/* RMD Answers brand system v2: navy and gold editorial finance */
:root{
  --navy:#0d1a2e; --navy-2:#13253f; --navy-deep:#081222;
  --gold:#c0962f; --gold-deep:#97771f; --gold-soft:#faf3e1; --gold-line:#e6d5a3;
  --ink:#1e2634; --muted:#5b6678; --faint:#8b95a7;
  --line:#dde3ec; --paper:#ffffff; --wash:#f4f6fa;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --radius:12px;
  --shadow:0 12px 32px rgba(13,26,46,.10);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:var(--navy-2);text-underline-offset:3px}
.wrap{max-width:1060px;margin:0 auto;padding:0 24px}
.wrap.narrow{max-width:740px}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;justify-content:space-between;align-items:center;padding-top:14px;padding-bottom:14px;gap:12px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--serif);font-weight:700;font-size:20px;text-decoration:none;color:var(--navy);white-space:nowrap}
.brand-mark{width:30px;height:30px;border-radius:8px;background:linear-gradient(135deg,var(--navy) 55%,var(--gold) 55%);display:inline-flex;align-items:center;justify-content:center;color:#fff;font-size:15px;font-family:var(--serif);font-weight:700;flex:none}
.site-nav{display:flex;align-items:center;gap:4px}
.site-nav a{color:var(--muted);text-decoration:none;font-size:15px;font-weight:500;padding:8px 12px;border-radius:8px}
.site-nav a:hover{color:var(--navy);background:var(--wash)}
.site-nav a.nav-cta{background:var(--navy);color:#fff;font-weight:600;margin-left:8px;padding:9px 18px}
.site-nav a.nav-cta:hover{background:var(--navy-2);color:#fff}
@media (max-width:640px){
  .site-header .wrap{flex-wrap:wrap;row-gap:8px}
  .site-nav{flex-basis:100%;gap:2px}
  .site-nav a{padding:8px 10px;font-size:14px}
  .site-nav a.nav-cta{margin-left:auto}
}

/* ---------- hero ---------- */
.hero{background:radial-gradient(1100px 480px at 18% -10%,#1e3554 0%,transparent 60%),linear-gradient(160deg,var(--navy-deep) 0%,var(--navy) 55%,var(--navy-2) 100%);color:#fff;padding:76px 0 68px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(700px 340px at 85% 110%,rgba(192,150,47,.22),transparent 65%);pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero-badge{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-line);border:1px solid rgba(192,150,47,.45);border-radius:999px;padding:7px 16px;margin-bottom:22px;background:rgba(192,150,47,.08)}
.hero-badge .dot{width:8px;height:8px;border-radius:50%;background:var(--gold);flex:none}
.hero h1{font-family:var(--serif);font-size:clamp(34px,5.2vw,54px);line-height:1.12;letter-spacing:-.01em;margin-bottom:18px;max-width:16em;font-weight:650}
.hero h1 .hl{color:var(--gold);font-style:italic}
.hero .lede{font-size:clamp(17px,2.2vw,20px);color:#c6cfdd;max-width:640px;margin-bottom:32px;line-height:1.6}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:44px}
.hero-stats{display:flex;gap:0;border-top:1px solid rgba(255,255,255,.14);padding-top:26px;flex-wrap:wrap}
.stat{padding:0 34px 0 0;margin-right:34px;border-right:1px solid rgba(255,255,255,.14)}
.stat:last-child{border-right:0;margin-right:0;padding-right:0}
.stat b{display:block;font-family:var(--serif);font-size:30px;color:var(--gold);font-weight:650;letter-spacing:-.01em}
.stat span{font-size:13.5px;color:#aeb8ca}
@media (max-width:640px){
  .hero{padding:52px 0 44px}
  .hero-actions .btn{flex:1 1 100%;text-align:center}
  .stat{padding:0 18px 0 0;margin:0 18px 14px 0}
  .stat b{font-size:24px}
}

/* light page hero (guide, compare, articles) */
.page-hero{padding:56px 0 36px;background:linear-gradient(180deg,var(--wash) 0%,var(--paper) 100%);border-bottom:1px solid var(--line)}
.page-hero h1{font-family:var(--serif);font-size:clamp(30px,4.4vw,42px);line-height:1.18;letter-spacing:-.01em;color:var(--navy);margin-bottom:14px;font-weight:650}
.page-hero .lede{font-size:18px;color:var(--muted);max-width:660px}
.eyebrow{font-size:12.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:12px}

/* ---------- buttons ---------- */
.btn{display:inline-block;background:var(--gold);color:#1d1503;text-decoration:none;padding:14px 30px;border-radius:10px;font-weight:700;font-size:16px;border:1px solid var(--gold);transition:transform .12s ease,box-shadow .12s ease,background .12s ease}
.btn:hover{background:var(--gold-deep);border-color:var(--gold-deep);color:#fff;transform:translateY(-1px);box-shadow:var(--shadow)}
.btn.ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.4)}
.btn.ghost:hover{background:rgba(255,255,255,.1);border-color:#fff;color:#fff;box-shadow:none}
.btn.navy{background:var(--navy);border-color:var(--navy);color:#fff}
.btn.navy:hover{background:var(--navy-2);border-color:var(--navy-2)}
.btn.small{padding:9px 18px;font-size:14.5px;border-radius:8px}

/* ---------- sections ---------- */
.section{padding:64px 0}
.section.alt{background:var(--wash);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section h2{font-family:var(--serif);font-size:clamp(26px,3.4vw,34px);color:var(--navy);letter-spacing:-.01em;margin-bottom:10px;font-weight:650}
.section .section-sub{color:var(--muted);font-size:17px;max-width:680px;margin-bottom:34px}
@media (max-width:640px){.section{padding:44px 0}}

/* ---------- cards ---------- */
.grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media (max-width:680px){.grid{grid-template-columns:1fr}}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:26px;background:#fff;position:relative;transition:transform .14s ease,box-shadow .14s ease,border-color .14s ease}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--gold-line)}
.card::before{content:"";position:absolute;top:0;left:26px;right:26px;height:3px;border-radius:0 0 4px 4px;background:linear-gradient(90deg,var(--gold),var(--gold-line));opacity:0;transition:opacity .14s ease}
.card:hover::before{opacity:1}
.card-icon{width:46px;height:46px;border-radius:12px;background:var(--gold-soft);border:1px solid var(--gold-line);display:flex;align-items:center;justify-content:center;margin-bottom:16px;color:var(--gold-deep);flex:none}
.card-icon svg{width:24px;height:24px}
.card h3{font-size:18px;margin-bottom:8px;color:var(--navy);font-weight:650}
.card p{font-size:15.5px;color:var(--muted)}
.card p strong{color:var(--ink)}

/* regime tiles */
.regimes{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:640px){.regimes{grid-template-columns:1fr}}
.regime{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;padding:18px 20px;transition:box-shadow .14s ease,transform .14s ease}
.regime:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.regime strong{display:block;margin-bottom:4px;font-size:16px;color:var(--navy)}
.regime span{font-size:14.5px;color:var(--muted)}
.regime .tag{display:inline-block;font-size:11.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-deep);background:var(--gold-soft);border:1px solid var(--gold-line);border-radius:999px;padding:3px 10px;margin-bottom:8px}

/* ---------- tables ---------- */
.plan-table{width:100%;border-collapse:separate;border-spacing:0;font-size:15.5px;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff}
.plan-table th,.plan-table td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:middle}
.plan-table tr:last-child th,.plan-table tr:last-child td{border-bottom:0}
.plan-table thead th{background:var(--navy);color:#fff;font-size:14px;font-weight:600}
.plan-table thead th.premium-col{background:linear-gradient(135deg,var(--gold-deep),var(--gold));color:#1d1503}
.plan-table tbody th{font-weight:600;color:var(--ink);font-size:14.5px}
.plan-table td.premium-col{background:var(--gold-soft)}
.check{color:#1e7d3a;font-weight:700}
.cross{color:#c2c8d2}
.table-note{margin-top:14px;font-size:15px;color:var(--muted)}
.table-note strong{color:var(--ink)}

/* compare page */
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.scroll-hint{display:none}
@media (max-width:640px){
  .scroll-hint{display:block;font-size:13px;color:var(--muted);margin:10px 0 0}
  .table-scroll table{font-size:13px}
  .table-scroll th{background:#fff}
  .table-scroll th:first-child,.table-scroll td:first-child{position:sticky;left:0;background:#fff;z-index:1}
  .table-scroll th:first-child{z-index:2}
}
.compare-table{width:100%;border-collapse:collapse;font-size:14px;min-width:720px}
.compare-table th,.compare-table td{text-align:left;padding:11px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.compare-table th{font-size:13px;color:var(--muted);font-weight:600;white-space:nowrap;background:var(--wash)}
.compare-table td:first-child,.compare-table th:first-child{font-weight:600;min-width:200px}
.us{background:var(--gold-soft)}
.partial{color:var(--gold-deep);font-weight:600}
.gap{border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin-bottom:16px;background:#fff}
.gap h3{font-size:17px;margin-bottom:8px;color:var(--navy)}
.gap p{font-size:15px;color:var(--muted)}
.note{font-size:13px;color:var(--muted);margin-top:12px}

/* ---------- faq ---------- */
.faq details{border:1px solid var(--line);border-radius:var(--radius);padding:18px 22px;margin-bottom:12px;background:#fff;transition:border-color .14s ease}
.faq details:hover{border-color:var(--gold-line)}
.faq details[open]{border-color:var(--gold-line);box-shadow:var(--shadow)}
.faq summary{font-weight:650;cursor:pointer;font-size:16.5px;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:22px;font-weight:400;color:var(--gold-deep);flex:none;transition:transform .15s ease}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin-top:10px;color:var(--muted);font-size:15.5px}

/* ---------- content boxes (guide + articles) ---------- */
.article-body{padding:36px 0 8px}
.article-body h2{font-family:var(--serif);font-size:25px;color:var(--navy);margin:34px 0 12px;font-weight:650;letter-spacing:-.01em}
.article-body h3{font-size:18px;margin:24px 0 8px;color:var(--navy)}
.article-body p{margin-bottom:14px;font-size:16.5px;color:#333d4e}
.article-body ul,.article-body ol{margin:0 0 14px 24px;font-size:16.5px;color:#333d4e}
.article-body li{margin-bottom:7px}
.q{background:var(--wash);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin:18px 0}
.q strong.q-label{display:block;font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:var(--gold-deep);margin-bottom:8px}
.outcome{border-left:4px solid var(--gold);background:var(--gold-soft);border-radius:0 var(--radius) var(--radius) 0;padding:14px 18px;margin:18px 0}
.outcome strong{display:block;margin-bottom:4px;color:var(--navy)}
.example{background:var(--wash);border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin:18px 0;font-size:15.5px}
.example strong{display:block;margin-bottom:8px;color:var(--navy)}
.warnbox,.penalty-box{background:#fff8e8;border:1px solid var(--gold-line);border-radius:var(--radius);padding:22px;margin:20px 0;font-size:15.5px}
.warnbox strong,.penalty-box strong{display:block;margin-bottom:6px;color:var(--navy)}
.cpa-box{border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin:20px 0;background:#fff}
.cpa-box strong{color:var(--navy)}
.article-table{width:100%;border-collapse:collapse;font-size:15px;margin:14px 0;background:#fff}
.article-table th,.article-table td{text-align:left;padding:11px 12px;border-bottom:1px solid var(--line)}
.article-table th{font-size:13px;color:var(--muted);font-weight:600;background:var(--wash)}

/* ---------- disclaimer + footer ---------- */
.disclaimer{background:var(--wash);border:1px solid var(--line);border-radius:var(--radius);padding:22px;font-size:13.5px;color:var(--muted);margin:44px 0}
.disclaimer strong{color:var(--ink)}
.site-footer{background:var(--navy-deep);color:#aeb8ca;padding:48px 0 40px;font-size:14px;margin-top:0}
.site-footer .wrap{display:flex;justify-content:space-between;gap:28px;flex-wrap:wrap}
.footer-brand{font-family:var(--serif);font-size:20px;font-weight:700;color:#fff;margin-bottom:10px;display:flex;align-items:center;gap:10px}
.footer-tag{max-width:340px;font-size:14px}
.site-footer nav{display:flex;gap:20px;flex-wrap:wrap;align-content:flex-start}
.site-footer nav a{color:#c6cfdd;text-decoration:none;font-size:14.5px}
.site-footer nav a:hover{color:#fff}
.footer-fine{flex-basis:100%;border-top:1px solid rgba(255,255,255,.12);padding-top:20px;margin-top:8px;font-size:12.5px;color:#7d8798}

/* ---------- print ---------- */
@media print{
  .site-header .site-nav,.btn,.site-footer{display:none}
  .hero,.page-hero{padding:24px 0;background:#fff;color:#000}
  .hero .lede,.hero-badge{color:#333}
  body{font-size:12pt}
}