/* =============================================================================
   Aurum Title: design system
   Light, quiet, premium. Ivory paper, deep ink, one gold accent. Fraunces for
   display, Inter for reading. Hairlines over boxes.
   ============================================================================= */
@font-face { font-family: "Fraunces"; src: url("/fonts/fraunces-latin.woff2") format("woff2"); font-weight: 300 600; font-style: normal; font-display: swap; }
@font-face { font-family: "Cormorant Garamond"; src: url("/fonts/cormorant-latin.woff2") format("woff2"); font-weight: 300 700; font-style: normal; font-display: swap; }
@font-face { font-family: "Cormorant Garamond"; src: url("/fonts/cormorant-italic-latin.woff2") format("woff2"); font-weight: 300 700; font-style: italic; font-display: swap; }
@font-face { font-family: "Manrope"; src: url("/fonts/manrope-latin.woff2") format("woff2"); font-weight: 200 800; font-style: normal; font-display: swap; }
@font-face { font-family: "Inter"; src: url("/fonts/inter-latin.woff2") format("woff2"); font-weight: 400 700; font-style: normal; font-display: swap; }

:root {
  --ink: #0e1a2b;
  --ink-2: #2a3547;
  --muted: #5d6573;
  --faint: #8a8f99;
  --line: #e7e2d7;
  --line-2: #d8d0bf;
  --bg: #ffffff;
  --paper: #f7f4ee;
  --paper-2: #fbfaf6;
  --gold: #b38a45;
  --gold-btn: #c9a55f;
  --gold-btn-h: #bb954c;
  --gold-text: #87652a;
  --gold-soft: #f3ebdc;
  --navy: #0f1d31;
  --navy-2: #172a46;
  --warn: #9a3a1c;
  --warn-soft: #fbefe8;
  --r: 16px;
  --r-s: 10px;
  --shadow: 0 1px 2px rgba(14, 26, 43, 0.05), 0 10px 30px rgba(14, 26, 43, 0.07);
  --shadow-lg: 0 2px 6px rgba(14, 26, 43, 0.06), 0 24px 60px rgba(14, 26, 43, 0.14);
  --serif: "Manrope", "Inter", system-ui, sans-serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --surface: #ffffff;
  --hdr-bg: rgba(255, 255, 255, 0.94);
  --wrap: 1240px;
  --gut: 24px;
  --hdr: 76px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--hdr) + 16px); }
body { margin: 0; font-family: var(--sans); font-size: 17px; line-height: 1.65; color: var(--ink-2); background: var(--bg); -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; }
img, svg, iframe { display: block; max-width: 100%; }
img { height: auto; }
a { color: var(--ink); text-decoration-color: var(--gold); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--gold-text); }
h1, h2, h3, h4 { font-family: var(--serif); color: var(--ink); font-weight: 450; line-height: 1.15; letter-spacing: -0.012em; margin: 0 0 0.5em; font-variation-settings: "opsz" 72; }
h3 { font-family: var(--sans); font-weight: 650; font-size: 1.05rem; letter-spacing: -0.005em; line-height: 1.35; font-variation-settings: normal; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.2em; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 var(--gut); }
.skip { position: absolute; left: -9999px; top: 8px; background: var(--ink); color: #fff; padding: 10px 14px; border-radius: 8px; z-index: 100; }
.skip:focus { left: 8px; }
.small { font-size: 0.875rem; color: var(--muted); }
.nw { white-space: nowrap; }
.mt { margin-top: 48px; }
mark.tbc { background: #fff3c4; color: #5b4300; padding: 1px 6px; border-radius: 4px; font-size: 0.85em; box-decoration-break: clone; -webkit-box-decoration-break: clone; }
.stagebar { background: #1e2a3b; color: #e9dfc8; font-size: 12.5px; text-align: center; padding: 6px 12px; letter-spacing: 0.01em; }

/* ---------- type helpers ---------- */
.eyebrow { font-family: var(--sans); font-size: 0.78rem; font-weight: 650; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-text); margin: 0 0 14px; display: flex; align-items: center; gap: 10px; }
.eyebrow::before { content: ""; width: 26px; height: 1px; background: var(--gold); }
.eyebrow--ico::before { display: none; }
.eyebrow--ico svg { color: var(--gold); }
.eyebrow a { color: inherit; text-decoration: none; }
.h2 { font-size: clamp(1.9rem, 1.3rem + 2vw, 2.75rem); }
.h3 { font-size: 1.5rem; font-family: var(--serif); font-weight: 450; }
.more { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; font-size: 0.95rem; color: var(--ink); text-decoration: none; border-bottom: 1px solid var(--gold); padding-bottom: 2px; }
.more svg { color: var(--gold); transition: transform 0.2s; }
.more:hover svg { transform: translateX(3px); }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 0 22px; border-radius: 999px; font-family: var(--sans); font-weight: 600; font-size: 0.97rem; letter-spacing: -0.005em; text-decoration: none; border: 1px solid transparent; cursor: pointer; transition: background 0.2s, border-color 0.2s, color 0.2s, box-shadow 0.2s, transform 0.2s; white-space: nowrap; }
.btn svg { flex: none; }
.btn--gold { background: var(--gold-btn); color: var(--ink); box-shadow: 0 1px 0 rgba(255, 255, 255, 0.35) inset, 0 6px 16px rgba(179, 138, 69, 0.28); }
.btn--gold:hover { background: var(--gold-btn-h); color: var(--ink); transform: translateY(-1px); }
.btn--line { background: var(--surface); color: var(--ink); border-color: var(--line-2); }
.btn--line:hover { border-color: var(--ink); color: var(--ink); }
.btn--line svg { color: var(--gold); }
.btn--ghost-light { background: transparent; color: #fff; border-color: rgba(255, 255, 255, 0.35); }
.btn--ghost-light:hover { border-color: #fff; color: #fff; }
.btn--sm { min-height: 42px; padding: 0 18px; font-size: 0.92rem; }
.btn--lg { min-height: 54px; padding: 0 26px; font-size: 1rem; }
.btn--block { width: 100%; }

/* ---------- utility bar + header ---------- */
.util { background: var(--paper); border-bottom: 1px solid var(--line); font-size: 13px; color: var(--muted); }
.util__in { display: flex; gap: 28px; align-items: center; min-height: 38px; }
.util__item { display: inline-flex; align-items: center; gap: 8px; }
.util__item svg { color: var(--gold); }
.util__mail { margin-left: auto; color: var(--muted); text-decoration: none; }
.util__mail:hover { color: var(--ink); }
.hdr { position: sticky; top: 0; z-index: 40; background: var(--hdr-bg); backdrop-filter: saturate(1.4) blur(10px); -webkit-backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line); transition: box-shadow 0.2s; }
.hdr.is-scrolled { box-shadow: 0 6px 24px rgba(14, 26, 43, 0.06); }
.hdr__in { display: flex; align-items: center; gap: 28px; height: var(--hdr); }
.hdr__brand { text-decoration: none; flex: none; }
.logo { display: inline-flex; align-items: center; gap: 12px; color: var(--ink); }
.logo__mark { width: 40px; height: 40px; color: var(--gold); }
.logo__word { display: flex; flex-direction: column; line-height: 1; }
.logo__name { font-family: var(--serif); font-size: 1.55rem; font-weight: 500; letter-spacing: 0.06em; text-transform: uppercase; font-variation-settings: "opsz" 144; }
.logo__sub { font-family: var(--sans); font-size: 0.66rem; font-weight: 600; letter-spacing: 0.42em; text-transform: uppercase; color: var(--gold-text); margin-top: 5px; padding-left: 2px; }
.logo--light { color: #fff; }
.logo--light .logo__mark { color: var(--gold-btn); }
.logo--light .logo__sub { color: var(--gold-btn); }
.nav { margin-left: auto; }
.nav__list { list-style: none; display: flex; gap: 4px; margin: 0; padding: 0; align-items: center; }
.nav__link { display: inline-flex; align-items: center; gap: 6px; padding: 10px 12px; border-radius: 8px; font-size: 0.95rem; font-weight: 550; color: var(--ink); text-decoration: none; background: none; border: 0; cursor: pointer; white-space: nowrap; }
.nav__link:hover, .nav__link[aria-current] { color: var(--gold-text); }
.nav__btn svg { transition: transform 0.2s; color: var(--gold); }
.nav__btn[aria-expanded="true"] svg { transform: rotate(180deg); }
.hdr__actions { display: flex; align-items: center; gap: 16px; }
.hdr__tel { display: inline-flex; align-items: center; gap: 8px; font-weight: 650; font-size: 0.95rem; color: var(--ink); text-decoration: none; white-space: nowrap; }
.hdr__tel svg { color: var(--gold); }

/* mega menu */
.nav__item--mega { position: static; }
.mega { position: absolute; left: 0; right: 0; top: 100%; background: var(--surface); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); box-shadow: 0 30px 60px rgba(14, 26, 43, 0.1); opacity: 0; visibility: hidden; transform: translateY(-6px); transition: opacity 0.18s, transform 0.18s, visibility 0.18s; }
.nav__item--mega.is-open .mega { opacity: 1; visibility: visible; transform: none; }
.mega__grid { display: grid; grid-template-columns: 1fr 1fr 320px; gap: 40px; padding-top: 32px; padding-bottom: 36px; }
.mega__head { font-size: 0.75rem; font-weight: 650; letter-spacing: 0.14em; text-transform: uppercase; color: var(--faint); margin: 0 0 10px 12px; }
.mega__link { display: flex; gap: 14px; padding: 12px; border-radius: 12px; text-decoration: none; color: var(--ink); }
.mega__link:hover { background: var(--paper); color: var(--ink); }
.mega__link strong { display: block; font-weight: 650; font-size: 0.97rem; }
.mega__link small { display: block; color: var(--muted); font-size: 0.86rem; line-height: 1.45; margin-top: 2px; }
.mega__ico { flex: none; width: 44px; height: 44px; border-radius: 12px; background: var(--gold-soft); color: var(--gold-text); display: grid; place-items: center; }
.mega__aside { background: var(--paper); border-radius: var(--r); padding: 24px; align-self: start; }
.mega__aside .mega__head { margin-left: 0; }
.mega__p { font-size: 0.93rem; color: var(--muted); }
.mega__tel { display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 14px; font-weight: 650; color: var(--ink); text-decoration: none; }
.mega__tel svg { color: var(--gold); }

/* burger + mobile nav */
.burger { display: none; width: 46px; height: 46px; border: 1px solid var(--line-2); border-radius: 12px; background: var(--surface); cursor: pointer; padding: 0; position: relative; }
.burger span { position: absolute; left: 13px; right: 13px; height: 1.6px; background: var(--ink); transition: transform 0.2s, opacity 0.2s; }
.burger span:nth-child(1) { top: 16px; }
.burger span:nth-child(2) { top: 22px; }
.burger span:nth-child(3) { top: 28px; }
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }
.mnav { display: none; }

/* ---------- sections ---------- */
.sec { padding: 104px 0; }
.sec--tight { padding: 56px 0; }
.sec--paper { background: var(--paper); }
.sec--line { border-top: 1px solid var(--line); }
.sec__head { max-width: 760px; margin-bottom: 48px; }
.sec__head--center { margin-left: auto; margin-right: auto; text-align: center; }
.sec__head--center .eyebrow { justify-content: center; }
.sec__head--split { max-width: none; display: flex; justify-content: space-between; align-items: flex-end; gap: 32px; }
.sec__head--split > div { max-width: 720px; }
.sec__head .h2 { margin-bottom: 14px; }
.sec__lead { font-size: 1.1rem; color: var(--muted); margin: 0; }

/* ---------- home hero ---------- */
.hero { background: linear-gradient(180deg, var(--paper-2) 0%, var(--surface) 100%); padding: 64px 0 56px; overflow: hidden; }
.hero__grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr); gap: 64px; align-items: center; }
.hero__h { font-size: clamp(2.5rem, 1.4rem + 3.2vw, 3.95rem); line-height: 1.06; letter-spacing: -0.01em; font-weight: 400; margin-bottom: 22px; font-variation-settings: "opsz" 144; }
.hero__lead { font-size: 1.2rem; line-height: 1.6; color: var(--ink-2); max-width: 590px; margin-bottom: 32px; }
.hero__ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 40px; }
.hero__proof { list-style: none; padding: 26px 0 0; margin: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; border-top: 1px solid var(--line); justify-content: start; }
.hero__proof li { display: flex; gap: 12px; align-items: flex-start; font-size: 0.88rem; color: var(--muted); line-height: 1.4; }
.hero__proof li > svg { color: var(--gold); flex: none; margin-top: 1px; }
.hero__proof strong { display: block; color: var(--ink); font-weight: 650; font-size: 0.95rem; margin-bottom: 2px; }
.hero__proof a { color: var(--muted); }
.hero__proof .star { fill: var(--gold); stroke: var(--gold); }
.hero__media { position: relative; }
.hero__frame { border-radius: 24px; overflow: hidden; aspect-ratio: 4 / 4.4; box-shadow: var(--shadow-lg); }
.hero__frame img { width: 100%; height: 100%; object-fit: cover; }
.hero__card { position: absolute; left: -36px; bottom: 36px; background: var(--surface); border-radius: 16px; padding: 18px 22px; box-shadow: var(--shadow-lg); max-width: 340px; border-top: 3px solid var(--gold); }
.hero__card-k { font-size: 0.72rem; font-weight: 650; letter-spacing: 0.14em; text-transform: uppercase; color: var(--faint); margin: 0 0 6px; }
.hero__card-v { font-family: var(--serif); font-size: 1.12rem; color: var(--ink); margin: 0; line-height: 1.35; }
.hero__card-v span { color: var(--gold); margin: 0 8px; }

/* ---------- deal grid ---------- */
.deals { display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--line); border-left: 1px solid var(--line); }
.deal { position: relative; display: flex; flex-direction: column; gap: 8px; padding: 32px 30px 30px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); text-decoration: none; color: var(--ink); background: var(--surface); transition: background 0.2s; min-height: 210px; }
.deal:hover { background: var(--paper-2); color: var(--ink); }
.deal__ico { width: 54px; height: 54px; border-radius: 14px; background: var(--gold-soft); color: var(--gold-text); display: grid; place-items: center; margin-bottom: 10px; transition: background 0.2s, color 0.2s; }
.deal:hover .deal__ico { background: var(--ink); color: var(--gold-btn); }
.deal__t { font-family: var(--serif); font-size: 1.42rem; font-weight: 450; letter-spacing: -0.01em; }
.deal__p { color: var(--muted); font-size: 0.95rem; line-height: 1.5; padding-right: 26px; }
.deal__go { position: absolute; right: 26px; bottom: 28px; color: var(--gold); transition: transform 0.2s; }
.deal:hover .deal__go { transform: translateX(4px); }
.deal--alt { background: var(--navy); color: #fff; grid-column: 1 / -1; min-height: 0; flex-direction: row; align-items: center; gap: 22px; padding: 26px 30px; }
.deal--alt:hover { background: var(--navy-2); color: #fff; }
.deal--alt .deal__ico { margin: 0; background: rgba(255,255,255,.08); color: var(--gold-btn); flex: none; }
.deal--alt .deal__p { color: #b9c2cf; padding-right: 40px; }
.deal--alt .deal__go { top: 50%; bottom: auto; transform: translateY(-50%); color: var(--gold-btn); }
.deal--alt:hover .deal__go { transform: translate(4px, -50%); }
.deal--alt:hover .deal__ico { background: rgba(255,255,255,.12); color: var(--gold-btn); }

/* ---------- why ---------- */
.why { display: grid; grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr); gap: 80px; align-items: center; }
.why__media { position: relative; }
.why__media > img { border-radius: 22px; aspect-ratio: 4 / 5; object-fit: cover; width: 100%; box-shadow: var(--shadow); }
.why__badge { position: absolute; right: -28px; bottom: -28px; display: flex; gap: 14px; align-items: flex-start; background: var(--navy); color: #d9dee7; border-radius: 16px; padding: 20px 22px; max-width: 330px; font-size: 0.92rem; line-height: 1.5; box-shadow: var(--shadow-lg); }
.why__badge p { margin: 0; }
.why__badge strong { color: #fff; }
.why__mark { width: 34px; height: 34px; flex: none; color: var(--gold-btn); }
.why__list { list-style: none; padding: 0; margin: 8px 0 32px; }
.why__list li { display: flex; gap: 20px; padding: 22px 0; border-top: 1px solid var(--line-2); }
.why__list li:last-child { border-bottom: 1px solid var(--line-2); }
.why__list h3 { margin: 2px 0 6px; font-size: 1.08rem; }
.why__list p { margin: 0; color: var(--muted); font-size: 0.98rem; }
.why__ico { flex: none; width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--line-2); display: grid; place-items: center; color: var(--gold-text); background: var(--surface); }
.why__ctas { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; }

/* ---------- steps ---------- */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; position: relative; counter-reset: s; }
.steps.steps--5 { grid-template-columns: repeat(5, 1fr); gap: 24px; }
.steps.steps--3 { grid-template-columns: repeat(3, 1fr); }
.steps::before { content: ""; position: absolute; top: 27px; left: 28px; right: 28px; height: 1px; background: linear-gradient(90deg, var(--gold) 0%, var(--line-2) 100%); }
.steps li { position: relative; }
.steps__n { position: relative; z-index: 1; display: grid; place-items: center; width: 56px; height: 56px; border-radius: 50%; background: var(--surface); border: 1px solid var(--gold); font-family: var(--serif); font-size: 1.35rem; color: var(--gold-text); margin-bottom: 20px; }
.sec--paper .steps__n { background: var(--paper); }
.steps h3 { font-size: 1.1rem; margin-bottom: 8px; }
.steps p { color: var(--muted); font-size: 0.96rem; margin: 0; }
.steps__cta { text-align: center; margin-top: 48px; }

/* ---------- people ---------- */
.people { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; }
.people--4 { grid-template-columns: repeat(4, 1fr); }
.people--3 { grid-template-columns: repeat(3, 1fr); }
.person { display: flex; flex-direction: column; text-decoration: none; color: var(--ink); background: var(--surface); border-radius: var(--r); overflow: hidden; border: 1px solid var(--line); transition: box-shadow 0.2s, transform 0.2s; }
.person:hover { box-shadow: var(--shadow); transform: translateY(-2px); color: var(--ink); }
.person__pic { display: block; aspect-ratio: 4 / 5; background: linear-gradient(160deg, var(--gold-soft), #efe5d2); overflow: hidden; }
.person__img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 18%; filter: saturate(0.92); }
.person__mono { display: grid; place-items: center; width: 100%; height: 100%; font-family: var(--serif); font-size: 3.2rem; color: var(--gold-text); letter-spacing: 0.04em; background: radial-gradient(circle at 50% 38%, #fff 0, #f6efe2 45%, #ecdfc6 100%); }
.person__mono--lg { font-size: 6rem; border-radius: 22px; aspect-ratio: 4 / 5; }
.person__body { padding: 16px 18px 18px; display: block; }
.person__name { display: block; font-family: var(--serif); font-size: 1.18rem; font-weight: 450; }
.person__role { display: block; font-size: 0.82rem; color: var(--muted); margin-top: 3px; letter-spacing: 0.01em; }
.person--compact .person__pic { aspect-ratio: 1 / 1; }

/* ---------- tools ---------- */
.tools { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.tool { display: flex; align-items: center; gap: 22px; padding: 30px; border: 1px solid var(--line); border-radius: var(--r); text-decoration: none; color: var(--ink); background: var(--surface); transition: border-color 0.2s, box-shadow 0.2s; }
.tool:hover { border-color: var(--gold); box-shadow: var(--shadow); color: var(--ink); }
.tool__ico { flex: none; width: 60px; height: 60px; border-radius: 16px; display: grid; place-items: center; background: var(--gold-soft); color: var(--gold-text); }
.tool--warn .tool__ico { background: var(--warn-soft); color: var(--warn); }
.tool__t { display: block; font-family: var(--serif); font-size: 1.3rem; margin-bottom: 4px; }
.tool__p { display: block; color: var(--muted); font-size: 0.95rem; line-height: 1.5; }
.tool__go { margin-left: auto; color: var(--gold); flex: none; }

/* ---------- article cards ---------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.cards--grid { margin-top: 32px; }
.cards__i[hidden] { display: none; }
.acard { display: flex; flex-direction: column; height: 100%; text-decoration: none; color: var(--ink); background: var(--surface); border-radius: var(--r); overflow: hidden; border: 1px solid var(--line); transition: box-shadow 0.2s, transform 0.2s; }
.acard:hover { box-shadow: var(--shadow); transform: translateY(-2px); color: var(--ink); }
.acard__img { display: block; aspect-ratio: 16 / 9; overflow: hidden; background: var(--paper); }
.acard__img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s; }
.acard:hover .acard__img img { transform: scale(1.03); }
.acard__body { display: flex; flex-direction: column; gap: 8px; padding: 22px 24px 24px; flex: 1; }
.acard__cat { font-size: 0.74rem; font-weight: 650; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold-text); }
.acard__t { font-family: var(--serif); font-size: 1.28rem; line-height: 1.25; letter-spacing: -0.01em; }
.acard__p { color: var(--muted); font-size: 0.93rem; line-height: 1.55; }
.acard__meta { margin-top: auto; padding-top: 8px; font-size: 0.82rem; color: var(--faint); }

/* ---------- FAQ ---------- */
.faqwrap { display: grid; grid-template-columns: 340px 1fr; gap: 64px; align-items: start; }
.faqwrap__head { position: sticky; top: calc(var(--hdr) + 24px); }
.faq { border-top: 1px solid var(--line-2); }
.faq__i { border-bottom: 1px solid var(--line-2); }
.faq__i summary { list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 22px 4px; cursor: pointer; font-family: var(--serif); font-size: 1.2rem; color: var(--ink); line-height: 1.35; }
.faq__i summary::-webkit-details-marker { display: none; }
.faq__i summary svg { flex: none; color: var(--gold); transition: transform 0.2s; }
.faq__i[open] summary svg { transform: rotate(180deg); }
.faq__a { padding: 0 48px 22px 4px; color: var(--ink-2); }
.faq__a p:last-child { margin-bottom: 0; }

/* ---------- CTA band ---------- */
.band { background: var(--navy); color: #c9d0db; padding: 72px 0; position: relative; overflow: hidden; }
.band::after { content: ""; position: absolute; right: -120px; top: -160px; width: 520px; height: 520px; border-radius: 50%; background: radial-gradient(circle, rgba(201, 165, 95, 0.16), transparent 65%); pointer-events: none; }
.band__in { display: flex; align-items: center; justify-content: space-between; gap: 40px; position: relative; z-index: 1; }
.band__copy { display: flex; gap: 24px; align-items: flex-start; max-width: 680px; }
.band__mark { width: 56px; height: 56px; color: var(--gold-btn); flex: none; }
.band__t { color: #fff; font-size: clamp(1.7rem, 1.2rem + 1.6vw, 2.4rem); margin-bottom: 10px; }
.band__p { margin: 0; font-size: 1.05rem; }
.band__actions { display: flex; gap: 12px; flex-wrap: wrap; flex: none; }

/* ---------- footer ---------- */
.ftr { background: #0b1626; color: #aab3c2; font-size: 0.95rem; padding-top: 80px; }
.ftr a { color: #d5dbe5; text-decoration: none; }
.ftr a:hover { color: var(--gold-btn); }
.ftr__top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 48px; padding-bottom: 56px; }
.ftr__brand p { margin: 20px 0 22px; max-width: 360px; }
.ftr__contact { display: grid; gap: 12px; }
.ftr__contact a { display: flex; gap: 12px; align-items: flex-start; line-height: 1.45; }
.ftr__contact svg { color: var(--gold-btn); flex: none; margin-top: 2px; }
.ftr__col { display: flex; flex-direction: column; gap: 10px; }
.ftr__head { font-size: 0.74rem; font-weight: 650; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-btn); margin: 0 0 6px; }
.ftr__notice { display: flex; gap: 14px; align-items: flex-start; padding-top: 24px; padding-bottom: 24px; border-top: 1px solid rgba(255, 255, 255, 0.08); font-size: 0.9rem; }
.ftr__notice svg { color: #e9a07d; flex: none; margin-top: 2px; }
.ftr__notice p { margin: 0; }
.ftr__notice strong { color: #fff; }
.ftr__notice a { text-decoration: underline; text-decoration-color: var(--gold-btn); }
.ftr__legal { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px 32px; padding-top: 22px; padding-bottom: 28px; border-top: 1px solid rgba(255, 255, 255, 0.08); font-size: 0.84rem; color: #8590a1; }
.ftr__legal p { margin: 0; }
.ftr__legal a { color: #aab3c2; }
.stick { display: none; }

/* ---------- dialog + forms ---------- */
.dlg { border: 0; padding: 0; border-radius: 22px; width: min(640px, calc(100vw - 24px)); max-height: calc(100vh - 32px); box-shadow: var(--shadow-lg); }
.dlg::backdrop { background: rgba(11, 22, 38, 0.55); backdrop-filter: blur(3px); }
.dlg__panel { padding: 36px 36px 30px; position: relative; }
.dlg__x { position: absolute; right: 16px; top: 16px; width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--line); background: var(--surface); display: grid; place-items: center; cursor: pointer; }
.dlg__t { font-size: 1.9rem; margin-bottom: 8px; }
.dlg__p { color: var(--muted); }
.form__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
.fld { display: block; margin-bottom: 16px; }
.fld--wide { grid-column: 1 / -1; }
.fld > span { display: block; font-size: 0.86rem; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
.fld input, .fld select, .fld textarea { width: 100%; min-height: 50px; padding: 12px 14px; border: 1px solid var(--line-2); border-radius: 12px; background: var(--surface); font-size: 1rem; transition: border-color 0.2s, box-shadow 0.2s; }
.fld textarea { min-height: 116px; resize: vertical; }
.fld input:focus, .fld select:focus, .fld textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201, 165, 95, 0.22); }
.fld.is-bad input, .fld.is-bad select, .fld.is-bad textarea { border-color: var(--warn); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.form__note { display: flex; gap: 8px; align-items: center; font-size: 0.85rem; color: var(--muted); }
.form__note svg { color: var(--gold); flex: none; }
.form__err { color: var(--warn); font-weight: 600; font-size: 0.92rem; min-height: 1px; margin: 0 0 10px; }
.form__actions { display: flex; align-items: center; flex-wrap: wrap; gap: 14px 22px; }
.form__or { font-size: 0.92rem; color: var(--muted); }
.form__ok { background: var(--paper); border-radius: 14px; padding: 22px 24px; margin-top: 8px; }
.form__ok-t { display: flex; gap: 10px; align-items: center; font-family: var(--serif); font-size: 1.3rem; color: var(--ink); margin-bottom: 6px; }
.form__ok-t svg { color: var(--gold); }
.form.is-sent > :not(.form__ok) { display: none; }
.form.is-sent .form__ok { display: block; }
.form__set { border: 0; padding: 0; margin: 0 0 32px; }
.form__set legend { display: flex; align-items: center; gap: 12px; font-family: var(--serif); font-size: 1.45rem; color: var(--ink); margin-bottom: 16px; padding: 0; }
.form__n { display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; border: 1px solid var(--gold); color: var(--gold-text); font-size: 1rem; }
.form__hint { color: var(--muted); font-size: 0.92rem; margin-top: -6px; }
.picks { display: grid; grid-template-columns: repeat(auto-fill, minmax(170px, 1fr)); gap: 10px; margin-bottom: 20px; }
.pick { position: relative; }
.pick input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.pick span { display: flex; align-items: center; min-height: 50px; padding: 10px 14px; border: 1px solid var(--line-2); border-radius: 12px; font-size: 0.93rem; font-weight: 550; background: var(--surface); transition: border-color 0.2s, background 0.2s; }
.pick input:checked + span { border-color: var(--gold); background: var(--gold-soft); box-shadow: 0 0 0 1px var(--gold) inset; }
.pick input:focus-visible + span { outline: 2px solid var(--gold); outline-offset: 2px; }
.wire { display: flex; gap: 14px; align-items: flex-start; background: var(--warn-soft); border-radius: 14px; padding: 16px 18px; margin: 4px 0 20px; font-size: 0.92rem; color: #5a2a17; }
.wire svg { color: var(--warn); flex: none; }
.wire p { margin: 0; }
.formcard { background: var(--surface); border: 1px solid var(--line); border-radius: 22px; padding: 40px; box-shadow: var(--shadow); }

/* ---------- breadcrumbs ---------- */
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 0; margin: 0 0 22px; font-size: 0.85rem; color: var(--faint); }
.crumbs li + li::before { content: "/"; margin-right: 6px; color: var(--line-2); }
.crumbs a { color: var(--muted); text-decoration: none; }
.crumbs a:hover { color: var(--gold-text); }

/* ---------- page hero (service) ---------- */
.phero { background: linear-gradient(180deg, var(--paper-2), var(--surface)); padding: 48px 0 72px; }
.phero__grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr); gap: 56px; align-items: center; }
.phero__h { font-size: clamp(2.2rem, 1.3rem + 2.8vw, 3.5rem); line-height: 1.06; letter-spacing: -0.02em; font-weight: 420; font-variation-settings: "opsz" 144; }
.phero__lead { font-size: 1.15rem; max-width: 580px; margin-bottom: 28px; }
.phero__ctas { display: flex; flex-wrap: wrap; gap: 12px; }
.phero__media img { border-radius: 22px; aspect-ratio: 5 / 4; object-fit: cover; width: 100%; box-shadow: var(--shadow-lg); }

.answer { display: grid; grid-template-columns: 1.6fr 1fr; gap: 32px; align-items: stretch; }
.answer__box { background: var(--paper); border-left: 3px solid var(--gold); border-radius: 0 var(--r) var(--r) 0; padding: 26px 30px; }
.answer__k { font-size: 0.74rem; font-weight: 650; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-text); margin: 0 0 8px; }
.answer__v { font-family: var(--serif); font-size: 1.28rem; line-height: 1.45; color: var(--ink); margin: 0; font-variation-settings: "opsz" 24; }
.answer__who { padding: 26px 0; }
.chips { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.chips li { padding: 7px 14px; border: 1px solid var(--line-2); border-radius: 999px; font-size: 0.88rem; color: var(--ink); background: var(--surface); }

.handle { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid var(--line-2); }
.handle li { display: flex; gap: 14px; padding: 26px 26px 26px 0; border-bottom: 1px solid var(--line-2); }
.handle li:nth-child(3n + 2), .handle li:nth-child(3n + 3) { padding-left: 26px; border-left: 1px solid var(--line-2); }
.handle li > svg { color: var(--gold); flex: none; margin-top: 2px; }
.handle h3 { margin: 0 0 4px; font-size: 1.02rem; }
.handle p { margin: 0; color: var(--muted); font-size: 0.95rem; }

/* ---------- prose + layout ---------- */
.layout { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 72px; align-items: start; }
.layout--person { grid-template-columns: minmax(0, 1fr) 380px; }
.layout--form { grid-template-columns: minmax(0, 1fr) 340px; }
.prose { max-width: 760px; font-size: 1.06rem; line-height: 1.75; }
.prose--narrow { margin: 0 auto; }
.prose h2 { font-size: clamp(1.55rem, 1.2rem + 1vw, 2rem); margin: 1.8em 0 0.6em; }
.prose > h2:first-child, .prose > .answer__box + h2 { margin-top: 0; }
.prose h3 { font-size: 1.12rem; margin: 1.5em 0 0.5em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin-bottom: 0.45em; }
.prose li::marker { color: var(--gold); }
.prose a { color: var(--ink); text-decoration: underline; text-decoration-color: var(--gold); }
.prose a:hover { color: var(--gold-text); }
.prose table, .tablewrap table { width: 100%; border-collapse: collapse; font-size: 0.95rem; margin: 1.2em 0 1.6em; }
.prose th, .prose td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
.prose th { font-weight: 650; color: var(--ink); background: var(--paper); font-size: 0.88rem; }
.tablewrap { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.prose strong { color: var(--ink); }
.issues { margin-top: 56px; }
.issue, .prose .issue { list-style: none; padding: 0; margin: 0; border-top: 1px solid var(--line-2); }
.issue li { display: flex; gap: 22px; padding: 22px 0; border-bottom: 1px solid var(--line-2); margin: 0; }
.issue__n { font-family: var(--serif); font-size: 1.4rem; color: var(--gold); flex: none; width: 40px; line-height: 1.2; }
.issue h3 { margin: 0 0 4px; }
.issue p { margin: 0; color: var(--muted); font-size: 0.98rem; }

/* side card */
.side { position: sticky; top: calc(var(--hdr) + 24px); }
.side__card { background: var(--surface); border: 1px solid var(--line); border-top: 3px solid var(--gold); border-radius: var(--r); padding: 28px; box-shadow: var(--shadow); display: grid; gap: 12px; }
.side__eyebrow { display: flex; align-items: center; gap: 10px; font-size: 0.74rem; font-weight: 650; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-text); margin: 0; }
.side__mark { width: 26px; height: 26px; color: var(--gold); }
.side__t { font-family: var(--serif); font-size: 1.5rem; color: var(--ink); margin: 0; line-height: 1.2; }
.side__p { color: var(--muted); font-size: 0.94rem; margin: 0 0 4px; }
.side__tel { display: flex; justify-content: center; align-items: center; gap: 8px; font-weight: 650; color: var(--ink); text-decoration: none; padding: 4px 0; }
.side__tel svg { color: var(--gold); }
.side__facts { list-style: none; padding: 14px 0 0; margin: 4px 0 0; border-top: 1px solid var(--line); display: grid; gap: 10px; font-size: 0.86rem; color: var(--muted); }
.side__facts li { display: flex; gap: 10px; align-items: flex-start; line-height: 1.4; }
.side__facts svg { color: var(--gold); flex: none; }

.whocloses { display: grid; grid-template-columns: 1fr 1.5fr; gap: 64px; align-items: center; }
.whocloses p { color: var(--muted); }
.dealrow { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 4px; }
.dealrow a { display: inline-flex; align-items: center; gap: 8px; padding: 9px 16px; border: 1px solid var(--line-2); border-radius: 999px; text-decoration: none; color: var(--ink); font-size: 0.92rem; font-weight: 550; background: var(--surface); }
.dealrow a:hover { border-color: var(--gold); color: var(--ink); }
.dealrow svg { color: var(--gold); }

/* ---------- article ---------- */
.ahero { background: linear-gradient(180deg, var(--paper-2), var(--surface) 70%); padding: 44px 0 0; }
.ahero__in { max-width: 900px; }
.ahero__h { font-size: clamp(2.1rem, 1.3rem + 2.6vw, 3.3rem); line-height: 1.08; letter-spacing: -0.02em; font-weight: 420; font-variation-settings: "opsz" 144; }
.ahero__lead { font-size: 1.18rem; color: var(--ink-2); max-width: 760px; }
.ahero__meta { display: flex; flex-wrap: wrap; gap: 8px 22px; font-size: 0.88rem; color: var(--muted); margin-bottom: 32px; }
.ahero__meta span { display: inline-flex; align-items: center; gap: 8px; }
.ahero__mark { width: 22px; height: 22px; color: var(--gold); }
.ahero__img img { border-radius: 22px; aspect-ratio: 21 / 9; object-fit: cover; width: 100%; }
.alayout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 72px; padding-top: 56px; padding-bottom: 96px; align-items: start; }
.prose--article { max-width: 740px; }
.answer__box--article { margin-bottom: 28px; }
.answers-q { margin: 0 0 28px; }
.answers-q ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.answers-q li { padding: 10px 14px; border: 1px solid var(--line); border-radius: 10px; font-size: 0.95rem; background: var(--paper-2); color: var(--ink); margin: 0; }
.takeaways { border: 1px solid var(--line); border-radius: var(--r); padding: 24px 26px; margin-bottom: 40px; }
.takeaways ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.takeaways li { display: flex; gap: 12px; margin: 0; font-size: 0.99rem; line-height: 1.55; }
.takeaways svg { color: var(--gold); flex: none; margin-top: 4px; }
.inline-cta { display: flex; justify-content: space-between; align-items: center; gap: 24px; background: var(--navy); color: #c9d0db; border-radius: var(--r); padding: 28px 30px; margin: 40px 0; }
.inline-cta__t { font-family: var(--serif); font-size: 1.35rem; color: #fff; margin: 0 0 4px; }
.inline-cta__p { margin: 0; font-size: 0.95rem; line-height: 1.5; }
.inline-cta__a { display: flex; flex-direction: column; gap: 10px; flex: none; }
.inline-cta .btn--line { background: transparent; color: #fff; border-color: rgba(255, 255, 255, 0.35); }
.inline-cta .btn--line svg { color: var(--gold-btn); }
.prose .inline-cta a { text-decoration: none; }
.prose .faq { margin-top: 8px; }
.prose .faq__i summary { font-size: 1.1rem; }
.author { display: flex; gap: 18px; align-items: flex-start; margin-top: 48px; padding: 24px; background: var(--paper); border-radius: var(--r); font-size: 0.93rem; line-height: 1.6; }
.author p { margin: 0; }
.author__t { font-weight: 650; color: var(--ink); margin-bottom: 4px !important; }
.author__mark .mark { width: 40px; height: 40px; color: var(--gold); }
.svc-chips { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; margin-top: 28px; }
.svc-chips .answer__k { width: 100%; margin: 0; }
.prose .svc-chip, .svc-chip { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; border: 1px solid var(--line-2); text-decoration: none; color: var(--ink); font-size: 0.9rem; font-weight: 550; }
.svc-chip svg { color: var(--gold); }
.aside { position: sticky; top: calc(var(--hdr) + 24px); display: grid; gap: 24px; }
.aside .side { position: static; }
.toc { border-left: 1px solid var(--line-2); padding-left: 18px; }
.toc__t { font-size: 0.74rem; font-weight: 650; letter-spacing: 0.14em; text-transform: uppercase; color: var(--faint); margin-bottom: 10px; }
.toc ol { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; font-size: 0.88rem; line-height: 1.4; }
.toc a { color: var(--muted); text-decoration: none; }
.toc a:hover, .toc a.is-on { color: var(--ink); }
.toc a.is-on { font-weight: 600; }

/* ---------- simple hero ---------- */
.shero { background: linear-gradient(180deg, var(--paper-2), var(--surface)); padding: 48px 0 40px; border-bottom: 1px solid var(--line); }
.shero__in { max-width: 900px; }
.shero__h { font-size: clamp(2.2rem, 1.3rem + 2.6vw, 3.4rem); line-height: 1.07; letter-spacing: -0.02em; font-weight: 420; font-variation-settings: "opsz" 144; }
.shero__lead { font-size: 1.15rem; max-width: 720px; }
.shero--404 { border: 0; padding: 96px 0; }
.search { display: flex; align-items: center; gap: 12px; max-width: 620px; margin-top: 24px; padding: 0 18px; min-height: 56px; border: 1px solid var(--line-2); border-radius: 999px; background: var(--surface); box-shadow: var(--shadow); }
.search svg { color: var(--gold); flex: none; }
.search input { border: 0; outline: none; flex: 1; min-width: 0; font-size: 1rem; background: transparent; min-height: 54px; }
.filter { display: flex; flex-wrap: wrap; gap: 8px; }
.filter__b { padding: 9px 16px; border-radius: 999px; border: 1px solid var(--line-2); background: var(--surface); font-size: 0.9rem; font-weight: 550; cursor: pointer; color: var(--ink); }
.filter__b span { color: var(--faint); font-weight: 500; margin-left: 4px; }
.filter__b.is-on { background: var(--ink); border-color: var(--ink); color: #fff; }
.filter__b.is-on span { color: var(--gold-btn); }
.empty { margin-top: 32px; color: var(--muted); }

/* team + person */
.split { display: grid; grid-template-columns: 1.3fr 1fr; gap: 64px; align-items: start; }
.factlist { list-style: none; padding: 0; margin: 0; display: grid; gap: 0; border-top: 1px solid var(--line-2); }
.factlist li { display: flex; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--line-2); }
.factlist svg { color: var(--gold); flex: none; margin-top: 2px; }
.factlist strong { display: block; color: var(--ink); }
.factlist span, .factlist a { color: var(--muted); }
.pro { background: linear-gradient(180deg, var(--paper-2), var(--surface)); padding: 48px 0 64px; }
.pro__grid { display: grid; grid-template-columns: 400px 1fr; gap: 64px; align-items: center; }
.pro__pic img, .pro__pic .person__mono { border-radius: 22px; width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: 50% 18%; box-shadow: var(--shadow-lg); }
.pro__h { font-size: clamp(2.3rem, 1.4rem + 2.6vw, 3.4rem); font-weight: 420; letter-spacing: -0.02em; font-variation-settings: "opsz" 144; }
.pro__lead { font-size: 1.15rem; }
.pcontact { list-style: none; padding: 0; margin: 0 0 26px; display: flex; flex-wrap: wrap; gap: 10px 26px; }
.pcontact li { display: flex; align-items: center; gap: 8px; }
.pcontact svg { color: var(--gold); }
.pcontact a { font-weight: 600; text-decoration: none; }
.pro__ctas { display: flex; flex-wrap: wrap; gap: 12px; }
.creds { background: var(--paper); border-radius: var(--r); padding: 28px; position: sticky; top: calc(var(--hdr) + 24px); }
.creds__t { font-family: var(--serif); font-size: 1.35rem; color: var(--ink); margin-bottom: 14px; }
.creds ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.creds li { display: flex; gap: 10px; font-size: 0.95rem; line-height: 1.45; }
.creds svg { color: var(--gold); flex: none; margin-top: 3px; }
.creds__src { font-size: 0.82rem; color: var(--faint); margin: 18px 0 0; }
.creds__src a { color: var(--muted); }

/* underwriters */
.uw { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.uw__i { border: 1px solid var(--line); border-radius: var(--r); padding: 28px; background: var(--surface); }
.uw__i svg { color: var(--gold); margin-bottom: 14px; }
.uw__n { font-family: var(--serif); font-size: 1.45rem; color: var(--ink); margin: 0 0 2px; }
.uw__p { color: var(--muted); margin: 0; font-size: 0.92rem; }

.mini-steps { list-style: none; counter-reset: m; padding: 0; margin: 4px 0 8px; display: grid; gap: 14px; }
.mini-steps li { counter-increment: m; position: relative; padding-left: 40px; font-size: 0.92rem; color: var(--muted); line-height: 1.5; }
.mini-steps li::before { content: counter(m); position: absolute; left: 0; top: 0; width: 26px; height: 26px; border-radius: 50%; border: 1px solid var(--gold); color: var(--gold-text); display: grid; place-items: center; font-size: 0.8rem; font-weight: 650; }
.mini-steps strong { display: block; color: var(--ink); }

/* calculator */
.calc { display: grid; grid-template-columns: 1.2fr 1fr; gap: 0; border: 1px solid var(--line); border-radius: 24px; overflow: hidden; box-shadow: var(--shadow); background: var(--surface); }
.calc__form { padding: 40px; }
.calc__seg { border: 0; padding: 0; margin: 0 0 22px; display: flex; gap: 8px; flex-wrap: wrap; }
.calc__seg legend { font-size: 0.86rem; font-weight: 600; color: var(--ink); margin-bottom: 8px; padding: 0; }
.calc__seg label { position: relative; }
.calc__seg input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.calc__seg span { display: inline-flex; align-items: center; min-height: 46px; padding: 0 18px; border: 1px solid var(--line-2); border-radius: 999px; font-weight: 550; font-size: 0.95rem; }
.calc__seg input:checked + span { background: var(--ink); color: #fff; border-color: var(--ink); }
.calc__seg input:focus-visible + span { outline: 2px solid var(--gold); outline-offset: 2px; }
.fld > .calc__money, .calc__money { display: flex; margin: 0; align-items: center; border: 1px solid var(--line-2); border-radius: 14px; padding-left: 18px; background: var(--surface); }
.calc__money i { font-style: normal; font-family: var(--serif); font-size: 1.6rem; color: var(--gold-text); }
.fld .calc__money input { border: 0; font-family: var(--serif); font-size: 1.9rem; min-height: 68px; padding-left: 8px; box-shadow: none; }
.calc__money:focus-within { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201, 165, 95, 0.22); }
.calc__note { font-size: 0.88rem; color: var(--muted); margin: 0; }
.calc__out { background: var(--navy); color: #c9d0db; padding: 40px; display: flex; flex-direction: column; }
.calc__k { font-size: 0.74rem; font-weight: 650; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-btn); margin: 0 0 8px; }
.calc__v { font-family: var(--serif); font-size: clamp(2.6rem, 2rem + 2vw, 3.6rem); color: #fff; line-height: 1; margin: 0 0 10px; font-variation-settings: "opsz" 144; }
.calc__sub { font-size: 0.92rem; min-height: 1.4em; }
.calc__ctas { display: grid; gap: 10px; margin-top: auto; padding-top: 18px; }
.calc__ctas .btn--line { background: transparent; color: #fff; border-color: rgba(255, 255, 255, 0.3); }
.calc__fine { font-size: 0.8rem; color: #8d97a8; margin: 14px 0 0; }

/* wire fraud */
.alert { display: flex; gap: 20px; align-items: flex-start; background: var(--warn-soft); border: 1px solid #f0d3c4; border-radius: 20px; padding: 30px 32px; }
.alert > svg { color: var(--warn); flex: none; }
.alert__t { font-family: var(--serif); font-size: 1.5rem; color: var(--ink); margin-bottom: 6px; }

/* contact */
.contact__cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 40px; }
.ccard { display: flex; gap: 14px; align-items: flex-start; padding: 22px; border: 1px solid var(--line); border-radius: var(--r); text-decoration: none; color: var(--muted); background: var(--surface); font-size: 0.93rem; line-height: 1.45; transition: border-color 0.2s, box-shadow 0.2s; }
.ccard:hover { border-color: var(--gold); box-shadow: var(--shadow); color: var(--muted); }
.ccard svg { color: var(--gold); flex: none; }
.ccard strong { display: block; color: var(--ink); font-size: 1rem; margin-bottom: 2px; }
.ccard--gold { background: var(--gold-soft); border-color: #e7d6b4; }
.contact__grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 32px; align-items: stretch; }
.map { border-radius: 22px; overflow: hidden; border: 1px solid var(--line); min-height: 420px; }
.map iframe { width: 100%; height: 100%; min-height: 420px; border: 0; }

/* ---------- real logo, ownership stats, who we work with, testimonial ---------- */
.logo__img { display: block; height: 38px; width: auto; }
.ftr .logo__img { height: 40px; }
.why__media > img.why__img--wide { aspect-ratio: 1080 / 565; }
.quote { padding-bottom: 72px; }
.stats { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--surface); }
.stats__in { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: 30px 28px; border-left: 1px solid var(--line); }
.stat:first-child { border-left: 0; padding-left: 0; }
.stat__v { font-family: var(--serif); font-size: clamp(2rem, 1.5rem + 1.6vw, 2.8rem); line-height: 1; color: var(--gold-text); margin: 0 0 10px; font-variation-settings: "opsz" 144; }
.stat__k { margin: 0; font-size: 0.9rem; line-height: 1.45; color: var(--muted); max-width: 240px; }
.who { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px; }
.who__head { display: flex; align-items: center; gap: 10px; font-size: 0.78rem; font-weight: 650; letter-spacing: 0.14em; text-transform: uppercase; color: var(--gold-text); margin: 0 0 6px; padding-bottom: 14px; border-bottom: 1px solid var(--gold); }
.who__head svg { color: var(--gold); }
.who__col a { display: block; padding: 16px 0; border-bottom: 1px solid var(--line-2); text-decoration: none; color: var(--ink); transition: padding 0.2s; }
.who__col a:hover { padding-left: 6px; color: var(--ink); }
.who__col strong { display: block; font-family: var(--serif); font-weight: 450; font-size: 1.18rem; margin-bottom: 2px; }
.who__col span { display: block; color: var(--muted); font-size: 0.92rem; line-height: 1.5; }
.quote { text-align: center; }
.quote__in { max-width: 900px; }
.quote .eyebrow { justify-content: center; }
.quote__fig { margin: 0; position: relative; }
.quote__mark { display: block; font-family: var(--serif); font-size: 7rem; line-height: 0.6; color: var(--gold); height: 52px; }
.quote__q { margin: 0; }
.quote__q p { font-family: var(--serif); font-size: clamp(1.5rem, 1.1rem + 1.5vw, 2.25rem); line-height: 1.35; color: var(--ink); margin: 0 0 22px; font-variation-settings: "opsz" 72; }
.quote__by { display: flex; justify-content: center; gap: 12px; align-items: baseline; color: var(--muted); font-size: 0.95rem; }
.quote__by strong { color: var(--ink); font-weight: 650; }
.quote__g { display: inline-flex; align-items: center; gap: 8px; margin-top: 26px; padding: 10px 18px; border: 1px solid var(--line-2); border-radius: 999px; color: var(--muted); text-decoration: none; font-size: 0.92rem; }
.quote__g strong { color: var(--ink); }
.quote__g .star { fill: var(--gold); stroke: var(--gold); }

/* ---------- responsive ---------- */
@media (max-width: 1180px) {
  .nav__link { padding: 10px 9px; font-size: 0.92rem; }
  .hdr__tel { display: none; }
  .people { grid-template-columns: repeat(3, 1fr); }
  .ftr__top { grid-template-columns: 1fr 1fr 1fr; }
  .ftr__brand { grid-column: 1 / -1; }
}
@media (max-width: 1100px) {
  .hdr__in { gap: 18px; }
  .nav__link { padding: 10px 7px; font-size: 0.9rem; }
  .logo__mark { width: 36px; height: 36px; }
  .logo__name { font-size: 1.4rem; }
}
/* The full menu fits down to ~1000px (iPad landscape keeps it); below that the burger takes over. */
@media (max-width: 1000px) {
  :root { --hdr: 68px; }
  .nav, .hdr__tel, .util__uw { display: none; }
  /* backdrop-filter makes the header the containing block for the fixed mobile menu: drop it here */
  .hdr { backdrop-filter: none; -webkit-backdrop-filter: none; background: var(--surface); }
  .burger { display: block; }
  .hdr__actions { margin-left: auto; }
  .mnav:not([hidden]) { display: block; position: fixed; left: 0; right: 0; top: var(--mnav-top, var(--hdr)); bottom: 0; background: var(--surface); overflow-y: auto; border-top: 1px solid var(--line); z-index: 39; }
  .mnav__in { padding: 20px var(--gut) 40px; }
  .mnav__head { font-size: 0.74rem; font-weight: 650; letter-spacing: 0.14em; text-transform: uppercase; color: var(--faint); margin: 0 0 10px; }
  .mnav__deals { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-bottom: 18px; }
  .mnav__deals a { display: flex; align-items: center; gap: 10px; min-height: 52px; padding: 8px 12px; border: 1px solid var(--line); border-radius: 12px; text-decoration: none; color: var(--ink); font-weight: 550; font-size: 0.93rem; line-height: 1.25; }
  .mnav__deals svg { color: var(--gold); flex: none; }
  .mnav__links { display: grid; border-top: 1px solid var(--line); margin-bottom: 20px; }
  .mnav__links a { padding: 15px 2px; border-bottom: 1px solid var(--line); text-decoration: none; color: var(--ink); font-family: var(--serif); font-size: 1.2rem; }
  .mnav__ctas { display: grid; gap: 10px; }
  body.nav-open { overflow: hidden; }
}
@media (max-width: 1040px) {
  .hero__grid, .phero__grid, .why, .whocloses, .split, .pro__grid, .contact__grid { grid-template-columns: 1fr; gap: 48px; }
  .hero__media { max-width: 680px; }
  .hero__frame { aspect-ratio: 16 / 9; }
  .phero__media img { aspect-ratio: 16 / 9; }
  .why__media > img { aspect-ratio: 4 / 3; }
  .hero__card { left: 16px; bottom: -28px; }
  .hero { padding-bottom: 80px; }
  .why__media { max-width: 620px; }
  .why__badge { right: 16px; }
  .deals { grid-template-columns: repeat(2, 1fr); }
  .layout, .layout--person, .layout--form, .alayout { grid-template-columns: 1fr; gap: 48px; }
  .side, .aside, .creds { position: static; }
  .aside .toc { display: none; }
  .faqwrap { grid-template-columns: 1fr; gap: 28px; }
  .faqwrap__head { position: static; }
  .cards { grid-template-columns: repeat(2, 1fr); }
  .handle { grid-template-columns: 1fr 1fr; }
  .handle li:nth-child(3n + 2), .handle li:nth-child(3n + 3) { padding-left: 0; border-left: 0; }
  .handle li:nth-child(2n) { padding-left: 22px; border-left: 1px solid var(--line-2); }
  .steps, .steps.steps--5 { grid-template-columns: repeat(2, 1fr); gap: 36px 28px; }
  .steps::before { display: none; }
  .pro__grid { grid-template-columns: 300px 1fr; }
  .contact__cards { grid-template-columns: 1fr 1fr; }
  .calc { grid-template-columns: 1fr; }
  .band__in { flex-direction: column; align-items: flex-start; }
  .answer { grid-template-columns: 1fr; gap: 8px; }
  .answer__who { padding: 0; }
}
@media (max-width: 720px) {
  :root { --gut: 16px; }
  body { font-size: 16.5px; padding-bottom: 68px; }
  .util__item:first-child { display: none; }
  .util__mail { margin-left: 0; }
  .util__in { justify-content: center; min-height: 34px; }
  .logo__mark { width: 34px; height: 34px; }
  .logo__name { font-size: 1.32rem; }
  .logo__sub { font-size: 0.6rem; }
  .hdr__cta { display: none; }
  .sec { padding: 72px 0; }
  .sec--tight { padding: 40px 0; }
  .sec__head { margin-bottom: 32px; }
  .sec__head--split { flex-direction: column; align-items: flex-start; gap: 16px; }
  .hero { padding: 40px 0 72px; }
  .hero__lead { font-size: 1.08rem; }
  .hero__ctas .btn { width: 100%; }
  .hero__proof { grid-template-columns: 1fr; gap: 14px; }
  .hero__card { position: relative; left: auto; bottom: auto; margin: -36px 16px 0; max-width: none; }
  .deals { grid-template-columns: 1fr; }
  .deal { min-height: 0; padding: 24px 22px; }
  .deal--alt { flex-direction: column; align-items: flex-start; gap: 8px; padding: 24px 22px; }
  .deal--alt .deal__ico { margin-bottom: 10px; }
  .deal--alt .deal__go { top: auto; bottom: 28px; transform: none; }
  .deal--alt:hover .deal__go { transform: translateX(4px); }
  .deal--alt .deal__p { padding-right: 26px; }
  .why__badge { position: relative; right: auto; bottom: auto; margin: -40px 16px 0; max-width: none; }
  .steps, .steps.steps--5 { grid-template-columns: 1fr; gap: 26px; }
  .steps li { display: grid; grid-template-columns: 56px 1fr; gap: 0 18px; }
  .steps li .steps__n { grid-row: span 2; margin: 0; }
  .people, .people--4, .people--3 { grid-template-columns: 1fr 1fr; gap: 14px; }
  .person__body { padding: 12px 14px 14px; }
  .person__name { font-size: 1.02rem; }
  .tools { grid-template-columns: 1fr; }
  .tool { padding: 22px; gap: 16px; }
  .tool__go { display: none; }
  .cards { grid-template-columns: 1fr; gap: 20px; }
  .faq__i summary { font-size: 1.08rem; padding: 18px 2px; }
  .faq__a { padding-right: 8px; }
  .band { padding: 56px 0; }
  .band__copy { flex-direction: column; gap: 14px; }
  .band__mark { width: 44px; height: 44px; }
  .band__actions, .band__actions .btn { width: 100%; }
  .ftr { padding-top: 56px; }
  .ftr__top { grid-template-columns: 1fr 1fr; gap: 36px 24px; }
  .ftr__legal { flex-direction: column; }
  .stick { display: grid; grid-template-columns: 1fr 2fr; position: fixed; left: 0; right: 0; bottom: 0; z-index: 30; background: var(--surface); border-top: 1px solid var(--line); padding: 10px 12px calc(10px + env(safe-area-inset-bottom)); gap: 10px; box-shadow: 0 -8px 24px rgba(14, 26, 43, 0.08); }
  .stick a { display: flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; border-radius: 999px; font-weight: 650; text-decoration: none; font-size: 0.97rem; }
  .stick__call { border: 1px solid var(--line-2); color: var(--ink); }
  .stick__call svg { color: var(--gold); }
  .stick__order { background: var(--gold-btn); color: var(--ink); }
  .phero { padding: 32px 0 56px; }
  .phero__ctas .btn, .pro__ctas .btn { width: 100%; }
  .handle { grid-template-columns: 1fr; }
  .handle li, .handle li:nth-child(2n) { padding: 20px 0; border-left: 0; }
  .ahero__img { padding: 0; }
  .ahero__img img { border-radius: 0; aspect-ratio: 16 / 10; }
  .alayout { padding-top: 36px; padding-bottom: 64px; }
  .inline-cta { flex-direction: column; align-items: stretch; padding: 24px; }
  .answer__box { padding: 22px; }
  .answer__v { font-size: 1.15rem; }
  .form__grid { grid-template-columns: 1fr; }
  .formcard { padding: 24px 18px; border-radius: 18px; }
  .dlg__panel { padding: 28px 20px 24px; }
  .dlg__t { font-size: 1.55rem; padding-right: 40px; }
  .form__actions .btn { width: 100%; }
  .picks { grid-template-columns: 1fr 1fr; }
  .pro__grid { grid-template-columns: 1fr; gap: 28px; }
  .pro__pic { max-width: 320px; }
  .contact__cards { grid-template-columns: 1fr; }
  .uw { grid-template-columns: 1fr; }
  .calc__form, .calc__out { padding: 26px 20px; }
  .alert { flex-direction: column; padding: 24px 20px; }
  .alert .btn { width: 100%; }
  .map, .map iframe { min-height: 320px; }
  .prose table { font-size: 0.88rem; }
  .prose th, .prose td { padding: 10px 8px; }
}
/* ---------- mobile polish (2026-10-28 review at 390 / 360 px) ---------- */
@media (max-width: 720px) {
  .sec { padding: 56px 0; }
  .sec--tight { padding: 32px 0; }
  .h2 { font-size: clamp(1.7rem, 1.2rem + 2.4vw, 2.1rem); }
  .eyebrow { font-size: 0.72rem; letter-spacing: 0.12em; }
  .eyebrow::before { width: 18px; }
  .sec__lead { font-size: 1rem; }

  /* hero */
  .hero__h, .phero__h, .ahero__h, .shero__h, .pro__h { font-size: 2.05rem; line-height: 1.1; letter-spacing: -0.012em; }
  .hero__frame { aspect-ratio: 16 / 10; border-radius: 18px; }
  .phero__media img { aspect-ratio: 16 / 10; border-radius: 18px; }

  /* breadcrumbs: one line, the current page shortened */
  .crumbs ol { flex-wrap: nowrap; overflow: hidden; margin-bottom: 16px; align-items: center; }
  .crumbs li { display: flex; align-items: center; }
  .crumbs li + li::before { margin: 0 6px 0 0; }
  .crumbs li { white-space: nowrap; flex: none; }
  .crumbs li[aria-current] { flex: 1 1 auto; min-width: 0; overflow: hidden; text-overflow: ellipsis; }

  /* deal types: compact rows instead of tall cards */
  .deal, .deal--alt { display: grid; grid-template-columns: 44px 1fr 20px; grid-template-areas: "ico t go" "ico p go"; column-gap: 14px; row-gap: 2px; align-items: center; padding: 16px 16px; min-height: 0; flex-direction: initial; }
  .deal__ico, .deal--alt .deal__ico { grid-area: ico; width: 44px; height: 44px; border-radius: 12px; margin: 0; align-self: center; }
  .deal__ico svg { width: 22px; height: 22px; }
  .deal__t { grid-area: t; font-size: 1.12rem; }
  .deal__p, .deal--alt .deal__p { grid-area: p; font-size: 0.86rem; line-height: 1.4; padding: 0; }
  .deal__go, .deal--alt .deal__go { grid-area: go; position: static; transform: none; align-self: center; }
  .deal:hover .deal__go, .deal--alt:hover .deal__go { transform: none; }

  /* why */
  .why { gap: 32px; }
  .why__media > img { aspect-ratio: 4 / 3; border-radius: 18px; }
  .why__list li { gap: 14px; padding: 18px 0; }
  .why__ico { width: 38px; height: 38px; }

  /* people: a swipeable row instead of an uneven grid */
  .people--scroll { display: flex; gap: 12px; overflow-x: auto; scroll-snap-type: x mandatory; margin: 0 calc(-1 * var(--gut)); padding: 2px var(--gut) 10px; scrollbar-width: none; }
  .people--scroll::-webkit-scrollbar { display: none; }
  .people--scroll .person { flex: 0 0 44%; scroll-snap-align: start; }
  .person__mono { font-size: 2.4rem; }

  /* article cards: compact rows (thumbnail + title) */
  .cards { gap: 12px; }
  .acard { display: grid; grid-template-columns: 104px 1fr; border-radius: 14px; }
  .acard__img { aspect-ratio: auto; height: 100%; min-height: 104px; }
  .acard__body { padding: 14px 14px 14px 16px; gap: 4px; }
  .acard__cat { font-size: 0.66rem; letter-spacing: 0.1em; }
  .acard__t { font-size: 1.05rem; line-height: 1.28; }
  .acard__p { display: none; }
  .acard__meta { padding-top: 2px; font-size: 0.78rem; }
  .cards--home .cards__i:nth-child(n + 4), .cards--home > .acard:nth-child(n + 4) { display: none; }

  /* resources filter: one swipeable line */
  .filter { flex-wrap: nowrap; overflow-x: auto; margin: 0 calc(-1 * var(--gut)); padding: 0 var(--gut) 6px; scrollbar-width: none; }
  .filter::-webkit-scrollbar { display: none; }
  .filter__b { flex: none; }
  .cards--grid { margin-top: 20px; }
  .search { min-height: 52px; }

  /* answers and articles */
  .answer__v { font-size: 1.04rem; line-height: 1.5; }
  .answer__box { padding: 18px 18px 18px 20px; }
  .prose { font-size: 1rem; line-height: 1.7; }
  .prose h2 { font-size: 1.45rem; }
  .takeaways { padding: 18px; }
  .author__mark { flex: none; }
  .ahero { padding-top: 28px; }
  .ahero__lead { font-size: 1.04rem; }
  .ahero__meta { margin-bottom: 22px; gap: 4px 16px; }

  /* tools */
  .tool__ico { width: 48px; height: 48px; }
  .tool__t { font-size: 1.12rem; }
  .tool__p { font-size: 0.88rem; }

  /* person page: a portrait, not a poster */
  .pro { padding: 28px 0 40px; }
  .pro__pic { max-width: 220px; }
  .pro__pic img, .pro__pic .person__mono { border-radius: 18px; }
  .person__mono--lg { font-size: 3.6rem; }
  .pcontact { flex-direction: column; gap: 8px; }
  .pro + .sec { padding-top: 8px; }

  /* simple hero + misc */
  .shero { padding: 28px 0 28px; }
  .shero__lead { font-size: 1.02rem; }
  .ccard { padding: 16px; }
  .side__card { padding: 22px; }
  .band__t { font-size: 1.6rem; }
  .faq__i summary { font-size: 1.02rem; gap: 12px; }

  /* footer: shorter */
  .ftr__art { display: none; }
  .ftr__top { padding-bottom: 36px; }
  .ftr__brand p { margin: 16px 0; }
}
@media (max-width: 1040px) {
  .stats__in { 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); }
  .who { grid-template-columns: 1fr; gap: 28px; }
}
@media (max-width: 720px) {
  .logo__img { height: 30px; }
  .stat { padding: 22px 14px; }
  .stat:nth-child(odd) { padding-left: 0; border-left: 0; }
  .stat__v { font-size: 1.9rem; margin-bottom: 6px; }
  .stat__k { font-size: 0.82rem; }
  .who__col a { padding: 14px 0; }
  .who__col strong { font-size: 1.08rem; }
  .quote__mark { font-size: 5rem; height: 36px; }
  .quote__q p { font-size: 1.35rem; }
  .quote__by { flex-direction: column; gap: 2px; align-items: center; }
}
/* touch targets and minimum text size (mobile audit 2026-10-28) */
@media (max-width: 720px) {
  /* the bottom call/order bar slides in once the page's own buttons have scrolled away */
  .stick { transform: translateY(110%); transition: transform 0.25s ease; }
  body.show-stick .stick { transform: none; }
  .page-order .stick { display: none; }
  body { padding-bottom: 0; }
  body.show-stick .ftr { padding-bottom: 72px; }
  /* the question dialog opens as a sheet from the bottom */
  .dlg { width: 100vw; max-width: 100vw; max-height: 92vh; max-height: 92dvh; margin: auto 0 0; border-radius: 22px 22px 0 0; }
  .dlg__panel { padding-bottom: calc(24px + env(safe-area-inset-bottom)); }
  .eyebrow, .answer__k, .ftr__head, .side__eyebrow, .hero__card-k, .calc__k, .toc__t, .mnav__head, .acard__cat, .creds__src { font-size: 12px; }
  .acard__cat { letter-spacing: 0.06em; }
  .logo__sub { font-size: 11.5px; letter-spacing: 0.34em; }
  mark.tbc { font-size: 12.5px; }
  .ftr__col { gap: 0; }
  .ftr__col a { display: block; padding: 9px 0; }
  .ftr__contact { gap: 2px; }
  .ftr__contact a { padding: 9px 0; }
  .ftr__legal a { display: inline-block; padding: 12px 0; }
  .ftr__legal { gap: 0 32px; }
  .util__mail { padding: 12px 0; }
  .form__or a { display: inline-block; padding: 12px 0; }
  .logo__sub { font-size: 12px; }
  .more { min-height: 44px; }
  .side__tel { min-height: 44px; }
  .crumbs a { display: inline-block; padding: 12px 4px; margin: 0 -4px; }
  .crumbs ol { margin-bottom: 6px; }
  .crumbs li { line-height: 1.2; }
  .pcontact a { display: inline-block; padding: 8px 0; }
  .eyebrow a { display: inline-block; padding: 12px 0; margin: -12px 0; }
  .dealrow a, .svc-chip, .chips li, .filter__b { min-height: 44px; }
  .faq__i summary { min-height: 52px; }
  .ccard { min-height: 64px; }
}
@media (max-width: 380px) {
  :root { --gut: 14px; }
  .hero__h, .phero__h, .ahero__h, .shero__h, .pro__h { font-size: 1.85rem; }
  .people--scroll .person { flex-basis: 48%; }
  .picks { grid-template-columns: 1fr; }
  .stick { grid-template-columns: 1fr 1.6fr; }
}
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition: none !important; animation: none !important; scroll-behavior: auto !important; } }
@media print { .util, .hdr, .ftr, .stick, .band, .side, .aside, .inline-cta, .stagebar { display: none !important; } }
/* logo link: a full 44px touch target on phones */
@media (max-width: 720px) { .hdr__brand { display: flex; align-items: center; min-height: 44px; } }
/* calculator: never wider than its column */
.calc { grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); }
.calc__form { min-width: 0; }
@media (max-width: 1040px) { .calc { grid-template-columns: minmax(0, 1fr); } }

/* ---------- design review fixes (2026-10-28) ---------- */
.stat__v, .stat__v * { font-variant-numeric: lining-nums; font-weight: 500; font-variation-settings: "opsz" 36; letter-spacing: -0.015em; }
.hero__card-v b { font-weight: inherit; white-space: nowrap; }
.hero__card { max-width: 400px; }
.faqwrap { grid-template-columns: 380px minmax(0, 1fr); }
.faqwrap__head .h2, .faqwrap__head .nh2 { font-size: clamp(1.9rem, 1.3rem + 1.4vw, 2.5rem); }
.whocloses { grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.4fr); }
.whocloses .h2 { font-size: clamp(1.8rem, 1.3rem + 1.3vw, 2.4rem); }
.whocloses .person--compact .person__name { font-size: 1.08rem; }
@media (max-width: 1040px) { .faqwrap, .whocloses { grid-template-columns: minmax(0, 1fr); } }
.hero__card-v { display: flex; flex-wrap: wrap; column-gap: 0; row-gap: 2px; }
.hero__card-v span { margin: 0 8px; }

/* ============================================================================
   Order wizard + order dialog (2026-10-28): one question at a time
   ============================================================================ */
.wiz__top { margin-bottom: 26px; }
.wiz__bar { list-style: none; margin: 0 0 14px; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 8px; }
.wiz__bar li { display: flex; align-items: center; gap: 10px; font-size: 0.86rem; font-weight: 600; color: var(--faint); min-width: 0; }
.wiz__n { flex: none; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; border: 1px solid var(--line-2); font-size: 0.82rem; font-weight: 650; color: var(--faint); background: var(--surface); transition: background 0.25s, border-color 0.25s, color 0.25s; }
.wiz__l { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.wiz__bar li.is-on { color: var(--ink); }
.wiz__bar li.is-on .wiz__n { border-color: var(--gold); color: var(--gold-text); box-shadow: 0 0 0 4px var(--gold-soft); }
.wiz__bar li.is-done { color: var(--muted); }
.wiz__bar li.is-done .wiz__n { background: var(--gold); border-color: var(--gold); color: #fff; }
.wiz__track { height: 2px; background: var(--line); border-radius: 2px; overflow: hidden; }
.wiz__track span { display: block; height: 100%; width: 25%; background: linear-gradient(90deg, var(--gold), var(--gold-btn)); transition: width 0.4s ease; }
.wiz__count { display: none; margin: 10px 0 0; font-size: 0.8rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold-text); }
.wiz__step { border: 0; padding: 0; margin: 0; min-width: 0; animation: wizIn 0.35s ease; }
.wiz__step[hidden] { display: none; }
@keyframes wizIn { from { opacity: 0; transform: translateX(14px); } to { opacity: 1; transform: none; } }
.wiz__q { font-family: var(--serif); font-size: clamp(1.45rem, 1.2rem + 0.8vw, 1.85rem); line-height: 1.2; color: var(--ink); margin: 0 0 18px; padding: 0; font-weight: 450; }
.wiz__q em { font-style: normal; font-family: var(--sans); font-size: 0.85rem; color: var(--faint); font-weight: 500; margin-left: 6px; }
.wiz__hint { color: var(--muted); font-size: 0.94rem; margin: -8px 0 18px; }
.wiz__step .picks { grid-template-columns: repeat(auto-fill, minmax(160px, 1fr)); margin-bottom: 22px; }
.picks.is-bad .pick span { border-color: var(--warn); }
.wiz__nav { display: flex; align-items: center; gap: 12px; margin-top: 8px; padding-top: 22px; border-top: 1px solid var(--line); }
.wiz__nav [data-wiz="next"], .wiz__nav [type="submit"] { margin-left: auto; min-width: 180px; }
.wiz__nav [data-wiz="back"] svg { color: var(--muted); }
.wiz__tel { order: -1; display: inline-flex; align-items: center; gap: 8px; font-size: 0.9rem; font-weight: 600; color: var(--muted); text-decoration: none; padding: 12px 0; }
.wiz__tel svg { color: var(--gold); }
.wiz__nav [data-wiz="back"]:not([hidden]) ~ .wiz__tel { display: none; }
.wiz__step .wire { margin-top: 6px; }
.form[data-wizard] .form__err { margin: 6px 0 0; }

/* the dialog */
.dlg--order { width: min(1040px, calc(100vw - 40px)); max-width: none; padding: 0; overflow: hidden; border-radius: 22px; }
.dlg--order[open] { animation: dlgIn 0.3s ease; }
@keyframes dlgIn { from { opacity: 0; transform: translateY(12px) scale(0.985); } to { opacity: 1; transform: none; } }
html.dlg-open { overflow: hidden; }
.odlg { display: grid; grid-template-columns: 330px minmax(0, 1fr); min-height: 560px; max-height: calc(100vh - 40px); max-height: calc(100dvh - 40px); }
.odlg__side { position: relative; background: var(--navy); color: #c9d0db; padding: 36px 32px; display: flex; flex-direction: column; gap: 14px; overflow: hidden; }
.odlg__side::after { content: ""; position: absolute; right: -140px; bottom: -140px; width: 360px; height: 360px; border-radius: 50%; background: radial-gradient(circle, rgba(201, 165, 95, 0.22), transparent 65%); pointer-events: none; }
.odlg__side .logo__img { height: 34px; margin-bottom: 18px; }
.odlg__k { font-size: 0.74rem; font-weight: 650; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-btn); margin: 0; }
.odlg__t { font-family: var(--serif); font-size: 1.85rem; line-height: 1.15; color: #fff; margin: 0 0 6px; font-weight: 400; }
.odlg__list { list-style: none; padding: 0; margin: 4px 0 0; display: grid; gap: 12px; font-size: 0.93rem; line-height: 1.45; }
.odlg__list li { display: flex; gap: 10px; }
.odlg__list svg { color: var(--gold-btn); flex: none; margin-top: 2px; }
.odlg__tel { position: relative; z-index: 1; margin-top: auto; display: flex; align-items: center; gap: 12px; padding: 16px 18px; border: 1px solid rgba(255, 255, 255, 0.14); border-radius: 14px; color: #fff; text-decoration: none; font-weight: 650; font-size: 1.05rem; }
.odlg__tel:hover { border-color: var(--gold-btn); color: #fff; }
.odlg__tel svg { color: var(--gold-btn); flex: none; }
.odlg__tel small { display: block; font-size: 0.78rem; font-weight: 500; color: #9aa4b5; margin-bottom: 2px; }
.odlg__main { position: relative; padding: 34px 40px 30px; overflow-y: auto; overscroll-behavior: contain; background: var(--surface); }
.odlg__main .dlg__x { top: 18px; right: 18px; }
.odlg__main .wiz__top { padding-right: 52px; }
.odlg__main .form__ok { margin-top: 40px; }
.page-order .formcard { padding: 36px 40px; }

@media (max-width: 900px) {
  .odlg { grid-template-columns: minmax(0, 1fr); grid-template-rows: auto minmax(0, 1fr); min-height: 0; }
  .odlg__side { padding: 22px 24px 18px; gap: 6px; }
  .odlg__side .logo, .odlg__list, .odlg__tel, .odlg__side::after { display: none; }
  .odlg__t { font-size: 1.4rem; margin: 0; padding-right: 48px; }
  .odlg__main { position: static; }
  .odlg { position: relative; }
  .odlg__main .dlg__x { top: 16px; right: 14px; background: transparent; border-color: rgba(255, 255, 255, 0.25); color: #fff; }
  .odlg__main .wiz__top { padding-right: 0; }
}
@media (max-width: 720px) {
  .dlg--order { width: 100vw; max-width: 100vw; margin: auto 0 0; border-radius: 22px 22px 0 0; max-height: 94vh; max-height: 94dvh; }
  .odlg { max-height: 94vh; max-height: 94dvh; }
  .odlg__side { padding: 18px 20px 14px; }
  .odlg__k { font-size: 12px; }
  .odlg__t { font-size: 1.25rem; }
  .odlg__main { padding: 20px 18px 0; }
  .wiz__bar { display: none; }
  .wiz__count { display: block; }
  .wiz__top { margin-bottom: 18px; }
  .wiz__q { font-size: 1.3rem; }
  .wiz__step .picks { grid-template-columns: 1fr 1fr; gap: 8px; }
  .pick span { min-height: 48px; font-size: 0.9rem; padding: 8px 12px; }
  .wiz__nav { position: sticky; bottom: 0; background: var(--surface); margin: 8px -18px 0; padding: 14px 18px calc(14px + env(safe-area-inset-bottom)); z-index: 2; }
  .page-order .wiz__nav { position: static; margin: 8px 0 0; padding: 18px 0 0; }
  .wiz__nav [data-wiz="next"], .wiz__nav [type="submit"] { min-width: 0; flex: 1; }
  .wiz__tel { display: none; }
  .page-order .formcard { padding: 24px 18px; }
}
@media (prefers-reduced-motion: reduce) { .wiz__step, .dlg--order[open] { animation: none; } .wiz__track span { transition: none; } }

/* the hidden attribute always wins over component display rules */
[hidden] { display: none !important; }

/* ============================================================================
   Typography: Cormorant Garamond display (2026-10-28). Matches the classical
   capitals of the Aurum Title logo. Smaller x-height than Fraunces, so display
   sizes go up and weights go to 500-600.
   ============================================================================ */
h1, h2, h3:not([class]), .h2, .h3 { font-variation-settings: normal; font-feature-settings: "lnum" 1, "kern" 1; }
h1, h2, .h2 { font-weight: 500; letter-spacing: -0.005em; }
.hero__h { font-size: clamp(2.9rem, 1.6rem + 3.8vw, 4.7rem); font-weight: 500; line-height: 1.02; letter-spacing: -0.01em; }
.phero__h, .ahero__h, .shero__h, .pro__h { font-size: clamp(2.6rem, 1.5rem + 3.1vw, 4rem); font-weight: 500; line-height: 1.04; letter-spacing: -0.005em; }
.h2 { font-size: clamp(2.2rem, 1.5rem + 2.3vw, 3.2rem); line-height: 1.06; }
.h3 { font-size: 1.75rem; font-weight: 600; }
.prose h2 { font-size: clamp(1.8rem, 1.4rem + 1.1vw, 2.3rem); font-weight: 600; line-height: 1.12; }
.deal__t { font-size: 1.6rem; font-weight: 600; }
.acard__t { font-size: 1.42rem; font-weight: 600; line-height: 1.18; }
.person__name { font-size: 1.32rem; font-weight: 600; }
.side__t, .creds__t { font-size: 1.7rem; font-weight: 600; }
.tool__t { font-size: 1.5rem; font-weight: 600; }
.faq__i summary { font-size: 1.32rem; font-weight: 600; line-height: 1.3; }
.answer__v { font-size: 1.45rem; font-weight: 500; line-height: 1.4; }
.wiz__q { font-size: clamp(1.65rem, 1.35rem + 0.9vw, 2.1rem); font-weight: 600; }
.quote__q p { font-size: clamp(1.7rem, 1.2rem + 1.7vw, 2.55rem); font-weight: 500; }
.stat__v, .stat__v * { font-weight: 600; font-variation-settings: normal; font-feature-settings: "lnum" 1; font-size: clamp(2.4rem, 1.8rem + 2vw, 3.4rem); }
.who__col strong { font-size: 1.34rem; font-weight: 600; }
.hero__card-v { font-size: 1.28rem; font-weight: 600; }
.band__t { font-size: clamp(2rem, 1.4rem + 1.8vw, 2.75rem); font-weight: 500; }
.odlg__t { font-size: 2.1rem; font-weight: 500; }
.uw__n, .alert__t, .inline-cta__t, .form__ok-t { font-weight: 600; }
.uw__n { font-size: 1.6rem; }
.inline-cta__t { font-size: 1.55rem; }
.issue__n, .steps__n { font-weight: 600; font-feature-settings: "lnum" 1; }
.steps__n { font-size: 1.5rem; }
.mnav__links a { font-size: 1.35rem; font-weight: 600; }
.dlg__t { font-size: 2.1rem; font-weight: 600; }
@media (max-width: 720px) {
  .hero__h, .phero__h, .ahero__h, .shero__h, .pro__h { font-size: 2.4rem; line-height: 1.06; }
  .h2 { font-size: clamp(2rem, 1.4rem + 2.6vw, 2.4rem); }
  .prose h2 { font-size: 1.65rem; }
  .deal__t { font-size: 1.28rem; }
  .acard__t { font-size: 1.2rem; }
  .person__name { font-size: 1.14rem; }
  .answer__v { font-size: 1.22rem; }
  .faq__i summary { font-size: 1.18rem; }
  .wiz__q { font-size: 1.5rem; }
  .quote__q p { font-size: 1.55rem; }
  .stat__v, .stat__v * { font-size: 2.2rem; }
  .who__col strong { font-size: 1.2rem; }
  .odlg__t { font-size: 1.45rem; }
}
@media (max-width: 380px) {
  .hero__h, .phero__h, .ahero__h, .shero__h, .pro__h { font-size: 2.2rem; }
}

/* lining numerals everywhere (Cormorant defaults to old-style figures) */
body, body * { font-variant-numeric: lining-nums; }

/* ---------- Qualia Connect login link (existing Qualia users) ---------- */
.qlink { display: inline-flex; align-items: center; gap: 8px; font-size: 0.88rem; color: var(--muted); text-decoration: none; padding: 10px 0; }
.qlink svg { color: var(--gold); flex: none; }
.qlink strong { color: var(--ink); font-weight: 600; border-bottom: 1px solid var(--gold); }
.qlink:hover strong { color: var(--gold-text); }
.wiz__q-alt { margin: 14px 0 0; text-align: center; }
.form.is-sent .wiz__q-alt { display: none; }
.qlink--side { position: relative; z-index: 1; color: #9aa4b5; font-size: 0.84rem; padding: 4px 2px; }
.qlink--side strong { color: #fff; border-bottom-color: var(--gold-btn); }
.qlink--side svg { color: var(--gold-btn); }
@media (max-width: 900px) { .qlink--side { display: none; } }
@media (max-width: 720px) { .wiz__q-alt { margin: 0; padding: 4px 0 calc(8px + env(safe-area-inset-bottom)); } .page-order .wiz__q-alt { padding-top: 10px; } }

/* ============================================================================
   Typography v3: Manrope display (2026-10-28, Mantas: "modernų, premium").
   Modern geometric sans with tight tracking for headings; Inter for reading.
   Overrides the earlier serif tuning blocks above.
   ============================================================================ */
h1, h2, h3:not([class]), .h2, .h3 { font-feature-settings: "kern" 1; font-variation-settings: normal; }
h1, h2, .h2 { font-weight: 600; letter-spacing: -0.035em; }
.hero__h { font-size: clamp(2.5rem, 1.5rem + 3vw, 3.9rem); font-weight: 600; line-height: 1.06; letter-spacing: -0.04em; }
.phero__h, .ahero__h, .shero__h, .pro__h { font-size: clamp(2.2rem, 1.4rem + 2.4vw, 3.3rem); font-weight: 600; line-height: 1.08; letter-spacing: -0.035em; }
.h2 { font-size: clamp(1.9rem, 1.35rem + 1.8vw, 2.7rem); line-height: 1.1; }
.h3 { font-size: 1.4rem; font-weight: 600; letter-spacing: -0.02em; }
.prose h2 { font-size: clamp(1.45rem, 1.2rem + 0.8vw, 1.85rem); font-weight: 650; line-height: 1.2; letter-spacing: -0.025em; }
.deal__t { font-size: 1.28rem; font-weight: 650; letter-spacing: -0.02em; }
.acard__t { font-size: 1.14rem; font-weight: 650; line-height: 1.3; letter-spacing: -0.015em; }
.person__name { font-size: 1.06rem; font-weight: 650; letter-spacing: -0.015em; }
.side__t, .creds__t { font-size: 1.35rem; font-weight: 650; letter-spacing: -0.02em; }
.tool__t { font-size: 1.18rem; font-weight: 650; letter-spacing: -0.015em; }
.faq__i summary { font-size: 1.08rem; font-weight: 600; line-height: 1.4; letter-spacing: -0.01em; }
.answer__v { font-size: 1.15rem; font-weight: 500; line-height: 1.6; letter-spacing: -0.005em; }
.wiz__q { font-size: clamp(1.35rem, 1.15rem + 0.6vw, 1.65rem); font-weight: 650; letter-spacing: -0.025em; }
.quote__q p { font-size: clamp(1.4rem, 1.05rem + 1.2vw, 2rem); font-weight: 500; line-height: 1.4; letter-spacing: -0.02em; }
.stat__v, .stat__v * { font-weight: 700; font-size: clamp(2.1rem, 1.6rem + 1.6vw, 2.9rem); letter-spacing: -0.04em; }
.who__col strong { font-size: 1.08rem; font-weight: 650; letter-spacing: -0.015em; }
.hero__card-v { font-size: 1rem; font-weight: 650; letter-spacing: -0.01em; }
.band__t { font-size: clamp(1.7rem, 1.2rem + 1.5vw, 2.3rem); font-weight: 650; letter-spacing: -0.03em; }
.odlg__t { font-size: 1.65rem; font-weight: 650; letter-spacing: -0.03em; }
.uw__n { font-size: 1.25rem; font-weight: 650; }
.inline-cta__t { font-size: 1.22rem; font-weight: 650; }
.alert__t, .form__ok-t, .dlg__t { font-weight: 650; letter-spacing: -0.02em; }
.dlg__t { font-size: 1.7rem; }
.issue__n { font-size: 1.15rem; font-weight: 700; }
.steps__n { font-size: 1.15rem; font-weight: 650; }
.mnav__links a { font-size: 1.12rem; font-weight: 600; letter-spacing: -0.01em; }
.logo__name { letter-spacing: 0.06em; }
@media (max-width: 720px) {
  .hero__h, .phero__h, .ahero__h, .shero__h, .pro__h { font-size: 2.05rem; line-height: 1.1; }
  .h2 { font-size: 1.8rem; }
  .prose h2 { font-size: 1.38rem; }
  .deal__t { font-size: 1.06rem; }
  .acard__t { font-size: 1rem; }
  .person__name { font-size: 0.98rem; }
  .answer__v { font-size: 1.04rem; }
  .faq__i summary { font-size: 1rem; }
  .wiz__q { font-size: 1.28rem; }
  .quote__q p { font-size: 1.28rem; }
  .stat__v, .stat__v * { font-size: 1.9rem; }
  .who__col strong { font-size: 1rem; }
  .odlg__t { font-size: 1.2rem; }
}
@media (max-width: 380px) {
  .hero__h, .phero__h, .ahero__h, .shero__h, .pro__h { font-size: 1.9rem; }
}

/* ============================================================================
   Polish pass (2026-10-28): headings breathe, lighter weight, tidy hero details
   ============================================================================ */
h1, h2, .h2 { font-weight: 500; letter-spacing: -0.022em; }
.hero__h { font-size: clamp(2.4rem, 1.5rem + 2.6vw, 3.55rem); font-weight: 500; line-height: 1.1; letter-spacing: -0.028em; max-width: 560px; }
.phero__h, .ahero__h, .shero__h, .pro__h { font-size: clamp(2.1rem, 1.4rem + 2vw, 3.05rem); font-weight: 500; line-height: 1.12; letter-spacing: -0.024em; }
.h2 { font-size: clamp(1.8rem, 1.3rem + 1.5vw, 2.5rem); line-height: 1.15; letter-spacing: -0.022em; }
.h3 { font-weight: 550; letter-spacing: -0.015em; }
.prose h2 { font-weight: 600; letter-spacing: -0.018em; line-height: 1.25; }
.deal__t, .acard__t, .person__name, .side__t, .creds__t, .tool__t, .who__col strong, .wiz__q, .odlg__t, .band__t, .uw__n, .inline-cta__t, .dlg__t { font-weight: 600; letter-spacing: -0.012em; }
.faq__i summary { font-weight: 550; letter-spacing: -0.005em; }
.quote__q p { font-weight: 450; letter-spacing: -0.012em; }
.stat__v, .stat__v * { font-weight: 600; letter-spacing: -0.03em; }
.hero__lead { font-size: 1.12rem; line-height: 1.7; color: var(--muted); max-width: 540px; }
.hero__lead { color: var(--ink-2); }

/* trust row under the buttons: three tidy columns, one line each */
.hero__proof { grid-template-columns: repeat(3, max-content); gap: 36px; }
.hero__proof li { align-items: center; }
.hero__proof strong { font-size: 0.92rem; }
.hero__proof li span { white-space: nowrap; }

/* underwriter card: one name per line */
.hero__card { padding: 18px 22px 16px; max-width: 290px; }
.hero__uw { list-style: none; margin: 0; padding: 0; display: grid; gap: 7px; }
.hero__uw li { display: flex; align-items: center; gap: 9px; font-size: 0.96rem; font-weight: 600; color: var(--ink); letter-spacing: -0.01em; }
.hero__uw svg { color: var(--gold); flex: none; }

@media (max-width: 1100px) {
  .hero__proof { gap: 24px; }
}
@media (max-width: 720px) {
  .hero__h, .phero__h, .ahero__h, .shero__h, .pro__h { font-size: 1.95rem; line-height: 1.14; letter-spacing: -0.022em; }
  .h2 { font-size: 1.7rem; }
  .hero__lead { font-size: 1.02rem; }
  .hero__proof { grid-template-columns: 1fr; gap: 12px; }
  .hero__card { max-width: none; }
}
@media (max-width: 720px) {
  .hero__proof { grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; padding-top: 20px; }
  .hero__proof li { flex-direction: column; align-items: flex-start; gap: 6px; font-size: 12.5px; }
  .hero__proof li span { white-space: normal; }
  .hero__proof strong { font-size: 13px; line-height: 1.25; }
  .hero__proof a { display: inline-block; padding: 13px 4px; margin: -13px -4px; }
}

/* ---------- "Open title" form: transaction picks, address row, uploads (2026-10-28) ---------- */
.wiz__bar--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.picks--2 { grid-template-columns: 1fr 1fr !important; }
.pick--lg span { min-height: 62px; gap: 10px; font-size: 1rem; font-weight: 600; justify-content: center; }
.pick--lg span svg { color: var(--gold); }
.form__grid--addr { grid-template-columns: minmax(0, 1fr) 96px 120px; }
.fld--half { max-width: 260px; }
.fld em { font-style: normal; color: var(--faint); font-weight: 500; }
.upls { display: grid; gap: 10px; margin-bottom: 8px; }
.upl { position: relative; display: flex; align-items: center; gap: 14px; padding: 14px 16px; border: 1px dashed var(--line-2); border-radius: 14px; background: var(--paper-2); cursor: pointer; transition: border-color 0.2s, background 0.2s; }
.upl:hover { border-color: var(--gold); }
.upl input[type="file"] { position: absolute; inset: 0; opacity: 0; cursor: pointer; width: 100%; }
.upl input[type="file"]:focus-visible ~ .upl__btn { outline: 2px solid var(--gold); outline-offset: 2px; }
.upl__ico { flex: none; width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: var(--gold-soft); color: var(--gold-text); }
.upl__txt { flex: 1; min-width: 0; display: flex; flex-direction: column; }
.upl__txt strong { color: var(--ink); font-size: 0.97rem; }
.upl__txt small { color: var(--muted); font-size: 0.85rem; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.upl__btn { flex: none; font-size: 0.85rem; font-weight: 600; color: var(--ink); padding: 8px 14px; border: 1px solid var(--line-2); border-radius: 999px; background: var(--surface); }
.upl.has-file { border-style: solid; border-color: var(--gold); background: var(--gold-soft); }
.upl.has-file .upl__btn::before { content: "Change"; }
.upl.has-file .upl__btn { font-size: 0; }
.upl.has-file .upl__btn::before { font-size: 0.85rem; }
.upl.is-bad { border-color: var(--warn); }
.upl.is-bad small { color: var(--warn); }
.form__ok-ref { font-size: 0.9rem; color: var(--muted); }
@media (max-width: 720px) {
  .form__grid--addr { grid-template-columns: minmax(0, 1fr) 80px; }
  .form__grid--addr .fld:first-child { grid-column: 1 / -1; }
  .fld--half { max-width: none; }
  .upl { padding: 12px; gap: 10px; }
  .upl__ico { width: 38px; height: 38px; }
  .upl__btn { padding: 8px 10px; }
}