/* Loving Phoenix Team | Greg Slaughter | 55+ Community Guides (draft) */
:root{
  --navy:#0b2545; --navy2:#13315c; --ink:#111; --paper:#fff; --cream:#fbf7ef;
  --gold:#f2b705; --gold-dark:#c99700; --line:#c9c9c9; --muted:#333; --link:#0a3d91;
}
*{box-sizing:border-box}
html{font-size:20px}
@media (max-width:600px){html{font-size:19px}}
body{margin:0;font-family:Verdana,"Segoe UI",Tahoma,Arial,sans-serif;line-height:1.65;color:var(--ink);background:var(--paper)}
a{color:var(--link);text-decoration:underline;text-underline-offset:3px}
a:focus,button:focus{outline:4px solid var(--gold);outline-offset:3px}
.skip{position:absolute;left:-9999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.5rem;z-index:99}
.wrap{max-width:1100px;margin:0 auto;padding:0 1.1rem}
/* Header */
.topbar{background:var(--navy);color:#fff;font-size:.9rem}
.topbar .wrap{display:flex;flex-wrap:wrap;gap:.4rem 1.5rem;justify-content:flex-end;padding:.45rem 1.1rem}
.topbar a{color:#fff;font-weight:bold}
header.site{background:#fff;border-bottom:4px solid var(--gold)}
header.site .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:.8rem;padding:.9rem 1.1rem}
.brand{display:flex;align-items:center;gap:.8rem;text-decoration:none;color:var(--ink)}
.realmark{display:inline-flex;align-items:center;justify-content:center;width:3.1rem;height:3.1rem;border-radius:.4rem;background:#000;color:#fff;font-weight:bold;font-size:1.15rem;letter-spacing:.02em;font-family:Arial,Helvetica,sans-serif}
.brand .team{font-size:1.15rem;font-weight:bold;line-height:1.2}
.brand .agent{display:block;font-size:.9rem;font-weight:normal;color:var(--muted)}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.3rem .9rem}
nav.main a{display:inline-block;padding:.35rem .2rem;font-weight:bold;color:var(--navy);font-size:.95rem}
/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 60%,#1d4e89 100%);color:#fff;padding:2.6rem 0 2.8rem}
.hero h1{font-size:2.2rem;line-height:1.2;margin:.2rem 0 .8rem}
.hero p.lead{font-size:1.2rem;max-width:46rem;margin:0 0 1.4rem}
.hero .eyebrow{font-size:.95rem;text-transform:uppercase;letter-spacing:.08em;color:var(--gold);font-weight:bold}
.hero a{color:#fff}
@media (max-width:600px){.hero h1{font-size:1.7rem}}
/* Buttons */
.btn{display:inline-block;background:var(--gold);color:#000 !important;font-weight:bold;text-decoration:none;padding:.85rem 1.4rem;border-radius:.45rem;border:3px solid var(--gold);font-size:1.05rem;margin:.3rem .5rem .3rem 0;min-height:48px}
.btn:hover{background:#ffd23f}
.btn.outline{background:transparent;color:#fff !important;border-color:#fff}
.btn.outline:hover{background:rgba(255,255,255,.12)}
.btn.dark{background:var(--navy);border-color:var(--navy);color:#fff !important}
.btn.dark:hover{background:var(--navy2)}
/* Sections */
main section{padding:2.2rem 0}
main section.alt{background:var(--cream)}
h2{font-size:1.65rem;color:var(--navy);line-height:1.25;margin:0 0 .8rem}
h3{font-size:1.25rem;color:var(--navy);margin:1.4rem 0 .5rem}
.grid{display:grid;gap:1.2rem;grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.card{border:2px solid var(--line);border-radius:.6rem;padding:1.2rem 1.3rem;background:#fff}
.card h3{margin-top:0}
.card a.more{font-weight:bold}
.factbox{border-left:8px solid var(--gold);background:var(--cream);padding:1rem 1.3rem;border-radius:.3rem}
.notice{background:#fff4cc;border:2px solid var(--gold-dark);padding:1rem 1.2rem;border-radius:.4rem;font-size:.95rem}
.ph{display:flex;align-items:center;justify-content:center;min-height:220px;border:3px dashed #555;border-radius:.6rem;background:repeating-linear-gradient(45deg,#eef2f7,#eef2f7 14px,#e2e8f0 14px,#e2e8f0 28px);color:#222;font-weight:bold;text-align:center;padding:1rem;font-size:.95rem}
/* Tables */
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:2px solid var(--navy);border-radius:.4rem}
table{border-collapse:collapse;width:100%;min-width:1050px;font-size:.92rem;background:#fff}
th,td{border:1px solid var(--line);padding:.6rem .7rem;text-align:left;vertical-align:top}
thead th{background:var(--navy);color:#fff;position:sticky;top:0}
tbody tr:nth-child(even){background:#f4f6fa}
table.facts{min-width:0}
table.facts th{width:34%;background:#eef2f7;color:var(--ink)}
/* CTA band */
.cta-band{background:var(--navy);color:#fff;padding:2rem 0}
.cta-band h2{color:#fff}
.cta-band p{font-size:1.1rem}
/* Sources */
.sources{font-size:.9rem}
.sources li{margin:.3rem 0;word-break:break-word}
/* Footer */
footer.site{background:#0a0a0a;color:#f1f1f1;padding:2rem 0;font-size:.95rem}
footer.site a{color:#ffd23f}
footer.site .cols{display:grid;gap:1.2rem;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
footer.site .disclosure{border-top:1px solid #444;margin-top:1.4rem;padding-top:1rem;font-size:.85rem;color:#ddd}
.crumbs{font-size:.9rem;padding:.7rem 0}
ul.check{padding-left:1.3rem} ul.check li{margin:.35rem 0}

/* Greg's tip callout */
.greg-tip{border:4px solid var(--navy);border-left-width:12px;background:#eef4ff;border-radius:.5rem;padding:1rem 1.3rem;margin:1.3rem 0}
.greg-tip .tip-label{margin:0 0 .4rem;font-weight:bold;color:var(--navy);font-size:1.1rem}
.greg-tip p{margin:.4rem 0}
.faq details{border:2px solid var(--line);border-radius:.5rem;padding:.8rem 1.1rem;margin:.7rem 0;background:#fff}
.faq summary{font-weight:bold;color:var(--navy);cursor:pointer;font-size:1.05rem}
.faq details[open] summary{margin-bottom:.5rem}
/* --- Oct 2026: calculator, compare, newsletter, events --- */
.btn.small{padding:.55rem 1rem;font-size:1rem;min-height:44px}
.btn.outline-alt{background:transparent;border-color:var(--navy);color:var(--navy) !important}
.calc-wrap{font-size:1.15rem}
.calc-form{display:grid;gap:.5rem;max-width:640px;margin-bottom:1.5rem}
.calc-form label{font-weight:bold;font-size:1.2rem;color:var(--navy)}
.calc-form select,.calc-form input{font-size:1.25rem;padding:.7rem;border:2px solid var(--navy);border-radius:.4rem;min-height:52px;width:100%;box-sizing:border-box}
.calc-form .help{margin:0 0 .6rem;font-size:1rem;color:var(--muted)}
.calc-result h2{margin-top:1rem}
table.calc td,table.calc th{font-size:1.1rem}
table.calc tr.total th,table.calc tr.total td{font-weight:bold;background:#fff4cc;border-top:3px solid var(--navy)}
.calc-link{margin:1rem 0}
table.compare th[scope=col]{background:var(--navy);color:#fff}
table.compare th[scope=col] a{color:#ffd23f}
.newsletter{border-top:4px solid var(--gold)}
.news-comm{border-bottom:1px solid var(--line)}
.news-comm h2 small{font-size:1rem;color:var(--muted);font-weight:normal}
.card.event{margin-bottom:1rem}
.card.event .src{font-size:.95rem}
p.jump a{display:inline-block;margin:.2rem .1rem;font-weight:bold}
ol.ranked{padding-left:1.2rem}
ol.ranked li{list-style:none;margin:0 0 1.2rem;padding:1rem;border:1px solid var(--line);border-radius:.5rem;background:#fff}
ol.ranked h3{margin:0 0 .4rem}
.lead-answer{font-size:1.2rem;background:var(--cream);border-left:6px solid var(--gold);padding:1rem 1.2rem}
ul.ask-list li{font-size:1.2rem;margin:.5rem 0}
caption{font-weight:bold;text-align:left;padding:.4rem 0}
/* ---- photos ---- */
.hero-photo{position:relative;overflow:hidden;background:#0b1f3a;padding:5rem 0 5.5rem;min-height:30rem}
.hero-photo picture,.hero-photo .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 40%}
.hero-photo::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,rgba(8,22,44,.86) 0%,rgba(8,22,44,.58) 45%,rgba(8,22,44,.12) 100%)}
.hero-photo .wrap{position:relative;z-index:2}
.hero-photo h1,.hero-photo p.lead,.hero-photo .eyebrow{text-shadow:0 1px 3px rgba(0,0,0,.6)}
@media (max-width:700px){.hero-photo{padding:3rem 0 3.4rem;min-height:0}.hero-photo::before{background:linear-gradient(180deg,rgba(8,22,44,.55) 0%,rgba(8,22,44,.80) 100%)}}
.photo-banner{margin:1.6rem 0 0}
.photo-banner img{display:block;width:100%;height:auto;max-height:420px;object-fit:cover;border-radius:12px}
.photo-pair{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:0 0 1.4rem}
.photo-card{margin:0}
.photo-card img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover;border-radius:12px}
@media (max-width:600px){.photo-pair{grid-template-columns:1fr}}
.photo-credit{font-size:.8rem;opacity:.85}
/* ---- batch 3 ---- */
.side-photo figcaption,.photo-card figcaption{font-size:.8rem;color:#555;margin-top:.3rem}
.gallery{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}
@media (max-width:700px){.gallery{grid-template-columns:1fr}}
.tools-links{margin-top:1.4rem;line-height:1.9}
.quiz-q{margin:0 0 1rem;border:1px solid #ccd}
.quiz-q label{display:inline-block;padding:.35rem 0;cursor:pointer}
.quiz-q input{transform:scale(1.25);margin-right:.4rem}
.quiz-res li{margin:.4rem 0}
table.cal{width:100%;table-layout:fixed;border-collapse:collapse}
table.cal th,table.cal td{border:1px solid #ccd;vertical-align:top;height:4.2rem;padding:.25rem;font-size:.85rem}
table.cal td.has-ev{background:#fff6d6}
table.cal .dnum{display:block;font-weight:bold}
table.cal td a{display:block;font-size:.78rem;line-height:1.25}
.evlist li{margin:.5rem 0}
.btn.outline-light{background:transparent;border:2px solid #fff;color:#fff !important}
table.cal thead th{height:auto;padding:.4rem}

/* =================== DESIGN v2 (Oct 2026): sunset palette, serif/sans pairing =================== */
@font-face{font-family:"Source Serif 4";src:url(fonts/source-serif-4-head.woff2) format("woff2");font-weight:600 700;font-style:normal;font-display:swap}
:root{
  --navy:#14213d; --navy2:#1f2f52; --ink:#1d1d1f; --paper:#fffdf9; --cream:#faf4ea; --sand:#f3e7d6;
  --gold:#e9a23b; --gold-dark:#b8741a; --terra:#c4553a; --dusk:#5b3a55; --line:#e6dccd; --muted:#4a4a4f; --link:#a3401f;
  --radius:14px; --shadow:0 1px 2px rgba(20,33,61,.06),0 8px 24px rgba(20,33,61,.08); --shadow-lg:0 2px 4px rgba(20,33,61,.08),0 18px 40px rgba(20,33,61,.14);
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif; --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
html{font-size:19px}
@media (max-width:600px){html{font-size:18px}}
body{font-family:var(--sans);background:var(--paper);color:var(--ink);line-height:1.7;-webkit-font-smoothing:antialiased}
h1,h2,h3,.brand .team{font-family:var(--serif);font-weight:700;letter-spacing:-.01em}
h2{font-size:1.85rem;color:var(--navy);margin:0 0 1rem}
h3{font-size:1.3rem;color:var(--navy)}
a{color:var(--link);text-decoration-thickness:1px}
a:hover{color:var(--terra)}
a:focus-visible,button:focus-visible,.btn:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.wrap{max-width:1160px;padding:0 1.4rem}
main section{padding:3.2rem 0}
@media (max-width:700px){main section{padding:2.2rem 0}}
main section.alt{background:var(--cream)}
/* header + nav */
.topbar{background:var(--navy);font-size:.82rem;letter-spacing:.01em}
.topbar a{font-weight:600}
header.site{background:rgba(255,253,249,.97);border-bottom:1px solid var(--line);box-shadow:0 1px 0 rgba(20,33,61,.03);position:sticky;top:0;z-index:50;backdrop-filter:saturate(1.2) blur(6px)}
header.site .wrap{padding:.75rem 1.4rem}
.realmark{border-radius:10px;width:2.7rem;height:2.7rem;font-size:1rem}
.brand .team{font-size:1.2rem;color:var(--navy)}
.brand .agent{font-size:.8rem;color:var(--muted);font-family:var(--sans);font-weight:400;letter-spacing:.01em}
nav.main ul{gap:.15rem .25rem}
nav.main a{font-weight:600;font-size:.86rem;color:var(--navy);text-decoration:none;padding:.45rem .65rem;border-radius:999px;transition:background .15s,color .15s}
nav.main a:hover{background:var(--sand);color:var(--terra)}
@media (max-width:900px){header.site{position:static}nav.main ul{overflow-x:auto;flex-wrap:nowrap;-webkit-overflow-scrolling:touch;padding-bottom:.3rem;scrollbar-width:none}nav.main ul::-webkit-scrollbar{display:none}nav.main li{flex:0 0 auto}nav.main a{background:var(--cream)}header.site .wrap{flex-direction:column;align-items:flex-start}}
.crumbs{font-size:.82rem;color:var(--muted);padding:.8rem 1.4rem}
.crumbs a{color:var(--muted)}
/* hero */
.hero{background:radial-gradient(120% 140% at 85% 110%,rgba(233,162,59,.38) 0%,rgba(196,85,58,.22) 28%,rgba(91,58,85,0) 60%),linear-gradient(135deg,#14213d 0%,#2a2f55 55%,#5b3a55 100%);padding:3.4rem 0 3.6rem}
.hero h1{font-size:2.6rem;line-height:1.15;margin:.3rem 0 .9rem;max-width:22em}
.hero p.lead{font-size:1.15rem;opacity:.95;max-width:42rem}
.hero .eyebrow{font-family:var(--sans);font-size:.78rem;letter-spacing:.14em;color:#f6c46e;font-weight:700}
@media (max-width:600px){.hero{padding:2.4rem 0 2.6rem}.hero h1{font-size:1.85rem}}
.hero-photo{padding:6rem 0 6.5rem;min-height:34rem}
.hero-photo::before{background:linear-gradient(90deg,rgba(20,33,61,.88) 0%,rgba(42,47,85,.62) 45%,rgba(91,58,85,.15) 100%)}
@media (max-width:700px){.hero-photo{padding:3.2rem 0 3.6rem;min-height:0}.hero-photo::before{background:linear-gradient(180deg,rgba(20,33,61,.62) 0%,rgba(20,33,61,.85) 100%)}}
.hero.has-banner{padding-bottom:5.2rem}
/* banners */
.banner-wrap{margin-top:-3.2rem;position:relative;z-index:3}
.photo-banner.page-banner{margin:0}
.photo-banner img,.photo-card img{border-radius:var(--radius);box-shadow:var(--shadow-lg)}
.photo-banner.page-banner img{aspect-ratio:1200/440;max-height:none;object-fit:cover}
@media (max-width:600px){.banner-wrap{margin-top:-2rem}}
/* buttons */
.btn{background:var(--gold);border:2px solid var(--gold);color:#1d1406 !important;font-weight:700;font-size:.98rem;letter-spacing:.01em;padding:.8rem 1.35rem;border-radius:999px;box-shadow:0 2px 0 rgba(0,0,0,.06),0 6px 16px rgba(233,162,59,.28);transition:transform .12s,box-shadow .15s,background .15s}
.btn:hover{background:#f0b456;transform:translateY(-1px);box-shadow:0 2px 0 rgba(0,0,0,.06),0 10px 22px rgba(233,162,59,.34)}
.btn.outline{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.85);box-shadow:none}
.btn.outline:hover{background:rgba(255,255,255,.14)}
.btn.dark{background:var(--navy);border-color:var(--navy);box-shadow:0 6px 16px rgba(20,33,61,.18)}
.btn.dark:hover{background:var(--dusk);border-color:var(--dusk)}
.btn.outline-alt{border-color:var(--navy);color:var(--navy) !important;background:transparent;box-shadow:none}
.btn.outline-alt:hover{background:var(--sand)}
@media (max-width:600px){.hero .btn,.cta-band .btn{display:block;text-align:center;margin:.55rem 0}}
/* cards */
.grid{gap:1.4rem}
.card{border:1px solid var(--line);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow);padding:1.5rem 1.6rem;transition:box-shadow .2s,transform .2s}
.card:hover{box-shadow:var(--shadow-lg)}
.card h3{margin-bottom:.6rem}
.card a.more{color:var(--terra);text-decoration:none}
.card a.more:hover{text-decoration:underline}
.notice{background:#fff7e8;border:1px solid #efd29c;border-left:4px solid var(--gold);border-radius:10px;color:#3b2d12}
.factbox,.lead-answer{border-left-color:var(--gold);border-radius:10px}
.greg-tip{border:1px solid #d8d1e6;border-left:6px solid var(--dusk);background:#f6f2f8;border-radius:12px}
.greg-tip .tip-label{color:var(--dusk)}
.faq details{border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow)}
.faq summary{color:var(--navy)}
ol.ranked li{border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
/* tables */
.tablewrap{border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff}
thead th{background:var(--navy);font-weight:600}
tbody tr:nth-child(even){background:#fbf8f2}
th,td{border-color:#eee4d6}
table.facts th{background:#f7f1e7}
/* cta + newsletter */
.cta-band{background:radial-gradient(90% 160% at 100% 100%,rgba(233,162,59,.30),rgba(196,85,58,.14) 35%,rgba(0,0,0,0) 65%),linear-gradient(135deg,#14213d,#3a2f55);padding:3rem 0}
.cta-band h2{color:#fff}
.newsletter{border-top:0}
/* footer */
footer.site{background:#10182c;color:#e7e3dc;padding:3rem 0 2rem}
footer.site strong{font-family:var(--serif);font-size:1.05rem;color:#fff}
footer.site a{color:#f2c27a;text-decoration:none}
footer.site a:hover{text-decoration:underline}
footer.site .disclosure{border-top:1px solid rgba(255,255,255,.12);color:#c9c4bb}
/* galleries */
.gallery{gap:1.2rem}
.photo-card figcaption{color:var(--muted);font-size:.78rem}
/* Ask Greg box (batch 4) */
.ask-box-wrap{padding:2rem 0}
.ask-box{background:#fff;border:2px solid var(--gold-dark);border-radius:1rem;padding:1.4rem 1.5rem;box-shadow:0 6px 20px rgba(0,0,0,.08);max-width:760px;margin:0 auto}
.ask-box h2{margin-top:0}
.ask-form label{display:block;font-weight:600;margin:.8rem 0 .3rem}
.ask-form textarea,.ask-form input[type=text],.ask-form input[type=tel]{width:100%;box-sizing:border-box;font:inherit;font-size:1.05rem;padding:.7rem .8rem;border:1.5px solid #b9a98a;border-radius:.6rem;background:#fffdf8}
.ask-form textarea:focus,.ask-form input:focus{outline:3px solid var(--gold-dark);outline-offset:1px}
.ask-form button{margin-top:1rem;cursor:pointer;border:0}
.ask-alt{margin-top:1rem;font-size:.98rem}
/* batch 5 */
ul.cross{list-style:none;padding-left:0}ul.cross li{position:relative;padding-left:1.6rem;margin:.35rem 0}ul.cross li:before{content:"–";position:absolute;left:.3rem;font-weight:700;color:#b5452b}
.video-placeholder{aspect-ratio:16/9;max-width:820px;border:2px dashed var(--gold-dark);border-radius:1rem;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;padding:1.5rem;background:#fffaf0}
table.sortable th button.sortbtn{all:unset;cursor:pointer;font-weight:700}table.sortable th button.sortbtn:focus{outline:3px solid var(--gold-dark)}
.lead-form{background:#fff;border:2px solid var(--gold-dark);border-radius:1rem;padding:1.4rem 1.5rem;max-width:760px;margin:0 auto;box-shadow:0 6px 20px rgba(0,0,0,.08)}
.lead-form label{display:block;font-weight:600;margin:.7rem 0 .25rem}.lead-form input,.lead-form select,.lead-form textarea{width:100%;box-sizing:border-box;font:inherit;font-size:1.05rem;padding:.65rem .8rem;border:1.5px solid #b9a98a;border-radius:.6rem;background:#fffdf8}
.lead-form .row2{display:grid;gap:0 1rem;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}.lead-form button{margin-top:1rem;border:0;cursor:pointer}.hp{position:absolute;left:-9999px}