/* Easy.Finance — design system
   Palette: ink navy + emerald CTA + warm paper. Deliberately NOT orange/white
   (to stay clear of any third-party "easy" trade dress). */
:root{
  --ink:#0b1f33; --ink-2:#1d3a57; --muted:#5b6b7c; --line:#e3ded3;
  --paper:#f7f5f0; --card:#ffffff; --tint:#eef4f1;
  --brand:#0e7c66; --brand-2:#0a5f4e; --cta:#10a37f; --cta-ink:#ffffff;
  --gold:#c99a2e; --warn:#b42318; --gain:#0e9f6e;
  --radius:16px; --radius-sm:10px; --shadow:0 1px 2px rgba(11,31,51,.06),0 8px 24px rgba(11,31,51,.07);
  --max:1200px;
  --display:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  color-scheme:light;
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --ink:#e8eef4; --ink-2:#c3d1de; --muted:#93a4b5; --line:#24384c;
    --paper:#0b1622; --card:#102131; --tint:#0f2a27;
    --brand:#3cc9a4; --brand-2:#61d8b8; --cta:#22b892; --cta-ink:#04201a; --gold:#e2b956;
    --shadow:0 1px 2px rgba(0,0,0,.3),0 8px 24px rgba(0,0,0,.3); color-scheme:dark;
  }
}
:root[data-theme="dark"]{
  --ink:#e8eef4; --ink-2:#c3d1de; --muted:#93a4b5; --line:#24384c;
  --paper:#0b1622; --card:#102131; --tint:#0f2a27;
  --brand:#3cc9a4; --brand-2:#61d8b8; --cta:#22b892; --cta-ink:#04201a; --gold:#e2b956;
  --shadow:0 1px 2px rgba(0,0,0,.3),0 8px 24px rgba(0,0,0,.3); color-scheme:dark;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.65 var(--sans);font-feature-settings:"tnum" 1,"cv11" 1}
img,svg,iframe{max-width:100%}
a{color:var(--brand);text-underline-offset:3px}
a:hover{color:var(--brand-2)}
h1,h2,h3{font-family:var(--display);line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em;font-weight:600}
h1{font-size:clamp(2rem,4.6vw,3.4rem)} h2{font-size:clamp(1.5rem,3vw,2.2rem)} h3{font-size:1.25rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px;top:0}.skip:focus{left:8px;top:8px;background:var(--card);padding:8px 12px;z-index:100}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}

/* Top inquiry bar (required on every page) */
.topbar{background:var(--ink);color:#fff;font-size:.86rem;text-align:center;padding:8px 12px;line-height:1.4}
:root[data-theme="dark"] .topbar{background:#05101b}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .topbar{background:#05101b}}
.topbar a{color:#7fe0c4;font-weight:600}

/* Header */
.site-head{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--paper) 88%,transparent);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.head-row{display:flex;align-items:center;gap:16px;min-height:66px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--display);font-weight:700;font-size:1.45rem;letter-spacing:-.02em}
.logo .dot{color:var(--brand)}
.logo svg{width:34px;height:34px;flex:none}
.nav{display:flex;gap:4px;margin-left:auto;align-items:center}
.nav a{color:var(--ink);text-decoration:none;padding:8px 12px;border-radius:999px;font-weight:500;font-size:.95rem}
.nav a:hover,.nav a[aria-current="page"]{background:var(--tint);color:var(--brand)}
.nav .btn{margin-left:6px}
.icon-btn{background:none;border:1px solid var(--line);color:var(--ink);border-radius:999px;width:40px;height:40px;display:inline-grid;place-items:center;cursor:pointer;font-size:1rem}
.menu-btn{display:none}
@media (max-width:980px){
  .menu-btn{display:inline-grid;margin-left:auto}
  .nav{position:fixed;inset:66px 0 auto 0;background:var(--card);flex-direction:column;align-items:stretch;padding:12px 16px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);display:none;max-height:calc(100vh - 66px);overflow:auto}
  .nav.open{display:flex}
  .nav a{padding:12px 14px}
  .nav .btn{margin:8px 0 0}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;padding:12px 22px;font:600 1rem/1 var(--sans);text-decoration:none;cursor:pointer;transition:transform .15s,background .15s}
.btn-primary{background:var(--cta);color:var(--cta-ink)!important}
.btn-primary:hover{background:var(--brand-2);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink)!important;border:1.5px solid var(--line)}
.btn-ghost:hover{border-color:var(--brand);color:var(--brand)!important}
.btn-gold{background:var(--gold);color:#1b1404!important}
.btn-lg{padding:16px 28px;font-size:1.06rem}
.btn[disabled]{opacity:.55;cursor:not-allowed}

/* Sections */
section{padding:72px 0}
.section-tight{padding:44px 0}
.eyebrow{display:inline-block;font:600 .78rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--brand);margin-bottom:14px}
.lede{font-size:1.15rem;color:var(--muted);max-width:62ch}
.center{text-align:center}.center .lede{margin-left:auto;margin-right:auto}
.alt{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}

/* Hero */
.hero{padding:64px 0 56px;position:relative;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
[data-compact] .result{position:static;margin-top:-8px}[data-compact] .card{box-shadow:none;border:0;padding:0}
.hero h1 em{font-style:italic;color:var(--brand)}
.hero-search{display:flex;gap:8px;background:var(--card);border:1px solid var(--line);border-radius:999px;padding:6px;box-shadow:var(--shadow);max-width:560px;margin:24px 0 18px}
.hero-search input{flex:1;border:0;background:transparent;font:inherit;color:var(--ink);padding:10px 14px;min-width:0}
.hero-search input:focus{outline:none}
.trust-row{display:flex;flex-wrap:wrap;gap:8px 18px;color:var(--muted);font-size:.92rem}
.trust-row span::before{content:"✓ ";color:var(--gain);font-weight:700}
.hero-card{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:24px;box-shadow:var(--shadow)}
.hero-card h3{font-family:var(--sans);font-size:1rem;font-weight:600;color:var(--muted);margin-bottom:12px}
.big-num{font-family:var(--display);font-size:2.6rem;font-weight:600;color:var(--brand);line-height:1}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}

/* Grids & cards */
.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){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);position:relative}
a.card{text-decoration:none;color:var(--ink);transition:transform .15s,border-color .15s;display:block}
a.card:hover{transform:translateY(-3px);border-color:var(--brand)}
.card .ico{font-size:1.6rem;width:48px;height:48px;border-radius:12px;background:var(--tint);display:grid;place-items:center;margin-bottom:14px}
.card h3{margin-bottom:6px}
.card p{color:var(--muted);margin:0;font-size:.95rem}
.card .more{display:inline-block;margin-top:12px;font-weight:600;color:var(--brand);font-size:.92rem}
.tag{display:inline-block;font-size:.75rem;font-weight:600;padding:4px 10px;border-radius:999px;background:var(--tint);color:var(--brand)}

/* Chooser */
.chooser{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width:760px){.chooser{grid-template-columns:1fr}}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;text-align:center}
.stats b{display:block;font-family:var(--display);font-size:2.2rem;color:var(--brand)}
.stats span{color:var(--muted);font-size:.92rem}
@media (max-width:760px){.stats{grid-template-columns:repeat(2,1fr)}}

/* Steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.steps li{list-style:none;counter-increment:s;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.steps li::before{content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;margin-bottom:12px}
.steps{padding:0;margin:0}
@media (max-width:760px){.steps{grid-template-columns:1fr}}

/* Calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}
@media (max-width:860px){.calc{grid-template-columns:1fr}}
.field{margin-bottom:16px}
.field label{display:flex;justify-content:space-between;font-weight:600;font-size:.94rem;margin-bottom:6px}
.field label output{color:var(--brand);font-variant-numeric:tabular-nums}
.field input[type=number],.field select,.field input[type=text],.field input[type=email],.field input[type=tel],.field textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:var(--radius-sm);background:var(--paper);color:var(--ink);font:inherit}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--brand);outline:none}
.field input[type=range]{width:100%;accent-color:var(--brand)}
.field .hint{font-size:.82rem;color:var(--muted);margin-top:4px}
.result{background:linear-gradient(160deg,var(--tint),var(--card));border:1px solid var(--line);border-radius:var(--radius);padding:24px;position:sticky;top:90px}
.result .big-num{margin:6px 0 14px}
.kv{display:flex;justify-content:space-between;padding:9px 0;border-bottom:1px dashed var(--line);font-size:.95rem}
.kv:last-child{border:0}.kv b{font-variant-numeric:tabular-nums}
.bar{display:flex;height:14px;border-radius:999px;overflow:hidden;margin:14px 0 6px;background:var(--line)}
.bar i{display:block;height:100%}
.legend{display:flex;gap:14px;flex-wrap:wrap;font-size:.82rem;color:var(--muted)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:middle}
.chart{width:100%;height:220px;margin-top:10px}
.table-wrap{overflow:auto;max-height:420px;border:1px solid var(--line);border-radius:var(--radius-sm);margin-top:16px}
table{width:100%;border-collapse:collapse;font-size:.9rem;font-variant-numeric:tabular-nums}
th,td{padding:8px 12px;text-align:right;border-bottom:1px solid var(--line)}
th:first-child,td:first-child{text-align:left}
thead th{position:sticky;top:0;background:var(--card)}
.currency-pick{display:flex;gap:8px;align-items:center;font-size:.9rem;color:var(--muted);margin-bottom:12px}
.currency-pick select{padding:6px 10px;border-radius:8px;border:1px solid var(--line);background:var(--card);color:var(--ink)}

/* Article */
.article{display:grid;grid-template-columns:1fr 300px;gap:48px;align-items:start}
@media (max-width:980px){.article{grid-template-columns:1fr}.toc{display:none}}
.prose{max-width:72ch}
.prose h2{margin-top:1.6em;font-size:1.65rem}
.prose h3{margin-top:1.3em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.4em}
.byline{display:flex;flex-wrap:wrap;gap:6px 16px;color:var(--muted);font-size:.9rem;margin-bottom:24px;border-bottom:1px solid var(--line);padding-bottom:16px}
.takeaways{background:var(--tint);border-left:4px solid var(--brand);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:18px 22px;margin:0 0 28px}
.takeaways h2{font-family:var(--sans);font-size:1rem;margin:0 0 8px;text-transform:uppercase;letter-spacing:.08em;color:var(--brand)}
.takeaways ul{margin:0}
.callout{border:1px solid var(--line);background:var(--card);border-radius:var(--radius-sm);padding:16px 20px;margin:20px 0}
.toc{position:sticky;top:90px}
.toc nav a{display:block;padding:6px 0;color:var(--muted);text-decoration:none;font-size:.92rem;border-left:2px solid var(--line);padding-left:12px}
.toc nav a:hover{color:var(--brand);border-color:var(--brand)}
.breadcrumb{font-size:.86rem;color:var(--muted);margin:24px 0 8px}
.breadcrumb a{color:var(--muted)}
.disclaimer-note{font-size:.84rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:28px}

/* Video facade */
.video{position:relative;aspect-ratio:16/9;border-radius:var(--radius);overflow:hidden;background:#000;cursor:pointer;border:0;padding:0;width:100%;display:block}
.video img{width:100%;height:100%;object-fit:cover;opacity:.85;transition:opacity .2s}
.video:hover img{opacity:1}
.video .play{position:absolute;inset:0;margin:auto;width:72px;height:50px;border-radius:14px;background:rgba(200,0,0,.9);display:grid;place-items:center}
.video .play::after{content:"";border-left:18px solid #fff;border-top:11px solid transparent;border-bottom:11px solid transparent;margin-left:4px}
.video iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.video-meta{font-size:.88rem;color:var(--muted);margin-top:8px}

/* FAQ */
details{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);padding:16px 20px;margin-bottom:10px}
summary{cursor:pointer;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::after{content:"+";font-size:1.3rem;color:var(--brand);line-height:1}
details[open] summary::after{content:"–"}
details p{margin:12px 0 0;color:var(--muted)}

/* Lead gen wizard */
.lead{background:var(--card);border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);padding:28px;max-width:720px;margin:0 auto}
.progress{height:8px;background:var(--line);border-radius:999px;overflow:hidden;margin-bottom:8px}
.progress i{display:block;height:100%;width:0;background:var(--brand);transition:width .3s}
.step-label{font-size:.84rem;color:var(--muted);margin-bottom:18px}
.step{display:none}.step.active{display:block;animation:fade .25s}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.options{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media (max-width:560px){.options{grid-template-columns:1fr}}
.opt{display:flex;align-items:center;gap:12px;border:1.5px solid var(--line);border-radius:var(--radius-sm);padding:14px 16px;cursor:pointer;background:var(--paper);font-weight:600;text-align:left;color:var(--ink);font-size:1rem;width:100%}
.opt:hover,.opt.sel{border-color:var(--brand);background:var(--tint)}
.opt span{font-size:1.4rem}
.lead-nav{display:flex;justify-content:space-between;align-items:center;margin-top:20px;gap:12px}
.reassure{display:flex;flex-wrap:wrap;justify-content:center;gap:6px 18px;font-size:.84rem;color:var(--muted);margin-top:18px}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:var(--muted);margin:10px 0}
.consent input{margin-top:4px;accent-color:var(--brand)}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.form-msg{margin-top:14px;padding:12px 16px;border-radius:var(--radius-sm);display:none}
.form-msg.ok{display:block;background:var(--tint);color:var(--brand)}
.form-msg.err{display:block;background:#fde8e6;color:var(--warn)}

/* Donate tiers */
.tiers{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media (max-width:980px){.tiers{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.tiers{grid-template-columns:1fr}}
.tier{text-align:center;cursor:pointer;border:2px solid var(--line)}
.tier.sel{border-color:var(--brand)}
.tier .amt{font-family:var(--display);font-size:2rem;color:var(--brand)}
.amount-row{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0}
.amount-row button{border:1.5px solid var(--line);background:var(--paper);color:var(--ink);border-radius:999px;padding:10px 18px;font-weight:600;cursor:pointer}
.amount-row button.sel{border-color:var(--brand);background:var(--tint);color:var(--brand)}
.alloc{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;text-align:center;font-size:.86rem}
@media (max-width:760px){.alloc{grid-template-columns:repeat(2,1fr)}}
.alloc div{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);padding:14px}
.alloc b{display:block;font-size:1.4rem;color:var(--brand)}

/* Newsletter band */
.band{background:var(--ink);color:#fff;border-radius:24px;padding:40px;display:grid;grid-template-columns:1.2fr 1fr;gap:24px;align-items:center}
.band h2{color:#fff}.band p{color:#c3d1de}
.band form{display:flex;gap:8px;flex-wrap:wrap}
.band input{flex:1;min-width:200px;padding:14px 18px;border-radius:999px;border:0;font:inherit}
:root[data-theme="dark"] .band{background:#05101b;border:1px solid var(--line)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .band{background:#05101b;border:1px solid var(--line)}}
@media (max-width:860px){.band{grid-template-columns:1fr;padding:28px}}

/* Glossary */
.az{display:flex;flex-wrap:wrap;gap:6px;margin:16px 0 24px}
.az a{display:grid;place-items:center;width:36px;height:36px;border-radius:8px;border:1px solid var(--line);text-decoration:none;font-weight:600;background:var(--card)}
dl.gloss dt{font-weight:700;margin-top:18px;font-family:var(--display);font-size:1.15rem}
dl.gloss dd{margin:4px 0 0;color:var(--muted)}

/* Footer */
.site-foot{background:var(--card);border-top:1px solid var(--line);padding:56px 0 28px;margin-top:40px;font-size:.92rem}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:28px}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
.site-foot h4{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin:0 0 12px}
.site-foot ul{list-style:none;margin:0;padding:0}
.site-foot li{margin-bottom:8px}
.site-foot a{color:var(--ink);text-decoration:none}
.site-foot a:hover{color:var(--brand)}
.fine{border-top:1px solid var(--line);margin-top:36px;padding-top:20px;color:var(--muted);font-size:.82rem}

/* Cookie banner */
.cookie{position:fixed;left:16px;right:16px;bottom:16px;max-width:560px;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:18px 20px;z-index:80;display:none;font-size:.9rem}
.cookie.show{display:block}
.cookie .row{display:flex;gap:8px;margin-top:12px;flex-wrap:wrap}

/* Search results dropdown */
.search-wrap{position:relative;max-width:560px}
.search-results{position:absolute;left:0;right:0;top:calc(100% - 10px);background:var(--card);border:1px solid var(--line);border-radius:var(--radius-sm);box-shadow:var(--shadow);z-index:30;display:none;max-height:340px;overflow:auto}
.search-results.show{display:block}
.search-results a{display:block;padding:10px 16px;text-decoration:none;color:var(--ink);border-bottom:1px solid var(--line)}
.search-results a:hover{background:var(--tint)}
.search-results small{color:var(--muted);display:block}

/* Quiz */
.q{margin-bottom:22px}
.q p{font-weight:600;margin-bottom:8px}
.score-ring{font-family:var(--display);font-size:3rem;color:var(--brand)}

.sticky-cta{position:fixed;bottom:0;left:0;right:0;background:var(--ink);color:#fff;padding:10px 16px;display:none;align-items:center;justify-content:center;gap:14px;z-index:60;font-size:.92rem}
.sticky-cta.show{display:flex}
@media (min-width:981px){.sticky-cta{display:none!important}}
.notice{font-size:.84rem;color:var(--muted)}
.pill-list{display:flex;flex-wrap:wrap;gap:8px}
.pill-list a{padding:8px 14px;border-radius:999px;border:1px solid var(--line);background:var(--card);text-decoration:none;color:var(--ink);font-size:.9rem}
.pill-list a:hover{border-color:var(--brand);color:var(--brand)}
@media print{.topbar,.site-head,.site-foot,.cookie,.sticky-cta,.video{display:none}}
.foot-grid>*{min-width:0}
@media (max-width:900px){.foot-grid>div:first-child{grid-column:1/-1}}
html,body{overflow-x:hidden}
.hero-search input{width:100%}