/*!
 * Smart Savings Solution LLC — Stylesheet
 * ------------------------------------------------------------
 * Design concept — "The Ledger"
 * A savings & insurance consultancy should feel established,
 * exact, and unhurried: like a well-kept financial ledger, not
 * a flashy fintech app. Hairline rules stand in for ledger
 * lines, service categories read as line items, and the one
 * animated moment in the whole site is a savings-growth line
 * that draws itself once in the hero.
 * ------------------------------------------------------------ */

/* ---------- Design tokens ---------- */
:root {
  /* Colour */
  --navy:        #0E2A3B;
  --navy-deep:   #081821;
  --teal:        #1F5C52;
  --teal-deep:   #143F38;
  --brass:       #B8863B;
  --brass-light: #D6AE73;
  --paper:       #F1EFE4;
  --paper-alt:   #E7E2D0;
  --ink:         #1B2630;
  --ink-soft:    #4B5761;
  --line:        #C9C2A8;
  --line-dark:   #2A4152;
  --white:       #FFFFFF;
  --danger:      #A93226;

  /* Type */
  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body:    'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Layout */
  --maxw: 1180px;
  --radius-sm: 4px;
  --radius-md: 8px;
  --space-1: 0.5rem;
  --space-2: 1rem;
  --space-3: 1.5rem;
  --space-4: 2.5rem;
  --space-5: 4rem;
  --space-6: 6rem;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4 { font-family: var(--font-display); margin: 0 0 var(--space-2); color: var(--navy); line-height: 1.15; font-weight: 600; }
p { margin: 0 0 var(--space-2); max-width: 62ch; }
button { font-family: inherit; cursor: pointer; }

:focus-visible {
  outline: 2px solid var(--brass);
  outline-offset: 3px;
}

@media (prefers-reduced-motion: reduce) {
  * { animation-duration: 0.001ms !important; animation-iteration-count: 1 !important; transition-duration: 0.001ms !important; scroll-behavior: auto !important; }
}

.container {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 var(--space-3);
}

.eyebrow-label {
  display: block;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.05rem;
  color: var(--teal);
  margin-bottom: var(--space-1);
}

.section { padding: var(--space-6) 0; }
.section--tight { padding: var(--space-5) 0; }
.section--navy { background: var(--navy); color: #DDE6EA; }
.section--navy h1, .section--navy h2, .section--navy h3 { color: var(--white); }
.section--alt { background: var(--paper-alt); }

.rule {
  border: none;
  border-top: 1px solid var(--line);
  margin: 0;
}
.section--navy .rule { border-top-color: var(--line-dark); }

.lede { font-size: 1.15rem; color: var(--ink-soft); max-width: 58ch; }
.section--navy .lede { color: #B7C6CD; }

/* ---------- Buttons ---------- */
.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.85rem 1.6rem;
  font-size: 0.98rem;
  font-weight: 600;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  overflow: hidden;
  z-index: 0;
  transition: color 0.35s ease, border-color 0.35s ease;
}
.btn::before {
  content: "";
  position: absolute;
  inset: 0;
  transform: translateX(-101%);
  transition: transform 0.35s ease;
  z-index: -1;
}
.btn:hover::before { transform: translateX(0); }

.btn-primary {
  background: var(--brass);
  color: var(--navy-deep);
  border-color: var(--brass);
}
.btn-primary::before { background: var(--navy-deep); }
.btn-primary:hover { color: var(--white); }

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.45);
}
.btn-outline::before { background: rgba(255,255,255,0.12); }

.btn-outline-dark {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-dark::before { background: var(--navy); }
.btn-outline-dark:hover { color: var(--white); }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}
.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.1rem 0;
}
.brand {
  display: flex;
  align-items: baseline;
  gap: 0.5rem;
  font-family: var(--font-display);
  font-size: 1.35rem;
  font-weight: 600;
  color: var(--navy);
}
.brand small {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 0.7rem;
  color: var(--teal);
  letter-spacing: 0.02em;
}
.brand .brand-mark {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--brass-light);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.05rem;
}

.nav-list {
  display: flex;
  gap: var(--space-4);
}
.nav-list a {
  position: relative;
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--ink-soft);
  padding-bottom: 4px;
}
.nav-list a::after {
  content: "";
  position: absolute;
  left: 0; right: 100%;
  bottom: 0;
  height: 2px;
  background: var(--brass);
  transition: right 0.3s ease;
}
.nav-list a:hover,
.nav-list a[aria-current="page"] { color: var(--navy); }
.nav-list a:hover::after,
.nav-list a[aria-current="page"]::after { right: 0; }

.nav-cta { display: flex; align-items: center; gap: var(--space-2); }
.nav-phone {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
}

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  width: 42px;
  height: 38px;
  align-items: center;
  justify-content: center;
}
.nav-toggle span,
.nav-toggle span::before,
.nav-toggle span::after {
  content: "";
  display: block;
  width: 20px;
  height: 2px;
  background: var(--navy);
  position: relative;
  transition: transform 0.25s ease, opacity 0.25s ease;
}
.nav-toggle span::before { position: absolute; top: -6px; }
.nav-toggle span::after { position: absolute; top: 6px; }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { transform: rotate(45deg) translate(4px, 5px); }
.nav-toggle[aria-expanded="true"] span::after { transform: rotate(-45deg) translate(4px, -5px); }

@media (max-width: 920px) {
  .nav-list { display: none; }
  .nav-phone { display: none; }
  .nav-toggle { display: inline-flex; }
  .site-header.is-open .nav-list {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    padding: var(--space-3);
  }
}

/* ---------- Hero ---------- */
.hero {
  background: var(--navy);
  color: var(--white);
  overflow: hidden;
  position: relative;
}
.hero .container {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: var(--space-5);
  align-items: center;
  padding-top: var(--space-6);
  padding-bottom: var(--space-6);
}
.hero h1 {
  color: var(--white);
  font-size: clamp(2.1rem, 4vw, 3.1rem);
  margin-bottom: var(--space-3);
}
.hero p.lede { color: #C4D1D6; margin-bottom: var(--space-3); }
.hero-actions { display: flex; gap: var(--space-2); flex-wrap: wrap; }

.hero-chart-card {
  background: var(--navy-deep);
  border: 1px solid var(--line-dark);
  border-radius: var(--radius-md);
  padding: var(--space-3);
}
.hero-chart-caption {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: #9FB1B8;
  margin-top: var(--space-1);
  border-top: 1px solid var(--line-dark);
  padding-top: var(--space-1);
}
.hero-chart-caption strong { color: var(--brass-light); font-weight: 600; }

.chart-line {
  stroke-dasharray: 620;
  stroke-dashoffset: 620;
  animation: draw-line 2.1s ease-out 0.3s forwards;
}
.chart-dot {
  opacity: 0;
  animation: pop-dot 0.4s ease-out forwards;
}
.chart-dot:nth-of-type(1) { animation-delay: 0.5s; }
.chart-dot:nth-of-type(2) { animation-delay: 0.95s; }
.chart-dot:nth-of-type(3) { animation-delay: 1.4s; }
.chart-dot:nth-of-type(4) { animation-delay: 1.85s; }
.chart-dot:nth-of-type(5) { animation-delay: 2.2s; }

@keyframes draw-line { to { stroke-dashoffset: 0; } }
@keyframes pop-dot { to { opacity: 1; } }

@media (max-width: 860px) {
  .hero .container { grid-template-columns: 1fr; }
}

/* ---------- Why choose ---------- */
.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-3);
  margin-top: var(--space-4);
}
.why-item {
  border-top: 3px solid var(--teal);
  padding-top: var(--space-2);
}
.why-item h3 { font-size: 1.05rem; margin-bottom: 0.4rem; }
.why-item p { font-size: 0.95rem; color: var(--ink-soft); }
@media (max-width: 920px) {
  .why-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .why-grid { grid-template-columns: 1fr; }
}

/* ---------- What we do ---------- */
.wwd-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  border-top: 1px solid var(--line);
  border-left: 1px solid var(--line);
  margin-top: var(--space-4);
}
.wwd-item {
  padding: var(--space-3);
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.wwd-item h3 { font-size: 1.1rem; margin-bottom: 0.4rem; }
.wwd-item p { font-size: 0.95rem; color: var(--ink-soft); margin: 0; }
@media (max-width: 700px) {
  .wwd-grid { grid-template-columns: 1fr; }
}

/* ---------- Services ledger ---------- */
.ledger {
  margin-top: var(--space-4);
  border-top: 1px solid var(--line);
}
.ledger-row {
  border-bottom: 1px solid var(--line);
  padding: var(--space-3) 0;
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: var(--space-3);
}
.ledger-badge {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid var(--navy);
  color: var(--navy);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.92rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.6rem;
}
.ledger-row h3 {
  font-size: 1.2rem;
  margin-bottom: 0.35rem;
}
.ledger-row-head { display: flex; flex-direction: column; gap: 0.35rem; }
.ledger-items {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.4rem 1.5rem;
}
.ledger-items li {
  position: relative;
  padding-left: 1.1rem;
  font-size: 0.96rem;
  color: var(--ink-soft);
}
.ledger-items li::before {
  content: "";
  position: absolute;
  left: 0; top: 0.55em;
  width: 6px; height: 1px;
  background: var(--brass);
}
@media (max-width: 780px) {
  .ledger-row { grid-template-columns: 1fr; }
  .ledger-items { grid-template-columns: 1fr; }
}

/* ---------- Process (genuine sequence -> numbering allowed) ---------- */
.process {
  margin-top: var(--space-4);
  position: relative;
}
.process-track {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-3);
  position: relative;
}
.process-track::before {
  content: "";
  position: absolute;
  top: 22px; left: 0; right: 0;
  height: 1px;
  background: var(--line);
}
.process-step { position: relative; padding-top: var(--space-4); }
.process-num {
  position: absolute;
  top: 0; left: 0;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--paper);
  border: 1px solid var(--navy);
  color: var(--navy);
  font-family: var(--font-display);
  font-weight: 600;
  display: flex; align-items: center; justify-content: center;
}
.process-step h3 { font-size: 1.05rem; }
.process-step p { font-size: 0.94rem; color: var(--ink-soft); }
@media (max-width: 860px) {
  .process-track { grid-template-columns: 1fr; gap: var(--space-4); }
  .process-track::before { display: none; }
}

/* ---------- Pricing ---------- */
.pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-3);
  margin-top: var(--space-4);
}
.price-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: var(--space-3);
  display: flex;
  flex-direction: column;
}
.price-card--featured {
  border-color: var(--brass);
  box-shadow: 0 0 0 1px var(--brass);
}
.price-card h3 { font-size: 1.15rem; margin-bottom: 0.35rem; }
.price-tag {
  font-family: var(--font-display);
  font-size: 2rem;
  color: var(--navy);
  margin: var(--space-2) 0 0.2rem;
}
.price-tag del {
  font-size: 1.05rem;
  color: var(--ink-soft);
  font-weight: 400;
  margin-left: 0.4rem;
}
.price-note { font-size: 0.82rem; color: var(--ink-soft); margin-bottom: var(--space-2); }
.price-card ul { margin: var(--space-2) 0; flex-grow: 1; }
.price-card li {
  padding: 0.4rem 0;
  border-top: 1px solid var(--paper-alt);
  font-size: 0.93rem;
}
.price-card li:first-child { border-top: none; }
@media (max-width: 920px) {
  .pricing-grid { grid-template-columns: 1fr; }
}

/* ---------- Payment icons ---------- */
.payments {
  margin-top: var(--space-3);
  display: flex;
  align-items: center;
  gap: var(--space-3);
  flex-wrap: wrap;
}
.payments-label {
  font-size: 0.85rem;
  color: var(--ink-soft);
  font-weight: 600;
  margin-right: 0.3rem;
}
.section--navy .payments-label { color: #9FB1B8; }
.card-icon { width: 52px; height: 34px; display: block; }

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-5);
  margin-top: var(--space-4);
}
.form-field { margin-bottom: var(--space-2); }
.form-field label {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  margin-bottom: 0.3rem;
  color: var(--navy);
}
.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  padding: 0.7rem 0.85rem;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--white);
  font-family: inherit;
  font-size: 0.96rem;
  color: var(--ink);
  transition: border-color 0.2s ease;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  border-color: var(--teal);
}
.form-field .field-invalid {
  border-color: var(--danger);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-2); }
.form-note { font-size: 0.82rem; color: var(--ink-soft); margin-top: 0.5rem; }
.form-alert {
  padding: 0.85rem 1rem;
  border-radius: var(--radius-sm);
  margin-bottom: var(--space-2);
  font-size: 0.92rem;
}
.form-alert--success { background: #E5EFE0; color: var(--teal-deep); border: 1px solid #B9D1AC; }
.form-alert--error { background: #F6E4E1; color: var(--danger); border: 1px solid #E4B7AE; }

.contact-info-item {
  padding: var(--space-2) 0;
  border-bottom: 1px solid var(--line);
}
.contact-info-item:first-child { padding-top: 0; }
.contact-info-item h4 {
  font-family: var(--font-body);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--teal);
  margin: 0 0 0.3rem;
}
.contact-info-item p { margin: 0; font-size: 0.98rem; }
@media (max-width: 860px) {
  .contact-grid { grid-template-columns: 1fr; gap: var(--space-4); }
  .form-row { grid-template-columns: 1fr; }
}

/* ---------- FAQ accordion ---------- */
.faq-list { margin-top: var(--space-4); border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  padding: 1.3rem 2.2rem 1.3rem 0;
  position: relative;
  font-family: var(--font-display);
  font-size: 1.08rem;
  color: var(--navy);
}
.faq-q::after {
  content: "+";
  position: absolute;
  right: 0; top: 50%;
  transform: translateY(-50%);
  font-size: 1.4rem;
  color: var(--brass);
  transition: transform 0.25s ease;
}
.faq-item.is-open .faq-q::after { transform: translateY(-50%) rotate(45deg); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}
.faq-a-inner { padding-bottom: 1.3rem; color: var(--ink-soft); max-width: 68ch; }
.faq-item.is-open .faq-a { max-height: 480px; }

/* ---------- Policy pages ---------- */
.policy-content h2 {
  font-size: 1.3rem;
  margin-top: var(--space-4);
  padding-top: var(--space-2);
  border-top: 1px solid var(--line);
}
.policy-content h2:first-child { border-top: none; margin-top: 0; padding-top: 0; }
.policy-content ul { margin: 0.6rem 0 1rem; }
.policy-content li {
  position: relative;
  padding-left: 1.1rem;
  margin-bottom: 0.35rem;
}
.policy-content li::before {
  content: "";
  position: absolute;
  left: 0; top: 0.6em;
  width: 6px; height: 1px;
  background: var(--brass);
}
.policy-updated {
  display: inline-block;
  font-size: 0.85rem;
  color: var(--ink-soft);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0.3rem 0.7rem;
  margin-bottom: var(--space-3);
}

/* ---------- Page header (interior pages) ---------- */
.page-header {
  background: var(--navy);
  color: var(--white);
  padding: var(--space-5) 0 var(--space-4);
}
.page-header h1 { color: var(--white); margin-bottom: 0.4rem; }
.breadcrumb { font-size: 0.85rem; color: #9FB1B8; }
.breadcrumb a { color: #C4D1D6; }
.breadcrumb a:hover { color: var(--white); }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--teal);
  color: var(--white);
  padding: var(--space-5) 0;
  text-align: center;
}
.cta-band h2 { color: var(--white); }
.cta-band .lede { color: #D7E6E0; margin: 0 auto var(--space-3); }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-deep);
  color: #9FB1B8;
  padding: var(--space-5) 0 var(--space-3);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: var(--space-4);
}
.footer-brand { color: var(--white); font-family: var(--font-display); font-size: 1.2rem; margin-bottom: 0.6rem; }
.footer-col h4 {
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: var(--space-2);
}
.footer-col li { margin-bottom: 0.55rem; font-size: 0.92rem; }
.footer-col a:hover { color: var(--white); }
.footer-bottom {
  margin-top: var(--space-4);
  padding-top: var(--space-2);
  border-top: 1px solid var(--line-dark);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.6rem;
  font-size: 0.82rem;
}
.footer-bottom a:hover { color: var(--white); }
@media (max-width: 860px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* ---------- Demo payment block (checkout) ---------- */
.payment-block {
  background: var(--paper-alt);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: var(--space-3);
  margin-bottom: var(--space-3);
}

/* ---------- Thank-you modal ---------- */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(8, 24, 33, 0.55);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-3);
  z-index: 200;
  animation: modal-fade 0.25s ease;
}
.modal-overlay[hidden] { display: none; }
.modal-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: var(--space-4);
  max-width: 420px;
  width: 100%;
  text-align: center;
  animation: modal-pop 0.3s ease;
}
.modal-check {
  color: var(--teal);
  margin: 0 auto var(--space-2);
  width: 40px;
}
.modal-check-path {
  stroke-dasharray: 30;
  stroke-dashoffset: 30;
  animation: draw-line 0.5s ease-out 0.2s forwards;
}
.modal-card h3 { margin-bottom: 0.5rem; }
.modal-card p { margin: 0 auto var(--space-3); }
.modal-card .btn { width: 100%; justify-content: center; }

@keyframes modal-fade { from { opacity: 0; } to { opacity: 1; } }
@keyframes modal-pop {
  from { opacity: 0; transform: translateY(12px) scale(0.98); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mx-auto { margin-left: auto; margin-right: auto; }
.mt-0 { margin-top: 0; }
.section-head { max-width: 68ch; margin-bottom: var(--space-2); }
.section-head.text-center { margin-left: auto; margin-right: auto; }

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--brass);
  color: var(--navy-deep);
  padding: 0.6rem 1rem;
  z-index: 100;
}
.skip-link:focus { left: 0; }