/* 401k-retirement-page.css — Phase 4 extraction 2026-04-17. */

/* §1 */
.skip-link { position: absolute; top: -100%; left: 16px; z-index: 9999; background: #07192E; color: #fff; padding: 12px 24px; border-radius: 0 0 8px 8px; font-family: "Inter", system-ui, sans-serif; font-size: 14px; font-weight: 600; text-decoration: none; transition: top .15s; }
    .skip-link:focus { top: 0; }
    .sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
    *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    :focus-visible { outline: 2px solid #1779B8; outline-offset: 3px; border-radius: 6px; }
    a, button, [role="button"] { cursor: pointer; transition: all 0.2s ease; }
    @media (max-width: 1024px) {
      button, [role="button"], .btn-hero-primary, .btn-primary, .btn-orange, .btn-nav-primary { min-height: 44px; padding-top: 12px; padding-bottom: 12px; }
      input, select, textarea { min-height: 44px; }
    }
    @media (prefers-reduced-motion: reduce) {
      *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
      .reveal { opacity: 1 !important; transform: none !important; }
    }

    :root {
      --blue: #1479A3; --blue-dark: #1366A0; --navy: #07192E; --navy-2: #0D2B45;
      --white: #FFFFFF; --off: #F4F8FC; --surface: #FFFFFF; --border: #E2ECF4;
      --text: #0D1829; --muted: #3D5266; --orange: #F97316; --green: #15803D; --teal: #38B2AC;
      --grad-blue: linear-gradient(135deg,#29ABE2 0%,#1779B8 100%);
      --font-h: 'Poppins',system-ui,sans-serif; --font-b: 'Inter',system-ui,sans-serif;
      --ease: cubic-bezier(.22,1,.36,1);
      --shadow-sm: 0 1px 4px rgba(7,25,46,.06),0 1px 2px rgba(7,25,46,.04);
      --shadow-md: 0 4px 24px rgba(7,25,46,.08),0 2px 8px rgba(7,25,46,.04);
      --shadow-lg: 0 16px 56px rgba(7,25,46,.10),0 4px 16px rgba(7,25,46,.06);
      --shadow-xl: 0 32px 80px rgba(7,25,46,.14),0 8px 24px rgba(7,25,46,.08);
      --glow-orange: 0 0 0 1px rgba(249,115,22,.12), 0 8px 24px rgba(249,115,22,.20);
    }

    /* Brand gradient accent — canonical 5-stop, applied via .grad-word in hero H1s */
    .grad-word {
      background: linear-gradient(135deg, #F7D44C 0%, #F07128 22%, #E8125C 50%, #7B21A2 78%, #1779B8 100%);
      -webkit-background-clip: text;
      -webkit-text-fill-color: transparent;
      background-clip: text;
      color: transparent;
    }


    html { scroll-behavior: smooth; font-size: 16px; }
    body { font-family: var(--font-b); background: var(--white); color: var(--text); -webkit-font-smoothing: antialiased; line-height: 1.6; }
    a { text-decoration: none; }

    header { position: sticky; top: 0; z-index: 300; background: linear-gradient(180deg, rgba(255,255,255,.96) 0%, rgba(255,255,255,.88) 100%); backdrop-filter: blur(28px) saturate(1.8); -webkit-backdrop-filter: blur(28px) saturate(1.8); border-bottom: 1px solid rgba(226,236,244,.5); box-shadow: 0 2px 12px rgba(7,25,46,.04), 0 4px 24px rgba(7,25,46,.03); overflow: visible; position: relative; }
/* NAV CSS extracted to assets/site.css — see _scripts/extract_nav_css.py */

    /* ── BREADCRUMB ── */
    .breadcrumb { max-width: 1200px; margin: 0 auto; padding: 16px 32px 0; font-family: var(--font-b); font-size: 13px; color: var(--muted); }
    .breadcrumb a { color: var(--blue-dark); text-decoration: none; transition: color .15s; }
    .breadcrumb a:hover { color: var(--blue); }
    .breadcrumb span { margin: 0 6px; opacity: .5; }
    .sec-divider { height: 1px; background: linear-gradient(90deg, transparent 0%, var(--border) 15%, var(--border) 85%, transparent 100%); margin: 0 auto; max-width: 1200px; }

    /* ═══════════════════ HERO ═══════════════════ */
    .k401-hero {
      background-image: radial-gradient(rgba(41,171,226,.06) 1px, transparent 1px), radial-gradient(ellipse 70% 50% at 50% 40%, rgba(41,171,226,.08), transparent 70%), linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
      background-size: 20px 20px, 100% 100%, 100% 100%;
      position: relative; overflow: hidden; padding: 72px 32px 64px;
    }
    .k401-hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 60% 70% at 75% 10%, rgba(41,171,226,.15) 0%, transparent 60%), radial-gradient(ellipse 50% 50% at 10% 80%, rgba(34,197,94,.06) 0%, transparent 50%); pointer-events: none; }
    .k401-orb { position: absolute; border-radius: 50%; filter: blur(80px); pointer-events: none; z-index: 0; }
    .k401-orb-1 { width: 400px; height: 400px; background: rgba(41,171,226,.18); top: -10%; right: 5%; animation: k-float-1 8s ease-in-out infinite; }
    .k401-orb-2 { width: 300px; height: 300px; background: rgba(34,197,94,.12); bottom: -5%; left: 10%; animation: k-float-2 10s ease-in-out infinite; }
    @keyframes k-float-1 { 0%, 100% { transform: translate(0, 0); } 50% { transform: translate(-20px, 15px); } }
    @keyframes k-float-2 { 0%, 100% { transform: translate(0, 0); } 50% { transform: translate(20px, -15px); } }
    .k401-hero-inner { max-width: 1200px; margin: 0 auto; display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: center; position: relative; z-index: 2; }
    .k401-pill { display: inline-flex; align-items: center; gap: 8px; background: var(--blue, #1479A3); border: 1px solid rgba(41,171,226,.25); border-radius: 100px; padding: 6px 14px; margin-bottom: 20px; font-family: var(--font-b); font-size: 12px; font-weight: 700; color: #fff; letter-spacing: .5px; text-transform: uppercase; }
    .k401-hero-text h1 { font-family: var(--font-h); font-size: 30px;font-size: clamp(30px,4vw,48px); font-weight: 800; line-height: 1.12; letter-spacing: -1.2px; color: var(--white); margin-bottom: 20px; }
    .k401-hero-text h1 .k401-accent { color: var(--blue); }
    .k401-sub { font-family: var(--font-b); font-size: 17px; color: rgba(255,255,255,.82); line-height: 1.72; max-width: 500px; margin-bottom: 24px; }
    .k401-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 24px; }
    .btn-blue-solid { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-b); font-size: 15px; font-weight: 700; color: #fff; background: var(--orange); padding: 14px 28px; border-radius: 10px; transition: all .2s var(--ease); cursor: pointer; border: none; box-shadow: 0 4px 14px rgba(249,115,22,.18); }
    .btn-blue-solid:hover { background: var(--orange-deep); transform: translateY(-2px); box-shadow: 0 6px 20px rgba(249,115,22,.35); }
    .btn-ghost-light { display: inline-flex; align-items: center; gap: 6px; font-family: var(--font-b); font-size: 14px; font-weight: 600; color: rgba(255,255,255,.7); background: transparent; border: none; cursor: pointer; transition: color .15s; padding: 14px 8px; }
    .btn-ghost-light:hover { color: var(--white); }
    .k401-badges { display: flex; gap: 20px; flex-wrap: wrap; }
    .k401-badge { display: flex; align-items: center; gap: 6px; font-family: var(--font-b); font-size: 12px; font-weight: 600; color: rgba(255,255,255,.74); letter-spacing: .3px; background: rgba(255,255,255,.04); padding: 6px 12px; border-radius: 100px; border: 1px solid rgba(255,255,255,.06); }
    .k401-badge svg { width: 14px; height: 14px; stroke: var(--green); fill: none; stroke-width: 2; }

    /* ═══════════════════ PLAN TYPES ═══════════════════ */
    .k401-plans { padding: 80px 32px; background: var(--white); }
    .sec-head { text-align: center; max-width: 680px; margin: 0 auto 48px; }
    .sec-head h2 { font-family: var(--font-h); font-size: 24px;font-size: clamp(24px,3.2vw,36px); font-weight: 800; color: var(--navy); letter-spacing: -.6px; margin-bottom: 12px; }
    .sec-head p { font-family: var(--font-b); font-size: 16px; color: var(--muted); line-height: 1.65; }
    .plan-grid { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
    .plan-card { background: var(--off); border: 1px solid var(--border); border-radius: 16px; padding: 32px 28px; transition: all .3s var(--ease); position: relative; }
    .plan-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: var(--grad-blue); border-radius: 16px 16px 0 0; }
    .plan-card:nth-child(2)::before { background: linear-gradient(90deg, var(--green), #16A34A); }
    .plan-card:nth-child(3)::before { background: linear-gradient(90deg, var(--orange), #FBB040); }
    .plan-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); background: var(--white); }
    .plan-card .plan-tag { font-family: var(--font-b); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .6px; color: var(--blue-dark); margin-bottom: 12px; display: block; }
    .plan-card:nth-child(2) .plan-tag { color: #16A34A; }
    .plan-card:nth-child(3) .plan-tag { color: var(--orange); }
    .plan-card h3 { font-family: var(--font-h); font-size: 20px; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
    .plan-card p { font-family: var(--font-b); font-size: 14px; color: var(--muted); line-height: 1.65; margin-bottom: 20px; }
    .plan-card ul { list-style: none; padding: 0; }
    .plan-card ul li { font-family: var(--font-b); font-size: 13.5px; color: var(--text); padding: 6px 0 6px 22px; position: relative; border-bottom: 1px solid var(--border); }
    .plan-card ul li:last-child { border-bottom: none; }
    .plan-card ul li::before { content: '✓'; position: absolute; left: 0; color: var(--blue-dark); font-weight: 700; }
    .plan-card:nth-child(2) ul li::before { color: #16A34A; }
    .plan-card:nth-child(3) ul li::before { color: var(--orange); }
    .plan-recommended { background: rgba(41,171,226,.04); border-color: rgba(41,171,226,.2); }
    .plan-badge { display: inline-flex; align-items: center; gap: 5px; font-family: var(--font-b); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .4px; color: var(--white); background: var(--green); padding: 4px 10px; border-radius: 100px; margin-bottom: 10px; }

    /* ═══════════════════ WHAT WE HANDLE ═══════════════════ */
    /* GOLDEN CARD pattern */
    .k401-services { padding: 80px 32px; background: var(--off); position: relative; isolation: isolate; }
    .k401-services::before { content: ''; position: absolute; inset: 0; z-index: 0; pointer-events: none;
      background:
        radial-gradient(ellipse 60% 50% at 15% 20%, rgba(23,121,184,.06) 0%, transparent 70%),
        radial-gradient(ellipse 55% 45% at 85% 80%, rgba(16,185,129,.05) 0%, transparent 70%),
        radial-gradient(ellipse 50% 40% at 50% 100%, rgba(245,158,11,.045) 0%, transparent 70%);
    }
    .k401-services > * { position: relative; z-index: 1; }
    .k401-services .sec-head { margin-bottom: 48px; }
    .services-grid{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
    .svc-card{position:relative;padding:30px 28px 26px 36px;border-radius:10px;isolation:isolate;background:#FFFFFF;border:1px solid rgba(13,24,41,.09);box-shadow:0 1px 2px rgba(13,24,41,.04),0 8px 24px -12px rgba(13,24,41,.18),0 16px 40px -20px rgba(13,24,41,.12);transition:border-color 180ms ease-out,box-shadow 180ms ease-out,transform 180ms ease-out;overflow:hidden;--card-color:#1366A0;--card-rgb:23,121,184}
    .svc-card:nth-child(6n+1){--card-color:#1366A0;--card-rgb:23,121,184}
    .svc-card:nth-child(6n+2){--card-color:#10B981;--card-rgb:16,185,129}
    .svc-card:nth-child(6n+3){--card-color:#F97316;--card-rgb:249,115,22}
    .svc-card:nth-child(6n+4){--card-color:#0EA5E9;--card-rgb:14,165,233}
    .svc-card:nth-child(6n+5){--card-color:#7B21A2;--card-rgb:123,33,162}
    .svc-card:nth-child(6n+6){--card-color:#E8125C;--card-rgb:232,18,92}
    .svc-card::before{content:'';position:absolute;left:0;top:20px;bottom:20px;width:3px;background:linear-gradient(180deg,transparent 0%,var(--card-color) 15%,var(--card-color) 85%,transparent 100%);border-radius:0 3px 3px 0;transition:width 180ms ease-out,top 180ms ease-out,bottom 180ms ease-out;z-index:2}
    .svc-card::after{content:'';position:absolute;top:-80px;left:-80px;width:260px;height:260px;background:radial-gradient(circle,rgba(var(--card-rgb),.12) 0%,transparent 65%);pointer-events:none;z-index:0;opacity:.55;transition:opacity 180ms ease-out}
    .svc-card:hover{border-color:rgba(var(--card-rgb),.42);transform:translateY(-2px);box-shadow:0 1px 2px rgba(13,24,41,.05),0 14px 32px -14px rgba(var(--card-rgb),.22),0 18px 36px -18px rgba(13,24,41,.18)}
    .svc-card:hover::before{width:4px;top:10px;bottom:10px}
    .svc-card:hover::after{opacity:1}
    .svc-card > *{position:relative;z-index:1}
    .svc-icon{position:absolute !important;top:22px;right:22px;width:58px !important;height:58px !important;background:none !important;border:none;border-radius:0;color:var(--card-color);opacity:.14;margin:0;padding:0;z-index:0;pointer-events:none;display:block;transition:opacity 240ms ease-out,transform 240ms ease-out}
    .svc-card:nth-child(2) .svc-icon, .svc-card:nth-child(3) .svc-icon, .svc-card:nth-child(4) .svc-icon, .svc-card:nth-child(5) .svc-icon, .svc-card:nth-child(6) .svc-icon { background: none !important; }
    .svc-icon svg{width:100% !important;height:100% !important;stroke:currentColor !important;stroke-width:1.4 !important;fill:none;stroke-linecap:round;stroke-linejoin:round}
    .svc-card:nth-child(2) .svc-icon svg, .svc-card:nth-child(3) .svc-icon svg, .svc-card:nth-child(4) .svc-icon svg, .svc-card:nth-child(5) .svc-icon svg, .svc-card:nth-child(6) .svc-icon svg { stroke: currentColor !important; }
    .svc-card:hover .svc-icon{opacity:.22;transform:scale(1.05) rotate(-2deg)}
    .svc-card h3{font-family:var(--font-h);font-size:22px;font-weight:800;letter-spacing:-.022em;color:#0D1829;line-height:1.15;margin:12px 0 10px;max-width:18ch}
    .svc-card p{font-family:var(--font-b);font-size:13.5px;font-weight:500;color:#5B6B7E;line-height:1.6;margin:0;max-width:42ch}

    /* ═══════════════════ COMPLIANCE ═══════════════════ */
    .k401-compliance { padding: 80px 32px; background: var(--white); }
    .k401-compliance .sec-head { margin-bottom: 48px; }
    .compliance-cards { max-width: 900px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
    .comp-card { background: var(--off); border: 1px solid var(--border); border-radius: 14px; padding: 28px 24px; display: flex; gap: 16px; align-items: flex-start; }
    .comp-card-icon { width: 44px; height: 44px; border-radius: 12px; background: rgba(41,171,226,.1); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
    .comp-card:nth-child(2) .comp-card-icon { background: rgba(34,197,94,.1); }
    .comp-card:nth-child(3) .comp-card-icon { background: rgba(249,115,22,.1); }
    .comp-card:nth-child(4) .comp-card-icon { background: rgba(56,178,172,.1); }
    .comp-card-icon svg { width: 22px; height: 22px; stroke: var(--blue); stroke-width: 2; fill: none; }
    .comp-card:nth-child(2) .comp-card-icon svg { stroke: #16A34A; }
    .comp-card:nth-child(3) .comp-card-icon svg { stroke: var(--orange); }
    .comp-card:nth-child(4) .comp-card-icon svg { stroke: var(--teal); }
    .comp-card h3 { font-family: var(--font-h); font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
    .comp-card p { font-family: var(--font-b); font-size: 14px; color: var(--muted); line-height: 1.6; }

    /* ═══════════════════ PAYROLL SYNC ═══════════════════ */
    .k401-sync { padding: 80px 32px; background: linear-gradient(135deg, rgba(7,25,46,.97) 0%, rgba(13,43,69,.97) 100%); position: relative; overflow: hidden; }
    .k401-sync::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 60% 80% at 20% 50%, rgba(41,171,226,.1) 0%, transparent 60%); pointer-events: none; }
    .k401-sync-inner { max-width: 1000px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; position: relative; z-index: 2; }
    .k401-sync-text h2 { font-family: var(--font-h); font-size: 24px;font-size: clamp(24px,3vw,36px); font-weight: 800; color: var(--white); letter-spacing: -.5px; margin-bottom: 16px; }
    .k401-sync-text p { font-family: var(--font-b); font-size: 16px; color: rgba(255,255,255,.7); line-height: 1.7; margin-bottom: 24px; }
    .k401-sync-list { list-style: none; padding: 0; display: flex; flex-direction: column; gap: 12px; }
    .k401-sync-list li { display: flex; align-items: flex-start; gap: 10px; font-family: var(--font-b); font-size: 14.5px; color: rgba(255,255,255,.75); line-height: 1.5; }
    .k401-sync-list li svg { width: 18px; height: 18px; stroke: var(--blue); stroke-width: 2; fill: none; flex-shrink: 0; margin-top: 2px; }
    .k401-sync-visual { display: flex; flex-direction: column; gap: 12px; }
    .sync-step { background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.08); border-radius: 12px; padding: 18px 20px; display: flex; align-items: center; gap: 14px; }
    .sync-num { width: 32px; height: 32px; border-radius: 50%; background: var(--blue); display: flex; align-items: center; justify-content: center; font-family: var(--font-b); font-size: 13px; font-weight: 700; color: #fff; flex-shrink: 0; }
    .sync-step-text strong { display: block; font-family: var(--font-b); font-size: 14px; font-weight: 700; color: var(--white); margin-bottom: 2px; }
    .sync-step-text span { font-family: var(--font-b); font-size: 13px; color: rgba(255,255,255,.5); }
    .sync-arrow { text-align: center; color: rgba(41,171,226,.4); font-size: 20px; }

    /* ═══════════════════ FAQ ═══════════════════ */
    .k401-faq { padding: 80px 32px; background: var(--white); }
    .faq-list { max-width: 760px; margin: 0 auto; }
    .faq-item { border: 1px solid var(--border); border-radius: 12px; margin-bottom: 10px; overflow: hidden; transition: box-shadow .2s; }
    .faq-item.open { box-shadow: var(--shadow-sm); }
    .faq-item.open .faq-chevron { transform: rotate(180deg); }
    .faq-q { width: 100%; background: none; border: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; padding: 20px 24px; text-align: left; transition: background .15s; }
    .faq-q:hover { background: var(--off); }
    .faq-q span { font-family: var(--font-b); font-size: 15px; font-weight: 600; color: var(--navy); line-height: 1.4; padding-right: 16px; }
    .faq-chevron { width: 18px; height: 18px; stroke: var(--blue-dark); stroke-width: 2.5; fill: none; flex-shrink: 0; transition: transform .25s var(--ease); }
    .faq-a { max-height: 0; overflow: hidden; transition: max-height .3s var(--ease); }
    .faq-item.open .faq-a { max-height: 500px; }
    .faq-a p { padding: 0 24px 20px; font-family: var(--font-b); font-size: 14.5px; color: var(--muted); line-height: 1.7; }

    /* ═══════════════════ CTA ═══════════════════ */
    .k401-cta { padding: 80px 32px; background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); }
    .k401-cta-inner { max-width: 720px; margin: 0 auto; text-align: center; background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.08); border-radius: 24px; padding: 56px 48px; }
    .k401-cta-inner h2 { font-family: var(--font-h); font-size: 24px;font-size: clamp(24px,3vw,34px); font-weight: 800; color: var(--white); letter-spacing: -.5px; margin-bottom: 16px; }
    .k401-cta-inner p { font-family: var(--font-b); font-size: 16px; color: rgba(255,255,255,.7); line-height: 1.7; margin-bottom: 32px; max-width: 540px; margin-left: auto; margin-right: auto; }
    .btn-white-solid { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-b); font-size: 15px; font-weight: 700; color: var(--navy); background: var(--white); padding: 14px 32px; border-radius: 10px; transition: all .2s var(--ease); border: none; box-shadow: 0 4px 14px rgba(0,0,0,.12); }
    .btn-white-solid:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,.18); }
    .phone-link { display: block; margin-top: 20px; font-family: var(--font-b); font-size: 14px; color: rgba(255,255,255,.5); text-decoration: none; transition: color .15s; }
    .phone-link:hover { color: rgba(255,255,255,.8); }

    /* ═══════════════════ FOOTER ═══════════════════ */
    footer { background: var(--navy); padding: 64px 0 0; }
    .ft { max-width: 1200px; margin: 0 auto; padding: 0 32px; }
    .ft-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 48px; }
    .ft-logo img { height: 44px; width: auto; display: block; margin-bottom: 16px; filter: brightness(0) invert(1); opacity: .9; }
    .ft-tagline { font-family: var(--font-b); font-size: 13.5px; color: rgba(255,255,255,.45); line-height: 1.65; max-width: 220px; margin-bottom: 16px; }
    .ft-phone { display: flex; align-items: center; gap: 7px; font-family: var(--font-b); font-size: 14px; font-weight: 600; color: rgba(255,255,255,.7); transition: color .15s; }
    .ft-phone:hover { color: var(--blue); }
    .ft-col h3 { font-family: var(--font-b); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: rgba(255,255,255,.4); margin-bottom: 14px; }
    .ft-col a { display: block; font-family: var(--font-b); font-size: 13.5px; color: rgba(255,255,255,.55); text-decoration: none; transition: color .15s; margin-bottom: 9px; }
    .ft-col a:hover { color: rgba(255,255,255,.9); }
    .ft-bottom { border-top: 1px solid rgba(255,255,255,.07); padding: 20px 0; display: flex; align-items: center; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
    .ft-bottom span { font-family: var(--font-b); font-size: 12.5px; color: rgba(255,255,255,.3); }
    .ft-legal { display: flex; gap: 20px; }
    .ft-legal a { font-family: var(--font-b); font-size: 12.5px; color: rgba(255,255,255,.3); text-decoration: none; transition: color .15s; }
    .ft-legal a:hover { color: rgba(255,255,255,.6); }

    /* ── CALLBACK WIDGET ── */
    .callback-widget { position: fixed; bottom: 24px; right: 24px; z-index: 500; }
    .callback-trigger { width: 56px; height: 56px; border-radius: 50%; border: none; background: var(--blue); color: #fff; cursor: pointer; display: flex; align-items: center; justify-content: center; box-shadow: 0 4px 16px rgba(41,171,226,.4); transition: all .2s var(--ease); }
    .callback-trigger:hover { background: var(--blue-dark); transform: scale(1.08); }
    .callback-trigger svg { width: 22px; height: 22px; stroke: #fff; fill: none; }
    .callback-panel { position: absolute; bottom: 70px; right: 0; width: 280px; background: var(--white); border: 1px solid var(--border); border-radius: 16px; padding: 24px; box-shadow: var(--shadow-xl); display: none; flex-direction: column; gap: 12px; opacity: 0; transform: translateY(8px) scale(.97); transition: opacity .2s, transform .2s; }
    .callback-panel.open { display: flex; opacity: 1; transform: translateY(0) scale(1); }
    .callback-panel h3 { font-family: var(--font-h); font-size: 17px; font-weight: 700; color: var(--navy); }
    .callback-panel p { font-family: var(--font-b); font-size: 13px; color: var(--muted); line-height: 1.5; }
    .callback-panel input { border: 1px solid var(--border); border-radius: 8px; padding: 10px 14px; font-family: var(--font-b); font-size: 14px; color: var(--text); outline: none; width: 100%; transition: border-color .15s; }
    .callback-panel input:focus { border-color: var(--blue); }
    .callback-submit { background: var(--blue); color: #fff; border: none; border-radius: 8px; padding: 12px 20px; font-family: var(--font-b); font-size: 14px; font-weight: 700; cursor: pointer; transition: background .15s; }
    .callback-submit:hover { background: var(--blue-dark); }
    .callback-success { text-align: center; padding: 8px 0; }
    .callback-success svg { width: 40px; height: 40px; stroke: var(--green); stroke-width: 2; fill: none; margin: 0 auto 12px; display: block; }
    .callback-success h3 { font-family: var(--font-h); font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
    .callback-success p { font-family: var(--font-b); font-size: 13px; color: var(--muted); line-height: 1.5; }

    /* ── TEAM OF SPECIALISTS SECTION ─────────────────────────── */
    .svc-advisor-sec { background: var(--off); }
    .svc-advisor-sec .eyebrow {
      font-family: var(--font-b); font-size: 11px; font-weight: 700;
      letter-spacing: 1.5px; text-transform: uppercase; color: var(--blue-dark);
      margin-bottom: 10px;
    }
    .svc-advisor-sec .sec-h2 {
      font-family: var(--font-h); font-size: clamp(24px, 3.2vw, 36px);
      font-weight: 800; color: var(--navy); letter-spacing: -.6px; line-height: 1.2;
    }
    .sec-960 {
      max-width: 960px; margin: 0 auto; padding: 0 32px;
    }
    .svc-adv-layout { display: grid; grid-template-columns: 45fr 55fr; gap: 56px; align-items: center; }
        .svc-adv-photo-wrap { display: flex; justify-content: center; position: relative; }
    .svc-adv-photo-bg { display: none; }
    .svc-adv-photo { width: 100%; max-width: 360px; min-height: 380px; border-radius: 20px; background: #fff; border: 1px solid var(--border); box-shadow: 0 4px 14px rgba(7,25,46,.05), 0 24px 64px rgba(7,25,46,.10); display: flex; flex-direction: column; padding: 28px 26px 24px; position: relative; overflow: hidden; }
    .svc-adv-photo::before { content:''; position:absolute; top:0; left:0; right:0; height:4px; background: linear-gradient(90deg, var(--blue) 0%, var(--blue-dark) 100%); }
    .svc-adv-photo svg { display:none; }
    .adv-card-header { display:flex; align-items:center; gap:14px; margin-bottom:20px; }
    .adv-card-avatar { width:56px; height:56px; border-radius:50%; background:linear-gradient(135deg,var(--blue) 0%,var(--blue-dark) 100%); color:#fff; display:flex; align-items:center; justify-content:center; font-family:var(--font-h); font-size:22px; font-weight:800; flex-shrink:0; overflow:hidden; }
    .adv-card-avatar img { width:100%; height:100%; object-fit:cover; display:block; border-radius:50%; }
    .adv-card-name { font-family:var(--font-h); font-size:17px; font-weight:700; color:var(--text); margin:0; line-height:1.2; }
    .adv-card-role { font-family:var(--font-b); font-size:13px; color:var(--muted); margin-top:3px; }
    .adv-card-status { display:inline-flex; align-items:center; gap:6px; padding:5px 11px; border-radius:999px; background:rgba(34,197,94,.12); color:#15803D; font-family:var(--font-h); font-size:11px; font-weight:700; letter-spacing:.06em; text-transform:uppercase; margin-bottom:18px; align-self:flex-start; border:1px solid rgba(34,197,94,.28); }
    .adv-card-status::before { content:''; width:7px; height:7px; border-radius:50%; background:#22C55E; box-shadow:0 0 0 3px rgba(34,197,94,.18); }
    .adv-card-stats { display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-bottom:18px; }
    .adv-card-stat { background:var(--off); border:1px solid var(--border); border-radius:10px; padding:12px 14px; }
    .adv-card-stat-label { font-family:var(--font-b); font-size:10px; font-weight:700; letter-spacing:.10em; text-transform:uppercase; color:var(--muted); }
    .adv-card-stat-value { font-family:var(--font-h); font-size:18px; font-weight:800; color:var(--text); margin-top:2px; line-height:1.1; }
    .adv-card-tags { display:flex; flex-wrap:wrap; gap:6px; margin-top:auto; padding-top:16px; border-top:1px solid var(--border); }
    .adv-card-tag { font-family:var(--font-b); font-size:11px; font-weight:600; color:var(--blue-dark); background:rgba(41,171,226,.10); border:1px solid rgba(41,171,226,.22); border-radius:999px; padding:4px 10px; }
    .svc-adv-text h2 { margin-bottom: 24px; }
    .svc-adv-text p { font-family: var(--font-b); font-size: 1rem; font-weight: 400; color: var(--text); line-height: 1.75; margin-bottom: 16px; }
    .svc-adv-pullquote { font-family: var(--font-h); font-weight: 600; font-size: 1.25rem; color: var(--navy); line-height: 1.45; padding-left: 20px; border-left: 3px solid var(--orange); margin: 24px 0; }
    .svc-adv-micro { display: flex; flex-wrap: wrap; gap: 20px; margin-top: 28px; }
    .svc-adv-micro-item { display: flex; align-items: center; gap: 8px; font-family: var(--font-b); font-size: 0.875rem; font-weight: 500; color: var(--navy); }
    .svc-adv-micro-item svg { width: 18px; height: 18px; stroke: var(--green); fill: none; stroke-width: 2.5; flex-shrink: 0; }
    .svc-adv-cta { margin-top: 32px; display: flex; flex-direction: column; gap: 12px; }
    .svc-adv-cta .btn-orange-solid {
      display: inline-flex; align-items: center; gap: 8px;
      background: var(--orange); color: #fff; border: none; border-radius: 10px;
      padding: 14px 28px; font-family: var(--font-b); font-size: 15px; font-weight: 700;
      text-decoration: none; cursor: pointer; width: fit-content;
      transition: background .2s, transform .2s;
    }
    .svc-adv-cta .btn-orange-solid:hover { background: #EA580C; transform: translateY(-2px); }
    .svc-adv-team-link {
      font-family: var(--font-b); font-size: 13px; font-weight: 600;
      color: var(--blue); text-decoration: none; display: inline-flex; align-items: center; gap: 4px;
    }
    .svc-adv-team-link:hover { color: var(--blue-dark); text-decoration: underline; }

    .reveal { opacity: 0; transform: translateY(24px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
    .revealed { opacity: 1; transform: none; }

    /* ── RELATED SERVICES (CROSS-SELL) ─────────────────── */
    .sec-cross { background: var(--off); padding: 80px 32px; }
    .sec-cross .wrap { max-width: 1000px; margin: 0 auto; }
    .sec-cross .sec-label { font-family: var(--font-b); font-size: 11px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--blue-dark); margin-bottom: 10px; text-align: center; }
    .sec-cross .sec-h2 { font-family: var(--font-h); font-size: clamp(24px, 3.2vw, 36px); font-weight: 800; color: var(--navy); text-align: center; margin-bottom: 40px; }
    .cross-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
    .cross-card { background: var(--white); border: 1px solid var(--border); border-radius: 16px; padding: 28px 24px; text-decoration: none; display: block; position: relative; overflow: hidden; transition: all .3s cubic-bezier(.22,1,.36,1); }
    .cross-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; border-radius: 16px 16px 0 0; background: linear-gradient(90deg, var(--blue), var(--blue-dark)); transition: height .3s cubic-bezier(.22,1,.36,1); }
    .cross-card:nth-child(2)::before { background: linear-gradient(90deg, var(--orange), #EA580C); }
    .cross-card:nth-child(3)::before { background: linear-gradient(90deg, #38B2AC, var(--blue)); }
    .cross-card:hover { transform: translateY(-6px); box-shadow: 0 12px 40px rgba(7,25,46,.10), 0 4px 12px rgba(7,25,46,.06); border-color: transparent; }
    .cross-card:hover::before { height: 4px; }
    /* Premium gradient SVG art slot */
    .cross-card-icon { width: 56px; height: 56px; display: inline-flex; align-items: center; justify-content: center; margin-bottom: 16px; background: none; border-radius: 0; transition: transform .32s cubic-bezier(.34,1.56,.64,1); }
    .cross-card:hover .cross-card-icon { transform: scale(1.06); }
    .cross-card-icon svg { width: 100%; height: 100%; overflow: visible; }
    .cross-card h3 { font-family: var(--font-h); font-size: 17px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
    .cross-card p { font-family: var(--font-b); font-size: 14px; color: var(--muted); line-height: 1.65; margin-bottom: 14px; }
    .cross-link { font-family: var(--font-b); font-size: 13px; font-weight: 600; color: var(--blue); display: inline-flex; align-items: center; gap: 4px; transition: gap .2s; }
    .cross-card:hover .cross-link { color: var(--blue-dark); gap: 8px; }

    @media (max-width: 1024px) {
      .k401-hero-inner { grid-template-columns: 1fr; }
      .plan-grid { grid-template-columns: 1fr; max-width: 480px; }
      .services-grid { grid-template-columns: 1fr 1fr; }
      .compliance-cards { grid-template-columns: 1fr; }
      .k401-sync-inner { grid-template-columns: 1fr; }
    }
    @media (max-width: 1024px) {
      .hd { padding: 0 20px; }
      nav, .hd-right .btn-nav-ghost { display: none; }
      .ham { display: flex; }
      .mob-overlay { display: block; }
      .services-grid { grid-template-columns: 1fr; }
      .ft-top { grid-template-columns: 1fr 1fr; }
      .ft-bottom { flex-direction: column; text-align: center; }
      .k401-cta-inner { padding: 40px 24px; }
      .svc-adv-layout { grid-template-columns: 1fr; gap: 32px; text-align: center; }
      .svc-adv-photo-wrap { order: -1; }
      .svc-adv-pullquote { text-align: left; }
      .svc-adv-micro { justify-content: center; }
      .svc-adv-cta { align-items: center; }
    }
    @media (max-width: 480px) {
      .k401-hero { padding: 40px 20px; }
      .k401-plans, .k401-services, .k401-compliance, .k401-sync, .k401-faq, .k401-cta { padding: 60px 20px; }
      .breadcrumb { padding: 12px 20px 0; }
      .cross-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
    }

    /* ── MOBILE STICKY CTA BAR ─────────────────────────── */
    .mob-sticky-cta {
      display: none;
      position: fixed; bottom: 0; left: 0; right: 0;
      z-index: 400;
      background: rgba(255,255,255,.95);
      backdrop-filter: blur(20px);
      -webkit-backdrop-filter: blur(20px);
      border-top: 1px solid var(--border);
      padding: 12px 16px;
      box-shadow: 0 -4px 20px rgba(7,25,46,.08);
    }
    @media (max-width: 1024px) {
      .mob-sticky-cta { display: flex; gap: 10px; align-items: center; }
      body { padding-bottom: 72px; }
    }
    .mob-sticky-cta .mob-cta-btn {
      flex: 1; padding: 14px 20px; border-radius: 12px;
      font-family: var(--font-h); font-size: 15px; font-weight: 700;
      text-align: center; text-decoration: none;
      transition: transform 0.15s ease;
    }
    .mob-sticky-cta .mob-cta-btn:active { transform: scale(0.97); }
    .mob-sticky-cta .mob-cta-primary {
      background: var(--orange); color: #fff;
      box-shadow: 0 4px 14px rgba(249,115,22,.18);
    }
    .mob-sticky-cta .mob-cta-secondary {
      background: transparent; color: var(--navy);
      border: 1.5px solid var(--border);
    }
  
    /* ── Injected hero background image ─────────────── */
    .k401-hero { position: relative; isolation: isolate; }
    .k401-hero .vshr-hero-bg { position: absolute; inset: 0; background: image-set(url('/generated-images/section-retirement-planning.avif') type('image/avif'), url('/generated-images/section-retirement-planning.webp') type('image/webp'), url('/generated-images/section-retirement-planning.jpeg') type('image/jpeg')) center center / cover no-repeat; z-index: -1; opacity: .22; pointer-events: none; }
    .k401-hero .vshr-hero-bg::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(7,25,46,.55) 0%, rgba(7,25,46,.20) 45%, rgba(7,25,46,.65) 100%); }
/*callback-widget-mobile-hide-v1*/
@media (max-width: 767px) {
  .callback-widget { display: none !important; }
  .mob-sticky-cta { display: flex !important; }
}
/* reduced-motion-v1 */
@media (prefers-reduced-motion: reduce){*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important;}}
/* mobile-qa-v1 */
@media (max-width: 767px) {
  .btn, button, .btn-primary, .btn-secondary, .btn-outline, .cta, [class*="btn-"], a.button, input[type="submit"], input[type="button"] {
    min-height: 44px !important;
    min-width: 44px !important;
    padding: 12px 18px !important;
  }
  p, li, span, a, td, th, label, input, select, textarea, button, .small, .tag, .badge, .meta, .label, .desc, [class*="-desc"], [class*="-meta"], [class*="-label"], [class*="-tag"], [class*="-badge"], [class*="-time"], [class*="-name"], [class*="-val"], [class*="-num"], [class*="-txt"], [class*="-trend"], [class*="-sub"], [class*="-item"], [class*="-sep"] {
    font-size: max(14px, 1em) !important;
  }
  body, main, section, div, table, .container, .wrap, [class*="-wrap"], [class*="-grid"] {
    max-width: 100% !important;
  }
  img, video, iframe, svg { max-width: 100% !important; height: auto; }
  table { display: block; overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .mob-drawer, [class*="drawer"], .nav-drawer { width: 88vw !important; max-width: 320px !important; }
  html { overflow-x: hidden !important; }
}
@media (max-width: 359px) {
  .mob-drawer, [class*="drawer"], .nav-drawer { width: 96vw !important; max-width: 100vw !important; }
}
/* scroll-margin-anchor-v2 */
[id], section[id], h1[id], h2[id], h3[id], h4[id] { scroll-margin-top: 130px; }

/* faq-q text override (markup has text directly in button, no span) */
.faq-item{background:#fff}
.faq-q{font-family:var(--font-b)!important;font-size:15.5px!important;font-weight:600!important;color:var(--navy)!important;background:#fff!important;line-height:1.45;gap:14px;width:100%;border:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;padding:18px 24px;text-align:left;transition:background .15s}
.faq-q:hover{background:var(--off)!important}
.faq-q svg{width:18px;height:18px;flex-shrink:0;stroke:var(--blue-dark);fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round;transition:transform .25s var(--ease)}
.faq-item.open .faq-q svg{transform:rotate(180deg)}
.faq-item.open .faq-a{max-height:600px}
.faq-a-inner{padding:0 24px 22px;font-family:var(--font-b);font-size:15px;line-height:1.65;color:var(--muted)}
.faq-a-inner a{color:var(--blue-dark);text-decoration:underline}
    /* ── BORDER-RADIUS NORMALIZATION ─────────────── */
    .pain-card, .tier1-card, .tier2-card, .diff-card, .cap-card, .cross-card { border-radius: var(--r-md, 12px); }

/* §2 */
on each service page. Safe to ship more than once;
   selectors are scoped so they never collide with other pages. */
:root {
  --svc-sec-py: 96px;
  --svc-sec-py-mobile: 56px;
  --svc-gap: 48px;
  --svc-gap-mobile: 28px;
}

/* Unify the base .sec padding used by service pages. */
main .sec,
main section.sec,
main .svc-section,
main .sec-capabilities,
main .sec-diff,
main .sec-platform,
main .sec-proof,
main .sec-integration,
main .svc-faq,
main .svc-advisor-sec,
main .sec-hero + section,
main .sec-cta {
  padding-top: var(--svc-sec-py);
  padding-bottom: var(--svc-sec-py);
}

/* Tighten the gap between adjacent same-color sections so the page breathes
   at 96/48 cadence instead of 128/64. */
main section + section { margin-top: 0; }

/* Tabular lining figures on every stat number in the service pages. Keeps
   columns aligned and reads like Linear. */
main .stat-number,
main .stat-figure,
main .metric-value,
main .svc-stat-num,
main .svc-kpi-num,
main .diff-card strong,
main .svc-proof-num,
main .svc-pricing-num {
  font-variant-numeric: tabular-nums lining-nums;
  font-feature-settings: "tnum", "lnum", "ss01", "cv11";
  letter-spacing: -.015em;
}

/* H1 prominence — service hero H1 sits at clamp(34, 5vw, 56) across pages,
   but a few broke to 28px on mobile. Force the floor. */
@media (max-width: 560px) {
  main .payroll-hero h1,
  main .benefits-hero h1,
  main .hero h1,
  main .svc-hero h1 {
    font-size: clamp(30px, 7vw, 40px) !important;
    line-height: 1.08 !important;
    letter-spacing: -.022em !important;
  }
  main .payroll-hero,
  main .benefits-hero,
  main .svc-hero {
    padding-top: 72px !important;   /* push H1 above fold on mobile */
    padding-bottom: 40px !important;
    min-height: auto !important;
  }
}

/* Responsive section rhythm on mobile. */
@media (max-width: 720px) {
  main .sec,
  main section.sec,
  main .svc-section,
  main .sec-capabilities,
  main .sec-diff,
  main .sec-platform,
  main .sec-proof,
  main .sec-integration,
  main .svc-faq,
  main .svc-advisor-sec {
    padding-top: var(--svc-sec-py-mobile);
    padding-bottom: var(--svc-sec-py-mobile);
  }
}

/* CTA button consistency — every primary CTA across the 9 pages renders at the
   same height (48px desktop / 44px mobile). Stops the zoo of button heights. */
main a.btn-primary,
main .btn-primary,
main .cta-primary,
main .svc-cta-primary,
main .payroll-hero .cta-primary,
main .benefits-hero .cta-primary {
  min-height: 48px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0 22px;
  font-weight: 600;
  letter-spacing: -.005em;
}
@media (max-width: 560px) {
  main a.btn-primary,
  main .btn-primary,
  main .cta-primary,
  main .svc-cta-primary { min-height: 44px; padding: 0 18px; font-size: 15px; }
}

/* Improve the diff-card spec so the three-card "what makes us different"
   row on every service page matches the golden-v2 restraint: hairline
   border, tighter radius, precise metric type. */
main .sec-diff .diff-card,
main .svc-diff .diff-card {
  border-radius: 14px;
  border: 1px solid rgba(13, 24, 41, .08);
  box-shadow:
    0 1px 0 rgba(255,255,255,.9) inset,
    0 0 0 1px rgba(13,24,41,.02) inset,
    0 6px 24px -8px rgba(13,24,41,.08),
    0 2px 8px -2px rgba(13,24,41,.06);
  background: linear-gradient(180deg, #FFFFFF 0%, #FBFCFD 100%);
}

/* Final touch — heading leading on H2 across service pages.
   Previously rendered at 1.35 which reads blog-y. */
main section h2 {
  line-height: 1.15;
  letter-spacing: -.018em;
}

/* Hide any residual ghost-number DOM that the HTML scrub missed. */
main .ghost-number { display: none !important; }

/* §3 */
@media (max-width: 1024px) {
  .cb-fab, .callback-trigger { bottom: calc(90px + env(safe-area-inset-bottom, 0px)) !important; }
  .cb-panel, .callback-panel { bottom: calc(160px + env(safe-area-inset-bottom, 0px)) !important; width: min(320px, 90vw) !important; }
  body { padding-bottom: calc(70px + env(safe-area-inset-bottom, 0px)); }
  .mob-sticky-cta { padding-bottom: env(safe-area-inset-bottom, 0px); }
}