/* AskFERS — "Classic" look: white boxed panels, raised buttons, folder tabs, serif headings. */
:root {
  --navy: #14284b; --navy-2: #1f3a6b; --gold: #c9a24a; --gold-2: #e7d29c;
  --ink: #1d2433; --muted: #5b6475; --line: #d9d3c3; --paper: #fbfaf6; --bg: #f3f1ea; --panel: #ffffff;
  --ok: #1d7a46; --warn: #a15c00; --bad: #b3261e; --info: #1f5fa8;
  --serif: Georgia, 'Times New Roman', serif; --sans: -apple-system, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --radius: 6px; --shadow: 0 1px 0 rgba(0,0,0,.04), 0 2px 8px rgba(20,40,75,.07);
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 16px/1.55 var(--sans); }
h1, h2, h3, h4 { font-family: var(--serif); color: var(--navy); line-height: 1.2; margin: 0 0 .5em; }
h1 { font-size: clamp(30px, 5vw, 46px); } h2 { font-size: clamp(24px, 3.4vw, 32px); } h3 { font-size: 20px; }
p { margin: 0 0 1em; } a { color: var(--navy-2); } small, .muted { color: var(--muted); }
.wrap { max-width: 1160px; margin: 0 auto; padding: 0 16px; }
.tm { color: var(--gold); font-size: .55em; vertical-align: super; }

/* header */
.top { background: var(--navy); color: #fff; border-bottom: 3px solid var(--gold); position: sticky; top: 0; z-index: 50; }
.top .wrap { display: flex; align-items: center; gap: 18px; min-height: 62px; }
.logo { font: bold 24px var(--serif); color: #fff; text-decoration: none; white-space: nowrap; }
.nav { display: flex; gap: 4px; flex: 1; flex-wrap: wrap; }
.nav a { color: #dfe6f3; text-decoration: none; padding: 8px 10px; border-radius: 4px; font-size: 15px; }
.nav a:hover, .nav a.on { background: rgba(255,255,255,.1); color: #fff; }
.top .actions { display: flex; gap: 8px; align-items: center; }
.menu-btn { display: none; background: none; border: 1px solid rgba(255,255,255,.4); color: #fff; border-radius: 4px; padding: 6px 10px; font-size: 18px; }
@media (max-width: 860px) {
  .menu-btn { display: block; margin-left: auto; }
  .nav, .top .actions { display: none; }
  .top.open .wrap { flex-wrap: wrap; padding-bottom: 10px; }
  .top.open .nav, .top.open .actions { display: flex; flex-direction: column; width: 100%; }
}

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 6px; font: 600 15px var(--sans); padding: 10px 18px; border-radius: 5px;
  border: 1px solid #0d1c36; background: linear-gradient(#24427a, var(--navy)); color: #fff; text-decoration: none; cursor: pointer;
  box-shadow: inset 0 1px 0 rgba(255,255,255,.18), 0 2px 0 #0b1830; transition: transform .05s; }
.btn:active { transform: translateY(1px); box-shadow: inset 0 1px 0 rgba(255,255,255,.18), 0 1px 0 #0b1830; }
.btn.gold { background: linear-gradient(#dcb85e, var(--gold)); border-color: #9c7a2c; color: #1b1406; box-shadow: inset 0 1px 0 rgba(255,255,255,.4), 0 2px 0 #8a6a22; }
.btn.light { background: linear-gradient(#fff, #eeebe2); color: var(--navy); border-color: #c8c0aa; box-shadow: inset 0 1px 0 #fff, 0 2px 0 #c8c0aa; }
.btn.ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.5); box-shadow: none; }
.btn.danger { background: linear-gradient(#c8473f, var(--bad)); border-color: #7d1a15; box-shadow: 0 2px 0 #7d1a15; }
.btn.sm { padding: 6px 12px; font-size: 14px; }
.btn.block { width: 100%; }
.btn[disabled] { opacity: .55; cursor: not-allowed; }

/* panels */
.panel { background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 22px; }
.panel + .panel { margin-top: 18px; }
.panel h3 { border-bottom: 1px solid #eee7d6; padding-bottom: 8px; }
.grid { display: grid; gap: 18px; }
.g2 { grid-template-columns: repeat(2, minmax(0, 1fr)); } .g3 { grid-template-columns: repeat(3, minmax(0, 1fr)); } .g4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
@media (max-width: 900px) { .g3, .g4 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 620px) { .g2, .g3, .g4 { grid-template-columns: 1fr; } }

/* sections */
.hero { background: linear-gradient(180deg, var(--navy) 0%, #1b3463 100%); color: #fff; padding: 64px 0 72px; border-bottom: 3px solid var(--gold); }
.hero h1 { color: #fff; } .hero p.lead { font-size: 19px; color: #d8e1f0; max-width: 720px; }
.hero .cta { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 22px; }
.section { padding: 56px 0; } .section.alt { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.eyebrow { font: 700 12px var(--sans); letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin-bottom: 8px; }
.feature h3 { font-size: 18px; border: 0; padding: 0; } .feature .ico { font-size: 26px; margin-bottom: 6px; }
.stat { text-align: center; } .stat b { display: block; font: bold 30px var(--serif); color: var(--navy); }
ul.check { list-style: none; padding: 0; margin: 0; } ul.check li { padding: 5px 0 5px 26px; position: relative; }
ul.check li::before { content: '✓'; position: absolute; left: 2px; color: var(--ok); font-weight: 700; }

/* forms */
label { display: block; font-weight: 600; font-size: 14px; margin: 0 0 4px; color: #2b3345; }
.field { margin-bottom: 14px; }
input, select, textarea { width: 100%; font: 15px var(--sans); padding: 9px 11px; border: 1px solid #c9c2b0; border-radius: 4px; background: #fff; color: var(--ink);
  box-shadow: inset 0 1px 2px rgba(0,0,0,.06); }
input:focus, select:focus, textarea:focus { outline: 2px solid #9db5e0; border-color: var(--navy-2); }
input[type=checkbox], input[type=radio] { width: auto; box-shadow: none; }
.check-row { display: flex; gap: 8px; align-items: flex-start; font-weight: 400; }
.help { font-size: 13px; color: var(--muted); margin-top: 3px; }
.form-msg { padding: 10px 12px; border-radius: 4px; margin-bottom: 14px; font-size: 14px; display: none; }
.form-msg.show { display: block; } .form-msg.err { background: #fbe9e7; color: #7d1a15; border: 1px solid #f0c2bd; }
.form-msg.ok { background: #e7f4ec; color: #145c34; border: 1px solid #b9dfc8; }
.auth-box { max-width: 460px; margin: 48px auto; }

/* pricing */
.price-card { position: relative; display: flex; flex-direction: column; }
.price-card .amt { font: bold 42px var(--serif); color: var(--navy); } .price-card .amt small { font: 15px var(--sans); color: var(--muted); }
.price-card.pop { border: 2px solid var(--gold); }
.badge { display: inline-block; font: 700 11px var(--sans); text-transform: uppercase; letter-spacing: .08em; background: var(--gold); color: #1b1406; padding: 3px 8px; border-radius: 3px; }
.price-card .badge { position: absolute; top: -11px; left: 22px; }
.toggle { display: inline-flex; border: 1px solid var(--line); border-radius: 5px; overflow: hidden; background: #fff; }
.toggle button { border: 0; background: none; padding: 8px 16px; font: 600 14px var(--sans); cursor: pointer; color: var(--muted); }
.toggle button.on { background: var(--navy); color: #fff; }

/* tables */
table { border-collapse: collapse; width: 100%; font-size: 14px; }
th, td { padding: 8px 10px; border-bottom: 1px solid #ece6d6; text-align: left; vertical-align: top; }
th { background: #f6f3ea; color: var(--navy); font-weight: 700; } td.n, th.n { text-align: right; font-variant-numeric: tabular-nums; }
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 4px; background: #fff; }

/* misc */
.pill { display: inline-block; font-size: 12px; padding: 2px 8px; border-radius: 10px; background: #eef2f9; color: var(--navy-2); margin: 2px 4px 2px 0; }
.pill.gold { background: #f7efd9; color: #6b5114; } .pill.ok { background: #e3f3e9; color: #145c34; } .pill.bad { background: #fbe9e7; color: #7d1a15; }
.notice { background: #fff8e6; border: 1px solid #ecd9a3; padding: 12px 14px; border-radius: 4px; font-size: 14px; }
.foot { background: #0f1f3b; color: #b9c4d8; padding: 36px 0; font-size: 14px; margin-top: 40px; }
.foot a { color: #dfe6f3; } .foot .cols { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 24px; }
@media (max-width: 700px) { .foot .cols { grid-template-columns: 1fr 1fr; } }
.foot .fine { border-top: 1px solid #253a60; margin-top: 24px; padding-top: 16px; font-size: 12px; color: #8c99b3; }
.center { text-align: center; } .mt { margin-top: 18px; } .mb0 { margin-bottom: 0; }
details { border: 1px solid var(--line); border-radius: 4px; background: #fff; padding: 12px 16px; margin-bottom: 10px; }
details summary { cursor: pointer; font-weight: 600; color: var(--navy); }
.spinner { display: inline-block; width: 16px; height: 16px; border: 2px solid rgba(255,255,255,.4); border-top-color: #fff; border-radius: 50%; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }