/* Financial Wellness 4 a Cause — site styles. Palette follows the owner-authored FW4AC page on GRC (wellness.css, 2026-10-07). */
:root{--navy:#102842;--deep:#092033;--mint:#d9f3e8;--teal:#087f73;--teal-soft:#8ee0c8;--gold:#e9bb68;--ink:#203449;--muted:#5e7081;--pale:#f5f9fa;--line:#e2eaec;--white:#fff;--red:#b42318}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body.fw4ac{margin:0;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.6;background:var(--white);font-size:1.0625rem}
a{color:var(--teal)}
h1,h2,h3{letter-spacing:-.03em;line-height:1.15;color:var(--navy);margin:0 0 .6em}
h2{font-size:clamp(1.7rem,3.4vw,2.5rem)}
h3{font-size:1.25rem}
p{margin:0 0 1rem}
.wrap{max-width:1160px;margin:auto;padding:0 20px}
.wrap.narrow{max-width:820px}
.sr,.skip{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
.skip:focus{left:12px;top:12px;width:auto;height:auto;background:var(--gold);color:var(--deep);padding:8px 12px;border-radius:8px;z-index:1000}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.center{text-align:center}

/* buttons */
.btn{display:inline-block;border:0;border-radius:9px;text-decoration:none;padding:14px 22px;font-weight:800;font-size:.95rem;cursor:pointer;font-family:inherit;line-height:1.2;min-height:44px}
.btn-primary{background:var(--gold);color:var(--deep)}
.btn-primary:hover{background:#f0ca80}
.btn-outline{border:1px solid #b9d4d2;color:#fff;background:transparent}
.btn-outline:hover{background:rgba(255,255,255,.08)}
.btn-outline-dark{border:1.5px solid var(--navy);color:var(--navy);background:transparent}
.btn-outline-dark:hover{background:var(--pale)}
.btn-sm{padding:10px 16px;font-size:.88rem;min-height:40px}
.btn-block{width:100%}

/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.head-row{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.brand-mark{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--gold);font-size:1.25rem;font-weight:900}
.brand-text{display:flex;flex-direction:column;line-height:1.15}
.brand-text strong{font-size:1.02rem;font-weight:900;letter-spacing:-.01em}
.brand-text em{font-style:normal;color:var(--teal)}
.brand-text small{font-size:.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.1em;font-weight:700}
.nav{display:flex;align-items:center;gap:20px}
.nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}
.nav a:hover{color:var(--teal)}
.nav-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}
.nav-toggle span:not(.sr){display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;border-radius:2px}
@media (max-width:860px){
  .nav-toggle{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 20px 18px;gap:0}
  .nav.open{display:flex}
  .nav a{padding:12px 0;border-bottom:1px solid var(--line)}
  .nav .btn{margin-top:12px;text-align:center;border:0}
}

/* hero */
.hero{background:radial-gradient(circle at 80% 20%,#1b625d 0%,transparent 36%),linear-gradient(130deg,#092033,#143951);color:#fff;padding:72px 0 88px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;align-items:center;gap:56px}
.eyebrow,.kicker{text-transform:uppercase;letter-spacing:.16em;font-size:.76rem;font-weight:800;color:var(--teal);margin:0 0 .6rem}
.hero .eyebrow{color:var(--teal-soft)}
.kicker.light{color:var(--teal-soft)}
.hero h1{font-size:clamp(2.3rem,4.8vw,4.2rem);letter-spacing:-.05em;line-height:1.08;margin:12px 0 20px;color:#fff;font-weight:900}
.hero h1 em{color:var(--gold);font-style:normal}
.hero .lede{font-size:1.16rem;color:#d5e4e9;max-width:600px}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.trust{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:6px;font-size:.9rem;color:#cad7dd}
.trust li::before{content:"✓";color:var(--teal-soft);font-weight:900;margin-right:8px}
.hero-card{background:#fff;color:var(--ink);border-radius:20px;padding:30px;box-shadow:0 25px 65px #04162166;transform:rotate(1.5deg)}
.hero-card .label,.about-panel .label{font-size:.77rem;text-transform:uppercase;letter-spacing:.12em;color:var(--teal);font-weight:900;margin:0 0 .4rem}
.hero-card h2{font-size:1.7rem;margin:0 0 16px}
.checks{list-style:none;padding:0;margin:0 0 18px}
.checks li{padding:11px 0;border-top:1px solid #e6ecec;display:flex;gap:10px}
.checks li::before{content:"✓";color:var(--teal);font-weight:900}
.pill{display:inline-block;padding:7px 12px;border-radius:999px;background:var(--mint);color:var(--teal);font-size:.8rem;font-weight:800}

/* sections */
.section{padding:72px 0}
.section-pale{background:var(--pale)}
.section-head{max-width:720px;margin-bottom:36px}
.section-head p{color:var(--muted);font-size:1.05rem}
.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:16px;padding:26px;box-shadow:0 8px 24px rgba(16,40,66,.05)}
.card .num{display:block;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);font-weight:900;margin-bottom:10px}
.card h3{margin-bottom:.5rem}
.card p:last-child{margin-bottom:0}
.card-gold{border-top:4px solid var(--gold)}
.fine{font-size:.86rem;color:var(--muted);margin-top:22px}

/* question cards */
.group-title{font-size:1rem;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);margin:30px 0 14px;font-weight:800}
.qcards{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.qcard{display:flex;flex-direction:column;gap:8px;height:100%;background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
.qcard:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(16,40,66,.1);border-color:#cfe3e0}
.qcard .tag{font-size:.7rem;text-transform:uppercase;letter-spacing:.12em;color:var(--teal);font-weight:900}
.qcard strong{font-size:1.05rem;line-height:1.3;color:var(--navy)}
.qcard span:last-child{font-size:.93rem;color:var(--muted)}
#library .center{margin-top:34px}

/* steps */
.section-steps{background:var(--mint)}
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:s}
.steps li{background:#fff;border-radius:16px;padding:26px}
.steps li>strong{display:block;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin-bottom:8px}
.steps p{margin:0;color:var(--muted)}

/* about */
.about-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:start}
.about-panel{background:var(--navy);color:#fff;border-radius:20px;padding:34px}
.about-panel h2{color:#fff;margin-bottom:.3rem}
.about-panel .role{color:#d5e4e9}
.about-panel a{color:var(--gold)}
.about-grid>*,.cta-grid>*,.foot-grid>*{min-width:0}
.about-panel,.contact-list,.site-foot,.formdone{overflow-wrap:anywhere}

/* cause band */
.band{background:linear-gradient(130deg,#092033,#143951);color:#fff;padding:72px 0}
.band h2,.band h3{color:#fff}
.band a{color:var(--gold)}
.cause-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
.cause-grid p{color:#d5e4e9}
.goals{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.goals span{padding:7px 12px;border-radius:999px;border:1px solid #2e5a63;font-size:.85rem;color:#cfe8e2}
.cause-panel{background:#fff;color:var(--ink);border-radius:20px;padding:32px;text-align:center}
.cause-panel h3{color:var(--navy)}
.cause-panel p{color:var(--muted);margin:0}
.heart{width:58px;height:58px;border-radius:50%;background:var(--mint);color:var(--teal);display:grid;place-items:center;font-size:1.7rem;margin:0 auto 14px}

/* contact + form */
.cta-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:start}
.contact-h{margin-top:1.8rem;font-size:1.05rem}
.contact-list{list-style:none;padding:0;margin:0;display:grid;gap:12px;color:var(--muted)}
.contact-list strong{color:var(--ink)}
.formcard{background:#fff;border:1px solid var(--line);border-radius:20px;padding:30px;box-shadow:0 20px 50px rgba(16,40,66,.08)}
.formcard h3{margin-bottom:1rem}
.formcard label{display:block;font-weight:600;font-size:.92rem;margin-bottom:12px}
.formcard input:not([type=radio]):not([type=checkbox]),.formcard select,.formcard textarea{display:block;width:100%;margin-top:6px;padding:11px 12px;border:1px solid #c9d6d8;border-radius:9px;font:inherit;font-size:1rem;background:#fff;color:var(--ink)}
.formcard textarea{resize:vertical}
.formcard .is-invalid{border-color:var(--red)!important}
.fields-2{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
.radios{border:0;padding:0;margin:0 0 12px}
.radios legend{font-weight:600;font-size:.92rem;margin-bottom:6px}
.radios label{display:inline-flex;align-items:center;gap:6px;margin:0 16px 6px 0;font-weight:500}
.consent{display:flex!important;gap:10px;align-items:flex-start;font-weight:500!important;font-size:.88rem!important;color:var(--muted)}
.consent input{margin-top:4px;flex:none}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.formerror{color:var(--red);font-weight:600;font-size:.92rem;margin:0 0 12px}
.formnote{font-size:.8rem;color:var(--muted);margin:12px 0 0}
.formdone{background:var(--mint);border-radius:14px;padding:22px}
.formdone h3{color:var(--teal)}
.formdone p{margin:0}

/* faq */
#faq details{border-bottom:1px solid var(--line);padding:14px 0}
#faq summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:1.05rem}
#faq details p{margin:10px 0 0;color:var(--muted)}

/* footer */
.site-foot{background:var(--deep);color:#c7d6dc;padding:56px 0 36px;font-size:.92rem}
.site-foot a{color:#fff}
.site-foot .brand-text strong{color:#fff}
.site-foot .brand-text em{color:var(--teal-soft)}
.site-foot .brand-text small{color:#9fb4bd}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px;padding-bottom:28px;border-bottom:1px solid #1f3b4d}
.disclosures{padding-top:24px;font-size:.82rem;color:#9fb4bd;line-height:1.6}
.disclosures strong{color:#c7d6dc}

@media (max-width:980px){
  .hero-grid,.about-grid,.cause-grid,.cta-grid{grid-template-columns:1fr}
  .grid-3,.qcards,.steps{grid-template-columns:repeat(2,1fr)}
  .hero-card{transform:none}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .section,.band{padding:52px 0}
  .hero{padding:52px 0 60px}
  .grid-3,.grid-2,.qcards,.steps,.fields-2,.foot-grid{grid-template-columns:1fr}
  .wrap{padding:0 16px}
  .formcard{padding:22px 18px}
}