/* Layout: a planner's desk — left-aligned editorial bands, big readable type for a 55+ reader, the Pivot Series bookshelf as the brand's signature */
:root{
  --ink:#13233a;      /* deep navy: headings, header, footer */
  --text:#1f2a37;     /* body copy */
  --muted:#4b5563;
  --page:#fbfaf7;     /* warm white ground */
  --band:#eef1f4;     /* cool alternate band */
  --sun:#d9652a;      /* sunset orange from the Worry-Free cover: primary actions */
  --sun-dark:#b9521d;
  --gold:#c39a33;     /* rules, eyebrows */
  --line:#d8dde3;
  --on-ink:#f4f1ea;
  --display:"Lora",Georgia,"Times New Roman",serif;
  --body:"Source Sans 3","Segoe UI",Helvetica,Arial,sans-serif;
  --fs:19px;
}
*{box-sizing:border-box}
html{font-size:var(--fs);scroll-behavior:smooth}
body{margin:0;background:var(--page);color:var(--text);font-family:var(--body);font-size:1rem;line-height:1.6}
a{color:var(--ink)}
img{max-width:100%;display:block}
.wrap{max-width:1180px;margin:0 auto;padding-inline:24px}
@media (max-width:600px){.wrap{padding-inline:16px}}
h1,h2,h3{font-family:var(--display);color:var(--ink);text-wrap:balance;margin:0}
h1{font-size:clamp(2.1rem,4.6vw,3.3rem);line-height:1.12;font-weight:700;letter-spacing:-.01em}
h2{font-size:clamp(1.65rem,3vw,2.3rem);line-height:1.2;font-weight:600}
h3{font-size:1.25rem;line-height:1.3;font-weight:600}
p{margin:0}
.eyebrow{font-family:var(--body);font-weight:700;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.lead{font-size:1.2rem;color:var(--muted);max-width:36em}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;font-family:var(--body);font-weight:700;font-size:1.05rem;
  padding:.85em 1.5em;border-radius:6px;text-decoration:none;border:2px solid transparent;min-height:56px;cursor:pointer;transition:background .15s,color .15s}
.btn-primary{background:var(--sun);color:#fff}
.btn-primary:hover{background:var(--sun-dark)}
.btn-ghost{border-color:var(--ink);color:var(--ink);background:transparent}
.btn-ghost:hover{background:var(--ink);color:var(--on-ink)}
a:focus-visible,.btn:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--gold);outline-offset:3px}

/* utility bar + header */
.util{background:var(--ink);color:var(--on-ink);font-size:.85rem}
.util .wrap{display:flex;flex-wrap:wrap;gap:8px 20px;align-items:center;justify-content:space-between;padding-block:8px}
.util a{color:var(--on-ink)}
.sizer{display:flex;align-items:center;gap:6px}
.sizer button{font-family:var(--body);background:transparent;color:var(--on-ink);border:1px solid rgba(244,241,234,.45);border-radius:4px;min-width:40px;min-height:34px;cursor:pointer;font-weight:700}
.sizer button[aria-pressed="true"]{background:var(--on-ink);color:var(--ink)}
header.site{background:var(--page);border-bottom:1px solid var(--line);position:sticky;top:env(safe-area-inset-top,0px);z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:14px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand svg{flex:none}
.brand b{font-family:var(--display);font-size:1.3rem;line-height:1.1;display:block}
.brand small{display:block;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}
nav.main{display:flex;gap:4px 18px;flex-wrap:wrap;align-items:center;justify-content:flex-end;flex:1}
nav.main a{text-decoration:none;font-weight:600;font-size:.95rem;color:var(--ink);padding:6px 0;border-bottom:2px solid transparent}
nav.main a:hover{border-bottom-color:var(--gold)}
.menu-btn{display:none}
@media (max-width:980px){
  nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:var(--page);border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;padding:12px 24px 20px}
  nav.main.open{display:flex}
  .menu-btn{display:inline-flex;font-family:var(--body);font-weight:700;font-size:1rem;background:transparent;border:2px solid var(--ink);color:var(--ink);border-radius:6px;min-height:48px;padding:0 16px;cursor:pointer}
  header.site .cta{display:none}
  nav.main{flex:none}
}

/* hero */
.hero{padding-block:64px 56px;background:linear-gradient(180deg,var(--page) 0%,var(--page) 60%,var(--band) 100%)}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero-copy{display:flex;flex-direction:column;gap:22px;min-width:0}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;margin-top:6px}
.tags{display:flex;flex-wrap:wrap;gap:8px 18px;color:var(--ink);font-weight:600;font-size:.95rem}
.tags span{display:flex;align-items:center;gap:8px}
.tags span::before{content:"";width:8px;height:8px;background:var(--gold);transform:rotate(45deg)}
.hero-art{position:relative;display:flex;justify-content:center;min-width:0}
.hero-art img{width:min(330px,80%);filter:drop-shadow(0 30px 30px rgba(19,35,58,.25))}
.hero-art .badge{position:absolute;left:0;bottom:8%;background:var(--ink);color:var(--on-ink);padding:12px 16px;border-radius:6px;font-size:.9rem;max-width:220px;line-height:1.35;box-shadow:0 10px 24px rgba(19,35,58,.25)}
.hero-art .badge b{display:block;color:#f2c56b;font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:2px}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr}.hero-art{order:-1}.hero-art img{width:min(240px,62%)}.hero-art .badge{position:static;margin-top:-30px;max-width:none}.hero-art{flex-direction:column;align-items:center}}

section{padding-block:76px}
.band{background:var(--band)}
.sec-head{display:flex;flex-direction:column;gap:12px;margin-bottom:36px;max-width:46em}

/* risks table */
.risks{border-top:2px solid var(--ink)}
.risk{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.6fr);gap:12px 40px;padding-block:20px;border-bottom:1px solid var(--line)}
.risk h3{display:flex;align-items:baseline;gap:12px}
.risk h3 small{font-family:var(--body);font-size:.75rem;font-weight:700;letter-spacing:.12em;color:var(--sun);text-transform:uppercase;white-space:nowrap}
.risk p{color:var(--text)}
.risk h3{flex-direction:column-reverse;align-items:flex-start;gap:4px}
.buckets{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.bucket{background:#fff;border:1px solid var(--line);border-radius:10px;padding:24px;display:flex;flex-direction:column;gap:12px;border-top:6px solid var(--gold)}
.bucket.b1{border-top-color:#4c9a5b}.bucket.b2{border-top-color:var(--gold)}.bucket.b3{border-top-color:var(--sun)}
.bk-top{display:flex;gap:14px;align-items:center}
.bk-num{flex:none;width:52px;height:52px;border-radius:50%;background:var(--ink);color:#fff;font-family:var(--display);font-weight:700;font-size:1.5rem;display:flex;align-items:center;justify-content:center}
.bk-yrs{font-size:.9rem;color:var(--muted);font-weight:600}
.tax-sec{margin-top:48px;padding-top:36px;border-top:1px solid var(--line)}
.tax-sec .sec-head{margin-bottom:24px}
.tax-h{font-size:clamp(1.4rem,2.4vw,1.9rem);color:var(--ink)}
.tax-sec .sec-head p{font-size:1.08rem;max-width:46em}
.tax-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.tax-card{background:var(--band);border-radius:10px;padding:24px;display:flex;flex-direction:column;gap:10px;border-left:6px solid var(--gold)}
.tax-card.tc1{border-left-color:#8a96a8}.tax-card.tc2{border-left-color:var(--gold)}.tax-card.tc3{border-left-color:#4c9a5b}
.tax-card h4{font-family:var(--display);font-size:1.4rem;color:var(--ink);margin:0}
.tax-tag{font-weight:700;color:var(--muted);margin:0}
@media (max-width:860px){.tax-grid{grid-template-columns:1fr}}
.tax-buckets{margin-top:24px;display:flex;flex-wrap:wrap;gap:10px 24px;align-items:center;font-size:.98rem;padding:16px 20px;background:var(--band);border-radius:8px}
.tax-buckets em{font-style:normal;font-weight:700;color:var(--ink)}
@media (max-width:860px){.buckets{grid-template-columns:1fr}}

.risk p a{font-weight:600}
@media (max-width:760px){.risk{grid-template-columns:1fr}}

/* services */
.services{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2px;background:var(--line);border:1px solid var(--line)}
.svc{background:var(--page);padding:30px 30px 28px;display:flex;flex-direction:column;gap:12px}
.svc .kicker{font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.svc ul{margin:0;padding-left:1.1em;color:var(--text)}
.svc ul li{margin-bottom:4px}
.svc-wide{grid-column:1/-1;background:#fdf6ee}
.svc .more{margin-top:auto;font-weight:700;color:var(--sun-dark);text-decoration:none}
.svc .more:hover{text-decoration:underline}
@media (max-width:760px){.services{grid-template-columns:1fr}}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:36px;counter-reset:s}
.step{display:flex;flex-direction:column;gap:10px;border-top:3px solid var(--gold);padding-top:18px}
.step .n{font-family:var(--display);font-size:2.4rem;line-height:1;color:var(--sun);font-weight:700}
@media (max-width:860px){.steps{grid-template-columns:1fr;gap:24px}}

/* bookshelf */
.set-card{margin-top:44px;background:#fff;color:var(--text);border-radius:12px;padding:32px;display:grid;grid-template-columns:minmax(0,1.45fr) minmax(0,1fr);gap:32px;align-items:center;box-shadow:0 16px 40px rgba(0,0,0,.25)}
.set-card img{width:100%;height:auto;display:block}
.set-video video{width:100%;aspect-ratio:16/9;display:block;border-radius:8px;background:#000;box-shadow:0 10px 26px rgba(0,0,0,.18)}
.set-share{display:inline-block;margin-top:10px;font-weight:600;font-size:.95rem;color:var(--ink)}
.set-card h3{font-size:clamp(1.5rem,2.4vw,2rem);color:var(--ink)!important;margin:6px 0 12px}
.set-card p{color:var(--text);font-size:1.05rem}
.set-card .hero-ctas{margin-top:18px}
.shelf-sec .set-card .btn-ghost{border-color:var(--ink);color:var(--ink)}
.shelf-sec .set-card .btn-ghost:hover{background:var(--ink);color:#fff}
@media (max-width:980px){.set-card{grid-template-columns:1fr;padding:22px}}

.shelf-sec{background:var(--ink);color:var(--on-ink)}
.shelf-sec h2,.shelf-sec h3{color:#fff}
.shelf-sec .lead{color:#c9d2de}
.shelf{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:22px;align-items:end;padding-bottom:18px;border-bottom:10px solid #2a3a54;box-shadow:0 14px 0 -6px #0b1626}
.book{display:flex;flex-direction:column;gap:10px;text-decoration:none;color:inherit}
.book img{width:100%;transition:transform .2s;filter:drop-shadow(0 14px 14px rgba(0,0,0,.35))}
.book:hover img{transform:translateY(-6px)}
.book-info{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:22px;margin-top:22px}
.book-info div{display:flex;flex-direction:column;gap:6px;font-size:.9rem;color:#c9d2de;min-width:0}
.book-info b{font-family:var(--display);font-size:1.02rem;color:#fff;font-weight:600;line-height:1.25}
.book-info em{color:#f2c56b;font-style:normal;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700}
.shelf-ctas{display:flex;flex-wrap:wrap;gap:14px;margin-top:36px}
.shelf-sec .btn-ghost{border-color:var(--on-ink);color:var(--on-ink)}
.shelf-sec .btn-ghost:hover{background:var(--on-ink);color:var(--ink)}
@media (max-width:980px){.shelf,.book-info{grid-template-columns:repeat(3,minmax(0,1fr))}.book-info{display:none}.book::after{content:attr(data-t);font-family:var(--display);color:#fff;font-size:.95rem;line-height:1.25}}

/* cases + about */
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:start}
@media (max-width:860px){.split{grid-template-columns:1fr;gap:36px}}
.quote{font-family:var(--display);font-style:italic;font-size:1.35rem;line-height:1.45;color:var(--ink);border-left:4px solid var(--gold);padding-left:22px}
.quote cite{display:block;margin-top:10px;font-family:var(--body);font-style:normal;font-size:.9rem;color:var(--muted)}
.about{display:grid;grid-template-columns:200px minmax(0,1fr);gap:32px;align-items:start}
.about img{width:200px;border-radius:6px;border:4px solid #fff;box-shadow:0 8px 24px rgba(19,35,58,.18)}
.about-copy{display:flex;flex-direction:column;gap:14px}
.carriers{font-size:.92rem;color:var(--muted)}
@media (max-width:640px){.about{grid-template-columns:1fr}.about img{width:160px}}
.case-list{list-style:none;margin:0;padding:0;border-top:2px solid var(--ink)}
.case-list li{border-bottom:1px solid var(--line)}
.case-list a{display:flex;justify-content:space-between;gap:16px;padding:14px 0;text-decoration:none;font-weight:600}
.case-list a span{color:var(--muted);font-weight:400}
.case-list a:hover{color:var(--sun-dark)}

/* contact */
.contact{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:56px}
@media (max-width:860px){.contact{grid-template-columns:1fr}}
.contact-info{display:flex;flex-direction:column;gap:18px}
.contact-info .row{display:flex;flex-direction:column;gap:2px}
.contact-info .row b{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.contact-info .row span{font-size:1.15rem;color:var(--ink);font-weight:600;word-break:break-word}
.copy{font-family:var(--body);font-size:.85rem;font-weight:700;background:transparent;border:1px solid var(--line);border-radius:4px;padding:4px 10px;cursor:pointer;color:var(--ink);margin-top:4px;align-self:flex-start;min-height:34px}
form{background:#fff;border:1px solid var(--line);border-radius:8px;padding:28px;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:18px;min-width:0}
form .full{grid-column:1/-1}
label{display:flex;flex-direction:column;gap:6px;font-weight:600;color:var(--ink);font-size:.95rem}
input,select,textarea{width:100%;min-width:0;font:inherit;font-size:1rem;padding:12px 14px;border:1.5px solid #b8c0ca;border-radius:6px;background:#fff;color:var(--text);min-height:52px}
textarea{min-height:120px;resize:vertical}
.form-note{font-size:.85rem;color:var(--muted)}
.req{color:var(--sun-dark);font-weight:700}
input,select,textarea{scroll-margin-top:130px}
.req-note{margin-top:-6px}
.slot{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px 20px;background:var(--band);border:1.5px solid var(--ink);border-radius:8px;padding:18px 20px}
.slot-text{display:flex;flex-direction:column;gap:4px;flex:1 1 260px;min-width:0}
.slot-text b{font-family:var(--display);font-size:1.15rem;color:var(--ink)}
.slot-text span{font-size:.95rem;color:var(--text)}
.btn-ink{background:var(--ink);color:var(--on-ink)}
.btn-ink:hover{background:#0d1a2c}
.hint{font-weight:400;font-size:.82rem;color:var(--muted);line-height:1.4}
.hint-inline{font-weight:400;color:var(--muted);font-size:.9rem}
.err{font-weight:600;font-size:.85rem;color:#a12a1a}
input[aria-invalid="true"]{border-color:#a12a1a;background:#fff7f6}
fieldset.topics{border:1.5px solid #b8c0ca;border-radius:6px;padding:14px 16px 16px;margin:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px 18px;min-width:0}
fieldset.topics legend{font-weight:600;color:var(--ink);font-size:.95rem;padding:0 6px}
label.chk{flex-direction:row;align-items:center;gap:12px;font-weight:400;color:var(--text);font-size:1rem;cursor:pointer;min-height:44px;padding:4px 10px;border-radius:6px;border:1px solid var(--line);background:var(--page)}
label.chk input{width:24px;height:24px;min-height:0;flex:none;margin:0;accent-color:var(--sun)}
label.chk:has(input:checked){border-color:var(--sun);background:#fdf1ea}
@media (max-width:560px){fieldset.topics{grid-template-columns:1fr}}
.sent{grid-column:1/-1;background:#eaf3ea;border:1px solid #9cc49c;color:#1e4620;padding:12px 14px;border-radius:6px}
@media (max-width:560px){form{grid-template-columns:1fr;padding:20px}}

footer.site{background:#0d1a2c;color:#c9d2de;font-size:.9rem;padding-block:52px 40px}
footer.site .cols{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:36px;margin-bottom:36px}
footer.site h4{font-family:var(--body);color:#fff;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;margin:0 0 12px}
footer.site a{color:#e6ebf1;text-decoration:none}
footer.site a:hover{text-decoration:underline}
footer.site ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.disclose{border-top:1px solid #24364f;padding-top:24px;font-size:.82rem;line-height:1.6;color:#9fadbf;display:flex;flex-direction:column;gap:10px}
@media (max-width:760px){footer.site .cols{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.book img,.btn{transition:none}}

/* ---------- inner pages ---------- */
.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:50}
.skip:focus{left:12px;top:12px}
nav.main a[aria-current="page"]{border-bottom-color:var(--sun)}
nav.main .nav-cta{display:inline}

.page-hero{background:var(--band);border-bottom:1px solid var(--line);padding-block:44px 52px}
.page-hero .wrap{display:flex;flex-direction:column;gap:16px}
.page-hero h1{max-width:20em}
.page-hero .lead{max-width:40em}
.crumbs{font-size:.88rem;color:var(--muted);display:flex;flex-wrap:wrap;gap:6px;margin-bottom:6px}
.crumbs a{color:var(--muted)}
section.slim{padding-block:36px}
.prose{display:flex;flex-direction:column;gap:14px;max-width:44em;min-width:0}
.prose h2{margin-top:10px}
.prose h3{margin-top:6px}
.panel{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:8px;padding:28px;display:flex;flex-direction:column;gap:14px;min-width:0}
.panel.ink{background:var(--ink);border-color:var(--ink);border-top-color:var(--gold);color:var(--on-ink)}
.panel.ink h3{color:#fff}
.panel.ink a{color:#f2c56b}
.checks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.checks li{position:relative;padding-left:30px}
.checks li::before{content:"";position:absolute;left:4px;top:.5em;width:10px;height:10px;background:var(--gold);transform:rotate(45deg)}
.numbered{margin:0;padding-left:1.4em;display:flex;flex-direction:column;gap:10px}
.numbered li::marker{color:var(--sun);font-weight:700;font-family:var(--display)}
.qlist{margin:0;padding-left:1.4em;display:flex;flex-direction:column;gap:12px;font-family:var(--display);font-size:1.2rem;color:var(--ink);max-width:40em}
.qlist li::marker{color:var(--sun);font-weight:700}
.tiles3,.grid3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.tile{background:#fff;border:1px solid var(--line);border-radius:8px;padding:24px;display:flex;flex-direction:column;gap:8px;min-width:0}
.band .tile{background:var(--page)}
.tile .big{font-family:var(--display);font-size:2.2rem;line-height:1;color:var(--sun);font-weight:700}
@media (max-width:860px){.tiles3,.grid3{grid-template-columns:1fr}}
.topics4{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:36px 56px}
.topics4>div{display:flex;flex-direction:column;gap:8px;border-top:3px solid var(--gold);padding-top:16px}
@media (max-width:760px){.topics4{grid-template-columns:1fr}}
.pointer{margin-top:28px;background:#fdf1ea;border-top:2px solid var(--gold);border-bottom:2px solid var(--gold);padding:18px 22px;display:flex;flex-direction:column;gap:6px}
.pointer b{font-size:.8rem;letter-spacing:.14em;color:var(--sun-dark)}
.fine{font-size:.85rem;color:var(--muted);line-height:1.55}
.panel.ink .fine{color:#c9d2de}
.book-aside{display:grid;grid-template-columns:150px minmax(0,1fr);gap:24px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:8px;padding:24px}
.book-aside img{width:150px;filter:drop-shadow(0 10px 12px rgba(19,35,58,.25))}
.book-aside div{display:flex;flex-direction:column;gap:6px}
.book-aside b{font-family:var(--display);font-size:1.25rem;color:var(--ink)}
.book-aside a{font-weight:700;color:var(--sun-dark);text-decoration:none}
@media (max-width:480px){.book-aside{grid-template-columns:1fr}.book-aside img{width:120px}}
.cta-band{background:var(--ink);color:var(--on-ink);padding-block:56px}
.cta-band .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px 40px}
.cta-band .wrap>div:first-child{flex:1 1 420px;display:flex;flex-direction:column;gap:10px;min-width:0}
.cta-band h2{color:#fff}
.cta-band p{color:#c9d2de;max-width:38em}
.cta-actions{display:flex;flex-wrap:wrap;gap:14px}
.btn-ghost-light{border-color:var(--on-ink);color:var(--on-ink);background:transparent}
.btn-ghost-light:hover{background:var(--on-ink);color:var(--ink)}
.link-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.link-cards a{display:flex;flex-direction:column;gap:6px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:22px;text-decoration:none;color:var(--text);border-bottom:4px solid var(--gold)}
.link-cards a:hover{border-bottom-color:var(--sun)}
.link-cards b{font-family:var(--display);font-size:1.15rem;color:var(--ink)}
@media (max-width:760px){.link-cards{grid-template-columns:1fr}}
/* trusts */
.trust-tools{display:flex;flex-direction:column;gap:12px;margin-bottom:28px}
.trust-tools label{font-weight:700;color:var(--ink)}
.trust-tools input{max-width:520px;width:100%;font:inherit;padding:12px 14px;border:1.5px solid #b8c0ca;border-radius:6px;min-height:52px}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{font-family:var(--body);font-size:.92rem;font-weight:600;border:1.5px solid var(--line);background:#fff;color:var(--ink);border-radius:999px;padding:8px 16px;min-height:44px;cursor:pointer}
.chip[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:#fff}
.trust-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:2px;background:var(--line);border:1px solid var(--line)}
.trust{background:var(--page);padding:22px 24px;display:flex;flex-direction:column;gap:8px;min-width:0}
.trust .tag{align-self:flex-start;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--sun-dark);background:#fdf1ea;border-radius:4px;padding:2px 8px}
@media (max-width:760px){.trust-grid{grid-template-columns:1fr}}
/* cases */
.case-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.case-card{display:flex;flex-direction:column;gap:8px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:24px;text-decoration:none;color:var(--text);border-top:4px solid var(--gold)}
.case-card:hover{border-top-color:var(--sun);box-shadow:0 8px 20px rgba(19,35,58,.08)}
.case-card .num{font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--sun-dark)}
.case-card b{font-family:var(--display);font-size:1.25rem;color:var(--ink);line-height:1.3}
.case-card em{margin-top:auto;font-style:normal;font-weight:700;color:var(--ink)}
@media (max-width:980px){.case-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:640px){.case-grid{grid-template-columns:1fr}}
.results{background:var(--ink);color:var(--on-ink);border-radius:8px;padding:28px;display:flex;flex-direction:column;gap:14px;position:sticky;top:110px;min-width:0}
.results .eyebrow{color:#f2c56b}
.results table{border-collapse:collapse;width:100%}
.results th,.results td{text-align:left;vertical-align:top;padding:12px 0;border-bottom:1px solid #2a3a54}
.results th{font-weight:700;color:#f2c56b;font-size:.9rem;padding-right:16px;width:42%}
.results td{color:#fff;font-variant-numeric:tabular-nums}
.results .fine{color:#9fadbf}
@media (max-width:860px){.results{position:static}}
.case-nav{max-width:1180px;margin:40px auto 0;padding-inline:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.case-nav a{font-weight:700;color:var(--ink);text-decoration:none}
.case-nav a:hover{color:var(--sun-dark)}
/* books */
.books{display:flex;flex-direction:column;gap:0}
.book-row{display:grid;grid-template-columns:220px minmax(0,1fr);gap:40px;align-items:center;padding-block:36px;border-bottom:1px solid var(--line)}
.book-row:first-child{padding-top:0}
.book-row img{width:220px;filter:drop-shadow(0 18px 18px rgba(19,35,58,.25))}
.book-row>div{display:flex;flex-direction:column;gap:10px;min-width:0}
.book-row .sub{font-family:var(--display);font-style:italic;color:var(--muted);font-size:1.05rem}
.book-row .tagline{font-weight:700;color:var(--sun-dark)}
@media (max-width:700px){.book-row{grid-template-columns:1fr;gap:20px}.book-row img{width:160px}}
.hero-ctas a{white-space:normal}
.sent.bad{background:#fbecec;border-color:#d99;color:#6b1d1d}
.steps.four{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:980px){.steps.four{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.steps.four{grid-template-columns:1fr}}
nav.main{gap:4px 16px}
nav.main a{font-size:.9rem}
@media (max-width:1180px) and (min-width:981px){header.site .cta{padding:.7em 1em;font-size:.95rem}}
/* desktop: nav on its own row under the logo and button */
@media (min-width:981px){
  header.site .wrap{flex-wrap:wrap;row-gap:10px}
  header.site nav.main{order:3;flex:0 0 100%;justify-content:center;gap:4px 18px;border-top:1px solid var(--line);padding-top:8px}
  header.site nav.main a{font-size:.92rem}
  header.site .cta{margin-left:auto}
}
@media (min-width:981px) and (max-width:1240px){header.site nav.main{gap:4px 12px}header.site nav.main a{font-size:.8rem}}
.set-sec{padding-block:20px 56px}
.set-sec .set-card{margin-top:24px}

/* ===== Alternative site (B): current Wealth Strategies USA brand colors and mastheads ===== */
:root{
  --ink:#0b2560;      /* logo navy */
  --text:#1c2433;
  --muted:#4a5568;
  --page:#ffffff;
  --band:#eef3fb;
  --sun:#2f66e0;      /* logo blue: primary buttons */
  --sun-dark:#1f4fbf;
  --gold:#2e8b46;     /* logo green: rules, eyebrows */
  --line:#d6deea;
  --on-ink:#f2f5fb;
  --display:"Montserrat","Segoe UI",Arial,sans-serif;
}
h1,h2,h3{font-family:var(--display);letter-spacing:-.01em}
h1{font-weight:800}
h2{font-weight:700}
.logo-img{height:48px;width:auto;display:block}
.flogo{height:52px;width:auto;margin-bottom:14px;background:#fff;border-radius:6px;padding:6px 10px}
.btn-primary{background:var(--sun)}
.btn-primary:hover{background:var(--sun-dark)}
.eyebrow{color:var(--gold)}
.pointer{background:#eef6f0}
.pointer b{color:var(--gold)}
.trust .tag{background:#eef3fb;color:var(--sun-dark)}
label.chk:has(input:checked){background:#eef3fb}
.svc-wide{background:#f3f7fe}
.numbered li::marker,.qlist li::marker,.step .n,.tile .big{color:var(--sun)}
/* masthead page heroes */
.page-hero.has-img{position:relative;background-color:var(--ink);background-position:center;background-size:cover;background-repeat:no-repeat;border-bottom:0;padding-block:72px 76px;color:#fff}
.page-hero.has-img::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,26,66,.88) 0%,rgba(8,26,66,.72) 50%,rgba(8,26,66,.35) 100%)}
.page-hero.has-img .wrap{position:relative}
.page-hero.has-img h1,.page-hero.has-img .lead{color:#fff}
.page-hero.has-img .lead{opacity:.95}
.page-hero.has-img .eyebrow{color:#9fe0b0}
.page-hero.has-img .crumbs,.page-hero.has-img .crumbs a{color:#d7e2f5}
.page-hero.has-img .btn-ghost{border-color:#fff;color:#fff}
.page-hero.has-img .btn-ghost:hover{background:#fff;color:var(--ink)}
/* home carousel */
.carousel{position:relative;background:var(--ink);overflow:hidden;padding:0}
.slides{position:relative;height:clamp(420px,46vw,620px)}
.slide{position:absolute;inset:0;background-position:center;background-size:cover;background-repeat:no-repeat;opacity:0;transition:opacity .8s ease;display:flex;align-items:center}
.slide.on{opacity:1;z-index:1}
.slide::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,26,66,.78) 0%,rgba(8,26,66,.45) 55%,rgba(8,26,66,0) 100%)}
.slide-copy{position:relative;max-width:1180px;width:100%;margin:0 auto;padding-inline:24px;display:flex;flex-direction:column;gap:16px;align-items:flex-start;color:#fff}
.slide-copy .slide-title{color:#fff;font-size:clamp(2rem,4.4vw,3.4rem);line-height:1.08;text-transform:uppercase;max-width:14em;font-weight:800}
.slide-copy p{font-size:1.2rem;max-width:30em;text-shadow:0 1px 3px rgba(0,0,0,.4)}
.slide-copy.baked{justify-content:flex-end;align-self:flex-end;padding-bottom:70px}
.slide:has(.baked)::before{background:linear-gradient(0deg,rgba(8,26,66,.85) 0%,rgba(8,26,66,0) 45%)}
.arrow{position:absolute;top:50%;transform:translateY(-50%);z-index:3;width:52px;height:52px;border-radius:50%;border:2px solid rgba(255,255,255,.8);background:rgba(8,26,66,.45);color:#fff;font-size:2rem;line-height:1;cursor:pointer}
.arrow.prev{left:14px}.arrow.next{right:14px}
.dots{position:absolute;left:0;right:0;bottom:18px;z-index:3;display:flex;justify-content:center;gap:10px;align-items:center}
.dot{width:14px;height:14px;border-radius:50%;border:2px solid #fff;background:transparent;cursor:pointer;padding:0}
.dot[aria-current="true"]{background:#fff}
.pause{margin-left:10px;background:rgba(8,26,66,.55);color:#fff;border:1px solid rgba(255,255,255,.7);border-radius:4px;min-width:40px;min-height:30px;cursor:pointer;font-size:.8rem}
@media (max-width:640px){.arrow{display:none}.slide-copy p{font-size:1.05rem}.slides{height:520px}}
.intro-strip{background:var(--band);padding-block:40px}
.intro-strip .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px 40px}
.intro-strip h1{font-size:clamp(1.5rem,2.6vw,2.1rem);max-width:24em}
.photo-row{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-bottom:40px}
.photo-row figure,.photo{margin:0;border-radius:8px;overflow:hidden;box-shadow:0 8px 24px rgba(11,37,96,.12)}
.photo-row img{width:100%;height:220px;object-fit:cover}
.photo img{width:100%;height:auto}
@media (max-width:760px){.photo-row{grid-template-columns:1fr}.photo-row figure:nth-child(n+2){display:none}}
/* video */
.video-wrap{position:relative;aspect-ratio:16/9;max-width:100%;border-radius:8px;overflow:hidden;background:#000;box-shadow:0 12px 30px rgba(11,37,96,.2)}
.video-wrap iframe,.video-wrap video{position:absolute;inset:0;width:100%;height:100%;border:0}
.video-poster{position:absolute;inset:0;width:100%;height:100%;border:0;cursor:pointer;background-position:center;background-size:cover;background-repeat:no-repeat;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:16px;color:#fff;font-family:var(--body)}
.video-poster::before{content:"";position:absolute;inset:0;background:rgba(8,26,66,.45)}
.video-poster .play{position:relative;width:96px;height:96px;border-radius:50%;background:var(--sun);display:flex;align-items:center;justify-content:center;font-size:2.4rem;padding-left:8px;box-shadow:0 8px 24px rgba(0,0,0,.35)}
.video-poster .vlabel{position:relative;font-size:1.2rem;font-weight:700}
.video-poster:hover .play{background:var(--sun-dark)}
#rothVideo{max-width:960px;margin:0 auto}
.callout-line{font-weight:700;color:var(--ink);background:#fff4e5;border-left:5px solid #e08a1e;padding:14px 18px;border-radius:4px}
.advisor{display:flex;gap:18px;align-items:center}
.advisor img{width:120px;height:120px;border-radius:50%;object-fit:cover;flex:none;border:4px solid var(--band)}
@media (max-width:480px){.advisor{flex-direction:column;align-items:flex-start}}