/* ============================================================
   andrewmalm.com shared stylesheet (2026 redesign)
   Brand: light editorial, paper surface, gold accent.
   Playfair Display headlines, Source Sans 3 body.
   2px max border radius. No dark mode.
   ============================================================ */

:root{
  --surface:#F5F1EA; --card:#FFFFFF; --ink:#211D17; --ink-2:#5C544A; --ink-3:#948C7E;
  --line:#E3DCCF; --line-2:#D6CDBB;
  --accent:#8A7548; --accent-deep:#6E5C37; --accent-ink:#FFFFFF; --accent-soft:#EFE9DC;
  --c1:#B0742A; --c2:#2C5C9E; --c3:#12805A; --c4:#6E56B8; --c5:#C0504A;
  --shadow:0 1px 2px rgba(33,29,23,.05),0 4px 14px rgba(33,29,23,.05);
  --serif:"Playfair Display",Georgia,serif;
  --sans:"Source Sans 3","Segoe UI",system-ui,sans-serif;
}

/* ---------- Base ---------- */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--surface);color:var(--ink);
  font:16px/1.6 var(--sans);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.15;
  margin:0 0 12px;text-wrap:balance;letter-spacing:.2px}
h1{font-size:clamp(2.1rem,5.5vw,3.4rem)}
h2{font-size:clamp(1.5rem,3.2vw,2.1rem)}
h3{font-size:1.15rem}
h1 em,h2 em{font-style:italic;color:var(--accent)}
p{margin:0 0 14px}
a{color:var(--accent-deep)}
a:hover{color:var(--ink)}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.eyebrow{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;
  color:var(--accent);font-weight:700;margin:0 0 10px}
.muted{color:var(--ink-2)}
.small{font-size:.85rem}

/* ---------- Compliance topbar ---------- */
.topbar{font-size:12px;color:var(--ink-2);text-align:center;padding:10px 16px;
  border-bottom:1px solid var(--line);letter-spacing:.02em;background:var(--surface)}

/* ---------- Header / nav ---------- */
.site-head{border-bottom:1px solid var(--line);background:var(--surface)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;
  gap:16px;flex-wrap:wrap;padding-top:16px;padding-bottom:16px}
.lockup{text-decoration:none;color:var(--ink);display:block}
.lockup .name{font-family:var(--serif);font-size:1.35rem;font-weight:600;line-height:1.1}
.lockup .name em{font-style:italic;color:var(--accent)}
.lockup .cred{font-size:.72rem;color:var(--ink-3);letter-spacing:.06em;
  text-transform:uppercase;margin-top:2px}
.site-nav{display:flex;align-items:center;gap:2px;flex-wrap:wrap}
.site-nav a{font-size:.9rem;font-weight:600;color:var(--ink-2);text-decoration:none;
  padding:8px 10px;border-radius:2px;letter-spacing:.01em}
.site-nav a:hover{color:var(--ink)}
.site-nav a[aria-current="page"]{color:var(--accent-deep)}
.site-nav .btn{margin-left:8px}

/* ---------- Buttons ---------- */
.btn{display:inline-block;padding:12px 22px;border-radius:2px;
  font:700 .93rem/1 var(--sans);letter-spacing:.02em;text-decoration:none;
  border:1px solid var(--accent);cursor:pointer;text-align:center}
.btn.solid{background:var(--accent);color:var(--accent-ink)}
.btn.solid:hover{background:var(--accent-deep);border-color:var(--accent-deep);color:var(--accent-ink)}
.btn.ghost{background:transparent;color:var(--accent-deep)}
.btn.ghost:hover{border-color:var(--accent-deep);color:var(--ink)}
.btn.big{padding:14px 28px;font-size:1rem}
.btn-nav{padding:13px 24px;font-size:1rem;white-space:nowrap}

/* ---------- Static value bar (replaces old ticker) ---------- */
.value-bar{border-bottom:1px solid var(--line);background:var(--card)}
.value-bar .wrap{display:flex;justify-content:center;gap:8px 26px;flex-wrap:wrap;
  padding-top:10px;padding-bottom:10px}
.value-bar span{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;
  color:var(--ink-2);font-weight:600;white-space:nowrap}
.value-bar.split-bar .wrap{justify-content:space-between}
.value-bar .grp{display:flex;gap:8px 26px;flex-wrap:wrap}
.value-bar .gold{color:var(--accent-deep)}

/* ---------- Sections ---------- */
.section{padding:64px 0}
.section.tint{background:var(--card);border-top:1px solid var(--line);
  border-bottom:1px solid var(--line)}
.section-head{max-width:62ch;margin-bottom:32px}
.section-head p{color:var(--ink-2)}
@media (max-width:640px){.section{padding:44px 0}}

/* ---------- Hero ---------- */
.hero{padding:52px 0 60px}
.hero .wrap{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,4fr);
  gap:44px;align-items:start}
.hero-sub{font-size:1.08rem;color:var(--ink-2);max-width:56ch}
.purpose-line{border-left:3px solid var(--accent);padding:2px 0 2px 14px;margin:18px 0 0;
  font-size:.95rem;color:var(--ink-2);max-width:52ch}
.purpose-line a{white-space:nowrap}
.headshot-col{text-align:center}
.headshot{width:100%;max-width:340px;margin:0 auto;border:1px solid var(--line);
  border-radius:2px;box-shadow:var(--shadow);background:var(--card)}
.headshot img{border-radius:2px}
.headshot-caption{font-size:.8rem;color:var(--ink-3);margin-top:10px;letter-spacing:.04em}
.headshot-caption strong{display:block;color:var(--ink-2);font-size:.88rem}
@media (max-width:820px){
  .hero .wrap{grid-template-columns:1fr}
  .headshot{max-width:260px}
}

/* ---------- Hero quiz chooser (primary conversion) ---------- */
.hero-quiz{margin-top:30px}
.hero-quiz h2{font-size:1.25rem;margin-bottom:14px}
.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:480px){.choice-grid{grid-template-columns:1fr}}
.choice-card{display:flex;align-items:center;gap:14px;background:var(--card);
  border:1px solid var(--line-2);border-radius:2px;box-shadow:var(--shadow);
  padding:16px 18px;text-decoration:none;color:var(--ink);
  transition:border-color .15s ease,transform .15s ease}
.choice-card:hover{border-color:var(--accent);transform:translateY(-1px);color:var(--ink)}
.choice-card svg{flex:none;color:var(--accent)}
.choice-card .t{font-weight:700;font-size:1rem;line-height:1.25}
.choice-card .s{font-size:.82rem;color:var(--ink-2);margin-top:1px}
.choice-caption{font-size:.85rem;color:var(--ink-2);margin-top:12px}

/* ---------- Three-path cards ---------- */
.paths{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width:820px){.paths{grid-template-columns:1fr}}
.path-card{background:var(--card);border:1px solid var(--line);border-top:3px solid var(--accent);
  border-radius:2px;box-shadow:var(--shadow);padding:26px 24px;display:flex;
  flex-direction:column;gap:10px}
.path-card svg{color:var(--accent)}
.path-card h3{margin:4px 0 0}
.path-card p{color:var(--ink-2);font-size:.93rem;margin:0;flex:1}
.path-card .go{font-weight:700;font-size:.9rem;color:var(--accent-deep);
  text-decoration:none;letter-spacing:.02em}
.path-card .go:hover{color:var(--ink)}

/* ---------- Stats band ---------- */
.stats{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;text-align:center}
@media (max-width:900px){.stats{grid-template-columns:repeat(3,1fr)}}
@media (max-width:560px){.stats{grid-template-columns:repeat(2,1fr)}}
.stat .num{font-family:var(--serif);font-size:2.1rem;font-weight:600;color:var(--ink);
  line-height:1.1;font-variant-numeric:tabular-nums}
.stat .lbl{font-size:.78rem;letter-spacing:.07em;text-transform:uppercase;
  color:var(--ink-2);font-weight:600;margin-top:4px}
.stat-disclaimer{font-size:.78rem;color:var(--ink-3);text-align:center;
  max-width:64ch;margin:22px auto 0}

/* ---------- Broker not bank ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
@media (max-width:820px){.split{grid-template-columns:1fr;gap:28px}}
.feature-list{display:flex;flex-direction:column;gap:18px;margin-top:22px}
.feature{display:flex;gap:14px;align-items:flex-start}
.feature svg{flex:none;color:var(--accent);margin-top:2px}
.feature h3{font-family:var(--sans);font-size:1rem;font-weight:700;margin:0 0 3px}
.feature p{font-size:.92rem;color:var(--ink-2);margin:0}
.quote-panel{background:var(--card);border:1px solid var(--line);
  border-left:3px solid var(--accent);border-radius:2px;box-shadow:var(--shadow);
  padding:26px 26px}
.quote-panel blockquote{margin:0;font-family:var(--serif);font-style:italic;
  font-size:1.15rem;line-height:1.5;color:var(--ink)}
.quote-panel .attr{font-size:.82rem;color:var(--ink-3);margin-top:12px;
  letter-spacing:.05em;text-transform:uppercase;font-weight:600}

/* ---------- Process steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:step}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.steps{grid-template-columns:1fr}}
.step{background:var(--card);border:1px solid var(--line);border-radius:2px;
  box-shadow:var(--shadow);padding:22px 20px}
.step .n{font-family:var(--serif);font-size:1.5rem;font-weight:600;color:var(--accent);
  border-bottom:1px solid var(--line);padding-bottom:8px;margin-bottom:10px}
.step h3{font-family:var(--sans);font-size:.98rem;font-weight:700;margin:0 0 6px}
.step p{font-size:.88rem;color:var(--ink-2);margin:0}

/* ---------- Lead magnet band ---------- */
.magnets{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media (max-width:820px){.magnets{grid-template-columns:1fr}}
.magnet{display:flex;gap:14px;align-items:flex-start;background:var(--card);
  border:1px solid var(--line-2);border-radius:2px;box-shadow:var(--shadow);
  padding:20px;text-decoration:none;color:var(--ink);
  transition:border-color .15s ease}
.magnet:hover{border-color:var(--accent);color:var(--ink)}
.magnet svg{flex:none;color:var(--accent);margin-top:2px}
.magnet .t{font-weight:700;font-size:.98rem;line-height:1.3}
.magnet .s{font-size:.84rem;color:var(--ink-2);margin-top:3px}

/* ---------- CTA band ---------- */
.cta-band{background:var(--card);border-top:3px solid var(--accent);
  border-bottom:1px solid var(--line);padding:52px 0;text-align:center}
.cta-band h2{margin-bottom:8px}
.cta-band p{color:var(--ink-2);max-width:52ch;margin:0 auto 24px}
.cta-actions{display:flex;justify-content:center;gap:12px;flex-wrap:wrap}

/* ---------- Footer ---------- */
.site-foot{border-top:1px solid var(--line);margin-top:0;padding:36px 0 48px;
  color:var(--ink-3);font-size:.8rem;line-height:1.7}
.site-foot .wrap{display:flex;gap:28px;align-items:flex-start;flex-wrap:wrap}
.site-foot .legal{flex:1;min-width:260px;max-width:78ch}
.site-foot a{color:var(--accent-deep)}
.site-foot .foot-links{margin-top:8px}
.site-foot .foot-links a{margin-right:14px}
.site-foot .foot-quick{margin-top:14px;padding-top:12px;border-top:1px solid var(--line)}
.eho{flex:none;display:flex;flex-direction:column;align-items:center;gap:4px;
  color:var(--ink-3);width:86px;text-align:center}
.eho svg{color:var(--ink-3)}
.eho .eho-text{font-size:.5rem;letter-spacing:.12em;font-weight:700;
  text-transform:uppercase;line-height:1.5}

/* ============================================================
   Quiz (deal-review.html)
   ============================================================ */
.quiz-progress{height:3px;background:var(--line);position:relative}
.quiz-progress .fill{position:absolute;left:0;top:0;bottom:0;background:var(--accent);
  width:0;transition:width .25s ease}
.quiz-main{max-width:640px;margin:0 auto;padding:44px 20px 72px;min-height:56vh}
.quiz-step-label{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;
  color:var(--ink-3);font-weight:700;margin:0 0 8px}
.quiz-q{font-size:clamp(1.5rem,4.5vw,2rem);margin-bottom:8px}
.quiz-sub{color:var(--ink-2);font-size:.95rem;margin:0 0 24px}
.opts{display:grid;grid-template-columns:1fr;gap:10px}
.opt{display:flex;align-items:center;gap:14px;width:100%;text-align:left;
  background:var(--card);border:1px solid var(--line-2);border-radius:2px;
  box-shadow:var(--shadow);padding:16px 18px;cursor:pointer;
  font:600 1rem/1.3 var(--sans);color:var(--ink);
  transition:border-color .15s ease,transform .15s ease}
.opt:hover{border-color:var(--accent);transform:translateY(-1px)}
.opt svg{flex:none;color:var(--accent)}
.opt[aria-pressed="true"]{border-color:var(--accent);background:var(--accent-soft)}
.quiz-back{background:none;border:none;padding:6px 2px;margin:0 0 18px;cursor:pointer;
  font:600 .88rem/1 var(--sans);color:var(--ink-2);display:inline-flex;
  align-items:center;gap:6px;border-radius:2px}
.quiz-back:hover{color:var(--ink)}
.quiz-back svg{color:var(--accent)}

/* Quiz contact form */
.quiz-form{display:flex;flex-direction:column;gap:14px;margin-top:4px}
.qf-field{display:flex;flex-direction:column;gap:5px}
.qf-field label{font-size:.85rem;font-weight:700;color:var(--ink-2)}
.qf-field input{border:1px solid var(--line-2);border-radius:2px;background:var(--card);
  color:var(--ink);font:600 1rem/1.3 var(--sans);padding:13px 14px;width:100%}
.qf-field input:focus-visible{outline:2px solid var(--accent);outline-offset:1px}
.consent{font-size:.76rem;color:var(--ink-3);line-height:1.6;margin:4px 0 0}
.consent a{color:var(--accent-deep)}

/* Quiz thank-you */
.thanks h1{font-size:clamp(1.7rem,5vw,2.4rem)}
.thanks p{color:var(--ink-2);font-size:1.02rem}
.thanks .cta-actions{justify-content:flex-start;margin-top:20px}
.fallback-note{margin-top:26px;background:var(--accent-soft);border-radius:2px;
  padding:14px 16px;font-size:.9rem;color:var(--ink-2)}
.fallback-note a{font-weight:700}

/* ---------- Motion ---------- */
@media (prefers-reduced-motion:no-preference){
  .quiz-screen{animation:qfade .18s ease-out}
  @keyframes qfade{from{opacity:0;transform:translateY(4px)}to{opacity:1;transform:none}}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{transition:none !important;animation:none !important}
}

/* ---------- Small screens (to 360px) ---------- */
@media (max-width:420px){
  .wrap{padding:0 14px}
  .site-nav a{padding:7px 8px;font-size:.85rem}
  .btn{padding:11px 16px}
  .btn-nav{padding:12px 18px;font-size:.95rem}
  .stats{gap:12px}
  .stat .num{font-size:1.7rem}
  .topbar{font-size:11px}
}