/* So Money public site — simplified stylesheet.
   One button style (.hs-btn, navy pill) used only for the primary action, at most
   one per screen section. Everything else is a plain text link (.hs-link) or a
   divided plain list (.hs-list). No cards, no glass panels, no decorative tiles.
   This file is self-contained: a restyled page links only this stylesheet (plus a
   small functional stylesheet where a tool needs one). */

/* ---------- tokens ---------- */
:root {
  --navy: #1c355e;
  --navy-deep: #112b51;
  --cyan: #4cc2e1;
  --sky: #e8f7fa;
  --paper: #f6f7f5;
  --white: #fff;
  --ink: #243a5a;
  --muted: #65748a;
  --line: #d8e0e6;
  --display: "Dosis", "Arial Narrow", sans-serif;
  --body: "Source Sans 3", sans-serif;
}

/* ---------- reset and base ---------- */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body { overflow-x: clip; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: var(--body); }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; }
button { font: inherit; cursor: pointer; }
button, a { -webkit-tap-highlight-color: transparent; }
a:focus-visible, button:focus-visible, summary:focus-visible,
input:focus-visible, select:focus-visible { outline: 3px solid var(--cyan); outline-offset: 3px; }
h1, h2, h3, h4, p { margin-top: 0; }
h1, h2, h3, h4 { font-family: var(--display); color: var(--navy); }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: fixed; z-index: 20; top: -60px; left: 12px; padding: 8px 15px; background: var(--cyan); color: var(--navy); clip-path: inset(50%); }
.skip-link:focus { top: 12px; clip-path: none; }

/* ---------- layout ---------- */
.hs-wrap, .section-wrap { width: min(100% - 112px, 1180px); margin-inline: auto; }

/* ---------- the one button, and plain links ---------- */
.hs-btn { display: inline-flex; align-items: center; min-height: 50px; padding: 0 26px; border-radius: 999px; background: var(--navy); color: var(--white); font-family: var(--display); font-size: 17px; font-weight: 700; letter-spacing: .01em; transition: background .2s; }
.hs-btn:hover { background: #2d5481; color: var(--white); }
.hs-btn-sm { min-height: 40px; padding: 0 18px; font-size: 15px; }
.hs-link { display: inline-block; color: var(--navy); font-weight: 700; border-bottom: 2px solid var(--cyan); padding-bottom: 2px; }
.hs-link:hover { color: #257d9c; }
.hs-link::after { content: " →"; }
.hs-header-link { color: var(--navy); font-size: 14px; font-weight: 700; }
.hs-header-link:hover { color: #257d9c; }

/* ---------- header ---------- */
.site-header { height: 91px; display: flex; align-items: center; justify-content: space-between; gap: 45px; padding: 0 56px; background: var(--white); }
.brand img { display: block; width: 160px; height: auto; }
.main-nav { display: flex; align-items: center; gap: clamp(20px, 2.6vw, 44px); margin-left: auto; }
.main-nav a { position: relative; color: var(--navy); font-size: 14px; font-weight: 700; }
.main-nav a::after { content: ""; position: absolute; bottom: -7px; left: 0; right: 100%; height: 2px; background: var(--cyan); transition: right .25s ease; }
.main-nav a:hover::after, .main-nav a[aria-current="page"]::after { right: 0; }
.main-nav .mobile-apply { display: none; }
.header-actions { display: flex; align-items: center; gap: 22px; flex: none; }
.language-switcher { position: relative; color: var(--navy); font-size: 13px; font-weight: 700; }
.language-switcher summary { display: flex; align-items: center; gap: 5px; padding: 9px 4px; list-style: none; cursor: pointer; white-space: nowrap; }
.language-switcher summary::-webkit-details-marker { display: none; }
.language-options { position: absolute; z-index: 12; top: calc(100% + 12px); right: 0; min-width: 170px; padding: 7px; background: var(--white); border: 1px solid var(--line); box-shadow: 0 16px 35px #112b5126; }
.language-options a { display: block; padding: 9px 11px; color: var(--navy); font-size: 14px; font-weight: 700; white-space: nowrap; }
.language-options a:hover, .language-options a[aria-current="page"] { background: var(--sky); }
.mobile-language { display: none; }
.menu-toggle { display: none; width: 42px; height: 42px; border: 0; background: transparent; }
.menu-toggle > span:not(.sr-only) { display: block; width: 25px; height: 2px; margin: 6px auto; background: var(--navy); transition: transform .2s; }
.site-header.open .menu-toggle > span:first-child { transform: translateY(4px) rotate(45deg); }
.site-header.open .menu-toggle > span:nth-child(2) { transform: translateY(-4px) rotate(-45deg); }

/* ---------- hero ---------- */
.hs-hero { display: grid; grid-template-columns: 1.05fr 1fr; align-items: center; gap: 56px; width: min(100% - 112px, 1180px); margin: 32px auto 0; }
.hs-hero h1 { margin: 0 0 22px; font-size: clamp(42px, 6vw, 82px); font-weight: 800; line-height: .98; letter-spacing: -.02em; }
.hs-hero h1 span { color: #2f9fc0; }
.hs-hero-copy > p { max-width: 520px; margin: 0 0 30px; color: var(--muted); font-size: 20px; line-height: 1.5; }
.hs-hero-actions { display: flex; align-items: center; gap: 28px; flex-wrap: wrap; margin-bottom: 28px; }
.hs-hero-copy small { display: block; color: var(--muted); font-size: 13px; line-height: 1.5; }
.hs-hero-photo img { display: block; width: 100%; aspect-ratio: 5 / 4; object-fit: cover; border-radius: 20px; }

/* ---------- interior page head ---------- */
.hs-page-head { padding: 48px 0 56px; }
.hs-page-head h1 { max-width: 20ch; margin: 0 0 20px; font-size: clamp(38px, 5.2vw, 68px); font-weight: 800; line-height: 1.02; letter-spacing: -.02em; }
.hs-page-head h1 span { color: #2f9fc0; }
.hs-page-head > p, .hs-page-head .hs-lead { max-width: 640px; margin: 0; color: var(--muted); font-size: 20px; line-height: 1.5; }
.hs-page-head .hs-btn, .hs-page-head .hs-link { margin-top: 28px; }
.hs-page-head small { display: block; max-width: 640px; margin-top: 22px; color: var(--muted); font-size: 13px; line-height: 1.5; }

/* breadcrumbs */
.hs-crumbs { display: flex; flex-wrap: wrap; gap: 8px; padding: 22px 0 0; color: var(--muted); font-size: 13px; }
.hs-crumbs a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }

/* small eyebrow label (plain text, no dot or tile) */
.overline, .hs-eyebrow { display: block; margin: 0 0 14px; color: #257d9c; font-family: var(--display); font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.overline-dot { display: none; }

/* ---------- sections ---------- */
.hs-section { padding: 96px 0; }
.hs-tint { background: var(--paper); }
.hs-section h2 { margin: 0 0 14px; font-size: clamp(30px, 3.4vw, 44px); font-weight: 800; line-height: 1.05; }
.hs-section h3 { margin: 0 0 8px; font-size: 22px; font-weight: 700; }
.hs-section p { margin: 0; color: var(--muted); font-size: 17px; line-height: 1.55; }
.hs-section h2 span, .hs-section h3 span { color: #2f9fc0; }
.hs-split { display: grid; grid-template-columns: 1fr 1.6fr; gap: 64px; align-items: start; }
.hs-head p { margin-bottom: 22px; }
.hs-head .hs-link { margin-top: 4px; }
.hs-body > p + p { margin-top: 18px; }
.hs-note, .hs-section .hs-note { margin: 28px 0 0; color: var(--muted); font-size: 13px; line-height: 1.55; }

/* ---------- plain divided list ---------- */
.hs-list { border-top: 1px solid var(--line); }
.hs-list > a { display: grid; grid-template-columns: 160px 1fr auto; align-items: baseline; gap: 20px; padding: 22px 0; border-bottom: 1px solid var(--line); }
.hs-list > a::after { content: "→"; color: #9aa8b8; transition: transform .2s, color .2s; }
.hs-list > a:hover::after { transform: translateX(4px); color: var(--navy); }
.hs-list > a:hover strong { color: #257d9c; }
.hs-list strong { color: var(--navy); font-family: var(--display); font-size: 24px; font-weight: 700; }
.hs-list > a[aria-current="page"] { color: var(--muted); }
.hs-list > a[aria-current="page"] strong { color: var(--muted); }
.hs-list > a[aria-current="page"]::after { content: "You are here"; font-size: 13px; }
.hs-list span { color: var(--muted); font-size: 17px; }
.hs-list p { margin: 0; }
.hs-wide > a { grid-template-columns: 1fr auto; }
.hs-wide strong { grid-row: 1; grid-column: 1; }
.hs-wide span { display: block; grid-row: 2; grid-column: 1; margin-top: 4px; }
.hs-wide > a::after { grid-row: 1; grid-column: 2; }
.hs-wide > a > p { grid-column: 1 / -1; }
.hs-articles > a { grid-template-columns: 1fr auto; }
.hs-articles strong { font-family: var(--body); font-size: 19px; font-weight: 600; }
.hs-aside { padding-top: 22px; color: var(--muted); font-size: 17px; line-height: 1.55; }
.hs-aside a { color: var(--navy); font-weight: 700; border-bottom: 2px solid var(--cyan); }

/* plain numbered / columned text blocks */
.hs-three { display: grid; grid-template-columns: repeat(3, 1fr); gap: 48px; margin-top: 36px; }
.hs-two { display: grid; grid-template-columns: repeat(2, 1fr); gap: 48px; margin-top: 36px; }
.hs-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 48px; margin: 36px 0 0; padding: 0; list-style: none; counter-reset: step; }
.hs-steps li { counter-increment: step; }
.hs-steps li::before { content: counter(step); display: block; margin-bottom: 14px; color: var(--cyan); font-family: var(--display); font-size: 44px; font-weight: 800; line-height: 1; }
.hs-steps h3 { margin: 0 0 8px; font-size: 22px; font-weight: 700; }
.hs-steps p { margin: 0; color: var(--muted); font-size: 17px; line-height: 1.55; }

/* divided rows of plain headed paragraphs */
.hs-rows { border-top: 1px solid var(--line); }
.hs-rows > div { padding: 22px 0; border-bottom: 1px solid var(--line); }
.hs-rows h3 { margin: 0 0 6px; color: var(--navy); font-family: var(--display); font-size: 21px; font-weight: 700; }
.hs-rows p { margin: 0; color: var(--muted); font-size: 17px; line-height: 1.55; }

/* a quoted scenario line, set as plain large type */
.hs-quote { max-width: 24ch; margin: 0 0 16px; font-size: clamp(26px, 3vw, 38px); font-weight: 800; line-height: 1.15; }

/* plain bullet list */
.hs-bullets { margin: 24px 0 0; padding-left: 22px; color: var(--muted); font-size: 17px; line-height: 1.6; }
.hs-bullets li { margin-bottom: 10px; }

/* ---------- FAQ ---------- */
.hs-faq details { border-bottom: 1px solid var(--line); }
.hs-faq details:first-child { border-top: 1px solid var(--line); }
.hs-faq summary { position: relative; padding: 22px 40px 22px 0; color: var(--navy); font-size: 19px; font-weight: 600; cursor: pointer; list-style: none; }
.hs-faq summary::-webkit-details-marker { display: none; }
.hs-faq summary::after { content: "+"; position: absolute; right: 4px; top: 18px; color: #2f9fc0; font-size: 26px; font-weight: 400; }
.hs-faq details[open] summary::after { content: "–"; }
.hs-faq details p { padding: 0 0 22px; margin: 0; color: var(--muted); font-size: 17px; line-height: 1.6; }
.hs-faq a { color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }

/* ---------- closing strip ---------- */
.hs-partners, .hs-strip { padding: 40px 0; border-top: 1px solid var(--line); }
.hs-partners .hs-wrap, .hs-strip .hs-wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.hs-partners p, .hs-strip p { margin: 0; color: var(--muted); font-size: 17px; }
.hs-partners strong, .hs-strip strong { color: var(--navy); }

/* ---------- prose (articles, legal-style copy) ---------- */
.hs-prose { max-width: 720px; color: var(--ink); font-size: 18px; line-height: 1.7; }
.hs-prose h2 { margin: 48px 0 14px; font-size: 28px; font-weight: 700; line-height: 1.2; }
.hs-prose h2:first-child, .hs-prose h2:first-of-type { margin-top: 0; }
.hs-prose h3 { margin: 32px 0 10px; font-size: 21px; font-weight: 700; }
.hs-prose p { margin: 0 0 20px; }
.hs-prose ul, .hs-prose ol { margin: 0 0 22px; padding-left: 24px; }
.hs-prose li { margin-bottom: 10px; }
.hs-prose a { color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
.hs-prose a:hover { color: #257d9c; }
.hs-answer { margin: 0 0 40px; padding: 0 0 0 20px; border-left: 2px solid var(--cyan); }
.hs-answer span { display: block; margin-bottom: 8px; color: #257d9c; font-family: var(--display); font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.hs-answer p { margin: 0; color: var(--navy); font-size: 21px; line-height: 1.45; }
.hs-meta { display: flex; flex-wrap: wrap; gap: 10px 12px; margin: 22px 0 0; color: var(--muted); font-size: 13px; }
.hs-meta span + span::before { content: "·"; margin-right: 12px; }
.hs-toc { margin: 0 0 40px; padding: 18px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); color: var(--muted); font-size: 15px; }
.hs-toc strong { display: block; margin-bottom: 10px; color: var(--navy); font-family: var(--display); font-size: 15px; font-weight: 700; }
.hs-toc a { display: inline-block; margin: 0 18px 4px 0; color: var(--navy); text-decoration: underline; text-underline-offset: 3px; }
.hs-sources { padding-top: 18px; border-top: 1px solid var(--line); font-size: 16px; }
.hs-disclaimer { margin: 36px 0 0; padding-top: 20px; border-top: 1px solid var(--line); color: var(--muted); font-size: 14px; line-height: 1.6; }

.hs-article { padding: 8px 0 72px; }

/* ---------- plain card-free index rows (guides, updates) ---------- */
.hs-section-head { margin-bottom: 8px; }
.hs-section-head h2 { margin: 0 0 12px; font-size: clamp(28px, 3.2vw, 40px); font-weight: 800; line-height: 1.08; }
.hs-section-head h2 span { color: #2f9fc0; }
.hs-section-head > p, .hs-section-head > div + p { max-width: 640px; margin: 0; color: var(--muted); font-size: 17px; line-height: 1.55; }
.hs-cards { margin-top: 28px; border-top: 1px solid var(--line); }
.hs-card-row { display: grid; grid-template-columns: 200px 1fr auto; align-items: baseline; gap: 10px 24px; padding: 24px 0; border-bottom: 1px solid var(--line); }
.hs-card-row::after { content: "→"; grid-row: 1; grid-column: 3; color: #9aa8b8; transition: transform .2s, color .2s; }
.hs-card-row:hover::after { transform: translateX(4px); color: var(--navy); }
.hs-card-row:hover h2, .hs-card-row:hover h3 { color: #257d9c; }
.hs-card-label, .hs-card-top { grid-row: 1; grid-column: 1; color: var(--muted); font-family: var(--display); font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.hs-card-top { display: flex; flex-direction: column; gap: 4px; }
.hs-card-top em { color: var(--muted); font-size: 11px; font-style: normal; }
.hs-card-row h2, .hs-card-row h3 { grid-row: 1; grid-column: 2; margin: 0; font-size: 21px; font-weight: 700; line-height: 1.25; }
.hs-card-row > p { grid-column: 2; margin: 0; color: var(--muted); font-size: 16px; line-height: 1.5; }
.hs-card-cue { display: none; }
.hs-cards .hs-note { grid-column: 1 / -1; max-width: 760px; }

/* ---------- forms and results (calculators, selectors) ---------- */
.hs-form { display: grid; gap: 18px; }
.hs-form-head { margin: 0 0 4px; color: var(--muted); font-size: 14px; line-height: 1.5; }
.hs-field { display: grid; gap: 6px; }
.hs-field > label { color: var(--navy); font-size: 15px; font-weight: 600; }
.hs-field > label span { color: var(--muted); font-weight: 400; }
.hs-input { display: flex; align-items: center; gap: 8px; max-width: 320px; padding: 10px 14px; border: 1px solid var(--line); border-radius: 8px; background: var(--white); color: var(--muted); font-size: 16px; }
.hs-input:focus-within { border-color: #2f9fc0; }
.hs-input input { width: 100%; border: 0; background: transparent; color: var(--navy); font: inherit; font-size: 17px; font-weight: 600; }
.hs-input input:focus { outline: none; }
.hs-select { max-width: 360px; padding: 11px 14px; border: 1px solid var(--line); border-radius: 8px; background: var(--white); color: var(--navy); font: inherit; font-size: 16px; font-weight: 600; }
.hs-result { border-top: 1px solid var(--line); }
.hs-result-label { display: block; padding-top: 20px; color: #257d9c; font-family: var(--display); font-size: 13px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.hs-result-hero { display: block; margin: 6px 0 20px; color: var(--navy); font-family: var(--display); font-size: clamp(38px, 5vw, 56px); font-weight: 800; line-height: 1; }
.hs-result-row { display: flex; align-items: baseline; justify-content: space-between; gap: 20px; padding: 14px 0; border-bottom: 1px solid var(--line); }
.hs-result-row:first-of-type { border-top: 1px solid var(--line); }
.hs-result-row span { color: var(--muted); font-size: 16px; }
.hs-result-row small { display: block; margin-top: 4px; color: var(--muted); font-size: 13px; }
.hs-result-row strong { color: var(--navy); font-family: var(--display); font-size: 21px; font-weight: 700; white-space: nowrap; }
.hs-result p { margin: 16px 0 0; color: var(--muted); font-size: 15px; line-height: 1.55; }
.hs-result p strong { color: var(--navy); }
.hs-result-caption { margin: -12px 0 20px !important; color: var(--muted); font-size: 16px; }
.hs-result .hs-note { margin-top: 14px; }
.hs-error { margin: 16px 0 0; color: #8a2a2a; font-size: 15px; line-height: 1.5; }
.hs-checks { display: grid; gap: 2px; border-top: 1px solid var(--line); }
.hs-checks label { display: flex; align-items: center; gap: 12px; padding: 16px 0; border-bottom: 1px solid var(--line); color: var(--navy); font-size: 17px; cursor: pointer; }
.hs-checks input { width: 20px; height: 20px; accent-color: var(--navy); flex: none; }

/* ---------- footer ---------- */
.site-footer { margin-top: 24px; background: var(--navy-deep); color: var(--white); }
.footer-main { display: flex; justify-content: space-between; gap: 65px; padding-block: 70px; }
.footer-main img { display: block; width: 170px; }
.footer-main p { max-width: 290px; margin: 20px 0 0; color: #c0d0de; font-size: 14px; line-height: 1.5; }
.footer-columns { display: flex; gap: clamp(36px, 5vw, 90px); }
.footer-columns > div { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; }
.footer-columns strong { margin-bottom: 5px; color: var(--cyan); font-family: var(--display); font-size: 15px; font-weight: 700; }
.footer-columns a { color: #d1dfeb; font-size: 13px; }
.footer-columns a:hover { color: var(--cyan); }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; padding-block: 24px; border-top: 1px solid #ffffff33; color: #9fb4c7; font-size: 11px; line-height: 1.5; }

/* ---------- responsive ---------- */
@media (max-width: 1150px) {
  .site-header { flex-wrap: wrap; position: relative; z-index: 3; padding-inline: 32px; }
  .main-nav { display: none; }
  .header-actions { margin-left: auto; gap: 14px; }
  .desktop-language { display: none; }
  .header-actions .hs-btn-sm { display: none; }
  .hs-header-link { font-size: 13px; white-space: nowrap; }
  .menu-toggle { display: block; }
  .site-header.open { height: auto; padding-block: 17px; }
  .site-header.open .main-nav { display: flex; order: 3; width: 100%; flex-direction: column; align-items: stretch; gap: 0; margin: 8px 0 0; }
  .site-header.open .main-nav a { padding: 13px 0; border-top: 1px solid var(--line); }
  .site-header.open .main-nav a::after { display: none; }
  .site-header.open .main-nav .mobile-apply { display: block; color: #168ca8; }
  .site-header.open .main-nav .mobile-language { display: block; padding-top: 7px; border-top: 1px solid var(--line); }
  .mobile-language summary { padding: 10px 0; }
  .mobile-language .language-options { position: static; min-width: 0; padding: 3px 0 8px; border: 0; box-shadow: none; }
  .site-header.open .main-nav .language-options a { padding: 9px 12px; border: 0; }
}
@media (max-width: 900px) {
  .hs-wrap, .section-wrap, .hs-hero { width: min(100% - 40px, 1180px); }
  .hs-hero { grid-template-columns: 1fr; gap: 32px; margin-top: 16px; }
  .hs-section { padding: 64px 0; }
  .hs-page-head { padding: 32px 0 40px; }
  .hs-page-head > p, .hs-page-head .hs-lead { font-size: 18px; }
  .hs-split { grid-template-columns: 1fr; gap: 28px; }
  .hs-three, .hs-two, .hs-steps { grid-template-columns: 1fr; gap: 32px; }
  .hs-list > a { grid-template-columns: 1fr auto; gap: 4px 16px; }
  .hs-list > a span { grid-column: 1; }
  .hs-list > a::after { grid-row: 1; grid-column: 2; }
  .hs-prose { font-size: 17px; }
  .hs-prose h2 { font-size: 25px; }
  .hs-card-row { grid-template-columns: 1fr auto; gap: 6px 16px; }
  .hs-card-row h2, .hs-card-row h3 { grid-row: auto; grid-column: 1; }
  .hs-card-row > p { grid-column: 1; }
  .hs-card-label, .hs-card-top { grid-row: 1; grid-column: 1; }
  .hs-card-row::after { grid-row: 1; grid-column: 2; }
  .footer-main { flex-wrap: wrap; gap: 40px; padding-block: 56px; }
  .footer-columns { flex-wrap: wrap; gap: 32px; }
  .footer-bottom { flex-direction: column; }
}
@media (max-width: 560px) {
  .site-header { height: 76px; padding-inline: 20px; }
  .brand img { width: 131px; }
  .hs-hero h1 { font-size: clamp(38px, 11vw, 56px); }
  .hs-hero-copy > p { font-size: 17px; }
  .hs-page-head h1 { font-size: clamp(32px, 9vw, 44px); }
  .hs-result-hero { font-size: 34px; }
  .hs-result-row { align-items: flex-start; flex-direction: column; gap: 4px; }
  .hs-result-row strong { font-size: 19px; }
  .hs-input, .hs-select { max-width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}