/* IHT Planners LLP — shared site stylesheet
   Brand: dark navy base, gold accent, sans-serif wordmark
   Layout pattern reused from leisurefinance.org */

:root {
  --navy: #2F4858;
  --navy-dark: #1F313C;
  --navy-light: #5B7280;
  --gold: #B08D57;
  --gold-dark: #866A3F;
  --gold-deeper: #6F5734;
  --red: #C4302B;
  --amber: #C4791A;
  --green: #3F7A4E;
  --border: #DCE1E4;
  --bg-alt: #F7F8F9;
  --text: #2A2E31;
  --text-muted: #5B7280;
  --max-width: 1140px;
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); }

.wrap {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* ---------- Header ---------- */
header.site-header {
  border-bottom: 1px solid var(--navy-dark);
  position: sticky;
  top: 0;
  background: var(--navy-dark);
  z-index: 100;
}
.header-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.logo {
  font-weight: 800;
  font-size: 30px;
  letter-spacing: -0.02em;
  color: #fff;
  text-decoration: none;
}
.logo span { color: var(--gold); }
nav.main-nav { display: flex; align-items: center; gap: 24px; }
nav.main-nav a {
  text-decoration: none;
  color: #ffffff;
  font-size: 21px;
  font-weight: 500;
}
nav.main-nav a:hover { color: #CFAE7E; }
nav.main-nav a.nav-cta {
  background: var(--gold-dark);
  color: #fff;
  padding: 10px 18px;
  border-radius: 4px;
  font-weight: 600;
}
nav.main-nav a.nav-cta:hover { background: var(--gold-deeper); }

/* ---------- Hero ---------- */
.hero {
  padding: 72px 0 56px;
  background: linear-gradient(180deg, #F7F8F9 0%, #fff 100%);
}
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 13px;
  font-weight: 700;
  color: var(--gold-dark);
  margin: 0 0 12px;
}
.hero h1 {
  font-size: 44px;
  line-height: 1.12;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin: 0 0 20px;
  max-width: 820px;
}
.hero h1 em { color: var(--gold-dark); font-style: italic; }
.hero p.lead {
  font-size: 18px;
  color: var(--text-muted);
  max-width: 620px;
  margin: 0 0 28px;
}
.btn-row { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
.btn {
  display: inline-block;
  padding: 13px 24px;
  border-radius: 4px;
  font-weight: 600;
  font-size: 15px;
  text-decoration: none;
  cursor: pointer;
  border: none;
}
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-dark); }
.btn-secondary { background: #fff; color: var(--navy); border: 1.5px solid var(--border); }
.btn-secondary:hover { border-color: var(--navy); }

.stat-row {
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.stat-item .stat-num {
  font-size: 32px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
}
.stat-item .stat-label {
  font-size: 13.5px;
  color: var(--text-muted);
  margin-top: 4px;
}
.check-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 28px;
}
.check-row span {
  font-size: 14px;
  color: var(--text-muted);
}
.check-row span::before {
  content: "✓";
  color: var(--green);
  font-weight: 700;
  margin-right: 6px;
}

/* ---------- Section scaffolding ---------- */
section { padding: 64px 0; }
section.alt { background: var(--bg-alt); }
.section-head { max-width: 680px; margin-bottom: 40px; }
.section-head h2 {
  font-size: 30px;
  color: var(--navy);
  margin: 8px 0 14px;
  letter-spacing: -0.01em;
}
.section-head p { color: var(--text-muted); font-size: 16px; }

/* Card grid */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.card {
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 28px 24px;
  background: #fff;
}
.card h3 { color: var(--navy); font-size: 18px; margin: 0 0 10px; }
.card p { color: var(--text-muted); font-size: 14.5px; margin: 0 0 14px; }
.card a { font-size: 14px; font-weight: 600; color: var(--gold-dark); text-decoration: none; }

/* Numbered feature grid */
.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
.num-feature .num {
  font-size: 13px;
  font-weight: 800;
  color: var(--gold-dark);
  margin-bottom: 10px;
}
.num-feature h4, .num-feature h3 { color: var(--navy); font-size: 16px; margin: 0 0 8px; }
.num-feature p { color: var(--text-muted); font-size: 14px; margin: 0; }

/* Pill / tag grid */
.pill-grid { display: flex; flex-wrap: wrap; gap: 12px; }
.pill {
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 10px 20px;
  font-size: 14px;
  color: var(--navy);
  background: #fff;
}

/* CTA band */
.cta-band {
  background: var(--navy);
  color: #fff;
  text-align: center;
  padding: 56px 0;
}
.cta-band .eyebrow { color: #CFAE7E; }
.cta-band h2 { color: #fff; font-size: 28px; margin: 8px 0 26px; }
.cta-band .btn-primary { background: var(--gold-dark); }
.cta-band .btn-primary:hover { background: var(--gold-deeper); }

/* ---------- Footer ---------- */
footer.site-footer {
  background: var(--navy-dark);
  color: #C6CED3;
  padding: 48px 0 28px;
  font-size: 14px;
}
footer .footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 32px;
}
footer .footer-logo { color: #fff; font-weight: 800; font-size: 18px; margin-bottom: 10px; }
footer .footer-logo span { color: var(--gold); }
footer p.disclaimer { color: #93A0A8; font-size: 13px; line-height: 1.6; }
footer h5, footer .footer-head { color: #fff; font-size: 13px; text-transform: uppercase; letter-spacing: 0.06em; margin: 0 0 14px; }
footer ul { list-style: none; margin: 0; padding: 0; }
footer li { margin-bottom: 9px; }
footer ul.footer-address li { margin-bottom: 0; line-height: 1.6; }
footer .footer-head.footer-co { color: var(--gold); }
footer a { color: #C6CED3; text-decoration: none; font-size: 14px; }
footer a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid #33454F;
  padding-top: 22px;
  font-size: 12.5px;
  color: #A3AFB8;
}

/* ---------- Generic content page styles ---------- */
.page-hero {
  padding: 52px 0 40px;
  background: var(--bg-alt);
  border-bottom: 1px solid var(--border);
}
.page-hero h1 { font-size: 34px; color: var(--navy); margin: 8px 0 10px; }
.page-hero p { color: var(--text-muted); font-size: 16.5px; max-width: 700px; margin: 0; }

.prose { max-width: 760px; }
.prose h2 { color: var(--navy); font-size: 24px; margin: 40px 0 14px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { color: var(--navy); font-size: 18px; margin: 28px 0 10px; }
.prose p { font-size: 16px; color: var(--text); margin: 0 0 16px; }
.prose ul { padding-left: 22px; }
.prose li { margin-bottom: 8px; font-size: 16px; }
.prose table { width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 15px; }
.prose th, .prose td { text-align: left; padding: 10px 14px; border: 1px solid var(--border); }
.prose th { background: var(--bg-alt); color: var(--navy); }
.callout {
  background: #FBF3E9;
  border-left: 4px solid var(--gold);
  padding: 16px 20px;
  border-radius: 4px;
  font-size: 15px;
  margin: 24px 0;
}
.disclaimer-box {
  font-size: 12.5px;
  color: var(--text-muted);
  border-top: 1px solid var(--border);
  padding-top: 18px;
  margin-top: 40px;
  line-height: 1.6;
}

/* FAQ */
.faq-item { border-bottom: 1px solid var(--border); padding: 20px 0; }
.faq-item h3 { color: var(--navy); font-size: 16.5px; margin: 0 0 8px; }
.faq-item p { color: var(--text-muted); margin: 0; font-size: 15px; }

/* Contact form */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; }
.contact-form label { display: block; font-size: 14px; font-weight: 600; color: var(--navy); margin: 0 0 6px; }
.contact-form .field { margin-bottom: 18px; }
.contact-form input, .contact-form select, .contact-form textarea {
  width: 100%;
  padding: 11px 13px;
  border: 1.5px solid var(--border);
  border-radius: 4px;
  font-size: 15px;
  font-family: inherit;
}
.contact-details h3, .contact-details h2 { color: var(--navy); font-size: 16px; margin: 0 0 6px; }
.contact-details p { color: var(--text-muted); margin: 0 0 20px; }

/* ---------- Updates 3 Oct 2026 ---------- */
.logo { flex-shrink: 0; }
.logo img { height: 37px; width: auto; display: block; }
header.site-header .header-inner { max-width: 1240px; }
nav.main-nav a { white-space: nowrap; }
footer .footer-logo img { height: 22px; width: auto; display: block; }
.cta-band .btn { font-size: 21px; }

/* Homepage hero: full width, centred, half the spacing */
.hero { padding: 36px 0 28px; }
.hero-center { text-align: center; }
.hero-center h1 { max-width: none; }
.hero-center p.lead { max-width: 820px; margin-left: auto; margin-right: auto; }
.hero-center .btn-row { justify-content: center; margin-bottom: 20px; }

/* Homepage two-column section: chart (left) + calculator (right) */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: center; }
.split-left { text-align: center; }
.split-left h2 { font-size: 32px; line-height: 1.2; color: var(--navy); margin: 0 0 14px; letter-spacing: -0.01em; }
.split-left p { color: var(--text-muted); font-size: 16px; max-width: 520px; margin: 0 auto 20px; }
.split-left img { width: 100%; max-width: 432px; margin: 0 auto; border: 1px solid var(--border); border-radius: 6px; }
.split-left p.split-link { margin: 18px auto 0; }
.split-link a { color: var(--gold-dark); font-weight: 600; text-decoration: none; }
.section-head.center { max-width: none; text-align: center; }

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero h1 { font-size: 32px; }
  .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
  footer .footer-top { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  nav.main-nav { display: none; }
  .hero h1 { font-size: 27px; }
  .stat-row { gap: 24px; }
  .grid-3, .grid-4 { grid-template-columns: 1fr; }
  footer .footer-top { grid-template-columns: 1fr; }
  section { padding: 44px 0; }
}


/* Header fit at narrower widths (3 Oct 2026) */
@media (max-width: 1280px) {
  nav.main-nav { gap: 16px; }
  nav.main-nav a { font-size: 18px; }
  .logo img { height: 31px; }
}

/* Mobile/tablet menu button (3 Oct 2026) */
.nav-toggle { display: none; background: none; border: 0; padding: 8px; margin: -8px -8px -8px 0; cursor: pointer; }
.nav-toggle span { display: block; width: 26px; height: 3px; margin: 5px 0; background: #fff; border-radius: 2px; transition: transform 0.2s ease, opacity 0.2s ease; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }
.nav-toggle:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }

@media (max-width: 900px) {
  .split { grid-template-columns: 1fr; }
  .header-inner { flex-wrap: wrap; padding-top: 14px; padding-bottom: 14px; }
  .logo img { height: 30px; }
  .nav-toggle { display: block; }
  nav.main-nav { display: none; width: 100%; flex-direction: column; align-items: stretch; gap: 0; padding: 10px 0 4px; }
  nav.main-nav.open { display: flex; }
  nav.main-nav a { font-size: 18px; padding: 12px 2px; border-top: 1px solid #33454F; }
  nav.main-nav a.nav-cta { margin-top: 12px; padding: 12px; text-align: center; border-top: 0; }
}

/* Contact form messages (3 Oct 2026) */
.contact-form .form-note { font-size: 13px; color: var(--text-muted); margin: 12px 0 0; }
.contact-form .form-note a, .contact-form .form-error a { color: var(--gold-dark); }
.contact-form .form-error { font-size: 14px; color: var(--red); margin: 10px 0 0; }
.form-thanks { background: #F1F7F2; border-left: 4px solid var(--green); padding: 20px 22px; border-radius: 4px; }
.form-thanks h3, .form-thanks h2 { color: var(--green); margin: 0 0 6px; font-size: 18px; }
.form-thanks p { margin: 0; color: var(--text); }
.hp-field { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.contact-form select { background: #fff; color: inherit; }

/* Gold primary button (homepage hero) */
.btn-primary.btn-gold { background: var(--gold-dark); font-size: 21px; }
.btn-primary.btn-gold:hover { background: var(--gold-deeper); }
.btn.btn-lg { font-size: 21px; }

/* ---------- 15 Oct 2026: brand blue + gold-foil wordmark ---------- */
:root {
  --brand-blue: #1A1C39;
  --foil-flat: #BD9B16;
  --foil: linear-gradient(135deg, #9A7422 0%, #C59F3F 25%, #FEE9A7 50%, #DDB754 75%, #9A7422 100%);
}
header.site-header { background: var(--brand-blue); border-bottom-color: var(--brand-blue); }
footer.site-footer { background: var(--brand-blue); }

.wordmark { display: inline-block; font-weight: 800; font-size: 30px; letter-spacing: 0.02em; line-height: 1; white-space: nowrap; color: #fff; }
footer .footer-logo .wordmark { font-size: 24px; }
.logo .wordmark, .footer-logo .wordmark { color: #fff; }
.wordmark .foil, .logo .wordmark .foil, .footer-logo .wordmark .foil { color: var(--foil-flat); }

nav.main-nav a.nav-cta { background-color: var(--foil-flat); background-image: var(--foil); background-size: 200% auto; color: var(--brand-blue); transition: background-position 0.6s ease; }
nav.main-nav a.nav-cta:hover { background-color: var(--foil-flat); background-image: var(--foil); background-position: right center; color: var(--brand-blue); }

@supports ((-webkit-background-clip: text) or (background-clip: text)) {
  .wordmark .foil {
    background: var(--foil);
    background-size: 200% auto;
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    color: transparent;
    transition: background-position 0.6s ease;
  }
  a:hover .wordmark .foil { background-position: right center; }
}
@media (prefers-reduced-motion: reduce) {
  .wordmark .foil, nav.main-nav a.nav-cta { transition: none; }
}
@media (max-width: 1280px) { .logo .wordmark { font-size: 26px; } }
@media (max-width: 900px) { .logo .wordmark { font-size: 24px; } }

/* ---------- 15 Oct 2026, 11:00 round: logo +33%, gold-foil buttons, headings in brand blue ---------- */
:root {
  --foil-deep: linear-gradient(135deg, #6F5214 0%, #9A7422 30%, #BD9B16 50%, #9A7422 70%, #6F5214 100%);
}
.logo .wordmark { font-size: 40px; }
footer .footer-logo .wordmark { font-size: 32px; }
@media (max-width: 1280px) { .logo .wordmark { font-size: 34px; } }
@media (max-width: 900px) { .logo .wordmark { font-size: 32px; } }

/* Headings: slate to brand blue */
.hero h1,
.section-head h2,
.card h3,
.num-feature h4,
.num-feature h3,
.page-hero h1,
.prose h2,
.prose h3,
.faq-item h3,
.contact-details h3,
.contact-details h2,
.split-left h2,
#iht-calc-root.iht-calc h2 { color: var(--brand-blue); }

/* Gold accents on light backgrounds: deeper foil so it stays readable */
.hero h1 em, .eyebrow, .num-feature .num, .card a { color: #9A7422; }
@supports ((-webkit-background-clip: text) or (background-clip: text)) {
  .hero h1 em, .eyebrow, .num-feature .num {
    background: var(--foil-deep);
    -webkit-background-clip: text; background-clip: text;
    -webkit-text-fill-color: transparent; color: transparent;
    padding-right: 0.08em;
  }
  .cta-band .eyebrow { display: inline-block; background-image: var(--foil); background-size: 100% auto; -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
}

/* "Don't Leave It to the Chancellor" */
.cta-band .eyebrow { font-size: 26px; color: var(--foil-flat); }

/* Buttons: gold foil with brand-blue text */
.btn-primary, .cta-band .btn-primary,
#iht-calc-root.iht-calc .iht-submit, #iht-calc-root.iht-calc .iht-factsheet-submit, .iht-factsheet-submit {
  background-color: var(--foil-flat); background-image: var(--foil); background-size: 200% auto;
  color: var(--brand-blue); border: none; transition: background-position 0.6s ease;
}
.btn-primary:hover, .cta-band .btn-primary:hover,
#iht-calc-root.iht-calc .iht-submit:hover, #iht-calc-root.iht-calc .iht-factsheet-submit:hover, .iht-factsheet-submit:hover {
  background-color: var(--foil-flat); background-image: var(--foil); background-position: right center; color: var(--brand-blue);
}
.btn-secondary {
  color: var(--brand-blue); border: 2px solid transparent;
  background: linear-gradient(#fff, #fff) padding-box, var(--foil) border-box;
}
.btn-secondary:hover { background: linear-gradient(#FBF6E6, #FBF6E6) padding-box, var(--foil) border-box; border-color: transparent; }
@media (prefers-reduced-motion: reduce) {
  .btn-primary, #iht-calc-root.iht-calc .iht-submit, .iht-factsheet-submit { transition: none; }
}
/* Footer company heading in gold foil */
footer .footer-head.footer-co { color: var(--foil-flat); }
@supports ((-webkit-background-clip: text) or (background-clip: text)) {
  footer .footer-head.footer-co { display: inline-block; background-image: var(--foil); background-size: 100% auto; -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
}
/* CTA band: lighter shade of brand blue */
.cta-band { background: #2A2E5C; }