/* =========================================================
   401k Rollover Logan — "Trustworthy Modern" design system
   Plain CSS, no build step. Brand color + fonts are driven
   by the CSS variables below.
   Fonts: Fraunces (display) + Inter (UI/body) via Google Fonts,
   loaded from each page's <head> with system fallbacks.
   ========================================================= */

:root {
  --brand:        #1d4ed8;   /* primary actions / links */
  --brand-dark:   #1e3a8a;   /* hover shade */
  --brand-soft:   #e7edfb;   /* tinted chips / icon wells */
  --navy:         #0b1f3a;   /* deep navy — dark bands, footer */
  --navy-2:       #122c52;   /* lighter navy for gradients */
  --gold:         #d9a441;   /* warm accent — eyebrows, highlights */
  --ink:          #16233a;   /* body headings text */
  --ink-soft:     #49586e;   /* secondary text */
  --line:         #e2e8f2;   /* hairlines / borders */
  --bg:           #ffffff;
  --bg-alt:       #f5f8fc;   /* alternating section background */
  --bg-dark:      var(--navy);
  --max:          1160px;
  --radius:       14px;
  --radius-lg:    20px;
  --shadow-sm:    0 1px 2px rgba(11,31,58,.06), 0 2px 8px rgba(11,31,58,.05);
  --shadow-md:    0 2px 6px rgba(11,31,58,.06), 0 12px 32px rgba(11,31,58,.10);
  --shadow-lg:    0 4px 10px rgba(11,31,58,.08), 0 24px 60px rgba(11,31,58,.16);
  --font-head: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

/* keep in-page anchor targets clear of the sticky header */
section[id], [id="consult"] { scroll-margin-top: 84px; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  line-height: 1.7;
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

h1, h2, h3, h4 { font-family: var(--font-head); font-weight: 600; line-height: 1.15; color: var(--ink); letter-spacing: -.01em; }
h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.65rem, 3.5vw, 2.4rem); margin-bottom: .6em; }
h3 { font-size: 1.22rem; margin-bottom: .35em; line-height: 1.3; }
p  { margin-bottom: 1rem; color: var(--ink-soft); }
a  { color: var(--brand); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; height: auto; display: block; }

::selection { background: var(--brand-soft); }

/* ---------- buttons ---------- */
.btn {
  display: inline-block;
  background: var(--brand);
  color: #fff;
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 600;
  font-family: var(--font-body);
  font-size: 1rem;
  border: none;
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(29,78,216,.28), inset 0 1px 0 rgba(255,255,255,.15);
  transition: background .18s ease, transform .18s ease, box-shadow .18s ease;
}
.btn:hover {
  background: var(--brand-dark);
  text-decoration: none;
  transform: translateY(-1px);
  box-shadow: 0 6px 18px rgba(29,78,216,.35), inset 0 1px 0 rgba(255,255,255,.15);
}
.btn:active { transform: translateY(0); }
.btn--ghost { background: transparent; color: var(--brand); border: 2px solid currentColor; box-shadow: none; }
.btn--ghost:hover { background: var(--brand); border-color: var(--brand); color: #fff; }
.btn--lg { padding: 17px 36px; font-size: 1.05rem; }

.muted { color: var(--ink-soft); font-size: .9rem; }

/* ---------- header / nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: var(--bg);
  border-bottom: 1px solid var(--line);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px; padding: 14px 24px; max-width: var(--max); margin: 0 auto;
}
.nav__logo { display: flex; align-items: center; gap: 10px; font-family: var(--font-body); font-size: 1.05rem; font-weight: 700; color: var(--ink); letter-spacing: -.01em; }
.nav__logo:hover { text-decoration: none; color: var(--brand); }
.nav__mark { flex: none; transition: transform .18s ease; }
.nav__logo:hover .nav__mark { transform: rotate(-8deg); }
.nav__logo img { max-height: 46px; width: auto; }
.nav__links { display: flex; align-items: center; gap: 26px; list-style: none; }
.nav__links a { color: var(--ink); font-weight: 500; font-size: .95rem; }
.nav__links a:hover { color: var(--brand); text-decoration: none; }

/* dropdown for services */
.has-dropdown { position: relative; }
.has-dropdown > a::after { content: " \25BE"; font-size: .72em; color: var(--ink-soft); }
.dropdown {
  display: none; position: absolute; top: calc(100% + 10px); left: -12px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  min-width: 280px; padding: 8px; box-shadow: var(--shadow-lg);
}
/* invisible bridge so hover isn't lost travelling into the submenu */
.has-dropdown::after {
  content: ""; position: absolute; top: 100%; left: 0; right: 0; height: 14px; display: none;
}
.has-dropdown:hover::after { display: block; }
.has-dropdown:hover .dropdown { display: block; }
.dropdown li { list-style: none; }
.dropdown a { display: block; padding: 10px 14px; font-size: .92rem; border-radius: 8px; }
.dropdown a:hover { background: var(--bg-alt); color: var(--brand); }

.nav__call {
  background: var(--brand); color: #fff !important;
  padding: 10px 20px; border-radius: 999px; font-weight: 600;
  box-shadow: 0 2px 6px rgba(29,78,216,.28);
  transition: background .18s ease;
}
.nav__call:hover { background: var(--brand-dark); text-decoration: none; }

/* mobile nav toggle */
.nav__toggle { display: none; background: none; border: 0; font-size: 1.6rem; cursor: pointer; color: var(--ink); }
@media (max-width: 900px) {
  .nav__links { display: none; position: absolute; top: 100%; left: 0; right: 0;
    flex-direction: column; align-items: flex-start; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); padding: 10px 20px;
    box-shadow: var(--shadow-md); }
  .nav__links.open { display: flex; }
  .nav__links li { width: 100%; padding: 8px 0; }
  .dropdown { position: static; display: block; box-shadow: none; border: 0; padding: 4px 0 4px 14px; min-width: 0; }
  .has-dropdown::after { display: none !important; }
  .nav__toggle { display: block; }
}

/* ---------- hero ---------- */
.hero { position: relative; color: #fff; overflow: hidden; background: var(--navy); }
.hero__media { position: absolute; inset: 0; z-index: 0; }
.hero__media img { width: 100%; height: 100%; object-fit: cover; }
.hero::after {
  content: ""; position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(100deg, rgba(9,24,46,.92) 0%, rgba(11,31,58,.82) 45%, rgba(13,38,72,.55) 100%);
}
.hero__inner { position: relative; z-index: 2; max-width: var(--max); margin: 0 auto; padding: 96px 24px; }
/* doubled selector so `.hero p` can't override the pill's size */
.hero__eyebrow, .hero .hero__eyebrow, .lead-band .hero__eyebrow {
  display: inline-block; text-transform: uppercase; letter-spacing: .14em;
  font-size: .78rem; font-weight: 700; color: var(--gold);
  border: 1px solid rgba(217,164,65,.45); border-radius: 999px;
  padding: 6px 14px; background: rgba(217,164,65,.08); margin-bottom: 4px;
  max-width: 100%;
}
.hero h1 { color: #fff; margin: 14px 0 16px; max-width: 20ch; }
@media (max-width: 600px) {
  .hero__eyebrow, .hero .hero__eyebrow, .lead-band .hero__eyebrow { font-size: .66rem; letter-spacing: .1em; padding: 5px 12px; }
}
.hero p { color: rgba(255,255,255,.88); font-size: 1.12rem; max-width: 48ch; }
.hero__cta { margin-top: 28px; display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.hero__cta .btn--ghost { color: #fff !important; border-color: rgba(255,255,255,.7) !important; }
.hero__cta .btn--ghost:hover { background: #fff; color: var(--navy) !important; border-color: #fff !important; }

/* trust checklist (hero + elsewhere) */
.trust-list { list-style: none; margin: 22px 0 0; display: flex; flex-direction: column; gap: 10px; }
.trust-list li { display: flex; align-items: flex-start; gap: 10px; color: rgba(255,255,255,.92); font-size: .98rem; font-weight: 500; }
.trust-list li::before {
  content: "\2713"; flex: none; width: 22px; height: 22px; margin-top: 2px;
  border-radius: 50%; background: rgba(217,164,65,.18); color: var(--gold);
  font-size: .8rem; font-weight: 700; display: grid; place-items: center;
}

/* split hero with embedded form — on mobile the form follows the headline,
   with the trust list / call button after it */
.hero--form .hero__inner {
  display: grid; grid-template-columns: 1.05fr .95fr;
  grid-template-areas: "lead form" "extras form";
  column-gap: 56px; row-gap: 0; align-items: center;
  padding: 72px 24px 80px;
}
.hero__lead { grid-area: lead; align-self: end; }
.hero__extras { grid-area: extras; align-self: start; }
.hero--form .form-card { grid-area: form; }
@media (max-width: 960px) {
  .hero--form .hero__inner {
    grid-template-columns: 1fr;
    grid-template-areas: "lead" "form" "extras";
    row-gap: 32px; padding: 56px 24px 64px;
  }
}

/* ---------- sections ---------- */
.section { padding: 76px 0; }
.section--alt { background: var(--bg-alt); }
.section--dark { background: linear-gradient(140deg, var(--navy), var(--navy-2)); color: #fff; }
.section--dark h2, .section--dark h3 { color: #fff; }
.section--dark p { color: rgba(255,255,255,.82); }
.section__lead { max-width: 65ch; font-size: 1.04rem; }
.center { text-align: center; }
.center .section__lead { margin: 0 auto; }

.eyebrow {
  display: block; text-transform: uppercase; letter-spacing: .13em;
  font-size: .78rem; font-weight: 700; color: var(--brand); margin-bottom: 10px;
  font-family: var(--font-body);
}

/* two-column split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
@media (max-width: 800px) { .split { grid-template-columns: 1fr; gap: 32px; } }
.split__media img { border-radius: var(--radius-lg); box-shadow: var(--shadow-md); width: 100%; }

/* standalone photo band (restyled legacy image sections) */
.photo-band img {
  width: 100%; max-height: 440px; object-fit: cover;
  border-radius: var(--radius-lg); box-shadow: var(--shadow-md);
}

/* feature / why-us grid */
.grid { display: grid; gap: 24px; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 900px) { .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; } }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow-sm); position: relative;
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: #cdd9ec; }
.section--alt .card { background: #fff; }
.card h3 { margin-bottom: .45em; }
.card p:last-child { margin-bottom: 0; }
.card > a { font-weight: 600; }

/* numbered icon-well for card grids (added by JS where data allows) */
.card__icon {
  width: 44px; height: 44px; border-radius: 12px; margin-bottom: 16px;
  background: var(--brand-soft); color: var(--brand);
  display: grid; place-items: center; font-weight: 700; font-size: 1.05rem;
  font-family: var(--font-body);
}

/* service / area link list */
.linklist { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; list-style: none; }
@media (max-width: 800px) { .linklist { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 500px) { .linklist { grid-template-columns: 1fr; } }
.linklist a {
  display: block; padding: 15px 20px; border: 1px solid var(--line);
  border-radius: var(--radius); background: #fff; color: var(--ink); font-weight: 600;
  font-size: .95rem; box-shadow: var(--shadow-sm);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease, color .18s ease;
}
.linklist a:hover { border-color: var(--brand); color: var(--brand); text-decoration: none; transform: translateY(-2px); box-shadow: var(--shadow-md); }

/* cost table */
.table-wrap { overflow-x: auto; border-radius: var(--radius); box-shadow: var(--shadow-sm); }
table { width: 100%; border-collapse: collapse; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
th, td { text-align: left; padding: 15px 20px; border-bottom: 1px solid var(--line); font-size: .96rem; }
th { background: var(--navy); font-family: var(--font-body); font-weight: 600; color: #fff; letter-spacing: .02em; }
tr:last-child td { border-bottom: 0; }
tbody tr:nth-child(even) { background: var(--bg-alt); }

/* FAQ */
.faq details {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 4px 24px; margin-bottom: 12px; box-shadow: var(--shadow-sm);
  transition: border-color .2s ease, box-shadow .2s ease;
}
.faq details[open] { border-color: #cdd9ec; box-shadow: var(--shadow-md); }
.faq summary { cursor: pointer; font-weight: 600; font-family: var(--font-body); font-size: 1.04rem; padding: 18px 28px 18px 0; list-style: none; position: relative; color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 0; top: 50%; transform: translateY(-50%);
  width: 28px; height: 28px; border-radius: 50%; background: var(--brand-soft); color: var(--brand);
  display: grid; place-items: center; font-size: 1.15rem; line-height: 1; font-weight: 500;
  transition: transform .2s ease, background .2s ease, color .2s ease;
}
.faq details[open] summary::after { content: "\2013"; background: var(--brand); color: #fff; }
.faq details > p { padding-bottom: 18px; margin-bottom: 0; }

/* CTA band */
.cta-band {
  background: linear-gradient(120deg, var(--navy) 0%, var(--navy-2) 55%, #17407e 100%);
  color: #fff; text-align: center; padding: 72px 24px; position: relative; overflow: hidden;
}
.cta-band::before {
  content: ""; position: absolute; inset: -40% -20%;
  background: radial-gradient(600px 300px at 80% 20%, rgba(217,164,65,.14), transparent 60%);
  pointer-events: none;
}
.cta-band > .wrap { position: relative; }
.cta-band h2 { color: #fff; }
.cta-band p { color: rgba(255,255,255,.9); max-width: 60ch; margin-left: auto; margin-right: auto; }
.cta-band a:not(.btn) { color: var(--gold); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }
.cta-band .btn { background: #fff; color: var(--navy); box-shadow: 0 4px 14px rgba(0,0,0,.25); }
.cta-band .btn:hover { background: var(--gold); color: var(--navy); }

/* ---------- forms ---------- */
.form-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 32px; box-shadow: var(--shadow-lg); color: var(--ink);
}
/* extra-specific so .hero p / .lead-band p can't repaint card text white */
.form-card p, .hero .form-card p, .lead-band .form-card p { color: var(--ink-soft); font-size: 1rem; max-width: none; }
.form-card .form-card__title { font-family: var(--font-head); font-size: 1.35rem; margin-bottom: 4px; color: var(--ink); }
.form-card .form-card__sub { font-size: .92rem; color: var(--ink-soft); margin-bottom: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 600px) { .form-row { grid-template-columns: 1fr; } }
.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 600; font-size: .88rem; margin-bottom: 6px; color: var(--ink); }
.field input, .field textarea, .field select {
  width: 100%; padding: 13px 15px; border: 1px solid var(--line); border-radius: 10px;
  font-family: var(--font-body); font-size: 1rem; color: var(--ink); background: #fff;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field input:focus, .field textarea:focus, .field select:focus {
  outline: none; border-color: var(--brand); box-shadow: 0 0 0 3px rgba(29,78,216,.14);
}
.field textarea { min-height: 120px; resize: vertical; }
.form-card .form-note { font-size: .8rem; color: var(--ink-soft); margin: 12px 0 0; text-align: center; }

/* --- multi-step lead form (wizard) --- */
.lead-form .lf-progress {
  height: 6px; border-radius: 999px; background: var(--brand-soft);
  margin-bottom: 8px; overflow: hidden;
}
.lead-form .lf-bar {
  display: block; height: 100%; width: 33.4%; border-radius: 999px;
  background: linear-gradient(90deg, var(--brand), #3b74f0);
  transition: width .3s ease;
}
.lead-form .lf-steplabel { font-size: .78rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--ink-soft); margin-bottom: 16px; }
.lead-form fieldset { border: 0; display: none; }
.lead-form fieldset.active { display: block; animation: lf-in .28s ease; }
@keyframes lf-in { from { opacity: 0; transform: translateX(10px); } to { opacity: 1; transform: none; } }
.lead-form legend { font-family: var(--font-head); font-size: 1.28rem; font-weight: 600; color: var(--ink); margin-bottom: 14px; line-height: 1.3; }
.lf-choices { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
@media (max-width: 480px) { .lf-choices { grid-template-columns: 1fr; } }
.lf-choices label {
  display: flex; align-items: center; gap: 10px; cursor: pointer;
  border: 1.5px solid var(--line); border-radius: 12px; padding: 13px 15px;
  font-weight: 500; font-size: .95rem; color: var(--ink); background: #fff;
  transition: border-color .15s ease, background .15s ease, box-shadow .15s ease;
}
.lf-choices label:hover { border-color: var(--brand); box-shadow: var(--shadow-sm); }
.lf-choices input { accent-color: var(--brand); width: 17px; height: 17px; flex: none; }
.lf-choices input:checked + span { color: var(--brand); font-weight: 600; }
.lf-choices label:has(input:checked) { border-color: var(--brand); background: var(--brand-soft); }
.lf-nav { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.lf-back {
  background: none; border: 0; color: var(--ink-soft); font-weight: 600; font-size: .92rem;
  cursor: pointer; padding: 10px 6px; font-family: var(--font-body); display: none;
}
.lf-back:hover { color: var(--brand); }
.lf-back.show { display: inline-block; margin-top: 14px; }
.lead-form .btn[type="submit"] { width: 100%; }

/* compact lead band (bottom of service/city pages) */
.lead-band {
  background: linear-gradient(120deg, var(--navy) 0%, var(--navy-2) 55%, #17407e 100%);
  color: #fff; padding: 76px 0; position: relative; overflow: hidden;
}
.lead-band::before {
  content: ""; position: absolute; inset: -40% -20%;
  background: radial-gradient(700px 340px at 15% 10%, rgba(217,164,65,.13), transparent 60%);
  pointer-events: none;
}
.lead-band .wrap { position: relative; display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
@media (max-width: 900px) { .lead-band .wrap { grid-template-columns: 1fr; gap: 36px; } }
.lead-band h2 { color: #fff; }
.lead-band p { color: rgba(255,255,255,.88); }
.lead-band a:not(.btn) { color: var(--gold); font-weight: 600; }
.lead-band .trust-list li { color: rgba(255,255,255,.9); }

/* ---------- concept animations ---------- */
/* animated explainer diagram (direct rollover flow) */
.diagram-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 30px 28px 18px; box-shadow: var(--shadow-sm); margin-top: 36px; overflow-x: auto;
}
.diagram-card h3 { margin-bottom: 2px; }
.diagram-card > p { font-size: .95rem; max-width: 72ch; }
.diagram-card svg { display: block; width: 100%; height: auto; min-width: 640px; margin-top: 6px; }
.flow-node { fill: var(--bg-alt); stroke: #cdd9ec; stroke-width: 1.5; }
.flow-node--accent { fill: var(--navy); stroke: none; }
.flow-label { font-family: var(--font-body); font-size: 16px; font-weight: 600; fill: var(--ink); }
.flow-label--light { fill: #fff; }
.flow-small { font-family: var(--font-body); font-size: 13px; font-weight: 500; fill: var(--ink-soft); }
.flow-kicker { font-family: var(--font-body); font-size: 11.5px; font-weight: 700; fill: #b07f24; letter-spacing: .12em; }
.flow-warn { font-family: var(--font-body); font-size: 12.5px; font-weight: 600; fill: #b45309; }
.flow-path { stroke: var(--gold); stroke-width: 3; fill: none; stroke-linecap: round; }
.flow-path--muted { stroke: #b6c2d4; stroke-width: 2; stroke-dasharray: 6 7; fill: none; }
.flow-dot { fill: var(--gold); }
.flow-dot--muted { fill: #94a3b8; }
@media (prefers-reduced-motion: no-preference) {
  [data-animate].play .flow-path { stroke-dasharray: 100 100; stroke-dashoffset: 100; animation: flow-draw 1.4s ease forwards .15s; }
}
@keyframes flow-draw { to { stroke-dashoffset: 0; } }
@media (prefers-reduced-motion: reduce) { .flow-dot, .flow-dot--muted { display: none; } }

/* how-it-works steps (dark band) */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 40px; position: relative; }
@media (max-width: 800px) { .steps { grid-template-columns: 1fr; } }
.steps::before {
  content: ""; position: absolute; top: 49px; left: 7%; right: 7%; height: 2px;
  background: rgba(217,164,65,.4);
}
@media (max-width: 800px) { .steps::before { display: none; } }
.step {
  background: rgba(255,255,255,.055); border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius); padding: 26px; position: relative;
}
.step h3 { color: #fff; font-size: 1.12rem; }
.step p { color: rgba(255,255,255,.8); font-size: .95rem; margin-bottom: 0; }
.step__num {
  width: 44px; height: 44px; border-radius: 50%; background: var(--gold); color: var(--navy);
  font-weight: 700; font-size: 1.15rem; display: grid; place-items: center;
  margin-bottom: 16px; font-family: var(--font-body); box-shadow: 0 0 0 6px rgba(217,164,65,.15);
}
@media (prefers-reduced-motion: no-preference) {
  [data-animate] .steps::before { transform: scaleX(0); transform-origin: left; }
  [data-animate].play .steps::before { transform: scaleX(1); transition: transform 1.3s ease .15s; }
  [data-animate] .step { opacity: 0; transform: translateY(24px); }
  [data-animate].play .step { animation: step-in .6s ease forwards; }
  [data-animate].play .step:nth-child(2) { animation-delay: .3s; }
  [data-animate].play .step:nth-child(3) { animation-delay: .6s; }
}
@keyframes step-in { to { opacity: 1; transform: none; } }

/* hero entrance + ambient glow drift */
@media (prefers-reduced-motion: no-preference) {
  .hero--form .hero__lead > * { opacity: 0; animation: fade-up .7s ease forwards; }
  .hero--form .hero__lead > :nth-child(2) { animation-delay: .12s; }
  .hero--form .hero__lead > :nth-child(3) { animation-delay: .24s; }
  .hero--form .form-card { opacity: 0; animation: fade-up .8s ease .35s forwards; }
  .hero--form .hero__extras { opacity: 0; animation: fade-up .7s ease .5s forwards; }
  .lead-band::before, .cta-band::before { animation: glow-drift 16s ease-in-out infinite alternate; }
}
@keyframes fade-up { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: none; } }
@keyframes glow-drift { from { transform: translate3d(0,0,0); } to { transform: translate3d(-4%,3%,0); } }

/* ---------- scroll reveal (JS adds .reveal; CSS animates .in) ---------- */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
  .btn, .card, .linklist a { transition: none; }
}

/* ---------- footer ---------- */
.site-footer { background: var(--navy); color: rgba(255,255,255,.78); padding: 64px 0 28px; }
.site-footer h4 { color: #fff; margin-bottom: 16px; font-family: var(--font-body); font-size: .92rem; letter-spacing: .08em; text-transform: uppercase; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; }
@media (max-width: 800px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 10px; }
.site-footer a { color: rgba(255,255,255,.78); font-size: .93rem; }
.site-footer a:hover { color: var(--gold); text-decoration: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.14); margin-top: 44px; padding-top: 22px; font-size: .85rem; color: rgba(255,255,255,.5); }
.footer-disclaimer { font-size: .82rem; color: rgba(255,255,255,.5); margin-top: 10px; line-height: 1.5; }

/* phone link — stable hook for WhatConverts dynamic number insertion */
.wc-phone { font-weight: 700; }

/* =========================================================
   Calculator & tool components
   ========================================================= */
.calc {
  display: grid; grid-template-columns: .9fr 1.1fr; gap: 0;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); overflow: hidden; margin-top: 34px;
}
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } }
.calc__inputs { padding: 34px 32px; border-right: 1px solid var(--line); }
@media (max-width: 860px) { .calc__inputs { border-right: 0; border-bottom: 1px solid var(--line); } }
.calc__inputs h3 { font-size: 1.05rem; margin-bottom: 18px; }
.calc__results { padding: 34px 32px; background: var(--bg-alt); position: relative; }
.calc-output--empty > * { opacity: .25; pointer-events: none; filter: saturate(.4); }
.calc-output { transition: opacity .25s ease; }

.calc-big { margin-bottom: 6px; }
.calc-big strong {
  display: block; font-family: var(--font-head); font-weight: 700;
  font-size: clamp(2rem, 4.5vw, 2.9rem); color: var(--navy); line-height: 1.05;
  font-variant-numeric: tabular-nums;
}
.calc-big span { font-size: .92rem; font-weight: 600; color: var(--ink-soft); }
.calc-big--good strong { color: #14713d; }

.calc-rows { margin-top: 20px; border-top: 1px solid var(--line); }
.calc-row {
  display: flex; justify-content: space-between; align-items: baseline; gap: 16px;
  padding: 11px 0; border-bottom: 1px solid var(--line); font-size: .95rem;
}
.calc-row span { color: var(--ink-soft); }
.calc-row strong { color: var(--ink); font-variant-numeric: tabular-nums; white-space: nowrap; }
.calc-row--total { border-top: 2px solid var(--navy); }
.calc-row--total span, .calc-row--total strong { color: var(--navy); font-weight: 700; }
.calc-row--sub { padding: 7px 0 7px 16px; font-size: .88rem; border-bottom: 1px dashed var(--line); }

.calc-chip {
  display: inline-block; padding: 5px 13px; border-radius: 999px;
  font-size: .82rem; font-weight: 700; letter-spacing: .01em; white-space: nowrap;
}
.calc-chip--ok   { background: #e5f4ea; color: #14713d; }
.calc-chip--warn { background: #fdf1dc; color: #92600a; }
.calc-chip--bad  { background: #fde8e8; color: #b42323; }

.calc-verdict {
  border-radius: var(--radius); padding: 16px 20px; margin-top: 16px;
  font-size: .95rem; line-height: 1.6; border: 1px solid;
}
.calc-verdict p { margin: 0; color: inherit; }
.calc-verdict--ok   { background: #e5f4ea; border-color: #bfe3cc; color: #14572f; }
.calc-verdict--warn { background: #fdf1dc; border-color: #f3ddb0; color: #6e4a08; }
.calc-verdict--info { background: var(--brand-soft); border-color: #cbd9f5; color: #1e3a76; }

.calc-note { font-size: .82rem; color: var(--ink-soft); margin-top: 18px; line-height: 1.55; }
.calc-note a { font-weight: 600; }

/* comparison bars */
.calc-bars { margin-top: 20px; display: grid; gap: 14px; }
.calc-bar__label { display: flex; justify-content: space-between; font-size: .88rem; font-weight: 600; color: var(--ink); margin-bottom: 5px; }
.calc-bar__track { height: 14px; border-radius: 999px; background: #e6ecf5; overflow: hidden; }
.calc-bar__fill { display: block; height: 100%; border-radius: 999px; background: linear-gradient(90deg, var(--brand), #3b74f0); transition: width .45s cubic-bezier(.2,.7,.3,1); }
.calc-bar__fill--gold { background: linear-gradient(90deg, #c8922e, var(--gold)); }
.calc-bar__fill--muted { background: #94a3b8; }

/* range slider */
input[type=range] { width: 100%; accent-color: var(--brand); }
.range-value { font-weight: 700; color: var(--brand); font-variant-numeric: tabular-nums; }

/* options-checker question groups + result cards */
.oc-question { margin-bottom: 22px; }
.oc-question > p { font-weight: 600; color: var(--ink); font-size: .95rem; margin-bottom: 10px; }
.option-card { background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--line); border-radius: var(--radius); padding: 20px 22px; margin-bottom: 14px; box-shadow: var(--shadow-sm); }
.option-card--yes   { border-left-color: #2e9e5b; }
.option-card--maybe { border-left-color: var(--gold); }
.option-card--no    { border-left-color: #d16060; }
.option-card__head { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; margin-bottom: 8px; }
.option-card__head h4 { font-size: 1.05rem; margin: 0; }
.option-card p { font-size: .93rem; margin: 0; }

/* lost-401k wizard */
.wizard-progress { position: sticky; top: 76px; z-index: 5; background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 10px 20px; display: flex; align-items: center; gap: 16px; box-shadow: var(--shadow-md); margin-bottom: 28px; }
.wizard-progress__track { flex: 1; height: 8px; border-radius: 999px; background: var(--brand-soft); overflow: hidden; }
.wizard-progress__bar { display: block; height: 100%; width: 0; border-radius: 999px; background: linear-gradient(90deg, var(--brand), #3b74f0); transition: width .35s ease; }
.wizard-progress strong { font-size: .88rem; white-space: nowrap; color: var(--ink); }
.wizard-step { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px 26px; margin-bottom: 16px; box-shadow: var(--shadow-sm); transition: border-color .2s ease, background .2s ease; }
.wizard-step--done { border-color: #bfe3cc; background: #f7fcf9; }
.wizard-step__head { display: flex; align-items: flex-start; gap: 14px; }
.wizard-step__head input { width: 22px; height: 22px; flex: none; margin-top: 4px; accent-color: #2e9e5b; cursor: pointer; }
.wizard-step__head h3 { margin: 0 0 4px; font-size: 1.12rem; }
.wizard-step__num { font-family: var(--font-body); font-weight: 700; color: var(--gold); font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; }
.wizard-step p { font-size: .95rem; margin-bottom: .6rem; }
.wizard-step p:last-child { margin-bottom: 0; }
.wizard-step--done h3 { text-decoration: line-through; text-decoration-color: #2e9e5b55; }

/* fact/stat callouts for content pages */
.fact-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin: 32px 0 8px; }
@media (max-width: 800px) { .fact-strip { grid-template-columns: 1fr; } }
.fact { background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: var(--radius); padding: 20px 22px; box-shadow: var(--shadow-sm); }
.fact strong { display: block; font-family: var(--font-head); font-size: 1.6rem; color: var(--navy); line-height: 1.1; margin-bottom: 4px; font-variant-numeric: tabular-nums; }
.fact span { font-size: .9rem; color: var(--ink-soft); line-height: 1.5; display: block; }

/* comparison table helpers */
.table-wrap--sticky td:first-child, .table-wrap--sticky th:first-child { position: sticky; left: 0; background: inherit; }
.table-wrap--sticky th:first-child { background: var(--navy); }
.table-wrap--sticky tbody tr:nth-child(odd) td:first-child { background: #fff; }
.table-wrap--sticky tbody tr:nth-child(even) td:first-child { background: var(--bg-alt); }
td .yes { color: #14713d; font-weight: 700; }
td .no { color: #b42323; font-weight: 700; }
td .dep { color: #92600a; font-weight: 700; }
.table-caption { font-size: .82rem; color: var(--ink-soft); margin-top: 10px; }

/* sources / citations block (GEO trust signal) */
.sources { border-top: 1px solid var(--line); margin-top: 40px; padding-top: 20px; }
.sources h3 { font-size: .85rem; text-transform: uppercase; letter-spacing: .1em; color: var(--ink-soft); font-family: var(--font-body); }
.sources ul { list-style: none; margin-top: 10px; }
.sources li { font-size: .86rem; color: var(--ink-soft); margin-bottom: 6px; }
.tool-disclaimer { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 20px; font-size: .84rem; color: var(--ink-soft); margin-top: 26px; line-height: 1.6; }

/* =========================================================
   "Four Options" comparison table (homepage)
   ========================================================= */
.cmp-wrap { overflow-x: auto; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); border: 1px solid var(--line); position: relative; }
.cmp { width: 100%; min-width: 920px; border-collapse: separate; border-spacing: 0; background: #fff; }

/* column headers */
.cmp thead th {
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
  color: #fff; text-align: center; vertical-align: top;
  padding: 22px 14px 18px; border-bottom: 0; border-left: 1px solid rgba(255,255,255,.08);
  box-shadow: inset 0 3px 0 var(--gold);
}
.cmp thead th:first-child { box-shadow: none; border-left: 0; min-width: 218px; }
.cmp thead th.cmp-warn { box-shadow: inset 0 3px 0 #d16060; }
.cmp thead th.cmp-warn .cmp-ico { background: rgba(209,96,96,.18); color: #f3b0b0; }
.cmp-ico {
  width: 40px; height: 40px; border-radius: 50%; margin: 0 auto 10px;
  background: rgba(217,164,65,.16); color: var(--gold);
  display: grid; place-items: center;
}
.cmp-ico svg { width: 20px; height: 20px; }
.cmp thead strong { display: block; font-family: var(--font-head); font-weight: 600; font-size: 1.06rem; letter-spacing: .01em; line-height: 1.25; }
.cmp thead em { display: block; font-style: normal; font-size: .76rem; font-weight: 500; color: rgba(255,255,255,.65); margin-top: 3px; letter-spacing: .02em; }

/* body */
.cmp tbody td { padding: 16px 14px; text-align: center; vertical-align: top; border-bottom: 1px solid var(--line); border-left: 1px solid #eef2f8; font-size: .9rem; }
.cmp tbody td:first-child { text-align: left; border-left: 0; padding-left: 22px; }
.cmp tbody tr:last-child td { border-bottom: 0; }
.cmp tbody tr:nth-child(even) td { background: #f8fafd; }
.cmp tbody tr:hover td { background: #f1f6fd; }

/* sticky rule column */
.cmp td:first-child, .cmp th:first-child { position: sticky; left: 0; z-index: 2; }
.cmp tbody td:first-child { background: #fff; box-shadow: 4px 0 10px -6px rgba(11,31,58,.18); }
.cmp tbody tr:nth-child(even) td:first-child { background: #f8fafd; }
.cmp tbody tr:hover td:first-child { background: #f1f6fd; }
.cmp-rule strong { display: block; font-size: .93rem; color: var(--ink); line-height: 1.35; }
.cmp-rule span { display: block; font-size: .76rem; color: var(--ink-soft); margin-top: 3px; line-height: 1.45; font-weight: 400; }

/* verdict chips */
.cmp-chip {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 5px 12px; border-radius: 999px; font-size: .8rem; font-weight: 700; white-space: nowrap;
}
.cmp-chip b { font-weight: 800; font-size: .85rem; line-height: 1; }
.cmp-chip--yes { background: #e5f4ea; color: #14713d; }
.cmp-chip--no  { background: #fde8e8; color: #b42323; }
.cmp-chip--dep { background: #fdf1dc; color: #92600a; }
.cmp-chip--mut { background: #eef2f8; color: #49586e; font-weight: 600; }
.cmp-note { display: block; font-size: .76rem; color: var(--ink-soft); margin-top: 6px; line-height: 1.4; }
.cmp-dash { color: #b6c2d4; font-weight: 700; font-size: 1rem; }

@media (max-width: 700px) { .cmp-hint { display: block; } }
.cmp-hint { display: none; text-align: center; font-size: .78rem; color: var(--ink-soft); margin-top: 10px; }
.cmp-hint::before { content: "\2194\00a0 "; color: var(--gold); font-weight: 700; }
.cmp--narrow { min-width: 720px; }

/* polished direct-rollover diagram */
.flow-node { fill: #fff; stroke: #dbe4f0; stroke-width: 1.5; }
.flow-sub { font-family: var(--font-body); font-size: 12.5px; font-weight: 500; fill: var(--ink-soft); }
.flow-sub--light { fill: rgba(255,255,255,.62); }
.flow-warnsub { font-family: var(--font-body); font-size: 12px; font-weight: 600; fill: #92600a; }
.flow-kicker--warn { fill: #b45309; }
@media (prefers-reduced-motion: no-preference) {
  [data-animate].play .flow-path--muted { animation: flow-fade-in .8s ease 1.1s backwards; }
}
@keyframes flow-fade-in { from { opacity: 0; } }
