/* Let's Talk Money — site styles */
:root {
	--g950: #0c2a20;
	--g900: #123d2f;
	--g800: #1d4f3e;
	--g700: #006633;
	--g600: #1a7a47;
	--g100: #e6f0ea;
	--g50: #f3f7f4;
	--gold: #dab844;
	--gold-700: #b8962a;
	--gold-50: #fbf6e3;
	--ink: #1c2622;
	--text: #3d4a45;
	--muted: #66736e;
	--line: #dde5e0;
	--white: #fff;
	--radius: 14px;
	--radius-sm: 8px;
	--shadow: 0 1px 2px rgba(12, 42, 32, .06), 0 6px 20px rgba(12, 42, 32, .06);
	--wrap: 1140px;
	--gutter: clamp(16px, 4vw, 32px);
	--font-head: "Lato", system-ui, sans-serif;
	--font-body: "Roboto", system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; overflow-x: clip; }
body { margin: 0; background: var(--white); color: var(--text); font: 400 17px/1.65 var(--font-body); }
img, video, iframe { max-width: 100%; height: auto; }
a { color: var(--g700); text-underline-offset: 3px; }
a:hover { color: var(--g800); }
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--ink); line-height: 1.2; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); font-weight: 900; }
h2 { font-size: clamp(1.55rem, 3vw, 2.2rem); font-weight: 900; }
h3 { font-size: 1.25rem; font-weight: 700; }
h2 strong, h1 strong { font-weight: inherit; }
p { margin: 0 0 1em; }
hr { border: 0; border-top: 1px solid var(--line); margin: 2rem 0; }
table { border-collapse: collapse; width: 100%; }
th, td { padding: .6rem .75rem; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.screen-reader-text { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--white); padding: 8px 12px; z-index: 100; }
.skip-link:focus { left: 8px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

/* Buttons */
.ltm-btn, .wp-block-button__link {
	display: inline-flex; align-items: center; justify-content: center; gap: .5em;
	padding: .8em 1.5em; border-radius: 999px; border: 2px solid var(--g700);
	background: var(--g700); color: var(--white); font: 700 .95rem/1.2 var(--font-head);
	text-decoration: none; text-transform: uppercase; letter-spacing: .04em; cursor: pointer;
	transition: background .15s, border-color .15s, color .15s, transform .15s;
}
.ltm-btn:hover { background: var(--g800); border-color: var(--g800); color: var(--white); transform: translateY(-1px); }
.ltm-btn--gold { background: var(--gold); border-color: var(--gold); color: var(--g950); }
.ltm-btn--gold:hover { background: var(--gold-700); border-color: var(--gold-700); color: var(--g950); }
.ltm-btn--ghost { background: transparent; color: var(--g700); }
.ltm-btn--ghost:hover { background: var(--g700); color: var(--white); }
.ltm-btn--light { background: transparent; border-color: rgba(255,255,255,.7); color: var(--white); }
.ltm-btn--light:hover { background: var(--white); color: var(--g800); border-color: var(--white); }
.ltm-btn--sm { padding: .55em 1.1em; font-size: .8rem; }
p > .ltm-btn { margin: .25rem .5rem .25rem 0; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid var(--line); }
.admin-bar .site-header { top: 32px; }
.site-header__inner { max-width: 1280px; margin: 0 auto; padding: 10px var(--gutter); display: flex; align-items: center; gap: 24px; }
.site-logo img { display: block; height: 58px; width: auto; }
.site-nav { margin-left: auto; display: flex; align-items: center; gap: 18px; }
.site-nav .menu, .site-nav .menu ul { list-style: none; margin: 0; padding: 0; }
.site-nav .menu { display: flex; gap: 2px; }
.site-nav .menu > li { position: relative; }
.site-nav a { display: block; padding: 10px 12px; color: var(--ink); text-decoration: none; font: 700 .82rem/1.2 var(--font-head); text-transform: uppercase; letter-spacing: .05em; border-radius: var(--radius-sm); }
.site-nav a:hover, .site-nav .current-menu-item > a, .site-nav .current-menu-ancestor > a { color: var(--g700); background: var(--g50); }
.site-nav .sub-menu { position: absolute; top: 100%; left: 0; min-width: 260px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 8px; opacity: 0; visibility: hidden; transform: translateY(6px); transition: .15s; }
.site-nav .sub-menu .sub-menu { top: -9px; left: 100%; }
.site-nav li:hover > .sub-menu, .site-nav li:focus-within > .sub-menu { opacity: 1; visibility: visible; transform: none; }
.site-nav .sub-menu a { text-transform: none; letter-spacing: 0; font: 500 .95rem/1.3 var(--font-body); }
.site-nav .menu-item-has-children > a::after { content: ""; display: inline-block; margin-left: 6px; width: 6px; height: 6px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(45deg) translateY(-3px); opacity: .6; }
.site-nav .sub-menu .menu-item-has-children > a::after { transform: rotate(-45deg); float: right; margin-top: 6px; }
.nav-toggle { display: none; margin-left: auto; width: 44px; height: 44px; border: 0; background: none; padding: 10px; cursor: pointer; }
.nav-toggle span:not(.screen-reader-text) { display: block; height: 2px; background: var(--ink); margin: 5px 0; transition: .2s; }

@media (max-width: 1080px) {
	.nav-toggle { display: block; }
	.site-header { backdrop-filter: none; background: #fff; }
	.site-nav { visibility: hidden; }
	.nav-open .site-nav { visibility: visible; }
	.site-nav { position: fixed; inset: 79px 0 0; margin: 0; background: var(--white); flex-direction: column; align-items: stretch; padding: 12px var(--gutter) 40px; overflow-y: auto; transform: translateX(100%); transition: transform .25s; }
	.admin-bar .site-nav { inset: 125px 0 0; }
	.nav-open .site-nav { transform: none; }
	.site-nav .menu { flex-direction: column; }
	.site-nav a { padding: 14px 8px; font-size: .95rem; border-bottom: 1px solid var(--g50); border-radius: 0; }
	.site-nav .sub-menu, .site-nav .sub-menu .sub-menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 0 0 0 14px; display: none; min-width: 0; }
	.site-nav li.is-open > .sub-menu { display: block; }
	.site-nav__cta { padding-top: 16px; }
	.site-nav__cta .ltm-btn { width: 100%; }
	.nav-open { overflow: hidden; }
	.nav-open .nav-toggle span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
	.nav-open .nav-toggle span:nth-child(2) { opacity: 0; }
	.nav-open .nav-toggle span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
}

/* Page hero */
.page-hero { background: var(--g800); color: var(--white); position: relative; overflow: hidden; }
.page-hero::after { content: ""; position: absolute; right: -80px; bottom: -120px; width: 340px; height: 340px; border-radius: 50%; border: 48px solid rgba(218,184,68,.16); }
.page-hero__inner { max-width: var(--wrap); margin: 0 auto; padding: clamp(40px, 7vw, 76px) var(--gutter); position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); margin: 0; max-width: 820px; }
.page-hero__lead { margin: 14px 0 0; max-width: 680px; font-size: 1.15rem; color: rgba(255,255,255,.85); }
.crumbs { font-size: .85rem; margin-bottom: 12px; color: rgba(255,255,255,.6); }
.crumbs a { color: rgba(255,255,255,.85); text-decoration: none; }
.crumbs span { margin: 0 8px; }

/* Content bands — imported pages use <section class="ltm-band"> */
.ltm-content { overflow-x: clip; }
.ltm-content > :not(section):not(.alignfull) { max-width: calc(var(--wrap) + 2 * var(--gutter)); margin-left: auto; margin-right: auto; padding-left: var(--gutter); padding-right: var(--gutter); }
.ltm-content > :not(section):first-child { margin-top: clamp(32px, 5vw, 56px); }
.ltm-content > :not(section):last-child { margin-bottom: clamp(40px, 6vw, 72px); }
.ltm-band { padding: clamp(44px, 7vw, 88px) max(var(--gutter), calc((100% - var(--wrap)) / 2)); }
.ltm-band:nth-of-type(even) { background: var(--g50); }
.ltm-band > p:first-child:not(:only-child) { font: 700 .8rem/1.4 var(--font-head); letter-spacing: .14em; text-transform: uppercase; color: var(--g700); }
.ltm-band--image, .ltm-band--dark { position: relative; background-color: var(--g900); background-size: cover; background-position: center; color: rgba(255,255,255,.9); isolation: isolate; }
.ltm-band--image::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(12,42,32,.9), rgba(12,42,32,.65)); z-index: -1; }
.ltm-band--image :is(h1,h2,h3,h4,strong), .ltm-band--dark :is(h1,h2,h3,h4,strong) { color: var(--white); }
.ltm-band--image > p:first-child, .ltm-band--dark > p:first-child { color: var(--gold); }
.ltm-band--image a:not(.ltm-btn), .ltm-band--dark a:not(.ltm-btn) { color: var(--gold); }
.ltm-band--gold { background: var(--gold-50) !important; }
.ltm-cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: clamp(20px, 3vw, 40px); margin: 1.5rem 0; align-items: start; }
.ltm-col > :last-child { margin-bottom: 0; }
.ltm-col img { border-radius: var(--radius); }
.ltm-box { background: var(--gold-50); border: 1px solid #efdfa6; border-left: 5px solid var(--gold); border-radius: var(--radius); padding: 22px 24px; margin: 1.5rem 0; }
.ltm-box > :last-child { margin-bottom: 0; }
.ltm-content ul li::marker { color: var(--g700); }
.ltm-content figure { margin: 0 0 1em; }
.ltm-content img { border-radius: var(--radius-sm); }

/* Cards */
.ltm-cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 20px; margin: 1.5rem 0; }
.ltm-card { display: flex; flex-direction: column; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; text-decoration: none; color: var(--text); transition: transform .15s, box-shadow .15s, border-color .15s; }
.ltm-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--g100); color: var(--text); }
.ltm-card__img img { display: block; width: 100%; aspect-ratio: 16/10; object-fit: cover; border-radius: 0; }
.ltm-card__body { display: flex; flex-direction: column; gap: 8px; padding: 20px 22px 22px; flex: 1; }
.ltm-card__body strong { font: 900 1.15rem/1.3 var(--font-head); color: var(--ink); }
.ltm-card__more { margin-top: auto; padding-top: 8px; font: 700 .8rem var(--font-head); color: var(--g700); text-transform: uppercase; letter-spacing: .06em; }

/* Home */
.home-hero { background: var(--g800); color: var(--white); padding: clamp(56px, 9vw, 110px) var(--gutter) clamp(48px, 7vw, 90px); text-align: center; position: relative; overflow: hidden; }
.home-hero::before, .home-hero::after { content: ""; position: absolute; border-radius: 50%; border: 60px solid rgba(218,184,68,.12); }
.home-hero::before { width: 420px; height: 420px; left: -200px; top: -160px; }
.home-hero::after { width: 300px; height: 300px; right: -120px; bottom: -150px; }
.home-hero h1 { color: var(--white); font-size: clamp(2.2rem, 5.6vw, 3.8rem); max-width: 900px; margin: 0 auto 18px; position: relative; z-index: 1; }
.home-hero h1 em { font-style: normal; color: var(--gold); }
.home-hero p { max-width: 640px; margin: 0 auto 28px; font-size: 1.15rem; color: rgba(255,255,255,.88); position: relative; z-index: 1; }
.home-hero .ltm-btn { position: relative; z-index: 1; margin: 6px; }
.home-stat { position: relative; min-height: 280px; display: grid; place-items: center; text-align: center; background-size: cover; background-position: center; padding: 60px var(--gutter); isolation: isolate; }
.home-stat::before { content: ""; position: absolute; inset: 0; background: rgba(12,42,32,.35); z-index: -1; }
.home-stat__card { background: rgba(255,255,255,.95); border-radius: var(--radius); padding: 28px 36px; max-width: 560px; box-shadow: var(--shadow); }
.home-stat__card strong { display: block; font: 900 clamp(1.4rem, 3vw, 2rem)/1.2 var(--font-head); color: var(--g700); margin-bottom: 6px; }
.home-paths { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 24px; margin-top: 28px; }
.home-path { border-radius: var(--radius); padding: 34px 32px; display: flex; flex-direction: column; gap: 10px; background: var(--white); border: 1px solid var(--line); border-top: 6px solid var(--g700); }
.home-path--employer { border-top-color: var(--gold); }
.home-path h3 { font-size: 1.5rem; margin: 0; }
.home-path .eyebrow { font: 700 .78rem var(--font-head); letter-spacing: .14em; color: var(--g700); text-transform: uppercase; }
.home-path .ltm-btn { align-self: flex-start; margin-top: auto; }
.home-quote { text-align: center; }
.home-quote blockquote { margin: 0 auto; max-width: 820px; font: 900 clamp(1.4rem, 3vw, 2.1rem)/1.3 var(--font-head); color: var(--white); }
.home-quote p { margin: 14px auto 0; max-width: 620px; }
.ltm-quotes { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; margin-top: 28px; }
.ltm-quotes figure { margin: 0; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 24px 22px; position: relative; }
.ltm-quotes figure::before { content: "\201C"; position: absolute; top: 4px; left: 18px; font: 900 3.4rem/1 var(--font-head); color: var(--gold); }
.ltm-quotes blockquote { margin: 18px 0 14px; font-size: 1rem; color: var(--ink); }
.ltm-quotes figcaption { font: 700 .85rem var(--font-head); color: var(--g700); }
.center { text-align: center; }
.center > p { margin-left: auto; margin-right: auto; max-width: 680px; }

/* Footer */
.footer-join { background: var(--gold); }
.footer-join__inner { max-width: var(--wrap); margin: 0 auto; padding: 40px var(--gutter); display: grid; grid-template-columns: 1.1fr 1fr; gap: 28px; align-items: center; }
.footer-join h2 { font-size: 1.5rem; color: var(--g950); margin-bottom: 6px; }
.footer-join p { margin: 0; color: var(--g900); }
@media (max-width: 760px) { .footer-join__inner { grid-template-columns: 1fr; } }
.site-footer { background: var(--g950); color: rgba(255,255,255,.75); font-size: .95rem; }
.site-footer a { color: rgba(255,255,255,.85); text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.site-footer__inner { max-width: var(--wrap); margin: 0 auto; padding: 56px var(--gutter) 36px; display: grid; grid-template-columns: 1fr 2fr; gap: 40px; }
.site-logo--footer img { height: 64px; background: var(--white); padding: 8px 12px; border-radius: var(--radius-sm); }
.site-footer__brand p { margin-top: 16px; max-width: 320px; }
.footer-menu { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 24px; }
.footer-menu > li > a { font: 700 .8rem var(--font-head); color: var(--gold); text-transform: uppercase; letter-spacing: .1em; }
.footer-menu ul { list-style: none; margin: 10px 0 0; padding: 0; display: grid; gap: 6px; }
.site-footer__legal { border-top: 1px solid rgba(255,255,255,.1); max-width: var(--wrap); margin: 0 auto; padding: 18px var(--gutter) 28px; display: flex; flex-wrap: wrap; gap: 12px 28px; justify-content: space-between; font-size: .85rem; }
.legal-menu { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 18px; }
@media (max-width: 760px) { .site-footer__inner { grid-template-columns: 1fr; } }

/* Forms (shared with plugins) */
.ltm-form { display: grid; gap: 14px; }
.ltm-form label { display: grid; gap: 6px; font: 500 .9rem var(--font-body); color: var(--ink); }
.ltm-form input:not([type=checkbox]):not([type=radio]), .ltm-form select, .ltm-form textarea {
	width: 100%; padding: .75em .9em; border: 1px solid #c9d4ce; border-radius: var(--radius-sm); font: inherit; font-size: 1rem; background: var(--white); color: var(--ink);
}
.ltm-form input:focus, .ltm-form select:focus, .ltm-form textarea:focus { outline: none; border-color: var(--g700); box-shadow: 0 0 0 3px rgba(0,102,51,.15); }
.ltm-form .ltm-check { display: flex; gap: 10px; align-items: flex-start; font-weight: 400; }
.ltm-form .ltm-check input { margin-top: 4px; accent-color: var(--g700); }
.ltm-form__row { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 14px; }
.ltm-notice { padding: 14px 18px; border-radius: var(--radius-sm); background: var(--g100); color: var(--g900); margin: 0 0 1rem; }
.ltm-notice--error { background: #fdecea; color: #8a1c13; }