/* =========================================================
   INVESTMENT1.CSS — CLEAN + RESPONSIVE + NO DUPLICATES
   Bootstrap v5 friendly • Mobile/Tablet optimized
   Sections:
   0) Tokens
   1) Hero (hp-*)
   2) Shared components (sv-*)
   3) Help Cards (tints)
   4) Concerns + Compare
   5) Steps
   6) Form + Pick Chips
   7) Brand Backgrounds
   8) Responsive tweaks
========================================================= */


/* ---------------------------------------------------------
   0) TOKENS
--------------------------------------------------------- */
:root {
    /* Text */
    --sv-ink: #0f172a;
    --sv-muted: #5f7386;
    --sv-muted-2: #4b6475;
    /* Surfaces */
    --sv-border: rgba(28,28,28,.10);
    --sv-shadow: 0 18px 50px rgba(15,23,42,.12);
    /* Radius */
    --radius: 18px;
    --radius-lg: 22px;
    --pill: 999px;
    /* Motion */
    --t-fast: .15s ease;
    --t-med: .25s ease;
    /* CTA */
    --cta-blue: #0b6c97;
    --cta-blue-hover: #0a5f84;
}


/* ---------------------------------------------------------
   1) HERO (hp-*)
--------------------------------------------------------- */
.hp-hero {
    position: relative;
    overflow: hidden;
    isolation: isolate;
    padding: clamp(22px, 4vw, 60px);
}

.hc-hero__media {
    position: absolute;
    inset: 0;
    z-index: 0;
}

.hero-media,
.hero-bg {
    display: block;
    width: 100%;
    height: 100%;
}

.hero-media {
    position: absolute;
    inset: 0;
}

.hero-bg {
    object-fit: cover;
    object-position: center right;
    transform: scale(1.02);
    filter: saturate(1.05) contrast(1.03);
}

/* overlay layer */
.hc-hero__bg {
    position: absolute;
    inset: 0;
    z-index: 1;
    background: radial-gradient(900px 520px at 18% 18%, rgba(var(--brand-accent-rgb), .28) 0%, rgba(var(--brand-accent-rgb), 0) 60%), radial-gradient(900px 520px at 88% 35%, rgba(var(--brand-accent-rgb), .22) 0%, rgba(var(--brand-accent-rgb), 0) 62%), linear-gradient(135deg, rgba(204,223,217,.72) 0%, rgba(223,234,230,.60) 45%, rgba(210,231,224,.60) 100%), linear-gradient(90deg, rgba(8,18,26,.55) 0%, rgba(8,18,26,.38) 42%, rgba(8,18,26,.18) 70%, rgba(8,18,26,.05) 100%);
}

/* content above image + overlay */
.hc-hero__content {
    position: relative;
    z-index: 2;
}

/* pill */
.hp-pill {
    display: inline-flex;
    align-items: center;
    gap: .55rem;
    padding: .55rem .95rem;
    border-radius: 999px;
    background: rgba(255,255,255,.78);
    border: 1px solid rgba(222,31,38,.85);
    box-shadow: 0 10px 28px rgba(28,28,28,.06);
    font-weight: 700;
    font-size: .95rem;
    color: var(--sv-ink);
    max-width: 100%;
    line-height: 1.25;
    white-space: normal; /* allow wrap */
}

    .hp-pill i {
        color: var(--brand-red);
        font-size: 1rem;
        flex: 0 0 auto;
    }

.hp-pill__text {
    min-width: 0;
}

.hp-pill__muted {
    font-weight: 600;
    color: rgba(28,28,28,.70);
}
  

/* checklist item */
.hp-check {
    display: flex;
    align-items: center;
    gap: .55rem;
    font-weight: 600;
    /*color: var(--sv-muted-2);*/
}

    .hp-check i {
        color: var(--brand-red);
        font-size: 1rem;
    }

/* Tablet tweaks */
@media (max-width: 991.98px) {
    .hp-pill {
        font-size: .92rem;
        padding: .5rem .85rem;
    }
    .hp-hero {
        padding: 36px 24px;
    }
}

/* Mobile: keep it compact + readable */
@media (max-width: 575.98px) {
    .hp-hero {
        padding: 42px 10px 36px;
    }
    .hp-pill {
        padding: .55rem .85rem;
        gap: .5rem;
        font-size: .88rem;
    }

        .hp-pill i {
            font-size: .95rem;
        }
}

/* ---------------------------------------------------------
   2) SHARED COMPONENTS (sv-*)
--------------------------------------------------------- */

/* cards */
.sv-card,
.sv-card-hero {
    position: relative; /* required for overlays */
    overflow: hidden;
    border-radius: var(--radius);
    background: #fff;
    border: 1px solid var(--sv-border);
    box-shadow: var(--sv-shadow);
    transition: transform var(--t-med), box-shadow var(--t-med), border-color var(--t-med);
}

/* IMPORTANT: no padding here to avoid double padding with Bootstrap p-* utilities */
.sv-card {
    padding: 0;
}

    /* decorative hover overlay */
    .sv-card::before {
        content: "";
        position: absolute;
        inset: 0;
        opacity: 0;
        transition: opacity var(--t-med);
        pointer-events: none;
        background: radial-gradient(600px 240px at 12% 10%, rgba(147,168,172,.22) 0%, rgba(147,168,172,0) 60%), linear-gradient(135deg, rgba(147,168,172,.12) 0%, rgba(255,255,255,0) 58%);
    }

    .sv-card::after {
        content: "";
        position: absolute;
        inset: 0;
        border-radius: inherit;
        border: 1px solid rgba(147,168,172,0);
        opacity: 0;
        transition: opacity var(--t-med), border-color var(--t-med);
        pointer-events: none;
    }

/* hover */
@media (hover:hover) {
    .sv-card:hover,
    .sv-card:focus-within {
        transform: translateY(-4px);
        box-shadow: 0 18px 40px rgba(19,33,42,.12);
        border-color: rgba(147,168,172,.22);
    }

        .sv-card:hover::before,
        .sv-card:focus-within::before {
            opacity: 1;
        }

        .sv-card:hover::after,
        .sv-card:focus-within::after {
            opacity: 1;
            border-color: rgba(147,168,172,.28);
        }
}

/* icon box */
.sv-icon {
    width: 52px;
    height: 52px;
    flex: 0 0 52px;
    border-radius: 14px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: rgba(147,168,172,.14);
    border: 1px solid rgba(147,168,172,.28);
    transition: transform var(--t-med), background-color var(--t-med), border-color var(--t-med);
}

    .sv-icon i {
        font-size: 1.2rem;
        color: var(--brand-red);
    }

/* on card hover: lift icon slightly */
@media (hover:hover) {
    .sv-card:hover .sv-icon,
    .sv-card:focus-within .sv-icon {
        transform: translateY(-1px);
        background: rgba(147,168,172,.18);
        border-color: rgba(147,168,172,.34);
    }
}

/* links/labels inside cards */
.sv-card span.text-primary.fw-semibold,
.sv-card .sv-card-link {
    color: var(--brand-red) !important;
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-thickness: 2px;
}

/* list */
.sv-list {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    gap: 12px;
}

    .sv-list li {
        display: flex;
        align-items: flex-start;
        gap: .6rem;
        padding: 14px 16px;
        border-radius: 14px;
        background: rgba(28,28,28,.04);
        border: 1px solid var(--sv-border);
        font-weight: 600;
        color: var(--sv-muted-2);
    }

        .sv-list li i {
            color: var(--brand-red);
            font-size: 1rem;
            margin-top: .15rem;
        }

/* trust pill */
.sv-trust-pill {
    display: inline-flex;
    align-items: center;
    gap: .45rem;
    padding: .45rem .75rem;
    border-radius: var(--pill);
    background: rgba(255,255,255,.7);
    border: 1px solid var(--sv-border);
    font-weight: 600;
    font-size: .85rem;
    color: var(--sv-muted);
}

    .sv-trust-pill i {
        color: var(--brand-red);
        font-size: 1rem;
    }

/* split bar */
.sv-split-bar {
    height: 10px;
    border-radius: var(--pill);
    overflow: hidden;
    border: 1px solid var(--sv-border);
    background: rgba(15,23,42,.06);
    display: flex;
}

    .sv-split-bar .left {
        width: 56%;
        background: var(--brand-yellow);
    }

    .sv-split-bar .right {
        width: 44%;
        background: var(--brand-red);
    }

/* selectable chip */
.sv-chip {
    position: relative;
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    min-height: 40px; /* touch friendly */
    padding: .55rem .85rem;
    border-radius: var(--pill);
    border: 1px solid var(--sv-border);
    background: rgba(255,255,255,.75);
    font-weight: 600;
    font-size: .9rem;
    color: var(--sv-muted);
    cursor: pointer;
    user-select: none;
    transition: transform var(--t-fast), box-shadow var(--t-fast), border-color var(--t-fast), background-color var(--t-fast);
}

    .sv-chip input {
        position: absolute;
        opacity: 0;
        pointer-events: none;
    }

@media (hover:hover) {
    .sv-chip:hover {
        background: #fff;
        border-color: rgba(28,28,28,.18);
        box-shadow: 0 6px 16px rgba(15,23,42,.08);
        transform: translateY(-1px);
    }
}

.sv-chip:has(input:checked) {
    background: rgba(222,31,38,.10);
    border-color: rgba(222,31,38,.35);
    color: var(--sv-ink);
}

    .sv-chip:has(input:checked)::before {
        content: "";
        width: 8px;
        height: 8px;
        border-radius: var(--pill);
        background: var(--brand-red);
        box-shadow: 0 0 0 3px rgba(222,31,38,.18);
    }

.sv-chip input:disabled + span {
    opacity: .5;
    cursor: not-allowed;
}

/* right card text helpers */
.sv-feature-card {
    border-radius: calc(var(--radius) + 6px);
    background: #fff;
    border: 1px solid var(--sv-border);
    box-shadow: var(--sv-shadow);
}

.sv-feature-title {
    font-weight: 800;
    color: var(--sv-ink);
}

.sv-feature-sub {
    font-weight: 600;
    color: var(--sv-muted);
}


/* ---------------------------------------------------------
   3) HELP CARDS (tint overlays)
--------------------------------------------------------- */
.sv-card.is-retire::before {
    background: radial-gradient(620px 260px at 12% 12%, rgba(147,168,172,.28) 0%, rgba(147,168,172,0) 60%), linear-gradient(135deg, rgba(147,168,172,.18) 0%, rgba(255,255,255,0) 58%);
}

.sv-card.is-insurance::before {
    background: radial-gradient(620px 260px at 12% 12%, rgba(222,31,38,.18) 0%, rgba(222,31,38,0) 60%), linear-gradient(135deg, rgba(222,31,38,.10) 0%, rgba(255,255,255,0) 58%);
}

.sv-card.is-invest::before {
    background: radial-gradient(620px 260px at 12% 12%, rgba(254,205,7,.18) 0%, rgba(254,205,7,0) 60%), linear-gradient(135deg, rgba(254,205,7,.10) 0%, rgba(255,255,255,0) 58%);
}

.sv-card.is-custom::before {
    background: radial-gradient(620px 260px at 12% 12%, rgba(147,168,172,.18) 0%, rgba(147,168,172,0) 60%), linear-gradient(135deg, rgba(147,168,172,.10) 0%, rgba(255,255,255,0) 58%);
}


/* ---------------------------------------------------------
   4) CONCERNS + COMPARE
--------------------------------------------------------- */
.sv-concern {
    padding: 1.5rem;
}

.sv-tag {
    display: inline-flex;
    align-items: center;
    gap: .45rem;
    margin-top: .5rem;
    font-weight: 600;
    font-size: .85rem;
    color: var(--brand-red);
    background: rgba(222,31,38,.12);
    padding: .25rem .55rem;
    border-radius: 12px;
}

/* compare box */
.sv-compare {
    padding: 2.5rem 2rem;
    border-radius: calc(var(--radius) + 4px);
    background: #fff;
    border: 1px solid var(--sv-border);
    box-shadow: 0 14px 40px rgba(15,23,42,.10);
}

.sv-compare-head {
    font-weight: 700;
    padding: .75rem 1rem;
    border-radius: 12px;
    margin-bottom: 12px;
    display: flex;
    align-items: center;
    gap: .5rem;
}

    .sv-compare-head.bad {
        background: rgba(222,31,38,.12);
        color: var(--brand-red);
    }

    .sv-compare-head.good {
        background: rgba(147,168,172,.22);
        color: var(--sv-ink);
    }


.cs-kicker {
    letter-spacing: .14em;
    font-weight: 900;
    color: var(--brand-red);
}

/* ---------------------------------------------------------
   5) STEPS
--------------------------------------------------------- */
.inv-steps__wrap {
    position: relative;
    max-width: 1040px;
    margin-left: auto;
    margin-right: auto;
    padding: 1.25rem 0;
}

    .inv-steps__wrap::before {
        content: "";
        position: absolute;
        left: 12%;
        right: 12%;
        top: 114px;
        height: 2px;
        background: rgba(222,31,38,.35);
        border-radius: var(--pill);
        z-index: 0;
        opacity: .7;
    }

@media (max-width: 991.98px) {
    .inv-steps__wrap::before {
        display: none;
    }
}

.step-card {
    position: relative;
    z-index: 1;
    border-radius: var(--radius-lg);
    background: #fff;
    border: 1px solid rgba(19,33,42,.10);
    box-shadow: 0 12px 26px rgba(19,33,42,.08);
    padding: 2.1rem 1.5rem 1.4rem;
    text-align: center;
    transition: transform var(--t-med), box-shadow var(--t-med), border-color var(--t-med);
}

@media (hover:hover) {
    .step-card:hover {
        transform: translateY(-4px);
        box-shadow: 0 18px 40px rgba(19,33,42,.12);
        border-color: rgba(147,168,172,.22);
    }
}

.step-card__num {
    width: 62px;
    height: 62px;
    border-radius: var(--pill);
    display: grid;
    place-items: center;
    background: var(--brand-red);
    color: #fff;
    font-weight: 900;
    font-size: 1.3rem;
    position: absolute;
    left: 50%;
    top: 20px;
    transform: translateX(-50%);
    box-shadow: 0 16px 26px rgba(222,31,38,.20);
}

.step-card__icon {
    margin-top: 78px;
    display: grid;
    place-items: center;
    color: var(--brand-red);
}

    .step-card__icon i {
        font-size: 1.45rem;
    }

.step-card__title {
    margin: .8rem 0 .55rem;
    font-weight: 850;
    color: rgba(19,33,42,.92);
    font-size: 1.05rem;
}

.step-card__text {
    margin: 0 auto 1.1rem;
    max-width: 34ch;
    color: rgba(19,33,42,.62);
    font-weight: 600;
    font-size: .95rem;
    line-height: 1.65;
}

.step-card__tag {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: .35rem .8rem;
    border-radius: var(--pill);
    background: rgba(222,31,38,.10);
    border: 1px solid rgba(222,31,38,.18);
    color: rgba(19,33,42,.70);
    font-weight: 750;
    font-size: .82rem;
}

.inv-steps__cta {
    background: var(--cta-blue);
    color: #fff;
    border-radius: 14px;
    font-weight: 850;
    border: 1px solid transparent;
    box-shadow: 0 18px 30px rgba(11,108,151,.18);
    padding-left: 2.1rem !important;
    padding-right: 2.1rem !important;
}

    .inv-steps__cta:hover {
        background: var(--cta-blue-hover);
        color: #fff;
    }


/* ---------------------------------------------------------
   6) FORM + PICK CHIPS
--------------------------------------------------------- */
.inv-form-step {
    background: #f4f7f7;
}

.inv-form-step__trust .trust-mini {
    display: inline-flex;
    align-items: center;
    gap: .55rem;
    padding: .45rem .9rem;
    border-radius: var(--pill);
    background: rgba(255,255,255,.72);
    border: 1px solid rgba(255,255,255,.75);
    border: 1px solid var(--brand-red);
    color: rgba(19,33,42,.70);
    font-weight: 650;
    font-size: .92rem;
}

    .inv-form-step__trust .trust-mini i {
        color: var(--brand-red);
        font-size: 1.05rem;
    }

.inv-form-card {
    max-width: 620px;
    background: rgba(255,255,255,.86);
    border: 1px solid rgba(147,168,172,.22);
    border-radius: calc(var(--radius-lg) + 6px);
    box-shadow: 0 18px 55px rgba(19,33,42,.14);
    padding: 2rem 1.75rem 1.6rem;
    position: relative;
    overflow: hidden;
}

    .inv-form-card::before {
        content: "";
        position: absolute;
        inset: -120px;
        pointer-events: none;
        background: radial-gradient(820px 520px at 50% 25%, rgba(222,31,38,.10) 0%, rgba(222,31,38,0) 60%), radial-gradient(720px 420px at 85% 15%, rgba(147,168,172,.14) 0%, rgba(147,168,172,0) 60%), linear-gradient(180deg, rgba(255,255,255,.55) 0%, rgba(255,255,255,0) 70%);
        opacity: .9;
    }

    .inv-form-card > * {
        position: relative;
        z-index: 1;
    }

.inv-form-card__title {
    font-weight: 900;
    letter-spacing: -0.02em;
    color: var(--sv-ink);
    font-size: clamp(1.55rem, 2.8vw, 2.1rem);
    margin: 0;
}

.inv-form-card__sub {
    color: rgba(19,33,42,.60);
    font-weight: 600;
    margin-top: .4rem;
}

.pick-chip {
    position: relative;
    display: inline-flex;
    align-items: center;
    border-radius: 12px;
    padding: .7rem .95rem;
    background: #fff;
    border: 1px solid rgba(19,33,42,.18);
    color: rgba(19,33,42,.86);
    font-weight: 700;
    font-size: .92rem;
    cursor: pointer;
    user-select: none;
    transition: transform var(--t-fast), box-shadow var(--t-fast), border-color var(--t-fast), background-color var(--t-fast);
}

    .pick-chip input {
        position: absolute;
        opacity: 0;
        pointer-events: none;
    }

@media (hover:hover) {
    .pick-chip:hover {
        transform: translateY(-1px);
        box-shadow: 0 12px 20px rgba(19,33,42,.08);
        border-color: rgba(11,108,151,.28);
    }
}

.pick-chip:has(input:checked) {
    background: rgba(222,31,38,.10);
    border-color: rgba(222,31,38,.25);
    box-shadow: 0 12px 20px rgba(19,33,42,.06);
}


/* ---------------------------------------------------------
   7) BRAND BACKGROUNDS (no duplicates)
--------------------------------------------------------- */
.bg-brand {
    /* default = brand-blue tint */
    --brand-accent-rgb: 147,168,172;
    background: radial-gradient(900px 520px at 18% 18%, rgba(var(--brand-accent-rgb), .30) 0%, rgba(var(--brand-accent-rgb), 0) 60%), radial-gradient(900px 520px at 88% 35%, rgba(var(--brand-accent-rgb), .24) 0%, rgba(var(--brand-accent-rgb), 0) 62%), linear-gradient(135deg, rgba(204,223,217,.75) 0%, rgba(223,234,230,.65) 45%, rgba(210,231,224,.65) 100%);
    background-size: cover;
    background-repeat: no-repeat;
}

.bg-brand-default {
    --brand-accent-rgb: 147,168,172;
}

.bg-brand-red {
    --brand-accent-rgb: 222,31,38;
}

.bg-brand-yellow {
    --brand-accent-rgb: 254,205,7;
}

.bg-yellow {
    background: radial-gradient(900px 520px at 18% 18%, rgba(254, 205, 7, .30) 0%, rgba(254, 205, 7, 0) 60% ), radial-gradient( 900px 520px at 88% 35%, rgba(254, 205, 7, .24) 0%, rgba(254, 205, 7, 0) 62% ), linear-gradient( 135deg, rgba(255, 248, 210, .90) 0%, rgba(255, 250, 225, .80) 45%, rgba(255, 246, 205, .80) 100% );
    background-size: cover;
    background-repeat: no-repeat;
}

/* ---------------------------------------------------------
   8) RESPONSIVE TWEAKS
--------------------------------------------------------- */
@media (max-width: 575.98px) {
    .hp-h1 .accent {
        text-underline-offset: 7px;
        text-decoration-thickness: 3px;
    }

    .sv-card,
    .sv-card-hero {
        border-radius: 16px;
    }

    .sv-list li {
        padding: 12px 14px;
        gap: .55rem;
    }

    .sv-chip {
        font-size: .92rem;
        padding: .6rem .9rem;
    }

    .sv-icon {
        width: 46px;
        height: 46px;
        flex-basis: 46px;
        border-radius: 12px;
    }

        .sv-icon i {
            font-size: 1.1rem;
        }

    .sv-compare {
        padding: 1.5rem 1.1rem;
        border-radius: 18px;
    }

    /* full-width large CTAs on phones */
    .inv-steps__cta,
    .btn.btn-lg {
        width: 100%;
    }
}

/* Steps tighten on mobile/tablet */
@media (max-width: 767.98px) {
    .inv-steps__wrap {
        padding: .5rem 0;
    }

    .step-card {
        padding: 1.85rem 1.15rem 1.15rem;
        border-radius: 18px;
    }

    .step-card__num {
        width: 54px;
        height: 54px;
        font-size: 1.15rem;
        top: 16px;
    }

    .step-card__icon {
        margin-top: 70px;
    }

    .step-card__text {
        max-width: 46ch;
    }
}

/* Prevent hover jump on touch devices */
@media (hover:none) {
    .sv-card:hover,
    .sv-card:focus-within {
        transform: none;
    }
}