/* ============================================================
   Nimbralion — independent TIAA review
   Lightweight design system. No framework. Mobile-first.
   ============================================================ */

:root {
  /* Palette — warm editorial, evergreen accent (stability without corporate-blue cliche) */
  --paper:      #faf7f1;
  --paper-2:    #f3eee3;
  --ink:        #20201c;
  --ink-soft:   #4a4a42;
  --ink-faint:  #6f6f64;
  --line:       #e3dcce;
  --evergreen:  #1f4d3d;
  --evergreen-2:#2d6a4f;
  --clay:       #b4541f;
  --gold:       #b08328;
  --good:       #2d6a4f;
  --bad:        #a23b22;
  --card:       #ffffff;

  --maxw: 1120px;
  --radius: 14px;
  --radius-sm: 9px;

  --shadow: 0 1px 2px rgba(32,32,28,.05), 0 8px 24px rgba(32,32,28,.06);
  --shadow-lg: 0 2px 6px rgba(32,32,28,.06), 0 18px 50px rgba(32,32,28,.10);

  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Public Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  background: var(--paper);
  color: var(--ink);
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--evergreen); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--clay); }

h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.1; font-weight: 600; color: var(--ink); margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 6vw, 3.4rem); font-weight: 600; }
h2 { font-size: clamp(1.5rem, 4vw, 2.2rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1rem; }

.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 20px; }
.section { padding: clamp(48px, 8vw, 88px) 0; }
.eyebrow { font-family: var(--font-body); font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--clay); margin: 0 0 .9rem; }
.lead { font-size: 1.18rem; color: var(--ink-soft); }
.center { text-align: center; }
.muted { color: var(--ink-faint); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: .5rem;
  font-family: var(--font-body); font-weight: 700; font-size: 1rem;
  padding: .85rem 1.5rem; border-radius: 999px; border: 1.5px solid transparent;
  cursor: pointer; text-decoration: none; transition: transform .15s ease, background .2s ease, color .2s ease;
}
.btn:active { transform: scale(.97); }
.btn-primary { background: var(--evergreen); color: #fff; }
.btn-primary:hover { background: var(--evergreen-2); color: #fff; }
.btn-ghost { background: transparent; color: var(--evergreen); border-color: var(--evergreen); }
.btn-ghost:hover { background: var(--evergreen); color: #fff; }

/* ---------- Top disclaimer strip ---------- */
.topbar {
  background: var(--evergreen); color: #eaf1ec; font-size: .8rem; text-align: center;
  padding: .5rem 16px; letter-spacing: .01em;
}
.topbar strong { color: #fff; }

/* ---------- Nav ---------- */
.nav {
  position: sticky; top: 0; z-index: 50; background: rgba(250,247,241,.88);
  backdrop-filter: saturate(140%) blur(10px); border-bottom: 1px solid var(--line);
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 64px; }
.brand { display: flex; align-items: center; gap: .55rem; font-family: var(--font-display); font-weight: 600; font-size: 1.25rem; color: var(--ink); text-decoration: none; }
.brand:hover { color: var(--ink); }
.brand-mark { width: 30px; height: 30px; flex: none; }
.nav-links { display: flex; gap: 1.4rem; align-items: center; list-style: none; margin: 0; padding: 0; }
.nav-links a { color: var(--ink-soft); text-decoration: none; font-size: .95rem; font-weight: 600; }
.nav-links a:hover { color: var(--evergreen); }
.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--ink); margin: 4px 0; transition: .2s; }

@media (max-width: 860px) {
  .nav-toggle { display: block; }
  .nav-links {
    position: absolute; top: 64px; left: 0; right: 0; flex-direction: column; align-items: flex-start;
    gap: 0; background: var(--paper); border-bottom: 1px solid var(--line); padding: 8px 20px 16px;
    max-height: 0; overflow: hidden; transition: max-height .25s ease;
  }
  .nav-links.open { max-height: 360px; }
  .nav-links li { width: 100%; }
  .nav-links a { display: block; padding: .7rem 0; width: 100%; border-bottom: 1px solid var(--line); }
}

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; }
.hero-bg { position: absolute; inset: 0; z-index: 0; opacity: .5; }
.hero .wrap { position: relative; z-index: 1; padding-top: clamp(40px, 7vw, 70px); padding-bottom: clamp(40px, 7vw, 70px); }
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: center; }
.hero h1 { margin-bottom: .35em; }
.verdict-card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 26px; box-shadow: var(--shadow-lg);
}
.verdict-card .score { display: flex; align-items: baseline; gap: .4rem; font-family: var(--font-display); }
.verdict-card .score b { font-size: 3rem; color: var(--evergreen); line-height: 1; }
.verdict-card .score span { color: var(--ink-faint); font-size: 1rem; }
.stars { color: var(--gold); letter-spacing: 2px; font-size: 1.1rem; }
.verdict-card ul { margin: 1rem 0 0; padding: 0; list-style: none; }
.verdict-card li { padding: .35rem 0; border-top: 1px solid var(--line); display: flex; justify-content: space-between; gap: 1rem; font-size: .95rem; }
.verdict-card li span:last-child { font-weight: 700; }

@media (max-width: 820px) { .hero-grid { grid-template-columns: 1fr; gap: 28px; } }

/* ---------- Pros / Cons ---------- */
.proscons { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.pc { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); }
.pc h3 { display: flex; align-items: center; gap: .5rem; }
.pc.good h3 { color: var(--good); }
.pc.bad h3 { color: var(--bad); }
.pc ul { margin: 0; padding: 0; list-style: none; }
.pc li { position: relative; padding: .5rem 0 .5rem 1.7rem; border-top: 1px solid var(--line); font-size: .96rem; }
.pc li:first-child { border-top: 0; }
.pc li::before { position: absolute; left: 0; top: .5rem; font-weight: 800; }
.pc.good li::before { content: "+"; color: var(--good); }
.pc.bad li::before { content: "−"; color: var(--bad); }
@media (max-width: 720px) { .proscons { grid-template-columns: 1fr; } }

/* ---------- Comparison table ---------- */
.table-scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--card); box-shadow: var(--shadow); }
table.compare { border-collapse: collapse; width: 100%; min-width: 640px; font-size: .94rem; }
table.compare th, table.compare td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
table.compare thead th { background: var(--paper-2); font-family: var(--font-display); font-size: 1rem; position: sticky; top: 0; }
table.compare tbody th { font-weight: 700; color: var(--ink); background: #fcfbf7; }
table.compare tr:last-child td, table.compare tr:last-child th { border-bottom: 0; }
.tag { display: inline-block; font-size: .72rem; font-weight: 700; padding: .15rem .5rem; border-radius: 999px; background: var(--paper-2); color: var(--ink-soft); }
.tag.win { background: #e3efe7; color: var(--evergreen); }

/* ---------- Cards / features ---------- */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; }
.card {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px; box-shadow: var(--shadow); transition: transform .15s ease, box-shadow .2s ease;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.card .ic { width: 42px; height: 42px; color: var(--evergreen); margin-bottom: 12px; }
.card h3 { margin-bottom: .4rem; }
.card p { margin: 0; color: var(--ink-soft); font-size: .95rem; }
.card a.more { display: inline-block; margin-top: .8rem; font-weight: 700; font-size: .9rem; text-decoration: none; }

/* ---------- Quote / experience ---------- */
.experience { background: var(--paper-2); }
.themes { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px,1fr)); gap: 18px; }
.theme { background: var(--card); border-left: 3px solid var(--gold); border-radius: var(--radius-sm); padding: 18px 20px; box-shadow: var(--shadow); }
.theme h4 { font-family: var(--font-body); font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; color: var(--clay); margin: 0 0 .4rem; }
.theme p { margin: 0; font-size: .96rem; color: var(--ink-soft); }

/* ---------- Stats ---------- */
.stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px,1fr)); gap: 18px; text-align: center; }
.stat b { display: block; font-family: var(--font-display); font-size: clamp(1.8rem, 5vw, 2.6rem); color: var(--evergreen); line-height: 1; }
.stat span { font-size: .9rem; color: var(--ink-faint); }

/* ---------- FAQ ---------- */
.faq { max-width: 800px; margin: 0 auto; }
.faq details { border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--card); margin-bottom: 12px; overflow: hidden; }
.faq summary { cursor: pointer; padding: 18px 20px; font-family: var(--font-display); font-weight: 600; font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--clay); font-size: 1.4rem; line-height: 1; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details > div { padding: 0 20px 18px; color: var(--ink-soft); }

/* ---------- CTA band ---------- */
.cta-band { background: var(--evergreen); color: #eef4f0; border-radius: var(--radius); padding: clamp(32px,6vw,56px); text-align: center; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #cfe0d6; max-width: 620px; margin: 0 auto 1.4rem; }
.cta-band .btn-primary { background: #fff; color: var(--evergreen); }
.cta-band .btn-primary:hover { background: var(--gold); color: #fff; }

/* ---------- Article body ---------- */
.article { max-width: 760px; margin: 0 auto; }
.article h2 { margin-top: 2rem; }
.article h3 { margin-top: 1.5rem; }
.article ul, .article ol { padding-left: 1.2rem; }
.article li { margin: .35rem 0; }
.callout { background: var(--paper-2); border-left: 3px solid var(--evergreen); border-radius: var(--radius-sm); padding: 16px 20px; margin: 1.5rem 0; font-size: .96rem; }
.callout.warn { border-left-color: var(--clay); }
.byline { color: var(--ink-faint); font-size: .9rem; margin-bottom: 1.5rem; }
.breadcrumbs { font-size: .82rem; color: var(--ink-faint); padding: 16px 0 0; }
.breadcrumbs a { text-decoration: none; }

/* ---------- Footer ---------- */
.footer { background: var(--ink); color: #d7d4ca; padding: 56px 0 28px; font-size: .92rem; }
.footer a { color: #cfd7cf; text-decoration: none; }
.footer a:hover { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 32px; }
.footer h4 { color: #fff; font-family: var(--font-body); font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; margin: 0 0 .9rem; }
.footer ul { list-style: none; margin: 0; padding: 0; }
.footer li { margin: .4rem 0; }
.footer .disc { border-top: 1px solid #34342d; margin-top: 32px; padding-top: 20px; color: #9a978c; font-size: .82rem; line-height: 1.5; }
@media (max-width: 720px) { .footer-grid { grid-template-columns: 1fr; gap: 24px; } }

/* ---------- Cookie banner ---------- */
.cookie {
  position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 100; max-width: 560px; margin: 0 auto;
  background: var(--ink); color: #e9e6dc; border-radius: var(--radius); padding: 18px 20px; box-shadow: var(--shadow-lg);
  display: none;
}
.cookie.show { display: block; }
.cookie p { margin: 0 0 12px; font-size: .9rem; }
.cookie a { color: #f0c869; }
.cookie .row { display: flex; gap: 10px; flex-wrap: wrap; }
.cookie button { font-size: .9rem; padding: .55rem 1.1rem; border-radius: 999px; border: 0; cursor: pointer; font-weight: 700; font-family: var(--font-body); }
.cookie .accept { background: var(--gold); color: #20201c; }
.cookie .decline { background: transparent; color: #e9e6dc; border: 1.5px solid #55554c; }

/* ---------- Reveal on load ---------- */
.reveal { opacity: 0; transform: translateY(14px); animation: rise .6s ease forwards; }
@keyframes rise { to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) { .reveal { animation: none; opacity: 1; transform: none; } html { scroll-behavior: auto; } }

.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 8px; background: #fff; padding: 8px 14px; border-radius: 8px; z-index: 200; }

/* ================= Elmscotton dark-hero theme (matches purchased design) ================= */
.brand-wrap { display:flex; align-items:center; gap:.6rem; text-decoration:none; }
.brand-logo { width:40px; height:40px; flex:none; }
.brand-text { display:flex; flex-direction:column; line-height:1; }
.brand-text b { font-family:var(--font-display); font-weight:600; font-size:1.2rem; color:var(--ink); }
.brand-text small { font-size:.6rem; letter-spacing:.18em; font-weight:700; color:var(--evergreen-2); text-transform:uppercase; margin-top:3px; }

.hero-dark { position:relative; overflow:hidden; border-radius:24px; max-width:1480px; margin:14px auto 0; }
@media (max-width:680px){ .hero-dark{ border-radius:18px; margin:8px; } }
.hero-dark .img { position:absolute; inset:0; z-index:0; }
.hero-dark .img svg, .hero-dark .img img { width:100%; height:100%; object-fit:cover; }
.hero-dark::after { content:""; position:absolute; inset:0; z-index:1;
  background:linear-gradient(90deg, rgba(8,22,17,.92) 0%, rgba(8,22,17,.72) 42%, rgba(8,22,17,.25) 100%); }
.hero-dark .wrap { position:relative; z-index:2; padding-top:clamp(48px,8vw,96px); padding-bottom:clamp(56px,9vw,110px); }
.hero-dark .eyebrow { color:#5fd6a4; display:flex; align-items:center; gap:.5rem; }
.hero-dark .eyebrow::before { content:""; width:9px; height:9px; border-radius:50%; background:#5fd6a4; display:inline-block; }
.hero-dark h1 { color:#fff; font-size:clamp(2.4rem,7vw,4.6rem); max-width:16ch; }
.hero-dark h1 .hl { color:#3fd99a; }
.hero-dark p.sub { color:#cfe0d6; font-size:1.15rem; max-width:46ch; }
.hero-dark .btns { display:flex; flex-wrap:wrap; gap:14px; margin-top:1.8rem; }
.hero-dark .btn-primary { background:#0f3024; color:#fff; border:1px solid #2d6a4f; }
.hero-dark .btn-primary:hover { background:#2d6a4f; }
.hero-dark .btn-dark { background:#102b21cc; color:#fff; border:1px solid #2d6a4f; }
.hero-dark .btn-dark:hover { background:#1f4d3d; color:#fff; }

.fee-alert { position:absolute; right:5%; top:18%; z-index:3; width:280px; max-width:42vw;
  background:#0f2c22cc; backdrop-filter:blur(8px); border:1px solid #2d6a4f; border-radius:16px; padding:16px; box-shadow:var(--shadow-lg); }
.fee-alert .thumb { width:100%; height:120px; border-radius:10px; overflow:hidden; margin-bottom:12px; background:#143a2c; }
.fee-alert .thumb svg { width:100%; height:100%; }
.fee-alert h4 { font-family:var(--font-body); font-size:.7rem; letter-spacing:.14em; text-transform:uppercase; color:#5fd6a4; margin:0 0 .3rem; }
.fee-alert p { color:#e9f3ee; font-size:.95rem; margin:0; }
@media (max-width:900px){ .fee-alert{ display:none; } }

.stat-bar { position:relative; z-index:3; margin-top:2.5rem; display:grid; grid-template-columns:repeat(3,1fr);
  gap:10px; background:#0f2c22cc; backdrop-filter:blur(8px); border:1px solid #2d6a4f; border-radius:18px; padding:22px; max-width:560px; }
.stat-bar .s b { display:block; font-family:var(--font-display); font-size:clamp(1.8rem,5vw,2.6rem); color:#3fd99a; line-height:1; }
.stat-bar .s span { font-size:.82rem; color:#bcd3c7; }