/* =====================================================================
   KiwiNest Financial – site styles
   Forest green + gradient gold on warm cream, Fraunces + Manrope.
   ===================================================================== */

:root {
  --forest-950: #04200f;
  --forest-900: #062a19;
  --forest-800: #0b3b24;
  --forest-700: #145232;
  --fern-600: #2e7d3a;
  --fern-400: #5aa154;
  --gold-700: #8a6420;
  --gold-600: #a97c2b;
  --gold-500: #c39a3c;
  --gold-300: #e2c47a;
  --cream-50: #fffdf7;
  --cream-100: #faf6ec;
  --cream-200: #f2ead6;
  --ink: #10241a;
  --muted: #55665b;
  --line: rgba(16, 36, 26, 0.1);
  --line-dark: rgba(226, 196, 122, 0.22);

  --gold-grad: linear-gradient(135deg, #e2c47a 0%, #c39a3c 45%, #8a6420 100%);
  --fern-grad: linear-gradient(135deg, #5aa154 0%, #2e7d3a 50%, #0b3b24 100%);

  --font-display: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Manrope", -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  --radius-sm: 10px;
  --radius: 18px;
  --radius-lg: 28px;
  --shadow-sm: 0 2px 6px rgba(6, 42, 25, 0.06);
  --shadow: 0 12px 32px -12px rgba(6, 42, 25, 0.22);
  --shadow-lg: 0 30px 60px -20px rgba(6, 42, 25, 0.35);
  --container: 1180px;
  --header-h: 76px;
}

*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  background: var(--cream-100);
  color: var(--ink);
  line-height: 1.65;
  font-size: 1.0625rem;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--fern-600); text-underline-offset: 3px; }
a:hover { color: var(--forest-800); }
h1, h2, h3 { font-family: var(--font-display); font-weight: 600; line-height: 1.12; letter-spacing: -0.01em; color: var(--forest-800); }
h1 { font-size: clamp(2.4rem, 5.5vw, 3.8rem); }
h2 { font-size: clamp(1.9rem, 4vw, 2.8rem); }
h3 { font-size: 1.35rem; }
p + p { margin-top: 0.9rem; }
:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 3px; border-radius: 6px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: 1rem; top: -60px; z-index: 100; background: var(--forest-800); color: var(--cream-50); padding: 0.6rem 1rem; border-radius: 8px; }
.skip-link:focus { top: 1rem; color: var(--cream-50); }

.container { width: min(var(--container), 100% - 2.5rem); margin-inline: auto; }
.narrow { max-width: 780px; }

/* Placeholder text that must be replaced before launch */
.ph { background: rgba(226, 196, 122, 0.3); border-bottom: 1px dashed var(--gold-600); padding: 0 0.2em; border-radius: 3px; }
.on-dark .ph { background: rgba(226, 196, 122, 0.16); color: var(--gold-300); }

.gold-text, .hero h1 em {
  background: var(--gold-grad);
  -webkit-background-clip: text; background-clip: text;
  color: transparent;
}

/* ---------- Eyebrow labels ---------- */
.label {
  display: inline-flex; align-items: center; gap: 0.75rem;
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.28em; text-transform: uppercase;
  color: var(--gold-700);
}
.label::before { content: ""; width: 28px; height: 2px; background: var(--gold-grad); border-radius: 2px; }
.on-dark .label { color: var(--gold-300); }
.section-head.center .label::after { content: ""; width: 28px; height: 2px; background: var(--gold-grad); border-radius: 2px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.6rem;
  padding: 0.95rem 1.7rem; border-radius: 999px; border: 0; cursor: pointer;
  font: 700 0.98rem/1.2 var(--font-body); text-decoration: none;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background-color 0.25s ease, color 0.25s ease;
}
.btn svg { width: 18px; height: 18px; transition: transform 0.25s ease; }
.btn:hover svg { transform: translateX(3px); }
.btn-gold {
  background: var(--gold-grad); color: var(--forest-950);
  box-shadow: 0 10px 24px -10px rgba(195, 154, 60, 0.75), inset 0 1px 0 rgba(255, 255, 255, 0.35);
}
.btn-gold:hover { color: var(--forest-950); transform: translateY(-2px); box-shadow: 0 16px 30px -10px rgba(195, 154, 60, 0.85), inset 0 1px 0 rgba(255, 255, 255, 0.35); }
.btn-forest { background: var(--forest-800); color: var(--cream-50); }
.btn-forest:hover { background: var(--forest-700); color: var(--cream-50); transform: translateY(-2px); box-shadow: var(--shadow); }
.text-link {
  display: inline-flex; align-items: center; gap: 0.4rem; padding: 0.95rem 1.5rem; border-radius: 999px;
  font-weight: 700; text-decoration: none; color: var(--forest-800); box-shadow: inset 0 0 0 1.5px rgba(195, 154, 60, 0.6);
  transition: background-color 0.25s ease, transform 0.25s ease;
}
.text-link:hover { background: rgba(226, 196, 122, 0.14); transform: translateY(-2px); }
.on-dark .text-link { color: var(--cream-50); background: rgba(255, 255, 255, 0.06); box-shadow: inset 0 0 0 1.5px rgba(226, 196, 122, 0.45); }
.on-dark .text-link:hover { color: var(--cream-50); background: rgba(226, 196, 122, 0.12); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50; height: var(--header-h);
  background: rgba(250, 246, 236, 0.86);
  backdrop-filter: saturate(160%) blur(14px); -webkit-backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.3s ease, box-shadow 0.3s ease, background-color 0.3s ease;
}
.site-header.scrolled { border-color: var(--line); box-shadow: 0 6px 24px -14px rgba(6, 42, 25, 0.3); background: rgba(250, 246, 236, 0.95); }
.header-inner { height: 100%; display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; }
.brand { display: flex; align-items: center; gap: 0.7rem; text-decoration: none; flex-shrink: 0; }
.brand img { width: 50px; height: auto; mix-blend-mode: multiply; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name { font-family: var(--font-display); font-weight: 700; font-size: 1.45rem; color: var(--forest-800); letter-spacing: -0.01em; }
.brand-sub { font-size: 0.6rem; font-weight: 700; letter-spacing: 0.42em; color: var(--gold-700); margin-top: 0.3rem; }

.main-nav { display: flex; align-items: center; gap: 2rem; }
.main-nav > ul { display: flex; align-items: center; gap: 1.8rem; list-style: none; }
.main-nav > ul > li > a, .sub-toggle {
  position: relative; display: inline-flex; align-items: center; gap: 0.3rem; padding: 0.25rem 0;
  font: 600 0.95rem var(--font-body); color: var(--forest-800); text-decoration: none;
  background: none; border: 0; cursor: pointer;
}
.main-nav > ul > li > a::after, .sub-toggle::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -2px; height: 2px;
  background: var(--gold-grad); border-radius: 2px;
  transform: scaleX(0); transform-origin: left; transition: transform 0.3s ease;
}
.main-nav > ul > li > a:hover::after, .sub-toggle:hover::after,
.main-nav a[aria-current="page"]::after, .has-sub.current > .sub-toggle::after { transform: scaleX(1); }
.sub-toggle svg { width: 14px; height: 14px; transition: transform 0.2s ease; }
.has-sub { position: relative; }
.sub {
  position: absolute; top: calc(100% + 14px); left: -1rem; min-width: 260px;
  list-style: none; background: var(--cream-50); border-radius: var(--radius); padding: 0.5rem;
  box-shadow: var(--shadow-lg); border: 1px solid var(--line);
  opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s;
}
.sub::before { content: ""; position: absolute; top: -16px; left: 0; right: 0; height: 16px; }
.has-sub.open .sub { opacity: 1; visibility: visible; transform: none; }
.has-sub.open .sub-toggle svg { transform: rotate(180deg); }
@media (hover: hover) and (min-width: 961px) {
  .has-sub:hover .sub { opacity: 1; visibility: visible; transform: none; }
  .has-sub:hover .sub-toggle svg { transform: rotate(180deg); }
}
.sub a { display: block; padding: 0.75rem 0.95rem; border-radius: 12px; text-decoration: none; font-weight: 700; font-size: 0.95rem; color: var(--forest-800); }
.sub a:hover, .sub a[aria-current="page"] { background: var(--cream-200); }
.sub a small { display: block; color: var(--muted); font-size: 0.8rem; font-weight: 500; }
.main-nav .btn { padding: 0.7rem 1.3rem; font-size: 0.9rem; }

.nav-toggle {
  display: none; width: 46px; height: 46px; border-radius: 12px; border: 0; cursor: pointer;
  background: var(--forest-800); color: var(--cream-50); align-items: center; justify-content: center;
}
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  display: block; width: 20px; height: 2px; background: currentColor; border-radius: 2px; position: relative;
  transition: transform 0.3s ease, background-color 0.3s ease;
}
.nav-toggle span::before, .nav-toggle span::after { content: ""; position: absolute; left: 0; }
.nav-toggle span::before { top: -6px; }
.nav-toggle span::after { top: 6px; }
.nav-open .nav-toggle span { background: transparent; }
.nav-open .nav-toggle span::before { transform: translateY(6px) rotate(45deg); }
.nav-open .nav-toggle span::after { transform: translateY(-6px) rotate(-45deg); }

/* ---------- Dark sections ---------- */
.on-dark {
  color: rgba(255, 253, 247, 0.8);
  background:
    radial-gradient(900px 500px at 85% 15%, rgba(195, 154, 60, 0.2), transparent 60%),
    radial-gradient(700px 600px at 0% 100%, rgba(90, 161, 84, 0.22), transparent 60%),
    linear-gradient(160deg, var(--forest-800) 0%, var(--forest-900) 55%, var(--forest-950) 100%);
}
.on-dark h1, .on-dark h2, .on-dark h3 { color: var(--cream-50); }
.on-dark a:not(.btn):not(.text-link) { color: var(--gold-300); }
.hero, .page-hero, .closing {
  background:
    url("../img/fern-frond.svg") right -90px bottom -70px / clamp(280px, 38vw, 520px) no-repeat,
    radial-gradient(900px 500px at 85% 15%, rgba(195, 154, 60, 0.2), transparent 60%),
    radial-gradient(700px 600px at 0% 100%, rgba(90, 161, 84, 0.22), transparent 60%),
    linear-gradient(160deg, var(--forest-800) 0%, var(--forest-900) 55%, var(--forest-950) 100%);
}

/* Hero + page hero: dotted texture, fern frond and a wave into the next section */
.hero, .page-hero { position: relative; isolation: isolate; overflow: hidden; }
.hero::before, .page-hero::before {
  content: ""; position: absolute; inset: 0; z-index: -1; opacity: 0.5;
  background-image: radial-gradient(rgba(226, 196, 122, 0.18) 1px, transparent 1px);
  background-size: 26px 26px;
  -webkit-mask-image: linear-gradient(to bottom, black, transparent 85%);
  mask-image: linear-gradient(to bottom, black, transparent 85%);
}
.hero::after, .page-hero::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: clamp(40px, 6vw, 90px);
  background: url("../img/wave.svg") center bottom / 100% 100% no-repeat;
}

/* ---------- Home hero ---------- */
.hero { padding: clamp(3.5rem, 8vw, 6rem) 0 clamp(6rem, 12vw, 9.5rem); }
.hero-grid { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: clamp(2.5rem, 6vw, 5rem); align-items: center; }
.hero h1 { font-size: clamp(2.6rem, 6.2vw, 4.6rem); margin: 1.2rem 0 1.4rem; }
.hero h1 em { font-style: italic; font-weight: 500; }
.hero-lead { font-size: clamp(1.05rem, 1.6vw, 1.22rem); color: rgba(255, 253, 247, 0.78); max-width: 34rem; margin-bottom: 2.4rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; }

.hero-visual { position: relative; justify-self: center; width: min(100%, 420px); }
.logo-card {
  position: relative; background: var(--cream-50); border-radius: var(--radius-lg);
  padding: clamp(1.8rem, 4vw, 2.6rem);
  box-shadow: var(--shadow-lg), 0 0 0 1px rgba(226, 196, 122, 0.35);
  transform: rotate(-2deg);
  animation: float 7s ease-in-out infinite;
}
.logo-card::before {
  content: ""; position: absolute; inset: -14px; z-index: -1; border-radius: calc(var(--radius-lg) + 14px);
  border: 1.5px dashed rgba(226, 196, 122, 0.35);
}
.logo-card img { width: 100%; height: auto; mix-blend-mode: multiply; }
.chip {
  position: absolute; display: flex; align-items: center; gap: 0.65rem;
  background: rgba(255, 253, 247, 0.96); color: var(--forest-800);
  padding: 0.7rem 1rem 0.7rem 0.75rem; border-radius: 14px;
  font-weight: 700; font-size: 0.88rem; white-space: nowrap; line-height: 1.3;
  box-shadow: var(--shadow);
  animation: float 6s ease-in-out infinite;
}
.chip svg { width: 34px; height: 34px; padding: 8px; border-radius: 10px; background: var(--fern-grad); color: #fff; flex-shrink: 0; }
.chip.c2 svg { background: var(--gold-grad); color: var(--forest-950); }
.chip small { display: block; font-weight: 500; color: var(--muted); font-size: 0.75rem; }
.chip.c1 { top: 8%; left: -18%; animation-delay: -2s; }
.chip.c2 { bottom: 10%; right: -14%; animation-delay: -4s; }
@keyframes float {
  0%, 100% { translate: 0 0; }
  50% { translate: 0 -12px; }
}

/* ---------- Page hero (inner pages) ---------- */
.page-hero { padding: clamp(3.5rem, 7vw, 5.5rem) 0 clamp(5.5rem, 10vw, 8rem); }
.page-hero h1 { margin: 1rem 0 1.1rem; max-width: 18ch; }
.page-hero p { max-width: 40rem; font-size: clamp(1.05rem, 1.6vw, 1.18rem); color: rgba(255, 253, 247, 0.78); }
.page-hero .btn { margin-top: 2rem; }

/* ---------- Trust strip (floats over the hero wave) ---------- */
.trust { position: relative; z-index: 2; margin-top: clamp(-4.5rem, -6vw, -3rem); }
.trust ul {
  list-style: none; display: grid; grid-template-columns: repeat(4, 1fr);
  background: var(--cream-50); border-radius: var(--radius-lg); box-shadow: var(--shadow);
  border: 1px solid var(--line); overflow: hidden;
}
.trust li { display: flex; gap: 0.9rem; align-items: flex-start; padding: 1.6rem 1.5rem; font-size: 0.9rem; color: var(--muted); line-height: 1.45; }
.trust li + li { border-left: 1px solid var(--line); }
.trust strong { display: block; color: var(--forest-800); font-size: 1rem; margin-bottom: 0.15rem; }
.trust svg { width: 46px; height: 46px; padding: 12px; border-radius: 14px; background: rgba(195, 154, 60, 0.14); color: var(--gold-700); flex-shrink: 0; }

/* ---------- Sections ---------- */
.section { padding: clamp(4.5rem, 9vw, 7rem) 0; position: relative; }
.section.alt { background: var(--cream-50); }
.section.tint { background: var(--cream-200); }
.section-head { max-width: 660px; margin-bottom: clamp(2.5rem, 5vw, 3.5rem); }
.section-head h2 { margin: 0.9rem 0 1rem; }
.section-head p { color: var(--muted); font-size: 1.1rem; }
.on-dark .section-head p { color: rgba(255, 253, 247, 0.72); }
.section-head.center { margin-inline: auto; text-align: center; }

/* ---------- Cards ---------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.cards.two { grid-template-columns: repeat(2, 1fr); }
.card {
  position: relative; overflow: hidden; display: flex; flex-direction: column;
  background: var(--cream-50); border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 2.2rem 2rem 2rem; color: inherit;
  transition: transform 0.35s ease, box-shadow 0.35s ease, border-color 0.35s ease;
}
.section.alt .card { background: var(--cream-100); }
.card::before {
  content: ""; position: absolute; inset: 0 0 auto; height: 4px; background: var(--gold-grad);
  transform: scaleX(0); transform-origin: left; transition: transform 0.45s ease;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: rgba(195, 154, 60, 0.4); }
.card:hover::before { transform: scaleX(1); }
a.card { text-decoration: none; }
a.card:hover { color: inherit; }
.card > svg {
  width: 62px; height: 62px; padding: 16px; border-radius: 18px; margin-bottom: 1.5rem;
  background: var(--fern-grad); color: var(--cream-50);
  box-shadow: 0 12px 24px -12px rgba(11, 59, 36, 0.7);
}
.cards > .card:nth-child(2n) > svg { background: var(--gold-grad); color: var(--forest-950); box-shadow: 0 12px 24px -12px rgba(138, 100, 32, 0.7); }
.card h3 { font-size: 1.45rem; margin-bottom: 0.6rem; }
.card p { color: var(--muted); }
.card .more { margin-top: auto; padding-top: 1.4rem; font-weight: 700; color: var(--forest-800); display: inline-flex; gap: 0.45rem; align-items: center; }
.card .more svg { width: 17px; height: 17px; transition: transform 0.25s ease; }
a.card:hover .more svg { transform: translateX(4px); }
.card ul { list-style: none; display: grid; gap: 0.55rem; border-top: 1px solid var(--line); padding-top: 1.2rem; margin-top: 1.3rem; }
.card li { display: flex; gap: 0.6rem; align-items: center; font-weight: 600; font-size: 0.95rem; color: var(--forest-700); }
.card li::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--gold-500); flex-shrink: 0; }

/* ---------- Steps ---------- */
.steps { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; counter-reset: step; position: relative; }
.steps.five { grid-template-columns: repeat(5, 1fr); }
.steps::before {
  content: ""; position: absolute; top: 34px; left: 12%; right: 12%; height: 2px;
  background: repeating-linear-gradient(90deg, var(--gold-500) 0 8px, transparent 8px 16px); opacity: 0.6;
}
.step { position: relative; text-align: center; padding: 0 0.4rem; counter-increment: step; }
.step::before {
  content: counter(step, decimal-leading-zero);
  position: relative; display: grid; place-items: center; width: 70px; height: 70px; margin: 0 auto 1.4rem; border-radius: 50%;
  background: var(--forest-800); color: var(--gold-300);
  font-family: var(--font-display); font-size: 1.6rem; font-weight: 600;
  box-shadow: 0 0 0 8px var(--step-ring, var(--cream-200)), 0 0 0 9px rgba(195, 154, 60, 0.4);
  transition: transform 0.3s ease, background-color 0.3s ease;
}
.step:hover::before { transform: scale(1.08); background: var(--fern-600); }
.section.alt .steps { --step-ring: var(--cream-50); }
.step h3 { font-size: 1.25rem; margin-bottom: 0.45rem; }
.step p { color: var(--muted); font-size: 0.97rem; }

/* ---------- Adviser ---------- */
.adviser { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: clamp(2.5rem, 6vw, 5rem); align-items: center; }
.portrait {
  aspect-ratio: 4 / 5; border-radius: var(--radius-lg); overflow: hidden; position: relative;
  background: radial-gradient(circle at 30% 20%, rgba(226, 196, 122, 0.35), transparent 55%), var(--fern-grad);
  display: grid; place-items: center; box-shadow: var(--shadow-lg);
}
.portrait img { width: 100%; height: 100%; object-fit: cover; }
.portrait .monogram {
  width: 58%; aspect-ratio: 1; border-radius: 50%; display: grid; place-items: center;
  background: var(--cream-50); color: var(--forest-800);
  font-family: var(--font-display); font-weight: 600; font-size: clamp(3.5rem, 8vw, 5.5rem);
  box-shadow: 0 0 0 12px rgba(255, 253, 247, 0.12), 0 0 0 26px rgba(255, 253, 247, 0.06);
}
.portrait figcaption { position: absolute; bottom: 1.1rem; left: 0; right: 0; text-align: center; font-size: 0.8rem; color: rgba(255, 253, 247, 0.7); }
.adviser .prose p:first-of-type, .adviser > div > p { color: var(--muted); }
.facts { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: 2rem; }
.facts li { padding: 1.1rem 1.2rem; border-radius: var(--radius); background: var(--cream-50); border: 1px solid var(--line); font-size: 0.9rem; color: var(--muted); line-height: 1.45; }
.section.alt .facts li { background: var(--cream-100); }
.facts strong { display: flex; gap: 0.5rem; align-items: center; color: var(--forest-800); font-size: 0.98rem; margin-bottom: 0.25rem; }
.facts strong::before { content: ""; width: 9px; height: 9px; border-radius: 3px; background: var(--gold-grad); transform: rotate(45deg); }

/* ---------- Logo strip (lenders / insurers) ---------- */
.logo-strip { text-align: center; }
.logo-strip p { font-size: 0.78rem; font-weight: 700; letter-spacing: 0.28em; text-transform: uppercase; color: var(--gold-700); margin-bottom: 1.5rem; }
.logo-strip ul { list-style: none; display: flex; flex-wrap: wrap; justify-content: center; gap: 1rem; }
.logo-strip li {
  width: 160px; height: 70px; border-radius: 14px; display: grid; place-items: center;
  background: var(--cream-50); border: 1px dashed rgba(16, 36, 26, 0.2); color: rgba(16, 36, 26, 0.38); font-size: 0.82rem;
}
.logo-strip li img { max-width: 78%; max-height: 58%; filter: grayscale(1); opacity: 0.75; transition: filter 0.25s ease, opacity 0.25s ease; }
.logo-strip li img:hover { filter: none; opacity: 1; }

/* ---------- Content blocks ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4rem); align-items: start; }
.prose h2 { margin: 2.6rem 0 0.9rem; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin: 1.8rem 0 0.5rem; font-size: 1.25rem; }
.prose p, .prose li { color: var(--ink); }
.prose ul, .prose ol { margin: 0.9rem 0 0 1.3rem; display: grid; gap: 0.45rem; }
.prose li::marker { color: var(--gold-500); }
.note {
  margin-top: 1.8rem; padding: 1.2rem 1.4rem; border-radius: var(--radius); background: var(--cream-50);
  border-left: 4px solid var(--gold-500); font-size: 0.97rem; color: var(--muted); box-shadow: var(--shadow-sm);
}
.note strong { color: var(--forest-800); }
.panel { background: var(--cream-50); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(1.8rem, 4vw, 2.6rem); box-shadow: var(--shadow); }
.panel h2 { font-size: clamp(1.6rem, 3vw, 2rem); margin-bottom: 0.5rem; }
.panel > p { color: var(--muted); margin-bottom: 1.5rem; }
.callout { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem 3rem; align-items: center; }
.callout p { margin-top: 0.6rem; color: var(--muted); }

/* ---------- Closing band ---------- */
.closing { text-align: center; padding: clamp(4rem, 9vw, 6.5rem) 0; position: relative; overflow: hidden; }
.closing h2 { margin-bottom: 0.9rem; }
.closing p { max-width: 34rem; margin: 0 auto 2rem; color: rgba(255, 253, 247, 0.75); }

/* ---------- Forms ---------- */
.form { display: grid; gap: 1.1rem; }
.form label { display: block; font-weight: 700; font-size: 0.85rem; color: var(--forest-800); margin-bottom: 0.45rem; }
.form input, .form select, .form textarea {
  width: 100%; font: inherit; font-size: 0.98rem; color: var(--ink);
  padding: 0.85rem 1rem; border-radius: 12px; border: 1.5px solid var(--line); background: var(--cream-100);
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease;
}
.form textarea { min-height: 120px; resize: vertical; }
.form input:focus, .form select:focus, .form textarea:focus { outline: none; border-color: var(--gold-500); background: #fff; box-shadow: 0 0 0 4px rgba(195, 154, 60, 0.18); }
.form .btn { justify-self: start; }
.form-status { font-size: 0.92rem; font-weight: 700; color: var(--fern-600); min-height: 1.4em; }
.form-status.error { color: #a1301d; }
.form-small { font-size: 0.82rem; color: var(--muted); }
.inline-form { display: flex; gap: 0.8rem; flex-wrap: wrap; }
.inline-form input { flex: 1 1 220px; }

/* ---------- Booking ---------- */
.calendar-box {
  min-height: 400px; border-radius: var(--radius-lg); background: var(--cream-50); border: 1px solid var(--line); box-shadow: var(--shadow);
  display: grid; place-items: center; text-align: center; padding: 2.5rem; overflow: hidden;
}
.calendar-box iframe { width: 100%; height: 700px; border: 0; }
.calendar-box svg { width: 66px; height: 66px; padding: 16px; border-radius: 18px; background: var(--gold-grad); color: var(--forest-950); margin: 0 auto 1.2rem; }
.calendar-box h2 { font-size: clamp(1.5rem, 3vw, 1.9rem); margin-bottom: 0.6rem; }
.calendar-box p { color: var(--muted); max-width: 28rem; margin-inline: auto; }
.contact-lines { list-style: none; display: grid; gap: 1.1rem; margin-top: 1.6rem; }
.contact-lines li { display: flex; gap: 0.9rem; align-items: center; }
.contact-lines svg { width: 46px; height: 46px; padding: 12px; border-radius: 12px; background: rgba(195, 154, 60, 0.14); color: var(--gold-700); flex-shrink: 0; }
.contact-lines small { display: block; color: var(--muted); font-size: 0.8rem; line-height: 1.2; }
.contact-lines a { font-weight: 700; color: var(--forest-800); text-decoration: none; }
.contact-lines a:hover { color: var(--fern-600); }

/* ---------- Calculators ---------- */
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.5rem; align-items: start; }
.calc { background: var(--cream-50); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); }
.calc-head { padding: 1.8rem 2rem 0; }
.calc-head h2 { font-size: 1.6rem !important; }
.calc-head p { color: var(--muted); font-size: 0.95rem; margin-top: 0.35rem; }
.calc-body { padding: 1.5rem 2rem 2rem; display: grid; gap: 1.3rem; }
.field label { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; font-weight: 700; font-size: 0.9rem; color: var(--forest-800); margin-bottom: 0.55rem; }
.field label output { font-family: var(--font-display); font-size: 1.25rem; font-weight: 600; color: var(--gold-700); }
.money { position: relative; }
.money::before { content: "$"; position: absolute; left: 1rem; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.money input { padding-left: 1.9rem !important; }
.field input[type="text"] {
  width: 100%; font: inherit; font-weight: 600; padding: 0.8rem 1rem; border-radius: 12px; border: 1.5px solid var(--line); background: var(--cream-100);
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background-color 0.2s ease;
}
.field input[type="text"]:focus { outline: none; border-color: var(--gold-500); background: #fff; box-shadow: 0 0 0 4px rgba(195, 154, 60, 0.18); }
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 999px; cursor: pointer;
  background: linear-gradient(90deg, var(--gold-500) var(--fill, 50%), var(--cream-200) var(--fill, 50%));
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%;
  background: var(--cream-50); border: 5px solid var(--gold-500);
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.25); transition: transform 0.2s ease;
}
input[type="range"]::-moz-range-thumb { width: 14px; height: 14px; border-radius: 50%; background: var(--cream-50); border: 5px solid var(--gold-500); box-shadow: 0 4px 12px rgba(0, 0, 0, 0.25); }
input[type="range"]:hover::-webkit-slider-thumb { transform: scale(1.12); }
.seg { display: flex; gap: 0.35rem; padding: 0.35rem; border-radius: 999px; background: var(--cream-200); }
.seg button {
  flex: 1; border: 0; cursor: pointer; font: 700 0.88rem var(--font-body);
  padding: 0.6rem 0.8rem; border-radius: 999px; background: transparent; color: var(--muted);
  transition: background-color 0.25s ease, color 0.25s ease;
}
.seg button[aria-pressed="true"] { background: var(--gold-grad); color: var(--forest-950); }
.calc-result { padding: 1.8rem 2rem; }
.calc-result .result-label { font-size: 0.75rem; font-weight: 700; letter-spacing: 0.22em; text-transform: uppercase; color: var(--gold-300); }
.calc-result .big { font-family: var(--font-display); font-weight: 700; font-size: clamp(1.9rem, 4vw, 2.6rem); color: var(--cream-50); line-height: 1.15; margin: 0.4rem 0 1rem; }
.calc-result .big small { font-family: var(--font-body); font-size: 0.95rem; font-weight: 600; color: rgba(255, 253, 247, 0.65); }
.calc-result dl { display: grid; grid-template-columns: 1fr auto; gap: 0.45rem 1rem; font-size: 0.93rem; border-top: 1px solid var(--line-dark); padding-top: 1rem; }
.calc-result dd { color: var(--cream-50); font-weight: 700; text-align: right; }
.calc-result .msg { font-size: 0.9rem; margin-top: 0.9rem; color: var(--gold-300); }
.disclaimer { font-size: 0.82rem; color: var(--muted); margin-top: 1.4rem; }

/* ---------- Investments ---------- */
.soon-badge { display: inline-block; padding: 0.4rem 1rem; border-radius: 999px; background: var(--gold-grad); color: var(--forest-950); font-size: 0.75rem; font-weight: 800; letter-spacing: 0.2em; text-transform: uppercase; }

/* ---------- Legal pages ---------- */
.legal-toc { list-style: none; display: flex; flex-wrap: wrap; gap: 0.6rem; margin-bottom: 2.5rem; }
.legal-toc a { display: inline-block; padding: 0.5rem 1.1rem; border-radius: 999px; border: 1px solid var(--line); background: var(--cream-50); text-decoration: none; font-size: 0.9rem; font-weight: 700; color: var(--forest-800); transition: border-color 0.2s ease, background-color 0.2s ease; }
.legal-toc a:hover { border-color: var(--gold-500); background: #fff; }
.draft-banner { padding: 1rem 1.3rem; border-radius: var(--radius); background: rgba(226, 196, 122, 0.22); border: 1px dashed var(--gold-600); font-size: 0.95rem; margin-bottom: 2rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--forest-950); color: rgba(255, 253, 247, 0.7); padding: 4rem 0 2rem; font-size: 0.93rem; }
.footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 2.5rem; padding-bottom: 2.5rem; border-bottom: 1px solid rgba(226, 196, 122, 0.15); }
.footer-brand { display: inline-flex; align-items: center; gap: 0.8rem; text-decoration: none; margin-bottom: 1.1rem; }
.footer-brand .badge { width: 52px; height: 52px; border-radius: 14px; background: var(--cream-50); display: grid; place-items: center; padding: 6px; }
.footer-brand img { mix-blend-mode: multiply; }
.footer-brand .brand-name { color: var(--cream-50); }
.footer-brand .brand-sub { color: var(--gold-300); }
.site-footer h2 { font-family: var(--font-body); font-size: 0.78rem; font-weight: 700; letter-spacing: 0.24em; text-transform: uppercase; color: var(--cream-50); margin-bottom: 1rem; }
.site-footer ul { list-style: none; display: grid; gap: 0.55rem; }
.site-footer a, .site-footer.on-dark a:not(.btn) { color: rgba(255, 253, 247, 0.75); text-decoration: none; }
.site-footer a:hover, .site-footer.on-dark a:not(.btn):hover { color: var(--gold-300); }
.compliance { padding-top: 1.8rem; font-size: 0.84rem; color: rgba(255, 253, 247, 0.55); display: grid; gap: 0.9rem; }
.compliance nav { display: flex; flex-wrap: wrap; gap: 0.4rem 1.4rem; }

/* ---------- Back to top + mobile booking bar ---------- */
.to-top {
  position: fixed; right: 1.25rem; bottom: 1.25rem; z-index: 40; width: 48px; height: 48px; border-radius: 50%;
  border: 0; cursor: pointer; display: grid; place-items: center;
  background: var(--gold-grad); color: var(--forest-950); box-shadow: var(--shadow);
  opacity: 0; transform: translateY(14px); pointer-events: none;
  transition: opacity 0.3s ease, transform 0.3s ease;
}
.to-top.show { opacity: 1; transform: none; pointer-events: auto; }
.to-top svg { width: 20px; height: 20px; }
.mobile-cta { display: none; }

/* ---------- Reveal on scroll (JS only) ---------- */
.js .reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.8s ease, transform 0.8s cubic-bezier(0.2, 0.7, 0.2, 1); }
.js .reveal.in { opacity: 1; transform: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .main-nav, .main-nav > ul { gap: 1.3rem; }
  .steps.five { grid-template-columns: repeat(3, 1fr); row-gap: 3rem; }
  .steps.five::before { display: none; }
  .chip.c1 { left: -6%; }
  .chip.c2 { right: -6%; }
}
@media (max-width: 960px) {
  .nav-toggle { display: inline-flex; }
  .main-nav {
    position: fixed; inset: var(--header-h) 0 auto 0; z-index: 49;
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--cream-50); border-bottom: 1px solid var(--line); box-shadow: var(--shadow);
    padding: 0.5rem 1.25rem 1.5rem; max-height: calc(100vh - var(--header-h)); overflow-y: auto;
    clip-path: inset(0 0 100% 0); visibility: hidden; transition: clip-path 0.35s ease, visibility 0.35s;
  }
  .nav-open .main-nav { clip-path: inset(0); visibility: visible; }
  .main-nav > ul { flex-direction: column; align-items: stretch; gap: 0; }
  .main-nav > ul > li { border-bottom: 1px solid var(--line); }
  .main-nav > ul > li > a, .sub-toggle { width: 100%; padding: 0.95rem 0.2rem; justify-content: space-between; font-size: 1.02rem; }
  .main-nav > ul > li > a::after, .sub-toggle::after { display: none; }
  .sub { position: static; box-shadow: none; border: 0; background: none; padding: 0 0 0.6rem 0.4rem; min-width: 0; display: none; opacity: 1; visibility: visible; transform: none; }
  .has-sub.open .sub { display: block; }
  .main-nav .btn { margin-top: 1.2rem; width: 100%; }
  .hero-grid, .adviser, .split, .calc-grid, .callout { grid-template-columns: 1fr; }
  .hero-visual { width: min(100%, 340px); margin-top: 1rem; }
  .trust ul { grid-template-columns: 1fr 1fr; }
  .trust li:nth-child(3) { border-left: 0; }
  .trust li:nth-child(n+3) { border-top: 1px solid var(--line); }
  .cards { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; row-gap: 3rem; }
  .steps::before { display: none; }
  .portrait { max-width: 420px; width: 100%; margin-inline: auto; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-top > div:first-child { grid-column: 1 / -1; }

  /* Sticky "Book a chat" bar with click-to-call */
  .mobile-cta {
    display: grid; grid-template-columns: auto 1fr; gap: 0.6rem;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 45;
    padding: 0.7rem 1rem calc(0.7rem + env(safe-area-inset-bottom));
    background: rgba(250, 246, 236, 0.96); border-top: 1px solid var(--line);
    backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  }
  .mobile-cta .btn { padding: 0.8rem 1.2rem; }
  .mobile-cta .call { background: var(--cream-50); color: var(--forest-800); box-shadow: inset 0 0 0 1.5px var(--line); }
  .to-top { bottom: 5.5rem; }
  body { padding-bottom: 76px; }
}
@media (max-width: 620px) {
  body { font-size: 1rem; }
  .cards, .cards.two, .steps, .steps.five, .facts { grid-template-columns: 1fr; }
  .trust ul { grid-template-columns: 1fr; }
  .trust li + li { border-left: 0; border-top: 1px solid var(--line); }
  .chip { font-size: 0.8rem; }
  .chip small { display: none; }
  .chip.c1 { left: -4%; top: -4%; }
  .chip.c2 { right: -4%; bottom: -4%; }
  .footer-top { grid-template-columns: 1fr; }
  .logo-strip li { width: 135px; }
  .seg button { padding: 0.55rem 0.5rem; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .js .reveal { opacity: 1; transform: none; }
}