/* First Home Stack — Concept 1 "Clean Bank"
   White background, deep navy + teal palette, fintech-clean.
   Palette: navy #0b2545 · navy-2 #13315c · teal #0e7c7b · teal-dark #0a5e5d */
:root{
  --navy:#0b2545; --navy2:#13315c; --ink:#1b2a41; --muted:#5b6b82;
  --teal:#0e7c7b; --teal-dark:#0a5e5d; --teal-soft:#e7f3f3;
  --paper:#ffffff; --bg:#ffffff; --panel:#f4f7fa;
  --line:#d8e1ea; --line-soft:#e6edf3;
  --warn-bg:#fdf8ec; --warn-line:#ecd9a0; --warn-accent:#c07f13;
  --red:#b3261e; --red-bg:#fbeae9; --ok-bg:#e7f3f3;
  --radius:12px;
  --shadow-sm:0 1px 2px rgba(11,37,69,.05);
  --shadow-card:0 1px 3px rgba(11,37,69,.05),0 10px 30px rgba(11,37,69,.06);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  background:var(--bg);color:var(--ink);line-height:1.55;font-size:16px;
  -webkit-font-smoothing:antialiased}
a{color:var(--teal-dark)}
a:hover{color:var(--teal)}
img{max-width:100%}
::selection{background:#cfe8e8}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px;width:100%}

/* header — white bar, navy brand, teal accent */
header.site{background:#fff;border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;flex-wrap:wrap;align-items:center;gap:10px 26px;padding-top:15px;padding-bottom:15px}
.brand{font-weight:800;font-size:20px;color:var(--navy);text-decoration:none;letter-spacing:-.01em}
.brand span{color:var(--teal)}
.brand .b-ca{color:var(--muted)}
.brand:hover{color:var(--navy)}
nav.main{display:flex;flex-wrap:wrap;gap:4px 16px;font-size:14px}
nav.main a{color:#3d526d;text-decoration:none;padding:3px 0}
nav.main a:hover{color:var(--navy);text-decoration:underline;text-underline-offset:4px}
nav.main a[aria-current]{color:var(--teal-dark);font-weight:700;text-decoration:underline;text-decoration-color:var(--teal);text-decoration-thickness:2px;text-underline-offset:4px}

/* hero */
.hero{padding:36px 0 8px}
.hero h1{font-size:34px;line-height:1.13;margin:0 0 12px;color:var(--navy);letter-spacing:-.02em}
.hero p.lede{font-size:18px;color:#40536c;max-width:720px;margin:0 0 6px}
h1{font-size:30px;line-height:1.18;color:var(--navy);letter-spacing:-.015em}
h2{font-size:21px;margin:28px 0 8px;color:var(--navy);letter-spacing:-.01em}
.tag{display:inline-block;background:var(--teal-soft);color:var(--teal-dark);font-weight:700;font-size:12.5px;
  padding:4px 11px;border-radius:999px;letter-spacing:.03em;text-transform:uppercase}
.updated{font-size:13px;color:var(--muted)}

/* homepage hero — Layout 1 "Banner Hero": wide photo banner, headline in a
   white card overlapping the banner's lower-left; calculator full width below */
.banner-hero{margin-top:22px}
.banner-hero-img{display:block;width:100%;aspect-ratio:21/9;object-fit:cover;
  object-position:50% 32%;border-radius:var(--radius);border:1px solid var(--line)}
.banner-hero-card{position:relative;z-index:1;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);box-shadow:var(--shadow-card);
  max-width:640px;margin:-86px 0 6px 30px;padding:24px 28px 20px}
.banner-hero-card .hero{padding:0}
.banner-hero-card .hero h1{margin-top:10px}
.banner-hero-card .hero p.lede{max-width:none}
@media(max-width:700px){
  .banner-hero{margin-top:14px}
  .banner-hero-img{aspect-ratio:16/10;object-position:76% 30%}
  .banner-hero-card{max-width:none;margin:-44px 10px 4px;padding:18px 18px 14px}
  .banner-hero-card .hero h1{font-size:26px}
  .banner-hero-card .hero p.lede{font-size:16.5px}
}

/* calculator card */
.calc{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);
  padding:22px;margin:18px 0;box-shadow:var(--shadow-card)}
.calc form{display:grid;grid-template-columns:1fr;gap:14px}
@media(min-width:760px){.calc form{grid-template-columns:1fr 1fr}}
.field label{display:block;font-weight:700;font-size:13.5px;margin-bottom:4px;color:var(--navy)}
.field input,.field select{width:100%;padding:10px 11px;border:1.5px solid var(--line);
  border-radius:8px;font-size:16px;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus{outline:none;border-color:var(--teal);
  box-shadow:0 0 0 3px rgba(14,124,123,.16)}
.field input[type="range"]{padding:0;border:none;box-shadow:none;accent-color:var(--teal)}
.field input[type="range"]:focus{box-shadow:none}
.field .hint{font-size:12.5px;color:var(--muted);margin-top:3px}
.seg{display:flex;gap:6px;flex-wrap:wrap}
.seg button{flex:1;min-width:fit-content;padding:9px 10px;border:1.5px solid var(--line);background:#fff;
  border-radius:8px;font-size:14.5px;cursor:pointer;color:var(--ink);transition:border-color .12s,background .12s}
.seg button:hover{border-color:var(--teal)}
.seg button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff;font-weight:700}
.presets{display:flex;gap:8px;flex-wrap:wrap;margin:16px 0 0}
.preset{padding:8px 13px;border:1.5px solid var(--teal);color:var(--teal-dark);background:#fff;border-radius:999px;
  font-size:14px;cursor:pointer;font-weight:600}
.preset:hover{background:var(--teal-soft)}
.preset[aria-pressed="true"]{background:var(--teal);border-color:var(--teal);color:#fff}

/* big numbers */
.big{display:grid;grid-template-columns:1fr;gap:12px;margin:16px 0}
@media(min-width:700px){.big{grid-template-columns:repeat(3,1fr)}}
.big .cell{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px;box-shadow:var(--shadow-sm)}
.big .cell small{display:block;font-weight:700;font-size:12.5px;text-transform:uppercase;letter-spacing:.04em;color:var(--teal-dark)}
.big .cell b{font-size:27px;color:var(--navy);letter-spacing:-.01em}
.big .cell.gold{background:var(--navy);border-color:var(--navy)}
.big .cell.gold small{color:#9fd8d7}
.big .cell.gold b{color:#fff}

/* ledgers */
table.ledger{width:100%;border-collapse:collapse;margin:14px 0;background:#fff;
  border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
table.ledger caption{text-align:left;font-weight:800;padding:12px 14px 4px;font-size:16px;color:var(--navy)}
table.ledger td{padding:8px 14px;border-top:1px solid var(--line-soft);vertical-align:top}
table.ledger td.amt{text-align:right;white-space:nowrap;font-variant-numeric:tabular-nums}
table.ledger tr.total td{font-weight:800;background:var(--panel);color:var(--navy)}
table.ledger tr.sub td{border-top:none;color:var(--muted);font-size:13.5px;padding-top:0}
.formtag{display:inline-block;margin-left:8px;background:var(--teal-soft);color:var(--teal-dark);font-size:11.5px;
  font-weight:700;padding:1px 7px;border-radius:999px;vertical-align:middle}
.num{font-variant-numeric:tabular-nums}

/* boxes */
.regime{background:var(--teal-soft);border:1px solid var(--line);border-left:4px solid var(--teal);
  border-radius:10px;padding:13px 16px;margin:14px 0}
.regime .tag{background:#fff}
.warn{background:var(--warn-bg);border:1px solid var(--warn-line);border-left:4px solid var(--warn-accent);
  border-radius:10px;padding:13px 16px;margin:12px 0}
.warn.red{background:var(--red-bg);border-color:#eec5c2;border-left-color:var(--red)}
.warn strong,.regime strong{font-weight:800}
.warn p,.regime p{margin:4px 0 0}
.cashbox{background:#fff;border:1.5px solid var(--navy);border-radius:var(--radius);padding:15px 17px;margin:14px 0}
.cashbox .row{display:flex;justify-content:space-between;gap:14px;padding:4px 0}
.cashbox .row.grand{font-weight:800;font-size:18px;color:var(--navy);border-top:1px solid var(--line);margin-top:7px;padding-top:9px}
.note{font-size:13.5px;color:var(--muted)}
.stackbar{display:flex;height:18px;border-radius:9px;overflow:hidden;background:#e6edf3;margin:10px 0 6px}
.stackbar>div{min-width:2px}
.stacklegend{display:flex;flex-wrap:wrap;gap:5px 16px;font-size:13px;color:var(--muted)}

/* content + cards */
section.block{padding:6px 0}
.cards{display:grid;grid-template-columns:1fr;gap:12px;margin:14px 0}
@media(min-width:700px){.cards{grid-template-columns:1fr 1fr}}
@media(min-width:980px){.cards{grid-template-columns:1fr 1fr 1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px;text-decoration:none;color:var(--ink);display:block;box-shadow:var(--shadow-sm);transition:border-color .12s,box-shadow .12s}
.card:hover{border-color:var(--teal);box-shadow:var(--shadow-card);color:var(--ink)}
.card h3{margin:0 0 5px;font-size:17px;color:var(--navy)}
.card p{margin:0;color:var(--muted);font-size:14.5px}
.clock{background:var(--navy);color:#fff;border-radius:var(--radius);padding:15px 18px;margin:16px 0;
  display:flex;flex-wrap:wrap;gap:6px 18px;align-items:baseline}
.clock b{font-size:22px;font-variant-numeric:tabular-nums}
.cta{border:1.5px dashed var(--teal);background:var(--panel);border-radius:var(--radius);padding:18px;margin:22px 0}
.cta h2{margin-top:0}
.cta button{padding:11px 18px;border-radius:8px;border:1.5px solid var(--muted);background:#eef1f4;color:var(--muted);
  font-size:15px;cursor:not-allowed;font-weight:700}
.disclaimer{font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:12px;margin-top:26px}
table.plain{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
@media(max-width:700px){table.plain{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch}table.plain th,table.plain td{white-space:nowrap}}
table.plain th,table.plain td{padding:9px 13px;border-top:1px solid var(--line-soft);text-align:left;vertical-align:top}
table.plain th{background:var(--panel);border-top:none;color:var(--navy)}
footer.site{margin-top:40px;background:var(--panel);border-top:1px solid var(--line)}
footer.site .wrap{padding-top:20px;padding-bottom:26px;font-size:14px;color:var(--muted)}
footer.site nav{display:flex;flex-wrap:wrap;gap:5px 14px;margin-bottom:10px}
footer.site a{color:var(--navy)}
footer.site a:hover{color:var(--teal-dark)}

/* key-facts strip (homepage) */
.facts{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:20px 0 2px}
@media(min-width:820px){.facts{grid-template-columns:repeat(4,1fr)}}
.fact{background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);padding:13px 15px}
.fact b{display:block;font-size:21px;color:var(--navy);letter-spacing:-.01em}
.fact span{display:block;margin-top:2px;font-size:13px;font-weight:600;line-height:1.4;color:var(--muted)}

/* eligibility checklist (homepage) */
.checklist{list-style:none;margin:8px 0;padding:0}
.checklist li{position:relative;padding:6px 0 6px 28px}
.checklist li+li{border-top:1px solid var(--line-soft)}
.checklist li::before{content:"✓";position:absolute;left:3px;top:6px;color:var(--teal);font-weight:800}
.regime .checklist li+li{border-top-color:#cfe3e3}

/* key-dates timeline (homepage) */
.timeline{list-style:none;margin:12px 0;padding:0 0 0 20px;border-left:2px solid var(--line)}
.timeline li{position:relative;padding:0 0 14px 12px}
.timeline li:last-child{padding-bottom:2px}
.timeline li::before{content:"";position:absolute;left:-26px;top:6px;width:10px;height:10px;border-radius:50%;
  background:var(--teal);box-shadow:0 0 0 3px #fff,0 0 0 5px var(--line)}
.timeline b{color:var(--navy)}

/* FAQ (homepage) */
.qa{border-top:1px solid var(--line-soft);padding:13px 0}
.qa h3{font-size:16.5px;margin:0 0 4px;color:var(--navy)}
.qa p{margin:0;max-width:860px}

/* small screens */
@media(max-width:640px){
  .hero{padding-top:26px}
  .hero h1{font-size:27px}
  h1{font-size:25px}
  .big .cell b{font-size:24px}
  .calc{padding:16px}
  table.ledger td,table.plain th,table.plain td{padding-left:10px;padding-right:10px}
}