/* HOA Treasurer Toolkit — content site stylesheet
   Self-contained, no external dependencies. Trustworthy financial aesthetic. */
:root{
  --navy:#15324b;
  --navy-dark:#0e2336;
  --navy-light:#1e4265;
  --gold:#c9971f;
  --gold-dark:#a1760f;
  --gold-soft:#faf3e2;
  --bg:#ffffff;
  --bg-soft:#f6f4ee;
  --text:#232a31;
  --muted:#5d6b77;
  --line:#e3ded1;
  --radius:12px;
  --max:1080px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--text);background:var(--bg);line-height:1.7;font-size:17px;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.25;letter-spacing:.01em}
h1{font-size:clamp(2rem,4.5vw,3rem);margin-bottom:.6em}
h2{font-size:clamp(1.5rem,3vw,2rem);margin:0 0 .6em}
h3{font-size:1.2rem;margin:0 0 .4em}
p{margin-bottom:1em}
a{color:var(--navy-light)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
section{padding:64px 0}
.section-soft{background:var(--bg-soft)}

/* Header */
.site-header{background:var(--navy-dark);color:#fff;position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px}
.brand{font-family:Georgia,serif;font-size:1.15rem;color:#fff;text-decoration:none;font-weight:bold}
.brand span{color:var(--gold)}
.nav a{color:#d7dee6;text-decoration:none;margin-left:22px;font-size:.95rem}
.nav a:hover{color:#fff}
.nav .btn{margin-left:22px}

/* Buttons */
.btn{display:inline-block;padding:13px 28px;border-radius:8px;font-weight:700;text-decoration:none;font-size:1rem;border:2px solid transparent;cursor:pointer;transition:transform .12s ease,box-shadow .12s ease}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:var(--gold);color:#1d1a08;border-color:var(--gold-dark)}
.btn-gold:hover{background:var(--gold-dark);color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-light)}
.btn-outline{border-color:#fff;color:#fff;background:transparent}
.btn-outline:hover{background:rgba(255,255,255,.12)}
.btn-lg{font-size:1.1rem;padding:16px 36px}
.btn-block{display:block;text-align:center}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy-dark) 0%,var(--navy) 60%,var(--navy-light) 100%);color:#fff;padding:88px 0}
.hero h1{color:#fff;max-width:16em}
.hero p.lead{font-size:1.2rem;color:#cfd9e3;max-width:34em;margin-bottom:1.6em}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:1.4em}
.hero-note{font-size:.9rem;color:#9fb0c1}
.hero-note strong{color:var(--gold)}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:1em}

/* Trust bar */
.trustbar{background:var(--navy-dark);border-top:1px solid rgba(255,255,255,.12);color:#cfd9e3;padding:18px 0;font-size:.92rem}
.trustbar .wrap{display:flex;gap:28px;flex-wrap:wrap;justify-content:center}
.trustbar span::before{content:"✓ ";color:var(--gold);font-weight:bold}

/* Cards */
.grid{display:grid;gap:22px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 2px 10px rgba(21,50,75,.05)}
.card h3{margin-bottom:.5em}
.card p{color:var(--muted);font-size:.97rem;margin-bottom:0}
.card .icon{font-size:1.8rem;margin-bottom:.4em}
.section-head{max-width:44em;margin-bottom:2.2em}
.section-head p{color:var(--muted);font-size:1.08rem}

/* Checklist */
.checklist{list-style:none}
.checklist li{padding:12px 0 12px 40px;position:relative;border-bottom:1px solid var(--line)}
.checklist li:last-child{border-bottom:none}
.checklist li::before{content:"☐";position:absolute;left:4px;top:11px;font-size:1.25rem;color:var(--gold-dark)}

/* Steps */
.steps{counter-reset:step;list-style:none}
.steps li{counter-increment:step;padding:18px 0 18px 64px;position:relative;border-bottom:1px solid var(--line)}
.steps li:last-child{border-bottom:none}
.steps li::before{content:counter(step);position:absolute;left:0;top:16px;width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;font-family:Georgia,serif;font-weight:bold;display:flex;align-items:center;justify-content:center;font-size:1.15rem}

/* FAQ */
details.faq{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:12px;padding:18px 22px}
details.faq summary{font-weight:700;color:var(--navy);cursor:pointer;font-size:1.02rem}
details.faq summary::-webkit-details-marker{color:var(--gold-dark)}
details.faq p{margin:.8em 0 0;color:var(--muted)}

/* CTA box */
.cta-box{background:linear-gradient(135deg,var(--navy-dark),var(--navy-light));color:#fff;border-radius:16px;padding:52px 40px;text-align:center}
.cta-box h2{color:#fff}
.cta-box p{color:#cfd9e3;max-width:36em;margin:0 auto 1.6em}
.price{font-family:Georgia,serif;font-size:2.6rem;color:var(--gold);font-weight:bold;margin-bottom:.2em}
.price small{font-size:1rem;color:#9fb0c1;font-family:inherit}
.guarantee{margin-top:1.2em;font-size:.9rem;color:#9fb0c1}

/* Article */
.article-hero{background:var(--bg-soft);padding:56px 0;border-bottom:1px solid var(--line)}
.article-hero h1{max-width:20em}
.article-meta{color:var(--muted);font-size:.92rem;margin-top:.8em}
.article-body{max-width:760px;margin:0 auto;padding:56px 24px}
.article-body h2{margin-top:2em;padding-top:.4em;border-top:3px solid var(--gold-soft)}
.article-body h2:first-child{border-top:none;margin-top:0;padding-top:0}
.article-body ul,.article-body ol{margin:0 0 1em 1.4em}
.article-body li{margin-bottom:.5em}
.article-body table{width:100%;border-collapse:collapse;margin:1.2em 0;font-size:.95rem}
.article-body th,.article-body td{border:1px solid var(--line);padding:10px 12px;text-align:left}
.article-body th{background:var(--bg-soft);color:var(--navy)}
.callout{background:var(--gold-soft);border-left:4px solid var(--gold);border-radius:0 8px 8px 0;padding:16px 20px;margin:1.4em 0}
.callout p{margin:0}
.related{border-top:1px solid var(--line);margin-top:3em;padding-top:1.6em}
.related h3{margin-bottom:.8em}
.related ul{list-style:none;margin:0}
.related li{margin-bottom:.5em}
.soft-cta{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:32px;margin-top:2.4em;text-align:center}
.soft-cta h3{margin-bottom:.5em}
.soft-cta p{color:var(--muted);max-width:34em;margin:0 auto 1.4em}

/* Footer */
footer{background:var(--navy-dark);color:#9fb0c1;padding:48px 0 32px;font-size:.9rem}
footer .wrap{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
footer h4{color:#fff;font-size:1rem;margin-bottom:.8em;font-family:inherit}
footer a{color:#cfd9e3;text-decoration:none}
footer a:hover{color:#fff}
footer ul{list-style:none}
footer li{margin-bottom:.5em}
.disclaimer{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.12);padding-top:20px;margin-top:8px;font-size:.82rem;color:#7d8fa1}

/* Responsive */
@media(max-width:860px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
  footer .wrap{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  body{font-size:16px}
  section{padding:44px 0}
  .grid-2,.grid-4{grid-template-columns:1fr}
  .nav a:not(.btn){display:none}
  .hero{padding:60px 0}
  .hero-ctas .btn{width:100%;text-align:center}
  .cta-box{padding:36px 24px}
  footer .wrap{grid-template-columns:1fr}
  .article-body{padding:36px 20px}
}