:root{--glow:rgba(139,30,45,0.38);--hdr-bg:rgba(14,12,11,0.96);--hdr-solid:#14110F;--surface-dark-2:#1C1715;--accent:#8B1E2D;--on-accent:#FFFFFF;--accent-strong:#8B1E2D;--accent-on-dark:#E8B4BB;--focus:#B3263A;--xlink-bg:#8B1E2D;--xlink-fg:#FFFFFF;}
.btn:hover{background:#6B1822;border-color:#6B1822;color:#fff!important}
.eyebrow,.hero .kicker,.page-hero .kicker{color:var(--accent-on-dark)}.eyebrow::before{background:var(--accent-on-dark)}
.nav-links a:hover,.nav-links a[aria-current=page]{color:#fff;border-bottom-color:var(--accent-on-dark)}
.site-footer h4{color:var(--accent-on-dark)}.site-footer a:hover{color:var(--accent-on-dark)}
.mint-rule{background:var(--accent)}
.hero { padding: 0; }
.trust, .xlink, .tools-strip { padding-left: 0; padding-right: 0; }
/* v2 overrides — mobile-first header, one-tap actions, funnel, calculators. Uses each site's brand variables. */
html { -webkit-text-size-adjust: 100%; }
body { overflow-x: hidden; }
.site-header { background: var(--hdr-bg); }
.nav { gap: 1.1rem; }
.nav-links { gap: 0.1rem 1.05rem; }
.nav-links a { font-size: 0.86rem; letter-spacing: 0.02em; opacity: 0.9; white-space: nowrap; }
.nav-ctas .btn { padding: 0.7rem 1.05rem; }
.btn { min-height: 48px; border-radius: 2px; }
.btn:focus-visible, a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--focus); outline-offset: 2px;
}
.hero h1 { max-width: 14ch; }
h1 { font-size: clamp(2.35rem, 6.4vw, 5.4rem); }
.page-hero h1 { font-size: clamp(2.1rem, 5vw, 4rem); }
.hero-media picture, .hero-media img { width: 100%; height: 100%; }
.hero-media img { object-fit: cover; }
.hero .lede { color: rgba(246, 243, 236, 0.9); }
.hero-sub { margin-top: 1.1rem; font-size: 0.9rem; color: rgba(246, 243, 236, 0.78); }
.hero-sub a { color: var(--accent-on-dark); }

/* Trust strip */
.trust { padding: 1.1rem 0; background: var(--surface-dark-2); color: rgba(246,243,236,0.86); border-bottom: 1px solid var(--hair-light); }
.trust ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 0.5rem 2rem; font-size: 0.88rem; }
.trust li { display: flex; gap: 0.55rem; align-items: baseline; }
.trust li::before { content: ""; width: 7px; height: 7px; background: var(--accent-on-dark); flex: 0 0 7px; transform: translateY(-1px); }

/* Crosslink band */
.xlink { padding: 2.4rem 0; background: var(--xlink-bg); color: var(--xlink-fg); }
.xlink .wrap { display: flex; gap: 1.5rem; align-items: center; justify-content: space-between; flex-wrap: wrap; }
.xlink h2 { font-size: clamp(1.45rem, 2.6vw, 2rem); margin: 0 0 0.35rem; color: inherit; }
.xlink p { margin: 0; max-width: 44rem; color: inherit; opacity: 0.88; }
.xlink .btn { flex-shrink: 0; }

/* Sticky mobile action bar */
.action-bar { display: none; }
@media (max-width: 760px) {
  .action-bar {
    display: grid; grid-template-columns: 1fr 1fr; gap: 1px;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
    background: var(--hair-light); border-top: 1px solid var(--hair-mint);
    padding-bottom: env(safe-area-inset-bottom);
  }
  .action-bar a {
    display: flex; align-items: center; justify-content: center; gap: 0.45rem;
    min-height: 56px; font-weight: 600; font-size: 0.95rem; text-decoration: none;
    background: var(--hdr-solid); color: var(--cream);
  }
  .action-bar a.primary { background: var(--accent); color: var(--on-accent); }
  body { padding-bottom: 58px; }
}
.action-bar svg, .icon { width: 18px; height: 18px; flex: 0 0 18px; }

/* Mobile header: logo, phone icon, menu. Nothing wider than the screen. */
@media (max-width: 980px) {
  .nav { gap: 0.6rem; }
  .menu-toggle { margin-left: 0; order: 3; width: 46px; height: 46px; }
  .nav-ctas { margin-left: auto; order: 2; gap: 0.5rem; }
  .nav-ctas .nav-phone { display: none; }
  .nav-ctas .btn { min-height: 44px; padding: 0.55rem 0.85rem; font-size: 0.82rem; }
  .site-header.is-open .nav-links { order: 4; max-height: calc(100svh - var(--header)); overflow-y: auto; }
  .site-header.is-open .nav-links a { font-size: 1.05rem; padding: 0.45rem 0; }
}
@media (max-width: 640px) {
  :root { --header: 64px; }
  .logo img { width: 32px; height: 32px; }
  .hero { min-height: auto; }
  .hero-inner { padding: 2.6rem 0 2.4rem; }
  .hero .lede { font-size: 1.05rem; }
  .hero .cta-row .btn, .page-hero .cta-row .btn, .close-cta .cta-row .btn { flex: 1 1 100%; }
  .page-hero { padding: 2.4rem 0 2rem; }
  .page-hero .lede { font-size: 1.04rem; }
  section { padding: 3.1rem 0; }
  .btn { white-space: normal; text-align: center; }
  .nav-ctas .btn { white-space: nowrap; }
  .trust ul { flex-direction: column; gap: 0.45rem; }
  .card { padding: 1.5rem 1.3rem; }
  .card-num { margin-bottom: 1.1rem; }
  .xlink .btn { width: 100%; }
}
@media (max-width: 360px) { .nav-ctas .btn { display: none; } }

/* Forms (mock) */
.form input, .form select, .form textarea { min-height: 48px; font-size: 16px; border-radius: 2px; }
.form label { text-transform: none; letter-spacing: 0.01em; font-size: 0.9rem; }
.form label input, .form label select, .form label textarea { margin-top: 0.35rem; }
.form .check { display: flex; gap: 0.65rem; align-items: flex-start; font-weight: 500; font-size: 0.92rem; margin: 0.9rem 0; }
.form .check input { width: 22px; height: 22px; min-height: 0; flex: 0 0 22px; margin: 0.15rem 0 0; accent-color: var(--accent-strong); }
.preview-note { font-size: 0.82rem; padding: 0.6rem 0.8rem; border-left: 3px solid var(--accent-strong); background: rgba(0,0,0,0.04); color: var(--muted); margin-top: 0.9rem; }
.form-done { display: none; padding: 1.4rem; background: var(--hdr-solid); color: var(--cream); }
.form-done h3 { color: var(--cream); }
.form-done p { color: rgba(246,243,236,0.86); }
.form-done.show { display: block; }

/* Qualifier */
.qual { background: var(--paper); border: 1px solid var(--hair); padding: clamp(1.2rem, 3vw, 2.2rem); max-width: 46rem; }
.qual-progress { display: flex; gap: 6px; margin-bottom: 1.3rem; }
.qual-progress i { flex: 1; height: 4px; background: var(--hair); }
.qual-progress i.on { background: var(--accent-strong); }
.qual-step { display: none; border: 0; padding: 0; margin: 0; min-width: 0; }
.qual-step.active { display: block; }
.qual-step legend { font-family: var(--serif); font-size: clamp(1.35rem, 2.6vw, 1.8rem); line-height: 1.15; margin-bottom: 0.4rem; padding: 0; color: var(--ink); }
.qual-step .hint { color: var(--muted); font-size: 0.95rem; margin-bottom: 1rem; }
.opts { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 0.6rem; }
.opt { position: relative; }
.opt input { position: absolute; opacity: 0; inset: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.opt span { display: flex; align-items: center; min-height: 54px; padding: 0.7rem 1rem; border: 1px solid var(--hair); background: var(--cream); font-weight: 500; }
.opt input:checked + span { border-color: var(--accent-strong); box-shadow: inset 0 0 0 2px var(--accent-strong); background: var(--paper); }
.opt input:focus-visible + span { outline: 3px solid var(--focus); outline-offset: 2px; }
.qual-nav { display: flex; gap: 0.6rem; margin-top: 1.4rem; flex-wrap: wrap; }
.qual-nav .btn { flex: 1 1 auto; }
.qual-redirect { display: none; margin-top: 1.1rem; padding: 1.1rem 1.2rem; border-left: 3px solid var(--accent-strong); background: var(--cream); }
.qual-redirect.show { display: block; }
.qual-attached { display: none; margin-bottom: 1rem; padding: 0.7rem 0.9rem; background: var(--cream); border: 1px dashed var(--accent-strong); font-size: 0.92rem; }
.qual-attached.show { display: block; }
.field-err { color: #9b1c1c; font-size: 0.85rem; min-height: 1.2em; margin-top: 0.3rem; }

/* Calculators */
.bcalc-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.25rem; }
.bcalc { background: var(--cream); border: 1px solid var(--hair); padding: clamp(1.2rem, 2.6vw, 1.9rem); display: flex; flex-direction: column; min-width: 0; }
.bcalc h3 { margin-bottom: 0.4rem; }
.bcalc .tag { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--accent-strong); margin-bottom: 0.6rem; }
.bcalc .lede-s { color: var(--muted); font-size: 0.95rem; }
.fld { margin: 0.85rem 0; }
.fld label { display: block; font-weight: 600; font-size: 0.92rem; margin-bottom: 0.3rem; }
.fld .money { position: relative; }
.fld .money::before { content: "$"; position: absolute; left: 0.8rem; top: 50%; transform: translateY(-50%); color: var(--muted); }
.fld input[type=number], .fld select { width: 100%; min-height: 48px; font-size: 16px; padding: 0.6rem 0.8rem; border: 1px solid var(--hair); background: #fff; color: var(--ink); border-radius: 2px; }
.fld .money input { padding-left: 1.6rem; }
.seg { display: flex; flex-wrap: wrap; gap: 0.4rem; }
.seg label { flex: 1 1 auto; position: relative; margin: 0; }
.seg input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.seg span { display: flex; align-items: center; justify-content: center; min-height: 44px; padding: 0.4rem 0.7rem; border: 1px solid var(--hair); background: #fff; font-weight: 600; font-size: 0.88rem; text-align: center; }
.seg input:checked + span { background: var(--ink); color: var(--cream); border-color: var(--ink); }
.seg input:focus-visible + span { outline: 3px solid var(--focus); outline-offset: 2px; }
.res { margin-top: 1rem; background: var(--hdr-solid); color: var(--cream); padding: 1.15rem 1.2rem; }
.res .big { font-family: var(--serif); font-size: clamp(1.9rem, 4vw, 2.5rem); line-height: 1.05; margin: 0.1rem 0 0.6rem; color: var(--cream); }
.res .lab { font-size: 0.72rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--accent-on-dark); margin: 0; }
.res table { width: 100%; border-collapse: collapse; font-size: 0.92rem; }
.res td { padding: 0.38rem 0; border-top: 1px solid rgba(246,243,236,0.14); vertical-align: top; }
.res td:last-child { text-align: right; font-variant-numeric: tabular-nums; font-weight: 600; white-space: nowrap; padding-left: 0.8rem; }
.res .warn { margin-top: 0.7rem; padding: 0.55rem 0.7rem; background: rgba(246,243,236,0.1); border-left: 3px solid #f2c94c; font-size: 0.88rem; display: none; }
.res .warn.show { display: block; }
.res ul { margin: 0.4rem 0 0; padding-left: 1.1rem; font-size: 0.92rem; }
.res li { margin: 0.3rem 0; }
.assume { margin-top: 0.9rem; font-size: 0.84rem; color: var(--muted); }
.assume summary { cursor: pointer; font-weight: 600; color: var(--ink); min-height: 32px; }
.assume ul { padding-left: 1.1rem; margin: 0.5rem 0 0; }
.assume li { margin: 0.25rem 0; }
.gi { font-size: 0.8rem; color: var(--muted); margin-top: 0.7rem; }
.calc-cta { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1rem; }
.calc-cta .btn { flex: 1 1 180px; }
.q-list { list-style: none; padding: 0; margin: 0.6rem 0 0; }
.q-list li { padding: 0.6rem 0; border-top: 1px solid var(--hair); }
.q-list p { margin: 0 0 0.4rem; font-weight: 600; font-size: 0.93rem; }
@media (max-width: 980px) { .bcalc-grid { grid-template-columns: 1fr; } }

/* Steps */
.steps { list-style: none; counter-reset: s; padding: 0; margin: 1.5rem 0 0; display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 1rem; }
.steps li { counter-increment: s; border-top: 2px solid var(--accent-strong); padding-top: 0.9rem; }
.steps li::before { content: counter(s, decimal-leading-zero); font-family: var(--serif); color: var(--accent-strong); display: block; margin-bottom: 0.4rem; }
.steps h3 { font-size: 1.2rem; margin-bottom: 0.3rem; }
.steps p { color: var(--muted); font-size: 0.95rem; }
.band-dark .steps p { color: rgba(246,243,236,0.8); }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .steps { grid-template-columns: 1fr; } }

.band-dark { background: var(--hdr-solid); color: var(--cream); }
.band-dark h2, .band-dark h3 { color: var(--cream); }
.band-dark p { color: rgba(246, 243, 236, 0.82); }
.band-dark .kicker { color: var(--accent-on-dark); }
.foot-legal { font-size: 0.8rem; color: rgba(246,243,236,0.66); }
.foot-legal span { flex: 1 1 100%; }
.site-footer p { color: rgba(246,243,236,0.74); }
.sources { font-size: 0.85rem; color: var(--muted); }
.sources li { margin: 0.35rem 0; }
.sources a { word-break: break-word; }
[hidden] { display: none !important; }
.page-hero.with-photo::before {
  background: linear-gradient(180deg, rgba(12, 12, 12, 0.6) 0%, rgba(12, 12, 12, 0.9) 100%), url("../assets/brisbane-dusk-2560.webp") center / cover no-repeat;
}
@media (min-width: 1300px) and (min-resolution: 2dppx) { .page-hero.with-photo::before { background-image: linear-gradient(180deg, rgba(12, 12, 12, 0.6) 0%, rgba(12, 12, 12, 0.9) 100%), url("../assets/brisbane-dusk-3840.webp"); } }
@media (max-width: 800px) { .page-hero.with-photo::before { background: linear-gradient(180deg, rgba(12,12,12,0.6) 0%, rgba(12,12,12,0.9) 100%), url("../assets/brisbane-dusk-1280.webp") center / cover no-repeat; } }
.band-dark .steps li { border-top-color: var(--accent-on-dark); }
.band-dark .steps li::before { color: var(--accent-on-dark); }
.band-dark .card { background: transparent; border-color: rgba(246,243,236,0.18); color: inherit; }
.band-dark .card p { color: rgba(246,243,236,0.8); }
.band-dark .stat-list strong { color: var(--accent-on-dark); }
.photo-break picture, .photo-break img { width: 100%; }
.steps.steps-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
@media (max-width: 520px) { .steps.steps-2 { grid-template-columns: 1fr; } }
@media (max-width: 640px) { .trio .card p { font-size: 0.95rem; } .card-link { margin-top: 0.8rem; } }

/* ===== "Cool, not platinum": modern sans, pills, rounded cards ===== */
:root { --serif: "DM Sans", "Helvetica Neue", Arial, sans-serif; --r: 16px; }
h1, h2, h3, h4 { font-family: var(--sans); font-weight: 700; letter-spacing: -0.035em; line-height: 1.04; }
h3 { letter-spacing: -0.02em; line-height: 1.15; }
h1 { font-size: clamp(2.4rem, 6.6vw, 5.2rem); }
h2 { font-size: clamp(1.85rem, 3.6vw, 3rem); }
.btn { border-radius: 999px; font-weight: 700; padding: 0.85rem 1.4rem; }
.card, .bcalc, .qual, .form, .portrait-panel, .lock { border-radius: var(--r); }
.res { border-radius: 12px; }
.opt span, .seg span, .fld input[type=number], .fld select, .form input, .form select, .form textarea { border-radius: 10px; }
.eyebrow { padding: 0.38rem 0.8rem; border: 1px solid currentColor; border-radius: 999px; letter-spacing: 0.14em; }
.eyebrow::before { display: none; }
.hero::after { content: ""; position: absolute; inset: auto -20% -40% auto; width: 70vw; height: 70vw; max-width: 900px; max-height: 900px; background: radial-gradient(closest-side, var(--glow), transparent); pointer-events: none; z-index: 0; }
.hero h1 em { font-style: normal; color: var(--accent-on-dark); }
.card-num, .steps li::before { font-family: var(--sans); font-weight: 700; }
.mint-rule { height: 3px; border-radius: 3px; width: 40px; }

/* Calculator tabs */
.ctabs { display: flex; gap: 0.5rem; overflow-x: auto; padding: 0.2rem 0.1rem 0.6rem; margin: 1.4rem 0 1rem; scrollbar-width: none; -webkit-overflow-scrolling: touch; }
.ctabs::-webkit-scrollbar { display: none; }
.ctabs button { flex: 0 0 auto; min-height: 46px; padding: 0.55rem 1rem; border-radius: 999px; border: 1px solid var(--hair); background: #fff; color: var(--ink); font-weight: 700; font-size: 0.9rem; cursor: pointer; white-space: nowrap; }
.ctabs button[aria-selected="true"] { background: var(--ink); color: var(--cream); border-color: var(--ink); }
.ctabs button:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; }
.cpanel { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 1.4rem; align-items: start; }
.cpanel .res { margin-top: 0; position: sticky; top: calc(var(--header) + 12px); }
.cpanel .inputs { min-width: 0; }
@media (max-width: 860px) { .cpanel { grid-template-columns: 1fr; } .cpanel .res { position: static; } }
.calc-hero { padding-top: 3rem; }

/* Action bar: 2 buttons (call + primary) */
@media (max-width: 760px) {
  .action-bar { grid-template-columns: 1fr 1fr; }
}

/* Business tiles (FinForce -> PRM calculators) */
.tiles { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 0.9rem; margin-top: 1.4rem; }
.tile { display: flex; flex-direction: column; gap: 0.4rem; padding: 1.2rem; border-radius: var(--r); background: rgba(255,255,255,0.05); border: 1px solid rgba(246,243,236,0.16); color: var(--cream); text-decoration: none; transition: transform .25s var(--ease), border-color .25s; }
.tile:hover { transform: translateY(-3px); border-color: var(--accent-on-dark); color: var(--cream); }
.tile b { font-size: 1.05rem; }
.tile span { font-size: 0.9rem; color: rgba(246,243,236,0.75); }
.tile i { font-style: normal; color: var(--accent-on-dark); font-weight: 700; font-size: 0.85rem; margin-top: auto; }
@media (max-width: 900px) { .tiles { grid-template-columns: 1fr 1fr; } }
@media (max-width: 420px) { .tiles { grid-template-columns: 1fr; } }

/* Form failure fallback */
.form-fail { background: #fdecea; border-left: 3px solid #b42318; color: #7a1d14; padding: 0.7rem 0.9rem; border-radius: 8px; font-size: 0.92rem; margin-top: 0.8rem; }
.form-fail a { color: inherit; text-decoration: underline; }
.check-row{display:flex;gap:.6rem;align-items:flex-start;font-size:.9rem;margin:.4rem 0}.check-row input{width:auto;margin-top:.25rem}
.site-footer h3{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;margin:0 0 .9rem}.foot-legal a{text-decoration:underline;text-underline-offset:2px}
.site-footer h3{color:var(--accent-on-dark);font-weight:600}


/* About us / The team (quiet, FinForce About style). Shay's photo rotates daily via js/founder.js */
.prm-team { padding: clamp(2.5rem, 5vw, 4rem) 0; }
.pt-grid { list-style: none; margin: 1.5rem 0 0; padding: 0; display: grid; gap: 0 2rem; grid-template-columns: repeat(2, minmax(0, 1fr)); }
.pt { display: flex; gap: 0.9rem; align-items: flex-start; padding: 1rem 0; border-top: 1px solid var(--hair, rgba(20,17,15,0.12)); }
.pt h3 { font-size: 1rem; margin: 0 0 0.2rem; }
.pt p { margin: 0; font-size: 0.92rem; color: var(--muted, #5b5550); }
.pt-av { flex: 0 0 56px; }
.pt-av img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; display: block; box-shadow: 0 0 0 2px rgba(139,30,45,0.35); }
@media (max-width: 640px) { .pt-grid { grid-template-columns: minmax(0, 1fr); } .pt-av { flex-basis: 48px; } .pt-av img { width: 48px; height: 48px; } }

.co-slider { width: 100%; margin: 0.5rem 0 0; accent-color: var(--accent-strong, #b3262d); }
#co-max-warn { }