/* The Wealthest — design system (dark navy + platinum) */
:root{
  --ink:#0a1322;        /* page */
  --ink-2:#111d33;      /* raised panels */
  --ink-3:#182a47;      /* inputs, hover */
  --line:#2a3c5c;       /* borders */
  --bone:#e8edf5;       /* primary text */
  --mist:#9fb0c8;       /* secondary text */
  --brass:#dfe6f1;      /* brand accent */
  --brass-2:#ffffff;    /* accent hover */
  --sea:#5fa8a0;        /* positive state */
  --amber:#d9a441;
  --rose:#d5776b;
  --serif:"Newsreader",Georgia,"Times New Roman",serif;
  --sans:"Hanken Grotesk",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --wrap:1160px;
  --r-lg:22px; --r-md:14px; --r-sm:10px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;background:var(--ink);color:var(--bone);font:400 17px/1.65 var(--sans);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--brass-2);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--bone)}
:focus-visible{outline:2px solid var(--brass-2);outline-offset:3px;border-radius:6px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:8px;background:var(--brass);color:var(--ink);padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:12px}

/* type */
h1,h2,h3{font-family:var(--serif);font-weight:500;letter-spacing:-.01em;line-height:1.12;margin:0 0 .5em}
h1{font-size:clamp(2.4rem,5.4vw,4.4rem);font-weight:400;letter-spacing:-.02em}
h2{font-size:clamp(1.8rem,3.2vw,2.6rem)}
h3{font-size:1.3rem;line-height:1.25}
p{margin:0 0 1em;max-width:68ch}
.lead{font-size:1.18rem;color:var(--mist);max-width:60ch}
.muted{color:var(--mist)}
.small{font-size:.86rem}
.kicker{font-size:.95rem;color:var(--brass);margin:0 0 .9rem;font-weight:500}

/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(10,19,34,.86);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid rgba(42,60,92,.6)}
.site-head .wrap{display:flex;align-items:center;gap:28px;height:68px}
.logo{display:flex;align-items:center;gap:12px;color:var(--bone);text-decoration:none;font-family:var(--serif);font-size:1.32rem;letter-spacing:-.01em}

.logo-svg{display:block;flex:none;border-radius:9px}
.nav{display:flex;gap:24px;margin-left:auto;align-items:center}
.nav a{color:var(--mist);text-decoration:none;font-size:.96rem}
.nav a:hover,.nav a[aria-current=page]{color:var(--bone)}
.nav a.btn-gold,.nav a.btn-gold:hover{color:#0a1322}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);color:var(--bone);border-radius:10px;padding:8px 12px;font:inherit;font-size:.9rem}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 22px;border-radius:999px;font:600 .98rem/1.25 var(--sans);text-align:center;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn-gold{background:var(--brass);color:#0a1322}
.btn-gold:hover{background:var(--brass-2);color:#0a1322}
.btn-line{border-color:var(--line);color:var(--bone);background:transparent}
.btn-line:hover{border-color:var(--brass);color:var(--bone)}
.btn-sm{padding:10px 16px;font-size:.9rem}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}

/* sections */
section{padding:96px 0}
.band{background:var(--ink-2);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:720px;margin-bottom:44px}

/* hero */
.hero{padding:88px 0 72px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:-30% -10% auto auto;width:720px;height:720px;background:radial-gradient(closest-side,rgba(223,230,241,.13),transparent 70%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:64px;align-items:center;position:relative}
.trust{display:flex;flex-wrap:wrap;gap:10px 26px;margin:34px 0 0;padding:0;list-style:none;color:var(--mist);font-size:.95rem}
.trust li{display:flex;gap:8px;align-items:center}
.trust li::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--brass)}

/* protection ladder (hero visual) */
.ladder{background:linear-gradient(180deg,var(--ink-2),rgba(17,29,51,.4));border:1px solid var(--line);border-radius:var(--r-lg);padding:26px}
.ladder h2{font-size:1.35rem;margin-bottom:6px}
.ladder p{color:var(--mist);font-size:.93rem;margin-bottom:18px}
.rungs{list-style:none;margin:0;padding:0;display:flex;flex-direction:column-reverse;gap:8px;position:relative}
.rungs::before{content:"";position:absolute;left:19px;top:14px;bottom:14px;width:1.5px;background:linear-gradient(var(--brass),var(--line))}
.rungs a{display:grid;grid-template-columns:40px 1fr auto;align-items:center;gap:12px;padding:12px 14px 12px 0;color:var(--bone);text-decoration:none;border-radius:12px;position:relative}
.rungs a:hover{background:var(--ink-3)}
.rung-dot{width:40px;display:grid;place-items:center}
.rung-dot span{width:13px;height:13px;border-radius:50%;background:var(--ink);border:2px solid var(--brass)}
.rungs b{font-weight:600;display:block;font-size:.98rem}
.rungs small{color:var(--mist);font-size:.84rem}
.rungs i{font-style:normal;color:var(--brass);font-size:.85rem}

/* life stages */
.stages{display:grid;grid-template-columns:repeat(5,1fr);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden}
.stage{padding:28px 24px;border-right:1px solid var(--line);display:flex;flex-direction:column}
.stage:last-child{border-right:0}
.stage h3{font-size:1.18rem}
.stage p{color:var(--mist);font-size:.93rem;flex:1}
.stage .links{display:flex;flex-direction:column;gap:4px;font-size:.9rem}

/* guide index */
.guide-groups{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}
.guide-group{border-top:1px solid var(--line);padding-top:22px}
.guide-group h3{color:var(--brass);font-family:var(--sans);font-size:.95rem;font-weight:600;margin-bottom:12px}
.guide-link{display:grid;grid-template-columns:1fr auto;gap:4px 16px;padding:14px 0;border-bottom:1px solid rgba(42,60,92,.55);text-decoration:none;color:var(--bone)}
.guide-link b{font-family:var(--serif);font-weight:500;font-size:1.22rem}
.guide-link span{grid-column:1;color:var(--mist);font-size:.92rem}
.guide-link em{grid-row:1/3;grid-column:2;align-self:center;font-style:normal;color:var(--brass);font-size:1.2rem;transition:transform .15s}
.guide-link:hover em{transform:translateX(4px)}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:22px;counter-reset:s}
.steps li{counter-increment:s;padding-top:20px;border-top:1px solid var(--line)}
.steps li::before{content:counter(s);display:block;font-family:var(--serif);font-size:2.2rem;color:var(--brass);line-height:1;margin-bottom:14px}
.steps h3{font-size:1.1rem;font-family:var(--sans);font-weight:600}
.steps p{color:var(--mist);font-size:.92rem}

/* split feature */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.panel{background:var(--ink-2);border:1px solid var(--line);border-radius:var(--r-lg);padding:32px}

/* cta band */
.cta-band{text-align:left;padding:80px 0}
.cta-box{border:1px solid rgba(223,230,241,.45);border-radius:28px;padding:56px;background:radial-gradient(120% 140% at 100% 0%,rgba(223,230,241,.14),transparent 55%),var(--ink-2);display:grid;grid-template-columns:1.4fr auto;gap:32px;align-items:center}
.cta-box h2{margin-bottom:.3em}
.cta-box p{color:var(--mist);margin:0}

/* guide article */
.article-hero{padding:72px 0 40px}
.crumbs{font-size:.88rem;color:var(--mist);margin-bottom:22px}
.crumbs a{color:var(--mist)}
.article{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:64px;padding-top:24px;padding-bottom:96px}
.article h2{margin-top:56px;font-size:clamp(1.6rem,2.6vw,2.1rem)}
.article h2:first-child{margin-top:0}
.checklist{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:14px}
.checklist li{background:var(--ink-2);border:1px solid var(--line);border-radius:var(--r-md);padding:18px 20px}
.checklist b{display:block;margin-bottom:4px}
.checklist span{color:var(--mist);font-size:.94rem}
.mistakes{list-style:none;padding:0;margin:0}
.mistakes li{padding:18px 0 18px 32px;border-bottom:1px solid var(--line);position:relative}
.mistakes li::before{content:"";position:absolute;left:4px;top:27px;width:12px;height:2px;background:var(--rose)}
.mistakes b{display:block}
.mistakes span{color:var(--mist);font-size:.95rem}
details{border-bottom:1px solid var(--line);padding:4px 0}
summary{cursor:pointer;padding:16px 0;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--brass);font-size:1.3rem;line-height:1}
details[open] summary::after{content:"–"}
details p{color:var(--mist)}
.aside-card{position:sticky;top:92px;background:var(--ink-2);border:1px solid var(--line);border-radius:var(--r-lg);padding:26px}
.aside-card h3{font-size:1.25rem}
.aside-card p{color:var(--mist);font-size:.94rem}
.aside-card .btn{width:100%;margin-top:10px}
.related{margin-top:26px;padding-top:20px;border-top:1px solid var(--line);font-size:.92rem}
.related a{display:block;padding:4px 0}
.note{border-left:2px solid var(--brass);padding:4px 0 4px 18px;color:var(--mist);font-size:.95rem;margin:28px 0}

/* forms / tools */
.tool{background:var(--ink-2);border:1px solid var(--line);border-radius:var(--r-lg);padding:32px}
.field{margin-bottom:18px}
.field label,.fieldset legend{display:block;font-weight:600;margin-bottom:8px;font-size:.96rem}
.field .hint{display:block;color:var(--mist);font-size:.84rem;font-weight:400;margin-top:2px}
input[type=number],input[type=text],select{width:100%;background:var(--ink-3);border:1px solid var(--line);color:var(--bone);border-radius:var(--r-sm);padding:12px 14px;font:inherit}
input:focus,select:focus{outline:2px solid var(--brass);outline-offset:0;border-color:transparent}
.fieldset{border:0;padding:0;margin:0 0 24px}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips label{cursor:pointer}
.chips input{position:absolute;opacity:0;pointer-events:none}
.chips span{display:inline-block;padding:10px 16px;border:1px solid var(--line);border-radius:999px;font-size:.93rem;color:var(--mist);transition:all .12s}
.chips input:checked+span{background:var(--brass);border-color:var(--brass);color:#0a1322;font-weight:600}
.chips input:focus-visible+span{outline:2px solid var(--brass-2);outline-offset:2px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:0 20px}
.result{margin-top:26px;padding:26px;border-radius:var(--r-md);background:var(--ink);border:1px solid var(--line)}
.result[hidden]{display:none}
.big-num{font-family:var(--serif);font-size:clamp(2rem,4vw,3rem);line-height:1.05;color:var(--brass-2)}
.bar{height:10px;background:var(--ink-3);border-radius:99px;overflow:hidden;margin:14px 0 6px}
.bar span{display:block;height:100%;background:var(--brass);border-radius:99px;transition:width .4s}
.rec-list{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:10px}
.rec-list li{display:grid;grid-template-columns:12px 1fr;gap:14px;padding:16px 18px;background:var(--ink-2);border:1px solid var(--line);border-radius:var(--r-md)}
.rec-list li::before{content:"";width:10px;height:10px;border-radius:50%;margin-top:7px;background:var(--brass)}
.rec-list li.high::before{background:var(--rose)}
.rec-list b{display:block}
.rec-list span{color:var(--mist);font-size:.93rem}
.tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px}
.tabs button{background:transparent;border:1px solid var(--line);color:var(--mist);padding:10px 16px;border-radius:999px;font:inherit;font-size:.93rem;cursor:pointer}
.tabs button[aria-selected=true]{background:var(--bone);color:var(--ink);border-color:var(--bone);font-weight:600}
.calc[hidden]{display:none}
.disclaimer{font-size:.84rem;color:var(--mist);margin-top:16px}

/* about */
.about-hero{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:end}
.portrait{border-radius:var(--r-lg);overflow:hidden;border:1px solid var(--line);aspect-ratio:4/5;background:var(--ink-2)}
.portrait img{width:100%;height:100%;object-fit:cover;filter:saturate(.9)}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;margin-top:56px}
.facts div{padding:24px;border-right:1px solid var(--line)}
.facts div:last-child{border-right:0}
.facts b{display:block;font-family:var(--serif);font-size:2rem;font-weight:400;color:var(--brass-2)}
.facts span{color:var(--mist);font-size:.9rem}
.prose{max-width:68ch}
.prose h2{margin-top:48px}
blockquote{margin:40px 0;padding:0 0 0 24px;border-left:2px solid var(--brass);font-family:var(--serif);font-size:1.45rem;line-height:1.4;color:var(--bone)}
.ticks{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:10px 24px}
.ticks li{padding-left:24px;position:relative}
.ticks li::before{content:"";position:absolute;left:0;top:10px;width:12px;height:6px;border-left:2px solid var(--brass);border-bottom:2px solid var(--brass);transform:rotate(-45deg)}

/* footer */
.site-foot{border-top:1px solid var(--line);padding:64px 0 120px;color:var(--mist);font-size:.88rem}
.foot-grid{display:grid;grid-template-columns:1.1fr 2fr;gap:56px}
.foot-links{display:grid;grid-template-columns:repeat(3,1fr);gap:8px 24px}
.foot-links a{color:var(--mist);text-decoration:none;display:block;padding:3px 0}
.foot-links a:hover{color:var(--bone)}
.foot-links h4{color:var(--bone);font-size:.92rem;margin:0 0 8px}
.legal{margin-top:40px;padding-top:28px;border-top:1px solid var(--line);font-size:.82rem;line-height:1.6}
.legal p{max-width:none}

/* WhatsApp + mobile bar */
.wa-float{position:fixed;right:22px;bottom:22px;z-index:60;width:58px;height:58px;border-radius:50%;background:#25d366;display:grid;place-items:center;box-shadow:0 10px 30px rgba(0,0,0,.35)}
.wa-float svg{width:30px;height:30px;fill:#fff}
.mobile-bar{display:none}

/* responsive */
@media (max-width:1000px){
  .hero-grid,.split,.about-hero,.cta-box{grid-template-columns:1fr}
  .stages{grid-template-columns:1fr 1fr}
  .stage{border-bottom:1px solid var(--line)}
  .steps{grid-template-columns:1fr 1fr}
  .article{grid-template-columns:1fr}
  .aside-card{position:static}
  .foot-grid{grid-template-columns:1fr}
}
@media (max-width:760px){
  body{font-size:16px}
  section{padding:64px 0}
  .hero{padding:48px 0 56px}
  .nav{display:none;position:absolute;top:68px;left:0;right:0;flex-direction:column;align-items:flex-start;gap:0;background:var(--ink-2);border-bottom:1px solid var(--line);padding:8px 24px 20px}
  .nav.open{display:flex}
  .nav a{padding:12px 0;width:100%;border-bottom:1px solid var(--line)}
  .nav .btn{margin-top:14px;border-bottom:0}
  .menu-btn{display:block}
  .stages,.guide-groups,.checklist,.grid-2,.ticks{grid-template-columns:1fr}
  .stage{border-right:0}
  .steps{grid-template-columns:1fr}
  .facts{grid-template-columns:1fr 1fr}
  .facts div:nth-child(2){border-right:0}
  .facts div:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .cta-box{padding:32px 24px}
  .btns .btn{width:100%}
  .foot-links{grid-template-columns:1fr 1fr}
  .wa-float{display:none}
  .mobile-bar{display:grid;grid-template-columns:repeat(5,1fr);position:fixed;left:0;right:0;bottom:0;z-index:60;background:rgba(17,29,51,.97);backdrop-filter:blur(10px);border-top:1px solid var(--line);padding:6px 4px calc(6px + env(safe-area-inset-bottom))}
  .mobile-bar a{display:flex;flex-direction:column;align-items:center;gap:3px;color:var(--mist);text-decoration:none;font-size:.7rem;padding:6px 0}
  .mobile-bar a svg{width:22px;height:22px;stroke:currentColor;fill:none;stroke-width:1.6}
  .mobile-bar a.primary{color:var(--brass-2);font-weight:600}
  .mobile-bar a.wa svg{fill:#25d366;stroke:none}
}