/* ════════════════════════════════════════════════════════════
   JPS Finance — shared styles for Insights & Legal subpages
   Matches the homepage brand: navy #0F1F3D + gold #C9A84C,
   Playfair Display (serif) + DM Sans (body).
   ════════════════════════════════════════════════════════════ */
@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Mono:wght@400;500;600&family=IBM+Plex+Sans:wght@400;500;600;700&family=Playfair+Display:ital,wght@0,600;0,700;1,600&family=Space+Grotesk:wght@500;600;700&display=swap');
:root{
  --navy:#0F1F3D; --navy-mid:#16294d; --gold:#C8A24B; --gold-light:#E5C57D;
  --gold-pale:#F5EDD6; --gold-dark:#8A6A14; --gold-ink:#2A2206; --white:#fff; --off-white:#F6F8FA;
  --slate:#52617A; --slate-light:#9aa7b8; --text-mid:#3f4d63;
  --border:#E6EBF1; --border-mid:#d8e0ea;
  --sans:'IBM Plex Sans',-apple-system,BlinkMacSystemFont,sans-serif; --serif:'Playfair Display',Georgia,serif; --display:'Space Grotesk',sans-serif; --mono:'IBM Plex Mono',monospace;
  --shadow-sm:0 2px 12px rgba(15,31,61,.06); --shadow-md:0 8px 32px rgba(15,31,61,.09);
  --ease-out:cubic-bezier(0.16,1,0.3,1);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{font-family:var(--sans);color:var(--navy);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
a{color:inherit}

/* ── Header ── */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.86);backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--border)}
.site-header .wrap{max-width:1080px;margin:0 auto;padding:16px clamp(20px,5vw,40px);display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{font-family:var(--serif);font-size:22px;font-weight:700;color:var(--navy);text-decoration:none;letter-spacing:-.01em;display:flex;align-items:center}
.brand-logo{height:38px;width:auto;display:block}
.brand .accent{color:var(--gold)}
.site-header nav{display:flex;align-items:center;gap:26px}
.site-header nav a{font-size:14px;font-weight:500;color:var(--slate);text-decoration:none;transition:color .15s}
.site-header nav a:hover{color:var(--navy)}
.site-header nav a.cta{background:var(--navy);color:#fff;padding:9px 18px;border-radius:8px;font-weight:600}
.site-header nav a.cta:hover{background:var(--navy-mid);color:#fff}
@media(max-width:680px){.site-header nav a:not(.cta){display:none}}

/* ── Page shell ── */
.page{max-width:760px;margin:0 auto;padding:clamp(40px,6vw,72px) clamp(20px,5vw,40px) 40px}
.page.wide{max-width:1080px}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:16px}
.breadcrumb{font-size:13px;color:var(--slate-light);margin-bottom:22px}
.breadcrumb a{color:var(--slate);text-decoration:none}
.breadcrumb a:hover{color:var(--navy)}

h1.page-title{font-family:var(--serif);font-size:clamp(28px,4.6vw,46px);font-weight:700;line-height:1.14;color:var(--navy);letter-spacing:-.01em;margin-bottom:18px}
.lede{font-size:clamp(17px,2.2vw,20px);color:var(--text-mid);line-height:1.6;margin-bottom:14px}
.meta-row{display:flex;flex-wrap:wrap;gap:8px 16px;align-items:center;font-size:13px;color:var(--slate-light);margin-bottom:34px;padding-bottom:26px;border-bottom:1px solid var(--border)}
.meta-row .tag{background:var(--gold-pale);color:var(--gold-dark);font-weight:700;padding:4px 12px;border-radius:100px;font-size:11.5px;letter-spacing:.04em;text-transform:uppercase}

/* ── Article / legal body ── */
.prose h2{font-family:var(--serif);font-size:clamp(22px,3vw,29px);font-weight:600;color:var(--navy);line-height:1.25;margin:46px 0 16px}
.prose h3{font-family:var(--serif);font-size:clamp(18px,2.3vw,22px);font-weight:600;color:var(--navy);margin:32px 0 12px}
.prose p{font-size:16.5px;color:var(--text-mid);margin-bottom:18px;line-height:1.7}
.prose ul,.prose ol{margin:0 0 20px;padding-left:4px;list-style:none}
.prose ol{counter-reset:li}
.prose li{position:relative;padding-left:30px;margin-bottom:12px;font-size:16.5px;color:var(--text-mid);line-height:1.6}
.prose ul li::before{content:"";position:absolute;left:4px;top:11px;width:7px;height:7px;border-radius:50%;background:var(--gold)}
.prose ol li::before{counter-increment:li;content:counter(li);position:absolute;left:0;top:1px;width:22px;height:22px;background:var(--navy);color:#fff;border-radius:50%;font-size:12px;font-weight:700;display:flex;align-items:center;justify-content:center}
.prose strong{color:var(--navy);font-weight:600}
.prose a{color:var(--gold-dark);font-weight:600;text-decoration:underline;text-underline-offset:2px}
.prose blockquote{border-left:3px solid var(--gold);padding:6px 0 6px 22px;margin:24px 0;color:var(--navy);font-size:18px;font-style:italic}
.prose hr{border:none;border-top:1px solid var(--border);margin:40px 0}

/* callout box (risk / note) */
.callout{background:var(--off-white);border:1px solid var(--border);border-left:3px solid var(--gold);border-radius:12px;padding:20px 24px;margin:26px 0}
.callout .callout-label{font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:8px}
.callout p{margin-bottom:0;font-size:15px}

/* legal "review" notice */
.review-note{background:#FFF8E6;border:1px solid #EBD9A3;border-radius:12px;padding:14px 18px;margin-bottom:32px;font-size:13.5px;color:#6B5A2E;line-height:1.55}
.updated{font-size:13px;color:var(--slate-light);margin-bottom:30px}

/* article meta: published / reviewed */
.meta-row .reviewed{color:var(--gold-dark);font-weight:600}
.change-note{display:block;background:var(--off-white);border:1px dashed var(--border-mid);border-radius:10px;padding:12px 16px;margin:24px 0;font-size:13px;color:var(--slate);line-height:1.55}

/* worked example (input / draft / checks) */
.worked{display:grid;gap:14px;margin:24px 0}
.worked-box{border:1px solid var(--border);border-radius:12px;padding:16px 18px;background:var(--white)}
.worked-box.input{border-left:3px solid var(--slate-light)}
.worked-box.draft{border-left:3px solid var(--gold)}
.worked-box.checks{border-left:3px solid var(--navy);background:var(--off-white)}
.worked-box .wk-label{font-size:11px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:7px}
.worked-box p{margin:0;font-size:15px;line-height:1.6;color:var(--text-mid)}
.worked-box ul{margin:6px 0 0;padding-left:2px}

/* comparison table */
.cmp-wrap{overflow-x:auto;margin:24px 0;border:1px solid var(--border);border-radius:12px}
.cmp-table{width:100%;border-collapse:collapse;min-width:560px;font-size:13.5px}
.cmp-table th,.cmp-table td{text-align:left;padding:12px 16px;border-bottom:1px solid var(--border);vertical-align:top;line-height:1.45}
.cmp-table thead th{background:var(--navy);color:#fff;font-weight:600;font-size:13px}
.cmp-table thead th:first-child{border-top-left-radius:12px}
.cmp-table tbody tr:last-child td{border-bottom:none}
.cmp-table td:first-child,.cmp-table th:first-child{font-weight:600;color:var(--navy)}
.cmp-table tbody tr:nth-child(even){background:var(--off-white)}

/* readiness scorecard */
.score-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:26px 0}
.score-card{border-radius:14px;padding:20px 20px 22px;border:1px solid var(--border)}
.score-card .dot{width:14px;height:14px;border-radius:50%;display:inline-block;margin-bottom:12px}
.score-card h4{font-family:var(--serif);font-size:18px;font-weight:600;margin:0 0 8px;color:var(--navy)}
.score-card p{font-size:13.5px;line-height:1.55;color:var(--text-mid);margin:0}
.score-card.green{background:#F0F6F1}.score-card.green .dot{background:#3C8C4F}
.score-card.amber{background:#FCF6E9}.score-card.amber .dot{background:#D9A300}
.score-card.red{background:#FCEFEE}.score-card.red .dot{background:#C0473F}
@media(max-width:760px){.score-grid{grid-template-columns:1fr}}

/* single article CTA + related links */
.article-cta{margin:48px 0 0;text-align:center}
.article-cta .btn{display:inline-block;text-decoration:none;font-weight:700;font-size:15px;padding:15px 34px;border-radius:10px;background:var(--navy);color:#fff;transition:background .2s,transform .15s}
.article-cta .btn:hover{background:var(--navy-mid);transform:translateY(-2px)}
.article-cta .cta-line{font-size:15px;color:var(--text-mid);margin:0 0 16px}
.related{margin:46px 0 0;border-top:1px solid var(--border);padding-top:26px}
.related h3{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--slate-light);margin:0 0 14px}
.related a{display:block;font-family:var(--serif);font-size:16px;color:var(--navy);text-decoration:none;padding:9px 0;border-bottom:1px solid var(--border)}
.related a:last-child{border-bottom:none}
.related a:hover{color:var(--gold-dark)}
.related a::before{content:"→ ";color:var(--gold)}

/* ── End CTA ── */
.end-cta{margin:52px 0 0;background:var(--navy);border-radius:20px;padding:clamp(28px,4vw,44px);text-align:center;color:#fff;position:relative;overflow:hidden}
.end-cta::after{content:'';position:absolute;top:-40%;right:-10%;width:360px;height:360px;background:radial-gradient(circle,rgba(201,168,76,.26),transparent 62%);pointer-events:none}
.end-cta h2{font-family:var(--serif);font-size:clamp(22px,3vw,30px);font-weight:600;color:#fff;margin:0 0 12px;position:relative}
.end-cta p{color:rgba(255,255,255,.82);font-size:16px;max-width:520px;margin:0 auto 24px;position:relative}
.btn-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;position:relative}
.btn{display:inline-block;text-decoration:none;font-weight:700;font-size:15px;padding:14px 30px;border-radius:10px;transition:transform .15s,background .2s}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-light);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-ghost:hover{border-color:#fff;transform:translateY(-2px)}

/* ── Insights index grid ── */
.insights-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:40px}
.i-card{display:flex;flex-direction:column;background:var(--white);border:1px solid var(--border);border-radius:18px;padding:28px 26px;text-decoration:none;box-shadow:var(--shadow-sm);transition:transform .2s var(--ease-out),box-shadow .2s,border-color .2s}
.i-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--border-mid)}
.i-card .tag{font-size:11.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:14px}
.i-card h2{font-family:var(--serif);font-size:20px;font-weight:600;line-height:1.28;color:var(--navy);margin:0 0 12px}
.i-card p{font-size:14.5px;line-height:1.6;color:var(--text-mid);margin:0 0 20px;flex:1}
.i-card .read{font-size:13.5px;font-weight:700;color:var(--navy)}
.i-card:hover .read{color:var(--gold-dark)}
@media(max-width:880px){.insights-grid{grid-template-columns:1fr}}

/* ── Footer ── */
.site-footer{border-top:1px solid var(--border);margin-top:64px;background:var(--off-white)}
.site-footer .wrap{max-width:1080px;margin:0 auto;padding:34px clamp(20px,5vw,40px);display:flex;flex-wrap:wrap;gap:14px 26px;align-items:center;justify-content:space-between}
.site-footer .brand{font-size:18px}
.site-footer .links{display:flex;flex-wrap:wrap;gap:18px}
.site-footer a{font-size:13px;color:var(--slate);text-decoration:none}
.site-footer a:hover{color:var(--navy)}
.site-footer .copy{font-size:12.5px;color:var(--slate-light);width:100%;padding-top:8px}

/* ── Brand alignment with the homepage (IBM Plex + Space Grotesk + gold #C8A24B) ── */
.site-footer .brand-logo{height:30px}
.eyebrow,.g-eyebrow,.i-card .tag,.g-badge,.callout .callout-label,.worked-box .wk-label,.related h3{font-family:var(--mono)}
.g-h2,.end-cta h2,.g-bridge h2,.g-final .g-h2{font-family:var(--display);letter-spacing:-.01em}
.site-header nav a.cta{background:var(--gold);color:var(--gold-ink)}
.site-header nav a.cta:hover{background:var(--gold-light);color:var(--gold-ink)}

/* ── Product / marketing page system (.g-*) shared by product pages ── */
.g-hero{max-width:1080px;margin:0 auto;padding:clamp(36px,5vw,64px) clamp(20px,5vw,40px) clamp(28px,4vw,44px);display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.g-badge{display:inline-block;font-family:var(--mono);font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-ink);background:var(--gold);padding:6px 14px;border-radius:100px;margin-bottom:16px}
.g-hero h1{font-family:var(--serif);font-size:clamp(30px,4.4vw,50px);font-weight:700;color:var(--navy);line-height:1.08;margin:0 0 16px;letter-spacing:-.01em}
.g-hero h1 .em{font-style:italic;color:var(--gold-dark)}
.g-hero .lede{font-size:17px;line-height:1.6;color:var(--text-mid);margin:0 0 22px}
.g-price{font-family:var(--serif);display:flex;align-items:baseline;gap:10px;margin-bottom:5px}
.g-price b{font-size:44px;font-weight:700;color:var(--navy);line-height:1}
.g-price s{font-size:22px;color:var(--slate-light);font-weight:600}
.g-price span{font-size:15px;color:var(--slate);font-weight:600}
.g-instant{font-size:13px;color:var(--slate-light);margin-bottom:22px}
.g-cta-row{display:flex;gap:14px;flex-wrap:wrap}
.g-cover{border-radius:16px;overflow:hidden;box-shadow:var(--shadow-md);border:1px solid var(--border)}
.g-cover img{display:block;width:100%;height:auto}
.g-band{background:var(--off-white);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.g-sec{max-width:1080px;margin:0 auto;padding:clamp(48px,6vw,80px) clamp(20px,5vw,40px)}
.g-sec.narrow{max-width:820px}
.g-eyebrow{font-family:var(--mono);font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:12px;text-align:center}
.g-h2{font-family:var(--display);font-size:clamp(24px,3.2vw,34px);font-weight:700;color:var(--navy);line-height:1.2;text-align:center;margin:0 auto 14px;max-width:720px;letter-spacing:-.01em}
.g-intro{text-align:center;max-width:660px;margin:0 auto 36px;color:var(--text-mid);font-size:16px;line-height:1.65}
.g-grid2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.g-grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.g-card{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:26px 26px 28px;box-shadow:var(--shadow-sm)}
.g-card h3{font-family:var(--display);font-size:18px;font-weight:600;color:var(--navy);margin:0 0 12px}
.g-list{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.g-list li{position:relative;padding-left:26px;font-size:14.5px;line-height:1.5;color:var(--text-mid)}
.g-list li .ck{position:absolute;left:0;top:0;color:var(--gold-dark);font-weight:800}
.g-tools{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:10px 20px}
.g-tools li{font-size:14.5px;color:var(--text-mid);padding-left:30px;position:relative;line-height:1.4}
.g-tools li b{color:var(--navy);font-weight:600}
.g-tools li::before{content:attr(data-n);position:absolute;left:0;top:0;font-family:var(--mono);font-size:11px;font-weight:700;color:var(--gold-dark)}
.g-ladder{width:100%;border-collapse:collapse;font-size:14px;background:var(--white);border:1px solid var(--border);border-radius:14px;overflow:hidden}
.g-ladder th,.g-ladder td{text-align:left;padding:13px 18px;border-bottom:1px solid var(--border)}
.g-ladder thead th{background:var(--navy);color:#fff;font-weight:600;font-size:13px}
.g-ladder td:first-child{font-weight:700;color:var(--navy)}
.g-ladder tbody tr:last-child td{border-bottom:none}
.g-bridge{background:var(--navy);border-radius:20px;padding:clamp(28px,4vw,46px);color:#fff;position:relative;overflow:hidden}
.g-bridge::after{content:'';position:absolute;top:-40%;right:-8%;width:340px;height:340px;background:radial-gradient(circle,rgba(200,162,75,.25),transparent 62%)}
.g-bridge h2{font-family:var(--display);font-size:clamp(22px,3vw,30px);font-weight:700;color:#fff;margin:0 0 14px;position:relative}
.g-bridge p{color:rgba(255,255,255,.85);font-size:15.5px;line-height:1.65;max-width:640px;margin:0 0 16px;position:relative}
.g-bridge ul{position:relative;margin:0 0 22px;padding:0;list-style:none;display:grid;gap:8px;max-width:640px}
.g-bridge li{position:relative;padding-left:24px;font-size:14.5px;color:rgba(255,255,255,.9);line-height:1.5}
.g-bridge li::before{content:"→";position:absolute;left:0;color:var(--gold-light);font-weight:700}
.g-promise{background:var(--off-white);border:1px solid var(--border);border-radius:14px;padding:20px 24px;margin-top:30px;font-size:13.5px;color:var(--text-mid);line-height:1.65}
.g-promise b{color:var(--navy)}
.g-final{text-align:center}
.g-final .g-price{justify-content:center}
@media(max-width:860px){.g-hero{grid-template-columns:1fr}.g-cover{max-width:340px;margin:0 auto}.g-grid2,.g-grid3{grid-template-columns:1fr}.g-tools{grid-template-columns:1fr}}