/* ============================================================
   Better Life Investments — Site Stylesheet
   Palette: navy + teal (no warm accents)
   ============================================================ */

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img, svg { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: 0; background: none; color: inherit; }
input, textarea, select { font: inherit; color: inherit; }
hr { border: 0; height: 1px; background: var(--line); margin: 2rem 0; }

/* ---------- Variables ---------- */
:root {
  --navy:       #0E1B2C;
  --navy-2:     #15263D;
  --navy-3:     #1F3554;
  --teal:       #1F6F7F;
  --teal-deep:  #134E5E;
  --teal-light: #4FA3B0;
  --teal-bright:#5BB5BF;
  --teal-pale:  #E6F0F2;
  --cream:      #FAF7F2;
  --cream-2:    #F2EDE3;
  --ink:        #1A1A1A;
  --muted:      #6B6B6B;
  --line:       #E5DFD3;
  --shadow:     0 10px 40px -10px rgba(14,27,44,.18);
  --shadow-lg:  0 20px 60px -20px rgba(14,27,44,.35);
  --radius:     14px;
  --radius-lg:  18px;
}

/* ---------- Type ---------- */
h1, h2, h3, h4 {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: -0.01em;
  color: var(--navy);
  margin: 0 0 .5em;
}
h1 { font-size: clamp(2.4rem, 5.5vw, 4.5rem); font-weight: 500; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.85rem, 3.6vw, 2.9rem); }
h3 { font-size: 1.25rem; }
h4 { font-size: 1.05rem; }
p  { margin: 0 0 1em; }
em.accent { font-style: italic; color: var(--teal); font-weight: 400; }
.hero em.accent, .dark em.accent { color: var(--teal-bright); }

.eyebrow {
  text-transform: uppercase;
  letter-spacing: .18em;
  font-size: .78rem;
  font-weight: 600;
  color: var(--teal);
  margin-bottom: 1rem;
  font-family: 'Inter', sans-serif;
  display: inline-block;
}
.dark .eyebrow { color: var(--teal-bright); }
.lead {
  font-size: 1.15rem;
  color: var(--muted);
  max-width: 62ch;
}
.dark .lead { color: rgba(250,247,242,.82); }

/* ---------- Layout ---------- */
.wrap { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 1.5rem; }
.wrap-narrow { max-width: 880px; margin: 0 auto; padding: 0 1.5rem; }
section { padding: clamp(4rem, 8vw, 7rem) 0; }
section.tight { padding: clamp(2.5rem, 5vw, 4rem) 0; }

.section-head { max-width: 720px; margin-bottom: 3rem; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

.divider { height: 1px; background: var(--line); margin: 0; }
.dark .divider { background: rgba(255,255,255,.1); }

/* ---------- Nav ---------- */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(250, 247, 242, .9);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 78px;
}
.brand {
  display: flex; align-items: center; gap: .8rem;
  font-family: 'Fraunces', serif;
}
.brand-mark { width: 42px; height: 42px; flex-shrink: 0; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name {
  font-size: 1.05rem; font-weight: 600; color: var(--navy);
  letter-spacing: -0.01em;
}
.brand-tag {
  font-family: 'Inter', sans-serif;
  font-size: .68rem; font-weight: 500;
  text-transform: uppercase; letter-spacing: .18em;
  color: var(--teal); margin-top: 3px;
}
.nav-links { display: flex; gap: 2rem; align-items: center; }
.nav-links a {
  font-size: .92rem; font-weight: 500; color: var(--navy);
  transition: color .2s;
  position: relative;
}
.nav-links a:hover { color: var(--teal); }
.nav-links a[aria-current="page"] {
  color: var(--teal);
}
.nav-links a[aria-current="page"]::after {
  content: ""; position: absolute;
  bottom: -6px; left: 0; right: 0;
  height: 2px; background: var(--teal);
  border-radius: 2px;
}
.nav-links a.nav-cta {
  background: var(--navy); color: var(--cream) !important;
  padding: .65rem 1.1rem; border-radius: 999px;
  font-size: .88rem; font-weight: 600;
  transition: background .2s, transform .2s;
}
.nav-links a.nav-cta:hover { background: var(--teal); transform: translateY(-1px); }
.nav-links a.nav-cta[aria-current="page"]::after { display: none; }
.nav-links a.nav-cta[aria-current="page"] { background: var(--teal); }

.nav-toggle {
  display: none;
  padding: .5rem;
  color: var(--navy);
}
@media (max-width: 880px) {
  .nav-links { display: none; }
  .nav-links.open {
    display: flex; flex-direction: column; align-items: stretch;
    position: absolute; top: 78px; left: 0; right: 0;
    background: var(--cream); padding: 1.5rem; gap: 1.25rem;
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow);
  }
  .nav-links.open a[aria-current="page"]::after { display: none; }
  .nav-links a.nav-cta { text-align: center; }
  .nav-toggle { display: block; }
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: .55rem;
  padding: .95rem 1.6rem;
  border-radius: 999px;
  font-weight: 600; font-size: .98rem;
  border: 1.5px solid transparent;
  transition: all .25s ease;
  white-space: nowrap;
  text-align: center; justify-content: center;
}
.btn-primary {
  background: var(--teal); color: #fff;
  box-shadow: 0 8px 24px -10px rgba(31, 111, 127, .55);
}
.btn-primary:hover {
  background: var(--teal-deep);
  transform: translateY(-2px);
  box-shadow: 0 14px 30px -10px rgba(31, 111, 127, .65);
}
.btn-secondary {
  background: transparent; color: var(--navy);
  border-color: var(--navy);
}
.btn-secondary:hover { background: var(--navy); color: var(--cream); }
.btn-ghost {
  background: rgba(255,255,255,.08); color: var(--cream);
  border-color: rgba(255,255,255,.25);
}
.btn-ghost:hover { background: rgba(255,255,255,.16); border-color: rgba(255,255,255,.5); }
.btn-dark {
  background: var(--navy); color: var(--cream);
}
.btn-dark:hover { background: var(--teal); }
.btn-block { width: 100%; }
.btn .arrow { transition: transform .25s; }
.btn:hover .arrow { transform: translateX(3px); }

/* ---------- Home Hero ---------- */
.hero {
  position: relative;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 55%, var(--teal-deep) 100%);
  color: var(--cream);
  overflow: hidden;
  padding: clamp(5rem, 10vw, 8rem) 0 clamp(5rem, 9vw, 7rem);
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(circle at 80% 20%, rgba(91,181,191,.18) 0%, transparent 50%),
    radial-gradient(circle at 10% 90%, rgba(79,163,176,.12) 0%, transparent 45%);
  pointer-events: none;
}
.hero-inner { position: relative; z-index: 1; max-width: 920px; }
.hero h1 { color: var(--cream); margin-bottom: 1.5rem; }
.hero .lead { color: rgba(250, 247, 242, .82); font-size: clamp(1.1rem, 1.6vw, 1.3rem); margin-bottom: 2.5rem; max-width: 56ch; }
.hero-cta { display: flex; gap: 1rem; flex-wrap: wrap; }

.hero-stats {
  margin-top: clamp(3.5rem, 6vw, 5rem);
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 2rem;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(255,255,255,.15);
  max-width: 920px;
}
.hero-stat .num {
  font-family: 'Fraunces', serif;
  font-size: 2.4rem; font-weight: 500;
  color: var(--teal-bright); line-height: 1;
  margin-bottom: .5rem;
}
.hero-stat .lbl {
  font-size: .82rem; text-transform: uppercase;
  letter-spacing: .12em; color: rgba(250,247,242,.7);
}

/* ---------- Sub-page Hero (slimmer) ---------- */
.sub-hero {
  position: relative;
  background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 60%, var(--teal-deep) 100%);
  color: var(--cream);
  overflow: hidden;
  padding: clamp(4rem, 7vw, 6rem) 0 clamp(3.5rem, 6vw, 5rem);
}
.sub-hero::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(circle at 85% 30%, rgba(91,181,191,.18) 0%, transparent 50%);
  pointer-events: none;
}
.sub-hero-inner { position: relative; z-index: 1; max-width: 820px; }
.sub-hero h1 { color: var(--cream); font-size: clamp(2.1rem, 4.5vw, 3.6rem); }
.sub-hero .lead { color: rgba(250, 247, 242, .82); }

/* ---------- Teal Banner ---------- */
.teal-banner {
  background: var(--teal); color: #fff;
  padding: 2.25rem 0;
}
.teal-banner .wrap {
  display: flex; flex-wrap: wrap; align-items: center;
  justify-content: space-between; gap: 1.5rem;
}
.teal-banner h2 {
  color: #fff; margin: 0;
  font-size: clamp(1.4rem, 2.4vw, 1.9rem);
  font-weight: 500;
}
.teal-banner p { color: rgba(255,255,255,.9); margin: .35rem 0 0; max-width: 50ch; }
.teal-banner .btn-dark { background: var(--navy); color: var(--cream); }
.teal-banner .btn-dark:hover { background: var(--cream); color: var(--navy); }

/* ---------- Service Cards ---------- */
.services {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}
.service {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2rem 1.75rem;
  transition: all .3s ease;
  position: relative;
  overflow: hidden;
}
.service::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0;
  width: 3px; background: var(--teal);
  transform: scaleY(0); transform-origin: top;
  transition: transform .35s ease;
}
.service:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: transparent;
}
.service:hover::before { transform: scaleY(1); }
.service-icon {
  width: 48px; height: 48px;
  color: var(--teal); margin-bottom: 1.25rem;
}
.service h3 { margin-bottom: .6rem; }
.service p { color: var(--muted); margin: 0; font-size: .96rem; }
.service .tag {
  display: inline-block;
  font-size: .72rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: .1em;
  color: var(--teal);
  background: var(--teal-pale);
  padding: .25rem .65rem; border-radius: 999px;
  margin-top: 1rem;
}
.service a.link-arrow {
  display: inline-flex; align-items: center; gap: .4rem;
  margin-top: 1rem;
  font-size: .9rem; font-weight: 600; color: var(--teal);
  border-bottom: 1px solid var(--teal);
  padding-bottom: 2px;
  transition: color .2s, border-color .2s, gap .2s;
}
.service a.link-arrow:hover { color: var(--teal-deep); border-color: var(--teal-deep); gap: .6rem; }

/* ---------- Detailed service blocks (services page) ---------- */
.service-detail {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 4rem;
  align-items: center;
  padding: clamp(2.5rem, 5vw, 4rem) 0;
  border-top: 1px solid var(--line);
}
.service-detail:first-of-type { border-top: 0; padding-top: 0; }
.service-detail.reverse > :first-child { order: 2; }
@media (max-width: 820px) {
  .service-detail { grid-template-columns: 1fr; gap: 2rem; }
  .service-detail.reverse > :first-child { order: 0; }
}
.service-visual {
  aspect-ratio: 4 / 3;
  background: linear-gradient(135deg, var(--teal-deep), var(--teal));
  border-radius: var(--radius-lg);
  display: grid; place-items: center;
  color: rgba(255,255,255,.7);
  position: relative;
  overflow: hidden;
}
.service-visual.alt { background: linear-gradient(135deg, var(--navy), var(--navy-2)); }
.service-visual .big-ico { width: 80px; height: 80px; opacity: .85; }
.service-visual::after {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(circle at 80% 20%, rgba(255,255,255,.15) 0%, transparent 50%);
}

.service-detail h2 { margin-bottom: 1rem; }
.service-detail ul {
  list-style: none; padding: 0; margin: 1.5rem 0 0;
}
.service-detail ul li {
  position: relative; padding-left: 1.75rem;
  margin-bottom: .7rem; color: var(--ink);
}
.service-detail ul li::before {
  content: ""; position: absolute;
  left: 0; top: .6em;
  width: 8px; height: 8px;
  background: var(--teal);
  border-radius: 50%;
}

/* ---------- Why list ---------- */
.why { background: var(--cream-2); }
.why-grid {
  display: grid; gap: 3rem;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  margin-top: 2rem;
}
@media (max-width: 820px) { .why-grid { grid-template-columns: 1fr; } }
.why-list { list-style: none; padding: 0; margin: 0; }
.why-list li {
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--line);
  display: flex; gap: 1rem; align-items: flex-start;
}
.why-list li:last-child { border-bottom: 0; }
.why-list .check {
  flex-shrink: 0;
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--teal); color: #fff;
  display: grid; place-items: center;
  margin-top: 2px;
}
.why-list strong {
  display: block; font-size: 1.05rem; color: var(--navy);
  font-family: 'Fraunces', serif; font-weight: 600;
  margin-bottom: .15rem;
}
.why-list span { color: var(--muted); font-size: .95rem; }

/* ---------- Situation cards (sell page) ---------- */
.situations {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.25rem;
  margin-top: 2.5rem;
}
.situation {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.5rem;
  transition: all .25s;
}
.situation:hover {
  border-color: var(--teal-light);
  box-shadow: var(--shadow);
  transform: translateY(-2px);
}
.situation .ico {
  width: 36px; height: 36px;
  color: var(--teal); margin-bottom: 1rem;
}
.situation h4 { margin: 0 0 .35rem; color: var(--navy); }
.situation p { color: var(--muted); font-size: .9rem; margin: 0; }

/* ---------- Process steps ---------- */
.process {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
  counter-reset: step;
}
.step {
  position: relative;
  padding: 2rem 1.5rem 1.75rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  counter-increment: step;
}
.step::before {
  content: counter(step, decimal-leading-zero);
  position: absolute;
  top: -16px; left: 1.5rem;
  background: var(--navy); color: var(--teal-bright);
  font-family: 'Fraunces', serif;
  font-size: .95rem; font-weight: 600;
  padding: .35rem .8rem;
  border-radius: 999px;
  letter-spacing: .05em;
}
.step h4 { margin: .5rem 0 .5rem; color: var(--navy); font-size: 1.1rem; }
.step p { color: var(--muted); font-size: .94rem; margin: 0; }

/* ---------- Comparison table ---------- */
.compare {
  margin-top: 2.5rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.compare-row {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  border-bottom: 1px solid var(--line);
}
.compare-row:last-child { border-bottom: 0; }
.compare-row > div {
  padding: 1.1rem 1.25rem;
  display: flex; align-items: center; gap: .6rem;
  font-size: .96rem;
}
.compare-row.head > div {
  background: var(--navy);
  color: var(--cream);
  font-family: 'Fraunces', serif;
  font-weight: 500;
  font-size: 1rem;
  padding: 1.25rem;
}
.compare-row.head > div:first-child { background: var(--navy-2); }
.compare-row > div:first-child {
  font-weight: 500; color: var(--navy);
  background: var(--cream-2);
}
.compare-row .yes { color: var(--teal); }
.compare-row .no  { color: #b14d4d; }
.compare-row .ico { width: 18px; height: 18px; flex-shrink: 0; }
@media (max-width: 680px) {
  .compare-row { grid-template-columns: 1fr; }
  .compare-row > div { border-bottom: 1px solid var(--line); }
  .compare-row.head > div:first-child { background: var(--navy); }
  .compare-row > div:first-child { font-weight: 600; }
}

/* ---------- Investor section ---------- */
.investor {
  background: var(--navy); color: var(--cream);
  position: relative; overflow: hidden;
}
.investor::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(circle at 90% 10%, rgba(91,181,191,.12) 0%, transparent 50%),
    radial-gradient(circle at 0% 100%, rgba(31,111,127,.5) 0%, transparent 40%);
  pointer-events: none;
}
.investor .wrap { position: relative; z-index: 1; }
.investor h2 { color: var(--cream); }
.investor p { color: rgba(250,247,242,.82); }
.investor-grid {
  display: grid; gap: 4rem;
  grid-template-columns: 1.1fr 1fr;
  align-items: start;
  margin-top: 2.5rem;
}
@media (max-width: 820px) { .investor-grid { grid-template-columns: 1fr; gap: 2.5rem; } }
.investor-points { display: grid; gap: 1.25rem; margin-top: 2rem; }
.investor-point {
  display: flex; gap: 1rem; align-items: flex-start;
  padding: 1.25rem;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 12px;
}
.investor-point .ico {
  flex-shrink: 0; width: 36px; height: 36px;
  color: var(--teal-bright);
}
.investor-point h4 {
  color: var(--cream); margin: 0 0 .3rem;
  font-size: 1.05rem;
}
.investor-point p { margin: 0; font-size: .92rem; color: rgba(250,247,242,.7); }

.investor-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius-lg);
  padding: 2.25rem;
  backdrop-filter: blur(10px);
}
.investor-card h3 { color: var(--cream); margin-bottom: 1rem; }
.investor-card p { font-size: .98rem; }
.investor-card .form-row { margin-bottom: 1rem; }
.investor-card label {
  display: block;
  font-size: .82rem; font-weight: 500;
  color: rgba(250,247,242,.85);
  margin-bottom: .4rem;
}
.investor-card input,
.investor-card select,
.investor-card textarea {
  width: 100%;
  padding: .8rem 1rem;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 8px;
  color: var(--cream);
  transition: border-color .2s, background .2s;
}
.investor-card input::placeholder,
.investor-card textarea::placeholder { color: rgba(250,247,242,.4); }
.investor-card input:focus,
.investor-card select:focus,
.investor-card textarea:focus {
  outline: none; border-color: var(--teal-bright);
  background: rgba(255,255,255,.12);
}
.investor-card select option { background: var(--navy); color: var(--cream); }
.investor-card .btn { width: 100%; }
.accredited-check {
  display: flex; gap: .65rem; align-items: flex-start;
  font-size: .85rem; color: rgba(250,247,242,.75);
  margin-bottom: 1rem;
}
.accredited-check input { width: auto; margin-top: 4px; }
.legal-note {
  margin-top: 1.5rem;
  font-size: .75rem;
  color: rgba(250,247,242,.55);
  line-height: 1.55;
  border-top: 1px solid rgba(255,255,255,.1);
  padding-top: 1rem;
}

/* ---------- Two-column generic ---------- */
.two-col {
  display: grid; gap: 4rem;
  grid-template-columns: 1fr 1.3fr;
  align-items: center;
}
.two-col.equal { grid-template-columns: 1fr 1fr; }
.two-col.reverse > :first-child { order: 2; }
@media (max-width: 820px) {
  .two-col { grid-template-columns: 1fr; gap: 2rem; }
  .two-col.reverse > :first-child { order: 0; }
}

/* ---------- Value cards (about page) ---------- */
.values {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}
.value-card {
  padding: 2rem 1.75rem;
  background: var(--cream-2);
  border-radius: var(--radius);
  border-top: 3px solid var(--teal);
}
.value-card .num {
  font-family: 'Fraunces', serif;
  font-size: 2rem; color: var(--teal);
  line-height: 1; margin-bottom: 1rem; font-weight: 500;
}
.value-card h4 { margin: 0 0 .4rem; }
.value-card p { color: var(--muted); font-size: .95rem; margin: 0; }

/* ---------- Pull quote ---------- */
.pull-quote {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.4rem, 2.5vw, 1.9rem);
  line-height: 1.4;
  color: var(--navy);
  padding: 2.5rem;
  background: var(--teal-pale);
  border-left: 4px solid var(--teal);
  border-radius: 0 var(--radius) var(--radius) 0;
  margin: 2.5rem 0;
  font-style: italic;
  font-weight: 500;
}
.pull-quote cite {
  display: block;
  font-size: .9rem;
  font-style: normal;
  font-weight: 500;
  color: var(--teal-deep);
  margin-top: 1rem;
  font-family: 'Inter', sans-serif;
  letter-spacing: .05em;
}

/* ---------- FAQ Accordion ---------- */
.faq-group {
  margin-top: 2rem;
}
.faq-group h3 {
  font-size: .8rem;
  text-transform: uppercase;
  letter-spacing: .15em;
  color: var(--teal);
  margin: 2.5rem 0 1rem;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
}
.faq-group h3:first-child { margin-top: 0; }

details.faq {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  margin-bottom: .75rem;
  overflow: hidden;
  transition: border-color .2s, box-shadow .2s;
}
details.faq[open] {
  border-color: var(--teal-light);
  box-shadow: var(--shadow);
}
details.faq summary {
  list-style: none;
  padding: 1.25rem 3rem 1.25rem 1.5rem;
  cursor: pointer;
  font-weight: 500;
  font-family: 'Fraunces', serif;
  font-size: 1.08rem;
  color: var(--navy);
  position: relative;
  transition: color .2s;
}
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::after {
  content: "+";
  position: absolute;
  right: 1.5rem; top: 50%;
  transform: translateY(-50%);
  font-size: 1.5rem; font-weight: 300;
  color: var(--teal);
  transition: transform .3s, color .2s;
}
details.faq[open] summary::after {
  content: "−";
  color: var(--teal-deep);
}
details.faq summary:hover { color: var(--teal); }
details.faq .answer {
  padding: 0 1.5rem 1.5rem;
  color: var(--muted);
  font-size: .98rem;
  line-height: 1.6;
}
details.faq .answer p:last-child { margin-bottom: 0; }

/* ---------- Contact section ---------- */
.contact-section { background: var(--cream-2); }
.contact-grid {
  display: grid; gap: 3rem;
  grid-template-columns: 1fr 1.2fr;
  margin-top: 2rem;
}
@media (max-width: 820px) { .contact-grid { grid-template-columns: 1fr; } }

.contact-info p { font-size: 1.02rem; color: var(--muted); }
.contact-info .info-card {
  margin: 1.25rem 0;
  padding: 1.5rem;
  background: #fff;
  border-radius: var(--radius);
  border: 1px solid var(--line);
}
.contact-info .info-card h4 {
  display: flex; align-items: center; gap: .65rem;
  margin: 0 0 .5rem;
  font-size: 1.05rem;
}
.contact-info .info-card h4 .ico {
  width: 24px; height: 24px; color: var(--teal); flex-shrink: 0;
}
.contact-info .info-card p {
  margin: 0; font-size: .95rem; color: var(--muted);
}

/* ---------- Forms ---------- */
.form-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(1.75rem, 3vw, 2.5rem);
  box-shadow: var(--shadow);
}
.form-card h3 { margin-bottom: .35rem; }
.form-card .form-sub {
  color: var(--muted); font-size: .95rem; margin-bottom: 1.5rem;
}
.form-row { margin-bottom: 1.1rem; }
.form-row.two { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 520px) { .form-row.two { grid-template-columns: 1fr; } }
.form-card label {
  display: block;
  font-size: .82rem; font-weight: 600;
  color: var(--navy); margin-bottom: .35rem;
}
.form-card input,
.form-card select,
.form-card textarea {
  width: 100%;
  padding: .85rem 1rem;
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--ink);
  transition: border-color .2s, background .2s;
}
.form-card input:focus,
.form-card select:focus,
.form-card textarea:focus {
  outline: none; border-color: var(--teal);
  background: #fff;
}
.form-card textarea { resize: vertical; min-height: 100px; }
.form-card .btn { width: 100%; margin-top: .5rem; }
.form-note {
  margin-top: 1rem;
  font-size: .82rem; color: var(--muted);
}

/* ---------- CTA strip ---------- */
.cta-strip {
  background: var(--navy); color: var(--cream);
  padding: 4rem 0;
  text-align: center;
}
.cta-strip h2 { color: var(--cream); margin-bottom: 1rem; }
.cta-strip p { color: rgba(250,247,242,.8); max-width: 50ch; margin: 0 auto 2rem; }
.cta-strip .btn-group { display: inline-flex; gap: 1rem; flex-wrap: wrap; justify-content: center; }

/* ---------- Stats row ---------- */
.stats-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 2rem;
  padding: 2.5rem 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  margin: 3rem 0;
}
.stats-row .num {
  font-family: 'Fraunces', serif;
  font-size: 2.4rem; font-weight: 500;
  color: var(--teal); line-height: 1;
  margin-bottom: .4rem;
}
.stats-row .lbl {
  font-size: .85rem; color: var(--muted);
  text-transform: uppercase; letter-spacing: .1em;
}

/* ---------- Footer ---------- */
footer {
  background: var(--navy); color: rgba(250,247,242,.7);
  padding: 4rem 0 1.5rem;
}
.footer-grid {
  display: grid; gap: 3rem;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  margin-bottom: 3rem;
}
@media (max-width: 820px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 2.5rem; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }
footer h4 {
  color: var(--cream); margin: 0 0 1.25rem;
  font-family: 'Inter', sans-serif;
  font-size: .8rem; text-transform: uppercase; letter-spacing: .15em;
  font-weight: 600;
}
footer ul { list-style: none; padding: 0; margin: 0; }
footer li { margin-bottom: .65rem; }
footer a { color: rgba(250,247,242,.7); transition: color .2s; font-size: .92rem; }
footer a:hover { color: var(--teal-bright); }
footer .brand .brand-name { color: var(--cream); }
footer .brand .brand-tag { color: var(--teal-bright); }
footer p {
  color: rgba(250,247,242,.6);
  font-size: .9rem;
  margin-top: 1rem;
  max-width: 36ch;
}
.footer-bottom {
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,.1);
  display: flex; flex-wrap: wrap; gap: 1rem;
  justify-content: space-between; align-items: center;
  font-size: .82rem; color: rgba(250,247,242,.5);
}
.footer-bottom a { font-size: .82rem; }

/* ---------- Reveal animation ---------- */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .7s ease, transform .7s ease;
}
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Misc utilities ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.muted { color: var(--muted); }
.dark { background: var(--navy); color: var(--cream); }
.dark h1, .dark h2, .dark h3, .dark h4 { color: var(--cream); }
.dark p, .dark li { color: rgba(250,247,242,.8); }

/* 404 page */
.error-page {
  min-height: 60vh;
  display: grid; place-items: center;
  text-align: center;
  padding: 4rem 1.5rem;
}
.error-page .big {
  font-family: 'Fraunces', serif;
  font-size: clamp(5rem, 12vw, 9rem);
  color: var(--teal);
  line-height: 1;
  margin-bottom: 1rem;
}

/* ============================================================
   ENHANCED COMPONENTS — Phase 2
   ============================================================ */

/* ---------- Hero floaters (parallax) ---------- */
.hero-floater {
  position: absolute;
  pointer-events: none;
  opacity: .14;
  animation: floatY 14s ease-in-out infinite;
  z-index: 0;
  will-change: transform;
  transition: transform .3s ease-out;
}
.hero-floater.f1 { top: 8%;  right: 6%;  width: clamp(160px, 22vw, 280px); animation-delay: 0s; }
.hero-floater.f2 { bottom: 10%; right: 25%; width: clamp(110px, 14vw, 180px); animation-delay: -7s; opacity: .18; }
.hero-floater.f3 { top: 28%; right: 40%; width: clamp(60px, 8vw, 100px);  animation-delay: -3s; opacity: .22; }
@keyframes floatY {
  0%, 100% { translate: 0 0; rotate: 0deg; }
  50%      { translate: 0 -28px; rotate: 1.5deg; }
}
@media (prefers-reduced-motion: reduce) {
  .hero-floater { animation: none; transition: none; }
}
@media (max-width: 880px) {
  .hero-floater.f2, .hero-floater.f3 { display: none; }
  .hero-floater.f1 { opacity: .08; }
}

/* ---------- Stats counter ---------- */
.stats-counter {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 2.5rem;
  padding: clamp(3rem, 6vw, 5rem) 0;
}
.stat-counter {
  text-align: center;
  position: relative;
}
.stat-counter:not(:last-child)::after {
  content: "";
  position: absolute;
  right: -1.25rem; top: 20%; bottom: 20%;
  width: 1px; background: var(--line);
}
@media (max-width: 640px) {
  .stat-counter:not(:last-child)::after { display: none; }
}
.stat-counter .num {
  font-family: 'Fraunces', serif;
  font-size: clamp(2.6rem, 5vw, 4rem);
  font-weight: 500;
  color: var(--teal);
  line-height: 1;
  margin-bottom: .6rem;
  display: block;
}
.stat-counter .num .pre,
.stat-counter .num .suf {
  font-size: .55em;
  color: var(--teal-deep);
  vertical-align: super;
  margin: 0 .1em;
}
.stat-counter .lbl {
  color: var(--muted);
  font-size: .82rem;
  text-transform: uppercase;
  letter-spacing: .12em;
  font-weight: 500;
}

/* ---------- Testimonials ---------- */
.testimonials {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}
.testimonial {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2rem 1.75rem;
  position: relative;
  transition: all .3s;
}
.testimonial:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
  border-color: var(--teal-light);
}
.testimonial::before {
  content: "\201C";
  position: absolute;
  top: -8px; left: 1.5rem;
  font-family: 'Fraunces', serif;
  font-size: 4.5rem;
  color: var(--teal);
  line-height: 1;
  opacity: .35;
}
.testimonial-quote {
  font-family: 'Fraunces', serif;
  font-size: 1.05rem;
  line-height: 1.55;
  color: var(--navy);
  margin: .5rem 0 1.5rem;
  font-style: italic;
  font-weight: 500;
}
.testimonial-author {
  display: flex; align-items: center; gap: .75rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--line);
}
.testimonial-avatar {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--teal-light), var(--teal-deep));
  display: grid; place-items: center;
  color: #fff;
  font-weight: 600;
  font-size: .9rem;
  flex-shrink: 0;
  font-family: 'Fraunces', serif;
}
.testimonial-meta { font-size: .85rem; }
.testimonial-meta .name {
  display: block; color: var(--navy); font-weight: 600;
}
.testimonial-meta .ctx {
  color: var(--muted); font-size: .78rem;
}
.testimonial-stars {
  color: var(--teal);
  font-size: .9rem;
  margin-bottom: .5rem;
  letter-spacing: 1px;
}

/* ---------- Newsletter ---------- */
.newsletter {
  background: linear-gradient(135deg, var(--navy) 0%, var(--teal-deep) 100%);
  color: var(--cream);
  padding: clamp(2.5rem, 5vw, 3.5rem) 0;
  position: relative;
  overflow: hidden;
}
.newsletter::before {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(circle at 85% 30%, rgba(91,181,191,.18) 0%, transparent 50%),
    radial-gradient(circle at 10% 80%, rgba(79,163,176,.12) 0%, transparent 45%);
}
.newsletter .wrap {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: center;
}
@media (max-width: 720px) {
  .newsletter .wrap { grid-template-columns: 1fr; }
}
.newsletter h3 {
  color: var(--cream);
  margin: 0 0 .5rem;
  font-size: clamp(1.3rem, 2.4vw, 1.7rem);
}
.newsletter p {
  color: rgba(250,247,242,.75);
  margin: 0;
  font-size: .96rem;
}
.newsletter form {
  display: flex; gap: .5rem;
  flex-wrap: wrap;
}
.newsletter input[type="email"] {
  flex: 1; min-width: 200px;
  padding: .85rem 1.1rem;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 999px;
  color: var(--cream);
  font-family: inherit;
}
.newsletter input::placeholder { color: rgba(250,247,242,.5); }
.newsletter input:focus {
  outline: none;
  border-color: var(--teal-bright);
  background: rgba(255,255,255,.14);
}
.newsletter button {
  padding: .85rem 1.5rem;
  background: var(--teal-bright);
  color: var(--navy);
  font-weight: 600;
  border-radius: 999px;
  transition: all .2s;
  white-space: nowrap;
}
.newsletter button:hover {
  background: #fff;
  transform: translateY(-1px);
}

/* ---------- Floating CTA ---------- */
.float-cta {
  position: fixed;
  bottom: 1.5rem; right: 1.5rem;
  z-index: 40;
  opacity: 0;
  pointer-events: none;
  transform: translateY(20px);
  transition: opacity .3s, transform .3s;
}
.float-cta.visible {
  opacity: 1;
  pointer-events: auto;
  transform: none;
}
.float-cta .btn {
  background: var(--teal);
  color: #fff;
  padding: .95rem 1.5rem;
  border-radius: 999px;
  box-shadow: 0 10px 30px -8px rgba(31,111,127,.55);
  font-weight: 600;
}
.float-cta .btn:hover {
  background: var(--teal-deep);
  box-shadow: 0 14px 35px -8px rgba(31,111,127,.7);
}
.page-sell .float-cta,
.page-invest .float-cta,
.page-contact .float-cta,
.page-faq .float-cta,
.page-thank-you .float-cta,
.page-404 .float-cta { display: none; }

/* ---------- Portfolio / Project cards ---------- */
.projects {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 2rem;
  margin-top: 3rem;
}
.project {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all .3s;
}
.project:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.project-visual {
  aspect-ratio: 16 / 10;
  position: relative;
  background: linear-gradient(135deg, var(--teal-deep), var(--teal));
  display: grid; place-items: center;
  overflow: hidden;
}
.project-visual.var-2 { background: linear-gradient(135deg, var(--navy), var(--navy-2)); }
.project-visual.var-3 { background: linear-gradient(135deg, var(--teal), var(--teal-light)); }
.project-visual.var-4 { background: linear-gradient(135deg, var(--navy-2), var(--teal-deep)); }
.project-visual.var-5 { background: linear-gradient(135deg, var(--teal-deep), var(--navy)); }
.project-visual.var-6 { background: linear-gradient(135deg, var(--teal-light), var(--teal-deep)); }
.project-visual::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 70% 30%, rgba(255,255,255,.15) 0%, transparent 50%);
}
.project-visual svg.house {
  width: 55%;
  opacity: .25;
  filter: drop-shadow(0 4px 8px rgba(0,0,0,.2));
  position: relative; z-index: 1;
}
.project-visual .badge {
  position: absolute;
  top: 1rem; left: 1rem;
  background: rgba(0,0,0,.55);
  color: var(--cream);
  padding: .35rem .75rem;
  border-radius: 999px;
  font-size: .72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .1em;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  z-index: 2;
}
.project-info { padding: 1.75rem; }
.project-meta {
  display: flex;
  gap: 1rem;
  font-size: .76rem;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: .12em;
  margin-bottom: .65rem;
  font-weight: 500;
}
.project h3 { margin: 0 0 .65rem; font-size: 1.25rem; }
.project p { color: var(--muted); margin: 0 0 1.25rem; font-size: .95rem; }
.project-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--line);
}
.project-stat .num {
  font-family: 'Fraunces', serif;
  font-size: 1.4rem;
  font-weight: 500;
  color: var(--teal);
  line-height: 1;
}
.project-stat .lbl {
  font-size: .68rem;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--muted);
  margin-top: .35rem;
}

/* ---------- Timeline ---------- */
.timeline {
  position: relative;
  margin: 3rem 0;
  padding-left: 2.5rem;
}
.timeline::before {
  content: "";
  position: absolute;
  left: 16px; top: 8px; bottom: 8px;
  width: 2px;
  background: linear-gradient(to bottom, var(--teal-light), var(--teal), var(--teal-deep));
}
.timeline-item {
  position: relative;
  padding-bottom: 2.5rem;
}
.timeline-item:last-child { padding-bottom: 0; }
.timeline-item::before {
  content: "";
  position: absolute;
  left: -27px; top: 4px;
  width: 16px; height: 16px;
  border-radius: 50%;
  background: var(--cream);
  border: 3px solid var(--teal);
  z-index: 1;
  transition: all .3s;
}
.timeline-item:hover::before {
  background: var(--teal);
  box-shadow: 0 0 0 5px rgba(31,111,127,.2);
}
.timeline-tag {
  display: inline-block;
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .15em;
  color: var(--teal);
  font-weight: 600;
  background: var(--teal-pale);
  padding: .25rem .65rem;
  border-radius: 999px;
  margin-bottom: .65rem;
}
.timeline-item h4 {
  font-size: 1.2rem;
  margin: 0 0 .5rem;
}
.timeline-item p {
  color: var(--muted);
  margin: 0;
  font-size: .96rem;
}

/* ---------- Tabs ---------- */
.tabs {
  display: flex;
  gap: 0;
  border-bottom: 1px solid var(--line);
  margin-bottom: 2.5rem;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}
.tab {
  padding: 1rem 1.5rem;
  font-weight: 500;
  color: var(--muted);
  cursor: pointer;
  border-bottom: 2px solid transparent;
  transition: all .2s;
  white-space: nowrap;
  font-size: .98rem;
  font-family: 'Inter', sans-serif;
}
.tab:hover { color: var(--teal); }
.tab.active {
  color: var(--teal);
  border-bottom-color: var(--teal);
  font-weight: 600;
}
.tab-panel { display: none; }
.tab-panel.active { display: block; animation: tabFade .35s ease; }
@keyframes tabFade {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: none; }
}

/* ---------- US map ---------- */
.map-wrap {
  position: relative;
  max-width: 900px;
  margin: 0 auto;
  padding: 1.5rem;
  background:
    linear-gradient(135deg, rgba(31,111,127,.04), rgba(91,181,191,.04)),
    var(--cream);
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
}
.map-wrap svg {
  width: 100%;
  height: auto;
  display: block;
}
.map-state {
  fill: var(--cream-2);
  stroke: var(--line);
  stroke-width: 1;
  transition: fill .25s;
}
.map-state.active {
  fill: var(--teal-pale);
  stroke: var(--teal-light);
}
.map-state:hover {
  fill: var(--teal-light);
}
.map-dot {
  fill: var(--teal);
  cursor: pointer;
  transition: all .25s;
}
.map-dot:hover { fill: var(--teal-bright); }
.map-pulse {
  fill: var(--teal);
  transform-origin: center;
  transform-box: fill-box;
  animation: mapPulse 2.5s ease-out infinite;
}
@keyframes mapPulse {
  0%   { transform: scale(1); opacity: .6; }
  100% { transform: scale(3); opacity: 0; }
}
.map-legend {
  display: flex; gap: 1.25rem;
  margin-top: 1.25rem;
  font-size: .85rem;
  color: var(--muted);
  flex-wrap: wrap;
  justify-content: center;
}
.map-legend span { display: inline-flex; align-items: center; gap: .4rem; }
.map-legend i {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: var(--teal);
  display: inline-block;
}
.map-legend i.future {
  background: var(--cream-2);
  border: 2px solid var(--teal-light);
}

/* ---------- Calculators ---------- */
.calc-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 0;
  background: #fff;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--line);
  box-shadow: var(--shadow-lg);
  margin-top: 2rem;
}
@media (max-width: 820px) {
  .calc-grid { grid-template-columns: 1fr; }
}
.calc-inputs {
  padding: clamp(1.75rem, 3vw, 2.5rem);
}
.calc-inputs h3 {
  margin: 0 0 .5rem;
  font-size: 1.3rem;
}
.calc-inputs > p {
  color: var(--muted);
  font-size: .92rem;
  margin: 0 0 2rem;
}
.calc-output {
  padding: clamp(1.75rem, 3vw, 2.5rem);
  background: linear-gradient(135deg, var(--navy), var(--navy-2));
  color: var(--cream);
  display: flex;
  flex-direction: column;
  justify-content: center;
  position: relative;
  overflow: hidden;
}
.calc-output::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 80% 20%, rgba(91,181,191,.2) 0%, transparent 55%);
  pointer-events: none;
}
.calc-output > * { position: relative; z-index: 1; }
.calc-output h4 {
  color: rgba(91,181,191,1);
  font-family: 'Inter', sans-serif;
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .18em;
  font-weight: 600;
  margin: 0 0 1.25rem;
}
.calc-result {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 500;
  color: var(--cream);
  line-height: 1.05;
  margin-bottom: 1rem;
  letter-spacing: -0.01em;
}
.calc-result .range-sep {
  color: rgba(91,181,191,.5);
  margin: 0 .15em;
  font-weight: 400;
}
.calc-output p {
  color: rgba(250,247,242,.8);
  font-size: .92rem;
  margin: 0;
}
.calc-disclaimer {
  margin-top: 1.5rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255,255,255,.15);
  font-size: .76rem;
  color: rgba(250,247,242,.5);
  line-height: 1.55;
}

.range-input {
  display: block;
  position: relative;
  margin-bottom: 1.5rem;
}
.range-input label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: .85rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: .65rem;
}
.range-input label .val {
  color: var(--teal);
  font-family: 'Fraunces', serif;
  font-size: 1.05rem;
  font-weight: 600;
}
.range-input input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--line);
  border-radius: 3px;
  outline: none;
  padding: 0;
}
.range-input input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px; height: 22px;
  background: var(--teal);
  border: 3px solid #fff;
  box-shadow: 0 2px 10px rgba(31,111,127,.5);
  border-radius: 50%;
  cursor: pointer;
  transition: transform .15s;
}
.range-input input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}
.range-input input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px;
  background: var(--teal);
  border: 3px solid #fff;
  box-shadow: 0 2px 10px rgba(31,111,127,.5);
  border-radius: 50%;
  cursor: pointer;
}
.calc-inputs select {
  width: 100%;
  padding: .85rem 1rem;
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: 8px;
  color: var(--ink);
  font-family: inherit;
  margin-bottom: 1.5rem;
}
.calc-inputs select:focus {
  outline: none;
  border-color: var(--teal);
  background: #fff;
}

.calc-chart {
  margin-top: 1.5rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255,255,255,.15);
}
.calc-chart h5 {
  color: rgba(250,247,242,.65);
  font-family: 'Inter', sans-serif;
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .12em;
  margin: 0 0 .65rem;
  font-weight: 500;
}
.calc-chart svg {
  width: 100%;
  height: 110px;
}
.calc-action {
  margin-top: 1.5rem;
}
.calc-action .btn {
  width: 100%;
  background: var(--teal-bright);
  color: var(--navy);
}
.calc-action .btn:hover {
  background: #fff;
}

/* ---------- Resource cards ---------- */
.resources {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.resource {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: all .3s;
  display: flex; flex-direction: column;
  text-decoration: none;
  color: inherit;
}
.resource:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow);
  border-color: transparent;
}
.resource-visual {
  aspect-ratio: 16 / 9;
  background: linear-gradient(135deg, var(--teal-deep), var(--teal));
  display: grid; place-items: center;
  position: relative;
}
.resource-visual.var-2 { background: linear-gradient(135deg, var(--navy), var(--teal-deep)); }
.resource-visual.var-3 { background: linear-gradient(135deg, var(--navy-2), var(--navy)); }
.resource-visual.var-4 { background: linear-gradient(135deg, var(--teal), var(--teal-light)); }
.resource-visual.var-5 { background: linear-gradient(135deg, var(--teal-light), var(--teal-deep)); }
.resource-visual.var-6 { background: linear-gradient(135deg, var(--navy), var(--teal)); }
.resource-visual::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 75% 25%, rgba(255,255,255,.15) 0%, transparent 50%);
}
.resource-visual svg {
  width: 64px; height: 64px;
  color: rgba(255,255,255,.45);
  position: relative; z-index: 1;
}
.resource-info {
  padding: 1.5rem;
  flex: 1;
  display: flex; flex-direction: column;
}
.resource-category {
  font-size: .7rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--teal);
  margin-bottom: .55rem;
}
.resource h3 {
  font-size: 1.1rem;
  margin: 0 0 .55rem;
  line-height: 1.3;
}
.resource p {
  color: var(--muted);
  font-size: .92rem;
  margin: 0 0 1rem;
  flex: 1;
  line-height: 1.55;
}
.resource-meta {
  display: flex; gap: 1rem;
  font-size: .78rem;
  color: var(--muted);
  padding-top: .85rem;
  border-top: 1px solid var(--line);
}
.resource-meta span { display: inline-flex; align-items: center; gap: .3rem; }

/* ---------- Legal pages ---------- */
.legal-body {
  max-width: 760px;
  margin: 0 auto;
}
.legal-body h2 {
  font-size: 1.35rem;
  margin-top: 3rem;
}
.legal-body h2:first-child { margin-top: 0; }
.legal-body h3 {
  font-size: 1.1rem;
  margin-top: 2rem;
}
.legal-body p, .legal-body li {
  color: var(--ink);
  font-size: 1rem;
  line-height: 1.7;
}
.legal-body ul, .legal-body ol {
  padding-left: 1.5rem;
  margin-bottom: 1em;
}
.legal-body li { margin-bottom: .35em; }
.legal-body .updated {
  color: var(--muted);
  font-size: .9rem;
  margin-bottom: 2rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--line);
  font-style: italic;
}

/* ---------- Thank you page ---------- */
.thank-you {
  min-height: 60vh;
  display: grid; place-items: center;
  text-align: center;
  padding: 4rem 1.5rem;
}
.thank-you .check-mark {
  width: 88px; height: 88px;
  border-radius: 50%;
  background: var(--teal);
  margin: 0 auto 2rem;
  display: grid; place-items: center;
  color: #fff;
  box-shadow: 0 14px 40px -10px rgba(31,111,127,.55);
  animation: popIn .6s cubic-bezier(.34,1.56,.64,1);
}
@keyframes popIn {
  from { transform: scale(0); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}

/* ---------- Logo carousel / trust strip ---------- */
.trust-strip {
  padding: 2.5rem 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.trust-strip .label {
  text-align: center;
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .15em;
  color: var(--muted);
  font-weight: 500;
  margin-bottom: 1.5rem;
}
.trust-strip .badges {
  display: flex; align-items: center; justify-content: center;
  gap: 2.5rem; flex-wrap: wrap;
}
.trust-badge {
  display: inline-flex; align-items: center; gap: .65rem;
  font-size: .9rem; font-weight: 500;
  color: var(--navy);
  font-family: 'Fraunces', serif;
}
.trust-badge svg {
  width: 22px; height: 22px;
  color: var(--teal);
}

/* ---------- Big quote block ---------- */
.big-quote {
  text-align: center;
  padding: clamp(3rem, 6vw, 5rem) 0;
  max-width: 800px;
  margin: 0 auto;
}
.big-quote .quote-mark {
  font-family: 'Fraunces', serif;
  font-size: 5rem;
  color: var(--teal);
  line-height: 0;
  display: block;
  margin-bottom: 1rem;
  opacity: .4;
}
.big-quote blockquote {
  font-family: 'Fraunces', serif;
  font-size: clamp(1.4rem, 2.6vw, 2rem);
  line-height: 1.4;
  color: var(--navy);
  font-style: italic;
  margin: 0 0 1.5rem;
  font-weight: 500;
}
.big-quote cite {
  display: block;
  font-style: normal;
  font-size: .9rem;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: .15em;
  font-family: 'Inter', sans-serif;
}

/* ---------- Article pages ---------- */
.article-hero {
  background: var(--cream-2);
  padding: clamp(3rem, 5vw, 4.5rem) 0 clamp(2rem, 4vw, 3rem);
  border-bottom: 1px solid var(--line);
}
.article-hero .wrap-narrow { max-width: 760px; }
.article-hero .back-link {
  display: inline-flex; align-items: center; gap: .35rem;
  color: var(--teal);
  font-size: .9rem; font-weight: 600;
  margin-bottom: 1.5rem;
  transition: gap .2s;
}
.article-hero .back-link:hover { gap: .55rem; }
.article-tag {
  display: inline-block;
  font-size: .72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--teal);
  background: var(--teal-pale);
  padding: .35rem .8rem;
  border-radius: 999px;
  margin-bottom: 1rem;
}
.article-hero h1 {
  font-size: clamp(1.9rem, 4vw, 2.8rem);
  margin: 0 0 1rem;
  line-height: 1.2;
}
.article-hero .article-lead {
  font-size: 1.15rem;
  color: var(--muted);
  margin: 0 0 1.5rem;
  max-width: 60ch;
}
.article-byline {
  display: flex; gap: 1rem;
  font-size: .85rem;
  color: var(--muted);
  padding-top: 1.5rem;
  border-top: 1px solid var(--line);
  flex-wrap: wrap;
  align-items: center;
}
.article-byline .author { color: var(--navy); font-weight: 600; }
.article-byline .sep { color: var(--line); }

.article-body {
  padding: clamp(2.5rem, 5vw, 4rem) 0;
}
.article-body .wrap-narrow { max-width: 720px; }
.article-body p {
  font-size: 1.08rem;
  line-height: 1.75;
  color: var(--ink);
  margin: 0 0 1.5em;
}
.article-body h2 {
  font-size: 1.6rem;
  margin: 2.5rem 0 1rem;
}
.article-body h2:first-child { margin-top: 0; }
.article-body h3 {
  font-size: 1.2rem;
  margin: 2rem 0 .75rem;
}
.article-body ul, .article-body ol {
  padding-left: 1.5rem;
  margin: 0 0 1.5em;
}
.article-body li {
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: .5em;
  color: var(--ink);
}
.article-body blockquote {
  margin: 2rem 0;
  padding: 1.5rem 2rem;
  background: var(--teal-pale);
  border-left: 4px solid var(--teal);
  border-radius: 0 var(--radius) var(--radius) 0;
  font-family: 'Fraunces', serif;
  font-size: 1.2rem;
  font-style: italic;
  color: var(--navy);
  line-height: 1.5;
  font-weight: 500;
}
.article-body blockquote p { margin: 0; }
.article-body strong { color: var(--navy); font-weight: 600; }
.article-body a {
  color: var(--teal);
  font-weight: 600;
  border-bottom: 1px solid var(--teal-light);
  transition: color .2s, border-color .2s;
}
.article-body a:hover { color: var(--teal-deep); border-color: var(--teal-deep); }
.article-body hr {
  border: 0;
  height: 1px;
  background: var(--line);
  margin: 2.5rem auto;
  max-width: 200px;
}
.article-callout {
  background: var(--cream-2);
  border-left: 3px solid var(--teal);
  padding: 1.25rem 1.5rem;
  margin: 2rem 0;
  border-radius: 0 var(--radius) var(--radius) 0;
}
.article-callout strong { display: block; color: var(--navy); margin-bottom: .35rem; font-family: 'Fraunces', serif; font-size: 1.05rem; }
.article-callout p { margin: 0; color: var(--muted); font-size: .98rem; line-height: 1.65; }

.related-cta {
  margin-top: 3rem;
  padding: 2rem;
  background: var(--navy);
  border-radius: var(--radius-lg);
  color: var(--cream);
  text-align: center;
}
.related-cta h3 { color: var(--cream); margin: 0 0 .65rem; }
.related-cta p { color: rgba(250,247,242,.8); margin: 0 0 1.5rem; }