:root{
  --slate:#37424a; --slate-2:#2b343a; --sky:#0096d6; --link:#1a6b9e; --cta:#b8641a; --cta-h:#9e5414;
  --ink:#111; --text:#333d44; --muted:#5f6a72; --gray:#f3f4f5; --line:#d5dade; --white:#fff;
  --sans:"Helvetica Neue",Helvetica,Arial,system-ui,-apple-system,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--text);font:17px/1.6 var(--sans);-webkit-font-smoothing:antialiased}
a{color:var(--link);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
h1,h2,h3{color:var(--ink);margin:0;line-height:1.15;text-wrap:balance}
h2.sec{font-weight:300;font-size:clamp(28px,3.4vw,40px);text-align:center;letter-spacing:-.2px}

/* header */
header.top{background:var(--slate);color:#fff;position:sticky;top:0;z-index:30}
.bar{display:flex;align-items:center;justify-content:space-between;height:72px;gap:18px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none!important}
.brand b{font-size:20px;font-weight:700;letter-spacing:.2px;line-height:1.1}
.brand small{display:block;font-size:12px;font-weight:400;color:#c9d1d6;letter-spacing:.3px}
nav.links{display:flex;gap:24px}
nav.links a{color:#fff;font-size:16px}
.btn{display:inline-block;background:var(--cta);color:#fff!important;font-weight:700;padding:12px 26px;border-radius:999px;font-size:16px;text-decoration:none!important;border:0;transition:background .15s}
.btn:hover{background:var(--cta-h)}
.btn.blue{background:var(--link)}.btn.blue:hover{background:#155a85}
.btn.small{padding:9px 18px;font-size:15px;white-space:nowrap}
@media(max-width:1120px){nav.links{display:none}}
@media(max-width:420px){.brand small{display:none}.btn.small{padding:8px 13px;font-size:13.5px}}

/* path cards */
.paths{margin-top:-58px;position:relative;z-index:2}
.paths .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media(max-width:900px){.paths .grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.paths .grid{grid-template-columns:1fr}}

section{padding:84px 0}
@media(max-width:760px){section{padding:60px 0}}

/* mandate */
.mand{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start;margin-top:40px}
.mand ul{padding-left:20px;margin:16px 0 0}.mand li{margin:8px 0}
.alert{border-left:5px solid var(--sky);background:#fff;padding:20px 22px;border-radius:0 4px 4px 0;box-shadow:0 1px 3px rgba(0,0,0,.08)}
.alert b{color:var(--ink)}
table.cmp{width:100%;border-collapse:collapse;background:#fff;font-size:15.5px;box-shadow:0 1px 3px rgba(0,0,0,.1)}
.cmp th,.cmp td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.cmp thead th{background:var(--slate);color:#fff;font-weight:600}
.cmp thead th:last-child{background:var(--link)}
.cmp tbody th{color:var(--ink);font-weight:600;width:36%}
.cmp td:last-child{color:var(--ink);font-weight:600}
@media(max-width:860px){.mand{grid-template-columns:1fr}}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;list-style:none;padding:0;margin:44px 0 0;counter-reset:s}
.steps li{counter-increment:s;background:#fff;border-top:4px solid var(--sky);padding:22px;box-shadow:0 1px 3px rgba(0,0,0,.08)}
.steps li::before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--slate);color:#fff;font-weight:700;margin-bottom:12px}
.steps h3{font-size:19px;margin-bottom:6px}
.steps p{margin:0;color:var(--muted);font-size:15.5px}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.steps{grid-template-columns:1fr}}

/* example */
.ex{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start;margin-top:40px}
.ledger{border:1px solid #c3c9ce;border-radius:4px;background:#fff}
.ledger div{display:flex;justify-content:space-between;gap:12px;padding:13px 20px;border-bottom:1px solid var(--line);font-size:15.5px}
.ledger div:last-child{border-bottom:0}
.ledger b{color:var(--ink);white-space:nowrap}
.ledger .tot{background:var(--slate);color:#fff}.ledger .tot b{color:#fff;font-size:20px}
.fine{font-size:13px;color:var(--muted);margin-top:12px;line-height:1.55}
@media(max-width:860px){.ex{grid-template-columns:1fr}}

/* faq */
.faq{max-width:860px;margin:40px auto 0}
details{border-bottom:1px solid var(--line)}
summary{cursor:pointer;list-style:none;padding:20px 4px;font-size:18.5px;font-weight:600;color:var(--ink);display:flex;justify-content:space-between;gap:18px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";flex:none;font-weight:300;font-size:24px;line-height:1;color:var(--link)}
details[open] summary::after{content:"–"}
details p{margin:0 4px 20px;color:var(--muted)}

/* footer */
footer{background:#fff;padding:40px 0 56px;font-size:14px;color:var(--muted);border-top:1px solid var(--line)}
.foot{display:flex;justify-content:space-between;flex-wrap:wrap;gap:20px;padding-bottom:20px;border-bottom:1px solid var(--line);margin-bottom:20px}
.foot b{color:var(--ink);font-size:16px}
.disc{font-size:12.5px;line-height:1.65;max-width:980px}
.ins{display:grid;grid-template-columns:230px 1fr;gap:22px;align-items:start;padding:26px 0;border-bottom:1px solid var(--line);color:var(--ink);text-decoration:none!important}
.ins-cat{display:block;font-size:13px;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--link);margin-bottom:6px}
.ins-t{display:block;font-size:20px;font-weight:700;line-height:1.3;margin-bottom:10px}
.ins:hover .ins-t{color:var(--link)}
.ins-d{display:flex;align-items:center;gap:8px;font-size:14.5px;color:var(--muted)}
@media(max-width:520px){.ins{grid-template-columns:120px 1fr;gap:14px}.ins-t{font-size:17px}}

.art{max-width:760px;margin:0 auto;padding:56px 20px 30px}
.crumb{font-size:14px;margin-bottom:26px}
.art .kick{font-size:13px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--link)}
.art h1{font-size:clamp(30px,4.4vw,44px);font-weight:700;letter-spacing:-.4px;margin:10px 0 14px}
.meta{display:block;color:var(--muted);font-size:15px;margin-bottom:30px}.meta svg{vertical-align:-3px;margin-right:6px}
.art .hero-thumb{border-radius:4px;margin-bottom:34px}.art .hero-thumb svg{width:100%;height:230px;display:block}
.art .lead{font-size:20px;color:var(--ink);line-height:1.55}
.art h2{font-size:24px;margin:38px 0 10px;font-weight:700}.art [id]{scroll-margin-top:100px}
.art p,.art li{color:var(--text)}
.art li{margin:7px 0}
table.t{width:100%;border-collapse:collapse;margin:18px 0;font-size:15.5px}
.t th,.t td{border-bottom:1px solid var(--line);padding:11px 12px;text-align:left;vertical-align:top}
.t thead th{background:var(--slate);color:#fff}
.t tbody th{color:var(--ink);width:34%}
.art .note{font-size:13px;color:var(--muted)}
.endcta{background:var(--gray);border-top:4px solid var(--sky);padding:28px;margin:44px 0 10px}
.endcta h2{margin-top:0}
@media(max-width:600px){.t{font-size:14px}.t th,.t td{padding:9px 7px}}

.com-list .ins{grid-template-columns:1fr}
ul.chk{list-style:none;padding-left:0}
ul.chk li{position:relative;padding-left:34px;margin:10px 0}
ul.chk li::before{content:"";position:absolute;left:0;top:3px;width:18px;height:18px;border:2px solid var(--link);border-radius:3px}@media screen{ul.chk li::before{width:8px;height:8px;top:.6em;border-radius:50%;background:var(--link);border:0}}
.lm{background:#fff;border-top:1px solid var(--line)}
.lm-box{display:grid;grid-template-columns:1fr 1.1fr;gap:44px;align-items:center}
.lm h2{font-weight:300;font-size:clamp(26px,3vw,36px);margin:10px 0 12px}
.lm .kick{font-size:13px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--link)}
.lm form{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.lm input{width:100%;font:16px var(--sans);padding:12px 13px;border:1px solid #c3c9ce;border-radius:3px;background:#fff}
.lm input:focus-visible{outline:2px solid #2f78b0;outline-offset:1px;border-color:var(--sky)}
.lm .full{grid-column:1/-1}
.lm button{grid-column:1/-1;justify-self:start;background:var(--cta);color:#fff;border:0;border-radius:999px;padding:13px 26px;font:700 16px var(--sans);cursor:pointer}
.lm button:hover{background:var(--cta-h)}
.lm .hp{position:absolute;left:-5000px}
.lm-msg{grid-column:1/-1;display:none;padding:12px 14px;border-radius:3px}
.lm-msg.ok{display:block;background:#e6f5ec;color:#16502f}.lm-msg.err{display:block;background:#fbe9e7;color:#8a2a17}
@media(max-width:860px){.lm-box{grid-template-columns:1fr}}
@media(max-width:520px){.lm form{grid-template-columns:1fr}}

/* ===== 2026-09 white minimalist refresh (overrides above) ===== */
:root{--slate:#0b1b2b;--slate-2:#0b1b2b;--sky:#2f78b0;--link:#1f5f91;--cta:#0b2540;--cta-h:#123a63;--ink:#0b1b2b;--text:#2c3a46;--muted:#5d6b77;--gray:#f6f8fa;--line:#e3e7eb}
header.top{background:rgba(255,255,255,.97);color:var(--ink);border-bottom:1px solid var(--line)}
.bar{height:76px}
.brand{color:var(--ink)}
.brand img{width:46px;height:46px;display:block;border-radius:2px}
.brand b{display:block;font-size:19px;font-weight:700;letter-spacing:.01em;line-height:1.15;color:var(--ink)}
.brand small{display:block;font-size:12.5px;color:var(--muted);letter-spacing:.02em}
nav.links{gap:26px}
nav.links a{color:var(--text);font-size:15px;white-space:nowrap}
nav.links{gap:18px}
.brand small{white-space:nowrap}
@media(max-width:1240px){nav.links{display:none}}
.btn,.btn.blue{border-radius:2px;background:var(--cta)}
.btn:hover,.btn.blue:hover{background:var(--cta-h)}
@media(max-width:560px){.brand small{display:none}.brand b{font-size:17px}.btn.small{padding:9px 12px;font-size:13.5px}.bar{gap:10px}}
.t-scroll{overflow-x:auto;background:linear-gradient(90deg,#fff 30%,rgba(255,255,255,0)) left/24px 100% no-repeat local,linear-gradient(270deg,#fff 30%,rgba(255,255,255,0)) right/24px 100% no-repeat local,linear-gradient(270deg,rgba(0,0,0,.15),rgba(0,0,0,0)) right/12px 100% no-repeat scroll}

/* mobile menu */
.menu-btn{display:none;background:#fff;border:1px solid #cfd6dc;border-radius:2px;padding:9px 12px;font:600 14px var(--sans);color:var(--ink);cursor:pointer}
.menu-btn:focus-visible{outline:2px solid #2f78b0;outline-offset:2px}
@media(max-width:1240px){
  .menu-btn{display:inline-block;margin-left:auto}
  .bar{position:relative}
  nav.links.open{display:flex!important;flex-direction:column;gap:0;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid #e3e7eb;box-shadow:0 12px 24px rgba(11,27,43,.08);padding:6px 20px 14px;z-index:40}
  nav.links.open a{padding:12px 0;border-bottom:1px solid #eef1f4;font-size:16px}
}
@media(max-width:560px){.menu-btn{padding:8px 10px;font-size:13.5px}}

@media(max-width:560px){.brand>span{display:none}.bar{gap:8px}}

/* a11y: contrast + link underline (audit 2026-09-23) */
:root{--link:#1d5a8a}
.art p a,.art li a,.art td a,.crumb a,footer .disc a,main p a:not(.btn):not(.txt){text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px}
.kick,.eyebrow,.ins-cat{color:#245f8f}
.th-blank{position:absolute;left:-9999px}

@media print{.art::after{content:"Pleasanton Wealth LLC · pleasantonwealth.com · samah@pleasantonwealth.com";display:block;margin-top:14pt;font-size:10pt;color:#000}header.top,.menu-btn,nav.links,.skip,.endcta,.crumb,button[onclick*="print"],footer .foot{display:none!important}body{font-size:12pt;line-height:1.4}.art{padding:0;max-width:none}.art h2{margin:14pt 0 4pt;font-size:14pt}a{color:#000;text-decoration:none}}

@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important}}

.lm .f{display:block;font-size:14.5px;font-weight:600;color:var(--ink);margin:0 0 6px}.lm .opt-l{font-weight:400;color:#5f6a72}


/* Author box (Insights) */
.author-box{display:flex;gap:18px;align-items:flex-start;margin:40px 0 8px;padding:20px 22px;border:1px solid rgba(0,0,0,.08);border-radius:12px;background:rgba(0,0,0,.025)}
.author-box img{width:72px;height:90px;object-fit:cover;border-radius:8px;flex:0 0 auto}
.author-box p{margin:0}
.author-box .author-name{font-weight:600;margin-bottom:4px}
.author-box .author-bio{font-size:.95em;line-height:1.5}
.ab-links a{text-decoration:underline}
@media (max-width:520px){.author-box{flex-direction:column}}