/* =========================================================
   Onsetting, a FivePearls initiative
   Shared stylesheet for index.html, playbook.html
   ========================================================= */

:root {
  --navy: #0B1F3A;
  --navy-deep: #071629;
  --navy-line: #1E3558;
  --navy-border: #2A4268;
  --navy-soft: #DCE5F0;
  --gold: #C9A24B;
  --gold-light: #E8D3A0;
  --gold-dark: #8A6A22;
  --cream: #FBF5E6;
  --text: #0B1F3A;
  --text-2: #3C4E66;
  --muted: #5A6B82;
  --line: #DCE3EC;
  --input-line: #C9D2DE;
  --bg: #FFFFFF;
  --bg-alt: #F4F6F9;
  --on-navy: #C8D3E2;
  --on-navy-2: #A9B7CB;
  --disabled: #8A97A8;

  --font-display: 'Schibsted Grotesk', 'Helvetica Neue', Arial, sans-serif;
  --font-serif: 'Instrument Serif', Georgia, serif;
  --font-body: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;

  --container: 1240px;
  --gutter: 32px;
  --section-pad: 104px;
  --radius-sm: 12px;
  --radius: 20px;
  --radius-lg: 24px;
  --header-h: 84px;
}

/* ---------- Reset and base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--navy); }
a:hover { color: var(--gold-dark); }
button, input, select, textarea { font-family: inherit; font-size: inherit; }
button { cursor: pointer; }
h1, h2, h3, p, ol, ul, blockquote { margin: 0; }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, [tabindex]:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}
.sr-only {
  position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: 16px; top: -60px; z-index: 200;
  background: var(--gold); color: var(--navy); padding: 12px 18px; border-radius: 8px;
  font-weight: 600; text-decoration: none;
}
.skip-link:focus { top: 12px; }

.container { width: 100%; max-width: var(--container); margin: 0 auto; padding-left: var(--gutter); padding-right: var(--gutter); }
.section { padding-top: var(--section-pad); padding-bottom: var(--section-pad); }
.section--alt { background: var(--bg-alt); }
.section--navy { background: var(--navy); color: #FFFFFF; }
.stack { display: flex; flex-direction: column; }

/* ---------- Typography ---------- */
.display { font-family: var(--font-display); font-weight: 800; letter-spacing: -0.025em; }
.eyebrow { font-size: 13px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--gold-dark); font-weight: 500; }
.section--navy .eyebrow, .on-navy .eyebrow { color: var(--gold); }
.h1 {
  font-family: var(--font-display); font-weight: 800; letter-spacing: -0.035em;
  font-size: clamp(40px, 5.6vw, 68px); line-height: 1.0;
}
.h2 {
  font-family: var(--font-display); font-weight: 800; letter-spacing: -0.025em;
  font-size: clamp(32px, 4vw, 48px); line-height: 1.06;
}
.h3 { font-family: var(--font-display); font-weight: 800; letter-spacing: -0.025em; font-size: clamp(22px, 2.4vw, 30px); line-height: 1.15; }
.lead { font-size: clamp(17px, 1.6vw, 19px); line-height: 1.6; color: var(--text-2); }
.section--navy .lead, .on-navy .lead { color: var(--on-navy); }
.tagline { font-family: var(--font-serif); font-style: italic; font-weight: 400; color: var(--gold); font-size: clamp(32px, 3.8vw, 44px); line-height: 1.1; }
.small { font-size: 13px; color: var(--muted); line-height: 1.6; }
.section-head { display: flex; flex-direction: column; gap: 16px; max-width: 780px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 48px; padding: 14px 28px; border-radius: 999px;
  font-size: 16px; font-weight: 500; line-height: 1.2; text-decoration: none; text-align: center;
  border: 1.5px solid transparent; transition: background .15s ease, color .15s ease, border-color .15s ease, transform .15s ease;
}
.btn:active { transform: translateY(1px); }
.btn--gold { background: var(--gold); color: var(--navy); }
.btn--gold:hover { background: var(--gold-light); color: var(--navy); }
.btn--navy { background: var(--navy); color: #FFFFFF; }
.btn--navy:hover { background: #17345C; color: #FFFFFF; }
.btn--ghost-light { border-color: #5C7396; color: #FFFFFF; }
.btn--ghost-light:hover { border-color: var(--gold); color: var(--gold-light); }
.btn--outline { border-color: var(--navy); color: var(--navy); }
.btn--outline:hover { background: var(--navy); color: #FFFFFF; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 100; background: var(--navy); border-bottom: 1px solid var(--navy-line); }
.site-header__inner { display: flex; align-items: center; justify-content: space-between; gap: 18px; min-height: var(--header-h); }
.brand { display: flex; align-items: center; gap: 16px; text-decoration: none; flex: none; }
.brand__word { font-family: var(--font-display); font-size: 30px; font-weight: 800; color: #FFFFFF; letter-spacing: -0.04em; line-height: 1; }
.brand__rule { width: 1px; height: 28px; background: var(--gold); }
.brand__by { display: flex; flex-direction: column; gap: 3px; line-height: 1; }
.brand__by-small { font-size: 10px; letter-spacing: 0.24em; text-transform: uppercase; color: var(--on-navy-2); }
.brand__by-name { font-size: 13px; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--gold-light); }
.brand:hover .brand__word { color: #FFFFFF; }

.site-nav { display: flex; align-items: center; gap: 30px; font-size: 12px; font-weight: 500; letter-spacing: 0.16em; text-transform: uppercase; }
.site-nav a { color: #D9E1EC; text-decoration: none; padding: 12px 0; }
.site-nav a:hover, .site-nav a[aria-current="page"] { color: var(--gold-light); }
.site-nav a[aria-current="page"] { box-shadow: inset 0 -2px 0 var(--gold); }
.site-nav .nav-cta {
  border: 1px solid var(--gold); color: var(--gold-light); padding: 13px 22px; border-radius: 2px;
  min-height: 44px; display: inline-flex; align-items: center; box-shadow: none;
}
.site-nav .nav-cta:hover { background: var(--gold); color: var(--navy); }

.nav-toggle {
  display: none; width: 48px; height: 48px; border-radius: 8px; background: transparent;
  border: 1px solid var(--navy-border); color: #FFFFFF; align-items: center; justify-content: center; flex: none;
}
.nav-toggle svg { width: 22px; height: 22px; }
.nav-toggle .icon-close { display: none; }
.nav-open .nav-toggle .icon-open { display: none; }
.nav-open .nav-toggle .icon-close { display: block; }

/* ---------- Hero (home) ---------- */
.hero { background: var(--navy); color: #FFFFFF; }
.hero__inner { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 1fr); gap: 64px; align-items: center; padding-top: 88px; padding-bottom: 96px; }
.hero__copy { display: flex; flex-direction: column; gap: 28px; }
.pill {
  display: inline-flex; align-self: flex-start; align-items: center; gap: 10px;
  border: 1px solid var(--gold); color: var(--gold-light); padding: 8px 16px; border-radius: 999px;
  font-size: 13px; letter-spacing: 1.2px; text-transform: uppercase;
}
.hero .lead { color: var(--on-navy); max-width: 560px; }

/* ---------- Calculator (Onset Review) ---------- */
.calc {
  background: #FFFFFF; color: var(--navy); border-radius: var(--radius-lg); padding: 32px;
  display: flex; flex-direction: column; gap: 22px; box-shadow: 0 30px 80px rgba(3, 10, 24, 0.45);
  scroll-margin-top: calc(var(--header-h) + 16px);
}
.calc__head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; flex-wrap: wrap; }
.calc__title { font-family: var(--font-display); letter-spacing: -0.025em; font-weight: 800; font-size: 30px; line-height: 1.1; }
.calc__tag { font-size: 12px; letter-spacing: 1px; text-transform: uppercase; color: var(--muted); }
.field { display: flex; flex-direction: column; gap: 10px; border: 0; padding: 0; margin: 0; min-width: 0; }
.field__label { font-size: 14px; font-weight: 500; padding: 0; }
.seg { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; }
.opt {
  min-height: 44px; padding: 10px 8px; border-radius: var(--radius-sm); border: 1.5px solid var(--input-line);
  background: #FFFFFF; color: var(--navy); font-size: 14px; font-weight: 500; line-height: 1.25;
  transition: background .15s ease, border-color .15s ease, color .15s ease;
}
.opt:hover:not(:disabled) { border-color: var(--navy); }
.opt[aria-pressed="true"] { background: var(--navy); border-color: var(--navy); color: #FFFFFF; }
.opt--gold[aria-pressed="true"] { background: var(--cream); border-color: var(--gold); color: var(--navy); }
.opt:disabled { opacity: .45; cursor: not-allowed; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { border-radius: 999px; padding: 8px 16px; font-size: 14px; font-weight: 400; }
.money-input { display: flex; align-items: center; border: 1.5px solid var(--input-line); border-radius: var(--radius-sm); padding: 0 14px; background: #FFFFFF; }
.money-input:focus-within { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(201, 162, 75, .35); }
.money-input span { font-size: 22px; color: var(--muted); }
.money-input input {
  border: 0; outline: none; font-size: 24px; font-weight: 500; padding: 12px 8px; width: 100%; min-width: 0;
  color: var(--navy); font-variant-numeric: tabular-nums; background: transparent;
}
.stepper-row { display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.stepper { display: flex; align-items: center; gap: 10px; }
.stepper button {
  width: 44px; height: 44px; border-radius: 50%; border: 1.5px solid var(--input-line); background: #FFFFFF;
  font-size: 20px; color: var(--navy); line-height: 1; display: inline-flex; align-items: center; justify-content: center;
}
.stepper button:hover { border-color: var(--navy); }
.stepper output { min-width: 80px; text-align: center; font-size: 22px; font-weight: 500; font-variant-numeric: tabular-nums; }
.fund-list { display: flex; flex-direction: column; gap: 8px; }
.fund-opt {
  min-height: 48px; display: flex; justify-content: space-between; align-items: center; gap: 10px;
  padding: 12px 16px; border-radius: var(--radius-sm); border: 1.5px solid var(--input-line); background: #FFFFFF;
  color: var(--navy); text-align: left;
}
.fund-opt:hover { border-color: var(--gold); }
.fund-opt[aria-pressed="true"] { border-color: var(--gold); background: var(--cream); }
.fund-opt__name { font-size: 15px; font-weight: 500; }
.fund-opt__fig { font-size: 14px; color: var(--muted); white-space: nowrap; }
.harvest-box { display: flex; flex-direction: column; gap: 10px; background: var(--bg-alt); border-radius: var(--radius-sm); padding: 14px; }
.harvest-box[hidden] { display: none; }
.harvest-box .opt { border-radius: 10px; }
.harvest-box .opt--freq { font-size: 13px; }
.harvest-note { font-size: 13px; color: var(--text-2); }
.result { background: var(--navy); color: #FFFFFF; border-radius: 16px; padding: 24px; display: flex; flex-direction: column; gap: 8px; }
.result__lead { font-size: 14px; color: var(--on-navy); }
.result__figure {
  font-family: var(--font-display); letter-spacing: -0.025em; font-weight: 800; font-size: clamp(40px, 5vw, 54px);
  line-height: 1; color: var(--gold); font-variant-numeric: tabular-nums; overflow-wrap: anywhere;
}
.result__verdict { font-size: 15px; }
.calc__foot { font-size: 12px; line-height: 1.5; color: var(--muted); }

/* ---------- Cards and grids ---------- */
.grid-auto { display: grid; gap: 24px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); }
.grid-auto--sm { grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); gap: 20px; }
.card { border: 1px solid var(--line); border-radius: var(--radius); padding: 36px; display: flex; flex-direction: column; gap: 18px; background: #FFFFFF; }
.card--navy { background: var(--navy); color: #FFFFFF; border-color: var(--navy); }
.card__kicker { font-size: 13px; letter-spacing: 1.5px; text-transform: uppercase; color: var(--muted); }
.card--navy .card__kicker { color: var(--gold); }
.card p { font-size: 16px; color: var(--text-2); }
.card--navy p { color: var(--on-navy); }
.card .card__big { font-family: var(--font-display); letter-spacing: -0.025em; font-weight: 800; font-size: clamp(22px, 2.4vw, 28px); line-height: 1.2; color: var(--navy); }
.card--navy .card__big { color: #FFFFFF; }
.mini-card { background: #FFFFFF; border-radius: 16px; padding: 28px; display: flex; flex-direction: column; gap: 10px; }
.mini-card strong { font-size: 18px; font-weight: 500; }
.mini-card span { font-size: 15px; color: var(--text-2); line-height: 1.6; }
.line-card { border: 1px solid var(--navy-border); border-radius: 18px; padding: 28px; display: flex; flex-direction: column; gap: 10px; }
.line-card strong { font-size: 19px; font-weight: 500; color: #FFFFFF; }
.line-card span { font-size: 15px; color: var(--on-navy); line-height: 1.6; }

.steps { list-style: none; padding: 0; display: grid; gap: 32px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 240px), 1fr)); }
.steps li { display: flex; flex-direction: column; gap: 10px; border-top: 2px solid var(--gold); padding-top: 22px; }
.steps__num { font-family: var(--font-display); letter-spacing: -0.025em; font-weight: 800; font-size: 40px; line-height: 1.1; color: var(--gold); }
.steps__title { font-size: 20px; font-weight: 500; }
.steps__text { font-size: 16px; color: var(--text-2); }

.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 64px; align-items: start; }
.split--center { align-items: center; }

/* Funds */
.fund-card { border: 1px solid var(--line); border-radius: var(--radius); padding: 32px; display: flex; flex-direction: column; gap: 14px; }
.fund-card--navy { background: var(--navy); color: #FFFFFF; border-color: var(--navy); }
.badge { align-self: flex-start; font-size: 12px; letter-spacing: 1px; text-transform: uppercase; padding: 6px 12px; border-radius: 999px; background: #EEF2F7; color: var(--navy); }
.badge--mid { background: var(--navy-soft); }
.badge--gold { background: var(--gold); }
.fund-card__name { font-family: var(--font-display); letter-spacing: -0.025em; font-size: 30px; font-weight: 800; line-height: 1.1; }
.fund-card__rate { font-family: var(--font-display); letter-spacing: -0.025em; font-weight: 800; font-size: clamp(42px, 4.4vw, 56px); color: var(--gold-dark); line-height: 1; }
.fund-card--navy .fund-card__rate { color: var(--gold); }
.fund-card p { font-size: 15px; color: var(--text-2); }
.fund-card--navy p { color: var(--on-navy); }
.fund-card a { font-size: 15px; font-weight: 500; }

.table-card { border: 1px solid var(--line); border-radius: var(--radius); padding: 36px; display: flex; flex-direction: column; gap: 20px; }
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.rate-table { width: 100%; min-width: 560px; border-collapse: collapse; color: var(--navy); }
.rate-table th, .rate-table td { text-align: left; padding: 18px 20px; }
.rate-table thead th { padding-top: 12px; padding-bottom: 12px; font-size: 13px; letter-spacing: 1px; text-transform: uppercase; color: var(--muted); font-weight: 500; }
.rate-table thead th.is-new { color: var(--gold-dark); background: var(--cream); }
.rate-table tbody th { border-top: 1px solid var(--line); font-size: 17px; font-weight: 600; }
.rate-table tbody td { border-top: 1px solid var(--line); font-family: var(--font-display); font-weight: 800; font-size: 26px; letter-spacing: -0.02em; }
.rate-table td.is-new { background: var(--cream); }
.rate-table td.is-high { color: var(--gold-dark); }
.rate-table td.is-na { color: var(--disabled); font-family: var(--font-body); font-weight: 500; font-size: 16px; letter-spacing: 0; }
.new-tag { display: inline-block; margin-left: 6px; background: var(--gold); color: var(--navy); padding: 2px 8px; border-radius: 999px; font-size: 11px; letter-spacing: .5px; }

/* Signup */
.signup { text-align: center; align-items: center; gap: 22px; max-width: 900px; margin: 0 auto; }

/* ---------- GHL form embed slots ---------- */
.form-embed { width: 100%; }
.form-embed iframe { width: 100% !important; min-height: 420px; border: 0; display: block; }
.form-embed--compact iframe { min-height: 160px; }
.form-embed__placeholder {
  border: 2px dashed var(--input-line); border-radius: var(--radius); padding: 32px 24px; text-align: center;
  color: var(--muted); font-size: 15px; background: rgba(255,255,255,.6);
}
.form-embed__placeholder strong { display: block; color: var(--navy); font-size: 17px; margin-bottom: 6px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: var(--on-navy-2); }
.site-footer__inner { padding-top: 56px; padding-bottom: 56px; display: flex; flex-direction: column; gap: 24px; font-size: 13px; line-height: 1.7; }
.site-footer__top { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px 32px; align-items: baseline; }
.site-footer__brand { font-family: var(--font-display); letter-spacing: -0.025em; font-weight: 800; font-size: 28px; color: #FFFFFF; }
.site-footer__brand em { color: var(--gold); font-family: var(--font-serif); font-weight: 400; letter-spacing: 0; }
.site-footer__links { display: flex; flex-wrap: wrap; gap: 8px 24px; list-style: none; padding: 0; font-size: 14px; }
.site-footer a { color: #D9E1EC; }
.site-footer a:hover { color: var(--gold-light); }
.site-footer__contact { display: flex; flex-wrap: wrap; gap: 6px 24px; }

/* ---------- Page hero (Partners / Playbook) ---------- */
.page-hero { background: var(--navy); color: #FFFFFF; position: relative; overflow: hidden; }
.page-hero__inner { position: relative; padding-top: 88px; padding-bottom: 96px; display: flex; flex-direction: column; gap: 24px; }
.page-hero .h1 { font-size: clamp(42px, 6.4vw, 88px); line-height: 0.98; max-width: 14ch; }
.page-hero .lead { color: var(--on-navy); max-width: 56ch; }
.page-hero__rings { position: absolute; right: -140px; top: -100px; width: 620px; height: 620px; opacity: .16; pointer-events: none; }
.stat-row { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 24px; }
.stat { border: 1px solid var(--navy-border); border-radius: 18px; padding: 18px 24px; min-width: 160px; }
.stat__num { font-family: var(--font-display); font-size: 44px; font-weight: 800; line-height: 1; color: var(--gold); }
.stat__label { margin-top: 6px; font-size: 15px; color: var(--on-navy); }

/* ---------- Partners: role picker ---------- */

.offer-grid { display: grid; gap: 48px 56px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); }
.offer { border-top: 2px solid var(--gold); padding-top: 22px; }
.offer h3 { font-size: 21px; font-weight: 600; color: #FFFFFF; }
.offer p { margin-top: 12px; font-size: 16px; color: var(--on-navy); }

/* Sample report */
.report-wrap { display: flex; justify-content: center; }
.report {
  width: 100%; max-width: 460px; aspect-ratio: 210 / 297; background: #FFFFFF; border: 1px solid var(--line);
  border-radius: 10px; box-shadow: 16px 16px 0 var(--gold), 0 24px 60px rgba(11,31,58,.12); padding: 32px;
  display: flex; flex-direction: column; gap: 18px; color: var(--navy);
}
.report__top { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.report__logo { border: 1.5px dashed #8A9BA2; border-radius: 8px; padding: 10px 14px; font-size: 12px; font-weight: 600; color: var(--muted); }
.report__partner { font-size: 11px; color: var(--muted); text-align: right; line-height: 1.4; }
.report__partner strong { color: var(--navy); font-size: 13px; }
.report__title { border-top: 3px solid var(--navy); padding-top: 14px; }
.report__title div:first-child { font-family: var(--font-display); font-size: 22px; font-weight: 800; }
.report__title div:last-child { font-size: 12px; color: var(--muted); margin-top: 4px; }
.report__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px 16px; font-size: 12px; }
.report__grid span:nth-child(odd) { color: var(--muted); }
.report__grid span:nth-child(even) { font-weight: 600; }
.report__result { background: var(--bg-alt); border-radius: 10px; padding: 16px; }
.report__result .k { font-size: 12px; color: var(--muted); }
.report__result .v { font-family: var(--font-display); font-size: 34px; font-weight: 800; line-height: 1.1; }
.report__result .v small { font-size: 14px; font-weight: 600; }
.report__result .t { font-size: 12px; font-weight: 600; }
.report__bars { display: flex; gap: 14px; align-items: flex-end; height: 90px; }
.report__bars > div { flex: 1; display: flex; gap: 4px; align-items: flex-end; height: 100%; justify-content: center; }
.report__bars i { display: block; width: 30%; background: #9AABB2; }
.report__bars i.g { background: var(--gold); }
.report__fine { margin-top: auto; font-size: 9.5px; line-height: 1.45; color: var(--muted); }
.check-list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 12px; font-size: 17px; font-weight: 500; margin-top: 28px; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; }
.check-list li::before { content: ""; flex: none; width: 8px; height: 8px; margin-top: 10px; border-radius: 50%; background: var(--gold); }

.placeholder-text { background: var(--cream); color: var(--gold-dark); padding: 0 4px; border-radius: 4px; font-weight: 600; }
.on-navy .placeholder-text, .section--navy .placeholder-text { background: rgba(201,162,75,.18); color: var(--gold-light); }

/* ---------- Playbook ---------- */
.shell { display: grid; grid-template-columns: 260px minmax(0, 1fr); gap: 0; }
.chapters { padding: 56px 0 56px var(--gutter); }
.chapters nav { position: sticky; top: calc(var(--header-h) + 24px); }
.chapters__title { font-size: 13px; font-weight: 600; color: var(--muted); margin-bottom: 14px; letter-spacing: 1px; text-transform: uppercase; }
.chapters ol { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 4px; }
.chapters a { display: flex; gap: 12px; padding: 10px 12px; border-radius: 10px; text-decoration: none; font-size: 15px; font-weight: 500; color: var(--navy); }
.chapters a span { color: var(--gold-dark); font-weight: 700; font-family: var(--font-display); }
.chapters a:hover { background: #FFFFFF; }
.chapters a.is-active { background: var(--navy); color: #FFFFFF; }
.chapters a.is-active span { color: var(--gold); }
.chapter-bar { display: none; }
.playbook-main { padding: 56px var(--gutter) 96px; min-width: 0; }
.chapter { padding-bottom: 88px; scroll-margin-top: calc(var(--header-h) + 24px); }
.chapter:last-child { padding-bottom: 0; }
.chapter__num { font-size: 14px; font-weight: 700; color: var(--gold-dark); letter-spacing: .5px; }
.chapter h2 { margin-top: 10px; }
.chapter > p.lead { margin-top: 20px; max-width: 62ch; }
.body-playbook { background: var(--bg-alt); }

.formula {
  margin-top: 36px; background: #FFFFFF; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px;
  display: flex; flex-wrap: wrap; align-items: center; gap: 12px; font-family: var(--font-display); font-weight: 700;
  font-size: clamp(16px, 1.8vw, 22px);
}
.formula span { border: 1.5px solid var(--navy); padding: 10px 16px; border-radius: 14px; }
.formula span.f-dark { background: var(--navy); color: #FFFFFF; }
.formula span.f-gold { background: var(--gold); border-color: var(--gold); }
.formula b { font-weight: 700; }

.scen { margin-top: 32px; background: #FFFFFF; border: 1px solid var(--line); border-radius: 28px; padding: 28px; }
.tabs { display: flex; flex-wrap: wrap; gap: 8px; }
.tab { min-height: 44px; padding: 0 16px; border-radius: 999px; border: 1.5px solid var(--input-line); background: #FFFFFF; color: var(--navy); font-size: 15px; font-weight: 500; }
.tab:hover { border-color: var(--navy); }
.tab[aria-selected="true"], .tab[aria-pressed="true"] { background: var(--navy); border-color: var(--navy); color: #FFFFFF; }
.scen__body { margin-top: 28px; display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); gap: 32px; align-items: stretch; }
.scen__result { background: var(--navy); color: #FFFFFF; border-radius: 22px; padding: 28px; display: flex; flex-direction: column; justify-content: space-between; gap: 24px; }
.scen__result .k { font-size: 15px; font-weight: 500; color: var(--on-navy); }
.scen__result .v { font-family: var(--font-display); font-size: clamp(36px, 5.2vw, 76px); line-height: 1; font-weight: 800; letter-spacing: -0.03em; color: var(--gold); font-variant-numeric: tabular-nums; white-space: nowrap; }
.scen__result .t { font-size: 16px; color: var(--on-navy); }
.kv { display: flex; justify-content: space-between; gap: 16px; padding: 14px 0; border-bottom: 1px solid var(--line); }
.kv span:first-child { color: var(--text-2); }
.kv span:last-child { font-weight: 600; text-align: right; }
.scen__amount { padding-top: 16px; }
.scen__amount .k { font-size: 14px; font-weight: 500; color: var(--text-2); }
.scen__amount .chips { margin-top: 8px; }
.scen__note { margin-top: 22px; font-size: 14px; color: var(--text-2); }

.ladder { margin-top: 36px; display: flex; flex-wrap: wrap; gap: 14px; align-items: flex-end; }
.rung { flex: 1 1 240px; background: #FFFFFF; border: 1px solid var(--line); border-radius: 22px; padding: 24px; display: flex; flex-direction: column; justify-content: space-between; gap: 24px; }
.rung:nth-child(1) { min-height: 260px; }
.rung:nth-child(2) { min-height: 330px; background: var(--navy-soft); border-color: var(--navy-soft); }
.rung:nth-child(3) { min-height: 400px; background: var(--navy); color: #FFFFFF; border-color: var(--navy); }
.rung h3 { font-family: var(--font-display); font-size: 22px; font-weight: 800; }
.rung p { margin-top: 8px; font-size: 15px; color: var(--text-2); }
.rung:nth-child(3) p, .rung:nth-child(3) .rung__sub { color: var(--on-navy); }
.rung__rate { font-family: var(--font-display); font-size: 44px; font-weight: 800; line-height: 1.05; }
.rung:nth-child(3) .rung__rate { color: var(--gold); }
.rung__sub { font-size: 14px; color: var(--text-2); }

.risk-grid, .q-grid, .when-grid, .guard-grid { margin-top: 18px; display: grid; gap: 12px; grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr)); }
.risk { background: #FFFFFF; border-left: 6px solid var(--gold); border-radius: 14px; padding: 18px; }
.risk strong { font-size: 17px; }
.risk p { margin-top: 6px; font-size: 14.5px; line-height: 1.5; color: var(--text-2); }
.q { background: #FFFFFF; border: 1px solid var(--line); border-radius: 20px; padding: 22px; }
.q__num { font-family: var(--font-display); font-size: 32px; font-weight: 800; }
.q strong { display: block; margin-top: 6px; }
.q p { margin-top: 6px; font-size: 14.5px; line-height: 1.5; color: var(--text-2); }
.callout { margin-top: 20px; background: var(--cream); border: 1.5px solid var(--gold); border-radius: 20px; padding: 22px 24px; display: flex; gap: 16px; align-items: flex-start; }
.callout svg { flex: none; width: 28px; height: 28px; }
.callout strong { font-size: 18px; }
.callout p { margin-top: 6px; font-size: 15.5px; line-height: 1.55; }
.checklist { margin-top: 20px; background: #FFFFFF; border: 1px solid var(--line); border-radius: 20px; padding: 24px; }
.checklist__head { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; }
.checklist__head h3 { font-size: 20px; font-family: var(--font-display); font-weight: 800; }
.progress { font-size: 14px; font-weight: 600; padding: 6px 12px; border-radius: 999px; background: #E6ECF3; color: var(--navy); }
.progress.is-done { background: var(--gold); }
.checks { margin-top: 14px; display: flex; flex-direction: column; gap: 8px; }
.check {
  text-align: left; display: flex; gap: 14px; align-items: center; min-height: 52px; padding: 10px 14px; border-radius: 14px;
  border: 1.5px solid var(--input-line); background: #FFFFFF; color: var(--navy); font-size: 15.5px; font-weight: 500;
}
.check:hover { border-color: var(--navy); }
.check__box { flex: none; width: 26px; height: 26px; border-radius: 8px; border: 2px solid var(--navy); background: #FFFFFF; display: flex; align-items: center; justify-content: center; }
.check__box svg { width: 14px; height: 14px; opacity: 0; }
.check[aria-checked="true"] { border-color: var(--navy); background: var(--cream); }
.check[aria-checked="true"] .check__box { background: var(--gold); }
.check[aria-checked="true"] .check__box svg { opacity: 1; }
.when { background: var(--navy); color: #FFFFFF; border-radius: 18px; padding: 20px; }
.when strong { color: var(--gold); }
.when p { margin-top: 6px; font-size: 15px; color: var(--on-navy); }
.talk { margin-top: 28px; display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr); gap: 20px; }
.talk h3 { font-family: var(--font-display); font-size: 20px; font-weight: 800; }
.quotes { margin-top: 12px; display: flex; flex-direction: column; gap: 10px; }
.quotes blockquote { background: #FFFFFF; border-radius: 16px; padding: 18px 20px; font-size: 17px; line-height: 1.45; font-weight: 500; }
.nevers { list-style: none; padding: 0; margin-top: 12px; display: flex; flex-direction: column; gap: 10px; }
.nevers li { display: flex; gap: 12px; align-items: flex-start; background: #FFFFFF; border: 1.5px dashed #9AA8BA; border-radius: 16px; padding: 16px; font-size: 15.5px; line-height: 1.45; }
.nevers svg { flex: none; width: 20px; height: 20px; margin-top: 1px; }
.numbered { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 12px; }
.numbered li { display: flex; gap: 14px; font-size: 16.5px; line-height: 1.5; }
.numbered li > span:first-child { flex: none; width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: var(--gold); display: flex; align-items: center; justify-content: center; font-weight: 700; }
.flow { margin-top: 36px; list-style: none; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; }
.flow li { padding-right: 20px; }
.flow__dot { display: flex; align-items: center; }
.flow__dot b { flex: none; width: 52px; height: 52px; border-radius: 50%; background: var(--gold); display: flex; align-items: center; justify-content: center; font-size: 20px; font-weight: 800; font-family: var(--font-display); }
.flow__dot i { flex: 1; height: 3px; background: var(--navy); margin-left: 10px; }
.flow li:last-child .flow__dot b { background: var(--navy); color: var(--gold); }
.flow h3 { margin-top: 16px; font-size: 20px; font-family: var(--font-display); font-weight: 800; }
.flow p { margin-top: 6px; font-size: 15px; color: var(--text-2); }
.guard { background: #FFFFFF; border-radius: 16px; padding: 20px; font-size: 16px; line-height: 1.5; }
.cta-band { margin-top: 48px; background: var(--navy); color: #FFFFFF; border-radius: 28px; padding: 36px; display: flex; flex-wrap: wrap; gap: 24px 32px; align-items: center; justify-content: space-between; }
.cta-band h3 { font-family: var(--font-display); font-size: clamp(26px, 3vw, 38px); font-weight: 800; letter-spacing: -0.02em; line-height: 1.1; }
.cta-band p { margin-top: 12px; color: var(--on-navy); }

/* =========================================================
   Responsive
   ========================================================= */

/* Large tablet / small laptop */
@media (max-width: 1100px) {
  :root { --section-pad: 88px; }
  .site-nav { gap: 22px; }
  .hero__inner { gap: 48px; }
}

/* Playbook content column is narrower while the sidebar shows */
@media (max-width: 1180px) {
  .scen__body { grid-template-columns: minmax(0, 1fr); }
  .ladder { align-items: stretch; }
  .rung:nth-child(n) { min-height: 0; }
}

/* Tablet: mobile menu, single-column hero */
@media (max-width: 960px) {
  :root { --header-h: 72px; --gutter: 28px; }
  .brand__word { font-size: 26px; }
  .nav-toggle { display: inline-flex; }
  .site-nav {
    position: fixed; top: var(--header-h); left: 0; right: 0; bottom: 0;
    background: var(--navy); flex-direction: column; align-items: stretch; gap: 0;
    padding: 12px var(--gutter) 32px; font-size: 14px; overflow-y: auto;
    border-top: 1px solid var(--navy-line);
    visibility: hidden; opacity: 0; transform: translateY(-8px);
    transition: opacity .2s ease, transform .2s ease, visibility 0s linear .2s;
  }
  .nav-open .site-nav { visibility: visible; opacity: 1; transform: none; transition: opacity .2s ease, transform .2s ease; }
  .site-nav a { padding: 18px 0; border-bottom: 1px solid var(--navy-line); }
  .site-nav a[aria-current="page"] { box-shadow: none; }
  .site-nav .nav-cta { margin-top: 24px; justify-content: center; border-radius: 999px; padding: 16px 22px; border-bottom: 1px solid var(--gold); }
  body.nav-open { overflow: hidden; }

  .hero__inner { grid-template-columns: minmax(0, 1fr); padding-top: 64px; padding-bottom: 72px; }
  .hero .lead { max-width: 640px; }
  .calc { max-width: 640px; width: 100%; }
  .split { grid-template-columns: minmax(0, 1fr); gap: 40px; }
  .roles { grid-template-columns: minmax(0, 1fr); gap: 32px; }
  .role-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .role-btn { font-size: 17px; }

  .shell { grid-template-columns: minmax(0, 1fr); }
  .chapters { display: none; }
  .chapter-bar {
    display: block; position: sticky; top: var(--header-h); z-index: 50; background: rgba(244, 246, 249, .96);
    backdrop-filter: blur(6px); border-bottom: 1px solid var(--line);
  }
  .chapter-bar ol { list-style: none; margin: 0; padding: 10px var(--gutter); display: flex; gap: 8px; overflow-x: auto; scrollbar-width: none; }
  .chapter-bar ol::-webkit-scrollbar { display: none; }
  .chapter-bar a { display: inline-flex; align-items: center; gap: 6px; white-space: nowrap; min-height: 40px; padding: 0 14px; border-radius: 999px; border: 1.5px solid var(--input-line); background: #FFFFFF; text-decoration: none; font-size: 14px; font-weight: 500; color: var(--navy); }
  .chapter-bar a span { color: var(--gold-dark); font-weight: 700; }
  .chapter-bar a.is-active { background: var(--navy); border-color: var(--navy); color: #FFFFFF; }
  .chapter-bar a.is-active span { color: var(--gold); }
  .chapter { scroll-margin-top: calc(var(--header-h) + 76px); }
  .playbook-main { padding-top: 40px; }
  .scen__body { grid-template-columns: minmax(0, 1fr); }
  .talk { grid-template-columns: minmax(0, 1fr); }
  .flow { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 32px; }
  .flow li:nth-child(2) .flow__dot i { display: none; }
  .ladder { align-items: stretch; }
  .rung:nth-child(n) { min-height: 0; }
}

/* Phones */
@media (max-width: 640px) {
  :root { --section-pad: 64px; --gutter: 18px; --header-h: 64px; }
  body { font-size: 15px; }
  .brand { gap: 10px; }
  .brand__word { font-size: 24px; }
  .brand__rule { height: 24px; }
  .brand__by-small { font-size: 8.5px; letter-spacing: .18em; }
  .brand__by-name { font-size: 11px; letter-spacing: .16em; }
  .hero__inner { padding-top: 44px; padding-bottom: 56px; gap: 40px; }
  .hero__copy { gap: 22px; }
  .pill { font-size: 11px; padding: 7px 12px; }
  .btn-row .btn { width: 100%; }
  .calc { padding: 22px 18px; gap: 20px; border-radius: 20px; }
  .calc__title { font-size: 25px; }
  .seg .opt { font-size: 13px; padding: 8px 4px; }
  .harvest-box .opt--freq { font-size: 12px; padding: 6px 2px; }
  .money-input input { font-size: 22px; }
  .result { padding: 20px; }
  .card, .table-card { padding: 26px 22px; }
  .fund-card { padding: 26px 22px; }
  .mini-card, .line-card { padding: 22px; }
  .rate-table th, .rate-table td { padding: 14px 14px; }
  .rate-table tbody td { font-size: 22px; }
  .role-list { grid-template-columns: minmax(0, 1fr); }
  .role-panel { padding: 26px 20px; }
  .role-panel__pitch { font-size: 16px; }
  .ticks li { font-size: 16px; }
  .report { padding: 22px; gap: 12px; box-shadow: 10px 10px 0 var(--gold); }
  .report__result .v { font-size: 26px; }
  .report__bars { height: 64px; }
  .apply__card { padding: 16px; }
  .page-hero__inner { padding-top: 56px; padding-bottom: 64px; }
  .page-hero__rings { display: none; }
  .stat-row { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; }
  .stat { min-width: 0; padding: 14px 12px; }
  .stat__num { font-size: 32px; }
  .stat__label { font-size: 13px; line-height: 1.35; }
  .playbook-main { padding-bottom: 64px; }
  .chapter { padding-bottom: 64px; }
  .formula { padding: 18px; gap: 8px; }
  .formula span { padding: 8px 12px; border-radius: 10px; }
  .scen { padding: 18px; border-radius: 22px; }
  .tab { font-size: 14px; padding: 0 12px; }
  .scen__result { padding: 22px; }
  .flow { grid-template-columns: minmax(0, 1fr); }
  .flow .flow__dot i { display: none; }
  .cta-band { padding: 26px 22px; }
  .cta-band .btn { width: 100%; }
  .callout { flex-direction: column; gap: 10px; }
  .site-footer__brand { font-size: 24px; }
}

@media (max-width: 370px) {
  .brand__rule, .brand__by { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}