/* Aarya Wealth — site styles.
   Design tokens live in :root at the top. Sections are ordered:
   tokens, base, type, buttons, header, hero, components, footer, motion. */

/* ============================================================
   AARYA WEALTH — brand tokens
   Palette supplied by client: Deep Emerald / Gold / Champagne
   ============================================================ */
:root{
  --emerald:#2C4A3E;
  --emerald-deep:#1E3329;
  --emerald-ink:#152520;
  --gold:#C9963A;
  --gold-soft:#E2C48A;
  --champagne:#F8F4EE;
  --sand:#EDE5D7;
  --paper:#FFFDFA;
  --muted:#5F7168;
  --line:rgba(44,74,62,.14);
  --line-strong:rgba(44,74,62,.26);

  --display:"Newsreader",Georgia,"Times New Roman",serif;
  --body:"Instrument Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --mono:"DM Mono",ui-monospace,"SFMono-Regular",Menlo,monospace;

  /* radius language lifted from the logo's rounded square */
  --r-xl:34px; --r-lg:24px; --r-md:14px; --r-sm:8px;

  --pad:clamp(64px,8vw,124px);
  --shadow:0 1px 2px rgba(21,37,32,.04), 0 12px 34px -18px rgba(21,37,32,.22);
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--champagne);color:var(--emerald);
  font-family:var(--body);font-size:17px;line-height:1.62;
  font-optical-sizing:auto;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit}
button,input,select,textarea{font:inherit;color:inherit}

::selection{background:var(--gold);color:var(--champagne)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:4px}

.skip{position:absolute;left:-999px;top:0;background:var(--emerald);color:var(--champagne);padding:12px 18px;z-index:200;border-radius:0 0 var(--r-sm) 0}
.skip:focus{left:0}

.wrap{width:min(1200px,100% - 44px);margin-inline:auto}
@media(max-width:640px){.wrap{width:min(1200px,100% - 34px)}}

.section{padding-block:var(--pad)}
.section--tight{padding-block:clamp(44px,5vw,72px)}

/* ---------- type ---------- */
h1,h2,h3,h4{font-family:var(--display);font-weight:300;margin:0;letter-spacing:-.018em;font-optical-sizing:auto}
h1{font-size:clamp(2.5rem,5.4vw,4.4rem);line-height:1.045}
h2{font-size:clamp(1.95rem,3.7vw,3.05rem);line-height:1.08}
h3{font-size:1.4rem;line-height:1.25;font-weight:400}
h1 em,h2 em,h3 em{font-style:italic;font-weight:300;color:var(--emerald)}
p{margin:0}

.eyebrow{
  font-family:var(--mono);font-size:.66rem;font-weight:500;
  letter-spacing:.2em;text-transform:uppercase;color:var(--gold);
  display:flex;align-items:center;gap:.7em;
}
.eyebrow::before{content:"";width:16px;height:1px;background:var(--gold);flex:none}
.eyebrow--plain::before{display:none}

/* a run of short category tags (e.g. the homepage hero) — wraps as whole
   units so a line break never orphans a separator dot on its own line */
.eyebrow__tags{display:flex;flex-wrap:wrap;row-gap:8px}
.eyebrow__tags span::after{content:"·";margin:0 .6em;opacity:.5}
.eyebrow__tags span:last-child::after{content:none}

.lead{font-size:clamp(1.06rem,1.5vw,1.22rem);line-height:1.6;color:var(--muted)}
.body-muted{color:var(--muted)}
.small{font-size:.86rem;line-height:1.55}
.fine{font-family:var(--mono);font-size:.72rem;letter-spacing:.03em;color:var(--muted)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;gap:.6em;justify-content:center;
  padding:15px 26px;border-radius:100px;border:1px solid transparent;
  font-size:.95rem;font-weight:500;letter-spacing:-.005em;text-decoration:none;
  cursor:pointer;transition:transform .25s cubic-bezier(.2,.7,.3,1),background .25s,color .25s,border-color .25s;
}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn--gold{background:var(--gold);color:#20180A;border-color:var(--gold)}
.btn--gold:hover{background:#D8A64C;border-color:#D8A64C}
.btn--ink{background:var(--emerald);color:var(--champagne);border-color:var(--emerald)}
.btn--ink:hover{background:var(--emerald-deep);border-color:var(--emerald-deep)}
.btn--ghost{background:transparent;color:var(--emerald);border-color:var(--line-strong)}
.btn--ghost:hover{border-color:var(--emerald);background:rgba(44,74,62,.045)}
.btn--ghost-light{background:transparent;color:var(--champagne);border-color:rgba(248,244,238,.4)}
.btn--ghost-light:hover{border-color:var(--champagne);background:rgba(248,244,238,.09)}
.btn .arw{transition:transform .3s cubic-bezier(.2,.7,.3,1)}
.btn:hover .arw{transform:translateX(4px)}

.textlink{
  font-size:.92rem;font-weight:500;text-decoration:none;display:inline-flex;gap:.5em;align-items:center;
  padding-bottom:3px;border-bottom:1px solid var(--line-strong);transition:border-color .25s,gap .25s;
}
.textlink:hover{border-color:var(--gold);gap:.8em}

/* ---------- logo ---------- */
.logo{display:flex;align-items:center;gap:11px;text-decoration:none}
.logo img.mark{width:34px;height:34px}
.logo img.word{width:158px;height:auto}
@media(max-width:420px){.logo img.word{width:126px}}

/* ---------- nav ---------- */
.nav{position:sticky;top:0;z-index:100;background:rgba(248,244,238,.86);backdrop-filter:blur(14px) saturate(1.3);-webkit-backdrop-filter:blur(14px) saturate(1.3);border-bottom:1px solid transparent;transition:border-color .3s,background .3s}
.nav.stuck{border-bottom-color:var(--line);background:rgba(248,244,238,.94)}
.nav__in{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-block:16px}
.nav__links{display:flex;align-items:center;gap:30px}
.nav__links a{font-size:.9rem;text-decoration:none;color:var(--muted);position:relative;padding-block:4px;transition:color .2s}
.nav__links a::after{content:"";position:absolute;left:0;right:100%;bottom:0;height:1px;background:var(--gold);transition:right .3s cubic-bezier(.2,.7,.3,1)}
.nav__links a:hover{color:var(--emerald)}
.nav__links a:hover::after{right:0}
.nav__cta{display:flex;align-items:center;gap:14px}
.nav__phone{font-family:var(--mono);font-size:.82rem;text-decoration:none;color:var(--emerald);letter-spacing:.02em}
.nav__cta .btn{padding:11px 20px;font-size:.88rem}
.burger{display:none;width:44px;height:40px;border:1px solid var(--line-strong);border-radius:100px;background:none;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.burger span{display:block;width:16px;height:1.5px;background:var(--emerald);transition:transform .3s,opacity .2s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(3.25px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-3.25px) rotate(-45deg)}
@media(max-width:1000px){
  .nav__links,.nav__phone{display:none}
  .burger{display:flex}
}
@media(max-width:620px){
  .nav__cta .btn{display:none}
  .logo img.word{width:132px}
  .logo img.mark{width:30px}
}
.drawer{
  position:fixed;inset:0;z-index:99;background:var(--emerald);
  display:flex;flex-direction:column;justify-content:flex-start;gap:6px;padding:96px 34px 40px;
  overflow-y:auto;-webkit-overflow-scrolling:touch;
  transform:translateY(-100%);transition:transform .5s cubic-bezier(.65,0,.2,1);
}
.drawer[data-open="true"]{transform:translateY(0)}
.drawer a{font-family:var(--display);font-weight:300;font-size:clamp(2rem,8vw,2.9rem);color:var(--champagne);text-decoration:none;padding-block:8px;border-bottom:1px solid rgba(248,244,238,.14)}
.drawer .drawer__foot{margin-top:28px;display:flex;flex-direction:column;gap:12px;padding-bottom:env(safe-area-inset-bottom)}
.drawer .drawer__foot a{font-family:var(--body);font-size:.95rem;border:0;padding:0;color:var(--gold-soft)}
body[data-lock="true"]{overflow:hidden}
@media(max-width:620px){
  .drawer{padding:88px 28px 32px;gap:0}
  .drawer a{font-size:1.7rem;padding-block:11px}
  .drawer .sub{margin:0 0 6px}
  .drawer .sub a{padding-block:9px}
  .drawer .drawer__foot{margin-top:18px}
}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;padding-top:clamp(48px,6vw,76px)}
.hero h1{margin-top:22px;max-width:24ch}
.hero__cols{display:grid;grid-template-columns:minmax(0,1.12fr) minmax(0,.88fr);gap:clamp(30px,5vw,64px);margin-top:clamp(34px,4vw,48px);padding-top:clamp(28px,3vw,38px);border-top:1px solid var(--line)}
@media(max-width:900px){.hero__cols{grid-template-columns:1fr;gap:30px}}
.hero .lead{max-width:52ch}
.hero__actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}

.hero__aside{border-left:1px solid var(--line);padding-left:clamp(20px,2.4vw,32px)}
@media(max-width:900px){.hero__aside{border-left:0;padding-left:0;max-width:46ch}}
.hero__aside p{font-size:.94rem;color:var(--muted);margin-top:12px}
.hero__aside .stars{color:var(--gold);letter-spacing:.16em;font-size:.85rem}
.hero__aside strong{font-weight:600;color:var(--emerald)}

/* ridgeline — the signature */
.ridge{margin-top:clamp(40px,5.5vw,68px);position:relative}
.ridge svg{width:100%;display:block;overflow:visible}
.ridge .ridge-line{fill:none;stroke:var(--emerald);stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round;vector-effect:non-scaling-stroke}
.ridge .ridge-back{stroke:rgba(44,74,62,.3);stroke-width:1}
.ridge .ridge-fill{fill:url(#ridgeGrad);stroke:none}
.ridge .axis{stroke:var(--line-strong);stroke-width:1;vector-effect:non-scaling-stroke}
.ridge .drop{stroke:var(--gold);stroke-width:1;stroke-dasharray:2 4;opacity:.65;vector-effect:non-scaling-stroke}
.ridge .peak{fill:var(--gold)}
.ridge .peak-ring{fill:none;stroke:var(--gold);stroke-width:1;opacity:.45;vector-effect:non-scaling-stroke}
.ridge__labels{display:flex;justify-content:space-between;gap:20px;margin-top:12px;font-family:var(--mono);font-size:.68rem;letter-spacing:.13em;text-transform:uppercase;color:var(--muted)}
.ridge__labels span:last-child{color:var(--emerald)}

/* ---------- credential strip ---------- */
.strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip__in{display:grid;grid-template-columns:repeat(4,1fr);}
.strip__item{padding:26px 24px 26px 0;border-right:1px solid var(--line)}
.strip__item:last-child{border-right:0}
.strip__item:not(:first-child){padding-left:24px}
.strip__k{font-family:var(--mono);font-size:1.32rem;font-weight:400;letter-spacing:-.02em;display:block}
.strip__v{font-size:.84rem;color:var(--muted);margin-top:4px;display:block;line-height:1.4}
@media(max-width:760px){
  .strip__in{grid-template-columns:1fr 1fr}
  .strip__item{padding:20px 18px;border-bottom:1px solid var(--line)}
  .strip__item:nth-child(2n){border-right:0}
  .strip__item:nth-child(n+3){border-bottom:0}
  .strip__item:not(:first-child){padding-left:18px}
  .strip__item:nth-child(2n+1){padding-left:0}
}

/* ---------- rail layout ---------- */
.rail{display:grid;grid-template-columns:172px minmax(0,1fr);gap:clamp(28px,5vw,72px)}
@media(max-width:900px){.rail{grid-template-columns:1fr;gap:20px}}
.rail__label{position:sticky;top:104px;align-self:start}
@media(max-width:900px){.rail__label{position:static}}
.rail__head{max-width:23ch}
.rail__intro{margin-top:20px;max-width:52ch}

/* ---------- service cards ---------- */
.cards{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:clamp(36px,4vw,52px)}
@media(max-width:740px){.cards{grid-template-columns:1fr}}
.card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);
  padding:clamp(26px,3vw,36px);position:relative;overflow:hidden;
  transition:transform .35s cubic-bezier(.2,.7,.3,1),border-color .35s,box-shadow .35s;
}
.card::after{content:"";position:absolute;inset:auto 0 0 0;height:2px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .45s cubic-bezier(.2,.7,.3,1)}
.card:hover{transform:translateY(-4px);border-color:var(--line-strong);box-shadow:var(--shadow)}
.card:hover::after{transform:scaleX(1)}
.card__glyph{width:32px;height:32px;color:var(--emerald)}
.card h3{margin-top:22px}
.card p{margin-top:12px;color:var(--muted);font-size:.97rem}
.tags{display:flex;flex-wrap:wrap;gap:7px;margin-top:22px}
.tag{font-family:var(--mono);font-size:.68rem;letter-spacing:.06em;padding:5px 11px;border:1px solid var(--line);border-radius:100px;color:var(--muted);background:rgba(237,229,215,.42)}

/* ---------- route (dark) ---------- */
.dark{background:var(--emerald);color:var(--champagne);position:relative;overflow:hidden}
.dark h1,.dark h2,.dark h3{color:var(--champagne)}
.dark .lead,.dark .body-muted{color:rgba(248,244,238,.68)}
.dark .eyebrow{color:var(--gold-soft)}
.dark .eyebrow::before{background:var(--gold-soft)}
.dark .fine{color:rgba(248,244,238,.5)}

.route{position:relative;margin-top:clamp(52px,6vw,86px)}
.route__svg{position:absolute;inset:0;width:100%;height:100%;pointer-events:none}
.route__svg polyline{fill:none;stroke:rgba(226,196,138,.45);stroke-width:1;stroke-dasharray:2 5;stroke-linecap:round;vector-effect:non-scaling-stroke}
.route__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(16px,2.4vw,30px);position:relative;align-items:start}
.stage:nth-child(1){margin-top:96px}
.stage:nth-child(2){margin-top:64px}
.stage:nth-child(3){margin-top:32px}
.stage:nth-child(4){margin-top:0}
.stage__dot{width:11px;height:11px;border-radius:50%;background:var(--gold);position:relative;margin-bottom:22px}
.stage__dot::after{content:"";position:absolute;inset:-7px;border:1px solid rgba(226,196,138,.4);border-radius:50%}
.stage__when{font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-soft)}
.stage h3{margin-top:10px;font-size:1.28rem}
.stage p{margin-top:12px;font-size:.94rem;color:rgba(248,244,238,.66)}
.route__foot{margin-top:clamp(46px,5vw,72px);border-top:1px solid rgba(248,244,238,.16);padding-top:24px;display:flex;flex-wrap:wrap;gap:18px;align-items:center;justify-content:space-between}
@media(max-width:860px){
  .route__svg{display:none}
  .route__grid{grid-template-columns:1fr;gap:0}
  .stage{position:relative;margin-top:0 !important;padding-left:34px;padding-bottom:34px;border-left:1px solid rgba(248,244,238,.18);margin-left:5px}
  .stage:last-child{border-left-color:transparent;padding-bottom:0}
  .stage__dot{position:absolute;margin-left:-40px;margin-bottom:0;top:5px}
  .stage h3{margin-top:8px}
  .route__foot{margin-top:44px}
}

/* ---------- calculator ---------- */
.calc{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:0;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-xl);overflow:hidden;margin-top:clamp(34px,4vw,50px)}
@media(max-width:880px){.calc{grid-template-columns:1fr}}
.calc__inputs{padding:clamp(28px,3.4vw,44px)}
.calc__out{padding:clamp(28px,3.4vw,44px);background:var(--emerald);color:var(--champagne);display:flex;flex-direction:column;gap:26px}

.field{margin-bottom:30px}
.field:last-child{margin-bottom:0}
.field__top{display:flex;justify-content:space-between;align-items:baseline;gap:14px;margin-bottom:12px}
.field__label{font-size:.9rem;font-weight:500}
.field__val{font-family:var(--mono);font-size:1.02rem;font-variant-numeric:tabular-nums}
.field__sub{font-family:var(--mono);font-size:.7rem;color:var(--muted);letter-spacing:.06em}

input[type=range]{-webkit-appearance:none;appearance:none;width:100%;background:transparent;cursor:pointer;height:22px;margin:0}
input[type=range]::-webkit-slider-runnable-track{height:3px;background:var(--sand);border-radius:3px}
input[type=range]::-moz-range-track{height:3px;background:var(--sand);border-radius:3px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;margin-top:-8.5px;border-radius:50%;background:var(--paper);border:1.5px solid var(--gold);box-shadow:0 1px 6px rgba(21,37,32,.16);transition:transform .18s}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--paper);border:1.5px solid var(--gold);box-shadow:0 1px 6px rgba(21,37,32,.16)}
input[type=range]:hover::-webkit-slider-thumb{transform:scale(1.12)}
input[type=range]:active::-webkit-slider-thumb{background:var(--gold)}

.seg{display:inline-flex;background:var(--sand);border-radius:100px;padding:3px;gap:2px}
.seg button{border:0;background:none;padding:8px 17px;border-radius:100px;font-size:.86rem;cursor:pointer;color:var(--muted);transition:background .25s,color .25s}
.seg button[aria-pressed="true"]{background:var(--paper);color:var(--emerald);box-shadow:0 1px 3px rgba(21,37,32,.1)}

.readout__label{font-family:var(--mono);font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-soft)}
.readout__big{font-family:var(--mono);font-weight:300;font-size:clamp(2.4rem,5.4vw,3.4rem);line-height:1;letter-spacing:-.03em;font-variant-numeric:tabular-nums;margin-top:12px}
.readout__big span{font-size:.9rem;letter-spacing:.04em;color:rgba(248,244,238,.6);margin-left:6px}
.rows{display:flex;flex-direction:column;gap:0}
.rows>div{display:flex;justify-content:space-between;gap:14px;padding:13px 0;border-bottom:1px solid rgba(248,244,238,.15);font-size:.92rem}
.rows>div:last-child{border-bottom:0}
.rows dt{color:rgba(248,244,238,.62)}
.rows dd{margin:0;font-family:var(--mono);font-variant-numeric:tabular-nums}
.lvr{margin-top:2px}
.lvr__bar{height:4px;border-radius:4px;background:rgba(248,244,238,.18);overflow:hidden;margin-top:10px}
.lvr__fill{height:100%;background:var(--gold-soft);width:0;border-radius:4px;transition:width .35s cubic-bezier(.2,.7,.3,1),background .35s}
.lvr__note{font-size:.83rem;color:rgba(248,244,238,.66);margin-top:11px;display:flex;gap:.5em;align-items:flex-start}
.lvr__note b{color:var(--gold-soft);font-weight:500;flex:none}
.calc__cta{margin-top:auto;padding-top:6px}

/* ---------- reasons ---------- */
.reasons{display:grid;grid-template-columns:1fr 1fr;gap:0;margin-top:clamp(36px,4vw,52px);border-top:1px solid var(--line)}
@media(max-width:740px){.reasons{grid-template-columns:1fr}}
.reason{padding:clamp(28px,3vw,40px) clamp(24px,3vw,40px) clamp(28px,3vw,40px) 0;border-bottom:1px solid var(--line)}
.reason:nth-child(2n){padding-left:clamp(24px,3vw,40px);border-left:1px solid var(--line)}
@media(max-width:740px){.reason,.reason:nth-child(2n){padding-inline:0;border-left:0}}
.reason__no{font-family:var(--mono);font-size:.7rem;color:var(--gold);letter-spacing:.14em}
.reason h3{margin-top:14px;font-size:1.5rem;max-width:16ch}
.reason p{margin-top:12px;color:var(--muted);font-size:.97rem;max-width:44ch}

/* ---------- testimonials ---------- */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:clamp(36px,4vw,52px)}
@media(max-width:900px){.quotes{grid-template-columns:1fr}}
.quote{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(24px,2.6vw,32px);display:flex;flex-direction:column}
.quote__stars{color:var(--gold);letter-spacing:.18em;font-size:.8rem}
.quote blockquote{margin:16px 0 0;font-family:var(--display);font-size:1.24rem;line-height:1.38;font-weight:300}
.quote__who{margin-top:auto;padding-top:22px;font-size:.84rem;color:var(--muted)}
.quote__who b{display:block;color:var(--emerald);font-weight:600;font-size:.9rem;margin-bottom:2px}

/* ---------- about ---------- */
.about{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(30px,5vw,68px);align-items:start}
@media(max-width:880px){.about{grid-template-columns:1fr}}
.portrait{
  border-radius:var(--r-xl);background:var(--emerald);color:var(--champagne);
  aspect-ratio:4/5;position:relative;overflow:hidden;display:flex;flex-direction:column;justify-content:flex-end;padding:30px;
}
.portrait img.pic{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.portrait__wm{position:absolute;top:-8%;right:-12%;width:52%;opacity:.09}
.portrait__ridge{position:absolute;left:0;right:0;width:100%;bottom:0;opacity:.34}
.portrait__name{position:relative;font-family:var(--display);font-size:1.45rem;font-weight:300}
.portrait__role{position:relative;font-family:var(--mono);font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-soft);margin-top:6px}
.about__body p+p{margin-top:18px}
.about__body .lead{margin-bottom:18px}
.creds{margin-top:30px;display:flex;flex-direction:column;border-top:1px solid var(--line)}
.creds div{display:flex;gap:18px;padding:13px 0;border-bottom:1px solid var(--line);font-size:.9rem}
.creds dt{font-family:var(--mono);font-size:.7rem;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);width:130px;flex:none;padding-top:3px}
.creds dd{margin:0}

/* ---------- faq ---------- */
.faq{margin-top:clamp(24px,3vw,36px);border-top:1px solid var(--line)}
details{border-bottom:1px solid var(--line)}
summary{
  list-style:none;cursor:pointer;padding:24px 44px 24px 0;position:relative;
  font-family:var(--display);font-size:clamp(1.1rem,1.9vw,1.35rem);font-weight:400;line-height:1.3;
  transition:color .2s;
}
summary::-webkit-details-marker{display:none}
summary:hover{color:var(--muted)}
summary::after{
  content:"";position:absolute;right:6px;top:50%;width:11px;height:11px;
  border-right:1.5px solid var(--gold);border-bottom:1.5px solid var(--gold);
  transform:translateY(-70%) rotate(45deg);transition:transform .3s cubic-bezier(.2,.7,.3,1);
}
details[open] summary::after{transform:translateY(-25%) rotate(225deg)}
.answer{padding:0 clamp(20px,8vw,120px) 26px 0;color:var(--muted);font-size:.98rem}
.answer p+p{margin-top:14px}

/* ---------- CTA band ---------- */
.band{background:var(--emerald-deep);color:var(--champagne);position:relative;overflow:hidden}
.band__ridge{position:absolute;left:0;right:0;width:100%;bottom:0;opacity:.3;pointer-events:none}
.band__in{position:relative;text-align:center;display:flex;flex-direction:column;align-items:center;gap:22px}
.band h2{max-width:21ch}
.band .lead{max-width:50ch}
.band__actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:6px}

/* ---------- contact ---------- */
.contact{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:clamp(32px,5vw,70px);align-items:start}
@media(max-width:880px){.contact{grid-template-columns:1fr}}
.contact__side .lead{margin-top:20px}
.details{margin-top:32px;display:flex;flex-direction:column;border-top:1px solid var(--line)}
.details a,.details span{display:flex;gap:16px;align-items:baseline;padding:15px 0;border-bottom:1px solid var(--line);text-decoration:none;font-size:1rem;transition:color .2s}
.details a:hover{color:var(--gold)}
.details i{font-style:normal;font-family:var(--mono);font-size:.68rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);width:74px;flex:none}

form{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-xl);padding:clamp(26px,3.2vw,42px)}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:520px){.frow{grid-template-columns:1fr}}
.fgroup{margin-bottom:16px}
.fgroup label{display:block;font-size:.8rem;font-weight:500;margin-bottom:7px;letter-spacing:.005em}
.fgroup input,.fgroup select,.fgroup textarea{
  width:100%;padding:13px 15px;border:1px solid var(--line-strong);border-radius:var(--r-md);
  background:var(--champagne);font-size:.95rem;transition:border-color .2s,background .2s;
}
.fgroup textarea{resize:vertical;min-height:96px}
.fgroup input:focus,.fgroup select:focus,.fgroup textarea:focus{outline:none;border-color:var(--gold);background:var(--paper)}
.fgroup select{appearance:none;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%235F7168' stroke-width='1.4' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 15px center}
form .btn{width:100%;margin-top:8px}
.form-note{margin-top:16px;text-align:center}
.form-error{display:none;margin-top:16px;text-align:center;color:#A8452F}
form[data-error="true"] .form-error{display:block}
form .btn[disabled]{opacity:.6;cursor:not-allowed}
.sent{display:none;text-align:center;padding:26px 10px}
.sent h3{margin-bottom:10px}
form[data-sent="true"] .fields{display:none}
form[data-sent="true"] .sent{display:block}

/* ---------- footer ---------- */
.foot{background:var(--emerald-ink);color:rgba(248,244,238,.72);font-size:.9rem}
.foot__top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:clamp(26px,3.5vw,50px);padding-block:clamp(52px,6vw,80px)}
@media(max-width:860px){.foot__top{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.foot__top{grid-template-columns:1fr}}
.foot h4{font-family:var(--mono);font-size:.67rem;letter-spacing:.17em;text-transform:uppercase;color:var(--gold-soft);font-weight:500;margin-bottom:18px}
.foot ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:11px}
.foot a{text-decoration:none;transition:color .2s}
.foot a:hover{color:var(--champagne)}
.foot__brand img{width:190px;margin-bottom:20px}
.foot__brand p{max-width:34ch;line-height:1.6}
.foot__social{display:flex;gap:10px;margin-top:22px}
.foot__social a{width:36px;height:36px;border:1px solid rgba(248,244,238,.2);border-radius:50%;display:grid;place-items:center;transition:border-color .2s,background .2s}
.foot__social a:hover{border-color:var(--gold-soft);background:rgba(226,196,138,.1)}
.foot__social svg{width:15px;height:15px;fill:currentColor}
.foot__legal{border-top:1px solid rgba(248,244,238,.13);padding-block:30px 44px;display:flex;flex-direction:column;gap:18px}
.foot__legal p{font-size:.76rem;line-height:1.62;color:rgba(248,244,238,.46);max-width:100ch}
.foot__legal .base{display:flex;flex-wrap:wrap;justify-content:space-between;gap:14px;font-size:.78rem;padding-top:6px;border-top:1px solid rgba(248,244,238,.09)}

/* ---------- motion ---------- */
html.js .rise{opacity:0;transform:translateY(18px)}
.rise{transition:opacity .7s cubic-bezier(.2,.7,.3,1),transform .7s cubic-bezier(.2,.7,.3,1);transition-delay:calc(var(--i,0)*70ms)}
html.js .rise.in{opacity:1;transform:none}
.hero .rise{transition-duration:.85s}
.draw{stroke-dasharray:var(--len);stroke-dashoffset:var(--len);animation:draw 2.1s cubic-bezier(.36,.1,.2,1) .25s forwards}
@keyframes draw{to{stroke-dashoffset:0}}
.pop{opacity:0;animation:pop .6s cubic-bezier(.2,1.4,.4,1) 1.85s forwards}
@keyframes pop{from{opacity:0;transform:scale(.2)}to{opacity:1;transform:scale(1)}}
.ridge-fill{opacity:0;animation:fadein 1.4s ease 1.1s forwards}
@keyframes fadein{to{opacity:1}}

@media (prefers-reduced-motion: reduce){
  *,*::before,*::after{animation-duration:.001ms !important;animation-delay:0ms !important;transition-duration:.001ms !important}
  html{scroll-behavior:auto}
  .rise{opacity:1;transform:none}
  .draw{stroke-dashoffset:0}
  .pop,.ridge-fill{opacity:1}
}
/* ══════ header dropdown ══════ */
.has-menu{position:relative}
.menu-btn{background:none;border:0;padding:4px 0;font-size:.9rem;color:var(--muted);cursor:pointer;display:inline-flex;align-items:center;gap:.45em;font-family:var(--body)}
.menu-btn:hover,.has-menu[data-open="true"] .menu-btn{color:var(--emerald)}
.menu-btn svg{width:9px;height:6px;transition:transform .25s}
.has-menu[data-open="true"] .menu-btn svg{transform:rotate(180deg)}
.menu{position:absolute;top:calc(100% + 18px);left:-16px;width:340px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:0 24px 56px -26px rgba(21,37,32,.4);padding:8px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .22s,transform .22s,visibility .22s;z-index:5}
.menu::before{content:"";position:absolute;top:-18px;left:0;right:0;height:18px}
.has-menu[data-open="true"] .menu{opacity:1;visibility:visible;transform:none}
.menu a{display:block;padding:12px 14px;border-radius:var(--r-md);text-decoration:none;transition:background .2s}
.menu a::after{display:none}
.menu a:hover{background:var(--sand)}
.menu b{display:block;font-size:.92rem;font-weight:600;color:var(--emerald);margin-bottom:3px}
.menu b .pin{display:inline-block;font-family:var(--mono);font-size:.6rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);border:1px solid var(--gold);border-radius:100px;padding:2px 7px;margin-left:8px;vertical-align:1px;font-weight:400}
.menu span{display:block;font-size:.81rem;color:var(--muted);line-height:1.45}
.drawer .sub{display:flex;flex-direction:column;gap:0;margin:2px 0 10px;padding-left:2px}
.drawer .sub a{font-family:var(--body);font-size:1rem;color:var(--gold-soft);border:0;padding:7px 0 7px 18px;position:relative}
.drawer .sub a::before{content:"";position:absolute;left:0;top:50%;width:8px;height:1px;background:rgba(226,196,138,.6)}

/* ══════ beginner explainer ══════ */
.steps3{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(18px,2.6vw,32px);margin-top:clamp(34px,4vw,50px)}
@media(max-width:820px){.steps3{grid-template-columns:1fr;gap:26px}}
.step3__n{font-family:var(--mono);font-size:.68rem;letter-spacing:.16em;color:var(--gold);text-transform:uppercase}
.step3 h3{margin-top:12px;font-size:1.32rem;max-width:18ch}
.step3 p{margin-top:11px;color:var(--muted);font-size:.96rem}
.equity-fig{margin-top:clamp(34px,4.5vw,56px);background:var(--paper);border:1px solid var(--line);border-radius:var(--r-xl);padding:clamp(24px,3vw,40px)}
.equity-fig svg{width:100%;height:auto;display:block}
.legend{display:flex;flex-wrap:wrap;gap:20px;margin-bottom:22px}
.legend span{display:inline-flex;align-items:center;gap:9px;font-size:.84rem;color:var(--muted)}
.legend i{width:13px;height:13px;border-radius:3px;display:block}
.equity-fig figcaption{margin-top:20px;font-size:.9rem;color:var(--muted);max-width:70ch}
.equity-fig figcaption b{color:var(--emerald);font-weight:600}

/* ══════ featured service card ══════ */
.card--feature{grid-column:1/-1;background:var(--emerald);border-color:transparent;color:var(--champagne);display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:clamp(24px,3.5vw,52px);position:relative}
@media(max-width:820px){.card--feature{grid-template-columns:1fr;gap:24px}}
.card--feature:hover{border-color:transparent;transform:translateY(-4px)}
.card--feature h3{color:var(--champagne);font-size:clamp(1.6rem,2.6vw,2.15rem);max-width:16ch}
.card--feature p{color:rgba(248,244,238,.7);font-size:1.02rem}
.card--feature .card__glyph{color:var(--gold-soft);width:34px;height:34px}
.card--feature .tag{border-color:rgba(248,244,238,.24);background:rgba(248,244,238,.05);color:rgba(248,244,238,.72)}
.card--feature .textlink{color:var(--gold-soft);border-color:rgba(226,196,138,.45)}
.card--feature .textlink:hover{border-color:var(--gold-soft)}
.card--feature::after{background:var(--gold-soft)}
.feature__flag{font-family:var(--mono);font-size:.63rem;letter-spacing:.16em;text-transform:uppercase;color:var(--emerald);background:var(--gold-soft);border-radius:100px;padding:5px 12px;display:inline-block;margin-bottom:20px}
.feature__list{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;border-top:1px solid rgba(248,244,238,.18)}
.feature__list li{padding:13px 0;border-bottom:1px solid rgba(248,244,238,.18);font-size:.93rem;color:rgba(248,244,238,.78);display:flex;gap:12px}
.feature__list li::before{content:"";flex:none;width:9px;height:5px;border-left:1.5px solid var(--gold-soft);border-bottom:1.5px solid var(--gold-soft);transform:rotate(-45deg);margin-top:7px}

/* ══════ tool tabs ══════ */
.tabs{display:inline-flex;background:var(--sand);border-radius:100px;padding:4px;gap:3px;margin-top:clamp(26px,3vw,36px);flex-wrap:wrap}
.tabs button{border:0;background:none;padding:11px 22px;border-radius:100px;font-size:.9rem;cursor:pointer;color:var(--muted);transition:background .25s,color .25s;font-family:var(--body)}
.tabs button[aria-selected="true"]{background:var(--paper);color:var(--emerald);box-shadow:0 1px 3px rgba(21,37,32,.12)}
[role="tabpanel"][hidden]{display:none}
.verdict{border-radius:var(--r-lg);padding:22px 24px;background:rgba(248,244,238,.07);border:1px solid rgba(248,244,238,.2)}
.verdict--yes{border-color:rgba(226,196,138,.55);background:rgba(226,196,138,.1)}
.verdict > p{font-size:.87rem;color:rgba(248,244,238,.68);margin-top:12px}
.verdict .verdict__h{font-size:.95rem;font-weight:600;color:var(--gold-soft);margin-top:0}
.verdict .verdict__k{font-family:var(--mono);font-weight:300;font-size:clamp(1.7rem,3.4vw,2.2rem);line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums;margin-top:10px;color:var(--champagne)}
.explain{font-size:.88rem;color:rgba(248,244,238,.62);border-top:1px solid rgba(248,244,238,.16);padding-top:18px}
.explain b{color:var(--gold-soft);font-weight:500}

/* ══════ jargon decoder ══════ */
.jargon{display:grid;grid-template-columns:1fr 1fr;gap:0 clamp(28px,4.5vw,64px);margin-top:clamp(32px,4vw,46px);border-top:1px solid var(--line)}
@media(max-width:760px){.jargon{grid-template-columns:1fr}}
.jargon div{padding:20px 0;border-bottom:1px solid var(--line)}
.jargon dt{font-size:1rem;font-weight:600;margin-bottom:6px}
.jargon dt em{font-style:normal;font-family:var(--mono);font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-left:9px}
.jargon dd{margin:0;font-size:.94rem;color:var(--muted);max-width:46ch}

/* ══════ interior pages ══════ */
.crumb{display:flex;flex-wrap:wrap;gap:.6em;align-items:center;font-family:var(--mono);font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:clamp(30px,4vw,48px)}
.crumb a{text-decoration:none;transition:color .2s}
.crumb a:hover{color:var(--gold)}
.crumb span[aria-hidden]{color:var(--line-strong)}
.crumb span[aria-current]{color:var(--emerald)}
.interior{display:grid;grid-template-columns:minmax(0,1fr) 260px;gap:clamp(32px,5vw,72px);align-items:start}
@media(max-width:940px){.interior{grid-template-columns:1fr;gap:36px}}
.interior h1{margin-top:20px;max-width:17ch}
.interior .lead{margin-top:24px;max-width:52ch}
.interior__aside{border-left:1px solid var(--line);padding-left:clamp(20px,2.4vw,30px);padding-top:6px}
@media(max-width:940px){.interior__aside{border-left:0;border-top:1px solid var(--line);padding-left:0;padding-top:26px;max-width:420px}}
.jump{list-style:none;margin:0;padding:0;display:flex;flex-direction:column}
.jump a{display:block;padding:11px 0;border-bottom:1px solid var(--line);text-decoration:none;font-size:.92rem;color:var(--muted);transition:color .2s,padding-left .25s}
.jump li:last-child a{border-bottom:0}
.jump a:hover{color:var(--emerald);padding-left:6px}

.myths{margin-top:clamp(34px,4vw,50px);border-top:1px solid var(--line)}
.myth{padding:clamp(24px,2.8vw,32px) 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(20px,4vw,52px)}
@media(max-width:760px){.myth{grid-template-columns:1fr;gap:12px}}
.myth__wrong{font-family:var(--display);font-size:1.32rem;font-weight:300;line-height:1.28;color:var(--emerald);max-width:22ch}
.myth p:last-child{color:var(--muted);font-size:.97rem}

.planner{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);background:var(--paper);border:1px solid var(--line);border-radius:var(--r-xl);overflow:hidden;margin-top:clamp(32px,4vw,48px)}
@media(max-width:880px){.planner{grid-template-columns:1fr}}
.planner__inputs{padding:clamp(28px,3.4vw,44px)}
.planner__out{padding:clamp(28px,3.4vw,44px);background:var(--emerald);color:var(--champagne)}
.tiers{margin-top:20px;display:flex;flex-direction:column}
.tier{padding:18px 0;border-bottom:1px solid rgba(248,244,238,.16)}
.tier:last-child{border-bottom:0;padding-bottom:0}
.tier__top{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.tier__name{font-size:.94rem}
.tier__name b{font-family:var(--mono);color:var(--gold-soft);font-weight:400;margin-right:.5em}
.tier__amt{font-family:var(--mono);font-variant-numeric:tabular-nums;font-size:1.06rem}
.tier__bar{height:3px;background:rgba(248,244,238,.16);border-radius:3px;margin-top:11px;overflow:hidden}
.tier__fill{height:100%;background:var(--gold-soft);border-radius:3px;width:0;transition:width .4s cubic-bezier(.2,.7,.3,1)}
.tier__note{font-size:.82rem;color:rgba(248,244,238,.62);margin-top:9px}
.tier__note b{color:var(--gold-soft);font-weight:500}
.tier--done .tier__fill{background:var(--gold)}

.check{list-style:none;margin:clamp(32px,4vw,46px) 0 0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:0 clamp(24px,4vw,56px);border-top:1px solid var(--line)}
@media(max-width:760px){.check{grid-template-columns:1fr}}
.check li{padding:20px 0;border-bottom:1px solid var(--line);font-size:.95rem;color:var(--muted);position:relative;padding-left:30px}
.check li::before{content:"";position:absolute;left:2px;top:26px;width:10px;height:6px;border-left:1.5px solid var(--gold);border-bottom:1.5px solid var(--gold);transform:rotate(-45deg)}
.check li b{display:block;color:var(--emerald);font-weight:600;font-size:1rem;margin-bottom:5px;font-family:var(--body)}

.callout{margin-top:clamp(30px,3.5vw,42px);background:var(--sand);border-radius:var(--r-lg);padding:clamp(22px,2.6vw,30px);border-left:3px solid var(--gold)}
.callout p{font-size:.97rem;color:var(--emerald)}
.callout b{font-weight:600}

.schemes{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:clamp(34px,4vw,50px)}
@media(max-width:900px){.schemes{grid-template-columns:1fr}}
.scheme{border:1px solid rgba(248,244,238,.2);border-radius:var(--r-lg);padding:clamp(24px,2.6vw,32px);display:flex;flex-direction:column;transition:border-color .3s,background .3s}
.scheme:hover{border-color:rgba(226,196,138,.5);background:rgba(248,244,238,.04)}
.scheme__tag{font-family:var(--mono);font-size:.65rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-soft)}
.scheme h3{margin-top:14px;font-size:1.3rem}
.scheme p{margin-top:12px;font-size:.94rem;color:rgba(248,244,238,.66)}
.scheme__watch{margin-top:auto;padding-top:20px;font-family:var(--mono);font-size:.7rem;letter-spacing:.04em;color:var(--gold-soft) !important}
.card__more{margin-top:22px;display:inline-flex}

.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:16px}
@media(max-width:980px){.cards3{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.cards3{grid-template-columns:1fr}}
.calc__aside{margin-top:auto;padding-top:26px;border-top:1px solid var(--line)}
.calc__aside p{font-size:.86rem;color:var(--muted)}
.calc__inputs{display:flex;flex-direction:column}

/* burger → cross, and an inverted header while the drawer is open */
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(6.5px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}
.logo .mark--light,.logo .word--light{display:none}
body[data-lock="true"] .nav,body[data-lock="true"] .nav.stuck{background:transparent;backdrop-filter:none;-webkit-backdrop-filter:none;border-bottom-color:transparent}
body[data-lock="true"] .logo .mark,body[data-lock="true"] .logo .word{display:none}
body[data-lock="true"] .logo .mark--light,body[data-lock="true"] .logo .word--light{display:block}
body[data-lock="true"] .burger{border-color:rgba(248,244,238,.45)}
body[data-lock="true"] .burger span{background:var(--champagne)}

/* italic emphasis inherited the light-theme ink on dark sections */
.dark h1 em,.dark h2 em,.dark h3 em,.band h1 em,.band h2 em,.band h3 em,.card--feature h3 em{color:inherit}

/* anchor targets must clear the sticky header */
section[id], main [id], .faq details[id]{scroll-margin-top:96px}
@media(max-width:620px){section[id], main [id]{scroll-margin-top:82px}}
#top{scroll-margin-top:0}

/* tap targets: text links need real height on touch screens */
.foot ul{gap:3px}
.foot ul li a{display:inline-block;padding:8px 0}
.foot ul li{line-height:1.4}
.nav__phone{display:inline-block;padding:8px 0}
@media(max-width:1000px){.nav__phone{display:none}}
.crumb a{display:inline-block;padding:5px 0}
.foot__legal .base a{display:inline-block;padding:6px 2px}

.details a,.details span{padding-block:17px}
.textlink{padding-bottom:6px;padding-top:4px}

.drawer .drawer__foot a{padding:9px 0}
@media(max-width:940px){.crumb a{padding:8px 0}}

/* ── logo sizing: matched to the surrounding type ── */
.logo{gap:13px}
.logo img.mark{width:42px;height:42px}
.logo img.word{width:242px}
@media(max-width:1180px){
  .logo img.mark{width:38px;height:38px}
  .logo img.word{width:214px}
}
@media(max-width:1000px){
  .logo img.mark{width:42px;height:42px}
  .logo img.word{width:242px}
}
@media(max-width:620px){
  .logo{gap:10px}
  .logo img.mark{width:34px;height:34px}
  .logo img.word{width:186px}
}
@media(max-width:360px){
  .logo img.mark{width:30px;height:30px}
  .logo img.word{width:158px}
}
.nav__in{padding-block:18px}
.foot__brand img{width:252px}

.foot__tag{font-family:var(--display);font-size:1.5rem;font-weight:300;font-style:italic;color:var(--gold-soft);margin-bottom:12px}
/* svg text in the equity figure */
.eq-val{font-family:var(--mono);font-size:13px;fill:var(--emerald)}
.eq-yr{font-family:var(--mono);font-size:10px;letter-spacing:.1em;fill:var(--muted)}
.eq-owe{font-family:var(--body);font-size:11.5px;fill:var(--muted)}
.eq-eqy{font-family:var(--body);font-size:11.5px;fill:#8F6A1F;font-weight:600}