/* Home page additions (2026-10-20): the flat fee, Loren, and the free Retirement Risks Analysis. Same language as main.css. */

/* ---------- one flat fee ---------- */
.flat-fee { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, .92fr); gap: clamp(72px, 6vw, 96px) clamp(56px, 7vw, 120px); align-items: center; padding: clamp(84px, 9vw, 140px) var(--inline); background: var(--paper-soft); }
.flat-fee h2 { font-size: clamp(42px, 4.3vw, 70px); line-height: 1.08; margin-bottom: 30px; }
.flat-fee .short-rule { margin-bottom: 32px; }
.flat-fee .serif-lead { max-width: 610px; margin-bottom: 22px; }
.flat-fee-copy > p:not(.eyebrow):not(.serif-lead) { font-size: 18px; line-height: 1.7; max-width: 560px; margin-bottom: 38px; }
.fee-card { position: relative; background: #fff; border: 1px solid var(--line); padding: clamp(32px, 3.4vw, 54px); box-shadow: 0 44px 90px -54px rgb(16 47 73 / .5); }
.fee-card::before { content: ""; position: absolute; left: -1px; right: -1px; top: -1px; height: 3px; background: var(--blue); }
.fee-card-label { font-size: 12px; font-weight: 650; letter-spacing: .24em; text-transform: uppercase; color: var(--muted); margin-bottom: 18px; }
.fee-amount { display: flex; flex-wrap: wrap; align-items: baseline; gap: 0 .16em; font-family: var(--serif); font-size: clamp(46px, 4.5vw, 76px); line-height: 1; letter-spacing: -.055em; color: var(--ink); margin-bottom: 16px; }
.fee-dash { color: #9aa9b8; }
.fee-card-sub { font-size: 15px; color: var(--muted); margin-bottom: 26px; }
.fee-includes { list-style: none; margin: 0 0 30px; padding: 0; display: grid; grid-template-columns: 1fr 1fr; column-gap: 22px; border-top: 1px solid var(--line); }
.fee-includes li { position: relative; padding: 15px 0 15px 30px; border-bottom: 1px solid var(--line); font-size: 15.5px; line-height: 1.45; color: var(--ink); }
.fee-includes li::before { content: ""; position: absolute; left: 0; top: 16px; width: 19px; height: 19px; border-radius: 50%; border: 1px solid var(--blue); background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m7.5 12.3 3 3 6-6.3' fill='none' stroke='%230759ad' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center / 100% no-repeat; }
.fee-graph { margin: 0; }
.fee-graph svg { display: block; width: 100%; height: auto; overflow: visible; }
.fg-axis { stroke: #c9d4dc; stroke-width: 1; }
.fg-pct, .fg-flat { fill: none; stroke-linecap: round; stroke-dasharray: 520; stroke-dashoffset: 520; transition: stroke-dashoffset 1.6s var(--ease); }
.fg-pct { stroke: #8ba3b8; stroke-width: 2; }
.fg-flat { stroke: var(--blue); stroke-width: 3.5; transition-delay: .5s; }
.fg-dot { fill: var(--blue); opacity: 0; transition: opacity .4s 1.9s; }
.fg-label { font-family: var(--sans); font-size: 13px; fill: #6f8597; opacity: 0; transition: opacity .6s 1.2s; }
.fg-label-flat { fill: var(--blue); font-weight: 600; transition-delay: 1.7s; }
.fg-tick { font-family: var(--sans); font-size: 11px; fill: #8c9caa; letter-spacing: .04em; }
.fee-graph.is-drawn .fg-pct, .fee-graph.is-drawn .fg-flat { stroke-dashoffset: 0; }
.fee-graph.is-drawn .fg-dot, .fee-graph.is-drawn .fg-label { opacity: 1; }
.fee-graph-key { display: none; gap: 18px; margin: 10px 0 0; font-size: 13px; color: var(--muted); }
.fee-graph-key span { display: inline-flex; align-items: center; gap: 8px; }
.fee-graph-key i { width: 18px; height: 3px; background: var(--blue); }
.fee-graph-key .fg-key-pct { height: 2px; background: #8ba3b8; }
.fee-graph figcaption { margin-top: 8px; font-size: 12px; color: #8c9caa; }
.fee-points { grid-column: 1 / -1; list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); border-top: 1px solid #d4dde5; }
.fee-points li { padding: 32px 36px 0 0; }
.fee-points li + li { padding-left: 36px; border-left: 1px solid #d4dde5; }
.fee-points strong { display: block; font-family: var(--serif); font-weight: 400; font-size: clamp(23px, 1.85vw, 28px); line-height: 1.2; letter-spacing: -.035em; color: var(--ink); margin-bottom: 10px; }
.fee-points span { display: block; font-size: 16px; line-height: 1.65; max-width: 400px; }

/* ---------- Loren ---------- */
.home-loren { display: grid; grid-template-columns: minmax(0, .86fr) minmax(0, 1.14fr); gap: clamp(56px, 7vw, 120px); align-items: center; padding: clamp(84px, 9vw, 140px) var(--inline); }
.loren-portrait { position: relative; margin: 0; aspect-ratio: 1 / 1.1; overflow: hidden; background: #607983; isolation: isolate; }
.loren-portrait img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 50% 32%; transition: transform 1.4s var(--ease); }
.loren-portrait::after { content: ""; position: absolute; inset: 50% 0 0; background: linear-gradient(transparent, rgb(9 28 43 / .84)); pointer-events: none; }
.loren-portrait figcaption { position: absolute; z-index: 1; left: 36px; right: 36px; bottom: 34px; color: #fff; }
.loren-portrait figcaption .eyebrow { display: block; color: #eef4f7; font-size: 11px; letter-spacing: .2em; margin-bottom: 12px; }
.loren-portrait figcaption strong { display: block; font: 400 clamp(30px, 2.7vw, 40px)/1.1 var(--serif); letter-spacing: -.04em; margin-bottom: 10px; }
.loren-credentials { display: block; font-size: 11px; font-weight: 550; letter-spacing: .14em; color: #d5e2ec; }
.loren-copy h2 { font-size: clamp(42px, 4.2vw, 68px); line-height: 1.08; margin-bottom: 34px; }
.loren-copy .pull-quote { margin: 0 0 34px; }
.loren-copy > p:not(.eyebrow) { font-size: 18px; line-height: 1.7; max-width: 600px; }
.loren-copy .hero-actions { margin-top: 36px; }
@media (hover: hover) { .loren-portrait:hover img { transform: scale(1.025); } }

/* ---------- the free Retirement Risks Analysis ---------- */
.home-rra { position: relative; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.04fr); gap: clamp(56px, 7vw, 120px); align-items: center; padding: clamp(84px, 9vw, 140px) var(--inline); background: var(--navy-3); color: #d7e1e7; overflow: hidden; isolation: isolate; }
.home-rra::before { content: ""; position: absolute; inset: 0; z-index: -1; background: radial-gradient(55% 75% at 82% 45%, rgb(169 205 238 / .13), transparent 70%); }
.home-rra .eyebrow { color: #c4d6e3; }
.home-rra h2 { color: #fff; font-size: clamp(42px, 4.3vw, 70px); line-height: 1.08; margin-bottom: 0; }
.home-rra h2 em { color: var(--accent-soft); }
.home-rra .short-rule { color: #8fadc3; margin: 32px 0; }
.home-rra-lead { font-family: var(--serif); font-size: clamp(21px, 1.7vw, 25px); line-height: 1.5; letter-spacing: -.02em; color: #fff; max-width: 600px; }
.home-rra-copy > p:not(.eyebrow):not(.home-rra-lead) { font-size: 17.5px; line-height: 1.7; max-width: 590px; }
.home-rra .risk-legend { margin: 30px 0 40px; }

/* ---------- contact: the direct lines under the copy ---------- */
.contact-direct { display: flex; flex-wrap: wrap; gap: 6px 14px; margin-top: 28px !important; font-size: 16px !important; }
.contact-direct a { color: #fff; border-bottom: 1px solid rgb(255 255 255 / .45); padding-bottom: 2px; transition: border-color .25s; }
.contact-direct span { color: #8fadc3; }
@media (hover: hover) { .contact-direct a:hover { border-color: #fff; } }

@media (max-width: 1100px) {
  .flat-fee, .home-loren, .home-rra { grid-template-columns: 1fr; }
  .fee-card { max-width: 640px; }
  .loren-portrait { max-width: 560px; }
  .rra-sheets { max-width: 640px; }
}
@media (max-width: 740px) {
  .flat-fee, .home-loren, .home-rra { padding-top: 60px; padding-bottom: 64px; gap: 44px; }
  .flat-fee h2, .loren-copy h2, .home-rra h2 { font-size: clamp(36px, 9.6vw, 46px); }
  .flat-fee h2 br, .loren-copy h2 br, .home-rra h2 br { display: none; }
  .flat-fee-copy > p:not(.eyebrow):not(.serif-lead), .loren-copy > p:not(.eyebrow) { font-size: 17px; }
  .fee-card { padding: 30px 22px 26px; }
  .fee-amount { font-size: clamp(38px, 11vw, 48px); }
  .fee-includes { grid-template-columns: 1fr; }
  .fg-label { display: none; }
  .fg-tick { font-size: 17px; }
  .fee-graph-key { display: flex; }
  .fee-points { grid-template-columns: 1fr; }
  .fee-points li, .fee-points li + li { padding: 24px 0; border-left: 0; }
  .fee-points li + li { border-top: 1px solid #d4dde5; }
  .loren-portrait { aspect-ratio: 1; }
  .loren-portrait figcaption { left: 22px; right: 22px; bottom: 24px; }
  .home-rra .short-rule { margin: 26px 0; width: 48px; }
  .home-rra-copy > p:not(.eyebrow):not(.home-rra-lead) { font-size: 16.5px; }
}
@media (prefers-reduced-motion: reduce) {
  .fg-pct, .fg-flat { stroke-dashoffset: 0; }
  .fg-dot, .fg-label { opacity: 1; }
}