/* Vetmoneyhq — shared styles. Navy #0B2447 / Gold #C9A227. Mobile-first. */
:root {
  --navy: #0B2447;
  --navy-deep: #071a36;
  --navy-soft: #14325e;
  --gold: #C9A227;
  --gold-soft: #f5ecd2;
  --ink: #1c2430;
  --muted: #5b6572;
  --bg: #f7f8fa;
  --card: #ffffff;
  --line: #e3e7ee;
  --radius: 12px;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
}
a { color: var(--navy); }
.wrap { max-width: 960px; margin: 0 auto; padding: 0 20px; }

/* Header */
.site-header { background: var(--navy); color: #fff; position: sticky; top: 0; z-index: 50; }
.site-header .wrap { display: flex; flex-direction: column; align-items: flex-start; gap: 2px; padding-top: 12px; padding-bottom: 12px; }
.brand { color: #fff; text-decoration: none; font-weight: 800; font-size: 1.25rem; letter-spacing: .5px; }
.brand .hq { color: var(--gold); }
.nav { display: flex; gap: 4px; flex-wrap: wrap; }
.nav a { color: #dbe4f0; text-decoration: none; padding: 8px 10px; border-radius: 8px; font-size: .95rem; }
.nav a:hover { background: var(--navy-soft); color: #fff; }
.nav a.active { background: var(--navy-soft); color: var(--gold); font-weight: 700; }

/* Hero */
.hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%); color: #fff; padding: 56px 0 48px; }
.hero h1 { margin: 0 0 12px; font-size: 2rem; line-height: 1.2; }
.hero h1 .gold { color: var(--gold); }
.hero p.lede { color: #cdd8e8; font-size: 1.1rem; max-width: 34rem; margin: 0 0 24px; }
.btn { display: inline-block; background: var(--gold); color: var(--navy); font-weight: 700; text-decoration: none; padding: 12px 22px; border-radius: 10px; border: none; cursor: pointer; font-size: 1rem; }
.btn:hover { filter: brightness(1.06); }
.btn-outline { display: inline-block; background: transparent; color: #fff; border: 2px solid var(--gold); font-weight: 700; text-decoration: none; padding: 10px 20px; border-radius: 10px; }
.btn-row { display: flex; gap: 12px; flex-wrap: wrap; }

/* Cards */
.cards { display: grid; gap: 16px; grid-template-columns: 1fr; margin: 32px 0; }
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.card h2, .card h3 { margin-top: 0; color: var(--navy); }
.card p { color: var(--muted); }
.card a.card-link { text-decoration: none; color: inherit; display: block; }
.card .go { color: var(--navy); font-weight: 700; }
.card .go::after { content: " →"; color: var(--gold); }

.section { padding: 36px 0; }
.section h2 { color: var(--navy); }
.kicker { text-transform: uppercase; letter-spacing: 2px; font-size: .8rem; color: var(--gold); font-weight: 800; margin-bottom: 6px; }

/* CTA band */
.cta-band { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 32px 24px; margin: 36px 0; text-align: center; }
.cta-band h2 { color: #fff; margin: 0 0 8px; }
.cta-band p { color: #cdd8e8; margin: 0 0 18px; }

/* Social row */
.social-row { display: flex; gap: 10px; flex-wrap: wrap; justify-content: center; margin-top: 8px; }
.social-row a { background: var(--navy-soft); color: #fff; text-decoration: none; padding: 10px 16px; border-radius: 999px; font-size: .95rem; font-weight: 600; }
.social-row a:hover { background: var(--gold); color: var(--navy); }

/* Photo placeholder slot */
.photo-slot { border: 2px dashed var(--line); border-radius: var(--radius); background: #eef1f6; color: var(--muted); text-align: center; padding: 40px 20px; font-size: .9rem; margin: 24px 0; }
.photo { margin: 24px 0; }
.photo img { width: 100%; height: auto; border-radius: var(--radius); display: block; }

/* Forms */
.form-grid { display: grid; gap: 16px; }
.field label { display: block; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.field .hint { font-size: .85rem; color: var(--muted); margin-top: 4px; }
.field select, .field input[type="number"] { width: 100%; max-width: 320px; padding: 10px 12px; border: 1px solid var(--line); border-radius: 8px; font-size: 1rem; }
.check-row { display: flex; gap: 10px; align-items: flex-start; padding: 10px 0; }
.check-row input[type="checkbox"] { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--navy); flex-shrink: 0; }
.radio-row { display: flex; gap: 16px; }
.radio-row label { display: flex; gap: 6px; align-items: center; font-weight: 600; }

/* Result panel */
.result { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 24px; margin-top: 24px; }
.result h2 { color: var(--gold); margin: 0 0 4px; font-size: 1rem; text-transform: uppercase; letter-spacing: 1.5px; }
.result .total { font-size: 2.6rem; font-weight: 800; color: #fff; margin: 4px 0 12px; }
.result .total small { font-size: 1rem; font-weight: 400; color: #cdd8e8; }
.result ul.breakdown { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--navy-soft); }
.result ul.breakdown li { display: flex; justify-content: space-between; gap: 12px; padding: 8px 0; border-bottom: 1px solid var(--navy-soft); font-size: .95rem; }
.result ul.breakdown li span:last-child { font-weight: 700; white-space: nowrap; }
.result .note { color: var(--gold-soft); font-size: .9rem; margin-top: 12px; }
.disclaimer-box { background: #fff8e6; border: 1px solid var(--gold); border-radius: var(--radius); padding: 16px 18px; margin: 24px 0; font-size: .92rem; }
.disclaimer-box strong { color: var(--navy); }

/* Checklist */
.check-item { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 18px; margin-bottom: 12px; }
.check-item.done { border-color: var(--gold); background: #fffdf5; }
.check-item h3 { margin: 0 0 4px; font-size: 1.05rem; color: var(--navy); }
.check-item p { margin: 0 0 6px; color: var(--muted); font-size: .95rem; }
.check-item a { font-size: .9rem; }
.check-item label.row { display: flex; gap: 12px; align-items: flex-start; cursor: pointer; }
.check-item input[type="checkbox"] { width: 22px; height: 22px; margin-top: 2px; accent-color: var(--navy); flex-shrink: 0; }
.progress-wrap { position: sticky; top: 60px; background: var(--bg); padding: 12px 0; z-index: 40; }
.progress-label { font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.progress-bar { height: 12px; background: var(--line); border-radius: 999px; overflow: hidden; }
.progress-fill { height: 100%; width: 0; background: linear-gradient(90deg, var(--gold), #e3c25a); border-radius: 999px; transition: width .25s ease; }

/* Embed placeholder */
.embed-placeholder { border: 2px dashed var(--gold); border-radius: var(--radius); background: #fffdf5; padding: 48px 24px; text-align: center; color: var(--muted); margin: 24px 0; }
.embed-placeholder strong { display: block; color: var(--navy); font-size: 1.1rem; margin-bottom: 8px; }

/* Footer */
.site-footer { background: var(--navy-deep); color: #aeb9cc; padding: 36px 0; margin-top: 48px; font-size: .88rem; }
.site-footer a { color: var(--gold); }
.site-footer .fine { max-width: 60rem; }
.site-footer .fine p { margin: 0 0 10px; }
.site-footer .brandline { color: #fff; font-weight: 700; margin-bottom: 12px; }

@media (min-width: 700px) {
  .site-header .wrap { flex-direction: row; align-items: center; justify-content: space-between; }
  .hero h1 { font-size: 2.6rem; }
  .cards { grid-template-columns: repeat(3, 1fr); }
  .form-grid.two { grid-template-columns: 1fr 1fr; }
}