/* supervisarates.ca — site styles
   One shared stylesheet for every page. Colours live in :root so the
   whole look can be changed in one place. */

:root{
  --navy:#0E2A5C;
  --navy-2:#163A78;
  --navy-ink:#0A1F45;
  --orange:#EB7A12;
  --orange-2:#D96A06;
  --green:#1FAF5A;
  --wa:#25D366;
  --sky:#EAF2FC;
  --sky-2:#F5F8FD;
  --line:#DFE6F0;
  --text:#1E2A3B;
  --muted:#5B6878;
  --white:#fff;
  --tag-green:#E5F6EA; --tag-green-ink:#1D7A3A;
  --tag-blue:#E6EEFC;  --tag-blue-ink:#1F4FB8;
  --tag-purple:#EFE8FB;--tag-purple-ink:#6534B8;
  --tag-amber:#FFF2DF; --tag-amber-ink:#B4600A;
  --radius:14px;
  --radius-sm:10px;
  --shadow:0 6px 24px rgba(14,42,92,.08);
  --shadow-lg:0 14px 40px rgba(14,42,92,.12);
  --font:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --serif:"DM Serif Display",Georgia,"Times New Roman",serif;
  --wrap:1180px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--text);background:var(--white);line-height:1.6;font-size:16px}
img,svg{max-width:100%;display:block}
a{color:var(--navy-2)}
a:hover{color:var(--orange-2)}
h1,h2,h3,h4{color:var(--navy-ink);line-height:1.2;margin:0 0 .5em}
h1{font-family:var(--serif);font-weight:400;font-size:clamp(2rem,4.6vw,3.1rem);letter-spacing:-.01em}
h2{font-family:var(--serif);font-weight:400;font-size:clamp(1.6rem,3.2vw,2.2rem)}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:999}
.skip:focus{left:10px}
.ico{width:22px;height:22px;flex:none;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.ico-sm{width:18px;height:18px}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.hdr{display:flex;align-items:center;gap:24px;height:72px}
.logo{white-space:nowrap;min-width:0;display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy-ink)}
.logo-mark{width:40px;height:40px;border-radius:10px;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:var(--serif);font-size:20px;letter-spacing:-1px}
.logo-txt{display:flex;flex-direction:column;line-height:1.05}
.logo-txt b{font-family:var(--serif);font-weight:400;font-size:1.45rem;color:var(--navy-ink)}
.logo-txt span{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--orange-2);font-weight:600;margin-top:3px}
.nav{margin-left:auto;display:flex;align-items:center;gap:4px}
.nav a{white-space:nowrap;text-decoration:none;color:var(--text);font-size:.93rem;font-weight:500;padding:8px 10px;border-radius:8px}
.nav a:hover,.nav a[aria-current="page"]{color:var(--navy);background:var(--sky)}
.hdr-call{white-space:nowrap;display:flex;align-items:center;gap:10px;background:var(--navy);color:#fff;text-decoration:none;padding:9px 16px;border-radius:12px;line-height:1.15}
.hdr-call:hover{background:var(--navy-2);color:#fff}
.hdr-call small{display:block;font-size:.72rem;opacity:.8}
.hdr-call b{font-size:.98rem}
.hdr-mobile{display:none;margin-left:auto;gap:8px;align-items:center}
.icon-btn{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;text-decoration:none;color:#fff;background:var(--navy);border:0;cursor:pointer}
.icon-btn.wa{background:var(--wa)}
.icon-btn.mail{background:var(--orange)}
.icon-btn.menu{background:transparent;color:var(--navy-ink);border-radius:8px}
.icon-btn .ico{width:20px;height:20px}
.mnav{display:none;border-top:1px solid var(--line);background:#fff}
.mnav.open{display:block}
.mnav a{display:block;padding:14px 20px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--text);font-weight:500}
.trust-strip{background:var(--sky-2);border-bottom:1px solid var(--line)}
.trust-strip ul{list-style:none;margin:0;padding:9px 0;display:flex;justify-content:center;gap:34px;flex-wrap:wrap;font-size:.86rem;color:var(--muted)}
.trust-strip li{display:flex;align-items:center;gap:7px}
.trust-strip .ico{width:17px;height:17px;color:var(--navy)}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font:600 1rem var(--font);text-decoration:none;border-radius:12px;padding:14px 22px;border:2px solid transparent;cursor:pointer;transition:transform .12s ease,background .15s ease,box-shadow .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-orange{background:var(--orange);color:#fff;box-shadow:0 6px 16px rgba(235,122,18,.28)}
.btn-orange:hover{background:var(--orange-2);color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2);color:#fff}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--sky);color:var(--navy)}
.btn-wa{background:#fff;color:var(--navy-ink);border-color:var(--line)}
.btn-wa .ico{color:var(--wa)}
.btn-wa:hover{border-color:var(--wa);color:var(--navy-ink)}
.btn-block{width:100%}
.btn .arrow{margin-left:auto}

/* ---------- Hero ---------- */
.hero{position:relative;background:linear-gradient(180deg,#F3F7FD 0%,#E4EEFA 100%);overflow:hidden;padding:46px 0 40px}
.hero-sky{position:absolute;right:0;bottom:0;width:min(560px,60%);height:auto;opacity:.55;pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:start}
.eyebrow{display:inline-block;background:var(--tag-blue);color:var(--tag-blue-ink);font-weight:600;font-size:.82rem;padding:5px 12px;border-radius:999px;margin-bottom:14px}
.hero p.lead{font-size:1.12rem;color:#2D3B50;max-width:560px}
.hero-ticks{display:flex;gap:26px;flex-wrap:wrap;margin:18px 0 24px;padding:0;list-style:none;font-size:.92rem;color:var(--text)}
.hero-ticks li{display:flex;align-items:center;gap:8px}
.hero-ticks .ico{color:var(--navy)}
.hero-ctas{display:grid;gap:12px;max-width:440px}
.hero-ctas .btn{justify-content:flex-start}

/* ---------- Quote card ---------- */
.quote-card{background:#fff;border-radius:18px;box-shadow:var(--shadow-lg);padding:22px;border:1px solid var(--line)}
.quote-card h2{font-family:var(--font);font-weight:800;font-size:1.3rem;text-align:center;margin-bottom:14px}
.qtabs{display:grid;grid-template-columns:1fr 1fr;background:var(--sky);border-radius:12px;padding:4px;margin-bottom:16px}
.qtabs button{border:0;background:transparent;font:600 .93rem var(--font);color:var(--navy);padding:10px;border-radius:9px;cursor:pointer}
.qtabs button[aria-selected="true"]{background:var(--navy);color:#fff}
.qgrid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:12px}
.field label{display:block;font-size:.82rem;font-weight:600;color:var(--text);margin:0 0 5px 2px}
.field .ctl{display:flex;align-items:center;gap:8px;border:1px solid var(--line);border-radius:10px;padding:0 10px;background:#fff;height:46px}
.field .ctl:focus-within{border-color:var(--navy-2);box-shadow:0 0 0 3px rgba(22,58,120,.12)}
.field .ctl .ico{color:var(--navy);width:19px;height:19px}
.field select,.field input{width:100%;flex:1;border:0;outline:0;background:transparent;font:500 .95rem var(--font);color:var(--text);height:100%;min-width:0}
.qcard-foot{font-size:.82rem;color:var(--muted);text-align:center;margin:10px 0 0;display:flex;gap:6px;justify-content:center;align-items:center}
.plugin-slot{min-height:120px}

/* ---------- Sections ---------- */
.section{padding:64px 0}
.section.alt{background:var(--sky-2)}
.section-head{max-width:760px;margin:0 0 30px}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.section-head p{color:var(--muted);font-size:1.05rem}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.grid-5{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.card p{color:var(--muted);margin-bottom:.6em}
.card .more{font-weight:700;text-decoration:none;color:var(--navy-2)}
.card .more:hover{color:var(--orange-2)}
.badge-ico{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;margin-bottom:14px}
.badge-ico .ico{width:24px;height:24px}
.bi-blue{background:var(--tag-blue);color:var(--tag-blue-ink)}
.bi-green{background:var(--tag-green);color:var(--tag-green-ink)}
.bi-purple{background:var(--tag-purple);color:var(--tag-purple-ink)}
.bi-amber{background:var(--tag-amber);color:var(--tag-amber-ink)}

.features{margin-top:-24px;position:relative}
.features .grid-5{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:20px}
.feat{text-align:center;font-size:.92rem;color:var(--text)}
.feat .fi{width:52px;height:52px;margin:0 auto 8px;border-radius:12px;background:#fff;border:1px solid var(--line);box-shadow:0 3px 10px rgba(14,42,92,.06);display:grid;place-items:center;color:var(--navy)}

.factor{display:flex;gap:14px;align-items:flex-start}
.factor .badge-ico{margin:0;width:46px;height:46px}
.factor h3{margin-bottom:.25em}
.factor p{color:var(--muted);margin:0}

.tag{display:inline-block;font-size:.78rem;font-weight:700;padding:4px 10px;border-radius:6px}
.tag-green{background:var(--tag-green);color:var(--tag-green-ink)}
.tag-blue{background:var(--tag-blue);color:var(--tag-blue-ink)}
.tag-purple{background:var(--tag-purple);color:var(--tag-purple-ink)}
.tag-amber{background:var(--tag-amber);color:var(--tag-amber-ink)}

.req-box{background:#F2F7FF;border:1px solid #CFE0FA;border-radius:var(--radius);padding:22px}
.note-box{background:#FFF8EC;border:1px solid #F6DDB3;border-radius:var(--radius);padding:22px}
.req-box h3,.note-box h3{display:flex;gap:10px;align-items:center}
.checks{list-style:none;padding:0;margin:0}
.checks li{display:flex;gap:10px;align-items:flex-start;padding:5px 0}
.checks li .ico{color:var(--green);margin-top:3px;width:19px;height:19px}
.tip{display:flex;gap:16px;align-items:center;background:#FFF8EC;border:1px solid #F6DDB3;border-radius:var(--radius);padding:18px 20px}
.tip .bulb{width:48px;height:48px;border-radius:50%;background:#FDE8BF;display:grid;place-items:center;color:#9A5B00;flex:none}
.tip p{margin:0}

.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{position:relative;padding-top:8px}
.step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--orange);color:#fff;font-weight:800;margin-bottom:12px}

.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-weight:600;color:var(--navy-ink);font-size:.93rem}

.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table.tbl{width:100%;border-collapse:collapse;font-size:.95rem;min-width:560px}
.tbl th,.tbl td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.tbl th{background:var(--sky-2);color:var(--navy-ink);font-weight:700}
.tbl tr:last-child td{border-bottom:0}

.advisor{display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:center}
.avatar{width:110px;height:110px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:var(--serif);font-size:2.4rem;border:4px solid #fff;box-shadow:var(--shadow)}
.avatar{overflow:hidden;padding:0}
.avatar img{width:100%;height:100%;object-fit:cover;border-radius:50%}
.advisor .creds{display:flex;gap:16px;flex-wrap:wrap;font-size:.88rem;color:var(--muted);margin-top:8px}
.advisor .creds span{display:flex;gap:6px;align-items:center}
.advisor .creds .ico{width:17px;height:17px;color:var(--navy)}

/* FAQ */
.faq{display:grid;gap:10px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 18px}
.faq summary{cursor:pointer;list-style:none;padding:16px 28px 16px 0;font-weight:600;color:var(--navy-ink);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:4px;top:50%;width:9px;height:9px;border-right:2px solid var(--navy);border-bottom:2px solid var(--navy);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq details>div{padding:0 0 16px;color:var(--muted)}
.faq details>div p:last-child{margin:0}

.cta-band{background:var(--navy);color:#fff;border-radius:20px;padding:36px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.cta-band h2{color:#fff;margin-bottom:.3em}
.cta-band p{color:#C9D6EE;margin:0}
.cta-band .btns{display:flex;gap:12px;flex-wrap:wrap}

/* Page hero (inner pages) */
.page-hero{background:linear-gradient(180deg,#F3F7FD 0%,#E8F0FB 100%);padding:34px 0 30px;border-bottom:1px solid var(--line)}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:10px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--navy)}
.page-hero .lead{font-size:1.08rem;color:#2D3B50;max-width:760px}
.updated{font-size:.85rem;color:var(--muted)}
.content{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:40px;align-items:start}
.prose h2{margin-top:1.6em}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.4em}
.prose ul,.prose ol{padding-left:1.2em}
.prose li{margin-bottom:.35em}
.answer{background:var(--sky-2);border-left:4px solid var(--orange);border-radius:0 12px 12px 0;padding:16px 18px;margin:0 0 1.4em}
.answer p{margin:0}
.aside{position:sticky;top:96px;display:grid;gap:16px}
.aside .card h3{margin-bottom:.4em}
.aside .btn{width:100%}
.toc ol{margin:0;padding-left:1.1em;font-size:.93rem}
.toc a{text-decoration:none}

/* Compare / results page */
.summary-bar{display:flex;flex-wrap:wrap;gap:12px 28px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:16px 20px}
.summary-bar .it{display:flex;gap:10px;align-items:center;font-size:.92rem}
.summary-bar .it small{display:block;color:var(--muted);font-size:.75rem}
.summary-bar .it .ico{color:var(--navy)}
.results-slot{margin-top:20px;min-height:340px}
.skeleton{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;display:grid;grid-template-columns:140px 1fr 160px;gap:20px;margin-bottom:14px}
.sk{background:linear-gradient(90deg,#EEF2F8 0%,#F7F9FC 50%,#EEF2F8 100%);background-size:200% 100%;animation:sh 1.4s infinite;border-radius:8px;height:14px}
@keyframes sh{to{background-position:-200% 0}}

/* Contact */
.contact-list{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.contact-list li{display:flex;gap:12px;align-items:flex-start}
.contact-list .ico{color:var(--navy);margin-top:3px}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-ink);color:#B9C6DD;margin-top:0;padding:50px 0 100px;font-size:.93rem}
.site-footer a{color:#DCE5F4;text-decoration:none}
.site-footer a:hover{color:#fff}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:12px}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.flogo .logo-txt b{color:#fff}
.fbottom{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:18px;display:flex;flex-wrap:wrap;gap:10px 24px;justify-content:space-between;font-size:.84rem}
.disclaimer{font-size:.82rem;color:#93A3BF;margin-top:16px;max-width:900px}

/* Mobile sticky bar */
.mbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;grid-template-columns:1fr 1fr 1fr;box-shadow:0 -4px 20px rgba(0,0,0,.12)}
.mbar a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;text-decoration:none;font-weight:700;padding:15px 6px;font-size:.98rem}
.mbar .c{background:var(--navy)}
.mbar .w{background:var(--green)}
.mbar .q{background:var(--orange)}

/* ---------- Responsive ---------- */
@media (max-width:1180px){
  .nav,.hdr-call{display:none}
  .hdr-mobile{display:flex}
  .fgrid{grid-template-columns:1fr 1fr}
}
@media (max-width:960px){
  .hero-grid,.content{grid-template-columns:minmax(0,1fr)}
  .aside{position:static}
  .grid-3,.grid-4{grid-template-columns:1fr 1fr}
  .grid-5{grid-template-columns:repeat(3,1fr)}
  .cta-band{grid-template-columns:1fr}
}
@media (max-width:720px){
  body{font-size:15.5px}
  .hdr{height:64px}
  .logo-mark{width:36px;height:36px;font-size:18px}
  .logo-txt b{font-size:1.2rem}
  .logo-txt span{font-size:.64rem}
  .trust-strip{display:none}
  .hero{padding:26px 0 30px;text-align:center}
  .hero p.lead{margin-left:auto;margin-right:auto}
  .hero-ticks{justify-content:center;gap:14px 20px}
  .hero-ctas,.hero-ticks{display:none}
  .hero-grid{gap:4px}
  .hero p.lead{font-size:1rem;margin-bottom:18px}
  .hero h1{font-size:1.9rem}
  .hero-sky{width:90%;opacity:.25}
  .quote-card{text-align:left;padding:18px}
  .qgrid{gap:10px}
  .section{padding:44px 0}
  .grid-2,.grid-3,.grid-4,.steps{grid-template-columns:1fr}
  .grid-5{grid-template-columns:repeat(2,1fr)}
  .features{margin-top:16px}
  .plans-scroll{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;gap:14px;padding-bottom:6px}
  .plans-scroll>.card{min-width:78%;scroll-snap-align:start}
  .advisor{grid-template-columns:1fr;text-align:center}
  .advisor .avatar{margin:0 auto}
  .avatar{overflow:hidden;padding:0}
.avatar img{width:100%;height:100%;object-fit:cover;border-radius:50%}
.advisor .creds{justify-content:center}
  .fgrid{grid-template-columns:1fr}
  .mbar{display:grid}
  .skeleton{grid-template-columns:1fr}
  .cta-band{padding:26px}
}
@media (max-width:380px){
  .qgrid{grid-template-columns:1fr}
  .icon-btn{width:36px;height:36px}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}