/* ============================================================
   FS² shared design system — "Prairie Sky, alive" (V5)
   ============================================================ */
:root{
  --navy-900:#081A33; --navy-800:#0C2447; --navy-700:#123158;
  --ink:#2E4258; --mist:#9DB6D4; --cloud:#F2F7FC; --white:#FFFFFF;
  --sky:#5FA8F5; --gold:#F2B138; --gold-soft:#F9D98A;
  --green:#3FA66A; --amber:#E2950F; --red:#D45B5B;
  --serif:'Cormorant Garamond', Georgia, serif;
  --sans:'Inter', Helvetica, Arial, sans-serif;
  --ease-out:cubic-bezier(.22,1,.36,1);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--cloud);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:1200px;margin:0 auto;padding:0 28px}
::selection{background:var(--gold);color:var(--navy-900)}
body::after{content:"";position:fixed;inset:-50%;z-index:999;pointer-events:none;opacity:.04;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='300' height='300'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='300' height='300' filter='url(%23n)'/%3E%3C/svg%3E");
  animation:grain 8s steps(10) infinite}
@keyframes grain{0%,100%{transform:translate(0,0)}10%{transform:translate(-5%,-8%)}30%{transform:translate(3%,-12%)}50%{transform:translate(8%,4%)}70%{transform:translate(-7%,6%)}90%{transform:translate(4%,8%)}}
#glow{position:fixed;width:520px;height:520px;border-radius:50%;pointer-events:none;z-index:1;background:radial-gradient(circle, rgba(95,168,245,.10) 0%, rgba(95,168,245,0) 60%);transform:translate(-50%,-50%);opacity:0}
@media(hover:hover){#glow{opacity:1}}

/* nav */
header{position:fixed;top:0;left:0;right:0;z-index:90;transition:background .4s,box-shadow .4s,backdrop-filter .4s}
header.solid{background:rgba(8,26,51,.85);backdrop-filter:blur(14px);box-shadow:0 1px 0 rgba(255,255,255,.07)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;max-width:1320px;margin:0 auto;padding:0 28px}
.logo{font-weight:800;font-size:26px;color:var(--white);letter-spacing:-.02em}
.logo sup{color:var(--gold);font-size:.62em}
.nav-links{display:flex;gap:32px;align-items:center}
.nav-links a{color:rgba(255,255,255,.78);font-size:14px;font-weight:600;position:relative;padding:4px 0}
.nav-links a:not(.btn)::after{content:"";position:absolute;left:0;bottom:0;width:100%;height:1.5px;background:var(--gold);transform:scaleX(0);transform-origin:right;transition:transform .35s var(--ease-out)}
.nav-links a:not(.btn):hover{color:#fff}
.nav-links a:not(.btn):hover::after{transform:scaleX(1);transform-origin:left}
@media(max-width:900px){.nav-links a:not(.btn){display:none}}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;background:var(--gold);color:var(--navy-900);font-weight:700;font-size:15.5px;padding:17px 34px;border-radius:60px;border:none;cursor:pointer;position:relative;overflow:hidden;transition:box-shadow .3s;will-change:transform}
.btn .arr{transition:transform .35s var(--ease-out)}
.btn:hover .arr{transform:translateX(5px)}
.btn::before{content:"";position:absolute;inset:0;background:var(--gold-soft);border-radius:60px;transform:scaleX(0);transform-origin:left;transition:transform .45s var(--ease-out);z-index:-1}
.btn:hover::before{transform:scaleX(1)}
.btn:hover{box-shadow:0 14px 40px rgba(242,177,56,.35)}
.btn.btn-nav{padding:11px 24px;font-size:13.5px}
.btn.btn-line{background:transparent;border:2px solid var(--navy-800);color:var(--navy-800)}
.btn.btn-line::before{background:var(--navy-800)}
.btn.btn-line:hover{color:#fff;box-shadow:0 14px 40px rgba(12,36,71,.25)}
.link-ghost{color:var(--ink);font-weight:600;font-size:15px;border-bottom:1.5px solid rgba(46,66,88,.35);padding-bottom:3px;transition:color .3s,border-color .3s}
.link-ghost:hover{color:var(--navy-800);border-color:var(--gold)}

/* type */
.sec-label{display:inline-flex;align-items:center;gap:12px;font-size:12.5px;font-weight:700;letter-spacing:.24em;text-transform:uppercase;color:var(--sky);margin-bottom:22px}
.sec-label::before{content:"";width:36px;height:1.5px;background:var(--sky)}
h1.page-h,h2.sec-h{font-family:var(--serif);font-weight:600;letter-spacing:-.01em;color:var(--navy-800)}
h1.page-h{font-size:clamp(40px,5.6vw,76px);line-height:1.04}
h2.sec-h{font-size:clamp(34px,4.2vw,56px);line-height:1.06}
h1.page-h em,h2.sec-h em{font-style:italic;color:var(--gold)}
.lede{font-size:clamp(17px,1.5vw,19.5px);max-width:640px;margin-top:22px}
.reveal{opacity:0;transform:translateY(46px)}

/* page hero (tools/advisors) */
.page-hero{background:var(--navy-900);color:#fff;padding:170px 0 90px;position:relative;overflow:hidden}
.page-hero h1.page-h{color:#fff}
.page-hero .lede{color:var(--mist)}
.page-hero .sec-label{color:var(--gold)}
.page-hero .sec-label::before{background:var(--gold)}
.aurora{position:absolute;inset:0;overflow:hidden;filter:blur(70px);opacity:.45;pointer-events:none}
.aurora span{position:absolute;border-radius:50%}
.aurora .a1{width:48vw;height:48vw;background:#15498F;top:-22%;left:-10%;animation:drift1 22s ease-in-out infinite alternate}
.aurora .a2{width:36vw;height:36vw;background:#0E6FBF;bottom:-30%;right:-6%;animation:drift2 26s ease-in-out infinite alternate}
.aurora .a3{width:20vw;height:20vw;background:rgba(242,177,56,.6);top:40%;left:62%;animation:drift3 19s ease-in-out infinite alternate}
@keyframes drift1{to{transform:translate(8vw,7vh) scale(1.12)}}
@keyframes drift2{to{transform:translate(-7vw,-5vh) scale(1.08)}}
@keyframes drift3{to{transform:translate(-9vw,5vh) scale(1.2)}}

/* forms */
.fieldp{margin-bottom:18px}
label{display:block;font-size:12.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:8px;color:var(--navy-800)}
input,select,textarea{width:100%;padding:15px 17px;font-size:15.5px;font-family:var(--sans);border:1.5px solid #D5E3F1;border-radius:14px;background:#fff;color:var(--ink);transition:border-color .3s,box-shadow .3s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--sky);box-shadow:0 0 0 4px rgba(95,168,245,.15)}
input[type=range]{padding:0;border:none;box-shadow:none;accent-color:var(--gold);height:34px;background:transparent}
.range-row{display:flex;align-items:center;gap:16px}
.range-val{min-width:110px;text-align:right;font-weight:700;color:var(--navy-800);font-variant-numeric:tabular-nums}
.check-row{display:flex;gap:12px;align-items:flex-start;margin:14px 0;font-size:14.5px}
.check-row input{width:20px;height:20px;margin-top:3px;accent-color:var(--navy-800);flex:none}
.form-note{font-size:13.5px;color:#6E87A3;margin-top:10px}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:640px){.two-col{grid-template-columns:1fr}}

/* tool layout */
.tool{padding:90px 0 130px}
.tool-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:54px;align-items:start}
@media(max-width:960px){.tool-grid{grid-template-columns:1fr}}
.tool-card{background:#fff;border-radius:26px;padding:46px 44px;box-shadow:0 14px 50px rgba(12,36,71,.09)}
@media(max-width:640px){.tool-card{padding:32px 24px}}
.result-card{background:var(--navy-800);border-radius:26px;padding:46px 44px;color:#fff;position:sticky;top:104px;overflow:hidden}
.result-card h3{font-family:var(--serif);font-size:30px;font-weight:600;line-height:1.15}
.result-card .sec-label{color:var(--gold)}
.result-card .sec-label::before{background:var(--gold)}
.big-num{font-family:var(--serif);font-weight:600;font-size:clamp(44px,4.6vw,68px);line-height:1;margin:18px 0 6px;font-variant-numeric:tabular-nums}
.band{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:13px;letter-spacing:.12em;text-transform:uppercase;padding:9px 18px;border-radius:50px;margin-top:14px}
.band.good{background:rgba(63,166,106,.18);color:#7FD8A4;border:1px solid rgba(63,166,106,.5)}
.band.close{background:rgba(226,149,15,.16);color:#F2C879;border:1px solid rgba(226,149,15,.5)}
.band.gap{background:rgba(212,91,91,.16);color:#F0A3A3;border:1px solid rgba(212,91,91,.5)}
.result-line{display:flex;justify-content:space-between;gap:14px;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:14.5px;color:var(--mist)}
.result-line b{color:#fff;font-variant-numeric:tabular-nums;white-space:nowrap}
.gauge-wrap{margin:10px auto 6px;width:230px}
.meaning{font-size:14.5px;color:var(--mist);margin-top:18px;line-height:1.7}

/* question chooser chips */
.q-choose{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:38px}
@media(max-width:760px){.q-choose{grid-template-columns:1fr}}
.q-chip{border:2px solid #D5E3F1;background:#fff;border-radius:18px;padding:22px 24px;cursor:pointer;font-family:var(--sans);text-align:left;transition:border-color .3s, box-shadow .3s, transform .2s}
.q-chip:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(12,36,71,.1)}
.q-chip.on{border-color:var(--gold);box-shadow:0 12px 30px rgba(242,177,56,.18)}
.q-chip .q{font-family:var(--serif);font-style:italic;font-size:21px;color:var(--navy-800);line-height:1.25}
.q-chip .s{font-size:13.5px;color:#6E87A3;margin-top:6px;display:block}

/* mortgage compare */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:26px 0 6px}
@media(max-width:700px){.compare{grid-template-columns:1fr}}
.cmp-card{border-radius:18px;padding:24px;font-size:14px;line-height:1.65}
.cmp-card h5{font-size:15px;margin-bottom:10px}
.cmp-card ul{list-style:none}
.cmp-card li{padding-left:22px;position:relative;margin-bottom:7px}
.cmp-card.lender{background:#F6EFEA;border:1.5px solid #E8D9CC;color:#6B5847}
.cmp-card.lender h5{color:#8A6D52}
.cmp-card.lender li::before{content:"–";position:absolute;left:4px;font-weight:800}
.cmp-card.term{background:#EAF4FE;border:1.5px solid #C9E2FA;color:#2E4258}
.cmp-card.term h5{color:var(--navy-800)}
.cmp-card.term li::before{content:"+";position:absolute;left:4px;font-weight:800;color:var(--sky)}

/* consent */
.consent{background:var(--cloud);border:1.5px solid #DCE9F6;border-radius:20px;padding:30px 30px 24px;margin-top:34px}
.consent h4{font-size:16px;color:var(--navy-800);margin-bottom:10px;display:flex;align-items:center;gap:10px}
.consent h4 .dot{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 10px rgba(63,166,106,.8);flex:none}
.consent p{font-size:14.5px;line-height:1.7;margin-bottom:12px}
.consent .human{background:#fff;border-radius:14px;padding:16px 18px;font-size:13.5px;line-height:1.7;color:var(--ink);border-left:3px solid var(--gold);margin:16px 0}
.advisor-tag{display:flex;align-items:center;gap:14px;background:#fff;border-radius:14px;padding:14px 16px;margin:14px 0}
.advisor-tag img{width:52px;height:52px;border-radius:50%;object-fit:cover}
.advisor-tag .t{font-size:14px;line-height:1.5}
.advisor-tag b{color:var(--navy-800)}

/* success */
.success{display:none;text-align:center;padding:30px 10px}
.success.show{display:block}
.success .tick{width:84px;height:84px;margin:0 auto 22px}
.success h3{font-family:var(--serif);font-size:34px;color:var(--navy-800);margin-bottom:14px}
.success p{max-width:480px;margin:0 auto 10px;font-size:15.5px}

/* footer */
footer{background:var(--navy-900);color:var(--mist);padding:90px 0 46px;font-size:14.5px;position:relative;overflow:hidden}
.foot-mark{font-weight:800;font-size:clamp(110px,20vw,300px);line-height:.8;color:rgba(95,168,245,.06);position:absolute;right:-20px;bottom:-40px;letter-spacing:-.04em;pointer-events:none}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:46px;position:relative;z-index:2}
footer h4{color:#fff;font-size:12px;letter-spacing:.2em;text-transform:uppercase;margin-bottom:18px}
footer a:hover{color:var(--gold)}
footer ul{list-style:none}
footer li{margin-bottom:10px}
.foot-tag{font-family:var(--serif);font-size:24px;color:#fff;margin:12px 0 16px}
.foot-tag em{font-style:italic;color:var(--gold)}
.foot-legal{border-top:1px solid rgba(255,255,255,.1);margin-top:64px;padding-top:28px;font-size:12.5px;color:#6E87A3;line-height:1.8;position:relative;z-index:2}
@media(max-width:880px){.foot-grid{grid-template-columns:1fr 1fr}}

/* advisor profile */
.profile-hero{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:center}
@media(max-width:880px){.profile-hero{grid-template-columns:1fr}}
/* full story, continues the hero's dark theme so the page reads as one piece */
.profile-bio{background:var(--navy-900);padding:4px 0 104px;position:relative}
.profile-bio .bio-wrap{max-width:768px;margin:0 auto;padding:0 28px}
.profile-bio .sec-label{color:var(--gold);margin-bottom:16px}
.profile-bio p{font-size:17.5px;line-height:1.78;color:#C7D5E8;margin:0 0 20px}
.profile-bio p:last-child{margin-bottom:0}
@media(max-width:880px){.profile-bio{padding:0 0 76px}}
.profile-photo{border-radius:28px;overflow:hidden;box-shadow:0 30px 80px rgba(0,0,0,.45);position:relative}
.profile-photo img{width:100%;aspect-ratio:3/3.4;object-fit:cover}
.lic-pill{display:inline-flex;align-items:center;gap:8px;background:rgba(95,168,245,.15);border:1px solid rgba(95,168,245,.4);color:#BBD9F8;font-size:13px;font-weight:600;padding:8px 16px;border-radius:50px;margin-top:18px}
.tool-links{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:34px}
@media(max-width:640px){.tool-links{grid-template-columns:1fr}}
.tool-link{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:24px;transition:background .3s,border-color .3s,transform .25s;display:block}
.tool-link:hover{background:rgba(255,255,255,.1);border-color:var(--gold);transform:translateY(-3px)}
.tool-link .q{font-family:var(--serif);font-style:italic;font-size:20px;color:#fff;line-height:1.25}
.tool-link .s{font-size:13px;color:var(--mist);margin-top:8px;display:block}

@media (prefers-reduced-motion: reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}

/* ===== article (insights/*) ===== */
.article{background:#fff}
.article-hero{background:var(--navy-900);color:#fff;padding:160px 0 70px;position:relative;overflow:hidden}
.article-hero .wrap{position:relative;z-index:2;max-width:820px}
.article-hero .tag{display:inline-block;font-size:11.5px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--navy-900);background:var(--gold);padding:7px 14px;border-radius:50px;margin-bottom:22px}
.article-hero h1{font-family:var(--serif);font-weight:600;font-size:clamp(34px,5vw,62px);line-height:1.05;color:#fff;letter-spacing:-.01em}
.article-hero .byline{display:flex;align-items:center;gap:14px;margin-top:30px;color:var(--mist);font-size:14px}
.article-hero .byline img{width:46px;height:46px;border-radius:50%;object-fit:cover}
.article-body{max-width:720px;margin:0 auto;padding:70px 28px 40px;font-size:18px;line-height:1.78;color:#26384C}
.article-body p{margin-bottom:24px}
.article-body h2{font-family:var(--serif);font-weight:600;font-size:clamp(26px,3vw,36px);color:var(--navy-800);margin:50px 0 18px;line-height:1.15}
.article-body h3{font-size:20px;font-weight:700;color:var(--navy-800);margin:36px 0 12px}
.article-body strong{color:var(--navy-800)}
.article-body ul{margin:0 0 24px 0;padding-left:0;list-style:none}
.article-body li{position:relative;padding-left:30px;margin-bottom:14px}
.article-body li::before{content:"";position:absolute;left:4px;top:11px;width:9px;height:9px;border-radius:50%;background:var(--gold)}
.article-body .lead{font-size:21px;line-height:1.7;color:var(--ink)}
.pull{font-family:var(--serif);font-style:italic;font-size:clamp(24px,3vw,34px);line-height:1.3;color:var(--navy-800);border-left:4px solid var(--gold);padding:6px 0 6px 28px;margin:42px 0}
.callout{background:var(--cloud);border:1.5px solid #DCE9F6;border-radius:20px;padding:32px 34px;margin:42px 0}
.callout h3{margin-top:0}
.tool-cta{background:var(--navy-800);border-radius:24px;padding:46px 44px;color:#fff;margin:54px 0 10px;text-align:center}
.tool-cta h3{font-family:var(--serif);font-size:30px;font-weight:600;color:#fff;margin-bottom:12px}
.tool-cta p{color:var(--mist);max-width:480px;margin:0 auto 26px;font-size:15.5px}
.article-foot{max-width:720px;margin:10px auto 0;padding:30px 28px 0;border-top:1px solid #E4EEF8;font-size:14px;color:#6E87A3}
.disclaimer{max-width:720px;margin:30px auto 90px;padding:0 28px;font-size:13px;color:#8FA1B5;line-height:1.7}
.back-link{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:14px;color:var(--blue);margin-bottom:10px}

/* ===== article diagrams (org charts etc.) ===== */
.figure{margin:46px 0}
.figure figcaption{font-size:13px;color:#6E87A3;margin-top:14px;text-align:center;line-height:1.6}
.chart-2up{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:stretch}
@media(max-width:680px){.chart-2up{grid-template-columns:1fr}}
.chart-panel{background:var(--cloud);border:1.5px solid #DCE9F6;border-radius:18px;padding:20px 18px 16px}
.chart-panel .ch-label{font-size:11.5px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;text-align:center;margin-bottom:8px}
.chart-panel.before .ch-label{color:#C2772E}
.chart-panel.after .ch-label{color:var(--green)}
.chart-panel svg{width:100%;height:auto;display:block}
.savings-band{margin:8px 0 0;background:var(--navy-800);color:#fff;border-radius:16px;padding:22px 26px;display:flex;align-items:center;gap:18px;justify-content:center;text-align:center;flex-wrap:wrap}
.savings-band .num{font-family:var(--serif);font-weight:600;font-size:clamp(30px,4vw,46px);color:var(--gold);line-height:1}
.savings-band .lab{font-size:15px;color:var(--mist);max-width:420px;text-align:left}
@media(max-width:560px){.savings-band .lab{text-align:center}}

.logo.lockup{display:flex;align-items:center;gap:11px}
.logo .logo-img,.logo-img{height:42px;width:auto;display:block;filter:drop-shadow(0 2px 6px rgba(0,0,0,.4))}
.logo-words{font-size:11px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:#fff;line-height:1.18;opacity:.93}