/* ============================================================
   EMERGING WEALTH FINANCIAL HEALTH CHECK
   Palette locked to four brand colours. White/black only where
   legibility requires. All other tones are opacity tints.
   ============================================================ */
:root{
  --light:#EAEAEA; --dark:#353E47; --tan:#C2BEB3; --grey:#718183; --ink:#353E47;
  --ui:Calibri,"Segoe UI",system-ui,-apple-system,Arial,sans-serif;
  --display:Georgia,"Times New Roman",serif;
  --r:10px;
  --sh:0 1px 2px rgba(53,62,71,.05),0 8px 28px rgba(53,62,71,.07);
  --sh-lift:0 2px 6px rgba(53,62,71,.08),0 18px 46px rgba(53,62,71,.13);
  --ease:cubic-bezier(.22,.7,.3,1);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--ui);color:var(--ink);background:#fff;font-size:16.5px;line-height:1.6;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
h1,h2,h3,h4{margin:0 0 .45em;line-height:1.15;font-weight:700;color:var(--dark)}
h1{font-family:var(--display);font-size:clamp(2rem,4.4vw,3.15rem);font-weight:400;letter-spacing:-.5px}
h2{font-family:var(--display);font-size:clamp(1.35rem,2.4vw,1.85rem);font-weight:400}
h3{font-size:1.08rem}h4{font-size:.96rem}
p{margin:0 0 1em}ul{margin:0 0 1em;padding-left:20px}
a{color:var(--dark)}
.wrap{max-width:1060px;margin:0 auto;padding:0 22px}
.eyebrow{text-transform:uppercase;letter-spacing:2.6px;font-size:.68rem;font-weight:700;color:var(--grey)}
.note{font-size:.85rem;color:var(--grey)}
.center{text-align:center}
.mt{margin-top:28px}

.lockup{display:flex;align-items:center;gap:13px;text-decoration:none}
.lockup img{width:42px;height:42px}
.lockup .wm b{display:block;color:#fff;font-size:.92rem;letter-spacing:2.4px;font-weight:700;line-height:1.1}
.lockup .wm span{display:block;color:var(--tan);font-size:.62rem;letter-spacing:2.6px;text-transform:uppercase;margin-top:2px}

.bar{position:sticky;top:0;z-index:40;background:var(--dark);padding:13px 0;box-shadow:0 1px 0 rgba(194,190,179,.22)}
.bar .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px}
.bar .tag{color:var(--tan);font-size:.78rem}
.ring-wrap{display:flex;align-items:center;gap:11px}
.ring-wrap .rl{color:var(--tan);font-size:.68rem;text-transform:uppercase;letter-spacing:1.8px;font-weight:700;text-align:right;line-height:1.3}
.ring-wrap .rl i{display:block;color:#fff;font-style:normal;font-size:.8rem;letter-spacing:.4px}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;border:0;cursor:pointer;
  font-family:var(--ui);font-size:1rem;font-weight:700;padding:14px 30px;border-radius:999px;
  background:var(--dark);color:#fff;text-decoration:none;letter-spacing:.2px;
  transition:transform .18s var(--ease),box-shadow .18s var(--ease),background .18s,color .18s;
  box-shadow:0 2px 10px rgba(53,62,71,.16)}
.btn:hover{transform:translateY(-2px);box-shadow:0 6px 20px rgba(53,62,71,.24)}
.btn:active{transform:translateY(0)}
.btn.tan{background:var(--tan);color:var(--dark)}
.btn.tan:hover{background:#fff}
.btn.line{background:transparent;color:var(--dark);border:1.5px solid rgba(113,129,131,.45);box-shadow:none}
.btn.line:hover{border-color:var(--dark);background:rgba(234,234,234,.5)}
.btn.line.on-dark{color:var(--tan);border-color:rgba(194,190,179,.5)}
.btn.line.on-dark:hover{background:rgba(194,190,179,.14);border-color:var(--tan)}
.btn.sm{padding:10px 20px;font-size:.88rem}
.btn:disabled{opacity:.3;cursor:not-allowed;transform:none;box-shadow:none}
.btn .ar{transition:transform .2s var(--ease)}
.btn:hover .ar{transform:translateX(3px)}

.screen{display:none}
.screen.on{display:block;animation:fade .45s var(--ease)}
@keyframes fade{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}

/* hero */
.hero{position:relative;background:var(--dark);color:#fff;padding:78px 0 92px;overflow:hidden}
.hero .mark{position:absolute;right:-150px;top:50%;transform:translateY(-50%);width:620px;opacity:.07;pointer-events:none}
.hero .wrap{position:relative;z-index:2}
.hg{display:grid;grid-template-columns:1.15fr .85fr;gap:54px;align-items:center}
.hero h1{color:#fff;max-width:17ch;margin-bottom:.35em}
.hero h1 em{font-style:italic;color:var(--tan)}
.hero .lede{color:var(--light);max-width:52ch;font-size:1.1rem}
.hero .eyebrow{color:var(--tan);margin-bottom:14px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.micro{color:rgba(194,190,179,.85);font-size:.82rem;margin-top:18px;display:flex;gap:16px;flex-wrap:wrap}
.micro span{display:flex;align-items:center;gap:6px}
.dotv{width:4px;height:4px;border-radius:50%;background:var(--tan);display:inline-block}
.glass{background:rgba(255,255,255,.055);border:1px solid rgba(194,190,179,.3);border-radius:var(--r);padding:30px}
.glass h3{color:var(--tan);font-size:.74rem;text-transform:uppercase;letter-spacing:2.4px;margin-bottom:16px}
.glass ul{list-style:none;padding:0;margin:0}
.glass li{color:var(--light);margin-bottom:13px;font-size:.95rem;padding-left:26px;position:relative;line-height:1.45}
.glass li:before{content:"";position:absolute;left:0;top:7px;width:13px;height:7px;
  border-left:2px solid var(--tan);border-bottom:2px solid var(--tan);transform:rotate(-45deg)}

.strip{background:var(--light);padding:34px 0}
.strip .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.stp{display:flex;gap:14px;align-items:flex-start}
.stp .n{flex:0 0 34px;height:34px;border-radius:50%;background:#fff;color:var(--dark);display:flex;
  align-items:center;justify-content:center;font-weight:700;font-size:.88rem;border:1.5px solid var(--tan)}
.stp h4{margin:2px 0 3px}
.stp p{margin:0;font-size:.85rem;color:var(--grey);line-height:1.45}

/* quiz */
.quizwrap{min-height:calc(100vh - 68px);display:flex;flex-direction:column;justify-content:center;padding:44px 0 56px}
.dots{display:flex;gap:6px;justify-content:center;margin-bottom:34px;flex-wrap:wrap}
.dots i{width:26px;height:3px;border-radius:99px;background:var(--light);transition:background .35s var(--ease),transform .35s var(--ease)}
.dots i.done{background:var(--tan)}
.dots i.now{background:var(--dark);transform:scaleY(2.2)}
.qcard{max-width:730px;margin:0 auto;width:100%}
.qmeta{display:flex;align-items:center;gap:10px;justify-content:center;margin-bottom:22px;flex-wrap:wrap}
.chip{display:inline-flex;align-items:center;gap:7px;background:var(--light);color:var(--dark);border-radius:999px;
  padding:6px 15px;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:1.8px}
.chip .pip{width:6px;height:6px;border-radius:50%;background:var(--tan)}
.qstatement{font-family:var(--display);font-weight:400;font-size:clamp(1.3rem,2.9vw,2rem);line-height:1.3;
  text-align:center;color:var(--dark);margin:0 auto 10px;max-width:min(24ch,100%)}
.qpromise{text-align:center;color:var(--grey);font-size:.9rem;max-width:52ch;margin:0 auto 34px;font-style:italic}
.qblock{animation:slideIn .4s var(--ease)}
@keyframes slideIn{from{opacity:0;transform:translateX(18px)}to{opacity:1;transform:none}}
.qblock.back{animation:slideBack .4s var(--ease)}
@keyframes slideBack{from{opacity:0;transform:translateX(-18px)}to{opacity:1;transform:none}}
.ask{margin-bottom:20px}
.ask .lab{font-size:.68rem;text-transform:uppercase;letter-spacing:2.2px;color:var(--grey);font-weight:700;margin-bottom:10px;text-align:center}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:13px;max-width:520px;margin:0 auto}
.opt{padding:17px 12px;border:1.5px solid var(--light);background:#fff;border-radius:var(--r);font-family:var(--ui);
  font-size:1rem;font-weight:700;color:var(--grey);cursor:pointer;transition:all .18s var(--ease);position:relative;
  box-shadow:0 1px 2px rgba(53,62,71,.04)}
.opt:hover{border-color:var(--tan);color:var(--dark);transform:translateY(-2px);box-shadow:var(--sh)}
.opt.on{background:var(--dark);border-color:var(--dark);color:#fff;box-shadow:0 6px 18px rgba(53,62,71,.2)}
.opt .k{position:absolute;right:11px;top:9px;font-size:.6rem;letter-spacing:1px;opacity:.45;font-weight:700}
.opt.on .k{opacity:.6}
.owner{max-width:520px;margin:0 auto;animation:fade .35s var(--ease)}
.chips{display:flex;flex-wrap:wrap;gap:9px;justify-content:center}
.chips button{padding:10px 17px;border:1.5px solid var(--light);background:#fff;border-radius:999px;font-family:var(--ui);
  font-size:.87rem;font-weight:700;color:var(--grey);cursor:pointer;transition:all .16s var(--ease)}
.chips button:hover{border-color:var(--tan);color:var(--dark)}
.chips button.on{background:var(--tan);border-color:var(--tan);color:var(--dark)}
.qnav{display:flex;justify-content:space-between;align-items:center;margin:38px auto 0;gap:14px;max-width:520px}
.kbd{font-size:.72rem;color:var(--grey);text-align:center;margin-top:24px}
.kbd b{background:var(--light);border-radius:4px;padding:2px 7px;font-family:var(--ui);color:var(--dark)}
.inter{max-width:560px;margin:0 auto;text-align:center;animation:fade .5s var(--ease)}
.inter .big{font-family:var(--display);font-size:4.4rem;color:var(--tan);line-height:1;margin-bottom:6px}
.inter .rule{width:56px;height:2px;background:var(--tan);margin:22px auto}
.wpill{display:inline-block;background:var(--light);border-radius:999px;padding:5px 14px;font-size:.72rem;
  font-weight:700;color:var(--grey);letter-spacing:1.4px;text-transform:uppercase;margin-top:6px}

/* report */
.card{background:#fff;border:1px solid var(--light);border-radius:var(--r);padding:30px;box-shadow:var(--sh)}
.rv{opacity:0;transform:translateY(22px)}
.rv.in{opacity:1;transform:none;transition:opacity .7s var(--ease),transform .7s var(--ease)}
.cover{background:var(--dark);color:#fff;border-radius:var(--r);padding:44px;position:relative;overflow:hidden}
.cover .mark{position:absolute;right:-90px;bottom:-90px;width:340px;opacity:.08}
.cover .in{position:relative;z-index:2;display:grid;grid-template-columns:250px 1fr;gap:40px;align-items:center}
.cover h1{color:#fff;font-size:clamp(1.6rem,3vw,2.3rem);margin-bottom:.3em}
.cover .eyebrow{color:var(--tan)}
.cover .verdict{color:var(--light);font-size:1.02rem;max-width:50ch}
.cover .meta{color:rgba(194,190,179,.8);font-size:.8rem;margin-top:14px}
.badge{display:inline-block;padding:7px 18px;border-radius:999px;font-weight:700;font-size:.74rem;letter-spacing:2.2px;
  text-transform:uppercase;background:var(--tan);color:var(--dark);margin-bottom:14px}
.capnote{background:rgba(194,190,179,.18);border-left:3px solid var(--tan);border-radius:6px;padding:12px 16px;
  margin-top:16px;font-size:.84rem;color:var(--light)}

/* score scale */
.scale{margin:22px 0 4px;position:relative}
.scale .track{height:12px;border-radius:99px;display:flex;overflow:hidden}
.scale .track i{display:block;height:100%}
.scale .you{position:absolute;top:-7px;width:3px;height:26px;background:var(--dark);border-radius:99px;
  box-shadow:0 0 0 3px #fff;transition:left 1.2s var(--ease)}
.scale .lbls{display:flex;justify-content:space-between;margin-top:9px;font-size:.66rem;color:var(--grey);
  text-transform:uppercase;letter-spacing:1.2px;font-weight:700}
.youtag{position:absolute;top:-34px;transform:translateX(-50%);background:var(--dark);color:#fff;font-size:.7rem;
  font-weight:700;padding:4px 10px;border-radius:99px;white-space:nowrap;transition:left 1.2s var(--ease)}

/* exec summary */
.exec{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:18px}
.ex{background:#fff;border:1px solid var(--light);border-left:3px solid var(--tan);border-radius:var(--r);padding:20px;box-shadow:var(--sh)}
.ex .n{font-family:var(--display);font-size:1.6rem;color:var(--tan);line-height:1;margin-bottom:8px}
.ex h4{margin:0 0 5px;font-size:.92rem}
.ex p{margin:0;font-size:.85rem;color:var(--grey);line-height:1.5}

.g4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.tile{background:#fff;border:1px solid var(--light);border-radius:var(--r);padding:22px;box-shadow:var(--sh);
  transition:transform .2s var(--ease),box-shadow .2s var(--ease)}
.tile:hover{transform:translateY(-3px);box-shadow:var(--sh-lift)}
.tile .lab{font-size:.66rem;text-transform:uppercase;letter-spacing:2px;color:var(--grey);font-weight:700}
.tile b{display:block;font-family:var(--display);font-size:2.4rem;color:var(--dark);line-height:1.05;margin:6px 0 2px;font-weight:400}
.tile p{margin:0;font-size:.8rem;color:var(--grey);line-height:1.4}
.st{display:flex;align-items:center;gap:16px;margin:52px 0 18px}
.st h2{margin:0;white-space:nowrap}
.st .ln{height:1px;flex:1;background:var(--light)}
.br{margin-bottom:15px}
.brt{display:flex;justify-content:space-between;font-size:.9rem;margin-bottom:6px;gap:12px}
.brt b{color:var(--dark);font-variant-numeric:tabular-nums}
.brt .ww{color:var(--grey);font-size:.78rem;font-weight:400}
.trk{height:9px;background:var(--light);border-radius:99px;overflow:hidden}
.trk i{display:block;height:100%;border-radius:99px;width:0;transition:width 1.1s var(--ease)}
.row{display:flex;gap:16px;padding:16px 0;border-bottom:1px solid var(--light)}
.row:last-child{border-bottom:0}
.rn{flex:0 0 30px;height:30px;border-radius:50%;background:var(--light);color:var(--dark);display:flex;
  align-items:center;justify-content:center;font-weight:700;font-size:.85rem}
.row.alert .rn{background:var(--tan)}
.row h4{margin:0 0 3px}
.row p{margin:0;font-size:.89rem;color:var(--grey);line-height:1.5}
.legend{display:flex;gap:18px;flex-wrap:wrap;font-size:.8rem;color:var(--grey);margin-top:18px}
.legend span{display:flex;align-items:center;gap:7px}
.legend i{width:11px;height:11px;border-radius:3px;display:inline-block}
.qtr{background:#fff;border:1px solid var(--light);border-radius:var(--r);padding:20px;box-shadow:var(--sh)}
.qtr.hot{border-left:3px solid var(--tan)}
.qtr .when{font-size:.76rem;color:var(--grey);margin:2px 0 10px}
.qtr ul{margin:0;padding-left:17px;font-size:.87rem}
.qtr li{margin-bottom:5px}

.eb{background:rgba(234,234,234,.55);border-left:3px solid var(--grey);border-radius:6px;padding:13px 16px;
  margin-top:12px;font-size:.84rem;color:var(--grey);line-height:1.55}
.eb b{color:var(--dark)}

/* method */
.mstep{display:flex;gap:16px;padding:18px 0;border-bottom:1px solid var(--light)}
.mstep:last-child{border-bottom:0}
.mstep .mn{flex:0 0 34px;height:34px;border-radius:50%;background:var(--dark);color:#fff;display:flex;
  align-items:center;justify-content:center;font-weight:700;font-size:.9rem}
.mstep h4{margin:4px 0 4px}
.mstep p{margin:0;font-size:.89rem;color:var(--grey);line-height:1.55}
.wtable{width:100%;border-collapse:collapse;font-size:.87rem;margin-top:6px}
.wtable th{text-align:left;font-size:.66rem;text-transform:uppercase;letter-spacing:1.6px;color:var(--grey);
  padding:9px 10px;border-bottom:1.5px solid var(--tan)}
.wtable td{padding:9px 10px;border-bottom:1px solid var(--light);vertical-align:top}
.wtable tr:nth-child(even) td{background:rgba(234,234,234,.45)}
.wtable td.n{text-align:right;font-variant-numeric:tabular-nums;font-weight:700;white-space:nowrap}
.wtable td.dm{color:var(--grey);font-size:.82rem}
.wtable tr.dhead td{background:var(--dark);color:#fff;font-weight:700;font-size:.72rem;text-transform:uppercase;letter-spacing:1.8px}
.lim{padding-left:20px;margin:0}
.lim li{font-size:.87rem;color:var(--grey);margin-bottom:10px;line-height:1.55}
.srcs{list-style:none;padding:0;margin:0}
.srcs li{padding:12px 0;border-bottom:1px solid var(--light);font-size:.85rem;color:var(--grey);line-height:1.5}
.srcs li:last-child{border-bottom:0}
.srcs b{display:block;color:var(--dark);font-size:.88rem;margin-bottom:2px}
details.meth{border:1px solid var(--light);border-radius:var(--r);background:#fff;box-shadow:var(--sh)}
details.meth summary{cursor:pointer;padding:20px 26px;font-weight:700;color:var(--dark);list-style:none;
  display:flex;justify-content:space-between;align-items:center;gap:12px}
details.meth summary::-webkit-details-marker{display:none}
details.meth summary:after{content:"+";font-size:1.4rem;color:var(--tan);font-weight:400}
details.meth[open] summary:after{content:"\2212"}
details.meth .mbody{padding:0 26px 26px}

/* gate */
.gate{max-width:680px;margin:0 auto}
.gatecard{background:#fff;border:1px solid var(--tan);border-radius:var(--r);padding:34px;box-shadow:var(--sh-lift);margin-top:22px}
label{display:block;font-weight:700;font-size:.78rem;color:var(--dark);margin-bottom:6px;text-transform:uppercase;letter-spacing:1.2px}
input[type=text],input[type=email],select{width:100%;padding:13px 15px;border:1.5px solid var(--light);border-radius:8px;
  font-family:var(--ui);font-size:1rem;background:#fff;color:var(--ink);transition:border-color .16s}
input:focus,select:focus{outline:0;border-color:var(--tan);box-shadow:0 0 0 3px rgba(194,190,179,.25)}
.fld{margin-bottom:18px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.chk{display:flex;gap:11px;align-items:flex-start}
.chk input{margin-top:4px;width:17px;height:17px;accent-color:var(--dark);flex:none}
.chk label{font-weight:400;text-transform:none;letter-spacing:0;font-size:.84rem;color:var(--grey);margin:0;line-height:1.5}
.err{color:var(--dark);font-size:.85rem;font-weight:700;border-left:3px solid var(--tan);padding-left:10px;min-height:1.3em;margin:0 0 8px}
.teaser{list-style:none;padding:0;margin:0 0 22px}
.teaser li{display:flex;align-items:center;gap:11px;padding:11px 0;border-bottom:1px solid var(--light);font-size:.92rem}
.teaser li:last-child{border-bottom:0}
.teaser b{font-family:var(--display);font-size:1.5rem;color:var(--dark);min-width:38px;font-weight:400}

.cta{background:var(--dark);color:#fff;border-radius:var(--r);padding:46px 34px;text-align:center;margin-top:40px;position:relative;overflow:hidden}
.cta .mark{position:absolute;left:-70px;top:-70px;width:260px;opacity:.07}
.cta>*{position:relative;z-index:2}
.cta h2{color:#fff}
.cta p{color:var(--light);max-width:58ch;margin:0 auto 24px}
.tools{display:flex;gap:11px;justify-content:center;flex-wrap:wrap;margin-top:22px}
.sent{background:rgba(194,190,179,.18);border:1px solid var(--tan);border-radius:var(--r);padding:16px 20px;
  margin-top:20px;font-size:.86rem;color:var(--light);display:none}
.sent.show{display:block}
.adv{background:var(--light);border-radius:var(--r);padding:22px 26px;margin-top:34px;font-size:.79rem;color:var(--grey);line-height:1.6}
.adv b{color:var(--dark)}
footer{background:var(--dark);color:var(--tan);padding:34px 0;font-size:.78rem;margin-top:60px}
footer .wrap{display:flex;justify-content:space-between;gap:22px;align-items:center;flex-wrap:wrap}
footer p{margin:0 0 .5em;max-width:66ch;color:rgba(194,190,179,.75)}
footer b{color:#fff}
footer a{color:var(--tan)}
.toast{position:fixed;left:50%;bottom:26px;transform:translate(-50%,80px);background:var(--dark);color:#fff;padding:13px 24px;
  border-radius:999px;font-size:.88rem;font-weight:700;z-index:80;opacity:0;transition:all .4s var(--ease);
  box-shadow:var(--sh-lift);pointer-events:none;max-width:90vw;text-align:center}
.toast.up{transform:translate(-50%,0);opacity:1}

@media print{
  .bar,footer,.noprint,.hero,.strip{display:none!important}
  body{background:#fff;font-size:11pt}
  .screen{display:none!important}.screen.on{display:block!important}
  .card,.tile,.qtr,.cover,.ex{break-inside:avoid;box-shadow:none;border-color:#ccc}
  .rv{opacity:1!important;transform:none!important}
  .st{margin:24px 0 10px}
  .cta{background:#fff;color:var(--dark);border:1px solid #ccc}
  .cta h2,.cta p{color:var(--dark)}
  .trk i{transition:none}
  .print-head{display:flex!important}
  details.meth{border-color:#ccc}
  details.meth .mbody{display:block!important}
  .wtable{font-size:9pt}
  .pbreak{page-break-before:always}
}
.print-head{display:none;align-items:center;gap:14px;padding-bottom:16px;margin-bottom:22px;border-bottom:2px solid var(--tan)}
.print-head img{width:46px;height:46px}
.print-head b{font-size:.9rem;letter-spacing:2.4px;color:var(--dark)}
.print-head span{font-size:.66rem;letter-spacing:2px;color:var(--grey);text-transform:uppercase;display:block}
.print-head .ph-lic{margin-left:auto;text-align:right;font-size:7.5pt;color:var(--grey);line-height:1.4;max-width:46%}

@media(max-width:860px){
  .hg,.g2,.two,.cover .in{grid-template-columns:1fr}
  .g4,.exec{grid-template-columns:1fr 1fr}
  .strip .wrap{grid-template-columns:1fr;gap:18px}
  .hero{padding:54px 0 62px}
  .hero .mark{right:-220px;opacity:.05}
  .cover{padding:30px}
  .bar .tag{display:none}
  .st{margin:38px 0 14px}
}
@media(max-width:520px){
  .g4,.exec{grid-template-columns:1fr}
  .kbd{display:none}
  .wtable td.dm{display:none}
}
@media(prefers-reduced-motion:reduce){
  *{animation-duration:.01ms!important;transition-duration:.01ms!important}
  html{scroll-behavior:auto}
}