/* FinForce premium layer (draft, 9 Oct 2026). Loaded after styles.css and v2.css.
   Brand: charcoal #0C1514, mint #95E1D4. Overrides only; remove this file to roll back. */
:root {
  --charcoal: #0C1514;
  --mint: #95E1D4;
  --mint-ink: #2F6B62;            /* mint-family colour dark enough for text on light backgrounds (AA) */
  --legal-on-dark: rgba(246, 243, 236, 0.74);
  --ring: 0 0 0 3px rgba(149, 225, 212, 0.55);
  --section-y: clamp(3.5rem, 7vw, 6.5rem);
}

/* Typography: one family (DM Sans), more air, numbers that line up */
body { font-size: 1.0625rem; line-height: 1.65; text-rendering: optimizeLegibility; -webkit-font-smoothing: antialiased; }
h1 { font-size: clamp(2.4rem, 5.6vw, 4.4rem); letter-spacing: -0.04em; line-height: 1.02; }
h2 { font-size: clamp(1.75rem, 3.4vw, 2.6rem); letter-spacing: -0.03em; line-height: 1.08; }
h3 { letter-spacing: -0.02em; }
.lede { font-size: clamp(1.08rem, 1.6vw, 1.22rem); line-height: 1.6; max-width: 40rem; }
.eyebrow, .kicker, .calc-kicker { letter-spacing: 0.18em; }
.big, .ctrl output, .result-meta strong, .fig-table td, .num-entry, .split-card small { font-variant-numeric: tabular-nums lining-nums; }
.prose p, .prose li { max-width: 68ch; }

/* Rhythm */
main > section:not(.hero):not(.trust):not(.xlink):not(.page-hero) { padding-top: var(--section-y); padding-bottom: var(--section-y); }

/* Header: crisper, blurred glass on scroll-over content */
.site-header { backdrop-filter: saturate(140%) blur(10px); -webkit-backdrop-filter: saturate(140%) blur(10px); border-bottom: 1px solid rgba(149, 225, 212, 0.18); }
.nav-links a { position: relative; }
.nav-links a[aria-current="page"]::after { content: ""; position: absolute; left: 0; right: 0; bottom: -6px; height: 2px; background: var(--mint); border-radius: 2px; }

/* Buttons and focus */
.btn { min-height: 48px; border-radius: 999px; font-weight: 600; letter-spacing: 0.005em; transition: transform .2s var(--ease), background-color .2s, box-shadow .2s; }
.btn:hover { box-shadow: 0 8px 24px -12px rgba(149, 225, 212, 0.65); }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible, summary:focus-visible { outline: none; box-shadow: var(--ring); border-radius: 6px; }
.btn:focus-visible { border-radius: 999px; }

/* Cards */
.card, .calc, .tile { border-radius: var(--r, 16px); transition: transform .25s var(--ease), box-shadow .25s, border-color .25s; }
.card:hover, .tile:hover { transform: translateY(-2px); box-shadow: 0 18px 40px -24px rgba(12, 21, 20, 0.45); border-color: rgba(149, 225, 212, 0.6); }

/* Calculators */
.calc { padding: clamp(1.4rem, 2.6vw, 2rem); box-shadow: 0 1px 0 rgba(12,21,20,0.04), 0 20px 40px -32px rgba(12,21,20,0.35); }
.calc-kicker, .calc-result .label { color: var(--mint-ink); }
.ctrl-top { align-items: center; flex-wrap: wrap; }
.ctrl-top label { flex: 1 1 auto; }
.ctrl output { display: none; }                         /* the typed number box replaces it once JS runs */
html:not(.calc-ready) .ctrl output { display: inline; }  /* no-JS fallback */
.num-entry {
  width: 8.5rem; min-height: 40px; padding: 0.35rem 0.6rem; text-align: right;
  font: 600 1rem/1.2 var(--sans); color: var(--charcoal);
  background: #fff; border: 1px solid rgba(12, 21, 20, 0.18); border-radius: 10px;
}
.num-entry:focus { border-color: var(--mint-ink); }
.ctrl input[type="range"] { height: 4px; border-radius: 4px; background: rgba(12, 21, 20, 0.14); margin: 0.6rem 0 0.2rem; }
.ctrl input[type="range"]::-webkit-slider-thumb { width: 22px; height: 22px; }
.ctrl input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; }
.check-row { display: flex; gap: 0.6rem; align-items: flex-start; font-size: 0.9rem; color: var(--muted); margin: 0.4rem 0 1rem; cursor: pointer; }
.check-row input { margin-top: 0.25rem; width: 18px; height: 18px; accent-color: var(--mint-ink); flex: none; }
.calc-result .big { font-weight: 700; color: var(--charcoal); }
.calc-result .big.is-over { color: #9a3412; }
.fig-table { width: 100%; border-collapse: collapse; margin: 0.2rem 0 0.6rem; font-size: 0.92rem; }
.fig-table th, .fig-table td { padding: 0.55rem 0; border-bottom: 1px solid var(--hair); vertical-align: top; }
.fig-table th { font-weight: 500; color: var(--muted); text-align: left; padding-right: 1rem; }
.fig-table td { font-weight: 700; color: var(--charcoal); text-align: right; white-space: nowrap; }
.disclaimer-banner a { color: var(--charcoal); text-decoration: underline; text-underline-offset: 2px; }
.noscript-note p { background: #fff7e6; border-left: 3px solid #b45309; padding: 0.7rem 1rem; margin: 1rem 0 0; }
.sources-block li { margin-bottom: 0.5rem; }

/* Footer: readable legal text, explicit general advice warning */
.foot-gaw { border: 1px solid rgba(149, 225, 212, 0.28); border-left: 3px solid var(--mint); border-radius: 12px; padding: 1rem 1.2rem; margin: 0 0 1.6rem; background: rgba(149, 225, 212, 0.05); }
.foot-gaw p { margin: 0; font-size: 0.86rem; line-height: 1.6; color: rgba(246, 243, 236, 0.86); max-width: 80rem; }
.foot-gaw strong { color: var(--mint); }
.foot-gaw a, .foot-legal a { text-decoration: underline; text-underline-offset: 2px; }
.foot-legal { font-size: 0.82rem; line-height: 1.6; color: var(--legal-on-dark); display: grid; gap: 0.6rem; }

/* Legal pages */
.legal-prose { max-width: 46rem; }
.legal-prose h2 { font-size: clamp(1.25rem, 2vw, 1.5rem); margin: 2.2rem 0 0.6rem; }
.legal-prose ul { padding-left: 1.2rem; }
.legal-prose li { margin: 0.35rem 0; }
.fsg-card { background: var(--charcoal); color: #F6F3EC; border-radius: 16px; padding: clamp(1.4rem, 3vw, 2.2rem); margin-bottom: 2rem; }
.fsg-card h2 { color: #F6F3EC; margin-top: 0.2rem; }
.fsg-card .kicker { color: var(--mint); }
.fsg-card .btn-line { color: #F6F3EC !important; border-color: rgba(246,243,236,0.5); }

/* Forms */
.form input, .form select, .form textarea { border-radius: 10px; min-height: 48px; font-size: 16px; }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }

/* Draft placeholders: deliberately loud so nothing ships unfilled */
.ph { background: #fff3c4; color: #5b4200; outline: 1px dashed #b38600; padding: 0 0.25em; border-radius: 3px; font-weight: 600; }
.fsg-card .ph { color: #5b4200; }
.ph-note { background: #fff8dc; border: 1px dashed #b38600; border-radius: 10px; padding: 0.8rem 1rem; color: #5b4200; font-size: 0.92rem; }
.ph-banner { background: #fff3c4; border-bottom: 1px dashed #b38600; color: #5b4200; padding: 0.8rem 0; font-size: 0.9rem; }
.ph-banner p { margin: 0; }

@media (max-width: 640px) {
  body { font-size: 1rem; }
  .num-entry { width: 7.5rem; }
  .fig-table td { white-space: normal; }
  .foot-gaw { padding: 0.9rem 1rem; }
}
@media (prefers-reduced-motion: reduce) {
  .btn, .card, .tile, .calc { transition: none; }
  .card:hover, .tile:hover { transform: none; }
}

/* Calculator layout tidy-ups */
.ctrl-top { display: grid; grid-template-columns: 1fr auto; align-items: center; column-gap: 0.75rem; }
.calc-result { margin-top: 1.25rem; }
.calc-grid { align-items: start; }

/* Form failure fallback */
.form-fail { background: #fdecea; border-left: 3px solid #b42318; color: #7a1d14; padding: 0.7rem 0.9rem; border-radius: 8px; font-size: 0.92rem; margin-top: 0.8rem; }
.form-fail a { color: inherit; text-decoration: underline; }

/* a11y 9 Oct live rebase */
.foot-legal a, .foot-gaw a, .prose a, .form-note a, .check-row a { text-decoration: underline; text-underline-offset: 2px; }
.site-footer h3 { font-size: 0.78rem; letter-spacing: 0.12em; text-transform: uppercase; margin: 0 0 0.9rem; }
.ff-team .tm-r2 { color: rgba(246,243,236,0.86); }
.ff-team .tm-bio { color: rgba(246,243,236,0.8); }
/* a11y: mint labels on light (paper) sections need a darker teal; placeholder notes keep their own colour */
.band-paper .stat-list strong, section:not(.band-dark) .stat-list strong { color: #1f5f55; }
.band-dark .stat-list strong, .ff-team .stat-list strong { color: var(--mint); }
.checklist-panel .kicker { color: #7fc7ba; }
.ph-note, .portrait-panel .ph-note, .ff-team .ph-note { color: #5b4200 !important; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* small touches */
.chloe-line { margin-top: 0.6rem; font-size: 0.92rem; }
.foot-egg { margin: 1rem 0 0; font-size: 0.78rem; font-style: italic; }
.calc-egg { font-style: italic; }

/* Chloe bar: slim, sits under the header on every page */
.chloe-bar { --cb-bg: #0C1514; --cb-accent: #95E1D4; background: linear-gradient(180deg, #0C1514 0%, #0F1A19 100%); color: #B8C4C2; border-bottom: 1px solid rgba(149,225,212,0.22); box-shadow: inset 0 1px 0 rgba(149,225,212,0.10); font-size: 0.9rem; line-height: 1.35; }
.chloe-bar-inner { display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 0.35rem 0.9rem; padding-top: 0.6rem; padding-bottom: 0.6rem; text-align: center; }
.chloe-bar p { margin: 0; color: inherit; }
.cb-ring { display: inline-grid; place-items: center; width: 26px; height: 26px; border-radius: 50%; border: 1px solid var(--cb-accent); color: var(--cb-accent); flex: none; }
.cb-icon { display: block; }
.cb-call { font-weight: 500; letter-spacing: 0.01em; color: #B8C4C2; }
.cb-call a { color: var(--cb-accent); font-weight: 700; text-decoration: none; border-bottom: 1px solid rgba(149,225,212,0.45); padding-bottom: 1px; white-space: nowrap; margin-left: 0.2rem; }
.cb-call a:hover, .cb-call a:focus-visible { border-bottom-color: var(--cb-accent); }
.cb-sep { width: 4px; height: 4px; border-radius: 50%; background: var(--cb-accent); opacity: 0.7; }
.cb-text { font-style: italic; color: #A3B3B0; }
@media (max-width: 640px) {
  .chloe-bar { font-size: 0.84rem; }
  .chloe-bar-inner { gap: 0.25rem 0.6rem; }
  .cb-sep { display: none; }
  .cb-text { flex-basis: 100%; }
}

/* Shay's photo: team card + home portrait panel */
.tm-av.tm-photo { padding: 0; overflow: hidden; background: none; box-shadow: 0 0 0 2px #95E1D4, 0 0 0 5px rgba(149,225,212,0.18); }
.tm-av.tm-photo img { width: 100%; height: 100%; object-fit: cover; border-radius: 50%; display: block; }
.pp-photo { display: block; width: 120px; height: 120px; border-radius: 50%; overflow: hidden; margin-bottom: 1.4rem; box-shadow: 0 0 0 3px #95E1D4, 0 0 0 8px rgba(149,225,212,0.16); }
.pp-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
@media (max-width: 640px) { .pp-photo { width: 104px; height: 104px; } }

/* Shay lead line under the hero */
.shay-lead { background: #0C1514; border-top: 1px solid rgba(149,225,212,0.18); padding: 1.6rem 0; }
.shay-lead-inner { display: flex; align-items: center; gap: 1.1rem; }
.shay-lead-photo { flex: none; width: 64px; height: 64px; border-radius: 50%; overflow: hidden; box-shadow: 0 0 0 2px #95E1D4, 0 0 0 5px rgba(149,225,212,0.16); }
.shay-lead-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.shay-lead p { margin: 0; max-width: 60rem; color: #F6F3EC; font-size: clamp(1.02rem, 1.6vw, 1.22rem); line-height: 1.5; font-weight: 500; }
@media (max-width: 640px) { .shay-lead-inner { align-items: flex-start; } .shay-lead-photo { width: 52px; height: 52px; } }

/* Founder credit: reusable small thumbnail + name/role, one line. Use on dark (charcoal) backgrounds. */
.founder-credit { display: flex; align-items: center; gap: 0.9rem; margin: 0 0 1.3rem; color: #B8C4C2; font-size: 0.95rem; line-height: 1.3; }
.founder-credit .fc-photo { flex: none; width: 80px; height: 80px; border-radius: 50%; overflow: hidden; box-shadow: 0 0 0 2px rgba(149,225,212,0.85), 0 0 0 6px rgba(149,225,212,0.12); }
.founder-credit .fc-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.founder-credit .fc-name { color: #F6F3EC; font-weight: 600; }
@media (max-width: 640px) { .founder-credit .fc-photo { width: 72px; height: 72px; } }

/* Home only: Chloe bar blends into the hero photo (no hard edge). */
.chloe-bar.cb-blend { background: #0C1514; border-bottom: 0; box-shadow: none; position: relative; z-index: 2; }
.cb-blend .cb-textchloe { color: #95E1D4; font-weight: 600; }
.cb-blend .cb-num { font-style: normal; }
.cb-blend .cb-num a { color: #95E1D4; font-weight: 700; text-decoration: none; border-bottom: 1px solid rgba(149,225,212,0.45); padding-bottom: 1px; white-space: nowrap; }
.cb-blend .cb-num a:hover, .cb-blend .cb-num a:focus-visible { border-bottom-color: #95E1D4; }
.hero-media::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: clamp(120px, 22vh, 220px); background: linear-gradient(180deg, #0C1514 0%, rgba(12,21,20,0.85) 30%, rgba(12,21,20,0) 100%); z-index: 1; pointer-events: none; }
@media (max-width: 640px) { .cb-blend .cb-num { flex-basis: auto; } .cb-blend .chloe-bar-inner { gap: 0.25rem 0.6rem; } }

/* Contact: inline Calendly */
.cal-inline { background: #EEF3F1; }
.cal-inline-lede { max-width: 44rem; color: var(--muted); margin-bottom: 1.4rem; }
.cal-inline-frame { border: 1px solid rgba(12,21,20,0.12); border-top: 3px solid #95E1D4; border-radius: 14px; overflow: hidden; background: #F6F3EC; box-shadow: 0 20px 40px -32px rgba(12,21,20,0.35); }
.calendly-inline { display: block; width: 100%; height: 760px; border: 0; }
.cal-inline-alt { margin-top: 0.9rem; font-size: 0.88rem; color: var(--muted); }
.cal-inline-alt a { color: var(--mint-ink); text-decoration: underline; text-underline-offset: 2px; }
@media (max-width: 640px) { .calendly-inline { height: 1000px; } }

/* Calendly popup sits above the sticky header and mobile action bar */
.calendly-overlay { z-index: 2147483000 !important; }
body:has(.calendly-overlay) .action-bar, body:has(.calendly-overlay) .site-header { visibility: hidden; }

/* ---- Less white (9 Oct 2026, 9:05pm): tinted surfaces, one-piece dark top, charcoal CTA bands ---- */
:root { --section-y: clamp(2.75rem, 5.5vw, 5rem); --tint: #ECF1EE; --tint-2: #E2EAE6; --tint-card: #F5F7F4; }
body { background: var(--tint); }
.band-paper { background: var(--tint-2); }
.card, .band-paper .card, .calc, .band-paper .calc, .split-card, .ff-table-wrap { background: var(--tint-card); }
.band-dark .card { background: transparent; }
.num-entry, .ff-select { background: #FAFBF9; }
.cal-inline { background: var(--tint-2); }
/* header + Chloe bar + hero read as one dark piece */
.site-header { background: #0C1514; border-bottom: 0; backdrop-filter: none; -webkit-backdrop-filter: none; }
.page-hero.with-photo::after { content: ""; position: absolute; left: 0; right: 0; top: 0; height: clamp(90px, 16vh, 160px); background: linear-gradient(180deg, #0C1514 0%, rgba(12,21,20,0) 100%); z-index: 0; pointer-events: none; }
.page-hero { padding: 3.25rem 0 2.6rem; }
/* closing CTA sections become charcoal bands */
section:has(> .close-cta) { background: #0C1514; color: #F6F3EC; }
.close-cta h2 { color: #F6F3EC; }
.close-cta .kicker { color: #95E1D4; }
.close-cta p, .close-cta .lede.muted { color: rgba(246,243,236,0.82) !important; }
.close-cta .btn-ink { background: #95E1D4; color: #0C1514 !important; border-color: #95E1D4; }
.close-cta .btn-ink:hover { background: #B5ECE2; border-color: #B5ECE2; }
.close-cta .btn-line { color: #F6F3EC !important; border-color: rgba(246,243,236,0.55); background: transparent; }
.close-cta .btn-line:hover { background: #F6F3EC; color: #0C1514 !important; }
.close-cta .calc-note { color: rgba(246,243,236,0.72); }
.close-cta a:not(.btn) { color: #95E1D4; }