:root {
  --navy: #0a1628;
  --navy-2: #111d35;
  --navy-3: #1b2b4b;
  --navy-4: #253a5e;
  --slate: #4a6b94;
  --slate-2: #7a9ac4;
  --slate-3: #b0c8e8;
  --gold: #d4a853;
  --gold-2: #e4bf6a;
  --gold-3: #f5d98a;
  --gold-dark: #b8892a;
  --cream: #fdf8e8;
  --cream-2: #f5e9c8;
  --light: #edf2fa;
  --light-2: #d8e5f5;
  --white: #ffffff;
  --black: #000000;
  --red: #ef4444;
  --green: #10b981;

  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono: 'JetBrains Mono', 'Fira Code', Consolas, monospace;

  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --radius-pill: 999px;

  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out: cubic-bezier(0.22, 1, 0.36, 1);

  --shadow-sm: 0 2px 8px rgba(10, 22, 40, 0.06);
  --shadow-md: 0 8px 24px rgba(10, 22, 40, 0.08);
  --shadow-lg: 0 24px 48px rgba(10, 22, 40, 0.12);
  --shadow-gold: 0 12px 32px rgba(212, 168, 83, 0.35);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }
body {
  font-family: var(--font-body);
  color: var(--navy);
  background: var(--white);
  line-height: 1.6;
  font-size: 16px;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

/* Selection */
::selection { background: var(--gold); color: var(--navy); }

/* Container */
.container { max-width: 1280px; margin: 0 auto; padding: 0 32px; }
@media (max-width: 768px) { .container { padding: 0 20px; } }

/* ==================== ANNOUNCEMENT BAR ==================== */
.announcement {
  background: linear-gradient(90deg, var(--gold-dark) 0%, var(--gold) 50%, var(--gold-2) 100%);
  color: var(--navy);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.3px;
  padding: 10px 20px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.announcement-content {
  display: inline-flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  justify-content: center;
}
.announcement .pulse {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.announcement .pulse::before {
  content: '';
  width: 8px; height: 8px;
  background: var(--navy);
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(0.9); }
}
.announcement strong { font-weight: 700; text-transform: uppercase; letter-spacing: 0.8px; }
.announcement a { text-decoration: underline; font-weight: 700; }

/* ==================== HEADER ==================== */
.header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(10, 22, 40, 0.05);
  transition: all 0.3s var(--ease);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
}
.logo {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 600;
  letter-spacing: -0.5px;
  color: var(--navy);
  display: flex;
  align-items: center;
  gap: 10px;
}
.logo-mark {
  width: 32px; height: 32px;
  background: var(--navy);
  border-radius: 8px;
  display: grid;
  place-items: center;
  position: relative;
}
.logo-mark::after {
  content: '';
  width: 14px; height: 14px;
  background: var(--gold);
  transform: rotate(45deg);
}
.logo .accent { color: var(--gold); }

.nav { display: flex; gap: 36px; }
.nav a {
  font-size: 15px;
  font-weight: 500;
  color: var(--navy);
  position: relative;
  transition: color 0.2s;
}
.nav a:hover { color: var(--gold-dark); }
.nav a::after {
  content: '';
  position: absolute;
  bottom: -6px; left: 50%;
  width: 0; height: 2px;
  background: var(--gold);
  transition: all 0.3s var(--ease);
  transform: translateX(-50%);
}
.nav a:hover::after { width: 100%; }

.header-cta { display: flex; align-items: center; gap: 20px; }
.phone-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
}
.phone-link svg { width: 18px; height: 18px; color: var(--gold-dark); }
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 24px;
  border-radius: var(--radius-pill);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.3px;
  transition: all 0.3s var(--ease);
  cursor: pointer;
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-2) 100%);
  color: var(--navy);
  box-shadow: var(--shadow-gold);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 40px rgba(212, 168, 83, 0.5);
}
.btn-primary::after {
  content: '\2192';
  transition: transform 0.3s var(--ease);
}
.btn-primary:hover::after { transform: translateX(4px); }
.btn-ghost {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255, 255, 255, 0.3);
}
.btn-ghost:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.5);
}
.btn-dark {
  background: var(--navy);
  color: var(--white);
}
.btn-dark:hover {
  background: var(--navy-2);
  transform: translateY(-2px);
  box-shadow: 0 16px 40px rgba(10, 22, 40, 0.25);
}
.btn-lg { padding: 16px 32px; font-size: 16px; }

/* Hamburger button */
.hamburger {
  display: none;
  width: 40px;
  height: 40px;
  padding: 0;
  border-radius: 10px;
  background: var(--navy);
  cursor: pointer;
  position: relative;
}
.hamburger span {
  position: absolute;
  left: 10px;
  width: 20px;
  height: 2px;
  background: var(--gold);
  transition: all 0.3s var(--ease);
}
.hamburger span:nth-child(1) { top: 14px; }
.hamburger span:nth-child(2) { top: 19px; }
.hamburger span:nth-child(3) { top: 24px; }
.hamburger.open span:nth-child(1) { top: 19px; transform: rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { top: 19px; transform: rotate(-45deg); }

/* Mobile nav drawer */
.mobile-nav {
  position: fixed;
  top: 0; right: -100%;
  width: 320px;
  max-width: 90vw;
  height: 100vh;
  background: var(--navy);
  z-index: 200;
  transition: right 0.4s var(--ease);
  padding: 96px 32px 32px;
  overflow-y: auto;
}
.mobile-nav.open { right: 0; }
.mobile-nav-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(10, 22, 40, 0.6);
  backdrop-filter: blur(4px);
  z-index: 150;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s var(--ease);
}
.mobile-nav-backdrop.open {
  opacity: 1;
  pointer-events: auto;
}
.mobile-nav a {
  display: block;
  padding: 18px 0;
  font-size: 22px;
  font-family: var(--font-display);
  color: var(--white);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: color 0.2s;
}
.mobile-nav a:hover { color: var(--gold); }
.mobile-nav .mobile-cta {
  margin-top: 32px;
  width: 100%;
  justify-content: center;
}
.mobile-nav .mobile-phone {
  display: block;
  margin-top: 24px;
  font-size: 16px;
  color: var(--slate-3);
  text-align: center;
}

@media (max-width: 900px) {
  .nav, .phone-link { display: none; }
  .hamburger { display: block; }
}

/* ==================== HERO ==================== */
.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--navy);
}
.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
.hero-bg img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center;
}
.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg,
    rgba(10, 22, 40, 0.92) 0%,
    rgba(10, 22, 40, 0.78) 40%,
    rgba(10, 22, 40, 0.4) 70%,
    rgba(10, 22, 40, 0.1) 100%);
}
.hero-content {
  position: relative;
  z-index: 2;
  padding: 80px 0;
  max-width: 720px;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 16px;
  background: rgba(212, 168, 83, 0.15);
  border: 1px solid rgba(212, 168, 83, 0.4);
  border-radius: var(--radius-pill);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--gold-3);
  margin-bottom: 28px;
  opacity: 0;
  animation: fadeUp 0.8s var(--ease-out) 0.2s forwards;
}
.eyebrow .dot {
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}

.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(44px, 6vw, 76px);
  line-height: 1.05;
  font-weight: 600;
  letter-spacing: -2px;
  color: var(--white);
  margin-bottom: 24px;
  opacity: 0;
  animation: fadeUp 1s var(--ease-out) 0.4s forwards;
}
.hero h1 .gold {
  color: var(--gold);
  font-style: italic;
  font-weight: 500;
}
.hero h1 .gold::after {
  content: '.';
  color: var(--gold);
}

.hero-lead {
  font-size: clamp(17px, 1.4vw, 20px);
  line-height: 1.6;
  color: var(--slate-3);
  margin-bottom: 40px;
  max-width: 560px;
  opacity: 0;
  animation: fadeUp 1s var(--ease-out) 0.6s forwards;
}

.hero-ctas {
  display: flex;
  gap: 16px;
  align-items: center;
  flex-wrap: wrap;
  margin-bottom: 48px;
  opacity: 0;
  animation: fadeUp 1s var(--ease-out) 0.8s forwards;
}

.hero-trust {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  opacity: 0;
  animation: fadeUp 1s var(--ease-out) 1s forwards;
}
.hero-trust .item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: var(--slate-2);
  letter-spacing: 0.4px;
}
.hero-trust .check {
  width: 20px; height: 20px;
  background: var(--gold);
  border-radius: 50%;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.hero-trust .check svg { width: 12px; height: 12px; color: var(--navy); }

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Hero side card */
.hero-rating {
  position: absolute;
  right: 5%;
  bottom: 80px;
  z-index: 3;
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-md);
  padding: 24px;
  width: 240px;
  opacity: 0;
  animation: fadeUp 1s var(--ease-out) 1.2s forwards;
}
.hero-rating .stars {
  color: var(--gold);
  font-size: 18px;
  margin-bottom: 8px;
}
.hero-rating .num {
  font-family: var(--font-display);
  font-size: 32px;
  font-weight: 600;
  color: var(--white);
  line-height: 1;
  margin-bottom: 6px;
}
.hero-rating .label {
  font-size: 12px;
  color: var(--slate-3);
  letter-spacing: 0.5px;
}
@media (max-width: 900px) { .hero-rating { display: none; } }

/* ==================== STATS BAND ==================== */
.stats {
  background: var(--cream);
  padding: 60px 0;
  border-bottom: 1px solid var(--cream-2);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  align-items: center;
}
.stat {
  text-align: center;
  padding: 0 16px;
  position: relative;
}
.stat:not(:last-child)::after {
  content: '';
  position: absolute;
  right: -16px; top: 50%;
  width: 1px; height: 60%;
  background: var(--gold-2);
  transform: translateY(-50%);
  opacity: 0.5;
}
.stat-num {
  font-family: var(--font-display);
  font-size: clamp(36px, 4.5vw, 52px);
  font-weight: 600;
  color: var(--navy);
  line-height: 1;
  letter-spacing: -1.5px;
  margin-bottom: 8px;
}
.stat-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--slate);
}
@media (max-width: 720px) {
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 32px 16px; }
  .stat:not(:last-child)::after { display: none; }
}

/* ==================== SIX-WEEK OFFER BANNER ==================== */
.offer-band {
  position: relative;
  padding: 100px 0;
  overflow: hidden;
  background: var(--navy);
}
.offer-bg {
  position: absolute; inset: 0; z-index: 0;
}
.offer-bg img {
  width: 100%; height: 100%; object-fit: cover;
}
.offer-bg::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(110deg,
    rgba(10, 22, 40, 0.95) 0%,
    rgba(10, 22, 40, 0.75) 50%,
    rgba(10, 22, 40, 0.3) 100%);
}
.offer-inner {
  position: relative; z-index: 2;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 64px;
  align-items: center;
}
.offer-text .eyebrow { margin-bottom: 24px; }
.offer-text h2 {
  font-family: var(--font-display);
  font-size: clamp(38px, 4.5vw, 56px);
  line-height: 1.05;
  font-weight: 600;
  letter-spacing: -1.5px;
  color: var(--white);
  margin-bottom: 24px;
}
.offer-text h2 .gold { color: var(--gold); }
.offer-text p {
  color: var(--slate-3);
  font-size: 17px;
  line-height: 1.65;
  margin-bottom: 32px;
  max-width: 520px;
}
.offer-features {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-bottom: 36px;
  max-width: 520px;
}
.offer-feature {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  color: var(--white);
  font-size: 14px;
  font-weight: 500;
}
.offer-feature .icon {
  width: 28px; height: 28px;
  background: rgba(212, 168, 83, 0.18);
  border-radius: 8px;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  color: var(--gold);
}

.countdown-card {
  background: rgba(255, 255, 255, 0.06);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(212, 168, 83, 0.3);
  border-radius: var(--radius-lg);
  padding: 40px;
  position: relative;
}
.countdown-card::before {
  content: '';
  position: absolute;
  top: -1px; left: 20px; right: 20px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}
.countdown-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}
.countdown-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
  margin-bottom: 28px;
}
.countdown-cell {
  background: var(--navy);
  border: 1px solid var(--navy-3);
  border-radius: var(--radius-md);
  padding: 16px 8px;
  text-align: center;
}
.countdown-cell .v {
  font-family: var(--font-display);
  font-size: 32px;
  font-weight: 600;
  color: var(--gold);
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.countdown-cell .u {
  font-size: 10px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--slate-2);
  margin-top: 6px;
}

@media (max-width: 900px) {
  .offer-inner { grid-template-columns: 1fr; gap: 48px; }
  .offer-features { grid-template-columns: 1fr; }
}

/* ==================== SECTION ==================== */
.section { padding: 120px 0; }
.section-light { background: var(--light); }
.section-cream { background: var(--cream); }
.section-navy { background: var(--navy); color: var(--white); }

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 72px;
}
.section-header.left { text-align: left; margin-left: 0; }
.eyebrow-light {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 16px;
  background: rgba(212, 168, 83, 0.1);
  border: 1px solid rgba(212, 168, 83, 0.3);
  border-radius: var(--radius-pill);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 24px;
}
.eyebrow-light .dot {
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
}
.section-header h2 {
  font-family: var(--font-display);
  font-size: clamp(36px, 4vw, 52px);
  line-height: 1.1;
  font-weight: 600;
  letter-spacing: -1.5px;
  color: var(--navy);
  margin-bottom: 16px;
}
.section-header h2 .gold {
  color: var(--gold-dark);
  font-style: italic;
  font-weight: 500;
}
.section-header p {
  font-size: 18px;
  color: var(--slate);
  line-height: 1.6;
}
.section-navy .section-header h2 { color: var(--white); }
.section-navy .section-header p { color: var(--slate-3); }

/* ==================== PRODUCTS GRID ==================== */
.products {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.product {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--light-2);
  transition: all 0.5s var(--ease);
  cursor: pointer;
  position: relative;
}
.product:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold-2);
}
.product-image {
  aspect-ratio: 4/3;
  overflow: hidden;
  position: relative;
}
.product-image img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 0.8s var(--ease);
}
.product:hover .product-image img { transform: scale(1.06); }
.product-image::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 60%, rgba(10, 22, 40, 0.4) 100%);
}
.product-tag {
  position: absolute;
  top: 16px; left: 16px;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(8px);
  padding: 6px 12px;
  border-radius: var(--radius-pill);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  color: var(--navy);
  z-index: 2;
}
.product-body {
  padding: 28px;
}
.product h3 {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
  letter-spacing: -0.5px;
}
.product .range {
  font-size: 14px;
  font-weight: 600;
  color: var(--gold-dark);
  margin-bottom: 14px;
  letter-spacing: 0.3px;
}
.product p {
  font-size: 14px;
  line-height: 1.6;
  color: var(--slate);
  margin-bottom: 20px;
}
.product .more {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  transition: gap 0.3s var(--ease);
}
.product .more::after {
  content: '\2192';
  transition: transform 0.3s var(--ease);
}
.product:hover .more { gap: 10px; color: var(--gold-dark); }

@media (max-width: 960px) { .products { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .products { grid-template-columns: 1fr; } }

/* ==================== CALCULATOR ==================== */
.calculator-section {
  background: linear-gradient(180deg, var(--cream) 0%, var(--cream-2) 100%);
}
.calculator-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 56px;
  align-items: start;
}
.calc-text { padding-top: 12px; }
.calc-text h2 {
  font-family: var(--font-display);
  font-size: clamp(34px, 4vw, 48px);
  line-height: 1.1;
  font-weight: 600;
  letter-spacing: -1.5px;
  color: var(--navy);
  margin-bottom: 18px;
}
.calc-text h2 .gold { color: var(--gold-dark); font-style: italic; font-weight: 500; }
.calc-text p { font-size: 17px; color: var(--slate); line-height: 1.65; margin-bottom: 28px; }
.calc-trust {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}
.calc-trust .item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: var(--slate);
  letter-spacing: 0.3px;
}
.calc-trust .check {
  width: 20px; height: 20px;
  background: var(--navy);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--gold);
  font-size: 12px;
  font-weight: 700;
}

.calc-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: 0 24px 64px rgba(10, 22, 40, 0.08);
  border: 1px solid var(--cream-2);
}
.calc-field { margin-bottom: 22px; }
.calc-field label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  color: var(--slate);
  margin-bottom: 12px;
}
.calc-field label .v {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: -0.5px;
  text-transform: none;
}
.calc-field input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--cream);
  border-radius: 3px;
  outline: none;
}
.calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px; height: 24px;
  background: var(--gold);
  border: 3px solid var(--navy);
  border-radius: 50%;
  cursor: grab;
  transition: transform 0.2s var(--ease);
}
.calc-field input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
.calc-field input[type="range"]::-moz-range-thumb {
  width: 24px; height: 24px;
  background: var(--gold);
  border: 3px solid var(--navy);
  border-radius: 50%;
  cursor: grab;
}
.calc-purpose {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin-bottom: 24px;
}
.calc-purpose button {
  padding: 10px 8px;
  border-radius: 10px;
  background: var(--cream);
  border: 1.5px solid transparent;
  font-size: 12px;
  font-weight: 600;
  color: var(--slate);
  cursor: pointer;
  transition: all 0.2s var(--ease);
}
.calc-purpose button.active {
  background: var(--navy);
  color: var(--gold);
  border-color: var(--gold);
}
.calc-purpose button:hover { color: var(--navy); }
.calc-purpose button.active:hover { color: var(--gold); }

.calc-result {
  background: var(--navy);
  border-radius: var(--radius-md);
  padding: 24px;
  margin-top: 8px;
  position: relative;
  overflow: hidden;
}
.calc-result::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold-dark), var(--gold), var(--gold-3), var(--gold));
}
.calc-result .label {
  font-size: 11px;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 6px;
}
.calc-result .v {
  font-family: var(--font-display);
  font-size: 38px;
  font-weight: 600;
  color: var(--white);
  letter-spacing: -1px;
  line-height: 1;
  margin-bottom: 4px;
}
.calc-result .sub {
  font-size: 12px;
  color: var(--slate-3);
  margin-top: 4px;
}
.calc-card .calc-cta {
  width: 100%;
  margin-top: 20px;
  justify-content: center;
}
.calc-disclaimer {
  margin-top: 14px;
  font-size: 11px;
  color: var(--slate-2);
  text-align: center;
  line-height: 1.5;
}

@media (max-width: 900px) {
  .calculator-grid { grid-template-columns: 1fr; gap: 32px; }
  .calc-purpose { grid-template-columns: 1fr 1fr; }
}

/* ==================== PRIVATE LENDING BAND ==================== */
.private {
  position: relative;
  padding: 120px 0;
  overflow: hidden;
  background: var(--navy);
}
.private-bg {
  position: absolute; inset: 0; z-index: 0;
}
.private-bg img { width: 100%; height: 100%; object-fit: cover; }
.private-bg::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(90deg,
    rgba(10, 22, 40, 0.3) 0%,
    rgba(10, 22, 40, 0.5) 30%,
    rgba(10, 22, 40, 0.9) 65%,
    rgba(10, 22, 40, 0.98) 100%);
}
.private-inner {
  position: relative; z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 64px;
  align-items: center;
}
.private-text { grid-column: 2; }
.private h2 {
  font-family: var(--font-display);
  font-size: clamp(40px, 5vw, 64px);
  line-height: 1.05;
  font-weight: 600;
  letter-spacing: -2px;
  color: var(--white);
  margin-bottom: 24px;
}
.private h2 .gold {
  color: var(--gold);
  font-style: italic;
  font-weight: 500;
}
.private-lead {
  font-size: 18px;
  color: var(--slate-3);
  line-height: 1.65;
  margin-bottom: 36px;
  max-width: 560px;
}
.private-points {
  list-style: none;
  margin-bottom: 40px;
}
.private-points li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 16px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  color: var(--white);
  font-size: 16px;
}
.private-points li:last-child { border-bottom: none; }
.private-points .num {
  font-family: var(--font-display);
  font-size: 24px;
  font-weight: 600;
  color: var(--gold);
  flex-shrink: 0;
  width: 36px;
  line-height: 1;
}
.private-points strong { color: var(--white); font-weight: 600; }
.private-points span { color: var(--slate-3); display: block; margin-top: 2px; font-size: 14px; line-height: 1.6; font-weight: 400; }
.private-ctas { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; }

@media (max-width: 900px) {
  .private-inner { grid-template-columns: 1fr; gap: 0; }
  .private-text { grid-column: 1; }
}

/* ==================== HOW IT WORKS ==================== */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.step {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--light-2);
  position: relative;
  transition: all 0.4s var(--ease);
}
.step:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold-2);
}
.step-image {
  aspect-ratio: 4/3;
  overflow: hidden;
  position: relative;
}
.step-image img { width: 100%; height: 100%; object-fit: cover; }
.step-num {
  position: absolute;
  top: 20px; left: 20px;
  width: 48px; height: 48px;
  background: var(--navy);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  color: var(--gold);
  z-index: 2;
  border: 2px solid var(--gold);
}
.step-body { padding: 28px; }
.step h3 {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.4px;
  color: var(--navy);
  margin-bottom: 10px;
}
.step p { font-size: 14px; line-height: 1.6; color: var(--slate); margin-bottom: 16px; }
.step .tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 12px;
  background: var(--cream);
  border-radius: var(--radius-pill);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--gold-dark);
}

@media (max-width: 900px) { .steps { grid-template-columns: 1fr; } }

/* ==================== LENDER PANEL ==================== */
.lenders {
  position: relative;
  padding: 100px 0;
  background: var(--navy-2);
  overflow: hidden;
}
.lenders-bg {
  position: absolute; inset: 0; z-index: 0; opacity: 0.4;
}
.lenders-bg img { width: 100%; height: 100%; object-fit: cover; }
.lenders-bg::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(180deg, var(--navy-2) 0%, transparent 30%, transparent 70%, var(--navy-2) 100%);
}
.lenders-inner { position: relative; z-index: 2; }

.marquee-wrap {
  position: relative;
  overflow: hidden;
  padding: 32px 0;
  -webkit-mask-image: linear-gradient(90deg, transparent, black 10%, black 90%, transparent);
  mask-image: linear-gradient(90deg, transparent, black 10%, black 90%, transparent);
}
.marquee {
  display: flex;
  gap: 64px;
  animation: marquee 40s linear infinite;
  width: max-content;
}
.marquee-wrap:hover .marquee { animation-play-state: paused; }
.marquee .logo-chip {
  display: grid;
  place-items: center;
  height: 88px;
  min-width: 180px;
  padding: 0 28px;
  background: rgba(255, 255, 255, 0.96);
  border: 1px solid rgba(255, 255, 255, 0.04);
  border-radius: var(--radius-md);
  color: var(--cream);
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  letter-spacing: 0.5px;
  transition: all 0.3s var(--ease);
  white-space: nowrap;
  flex-shrink: 0;
}
.marquee .logo-chip img {
  max-height: 44px;
  max-width: 150px;
  width: auto;
  height: auto;
  object-fit: contain;
  filter: none;
  transition: transform 0.3s var(--ease);
}
.marquee .logo-chip:hover {
  background: var(--white);
  border-color: var(--gold);
  transform: translateY(-2px);
  box-shadow: 0 12px 28px rgba(212, 168, 83, 0.25);
}
.marquee .logo-chip:hover img { transform: scale(1.06); }
@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

/* ==================== TESTIMONIALS ==================== */
.testimonials-section {
  position: relative;
  padding: 120px 0;
  overflow: hidden;
}
.testimonials-bg {
  position: absolute; inset: 0; z-index: 0;
}
.testimonials-bg img { width: 100%; height: 100%; object-fit: cover; }
.testimonials-bg::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(180deg, var(--cream) 0%, rgba(253, 248, 232, 0.85) 100%);
}
.testimonials-inner { position: relative; z-index: 2; }

.testimonials {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial {
  background: var(--white);
  border: 1px solid var(--cream-2);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  position: relative;
  transition: all 0.4s var(--ease);
}
.testimonial:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold-2);
}
.testimonial::before {
  content: '\201C';
  position: absolute;
  top: 16px; right: 24px;
  font-family: var(--font-display);
  font-size: 80px;
  line-height: 1;
  color: var(--gold-2);
  opacity: 0.4;
}
.testimonial-stars { color: var(--gold); margin-bottom: 18px; font-size: 16px; letter-spacing: 2px; }
.testimonial p {
  font-family: var(--font-display);
  font-size: 19px;
  line-height: 1.5;
  color: var(--navy);
  margin-bottom: 28px;
  font-weight: 500;
}
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.testimonial-avatar {
  width: 52px; height: 52px;
  border-radius: 50%;
  overflow: hidden;
  border: 2px solid var(--gold);
  flex-shrink: 0;
}
.testimonial-avatar img { width: 100%; height: 100%; object-fit: cover; }
.testimonial-meta strong {
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 2px;
}
.testimonial-meta .role {
  font-size: 12px;
  color: var(--slate);
  letter-spacing: 0.3px;
}

@media (max-width: 900px) { .testimonials { grid-template-columns: 1fr; } }

/* ==================== REVIEW WALL ==================== */
.review-wall {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-top: 56px;
}
.review-card {
  background: var(--white);
  border: 1px solid var(--cream-2);
  border-radius: var(--radius-md);
  padding: 24px;
  transition: all 0.3s var(--ease);
  position: relative;
}
.review-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold-2);
}
.review-card .stars { color: var(--gold); font-size: 13px; letter-spacing: 1px; margin-bottom: 12px; }
.review-card .verified {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin-left: 8px;
  font-size: 10px;
  color: var(--green);
  font-weight: 600;
  letter-spacing: 0.3px;
}
.review-card .verified::before { content: '\2713'; font-size: 11px; }
.review-card .title {
  font-family: var(--font-display);
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
  line-height: 1.3;
}
.review-card p {
  font-size: 13px;
  line-height: 1.6;
  color: var(--slate);
  margin-bottom: 16px;
}
.review-card .author {
  display: flex;
  align-items: center;
  gap: 10px;
  padding-top: 14px;
  border-top: 1px solid var(--cream-2);
}
.review-card .avatar {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-3));
  display: grid;
  place-items: center;
  color: var(--gold);
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 600;
  flex-shrink: 0;
  border: 2px solid var(--gold);
}
.review-card .avatar img {
  width: 100%; height: 100%;
  border-radius: 50%;
  object-fit: cover;
}
.review-card .name {
  font-size: 13px;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.2;
}
.review-card .loc {
  font-size: 11px;
  color: var(--slate);
  margin-top: 2px;
  letter-spacing: 0.3px;
}
.review-summary {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 32px;
  margin-top: 64px;
  flex-wrap: wrap;
}
.review-summary-rating { display: flex; align-items: center; gap: 16px; }
.review-summary-rating .big {
  font-family: var(--font-display);
  font-size: 56px;
  font-weight: 600;
  color: var(--navy);
  line-height: 1;
  letter-spacing: -2px;
}
.review-summary-rating .meta { font-size: 13px; color: var(--slate); }
.review-summary-rating .meta strong { display: block; color: var(--navy); font-size: 15px; margin-bottom: 4px; }
.review-summary-rating .meta .stars { color: var(--gold); letter-spacing: 2px; }

@media (max-width: 900px) { .review-wall { grid-template-columns: 1fr; } }
@media (min-width: 901px) and (max-width: 1100px) { .review-wall { grid-template-columns: repeat(2, 1fr); } }

/* ==================== FAQ ==================== */
.faq {
  max-width: 800px;
  margin: 0 auto;
}
.faq-item {
  border-bottom: 1px solid var(--light-2);
  cursor: pointer;
}
.faq-item:first-child { border-top: 1px solid var(--light-2); }
.faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 24px 8px;
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--navy);
  letter-spacing: -0.3px;
  user-select: none;
  transition: color 0.2s;
}
.faq-q:hover { color: var(--gold-dark); }
.faq-q .toggle {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--cream);
  display: grid;
  place-items: center;
  flex-shrink: 0;
  margin-left: 16px;
  transition: all 0.3s var(--ease);
}
.faq-q .toggle::before {
  content: '+';
  font-size: 22px;
  font-weight: 400;
  color: var(--navy);
  transition: transform 0.3s var(--ease);
  line-height: 1;
}
.faq-item.open .faq-q .toggle {
  background: var(--navy);
  transform: rotate(45deg);
}
.faq-item.open .faq-q .toggle::before { color: var(--gold); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.5s var(--ease), padding 0.5s var(--ease);
  padding: 0 8px;
}
.faq-item.open .faq-a {
  max-height: 400px;
  padding: 0 8px 24px;
}
.faq-a p {
  font-size: 15px;
  line-height: 1.7;
  color: var(--slate);
}

/* ==================== FLOATING CTA ==================== */
.floating-cta {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 90;
  background: var(--gold);
  color: var(--navy);
  padding: 14px 22px;
  border-radius: var(--radius-pill);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.3px;
  box-shadow: 0 12px 32px rgba(212, 168, 83, 0.5);
  transition: all 0.3s var(--ease);
  opacity: 0;
  transform: translateY(20px);
  pointer-events: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
}
.floating-cta.show {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.floating-cta:hover {
  transform: translateY(-3px);
  box-shadow: 0 16px 40px rgba(212, 168, 83, 0.6);
  background: var(--gold-2);
}
.floating-cta::before {
  content: '';
  width: 8px; height: 8px;
  background: var(--navy);
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}
@media (max-width: 540px) {
  .floating-cta { bottom: 16px; right: 16px; padding: 12px 18px; font-size: 13px; }
}

/* ==================== TEAM ==================== */
.team {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.team-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--light-2);
  transition: all 0.4s var(--ease);
}
.team-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}
.team-image {
  aspect-ratio: 4/5;
  overflow: hidden;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-3) 60%, var(--navy) 100%);
  position: relative;
}
.team-image::before {
  content: attr(data-initials);
  position: absolute;
  inset: 0;
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-size: 96px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: -2px;
  opacity: 0.85;
  z-index: 0;
}
.team-image::after {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 30% 20%, rgba(212, 168, 83, 0.15), transparent 50%),
    radial-gradient(circle at 70% 80%, rgba(212, 168, 83, 0.1), transparent 50%);
  z-index: 0;
}
.team-image img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 0.8s var(--ease);
  position: relative;
  z-index: 1;
}
.team-card:hover .team-image img { transform: scale(1.04); }
.team-body { padding: 24px; }
.team-card h3 {
  font-family: var(--font-display);
  font-size: 22px;
  font-weight: 600;
  letter-spacing: -0.4px;
  color: var(--navy);
  margin-bottom: 4px;
}
.team-card .role {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 12px;
}
.team-card p { font-size: 14px; line-height: 1.6; color: var(--slate); }

@media (max-width: 900px) { .team { grid-template-columns: 1fr; } }

/* ==================== CTA SECTION ==================== */
.cta-section {
  position: relative;
  padding: 140px 0;
  overflow: hidden;
  background: var(--navy);
}
.cta-bg { position: absolute; inset: 0; z-index: 0; }
.cta-bg img { width: 100%; height: 100%; object-fit: cover; }
.cta-bg::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(10, 22, 40, 0.85) 0%, rgba(10, 22, 40, 0.6) 100%);
}
.cta-inner { position: relative; z-index: 2; text-align: center; max-width: 720px; margin: 0 auto; }
.cta-inner h2 {
  font-family: var(--font-display);
  font-size: clamp(40px, 5vw, 64px);
  line-height: 1.05;
  font-weight: 600;
  letter-spacing: -2px;
  color: var(--white);
  margin-bottom: 24px;
}
.cta-inner h2 .gold { color: var(--gold); font-style: italic; font-weight: 500; }
.cta-inner p {
  font-size: 18px;
  color: var(--slate-3);
  margin-bottom: 40px;
  max-width: 560px;
  margin-left: auto; margin-right: auto;
}
.cta-buttons { display: inline-flex; gap: 16px; align-items: center; flex-wrap: wrap; justify-content: center; }
.cta-micro {
  margin-top: 24px;
  font-size: 13px;
  color: var(--slate-2);
  letter-spacing: 0.5px;
}

/* ==================== FOOTER ==================== */
.footer {
  background: var(--navy);
  color: var(--slate-3);
  padding: 80px 0 32px;
  border-top: 1px solid var(--navy-3);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 64px;
}
.footer .logo { color: var(--white); margin-bottom: 20px; }
.footer .logo .accent { color: var(--gold); }
.footer-intro { font-size: 14px; line-height: 1.6; color: var(--slate-2); margin-bottom: 24px; }
.footer-contact { font-size: 14px; color: var(--slate-3); line-height: 1.8; }
.footer-contact strong { color: var(--white); }

.footer h4 {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.2px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 20px;
}
.footer ul { list-style: none; }
.footer ul li { margin-bottom: 12px; }
.footer ul a {
  font-size: 14px;
  color: var(--slate-3);
  transition: color 0.2s;
}
.footer ul a:hover { color: var(--gold); }

.footer-bottom {
  padding-top: 32px;
  border-top: 1px solid var(--navy-3);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-disclaimer {
  font-size: 11px;
  line-height: 1.6;
  color: var(--slate-2);
  max-width: 900px;
  margin-bottom: 24px;
}
.footer-copy { font-size: 12px; color: var(--slate-2); }
.footer-links { display: flex; gap: 24px; }
.footer-links a { font-size: 12px; color: var(--slate-2); }
.footer-links a:hover { color: var(--gold); }

@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
}
@media (max-width: 540px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* ==================== SCROLL REVEAL ====================
   Visible-by-default. JS adds .js-anim to <html> early; only then do
   reveals start hidden and fade in. This means if JS fails or is slow,
   nothing stays invisible. */
.js-anim .reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 1s var(--ease-out), transform 1s var(--ease-out);
}
.js-anim .reveal.in {
  opacity: 1;
  transform: translateY(0);
}
.js-anim .reveal-stagger > * {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.8s var(--ease-out), transform 0.8s var(--ease-out);
}
.js-anim .reveal-stagger.in > *:nth-child(1) { transition-delay: 0.05s; }
.js-anim .reveal-stagger.in > *:nth-child(2) { transition-delay: 0.15s; }
.js-anim .reveal-stagger.in > *:nth-child(3) { transition-delay: 0.25s; }
.js-anim .reveal-stagger.in > *:nth-child(4) { transition-delay: 0.35s; }
.js-anim .reveal-stagger.in > *:nth-child(5) { transition-delay: 0.45s; }
.js-anim .reveal-stagger.in > *:nth-child(6) { transition-delay: 0.55s; }
.js-anim .reveal-stagger.in > * { opacity: 1; transform: translateY(0); }

/* Reduce motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
}