/* FIRECalcHub — static site styles */
:root{
  --navy:#1f2f4a;
  --navy-2:#243a5e;
  --gold:#e0b02f;
  --gold-dark:#c99a1c;
  --teal:#2a9d8f;
  --red:#d93c3c;
  --ink:#1c1c1c;
  --text:#4a4f57;
  --muted:#6c727c;
  --line:#e3e6eb;
  --soft:#eef0f4;
  --soft-2:#f7f8fa;
  --white:#fff;
  --radius:14px;
  --shadow:0 10px 35px rgba(16,30,54,.08);
  --container:1200px;
  --head:"Fraunces",Georgia,serif;
  --body:"DM Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--body);font-size:17px;line-height:1.7;color:var(--text);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-2);text-decoration-color:rgba(36,58,94,.35);text-underline-offset:3px}
a:hover{color:var(--gold-dark)}
h1,h2,h3,h4,h5{font-family:var(--head);color:var(--ink);line-height:1.2;margin:1.6em 0 .6em;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.5vw,3.1rem)}
h2{font-size:clamp(1.55rem,3vw,2.15rem)}
h3{font-size:1.35rem}
h4{font-size:1.15rem}
p{margin:0 0 1.1em}
ul,ol{padding-left:1.3em;margin:0 0 1.2em}
li{margin:.3em 0}
table{width:100%;border-collapse:collapse;margin:1.5em 0;font-size:.95em}
th,td{border:1px solid var(--line);padding:.7em .9em;text-align:left;vertical-align:top}
th{background:var(--soft);color:var(--ink)}
blockquote{margin:1.5em 0;padding:1em 1.4em;border-left:4px solid var(--gold);background:var(--soft-2);border-radius:0 10px 10px 0}
figure{margin:1.8em 0}
figure img{border-radius:12px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:.6em 1em;z-index:100}
.skip-link:focus{left:10px;top:10px}
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 20px}
.narrow{max-width:820px}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;font-family:var(--body);font-weight:700;font-size:16px;padding:.75em 1.4em;border-radius:6px;border:2px solid transparent;text-decoration:none;cursor:pointer;transition:.2s ease;line-height:1.2}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-dark);color:var(--navy)}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{background:var(--soft);color:var(--navy)}
.btn-outline{border-color:var(--gold);color:var(--navy);background:transparent}
.btn-outline:hover{background:var(--gold);color:var(--navy)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:78px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:var(--head);font-weight:700;font-size:22px;color:var(--navy)}
.logo img{height:52px;width:auto}
.logo .accent{color:var(--gold-dark)}
.main-nav ul{list-style:none;margin:0;padding:0;display:flex;gap:6px;align-items:center}
.main-nav li{position:relative;margin:0}
.main-nav a{display:flex;align-items:center;gap:4px;padding:10px 12px;text-decoration:none;color:var(--ink);text-transform:uppercase;font-size:15px;letter-spacing:.02em}
.main-nav a:hover,.main-nav a[aria-current="page"]{color:var(--gold-dark)}
.main-nav .has-sub>a::after{content:"";width:7px;height:7px;border-right:1.6px solid currentColor;border-bottom:1.6px solid currentColor;transform:rotate(45deg) translateY(-3px);margin-left:6px}
.main-nav .sub{position:absolute;top:100%;left:0;min-width:220px;background:#fff;box-shadow:var(--shadow);border-radius:10px;padding:8px;display:none;flex-direction:column;align-items:stretch;gap:0}
.main-nav .has-sub:hover .sub,.main-nav .has-sub:focus-within .sub{display:flex}
.main-nav .sub a{text-transform:none;font-size:15px;padding:9px 12px;border-radius:6px}
.main-nav .sub a:hover{background:var(--soft)}
.header-cta{flex-shrink:0}
.nav-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer;color:var(--navy)}
.nav-toggle svg{width:28px;height:28px}
@media(max-width:980px){
  .nav-toggle{display:block}
  .header-cta{display:none}
  .main-nav{position:fixed;inset:78px 0 0 0;background:#fff;padding:16px 20px 40px;overflow-y:auto;transform:translateX(100%);transition:transform .25s ease}
  .main-nav.open{transform:none}
  .main-nav ul{flex-direction:column;align-items:stretch;gap:0}
  .main-nav a{padding:14px 4px;border-bottom:1px solid var(--line);font-size:16px}
  .main-nav .sub{position:static;display:flex;box-shadow:none;padding:0 0 0 14px}
  .main-nav .has-sub>a::after{display:none}
  .main-nav .mobile-cta{display:block;margin-top:20px}
}
.main-nav .mobile-cta{display:none}
body.nav-open{overflow:hidden}

/* Hero (home) */
.hero{background:var(--navy-2);color:#fff;text-align:center;padding:110px 0 120px}
.hero .eyebrow{color:var(--gold);font-family:var(--head);font-weight:600;font-size:15px;margin:0 0 18px}
.hero h1{color:#fff;margin:0 auto 22px;max-width:820px;font-size:clamp(2.1rem,5vw,3.4rem)}
.hero h1 span{color:var(--gold)}
.hero p.lead{max-width:720px;margin:0 auto 34px;font-size:clamp(1.05rem,2vw,1.25rem);color:rgba(255,255,255,.9)}
.hero .actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* Page banner */
.page-banner{background:var(--navy-2);color:#fff;padding:64px 0 60px;text-align:center}
.page-banner h1{color:#fff;margin:0 auto;max-width:900px}
.page-banner .meta{margin-top:14px;color:rgba(255,255,255,.8);font-size:15px}
.page-banner .meta a{color:var(--gold)}
.breadcrumbs{font-size:14px;color:rgba(255,255,255,.75);margin-bottom:14px}
.breadcrumbs a{color:rgba(255,255,255,.9);text-decoration:none}
.breadcrumbs a:hover{color:var(--gold)}

/* Sections */
.section{padding:90px 0}
.section.soft{background:var(--soft)}
.section-head{text-align:center;max-width:720px;margin:0 auto 60px}
.section-head h2{margin:0 0 14px;font-size:clamp(1.9rem,4vw,2.8rem)}
.section-head p{font-size:1.15rem;color:var(--text);margin:0}

/* Icon cards */
.cards{display:grid;gap:32px;grid-template-columns:repeat(4,1fr)}
.cards.three{grid-template-columns:repeat(3,1fr)}
.card{position:relative;background:#fff;border:2px solid var(--gold);border-radius:var(--radius);padding:60px 26px 28px;display:flex;flex-direction:column;text-decoration:none;color:var(--text);transition:transform .2s ease,box-shadow .2s ease}
a.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);color:var(--text)}
.card .icon{position:absolute;top:-28px;left:24px;width:54px;height:54px;border:2px solid var(--gold);border-radius:10px;background:#fff;display:grid;place-items:center;color:var(--ink)}
.card .icon svg{width:30px;height:30px}
.card h3{margin:0 0 10px;font-size:1.3rem}
.card p{font-size:15.5px;margin:0 0 14px}
.card .ideal{font-weight:700;color:#444;margin-top:auto}
.card .more{margin-top:auto;padding-top:24px;font-weight:700;color:var(--ink)}
@media(max-width:1024px){.cards{grid-template-columns:repeat(2,1fr)}.cards.three{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.cards,.cards.three{grid-template-columns:1fr;gap:44px}.section{padding:64px 0}.hero{padding:80px 0 90px}}

/* FAQ accordion */
.faq{max-width:800px;margin:0 auto}
.faq details{background:#fff;border-left:3px solid var(--navy-2);border-radius:6px;box-shadow:0 2px 12px rgba(16,30,54,.05);margin-bottom:14px}
.faq summary{list-style:none;cursor:pointer;padding:18px 52px 18px 20px;font-family:var(--body);font-weight:700;color:var(--ink);font-size:1.08rem;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:22px;top:50%;width:10px;height:10px;border-right:2px solid var(--ink);border-bottom:2px solid var(--ink);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq .answer{padding:0 20px 18px}
.faq .answer p:last-child{margin-bottom:0}
.prose .faq{margin:1.5em 0}

/* Prose (articles & pages) */
.content-wrap{padding:60px 0 80px}
.prose{max-width:820px;margin:0 auto}
.prose>*:first-child{margin-top:0}
.prose h2{margin-top:1.8em}
.prose .featured{margin:0 0 2em}
.post-cta{background:var(--soft);border-radius:var(--radius);padding:28px;margin:2.5em 0 0;text-align:center}
.post-cta h3{margin:0 0 8px}
.post-cta p{margin:0 0 16px}

/* Blog grid */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .2s,transform .2s}
.post-card:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.post-card img{aspect-ratio:16/9;object-fit:cover;width:100%;background:var(--soft)}
.post-card .body{padding:22px;display:flex;flex-direction:column;flex:1}
.post-card .cat{font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:var(--gold-dark);font-weight:700}
.post-card h2{font-size:1.25rem;margin:.4em 0 .5em}
.post-card h2 a{color:var(--ink);text-decoration:none}
.post-card h2 a:hover{color:var(--gold-dark)}
.post-card p{font-size:15.5px;margin:0 0 14px}
.post-card time{margin-top:auto;font-size:14px;color:var(--muted)}
@media(max-width:1024px){.post-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.post-grid{grid-template-columns:1fr}}

/* Contact */
.form-embed{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;margin:1em 0 2em}
.form-embed iframe{display:block;width:100%;height:1040px;border:0}
.form-fallback{font-size:15px;color:var(--muted)}

/* Footer */
.site-footer{background:var(--soft);color:var(--text);font-size:15.5px}
.footer-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;padding:64px 0 50px}
.footer-top h3{margin:0 0 16px;font-size:1.45rem;color:#444}
.footer-top ul{list-style:none;padding:0;margin:0}
.footer-top li{margin:0 0 8px}
.footer-top a{color:var(--text);text-decoration:none}
.footer-top a:hover{color:var(--gold-dark)}
.footer-bottom{background:var(--navy-2);color:#fff;text-align:center;padding:22px 0;font-size:15px}
@media(max-width:900px){.footer-top{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.footer-top{grid-template-columns:1fr}}
.to-top{position:fixed;right:24px;bottom:24px;width:42px;height:42px;border:2px solid var(--gold);background:rgba(255,255,255,.9);color:var(--gold-dark);display:grid;place-items:center;border-radius:4px;opacity:0;pointer-events:none;transition:opacity .2s;z-index:40;cursor:pointer}
.to-top.show{opacity:1;pointer-events:auto}

/* 404 */
.notfound{text-align:center;padding:120px 0}
.notfound h1{font-size:5rem;margin:0;color:var(--navy-2)}