/* MyFederalFuture — warm, calm, private-sector, editorial. Mobile-first.
   Design register per tspanmuity.md: helpful neighbour, NOT a government agency
   and NOT Wall Street. Deliberately avoids federal red/white/blue and any
   government iconography (no eagles, seals, flags). */

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --bg:#FBF9F5;          /* warm cream */
  --bg-alt:#F4F0E8;      /* sand */
  --card:#FFFFFF;
  --ink:#22302F;         /* deep charcoal-green */
  --ink-soft:#5C6B69;
  --ink-faint:#8A9694;
  --accent:#1F6F5C;      /* muted forest green — calm, non-governmental */
  --accent-dark:#155444;
  --accent-soft:#E8F1ED;
  --border:#E6DFD4;
  --amber:#B67A2E;
  --serif:'Fraunces',Georgia,'Times New Roman',serif;
  --sans:'Inter',system-ui,-apple-system,sans-serif;
  --wrap:1120px;
  --radius:14px;
}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--sans);background:var(--bg);color:var(--ink);line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.narrow{max-width:760px;margin:0 auto;padding:0 20px}

/* ---------- Compliance bar (visible on EVERY page — non-negotiable) ---------- */
.disclaimer-bar{background:var(--ink);color:#DDE5E3;font-size:.74rem;line-height:1.5;text-align:center;padding:8px 16px;letter-spacing:.01em}

/* ---------- Nav ---------- */
nav{background:rgba(251,249,245,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--border);position:sticky;top:0;z-index:50}
nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:14px;padding-bottom:14px}
.logo{font-family:var(--serif);font-weight:600;font-size:1.22rem;letter-spacing:-.02em;text-decoration:none;color:var(--ink);white-space:nowrap}
.logo span{color:var(--accent)}
.nav-links{display:flex;align-items:center;gap:26px}
.nav-links a{font-size:.92rem;color:var(--ink-soft);text-decoration:none;transition:color .15s}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--accent)}
.hamburger{display:none;background:none;border:0;cursor:pointer;flex-direction:column;gap:5px;padding:6px}
.hamburger span{width:22px;height:2px;background:var(--ink);display:block}
.mobile-menu{display:none;flex-direction:column;gap:6px;padding:10px 20px 20px;border-bottom:1px solid var(--border);background:var(--bg)}
.mobile-menu.open{display:flex}
.mobile-menu a{padding:11px 0;text-decoration:none;color:var(--ink);border-bottom:1px solid var(--border);font-size:1rem}
.mobile-menu .btn{margin-top:10px;text-align:center;border-bottom:0}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 24px;border-radius:999px;font-weight:600;font-size:.95rem;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:transform .15s,background .15s}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-dark);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--border)}
.btn-ghost:hover{border-color:var(--accent);color:var(--accent)}
.btn-lg{padding:16px 30px;font-size:1.02rem}

/* ---------- Hero ---------- */
.hero{padding:64px 0 56px;background:linear-gradient(180deg,var(--bg) 0%,var(--bg-alt) 100%)}
.eyebrow{display:inline-block;font-size:.76rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--accent);background:var(--accent-soft);padding:6px 13px;border-radius:999px;margin-bottom:20px}
.hero h1{font-family:var(--serif);font-size:clamp(2rem,5.2vw,3.2rem);line-height:1.12;font-weight:600;letter-spacing:-.02em;margin-bottom:20px;max-width:16ch}
.hero p.lede{font-size:clamp(1rem,2.2vw,1.14rem);color:var(--ink-soft);max-width:56ch;margin-bottom:30px}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:28px}
.trust-row{display:flex;flex-wrap:wrap;gap:10px 26px;padding-top:22px;border-top:1px solid var(--border);max-width:640px}
.trust-row div{display:flex;align-items:center;gap:8px;font-size:.86rem;color:var(--ink-soft)}
.trust-row .tick{color:var(--accent);font-weight:700}

/* ---------- Sections ---------- */
section{padding:64px 0}
.section-alt{background:var(--bg-alt)}
.section-head{max-width:62ch;margin-bottom:40px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
h2{font-family:var(--serif);font-size:clamp(1.5rem,3.4vw,2.15rem);line-height:1.2;font-weight:600;letter-spacing:-.015em;margin-bottom:14px}
h3{font-family:var(--serif);font-size:1.16rem;font-weight:600;margin-bottom:8px}
.sub{color:var(--ink-soft);font-size:1.02rem}

/* ---------- Cards / grids ---------- */
.grid{display:grid;gap:18px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:26px}
.card p{color:var(--ink-soft);font-size:.94rem}
.step-num{font-family:var(--serif);font-size:2rem;color:var(--accent);opacity:.35;line-height:1;margin-bottom:10px}

/* ---------- Framework (TSP Secure Path) ---------- */
.framework{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:32px}
.framework ol{list-style:none;counter-reset:step;display:grid;gap:18px;margin-top:22px}
.framework ol li{counter-increment:step;padding-left:48px;position:relative}
.framework ol li::before{content:counter(step);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--accent-soft);color:var(--accent);font-weight:700;font-size:.85rem;display:flex;align-items:center;justify-content:center}
.framework ol li strong{display:block;margin-bottom:3px}
.framework ol li span{color:var(--ink-soft);font-size:.94rem}
.note{background:var(--accent-soft);border-left:3px solid var(--accent);padding:14px 16px;border-radius:0 8px 8px 0;font-size:.9rem;color:var(--ink-soft);margin-top:24px}
.note strong{color:var(--ink)}

/* ---------- Option list (5 TSP options) ---------- */
.options{display:grid;gap:14px;counter-reset:opt}
.option{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:22px 24px;display:flex;gap:16px;align-items:flex-start}
.option .badge{flex:none;width:32px;height:32px;border-radius:8px;background:var(--accent-soft);color:var(--accent);font-weight:700;font-size:.86rem;display:flex;align-items:center;justify-content:center}
.option h3{margin-bottom:5px}
.option p{color:var(--ink-soft);font-size:.94rem}

/* ---------- FAQ ---------- */
.faq-list{display:grid;gap:10px}
details.faq{background:var(--card);border:1px solid var(--border);border-radius:12px;overflow:hidden}
details.faq summary{padding:18px 20px;cursor:pointer;font-weight:600;font-size:1rem;list-style:none;display:flex;justify-content:space-between;gap:14px;align-items:center}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";color:var(--accent);font-size:1.3rem;font-weight:400;flex:none}
details.faq[open] summary::after{content:"–"}
details.faq .a{padding:0 20px 18px;color:var(--ink-soft);font-size:.95rem}
details.faq .a p+p{margin-top:10px}

/* ---------- CTA band ---------- */
.cta-band{background:var(--ink);color:#F2F5F4;border-radius:var(--radius);padding:48px 32px;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#B9C6C3;max-width:52ch;margin:0 auto 26px}
.cta-band .btn-primary{background:var(--accent)}
.cta-band .fine{font-size:.78rem;color:#8FA09D;margin-top:18px}

/* ---------- Article / prose ---------- */
.article{padding:52px 0 64px}
.article .meta{font-size:.84rem;color:var(--ink-faint);margin-bottom:14px}
.article h1{font-family:var(--serif);font-size:clamp(1.8rem,4.4vw,2.6rem);line-height:1.16;font-weight:600;letter-spacing:-.02em;margin-bottom:18px}
.prose{font-size:1.03rem;color:#3A4746}
.prose > *+*{margin-top:18px}
.prose h2{font-size:1.5rem;margin-top:38px}
.prose h3{font-size:1.13rem;margin-top:26px}
.prose ul,.prose ol{padding-left:22px;color:#3A4746}
.prose li+li{margin-top:7px}
.prose strong{color:var(--ink)}
.prose blockquote{border-left:3px solid var(--accent);padding:4px 0 4px 18px;color:var(--ink-soft);font-style:italic}
.prose a{color:var(--accent);text-decoration:underline;text-underline-offset:2px}
.callout{background:var(--bg-alt);border:1px solid var(--border);border-radius:12px;padding:20px 22px;font-size:.95rem}
.callout strong{display:block;margin-bottom:6px}

/* ---------- Blog index ---------- */
.post-list{display:grid;gap:16px}
.post{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:26px;text-decoration:none;display:block;transition:border-color .15s,transform .15s}
.post:hover{border-color:var(--accent);transform:translateY(-2px)}
.post .meta{font-size:.8rem;color:var(--ink-faint);margin-bottom:8px}
.post h3{margin-bottom:7px}
.post p{color:var(--ink-soft);font-size:.94rem}
.post .more{color:var(--accent);font-size:.88rem;font-weight:600;margin-top:12px;display:inline-block}

/* ---------- Footer ---------- */
footer{background:var(--bg-alt);border-top:1px solid var(--border);padding:52px 0 34px;font-size:.87rem;color:var(--ink-soft)}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:32px;margin-bottom:32px}
.foot-grid h4{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--ink);margin-bottom:12px}
.foot-links{display:flex;flex-direction:column;gap:9px}
.foot-links a{color:var(--ink-soft);text-decoration:none}
.foot-links a:hover{color:var(--accent)}
.legal{border-top:1px solid var(--border);padding-top:24px;display:grid;gap:12px;font-size:.78rem;line-height:1.6;color:var(--ink-faint)}
.legal strong{color:var(--ink-soft)}

/* ---------- Responsive ---------- */
@media(max-width:900px){
  .grid-3{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr;gap:26px}
}
@media(max-width:700px){
  .nav-links{display:none}
  .hamburger{display:flex}
  .grid-3,.grid-2{grid-template-columns:1fr}
  .hero{padding:44px 0 40px}
  section{padding:48px 0}
  .foot-grid{grid-template-columns:1fr}
  .cta-band{padding:36px 22px}
  .framework{padding:24px 20px}
  .hero h1{max-width:none}
}