@font-face{font-family:"DM Serif Display";src:url(../fonts/dm-serif-display-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"IBM Plex Sans";src:url(../fonts/ibm-plex-sans-latin-400-normal.woff2) format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"IBM Plex Sans";src:url(../fonts/ibm-plex-sans-latin-500-normal.woff2) format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"IBM Plex Sans";src:url(../fonts/ibm-plex-sans-latin-600-normal.woff2) format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"IBM Plex Sans";src:url(../fonts/ibm-plex-sans-latin-700-normal.woff2) format("woff2");font-weight:700;font-display:swap}

:root{
  --paper:#f4f6f8;
  --white:#ffffff;
  --ink:#14213d;
  --ink-soft:#4b5872;
  --green:#1e6b52;
  --green-deep:#154d3b;
  --mint:#dfeee7;
  --copper:#b0652a;
  --copper-soft:#f3e2d3;
  --line:#d6dde5;
  --danger:#a33a2c;
  --serif:"DM Serif Display",Georgia,"Times New Roman",serif;
  --sans:"IBM Plex Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --wrap:1160px;
  --r-sm:8px;
  --r-md:14px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font:400 1.0625rem/1.62 var(--sans)}
img,svg{max-width:100%;display:block}
a{color:var(--green);text-decoration-thickness:1px;text-underline-offset:.18em}
a:hover{color:var(--green-deep);text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--copper);outline-offset:2px;border-radius:2px}
h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.12;color:var(--ink);margin:0 0 .55em}
h1{font-size:clamp(2.3rem,5vw,3.6rem);letter-spacing:-.005em}
h2{font-size:clamp(1.6rem,3vw,2.2rem)}
h3,.h3{font-size:1.35rem;font-family:var(--serif);font-weight:400}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.measure{max-width:66ch}
.lede{font-size:1.2rem;color:var(--ink-soft);line-height:1.55}
.small{font-size:.9rem}
.muted{color:var(--ink-soft)}
.skip{position:absolute;left:-999px;top:0;background:var(--copper);color:#fff;padding:.6em 1em;z-index:10}
.skip:focus{left:12px;top:12px}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.tag{display:inline-block;font-weight:600;font-size:.88rem;color:var(--copper);background:var(--copper-soft);padding:.2em .75em;border-radius:999px;margin-bottom:14px}

/* Masthead */
.masthead{background:var(--white);border-bottom:1px solid var(--line)}
.masthead-row{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:74px}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none;font-family:var(--serif);font-size:1.5rem;white-space:nowrap}
.brand:hover{color:var(--ink)}
.brand .amp{color:var(--copper)}
.brand-mark{width:38px;height:38px}
.nav{display:flex;align-items:center;gap:2px}
.nav a{color:var(--ink);text-decoration:none;padding:.5em .75em;border-radius:var(--r-sm);font-weight:500;font-size:.98rem}
.nav a:hover{background:var(--mint)}
.nav a[aria-current]{color:var(--green);box-shadow:inset 0 -2px 0 var(--green);border-radius:0}
.nav .nav-btn{margin-left:12px;background:var(--ink);color:#fff;padding:.55em 1.1em}
.nav .nav-btn:hover{background:var(--green-deep);color:#fff}
.nav .nav-btn[aria-current]{box-shadow:none;border-radius:var(--r-sm);color:#fff;background:var(--green)}
.menu{display:none}
@media (max-width:960px){
  .nav-desktop{display:none}
  .menu{display:block;position:relative}
  .menu summary{display:flex;flex-direction:column;gap:5px;padding:12px;cursor:pointer;list-style:none;border-radius:var(--r-sm)}
  .menu summary::-webkit-details-marker{display:none}
  .menu summary span{display:block;width:24px;height:2px;background:var(--ink)}
  .menu[open] .nav{display:flex;flex-direction:column;align-items:stretch;position:absolute;right:0;top:100%;background:var(--white);padding:10px;min-width:240px;border:1px solid var(--line);border-radius:var(--r-md);z-index:20;box-shadow:0 18px 40px rgba(20,33,61,.18)}
  .nav .nav-btn{margin:8px 0 0;text-align:center}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;font:600 1rem/1.2 var(--sans);padding:.85em 1.3em;border-radius:var(--r-sm);text-decoration:none;border:2px solid transparent;cursor:pointer}
.btn-primary{background:var(--green);color:#fff;border-color:var(--green)}
.btn-primary:hover{background:var(--green-deep);border-color:var(--green-deep);color:#fff}
.btn-quiet{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-quiet:hover{background:var(--ink);color:#fff}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-ghost:hover{background:#fff;color:var(--ink)}
.btn-danger{background:var(--danger);color:#fff;border-color:var(--danger)}
.text-link{background:none;border:0;padding:0;font:inherit;color:var(--green);text-decoration:underline;text-underline-offset:.18em;cursor:pointer;font-weight:600}
.actions{display:flex;flex-wrap:wrap;align-items:center;gap:14px;margin:1.4em 0 0}

.notice{padding:.85em 1.1em;border-radius:var(--r-sm);margin:20px 0;border-left:5px solid var(--green);background:var(--mint)}
.notice-err{border-color:var(--danger);background:#f6e3df}
.notice-info{border-color:var(--ink);background:#e6eaf1}

/* Hero */
.hero{background:var(--ink);color:#dfe5ef;padding:64px 0 72px}
.hero h1{color:#fff;max-width:17ch}
.hero .lede{color:#b9c3d6;max-width:48ch}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:56px;align-items:center}
.penny{background:var(--white);color:var(--ink);border-radius:var(--r-md);padding:28px 30px 22px;box-shadow:0 0 0 6px rgba(176,101,42,.35)}
.penny-h{font-family:var(--serif);font-size:1.5rem;margin:0 0 14px}
.penny-in{display:block;font-size:1.1rem;color:var(--ink-soft)}
.penny-in output{font:600 1.5rem var(--sans);color:var(--copper);font-variant-numeric:tabular-nums}
.penny input[type=range]{width:100%;margin:12px 0 18px;accent-color:var(--copper);height:28px}
.penny-res{margin:0;display:grid;grid-template-columns:1fr 1fr;gap:14px 20px}
.penny-res div{border-top:1px solid var(--line);padding-top:10px}
.penny-res dt{font-size:.9rem;color:var(--ink-soft)}
.penny-res dd{margin:0;font:600 1.75rem/1.2 var(--sans);font-variant-numeric:tabular-nums;color:var(--ink)}
.penny-res .penny-grow{grid-column:1/-1}
.penny-res .penny-grow dd{color:var(--green);font-size:2.3rem}
.penny-note{font-size:.78rem;color:var(--ink-soft);margin:14px 0 0;line-height:1.45}

/* Sections */
.section{padding:72px 0}
.section-alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band{padding:64px 0}
.band-signup{background:var(--mint)}
.band-playbook{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.signup-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:56px;align-items:start}
.page-head{padding:60px 0 44px;background:var(--white);border-bottom:1px solid var(--line)}
.page-short{padding:56px 0 64px}
.crumbs{font-size:.92rem;color:var(--ink-soft)}
.crumbs a{color:var(--ink-soft)}

/* Paths */
.paths{display:grid;grid-template-columns:repeat(3,1fr);margin-top:28px}
.path{padding:4px 32px 0}
.path:first-child{padding-left:0}
.path+.path{border-left:1px solid var(--line)}
.path h3{font-size:1.6rem}
.link-list{list-style:none;padding:0;margin:0}
.link-list li{padding:.45em 0;border-top:1px solid var(--line)}
.link-list a{font-weight:600}

/* Playbook visual */
.playbook-grid{display:grid;grid-template-columns:300px 1fr;gap:64px;align-items:center}
.pdf-stack{position:relative;height:330px}
.pdf-page{position:absolute;width:230px;height:298px;background:#fff;border:1px solid var(--line);border-radius:4px}
.pdf-page.p3{left:44px;top:4px;transform:rotate(5deg);background:var(--copper-soft)}
.pdf-page.p2{left:22px;top:12px;transform:rotate(-3deg);background:var(--mint)}
.pdf-page.p1{left:0;top:22px;box-shadow:0 14px 30px rgba(20,33,61,.15);padding:30px 24px;display:flex;flex-direction:column;border-top:10px solid var(--ink)}
.pdf-t{font-family:var(--serif);font-size:1.7rem;line-height:1.05}
.pdf-s{font-size:.82rem;color:var(--copper);font-weight:600;margin-top:10px}
.pdf-lines{margin-top:auto;display:flex;flex-direction:column;gap:9px}
.pdf-lines i{display:block;height:9px;border:1.5px solid var(--line);border-radius:2px;width:100%}
.pdf-lines i:nth-child(odd){width:82%}

/* Guides */
.guide-cols{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;margin-top:28px}
.guide-cols h3{padding-bottom:.45em;border-bottom:2px solid var(--ink);font-size:1.25rem}
.guide-links{list-style:none;margin:0;padding:0}
.guide-links li{padding:.5em 0;border-bottom:1px solid var(--line)}
.guide-links a{font-weight:500}
.hub-group{display:grid;grid-template-columns:280px 1fr;gap:40px;padding:32px 0;border-top:2px solid var(--ink)}
.hub-group:first-child{padding-top:0;border-top:0}
.hub-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:4px 32px}
.hub-list li{padding:.75em 0;border-bottom:1px solid var(--line)}
.hub-list a{font-family:var(--serif);font-size:1.3rem}
.hub-list p{margin:.2em 0 0;color:var(--ink-soft);font-size:.95rem}
.guide-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;padding-top:48px;padding-bottom:64px}
.guide-body{max-width:70ch}
.guide-body h2{margin-top:1.5em}
.guide-body h2:first-child{margin-top:0}
.checks{margin:0}
.checks>div{padding:1em 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:210px 1fr;gap:20px}
.checks dt{font-weight:600;color:var(--ink)}
.checks dd{margin:0}
.checks.two-col{display:grid;grid-template-columns:1fr 1fr;column-gap:48px}
.checks.two-col>div{grid-template-columns:1fr;gap:4px}
.callout{background:var(--copper-soft);border-left:6px solid var(--copper);padding:20px 24px;margin:2em 0;border-radius:0 var(--r-sm) var(--r-sm) 0}
.callout h2{font-size:1.4rem;margin:0 0 .4em}
.callout ul{margin:0}
.help-list{margin:0}
.help-list div{padding:.8em 0;border-bottom:1px solid var(--line)}
.help-list dt{font-weight:600}
.help-list dd{margin:0;color:var(--ink-soft)}
.plain-list{padding-left:1.2em}
.plain-list li{margin-bottom:.45em}
.disclaimer{margin-top:2.5em;padding-top:1em;border-top:1px solid var(--line)}
.guide-side{display:flex;flex-direction:column;gap:20px}
.side-box{background:var(--white);border:1px solid var(--line);border-radius:var(--r-md);padding:22px}
.side-box h2{font-size:1.35rem}
.side-links{list-style:none;padding:0;margin:0}
.side-links li{padding:.35em 0}

/* Checklist */
.check-groups{display:grid;grid-template-columns:1fr 1fr;gap:40px 56px}
.check-group h2{font-size:1.7rem}
.ticklist{list-style:none;margin:0;padding:0}
.ticklist li{position:relative;padding:.6em 0 .6em 2.1em;border-bottom:1px solid var(--line)}
.ticklist li::before{content:"";position:absolute;left:0;top:.8em;width:1.05em;height:1.05em;border:2px solid var(--green);border-radius:4px;background:#fff}
.ticklist .small{margin-left:.35em}

/* Club */
.club-band{background:var(--green-deep);color:#d6e8e0;padding:72px 0}
.club-band h2{color:#fff;font-size:clamp(2rem,4vw,2.8rem)}
.club-band .lede{color:#cfe3da}
.club-band .tag{background:rgba(255,255,255,.12);color:#f3d9c3}
.club-band .btn-primary{background:#fff;color:var(--green-deep);border-color:#fff}
.club-band .btn-primary:hover{background:var(--copper-soft);border-color:var(--copper-soft)}
.club-teaser{display:grid;grid-template-columns:1.3fr 1fr;gap:56px;align-items:center}
.feature-list{list-style:none;padding:0;margin:0 0 1.2em}
.feature-list li{padding:.6em 0;border-top:1px solid rgba(255,255,255,.18)}
.feature-list strong{color:#fff}
.price-line{font-size:1.1rem}
.club-band .price-line strong{color:#fff;font-size:1.4rem}
.week{list-style:none;margin:0;padding:0;counter-reset:none}
.week li{display:grid;grid-template-columns:90px 1fr;align-items:center;gap:16px;padding:18px 20px;margin-bottom:10px;background:rgba(255,255,255,.08);border-radius:var(--r-sm);font-family:var(--serif);font-size:1.35rem;color:#fff}
.week span{font:600 .85rem var(--sans);color:#f3d9c3}
.week-light li{background:var(--mint);color:var(--ink)}
.week-light span{color:var(--copper)}
.club-hero{display:grid;grid-template-columns:1.3fr 1fr;gap:56px;align-items:center}
.features{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:24px;border-top:2px solid var(--ink)}
.features article{padding:22px 22px 26px 0}
.features article:nth-child(n+5){border-top:1px solid var(--line)}
.features h3{font-size:1.3rem}
.features p{margin:0;color:var(--ink-soft);font-size:.98rem}
.club-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:56px}
.faq details{border-bottom:1px solid var(--line);padding:1em 0}
.faq summary{cursor:pointer;font-weight:600}
.faq details p{margin:.6em 0 0}

/* Calculators */
.tools-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:32px;align-items:start}
.calc{background:var(--white);border:1px solid var(--line);border-radius:var(--r-md);padding:28px;scroll-margin-top:20px}
.calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}
#savings .calc-fields{grid-template-columns:1fr 1fr}
.calc-out{margin:22px 0 14px;display:grid;grid-template-columns:1fr 1fr;gap:0 20px}
.calc-out div{padding:.65em 0;border-top:1px solid var(--line)}
.calc-out dt{font-size:.9rem;color:var(--ink-soft)}
.calc-out dd{margin:0;font:600 1.2rem var(--sans);font-variant-numeric:tabular-nums}
.calc-out .calc-main{grid-column:1/-1;background:var(--mint);border:0;border-radius:var(--r-sm);padding:14px 16px;margin-bottom:6px}
.calc-out .calc-main dd{font-size:2.2rem;color:var(--green-deep)}

/* Forms */
.form{display:flex;flex-direction:column;gap:16px;max-width:520px}
.form.compact{gap:10px}
.form.inline{flex-direction:row;align-items:flex-end;max-width:none;margin-bottom:16px}
.field{display:flex;flex-direction:column;gap:6px;font-weight:500;font-size:.95rem}
.field small{font-weight:400;color:var(--ink-soft)}
input[type=email],input[type=text],input[type=password],input[type=number],select,textarea,input:not([type]){font:inherit;font-weight:400;padding:.7em .8em;border:1.5px solid #9aa6b8;border-radius:var(--r-sm);background:#fff;color:var(--ink);width:100%;font-variant-numeric:tabular-nums}
input:focus,select:focus,textarea:focus{border-color:var(--green);outline:3px solid var(--mint);outline-offset:0}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.95rem;line-height:1.45}
.check input{margin-top:.2em;width:1.15em;height:1.15em;flex:none;accent-color:var(--green)}
.check-highlight{background:var(--copper-soft);padding:10px 12px;border-radius:var(--r-sm)}
.signup{display:flex;flex-direction:column;gap:14px}
.signup .btn{align-self:flex-start}
.signup-card{background:var(--white);border:1px solid var(--line);border-radius:var(--r-md);padding:28px}
.auth-grid,.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.contact-grid{grid-template-columns:1.4fr 1fr}
.auth-narrow{margin-top:16px}
.steps{padding-left:1.4em}
.steps li{margin-bottom:.8em}
.steps-row{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;padding-left:0;list-style:none;counter-reset:s}
.steps-row li{counter-increment:s;padding:20px 0 0;border-top:2px solid var(--ink)}
.steps-row li::before{content:counter(s);display:block;font:400 2.2rem/1 var(--serif);color:var(--copper);margin-bottom:10px}

/* Sample email */
.email-sample{max-width:680px;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden}
.email-meta{margin:0;padding:16px 28px;background:#e9edf3;border-bottom:1px solid var(--line)}
.email-meta div{display:flex;gap:12px;font-size:.95rem}
.email-meta dt{font-weight:600;width:70px}
.email-meta dd{margin:0}
.email-body{padding:28px}
.email-body h2{font-size:1.4rem;margin-top:1.2em}
.email-foot{padding:20px 28px;background:var(--paper);border-top:1px solid var(--line);color:var(--ink-soft)}
.email-foot p{margin:.3em 0}
.fake-link{text-decoration:underline;color:var(--green);margin-right:14px}

/* Prose / legal */
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.2em}
.prose li{margin-bottom:.5em}
.addr-block{font-style:normal;line-height:1.6;margin:1em 0}
.table{width:100%;border-collapse:collapse;margin:1em 0 1.5em;font-size:.95rem}
.table th,.table td{text-align:left;padding:.6em .7em;border-bottom:1px solid var(--line);vertical-align:top}
.table th{background:#e9edf3}

/* Account */
.account-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px}
.account-side{display:flex;flex-direction:column;gap:20px}
.side-club{border-color:var(--copper);box-shadow:inset 0 4px 0 var(--copper)}
.group-tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px;position:sticky;top:0;background:var(--paper);padding:10px 0;z-index:5}
.group-tabs a{padding:.45em .95em;border:1.5px solid var(--ink);border-radius:999px;text-decoration:none;font-weight:500;color:var(--ink);font-size:.95rem}
.group-tabs a:hover{background:var(--ink);color:#fff}
.tracker{margin-bottom:40px;scroll-margin-top:70px}
.track-list{list-style:none;margin:0;padding:0}
.track-list li{display:flex;align-items:center;gap:12px;border-bottom:1px solid var(--line)}
.track-form{flex:1}
.track{display:flex;gap:14px;align-items:flex-start;width:100%;text-align:left;background:none;border:0;padding:.8em 0;font:inherit;color:var(--ink);cursor:pointer}
.track .box{flex:none;width:1.4em;height:1.4em;border:2px solid var(--green);border-radius:5px;margin-top:.05em;position:relative;background:#fff}
.track.is-done .box{background:var(--green)}
.track.is-done .box::after{content:"";position:absolute;left:.38em;top:.12em;width:.4em;height:.75em;border:solid #fff;border-width:0 3px 3px 0;transform:rotate(45deg)}
.track.is-done .label{color:var(--ink-soft);text-decoration:line-through;text-decoration-color:rgba(20,33,61,.35)}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0}
.stats div{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:16px}
.stats dt{font-size:.88rem;color:var(--ink-soft)}
.stats dd{margin:0;font:600 1.9rem var(--sans);color:var(--ink)}
.admin-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px}
.msg{border-bottom:1px solid var(--line);padding:12px 0}
.msg p{margin:.2em 0}

/* Footer */
.footer{background:var(--ink);color:#b9c3d6;padding:56px 0 24px;font-size:.95rem}
.footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.1fr;gap:40px}
.footer nav{display:flex;flex-direction:column;gap:.4em}
.footer nav a{text-decoration:none}
.footer nav a:hover{text-decoration:underline}
.footer-brand{font:400 1.5rem var(--serif);color:#fff}
.footer-h{font-weight:600;color:#fff;margin-bottom:.6em}
.footer-company{font-style:normal;line-height:1.65}
.footer-base{border-top:1px solid rgba(255,255,255,.15);margin-top:40px;padding-top:20px;color:#93a0b8}

@media (max-width:960px){
  .hero-grid,.signup-grid,.club-teaser,.club-hero,.guide-grid,.auth-grid,.contact-grid,.club-grid,.account-grid,.admin-grid,.hub-group,.tools-grid,.playbook-grid{grid-template-columns:1fr}
  .paths{grid-template-columns:1fr;gap:28px}
  .path{padding:0}
  .path+.path{border-left:0;border-top:1px solid var(--line);padding-top:24px}
  .guide-cols{grid-template-columns:1fr 1fr}
  .features{grid-template-columns:1fr 1fr}
  .features article:nth-child(n+3){border-top:1px solid var(--line)}
  .hub-list,.checks.two-col,.check-groups{grid-template-columns:1fr}
  .steps-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .playbook-grid{gap:24px}
  .pdf-stack{display:none}
}
@media (max-width:600px){
  body{font-size:1rem}
  .section{padding:48px 0}
  .hero{padding:44px 0 52px}
  .penny{padding:22px 20px 18px}
  .penny-res dd{font-size:1.45rem}
  .penny-res .penny-grow dd{font-size:1.9rem}
  .guide-cols,.features,.calc-fields,#savings .calc-fields,.calc-out{grid-template-columns:1fr}
  .features article{padding-right:0}
  .checks>div{grid-template-columns:1fr;gap:4px}
  .footer-grid{grid-template-columns:1fr}
  .form.inline{flex-direction:column;align-items:stretch}
  .table{display:block;overflow-x:auto}
  .brand{font-size:1.3rem}
  .week li{font-size:1.15rem;grid-template-columns:72px 1fr}
}