/* ============================================================
   You Decide Referral — shared stylesheet for content pages
   Design tokens lifted from the existing homepage so new pages
   match without touching the homepage's own inline CSS.
   Upload to site root, link as: <link rel="stylesheet" href="/ydr-pages.css">
   ============================================================ */

:root{
  --fog:#E8E4DC; --fog-d:#DEDAD1; --fog-dd:#D0CBC0;
  --warm:#F5F0E8; --parchment:#EDE9E0;
  --navy:#0D1B2A; --slate:#1C2B3A;
  --navy-60:rgba(13,27,42,.6); --navy-15:rgba(13,27,42,.15); --navy-08:rgba(13,27,42,.08);
  --gold:#C9A84C; --gold-l:#E8C97A; --gold-d:#A8882C; --bronze:#8B6914;
  --muted:#3D3730;
  /* Signal Cyan — reserved for live/derived data and interaction */
  --cyan:#3FDDE8;        /* on navy only  — 10.5:1 */
  --cyan-deep:#0B6B76;   /* text on light — 5.5:1 on warm, 4.9:1 on fog */
  --cyan-mid:#12909E;    /* rules, borders, non-text marks */
  --serif:'Cormorant Garamond', Georgia, serif;
  --sans:'Jost', system-ui, -apple-system, sans-serif;
  --r:4px;
  --shadow:0 2px 24px rgba(13,27,42,.08);
  --shadow-md:0 6px 40px rgba(13,27,42,.12);
  --wrap:760px;
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0; background:var(--warm); color:var(--navy);
  font-family:var(--sans); font-size:18px; line-height:1.72;
  -webkit-font-smoothing:antialiased;
}

/* ---------- masthead ---------- */
.yd-bar{background:var(--navy); color:var(--fog); padding:14px 24px}
.yd-bar-in{max-width:1100px; margin:0 auto; display:flex; align-items:center; justify-content:space-between; gap:16px; flex-wrap:wrap}
.yd-logo{font-family:var(--serif); font-size:22px; letter-spacing:.06em; color:var(--fog); text-decoration:none; font-weight:600}
.yd-logo span{color:var(--gold)}
.yd-nav{display:flex; gap:22px; flex-wrap:wrap}
.yd-nav a{color:var(--fog); text-decoration:none; font-size:13px; letter-spacing:.14em; text-transform:uppercase; opacity:.82}
.yd-nav a:hover{opacity:1; color:var(--gold-l)}

/* ---------- breadcrumb ---------- */
.yd-crumb{max-width:var(--wrap); margin:0 auto; padding:20px 24px 0; font-size:13px; letter-spacing:.08em; text-transform:uppercase; color:var(--navy-60)}
.yd-crumb a{color:var(--navy-60); text-decoration:none; border-bottom:1px solid var(--navy-15)}
.yd-crumb a:hover{color:var(--bronze)}

/* ---------- article ---------- */
.yd-article{max-width:var(--wrap); margin:0 auto; padding:8px 24px 96px}
.yd-eyebrow{font-size:12px; letter-spacing:.22em; text-transform:uppercase; color:var(--bronze); margin:28px 0 10px; font-weight:600}
.yd-article h1{
  font-family:var(--serif); font-weight:600; font-size:clamp(38px,6vw,60px);
  line-height:1.06; letter-spacing:-.01em; margin:0 0 18px;
}
.yd-lede{font-size:22px; line-height:1.6; color:var(--muted); margin:0 0 8px}
.yd-meta{font-size:13px; letter-spacing:.08em; text-transform:uppercase; color:var(--navy-60); border-top:1px solid var(--navy-15); border-bottom:1px solid var(--navy-15); padding:14px 0; margin:28px 0 40px}
.yd-meta #ydr-updated{color:var(--cyan-deep); font-weight:600}
.yd-article h2{
  font-family:var(--serif); font-weight:600; font-size:clamp(28px,4vw,38px);
  line-height:1.14; margin:58px 0 16px; letter-spacing:-.005em;
}
.yd-article h3{font-family:var(--sans); font-weight:600; font-size:20px; letter-spacing:.01em; margin:36px 0 10px}
.yd-article p{margin:0 0 20px}
.yd-article a{color:var(--bronze); text-decoration:none; border-bottom:1px solid rgba(139,105,20,.35)}
.yd-article a:hover{border-bottom-color:var(--bronze)}
.yd-article ul,.yd-article ol{margin:0 0 22px; padding-left:22px}
.yd-article li{margin:0 0 10px}
.yd-article strong{font-weight:600}

/* ---------- table of contents ---------- */
.yd-toc{background:var(--parchment); border:1px solid var(--navy-15); border-radius:var(--r); padding:24px 28px; margin:0 0 44px}
.yd-toc p{font-size:12px; letter-spacing:.2em; text-transform:uppercase; color:var(--bronze); font-weight:600; margin:0 0 12px}
.yd-toc ol{margin:0; padding-left:20px}
.yd-toc li{margin:0 0 7px; font-size:16px}

/* ---------- stat strip ---------- */
.yd-stats{display:grid; grid-template-columns:repeat(auto-fit,minmax(150px,1fr)); gap:1px; background:var(--navy-15); border:1px solid var(--navy-15); border-radius:var(--r); overflow:hidden; margin:36px 0}
.yd-stat{background:var(--warm); padding:24px 18px; text-align:center; border-top:2px solid var(--cyan-mid)}
.yd-stat b{display:block; font-family:var(--serif); font-size:40px; line-height:1; color:var(--cyan-deep); font-weight:600; font-variant-numeric:tabular-nums}
.yd-stat span{display:block; margin-top:9px; font-size:11px; letter-spacing:.16em; text-transform:uppercase; color:var(--navy-60); line-height:1.5}

/* ---------- pull / callout ---------- */
.yd-pull{border-left:3px solid var(--gold); padding:6px 0 6px 26px; margin:38px 0; font-family:var(--serif); font-size:27px; line-height:1.4; color:var(--slate)}
.yd-note{background:var(--parchment); border:1px solid var(--navy-15); border-left:3px solid var(--bronze); border-radius:var(--r); padding:22px 26px; margin:34px 0; font-size:16.5px}
.yd-note p:last-child{margin-bottom:0}
.yd-note b{letter-spacing:.02em}

/* ---------- table ---------- */
.yd-tablewrap{overflow-x:auto; margin:34px 0; border:1px solid var(--navy-15); border-radius:var(--r)}
table.yd-table{border-collapse:collapse; width:100%; min-width:520px; font-size:16px; background:var(--warm)}
table.yd-table th{background:var(--navy); color:var(--fog); text-align:left; padding:14px 18px; font-size:11px; letter-spacing:.16em; text-transform:uppercase; font-weight:600}
table.yd-table td{padding:14px 18px; border-top:1px solid var(--navy-15); vertical-align:top}
table.yd-table tr:nth-child(even) td{background:var(--parchment)}
table.yd-table .yes{color:var(--bronze); font-weight:600}

/* ---------- steps ---------- */
.yd-steps{list-style:none; padding:0; margin:34px 0; counter-reset:s}
.yd-steps li{counter-increment:s; position:relative; padding:0 0 26px 62px; margin:0}
.yd-steps li::before{
  content:counter(s); position:absolute; left:0; top:-2px;
  width:40px; height:40px; border-radius:50%; background:var(--navy); color:var(--gold-l);
  font-family:var(--serif); font-size:20px; display:flex; align-items:center; justify-content:center;
}
.yd-steps b{display:block; font-size:19px; margin-bottom:5px}

/* ---------- calculator ---------- */
.yd-calc{background:var(--navy); color:var(--fog); border-radius:var(--r); padding:32px 30px; margin:40px 0; box-shadow:var(--shadow-md)}
.yd-calc h3{font-family:var(--serif); font-size:28px; margin:0 0 6px; color:var(--fog); font-weight:600}
.yd-calc .sub{font-size:14px; color:rgba(232,228,220,.65); margin:0 0 24px}
.yd-field{margin:0 0 18px}
.yd-field label{display:block; font-size:11px; letter-spacing:.16em; text-transform:uppercase; color:var(--cyan); margin-bottom:8px}
.yd-field input[type=range]{width:100%; accent-color:var(--gold)}
.yd-field .val{font-family:var(--serif); font-size:26px; color:var(--fog)}
.yd-out{border-top:1px solid rgba(232,228,220,.2); margin-top:24px; padding-top:24px; display:grid; grid-template-columns:repeat(auto-fit,minmax(150px,1fr)); gap:20px}
.yd-out div b{display:block; font-family:var(--serif); font-size:38px; line-height:1; color:var(--cyan); font-weight:600; font-variant-numeric:tabular-nums}
.yd-out div span{display:block; margin-top:8px; font-size:11px; letter-spacing:.14em; text-transform:uppercase; color:rgba(232,228,220,.6)}
.yd-calc .assume{margin:22px 0 0; font-size:12.5px; line-height:1.6; color:rgba(232,228,220,.55)}

/* ---------- FAQ ---------- */
.yd-faq{margin:34px 0}
.yd-faq details{border-bottom:1px solid var(--navy-15); padding:18px 0}
.yd-faq summary{cursor:pointer; font-weight:600; font-size:18px; list-style:none; display:flex; justify-content:space-between; gap:16px; align-items:baseline}
.yd-faq summary::-webkit-details-marker{display:none}
.yd-faq summary::after{content:'+'; color:var(--gold-d); font-size:24px; line-height:1}
.yd-faq details[open] summary::after{content:'–'}
.yd-faq details p{margin:14px 0 0; color:var(--muted)}

/* ---------- CTA ---------- */
.yd-cta{background:var(--navy); color:var(--fog); border-radius:var(--r); padding:44px 36px; margin:56px 0 0; text-align:center; box-shadow:var(--shadow-md)}
.yd-cta h2{font-family:var(--serif); font-size:clamp(28px,4.4vw,40px); margin:0 0 12px; color:var(--fog); line-height:1.14; font-weight:600}
.yd-cta p{color:rgba(232,228,220,.75); max-width:520px; margin:0 auto 26px; font-size:17px}
.yd-btns{display:flex; gap:14px; justify-content:center; flex-wrap:wrap}
.yd-btn{
  display:inline-block; padding:15px 32px; border-radius:var(--r); text-decoration:none;
  font-size:12px; letter-spacing:.18em; text-transform:uppercase; font-weight:600; border:1px solid transparent;
}
.yd-btn-p{background:var(--gold); color:var(--navy)}
.yd-btn-p:hover{background:var(--gold-l)}
.yd-btn-s{border-color:rgba(232,228,220,.4); color:var(--fog)}
.yd-btn-s:hover{border-color:var(--gold-l); color:var(--gold-l)}
.yd-cta .fine{margin:22px 0 0; font-size:12px; letter-spacing:.1em; text-transform:uppercase; color:rgba(232,228,220,.5)}

/* ---------- related ---------- */
.yd-related{margin:56px 0 0; border-top:1px solid var(--navy-15); padding-top:30px}
.yd-related p.h{font-size:12px; letter-spacing:.2em; text-transform:uppercase; color:var(--bronze); font-weight:600; margin:0 0 14px}
.yd-related ul{list-style:none; padding:0; margin:0}
.yd-related li{margin:0 0 9px}

/* ---------- guide index (used on /guides/) ---------- */
.yd-index{display:grid; gap:1px; background:var(--navy-15); border:1px solid var(--navy-15); border-radius:var(--r); overflow:hidden; margin:36px 0}
.yd-index a.card{
  display:block; background:var(--warm); padding:28px 30px; text-decoration:none; border:0;
  transition:background .18s ease;
}
.yd-index a.card:hover,.yd-index a.card:focus-visible{background:var(--parchment)}
.yd-index a.card:focus-visible{outline:2px solid var(--gold); outline-offset:-2px}
.yd-index .num{font-size:11px; letter-spacing:.2em; text-transform:uppercase; color:var(--bronze); font-weight:600; display:block; margin-bottom:9px}
.yd-index .card h3{
  font-family:var(--serif); font-weight:600; font-size:26px; line-height:1.16;
  color:var(--navy); margin:0 0 8px; letter-spacing:-.005em;
}
.yd-index .card p{color:var(--muted); margin:0; font-size:16.5px; line-height:1.6}
.yd-index .card .go{
  display:inline-block; margin-top:14px; font-size:11px; letter-spacing:.16em;
  text-transform:uppercase; color:var(--bronze); font-weight:600;
}
.yd-index a.card:hover .go{color:var(--gold-d)}
@media (min-width:760px){ .yd-index{grid-template-columns:1fr 1fr} .yd-index a.card.wide{grid-column:1 / -1} }

/* ---------- footer ---------- */
.yd-foot{background:var(--navy); color:rgba(232,228,220,.6); padding:44px 24px; font-size:14px}
.yd-foot-in{max-width:1100px; margin:0 auto; display:flex; justify-content:space-between; gap:24px; flex-wrap:wrap}
.yd-foot a{color:rgba(232,228,220,.75); text-decoration:none}
.yd-foot a:hover{color:var(--gold-l)}
.yd-foot .disc{max-width:560px; font-size:12.5px; line-height:1.65; color:rgba(232,228,220,.45)}

@media (max-width:640px){
  body{font-size:17px}
  .yd-lede{font-size:19px}
  .yd-pull{font-size:23px}
  .yd-article{padding-bottom:64px}
}