/* NFIS theme — base styles (every page) */
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
:root{
  --sage:#5B7B5E;--sage-deep:#3D5A40;--sage-light:#8BAF8E;--sage-pale:#E8F0E9;--sage-wash:#F4F7F5;
  --terracotta:#C4734F;--terracotta-light:#D4956F;--terracotta-pale:#FDF3EE;
  --cream:#FDF9F3;--cream-warm:#F7F0E6;
  --charcoal:#3A3A3A;--warm-grey:#6B6760;--light-grey:#B5B0A8;
  --white:#FFFFFF;
  --font-display:'Spectral',Georgia,serif;
  --font-body:'Source Sans 3',system-ui,sans-serif;
  --z-overlay:100;--z-nav:200;--z-skip:300;
}
h1,h2,h3{font-weight:700;text-wrap:balance}
.nav__brand-name,.footer__brand-name,.faq__question,.testimonial__quote{font-weight:600}
.hero__greeting{font-weight:500}
p{text-wrap:pretty}
html{scroll-behavior:smooth;font-size:16px;scroll-padding-top:100px}
body{font-family:var(--font-body);color:var(--charcoal);background:var(--cream);line-height:1.7;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block;height:auto}
a{text-decoration:none;color:inherit}
.container{max-width:1200px;margin:0 auto;padding:0 1.75rem}

/* ===== Skip link ===== */
.skip{position:fixed;top:-100px;left:1rem;z-index:var(--z-skip);background:var(--sage);color:var(--white);padding:.75rem 1.25rem;border-radius:10px;font-weight:600;transition:top .2s ease}
.skip:focus{top:1rem}

/* ===== Buttons ===== */
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.875rem 2rem;font-size:.9375rem;font-weight:600;border-radius:100px;border:none;cursor:pointer;transition:background .3s ease,color .3s ease,border-color .3s ease,transform .3s ease,box-shadow .3s ease;text-decoration:none}
.btn--primary{background:var(--sage);color:var(--white)}
.btn--primary:hover{background:var(--sage-deep);transform:translateY(-2px);box-shadow:0 10px 30px rgba(91,123,94,.25)}
.btn--soft{background:var(--white);color:var(--sage-deep);border:1.5px solid var(--sage-light)}
.btn--soft:hover{background:var(--sage-pale);border-color:var(--sage)}
.btn--outline{background:transparent;color:var(--sage-deep);border:1.5px solid var(--sage-light)}
.btn--outline:hover{background:var(--sage-pale);border-color:var(--sage)}

/* ===== Focus states ===== */
*:focus-visible{outline:2px solid var(--sage);outline-offset:2px;border-radius:2px}
.btn:focus-visible,.btn--primary:focus-visible,.btn--outline:focus-visible{outline-offset:4px}

/* ===== Animations ===== */
.js .fade-up{opacity:0;transform:translateY(24px);transition:all .7s cubic-bezier(.16,1,.3,1)}
.js .fade-up.visible{opacity:1;transform:translateY(0)}

/* ===== Reduced motion ===== */
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important}
  .js .fade-up,.fade-up{opacity:1!important;transform:none!important}
  html{scroll-behavior:auto!important}
}

/* ===== Header / Nav (shared across templates) ===== */
.nav{position:fixed;top:0;left:0;right:0;z-index:var(--z-nav);padding:1rem 0;transition:background .4s ease,box-shadow .4s ease}
body.menu-open .nav__cta{display:none}
.nav.scrolled{background:rgba(253,249,243,.95);backdrop-filter:blur(16px);box-shadow:0 2px 20px rgba(0,0,0,.04)}
.nav__inner{display:flex;align-items:center;justify-content:space-between;max-width:1200px;margin:0 auto;padding:0 1.75rem}
.nav__brand{display:flex;align-items:center;gap:.75rem}
.nav__brand-logo{height:44px;width:auto;display:block}
.nav__brand-name{font-family:var(--font-display);font-size:1.125rem;color:var(--charcoal)}
.nav__brand-name span{color:var(--sage)}
.nav__links{display:flex;align-items:center;gap:2rem;list-style:none;margin:0;padding:0}
.nav__links > li{position:relative}
.nav__links a{font-size:.875rem;font-weight:500;color:var(--warm-grey);transition:color .3s}
.nav__links a:hover{color:var(--sage-deep)}
.nav__links .nav__dropdown{position:absolute;top:100%;left:0;min-width:200px;background:var(--white);border-radius:12px;box-shadow:0 12px 40px rgba(0,0,0,.1);padding:.5rem 0;list-style:none;margin:0;opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .25s ease,transform .25s ease,visibility .25s;z-index:50}
.nav__links > li:hover > .nav__dropdown,.nav__links > li:focus-within > .nav__dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.nav__dropdown li{margin:0}
.nav__dropdown a{display:block;padding:.5rem 1.25rem;font-size:.8125rem;color:var(--charcoal);white-space:nowrap}
.nav__dropdown a:hover{background:var(--sage-pale);color:var(--sage-deep)}
.nav__links .menu-item-has-children > a::after{content:'▾';font-size:.625rem;margin-left:.25rem;color:var(--warm-grey);opacity:.6}
.nav__cta{background:var(--sage);color:var(--white);padding:.625rem 1.5rem;border-radius:100px;font-weight:600;font-size:.8125rem;transition:all .3s;letter-spacing:.02em}
.nav__cta:hover{background:var(--sage-deep);transform:translateY(-1px);box-shadow:0 6px 20px rgba(91,123,94,.25)}
.nav__phone{color:var(--sage-deep);font-weight:600;font-size:.875rem;display:flex;align-items:center;gap:.4rem}
.nav__hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;cursor:pointer;background:none;border:none;width:44px;height:44px;padding:0;color:var(--charcoal)}
.nav__hamburger span{width:22px;height:2px;background:currentColor;border-radius:1px;transition:all .3s}

/* ===== Mobile menu overlay (shared) ===== */
.nav__mobile-overlay{position:fixed;inset:0;background:rgba(253,249,243,.98);z-index:var(--z-overlay);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2rem;opacity:0;pointer-events:none;transition:opacity .3s ease}
.nav__mobile-overlay.open{opacity:1;pointer-events:all}
.nav__mobile-overlay a{color:var(--charcoal);font-family:var(--font-display);font-size:1.5rem;transition:color .3s}
.nav__mobile-overlay a:hover{color:var(--sage-deep)}
.nav__mobile-overlay a.btn--primary{color:var(--white)}
.nav__mobile-overlay a.btn--primary:hover{color:var(--white)}
.nav__hamburger.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.nav__hamburger.active span:nth-child(2){opacity:0}
.nav__hamburger.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}

/* ===== Footer (shared) ===== */
.footer{background:var(--charcoal);color:rgba(255,255,255,.72);padding:4rem 0 2rem;font-size:.8125rem}
.footer__grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:3rem;margin-bottom:3rem}
.footer__brand-name{font-family:var(--font-display);font-size:1.25rem;color:var(--white);margin-bottom:1rem}
.footer__brand-name span{color:var(--sage-light)}
.footer__brand-lockup{display:flex;align-items:center;gap:.85rem;margin-bottom:1rem}
.footer__brand-lockup .footer__brand-name{margin-bottom:0}
.footer__logo{height:50px;width:auto;display:block;flex-shrink:0}
.footer__brand p{line-height:1.7;max-width:280px}
.footer__col-title{font-weight:600;font-size:.6875rem;letter-spacing:.15em;text-transform:uppercase;color:var(--white);margin-bottom:1.25rem}
.footer__col ul{list-style:none;padding:0}
.footer__col li{margin-bottom:.5rem}
.footer__col a{transition:color .3s}
.footer__col a:hover{color:var(--sage-light)}
.footer__bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:1.5rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;font-size:.75rem}
.footer__disclaimer{margin-top:2rem;padding-top:1.5rem;border-top:1px solid rgba(255,255,255,.12);font-size:.8125rem;line-height:1.6;color:rgba(255,255,255,.82)}

/* ===== Calculator notices (deactivation fallback) ===== */
.nfis-calc-notice{padding:1.5rem;border-radius:16px;margin:1.5rem 0}
.nfis-calc-notice-admin{background:var(--terracotta-pale);border:1px solid var(--terracotta-light)}
.nfis-calc-notice-public{background:var(--sage-pale);border:1px solid var(--sage-light)}
.nfis-calc-notice a{color:var(--sage-deep);font-weight:600;text-decoration:underline}

/* ===== Responsive (shared) ===== */
@media(max-width:1024px){
  .nav__links{display:none}
  .nav__hamburger{display:flex}
  .nav__phone{display:none}
  .footer__grid{grid-template-columns:1fr 1fr}
}
@media(max-width:768px){
  .footer__grid{grid-template-columns:1fr}
  .footer__bottom{flex-direction:column;text-align:center}
}

/* ===== Print ===== */
@media print{
  .nav,.footer,.skip,.nav__mobile-overlay,.cta,.hero__float-card{display:none!important}
  body{background:#fff;color:#000}
  .fade-up{opacity:1!important;transform:none!important}
}