/* ============================================================
   CRM3.ca redesign — "on the investor's side"
   Headlines: Fraunces · Body/UI: Inter · Numbers: IBM Plex Mono
   Warm paper + deep pine green; coral reserved for COSTS only.
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--page-bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
h1, h2, h3, h4 { font-family: var(--font-head); margin: 0; line-height: 1.1; color: var(--head-ink); font-weight: 500; }
p { margin: 0; text-wrap: pretty; }
a { color: inherit; }
strong, b { font-weight: 700; color: var(--head-ink); }
em { font-style: italic; }

:root {
  --font-head: "Fraunces", Georgia, serif;
  --font-body: "Inter", system-ui, sans-serif;
  --font-num:  "IBM Plex Mono", ui-monospace, monospace;

  --page-bg: #faf7f1;         /* warm paper */
  --surface: #ffffff;
  --surface-2: #f2eee5;
  --dark-bg: #14332c;         /* deep pine — "why it matters" band */
  --dark-surface: #1d4038;
  --dark-ink: #e8efe9;
  --dark-soft: #a8c0b4;

  --ink: #33393b;
  --ink-soft: #64706e;
  --head-ink: #1b2c28;

  --accent: #0f6b57;          /* pine green — primary, trust */
  --accent-deep: #0a4a3c;
  --accent-tint: #e2efe9;
  --accent-2: #c9a648;        /* warm gold — small highlights */
  --accent-2-tint: #f5eed7;

  --cost: #c2452e;            /* coral red — COSTS ONLY */
  --cost-tint: #f9e9e4;
  --pos: #0f6b57; --pos-tint: #e2efe9;

  --line: #e3ddd0;
  --line-strong: #cfc7b6;

  --radius: 8px;
  --radius-lg: 14px;
  --shadow: 0 1px 2px rgba(27,44,40,.05), 0 16px 36px -26px rgba(27,44,40,.4);
  --maxw: 1060px;
  --section-gap: 104px;
}

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; }
.section { padding-block: calc(var(--section-gap) / 1.6); }
.section--tint { background: var(--surface-2); }
.section--dark { background: var(--dark-bg); color: var(--dark-ink); }
.section--dark h2, .section--dark h3 { color: #fff; }
.section--dark p { color: var(--dark-ink); }
.section--dark strong { color: #fff; }

.inlink {
  color: var(--accent); font-weight: 600; text-decoration: underline;
  text-underline-offset: 3px; text-decoration-thickness: 1.5px;
  text-decoration-color: color-mix(in srgb, var(--accent) 42%, transparent);
}
.inlink:hover { text-decoration-color: var(--accent); }

/* ============ Masthead ============ */
.masthead {
  position: sticky; top: 0; z-index: 50;
  background: color-mix(in srgb, var(--page-bg) 88%, transparent);
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.masthead .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 72px; }
.brand { display: flex; flex-direction: column; gap: 2px; line-height: 1; text-decoration: none; }
.brand__mark { font-family: var(--font-head); font-weight: 600; font-size: 26px; letter-spacing: -.01em; color: var(--head-ink); }
.brand__dot { color: var(--accent); }
.brand__tag { font-size: 10.5px; letter-spacing: .14em; text-transform: uppercase; color: var(--ink-soft); font-weight: 600; }
.nav { display: flex; align-items: center; gap: 26px; font-size: 14px; font-weight: 600; }
.nav a { text-decoration: none; color: var(--ink-soft); transition: color .2s; }
.nav a:hover { color: var(--accent); }
.nav__cta {
  color: #fff !important; background: var(--accent);
  padding: 9px 16px; border-radius: 999px; transition: background .2s;
}
.nav__cta:hover { background: var(--accent-deep); }
@media (max-width: 900px) { .nav a:not(.nav__cta) { display: none; } }

/* ============ Hero ============ */
.hero { padding-top: 72px; padding-bottom: 64px; }
.hero__eyebrow {
  font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase;
  color: var(--accent); margin-bottom: 22px;
}
.hero h1 {
  font-size: clamp(38px, 5.8vw, 66px); letter-spacing: -.02em;
  max-width: 19ch; font-weight: 500;
}
.hero__lede { margin-top: 26px; max-width: 58ch; font-size: 20px; line-height: 1.6; color: var(--ink); }

.hero__shift {
  margin-top: 44px; display: grid; grid-template-columns: 1fr auto 1fr;
  gap: 20px; align-items: stretch;
}
@media (max-width: 720px) {
  .hero__shift { grid-template-columns: 1fr; }
  .shiftcard__arrow { transform: rotate(90deg); justify-self: center; }
}
.shiftcard {
  border-radius: var(--radius-lg); padding: 24px 26px;
  border: 1px solid var(--line); background: var(--surface); box-shadow: var(--shadow);
}
.shiftcard--now { border-color: color-mix(in srgb, var(--accent) 45%, var(--line)); background: color-mix(in srgb, var(--accent) 6%, var(--surface)); }
.shiftcard__when {
  display: block; font-size: 11.5px; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; margin-bottom: 10px; color: var(--ink-soft);
}
.shiftcard--now .shiftcard__when { color: var(--accent); }
.shiftcard__when em { text-transform: none; letter-spacing: 0; font-weight: 600; }
.shiftcard__what { font-size: 16.5px; }
.shiftcard__arrow { align-self: center; font-size: 30px; color: var(--accent-2); font-weight: 700; }

.hero__reg, .hero__truth { margin-top: 26px; max-width: 62ch; font-size: 17px; color: var(--ink); }
.hero__truth { border-left: 3px solid var(--accent-2); padding-left: 22px; color: var(--ink-soft); }

.hero__cta { margin-top: 38px; display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.hero__cta-q {
  flex-basis: 100%; font-family: var(--font-head); font-style: italic;
  font-size: clamp(20px, 2.6vw, 26px); color: var(--head-ink); margin-bottom: 4px;
}
.hero__cta-q em { color: var(--accent); }

.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-weight: 700; font-size: 16px;
  padding: 14px 26px; border-radius: 999px; text-decoration: none;
  cursor: pointer; border: 1px solid transparent; transition: background .2s, transform .15s;
}
.btn--primary { background: var(--accent); color: #fff; box-shadow: var(--shadow); }
.btn--primary:hover { background: var(--accent-deep); transform: translateY(-1px); }
.btn__arrow { transition: transform .2s; }
.btn--primary:hover .btn__arrow { transform: translateX(3px); }
.btn--ghost { border-color: var(--line-strong); color: var(--head-ink); }
.btn--ghost:hover { border-color: var(--accent); color: var(--accent); }

/* ============ Section heading ============ */
.shead { margin-bottom: 40px; max-width: 66ch; }
.shead__kicker {
  font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase;
  color: var(--accent); display: block; margin-bottom: 13px;
}
.section--dark .shead__kicker { color: var(--accent-2); }
.shead h2 { font-size: clamp(30px, 4.2vw, 44px); letter-spacing: -.015em; }
.shead p { color: var(--ink-soft); font-size: 18px; margin-top: 14px; max-width: 60ch; }
.section--dark .shead p { color: var(--dark-soft); }

/* ============ Calculator (why it matters) ============ */
.calc { background: var(--dark-surface); border: 1px solid rgba(255,255,255,.1); border-radius: var(--radius-lg); overflow: hidden; }
.calc__grid { display: grid; grid-template-columns: 380px 1fr; }
@media (max-width: 840px) { .calc__grid { grid-template-columns: 1fr; } }
.calc__controls { padding: 34px; border-right: 1px solid rgba(255,255,255,.1); }
@media (max-width: 840px) { .calc__controls { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.1); } }
.ctrl { margin-bottom: 26px; }
.ctrl:last-child { margin-bottom: 0; }
.ctrl__row { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 11px; }
.ctrl__label { font-weight: 700; color: #fff; font-size: 14px; }
.ctrl__val { font-family: var(--font-num); font-weight: 600; font-size: 19px; color: var(--accent-2); letter-spacing: -.01em; }
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 999px;
  background: rgba(255,255,255,.22); outline: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--accent-2); border: 3px solid var(--dark-surface); box-shadow: 0 1px 6px rgba(0,0,0,.35); cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%; background: var(--accent-2); border: 3px solid var(--dark-surface); cursor: pointer;
}
.ctrl__hint { font-size: 12.5px; color: var(--dark-soft); margin-top: 8px; }

.calc__out { padding: 34px; display: flex; flex-direction: column; }
.calc__headline { font-size: 14px; font-weight: 600; color: var(--dark-soft); margin-bottom: 6px; }
.calc__lost { font-family: var(--font-num); font-weight: 600; font-size: clamp(40px, 6vw, 60px); color: #ff8d72; letter-spacing: -.03em; line-height: 1; }
.calc__lostsub { color: var(--dark-soft) !important; font-size: 14px; margin-top: 12px; max-width: 46ch; }
.bars { margin-top: 30px; display: grid; gap: 20px; }
.bar__top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 9px; }
.bar__name { font-size: 13.5px; font-weight: 600; color: #fff; }
.bar__amt { font-family: var(--font-num); font-weight: 600; font-size: 18px; letter-spacing: -.01em; }
.bar__track { height: 26px; border-radius: 8px; background: rgba(255,255,255,.12); overflow: hidden; }
.bar__fill { height: 100%; border-radius: 8px; transition: width .5s cubic-bezier(.2,.7,.2,1); }
.bar--nofee .bar__amt { color: #8fd6ba; }
.bar--nofee .bar__fill { background: #8fd6ba; }
.bar--fee .bar__amt { color: #ff8d72; }
.bar--fee .bar__fill { background: #ff8d72; }
.calc__note { font-size: 13px; color: var(--dark-soft) !important; font-style: italic; margin-top: 26px; }
.section--tint .calc__note, .ffcalc .calc__note { color: var(--ink-soft) !important; }

.hero__qa { margin-top: 56px; max-width: 62ch; }
.hero__qa h3 { font-size: clamp(22px, 3vw, 28px); letter-spacing: -.01em; }
.hero__qa p { margin-top: 14px; font-size: 17px; line-height: 1.65; }

/* ============ Before / after comparison ============ */
.compare { display: grid; gap: 18px; }
.compare__row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; align-items: stretch; }
.compare__label {
  grid-column: 1 / -1; font-weight: 700; color: var(--head-ink);
  font-size: 13px; letter-spacing: .08em; text-transform: uppercase;
  display: flex; align-items: center; gap: 12px; margin-top: 8px;
}
.compare__label::after { content: ""; flex: 1; height: 1px; background: var(--line-strong); }
.cell {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius-lg); padding: 22px 24px; box-shadow: var(--shadow);
}
.cell__tag { font-size: 11px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 10px; display: flex; align-items: center; gap: 8px; }
.cell--old .cell__tag { color: var(--ink-soft); }
.cell--new { border-color: color-mix(in srgb, var(--accent) 42%, var(--line)); background: color-mix(in srgb, var(--accent) 5%, var(--surface)); }
.cell--new .cell__tag { color: var(--accent); }
.cell p { font-size: 16.5px; }
.tagmark { width: 18px; height: 18px; border-radius: 50%; display: inline-grid; place-items: center; font-size: 11px; }
.cell--old .tagmark { background: var(--surface-2); color: var(--ink-soft); }
.cell--new .tagmark { background: var(--accent); color: #fff; }
@media (max-width: 680px) { .compare__row { grid-template-columns: 1fr; } }

/* ============ Scope ============ */
.scope { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.scopecard { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px 28px 30px; box-shadow: var(--shadow); }
.scopecard h3 { font-size: 22px; display: flex; align-items: center; gap: 12px; margin-bottom: 6px; }
.scopecard__sub { color: var(--ink-soft); font-size: 14px; margin-bottom: 20px; }
.scopecard ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.scopecard li { display: flex; align-items: center; gap: 14px; font-size: 17px; }
.mark { flex: none; width: 26px; height: 26px; border-radius: 8px; display: grid; place-items: center; font-weight: 800; }
.mark--yes { background: var(--pos-tint); color: var(--pos); }
.mark--no { background: var(--cost-tint); color: var(--cost); }
.scopecard--yes { border-top: 4px solid var(--pos); }
.scopecard--no { border-top: 4px solid var(--cost); }
@media (max-width: 680px) { .scope { grid-template-columns: 1fr; } }

/* ============ Definitions / FER equation ============ */
.fer-eq { display: flex; flex-wrap: wrap; align-items: stretch; gap: 14px; margin-bottom: 34px; }
.fer-eq__term {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 16px 22px; box-shadow: var(--shadow); flex: 1; min-width: 150px;
}
.fer-eq__term .abbr { font-family: var(--font-head); font-weight: 600; font-size: 26px; letter-spacing: -.01em; color: var(--head-ink); }
.fer-eq__term .full { font-size: 13px; color: var(--ink-soft); margin-top: 3px; }
.fer-eq__op { align-self: center; font-family: var(--font-num); font-size: 26px; font-weight: 600; color: var(--accent-2); }
.fer-eq__term--result { background: color-mix(in srgb, var(--accent) 9%, var(--surface)); border-color: var(--accent); }
.fer-eq__term--result .abbr { color: var(--accent); }

.defs { border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; background: var(--surface); box-shadow: var(--shadow); }
.def { border-top: 1px solid var(--line); scroll-margin-top: 96px; }
.def:first-child { border-top: 0; }
.def__btn {
  width: 100%; text-align: left; border: 0; background: transparent; cursor: pointer;
  font: inherit; padding: 20px 24px; display: flex; align-items: center; gap: 18px; color: var(--ink);
}
.def__btn:hover { background: var(--surface-2); }
.def__abbr { font-family: var(--font-head); font-weight: 600; font-size: 19px; color: var(--head-ink); min-width: 66px; }
.def__name { font-weight: 600; color: var(--head-ink); flex: 1; }
.def__chev { transition: transform .25s; color: var(--accent); }
.def[open] .def__chev { transform: rotate(180deg); }
.def--flash { background: var(--accent-tint); transition: background .3s; }
.def__body { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.def__body-inner { padding: 0 24px 22px 108px; color: var(--ink-soft); font-size: 16px; }
.def__body-inner strong { color: var(--head-ink); }
@media (max-width: 560px) { .def__body-inner { padding-left: 24px; } }

/* ============ Timeline ============ */
.timeline { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; position: relative; margin-top: 12px; }
.timeline::before { content: ""; position: absolute; top: 13px; left: 8%; right: 8%; height: 2px; background: var(--line-strong); }
.tl { text-align: center; padding: 0 16px; position: relative; }
.tl__node { width: 28px; height: 28px; border-radius: 50%; background: var(--surface); border: 3px solid var(--accent); margin: 0 auto 20px; position: relative; z-index: 1; display: grid; place-items: center; }
.tl__node::after { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--accent); }
.tl--done .tl__node { background: var(--accent); }
.tl--done .tl__node::after { background: var(--surface); }
.tl__date { font-family: var(--font-num); font-weight: 600; font-size: 16px; color: var(--head-ink); letter-spacing: -.01em; }
.tl__title { font-weight: 700; color: var(--accent); margin-top: 10px; font-size: 14px; }
.tl__desc { color: var(--ink-soft); font-size: 15px; margin-top: 8px; }
.timeline__plain {
  margin-top: 36px; text-align: center; font-size: 16px; color: var(--ink-soft);
  background: var(--surface); border: 1px dashed var(--line-strong); border-radius: var(--radius);
  padding: 14px 20px; max-width: 62ch; margin-inline: auto;
}
@media (max-width: 680px) {
  .timeline { grid-template-columns: 1fr; gap: 28px; }
  .timeline::before { left: 13px; right: auto; top: 8%; bottom: 8%; width: 2px; height: auto; }
  .tl { text-align: left; padding-left: 50px; }
  .tl__node { position: absolute; left: 0; margin: 0; }
}

/* ============ Toolkit ============ */
.qgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.qcard { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 26px; box-shadow: var(--shadow); border-left: 4px solid var(--accent); }
.qcard__topic { font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--accent); margin-bottom: 13px; }
.qcard__q { font-family: var(--font-head); font-size: 21px; color: var(--head-ink); line-height: 1.35; font-style: italic; }
@media (max-width: 680px) { .qgrid { grid-template-columns: 1fr; } }

/* ============ Find your fees ============ */
.steps { list-style: none; margin: 0 0 38px; padding: 0; display: grid; gap: 18px; }
.step { display: flex; gap: 20px; align-items: flex-start; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 24px 28px; box-shadow: var(--shadow); }
.step__n {
  flex: none; width: 40px; height: 40px; border-radius: 50%;
  background: var(--accent); color: #fff; display: grid; place-items: center;
  font-family: var(--font-num); font-weight: 600; font-size: 18px;
}
.step__body h3 { font-size: 21px; margin-bottom: 5px; }
.step__body p { font-size: 16.5px; color: var(--ink-soft); margin-top: 8px; }
.step__body p:first-of-type { margin-top: 0; }
.step__body strong { color: var(--head-ink); }
.mono { font-family: var(--font-num); font-weight: 500; font-size: .92em; background: var(--surface-2); padding: 1px 7px; border-radius: 4px; color: var(--head-ink); }

.ffcalc { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 30px; }

.ffcalc__portfolio { display: flex; flex-direction: column; gap: 10px; margin-bottom: 26px; max-width: 340px; }
.ffcalc__plabel { font-weight: 700; font-size: 14px; color: var(--head-ink); display: flex; align-items: center; gap: 8px; }
.ffcalc__pinput, .ffrow__money { display: flex; align-items: center; background: var(--surface-2); border: 1px solid var(--line-strong); border-radius: var(--radius); padding: 0 14px; transition: border-color .15s, box-shadow .15s; }
.ffcalc__pinput:focus-within, .ffrow__money:focus-within, .ffrow__name:focus, .ffrow__feebox:focus-within { border-color: var(--accent); box-shadow: 0 0 0 3px var(--accent-tint); outline: none; }
.ffcalc__dollar, .ffrow__dollar { font-family: var(--font-num); font-weight: 600; color: var(--ink-soft); font-size: 16px; }
.ffcalc__pinput input { border: 0; background: transparent; font-family: var(--font-num); font-weight: 600; font-size: 22px; color: var(--head-ink); padding: 12px 6px; width: 100%; outline: none; }

.tip { position: relative; display: inline-flex; }
.tip__q { width: 18px; height: 18px; border-radius: 50%; background: var(--accent); color: #fff; font-weight: 700; font-size: 12px; display: grid; place-items: center; cursor: help; }
.tip__pop {
  position: absolute; bottom: calc(100% + 12px); left: 50%; transform: translateX(-50%) translateY(6px);
  width: 300px; background: var(--accent-deep); color: #e8f2ec;
  font-weight: 400; font-size: 13.5px; line-height: 1.5; letter-spacing: 0; text-transform: none;
  padding: 14px 16px; border-radius: var(--radius); box-shadow: 0 14px 34px -12px rgba(10,74,60,.6);
  opacity: 0; visibility: hidden; transition: opacity .2s, transform .2s; z-index: 20; pointer-events: none;
}
.tip__pop strong, .tip__pop em { color: #fff; }
.tip__pop::after { content: ""; position: absolute; top: 100%; left: 50%; transform: translateX(-50%); border: 7px solid transparent; border-top-color: var(--accent-deep); }
.tip:hover .tip__pop, .tip:focus .tip__pop, .tip:focus-within .tip__pop { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
@media (max-width: 560px) { .tip__pop { width: 240px; left: 0; transform: translateX(0) translateY(6px); } .tip__pop::after { left: 28px; } .tip:hover .tip__pop, .tip:focus-within .tip__pop { transform: translateX(0) translateY(0); } }

.ffcalc__head, .ffrow { display: grid; grid-template-columns: minmax(0,2.1fr) 1.2fr 1fr .9fr 1.1fr 34px; gap: 12px; align-items: center; }
.ffcalc__head { padding: 0 4px 12px; border-bottom: 1px solid var(--line); }
.ffcalc__col { font-size: 11px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-soft); }
.ffcalc__col--share, .ffcalc__col--cost { text-align: right; }
.ffrow { padding: 12px 4px; border-bottom: 1px solid var(--line); }
.ffrow__name { border: 1px solid var(--line-strong); border-radius: var(--radius); background: var(--surface-2); padding: 11px 13px; font: inherit; font-size: 15px; color: var(--head-ink); width: 100%; }
.ffrow__name::placeholder { color: var(--ink-soft); opacity: .7; }
.ffrow__money { padding: 0 12px; }
.ffrow__money input { border: 0; background: transparent; font-family: var(--font-num); font-weight: 500; font-size: 15px; color: var(--head-ink); padding: 11px 4px; width: 100%; outline: none; }
.ffrow__feebox { display: flex; align-items: center; background: var(--surface-2); border: 1px solid var(--line-strong); border-radius: var(--radius); padding: 0 12px; }
.ffrow__feebox input { border: 0; background: transparent; font-family: var(--font-num); font-weight: 500; font-size: 15px; color: var(--head-ink); padding: 11px 2px; width: 100%; outline: none; }
.ffrow__pct { font-family: var(--font-num); color: var(--ink-soft); font-size: 16px; }
.ffrow__share { font-family: var(--font-num); font-weight: 500; font-size: 15px; color: var(--ink-soft); text-align: right; }
.ffrow__cost { font-family: var(--font-num); font-weight: 600; font-size: 16px; color: var(--cost); text-align: right; }
.ffrow__x { border: 0; background: transparent; color: var(--ink-soft); font-size: 22px; line-height: 1; cursor: pointer; border-radius: 6px; width: 30px; height: 30px; transition: background .15s, color .15s; }
.ffrow__x:hover { background: var(--cost-tint); color: var(--cost); }

.ffcalc__add { margin-top: 18px; background: transparent; border: 1px dashed var(--line-strong); color: var(--accent); font-weight: 700; font-size: 14px; padding: 12px 18px; border-radius: var(--radius); cursor: pointer; display: inline-flex; align-items: center; gap: 8px; white-space: nowrap; transition: border-color .15s, background .15s; }
.ffcalc__add span { font-size: 18px; }
.ffcalc__add:hover { border-color: var(--accent); background: var(--accent-tint); }

.ffcalc__totals { margin-top: 28px; display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.fftot { background: var(--surface-2); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px; display: flex; flex-direction: column; gap: 6px; }
.fftot__label { font-size: 12.5px; font-weight: 600; color: var(--ink-soft); }
.fftot__val { font-family: var(--font-num); font-weight: 600; font-size: 26px; letter-spacing: -.02em; color: var(--head-ink); }
.fftot__sub { font-size: 12.5px; color: var(--ink-soft); }
.fftot--hero { background: var(--cost-tint); border-color: color-mix(in srgb, var(--cost) 32%, var(--line)); }
.fftot--hero .fftot__val { color: var(--cost); font-size: 30px; }
@media (max-width: 760px) {
  .ffcalc__head { display: none; }
  .ffrow { grid-template-columns: 1fr 1fr; gap: 10px 12px; padding: 16px; border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 12px; }
  .ffrow__name { grid-column: 1 / -1; }
  .ffrow__share { text-align: left; }
  .ffrow__share::before { content: "Share: "; color: var(--ink-soft); font-size: 11px; }
  .ffrow__cost { text-align: left; }
  .ffrow__x { grid-column: 2; justify-self: end; }
  .ffcalc__totals { grid-template-columns: 1fr; }
}

/* ============ Help modal ============ */
.modal { position: fixed; inset: 0; z-index: 100; display: grid; place-items: center; padding: 24px; }
.modal[hidden] { display: none; }
.modal__backdrop { position: absolute; inset: 0; background: rgba(20,51,44,.55); backdrop-filter: blur(3px); -webkit-backdrop-filter: blur(3px); animation: modalFade .2s ease; }
.modal__panel {
  position: relative; width: min(560px, 100%); max-height: 88vh; overflow-y: auto;
  background: var(--surface); border-radius: var(--radius-lg); box-shadow: 0 30px 70px -20px rgba(20,51,44,.6);
  padding: 38px 40px 40px; animation: modalRise .25s cubic-bezier(.2,.7,.2,1);
}
@keyframes modalFade { from { opacity: 0; } }
@keyframes modalRise { from { opacity: 0; transform: translateY(14px); } }
.modal__x { position: absolute; top: 18px; right: 20px; border: 0; background: transparent; font-size: 28px; line-height: 1; color: var(--ink-soft); cursor: pointer; width: 36px; height: 36px; border-radius: 8px; transition: background .15s, color .15s; }
.modal__x:hover { background: var(--surface-2); color: var(--head-ink); }
.modal__kicker { font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--accent); }
.modal__title { font-size: clamp(24px, 3.4vw, 32px); letter-spacing: -.015em; margin: 12px 0 14px; }
.modal__lead { color: var(--ink-soft); font-size: 17px; margin-bottom: 26px; }
.helpopt { display: flex; gap: 18px; align-items: flex-start; padding: 22px 0; border-top: 1px solid var(--line); }
.helpopt__icon { flex: none; width: 38px; height: 38px; border-radius: 50%; background: var(--accent-tint); color: var(--accent); display: grid; place-items: center; font-family: var(--font-num); font-weight: 600; font-size: 17px; }
.helpopt__body h4 { font-size: 20px; margin-bottom: 6px; }
.helpopt__body p { font-size: 16px; color: var(--ink-soft); }
.helpopt__body strong, .helpopt__body a { color: var(--head-ink); }
.helpopt__soon { display: inline-block; margin-top: 10px; font-size: 12px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: #93741f; background: var(--accent-2-tint); padding: 5px 11px; border-radius: 999px; }

/* ============ Footer ============ */
.foot { padding: 44px 0; border-top: 1px solid var(--line); background: var(--surface); }
.foot .wrap { color: var(--ink-soft); font-size: 14px; max-width: 76ch; }
.foot strong { color: var(--head-ink); }

/* ============ Hero: confidence-gap stat block ============ */
.hero__eyebrow a { color: inherit; text-decoration: underline dotted; text-underline-offset: 3px; }
.hero__eyebrow a:hover { text-decoration-style: solid; }
.statgap {
  margin-top: 36px; display: grid; grid-template-columns: 1fr 1fr 1.15fr;
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  background: var(--surface); box-shadow: var(--shadow); overflow: hidden;
}
.statgap__item { padding: 24px 26px; border-right: 1px solid var(--line); }
.statgap__num {
  font-family: var(--font-num); font-weight: 600; font-size: clamp(32px, 4vw, 42px);
  line-height: 1.05; letter-spacing: -.02em; color: var(--accent); display: block;
}
.statgap__num--cost { color: var(--cost); }
.statgap__desc { display: block; margin-top: 8px; font-size: 14.5px; color: var(--ink-soft); max-width: 26ch; }
.statgap__q {
  padding: 24px 26px; display: flex; flex-direction: column; justify-content: center; gap: 8px;
  font-family: var(--font-head); font-style: italic; font-size: clamp(19px, 2.4vw, 23px);
  line-height: 1.3; color: var(--head-ink); background: color-mix(in srgb, var(--accent-2) 9%, var(--surface));
}
.statgap__q em { color: var(--accent); }
.statgap__src {
  font-family: var(--font-body); font-style: normal; font-size: 12px; font-weight: 600;
  color: var(--ink-soft); text-decoration: underline; text-underline-offset: 3px; align-self: flex-start;
}
@media (max-width: 720px) {
  .statgap { grid-template-columns: 1fr; }
  .statgap__item { border-right: 0; border-bottom: 1px solid var(--line); }
}

/* ============ Canada context strip ============ */
.statstrip { background: var(--dark-surface); padding: 15px 0; border-bottom: 1px solid rgba(255,255,255,.08); }
.statstrip__wrap {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: center;
  gap: 6px 16px; text-align: center; font-size: 14px; color: var(--dark-soft);
}
.statstrip__item strong { color: #fff; }
.statstrip__sep { color: var(--accent-2); font-weight: 700; }
.statstrip__src { color: var(--dark-soft); font-size: 12px; font-weight: 600; text-underline-offset: 3px; }
.statstrip__src:hover { color: #fff; }

/* ============ Real fund comparison ============ */
.cmpwrap {
  overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-lg);
  background: var(--surface); box-shadow: var(--shadow);
}
.cmp { width: 100%; border-collapse: collapse; min-width: 660px; }
.cmp th {
  text-align: left; font-size: 11px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase;
  color: var(--ink-soft); padding: 16px 22px; border-bottom: 1px solid var(--line-strong);
  background: var(--surface-2);
}
.cmp th.cmp__num-h { text-align: right; }
.cmp td { padding: 16px 22px; border-bottom: 1px solid var(--line); font-size: 15.5px; vertical-align: top; }
.cmp tr:last-child td { border-bottom: 0; }
.cmp td:first-child { font-weight: 600; color: var(--head-ink); }
.cmp__series { display: block; font-size: 12.5px; font-weight: 500; color: var(--ink-soft); margin-top: 2px; }
.cmp__pct { font-family: var(--font-num); font-weight: 600; color: var(--head-ink); white-space: nowrap; }
.cmp__cost { font-family: var(--font-num); font-weight: 600; color: var(--cost); text-align: right; white-space: nowrap; }
.cmp__note { margin-top: 18px; font-size: 13.5px; color: var(--ink-soft); max-width: 78ch; }

/* ============ Scope note ============ */
.scopecard__note { font-size: 13px; color: var(--ink-soft); font-style: normal; }

/* ============ Timeline: action node ============ */
.tl--action .tl__node { border-color: var(--accent-2); }
.tl--action .tl__node::after { background: var(--accent-2); }
.tl--action .tl__title { color: #93741f; }

/* ============ When your statement arrives ============ */
.notnew {
  background: var(--surface); border: 1px solid var(--line); border-left: 4px solid var(--accent-2);
  border-radius: var(--radius-lg); box-shadow: var(--shadow);
  padding: 26px 30px; margin-bottom: 30px; max-width: 74ch;
}
.notnew h3 { font-size: clamp(21px, 2.8vw, 25px); margin-bottom: 10px; }
.notnew p { font-size: 16.5px; color: var(--ink-soft); }
.notnew strong { color: var(--head-ink); }

/* ============ Toolkit closer ============ */
.qgrid__closer {
  margin-top: 30px; text-align: center;
  font-family: var(--font-head); font-style: italic; font-size: clamp(18px, 2.4vw, 22px);
  color: var(--head-ink);
}

/* ============ Share prompt ============ */
.share { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--line); display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.share__msg { font-weight: 600; color: var(--head-ink); font-size: 15.5px; }
.share__btn { font-size: 14px; padding: 11px 20px; }
.share__done { font-size: 13px; font-weight: 700; color: var(--accent); }

/* ============ Your options ============ */
.opts { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.optcard {
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 26px 28px; box-shadow: var(--shadow); display: flex; flex-direction: column;
}
.optcard__n { font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: #93741f; margin-bottom: 10px; }
.optcard h3 { font-size: 21px; margin-bottom: 8px; }
.optcard p { font-size: 15.5px; color: var(--ink-soft); flex: 1; }
.optcard__trade {
  margin-top: 18px; padding-top: 14px; border-top: 1px dashed var(--line-strong);
  display: grid; gap: 5px; font-size: 13.5px; color: var(--ink-soft);
}
.optcard__trade strong { font-weight: 700; }
@media (max-width: 680px) { .opts { grid-template-columns: 1fr; } }

/* ============ FAQ ============ */
.faq { display: grid; gap: 12px; max-width: 840px; }
.faqitem { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.faqitem summary {
  cursor: pointer; list-style: none; padding: 18px 22px;
  font-weight: 700; color: var(--head-ink); font-size: 16.5px;
  display: flex; justify-content: space-between; align-items: center; gap: 14px;
}
.faqitem summary::-webkit-details-marker { display: none; }
.faqitem summary::after { content: "▾"; color: var(--accent); flex: none; transition: transform .25s; }
.faqitem[open] summary::after { transform: rotate(180deg); }
.faqitem summary:hover { background: var(--surface-2); border-radius: var(--radius); }
.faqitem p { padding: 0 22px 20px; color: var(--ink-soft); font-size: 15.5px; max-width: 72ch; }
.faqitem strong { color: var(--head-ink); }

/* ============ About & Sources ============ */
.aboutgrid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 48px; align-items: start; }
.about p { font-size: 16.5px; color: var(--ink-soft); margin-top: 14px; max-width: 58ch; }
.about p:first-of-type { font-size: 18px; color: var(--ink); }
.sources { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 26px 28px; scroll-margin-top: 96px; }
.sources h3 { font-size: 20px; margin-bottom: 14px; }
.sources ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; font-size: 14px; color: var(--ink-soft); }
.sources a { color: var(--accent); font-weight: 600; text-underline-offset: 3px; }
@media (max-width: 800px) { .aboutgrid { grid-template-columns: 1fr; gap: 36px; } }