html, body { margin: 0; }
img { max-width: 100%; }
[hidden] { display: none !important; }
.calc-embed { background: var(--ink-2); margin-top: 8px; }
.calc-embed iframe { display: block; width: 100%; height: 434px; border: 0; }
.calc-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 24px; margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--rule-ink); }
.calc-cta p { color: var(--on-ink); max-width: 52ch; }
.calc-note { margin-top: 20px; font-size: .82rem; line-height: 1.6; color: var(--on-ink-muted); max-width: 90ch; }
.calc-fallback { margin-top: 14px; font-size: .88rem; color: var(--on-ink-muted); }
.calc-fallback a { color: var(--on-ink); text-decoration-color: var(--terra); text-underline-offset: 3px; }
.toc a.on { color: var(--on-paper); border-left-color: var(--terra-deep); }
.topic-page .topic { gap: 28px; }
.page-hero .answer { font-family: var(--serif); font-size: var(--step-2); line-height: 1.35; max-width: 34ch; color: var(--on-ink); }
/* Layout: a private-practice site — dark brand bands frame ivory reading bands; one serif voice, ruled indexes instead of cards, orange used only for action and emphasis. */
:root {
  color-scheme: dark;
  --ink: #0f0e0c;          /* brand black, warm */
  --ink-2: #1a1815;        /* raised dark surface */
  --paper: #f4efe7;        /* ivory reading ground */
  --paper-2: #ebe4d8;      /* ivory raised */
  --on-ink: #f4efe7;
  --on-ink-muted: #a59d91;
  --on-paper: #191714;
  --on-paper-muted: #5f584e;
  --terra: #fe904d;        /* Terra orange, from the logo */
  --terra-deep: #a8521c;   /* logo orange darkened for text on ivory */
  --rule-ink: rgba(244,239,231,.14);
  --rule-paper: rgba(25,23,20,.14);
  --serif: "Newsreader", "Iowan Old Style", "Palatino Linotype", Georgia, serif;
  --sans: "Hanken Grotesk", "Helvetica Neue", Arial, system-ui, sans-serif;
  --step--1: .8125rem; --step-0: 1rem; --step-1: 1.1875rem; --step-2: 1.5rem; --step-3: 2rem; --step-4: clamp(2.25rem, 4.6vw, 3.5rem); --step-5: clamp(2.6rem, 6.4vw, 5rem);
  --wrap: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; animation: none !important; } }
body { background: var(--ink); color: var(--on-ink); font-family: var(--sans); font-size: var(--step-0); line-height: 1.6; -webkit-font-smoothing: antialiased; }
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 10; background: var(--ink); }
a { color: inherit; }
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 400; line-height: 1.12; letter-spacing: -.01em; margin: 0; text-wrap: balance; }
p { margin: 0; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding-left: max(16px, env(safe-area-inset-left, 0px)); padding-right: max(16px, env(safe-area-inset-right, 0px)); }
@media (min-width: 720px) { .wrap { padding-left: max(40px, env(safe-area-inset-left, 0px)); padding-right: max(40px, env(safe-area-inset-right, 0px)); } }
.eyebrow { font-family: var(--sans); font-size: var(--step--1); font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--terra); }
.light .eyebrow { color: var(--terra-deep); }
.muted { color: var(--on-ink-muted); }
.light { background: var(--paper); color: var(--on-paper); }
.light .muted { color: var(--on-paper-muted); }
.band { padding-block: clamp(64px, 9vw, 120px); }
.band.tight { padding-block: clamp(48px, 6vw, 80px); }
.prose { max-width: 64ch; display: grid; gap: 1.1em; }
.prose p, .prose li { font-size: var(--step-1); line-height: 1.65; }
.light .prose p, .light .prose li { color: #2a2621; }
:focus-visible { outline: 2px solid var(--terra); outline-offset: 3px; }

/* Header */
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 20; background: rgba(15,14,12,.92); backdrop-filter: blur(10px); border-bottom: 1px solid var(--rule-ink); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 96px; padding-block: 8px; }
.brand { display: block; text-decoration: none; }
.logo { display: block; background: url("/assets/logo.svg") center / contain no-repeat; aspect-ratio: 3240 / 3168; }
.site-header .logo { height: 150px; transition: height .25s ease; }
.site-header.scrolled .logo { height: 92px; }
@media (max-width: 600px) { .site-header .logo { height: 112px; } .site-header.scrolled .logo { height: 76px; } }
.site-footer .logo { height: 150px; }
.brand .mark { font-family: var(--serif); font-size: 1.6rem; letter-spacing: -.01em; }
.brand .sub { font-size: .7rem; letter-spacing: .26em; text-transform: uppercase; color: var(--on-ink-muted); }
.brand .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--terra); display: inline-block; transform: translateY(-2px); }
.nav { display: flex; align-items: center; gap: 28px; }
.nav a { text-decoration: none; font-size: .9rem; color: var(--on-ink-muted); padding-block: 6px; border-bottom: 1px solid transparent; transition: color .2s, border-color .2s; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--on-ink); border-bottom-color: var(--terra); }
.btn { display: inline-flex; align-items: center; gap: 10px; font-family: var(--sans); font-weight: 600; font-size: .92rem; letter-spacing: .02em; text-decoration: none; padding: 14px 22px; border: 1px solid var(--terra); background: var(--terra); color: var(--ink); transition: background .2s, color .2s; cursor: pointer; }
.btn:hover { background: transparent; color: var(--on-ink); }
.light .btn:hover { color: var(--on-paper); }
.btn.ghost { background: transparent; color: var(--on-ink); border-color: var(--rule-ink); }
.btn.ghost:hover { border-color: var(--on-ink); }
.light .btn.ghost { color: var(--on-paper); border-color: var(--rule-paper); }
.light .btn.ghost:hover { border-color: var(--on-paper); }
.btn .arr { transition: transform .2s; }
.btn:hover .arr { transform: translateX(3px); }
.nav .btn { padding: 10px 16px; color: var(--ink); border-bottom: 1px solid var(--terra); }
.nav .btn:hover { color: var(--on-ink); }
.menu-toggle { display: none; background: none; border: 1px solid var(--rule-ink); color: var(--on-ink); font: 600 .85rem var(--sans); letter-spacing: .08em; text-transform: uppercase; padding: 10px 14px; cursor: pointer; }
@media (max-width: 980px) {
  .menu-toggle { display: inline-block; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--ink); border-bottom: 1px solid var(--rule-ink); flex-direction: column; align-items: stretch; gap: 0; padding: 8px max(16px, env(safe-area-inset-right, 0px)) 20px max(16px, env(safe-area-inset-left, 0px)); }
  .nav.open { display: flex; }
  .nav a { padding-block: 14px; border-bottom: 1px solid var(--rule-ink); font-size: 1rem; }
  .nav .btn { margin-top: 16px; justify-content: center; }
}

/* Hero */
.hero { padding-block: clamp(72px, 11vw, 150px) clamp(56px, 8vw, 104px); position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -10vw; top: -20%; width: 55vw; height: 140%; background: radial-gradient(closest-side, rgba(254,144,77,.12), transparent 70%); pointer-events: none; }
.hero .wrap { position: relative; z-index: 1; display: grid; gap: 28px; }
.hero h1 { font-size: var(--step-5); font-weight: 300; max-width: 17ch; }
.hero h1 em { font-style: italic; color: var(--terra); }
.hero .lede { font-size: var(--step-1); max-width: 54ch; color: var(--on-ink-muted); }
.actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.small-note { font-size: .88rem; color: var(--on-ink-muted); }
.light .small-note { color: var(--on-paper-muted); }
.hero-meta { display: flex; flex-wrap: wrap; gap: 10px 32px; padding-top: 28px; margin-top: 12px; border-top: 1px solid var(--rule-ink); font-size: .85rem; color: var(--on-ink-muted); }
.hero-meta strong { color: var(--on-ink); font-weight: 500; }

/* Page hero (inner views) */
.page-hero { padding-block: clamp(64px, 9vw, 120px) clamp(44px, 6vw, 72px); border-bottom: 1px solid var(--rule-ink); }
.page-hero .wrap { display: grid; gap: 22px; }
.page-hero h1 { font-size: var(--step-4); font-weight: 300; max-width: 22ch; }
.page-hero .lede { font-size: var(--step-1); max-width: 58ch; color: var(--on-ink-muted); }

/* Question index */
.qi-head { display: grid; gap: 14px; margin-bottom: 40px; }
.qi-head h2 { font-size: var(--step-4); font-weight: 300; }
.qindex { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--rule-paper); }
.qindex li { border-bottom: 1px solid var(--rule-paper); }
.qindex a { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr) auto; gap: 8px 40px; align-items: baseline; padding: 24px 4px; text-decoration: none; transition: background .2s, padding .2s; }
.qindex a:hover { background: var(--paper-2); padding-left: 16px; padding-right: 16px; }
.qindex .q { font-family: var(--serif); font-size: var(--step-2); line-height: 1.2; }
.qindex .a { color: var(--on-paper-muted); font-size: .98rem; }
.qindex .go { color: var(--terra-deep); font-size: 1.2rem; }
@media (max-width: 760px) { .qindex a { grid-template-columns: minmax(0,1fr) auto; } .qindex .a { grid-column: 1 / -1; grid-row: 2; } }

/* Services */
.services { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); border-top: 1px solid var(--rule-ink); }
.service { padding: 36px 32px 40px 0; display: grid; gap: 14px; align-content: start; border-right: 1px solid var(--rule-ink); }
.service + .service { padding-left: 32px; }
.service:last-child { border-right: 0; }
.service h3 { font-size: var(--step-3); font-weight: 300; }
.service p { color: var(--on-ink-muted); }
.service .link { color: var(--on-ink); text-decoration: none; font-weight: 600; font-size: .92rem; border-bottom: 1px solid var(--terra); justify-self: start; padding-bottom: 2px; }
@media (max-width: 860px) { .services { grid-template-columns: minmax(0,1fr); } .service, .service + .service { padding: 28px 0; border-right: 0; border-bottom: 1px solid var(--rule-ink); } }
.sec-head { display: grid; grid-template-columns: minmax(0,1fr) minmax(0,1fr); gap: 24px 64px; align-items: end; margin-bottom: 48px; }
.sec-head h2 { font-size: var(--step-4); font-weight: 300; }
@media (max-width: 860px) { .sec-head { grid-template-columns: minmax(0,1fr); } }

/* Figure band — the 1% difference */
.gap-figure { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.2fr); gap: 48px 72px; align-items: center; }
@media (max-width: 860px) { .gap-figure { grid-template-columns: minmax(0,1fr); } }
.gap-figure h2 { font-size: var(--step-4); font-weight: 300; }
.bars { display: grid; gap: 22px; }
.bar-row { display: grid; gap: 8px; }
.bar-label { display: flex; justify-content: space-between; gap: 12px; font-size: .9rem; color: var(--on-paper-muted); font-variant-numeric: tabular-nums; }
.bar-label strong { font-family: var(--serif); font-size: var(--step-2); font-weight: 400; color: var(--on-paper); }
.bar { height: 14px; background: var(--paper-2); position: relative; }
.bar span { position: absolute; inset: 0 auto 0 0; background: var(--on-paper); }
.bar.hi span { background: var(--terra); }
.gap-callout { border-top: 1px solid var(--rule-paper); padding-top: 18px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px 24px; align-items: baseline; }
.gap-callout .big { font-family: var(--serif); font-size: var(--step-3); color: var(--terra-deep); font-variant-numeric: tabular-nums; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 0; counter-reset: s; border-top: 1px solid var(--rule-ink); }
.step { padding: 32px 32px 8px 0; display: grid; gap: 12px; align-content: start; }
.step + .step { padding-left: 32px; border-left: 1px solid var(--rule-ink); }
.step .n { font-family: var(--serif); font-size: var(--step-2); color: var(--terra); font-variant-numeric: tabular-nums; }
.step h3 { font-size: var(--step-2); font-weight: 400; }
.step p { color: var(--on-ink-muted); }
@media (max-width: 860px) { .steps { grid-template-columns: minmax(0,1fr); } .step, .step + .step { padding: 24px 0; border-left: 0; border-bottom: 1px solid var(--rule-ink); } }

/* Closing CTA */
.closing { display: grid; grid-template-columns: minmax(0,1.3fr) minmax(0,1fr); gap: 40px 72px; align-items: end; }
.closing blockquote { margin: 0; font-family: var(--serif); font-size: var(--step-4); font-weight: 300; line-height: 1.15; }
.closing blockquote em { color: var(--terra); }
.closing .cta-box { display: grid; gap: 18px; }
@media (max-width: 860px) { .closing { grid-template-columns: minmax(0,1fr); } }

/* Content split (inner pages) */
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 2fr); gap: 32px 72px; }
.split + .split { margin-top: clamp(56px, 7vw, 96px); padding-top: clamp(40px, 5vw, 64px); border-top: 1px solid var(--rule-paper); }
.split h2 { font-size: var(--step-3); font-weight: 300; }
@media (max-width: 860px) { .split { grid-template-columns: minmax(0,1fr); } }
.list-rule { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--rule-paper); }
.list-rule li { padding: 18px 0; border-bottom: 1px solid var(--rule-paper); display: grid; gap: 4px; }
.list-rule li strong { font-family: var(--serif); font-size: var(--step-1); font-weight: 500; }
.list-rule li span { color: var(--on-paper-muted); }
.dark-list { border-top-color: var(--rule-ink); }
.dark-list li { border-bottom-color: var(--rule-ink); }
.dark-list li span { color: var(--on-ink-muted); }

/* Stats */
.stats { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); border-top: 1px solid var(--rule-ink); }
.stat { padding: 28px 24px 28px 0; display: grid; gap: 8px; align-content: start; }
.stat + .stat { padding-left: 24px; border-left: 1px solid var(--rule-ink); }
.stat .v { font-family: var(--serif); font-size: var(--step-4); font-weight: 300; line-height: 1; font-variant-numeric: tabular-nums; }
.stat .v small { font-size: .45em; color: var(--on-ink-muted); margin-left: 4px; }
.stat p { color: var(--on-ink-muted); font-size: .95rem; }
@media (max-width: 900px) { .stats { grid-template-columns: repeat(2, minmax(0,1fr)); } .stat:nth-child(3) { padding-left: 0; border-left: 0; } .stat:nth-child(n+3) { border-top: 1px solid var(--rule-ink); } }
@media (max-width: 480px) { .stats { grid-template-columns: minmax(0,1fr); } .stat, .stat + .stat { padding: 22px 0; border-left: 0; border-top: 1px solid var(--rule-ink); } .stat:first-child { border-top: 0; } }
.source-note { font-size: .82rem; color: var(--on-ink-muted); margin-top: 18px; max-width: 70ch; }
.light .source-note { color: var(--on-paper-muted); }

/* Tables */
.table-wrap { overflow-x: auto; border-top: 1px solid var(--on-paper); }
table { width: 100%; border-collapse: collapse; font-variant-numeric: tabular-nums; font-size: .98rem; }
th, td { text-align: left; padding: 13px 16px 13px 0; border-bottom: 1px solid var(--rule-paper); vertical-align: top; }
th { font-size: .75rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--on-paper-muted); }
td.num, th.num { text-align: right; padding-right: 0; padding-left: 16px; white-space: nowrap; }
td.hl { color: var(--terra-deep); font-weight: 600; }

/* Calculator panel */
.calc { display: grid; grid-template-columns: minmax(0,1.4fr) minmax(0,1fr); gap: 32px 56px; align-items: center; background: var(--ink-2); border: 1px solid var(--rule-ink); padding: clamp(28px, 4vw, 48px); }
.calc h2 { font-size: var(--step-3); font-weight: 300; }
.calc .actions { justify-content: flex-start; }
@media (max-width: 860px) { .calc { grid-template-columns: minmax(0,1fr); } }

/* Questions page */
.qs-layout { display: grid; grid-template-columns: 240px minmax(0, 1fr); gap: 72px; align-items: start; }
.toc { position: sticky; top: calc(env(safe-area-inset-top, 0px) + 132px); display: grid; gap: 4px; font-size: .9rem; }
.toc .eyebrow { margin-bottom: 10px; }
.toc a { text-decoration: none; color: var(--on-paper-muted); padding: 6px 0 6px 14px; border-left: 1px solid var(--rule-paper); line-height: 1.35; }
.toc a:hover, .toc a.on { color: var(--on-paper); border-left-color: var(--terra-deep); }
@media (max-width: 980px) { .qs-layout { grid-template-columns: minmax(0,1fr); gap: 32px; } .toc { position: static; } }
.topic { display: grid; gap: 28px; scroll-margin-top: calc(env(safe-area-inset-top, 0px) + 116px); }
.topic + .topic { margin-top: clamp(64px, 8vw, 104px); padding-top: clamp(48px, 6vw, 72px); border-top: 1px solid var(--on-paper); }
.topic .tnum { font-size: .78rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--terra-deep); }
.topic h2 { font-size: var(--step-4); font-weight: 300; max-width: 22ch; }
.topic .answer { font-family: var(--serif); font-size: var(--step-2); line-height: 1.35; max-width: 34ch; font-weight: 400; }
.topic h3 { font-family: var(--sans); font-size: .8rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--on-paper-muted); margin-bottom: -10px; }
.topic .body { display: grid; gap: 16px; max-width: 66ch; }
.topic .body p, .topic .body li { font-size: 1.06rem; line-height: 1.68; color: #2a2621; }
.topic ul, .topic ol { margin: 0; padding-left: 1.2em; display: grid; gap: 8px; }
.example { border-left: 2px solid var(--terra-deep); padding: 4px 0 4px 20px; max-width: 64ch; }
.example p { font-size: 1.04rem; color: #2a2621; }
.example .lbl { font-size: .75rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--terra-deep); margin-bottom: 6px; }
.caught { background: var(--paper-2); padding: 24px 28px; display: grid; gap: 12px; max-width: 70ch; }
.caught h4 { font-family: var(--sans); font-size: .8rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; }
.caught ul { padding-left: 1.1em; }
.caught li { font-size: 1rem; color: #2a2621; }
.topic-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 16px 28px; padding-top: 8px; }
.topic-cta p { max-width: 52ch; color: var(--on-paper-muted); }

/* Contact */
.contact-grid { display: grid; grid-template-columns: minmax(0,1fr) minmax(0,1fr); gap: 48px 72px; align-items: start; }
@media (max-width: 860px) { .contact-grid { grid-template-columns: minmax(0,1fr); } }
.cdetails { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--rule-ink); }
.cdetails li { display: grid; grid-template-columns: 110px minmax(0,1fr) auto; gap: 12px; align-items: baseline; padding: 20px 0; border-bottom: 1px solid var(--rule-ink); }
.cdetails .k { font-size: .75rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--on-ink-muted); }
.cdetails .v { font-family: var(--serif); font-size: var(--step-2); user-select: all; overflow-wrap: anywhere; }
.cdetails a.v { text-decoration: none; user-select: auto; border-bottom: 1px solid var(--terra); justify-self: start; }
.cdetails a.v:hover { color: var(--terra); }
.copy { background: none; border: 1px solid var(--rule-ink); color: var(--on-ink-muted); font: 600 .75rem var(--sans); letter-spacing: .08em; text-transform: uppercase; padding: 7px 10px; cursor: pointer; }
.copy:hover { color: var(--on-ink); border-color: var(--on-ink); }
@media (max-width: 520px) { .cdetails li { grid-template-columns: minmax(0,1fr) auto; } .cdetails .k { grid-column: 1 / -1; } }

/* Footer */
.site-footer { border-top: 1px solid var(--rule-ink); padding-block: 56px 40px; background: var(--ink); }
.foot-top { display: grid; grid-template-columns: minmax(0,1.2fr) minmax(0,1fr) minmax(0,1fr); gap: 32px 48px; padding-bottom: 36px; border-bottom: 1px solid var(--rule-ink); }
.foot-top h4 { font-family: var(--sans); font-size: .75rem; letter-spacing: .14em; text-transform: uppercase; color: var(--on-ink-muted); font-weight: 600; margin-bottom: 12px; }
.foot-top ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.foot-top a { text-decoration: none; color: var(--on-ink); font-size: .95rem; }
.foot-top a:hover { color: var(--terra); }
@media (max-width: 860px) { .foot-top { grid-template-columns: minmax(0,1fr); } }
.legal { padding-top: 28px; display: grid; gap: 14px; font-size: .82rem; line-height: 1.6; color: var(--on-ink-muted); max-width: 110ch; }
.legal strong { color: var(--on-ink); font-weight: 600; }
.legal-links { display: flex; flex-wrap: wrap; gap: 8px 24px; }
.legal-links a { color: var(--on-ink); text-decoration: underline; text-decoration-color: var(--terra); text-underline-offset: 3px; }

.view[hidden] { display: none !important; }
.preview-flag-unused { background: var(--terra); color: var(--ink); font-size: .78rem; font-weight: 600; letter-spacing: .06em; text-align: center; padding: 6px 16px; }