/* =====================================================================
   155 — "Renewal notice" landing: warm paper editorial theme.
   Forest green + amber on cream, serif display headings.
   Flexbox / grid layout, design tokens in :root, mobile-first.
   ===================================================================== */
:root {
    --paper: #F7F3EC;
    --paper-2: #EFE8DC;
    --card: #FFFDF9;
    --ink: #1B1A17;
    --ink-2: #3A3832;
    --muted: #6E695F;
    --line: #E2D9C9;
    --green: #1F5D46;
    --green-deep: #133D2E;
    --green-soft: #E3EFE8;
    --amber: #F2A93B;
    --amber-deep: #D98A16;
    --amber-soft: #FCF0DA;
    --red: #C8423B;
    --radius: 22px;
    --radius-s: 12px;
    --shadow: 0 30px 60px -32px rgba(27, 26, 23, .35);
    --shadow-s: 0 12px 30px -18px rgba(27, 26, 23, .3);
    --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
    --font-body: 'Manrope', 'Segoe UI', system-ui, sans-serif;
    --container: 1160px;
    --gutter: 22px;
}

/* ---------- reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
    margin: 0;
    font-family: var(--font-body);
    font-size: 17px;
    line-height: 1.65;
    color: var(--ink-2);
    background: var(--paper);
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}
img, svg, picture { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, p, ul, ol, figure, dl, dd, blockquote { margin: 0; }
ul, ol { padding: 0; list-style: none; }
s { text-decoration: none; }
em { font-style: normal; }
:focus-visible { outline: 3px solid var(--amber); outline-offset: 3px; border-radius: 6px; }
body.is-modal-open { overflow: hidden; }

.page { display: flex; flex-direction: column; min-height: 100vh; }
.main { flex: 1 0 auto; display: flex; flex-direction: column; }
.container { width: 100%; max-width: calc(var(--container) + var(--gutter) * 2); margin: 0 auto; padding: 0 var(--gutter); }
.container--narrow { max-width: calc(820px + var(--gutter) * 2); }

/* ---------- topbar ---------- */
.topbar {
    position: sticky; top: 0; z-index: 50;
    background: rgba(247, 243, 236, .9);
    -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
    border-bottom: 1px solid transparent;
    transition: border-color .25s, box-shadow .25s;
}
.topbar.is-stuck { border-color: var(--line); box-shadow: 0 8px 24px -20px rgba(27, 26, 23, .5); }
.topbar__inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 68px; }
.logo { display: inline-flex; align-items: center; }
.logo img, .footer__brand img { height: 40px; width: auto; }
.brand-mark { display: inline-flex; align-items: center; gap: 10px; color: var(--green); }
.brand-emblem { width: 38px; height: 38px; flex: none; }
.brand-name { font-family: var(--font-display); font-weight: 700; font-size: 22px; letter-spacing: -.01em; color: var(--ink); }
.topbar__meta { display: flex; align-items: center; gap: 14px; font-size: 13px; color: var(--muted); }
.topbar__date { display: none; }
.topbar__tag {
    padding: 5px 12px; border: 1px solid var(--ink); border-radius: 999px;
    font-size: 11px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--ink);
}

/* ---------- shared bits ---------- */
.kicker, .eyebrow {
    display: inline-flex; align-items: center; gap: 10px;
    font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--green);
}
.kicker::before { content: ""; width: 28px; height: 2px; background: var(--amber); }
.eyebrow__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--amber); }

.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 10px;
    min-height: 56px; padding: 0 28px; border-radius: 999px; border: 0; cursor: pointer;
    font-family: var(--font-body); font-size: 17px; font-weight: 800; letter-spacing: .01em;
    white-space: nowrap; flex-shrink: 0; text-align: center;
    transition: transform .2s, box-shadow .2s, background .2s;
}
.btn svg { width: 20px; height: 20px; transition: transform .2s; }
.btn:hover svg { transform: translateX(3px); }
.btn--primary { background: var(--green); color: #fff; box-shadow: 0 14px 28px -14px rgba(31, 93, 70, .8); }
.btn--primary:hover { background: var(--green-deep); transform: translateY(-2px); }
.btn--accent { background: var(--amber); color: var(--ink); box-shadow: 0 14px 28px -14px rgba(217, 138, 22, .9); }
.btn--accent:hover { background: var(--amber-deep); transform: translateY(-2px); }

/* ---------- hero ---------- */
.hero { padding: 40px 0 24px; position: relative; }
.hero::before {
    content: ""; position: absolute; inset: 0 0 30% 0; z-index: -1;
    background: radial-gradient(60% 70% at 85% 10%, var(--amber-soft), transparent 70%),
                radial-gradient(50% 60% at 0% 0%, var(--green-soft), transparent 70%);
}
.hero__grid { display: grid; gap: 36px; align-items: center; }
.hero__copy { display: flex; flex-direction: column; gap: 20px; }
.hero__title {
    font-family: var(--font-display); font-weight: 700; color: var(--ink);
    font-size: clamp(34px, 6vw, 58px); line-height: 1.06; letter-spacing: -.02em;
}
.hero__title .was { position: relative; color: var(--red); white-space: nowrap; }
.hero__title .was::after {
    content: ""; position: absolute; left: -4%; right: -4%; top: 52%; height: 4px;
    background: var(--red); border-radius: 4px; transform: rotate(-8deg);
}
.hero__title .now {
    color: var(--green); white-space: nowrap;
    background: linear-gradient(transparent 62%, var(--amber-soft) 62%, var(--amber-soft) 92%, transparent 92%);
}
.hero__lead { font-size: 19px; color: var(--ink-2); max-width: 560px; }
.hero__actions { display: flex; flex-direction: column; align-items: flex-start; gap: 18px; }
.trust { display: flex; flex-wrap: wrap; gap: 10px 20px; font-size: 15px; font-weight: 700; color: var(--ink); }
.trust li { display: inline-flex; align-items: center; gap: 7px; }
.trust svg { width: 18px; height: 18px; color: var(--green); }
.hero__note { margin-top: 22px; font-size: 12.5px; color: var(--muted); max-width: 880px; }

/* renewal notice card */
.notice {
    position: relative; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
    padding: 18px; box-shadow: var(--shadow); transform: rotate(-1.2deg);
}
.notice::before {
    content: ""; position: absolute; inset: 10px -10px -10px 10px; z-index: -1;
    border-radius: var(--radius); background: var(--paper-2); transform: rotate(2.5deg);
}
.notice__head { display: flex; flex-direction: column; gap: 2px; padding: 2px 96px 14px 4px; border-bottom: 1px dashed var(--line); }
.notice__label { font-family: var(--font-display); font-weight: 700; font-size: 20px; color: var(--ink); }
.notice__tag { font-size: 12px; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; }
.notice__photo { margin: 14px 0; border-radius: 14px; overflow: hidden; }
.notice__photo img { width: 100%; height: auto; aspect-ratio: 1400 / 910; object-fit: cover; }
.notice__rows { display: flex; flex-direction: column; gap: 8px; }
.notice__row { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; padding: 12px 14px; border-radius: 12px; background: var(--paper); }
.notice__row dt { font-size: 14px; font-weight: 700; color: var(--muted); }
.notice__row dd { font-family: var(--font-display); font-weight: 700; font-size: 24px; color: var(--ink); }
.notice__row dd s { color: var(--red); text-decoration: line-through; text-decoration-thickness: 2px; }
.notice__row small { font-family: var(--font-body); font-size: 13px; font-weight: 700; color: var(--muted); margin-left: 2px; }
.notice__row--new { background: var(--green); }
.notice__row--new dt, .notice__row--new small { color: rgba(255, 255, 255, .75); }
.notice__row--new dd { color: #fff; font-size: 30px; }
.notice__stamp {
    position: absolute; top: -18px; right: -10px; width: 104px; height: 104px; border-radius: 50%;
    display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center;
    background: var(--amber); color: var(--ink); font-size: 11px; font-weight: 800; line-height: 1.15; text-transform: uppercase; letter-spacing: .06em;
    box-shadow: 0 12px 24px -12px rgba(217, 138, 22, .9); transform: rotate(10deg);
    border: 3px dashed rgba(27, 26, 23, .25);
}
.notice__stamp strong { font-family: var(--font-display); font-size: 28px; letter-spacing: -.01em; }

/* ---------- age picker ---------- */
.quiz { padding: 28px 0 12px; scroll-margin-top: 80px; }
.quiz__card {
    background: var(--ink); color: #fff; border-radius: 28px; padding: 30px 22px 26px;
    box-shadow: var(--shadow); position: relative; overflow: hidden;
}
.quiz__card::after {
    content: ""; position: absolute; width: 280px; height: 280px; right: -110px; top: -140px; border-radius: 50%;
    background: radial-gradient(circle, rgba(242, 169, 59, .35), transparent 70%);
}
.quiz__meta { display: flex; justify-content: space-between; font-size: 13px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.quiz__step { color: var(--amber); }
.quiz__hint { color: rgba(255, 255, 255, .6); }
.quiz__bar { height: 6px; border-radius: 6px; background: rgba(255, 255, 255, .12); margin: 14px 0 22px; overflow: hidden; }
.quiz__bar-fill { display: block; width: 25%; height: 100%; border-radius: 6px; background: var(--amber); }
.quiz__title { font-family: var(--font-display); font-weight: 700; font-size: clamp(28px, 4.6vw, 40px); line-height: 1.1; text-align: center; margin-bottom: 22px; }
.quiz__options { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; position: relative; z-index: 1; }
.opt {
    display: flex; align-items: center; justify-content: space-between; gap: 10px;
    min-height: 64px; padding: 0 18px; border-radius: 16px;
    background: var(--card); color: var(--ink); font-size: 18px; font-weight: 800;
    transition: background .2s, transform .2s, color .2s;
}
.opt svg { width: 20px; height: 20px; color: var(--green); transition: transform .2s; }
.opt:hover { background: var(--amber); transform: translateY(-2px); }
.opt:hover svg { transform: translateX(3px); color: var(--ink); }
.opt:last-child { grid-column: 1 / -1; }
.quiz__note { margin-top: 18px; text-align: center; font-size: 13px; font-weight: 800; letter-spacing: .08em; color: var(--amber); }

/* ---------- stats ---------- */
.stats { padding: 36px 0; }
.stats__grid { display: grid; gap: 14px; }
.stat {
    display: flex; align-items: baseline; gap: 14px; padding: 18px 20px;
    border-top: 2px solid var(--ink);
}
.stat__value { font-family: var(--font-display); font-weight: 700; font-size: 40px; line-height: 1; color: var(--green); }
.stat__label { font-size: 15px; font-weight: 700; color: var(--ink-2); }

/* ---------- article / info ---------- */
.article { counter-reset: sec; padding-bottom: 20px; }
.info { padding: 46px 0; scroll-margin-top: 70px; }
.info + .info { border-top: 1px solid var(--line); }
.info__title {
    font-family: var(--font-display); font-weight: 700; color: var(--ink);
    font-size: clamp(27px, 3.8vw, 38px); line-height: 1.14; letter-spacing: -.015em; margin: 10px 0 18px;
}
.article .info:not(.info--intro) > .container > .info__title::before {
    counter-increment: sec; content: "§ " counter(sec, decimal-leading-zero);
    display: block; margin-bottom: 8px;
    font-family: var(--font-body); font-size: 13px; font-weight: 800; letter-spacing: .14em; color: var(--amber-deep);
}
.info p + p, .info p + ul, .info ul + p, .info p + ol, .info ol + p, .info .table-wrap + p { margin-top: 16px; }
.info a:not(.btn) { color: var(--green); font-weight: 700; text-decoration: underline; text-decoration-color: var(--amber); text-underline-offset: 3px; }
.info__lead { font-size: 19px; color: var(--ink); }
.info__updated { margin-top: 14px; font-size: 14px; color: var(--muted); }
.info__sub { font-family: var(--font-display); font-weight: 700; font-size: 22px; color: var(--ink); margin: 26px 0 10px; }
.info__cta { margin-top: 26px !important; }

.intro-grid { display: grid; gap: 18px; margin-top: 26px; }
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow-s); }
.card__title { font-family: var(--font-display); font-weight: 700; font-size: 22px; color: var(--ink); margin-bottom: 14px; }

.ticks { display: flex; flex-direction: column; gap: 12px; }
.ticks li { position: relative; padding-left: 34px; }
.ticks li::before {
    content: ""; position: absolute; left: 0; top: 3px; width: 22px; height: 22px; border-radius: 7px;
    background: var(--green-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4L18 8' fill='none' stroke='%231F5D46' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 15px no-repeat;
}
.ticks--grid { display: grid; gap: 12px; }
.ticks--grid li { background: var(--card); border: 1px solid var(--line); border-radius: 14px; padding: 14px 16px 14px 48px; }
.ticks--grid li::before { left: 14px; top: 16px; }
.dots { display: flex; flex-direction: column; gap: 10px; }
.dots li { position: relative; padding-left: 22px; }
.dots li::before { content: ""; position: absolute; left: 2px; top: 11px; width: 8px; height: 8px; border-radius: 50%; background: var(--amber); }

.toc { background: var(--green); color: #fff; border-radius: var(--radius); padding: 24px; }
.toc__title { font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--amber); margin-bottom: 12px; }
.toc ol { counter-reset: toc; display: flex; flex-direction: column; }
.toc li { counter-increment: toc; border-top: 1px solid rgba(255, 255, 255, .14); }
.toc li:first-child { border-top: 0; }
.toc a { display: flex; gap: 12px; padding: 9px 0; font-weight: 700; color: #fff !important; text-decoration: none !important; }
.toc a::before { content: counter(toc, decimal-leading-zero); color: rgba(255, 255, 255, .5); font-variant-numeric: tabular-nums; }
.toc a:hover { color: var(--amber) !important; }

.split { display: grid; gap: 8px 32px; }
.pull {
    margin-top: 26px; padding: 22px 24px; border-left: 4px solid var(--amber); background: var(--amber-soft);
    border-radius: 0 16px 16px 0; font-family: var(--font-display); font-size: 20px; line-height: 1.45; color: var(--ink);
}
.callout { margin-top: 20px !important; padding: 16px 18px; border-radius: 14px; background: var(--green-soft); color: var(--green-deep); font-weight: 600; }

.steps { display: grid; gap: 14px; margin: 22px 0; counter-reset: none; }
.steps__item { display: flex; gap: 16px; align-items: flex-start; padding: 20px; background: var(--card); border: 1px solid var(--line); border-radius: 18px; }
.steps__num {
    flex: none; width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center;
    background: var(--amber); color: var(--ink); font-family: var(--font-display); font-weight: 700; font-size: 22px;
}
.steps__title { font-size: 18px; font-weight: 800; color: var(--ink); margin-bottom: 4px; }

.table-wrap { margin-top: 20px; overflow-x: auto; border: 1px solid var(--line); border-radius: 18px; background: var(--card); -webkit-overflow-scrolling: touch; }
.compare { width: 100%; min-width: 680px; border-collapse: collapse; font-size: 15px; }
.compare th, .compare td { padding: 14px 16px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
.compare thead th { background: var(--ink); color: #fff; font-size: 12px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.compare tbody th { color: var(--green); font-weight: 800; min-width: 150px; }
.compare td { min-width: 150px; }
.compare tbody tr:nth-child(even) { background: var(--paper); }
.compare tbody tr:last-child th, .compare tbody tr:last-child td { border-bottom: 0; }

.numbered { counter-reset: num; display: flex; flex-direction: column; gap: 12px; margin: 20px 0; }
.numbered li { counter-increment: num; position: relative; padding-left: 46px; }
.numbered li::before {
    content: counter(num); position: absolute; left: 0; top: 0; width: 32px; height: 32px; border-radius: 50%;
    display: grid; place-items: center; border: 2px solid var(--green); color: var(--green); font-weight: 800; font-size: 15px;
}
.numbered strong { color: var(--ink); }

/* FAQ accordion */
.faq { display: flex; flex-direction: column; gap: 10px; margin-top: 10px; }
.faq__item { background: var(--card); border: 1px solid var(--line); border-radius: 16px; transition: border-color .2s, box-shadow .2s; }
.faq__item[open] { border-color: var(--green); box-shadow: var(--shadow-s); }
.faq__item summary { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 18px 20px; cursor: pointer; list-style: none; }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__q { font-family: var(--font-body); font-size: 17px; font-weight: 800; color: var(--ink); }
.faq__icon { flex: none; position: relative; width: 28px; height: 28px; border-radius: 50%; background: var(--green-soft); }
.faq__icon::before, .faq__icon::after { content: ""; position: absolute; left: 8px; right: 8px; top: 13px; height: 2px; border-radius: 2px; background: var(--green); transition: transform .2s; }
.faq__icon::after { transform: rotate(90deg); }
.faq__item[open] .faq__icon::after { transform: rotate(0); }
.faq__a { padding: 0 20px 20px; }

.about { background: var(--card); }
.about .info__title { margin-top: 0; }
.about .dots { margin-top: 16px; }
.sources { margin-top: 20px !important; padding-top: 16px; border-top: 1px dashed var(--line); font-size: 14px; color: var(--muted); }
.sources strong { color: var(--ink); }

.info--text p { color: var(--ink-2); }

/* ---------- CTA ---------- */
.cta { padding: 26px 0; }
.cta__band {
    display: flex; flex-direction: column; gap: 20px; align-items: flex-start;
    padding: 30px 26px; border-radius: 28px; background: var(--green); color: #fff; position: relative; overflow: hidden;
}
.cta__band::after {
    content: ""; position: absolute; right: -60px; bottom: -80px; width: 240px; height: 240px; border-radius: 50%;
    border: 36px solid rgba(242, 169, 59, .22);
}
.cta__copy { position: relative; z-index: 1; }
.cta__title { font-family: var(--font-display); font-weight: 700; font-size: clamp(26px, 3.6vw, 34px); line-height: 1.15; }
.cta__text { margin-top: 8px; color: rgba(255, 255, 255, .82); }
.cta .btn { position: relative; z-index: 1; }

/* ---------- legal pages ---------- */
.legal { padding: 40px 0 60px; }
.legal__head { display: flex; flex-direction: column; gap: 12px; padding-bottom: 24px; border-bottom: 2px solid var(--ink); margin-bottom: 26px; }
.legal__title { font-family: var(--font-display); font-weight: 700; font-size: clamp(34px, 5vw, 48px); line-height: 1.08; color: var(--ink); }
.legal__date { font-size: 14px; font-weight: 700; color: var(--muted); }
.legal__related, .legal__back { font-size: 15px; }
.legal__related a, .legal__back a, .legal__body a { color: var(--green); font-weight: 700; text-decoration: underline; text-decoration-color: var(--amber); text-underline-offset: 3px; }
.legal__body { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 22px; }
.legal__body h2 { font-family: var(--font-display); font-weight: 700; font-size: 23px; color: var(--ink); margin: 30px 0 10px; }
.legal__body h2:first-child { margin-top: 0; }
.legal__body h3 { font-size: 18px; font-weight: 800; color: var(--ink); margin: 20px 0 8px; }
.legal__body p + p, .legal__body p + ul, .legal__body ul + p { margin-top: 12px; }
.legal__body ul { display: flex; flex-direction: column; gap: 8px; margin: 12px 0; }
.legal__body ul li { position: relative; padding-left: 22px; }
.legal__body ul li::before { content: ""; position: absolute; left: 2px; top: 11px; width: 7px; height: 7px; border-radius: 50%; background: var(--amber); }
.legal__body .btn { color: #fff; text-decoration: none; margin-top: 8px; }
.crumbs ol { display: flex; flex-wrap: wrap; gap: 6px; font-size: 14px; color: var(--muted); }
.crumbs li + li::before { content: "/"; margin-right: 6px; color: var(--line); }
.crumbs a { color: var(--green); font-weight: 700; }

/* ---------- footer ---------- */
.footer { margin-top: 30px; background: var(--ink); color: rgba(255, 255, 255, .62); padding: 44px 0 30px; font-size: 13.5px; line-height: 1.6; }
.footer__top { display: flex; flex-direction: column; gap: 22px; padding-bottom: 26px; border-bottom: 1px solid rgba(255, 255, 255, .12); }
.footer__id { display: flex; flex-direction: column; gap: 10px; }
.footer .brand-mark { color: var(--amber); }
.footer .brand-name { color: #fff; }
.footer__tagline { max-width: 360px; color: rgba(255, 255, 255, .7); font-size: 15px; }
.footer__nav { display: flex; flex-wrap: wrap; gap: 10px; }
.footer__nav a { padding: 8px 16px; border: 1px solid rgba(255, 255, 255, .22); border-radius: 999px; color: #fff; font-weight: 700; font-size: 14px; transition: background .2s, color .2s; }
.footer__nav a:hover { background: var(--amber); border-color: var(--amber); color: var(--ink); }
.footer__legal { display: grid; gap: 12px; padding-top: 24px; }
.footer__copy { margin-top: 24px; color: rgba(255, 255, 255, .85); font-weight: 700; }

/* ---------- back to top ---------- */
.to-top {
    position: fixed; right: 18px; bottom: 18px; z-index: 40; width: 48px; height: 48px; border-radius: 50%;
    display: grid; place-items: center; background: var(--green); color: #fff; box-shadow: var(--shadow-s);
    opacity: 0; visibility: hidden; transform: translateY(10px); transition: opacity .25s, transform .25s, visibility .25s;
}
.to-top svg { width: 22px; height: 22px; }
.to-top.is-visible { opacity: 1; visibility: visible; transform: none; }

/* ---------- modal ---------- */
.modal { position: fixed; inset: 0; z-index: 100; display: flex; align-items: center; justify-content: center; padding: 20px; }
.modal[hidden] { display: none; }
.modal__backdrop { position: absolute; inset: 0; background: rgba(19, 26, 22, .62); opacity: 0; transition: opacity .3s; }
.modal__box {
    position: relative; width: 100%; max-width: 440px; padding: 40px 28px 28px; text-align: center;
    background: var(--card); border-radius: 26px; border-top: 8px solid var(--amber); box-shadow: 0 40px 80px -30px rgba(0, 0, 0, .6);
    opacity: 0; transform: translateY(18px) scale(.96); transition: opacity .3s, transform .3s;
}
.modal.is-open .modal__backdrop { opacity: 1; }
.modal.is-open .modal__box { opacity: 1; transform: none; }
.modal__close {
    position: absolute; top: 12px; right: 12px; width: 38px; height: 38px; border-radius: 50%; border: 0; cursor: pointer;
    display: grid; place-items: center; background: var(--paper); color: var(--ink);
}
.modal__close svg { width: 16px; height: 16px; }
.modal__kicker { font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--green); }
.modal__title { margin: 8px 0 22px; font-family: var(--font-display); font-weight: 700; font-size: 30px; line-height: 1.15; color: var(--ink); }
.btn--modal { width: 100%; }
.modal__note { margin-top: 12px; font-size: 13px; color: var(--muted); }

/* ---------- reveal ---------- */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .6s ease, transform .6s ease; }
.reveal.is-in { opacity: 1; transform: none; }
.reveal--delay { transition-delay: .1s; }
.reveal--delay-2 { transition-delay: .2s; }
@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    .reveal { opacity: 1; transform: none; transition: none; }
}

/* ---------- breakpoints ---------- */
@media (min-width: 640px) {
    .topbar__date { display: inline; }
    .quiz__card { padding: 36px 34px 30px; }
    .quiz__options { grid-template-columns: repeat(3, 1fr); }
    .opt:last-child { grid-column: auto; }
    .opt:nth-child(4) { grid-column: 1 / 2; }
    .stats__grid { grid-template-columns: repeat(3, 1fr); }
    .stat { flex-direction: column; gap: 8px; }
    .ticks--grid { grid-template-columns: 1fr 1fr; }
    .split { grid-template-columns: 1fr 1fr; }
    .cta__band { flex-direction: row; align-items: center; justify-content: space-between; padding: 36px 40px; }
    .footer__top { flex-direction: row; justify-content: space-between; align-items: flex-start; }
    .footer__legal { grid-template-columns: 1fr 1fr; gap: 14px 30px; }
    .legal__body { padding: 36px 40px; }
}
@media (min-width: 860px) {
    .hero { padding: 64px 0 30px; }
    .hero__grid { grid-template-columns: 1.08fr .92fr; gap: 56px; }
    .hero__actions { flex-direction: row; align-items: center; flex-wrap: wrap; }
    .quiz__options { grid-template-columns: repeat(5, 1fr); }
    .opt:nth-child(4) { grid-column: auto; }
    .opt { flex-direction: column; justify-content: center; text-align: center; min-height: 92px; padding: 12px; }
    .intro-grid { grid-template-columns: 1.25fr .75fr; align-items: start; }
    .toc { position: sticky; top: 90px; }
    .info { padding: 58px 0; }
}

/* =====================================================================
   Navigation, tools strip, calculator, blog (added in v1.1)
   ===================================================================== */
.topbar__inner { gap: 12px; }
.topnav { display: flex; align-items: center; gap: 22px; margin-left: auto; margin-right: 6px; }
.topnav a { padding: 8px 14px; border-radius: 999px; font-size: 14px; font-weight: 800; color: var(--ink); transition: background .2s; }
.topnav a:hover, .topnav a[aria-current="page"] { background: var(--green-soft); color: var(--green); }
.topbar__meta { flex: none; }

/* tools strip on the home page */
.tools { padding: 10px 0 20px; }
.tools__grid { display: grid; gap: 14px; }
.tool-card { display: flex; flex-direction: column; gap: 10px; padding: 24px; border-radius: var(--radius); border: 1px solid var(--line); background: var(--card); box-shadow: var(--shadow-s); }
.tool-card--calc { background: var(--green); color: #fff; border-color: var(--green); transition: transform .2s; }
.tool-card--calc:hover { transform: translateY(-3px); }
.tool-card__kicker { font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--amber-deep); }
.tool-card--calc .tool-card__kicker { color: var(--amber); }
.tool-card__title { font-family: var(--font-display); font-weight: 700; font-size: 26px; line-height: 1.15; }
.tool-card__text { color: rgba(255, 255, 255, .82); }
.tool-card__go { display: inline-flex; align-items: center; gap: 8px; margin-top: auto; font-weight: 800; }
.tool-card__go svg { width: 18px; height: 18px; }
.tool-card--blog .tool-card__go { color: var(--green); }
.tool-card__posts { display: flex; flex-direction: column; }
.tool-card__posts li { display: flex; flex-direction: column; gap: 2px; padding: 10px 0; border-bottom: 1px dashed var(--line); }
.tool-card__posts a { font-weight: 800; color: var(--ink); }
.tool-card__posts a:hover { color: var(--green); }
.tool-card__posts span { font-size: 13px; color: var(--muted); }

/* shared "quick answer" box (calculator + posts) */
.answer { margin: 24px 0; padding: 20px 22px; border-radius: 18px; background: var(--amber-soft); border: 1px solid #F3D9A8; }
.answer__label { font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--amber-deep); margin-bottom: 6px; }
.answer p:last-child { color: var(--ink); font-size: 17.5px; }

/* calculator page */
.calc-hero, .blog-hero { padding: 34px 0 8px; }
.calc-hero .crumbs, .blog-hero .crumbs, .post__head .crumbs { margin-bottom: 16px; }
.calc-hero__title, .blog-hero__title, .post__title {
    margin: 10px 0 14px; font-family: var(--font-display); font-weight: 700; color: var(--ink);
    font-size: clamp(32px, 5vw, 50px); line-height: 1.08; letter-spacing: -.02em; max-width: 900px;
}
.calc-hero__lead, .blog-hero__lead { font-size: 19px; max-width: 760px; }
.calc-section { padding: 10px 0 30px; }
.calc { display: grid; gap: 20px; align-items: start; }
.calc-form { display: flex; flex-direction: column; gap: 16px; }
.calc-group { margin: 0; padding: 20px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--card); min-width: 0; }
.calc-group__title { float: left; width: 100%; display: flex; align-items: center; gap: 10px; padding: 0; font-family: var(--font-display); font-weight: 700; font-size: 20px; color: var(--ink); }
.calc-group__title span { display: grid; place-items: center; width: 28px; height: 28px; border-radius: 50%; background: var(--amber); color: var(--ink); font-family: var(--font-body); font-size: 14px; font-weight: 800; }
.calc-grid { display: grid; gap: 14px; margin-top: 14px; clear: both; }
.calc-field { display: flex; flex-direction: column; gap: 6px; transition: opacity .2s; min-width: 0; }
.calc-field.is-muted { opacity: .45; }
.calc-field__label { font-size: 14px; font-weight: 800; color: var(--ink); }
.calc-field__select {
    appearance: none; -webkit-appearance: none; width: 100%; min-height: 50px; padding: 0 40px 0 14px;
    border: 1.5px solid var(--line); border-radius: 12px; background: var(--paper) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 9l6 6 6-6' fill='none' stroke='%231F5D46' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") right 12px center / 18px no-repeat;
    font: 600 16px var(--font-body); color: var(--ink); cursor: pointer;
}
.calc-field__select:focus { border-color: var(--green); outline: none; box-shadow: 0 0 0 3px var(--green-soft); }
.calc-field__help { font-size: 13px; color: var(--muted); line-height: 1.45; }
.calc-checks { display: grid; gap: 8px; margin-top: 14px; clear: both; }
.calc-check { display: flex; align-items: center; gap: 10px; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 12px; background: var(--paper); cursor: pointer; font-weight: 700; color: var(--ink); }
.calc-check input { width: 20px; height: 20px; accent-color: var(--green); flex: none; }
.calc-check:has(input:checked) { border-color: var(--green); background: var(--green-soft); }
.calc-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.calc-reset { border: 0; background: none; font: 800 15px var(--font-body); color: var(--muted); text-decoration: underline; cursor: pointer; }
.calc-result { padding: 26px 22px; border-radius: 28px; background: var(--ink); color: rgba(255, 255, 255, .8); box-shadow: var(--shadow); scroll-margin-top: 80px; }
.calc-result__label { font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--amber); }
.calc-result__value { margin-top: 6px; font-family: var(--font-display); font-weight: 700; font-size: 58px; line-height: 1; color: #fff; }
.calc-result__value small { font-family: var(--font-body); font-size: 18px; color: rgba(255, 255, 255, .6); margin-left: 4px; }
.calc-result__range { margin-top: 10px; font-weight: 800; color: #fff; }
.calc-result__annual, .calc-result__summary { font-size: 14px; color: rgba(255, 255, 255, .6); }
.calc-bars { display: flex; flex-direction: column; gap: 10px; margin: 20px 0 6px; padding: 16px; border-radius: 16px; background: rgba(255, 255, 255, .06); }
.calc-bar { display: grid; grid-template-columns: 112px 1fr auto; align-items: center; gap: 10px; font-size: 13.5px; }
.calc-bar[hidden] { display: none; }
.calc-bar__track { height: 8px; border-radius: 8px; background: rgba(255, 255, 255, .12); overflow: hidden; }
.calc-bar__fill { display: block; height: 100%; border-radius: 8px; background: var(--amber); transition: width .4s; }
#barColl .calc-bar__fill { background: #7CC4A4; }
#barComp .calc-bar__fill { background: #E9D8B4; }
.calc-bar__val { font-weight: 800; color: #fff; font-variant-numeric: tabular-nums; }
.calc-result__sub { margin: 18px 0 8px; font-size: 13px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--amber); }
.calc-list { display: flex; flex-direction: column; gap: 8px; font-size: 14.5px; }
.calc-list li { position: relative; padding-left: 20px; }
.calc-list li::before { content: ""; position: absolute; left: 2px; top: 9px; width: 8px; height: 8px; border-radius: 50%; background: rgba(255, 255, 255, .5); }
.calc-list li.is-up::before { background: #F08A80; }
.calc-list li.is-down::before { background: #7CC4A4; }
.calc-list--tips li::before { background: var(--amber); }
.calc-result__cta { width: 100%; margin-top: 22px; }
.calc-result__note { margin-top: 12px; font-size: 12.5px; color: rgba(255, 255, 255, .55); }
.calc-disclaimer { margin-top: 16px; font-size: 13px; color: var(--muted); max-width: 900px; }
.calc-method { margin-top: 20px; }
.calc-method td { font-size: 14px; }
.calc-method__note { display: block; font-size: 12px; font-weight: 600; color: var(--muted); }
.compare caption { caption-side: top; text-align: left; padding: 12px 16px; font-size: 13px; font-weight: 800; color: var(--muted); }

/* blog listing */
.blog-list { padding: 20px 0 30px; }
.post-grid { display: grid; gap: 16px; }
.post-card { display: flex; flex-direction: column; gap: 10px; padding: 22px; border-radius: var(--radius); background: var(--card); border: 1px solid var(--line); transition: border-color .2s, transform .2s, box-shadow .2s; position: relative; }
.post-card:hover { border-color: var(--green); transform: translateY(-3px); box-shadow: var(--shadow-s); }
.post-card__meta { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; font-size: 13px; color: var(--muted); }
.post-card__cat { padding: 3px 10px; border-radius: 999px; background: var(--green-soft); color: var(--green); font-weight: 800; }
.post-card__title { font-family: var(--font-display); font-weight: 700; font-size: 22px; line-height: 1.22; color: var(--ink); }
.post-card__title a::after { content: ""; position: absolute; inset: 0; border-radius: var(--radius); }
.post-card__excerpt { font-size: 15.5px; }
.post-card__more { margin-top: auto; font-size: 14px; font-weight: 800; color: var(--green); }
.post-card--featured { background: var(--green); border-color: var(--green); color: rgba(255, 255, 255, .85); }
.post-card--featured .post-card__title { color: #fff; font-size: 28px; }
.post-card--featured .post-card__cat { background: var(--amber); color: var(--ink); }
.post-card--featured .post-card__meta, .post-card--featured .post-card__more { color: rgba(255, 255, 255, .75); }

/* single post */
.post__head { padding: 34px 0 6px; }
.post__meta { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: 14px; color: var(--muted); }
.post__intro-grid { display: grid; gap: 16px; margin-bottom: 10px; }
.post__intro-grid .card__title { font-size: 20px; }
.post__body { margin-top: 16px; font-size: 17.5px; }
.post__body > * + * { margin-top: 16px; }
.post__body h2 { margin-top: 40px; font-family: var(--font-display); font-weight: 700; font-size: clamp(24px, 3.2vw, 31px); line-height: 1.18; color: var(--ink); scroll-margin-top: 80px; }
.post__body h3 { margin-top: 26px; font-family: var(--font-display); font-weight: 700; font-size: 21px; color: var(--ink); }
.post__body a { color: var(--green); font-weight: 700; text-decoration: underline; text-decoration-color: var(--amber); text-underline-offset: 3px; }
.post__body strong { color: var(--ink); }
.post__body ul { display: flex; flex-direction: column; gap: 8px; }
.post__body ul li { position: relative; padding-left: 22px; }
.post__body ul li::before { content: ""; position: absolute; left: 2px; top: 11px; width: 8px; height: 8px; border-radius: 50%; background: var(--amber); }
.post__body ol { counter-reset: pnum; display: flex; flex-direction: column; gap: 10px; }
.post__body ol li { counter-increment: pnum; position: relative; padding-left: 40px; }
.post__body ol li::before { content: counter(pnum); position: absolute; left: 0; top: 0; width: 28px; height: 28px; border-radius: 50%; display: grid; place-items: center; border: 2px solid var(--green); color: var(--green); font-weight: 800; font-size: 14px; }
.post__body blockquote { margin: 24px 0; padding: 18px 22px; border-left: 4px solid var(--amber); background: var(--amber-soft); border-radius: 0 16px 16px 0; font-family: var(--font-display); font-size: 19px; color: var(--ink); }
.post__body table { display: block; width: 100%; overflow-x: auto; border-collapse: collapse; font-size: 15px; border: 1px solid var(--line); border-radius: 16px; background: var(--card); }
.post__body th, .post__body td { padding: 12px 14px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); min-width: 140px; }
.post__body thead th { background: var(--ink); color: #fff; font-size: 12px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.post__body tbody th { color: var(--green); }
.post__cta { display: flex; flex-direction: column; gap: 16px; align-items: flex-start; margin: 36px 0; padding: 24px; border-radius: var(--radius); background: var(--green); color: rgba(255, 255, 255, .82); }
.post__cta-title { font-family: var(--font-display); font-weight: 700; font-size: 23px; color: #fff; }
.post__h2 { font-family: var(--font-display); font-weight: 700; font-size: 28px; color: var(--ink); margin-bottom: 12px; }
.post__faq { margin-top: 10px; scroll-margin-top: 80px; }
.post__foot { margin: 28px 0 10px; padding-top: 18px; border-top: 1px dashed var(--line); }
.post__disclaimer { margin-top: 10px; font-size: 13px; color: var(--muted); }
.related { padding: 40px 0 20px; }
.related__title { font-family: var(--font-display); font-weight: 700; font-size: 30px; color: var(--ink); margin-bottom: 16px; }
.related__links { margin-top: 20px; font-weight: 800; }
.related__links a { color: var(--green); text-decoration: underline; text-decoration-color: var(--amber); text-underline-offset: 3px; }

@media (max-width: 639px) {
    .topbar__tag { display: none; }
    .topnav { gap: 8px; margin-right: 0; }
    .topnav a { padding: 7px 10px; font-size: 13.5px; }
}
@media (min-width: 640px) {
    .tools__grid { grid-template-columns: 1fr 1fr; }
    .calc-grid { grid-template-columns: 1fr 1fr; }
    .calc-checks { grid-template-columns: 1fr 1fr; }
    .post-grid { grid-template-columns: 1fr 1fr; }
    .post-card--featured { grid-column: 1 / -1; }
    .post__cta { flex-direction: row; align-items: center; justify-content: space-between; padding: 28px 32px; }
}
@media (min-width: 960px) {
    .calc { grid-template-columns: 1.25fr .75fr; gap: 28px; }
    .calc-result { position: sticky; top: 86px; }
    .post-grid { grid-template-columns: repeat(3, 1fr); }
    .post-card--featured { grid-column: span 2; }
    .post__intro-grid { grid-template-columns: 1.2fr .8fr; align-items: start; }
}