/* =========================================================
   The Navigator — shared design system
   Dillingham Benefits · Chad Palm
   Matches site Fraunces + Inter editorial aesthetic
   ========================================================= */

:root {
  --charcoal: #2C2C2C; --gold: #C8960E; --gold-deep: #a07c0b;
  --peach: #E5C9A2; --peach-pale: #FAF1E5;
  --off-white: #F5F4F0; --charcoal-deep: #1a1a1a; --white: #FFFFFF;
  --muted: rgba(26, 26, 26, 0.58);
  --faint: rgba(26, 26, 26, 0.1);
  --line: rgba(44, 44, 44, 0.14);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Montserrat', system-ui, -apple-system, sans-serif;
  background: var(--off-white); color: var(--charcoal-deep);
  font-size: 16px; line-height: 1.65;
  -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
h1, h2, h3 { font-family: 'Montserrat', sans-serif; font-weight: 500; letter-spacing: -0.02em; line-height: 1.1; }
a { color: inherit; text-decoration: none; }
img, svg { display: block; max-width: 100%; }
button { font: inherit; color: inherit; background: none; border: none; cursor: pointer; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 32px; }
.container-narrow { max-width: 760px; margin: 0 auto; padding: 0 32px; }

/* Masthead — matches home page wordmark pattern */
.masthead { border-bottom: 1px solid var(--line); padding: 20px 0; background: var(--off-white); position: sticky; top: 0; z-index: 100; backdrop-filter: blur(8px); }
.masthead-inner { max-width: 1200px; margin: 0 auto; padding: 0 32px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.wordmark { font-family: 'Montserrat', sans-serif; font-size: 22px; font-weight: 500; color: var(--charcoal); letter-spacing: -0.01em; text-decoration: none; display: flex; align-items: center; gap: 10px; }
.wordmark-dot { color: var(--gold); }
.wordmark-divider { width: 1px; height: 18px; background: var(--gold); opacity: 0.5; }
.wordmark-sub { font-family: 'Montserrat', sans-serif; font-size: 13px; font-weight: 400; color: var(--muted); letter-spacing: 0.01em; }
.masthead-date { font-size: 11px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); font-weight: 500; }
.masthead-nav { display: flex; gap: 36px; align-items: center; }
.nav-link { font-size: 13px; color: var(--charcoal-deep); text-decoration: none; font-weight: 400; letter-spacing: 0.01em; transition: color 0.2s ease; position: relative; }
.nav-link:hover { color: var(--gold); }
.nav-link-employees { color: var(--peach) !important; border: 1px solid rgba(229, 185, 194, 0.4); padding: 6px 14px; border-radius: 2px; }
.nav-link-employees:hover { color: var(--gold) !important; border-color: var(--gold); }

/* Typography */
.display { font-family: 'Montserrat', sans-serif; font-weight: 400; font-size: clamp(44px, 6.4vw, 78px); line-height: 1.02; letter-spacing: -0.035em; color: var(--charcoal); }
.display .dot { color: var(--gold); }
.page-title { font-family: 'Montserrat', sans-serif; font-weight: 500; font-size: clamp(36px, 5vw, 54px); line-height: 1.08; letter-spacing: -0.022em; color: var(--charcoal); margin-bottom: 24px; }
.kicker { font-size: 11px; letter-spacing: 0.24em; text-transform: uppercase; color: var(--gold); font-weight: 600; margin-bottom: 24px; display: flex; align-items: center; gap: 14px; }
.kicker::before { content: ''; width: 32px; height: 1px; background: var(--gold); }
.kicker-muted { color: var(--muted); font-weight: 500; }
.kicker-muted::before { background: var(--muted); opacity: 0.5; }
.lede { font-family: 'Montserrat', sans-serif; font-weight: 300; font-size: 20px; line-height: 1.55; letter-spacing: -0.005em; color: var(--muted); margin-bottom: 32px; max-width: 620px; }
.lead { font-size: 17px; line-height: 1.65; color: var(--muted); margin-bottom: 20px; }
.small { font-size: 13px; line-height: 1.6; color: var(--muted); }
hr.rule { height: 1px; background: var(--line); border: 0; margin: 56px 0; }

/* Buttons */
.btn { display: inline-block; padding: 15px 28px; font-family: 'Montserrat', sans-serif; font-size: 14px; font-weight: 500; letter-spacing: 0.02em; border-radius: 2px; border: none; cursor: pointer; transition: all 0.25s ease; line-height: 1; }
.btn-primary { background: var(--charcoal); color: var(--off-white); }
.btn-primary:hover { background: var(--gold); transform: translateY(-1px); }
.btn-primary:disabled { background: rgba(44, 44, 44, 0.25); cursor: not-allowed; transform: none; }
.btn-secondary { background: transparent; color: var(--charcoal); border: 1px solid var(--charcoal); padding: 14px 27px; }
.btn-secondary:hover { background: var(--charcoal); color: var(--off-white); }
.btn-primary { background: var(--gold); color: var(--white); }
.btn-primary:hover { background: var(--gold-deep); transform: translateY(-1px); }
.btn-text { display: inline-block; color: var(--charcoal-deep); padding: 14px 0; font-size: 14px; font-weight: 500; border-bottom: 1px solid var(--charcoal); letter-spacing: 0.01em; cursor: pointer; transition: color 0.2s ease; }
.btn-text:hover { color: var(--gold); border-color: var(--gold); }
.btn-group { display: flex; flex-wrap: wrap; gap: 20px; align-items: center; }

.hero { padding: 90px 0 80px; border-bottom: 1px solid var(--line); }
.hero-narrow { padding: 72px 0 56px; }
.section { padding: 80px 0; border-bottom: 1px solid var(--line); }
.section-last { border-bottom: none; }

/* Hub path cards */
.paths { display: grid; grid-template-columns: 1fr; border-top: 1px solid var(--line); }
@media (min-width: 720px) {
  .paths { grid-template-columns: repeat(3, 1fr); }
  .paths .path-card { border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
  .paths .path-card:last-child { border-right: none; }
}
@media (max-width: 719px) { .paths .path-card { border-bottom: 1px solid var(--line); } }
.path-card { padding: 40px 28px; display: flex; flex-direction: column; text-decoration: none; color: var(--charcoal-deep); transition: background 0.3s ease; min-height: 280px; position: relative; }
.path-card:hover { background: rgba(200, 150, 14, 0.025); }
.path-card:hover .path-title { color: var(--gold); }
.path-card:hover .path-cta-text { color: var(--gold); }
.path-card:hover .path-arrow { transform: translateX(6px); color: var(--gold); }
.path-card--disabled { cursor: default; pointer-events: none; opacity: 0.55; }
.path-meta { display: flex; align-items: center; gap: 14px; margin-bottom: 18px; }
.path-num { font-family: 'Montserrat', sans-serif; font-size: 13px; font-style: italic; color: var(--gold); font-weight: 500; }
.path-cat { font-size: 10px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--muted); font-weight: 600; }
.path-title { font-family: 'Montserrat', sans-serif; font-size: 24px; font-weight: 500; color: var(--charcoal); line-height: 1.2; letter-spacing: -0.015em; margin-bottom: 14px; transition: color 0.25s ease; }
.path-desc { font-size: 14px; color: var(--muted); line-height: 1.65; margin-bottom: 24px; flex: 1; }
.path-cta { display: flex; justify-content: space-between; align-items: center; margin-top: auto; padding-top: 16px; border-top: 1px solid var(--line); }
.path-cta-text { font-size: 11px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--charcoal); font-weight: 600; transition: color 0.25s ease; }
.path-card--disabled .path-cta-text { color: var(--muted); }
.path-arrow { font-family: 'Montserrat', sans-serif; font-size: 18px; color: var(--muted); transition: all 0.25s ease; }

/* Forms */
.form-section { background: var(--white); border: 1px solid var(--line); padding: 44px 40px; margin-bottom: 24px; }
@media (max-width: 640px) { .form-section { padding: 32px 24px; } }
.step-label { display: flex; align-items: baseline; gap: 14px; margin-bottom: 36px; padding-bottom: 20px; border-bottom: 1px solid var(--line); }
.step-num { font-family: 'Montserrat', sans-serif; font-style: italic; font-size: 14px; color: var(--gold); font-weight: 500; }
.step-title { font-family: 'Montserrat', sans-serif; font-size: 28px; font-weight: 500; color: var(--charcoal); letter-spacing: -0.018em; line-height: 1.2; }
.field { margin-bottom: 28px; }
.field:last-child { margin-bottom: 0; }
.field label, .field .field-label { display: block; font-size: 11px; font-weight: 600; letter-spacing: 0.18em; text-transform: uppercase; color: var(--charcoal); margin-bottom: 12px; }
.field .field-help { font-size: 13px; color: var(--muted); line-height: 1.55; margin: -6px 0 10px 0; text-transform: none; letter-spacing: normal; font-weight: 400; }
.field input[type="text"], .field input[type="date"], .field select, .field textarea { width: 100%; padding: 14px 16px; font-family: 'Montserrat', sans-serif; font-size: 15px; color: var(--charcoal-deep); background: var(--off-white); border: 1px solid var(--line); border-radius: 2px; transition: border-color 0.2s ease, background 0.2s ease; line-height: 1.4; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--charcoal); background: var(--white); }
.field textarea { resize: vertical; min-height: 96px; line-height: 1.6; }
.field-radio-group, .field-check-group { display: flex; flex-direction: column; gap: 8px; }
.radio-item, .check-item { display: flex; align-items: flex-start; gap: 14px; padding: 14px 16px; border: 1px solid var(--line); background: var(--off-white); cursor: pointer; transition: all 0.18s ease; }
.radio-item:hover, .check-item:hover { border-color: var(--muted); background: var(--white); }
.radio-item.selected, .check-item.selected { border-color: var(--charcoal); background: var(--white); }
.radio-item input, .check-item input { margin-top: 2px; accent-color: var(--charcoal); width: 16px; height: 16px; flex-shrink: 0; }
.radio-item span, .check-item span { font-size: 15px; line-height: 1.5; }
.field-radio-inline { display: flex; flex-wrap: wrap; gap: 8px; }
.field-radio-inline .radio-item { flex: 1; min-width: 120px; justify-content: center; text-align: center; padding: 12px 16px; }

/* Surgery: 4-layer network grid */
.network-grid { display: grid; grid-template-columns: 1fr; gap: 12px; }
@media (min-width: 640px) { .network-grid { grid-template-columns: 1fr 1fr; } }
.network-layer { border: 1px solid var(--line); padding: 16px; background: var(--off-white); }
.network-layer .layer-name { font-size: 11px; font-weight: 600; color: var(--charcoal); letter-spacing: 0.14em; text-transform: uppercase; margin-bottom: 12px; }
.network-layer .radio-mini { display: flex; gap: 6px; }
.network-layer .radio-mini label { flex: 1; padding: 10px; border: 1px solid var(--line); background: var(--white); text-align: center; font-size: 12px; font-weight: 500; cursor: pointer; transition: all 0.15s ease; color: var(--charcoal-deep); margin: 0; }
.network-layer .radio-mini label:has(input:checked) { background: var(--charcoal); color: var(--off-white); border-color: var(--charcoal); }
.network-layer .radio-mini input { position: absolute; opacity: 0; pointer-events: none; }

.disclaimer-check { background: var(--peach-pale); border: 1px solid var(--peach); border-left: 3px solid var(--gold); padding: 20px 24px; display: flex; align-items: flex-start; gap: 14px; margin-bottom: 36px; }
.disclaimer-check input { margin-top: 3px; accent-color: var(--gold); width: 18px; height: 18px; flex-shrink: 0; }
.disclaimer-check label { font-size: 14px; line-height: 1.55; color: var(--charcoal); cursor: pointer; font-weight: 500; letter-spacing: normal; text-transform: none; margin: 0; }

#form-errors { background: var(--peach-pale); border: 1px solid var(--peach); border-left: 3px solid var(--gold); padding: 16px 20px; margin-bottom: 24px; color: var(--gold-deep); font-size: 14px; line-height: 1.55; }
#form-errors p { margin: 4px 0; }

/* Output sections */
.output-section { margin-top: 64px; padding-top: 40px; border-top: 1px solid var(--line); }
.output-section:first-child { margin-top: 0; padding-top: 0; border-top: none; }
.output-section-title { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; margin-bottom: 32px; flex-wrap: wrap; }
.output-section-title > span:first-child { font-family: 'Montserrat', sans-serif; font-size: 26px; font-weight: 500; color: var(--charcoal); letter-spacing: -0.015em; line-height: 1.2; }
.section-badge { font-size: 10px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--muted); font-weight: 600; }

/* Surgery: timeline */
.timeline { position: relative; padding-left: 40px; }
.timeline::before { content: ""; position: absolute; left: 6px; top: 10px; bottom: 10px; width: 1px; background: var(--line); }
.milestone { position: relative; padding-bottom: 36px; }
.milestone:last-child { padding-bottom: 0; }
.milestone::before { content: ""; position: absolute; left: -38px; top: 8px; width: 13px; height: 13px; border-radius: 50%; background: var(--off-white); border: 1.5px solid var(--charcoal); }
.milestone--current::before { background: var(--gold); border-color: var(--gold); box-shadow: 0 0 0 4px rgba(200, 150, 14, 0.15); }
.milestone--past::before { background: var(--charcoal); border-color: var(--charcoal); }
.milestone--critical::before { background: var(--gold); border-color: var(--gold); }
.milestone-header { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; margin-bottom: 8px; flex-wrap: wrap; }
.milestone-marker { font-family: 'Montserrat', sans-serif; font-style: italic; font-size: 13px; color: var(--gold); font-weight: 500; letter-spacing: 0.03em; }
.milestone--critical .milestone-marker { font-style: normal; font-weight: 600; }
.milestone-date { font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--muted); font-weight: 600; }
.milestone-title { font-family: 'Montserrat', sans-serif; font-weight: 500; font-size: 19px; color: var(--charcoal); line-height: 1.3; letter-spacing: -0.012em; margin-bottom: 8px; }
.milestone-body { font-size: 15px; line-height: 1.65; color: var(--charcoal-deep); }

/* Pharmacy + Medical PA: tiers */
.tier { background: var(--white); border: 1px solid var(--line); margin-bottom: 20px; }
.tier--urgent { border-left: 3px solid var(--gold); }
.tier--soon { border-left: 3px solid var(--charcoal); }
.tier--fallback { border-left: 3px solid var(--muted); }
.tier-header { padding: 28px 32px 20px; border-bottom: 1px solid var(--line); }
.tier-kicker { font-size: 11px; letter-spacing: 0.24em; text-transform: uppercase; font-weight: 600; margin-bottom: 10px; display: flex; align-items: center; gap: 12px; }
.tier--urgent .tier-kicker { color: var(--gold); }
.tier--urgent .tier-kicker::before { content: ''; width: 28px; height: 1px; background: var(--gold); }
.tier--soon .tier-kicker { color: var(--charcoal); }
.tier--soon .tier-kicker::before { content: ''; width: 28px; height: 1px; background: var(--charcoal); }
.tier--fallback .tier-kicker { color: var(--muted); }
.tier--fallback .tier-kicker::before { content: ''; width: 28px; height: 1px; background: var(--muted); }
.tier-title { font-family: 'Montserrat', sans-serif; font-weight: 500; font-size: 24px; color: var(--charcoal); line-height: 1.25; letter-spacing: -0.015em; margin-bottom: 8px; }
.tier-desc { font-size: 14px; color: var(--muted); line-height: 1.6; }
.action-list { padding: 0; }
.action-card { display: grid; grid-template-columns: 40px 1fr; gap: 20px; padding: 24px 32px; border-bottom: 1px solid var(--line); align-items: start; }
.action-card:last-child { border-bottom: none; }
.action-num { font-family: 'Montserrat', sans-serif; font-style: italic; font-size: 14px; color: var(--gold); font-weight: 500; padding-top: 2px; }
.action-name { font-weight: 600; font-size: 16px; color: var(--charcoal); margin-bottom: 6px; letter-spacing: -0.005em; }
.action-body { font-size: 14px; line-height: 1.65; color: var(--charcoal-deep); margin-bottom: 10px; }
.action-body strong { color: var(--charcoal); font-weight: 600; }
.action-meta { font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); font-weight: 600; }

/* Medical PA: decision clock */
.clock { background: var(--white); border: 1px solid var(--line); padding: 36px 40px; margin-bottom: 32px; position: relative; }
.clock--expired { border-left: 3px solid var(--gold); }
.clock--approaching { border-left: 3px solid var(--gold); }
.clock--safe { border-left: 3px solid var(--charcoal); }
.clock--pre { border-left: 3px solid var(--muted); }
@media (max-width: 640px) { .clock { padding: 28px 24px; } }
.clock-kicker { font-size: 11px; letter-spacing: 0.24em; text-transform: uppercase; font-weight: 600; color: var(--gold); margin-bottom: 10px; display: flex; align-items: center; gap: 12px; }
.clock-kicker::before { content: ''; width: 28px; height: 1px; background: var(--gold); }
.clock-title { font-family: 'Montserrat', sans-serif; font-weight: 500; font-size: 26px; color: var(--charcoal); letter-spacing: -0.018em; line-height: 1.2; margin-bottom: 8px; }
.clock-desc { font-size: 14px; line-height: 1.6; color: var(--muted); margin-bottom: 32px; }
.clock-bar-wrap { position: relative; padding: 40px 0 60px 0; }
.clock-bar { position: relative; height: 3px; background: var(--faint); border-radius: 2px; }
.clock-bar-fill { position: absolute; top: 0; left: 0; height: 3px; background: var(--charcoal); border-radius: 2px; transition: width 0.3s ease; }
.clock--expired .clock-bar-fill { background: var(--gold); }
.clock--approaching .clock-bar-fill { background: var(--gold); }
.clock-marker { position: absolute; top: -7px; width: 17px; height: 17px; border-radius: 50%; background: var(--white); border: 2px solid var(--charcoal); transform: translateX(-50%); z-index: 2; }
.clock-marker--start { left: 0; transform: translateX(0); }
.clock-marker--end { right: 0; left: auto; transform: translateX(0); }
.clock-marker--today { background: var(--gold); border-color: var(--gold); box-shadow: 0 0 0 4px rgba(200, 150, 14, 0.15); width: 19px; height: 19px; top: -8px; }
.clock--expired .clock-marker--end, .clock--approaching .clock-marker--end { background: var(--gold); border-color: var(--gold); }
.clock-label { position: absolute; font-size: 10px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--muted); font-weight: 600; white-space: nowrap; }
.clock-label--top { top: -32px; }
.clock-label-date { display: block; font-family: 'Montserrat', sans-serif; font-style: italic; font-size: 12px; color: var(--charcoal); letter-spacing: 0.02em; text-transform: none; font-weight: 500; margin-top: 3px; }
.clock-label--start { left: 0; }
.clock-label--end { right: 0; text-align: right; }
.clock-label--today { transform: translateX(-50%); color: var(--gold); }
.clock-label--today .clock-label-date { color: var(--gold); }
.clock-status { padding: 20px 24px; background: var(--off-white); border: 1px solid var(--line); margin-top: 24px; font-size: 14px; line-height: 1.6; }
.clock-status strong { color: var(--charcoal); }
.clock--expired .clock-status { background: var(--peach-pale); border-color: var(--peach); }
.clock--expired .clock-status strong { color: var(--gold-deep); }

/* Phone scripts (shared across all tools) */
.script-card { background: var(--peach-pale); border-left: 3px solid var(--gold); padding: 24px 28px 24px 44px; position: relative; margin-bottom: 16px; }
.script-card::before { content: "\201C"; position: absolute; top: 12px; left: 16px; font-family: 'Montserrat', sans-serif; font-size: 52px; line-height: 1; color: var(--gold); font-style: italic; opacity: 0.8; }
.script-title { font-size: 11px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--charcoal); font-weight: 600; margin-bottom: 12px; }
.script-body { font-family: 'Montserrat', sans-serif; font-weight: 400; font-style: italic; font-size: 17px; line-height: 1.55; color: var(--charcoal); letter-spacing: -0.005em; margin-bottom: 14px; }
.script-copy { font-size: 10px; font-weight: 600; letter-spacing: 0.22em; text-transform: uppercase; color: var(--gold); border: none; border-bottom: 1px solid var(--gold); padding: 0 0 2px 0; cursor: pointer; background: none; }
.script-copy:hover, .script-copy.copied { color: var(--charcoal); border-color: var(--charcoal); }

/* Escalation card (shared) */
.escalation-card { background: var(--white); border: 1px solid var(--line); border-left: 3px solid var(--gold); padding: 36px 40px; margin: 32px 0; }
@media (max-width: 640px) { .escalation-card { padding: 28px 24px; } }
.escalation-card .kicker { margin-bottom: 18px; }
.escalation-card h3 { font-family: 'Montserrat', sans-serif; font-weight: 500; font-size: 22px; color: var(--charcoal); line-height: 1.3; letter-spacing: -0.012em; margin-bottom: 14px; }
.escalation-card .escalation-copy { color: var(--muted); font-size: 15px; line-height: 1.65; margin-bottom: 24px; }
.escalation-card .reasons-label { font-size: 11px; font-weight: 600; letter-spacing: 0.18em; text-transform: uppercase; color: var(--charcoal); margin-bottom: 12px; }
.escalation-card .reasons { list-style: none; padding: 0; margin: 0 0 28px 0; }
.escalation-card .reasons li { padding: 10px 0 10px 22px; position: relative; font-size: 14px; line-height: 1.55; border-bottom: 1px solid var(--line); }
.escalation-card .reasons li:last-child { border-bottom: none; }
.escalation-card .reasons li::before { content: "→"; position: absolute; left: 0; top: 10px; color: var(--gold); font-weight: 600; font-family: 'Montserrat', sans-serif; }

/* Checklist (Surgery) */
.checklist { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: 1fr; border-top: 1px solid var(--line); }
@media (min-width: 640px) {
  .checklist { grid-template-columns: 1fr 1fr; }
  .checklist li:nth-child(odd) { border-right: 1px solid var(--line); padding-right: 20px; }
  .checklist li:nth-child(even) { padding-left: 20px; }
}
.checklist li { display: flex; align-items: flex-start; gap: 14px; padding: 16px 0; font-size: 15px; line-height: 1.5; border-bottom: 1px solid var(--line); }
.checklist li::before { content: ""; display: block; width: 14px; height: 14px; border: 1.5px solid var(--charcoal); border-radius: 2px; flex-shrink: 0; margin-top: 3px; }

/* Pharmacy: medical necessity letter preview */
.letter-preview { background: var(--white); border: 1px solid var(--line); padding: 32px 40px; margin-top: 20px; font-family: 'Montserrat', sans-serif; font-size: 14px; line-height: 1.7; color: var(--charcoal-deep); }
.letter-preview h4 { font-family: 'Montserrat', sans-serif; font-weight: 500; font-size: 18px; color: var(--charcoal); margin-bottom: 16px; padding-bottom: 10px; border-bottom: 1px solid var(--line); }
.letter-preview p { margin-bottom: 14px; }
.letter-preview .letter-placeholder { background: var(--peach-pale); color: var(--gold-deep); padding: 1px 6px; font-weight: 500; font-style: italic; font-family: 'Montserrat', sans-serif; font-size: 13px; }

/* Customize panel (HR packet) */
.customize-panel { background: var(--white); border: 1px solid var(--line); padding: 40px; margin-top: 32px; }
@media (max-width: 640px) { .customize-panel { padding: 28px 24px; } }
.customize-panel .kicker { margin-bottom: 16px; }
.customize-panel h3 { font-family: 'Montserrat', sans-serif; font-weight: 500; font-size: 24px; color: var(--charcoal); margin-bottom: 10px; letter-spacing: -0.015em; }
.customize-panel .customize-intro { color: var(--muted); font-size: 15px; line-height: 1.65; margin-bottom: 28px; }
.privacy-warning { background: var(--peach-pale); border: 1px solid var(--peach); padding: 14px 18px; margin-bottom: 24px; font-size: 13px; line-height: 1.55; color: var(--charcoal); }
.privacy-warning strong { color: var(--gold-deep); }
.toggle-row { display: flex; align-items: flex-start; gap: 14px; padding: 18px 0; border-top: 1px solid var(--line); }
.toggle-row:last-of-type { border-bottom: 1px solid var(--line); margin-bottom: 28px; }
.toggle-row input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--charcoal); flex-shrink: 0; }
.toggle-row label { font-size: 15px; cursor: pointer; margin: 0; line-height: 1.5; font-weight: 500; color: var(--charcoal-deep); letter-spacing: normal; text-transform: none; }
.toggle-row label .toggle-help { display: block; font-weight: 400; color: var(--muted); font-size: 13px; margin-top: 4px; line-height: 1.55; }

/* Call log */
.call-log { margin-top: 20px; }
.call-entry { display: grid; grid-template-columns: auto 1fr auto; gap: 16px; align-items: center; padding: 12px 16px; background: var(--white); border: 1px solid var(--line); margin-bottom: 8px; font-size: 14px; }
.call-entry .call-date { font-family: 'Montserrat', sans-serif; font-weight: 500; color: var(--gold); font-size: 13px; letter-spacing: 0.02em; }
.call-entry .call-remove { color: var(--muted); font-size: 10px; letter-spacing: 0.18em; text-transform: uppercase; font-weight: 600; background: none; border: none; cursor: pointer; }
.call-entry .call-remove:hover { color: var(--gold); }
.call-add-form { display: grid; grid-template-columns: 1fr; gap: 10px; margin-top: 16px; padding: 20px; background: var(--off-white); border: 1px dashed var(--line); }
@media (min-width: 640px) { .call-add-form { grid-template-columns: 140px 1fr 1fr auto; } }

/* Site footer */
.site-footer { max-width: 1200px; margin: 0 auto; padding: 40px 32px; border-top: 1px solid var(--line); display: flex; justify-content: space-between; font-size: 13px; color: rgba(26, 26, 26, 0.4); flex-wrap: wrap; gap: 16px; line-height: 1.65; }
.site-footer .footer-credit { max-width: 640px; }
.site-footer .footer-credit strong { color: var(--charcoal); font-weight: 600; }
.site-footer a { color: var(--muted); margin-left: 24px; }
.site-footer a:first-of-type { margin-left: 0; }
.site-footer a:hover { color: var(--charcoal); }
.site-footer .footer-links { display: flex; align-items: center; flex-wrap: wrap; }

/* Terms page */
.guide-body h2 { font-family: 'Montserrat', sans-serif; font-size: 28px; font-weight: 500; color: var(--charcoal); letter-spacing: -0.018em; line-height: 1.2; margin: 48px 0 16px; }
.guide-body h2:first-of-type { margin-top: 0; }
.guide-body p { font-size: 16px; line-height: 1.75; color: var(--charcoal-deep); margin-bottom: 18px; }
.guide-body em { font-style: italic; color: var(--charcoal); }
.guide-body a { color: var(--charcoal); text-decoration: underline; text-decoration-color: var(--line); text-underline-offset: 3px; }
.guide-body a:hover { text-decoration-color: var(--gold); }

/* Utility */
.hide { display: none !important; }

/* Print */
@media print {
  .no-print { display: none !important; }
  body { background: white; }
  .masthead, .site-footer { display: none; }
  .form-section, .path-card, .script-card, .escalation-card, .customize-panel, .tier, .clock { break-inside: avoid; }
}

/* Responsive */
@media (max-width: 640px) {
  .container, .container-narrow { padding: 0 24px; }
  .masthead-inner { padding: 0 24px; gap: 16px; }
  .masthead-nav { gap: 20px; }
  .nav-link { font-size: 12px; }
  .masthead-date, .wordmark-divider, .wordmark-sub { display: none; }
  .site-footer { padding: 32px 24px; }
  .hero { padding: 56px 0 48px; }
  .section { padding: 56px 0; }
  .form-section { padding: 28px 20px; }
  .tier-header { padding: 24px; }
  .action-card { padding: 20px 24px; grid-template-columns: 32px 1fr; gap: 14px; }
  .clock-bar-wrap { padding: 50px 0 70px 0; }
  .clock-label { font-size: 9px; }
  .clock-label-date { font-size: 11px; }
  .letter-preview { padding: 24px; }
  .timeline { padding-left: 32px; }
  .milestone::before { left: -30px; }
}

/* ==================================================
   FIDUCIARY RISK SCORECARD — specific components
   ================================================== */

/* Progress bar */
.progress-wrap { background: var(--white); border: 1px solid var(--line); padding: 20px 32px; position: sticky; top: 65px; z-index: 50; display: flex; align-items: center; gap: 20px; margin-bottom: 28px; }
.progress-meta { font-size: 11px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--muted); font-weight: 600; white-space: nowrap; }
.progress-meta strong { color: var(--charcoal); }
.progress-bar { flex: 1; height: 3px; background: var(--faint); border-radius: 2px; overflow: hidden; }
.progress-fill { height: 100%; background: var(--charcoal); transition: width 0.4s ease; width: 0%; }

/* Section groups in form */
.q-section { background: var(--white); border: 1px solid var(--line); padding: 44px 40px; margin-bottom: 24px; }
@media (max-width: 640px) { .q-section { padding: 32px 24px; } }
.q-section-header { display: flex; align-items: baseline; gap: 14px; margin-bottom: 8px; padding-bottom: 20px; border-bottom: 1px solid var(--line); margin-bottom: 32px; }
.q-section-num { font-family: 'Montserrat', sans-serif; font-style: italic; font-size: 14px; color: var(--gold); font-weight: 500; }
.q-section-title { font-family: 'Montserrat', sans-serif; font-size: 26px; font-weight: 500; color: var(--charcoal); letter-spacing: -0.018em; line-height: 1.2; }

/* Individual question */
.q-item { margin-bottom: 32px; }
.q-item:last-child { margin-bottom: 0; }
.q-prompt { font-size: 16px; font-weight: 500; color: var(--charcoal); margin-bottom: 8px; line-height: 1.5; }
.q-help { font-size: 13px; color: var(--muted); line-height: 1.55; margin-bottom: 14px; }
.q-options { display: flex; flex-direction: column; gap: 8px; }

/* Score results */
.score-hero { background: var(--white); border: 1px solid var(--line); padding: 56px 40px 48px; margin-bottom: 32px; text-align: center; }
@media (max-width: 640px) { .score-hero { padding: 40px 24px 32px; } }
.score-hero .kicker { justify-content: center; margin-bottom: 20px; }
.score-hero .kicker::before { display: none; }
.score-value { font-family: 'Montserrat', sans-serif; font-weight: 400; font-size: clamp(80px, 14vw, 132px); line-height: 0.95; letter-spacing: -0.04em; color: var(--charcoal); margin-bottom: 8px; }
.score-value .score-max { font-size: 0.28em; color: var(--muted); font-weight: 400; letter-spacing: 0; margin-left: 6px; vertical-align: super; }
.risk-band { display: inline-block; font-size: 12px; letter-spacing: 0.22em; text-transform: uppercase; font-weight: 700; padding: 8px 20px; border-radius: 2px; margin-bottom: 18px; }
.risk-band--low { background: #E5EADB; color: #4A6B2F; }
.risk-band--moderate { background: #F5E9D6; color: #8C5B1E; }
.risk-band--elevated { background: var(--peach-pale); color: var(--gold-deep); }
.risk-band--critical { background: var(--gold); color: var(--white); }
.score-summary { font-family: 'Montserrat', sans-serif; font-size: 18px; line-height: 1.55; color: var(--charcoal); max-width: 560px; margin: 0 auto; font-weight: 300; }

/* Section breakdown */
.breakdown { background: var(--white); border: 1px solid var(--line); margin-bottom: 32px; }
.breakdown-row { display: grid; grid-template-columns: 1fr auto 100px; gap: 20px; align-items: center; padding: 20px 32px; border-bottom: 1px solid var(--line); }
.breakdown-row:last-child { border-bottom: none; }
@media (max-width: 640px) { .breakdown-row { padding: 18px 24px; grid-template-columns: 1fr auto; gap: 12px; } .breakdown-bar-wrap { grid-column: 1 / -1; } }
.breakdown-name { font-size: 14px; font-weight: 500; color: var(--charcoal); }
.breakdown-bar-wrap { width: 160px; height: 4px; background: var(--faint); border-radius: 2px; overflow: hidden; position: relative; }
@media (max-width: 640px) { .breakdown-bar-wrap { width: 100%; } }
.breakdown-bar { height: 100%; background: var(--charcoal); border-radius: 2px; }
.breakdown-bar--low { background: #7FA05B; }
.breakdown-bar--mod { background: #C99A4F; }
.breakdown-bar--high { background: var(--gold); }
.breakdown-pct { font-size: 13px; font-weight: 600; color: var(--muted); text-align: right; font-family: 'Montserrat', sans-serif; font-style: italic; }

/* Action cards (reusing tier pattern) */
.action-priority { font-size: 10px; letter-spacing: 0.22em; text-transform: uppercase; font-weight: 700; margin-bottom: 8px; }
.action-priority--critical { color: var(--gold); }
.action-priority--high { color: var(--gold-deep); }
.action-priority--medium { color: var(--charcoal); }

/* Intro / hero variants */
.fid-hero-stats { display: grid; grid-template-columns: 1fr; gap: 20px; margin-top: 40px; padding-top: 40px; border-top: 1px solid var(--line); }
@media (min-width: 720px) { .fid-hero-stats { grid-template-columns: repeat(3, 1fr); } }
.fid-stat { }
.fid-stat-num { font-family: 'Montserrat', sans-serif; font-weight: 400; font-size: 42px; line-height: 1; color: var(--gold); letter-spacing: -0.02em; margin-bottom: 10px; }
.fid-stat-label { font-size: 13px; color: var(--muted); line-height: 1.55; }
.fid-stat-label strong { color: var(--charcoal); font-weight: 600; }

/* Context: what's being measured */
.what-measured { background: var(--white); border: 1px solid var(--line); padding: 40px; margin-top: 24px; }
@media (max-width: 640px) { .what-measured { padding: 28px 24px; } }
.what-measured h3 { font-family: 'Montserrat', sans-serif; font-size: 22px; font-weight: 500; color: var(--charcoal); letter-spacing: -0.015em; line-height: 1.2; margin-bottom: 18px; }
.what-measured-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.what-measured-list li { font-size: 14px; line-height: 1.6; color: var(--charcoal-deep); padding-left: 22px; position: relative; }
.what-measured-list li::before { content: "→"; position: absolute; left: 0; top: 0; color: var(--gold); font-weight: 600; font-family: 'Montserrat', sans-serif; }

/* Category pill on action card */
.action-category { display: inline-block; font-size: 10px; letter-spacing: 0.18em; text-transform: uppercase; font-weight: 600; color: var(--muted); background: var(--off-white); border: 1px solid var(--line); padding: 4px 10px; border-radius: 2px; margin-bottom: 10px; }

/* Print overrides for score + actions */
@media print {
  .progress-wrap { display: none; }
  .score-hero, .breakdown, .tier, .what-measured { page-break-inside: avoid; }
  .q-section-header, .tier-header { page-break-after: avoid; }
}