/* PlanAhead Money — design system
   Palette: deep navy, emerald, warm paper, gold accent */
:root{
  --navy:#10283f; --navy-2:#1b3a58; --ink:#22303c;
  --green:#0e9f6e; --green-dark:#0b7f58; --green-soft:#e6f5ef;
  --gold:#e8b64c; --paper:#faf9f6; --white:#ffffff;
  --gray:#5b6b7a; --line:#e5e3dc;
  --radius:14px; --shadow:0 10px 30px rgba(16,40,63,.08);
  --font-head:"Fraunces",Georgia,serif;
  --font-body:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--ink);background:var(--paper);line-height:1.65;font-size:17px}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--green-dark);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--navy);line-height:1.15;font-weight:600}
h1{font-size:clamp(2.1rem,5vw,3.4rem);letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,3.5vw,2.3rem);margin-bottom:.6em}
h3{font-size:1.25rem;margin-bottom:.4em}
p{margin-bottom:1em}
.wrap{max-width:1120px;margin:0 auto;padding:0 24px}
.wrap-narrow{max-width:760px;margin:0 auto;padding:0 24px}

/* Header */
header.site{position:sticky;top:0;z-index:50;background:rgba(250,249,246,.92);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{display:flex;align-items:center;gap:10px;font-family:var(--font-head);font-size:1.3rem;font-weight:700;color:var(--navy)}
.logo:hover{text-decoration:none}
.logo .mark{width:34px;height:34px}
.nav ul{display:flex;gap:26px;list-style:none;align-items:center}
.nav ul a{color:var(--ink);font-weight:500;font-size:.95rem}
.nav ul a:hover{color:var(--green-dark);text-decoration:none}
.btn{display:inline-block;background:var(--green);color:#fff!important;padding:12px 26px;border-radius:999px;font-weight:600;font-size:.95rem;border:none;cursor:pointer;transition:background .15s, transform .15s}
.btn:hover{background:var(--green-dark);text-decoration:none;transform:translateY(-1px)}
.btn-lg{padding:15px 34px;font-size:1.05rem}
.btn-outline{background:transparent;color:var(--navy)!important;border:2px solid var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff!important}
.btn-gold{background:var(--gold);color:var(--navy)!important}
.btn-gold:hover{background:#d9a63b}
.nav-toggle{display:none;background:none;border:none;font-size:1.6rem;color:var(--navy);cursor:pointer}

/* Hero */
.hero{padding:84px 0 70px;background:linear-gradient(180deg,#fff 0%,var(--paper) 100%)}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.eyebrow{display:inline-block;background:var(--green-soft);color:var(--green-dark);font-weight:600;font-size:.85rem;padding:6px 14px;border-radius:999px;margin-bottom:18px;letter-spacing:.02em}
.hero p.lead{font-size:1.2rem;color:var(--gray);margin:20px 0 30px;max-width:34em}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}
.trust{margin-top:28px;font-size:.88rem;color:var(--gray)}

/* Sections */
section{padding:72px 0}
.section-alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-navy{background:var(--navy);color:#e8eef4}
.section-navy h2,.section-navy h3{color:#fff}
.section-navy p{color:#c3d2df}
.kicker{color:var(--green-dark);font-weight:600;text-transform:uppercase;font-size:.8rem;letter-spacing:.1em;margin-bottom:10px}
.section-navy .kicker{color:var(--gold)}
.center{text-align:center}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:40px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;box-shadow:var(--shadow)}
.section-navy .card{background:var(--navy-2);border-color:#2c4d6e}
.card .icon{width:52px;height:52px;margin-bottom:18px}
.stat{font-family:var(--font-head);font-size:2.6rem;font-weight:700;color:var(--green)}
.section-navy .stat{color:var(--gold)}
.stat-label{font-size:.92rem;color:var(--gray)}
.section-navy .stat-label{color:#c3d2df}

/* Product cards */
.product-card{display:grid;grid-template-columns:.8fr 1.2fr;gap:36px;align-items:center;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:40px;box-shadow:var(--shadow);margin-top:32px}
.price{font-family:var(--font-head);font-size:2rem;color:var(--navy);font-weight:700}
.price small{font-size:1rem;color:var(--gray);font-weight:400}
ul.checks{list-style:none;margin:18px 0 26px}
ul.checks li{padding-left:32px;position:relative;margin-bottom:10px}
ul.checks li::before{content:"";position:absolute;left:0;top:5px;width:20px;height:20px;border-radius:50%;background:var(--green-soft) url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 20 20"><path d="M5 10.5l3.2 3.2L15 7" fill="none" stroke="%230b7f58" stroke-width="2.4" stroke-linecap="round" stroke-linejoin="round"/></svg>') center/14px no-repeat}

/* Blog */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:40px}
.post-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:transform .18s}
.post-card:hover{transform:translateY(-4px)}
.post-card a{color:inherit;text-decoration:none;display:block}
.post-card .thumb{height:170px}
.post-card .thumb svg{width:100%;height:100%}
.post-card .body{padding:22px 24px 26px}
.post-card h3{font-size:1.15rem}
.post-card .meta{font-size:.82rem;color:var(--gray);margin-bottom:8px;text-transform:uppercase;letter-spacing:.06em}
.post-card p{color:var(--gray);font-size:.95rem;margin:0}

/* Article */
.article-hero{padding:64px 0 20px}
.article-hero .meta{color:var(--gray);font-size:.9rem;margin-top:14px}
article.post{padding:30px 0 60px}
article.post h2{margin-top:1.8em}
article.post h3{margin-top:1.4em;font-size:1.35rem}
article.post ul,article.post ol{margin:0 0 1.2em 1.4em}
article.post li{margin-bottom:.5em}
article.post blockquote{border-left:4px solid var(--gold);padding:14px 22px;background:var(--white);border-radius:0 var(--radius) var(--radius) 0;margin:1.4em 0;font-style:italic;color:var(--navy)}
.callout{background:var(--green-soft);border:1px solid #cfe9de;border-radius:var(--radius);padding:24px 28px;margin:1.6em 0}
.callout h3{margin-top:0}
.figure{margin:1.8em 0}
.figure svg{width:100%;border-radius:var(--radius)}
.figcaption{font-size:.85rem;color:var(--gray);margin-top:8px;text-align:center}
table{width:100%;border-collapse:collapse;margin:1.4em 0;background:var(--white);border-radius:var(--radius);overflow:hidden;font-size:.95rem}
th{background:var(--navy);color:#fff;text-align:left;padding:12px 16px;font-weight:600}
td{padding:11px 16px;border-bottom:1px solid var(--line)}
tr:last-child td{border-bottom:none}

/* Calculator */
.calc{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:36px;box-shadow:var(--shadow);margin-top:30px}
.calc label{display:block;font-weight:600;font-size:.92rem;margin:16px 0 6px;color:var(--navy)}
.calc input,.calc select{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;font-size:1rem;font-family:var(--font-body);background:var(--paper)}
.calc input:focus{outline:2px solid var(--green);border-color:var(--green)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 24px}
.result{background:var(--navy);color:#fff;border-radius:var(--radius);padding:28px;margin-top:26px;display:none}
.result.show{display:block}
.result .big{font-family:var(--font-head);font-size:2.2rem;color:var(--gold);font-weight:700}
.result p{color:#c3d2df;margin-bottom:.4em}
.result strong{color:#fff}

/* Forms */
form.nice label{display:block;font-weight:600;font-size:.92rem;margin:18px 0 6px;color:var(--navy)}
form.nice input,form.nice textarea,form.nice select{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:10px;font-size:1rem;font-family:var(--font-body);background:var(--white)}
form.nice input:focus,form.nice textarea:focus{outline:2px solid var(--green);border-color:var(--green)}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 100%);border-radius:var(--radius);padding:56px 48px;text-align:center;color:#fff;margin:0}
.cta-band h2{color:#fff}
.cta-band p{color:#c3d2df;max-width:38em;margin:0 auto 26px}

/* Newsletter */
.newsletter{display:flex;gap:12px;max-width:460px;margin:0 auto}
.newsletter input{flex:1;padding:13px 16px;border-radius:999px;border:none;font-size:.95rem}

/* Footer */
footer.site{background:var(--navy);color:#a9bccd;padding:56px 0 32px;margin-top:80px}
footer.site h4{color:#fff;font-size:1rem;margin-bottom:14px;font-family:var(--font-body);font-weight:700}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px}
footer.site ul{list-style:none}
footer.site li{margin-bottom:9px}
footer.site a{color:#a9bccd;font-size:.93rem}
footer.site a:hover{color:#fff}
.foot-bottom{border-top:1px solid #2c4d6e;margin-top:40px;padding-top:24px;font-size:.83rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}

/* Breadcrumbs */
.crumbs{font-size:.85rem;color:var(--gray);padding-top:20px}
.crumbs a{color:var(--gray)}

/* Responsive */
@media(max-width:900px){
  .hero-grid,.grid-2,.product-card{grid-template-columns:1fr}
  .grid-3,.post-grid{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .hero{padding:56px 0 48px}
}
@media(max-width:640px){
  .grid-3,.post-grid,.calc-grid,.foot-grid{grid-template-columns:1fr}
  .nav ul{display:none;position:absolute;top:68px;left:0;right:0;background:var(--white);flex-direction:column;padding:20px;border-bottom:1px solid var(--line);gap:16px}
  .nav ul.open{display:flex}
  .nav-toggle{display:block}
  .cta-band{padding:40px 24px}
  body{font-size:16px}
}

/* Comparison table (FA vs Emergency Fund) + screenshot placeholders */
.compare{margin:1.4em 0}
.compare th{background:var(--navy);color:#fff;text-align:left;padding:14px 18px;font-family:var(--font-head);font-size:1.05rem}
.compare td{padding:12px 18px;border-bottom:1px solid var(--line);vertical-align:top}
.compare td:first-child{border-right:1px solid var(--line)}
.compare tr:last-child td{border-bottom:none}
.compare .note{font-size:.9rem;color:var(--gray)}
.shots{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:28px}
.shot{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.shot .ph{aspect-ratio:16/10;background:repeating-linear-gradient(135deg,#eef1ee 0 12px,#f6f7f5 12px 24px);display:flex;align-items:center;justify-content:center;color:var(--gray);font-size:.85rem;text-align:center;padding:16px}
.shot img{width:100%;display:block}
.shot .cap{padding:16px 18px}
.shot .cap h3{font-size:1.05rem;margin-bottom:4px}
.shot .cap p{font-size:.92rem;color:var(--gray);margin:0}
@media(max-width:900px){.shots{grid-template-columns:1fr}}

/* Pending purchase state + bundle badge (Oct 2026) */
.btn-pending{background:var(--gray)!important;color:#fff!important;cursor:default;opacity:.85;pointer-events:none}
.btn-pending:hover{transform:none}
.badge{display:inline-block;background:var(--gold);color:var(--navy);font-weight:700;font-size:.8rem;padding:4px 12px;border-radius:999px;letter-spacing:.03em;margin-bottom:10px}

/* 8 Building Blocks section */
.blocks-wrap{max-width:720px;margin:28px auto 0}
.blocks-svg{width:100%;height:auto;display:block}
.block-list{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:0}
.block-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:18px 18px 16px;display:flex;gap:12px;align-items:flex-start}
.block-card .num{flex:none;width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;font-size:.85rem;display:flex;align-items:center;justify-content:center}
.block-card h3{font-size:1.02rem;margin-bottom:4px}
.block-card p{font-size:.9rem;color:var(--gray);margin-bottom:8px}
.block-card a{font-weight:600;font-size:.9rem}
.block-card .soon{font-size:.82rem;color:var(--gray);font-style:italic}
@media(max-width:900px){.block-list{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.blocks-wrap{display:none}.block-list{grid-template-columns:1fr}}

/* Screenshot cards + lightbox (Oct 2026) */
.shot a.zoom{display:block;position:relative;background:#f3f4f2}
.shot a.zoom img{width:100%;height:auto;display:block;border-bottom:1px solid var(--line)}
.shot a.zoom::after{content:"Click to enlarge";position:absolute;right:10px;bottom:10px;background:rgba(16,40,63,.82);color:#fff;font-size:.72rem;font-weight:600;padding:4px 10px;border-radius:999px;opacity:0;transition:opacity .15s}
.shot a.zoom:hover::after{opacity:1}
.shot a.zoom:hover img{opacity:.95}
.product-card a.zoom img{border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow)}
.lightbox{position:fixed;inset:0;background:rgba(16,40,63,.92);z-index:200;display:none;overflow:auto;padding:28px 20px 40px;cursor:zoom-out}
.lightbox.open{display:block}
.lightbox figure{max-width:1500px;margin:0 auto}
.lightbox img{width:100%;height:auto;display:block;border-radius:8px;background:#fff}
.lightbox figcaption{color:#e8eef4;text-align:center;margin-top:14px;font-size:1rem}
.lightbox .lb-hint{color:#8fa3b5;text-align:center;font-size:.8rem;margin-top:8px}
.lb-close{position:fixed;top:14px;right:18px;width:44px;height:44px;border-radius:50%;border:none;background:#fff;color:var(--navy);font-size:1.7rem;line-height:1;cursor:pointer;z-index:201}
.guides{display:flex;gap:12px;flex-wrap:wrap;margin-top:12px}
.guides a{display:inline-flex;align-items:center;gap:8px;border:2px solid var(--navy);border-radius:999px;padding:9px 18px;font-weight:600;color:var(--navy);font-size:.92rem}
.guides a:hover{background:var(--navy);color:#fff;text-decoration:none}
@media(max-width:640px){.lightbox{padding:60px 8px 30px}}
.lightbox{background:rgba(16,40,63,.96)}
.lightbox figure{overflow-x:auto;-webkit-overflow-scrolling:touch}
@media(max-width:640px){.lightbox img{width:auto;max-width:none;min-width:900px}.lightbox figcaption{font-size:.9rem}.lb-hint::after{content:" · Swipe sideways to read"}}
.app-icon{width:56px;height:56px;border-radius:12px;box-shadow:0 4px 12px rgba(16,40,63,.18);flex:none}
.title-row{display:flex;align-items:center;gap:14px;margin-bottom:.3em}
.title-row h2,.title-row h3{margin-bottom:0}
.hero .app-icon{width:64px;height:64px;margin-bottom:16px}