/* ============================================================
   Settle — brand stylesheet
   Settle Financial Services Limited · settlefinance.nz
   Palette: Ink #1B2A4A · Clay #D9764A · Paper #FBF8F3
            Sage #3E7C63 · Stone #8A7E6B
   ============================================================ */

:root{
  --ink:#1B2A4A;
  --ink-2:#26365a;
  --clay:#D9764A;
  --clay-dark:#C1502A;
  --paper:#FBF8F3;
  --paper-2:#F1ECE3;
  --sage:#3E7C63;
  --sage-bg:#EAF1EC;
  --stone:#8A7E6B;
  --line:#E7DFD3;
  --field:#DDD3C4;
  --warn-bg:#F8EEEA;
  --ink-soft:#5a5346;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  background:var(--paper);
  color:var(--ink);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
a{color:var(--clay-dark);}
img{max-width:100%;}

/* ---- layout ---- */
.wrap{max-width:920px;margin:0 auto;padding:0 20px;}
.section{padding:44px 0;}
.section + .section{border-top:1px solid var(--line);}

/* ---- header / nav ---- */
header.site{background:var(--ink);color:var(--paper);}
header.site .bar{display:flex;align-items:center;justify-content:space-between;padding:16px 20px;max-width:920px;margin:0 auto;flex-wrap:wrap;gap:12px;}
.brand{font-size:26px;font-weight:800;letter-spacing:-0.8px;color:var(--paper);text-decoration:none;}
.brand .dot{color:var(--clay);}
nav.site a{color:var(--paper);opacity:0.8;text-decoration:none;font-size:14px;font-weight:500;margin-left:20px;}
nav.site a:hover{opacity:1;}
nav.site a.cta{background:var(--clay);opacity:1;padding:8px 16px;border-radius:8px;font-weight:600;}

/* ---- hero ---- */
.hero{background:var(--ink);color:var(--paper);padding:56px 0 64px;}
.hero h1{font-size:40px;line-height:1.15;letter-spacing:-1px;margin:0 0 14px;font-weight:800;}
.hero p{font-size:18px;opacity:0.82;max-width:600px;margin:0 0 24px;}
.hero .actions a{display:inline-block;text-decoration:none;font-weight:600;font-size:15px;padding:12px 22px;border-radius:9px;margin:0 10px 10px 0;}
.hero .actions a.primary{background:var(--clay);color:var(--paper);}
.hero .actions a.secondary{background:transparent;color:var(--paper);border:1px solid rgba(251,248,243,0.35);}

/* ---- headings ---- */
h2{font-size:26px;letter-spacing:-0.4px;margin:0 0 6px;}
.lead{color:var(--ink-soft);font-size:16px;margin:0 0 24px;max-width:640px;}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--stone);margin-bottom:8px;}

/* ---- cards ---- */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px;}
.card h3{margin:0 0 6px;font-size:17px;}
.card p{margin:0;font-size:14px;color:var(--ink-soft);}

/* ---- steps (numbered) ---- */
.steps{counter-reset:step;display:grid;gap:14px;}
.step{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px 18px 64px;position:relative;}
.step::before{
  counter-increment:step;content:counter(step);
  position:absolute;left:18px;top:18px;width:32px;height:32px;border-radius:50%;
  background:var(--ink);color:var(--paper);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:15px;
}
.step h3{margin:0 0 4px;font-size:16px;}
.step p{margin:0;font-size:14px;color:var(--ink-soft);}

/* ---- checklist ---- */
.checklist{background:#fff;border:1px solid var(--line);border-radius:12px;padding:8px 20px;}
.checklist label{display:flex;align-items:flex-start;gap:12px;padding:12px 0;border-bottom:1px solid var(--line);font-size:15px;cursor:pointer;}
.checklist label:last-child{border-bottom:none;}
.checklist input{margin-top:4px;width:18px;height:18px;accent-color:var(--clay);flex-shrink:0;}
.checklist .sub{display:block;font-size:13px;color:var(--stone);margin-top:2px;}

/* ---- callout ---- */
.callout{background:var(--sage-bg);border:1px solid #cfe0d4;border-left:4px solid var(--sage);border-radius:8px;padding:14px 16px;font-size:14px;margin:18px 0;}
.callout.clay{background:var(--warn-bg);border-color:#e6cabc;border-left-color:var(--clay);}

/* ---- calculators ---- */
.calc-tabs{display:flex;flex-wrap:wrap;gap:4px;margin-bottom:18px;border-bottom:1px solid var(--line);}
.calc-tab{background:none;border:none;color:var(--ink);opacity:0.5;font-size:14px;font-weight:500;padding:9px 14px;cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-1px;}
.calc-tab:hover{opacity:0.8;}
.calc-tab.active{opacity:1;font-weight:700;border-bottom:2px solid var(--clay);}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px;}
.calc-lbl{font-size:13px;display:block;color:var(--ink);}
.calc-in{width:100%;margin-top:4px;padding:9px;border-radius:6px;border:1px solid var(--field);background:#fff;color:var(--ink);font-size:15px;}
.calc-in:focus{outline:none;border-color:var(--clay);box-shadow:0 0 0 2px rgba(217,118,74,0.15);}
.calc-result{background:var(--ink);color:var(--paper);border-radius:10px;padding:16px;}
.calc-res-label{font-size:12px;opacity:0.7;}
.calc-res-big{font-size:26px;font-weight:700;color:var(--paper);}
.calc-note{border-radius:10px;padding:12px 14px;margin-top:12px;font-size:13px;background:var(--paper-2);color:var(--ink-soft);}
.ks-box{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;margin-bottom:14px;}
.ks-box label{display:block;font-size:13px;margin-bottom:6px;}
.calc-why{font-size:12.5px;color:var(--ink-soft);margin-top:12px;line-height:1.6;padding-left:2px;}
.calc-why strong{color:var(--ink);}
.calc-handoff{font-size:13px;margin-top:10px;padding:10px 14px;border-radius:10px;background:var(--sage-bg);border:1px solid #cfe0d4;color:var(--ink);}
.calc-handoff a{color:var(--clay-dark);font-weight:600;text-decoration:none;}
.calc-handoff a:hover{text-decoration:underline;}

/* ---- footer ---- */
footer.site{background:var(--ink);color:var(--paper);padding:32px 0;font-size:13px;}
footer.site .wrap{opacity:0.75;}
footer.site a{color:var(--paper);}
.disclaimer{font-size:11px;color:var(--stone);margin-top:16px;line-height:1.6;}

/* ---- responsive ---- */
@media (max-width:640px){
  .hero h1{font-size:30px;}
  .calc-grid{grid-template-columns:1fr;}
  nav.site a{margin-left:14px;font-size:13px;}
  .hero .actions a{display:block;margin:0 0 10px;text-align:center;}
}