/* ============================================================
   LSC COMMON: shared stylesheet for lifesettlementcalculator.io
   Loaded on every page by the LSC Common plugin
   (includes/styles.php).  Everything is scoped under .sg except
   html smooth scroll, so it never touches the theme, header or
   footer.  Wrap page content in <div class="sg">.

   Design tokens (the :root variables: --blue, --heading, --ink...)
   are NOT in this file.  They live in data/default-design.json,
   are saved in the database (option lsc_design) and are printed
   inline by includes/styles.php.  Edit them in
   Settings > LSC Common.

   Font: Inter 400/500/600/700/800.  Add it under Elementor >
   Site Settings > Global Fonts so it loads on every page.
   ============================================================ */
.sg,.sg *,.sg *::before,.sg *::after{box-sizing:border-box}
.sg [hidden]{display:none !important}
html{scroll-behavior:smooth}
.sg{margin:0;background:var(--bg);color:var(--ink);font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
.sg a{color:var(--blue-ink)}
.sg .wrap{max-width:1120px;margin:0 auto;padding:0 20px}

/* Header */
.sg .site-header{border-bottom:1px solid var(--line);background:#fff}
.sg .site-header .wrap{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:6px 24px;min-height:68px;padding-block:10px}
.sg .topbar{background:var(--blue-wash);border-bottom:1px solid #DCE8EF}
.sg .topbar .wrap{display:flex;justify-content:flex-end;align-items:center;min-height:34px}
.sg .site-nav{display:flex;align-items:center;gap:28px}
.sg .site-nav a{color:var(--ink);font-weight:600;font-size:15px;text-decoration:none;padding:6px 0;border-bottom:2px solid transparent}
.sg .site-nav a:hover{color:var(--heading);border-bottom-color:var(--blue-60)}
.sg .site-nav a.active{color:var(--heading);border-bottom-color:var(--blue)}
.sg .site-nav a:focus-visible{outline:2px solid var(--blue);outline-offset:3px;border-radius:2px}
.sg .brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--heading);font-weight:700;letter-spacing:-.01em}
.sg .brand-mark{width:44px;height:44px;display:block}
.sg .partner{font-size:13px;color:var(--muted);text-align:right;margin:0}
.sg .partner a{font-weight:600;text-decoration:none}

/* Hero */
.sg .hero{background:linear-gradient(180deg,var(--blue-wash),#fff);padding:48px 0 28px}
.sg .hero h1{font-size:clamp(30px,4.2vw,44px);line-height:1.15;letter-spacing:-.02em;margin:0 0 12px;color:var(--heading);font-weight:800}
.sg .hero h1 span{color:var(--blue)}
.sg .hero p{margin:0;color:var(--muted);font-size:18px}

/* Calculator layout */
.sg .calc{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:28px;padding:28px 0 56px;align-items:start}
.sg .panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.sg .panel h2{font-size:20px;margin:0 0 4px;color:var(--heading);font-weight:700}
.sg .step{font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--blue-ink);margin:0 0 4px}
.sg fieldset{border:0;padding:0;margin:0 0 22px;min-width:0}
.sg fieldset:last-of-type{margin-bottom:0}
.sg .section-head{display:flex;align-items:baseline;justify-content:space-between;border-bottom:1px solid var(--line);padding-bottom:8px;margin-bottom:16px}
.sg .grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
.sg .field{display:flex;flex-direction:column;gap:6px}
.sg .field.full{grid-column:1/-1}
.sg label,.sg .label{font-size:14px;font-weight:600;color:var(--ink)}
.sg .hint{font-size:13px;color:var(--muted);font-weight:400}
.sg .help{font-size:13px;line-height:1.45;color:var(--muted);margin:2px 0 0}
.sg input[type=number],.sg input[type=text],.sg input[type=email],.sg input[type=tel],.sg select{
  width:100%;font:inherit;font-size:16px;padding:11px 12px;border:1px solid var(--gray-60);border-radius:8px;background:#fff;color:var(--ink);
}
.sg input:focus,.sg select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(96,153,185,.25)}
.sg .money{position:relative}
.sg .money span{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted);pointer-events:none}
.sg .money input{padding-left:26px}

/* Segmented controls */
.sg .seg{display:flex;border:1px solid var(--gray-60);border-radius:8px;overflow:hidden}
.sg .seg input{position:absolute;opacity:0;pointer-events:none}
.sg .seg label{flex:1;text-align:center;padding:10px 8px;font-weight:500;cursor:pointer;border-right:1px solid var(--gray-60);background:#fff;font-size:15px}
.sg .seg label:last-of-type{border-right:0}
.sg .seg input:checked + label{background:var(--blue-ink);color:#fff}
.sg .seg input:focus-visible + label{box-shadow:inset 0 0 0 3px rgba(96,153,185,.5)}

/* Health cards */
.sg .health{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.sg .health input{position:absolute;opacity:0;pointer-events:none}
.sg .health label{display:block;border:1px solid var(--gray-60);border-radius:8px;padding:10px 12px;cursor:pointer;font-weight:600;font-size:14px;line-height:1.35}
.sg .health label small{display:block;font-weight:400;color:var(--muted);font-size:12.5px;margin-top:2px}
.sg .health input:checked + label{border-color:var(--blue-ink);background:var(--blue-wash);box-shadow:inset 0 0 0 1px var(--blue-ink)}
.sg .health input:focus-visible + label{box-shadow:0 0 0 3px rgba(96,153,185,.35)}

.sg .second[hidden]{display:none}

/* Results */
.sg .results{position:sticky;top:20px}
.sg .result-card{background:#fff;color:var(--ink);border:1px solid var(--line);border-top:4px solid var(--blue);border-radius:var(--radius);padding:24px;box-shadow:0 6px 20px rgba(61,119,152,.10)}
.sg .result-card .eyebrow{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--blue-ink);font-weight:600;margin:0}
.sg .range{font-size:clamp(28px,3.4vw,36px);font-weight:700;letter-spacing:-.02em;line-height:1.15;margin:6px 0 4px;color:var(--black)}
.sg .pct{color:var(--muted);font-size:14px;margin:0 0 18px}
.sg .meter{margin:0 0 18px}
.sg .meter-row{display:flex;justify-content:space-between;font-size:13px;color:var(--muted);margin-bottom:6px}
.sg .meter-row strong{color:var(--black);font-weight:600}
.sg .bar{height:8px;border-radius:99px;background:var(--line);overflow:hidden}
.sg .bar i{display:block;height:100%;width:0;background:var(--blue);border-radius:99px;transition:width .3s ease}
.sg .stats{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:0 0 18px}
.sg .stat{background:var(--blue-wash);border:1px solid #DCE8EF;border-radius:10px;padding:12px}
.sg .stat .k{font-size:12px;color:var(--muted);margin:0 0 2px}
.sg .stat .v{font-size:17px;font-weight:600;margin:0;color:var(--black)}
.sg .stat .s{font-size:12px;line-height:1.4;color:var(--muted);margin:4px 0 0}
.sg .compare-empty{font-size:13.5px;color:var(--muted);background:var(--blue-wash);border-radius:10px;padding:10px 12px;margin:0 0 18px}
.sg .note{font-size:14px;line-height:1.5;color:var(--ink);background:var(--blue-wash);border-left:3px solid var(--blue);padding:10px 12px;border-radius:0 8px 8px 0;margin:0 0 18px}
.sg .note:empty{display:none}
.sg .btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;width:100%;padding:13px 18px;border-radius:8px;border:0;background:var(--blue-ink);color:#fff;font:inherit;font-weight:700;font-size:16px;text-decoration:none;cursor:pointer}
.sg .btn:hover{background:#346985}
.sg .btn.dark{background:var(--blue-ink);color:#fff}
.sg .btn.dark:hover{background:#346985}
.sg .fine{font-size:12.5px;color:var(--muted);margin:12px 0 0;line-height:1.5}
.sg .empty .range{color:var(--gray)}
.sg .locked-panel{margin:10px 0 18px}
.sg .lp-title{font-size:22px;font-weight:700;letter-spacing:-.01em;color:var(--heading);margin:0 0 14px;line-height:1.25}
.sg .checklist{list-style:none;margin:0 0 18px;padding:0;display:flex;flex-direction:column;gap:10px}
.sg .checklist li{display:flex;align-items:center;gap:12px;font-size:15px;color:var(--muted)}
.sg .checklist li strong{color:inherit;font-weight:600;margin-right:4px}
.sg .ck{flex:none;width:24px;height:24px;border-radius:50%;border:2px solid var(--gray-60);background:#fff;position:relative}
.sg .checklist li.done{color:var(--ink)}
.sg .checklist li.done .ck{background:var(--blue-ink);border-color:var(--blue-ink)}
.sg .checklist li.done .ck::after{content:"";position:absolute;left:7px;top:3px;width:6px;height:11px;border:solid #fff;border-width:0 2.5px 2.5px 0;transform:rotate(45deg)}
.sg .checklist li.next{color:var(--ink)}
.sg .checklist li.next .ck{border-color:var(--blue)}
.sg .lp-sub{font-size:13px;font-weight:600;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;margin:0 0 8px}
.sg .youll{margin:0;padding:12px 14px 12px 32px;background:var(--blue-wash);border-radius:10px;font-size:14px;color:var(--ink)}
.sg .youll li{margin:3px 0}
.sg .result-card.locked .reveal{display:none}
.sg .result-card:not(.locked) .locked-panel{display:none}
.sg .card-head{display:flex;align-items:center;gap:14px;margin-bottom:6px}
.sg .card-icon{width:56px;height:56px;flex:none}
.sg .result-card.locked .stats{opacity:.5}
.sg .thanks{font-size:14px;line-height:1.5;color:var(--ink);background:var(--blue-wash);border:1px solid #DCE8EF;border-radius:8px;padding:12px;margin:0}
.sg .form-error{color:#B3261E;font-size:14px;margin:0 0 6px;min-height:0}
.sg .form-error:empty{display:none}
.sg #step1,.sg #step2,.sg #step3{scroll-margin-top:20px}
.sg .wstep{display:none}
.sg .wstep.active{display:block;animation:wizIn .25s ease}
@keyframes wizIn{from{opacity:0;transform:translateX(12px)}to{opacity:1;transform:none}}
.sg .wiz-progress{margin:0 0 20px}
.sg .wiz-meta{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}
.sg .wiz-meta .step{margin:0}
.sg .wiz-dots{display:flex;gap:6px}
.sg .wiz-dots i{width:8px;height:8px;border-radius:50%;background:var(--gray-60)}
.sg .wiz-dots i.on{background:var(--blue-ink)}
.sg .wiz-bar{height:6px;border-radius:99px;background:var(--line);overflow:hidden}
.sg .wiz-bar i{display:block;height:100%;width:33.33%;background:var(--blue);border-radius:99px;transition:width .3s ease}
.sg .wiz-nav{display:flex;gap:12px;margin-top:20px}
.sg .wiz-nav .btn.dark{flex:1}
.sg .btn.ghost{width:auto;flex:none;background:#fff;color:var(--blue-ink);border:1px solid var(--gray-60);padding:13px 22px}
.sg .btn.ghost:hover{background:var(--blue-wash)}
.sg #calcForm{scroll-margin-top:20px}
.sg input:invalid.touched,.sg select:invalid.touched{border-color:#B3261E}

/* Content sections */
.sg section.band{padding:56px 0;border-top:1px solid var(--line)}
.sg section.band.soft{background:var(--bg-soft)}
.sg .band h2{font-size:clamp(24px,3vw,30px);letter-spacing:-.015em;margin:0 0 18px;color:var(--heading);line-height:1.2;font-weight:800}
.sg .band h2::after{content:"";display:block;width:56px;height:4px;border-radius:2px;background:var(--blue);margin-top:12px}
.sg .band .lede{color:var(--muted);margin:0 0 28px;font-size:17px}
.sg .factors{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.sg .factor{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.sg .factor h3{margin:0 0 6px;font-size:17px;color:var(--heading)}
.sg .factor p{margin:0;color:var(--muted);font-size:15px}
.sg .factor-head{display:flex;align-items:center;gap:12px;margin:0 0 10px}
.sg .factor-head h3{margin:0}
.sg .factor .num{flex:none;width:40px;height:40px;border-radius:50%;background:var(--blue-wash);color:var(--blue-ink);display:grid;place-items:center;font-weight:700;font-size:16px}

.sg .review{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.sg .review ul{padding-left:20px;color:var(--muted)}
.sg .review li{margin:6px 0}
.sg .review-head{display:flex;align-items:center;gap:14px;margin:0 0 12px}
.sg .review-head h3{margin:0;font-size:18px;color:var(--heading)}
.sg .review-icon{flex:none;width:48px;height:48px;border-radius:50%;background:var(--blue-wash);color:var(--blue-ink);display:grid;place-items:center}
.sg .consent{font-size:12.5px;color:var(--muted);margin:12px 0 0}

.sg .disclosures{font-size:14px;color:var(--muted)}
.sg .disclosures h2{font-size:22px}
.sg .disclosures h3{font-size:15px;color:var(--heading);margin:22px 0 6px}
.sg .disclosures p{margin:0 0 10px}
.sg .disclosures ul{margin:0 0 10px;padding-left:20px}

.sg footer{background:var(--blue-wash);color:var(--muted);border-top:4px solid var(--blue);font-size:14px;padding:32px 0}
.sg footer .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px}
.sg footer a{color:var(--blue-ink);font-weight:600;text-decoration:none;margin-right:18px}
.sg footer a:hover{text-decoration:underline}
.sg footer a.inline{margin-right:0;font-weight:600;text-decoration:underline;text-underline-offset:2px}
.sg footer p{margin:0 0 6px}
.sg .ref{font-size:13px;color:var(--muted);margin-top:12px}

@media (max-width:900px){
  .sg .calc{grid-template-columns:1fr}
  .sg .results{position:static}
  .sg .factors{grid-template-columns:1fr}
  .sg .review{grid-template-columns:1fr}
}
@media (max-width:520px){
  .sg .grid2{grid-template-columns:1fr}
  .sg .health{grid-template-columns:1fr}
  .sg .panel{padding:18px}
  .sg .partner{font-size:12px;text-align:center}
  .sg .topbar .wrap{justify-content:center}
  .sg .site-nav{gap:20px}
  .sg .site-nav a{font-size:14px}
}

/* ---- Blog ---- */
.sg .mock-note{background:#FFF8E6;border-bottom:1px solid #F0DFB4;color:#6B5310;font-size:13px}
.sg .mock-note .wrap{padding-block:8px}
.sg .blog-hero{background:linear-gradient(180deg,var(--blue-wash),#fff);padding:44px 0 28px}
.sg .blog-hero h1{font-size:clamp(30px,4.2vw,44px);line-height:1.15;letter-spacing:-.02em;margin:0 0 12px;color:var(--heading);font-weight:800}
.sg .blog-hero h1 span{color:var(--blue)}
.sg .blog-hero p{margin:0;color:var(--muted);font-size:18px}
.sg .blog-main{padding-block:12px 64px}
.sg .tag{display:inline-block;font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--blue-ink);margin:0}
.sg .featured{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;text-decoration:none;color:inherit;margin-bottom:28px;transition:border-color .2s,box-shadow .2s}
.sg .featured:hover{border-color:var(--blue-60);box-shadow:0 6px 20px rgba(61,119,152,.12)}
.sg .featured-art{background:var(--blue-wash);display:grid;place-items:center;min-height:240px;border-right:1px solid var(--line)}
.sg .featured-art img{width:160px;height:160px}
.sg .featured-body{padding:32px;display:flex;flex-direction:column;gap:12px;justify-content:center}
.sg .featured-body h2{font-size:clamp(22px,2.6vw,28px);line-height:1.25;color:var(--heading);margin:0;font-weight:800;text-wrap:balance}
.sg .featured-body p{margin:0;color:var(--muted);font-size:16px}
.sg .read-more{font-weight:700;color:var(--blue-ink)}
.sg .section-label{font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin:0 0 14px}
.sg .post-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.sg .post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column;gap:10px;text-decoration:none;color:inherit;transition:border-color .2s,box-shadow .2s}
.sg .post-card:hover{border-color:var(--blue-60);box-shadow:0 6px 20px rgba(61,119,152,.10)}
.sg .post-card h3{font-size:18px;line-height:1.3;color:var(--heading);margin:0;text-wrap:balance}
.sg .post-card p{margin:0;color:var(--muted);font-size:15px}
.sg .meta{margin-top:auto;padding-top:6px;font-size:13px;color:var(--muted)}
.sg .featured:focus-visible,.sg .post-card:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
.sg .blog-cta{margin-top:40px;background:var(--blue-wash);border:1px solid #DCE8EF;border-radius:var(--radius);padding:28px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.sg .blog-cta h2{margin:0 0 4px;font-size:22px;color:var(--heading)}
.sg .blog-cta p{margin:0;color:var(--muted)}
.sg .blog-cta .btn{width:auto;padding:13px 26px}
/* Article */
.sg .crumbs{font-size:14px;color:var(--muted);margin:0 0 14px}
.sg .crumbs a{color:var(--blue-ink);text-decoration:none;font-weight:600}
.sg .article-head h1{font-size:clamp(30px,4vw,42px);line-height:1.15;letter-spacing:-.02em;margin:8px 0 12px;color:var(--heading);font-weight:800;text-wrap:balance}
.sg .article-head .dek{font-size:19px;color:var(--muted);margin:0 0 14px}
.sg .article-wrap{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;align-items:start;padding-block:28px 64px}
.sg .article{font-size:17px;line-height:1.75;color:var(--ink)}
.sg .article h2{font-size:24px;line-height:1.3;color:var(--heading);margin:36px 0 10px;scroll-margin-top:20px}
.sg .article h2:first-child{margin-top:0}
.sg .article p{margin:0 0 16px}
.sg .article ul{margin:0 0 16px;padding-left:22px}
.sg .article li{margin:6px 0}
.sg .callout{background:var(--blue-wash);border-left:4px solid var(--blue);border-radius:0 10px 10px 0;padding:16px 18px;margin:24px 0;font-size:16px}
.sg .callout p{margin:0}
.sg .aside{position:sticky;top:20px;display:flex;flex-direction:column;gap:18px}
.sg .aside-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.sg .aside-card.cta{border-top:4px solid var(--blue);box-shadow:0 6px 20px rgba(61,119,152,.10)}
.sg .aside-card h3{margin:0 0 8px;font-size:17px;color:var(--heading)}
.sg .aside-card p{margin:0 0 14px;color:var(--muted);font-size:15px}
.sg .aside-card .cta-head{display:flex;align-items:center;gap:12px;margin-bottom:10px}
.sg .aside-card .cta-head img{width:44px;height:44px}
.sg .aside-card .cta-head h3{margin:0}
.sg .toc{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px;font-size:15px}
.sg .toc a{color:var(--blue-ink);text-decoration:none;font-weight:600}
.sg .toc a:hover{text-decoration:underline}
.sg .related{border-top:1px solid var(--line);padding-block:40px 64px}
.sg .related h2{font-size:24px;color:var(--heading);margin:0 0 18px}
@media (max-width:900px){
  .sg .featured{grid-template-columns:1fr}
  .sg .featured-art{border-right:0;border-bottom:1px solid var(--line);min-height:180px}
  .sg .post-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .sg .article-wrap{grid-template-columns:1fr;gap:28px}
  .sg .aside{position:static}
}
@media (max-width:560px){
  .sg .post-grid{grid-template-columns:1fr}
  .sg .featured-body{padding:22px}
  .sg .blog-cta{padding:22px}
  .sg .blog-cta .btn{width:100%}
}

/* Floating calculator button */
.sg .fab{position:fixed;right:max(20px, calc(env(safe-area-inset-right, 0px) + 16px));bottom:calc(20px + env(safe-area-inset-bottom, 0px));z-index:50;display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 22px;border-radius:999px;border:0;background:var(--blue-ink);color:#fff;font:inherit;font-size:16px;font-weight:700;text-decoration:none;cursor:pointer;box-shadow:0 8px 24px rgba(34,80,108,.30);transition:opacity .2s ease,transform .2s ease,background .2s ease}
.sg .fab:hover{background:#346985}
.sg .fab:focus-visible{outline:3px solid var(--blue-60);outline-offset:3px}
.sg .fab svg{flex:none}
.sg .fab.is-hidden{opacity:0;transform:translateY(12px);pointer-events:none}
.sg footer{padding-bottom:104px}
@media (max-width:520px){ .sg .fab{left:max(16px, env(safe-area-inset-left, 0px));right:max(16px, env(safe-area-inset-right, 0px))} }
@media (prefers-reduced-motion:reduce){ .sg .fab{transition:none} }