/* The Flat Fee Revolution — site styles
   Palette taken from the WealthKare letter stock: navy ink on cream, darker gold for text. */

@font-face{font-family:"Caladea";src:url("../fonts/caladea-regular.woff") format("woff");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Caladea";src:url("../fonts/caladea-bold.woff") format("woff");font-weight:700;font-style:normal;font-display:swap}
@font-face{font-family:"Caladea";src:url("../fonts/caladea-italic.woff") format("woff");font-weight:400;font-style:italic;font-display:swap}
@font-face{font-family:"Source Sans 3";src:url("../fonts/source-sans-3-400.woff2") format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Source Sans 3";src:url("../fonts/source-sans-3-600.woff2") format("woff2");font-weight:600;font-display:swap}

:root{
  --navy:#0E1A3A;
  --navy-2:#1B2A52;
  --paper:#FBF7EE;
  --panel:#F3ECDC;
  --ink:#1F1F1F;
  --ink-2:#4A4A4A;
  --gold:#8A5A12;      /* text-safe gold on cream */
  --brass:#C9A04E;     /* gold on navy */
  --rule:#D9CFB8;
  --serif:"Caladea",Georgia,"Times New Roman",serif;
  --sans:"Source Sans 3","Segoe UI",Arial,sans-serif;
  --measure:38rem;
  --wide:72rem;
}

*,*::before,*::after{box-sizing:border-box}
html{font-size:125%;-webkit-text-size-adjust:100%;scroll-behavior:smooth}   /* 20px base for 55+ readers */
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--serif);font-size:1rem;line-height:1.6}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:.18em}
a:hover{color:var(--gold)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:2px}
.on-navy :focus-visible{outline-color:var(--brass)}

.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.6rem 1rem;z-index:20;font-family:var(--sans)}
.skip:focus{left:1rem;top:1rem;color:#fff}

.wrap{max-width:var(--wide);margin:0 auto;padding:0 1.25rem}
.measure{max-width:var(--measure)}

/* Florida notice */
.notice{background:var(--panel);border-bottom:1px solid var(--rule);font-family:var(--sans);font-size:.8rem;line-height:1.4;color:var(--ink)}
.notice .wrap{padding-top:.5rem;padding-bottom:.5rem}

/* Header */
.site-head{background:var(--paper);border-bottom:1px solid var(--rule)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;padding-top:.9rem;padding-bottom:.9rem}
.mark{font-family:var(--serif);font-weight:700;font-size:1.15rem;color:var(--navy);text-decoration:none;line-height:1.2}
.mark small{display:block;font-weight:400;font-style:italic;font-size:.7rem;color:var(--ink-2)}
.nav{display:flex;align-items:center;gap:.25rem 1.25rem;flex-wrap:wrap;font-family:var(--sans);font-size:.85rem}
.nav a{text-decoration:none;color:var(--navy);padding:.5rem 0;min-height:44px;display:inline-flex;align-items:center}
.nav a[aria-current="page"]{text-decoration:underline;text-decoration-color:var(--gold);text-decoration-thickness:2px}
.nav .tel{font-weight:600}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:.7rem 1.4rem;border-radius:4px;font-family:var(--sans);font-weight:600;font-size:.9rem;text-decoration:none;border:2px solid transparent;cursor:pointer;line-height:1.2}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-2);color:#fff}
.btn-quiet{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-quiet:hover{background:var(--navy);color:#fff}
.on-navy .btn-primary{background:var(--brass);color:var(--navy)}
.on-navy .btn-primary:hover{background:#E0BE76;color:var(--navy)}
.on-navy .btn-quiet{color:#fff;border-color:#fff}
.on-navy .btn-quiet:hover{background:#fff;color:var(--navy)}
.actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.5rem}

/* Hero */
.hero{background:var(--navy);color:#F6F0E1}
.hero .wrap{padding-top:3.5rem;padding-bottom:3.5rem;display:grid;grid-template-columns:minmax(0,1.9fr) minmax(0,1fr);gap:3rem;align-items:end}
.hero h1{font-size:clamp(2rem,5vw,3.1rem);line-height:1.08;margin:0;color:#F6F0E1;font-weight:700;max-width:20ch}
.hero .then{font-style:italic;font-size:1.35rem;color:var(--brass);margin:.9rem 0 0}
.hero p{max-width:34rem;margin:1.2rem 0 0;color:#E6EAF2}
.hero-note{border-left:2px solid var(--brass);padding-left:1.25rem;font-size:.9rem;color:#D8DEEB}
.hero-note strong{display:block;font-size:2.4rem;line-height:1;color:#fff;font-weight:700;margin-bottom:.3rem}
.hero-note p{margin:.4rem 0 0}

/* Sections */
section{padding:3.5rem 0}
section + section{border-top:1px solid var(--rule)}
h2{font-size:clamp(1.5rem,3vw,2rem);line-height:1.15;color:var(--navy);margin:0 0 1rem;font-weight:700}
h3{font-size:1.15rem;line-height:1.3;color:var(--navy);margin:1.5rem 0 .4rem}
p{margin:0 0 1rem}
.lede{font-size:1.1rem}
.small{font-size:.8rem;line-height:1.5;color:var(--ink-2)}

/* Calculator: the one memorable thing */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.25fr);gap:2.5rem;margin-top:2rem;align-items:start}
.calc fieldset{border:0;margin:0;padding:0}
.calc legend{font-family:var(--sans);font-weight:600;font-size:.9rem;margin-bottom:.75rem;color:var(--navy)}
.field{margin-bottom:1.25rem}
.field label{display:block;font-family:var(--sans);font-weight:600;font-size:.85rem;margin-bottom:.35rem}
.field .hint{display:block;font-family:var(--sans);font-size:.75rem;color:var(--ink-2);margin-top:.3rem}
.money{display:flex;align-items:center;border:2px solid var(--navy);border-radius:4px;background:#fff}
.money span{padding:0 .2rem 0 .8rem;font-family:var(--sans);font-size:1.1rem;color:var(--ink-2)}
.money input[type=text]{border:0;outline:0;min-height:48px;border-radius:0;font-family:var(--sans);font-size:1.1rem;padding:.7rem .8rem .7rem .2rem;width:100%;background:transparent;min-height:52px;color:var(--ink)}
.money:focus-within{outline:3px solid var(--gold);outline-offset:2px}
select,input[type=text],input[type=email],input[type=tel],textarea{width:100%;font-family:var(--sans);font-size:1rem;padding:.7rem .8rem;border:2px solid var(--navy);border-radius:4px;background:#fff;color:var(--ink);min-height:52px}
textarea{min-height:7rem;resize:vertical}
input[type=range]{width:100%;accent-color:var(--navy);min-height:44px}
.range-row{display:flex;align-items:center;gap:1rem}
.range-row output{font-family:var(--sans);font-weight:600;min-width:4.5rem;text-align:right}

.ledger{background:#fff;border:1px solid var(--rule);border-top:4px solid var(--gold);padding:1.75rem}
.compare{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums lining-nums}
.compare th,.compare td{padding:.8rem .5rem;border-bottom:1px solid var(--rule);text-align:right;vertical-align:baseline}
.compare thead th{font-family:var(--sans);font-weight:600;font-size:.8rem;color:var(--ink-2);padding-top:0}
.compare tbody th{text-align:left;font-weight:400;font-size:.95rem;padding-left:0}
.compare td{font-weight:700;font-size:1.45rem;line-height:1.1;color:var(--navy);white-space:nowrap}
.compare tr.raise td:nth-child(2){color:var(--gold)}
.compare tr.total th,.compare tr.total td{border-bottom:0}
.verdict{margin:1rem 0 0;padding:1rem 1.1rem;background:var(--panel);border-left:4px solid var(--navy);font-size:1rem}
.verdict b{color:var(--navy)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.fee-line{font-size:1.25rem;color:var(--navy)}
.fee-line b{font-size:1.6rem}
.side .portrait{width:100%;max-width:16rem;margin-bottom:1.25rem;border:1px solid var(--rule)}
.bars{margin-top:1.25rem}
.bars svg{width:100%;height:auto;display:block}
.bars figcaption{font-family:var(--sans);font-size:.75rem;color:var(--ink-2);margin-top:.4rem}

/* Two bills */
.two{display:grid;grid-template-columns:1fr 1fr;gap:2.5rem;margin-top:1.5rem}
.two > div{border-top:2px solid var(--navy);padding-top:1rem}
.links-list{list-style:none;padding:0;margin:1.5rem 0 0}
.links-list li{padding:.9rem 0;border-bottom:1px solid var(--rule)}
.links-list li:first-child{border-top:1px solid var(--rule)}

/* Review panel */
.panel{background:var(--panel);border:1px solid var(--rule);padding:2rem;display:grid;grid-template-columns:minmax(0,1fr) 10rem;gap:2rem;align-items:start}
.panel ul{padding-left:1.2rem;margin:0 0 1rem}
.panel .book{text-align:center;font-style:italic;font-size:.8rem;line-height:1.35}
.panel .book img{margin:0 auto .5rem;box-shadow:0 1px 0 var(--rule)}
.phone-big{font-family:var(--sans);font-weight:600;font-size:1.3rem;color:var(--navy);text-decoration:none}

/* About */
.bio{display:grid;grid-template-columns:minmax(0,1fr) 14rem;gap:2.5rem;align-items:start}
.facts{font-family:var(--sans);font-size:.85rem;line-height:1.5;border-left:2px solid var(--gold);padding-left:1rem}
.facts dt{font-weight:600;color:var(--navy);margin-top:.8rem}
.facts dt:first-child{margin-top:0}
.facts dd{margin:0}
.sig{width:16rem;margin:1rem 0 .25rem}

/* FAQ */
details{border-bottom:1px solid var(--rule);padding:.25rem 0}
details:first-of-type{border-top:1px solid var(--rule)}
summary{cursor:pointer;font-weight:700;color:var(--navy);padding:.9rem 2rem .9rem 0;list-style:none;position:relative;min-height:44px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:.25rem;top:.75rem;font-family:var(--sans);font-size:1.4rem;color:var(--gold)}
details[open] summary::after{content:"\2212"}
details > div{padding:0 0 1rem}

/* Form */
.form{max-width:40rem}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.check{display:flex;gap:.75rem;align-items:flex-start;font-family:var(--sans);font-size:.85rem;line-height:1.45}
.check input{width:1.4rem;height:1.4rem;margin-top:.1rem;accent-color:var(--navy);flex:none}
.req{color:var(--gold)}
.alert{background:#fff;border:1px solid var(--rule);border-left:4px solid var(--gold);padding:1rem 1.25rem;margin:0 0 1.25rem;font-family:var(--sans);font-size:.9rem;line-height:1.5}
.alert[hidden]{display:none}
.hp{position:absolute;left:-5000px}

/* Footer */
.site-foot{background:var(--navy);color:#D8DEEB;font-family:var(--sans);font-size:.8rem;line-height:1.55;margin-top:0}
.site-foot .wrap{padding-top:2.5rem;padding-bottom:2.5rem}
.site-foot a{color:#fff}
.site-foot a:hover{color:var(--brass)}
.foot-top{display:flex;flex-wrap:wrap;justify-content:space-between;gap:1.5rem;padding-bottom:1.5rem;border-bottom:1px solid rgba(255,255,255,.2);margin-bottom:1.5rem}
.foot-top nav{display:flex;flex-wrap:wrap;gap:.5rem 1.25rem}
.foot-top .tel{font-size:1rem;font-weight:600;color:#fff;text-decoration:none}
.fine{max-width:56rem}
.fine p{margin:0 0 .7rem}

/* Simple pages */
.page-head{background:var(--navy);color:#F6F0E1}
.page-head .wrap{padding-top:2.5rem;padding-bottom:2.5rem}
.page-head h1{font-size:clamp(1.8rem,4vw,2.5rem);line-height:1.1;margin:0;color:#F6F0E1}
.page-head p{margin:.75rem 0 0;color:#D8DEEB;max-width:36rem}

@media (max-width:860px){
  .hero .wrap,.calc,.two,.bio,.panel{grid-template-columns:1fr}
  .hero .wrap{gap:2rem;padding-top:2.5rem;padding-bottom:2.5rem}
  .panel .book{max-width:10rem}
  .form .row{grid-template-columns:1fr}
}
@media (max-width:520px){
  html{font-size:112.5%}
  .ledger{padding:1.25rem}
  .compare td{font-size:1.15rem}
  .compare th,.compare td{padding:.7rem .3rem}
}
@media print{
  .notice,.site-head nav,.actions,.site-foot nav{display:none}
  .hero,.page-head,.site-foot{background:none;color:#000}
  .hero h1,.page-head h1{color:#000}
}

/* Video */
.video-row{display:grid;grid-template-columns:auto minmax(0,1fr);gap:3rem;align-items:start}
.video-frame{position:relative;aspect-ratio:9/16;width:min(20rem,calc(70vh * 9 / 16));min-width:14rem;background:var(--navy);border:1px solid var(--rule);overflow:hidden;border-radius:6px}
.video-frame video,.video-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0;background:#000;object-fit:cover}
.video-side{max-width:34rem}
.video-side h2{margin-bottom:.75rem}
.next{border-top:2px solid var(--navy);padding-top:1rem;margin-top:1.5rem}
.next-quiet{border-top:1px solid var(--rule)}
.next-label{font-family:var(--sans);font-weight:600;font-size:.85rem;color:var(--ink-2);margin:0 0 .75rem}
.btn-wide{width:100%}
.next-phone{font-family:var(--sans);font-size:.85rem;margin:.6rem 0 0}
.next-phone a{font-weight:600}
.dl{display:flex;align-items:center;gap:1rem;padding:.6rem .75rem;margin-bottom:.6rem;background:#fff;border:1px solid var(--rule);border-radius:4px;text-decoration:none;color:var(--ink);min-height:52px}
.dl:hover{border-color:var(--navy);color:var(--ink)}
.dl img{width:2.4rem;height:auto;flex:none;border:1px solid var(--rule)}
.dl span{font-family:var(--sans);font-size:.85rem;line-height:1.35}
.dl b{display:block;color:var(--navy);font-size:.9rem}
@media (max-width:860px){.video-row{grid-template-columns:1fr;gap:2rem}.video-frame{margin:0 auto;width:min(20rem,calc(70vh * 9 / 16),100%)}.video-side{max-width:none}}

/* Report */
.report{display:grid;grid-template-columns:13rem minmax(0,1fr);gap:2.5rem;align-items:start}
.report > img{border:1px solid var(--rule);box-shadow:0 2px 0 var(--rule)}
.report .form{margin-top:1.5rem}
ul.plain{padding-left:1.2rem;margin:0 0 1rem}
ul.plain li{margin-bottom:.4rem}
@media (max-width:860px){.report{grid-template-columns:1fr}.report > img{max-width:11rem}}

/* Logo */
.mark{display:inline-flex;align-items:center}
.mark img{height:4.2rem;width:auto}
.foot-logo{height:4.5rem;width:auto;margin-bottom:1.75rem}
@media (max-width:520px){.mark img{height:3.2rem}.foot-logo{height:3.6rem}}

/* Library */
.library{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.25fr);gap:3rem;align-items:center}
.library-art{margin:0}
.library-art a{display:block}
.library-art img{width:100%;height:auto;transition:transform .2s ease}
.library-art a:hover img{transform:translateY(-3px)}
.library-art figcaption{font-family:var(--sans);font-size:.75rem;color:var(--ink-2);text-align:center;margin-top:.5rem}
@media (max-width:860px){.library{grid-template-columns:1fr;gap:1.5rem}}

/* Team */
.team-photo{margin:0 0 2rem}
.team-photo img{width:100%;border-radius:6px}
.team-list{margin-top:2.5rem}
.member{display:grid;grid-template-columns:13rem minmax(0,1fr);gap:2rem;align-items:start;padding:2rem 0;border-top:1px solid var(--rule)}
.member img{width:100%;border-radius:6px;border:3px solid #C9A04E}
.member h2{margin:0 0 .2rem;font-size:1.5rem}
.member .role{font-family:var(--sans);font-weight:600;font-size:.9rem;color:var(--gold);margin:0 0 .5rem}
.member .li{font-family:var(--sans);font-size:.85rem;margin:0 0 .75rem}
.member p:last-child{max-width:var(--measure);margin-bottom:0}
.promise{margin:2.5rem 0 0;padding:1.5rem 1.75rem;background:var(--navy);color:#F6F0E1;border-left:6px solid var(--brass);border-radius:4px}
.promise p{font-size:1.2rem;font-style:italic;margin:0 0 .5rem;max-width:44rem}
.promise cite{font-family:var(--sans);font-style:normal;font-size:.8rem;color:var(--brass)}
@media (max-width:640px){.member{grid-template-columns:1fr;gap:1rem}.member img{max-width:12rem}}