:root {
  --navy:#1a2a4a; --navy2:#243354; --navy-lt:#e8edf5;
  --gold:#c8a227; --gold-lt:#fef7dc; --gold-dk:#9a7a1a;
  --green:#1e6b45; --green-lt:#e6f4ed;
  --copper:#7a4010; --copper-lt:#f5ebe0;
  --white:#ffffff; --off-white:#f6f8fc; --grey-lt:#edf0f5;
  --text:#1c2b3a; --muted:#5a6b7e; --border:#d8dfe8;
  --shadow-sm:0 2px 8px rgba(26,42,74,.08);
  --shadow-md:0 4px 20px rgba(26,42,74,.12);
  --radius:12px; --radius-sm:8px;
  --font:system-ui,'Segoe UI',Arial,sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
body { font-family: var(--font); color: var(--text); background: var(--white); line-height: 1.6; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; height: auto; }

.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }

/* Typography */
h1, h2, h3, h4, h5, h6 { font-weight: 700; line-height: 1.2; margin-bottom: 1rem; color: var(--navy); }
p { margin-bottom: 1rem; }
.text-center { text-align: center; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; padding: 0.75rem 1.5rem; font-weight: 600; border-radius: var(--radius-sm); transition: all 0.2s; cursor: pointer; border: none; text-align: center; }
.btn-sm { padding: 0.5rem 1rem; font-size: 0.875rem; }
.btn-full { width: 100%; }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-dk); color: var(--white); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy2); }
.btn-outline { background: transparent; border: 2px solid var(--white); color: var(--white); }
.btn-outline:hover { background: var(--white); color: var(--navy); }
.badge { display: inline-block; padding: 0.25rem 0.75rem; font-size: 0.875rem; font-weight: 600; border-radius: 999px; margin-bottom: 1rem; }
.badge-free { background: var(--green-lt); color: var(--green); }
.badge-price { background: var(--navy-lt); color: var(--navy); }
.badge-coming-soon { background: var(--grey-lt); color: var(--muted); }

/* Header */
.site-header { position: sticky; top: 0; background: var(--white); z-index: 100; border-bottom: 1px solid var(--border); transition: box-shadow 0.3s; }
.site-header.scrolled { box-shadow: var(--shadow-sm); }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; }
.logo { font-size: 1.5rem; font-weight: 700; color: var(--navy); display: flex; align-items: center; gap: 0.5rem; }
.logo em { font-style: normal; color: var(--gold); }
.main-nav .nav-list { display: flex; gap: 1.5rem; }
.nav-link { font-weight: 500; color: var(--muted); transition: color 0.2s; }
.nav-link:hover, .nav-link.active { color: var(--navy); }
.header-actions { display: flex; align-items: center; gap: 1rem; }
.hamburger { display: none; background: transparent; border: none; cursor: pointer; padding: 0.5rem; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; transition: all 0.3s; }

/* Mobile Menu */
.mobile-menu { display: none; background: var(--white); border-top: 1px solid var(--border); padding: 1rem; position: absolute; width: 100%; top: 72px; left: 0; box-shadow: var(--shadow-sm); }
.mobile-menu.open { display: block; }
.mobile-menu .nav-list { flex-direction: column; gap: 1rem; }

/* Sections */
.section { padding: 5rem 0; }
.section-light { background: var(--off-white); }
.section-dark { background: var(--navy); color: var(--white); }
.section-dark h1, .section-dark h2, .section-dark h3 { color: var(--white); }
.section-gold { background: var(--gold-lt); color: var(--navy); }

/* Hero */
.hero { padding: 5rem 0 4rem; text-align: center; }
.hero-dark { background: linear-gradient(150deg, var(--navy) 0%, #0f1e36 100%); color: var(--white); }
.hero-dark h1, .hero-dark h2 { color: var(--white); }
.hero-light { background: var(--off-white); text-align: center; }
.hero-eyebrow { font-size: .8rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: var(--gold); margin-bottom: 1.5rem; opacity: .9; }
.hero-title { font-size: clamp(2.4rem, 5vw, 4rem); line-height: 1.1; margin-bottom: 1.5rem; letter-spacing: -.02em; }
.hero-sub { font-size: 1.125rem; max-width: 680px; margin: 0 auto 2.5rem; opacity: .85; line-height: 1.7; }
.hero-actions { display: flex; justify-content: center; gap: 1rem; flex-wrap: wrap; margin-bottom: 3.5rem; }
.btn-lg { padding: 1rem 2rem; font-size: 1rem; }
.hero-pillars { display: flex; justify-content: center; gap: 1.5rem; flex-wrap: wrap; padding-top: 2.5rem; border-top: 1px solid rgba(255,255,255,.12); }
.hero-pillar { display: flex; flex-direction: column; align-items: center; gap: .4rem; min-width: 90px; }
.hero-pillar-icon { font-size: 1.75rem; }
.hero-pillar-label { font-size: .75rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; opacity: .75; color: var(--white); }


/* Stats / Cards */
.stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1.5rem; margin-top: 2rem; }
.stat-box { background: rgba(255,255,255,0.1); padding: 1.5rem; border-radius: var(--radius-sm); border: 1px solid rgba(255,255,255,0.2); }
.grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 2rem; }
.card { background: var(--white); padding: 2rem; border-radius: var(--radius); box-shadow: var(--shadow-sm); border: 1px solid var(--border); display: flex; flex-direction: column; }
.card-icon { font-size: 2.5rem; margin-bottom: 1rem; }
.card-hdr { font-size: .72rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--navy); background: var(--navy-lt); padding: .5rem .9rem; border-radius: var(--radius-sm); margin: -2rem -2rem 1.5rem; }
.card-title { font-size: 1.25rem; margin-bottom: 1rem; }
.card-body { flex: 1; }
.card-footer { margin-top: 1.5rem; }
.btn-outline-dark { background: transparent; border: 2px solid var(--navy); color: var(--navy); }
.btn-outline-dark:hover { background: var(--navy); color: var(--white); }

/* Forms */
.form-group { margin-bottom: 1rem; text-align: left; }
.form-control { width: 100%; padding: 0.75rem; border: 1px solid var(--border); border-radius: var(--radius-sm); font-family: var(--font); }
select.form-control { appearance: none; background-color: var(--white); }

/* Footer */
.site-footer { background: var(--navy2); color: var(--white); padding: 4rem 0 2rem; }
.site-footer h4 { color: var(--white); margin-bottom: 1.5rem; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2rem; margin-bottom: 3rem; }
.footer-col ul { display: flex; flex-direction: column; gap: 0.75rem; }
.footer-col a { color: var(--navy-lt); opacity: 0.8; transition: opacity 0.2s; }
.footer-col a:hover { opacity: 1; color: var(--white); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 2rem; display: flex; flex-direction: column; gap: 1rem; font-size: 0.875rem; opacity: 0.7; }

/* Utilities */
.fade-in { opacity: 0; transform: translateY(20px); transition: opacity 0.6s, transform 0.6s; }
.fade-in.visible { opacity: 1; transform: translateY(0); }
.hidden { display: none !important; }

/* Specifics */
.quote-box { background: var(--white); border-left: 4px solid var(--navy); padding: 1.5rem; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; box-shadow: var(--shadow-sm); margin: 2rem auto; font-style: italic; max-width: 600px; }
.feature-list { display: flex; flex-wrap: wrap; gap: 1rem; margin: 1.5rem 0; justify-content: center; }
.feature-pill { background: var(--white); border: 1px solid var(--border); padding: 0.5rem 1rem; border-radius: 999px; font-size: 0.875rem; font-weight: 500; display: flex; align-items: center; gap: 0.5rem; }
.feature-check { list-style: none; padding: 0; margin-bottom: 2rem; }
.feature-check li { position: relative; padding-left: 2rem; margin-bottom: 0.75rem; }
.feature-check li::before { content: '✓'; position: absolute; left: 0; color: var(--gold); font-weight: bold; }
.coming-soon-card { opacity: 0.7; border-style: dashed; cursor: pointer; transition: opacity 0.2s; }
.coming-soon-card:hover { opacity: 1; }

.pricing-toggle { display: inline-flex; background: rgba(255,255,255,0.1); padding: 0.25rem; border-radius: 999px; margin-bottom: 2rem; }
.toggle-btn { padding: 0.5rem 1.5rem; border: none; background: transparent; color: var(--white); border-radius: 999px; cursor: pointer; font-weight: 600; opacity: 0.7; }
.toggle-btn.active { background: var(--gold); color: var(--navy); opacity: 1; }

/* Misc Elements */
.security-note { border-left: 4px solid var(--navy); background: var(--white); padding: 1.5rem; box-shadow: var(--shadow-sm); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; margin: 2rem 0; }
.breadcrumb { margin-bottom: 1rem; font-size: 0.875rem; color: var(--muted); }
.breadcrumb a { color: var(--navy); }
.breadcrumb a:hover { text-decoration: underline; }

/* Responsive */
@media (max-width: 768px) {
  .main-nav, .header-actions .btn { display: none; }
  .hamburger { display: block; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-title { font-size: 2rem; }
  .stats-grid { grid-template-columns: 1fr; }
  .tsp-suggest-inner { flex-direction: column; }
  .giveaway-inner { flex-direction: column; }
}

/* ── Section labels / titles ── */
.section-label { font-size: .72rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-dk); margin-bottom: .75rem; }
.section-title { font-size: clamp(1.6rem, 3vw, 2.4rem); margin-bottom: .75rem; }
.section-sub { font-size: 1rem; color: var(--muted); max-width: 600px; margin: 0 auto 2.5rem; }
.section-lt { background: var(--grey-lt); }

/* ── Tool cards (Option A — big, simple) ── */
.tools-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.75rem; margin-top: 2rem; }
.tool-card-a { background: var(--white); border-radius: var(--radius); box-shadow: var(--shadow-md); padding: 2rem; display: flex; flex-direction: column; gap: 1rem; border-top: 4px solid var(--border); transition: transform .2s, box-shadow .2s; }
.tool-card-a:hover { transform: translateY(-4px); box-shadow: 0 8px 32px rgba(26,42,74,.16); }
.tool-card-a.cat-career { border-top-color: var(--navy); }
.tool-card-a.cat-retire { border-top-color: var(--gold); }
.tool-card-a.cat-home { border-top-color: var(--copper); }
.tool-card-a h3 { font-size: 1.15rem; margin-bottom: 0; color: var(--navy); }
.tool-card-a p { color: var(--muted); font-size: .92rem; margin: 0; }
.tca-head { display: flex; align-items: center; justify-content: space-between; }
.tca-icon { font-size: 2rem; }
.tca-badge { font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; padding: .25rem .6rem; border-radius: 999px; }
.tca-badge.free { background: var(--green-lt); color: var(--green); }
.tca-badge.premium { background: var(--gold-lt); color: var(--gold-dk); }
.tca-site-label { font-size: .72rem; font-weight: 700; letter-spacing: .04em; color: var(--muted); font-family: monospace; opacity: .7; margin-top: -.25rem; }
.tca-bullets { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: .4rem; flex: 1; }
.tca-bullets li { font-size: .83rem; color: var(--muted); padding-left: 1.2rem; position: relative; }
.tca-bullets li::before { content: '✓'; position: absolute; left: 0; color: var(--gold-dk); font-weight: 700; }

/* ── TSP suggestive sell ── */
.tsp-suggest { background: var(--navy); color: var(--white); }
.tsp-suggest h2 { color: var(--white); }
.tsp-suggest p { color: rgba(255,255,255,.8); }
.tsp-suggest-inner { display: flex; gap: 4rem; align-items: flex-start; justify-content: center; }
.tsp-suggest-copy { flex: 1; max-width: 520px; }
.tsp-suggest-price { flex-shrink: 0; width: 300px; }
.tsp-disclaimer { font-size: .72rem; opacity: .55; font-style: italic; margin-top: 1rem; }
.price-toggle-wrap { background: rgba(255,255,255,.07); border-radius: var(--radius); padding: 1.75rem; }
.price-toggle-btns { display: flex; background: rgba(255,255,255,.1); border-radius: 999px; padding: .2rem; margin-bottom: 1.5rem; }
.ptb { flex: 1; padding: .5rem; border: none; background: transparent; color: rgba(255,255,255,.7); border-radius: 999px; cursor: pointer; font-weight: 600; font-size: .9rem; transition: all .2s; }
.ptb.active { background: var(--gold); color: var(--navy); }
.price-block p { font-size: .8rem; opacity: .7; margin: .4rem 0 0; }
.price-amount { font-size: 2.75rem; font-weight: 800; color: var(--white); line-height: 1; }
.price-amount span { font-size: 1rem; font-weight: 400; opacity: .7; }
.price-save { font-size: .72rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold); margin-bottom: .4rem; }

/* ── Giveaway ── */
.section-gold { background: var(--gold-lt); }
.giveaway-inner { display: flex; gap: 3rem; align-items: flex-start; justify-content: center; }
.giveaway-copy { flex: 1; max-width: 440px; }
.giveaway-copy h2 { color: var(--navy); }
.giveaway-form { display: flex; flex-direction: column; gap: .75rem; background: var(--white); padding: 1.75rem; border-radius: var(--radius); box-shadow: var(--shadow-sm); width: 320px; flex-shrink: 0; }

/* ── Coming soon grid ── */
.coming-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 1rem; margin-top: 2rem; }
.coming-card { background: var(--white); border: 1px dashed var(--border); border-radius: var(--radius-sm); padding: 1.25rem; display: flex; flex-direction: column; gap: .4rem; opacity: .75; transition: opacity .2s; cursor: pointer; }
.coming-card:hover { opacity: 1; }
.coming-card strong { font-size: .92rem; color: var(--navy); }
.coming-card p { font-size: .78rem; color: var(--muted); margin: 0; }
.coming-icon { font-size: 1.4rem; }

@media (max-width: 900px) {
  .tsp-suggest-inner { flex-direction: column; align-items: center; }
  .tsp-suggest-price { width: 100%; max-width: 380px; }
  .giveaway-inner { flex-direction: column; align-items: center; }
  .giveaway-form { width: 100%; max-width: 400px; }
}

/* Giveaway two-column → single column on mobile */
@media (max-width: 768px) {
  #tshirt-giveaway .container > div[style*="grid-template-columns"] {
    grid-template-columns: 1fr !important;
    gap: 2rem !important;
  }
  #tshirt-giveaway img { max-width: 80%; }
}