/* =========================================================================
   TEAM401K PARTICIPANT SITE — DESIGN SYSTEM
   Palette: deep navy (trust/stability) + a single disciplined gold (the match)
   Type:   Archivo (display) · Public Sans (body) · Space Grotesk (data)
   Signature: the "match bar" — navy = your money, gold = your employer's money
   ========================================================================= */

:root{
  --navy-900:#071A32;
  --navy-800:#0B2545;
  --navy-700:#13315C;
  --navy-600:#1C4577;
  --gold-500:#C89B3C;
  --gold-400:#E3BE5B;
  --gold-100:#F6ECCD;
  --paper:#F5F8FC;
  --white:#FFFFFF;
  --ink:#0C1C2E;
  --ink-soft:#476081;
  --green:#1E8E5A;
  --green-100:#E4F3EB;
  --line:#DCE5F0;
  --radius:14px;
  --radius-sm:9px;
  --shadow:0 1px 2px rgba(11,37,69,.06), 0 12px 34px -14px rgba(11,37,69,.24);
  --font-display:"Archivo",system-ui,sans-serif;
  --font-body:"Public Sans",system-ui,sans-serif;
  --font-data:"Space Grotesk",ui-monospace,monospace;
  --wrap:1120px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0; background:var(--paper); color:var(--ink);
  font-family:var(--font-body); font-size:17px; line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:var(--navy-700)}

h1,h2,h3,h4{font-family:var(--font-display);line-height:1.08;margin:0 0 .5em;letter-spacing:-.02em}
h1{font-size:clamp(2.35rem,5.4vw,4rem);font-weight:800}
h2{font-size:clamp(1.7rem,3.4vw,2.6rem);font-weight:800}
h3{font-size:1.28rem;font-weight:700;letter-spacing:-.01em}
p{margin:0 0 1rem}
.lead{font-size:1.2rem;color:var(--ink-soft)}
.eyebrow{font-family:var(--font-data);text-transform:uppercase;letter-spacing:.18em;
  font-size:.72rem;font-weight:600;color:var(--gold-500)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
.data{font-family:var(--font-data);font-feature-settings:"tnum" 1}

/* ---------- Buttons -------------------------------------------------- */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--font-body);
  font-weight:700;font-size:1rem;padding:.85rem 1.4rem;border-radius:999px;
  border:1.5px solid transparent;cursor:pointer;text-decoration:none;transition:.18s}
.btn-gold{background:var(--gold-500);color:var(--navy-900)}
.btn-gold:hover{background:var(--gold-400);transform:translateY(-1px)}
.btn-navy{background:var(--navy-800);color:#fff}
.btn-navy:hover{background:var(--navy-700)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-outline{background:#fff;color:var(--navy-800);border-color:var(--line)}
.btn-outline:hover{border-color:var(--navy-600)}

/* ---------- Header --------------------------------------------------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(245,248,252,.9);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;
  max-width:var(--wrap);margin:0 auto;padding:14px 22px;gap:1rem}
.brand{display:flex;align-items:center;gap:.6rem;font-family:var(--font-display);
  font-weight:800;font-size:1.28rem;color:var(--navy-800);text-decoration:none;letter-spacing:-.02em}
.brand .mark{width:30px;height:30px;border-radius:8px;background:var(--navy-800);
  display:grid;place-items:center;color:var(--gold-400);font-family:var(--font-data);font-weight:700;font-size:.9rem}
.nav-links{display:flex;align-items:center;gap:.35rem;list-style:none;margin:0;padding:0}
.nav-links a{font-weight:600;font-size:.96rem;color:var(--navy-700);text-decoration:none;
  padding:.5rem .7rem;border-radius:8px}
.nav-links a:hover{background:#fff}
.nav-links a.active{color:var(--navy-900);background:#fff;box-shadow:inset 0 -2px 0 var(--gold-500)}
.nav-cta{margin-left:.4rem}
.hamburger{display:none;background:none;border:0;cursor:pointer;padding:8px;color:var(--navy-800)}
.hamburger svg{width:26px;height:26px}

/* mobile overlay lives OUTSIDE <nav> to avoid the stacking-context bug */
.mobile-menu{position:fixed;inset:0;z-index:60;background:var(--navy-900);
  display:none;flex-direction:column;padding:80px 26px 30px;gap:.4rem}
.mobile-menu.open{display:flex}
.mobile-menu a{color:#fff;text-decoration:none;font-family:var(--font-display);
  font-weight:700;font-size:1.5rem;padding:.7rem 0;border-bottom:1px solid rgba(255,255,255,.1)}
.mobile-menu .btn{margin-top:1.2rem;justify-content:center}
.mobile-close{position:absolute;top:22px;right:22px;background:none;border:0;color:#fff;cursor:pointer}
.mobile-close svg{width:28px;height:28px}

/* ---------- Sections ------------------------------------------------- */
section{padding:74px 0}
.section-navy{background:var(--navy-800);color:#fff}
.section-navy h1,.section-navy h2,.section-navy h3{color:#fff}
.section-navy .lead{color:rgba(255,255,255,.8)}
.center{text-align:center}
.narrow{max-width:720px;margin-inline:auto}

/* ---------- Hero ----------------------------------------------------- */
.hero{background:
    radial-gradient(1100px 500px at 82% -10%, rgba(227,190,91,.16), transparent 60%),
    linear-gradient(180deg,var(--navy-900),var(--navy-800));
  color:#fff;padding:96px 0 88px;overflow:hidden}
.hero .eyebrow{color:var(--gold-400)}
.hero h1{max-width:15ch}
.hero .lead{max-width:52ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.8rem}
.hero-note{margin-top:1.2rem;font-size:.9rem;color:rgba(255,255,255,.6)}

/* ---------- Signature: the match bar --------------------------------- */
.matchbar{margin:2.2rem 0 0;max-width:520px}
.matchbar-track{display:flex;height:56px;border-radius:12px;overflow:hidden;
  border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.05)}
.matchbar-you{background:linear-gradient(180deg,var(--navy-600),var(--navy-700));
  display:flex;align-items:center;justify-content:center;font-family:var(--font-data);
  font-weight:600;font-size:.85rem;color:#fff;transition:flex-basis .6s ease}
.matchbar-match{background:linear-gradient(180deg,var(--gold-400),var(--gold-500));
  display:flex;align-items:center;justify-content:center;font-family:var(--font-data);
  font-weight:700;font-size:.85rem;color:var(--navy-900);transition:flex-basis .6s ease}
.matchbar-legend{display:flex;gap:1.4rem;margin-top:.7rem;font-size:.85rem;color:rgba(255,255,255,.75)}
.dot{display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:.4rem;vertical-align:-1px}
.dot-you{background:var(--navy-600)} .dot-match{background:var(--gold-500)}

/* ---------- Cards ---------------------------------------------------- */
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:26px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.35rem}
.card .ic{width:44px;height:44px;border-radius:11px;background:var(--gold-100);
  color:var(--gold-500);display:grid;place-items:center;margin-bottom:14px;font-size:1.3rem}
.pill{display:inline-block;background:var(--green-100);color:var(--green);
  font-weight:700;font-size:.8rem;padding:.25rem .6rem;border-radius:999px}

/* numbered process steps */
.steps{counter-reset:s;display:grid;gap:16px}
.step{display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:start;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px}
.step::before{counter-increment:s;content:counter(s);font-family:var(--font-display);
  font-weight:800;font-size:1.4rem;color:var(--navy-800);background:var(--gold-100);
  width:46px;height:46px;border-radius:12px;display:grid;place-items:center}

/* ---------- Calculators ---------------------------------------------- */
.tool{background:#fff;border:1px solid var(--line);border-radius:18px;
  box-shadow:var(--shadow);overflow:hidden;max-width:860px;margin-inline:auto}
.tool-head{background:var(--navy-800);color:#fff;padding:20px 26px}
.tool-head h3{color:#fff;margin:0}
.tool-head p{margin:.2rem 0 0;color:rgba(255,255,255,.75);font-size:.95rem}
.tool-body{display:grid;grid-template-columns:1fr 1fr;gap:0}
.tool-inputs{padding:26px;border-right:1px solid var(--line)}
.tool-output{padding:26px;background:var(--paper)}
.field{margin-bottom:16px}
.field label{display:block;font-weight:700;font-size:.9rem;margin-bottom:6px}
.field .hint{font-weight:400;color:var(--ink-soft);font-size:.82rem}
.input,.select{width:100%;font-family:var(--font-body);font-size:1rem;padding:.7rem .8rem;
  border:1.5px solid var(--line);border-radius:var(--radius-sm);background:#fff;color:var(--ink)}
.input:focus,.select:focus{outline:none;border-color:var(--navy-600);box-shadow:0 0 0 3px rgba(28,69,119,.12)}
.input-money{position:relative}
.input-money::before{content:"$";position:absolute;left:.7rem;top:50%;transform:translateY(-50%);color:var(--ink-soft)}
.input-money .input{padding-left:1.5rem}
.input-pct{position:relative}
.input-pct::after{content:"%";position:absolute;right:.8rem;top:50%;transform:translateY(-50%);color:var(--ink-soft)}
input[type=range]{width:100%;accent-color:var(--gold-500)}
.range-val{font-family:var(--font-data);font-weight:700;color:var(--navy-800)}
.readout{margin-bottom:14px}
.readout .k{font-size:.85rem;color:var(--ink-soft);font-weight:600}
.readout .v{font-family:var(--font-data);font-weight:700;font-size:1.9rem;color:var(--navy-800);line-height:1.1}
.readout .v.big{font-size:2.5rem}
.readout .v.good{color:var(--green)}
.readout .v.warn{color:var(--gold-500)}
.callout{background:var(--navy-800);color:#fff;border-radius:12px;padding:16px 18px;margin-top:8px}
.callout .v{font-family:var(--font-data);font-weight:700;font-size:1.7rem;color:var(--gold-400)}
.callout.good{background:var(--green)}
.callout.good .v{color:#fff}
.disclaimer{font-size:.78rem;color:var(--ink-soft);margin-top:12px;line-height:1.4}
.toggle-row{display:inline-flex;background:var(--paper);border:1px solid var(--line);
  border-radius:999px;padding:4px;gap:4px}
.toggle-row button{border:0;background:none;font-family:var(--font-body);font-weight:700;
  font-size:.95rem;padding:.5rem 1.1rem;border-radius:999px;cursor:pointer;color:var(--ink-soft)}
.toggle-row button.on{background:var(--navy-800);color:#fff}

/* ---------- FAQ / glossary ------------------------------------------ */
.acc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;max-width:820px;margin-inline:auto}
.acc details{border-bottom:1px solid var(--line)}
.acc details:last-child{border-bottom:0}
.acc summary{cursor:pointer;list-style:none;padding:18px 22px;font-weight:700;
  display:flex;justify-content:space-between;gap:1rem;font-size:1.05rem;color:var(--ink)}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";font-family:var(--font-data);color:var(--gold-500);font-size:1.4rem;line-height:1}
.acc details[open] summary::after{content:"–"}
.acc .body{padding:0 22px 20px;color:var(--ink-soft)}

/* ---------- CTA band + advisor -------------------------------------- */
.cta-band{background:
    radial-gradient(700px 300px at 15% 120%, rgba(227,190,91,.18), transparent 60%),
    var(--navy-800);color:#fff;border-radius:20px;padding:44px;text-align:center}
.advisor{display:grid;grid-template-columns:auto 1fr;gap:26px;align-items:center;
  background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px;box-shadow:var(--shadow)}
.avatar{width:104px;height:104px;border-radius:50%;background:var(--navy-800);color:var(--gold-400);
  display:grid;place-items:center;font-family:var(--font-display);font-weight:800;font-size:2rem;overflow:hidden}
.avatar img{width:100%;height:100%;object-fit:cover}
.advisor-actions{display:flex;flex-wrap:wrap;gap:.7rem;margin-top:1rem}

/* ---------- Footer --------------------------------------------------- */
.site-footer{background:var(--navy-900);color:rgba(255,255,255,.72);padding:52px 0 30px;font-size:.92rem}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px;margin-bottom:28px}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:.8rem}
.site-footer a{color:rgba(255,255,255,.72);text-decoration:none;display:block;padding:.2rem 0}
.site-footer a:hover{color:#fff}
.footer-disc{border-top:1px solid rgba(255,255,255,.12);padding-top:20px;font-size:.78rem;color:rgba(255,255,255,.5);line-height:1.55}

/* ---------- Responsive ---------------------------------------------- */
@media (max-width:860px){
  .grid-3,.grid-2{grid-template-columns:1fr}
  .tool-body{grid-template-columns:1fr}
  .tool-inputs{border-right:0;border-bottom:1px solid var(--line)}
  .advisor{grid-template-columns:1fr;text-align:center;justify-items:center}
  .footer-top{grid-template-columns:1fr}
  .nav-links,.nav-cta.desktop{display:none}
  .hamburger{display:block}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto}}