/* Private.Finance — design system
   Palette: vault ink, banknote cream, emerald ledger, bullion gold */
:root{
  --ink:#0d1b1e; --ink-2:#1d3034; --paper:#f6f3ec; --card:#fffdf8; --line:#e3ddcf;
  --muted:#5a6a6d; --emerald:#0f5c4d; --emerald-2:#137a66; --mint:#d9efe7;
  --gold:#c9a227; --gold-2:#e8c955; --rose:#b4443a; --sky:#2c6e9b;
  --text:#14231f; --bg:var(--paper); --shadow:0 1px 2px rgba(13,27,30,.06),0 8px 24px rgba(13,27,30,.07);
  --radius:16px; --radius-sm:10px; --maxw:1200px;
  --f-display:"Fraunces",Georgia,"Times New Roman",serif;
  --f-body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --f-mono:"JetBrains Mono",ui-monospace,SFMono-Regular,Menlo,monospace;
}
[data-theme="dark"]{
  --bg:#0a1315; --card:#101d20; --line:#22363a; --text:#e8e5db; --muted:#9aaaa9;
  --mint:#123a32; --ink-2:#cfe0dc; --shadow:0 1px 2px rgba(0,0,0,.3),0 8px 24px rgba(0,0,0,.35);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--f-body);font-size:17px;line-height:1.65;color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased}
img,svg,canvas{max-width:100%;display:block}
a{color:var(--emerald-2);text-underline-offset:3px}
[data-theme="dark"] a{color:#5fd0b4}
h1,h2,h3,h4{font-family:var(--f-display);line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2.2rem,5vw,3.6rem)}
h2{font-size:clamp(1.6rem,3vw,2.3rem)}
h3{font-size:1.3rem}
p{margin:0 0 1em}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:#000;padding:8px 14px;z-index:999}
.skip:focus{left:8px}
.num,.mono{font-family:var(--f-mono);font-variant-numeric:tabular-nums}
.eyebrow{font-family:var(--f-mono);font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--emerald-2);font-weight:600}
[data-theme="dark"] .eyebrow{color:var(--gold-2)}
.muted{color:var(--muted)}
.center{text-align:center}

/* Required top inquiry strip */
.topstrip{background:var(--ink);color:#f3efe2;font-size:.85rem;text-align:center;padding:8px 14px;line-height:1.4}
.topstrip a{color:var(--gold-2);font-weight:600;text-decoration:none}
.topstrip a:hover{text-decoration:underline}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--bg) 88%,transparent);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:18px;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--text);font-family:var(--f-display);font-weight:700;font-size:1.3rem;letter-spacing:-.02em}
.brand .dot{color:var(--gold)}
.brand svg{width:34px;height:34px}
.menu{display:flex;gap:4px;margin-left:auto;align-items:center;list-style:none;padding:0;margin-top:0;margin-bottom:0}
.menu a{display:block;padding:8px 12px;border-radius:8px;text-decoration:none;color:var(--text);font-weight:500;font-size:.95rem}
.menu a:hover,.menu a[aria-current="page"]{background:var(--mint)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 20px;border-radius:999px;border:1px solid transparent;font:600 .98rem/1 var(--f-body);cursor:pointer;text-decoration:none;transition:transform .15s,box-shadow .15s,background .15s}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--emerald);color:#fff!important}
.btn-primary:hover{background:var(--emerald-2);box-shadow:0 6px 18px rgba(15,92,77,.3)}
.btn-gold{background:var(--gold);color:#111!important}
.btn-gold:hover{background:var(--gold-2)}
.btn-ghost{background:transparent;border-color:var(--line);color:var(--text)!important}
.btn-ghost:hover{border-color:var(--emerald-2)}
.btn-sm{padding:8px 14px;font-size:.88rem}
.btn-lg{padding:16px 28px;font-size:1.05rem}
.icon-btn{background:none;border:1px solid var(--line);color:var(--text);width:40px;height:40px;border-radius:10px;display:inline-grid;place-items:center;cursor:pointer}
.icon-btn:hover{border-color:var(--emerald-2)}
.burger{display:none}
.icon-btn svg{width:18px;height:18px}
.calc>*,.lead-shell>*,.article-layout>*{min-width:0}
#dp-rows input{padding:8px;font-size:.9rem;min-width:64px}
#dp-rows .d-n{min-width:110px}
.band .tile p{color:#b9c6c3}
@media (max-width:980px){
  .burger{display:inline-grid;margin-left:auto}
  .menu{position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;background:var(--card);border-bottom:1px solid var(--line);padding:12px 20px 20px;gap:2px;display:none;box-shadow:var(--shadow);max-height:calc(100vh - 140px);overflow:auto}
  .menu.open{display:flex}
  .menu a{padding:12px}
}

/* Hero */
.hero{padding:64px 0 48px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:-40% -10% auto auto;width:640px;height:640px;background:radial-gradient(closest-side,rgba(201,162,39,.18),transparent);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero h1 em{font-style:italic;color:var(--emerald)}
[data-theme="dark"] .hero h1 em{color:var(--gold-2)}
.lede{font-size:1.2rem;color:var(--muted);max-width:40ch}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0}
.trust{display:flex;flex-wrap:wrap;gap:18px;font-size:.88rem;color:var(--muted);margin-top:8px}
.trust span::before{content:"✓ ";color:var(--emerald-2);font-weight:700}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.hero{padding:40px 0 24px}}

/* Cards & grids */
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.tile{display:flex;flex-direction:column;gap:8px;text-decoration:none;color:var(--text);transition:transform .2s,border-color .2s}
.tile:hover{transform:translateY(-3px);border-color:var(--emerald-2)}
.tile .ico{width:44px;height:44px;border-radius:12px;background:var(--mint);display:grid;place-items:center;font-size:1.35rem}
.tile h3{margin:4px 0 0;font-size:1.15rem}
.tile p{margin:0;color:var(--muted);font-size:.95rem}
.tag{display:inline-block;font:600 .72rem/1 var(--f-mono);letter-spacing:.08em;text-transform:uppercase;padding:5px 8px;border-radius:6px;background:var(--mint);color:var(--emerald)}
[data-theme="dark"] .tag{color:#7fe0c6}
section{padding:56px 0}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:24px;flex-wrap:wrap}
.section-head p{margin:0;color:var(--muted);max-width:60ch}
.band{background:var(--ink);color:#efeadb}
.band h2,.band h3{color:#fff}
.band .muted{color:#a9b8b5}
.band .card{background:#13262a;border-color:#24403f;color:#efeadb}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.stat b{display:block;font:600 2rem/1.1 var(--f-mono);color:var(--gold-2)}
.stat span{font-size:.9rem;color:#a9b8b5}
@media (max-width:700px){.stats{grid-template-columns:repeat(2,1fr)}}

/* Hero calculator widget */
.widget{padding:26px;position:relative}
.widget .big{font:600 clamp(2rem,4vw,2.8rem)/1.1 var(--f-mono);color:var(--emerald);margin:6px 0 2px}
[data-theme="dark"] .widget .big{color:var(--gold-2)}
.range{width:100%;accent-color:var(--emerald)}
.field{margin-bottom:16px}
.field label{display:flex;justify-content:space-between;font-weight:600;font-size:.92rem;margin-bottom:6px}
.field label output{font-family:var(--f-mono);color:var(--emerald-2)}
input[type=text],input[type=email],input[type=tel],input[type=number],input[type=url],select,textarea{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:var(--radius-sm);background:var(--bg);color:var(--text);font:inherit;font-size:1rem}
input:focus,select:focus,textarea:focus{outline:2px solid var(--emerald-2);outline-offset:1px;border-color:transparent}
textarea{min-height:120px;resize:vertical}
.input-group{position:relative}
.input-group .pre{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-family:var(--f-mono);pointer-events:none}
.input-group input{padding-left:34px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:520px){.row{grid-template-columns:1fr}}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--muted)}
.check input{margin-top:4px;accent-color:var(--emerald)}

/* Calculator layout */
.calc{display:grid;grid-template-columns:400px 1fr;gap:24px;align-items:start}
@media (max-width:900px){.calc{grid-template-columns:1fr}}
.results{position:sticky;top:90px}
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin-bottom:18px}
.kpi{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:14px}
.kpi small{display:block;color:var(--muted);font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em}
.kpi b{font:600 1.35rem/1.3 var(--f-mono)}
.kpi.hl{background:var(--emerald);border-color:var(--emerald);color:#fff}
.kpi.hl small{color:#cfe9e1}
.chart-box{position:relative;height:280px}
.legend{display:flex;gap:16px;flex-wrap:wrap;font-size:.85rem;color:var(--muted);margin-top:8px}
.legend i{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:6px;vertical-align:-1px}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left}
th{font-size:.8rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
td.num,th.num{text-align:right}
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:12px;background:var(--card)}
.privacy-note{display:flex;gap:10px;align-items:center;font-size:.85rem;color:var(--muted);background:var(--mint);border-radius:10px;padding:10px 14px;margin-top:14px}
.privacy-note::before{content:"🔒"}
.currency-pick{display:inline-flex;align-items:center;gap:8px;font-size:.88rem}
.currency-pick select{width:auto;padding:6px 10px}

/* Article */
.article-head{padding:48px 0 16px}
.byline{display:flex;flex-wrap:wrap;gap:14px;align-items:center;font-size:.9rem;color:var(--muted);margin-top:14px}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted)}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;align-items:start}
@media (max-width:980px){.article-layout{grid-template-columns:1fr}.aside{order:2}}
.prose{font-size:1.08rem}
.prose h2{margin-top:1.8em;font-size:1.75rem}
.prose h3{margin-top:1.4em;font-size:1.25rem}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.4em}
.prose table{margin:1.2em 0;background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden;display:block;overflow-x:auto}
.prose blockquote{border-left:4px solid var(--gold);margin:1.4em 0;padding:.4em 1.2em;background:var(--card);border-radius:0 10px 10px 0}
.prose .takeaways{background:var(--mint);border-radius:14px;padding:6px 22px;border:1px solid color-mix(in srgb,var(--emerald) 25%,transparent)}
.aside .card{margin-bottom:20px}
.aside .sticky{position:sticky;top:90px}
.toc a{display:block;padding:5px 0;color:var(--muted);text-decoration:none;font-size:.92rem;border-left:2px solid var(--line);padding-left:12px}
.toc a:hover,.toc a.active{color:var(--emerald-2);border-color:var(--emerald-2)}
.disclosure{font-size:.85rem;color:var(--muted);border:1px dashed var(--line);border-radius:10px;padding:12px 14px;margin:20px 0}
.faq details{border-bottom:1px solid var(--line);padding:14px 0}
.faq summary{cursor:pointer;font-weight:600;font-size:1.05rem;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::after{content:"+";font-family:var(--f-mono);color:var(--emerald-2)}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:10px 0 0;color:var(--muted)}

/* Ads */
.ad-wrap{margin:28px auto;text-align:center;min-height:0}
.ad-wrap .ad-label{font:600 .68rem/1 var(--f-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.ad-wrap:empty{display:none}

/* Lead gen */
.lead-shell{display:grid;grid-template-columns:1fr 360px;gap:28px;align-items:start}
@media (max-width:980px){.lead-shell{grid-template-columns:1fr}}
.progress{height:8px;background:var(--line);border-radius:999px;overflow:hidden;margin:6px 0 22px}
.progress span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--emerald),var(--gold));transition:width .35s}
.step{display:none;animation:fade .3s ease}
.step.active{display:block}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.choices{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media (max-width:560px){.choices{grid-template-columns:1fr}}
.choice{position:relative}
.choice input{position:absolute;opacity:0;inset:0}
.choice span{display:flex;gap:10px;align-items:center;padding:16px;border:1.5px solid var(--line);border-radius:12px;background:var(--bg);cursor:pointer;font-weight:500;transition:border-color .15s,background .15s}
.choice span em{font-style:normal;font-size:1.3rem}
.choice input:checked+span{border-color:var(--emerald);background:var(--mint);box-shadow:inset 0 0 0 1px var(--emerald)}
.choice input:focus-visible+span{outline:2px solid var(--gold)}
.step-nav{display:flex;justify-content:space-between;gap:12px;margin-top:22px}
.steps-list{counter-reset:s;list-style:none;padding:0;margin:0}
.steps-list li{counter-increment:s;position:relative;padding:0 0 18px 44px}
.steps-list li::before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--emerald);color:#fff;display:grid;place-items:center;font:600 .9rem var(--f-mono)}
.lead-banner{background:linear-gradient(135deg,var(--emerald) 0%,#0a3f35 100%);color:#fff;border-radius:22px;padding:40px;display:grid;grid-template-columns:1.2fr 1fr;gap:30px;align-items:center;position:relative;overflow:hidden}
.lead-banner::after{content:"";position:absolute;right:-60px;bottom:-60px;width:260px;height:260px;border-radius:50%;border:40px solid rgba(232,201,85,.18)}
.lead-banner h2{color:#fff}
.lead-banner p{color:#d4ece5}
.lead-banner .card{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.18);color:#fff;position:relative;z-index:1}
.lead-banner select{background:#fff;color:#111}
@media (max-width:860px){.lead-banner{grid-template-columns:1fr;padding:28px}}
.inline-lead{border:2px solid var(--emerald);background:var(--card);border-radius:16px;padding:22px;margin-top:24px}
.form-msg{margin-top:12px;font-weight:600}
.form-msg.ok{color:var(--emerald-2)}
.form-msg.err{color:var(--rose)}
.hp{position:absolute!important;left:-9999px!important;height:0;width:0;opacity:0}

/* Donate */
.tiers{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media (max-width:900px){.tiers{grid-template-columns:repeat(2,1fr)}}
.tier{text-align:center;cursor:pointer;border:1.5px solid var(--line)}
.tier.sel{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,162,39,.25)}
.tier b{font:600 1.8rem var(--f-mono);display:block}
.alloc{display:flex;height:16px;border-radius:999px;overflow:hidden;margin:12px 0}
.alloc span{display:block;height:100%}

/* Quiz */
.quiz-q{display:none}.quiz-q.active{display:block}
.score-ring{width:160px;height:160px;margin:0 auto 14px}

/* Video */
.vid{position:relative;aspect-ratio:16/9;border-radius:14px;overflow:hidden;background:#000;cursor:pointer}
.vid img{width:100%;height:100%;object-fit:cover;opacity:.85;transition:opacity .2s}
.vid:hover img{opacity:1}
.vid .play{position:absolute;inset:0;display:grid;place-items:center}
.vid .play span{width:68px;height:48px;border-radius:12px;background:rgba(200,30,30,.92);display:grid;place-items:center;color:#fff;font-size:1.4rem}
.vid iframe{position:absolute;inset:0;width:100%;height:100%;border:0}

/* Search */
.search-modal{position:fixed;inset:0;background:rgba(5,12,14,.6);z-index:200;display:none;padding:10vh 16px}
.search-modal.open{display:block}
.search-box{max-width:640px;margin:0 auto;background:var(--card);border-radius:16px;padding:16px;box-shadow:0 20px 60px rgba(0,0,0,.4)}
.search-results{max-height:55vh;overflow:auto;margin-top:10px}
.search-results a{display:block;padding:10px 12px;border-radius:10px;text-decoration:none;color:var(--text)}
.search-results a:hover,.search-results a.focus{background:var(--mint)}
.search-results small{display:block;color:var(--muted)}

/* Glossary */
.az{display:flex;flex-wrap:wrap;gap:6px;margin-bottom:24px}
.az a{font-family:var(--f-mono);padding:6px 10px;border:1px solid var(--line);border-radius:8px;text-decoration:none}
.term{padding:16px 0;border-bottom:1px solid var(--line)}
.term h3{font-size:1.15rem;margin:0 0 4px}
.term p{margin:0;color:var(--muted)}

/* Footer */
.site-footer{background:var(--ink);color:#c8d3d0;padding:56px 0 24px;margin-top:40px;font-size:.93rem}
.site-footer a{color:#e8e4d6;text-decoration:none}
.site-footer a:hover{color:var(--gold-2)}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:28px}
.foot-grid h4{font-family:var(--f-mono);font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-2);margin-bottom:12px}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin-bottom:7px}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
.legal-small{border-top:1px solid #23383b;margin-top:36px;padding-top:20px;font-size:.8rem;color:#8fa19e;line-height:1.6}
.newsletter{display:flex;gap:8px;margin-top:12px}
.newsletter input{background:#13262a;border-color:#2a4448;color:#fff}

/* Cookie + sticky CTA */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;max-width:560px;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px 18px;box-shadow:0 12px 40px rgba(0,0,0,.25);z-index:150;display:none;font-size:.9rem}
.cookie.show{display:block}
.cookie .btns{display:flex;gap:8px;margin-top:10px}
.mobile-cta{display:none}
@media (max-width:700px){
  .mobile-cta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:90;background:var(--card);border-top:1px solid var(--line);padding:10px 14px;gap:10px;box-shadow:0 -6px 20px rgba(0,0,0,.08)}
  .mobile-cta .btn{flex:1}
  body{padding-bottom:70px}
}
.reveal{opacity:0;transform:translateY(14px);transition:opacity .6s,transform .6s}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}
.pill-list{display:flex;flex-wrap:wrap;gap:8px}
.pill-list a,.pill-list button{padding:8px 14px;border:1px solid var(--line);border-radius:999px;text-decoration:none;color:var(--text);background:var(--card);font:inherit;font-size:.9rem;cursor:pointer}
.pill-list .on{background:var(--emerald);color:#fff;border-color:var(--emerald)}
.note{background:var(--card);border-left:4px solid var(--gold);padding:14px 18px;border-radius:0 12px 12px 0}
.price{font:600 2rem var(--f-mono)}
.list-check{list-style:none;padding:0}
.list-check li{padding-left:26px;position:relative;margin-bottom:8px}
.list-check li::before{content:"✓";position:absolute;left:0;color:var(--emerald-2);font-weight:700}