/* BTEC Financial — shared design system (inner pages) */
:root{
  --navy-950:#050505;
  --navy-900:#0B0B0B;
  --navy-850:#101010;
  --navy-800:#161616;
  --navy-700:#222222;
  --gold-deep:#9C7A1D;
  --gold:#D4AF37;
  --gold-lt:#F2CE5E;
  --gold-pale:#FFE9A8;
  --t-white:#F5F1E8;
  --t-light:#D6D2C6;
  --t-faint:#9A968A;
  --line-d:rgba(227,197,103,.16);
  --serif:'Cormorant Garamond',Georgia,serif;
  --sans:'Inter',system-ui,sans-serif;
  --ease:cubic-bezier(.16,1,.3,1);
}
*{margin:0;padding:0;box-sizing:border-box;-webkit-tap-highlight-color:transparent}
button,a,input,select,textarea,[tabindex]{outline:none}
button:focus:not(:focus-visible),a:focus:not(:focus-visible),input:focus:not(:focus-visible),select:focus:not(:focus-visible),textarea:focus:not(:focus-visible){outline:none;box-shadow:none}
button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:2px solid var(--gold-lt);outline-offset:2px}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
html,body{overflow-x:clip;background:var(--navy-950)}
body{font-family:var(--sans);color:var(--t-light);font-size:16px;line-height:1.7;font-weight:400;-webkit-font-smoothing:antialiased}
::selection{background:var(--gold);color:var(--navy-950)}
img,video,svg{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit}
.wrap{width:min(1240px,92vw);margin:0 auto}
h1,h2,h3{font-family:var(--serif);font-weight:600;line-height:1.08;color:var(--t-white)}
.gold{color:var(--gold-lt)}
em.script{font-family:var(--serif);font-style:italic;font-weight:500}

/* grain */
.grain{position:fixed;inset:-50%;width:200%;height:200%;pointer-events:none;z-index:2000;opacity:.04;
  background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 300 300' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.72' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
  animation:grain 8s steps(10) infinite}
@keyframes grain{0%,100%{transform:translate(0,0)}10%{transform:translate(-5%,-8%)}30%{transform:translate(3%,-12%)}50%{transform:translate(-8%,3%)}70%{transform:translate(6%,8%)}90%{transform:translate(-3%,5%)}}
#progress{position:fixed;top:0;left:0;height:2px;width:0;background:linear-gradient(90deg,var(--gold-deep),var(--gold-lt));z-index:1500}

/* page enter */
body{opacity:0;animation:pageIn .7s ease .05s forwards}
@keyframes pageIn{to{opacity:1}}

/* nav */
nav{position:fixed;top:0;left:0;right:0;z-index:1000;transition:background .45s,backdrop-filter .45s,border-color .45s;border-bottom:1px solid transparent}
nav.scrolled{background:rgba(4,4,4,.86);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-color:rgba(227,197,103,.12)}
.nav-in{width:min(1360px,94vw);margin:0 auto;display:flex;align-items:center;gap:26px;padding:14px 0;transition:padding .45s}
nav.scrolled .nav-in{padding:9px 0}
.brand{display:flex;align-items:center;gap:12px;margin-right:auto}
.brand .logo-chip{width:46px;height:46px;flex-shrink:0;display:flex;align-items:center;justify-content:center;filter:drop-shadow(0 4px 10px rgba(0,0,0,.45))}
.brand .logo-chip img{width:46px;height:auto}
.brand .wm{display:flex;flex-direction:column;line-height:1.02}
.brand .wm b{font-family:var(--serif);font-weight:600;font-size:17.5px;color:var(--t-white);letter-spacing:.01em;white-space:nowrap}
.brand .wm i{font-style:normal;font-size:8.5px;letter-spacing:.42em;color:var(--gold-lt);text-transform:uppercase;font-weight:600;margin-top:3px}
.nav-links{display:flex;gap:4px;align-items:center}
.nav-links>a,.nd>a{font-size:11.5px;letter-spacing:.14em;font-weight:600;color:#D7DEE7;text-transform:uppercase;position:relative;padding:8px 11px;transition:color .3s;white-space:nowrap;display:inline-flex;align-items:center;gap:6px}
.nav-links>a:hover,.nd:hover>a,.nd>a:hover{color:var(--gold-lt)}
.nd{position:relative}
.nd>a svg{width:9px;height:9px;stroke:currentColor;stroke-width:2;fill:none;transition:transform .3s var(--ease)}
.nd:hover>a svg{transform:rotate(180deg)}
.nd-menu{position:absolute;top:100%;left:50%;transform:translate(-50%,10px);min-width:240px;background:rgba(8,8,8,.97);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border:1px solid rgba(227,197,103,.2);border-radius:12px;padding:10px;opacity:0;visibility:hidden;transition:opacity .3s var(--ease),transform .3s var(--ease),visibility .3s;box-shadow:0 30px 70px -20px rgba(0,0,0,.8);z-index:50}
.nd-menu:before{content:"";position:absolute;top:-12px;left:0;right:0;height:12px}
.nd:hover .nd-menu,.nd:focus-within .nd-menu{opacity:1;visibility:visible;transform:translate(-50%,4px)}
.nd-menu a{display:flex;align-items:center;gap:10px;padding:10px 14px;font-size:12.5px;font-weight:500;letter-spacing:.02em;color:var(--t-light);border-radius:8px;transition:background .25s,color .25s,padding-left .25s;white-space:nowrap}
.nd-menu a:hover{background:rgba(199,160,50,.12);color:var(--gold-pale);padding-left:18px}
.nd-menu a.all{border-top:1px solid rgba(227,197,103,.14);margin-top:6px;padding-top:12px;color:var(--gold-lt);font-weight:700;font-size:11px;letter-spacing:.14em;text-transform:uppercase}
.nav-phone{font-size:13px;color:var(--t-white);font-weight:600;display:flex;align-items:center;gap:8px;white-space:nowrap;margin-left:10px}
.nav-phone svg{width:15px;height:15px;stroke:var(--gold-lt)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:17px 32px;cursor:pointer;border:1px solid var(--gold);transition:all .4s var(--ease);position:relative;overflow:hidden;white-space:nowrap;border-radius:4px}
.btn span{position:relative;z-index:2}
.btn svg{width:15px;height:15px;position:relative;z-index:2;transition:transform .4s var(--ease)}
.btn:hover svg{transform:translateX(5px)}
.btn-gold{background:linear-gradient(120deg,var(--gold-deep),var(--gold-lt) 60%,var(--gold-pale));color:var(--navy-950);box-shadow:0 10px 30px -10px rgba(199,160,50,.55)}
.btn-gold:after{content:"";position:absolute;top:0;bottom:0;width:40%;left:-60%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.75),transparent);transform:skewX(-20deg);transition:left .7s var(--ease);z-index:1}
.btn-gold:hover:after{left:130%}
.btn-gold:hover{box-shadow:0 14px 38px -10px rgba(199,160,50,.75);transform:translateY(-2px)}
.btn-ghost{background:rgba(245,241,232,.03);color:var(--t-white);border-color:rgba(245,241,232,.3)}
.btn-ghost:hover{border-color:var(--gold-lt);color:var(--gold-lt);background:rgba(199,160,50,.08);transform:translateY(-2px)}
.nav-cta{padding:13px 26px}
#burger{display:none;background:none;border:none;cursor:pointer;width:34px;height:26px;position:relative;z-index:1102}
#burger span{position:absolute;left:0;width:100%;height:1.5px;background:var(--t-white);transition:all .4s var(--ease)}
#burger span:nth-child(1){top:4px}#burger span:nth-child(2){top:12px}#burger span:nth-child(3){top:20px}
#burger.open span:nth-child(1){top:12px;transform:rotate(45deg);background:var(--gold-lt)}
#burger.open span:nth-child(2){opacity:0}
#burger.open span:nth-child(3){top:12px;transform:rotate(-45deg);background:var(--gold-lt)}
#mnav{position:fixed;inset:0;background:rgba(4,4,4,.98);backdrop-filter:blur(20px);z-index:1100;display:flex;flex-direction:column;justify-content:flex-start;padding:96px 8vw 40px;gap:0;clip-path:inset(0 0 100% 0);transition:clip-path .65s var(--ease);visibility:hidden;overflow-y:auto}
#mnav.open{clip-path:inset(0 0 0% 0);visibility:visible}
.mg{border-bottom:1px solid rgba(227,197,103,.14)}
.mg-h{width:100%;background:none;border:none;font-family:var(--serif);font-size:clamp(24px,5.6vw,34px);color:var(--t-white);padding:14px 0;display:flex;justify-content:space-between;align-items:center;cursor:pointer;text-align:left;font-weight:600}
.mg-h small{font-family:var(--sans);font-size:11px;letter-spacing:.2em;color:var(--gold);transition:transform .4s var(--ease)}
.mg.open .mg-h small{transform:rotate(45deg)}
.mg-b{max-height:0;overflow:hidden;transition:max-height .5s var(--ease)}
.mg-b a{display:block;font-size:14.5px;color:var(--t-light);padding:9px 0 9px 14px;border-left:1px solid rgba(227,197,103,.25)}
.mg-b a:active{color:var(--gold-lt)}
.mg-b{padding-bottom:0}.mg.open .mg-b{padding-bottom:14px}
#mnav>a.single{font-family:var(--serif);font-size:clamp(24px,5.6vw,34px);color:var(--t-white);padding:14px 0;border-bottom:1px solid rgba(227,197,103,.14);display:flex;justify-content:space-between;align-items:center;font-weight:600}
#mnav>a.single small{font-family:var(--sans);font-size:11px;letter-spacing:.2em;color:var(--gold)}
#mnav .m-cta{margin-top:26px;border:none;font-family:var(--sans);font-size:13px;letter-spacing:.22em;justify-content:center;flex-shrink:0}

/* ===== page hero ===== */
.phero{position:relative;min-height:min(88svh,860px);display:flex;align-items:center;overflow:hidden;padding:150px 0 70px}
.phero.slim{min-height:0;padding:170px 0 80px}
.phero-media{position:absolute;inset:0}
.phero-media img{width:100%;height:100%;object-fit:cover;transform:scale(1.06)}
.phero-veil{position:absolute;inset:0;background:linear-gradient(100deg,rgba(4,4,4,.96) 0%,rgba(4,4,4,.78) 42%,rgba(4,4,4,.44) 75%,rgba(4,4,4,.62) 100%)}
.phero-veil:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,var(--navy-950) 0%,transparent 24%),radial-gradient(ellipse 60% 50% at 22% 60%,rgba(199,160,50,.13),transparent 60%)}
.phero-in{position:relative;z-index:2;width:min(1240px,92vw);margin:0 auto;display:grid;grid-template-columns:1.2fr .92fr;gap:clamp(40px,5vw,80px);align-items:center}
.phero-in>*{min-width:0}
.phero.slim .phero-in{grid-template-columns:1fr;text-align:left}
.crumbs{display:flex;align-items:center;gap:10px;font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--t-faint);font-weight:600;margin-bottom:20px;flex-wrap:wrap}
.crumbs a{transition:color .3s}
.crumbs a:hover{color:var(--gold-lt)}
.crumbs svg{width:10px;height:10px;stroke:var(--t-faint);stroke-width:2;fill:none;flex-shrink:0}
.crumbs b{color:var(--gold-lt);font-weight:600}
.badge{display:inline-flex;align-items:center;gap:10px;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-lt);font-weight:600;border:1px solid rgba(227,197,103,.35);padding:9px 18px;border-radius:99px;background:rgba(199,160,50,.08);line-height:1.5;max-width:100%}
.badge svg{width:13px;height:13px;fill:var(--gold-lt);flex-shrink:0}
.phero h1{font-size:clamp(38px,4.8vw,64px);margin:22px 0 20px;letter-spacing:-.01em}
.phero h1 em{font-style:italic;font-weight:500;background:linear-gradient(100deg,var(--gold) 5%,var(--gold-pale) 50%,var(--gold) 95%);-webkit-background-clip:text;background-clip:text;color:transparent}
.phero-sub{max-width:490px;font-size:16.5px;color:#D7DEE7;font-weight:300}
.phero-ctas{display:flex;gap:16px;margin:30px 0 0;flex-wrap:wrap}
.phero-chips{display:flex;gap:10px;flex-wrap:wrap;margin-top:30px;max-width:520px}
.pchip{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(227,197,103,.28);border-radius:99px;padding:8px 16px;font-size:12.5px;color:var(--t-light);background:rgba(199,160,50,.07);font-weight:500}
.pchip svg{width:13px;height:13px;stroke:var(--gold-lt);stroke-width:2.2;fill:none;flex-shrink:0}
.pchip b{color:var(--gold-lt);font-weight:600}

/* survey (quick quote) */
.survey{background:linear-gradient(160deg,rgba(22,22,22,.92),rgba(4,4,4,.97));border:1px solid rgba(227,197,103,.24);border-radius:12px;padding:30px 30px 26px;backdrop-filter:blur(12px);box-shadow:0 40px 90px -30px rgba(0,0,0,.65);position:relative}
.survey:before{content:"";position:absolute;top:0;left:0;right:0;height:3px;border-radius:12px 12px 0 0;background:linear-gradient(90deg,var(--gold-deep),var(--gold-lt),var(--gold-deep))}
.survey-coin{position:absolute;top:16px;right:20px;width:clamp(62px,5vw,78px);z-index:4;pointer-events:none}
@keyframes coinFloat{0%,100%{transform:translateY(0) rotate(-2deg)}50%{transform:translateY(-11px) rotate(2deg)}}
@keyframes coinSpin{from{transform:perspective(520px) rotateY(0deg)}to{transform:perspective(520px) rotateY(360deg)}}
/* 3D coin — --cd is half the coin's thickness; scale it with the coin's width */
.coin3d{display:block;transform-style:preserve-3d;animation:coinSpin 9s linear infinite}
.coin3d img{display:block;width:100%;backface-visibility:hidden}
.coin3d .c3f{position:relative;transform:translateZ(var(--cd,4px));filter:drop-shadow(0 14px 24px rgba(0,0,0,.5))}
.coin3d .c3b{position:absolute;inset:0;transform:rotateY(180deg) translateZ(var(--cd,4px))}
.coin3d i{position:absolute;inset:1.5%;border-radius:50%;background:linear-gradient(100deg,#8A6A1C,#E0BE60 45%,#A98526 70%,#7A5C15)}
.coin3d i:nth-of-type(1){transform:translateZ(calc(var(--cd,4px) * -.95))}
.coin3d i:nth-of-type(2){transform:translateZ(calc(var(--cd,4px) * -.85))}
.coin3d i:nth-of-type(3){transform:translateZ(calc(var(--cd,4px) * -.75))}
.coin3d i:nth-of-type(4){transform:translateZ(calc(var(--cd,4px) * -.65))}
.coin3d i:nth-of-type(5){transform:translateZ(calc(var(--cd,4px) * -.55))}
.coin3d i:nth-of-type(6){transform:translateZ(calc(var(--cd,4px) * -.45))}
.coin3d i:nth-of-type(7){transform:translateZ(calc(var(--cd,4px) * -.35))}
.coin3d i:nth-of-type(8){transform:translateZ(calc(var(--cd,4px) * -.25))}
.coin3d i:nth-of-type(9){transform:translateZ(calc(var(--cd,4px) * -.15))}
.coin3d i:nth-of-type(10){transform:translateZ(calc(var(--cd,4px) * -.05))}
.coin3d i:nth-of-type(11){transform:translateZ(calc(var(--cd,4px) * .05))}
.coin3d i:nth-of-type(12){transform:translateZ(calc(var(--cd,4px) * .15))}
.coin3d i:nth-of-type(13){transform:translateZ(calc(var(--cd,4px) * .25))}
.coin3d i:nth-of-type(14){transform:translateZ(calc(var(--cd,4px) * .35))}
.coin3d i:nth-of-type(15){transform:translateZ(calc(var(--cd,4px) * .45))}
.coin3d i:nth-of-type(16){transform:translateZ(calc(var(--cd,4px) * .55))}
.coin3d i:nth-of-type(17){transform:translateZ(calc(var(--cd,4px) * .65))}
.coin3d i:nth-of-type(18){transform:translateZ(calc(var(--cd,4px) * .75))}
.coin3d i:nth-of-type(19){transform:translateZ(calc(var(--cd,4px) * .85))}
.coin3d i:nth-of-type(20){transform:translateZ(calc(var(--cd,4px) * .95))}
.coin3d b{position:absolute;top:5%;bottom:5%;left:50%;width:calc(var(--cd,4px) * 2);margin-left:calc(var(--cd,4px) * -1);border-radius:var(--cd,4px);transform:rotateY(90deg);background:linear-gradient(180deg,#A07C22,#E0BE60 30%,#C19A31 60%,#7A5C15)}
.survey h3{font-size:22px;margin-bottom:4px;padding-right:88px}
.survey .s-sub{font-size:12.5px;color:var(--t-faint);margin-bottom:20px;padding-right:88px}
.s-steps{display:flex;align-items:flex-end;gap:5px;margin-bottom:22px;height:30px}
.s-step{flex:1;display:flex;flex-direction:column;gap:6px;justify-content:flex-end}
.s-step i{font-style:normal;font-size:9px;letter-spacing:.14em;color:var(--t-faint);font-weight:600;text-transform:uppercase}
.s-step u{text-decoration:none;display:block;background:rgba(227,197,103,.15);border-radius:2px;height:5px}
.s-step:nth-child(1) u{height:7px}.s-step:nth-child(2) u{height:12px}.s-step:nth-child(3) u{height:17px}
.s-step.on i{color:var(--gold-lt)}
.s-step.on u{background:linear-gradient(90deg,var(--gold-deep),var(--gold-lt))}
.s-pane{display:none}
.s-pane.on{display:block;animation:paneIn .5s var(--ease)}
@keyframes paneIn{from{opacity:0;transform:translateX(22px)}to{opacity:1;transform:none}}
.s-q{font-size:14.5px;font-weight:600;color:var(--t-white);margin-bottom:14px}
.s-opts{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.s-opt{border:1px solid rgba(227,197,103,.25);background:rgba(245,241,232,.03);border-radius:6px;padding:14px 12px;font-size:13.5px;font-weight:500;color:#D7DEE7;cursor:pointer;transition:all .3s var(--ease);text-align:center}
.s-opt:hover{border-color:var(--gold-lt);background:rgba(199,160,50,.12);color:var(--gold-pale);transform:translateY(-2px)}
.s-fields{display:grid;gap:11px}
.s-fields input{background:rgba(245,241,232,.05);border:1px solid rgba(227,197,103,.25);border-radius:6px;padding:13px 15px;font-size:14px;color:var(--t-white);font-family:var(--sans);outline:none;transition:border-color .3s;width:100%}
.s-fields input::placeholder{color:var(--t-faint)}
.s-fields input:focus{border-color:var(--gold-lt)}
.s-submit{width:100%;margin-top:4px;border:none}
.s-note{display:flex;align-items:center;gap:8px;font-size:11px;color:var(--t-faint);margin-top:14px;justify-content:center}
.s-note svg{width:13px;height:13px;stroke:var(--gold);flex-shrink:0}
.s-back{background:none;border:none;color:var(--t-faint);font-size:11.5px;letter-spacing:.1em;cursor:pointer;margin-bottom:10px;display:none;padding:0;text-transform:uppercase;font-weight:600}
.s-back:hover{color:var(--gold-lt)}
.s-done{text-align:center;padding:24px 0 10px}
.s-done svg{width:52px;height:52px;margin:0 auto 16px;stroke:var(--gold-lt)}
.s-done b{font-family:var(--serif);font-size:21px;color:var(--t-white);font-weight:600;display:block;margin-bottom:6px}
.s-done p{font-size:13.5px;color:var(--t-faint)}

/* sections */
section{position:relative}
.sec-pad{padding:clamp(88px,9.5vw,140px) 0}
.sec-pad-s{padding:clamp(64px,7vw,100px) 0}
.sec-alt{background:var(--navy-900)}
.kicker{display:flex;align-items:center;gap:14px;font-size:11px;letter-spacing:.3em;text-transform:uppercase;color:var(--gold-lt);font-weight:700}
.kicker:before{content:"";width:44px;height:1.5px;background:var(--gold)}
.kicker.center{justify-content:center}
.kicker.center:after{content:"";width:44px;height:1.5px;background:var(--gold)}
.sec-head{display:flex;align-items:flex-end;justify-content:space-between;gap:30px;margin-bottom:clamp(40px,4.6vw,64px);flex-wrap:wrap}
.sec-head h2{font-size:clamp(32px,4vw,54px);max-width:18ch;margin-top:18px;letter-spacing:-.01em}
.sec-head p{max-width:440px;font-size:15.5px;color:var(--t-faint)}
.sec-head.center{flex-direction:column;align-items:center;text-align:center}
.sec-head.center h2{max-width:24ch}
.light-sec{background:#F4F0E6}
.light-sec.tone2{background:#FBF9F2}
.light-sec.tone3{background:linear-gradient(180deg,#EFE7D5,#F6F1E4)}
.light-sec h2,.light-sec h3.dk{color:#1A1A1A}
.light-sec .sec-head p{color:#5C594E}
.light-sec .kicker{color:#9C7A1D}
.light-sec .kicker:before,.light-sec .kicker.center:after{background:#9C7A1D}
.light-sec .card{box-shadow:0 24px 55px -30px rgba(0,0,0,.4)}
.light-sec .card:hover{box-shadow:0 38px 80px -32px rgba(0,0,0,.5),0 0 0 1px rgba(176,141,30,.25),0 0 44px -18px rgba(199,160,50,.4)}
.dark-glow{background:radial-gradient(ellipse 70% 60% at 50% 0%,#1A1608,var(--navy-950) 70%)}

/* cards */
.card{background:linear-gradient(160deg,var(--navy-800),var(--navy-900) 70%);border:1px solid rgba(227,197,103,.16);border-radius:12px;position:relative;overflow:hidden;transition:transform .18s ease-out,box-shadow .5s var(--ease),border-color .4s;will-change:transform}
.card:hover{border-color:rgba(227,197,103,.45);box-shadow:0 34px 70px -30px rgba(0,0,0,.7),0 0 0 1px rgba(227,197,103,.12),0 0 44px -18px rgba(199,160,50,.35)}
.card .shine{position:absolute;top:0;bottom:0;width:34%;left:-50%;background:linear-gradient(100deg,transparent,rgba(242,227,179,.09),transparent);transform:skewX(-18deg);transition:left .8s var(--ease);pointer-events:none;z-index:4}
.card:hover .shine{left:125%}
.b-icon{width:50px;height:50px;border-radius:10px;background:rgba(199,160,50,.14);border:1px solid rgba(227,197,103,.4);display:flex;align-items:center;justify-content:center;margin-bottom:20px}
.b-icon svg{width:25px;height:25px;stroke:var(--gold-lt);stroke-width:1.5;fill:none}
.b-chip{display:inline-flex;align-items:center;gap:7px;font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-lt)}
.b-chip svg{width:14px;height:14px;stroke:var(--gold-lt);stroke-width:2;fill:none}

/* glance spec band */
.glance{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:1px;background:rgba(20,18,10,.14);border:1px solid rgba(20,18,10,.14);border-radius:14px;overflow:hidden;box-shadow:0 30px 60px -34px rgba(0,0,0,.35)}
.glance>div{background:#FDFCF8;padding:28px 26px;transition:background .35s}
.glance>div:hover{background:#FFFDF6}
.glance b{font-family:var(--serif);font-size:clamp(24px,2.2vw,30px);color:#1A1A1A;display:block;line-height:1.1;font-weight:600}
.glance .gl-lbl{font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:#9C7A1D;font-weight:700;display:block;margin-bottom:10px}
.glance small{display:block;font-size:12.5px;color:#5C594E;margin-top:8px;line-height:1.55}

/* split feature */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(36px,5.5vw,86px);align-items:center}
.split .sp-img{border-radius:14px;overflow:hidden;box-shadow:0 30px 70px -30px rgba(0,0,0,.5);position:relative}
.split.rev .sp-img{order:2}
.sp-img img{width:100%;height:clamp(320px,38vw,440px);object-fit:cover;transition:transform 1.2s var(--ease)}
.sp-img:hover img{transform:scale(1.05)}
.sp-img .sp-tag{position:absolute;left:20px;bottom:20px;background:rgba(4,4,4,.88);backdrop-filter:blur(10px);border:1px solid rgba(227,197,103,.35);border-radius:10px;padding:12px 18px;display:flex;align-items:center;gap:12px}
.sp-img .sp-tag img{width:34px;height:34px;object-fit:contain}
.sp-img .sp-tag b{font-family:var(--serif);font-size:19px;color:var(--gold-lt);display:block;line-height:1}
.sp-img .sp-tag span{font-size:9.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--t-faint);font-weight:600}
.sp-txt h2{font-size:clamp(30px,3.6vw,48px);margin:18px 0 18px;letter-spacing:-.01em}
.sp-txt>p{font-size:15.5px;color:#4A473E;margin-bottom:14px}
.light-sec .sp-txt>p{color:#4A473E}
.sec-alt .sp-txt>p,.dark-glow .sp-txt>p{color:var(--t-faint)}
.ck{list-style:none;display:grid;gap:12px;margin-top:24px}
.ck.two{grid-template-columns:1fr 1fr;gap:12px 22px}
.ck li{display:flex;gap:12px;align-items:flex-start;font-size:14.5px;color:#3F3C33;font-weight:500;line-height:1.55}
.sec-alt .ck li,.dark-glow .ck li{color:var(--t-light)}
.ck svg{width:19px;height:19px;stroke:#9C7A1D;stroke-width:2;fill:none;flex-shrink:0;margin-top:3px}
.sec-alt .ck svg,.dark-glow .ck svg{stroke:var(--gold-lt)}
.sp-txt .btn{margin-top:28px}
.sp-solo{max-width:860px;margin:0 auto;text-align:center}
.sp-solo>p{max-width:720px;margin-left:auto;margin-right:auto}
.sp-solo .ck.two{max-width:660px;margin:30px auto 0;text-align:left}

/* feature grid */
.fgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.fgrid.four{grid-template-columns:repeat(4,1fr)}
.fgrid.two{grid-template-columns:repeat(2,1fr)}
.fcard{padding:30px 28px;display:flex;flex-direction:column}
.fcard h3{font-size:20px;margin-bottom:9px;color:var(--t-white)}
.fcard p{font-size:13.8px;line-height:1.65;color:var(--t-faint)}
.fcard .b-chip{margin-top:auto;padding-top:18px}
.fcard a.b-chip:hover{color:var(--gold-pale)}

/* process (light cards on dark) */
.proc{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:proc}
.proc.three{grid-template-columns:repeat(3,1fr)}
.pcard{background:#FDFCF8;border:1px solid rgba(227,197,103,.35);border-radius:12px;padding:30px 26px;position:relative;transition:transform .4s var(--ease),box-shadow .5s}
.pcard:hover{transform:translateY(-6px);box-shadow:0 30px 60px -26px rgba(0,0,0,.65),0 0 40px -16px rgba(199,160,50,.4)}
.pcard i.num{font-style:italic;font-family:var(--serif);font-size:44px;color:rgba(156,122,29,.45);font-weight:600;line-height:1;display:block;margin-bottom:14px}
.pcard h3{font-size:19px;color:#1A1A1A;margin-bottom:8px}
.pcard p{font-size:13.5px;color:#5C594E;line-height:1.6}
.pcard .pc-chip{display:inline-block;margin-top:14px;font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:#9C7A1D}
.pcard:after{content:"";position:absolute;top:0;left:0;right:0;height:3px;border-radius:12px 12px 0 0;background:linear-gradient(90deg,var(--gold-deep),var(--gold-lt));transform:scaleX(0);transform-origin:left;transition:transform .5s var(--ease)}
.pcard:hover:after{transform:scaleX(1)}

/* faq (reuse wa) */
.wa{display:grid;gap:10px}
.wa.narrow{max-width:840px;margin:0 auto}
.wa-item{background:linear-gradient(160deg,var(--navy-800),var(--navy-900));border:1px solid rgba(227,197,103,.2);border-radius:10px;overflow:hidden;transition:border-color .35s,box-shadow .35s}
.wa-item.open{border-color:rgba(227,197,103,.5);box-shadow:0 22px 50px -24px rgba(0,0,0,.55)}
.wa-head{display:flex;align-items:center;gap:15px;width:100%;background:none;border:none;padding:17px 20px;cursor:pointer;text-align:left}
.wa-head .num{font-family:var(--serif);font-style:italic;font-size:15px;color:rgba(227,197,103,.55);width:24px;flex-shrink:0}
.wa-item.open .wa-head .num{color:var(--gold-lt)}
.wa-head svg.ic{width:22px;height:22px;stroke:var(--gold-lt);stroke-width:1.6;fill:none;flex-shrink:0}
.wa-head b{font-family:var(--serif);font-size:17.5px;color:var(--t-white);font-weight:600;flex:1}
.wa-head .pm{width:26px;height:26px;border-radius:50%;border:1px solid rgba(227,197,103,.4);position:relative;flex-shrink:0;transition:transform .4s var(--ease),background .3s}
.wa-head .pm:before,.wa-head .pm:after{content:"";position:absolute;background:var(--gold-lt);top:50%;left:50%;transform:translate(-50%,-50%)}
.wa-head .pm:before{width:10px;height:1.5px}
.wa-head .pm:after{width:1.5px;height:10px;transition:opacity .3s}
.wa-item.open .pm{transform:rotate(180deg);background:rgba(199,160,50,.15)}
.wa-item.open .pm:after{opacity:0}
.wa-body{max-height:0;overflow:hidden;transition:max-height .5s var(--ease)}
.wa-body p{padding:0 20px 18px 59px;font-size:13.8px;color:var(--t-faint)}

/* testimonials row */
.trow{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.t-card{padding:28px;display:flex;flex-direction:column;border-radius:10px}
.t-card .q{font-family:var(--serif);font-size:74px;line-height:.6;color:rgba(227,197,103,.25);display:block;margin-bottom:14px}
.t-stars{display:flex;gap:3px;margin-bottom:14px}
.t-stars svg{width:14px;height:14px;fill:var(--gold-lt)}
.t-card blockquote{font-size:14px;line-height:1.7;color:var(--t-light);border:none;margin-bottom:20px}
.t-who{display:flex;gap:13px;align-items:center;margin-top:auto}
.t-ava{width:44px;height:44px;border-radius:50%;background:linear-gradient(140deg,var(--gold-deep),var(--gold-lt));display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:600;font-size:15px;color:var(--navy-950);flex-shrink:0}
.t-who b{font-size:13.5px;color:var(--t-white);display:block;font-weight:600}
.t-who span{font-size:11.5px;color:var(--t-faint);display:block}
/* marquee variant */
.t-mq{overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);padding:10px 0 26px}
.t-track{display:flex;gap:16px;width:max-content;animation:tmq 130s linear infinite}
.t-mq:hover .t-track{animation-play-state:paused}
@keyframes tmq{to{transform:translateX(-50%)}}
.t-mq .t-card{padding:16px 18px;width:min(250px,68vw);flex-shrink:0}
.t-mq .t-card .q{font-size:36px;margin-bottom:4px}
.t-mq .t-card blockquote{font-size:11.8px;line-height:1.6;margin-bottom:13px}
.t-mq .t-stars{margin-bottom:9px}
.t-mq .t-stars svg{width:12px;height:12px}
.t-mq .t-ava{width:30px;height:30px;font-size:11.5px}
.t-mq .t-who{gap:9px}
.t-mq .t-who b{font-size:11.5px}
.t-mq .t-who span{font-size:9.5px}

/* related */
.rel{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.rel a.card{padding:28px;display:flex;flex-direction:column;gap:10px}
.rel h3{font-size:19px;color:var(--t-white)}
.rel p{font-size:13.2px;color:var(--t-faint);line-height:1.6}
.rel .b-chip{margin-top:auto;padding-top:14px}

/* ticker */
.ticker-band{background:linear-gradient(115deg,#A8871F,#E3C567 45%,#C7A032 75%,#A8871F);padding:clamp(18px,2.4vw,28px) 0;overflow:hidden;border-top:1px solid rgba(4,4,4,.2);border-bottom:1px solid rgba(4,4,4,.2)}
.mq{display:flex;overflow:hidden;user-select:none;mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.mq-track{display:flex;flex-shrink:0;align-items:center;animation:mq 36s linear infinite}
.mq-track span{font-family:var(--serif);font-size:clamp(24px,2.6vw,36px);font-weight:600;color:transparent;-webkit-text-stroke:1px rgba(4,4,4,.65);white-space:nowrap;padding:0 22px;transition:color .4s}
.mq-track span:hover{color:var(--navy-950);-webkit-text-stroke-color:transparent}
.mq-track a{display:contents}
.mq-track i{font-style:normal;color:rgba(4,4,4,.65);font-size:15px}
@keyframes mq{to{transform:translateX(-50%)}}

/* CTA */
.cta{position:relative;overflow:hidden;background:var(--navy-950)}
.cta-bg{position:absolute;inset:0}
.cta-bg img{width:100%;height:100%;object-fit:cover;opacity:.55}
.cta-bg:after{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 85% 85% at 50% 50%,rgba(4,4,4,.32),rgba(4,4,4,.95))}
.cta-in{position:relative;z-index:2;padding:clamp(100px,11vw,170px) 0;display:grid;grid-template-columns:auto 1fr;gap:clamp(30px,5vw,70px);align-items:center}
.cta-mascot{--cd:7px;display:block;width:clamp(100px,10vw,142px)}
.cta-mascot .c3f{filter:drop-shadow(0 26px 40px rgba(0,0,0,.6))}
.cta-txt h2{font-size:clamp(36px,4.8vw,66px);max-width:16ch;margin:22px 0 16px;letter-spacing:-.01em}
.cta-txt>p{max-width:52ch;margin:0 0 34px;font-size:16px}
.cta-actions{display:flex;gap:18px;flex-wrap:wrap;align-items:center}
.cta-phone{font-size:14px;color:var(--t-light)}
.cta-phone b{color:var(--t-white);font-weight:600}

/* footer */
footer{background:#030303;border-top:1px solid var(--line-d);padding:clamp(56px,6.6vw,84px) 0 32px}
.f-grid{display:grid;grid-template-columns:1.35fr 1fr 1fr 1fr 1.1fr;gap:clamp(24px,3vw,44px);margin-bottom:54px}
.f-brand .brand{margin:0 0 18px}
.f-brand p{font-size:13.5px;max-width:30ch;color:var(--t-faint)}
.f-col h4{font-size:11px;letter-spacing:.26em;text-transform:uppercase;color:var(--gold-lt);font-weight:700;margin-bottom:20px}
.f-col a,.f-col address{display:block;font-size:13.4px;color:var(--t-light);padding:5px 0;font-style:normal;transition:color .3s,padding-left .3s}
.f-col a:hover{color:var(--gold-lt);padding-left:6px}
.f-bottom{border-top:1px solid rgba(227,197,103,.12);padding-top:26px;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;font-size:12.5px;color:var(--t-faint)}
.f-bottom .f-links{display:flex;gap:24px}
.f-bottom a:hover{color:var(--gold-lt)}
.f-bottom-right{display:flex;align-items:center;gap:24px;flex-wrap:wrap}
.f-powered{display:flex;align-items:center;gap:8px;color:var(--t-white);transition:opacity .3s}
.f-powered:hover{color:var(--t-white);opacity:.8}
.f-powered span{font-size:12.5px;font-weight:500}
.f-powered img{height:26px;width:auto;display:block}

/* ===== application wizard ===== */
#appWiz{position:relative}
.aw-shell{position:relative;margin:0 auto;width:min(1040px,94vw);min-height:620px;background:linear-gradient(160deg,var(--navy-800),var(--navy-950) 75%);border:1px solid rgba(227,197,103,.3);border-radius:16px;box-shadow:0 50px 110px -40px rgba(0,0,0,.55);display:grid;grid-template-columns:300px 1fr;overflow:hidden}
.aw-rail{background:rgba(5,14,27,.6);border-right:1px solid rgba(227,197,103,.14);padding:30px 26px;display:flex;flex-direction:column;position:relative;overflow:hidden}
.aw-rail .brand{margin-bottom:30px}
.aw-steps{display:grid;gap:4px;position:relative;z-index:2}
.aw-st{display:flex;gap:12px;align-items:center;padding:10px 10px;border-radius:8px;transition:background .3s}
.aw-st i{font-style:normal;width:28px;height:28px;border-radius:50%;border:1px solid rgba(227,197,103,.35);display:flex;align-items:center;justify-content:center;font-size:11.5px;font-weight:600;color:var(--t-faint);transition:all .35s;flex-shrink:0}
.aw-st span{font-size:12.5px;letter-spacing:.06em;color:var(--t-faint);font-weight:600;transition:color .3s}
.aw-st.on{background:rgba(199,160,50,.1)}
.aw-st.on i{background:linear-gradient(120deg,var(--gold-deep),var(--gold-lt));color:var(--navy-950);border-color:transparent}
.aw-st.on span{color:var(--t-white)}
.aw-st.done i{border-color:var(--gold-lt);color:var(--gold-lt)}
.aw-st.done span{color:var(--t-light)}
.aw-mascot{margin:auto auto 0;width:82px}
.aw-main{display:flex;flex-direction:column;min-width:0}
.aw-head{display:flex;align-items:center;justify-content:space-between;padding:22px 32px;border-bottom:1px solid rgba(227,197,103,.12)}
.aw-head b{font-family:var(--serif);font-size:19px;color:var(--t-white);font-weight:600}
.aw-prog{flex:1;height:4px;background:rgba(227,197,103,.14);border-radius:99px;margin:0 26px;overflow:hidden}
.aw-prog i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--gold-deep),var(--gold-lt));border-radius:99px;transition:width .6s var(--ease)}
.aw-body{flex:1;padding:34px 40px}
.aw-pane{display:none;animation:paneIn .5s var(--ease)}
.aw-pane.on{display:block}
.aw-q{font-family:var(--serif);font-size:clamp(22px,2.4vw,30px);color:var(--t-white);font-weight:600;margin-bottom:6px;line-height:1.15}
.aw-hint{font-size:13px;color:var(--t-faint);margin-bottom:26px}
.aw-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.aw-tile{border:1px solid rgba(227,197,103,.25);background:rgba(245,241,232,.03);border-radius:10px;padding:20px 18px;cursor:pointer;transition:all .3s var(--ease);text-align:left;display:flex;gap:14px;align-items:center;color:var(--t-light)}
.aw-tile svg{width:30px;height:30px;stroke:var(--gold-lt);stroke-width:1.5;fill:none;flex-shrink:0}
.aw-tile b{display:block;font-size:15px;color:var(--t-white);font-weight:600}
.aw-tile small{font-size:12px;color:var(--t-faint);display:block;margin-top:2px}
.aw-tile:hover{border-color:var(--gold-lt);background:rgba(199,160,50,.1);transform:translateY(-3px)}
.aw-tile.sel{border-color:var(--gold-lt);background:rgba(199,160,50,.16);box-shadow:0 0 0 1px var(--gold-lt),0 0 30px -10px rgba(199,160,50,.5)}
.aw-chips{display:flex;flex-wrap:wrap;gap:10px}
.aw-chip{border:1px solid rgba(227,197,103,.28);background:rgba(245,241,232,.03);border-radius:99px;padding:11px 20px;font-size:13.5px;font-weight:500;color:var(--t-light);cursor:pointer;transition:all .28s var(--ease)}
.aw-chip:hover{border-color:var(--gold-lt);color:var(--gold-pale);transform:translateY(-2px)}
.aw-chip.sel{background:linear-gradient(120deg,var(--gold-deep),var(--gold-lt));color:var(--navy-950);border-color:transparent;font-weight:700}
.aw-lbl{display:block;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-lt);font-weight:700;margin:26px 0 12px}
.aw-lbl:first-of-type{margin-top:0}
.aw-slider{padding:6px 0 2px}
.aw-slide-val{font-family:var(--serif);font-size:clamp(34px,4vw,48px);color:var(--gold-lt);font-weight:600;line-height:1;margin-bottom:18px;transition:transform .15s}
.aw-slide-val.bump{transform:scale(1.06)}
input[type=range].aw-range{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;background:linear-gradient(90deg,var(--gold-deep) var(--fill,50%),rgba(227,197,103,.16) var(--fill,50%));outline:none;cursor:pointer}
input[type=range].aw-range::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:linear-gradient(140deg,var(--gold-lt),var(--gold-deep));border:3px solid var(--navy-950);box-shadow:0 0 0 1.5px var(--gold-lt),0 6px 18px -4px rgba(199,160,50,.7);transition:transform .2s}
input[type=range].aw-range::-webkit-slider-thumb:hover{transform:scale(1.15)}
input[type=range].aw-range::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:linear-gradient(140deg,var(--gold-lt),var(--gold-deep));border:3px solid var(--navy-950);box-shadow:0 0 0 1.5px var(--gold-lt)}
.aw-range-marks{display:flex;justify-content:space-between;font-size:11px;color:var(--t-faint);margin-top:10px;letter-spacing:.05em}
.aw-fico{display:flex;align-items:center;gap:26px;flex-wrap:wrap}
.aw-fico-num{font-family:var(--serif);font-size:46px;font-weight:600;line-height:1;min-width:110px}
.aw-fico-tag{font-size:11px;letter-spacing:.16em;text-transform:uppercase;font-weight:700;display:block;margin-top:6px}
.aw-fields{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.aw-fields .full{grid-column:1/-1}
.aw-fields input,.aw-fields select,.aw-fields textarea{background:rgba(245,241,232,.05);border:1px solid rgba(227,197,103,.25);border-radius:8px;padding:14px 16px;font-size:14px;color:var(--t-white);font-family:var(--sans);outline:none;transition:border-color .3s,box-shadow .3s;width:100%}
.aw-fields input::placeholder,.aw-fields textarea::placeholder{color:var(--t-faint)}
.aw-fields input:focus,.aw-fields select:focus,.aw-fields textarea:focus{border-color:var(--gold-lt);box-shadow:0 0 0 3px rgba(199,160,50,.15)}
.aw-fields select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23E3C567' fill='none' stroke-width='1.6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 15px center}
.aw-fields select option{background:var(--navy-900);color:var(--t-white)}
.aw-drop{border:1.5px dashed rgba(227,197,103,.4);border-radius:12px;padding:36px 20px;text-align:center;cursor:pointer;transition:all .3s;background:rgba(199,160,50,.04)}
.aw-drop:hover,.aw-drop.over{border-color:var(--gold-lt);background:rgba(199,160,50,.1)}
.aw-drop svg{width:38px;height:38px;stroke:var(--gold-lt);stroke-width:1.4;fill:none;margin:0 auto 12px}
.aw-drop b{color:var(--t-white);font-size:14.5px;display:block;font-weight:600}
.aw-drop span{font-size:12px;color:var(--t-faint)}
.aw-files{display:grid;gap:8px;margin-top:14px}
.aw-file{display:flex;align-items:center;gap:10px;background:rgba(245,241,232,.05);border:1px solid rgba(227,197,103,.2);border-radius:8px;padding:10px 14px;font-size:13px;color:var(--t-light);animation:paneIn .35s var(--ease)}
.aw-file svg{width:16px;height:16px;stroke:var(--gold-lt);stroke-width:1.6;fill:none;flex-shrink:0}
.aw-file button{margin-left:auto;background:none;border:none;color:var(--t-faint);cursor:pointer;font-size:15px}
.aw-file button:hover{color:#E88}
.aw-review{display:grid;gap:0;border:1px solid rgba(227,197,103,.18);border-radius:10px;overflow:hidden}
.aw-rrow{display:flex;justify-content:space-between;gap:20px;padding:13px 18px;font-size:13.5px;background:rgba(245,241,232,.02)}
.aw-rrow:nth-child(even){background:rgba(245,241,232,.05)}
.aw-rrow span{color:var(--t-faint)}
.aw-rrow b{color:var(--t-white);font-weight:600;text-align:right}
.aw-success{text-align:center;padding:30px 0}
.aw-success .ok{width:84px;height:84px;margin:0 auto 22px;border-radius:50%;border:1.5px solid var(--gold-lt);display:flex;align-items:center;justify-content:center;animation:okPop .6s var(--ease)}
.aw-success .ok svg{width:40px;height:40px;stroke:var(--gold-lt);stroke-width:2;fill:none}
@keyframes okPop{0%{transform:scale(.4);opacity:0}70%{transform:scale(1.12)}100%{transform:scale(1);opacity:1}}
.aw-success h3{font-size:30px;margin-bottom:10px}
.aw-success p{font-size:14.5px;color:var(--t-faint);max-width:44ch;margin:0 auto 8px}
.aw-foot{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px 16px;padding:18px 32px;border-top:1px solid rgba(227,197,103,.12)}
.aw-foot .aw-back{order:1}
.aw-foot .aw-next{order:2}
.aw-foot .aw-secure{order:3;flex-basis:100%;justify-content:center;margin-top:2px}
.aw-back{background:none;border:none;color:var(--t-faint);font-size:12px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;cursor:pointer;display:inline-flex;align-items:center;gap:8px;padding:10px 0;transition:color .3s}
.aw-back:hover{color:var(--gold-lt)}
.aw-back svg{width:15px;height:15px;stroke:currentColor;stroke-width:2;fill:none}
.aw-back[disabled]{opacity:0;pointer-events:none}
.aw-next{border:none}
.aw-next[disabled]{opacity:.45;pointer-events:none;filter:saturate(.5)}
.aw-secure{display:flex;align-items:center;gap:8px;font-size:11px;color:var(--t-faint)}
.aw-secure svg{width:13px;height:13px;stroke:var(--gold);stroke-width:1.8;fill:none}
@media(max-width:880px){
  .aw-shell{grid-template-columns:1fr;min-height:0}
  .aw-rail{display:none}
  .aw-body{padding:26px 22px}
  .aw-head{padding:16px 20px}
  .aw-foot{padding:16px 20px}
  .aw-grid{grid-template-columns:1fr}
  .aw-fields{grid-template-columns:1fr}
}

/* ===== calculator ===== */
.calc-shell{display:grid;grid-template-columns:1.1fr .9fr;width:min(1040px,94vw);margin:0 auto;background:linear-gradient(160deg,var(--navy-800),var(--navy-950) 75%);border:1px solid rgba(227,197,103,.3);border-radius:16px;box-shadow:0 50px 110px -40px rgba(0,0,0,.55);overflow:hidden}
.calc-ctrl{padding:38px 40px;border-right:1px solid rgba(227,197,103,.14)}
.calc-ctrl .aw-lbl{margin-top:28px}
.calc-ctrl .aw-lbl:first-child{margin-top:0}
.calc-val{font-family:var(--serif);font-size:clamp(26px,2.6vw,34px);color:var(--gold-lt);font-weight:600;line-height:1;margin-bottom:14px}
.calc-out{padding:38px 40px;display:flex;flex-direction:column;justify-content:center;background:rgba(199,160,50,.05)}
.calc-out .co-big{font-family:var(--serif);font-size:clamp(44px,5vw,64px);color:var(--t-white);font-weight:600;line-height:1}
.calc-out .co-lbl{font-size:10.5px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-lt);font-weight:700;margin-bottom:10px}
.calc-rows{margin-top:28px;display:grid;gap:0;border-top:1px solid rgba(227,197,103,.16)}
.calc-rows div{display:flex;justify-content:space-between;padding:13px 0;border-bottom:1px solid rgba(227,197,103,.16);font-size:13.5px}
.calc-rows span{color:var(--t-faint)}
.calc-rows b{color:var(--t-white);font-weight:600}
.calc-bar{margin-top:24px;height:10px;border-radius:99px;overflow:hidden;display:flex;background:rgba(227,197,103,.14)}
.calc-bar i{display:block;height:100%;background:linear-gradient(90deg,var(--gold-deep),var(--gold-lt));transition:width .5s var(--ease)}
.calc-key{display:flex;gap:18px;margin-top:12px;font-size:11px;color:var(--t-faint)}
.calc-key i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:middle}
.calc-note{font-size:11.5px;color:var(--t-faint);margin-top:22px;line-height:1.6}
@media(max-width:880px){.calc-shell{grid-template-columns:1fr}.calc-ctrl{border-right:none;border-bottom:1px solid rgba(227,197,103,.14);padding:28px 24px}.calc-out{padding:28px 24px}}

/* ===== contact ===== */
.con-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(30px,4vw,60px);align-items:start}
.con-cards{display:grid;gap:14px}
.con-card{padding:24px 26px;display:flex;gap:18px;align-items:flex-start}
.con-card .b-icon{margin:0;flex-shrink:0}
.con-card h3{font-size:18px;color:var(--t-white);margin-bottom:4px}
.con-card p,.con-card a.cl{font-size:13.8px;color:var(--t-faint);display:block;line-height:1.6}
.con-card a.cl:hover{color:var(--gold-lt)}
.con-form{padding:34px 36px}
.con-form h3{font-size:24px;color:var(--t-white);margin-bottom:6px}
.con-form .aw-hint{margin-bottom:22px}
.con-form .aw-fields textarea{min-height:130px;resize:vertical}
.con-form .btn{margin-top:18px;border:none;width:100%}

/* legal */
.legal{max-width:820px;margin:0 auto}
.legal h2{color:#1A1A1A;font-size:clamp(24px,2.6vw,32px);margin:44px 0 14px}
.legal h2:first-child{margin-top:0}
.legal p,.legal li{font-size:14.5px;color:#4A473E;margin-bottom:12px;line-height:1.75}
.legal ul{padding-left:22px;margin-bottom:14px}
.legal .updated{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:#9C7A1D;font-weight:700;margin-bottom:26px;display:block}

/* sticky mobile action bar */
.sticky-cta{display:none;position:fixed;left:0;right:0;bottom:0;z-index:950;grid-template-columns:auto 1fr;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(4,4,4,.94);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-top:1px solid rgba(227,197,103,.35);box-shadow:0 -14px 34px -18px rgba(0,0,0,.6)}
.sticky-cta .sc-call{display:flex;align-items:center;justify-content:center;width:52px;border:1px solid rgba(227,197,103,.45);border-radius:6px;background:rgba(199,160,50,.1)}
.sticky-cta .sc-call svg{width:20px;height:20px;stroke:var(--gold-lt);fill:none;stroke-width:1.8}
.sticky-cta .btn{padding:15px 10px;justify-content:center;border:none}
@media(max-width:820px){
  .sticky-cta{display:grid}
  footer{padding-bottom:calc(32px + 76px + env(safe-area-inset-bottom))}
}

/* reveals */
.rv{opacity:0;transform:translateY(44px)}
@media (prefers-reduced-motion:reduce){
  *,*:before,*:after{animation-duration:.001s !important;transition-duration:.001s !important}
  .rv{opacity:1;transform:none}
}

/* responsive */
@media(max-width:1180px){
  .nav-links{display:none}
  .nav-phone{display:none}
  #burger{display:block}
}
@media(max-width:1020px){
  .phero-in{grid-template-columns:1fr;gap:46px}
  .phero{padding-top:130px}
  .split{grid-template-columns:1fr}
  .split.rev .sp-img{order:0}
  .fgrid,.fgrid.four{grid-template-columns:1fr 1fr}
  .proc{grid-template-columns:1fr 1fr}
  .proc.three{grid-template-columns:1fr}
  .trow{grid-template-columns:1fr}
  .rel{grid-template-columns:1fr}
  .con-grid{grid-template-columns:1fr}
  .cta-in{grid-template-columns:1fr;text-align:center;justify-items:center}
  .cta-mascot{order:2;margin-top:10px}
  .cta-txt .kicker{justify-content:center}
  .cta-txt .kicker:after{content:"";width:44px;height:1.5px;background:var(--gold)}
  .cta-actions{justify-content:center}
  .f-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .nav-cta{display:none}
  .f-grid{grid-template-columns:1fr}
  .phero .btn{width:100%;justify-content:center}
  .s-opts{grid-template-columns:1fr 1fr}
  .badge{font-size:9.5px;letter-spacing:.14em;padding:8px 14px}
  .survey-coin{width:54px;top:14px;right:14px;--cd:3px}
  .cta-mascot{--cd:5px}
  .survey h3,.survey .s-sub{padding-right:66px}
  .fgrid,.fgrid.four{grid-template-columns:1fr}
  .proc{grid-template-columns:1fr}
  .glance{grid-template-columns:1fr 1fr}
  .glance>div{padding:20px 18px}
  .glance b{font-size:20px}
  .ck.two{grid-template-columns:1fr}
  .wa-head b{font-size:15.5px}
  .wa-body p{padding-left:20px}
  .con-form{padding:26px 22px}
  .phero-chips .pchip{font-size:11px;padding:7px 12px}
}

/* section video band — matches .sp-img framing; poster carries it until playback starts */
.sp-vid video{display:block;width:100%;height:clamp(320px,38vw,440px);object-fit:cover;background:#0a0a0a}
.sp-vid::after{content:"";position:absolute;inset:0;pointer-events:none;box-shadow:inset 0 0 0 1px rgba(227,197,103,.22);border-radius:14px}
.sp-vid video[controls]{cursor:pointer}
@media(max-width:820px){.sp-vid video{height:clamp(230px,54vw,320px)}}

/* ===== CEO letter ===== */
.ceo-sec{background:linear-gradient(180deg,var(--navy-950),var(--navy-900) 55%,var(--navy-950));position:relative;overflow:hidden}
.ceo-sec:before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse 55% 60% at 18% 30%,rgba(199,160,50,.11),transparent 62%);pointer-events:none}
.ceo{position:relative;z-index:1;display:grid;grid-template-columns:.82fr 1.18fr;gap:clamp(40px,5.5vw,86px);align-items:start}
.ceo-rail{position:sticky;top:112px}
.ceo-thesis{font-size:clamp(34px,3.7vw,52px);line-height:1.06;margin:22px 0 34px;letter-spacing:-.01em}
.ceo-thesis em{font-style:italic;font-weight:500;background:linear-gradient(100deg,var(--gold) 5%,var(--gold-pale) 50%,var(--gold) 95%);-webkit-background-clip:text;background-clip:text;color:transparent}
.ceo-sign{display:flex;align-items:center;gap:14px;padding-top:26px;border-top:1px solid var(--line-d)}
.ceo-sign img{width:44px;height:44px;object-fit:contain;flex-shrink:0}
.ceo-sign b{display:block;font-family:var(--serif);font-size:21px;font-weight:600;color:var(--t-white);line-height:1.2}
.ceo-sign span{display:block;font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-lt);font-weight:600;margin-top:4px}
.ceo-body>p{font-size:16.5px;line-height:1.85;color:var(--t-light);font-weight:300;margin-bottom:22px}
.ceo-body>p:last-child{margin-bottom:0}
.ceo-lead{font-family:var(--serif);font-style:italic;font-size:clamp(20px,1.9vw,25px)!important;line-height:1.45!important;color:var(--t-white)!important;font-weight:500!important;margin:34px 0 26px!important}
.ceo-pull{font-family:var(--serif);font-size:clamp(21px,2vw,27px);line-height:1.4;color:var(--gold-lt);font-weight:600;border-left:3px solid var(--gold-deep);padding:4px 0 4px 24px;margin:32px 0}
@media(max-width:900px){
  .ceo{grid-template-columns:1fr;gap:34px}
  .ceo-rail{position:static}
  .ceo-thesis{margin:18px 0 26px}
  .ceo-body>p{font-size:15.5px;line-height:1.8}
  .ceo-pull{padding-left:18px;margin:26px 0}
}