/* ==========================================================================
   Simple Finance 4 All — site styles
   Palette: forest green + warm cream + copper. Editorial, not glossy.
   ========================================================================== */

:root {
  --ink: #13211b;
  --ink-soft: #3a4a42;
  --muted: #5f6b64;
  --forest: #0f3d2e;
  --forest-deep: #0a2b20;
  --forest-soft: #17513d;
  --cream: #f6f3ea;
  --cream-deep: #efe9da;
  --paper: #ffffff;
  --line: #e0d9c8;
  --line-soft: #ece7db;
  --copper: #b4652f;
  --copper-soft: #d08a55;
  --olive: #6d7b52;
  --warn: #a8471f;

  --font-display: "Fraunces", "Iowan Old Style", "Palatino Linotype", Palatino, Georgia, serif;
  --font-body: "Manrope", "Helvetica Neue", Arial, sans-serif;
  --font-mono: "IBM Plex Mono", "SFMono-Regular", Consolas, monospace;

  --r-sm: 6px;
  --r-md: 10px;
  --r-lg: 16px;

  --shadow-sm: 0 1px 2px rgba(19, 33, 27, 0.05);
  --shadow-md: 0 14px 34px -22px rgba(19, 33, 27, 0.45);
  --shadow-lg: 0 30px 60px -40px rgba(19, 33, 27, 0.55);

  --wrap: 1200px;
}

*,
*::before,
*::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  background: var(--cream);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16.5px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; }

h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  font-weight: 600;
  letter-spacing: -0.02em;
  line-height: 1.08;
  margin: 0 0 0.5em;
  color: var(--ink);
}

p { margin: 0 0 1.1em; }
p:last-child { margin-bottom: 0; }

::selection { background: var(--forest); color: #fff; }

:focus-visible {
  outline: 2px solid var(--copper);
  outline-offset: 3px;
  border-radius: 3px;
}

.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding: 0 28px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--forest);
  color: #fff;
  padding: 12px 18px;
  z-index: 999;
  border-radius: 0 0 var(--r-sm) 0;
}
.skip-link:focus { left: 0; }

/* =============================== header ================================= */

.site-header {
  position: sticky;
  top: 0;
  z-index: 80;
  background: rgba(246, 243, 234, 0.94);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}

.header-inner {
  display: flex;
  align-items: center;
  gap: 28px;
  height: 76px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  flex-shrink: 0;
}

.brand-mark {
  width: 34px;
  height: 34px;
  border-radius: 8px;
  background: var(--forest);
  color: #f6f3ea;
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-size: 17px;
  font-weight: 600;
  letter-spacing: -0.04em;
  box-shadow: inset 0 0 0 1px rgba(255, 255, 255, 0.14);
}

.brand-words { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name {
  font-family: var(--font-display);
  font-size: 19px;
  font-weight: 600;
  letter-spacing: -0.02em;
}
.brand-tag {
  font-family: var(--font-mono);
  font-size: 9.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
}

.nav {
  display: flex;
  align-items: center;
  gap: 30px;
  margin-left: auto;
}

.nav a {
  position: relative;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--ink-soft);
  padding: 6px 0;
  transition: color 0.18s ease;
}
.nav a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -2px;
  width: 0;
  height: 2px;
  background: var(--copper);
  transition: width 0.22s ease;
}
.nav a:hover { color: var(--ink); }
.nav a:hover::after { width: 100%; }
.nav a[aria-current="page"] { color: var(--ink); }
.nav a[aria-current="page"]::after { width: 100%; background: var(--forest); }

.header-cta { display: flex; align-items: center; gap: 12px; }

.menu-btn {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line);
  background: var(--paper);
  border-radius: var(--r-sm);
  cursor: pointer;
  padding: 0;
  place-items: center;
}
.menu-btn span {
  display: block;
  width: 18px;
  height: 1.6px;
  background: var(--ink);
  margin: 3.4px auto;
  transition: transform 0.2s ease, opacity 0.2s ease;
}
.menu-btn[aria-expanded="true"] span:nth-child(1) { transform: translateY(5px) rotate(45deg); }
.menu-btn[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-btn[aria-expanded="true"] span:nth-child(3) { transform: translateY(-5px) rotate(-45deg); }

.mobile-nav {
  display: none;
  border-top: 1px solid var(--line);
  background: var(--cream);
  padding: 10px 0 22px;
}
.mobile-nav.open { display: block; }
.mobile-nav a {
  display: block;
  padding: 13px 0;
  font-size: 17px;
  font-family: var(--font-display);
  border-bottom: 1px solid var(--line-soft);
}
.mobile-nav a:last-of-type { border-bottom: 0; }
.mobile-nav .btn { margin-top: 16px; width: 100%; }

/* =============================== buttons ================================ */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 13px 22px;
  border-radius: var(--r-sm);
  font-size: 14.5px;
  font-weight: 700;
  letter-spacing: 0.01em;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease,
    transform 0.2s ease, box-shadow 0.2s ease;
  white-space: nowrap;
}

.btn-primary {
  background: var(--forest);
  color: #f7f4ec;
  border-color: var(--forest);
  box-shadow: var(--shadow-sm);
}
.btn-primary:hover {
  background: var(--forest-deep);
  border-color: var(--forest-deep);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--ink);
  border-color: #cfc7b3;
}
.btn-outline:hover {
  border-color: var(--forest);
  background: rgba(15, 61, 46, 0.05);
  transform: translateY(-1px);
}

.btn-ghost {
  background: var(--paper);
  border-color: var(--line);
  color: var(--ink);
}
.btn-ghost:hover { border-color: var(--forest); }

.btn-sm { padding: 10px 16px; font-size: 13.5px; }
.btn-block { width: 100%; }
.btn .arw { transition: transform 0.2s ease; }
.btn:hover .arw { transform: translateX(3px); }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13.5px;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--forest);
  border-bottom: 1px solid rgba(15, 61, 46, 0.28);
  padding-bottom: 2px;
  transition: color 0.18s ease, border-color 0.18s ease, gap 0.18s ease;
}
.link-arrow:hover { color: var(--copper); border-color: var(--copper); gap: 12px; }

/* =============================== type bits ============================== */

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 20px;
}
.eyebrow::before {
  content: "";
  width: 26px;
  height: 1px;
  background: var(--copper);
  display: block;
}
.eyebrow--light { color: var(--copper-soft); }
.eyebrow--light::before { background: var(--copper-soft); }

.h1 { font-size: clamp(2.5rem, 6vw, 4.4rem); }
.h2 { font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 16px; }
.h3 { font-size: clamp(1.35rem, 2.2vw, 1.7rem); }
.h4 { font-size: 1.16rem; }

.lede {
  font-size: clamp(1.06rem, 1.5vw, 1.22rem);
  color: var(--ink-soft);
  line-height: 1.68;
  max-width: 60ch;
}
.muted { color: var(--muted); }
.small { font-size: 0.9rem; }
.hl {
  font-style: italic;
  color: var(--forest);
  position: relative;
}
.hl-underline { position: relative; display: inline-block; }
.hl-underline::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0.06em;
  height: 0.32em;
  background: rgba(180, 101, 47, 0.22);
  z-index: -1;
  border-radius: 2px;
}

/* =============================== sections =============================== */

.section { padding: 96px 0; position: relative; }
.section--tight { padding: 64px 0; }
.section--cream-deep { background: var(--cream-deep); }
.section--paper { background: var(--paper); }
.section--forest {
  background: var(--forest);
  color: #eceadf;
}
.section--forest h2,
.section--forest h3 { color: #f7f4ec; }
.section--forest .lede { color: rgba(236, 234, 223, 0.78); }

.rule { height: 1px; background: var(--line); border: 0; margin: 0; }

.section-head {
  display: flex;
  flex-wrap: wrap;
  gap: 26px 36px;
  align-items: flex-end;
  justify-content: space-between;
  margin-bottom: 52px;
}
.section-head .lede { max-width: 44ch; }
.section-head__left { max-width: 590px; flex: 1 1 420px; }

.section-head--center {
  display: block;
  text-align: center;
  max-width: 720px;
  margin: 0 auto 56px;
}
.section-head--center .lede { margin: 0 auto; }
.section-head--center .eyebrow { justify-content: center; }

/* ================================ hero ================================= */

.hero {
  position: relative;
  padding: 76px 0 0;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--line), transparent);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 64px;
  align-items: center;
  padding-bottom: 72px;
}

.hero h1 {
  font-size: clamp(2.9rem, 6.4vw, 5rem);
  margin-bottom: 22px;
}
.hero h1 .line { display: block; }

.hero .lede { margin-bottom: 32px; }

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
  margin-bottom: 34px;
}

.hero-note {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
}
.hero-note .dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--olive);
  box-shadow: 0 0 0 3px rgba(109, 123, 82, 0.18);
}

/* hero media ------------------------------------------------------------ */

.hero-media { position: relative; }

.hero-frame {
  position: relative;
  border-radius: var(--r-lg);
  overflow: hidden;
  border: 1px solid #d9d1bd;
  background: var(--cream-deep);
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4 / 3.4;
}
.hero-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-frame::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(10, 43, 32, 0) 45%, rgba(10, 43, 32, 0.38));
  pointer-events: none;
}

.hero-frame__label {
  position: absolute;
  left: 18px;
  top: 16px;
  z-index: 2;
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.94);
  background: rgba(10, 43, 32, 0.52);
  border: 1px solid rgba(255, 255, 255, 0.18);
  padding: 4px 10px;
  border-radius: 100px;
  backdrop-filter: blur(4px);
}

.hero-panel {
  position: absolute;
  right: -16px;
  bottom: -30px;
  width: min(302px, 82%);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: 20px 22px;
  box-shadow: var(--shadow-lg);
  z-index: 3;
}
.hero-panel__head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line-soft);
  margin-bottom: 12px;
}
.hero-panel__title {
  font-family: var(--font-display);
  font-size: 16px;
  font-weight: 600;
  letter-spacing: -0.01em;
}
.hero-panel__sub {
  font-family: var(--font-mono);
  font-size: 9.5px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
}
.hero-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 7px 0;
  font-size: 13px;
  border-bottom: 1px dashed var(--line-soft);
}
.hero-row:last-of-type { border-bottom: 0; }
.hero-row span:first-child { color: var(--ink-soft); }
.hero-row strong {
  font-family: var(--font-mono);
  font-size: 12.5px;
  font-weight: 600;
}
.hero-row strong.up { color: var(--olive); }
.hero-row strong.flat { color: var(--forest); }
.hero-panel__foot {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  margin-top: 12px;
  padding-top: 12px;
  border-top: 1px solid var(--line-soft);
  font-size: 11.5px;
  color: var(--muted);
}
.tag-verified {
  font-family: var(--font-mono);
  font-size: 9.5px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--forest);
  background: rgba(15, 61, 46, 0.08);
  border: 1px solid rgba(15, 61, 46, 0.16);
  padding: 2px 8px;
  border-radius: 100px;
}

/* stat strip ------------------------------------------------------------ */

.stat-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.stat {
  padding: 26px 26px 26px 0;
  border-right: 1px solid var(--line);
}
.stat:last-child { border-right: 0; }
.stat b {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 2.6vw, 2.15rem);
  font-weight: 600;
  letter-spacing: -0.02em;
  line-height: 1.1;
}
.stat span {
  display: block;
  margin-top: 4px;
  font-family: var(--font-mono);
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
}

/* ================================ cards ================================ */

.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  padding: 30px 28px;
  display: flex;
  flex-direction: column;
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}
.card:hover {
  transform: translateY(-3px);
  border-color: #cdc4ae;
  box-shadow: var(--shadow-md);
}
.card h3 { font-size: 1.16rem; margin-bottom: 10px; }
.card p { font-size: 0.94rem; color: var(--muted); line-height: 1.62; }

.card__num {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  color: var(--copper);
  margin-bottom: 16px;
}
.card__mark {
  width: 40px;
  height: 40px;
  border-radius: 8px;
  display: grid;
  place-items: center;
  background: rgba(15, 61, 46, 0.07);
  border: 1px solid rgba(15, 61, 46, 0.1);
  color: var(--forest);
  margin-bottom: 18px;
}
.card__mark svg { width: 20px; height: 20px; }

.card--service { gap: 0; }
.card--service .card-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 14px;
  margin-bottom: 12px;
}
.card--service .card__num { margin-bottom: 0; padding-top: 3px; }
.card--service .link-arrow { margin-top: 16px; align-self: flex-start; }

.card--flat {
  background: transparent;
  border: 0;
  border-top: 1px solid var(--line);
  border-radius: 0;
  padding: 26px 0 0;
}
.card--flat:hover { transform: none; box-shadow: none; border-color: var(--forest); }

/* category heading inside services --------------------------- */

.cat {
  padding: 54px 0;
  border-top: 1px solid var(--line);
}
.cat:first-of-type { border-top: 0; padding-top: 0; }
.cat-head {
  display: flex;
  align-items: flex-start;
  gap: 18px;
  margin-bottom: 26px;
  flex-wrap: wrap;
}
.cat-head__mark {
  width: 46px;
  height: 46px;
  border-radius: 10px;
  background: var(--forest);
  color: #f6f3ea;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.cat-head__mark svg { width: 22px; height: 22px; }
.cat-head__text { flex: 1 1 320px; }
.cat-head h2, .cat-head h3 { margin-bottom: 6px; }
.cat-head p {
  color: var(--muted);
  font-size: 0.95rem;
  max-width: 62ch;
  margin: 0;
}
.cat-count {
  font-family: var(--font-mono);
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--copper);
  border: 1px solid rgba(180, 101, 47, 0.3);
  padding: 5px 10px;
  border-radius: 100px;
  white-space: nowrap;
  align-self: center;
}

/* ============================== about split ============================ */

.split {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 64px;
  align-items: start;
}
.split--media { align-items: center; }

.media-plate {
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  overflow: hidden;
  background: var(--cream-deep);
}
.media-plate img { width: 100%; height: 100%; object-fit: cover; }

.note-box {
  border-left: 2px solid var(--copper);
  padding: 4px 0 4px 18px;
  color: var(--ink-soft);
  font-size: 0.95rem;
}

/* pillars / value list -------------------------------------------------- */

.value-list { display: grid; gap: 0; }
.value {
  display: grid;
  grid-template-columns: 46px 1fr;
  gap: 18px;
  padding: 22px 0;
  border-top: 1px solid var(--line);
}
.value:last-child { border-bottom: 1px solid var(--line); }
.value__idx {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  color: var(--copper);
  padding-top: 4px;
}
.value h3 { font-size: 1.06rem; margin-bottom: 4px; }
.value p { font-size: 0.93rem; color: var(--muted); margin: 0; }

/* steps ----------------------------------------------------------------- */

.steps {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 0;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}
.step {
  padding: 28px 26px 28px 0;
  border-right: 1px solid rgba(255, 255, 255, 0.14);
}
.step:last-child { border-right: 0; padding-right: 0; }
.step__idx {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  color: var(--copper-soft);
  display: block;
  margin-bottom: 14px;
}
.step h3 { font-size: 1.1rem; margin-bottom: 8px; }
.step p { font-size: 0.92rem; color: rgba(236, 234, 223, 0.72); margin: 0; }

/* ============================== quote band ============================= */

.quote-band {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 60px;
  align-items: center;
}
.quote-mark {
  font-family: var(--font-display);
  font-size: 70px;
  line-height: 0.7;
  color: var(--copper);
  display: block;
  margin-bottom: 8px;
}
.quote {
  font-family: var(--font-display);
  font-size: clamp(1.3rem, 2.5vw, 1.9rem);
  line-height: 1.34;
  letter-spacing: -0.02em;
  margin: 0 0 22px;
  min-height: 5.4em;
}
.quote-author { display: flex; align-items: center; gap: 14px; }
.quote-author b { font-size: 0.98rem; display: block; }
.quote-author span {
  font-family: var(--font-mono);
  font-size: 10.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
}
.quote-nav { display: flex; gap: 8px; margin-top: 26px; }
.quote-dot {
  width: 34px;
  height: 4px;
  border: 0;
  border-radius: 100px;
  background: #cfc7b3;
  cursor: pointer;
  padding: 0;
  transition: background 0.2s ease, width 0.2s ease;
}
.quote-dot[aria-selected="true"] { background: var(--forest); width: 52px; }

.rating-row {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 18px;
  color: var(--copper);
}
.rating-row svg { width: 15px; height: 15px; }
.rating-row .label {
  font-family: var(--font-mono);
  font-size: 10.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--muted);
  margin-left: 6px;
}

/* ================================= faq ================================= */

.faq { border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-btn {
  width: 100%;
  background: transparent;
  border: 0;
  padding: 24px 44px 24px 0;
  display: flex;
  align-items: center;
  gap: 18px;
  text-align: left;
  cursor: pointer;
  position: relative;
}
.faq-btn h3, .faq-btn span.q {
  font-family: var(--font-display);
  font-size: 1.06rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  margin: 0;
  color: var(--ink);
}
.faq-btn .sign {
  position: absolute;
  right: 6px;
  top: 50%;
  transform: translateY(-50%);
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 1px solid var(--line);
  display: grid;
  place-items: center;
  color: var(--forest);
  font-size: 15px;
  line-height: 1;
  transition: transform 0.25s ease, background 0.2s ease, color 0.2s ease;
}
.faq-btn[aria-expanded="true"] .sign {
  transform: translateY(-50%) rotate(45deg);
  background: var(--forest);
  color: #fff;
  border-color: var(--forest);
}
.faq-panel {
  overflow: hidden;
  max-height: 0;
  transition: max-height 0.34s ease;
}
.faq-panel__inner {
  padding: 0 56px 26px 0;
  color: var(--muted);
  font-size: 0.96rem;
  line-height: 1.68;
}

/* ============================== cta band =============================== */

.cta-band {
  position: relative;
  background: var(--forest-deep);
  color: #efede3;
  border-radius: var(--r-lg);
  padding: 58px clamp(26px, 5vw, 64px);
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.08);
}
.cta-band::before {
  content: "";
  position: absolute;
  right: -120px;
  top: -120px;
  width: 340px;
  height: 340px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(180, 101, 47, 0.34), transparent 68%);
  pointer-events: none;
}
.cta-band__inner {
  position: relative;
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  align-items: center;
  justify-content: space-between;
}
.cta-band h2 { color: #f8f6ef; margin-bottom: 10px; }
.cta-band p { color: rgba(239, 237, 227, 0.74); max-width: 54ch; }
.cta-band .btn-primary {
  background: var(--copper);
  border-color: var(--copper);
  color: #fff;
}
.cta-band .btn-primary:hover { background: #9d5626; border-color: #9d5626; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }
.cta-band .btn-outline { color: #f1efe4; border-color: rgba(255, 255, 255, 0.32); }
.cta-band .btn-outline:hover { background: rgba(255, 255, 255, 0.08); border-color: rgba(255, 255, 255, 0.6); }

/* ============================== page hero ============================== */

.page-hero {
  padding: 66px 0 58px;
  border-bottom: 1px solid var(--line);
}
.page-hero__grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 56px;
  align-items: end;
}
.page-hero h1 { font-size: clamp(2.3rem, 5vw, 3.7rem); margin-bottom: 18px; }
.page-hero .lede { max-width: 56ch; }

.breadcrumb {
  font-family: var(--font-mono);
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 26px;
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}
.breadcrumb a:hover { color: var(--forest); }
.breadcrumb span { color: #b3ab97; }

.page-hero__aside {
  border-left: 1px solid var(--line);
  padding-left: 30px;
}
.page-hero__aside dl { margin: 0; }
.page-hero__aside dt {
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  margin-top: 16px;
}
.page-hero__aside dt:first-child { margin-top: 0; }
.page-hero__aside dd {
  margin: 4px 0 0;
  font-size: 0.97rem;
  font-weight: 600;
  color: var(--ink);
}
.page-hero__aside dd a { border-bottom: 1px solid rgba(15, 61, 46, 0.3); }

/* ================================ forms =============================== */

.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 60px;
  align-items: start;
}

.info-list { display: grid; gap: 0; margin: 30px 0 0; }
.info-item {
  display: flex;
  gap: 16px;
  padding: 20px 0;
  border-top: 1px solid var(--line);
  align-items: flex-start;
}
.info-item:last-child { border-bottom: 1px solid var(--line); }
.info-item__mark {
  width: 38px; height: 38px;
  border-radius: 8px;
  background: rgba(15, 61, 46, 0.07);
  border: 1px solid rgba(15, 61, 46, 0.12);
  display: grid; place-items: center;
  color: var(--forest);
  flex-shrink: 0;
}
.info-item__mark svg { width: 18px; height: 18px; }
.info-item span.k {
  display: block;
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 2px;
}
.info-item b { font-size: 0.98rem; font-weight: 600; }
.info-item a b { border-bottom: 1px solid rgba(15, 61, 46, 0.25); }

.form-shell {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: clamp(24px, 3.4vw, 40px);
  box-shadow: var(--shadow-md);
}
.form-shell h2 { font-size: 1.5rem; margin-bottom: 6px; }
.form-shell .form-intro { color: var(--muted); font-size: 0.94rem; margin-bottom: 24px; }

.field { margin-bottom: 18px; }
.field label {
  display: block;
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 7px;
}
.field label .req { color: var(--copper); }
.field input,
.field textarea,
.field select {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid #d8d0bd;
  border-radius: var(--r-sm);
  background: #fdfcf8;
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--ink);
  transition: border-color 0.18s ease, box-shadow 0.18s ease, background 0.18s ease;
}
.field textarea { min-height: 128px; resize: vertical; }
.field input::placeholder,
.field textarea::placeholder { color: #a9a291; }
.field input:hover,
.field textarea:hover { border-color: #c6bda6; }
.field input:focus,
.field textarea:focus,
.field select:focus {
  outline: none;
  border-color: var(--forest);
  box-shadow: 0 0 0 3px rgba(15, 61, 46, 0.1);
  background: #fff;
}
.field input[aria-invalid="true"],
.field textarea[aria-invalid="true"] { border-color: var(--warn); }
.field .err {
  display: none;
  margin-top: 6px;
  font-size: 12.5px;
  color: var(--warn);
}
.field .err.show { display: block; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.check {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 14px 16px;
  border: 1px solid var(--line);
  border-radius: var(--r-sm);
  background: #fbf9f3;
  font-size: 0.88rem;
  color: var(--ink-soft);
  line-height: 1.5;
  margin-bottom: 18px;
}
.check input {
  width: 17px;
  height: 17px;
  margin: 1px 0 0;
  accent-color: var(--forest);
  flex-shrink: 0;
}
.check .err { display: none; color: var(--warn); font-size: 12.5px; }
.check .err.show { display: block; }

.form-foot {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
  justify-content: space-between;
  margin-top: 6px;
}
.form-fine {
  font-size: 0.8rem;
  color: var(--muted);
  line-height: 1.5;
  margin-top: 16px;
}
.form-fine a { border-bottom: 1px solid rgba(15, 61, 46, 0.3); }

/* =============================== toasts =============================== */

.toast-stack {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 200;
  display: flex;
  flex-direction: column;
  gap: 10px;
  width: min(360px, calc(100vw - 36px));
  pointer-events: none;
}

.toast {
  pointer-events: auto;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 16px;
  border-radius: var(--r-md);
  background: var(--paper);
  border: 1px solid var(--line);
  border-left: 3px solid var(--forest);
  box-shadow: 0 18px 40px -20px rgba(19, 33, 27, 0.5);
  transform: translateY(14px);
  opacity: 0;
  transition: transform 0.28s cubic-bezier(0.22, 1, 0.36, 1), opacity 0.28s ease;
}
.toast.in { transform: translateY(0); opacity: 1; }
.toast.out { transform: translateY(10px); opacity: 0; }
.toast__icon {
  width: 24px; height: 24px;
  border-radius: 50%;
  display: grid; place-items: center;
  flex-shrink: 0;
  margin-top: 1px;
  color: #fff;
  background: var(--forest);
}
.toast__icon svg { width: 13px; height: 13px; }
.toast__body { flex: 1; min-width: 0; }
.toast__title {
  display: block;
  font-size: 14px;
  font-weight: 700;
  margin-bottom: 2px;
  color: var(--ink);
}
.toast__msg { font-size: 13px; color: var(--muted); line-height: 1.5; margin: 0; }
.toast__close {
  border: 0; background: transparent; cursor: pointer;
  color: #a9a291; font-size: 16px; line-height: 1;
  padding: 2px 0 0 6px;
}
.toast__close:hover { color: var(--ink); }
.toast--success { border-left-color: var(--forest); }
.toast--error { border-left-color: var(--warn); }
.toast--error .toast__icon { background: var(--warn); }
.toast--info { border-left-color: var(--copper); }
.toast--info .toast__icon { background: var(--copper); }

/* =============================== footer =============================== */

.site-footer {
  background: var(--forest-deep);
  color: rgba(239, 237, 227, 0.72);
  padding: 68px 0 0;
  margin-top: 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 44px;
  padding-bottom: 52px;
}
.site-footer .brand-mark { background: var(--cream); color: var(--forest-deep); }
.site-footer .brand-name { color: #f7f4ec; }
.site-footer .brand-tag { color: rgba(239, 237, 227, 0.5); }
.footer-about {
  margin-top: 20px;
  font-size: 0.9rem;
  line-height: 1.66;
  max-width: 34ch;
  color: rgba(239, 237, 227, 0.6);
}
.footer-contact {
  margin-top: 22px;
  display: grid;
  gap: 8px;
  font-size: 0.9rem;
}
.footer-contact a { color: rgba(239, 237, 227, 0.82); border-bottom: 1px solid rgba(239, 237, 227, 0.2); }
.footer-contact a:hover { color: #fff; border-color: rgba(239, 237, 227, 0.6); }

.footer-col h4 {
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(239, 237, 227, 0.44);
  margin-bottom: 16px;
  font-weight: 500;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 9px; }
.footer-col a {
  font-size: 0.92rem;
  color: rgba(239, 237, 227, 0.78);
  transition: color 0.16s ease, padding-left 0.16s ease;
}
.footer-col a:hover { color: #fff; padding-left: 3px; }

.footer-bottom {
  border-top: 1px solid rgba(239, 237, 227, 0.13);
  padding: 22px 0 26px;
  display: flex;
  flex-wrap: wrap;
  gap: 14px 28px;
  align-items: center;
  justify-content: space-between;
  font-size: 0.82rem;
  color: rgba(239, 237, 227, 0.46);
}
.footer-legal { display: flex; flex-wrap: wrap; gap: 20px; }
.footer-legal a:hover { color: #fff; }

/* ============================== prose pages =========================== */

.prose-shell {
  display: grid;
  grid-template-columns: 260px 1fr;
  gap: 64px;
  align-items: start;
}
.toc {
  position: sticky;
  top: 100px;
  border-left: 1px solid var(--line);
  padding-left: 20px;
}
.toc h2 {
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 500;
  margin-bottom: 14px;
}
.toc ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 9px; }
.toc a {
  font-size: 0.86rem;
  color: var(--ink-soft);
  line-height: 1.4;
  display: block;
  border-left: 2px solid transparent;
  margin-left: -22px;
  padding-left: 20px;
  transition: color 0.16s ease, border-color 0.16s ease;
}
.toc a:hover { color: var(--forest); border-color: var(--copper); }

.prose { max-width: 74ch; }
.prose > p:first-of-type {
  font-size: 1.06rem;
  color: var(--ink-soft);
  border-left: 2px solid var(--copper);
  padding-left: 18px;
  margin-bottom: 40px;
}
.legal-block {
  padding: 26px 0;
  border-top: 1px solid var(--line);
  scroll-margin-top: 100px;
}
.legal-block:last-child { border-bottom: 1px solid var(--line); }
.legal-block h2 {
  font-size: 1.14rem;
  margin-bottom: 10px;
  letter-spacing: -0.01em;
}
.legal-block p {
  color: var(--muted);
  font-size: 0.96rem;
  line-height: 1.72;
  margin: 0;
}
.legal-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 26px;
  font-family: var(--font-mono);
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 30px;
  padding-bottom: 22px;
  border-bottom: 1px solid var(--line);
}
.legal-meta b { color: var(--forest); font-weight: 600; }

/* ============================ reveal on scroll ======================== */

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.6s ease, transform 0.6s cubic-bezier(0.22, 1, 0.36, 1);
}
.reveal.is-visible { opacity: 1; transform: none; }
.no-js .reveal { opacity: 1; transform: none; }

/* ============================== responsive ============================ */

@media (max-width: 1080px) {
  .hero-grid { grid-template-columns: 1fr; gap: 52px; }
  .hero-media { max-width: 620px; }
  .hero-panel { position: relative; right: auto; bottom: auto; width: 100%; margin-top: 18px; }
  .hero { padding-bottom: 0; }
  .stat-strip { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2) { border-right: 0; }
  .stat:nth-child(-n + 2) { border-bottom: 1px solid var(--line); }
  .split, .split--media, .contact-grid, .quote-band, .page-hero__grid { grid-template-columns: 1fr; gap: 40px; }
  .page-hero__aside { border-left: 0; padding-left: 0; border-top: 1px solid var(--line); padding-top: 24px; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .step:nth-child(2) { border-right: 0; }
  .step:nth-child(-n + 2) { border-bottom: 1px solid rgba(255, 255, 255, 0.14); }
  .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .prose-shell { grid-template-columns: 1fr; gap: 34px; }
  .toc { position: static; border-left: 0; padding-left: 0; border-top: 1px solid var(--line); padding-top: 20px; }
  .toc a { margin-left: 0; padding-left: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
}

@media (max-width: 900px) {
  .nav { display: none; }
  .header-cta .btn { display: none; }
  .menu-btn { display: grid; margin-left: auto; }
  .mobile-nav.open { display: block; }
}

@media (max-width: 720px) {
  body { font-size: 16px; }
  .section { padding: 68px 0; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero h1 { font-size: clamp(2.45rem, 9.4vw, 3.4rem); }
  .quote { min-height: 0; }
  .cta-band { padding: 40px 24px; }
  .cta-band__inner { gap: 24px; }
  .footer-bottom { justify-content: flex-start; }
  .section-head { margin-bottom: 36px; }
  .card { padding: 24px 22px; }
  .cat { padding: 42px 0; }
  .faq-panel__inner { padding-right: 0; }
}

@media (max-width: 520px) {
  .wrap { padding: 0 20px; }
  .header-inner { height: 68px; gap: 14px; }
  .brand-tag { display: none; }
  .stat { padding: 20px 16px 20px 0; }
  .stat-strip { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr; }
  .step { border-right: 0; border-bottom: 1px solid rgba(255, 255, 255, 0.14); padding-right: 0; }
  .step:last-child { border-bottom: 0; }
  .footer-grid { grid-template-columns: 1fr; }
  .toast-stack { right: 12px; left: 12px; bottom: 12px; width: auto; }
}

/* print */
@media print {
  .site-header, .site-footer, .toast-stack, .cta-band, .hero-media { display: none !important; }
  body { background: #fff; color: #000; }
}

/* ============================ carousel slides ========================= */

.quote-track > .slide {
  flex: 0 0 100%;
  min-width: 100%;
  margin: 0;
  padding-right: 4px;
}
.slide .quote { margin-bottom: 20px; }

/* ============================== dark grid ============================= */

.grid--dark {
  gap: 0;
  border-top: 1px solid rgba(255, 255, 255, 0.16);
}
.grid--dark > .card--flat {
  border-top: 0;
  border-right: 1px solid rgba(255, 255, 255, 0.16);
  padding: 30px 30px 8px 0;
  color: #eceadf;
}
.grid--dark > .card--flat:last-child { border-right: 0; }
.grid--dark > .card--flat h3 { color: #f8f6ef; font-size: 1.18rem; margin-bottom: 10px; }
.grid--dark > .card--flat p { color: rgba(236, 234, 223, 0.74); font-size: 0.94rem; }
.grid--dark > .card--flat .card__num { color: var(--copper-soft); }
.grid--dark > .card--flat:hover { transform: none; border-color: rgba(255, 255, 255, 0.16); }

/* ============================= form success =========================== */

.form-success {
  text-align: left;
  padding: 8px 0 4px;
}
.form-success:focus { outline: none; }
.form-success__mark {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: rgba(15, 61, 46, 0.08);
  border: 1px solid rgba(15, 61, 46, 0.18);
  color: var(--forest);
  display: grid;
  place-items: center;
  margin-bottom: 20px;
}
.form-success__mark svg { width: 24px; height: 24px; }
.form-success h2 { font-size: 1.55rem; margin-bottom: 10px; }
.form-success p { font-size: 0.96rem; }

[hidden] { display: none !important; }

/* ============================ small screens ========================== */

@media (max-width: 720px) {
  .grid--dark > .card--flat {
    border-right: 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.16);
    padding: 26px 0;
  }
  .grid--dark > .card--flat:last-child { border-bottom: 0; }
}

/* ---------------------------- refinements ----------------------------- */

.cat-label {
  display: block;
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--copper);
  margin-bottom: 10px;
}

.grid--dark > .card--flat {
  display: block;
  background: transparent;
  border: 0;
  border-right: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 0;
  padding: 30px 34px 10px 0;
  box-shadow: none;
}

.stat-strip--half { grid-template-columns: repeat(2, 1fr); }
.stat-strip--half .stat { border-bottom: 1px solid var(--line); }
.stat-strip--half .stat:nth-child(2n) { border-right: 0; }
.stat-strip--half .stat:nth-last-child(-n + 2) { border-bottom: 0; }

.cat { scroll-margin-top: 96px; }
.section, .legal-block { scroll-margin-top: 96px; }