:root {
  --navy: #061a2e;
  --navy-deep: #03101d;
  --navy-soft: #0d2a46;
  --gold: #e8bf48;
  --gold-dark: #b88a17;
  --cream: #fbf7ec;
  --paper: #fffdf8;
  --ink: #13263a;
  --muted: #5d6a77;
  --line: #e4ded0;
  --white: #ffffff;
  --shadow: 0 20px 48px rgba(5, 22, 39, 0.14);
  --radius: 20px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: Arial, Helvetica, sans-serif; font-size: 16px; line-height: 1.65; }
a { color: inherit; }
img { display: block; max-width: 100%; }
.container { width: min(1140px, calc(100% - 48px)); margin: 0 auto; }
.narrow { width: min(760px, 100%); }
.center-copy { margin-left: auto; margin-right: auto; text-align: center; }
.skip-link { position: absolute; left: -999px; top: 8px; z-index: 100; background: var(--gold); color: var(--navy-deep); padding: 10px 14px; font-weight: 800; text-decoration: none; }
.skip-link:focus { left: 8px; }

.site-header { background: var(--navy-deep); border-bottom: 1px solid rgba(232,191,72,.32); color: white; position: relative; z-index: 5; }
.header-inner { display: flex; justify-content: space-between; align-items: center; min-height: 76px; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 10px; color: white; text-decoration: none; line-height: 1.05; }
.brand-logo { width: min(230px, 100%); height: auto; }
.brand-mark { align-items: center; background: var(--gold); border-radius: 50%; color: var(--navy-deep); display: inline-flex; font-family: Georgia, 'Times New Roman', serif; font-size: 20px; font-weight: 800; height: 34px; justify-content: center; width: 34px; }
.brand-copy { display: flex; flex-direction: column; font-size: 11px; letter-spacing: .12em; text-transform: uppercase; }
.brand-copy strong { font-weight: 800; }
.brand-copy span { color: var(--gold); font-size: 10px; letter-spacing: .22em; margin-top: 4px; }
.header-nav { display: flex; align-items: center; gap: 23px; font-size: 13px; font-weight: 700; }
.header-nav > a:not(.nav-cta) { color: rgba(255,255,255,.85); text-decoration: none; }
.header-nav > a:not(.nav-cta):hover { color: var(--gold); }
.nav-cta { background: var(--gold); border-radius: 999px; color: var(--navy-deep); padding: 9px 15px; text-decoration: none; transition: transform .2s ease, background .2s ease; }
.nav-cta:hover { background: #f4d470; transform: translateY(-1px); }

.hero { background: var(--navy); color: white; overflow: hidden; position: relative; }
.hero-image { background: linear-gradient(90deg, rgba(6,26,46,1) 0%, rgba(6,26,46,.98) 35%, rgba(6,26,46,.50) 68%, rgba(6,26,46,.30) 100%), url('assets/gold-ira-learning.png') 72% center / cover no-repeat; inset: 0; position: absolute; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(290px, .65fr); gap: 36px; padding: 44px 0 42px; position: relative; align-items: center; }
.eyebrow { color: var(--gold); font-size: 11px; font-weight: 800; letter-spacing: .16em; margin: 0 0 14px; text-transform: uppercase; }
.eyebrow-gold { color: var(--gold-dark); }
h1, h2, h3 { font-family: Georgia, 'Times New Roman', serif; line-height: 1.12; margin: 0; }
h1 { font-size: clamp(42px, 4.3vw, 60px); letter-spacing: -.035em; max-width: 760px; }
h1 em { color: var(--gold); font-style: normal; }
h2 { color: var(--navy); font-size: clamp(31px, 3.5vw, 46px); letter-spacing: -.028em; }
h3 { color: var(--navy); font-size: 23px; }
.hero-lede { color: rgba(255,255,255,.9); font-size: 18px; line-height: 1.5; margin: 18px 0 14px; max-width: 665px; }
.hero-points { display: grid; gap: 6px; list-style: none; margin: 0 0 20px; padding: 0; }
.hero-points li { color: rgba(255,255,255,.9); font-size: 15px; }
.hero-points span, .check-list > li > span:first-child { color: var(--gold); font-weight: 900; margin-right: 9px; }
.hero-actions { align-items: center; display: flex; flex-wrap: wrap; gap: 22px; }
.button { align-items: center; border-radius: 8px; display: inline-flex; font-size: 15px; font-weight: 800; gap: 12px; justify-content: center; letter-spacing: .01em; padding: 15px 20px; text-align: center; text-decoration: none; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.button:hover { transform: translateY(-2px); box-shadow: 0 10px 22px rgba(0,0,0,.20); }
.button-gold { background: var(--gold); box-shadow: inset 0 -3px 0 var(--gold-dark); color: var(--navy-deep); }
.button-gold:hover { background: #f2d56f; }
.button-cream { background: var(--cream); color: var(--navy-deep); }
.button-navy { background: var(--navy); color: white; }
.text-link { color: white; font-size: 14px; font-weight: 800; text-decoration-color: var(--gold); text-decoration-thickness: 2px; text-underline-offset: 4px; }
.microcopy { color: rgba(255,255,255,.72); font-size: 11px; margin: 16px 0 0; }

.offer-card { background: #fff9e9; border: 1px solid #d7b45d; border-radius: var(--radius); box-shadow: var(--shadow); color: var(--navy); padding: 20px 24px; position: relative; }
.guide-cover { margin: 0 auto 4px; max-width: 225px; position: relative; width: 100%; }
.guide-cover img { height: auto; width: 100%; }
.offer-promo { border-radius: 10px; height: auto; margin-bottom: 18px; width: 100%; }
.offer-card:before { background: radial-gradient(circle, rgba(232,191,72,.22), transparent 66%); content: ''; height: 230px; position: absolute; right: -60px; top: -90px; width: 230px; }
.offer-card > * { position: relative; }
.offer-card-topline { color: #695017; font-size: 11px; font-weight: 800; letter-spacing: .11em; text-transform: uppercase; }
.spark { font-size: 17px; margin-right: 6px; }
.offer-card h2 { color: white; font-size: 30px; margin: 16px 0 12px; }
.offer-card p { color: var(--navy); font-size: 14px; line-height: 1.55; margin: 0; }
.offer-rule { background: rgba(232,191,72,.45); height: 1px; margin: 22px 0 18px; }
.offer-card ul { display: grid; gap: 12px; list-style: none; margin: 0 0 25px; padding: 0; }
.offer-card li { align-items: center; color: rgba(255,255,255,.91); display: flex; font-size: 14px; gap: 13px; }
.offer-card li span { color: var(--gold); font-size: 11px; font-weight: 800; letter-spacing: .08em; }
.offer-card .button { background: var(--navy); color: white; width: 100%; }
.offer-card .offer-terms { color: #4e5b66; font-size: 10.5px; line-height: 1.45; margin-top: 13px; text-align: center; }
.hero-bottom-bar { background: rgba(0,0,0,.22); border-top: 1px solid rgba(232,191,72,.28); position: relative; }
.trust-strip { display: grid; grid-template-columns: repeat(3, 1fr); }
.trust-strip > div { border-left: 1px solid rgba(255,255,255,.13); display: grid; gap: 2px; padding: 18px 24px; }
.trust-strip > div:first-child { border-left: 0; padding-left: 0; }
.trust-strip strong { color: var(--gold); font-size: 12px; letter-spacing: .02em; }
.trust-strip span { color: rgba(255,255,255,.74); font-size: 12px; }

.section { padding: 100px 0; }
.section-intro { background: var(--paper); }
.center-copy > p:not(.eyebrow) { color: var(--muted); font-size: 17px; margin: 20px 0 0; }
.question-grid { display: grid; gap: 18px; grid-template-columns: repeat(3, 1fr); margin-top: 48px; }
.question-card { background: white; border: 1px solid var(--line); border-radius: 12px; min-height: 258px; padding: 29px 27px; transition: transform .2s ease, box-shadow .2s ease; }
.question-card:hover { box-shadow: 0 18px 32px rgba(7,29,49,.10); transform: translateY(-3px); }
.card-number { color: var(--gold-dark); display: block; font-size: 11px; font-weight: 900; letter-spacing: .12em; margin-bottom: 23px; }
.question-card h3 { font-size: 25px; }
.question-card p { color: var(--muted); font-size: 14px; line-height: 1.6; margin: 14px 0 0; }

.cost-section { background: white; border-top: 1px solid var(--line); }
.cost-grid { align-items: center; display: grid; gap: 68px; grid-template-columns: 1fr 1fr; }
.cost-grid p { color: var(--muted); font-size: 15px; }
.source-note { font-size: 12px !important; }
.source-note a, .footer-legal a { color: inherit; text-underline-offset: 3px; }
.cost-checklist { background: var(--cream); border: 1px solid var(--line); border-radius: 14px; padding: 28px; }
.cost-checklist ul { color: var(--ink); font-size: 14px; padding-left: 22px; }
.cost-checklist li { margin: 10px 0; }
.cost-checklist p { font-size: 13px; margin-bottom: 0; }

.guide-section { background: var(--cream); border-bottom: 1px solid #eee5d3; border-top: 1px solid #eee5d3; }
.guide-grid { align-items: stretch; display: grid; gap: 76px; grid-template-columns: 1fr 1fr; }
.guide-photo-wrap { border-radius: 16px; box-shadow: var(--shadow); min-height: 0; overflow: hidden; position: relative; }
.guide-photo-wrap img { height: 100%; inset: 0; object-fit: cover; object-position: 64% center; position: absolute; width: 100%; }
.guide-copy { align-self: center; }
.photo-note { background: var(--navy); bottom: 0; color: white; font-size: 12px; font-weight: 800; left: 0; letter-spacing: .04em; padding: 14px 17px; position: absolute; }
.photo-note span { color: var(--gold); margin-right: 5px; }
.guide-copy h2 { margin-bottom: 20px; }
.guide-copy > p:not(.affiliate-note) { color: var(--muted); font-size: 16px; margin: 0 0 21px; }
.check-list { display: grid; gap: 11px; list-style: none; margin: 0 0 28px; padding: 0; }
.check-list li { align-items: baseline; display: flex; font-size: 14px; font-weight: 700; }
.affiliate-note { color: #74716a; font-size: 11px; line-height: 1.5; margin: 14px 0 0; max-width: 500px; }

.process-section { background: var(--paper); }
.steps-grid { counter-reset: step; display: grid; gap: 30px; grid-template-columns: repeat(3, 1fr); margin-top: 48px; }
.steps-grid article { border-top: 1px solid var(--gold-dark); padding-top: 21px; }
.steps-grid article > span { align-items: center; background: var(--navy); border-radius: 50%; color: var(--gold); display: inline-flex; font-family: Georgia, 'Times New Roman', serif; font-size: 18px; height: 38px; justify-content: center; width: 38px; }
.steps-grid h3 { font-size: 22px; margin-top: 18px; }
.steps-grid p { color: var(--muted); font-size: 14px; margin: 10px 0 0; }

.faq-section { background: #f1eee6; }
.faq-grid { display: grid; gap: 94px; grid-template-columns: .82fr 1.18fr; }
.faq-intro h2 { margin: 10px 0 18px; }
.faq-intro > p:not(.eyebrow) { color: var(--muted); font-size: 15px; margin: 0; }
.accordion { border-bottom: 1px solid #c8c4b9; }
details { border-top: 1px solid #c8c4b9; padding: 0; }
summary { align-items: center; color: var(--navy); cursor: pointer; display: flex; font-family: Georgia, 'Times New Roman', serif; font-size: 19px; font-weight: 700; justify-content: space-between; line-height: 1.25; list-style: none; padding: 20px 2px; }
summary::-webkit-details-marker { display: none; }
summary span { color: var(--gold-dark); font-family: Arial, sans-serif; font-size: 23px; font-weight: 400; }
details[open] summary span { transform: rotate(45deg); }
details p { color: var(--muted); font-size: 14px; margin: -2px 4px 20px 2px; }

.final-cta { background: var(--navy-deep); color: white; padding: 70px 0; }
.final-cta-grid { align-items: center; display: grid; gap: 45px; grid-template-columns: 1.3fr .7fr; }
.final-cta h2 { color: white; font-size: clamp(30px, 3.7vw, 46px); }
.final-cta p:not(.eyebrow) { color: rgba(255,255,255,.78); font-size: 16px; margin: 16px 0 0; max-width: 675px; }
.final-cta-action { text-align: center; }
.final-cta-action .button { width: 100%; }
.final-cta-action p { font-size: 11px !important; margin: 12px 0 0 !important; }

.site-footer { background: #020b13; color: rgba(255,255,255,.74); padding: 44px 0 25px; }
.footer-grid { display: grid; gap: 30px; grid-template-columns: 1fr auto; }
.brand-footer { margin-bottom: 16px; }
.footer-grid > div:first-child > p { font-size: 13px; margin: 0; max-width: 410px; }
.footer-links { align-content: start; display: grid; gap: 8px; grid-template-columns: repeat(2, minmax(110px, 1fr)); }
.footer-links a { color: rgba(255,255,255,.76); font-size: 13px; text-decoration: none; }
.footer-links a:hover { color: var(--gold); }
.footer-legal { border-top: 1px solid rgba(255,255,255,.13); margin-top: 32px; padding-top: 21px; }
.footer-legal p { color: rgba(255,255,255,.56); font-size: 11px; line-height: 1.55; margin: 0 0 10px; }
.footer-legal strong { color: rgba(255,255,255,.76); }
.footer-legal .copyright { color: rgba(255,255,255,.36); margin-top: 18px; }

.legal-page { background: var(--cream); min-height: 100vh; }
.legal-main { padding: 78px 0 100px; }
.legal-panel { background: white; border: 1px solid var(--line); border-radius: 14px; box-shadow: 0 12px 30px rgba(7,29,49,.08); margin: 0 auto; max-width: 840px; padding: clamp(28px, 5vw, 60px); }
.legal-panel h1 { color: var(--navy); font-size: clamp(36px, 5vw, 56px); }
.legal-panel h2 { font-size: 27px; margin: 36px 0 12px; }
.legal-panel p, .legal-panel li { color: var(--muted); font-size: 15px; }
.legal-panel ul { padding-left: 21px; }
.legal-panel .updated { color: var(--gold-dark); font-size: 12px; font-weight: 800; letter-spacing: .08em; margin-top: 10px; text-transform: uppercase; }
.back-link { color: var(--navy); display: inline-block; font-size: 14px; font-weight: 800; margin-top: 32px; text-decoration-color: var(--gold-dark); text-decoration-thickness: 2px; text-underline-offset: 4px; }

@media (max-width: 890px) {
  .hero-grid { gap: 34px; grid-template-columns: 1fr; padding: 68px 0 56px; }
  .hero-copy { max-width: 690px; }
  .offer-card { max-width: 580px; }
  .hero-image { background: linear-gradient(90deg, rgba(6,26,46,.97), rgba(6,26,46,.91)), url('assets/gold-ira-learning.png') 72% center / cover no-repeat; }
  .guide-grid, .faq-grid, .cost-grid { gap: 48px; grid-template-columns: 1fr; }
  .guide-photo-wrap { height: 320px; max-width: 620px; }
  .final-cta-grid { grid-template-columns: 1fr; }
  .final-cta-action { max-width: 420px; text-align: left; }
}

@media (max-width: 680px) {
  .container { width: min(100% - 34px, 1140px); }
  .header-inner { min-height: 68px; }
  .brand-logo { width: min(175px, 100%); }
  .header-nav > a:not(.nav-cta) { display: none; }
  .header-nav { gap: 0; }
  .nav-cta { font-size: 11px; padding: 9px 12px; }
  .hero-grid { min-height: 0; padding: 60px 0 42px; }
  .hero-lede { font-size: 16px; }
  h1 { font-size: clamp(39px, 12vw, 56px); }
  .hero-points { gap: 6px; }
  .hero-points li { font-size: 13px; }
  .hero-actions { align-items: stretch; flex-direction: column; gap: 18px; }
  .hero-actions .button { width: 100%; }
  .text-link { text-align: center; }
  .offer-card { padding: 25px 22px; }
  .trust-strip, .question-grid, .steps-grid { grid-template-columns: 1fr; }
  .trust-strip { padding: 9px 0; }
  .trust-strip > div, .trust-strip > div:first-child { border: 0; border-bottom: 1px solid rgba(255,255,255,.12); padding: 12px 0; }
  .trust-strip > div:last-child { border-bottom: 0; }
  .section { padding: 70px 0; }
  .question-grid, .steps-grid { gap: 16px; margin-top: 35px; }
  .question-card { min-height: 0; padding: 23px; }
  .guide-grid { gap: 36px; }
  .faq-grid { gap: 38px; }
  summary { font-size: 17px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-links { grid-template-columns: 1fr 1fr; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { scroll-behavior: auto !important; transition-duration: 0.001ms !important; }
}