/* ===========================================================
   OAKFIELD FINANCIAL GROUP — Design System v2
   Full token set per Claude Design brand handoff (2026-08-04)
   Palette: Forest #2B4A3F + Brass #B08838 + Parchment #F5EDD9
   Typography: Playfair Display + Source Sans 3 + IBM Plex Mono
   Aesthetic: "engraved and printed, not software"
   - NO border-radius (except circular avatars)
   - NO shadows, NO glows
   - Every edge is a hairline border or hard color boundary
   =========================================================== */

:root {
  /* ============ COLOR TOKENS (per Claude Design handoff) ============ */
  --forest: #2B4A3F;              /* Primary. Mastheads, reversed panels, primary buttons */
  --brass: #B08838;               /* Accent only, ≤10% of any surface. Rules, numerals, eyebrows */
  --parchment: #F5EDD9;           /* Ground. Page background, letterhead, card fronts */
  --parchment-raised: #FFFDF7;    /* Raised surfaces on parchment */
  --ivory: #EAE3D2;               /* Secondary panels, table fills */
  --oak: #5C4033;                 /* Secondary text. Labels, dividers, small caps */
  --charcoal: #2A2A2A;            /* Body text. Never pure black. */
  --body-muted: #3A3A38;
  --meta: #7A6A4F;                /* Captions, legal, tertiary */
  --meta-light: #8A7A5C;
  --border: #D9CFB6;              /* Hairline borders on parchment */
  --border-soft: #E2D8BF;
  --border-ivory: #D5C9AE;
  --on-forest: #C5D2C9;           /* Body copy on forest */
  --on-forest-muted: #9FB3A8;
  --on-forest-faint: #7E9689;
  --rule-on-forest: #47645A;
  --border-on-forest: #6A8478;

  /* Legacy compat vars (used by older components — keep pointing at new palette) */
  --color-blue: var(--forest);
  --color-blue-dark: #1E332C;
  --color-blue-light: #3D6555;
  --color-gold: var(--brass);
  --color-gold-light: #C7A253;
  --color-gold-dark: #8E6D22;
  --color-cream: var(--parchment);
  --color-cream-dark: var(--ivory);
  --color-text: var(--charcoal);
  --color-text-muted: var(--meta);
  --color-line: var(--border);
  --color-white: #FFFFFF;
  --color-oak-brown: var(--oak);
  --color-success: #2E7D5B;
  --color-error: #A03A28;

  /* ============ SPACING (per handoff) ============ */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.5rem;
  --space-6: 2rem;
  --space-7: 3rem;
  --space-8: 4rem;
  --space-9: 6rem;
  --space-10: 8rem;

  /* ============ TYPE SCALE (per handoff) ============ */
  --text-xs: 0.8125rem;
  --text-sm: 0.9375rem;
  --text-base: 1.0625rem;   /* 17px body */
  --text-lg: 1.1875rem;
  --text-xl: 1.5rem;
  --text-2xl: 1.875rem;
  --text-3xl: 2.5rem;
  --text-4xl: 3.25rem;
  --text-5xl: 4.5rem;       /* 72px hero H1 */

  /* ============ LAYOUT ============ */
  --container: 1180px;
  --container-narrow: 820px;

  /* ============ TYPE FAMILIES (three families, per handoff) ============ */
  --font-serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --font-sans: 'Source Sans 3', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono: 'IBM Plex Mono', ui-monospace, 'Cascadia Mono', Menlo, monospace;

  /* Radius/shadow — INTENTIONALLY ZERO. Do not add. */
  --radius: 0;
}

/* ============ RESET ============ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  font-family: var(--font-sans);
  font-size: var(--text-base);
  line-height: 1.7;
  color: var(--charcoal);
  background: var(--parchment);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-weight: 400;
}
img, svg { max-width: 100%; display: block; }
button { font: inherit; cursor: pointer; border: 0; background: none; }
a { color: var(--oak); text-decoration: none; transition: color 160ms ease; }
a:hover { color: var(--brass); }

/* ============ TYPOGRAPHY ============ */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-serif);
  color: var(--forest);
  font-weight: 500;
  text-wrap: pretty;
}
h1 { font-size: var(--text-4xl); line-height: 1.08; }
h2 { font-size: var(--text-3xl); line-height: 1.2; font-weight: 600; }
h3 { font-size: var(--text-xl); line-height: 1.3; font-weight: 600; }
p { text-wrap: pretty; }
em { font-style: italic; }
.eyebrow {
  font-family: var(--font-mono);
  font-size: 13.5px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--brass);
  font-weight: 500;
}
.eyebrow-label {
  font-family: var(--font-sans);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--oak);
}
.lead {
  font-size: 20px;
  line-height: 1.6;
  color: var(--body-muted);
  max-width: 720px;
}
.muted { color: var(--meta); }

/* ============ CONTAINER ============ */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

/* ============ SITE HEADER ============ */
.site-header {
  background: var(--forest);
  padding: 32px 0;
  border-bottom: 1px solid var(--rule-on-forest);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.header-brand {
  display: flex;
  align-items: center;
  gap: 18px;
}
.header-mark {
  height: 46px;
  width: auto;
  display: block;
}
.header-rule {
  width: 1px;
  height: 40px;
  background: var(--border-on-forest);
}
.header-wordmark {
  font-family: var(--font-serif);
  font-size: 24px;
  color: var(--parchment);
  line-height: 1;
}
.header-wordmark-sub {
  font-family: var(--font-sans);
  font-size: 8.5px;
  font-weight: 600;
  letter-spacing: 0.30em;
  text-transform: uppercase;
  color: var(--brass);
  margin-top: 4px;
}
.nav-primary {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-primary a {
  color: #E4E9E4;
  font-family: var(--font-sans);
  font-size: 14px;
  letter-spacing: 0.04em;
  font-weight: 400;
}
.nav-primary a:hover { color: var(--brass); }
.nav-cta {
  background: var(--brass);
  border: 1px solid var(--brass);
  color: #22261F !important;
  padding: 12px 22px;
  font-size: 13px !important;
  font-weight: 700;
  letter-spacing: 0.08em !important;
  text-transform: uppercase;
  transition: all 160ms ease;
}
.nav-cta:hover {
  background: var(--color-gold-light);
  border-color: var(--color-gold-light);
  color: #22261F !important;
}
.mobile-toggle {
  display: none;
  color: var(--parchment);
}

/* ============ PRELAUNCH BANNER ============ */
.prelaunch-banner {
  background: var(--brass);
  color: #22261F;
  padding: 10px 24px;
  text-align: center;
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 500;
}

/* ============ HERO ============ */
.hero {
  background: var(--forest);
  color: var(--parchment);
  padding: 128px 0 148px;
  position: relative;
  overflow: hidden;
  min-height: 620px;
}
.hero::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: url('/img/hero-oak-landscape.jpg') center center / cover no-repeat;
  z-index: 1;
}
.hero::after {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background:
    linear-gradient(90deg, rgba(15,30,25,0.30) 0%, rgba(15,30,25,0.65) 40%, rgba(15,30,25,0.92) 100%),
    linear-gradient(180deg, rgba(0,0,0,0.15) 0%, rgba(0,0,0,0.10) 40%, rgba(0,0,0,0.35) 100%);
  z-index: 2;
}
.hero .container { position: relative; z-index: 3; }
.hero-content {
  max-width: 640px;
  margin-left: auto;
  text-align: left;
  text-shadow: 0 2px 20px rgba(0,0,0,0.75), 0 1px 3px rgba(0,0,0,0.5);
}
.hero-content h1, .hero-content p, .hero-content .eyebrow, .hero-content .lead {
  text-shadow: 0 2px 20px rgba(0,0,0,0.75), 0 1px 3px rgba(0,0,0,0.5);
}
@media (max-width: 900px) {
  .hero { min-height: 480px; padding: 88px 0 96px; }
  .hero-content { max-width: 100%; margin-left: 0; }
  .hero::after {
    background:
      linear-gradient(180deg, rgba(15,30,25,0.55) 0%, rgba(15,30,25,0.80) 60%, rgba(15,30,25,0.95) 100%);
  }
}
.hero .eyebrow { color: var(--brass); margin-bottom: 20px; display: block; }
.hero h1 {
  font-size: 72px;
  line-height: 1.06;
  color: var(--parchment);
  margin: 0 0 24px;
  font-weight: 500;
}
.hero h1 em {
  font-style: italic;
  color: var(--parchment);
  opacity: 0.92;
}
.hero .lead {
  color: #D6DED8;
  font-size: 20px;
  max-width: 680px;
  margin-bottom: 36px;
}
.hero-ctas { display: flex; gap: 24px; align-items: center; flex-wrap: wrap; }

/* ============ BUTTONS ============ */
.btn {
  display: inline-block;
  padding: 16px 30px;
  font-family: var(--font-sans);
  font-size: 13.5px;
  font-weight: 700;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  text-decoration: none;
  transition: background 160ms ease, color 160ms ease, border-color 160ms ease;
  border: 1px solid transparent;
}
.btn-primary {
  background: var(--brass);
  color: #22261F;
}
.btn-primary:hover { background: #C7A253; color: #22261F; }
.btn-secondary-forest {
  background: var(--forest);
  color: var(--parchment);
}
.btn-secondary-forest:hover { background: #23413A; }
.btn-outline {
  background: transparent;
  color: var(--parchment);
  border-bottom: 1px solid var(--on-forest-muted);
  padding: 4px 0 6px;
  text-transform: none;
  letter-spacing: 0.02em;
  font-size: 15px;
  font-weight: 400;
}
.btn-outline:hover { border-bottom-color: var(--brass); color: var(--brass); }
.btn-gold { background: var(--brass); color: #22261F; }

/* ============ TRUST STRIP ============ */
.trust-strip {
  background: var(--ivory);
  padding: 40px 0;
  border-bottom: 1px solid var(--border-ivory);
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  text-align: center;
}
.trust-stat .number {
  font-family: var(--font-serif);
  font-size: 44px;
  font-weight: 500;
  color: var(--forest);
  display: block;
  line-height: 1;
  margin-bottom: 8px;
}
.trust-stat .label {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--meta);
}

/* ============ SECTIONS ============ */
.section { padding: 72px 0 88px; }
.section-cream-dark { background: var(--ivory); }
.section-forest, .section-blue { background: var(--forest); color: var(--parchment); }
.section-forest h2, .section-blue h2 { color: var(--parchment); }
.section-head { max-width: 720px; margin: 0 auto 56px; text-align: center; }
.section-head .eyebrow { display: block; margin-bottom: 16px; }
.section-head h2 { margin-bottom: 16px; }

/* ============ SERVICES GRID ============ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--parchment-raised);
  border: 1px solid var(--border);
  padding: 34px;
  color: var(--charcoal);
  display: block;
  transition: border-color 160ms ease;
}
.service-card:hover {
  border-color: var(--brass);
  color: var(--charcoal);
}
.service-card .icon {
  width: 32px;
  height: 32px;
  color: var(--brass);
  margin-bottom: 20px;
}
.service-card h3 {
  color: var(--forest);
  font-size: 22px;
  margin-bottom: 12px;
}
.service-card p {
  font-size: 15px;
  line-height: 1.65;
  color: var(--body-muted);
  margin-bottom: 20px;
}
.service-card .arrow {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--brass);
}

/* ============ OAK PROCESS ============ */
.process-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 44px;
}
.process-card {
  background: var(--parchment);
  padding: 40px;
  display: flex;
  flex-direction: column;
}
.process-letter-row {
  display: flex;
  align-items: baseline;
  gap: 16px;
  margin-bottom: 20px;
}
.process-letter {
  font-family: var(--font-serif);
  font-size: 64px;
  font-weight: 500;
  color: var(--brass);
  line-height: 0.9;
}
.process-word {
  font-family: var(--font-serif);
  font-size: 32px;
  font-weight: 600;
  color: var(--forest);
}
.process-statement {
  font-family: var(--font-serif);
  font-size: 24px;
  line-height: 1.3;
  color: var(--forest);
  margin-bottom: 16px;
  font-weight: 500;
}
.process-body {
  font-size: 16px;
  line-height: 1.7;
  color: var(--body-muted);
  margin-bottom: 24px;
}
.process-bucket-label {
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid var(--border-ivory);
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  color: var(--meta-light);
}
.process-questions {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 24px;
}
.process-questions-panel {
  border: 1px solid var(--rule-on-forest);
  padding: 34px;
}
.process-questions-panel h4 {
  font-family: var(--font-mono);
  font-size: 12px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--brass);
  margin-bottom: 20px;
  font-weight: 400;
}
.process-question {
  display: flex;
  gap: 16px;
  padding: 20px 0;
  border-bottom: 1px solid var(--rule-on-forest);
}
.process-question:last-child { border-bottom: none; }
.process-question-num {
  font-family: var(--font-mono);
  font-size: 12px;
  color: var(--brass);
}
.process-question-text {
  font-family: var(--font-serif);
  font-size: 22px;
  color: var(--parchment);
  line-height: 1.35;
}
.process-referral {
  font-family: var(--font-serif);
  font-size: 27px;
  font-style: italic;
  color: var(--parchment);
  margin-bottom: 16px;
  line-height: 1.35;
}
.process-referral-note {
  font-size: 15px;
  color: var(--on-forest-muted);
}

/* ============ QUOTE BLOCK ============ */
.quote-block {
  max-width: 820px;
  margin: 0 auto;
  text-align: center;
  padding: 40px 0;
}
.quote-block blockquote {
  font-family: var(--font-serif);
  font-size: 32px;
  font-weight: 400;
  font-style: italic;
  line-height: 1.35;
  color: var(--forest);
  margin: 20px 0 24px;
}
.quote-block cite {
  font-family: var(--font-sans);
  font-size: 13px;
  font-style: normal;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--oak);
  font-weight: 600;
}

/* ============ CTA BANNER ============ */
.cta-banner {
  background: var(--forest);
  color: var(--parchment);
  padding: 88px 0;
  text-align: center;
}
.cta-banner h2 {
  color: var(--parchment);
  margin-bottom: 16px;
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}
.cta-banner p {
  color: var(--on-forest);
  max-width: 620px;
  margin: 0 auto 32px;
  font-size: 18px;
  line-height: 1.6;
}

/* ============ FOOTER ============ */
.site-footer {
  background: var(--forest);
  color: var(--parchment);
  padding: 72px 0 32px;
  border-top: 1px solid var(--rule-on-forest);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 56px;
}
.footer-brand {
  font-family: var(--font-serif);
  font-size: 22px;
  color: var(--parchment);
  margin-bottom: 8px;
}
.footer-tag {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--brass);
  margin-bottom: 20px;
}
.footer-col p, .footer-col a {
  font-size: 14px;
  line-height: 1.7;
  color: var(--on-forest);
}
.footer-col h4 {
  font-family: var(--font-sans);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--parchment);
  margin-bottom: 16px;
}
.footer-col a { display: block; margin-bottom: 8px; }
.footer-col a:hover { color: var(--brass); }
.footer-bottom {
  padding-top: 32px;
  border-top: 1px solid var(--rule-on-forest);
  font-size: 11px;
  color: var(--on-forest-muted);
  line-height: 1.65;
  font-family: var(--font-mono);
  letter-spacing: 0.04em;
}
.footer-bottom .compliance-line {
  display: block;
  margin-top: 12px;
  font-family: var(--font-sans);
  font-size: 10.5px;
  letter-spacing: 0;
  line-height: 1.65;
}

/* ============ CALCULATOR CALLOUT ON HOMEPAGE ============ */
.calculator-callout {
  background: var(--ivory);
  padding: 56px 0;
}
.calculator-callout-card {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 48px;
  align-items: center;
  padding: 48px;
  background: var(--parchment-raised);
  border: 1px solid var(--border);
}
.calculator-callout-card .eyebrow { margin-bottom: 12px; display: block; }
.calculator-callout-card h2 {
  font-size: 36px;
  margin-bottom: 16px;
  color: var(--forest);
}
.calculator-callout-card p {
  font-size: 17px;
  line-height: 1.65;
  color: var(--body-muted);
  margin-bottom: 28px;
}
.calculator-callout-figure {
  text-align: center;
  padding: 24px;
  border-left: 1px solid var(--border);
}
.calculator-callout-number {
  font-family: var(--font-serif);
  font-size: 72px;
  font-weight: 500;
  color: var(--brass);
  line-height: 1;
}
.calculator-callout-label {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--meta);
  margin-top: 12px;
  line-height: 1.6;
}

/* ============ UMBRELLA SUB-BRAND STRIP ============ */
.umbrella-strip {
  background: var(--parchment);
  padding: 72px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.umbrella-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 40px;
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}
.umbrella-card {
  background: var(--parchment-raised);
  border: 1px solid var(--border);
  padding: 32px;
}
.umbrella-card .umbrella-partner-name {
  font-family: var(--font-serif);
  font-size: 26px;
  color: var(--charcoal);
  margin-bottom: 16px;
}
.umbrella-card .umbrella-partner-rule {
  border-top: 1px solid var(--border);
  padding-top: 16px;
  margin-top: 16px;
}
.umbrella-card .umbrella-by-line {
  font-family: var(--font-sans);
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--oak);
  margin-bottom: 8px;
}
.umbrella-card .umbrella-oak-partner {
  display: flex;
  align-items: center;
  gap: 12px;
}
.umbrella-card .umbrella-oak-partner img { height: 34px; width: auto; }
.umbrella-card .umbrella-oak-partner span {
  font-family: var(--font-serif);
  font-size: 20px;
  color: var(--forest);
}
.umbrella-card-forest {
  background: var(--forest);
  color: var(--parchment);
  border: none;
  padding: 32px;
}
.umbrella-card-forest .umbrella-eyebrow {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.20em;
  text-transform: uppercase;
  color: var(--brass);
  margin-bottom: 16px;
}
.umbrella-state-list {
  font-family: var(--font-mono);
  font-size: 13px;
  letter-spacing: 0.10em;
  color: var(--parchment);
  margin-top: 20px;
}
.umbrella-state-list .planned { color: var(--brass); }

/* ============ RESPONSIVE ============ */
@media (max-width: 900px) {
  .nav-primary { display: none; }
  .mobile-toggle { display: block; }
  .hero { padding: 64px 0 88px; }
  .hero h1 { font-size: 42px; }
  .hero .lead { font-size: 17px; }
  .services-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; }
  .process-questions { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 24px; }
  .calculator-callout-card { grid-template-columns: 1fr; padding: 32px; }
  .calculator-callout-figure { border-left: none; border-top: 1px solid var(--border); padding-top: 32px; }
  .umbrella-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .section { padding: 48px 0; }

  /* Mobile menu — slide down from header */
  .site-header { position: relative; }
  .nav-primary.open {
    display: flex !important;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--forest);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 8px 24px 20px;
    z-index: 100;
    border-top: 1px solid var(--rule-on-forest);
    box-shadow: 0 8px 20px rgba(0,0,0,0.35);
  }
  .nav-primary.open a {
    padding: 14px 0;
    border-bottom: 1px solid var(--rule-on-forest);
    font-size: 15px;
  }
  .nav-primary.open a:last-child { border-bottom: none; }
  .nav-primary.open .nav-cta {
    margin-top: 12px;
    text-align: center;
    border-bottom: none;
  }
  .mobile-toggle {
    background: transparent;
    border: none;
    padding: 8px;
  }
}

/* ============ NARROW MOBILE — nuclear inline-grid + type overrides ============ */
/* Note: uses !important because pages use inline styles for layout.
   These overrides only kick in ≤700px so desktop remains pixel-exact. */
@media (max-width: 700px) {
  .container { padding: 0 18px; }

  /* Force ALL inline grid layouts into single column with reasonable gap */
  section [style*="grid-template-columns"] {
    grid-template-columns: 1fr !important;
    gap: 20px !important;
  }
  /* Kill left/right dividers between now-stacked columns */
  section [style*="border-left: 1px solid"] {
    border-left: none !important;
    padding-left: 0 !important;
  }
  section [style*="border-right: 1px solid"] {
    border-right: none !important;
  }

  /* Reduce large inline paddings on cards + wrappers */
  section [style*="padding: 48px"] { padding: 28px !important; }
  section [style*="padding: 40px"] { padding: 24px !important; }
  section [style*="padding: 36px"] { padding: 22px !important; }
  section [style*="padding: 64px"] { padding: 28px !important; }

  /* Cap giant serif/sans font-sizes so nothing overflows on a 375px viewport */
  section [style*="font-size: 72px"] { font-size: 40px !important; }
  section [style*="font-size: 64px"] { font-size: 36px !important; }
  section [style*="font-size: 56px"] { font-size: 32px !important; }
  section [style*="font-size: 52px"] { font-size: 32px !important; }
  section [style*="font-size: 44px"] { font-size: 28px !important; }
  section [style*="font-size: 38px"] { font-size: 26px !important; }
  section [style*="font-size: 36px"] { font-size: 24px !important; }
  section [style*="font-size: 32px"] { font-size: 22px !important; }
  section [style*="font-size: 30px"] { font-size: 22px !important; }
  section [style*="font-size: 28px"] { font-size: 21px !important; }
  section [style*="font-size: 26px"] { font-size: 20px !important; }
  section [style*="font-size: 24px"] { font-size: 19px !important; }
  section [style*="font-size: 22px"] { font-size: 18px !important; }
  section [style*="font-size: 20px"] { font-size: 17px !important; }

  /* Base typography — bring the whole thing down a notch */
  .hero h1 { font-size: 34px !important; line-height: 1.1 !important; }
  h1 { font-size: 28px; line-height: 1.15; }
  h2 { font-size: 24px; line-height: 1.2; }
  h3 { font-size: 19px; }
  .lead { font-size: 16px !important; line-height: 1.55; }
  .hero .lead { font-size: 16px !important; }

  /* Section vertical rhythm */
  .section { padding: 40px 0 !important; }
  .hero { padding: 56px 0 68px !important; min-height: auto !important; }

  /* CTA banner + footer breathing room */
  .cta-banner { padding: 56px 0 !important; }
  .cta-banner p { font-size: 16px; }
  .site-footer { padding: 48px 0 24px !important; }

  /* Downside-math demo (5-col strip) — force stacked centered blocks */
  section [style*="grid-template-columns: repeat(5, 1fr)"] > div[style*="font-size: 32px"] {
    display: none !important; /* hide the → arrows on mobile */
  }

  /* Rate-comparison rows (200px 1fr 140px) — keep the visual bar, just stack */
  section [style*="grid-template-columns: 200px 1fr 140px"] {
    grid-template-columns: 1fr !important;
    gap: 12px !important;
  }

  /* Trust strip stacks to 1 col on very narrow */
  .trust-grid { grid-template-columns: 1fr !important; gap: 20px; }
  .trust-stat .number { font-size: 36px; }

  /* Footer collapses further to 1 col */
  .footer-grid { grid-template-columns: 1fr !important; gap: 32px; }
  .footer-bottom { font-size: 10px; }
  .footer-bottom .compliance-line { font-size: 10px; }

  /* Forms — pull padding down */
  .contact-form { padding: 24px !important; }
  .form-group input, .form-group textarea, .form-group select {
    font-size: 16px; /* prevents iOS zoom */
    padding: 12px 14px !important;
  }

  /* Buttons — full-width feels right on phone */
  .hero-ctas { gap: 12px; width: 100%; }
  .hero-ctas .btn { width: 100%; text-align: center; box-sizing: border-box; }
  .btn { padding: 14px 22px; font-size: 12.5px; }

  /* Rates table — smaller */
  .rates-table tbody td.term { font-size: 15px !important; }
  .rates-table tbody td.rate { font-size: 20px !important; }
  .rates-table thead th { font-size: 10px !important; padding: 12px 10px !important; }
  .rates-table tbody td { padding: 14px 10px !important; }

  /* Images that flex — cap width sensibly */
  img { max-width: 100%; height: auto; }

  /* Prevent horizontal scroll from any wide inline element */
  body { overflow-x: hidden; }
}