/* NonProfitSaver design system. One stylesheet, no framework. */
:root {
  --ink: #0f2a3a;
  --ink-2: #3c5262;
  --ink-3: #6a7d8a;
  --line: #e2e8e5;
  --line-2: #cfd9d4;
  --bg: #fbfaf7;
  --surface: #ffffff;
  --tint: #f1f7f4;
  --brand: #0b6b4f;
  --brand-600: #095a43;
  --brand-50: #e7f3ee;
  --accent: #f2b84b;
  --accent-50: #fdf4e1;
  --warn: #9a5b00;
  --warn-50: #fff4e0;
  --info: #1d5fa8;
  --info-50: #e9f1fb;
  --danger: #b42318;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 1px 2px rgba(15, 42, 58, 0.06), 0 8px 24px rgba(15, 42, 58, 0.06);
  --shadow-lg: 0 2px 4px rgba(15, 42, 58, 0.06), 0 20px 48px rgba(15, 42, 58, 0.12);
  --font: ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --serif: "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, serif;
  --max: 1160px;
}
*,
*::before,
*::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; height: auto; }
a { color: var(--brand); text-underline-offset: 2px; }
a:hover { color: var(--brand-600); }
h1, h2, h3, h4 { line-height: 1.15; letter-spacing: -0.02em; margin: 0 0 0.5em; color: var(--ink); }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 750; }
h3 { font-size: 1.25rem; font-weight: 700; }
p { margin: 0 0 1em; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; border-radius: 4px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); border: 0; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: #fff; padding: 8px 12px; border-radius: 6px; z-index: 100; }
.skip:focus { left: 8px; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 760px; }
.section { padding: 72px 0; }
.section-sm { padding: 40px 0; }
.section.alt { background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.eyebrow { text-transform: uppercase; letter-spacing: 0.08em; font-size: 0.78rem; font-weight: 700; color: var(--brand); margin-bottom: 10px; }
.lead { font-size: 1.2rem; color: var(--ink-2); }
.muted { color: var(--ink-3); }
.small { font-size: 0.875rem; }
.center { text-align: center; }
.stack > * + * { margin-top: 16px; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(251, 250, 247, 0.92); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid var(--line); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 68px; gap: 16px; }
.logo { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.15rem; color: var(--ink); text-decoration: none; letter-spacing: -0.02em; }
.logo:hover { color: var(--ink); }
.logo-mark { width: 30px; height: 30px; }
.logo span em { font-style: normal; color: var(--brand); }
.nav-links { display: flex; align-items: center; gap: 26px; }
.nav-links a { color: var(--ink-2); text-decoration: none; font-weight: 550; font-size: 0.95rem; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--ink); }
.nav-menu { display: none; }
.nav-menu summary { list-style: none; cursor: pointer; padding: 8px; border-radius: 8px; }
.nav-menu summary::-webkit-details-marker { display: none; }
.nav-menu[open] .menu-panel { display: flex; }
.menu-panel { display: none; position: absolute; right: 12px; top: 64px; flex-direction: column; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-lg); padding: 10px; min-width: 230px; }
.menu-panel a { padding: 10px 12px; border-radius: 8px; color: var(--ink); text-decoration: none; font-weight: 550; }
.menu-panel a:hover { background: var(--tint); }
@media (max-width: 860px) {
  .nav-links { display: none; }
  .nav-menu { display: block; }
}

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 22px; border-radius: 10px; font-weight: 700; font-size: 1rem; text-decoration: none; border: 1px solid transparent; cursor: pointer; transition: background 0.15s, transform 0.05s, box-shadow 0.15s; font-family: inherit; line-height: 1.2; }
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--brand); color: #fff; box-shadow: 0 1px 0 rgba(0, 0, 0, 0.05), 0 6px 16px rgba(11, 107, 79, 0.25); }
.btn-primary:hover { background: var(--brand-600); color: #fff; }
.btn-secondary { background: var(--surface); color: var(--ink); border-color: var(--line-2); }
.btn-secondary:hover { border-color: var(--ink-3); color: var(--ink); }
.btn-ghost { background: transparent; color: var(--brand); padding-left: 0; padding-right: 0; }
.btn-lg { padding: 16px 28px; font-size: 1.08rem; }
.btn-sm { padding: 8px 14px; font-size: 0.9rem; }
.btn-block { width: 100%; }
.btn[disabled], .btn[aria-disabled="true"] { opacity: 0.55; cursor: not-allowed; }
.nav .btn { padding: 10px 16px; font-size: 0.92rem; }
.nav-links a.btn-primary, .menu-panel a.btn-primary { color: #fff; }
.menu-panel a.btn-primary:hover { background: var(--brand-600); }

/* Hero */
.hero { padding: 72px 0 64px; background: radial-gradient(1200px 400px at 85% -10%, var(--brand-50), transparent 60%), radial-gradient(800px 300px at -10% 10%, var(--accent-50), transparent 60%); }
.hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 56px; align-items: center; }
.hero h1 { margin-bottom: 18px; }
.hero .lead { max-width: 560px; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; margin: 28px 0 14px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 18px; color: var(--ink-2); font-size: 0.92rem; }
.trust-row span { display: inline-flex; align-items: center; gap: 6px; }
.check { width: 18px; height: 18px; color: var(--brand); flex: none; }
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; gap: 36px; } .hero { padding-top: 48px; } }

/* Cards */
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); }
.card-flat { box-shadow: none; }
.card h3 { margin-bottom: 8px; }
.grid { display: grid; gap: 20px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

/* Savings preview widget (hero) */
.preview { background: var(--surface); border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow-lg); padding: 22px; }
.preview-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 14px; }
.preview-row { display: grid; grid-template-columns: 1fr auto auto; gap: 12px; align-items: center; padding: 12px 0; border-top: 1px solid var(--line); font-size: 0.95rem; }
.preview-row .was { color: var(--ink-3); text-decoration: line-through; }
.preview-row .now { font-weight: 700; color: var(--brand); }
.preview-total { margin-top: 10px; background: var(--brand-50); border-radius: 10px; padding: 14px 16px; display: flex; justify-content: space-between; align-items: center; }
.preview-total strong { font-size: 1.6rem; color: var(--brand); letter-spacing: -0.02em; }
.vendor { display: flex; align-items: center; gap: 10px; font-weight: 650; }
.vendor-dot { width: 30px; height: 30px; border-radius: 8px; display: grid; place-items: center; font-size: 0.8rem; font-weight: 800; color: #fff; flex: none; }

/* Stats & steps */
.stat { font-size: 2.2rem; font-weight: 800; letter-spacing: -0.03em; color: var(--brand); line-height: 1.1; }
.steps { counter-reset: step; display: grid; gap: 20px; grid-template-columns: repeat(3, 1fr); }
.step { position: relative; padding-top: 48px; }
.step::before { counter-increment: step; content: counter(step); position: absolute; top: 0; left: 0; width: 36px; height: 36px; border-radius: 50%; background: var(--ink); color: #fff; display: grid; place-items: center; font-weight: 800; }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; } }

/* Badges */
.badge { display: inline-flex; align-items: center; gap: 6px; font-size: 0.75rem; font-weight: 700; padding: 3px 9px; border-radius: 999px; letter-spacing: 0.01em; white-space: nowrap; }
.badge-verified { background: var(--brand-50); color: var(--brand-600); }
.badge-conditional { background: var(--warn-50); color: var(--warn); }
.badge-investigate { background: var(--info-50); color: var(--info); }
.badge-neutral { background: #eef1f3; color: var(--ink-2); }
.badge-stale { background: #fdecea; color: var(--danger); }

/* Tables */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--surface); }
table { width: 100%; border-collapse: collapse; font-size: 0.95rem; }
th, td { padding: 12px 14px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
th { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.05em; color: var(--ink-3); background: #fafcfb; font-weight: 700; }
tr:last-child td { border-bottom: 0; }
td.num, th.num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }

/* Forms */
.field { display: flex; flex-direction: column; gap: 6px; margin-bottom: 16px; }
.field label, .label { font-weight: 650; font-size: 0.95rem; }
.hint { font-size: 0.85rem; color: var(--ink-3); }
input[type="text"], input[type="email"], input[type="number"], input[type="search"], select, textarea {
  font: inherit; font-size: 1rem; padding: 12px 14px; border: 1px solid var(--line-2); border-radius: 10px; background: #fff; color: var(--ink); width: 100%;
}
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 3px rgba(11, 107, 79, 0.18); }
textarea { min-height: 120px; resize: vertical; }
.checkbox { display: flex; gap: 10px; align-items: flex-start; font-size: 0.93rem; color: var(--ink-2); }
.checkbox input { margin-top: 4px; width: 18px; height: 18px; accent-color: var(--brand); flex: none; }
.error { color: var(--danger); font-size: 0.9rem; font-weight: 600; }
.hp { position: absolute; left: -5000px; }
.form-card { max-width: 520px; margin: 0 auto; }
.chips { display: flex; flex-wrap: wrap; gap: 10px; }
.chip { position: relative; }
.chip input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.chip span { display: inline-block; padding: 10px 14px; border: 1px solid var(--line-2); border-radius: 999px; background: #fff; font-size: 0.93rem; font-weight: 550; cursor: pointer; }
.chip input:checked + span { background: var(--brand-50); border-color: var(--brand); color: var(--brand-600); }
.chip input:focus-visible + span { outline: 3px solid var(--accent); outline-offset: 2px; }

/* Wizard */
.wizard { max-width: 820px; margin: 0 auto; }
.progress { display: flex; gap: 6px; margin-bottom: 28px; }
.progress div { flex: 1; height: 6px; border-radius: 3px; background: var(--line); }
.progress div.done { background: var(--brand); }
.wizard-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 28px; }
.save-status { font-size: 0.85rem; color: var(--ink-3); min-height: 1.3em; }
.ac { position: relative; }
.ac-list { position: absolute; z-index: 20; left: 0; right: 0; top: calc(100% + 4px); background: #fff; border: 1px solid var(--line-2); border-radius: 10px; box-shadow: var(--shadow-lg); max-height: 320px; overflow: auto; margin: 0; padding: 6px; list-style: none; }
.ac-list li { padding: 10px 12px; border-radius: 8px; cursor: pointer; display: flex; justify-content: space-between; gap: 10px; }
.ac-list li[aria-selected="true"], .ac-list li:hover { background: var(--tint); }
.sub-item { border: 1px solid var(--line); border-radius: var(--radius); padding: 16px; background: #fff; margin-bottom: 12px; }
.sub-item-head { display: flex; justify-content: space-between; align-items: center; gap: 10px; margin-bottom: 12px; }
.sub-grid { display: grid; grid-template-columns: 1.1fr 0.9fr 0.8fr 1fr; gap: 12px; }
.sub-grid .field { margin-bottom: 0; }
@media (max-width: 700px) { .sub-grid { grid-template-columns: 1fr 1fr; } }
.icon-btn { background: none; border: 0; color: var(--ink-3); cursor: pointer; padding: 6px; border-radius: 6px; font: inherit; }
.icon-btn:hover { color: var(--danger); background: #fdecea; }
.running-total { position: sticky; bottom: 12px; display: flex; justify-content: space-between; align-items: center; background: var(--ink); color: #fff; border-radius: 12px; padding: 14px 18px; margin-top: 18px; box-shadow: var(--shadow-lg); }
.running-total strong { font-size: 1.2rem; }

/* Report */
.report-hero { background: var(--ink); color: #fff; padding: 48px 0; }
.report-hero h1, .report-hero h2 { color: #fff; }
.report-hero .muted { color: #b8c7d0; }
.kpis { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; margin-top: 26px; }
.kpi { background: rgba(255, 255, 255, 0.07); border: 1px solid rgba(255, 255, 255, 0.12); border-radius: 12px; padding: 16px; }
.kpi .v { font-size: 1.7rem; font-weight: 800; letter-spacing: -0.02em; }
.kpi .k { font-size: 0.85rem; color: #b8c7d0; }
.kpi.hl { background: var(--brand); border-color: var(--brand); }
.kpi.hl .k { color: #d5efe4; }
@media (max-width: 760px) { .kpis { grid-template-columns: 1fr 1fr; } }
.bar { height: 10px; background: var(--line); border-radius: 5px; overflow: hidden; }
.bar > span { display: block; height: 100%; background: var(--brand); border-radius: 5px; }
.opp { border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 20px; background: #fff; margin-bottom: 14px; }
.opp-head { display: flex; justify-content: space-between; gap: 12px; align-items: flex-start; flex-wrap: wrap; }
.opp-figs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin: 14px 0 10px; }
.opp-figs div { background: #fafcfb; border-radius: 8px; padding: 10px 12px; }
.opp-figs .k { font-size: 0.78rem; color: var(--ink-3); text-transform: uppercase; letter-spacing: 0.05em; }
.opp-figs .v { font-weight: 750; font-variant-numeric: tabular-nums; }
.opp ul { margin: 6px 0 0; padding-left: 18px; color: var(--ink-2); font-size: 0.93rem; }
@media (max-width: 560px) { .opp-figs { grid-template-columns: 1fr; } }
.callout { border-radius: var(--radius); padding: 18px 20px; border: 1px solid var(--line); background: var(--tint); }
.callout-warn { background: var(--warn-50); border-color: #f3dcb0; }
.callout-info { background: var(--info-50); border-color: #c9dcf3; }
.offer-box { border: 2px solid var(--brand); border-radius: 16px; padding: 28px; background: #fff; box-shadow: var(--shadow-lg); }
.price { font-size: 2.6rem; font-weight: 800; letter-spacing: -0.03em; }
.toolbar { display: flex; gap: 10px; flex-wrap: wrap; }

/* Directory */
.dir-filters { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 20px; }
.dir-card { display: flex; flex-direction: column; gap: 8px; text-decoration: none; color: var(--ink); transition: border-color 0.15s, transform 0.15s; }
.dir-card:hover { border-color: var(--brand); color: var(--ink); transform: translateY(-2px); }
.dir-card .headline { font-weight: 700; color: var(--brand); }

/* Prose (articles, legal) */
.prose { font-size: 1.06rem; }
.prose h2 { margin-top: 1.8em; font-size: 1.6rem; }
.prose h3 { margin-top: 1.5em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin-bottom: 0.4em; }
.prose table { margin: 1.2em 0; border: 1px solid var(--line); border-radius: 8px; display: block; max-width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; }
.prose th, .prose td { min-width: 110px; }
.prose blockquote { margin: 1.4em 0; padding: 12px 18px; border-left: 4px solid var(--brand); background: var(--tint); border-radius: 0 8px 8px 0; }
.article-grid { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 48px; align-items: start; }
.article-aside { position: sticky; top: 92px; }
@media (max-width: 960px) { .article-grid { grid-template-columns: minmax(0, 1fr); } .article-aside { position: static; } }
.breadcrumbs { font-size: 0.88rem; color: var(--ink-3); margin-bottom: 14px; }
.breadcrumbs a { color: var(--ink-3); }
.facts { display: grid; grid-template-columns: 160px 1fr; gap: 0; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: #fff; }
.facts dt, .facts dd { margin: 0; padding: 12px 14px; border-bottom: 1px solid var(--line); }
.facts dt { font-weight: 650; background: #fafcfb; font-size: 0.92rem; }
@media (max-width: 560px) { .facts { grid-template-columns: 1fr; } .facts dt { border-bottom: 0; padding-bottom: 2px; } }

/* Calculator widget */
.calc { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 22px; box-shadow: var(--shadow); }
.calc .out { margin-top: 12px; background: var(--brand-50); border-radius: 10px; padding: 14px; }
.calc .out strong { font-size: 1.8rem; color: var(--brand); letter-spacing: -0.02em; }

/* FAQ */
details.faq { border-bottom: 1px solid var(--line); padding: 16px 0; }
details.faq summary { cursor: pointer; font-weight: 700; list-style: none; display: flex; justify-content: space-between; gap: 12px; }
details.faq summary::after { content: "+"; font-size: 1.3rem; color: var(--brand); }
details.faq[open] summary::after { content: "–"; }
details.faq p { margin: 10px 0 0; color: var(--ink-2); }

/* CTA band + footer */
.cta-band { background: linear-gradient(135deg, var(--brand), #0d5640); color: #fff; border-radius: 20px; padding: 44px; display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; }
.cta-band h2 { color: #fff; margin: 0 0 6px; }
.cta-band p { margin: 0; color: #d5efe4; }
.cta-band .btn-primary { background: #fff; color: var(--brand-600); box-shadow: none; }
.site-footer { margin-top: 80px; padding: 48px 0 32px; border-top: 1px solid var(--line); background: var(--surface); font-size: 0.93rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 28px; }
.footer-grid h4 { font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--ink-3); margin-bottom: 12px; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; }
.footer-grid li { margin-bottom: 8px; }
.footer-grid a { color: var(--ink-2); text-decoration: none; }
.footer-grid a:hover { color: var(--brand); }
.footer-legal { margin-top: 32px; padding-top: 20px; border-top: 1px solid var(--line); color: var(--ink-3); font-size: 0.85rem; }
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr 1fr; } }

.notice { padding: 12px 16px; border-radius: 10px; font-size: 0.93rem; }
.notice-ok { background: var(--brand-50); color: var(--brand-600); }
.notice-warn { background: var(--warn-50); color: var(--warn); }
.hidden { display: none !important; }

@media print {
  .site-header, .site-footer, .no-print, .cta-band { display: none !important; }
  body { background: #fff; font-size: 12pt; }
  .report-hero { background: #fff; color: var(--ink); padding: 0 0 16px; border-bottom: 2px solid var(--ink); }
  .report-hero h1, .report-hero h2 { color: var(--ink); }
  .kpi { border-color: var(--line); background: #fff; color: var(--ink); }
  .kpi .k, .report-hero .muted { color: var(--ink-3); }
  .kpi.hl { background: #fff; border: 2px solid var(--brand); }
  .kpi.hl .k { color: var(--ink-3); }
  .opp, .card { break-inside: avoid; box-shadow: none; }
  .section { padding: 18px 0; }
  a { color: var(--ink); }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }