/* =============================================
   DownsizePlan.ca — Static Site Stylesheet
   Senior-friendly: 18px base, high contrast,
   44px+ touch targets, clear focus states.
   ============================================= */

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: 'Open Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen, sans-serif;
  font-size: 18px;
  line-height: 1.7;
  color: #2B2B2B;
  background: #FAF8F5;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; height: auto; display: block; }
a { color: #2558A8; text-decoration: underline; text-underline-offset: 3px; }
a:hover { color: #1B2A4A; }
a:focus-visible, button:focus-visible, summary:focus-visible {
  outline: 3px solid #C8973E;
  outline-offset: 3px;
  border-radius: 4px;
}

h1, h2, h3, h4, h5, h6 {
  font-family: 'Merriweather', Georgia, 'Times New Roman', serif;
  font-weight: 700;
  line-height: 1.25;
  color: #1B2A4A;
  margin: 0 0 0.6em;
}
h1 { font-size: clamp(2rem, 4vw + 1rem, 3.25rem); }
h2 { font-size: clamp(1.6rem, 2vw + 1rem, 2.25rem); }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.1rem; }
p { margin: 0 0 1.1em; }
strong { font-weight: 700; color: #1B2A4A; }
ul, ol { padding-left: 1.25rem; margin: 0 0 1.1em; }
li { margin-bottom: 0.4em; }

/* ---------- Layout ---------- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 1.25rem; }
.container.narrow { max-width: 840px; }
.section { padding: clamp(3rem, 6vw, 5rem) 0; }
.section-title { text-align: left; margin-bottom: 1.25rem; }
.section-title.center { text-align: center; }
.section-sub { font-size: 1.15rem; color: #555; margin-top: -0.5em; margin-bottom: 1.5em; }
.section-sub.center { text-align: center; }

/* Alternating backgrounds */
.section:nth-of-type(even) { background: #ffffff; }
.section.section-cards,
.section.section-accordion,
.section.section-timeline { background: #ffffff; }
.section.section-table { background: #F4EFE6; }
.section.section-light { background: #ffffff; }
.section.section-cream { background: #F4EFE6; }

/* ---------- Skip Link ---------- */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: #C8973E;
  color: #1B2A4A;
  padding: 0.75rem 1rem;
  font-weight: 700;
  z-index: 10000;
}
.skip-link:focus { left: 0; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: #ffffff;
  border-bottom: 1px solid #E5DFD3;
  box-shadow: 0 2px 8px rgba(27, 42, 74, 0.05);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 80px;
  gap: 1.5rem;
}
.brand {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  text-decoration: none;
  color: #1B2A4A;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.4rem;
  flex-shrink: 0;
}
.brand-mark { display: flex; }
.brand-text strong { font-weight: 900; }
.brand-dot { color: #C8973E; font-weight: 700; }

.primary-nav { flex: 1; }
.nav-list {
  list-style: none;
  display: flex;
  gap: 0.25rem;
  justify-content: flex-end;
  align-items: center;
  margin: 0;
  padding: 0;
  flex-wrap: wrap;
}
.nav-item { position: relative; margin: 0; }
.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.75rem 0.9rem;
  font-size: 1rem;
  font-weight: 600;
  color: #1B2A4A;
  text-decoration: none;
  background: transparent;
  border: none;
  border-radius: 6px;
  cursor: pointer;
  min-height: 48px;
  font-family: inherit;
}
.nav-link:hover,
.nav-link.is-active,
.nav-item.is-active > .nav-link { background: #F4EFE6; color: #1B2A4A; }
.nav-link.nav-cta {
  background: #C8973E;
  color: #1B2A4A;
  font-weight: 700;
  padding: 0.75rem 1.25rem;
  margin-left: 0.5rem;
}
.nav-link.nav-cta:hover { background: #b0832e; }
.caret { font-size: 0.75em; margin-top: 2px; }

.dropdown-menu {
  list-style: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 260px;
  background: #ffffff;
  border: 1px solid #E5DFD3;
  border-top: 3px solid #C8973E;
  border-radius: 0 0 8px 8px;
  box-shadow: 0 8px 24px rgba(27, 42, 74, 0.15);
  padding: 0.5rem 0;
  margin: 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-4px);
  transition: opacity 0.15s ease, transform 0.15s ease, visibility 0.15s;
}
.has-dropdown.is-open > .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown-menu li { margin: 0; }
.dropdown-link {
  display: block;
  padding: 0.75rem 1.25rem;
  color: #1B2A4A;
  text-decoration: none;
  font-weight: 500;
  min-height: 44px;
}
.dropdown-link:hover,
.dropdown-link.is-active { background: #F4EFE6; color: #1B2A4A; }

.nav-toggle {
  display: none;
  background: transparent;
  border: 2px solid #1B2A4A;
  border-radius: 6px;
  padding: 0.6rem;
  cursor: pointer;
  min-width: 48px;
  min-height: 48px;
}
.nav-toggle span {
  display: block;
  width: 26px;
  height: 3px;
  background: #1B2A4A;
  margin: 5px 0;
  border-radius: 2px;
}

/* ---------- Hero ---------- */
.hero {
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  color: #ffffff;
  padding: clamp(4rem, 10vw, 7rem) 0;
  min-height: 60vh;
  display: flex;
  align-items: center;
}
.hero-content { text-align: left; max-width: 780px; }
.page-home .hero .hero-content { max-width: 1200px; }
.hero h1 { color: #ffffff; margin-bottom: 1rem; text-shadow: 0 2px 14px rgba(0,0,0,0.35); }
.hero-sub { font-size: clamp(1.1rem, 1.3vw + 0.8rem, 1.4rem); color: #F4EFE6; margin-bottom: 2rem; text-shadow: 0 1px 8px rgba(0,0,0,0.4); }
.eyebrow {
  display: inline-block;
  background: rgba(200, 151, 62, 0.9);
  color: #1B2A4A;
  padding: 0.4rem 1rem;
  border-radius: 4px;
  font-weight: 700;
  font-size: 0.9rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 1.2rem;
}
.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; }

/* Compact hero for sub-pages */
.hero.hero-sm { min-height: 40vh; padding: 4rem 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.85rem 1.6rem;
  font-size: 1rem;
  font-weight: 700;
  font-family: inherit;
  text-decoration: none;
  border-radius: 6px;
  border: 2px solid transparent;
  cursor: pointer;
  min-height: 48px;
  line-height: 1.3;
  transition: transform 0.1s ease, background 0.15s ease, box-shadow 0.15s ease;
  text-align: center;
}
.btn:hover { transform: translateY(-1px); box-shadow: 0 6px 16px rgba(27,42,74,0.2); }
.btn:active { transform: translateY(0); }
.btn-lg { padding: 1rem 2rem; font-size: 1.1rem; min-height: 56px; }
.btn-sm { padding: 0.55rem 1.1rem; font-size: 0.9rem; min-height: 40px; }
.btn-gold { background: #C8973E; color: #1B2A4A; }
.btn-gold:hover { background: #b0832e; color: #1B2A4A; }
.btn-navy { background: #1B2A4A; color: #ffffff; }
.btn-navy:hover { background: #0F1A30; color: #ffffff; }
.btn-outline-light { background: transparent; color: #ffffff; border-color: #ffffff; }
.btn-outline-light:hover { background: #ffffff; color: #1B2A4A; }
.btn-outline-navy { background: transparent; color: #1B2A4A; border-color: #1B2A4A; }
.btn-outline-navy:hover { background: #1B2A4A; color: #ffffff; }

/* ---------- Breadcrumbs ---------- */
.breadcrumbs {
  padding: 1rem 1.25rem 0;
  margin-top: 0;
}
.breadcrumbs ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  font-size: 0.95rem;
  color: #555;
}
.breadcrumbs a { color: #3B5998; }
.breadcrumbs .sep { color: #888; }
.breadcrumbs li[aria-current] { color: #1B2A4A; font-weight: 600; }

/* ---------- Stats ---------- */
.stats-strip {
  background: #1B2A4A;
  color: #ffffff;
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.stats-strip h2, .stats-strip .stats-label {
  color: #ffffff;
  text-align: center;
  margin-bottom: 2rem;
  font-size: 1.4rem;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 2rem;
  text-align: center;
}
.stat-num {
  font-family: 'Merriweather', Georgia, serif;
  font-size: clamp(2.25rem, 3vw + 1rem, 3.25rem);
  font-weight: 900;
  color: #C8973E;
  line-height: 1;
  margin-bottom: 0.5rem;
}
.stat-lbl { color: #F4EFE6; font-size: 1rem; line-height: 1.5; }

/* ---------- Split Image Sections ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}
.split-image img {
  width: 100%;
  height: auto;
  border-radius: 10px;
  box-shadow: 0 12px 28px rgba(27,42,74,0.15);
  object-fit: cover;
}
.split-text h2 { margin-top: 0; }

/* ---------- Cards ---------- */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.75rem;
  margin-top: 2rem;
}
.card {
  background: #ffffff;
  border-radius: 10px;
  overflow: hidden;
  border: 1px solid #E5DFD3;
  box-shadow: 0 2px 12px rgba(27,42,74,0.06);
  display: flex;
  flex-direction: column;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: 0 12px 30px rgba(27,42,74,0.12); }
.card-img { height: 220px; overflow: hidden; }
.card-img img { width: 100%; height: 100%; object-fit: cover; }
.card-body { padding: 1.75rem; flex: 1; display: flex; flex-direction: column; }
.card-icon { font-size: 2.4rem; line-height: 1; margin-bottom: 0.75rem; }
.card h3 { color: #1B2A4A; margin-top: 0; margin-bottom: 0.5rem; }
.card p { color: #444; margin-bottom: 1rem; }
.card-link {
  margin-top: auto;
  font-weight: 700;
  color: #3B5998;
  text-decoration: none;
}
.card-link:hover { text-decoration: underline; }

/* ---------- Accordion ---------- */
.accordion { margin-top: 1.5rem; }
.accordion-item {
  background: #FAF8F5;
  border: 1px solid #E5DFD3;
  border-radius: 8px;
  margin-bottom: 0.75rem;
  overflow: hidden;
}
.accordion-item[open] { background: #ffffff; border-color: #C8973E; }
.accordion-item summary {
  list-style: none;
  cursor: pointer;
  padding: 1.1rem 1.35rem;
  font-weight: 700;
  font-size: 1.1rem;
  color: #1B2A4A;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  min-height: 56px;
}
.accordion-item summary::-webkit-details-marker { display: none; }
.accordion-item .chev {
  font-size: 1.5rem;
  color: #C8973E;
  transition: transform 0.15s ease;
  flex-shrink: 0;
}
.accordion-item[open] .chev { transform: rotate(45deg); }
.accordion-body {
  padding: 0 1.35rem 1.35rem;
  color: #333;
}
.accordion-body h4 { margin-top: 1.25rem; }
.accordion-body ul, .accordion-body ol { margin-left: 0.25rem; }
.accordion-body strong { color: #1B2A4A; }
.accordion-body table { width: 100%; border-collapse: collapse; margin: 1rem 0; }
.accordion-body th, .accordion-body td {
  border: 1px solid #E5DFD3;
  padding: 0.5rem 0.75rem;
  text-align: left;
}
.accordion-body th { background: #F4EFE6; font-weight: 700; }
.accordion-body pre {
  background: #F4EFE6;
  padding: 1rem;
  border-radius: 6px;
  overflow-x: auto;
  font-size: 0.9rem;
}

/* ---------- Timeline ---------- */
.timeline {
  list-style: none;
  padding: 0;
  margin: 2rem 0 0;
  position: relative;
}
.timeline::before {
  content: '';
  position: absolute;
  left: 26px;
  top: 28px;
  bottom: 28px;
  width: 3px;
  background: #C8973E;
}
.timeline-item {
  position: relative;
  padding-left: 80px;
  padding-bottom: 2.5rem;
  margin-bottom: 0;
}
.timeline-item:last-child { padding-bottom: 0; }
.timeline-marker {
  position: absolute;
  left: 0;
  top: 0;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: #C8973E;
  color: #1B2A4A;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Merriweather', Georgia, serif;
  font-weight: 900;
  font-size: 1.5rem;
  border: 4px solid #ffffff;
  box-shadow: 0 0 0 3px #C8973E;
  z-index: 1;
}
.timeline-kicker {
  font-size: 0.85rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: #3B5998;
  margin-bottom: 0.35rem;
}
.timeline-body h3 { margin-top: 0; margin-bottom: 0.5rem; }
.timeline-tasks {
  margin-top: 1rem;
  padding-left: 1.25rem;
}
.timeline-tasks li {
  margin-bottom: 0.75rem;
  color: #333;
}

/* ---------- Callout ---------- */
.callout {
  padding: clamp(2rem, 4vw, 3.5rem) 0;
}
.callout-inner {
  display: flex;
  gap: 1.5rem;
  background: #FFF8E7;
  border-left: 6px solid #C8973E;
  border-radius: 8px;
  padding: 1.75rem 2rem;
  align-items: flex-start;
}
.callout-icon { font-size: 2.5rem; flex-shrink: 0; line-height: 1; }
.callout h3 { margin-top: 0; }

/* ---------- Testimonials ---------- */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 1.75rem;
  margin-top: 2rem;
}
.testimonial {
  background: #ffffff;
  border: 1px solid #E5DFD3;
  border-top: 4px solid #C8973E;
  border-radius: 8px;
  padding: 2rem 1.75rem;
  margin: 0;
  position: relative;
}
.quote-mark {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 4rem;
  color: #C8973E;
  line-height: 0.6;
  position: absolute;
  top: 1.5rem;
  right: 1.5rem;
  opacity: 0.35;
}
.testimonial blockquote {
  margin: 0 0 1.25rem;
  padding: 0;
  font-size: 1.05rem;
  color: #333;
  font-style: italic;
  line-height: 1.65;
}
.testimonial figcaption {
  display: flex;
  flex-direction: column;
  font-style: normal;
  color: #555;
}
.testimonial figcaption strong { color: #1B2A4A; font-size: 1rem; }
.testimonial figcaption span { font-size: 0.88rem; }

/* ---------- Data Tables ---------- */
.table-wrap { overflow-x: auto; margin-top: 1.5rem; }
.data-table {
  width: 100%;
  border-collapse: collapse;
  background: #ffffff;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 2px 12px rgba(27,42,74,0.06);
  min-width: 700px;
}
.data-table th {
  background: #1B2A4A;
  color: #ffffff;
  padding: 1rem;
  text-align: left;
  font-weight: 700;
  font-size: 0.95rem;
}
.data-table td {
  padding: 0.95rem 1rem;
  border-bottom: 1px solid #E5DFD3;
  vertical-align: top;
}
.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: #FAF8F5; }

/* ---------- Bottom CTA ---------- */
.bottom-cta {
  background: #1B2A4A;
  background-size: cover;
  background-position: center;
  color: #ffffff;
  padding: clamp(3rem, 6vw, 5rem) 0;
  text-align: center;
}
.bottom-cta h2 { color: #ffffff; }
.bottom-cta p { color: #F4EFE6; font-size: 1.15rem; max-width: 700px; margin: 0 auto 1.75rem; }

/* ---------- Footer ---------- */
.site-footer {
  background: #0F1A30;
  color: #C9CED6;
  padding-top: clamp(3rem, 5vw, 4rem);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.1fr;
  gap: 2.5rem;
  padding-bottom: 2rem;
}
.footer-col h4 {
  color: #ffffff;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.1rem;
  margin-bottom: 1rem;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col ul li { margin-bottom: 0.5rem; }
.footer-col a { color: #C9CED6; text-decoration: none; }
.footer-col a:hover { color: #C8973E; text-decoration: underline; }
.footer-brand {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.25rem;
  color: #ffffff;
  margin-bottom: 0.75rem;
}
.footer-brand strong { color: #ffffff; }
.footer-about p { color: #C9CED6; font-size: 0.95rem; }
.footer-credentials .badge {
  display: inline-block;
  background: rgba(200,151,62,0.15);
  color: #C8973E;
  padding: 0.25rem 0.65rem;
  border-radius: 4px;
  font-size: 0.8rem;
  font-weight: 700;
  margin-right: 0.4rem;
  border: 1px solid rgba(200,151,62,0.3);
}
.footer-col address {
  font-style: normal;
  line-height: 1.75;
  color: #C9CED6;
  margin-bottom: 0.75rem;
}
.footer-hours { font-size: 0.9rem; color: #8B94A3; margin-bottom: 1rem; }
.footer-bottom {
  background: #0A1220;
  padding: 1.25rem 0;
  font-size: 0.85rem;
  color: #8B94A3;
}
.footer-bottom p { margin: 0; }
.footer-bottom p + p { margin-top: 0.25rem; }

/* ---------- Back to Top ---------- */
.back-to-top {
  position: fixed;
  bottom: 1.5rem;
  right: 1.5rem;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: #C8973E;
  color: #1B2A4A;
  border: none;
  font-size: 1.5rem;
  font-weight: 700;
  cursor: pointer;
  box-shadow: 0 4px 14px rgba(27,42,74,0.25);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s ease, visibility 0.2s ease;
  z-index: 80;
}
.back-to-top.is-visible { opacity: 1; visibility: visible; }
.back-to-top:hover { background: #b0832e; }

/* ---------- Forms ---------- */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin-top: 2rem;
}
.form-field.full { grid-column: 1 / -1; }
.form-field label {
  display: block;
  font-weight: 700;
  color: #1B2A4A;
  margin-bottom: 0.4rem;
  font-size: 0.95rem;
}
.form-field .req { color: #b3261e; }
.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  padding: 0.85rem 1rem;
  font-size: 1rem;
  font-family: inherit;
  border: 2px solid #D3CBB8;
  border-radius: 6px;
  background: #ffffff;
  color: #2B2B2B;
  min-height: 48px;
}
.form-field textarea { min-height: 130px; resize: vertical; }
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  border-color: #C8973E;
  outline: 3px solid rgba(200,151,62,0.3);
  outline-offset: 0;
}
.form-note { font-size: 0.9rem; color: #666; margin-top: 1rem; }

/* ---------- Contact cards ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2rem;
}
.contact-card {
  background: #ffffff;
  border: 1px solid #E5DFD3;
  border-radius: 12px;
  padding: 2rem 1.5rem;
  text-align: center;
  box-shadow: 0 4px 16px rgba(27,42,74,0.07);
}
.contact-card h3 {
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
  color: #1B2A4A;
}
.contact-card p { margin-bottom: 0.35rem; }
.contact-card p:last-child { margin-bottom: 0; }
.contact-icon {
  font-size: 2rem;
  line-height: 1;
  margin-bottom: 0.75rem;
  display: block;
}
.contact-card .muted { font-size: 0.9rem; color: #777; line-height: 1.4; }

/* ---------- Contact / general forms ---------- */
.contact-form {
  background: #ffffff;
  border: 1px solid #E5DFD3;
  border-radius: 12px;
  padding: 2rem 2.5rem;
  box-shadow: 0 4px 20px rgba(27,42,74,0.07);
  margin-top: 2rem;
}
.form-body {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem 1.5rem;
}
.form-row {
  display: flex;
  flex-direction: column;
}
.form-row--full { grid-column: 1 / -1; }
.form-row label {
  display: block;
  font-weight: 700;
  font-size: 0.92rem;
  color: #1B2A4A;
  margin-bottom: 0.4rem;
}
.req { color: #c0392b; }
.form-row input,
.form-row select,
.form-row textarea {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: 1rem;
  font-family: inherit;
  border: 2px solid #D3CBB8;
  border-radius: 8px;
  background: #FDFCFA;
  color: #2B2B2B;
  min-height: 48px;
  transition: border-color 0.15s ease;
  appearance: none;
  -webkit-appearance: none;
}
.form-row select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%231B2A4A' stroke-width='1.8' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}
.form-row textarea { min-height: 120px; resize: vertical; }
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus {
  border-color: #C8973E;
  outline: 3px solid rgba(200,151,62,0.25);
  outline-offset: 0;
  background: #ffffff;
}
.form-row input::placeholder,
.form-row textarea::placeholder { color: #aaa; }
.form-actions {
  margin-top: 1.75rem;
  padding-top: 1.5rem;
  border-top: 1px solid #E5DFD3;
  display: flex;
  align-items: center;
  gap: 1rem;
}
.form-actions .form-note { margin-top: 0; }
.form-success {
  text-align: center;
  padding: 2.5rem 1rem;
}
.form-success h3 {
  color: #2a7d4f;
  font-size: 1.5rem;
  margin-bottom: 0.5rem;
}
.form-success p { color: #555; }

/* ---------- Calculator (interactive) ---------- */
.calc-input-wrap {
  display: flex;
  align-items: center;
  border: 2px solid #D3CBB8;
  border-radius: 8px;
  background: #FDFCFA;
  overflow: hidden;
  transition: border-color 0.15s ease;
}
.calc-input-wrap:focus-within {
  border-color: #C8973E;
  outline: 3px solid rgba(200,151,62,0.25);
}
.calc-prefix,
.calc-suffix {
  padding: 0.75rem 0.85rem;
  font-weight: 700;
  color: #888;
  font-size: 1rem;
  background: #F4EFE6;
  line-height: 1;
  user-select: none;
}
.calc-input-wrap input {
  flex: 1;
  border: none;
  outline: none;
  padding: 0.75rem 0.85rem;
  font-size: 1rem;
  font-family: inherit;
  background: transparent;
  color: #2B2B2B;
  min-height: 48px;
  min-width: 0;
}
.calc-input-wrap input::-webkit-inner-spin-button,
.calc-input-wrap input::-webkit-outer-spin-button { opacity: 0.4; }

.calc-results {
  margin-top: 1.5rem;
  background: #1B2A4A;
  border-radius: 12px;
  padding: 2rem;
  color: #ffffff;
}
.calc-results h3 { color: #ffffff; margin-bottom: 1.25rem; }
.calc-results-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.calc-result-item {
  background: rgba(255,255,255,0.07);
  border-radius: 8px;
  padding: 1rem 1.25rem;
}
.calc-result-item--highlight {
  background: rgba(200,151,62,0.18);
  border: 1px solid rgba(200,151,62,0.4);
}
.calc-result-label {
  display: block;
  font-size: 0.85rem;
  color: #C9CED6;
  margin-bottom: 0.35rem;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.calc-result-value {
  display: block;
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: #ffffff;
}
.calc-result-item--highlight .calc-result-value { color: #C8973E; }
.calc-disclaimer {
  margin-top: 1.25rem;
  margin-bottom: 0;
  font-size: 0.85rem;
  color: #C9CED6;
  line-height: 1.5;
}
.calc-disclaimer a { color: #C8973E; }

/* ---------- Calculator (legacy) ---------- */
.calculator {
  background: #ffffff;
  border: 2px solid #E5DFD3;
  border-radius: 12px;
  padding: 2rem;
  margin: 2rem 0;
  box-shadow: 0 8px 24px rgba(27,42,74,0.08);
}
.calc-input {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 1rem;
  align-items: center;
  margin-bottom: 1.25rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px dashed #E5DFD3;
}
.calc-input:last-of-type { border-bottom: none; }
.calc-input label {
  font-weight: 700;
  color: #1B2A4A;
  font-size: 1rem;
}
.calc-input small { color: #666; font-weight: 400; display: block; }
.calc-input input {
  width: 180px;
  padding: 0.75rem 1rem;
  font-size: 1.15rem;
  font-weight: 700;
  border: 2px solid #D3CBB8;
  border-radius: 6px;
  text-align: right;
  font-family: inherit;
}
.calc-input input:focus { border-color: #C8973E; outline: 3px solid rgba(200,151,62,0.3); }
.calc-result {
  background: #1B2A4A;
  color: #ffffff;
  padding: 1.75rem;
  border-radius: 8px;
  margin-top: 1.5rem;
  text-align: center;
}
.calc-result h3 { color: #ffffff; margin: 0 0 0.5rem; }
.calc-result .big {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 2.75rem;
  color: #C8973E;
  font-weight: 900;
  display: block;
  margin: 0.5rem 0;
}
.calc-result p { color: #F4EFE6; font-size: 1rem; margin: 0.5rem 0 0; }
.calc-breakdown {
  list-style: none;
  padding: 0;
  margin: 1rem 0 0;
  display: grid;
  gap: 0.5rem;
}
.calc-breakdown li {
  display: flex;
  justify-content: space-between;
  padding: 0.5rem 0.75rem;
  background: rgba(255,255,255,0.08);
  border-radius: 4px;
  color: #F4EFE6;
}
.calc-breakdown li strong { color: #ffffff; }

/* ---------- Neighborhood Card ---------- */
.hood-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
}
.hood-card {
  background: #ffffff;
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 4px 14px rgba(27,42,74,0.1);
  text-decoration: none;
  color: inherit;
  display: block;
  transition: transform 0.15s ease;
}
.hood-card:hover { transform: translateY(-4px); }
.hood-card img { width: 100%; height: 200px; object-fit: cover; }
.hood-card-body { padding: 1.25rem 1.5rem 1.5rem; }
.hood-card h3 { color: #1B2A4A; margin-bottom: 0.5rem; }

/* ---------- Blog ---------- */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}
.blog-card {
  background: #ffffff;
  border-radius: 10px;
  overflow: hidden;
  border: 1px solid #E5DFD3;
  box-shadow: 0 2px 12px rgba(27,42,74,0.06);
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.blog-card:hover { transform: translateY(-3px); box-shadow: 0 12px 30px rgba(27,42,74,0.12); }
.blog-card-img { height: 200px; overflow: hidden; }
.blog-card-img img { width: 100%; height: 100%; object-fit: cover; }
.blog-card-body { padding: 1.5rem 1.75rem 1.75rem; flex: 1; }
.blog-meta {
  font-size: 0.85rem;
  color: #666;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.75rem;
  font-weight: 600;
}
.blog-card h3 { color: #1B2A4A; margin: 0 0 0.75rem; font-size: 1.3rem; }
.blog-card p { color: #444; margin: 0; }

.blog-article {
  background: #ffffff;
  padding: clamp(2rem, 5vw, 4rem) 0;
}
.blog-article .container.narrow { max-width: 760px; }
.blog-article h1 { margin-bottom: 0.5rem; }
.blog-article .blog-meta { margin-bottom: 2rem; }
.blog-article h2 { margin-top: 2.5rem; margin-bottom: 1rem; }
.blog-article h3 { margin-top: 2rem; }
.blog-article p { font-size: 1.1rem; line-height: 1.8; }
.blog-article ul, .blog-article ol { font-size: 1.05rem; line-height: 1.75; }
.blog-article strong { color: #1B2A4A; }

/* ---------- Team ---------- */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}
.team-member {
  text-align: center;
  background: #ffffff;
  border-radius: 10px;
  padding: 2rem 1.5rem;
  border: 1px solid #E5DFD3;
}
.team-avatar {
  width: 150px;
  height: 150px;
  border-radius: 50%;
  object-fit: cover;
  margin: 0 auto 1.25rem;
  border: 5px solid #C8973E;
}
.team-member h3 { margin-bottom: 0.25rem; }
.team-role { color: #3B5998; font-weight: 700; margin-bottom: 0.75rem; display: block; font-size: 0.9rem; text-transform: uppercase; letter-spacing: 0.05em; }
.team-member p { color: #555; font-size: 0.95rem; }

/* Credential blocks (about page) */
.credential-block { margin-bottom: 2rem; }
.credential-block h3 {
  font-family: 'Merriweather', Georgia, serif;
  font-size: 1.15rem;
  color: #C8973E;
  margin-bottom: 0.5rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.credential-block p { max-width: 40em; }
.team-creds {
  display: flex;
  gap: 0.4rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 1rem;
}
.team-creds .badge {
  background: #F4EFE6;
  color: #1B2A4A;
  padding: 0.25rem 0.6rem;
  border-radius: 4px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}

/* ---------- Utility ---------- */
.center { text-align: center; }
.mt-0 { margin-top: 0; }
.mt-2 { margin-top: 2rem; }
.mb-0 { margin-bottom: 0; }
.lead { font-size: 1.25rem; color: #444; line-height: 1.65; }

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-link { padding: 0.6rem 0.7rem; font-size: 0.95rem; }
}

@media (max-width: 900px) {
  .split { grid-template-columns: 1fr; }
  .nav-toggle { display: block; }
  .primary-nav {
    position: fixed;
    top: 80px;
    left: 0;
    right: 0;
    bottom: 0;
    background: #ffffff;
    padding: 1.5rem 1.25rem 3rem;
    overflow-y: auto;
    transform: translateX(100%);
    transition: transform 0.25s ease;
    box-shadow: -8px 0 24px rgba(27,42,74,0.15);
  }
  .primary-nav.is-open { transform: translateX(0); }
  .nav-list { flex-direction: column; align-items: stretch; gap: 0.25rem; }
  .nav-item { width: 100%; }
  .nav-link {
    width: 100%;
    justify-content: flex-start;
    padding: 1rem;
    font-size: 1.05rem;
    border-bottom: 1px solid #F4EFE6;
    border-radius: 0;
  }
  .nav-link.nav-cta { margin: 1rem 0 0; border-radius: 6px; justify-content: center; border-bottom: none; }
  .dropdown-menu {
    position: static;
    box-shadow: none;
    border: none;
    background: #F4EFE6;
    opacity: 1;
    visibility: hidden;
    max-height: 0;
    overflow: hidden;
    transform: none;
    padding: 0;
    transition: max-height 0.2s ease, visibility 0.2s;
  }
  .has-dropdown.is-open > .dropdown-menu {
    visibility: visible;
    max-height: 800px;
    padding: 0.5rem 0;
  }
}

@media (max-width: 700px) {
  body { font-size: 17px; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .form-grid { grid-template-columns: 1fr; }
  .form-body { grid-template-columns: 1fr; }
  .form-row--full { grid-column: 1; }
  .contact-grid { grid-template-columns: 1fr; }
  .calc-results-grid { grid-template-columns: 1fr; }
  .contact-form { padding: 1.5rem 1.25rem; }
  .form-actions { flex-direction: column; align-items: flex-start; }
  .hero-actions .btn { width: 100%; }
  .calc-input { grid-template-columns: 1fr; }
  .calc-input input { width: 100%; }
  .timeline::before { left: 22px; }
  .timeline-item { padding-left: 65px; }
  .timeline-marker { width: 48px; height: 48px; font-size: 1.25rem; }
}

@media (max-width: 520px) {
  .container { padding: 0 1rem; }
  .brand-text { font-size: 1.15rem; }
  h1 { font-size: 1.85rem; }
  h2 { font-size: 1.5rem; }
  .btn-lg { padding: 0.85rem 1.5rem; font-size: 1rem; }
  .card-body { padding: 1.25rem; }
  .accordion-item summary { padding: 0.9rem 1.1rem; font-size: 1rem; }
  .accordion-body { padding: 0 1.1rem 1.1rem; }
  .callout-inner { flex-direction: column; padding: 1.25rem; }
  .testimonial { padding: 1.75rem 1.25rem; }
}

/* Print */
@media print {
  .site-header, .site-footer, .back-to-top, .bottom-cta { display: none; }
  body { background: #ffffff; font-size: 12pt; }
}