:root{
  --bg:#FFFFFF; --bg-2:#F8F5EE; --bg-3:#EEE8DA; --line:#E3DCCB;
  --text:#161410; --muted:#6A655B;
  --gold:#B8902F; --gold-2:#D3B45C; --gold-deep:#8A6A24; --gold-text:#8A6A24;
  --display:"Montserrat","Futura","Avenir Next","Helvetica Neue",Arial,sans-serif;
  --body:"Source Sans 3","Source Sans Pro","Segoe UI","Helvetica Neue",Arial,sans-serif;
  --max:1180px;
  color-scheme:light;
}
.dark{
  --bg:#0E0E0F; --bg-2:#161618; --bg-3:#1F1F22; --line:#2A2A2E;
  --text:#F4F1EA; --muted:#A8A297;
  --gold:#C9A24A; --gold-2:#E9CF86; --gold-deep:#8F6F2A; --gold-text:#E9CF86;
  background:var(--bg);color:var(--text);color-scheme:dark;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font-family:var(--body);font-size:18px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{margin:0;font-weight:500;text-wrap:balance}
p{margin:0}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
button{font-family:var(--body)}
.wrap{max-width:var(--max);margin-inline:auto;padding-inline:clamp(16px,4vw,40px)}
.eyebrow{font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-text);font-weight:500}
.eyebrow::before{content:"";display:inline-block;width:28px;height:1px;background:var(--gold);vertical-align:middle;margin-right:12px}
section{padding-block:clamp(64px,9vw,120px)}
.h2{font-family:var(--display);font-weight:600;text-transform:uppercase;font-size:clamp(24px,3.1vw,38px);line-height:1.12;letter-spacing:.02em;margin-top:18px}
.lead{font-size:clamp(17px,1.4vw,20px);color:var(--muted);max-width:62ch;font-weight:300}
.mt{margin-top:18px}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
[hidden]{display:none!important}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 26px;border-radius:2px;font-size:13px;letter-spacing:.16em;text-transform:uppercase;font-weight:500;border:1px solid transparent;transition:transform .2s,background .2s,color .2s,border-color .2s;cursor:pointer;font-family:var(--body);white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btn-gold{background:linear-gradient(120deg,var(--gold-2),var(--gold) 55%,var(--gold-deep));color:#161207;border-color:var(--gold)}
.btn-gold:hover{filter:brightness(1.06)}
.btn-line{border-color:var(--gold);color:var(--gold-text);background:transparent}
.btn-line:hover{background:rgba(201,162,74,.1)}
.btn-ghost{border-color:var(--line);color:var(--text);background:transparent}
.btn-ghost:hover{border-color:var(--gold)}
.btn-sm{padding:11px 18px;font-size:12px}

/* nav */
.topbar{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:rgba(14,14,15,.9);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.topbar .wrap{max-width:1440px}
.nav{display:flex;align-items:center;gap:18px;height:78px}
.logo{width:150px;flex:none}.logo img{width:100%;height:auto}
.tabs{display:flex;flex:1 1 0;min-width:0;justify-content:center;gap:clamp(10px,1.2vw,18px);margin-inline:auto;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.tabs a{padding:8px 0;white-space:nowrap;border-bottom:1px solid transparent;transition:color .2s,border-color .2s}
.tabs a:hover,.tabs a.is-active{color:var(--gold-text);border-bottom-color:var(--gold)}
.tabs a.hot{color:var(--gold-text)}
.nav-right{display:flex;align-items:center;gap:18px;flex:none}
.phone{font-size:13.5px;letter-spacing:.02em;white-space:nowrap;color:var(--text);font-variant-numeric:tabular-nums}
.phone span{color:var(--gold);margin-right:6px}
.nav .btn{padding:11px 16px;font-size:11px}
.menu-btn{display:none;background:none;border:1px solid var(--line);color:var(--text);width:44px;height:44px;border-radius:2px;cursor:pointer;flex:none}
.menu-btn svg{width:22px;height:22px}
.drawer{display:none;border-top:1px solid var(--line);background:var(--bg-2)}
.drawer a{display:block;padding:14px 0;border-bottom:1px solid var(--line);font-size:13px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}
.drawer .phone{display:block;padding:18px 0 8px}
.drawer .btn{margin:14px 0 22px;width:100%}
.drawer.open{display:block}

/* hero */
.hero{position:relative;overflow:hidden;padding-block:clamp(56px,7vw,96px) clamp(56px,7vw,96px);border-bottom:1px solid var(--line)}
.hero::before{content:"";position:absolute;inset:0;background:
  radial-gradient(900px 520px at 78% 30%,rgba(201,162,74,.14),transparent 60%),
  linear-gradient(180deg,var(--bg-2),var(--bg) 60%)}
.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:clamp(28px,4vw,64px);align-items:center}
.h1{font-family:var(--display);font-weight:600;text-transform:uppercase;font-size:clamp(32px,4.8vw,64px);line-height:1.06;letter-spacing:.02em;margin-top:22px}
.h1 em{font-style:normal;color:var(--gold)}
.hero .lead{margin-top:26px;font-size:clamp(18px,1.5vw,21px)}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:36px}
.cta-note{margin-top:14px;font-size:13px;color:var(--muted);font-weight:300}
.hero-art{position:relative;max-width:100%}
.hero-art svg,.hero-art img{width:100%;height:auto;display:block;box-shadow:0 30px 70px rgba(22,20,16,.22)}
.hero-art img{aspect-ratio:4/5;object-fit:cover;object-position:50% 30%;border:1px solid var(--gold);border-radius:4px}
/* photo hero */
.hero-photo{background:#000;padding-block:clamp(56px,6vw,96px) clamp(44px,5vw,72px);border-bottom:1px solid #2A2A2E}
.hero-photo::before{display:none}
.hero-bg{position:absolute;top:0;right:0;bottom:0;width:62%;overflow:hidden}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:35% 50%}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#000 0%,rgba(0,0,0,.82) 14%,rgba(0,0,0,.35) 40%,rgba(0,0,0,0) 62%),linear-gradient(0deg,rgba(0,0,0,.55) 0%,rgba(0,0,0,0) 30%)}
.hero-copy{position:relative;max-width:700px}
.hero-photo .h1{font-size:clamp(32px,4.1vw,58px)}
.hero-brand{display:flex;align-items:center;gap:20px;margin-bottom:28px}
.hero-brand .seal{mix-blend-mode:lighten}
.hero-brand .seal{width:92px;height:92px}
.hero-brand .word{width:170px;height:auto}
.hero-brand .rule{width:1px;height:70px;background:var(--gold);opacity:.7}
.hero-photo .h1{text-shadow:0 2px 24px rgba(0,0,0,.45)}
.hero-photo .lead{color:#E4DFD4}
.hero-photo .stats{border-top-color:rgba(255,255,255,.14)}
.who-photo{margin:36px 0 0;border:1px solid var(--gold);border-radius:2px;overflow:hidden}
.who-photo img{display:block;width:100%;height:auto;aspect-ratio:1/1;object-fit:cover}
.hero-art .cap{position:absolute;left:0;bottom:-28px;font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}
.stats{position:relative;display:grid;grid-template-columns:repeat(3,auto);gap:clamp(24px,5vw,72px);margin-top:clamp(40px,5vw,64px);padding-top:32px;border-top:1px solid var(--line);width:fit-content}
.stat .num{font-family:var(--display);font-weight:600;font-size:clamp(30px,3.2vw,46px);line-height:1;color:var(--gold);font-variant-numeric:tabular-nums}
.stat .num sup{font-size:.45em;vertical-align:top;top:.35em;position:relative;color:var(--gold)}
.stat .lbl{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-top:8px}
@keyframes glow{0%,100%{opacity:.55}50%{opacity:1}}
.win{animation:glow 6s ease-in-out infinite}
.win:nth-child(2n){animation-delay:-2s}.win:nth-child(3n){animation-delay:-4s}

/* market strip */
.market{border-bottom:1px solid var(--line);border-top:1px solid var(--line);background:var(--bg)}
.market .wrap{display:grid;grid-template-columns:auto 1fr auto;gap:28px;align-items:center;padding-block:18px}
.market .tag{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:500;white-space:nowrap}
.market .tag small{display:block;color:var(--muted);letter-spacing:.1em;font-weight:300;margin-top:2px}
.market p{font-size:15px;font-weight:300;color:var(--text)}
.market p b{font-weight:500;color:var(--gold-text)}
.rates-grid{display:grid;grid-template-columns:1fr auto;gap:clamp(32px,6vw,96px);align-items:center}
.rates-grid .lead{max-width:560px}
.rates-widget{max-width:100%;overflow:hidden}
.market a{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-text);white-space:nowrap;border-bottom:1px solid var(--gold-deep)}

/* products */
.tiles{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;background:var(--line);border:1px solid var(--line);margin-top:48px}
.tile{background:var(--bg-2);padding:30px 26px 28px;display:flex;flex-direction:column;gap:14px;position:relative;min-height:236px;transition:background .3s;overflow:hidden;isolation:isolate}
.tile:hover{background:var(--bg-3)}
.tile::after{content:"→";position:absolute;right:22px;bottom:22px;color:var(--gold);opacity:0;transform:translateX(-6px);transition:.25s;z-index:2}
.tile:hover::after{opacity:1;transform:none}
.tile .ic{width:46px;height:46px;stroke:var(--gold);fill:none;stroke-width:1.3;stroke-linecap:round;stroke-linejoin:round;position:relative;z-index:2}
.tile .art{position:absolute;right:-18px;bottom:-14px;width:72%;height:auto;opacity:0;transform:translate(8px,10px) scale(.96);transition:opacity .45s ease,transform .5s ease;z-index:1;pointer-events:none;stroke:var(--gold-2);fill:none;stroke-width:1;stroke-linecap:round;stroke-linejoin:round}
.tile:hover .art{opacity:.26;transform:none}
.tile h3{font-size:18px;font-weight:600;letter-spacing:.02em;margin-top:auto;position:relative;z-index:2}
.tile p{font-size:14px;color:var(--muted);font-weight:300;line-height:1.5;position:relative;z-index:2}

/* who */
.ivory{background:var(--bg-2)}
.who-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:clamp(32px,6vw,90px);align-items:start}
.who-copy{display:grid;gap:20px;font-size:18px;line-height:1.7;font-weight:300;color:var(--text)}
.who-copy strong{font-weight:500}
.who-list{display:grid;gap:0;margin-top:26px;border-top:1px solid var(--line)}
.who-list div{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px solid var(--line);font-size:15px}
.who-list div span:last-child{color:var(--muted);text-align:right}
.link{display:inline-flex;align-items:center;gap:10px;font-size:13px;letter-spacing:.18em;text-transform:uppercase;font-weight:500;color:var(--gold-text);border-bottom:1px solid currentColor;padding-bottom:4px;margin-top:8px;transition:gap .2s}
.link:hover{gap:16px}

/* team */
.team{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:44px}
.person{display:grid;grid-template-columns:132px 1fr;gap:26px;background:var(--bg-2);border:1px solid var(--line);padding:28px;align-items:start}
.portrait{width:132px;height:132px;border-radius:50%;border:1px solid var(--gold);background:radial-gradient(circle at 35% 30%,var(--bg-2),var(--bg-3));display:grid;place-items:center;font-family:var(--display);font-size:44px;color:var(--gold-text);position:relative;max-width:100%}
.portrait img{width:100%;height:100%;object-fit:cover;border-radius:50%;display:block}
.portrait small{position:absolute;bottom:-22px;left:0;right:0;text-align:center;font-family:var(--body);font-size:10px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.person h3{font-family:var(--display);font-size:24px;font-weight:600;text-transform:uppercase;letter-spacing:.04em}
.person .role{font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-text);margin-top:4px}
.person p{font-size:15px;color:var(--muted);font-weight:300;margin-top:12px;line-height:1.6}
.person .row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.join-card{border:1px solid var(--gold);background:var(--bg)}
.join-card h3{color:var(--text)}
.join-card .eyebrow{margin-bottom:8px}
.seal-portrait{border-color:var(--gold);background:#000;overflow:hidden}
.seal-portrait img{width:100%;height:100%;object-fit:cover;border-radius:50%}
.team-join{margin-top:28px}
.join-wrap{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(28px,5vw,72px);align-items:start}
.join-form{display:grid;gap:16px;background:var(--bg);border:1px solid var(--line);padding:clamp(22px,4vw,40px)}
.jf-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.jf-row{display:grid;gap:6px;min-width:0;margin:0;border:0;padding:0}
.jf-row label,.jf-row legend{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);padding:0}
.jf-row label span{color:var(--gold-text);margin-left:2px}
.jf-row small{text-transform:none;letter-spacing:0}
.jf-row input,.jf-row select,.jf-row textarea{width:100%;font:16px/1.4 var(--body);color:var(--text);background:var(--bg-2);border:1px solid var(--line);padding:12px 14px;border-radius:0}
.jf-row input:focus,.jf-row select:focus,.jf-row textarea:focus{outline:2px solid var(--gold);outline-offset:1px}
.jf-checks{display:flex;flex-wrap:wrap;gap:10px 18px;align-items:center}
.jf-checks legend{width:100%;margin-bottom:6px}
.jf-checks label{display:inline-flex;gap:8px;align-items:center;font-size:16px;letter-spacing:0;text-transform:none;color:var(--text)}
.jf-checks input{width:18px;height:18px;padding:0;accent-color:var(--gold)}
.jf-error{margin:0;color:#8E2F2A;font-size:15px}
.join-form .btn{justify-self:start}
.join-form .consent{font-size:12.5px;color:var(--muted);line-height:1.55;margin:0}
.join-form .consent a{color:var(--gold-text);text-decoration:underline}
.join-form .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.join-thanks{background:var(--bg);border:1px solid var(--gold);padding:clamp(28px,5vw,48px)}
.join-thanks h3{font-family:var(--display);font-weight:600;font-size:22px;text-transform:uppercase;letter-spacing:.03em}
@media (max-width:820px){.join-wrap,.jf-grid{grid-template-columns:1fr}}
.person .nmls{font-size:12px;color:var(--muted);margin-top:14px;letter-spacing:.06em}

/* reviews */
.reviews-head{display:flex;justify-content:space-between;align-items:end;gap:24px;flex-wrap:wrap}
.stars{color:var(--gold);letter-spacing:2px;font-size:15px}
/* reviews carousel */
.reviews-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:clamp(36px,6vw,88px);align-items:center}
.reviews-intro{display:grid;gap:0;align-content:start}
.rating-block{display:flex;align-items:center;gap:18px;margin-top:32px;padding-top:26px;border-top:1px solid var(--line)}
.rating-num{font-family:var(--display);font-weight:600;font-size:56px;line-height:1;color:var(--gold)}
.rating-block div{display:grid;gap:6px}
.rev-stars{color:var(--gold);letter-spacing:4px;font-size:18px;line-height:1}
.rating-block small{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.rev-links{display:flex;flex-wrap:wrap;gap:14px 28px;margin-top:28px}
.rev-carousel{min-width:0;display:grid;gap:22px}
.rev-card{position:relative;background:var(--bg);border:1px solid var(--line);box-shadow:0 24px 70px rgba(22,20,16,.08);padding:clamp(28px,5vw,52px);min-height:360px;display:grid;overflow:hidden}
.rev-quote{position:absolute;top:-10px;left:22px;font-family:Georgia,"Times New Roman",serif;font-size:140px;line-height:1;color:var(--gold);opacity:.18;pointer-events:none}
.rev-slides{display:grid;position:relative}
.rev-slide{grid-area:1/1;display:grid;grid-template-rows:auto 1fr auto;gap:22px;opacity:0;transform:translateY(8px);transition:opacity .6s ease,transform .6s ease;visibility:hidden}
.rev-slide.is-active{opacity:1;transform:none;visibility:visible}
.rev-slide .rev-stars{font-size:16px}
.rev-slide blockquote{margin:0;font-family:var(--body);font-weight:300;font-size:clamp(17px,1.6vw,20px);line-height:1.6;color:var(--text)}
.rev-slide blockquote p{margin:0}
.rev-slide blockquote p+p,.rev-slide blockquote div>p+p{margin-top:.8em}
.rev-more{margin-top:14px;padding:0 0 2px;background:none;border:0;border-bottom:1px solid currentColor;font-family:var(--body);font-size:13px;letter-spacing:.14em;text-transform:uppercase;font-weight:500;color:var(--gold-text);cursor:pointer}
.rev-more:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.rev-foot{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;padding-top:18px;border-top:1px solid var(--line)}
.rev-name{font-family:var(--display);font-weight:600;font-size:14px;letter-spacing:.08em;text-transform:uppercase;color:var(--text)}
.rev-date{display:block;font-size:13px;color:var(--muted);margin-top:4px}
.rev-badge{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--line);padding:6px 10px;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.gmark{width:14px;height:14px;flex:none}
.rev-controls{display:flex;justify-content:space-between;align-items:center;gap:16px}
.rev-dots{display:flex;gap:8px;flex-wrap:wrap}
.rev-dot{width:26px;height:3px;padding:0;border:0;background:var(--line);cursor:pointer;background-clip:content-box;padding-block:8px;box-sizing:content-box}
.rev-dot.is-active{background-color:var(--gold)}
.rev-arrows{display:flex;gap:8px}
.rev-arrow{width:40px;height:40px;display:grid;place-items:center;border:1px solid var(--line);background:transparent;color:var(--text);font-size:22px;line-height:1;cursor:pointer}
.rev-arrow:hover{border-color:var(--gold);color:var(--gold-text)}
.rev-dot:focus-visible,.rev-arrow:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
@media (max-width:820px){.reviews-grid{grid-template-columns:1fr}.rev-card{min-height:0}}
@media (prefers-reduced-motion:reduce){.rev-slide{transition:none;transform:none}}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
.card{background:var(--bg);border:1px solid var(--line);padding:30px 28px;display:grid;gap:16px;position:relative}
.card::before{content:"\201C";position:absolute;top:8px;right:22px;font-family:Georgia,serif;font-size:80px;line-height:1;color:var(--gold);opacity:.25}
.card p{font-weight:300;line-height:1.65;color:var(--text)}
.card .meta{display:flex;justify-content:space-between;align-items:center;font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:14px}
.card .meta b{font-weight:500;color:var(--text);display:block;font-size:14px}
.src{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-text)}
.note{margin-top:22px;font-size:13px;color:var(--muted);font-weight:300;border-left:2px solid var(--gold-deep);padding-left:12px;max-width:70ch}

/* compare */
.compare{margin-top:48px;overflow-x:auto;border:1px solid var(--line)}
table{width:100%;border-collapse:collapse;min-width:680px}
th,td{padding:18px 20px;text-align:center;border-bottom:1px solid var(--line);font-size:15px;vertical-align:middle}
th{font-size:12px;letter-spacing:.18em;text-transform:uppercase;font-weight:500;color:var(--muted);background:var(--bg-2)}
td:first-child,th:first-child{text-align:left}
td:first-child{font-weight:400;color:var(--text)}
th.us,td.us{background:rgba(201,162,74,.08);color:var(--text)}
th.us{color:var(--gold-text);border-bottom-color:var(--gold)}
td .y{color:var(--gold);font-size:18px}
td .n{color:var(--muted);opacity:.6;font-size:16px}
td .m{color:var(--muted);font-size:14px}
tr:last-child td{border-bottom:0}

/* calculators */
.calc-head{display:flex;justify-content:space-between;align-items:end;gap:24px;flex-wrap:wrap}
.bm{display:inline-flex;align-items:center;gap:10px;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}
.bm b{font-family:var(--display);font-size:18px;letter-spacing:0;text-transform:none;font-weight:600;color:var(--gold-text);font-weight:500}
.calc{margin-top:40px;border:1px solid var(--line);background:var(--bg);box-shadow:0 20px 60px rgba(22,20,16,.06)}
.calc-tabs{display:flex;border-bottom:1px solid var(--line);overflow-x:auto}
.calc-tabs button{flex:1;background:none;border:0;border-right:1px solid var(--line);color:var(--muted);padding:18px 16px;font-size:12px;letter-spacing:.16em;text-transform:uppercase;cursor:pointer;white-space:nowrap}
.calc-tabs button:last-child{border-right:0}
.calc-tabs button.on{color:var(--gold-text);background:rgba(201,162,74,.08);box-shadow:inset 0 -2px 0 var(--gold)}
.calc-body{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0}
.calc-form{padding:32px;display:grid;gap:18px;border-right:1px solid var(--line)}
.field{display:grid;gap:6px}
.field label{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.field .in{display:flex;align-items:center;border:1px solid var(--line);background:var(--bg-2);border-radius:2px}
.field .in span{padding:0 12px;color:var(--gold);font-size:14px}
.field input{flex:1;min-width:0;background:transparent;border:0;color:var(--text);font:400 17px var(--body);padding:12px 12px 12px 0;font-variant-numeric:tabular-nums}
.field input:focus{outline:none}
.field .in:focus-within{border-color:var(--gold)}
.field select{background:var(--bg-2);border:1px solid var(--line);color:var(--text);font:400 16px var(--body);padding:12px;border-radius:2px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.calc-out{padding:32px;display:grid;align-content:start;gap:18px}
.big{font-family:var(--display);font-weight:600;font-size:clamp(36px,4vw,54px);line-height:1;color:var(--gold);font-variant-numeric:tabular-nums}
.big small{font-family:var(--body);font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);display:block;margin-bottom:10px}
.rows{display:grid;border-top:1px solid var(--line)}
.rows div{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-bottom:1px solid var(--line);font-size:15px}
.rows div span:first-child{color:var(--muted);font-weight:300}
.rows div span:last-child{font-variant-numeric:tabular-nums}
.bar{height:10px;background:var(--bg-3);border-radius:2px;overflow:hidden;display:flex}
.bar i{display:block;height:100%}
.legend{display:flex;gap:18px;flex-wrap:wrap;font-size:12px;color:var(--muted)}
.legend i{display:inline-block;width:10px;height:10px;margin-right:6px;vertical-align:middle}
.calc-foot{border-top:1px solid var(--line);padding:16px 32px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:12.5px;color:var(--muted);font-weight:300}
.calc-foot a{color:var(--gold-text)}

/* connect */
.connect{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:44px}
.way{border:1px solid var(--line);background:var(--bg);padding:28px 24px;display:grid;gap:12px;align-content:start;position:relative;transition:border-color .2s}
.way:hover{border-color:var(--gold)}
.way svg{width:34px;height:34px;stroke:var(--gold);fill:none;stroke-width:1.3;stroke-linecap:round;stroke-linejoin:round}
.way h3{font-size:19px}
.way p{font-size:14px;color:var(--muted);font-weight:300;line-height:1.5}
.way .btn{margin-top:auto;width:100%}
.way .when{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}

/* faq */
.faq{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(32px,6vw,90px);align-items:start}
.faq-list{border-top:1px solid var(--line)}
details{border-bottom:1px solid var(--line)}
summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:22px 0;font-size:20px;font-weight:500}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-family:var(--body);font-weight:300;font-size:28px;color:var(--gold);flex:none;transition:transform .25s;line-height:1}
details[open] summary::after{transform:rotate(45deg)}
details p{padding-bottom:24px;color:var(--muted);font-weight:300;max-width:62ch;line-height:1.7}

/* final cta */
.final{position:relative;overflow:hidden;text-align:center;border-top:1px solid var(--line)}
.final::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 380px at 50% 100%,rgba(201,162,74,.22),transparent 65%)}
.final .wrap{position:relative;display:grid;justify-items:center}
.final .h2{max-width:20ch}
.final .split{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:26px;margin-top:44px;width:min(760px,100%)}
.final .split .or{font-family:var(--body);font-style:italic;color:var(--gold);font-size:22px;font-weight:300}
.final .opt{display:grid;gap:12px;justify-items:center}
.final .opt small{font-size:13px;color:var(--muted);font-weight:300}
.consent{font-size:12px;color:var(--muted);font-weight:300;max-width:70ch;line-height:1.6;margin-top:26px}

/* social */
.social{border-top:1px solid var(--line);padding-block:56px;background:var(--bg-2)}
.social-row{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.thumbs{display:grid;grid-template-columns:repeat(6,1fr);gap:10px;margin-top:28px}
.thumb{aspect-ratio:1;max-width:100%;background:linear-gradient(160deg,var(--bg-3),var(--bg-2));border:1px solid var(--line);display:grid;place-items:center;color:var(--gold-deep);font-size:11px;letter-spacing:.14em;text-transform:uppercase}
.thumb:nth-child(3n){background:linear-gradient(160deg,rgba(201,162,74,.18),var(--bg-2))}

/* footer */
footer{border-top:1px solid var(--line);padding-block:56px 36px;font-size:14px;color:var(--muted);font-weight:300}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px}
.foot-brand{display:grid;grid-template-columns:120px 1fr;gap:20px;align-items:start}
.seal{width:120px;height:120px;border-radius:50%;box-shadow:0 0 0 1px var(--line),0 12px 40px rgba(201,162,74,.15)}
.foot-grid h4{margin:0 0 14px;font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-text);font-weight:500}
.foot-grid a{display:block;padding:4px 0}
.foot-grid a:hover{color:var(--gold-text)}
.foot-bottom{margin-top:40px;padding-top:22px;border-top:1px solid var(--line);display:grid;gap:10px;font-size:12.5px;line-height:1.6}
.foot-bottom .row{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.eho{display:inline-block;width:22px;height:19px;vertical-align:-4px;margin-right:8px;color:var(--text)}
.thumbs[hidden]{display:none}

/* ---------- inner pages ---------- */
.page-hero{position:relative;overflow:hidden;border-bottom:1px solid var(--line);padding-block:clamp(48px,6vw,80px)}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(800px 420px at 85% 0%,rgba(201,162,74,.14),transparent 60%),linear-gradient(180deg,var(--bg-2),var(--bg))}
.page-hero .wrap{position:relative}
.crumbs{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);display:flex;gap:10px;flex-wrap:wrap}
.crumbs a:hover{color:var(--gold-2)}
.page-hero .h1{font-size:clamp(30px,4.4vw,56px);margin-top:20px}
.page-hero .art{position:absolute;right:0;top:50%;transform:translateY(-50%);width:min(34vw,360px);opacity:.22;stroke:var(--gold-2);fill:none;stroke-width:.9;stroke-linecap:round;stroke-linejoin:round;pointer-events:none}
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.fact{background:var(--bg-2);padding:24px 22px}
.fact b{display:block;font-family:var(--display);font-weight:600;font-size:24px;color:var(--gold);font-weight:500;line-height:1.1}
.fact span{display:block;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-top:8px}
.two-col{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(28px,5vw,72px);align-items:start}
.prose{display:grid;gap:18px;font-size:18px;font-weight:300;line-height:1.7;color:var(--text)}
.checks{display:grid;gap:12px;margin-top:22px}
.checks div{display:flex;gap:14px;font-size:16px;font-weight:300;line-height:1.5}
.checks div::before{content:"✓";color:var(--gold);font-weight:500;flex:none}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:40px}
.step{border-top:1px solid var(--gold);padding-top:20px}
.step b{font-family:var(--display);font-weight:600;font-size:30px;color:var(--gold);font-weight:400;display:block;line-height:1}
.step h3{font-size:19px;margin-top:12px}
.step p{font-size:15px;color:var(--muted);font-weight:300;margin-top:8px;line-height:1.6}
.more{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}
.chip{font-size:12px;letter-spacing:.14em;text-transform:uppercase;border:1px solid var(--line);padding:10px 14px;color:var(--muted);transition:.2s}
.chip:hover{border-color:var(--gold);color:var(--gold-text)}

/* quiz */
.quiz{border:1px solid var(--line);background:var(--bg);box-shadow:0 20px 60px rgba(22,20,16,.06);max-width:760px;margin-inline:auto;padding:clamp(24px,4vw,44px)}
.qprog{display:flex;gap:6px;margin-bottom:26px}
.qprog i{flex:1;height:3px;background:var(--bg-3)}
.qprog i.on{background:var(--gold)}
.qq{font-family:var(--display);font-size:clamp(20px,2.4vw,28px);font-weight:600;line-height:1.2}
.qopts{display:grid;gap:10px;margin-top:22px}
.qopts button{text-align:left;background:var(--bg-2);border:1px solid var(--line);color:var(--text);padding:16px 18px;font:400 16px var(--body);cursor:pointer;border-radius:2px;transition:.2s}
.qopts button:hover{border-color:var(--gold);color:var(--gold-text)}
.qback{background:none;border:0;color:var(--muted);font:400 13px var(--body);letter-spacing:.14em;text-transform:uppercase;cursor:pointer;margin-top:18px;padding:0}
.result{display:grid;gap:18px}
.result .verdict{font-family:var(--display);font-size:clamp(22px,2.8vw,32px);color:var(--gold);font-weight:600;text-transform:uppercase;letter-spacing:.02em;line-height:1.15}
.result .verdict{margin:0}
.result .qtext{align-self:center;color:var(--gold-text);border-bottom:1px solid currentColor;font-size:15px}
.result .fits{display:grid;gap:10px}
.result .fits a{border:1px solid var(--line);padding:14px 16px;display:flex;justify-content:space-between;gap:12px;align-items:center;transition:.2s}
.result .fits a:hover{border-color:var(--gold)}
.result .fits a small{color:var(--muted);font-weight:300}

@media (max-width:1340px){.nav-right .phone{display:none}}
@media (max-width:1140px){.tabs{display:none}.menu-btn{display:inline-grid;place-items:center;margin-left:auto}}
@media (max-width:1040px){
  .tiles{grid-template-columns:repeat(3,1fr)}
  .cards{grid-template-columns:1fr 1fr}
  .thumbs{grid-template-columns:repeat(3,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .facts{grid-template-columns:1fr 1fr}
  .market .wrap{grid-template-columns:1fr;gap:10px}
  .rates-grid{grid-template-columns:1fr}.rates-widget{justify-self:center}
}
@media (max-width:820px){
  .hero-grid,.who-grid,.faq,.calc-body,.two-col,.team{grid-template-columns:1fr}
  .hero-art{order:-1;margin-bottom:30px}
  .hero-photo{padding-top:0}
  .hero-bg{position:relative;width:auto;height:clamp(260px,64vw,440px);margin-bottom:-56px}
  .hero-bg img{object-position:40% 45%}
  .hero-bg::after{background:linear-gradient(180deg,rgba(0,0,0,.15) 0%,rgba(0,0,0,0) 35%,rgba(0,0,0,.7) 75%,#000 100%)}
  .hero-brand{display:none}
  .hero-art img{aspect-ratio:4/3;object-position:50% 25%}
  .calc-form{border-right:0;border-bottom:1px solid var(--line)}
  .nav-right .btn{display:none}
  .cards,.steps,.connect{grid-template-columns:1fr}
  .final .split{grid-template-columns:1fr}
  .page-hero .art{display:none}
  .stats{width:100%}
}
@media (max-width:560px){
  .tiles,.thumbs{grid-template-columns:1fr 1fr}
  .connect{grid-template-columns:1fr}
  .final .split>*{min-width:0}
  .tile{min-height:196px;padding:22px 18px}
  .stats{grid-template-columns:1fr 1fr 1fr;gap:16px}
  .stat .num{font-size:30px}
  .foot-grid,.facts,.two,.person{grid-template-columns:1fr}
  .foot-brand{grid-template-columns:1fr}
  .btn{width:100%;white-space:normal;text-align:center}
  .person .row .btn{width:auto}
}
@media (prefers-reduced-motion:reduce){
  *{transition:none!important;animation:none!important}
  html{scroll-behavior:auto}
}

/* blog */
.posts .card{padding:26px 26px 22px}
.posts .card::before{display:none}
.posts .card h3{font-family:var(--display);font-weight:600;font-size:17px;line-height:1.3;text-transform:none;letter-spacing:0}
.posts .card .cat{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-text)}
.posts .card p{font-size:15px;color:var(--muted)}
.posts .card .meta{font-size:13px}
.thumb img{width:100%;height:100%;object-fit:cover;display:block}
.thumb{overflow:hidden;position:relative}
.thumb a{position:absolute;inset:0}
.article{max-width:720px;margin-inline:auto}
.article .prose{font-size:19px;gap:22px}
.article h2{font-family:var(--display);font-weight:600;text-transform:uppercase;letter-spacing:.02em;font-size:22px;margin-top:14px}
.article h3{font-size:19px;font-weight:600;margin-top:6px}
.article ul,.article ol{margin:0;padding-left:22px;display:grid;gap:8px}
.article blockquote{margin:0;padding-left:18px;border-left:2px solid var(--gold);color:var(--muted)}
.article a{color:var(--gold-text);border-bottom:1px solid currentColor}
.article .byline{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-top:14px}
.list{display:grid;gap:0;border-top:1px solid var(--line);margin-top:36px}
.list a{display:grid;grid-template-columns:150px 1fr;gap:20px;padding:22px 0;border-bottom:1px solid var(--line);align-items:start}
.list a small{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.list a b{font-family:var(--display);font-weight:600;font-size:18px;display:block}
.list a p{color:var(--muted);font-size:15px;margin-top:6px}
@media (max-width:560px){.list a{grid-template-columns:1fr}}