/* ==========================================================
   Chourey Wealth — Main Stylesheet
   Palette: Sapphire + Antique Gold | Type: Roboto
   ========================================================== */
:root{
  --sapphire:#0c2461;
  --sapphire-2:#133a8c;
  --ink:#0a1a44;
  --night:#06112e;
  --gold:#b8913a;
  --gold-2:#dcb964;
  --gold-soft:#f6eedb;
  --mist:#eef2f9;
  --paper:#ffffff;
  --text:#27314f;
  --muted:#5f6a86;
  --line:#dfe5f0;
  --w:85%;
  --radius-lg:28px;
  --radius:14px;
  --radius-sm:8px;
  --shadow:0 18px 40px -22px rgba(12,36,97,.35);
  --head-font:'Roboto',system-ui,-apple-system,Segoe UI,Arial,sans-serif;
  --body-font:'Roboto',system-ui,-apple-system,Segoe UI,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--body-font);color:var(--text);background:var(--paper);font-size:16px;line-height:1.7;font-weight:400;-webkit-font-smoothing:antialiased;overflow-x:clip}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}
button,input,select,textarea{font:inherit}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
h1,h2,h3,h4,h5{font-family:var(--head-font);color:var(--ink);font-weight:700;line-height:1.25;letter-spacing:-.01em}
h3,h4,h5{font-weight:600}
body.lock{overflow:hidden}
@media (prefers-reduced-motion:reduce){*{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}}

.wrap{width:var(--w);max-width:1560px;margin-inline:auto}
.section{padding:96px 0}
.section.tight{padding:72px 0}
.bg-mist{background:var(--mist)}
.bg-night{background:var(--night);color:#c9d3ea}
.bg-night h2,.bg-night h3{color:#fff}

/* Media box with graceful fallback when an image fails to load */
.media{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--sapphire),var(--sapphire-2) 60%,var(--gold))}
.media img{width:100%;height:100%;object-fit:cover}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:13px 26px;border-radius:999px;font-weight:500;letter-spacing:.2px;font-size:15px;border:1.5px solid transparent;cursor:pointer;transition:background .25s,color .25s,border-color .25s,transform .25s;white-space:nowrap}
.btn:hover{transform:translateY(-2px)}
.btn-gold{background:var(--gold);color:#fff}
.btn-gold:hover{background:#9f7c2d}
.btn-navy{background:var(--sapphire);color:#fff}
.btn-navy:hover{background:var(--ink)}
.btn-line{border-color:var(--sapphire);color:var(--sapphire)}
.btn-line:hover{background:var(--sapphire);color:#fff}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn-ghost:hover{background:#fff;color:var(--sapphire)}
.btn-sm{padding:9px 18px;font-size:14px}

/* ---------- Section headings ---------- */
.head{max-width:760px;margin-bottom:52px}
.head.center{margin-inline:auto;text-align:center}
.kicker{display:inline-flex;align-items:center;gap:12px;color:var(--gold);font-weight:600;font-size:15px;margin-bottom:14px}
.kicker::before{content:"";width:34px;height:2px;background:var(--gold)}
.head.center .kicker::after{content:"";width:34px;height:2px;background:var(--gold)}
.head h2{font-size:clamp(26px,2.6vw,40px);margin-bottom:16px}
.head p{color:var(--muted);font-size:17px}
.bg-night .head p{color:#aeb9d6}
@media (min-width:992px){.head h2,.one-line{white-space:nowrap}}

/* ---------- Ticker ---------- */
.ticker{background:#030a1f;color:#d7deef;font-size:13px;overflow:hidden;white-space:nowrap;border-bottom:1px solid rgba(255,255,255,.06)}
.ticker-track{display:inline-flex;animation:tick 55s linear infinite;padding:7px 0}
.ticker:hover .ticker-track{animation-play-state:paused}
.tick{display:inline-flex;gap:8px;align-items:center;padding:0 22px;border-right:1px solid rgba(255,255,255,.12)}
.tick b{color:#fff;font-weight:600}
.up{color:#3ddc84}.down{color:#ff6b6b}
@keyframes tick{to{transform:translateX(-50%)}}

/* ---------- Topbar ---------- */
.topbar{background:var(--sapphire);color:#dbe3f5;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:9px 0}
.topbar .contacts{display:flex;gap:26px;flex-wrap:wrap}
.topbar a{display:inline-flex;align-items:center;gap:8px}
.topbar a:hover{color:var(--gold-2)}
.topbar i{color:var(--gold-2)}
.topbar .reg{display:flex;align-items:center;gap:10px}
.topbar .reg span{color:var(--gold-2);font-weight:600}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:900;background:#fff;transition:box-shadow .3s}
.site-header.scrolled{box-shadow:0 10px 30px -18px rgba(6,17,46,.45)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:86px}
.logo{display:inline-flex;align-items:center;gap:12px;flex:none}
.logo img{height:70px;width:auto;max-width:100%;flex:none}
.brand{display:flex;flex-direction:column;line-height:1.1;white-space:nowrap}
.brand b{font-size:24px;font-weight:700;color:var(--sapphire);letter-spacing:-.01em}
.brand small{font-size:12.5px;color:var(--gold);font-weight:500;font-style:italic;margin-top:3px}
.nav{display:flex;align-items:center;gap:4px}
.nav > li{position:relative}
.nav > li > a{display:flex;align-items:center;gap:6px;padding:30px 11px;font-weight:500;font-size:15px;color:var(--ink);white-space:nowrap}
.nav > li > a i{font-size:11px;transition:transform .25s}
.nav > li:hover > a,.nav > li > a.active{color:var(--gold)}
.nav > li:hover > a i{transform:rotate(180deg)}
.drop{position:absolute;top:100%;left:0;min-width:270px;background:#fff;border-radius:0 0 var(--radius) var(--radius);border-top:3px solid var(--gold);box-shadow:var(--shadow);padding:10px;opacity:0;visibility:hidden;transform:translateY(10px);transition:.25s}
.nav > li:hover .drop,.nav > li:focus-within .drop{opacity:1;visibility:visible;transform:none}
.drop a{display:block;padding:9px 14px;border-radius:var(--radius-sm);font-size:14.5px;color:var(--text)}
.drop a:hover{background:var(--mist);color:var(--sapphire);padding-left:20px}
.drop.cols{min-width:520px;display:grid;grid-template-columns:1fr 1fr;left:0;right:auto}
.nav > li:nth-last-child(2) .drop.cols{right:0;left:auto}
.head-cta{display:flex;gap:10px}
.burger{display:none;width:46px;height:46px;border-radius:12px;background:var(--sapphire);color:#fff;border:0;font-size:20px;cursor:pointer}

/* ---------- Mobile nav ---------- */
.mnav{position:fixed;inset:0;z-index:2000;visibility:hidden}
.mnav.open{visibility:visible}
.mnav-bg{position:absolute;inset:0;background:rgba(3,10,31,.6);opacity:0;transition:.3s}
.mnav.open .mnav-bg{opacity:1}
.mnav-panel{position:absolute;top:0;right:0;height:100%;height:100dvh;width:min(360px,88vw);background:#fff;display:flex;flex-direction:column;overflow-y:auto;-webkit-overflow-scrolling:touch;transform:translateX(100%);transition:transform .35s ease}
.mnav.open .mnav-panel{transform:none}
.mnav-top{display:flex;justify-content:space-between;align-items:center;padding:14px 18px;border-bottom:1px solid var(--line)}
.mnav-top img{height:44px;width:auto;max-width:200px}
.mnav-top .brand b{font-size:18px}
.mnav-top .brand small{font-size:11px}
.mnav-close{width:40px;height:40px;border-radius:50%;border:0;background:var(--mist);color:var(--ink);font-size:18px;cursor:pointer}
.mnav-list{flex:0 0 auto;padding:6px 18px 0}
.mnav-list > li{border-bottom:1px solid var(--line)}
.mnav-list > li > a,.msub-btn{display:flex;justify-content:space-between;align-items:center;width:100%;padding:11px 2px;font-weight:500;font-size:14px;color:var(--ink);background:none;border:0;text-align:left;cursor:pointer}
.msub-btn i{transition:transform .25s;font-size:12px}
.msub-btn.open i{transform:rotate(180deg)}
.msub{max-height:0;overflow:hidden;transition:max-height .35s}
.msub a{display:block;padding:7px 12px;font-size:13.5px;color:var(--muted);border-left:2px solid var(--gold-soft)}
.msub a:hover{color:var(--sapphire);border-color:var(--gold)}
.mnav-cta{padding:16px 18px 28px;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.mnav-cta .btn{padding:11px 10px;font-size:14px}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--night);overflow:hidden;isolation:isolate}
.slide{position:absolute;inset:0;opacity:0;transition:opacity 1s ease;z-index:0}
.slide.active{opacity:1;z-index:1}
.slide .media{position:absolute;inset:0;background:var(--night)}
.slide .media img{transform:scale(1.08);transition:transform 7s ease}
.slide.active .media img{transform:scale(1)}
.slide::after{content:"";position:absolute;inset:0;background:linear-gradient(95deg,rgba(6,17,46,.94) 0%,rgba(6,17,46,.78) 45%,rgba(6,17,46,.25) 100%)}
.hero-inner{position:relative;z-index:2;min-height:clamp(560px,82vh,760px);display:grid;grid-template-columns:1.25fr .9fr;align-items:center;gap:40px;padding:70px 0}
.slide-copy{display:none}
.slide-copy.active{display:block;animation:rise .8s ease both}
@keyframes rise{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:none}}
.hero h1{color:#fff;font-weight:900;font-size:clamp(32px,4vw,58px);margin:12px 0 20px}
.hero p{color:#c3cde6;font-size:18px;max-width:560px;margin-bottom:32px}
.hero .kicker{color:var(--gold-2)}
.hero .kicker::before{background:var(--gold-2)}
.hero-btns{display:flex;gap:14px;flex-wrap:wrap}

/* The seal — signature element */
.seal{position:relative;width:min(430px,100%);aspect-ratio:1;margin-left:auto}
.seal-ring{position:absolute;inset:0;animation:spin 40s linear infinite}
.seal-ring text{font-family:var(--head-font);font-weight:500;font-size:14.5px;letter-spacing:4px;fill:var(--gold-2)}
@keyframes spin{to{transform:rotate(360deg)}}
.seal-photo .media{position:absolute;inset:0}
.seal-photo{position:absolute;inset:13%;border-radius:50%;overflow:hidden;border:3px solid var(--gold);box-shadow:0 0 0 10px rgba(184,145,58,.15)}
.seal-badge{position:absolute;right:-4%;bottom:10%;background:#fff;border-radius:var(--radius);padding:14px 18px;box-shadow:var(--shadow);display:flex;gap:12px;align-items:center}
.seal-badge i{width:42px;height:42px;display:grid;place-items:center;border-radius:50%;background:var(--gold-soft);color:var(--gold);font-size:18px}
.seal-badge b{display:block;font-family:var(--head-font);color:var(--ink);font-size:16px;line-height:1.2;font-weight:700}
.seal-badge small{color:var(--muted);font-size:12.5px}
.hero-dots{position:absolute;z-index:3;bottom:28px;left:50%;transform:translateX(-50%);display:flex;gap:10px}
.hero-dots button{width:34px;height:4px;border:0;border-radius:4px;background:rgba(255,255,255,.3);cursor:pointer;transition:.3s}
.hero-dots button.active{background:var(--gold-2);width:56px}

/* ---------- Pillars strip ---------- */
.pillars{background:#fff;border-bottom:1px solid var(--line)}
.pillars .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.pillar{display:flex;gap:16px;align-items:center;padding:30px 22px;border-right:1px solid var(--line)}
.pillar:last-child{border-right:0}
.pillar i{flex:none;width:52px;height:52px;border-radius:50%;display:grid;place-items:center;background:var(--mist);color:var(--sapphire);font-size:20px}
.pillar h4{font-size:17px;margin-bottom:2px}
.pillar p{font-size:14px;color:var(--muted);line-height:1.5}

/* ---------- Split layout ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:stretch}
.split > .copy{align-self:center;padding:10px 0}
.split .media{border-radius:var(--radius-lg);min-height:100%}
.split .copy h2{font-size:clamp(26px,2.5vw,38px);margin-bottom:18px}
.split .copy p{margin-bottom:16px;color:var(--muted)}
.ticks{display:grid;gap:12px;margin:22px 0 30px}
.ticks li{display:flex;gap:12px;align-items:flex-start}
.ticks i{color:var(--gold);margin-top:6px}
.ticks.two{grid-template-columns:1fr 1fr}

.collage{position:relative;min-height:540px}
.collage .media{position:absolute;border-radius:var(--radius-lg);min-height:0!important}
.collage .m1{inset:0 22% 18% 0}
.collage .m2{inset:40% 0 0 38%;border:8px solid #fff;box-shadow:var(--shadow)}
.collage .stamp{position:absolute;left:4%;bottom:4%;background:var(--sapphire);color:#fff;border-radius:50%;width:132px;height:132px;display:grid;place-items:center;text-align:center;border:3px solid var(--gold);z-index:2}
.collage .stamp b{display:block;font-family:var(--head-font);font-size:28px;color:var(--gold-2);font-weight:900;line-height:1}
.collage .stamp small{font-size:12px;line-height:1.3;display:block;padding:0 12px}

/* ---------- Owner portrait ---------- */
.owner-shot{position:relative;border-radius:var(--radius-lg);overflow:hidden;min-height:100%;box-shadow:var(--shadow)}
.owner-shot .media{position:absolute;inset:0}
.owner-shot .media img{object-position:center 18%}
.owner-tag{position:absolute;left:22px;right:22px;bottom:22px;z-index:2;background:rgba(255,255,255,.94);backdrop-filter:blur(6px);border-radius:var(--radius);border-left:4px solid var(--gold);padding:16px 20px}
.owner-tag b{display:block;font-family:var(--head-font);font-size:21px;font-weight:700;color:var(--ink)}
.owner-tag small{color:var(--muted);font-size:13.5px}
@media (max-width:992px){.owner-shot{min-height:460px}}
@media (max-width:680px){.owner-shot{min-height:400px}.owner-tag{left:14px;right:14px;bottom:14px;padding:13px 16px}.owner-tag b{font-size:18px}}

/* ---------- Services grid ---------- */
.grid{display:grid;gap:28px}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.svc{background:#fff;border-radius:var(--radius-lg);overflow:hidden;display:flex;flex-direction:column;border:1px solid var(--line);transition:border-color .3s,box-shadow .3s}
.svc:hover{border-color:var(--gold);box-shadow:var(--shadow)}
.svc .media{aspect-ratio:16/10}
.svc .media img{transition:transform .6s}
.svc:hover .media img{transform:scale(1.06)}
.svc-body{padding:40px 24px 26px;display:flex;flex-direction:column;flex:1;position:relative}
.svc-icon{position:absolute;top:-30px;right:24px;width:60px;height:60px;border-radius:50%;background:var(--sapphire);color:var(--gold-2);display:grid;place-items:center;font-size:22px;border:4px solid #fff}
.svc h3{font-size:19px;margin-bottom:10px}
.svc p{color:var(--muted);font-size:15px;flex:1;margin-bottom:18px}
.more{display:inline-flex;align-items:center;gap:8px;font-weight:600;color:var(--sapphire)}
.more i{transition:transform .25s}
.svc:hover .more{color:var(--gold)}
.svc:hover .more i{transform:translateX(4px)}

/* ---------- Product tiles (image based) ---------- */
.tile{position:relative;border-radius:var(--radius-lg);overflow:hidden;min-height:300px;display:flex;align-items:flex-end;color:#fff}
.tile .media{position:absolute;inset:0}
.tile .media img{transition:transform .7s}
.tile:hover .media img{transform:scale(1.07)}
.tile::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(6,17,46,.1) 0%,rgba(6,17,46,.35) 40%,rgba(6,17,46,.95) 100%);transition:background .4s}
.tile:hover::after{background:linear-gradient(180deg,rgba(12,36,97,.25) 0%,rgba(12,36,97,.55) 40%,rgba(6,17,46,.97) 100%)}
.tile{border:1px solid rgba(12,36,97,.08);box-shadow:0 20px 40px -28px rgba(6,17,46,.6)}
.tile-body{width:100%}
.tile h3{font-size:clamp(18px,1.35vw,21px)}
.tile p{display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.tile-go{position:absolute;top:20px;right:20px;z-index:2;width:44px;height:44px;border-radius:50%;background:rgba(255,255,255,.14);backdrop-filter:blur(6px);display:grid;place-items:center;color:#fff;transition:.3s}
.tile:hover .tile-go{background:var(--gold);transform:rotate(-45deg)}
.tile-body{position:relative;z-index:2;padding:26px}
.tile-tag{display:inline-block;background:var(--gold);color:#fff;font-size:12.5px;font-weight:600;padding:3px 12px;border-radius:999px;margin-bottom:10px}
.tile h3{color:#fff;font-size:24px;margin-bottom:6px}
.tile p{font-size:14.5px;color:#d3dbee;line-height:1.55}
.bento{display:grid;grid-template-columns:repeat(4,1fr);grid-auto-rows:300px;gap:22px;grid-auto-flow:row dense}
.bento .tile{min-height:0}
.bento .wide{grid-column:span 2}
.bento .tall{grid-row:span 2}

/* ---------- Steps ---------- */
.steps{display:grid;gap:18px;margin:26px 0 32px}
.step{display:flex;gap:18px;padding:18px 20px;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.step span{flex:none;width:46px;height:46px;border-radius:50%;background:var(--gold-soft);color:var(--gold);font-family:var(--head-font);font-weight:700;font-size:18px;display:grid;place-items:center}
.step h4{font-size:19px;margin-bottom:2px}
.step p{margin:0!important;font-size:14.5px}

/* ---------- Band ---------- */
.band{position:relative;overflow:hidden;border-radius:var(--radius-lg);color:#fff}
.band .media{position:absolute;inset:0}
.band::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(12,36,97,.96) 35%,rgba(12,36,97,.55))}
.band-inner{position:relative;z-index:2;padding:64px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.band h2{color:#fff;font-size:clamp(24px,2.4vw,34px);margin-bottom:10px}
.band p{color:#c9d3ea;max-width:620px}
.band .btns{display:flex;gap:12px;flex-wrap:wrap}

/* ---------- Reach / counters ---------- */
.counters{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:28px}
.counter{border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:22px}
.counter b{display:block;font-family:var(--head-font);font-size:36px;color:var(--gold-2);font-weight:700;line-height:1.1}
.counter small{color:#aeb9d6;font-size:14px}
.bg-night .split .copy p{color:#aeb9d6}

/* ---------- AMC carousel ---------- */
.amc{overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.amc-track{display:flex;gap:18px;width:max-content;animation:tick 45s linear infinite}
.amc:hover .amc-track{animation-play-state:paused}
.amc-card{flex:none;width:220px;height:96px;border-radius:var(--radius);background:#fff;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;gap:10px;padding:0 16px;text-align:center}
.amc-card i{color:var(--gold);font-size:22px}
.amc-card span{font-family:var(--head-font);color:var(--ink);font-weight:500;font-size:15.5px;line-height:1.25}

/* ---------- Blog ---------- */
.post{background:#fff;border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--line);display:flex;flex-direction:column;transition:box-shadow .3s}
.post:hover{box-shadow:var(--shadow)}
.post .media{aspect-ratio:16/10}
.post-body{padding:24px;display:flex;flex-direction:column;flex:1}
.post-meta{font-size:13.5px;color:var(--gold);font-weight:600;margin-bottom:8px;display:flex;gap:16px;flex-wrap:wrap}
.post h3{font-size:19px;line-height:1.35;margin-bottom:10px}
.post p{color:var(--muted);font-size:15px;flex:1;margin-bottom:16px}

/* ---------- Page banner ---------- */
.pbanner{position:relative;color:#fff;overflow:hidden}
.pbanner .media{position:absolute;inset:0}
.pbanner::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,17,46,.95),rgba(12,36,97,.6))}
.pbanner .wrap{position:relative;z-index:2;padding:96px 0}
.pbanner h1{color:#fff;font-size:clamp(28px,3.4vw,46px);margin-bottom:12px}
.crumbs{display:flex;gap:10px;flex-wrap:wrap;font-size:14.5px;color:#c3cde6}
.crumbs a{color:var(--gold-2)}

/* ---------- Content / policy ---------- */
.prose{max-width:100%}
.prose h2{font-size:clamp(20px,1.9vw,26px);margin:38px 0 12px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:19px;margin:26px 0 8px}
.prose p{margin-bottom:14px}
.prose ul{margin:0 0 18px;display:grid;gap:8px}
.prose ul li{position:relative;padding-left:24px}
.prose ul li::before{content:"";position:absolute;left:4px;top:11px;width:7px;height:7px;border-radius:50%;background:var(--gold)}
.prose a{color:var(--sapphire-2);text-decoration:underline}
.prose table{width:100%;border-collapse:collapse;margin:10px 0 22px;font-size:15px}
.prose th,.prose td{border:1px solid var(--line);padding:11px 14px;text-align:left;vertical-align:top}
.prose th{background:var(--mist);color:var(--ink)}
.table-wrap{overflow-x:auto}
.updated{display:inline-block;background:var(--gold-soft);color:#7d6124;font-size:14px;font-weight:600;padding:5px 14px;border-radius:999px;margin-bottom:26px}
.note{border-left:4px solid var(--gold);background:var(--gold-soft);padding:18px 22px;border-radius:0 var(--radius) var(--radius) 0;margin:26px 0;color:#5d4a1f;font-size:15px}
.article{max-width:880px;margin-inline:auto}
.article .cover{border-radius:var(--radius-lg);aspect-ratio:16/8;margin-bottom:34px}

/* ---------- Cards / contact ---------- */
.info-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:30px;display:flex;gap:18px;align-items:flex-start}
.info-card i{flex:none;width:54px;height:54px;border-radius:50%;background:var(--sapphire);color:var(--gold-2);display:grid;place-items:center;font-size:20px}
.info-card h4{font-size:20px;margin-bottom:4px}
.info-card p,.info-card a{color:var(--muted);font-size:15px;word-break:break-word}
.info-card a:hover{color:var(--gold)}
.form-card{background:#fff;border-radius:var(--radius-lg);padding:38px;border:1px solid var(--line);box-shadow:var(--shadow)}
.form-card h3{font-size:24px;margin-bottom:6px}
.form-card > p{color:var(--muted);margin-bottom:24px}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:6px}
.field.full{grid-column:1/-1}
.field label{font-size:14px;font-weight:600;color:var(--ink)}
.field input,.field select,.field textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:var(--radius-sm);background:#fbfcfe;color:var(--text);transition:border-color .2s}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--gold);background:#fff}
.field textarea{min-height:130px;resize:vertical}
.consent{display:flex;gap:10px;font-size:13.5px;color:var(--muted);align-items:flex-start}
.consent input{margin-top:5px;accent-color:var(--gold)}
.form-msg{display:none;margin-top:16px;padding:12px 16px;border-radius:var(--radius-sm);background:#e8f7ee;color:#1d6b3c;font-weight:600;font-size:15px}
.form-msg.show{display:block}
.map{width:100%;height:460px;border:0;display:block;filter:grayscale(.2)}

.level{display:flex;gap:20px;padding:24px;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.level > span{flex:none;width:56px;height:56px;border-radius:50%;background:var(--sapphire);color:var(--gold-2);display:grid;place-items:center;font-family:var(--head-font);font-weight:700;font-size:20px}
.level h4{font-size:20px;margin-bottom:4px}
.level p{color:var(--muted);font-size:15px}

.link-card{display:flex;gap:16px;align-items:center;padding:20px;border-radius:var(--radius);background:#fff;border:1px solid var(--line);transition:.25s}
.link-card:hover{border-color:var(--gold);transform:translateY(-3px)}
.link-card i.ic{flex:none;width:48px;height:48px;border-radius:12px;background:var(--mist);color:var(--sapphire);display:grid;place-items:center;font-size:18px}
.link-card h4{font-size:17px;line-height:1.3}
.link-card small{color:var(--muted);font-size:13px;word-break:break-all}

/* ---------- Calculators ---------- */
.calc-tabs{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin-bottom:34px}
.calc-tab{padding:11px 20px;border-radius:999px;border:1.5px solid var(--line);background:#fff;color:var(--ink);font-weight:600;cursor:pointer;font-size:14.5px;transition:.25s}
.calc-tab.active,.calc-tab:hover{background:var(--sapphire);color:#fff;border-color:var(--sapphire)}
.calc-box{display:grid;grid-template-columns:1.05fr .95fr;gap:0;background:#fff;border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow)}
.calc-in{padding:38px}
.calc-in h3{font-size:24px;margin-bottom:4px}
.calc-in > p{color:var(--muted);margin-bottom:26px;font-size:15px}
.rng{margin-bottom:24px}
.rng-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:10px}
.rng-top label{font-weight:600;color:var(--ink);font-size:15px}
.rng-top input{width:130px;padding:7px 10px;border:1.5px solid var(--line);border-radius:var(--radius-sm);text-align:right;font-weight:600;color:var(--sapphire)}
.rng input[type=range]{width:100%;accent-color:var(--gold);cursor:pointer}
.calc-out{background:var(--night);color:#c9d3ea;padding:38px;display:flex;flex-direction:column;gap:20px}
.donut-wrap{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.donut{width:170px;height:170px;border-radius:50%;position:relative;flex:none}
.donut::after{content:"";position:absolute;inset:26px;border-radius:50%;background:var(--night)}
.legend{display:grid;gap:8px;font-size:14px}
.legend span{display:flex;gap:8px;align-items:center}.legend em{font-style:normal}
.legend i{width:12px;height:12px;border-radius:3px;display:inline-block}
.out-rows{display:grid;gap:10px}
.out-row{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:13px 16px;border-radius:var(--radius-sm);background:rgba(255,255,255,.05);font-size:15px}
.out-row b{color:#fff;font-weight:600;text-align:right}
.out-row.hl{background:rgba(184,145,58,.18)}
.out-row.hl b{color:var(--gold-2);font-size:19px}
.calc-note{font-size:12.5px;color:#8e9abb;line-height:1.55}

/* ---------- Footer ---------- */
.footer{background:var(--night);color:#aeb9d6;font-size:15px}
.foot-top{display:grid;grid-template-columns:1.35fr .8fr 1fr 1fr 1.2fr;gap:40px;padding:80px 0 50px}
.foot-logo{display:inline-block;margin-bottom:18px}
.foot-logo img{height:auto;width:100%;max-width:280px}
.footer .brand b,.login-art .brand b{color:#fff}
.footer .brand small,.login-art .brand small{color:var(--gold-2)}
.footer h4{color:#fff;font-size:18px;margin-bottom:20px;position:relative;padding-bottom:10px}
.footer h4::after{content:"";position:absolute;left:0;bottom:0;width:36px;height:2px;background:var(--gold)}
.foot-links{display:grid;gap:9px}
.foot-links a:hover{color:var(--gold-2)}
.foot-contact{display:grid;gap:14px}
.foot-contact li{display:flex;gap:12px;align-items:flex-start}
.foot-contact i{color:var(--gold-2);margin-top:5px;width:16px}
.foot-contact a{word-break:break-word}
.foot-contact a:hover{color:var(--gold-2)}
.socials{display:flex;gap:10px;margin-top:20px}
.socials a{width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,.2);display:grid;place-items:center;transition:.25s}
.socials a:hover{background:var(--gold);border-color:var(--gold);color:#fff}
.grievance-strip{display:grid;grid-template-columns:auto 1fr;gap:24px;align-items:center;padding:24px 28px;border-radius:var(--radius);background:rgba(255,255,255,.04);border:1px solid rgba(184,145,58,.35);margin-bottom:26px}
.grievance-strip h5{font-family:var(--head-font);color:var(--gold-2);font-size:18px;font-weight:600}
.grievance-strip div{display:flex;gap:26px;flex-wrap:wrap}
.grievance-strip a{display:inline-flex;gap:8px;align-items:center;color:#fff;word-break:break-word}
.grievance-strip a:hover{color:var(--gold-2)}
.reg-strip{display:flex;flex-wrap:wrap;gap:10px 30px;padding:18px 0;border-top:1px solid rgba(255,255,255,.08);font-size:14px}
.reg-strip b{color:#fff;font-weight:600}
.foot-disc{margin:20px 0 30px;padding:24px 28px;font-size:14.5px;line-height:1.75;color:#aeb9d6;background:rgba(255,255,255,.04);border:1px solid rgba(184,145,58,.3);border-radius:var(--radius)}
.foot-disc h4{color:var(--gold-2);font-size:18px;margin-bottom:14px;display:flex;align-items:center;gap:10px;padding-bottom:0}
.foot-disc h4::after{display:none}
.foot-disc p{margin-bottom:12px}
.foot-disc p:last-child{margin-bottom:0}
.foot-disc strong{color:#fff}
.foot-disc a{color:var(--gold-2);text-decoration:underline}
.fd-lead{background:rgba(184,145,58,.14);border-left:4px solid var(--gold);padding:12px 16px;border-radius:0 var(--radius-sm) var(--radius-sm) 0;font-size:15.5px;color:#fff}
@media (max-width:680px){.foot-disc{padding:18px 18px;font-size:13.5px}.fd-lead{font-size:14px}.foot-disc h4{font-size:16px}}
.copy-bar{background:#020819;font-size:14px}
.copy-bar .wrap{display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;padding:18px 0}
.copy-bar a{color:var(--gold-2)}
.copy-bar a:hover{text-decoration:underline}

/* ---------- Floating ---------- */
.float-r{position:fixed;right:18px;bottom:24px;z-index:800;display:flex;flex-direction:column;gap:12px}
.float-r a{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;color:#fff;font-size:24px;box-shadow:0 10px 24px -8px rgba(0,0,0,.4);transition:transform .25s}
.float-r a:hover{transform:scale(1.08)}
.fl-wa{background:#25d366}
.fl-call{background:var(--sapphire);font-size:20px!important}
.fl-wa::before{content:"";position:absolute;width:54px;height:54px;border-radius:50%;border:2px solid #25d366;animation:ping 2s infinite}
@keyframes ping{to{transform:scale(1.5);opacity:0}}
.to-top{position:fixed;left:18px;bottom:24px;z-index:800;width:48px;height:48px;border-radius:50%;border:0;background:var(--gold);color:#fff;font-size:18px;cursor:pointer;opacity:0;visibility:hidden;transform:translateY(12px);transition:.3s;box-shadow:0 10px 24px -8px rgba(0,0,0,.4)}
.to-top.show{opacity:1;visibility:visible;transform:none}

/* ---------- Modals ---------- */
.modal{position:fixed;inset:0;z-index:3000;display:none;align-items:center;justify-content:center;padding:16px;background:rgba(3,10,31,.72)}
.modal.open{display:flex;animation:fade .3s ease}
@keyframes fade{from{opacity:0}}
.modal-box{position:relative;background:#fff;border-radius:var(--radius-lg);width:min(560px,100%);max-height:calc(100dvh - 32px);overflow-y:auto;-webkit-overflow-scrolling:touch;overscroll-behavior:contain;animation:rise .4s ease}
.modal-x{position:absolute;box-shadow:0 4px 12px -4px rgba(0,0,0,.3);top:14px;right:14px;width:38px;height:38px;border-radius:50%;border:0;background:var(--mist);color:var(--ink);font-size:17px;cursor:pointer;z-index:3}
.modal-x:hover{background:var(--gold);color:#fff}
.modal-head{padding:30px 60px 18px 30px;border-bottom:1px solid var(--line);display:flex;gap:14px;align-items:center}
.modal-head i{flex:none;width:48px;height:48px;border-radius:50%;background:var(--gold-soft);color:var(--gold);display:grid;place-items:center;font-size:20px}
.modal-head h3{font-size:22px}
.modal-body{padding:22px 30px;font-size:15px;color:var(--muted)}
.modal-body ul{display:grid;gap:10px}
.modal-body li{position:relative;padding-left:22px}
.modal-body li::before{content:"";position:absolute;left:2px;top:10px;width:7px;height:7px;border-radius:50%;background:var(--gold)}
.modal-foot{padding:0 30px 30px;display:flex;gap:12px;flex-wrap:wrap}
.modal-foot .btn{flex:1 1 180px}
.offer-box{width:min(620px,100%);display:grid;grid-template-columns:.8fr 1.2fr;overflow-x:hidden}
.offer-box .media{min-height:100%}
.offer-copy{padding:28px 26px}
.offer-copy .tile-tag{margin-bottom:14px}
.offer-copy h3{font-size:22px;margin-bottom:8px}
.offer-copy p{color:var(--muted);font-size:14.5px;margin-bottom:14px}
.offer-copy small{display:block;font-size:12px;color:var(--muted);margin-top:14px;line-height:1.5}

.disc-box{width:min(600px,100%);border-top:6px solid var(--gold)}
.disc-in{padding:34px 36px 32px}
.disc-in .kicker{font-size:13px;letter-spacing:2px;text-transform:uppercase;margin-bottom:10px}
.disc-in h3{font-size:28px;margin-bottom:14px}
.disc-in p{color:var(--muted);font-size:15px;line-height:1.65;margin-bottom:14px}
.disc-in p strong{color:var(--ink)}
.disc-in .modal-foot{padding:8px 0 0}
@media (max-width:680px){.disc-in{padding:26px 20px 22px}.disc-in h3{font-size:22px}.disc-in p{font-size:14px}.disc-in .modal-foot{gap:8px;flex-wrap:nowrap}.disc-in .modal-foot .btn{flex:1 1 0;padding:11px 8px;font-size:13.5px}}

/* ---------- Login ---------- */
.login-page{min-height:100vh;display:grid;grid-template-columns:1.1fr 1fr}
.login-art{position:relative;color:#fff;display:flex;flex-direction:column;justify-content:space-between;padding:48px;overflow:hidden}
.login-art .media{position:absolute;inset:0}
.login-art::after{content:"";position:absolute;inset:0;background:linear-gradient(160deg,rgba(6,17,46,.93),rgba(12,36,97,.7))}
.login-art > *:not(.media){position:relative;z-index:2}
.login-art .foot-logo{align-self:flex-start}
.login-art h2{color:#fff;font-size:clamp(26px,2.6vw,38px);margin-bottom:14px}
.login-art p{color:#c3cde6;max-width:480px}
.login-feat{display:grid;gap:12px;margin-top:26px}
.login-feat li{display:flex;gap:12px;align-items:center}
.login-feat i{color:var(--gold-2)}
.login-side{display:flex;align-items:center;justify-content:center;padding:40px 24px;background:var(--mist)}
.login-card{width:min(440px,100%);background:#fff;border-radius:var(--radius-lg);padding:38px;box-shadow:var(--shadow)}
.login-card h1{font-size:28px;margin-bottom:4px}
.login-card > p{color:var(--muted);margin-bottom:22px}
.seg{display:grid;grid-template-columns:1fr 1fr;background:var(--mist);padding:5px;border-radius:999px;margin-bottom:22px}
.seg button{border:0;background:none;padding:10px;border-radius:999px;font-weight:600;cursor:pointer;color:var(--muted)}
.seg button.active{background:var(--sapphire);color:#fff}
.pw{position:relative}
.pw button{position:absolute;right:10px;top:50%;transform:translateY(-50%);border:0;background:none;color:var(--muted);cursor:pointer;padding:6px}
.login-row{display:flex;justify-content:space-between;align-items:center;gap:10px;margin:14px 0 22px;font-size:14px;flex-wrap:wrap}
.login-row a{color:var(--sapphire-2);font-weight:600}
.login-alt{text-align:center;margin-top:22px;font-size:14px;color:var(--muted)}
.login-alt a{color:var(--gold);font-weight:600}
.app-links{display:flex;gap:10px;justify-content:center;margin-top:16px;flex-wrap:wrap}

/* ---------- Responsive ---------- */
@media (max-width:1380px){
  .nav > li > a{padding:30px 8px;font-size:14px}
  .brand b{font-size:21px}
  .head-cta .btn{padding:11px 18px}
}
@media (max-width:1240px){
  .nav,.head-cta{display:none}
  .burger{display:grid;place-items:center}
  .foot-top{grid-template-columns:1fr 1fr 1fr}
  .foot-top > div:first-child{grid-column:1/-1}
  .g4{grid-template-columns:repeat(2,1fr)}
  .bento{grid-template-columns:repeat(2,1fr);grid-auto-rows:280px}
  .bento .tall,.bento .wide{grid-row:span 1;grid-column:span 1}
  .bento .last{grid-column:span 2}
}
@media (max-width:992px){
  :root{--w:90%}
  .section{padding:72px 0}
  .hero-inner{grid-template-columns:1fr;padding:60px 0 80px;min-height:auto}
  .seal{width:min(320px,80%);margin:10px auto 0}
  .split{grid-template-columns:1fr;gap:36px}
  .split .media{min-height:340px}
  .split.img-right > .media,.split.img-right > .collage{order:-1}
  .collage{min-height:440px}
  .pillars .wrap{grid-template-columns:1fr 1fr}
  .pillar:nth-child(2){border-right:0}
  .pillar:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .calc-box{grid-template-columns:1fr}
  .login-page{grid-template-columns:1fr}
  .login-art{min-height:auto;padding:36px 28px}
  .band-inner{padding:44px 32px}
  .offer-box{grid-template-columns:1fr}
  .offer-box .media{min-height:0;aspect-ratio:16/7}
}
@media (max-width:680px){
  :root{--w:92%}
  body{font-size:15px}
  .section{padding:56px 0}
  .ticker{font-size:12px}
  .topbar{font-size:12px}
  .topbar .reg{display:none}
  .topbar .wrap{justify-content:center;padding:7px 0}
  .topbar .contacts{gap:4px 14px;justify-content:center}
  .topbar .contacts a{font-size:11.5px}
  .site-header .wrap{min-height:72px}
  .logo img{height:auto;width:min(190px,55vw)}
  .site-header .logo{flex:0 1 auto;min-width:0}
  .brand b{font-size:18px}
  .brand small{font-size:11px}
  .hero h1{font-size:29px}
  .hero p{font-size:16px}
  .hero-btns .btn{flex:1 1 auto}
  .seal-badge{right:0;padding:10px 12px}
  .seal-ring text{font-size:14px}
  .pillars .wrap{grid-template-columns:1fr}
  .pillar{border-right:0;border-bottom:1px solid var(--line)}
  .g3,.g2,.g4,.fields,.ticks.two,.counters{grid-template-columns:1fr}
  .bento{grid-template-columns:1fr;grid-auto-rows:240px}
  .bento .wide,.bento .last{grid-column:span 1}
  .collage{min-height:360px}
  .collage .stamp{width:104px;height:104px}
  .collage .stamp b{font-size:24px}
  .foot-top{grid-template-columns:1fr;gap:34px;padding:56px 0 36px}
  .grievance-strip{grid-template-columns:1fr;gap:12px;padding:20px}
  .copy-bar .wrap{justify-content:center;text-align:center}
  .pbanner .wrap{padding:64px 0}
  .form-card,.calc-in,.calc-out,.login-card{padding:26px 20px}
  .rng-top input{width:110px}
  .donut{width:140px;height:140px}
  .donut::after{inset:22px}
  .modal-head{padding:24px 56px 16px 20px}
  .modal-head h3{font-size:19px}
  .modal-body{padding:18px 20px}
  .modal-foot{padding:0 20px 22px}
  .offer-copy{padding:20px 18px}
  .offer-copy h3{font-size:20px}
  .float-r{right:12px;bottom:18px}
  .float-r a,.fl-wa::before{width:48px;height:48px}
  .to-top{left:12px;bottom:18px;width:44px;height:44px}
  .map{height:340px}
  .info-card{padding:22px}
  .level{padding:18px}
}

/* ---------- Backend additions (forms / honeypot) ---------- */
.form-msg.err{background:#fdecec;color:#a12626}
.hp-wrap{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.btn[disabled]{opacity:.7;cursor:not-allowed;transform:none}