/* =====================================================================
   Charles Fish Investments — Website Styles
   Brand colors (from official color spec):
     PMS 3025  rgb(0, 79, 110)  #004F6E   — primary (CFI blue)
     PMS 405   rgb(106, 97, 88) #6A6158   — text (warm gray)
   Accent gold derived from the fact sheet highlight band.
   ===================================================================== */

:root {
  --cfi-blue: #004F6E;
  --cfi-blue-deep: #003A54;
  --cfi-blue-soft: #EAF1F5;
  --cfi-text: #6A6158;
  --cfi-text-dark: #3D3730;
  --cfi-gold: #B08D3F;
  --cfi-gold-soft: #F6EEDB;
  --cfi-cream: #FAF7F1;
  --cfi-off-white: #FBFBFA;
  --cfi-line: #E5E1D9;
  --cfi-good: #1f7a4a;
  --cfi-bad: #A03A2A;

  --font-serif: "Cormorant Garamond", "Caslon", "Palatino Linotype", Georgia, serif;
  --font-sans: "Source Sans 3", "Myriad Pro", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;

  --max-w: 1180px;
  --radius: 8px;
  --shadow: 0 1px 2px rgba(0,0,0,.04), 0 8px 24px rgba(0,0,0,.06);
  --shadow-lg: 0 4px 10px rgba(0,0,0,.06), 0 24px 60px rgba(0,0,0,.08);
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.6;
  color: var(--cfi-text-dark);
  background: #fff;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--cfi-blue); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 {
  font-family: var(--font-serif);
  font-weight: 600;
  color: var(--cfi-blue);
  letter-spacing: -0.01em;
  margin: 0 0 .5em;
}
h1 { font-size: clamp(2rem, 5vw + .5rem, 3.8rem); line-height: 1.08; }
h2 { font-size: clamp(1.6rem, 2.6vw + .5rem, 2.6rem); line-height: 1.15; }
h3 { font-size: clamp(1.15rem, 1vw + .8rem, 1.5rem); }
h4 { font-size: 1rem; text-transform: uppercase; letter-spacing: .08em; color: var(--cfi-text); }

p { margin: 0 0 1em; }

.container { max-width: var(--max-w); margin: 0 auto; padding: 0 24px; }

.eyebrow {
  font-family: var(--font-sans);
  text-transform: uppercase;
  letter-spacing: .18em;
  font-size: .78rem;
  font-weight: 600;
  color: var(--cfi-text);
  margin: 0 0 .8em;
}
.eyebrow.gold { color: var(--cfi-gold); }

.btn {
  display: inline-block;
  padding: 14px 28px;
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 1rem;
  letter-spacing: .04em;
  border-radius: var(--radius);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform .12s ease, background .2s ease, color .2s ease, border-color .2s ease;
  text-decoration: none;
}
.btn-primary { background: var(--cfi-blue); color: #fff; }
.btn-primary:hover { background: var(--cfi-blue-deep); transform: translateY(-1px); text-decoration: none; }
.btn-ghost { background: transparent; color: var(--cfi-blue); border-color: var(--cfi-blue); }
.btn-ghost:hover { background: var(--cfi-blue); color: #fff; text-decoration: none; }

/* ========== HEADER ========== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--cfi-line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 80px;
  padding-top: 12px;
  padding-bottom: 12px;
}
.logo { width: auto; height: 46px; }
.primary-nav ul {
  display: flex;
  gap: 28px;
  list-style: none;
  margin: 0; padding: 0;
  align-items: center;
}
.primary-nav a {
  color: var(--cfi-text-dark);
  font-weight: 500;
  font-size: .98rem;
  letter-spacing: .02em;
  padding: 8px 2px;
  border-bottom: 2px solid transparent;
  transition: border-color .18s ease, color .18s ease;
}
.primary-nav a:hover { color: var(--cfi-blue); border-bottom-color: var(--cfi-gold); text-decoration: none; }
.primary-nav a.nav-cta {
  background: var(--cfi-blue);
  color: #fff;
  padding: 8px 18px;
  border-radius: var(--radius);
  border-bottom: none;
}
.primary-nav a.nav-cta:hover { background: var(--cfi-blue-deep); border-bottom: none; }

.nav-toggle {
  display: none;
  background: none;
  border: 0;
  width: 44px; height: 44px;
  padding: 10px;
  cursor: pointer;
}
.nav-toggle span {
  display: block;
  height: 2px;
  background: var(--cfi-blue);
  margin: 5px 0;
  border-radius: 2px;
  transition: transform .2s ease;
}

/* ========== HERO ========== */
.hero {
  background:
    radial-gradient(1200px 600px at 20% -10%, rgba(0,79,110,.08), transparent 60%),
    linear-gradient(180deg, var(--cfi-off-white) 0%, #fff 100%);
  padding: clamp(60px, 9vw, 120px) 0 clamp(50px, 7vw, 90px);
  border-bottom: 1px solid var(--cfi-line);
}
.hero-inner { max-width: 820px; }
.hero h1 { margin-top: .2em; }
.hero .lede {
  font-size: clamp(1.1rem, .5vw + 1rem, 1.35rem);
  color: var(--cfi-text-dark);
  max-width: 70ch;
}
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 28px; }

/* ========== SECTION HEADINGS ========== */
.section-head { text-align: center; max-width: 780px; margin: 0 auto clamp(30px, 4vw, 56px); }
.section-head .section-sub { color: var(--cfi-text); font-size: 1.1rem; }

/* ========== CALCULATOR ========== */
.calculator-section {
  padding: clamp(60px, 8vw, 100px) 0;
  background:
    linear-gradient(180deg, #fff 0%, var(--cfi-cream) 100%);
}

.calc-grid {
  display: grid;
  grid-template-columns: minmax(280px, 340px) 1fr;
  gap: 28px;
  align-items: start;
}

.calc-inputs {
  background: #fff;
  border: 1px solid var(--cfi-line);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
  position: sticky;
  top: 100px;
}

.input-group { margin-bottom: 22px; }
.input-group:last-child { margin-bottom: 0; }
.input-group label,
.input-group legend {
  display: block;
  font-size: .88rem;
  font-weight: 600;
  letter-spacing: .04em;
  color: var(--cfi-text-dark);
  margin-bottom: 8px;
  text-transform: uppercase;
}
.input-group legend { padding: 0; }

.input-wrap {
  position: relative;
  display: flex;
  align-items: center;
  border: 1.5px solid var(--cfi-line);
  border-radius: var(--radius);
  background: #fff;
  transition: border-color .15s ease;
}
.input-wrap:focus-within { border-color: var(--cfi-blue); }
.input-wrap .prefix,
.input-wrap .suffix {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.25rem;
  color: var(--cfi-blue);
  padding: 0 4px 0 14px;
}
.input-wrap .suffix { padding: 0 14px 0 4px; }
.input-wrap input {
  flex: 1;
  border: 0;
  background: transparent;
  padding: 12px 14px 12px 4px;
  font-family: var(--font-sans);
  font-size: 1.15rem;
  font-weight: 600;
  color: var(--cfi-text-dark);
  outline: none;
  width: 100%;
}
.input-wrap.percent input { text-align: right; padding-right: 4px; }

input[type="range"] {
  width: 100%;
  margin-top: 12px;
  accent-color: var(--cfi-blue);
}

select {
  width: 100%;
  padding: 11px 36px 11px 12px;
  font: inherit;
  color: var(--cfi-text-dark);
  background: #fff url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8' fill='%23004F6E'><path d='M6 8L0 0h12z'/></svg>") no-repeat right 14px center / 10px;
  border: 1.5px solid var(--cfi-line);
  border-radius: var(--radius);
  appearance: none;
}
select:focus { outline: none; border-color: var(--cfi-blue); }

.input-help {
  font-size: .8rem;
  color: var(--cfi-text);
  margin: 8px 0 0;
  line-height: 1.4;
}

.tax-mode { border: 0; padding: 0; margin-bottom: 18px; }
.radio-row { display: grid; gap: 8px; }
.radio-row label {
  display: flex; align-items: center; gap: 8px;
  font-size: .95rem;
  text-transform: none;
  letter-spacing: 0;
  cursor: pointer;
  padding: 10px 12px;
  border: 1.5px solid var(--cfi-line);
  border-radius: var(--radius);
  transition: border-color .15s, background .15s;
}
.radio-row label:has(input:checked) {
  border-color: var(--cfi-blue);
  background: var(--cfi-blue-soft);
}
.radio-row input { accent-color: var(--cfi-blue); }

.switch {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: .9rem;
  text-transform: none;
  letter-spacing: 0;
  cursor: pointer;
  line-height: 1.4;
}
.switch input { margin-top: 3px; accent-color: var(--cfi-blue); }
.switch small { color: var(--cfi-text); }

.rate-summary {
  margin-top: 18px;
  padding: 14px 16px;
  background: var(--cfi-blue-soft);
  border-radius: var(--radius);
  font-size: .88rem;
  color: var(--cfi-text-dark);
  line-height: 1.5;
  border-left: 3px solid var(--cfi-blue);
}
.rate-summary strong { color: var(--cfi-blue); }
.rate-summary:empty { display: none; }

/* ========== CALCULATOR OUTPUT ========== */
.calc-output { min-width: 0; /* allow overflow */ }

.kpi-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--cfi-line);
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--cfi-line);
  margin-bottom: 28px;
}
.kpi {
  background: var(--cfi-blue);
  color: #fff;
  padding: 18px 16px;
  text-align: center;
}
.kpi-label {
  font-size: .72rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  opacity: .85;
  margin-bottom: 6px;
  line-height: 1.25;
}
.kpi-value {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: clamp(1.1rem, 1.2vw + .9rem, 1.7rem);
  line-height: 1.1;
}
.kpi-note { font-size: .7rem; opacity: .78; margin-top: 4px; }
.kpi.gold-kpi { background: var(--cfi-gold); }

.table-title {
  text-align: center;
  margin: 18px 0 16px;
  color: var(--cfi-blue);
  font-size: 1.35rem;
  font-weight: 600;
  font-family: var(--font-serif);
}

.table-wrap {
  overflow-x: auto;
  border-radius: var(--radius);
  border: 1px solid var(--cfi-line);
  box-shadow: var(--shadow);
  background: #fff;
}
table.comparison {
  width: 100%;
  min-width: 680px;
  border-collapse: collapse;
  font-size: .92rem;
}
table.comparison th,
table.comparison td {
  padding: 12px 12px;
  text-align: left;
  border-bottom: 1px solid var(--cfi-line);
  vertical-align: top;
}
table.comparison th:first-child, table.comparison td:first-child { min-width: 180px; }
table.comparison thead th {
  background: var(--cfi-blue);
  color: #fff;
  font-weight: 600;
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: .06em;
  border-bottom: 0;
  white-space: nowrap;
}
table.comparison th.num, table.comparison td.num { text-align: right; font-variant-numeric: tabular-nums; }
table.comparison tr.cfi-row {
  background: #EAF4ED;
}
table.comparison tr.cfi-row td { color: var(--cfi-text-dark); font-weight: 600; }
table.comparison tr.cfi-row td:first-child { border-left: 4px solid var(--cfi-good); }
table.comparison .taxes-paid { color: var(--cfi-bad); font-weight: 600; }
table.comparison .name-cell { color: var(--cfi-blue); font-weight: 700; }
table.comparison .name-cell small { display: block; color: var(--cfi-text); font-weight: 400; font-size: .78rem; margin-top: 2px; text-transform: none; letter-spacing: 0; }

.callouts {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin: 24px 0;
}
.callout {
  padding: 22px 22px;
  border-radius: var(--radius);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.callout.advantage { background: var(--cfi-blue); color: #fff; }
.callout.gross-equiv { background: var(--cfi-gold-soft); color: var(--cfi-text-dark); border: 1px solid var(--cfi-gold); }
.callout-label {
  font-size: .85rem;
  line-height: 1.35;
  margin-bottom: 6px;
  opacity: .95;
}
.callout.advantage .callout-label { opacity: .88; }
.callout-label small { opacity: .8; font-size: .75rem; }
.callout-value {
  font-family: var(--font-serif);
  font-weight: 700;
  font-size: clamp(1.4rem, 2vw + 1rem, 2.2rem);
  line-height: 1.05;
  letter-spacing: -.01em;
}
.callout.gross-equiv .callout-value { color: var(--cfi-blue); }

.closing-line {
  text-align: center;
  font-family: var(--font-serif);
  font-size: 1.15rem;
  font-weight: 500;
  font-style: italic;
  color: var(--cfi-blue);
  padding: 16px 0;
  line-height: 1.5;
}
.rates-disclosure {
  font-size: .78rem;
  color: var(--cfi-text);
  line-height: 1.55;
  margin-top: 12px;
}
.rates-disclosure strong { color: var(--cfi-text-dark); }

/* ========== APPROACH / PILLARS ========== */
.approach {
  padding: clamp(60px, 8vw, 100px) 0;
  background: #fff;
}
.pillars {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.pillar {
  padding: 30px 26px;
  background: var(--cfi-off-white);
  border: 1px solid var(--cfi-line);
  border-top: 3px solid var(--cfi-gold);
  border-radius: var(--radius);
  transition: transform .15s ease, box-shadow .15s ease;
}
.pillar:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.pillar h3 { margin-bottom: 10px; color: var(--cfi-blue); }
.pillar p { margin: 0; font-size: .98rem; line-height: 1.6; color: var(--cfi-text-dark); }

/* ========== ABOUT ========== */
.about {
  padding: clamp(60px, 8vw, 100px) 0;
  background: var(--cfi-blue);
  color: #fff;
}
.about h2 { color: #fff; }
.about .eyebrow.gold { color: var(--cfi-gold-soft); }
.about-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 56px;
  align-items: start;
}
.about-text p { color: rgba(255,255,255,.88); font-size: 1.04rem; }
.about-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.stat {
  background: rgba(255,255,255,.07);
  padding: 22px 20px;
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,.12);
}
.stat-num {
  font-family: var(--font-serif);
  font-weight: 600;
  font-size: 1.8rem;
  color: var(--cfi-gold-soft);
  line-height: 1.1;
}
.stat-label { font-size: .82rem; color: rgba(255,255,255,.78); margin-top: 6px; line-height: 1.35; }

/* ========== WHY MUNIS ========== */
.why-munis {
  padding: clamp(60px, 8vw, 100px) 0;
  background: var(--cfi-cream);
}
.muni-points {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.point {
  padding: 26px 22px;
  background: #fff;
  border-radius: var(--radius);
  border-left: 3px solid var(--cfi-blue);
  box-shadow: var(--shadow);
}
.point h3 { font-size: 1.12rem; margin-bottom: 8px; }
.point p { margin: 0; font-size: .92rem; color: var(--cfi-text-dark); line-height: 1.55; }

/* ========== CONTACT ========== */
.contact {
  padding: clamp(60px, 8vw, 100px) 0;
  background: #fff;
  border-top: 1px solid var(--cfi-line);
}
.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.contact-card {
  font-style: normal;
  background: var(--cfi-off-white);
  border: 1px solid var(--cfi-line);
  border-radius: var(--radius);
  padding: 28px;
}
.contact-row {
  display: grid;
  grid-template-columns: 110px 1fr;
  gap: 18px;
  padding: 14px 0;
  border-bottom: 1px solid var(--cfi-line);
  align-items: start;
}
.contact-row:last-child { border-bottom: 0; padding-bottom: 0; }
.contact-label {
  font-size: .75rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--cfi-text);
  font-weight: 600;
  padding-top: 2px;
}

/* ========== FOOTER ========== */
.site-footer { background: var(--cfi-blue-deep); color: rgba(255,255,255,.82); }
.footer-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 48px;
  padding: 54px 24px 32px;
}
.footer-logo { height: 46px; background: #fff; padding: 8px 12px; border-radius: 4px; margin-bottom: 18px; }
.footer-brand p { font-size: .88rem; line-height: 1.6; margin: 0; max-width: 52ch; }

.footer-links { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.footer-links h4 { color: var(--cfi-gold-soft); text-transform: uppercase; letter-spacing: .12em; font-size: .78rem; margin-bottom: 14px; font-family: var(--font-sans); }
.footer-links ul { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: rgba(255,255,255,.82); font-size: .92rem; }
.footer-links a:hover { color: #fff; }

.legal {
  background: #002A3E;
  font-size: .78rem;
  color: rgba(255,255,255,.62);
  padding: 18px 0;
}
.legal p { margin: 0; line-height: 1.55; }

/* ========== RESPONSIVE ========== */
@media (max-width: 960px) {
  .calc-grid { grid-template-columns: 1fr; }
  .calc-inputs { position: static; }
  .kpi-strip { grid-template-columns: 1fr 1fr; }
  .pillars, .muni-points { grid-template-columns: 1fr 1fr; }
  .about-inner, .contact-inner, .footer-inner { grid-template-columns: 1fr; gap: 36px; }
}

@media (max-width: 720px) {
  body { font-size: 16px; }
  .header-inner { min-height: 68px; }
  .logo { height: 40px; }
  .primary-nav {
    position: absolute;
    top: 68px; left: 0; right: 0;
    background: #fff;
    border-bottom: 1px solid var(--cfi-line);
    max-height: 0;
    overflow: hidden;
    transition: max-height .25s ease;
  }
  .primary-nav.open { max-height: 500px; }
  .primary-nav ul {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 8px 24px 16px;
  }
  .primary-nav a {
    padding: 14px 0;
    border-bottom: 1px solid var(--cfi-line);
    border-radius: 0;
  }
  .primary-nav a.nav-cta { margin-top: 8px; text-align: center; }
  .nav-toggle { display: block; }

  .hero-cta .btn { flex: 1 1 auto; text-align: center; }

  .kpi-strip { grid-template-columns: 1fr; }
  .kpi { padding: 14px; }
  .pillars, .muni-points { grid-template-columns: 1fr; }
  .callouts { grid-template-columns: 1fr; }
  .footer-links { grid-template-columns: 1fr; }
  .contact-row { grid-template-columns: 1fr; gap: 4px; }
  .contact-label { padding-top: 0; }
  .about-stats { grid-template-columns: 1fr; }
  table.comparison { font-size: .85rem; min-width: 540px; }
}

/* Hide helper for toggling modes */
[hidden] { display: none !important; }

/* Print-friendly */
@media print {
  .site-header, .hero-cta, .nav-toggle, .site-footer .legal { display: none; }
  .calc-inputs { box-shadow: none; border: 1px solid #ccc; }
}