/* FUNDIVIO: clean, minimal. White space, one typeface, one accent. */
:root {
  --bg: #fbfbfa;
  --surface: #f2f3f4;
  --ink: #14181d;
  --muted: #5d646d;
  --rule: #e2e4e7;
  --line: #868c95;          /* input borders */
  --accent: #0a6aa8;        /* teal blue */
  --on-accent: #ffffff;
  --focus: #0a6aa8;
  --band: #0a6aa8;          /* the calculator band stays teal blue in both modes */
  --radius: 8px;
  --font: "Geist", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}
@media (prefers-color-scheme: dark) {
  :root {
    --bg: #0e1115;
    --surface: #171b21;
    --ink: #eceff2;
    --muted: #9ba3ad;
    --rule: #272c33;
    --line: #6b737d;
    --accent: #7cc4ea;
    --on-accent: #0e1115;
    --focus: #7cc4ea;
  }
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--font);
  font-size: 1.0625rem;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  font-variant-numeric: tabular-nums;
}
a { color: inherit; text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 3px; }
[hidden] { display: none !important; }
.wrap { width: min(100% - 2.5rem, 60rem); margin-inline: auto; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ---------- Header: black bar ---------- */
.topbar { background: #000; color: #fff; }
@media (prefers-color-scheme: dark) { .topbar { border-bottom: 1px solid var(--rule); } }
.top { display: flex; align-items: center; justify-content: space-between; gap: 0.5rem 2rem; flex-wrap: wrap; padding-block: 1.05rem; }
.mark { font-weight: 650; font-size: 1rem; letter-spacing: 0.16em; text-decoration: none; color: #fff; }
.tm { font-size: 0.6em; font-weight: 500; vertical-align: super; margin-left: 0.15em; letter-spacing: 0; }
.nav { display: flex; gap: 0.2rem 1.75rem; flex-wrap: wrap; font-size: 0.95rem; }
.nav a { text-decoration: none; color: #c9cdd2; padding-block: 0.15rem; }
.nav a:hover { color: #fff; }
.nav a[aria-current="page"] { color: #fff; text-decoration: underline; text-decoration-color: #fff; text-decoration-thickness: 2px; text-underline-offset: 6px; }

/* ---------- Hero ---------- */
.hero { padding-block: clamp(2.5rem, 7vw, 5rem) clamp(2rem, 4vw, 3rem); }
.hero h1 {
  font-weight: 500;
  font-size: clamp(2.6rem, 7.2vw, 5.1rem);
  line-height: 1.02;
  letter-spacing: -0.04em;
  margin: 0 0 1.5rem;
  max-width: 16ch;
}
.lede { font-size: 1.2rem; max-width: 36rem; margin: 0; color: var(--muted); }

/* Full-width blue calculator band */
.calcband { background: var(--band); color: #fff; padding-block: 2rem 1.6rem; }
.calc { display: grid; gap: 1rem; align-items: end; }
@media (min-width: 720px) { .calc { grid-template-columns: 11rem 17rem max-content; justify-content: start; } }
.calc label { display: block; font-weight: 550; font-size: 0.95rem; margin-bottom: 0.4rem; }
.calcband .calc input {
  width: 100%;
  font: inherit;
  font-size: 1.25rem;
  padding: 0.75rem 0.95rem;
  color: #14181d;
  background: #fff;
  border: 0;
  border-radius: var(--radius);
}
.calcband .calc input::placeholder { color: #666d76; opacity: 1; }
#ticker { text-transform: uppercase; }
.calcband .calc input:focus-visible, .calcband .go:focus-visible { outline: 3px solid #fff; outline-offset: 3px; }
.calcband .go { background: #fff; color: var(--band); font-weight: 650; font-size: 1.05rem; padding: 0.82rem 2.2rem; }
.calcband .go:hover { background: #14181d; color: #fff; }
.calcband .fineprint { color: rgba(255,255,255,0.9); margin: 1.1rem 0 0; }
.calcband .status { color: #fff; margin: 0.6rem 0 0; min-height: 1.6rem; }
.calcband .status.error { border-left-color: #fff; background: rgba(0,0,0,0.25); }

.go {
  font: inherit;
  font-weight: 550;
  padding: 0.8rem 1.9rem;
  color: var(--bg);
  background: var(--ink);
  border: 0;
  border-radius: var(--radius);
  cursor: pointer;
}
.go:hover { background: var(--accent); color: var(--on-accent); }
.go:disabled { opacity: 0.55; cursor: progress; }
.fineprint { margin: 1.1rem 0 0; color: var(--muted); font-size: 0.95rem; max-width: 40rem; }
.status { min-height: 1.6rem; margin: 0.9rem 0 0; font-weight: 500; }
.status.error { border-left: 3px solid var(--ink); padding: 0.45rem 0 0.45rem 0.9rem; background: var(--surface); border-radius: 0 var(--radius) var(--radius) 0; }

/* ---------- Result ---------- */
.result { padding-block: 2.5rem 3.5rem; border-top: 1px solid var(--rule); }
.result h2 { font-size: 1.5rem; font-weight: 600; letter-spacing: -0.02em; line-height: 1.2; margin: 0 0 0.25rem; }
.basis { margin: 0; color: var(--muted); }
.verdict { font-size: clamp(1.6rem, 3.8vw, 2.4rem); font-weight: 500; line-height: 1.18; letter-spacing: -0.03em; margin: 1.75rem 0 2.25rem; max-width: 36rem; }

.bars { display: grid; gap: 1.4rem; max-width: 44rem; margin-bottom: 2.5rem; }
.barhead { display: flex; justify-content: space-between; gap: 1rem; align-items: baseline; margin-bottom: 0.5rem; }
.barhead span:first-child { color: var(--muted); }
.barhead .amt { font-weight: 600; }
.track { position: relative; height: 0.7rem; border-radius: 999px; background: var(--rule); overflow: hidden; }
.fill { position: absolute; inset: 0 auto 0 0; width: 0; border-radius: 999px; transition: width 800ms cubic-bezier(.2,.7,.2,1); }
.fill.value { background: var(--accent); }
.fill.market { background: var(--ink); }
.shortfall {
  position: absolute; top: 0; bottom: 0; left: 0; width: 0;
  transition: left 800ms cubic-bezier(.2,.7,.2,1), width 800ms cubic-bezier(.2,.7,.2,1);
  background: repeating-linear-gradient(135deg, transparent 0 5px, color-mix(in srgb, var(--bar) 55%, transparent) 5px 7px);
}
.shortfall.value { --bar: var(--accent); }
.shortfall.market { --bar: var(--ink); }
.barnote { margin: 0.45rem 0 0; color: var(--muted); font-size: 0.92rem; }
@media (prefers-reduced-motion: reduce) { .fill, .shortfall { transition: none; } }

.cautions { max-width: 44rem; margin: 0 0 2.5rem; padding: 1.1rem 1.4rem; background: var(--surface); border-radius: var(--radius); }
.cautions h3 { margin: 0 0 0.45rem; font-size: 1rem; font-weight: 600; }
.cautions ul { margin: 0; padding-left: 1.15rem; }
.cautions li { margin-bottom: 0.4rem; }
.cautions li:last-child { margin-bottom: 0; }

.block-title { font-size: 1.15rem; font-weight: 600; letter-spacing: -0.015em; margin: 2.75rem 0 0.6rem; }
.steps { list-style: decimal; margin: 0; padding-left: 1.5rem; max-width: 44rem; }
.steps li { padding: 0.85rem 0 0.85rem 0.4rem; border-top: 1px solid var(--rule); }
.steps li::marker { color: var(--muted); }
.steps .row { display: flex; justify-content: space-between; align-items: baseline; gap: 0.4rem 1.5rem; flex-wrap: wrap; }
.steps .name { font-weight: 550; }
.steps .how { display: block; color: var(--muted); font-size: 0.95rem; }
.steps .amt { font-weight: 600; white-space: nowrap; }

table.inputs { border-collapse: collapse; width: 100%; max-width: 44rem; }
.inputs th, .inputs td { text-align: left; padding: 0.6rem 0.5rem 0.6rem 0; border-top: 1px solid var(--rule); vertical-align: baseline; }
.inputs th { font-weight: 450; }
.inputs td:last-child { text-align: right; font-weight: 600; white-space: nowrap; padding-right: 0; }
.inputs td.when { color: var(--muted); font-size: 0.95rem; }
.sourcelinks { margin: 1rem 0 0; font-size: 0.95rem; color: var(--muted); max-width: 44rem; }

details.override { margin-top: 1.4rem; max-width: 44rem; }
details.override summary { cursor: pointer; }
.override .field { display: grid; gap: 0.75rem; margin-top: 0.9rem; max-width: 22rem; }

.actions { margin-top: 2.25rem; display: flex; gap: 1rem; flex-wrap: wrap; }
.ghost { font: inherit; font-weight: 550; padding: 0.7rem 1.3rem; cursor: pointer; color: var(--ink); background: transparent; border: 1px solid var(--line); border-radius: var(--radius); }
.ghost:hover { border-color: var(--ink); }
.linkbtn { display: inline-block; text-decoration: none; font-weight: 550; padding: 0.75rem 1.5rem; color: var(--bg); background: var(--ink); border-radius: var(--radius); }
.linkbtn:hover { background: var(--accent); color: var(--on-accent); }

/* Call-out after a result */
.upsell { margin-top: 3.5rem; padding-top: 2rem; border-top: 1px solid var(--rule); max-width: 36rem; }
.upsell h3 { font-size: 1.5rem; font-weight: 500; letter-spacing: -0.025em; line-height: 1.2; margin: 0 0 0.6rem; }
.upsell p { margin: 0 0 1.4rem; color: var(--muted); }

/* ---------- Content bands ---------- */
.band { display: grid; gap: 1rem; padding-block: clamp(2.5rem, 6vw, 4rem); border-top: 1px solid var(--rule); }
@media (min-width: 860px) { .band { grid-template-columns: 12rem minmax(0, 1fr); gap: 3.5rem; } }
.band h2 { font-size: 1.15rem; font-weight: 600; letter-spacing: -0.015em; line-height: 1.3; margin: 0; }
.band-body { max-width: 38rem; }
.band-body p { margin: 0 0 1rem; }
.band-body ol, .band-body ul { margin: 0 0 1rem; padding-left: 1.2rem; }
.band-body li { margin-bottom: 0.75rem; }
.band-body li::marker { color: var(--muted); }
.band-body.wide { max-width: 46rem; }

/* ---------- Free vs full comparison ---------- */
.compare { width: 100%; border-collapse: collapse; }
.compare th, .compare td { text-align: left; padding: 0.8rem 1rem 0.8rem 0; border-top: 1px solid var(--rule); vertical-align: top; }
.compare thead th { border-top: 0; font-weight: 600; padding-bottom: 0.7rem; }
.compare tbody th { font-weight: 450; width: 46%; }
.compare .yes { font-weight: 550; }
.compare .no { color: var(--muted); }
.compare .full { background: var(--surface); padding-left: 1rem; }
.compare thead .full { border-radius: var(--radius) var(--radius) 0 0; }
@media (max-width: 640px) {
  .compare thead { display: none; }
  .compare, .compare tbody, .compare tr, .compare th, .compare td { display: block; width: 100%; }
  .compare tr { border-top: 1px solid var(--rule); padding: 0.8rem 0; }
  .compare th, .compare td { border: 0; padding: 0.1rem 0; }
  .compare tbody th { width: 100%; font-weight: 550; }
  .compare td::before { content: attr(data-col) ": "; color: var(--muted); font-weight: 400; }
  .compare .full { background: none; padding-left: 0; }
}

.process { margin: 0; padding-left: 1.3rem; }
.process li { margin-bottom: 0.9rem; padding-left: 0.3rem; }
.process li::marker { font-weight: 600; color: var(--accent); }

/* ---------- Forms ---------- */
.field label { display: block; font-weight: 550; font-size: 0.95rem; margin-bottom: 0.4rem; }
.field input, .field textarea {
  width: 100%;
  font: inherit;
  padding: 0.7rem 0.85rem;
  color: var(--ink);
  background: transparent;
  border: 1px solid var(--line);
  border-radius: var(--radius);
}
.field textarea { min-height: 7rem; resize: vertical; line-height: 1.5; }
.field input::placeholder, .field textarea::placeholder { color: var(--muted); opacity: 0.8; }
.field input:focus, .field textarea:focus { border-color: var(--accent); }
.request { display: grid; gap: 1.2rem; max-width: 32rem; }
.request .hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.checkrow { display: grid; grid-template-columns: auto 1fr; gap: 0.75rem; align-items: start; }
.checkrow input { width: 1.2rem; height: 1.2rem; margin-top: 0.28rem; accent-color: var(--accent); }
.formerror { margin: 0; padding: 0.6rem 0.9rem; border-left: 3px solid var(--ink); background: var(--surface); border-radius: 0 var(--radius) var(--radius) 0; font-weight: 500; }
.notice { max-width: 38rem; padding: 1.1rem 1.4rem; background: var(--surface); border-radius: var(--radius); }
.notice p { margin: 0 0 0.5rem; }
.notice p:last-child { margin-bottom: 0; }
.sent { max-width: 34rem; padding: 1.3rem 1.5rem; background: var(--surface); border-radius: var(--radius); }
.sent h3 { margin: 0 0 0.4rem; font-size: 1.3rem; font-weight: 550; letter-spacing: -0.02em; }
.sent p { margin: 0 0 0.5rem; }

/* ---------- Document pages (terms) ---------- */
.doc { padding-block: 0 4rem; max-width: 42rem; }
.doc h2 { font-size: 1.2rem; font-weight: 600; letter-spacing: -0.015em; margin: 2.5rem 0 0.5rem; }
.doc h3 { font-size: 1.02rem; font-weight: 600; margin: 1.5rem 0 0.3rem; }
.doc p, .doc li { max-width: 40rem; }
.doc ul { padding-left: 1.2rem; }
.doc li { margin-bottom: 0.5rem; }
.doc .updated { color: var(--muted); }

footer { border-top: 1px solid var(--rule); padding-block: 2rem 3.5rem; color: var(--muted); font-size: 0.95rem; }
footer p { margin: 0 0 0.6rem; max-width: 44rem; }
footer .links { display: flex; gap: 1.5rem; flex-wrap: wrap; margin-bottom: 1rem; }