/* Turning 65 Utah — design system
   Modern, bold, sans-serif. Palette: Utah state flag — navy #071D49, gold #FFB81D, red #AA0200, white.
   Class hooks are shared with the playbook JS (main.js / calculators.js): keep names.
   Type: Bricolage Grotesque (display, 700–800) + Figtree (body, 400–700).
   ============================================================ */
:root {
  --brand:        #14357A;   /* Utah navy (lighter step for links/actions) */
  --brand-dark:   #071D49;   /* Utah flag navy #071D49 */
  --brand-soft:   #E6EAF3;
  --brand-ink:    #071D49;
  --sun:          #FFB81D;   /* Utah flag gold #FFB81D: eyebrows, highlights */
  --sun-soft:     #FFF3D3;
  --coral:        #AA0200;   /* Utah flag red #AA0200: penalties, warnings only */
  --coral-soft:   #F7E0DF;
  --ink:          #071D49;   /* headings, dark bands */
  --ink-2:        #1E2B4D;   /* body text */
  --ink-soft:     #5B6580;
  --line:         #DDE2EC;
  --bg:           #FFFFFF;   /* Utah flag white */
  --bg-alt:       #F3F5F9;
  --bg-dark:      var(--ink);
  --white:        #ffffff;
  --navy: var(--ink); --navy-2: #0F2A5F; --gold: var(--sun); /* legacy names some components use */
  --max:          1180px;
  --radius:       10px;
  --radius-lg:    18px;
  --radius-pill:  999px;
  --shadow-sm:    0 1px 2px rgba(7,29,73,.06), 0 2px 6px rgba(7,29,73,.05);
  --shadow-md:    0 4px 14px rgba(7,29,73,.10), 0 16px 40px rgba(7,29,73,.10);
  --shadow-lg:    0 8px 24px rgba(7,29,73,.12), 0 32px 80px rgba(7,29,73,.16);
  --font-head: 'Bricolage Grotesque', 'Helvetica Neue', Arial, sans-serif;
  --font-body: 'Figtree', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
  --font-mono: ui-monospace, 'SF Mono', Menlo, Consolas, monospace;
}

/* ---------- reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { animation: none !important; transition: none !important; } }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--font-body); font-size: 17px; line-height: 1.6; -webkit-font-smoothing: antialiased; }
img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--brand); text-decoration: none; }
a:hover { color: var(--brand-dark); text-decoration: underline; text-underline-offset: 3px; }
:focus-visible { outline: 3px solid var(--sun); outline-offset: 2px; border-radius: 4px; }
h1, h2, h3, h4 { font-family: var(--font-head); line-height: 1.08; letter-spacing: -0.025em; margin: 0 0 .5em; color: var(--ink); text-wrap: balance; }
h1 { font-size: clamp(40px, 6.2vw, 68px); font-weight: 800; }
h2 { font-size: clamp(30px, 4vw, 44px); font-weight: 800; }
h3 { font-size: 22px; font-weight: 700; letter-spacing: -0.015em; }
h4 { font-size: 18px; font-weight: 700; }
p { margin: 0 0 1em; }
p, li { max-width: 68ch; }
strong { font-weight: 700; }
.muted { color: var(--ink-soft); }
.center { text-align: center; }
.center p, .center li { margin-left: auto; margin-right: auto; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.eyebrow { display: inline-block; font-family: var(--font-head); font-weight: 700; font-size: 13px; letter-spacing: .12em; text-transform: uppercase; color: var(--brand-ink); background: var(--brand-soft); padding: 6px 12px; border-radius: var(--radius-pill); margin-bottom: 16px; }
.section--dark .eyebrow { background: rgba(255,255,255,.12); color: var(--sun); }
.section__lead { font-size: 20px; line-height: 1.55; color: var(--ink-2); max-width: 64ch; }
.center .section__lead { margin-left: auto; margin-right: auto; }
.wc-phone { white-space: nowrap; font-variant-numeric: tabular-nums; }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; background: var(--ink); color: var(--white); font-family: var(--font-head); font-weight: 700; font-size: 17px; letter-spacing: -0.01em; padding: 16px 26px; border-radius: var(--radius-pill); border: 2px solid var(--ink); cursor: pointer; transition: transform .15s ease, background .15s ease, color .15s ease; line-height: 1.1; }
.btn:hover { background: var(--brand); border-color: var(--brand); color: var(--white); text-decoration: none; transform: translateY(-1px); }
.btn--ghost { background: transparent; color: var(--ink); }
.btn--ghost:hover { background: var(--ink); color: var(--white); border-color: var(--ink); }
.btn--lg { padding: 20px 34px; font-size: 19px; }
.section--dark .btn { background: var(--sun); border-color: var(--sun); color: var(--ink); }
.section--dark .btn:hover { background: var(--white); border-color: var(--white); }
.section--dark .btn--ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,.5); }
.section--dark .btn--ghost:hover { background: var(--white); color: var(--ink); }

/* ---------- header / nav ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92); backdrop-filter: saturate(180%) blur(12px); border-bottom: 1px solid var(--line); }
.nav { max-width: var(--max); margin: 0 auto; padding: 0 24px; height: 74px; display: flex; align-items: center; gap: 28px; }
.nav__logo { display: inline-flex; align-items: center; gap: 10px; font-family: var(--font-head); font-weight: 800; font-size: 22px; letter-spacing: -0.03em; color: var(--ink); }
.nav__logo:hover { text-decoration: none; color: var(--ink); }
.nav__mark { width: 34px; height: 34px; }
.nav__links { list-style: none; margin: 0 0 0 auto; padding: 0; display: flex; align-items: center; gap: 4px; }
.nav__links > li { position: relative; }
.nav__links a { display: inline-block; padding: 10px 14px; font-weight: 600; font-size: 15.5px; color: var(--ink-2); border-radius: var(--radius-pill); }
.nav__links a:hover { background: var(--bg-alt); color: var(--ink); text-decoration: none; }
.has-dropdown > a::after { content: ""; display: inline-block; width: 7px; height: 7px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(45deg) translateY(-3px); margin-left: 8px; }
.dropdown { position: absolute; top: calc(100% + 6px); left: 0; min-width: 300px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); padding: 10px; list-style: none; margin: 0; opacity: 0; visibility: hidden; transform: translateY(6px); transition: opacity .15s, transform .15s, visibility .15s; }
.has-dropdown:hover .dropdown, .has-dropdown:focus-within .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a { display: block; padding: 10px 12px; border-radius: var(--radius); font-size: 15px; }
.nav__call { margin-left: 8px; background: var(--ink); color: var(--white) !important; border-radius: var(--radius-pill); padding: 11px 18px !important; font-family: var(--font-head); font-weight: 700 !important; }
.nav__call:hover { background: var(--brand) !important; }
.nav__toggle { display: none; margin-left: auto; background: none; border: 2px solid var(--ink); border-radius: var(--radius-pill); width: 46px; height: 42px; font-size: 20px; cursor: pointer; color: var(--ink); }
@media (max-width: 900px) {
  .nav { height: 66px; }
  .nav__toggle { display: inline-flex; align-items: center; justify-content: center; }
  .nav__links { display: none; position: absolute; top: 66px; left: 0; right: 0; background: var(--bg); border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; padding: 12px 16px 20px; gap: 2px; box-shadow: var(--shadow-md); max-height: calc(100vh - 66px); overflow: auto; }
  .nav__links.open { display: flex; }
  .nav__links a { display: block; padding: 12px 14px; font-size: 17px; }
  .dropdown { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 0 0 6px 12px; min-width: 0; }
  .has-dropdown > a::after { display: none; }
  .nav__call { margin: 10px 0 0; text-align: center; }
}

/* ---------- hero (photo-led) ---------- */
.hero { position: relative; overflow: hidden; background: var(--ink); color: var(--white); padding: 72px 0 64px; }
.hero::before { content: ""; position: absolute; inset: 0; background:
  radial-gradient(900px 500px at 85% -10%, rgba(20,53,122,.85), transparent 60%),
  radial-gradient(600px 400px at -10% 110%, rgba(255,184,29,.30), transparent 60%); pointer-events: none; }
.hero__inner { position: relative; max-width: var(--max); margin: 0 auto; padding: 0 24px; display: grid; grid-template-columns: 1fr; gap: 40px; align-items: center; }
.hero__copy { max-width: 720px; }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 em { font-style: normal; color: var(--sun); }
.hero__lead { font-size: 21px; line-height: 1.5; color: rgba(255,255,255,.84); max-width: 56ch; margin-bottom: 24px; }
.hero .eyebrow { background: rgba(255,255,255,.1); color: var(--sun); }
.hero__cta { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; margin-top: 8px; }
.hero .btn { background: var(--sun); border-color: var(--sun); color: var(--ink); }
.hero .btn:hover { background: var(--white); border-color: var(--white); }
.hero .btn--ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,.45); }
.hero .btn--ghost:hover { background: var(--white); color: var(--ink); }
.hero__extras { margin-top: 26px; }
.trust-list { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 8px 18px; font-size: 15px; font-weight: 600; }
.hero .trust-list { color: rgba(255,255,255,.85); }
.trust-list li::before { content: "✓"; color: var(--sun); font-weight: 800; margin-right: 8px; }
.lead-band .trust-list li::before { color: var(--brand); }
/* split hero: copy left, photo right, photo bleeds to the edge */
.hero--split { padding: 0; }
.hero--split .hero__inner { grid-template-columns: 1.05fr .95fr; gap: 0; padding: 0; max-width: none; align-items: stretch; }
.hero--split .hero__copy { max-width: 620px; margin-left: auto; padding: 72px 48px 72px 24px; align-self: center; width: 100%; box-sizing: border-box; }
@media (min-width: 1181px) { .hero--split .hero__copy { margin-left: calc((100vw - var(--max)) / 2); padding-left: 24px; max-width: calc(var(--max) * .52); } }
.hero__photo { margin: 0; position: relative; min-height: 440px; }
.hero__photo img { width: 100%; height: 100%; object-fit: cover; position: absolute; inset: 0; }
.hero__photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, var(--ink) 0%, rgba(7,29,73,0) 28%); }
/* homepage cover: photo behind the headline */
.cover { position: relative; overflow: hidden; background: var(--ink); color: var(--white); }
.cover__img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 62% 30%; }
.cover::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(7,29,73,.97) 0%, rgba(7,29,73,.9) 38%, rgba(7,29,73,.3) 62%, rgba(7,29,73,.1) 100%); }
.cover__inner { position: relative; z-index: 1; max-width: var(--max); margin: 0 auto; padding: 96px 24px 0; display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: end; min-height: 700px; }
.cover__copy { padding-bottom: 96px; }
.cover .eyebrow { background: rgba(255,255,255,.12); color: var(--sun); }
.cover h1 { color: var(--white); font-size: clamp(42px, 6.4vw, 76px); margin-bottom: 22px; }
.cover h1 em { font-style: normal; color: var(--sun); }
.cover__lead { font-size: 21px; line-height: 1.5; color: rgba(255,255,255,.86); max-width: 52ch; margin-bottom: 26px; }
.cover .btn { background: var(--sun); border-color: var(--sun); color: var(--ink); }
.cover .btn:hover { background: var(--white); border-color: var(--white); }
.cover .btn--ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,.5); }
.cover .btn--ghost:hover { background: var(--white); color: var(--ink); }
.cover .trust-list { color: rgba(255,255,255,.85); margin-top: 26px; }
.cover__form { position: relative; margin-bottom: -170px; align-self: end; }
.cover__form .form-card { box-shadow: var(--shadow-lg); }
.cover + .section { padding-top: 230px; }
@media (max-width: 980px) {
  .cover__inner { grid-template-columns: 1fr; gap: 24px; padding-top: 56px; }
  .cover__copy { padding-bottom: 8px; }
  .cover__form { margin-bottom: -40px; }
  .cover + .section { padding-top: 90px; }
  .cover__inner { min-height: 0; }
  .cover::after { background: linear-gradient(180deg, rgba(7,29,73,.94) 0%, rgba(7,29,73,.9) 100%); }
  .hero--split .hero__inner { grid-template-columns: 1fr; }
  .hero--split .hero__copy { padding: 48px 24px 32px; margin-left: 0; max-width: none; }
  .hero__photo { min-height: 260px; }
  .hero__photo::after { background: linear-gradient(180deg, var(--ink) 0%, rgba(7,29,73,0) 30%); }
}
@media (max-width: 900px) { .hero { padding: 48px 0 44px; } }

/* ---------- sections & grids ---------- */
.section { padding: 80px 0; }
.section--alt { background: var(--bg-alt); }
.section--dark { background: var(--bg-dark); color: rgba(255,255,255,.85); }
.section--dark h2, .section--dark h3 { color: var(--white); }
.section--dark .section__lead { color: rgba(255,255,255,.8); }
.grid { display: grid; gap: 20px; margin-top: 30px; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) { .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; } .section { padding: 56px 0; } }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 26px; display: flex; flex-direction: column; gap: 10px; transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: transparent; }
.card h3 { margin: 4px 0 0; }
.card p { margin: 0; color: var(--ink-2); font-size: 16px; }
.card > a:last-child { margin-top: auto; font-weight: 700; font-family: var(--font-head); }
.card__icon { width: 46px; height: 46px; border-radius: 12px; background: var(--brand-soft); color: var(--brand-ink); display: grid; place-items: center; font-family: var(--font-head); font-weight: 800; font-size: 20px; }
.section--dark .card { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.12); color: rgba(255,255,255,.85); }
.section--dark .card p { color: rgba(255,255,255,.75); }
.section--dark .card__icon { background: rgba(242,169,59,.18); color: var(--sun); }
.linklist { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 8px; }
.linklist li a { display: flex; justify-content: space-between; align-items: center; padding: 14px 18px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); font-weight: 600; color: var(--ink); }
.linklist li a:hover { border-color: var(--brand); text-decoration: none; }
.linklist li a::after { content: "→"; color: var(--brand); font-weight: 800; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.split__media { border-radius: var(--radius-lg); overflow: hidden; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 28px; } }
.photo-band { display: none; }

/* ---------- fact strip (big numbers) ---------- */
.fact-strip { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.fact { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 24px 22px; }
.fact strong { display: block; font-family: var(--font-head); font-weight: 800; font-size: clamp(34px, 4vw, 48px); letter-spacing: -0.035em; line-height: 1; color: var(--brand-ink); font-variant-numeric: tabular-nums; margin-bottom: 10px; }
.fact span { display: block; font-size: 15.5px; color: var(--ink-2); line-height: 1.45; }
.section--dark .fact { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.12); }
.section--dark .fact strong { color: var(--sun); }
.section--dark .fact span { color: rgba(255,255,255,.75); }
@media (max-width: 760px) { .fact-strip { grid-template-columns: 1fr; } }

/* ---------- steps (numbered process) ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 34px; counter-reset: s; }
.step { position: relative; padding: 28px 24px 24px; border: 1px solid rgba(255,255,255,.14); border-radius: var(--radius-lg); background: rgba(255,255,255,.05); }
.step__num { font-family: var(--font-head); font-weight: 800; font-size: 44px; line-height: 1; color: var(--sun); letter-spacing: -0.04em; margin-bottom: 10px; }
.step h3 { color: var(--white); }
.step p { color: rgba(255,255,255,.78); margin: 0; font-size: 16px; }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr; } }

/* ---------- comparison table (.cmp) ---------- */
.cmp-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--white); }
.cmp { border-collapse: collapse; width: 100%; min-width: 720px; font-size: 15px; }
.cmp th, .cmp td { padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; text-align: left; }
.cmp thead th { background: var(--ink); color: var(--white); font-family: var(--font-head); font-weight: 700; font-size: 15px; letter-spacing: -0.01em; }
.cmp thead th:first-child { border-radius: 0; }
.cmp-ico { display: block; font-size: 20px; margin-bottom: 4px; color: var(--sun); }
.cmp tbody tr:last-child td { border-bottom: 0; }
.cmp tbody th { font-weight: 700; color: var(--ink); background: var(--bg-alt); width: 26%; }
.cmp--narrow { min-width: 560px; }
.cmp-rule { font-family: var(--font-head); font-weight: 700; display: block; }
.cmp-hint { display: block; font-weight: 400; font-size: 13.5px; color: var(--ink-soft); margin-top: 4px; line-height: 1.4; }
.cmp-chip { display: inline-block; font-family: var(--font-head); font-weight: 700; font-size: 12.5px; letter-spacing: .04em; text-transform: uppercase; padding: 4px 10px; border-radius: var(--radius-pill); margin-bottom: 6px; }
.cmp-chip--yes { background: #dcefe2; color: #14713d; }
.cmp-chip--no { background: #F7E0DF; color: #AA0200; }
.cmp-chip--dep { background: #FFF3D3; color: #7A5200; }
.cmp-chip--mut { background: var(--bg-alt); color: var(--ink-soft); }
.cmp-dash { color: var(--ink-soft); }
.cmp-note { font-size: 14px; color: var(--ink-soft); margin: 12px 0 0; }

/* ---------- generic tables ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--white); }
.table-wrap table { border-collapse: collapse; width: 100%; min-width: 560px; font-size: 15.5px; font-variant-numeric: tabular-nums; }
.table-wrap th, .table-wrap td { padding: 13px 16px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.table-wrap thead th { background: var(--bg-alt); font-family: var(--font-head); font-weight: 700; font-size: 14px; letter-spacing: .02em; }
.table-wrap tbody tr:last-child td { border-bottom: 0; }
.table-wrap--sticky th:first-child, .table-wrap--sticky td:first-child { position: sticky; left: 0; background: var(--white); }
.table-caption { font-size: 14px; color: var(--ink-soft); margin: 10px 0 0; }

/* ---------- FAQ ---------- */
.faq details { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 0; margin-bottom: 10px; overflow: hidden; }
.faq summary { cursor: pointer; list-style: none; padding: 18px 52px 18px 20px; font-family: var(--font-head); font-weight: 700; font-size: 18px; letter-spacing: -0.01em; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 18px; top: 50%; transform: translateY(-50%); width: 28px; height: 28px; border-radius: 50%; background: var(--brand-soft); color: var(--brand-ink); display: grid; place-items: center; font-weight: 800; }
.faq details[open] summary::after { content: "−"; }
.faq details[open] summary { border-bottom: 1px solid var(--line); }
.faq details > *:not(summary) { padding: 0 20px; }
.faq details p { margin: 14px 0; color: var(--ink-2); }

/* ---------- forms ---------- */
.form-card { background: var(--white); color: var(--ink); border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow-lg); }
.form-card h3 { margin-bottom: 6px; }
.form-card p { color: var(--ink-2); font-size: 15px; }
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 14px; }
.field label { font-weight: 700; font-size: 14.5px; color: var(--ink); }
.field input, .field select, .field textarea { font: inherit; font-size: 17px; padding: 13px 14px; border: 2px solid var(--line); border-radius: var(--radius); background: var(--white); color: var(--ink); width: 100%; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 4px var(--brand-soft); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 520px) { .form-row { grid-template-columns: 1fr; } }
.lead-form .lf-progress { height: 6px; border-radius: 3px; background: var(--line); overflow: hidden; margin-bottom: 8px; }
.lf-bar { display: block; height: 100%; width: 33%; background: var(--brand); border-radius: 3px; transition: width .3s ease; }
.lf-steplabel { font-size: 13px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--ink-soft); margin: 0 0 14px; }
.lead-form fieldset { border: 0; padding: 0; margin: 0; display: none; }
.lead-form fieldset.active { display: block; }
.lead-form legend { font-family: var(--font-head); font-weight: 700; font-size: 19px; letter-spacing: -0.01em; margin-bottom: 8px; padding: 0; }
.form-note { font-size: 13.5px; color: var(--ink-soft); margin: 12px 0 0; }
.form-card__title { font-family: var(--font-head); font-weight: 800; font-size: 22px; letter-spacing: -0.02em; margin: 0 0 4px; color: var(--ink); }
.form-card__sub { font-size: 15px; color: var(--ink-2); margin: 0 0 16px; }
.lf-choices { display: grid; gap: 10px; margin: 10px 0 18px; }
.lf-choices label { display: flex; align-items: center; gap: 12px; padding: 14px 16px; border: 2px solid var(--line); border-radius: var(--radius); cursor: pointer; font-weight: 600; transition: border-color .15s, background .15s; }
.lf-choices label:hover { border-color: var(--brand); background: var(--brand-soft); }
.lf-choices input { width: 20px; height: 20px; accent-color: var(--brand); }
.lf-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 10px; }
.lf-back { background: none; border: 0; color: var(--ink-soft); font: inherit; font-weight: 600; cursor: pointer; padding: 8px 0; }
.lf-back:hover { color: var(--ink); text-decoration: underline; }
.lead-band { background: var(--brand-soft); padding: 80px 0; }
.lead-band .wrap { display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center; }
.lead-band h2 { margin-bottom: 12px; }
@media (max-width: 900px) { .lead-band .wrap { grid-template-columns: 1fr; gap: 28px; } .lead-band { padding: 56px 0; } }

/* ---------- calculators ---------- */
.calc { display: grid; grid-template-columns: 1fr 1.1fr; gap: 0; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-sm); margin-top: 30px; }
.calc__inputs { padding: 30px; border-right: 1px solid var(--line); }
.calc__inputs h3 { margin-bottom: 18px; }
.calc__results { padding: 30px; background: var(--bg-alt); }
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } .calc__inputs { border-right: 0; border-bottom: 1px solid var(--line); } }
.calc-output { display: flex; flex-direction: column; gap: 16px; }
.calc-output--empty { color: var(--ink-soft); }
.calc-big { background: var(--ink); color: var(--white); border-radius: var(--radius-lg); padding: 22px 24px; }
.calc-big span { display: block; font-size: 14px; letter-spacing: .06em; text-transform: uppercase; font-weight: 700; color: rgba(255,255,255,.7); }
.calc-big strong { display: block; font-family: var(--font-head); font-weight: 800; font-size: clamp(38px, 5vw, 56px); letter-spacing: -0.04em; line-height: 1.05; color: var(--sun); font-variant-numeric: tabular-nums; margin: 6px 0 4px; }
.calc-big--good strong { color: #FFD97A; }
.calc-big span:last-child { text-transform: none; letter-spacing: 0; font-weight: 500; font-size: 15px; color: rgba(255,255,255,.8); }
.calc-rows { display: grid; gap: 0; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; }
.calc-row { display: flex; justify-content: space-between; gap: 16px; padding: 12px 16px; border-bottom: 1px solid var(--line); font-size: 15.5px; font-variant-numeric: tabular-nums; }
.calc-row:last-child { border-bottom: 0; }
.calc-row--sub { padding-left: 28px; color: var(--ink-soft); font-size: 14.5px; }
.calc-row--total { background: var(--bg-alt); font-weight: 700; }
.calc-chip { display: inline-block; font-family: var(--font-head); font-weight: 700; font-size: 13px; letter-spacing: .04em; text-transform: uppercase; padding: 5px 12px; border-radius: var(--radius-pill); background: #dcefe2; color: #14713d; }
.calc-chip--warn { background: var(--sun-soft); color: #7A5200; }
.calc-chip--bad { background: var(--coral-soft); color: #AA0200; }
.calc-chip--ok { background: #dcefe2; color: #14713d; }
.calc-verdict { border-radius: var(--radius); padding: 14px 16px; font-size: 15.5px; border-left: 5px solid var(--brand); background: var(--brand-soft); }
.calc-verdict p { margin: 0; }
.calc-verdict--info { border-color: var(--brand); background: var(--brand-soft); }
.calc-verdict--ok { border-color: #14713d; background: #dcefe2; }
.calc-verdict--warn { border-color: var(--coral); background: var(--coral-soft); }
.calc-note { font-size: 14px; color: var(--ink-soft); margin: 0; }
.calc-bars { display: grid; gap: 12px; }
.calc-bar__label { display: flex; justify-content: space-between; font-size: 14.5px; font-weight: 600; margin-bottom: 6px; }
.calc-bar__track { height: 14px; background: var(--white); border: 1px solid var(--line); border-radius: 7px; overflow: hidden; }
.calc-bar__fill { height: 100%; background: var(--brand); border-radius: 7px; transition: width .35s ease; }
.calc-bar__fill--gold { background: var(--sun); }
.calc-bar__fill--muted { background: #B8C0D2; }
.range-value { font-family: var(--font-head); font-weight: 700; color: var(--brand-ink); }
input[type=range] { width: 100%; accent-color: var(--brand); }
.tool-disclaimer { font-size: 14px; color: var(--ink-soft); border-top: 1px solid var(--line); padding-top: 16px; margin-top: 28px; }
.sources { font-size: 14.5px; color: var(--ink-2); background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 20px 24px; margin-top: 28px; }
.sources h3 { font-size: 15px; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 10px; }
.sources ul { margin: 0; padding-left: 18px; }
.sources li { margin-bottom: 6px; max-width: none; }

/* options checker + wizard */
.oc-question { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 22px 24px; margin-bottom: 14px; }
.oc-question h3 { font-size: 18px; margin-bottom: 12px; }
.option-card { background: var(--white); border: 2px solid var(--line); border-radius: var(--radius-lg); padding: 20px 22px; }
.option-card--yes { border-color: #14713d; }
.option-card--maybe { border-color: var(--sun); }
.option-card--no { border-color: var(--line); opacity: .75; }
.option-card__head { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 8px; }
.option-card__head h3 { margin: 0; font-size: 18px; }
.wizard-progress { margin: 22px 0; }
.wizard-progress__track { height: 10px; background: var(--white); border: 1px solid var(--line); border-radius: 5px; overflow: hidden; }
.wizard-progress__bar { height: 100%; background: var(--brand); transition: width .3s; }
.wizard-step { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 20px 22px; margin-bottom: 12px; }
.wizard-step--done { border-color: #14713d; background: #f3faf5; }
.wizard-step__head { display: flex; gap: 14px; align-items: flex-start; }
.wizard-step__num { flex: 0 0 34px; width: 34px; height: 34px; border-radius: 50%; background: var(--ink); color: var(--white); display: grid; place-items: center; font-family: var(--font-head); font-weight: 800; }
.wizard-step--done .wizard-step__num { background: #14713d; }

/* ---------- diagrams (concept animations use these) ---------- */
.diagram-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 22px; }
.flow-node { fill: var(--white); stroke: var(--ink); stroke-width: 2; }
.flow-node--accent { fill: var(--brand-soft); stroke: var(--brand); }
.flow-path { stroke: var(--ink); stroke-width: 2.5; fill: none; }
.flow-path--muted { stroke: #B8C0D2; stroke-dasharray: 5 5; }
.flow-dot { fill: var(--brand); } .flow-dot--muted { fill: #B8C0D2; }
.flow-label { font-family: var(--font-head); font-weight: 700; font-size: 14px; fill: var(--ink); }
.flow-label--light { fill: var(--white); }
.flow-sub { font-size: 12px; fill: var(--ink-soft); } .flow-sub--light { fill: rgba(255,255,255,.8); }
.flow-small { font-size: 11px; fill: var(--ink-soft); }
.flow-kicker { font-family: var(--font-head); font-weight: 800; font-size: 13px; letter-spacing: .08em; fill: var(--brand-ink); }
.flow-kicker--warn { fill: var(--coral); }
.flow-warn { fill: var(--coral-soft); stroke: var(--coral); stroke-width: 2; }
.flow-warnsub { font-size: 12px; fill: var(--coral); }

/* ---------- CTA band ---------- */
.cta-band { background: var(--ink); color: var(--white); border-radius: var(--radius-lg); padding: 40px; display: grid; grid-template-columns: 1fr auto; gap: 24px; align-items: center; margin-top: 40px; }
.cta-band h3 { color: var(--white); margin: 0 0 6px; font-size: 26px; }
.cta-band p { margin: 0; color: rgba(255,255,255,.78); }
.cta-band .btn { background: var(--sun); border-color: var(--sun); color: var(--ink); }
@media (max-width: 760px) { .cta-band { grid-template-columns: 1fr; padding: 28px; } }

/* ---------- sticky consult CTA (injected by JS on tool pages) ---------- */
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; background: var(--ink); color: var(--white); transform: translateY(110%); transition: transform .3s ease; box-shadow: 0 -8px 30px rgba(0,0,0,.2); }
.sticky-cta.show { transform: translateY(0); }
.sticky-cta__wrap { max-width: var(--max); margin: 0 auto; padding: 12px 24px; display: flex; align-items: center; gap: 16px; }
.sticky-cta__text { flex: 1; font-weight: 600; font-size: 15px; }
.sticky-cta__call { background: var(--sun); color: var(--ink); font-family: var(--font-head); font-weight: 700; padding: 10px 18px; border-radius: var(--radius-pill); }
.sticky-cta__call:hover { background: var(--white); text-decoration: none; }
.sticky-cta__close { background: none; border: 0; color: rgba(255,255,255,.7); font-size: 22px; cursor: pointer; }
@media (max-width: 640px) { .sticky-cta__text { display: none; } }

/* ---------- footer ---------- */
.site-footer { background: var(--ink); color: rgba(255,255,255,.75); padding: 64px 0 28px; margin-top: 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
.site-footer h4 { color: var(--white); font-size: 14px; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 14px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.site-footer a { color: rgba(255,255,255,.8); }
.site-footer a:hover { color: var(--sun); }
.site-footer .nav__logo { color: var(--white); margin-bottom: 12px; }
.footer-disclaimer { font-size: 13.5px; color: rgba(255,255,255,.55); line-height: 1.55; max-width: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 36px; padding-top: 20px; font-size: 13.5px; color: rgba(255,255,255,.55); display: flex; flex-wrap: wrap; gap: 10px 24px; justify-content: space-between; }
.footer-bottom p, .footer-bottom li { max-width: none; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- reveal animation ---------- */
.reveal { opacity: 1; transform: none; }
@media (prefers-reduced-motion: no-preference) {
  .reveal { opacity: 0; transform: translateY(14px); transition: opacity .5s ease, transform .5s ease; }
  .reveal.in { opacity: 1; transform: none; }
}

/* ---------- utilities specific to this site ---------- */
.big-quote { font-family: var(--font-head); font-weight: 800; font-size: clamp(26px, 3.4vw, 40px); letter-spacing: -0.03em; line-height: 1.15; max-width: 22ch; }
.pill-row { display: flex; flex-wrap: wrap; gap: 8px; margin: 14px 0 0; }
.pill { display: inline-block; padding: 7px 14px; border-radius: var(--radius-pill); background: var(--white); border: 1px solid var(--line); font-weight: 600; font-size: 14.5px; color: var(--ink-2); }
.date-badge { display: inline-flex; flex-direction: column; align-items: center; justify-content: center; width: 84px; height: 84px; border-radius: 20px; background: var(--sun); color: var(--ink); font-family: var(--font-head); font-weight: 800; line-height: 1; }
.date-badge small { font-size: 12px; letter-spacing: .08em; text-transform: uppercase; font-weight: 700; }
.date-badge span { font-size: 30px; letter-spacing: -0.03em; }
.timeline { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 30px; }
.timeline > div { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 22px; border-top: 6px solid var(--brand); }
.timeline > div.warn { border-top-color: var(--coral); }
.timeline > div.sun { border-top-color: var(--sun); }
.timeline h3 { font-size: 18px; margin-bottom: 6px; }
.timeline p { font-size: 15px; color: var(--ink-2); margin: 0; }
@media (max-width: 860px) { .timeline { grid-template-columns: 1fr; } }

/* ---------- numbers band (navy strip, inline numerals) ---------- */
.numbers-band { background: var(--ink); color: var(--white); padding: 26px 0; }
.numbers-band .wrap { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.numbers-band .num { display: flex; gap: 16px; align-items: flex-start; }
.numbers-band strong { font-family: var(--font-head); font-weight: 800; font-size: clamp(30px, 3.6vw, 44px); letter-spacing: -0.035em; line-height: 1; color: var(--sun); font-variant-numeric: tabular-nums; white-space: nowrap; }
.numbers-band span { font-size: 14.5px; color: rgba(255,255,255,.78); line-height: 1.4; max-width: 30ch; padding-top: 4px; }
@media (max-width: 860px) { .numbers-band .wrap { grid-template-columns: 1fr; gap: 16px; } }

/* ---------- chooser tiles (photo-led) ---------- */
.chooser { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 30px; }
.tile { position: relative; display: block; border-radius: var(--radius-lg); overflow: hidden; background: var(--ink); color: var(--white); min-height: 420px; text-decoration: none; }
.tile:hover { text-decoration: none; color: var(--white); }
.tile img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform .5s ease; }
.tile:hover img { transform: scale(1.04); }
.tile::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(7,29,73,0) 30%, rgba(7,29,73,.55) 62%, rgba(7,29,73,.96) 100%); }
.tile__body { position: absolute; left: 0; right: 0; bottom: 0; padding: 24px; z-index: 1; }
.tile__kicker { display: inline-block; font-family: var(--font-head); font-weight: 700; font-size: 12px; letter-spacing: .1em; text-transform: uppercase; color: var(--sun); margin-bottom: 8px; }
.tile h3 { color: var(--white); font-size: 24px; margin: 0 0 6px; }
.tile p { color: rgba(255,255,255,.85); font-size: 15px; margin: 0 0 10px; max-width: none; }
.tile__go { font-family: var(--font-head); font-weight: 700; color: var(--sun); }
@media (max-width: 900px) { .chooser { grid-template-columns: 1fr; } .tile { min-height: 320px; } }

/* ---------- tool bench (dark, numbered rows) ---------- */
.bench { display: grid; grid-template-columns: .9fr 1.1fr; gap: 56px; align-items: start; }
.bench__list { list-style: none; margin: 0; padding: 0; counter-reset: t; }
.bench__list li { display: grid; grid-template-columns: 64px 1fr auto; gap: 18px; align-items: center; padding: 18px 0; border-bottom: 1px solid rgba(255,255,255,.14); }
.bench__list li:last-child { border-bottom: 0; }
.bench__num { font-family: var(--font-head); font-weight: 800; font-size: 40px; letter-spacing: -0.04em; color: var(--sun); line-height: 1; }
.bench__list h3 { color: var(--white); font-size: 19px; margin: 0 0 4px; }
.bench__list p { color: rgba(255,255,255,.75); font-size: 15px; margin: 0; }
.bench__list a.go { font-family: var(--font-head); font-weight: 700; color: var(--sun); white-space: nowrap; }
@media (max-width: 900px) { .bench { grid-template-columns: 1fr; gap: 28px; } .bench__list li { grid-template-columns: 48px 1fr; } .bench__list a.go { grid-column: 2; } }

/* ---------- editorial index list (guides) ---------- */
.index-list { list-style: none; margin: 30px 0 0; padding: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 0 48px; }
.index-list li { border-top: 1px solid var(--line); padding: 20px 0; display: grid; grid-template-columns: 1fr auto; gap: 16px; align-items: start; }
.index-list h3 { font-size: 20px; margin: 0 0 4px; }
.index-list p { font-size: 15px; color: var(--ink-2); margin: 0; }
.index-list a { font-family: var(--font-head); font-weight: 700; white-space: nowrap; padding-top: 2px; }
@media (max-width: 760px) { .index-list { grid-template-columns: 1fr; } }

/* ---------- Utah photo band ---------- */
.utah-band { position: relative; overflow: hidden; background: var(--ink); color: var(--white); }
.utah-band__img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: center 60%; }
.utah-band::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(7,29,73,.92) 0%, rgba(7,29,73,.7) 45%, rgba(7,29,73,.25) 100%); }
.utah-band .wrap { position: relative; z-index: 1; padding-top: 88px; padding-bottom: 88px; display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; }
.utah-band h2 { color: var(--white); }
.utah-band p { color: rgba(255,255,255,.86); }
.utah-band .eyebrow { background: rgba(255,255,255,.12); color: var(--sun); }
.utah-band a { color: var(--sun); }
.help-card { background: var(--white); color: var(--ink); border-radius: var(--radius-lg); padding: 26px 28px; box-shadow: var(--shadow-lg); }
.help-card h3 { margin-bottom: 8px; }
.help-card p { color: var(--ink-2); font-size: 15.5px; }
.help-card dl { display: grid; grid-template-columns: auto 1fr; gap: 8px 14px; margin: 14px 0 0; font-size: 15px; }
.help-card dt { font-family: var(--font-head); font-weight: 700; color: var(--ink); }
.help-card dd { margin: 0; color: var(--ink-2); }
@media (max-width: 900px) { .utah-band .wrap { grid-template-columns: 1fr; padding-top: 56px; padding-bottom: 56px; } }

/* ---------- three steps with a connecting line (light) ---------- */
.steps--line { grid-template-columns: repeat(3, 1fr); position: relative; }
.steps--line::before { content: ""; position: absolute; left: 8%; right: 8%; top: 34px; height: 3px; background: var(--line); }
.steps--line .step { background: var(--white); border: 1px solid var(--line); text-align: left; }
.steps--line .step__num { width: 52px; height: 52px; border-radius: 50%; background: var(--ink); color: var(--sun); display: grid; place-items: center; font-size: 22px; margin-bottom: 14px; }
.steps--line .step h3 { color: var(--ink); }
.steps--line .step p { color: var(--ink-2); }
@media (max-width: 860px) { .steps--line { grid-template-columns: 1fr; } .steps--line::before { display: none; } }

/* ---------- lead band with photo ---------- */
.lead-band__photo { margin: 0 0 22px; border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 4 / 3; max-width: 520px; box-shadow: var(--shadow-md); }
.lead-band__photo img { width: 100%; height: 100%; object-fit: cover; }