/* Golden IRA Insights - 2026 design system */
:root{
  --navy:#0f1f3d; --navy-2:#162b52; --navy-3:#1f3a6b;
  --gold:#c9a227; --gold-2:#b08d1f; --gold-3:#f3e4b3; --gold-soft:#fff8e6;
  --cream:#faf7f0; --paper:#ffffff; --ink:#1c2230; --ink-2:#4a5468; --ink-3:#6b7488;
  --line:#e6e1d5; --green:#1f7a4d; --green-soft:#e8f5ee; --red:#b3362b; --red-soft:#fbecea;
  --font:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;
  --serif:'Playfair Display',Georgia,'Times New Roman',serif;
  --r:12px; --r-sm:8px;
  --sh:0 6px 24px rgba(15,31,61,.08); --sh-2:0 12px 40px rgba(15,31,61,.14);
  --wrap:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font);color:var(--ink);background:var(--cream);line-height:1.7;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-3);text-decoration:underline;text-decoration-color:rgba(31,58,107,.35);text-underline-offset:3px}
a:hover{color:var(--gold-2)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:#000;padding:8px 12px;z-index:100}
.skip:focus{left:8px}
.small{font-size:.85rem}.muted{color:var(--ink-3)}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.2;font-weight:700}
h1{font-size:clamp(1.9rem,4.2vw,3rem);letter-spacing:-.01em}
h2{font-size:clamp(1.45rem,2.6vw,2rem);margin:2.4rem 0 1rem;scroll-margin-top:90px}
h3{font-size:1.2rem;margin:1.6rem 0 .6rem}
h4{font-size:1.05rem;margin:0 0 .6rem}
p,ul,ol{margin:0 0 1.1rem}
ul,ol{padding-left:1.4rem}
li{margin-bottom:.35rem}
strong{color:var(--navy)}
blockquote{border-left:4px solid var(--gold);background:var(--gold-soft);padding:1rem 1.2rem;margin:1.4rem 0;border-radius:0 var(--r-sm) var(--r-sm) 0}

/* topbar */
.topbar{background:var(--navy);color:#dfe6f3;font-size:.86rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px;padding-top:7px;padding-bottom:7px}
.topbar strong{color:var(--gold-3)}
.topbar a{color:var(--gold);font-weight:600;white-space:nowrap;text-decoration:none}

/* header */
.site-header{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(15,31,61,.06)}
.site-header__inner{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:var(--serif);font-weight:800;font-size:1.25rem;color:var(--navy);white-space:nowrap}
.brand em{font-style:normal;color:var(--gold)}
.brand img{width:48px;height:48px}
.site-nav ul{list-style:none;display:flex;gap:4px;margin:0;padding:0}
.site-nav a{display:block;padding:8px 12px;border-radius:8px;text-decoration:none;font-weight:500;color:var(--ink-2);font-size:.95rem;white-space:nowrap}
.site-nav a:hover,.site-nav a.active{background:var(--gold-soft);color:var(--navy)}
.nav-toggle{display:none}
.nav-burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
.nav-burger span{display:block;width:26px;height:3px;background:var(--navy);border-radius:2px}

/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 55%,#1b3566 100%);color:#fff;padding:48px 0 40px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,39,.35),transparent 65%);pointer-events:none}
.hero--home{padding:72px 0 64px}
.hero h1{color:#fff;max-width:900px}
.hero .kicker{color:var(--gold);text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:700;margin-bottom:.8rem}
.hero .lede{font-size:1.15rem;color:#d9e0ee;max-width:820px;margin:1rem 0 1.2rem}
.hero .updated{font-size:.85rem;color:#a9b5cd;margin:0}
.hero .updated a{color:#cfd8ea}
.hero .btn{margin:.4rem 12px .9rem 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0 0 14px;font-size:.84rem;color:#a9b5cd}
.crumbs li+li::before{content:"/";margin-right:6px;color:#6f7f9f}
.crumbs a{color:#cfd8ea}
.hero-stats{display:flex;flex-wrap:wrap;gap:12px;margin:1.4rem 0 .6rem}
.hero-stats div{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:10px;padding:10px 16px;min-width:150px}
.hero-stats strong{display:block;color:var(--gold-3);font-size:1.25rem;font-family:var(--serif)}
.hero-stats span{font-size:.8rem;color:#c3cde0}

/* layout */
.grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;padding-top:40px;padding-bottom:50px;align-items:start}
.content{min-width:0}
.content--wide{max-width:860px;margin:0 auto;padding:40px 0 50px}
.content>p:first-child{font-size:1.08rem}
.sidebar{position:sticky;top:86px}
.side-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:18px;margin-bottom:18px;box-shadow:var(--sh)}
.side-card--gold{border-color:var(--gold);background:linear-gradient(180deg,#fffdf6,#fff)}
.side-card__eyebrow{font-size:.74rem;text-transform:uppercase;letter-spacing:.12em;color:var(--gold-2);font-weight:700;margin-bottom:8px}
.side-banner{border-radius:8px;margin:0 auto 12px;box-shadow:var(--sh)}
.stat-list,.link-list{list-style:none;padding:0;margin:0 0 .6rem}
.stat-list li{display:flex;justify-content:space-between;gap:10px;padding:7px 0;border-bottom:1px dashed var(--line);font-size:.9rem}
.stat-list li span{color:var(--ink-3)}
.stat-list li strong{text-align:right;color:var(--navy)}
.link-list li{padding:5px 0;border-bottom:1px solid var(--line)}
.link-list li:last-child{border:0}
.link-list a{text-decoration:none;font-weight:500}

/* buttons */
.btn{display:inline-block;padding:12px 22px;border-radius:10px;font-weight:700;text-decoration:none;border:2px solid transparent;transition:.15s;line-height:1.3;text-align:center}
.btn--gold{background:var(--gold);color:#111;border-color:var(--gold)}
.btn--gold:hover{background:#d9b33a;color:#000;transform:translateY(-1px);box-shadow:var(--sh)}
.btn--ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn--ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn--outline{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn--outline:hover{background:var(--navy);color:#fff}
.btn--lg{font-size:1.08rem;padding:15px 30px}
.btn--block{display:block;width:100%}
.btn--sm{padding:8px 14px;font-size:.9rem}

/* CTA box */
.cta-box{background:linear-gradient(135deg,#fffbea,#fff3c9);border:1px solid #ead9a0;border-radius:var(--r);padding:22px 24px;margin:2rem 0;box-shadow:var(--sh)}
.cta-box__inner{display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta-box__text{flex:1 1 320px}
.cta-box__eyebrow{font-size:.74rem;text-transform:uppercase;letter-spacing:.12em;color:var(--gold-2);font-weight:700;margin:0 0 4px}
.cta-box h3{margin:0 0 .4rem}
.cta-box p{margin:0 0 .4rem}
.cta-box__fine{font-size:.78rem;color:var(--ink-3);margin:12px 0 0}

/* cards / grids */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin:1.4rem 0}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:var(--sh)}
.card .ico{width:44px;height:44px;border-radius:10px;background:var(--gold-soft);color:var(--gold-2);display:flex;align-items:center;justify-content:center;font-size:1.3rem;margin-bottom:10px;font-weight:800}
.card h3{margin:.2rem 0 .5rem;font-size:1.08rem}
.card p{margin:0;font-size:.95rem;color:var(--ink-2)}
.steps{counter-reset:s;list-style:none;padding:0;margin:1.4rem 0}
.steps li{counter-increment:s;position:relative;padding:0 0 1.4rem 64px;margin:0}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--gold-3);font-family:var(--serif);font-weight:700;font-size:1.3rem;display:flex;align-items:center;justify-content:center}
.steps li::after{content:"";position:absolute;left:22px;top:48px;bottom:0;width:2px;background:var(--line)}
.steps li:last-child::after{display:none}
.steps h3{margin:.3rem 0 .4rem}
.check{list-style:none;padding:0}
.check li{padding-left:30px;position:relative}
.check li::before{content:"\2713";position:absolute;left:0;top:0;color:var(--green);font-weight:800}
.cross{list-style:none;padding:0}
.cross li{padding-left:30px;position:relative}
.cross li::before{content:"\2715";position:absolute;left:0;top:0;color:var(--red);font-weight:800}
.callout{border:1px solid var(--line);border-left:5px solid var(--navy);background:var(--paper);padding:16px 20px;border-radius:0 var(--r-sm) var(--r-sm) 0;margin:1.4rem 0}
.callout--warn{border-left-color:var(--red);background:var(--red-soft)}
.callout--good{border-left-color:var(--green);background:var(--green-soft)}
.callout--gold{border-left-color:var(--gold);background:var(--gold-soft)}
.callout p:last-child{margin:0}
.kv{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;margin:1.2rem 0}
.kv div{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-sm);padding:12px 14px}
.kv span{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--ink-3)}
.kv strong{font-size:1.1rem;color:var(--navy)}

/* tables */
.tbl-wrap{overflow-x:auto;margin:1.4rem 0;border:1px solid var(--line);border-radius:var(--r);background:var(--paper);box-shadow:var(--sh)}
table{border-collapse:collapse;width:100%;font-size:.93rem;min-width:620px}
th,td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
th{background:var(--navy);color:#fff;font-weight:600;font-size:.85rem;letter-spacing:.03em}
tbody tr:nth-child(even){background:#fbfaf6}
tbody tr:hover{background:var(--gold-soft)}
td strong{white-space:nowrap}
.pill{display:inline-block;padding:2px 10px;border-radius:999px;font-size:.76rem;font-weight:700;letter-spacing:.03em}
.pill--gold{background:var(--gold);color:#111}
.pill--navy{background:var(--navy);color:#fff}
.pill--green{background:var(--green-soft);color:var(--green)}
.pill--grey{background:#eef0f4;color:var(--ink-2)}
.rating{color:var(--gold);letter-spacing:1px;font-size:1rem}
.rating b{color:var(--navy);font-size:.9rem;margin-left:6px}

/* company review cards */
.co{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:24px;margin:1.6rem 0;box-shadow:var(--sh);position:relative;scroll-margin-top:90px}
.co--top{border:2px solid var(--gold);background:linear-gradient(180deg,#fffdf4,#fff)}
.co__badge{position:absolute;top:-13px;left:24px}
.co__head{display:flex;justify-content:space-between;gap:14px;align-items:flex-start;flex-wrap:wrap;margin-bottom:8px}
.co__head h3{margin:0;font-size:1.4rem}
.co__meta{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:.9rem;color:var(--ink-2);margin:.6rem 0 1rem}
.co__meta b{color:var(--navy)}
.co__cols{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin:.8rem 0}
.co__cols h4{font-family:var(--font);font-size:.82rem;text-transform:uppercase;letter-spacing:.1em;color:var(--ink-3)}
.co__foot{display:flex;gap:12px;flex-wrap:wrap;align-items:center;margin-top:.8rem}
.verdict{background:var(--navy);color:#e4eaf6;padding:14px 18px;border-radius:var(--r-sm);margin:.8rem 0 0;font-size:.95rem}
.verdict strong{color:var(--gold-3)}

/* FAQ */
.faq{margin:1rem 0 1.6rem}
.faq__item{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-sm);margin-bottom:10px;padding:0 18px}
.faq__item summary{list-style:none;cursor:pointer;padding:14px 32px 14px 0;position:relative;display:block}
.faq__item summary::-webkit-details-marker{display:none}
.faq__item summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.5rem;color:var(--gold-2);font-weight:300}
.faq__item[open] summary::after{content:"\2212"}
.faq__item summary h3{margin:0;font-size:1.05rem;font-family:var(--font);font-weight:600;color:var(--navy)}
.faq__a{padding:0 0 16px;color:var(--ink-2);border-top:1px dashed var(--line);padding-top:12px}
.faq__a p:last-child{margin:0}

/* TOC */
.toc{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:16px 20px;margin:1.4rem 0}
.toc h4{font-family:var(--font);font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:var(--ink-3)}
.toc ol{columns:2;gap:24px;margin:0;padding-left:1.2rem;font-size:.93rem}
.toc a{text-decoration:none}

/* final CTA */
.final-cta{background:linear-gradient(135deg,var(--navy),#22407a);color:#fff;text-align:center;padding:60px 0}
.final-cta h2{color:#fff;margin:0 0 .6rem}
.final-cta p{max-width:720px;margin:0 auto 1.2rem;color:#d9e0ee}
.final-cta .small{color:#a9b5cd;margin-top:1rem}
.final-cta .small a{color:#cfd8ea}

/* footer */
.site-footer{background:#0a1529;color:#aab6cc;padding:50px 0 30px;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px}
.site-footer h4{color:#fff;font-family:var(--font);font-size:.85rem;text-transform:uppercase;letter-spacing:.12em}
.site-footer ul{list-style:none;padding:0}
.site-footer a{color:#cfd8ea;text-decoration:none}
.site-footer a:hover{color:var(--gold)}
.brand--footer{color:#fff;font-size:1.1rem;margin-bottom:10px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:20px}
.footer-bottom .small{color:#7f8ca6}

/* misc */
.author-box{display:flex;gap:16px;align-items:flex-start;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:18px;margin:2rem 0}
.author-box .av{width:56px;height:56px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:800;font-size:1.3rem;flex:none}
.author-box p{margin:0;font-size:.92rem;color:var(--ink-2)}
.related{margin:2rem 0 0}
.related ul{list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:10px}
.related li{margin:0}
.related a{display:block;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-sm);padding:12px 14px;text-decoration:none;font-weight:600;font-size:.93rem}
.related a:hover{border-color:var(--gold)}
.form{display:grid;gap:14px;max-width:620px}
.form label{font-weight:600;font-size:.9rem;color:var(--navy)}
.form input,.form textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font:inherit;background:#fff}
.form textarea{min-height:140px}
.price-bar{display:flex;gap:12px;flex-wrap:wrap;margin:1rem 0}
.price-bar div{flex:1 1 150px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-sm);padding:12px}
.price-bar strong{display:block;font-size:1.3rem;font-family:var(--serif);color:var(--navy)}
.price-bar span{font-size:.78rem;color:var(--ink-3)}

/* responsive */
@media (max-width:980px){
  .grid{grid-template-columns:1fr;gap:28px}
  .sidebar{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
  .co__cols{grid-template-columns:1fr}
  .toc ol{columns:1}
}
@media (max-width:1000px){
  .nav-burger{display:flex}
  .site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--sh-2)}
  .nav-toggle:checked ~ .site-nav{display:block}
  .site-nav ul{flex-direction:column;padding:8px 12px 14px}
  .site-nav a{padding:12px}
}
@media (max-width:760px){
  body{font-size:16px}
  .topbar .wrap{flex-direction:column;align-items:flex-start;gap:4px}
  .hero{padding:36px 0 30px}
  .hero--home{padding:44px 0 40px}
  .footer-grid{grid-template-columns:1fr}
  .cta-box__inner{flex-direction:column;align-items:stretch}
  .cta-box .btn{width:100%}
  .steps li{padding-left:56px}
  .side-banner{max-width:240px}
}