:root {
  --ink: #13233a;
  --ink-soft: #4a5a70;
  --bg: #faf7f2;
  --surface: #ffffff;
  --line: #e7e0d4;
  --accent: #b8862f;
  --accent-strong: #946a1f;
  --navy: #0f2742;
  --ok: #1f7a4d;
  --err: #b3261e;
  --radius: 18px;
  --shadow: 0 10px 30px rgba(15, 39, 66, .08);
  --serif: 'Fraunces', Georgia, serif;
  --sans: 'Inter', system-ui, -apple-system, Segoe UI, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--sans); color: var(--ink); background: var(--bg); line-height: 1.6; font-size: 17px; }
img { max-width: 100%; display: block; }
a { color: var(--accent-strong); }
h1, h2, h3, h4 { font-family: var(--serif); line-height: 1.15; margin: 0 0 .5em; font-weight: 600; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); letter-spacing: -.01em; }
.wrap { max-width: 1160px; margin: 0 auto; padding: 0 20px; }
.eyebrow { text-transform: uppercase; letter-spacing: .14em; font-size: .78rem; font-weight: 600; color: var(--accent-strong); margin-bottom: .8em; }
section { padding: 88px 0; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 20; background: rgba(250, 247, 242, .92); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 16px; }
.brand { font-family: var(--serif); font-size: 1.35rem; font-weight: 600; color: var(--ink); text-decoration: none; line-height: 1.1; }
.brand small { display: block; font-family: var(--sans); font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-soft); font-weight: 500; }
.nav { display: flex; align-items: center; gap: 26px; }
.nav a { color: var(--ink); text-decoration: none; font-weight: 500; font-size: .95rem; }
.nav a:hover { color: var(--accent-strong); }
.lang { border: 1px solid var(--line); border-radius: 999px; padding: 4px 12px; font-size: .85rem !important; }
@media (max-width: 860px) { .nav a:not(.btn):not(.lang) { display: none; } }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; background: var(--navy); color: #fff !important; border: 0; border-radius: 999px; padding: 14px 26px; font: 600 1rem var(--sans); cursor: pointer; text-decoration: none; transition: transform .15s, background .15s; }
.btn:hover { background: #1b3a5e; transform: translateY(-1px); }
.btn:disabled { opacity: .6; cursor: wait; }
.btn-gold { background: var(--accent); }
.btn-gold:hover { background: var(--accent-strong); }
.btn-small { padding: 10px 18px; font-size: .92rem; }
.btn-wide { width: 100%; }
.btn-ghost { background: none; border: 0; color: var(--ink-soft); font: 500 .95rem var(--sans); cursor: pointer; padding: 8px 0; }
.btn-ghost:hover { color: var(--ink); }

/* Hero */
.hero { padding: 64px 0 88px; background: radial-gradient(ellipse at 85% 10%, #f1e4c8 0, transparent 55%), var(--bg); }
.hero .wrap { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.hero p.lede { font-size: 1.2rem; color: var(--ink-soft); max-width: 34em; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin: 28px 0 32px; }
.trust { display: flex; flex-wrap: wrap; gap: 22px; color: var(--ink-soft); font-size: .92rem; }
.trust b { color: var(--ink); font-size: 1.25rem; display: block; font-family: var(--serif); }
.portrait { position: relative; aspect-ratio: 4/5; border-radius: 28px; overflow: hidden; background: linear-gradient(160deg, #1b3a5e, #0f2742); box-shadow: var(--shadow); }
.portrait img { width: 100%; height: 100%; object-fit: cover; }
.portrait .placeholder { position: absolute; inset: 0; display: grid; place-items: center; color: #f1e4c8; font-family: var(--serif); font-size: 6rem; }
.portrait .badge { position: absolute; left: 20px; bottom: 20px; right: 20px; background: rgba(255, 255, 255, .95); border-radius: 14px; padding: 14px 18px; font-size: .9rem; }
.portrait .badge strong { display: block; font-family: var(--serif); font-size: 1.1rem; }
@media (max-width: 860px) { .hero .wrap { grid-template-columns: 1fr; } .portrait { max-width: 420px; } }

/* Calculator */
.calc { background: var(--navy); color: #fff; }
.calc .wrap { display: grid; grid-template-columns: .8fr 1.2fr; gap: 56px; align-items: start; }
.calc h2 { color: #fff; }
.calc .eyebrow { color: #e6c27a; }
.calc-intro p { color: #c9d4e3; }
.calc-intro ul { padding: 0; list-style: none; color: #e3e9f2; }
.calc-intro li { padding: 6px 0 6px 30px; position: relative; }
.calc-intro li::before { content: '✓'; position: absolute; left: 0; color: #e6c27a; font-weight: 700; }
@media (max-width: 920px) { .calc .wrap { grid-template-columns: 1fr; } }

.wizard { background: var(--surface); color: var(--ink); border-radius: 24px; padding: 32px; box-shadow: 0 30px 60px rgba(0, 0, 0, .25); min-height: 440px; }
@media (max-width: 560px) { .wizard { padding: 22px 18px; } }
.wz-progress { height: 6px; background: #eee6d8; border-radius: 99px; overflow: hidden; margin-bottom: 26px; }
.wz-progress span { display: block; height: 100%; background: var(--accent); transition: width .35s ease; }
.wz-q { font-size: 1.6rem; outline: none; }
.wz-hint { color: var(--ink-soft); margin-top: -.3em; }
.wz-choices { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 12px; margin: 20px 0; }
.wz-choice { display: flex; align-items: center; gap: 12px; text-align: left; border: 1.5px solid var(--line); background: #fff; border-radius: 14px; padding: 16px 18px; font: 500 1rem var(--sans); color: var(--ink); cursor: pointer; transition: border-color .15s, background .15s, transform .15s; }
.wz-choice:hover, .wz-choice:focus-visible { border-color: var(--accent); background: #fffaf0; transform: translateY(-1px); outline: none; }
.wz-choice.selected { border-color: var(--accent); background: #fdf3df; }
.wz-icon { font-size: 1.5rem; }
.wz-field { display: block; margin: 18px 0; font-weight: 500; }
.wz-field > span:first-child { display: block; margin-bottom: 6px; }
.wz-input { position: relative; display: block; }
.wz-input input { width: 100%; font: 500 1.15rem var(--sans); padding: 14px 16px; border: 1.5px solid var(--line); border-radius: 12px; color: var(--ink); }
.wz-input input:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 4px #f3e3c0; }
.wz-input.prefix input { padding-left: 34px; }
.wz-input.prefix::before, .wz-input.suffix::after { content: attr(data-unit); position: absolute; top: 50%; transform: translateY(-50%); color: var(--ink-soft); pointer-events: none; }
.wz-input.prefix::before { left: 16px; }
.wz-input.suffix::after { right: 16px; }
.wz-field.invalid input { border-color: var(--err); }
.wz-nav { display: flex; justify-content: space-between; align-items: center; margin-top: 20px; }

.wz-results h3 { font-size: 1.6rem; outline: none; }
.stats { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; margin: 16px 0; }
.stat { background: #f8f4ec; border-radius: 12px; padding: 12px 14px; }
.stat span { display: block; font-size: .82rem; color: var(--ink-soft); }
.stat strong { font-size: 1.05rem; }
.stat-main { grid-column: 1 / -1; background: var(--navy); color: #fff; padding: 18px; }
.stat-main span { color: #c9d4e3; }
.stat-main strong { font-family: var(--serif); font-size: 2.2rem; }
.fineprint { font-size: .8rem; color: var(--ink-soft); }
.gate { border: 1.5px dashed var(--accent); border-radius: 16px; padding: 20px; margin: 22px 0; background: #fffaf0; }
.gate h4 { font-size: 1.25rem; margin-bottom: .2em; }
.lead-form { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 12px; }
.lead-form label { display: grid; gap: 4px; font-size: .9rem; font-weight: 500; }
.lead-form label:nth-of-type(3), .lead-form .consent, .lead-form button, .lead-form .form-msg { grid-column: 1 / -1; }
.lead-form input:not([type=checkbox]) { font: 1rem var(--sans); padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px; }
.lead-form .consent { display: flex; gap: 10px; align-items: flex-start; font-weight: 400; font-size: .82rem; color: var(--ink-soft); }
.lead-form .consent input { margin-top: 4px; }
.hp { position: absolute; left: -9999px; }
.form-msg { margin: 0; font-size: .9rem; color: var(--ink-soft); }
.success { color: var(--ok); font-weight: 600; margin: 0; }
@media (max-width: 560px) { .lead-form { grid-template-columns: 1fr; } .stats { grid-template-columns: 1fr; } }
.ai-output { border-left: 4px solid var(--accent); padding: 4px 0 4px 18px; margin: 18px 0; }
.ai-output h4 { font-size: 1.3rem; }
.ai-output h5 { font: 600 1rem var(--sans); margin: 1em 0 .3em; }
.ai-output ul { padding-left: 20px; }
.ai-loading { display: flex; gap: 6px; padding: 12px 0; }
.ai-loading span { width: 9px; height: 9px; border-radius: 50%; background: var(--accent); animation: pulse 1s infinite ease-in-out; }
.ai-loading span:nth-child(2) { animation-delay: .15s; } .ai-loading span:nth-child(3) { animation-delay: .3s; }
@keyframes pulse { 0%, 100% { opacity: .25; transform: scale(.8); } 50% { opacity: 1; transform: scale(1); } }

/* Services */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 900px) { .grid-3 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .grid-3 { grid-template-columns: 1fr; } }
.card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; transition: box-shadow .2s, transform .2s; }
.card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.card .ico { font-size: 1.8rem; margin-bottom: 10px; }
.card h3 { font-size: 1.3rem; }
.card p { color: var(--ink-soft); margin: 0; }
.section-head { max-width: 680px; margin-bottom: 44px; }
.section-head p { color: var(--ink-soft); font-size: 1.1rem; }

/* Steps */
.steps { counter-reset: s; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.steps li { list-style: none; counter-increment: s; }
.steps li::before { content: counter(s); display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--accent); color: #fff; font: 600 1.2rem var(--serif); margin-bottom: 12px; }
.steps h3 { font-size: 1.15rem; }
.steps p { color: var(--ink-soft); margin: 0; font-size: .95rem; }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr 1fr; } }

/* Videos */
.videos { background: #f1ebe0; }
.video-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 860px) { .video-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .video-grid { grid-template-columns: 1fr; } }
.video { position: relative; aspect-ratio: 9/16; border-radius: var(--radius); overflow: hidden; background: linear-gradient(170deg, #1b3a5e, #0f2742); color: #fff; border: 0; padding: 0; cursor: pointer; text-align: left; width: 100%; font-family: var(--sans); }
.video iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; background: #fff; }
.video .play { position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); width: 72px; height: 72px; border-radius: 50%; background: rgba(255, 255, 255, .95); color: var(--navy); display: grid; place-items: center; font-size: 1.6rem; }
.video .cap { position: absolute; left: 0; right: 0; bottom: 0; padding: 20px; background: linear-gradient(transparent, rgba(0, 0, 0, .65)); font-weight: 600; font-size: 1.05rem; }
.video .src { position: absolute; top: 14px; left: 14px; font-size: .75rem; background: rgba(0, 0, 0, .35); padding: 4px 10px; border-radius: 99px; }
.social-row { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }

/* Testimonials */
.quote { font-family: var(--serif); font-size: 1.15rem; }
.quote footer { font-family: var(--sans); font-size: .9rem; color: var(--ink-soft); margin-top: 12px; }
.stars { color: var(--accent); letter-spacing: 2px; }

/* FAQ */
.faq details { background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 18px 22px; margin-bottom: 12px; }
.faq summary { cursor: pointer; font-weight: 600; font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::after { content: '+'; font-size: 1.4rem; color: var(--accent); line-height: 1; }
.faq details[open] summary::after { content: '−'; }
.faq details p { color: var(--ink-soft); margin: 12px 0 0; }

/* Contact */
.contact { background: var(--navy); color: #fff; }
.contact .wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.contact h2 { color: #fff; }
.contact p { color: #c9d4e3; }
.contact-list { list-style: none; padding: 0; margin: 24px 0; }
.contact-list li { padding: 8px 0; }
.contact-list a { color: #fff; text-decoration: none; font-weight: 600; }
@media (max-width: 860px) { .contact .wrap { grid-template-columns: 1fr; } }

/* Footer */
.site-footer { background: #0a1b2f; color: #93a3b8; font-size: .85rem; padding: 40px 0; }
.site-footer a { color: #c9d4e3; }
.site-footer .legal { border-top: 1px solid #1d3350; margin-top: 20px; padding-top: 20px; }

/* Sticky mobile CTA */
.mobile-cta { display: none; }
@media (max-width: 700px) {
  .mobile-cta { display: flex; position: fixed; bottom: 0; left: 0; right: 0; z-index: 30; gap: 8px; padding: 10px 12px calc(10px + env(safe-area-inset-bottom)); background: rgba(250, 247, 242, .96); border-top: 1px solid var(--line); }
  .mobile-cta a { flex: 1; }
  body { padding-bottom: 76px; }
}

/* Legal pages */
.prose { max-width: 760px; margin: 0 auto; padding: 60px 20px; }
.prose h1 { font-size: 2.4rem; }
.prose h2 { font-size: 1.4rem; margin-top: 1.6em; }

/* v2 — smart calculator */
.ai-intake { margin-top: 22px; padding: 18px; border-radius: 14px; background: linear-gradient(135deg, #fdf3df, #f4ecff); display: grid; gap: 10px; }
.ai-intake label { font-weight: 600; }
.ai-intake textarea { font: 1rem var(--sans); padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px; resize: vertical; width: 100%; }
.ai-intake .btn { justify-self: start; }
.ai-understood { background: #f4ecff; border-radius: 12px; padding: 10px 14px; font-size: .92rem; margin: -8px 0 18px; }
.stats { grid-template-columns: repeat(2, 1fr); }
.cols { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media (max-width: 640px) { .cols { grid-template-columns: 1fr; } }
.panel { border: 1px solid var(--line); border-radius: 14px; padding: 16px 18px; margin: 12px 0; }
.panel h4 { font-size: 1.1rem; margin-bottom: .6em; }
.row { display: flex; justify-content: space-between; gap: 12px; padding: 5px 0; font-size: .93rem; border-bottom: 1px dashed #eee6d8; }
.row:last-child { border-bottom: 0; }
.row.total { font-size: 1rem; border-top: 1.5px solid var(--ink); border-bottom: 0; margin-top: 4px; padding-top: 8px; }
.row.credit b { color: var(--ok); }
.ratio { margin: 8px 0; font-size: .9rem; }
.bar { height: 8px; background: #eee6d8; border-radius: 99px; overflow: hidden; margin-top: 4px; }
.bar i { display: block; height: 100%; background: var(--ok); border-radius: 99px; }
.bar i.tight { background: var(--accent); }
.bar i.over { background: var(--err); }
.notice { background: #fff4e5; border-left: 4px solid var(--accent); padding: 10px 14px; border-radius: 8px; font-size: .92rem; }
.score { color: var(--accent-strong); }
.explorer { background: #f8f4ec; border: 0; }
.explorer label { display: block; margin: 10px 0; font-size: .93rem; }
.explorer label b { float: right; }
.explorer input[type=range] { width: 100%; accent-color: var(--navy); margin-top: 6px; }
.seg { display: inline-flex; border: 1.5px solid var(--line); border-radius: 99px; overflow: hidden; margin: 6px 0 10px; }
.seg button { border: 0; background: #fff; padding: 8px 16px; font: 500 .9rem var(--sans); cursor: pointer; }
.seg button.on { background: var(--navy); color: #fff; }
.verdict p { margin: 0; padding: 10px 14px; border-radius: 10px; font-size: .95rem; }
.verdict .ok { background: #e6f4ec; color: #145a37; }
.verdict .ko { background: #fdecea; color: #8a1c15; }

/* v3 — calculator-first layout */
.hero-calc { background: radial-gradient(ellipse at 10% 0%, #1f4a78 0, transparent 55%), var(--navy); color: #fff; padding: 56px 0 72px; }
.hero-calc .wrap { display: grid; grid-template-columns: .85fr 1.15fr; gap: 48px; align-items: start; }
.hero-calc h1 { color: #fff; font-size: clamp(2.1rem, 4.4vw, 3.3rem); }
.hero-calc h1 em { font-style: italic; color: #e6c27a; }
.hero-calc .eyebrow { color: #e6c27a; }
.hero-calc .lede { color: #c9d4e3; font-size: 1.12rem; }
.hc-intro { position: sticky; top: 100px; }
.pills { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; margin: 22px 0; }
.pills li { background: rgba(255, 255, 255, .1); border: 1px solid rgba(255, 255, 255, .18); border-radius: 99px; padding: 6px 14px; font-size: .88rem; }
.broker-card { display: flex; gap: 14px; align-items: center; background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .14); border-radius: 16px; padding: 14px 16px; font-size: .88rem; color: #c9d4e3; }
.broker-card strong { display: block; color: #fff; font-size: 1rem; }
.broker-card a { color: #e6c27a; }
.avatar { flex: none; width: 56px; height: 56px; border-radius: 50%; background: #e6c27a; color: var(--navy); display: grid; place-items: center; font: 600 1.2rem var(--serif); overflow: hidden; }
.avatar img { width: 100%; height: 100%; object-fit: cover; }
@media (max-width: 960px) { .hero-calc .wrap { grid-template-columns: 1fr; } .hc-intro { position: static; } }

.compare { padding-bottom: 40px; }
.compare-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
@media (max-width: 900px) { .compare-grid { grid-template-columns: 1fr; } }
.cmp-card { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.cmp-card h3 { font-size: 1.15rem; margin-bottom: 14px; }
.cmp-row { display: flex; justify-content: space-between; align-items: baseline; padding: 10px 0; border-bottom: 1px dashed var(--line); }
.cmp-row.simple b { color: var(--ink-soft); text-decoration: line-through; text-decoration-color: #c9b9a0; font-weight: 500; }
.cmp-row.real span { font-weight: 600; }
.cmp-row.real b { font-family: var(--serif); font-size: 1.5rem; color: var(--navy); }
.cmp-diff { font-weight: 700; margin: 10px 0 4px; font-size: 1.05rem; }
.cmp-diff.up { color: var(--err); }
.cmp-diff.down { color: var(--accent-strong); }

.included { padding-top: 40px; }
.checklist { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
@media (max-width: 900px) { .checklist { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .checklist { grid-template-columns: 1fr; } }
.checklist li { background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 14px 16px 14px 48px; position: relative; font-size: .9rem; color: var(--ink-soft); }
.checklist li::before { content: '✓'; position: absolute; left: 16px; top: 13px; width: 22px; height: 22px; border-radius: 50%; background: var(--ok); color: #fff; display: grid; place-items: center; font-size: .75rem; font-weight: 700; }
.checklist b { display: block; color: var(--ink); font-size: .98rem; }

.about { background: #f1ebe0; }
.about .wrap { display: grid; grid-template-columns: .7fr 1.3fr; gap: 56px; align-items: center; }
.about .portrait { max-width: 380px; }
@media (max-width: 860px) { .about .wrap { grid-template-columns: 1fr; } }

.share-row { display: flex; gap: 10px; flex-wrap: wrap; align-items: center; margin: 14px 0; }
.method-table { width: 100%; border-collapse: collapse; font-size: .92rem; margin: 10px 0 20px; }
.method-table td, .method-table th { text-align: left; padding: 8px 10px; border-bottom: 1px solid var(--line); }
.method-table th { background: #f1ebe0; }