/* ============================================================
   MutualFund.ca — design system
   Red & white dominant; black + silver accents; neutral tones.
   (--navy now maps to near-black, --gold to silver — var names
   kept so markup didn't need to change.)
   ============================================================ */
:root {
  --navy: #16181B;
  --navy-2: #232629;
  --navy-3: #2F3338;
  --red: #D52B1E;
  --red-dark: #B02318;
  --gold: #C3CAD3;
  --gold-dark: #6E7884;
  --paper: #F7F7F8;
  --card: #FFFFFF;
  --ink: #17191C;
  --muted: #5D646D;
  --border: #E2E4E8;
  --green: #1E7C46;
  --shadow: 0 10px 30px rgba(10, 11, 13, 0.10);
  --shadow-lg: 0 24px 60px rgba(10, 11, 13, 0.18);
  --radius: 14px;
  --font-display: "Inter", -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-body: "Inter", -apple-system, "Segoe UI", Roboto, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font-family: var(--font-body); font-size: 16.5px; line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; }
a { color: var(--navy-3); text-decoration-thickness: 1px; text-underline-offset: 2px; }
a:hover { color: var(--red); }
h1, h2, h3 { font-family: var(--font-display); color: var(--navy); line-height: 1.15; letter-spacing: -0.02em; }
h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); font-weight: 700; }
h3 { font-size: 1.25rem; font-weight: 700; }
.wrap { max-width: 1180px; margin: 0 auto; padding: 0 1.25rem; }
.skip-link { position: absolute; left: -999px; }
.skip-link:focus { left: 1rem; top: 1rem; background: #fff; padding: .5rem 1rem; z-index: 99; }

/* ---------- Header ---------- */
.site-header {
  background: var(--navy); color: #fff; position: sticky; top: 0; z-index: 50;
  border-bottom: 3px solid var(--red);
}
.header-inner { display: flex; align-items: center; gap: 1.5rem; min-height: 64px; }
.brand { display: flex; align-items: center; gap: .55rem; text-decoration: none; }
.brand-word { font-family: var(--font-display); font-weight: 800; font-size: 1.35rem; color: #fff; }
.brand-fund { color: var(--red); }
.brand-ca { color: var(--gold); }
.site-nav { display: flex; align-items: center; gap: .25rem; margin-left: auto; flex-wrap: wrap; }
.nav-item {
  color: #E9EAEC; text-decoration: none; font-weight: 600; font-size: .92rem;
  padding: .55rem .75rem; border-radius: 8px;
}
.nav-item:hover { background: var(--navy-2); color: #fff; }
.nav-genie { color: var(--gold); }
.nav-cta { background: var(--red); color: #fff !important; }
.nav-cta:hover { background: var(--red-dark); }
.has-drop { position: relative; }
/* The dropdown trigger is a plain <a> inside .nav-item — without this it
   inherited the dark default link color and vanished on the dark header. */
.has-drop > a { display: block; color: inherit; text-decoration: none; }
.dropdown {
  display: none; position: absolute; top: 100%; left: 0; min-width: 260px;
  background: #fff; border-radius: 0 0 12px 12px; box-shadow: var(--shadow-lg);
  padding: .5rem 0; z-index: 60;
}
.has-drop:hover .dropdown, .has-drop:focus-within .dropdown { display: block; }
.dropdown a { display: block; padding: .5rem 1.1rem; color: var(--ink); text-decoration: none; font-size: .92rem; }
.dropdown a:hover { background: var(--paper); color: var(--red); }
.dropdown .drop-all { border-top: 1px solid var(--border); margin-top: .4rem; font-weight: 700; color: var(--red); }
.nav-toggle { display: none; margin-left: auto; background: none; border: 0; cursor: pointer; padding: .5rem; }
.nav-toggle span { display: block; width: 26px; height: 3px; background: #fff; margin: 5px 0; border-radius: 2px; transition: .2s; }

/* ---------- Flash ---------- */
.flash { padding: .7rem 0; font-weight: 600; }
.flash-success { background: #E8F6EE; color: var(--green); }
.flash-error { background: #FDECEA; color: var(--red-dark); }
.flash-info { background: #EEF0F2; color: var(--navy-2); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block; padding: .75rem 1.5rem; border-radius: 10px; border: 0;
  font-family: var(--font-body); font-weight: 700; font-size: 1rem; cursor: pointer;
  text-decoration: none; text-align: center; transition: transform .12s, box-shadow .12s;
}
.btn:hover { transform: translateY(-1px); box-shadow: var(--shadow); }
.btn-red { background: var(--red); color: #fff; }
.btn-red:hover { background: var(--red-dark); color: #fff; }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { color: var(--gold); }
.btn-gold { background: #fff; color: var(--ink); }
.btn-gold:hover { background: var(--gold); color: var(--ink); }
.btn-ghost { background: transparent; color: var(--navy); border: 2px solid var(--navy); }
.btn-ghost:hover { background: var(--navy); color: #fff; }
.btn-sm { padding: .4rem .9rem; font-size: .85rem; border-radius: 8px; }
.btn-lg { padding: .95rem 2.1rem; font-size: 1.1rem; }

/* ---------- Hero ---------- */
.hero {
  background:
    radial-gradient(1200px 500px at 80% -10%, rgba(255, 255, 255, .07), transparent 60%),
    radial-gradient(900px 420px at 10% 110%, rgba(213, 43, 30, .25), transparent 55%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 70%, var(--navy-3) 100%);
  color: #fff; padding: 4.5rem 0 5rem; position: relative; overflow: hidden;
}
.hero h1 { color: #fff; margin: 0 0 1rem; max-width: 18ch; }
.hero h1 em { font-style: normal; color: var(--gold); }
.hero p.lede { font-size: 1.2rem; color: #C9CDD3; max-width: 56ch; margin: 0 0 1.8rem; }
.hero-actions { display: flex; gap: .9rem; flex-wrap: wrap; }
.hero-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 3rem; align-items: center; }
.hero-maple {
  position: absolute; right: -60px; top: -40px; width: 380px; opacity: .07; pointer-events: none;
}
.hero-stats { display: flex; gap: 2.2rem; margin-top: 2.4rem; flex-wrap: wrap; }
.hero-stat strong { display: block; font-family: var(--font-display); font-size: 1.7rem; color: var(--gold); }
.hero-stat span { color: #9CA3AD; font-size: .85rem; }

/* Genie teaser card in hero */
.genie-card {
  background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .35);
  border-radius: var(--radius); padding: 1.4rem; backdrop-filter: blur(6px);
}
.genie-card h3 { color: var(--gold); margin: 0 0 .6rem; display: flex; gap: .5rem; align-items: center; }
.genie-card .bubble {
  background: rgba(255, 255, 255, .94); color: var(--ink); border-radius: 10px;
  padding: .7rem .9rem; font-size: .92rem; margin: .55rem 0;
}
.genie-card .bubble.q { background: var(--red); color: #fff; margin-left: 2rem; }
.genie-card .try { margin-top: 1rem; }

/* ---------- Sections / cards ---------- */
.section { padding: 3.5rem 0; }
.section-alt { background: #fff; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.section-head { display: flex; align-items: baseline; justify-content: space-between; gap: 1rem; margin-bottom: 1.6rem; flex-wrap: wrap; }
.section-head .more { font-weight: 700; white-space: nowrap; }
.kicker {
  display: inline-block; text-transform: uppercase; letter-spacing: .12em; font-size: .75rem;
  font-weight: 700; color: var(--red); margin-bottom: .4rem;
}
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.4rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; }
.card {
  background: var(--card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: 0 2px 10px rgba(11, 31, 58, .04);
  transition: transform .15s, box-shadow .15s;
}
a.card { text-decoration: none; color: var(--ink); display: block; }
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.card h3 { margin: .2rem 0 .5rem; }
.card p { color: var(--muted); font-size: .94rem; margin: 0; }
.card .icon { font-size: 1.7rem; }
.card-featured { border: 2px solid var(--ink); box-shadow: 0 6px 24px rgba(10, 11, 13, .10); }

/* Checklist (pricing, feature lists) */
.checklist { list-style: none; padding: 0; margin: .8rem 0 0; }
.checklist li { padding: .35rem 0 .35rem 1.6rem; position: relative; color: var(--ink); font-size: .95rem; }
.checklist li::before { content: "✓"; position: absolute; left: 0; color: var(--red); font-weight: 700; }

/* Post cards */
.post-card { display: flex; flex-direction: column; gap: .4rem; }
.post-card .cat { font-size: .75rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--red); }
.post-card h3 a { color: var(--navy); text-decoration: none; }
.post-card h3 a:hover { color: var(--red); }
.post-card .meta { color: var(--muted); font-size: .82rem; margin-top: auto; }

/* News */
.news-list { list-style: none; margin: 0; padding: 0; }
.news-list li { padding: .85rem 0; border-bottom: 1px solid var(--border); display: flex; gap: 1rem; align-items: baseline; }
.news-list .src { flex: 0 0 150px; font-size: .78rem; font-weight: 700; color: var(--red); text-transform: uppercase; letter-spacing: .05em; }
.news-list a { color: var(--ink); text-decoration: none; font-weight: 600; }
.news-list a:hover { color: var(--red); }
.news-list .when { margin-left: auto; color: var(--muted); font-size: .8rem; white-space: nowrap; }
.ticker {
  background: var(--navy); color: #fff; overflow: hidden; white-space: nowrap;
  border-bottom: 1px solid var(--navy-2); font-size: .88rem; padding: .45rem 0;
}
.ticker .tick-label { background: var(--red); padding: .2rem .7rem; border-radius: 4px; font-weight: 800; margin-right: 1rem; }
.ticker a { color: #D4D8DE; text-decoration: none; margin-right: 2.5rem; }
.ticker a:hover { color: var(--gold); }

/* ---------- Prose (articles & pages) ---------- */
.prose { max-width: 760px; }
.prose h2 { margin-top: 2.2rem; }
.prose h3 { margin-top: 1.8rem; }
.prose p, .prose li { font-size: 1.05rem; }
.prose blockquote {
  border-left: 4px solid var(--gold); margin: 1.5rem 0; padding: .5rem 0 .5rem 1.2rem;
  color: var(--muted); font-style: italic;
}
.prose table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; font-size: .95rem; }
.prose th, .prose td { border: 1px solid var(--border); padding: .6rem .8rem; text-align: left; }
.prose th { background: var(--navy); color: #fff; }
.prose tr:nth-child(even) { background: #F7F8F9; }
.prose .callout {
  background: #F3F4F6; border: 1px solid var(--gold); border-radius: 10px; padding: 1rem 1.2rem; margin: 1.5rem 0;
}
.prose .callout.genie { background: #EEF0F2; border-color: var(--navy-3); }
.article-head { padding: 3rem 0 1rem; }
.article-head .meta { color: var(--muted); font-size: .9rem; }
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 3rem; padding: 1rem 0 3rem; }
.sidebar .card { margin-bottom: 1.2rem; }
.toc { font-size: .9rem; }
.breadcrumbs { font-size: .82rem; color: var(--muted); padding-top: 1.2rem; }
.breadcrumbs a { color: var(--muted); }

/* FAQ block */
.faq details { border: 1px solid var(--border); border-radius: 10px; background: #fff; margin: .6rem 0; padding: .9rem 1.1rem; }
.faq summary { font-weight: 700; cursor: pointer; color: var(--navy); }
.faq details[open] summary { color: var(--red); }

/* ---------- Forms ---------- */
.form-card { max-width: 520px; margin: 3rem auto; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 2rem; box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 1rem; }
label { display: block; font-weight: 600; font-size: .88rem; margin: .9rem 0 .3rem; }
input[type=text], input[type=email], input[type=password], input[type=number], input[type=date], input[type=url], select, textarea {
  width: 100%; padding: .65rem .8rem; border: 1px solid #CBD2DD; border-radius: 8px;
  font-family: var(--font-body); font-size: 1rem; background: #fff;
}
input:focus, select:focus, textarea:focus { outline: 2px solid var(--navy-3); border-color: var(--navy-3); }
textarea { min-height: 120px; resize: vertical; }
.hp-field { position: absolute !important; left: -9999px !important; height: 0; width: 0; opacity: 0; }
.form-note { font-size: .82rem; color: var(--muted); }

/* ---------- Genie chat ---------- */
.genie-hero { background: linear-gradient(160deg, var(--navy), var(--navy-3)); color: #fff; padding: 2.5rem 0; }
.genie-hero h1 { color: var(--gold); margin: 0 0 .4rem; }
.genie-hero p { color: #C9CDD3; margin: 0; }
.chat-shell { max-width: 860px; margin: 2rem auto 3rem; }
.chat-window {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow); min-height: 380px; max-height: 60vh; overflow-y: auto; padding: 1.4rem;
}
.msg { margin: .8rem 0; display: flex; }
.msg-inner { max-width: 80%; padding: .8rem 1.05rem; border-radius: 14px; font-size: .97rem; }
.msg.user { justify-content: flex-end; }
.msg.user .msg-inner { background: var(--navy); color: #fff; border-bottom-right-radius: 4px; }
.msg.genie .msg-inner { background: #F2F3F4; border: 1px solid var(--border); border-bottom-left-radius: 4px; }
.msg.genie .msg-inner p:first-child { margin-top: 0; }
.msg.genie .msg-inner p:last-child { margin-bottom: 0; }
.chat-input { display: flex; gap: .7rem; margin-top: 1rem; }
.chat-input textarea { flex: 1; min-height: 54px; max-height: 160px; }
.chat-meta { display: flex; justify-content: space-between; color: var(--muted); font-size: .8rem; margin-top: .5rem; flex-wrap: wrap; gap: .5rem; }
.chat-suggest { display: flex; gap: .5rem; flex-wrap: wrap; margin-top: 1rem; }
.chat-suggest button {
  background: #fff; border: 1px solid var(--border); border-radius: 999px; padding: .45rem .95rem;
  font-size: .85rem; cursor: pointer; color: var(--navy);
}
.chat-suggest button:hover { border-color: var(--red); color: var(--red); }
.typing { color: var(--muted); font-style: italic; }

/* ---------- Portfolio ---------- */
.table { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: 0 2px 10px rgba(11,31,58,.05); }
.table th { background: var(--navy); color: #fff; text-align: left; padding: .7rem .9rem; font-size: .85rem; }
.table td { padding: .7rem .9rem; border-bottom: 1px solid var(--border); font-size: .93rem; }
.table tr:last-child td { border-bottom: 0; }
.num { text-align: right; font-variant-numeric: tabular-nums; }
.gain { color: var(--green); font-weight: 700; }
.loss { color: var(--red-dark); font-weight: 700; }
.stat-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin: 1.5rem 0; }
.stat-card { background: #fff; border: 1px solid var(--border); border-radius: 12px; padding: 1rem 1.2rem; }
.stat-card .label { font-size: .78rem; text-transform: uppercase; letter-spacing: .07em; color: var(--muted); }
.stat-card .value { font-family: var(--font-display); font-size: 1.5rem; font-weight: 700; color: var(--navy); }
.badge { display: inline-block; font-size: .72rem; font-weight: 700; padding: .15rem .6rem; border-radius: 999px; text-transform: uppercase; letter-spacing: .05em; }
.badge-sim { background: #ECEEF1; color: var(--navy-2); }
.badge-real { background: #E8F6EE; color: var(--green); }
.badge-plus { background: var(--navy); color: #fff; }

/* ---------- Pricing ---------- */
.pricing-grid { display: grid; grid-template-columns: repeat(2, minmax(280px, 420px)); gap: 1.6rem; justify-content: center; margin: 2.5rem 0; }
.price-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 2rem; position: relative; }
.price-card.featured { border: 2px solid var(--ink); box-shadow: var(--shadow-lg); }
.price-card .plan { font-weight: 800; text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; color: var(--muted); }
.price-card .price { font-family: var(--font-display); font-size: 2.6rem; font-weight: 800; color: var(--navy); margin: .4rem 0; }
.price-card .price small { font-size: 1rem; color: var(--muted); font-weight: 400; }
.price-card ul { list-style: none; padding: 0; margin: 1.2rem 0; }
.price-card li { padding: .4rem 0 .4rem 1.6rem; position: relative; font-size: .95rem; }
.price-card li::before { content: "✓"; position: absolute; left: 0; color: var(--green); font-weight: 800; }
.price-card li.no::before { content: "—"; color: var(--muted); }
.ribbon { position: absolute; top: -14px; left: 50%; transform: translateX(-50%); background: var(--red); color: #fff; font-weight: 800; font-size: .75rem; padding: .25rem .9rem; border-radius: 999px; text-transform: uppercase; letter-spacing: .06em; }

/* ---------- Ads ---------- */
.ad-unit { margin: 1.5rem 0; text-align: center; position: relative; }
.ad-unit .ad-label { display: block; font-size: .65rem; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); margin-top: .3rem; }
.house-ad { display: block; background: linear-gradient(135deg, var(--navy), var(--navy-3)); color: #fff; border-radius: 12px; padding: 1.2rem; text-decoration: none; text-align: left; }
.house-ad strong { display: block; color: var(--gold); font-size: 1.05rem; margin-bottom: .3rem; }
.house-ad span { color: #C9CDD3; font-size: .88rem; }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(135deg, var(--red), var(--red-dark)); color: #fff; padding: 3rem 0; text-align: center; }
.cta-band h2 { color: #fff; margin: 0 0 .6rem; }
.cta-band p { color: #FBD9D5; max-width: 60ch; margin: 0 auto 1.5rem; }

/* ---------- Advisors ---------- */
.advisor-card { display: flex; flex-direction: column; }
.advisor-card .firm { color: var(--red); font-weight: 700; font-size: .85rem; }
.advisor-card .loc { color: var(--muted); font-size: .85rem; }

/* ---------- Pagination ---------- */
.pagination { display: flex; gap: .4rem; justify-content: center; margin: 2.5rem 0; }
.pagination a, .pagination span { padding: .45rem .85rem; border-radius: 8px; border: 1px solid var(--border); text-decoration: none; background: #fff; }
.pagination .current { background: var(--navy); color: #fff; border-color: var(--navy); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #BCC1C8; margin-top: 4rem; padding: 3rem 0 1.5rem; border-top: 4px solid var(--red); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1.3fr; gap: 2rem; }
.footer-col h4 { color: var(--gold); margin: 0 0 .8rem; font-family: var(--font-display); }
.footer-col a { display: block; color: #BCC1C8; text-decoration: none; padding: .22rem 0; font-size: .9rem; }
.footer-col a:hover { color: #fff; }
.footer-blurb { font-size: .82rem; line-height: 1.6; }
.footer-sub { display: flex; gap: .5rem; margin-top: .6rem; }
.footer-sub input[type=email] { flex: 1; border-radius: 8px; border: 0; padding: .6rem .7rem; }
.footer-sub button { background: var(--red); border: 0; color: #fff; border-radius: 8px; padding: .6rem 1rem; font-weight: 700; cursor: pointer; }
.footer-legal { border-top: 1px solid var(--navy-2); margin-top: 2.5rem; padding-top: 1.2rem; font-size: .76rem; color: #878E98; }

/* ---------- Error ---------- */
.error-page { text-align: center; padding: 6rem 1rem; }
.error-page .code { font-family: var(--font-display); font-size: 6rem; font-weight: 800; color: var(--red); line-height: 1; }

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-grid { grid-template-columns: 1fr; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .article-layout { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .stat-cards { grid-template-columns: repeat(2, 1fr); }
  .pricing-grid { grid-template-columns: 1fr; }
}
@media (max-width: 720px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .nav-toggle { display: block; }
  .site-nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: var(--navy); flex-direction: column; align-items: stretch; padding: .8rem 1.2rem 1.2rem;
    border-bottom: 3px solid var(--red);
  }
  .site-nav.open { display: flex; }
  .dropdown { position: static; box-shadow: none; background: var(--navy-2); border-radius: 8px; }
  .dropdown a { color: #D4D8DE; }
  .has-drop:hover .dropdown { display: none; }
  .has-drop.open .dropdown { display: block; }
  .news-list .src { flex-basis: 90px; }
  .news-list .when { display: none; }
}