/*
  Theme echoes christinamarmonti.com: a monochrome mark reversed out of a dark
  header, white and warm-stone content bands, and the red from the brokerage
  lockup in her site header (#c41f34) as the single accent.
*/
:root {
  --bg: #ffffff;
  --tint: #f3f1ee;
  --surface: #ffffff;
  --surface-head: #f8f7f5;
  --ink: #17191d;
  --muted: #545a63;
  --line: #e4e1dc;
  --line-strong: #c9c4bc;
  --brand: #c41f34;
  --brand-hover: #a91a2c;
  --brand-ink: #ffffff;
  --accent: #a8192c;
  --lead-head: #fbeff0;
  --good: #1f6b43;
  --warn: #8a5a00;
  --bad: #a3262b;
  --focus: #c41f34;
  --night: #16181c;
  --night-2: #0e1013;
  --deep: #0c0d10;
  --shadow-1: 0 1px 2px rgba(23, 25, 29, 0.06), 0 4px 14px rgba(23, 25, 29, 0.06);
  --shadow-2: 0 1px 3px rgba(23, 25, 29, 0.08), 0 10px 30px rgba(23, 25, 29, 0.10);
  --shadow-3: 0 2px 6px rgba(23, 25, 29, 0.10), 0 18px 44px rgba(23, 25, 29, 0.16);
  --display: "Montserrat", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --sans: "Inter Tight", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --radius: 6px;
  --radius-lg: 10px;
  --gutter: 16px;
  --max: 1080px;
  --topbar-h: 60px;
  color-scheme: light;
}

@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #121418;
    --tint: #1a1d23;
    --surface: #20242b;
    --surface-head: #252a32;
    --ink: #ecebe8;
    --muted: #a9afb8;
    --line: #2d323a;
    --line-strong: #3d434d;
    --brand: #c41f34;
    --brand-hover: #d62a40;
    --brand-ink: #ffffff;
    --accent: #f38f99;
    --lead-head: #2e2226;
    --good: #6cc495;
    --warn: #e0b45a;
    --bad: #f08a8d;
    --focus: #f38f99;
    --night: #0d0f12;
    --night-2: #08090b;
    --deep: #070809;
    --shadow-1: 0 1px 2px rgba(0, 0, 0, 0.35), 0 4px 14px rgba(0, 0, 0, 0.25);
    --shadow-2: 0 1px 3px rgba(0, 0, 0, 0.4), 0 10px 30px rgba(0, 0, 0, 0.35);
    --shadow-3: 0 2px 6px rgba(0, 0, 0, 0.45), 0 18px 44px rgba(0, 0, 0, 0.5);
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #121418;
  --tint: #1a1d23;
  --surface: #20242b;
  --surface-head: #252a32;
  --ink: #ecebe8;
  --muted: #a9afb8;
  --line: #2d323a;
  --line-strong: #3d434d;
  --brand: #c41f34;
  --brand-hover: #d62a40;
  --brand-ink: #ffffff;
  --accent: #f38f99;
  --lead-head: #2e2226;
  --good: #6cc495;
  --warn: #e0b45a;
  --bad: #f08a8d;
  --focus: #f38f99;
  --night: #0d0f12;
  --night-2: #08090b;
  --deep: #070809;
  --shadow-1: 0 1px 2px rgba(0, 0, 0, 0.35), 0 4px 14px rgba(0, 0, 0, 0.25);
  --shadow-2: 0 1px 3px rgba(0, 0, 0, 0.4), 0 10px 30px rgba(0, 0, 0, 0.35);
  --shadow-3: 0 2px 6px rgba(0, 0, 0, 0.45), 0 18px 44px rgba(0, 0, 0, 0.5);
  color-scheme: dark;
}

/* Dark bands re-scope the text tokens so every component inside reads light. */
.band-dark, .band-deep, .topbar {
  --ink: #f4f2ee;
  --muted: #b9bec6;
  --accent: #f59aa3;
  --line: rgba(255, 255, 255, 0.12);
  --line-strong: rgba(255, 255, 255, 0.24);
  --surface: rgba(255, 255, 255, 0.06);
  --focus: #f59aa3;
  --good: #7fd3a6;
  color: var(--ink);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: calc(var(--topbar-h) + 12px); }
body {
  margin: 0;
  background: var(--bg);
  color: var(--ink);
  font: 400 16px/1.55 var(--sans);
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--accent); text-underline-offset: 2px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 2px solid var(--focus); outline-offset: 2px; }

h1, h2, h3 { margin: 0; line-height: 1.2; }
h1, h2 { font-family: var(--display); font-weight: 700; letter-spacing: -0.015em; }
h2 { font-size: clamp(1.4rem, 3.6vw, 1.75rem); }
h3 { font-size: 1rem; font-weight: 600; }
p { margin: 0; }

.num, .big, .worth-num, input[type="number"], dd { font-variant-numeric: tabular-nums lining-nums; }

.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip { position: absolute; left: -9999px; top: 0; background: var(--brand); color: var(--brand-ink); padding: 8px 12px; z-index: 30; }
.skip:focus { left: 8px; top: 8px; }

/* Sticky translucent top bar */
.topbar {
  position: sticky; top: 0; z-index: 20;
  background: rgba(22, 24, 28, 0.96);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
@supports ((backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px))) {
  .topbar {
    background: rgba(22, 24, 28, 0.72);
    -webkit-backdrop-filter: blur(14px) saturate(150%);
    backdrop-filter: blur(14px) saturate(150%);
  }
}
.topbar-inner { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: var(--topbar-h); }
.brand { font-family: var(--display); font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; font-size: 0.78rem; line-height: 1.35; }
.brand .sep { color: var(--muted); margin: 0 4px; }
@media (max-width: 519px) {
  .brand-name, .brand-firm { display: block; }
  .brand .sep { display: none; }
  .brand-firm { color: var(--muted); font-size: 0.68rem; }
}
.topbar-link { white-space: nowrap; flex: none; }

/* Bands */
.band { padding: 56px 0; }
.band-plain { background: var(--bg); }
.band-tint {
  background: var(--tint);
  box-shadow: inset 0 1px 0 var(--line), inset 0 -1px 0 var(--line);
}
.band-dark { background: var(--night); }
.band-deep { background: var(--deep); }

/* Hero */
.hero {
  position: relative;
  padding-bottom: 56px;
  margin-top: calc(-1 * var(--topbar-h));
  padding-top: var(--topbar-h);
  background:
    radial-gradient(1000px 420px at 85% -10%, rgba(196, 31, 52, 0.22), transparent 60%),
    radial-gradient(700px 360px at -10% 110%, rgba(255, 255, 255, 0.06), transparent 60%),
    linear-gradient(180deg, var(--night) 0%, var(--night-2) 100%);
  overflow: hidden;
}
.hero::after {
  content: ""; position: absolute; inset: auto 0 0 0; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.18), transparent);
}
.intro { padding-top: 56px; padding-bottom: 36px; position: relative; }
.eyebrow { font-family: var(--display); text-transform: uppercase; letter-spacing: 0.16em; font-size: 0.72rem; font-weight: 600; color: var(--accent); margin-bottom: 16px; }
h1 { font-size: clamp(2rem, 6vw, 3.4rem); max-width: 18ch; line-height: 1.1; }
.lede { margin-top: 18px; max-width: 62ch; font-size: 1.08rem; color: var(--muted); }
.privacy { margin-top: 22px; display: inline-flex; align-items: flex-start; gap: 10px; max-width: 62ch; font-size: 0.9rem; font-weight: 500; padding: 10px 14px; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--surface); }
.privacy .dot { margin-top: 7px; }
.dot { width: 8px; height: 8px; border-radius: 50%; background: var(--good); flex: none; box-shadow: 0 0 0 3px rgba(127, 211, 166, 0.18); }
.hero-actions { margin-top: 26px; display: flex; flex-wrap: wrap; gap: 12px; }

/* Rate worth: glass panel inside the hero */
.worth { position: relative; }
.worth-grid {
  display: grid; gap: 16px; padding: 24px;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-lg);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.09), rgba(255, 255, 255, 0.04));
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.08) inset, 0 20px 50px rgba(0, 0, 0, 0.35);
}
@supports ((backdrop-filter: blur(1px)) or (-webkit-backdrop-filter: blur(1px))) {
  .worth-grid { -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px); }
}
.kicker { font-family: var(--display); font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.16em; font-weight: 600; color: var(--muted); }
.worth-num { margin-top: 8px; font-family: var(--display); font-size: clamp(2.4rem, 8vw, 3.4rem); font-weight: 700; line-height: 1; color: var(--ink); letter-spacing: -0.02em; }
.worth-num .num { border-bottom: 3px solid var(--brand); padding-bottom: 2px; }
.worth-num .unit, .big .unit { font-family: var(--sans); font-size: 0.95rem; font-weight: 500; color: var(--muted); margin-left: 6px; letter-spacing: 0; }
.worth-text { color: var(--muted); max-width: 60ch; align-self: center; }
@media (min-width: 760px) { .worth-grid { grid-template-columns: minmax(220px, 1fr) 2fr; padding: 30px 34px; } }

/* Section heads */
.block-head { display: flex; flex-wrap: wrap; gap: 16px; align-items: flex-end; justify-content: space-between; margin-bottom: 24px; }
.band h2::before {
  content: ""; display: block; width: 36px; height: 3px; border-radius: 2px;
  background: var(--brand); margin-bottom: 14px;
}
.agent-band h2::before { display: none; }
.sub { color: var(--muted); margin-top: 8px; max-width: 64ch; }
.wrap > h2 + .sub { margin-bottom: 24px; }
.notice { padding: 12px; border: 1px solid var(--line-strong); border-radius: var(--radius); background: var(--surface); }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 44px; padding: 10px 20px; font: 600 0.95rem/1.2 var(--sans); border-radius: var(--radius); cursor: pointer; text-decoration: none; border: 1px solid var(--line-strong); background: var(--surface); color: var(--ink); }
.btn:hover { border-color: var(--ink); }
.btn-primary { background: var(--brand); border-color: var(--brand); color: var(--brand-ink); box-shadow: 0 1px 2px rgba(0, 0, 0, 0.12), 0 6px 16px rgba(196, 31, 52, 0.28); }
.btn-primary:hover { background: var(--brand-hover); border-color: var(--brand-hover); }
.btn-sm { min-height: 38px; padding: 8px 14px; font-size: 0.88rem; }

/* Form: fieldsets as raised cards on the tinted band */
.groups { display: grid; gap: 18px; }
@media (min-width: 760px) { .groups { grid-template-columns: 1fr 1fr; } .adv { grid-column: 1 / -1; } }
.group, .adv {
  margin: 0; padding: 0 20px 20px; min-width: 0;
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  background: var(--surface); box-shadow: var(--shadow-1);
}
.group legend {
  float: left; width: calc(100% + 40px); margin: 0 -20px 18px; padding: 12px 20px;
  background: var(--surface-head); border-bottom: 1px solid var(--line);
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  font-family: var(--display); font-weight: 600; font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.14em; color: var(--muted);
}
.group legend + * { clear: both; }
.adv { padding-top: 0; }
.adv summary {
  cursor: pointer; margin: 0 -20px; padding: 14px 20px;
  font-family: var(--display); font-weight: 600; font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.14em; color: var(--muted);
  border-radius: var(--radius-lg);
}
.adv:not([open]) { padding-bottom: 0; }
.adv[open] summary { margin-bottom: 18px; background: var(--surface-head); border-bottom: 1px solid var(--line); border-radius: var(--radius-lg) var(--radius-lg) 0 0; }
.fields { display: grid; gap: 14px; }
@media (min-width: 520px) { .fields { grid-template-columns: 1fr 1fr; } }
.field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.field label { font-size: 0.88rem; font-weight: 500; }
.inp { display: flex; align-items: stretch; border: 1px solid var(--line-strong); border-radius: var(--radius); background: var(--bg); }
.inp:focus-within { border-color: var(--focus); box-shadow: 0 0 0 3px rgba(196, 31, 52, 0.16); }
.inp input { flex: 1; min-width: 0; width: 100%; border: 0; background: transparent; color: var(--ink); font: 500 1rem/1.2 var(--sans); padding: 10px 10px; text-align: right; }
.inp input:focus { outline: none; }
.inp input[aria-invalid="true"] { color: var(--bad); }
.u { display: flex; align-items: center; padding: 0 10px; color: var(--muted); font-size: 0.9rem; background: var(--tint); }
.u-pre { border-right: 1px solid var(--line); border-radius: var(--radius) 0 0 var(--radius); }
.u-post { border-left: 1px solid var(--line); border-radius: 0 var(--radius) var(--radius) 0; }
.hint { font-size: 0.8rem; color: var(--muted); min-height: 0; }
.hint:empty { display: none; }
.hint.warn { color: var(--warn); }

/* Paths: raised cards with a tinted header; the strongest one is lifted */
.paths { display: grid; gap: 18px; align-items: stretch; }
@media (min-width: 900px) { .paths { grid-template-columns: repeat(3, 1fr); gap: 22px; padding-top: 6px; } }
.path {
  display: flex; flex-direction: column; gap: 14px; min-width: 0; overflow: hidden;
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  background: var(--surface); box-shadow: var(--shadow-2);
}
.path > * { margin-left: 22px; margin-right: 22px; }
.path > .note { margin-bottom: 22px; }
.path-head { margin: 0; padding: 18px 22px 16px; background: var(--surface-head); border-bottom: 1px solid var(--line); border-top: 3px solid var(--line-strong); }
.path-head h3 { font-family: var(--display); font-size: 1.25rem; font-weight: 700; letter-spacing: -0.01em; }
.path.is-lead { border-color: var(--brand); box-shadow: var(--shadow-3); }
.path.is-lead .path-head { background: var(--lead-head); border-top-color: var(--brand); }
@media (min-width: 900px) { .path.is-lead { transform: translateY(-6px); } }
.tag { color: var(--muted); font-size: 0.88rem; margin-top: 4px; }
.big { font-family: var(--display); font-size: 2.1rem; font-weight: 700; line-height: 1; letter-spacing: -0.02em; }
.pills { display: flex; flex-wrap: wrap; gap: 6px; min-height: 0; }
.pills:empty { display: none; }
.pill { font-size: 0.74rem; font-weight: 600; letter-spacing: 0.02em; padding: 3px 9px; border: 1px solid currentColor; border-radius: 999px; }
.pill.good { color: var(--good); }
.pill.warn { color: var(--warn); }
.pill.bad { color: var(--bad); }
.rows { border-top: 1px solid var(--line); }
.rows .r { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-bottom: 1px solid var(--line); font-size: 0.92rem; }
.rows dt { color: var(--muted); }
.rows dd { margin: 0; font-weight: 600; text-align: right; }
dd.good { color: var(--good); }
dd.warn { color: var(--warn); }
dd.bad { color: var(--bad); }
.note { font-size: 0.85rem; color: var(--muted); margin-top: auto; }

/* Reading: one raised panel on the tinted band */
.reading {
  margin: 20px 0 0; padding: 6px 24px; list-style: none; max-width: 82ch;
  background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-1);
}
.reading li { padding: 14px 0 14px 22px; border-bottom: 1px solid var(--line); position: relative; }
.reading li:last-child { border-bottom: 0; }
.reading li::before { content: ""; position: absolute; left: 0; top: 24px; width: 10px; height: 2px; background: var(--brand); }
.copy-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; margin-top: 20px; }
.copy-msg { font-size: 0.9rem; color: var(--muted); }
.copy-out { display: block; width: 100%; margin-top: 12px; padding: 12px; font: 0.88rem/1.5 ui-monospace, SFMono-Regular, Menlo, monospace; color: var(--ink); background: var(--surface); border: 1px solid var(--line-strong); border-radius: var(--radius); }
.copy-out[hidden] { display: none; }

/* Questions + levers */
.questions { margin: 0; padding: 0; list-style: none; counter-reset: q; border-top: 1px solid var(--line); max-width: 78ch; }
.questions li { counter-increment: q; display: grid; grid-template-columns: 2.6rem 1fr; padding: 16px 0; border-bottom: 1px solid var(--line); }
.questions li::before { content: counter(q, decimal-leading-zero); font-family: var(--display); font-weight: 700; color: var(--accent); font-variant-numeric: tabular-nums; }
.levers { display: grid; gap: 16px; }
@media (min-width: 760px) { .levers { grid-template-columns: 1fr 1fr; gap: 18px; } }
.lever {
  padding: 20px 22px; border: 1px solid var(--line); border-left: 3px solid var(--brand);
  border-radius: var(--radius-lg); background: var(--surface); box-shadow: var(--shadow-1);
}
.lever h3 { font-family: var(--display); font-weight: 700; }
.lever p { color: var(--muted); margin-top: 6px; font-size: 0.95rem; }

/* CTA: dark band */
.cta {
  background:
    radial-gradient(900px 360px at 100% 0%, rgba(196, 31, 52, 0.2), transparent 60%),
    var(--night);
}
.cta .wrap > * { max-width: 70ch; }
.cta p { margin-top: 12px; color: var(--muted); }
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }
.cta .btn:not(.btn-primary) { background: transparent; }

/* Agent + disclaimer: deep footer band */
.agent-band { padding-bottom: 32px; border-top: 1px solid rgba(255, 255, 255, 0.06); }
.agent { display: grid; gap: 22px; align-items: center; }
@media (min-width: 560px) { .agent { grid-template-columns: 200px 1fr; gap: 36px; } }
.headshot {
  width: 160px; height: 160px; object-fit: cover; border-radius: 50%;
  border: 3px solid rgba(255, 255, 255, 0.9);
  box-shadow: 0 0 0 6px rgba(196, 31, 52, 0.55), 0 14px 36px rgba(0, 0, 0, 0.5);
  margin: 6px;
}
@media (min-width: 560px) { .headshot { width: 188px; height: 188px; } }
.agent-name { font-size: 1.6rem; }
.agent-title { font-family: var(--display); font-size: 0.78rem; font-weight: 600; letter-spacing: 0.14em; color: var(--accent); margin-top: 4px; }
.agent-firm { margin-top: 6px; color: var(--muted); }
.agent-contact { list-style: none; margin: 16px 0 0; padding: 0; border-top: 1px solid var(--line); max-width: 540px; }
.agent-contact li { display: grid; grid-template-columns: 4.5rem 1fr; gap: 8px; padding: 8px 0; border-bottom: 1px solid var(--line); font-size: 0.95rem; overflow-wrap: anywhere; }
.lbl { color: var(--muted); font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.1em; padding-top: 3px; }
.eho { margin-top: 12px; font-size: 0.85rem; color: var(--muted); }

.disclaimer { padding: 8px 0 48px; }
.disclaimer p { font-size: 0.8rem; color: var(--muted); max-width: 90ch; border-top: 1px solid var(--line); padding-top: 18px; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}
@media (prefers-reduced-motion: no-preference) {
  html { scroll-behavior: smooth; }
  .btn, .inp { transition: border-color 120ms ease, box-shadow 120ms ease, background-color 120ms ease; }
  .path { transition: transform 160ms ease, box-shadow 160ms ease; }
}