:root {
  /* USA Fin Planning palette — editorial advisory: warm paper, deep evergreen, clay accent */
  --color-primary: #1f3d2e;
  --color-primary-dark: #16291f;
  --color-cta: #b9542d;
  --color-cta-hover: #9c4424;
  --color-bg: #f5efe2;
  --color-card: #fffdf8;
  --color-text: #2c2a24;
  --color-text-muted: #6b6456;
  --color-accent: #a9762f;
  --color-border: #2c2a24;
  --color-soft-border: #e3dac7;
  --color-footer-bg: #16291f;
  --color-footer-text: #f5efe2;
  --color-disclaimer-text: rgba(245, 239, 226, 0.78);
  --color-success-icon: #1f3d2e;
  --color-legal-note-bg: #efe7d6;
  --color-legal-note-border: #a9762f;
  --color-hero-tint: #ece3d1;
  --color-ink: #16241c;

  --card-max-width: 520px;
  --content-max-width: 880px;
  --card-radius: 6px;
  --card-border: 1px solid var(--color-soft-border);
  --card-shadow: 0 10px 30px rgba(22, 41, 31, 0.08);
  --soft-shadow: 0 1px 2px rgba(22, 41, 31, 0.05);
  --top-bar-height: 56px;
  --cta-radius: 3px;
  --mobile-breakpoint: 600px;

  --font-sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-serif: "Fraunces", Georgia, "Times New Roman", serif;
  --fw-regular: 400;
  --fw-medium: 500;
  --fw-bold: 700;
  --fw-black: 900;
}

* { box-sizing: border-box; }

html, body { height: 100%; }

body {
  font-family: var(--font-sans);
  margin: 0;
  padding: 0;
  background-color: var(--color-bg);
  color: var(--color-text);
  display: flex;
  flex-direction: column;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  line-height: 1.5;
}

a { color: var(--color-primary); text-decoration: underline; }
a:hover { color: var(--color-primary-dark); }

/* ---------- Editorial heading typography (serif display face) ---------- */
h1, h2, h3, h4,
.hero-title, .headline,
.site-header .brand-mark, .top-bar .brand {
  font-family: var(--font-serif);
  letter-spacing: -0.012em;
}

/* ---------- Top bar ---------- */
.top-bar {
  height: var(--top-bar-height);
  background-color: var(--color-card);
  border-top: 3px solid var(--color-cta);
  border-bottom: 1px solid var(--color-soft-border);
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary-dark);
  font-weight: var(--fw-bold);
  font-size: 1rem;
  letter-spacing: -0.01em;
}

.top-bar .brand { color: var(--color-primary-dark); text-decoration: none; }
.top-bar .brand:hover { color: var(--color-primary); opacity: 1; }

/* ---------- Main wrapper ---------- */
.main-content {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 30px 20px;
  width: 100%;
}

.content-wrap {
  width: 100%;
  max-width: var(--content-max-width);
  margin: 0 auto;
}

/* ---------- Hero card (used on every lander) ---------- */
.card {
  background-color: var(--color-card);
  border-radius: var(--card-radius);
  box-shadow: var(--card-shadow);
  width: 100%;
  max-width: var(--card-max-width);
  text-align: center;
  border: var(--card-border);
  margin: 0 auto 30px;
}

.card-header {
  background-color: var(--color-primary);
  color: #ffffff;
  padding: 15px 20px;
  border-radius: 12px 12px 0 0;
}

.card-header h1,
.card-header h2 {
  margin: 0;
  font-size: 1.2rem;
  font-weight: var(--fw-bold);
  line-height: 1.3;
}

.card-body { padding: 30px 20px; }

.hero-icon-container { margin-bottom: 10px; }
.hero-icon-container i {
  color: var(--color-success-icon);
  font-size: 4rem;
  font-weight: var(--fw-black);
}

.subtitle {
  font-size: 1.05rem;
  color: var(--color-text);
  margin: 8px 0 0;
  font-weight: var(--fw-medium);
  text-transform: uppercase;
  letter-spacing: 0.02em;
}

.headline {
  font-size: 2.1rem;
  color: var(--color-primary-dark);
  font-weight: var(--fw-black);
  margin: 8px 0;
  line-height: 1.15;
}

.subhead {
  font-size: 1rem;
  color: var(--color-text-muted);
  margin: 0 0 22px;
  font-weight: var(--fw-medium);
}

.steps-container {
  text-align: left;
  margin: 0 auto 25px;
  display: inline-block;
  font-size: 1rem;
}

.step {
  margin-bottom: 12px;
  color: var(--color-text);
  font-weight: var(--fw-bold);
}
.step-label { color: var(--color-accent); font-weight: var(--fw-bold); }
.step-text { font-weight: var(--fw-bold); }

.cta-button {
  display: block;
  background-color: var(--color-cta);
  color: #ffffff !important;
  text-decoration: none;
  padding: 15px 0;
  border-radius: var(--cta-radius);
  font-size: 1.2rem;
  font-weight: var(--fw-bold);
  text-transform: none;
  margin: 0 0 14px;
  transition: background-color 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
  width: 100%;
  box-shadow: 0 4px 12px rgba(79, 70, 229, 0.28);
  letter-spacing: -0.01em;
}
.cta-button:hover {
  background-color: var(--color-cta-hover);
  color: #fff !important;
  transform: translateY(-1px);
  box-shadow: 0 8px 18px rgba(79, 70, 229, 0.32);
}

.cta-microcopy {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin: 0;
}
.cta-microcopy i { margin-right: 6px; color: var(--color-accent); }

/* ---------- Content sections (under the hero card) ---------- */
.section {
  background-color: var(--color-card);
  border-radius: 16px;
  box-shadow: var(--soft-shadow);
  border: 1px solid var(--color-soft-border);
  padding: 28px 26px;
  margin: 0 auto 24px;
  width: 100%;
  max-width: var(--content-max-width);
}

.section h2 {
  margin: 0 0 14px;
  color: var(--color-primary-dark);
  font-size: 1.4rem;
  font-weight: var(--fw-bold);
  line-height: 1.25;
}

.section h3 {
  margin: 18px 0 8px;
  color: var(--color-text);
  font-size: 1.05rem;
  font-weight: var(--fw-bold);
}

.section p {
  margin: 0 0 12px;
  color: var(--color-text);
  font-size: 1rem;
  line-height: 1.6;
}

.section ul {
  margin: 0 0 12px;
  padding-left: 22px;
  color: var(--color-text);
}
.section ul li { margin-bottom: 8px; line-height: 1.55; }

/* ---------- Product tiles (homepage) ---------- */
.product-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin: 0 auto 30px;
  width: 100%;
  max-width: var(--content-max-width);
}

.product-tile {
  background-color: var(--color-card);
  border: 1px solid var(--color-soft-border);
  border-top: 3px solid var(--color-cta);
  border-radius: 12px;
  padding: 24px 20px;
  text-align: center;
  box-shadow: var(--soft-shadow);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.product-tile:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 24px rgba(15, 23, 42, 0.10);
}

.product-tile .tile-icon {
  color: var(--color-primary);
  font-size: 2.2rem;
  margin-bottom: 12px;
}
.product-tile h3 {
  margin: 0 0 10px;
  color: var(--color-primary-dark);
  font-size: 1.15rem;
  font-weight: var(--fw-bold);
}
.product-tile p {
  margin: 0 0 18px;
  color: var(--color-text-muted);
  font-size: 0.95rem;
  line-height: 1.5;
}

.tile-cta {
  display: inline-block;
  background-color: var(--color-cta);
  color: #fff !important;
  text-decoration: none;
  padding: 10px 20px;
  border-radius: var(--cta-radius);
  font-size: 0.95rem;
  font-weight: var(--fw-bold);
  text-transform: none;
  letter-spacing: -0.01em;
  transition: background-color 0.2s ease;
}
.tile-cta:hover { background-color: var(--color-cta-hover); color: #fff !important; }

/* ---------- "How it works" 3-step row ---------- */
.how-it-works {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 16px;
}

.how-step {
  text-align: center;
  padding: 16px 14px;
  border: 1px solid var(--color-soft-border);
  border-radius: 12px;
  background-color: #f5f6fb;
}
.how-step .how-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: var(--color-primary);
  color: #fff;
  font-weight: var(--fw-black);
  margin-bottom: 10px;
}
.how-step h3 {
  margin: 0 0 6px;
  font-size: 1rem;
  color: var(--color-primary-dark);
}
.how-step p {
  margin: 0;
  font-size: 0.92rem;
  color: var(--color-text-muted);
  line-height: 1.5;
}

/* ---------- Trust strip ---------- */
.trust-strip {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 18px 28px;
  margin: 6px 0 8px;
  font-size: 0.95rem;
  color: var(--color-text-muted);
}
.trust-strip span i { margin-right: 6px; color: var(--color-accent); }

/* ---------- FAQ ---------- */
.faq-list { margin-top: 8px; }
.faq-item {
  border-top: 1px solid var(--color-soft-border);
  padding: 14px 0;
}
.faq-item:last-child { border-bottom: 1px solid var(--color-soft-border); }
.faq-q {
  margin: 0 0 6px;
  font-weight: var(--fw-bold);
  color: var(--color-primary-dark);
  font-size: 1.02rem;
}
.faq-a {
  margin: 0;
  color: var(--color-text);
  line-height: 1.55;
}

/* ---------- Legal pages ---------- */
.legal-note {
  background-color: var(--color-legal-note-bg);
  border-left: 4px solid var(--color-legal-note-border);
  padding: 14px 18px;
  border-radius: 8px;
  margin-bottom: 24px;
  font-size: 0.95rem;
  color: #312e81;
}

.legal-body h2 {
  margin: 22px 0 8px;
  color: var(--color-primary-dark);
  font-size: 1.15rem;
}
.legal-body p { line-height: 1.6; margin: 0 0 12px; }

/* ---------- Mid-page CTA repeat (inside a .section) ---------- */
.cta-row {
  text-align: center;
  margin: 28px auto 4px;
  width: 100%;
  max-width: var(--card-max-width);
}
.cta-row .cta-button { margin-bottom: 0; }

/* ---------- Footer ---------- */
.footer {
  background-color: var(--color-footer-bg);
  color: var(--color-footer-text);
  padding: 36px 20px;
  font-size: 0.78rem;
  text-align: center;
  margin-top: auto;
  line-height: 1.5;
}

.footer-content {
  max-width: 880px;
  margin: 0 auto;
}

.footer-nav {
  margin-bottom: 18px;
  font-size: 0.85rem;
}
.footer-nav a {
  color: #ffffff;
  text-decoration: underline;
  margin: 0 8px;
}
.footer-nav a:hover { opacity: 0.85; color: #fff; }

.copyright { margin-bottom: 16px; color: #fff; }
.copyright a { color: #ffffff; text-decoration: underline; margin: 0 5px; }

.disclaimer {
  margin: 0 0 12px;
  line-height: 1.5;
  color: var(--color-disclaimer-text);
}

/* ========== Brand-site components (refactor) ========== */

/* ---------- Site header with nav (marketing + legal pages) ---------- */
.site-header {
  background-color: var(--color-card);
  color: var(--color-text);
  width: 100%;
  border-top: 3px solid var(--color-cta);
  border-bottom: 1px solid var(--color-soft-border);
  box-shadow: 0 1px 3px rgba(15, 23, 42, 0.05);
  position: sticky;
  top: 0;
  z-index: 50;
}
.header-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
  gap: 20px;
}
.site-header .brand-mark {
  color: var(--color-primary-dark);
  text-decoration: none;
  font-weight: var(--fw-bold);
  font-size: 1.2rem;
  letter-spacing: -0.01em;
}
.site-header .brand-mark:hover { color: var(--color-primary); opacity: 1; }

.site-nav {
  display: flex;
  align-items: center;
  gap: 28px;
}
.site-nav a {
  color: var(--color-text-muted);
  text-decoration: none;
  font-weight: var(--fw-medium);
  font-size: 0.95rem;
  padding: 4px 2px;
  border-bottom: 2px solid transparent;
  transition: color 0.15s ease, border-color 0.15s ease;
}
.site-nav a:hover {
  color: var(--color-primary);
  opacity: 1;
  border-bottom-color: var(--color-accent);
}
.site-nav a.is-active {
  color: var(--color-primary-dark);
  border-bottom-color: var(--color-cta);
}

/* ---------- Hero banner (non-card, used on marketing pages) ---------- */
.hero-banner {
  background: linear-gradient(180deg, var(--color-hero-tint) 0%, var(--color-bg) 100%);
  padding: 56px 24px 40px;
  text-align: center;
}
.hero-inner {
  max-width: 820px;
  margin: 0 auto;
}
.hero-title {
  font-size: 2.4rem;
  color: var(--color-primary-dark);
  font-weight: var(--fw-black);
  margin: 0 0 14px;
  line-height: 1.15;
}
.hero-lede {
  font-size: 1.1rem;
  color: var(--color-text-muted);
  max-width: 640px;
  margin: 0 auto 24px;
  line-height: 1.5;
}
.hero-cta-row {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}
.hero-cta-row .cta-button {
  display: inline-block;
  width: auto;
  padding: 14px 36px;
  font-size: 1.15rem;
  margin: 0;
}
.hero-cta-row .cta-microcopy { font-size: 0.85rem; }

/* ---------- Section bands (full-bleed sections) ---------- */
.section-band {
  padding: 48px 24px;
  background-color: var(--color-bg);
}
.section-band--light { background-color: #ffffff; }
.section-band--accent { background-color: var(--color-hero-tint); }
.section-band-inner {
  max-width: 1100px;
  margin: 0 auto;
}
.section-band-header {
  text-align: center;
  margin-bottom: 28px;
}
.section-band-header h2 {
  margin: 0 0 8px;
  color: var(--color-primary-dark);
  font-size: 1.8rem;
  font-weight: var(--fw-bold);
  line-height: 1.2;
}
.section-band-header p {
  margin: 0;
  color: var(--color-text-muted);
  font-size: 1.02rem;
  max-width: 680px;
  margin-left: auto;
  margin-right: auto;
}

/* ---------- Feature grid + tiles (homepage "what we cover") ---------- */
.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.feature-tile {
  background-color: #ffffff;
  border: 1px solid var(--color-soft-border);
  border-top: 3px solid var(--color-cta);
  border-radius: 12px;
  padding: 26px 22px;
  box-shadow: var(--soft-shadow);
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.feature-tile:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 24px rgba(15, 23, 42, 0.10);
}
.feature-tile .ft-icon {
  color: var(--color-primary);
  font-size: 1.9rem;
}
.feature-tile h3 {
  margin: 0;
  color: var(--color-primary-dark);
  font-size: 1.15rem;
  font-weight: var(--fw-bold);
}
.feature-tile p {
  margin: 0;
  color: var(--color-text);
  font-size: 0.97rem;
  line-height: 1.55;
  flex: 1;
}
.feature-tile .ft-link {
  font-weight: var(--fw-bold);
  color: var(--color-primary);
  text-decoration: none;
  font-size: 0.95rem;
}
.feature-tile .ft-link:hover { text-decoration: underline; }
.feature-tile .ft-link i { margin-left: 4px; font-size: 0.8em; }

/* ---------- "Why us" / value props row ---------- */
.value-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.value-item {
  text-align: center;
  padding: 18px 14px;
}
.value-item .vi-icon {
  font-size: 1.7rem;
  color: var(--color-accent);
  margin-bottom: 8px;
}
.value-item h3 {
  margin: 0 0 6px;
  font-size: 1.05rem;
  color: var(--color-primary-dark);
  font-weight: var(--fw-bold);
}
.value-item p {
  margin: 0;
  font-size: 0.95rem;
  color: var(--color-text-muted);
  line-height: 1.55;
}

/* ---------- Learn hub tiles ---------- */
.learn-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}
.learn-tile {
  background-color: #ffffff;
  border: 1px solid var(--color-soft-border);
  border-radius: 14px;
  padding: 24px 20px;
  box-shadow: var(--soft-shadow);
  display: flex;
  flex-direction: column;
  gap: 10px;
  text-decoration: none;
  color: inherit;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.learn-tile:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 18px rgba(0, 0, 0, 0.08);
  color: inherit;
}
.learn-tile .lt-tag {
  font-size: 0.75rem;
  color: var(--color-accent);
  text-transform: uppercase;
  font-weight: var(--fw-bold);
  letter-spacing: 0.04em;
}
.learn-tile h3 {
  margin: 0;
  font-size: 1.1rem;
  color: var(--color-primary-dark);
  font-weight: var(--fw-bold);
  line-height: 1.3;
}
.learn-tile p {
  margin: 0;
  font-size: 0.92rem;
  color: var(--color-text-muted);
  line-height: 1.55;
  flex: 1;
}
.learn-tile .lt-link {
  font-weight: var(--fw-bold);
  color: var(--color-primary);
  font-size: 0.9rem;
}

/* ---------- Article body (educational pages) ---------- */
.article-shell {
  max-width: 780px;
  margin: 0 auto;
  padding: 40px 24px;
}
.breadcrumbs {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: 12px;
}
.breadcrumbs a { color: var(--color-text-muted); text-decoration: underline; }
.breadcrumbs a:hover { color: var(--color-primary); }
.breadcrumbs .crumb-sep { margin: 0 6px; opacity: 0.6; }

.article-title {
  font-size: 2rem;
  color: var(--color-primary-dark);
  font-weight: var(--fw-black);
  margin: 0 0 10px;
  line-height: 1.2;
}
.article-meta {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: 24px;
}

.article-body { color: var(--color-text); font-size: 1rem; line-height: 1.7; }
.article-body h2 {
  margin: 32px 0 12px;
  color: var(--color-primary-dark);
  font-size: 1.35rem;
  font-weight: var(--fw-bold);
  line-height: 1.3;
}
.article-body h3 {
  margin: 22px 0 8px;
  color: var(--color-text);
  font-size: 1.08rem;
  font-weight: var(--fw-bold);
}
.article-body p { margin: 0 0 14px; }
.article-body ul, .article-body ol { margin: 0 0 14px; padding-left: 22px; }
.article-body li { margin-bottom: 8px; line-height: 1.6; }
.article-body strong { color: var(--color-primary-dark); }

.toc {
  background-color: var(--color-bg);
  border: 1px solid var(--color-soft-border);
  border-radius: 10px;
  padding: 16px 20px;
  margin: 0 0 28px;
}
.toc-title {
  font-size: 0.78rem;
  font-weight: var(--fw-bold);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--color-text-muted);
  margin: 0 0 8px;
}
.toc ol { margin: 0; padding-left: 20px; }
.toc li { margin-bottom: 4px; font-size: 0.95rem; line-height: 1.5; }
.toc a { color: var(--color-primary); text-decoration: none; }
.toc a:hover { text-decoration: underline; }

.callout {
  background-color: var(--color-hero-tint);
  border-left: 4px solid var(--color-primary);
  padding: 14px 18px;
  border-radius: 8px;
  margin: 20px 0;
  font-size: 0.95rem;
  color: var(--color-text);
}
.callout strong { color: var(--color-primary-dark); }

.inline-cta {
  display: block;
  background-color: var(--color-bg);
  border: 1px solid var(--color-soft-border);
  border-radius: 12px;
  padding: 20px 22px;
  margin: 28px 0;
  text-align: center;
}
.inline-cta p {
  margin: 0 0 12px;
  color: var(--color-text);
  font-size: 1rem;
}
.inline-cta .cta-button {
  display: inline-block;
  width: auto;
  padding: 12px 28px;
  font-size: 1rem;
  margin: 0;
}

/* ---------- About + Contact prose layout ---------- */
.prose-shell {
  max-width: 780px;
  margin: 0 auto;
  padding: 40px 24px;
}
.prose-shell h1 {
  font-size: 2rem;
  color: var(--color-primary-dark);
  font-weight: var(--fw-black);
  margin: 0 0 14px;
  line-height: 1.2;
}
.prose-shell .lede {
  font-size: 1.1rem;
  color: var(--color-text-muted);
  margin: 0 0 24px;
  line-height: 1.55;
}
.prose-shell h2 {
  margin: 28px 0 10px;
  color: var(--color-primary-dark);
  font-size: 1.3rem;
  font-weight: var(--fw-bold);
}
.prose-shell p { margin: 0 0 14px; line-height: 1.65; }
.prose-shell ul { margin: 0 0 14px; padding-left: 22px; }
.prose-shell ul li { margin-bottom: 8px; line-height: 1.6; }

/* ---------- Mobile ---------- */
@media (max-width: 600px) {
  body { min-height: 100vh; }
  .main-content {
    padding: 20px 12px;
    align-items: stretch;
  }
  .card { max-width: 100%; margin: 0 auto 22px; }
  .card-header { padding: 14px 14px; }
  .card-header h1, .card-header h2 { font-size: 1.1rem; }
  .card-body { padding: 22px 16px; }
  .hero-icon-container i { font-size: 3.4rem; }
  .headline { font-size: 1.65rem; }
  .subhead { font-size: 0.95rem; }
  .cta-button { font-size: 1.2rem; padding: 14px 0; }
  .steps-container { font-size: 0.95rem; margin-bottom: 20px; }
  .step { margin-bottom: 8px; }

  .section { padding: 22px 18px; border-radius: 14px; }
  .section h2 { font-size: 1.2rem; }

  .product-grid { grid-template-columns: 1fr; gap: 16px; }
  .how-it-works { grid-template-columns: 1fr; gap: 14px; }

  .trust-strip { gap: 8px 14px; font-size: 0.88rem; }

  .footer { padding: 28px 18px; }
  .footer-nav a { display: inline-block; margin: 4px 8px; }

  /* Brand-site mobile */
  .header-inner { padding: 12px 16px; gap: 12px; flex-wrap: wrap; }
  .site-nav { gap: 14px; }
  .site-nav a { font-size: 0.9rem; }

  .hero-banner { padding: 40px 18px 32px; }
  .hero-title { font-size: 1.7rem; }
  .hero-lede { font-size: 1rem; }
  .hero-cta-row .cta-button { padding: 13px 26px; font-size: 1.05rem; }

  .section-band { padding: 36px 18px; }
  .section-band-header h2 { font-size: 1.4rem; }
  .section-band-header p { font-size: 0.95rem; }

  .feature-grid, .value-grid, .learn-grid {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .article-shell, .prose-shell { padding: 28px 18px; }
  .article-title, .prose-shell h1 { font-size: 1.6rem; }
  .article-body h2 { font-size: 1.2rem; }
  .toc { padding: 14px 16px; }
  .inline-cta { padding: 16px 16px; }
}

/* ===================================================================
   Split-hero + zigzag homepage layout (structural redesign)
   =================================================================== */
.hero-split {
  background:
    radial-gradient(120% 130% at 100% 0%, var(--color-hero-tint) 0%, rgba(255,255,255,0) 58%),
    var(--color-card);
  border-bottom: 1px solid var(--color-soft-border);
  padding: 64px 24px;
}
.hero-split-inner {
  max-width: 1100px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
}
.hero-eyebrow {
  display: inline-block;
  font-family: var(--font-serif);
  font-size: 0.78rem;
  font-weight: var(--fw-bold);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--color-primary);
  background: var(--color-hero-tint);
  border: 1px solid var(--color-soft-border);
  padding: 6px 13px;
  border-radius: 999px;
  margin-bottom: 18px;
}
.hero-h1 {
  font-size: 2.9rem;
  line-height: 1.07;
  color: var(--color-primary-dark);
  font-weight: var(--fw-bold);
  margin: 0 0 18px;
}
.hero-copy-lede {
  font-size: 1.12rem;
  line-height: 1.6;
  color: var(--color-text-muted);
  margin: 0 0 28px;
  max-width: 540px;
}
.hero-actions { display: flex; flex-direction: column; gap: 12px; align-items: flex-start; }
.cta-button--inline { display: inline-block; width: auto; padding: 15px 34px; margin: 0; }
.hero-actions .cta-microcopy { margin: 0; }

.hero-panel {
  background: var(--color-card);
  border: 1px solid var(--color-soft-border);
  border-top: 4px solid var(--color-cta);
  border-radius: 14px;
  box-shadow: var(--card-shadow);
  padding: 28px 26px;
}
.hero-panel-title { font-size: 1.15rem; color: var(--color-primary-dark); margin: 0 0 18px; }
.panel-steps { list-style: none; margin: 0 0 20px; padding: 0; display: flex; flex-direction: column; gap: 16px; }
.panel-step { display: flex; gap: 14px; align-items: flex-start; color: var(--color-text); line-height: 1.5; }
.panel-step-num {
  flex: 0 0 auto;
  width: 30px; height: 30px;
  display: inline-flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: var(--color-primary);
  color: #fff;
  font-family: var(--font-serif);
  font-weight: var(--fw-bold);
  font-size: 0.95rem;
}
.panel-trust {
  display: flex; flex-wrap: wrap; gap: 8px 18px;
  border-top: 1px solid var(--color-soft-border);
  padding-top: 16px;
  font-size: 0.88rem; color: var(--color-text-muted);
}
.panel-trust i { color: var(--color-accent); margin-right: 5px; }

/* Zigzag product rows */
.zz { max-width: 1000px; margin: 0 auto; padding: 64px 24px; }
.zz-head { text-align: center; margin-bottom: 40px; }
.zz-head-title { font-size: 1.9rem; color: var(--color-primary-dark); margin: 0 0 8px; }
.zz-head p { color: var(--color-text-muted); margin: 0; font-size: 1.02rem; }
.zz-row {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 40px;
  align-items: center;
  padding: 30px 0;
  border-bottom: 1px solid var(--color-soft-border);
}
.zz-row:last-child { border-bottom: none; }
.zz-row--flip .zz-media { order: 2; }
.zz-media {
  display: flex; align-items: center; justify-content: center;
  min-height: 180px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--color-hero-tint), #ffffff);
  border: 1px solid var(--color-soft-border);
}
.zz-media i { font-size: 3.4rem; color: var(--color-primary); }
.zz-body h3 { font-size: 1.4rem; color: var(--color-primary-dark); margin: 0 0 12px; }
.zz-body p { color: var(--color-text); line-height: 1.65; margin: 0 0 16px; font-size: 1.02rem; }
.zz-link { font-weight: var(--fw-bold); color: var(--color-primary); text-decoration: none; }
.zz-link:hover { text-decoration: underline; }
.zz-link i { margin-left: 5px; font-size: 0.85em; }

/* Value strip (dark band, icon-left rows) */
.value-strip { background: var(--color-primary-dark); color: #fff; padding: 56px 24px; }
.value-strip-inner { max-width: 1100px; margin: 0 auto; }
.vs-head { max-width: 720px; margin: 0 0 32px; }
.vs-head h2 { color: #fff; font-size: 1.7rem; margin: 0 0 10px; }
.vs-head p { color: rgba(255,255,255,0.8); margin: 0; line-height: 1.55; }
.vs-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.vs-item { display: flex; gap: 14px; align-items: flex-start; }
.vs-item > i { color: var(--color-accent); font-size: 1.4rem; margin-top: 3px; }
.vs-item h3 { color: #fff; font-size: 1.05rem; margin: 0 0 6px; }
.vs-item p { color: rgba(255,255,255,0.78); font-size: 0.95rem; line-height: 1.55; margin: 0; }

/* Full-width CTA strip */
.cta-strip { background: var(--color-cta); padding: 48px 24px; }
.cta-strip-inner {
  max-width: 1000px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap;
}
.cta-strip-copy h2 { color: #fff; font-size: 1.7rem; margin: 0 0 6px; }
.cta-strip-copy p { color: rgba(255,255,255,0.92); margin: 0; }
.cta-button--onaccent { background: #fff; color: var(--color-cta) !important; box-shadow: 0 4px 12px rgba(0,0,0,0.15); }
.cta-button--onaccent:hover { background: #fff; color: var(--color-primary-dark) !important; }

@media (max-width: 880px) {
  .hero-split { padding: 44px 20px; }
  .hero-split-inner { grid-template-columns: 1fr; gap: 30px; }
  .hero-h1 { font-size: 2.15rem; }
  .zz { padding: 48px 20px; }
  .zz-row, .zz-row--flip { grid-template-columns: 1fr; gap: 18px; }
  .zz-row--flip .zz-media { order: 0; }
  .zz-media { min-height: 120px; }
  .vs-grid { grid-template-columns: 1fr; gap: 22px; }
  .cta-strip-inner { flex-direction: column; align-items: flex-start; }
}

/* Secondary-page left-aligned header band (about / contact / learn hub) */
.page-head {
  background: linear-gradient(180deg, var(--color-hero-tint), var(--color-card));
  border-bottom: 1px solid var(--color-soft-border);
  padding: 52px 24px 40px;
}
.page-head-inner { max-width: 1000px; margin: 0 auto; }
.page-head h1 { font-size: 2.5rem; line-height: 1.1; color: var(--color-primary-dark); margin: 0 0 14px; }
.page-head .lede { font-size: 1.12rem; color: var(--color-text-muted); margin: 0; max-width: 660px; line-height: 1.55; }
@media (max-width: 880px) {
  .page-head { padding: 40px 20px 32px; }
  .page-head h1 { font-size: 2rem; }
}

/* =====================================================================
   USA Fin Planning — editorial advisory system (overrides + new layout)
   ===================================================================== */

/* Header — paper, hairline, serif wordmark */
.site-header { border-top: none; border-bottom: 1px solid var(--color-soft-border); box-shadow: none; background: var(--color-bg); }
.site-header .brand-mark { font-size: 1.4rem; letter-spacing: -0.02em; color: var(--color-primary); }
.site-nav a { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.08em; font-weight: var(--fw-medium); color: var(--color-text-muted); }
.site-nav a:hover { color: var(--color-primary); border-bottom-color: var(--color-cta); }
.site-nav a.is-active { color: var(--color-primary); border-bottom-color: var(--color-cta); }

/* Top bar (LP brand bar) — paper, serif */
.top-bar { background: var(--color-bg); border-top: none; border-bottom: 1px solid var(--color-soft-border); color: var(--color-primary); font-family: var(--font-serif); font-size: 1.25rem; }
.top-bar .brand { color: var(--color-primary); }

/* CTA button — clay, sharp, editorial */
.cta-button {
  background-color: var(--color-cta);
  border-radius: var(--cta-radius);
  text-transform: uppercase;
  letter-spacing: 0.07em;
  font-family: var(--font-sans);
  font-size: 0.92rem;
  font-weight: var(--fw-bold);
  box-shadow: none;
  padding: 16px 0;
}
.cta-button:hover { background-color: var(--color-cta-hover); transform: none; box-shadow: none; }
.cta-button--inline { display: inline-block; width: auto; padding: 16px 34px; margin: 0; }
.cta-button--onaccent { background: #fbf7ee; color: var(--color-primary) !important; }
.cta-button--onaccent:hover { background: #fff; color: var(--color-primary-dark) !important; }

/* Dark editorial hero */
.hero-dark { background: var(--color-ink); color: var(--color-bg); padding: 92px 24px; }
.hero-dark-inner { max-width: 1040px; margin: 0 auto; }
.hero-eyebrow { /* reused: make it work on dark */ }
.hero-dark .hero-eyebrow { display:inline-block; background: transparent; border: none; padding: 0; margin: 0 0 22px; color: var(--color-accent); font-family: var(--font-sans); text-transform: uppercase; letter-spacing: 0.16em; font-size: 0.78rem; font-weight: var(--fw-bold); }
.hero-dark h1 { font-family: var(--font-serif); font-weight: 500; font-size: clamp(2.6rem, 5.4vw, 4.3rem); line-height: 1.05; letter-spacing: -0.02em; color: #fbf7ee; margin: 0 0 24px; max-width: 17ch; }
.hero-dark .hero-lede { font-size: 1.15rem; line-height: 1.6; color: rgba(245,239,226,0.82); max-width: 560px; margin: 0 0 34px; }
.hero-dark .hero-actions { display: flex; align-items: center; gap: 26px; flex-wrap: wrap; }
.hero-dark .cta-microcopy { color: rgba(245,239,226,0.6); margin: 0; }
.hero-dark .cta-microcopy i { color: var(--color-accent); }
.hero-steps { list-style: none; margin: 34px 0 0; padding: 0; display: flex; gap: 30px; flex-wrap: wrap; }
.hero-steps li { color: rgba(245,239,226,0.85); font-size: 0.95rem; display: flex; gap: 10px; align-items: baseline; max-width: 220px; line-height: 1.45; }
.hero-steps .hs-num { font-family: var(--font-serif); color: var(--color-accent); font-weight: 600; font-size: 1.1rem; }

/* Numbered editorial rows ("what we cover") */
.ed { max-width: 1040px; margin: 0 auto; padding: 84px 24px; }
.ed-kicker { font-family: var(--font-sans); text-transform: uppercase; letter-spacing: 0.14em; font-size: 0.78rem; font-weight: var(--fw-bold); color: var(--color-accent); margin: 0 0 8px; }
.ed-intro { font-family: var(--font-serif); font-size: 1.9rem; font-weight: 500; color: var(--color-primary); margin: 0 0 28px; max-width: 22ch; letter-spacing: -0.01em; line-height: 1.15; }
.ed-row { display: grid; grid-template-columns: 84px 1fr auto; gap: 30px; align-items: baseline; padding: 38px 0; border-top: 1px solid var(--color-soft-border); }
.ed-row:last-child { border-bottom: 1px solid var(--color-soft-border); }
.ed-num { font-family: var(--font-serif); font-size: 2.4rem; font-weight: 500; color: var(--color-cta); line-height: 1; }
.ed-body h3 { font-family: var(--font-serif); font-weight: 600; font-size: 1.6rem; color: var(--color-primary); margin: 0 0 10px; letter-spacing: -0.01em; }
.ed-body p { color: var(--color-text); line-height: 1.65; margin: 0; max-width: 58ch; }
.ed-cta { white-space: nowrap; padding-top: 6px; }
@media (max-width: 760px) {
  .ed-row { grid-template-columns: 52px 1fr; }
  .ed-cta { grid-column: 2; padding-top: 14px; }
  .ed-num { font-size: 1.8rem; }
}

/* Approach band (how it works) */
.approach { background: var(--color-hero-tint); padding: 84px 24px; }
.approach-inner { max-width: 1040px; margin: 0 auto; }
.approach > .approach-inner > h2 { font-family: var(--font-serif); font-size: 2.1rem; font-weight: 500; color: var(--color-primary); margin: 0 0 40px; letter-spacing: -0.01em; }
.approach-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 36px; }
.approach-step { border-top: 2px solid var(--color-cta); padding-top: 18px; }
.approach-step .as-num { font-family: var(--font-serif); font-size: 1.05rem; color: var(--color-cta); font-weight: 600; }
.approach-step h3 { font-family: var(--font-serif); font-size: 1.2rem; color: var(--color-primary); margin: 8px 0; font-weight: 600; }
.approach-step p { color: var(--color-text-muted); line-height: 1.6; margin: 0; font-size: 0.97rem; }
@media (max-width: 760px) { .approach-grid { grid-template-columns: 1fr; gap: 28px; } }

/* Learn list (editorial rows) */
.learn-section { max-width: 1040px; margin: 0 auto; padding: 84px 24px; }
.learn-section > h2 { font-family: var(--font-serif); font-size: 2.1rem; font-weight: 500; color: var(--color-primary); margin: 0 0 8px; letter-spacing: -0.01em; }
.learn-section > p.sub { color: var(--color-text-muted); margin: 0 0 30px; }
.learn-list { border-top: 1px solid var(--color-soft-border); }
.learn-row { display: grid; grid-template-columns: 150px 1fr auto; gap: 24px; align-items: baseline; padding: 26px 0; border-bottom: 1px solid var(--color-soft-border); text-decoration: none; color: var(--color-text); transition: background 0.15s ease; }
.learn-row:hover { background: rgba(169,118,47,0.07); }
.learn-row .lr-tag { font-family: var(--font-sans); text-transform: uppercase; letter-spacing: 0.1em; font-size: 0.72rem; font-weight: var(--fw-bold); color: var(--color-accent); }
.learn-row h3 { font-family: var(--font-serif); font-weight: 600; font-size: 1.25rem; color: var(--color-primary); margin: 0 0 5px; }
.learn-row p { margin: 0; color: var(--color-text-muted); font-size: 0.95rem; line-height: 1.5; }
.learn-row .lr-arrow { color: var(--color-cta); font-size: 1.2rem; }
@media (max-width: 760px) { .learn-row { grid-template-columns: 1fr; gap: 6px; } .learn-row .lr-arrow { display: none; } }

/* Closing CTA band */
.cta-band { background: var(--color-primary); color: var(--color-bg); padding: 82px 24px; text-align: center; }
.cta-band h2 { font-family: var(--font-serif); font-weight: 500; font-size: clamp(2rem, 4vw, 2.8rem); color: #fbf7ee; margin: 0 0 14px; letter-spacing: -0.01em; }
.cta-band p { color: rgba(245,239,226,0.82); margin: 0 auto 30px; max-width: 540px; line-height: 1.6; }

/* Page-head (secondary pages) — warm editorial */
.page-head { background: var(--color-hero-tint); border-bottom: 1px solid var(--color-soft-border); }
.page-head h1 { font-family: var(--font-serif); font-weight: 500; letter-spacing: -0.02em; font-size: clamp(2.2rem, 4.5vw, 3.2rem); }
.page-head .lede { font-size: 1.12rem; }

/* HELOC direct-response lander — ZIP entry, ad note, content section */
.hero-zip { display: flex; gap: 10px; max-width: 460px; margin: 4px 0 14px; }
.hero-zip input {
  flex: 1; min-width: 0; padding: 15px 16px;
  border: 1px solid rgba(245,239,226,0.30); border-radius: var(--cta-radius);
  background: rgba(255,255,255,0.06); color: #fbf7ee;
  font-family: var(--font-sans); font-size: 1rem;
}
.hero-zip input::placeholder { color: rgba(245,239,226,0.55); }
.hero-zip input:focus { outline: none; border-color: var(--color-cta); }
.hero-zip .cta-button--inline { white-space: nowrap; padding-left: 26px; padding-right: 26px; }

.ad-note { max-width: 1040px; margin: 0 auto; padding: 0 24px; }
.ad-note { font-size: 0.72rem; letter-spacing: 0.05em; text-transform: uppercase; color: var(--color-text-muted); padding-top: 16px; }

.lp-section { max-width: 880px; margin: 0 auto; padding: 56px 24px 72px; }
.lp-section h2 { font-family: var(--font-serif); font-weight: 500; font-size: 1.9rem; color: var(--color-primary); margin: 0 0 18px; letter-spacing: -0.01em; }
.lp-section p { color: var(--color-text); line-height: 1.7; margin: 0 0 14px; font-size: 1.05rem; max-width: 64ch; }

@media (max-width: 600px) {
  .hero-zip { flex-direction: column; }
  .hero-zip .cta-button--inline { width: 100%; }
}

/* HELOC advertorial lander — centered, lifestyle image slot */
.hero-dark-inner.lp-narrow { max-width: 720px; text-align: center; }
.lp-narrow h1 { max-width: none; margin-left: auto; margin-right: auto; }
.lp-narrow .hero-lede { max-width: 600px; margin-left: auto; margin-right: auto; }
.lp-narrow .hero-actions { justify-content: center; flex-direction: column; gap: 12px; }
.lp-figure { margin: 28px auto 22px; max-width: 540px; }
.lp-illus { display: block; width: 100%; height: auto; background: #f1ead9; border-radius: 8px; box-shadow: 0 12px 30px rgba(22,41,31,0.22); }
.lp-nocost { color: rgba(245,239,226,0.88); font-size: 1.05rem; margin: 0 0 14px; }
.lp-narrow .hero-zip { margin-left: auto; margin-right: auto; }
.lp-section { text-align: left; }

/* HELOC lander "what to know" list */
.lp-list { list-style: none; margin: 0 0 18px; padding: 0; }
.lp-list li { position: relative; padding-left: 26px; margin-bottom: 14px; line-height: 1.6; color: var(--color-text); font-size: 1.05rem; }
.lp-list li::before { content: "\2014"; position: absolute; left: 0; color: var(--color-cta); font-weight: 700; }
.lp-list strong { color: var(--color-primary); }

/* Image slot placeholder (until licensed photo is supplied) + real photo style */
.lp-ph {
  aspect-ratio: 16 / 10; border-radius: 8px;
  border: 1px dashed rgba(245,239,226,0.4);
  background: rgba(255,255,255,0.05);
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 10px;
  color: rgba(245,239,226,0.6); font-size: 0.88rem; padding: 16px; text-align: center;
}
.lp-ph i { font-size: 1.9rem; }
.lp-photo { display: block; width: 100%; height: auto; border-radius: 8px; box-shadow: 0 12px 30px rgba(22,41,31,0.22); }
.lp-aicap { margin: 8px 0 0; font-size: 0.72rem; letter-spacing: 0.04em; text-transform: uppercase; color: rgba(245,239,226,0.55); text-align: right; }

/* White-background HELOC lander (Chris: white bg, headline in brand color) */
.lp-white { background: #ffffff; padding: 58px 24px 66px; }
.lp-white-inner { max-width: 680px; margin: 0 auto; text-align: center; }
.lp-white h1 { font-family: var(--font-serif); color: var(--color-primary); font-size: clamp(2.2rem, 5vw, 3.3rem); line-height: 1.08; letter-spacing: -0.02em; margin: 0 0 18px; }
.lp-white .hero-lede { color: var(--color-text-muted); font-size: 1.15rem; line-height: 1.6; max-width: 560px; margin: 0 auto 8px; }
.lp-white .lp-figure { margin: 26px auto 18px; max-width: 540px; }
.lp-white .lp-aicap { color: var(--color-text-muted); text-align: right; }
.lp-white .lp-nocost { color: var(--color-text); font-weight: 500; margin: 8px 0 14px; }
.lp-white .hero-actions { display: flex; flex-direction: column; align-items: center; gap: 12px; }
.lp-white .cta-microcopy { color: var(--color-text-muted); }

/* Overflow guard — keep images from forcing horizontal scroll on mobile */
img, svg { max-width: 100%; height: auto; }

/* Match the original lander (a1): Open Sans, dark #212529 headline */
.lp-white { font-family: "Open Sans", "Inter", sans-serif; }
.lp-white h1 { font-family: "Open Sans", sans-serif; color: #212529; font-weight: 800; letter-spacing: -0.01em; }
.lp-white .cta-button { font-family: "Open Sans", sans-serif; }

/* Advertorial styling (mirror of SmartFin) */
.adv-banner { background:#000; color:#fff; text-align:center; font-family:"Open Sans",sans-serif; font-size:0.6rem; font-weight:600; letter-spacing:0.14em; text-transform:uppercase; padding:5px 10px; }
.top-bar--ink { border-top:none; }
.top-bar--ink .brand { color:#000 !important; }
.lp-white h1, .lp-white .hero-lede, .lp-white .lp-nocost, .lp-white .cta-microcopy { color:#000 !important; }
.lp-white .cta-microcopy i { color:#000 !important; }
.lp-white .hero-lede { text-align:left; padding-left:18px; }
.lp-white .lp-nocost { font-style:italic; }
.lp-white .cta-button { background-color:#d40000 !important; color:#fff !important; box-shadow:none !important; width:100%; }
.lp-white .cta-button:hover { background-color:#b00000 !important; transform:none; box-shadow:none !important; }

/* tighten space between header and headline */
.lp-white { padding-top: 20px; }