/* ============================================================
   PforProperty — design system
   SOP: 3 text layers (ink/body/soft), 3 bg depths (bg/card/field),
   AA contrast, 2 fonts + 1 mono, visible focus, 44px targets.
   ============================================================ */
:root{
  /* backgrounds: page -> card -> field (three distinct depths) */
  --bg:#f7f3f6;
  --card:#ffffff;
  --field:#f1ebef;
  --border:#e6dce4;
  --border-strong:#d0bccd;

  /* text: three layers only */
  --ink:#2a1530;     /* headings / primary */
  --body:#4a3d49;    /* body copy (AA on light) */
  --soft:#6b5c6b;    /* captions / soft (>=4.5:1 on white) */

  /* brand */
  --navy:#2a1230;
  --navy-soft:#3a1c42;
  --gold:#cda24a;
  --gold-deep:#8a6a14;   /* button/text gold that meets AA on light */
  --emerald:#1a7f55;
  --emerald-bg:#e6f4ed;
  --danger:#c23b3b;
  --danger-bg:#fbecec;
  --amber:#9a6b00;
  --amber-bg:#fbf2dc;
  --info:#1f5d8f;
  --info-bg:#e9f1f9;

  --radius:14px; --radius-sm:9px; --radius-lg:22px;
  --maxw:1140px;
  --shadow-sm:0 1px 2px rgba(15,27,45,.05), 0 2px 8px rgba(15,27,45,.05);
  --shadow:0 2px 6px rgba(15,27,45,.06), 0 18px 40px rgba(15,27,45,.10);
  --ring:0 0 0 3px rgba(205,162,74,.5);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  background:var(--bg);color:var(--body);
  font-family:'Mulish',system-ui,-apple-system,sans-serif;
  font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Spectral',system-ui,sans-serif;color:var(--ink);line-height:1.12;letter-spacing:-.01em;font-weight:600}
strong{color:var(--ink);font-weight:700}
a{color:var(--gold-deep);text-decoration-thickness:1px;text-underline-offset:2px}
a:hover{color:var(--navy)}
.mono{font-family:'JetBrains Mono',ui-monospace,monospace}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.muted{color:var(--soft)}
img,svg{max-width:100%}
section{scroll-margin-top:84px}

/* skip link */
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;border-radius:0 0 8px 0;z-index:200}
.skip:focus{left:0}

/* focus visibility */
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,
summary:focus-visible,[tabindex]:focus-visible{outline:none;box-shadow:var(--ring);border-radius:8px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;
  min-height:48px;padding:13px 22px;border-radius:11px;border:1px solid transparent;
  font:inherit;font-weight:700;cursor:pointer;text-decoration:none;transition:transform .06s,box-shadow .15s,background .15s;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-gold{background:var(--gold);color:#2a1230;box-shadow:0 2px 0 var(--gold-deep)}
.btn-gold:hover{background:#d8b25e;color:#2a1230}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-soft);color:#fff}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--border-strong)}
.btn-ghost:hover{background:var(--field);color:var(--ink)}
.btn-block{width:100%}
.btn-sm{min-height:40px;padding:8px 14px;font-size:14px}

/* ---------- header / nav ---------- */
.site-header{position:sticky;top:0;z-index:100;background:rgba(244,247,251,.88);backdrop-filter:blur(10px);border-bottom:1px solid var(--border)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:18px;height:84px}
.nav .brand{display:flex;align-items:center}
.nav .brand img{height:60px;width:auto;display:block}
@media(max-width:520px){.nav .brand img{height:50px}}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none}
.nav-links a{color:var(--ink);font-weight:600;font-size:15px;text-decoration:none;padding:10px 12px;border-radius:9px}
.nav-links a:hover{background:var(--field);color:var(--navy)}
.nav-cta{display:flex;align-items:center;gap:10px}
.nav-toggle{display:none;background:none;border:1px solid var(--border-strong);border-radius:9px;width:46px;height:46px;cursor:pointer;color:var(--ink);font-size:20px}
@media(max-width:880px){
  .nav-toggle{display:inline-flex;align-items:center;justify-content:center}
  .nav-links{position:absolute;top:72px;left:0;right:0;flex-direction:column;align-items:stretch;background:var(--card);border-bottom:1px solid var(--border);padding:10px 16px 16px;gap:2px;box-shadow:var(--shadow);display:none}
  .nav-links.open{display:flex}
  .nav-links a{padding:14px 12px}
  .nav .desktop-cta{display:none}
}

/* ---------- hero ---------- */
.hero{background:linear-gradient(180deg,var(--navy) 0%,#13233a 100%);color:#eaf0f8;padding:74px 0 90px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(1100px 380px at 78% -10%,rgba(205,162,74,.20),transparent 60%);pointer-events:none}
.hero .wrap{position:relative;z-index:1;text-align:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:700;letter-spacing:.04em;color:#ecd9a6;background:rgba(205,162,74,.14);border:1px solid rgba(205,162,74,.4);padding:8px 16px;border-radius:100px;margin-bottom:22px}
.hero h1{color:#fff;font-size:clamp(34px,5.6vw,60px);margin-bottom:18px}
.hero h1 .accent{color:var(--gold)}
.hero p.lead{font-size:clamp(17px,2.2vw,21px);color:#cdd8e8;max-width:640px;margin:0 auto 30px}
.hero .cta-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.trust-row{display:flex;gap:26px;justify-content:center;flex-wrap:wrap;margin-top:30px;color:#dbe5f2;font-weight:600;font-size:14.5px}
.trust-row span{display:inline-flex;align-items:center;gap:8px}
.trust-row svg{flex:none}

/* ---------- generic section ---------- */
.section{padding:72px 0}
.section.alt{background:var(--card);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.section-head{text-align:center;max-width:680px;margin:0 auto 44px}
.section-head h2{font-size:clamp(27px,3.6vw,40px);margin-bottom:12px}
.section-head p{color:var(--soft);font-size:18px}

/* ---------- cards grid ---------- */
.grid{display:grid;gap:22px}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
@media(max-width:980px){.grid-4{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:1fr}}
@media(max-width:620px){.grid-4,.grid-2{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm)}
.tool-card{display:flex;flex-direction:column;gap:12px}
.tool-card .ic{width:50px;height:50px;border-radius:12px;display:flex;align-items:center;justify-content:center;background:var(--field);border:1px solid var(--border)}
.tool-card h3{font-size:20px}
.tool-card p{color:var(--soft);font-size:15.5px;flex:1}
.badge-lock{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:700;color:var(--gold-deep);background:var(--amber-bg);border:1px solid #ecd9a6;padding:4px 10px;border-radius:100px;align-self:flex-start}
.badge-free{display:inline-flex;align-items:center;gap:6px;font-size:12px;font-weight:700;color:var(--emerald);background:var(--emerald-bg);border:1px solid #bfe3d0;padding:4px 10px;border-radius:100px;align-self:flex-start}

/* ---------- calculators ---------- */
.calc{background:var(--card);border:1px solid var(--border);border-radius:var(--radius-lg);box-shadow:var(--shadow);overflow:hidden;margin:0 auto 40px;max-width:920px}
.calc-head{display:flex;align-items:center;gap:14px;padding:22px 26px;background:var(--navy);color:#fff}
.calc-head .ic{width:42px;height:42px;border-radius:10px;background:rgba(205,162,74,.18);display:flex;align-items:center;justify-content:center;flex:none}
.calc-head h3{color:#fff;font-size:21px;margin:0}
.calc-head p{color:#c6d2e3;font-size:13.5px;margin:2px 0 0}
.calc-body{position:relative;padding:26px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 22px}
@media(max-width:680px){.calc-grid{grid-template-columns:1fr}}
.field{display:flex;flex-direction:column;gap:6px}
.field.span2{grid-column:1 / -1}
.field label{font-size:14px;font-weight:700;color:var(--ink)}
.field .hint{font-size:12.5px;color:var(--soft);font-weight:500}
.input-wrap{position:relative;display:flex;align-items:center}
.input-wrap .unit{position:absolute;left:13px;color:var(--soft);font-weight:600;font-family:'JetBrains Mono',monospace;font-size:15px;pointer-events:none}
.input-wrap.has-unit input{padding-left:30px}
.input-wrap .suffix{position:absolute;right:13px;color:var(--soft);font-weight:600;font-size:14px;pointer-events:none}
input[type=number],input[type=text],input[type=email],select{
  width:100%;min-height:48px;background:var(--field);border:1px solid var(--border-strong);
  border-radius:10px;padding:12px 14px;font:inherit;font-size:16px;color:var(--ink);transition:border-color .15s,box-shadow .15s}
input:focus,select:focus{border-color:var(--gold);outline:none}
.seg{display:flex;gap:8px;flex-wrap:wrap}
.seg label{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:8px 14px;border:1px solid var(--border-strong);border-radius:10px;background:var(--field);cursor:pointer;font-size:14.5px;font-weight:600;color:var(--ink)}
.seg input{accent-color:var(--gold-deep);width:18px;height:18px}
.seg label:has(input:checked){border-color:var(--gold);background:#f5ecd9}
.preset-row{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px}
.chip{min-height:40px;padding:8px 14px;border-radius:100px;border:1px solid var(--border-strong);background:var(--field);color:var(--ink);font-weight:700;font-size:13.5px;cursor:pointer}
.chip:hover{border-color:var(--gold);background:#f5ecd9}
.calc-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}

/* results */
.results{margin-top:24px;border-top:1px dashed var(--border-strong);padding-top:22px}
.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
@media(max-width:680px){.result-grid{grid-template-columns:1fr 1fr}}
@media(max-width:430px){.result-grid{grid-template-columns:1fr}}
.stat{background:var(--field);border:1px solid var(--border);border-radius:12px;padding:16px}
.stat .k{font-size:12.5px;font-weight:700;color:var(--soft);text-transform:uppercase;letter-spacing:.03em}
.stat .v{font-family:'JetBrains Mono',monospace;font-size:23px;font-weight:700;color:var(--ink);margin-top:6px;line-height:1.1}
.stat.headline{background:var(--navy);border-color:var(--navy)}
.stat.headline .k{color:#c6d2e3}
.stat.headline .v{color:#fff}
.stat .v.pos{color:var(--emerald)} .stat .v.neg{color:var(--danger)}
.verdict{display:flex;align-items:center;gap:12px;margin-top:18px;padding:14px 18px;border-radius:12px;border:1px solid;font-weight:600}
.verdict.good{background:var(--emerald-bg);border-color:#bfe3d0;color:#0f5a3a}
.verdict.ok{background:var(--amber-bg);border-color:#ecd9a6;color:#6b4a00}
.verdict.bad{background:var(--danger-bg);border-color:#f3c9c9;color:#8a2020}
.calc-note{font-size:13px;color:var(--soft);margin-top:16px;line-height:1.55}
.sdlt-breakdown{width:100%;border-collapse:collapse;margin-top:14px;font-size:14.5px}
.sdlt-breakdown th,.sdlt-breakdown td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--border)}
.sdlt-breakdown th{color:var(--soft);font-weight:700;font-size:12.5px;text-transform:uppercase;letter-spacing:.03em}
.sdlt-breakdown td.num{font-family:'JetBrains Mono',monospace;text-align:right;color:var(--ink)}
.inline-msg{display:none;margin-top:16px;padding:12px 16px;border-radius:10px;background:var(--amber-bg);border:1px solid #ecd9a6;color:#6b4a00;font-weight:600;font-size:14.5px}
.inline-msg.show{display:block}

/* ---------- sign-in gate ---------- */
.gate{position:absolute;inset:0;background:rgba(255,255,255,.86);backdrop-filter:blur(4px);display:flex;align-items:center;justify-content:center;padding:24px;z-index:5}
.gate.hidden{display:none}
.gate-inner{max-width:380px;text-align:center;background:var(--card);border:1px solid var(--border);border-radius:16px;box-shadow:var(--shadow);padding:30px 26px}
.gate-inner .lock{width:52px;height:52px;border-radius:13px;background:var(--amber-bg);border:1px solid #ecd9a6;display:flex;align-items:center;justify-content:center;margin:0 auto 14px}
.gate-inner h4{font-family:'Spectral',sans-serif;font-size:21px;color:var(--ink);margin-bottom:8px}
.gate-inner p{font-size:14.5px;color:var(--soft);margin-bottom:18px}
.gate-gsi{display:flex;justify-content:center;min-height:44px}
.gate-config-note{margin-top:14px;font-size:12px;color:var(--soft);line-height:1.5}
.signed-badge{display:none;align-items:center;gap:8px;font-size:13px;font-weight:700;color:var(--emerald);background:var(--emerald-bg);border:1px solid #bfe3d0;padding:6px 12px;border-radius:100px}
.signed-badge.show{display:inline-flex}

/* ---------- lead capture ---------- */
.lead{background:linear-gradient(180deg,#13233a,var(--navy));color:#eaf0f8}
.lead .wrap{max-width:760px;text-align:center}
.lead h2{color:#fff;font-size:clamp(26px,3.4vw,38px);margin-bottom:12px}
.lead p{color:#cdd8e8;font-size:18px;margin-bottom:26px}
.lead-form{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;max-width:520px;margin:0 auto}
.lead-form input{flex:1;min-width:240px;background:#fff}
.lead-fine{margin-top:14px;font-size:13px;color:#9fb0c6}
.lead-ok{display:none;margin-top:18px;background:rgba(26,127,85,.18);border:1px solid rgba(120,200,160,.5);color:#bfe9d4;padding:14px 18px;border-radius:12px;font-weight:600}
.lead-ok.show{display:block}

/* ---------- blog ---------- */
.post-card{display:flex;flex-direction:column;background:var(--card);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm)}
.post-card .thumb{height:160px;background:linear-gradient(135deg,var(--navy),#1c3454);position:relative;display:flex;align-items:flex-end;padding:14px}
.post-card .thumb .cat{font-size:11.5px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--navy);background:var(--gold);padding:5px 11px;border-radius:100px}
.post-card .pc-body{padding:20px;display:flex;flex-direction:column;gap:10px;flex:1}
.post-card h3{font-size:19px}
.post-card .meta{font-size:13px;color:var(--soft);font-weight:600}
.post-card p{color:var(--soft);font-size:15px;flex:1}

/* article */
.article{max-width:700px;margin:0 auto;padding:50px 24px 20px}
.article .kicker{font-size:13px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-deep)}
.article h1{font-size:clamp(30px,4.4vw,46px);margin:12px 0 16px}
.article .byline{display:flex;align-items:center;gap:12px;color:var(--soft);font-size:14.5px;font-weight:600;border-bottom:1px solid var(--border);padding-bottom:20px;margin-bottom:8px}
.article .avatar{width:42px;height:42px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-weight:800;font-family:'Spectral',sans-serif}
.prose{font-size:18px;color:var(--body)}
.prose h2{font-size:27px;margin:38px 0 12px}
.prose h3{font-size:21px;margin:28px 0 8px}
.prose p{margin:16px 0}
.prose ul,.prose ol{margin:14px 0 14px 24px}
.prose li{margin:8px 0}
.prose li::marker{color:var(--gold-deep)}
.prose blockquote{border-left:4px solid var(--gold);background:var(--field);padding:14px 20px;border-radius:0 10px 10px 0;margin:22px 0;color:var(--ink);font-style:italic}
.prose a{font-weight:600}
.author-box{display:flex;gap:16px;align-items:flex-start;background:var(--field);border:1px solid var(--border);border-radius:14px;padding:22px;margin:40px 0}
.author-box .avatar{width:56px;height:56px;font-size:20px}
.faq-cta{background:var(--card)}

/* ---------- FAQ accordion ---------- */
.faq-list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
details.faq{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:4px 6px}
details.faq summary{cursor:pointer;list-style:none;padding:16px 18px;font-weight:700;color:var(--ink);font-size:17px;display:flex;justify-content:space-between;align-items:center;gap:14px}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";font-family:'JetBrains Mono',monospace;font-size:22px;color:var(--gold-deep);flex:none}
details.faq[open] summary::after{content:"–"}
details.faq .ans{padding:0 18px 18px;color:var(--body)}

/* ---------- contact form ---------- */
.form-card{max-width:620px;margin:0 auto;background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-sm)}
.form-2col{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}
@media(max-width:560px){.form-2col{grid-template-columns:1fr}}
.form-row{display:flex;flex-direction:column;gap:6px;margin-bottom:18px}
.form-row label{font-weight:700;color:var(--ink);font-size:14.5px}
textarea{width:100%;min-height:140px;background:var(--field);border:1px solid var(--border-strong);border-radius:10px;padding:12px 14px;font:inherit;font-size:16px;color:var(--ink);resize:vertical}
textarea:focus{border-color:var(--gold);outline:none}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:#c6d2e3;padding:56px 0 30px;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px}
@media(max-width:820px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.footer-grid{grid-template-columns:1fr}}
.site-footer h5{color:#fff;font-family:'Mulish',sans-serif;font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px;font-weight:800}
.site-footer a{color:#c6d2e3;text-decoration:none;font-size:14.5px;display:block;padding:5px 0}
.site-footer a:hover{color:var(--gold)}
.site-footer .blurb{font-size:14.5px;color:#9fb0c6;max-width:280px;margin-top:14px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:22px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px;color:#9fb0c6}
.footer-logo{height:58px;width:auto;filter:brightness(0) invert(1);opacity:.95}

/* breadcrumb */
.crumbs{font-size:13.5px;color:var(--soft);padding:16px 0 0}
.crumbs a{color:var(--soft);text-decoration:none;font-weight:600}
.crumbs a:hover{color:var(--gold-deep)}

/* utilities */
.center{text-align:center}
.mt-lg{margin-top:34px}
.disclaimer{background:var(--info-bg);border:1px solid #cfe0ef;border-radius:12px;padding:16