/* Apollo Advising
   Tokens: paper #FFFFFF, mist #F5F5F7, line #D9D9DE, ink #1D1D1F, graphite #6E6E73, oxblood #5B0F1A (brand, from the Apollo mark) */
:root {
  --paper: #ffffff;
  --mist: #f5f5f7;
  --line: #d9d9de;
  --ink: #1d1d1f;
  --graphite: #6e6e73;
  --oxblood: #5b0f1a;
  --oxblood-soft: #f6eef0;
  --rose: #d07a89;
  --measure: 40rem;
  --wide: 72rem;
  --font: "Instrument Sans", "Helvetica Neue", Helvetica, Arial, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { animation: none !important; transition: none !important; } }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font);
  font-size: 1.125rem;
  line-height: 1.6;
  font-feature-settings: "ss01", "cv11";
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
:focus-visible { outline: 2px solid var(--oxblood); outline-offset: 3px; border-radius: 4px; }
.skip { position: absolute; left: -999px; top: 0; background: var(--ink); color: #fff; padding: .6rem 1rem; z-index: 10; }
.skip:focus { left: 1rem; }

/* Layout */
.wrap { width: min(100% - 2.5rem, var(--wide)); margin-inline: auto; }
.prose { width: min(100% - 2.5rem, var(--measure)); margin-inline: auto; }
.band { padding-block: clamp(4.5rem, 10vw, 8rem); }
.band--mist { background: var(--mist); }

/* Header */
.top { position: sticky; top: 0; z-index: 5; background: rgba(255,255,255,.86); backdrop-filter: saturate(180%) blur(16px); -webkit-backdrop-filter: saturate(180%) blur(16px); border-bottom: 1px solid transparent; transition: border-color .2s; }
.top.scrolled { border-bottom-color: var(--line); }
.top__in { display: flex; align-items: center; justify-content: space-between; height: 4rem; gap: 1.5rem; }
.brand { display: flex; align-items: center; gap: .6rem; text-decoration: none; font-weight: 600; letter-spacing: -.01em; font-size: 1.05rem; }
.brand img { width: 34px; height: 34px; object-fit: contain; flex: none; }
.nav { display: flex; align-items: center; gap: 1.75rem; font-size: .95rem; }
.nav a { text-decoration: none; color: var(--graphite); }
.nav a:hover, .nav a[aria-current="page"] { color: var(--ink); }
.nav .btn { color: #fff; }
.menu-toggle { display: none; background: none; border: 0; font: inherit; font-size: .95rem; padding: .5rem 0; cursor: pointer; color: var(--ink); }
@media (max-width: 900px) {
  .menu-toggle { display: block; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 4rem; background: var(--paper); flex-direction: column; align-items: stretch; gap: 0; padding: .5rem 1.25rem 1.25rem; border-bottom: 1px solid var(--line); }
  .nav.open { display: flex; }
  .nav a { padding: .85rem 0; border-bottom: 1px solid var(--mist); font-size: 1.05rem; color: var(--ink); }
  .nav .btn { margin-top: 1rem; text-align: center; border-bottom: 0; }
}

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 44px; padding: .7rem 1.4rem; border-radius: 999px; background: var(--ink); color: #fff; text-decoration: none; font-weight: 600; font-size: 1rem; border: 1px solid var(--ink); cursor: pointer; font-family: inherit; transition: background .15s, color .15s; }
.btn:hover { background: var(--oxblood); border-color: var(--oxblood); }
.btn--quiet { background: transparent; color: var(--ink); }
.btn--quiet:hover { background: var(--ink); color: #fff; border-color: var(--ink); }
.btn--small { min-height: 36px; padding: .45rem 1rem; font-size: .9rem; }
.link { color: var(--oxblood); text-decoration: underline; text-underline-offset: .2em; text-decoration-thickness: 1px; font-weight: 500; }
.actions { display: flex; flex-wrap: wrap; gap: .75rem; align-items: center; }

/* Type */
h1, h2, h3 { font-weight: 600; letter-spacing: -.025em; line-height: 1.08; margin: 0; }
h1 { font-size: clamp(2.6rem, 7.2vw, 5.4rem); letter-spacing: -.04em; }
h2 { font-size: clamp(2rem, 4.4vw, 3.2rem); }
h3 { font-size: 1.3rem; letter-spacing: -.015em; line-height: 1.25; }
p { margin: 0 0 1.1em; }
.lede { font-size: clamp(1.2rem, 2vw, 1.45rem); line-height: 1.5; color: var(--graphite); max-width: 36em; }
.muted { color: var(--graphite); }
.small { font-size: .9rem; line-height: 1.55; }

/* Hero: the questions are the design */
.hero { padding-block: clamp(4rem, 9vw, 7.5rem) clamp(3rem, 6vw, 5rem); }
.hero h1 { max-width: 11em; }
.hero .lede { margin-top: 1.5rem; }
.hero .actions { margin-top: 2.25rem; }
.trust { margin-top: 1.75rem; color: var(--graphite); font-size: .95rem; display: flex; flex-wrap: wrap; gap: .4rem 1.5rem; padding: 0; list-style: none; }

.questions { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line); }
.questions li { border-bottom: 1px solid var(--line); }
.questions a { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 22rem); gap: .5rem 2.5rem; align-items: baseline; padding: clamp(1.4rem, 3vw, 2.1rem) 0; text-decoration: none; }
.questions .q { font-size: clamp(1.75rem, 4.2vw, 3.25rem); font-weight: 600; letter-spacing: -.035em; line-height: 1.05; transition: color .15s, transform .25s; }
.questions .a { color: var(--graphite); font-size: 1rem; line-height: 1.5; }
.questions a:hover .q { color: var(--oxblood); transform: translateX(.35rem); }
@media (max-width: 760px) { .questions a { grid-template-columns: 1fr; } }

.load-in { opacity: 0; transform: translateY(14px); animation: rise .7s cubic-bezier(.2,.7,.2,1) forwards; }
.load-in:nth-child(2) { animation-delay: .06s; } .load-in:nth-child(3) { animation-delay: .12s; } .load-in:nth-child(4) { animation-delay: .18s; } .load-in:nth-child(5) { animation-delay: .24s; } .load-in:nth-child(6) { animation-delay: .3s; }
@keyframes rise { to { opacity: 1; transform: none; } }

/* Section heads */
.head { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 1rem 3rem; align-items: end; margin-bottom: clamp(2.5rem, 5vw, 4rem); }
.head p { margin: 0; color: var(--graphite); font-size: 1.15rem; }
@media (max-width: 760px) { .head { grid-template-columns: 1fr; } }

/* Audience */
.cols { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 2.5rem; }
.cols h3 { margin-bottom: .6rem; }
.cols p { color: var(--graphite); margin: 0; }
@media (max-width: 860px) { .cols { grid-template-columns: 1fr; gap: 2rem; } }

/* Steps (a real sequence) */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 2.5rem; counter-reset: s; }
.steps li { counter-increment: s; border-top: 2px solid var(--ink); padding-top: 1.25rem; }
.steps li::before { content: counter(s); display: block; font-weight: 600; font-size: .95rem; color: var(--oxblood); margin-bottom: .75rem; }
.steps h3 { margin-bottom: .5rem; }
.steps p { color: var(--graphite); margin: 0; }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr; } }

/* Pricing */
.price-row { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: 20px; overflow: hidden; }
.price { background: var(--paper); padding: 2rem; display: flex; flex-direction: column; gap: .4rem; }
.price .amt { font-size: clamp(2.6rem, 5vw, 3.6rem); font-weight: 600; letter-spacing: -.04em; line-height: 1; margin: .4rem 0 .25rem; }
.price .amt span { font-size: 1rem; font-weight: 500; color: var(--graphite); letter-spacing: 0; margin-left: .25rem; }
.price p { color: var(--graphite); margin: 0 0 1.25rem; font-size: 1rem; }
.price .btn { margin-top: auto; align-self: flex-start; }
.price--feature { background: var(--ink); color: #fff; }
.price--feature p, .price--feature .amt span { color: #b9b9be; }
.price--feature .btn { background: #fff; color: var(--ink); border-color: #fff; }
.price--feature .btn:hover { background: var(--oxblood-soft); }
@media (max-width: 860px) { .price-row { grid-template-columns: 1fr; } }
.fine { margin-top: 1.5rem; color: var(--graphite); font-size: .95rem; max-width: 46rem; }

/* About */
.about { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: clamp(2rem, 6vw, 5rem); align-items: center; }
.about img { border-radius: 20px; aspect-ratio: 4 / 5; object-fit: cover; width: 100%; background: var(--mist); }
@media (max-width: 860px) { .about { grid-template-columns: 1fr; } .about img { max-width: 22rem; } }

/* FAQ */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 1.4rem 2.5rem 1.4rem 0; font-weight: 600; font-size: 1.2rem; letter-spacing: -.01em; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: .3rem; top: 50%; width: .7rem; height: .7rem; border-right: 2px solid var(--graphite); border-bottom: 2px solid var(--graphite); transform: translateY(-70%) rotate(45deg); transition: transform .2s; }
.faq details[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.faq .ans { padding: 0 0 1.5rem; color: #3a3a3c; max-width: 44rem; }
.faq-group { margin-top: 3.5rem; }
.faq-group h2 { font-size: clamp(1.5rem, 3vw, 2rem); margin-bottom: 1.25rem; }

/* Affiliates */
.firms { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 3rem; border-top: 1px solid var(--line); }
.firm { padding: 1.4rem 0; border-bottom: 1px solid var(--line); }
.firms__label { font-size: .95rem; font-weight: 600; color: var(--graphite); margin: 2.25rem 0 .75rem; }
.firm h4 { font-size: 1.1rem; margin: 0 0 .35rem; }
.firm h4 a { display: inline-block; padding: .3rem 0; color: inherit; text-decoration: underline; text-decoration-color: var(--line); text-underline-offset: .2em; }
.firm h4 a:hover, .firm h4 a:focus-visible { text-decoration-color: currentColor; }
.firm p { margin: 0; color: var(--graphite); font-size: 1rem; }
@media (max-width: 760px) { .firms { grid-template-columns: 1fr; } }

/* Article pages */
.page-hero { padding-block: clamp(3.5rem, 8vw, 6rem) 2rem; }
.page-hero h1 { font-size: clamp(2.4rem, 6vw, 4.4rem); max-width: 14em; }
.page-hero .lede { margin-top: 1.25rem; }
.article h2 { font-size: clamp(1.6rem, 3vw, 2.1rem); margin: 3rem 0 1rem; }
.article ul { padding-left: 1.2rem; margin: 0 0 1.5rem; }
.article li { margin-bottom: .6rem; }
.article p, .article li { color: #2c2c2e; }
.callout { background: var(--mist); border-radius: 20px; padding: 2rem; margin: 3rem 0; }
.callout h2 { margin-top: 0; font-size: clamp(1.5rem, 3vw, 2rem); margin-bottom: .75rem; }
.related { margin-top: 3rem; }
.related a { display: block; padding: 1rem 0; border-top: 1px solid var(--line); text-decoration: none; font-weight: 600; }
.related a:hover { color: var(--oxblood); }
.note { font-size: .9rem; color: var(--graphite); border-top: 1px solid var(--line); padding-top: 1.25rem; margin-top: 3rem; }

/* CTA */
.cta { text-align: center; }
.cta h2 { max-width: 14em; margin-inline: auto; }
.cta .actions { justify-content: center; margin-top: 2rem; }

/* Footer */
.foot { background: var(--mist); padding-block: 3.5rem 2.5rem; font-size: .92rem; color: var(--graphite); }
.foot__grid { display: grid; grid-template-columns: minmax(0, 2fr) repeat(3, minmax(0, 1fr)); gap: 2rem; margin-bottom: 2.5rem; }
.foot h2 { font-size: .95rem; color: var(--ink); letter-spacing: 0; margin-bottom: .75rem; }
.foot ul { list-style: none; padding: 0; margin: 0; }
.foot li { margin-bottom: .45rem; }
.foot a { text-decoration: none; }
.foot a:hover { color: var(--ink); text-decoration: underline; }
.foot .disclose { border-top: 1px solid var(--line); padding-top: 1.5rem; font-size: .85rem; line-height: 1.6; max-width: 60rem; }
@media (max-width: 760px) { .foot__grid { grid-template-columns: 1fr 1fr; } .foot__grid > :first-child { grid-column: 1 / -1; } }

/* Booking */
.book { display: grid; grid-template-columns: minmax(0, 1fr); gap: 2.5rem; }
.choice { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; }
.choice button { text-align: left; background: var(--paper); border: 1px solid var(--line); border-radius: 16px; padding: 1.25rem 1.4rem; font: inherit; cursor: pointer; color: var(--ink); }
.choice button[aria-pressed="true"] { border-color: var(--ink); box-shadow: inset 0 0 0 1px var(--ink); }
.choice strong { display: block; font-size: 1.15rem; margin-bottom: .2rem; }
.choice span { color: var(--graphite); font-size: .95rem; }
@media (max-width: 640px) { .choice { grid-template-columns: 1fr; } }
.days { display: flex; gap: .5rem; overflow-x: auto; padding-bottom: .5rem; scrollbar-width: thin; }
.days button { flex: 0 0 auto; width: 4.6rem; padding: .7rem .4rem; border-radius: 14px; border: 1px solid var(--line); background: var(--paper); font: inherit; cursor: pointer; color: var(--ink); text-align: center; line-height: 1.25; }
.days button small { display: block; color: var(--graphite); font-size: .8rem; }
.days button b { font-size: 1.35rem; font-weight: 600; }
.days button[aria-pressed="true"] { background: var(--ink); color: #fff; border-color: var(--ink); }
.days button[aria-pressed="true"] small { color: #c7c7cc; }
.times { display: grid; grid-template-columns: repeat(auto-fill, minmax(7.5rem, 1fr)); gap: .6rem; }
.times button { padding: .8rem .5rem; border-radius: 12px; border: 1px solid var(--line); background: var(--paper); font: inherit; font-weight: 600; cursor: pointer; color: var(--ink); }
.times button:hover { border-color: var(--ink); }
.times button:disabled { opacity: .5; cursor: progress; }
.status { color: var(--graphite); font-size: 1rem; min-height: 1.6em; }
.status.err { color: var(--oxblood); }
.step-label { font-weight: 600; font-size: 1.15rem; margin-bottom: 1rem; }

.days button:disabled { opacity: .35; cursor: default; }
.days button .dot { display:block; width:5px; height:5px; border-radius:50%; background: var(--oxblood); margin: .3rem auto 0; }
.days button[aria-pressed="true"] .dot { background:#fff; }

/* Utility */
.vh { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* Return-on-equity sentence: the one loud moment on the site */
.roe { background: var(--ink); color: #fff; padding-block: clamp(5rem, 11vw, 9rem); }
.roe h2 { color: #fff; max-width: 13em; }
.roe__lede { color: #a1a1a6; margin: 1rem 0 0; font-size: 1.1rem; }
.roe__sentence { font-size: clamp(1.55rem, 3.4vw, 2.7rem); line-height: 1.5; font-weight: 500; letter-spacing: -.02em; max-width: 24em; margin: clamp(2rem, 5vw, 3rem) 0 0; }
.roe__field { white-space: nowrap; border-bottom: 2px solid var(--rose); transition: border-color .15s, background .15s; }
.roe__field:hover, .roe__field:focus-within { border-bottom-color: #fff; }
.roe__field:focus-within { background: rgba(255,255,255,.07); }
.roe input { font: inherit; letter-spacing: inherit; color: #fff; background: transparent; border: 0; border-radius: 0; padding: 0 .05em; margin: 0; width: 6ch; min-width: 2ch; caret-color: var(--rose); }
.roe input:focus { outline: none; }
.roe__out { margin-top: clamp(2.5rem, 6vw, 4rem); padding-top: 2rem; border-top: 1px solid rgba(255,255,255,.18); display: grid; grid-template-columns: auto minmax(0, 27rem); gap: 1.25rem 3.5rem; align-items: end; }
.roe__pct { font-size: clamp(5.5rem, 15vw, 11rem); font-weight: 600; letter-spacing: -.055em; line-height: .82; margin: 0; font-variant-numeric: tabular-nums; }
.roe__say { color: #c7c7cc; font-size: 1.15rem; line-height: 1.55; margin: 0; }
.roe .actions { margin-top: clamp(2.5rem, 5vw, 3.5rem); gap: 1.5rem; }
.btn--light { background: #fff; color: var(--ink); border-color: #fff; }
.btn--light:hover { background: var(--oxblood-soft); border-color: var(--oxblood-soft); color: var(--ink); }
.link--light { color: #fff; text-decoration-color: var(--rose); }
.roe :focus-visible { outline-color: #fff; }
@media (max-width: 760px) { .roe__out { grid-template-columns: 1fr; } }
.roe--inset { border-radius: 20px; padding: clamp(1.75rem, 4vw, 2.5rem); margin: 2rem 0 3rem; }
.roe--inset h2 { font-size: clamp(1.4rem, 2.6vw, 1.8rem); margin: 0; }
.article .roe--inset h2 { margin: 0; color: #fff; }
.roe--inset .roe__sentence { font-size: clamp(1.2rem, 2.3vw, 1.55rem); margin-top: 1.25rem; }
.roe--inset .roe__out { grid-template-columns: 1fr; margin-top: 1.75rem; padding-top: 1.5rem; }
.roe--inset .roe__pct { font-size: clamp(3.5rem, 10vw, 5.5rem); }
.roe--inset .roe__say { font-size: 1rem; }
.article .roe--inset p { color: inherit; }
.article .roe--inset .roe__say, .article .roe--inset .roe__lede { color: #c7c7cc; }

/* Answer-first pages */
.byline { margin-top: 1.5rem; font-size: .95rem; color: var(--graphite); }
.byline a { color: var(--ink); }
.answer { border-left: 3px solid var(--oxblood); padding: .15rem 0 .15rem 1.25rem; margin: 0 0 2.5rem; }
.answer p { font-size: 1.2rem; line-height: 1.55; color: var(--ink) !important; margin: 0; }
.answer strong { font-weight: 600; }
.deeper { margin-top: 2.5rem; }
.deeper a { display: block; padding: 1.1rem 0; border-top: 1px solid var(--line); text-decoration: none; }
.deeper a strong { display: block; font-size: 1.1rem; }
.deeper a span { color: var(--graphite); font-size: .98rem; }
.deeper a:hover strong { color: var(--oxblood); }

/* Tables */
.table-wrap { overflow-x: auto; margin: 1.5rem 0 2rem; -webkit-overflow-scrolling: touch; }
.article .table-wrap { margin-inline: min(0px, calc((100% - min(100vw - 2.5rem, 54rem)) / 2)); }
.cmp { width: 100%; min-width: 34rem; border-collapse: collapse; font-size: .98rem; line-height: 1.45; }
.cmp caption { text-align: left; color: var(--graphite); font-size: .9rem; padding-bottom: .75rem; }
.cmp th, .cmp td { text-align: left; vertical-align: top; padding: .8rem .9rem .8rem 0; border-bottom: 1px solid var(--line); }
.cmp thead th { font-weight: 600; border-bottom: 2px solid var(--ink); }
.cmp tbody th { font-weight: 600; color: var(--ink); width: 13rem; }
.cmp td { color: #2c2c2e; }
.cmp .n { text-align: right; font-variant-numeric: tabular-nums; }
.cmp tr.total th, .cmp tr.total td { border-top: 2px solid var(--ink); font-weight: 600; color: var(--ink); }
.article ol { padding-left: 1.3rem; margin: 0 0 1.5rem; }
.article ol li { margin-bottom: .9rem; padding-left: .3rem; }
.article h3 { font-size: 1.2rem; margin: 2rem 0 .6rem; }

/* Guides index */
.guide-list { border-top: 1px solid var(--line); }
.guide-list a { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 24rem); gap: .5rem 2.5rem; align-items: baseline; padding: clamp(1.5rem, 3vw, 2.25rem) 0; border-bottom: 1px solid var(--line); text-decoration: none; }
.guide-list strong { font-size: clamp(1.5rem, 3vw, 2.25rem); font-weight: 600; letter-spacing: -.03em; line-height: 1.1; transition: color .15s; }
.guide-list span { color: var(--graphite); font-size: 1rem; line-height: 1.5; }
.guide-list a:hover strong { color: var(--oxblood); }
@media (max-width: 760px) { .guide-list a { grid-template-columns: 1fr; } }

/* 1031 deadline calculator */
.dl { background: var(--mist); border-radius: 20px; padding: clamp(1.5rem, 4vw, 2.5rem); }
.dl__label { display: block; font-weight: 600; font-size: 1.1rem; margin-bottom: .6rem; }
.dl__date { font: inherit; font-size: 1.35rem; font-weight: 600; padding: .65rem .9rem; border: 1px solid var(--line); border-radius: 12px; background: var(--paper); color: var(--ink); min-height: 52px; }
.dl__date:focus { outline: 2px solid var(--oxblood); outline-offset: 2px; }
.dl__grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem; margin-top: 1.75rem; }
.dl__card { background: var(--paper); border-radius: 16px; padding: 1.4rem 1.5rem; border: 1px solid var(--line); }
.dl__k { margin: 0 0 .5rem; color: var(--graphite); font-size: .95rem; }
.dl__v { margin: 0; font-size: clamp(1.45rem, 3vw, 1.9rem); font-weight: 600; letter-spacing: -.025em; line-height: 1.15; }
.dl__r { margin: .5rem 0 0; color: var(--graphite); font-size: .95rem; }
.dl__warn { margin: 1.25rem 0 0; padding: 1rem 1.25rem; background: var(--oxblood-soft); border-left: 3px solid var(--oxblood); border-radius: 0 12px 12px 0; font-size: 1rem; line-height: 1.55; }
.dl__warn[hidden] { display: none; }
.dl__actions { display: flex; flex-wrap: wrap; gap: .75rem 1.25rem; align-items: center; margin-top: 1.5rem; }
@media (max-width: 640px) { .dl__grid { grid-template-columns: 1fr; } }

/* Strategy calculator */
.calc__cols { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; align-items: start; }
.calc__col { margin: 0; border: 2px solid transparent; background: var(--mist); border-radius: 18px; padding: 1.25rem 1.25rem 1.4rem; min-width: 0; transition: border-color .2s, background .2s; }
.calc__col.is-top { border-color: var(--ink); background: var(--paper); }
.calc__col legend { float: left; width: 100%; padding: 0; margin: 0 0 .75rem; font-weight: 600; font-size: 1.25rem; letter-spacing: -.015em; }
.calc__row { clear: both; display: flex; justify-content: space-between; align-items: center; gap: .75rem; padding: .5rem 0; border-bottom: 1px solid var(--line); font-size: .95rem; color: #3a3a3c; cursor: text; }
.calc__in { display: inline-flex; align-items: center; gap: .2rem; font-weight: 600; color: var(--ink); white-space: nowrap; }
.calc__in input { font: inherit; width: 5.5rem; text-align: right; padding: .35rem .5rem; border: 1px solid var(--line); border-radius: 8px; background: var(--paper); color: var(--ink); min-height: 36px; }
.calc__in input:focus { outline: 2px solid var(--oxblood); outline-offset: 1px; border-color: transparent; }
.calc__res { margin-top: 1rem; }
.calc__res p { display: flex; justify-content: space-between; margin: 0 0 .3rem; font-size: .95rem; color: var(--graphite); }
.calc__res b { color: var(--ink); font-weight: 600; font-variant-numeric: tabular-nums; }
.calc__res .calc__net { margin-top: .6rem; padding-top: .6rem; border-top: 2px solid var(--ink); color: var(--ink); font-weight: 600; }
.calc__res .calc__net b { font-size: 1.6rem; letter-spacing: -.03em; }
.calc__sum { margin: 1.5rem 0 0; font-size: 1.2rem; line-height: 1.5; font-weight: 500; }
@media (max-width: 860px) { .calc__cols { grid-template-columns: 1fr; } }

/* Glossary */
.gloss { margin: 0 0 1rem; }
.gloss > div { padding: 1.1rem 0; border-top: 1px solid var(--line); scroll-margin-top: 5rem; }
.gloss dt { font-weight: 600; font-size: 1.15rem; margin-bottom: .35rem; }
.gloss dd { margin: 0; color: #2c2c2e; }
.gloss > div:target { background: var(--oxblood-soft); margin-inline: -1rem; padding-inline: 1rem; border-radius: 8px; }
.gloss-toc { display: flex; flex-wrap: wrap; gap: .4rem; margin-bottom: 2rem; }
.gloss-toc a { font-size: .9rem; text-decoration: none; padding: .3rem .7rem; border: 1px solid var(--line); border-radius: 999px; color: var(--ink); }
.gloss-toc a:hover { border-color: var(--ink); }

/* Charts */
.chart { margin: 2.25rem 0 2.5rem; }
.chart figcaption { font-size: 1.05rem; line-height: 1.5; color: var(--graphite); margin-bottom: 1.25rem; }
.chart figcaption strong { display: block; color: var(--ink); font-size: 1.2rem; letter-spacing: -.01em; margin-bottom: .2rem; }
.chart__note { font-size: .9rem; color: var(--graphite); margin: 1rem 0 0; line-height: 1.55; }
.chart__table { margin-top: .75rem; font-size: .95rem; }
.chart__table summary { cursor: pointer; color: var(--oxblood); font-weight: 500; }
.legend { display: flex; flex-wrap: wrap; gap: .5rem 1.25rem; font-size: .9rem; color: #3a3a3c; margin: 0 0 1rem; }
.legend span { display: inline-flex; align-items: center; gap: .45rem; }
.sw { display: inline-block; width: 12px; height: 12px; border-radius: 3px; }
.sw--net { background: var(--oxblood); }
.sw--cost { background: #b4b4ba; }
.sw--id { background: var(--oxblood); }
.sw--ex { background: #d8b7bd; }
.sw--risk { background: repeating-linear-gradient(135deg, #b4b4ba 0 3px, #ececef 3px 6px); }
.chart [data-tip] { cursor: default; outline-offset: 2px; }
.chart-tip { position: fixed; z-index: 20; pointer-events: none; background: var(--ink); color: #fff; font-size: .85rem; line-height: 1.4; padding: .5rem .7rem; border-radius: 8px; max-width: 16rem; opacity: 0; transform: translateY(4px); transition: opacity .12s, transform .12s; }
.chart-tip.on { opacity: 1; transform: none; }
/* Column chart */
.cc { display: grid; grid-template-columns: 2.5rem 1fr; grid-template-rows: 15rem auto; }
.cc__y { position: relative; font-size: .78rem; color: var(--graphite); font-variant-numeric: tabular-nums; }
.cc__y span { position: absolute; right: .5rem; transform: translateY(50%); }
.cc__plot { position: relative; border-bottom: 1px solid #c7c7cc; }
.cc__plot > i { position: absolute; left: 0; right: 0; height: 1px; background: #ececef; }
.cc__cols { position: absolute; inset: 0; display: flex; align-items: flex-end; gap: 2px; }
.cc__col { flex: 1; height: 100%; display: flex; align-items: flex-end; justify-content: center; }
.cc__bar { position: relative; width: min(100%, 24px); background: var(--oxblood); border-radius: 4px 4px 0 0; transition: filter .12s; }
.cc__col:hover .cc__bar, .cc__col:focus .cc__bar { filter: brightness(1.5); }
.cc__v { position: absolute; bottom: 100%; left: 50%; transform: translateX(-50%); padding-bottom: .3rem; font-size: .85rem; font-weight: 600; color: var(--ink); white-space: nowrap; }
.cc__x { grid-column: 2; display: flex; gap: 2px; font-size: .78rem; color: var(--graphite); padding-top: .4rem; }
.cc__x span { flex: 1; text-align: center; white-space: nowrap; }
/* Stacked bars */
.sb { display: grid; gap: .9rem; }
.sb__row { display: grid; grid-template-columns: 7.5rem 1fr; align-items: center; gap: .75rem; }
.sb__name { font-weight: 600; font-size: .95rem; }
.sb__track { display: flex; align-items: center; gap: .6rem; min-width: 0; }
.sb__bar { display: flex; gap: 2px; height: 24px; min-width: 0; transition: width .2s; }
.sb__net, .sb__cost { min-width: 2px; height: 100%; transition: flex-basis .2s; }
.sb__net { background: var(--oxblood); border-radius: 0; display: flex; align-items: center; padding-left: .5rem; overflow: visible; }
.sb__cost { background: #b4b4ba; border-radius: 0 4px 4px 0; }
.sb__net:hover, .sb__net:focus, .sb__cost:hover, .sb__cost:focus { filter: brightness(1.25); }
.sb__lab { color: #fff; font-size: .82rem; font-weight: 600; white-space: nowrap; font-variant-numeric: tabular-nums; }
.sb__gross { font-size: .85rem; color: var(--graphite); white-space: nowrap; font-variant-numeric: tabular-nums; }
@media (max-width: 560px) { .sb__row { grid-template-columns: 1fr; gap: .3rem; } }
/* 1031 timeline */
.tl { position: relative; height: 10rem; margin: 0 .5rem 0 0; }
.tl__track { position: absolute; left: 0; right: 0; top: 3rem; height: 14px; background: #ececef; border-radius: 4px; }
.tl__id, .tl__ex, .tl__risk { position: absolute; top: 0; bottom: 0; }
.tl__id { left: 0; background: var(--oxblood); border-radius: 4px 0 0 4px; }
.tl__ex { background: #d8b7bd; border-left: 2px solid var(--paper); }
.tl__risk { background: repeating-linear-gradient(135deg, #b4b4ba 0 3px, #ececef 3px 6px); }
.tl__due { position: absolute; top: -.6rem; bottom: -.6rem; width: 2px; background: var(--ink); }
.tl__due span { position: absolute; bottom: 100%; left: 50%; transform: translateX(-50%); font-size: .75rem; line-height: 1.25; text-align: center; white-space: nowrap; color: var(--ink); padding-bottom: .2rem; }
.tl__due[hidden], .tl__risk[hidden] { display: none; }
.tl__m { position: absolute; top: 4.4rem; transform: translateX(-2px); font-size: .82rem; line-height: 1.35; border-left: 1px solid #c7c7cc; padding: .35rem 0 0 .45rem; display: flex; flex-direction: column; }
.tl__m b { font-size: .9rem; }
.tl__m span { color: var(--graphite); white-space: nowrap; }
.tl__m .tl__d { color: var(--ink); font-weight: 500; }
.tl__m--end { transform: translateX(-100%); border-left: 0; border-right: 1px solid #c7c7cc; padding: .35rem .45rem 0 0; text-align: right; align-items: flex-end; }
.chart[data-timeline] { margin-top: 2.5rem; }
.chart[data-timeline] figcaption { margin-bottom: .5rem; }
@media (max-width: 560px) { .tl__m span:not(.tl__d) { display: none; } }
.cc__v--first { left: 0; transform: none; }
.cc__v--last { left: auto; right: 0; transform: none; }
.tl__m b { white-space: nowrap; }
.legend span[hidden] { display: none; }
.calc__in select { font: inherit; font-weight: 500; font-size: .9rem; padding: .3rem .4rem; border: 1px solid var(--line); border-radius: 8px; background: var(--paper); color: var(--ink); min-height: 36px; max-width: 11rem; }
.calc__row--sub { border-bottom: 0; padding-bottom: .2rem; }
.calc__hint { margin: 0; padding: 0 0 .55rem; border-bottom: 1px solid var(--line); font-size: .82rem; color: var(--graphite); line-height: 1.4; }
h2[id], h3[id], section[id] { scroll-margin-top: 5.5rem; }
/* Property analysis report */
.pa-inc { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); gap: 2.5rem 4rem; align-items: start; }
.pa-inc h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 1rem; }
.pa-list { margin: 0; padding: 0; list-style: none; border-top: 1px solid var(--line); }
.pa-list li { padding: .8rem 0 .8rem 1.6rem; border-bottom: 1px solid var(--line); position: relative; }
.pa-list li::before { content: ""; position: absolute; left: .15rem; top: 1.2rem; width: .55rem; height: .55rem; border-radius: 2px; background: var(--oxblood); }
.pa-prices { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: 20px; overflow: hidden; }
.pa-price { background: var(--paper); padding: 1.6rem; }
.pa-price h3 { font-size: 1rem; margin: 0; }
.pa-price .amt { font-size: clamp(2.4rem, 5vw, 3.2rem); font-weight: 600; letter-spacing: -.04em; line-height: 1; margin: .5rem 0; }
.pa-price p:last-child { margin: 0; color: var(--graphite); font-size: .95rem; }
.pa-price--rush { background: var(--ink); color: #fff; }
.pa-price--rush p:last-child { color: #b9b9be; }
.pa-credit { grid-column: 1 / -1; margin: 0; background: var(--oxblood-soft); padding: 1rem 1.6rem; font-size: .95rem; }
.pa-layout { display: grid; grid-template-columns: 14rem minmax(0, 1fr); gap: 3rem; align-items: start; }
.pa-rail { position: sticky; top: 6rem; }
.pa-rail ol { list-style: none; margin: 0; padding: 0; counter-reset: pa; }
.pa-rail li { counter-increment: pa; }
.pa-rail li[hidden] { display: none; }
.pa-rail a { display: flex; gap: .6rem; padding: .45rem 0; color: var(--graphite); text-decoration: none; font-size: .95rem; }
.pa-rail a::before { content: counter(pa); font-variant-numeric: tabular-nums; min-width: 1.2rem; color: #a1a1a6; }
.pa-rail li.is-on a { color: var(--ink); font-weight: 600; }
.pa-rail li.is-on a::before { color: var(--oxblood); }
.pa-progress { margin: 1rem 0 0; padding-top: 1rem; border-top: 1px solid var(--line); font-size: .9rem; color: var(--graphite); }
.pa-progress span { font-weight: 600; color: var(--ink); }
.pa { display: grid; gap: 1.25rem; }
.pa-sec { background: var(--paper); border-radius: 20px; padding: clamp(1.4rem, 3vw, 2.25rem); scroll-margin-top: 5.5rem; }
.pa-sec[hidden] { display: none; }
.pa-sec h3 { font-size: 1.4rem; margin: 0 0 .25rem; }
.pa-intro { color: var(--graphite); margin: 0 0 1.5rem; font-size: 1rem; }
.pa-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem 1.5rem; }
.pa-f { display: flex; flex-direction: column; gap: .35rem; min-width: 0; border: 0; padding: 0; margin: 0; }
.pa-f[hidden] { display: none; }
.pa-f--wide { grid-column: 1 / -1; }
.pa-f > label, .pa-f legend { font-weight: 600; font-size: .95rem; padding: 0; }
.pa-req { color: var(--oxblood); margin-left: .15rem; }
.pa-hint { font-size: .85rem; color: var(--graphite); }
.pa input:not([type=checkbox]):not([type=radio]), .pa select, .pa textarea { font: inherit; font-size: 1rem; width: 100%; min-height: 44px; padding: .6rem .75rem; border: 1px solid var(--line); border-radius: 10px; background: var(--paper); color: var(--ink); }
.pa textarea { resize: vertical; min-height: 5.5rem; }
.pa input:focus-visible, .pa select:focus-visible, .pa textarea:focus-visible { outline: 2px solid var(--oxblood); outline-offset: 1px; border-color: transparent; }
.pa input:disabled { background: var(--mist); color: var(--graphite); }
.pa-affix { display: flex; align-items: center; border: 1px solid var(--line); border-radius: 10px; background: var(--paper); }
.pa-affix:focus-within { outline: 2px solid var(--oxblood); outline-offset: 1px; border-color: transparent; }
.pa .pa-affix input { border: 0 !important; outline: none !important; background: transparent; }
.pa-affix i { font-style: normal; color: var(--graphite); padding: 0 .1rem 0 .75rem; }
.pa-affix input + i { padding: 0 .75rem 0 .1rem; }
.pa-f.is-est .pa-affix, .pa-f.is-est input:disabled { background: var(--mist); }
.pa-f > .pa-est { font-weight: 400; }
.pa-est { display: inline-flex; align-items: center; gap: .4rem; font-size: .85rem; color: var(--graphite); cursor: pointer; align-self: flex-start; }
.pa-est input { accent-color: var(--oxblood); width: 1rem; height: 1rem; }
.pa-opts { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: .2rem; }
.pa-opt { position: relative; cursor: pointer; }
.pa-opt input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.pa-opt span { display: inline-block; padding: .55rem .95rem; border: 1px solid var(--line); border-radius: 999px; font-size: .95rem; background: var(--paper); transition: background .15s, border-color .15s; }
.pa-opt input:checked + span { background: var(--ink); color: #fff; border-color: var(--ink); }
.pa-opt input:focus-visible + span { outline: 2px solid var(--oxblood); outline-offset: 2px; }
.pa-tiers { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; border: 0; padding: 0; margin: 0 0 1.5rem; }
.pa-tier { position: relative; cursor: pointer; }
.pa-tier input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.pa-tier span { display: flex; flex-direction: column; gap: .2rem; padding: 1.1rem 1.25rem; border: 1px solid var(--line); border-radius: 14px; height: 100%; }
.pa-tier strong { font-size: 1.1rem; }
.pa-tier em { font-style: normal; color: var(--graphite); font-size: .95rem; }
.pa-tier input:checked + span { border-color: var(--oxblood); box-shadow: inset 0 0 0 1px var(--oxblood); background: var(--oxblood-soft); }
.pa-tier input:focus-visible + span { outline: 2px solid var(--oxblood); outline-offset: 2px; }
.pa-consent { display: flex; gap: .75rem; align-items: flex-start; font-size: .95rem; color: #3a3a3c; margin: 0 0 1.25rem; cursor: pointer; }
.pa-consent input { accent-color: var(--oxblood); width: 1.15rem; height: 1.15rem; margin-top: .2rem; flex: none; }
.pa-err { color: var(--oxblood); font-weight: 600; margin: 0 0 1rem; }
.pa-err[hidden] { display: none; }
.pa [data-pa-submit][disabled] { opacity: .7; cursor: progress; }
@media (max-width: 960px) {
  .pa-layout { grid-template-columns: 1fr; gap: 1.5rem; }
  .pa-rail { position: static; }
  .pa-rail ol { display: flex; flex-wrap: wrap; gap: .25rem 1rem; }
  .pa-inc { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .pa-grid, .pa-tiers { grid-template-columns: 1fr; }
  .pa-prices { grid-template-columns: 1fr; }
  .pa-rail ol { display: none; }
  .pa-progress { margin: 0; border: 0; padding: 0; }
}
.pa-strip { display: flex; justify-content: space-between; align-items: center; gap: 1rem 2rem; flex-wrap: wrap; margin-top: 1.25rem; padding: 1.25rem 1.6rem; border: 1px solid var(--line); border-radius: 20px; text-decoration: none; color: var(--ink); background: var(--paper); transition: border-color .15s; }
.pa-strip:hover { border-color: var(--ink); }
.pa-strip > span:first-child { max-width: 44rem; color: #3a3a3c; }
.pa-strip strong { color: var(--ink); }
.pa-strip__go { font-weight: 600; white-space: nowrap; border-bottom: 1px solid currentColor; }
.pa-sec > .pa-f + .pa-f { margin-top: 1.25rem; }

/* Lead magnet: inline worksheet signup */
.lead { border-top: 2px solid var(--ink); padding-top: 1.5rem; margin: 3.5rem 0 1rem; }
.lead h2 { font-size: clamp(1.35rem, 2.6vw, 1.75rem); margin: 0 0 .5rem; }
.lead > p { color: var(--graphite); margin: 0 0 1.25rem; }
.lead--page { border: 0; background: var(--oxblood-soft); border-radius: 20px; padding: 1.75rem; margin: 0 0 3rem; }
.lead--page .lead { border: 0; padding: 0; margin: 0; }
.lead__row { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.4fr) auto; gap: .75rem; align-items: end; }
.lead label span { display: block; font-size: .85rem; color: var(--graphite); margin-bottom: .3rem; }
.lead input[type=email], .lead input:not([type]) { width: 100%; font: inherit; font-size: 1rem; padding: .7rem .85rem; border: 1px solid var(--line); border-radius: 10px; background: #fff; color: var(--ink); min-height: 46px; }
.lead input:focus-visible { outline: 2px solid var(--oxblood); outline-offset: 1px; border-color: var(--oxblood); }
.lead .btn { min-height: 46px; white-space: nowrap; }
.lead__ok { display: flex; gap: .55rem; align-items: flex-start; font-size: .9rem; color: var(--graphite); margin-top: .85rem; line-height: 1.45; }
.lead__ok input { margin-top: .2rem; accent-color: var(--oxblood); width: 1rem; height: 1rem; flex: none; }
.lead__err { color: var(--oxblood); font-size: .95rem; margin: .75rem 0 0; }
.lead.is-done form { display: none; }
.lead__done { font-size: 1.05rem; }
@media (max-width: 640px) { .lead__row { grid-template-columns: 1fr; } .lead .btn { width: 100%; } }

/* Guides index groups and checklist page */
.guide-group { font-size: 1.1rem; color: var(--graphite); font-weight: 600; margin: 3.5rem 0 0; padding-bottom: .9rem; }
.guide-group:first-child { margin-top: 0; }
.checklist { padding-left: 1.4rem; }
.checklist li { margin-bottom: 1.25rem; padding-left: .25rem; }
.checklist li::marker { font-weight: 600; color: var(--oxblood); }
.checklist h3 { font-size: 1.1rem; margin: 0 0 .25rem; }
.checklist p { margin: 0; color: var(--graphite); }
.article h3 { margin-top: 1.75rem; }

/* Property analysis: who it is for */
.pa-who { list-style: none; margin: 2.5rem 0 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 1.5rem; border-top: 1px solid var(--line); padding-top: 1.5rem; }
.pa-who strong { display: block; font-size: 1.05rem; margin-bottom: .3rem; }
.pa-who span { color: var(--graphite); font-size: .95rem; line-height: 1.5; }
@media (max-width: 860px) { .pa-who { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 520px) { .pa-who { grid-template-columns: 1fr; } }