/* Layout: matches simplefinancial.ca. White page, floating pill header, light-weight big type, photo hero with floating chips, deep-green feature band, sage cards. Single light theme on purpose (brand look). */
:root {
  color-scheme: light;
  --bg: #ffffff;
  --ink: #07331a;
  --text: #2c4636;
  --muted: #5b7062;
  --brand: #107c41;
  --brand-hover: #0b6233;
  --deep: #094826;
  --sage: #e9eeea;
  --sage-2: #d0dcd3;
  --sage-3: #b5c9ba;
  --off: #f2f5f3;
  --lime: #ecfccb;
  --font: "Outfit", "Satoshi", ui-sans-serif, system-ui, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }
body { margin: 0; background: var(--bg); color: var(--text); font: 400 17px/1.6 var(--font); }
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 60; background: var(--bg); }
a { color: var(--brand); }
h1, h2, h3 { color: var(--ink); font-weight: 400; line-height: 1.12; letter-spacing: -0.02em; text-wrap: balance; margin: 0; }
h1 { font-size: clamp(2.4rem, 5.6vw, 4.2rem); }
h2 { font-size: clamp(1.8rem, 3.6vw, 2.8rem); }
h3 { font-size: 1.35rem; }
p { margin: 0; }
.wrap { max-width: 1240px; margin: 0 auto; padding-left: max(16px, env(safe-area-inset-left, 0px)); padding-right: max(16px, env(safe-area-inset-right, 0px)); }
.muted { color: var(--muted); }
.num { font-variant-numeric: tabular-nums; }
.eyebrow { font-size: .85rem; font-weight: 500; color: var(--brand); letter-spacing: .02em; }
:focus-visible { outline: 3px solid var(--sage-3); outline-offset: 2px; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; min-height: 46px; padding: 0 22px; border-radius: 8px; border: 0; background: var(--brand); color: var(--off); font: 500 1rem var(--font); text-decoration: none; cursor: pointer; transition: background .15s; white-space: nowrap; }
.btn:hover { background: var(--brand-hover); color: #fff; }
.btn.alt { background: var(--sage); color: var(--ink); }
.btn.alt:hover { background: var(--sage-2); color: var(--ink); }
.btn.big { min-height: 54px; padding: 0 28px; font-size: 1.05rem; }
.btn.full { width: 100%; }
.btn .icon { width: auto; height: auto; background: none; color: inherit; margin-right: 8px; }
.btn .icon svg { width: 20px; height: 20px; }
.more { color: var(--brand); font-weight: 500; text-decoration: none; }
.more:hover { text-decoration: underline; }

/* Floating header */
.top { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50; padding-top: 14px; }
.top .bar { display: flex; align-items: center; gap: 28px; min-height: 64px; padding: 0 12px 0 20px; background: rgba(233, 238, 234, .94); backdrop-filter: blur(10px); border-radius: 14px; }
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); font-weight: 500; }
.logo svg { width: 45px; height: 30px; flex: none; color: var(--brand); }
footer .logo svg { color: #fff; }
.nav { display: flex; align-items: center; gap: 26px; flex: 1; }
.nav a { color: var(--ink); text-decoration: none; font-size: .95rem; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--brand); }
.nav .signin { margin-left: auto; }
.nav .btn { color: var(--off); }
@media (max-width: 820px) { .nav .signin { display: inline; } .nav .btn { margin-left: 0; } }
@media (max-width: 820px) { .nav a:not(.btn):not(.signin) { display: none; } }

/* Hero */
.hero { position: relative; overflow: hidden; padding-block: 40px 72px; isolation: isolate; }
.hero::before { content: ""; position: absolute; left: -10%; top: -20%; width: 70%; height: 140%; background: var(--sage); clip-path: polygon(0 0, 55% 0, 100% 50%, 55% 100%, 0 100%); z-index: -1; }
.hero .wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.hero-copy { display: grid; gap: 22px; min-width: 0; }
.hero-copy .lead { font-size: 1.15rem; max-width: 32em; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; }
.facts { display: flex; flex-wrap: wrap; gap: 8px 22px; font-size: .95rem; color: var(--ink); }
.facts span::before { content: "\2713"; color: var(--brand); margin-right: 6px; font-weight: 600; }
.photo { position: relative; border-radius: 18px; overflow: hidden; aspect-ratio: 4 / 5; max-width: 100%; max-height: 640px; width: 100%; background: var(--sage-2) center / cover no-repeat; }
.photo img, .prov .pimg img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; display: block; }
.prov .pimg { position: relative; display: block; }
.hero .photo img { object-position: 40% center; }
.chip { position: absolute; z-index: 1; background: #fff; border-radius: 12px; padding: 12px 16px; box-shadow: 0 10px 30px -12px rgba(7, 51, 26, .35); color: var(--ink); }
.chip small { display: block; font-size: .8rem; color: var(--muted); }
.chip b { font-weight: 400; font-size: 2.1rem; line-height: 1.1; }
.chip.a { top: 24px; right: 24px; }
.chip.b { bottom: 28px; left: 24px; font-size: .9rem; max-width: 72%; }
@media (max-width: 900px) { .hero .wrap { grid-template-columns: 1fr; } .photo { aspect-ratio: 4 / 3; } .hero::before { width: 130%; } }

/* Strip */
.strip { background: var(--off); padding-block: 18px; }
.strip .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px; color: var(--ink); }

/* Sections */
section.band { padding-block: 88px; }
.head { display: grid; gap: 12px; max-width: 46em; margin-bottom: 40px; }
.head p { font-size: 1.1rem; }
.grid3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
.grid4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
@media (max-width: 960px) { .grid4 { grid-template-columns: repeat(2, 1fr); } .grid3 { grid-template-columns: 1fr; } }
@media (max-width: 540px) { .grid4 { grid-template-columns: 1fr; } }
.card { background: var(--sage); border-radius: 14px; padding: 28px; display: grid; gap: 10px; align-content: start; min-width: 0; }

/* Deep green band */
.dark { background: var(--deep); }
.dark .head h2, .dark .head p { color: var(--off); }
.dark .eyebrow { color: var(--sage-3); }
.dark .grid4 .card:nth-child(even) { background: #fff; }
.split { display: grid; grid-template-columns: 1.1fr .9fr; gap: 12px; margin-bottom: 12px; }
.split .photo { aspect-ratio: auto; min-height: 340px; max-height: none; }
.split .card { justify-content: start; align-content: center; padding: 40px; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } .split .photo { min-height: 240px; } }
.icon { width: 44px; height: 44px; border-radius: 10px; background: #fff; color: var(--brand); display: grid; place-items: center; }
.dark .grid4 .card:nth-child(even) .icon { background: var(--sage); }
.icon svg { width: 22px; height: 22px; }
.steps { counter-reset: s; }
.steps .card::before { counter-increment: s; content: counter(s); font-size: 2.6rem; font-weight: 300; line-height: 1; color: var(--brand); }

/* CTA band */
.cta-band { padding-block: 24px; }
.cta-band .inner { background: var(--brand); border-radius: 18px; padding: 40px; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 20px; }
.cta-band h2 { color: #fff; font-size: clamp(1.5rem, 3vw, 2.2rem); }
.cta-band p { color: var(--lime); }
.cta-band .btn { background: #fff; color: var(--deep); }
.cta-band .btn:hover { background: var(--lime); }

/* Calculator */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 820px) { .calc { grid-template-columns: 1fr; } }
.calc > div { border-radius: 18px; padding: 32px; }
.calc .in { background: var(--sage); display: grid; gap: 26px; align-content: center; min-width: 0; }
.calc input[type=range] { width: 100%; accent-color: var(--brand); }
.calc .out { background: var(--deep); color: var(--off); display: grid; gap: 8px; align-content: center; }
.calc .out .muted { color: var(--sage-3); }
.calc .pay { font-size: 3.2rem; font-weight: 300; line-height: 1.1; color: #fff; }
.calc .out .btn { background: #fff; color: var(--deep); margin-top: 12px; }
.calc .out .btn:hover { background: var(--lime); }
.calc-row { display: grid; gap: 4px; color: var(--ink); }
.calc-row .val { font-size: 1.6rem; font-weight: 300; }

/* Rates */
.rates { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.rates div { background: var(--sage); border-radius: 14px; padding: 22px; display: grid; gap: 4px; }
.rates .k { font-size: .85rem; color: var(--muted); }
.rates .v { font-size: 1.6rem; font-weight: 300; color: var(--ink); }
@media (max-width: 800px) { .rates { grid-template-columns: 1fr 1fr; } }
.example { margin-top: 12px; background: var(--lime); color: var(--ink); border-radius: 14px; padding: 20px 22px; }
.tablewrap { overflow-x: auto; margin-top: 12px; border: 1px solid var(--sage-2); border-radius: 14px; }
table { border-collapse: collapse; width: 100%; min-width: 560px; }
th, td { text-align: left; padding: 14px 18px; border-bottom: 1px solid var(--sage-2); font-variant-numeric: tabular-nums; color: var(--ink); }
tr:last-child td { border-bottom: 0; }
th { font-size: .82rem; font-weight: 500; color: var(--muted); background: var(--off); }
.fine { font-size: .82rem; color: var(--muted); }

/* At a glance card */
.apply { background: var(--sage); border-radius: 18px; padding: 32px; display: grid; gap: 16px; scroll-margin-top: 100px; }
.kvs { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.kv { background: #fff; border-radius: 10px; padding: 14px; display: grid; gap: 2px; }
.kv b { font-weight: 400; font-size: 1.25rem; color: var(--ink); }

/* Province cards */
.prov { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 760px) { .prov { grid-template-columns: 1fr; } }
.prov .card { padding: 0; overflow: hidden; gap: 0; }
.prov .pimg { aspect-ratio: 16 / 7; max-width: 100%; background: var(--sage-2) center / cover no-repeat; }
.prov .pbody { padding: 26px; display: grid; gap: 14px; }
.prov .cardlink { display: grid; gap: 8px; text-decoration: none; color: var(--ink); }
.prov .cardlink:hover h3 { color: var(--brand); }
.prov .btn { justify-self: start; }
.cities { display: flex; flex-wrap: wrap; gap: 6px; }
.cities span { background: #fff; color: var(--ink); border-radius: 999px; padding: 4px 12px; font-size: .85rem; }

/* FAQ */
.faq { display: grid; gap: 8px; max-width: 860px; }
.faq details { background: var(--sage); border-radius: 12px; padding: 4px 22px; }
.faq summary { cursor: pointer; color: var(--ink); font-size: 1.08rem; padding-block: 16px; }
.faq details p { padding-bottom: 18px; }

/* Legal */
.legal { max-width: 780px; padding-block: 56px 88px; display: grid; gap: 16px; }
.legal h2 { font-size: 1.5rem; margin-top: 14px; }
.legal ul { margin: 0; padding-left: 1.2em; }

/* Footer */
footer { background: var(--deep); color: var(--sage-3); padding-block: 56px 112px; font-size: .92rem; }
footer .wrap { display: grid; gap: 32px; }
footer .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 32px; }
@media (max-width: 760px) { footer .cols { grid-template-columns: 1fr; } }
footer a { color: var(--off); text-decoration: none; }
footer a:hover { text-decoration: underline; }
footer h3 { color: #fff; font-size: 1rem; font-weight: 500; margin-bottom: 10px; }
footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
footer .logo { color: #fff; }
footer .disc { border-top: 1px solid rgba(255, 255, 255, .14); padding-top: 22px; display: grid; gap: 8px; font-size: .8rem; }

/* Sticky mobile CTA */
.mbar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 55; background: #fff; box-shadow: 0 -6px 20px -10px rgba(7, 51, 26, .3); padding: 10px max(16px, env(safe-area-inset-right, 0px)) calc(10px + env(safe-area-inset-bottom, 0px)) max(16px, env(safe-area-inset-left, 0px)); display: none; }
@media (max-width: 820px) { .mbar { display: block; } }