/* ==========================================================================
   Chanakya Wealth Solutions — site styles
   Palette: deep navy ink, warm ivory paper, antique gold. Type: Fraunces + Manrope.
   ========================================================================== */

@font-face { font-family: "Fraunces"; src: url("../fonts/fraunces-normal.woff2") format("woff2"); font-weight: 300 700; font-style: normal; font-display: swap; }
@font-face { font-family: "Fraunces"; src: url("../fonts/fraunces-italic.woff2") format("woff2"); font-weight: 300 700; font-style: italic; font-display: swap; }
@font-face { font-family: "Manrope"; src: url("../fonts/manrope-normal.woff2") format("woff2"); font-weight: 400 800; font-display: swap; unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+2000-206F, U+2074, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: "Manrope"; src: url("../fonts/manrope-ext.woff2") format("woff2"); font-weight: 400 800; font-display: swap; unicode-range: U+0100-024F, U+20A0-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF; }

:root {
  --ink: #0B1B33;
  --ink-2: #102746;
  --ink-3: #1B3A64;
  --ink-line: rgba(233, 214, 170, .14);
  --paper: #F6F2EA;
  --paper-2: #EEE6D6;
  --card: #FFFDF8;
  --line: #E3D9C6;
  --line-2: #D6C9B0;
  --text: #15202F;
  --text-2: #3C4759;
  --muted: #6A7384;
  --gold: #C8963E;
  --gold-2: #E2B866;
  --gold-soft: #F4E6C6;
  --gold-deep: #8C621B;
  --sage: #2E7A58;
  --sage-soft: #E2F0E7;
  --rust: #B04A31;
  --rust-soft: #F8E6DF;
  --on-ink: #F4EFE4;
  --on-ink-2: rgba(244, 239, 228, .72);
  --display: "Fraunces", "Iowan Old Style", Georgia, serif;
  --body: "Manrope", "Segoe UI", system-ui, -apple-system, sans-serif;
  --r-sm: 10px;
  --r: 18px;
  --r-lg: 28px;
  --shadow-sm: 0 1px 2px rgba(11, 27, 51, .06), 0 4px 12px -6px rgba(11, 27, 51, .12);
  --shadow: 0 2px 4px rgba(11, 27, 51, .04), 0 18px 40px -22px rgba(11, 27, 51, .35);
  --shadow-lg: 0 30px 80px -30px rgba(11, 27, 51, .45);
  --ease: cubic-bezier(.22, .8, .24, 1);
  --ease-out: cubic-bezier(.16, 1, .3, 1);
  --hdr-h: 76px;
  --wrap: 1240px;
  --gutter: clamp(16px, 4vw, 40px);
  color-scheme: light;
}

/* ---------- base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: calc(var(--hdr-h) + 16px); }
body { margin: 0; background: var(--paper); color: var(--text); font: 400 16.5px/1.65 var(--body); -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; overflow-x: clip; }
img, svg, video, canvas { display: block; max-width: 100%; }
img { height: auto; }
a { color: inherit; text-decoration-thickness: 1px; text-underline-offset: 3px; }
p a, .prose a, .fine a { color: var(--gold-deep); }
h1, h2, h3, h4 { font-family: var(--display); font-weight: 500; line-height: 1.12; letter-spacing: -.01em; margin: 0; text-wrap: balance; font-optical-sizing: auto; }
p { margin: 0 0 1em; text-wrap: pretty; }
em { font-style: italic; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; }
::selection { background: var(--gold-soft); color: var(--ink); }
:focus-visible { outline: 2.5px solid var(--gold); outline-offset: 3px; border-radius: 6px; }
[hidden] { display: none !important; }
.sr-only, .hp { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.wrap { width: 100%; max-width: calc(var(--wrap) + var(--gutter) * 2); margin-inline: auto; padding-inline: var(--gutter); }
.i { width: 1.15em; height: 1.15em; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; flex: none; }
.i.flip { transform: scaleX(-1); }
.skip { position: absolute; left: 12px; top: -60px; z-index: 200; background: var(--ink); color: #fff; padding: 10px 16px; border-radius: 10px; font-weight: 700; }
.skip:focus { top: 12px; }
.fine { font-size: 12.5px; color: var(--muted); line-height: 1.55; margin-top: 18px; }
.fine--light { color: var(--on-ink-2); }
.fine--center { text-align: center; max-width: 70ch; margin-inline: auto; }
.hide-sm { }
.num { font-variant-numeric: tabular-nums; }

/* ---------- eyebrow / headings ---------- */
.eyebrow { display: inline-flex; align-items: center; gap: 10px; font: 700 12px/1.2 var(--body); letter-spacing: .16em; text-transform: uppercase; color: var(--gold-deep); margin: 0 0 16px; }
.eyebrow .i { width: 15px; height: 15px; }
.eyebrow--gold { color: var(--gold-2); }
.eyebrow .num { display: inline-grid; place-items: center; min-width: 30px; height: 22px; padding: 0 7px; border: 1px solid currentColor; border-radius: 999px; font-size: 10.5px; letter-spacing: .08em; opacity: .9; }
.sec__title { font-size: clamp(30px, 4.2vw, 52px); color: var(--ink); }
.sec__title em { color: var(--gold-deep); font-weight: 400; }
.sec__title--light { color: var(--on-ink); }
.sec__title--light em { color: var(--gold-2); }
.sec__lead { font-size: clamp(16.5px, 1.4vw, 18.5px); color: var(--text-2); max-width: 60ch; margin-top: 18px; }
.sec__lead--light { color: var(--on-ink-2); }
.sec__head { margin-bottom: clamp(32px, 5vw, 56px); max-width: 780px; }
.sec__head--center { text-align: center; margin-inline: auto; }
.sec__head--center .sec__lead { margin-inline: auto; }
.sec__head--split { max-width: none; display: flex; justify-content: space-between; align-items: flex-end; gap: 24px; flex-wrap: wrap; }
.sec__head--split .sec__lead { margin: 0; }
.link-arrow { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: 14.5px; color: var(--ink-3); text-decoration: none; }
.link-arrow .i { transition: transform .3s var(--ease); }
.link-arrow:hover .i { transform: translateX(4px); }

/* ---------- buttons ---------- */
.btn { --bg: var(--ink); --fg: #fff; --bd: transparent; position: relative; display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 13px 22px; border-radius: 999px; border: 1px solid var(--bd); background: var(--bg); color: var(--fg); font: 700 15px/1.2 var(--body); letter-spacing: .005em; text-decoration: none; white-space: nowrap; transition: transform .25s var(--ease), background-color .25s, box-shadow .25s, color .25s, border-color .25s; isolation: isolate; overflow: hidden; }
.btn .i { transition: transform .3s var(--ease); }
.btn:hover .i:last-child { transform: translateX(3px); }
.btn:active { transform: translateY(1px) scale(.99); }
.btn--primary { --bg: var(--ink); }
.btn--primary:hover { --bg: var(--ink-3); box-shadow: 0 10px 24px -12px rgba(11, 27, 51, .6); }
.btn--gold { --bg: linear-gradient(135deg, #E7C27A, #C8963E 55%, #B7832F); --fg: #1E1506; background: var(--bg); box-shadow: inset 0 1px 0 rgba(255, 255, 255, .35), 0 10px 24px -14px rgba(160, 110, 30, .9); }
.btn--gold:hover { box-shadow: inset 0 1px 0 rgba(255, 255, 255, .45), 0 16px 30px -14px rgba(160, 110, 30, .9); }
.btn--gold::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(110deg, transparent 20%, rgba(255, 255, 255, .45) 45%, transparent 60%); transform: translateX(-120%); transition: transform .8s var(--ease); }
.btn--gold:hover::after { transform: translateX(120%); }
.btn--ghost { --bg: transparent; --fg: var(--ink); --bd: var(--line-2); }
.btn--ghost:hover { --bg: var(--card); --bd: var(--ink); }
.btn--line { --bg: transparent; --fg: var(--on-ink); --bd: rgba(244, 239, 228, .32); }
.btn--line:hover { --bg: rgba(244, 239, 228, .08); --bd: var(--gold-2); }
.btn--sm { padding: 9px 15px; font-size: 13.5px; gap: 7px; }
.btn--lg { padding: 16px 26px; font-size: 16px; }
.btn--block { width: 100%; }
.btn[disabled] { opacity: .45; pointer-events: none; }

/* ---------- top bar ---------- */
.topbar { background: var(--ink); color: var(--on-ink-2); font-size: 12.5px; }
.topbar__in { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 36px; }
.topbar p { margin: 0; display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }
.topbar .dot::before { content: ""; display: inline-block; width: 4px; height: 4px; border-radius: 50%; background: var(--gold); margin-right: 12px; vertical-align: middle; }
.topbar a, .topbar span { display: inline-flex; align-items: center; gap: 6px; text-decoration: none; }
.topbar a:hover { color: #fff; }
.topbar .i { width: 13px; height: 13px; color: var(--gold-2); }

/* ---------- header ---------- */
.hdr { position: sticky; top: 0; z-index: 60; background: rgba(246, 242, 234, .86); backdrop-filter: saturate(1.4) blur(14px); -webkit-backdrop-filter: saturate(1.4) blur(14px); border-bottom: 1px solid transparent; transition: transform .45s var(--ease), border-color .3s, background-color .3s; }
.hdr.is-scrolled { border-bottom-color: var(--line); background: rgba(250, 247, 241, .92); }
.hdr.is-hidden { transform: translateY(-100%); }
.hdr__in { display: flex; align-items: center; gap: 24px; min-height: var(--hdr-h); }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; flex: none; }
.brand__mark { width: 42px; height: 42px; transition: transform .6s var(--ease); }
.brand:hover .brand__mark { transform: rotate(-8deg) scale(1.04); }
.brand__text { display: flex; flex-direction: column; line-height: 1; }
.brand__name { font: 600 21px/1 var(--display); color: var(--ink); letter-spacing: -.01em; }
.brand__sub { font: 700 9.5px/1 var(--body); letter-spacing: .24em; text-transform: uppercase; color: var(--gold-deep); margin-top: 5px; }
.brand--light .brand__name { color: var(--on-ink); }
.brand--light .brand__sub { color: var(--gold-2); }

.nav { margin-left: auto; }
.nav__list { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 2px; }
.nav__link { display: inline-flex; align-items: center; gap: 5px; padding: 10px 13px; border-radius: 999px; font-weight: 650; font-size: 14.5px; color: var(--text-2); text-decoration: none; transition: color .2s, background-color .2s; }
.nav__link:hover, .nav__item:focus-within > .nav__link, .nav__link[aria-current] { color: var(--ink); background: rgba(11, 27, 51, .05); }
.nav__chev { width: 12px; height: 12px; transform: rotate(90deg); opacity: .5; transition: transform .3s var(--ease); }
.nav__item--m { display: none; }
.has-mega { position: static; }
.mega { position: absolute; left: 50%; top: calc(100% - 6px); width: min(1080px, calc(100vw - 32px)); transform: translate(-50%, 10px); display: grid; grid-template-columns: 280px 1fr; gap: 0; background: var(--card); border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-lg); opacity: 0; visibility: hidden; pointer-events: none; transition: opacity .25s, transform .35s var(--ease), visibility .25s; overflow: hidden; }
/* Without JS, plain :hover opens the panel; with JS a hover-intent class (.is-hover) keeps it open while the pointer crosses the gap. */
html:not(.js) .has-mega:hover > .mega, .has-mega.is-hover > .mega, .has-mega:focus-within > .mega, .has-mega.is-open > .mega { opacity: 1; visibility: visible; pointer-events: auto; transform: translate(-50%, 0); }
html:not(.js) .has-mega:hover .nav__chev, .has-mega.is-hover .nav__chev, .has-mega:focus-within .nav__chev { transform: rotate(-90deg); }
.has-mega > .nav__link { position: relative; }
.has-mega > .nav__link::after { content: ""; position: absolute; left: -12px; right: -12px; top: 100%; height: 30px; }
/* while a panel is open, the whole strip between the nav row and the panel belongs to it */
.has-mega.is-hover::after { content: ""; position: absolute; left: 0; right: 0; top: calc(100% - 22px); height: 18px; }
.mega::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 3px; background: linear-gradient(90deg, var(--gold), var(--gold-2), transparent); z-index: 1; }
.mega__intro { background: var(--ink); color: var(--on-ink-2); padding: 28px; display: flex; flex-direction: column; gap: 6px; background-image: radial-gradient(120% 80% at 0% 100%, rgba(200, 150, 62, .25), transparent 60%); }
.mega__intro .eyebrow { color: var(--gold-2); margin: 0; }
.mega__title { font: 500 26px/1.1 var(--display); color: var(--on-ink); margin: 6px 0 4px; }
.mega__intro p { font-size: 14px; margin: 0; }
.mega__intro .link-arrow { color: var(--gold-2); margin-top: auto; padding-top: 18px; }
.mega__grid { list-style: none; margin: 0; padding: 18px; display: grid; grid-template-columns: repeat(2, 1fr); gap: 2px; align-content: start; }
.mega__grid--3 { grid-template-columns: repeat(3, 1fr); }
.mega__grid a { display: flex; flex-direction: column; gap: 2px; padding: 12px 14px; border-radius: 12px; text-decoration: none; transition: background-color .2s; }
.mega__grid a:hover, .mega__grid a:focus-visible { background: var(--paper); }
.mega__grid strong { font-size: 14.5px; color: var(--ink); }
.mega__grid span { font-size: 12.5px; color: var(--muted); line-height: 1.45; }

.hdr__actions { display: flex; align-items: center; gap: 10px; }
.login-menu { position: relative; }
.login-pop { position: absolute; right: 0; top: calc(100% + 10px); width: 320px; background: var(--card); border: 1px solid var(--line); border-radius: var(--r); box-shadow: var(--shadow-lg); padding: 10px; animation: pop .25s var(--ease-out); }
@keyframes pop { from { opacity: 0; transform: translateY(-6px) scale(.98); } }
.login-links { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.login-links a { display: flex; align-items: center; gap: 14px; padding: 18px 20px; border-radius: var(--r); background: var(--card); border: 1px solid var(--line); text-decoration: none; transition: border-color .2s, transform .3s var(--ease), box-shadow .3s; }
.login-links a:hover { border-color: var(--gold); transform: translateY(-2px); box-shadow: var(--shadow); }
.login-links a > .i:first-child { width: 42px; height: 42px; padding: 10px; border-radius: 12px; background: var(--gold-soft); color: var(--gold-deep); }
.login-links span { display: flex; flex-direction: column; flex: 1; }
.login-links strong { font-size: 16px; color: var(--ink); }
.login-links small { font-size: 13px; color: var(--muted); }
.login-links__ext { color: var(--muted); }
.login-links--compact { gap: 2px; }
.login-links--compact a { padding: 11px 12px; border: 0; background: none; }
.login-links--compact a:hover { background: var(--paper); transform: none; box-shadow: none; }
.login-links--compact a > .i:first-child { width: 34px; height: 34px; padding: 8px; }
.login-links--compact strong { font-size: 14.5px; }
.login-links--compact small { font-size: 12px; }
.login-links__note { font-size: 11.5px; color: var(--muted); margin: 6px 12px 4px; }

.burger { display: none; width: 44px; height: 44px; border: 1px solid var(--line-2); border-radius: 50%; background: transparent; position: relative; }
.burger span { position: absolute; left: 13px; right: 13px; height: 1.8px; background: var(--ink); border-radius: 2px; transition: transform .35s var(--ease), opacity .2s, top .35s var(--ease); }
.burger span:nth-child(1) { top: 15px; }
.burger span:nth-child(2) { top: 21px; right: 18px; }
.burger span:nth-child(3) { top: 27px; }
.burger[aria-expanded="true"] span:nth-child(1) { top: 21px; transform: rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { top: 21px; transform: rotate(-45deg); }

/* ---------- sections ---------- */
.sec { padding-block: clamp(72px, 10vw, 128px); position: relative; }
.sec--tight { padding-block: clamp(36px, 5vw, 64px); }
.sec--paper { background: var(--paper-2); background-image: linear-gradient(180deg, rgba(255, 255, 255, .35), transparent 30%); }
.sec--ink { background: var(--ink); color: var(--on-ink-2); overflow: hidden; }
.sec--ink::before { content: ""; position: absolute; inset: 0; background: radial-gradient(60% 60% at 90% 0%, rgba(200, 150, 62, .16), transparent 70%), radial-gradient(50% 60% at 0% 100%, rgba(27, 58, 100, .8), transparent 70%); pointer-events: none; }
.sec--ink > .wrap { position: relative; }

/* ---------- reveal on scroll ---------- */
/* Reveals move with the individual translate/scale properties so `transform` stays free for hover effects;
   only the reveal parts of the transition carry the stagger delay. */
.js .reveal { opacity: 0; translate: 0 28px; transition: opacity .9s var(--ease-out) var(--d, 0s), translate 1s var(--ease-out) var(--d, 0s), scale 1.1s var(--ease-out) var(--d, 0s), filter .9s var(--ease-out) var(--d, 0s), transform .6s var(--ease-out), box-shadow .5s var(--ease-out), border-color .3s, background-color .3s; }
.js .reveal.is-in { opacity: 1; translate: none; scale: none; }
@property --prog { syntax: "<percentage>"; inherits: true; initial-value: 0%; }

/* ==========================================================================
   HERO
   ========================================================================== */
.hero { position: relative; min-height: min(100svh - 36px, 920px); background: var(--ink); color: var(--on-ink); overflow: hidden; isolation: isolate; display: flex; flex-direction: column; justify-content: center; margin-top: calc(-1px - var(--hdr-h)); padding-top: var(--hdr-h); }
.page-home .hdr:not(.is-scrolled) { background: transparent; backdrop-filter: none; -webkit-backdrop-filter: none; }
.page-home .hdr:not(.is-scrolled) .nav__link { color: var(--on-ink-2); }
.page-home .hdr:not(.is-scrolled) .nav__link:hover, .page-home .hdr:not(.is-scrolled) .nav__item:focus-within > .nav__link { color: #fff; background: rgba(255, 255, 255, .08); }
.page-home .hdr:not(.is-scrolled) .brand__name { color: var(--on-ink); }
.page-home .hdr:not(.is-scrolled) .brand__sub { color: var(--gold-2); }
.page-home .hdr:not(.is-scrolled) .btn--ghost { --fg: var(--on-ink); --bd: rgba(244, 239, 228, .3); }
.page-home .hdr:not(.is-scrolled) .burger { border-color: rgba(244, 239, 228, .3); }
.page-home .hdr:not(.is-scrolled) .burger span { background: var(--on-ink); }
.hero__canvas { position: absolute; inset: 0; width: 100%; height: 100%; z-index: -3; opacity: .9; }
.hero__glow { position: absolute; inset: -20% -10% auto auto; width: 70vw; height: 70vw; max-width: 1000px; max-height: 1000px; z-index: -4; background: radial-gradient(closest-side, rgba(226, 184, 102, .34), rgba(200, 150, 62, .12) 45%, transparent 72%); filter: blur(10px); animation: breathe 12s ease-in-out infinite alternate; }
.hero::before { content: ""; position: absolute; inset: 0; z-index: -5; background: radial-gradient(90% 70% at 20% 110%, #1B3A64 0%, transparent 60%), linear-gradient(180deg, #081528 0%, #0B1B33 45%, #0F2544 100%); }
@keyframes breathe { from { transform: translate(0, 0) scale(1); opacity: .85; } to { transform: translate(-6%, 6%) scale(1.12); opacity: 1; } }
.hero__grain { position: absolute; inset: 0; z-index: -1; pointer-events: none; opacity: .07; mix-blend-mode: overlay; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E"); }
.hero__hills { position: absolute; left: 0; right: 0; bottom: 0; width: 100%; height: clamp(90px, 16vw, 220px); z-index: -2; }
.hills-back { fill: rgba(27, 58, 100, .55); }
.hills-front { fill: rgba(8, 21, 40, .9); }
.hero__in { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); gap: clamp(32px, 5vw, 80px); align-items: center; padding-block: clamp(56px, 8vw, 110px) clamp(110px, 14vw, 190px); }
.hero__eyebrow { display: inline-flex; align-items: center; gap: 12px; padding: 7px 14px 7px 10px; border: 1px solid var(--ink-line); border-radius: 999px; background: rgba(255, 255, 255, .04); font-size: 12.5px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-2); margin: 0 0 26px; animation: rise 1s var(--ease-out) .1s both; }
.pulse { width: 8px; height: 8px; border-radius: 50%; background: var(--gold-2); box-shadow: 0 0 0 0 rgba(226, 184, 102, .6); animation: pulse 2.4s infinite; }
@keyframes pulse { 70% { box-shadow: 0 0 0 10px rgba(226, 184, 102, 0); } 100% { box-shadow: 0 0 0 0 rgba(226, 184, 102, 0); } }
.hero__title { font-size: clamp(42px, 6.6vw, 88px); line-height: 1.02; letter-spacing: -.012em; color: var(--on-ink); font-weight: 400; }
.hero__title .w { display: inline-block; overflow: hidden; vertical-align: top; padding-bottom: .08em; margin-bottom: -.08em; }
.hero__title .w > span, .hero__title .w > em { display: inline-block; transform: translateY(105%); animation: word 1.1s var(--ease-out) forwards; animation-delay: calc(.25s + var(--i, 0) * .07s); }
.hero__title em { color: var(--gold-2); font-weight: 350; padding-right: .06em; background: linear-gradient(100deg, #F3D9A0, #D9A94F 50%, #F3D9A0); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; background-size: 200% 100%; animation: word 1.1s var(--ease-out) forwards, shimmer 6s linear 1.8s infinite; animation-delay: calc(.25s + var(--i, 0) * .07s), 1.8s; }
@keyframes word { to { transform: none; } }
@keyframes shimmer { to { background-position: -200% 0; } }
@keyframes rise { from { opacity: 0; transform: translateY(18px); } }
.hero__lead { font-size: clamp(17px, 1.5vw, 20px); color: var(--on-ink-2); max-width: 52ch; margin: 28px 0 0; animation: rise 1s var(--ease-out) .75s both; }
.hero__cta { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 34px; animation: rise 1s var(--ease-out) .9s both; }
.hero__proof { list-style: none; margin: 44px 0 0; padding: 26px 0 0; border-top: 1px solid var(--ink-line); display: flex; gap: clamp(20px, 4vw, 48px); flex-wrap: wrap; animation: rise 1s var(--ease-out) 1.05s both; }
.hero__proof li { display: flex; flex-direction: column; }
.hero__proof strong { font: 400 30px/1 var(--display); color: var(--on-ink); }
.hero__proof span { font-size: 12.5px; color: var(--on-ink-2); margin-top: 6px; }

.hero__stage { position: relative; min-height: 540px; perspective: 1400px; animation: rise 1.2s var(--ease-out) .5s both; }
.hero__stage > * { transform-style: preserve-3d; }
.gcard { position: absolute; border-radius: 22px; border: 1px solid rgba(244, 239, 228, .14); background: linear-gradient(160deg, rgba(255, 255, 255, .11), rgba(255, 255, 255, .03)); backdrop-filter: blur(18px) saturate(1.3); -webkit-backdrop-filter: blur(18px) saturate(1.3); box-shadow: 0 40px 80px -30px rgba(0, 0, 0, .6), inset 0 1px 0 rgba(255, 255, 255, .12); color: var(--on-ink); transition: transform .8s var(--ease-out); }
.gcard--main { top: 0; right: 4%; width: min(410px, 92%); padding: 24px 24px 18px; transform: translate3d(var(--tx, 0), var(--ty, 0), 60px) rotateX(var(--rx, 0deg)) rotateY(var(--ry, 0deg)); animation: float 9s ease-in-out infinite; }
.gcard--mix { left: -28px; bottom: -6px; width: 240px; padding: 18px 20px; transform: translate3d(calc(var(--tx, 0) * -1.4), calc(var(--ty, 0) * -1.4), 90px); animation: float 11s ease-in-out -3s infinite; }
.gcard--chip { right: 0; bottom: 18px; display: inline-flex; align-items: center; gap: 10px; padding: 12px 16px; border-radius: 999px; font-size: 13px; color: var(--on-ink-2); text-decoration: none; transform: translate3d(calc(var(--tx, 0) * 1.6), calc(var(--ty, 0) * 1.6), 120px); animation: float 8s ease-in-out -5s infinite; }
.gcard--chip strong { color: var(--on-ink); }
.gcard--chip .i { width: 16px; height: 16px; color: var(--gold-2); }
.gcard--chip:hover { border-color: var(--gold-2); }
@keyframes float { 0%, 100% { translate: 0 0; } 50% { translate: 0 -12px; } }
.gcard__head { display: flex; justify-content: space-between; gap: 10px; align-items: center; flex-wrap: wrap; }
.gcard__tag { display: inline-flex; align-items: center; gap: 6px; font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-2); }
.gcard__tag .i { width: 15px; height: 15px; }
.gcard__muted { font-size: 12px; color: var(--on-ink-2); }
.gcard__label { font-size: 12.5px; color: var(--on-ink-2); margin: 18px 0 2px; }
.gcard__big { font: 400 clamp(36px, 3.6vw, 46px)/1 var(--display); color: var(--on-ink); letter-spacing: -.02em; margin: 0; font-variant-numeric: tabular-nums; }
.gcard__chart { width: 100%; height: 110px; margin: 16px 0 6px; overflow: visible; }
.gcard__line { fill: none; stroke: var(--gold-2); stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 1; stroke-dashoffset: 1; animation: draw 2.4s var(--ease-out) 1s forwards; vector-effect: non-scaling-stroke; }
.gcard__area { opacity: 0; animation: fade 1.6s ease 2s forwards; }
@keyframes draw { to { stroke-dashoffset: 0; } }
@keyframes fade { to { opacity: 1; } }
.gcard__rows { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 10px 0 0; padding-top: 14px; border-top: 1px solid rgba(244, 239, 228, .12); }
.gcard__rows dt { font-size: 11.5px; color: var(--on-ink-2); }
.gcard__rows dd { margin: 2px 0 0; font-weight: 700; font-variant-numeric: tabular-nums; }
.gcard__rows .up { color: #9FDDB9; }
.gcard__fine { font-size: 10.5px; color: rgba(244, 239, 228, .5); margin: 12px 0 0; }
.gcard--mix .gcard__label { margin: 0 0 12px; }
.gcard--mix { display: grid; grid-template-columns: 84px 1fr; column-gap: 14px; align-items: center; }
.gcard--mix .gcard__label { grid-column: 1 / -1; }
.donut svg { width: 84px; height: 84px; transform: rotate(-90deg); }
.donut__track { fill: none; stroke: rgba(244, 239, 228, .1); stroke-width: 6; }
.donut__seg { fill: none; stroke-width: 6; stroke-linecap: butt; transition: stroke-dasharray 1.2s var(--ease-out), stroke-dashoffset 1.2s var(--ease-out); }
.donut__seg--a { stroke: var(--gold-2); }
.donut__seg--b { stroke: #7FA6D9; }
.donut__seg--c { stroke: #F3E3BF; }
.gcard--mix .donut__seg { stroke-dashoffset: 100; animation: donut 1.6s var(--ease-out) 1.4s forwards; }
.gcard--mix .donut__seg--b { animation-name: donutB; }
.gcard--mix .donut__seg--c { animation-name: donutC; }
@keyframes donut { from { stroke-dasharray: 0 100; } to { stroke-dasharray: 50 50; stroke-dashoffset: 0; } }
@keyframes donutB { from { stroke-dasharray: 0 100; stroke-dashoffset: -50; } to { stroke-dasharray: 40 60; stroke-dashoffset: -50; } }
@keyframes donutC { from { stroke-dasharray: 0 100; stroke-dashoffset: -90; } to { stroke-dasharray: 10 90; stroke-dashoffset: -90; } }
.legend { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; font-size: 13px; }
.legend i { display: inline-block; width: 9px; height: 9px; border-radius: 3px; margin-right: 8px; }
.k-a { background: var(--gold-2); }
.k-b { background: #7FA6D9; }
.k-c { background: #F3E3BF; }
.live { display: inline-flex; align-items: center; gap: 6px; font-size: 11px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: #9FDDB9; }
.live i { width: 7px; height: 7px; border-radius: 50%; background: #5BD08F; animation: pulseG 2s infinite; }
@keyframes pulseG { 0% { box-shadow: 0 0 0 0 rgba(91, 208, 143, .6); } 70% { box-shadow: 0 0 0 8px rgba(91, 208, 143, 0); } 100% { box-shadow: 0 0 0 0 rgba(91, 208, 143, 0); } }
.hero__scroll { position: absolute; left: 50%; bottom: 26px; width: 26px; height: 42px; border: 1.5px solid rgba(244, 239, 228, .35); border-radius: 20px; transform: translateX(-50%); }
.hero__scroll span { position: absolute; left: 50%; top: 8px; width: 3px; height: 8px; border-radius: 2px; background: var(--gold-2); transform: translateX(-50%); animation: scrollcue 2s var(--ease) infinite; }
@keyframes scrollcue { 0% { opacity: 0; transform: translate(-50%, 0); } 30% { opacity: 1; } 100% { opacity: 0; transform: translate(-50%, 14px); } }

/* ---------- ticker ---------- */
.ticker { background: var(--gold); color: #1E1506; overflow: hidden; border-block: 1px solid rgba(0, 0, 0, .06); }
.ticker__track { display: flex; align-items: center; gap: 28px; width: max-content; padding: 16px 0; animation: marquee 48s linear infinite; font: 500 italic 22px/1 var(--display); white-space: nowrap; }
.ticker__track i { font-style: normal; font-size: 13px; opacity: .55; }
.ticker:hover .ticker__track { animation-play-state: paused; }
@keyframes marquee { to { transform: translateX(-50%); } }

/* ---------- stats ---------- */
.stats { background: var(--card); border-bottom: 1px solid var(--line); }
.stats__grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: clamp(28px, 4vw, 44px) clamp(16px, 2vw, 28px); border-left: 1px solid var(--line); }
.stat:first-child { border-left: 0; padding-left: 0; }
.stat__value { font: 400 clamp(36px, 4.4vw, 56px)/1 var(--display); color: var(--ink); letter-spacing: -.03em; margin: 0; font-variant-numeric: tabular-nums; }
.stat__label { font-weight: 700; font-size: 14.5px; color: var(--ink); margin: 12px 0 2px; }
.stat__note { font-size: 13px; color: var(--muted); margin: 0; }

/* ---------- bento (categories) ---------- */
.bento { display: grid; grid-template-columns: repeat(12, 1fr); gap: 18px; }
.bento__card { position: relative; grid-column: span 6; display: flex; flex-direction: column; padding: clamp(24px, 3vw, 36px); min-height: 400px; border-radius: var(--r-lg); background: var(--card); border: 1px solid var(--line); text-decoration: none; overflow: hidden; transition: transform .6s var(--ease-out), box-shadow .6s var(--ease-out), border-color .3s; isolation: isolate; }
.bento__card:nth-child(1) { grid-column: span 7; }
.bento__card:nth-child(2) { grid-column: span 5; }
.bento__card:nth-child(3) { grid-column: span 5; }
.bento__card:nth-child(4) { grid-column: span 7; }
.bento__card::before { content: ""; position: absolute; inset: 0; z-index: -1; background: radial-gradient(420px circle at var(--mx, 70%) var(--my, 0%), rgba(200, 150, 62, .14), transparent 60%); opacity: 0; transition: opacity .4s; }
.bento__card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--line-2); }
.bento__card:hover::before { opacity: 1; }
.bento__card--invest { background: var(--ink); border-color: var(--ink); }
.bento__card--invest .bento__title, .bento__card--invest .bento__num { color: var(--on-ink); }
.bento__card--invest .bento__text { color: var(--on-ink-2); }
.bento__card--invest .bento__chips li { background: rgba(255, 255, 255, .07); color: var(--on-ink-2); border-color: var(--ink-line); }
.bento__card--invest .bento__go { background: var(--gold); color: var(--ink); }
.bento__top { display: flex; justify-content: space-between; align-items: center; }
.bento__num { font: 400 15px/1 var(--display); color: var(--muted); }
.bento__label { font-size: 11.5px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-deep); }
.bento__card--invest .bento__label { color: var(--gold-2); }
.bento__art { flex: 1; display: grid; place-items: center end; margin: 10px -8px 10px 0; min-height: 150px; }
.bento__art .art { width: min(300px, 80%); transition: transform .9s var(--ease-out); }
.bento__card:hover .art { transform: translateY(-6px) scale(1.03); }
.bento__title { font-size: clamp(28px, 3vw, 38px); color: var(--ink); }
.bento__text { color: var(--text-2); margin: 8px 0 18px; max-width: 42ch; }
.bento__chips { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 6px; padding-right: 60px; }
.bento__chips li { font-size: 12.5px; font-weight: 600; padding: 5px 11px; border-radius: 999px; background: var(--paper); border: 1px solid var(--line); color: var(--text-2); }
.bento__go { position: absolute; right: clamp(20px, 3vw, 32px); bottom: clamp(20px, 3vw, 32px); width: 48px; height: 48px; border-radius: 50%; display: grid; place-items: center; background: var(--ink); color: var(--on-ink); transition: transform .5s var(--ease-out); }
.bento__card:hover .bento__go { transform: rotate(45deg); }

/* art (line illustrations) */
.art { overflow: visible; }
.art__grid path { fill: none; stroke: var(--line-2); stroke-width: 1; stroke-dasharray: 3 5; }
.art__bars rect, .art__bars circle, .art__bars path { fill: var(--gold-soft); stroke: var(--gold-deep); stroke-width: 1.4; }
.art__bars .art__hi { fill: var(--gold); }
.art__line, .art__path { fill: none; stroke: var(--ink); stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.art__path { stroke-dasharray: 6 6; }
.art__dot { fill: var(--gold); stroke: var(--card); stroke-width: 3; }
.art__coin circle, .art__coin path, .art__gem path { fill: none; stroke: var(--gold-deep); stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.art__coin circle:first-child { fill: var(--gold-soft); }
.art__gem path:first-child { fill: var(--gold-soft); }
.art__roof { fill: var(--gold-soft); stroke: var(--ink); stroke-width: 1.8; stroke-linejoin: round; }
.art__flags path { fill: var(--gold-soft); stroke: var(--ink); stroke-width: 1.6; stroke-linejoin: round; }
.art__dots circle { fill: var(--ink); }
.art__drops path { stroke: #7FA6D9; stroke-width: 1.8; stroke-linecap: round; }
.bento__card--invest .art__grid path { stroke: rgba(244, 239, 228, .15); }
.bento__card--invest .art__line { stroke: var(--gold-2); }
.bento__card--invest .art__bars rect { fill: rgba(226, 184, 102, .14); stroke: var(--gold-2); }
.bento__card--invest .art__bars .art__hi { fill: var(--gold); }
.bento__card--invest .art__dot { stroke: var(--ink); }
.bento__card--invest .art__coin circle:first-child { fill: rgba(226, 184, 102, .15); }
.bento__card--invest .art__coin circle, .bento__card--invest .art__coin path { stroke: var(--gold-2); }
.art__line { stroke-dasharray: 400; stroke-dashoffset: 400; transition: stroke-dashoffset 2s var(--ease-out) .3s; }
.is-in .art__line, .phero__art .art__line { stroke-dashoffset: 0; }

/* ---------- cost of waiting ---------- */
.wait { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(36px, 6vw, 96px); align-items: center; }
.wait__control { margin-top: 34px; padding: 24px; border-radius: var(--r); background: rgba(255, 255, 255, .04); border: 1px solid var(--ink-line); }
.wait__control label { display: flex; justify-content: space-between; align-items: baseline; font-weight: 600; color: var(--on-ink); gap: 12px; }
.wait__control output { font: 400 26px/1 var(--display); color: var(--gold-2); }
.wait__scale { display: flex; justify-content: space-between; font-size: 11.5px; color: var(--on-ink-2); margin-top: 8px; }
.wait__viz { display: grid; gap: 22px; padding: clamp(24px, 3vw, 40px); border-radius: var(--r-lg); background: linear-gradient(160deg, rgba(255, 255, 255, .07), rgba(255, 255, 255, .02)); border: 1px solid var(--ink-line); }
.wait__bar-label { margin: 0 0 8px; font-size: 13.5px; font-weight: 600; color: var(--on-ink-2); }
.wait__track { height: 16px; border-radius: 999px; background: rgba(255, 255, 255, .06); overflow: hidden; }
.wait__track span { display: block; height: 100%; width: var(--w, 0%); border-radius: inherit; background: linear-gradient(90deg, #B7832F, #E7C27A); transition: width .9s var(--ease-out); }
.wait__bar--late .wait__track span { background: linear-gradient(90deg, #4E6E9A, #7FA6D9); }
.wait__bar-value { margin: 8px 0 0; font: 400 28px/1 var(--display); color: var(--on-ink); font-variant-numeric: tabular-nums; }
.wait__loss { margin-top: 6px; padding-top: 22px; border-top: 1px dashed var(--ink-line); }
.wait__loss-label { margin: 0; font-size: 12px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: #F2A38F; }
.wait__loss-value { margin: 6px 0 4px; font: 400 clamp(40px, 5vw, 60px)/1 var(--display); color: #F6C1B2; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.wait__loss-note { margin: 0; color: var(--on-ink-2); font-size: 14.5px; }

/* range inputs (shared) */
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 28px; background: transparent; margin: 14px 0 0; --p: 50%; cursor: pointer; }
input[type="range"]::-webkit-slider-runnable-track { height: 6px; border-radius: 999px; background: linear-gradient(90deg, var(--gold) var(--p), rgba(128, 128, 128, .25) var(--p)); }
input[type="range"]::-moz-range-track { height: 6px; border-radius: 999px; background: rgba(128, 128, 128, .25); }
input[type="range"]::-moz-range-progress { height: 6px; border-radius: 999px; background: var(--gold); }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; margin-top: -9px; border-radius: 50%; background: #fff; border: 2px solid var(--gold); box-shadow: 0 4px 12px -2px rgba(0, 0, 0, .35); transition: transform .2s; }
input[type="range"]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: #fff; border: 2px solid var(--gold); box-shadow: 0 4px 12px -2px rgba(0, 0, 0, .35); }
input[type="range"]:active::-webkit-slider-thumb { transform: scale(1.18); }
input[type="range"]:focus-visible { outline: none; }
input[type="range"]:focus-visible::-webkit-slider-thumb { box-shadow: 0 0 0 5px rgba(200, 150, 62, .35); }

/* ---------- compounding story ---------- */
.story__in { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(32px, 6vw, 96px); align-items: start; }
.story__sticky { position: sticky; top: calc(var(--hdr-h) + 40px); order: 2; }
.story__steps { order: 1; }
.story__chart { background: var(--card); border: 1px solid var(--line); border-radius: var(--r-lg); padding: clamp(18px, 2.5vw, 30px); box-shadow: var(--shadow); }
.story__caption { font: 500 18px/1.3 var(--display); color: var(--ink); margin: 0 0 12px; }
.story__caption span { font: 500 13px var(--body); color: var(--muted); }
.story__chart svg { width: 100%; height: auto; overflow: visible; }
.story__grid path { stroke: var(--line); stroke-width: 1; fill: none; }
.story__axis text { font: 600 10.5px var(--body); fill: var(--muted); text-anchor: end; }
.story__axis text:nth-last-child(-n+2) { text-anchor: start; }
.story__axis text:last-child { text-anchor: end; }
.story__line { fill: none; stroke-width: 3; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 1; stroke-dashoffset: 1; transition: stroke-dashoffset 1.8s var(--ease-out), opacity .4s; opacity: .15; }
.story__line--cash { stroke: var(--rust); }
.story__line--fd { stroke: #5C7FB0; }
.story__line--eq { stroke: var(--gold); stroke-width: 3.6; }
[data-story-step="1"] .story__line--cash, [data-story-step="2"] .story__line--cash, [data-story-step="3"] .story__line--cash,
[data-story-step="2"] .story__line--fd, [data-story-step="3"] .story__line--fd,
[data-story-step="3"] .story__line--eq { stroke-dashoffset: 0; opacity: 1; }
.story__legend { list-style: none; margin: 16px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px 18px; font-size: 13px; color: var(--text-2); }
.story__legend li::before { content: ""; display: inline-block; width: 16px; height: 3px; border-radius: 2px; margin-right: 8px; vertical-align: middle; }
.story__legend .k-cash::before { background: var(--rust); }
.story__legend .k-fd::before { background: #5C7FB0; }
.story__legend .k-eq::before { background: var(--gold); }
.story__step { position: relative; padding: 30px 0 30px 64px; min-height: 42vh; display: flex; flex-direction: column; justify-content: center; opacity: .35; transition: opacity .6s var(--ease); }
.story__step.is-active { opacity: 1; }
.story__step h3 { font-size: clamp(24px, 2.6vw, 32px); color: var(--ink); margin-bottom: 12px; }
.story__step p { color: var(--text-2); font-size: 17px; }
.story__step strong { color: var(--ink); font-variant-numeric: tabular-nums; }
.story__n { position: absolute; left: 0; top: 50%; translate: 0 -50%; width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; font: 500 18px var(--display); border: 1px solid var(--line-2); color: var(--muted); transition: background-color .4s, color .4s, border-color .4s; }
.story__step.is-active .story__n { background: var(--ink); color: var(--gold-2); border-color: var(--ink); }

/* ---------- ladder ---------- */
.ladder { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(6, 1fr); gap: 12px; align-items: end; counter-reset: l; }
.ladder__step { --h: calc(var(--lvl) * 56px + 140px); }
.ladder__step[data-level="1"] { --lvl: 0; } .ladder__step[data-level="2"] { --lvl: 1; } .ladder__step[data-level="3"] { --lvl: 2; }
.ladder__step[data-level="4"] { --lvl: 3; } .ladder__step[data-level="5"] { --lvl: 4; } .ladder__step[data-level="6"] { --lvl: 5; }
.ladder__card { position: relative; min-height: var(--h); padding: 18px 16px; border-radius: 18px 18px 6px 6px; background: var(--card); border: 1px solid var(--line); display: flex; flex-direction: column; gap: 6px; overflow: hidden; transition: transform .5s var(--ease-out), box-shadow .5s; }
.ladder__card::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 6px; background: linear-gradient(90deg, #9FC7AE, var(--gold), var(--rust)); background-size: 600% 100%; background-position: calc((var(--lvl) / 5) * 100%) 0; }
.ladder__step:hover .ladder__card { transform: translateY(-6px); box-shadow: var(--shadow); }
.ladder__ico { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; background: var(--gold-soft); color: var(--gold-deep); margin-bottom: auto; }
.ladder__ico .i { width: 21px; height: 21px; }
.ladder__name { font: 500 18px/1.2 var(--display); color: var(--ink); margin: 14px 0 0; }
.ladder__horizon { display: inline-flex; align-items: center; gap: 6px; font-size: 12.5px; font-weight: 700; color: var(--gold-deep); margin: 0; }
.ladder__horizon .i { width: 13px; height: 13px; }
.ladder__use { font-size: 13px; color: var(--muted); margin: 0; line-height: 1.45; }
.ladder__risk { display: flex; align-items: center; gap: 4px; margin: 10px 0 6px; }
.ladder__risk i { width: 14px; height: 5px; border-radius: 3px; background: var(--line); }
.ladder__risk i.on { background: var(--ink-3); }
.ladder__risk span { font-size: 10.5px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); margin-left: 6px; }

/* ---------- financial first-aid path ---------- */
.path { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; position: relative; transition: --prog 1.8s var(--ease-out) .2s; }
.path--static { grid-template-columns: repeat(4, 1fr); }
.path::before { content: ""; position: absolute; left: 32px; right: 32px; top: 32px; height: 2px; background: linear-gradient(90deg, var(--gold) var(--prog, 0%), var(--line) var(--prog, 0%)); }
.path__step a, .path__step > div { display: flex; flex-direction: column; gap: 8px; text-decoration: none; position: relative; height: 100%; }
.path__dot { position: relative; width: 64px; height: 64px; border-radius: 50%; display: grid; place-items: center; background: var(--card); border: 1px solid var(--line-2); color: var(--ink); margin-bottom: 12px; transition: background-color .3s, color .3s, transform .4s var(--ease-out); }
.path__dot .i { width: 26px; height: 26px; }
.path__dot b { position: absolute; top: -4px; right: -4px; width: 24px; height: 24px; border-radius: 50%; background: var(--gold); color: var(--ink); font-size: 12px; display: grid; place-items: center; }
.path__step a:hover .path__dot { background: var(--ink); color: var(--gold-2); transform: scale(1.06); }
.path__step strong { font: 500 21px/1.2 var(--display); color: var(--ink); }
.path__step span:last-child { font-size: 14.5px; color: var(--text-2); }

/* ---------- myths ---------- */
.myths { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.myth { position: relative; height: 250px; padding: 0; border: 0; background: none; text-align: left; perspective: 1200px; }
.myth__inner { position: absolute; inset: 0; transition: transform .8s var(--ease-out); transform-style: preserve-3d; }
.myth[aria-pressed="true"] .myth__inner { transform: rotateY(180deg); }
.myth__face { position: absolute; inset: 0; padding: 26px; border-radius: var(--r-lg); display: flex; flex-direction: column; backface-visibility: hidden; -webkit-backface-visibility: hidden; }
.myth__face--front { background: var(--card); border: 1px solid var(--line); }
.myth__face--back { background: var(--ink); color: var(--on-ink); transform: rotateY(180deg); background-image: radial-gradient(90% 90% at 100% 0%, rgba(200, 150, 62, .25), transparent 60%); }
.myth:hover .myth__face--front { border-color: var(--gold); }
.myth__tag { align-self: flex-start; font-size: 11px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; padding: 5px 10px; border-radius: 999px; background: var(--rust-soft); color: var(--rust); }
.myth__tag--fact { background: rgba(159, 221, 185, .15); color: #9FDDB9; }
.myth__text { font: 500 21px/1.3 var(--display); color: var(--ink); margin-top: 18px; }
.myth__face--back .myth__text { font: 500 16px/1.6 var(--body); color: var(--on-ink-2); }
.myth__hint { margin-top: auto; display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 700; color: var(--gold-deep); }
.myth__hint .i { width: 15px; height: 15px; transition: transform .6s var(--ease-out); }
.myth:hover .myth__hint .i { transform: rotate(180deg); }

/* ---------- money flow diagram ---------- */
.flow { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 6vw, 96px); align-items: center; }
.flow__diagram svg { width: 100%; max-width: 520px; margin-inline: auto; overflow: visible; }
.flow__node rect { fill: var(--card); stroke: var(--line-2); stroke-width: 1.2; }
.flow__node text { font: 600 17px var(--display); fill: var(--ink); text-anchor: middle; }
.flow__node text.sub { font: 600 11px var(--body); fill: var(--muted); }
.flow__node--amc rect { fill: var(--ink); stroke: var(--ink); }
.flow__node--amc text { fill: var(--on-ink); }
.flow__node--amc text.sub { fill: var(--on-ink-2); }
.flow__node--us rect { fill: var(--gold-soft); stroke: var(--gold); stroke-dasharray: 4 4; }
.flow__wire { fill: none; stroke-width: 2.4; stroke-linecap: round; stroke-dasharray: 7 9; animation: flow 1.6s linear infinite; }
.flow__wire--money { stroke: var(--gold); }
.flow__wire--units { stroke: var(--sage); }
.flow__wire--guide { stroke: var(--line-2); stroke-dasharray: 2 6; animation: none; }
@keyframes flow { to { stroke-dashoffset: -32; } }
.flow__lbl { font: 700 11px var(--body); fill: var(--gold-deep); letter-spacing: .06em; text-transform: uppercase; }
.flow__lbl:last-of-type { fill: var(--sage); }
.ticks { list-style: none; margin: 22px 0 0; padding: 0; display: grid; gap: 12px; }
.ticks li { position: relative; padding-left: 32px; color: var(--text-2); }
.ticks li::before { content: ""; position: absolute; left: 0; top: 3px; width: 20px; height: 20px; border-radius: 50%; background: var(--sage-soft); }
.ticks li::after { content: ""; position: absolute; left: 7px; top: 7px; width: 5px; height: 9px; border: solid var(--sage); border-width: 0 2px 2px 0; transform: rotate(42deg); }

/* ---------- tools ---------- */
.tools { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.tools--two { grid-template-columns: 1fr 1fr; }
.tool { display: flex; flex-direction: column; gap: 6px; padding: 22px; border-radius: var(--r); border: 1px solid var(--ink-line); background: rgba(255, 255, 255, .035); color: var(--on-ink-2); text-decoration: none; transition: background-color .3s, border-color .3s, transform .5s var(--ease-out); }
.tool:hover { background: rgba(255, 255, 255, .07); border-color: rgba(226, 184, 102, .5); transform: translateY(-4px); }
.tool__ico { width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center; background: rgba(226, 184, 102, .14); color: var(--gold-2); margin-bottom: 10px; }
.tool__ico .i { width: 21px; height: 21px; }
.tool__title { font: 500 19px/1.25 var(--display); color: var(--on-ink); }
.tool__text { font-size: 13.5px; line-height: 1.5; }
.tool--feature { grid-column: span 2; padding: 30px; background: linear-gradient(150deg, rgba(226, 184, 102, .18), rgba(255, 255, 255, .03)); }
.tool--feature .tool__title { font-size: clamp(22px, 2.2vw, 28px); }
.tool--alt { background: linear-gradient(150deg, rgba(127, 166, 217, .16), rgba(255, 255, 255, .03)); }
.tool__kicker { font-size: 11.5px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-2); }
.tool__go { margin-top: auto; padding-top: 18px; display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: 14px; color: var(--on-ink); }
.sec--paper .tool { background: var(--card); border-color: var(--line); color: var(--text-2); }
.sec--paper .tool__title { color: var(--ink); }
.sec--paper .tool__go { color: var(--ink); }
.sec--paper .tool__kicker { color: var(--gold-deep); }
.sec--paper .tool__ico { background: var(--gold-soft); color: var(--gold-deep); }
.sec--paper .tool--feature { background: linear-gradient(150deg, var(--gold-soft), var(--card)); }
.sec--paper .tool--alt { background: linear-gradient(150deg, #E4ECF7, var(--card)); }

/* ---------- founder ---------- */
.founder { display: grid; grid-template-columns: 420px 1fr; gap: clamp(36px, 6vw, 96px); align-items: center; }
.founder__media { position: relative; }
.founder__media img, .founder__mono { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; border-radius: var(--r-lg); }
.founder__mono { display: grid; place-items: center; background: radial-gradient(80% 60% at 50% 30%, rgba(226, 184, 102, .35), transparent 70%), linear-gradient(160deg, var(--ink-3), var(--ink)); position: relative; overflow: hidden; }
.founder__mono::after { content: ""; position: absolute; inset: 18px; border: 1px solid rgba(226, 184, 102, .35); border-radius: 18px; }
.founder__mono span { font: 300 italic 150px/1 var(--display); color: var(--gold-2); letter-spacing: -.04em; }
.founder__badge { position: absolute; right: -22px; bottom: 32px; padding: 18px 22px; border-radius: 18px; background: var(--card); box-shadow: var(--shadow-lg); display: flex; flex-direction: column; animation: float 7s ease-in-out infinite; }
.founder__badge strong { font: 400 40px/1 var(--display); color: var(--ink); }
.founder__badge span { font-size: 12.5px; color: var(--muted); max-width: 14ch; margin-top: 4px; }
.founder__p { font-size: 17.5px; color: var(--text-2); max-width: 62ch; }
.founder__copy .sec__title { margin-bottom: 22px; }
.tags { list-style: none; margin: 22px 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.tags li { padding: 7px 14px; border-radius: 999px; border: 1px solid var(--line-2); font-size: 13.5px; font-weight: 600; color: var(--text-2); background: var(--card); }
.tags li strong { color: var(--gold-deep); }
.founder__cta { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 30px; }

/* ---------- quotes / posts / faq ---------- */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.quote { margin: 0; padding: 30px; border-radius: var(--r-lg); background: var(--card); border: 1px solid var(--line); display: flex; flex-direction: column; }
.quote blockquote { margin: 0 0 22px; font: 400 19px/1.5 var(--display); color: var(--ink); }
.quote figcaption { margin-top: auto; display: flex; flex-direction: column; font-size: 14px; }
.quote figcaption span { color: var(--muted); font-size: 13px; }
.posts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.post-card { display: flex; flex-direction: column; border-radius: var(--r-lg); background: var(--card); border: 1px solid var(--line); overflow: hidden; text-decoration: none; transition: transform .5s var(--ease-out), box-shadow .5s; }
.post-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.post-card__media { position: relative; aspect-ratio: 16 / 9; overflow: hidden; }
.post-card__media img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease-out); }
.post-card:hover img { transform: scale(1.05); }
.post-card__art { position: absolute; inset: 0; display: grid; place-items: center; background: linear-gradient(135deg, var(--ink-3), var(--ink)); }
.post-card__art::before { content: ""; position: absolute; inset: 0; background: repeating-linear-gradient(-45deg, rgba(226, 184, 102, .06) 0 2px, transparent 2px 14px); }
.post-card__art span { position: relative; font: 300 italic 96px/1 var(--display); color: var(--gold-2); transition: transform 1s var(--ease-out); }
.post-card:hover .post-card__art span { transform: scale(1.1) rotate(-4deg); }
.post-card__art--insurance { background: linear-gradient(135deg, #1F4A3D, #0E2A22); }
.post-card__art--planning { background: linear-gradient(135deg, #4A2F14, #26170A); }
.post-card__art--tax { background: linear-gradient(135deg, #3B2A55, #1C1430); }
.post-card__cat { position: absolute; left: 14px; top: 14px; padding: 5px 11px; border-radius: 999px; background: rgba(255, 253, 248, .92); font-size: 11.5px; font-weight: 800; letter-spacing: .06em; color: var(--ink); }
.post-card__body { padding: 22px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.post-card__meta { font-size: 12.5px; color: var(--muted); margin: 0 0 8px; }
.post-card__title { font-size: 21px; line-height: 1.28; color: var(--ink); letter-spacing: 0; }
.post-card__excerpt { font-size: 14.5px; color: var(--text-2); margin: 10px 0 18px; }
.post-card .link-arrow { margin-top: auto; }
.faq-wrap { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(32px, 6vw, 96px); align-items: start; }
.faq-wrap .sec__head { position: sticky; top: calc(var(--hdr-h) + 30px); }
.faqs { display: grid; gap: 10px; }
.faq { border-radius: var(--r); background: var(--card); border: 1px solid var(--line); transition: border-color .3s, box-shadow .3s; }
.faq[open] { border-color: var(--line-2); box-shadow: var(--shadow-sm); }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 18px; padding: 20px 22px; font-weight: 700; font-size: 16.5px; color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq__pm { position: relative; flex: none; width: 28px; height: 28px; border-radius: 50%; border: 1px solid var(--line-2); transition: background-color .3s, transform .4s var(--ease-out); }
.faq__pm::before, .faq__pm::after { content: ""; position: absolute; left: 50%; top: 50%; width: 11px; height: 1.6px; background: var(--ink); translate: -50% -50%; transition: transform .4s var(--ease-out); }
.faq__pm::after { transform: rotate(90deg); }
.faq[open] .faq__pm { background: var(--ink); transform: rotate(180deg); }
.faq[open] .faq__pm::before, .faq[open] .faq__pm::after { background: var(--gold-2); }
.faq[open] .faq__pm::after { transform: rotate(0); }
.faq__a { padding: 0 22px 20px; color: var(--text-2); }
.faq__a p { margin: 0; }
.faq[open] .faq__a { animation: rise .5s var(--ease-out); }

/* ---------- local band ---------- */
.local-band__in { display: grid; grid-template-columns: 1.1fr .9fr; gap: clamp(28px, 5vw, 80px); align-items: center; }
.local-band .btn { margin-top: 26px; }
.areas { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.areas li { padding: 9px 16px; border-radius: 999px; background: var(--card); border: 1px solid var(--line); font-weight: 600; font-size: 14px; color: var(--ink); }
.areas li:nth-child(3n+1) { background: var(--ink); color: var(--on-ink); border-color: var(--ink); }
.areas--light li:nth-child(3n+1) { background: var(--card); color: var(--ink); border-color: var(--line); }

/* ==========================================================================
   FOOTER
   ========================================================================== */
.ftr { background: var(--ink); color: var(--on-ink-2); font-size: 14.5px; position: relative; overflow: hidden; }
.ftr__cta { border-bottom: 1px solid var(--ink-line); background: radial-gradient(60% 120% at 100% 0%, rgba(200, 150, 62, .22), transparent 60%); }
.ftr__cta-in { display: flex; justify-content: space-between; align-items: center; gap: 28px; flex-wrap: wrap; padding-block: clamp(56px, 8vw, 96px); }
.ftr__cta-title { font-size: clamp(32px, 4.6vw, 60px); color: var(--on-ink); max-width: 18ch; font-weight: 400; }
.ftr__cta-title em { color: var(--gold-2); }
.ftr__cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.ftr__grid { display: grid; grid-template-columns: 1.6fr repeat(5, 1fr); gap: 32px; padding-block: 64px 40px; }
.ftr__brand p { margin: 18px 0; max-width: 36ch; }
.ftr__contact { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.ftr__contact li { display: flex; gap: 10px; align-items: flex-start; }
.ftr__contact .i { color: var(--gold-2); margin-top: 3px; }
.ftr a { text-decoration: none; }
.ftr a:hover { color: #fff; }
.ftr__h { font: 800 11.5px/1 var(--body); letter-spacing: .18em; text-transform: uppercase; color: var(--gold-2); margin: 6px 0 18px; }
.ftr__col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 9px; }
.ftr__regs { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; padding-block: 24px; border-top: 1px solid var(--ink-line); }
.regs { display: flex; flex-wrap: wrap; gap: 10px; }
.reg { display: inline-flex; align-items: center; gap: 10px; padding: 9px 14px; border: 1px solid var(--ink-line); border-radius: 12px; font-size: 12.5px; }
.reg span { color: var(--on-ink-2); }
.reg strong { color: var(--on-ink); font-weight: 700; }
.reg .i { width: 13px; height: 13px; color: var(--gold-2); }
.ftr__social { display: flex; gap: 18px; flex-wrap: wrap; font-weight: 600; }
.ftr__legal { padding-block: 26px 44px; border-top: 1px solid var(--ink-line); font-size: 12.5px; line-height: 1.7; }
.ftr__legal a { color: var(--on-ink); text-decoration: underline; text-decoration-color: rgba(244, 239, 228, .3); }
.ftr__risk strong { color: var(--gold-2); font-size: 13.5px; }
.ftr__legal-links { display: flex; flex-wrap: wrap; gap: 6px 20px; margin: 16px 0; }
.ftr__legal-links a { text-decoration: none; }
.ftr__copy { color: rgba(244, 239, 228, .5); margin: 0; }

/* mobile dock + WhatsApp */
.dock { position: fixed; left: 12px; right: 12px; bottom: calc(10px + env(safe-area-inset-bottom, 0px)); z-index: 70; display: none; grid-auto-flow: column; grid-auto-columns: 1fr; gap: 4px; padding: 6px; border-radius: 20px; background: rgba(11, 27, 51, .92); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); box-shadow: 0 20px 40px -12px rgba(0, 0, 0, .5); transition: transform .45s var(--ease); }
.dock.is-hidden { transform: translateY(140%); }
.dock a { display: flex; flex-direction: column; align-items: center; gap: 3px; padding: 8px 4px; border-radius: 14px; color: var(--on-ink-2); text-decoration: none; font-size: 11px; font-weight: 700; }
.dock a .i { width: 20px; height: 20px; color: var(--on-ink); }
.dock__cta { background: var(--gold); color: #1E1506 !important; }
.dock__cta .i { color: #1E1506 !important; }
.wa-fab { position: fixed; right: 22px; bottom: 22px; z-index: 65; width: 58px; height: 58px; border-radius: 50%; display: grid; place-items: center; background: #1FAF55; color: #fff; box-shadow: 0 14px 30px -10px rgba(31, 175, 85, .7); transition: transform .4s var(--ease-out); }
.wa-fab svg { width: 30px; height: 30px; }
.wa-fab:hover { transform: scale(1.08) rotate(-6deg); }
.wa-fab::before { content: ""; position: absolute; inset: 0; border-radius: 50%; border: 2px solid #1FAF55; animation: ring 2.6s var(--ease) infinite; }
@keyframes ring { from { transform: scale(1); opacity: .7; } to { transform: scale(1.6); opacity: 0; } }

/* ==========================================================================
   INNER PAGES
   ========================================================================== */
.phero { position: relative; background: var(--ink); color: var(--on-ink-2); overflow: hidden; isolation: isolate; }
.phero__bg { position: absolute; inset: 0; z-index: -1; }
.phero__orb { position: absolute; right: -10%; top: -40%; width: 70%; aspect-ratio: 1; border-radius: 50%; background: radial-gradient(closest-side, rgba(226, 184, 102, .28), transparent 70%); animation: breathe 14s ease-in-out infinite alternate; }
.phero__grid { position: absolute; inset: 0; background-image: linear-gradient(rgba(244, 239, 228, .05) 1px, transparent 1px), linear-gradient(90deg, rgba(244, 239, 228, .05) 1px, transparent 1px); background-size: 64px 64px; -webkit-mask-image: radial-gradient(80% 90% at 70% 20%, #000, transparent 75%); mask-image: radial-gradient(80% 90% at 70% 20%, #000, transparent 75%); }
.phero__in { padding-block: clamp(48px, 7vw, 96px) clamp(48px, 6vw, 84px); position: relative; }
.phero__in--split { display: grid; grid-template-columns: 1.25fr .75fr; gap: clamp(28px, 5vw, 72px); align-items: center; }
.phero__in--narrow { max-width: 900px; }
.phero__title { font-size: clamp(36px, 5.4vw, 68px); color: var(--on-ink); font-weight: 400; letter-spacing: -.025em; max-width: 20ch; }
.phero__lead { font-size: clamp(16.5px, 1.4vw, 19px); max-width: 62ch; margin: 22px 0 0; }
.phero__actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }
.phero__art .art { width: 100%; max-width: 360px; margin-left: auto; }
.phero__art .art__grid path { stroke: rgba(244, 239, 228, .15); }
.phero__art .art__line, .phero__art .art__path { stroke: var(--gold-2); }
.phero__art .art__bars rect, .phero__art .art__bars circle, .phero__art .art__bars path, .phero__art .art__roof, .phero__art .art__flags path { fill: rgba(226, 184, 102, .12); stroke: var(--gold-2); }
.phero__art .art__bars .art__hi { fill: var(--gold); }
.phero__art .art__dot { stroke: var(--ink); }
.phero__art .art__dots circle { fill: var(--gold-2); }
.phero__art .art__coin circle, .phero__art .art__coin path, .phero__art .art__gem path { stroke: var(--gold-2); }
.phero__art .art__coin circle:first-child, .phero__art .art__gem path:first-child { fill: rgba(226, 184, 102, .15); }
.split > .sw { display: inline-block; opacity: 0; transform: translateY(.4em); filter: blur(6px); animation: splitin .9s var(--ease-out) forwards; animation-delay: calc(var(--i) * 45ms + 100ms); }
@keyframes splitin { to { opacity: 1; transform: none; filter: none; } }
.crumbs ol { list-style: none; margin: 0 0 26px; padding: 0; display: flex; flex-wrap: wrap; gap: 6px; font-size: 13px; }
.crumbs li + li::before { content: "/"; margin-right: 6px; opacity: .45; }
.crumbs a { color: var(--on-ink-2); text-decoration: none; }
.crumbs a:hover { color: #fff; }
.crumbs [aria-current] { color: var(--gold-2); }

.facts-card { background: rgba(255, 255, 255, .06); border: 1px solid var(--ink-line); border-radius: var(--r-lg); padding: 26px; backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); }
.facts-card__h { font-size: 12px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-2); margin: 0 0 12px; }
.facts-card dl { margin: 0 0 22px; }
.facts-card dl div { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--ink-line); }
.facts-card dt { color: var(--on-ink-2); font-size: 14px; }
.facts-card dd { margin: 0; color: var(--on-ink); font-weight: 700; text-align: right; }

.cat-intro { display: grid; grid-template-columns: 1.4fr .6fr; gap: clamp(28px, 5vw, 80px); align-items: start; }
.cat-intro__text p { font-size: 18px; color: var(--text-2); }
.cat-intro__text p:first-child { font: 400 clamp(21px, 2vw, 26px)/1.5 var(--display); color: var(--ink); }
.cat-intro__note { display: flex; gap: 14px; padding: 22px; border-radius: var(--r); background: var(--gold-soft); color: var(--gold-deep); font-size: 13.5px; line-height: 1.55; }
.cat-intro__note p { margin: 0; color: #5B4212; }
.pgrid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.pgrid--compact { grid-template-columns: repeat(3, 1fr); }
.pcard { position: relative; display: flex; flex-direction: column; padding: 28px; border-radius: var(--r-lg); background: var(--card); border: 1px solid var(--line); text-decoration: none; min-height: 290px; transition: transform .5s var(--ease-out), box-shadow .5s, border-color .3s; overflow: hidden; }
.pcard::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 3px; background: linear-gradient(90deg, var(--gold), var(--gold-2)); transform: scaleX(0); transform-origin: left; transition: transform .6s var(--ease-out); }
.pcard:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--line-2); }
.pcard:hover::after { transform: scaleX(1); }
.pcard__num { font: 400 14px var(--display); color: var(--muted); }
.pcard__cat { font-size: 11px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-deep); }
.pcard__title { font-size: 26px; color: var(--ink); margin: 18px 0 10px; }
.pcard--mini { min-height: 0; }
.pcard--mini .pcard__title { font-size: 21px; margin: 12px 0 8px; }
.pcard__text { font-size: 14.5px; color: var(--text-2); margin: 0; }
.pcard__facts { margin: 18px 0 0; display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.pcard__facts div { padding: 10px 12px; border-radius: 12px; background: var(--paper); }
.pcard__facts dt { font-size: 11px; color: var(--muted); font-weight: 700; letter-spacing: .04em; }
.pcard__facts dd { margin: 2px 0 0; font-weight: 700; font-size: 14px; color: var(--ink); }
.pcard__go { margin-top: auto; padding-top: 20px; display: inline-flex; align-items: center; gap: 8px; font-weight: 700; font-size: 14px; color: var(--ink); }
.pcard__go .i { transition: transform .3s var(--ease); }
.pcard:hover .pcard__go .i { transform: translateX(4px); }

.split-cta, .calc-cta { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 6vw, 96px); align-items: center; }
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--r-lg); padding: clamp(22px, 3vw, 34px); box-shadow: var(--shadow); }
.card__title { font-size: 26px; color: var(--ink); margin-bottom: 20px; display: flex; align-items: center; gap: 10px; }

/* forms */
.lead-form { display: grid; gap: 16px; }
.lead-form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.fld label { display: block; font-size: 13.5px; font-weight: 700; color: var(--ink); margin-bottom: 7px; }
.fld .opt { font-weight: 500; color: var(--muted); }
.fld input, .fld select, .fld textarea, .fund-search select { width: 100%; padding: 13px 15px; border-radius: 12px; border: 1px solid var(--line-2); background: #fff; font-size: 16px; color: var(--text); transition: border-color .2s, box-shadow .2s; }
.fld textarea { resize: vertical; min-height: 88px; }
.fld input:focus, .fld select:focus, .fld textarea:focus, .fund-search select:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 4px rgba(200, 150, 62, .18); }
.fld [aria-invalid="true"] { border-color: var(--rust); }
.fld__prefix { display: flex; align-items: stretch; border: 1px solid var(--line-2); border-radius: 12px; background: #fff; overflow: hidden; transition: border-color .2s, box-shadow .2s; }
.fld__prefix:focus-within { border-color: var(--gold); box-shadow: 0 0 0 4px rgba(200, 150, 62, .18); }
.fld__prefix span { display: grid; place-items: center; padding: 0 12px; background: var(--paper); font-weight: 700; font-size: 14px; color: var(--text-2); border-right: 1px solid var(--line); }
.fld__prefix input { border: 0; border-radius: 0; box-shadow: none !important; }
.fld__err { color: var(--rust); font-size: 13px; margin: 6px 0 0; min-height: 0; }
.fld__err:empty { display: none; }
.fld__err--form { padding: 10px 14px; border-radius: 10px; background: var(--rust-soft); }
.check { display: flex; gap: 12px; align-items: flex-start; font-size: 13px; color: var(--text-2); line-height: 1.5; cursor: pointer; }
.check input { width: 19px; height: 19px; margin-top: 1px; accent-color: var(--ink); flex: none; }
.lead-form__trust { display: flex; align-items: center; justify-content: center; gap: 7px; font-size: 12.5px; color: var(--muted); margin: 0; }
.lead-form__trust .i { width: 14px; height: 14px; }
.lead-form.is-busy button[type="submit"] { opacity: .7; pointer-events: none; }
.form-done { text-align: center; padding: 26px 10px; animation: rise .6s var(--ease-out); }
.form-done .nf__tick { margin: 0 auto 16px; }
.form-done h3 { font-size: 26px; color: var(--ink); margin-bottom: 8px; }

/* article layout */
.article-layout { display: grid; grid-template-columns: 250px minmax(0, 1fr); gap: clamp(28px, 5vw, 72px); padding-block: clamp(48px, 7vw, 88px); align-items: start; }
.article-layout--calc { grid-template-columns: minmax(0, 1fr) 300px; padding-block: 0; }
.toc { position: sticky; top: calc(var(--hdr-h) + 24px); font-size: 14px; }
.toc__h, .side-links__h { font-size: 11.5px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--muted); margin: 0 0 12px; }
.toc ol { list-style: none; margin: 0; padding: 0; border-left: 1px solid var(--line-2); }
.toc a { display: block; padding: 7px 0 7px 16px; margin-left: -1px; border-left: 2px solid transparent; color: var(--text-2); text-decoration: none; transition: color .2s, border-color .2s; }
.toc a:hover, .toc a.is-current, .toc a[aria-current] { color: var(--ink); border-left-color: var(--gold); font-weight: 700; }
.toc__calc, .side-links a { display: flex; gap: 12px; align-items: center; margin-top: 22px; padding: 14px; border-radius: 14px; background: var(--card); border: 1px solid var(--line); text-decoration: none; transition: border-color .2s, transform .3s var(--ease); }
.side-links a { margin: 0 0 10px; }
.toc__calc:hover, .side-links a:hover { border-color: var(--gold); transform: translateY(-2px); }
.toc__calc > .i, .side-links a > .i { width: 38px; height: 38px; padding: 9px; border-radius: 10px; background: var(--gold-soft); color: var(--gold-deep); }
.toc__calc span, .side-links span { display: flex; flex-direction: column; }
.toc__calc strong, .side-links strong { font-size: 14px; color: var(--ink); }
.toc__calc small, .side-links small { font-size: 12px; color: var(--muted); }
.side-links { position: sticky; top: calc(var(--hdr-h) + 24px); }
.prose-col { min-width: 0; max-width: 780px; }
.block { margin-bottom: clamp(44px, 6vw, 72px); scroll-margin-top: calc(var(--hdr-h) + 24px); }
.block > h2, .prose h2 { font-size: clamp(26px, 3vw, 36px); color: var(--ink); margin-bottom: 20px; }
.prose h3 { font-size: 22px; color: var(--ink); margin: 32px 0 12px; }
.prose p, .block > p { font-size: 17.5px; color: var(--text-2); line-height: 1.75; }
.prose ul, .prose ol { padding-left: 22px; margin: 0 0 1.2em; color: var(--text-2); font-size: 17px; line-height: 1.7; }
.prose li { margin-bottom: 6px; }
.prose li::marker { color: var(--gold); }
.prose h2 { margin-top: 44px; scroll-margin-top: calc(var(--hdr-h) + 24px); }
.prose h2:first-child { margin-top: 0; }
.prose blockquote { margin: 26px 0; padding: 4px 0 4px 22px; border-left: 3px solid var(--gold); font: 400 21px/1.5 var(--display); color: var(--ink); }
.prose strong { color: var(--ink); }
.lede { font: 400 clamp(20px, 1.9vw, 24px)/1.55 var(--display) !important; color: var(--ink) !important; }
.suits { margin-top: 28px; padding: 22px 24px; border-radius: var(--r); background: var(--card); border: 1px solid var(--line); }
.suits__h { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 13px; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-deep); margin: 0 0 12px; }
.suits ul { margin: 0; padding: 0; list-style: none; display: flex; flex-wrap: wrap; gap: 8px; }
.suits li { padding: 7px 13px; border-radius: 999px; background: var(--paper); font-size: 14px; font-weight: 600; color: var(--ink); }
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 4px; counter-reset: s; }
.steps li { display: grid; grid-template-columns: 52px 1fr; gap: 18px; padding: 18px 0; border-bottom: 1px solid var(--line); }
.steps li:last-child { border-bottom: 0; }
.steps__n { width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; background: var(--ink); color: var(--gold-2); font: 500 18px var(--display); }
.steps h3 { font-size: 20px; color: var(--ink); margin: 8px 0 6px; }
.steps p { margin: 0; color: var(--text-2); }
.steps--compact li { padding: 12px 0; align-items: center; }
.steps--compact .steps__n { width: 34px; height: 34px; font-size: 15px; }
.benefits { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.benefit { padding: 22px; border-radius: var(--r); background: var(--card); border: 1px solid var(--line); }
.benefit__ico { width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; background: var(--sage-soft); color: var(--sage); }
.benefit__ico .i { width: 17px; height: 17px; stroke-width: 2.2; }
.benefit h3 { font-size: 19px; color: var(--ink); margin: 14px 0 6px; }
.benefit p { margin: 0; font-size: 15px; color: var(--text-2); }
.warn-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.warn-list li { display: flex; gap: 14px; align-items: flex-start; padding: 16px 18px; border-radius: 14px; background: var(--rust-soft); color: #5E2A1C; font-size: 15.5px; }
.warn-list .i { color: var(--rust); margin-top: 3px; }
.callout { display: flex; gap: 16px; padding: 22px 24px; border-radius: var(--r); background: var(--card); border: 1px solid var(--line); border-left: 4px solid var(--gold); }
.callout > .i { color: var(--gold-deep); width: 22px; height: 22px; margin-top: 3px; }
.callout p { margin: 0; color: var(--text-2); font-size: 16px; }
.callout--cta { margin-top: 20px; }
.local-note { padding: 26px 28px; border-radius: var(--r-lg); background: var(--ink); color: var(--on-ink-2); background-image: radial-gradient(70% 90% at 100% 0%, rgba(200, 150, 62, .22), transparent 60%); }
.local-note__h { display: flex; align-items: center; gap: 10px; color: var(--gold-2); font-weight: 800; letter-spacing: .12em; text-transform: uppercase; font-size: 12.5px; margin: 0 0 10px; }
.local-note p:last-child { margin: 0; font-size: 16.5px; }
.calc-promo { display: flex; justify-content: space-between; align-items: center; gap: 22px; padding: 30px; border-radius: var(--r-lg); background: linear-gradient(135deg, var(--ink-3), var(--ink)); color: var(--on-ink-2); flex-wrap: wrap; }
.calc-promo h2 { color: var(--on-ink); font-size: 28px; margin-bottom: 8px; }
.calc-promo p { margin: 0; max-width: 52ch; font-size: 15px; }
.disclaimer { margin-top: 28px; padding: 14px 18px; border-radius: 12px; background: var(--gold-soft); color: #5B4212; font-size: 13px; line-height: 1.6; border-left: 3px solid var(--gold); }

/* calculators */
.calc-group { margin-bottom: 56px; }
.calc-group__h { font-size: 28px; color: var(--ink); margin-bottom: 20px; }
.calc-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); gap: 14px; }
.ccard { display: flex; flex-direction: column; gap: 6px; padding: 24px; border-radius: var(--r); background: var(--card); border: 1px solid var(--line); text-decoration: none; transition: transform .45s var(--ease-out), box-shadow .45s, border-color .3s; }
.ccard:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--gold); }
.ccard__ico { width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; background: var(--ink); color: var(--gold-2); margin-bottom: 12px; transition: transform .5s var(--ease-out); }
.ccard:hover .ccard__ico { transform: rotate(-8deg) scale(1.06); }
.ccard__ico .i { width: 22px; height: 22px; }
.ccard__title { font-size: 21px; color: var(--ink); }
.ccard__text { font-size: 14px; color: var(--text-2); margin: 0; }
.ccard__go { margin-top: auto; padding-top: 14px; display: inline-flex; gap: 8px; align-items: center; font-weight: 700; font-size: 14px; color: var(--gold-deep); }
.calc-tabs { display: flex; gap: 6px; overflow-x: auto; padding-bottom: 6px; margin-bottom: 26px; scrollbar-width: thin; }
.calc-tabs a { flex: none; padding: 9px 16px; border-radius: 999px; border: 1px solid var(--line-2); background: var(--card); font-weight: 700; font-size: 13.5px; text-decoration: none; color: var(--text-2); transition: background-color .2s, color .2s, border-color .2s; }
.calc-tabs a:hover { border-color: var(--ink); color: var(--ink); }
.calc-tabs a[aria-current] { background: var(--ink); color: var(--on-ink); border-color: var(--ink); }
.calc { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 22px; align-items: start; }
.calc__inputs { padding: clamp(22px, 3vw, 32px); border-radius: var(--r-lg); background: var(--card); border: 1px solid var(--line); box-shadow: var(--shadow); display: grid; gap: 22px; position: sticky; top: calc(var(--hdr-h) + 20px); }
.slider__top { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.slider__top label { font-weight: 700; font-size: 14.5px; color: var(--ink); }
.slider__box { display: inline-flex; align-items: center; gap: 4px; padding: 6px 10px; border-radius: 10px; background: var(--gold-soft); border: 1px solid transparent; transition: border-color .2s; }
.slider__box:focus-within { border-color: var(--gold); }
.slider__num { width: 110px; border: 0; background: transparent; font-weight: 800; font-size: 15px; text-align: right; color: var(--ink); font-variant-numeric: tabular-nums; -moz-appearance: textfield; appearance: textfield; }
.slider__num::-webkit-inner-spin-button, .slider__num::-webkit-outer-spin-button { -webkit-appearance: none; margin: 0; }
.slider__num:focus { outline: none; }
.slider__unit { font-weight: 700; font-size: 13px; color: var(--gold-deep); }
.slider__ends { display: flex; justify-content: space-between; font-size: 11.5px; color: var(--muted); margin-top: 2px; }
.calc__out { padding: clamp(22px, 3vw, 32px); border-radius: var(--r-lg); background: var(--ink); color: var(--on-ink-2); box-shadow: var(--shadow-lg); position: relative; overflow: hidden; }
.calc__out::before { content: ""; position: absolute; right: -20%; top: -30%; width: 70%; aspect-ratio: 1; border-radius: 50%; background: radial-gradient(closest-side, rgba(226, 184, 102, .22), transparent 70%); pointer-events: none; }
.calc__results { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; position: relative; }
.res { padding: 14px 16px; border-radius: 14px; background: rgba(255, 255, 255, .05); border: 1px solid var(--ink-line); }
.res span { display: block; font-size: 12.5px; color: var(--on-ink-2); }
.res b { display: block; margin-top: 4px; font-size: 19px; color: var(--on-ink); font-variant-numeric: tabular-nums; }
.res--hi { grid-column: 1 / -1; padding: 20px; background: linear-gradient(135deg, rgba(226, 184, 102, .22), rgba(226, 184, 102, .06)); border-color: rgba(226, 184, 102, .4); }
.res--hi b { font: 400 clamp(34px, 4vw, 48px)/1 var(--display); color: var(--gold-2); letter-spacing: -.02em; margin-top: 8px; }
.res--warn b { color: #F6C1B2; }
.calc__loading { color: var(--on-ink-2); }
.calc__chart { margin-top: 18px; position: relative; }
.calc__chart svg { width: 100%; height: auto; overflow: visible; }
.chart-grid line { stroke: rgba(244, 239, 228, .08); }
.chart-axis text { font: 600 10.5px var(--body); fill: rgba(244, 239, 228, .55); }
.chart-area { opacity: .22; }
.chart-line { fill: none !important; stroke-width: 2.6; stroke-linejoin: round; stroke-linecap: round; stroke-dasharray: 1; stroke-dashoffset: 1; animation: draw 1.1s var(--ease-out) forwards; }
.chart-s0 { stroke: #7FA6D9; fill: #7FA6D9; }
.chart-s1 { stroke: var(--gold-2); fill: var(--gold-2); }
.chart-legend i.chart-s0 { background: #7FA6D9; }
.chart-legend i.chart-s1 { background: var(--gold-2); }
.fp__chart .chart-s1 { stroke: var(--gold-deep); fill: var(--gold); }
.chart-dot { stroke: var(--ink); stroke-width: 2; }
.chart-hover line { stroke: rgba(244, 239, 228, .35); stroke-dasharray: 3 4; }
.chart-tip { position: absolute; pointer-events: none; padding: 10px 12px; border-radius: 10px; background: #fff; color: var(--ink); font-size: 12.5px; box-shadow: var(--shadow); transform: translate(-50%, -110%); white-space: nowrap; z-index: 2; }
.chart-tip b { display: block; font-size: 11px; color: var(--muted); margin-bottom: 3px; }
.chart-tip i { display: inline-block; width: 8px; height: 8px; border-radius: 2px; margin-right: 6px; }
.chart-legend { display: flex; gap: 16px; font-size: 12.5px; color: var(--on-ink-2); margin-top: 6px; }
.chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 7px; vertical-align: -1px; }
.calc__actions { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 16px; }
.calc__out .btn--ghost { --fg: var(--on-ink); --bd: var(--ink-line); }
.calc__out .btn--ghost:hover { --bg: rgba(255, 255, 255, .06); --bd: var(--gold-2); }
.calc__table { margin-top: 16px; border-top: 1px solid var(--ink-line); padding-top: 12px; }
.calc__table summary { cursor: pointer; font-weight: 700; font-size: 14px; color: var(--on-ink); }
.calc__table table { color: var(--on-ink-2); }
.calc__table th { background: rgba(255, 255, 255, .05); color: var(--on-ink-2); }
.calc__table td { border-color: var(--ink-line); }
.calc__out .disclaimer { background: rgba(226, 184, 102, .1); color: var(--on-ink-2); }
.calc-cta .card { box-shadow: var(--shadow-lg); }
.formula { padding: 20px 22px; border-radius: 14px; background: var(--ink); color: var(--gold-2); overflow-x: auto; margin-bottom: 16px; }
.formula code { font: 500 17px/1.6 ui-monospace, "Cascadia Code", Consolas, monospace; white-space: pre-wrap; }

/* tables */
.table-scroll { overflow-x: auto; border-radius: 14px; border: 1px solid var(--line); background: var(--card); }
table { width: 100%; border-collapse: collapse; font-size: 14px; }
th { text-align: left; padding: 12px 16px; background: var(--paper); font-size: 12px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); white-space: nowrap; }
td { padding: 13px 16px; border-top: 1px solid var(--line); vertical-align: top; }
th.num, td.num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
.calc__table .table-scroll { border-color: var(--ink-line); background: transparent; margin-top: 12px; }

/* fund explorer */
.fund-search { display: grid; grid-template-columns: 1fr 260px auto; gap: 10px; }
.fund-search__box { display: flex; align-items: center; gap: 12px; padding: 0 16px; border-radius: 14px; background: var(--card); border: 1px solid var(--line-2); transition: border-color .2s, box-shadow .2s; }
.fund-search__box:focus-within { border-color: var(--gold); box-shadow: 0 0 0 4px rgba(200, 150, 62, .18); }
.fund-search__box > .i { color: var(--muted); }
.fund-search__box input { flex: 1; min-width: 0; border: 0; background: transparent; padding: 16px 0; font-size: 16.5px; }
.fund-search__box input:focus { outline: none; }
.fund-search__box kbd { font: 700 12px var(--body); padding: 2px 8px; border-radius: 6px; border: 1px solid var(--line-2); color: var(--muted); }
.chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 16px 0 26px; }
.chip { padding: 7px 14px; border-radius: 999px; border: 1px solid var(--line-2); background: var(--card); font-size: 13.5px; font-weight: 600; text-decoration: none; color: var(--text-2); transition: all .2s; }
.chip:hover { border-color: var(--ink); color: var(--ink); }
.ftable td small { display: block; color: var(--muted); font-size: 12px; margin-top: 2px; }
.fund-link { border: 0; background: none; padding: 0; text-align: left; font-weight: 700; color: var(--ink); font-size: 14.5px; }
.fund-link:hover { color: var(--gold-deep); text-decoration: underline; }
.empty { padding: 44px 24px; text-align: center; color: var(--muted); border: 1px dashed var(--line-2); border-radius: var(--r); }
.empty--hint { display: flex; align-items: center; justify-content: center; gap: 10px; }
.fund-panel { position: fixed; inset: auto 0 0 auto; top: 0; width: min(560px, 100%); z-index: 90; background: var(--card); box-shadow: -30px 0 80px -30px rgba(0, 0, 0, .5); overflow-y: auto; padding: 32px; animation: slidein .45s var(--ease-out); }
@keyframes slidein { from { transform: translateX(100%); } }
.fund-panel__close { position: absolute; right: 18px; top: 18px; width: 42px; height: 42px; border-radius: 50%; border: 1px solid var(--line-2); background: var(--card); display: grid; place-items: center; }
.fund-scrim { position: fixed; inset: 0; z-index: 85; background: rgba(8, 21, 40, .5); backdrop-filter: blur(3px); animation: fade .3s forwards; opacity: 0; }
.fp__amc { font-size: 12px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-deep); margin: 0 0 8px; padding-right: 50px; }
.fp__name { font-size: 26px; color: var(--ink); margin-bottom: 6px; padding-right: 30px; }
.fp__cat { color: var(--muted); font-size: 14px; }
.fp__nav { display: flex; align-items: baseline; gap: 12px; margin: 22px 0; padding: 18px 20px; border-radius: 14px; background: var(--ink); color: var(--on-ink-2); }
.fp__nav strong { font: 400 36px/1 var(--display); color: var(--gold-2); }
.fp__returns { display: grid; grid-template-columns: repeat(5, 1fr); gap: 8px; }
.fp__returns div { padding: 12px 8px; border-radius: 12px; background: var(--paper); text-align: center; }
.fp__returns span { display: block; font-size: 11.5px; font-weight: 800; color: var(--muted); }
.fp__returns b { display: block; margin-top: 4px; font-size: 16px; font-variant-numeric: tabular-nums; }
.fp__returns .pos { color: var(--sage); }
.fp__returns .neg { color: var(--rust); }
.fp__chart { margin-top: 20px; padding: 16px; border-radius: 14px; border: 1px solid var(--line); }
.fp__chart svg { width: 100%; height: auto; }
.fp__chart .chart-axis text { fill: var(--muted); }
.fp__chart .chart-grid line { stroke: var(--line); }
.fp__skel { height: 18px; border-radius: 8px; background: linear-gradient(90deg, var(--paper) 25%, var(--paper-2) 50%, var(--paper) 75%); background-size: 200% 100%; animation: skel 1.2s infinite; margin-bottom: 10px; }
@keyframes skel { to { background-position: -200% 0; } }

/* quiz */
.quiz-wrap { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: clamp(24px, 4vw, 56px); align-items: start; }
.quiz, .quiz-result { padding: clamp(24px, 4vw, 44px); border-radius: var(--r-lg); background: var(--card); border: 1px solid var(--line); box-shadow: var(--shadow); }
.quiz__progress { height: 6px; border-radius: 999px; background: var(--paper-2); overflow: hidden; }
.quiz__progress span { display: block; height: 100%; width: var(--w, 10%); background: linear-gradient(90deg, var(--gold), var(--gold-2)); border-radius: inherit; transition: width .6s var(--ease-out); }
.quiz__count { font-size: 13px; font-weight: 700; color: var(--muted); margin: 14px 0 26px; }
.quiz__q { border: 0; margin: 0; padding: 0; min-width: 0; animation: rise .5s var(--ease-out); }
.quiz__q legend { display: flex; gap: 16px; align-items: flex-start; font: 500 clamp(22px, 2.4vw, 30px)/1.25 var(--display); color: var(--ink); margin-bottom: 24px; padding: 0; }
.quiz__qn { flex: none; display: grid; place-items: center; width: 44px; height: 44px; border-radius: 12px; background: var(--ink); color: var(--gold-2); font: 500 16px var(--body); }
.quiz__qn .i { width: 20px; height: 20px; }
.quiz__opts { display: grid; gap: 10px; }
.quiz__opt { display: flex; align-items: center; gap: 14px; padding: 15px 18px; border-radius: 14px; border: 1px solid var(--line-2); cursor: pointer; font-weight: 600; transition: border-color .2s, background-color .2s, transform .2s; }
.quiz__opt:hover { border-color: var(--ink); }
.quiz__opt input { position: absolute; opacity: 0; pointer-events: none; }
.quiz__key { width: 30px; height: 30px; border-radius: 8px; display: grid; place-items: center; background: var(--paper); font-size: 13px; font-weight: 800; color: var(--muted); flex: none; transition: all .2s; }
.quiz__opt:has(input:checked) { border-color: var(--gold); background: var(--gold-soft); }
.quiz__opt:has(input:checked) .quiz__key { background: var(--ink); color: var(--gold-2); }
.quiz__opt:has(input:focus-visible) { outline: 2.5px solid var(--gold); outline-offset: 2px; }
.quiz__gate-text { color: var(--text-2); }
.quiz__gate .lead-form__row, .quiz__gate .fld, .quiz__gate .check { margin-bottom: 14px; }
.quiz__nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 30px; }
.quiz-result { text-align: center; animation: rise .7s var(--ease-out); }
.quiz-result:focus { outline: none; }
.quiz-result__name { font-size: clamp(38px, 5vw, 60px); color: var(--ink); font-weight: 400; }
.quiz-result__meter { position: relative; height: 12px; border-radius: 999px; margin: 26px auto 8px; max-width: 460px; background: linear-gradient(90deg, #9FC7AE, var(--gold), var(--rust)); }
.quiz-result__meter span { position: absolute; top: 50%; left: var(--pos, 50%); width: 24px; height: 24px; border-radius: 50%; background: #fff; border: 4px solid var(--ink); transform: translate(-50%, -50%); transition: left 1.2s var(--ease-out); }
.quiz-result__score { color: var(--muted); font-size: 14px; }
.quiz-result__text { font-size: 17.5px; color: var(--text-2); max-width: 60ch; margin: 20px auto; }
.quiz-result__mix { display: flex; justify-content: center; align-items: center; gap: 32px; margin: 28px 0; flex-wrap: wrap; }
.donut--lg svg { width: 170px; height: 170px; }
.quiz-result .donut__track { stroke: var(--paper-2); }
.quiz-result .donut__seg--b { stroke: #5C7FB0; }
.quiz-result .donut__seg--c { stroke: var(--gold-soft); }
.legend--lg { font-size: 15px; text-align: left; gap: 10px; }
.legend--lg strong { color: var(--ink); margin-left: 4px; }
.quiz-result__cta { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; margin-top: 22px; }
.quiz-side { display: grid; gap: 14px; position: sticky; top: calc(var(--hdr-h) + 24px); }
.quiz-side__card { padding: 24px; border-radius: var(--r); background: var(--paper-2); }
.quiz-side__h { font: 500 20px var(--display); color: var(--ink); margin-bottom: 10px; }
.quiz-side__card p, .quiz-side__card ol { font-size: 14.5px; color: var(--text-2); margin: 0; }
.quiz-side__card ol { padding-left: 18px; display: grid; gap: 6px; }

/* contact / login / about */
.contact { display: grid; grid-template-columns: 1.15fr .85fr; gap: 22px; align-items: start; }
.contact__side { display: grid; gap: 12px; }
.contact-card { display: flex; align-items: center; gap: 16px; padding: 18px 20px; border-radius: var(--r); background: var(--card); border: 1px solid var(--line); text-decoration: none; transition: border-color .2s, transform .3s var(--ease); }
a.contact-card:hover { border-color: var(--gold); transform: translateY(-2px); }
.contact-card > span:nth-child(2) { display: flex; flex-direction: column; flex: 1; }
.contact-card strong { color: var(--ink); }
.contact-card small { color: var(--muted); font-size: 13.5px; }
.contact-card > .i { color: var(--muted); }
.contact-card__ico { width: 46px; height: 46px; border-radius: 14px; display: grid; place-items: center; background: var(--ink); color: var(--gold-2); flex: none; }
.contact-card__ico--wa { background: #1FAF55; color: #fff; }
.map-card { padding: 20px; border-radius: var(--r); background: var(--card); border: 1px solid var(--line); }
.map-card__head { display: flex; gap: 16px; align-items: flex-start; margin-bottom: 16px; }
.map-card__head p { margin: 2px 0 0; font-size: 14px; color: var(--text-2); }
.map-embed { display: grid; place-items: center; gap: 6px; min-height: 220px; border-radius: 14px; background: var(--paper-2) radial-gradient(circle at 50% 45%, rgba(200, 150, 62, .18), transparent 50%); text-align: center; overflow: hidden; }
.map-embed iframe { width: 100%; height: 280px; border: 0; }
.map-card .link-arrow { margin-top: 14px; }
.contact-list { list-style: none; margin: 22px 0 0; padding: 0; display: grid; gap: 12px; }
.contact-list li { display: flex; gap: 12px; align-items: center; }
.contact-list .i { color: var(--gold-deep); }
.login-page { display: grid; grid-template-columns: 1.3fr .7fr; gap: 22px; align-items: start; }
.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.value { padding: 28px; border-radius: var(--r-lg); background: var(--card); border: 1px solid var(--line); }
.value__ico { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: var(--gold-soft); color: var(--gold-deep); }
.value__ico .i { width: 23px; height: 23px; }
.value h3 { font-size: 21px; color: var(--ink); margin: 18px 0 8px; }
.value p { margin: 0; color: var(--text-2); font-size: 15px; }
.regs-block { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(28px, 5vw, 80px); align-items: center; }
.regs-list { margin: 0; display: grid; gap: 12px; }
.regs-list div { display: grid; grid-template-columns: 1fr auto; gap: 2px 16px; padding: 18px 20px; border-radius: var(--r); background: var(--card); border: 1px solid var(--line); }
.regs-list dt { font-size: 12.5px; font-weight: 700; color: var(--muted); }
.regs-list dd { margin: 0; font: 500 20px var(--display); color: var(--ink); grid-row: 2; }
.regs-list dd small { font: 500 12px var(--body); color: var(--muted); }
.regs-list a { grid-row: 1 / 3; grid-column: 2; align-self: center; display: inline-flex; gap: 6px; align-items: center; font-size: 13px; font-weight: 700; color: var(--gold-deep); text-decoration: none; }
.team { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 18px; }
.member { margin: 0; border-radius: var(--r-lg); background: var(--card); border: 1px solid var(--line); overflow: hidden; }
.member img, .member__mono { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; }
.member__mono { display: grid; place-items: center; background: linear-gradient(160deg, var(--ink-3), var(--ink)); color: var(--gold-2); font: 300 italic 90px var(--display); }
.member figcaption { padding: 18px 20px 22px; display: flex; flex-direction: column; }
.member figcaption strong { font: 500 20px var(--display); color: var(--ink); }
.member figcaption span { color: var(--gold-deep); font-size: 13.5px; font-weight: 700; }
.member figcaption p { margin: 10px 0 0; font-size: 14px; color: var(--text-2); }

/* blog post */
.post__byline { display: flex; align-items: center; gap: 14px; margin: 28px 0 0; color: var(--on-ink-2); font-size: 14.5px; }
.post__byline a { color: var(--on-ink); font-weight: 700; }
.post__byline small { font-size: 12.5px; }
.post__avatar { width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center; background: var(--gold); color: var(--ink); font: 500 italic 22px var(--display); flex: none; }
.post__avatar--lg { width: 64px; height: 64px; font-size: 30px; }
.post__cover { margin-top: -40px; position: relative; }
.post__cover img { border-radius: var(--r-lg); box-shadow: var(--shadow-lg); }
.author-box { display: flex; gap: 18px; align-items: center; margin-top: 36px; padding: 24px; border-radius: var(--r-lg); background: var(--card); border: 1px solid var(--line); }
.author-box__name { font: 500 21px var(--display); color: var(--ink); margin: 0; }
.author-box__role { font-size: 13.5px; color: var(--muted); margin: 2px 0 8px; }
.reading-bar { position: fixed; left: 0; top: 0; height: 3px; width: 100%; z-index: 100; background: linear-gradient(90deg, var(--gold), var(--gold-2)); transform-origin: left; transform: scaleX(var(--read, 0)); }
.pager { display: flex; justify-content: center; align-items: center; gap: 18px; margin-top: 48px; color: var(--muted); font-size: 14px; }
.posts--grid { row-gap: 26px; }

/* 404 / thank you */
.nf { padding-block: clamp(80px, 14vw, 180px); text-align: center; }
.nf__in { max-width: 720px; }
.nf__code { font: 300 italic clamp(110px, 20vw, 220px)/1 var(--display); margin: 0; background: linear-gradient(120deg, var(--gold-deep), var(--gold-2)); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.nf__title { font-size: clamp(32px, 4.4vw, 52px); color: var(--ink); margin: 10px 0 16px; }
.nf__text { font-size: 18px; color: var(--text-2); }
.nf__links { display: flex; gap: 10px; justify-content: center; flex-wrap: wrap; margin-top: 30px; }
.nf__tick { width: 84px; height: 84px; border-radius: 50%; display: grid; place-items: center; margin: 0 auto 26px; background: var(--sage-soft); color: var(--sage); animation: popin .7s var(--ease-out); }
.nf__tick .i { width: 40px; height: 40px; stroke-width: 2.4; stroke-dasharray: 30; stroke-dashoffset: 30; animation: draw .8s var(--ease-out) .3s forwards; }
@keyframes popin { from { transform: scale(.4); opacity: 0; } }
.page-maint .brand__mark { width: 64px; height: 64px; margin: 0 auto 26px; }

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 1180px) {
  .nav { position: fixed; inset: 0 0 0 auto; width: min(420px, 100%); background: var(--card); z-index: 80; padding: calc(var(--hdr-h) + 12px) 20px 120px; overflow-y: auto; transform: translateX(100%); transition: transform .5s var(--ease-out); box-shadow: -30px 0 80px -30px rgba(0, 0, 0, .4); }
  .nav.is-open { transform: none; }
  .nav__list { flex-direction: column; align-items: stretch; gap: 0; }
  .nav__item { border-bottom: 1px solid var(--line); }
  .nav__item--m { display: block; }
  .nav__link, .page-home .hdr:not(.is-scrolled) .nav__link { color: var(--ink); font-size: 18px; padding: 16px 4px; border-radius: 0; justify-content: space-between; width: 100%; font-family: var(--display); font-weight: 500; }
  .nav__link:hover { background: none; }
  .nav__chev { transform: none; }
  .has-mega.is-open .nav__chev { transform: rotate(90deg); }
  .mega { position: static; width: auto; transform: none; display: none; grid-template-columns: 1fr; border: 0; box-shadow: none; border-radius: 0; opacity: 1; visibility: visible; pointer-events: auto; background: transparent; }
  .has-mega:hover > .mega, .has-mega:focus-within > .mega { transform: none; }
  .has-mega.is-open > .mega { display: block; }
  .mega__intro { display: none; }
  .mega__grid, .mega__grid--3 { grid-template-columns: 1fr; padding: 0 0 14px; }
  .mega__grid a { padding: 9px 8px; }
  .mega__grid span { display: none; }
  .burger { display: block; z-index: 90; }
  .hdr__actions { margin-left: auto; }
  .nav-scrim { position: fixed; inset: 0; z-index: 75; background: rgba(8, 21, 40, .45); animation: fade .3s forwards; opacity: 0; }
  body.nav-open { overflow: hidden; }
  body.nav-open .burger span { background: var(--ink) !important; }
  .ftr__grid { grid-template-columns: repeat(3, 1fr); }
  .ftr__brand { grid-column: 1 / -1; }
}
@media (max-width: 980px) {
  .hero__in, .wait, .story__in, .flow, .founder, .split-cta, .calc-cta, .cat-intro, .local-band__in, .faq-wrap, .regs-block, .phero__in--split, .contact, .login-page, .quiz-wrap { grid-template-columns: 1fr; }
  .hero { min-height: 0; }
  .hero__stage { min-height: 440px; max-width: 520px; width: 100%; margin-inline: auto; }
  .story__sticky { position: sticky; top: calc(var(--hdr-h) + 8px); order: 0; z-index: 2; }
  .story__chart { padding: 14px; }
  .story__step { min-height: 0; padding-block: 26px; }
  .stats__grid { grid-template-columns: 1fr 1fr; }
  .stat:nth-child(3) { border-left: 0; padding-left: 0; }
  .stat:nth-child(n+3) { border-top: 1px solid var(--line); }
  .bento__card, .bento__card:nth-child(n) { grid-column: span 12; min-height: 340px; }
  .ladder { grid-template-columns: repeat(3, 1fr); }
  .ladder__step { --h: auto; }
  .path, .path--static { grid-template-columns: 1fr; gap: 0; }
  .path::before { left: 31px; right: auto; top: 32px; bottom: 32px; width: 2px; height: auto; background: linear-gradient(180deg, var(--gold) var(--prog, 0%), var(--line) var(--prog, 0%)); }
  .path__step a, .path__step > div { display: grid; grid-template-columns: 64px 1fr; column-gap: 20px; padding-bottom: 22px; }
  .path__dot { grid-row: span 2; margin: 0; }
  .myths, .quotes, .posts, .values, .pgrid, .pgrid--compact { grid-template-columns: 1fr 1fr; }
  .tools { grid-template-columns: 1fr 1fr; }
  .founder { max-width: 640px; }
  .founder__media { max-width: 420px; }
  .founder__badge { right: 12px; }
  .calc { grid-template-columns: 1fr; }
  .calc__inputs { position: static; }
  .article-layout, .article-layout--calc { grid-template-columns: 1fr; }
  .toc { position: static; display: none; }
  .side-links { position: static; }
  .faq-wrap .sec__head { position: static; }
  .quiz-side { position: static; }
  .fund-search { grid-template-columns: 1fr 1fr; }
  .fund-search__box { grid-column: 1 / -1; }
  .ftr__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 680px) {
  :root { --hdr-h: 64px; }
  body { font-size: 16px; }
  .topbar__links .hide-sm, .hide-sm { display: none !important; }
  .topbar__regs span:not(:first-child) { display: none; }
  .brand__mark { width: 38px; height: 38px; }
  .brand__name { font-size: 19px; }
  .hide-xs { display: none; }
  .login-menu .btn span { display: none; }
  .login-pop { position: fixed; left: 12px; right: 12px; top: calc(var(--hdr-h) + 42px); width: auto; }
  .hero__in { padding-block: 44px 120px; }
  .hero__proof { gap: 22px; }
  .hero__proof strong { font-size: 25px; }
  .hero__stage { min-height: 0; display: grid; gap: 12px; perspective: none; }
  .gcard { position: relative; inset: auto; transform: none !important; }
  .gcard--main { width: 100%; }
  .gcard--mix { display: none; }
  .gcard--chip { justify-self: start; font-size: 12px; }
  .hero__scroll { display: none; }
  .ticker__track { font-size: 18px; padding: 12px 0; }
  .stat { padding: 22px 12px; }
  .stat:nth-child(odd) { padding-left: 0; border-left: 0; }
  .myths, .quotes, .posts, .values, .pgrid, .pgrid--compact, .benefits, .tools, .tools--two, .lead-form__row, .calc__results { grid-template-columns: 1fr; }
  .tool--feature { grid-column: auto; }
  .ladder { grid-template-columns: 1fr 1fr; }
  .ladder__card { min-height: 0; }
  .myth { height: 230px; }
  .bento__chips { padding-right: 56px; }
  .fund-search { grid-template-columns: 1fr; }
  .fp__returns { grid-template-columns: repeat(3, 1fr); }
  .fund-panel { padding: 24px 18px; }
  .dock { display: grid; }
  .wa-fab { display: none; }
  .ftr__grid { grid-template-columns: 1fr 1fr; gap: 28px 20px; }
  .ftr__legal { padding-bottom: 120px; }
  .quiz__nav .btn { flex: 1; }
  .quiz__opt { padding: 13px 14px; }
  .story__chart svg { max-height: 30vh; }
  .story__legend { font-size: 11.5px; margin-top: 8px; }
  .story__caption { font-size: 15px; margin-bottom: 6px; }
  .phero__title { max-width: none; }
  .author-box { flex-direction: column; text-align: center; }
  .founder__mono span { font-size: 110px; }
  .calc-tabs { margin-inline: calc(var(--gutter) * -1); padding-inline: var(--gutter); }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; scroll-behavior: auto !important; }
  .js .reveal { opacity: 1; translate: none; scale: none; filter: none; }
  .hero__title .w > span, .hero__title .w > em { transform: none; }
  .ticker__track { animation: none; }
  .hero__canvas { display: none; }
}

@media print {
  .topbar, .hdr, .ftr, .dock, .wa-fab, .calc-tabs, .calc__actions, .calc-cta, .sec--paper, .hero__canvas { display: none !important; }
  body { background: #fff; }
  .phero { background: #fff; color: #000; }
  .phero__title { color: #000; }
  .calc__out { background: #fff; color: #000; box-shadow: none; border: 1px solid #ccc; }
  .res b, .res--hi b { color: #000; }
  .js .reveal { opacity: 1; translate: none; scale: none; filter: none; }
}

/* ==========================================================================
   CINEMATIC LAYER — photography, scroll-driven motion and motion infographics
   All motion is CSS transforms/opacity (GPU friendly); JS only writes custom properties.
   ========================================================================== */
@keyframes kenburns { from { transform: scale(1.14) translate3d(-1.6%, 1.2%, 0); } to { transform: scale(1.03) translate3d(1.2%, -1%, 0); } }
@keyframes photoin { from { opacity: 0; filter: blur(12px); } to { opacity: 1; filter: none; } }
@keyframes barTop { to { transform: translateY(-101%); } }
@keyframes barBottom { to { transform: translateY(101%); } }
@keyframes flare { 0% { transform: translateX(-60%); opacity: 0; } 20% { opacity: 1; } 100% { transform: translateX(60%); opacity: 0; } }
@keyframes coinDrop { 0% { opacity: 0; transform: translateY(-180px) rotateX(50deg); } 70% { opacity: 1; transform: translateY(4px); } 100% { opacity: 1; transform: none; } }
@keyframes shine { to { transform: translateX(220%) skewX(-18deg); } }
.kenburns { animation: kenburns 28s ease-in-out infinite alternate; transform-origin: 60% 40%; will-change: transform; }

/* ---------- hero: letterbox intro, light sweep, scroll exit ---------- */
.hero__in { transform: translate3d(0, calc(var(--hs, 0) * -60px), 0); opacity: calc(1 - var(--hs, 0) * 1.3); }
.hero__bars i { position: absolute; left: 0; right: 0; height: 12vh; z-index: 70; background: #050D1A; pointer-events: none; animation: barTop 1.5s cubic-bezier(.7, 0, .2, 1) .35s forwards; }
.hero__bars i:first-child { top: 0; }
.hero__bars i:last-child { bottom: 0; animation-name: barBottom; }
.hero__flare { position: absolute; inset: -10% -40%; z-index: -1; pointer-events: none; mix-blend-mode: screen; background: linear-gradient(104deg, transparent 38%, rgba(243, 217, 160, .10) 46%, rgba(255, 238, 205, .26) 50%, rgba(243, 217, 160, .10) 54%, transparent 62%); opacity: 0; animation: flare 3.2s var(--ease) 1.1s forwards; }
.hero::after { content: ""; position: absolute; inset: 0; z-index: -1; pointer-events: none; background: radial-gradient(120% 90% at 50% 40%, transparent 55%, rgba(4, 10, 20, .55) 100%); }

/* ---------- inner page heroes with a photo backdrop ---------- */
.phero__photo { position: absolute; inset: 0; overflow: hidden; animation: photoin 1.8s var(--ease-out) both; }
.phero__photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 40%; opacity: .42; mix-blend-mode: luminosity; }
.phero__photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(11, 27, 51, .97) 0%, rgba(11, 27, 51, .84) 42%, rgba(11, 27, 51, .42) 100%), linear-gradient(0deg, rgba(11, 27, 51, .85), transparent 45%); }
.phero--photo .phero__grid { opacity: .6; }

/* ---------- bento cards: photo glimpse ---------- */
.bento__photo { position: absolute; inset: 0; z-index: -2; overflow: hidden; pointer-events: none; -webkit-mask-image: radial-gradient(85% 75% at 100% 0%, #000 10%, transparent 72%); mask-image: radial-gradient(85% 75% at 100% 0%, #000 10%, transparent 72%); }
.bento__photo img { width: 100%; height: 100%; object-fit: cover; opacity: .2; filter: saturate(.8); transform: scale(1.06); transition: opacity .8s var(--ease-out), transform 1.6s var(--ease-out); }
.bento__card:hover .bento__photo img { opacity: .34; transform: scale(1); }
.bento__card--invest .bento__photo img { opacity: .38; mix-blend-mode: luminosity; }
.bento__card--invest:hover .bento__photo img { opacity: .5; }

/* ---------- image reveal (clip-path wipe + settle) ---------- */
.js .cine { clip-path: inset(12% 14% 12% 14% round var(--r-lg)); transition: clip-path 1.5s var(--ease-out); }
.js .cine img { transform: scale(1.28); transition: transform 2s var(--ease-out); }
.js .cine.is-in { clip-path: inset(0 0 0 0 round var(--r-lg)); }
.js .cine.is-in img { transform: none; }

/* ---------- life goals reel ---------- */
.reel { position: relative; background: var(--ink); color: var(--on-ink-2); isolation: isolate; }
.reel::before { content: ""; position: absolute; inset: 0; z-index: -1; background: radial-gradient(50% 60% at 85% 10%, rgba(200, 150, 62, .16), transparent 70%), radial-gradient(40% 50% at 5% 95%, rgba(27, 58, 100, .8), transparent 70%); }
.reel__pin { position: relative; padding-block: clamp(72px, 9vw, 120px) clamp(40px, 5vw, 64px); overflow: hidden; }
.reel__ghost { position: absolute; left: 0; top: 50%; z-index: -1; white-space: nowrap; font: 300 italic clamp(90px, 15vw, 230px)/1 var(--display); color: transparent; -webkit-text-stroke: 1px rgba(226, 184, 102, .16); transform: translate3d(calc(8% - var(--p, 0) * 45%), -50%, 0); pointer-events: none; user-select: none; }
.reel__head { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: clamp(24px, 4vw, 64px); align-items: end; margin-bottom: clamp(28px, 4vh, 52px); }
.reel__meta .sec__lead { margin: 0; }
.reel__progress { height: 2px; margin-top: 22px; background: var(--ink-line); border-radius: 2px; overflow: hidden; display: none; }
.reel__progress span { display: block; height: 100%; background: linear-gradient(90deg, var(--gold), #F3D9A0); transform-origin: left; transform: scaleX(var(--p, 0)); }
.reel__viewport { overflow-x: auto; overscroll-behavior-x: contain; scroll-snap-type: x mandatory; scrollbar-width: none; -webkit-overflow-scrolling: touch; }
.reel__viewport::-webkit-scrollbar { display: none; }
.reel__track { list-style: none; margin: 0; display: flex; gap: clamp(14px, 1.6vw, 22px); width: max-content; padding: 6px max(var(--gutter), calc((100vw - var(--wrap)) / 2)) 10px; transform: translate3d(var(--x, 0), 0, 0); }
.reel__fine { margin-top: 20px; }
.goal { flex: none; width: clamp(290px, 30vw, 410px); display: flex; flex-direction: column; border-radius: var(--r-lg); overflow: hidden; background: linear-gradient(180deg, #15294A, #0F213D); border: 1px solid var(--ink-line); box-shadow: 0 30px 60px -30px rgba(0, 0, 0, .6); scroll-snap-align: start; scroll-margin-inline: var(--gutter); transition: border-color .4s, transform .6s var(--ease-out); }
.goal:hover { border-color: rgba(226, 184, 102, .45); transform: translateY(-4px); }
.goal__media { position: relative; margin: 0; aspect-ratio: 16 / 10; overflow: hidden; background: var(--ink-2); }
.goal__media img { width: 100%; height: 100%; object-fit: cover; transform: scale(1.16) translate3d(var(--gx, 0), 0, 0); transition: transform 1.4s var(--ease-out), filter .6s; filter: saturate(.85); }
.goal:hover .goal__media img { filter: saturate(1.05); }
.goal__media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(0deg, rgba(11, 27, 51, .92) 0%, rgba(11, 27, 51, .15) 55%, transparent 100%); }
.goal__media figcaption { position: absolute; left: 20px; right: 20px; bottom: 14px; z-index: 1; display: flex; justify-content: space-between; align-items: flex-end; }
.goal__idx { font: 300 italic 46px/1 var(--display); color: var(--gold-2); }
.goal__when { display: inline-flex; align-items: center; gap: 6px; padding: 6px 11px; border-radius: 999px; background: rgba(11, 27, 51, .6); border: 1px solid var(--ink-line); font-size: 12px; font-weight: 700; color: var(--on-ink); -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px); }
.goal__when .i { width: 14px; height: 14px; color: var(--gold-2); }
.goal__body { flex: 1; display: flex; flex-direction: column; gap: 12px; padding: 20px 22px 24px; }
.goal__title { font-size: clamp(23px, 2vw, 28px); color: var(--on-ink); font-weight: 400; }
.goal__what { margin: -6px 0 0; font-size: 14px; color: var(--on-ink-2); }
.goal__bars { display: grid; gap: 9px; margin-top: 4px; }
.gbar { display: grid; grid-template-columns: 64px minmax(0, 1fr) 76px; align-items: center; gap: 12px; margin: 0; font-size: 12.5px; }
.gbar__k { color: var(--on-ink-2); font-weight: 600; }
.gbar__t { height: 10px; border-radius: 999px; background: rgba(255, 255, 255, .07); overflow: hidden; }
.gbar__t b { display: block; height: 100%; width: var(--w, 100%); border-radius: inherit; background: linear-gradient(90deg, #56657F, #9AA8BF); transform-origin: left; }
.gbar--fut .gbar__t b { background: linear-gradient(90deg, #B7832F, #E2B866 60%, #F6E2B5); box-shadow: 0 0 16px rgba(226, 184, 102, .45); }
.gbar strong { font: 500 17px/1 var(--display); color: var(--on-ink); text-align: right; white-space: nowrap; }
.gbar strong small { font: 600 11px var(--body); color: var(--on-ink-2); margin-left: 2px; }
.gbar--fut strong { color: var(--gold-2); }
.js .goal .gbar__t b { transform: scaleX(0); transition: transform 1.5s var(--ease-out) .25s; }
.js .goal .gbar--fut .gbar__t b { transition-delay: .6s; }
.js .goal.is-in .gbar__t b { transform: none; }
.goal__x { margin: 0; font-size: 12.5px; color: var(--on-ink-2); display: flex; align-items: baseline; gap: 8px; }
.goal__x span { font: 400 italic 30px/1 var(--display); color: var(--gold-2); }
.goal__need { margin: 0; padding-top: 12px; border-top: 1px solid var(--ink-line); font-size: 13.5px; color: var(--on-ink-2); }
.goal__need strong { color: var(--on-ink); font-weight: 700; }
.goal__need small { display: block; font-size: 11.5px; opacity: .75; margin-top: 2px; }
.goal .link-arrow { margin-top: auto; color: var(--gold-2); }
.goal--cta { justify-content: center; align-items: flex-start; gap: 16px; padding: clamp(26px, 3vw, 40px); background: radial-gradient(90% 70% at 100% 0%, rgba(226, 184, 102, .22), transparent 70%), linear-gradient(160deg, var(--ink-3), var(--ink-2)); }
.goal--cta .eyebrow { margin: 0; }
.goal__cta-title { margin: 0 0 8px; font: 400 clamp(26px, 2.4vw, 34px)/1.15 var(--display); color: var(--on-ink); }
.goal__cta-title em { color: var(--gold-2); }
.w-5 { --w: 5%; } .w-10 { --w: 10%; } .w-15 { --w: 15%; } .w-20 { --w: 20%; } .w-25 { --w: 25%; } .w-30 { --w: 30%; } .w-35 { --w: 35%; } .w-40 { --w: 40%; } .w-45 { --w: 45%; } .w-50 { --w: 50%; }
.w-55 { --w: 55%; } .w-60 { --w: 60%; } .w-65 { --w: 65%; } .w-70 { --w: 70%; } .w-75 { --w: 75%; } .w-80 { --w: 80%; } .w-85 { --w: 85%; } .w-90 { --w: 90%; } .w-95 { --w: 95%; } .w-100 { --w: 100%; }
/* pinned mode (desktop): vertical scroll drives the horizontal track */
.reel.is-pinned { height: var(--reel-h, auto); }
.reel.is-pinned .reel__pin { position: sticky; top: 0; height: 100vh; height: 100svh; display: flex; flex-direction: column; justify-content: center; padding-block: 24px; }
.reel.is-pinned .reel__viewport { overflow: hidden; scroll-snap-type: none; }
.reel.is-pinned .reel__track { will-change: transform; }
.reel.is-pinned .reel__progress { display: block; }
.reel.is-pinned .goal__media { aspect-ratio: auto; height: clamp(170px, 27vh, 260px); }
@media (max-height: 820px) { .reel.is-pinned .reel__head .sec__title { font-size: clamp(28px, 3.2vw, 40px); } .reel.is-pinned .goal__body { gap: 9px; padding-block: 16px 18px; } .reel.is-pinned .reel__head { margin-bottom: 20px; } }

/* ---------- cinematic photo band ---------- */
.cine-band { position: relative; isolation: isolate; overflow: hidden; display: grid; align-items: end; min-height: clamp(440px, 78vh, 760px); background: var(--ink); color: var(--on-ink); }
.cine-band__img { position: absolute; inset: -14% 0; z-index: -2; transform: translate3d(0, calc(var(--p, 0) * 9%), 0) scale(1.04); }
.cine-band__img img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 45%; }
.cine-band::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(0deg, rgba(8, 21, 40, .95) 0%, rgba(8, 21, 40, .55) 45%, rgba(8, 21, 40, .12) 100%), radial-gradient(120% 100% at 50% 50%, transparent 50%, rgba(4, 10, 20, .6) 100%); }
.cine-band__in { padding-block: clamp(72px, 10vw, 120px); }
.cine-band__kicker { display: flex; align-items: center; gap: 14px; margin: 0 0 20px; font: 700 12px/1.3 var(--body); letter-spacing: .16em; text-transform: uppercase; color: var(--gold-2); }
.cine-band__kicker span { width: 44px; height: 1px; background: currentColor; }
.cine-band__title { font-size: clamp(36px, 6vw, 84px); font-weight: 400; line-height: 1.02; letter-spacing: -.015em; color: var(--on-ink); max-width: 16ch; }
.cine-band__title em { display: block; margin-top: .18em; font-size: .52em; line-height: 1.2; color: var(--gold-2); max-width: 26ch; }

/* ---------- doubling lanes (coins stack in on reveal) ---------- */
.lanes { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(14px, 2vw, 22px); align-items: stretch; }
.lane { display: flex; flex-direction: column; gap: 22px; padding: clamp(22px, 2.6vw, 32px); border-radius: var(--r-lg); background: var(--card); border: 1px solid var(--line); position: relative; overflow: hidden; }
.lane__stack { height: 290px; display: flex; flex-direction: column-reverse; align-items: center; padding-bottom: 10px; border-bottom: 1px dashed var(--line-2); perspective: 600px; }
.coin { position: relative; display: block; flex: none; width: 104px; height: 20px; margin-top: -4px; border-radius: 50%; background: radial-gradient(ellipse 60% 70% at 50% 35%, #FBEBC4, #E2B866 55%, #B7832F 100%); box-shadow: 0 3px 0 #8C621B, 0 6px 8px -2px rgba(11, 27, 51, .25); }
.coin::after { content: ""; position: absolute; inset: 4px 22px; border-radius: 50%; border: 1px solid rgba(140, 98, 27, .35); }
.js .lane .coin { opacity: 0; }
.js .lane.is-in .coin { animation: coinDrop .7s cubic-bezier(.3, 1.3, .5, 1) forwards; animation-delay: calc(.35s + var(--c, 0) * .09s); }
.lane__rate { margin: 0; font: 300 clamp(52px, 5vw, 72px)/.9 var(--display); color: var(--ink); letter-spacing: -.03em; }
.lane__rate small { font-size: .45em; margin-left: 2px; color: var(--gold-deep); }
.lane__name { font-size: 21px; color: var(--ink); margin-top: 2px; }
.lane__note { margin: 4px 0 0; font-size: 13.5px; color: var(--muted); }
.lane__facts { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 18px 0 0; padding-top: 16px; border-top: 1px solid var(--line); }
.lane__facts dt { font-size: 11.5px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.lane__facts dd { margin: 4px 0 0; font: 500 22px/1.1 var(--display); color: var(--ink); }
.lane--c { background: var(--ink); border-color: var(--ink); box-shadow: var(--shadow-lg); }
.lane--c::before { content: ""; position: absolute; inset: 0; background: radial-gradient(70% 50% at 50% 0%, rgba(226, 184, 102, .22), transparent 70%); pointer-events: none; }
.lane--c::after { content: ""; position: absolute; top: 0; bottom: 0; left: -40%; width: 30%; background: linear-gradient(90deg, transparent, rgba(255, 240, 210, .09), transparent); transform: skewX(-18deg); pointer-events: none; }
.lane--c.is-in::after { animation: shine 2.4s var(--ease) 2.2s; }
.lane--c .lane__stack { border-color: var(--ink-line); }
.lane--c .coin { box-shadow: 0 3px 0 #8C621B, 0 0 18px -4px rgba(226, 184, 102, .55); }
.lane--c .lane__rate, .lane--c .lane__name, .lane--c .lane__facts dd { color: var(--on-ink); }
.lane--c .lane__rate small, .lane--c .lane__facts dd { color: var(--gold-2); }
.lane--c .lane__note, .lane--c .lane__facts dt { color: var(--on-ink-2); }
.lane--c .lane__facts { border-color: var(--ink-line); }
.lane--a .coin { filter: saturate(.55) brightness(.97); }

/* ---------- money-flow diagram: travelling pulses ---------- */
.flow__pulse--money { fill: var(--gold); filter: drop-shadow(0 0 5px rgba(200, 150, 62, .9)); }
.flow__pulse--units { fill: var(--sage); filter: drop-shadow(0 0 5px rgba(46, 122, 88, .8)); }

/* ---------- local band photo ---------- */
.local-band__side { display: grid; gap: 22px; }
.local-band__photo { position: relative; margin: 0; aspect-ratio: 16 / 10; border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--shadow-lg); background: var(--ink-2); }
.local-band__photo img { width: 100%; height: 100%; object-fit: cover; }
.local-band__photo figcaption { position: absolute; left: 14px; bottom: 14px; display: inline-flex; align-items: center; gap: 6px; padding: 7px 12px; border-radius: 999px; background: rgba(11, 27, 51, .72); color: var(--on-ink); font-size: 12.5px; font-weight: 700; -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px); }
.local-band__photo figcaption .i { width: 14px; height: 14px; color: var(--gold-2); }

@media (max-width: 980px) {
  .reel__head { grid-template-columns: 1fr; align-items: start; }
  .lanes { grid-template-columns: 1fr; }
  .lane { flex-direction: row; align-items: flex-end; }
  .lane__stack { height: auto; min-height: 150px; width: 120px; flex: none; border-bottom: 0; padding-bottom: 0; }
  .lane .coin { width: 84px; height: 16px; margin-top: -5px; }
  .lane__body { flex: 1; }
}
@media (max-width: 680px) {
  .goal { width: 84vw; }
  .lane { flex-direction: column; align-items: stretch; }
  .lane__stack { width: auto; min-height: 0; }
  .lane .coin { width: 72px; height: 14px; margin-top: -5px; }
  .cine-band { min-height: 460px; }
  .hero__bars i { height: 7vh; }
}
@media (prefers-reduced-motion: reduce) {
  .kenburns, .phero__photo { animation: none !important; }
  .hero__bars, .hero__flare, .flow__pulses { display: none; }
  .hero__in, .cine-band__img { transform: none; opacity: 1; }
  .js .cine { clip-path: none; } .js .cine img { transform: none; }
  .js .lane .coin { opacity: 1; }
  .js .goal .gbar__t b { transform: none; }
}
@media print { .hero__bars, .hero__flare, .reel__ghost { display: none !important; } }

/* ==========================================================================
   MOTION SYSTEM + PATTERNS — site-wide scroll choreography, hover light, texture
   ========================================================================== */
/* reveal variants (see site.js "automatic scroll choreography") */
.js .reveal--zoom { translate: 0 36px; scale: .94; }
.js .reveal--fade { translate: none; }
.js .reveal--item { translate: -14px 0; }
.js .reveal--words { opacity: 1; translate: none; }
/* headings rise word by word from behind a mask */
.wm { display: inline-block; overflow: hidden; vertical-align: top; padding: 0 .08em .14em; margin: 0 -.08em -.14em; }
.js .wm__i { display: inline-block; transform: translateY(108%); transition: transform 1.05s var(--ease-out); transition-delay: calc(var(--d, 0s) + var(--i, 0) * 38ms + 60ms); }
.is-in .wm__i, .is-in.wm__i { transform: none; }
/* content images unveil with an upward wipe */
.js .reveal-img { opacity: 0; clip-path: inset(16% 0 0 0); transition: opacity 1s var(--ease-out), clip-path 1.4s var(--ease-out); }
.js .reveal-img.is-in { opacity: 1; clip-path: inset(0 0 0 0); }

/* page progress line */
.scroll-prog { position: fixed; left: 0; top: 0; z-index: 95; width: 100%; height: 3px; pointer-events: none; transform-origin: 0 50%; transform: scaleX(var(--sp, 0)); background: linear-gradient(90deg, var(--gold-deep), var(--gold) 40%, #F3D9A0); box-shadow: 0 0 10px rgba(200, 150, 62, .55); }

/* cursor spotlight on cards (position written by site.js; invisible until hovered) */
.pcard, .value, .lane:not(.lane--c), .post-card { background: radial-gradient(420px circle at var(--mx, 50%) var(--my, -60%), rgba(200, 150, 62, .11), transparent 60%), var(--card); }
.tool:not(.tool--feature) { background: radial-gradient(360px circle at var(--mx, 50%) var(--my, -60%), rgba(226, 184, 102, .12), transparent 60%), rgba(255, 255, 255, .035); }
.goal:not(.goal--cta) { background: radial-gradient(420px circle at var(--mx, 50%) var(--my, -60%), rgba(226, 184, 102, .12), transparent 60%), linear-gradient(180deg, #15294A, #0F213D); }
.value, .lane { transition: transform .6s var(--ease-out), box-shadow .5s var(--ease-out), border-color .3s; }
.value:hover, .lane:not(.lane--c):hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); border-color: var(--line-2); }
.value__ico { transition: transform .6s var(--ease-out), background-color .3s, color .3s; }
.value:hover .value__ico { transform: rotate(-8deg) scale(1.08); background: var(--ink); color: var(--gold-2); }
.btn--primary:hover, .btn--ghost:hover, .btn--line:hover { transform: translateY(-2px); }

/* ---------- patterns ---------- */
/* top bar: gold dot grid fading out towards the edges */
.topbar { position: relative; isolation: isolate; }
.topbar::before { content: ""; position: absolute; inset: 0; z-index: -1; pointer-events: none; background-image: radial-gradient(rgba(226, 184, 102, .34) 1px, transparent 1.3px); background-size: 11px 11px; background-position: 0 5px; -webkit-mask-image: linear-gradient(90deg, #000, transparent 30%, transparent 70%, #000); mask-image: linear-gradient(90deg, #000, transparent 30%, transparent 70%, #000); }
/* header: a dotted field behind the actions and a gold hairline once scrolled */
.hdr::before { content: ""; position: absolute; inset: 0; z-index: -1; pointer-events: none; background-image: radial-gradient(rgba(140, 98, 27, .22) 1px, transparent 1.3px); background-size: 14px 14px; -webkit-mask-image: radial-gradient(40% 140% at 100% 50%, #000, transparent 75%), radial-gradient(22% 140% at 0% 50%, #000, transparent 75%); mask-image: radial-gradient(40% 140% at 100% 50%, #000, transparent 75%), radial-gradient(22% 140% at 0% 50%, #000, transparent 75%); opacity: .8; }
.page-home .hdr:not(.is-scrolled)::before { background-image: radial-gradient(rgba(226, 184, 102, .3) 1px, transparent 1.3px); }
.hdr::after { content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 1px; pointer-events: none; background: linear-gradient(90deg, transparent, rgba(200, 150, 62, .6) 30%, rgba(200, 150, 62, .6) 70%, transparent); opacity: 0; transition: opacity .4s; }
.hdr.is-scrolled::after { opacity: 1; }
/* footer: dot grid top right, concentric rings bottom left */
.ftr::before { content: ""; position: absolute; top: 0; right: 0; width: min(760px, 70%); height: 560px; pointer-events: none; background-image: radial-gradient(rgba(226, 184, 102, .26) 1.1px, transparent 1.4px); background-size: 18px 18px; -webkit-mask-image: radial-gradient(70% 70% at 100% 0%, #000, transparent 72%); mask-image: radial-gradient(70% 70% at 100% 0%, #000, transparent 72%); }
.ftr::after { content: ""; position: absolute; left: -220px; bottom: -260px; width: 640px; height: 640px; pointer-events: none; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 600 600' fill='none' stroke='%23E2B866' stroke-opacity='.14'%3E%3Ccircle cx='300' cy='300' r='60'/%3E%3Ccircle cx='300' cy='300' r='110'/%3E%3Ccircle cx='300' cy='300' r='160'/%3E%3Ccircle cx='300' cy='300' r='210'/%3E%3Ccircle cx='300' cy='300' r='255'/%3E%3Ccircle cx='300' cy='300' r='298'/%3E%3C/svg%3E") center / contain no-repeat; animation: spin 140s linear infinite; }
.ftr > * { position: relative; z-index: 1; }
/* paper sections: a soft dot cluster in the top-right corner */
.sec--paper { isolation: isolate; }
.sec--paper::after { content: ""; position: absolute; top: 0; right: 0; z-index: -1; width: min(560px, 55%); height: 440px; pointer-events: none; background-image: radial-gradient(rgba(140, 98, 27, .2) 1.1px, transparent 1.4px); background-size: 18px 18px; -webkit-mask-image: radial-gradient(75% 75% at 100% 0%, #000, transparent 70%); mask-image: radial-gradient(75% 75% at 100% 0%, #000, transparent 70%); }
/* dark sections: dotted field bottom left */
.sec--ink { isolation: isolate; }
.sec--ink::after { content: ""; position: absolute; left: 0; bottom: 0; z-index: -1; width: min(620px, 60%); height: 460px; pointer-events: none; background-image: radial-gradient(rgba(226, 184, 102, .22) 1.1px, transparent 1.4px); background-size: 18px 18px; -webkit-mask-image: radial-gradient(75% 75% at 0% 100%, #000, transparent 70%); mask-image: radial-gradient(75% 75% at 0% 100%, #000, transparent 70%); }
.reel::after { content: ""; position: absolute; top: 0; right: 0; z-index: -1; width: min(620px, 55%); height: 420px; pointer-events: none; background-image: radial-gradient(rgba(226, 184, 102, .2) 1.1px, transparent 1.4px); background-size: 18px 18px; -webkit-mask-image: radial-gradient(75% 75% at 100% 0%, #000, transparent 70%); mask-image: radial-gradient(75% 75% at 100% 0%, #000, transparent 70%); }
@keyframes spin { to { transform: rotate(360deg); } }

@media (prefers-reduced-motion: reduce) {
  .js .wm__i { transform: none; }
  .js .reveal-img { opacity: 1; clip-path: none; }
  .scroll-prog { display: none; }
  .ftr::after { animation: none; }
}
@media print { .scroll-prog, .ftr::before, .ftr::after { display: none !important; } }