/* =============================================================
   Composure design system · Harbor palette
   Shared chrome — tokens, base elements, nav, footer, buttons,
   eyebrow, section scaffold, methodology grid.
   Page-specific styles stay inline on each page.
   ============================================================= */

:root {
	/* type */
	--display: "Plus Jakarta Sans", system-ui, sans-serif;
	--sans:    "DM Sans", system-ui, -apple-system, sans-serif;

	/* Harbor palette */
	--bg:        #F2F3F5;
	--surface:   #FFFFFF;
	--fg:        #15212E;
	--fg-2:      #324252;
	--fg-3:      #6B7585;
	--line:      rgba(21, 33, 46, 0.14);
	--line-2:    rgba(21, 33, 46, 0.07);
	--accent:    #2D5F7C;
	--accent-2:  #B5824A;
	--accent-soft: color-mix(in oklab, var(--accent) 9%, var(--surface));
	--accent-line: color-mix(in oklab, var(--accent) 28%, transparent);

	/* winner / positive */
	--win:       #1F7A52;
	--win-soft:  color-mix(in oklab, var(--win) 9%, var(--surface));

	/* layout */
	--maxw: 1240px;
	--pad-x: clamp(20px, 4vw, 48px);

	/* radii */
	--r-pill: 999px;
	--r-card: 12px;
	--r-chip: 8px;

	--shadow-card: 0 1px 3px rgba(21,33,46,0.08);
	--shadow-lift: 0 14px 34px -18px rgba(21,33,46,0.30);

	--ease: cubic-bezier(.2,.7,.2,1);
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
	background: var(--bg);
	color: var(--fg);
	font-family: var(--sans);
	font-size: 15px;
	line-height: 1.6;
	-webkit-font-smoothing: antialiased;
	text-rendering: optimizeLegibility;
}
.tnum { font-variant-numeric: tabular-nums; }
::selection { background: var(--accent); color: #fff; }

.visually-hidden {
	position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
	overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

/* skip-link */
.skip-link {
	position: absolute; left: -9999px; top: auto;
	width: 1px; height: 1px; overflow: hidden;
	background: var(--accent); color: #fff;
	padding: 10px 14px; border-radius: 8px; z-index: 100;
	font-family: var(--sans); font-size: 14px; font-weight: 600;
	text-decoration: none;
}
.skip-link:focus {
	left: 12px; top: 12px; width: auto; height: auto;
	outline: 2px solid #fff; outline-offset: 2px;
}

/* eyebrow */
.eyebrow {
	font-family: var(--sans);
	font-size: 11px;
	font-weight: 600;
	letter-spacing: 0.16em;
	text-transform: uppercase;
	color: var(--fg-3);
	display: inline-flex;
	align-items: center;
	gap: 9px;
	margin: 0 0 16px;
}
.eyebrow::before {
	content: "";
	width: 6px; height: 6px; border-radius: 999px;
	background: var(--accent);
	box-shadow: 0 0 0 4px color-mix(in oklab, var(--accent) 18%, transparent);
}

h1, h2, h3 { font-family: var(--display); margin: 0; color: var(--fg); }
.accent { color: var(--accent); }

/* buttons */
.btn {
	display: inline-flex; align-items: center; gap: 9px;
	padding: 13px 22px; border-radius: var(--r-pill);
	font-family: var(--sans); font-size: 15px; font-weight: 600;
	letter-spacing: -0.01em; cursor: pointer; white-space: nowrap;
	border: 1px solid transparent; text-decoration: none;
	transition: transform var(--ease) .2s, background .2s, color .2s, border-color .2s;
}
.btn:hover { transform: translateY(-1px); }
.btn-accent { background: var(--accent); color: #fff; }
.btn-accent:hover { background: color-mix(in oklab, var(--accent) 88%, #000); }
.btn-ghost  { background: var(--surface); color: var(--fg); border-color: var(--line); }
.btn-ghost:hover  { border-color: var(--accent); color: var(--accent); }
.btn svg { width: 15px; height: 15px; }

/* nav */
.nav {
	position: sticky; top: 0; z-index: 40;
	background: color-mix(in oklab, var(--bg) 80%, transparent);
	backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
	border-bottom: 1px solid var(--line-2);
}
.nav-inner {
	max-width: var(--maxw); margin: 0 auto;
	padding: 15px var(--pad-x);
	display: flex; align-items: center; gap: 28px;
}
.wordmark {
	display: inline-flex; align-items: center; gap: 11px;
	text-decoration: none; color: var(--fg); margin-right: auto;
}
.wordmark .glyph {
	width: 30px; height: 30px; border-radius: 8px;
	background: var(--accent); color: #fff;
	display: grid; place-items: center;
	font-family: var(--display); font-weight: 800; font-size: 16px;
	letter-spacing: -0.04em;
	overflow: hidden;
}
.wordmark .glyph img {
	width: 100%; height: 100%; display: block; object-fit: cover;
}
.wordmark .wm-text {
	font-family: var(--display); font-weight: 700; font-size: 17px;
	letter-spacing: -0.02em;
}
.wordmark .wm-text span { color: var(--fg-3); font-weight: 500; }
.nav-links { display: flex; gap: 26px; list-style: none; padding: 0; margin: 0; }
.nav-links a {
	font-size: 14.5px; color: var(--fg-2); text-decoration: none;
	transition: color .2s;
}
.nav-links a:hover { color: var(--accent); }
.nav-links a[aria-current="page"] { color: var(--accent); font-weight: 600; }
@media (max-width: 820px) { .nav-links { display: none; } }

/* section scaffold */
.section { padding: clamp(48px, 6vw, 84px) var(--pad-x); }
.section .inner { max-width: var(--maxw); margin: 0 auto; }
.section-head { margin-bottom: 36px; }
.section-head h2 {
	font-size: clamp(26px, 3vw, 38px); font-weight: 700;
	letter-spacing: -0.025em; line-height: 1.1; text-wrap: balance;
}
.section-head .sub { font-size: 16px; color: var(--fg-2); margin-top: 10px; max-width: 52ch; }

/* methodology band (used on home + calculator + about) */
.method-grid {
	display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px;
}
@media (max-width: 760px) { .method-grid { grid-template-columns: 1fr; gap: 24px; } }
.method-item .n {
	font-family: var(--display); font-weight: 700; font-size: 13px;
	color: var(--accent); letter-spacing: 0.02em; margin-bottom: 12px;
	display: flex; align-items: center; gap: 9px;
}
.method-item .n::before {
	content: ""; width: 22px; height: 1px; background: var(--accent);
}
.method-item h3 { font-size: 18px; font-weight: 700; letter-spacing: -0.01em; margin-bottom: 7px; }
.method-item p { font-size: 14px; color: var(--fg-2); margin: 0; line-height: 1.55; }

/* breadcrumb */
.breadcrumb {
	font-size: 12.5px; color: var(--fg-3); margin: 0 0 18px;
}
.breadcrumb a { color: var(--fg-3); text-decoration: none; transition: color .2s; }
.breadcrumb a:hover { color: var(--accent); text-decoration: underline; }
.breadcrumb span[aria-current="page"] { color: var(--fg-2); }

/* footer */
.footer { border-top: 1px solid var(--line); padding: clamp(44px,5vw,68px) var(--pad-x) 30px; }
.footer-inner {
	max-width: var(--maxw); margin: 0 auto;
	display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 32px;
}
@media (max-width: 760px) { .footer-inner { grid-template-columns: 1fr 1fr; gap: 28px; } }
.footer .blurb { font-size: 13.5px; color: var(--fg-2); max-width: 30ch; margin: 14px 0 0; line-height: 1.55; }
.footer h4 {
	font-family: var(--sans); font-size: 11px; font-weight: 600;
	letter-spacing: 0.14em; text-transform: uppercase; color: var(--fg-3);
	margin: 0 0 14px;
}
.footer ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.footer a { font-size: 14px; color: var(--fg-2); text-decoration: none; transition: color .2s; }
.footer a:hover { color: var(--accent); }
.footer-bottom {
	max-width: var(--maxw); margin: 40px auto 0; padding-top: 22px;
	border-top: 1px dashed var(--line);
	display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap;
}
.footer-bottom .copy { font-size: 12.5px; color: var(--fg-3); }
.disclaimer {
	font-size: 12px; color: var(--fg-3); line-height: 1.5;
	background: var(--bg); border: 1px solid var(--line-2);
	border-radius: var(--r-chip); padding: 12px 16px; max-width: 560px;
}

/* ============================================================
   ARTICLE LAYOUT (guides, comparisons, decision pages, methodology)
   ============================================================ */
.article {
	max-width: 740px; margin: 0 auto;
	padding: clamp(32px, 5vw, 56px) var(--pad-x) clamp(40px, 5vw, 72px);
}
.article h1 {
	font-size: clamp(32px, 4.4vw, 52px);
	font-weight: 700; line-height: 1.05; letter-spacing: -0.025em;
	text-wrap: balance; margin: 0 0 14px;
}
.article .lead {
	font-size: clamp(15px, 1.3vw, 18px);
	color: var(--fg-2); line-height: 1.6; margin: 0 0 32px; text-wrap: pretty;
}
.article h2 {
	font-family: var(--display); font-size: 24px; font-weight: 700;
	letter-spacing: -0.02em; line-height: 1.2;
	margin: 40px 0 12px;
}
.article h3 {
	font-family: var(--display); font-size: 17px; font-weight: 700;
	margin: 24px 0 6px;
}
.article p, .article li {
	font-size: 15px; line-height: 1.65; color: var(--fg-2);
}
.article p { margin: 0 0 14px; }
.article ul, .article ol { padding-left: 22px; margin: 0 0 16px; }
.article ul li, .article ol li { margin-bottom: 6px; }
.article a { color: var(--accent); text-decoration: none; font-weight: 600; }
.article a:hover { text-decoration: underline; }
.article strong { color: var(--fg); }
.article hr {
	border: none; border-top: 1px dashed var(--line); margin: 36px 0;
}
.article .meta-row {
	font-size: 12.5px; color: var(--fg-3); margin: 0 0 28px;
	display: flex; gap: 14px; flex-wrap: wrap; align-items: center;
}
.article .meta-row .dot { width: 3px; height: 3px; border-radius: 999px; background: var(--line); }
.article .callout {
	border-left: 3px solid var(--accent);
	background: var(--accent-soft);
	padding: 14px 18px; border-radius: 0 10px 10px 0;
	margin: 18px 0; font-size: 14px; color: var(--fg);
}
.article .callout-win {
	border-left: 3px solid var(--win);
	background: var(--win-soft);
	padding: 14px 18px; border-radius: 0 10px 10px 0;
	margin: 18px 0; font-size: 14px; color: var(--fg);
}
.article .formula {
	font-family: ui-monospace, "SF Mono", Menlo, monospace;
	background: var(--surface); border: 1px solid var(--line);
	border-radius: 10px; padding: 12px 16px;
	font-size: 13.5px; line-height: 1.6; color: var(--fg);
	margin: 12px 0 18px;
	white-space: pre-wrap; overflow-x: auto;
}
.article table {
	width: 100%; border-collapse: collapse; margin: 16px 0 24px;
	font-size: 14px;
}
.article table th, .article table td {
	padding: 10px 12px; text-align: left;
	border-bottom: 1px solid var(--line-2);
}
.article table th {
	font-weight: 600; color: var(--fg);
	background: var(--bg);
	font-size: 12.5px; letter-spacing: 0.04em; text-transform: uppercase;
}
.article table td { color: var(--fg-2); }
.article table tbody tr:hover { background: var(--accent-soft); }
.article table .win { color: var(--win); font-weight: 700; }
.article .cta-strip {
	display: inline-flex; align-items: center; gap: 10px;
	padding: 14px 22px; border-radius: var(--r-pill);
	background: var(--accent); color: #fff;
	font-family: var(--sans); font-size: 14.5px; font-weight: 600;
	text-decoration: none; margin: 12px 0 8px;
	transition: transform var(--ease) .2s, background .2s;
}
.article .cta-strip:hover { transform: translateY(-1px); background: color-mix(in oklab, var(--accent) 88%, #000); text-decoration: none; }
.article .viz-placeholder,
.article .data-viz {
	margin: 18px 0 24px;
	padding: 16px;
	background: color-mix(in oklab, var(--accent) 4%, var(--surface));
	border: 1px dashed var(--accent-line);
	border-radius: 12px;
}
.article .viz-placeholder {
	display: grid; place-items: center;
	min-height: 220px;
	font-family: ui-monospace, "SF Mono", Menlo, monospace;
	font-size: 12.5px; letter-spacing: 0.08em;
	color: var(--fg-3); text-align: center;
}
.article .data-viz {
	overflow: hidden;
}
.article .data-viz figcaption {
	margin-top: 12px;
	font-size: 12.5px;
	line-height: 1.55;
	color: var(--fg-3);
}
.article .chart-svg {
	display: block;
	width: 100%;
	height: auto;
}
.article .chart-svg text {
	fill: var(--fg-3);
	font-family: var(--sans);
	font-size: 12px;
}
.article .chart-svg .text-strong {
	fill: var(--fg);
	font-weight: 600;
}
.article .chart-svg .axis,
.article .chart-svg .domain {
	stroke: var(--line);
	stroke-width: 1;
}
.article .chart-svg .grid {
	stroke: var(--line-2);
	stroke-width: 1;
	stroke-dasharray: 4 6;
}
.article .chart-svg .series-main {
	fill: none;
	stroke: var(--accent);
	stroke-width: 3.5;
	stroke-linecap: round;
	stroke-linejoin: round;
}
.article .chart-svg .series-alt {
	fill: none;
	stroke: var(--accent-2);
	stroke-width: 3.5;
	stroke-linecap: round;
	stroke-linejoin: round;
}
.article .chart-svg .series-credit {
	fill: none;
	stroke: color-mix(in oklab, var(--accent-2) 60%, white);
	stroke-width: 2.5;
	stroke-linecap: round;
	stroke-linejoin: round;
	stroke-dasharray: 8 7;
}
.article .chart-svg .series-credit-accent {
	fill: none;
	stroke: color-mix(in oklab, var(--accent) 62%, white);
	stroke-width: 2.5;
	stroke-linecap: round;
	stroke-linejoin: round;
	stroke-dasharray: 8 7;
}
.article .chart-svg .series-base {
	fill: none;
	stroke: var(--fg-3);
	stroke-width: 2.5;
	stroke-linecap: round;
	stroke-linejoin: round;
	stroke-dasharray: 7 7;
}
.article .chart-svg .marker-line {
	stroke: var(--fg-3);
	stroke-width: 1.5;
	stroke-dasharray: 5 5;
}
.article .chart-svg .marker-dot {
	fill: var(--surface);
	stroke: var(--fg);
	stroke-width: 2;
}
.article .chart-svg .marker-dot-accent {
	fill: var(--surface);
	stroke: var(--accent);
	stroke-width: 2;
}
.article .chart-svg .marker-dot-alt {
	fill: var(--surface);
	stroke: var(--accent-2);
	stroke-width: 2;
}
.article .chart-svg .marker-label {
	fill: var(--fg);
	font-size: 11.5px;
	font-weight: 600;
}
.article .chart-svg .shade-a {
	fill: color-mix(in oklab, var(--accent) 10%, var(--surface));
}
.article .chart-svg .shade-b {
	fill: color-mix(in oklab, var(--accent-2) 10%, var(--surface));
}
.article .feature-viz-grid {
	display: grid;
	grid-template-columns: repeat(2, minmax(0, 1fr));
	gap: 14px;
}
.article .feature-viz-panel {
	background: var(--surface);
	border: 1px solid var(--line);
	border-radius: 10px;
	padding: 16px;
}
.article .feature-viz-panel h3 {
	margin: 0 0 10px;
	font-size: 18px;
}
.article .feature-viz-kicker {
	display: inline-flex;
	align-items: center;
	gap: 8px;
	margin-bottom: 12px;
	padding: 4px 10px;
	border-radius: 999px;
	font-size: 10px;
	font-weight: 700;
	letter-spacing: 0.12em;
	text-transform: uppercase;
}
.article .feature-viz-kicker.kicker-citi {
	background: var(--accent-soft);
	color: var(--accent);
}
.article .feature-viz-kicker.kicker-wf {
	background: color-mix(in oklab, var(--accent-2) 12%, var(--surface));
	color: var(--accent-2);
}
.article .feature-viz-steps,
.article .feature-viz-points {
	display: grid;
	gap: 10px;
}
.article .feature-viz-step,
.article .feature-viz-point {
	padding: 11px 12px;
	border: 1px solid var(--line-2);
	border-radius: 8px;
	background: var(--bg);
	color: var(--fg-2);
	font-size: 13.5px;
	line-height: 1.45;
}
.article .feature-viz-step strong,
.article .feature-viz-point strong {
	display: block;
	margin-bottom: 2px;
	color: var(--fg);
}
.article .feature-viz-shared {
	display: grid;
	grid-template-columns: repeat(3, minmax(0, 1fr));
	gap: 10px;
	margin-top: 14px;
}
.article .feature-viz-chip {
	padding: 12px 10px;
	border-radius: 10px;
	background: color-mix(in oklab, var(--accent) 6%, var(--surface));
	border: 1px dashed var(--accent-line);
	text-align: center;
}
.article .feature-viz-chip strong {
	display: block;
	font-family: var(--display);
	font-size: 20px;
	line-height: 1.1;
	color: var(--fg);
}
.article .feature-viz-chip span {
	display: block;
	margin-top: 2px;
	font-size: 11.5px;
	color: var(--fg-3);
	letter-spacing: 0.06em;
	text-transform: uppercase;
}
@media (max-width: 760px) {
	.article .feature-viz-grid,
	.article .feature-viz-shared {
		grid-template-columns: 1fr;
	}
}

/* ============================================================
   LISTING CARDS (used by hub pages + calculator related-strip)
   ============================================================ */
.related-strip { background: var(--surface);
	border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.related-grid {
	display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px;
}
@media (max-width: 900px) { .related-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .related-grid { grid-template-columns: 1fr; } }
.rel-card {
	display: flex; flex-direction: column;
	background: var(--surface); border: 1px solid var(--line);
	border-radius: 12px; padding: 18px 20px;
	text-decoration: none; color: inherit;
	transition: border-color .2s, transform var(--ease) .2s, box-shadow .2s;
}
.rel-card:hover { border-color: var(--accent-line); transform: translateY(-2px); box-shadow: var(--shadow-card); }
.rel-card .ctag {
	display: inline-flex; align-self: flex-start; align-items: center;
	font-size: 10px; font-weight: 600; letter-spacing: 0.12em;
	text-transform: uppercase;
	color: var(--accent); background: var(--accent-soft);
	border-radius: 999px; padding: 3px 9px; margin-bottom: 12px;
}
.rel-card h3 { font-size: 16px; font-weight: 700; letter-spacing: -0.01em;
	line-height: 1.25; margin: 0; color: var(--fg); }
.rel-card p { font-size: 13px; color: var(--fg-2); margin: 6px 0 0; line-height: 1.5; }
.rel-card .meta { font-size: 12px; color: var(--fg-3); margin-top: 10px; }
.rel-card .meta b { color: var(--win); font-weight: 700; }

/* shared keyframes */
@keyframes pulse { 0%,100%{opacity:1;} 50%{opacity:.3;} }

@media (prefers-reduced-motion: reduce) {
	*, *::before, *::after { animation: none !important; transition: none !important; }
}