:root {
    --paper: #f3ede1;
    --paper-2: #e8dfcc;
    --cream: #fbf6ec;
    --ink: #1c1208;
    --ink-2: #5b4a36;
    --sienna: #b81f94;
    --terra: #d42ab2;
    --gold: #c8941e;
    --sage: #4a6b3a;
    --moss: #2f4a26;
    --clay: #7a2418;
    --sky: #2c5f7c;
    --line: rgba(28, 18, 8, .14);
    --line-2: rgba(28, 18, 8, .08);
    --shadow: 0 30px 60px -32px rgba(28, 18, 8, .35);
    --shadow-2: 0 12px 28px -16px rgba(28, 18, 8, .22);
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    background: var(--paper);
    color: var(--ink);
    font-family: 'Inter', system-ui, sans-serif;
    font-size: 1.02rem;
    line-height: 1.7;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

h1,
h2,
h3,
h4,
h5 {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    letter-spacing: -.02em;
    line-height: 1.05;
    margin: 0;
}

p {
    margin: 0 0 1rem;
}

a {
    text-decoration: none;
    color: inherit;
}

.wrap {
    max-width: 1280px;
    margin: 0 auto;
    padding-inline: 28px;
}

/* Buttons */
.btn-pri {
    display: inline-flex;
    align-items: center;
    gap: .65rem;
    border: none;
    cursor: pointer;
    background: var(--ink);
    color: var(--cream);
    font-family: 'Inter', sans-serif;
    font-weight: 600;
    font-size: .96rem;
    padding: 1rem 1.8rem;
    border-radius: 6px;
    transition: .3s;
    position: relative;
    overflow: hidden;
}

.btn-pri::after {
    content: "";
    position: absolute;
    inset: 0;
    background: var(--sienna);
    transform: translateY(100%);
    transition: .35s;
    z-index: 0;
}

.btn-pri:hover::after {
    transform: translateY(0);
}

.btn-pri span,
.btn-pri i {
    position: relative;
    z-index: 1;
}

.btn-pri:hover {
    color: #fff;
}

.btn-sec {
    display: inline-flex;
    align-items: center;
    gap: .6rem;
    border: 1.5px solid var(--ink);
    padding: .95rem 1.6rem;
    border-radius: 6px;
    font-weight: 600;
    transition: .3s;
    background: transparent;
    color: var(--ink);
}

.btn-sec:hover {
    background: var(--ink);
    color: var(--cream);
}

/* Section heading */
.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: .6rem;
    font-family: 'JetBrains Mono', monospace;
    font-size: .72rem;
    letter-spacing: .24em;
    text-transform: uppercase;
    color: var(--sienna);
    margin-bottom: 1.3rem;
}

.eyebrow i {
    width: 24px;
    height: 2px;
    background: var(--sienna);
    display: inline-block;
}

.eyebrow.light {
    color: var(--gold);
}

.eyebrow.light i {
    background: var(--gold);
}

.sec-title {
    font-size: clamp(2.1rem, 4.4vw, 3.5rem);
}

.sec-sub {
    color: var(--ink-2);
    margin-top: 1rem;
    max-width: 620px;
}

.sec-head {
    margin-bottom: 64px;
}

.sec-head.center {
    text-align: center;
    margin-inline: auto;
}

.sec-head.center .sec-sub {
    margin-inline: auto;
}

.sec-head.light h2,
.sec-head.light .sec-sub {
    color: var(--cream);
}

.sec-head.light .sec-sub {
    color: rgba(251, 246, 236, .7);
}

/* ============ NAV ============ */
.nav {
    position: fixed;
    inset: 0 0 auto;
    z-index: 900;
    padding: 18px 0;
    transition: .3s;
}

.nav.scrolled {
    background: rgba(243, 237, 225, .92);
    backdrop-filter: blur(14px);
    box-shadow: 0 12px 30px -20px rgba(28, 18, 8, .4);
    padding: 10px 0;
}

.nav-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
}

.brand {
    display: flex;
    align-items: center;
    gap: .7rem;
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 1.18rem;
}

.brand .mk {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: var(--ink);
    color: var(--gold);
    display: grid;
    place-items: center;
    font-size: .95rem;
    position: relative;
}

.brand .mk::after {
    content: "";
    position: absolute;
    bottom: -3px;
    right: -3px;
    width: 12px;
    height: 12px;
    background: var(--terra);
    border-radius: 3px;
    border: 2px solid var(--paper);
}

.brand.light {
    color: var(--cream);
}

.brand.light .mk {
    background: var(--cream);
    color: var(--ink);
}

.nav-toggle {
    background: none;
    border: none;
    font-size: 1.4rem;
    color: var(--ink);
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 2rem;
    list-style: none;
    margin: 0;
    padding: 14px 0 0;
    flex-wrap: wrap;
}

@media(min-width:992px) {
    .nav-links {
        padding: 0;
    }
}

.nav-links a {
    font-size: .92rem;
    font-weight: 500;
    color: var(--ink-2);
    transition: .2s;
    position: relative;
}

.nav-links a:not(.nav-cta)::after {
    content: "";
    position: absolute;
    bottom: -6px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--sienna);
    transition: .3s;
}

.nav-links a:not(.nav-cta):hover {
    color: var(--sienna);
}

.nav-links a:not(.nav-cta):hover::after {
    width: 100%;
}

.nav-cta {
    background: var(--ink);
    color: var(--cream) !important;
    padding: .65rem 1.2rem;
    border-radius: 999px;
    font-weight: 600;
}

.nav-cta:hover {
    background: var(--sienna);
    color: #fff !important;
}

/* ============ HERO ============ */
.hero {
    position: relative;
    padding: 130px 0 0;
    background: var(--paper);
    overflow: hidden;
}

.hero::before {
    content: "";
    position: absolute;
    top: 0;
    right: 0;
    width: 45%;
    height: 100%;
    background:
        radial-gradient(circle at 70% 30%, rgba(212, 99, 42, .35), transparent 50%),
        radial-gradient(circle at 30% 80%, rgba(200, 148, 30, .25), transparent 55%);
    pointer-events: none;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.4fr .6fr;
    gap: 50px;
    align-items: end;
    position: relative;
    padding-bottom: 70px;
}

@media(max-width:991px) {
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: .55rem;
    font-family: 'JetBrains Mono', monospace;
    font-size: .68rem;
    letter-spacing: .22em;
    text-transform: uppercase;
    color: var(--ink);
    border: 1px solid var(--ink);
    padding: .5rem 1rem;
    border-radius: 4px;
    margin-bottom: 1.7rem;
    background: rgba(251, 246, 236, .6);
}

.hero-badge i {
    color: var(--sienna);
}

.hero h1 {
    font-size: clamp(2.9rem, 7vw, 5.6rem);
    letter-spacing: -.04em;
    line-height: .96;
}

.hero h1 .accent {
    font-style: italic;
    color: var(--sienna);
    position: relative;
    display: inline-block;
}

.hero h1 .accent::after {
    content: "";
    position: absolute;
    bottom: 4px;
    left: 0;
    right: 0;
    height: 10px;
    background: var(--gold);
    opacity: .35;
    z-index: -1;
    border-radius: 4px;
}

.hero-lede {
    font-size: 1.1rem;
    color: var(--ink-2);
    max-width: 540px;
    margin-top: 1.6rem;
}

.hero-cta {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    margin: 2rem 0 2.6rem;
}

.hero-tags {
    display: flex;
    gap: 22px;
    flex-wrap: wrap;
    padding-top: 1.4rem;
    border-top: 1px solid var(--line);
}

.hero-tags .t b {
    display: block;
    font-family: 'Fraunces', serif;
    font-size: 1.8rem;
    font-weight: 900;
}

.hero-tags .t span {
    font-family: 'JetBrains Mono', monospace;
    font-size: .68rem;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--ink-2);
}

.hero-side {
    background: var(--ink);
    color: var(--cream);
    border-radius: 22px;
    padding: 2rem;
    position: relative;
    overflow: hidden;
}

.hero-side::after {
    content: "";
    position: absolute;
    top: -60px;
    right: -60px;
    width: 180px;
    height: 180px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(200, 148, 30, .35), transparent 70%);
}

.hero-side h4 {
    color: var(--gold);
    font-size: .82rem;
    font-family: 'JetBrains Mono', monospace;
    letter-spacing: .2em;
    text-transform: uppercase;
    font-weight: 500;
    margin-bottom: 1.4rem;
    position: relative;
}

.hero-side-list {
    display: grid;
    gap: 1.1rem;
    position: relative;
}

.hero-side-item {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding-bottom: 1rem;
    border-bottom: 1px dashed rgba(251, 246, 236, .15);
}

.hero-side-item:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.hero-side-item .ic {
    width: 38px;
    height: 38px;
    border-radius: 8px;
    background: rgba(200, 148, 30, .15);
    color: var(--gold);
    display: grid;
    place-items: center;
    flex: none;
}

.hero-side-item b {
    font-family: 'Fraunces', serif;
    font-weight: 700;
    font-size: 1.05rem;
    display: block;
}

.hero-side-item small {
    color: rgba(251, 246, 236, .6);
    font-size: .82rem;
}

/* Ticker */
.ticker {
    background: var(--ink);
    color: var(--cream);
    border-top: 1px solid rgba(251, 246, 236, .1);
    border-bottom: 1px solid rgba(251, 246, 236, .1);
    overflow: hidden;
    padding: .8rem 0;
}

.ticker-track {
    display: flex;
    gap: 2.2rem;
    white-space: nowrap;
    animation: slide 36s linear infinite;
    font-family: 'JetBrains Mono', monospace;
    font-size: .8rem;
    letter-spacing: .18em;
    text-transform: uppercase;
}

.ticker-track span:nth-child(even) {
    color: var(--gold);
}

@keyframes slide {
    to {
        transform: translateX(-50%);
    }
}

/* ============ ABOUT ============ */
.about {
    padding: 120px 0;
}

.about-grid {
    display: grid;
    grid-template-columns: .9fr 1.1fr;
    gap: 70px;
    align-items: start;
}

@media(max-width:991px) {
    .about-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }
}

.about-left {
    position: sticky;
    top: 100px;
}

@media(max-width:991px) {
    .about-left {
        position: static;
    }
}

.about-left h2 {
    font-size: clamp(1.9rem, 3.6vw, 2.9rem);
    margin-bottom: 1.4rem;
}

.about-left p {
    color: var(--ink-2);
}

.about-sign {
    margin-top: 2rem;
    padding: 1.2rem 1.4rem;
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 14px;
    border-left: 4px solid var(--sienna);
}

.about-sign b {
    font-family: 'Fraunces', serif;
    font-weight: 700;
    display: block;
}

.about-sign small {
    font-family: 'JetBrains Mono', monospace;
    font-size: .72rem;
    color: var(--ink-2);
    letter-spacing: .14em;
    text-transform: uppercase;
}

.about-cards {
    display: grid;
    gap: 18px;
}

.ab-card {
    display: grid;
    grid-template-columns: 60px 1fr;
    gap: 22px;
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 1.6rem 1.7rem;
    transition: .3s;
}

.ab-card:hover {
    transform: translateX(6px);
    box-shadow: var(--shadow-2);
    border-color: var(--sienna);
}

.ab-num {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 2.2rem;
    color: transparent;
    -webkit-text-stroke: 1.5px var(--sienna);
    line-height: 1;
}

.ab-card h4 {
    font-size: 1.2rem;
    margin-bottom: .4rem;
}

.ab-card p {
    font-size: .92rem;
    color: var(--ink-2);
    margin: 0;
}

.ab-card .ab-tag {
    display: inline-block;
    font-family: 'JetBrains Mono', monospace;
    font-size: .66rem;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--sage);
    margin-top: .55rem;
}

/* ============ PILLARS ============ */
.pillars {
    background: var(--moss);
    color: var(--cream);
    padding: 120px 0;
    border-radius: 40px 40px 0 0;
    position: relative;
    overflow: hidden;
}

.pillars::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 200px;
    background: radial-gradient(ellipse at 50% 0%, rgba(200, 148, 30, .25), transparent 70%);
}

.bento {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    grid-auto-rows: 200px;
    gap: 18px;
}

@media(max-width:991px) {
    .bento {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media(max-width:575px) {
    .bento {
        grid-template-columns: 1fr;
        grid-auto-rows: auto;
    }
}

.bento-card {
    background: rgba(251, 246, 236, .05);
    border: 1px solid rgba(251, 246, 236, .12);
    border-radius: 18px;
    padding: 1.6rem;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    transition: .35s;
    position: relative;
    overflow: hidden;
}

.bento-card:hover {
    background: rgba(251, 246, 236, .1);
    transform: translateY(-5px);
}

.bento-card.lg {
    grid-column: span 2;
    grid-row: span 2;
    background: linear-gradient(140deg, var(--sienna), var(--clay));
    border-color: transparent;
}

.bento-card.wide {
    grid-column: span 2;
}

@media(max-width:991px) {

    .bento-card.lg,
    .bento-card.wide {
        grid-column: span 2;
        grid-row: auto;
    }
}

@media(max-width:575px) {

    .bento-card.lg,
    .bento-card.wide {
        grid-column: span 1;
    }
}

.bento-num {
    font-family: 'JetBrains Mono', monospace;
    font-size: .7rem;
    letter-spacing: .2em;
    color: var(--gold);
}

.bento-card.lg .bento-num {
    color: rgba(255, 255, 255, .7);
}

.bento-ic {
    width: 44px;
    height: 44px;
    border-radius: 12px;
    background: rgba(200, 148, 30, .14);
    color: var(--gold);
    display: grid;
    place-items: center;
    font-size: 1.15rem;
    margin-bottom: 1rem;
}

.bento-card.lg .bento-ic {
    background: rgba(255, 255, 255, .18);
    color: #fff;
}

.bento-card h4 {
    font-size: 1.15rem;
    margin-bottom: .4rem;
}

.bento-card.lg h4 {
    font-size: 1.7rem;
}

.bento-card p {
    font-size: .9rem;
    opacity: .85;
    margin: 0;
}

.bento-card.lg p {
    font-size: 1rem;
}

/* ============ SERVICES ============ */
.services {
    padding: 130px 0;
}

.cat-block {
    margin-bottom: 120px;
}

.cat-block:last-child {
    margin-bottom: 0;
}

.cat-header {
    display: grid;
    grid-template-columns: auto 1fr auto;
    gap: 30px;
    align-items: center;
    margin-bottom: 48px;
    padding-bottom: 24px;
    border-bottom: 2px solid var(--ink);
}

@media(max-width:767px) {
    .cat-header {
        grid-template-columns: auto 1fr;
    }

    .cat-header .cat-pill {
        grid-column: 1 / -1;
        justify-self: start;
    }
}

.cat-no {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 3.4rem;
    color: var(--sienna);
    line-height: .8;
    font-style: italic;
}

.cat-info h3 {
    font-size: clamp(1.7rem, 3vw, 2.3rem);
    margin-bottom: .25rem;
}

.cat-info .cat-tag {
    font-family: 'JetBrains Mono', monospace;
    font-size: .72rem;
    letter-spacing: .2em;
    text-transform: uppercase;
    color: var(--ink-2);
}

.cat-pill {
    background: var(--ink);
    color: var(--cream);
    padding: .55rem 1.1rem;
    border-radius: 4px;
    font-family: 'JetBrains Mono', monospace;
    font-size: .72rem;
    letter-spacing: .14em;
    text-transform: uppercase;
}

/* === 01 LOANS === */
.loan-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr;
    gap: 18px;
}

@media(max-width:991px) {
    .loan-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media(max-width:575px) {
    .loan-grid {
        grid-template-columns: 1fr;
    }
}

.loan-card {
    position: relative;
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 1.7rem 1.6rem;
    transition: .3s;
    overflow: hidden;
}

.loan-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow);
    border-color: var(--sienna);
}

.loan-card.lead {
    grid-row: span 2;
    background: linear-gradient(160deg, var(--ink), #2d1f10);
    color: var(--cream);
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    border: none;
}

@media(max-width:991px) {
    .loan-card.lead {
        grid-row: span 2;
    }
}

@media(max-width:575px) {
    .loan-card.lead {
        grid-row: auto;
    }
}

.loan-card .loan-no {
    font-family: 'JetBrains Mono', monospace;
    font-size: .7rem;
    color: var(--sienna);
    letter-spacing: .14em;
}

.loan-card.lead .loan-no {
    color: var(--gold);
}

.loan-ic {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: var(--paper-2);
    color: var(--sienna);
    display: grid;
    place-items: center;
    font-size: 1.2rem;
    margin: .9rem 0 1.1rem;
}

.loan-card.lead .loan-ic {
    background: rgba(200, 148, 30, .18);
    color: var(--gold);
}

.loan-card h4 {
    font-size: 1.15rem;
    margin-bottom: .5rem;
}

.loan-card.lead h4 {
    font-size: 1.7rem;
}

.loan-card p {
    font-size: .9rem;
    color: var(--ink-2);
    margin: 0;
}

.loan-card.lead p {
    color: rgba(251, 246, 236, .8);
    font-size: 1rem;
}

.loan-foot {
    display: flex;
    align-items: center;
    gap: .55rem;
    margin-top: 1.2rem;
    padding-top: 1rem;
    border-top: 1px dashed var(--line);
    font-family: 'JetBrains Mono', monospace;
    font-size: .68rem;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--ink-2);
}

.loan-card.lead .loan-foot {
    border-top-color: rgba(251, 246, 236, .15);
    color: rgba(251, 246, 236, .6);
}

.loan-foot i {
    color: var(--sienna);
}

.loan-card.lead .loan-foot i {
    color: var(--gold);
}

/* === 02 INSURANCE === */
.ins-list {
    display: grid;
    gap: 0;
    border: 1px solid var(--line);
    border-radius: 18px;
    overflow: hidden;
    background: var(--cream);
}

.ins-row {
    display: grid;
    grid-template-columns: 70px 1fr 180px 100px;
    gap: 24px;
    align-items: center;
    padding: 1.4rem 1.7rem;
    border-bottom: 1px solid var(--line);
    transition: .3s;
    cursor: pointer;
}

.ins-row:last-child {
    border-bottom: none;
}

.ins-row:hover {
    background: var(--paper);
    padding-left: 2.2rem;
}

@media(max-width:767px) {
    .ins-row {
        grid-template-columns: 50px 1fr;
        gap: 16px;
        padding: 1.2rem;
    }

    .ins-row .ins-cov,
    .ins-row .ins-tag {
        display: none;
    }
}

.ins-mark {
    width: 50px;
    height: 50px;
    border-radius: 10px;
    background: var(--paper-2);
    color: var(--sienna);
    display: grid;
    place-items: center;
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 1.05rem;
    font-style: italic;
}

.ins-row:hover .ins-mark {
    background: var(--sienna);
    color: #fff;
}

.ins-text h4 {
    font-size: 1.1rem;
    margin-bottom: .3rem;
}

.ins-text p {
    font-size: .88rem;
    color: var(--ink-2);
    margin: 0;
}

.ins-cov {
    display: flex;
    flex-direction: column;
    gap: 6px;
}

.ins-cov .ins-bar {
    height: 6px;
    background: var(--paper-2);
    border-radius: 999px;
    overflow: hidden;
}

.ins-cov .ins-bar i {
    display: block;
    height: 100%;
    background: linear-gradient(90deg, var(--sage), var(--gold));
}

.ins-cov small {
    font-family: 'JetBrains Mono', monospace;
    font-size: .68rem;
    color: var(--ink-2);
    letter-spacing: .12em;
}

.ins-tag {
    font-family: 'JetBrains Mono', monospace;
    font-size: .68rem;
    color: var(--sage);
    letter-spacing: .14em;
    text-transform: uppercase;
    text-align: right;
}

/* === 03 INVESTMENTS === */
.inv-grid {
    display: grid;
    grid-template-columns: 1.2fr .9fr .9fr;
    gap: 20px;
}

@media(max-width:991px) {
    .inv-grid {
        grid-template-columns: 1fr;
    }
}

.inv-card {
    position: relative;
    border-radius: 22px;
    overflow: hidden;
    min-height: 460px;
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    padding: 2.2rem;
    color: var(--cream);
    isolation: isolate;
}

.inv-card::before {
    content: "";
    position: absolute;
    inset: 0;
    z-index: -2;
}

.inv-card.feat::before {
    background: linear-gradient(180deg, #2a1a0e, #0d0805);
}

.inv-card.t1::before {
    background: linear-gradient(180deg, #4a2a18, #1c1208);
}

.inv-card.t2::before {
    background: linear-gradient(180deg, #2d3a1f, #14190d);
}

.inv-card::after {
    content: "";
    position: absolute;
    top: -80px;
    left: 50%;
    transform: translateX(-50%);
    width: 280px;
    height: 280px;
    border-radius: 50%;
    background: radial-gradient(circle at 40% 50%, var(--gold), var(--terra) 50%, transparent 72%);
    opacity: .85;
    transition: .5s;
    z-index: -1;
}

.inv-card:hover::after {
    transform: translateX(-50%) translateY(20px) scale(1.08);
}

.inv-card.feat::after {
    width: 340px;
    height: 340px;
}

.inv-tag {
    font-family: 'JetBrains Mono', monospace;
    font-size: .7rem;
    letter-spacing: .24em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: .7rem;
}

.inv-card h4 {
    font-size: 1.5rem;
    margin-bottom: .8rem;
}

.inv-card.feat h4 {
    font-size: 2rem;
}

.inv-card p {
    font-size: .92rem;
    color: rgba(251, 246, 236, .78);
    margin: 0 0 1.2rem;
}

.inv-card.feat p {
    font-size: 1rem;
}

.inv-meta {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
}

.inv-meta span {
    font-family: 'JetBrains Mono', monospace;
    font-size: .68rem;
    letter-spacing: .14em;
    text-transform: uppercase;
    background: rgba(251, 246, 236, .1);
    border: 1px solid rgba(251, 246, 236, .15);
    padding: .35rem .7rem;
    border-radius: 4px;
    color: var(--gold);
}

/* === 04 WEALTH === */
.wealth-flow {
    display: grid;
    gap: 0;
    counter-reset: step;
}

.wealth-step {
    display: grid;
    grid-template-columns: 80px 1fr;
    gap: 30px;
    padding: 1.6rem 0;
    border-top: 1px solid var(--line);
    transition: .3s;
}

.wealth-step:last-child {
    border-bottom: 1px solid var(--line);
}

.wealth-step:hover {
    background: var(--cream);
    padding-left: 1rem;
    padding-right: 1rem;
    border-radius: 10px;
}

@media(max-width:575px) {
    .wealth-step {
        grid-template-columns: 60px 1fr;
        gap: 18px;
    }
}

.wealth-no {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 3rem;
    color: var(--paper-2);
    -webkit-text-stroke: 1.5px var(--sienna);
    line-height: 1;
    font-style: italic;
}

.wealth-step:hover .wealth-no {
    color: var(--sienna);
}

.wealth-body {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 24px;
    align-items: center;
}

@media(max-width:767px) {
    .wealth-body {
        grid-template-columns: 1fr;
        gap: 12px;
    }
}

.wealth-body h4 {
    font-size: 1.25rem;
}

.wealth-body p {
    font-size: .92rem;
    color: var(--ink-2);
    margin: 0;
}

.wealth-tags {
    display: flex;
    gap: 8px;
    flex-wrap: wrap;
    margin-top: .7rem;
}

.wealth-tags span {
    font-family: 'JetBrains Mono', monospace;
    font-size: .64rem;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--sage);
    background: var(--paper-2);
    padding: .25rem .6rem;
    border-radius: 4px;
}

/* === 05 PAYMENTS === */
.pay-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

@media(max-width:991px) {
    .pay-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media(max-width:575px) {
    .pay-grid {
        grid-template-columns: 1fr;
    }
}

.pay-cell {
    position: relative;
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 1.7rem 1.5rem;
    transition: .3s;
    overflow: hidden;
}

.pay-cell::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    width: 40px;
    height: 40px;
    background: var(--sienna);
    border-radius: 0 0 40px 0;
    transition: .35s;
}

.pay-cell:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-2);
}

.pay-cell:hover::before {
    width: 100%;
    height: 5px;
    border-radius: 0;
}

.pay-cell .pay-n {
    font-family: 'JetBrains Mono', monospace;
    font-size: .66rem;
    color: var(--ink-2);
    letter-spacing: .14em;
    position: relative;
    z-index: 1;
}

.pay-ic {
    width: 44px;
    height: 44px;
    border-radius: 10px;
    background: var(--paper-2);
    color: var(--sienna);
    display: grid;
    place-items: center;
    font-size: 1.1rem;
    margin: .8rem 0 1rem;
}

.pay-cell h4 {
    font-size: 1.05rem;
    margin-bottom: .45rem;
}

.pay-cell p {
    font-size: .88rem;
    color: var(--ink-2);
    margin: 0;
}

/* === 06 DEBT === */
.debt-flow {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    position: relative;
}

@media(max-width:991px) {
    .debt-flow {
        grid-template-columns: 1fr;
    }
}

.debt-card {
    position: relative;
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 2rem 1.7rem 1.7rem;
    transition: .3s;
}

.debt-card::after {
    content: "\f061";
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    position: absolute;
    top: 50%;
    right: -28px;
    transform: translateY(-50%);
    color: var(--sienna);
    font-size: 1.2rem;
    z-index: 2;
}

.debt-card:last-child::after {
    display: none;
}

@media(max-width:991px) {
    .debt-card::after {
        display: none;
    }
}

.debt-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow);
    border-color: var(--clay);
}

.debt-step {
    display: inline-block;
    font-family: 'JetBrains Mono', monospace;
    font-size: .68rem;
    letter-spacing: .2em;
    text-transform: uppercase;
    color: var(--clay);
    background: var(--paper-2);
    padding: .35rem .8rem;
    border-radius: 4px;
    margin-bottom: 1rem;
}

.debt-card h4 {
    font-size: 1.3rem;
    margin-bottom: .55rem;
}

.debt-card p {
    font-size: .92rem;
    color: var(--ink-2);
    margin: 0 0 1.2rem;
}

.debt-meter {
    display: flex;
    align-items: center;
    gap: 10px;
}

.debt-meter .line {
    flex: 1;
    height: 4px;
    background: var(--paper-2);
    border-radius: 999px;
    overflow: hidden;
}

.debt-meter .line i {
    display: block;
    height: 100%;
    background: linear-gradient(90deg, var(--clay), var(--sienna));
}

.debt-meter small {
    font-family: 'JetBrains Mono', monospace;
    font-size: .68rem;
    color: var(--ink-2);
}

/* === 07 HOME WARRANTY === */
.hw-bento {
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    grid-template-rows: auto auto;
    gap: 18px;
}

@media(max-width:991px) {
    .hw-bento {
        grid-template-columns: 1fr;
    }
}

.hw-card {
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 1.8rem 1.7rem;
    transition: .3s;
    position: relative;
    overflow: hidden;
}

.hw-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow);
}

.hw-card.big {
    grid-row: span 2;
    background: linear-gradient(160deg, var(--sage), var(--moss));
    color: var(--cream);
    border: none;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    min-height: 380px;
}

@media(max-width:991px) {
    .hw-card.big {
        grid-row: auto;
        min-height: auto;
    }
}

.hw-stripes {
    display: flex;
    height: 8px;
    margin-bottom: 1.2rem;
    border-radius: 4px;
    overflow: hidden;
}

.hw-stripes i {
    flex: 1;
}

.hw-stripes i:nth-child(1) {
    background: var(--clay);
}

.hw-stripes i:nth-child(2) {
    background: var(--sienna);
}

.hw-stripes i:nth-child(3) {
    background: var(--gold);
}

.hw-stripes i:nth-child(4) {
    background: var(--sage);
}

.hw-ic {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: var(--paper-2);
    color: var(--clay);
    display: grid;
    place-items: center;
    font-size: 1.25rem;
    margin-bottom: 1rem;
}

.hw-card.big .hw-ic {
    background: rgba(255, 255, 255, .15);
    color: var(--gold);
}

.hw-card h4 {
    font-size: 1.25rem;
    margin-bottom: .55rem;
}

.hw-card.big h4 {
    font-size: 1.8rem;
}

.hw-card p {
    font-size: .92rem;
    color: var(--ink-2);
    margin: 0 0 1rem;
}

.hw-card.big p {
    color: rgba(251, 246, 236, .85);
    font-size: 1rem;
}

.hw-tags {
    display: flex;
    flex-wrap: wrap;
    gap: 6px;
}

.hw-tags span {
    font-family: 'JetBrains Mono', monospace;
    font-size: .64rem;
    letter-spacing: .12em;
    text-transform: uppercase;
    background: var(--paper-2);
    color: var(--ink-2);
    padding: .3rem .65rem;
    border-radius: 4px;
}

.hw-card.big .hw-tags span {
    background: rgba(255, 255, 255, .12);
    color: var(--gold);
}

/* === 08 AUTO WARRANTY === */
.aw-table {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    border: 1px solid var(--line);
    border-radius: 18px;
    overflow: hidden;
}

@media(max-width:991px) {
    .aw-table {
        grid-template-columns: 1fr;
    }
}

.aw-col {
    padding: 2rem 1.7rem;
    background: var(--cream);
    border-right: 1px solid var(--line);
    position: relative;
    transition: .3s;
}

.aw-col:last-child {
    border-right: none;
}

@media(max-width:991px) {
    .aw-col {
        border-right: none;
        border-bottom: 1px solid var(--line);
    }
}

.aw-col.feat {
    background: var(--ink);
    color: var(--cream);
}

.aw-col:hover {
    background: var(--paper);
}

.aw-col.feat:hover {
    background: #291a0a;
}

.aw-badge {
    display: inline-block;
    font-family: 'JetBrains Mono', monospace;
    font-size: .68rem;
    letter-spacing: .2em;
    text-transform: uppercase;
    padding: .35rem .8rem;
    border-radius: 4px;
    background: var(--paper-2);
    color: var(--ink);
    margin-bottom: 1.2rem;
}

.aw-col.feat .aw-badge {
    background: var(--gold);
    color: var(--ink);
}

.aw-col h4 {
    font-size: 1.4rem;
    margin-bottom: .8rem;
}

.aw-col p {
    font-size: .9rem;
    opacity: .85;
    margin: 0 0 1.4rem;
}

.aw-list {
    list-style: none;
    padding: 0;
    margin: 0 0 1.4rem;
    display: grid;
    gap: .65rem;
}

.aw-list li {
    display: flex;
    gap: .65rem;
    font-size: .88rem;
    align-items: flex-start;
    padding-bottom: .6rem;
    border-bottom: 1px dashed var(--line);
}

.aw-list li:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.aw-list i {
    color: var(--sage);
    margin-top: 5px;
    font-size: .66rem;
}

.aw-col.feat .aw-list i {
    color: var(--gold);
}

.aw-col.feat .aw-list li {
    border-bottom-color: rgba(251, 246, 236, .15);
}

.aw-meter {
    display: flex;
    gap: 4px;
}

.aw-meter span {
    height: 6px;
    flex: 1;
    border-radius: 3px;
    background: var(--paper-2);
}

.aw-col.feat .aw-meter span {
    background: rgba(251, 246, 236, .14);
}

.aw-col.t1 .aw-meter span:nth-child(1) {
    background: var(--gold);
}

.aw-col.t2 .aw-meter span:nth-child(-n+2) {
    background: var(--gold);
}

.aw-col.t3 .aw-meter span {
    background: var(--gold);
}

/* ============ PROCESS ============ */
.process {
    padding: 130px 0;
    background: var(--paper-2);
    border-radius: 40px;
    position: relative;
    overflow: hidden;
}

.proc-curve {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 20px;
    position: relative;
}

@media(max-width:991px) {
    .proc-curve {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media(max-width:575px) {
    .proc-curve {
        grid-template-columns: 1fr;
    }
}

.proc-curve::before {
    content: "";
    position: absolute;
    top: 42px;
    left: 8%;
    right: 8%;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--sienna), var(--gold), var(--sage), transparent);
    z-index: 0;
}

@media(max-width:991px) {
    .proc-curve::before {
        display: none;
    }
}

.proc-node {
    position: relative;
    text-align: center;
    padding: 0 .8rem;
    z-index: 1;
}

.proc-circle {
    width: 80px;
    height: 80px;
    margin: 0 auto 1.4rem;
    background: var(--cream);
    border: 2px solid var(--ink);
    border-radius: 50% 50% 50% 8px;
    display: grid;
    place-items: center;
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 1.4rem;
    font-style: italic;
    color: var(--ink);
    transition: .3s;
    position: relative;
}

.proc-circle::after {
    content: "";
    position: absolute;
    inset: -8px;
    border-radius: 50% 50% 50% 8px;
    border: 1px dashed var(--sienna);
    opacity: 0;
    transition: .3s;
}

.proc-node:hover .proc-circle {
    background: var(--sienna);
    color: #fff;
    transform: translateY(-5px);
}

.proc-node:hover .proc-circle::after {
    opacity: 1;
}

.proc-node h4 {
    font-size: 1.1rem;
    margin-bottom: .5rem;
}

.proc-node p {
    font-size: .88rem;
    color: var(--ink-2);
    margin: 0;
}

/* ============ STATS ============ */
.stats {
    padding: 110px 0;
}

.stat-strip {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    background: var(--ink);
    color: var(--cream);
    border-radius: 22px;
    overflow: hidden;
}

@media(max-width:767px) {
    .stat-strip {
        grid-template-columns: repeat(2, 1fr);
    }
}

.stat-item {
    padding: 2.4rem 1.7rem;
    border-right: 1px solid rgba(251, 246, 236, .12);
    transition: .3s;
    position: relative;
}

.stat-item:last-child {
    border-right: none;
}

@media(max-width:767px) {
    .stat-item:nth-child(2) {
        border-right: none;
    }

    .stat-item:nth-child(1),
    .stat-item:nth-child(2) {
        border-bottom: 1px solid rgba(251, 246, 236, .12);
    }
}

.stat-item:hover {
    background: rgba(200, 148, 30, .08);
}

.stat-ic {
    color: var(--gold);
    font-size: 1.4rem;
    margin-bottom: 1rem;
}

.sv {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: clamp(2.6rem, 4.6vw, 3.4rem);
    color: var(--gold);
    font-style: italic;
    line-height: 1;
    margin-bottom: .4rem;
}

.sl {
    font-family: 'JetBrains Mono', monospace;
    font-size: .7rem;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: rgba(251, 246, 236, .7);
}

/* ============ TESTIMONIALS ============ */
.testi {
    padding: 120px 0;
}

.testi-grid {
    display: grid;
    grid-template-columns: 1fr 280px;
    gap: 40px;
    align-items: center;
    max-width: 1000px;
    margin: 0 auto;
}

@media(max-width:767px) {
    .testi-grid {
        grid-template-columns: 1fr;
    }
}

.quote-box {
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 22px 22px 22px 6px;
    padding: 2.8rem 2.6rem;
    position: relative;
    box-shadow: var(--shadow);
}

.quote-box::before {
    content: "\201C";
    font-family: 'Fraunces', serif;
    font-size: 6rem;
    line-height: .5;
    color: var(--gold);
    position: absolute;
    top: 18px;
    left: 24px;
    opacity: .35;
}

.quote-box blockquote {
    font-family: 'Fraunces', serif;
    font-size: clamp(1.15rem, 2vw, 1.5rem);
    font-weight: 500;
    line-height: 1.5;
    color: var(--ink);
    margin: 1.4rem 0 2rem;
    position: relative;
}

.q-meta {
    display: flex;
    align-items: center;
    gap: 14px;
    justify-content: space-between;
    flex-wrap: wrap;
}

.q-who {
    display: flex;
    align-items: center;
    gap: 14px;
}

.q-av {
    width: 52px;
    height: 52px;
    border-radius: 12px 12px 12px 4px;
    background: var(--ink);
    color: var(--gold);
    display: grid;
    place-items: center;
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-style: italic;
}

.q-who strong {
    display: block;
}

.q-who span {
    font-family: 'JetBrains Mono', monospace;
    font-size: .7rem;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--ink-2);
}

.q-nav {
    display: flex;
    gap: 10px;
}

.q-nav button {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    border: 1.5px solid var(--ink);
    background: transparent;
    color: var(--ink);
    transition: .3s;
    cursor: pointer;
}

.q-nav button:hover {
    background: var(--ink);
    color: var(--gold);
}

.q-thumbs {
    display: grid;
    gap: 10px;
}

@media(max-width:767px) {
    .q-thumbs {
        grid-template-columns: repeat(5, 1fr);
        display: flex;
        gap: 8px;
    }
}

.q-thumb {
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: .9rem;
    cursor: pointer;
    transition: .3s;
    display: flex;
    align-items: center;
    gap: 10px;
}

.q-thumb.active {
    background: var(--ink);
    color: var(--cream);
    border-color: var(--ink);
}

.q-thumb:hover {
    transform: translateY(-3px);
}

.q-thumb .ti {
    width: 32px;
    height: 32px;
    border-radius: 8px;
    background: var(--paper-2);
    color: var(--sienna);
    display: grid;
    place-items: center;
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: .82rem;
    font-style: italic;
    flex: none;
}

.q-thumb.active .ti {
    background: var(--gold);
    color: var(--ink);
}

.q-thumb small {
    font-size: .8rem;
    font-weight: 500;
}

/* ============ NEWSLETTER ============ */
.news {
    padding: 30px 0 110px;
}

.news-banner {
    background: var(--ink);
    color: var(--cream);
    border-radius: 28px;
    padding: 3rem;
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 40px;
    align-items: center;
    position: relative;
    overflow: hidden;
}

@media(max-width:767px) {
    .news-banner {
        grid-template-columns: 1fr;
        padding: 2rem;
        gap: 30px;
    }
}

.news-banner::before {
    content: "";
    position: absolute;
    top: -80px;
    right: -80px;
    width: 240px;
    height: 240px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(200, 148, 30, .3), transparent 70%);
}

.news-banner::after {
    content: "";
    position: absolute;
    bottom: -100px;
    left: -50px;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 99, 42, .22), transparent 70%);
}

.news-copy {
    position: relative;
    z-index: 1;
}

.news-copy h3 {
    font-size: clamp(1.6rem, 3vw, 2.3rem);
    margin-bottom: .7rem;
}

.news-copy p {
    color: rgba(251, 246, 236, .75);
    margin: 0;
}

.news-form {
    position: relative;
    z-index: 1;
}

.news-form form {
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.news-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
}

@media(max-width:575px) {
    .news-row {
        grid-template-columns: 1fr;
    }
}

.news-field {
    display: flex;
    flex-direction: column;
    gap: 4px;
}

.news-field label {
    font-family: 'JetBrains Mono', monospace;
    font-size: .66rem;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: var(--gold);
    margin-left: 12px;
}

.news-form input[type="text"],
.news-form input[type="email"],
.news-form input[type="date"] {
    width: 100%;
    border: 1px solid rgba(251, 246, 236, .22);
    background: rgba(255, 255, 255, .06);
    color: var(--cream);
    padding: .85rem 1.1rem;
    border-radius: 8px;
    font-family: inherit;
    font-size: .94rem;
    transition: .3s;
}

.news-form input[type="date"]::-webkit-calendar-picker-indicator {
    filter: invert(1);
    opacity: .7;
    cursor: pointer;
}

.news-form input:focus {
    outline: none;
    border-color: var(--gold);
    background: rgba(255, 255, 255, .1);
}

.news-check {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    cursor: pointer;
}

.news-check input[type="checkbox"] {
    appearance: none;
    -webkit-appearance: none;
    width: 18px;
    height: 18px;
    border: 1.5px solid rgba(251, 246, 236, .4);
    border-radius: 4px;
    background: rgba(255, 255, 255, .06);
    cursor: pointer;
    position: relative;
    flex-shrink: 0;
    margin-top: 2px;
    transition: .2s;
}

.news-check input[type="checkbox"]:checked {
    background: var(--gold);
    border-color: var(--gold);
}

.news-check input[type="checkbox"]:checked::after {
    content: "\f00c";
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    color: var(--ink);
    font-size: 11px;
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
}

.news-check label {
    font-size: .82rem;
    color: rgba(251, 246, 236, .75);
    line-height: 1.4;
    cursor: pointer;
    margin: 0;
}

.news-check label a {
    color: var(--gold);
    text-decoration: underline;
}

.news-form .btn-pri {
    width: 100%;
    justify-content: center;
    background: var(--gold);
    color: var(--ink);
}

.news-form .btn-pri::after {
    background: var(--sienna);
}

.news-form .btn-pri:hover {
    color: #fff;
}

.unsub-link {
    background: none;
    border: none;
    color: rgba(251, 246, 236, .6);
    font-size: .82rem;
    text-decoration: underline;
    padding: .6rem 0 0;
    cursor: pointer;
}

.unsub-link:hover {
    color: var(--gold);
}

/* ============ FAQ ============ */
.faq {
    padding: 120px 0;
    background: var(--paper-2);
}

.faq-grid {
    display: grid;
    grid-template-columns: .85fr 1.15fr;
    gap: 60px;
    align-items: start;
}

@media(max-width:991px) {
    .faq-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}

.faq-aside {
    position: sticky;
    top: 100px;
}

@media(max-width:991px) {
    .faq-aside {
        position: static;
    }
}

.faq-aside h2 {
    font-size: clamp(1.9rem, 3.4vw, 2.7rem);
    margin-bottom: 1rem;
}

.faq-aside p {
    color: var(--ink-2);
    margin-bottom: 1.6rem;
}

.faq-help {
    margin-top: 1.5rem;
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 1.4rem;
}

.faq-help h5 {
    font-size: 1rem;
    margin-bottom: .5rem;
}

.faq-help p {
    font-size: .88rem;
    color: var(--ink-2);
    margin: 0 0 .9rem;
}

.faq-list {
    display: grid;
    gap: 12px;
}

.fq {
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 14px;
    overflow: hidden;
    transition: .3s;
}

.fq:hover {
    border-color: var(--sienna);
}

.fq-q {
    width: 100%;
    display: flex;
    align-items: center;
    gap: 14px;
    text-align: left;
    background: none;
    border: none;
    padding: 1.2rem 1.5rem;
    font-family: 'Fraunces', serif;
    font-weight: 700;
    font-size: 1.02rem;
    color: var(--ink);
}

.fq-n {
    font-family: 'JetBrains Mono', monospace;
    font-size: .76rem;
    color: var(--sienna);
    min-width: 24px;
}

.fq-q em {
    margin-left: auto;
    font-style: normal;
    font-size: 1.4rem;
    color: var(--sienna);
    transition: .3s;
    line-height: 1;
}

.fq-q[aria-expanded="true"] em {
    transform: rotate(45deg);
}

.fq-a {
    padding: 0 1.5rem 1.3rem 3.3rem;
    color: var(--ink-2);
    font-size: .94rem;
}

/* ============ CONTACT & FORMS ============ */
.contact {
    padding: 120px 0;
}

.contact-grid {
    display: grid;
    grid-template-columns: 1.2fr .8fr;
    gap: 30px;
    align-items: stretch;
}

@media(max-width:991px) {
    .contact-grid {
        grid-template-columns: 1fr;
    }
}

.contact-form-wrap {
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 24px;
    padding: 2.4rem;
    box-shadow: var(--shadow);
}

.contact-form-wrap h2 {
    font-size: clamp(1.7rem, 3vw, 2.3rem);
    margin-bottom: 1.5rem;
}

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

@media(max-width:575px) {
    .f-row {
        grid-template-columns: 1fr;
    }
}

.contact label,
.contact-form-wrap label,
.solar-modal label {
    display: block;
    font-family: 'JetBrains Mono', monospace;
    font-size: .68rem;
    letter-spacing: .2em;
    text-transform: uppercase;
    color: var(--ink-2);
    margin: .9rem 0 .4rem;
}

.contact input,
.contact-form-wrap input,
.contact select,
.contact-form-wrap select,
.contact textarea,
.contact-form-wrap textarea,
.solar-modal input,
.solar-modal select,
.solar-modal textarea {
    width: 100%;
    border: 1px solid var(--line);
    background: var(--paper);
    border-radius: 10px;
    padding: .85rem 1.1rem;
    font-family: inherit;
    color: var(--ink);
    transition: .3s;
}

.contact input:focus,
.contact-form-wrap input:focus,
.contact select:focus,
.contact-form-wrap select:focus,
.contact textarea:focus,
.contact-form-wrap textarea:focus,
.solar-modal input:focus,
.solar-modal select:focus,
.solar-modal textarea:focus {
    outline: none;
    border-color: var(--sienna);
    background: #fff;
}

.contact button[type=submit],
.contact-form-wrap button[type=submit] {
    margin-top: 1.4rem;
    justify-content: center;
    width: 100%;
}

.contact-side {
    background: var(--ink);
    color: var(--cream);
    border-radius: 24px;
    padding: 2.2rem;
    display: flex;
    flex-direction: column;
}

.contact-side h3 {
    font-size: 1.4rem;
    margin-bottom: 1.4rem;
}

.contact-side ul {
    list-style: none;
    padding: 0;
    margin: 0;
}

.contact-side li {
    display: flex;
    gap: 14px;
    padding: 1rem 0;
    border-bottom: 1px solid rgba(251, 246, 236, .14);
}

.contact-side li:last-child {
    border-bottom: none;
}

.contact-side li i {
    color: var(--gold);
    margin-top: 5px;
    width: 20px;
    text-align: center;
}

.contact-side small {
    display: block;
    font-family: 'JetBrains Mono', monospace;
    font-size: .66rem;
    letter-spacing: .2em;
    text-transform: uppercase;
    color: var(--gold);
}

.map-strip {
    margin-top: auto;
    background: rgba(255, 255, 255, .06);
    border-radius: 12px;
    padding: .9rem 1.1rem;
    font-size: .88rem;
    color: rgba(251, 246, 236, .8);
}

/* ============ FINAL CTA ============ */
.final {
    padding: 130px 0;
    text-align: center;
    background:
        radial-gradient(circle at 50% 0%, rgba(200, 148, 30, .35), transparent 50%),
        linear-gradient(120deg, var(--sienna), var(--clay));
    color: #fff;
    position: relative;
    overflow: hidden;
}

.final::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image: radial-gradient(rgba(255, 255, 255, .08) 1px, transparent 1px);
    background-size: 8px 8px;
    opacity: .4;
    pointer-events: none;
}

.final h2 {
    font-size: clamp(2rem, 4.8vw, 3.4rem);
    margin-bottom: 2rem;
    position: relative;
    font-style: italic;
}

.final .btn-pri {
    background: #fff;
    color: var(--ink);
    position: relative;
}

.final .btn-pri::after {
    background: var(--ink);
}

.final .btn-pri:hover {
    color: var(--cream);
}

/* ============ FOOTER ============ */
.solar-foot {
    background: var(--ink);
    color: rgba(251, 246, 236, .78);
    padding: 80px 0 26px;
}

.foot-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 36px;
}

@media(max-width:767px) {
    .foot-grid {
        grid-template-columns: 1fr 1fr;
    }
}

.solar-foot p {
    font-size: .92rem;
    margin-top: 1rem;
    max-width: 340px;
}

.solar-foot h5 {
    color: var(--cream);
    font-size: .82rem;
    font-family: 'JetBrains Mono', monospace;
    letter-spacing: .2em;
    text-transform: uppercase;
    margin-bottom: 1rem;
}

.solar-foot ul {
    list-style: none;
    padding: 0;
    margin: 0;
    display: grid;
    gap: .6rem;
}

.solar-foot a:hover,
.link-like:hover {
    color: var(--gold);
}

.link-like {
    background: none;
    border: none;
    padding: 0;
    color: inherit;
    font: inherit;
    text-align: left;
    cursor: pointer;
}

.foot-social {
    display: flex;
    gap: 10px;
    margin-top: 1.2rem;
}

.foot-social a {
    width: 38px;
    height: 38px;
    border-radius: 8px;
    border: 1px solid rgba(251, 246, 236, .22);
    display: grid;
    place-items: center;
    transition: .3s;
}

.foot-social a:hover {
    background: var(--gold);
    color: var(--ink);
    border-color: transparent;
}

.foot-bottom {
    margin-top: 56px;
    padding-top: 20px;
    border-top: 1px solid rgba(251, 246, 236, .14);
    display: flex;
    justify-content: space-between;
    gap: 12px;
    flex-wrap: wrap;
    font-size: .82rem;
    color: rgba(251, 246, 236, .6);
}

/* ============ MODALS ============ */
.solar-modal {
    background: var(--cream);
    border: none;
    border-radius: 24px;
    color: var(--ink);
}

.solar-modal .modal-header {
    border-bottom: 1px solid var(--line);
}

.solar-modal .modal-title {
    font-family: 'Fraunces', serif;
    font-weight: 900;
}

.success-orb {
    width: 84px;
    height: 84px;
    margin: 0 auto 1.3rem;
    border-radius: 20px 20px 20px 4px;
    display: grid;
    place-items: center;
    font-size: 2rem;
    color: #fff;
    background: linear-gradient(140deg, var(--sage), var(--moss));
    box-shadow: 0 14px 30px -16px rgba(74, 107, 58, .9);
}

.solar-modal h4 {
    font-size: 1.5rem;
    margin-bottom: .6rem;
}

.policy h6 {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    color: var(--clay);
    margin-top: 1.3rem;
    font-size: 1rem;
}

.policy p {
    font-size: .94rem;
    color: var(--ink-2);
}

/* ============ PAGE HEADER (inner pages) ============ */
.page-hero {
    padding: 140px 0 60px;
    background: var(--paper);
    position: relative;
    overflow: hidden;
}

.page-hero::before {
    content: "";
    position: absolute;
    top: 0;
    right: 0;
    width: 45%;
    height: 100%;
    background:
        radial-gradient(circle at 70% 30%, rgba(212, 99, 42, .25), transparent 50%),
        radial-gradient(circle at 30% 80%, rgba(200, 148, 30, .18), transparent 55%);
    pointer-events: none;
}

.page-hero .wrap {
    position: relative;
    z-index: 1;
}

.page-hero h1 {
    font-size: clamp(2.2rem, 5vw, 3.6rem);
    margin-bottom: 1rem;
}

.page-hero p {
    color: var(--ink-2);
    max-width: 620px;
    font-size: 1.1rem;
}

.page-section {
    padding: 60px 0 120px;
}

/* Legal page content */
.legal-content {
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 24px;
    padding: 3rem;
    box-shadow: var(--shadow);
}

.legal-content h6 {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    color: var(--clay);
    margin-top: 1.6rem;
    font-size: 1.15rem;
}

.legal-content h6:first-child {
    margin-top: 0;
}

.legal-content p {
    font-size: .95rem;
    color: var(--ink-2);
    line-height: 1.75;
}

.legal-content .last-updated {
    font-family: 'JetBrains Mono', monospace;
    font-size: .72rem;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: var(--ink-2);
    margin-bottom: 2rem;
    padding-bottom: 1rem;
    border-bottom: 1px solid var(--line);
}

/* ============ REVEAL ============ */
.reveal {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity .7s ease, transform .7s cubic-bezier(.2, .7, .3, 1);
}

.reveal.in {
    opacity: 1;
    transform: none;
}