/* FundFox site styles. Brand: navy #0B1F3B, orange #FF7A00, amber #FFA726, stone #F3F5F7, white.
   Contrast rules from the altered brand guide: orange buttons carry navy text; orange text on light
   backgrounds uses --orange-ink (#A84D00). Montserrat throughout. */
:root{
  --navy:#0B1F3B; --navy-2:#132C52; --navy-3:#1C3A68;
  --orange:#FF7A00; --amber:#FFA726; --orange-ink:#A84D00; --orange-soft:#FFF1E3;
  --stone:#F3F5F7; --white:#FFFFFF; --line:#DDE2E8;
  --ink:#0B1F3B; --ink-2:#44536A; --ink-3:#5E6B7E; --on-navy:#FFFFFF; --on-navy-2:#C9D3E2;
  --ok:#11743D; --err:#B42318;
  --font:"Montserrat", "Helvetica Neue", Arial, sans-serif;
  --r:10px; --r-lg:16px;
  --shadow:0 10px 30px rgba(11,31,59,.10), 0 2px 6px rgba(11,31,59,.06);
  --wrap:1180px;
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;overflow-x:clip;font-family:var(--font);font-size:16.5px;line-height:1.65;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--orange-ink);text-underline-offset:3px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--amber);outline-offset:2px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--font);color:inherit;margin:0 0 .5em;line-height:1.15;text-wrap:balance}
h1{font-size:clamp(2.1rem,4.6vw,3.35rem);font-weight:800;letter-spacing:-.02em}
h2{font-size:clamp(1.65rem,3vw,2.3rem);font-weight:800;letter-spacing:-.015em}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.narrow{max-width:760px}
.skip{position:absolute;left:-999px;top:8px;background:var(--white);color:var(--navy);padding:8px 14px;border-radius:6px;z-index:100;font-weight:700}
.skip:focus{left:12px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--orange-ink);margin-bottom:12px}
.on-navy .eyebrow{color:var(--amber)}
.lead{font-size:1.12rem;color:var(--ink-2);max-width:62ch}
.on-navy .lead{color:var(--on-navy-2)}
.swoosh{position:relative;white-space:nowrap;display:inline-block}
@media (max-width:600px){.swoosh{white-space:normal;display:inline}.swoosh::after{display:none}.swoosh{background:linear-gradient(transparent 82%,rgba(255,122,0,.9) 82%,rgba(255,122,0,.9) 94%,transparent 94%)}}
.swoosh::after{content:"";position:absolute;left:4%;right:0;bottom:-.18em;height:.32em;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 200 20' preserveAspectRatio='none'%3E%3Cpath d='M2 16 C60 2 140 0 198 6 C140 5 70 8 2 16Z' fill='%23FF7A00'/%3E%3C/svg%3E") no-repeat center/100% 100%}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--font);font-weight:700;font-size:1rem;line-height:1.2;padding:15px 26px;border-radius:999px;border:2px solid transparent;cursor:pointer;text-decoration:none;transition:transform .15s ease,background-color .15s ease,box-shadow .15s ease}
.btn-primary{background:var(--orange);color:var(--navy)}
.btn-primary:hover{background:var(--amber);color:var(--navy);transform:translateY(-1px);box-shadow:0 8px 20px rgba(255,122,0,.3)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:var(--white)}
.on-navy .btn-ghost{color:var(--white);border-color:rgba(255,255,255,.6)}
.on-navy .btn-ghost:hover{background:var(--white);color:var(--navy)}
.btn svg{width:18px;height:18px}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);color:var(--white);border-bottom:1px solid rgba(255,255,255,.08);padding-top:env(safe-area-inset-top,0px)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:72px}
.logo{display:inline-flex;align-items:center;gap:12px;color:var(--white);text-decoration:none}
.logo img{width:40px;height:44px}
.logo .rule{width:2px;height:34px;background:rgba(255,255,255,.55);border-radius:2px}
.logo .wm{font-weight:800;font-size:1.55rem;letter-spacing:-.02em;line-height:1}
.logo .wm small{display:block;white-space:nowrap;font-size:.58rem;font-weight:600;font-style:italic;letter-spacing:.01em;color:var(--on-navy-2);margin-top:4px}
.logo:hover{color:var(--white)}
.nav{display:flex;align-items:center;gap:6px}
.nav a{color:var(--on-navy-2);text-decoration:none;font-weight:600;font-size:.92rem;padding:8px 10px;border-radius:8px;white-space:nowrap}
.nav a:hover,.nav a[aria-current="page"]{color:var(--white);background:rgba(255,255,255,.07)}
.nav .btn{margin-left:8px;padding:11px 20px;font-size:.92rem;color:var(--navy)}
.nav .btn:hover{background:var(--amber);color:var(--navy)}
.menu-btn{display:none;background:none;border:0;color:var(--white);padding:8px;cursor:pointer}
.menu-btn svg{width:28px;height:28px}
@media (max-width:1180px){
  .menu-btn{display:block}
  .nav{position:fixed;inset:72px 0 auto 0;top:calc(72px + env(safe-area-inset-top,0px));flex-direction:column;align-items:stretch;gap:0;background:var(--navy);padding:8px max(20px,env(safe-area-inset-right,0px)) 20px max(20px,env(safe-area-inset-left,0px));border-bottom:1px solid rgba(255,255,255,.1);box-shadow:0 20px 30px rgba(0,0,0,.25)}
  .nav[hidden]{display:none!important}
  .nav a{padding:13px 6px;border-bottom:1px solid rgba(255,255,255,.07);border-radius:0;font-size:1rem}
  .nav .btn{margin:14px 0 0;border-radius:999px;border-bottom:0}
}
@media (min-width:1181px){.nav[hidden]{display:flex!important}}

/* hero */
.hero{position:relative;background:var(--navy);color:var(--on-navy);overflow:hidden}
.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:56px;align-items:start;padding-top:64px;padding-bottom:80px}
.hero h1{color:var(--white);margin-bottom:20px}
.hero .lead{margin-bottom:26px}
.hero-points{list-style:none;margin:0 0 8px;padding:0;display:grid;gap:12px}
.hero-points li{display:flex;gap:12px;align-items:flex-start;color:var(--on-navy-2);font-weight:500}
.hero-points svg{flex:none;width:22px;height:22px;margin-top:2px}
.facets{position:absolute;z-index:1;pointer-events:none}
.facets.tr{right:-60px;top:-40px;width:360px;opacity:.9}
.facets.bl{left:-80px;bottom:-60px;width:300px;opacity:.5}
.stripes{position:absolute;right:0;bottom:0;z-index:1;width:220px;height:90px;background:repeating-linear-gradient(-55deg,transparent 0 22px,rgba(255,122,0,.9) 22px 44px,transparent 44px 66px,rgba(255,255,255,.08) 66px 88px);clip-path:polygon(30% 0,100% 0,100% 100%,0 100%);opacity:.35}
@media (max-width:920px){
  .hero .wrap{grid-template-columns:minmax(0,1fr);gap:32px;padding-top:40px;padding-bottom:56px}
  .facets.tr{width:220px;right:-70px;top:-30px;opacity:.5}
  .facets.bl,.stripes{display:none}
}
.crumbs{font-size:.85rem;color:var(--on-navy-2);margin-bottom:16px}
.crumbs a{color:var(--on-navy-2)}
.crumbs a:hover{color:var(--white)}

/* quiz card */
.quiz{background:var(--white);color:var(--ink);border-radius:var(--r-lg);box-shadow:0 24px 60px rgba(0,0,0,.35);padding:28px;position:relative;scroll-margin-top:96px}
.quiz-head{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:14px}
.quiz-head .t{font-weight:800;font-size:1.05rem}
.quiz-head .s{font-size:.82rem;color:var(--ink-3);font-weight:600;white-space:nowrap}
.progress{height:6px;background:var(--stone);border-radius:6px;overflow:hidden;margin-bottom:22px}
.progress span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--orange),var(--amber));border-radius:6px;transition:width .3s ease}
.step{border:0;margin:0;padding:0;min-width:0}
.step[hidden]{display:none}
.step legend:focus{outline:none}
.step legend{font-weight:800;font-size:1.28rem;line-height:1.25;margin-bottom:6px;padding:0;text-wrap:balance}
.step .hint{font-size:.9rem;color:var(--ink-3);margin:0 0 16px}
.opts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.opts.one{grid-template-columns:1fr}
.opt{position:relative}
.opt input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}
.opt span{display:flex;align-items:center;gap:12px;min-height:56px;padding:12px 14px;border:2px solid var(--line);border-radius:var(--r);font-weight:600;font-size:.95rem;line-height:1.3;background:var(--white);transition:border-color .15s,background-color .15s}
.opt span svg{flex:none;width:34px;height:34px}
.opt:hover span{border-color:var(--navy-3)}
.opt input:checked+span{border-color:var(--orange);background:var(--orange-soft)}
.opt input:focus-visible+span{outline:3px solid var(--amber);outline-offset:2px}
.opts.icons .opt span{flex-direction:column;align-items:flex-start;justify-content:flex-start;min-height:104px;gap:8px}
.field{display:grid;gap:6px;margin-bottom:14px}
.field label{font-weight:700;font-size:.9rem}
.field .opt-label{font-weight:500;color:var(--ink-3)}
.field input,.field select{font-family:var(--font);font-size:1rem;padding:13px 14px;border:2px solid var(--line);border-radius:var(--r);background:var(--white);color:var(--ink);width:100%}
.field input:focus,.field select:focus{border-color:var(--navy-3);outline:none;box-shadow:0 0 0 3px rgba(255,167,38,.45)}
.field input[aria-invalid="true"]{border-color:var(--err)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:520px){.row2{grid-template-columns:1fr}.opts{grid-template-columns:1fr}.opts.icons{grid-template-columns:1fr 1fr}.quiz{padding:22px 18px}}
.err{color:var(--err);font-size:.85rem;font-weight:600;min-height:0}
.consent{display:grid;grid-template-columns:22px 1fr;gap:10px;align-items:start;font-size:.84rem;line-height:1.5;color:var(--ink-2);margin:6px 0 12px}
.consent input{width:20px;height:20px;margin:2px 0 0;accent-color:var(--orange)}
.quiz-nav{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:20px}
.quiz-nav .back{background:none;border:0;font-family:var(--font);font-weight:700;color:var(--ink-2);cursor:pointer;padding:10px 4px;font-size:.95rem}
.quiz-nav .back:hover{color:var(--navy)}
.quiz-nav .btn{margin-left:auto}
.quiz .fine{font-size:.78rem;color:var(--ink-3);margin:14px 0 0;line-height:1.5}
.decline{background:var(--stone);border-radius:var(--r);padding:18px;font-size:.95rem}
.decline strong{display:block;margin-bottom:6px}
.hp{position:absolute!important;left:-5000px!important;width:1px;height:1px;overflow:hidden}
.cf-turnstile{margin:6px 0 4px}

/* trust strip */
.trust{background:var(--stone);border-bottom:1px solid var(--line)}
.trust ul{list-style:none;margin:0;padding:22px 0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.trust li{display:flex;gap:12px;align-items:center;font-weight:700;font-size:.92rem;line-height:1.35}
.trust svg{flex:none;width:30px;height:30px}
@media (max-width:900px){.trust ul{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.trust ul{grid-template-columns:1fr}}

/* sections */
.section{padding:84px 0}
.section.stone{background:var(--stone)}
.section.navy{background:var(--navy);color:var(--on-navy)}
.section-head{max-width:720px;margin-bottom:40px}
.section-head p{color:var(--ink-2);font-size:1.06rem}
.navy .section-head p{color:var(--on-navy-2)}
@media (max-width:700px){.section{padding:60px 0}}

.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s,border-color .15s}
.card svg{width:52px;height:52px}
.card h3{margin:6px 0 0}
.card p{color:var(--ink-2);font-size:.95rem;margin:0}
.card .more{margin-top:auto;padding-top:8px;font-weight:700;color:var(--orange-ink);font-size:.92rem}
a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:transparent;color:var(--ink)}
.cards.five{grid-template-columns:repeat(6,minmax(0,1fr))}
.cards.five .card{grid-column:span 2}
.cards.five .card:nth-child(4){grid-column:2 / span 2}
.cards.four{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:1100px){.cards.four{grid-template-columns:1fr 1fr}}
@media (max-width:980px){.cards,.cards.five{grid-template-columns:1fr 1fr}.cards.five .card,.cards.five .card:nth-child(4){grid-column:auto}}
@media (max-width:600px){.cards,.cards.five,.cards.four{grid-template-columns:1fr}}

.steps3{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;counter-reset:st}
.steps3 li{counter-increment:st;position:relative;padding:28px 24px 24px;border-radius:var(--r-lg);background:var(--navy-2)}
.steps3 li::before{content:counter(st);display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--orange);color:var(--navy);font-weight:800;font-size:1.15rem;margin-bottom:16px}
.steps3 h3{color:var(--white)}
.steps3 p{color:var(--on-navy-2);margin:0;font-size:.97rem}
@media (max-width:860px){.steps3{grid-template-columns:1fr}}

.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:32px}}
.ticks{list-style:none;margin:0 0 1.2em;padding:0;display:grid;gap:12px}
.ticks li{display:grid;grid-template-columns:24px 1fr;gap:12px;align-items:start}
.ticks li::before{content:"";width:22px;height:22px;margin-top:2px;border-radius:50%;background:var(--orange) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230B1F3B' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4 8-9'/%3E%3C/svg%3E") no-repeat center/14px}
.panel{background:var(--white);border-radius:var(--r-lg);padding:30px;border:1px solid var(--line)}
.panel.navy{background:var(--navy);color:var(--on-navy);border:0;position:relative;overflow:hidden}
.panel.navy h3{color:var(--white)}
.panel.navy p,.panel.navy li{color:var(--on-navy-2)}
.stat{display:flex;align-items:baseline;gap:10px;margin-bottom:6px}
.stat b{font-size:2.4rem;font-weight:800;color:var(--amber);line-height:1}
.note{font-size:.88rem;color:var(--ink-3)}
.callout{border-left:0;background:var(--orange-soft);border-radius:var(--r);padding:18px 20px;font-size:.95rem;margin:18px 0}
.callout strong{color:var(--navy)}

.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.4em}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.4em}

/* faq */
.faq{display:grid;gap:12px;max-width:820px}
.faq details{background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:0 20px}
.faq summary{cursor:pointer;font-weight:700;padding:18px 32px 18px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:2px;top:50%;width:12px;height:12px;border-right:3px solid var(--orange);border-bottom:3px solid var(--orange);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq details p{color:var(--ink-2);margin:0 0 18px}

/* cta band */
.cta-band{background:var(--orange);color:var(--navy);position:relative;overflow:hidden}
.cta-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:48px;padding-bottom:48px;position:relative;z-index:1}
.cta-band h2{margin:0;max-width:24ch}
.cta-band .btn{background:var(--navy);color:var(--white)}
.cta-band .btn:hover{background:var(--navy-3);color:var(--white)}
.cta-band::before{content:"";position:absolute;right:-40px;top:0;bottom:0;width:340px;background:repeating-linear-gradient(-55deg,transparent 0 26px,rgba(11,31,59,.12) 26px 52px)}
@media (max-width:760px){.cta-band .wrap{flex-direction:column;align-items:flex-start}}

/* footer */
.site-footer{background:var(--navy);color:var(--on-navy-2);font-size:.9rem;padding:56px 0 calc(32px + env(safe-area-inset-bottom,0px))}
.site-footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:36px}
.site-footer h4{color:var(--white);font-size:.95rem;margin-bottom:14px}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.site-footer a{color:var(--on-navy-2);text-decoration:none}
.site-footer a:hover{color:var(--white);text-decoration:underline}
.site-footer .tag{font-style:italic;font-weight:600;color:var(--white);margin:14px 0 0}
.disclosure{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;font-size:.8rem;line-height:1.6;color:#A9B6C9}
.disclosure p{max-width:110ch}
@media (max-width:800px){.site-footer .cols{grid-template-columns:1fr;gap:28px}}

/* thank you */
.ty{padding:72px 0 90px}
.ty .badge{width:72px;height:72px;border-radius:50%;background:var(--orange);display:grid;place-items:center;margin-bottom:22px}
.ty .badge svg{width:36px;height:36px}

@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}