/* =========================================================
   iAdvice — Financial Services Guide (document page)
   Loads after styles.css; uses brand tokens from :root
   ========================================================= */

.fsg-hero {
  position: relative; background: var(--ink); overflow: hidden;
  padding: clamp(130px, 18vh, 188px) 0 clamp(48px, 7vh, 76px);
}
.fsg-hero .aura {
  position: absolute; right: -6%; top: -50%; width: 52%; height: 170%; pointer-events: none;
  background: radial-gradient(50% 50% at 50% 50%, rgba(200,162,74,.16), transparent 66%);
}
.fsg-hero .wrap { position: relative; max-width: 980px; }
.fsg-hero .overline { margin-bottom: 20px; }
.fsg-hero h1 { color: var(--cream); font-size: clamp(34px, 5vw, 62px); font-weight: 300; letter-spacing: -.025em; line-height: 1.04; }
.fsg-hero .afsl { margin-top: 18px; font-size: clamp(16px,1.5vw,19px); color: var(--cream); font-weight: 500; }
.fsg-hero .dek { color: var(--muted-d); font-size: clamp(15px,1.4vw,18px); margin-top: 10px; max-width: 56ch; line-height: 1.55; }
.fsg-hero .meta { display: flex; flex-wrap: wrap; gap: 10px 20px; margin-top: 26px; padding-top: 24px; border-top: 1px solid var(--hair); }
.fsg-hero .meta .mi { font-size: 13px; color: var(--muted-d); }
.fsg-hero .meta .mi b { color: var(--gold-bright); font-weight: 600; }
.fsg-hero .back-link {
  display: inline-flex; align-items: center; gap: 8px; white-space: nowrap;
  font-size: 13.5px; font-weight: 600; color: var(--muted-d); margin-bottom: 28px;
  transition: color .3s var(--ease);
}
.fsg-hero .back-link:hover { color: var(--gold-bright); }
.fsg-hero .back-link svg { width: 14px; height: 14px; }

/* ---- body ---- */
.fsg-body { background: var(--paper); color: var(--paper-ink); padding: clamp(40px,6vh,72px) 0 clamp(64px,9vh,110px); }
.fsg-layout { display: grid; grid-template-columns: 232px 1fr; gap: clamp(32px, 5vw, 72px); align-items: start; }

/* sticky table of contents */
.fsg-toc { position: sticky; top: 96px; }
.fsg-toc .toc-label { font-size: 11px; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-deep); margin-bottom: 16px; font-weight: 600; }
.fsg-toc ol { list-style: none; counter-reset: toc; margin: 0; padding: 0; display: flex; flex-direction: column; }
.fsg-toc li { counter-increment: toc; }
.fsg-toc a {
  display: flex; gap: 10px; align-items: baseline;
  font-size: 13.5px; line-height: 1.35; color: #5b6970; padding: 8px 0;
  border-top: 1px solid var(--hair-d); transition: color .3s var(--ease);
}
.fsg-toc li:first-child a { border-top: none; }
.fsg-toc a::before { content: counter(toc, decimal-leading-zero); font-size: 11px; color: var(--gold-deep); font-variant-numeric: tabular-nums; flex: none; }
.fsg-toc a:hover, .fsg-toc a.active { color: var(--teal); }

/* content */
.fsg-content { max-width: 760px; min-width: 0; }
.fsg-sec { padding-top: 14px; margin-bottom: 46px; scroll-margin-top: 92px; }
.fsg-sec:last-child { margin-bottom: 0; }
.fsg-sec > h2 {
  font-size: clamp(23px, 2.5vw, 31px); font-weight: 500; color: var(--paper-ink);
  letter-spacing: -.015em; line-height: 1.12; margin-bottom: 8px;
  padding-bottom: 16px; border-bottom: 2px solid var(--gold);
}
.fsg-sec .sec-num { color: var(--gold-deep); font-weight: 600; margin-right: .5em; font-variant-numeric: tabular-nums; }
.fsg-prose { padding-top: 18px; }
.fsg-prose h3 { font-size: 18px; font-weight: 600; color: var(--paper-ink); margin: 28px 0 10px; }
.fsg-prose h3:first-child { margin-top: 0; }
.fsg-prose p { font-size: 16px; line-height: 1.72; color: #36454d; margin-bottom: 16px; }
.fsg-prose p.lead { font-size: 17.5px; color: #1f2d34; }
.fsg-prose a { color: var(--teal); text-decoration: underline; text-underline-offset: 3px; word-break: break-word; }
.fsg-prose strong { color: var(--paper-ink); font-weight: 600; }
.fsg-prose ul { list-style: none; margin: 0 0 18px; padding: 0; display: flex; flex-direction: column; gap: 9px; }
.fsg-prose ul li { position: relative; padding-left: 22px; font-size: 16px; line-height: 1.6; color: #36454d; }
.fsg-prose ul li::before { content: ''; position: absolute; left: 4px; top: .62em; width: 6px; height: 6px; border-radius: 50%; background: var(--gold); }
.fsg-prose ol.steps { list-style: none; counter-reset: step; margin: 4px 0 18px; padding: 0; display: flex; flex-direction: column; gap: 18px; }
.fsg-prose ol.steps > li { counter-increment: step; position: relative; padding-left: 46px; font-size: 16px; line-height: 1.65; color: #36454d; }
.fsg-prose ol.steps > li::before {
  content: counter(step); position: absolute; left: 0; top: -2px;
  width: 30px; height: 30px; border-radius: 50%; background: var(--ink); color: var(--gold-bright);
  display: grid; place-items: center; font-size: 14px; font-weight: 600;
}

/* callout (Not Independent / warnings) */
.fsg-callout {
  background: #efe9dc; border-left: 3px solid var(--gold); border-radius: 0 6px 6px 0;
  padding: 22px 26px; margin: 0 0 16px;
}
.fsg-callout p:last-child { margin-bottom: 0; }

/* contact / definition blocks */
.fsg-defs { border: 1px solid var(--hair-d); border-radius: 8px; overflow: hidden; margin: 4px 0 16px; background: #fff; }
.fsg-defs .row { display: flex; gap: 16px; padding: 13px 20px; border-bottom: 1px solid var(--hair-d); }
.fsg-defs .row:last-child { border-bottom: none; }
.fsg-defs .k { width: 96px; flex: none; font-size: 12px; letter-spacing: .1em; text-transform: uppercase; color: var(--gold-deep); font-weight: 600; padding-top: 2px; }
.fsg-defs .v { font-size: 15.5px; color: var(--paper-ink); line-height: 1.5; }
.fsg-defs .v a { color: var(--teal); }

/* services product groups */
.fsg-services { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 6px 0 16px; }
.fsg-svc-cat { border: 1px solid var(--hair-d); border-radius: 8px; padding: 20px 22px; background: #fff; }
.fsg-svc-cat h4 { font-size: 15px; font-weight: 600; color: var(--paper-ink); margin-bottom: 12px; padding-bottom: 10px; border-bottom: 1px solid var(--hair-d); }
.fsg-svc-cat ul { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 7px; }
.fsg-svc-cat li { position: relative; padding-left: 18px; font-size: 14px; color: #46545b; line-height: 1.45; }
.fsg-svc-cat li::before { content: ''; position: absolute; left: 2px; top: .55em; width: 5px; height: 5px; border-radius: 50%; background: var(--gold); }

/* legal tables */
.fsg-table-wrap { overflow-x: auto; margin: 6px 0 14px; border: 1px solid var(--hair-d); border-radius: 8px; }
.fsg-table { width: 100%; border-collapse: collapse; font-size: 15px; min-width: 420px; }
.fsg-table caption { caption-side: top; text-align: left; font-size: 13px; color: var(--muted); padding: 0 0 8px; }
.fsg-table th { text-align: left; background: var(--ink); color: var(--cream); font-weight: 600; font-size: 13px; letter-spacing: .04em; padding: 12px 18px; }
.fsg-table th.num, .fsg-table td.num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.fsg-table td { padding: 12px 18px; border-top: 1px solid var(--hair-d); color: var(--paper-ink); }
.fsg-table tbody tr:nth-child(even) td { background: #efe9dc; }
.fsg-notes { margin: 0 0 16px; padding: 0; list-style: none; display: flex; flex-direction: column; gap: 6px; }
.fsg-notes li { font-size: 13px; color: #5b6970; line-height: 1.5; }

.fsg-print { margin-top: 8px; }

/* responsive */
@media (max-width: 900px) {
  .fsg-layout { grid-template-columns: 1fr; }
  .fsg-toc {
    position: static; top: auto; margin-bottom: 36px;
    background: #fff; border: 1px solid var(--hair-d); border-radius: 8px; padding: 18px 20px;
  }
  .fsg-toc ol { display: grid; grid-template-columns: 1fr 1fr; gap: 0 24px; }
  .fsg-toc a { border-top: none; padding: 6px 0; }
}
@media (max-width: 600px) {
  .fsg-services { grid-template-columns: 1fr; }
  .fsg-toc ol { grid-template-columns: 1fr; }
}
@media print {
  .site-head, .fsg-toc, .site-foot, .fsg-hero .back-link, .fsg-print { display: none !important; }
  .fsg-hero { padding-top: 20px; background: #fff; color: #000; }
  .fsg-hero h1, .fsg-hero .afsl { color: #000; }
  .fsg-body { background: #fff; padding-top: 12px; }
  .fsg-layout { grid-template-columns: 1fr; }
  .fsg-table th { background: #ddd; color: #000; }
}