/* Card Lab — navy/gold card-wallet feel, mobile-first */
:root {
  --navy: #0b1f3a;
  --navy-mid: #143056;
  --navy-soft: #1c3d6b;
  --gold: #c9a227;
  --gold-bright: #e0b83a;
  --gold-soft: #f5e9c4;
  --cream: #f7f4ec;
  --ink: #1a1a1a;
  --muted: #5a6570;
  --white: #ffffff;
  --border: #d8d2c4;
  --shadow: 0 8px 24px rgba(11, 31, 58, 0.12);
  --radius: 14px;
  --font: "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", Arial, sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  background: var(--cream);
  color: var(--ink);
  line-height: 1.55;
  min-height: 100vh;
}

a {
  color: var(--navy-mid);
  text-decoration-thickness: 1.5px;
  text-underline-offset: 2px;
}

a:hover {
  color: var(--gold);
}

.wrap {
  width: min(960px, 100% - 2rem);
  margin-inline: auto;
}

/* Header */
.site-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 60%, var(--navy-soft) 100%);
  color: var(--white);
  padding: 1.25rem 0 1.5rem;
  border-bottom: 4px solid var(--gold);
}

.brand-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem 1.25rem;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
  color: inherit;
}

.brand:hover {
  color: inherit;
}

.brand-mark {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: linear-gradient(145deg, var(--gold-bright), var(--gold));
  color: var(--navy);
  font-weight: 800;
  font-size: 0.95rem;
  display: grid;
  place-items: center;
  letter-spacing: -0.02em;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.25);
}

.brand-text strong {
  display: block;
  font-size: 1.2rem;
  letter-spacing: 0.01em;
}

.brand-text span {
  font-size: 0.8rem;
  opacity: 0.85;
}

.nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1rem;
  font-size: 0.95rem;
}

.nav-links a {
  color: var(--gold-soft);
  text-decoration: none;
  font-weight: 600;
}

.nav-links a:hover,
.nav-links a[aria-current="page"] {
  color: var(--gold-bright);
  text-decoration: underline;
}

.hero {
  padding: 1.75rem 0 0.5rem;
}

.hero h1 {
  margin: 0 0 0.75rem;
  font-size: clamp(1.55rem, 4.5vw, 2.15rem);
  line-height: 1.2;
  letter-spacing: -0.02em;
  max-width: 24ch;
}

.hero p {
  margin: 0;
  max-width: 38rem;
  font-size: 1.05rem;
  opacity: 0.92;
}

.badge-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-top: 1rem;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(201, 162, 39, 0.45);
  color: var(--gold-soft);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 0.3rem 0.65rem;
  border-radius: 999px;
}

/* Main */
main {
  padding: 1.75rem 0 2.5rem;
}

.section-label {
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--muted);
  margin: 0 0 0.85rem;
}

.path-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: 1fr;
}

@media (min-width: 640px) {
  .path-grid {
    grid-template-columns: 1fr 1fr;
  }
}

.path-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem 1.25rem 1.35rem;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  transition: border-color 0.15s ease, transform 0.15s ease;
}

.path-card:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
}

.path-card h2 {
  margin: 0;
  font-size: 1.15rem;
  color: var(--navy);
}

.path-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--gold-soft);
  color: var(--navy);
  display: grid;
  place-items: center;
  font-size: 1.2rem;
  font-weight: 700;
}

.path-card p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
  flex: 1;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  min-height: 48px;
  padding: 0.75rem 1.15rem;
  border-radius: 10px;
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}

.btn-primary {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}

.btn-primary:hover {
  background: var(--navy-soft);
  color: var(--gold-soft);
  border-color: var(--navy-soft);
}

.btn-gold {
  background: var(--gold);
  color: var(--navy);
  border-color: var(--gold);
}

.btn-gold:hover {
  background: var(--gold-bright);
  color: var(--navy);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}

.btn-outline:hover {
  background: var(--navy);
  color: var(--white);
}

.btn-block {
  width: 100%;
}

.panel {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.35rem 1.35rem 1.5rem;
  box-shadow: var(--shadow);
  margin-top: 1.5rem;
}

.panel h2 {
  margin: 0 0 0.65rem;
  font-size: 1.25rem;
  color: var(--navy);
}

.panel p {
  margin: 0 0 0.85rem;
  color: var(--muted);
}

.panel ul {
  margin: 0 0 1.1rem;
  padding-left: 1.2rem;
  color: var(--ink);
}

.panel li {
  margin-bottom: 0.4rem;
}

.cta-stack {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}

@media (min-width: 520px) {
  .cta-stack {
    flex-direction: row;
    flex-wrap: wrap;
  }

  .cta-stack .btn {
    flex: 1 1 auto;
  }
}

.note {
  font-size: 0.88rem;
  color: var(--muted);
  margin: 0.85rem 0 0;
}

.related {
  margin-top: 1.75rem;
  padding: 1.1rem 1.25rem;
  border-radius: var(--radius);
  background: var(--navy);
  color: var(--white);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.85rem;
}

.related p {
  margin: 0;
  max-width: 36rem;
  font-size: 0.95rem;
  opacity: 0.95;
}

.related a.btn {
  white-space: nowrap;
}

.related a:not(.btn) {
  color: var(--gold-soft);
  font-weight: 600;
}

/* Footer */
.site-footer {
  background: var(--navy);
  color: rgba(255, 255, 255, 0.88);
  padding: 1.75rem 0 2.25rem;
  border-top: 4px solid var(--gold);
  font-size: 0.88rem;
}

.site-footer a {
  color: var(--gold-soft);
}

.site-footer a:hover {
  color: var(--gold-bright);
}

.site-footer h2 {
  margin: 0 0 0.5rem;
  font-size: 0.95rem;
  color: var(--gold);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.site-footer p {
  margin: 0 0 0.65rem;
  max-width: 52rem;
}

.footer-meta {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.25rem;
  font-size: 0.82rem;
  opacity: 0.9;
}

/* Housing Money Path journey strip */
.journey-strip {
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  padding: 1.25rem 1.25rem 1.35rem;
  box-shadow: var(--shadow);
  margin-bottom: 1.75rem;
}

.journey-title {
  margin: 0 0 0.55rem;
  font-size: clamp(1.1rem, 3.5vw, 1.35rem);
  color: var(--navy);
  letter-spacing: -0.01em;
}

.journey-lede {
  margin: 0 0 1rem;
  color: var(--muted);
  font-size: 0.95rem;
  max-width: 42rem;
}

.journey-steps {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.45rem;
}

.journey-steps li {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 0.35rem 0.65rem;
  font-size: 0.92rem;
  color: var(--ink);
}

.journey-step-label {
  display: inline-flex;
  min-width: 5.5rem;
  font-weight: 700;
  color: var(--navy);
  font-size: 0.82rem;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}

@media (min-width: 640px) {
  .journey-steps {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 0.5rem 1.25rem;
  }

  .journey-steps li {
    flex-direction: column;
    gap: 0.15rem;
    flex: 1 1 0;
    min-width: 6.5rem;
  }

  .journey-step-label {
    min-width: 0;
  }
}

/* CardFinder hop */
.cardfinder-panel {
  margin-top: 1.25rem;
  padding: 1.15rem 1.25rem;
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--gold-soft) 0%, #fff 70%);
  border: 1px solid var(--gold);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.85rem 1.25rem;
}

.cardfinder-panel h2 {
  margin: 0 0 0.25rem;
  font-size: 1.05rem;
  color: var(--navy);
}

.cardfinder-panel p {
  margin: 0;
  color: var(--muted);
  font-size: 0.92rem;
  max-width: 28rem;
}

.cardfinder-panel .btn {
  flex-shrink: 0;
}

/* Date-stamp note */
.date-stamp {
  margin: 1rem 0 0;
  padding-top: 0.75rem;
  border-top: 1px dashed var(--border);
  font-size: 0.82rem;
  color: var(--muted);
  font-style: italic;
}

/* Related multi-CTA */
.related-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
}

.related-outline {
  border-color: var(--gold-soft);
  color: var(--gold-soft);
}

.related-outline:hover {
  background: var(--gold-soft);
  color: var(--navy);
  border-color: var(--gold-soft);
}

code {
  font-size: 0.9em;
  background: var(--gold-soft);
  color: var(--navy);
  padding: 0.1rem 0.35rem;
  border-radius: 4px;
}

/* Interactive tenant checklist */
.checklist-toolbar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem 1rem;
  margin: 1rem 0 0.85rem;
  padding: 0.85rem 1rem;
  background: linear-gradient(135deg, var(--gold-soft) 0%, #fff 65%);
  border: 1px solid var(--gold);
  border-radius: 10px;
}

.checklist-progress {
  margin: 0;
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy);
}

.checklist-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
}

.checklist-actions .btn {
  min-height: 42px;
  padding: 0.55rem 0.9rem;
  font-size: 0.9rem;
}

.checklist-reset {
  font-weight: 600;
}

.checklist-copy-status {
  margin: 0.5rem 0 0;
  font-size: 0.88rem;
  color: var(--navy-mid);
  font-weight: 600;
}

.checklist {
  list-style: none;
  margin: 0 0 1rem;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}

.checklist-item {
  margin: 0;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--cream);
  transition: border-color 0.15s ease, background 0.15s ease;
}

.checklist-item:hover {
  border-color: var(--gold);
}

.checklist-item.is-checked {
  background: #fff;
  border-color: rgba(201, 162, 39, 0.65);
}

.checklist-item label {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  padding: 0.85rem 1rem;
  cursor: pointer;
}

.checklist-item input[type="checkbox"] {
  width: 1.2rem;
  height: 1.2rem;
  margin-top: 0.2rem;
  flex-shrink: 0;
  accent-color: var(--navy);
  cursor: pointer;
}

.checklist-body {
  display: flex;
  flex-direction: column;
  gap: 0.2rem;
  min-width: 0;
}

.checklist-body strong {
  color: var(--navy);
  font-size: 0.98rem;
}

.checklist-hint {
  color: var(--muted);
  font-size: 0.9rem;
  line-height: 1.45;
}

.checklist-export {
  margin: 0.75rem 0 0.5rem;
  font-size: 0.92rem;
  color: var(--navy-mid);
}

.checklist-export summary {
  cursor: pointer;
  font-weight: 600;
  margin-bottom: 0.5rem;
}

.checklist-export textarea {
  width: 100%;
  min-height: 10rem;
  padding: 0.75rem 0.85rem;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  font-size: 0.82rem;
  line-height: 1.45;
  color: var(--ink);
  background: var(--cream);
  resize: vertical;
}

.tenant-cta {
  margin-top: 1rem;
}

.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

@media print {
  .site-header .nav-links,
  .site-footer,
  .related,
  .cta-stack,
  .checklist-actions,
  .no-print,
  .tenant-cta,
  .insurance-sticky-cta {
    display: none !important;
  }

  .site-header {
    border-bottom: 2px solid var(--navy);
    padding-bottom: 0.75rem;
  }

  .checklist-toolbar {
    background: none;
    border: none;
    padding: 0;
  }

  .checklist-item {
    break-inside: avoid;
    background: #fff;
  }

  body {
    background: #fff;
  }

  .panel {
    box-shadow: none;
    border: 1px solid #ccc;
  }
}

/* —— Housing Path quiz —— */
.path-quiz {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.35rem 1.35rem 1.5rem;
  box-shadow: var(--shadow);
  margin-bottom: 1.75rem;
}

.path-quiz-header {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-start;
  justify-content: space-between;
  gap: 0.75rem 1rem;
  margin-bottom: 1rem;
}

.path-quiz-header h2 {
  margin: 0 0 0.35rem;
  font-size: 1.25rem;
  color: var(--navy);
}

.path-quiz-header p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
  max-width: 36rem;
}

.quiz-progress {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 0.35rem;
  min-width: 7rem;
}

.quiz-progress-label {
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
}

.quiz-progress-bar {
  width: 7rem;
  height: 0.45rem;
  background: var(--cream);
  border: 1px solid var(--border);
  border-radius: 999px;
  overflow: hidden;
}

.quiz-progress-fill {
  height: 100%;
  width: 0%;
  background: linear-gradient(90deg, var(--gold), var(--gold-bright));
  border-radius: 999px;
  transition: width 0.2s ease;
}

.quiz-step[hidden],
.quiz-result[hidden] {
  display: none !important;
}

.quiz-question {
  margin: 0 0 0.85rem;
  font-size: 1.05rem;
  color: var(--navy);
  font-weight: 700;
}

.quiz-options {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
  margin: 0;
  padding: 0;
  border: 0;
}

.quiz-option {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin: 0;
  padding: 0.85rem 1rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--cream);
  cursor: pointer;
  transition: border-color 0.15s ease, background 0.15s ease;
}

.quiz-option:hover,
.quiz-option:focus-within {
  border-color: var(--gold);
}

.quiz-option:has(input:checked),
.quiz-option.is-selected {
  background: #fff;
  border-color: rgba(201, 162, 39, 0.75);
  box-shadow: inset 0 0 0 1px rgba(201, 162, 39, 0.35);
}

.quiz-option input {
  width: 1.15rem;
  height: 1.15rem;
  margin-top: 0.15rem;
  flex-shrink: 0;
  accent-color: var(--navy);
  cursor: pointer;
}

.quiz-option-text {
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
  min-width: 0;
}

.quiz-option-text strong {
  color: var(--navy);
  font-size: 0.98rem;
}

.quiz-option-text span {
  color: var(--muted);
  font-size: 0.88rem;
  line-height: 1.4;
}

.quiz-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.55rem;
  margin-top: 1.1rem;
}

.quiz-nav .btn {
  min-height: 44px;
  padding: 0.6rem 1rem;
  font-size: 0.95rem;
}

.quiz-result {
  margin-top: 0.25rem;
}

.quiz-result-rank {
  margin: 0 0 1rem;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}

.quiz-result-rank li {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  padding: 0.85rem 1rem;
  border-radius: 10px;
  border: 1px solid var(--border);
  background: var(--cream);
}

.quiz-rank-num {
  flex-shrink: 0;
  width: 1.75rem;
  height: 1.75rem;
  border-radius: 999px;
  background: var(--navy);
  color: var(--gold-soft);
  font-weight: 800;
  font-size: 0.85rem;
  display: grid;
  place-items: center;
}

.quiz-rank-body strong {
  display: block;
  color: var(--navy);
  margin-bottom: 0.15rem;
}

.quiz-rank-body p {
  margin: 0;
  color: var(--muted);
  font-size: 0.9rem;
}

.quiz-result-ctas {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  margin-top: 0.25rem;
}

@media (min-width: 520px) {
  .quiz-result-ctas {
    flex-direction: row;
    flex-wrap: wrap;
  }

  .quiz-result-ctas .btn {
    flex: 1 1 auto;
  }
}

.quiz-result-meta {
  margin: 0.85rem 0 0;
  font-size: 0.88rem;
  color: var(--muted);
}

/* Journey strip as clearer step links */
.journey-steps a.journey-step-link {
  color: var(--navy-mid);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.journey-steps a.journey-step-link:hover {
  color: var(--gold);
}

.journey-step-note {
  font-size: 0.85rem;
  color: var(--muted);
}

/* Guides cluster (nav + footer) */
.nav-guides {
  position: relative;
}

.nav-guides summary {
  list-style: none;
  cursor: pointer;
  color: var(--gold-soft);
  font-weight: 600;
  font-size: 0.95rem;
}

.nav-guides summary::-webkit-details-marker {
  display: none;
}

.nav-guides summary::after {
  content: " ▾";
  font-size: 0.75em;
  opacity: 0.85;
}

.nav-guides[open] summary,
.nav-guides summary:hover {
  color: var(--gold-bright);
  text-decoration: underline;
}

.nav-guides-menu {
  position: absolute;
  right: 0;
  top: calc(100% + 0.4rem);
  z-index: 20;
  min-width: 16rem;
  background: var(--white);
  color: var(--ink);
  border: 1px solid var(--border);
  border-radius: 10px;
  box-shadow: var(--shadow);
  padding: 0.5rem;
  display: flex;
  flex-direction: column;
  gap: 0.15rem;
}

.nav-guides-menu a {
  color: var(--navy-mid);
  text-decoration: none;
  font-weight: 600;
  font-size: 0.88rem;
  padding: 0.45rem 0.65rem;
  border-radius: 6px;
}

.nav-guides-menu a:hover {
  background: var(--gold-soft);
  color: var(--navy);
}

.guides-cluster {
  margin-top: 1rem;
}

.guides-cluster h3 {
  margin: 0 0 0.45rem;
  font-size: 0.82rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold);
}

.guides-cluster ul {
  margin: 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem 1rem;
}

.guides-cluster a {
  font-size: 0.85rem;
}

/* Landing page extras */
.fit-checklist {
  list-style: none;
  margin: 0 0 1rem;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.fit-checklist li {
  margin: 0;
  padding: 0.75rem 1rem;
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--cream);
  color: var(--ink);
}

.fit-checklist li strong {
  color: var(--navy);
  display: block;
  margin-bottom: 0.15rem;
}

.faq-list {
  margin: 0;
  padding: 0;
}

.faq-list details {
  border: 1px solid var(--border);
  border-radius: 10px;
  background: var(--cream);
  margin-bottom: 0.5rem;
  padding: 0.75rem 1rem;
}

.faq-list summary {
  cursor: pointer;
  font-weight: 700;
  color: var(--navy);
}

.faq-list details p {
  margin: 0.55rem 0 0;
  color: var(--muted);
  font-size: 0.95rem;
}

.hero-cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-top: 1.1rem;
}

.insurance-hero-cta {
  margin: 1.25rem 0 0;
}

.insurance-hero-cta .btn {
  min-height: 48px;
}


/* Insurance CTA readiness + Spend smart pairing */
.insurance-hero-cta {
  max-width: 46rem;
  padding: 1rem;
  border: 1px solid rgba(201, 162, 39, 0.6);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.08);
  transition: background 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.insurance-hero-cta p { margin: 0 0 0.65rem; font-size: 0.92rem; }
.insurance-hero-cta.is-ready {
  background: rgba(224, 184, 58, 0.2);
  border-color: var(--gold-bright);
  box-shadow: 0 0 0 3px rgba(224, 184, 58, 0.18);
}
.hero-helper-link {
  display: inline-block;
  margin-top: 0.7rem;
  color: var(--gold-soft);
  font-size: 0.88rem;
  font-weight: 600;
}
.hero-helper-link:hover { color: var(--gold-bright); }
.spend-pairing {
  margin-top: 1.1rem;
  padding: 1rem;
  border-radius: 10px;
  border: 1px solid var(--gold);
  background: linear-gradient(135deg, var(--gold-soft), #fff 72%);
}
.spend-pairing h3 { margin: 0 0 0.2rem; color: var(--navy); font-size: 1.05rem; }
.spend-pairing p { margin: 0 0 0.65rem; font-size: 0.9rem; }
.spend-pairing-links { display: flex; flex-wrap: wrap; gap: 0.45rem 1rem; }
.spend-pairing-links a { font-weight: 700; font-size: 0.9rem; }
@media (max-width: 519px) {
  .insurance-hero-cta .btn { width: 100%; }
  .nav-guides-menu { position: static; margin-top: 0.4rem; min-width: min(16rem, 85vw); }
}

.path-card.is-quiz-highlight {
  border-color: var(--gold);
  box-shadow: 0 0 0 2px rgba(201, 162, 39, 0.35), var(--shadow);
}


/* P0 unique-spin additions */
button,
input,
textarea {
  font: inherit;
}

#path-quiz,
#paths,
#own-when-ready,
#tenant-checklist {
  scroll-margin-top: 1rem;
}

.quiz-error {
  margin: 0.85rem 0 0;
  color: #8b1e1e;
  font-size: 0.9rem;
  font-weight: 700;
}

.protect-strip {
  margin: -0.25rem 0 1.75rem;
  padding: 1rem 1.15rem;
  border: 1px solid var(--gold);
  border-left: 5px solid var(--gold);
  border-radius: var(--radius);
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  color: var(--white);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.9rem 1.25rem;
  box-shadow: var(--shadow);
  transition: box-shadow 0.2s ease, border-color 0.2s ease;
}

.protect-strip.is-renter-match {
  border-color: var(--gold-bright);
  box-shadow: 0 0 0 3px rgba(224, 184, 58, 0.25), var(--shadow);
}

.protect-strip .section-label {
  color: var(--gold-soft);
  margin-bottom: 0.25rem;
}

.protect-strip h2 {
  margin: 0 0 0.2rem;
  color: var(--white);
  font-size: 1.08rem;
}

.protect-strip p:not(.section-label) {
  margin: 0;
  max-width: 36rem;
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.92rem;
}

.own-checkpoint {
  border-left: 4px solid var(--gold);
}

.own-checkpoint .section-label {
  margin-bottom: 0.35rem;
}

.certificate-mode {
  margin: 1rem 0;
  padding: 1rem 1.1rem;
  border: 2px solid var(--gold);
  border-radius: 12px;
  background: linear-gradient(135deg, var(--gold-soft), #fff 72%);
}

.certificate-mode .section-label {
  margin-bottom: 0.25rem;
}

.certificate-mode h3,
.checklist-ready-cta h3 {
  margin: 0 0 0.35rem;
  color: var(--navy);
  font-size: 1.1rem;
}

.certificate-mode p,
.checklist-ready-cta p {
  margin: 0 0 0.75rem;
  color: var(--muted);
  font-size: 0.92rem;
}

.certificate-mode-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
}

.priority-week {
  border-left: 4px solid var(--gold);
}

.checklist-ready-cta {
  margin: 1rem 0 0;
  padding: 1rem 1.1rem;
  border: 2px solid var(--navy);
  border-radius: 12px;
  background: var(--gold-soft);
  animation: ready-in 0.25s ease-out;
}

.checklist-ready-cta[hidden] {
  display: none !important;
}

.spend-pairing-links .btn {
  min-height: 42px;
  padding: 0.55rem 0.8rem;
  font-size: 0.88rem;
}

@keyframes ready-in {
  from { opacity: 0; transform: translateY(4px); }
  to { opacity: 1; transform: translateY(0); }
}

@media (max-width: 519px) {
  .protect-strip .btn,
  .certificate-mode-actions .btn,
  .checklist-ready-cta .btn,
  .spend-pairing-links .btn {
    width: 100%;
  }

  .quiz-progress {
    align-items: flex-start;
  }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .checklist-ready-cta { animation: none; }
  .quiz-progress-fill { transition: none; }
}