@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Playfair+Display:wght@500;600;700&display=swap');

:root {
  --brand-deep: #183b34;
  --brand-deeper: #102821;
  --brand: #2f8067;
  --brand-light: #63aa8d;
  --brand-pale: #eef5f1;
  --ink: #243530;
  --muted: #6e7e78;
  --line: #dbe6e0;
  --paper: #ffffff;
  --soft: #f5f8f6;
  --cream: #fbfaf7;
  --danger: #b94a52;
  --success: #2d8666;
  --shadow-soft: 0 12px 32px rgba(24, 59, 52, .08);
  --shadow-elegant: 0 24px 65px rgba(24, 59, 52, .14);
  --display: 'Playfair Display', Georgia, serif;
  --sans: 'DM Sans', Arial, sans-serif;
  --ease: cubic-bezier(.23, 1, .32, 1);
}

[data-theme='dark'] { --ink: #eef5f1; --muted: #aebeb7; --line: rgba(255,255,255,.13); --paper: #1d332d; --soft: #162a24; --cream: #13251f; }
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: var(--sans); font-size: 15px; line-height: 1.65; -webkit-font-smoothing: antialiased; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
img { max-width: 100%; display: block; }
.text-icon { display: inline-flex; align-items: center; justify-content: center; line-height: 1; font-size: 1em; font-family: var(--sans); }
.container { width: min(1180px, calc(100% - 48px)); margin-inline: auto; }
.narrow-cta { max-width: 690px; text-align: center; display: flex; flex-direction: column; align-items: center; }
.center { text-align: center; margin-inline: auto; }

/* Shared chrome */
.topline { background: var(--brand-deeper); color: rgba(255,255,255,.68); font-size: 11px; letter-spacing: .02em; }
.topline-inner { display: flex; justify-content: space-between; gap: 20px; align-items: center; min-height: 31px; }
.topline span { display: inline-flex; align-items: center; gap: 7px; }
.topline-right { color: rgba(255,255,255,.5); }
.site-header { background: var(--paper); position: relative; z-index: 20; border-bottom: 1px solid rgba(24,59,52,.07); }
.nav-wrap { min-height: 80px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; gap: 10px; align-items: center; font-size: 17px; letter-spacing: -.03em; white-space: nowrap; }
.brand strong { font-weight: 700; }
.brand-mark { width: 37px; height: 37px; border-radius: 12px; background: var(--brand-deep); color: var(--brand-light); display: inline-grid; place-items: center; }
.desktop-nav { display: flex; align-items: center; gap: 27px; margin-left: auto; }
.desktop-nav a { color: var(--muted); font-size: 13px; position: relative; transition: color .2s ease; }
.desktop-nav a:hover, .desktop-nav a.active { color: var(--brand-deep); }
.desktop-nav a.active::after { content: ''; height: 2px; background: var(--brand); border-radius: 4px; left: 0; right: 0; bottom: -11px; position: absolute; }
.nav-actions { display: flex; align-items: center; gap: 10px; }
.icon-button, .lang-switch, .menu-button { border: 0; background: transparent; color: var(--muted); display: inline-flex; align-items: center; justify-content: center; transition: color .2s ease, background .2s ease; }
.icon-button { width: 34px; height: 34px; border-radius: 10px; }
.icon-button:hover { color: var(--brand); background: var(--brand-pale); }
.lang-switch { gap: 5px; font-size: 11px; font-weight: 700; letter-spacing: .05em; padding: 8px; }
.lang-switch:hover { color: var(--brand); }
.menu-button { display: none; width: 38px; height: 38px; }
.mobile-panel { display: none; }

.button { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 0 21px; border-radius: 9px; font-size: 13px; font-weight: 700; letter-spacing: -.01em; border: 1px solid transparent; transition: transform .18s ease, box-shadow .22s ease, background .22s ease, color .22s ease; }
.button:hover { transform: translateY(-2px); }
.button:active { transform: scale(.97); }
.button-primary { background: var(--brand); color: #fff; box-shadow: 0 11px 20px rgba(47,128,103,.2); }
.button-primary:hover { background: #246c57; box-shadow: 0 16px 28px rgba(47,128,103,.28); }
.button-ghost { border-color: rgba(255,255,255,.42); color: #fff; background: rgba(255,255,255,.04); }
.button-ghost:hover { background: rgba(255,255,255,.12); }
.button-outline { border-color: var(--line); color: var(--brand-deep); background: var(--paper); }
.button-outline:hover { border-color: var(--brand-light); color: var(--brand); }
.button-light { background: #fff; color: var(--brand-deep); box-shadow: var(--shadow-soft); }
.button-light:hover { background: var(--brand-pale); }
.button-text { padding-inline: 0; min-height: 38px; color: var(--brand); background: transparent; }
.button-text:hover { color: var(--brand-deep); }
.button-small { min-height: 39px; padding-inline: 15px; font-size: 12px; }

/* Typography */
.eyebrow { display: inline-flex; align-items: center; gap: 9px; color: var(--brand); font-size: 10px; font-weight: 700; letter-spacing: .19em; }
.eyebrow::before { content: ''; width: 21px; height: 1px; background: currentColor; }
.eyebrow.light { color: #8bc6aa; }
.section-heading h2 { margin: 12px 0 12px; font: 600 clamp(31px, 4vw, 48px)/1.1 var(--display); letter-spacing: -.045em; color: var(--ink); }
.section-heading p { max-width: 560px; margin: 0; color: var(--muted); font-size: 15px; line-height: 1.75; }
.section-heading.center p { margin-inline: auto; }
.section { padding: 112px 0; }
.section-soft { background: var(--soft); }

/* Home */
.hero { position: relative; min-height: 655px; display: flex; align-items: center; overflow: hidden; color: white; background: var(--brand-deeper); }
.hero-image { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: .86; }
.hero::after { content: ''; position: absolute; inset: 0; background: radial-gradient(circle at 74% 45%, rgba(99,170,141,.19), transparent 27%); pointer-events: none; }
.hero-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr .55fr; align-items: center; min-height: 655px; }
.hero-copy { max-width: 670px; padding: 70px 0; }
.hero h1 { margin: 20px 0 23px; font: 600 clamp(47px, 6.1vw, 79px)/.99 var(--display); letter-spacing: -.06em; }
.hero h1 em { color: #8ac6aa; display: block; font-style: normal; }
.hero-copy > p { max-width: 500px; margin: 0; color: rgba(255,255,255,.72); font-size: 16px; line-height: 1.8; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.hero-note { display: flex; align-items: center; gap: 9px; margin-top: 28px; color: rgba(255,255,255,.59); font-size: 11px; }
.note-icon { color: #8ac6aa; }
.hero-aside { align-self: end; justify-self: end; padding-bottom: 83px; }
.floating-card { display: flex; align-items: flex-start; gap: 13px; padding: 16px 18px; width: 256px; border: 1px solid rgba(255,255,255,.2); background: rgba(16,40,33,.42); backdrop-filter: blur(12px); border-radius: 13px; box-shadow: 0 16px 45px rgba(0,0,0,.16); animation: drift 6s ease-in-out infinite; }
.floating-icon { width: 39px; height: 39px; display: grid; place-items: center; border-radius: 10px; color: #91cdb0; background: rgba(99,170,141,.14); }
.floating-card strong, .floating-card span { display: block; }
.floating-card strong { font-size: 12px; margin: 2px 0 4px; }
.floating-card span:last-child { color: rgba(255,255,255,.6); font-size: 10px; line-height: 1.4; }
.hero-scroll { position: absolute; z-index: 2; bottom: 25px; left: 50%; transform: translateX(-50%); display: flex; align-items: center; gap: 10px; color: rgba(255,255,255,.47); font-size: 10px; letter-spacing: .09em; text-transform: uppercase; }
.hero-scroll svg { transform: rotate(90deg); }
.trust-strip { background: var(--brand); color: white; }
.trust-items { display: grid; grid-template-columns: repeat(4, 1fr); min-height: 95px; align-items: center; }
.trust-items > div { display: flex; align-items: center; gap: 14px; border-right: 1px solid rgba(255,255,255,.19); padding-left: 27px; }
.trust-items > div:first-child { padding-left: 0; }
.trust-items > div:last-child { border-right: 0; }
.trust-items strong { font: 600 22px var(--display); color: rgba(255,255,255,.47); }
.trust-items span { font-size: 12px; }
.intro-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 100px; align-items: center; }
.intro-visual { position: relative; padding-right: 40px; }
.image-frame { position: relative; border-radius: 15px; overflow: hidden; box-shadow: var(--shadow-elegant); }
.image-frame::after { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 50%, rgba(16,40,33,.7)); }
.image-frame img { width: 100%; aspect-ratio: .82; object-fit: cover; }
.image-caption { position: absolute; z-index: 1; bottom: 22px; left: 22px; display: flex; gap: 9px; align-items: center; color: #fff; font-size: 11px; }
.caption-dot { width: 7px; height: 7px; border-radius: 99px; background: #8ac6aa; box-shadow: 0 0 0 5px rgba(138,198,170,.18); }
.vertical-label { position: absolute; right: 0; top: 15%; writing-mode: vertical-rl; transform: rotate(180deg); color: var(--muted); font-size: 9px; letter-spacing: .22em; }
.intro-copy .section-heading h2 { max-width: 460px; }
.signature-row { display: flex; gap: 13px; align-items: center; margin: 34px 0 12px; padding-top: 25px; border-top: 1px solid var(--line); }
.signature-mark { width: 38px; height: 38px; border: 1px solid var(--brand-light); color: var(--brand); display: grid; place-items: center; font: 600 17px var(--display); border-radius: 50%; }
.signature-mark span { color: var(--brand-light); }
.signature-row strong { font-size: 12px; }
.signature-row p { color: var(--muted); margin: 2px 0 0; font-size: 11px; }
.product-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 48px; }
.product-card, .solution-card { background: var(--paper); border: 1px solid var(--line); border-radius: 14px; padding: 29px; transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s ease; }
.product-card:hover, .solution-card:hover { transform: translateY(-6px); border-color: rgba(99,170,141,.55); box-shadow: var(--shadow-elegant); }
.card-icon { color: var(--brand); background: var(--brand-pale); border-radius: 11px; width: 48px; height: 48px; display: grid; place-items: center; }
.product-card h3, .solution-card h3 { margin: 22px 0 8px; font: 600 22px var(--display); letter-spacing: -.035em; }
.product-card p, .solution-card p { margin: 0; color: var(--muted); font-size: 13px; line-height: 1.75; }
.product-card a, .solution-card a { display: inline-flex; align-items: center; gap: 9px; margin-top: 24px; color: var(--brand); font-size: 11px; font-weight: 700; }
.product-card a:hover, .solution-card a:hover { color: var(--brand-deep); }
.center-action { text-align: center; margin-top: 38px; }
.process-grid { display: grid; grid-template-columns: .86fr 1.14fr; gap: 100px; align-items: start; }
.steps { border-top: 1px solid var(--line); }
.step { display: grid; grid-template-columns: 55px 1fr; gap: 22px; padding: 28px 0; border-bottom: 1px solid var(--line); }
.step > span { color: var(--brand-light); font: 600 18px var(--display); }
.step h3 { margin: 0 0 5px; font-size: 16px; }
.step p { color: var(--muted); font-size: 13px; margin: 0; }
.quote-section { color: #fff; background: var(--brand-deep); }
.quote-grid { display: grid; grid-template-columns: .18fr 1.2fr .55fr; gap: 42px; align-items: start; }
.quote-symbol { color: var(--brand-light); opacity: .8; }
.quote-grid blockquote { margin: 0; max-width: 650px; font: 500 clamp(28px, 4vw, 46px)/1.2 var(--display); letter-spacing: -.045em; }
.quote-grid cite { display: block; color: #8ac6aa; font: 500 12px var(--sans); letter-spacing: .05em; margin-top: 25px; }
.quote-side { border-left: 1px solid rgba(255,255,255,.19); padding-left: 25px; }
.quote-side p { color: rgba(255,255,255,.64); font-size: 13px; line-height: 1.75; margin-top: 14px; }
.cta-section { padding: 0 0 112px; background: var(--paper); }
.cta-box { border-radius: 15px; background: linear-gradient(135deg, #285f50, #183b34); color: white; padding: 58px 65px; display: flex; align-items: center; justify-content: space-between; gap: 35px; overflow: hidden; position: relative; }
.cta-box::after { content: ''; position: absolute; width: 420px; height: 420px; border: 1px solid rgba(255,255,255,.1); border-radius: 50%; right: -110px; top: -200px; box-shadow: 0 0 0 40px rgba(255,255,255,.025), 0 0 0 80px rgba(255,255,255,.02); }
.cta-box > * { position: relative; z-index: 1; }
.cta-box h2 { font: 600 clamp(29px, 4vw, 43px)/1.1 var(--display); letter-spacing: -.04em; margin: 12px 0 10px; }
.cta-box p { margin: 0; color: rgba(255,255,255,.65); }

/* Inner pages */
.page-hero { min-height: 390px; position: relative; display: flex; align-items: end; color: #fff; overflow: hidden; background: linear-gradient(90deg, rgba(16,40,33,.96), rgba(16,40,33,.77)), var(--hero-image) center/cover; }
.page-hero::after { content: ''; position: absolute; inset: 0; background: radial-gradient(circle at 75% 50%, rgba(99,170,141,.2), transparent 32%); }
.page-hero-content { position: relative; z-index: 1; padding: 75px 0 76px; }
.page-hero h1 { max-width: 800px; margin: 17px 0 17px; font: 600 clamp(43px, 5.5vw, 70px)/1.04 var(--display); letter-spacing: -.06em; }
.page-hero p { max-width: 565px; color: rgba(255,255,255,.68); margin: 0; font-size: 16px; }
.solutions-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 45px; }
.solution-card { padding: 27px; }
.solution-top { display: flex; justify-content: space-between; align-items: start; }
.solution-index { color: var(--muted); font: 500 13px var(--display); }
.solution-meta { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 25px; padding-top: 17px; border-top: 1px solid var(--line); }
.solution-meta small, .solution-meta strong { display: block; }
.solution-meta small { font-size: 10px; color: var(--muted); }
.solution-meta strong { font-size: 11px; margin-top: 4px; color: var(--brand-deep); }
[data-theme='dark'] .solution-meta strong, [data-theme='dark'] .desktop-nav a:hover, [data-theme='dark'] .desktop-nav a.active { color: var(--brand-light); }
.reassurance-grid { display: grid; grid-template-columns: .25fr 1fr .8fr; gap: 45px; align-items: start; }
.reassurance-mark { color: var(--brand-light); padding-top: 7px; }
.reassurance-points { padding-top: 4px; }
.reassurance-points p { display: flex; align-items: center; gap: 10px; font-size: 12px; margin: 0 0 16px; }
.reassurance-points svg { color: var(--brand); flex: 0 0 auto; }

/* Calculator */
.calculator-layout { display: grid; grid-template-columns: .74fr 1.26fr; gap: 24px; align-items: start; }
.calculator-panel { background: var(--brand-deep); border-radius: 14px; color: white; padding: 35px 33px; box-shadow: var(--shadow-elegant); }
.panel-heading h2 { font: 600 31px/1.12 var(--display); letter-spacing: -.04em; margin: 14px 0 38px; }
.field-group { margin-top: 27px; }
.field-label { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 11px; }
.field-label label { font-size: 12px; color: rgba(255,255,255,.7); }
.field-label output { color: #9bd0b5; font-size: 13px; font-weight: 700; }
.number-input { width: 100%; min-height: 48px; border: 1px solid rgba(255,255,255,.28); background: rgba(255,255,255,.08); border-radius: 8px; padding: 0 14px; color: white; outline: none; }
.number-input:focus { border-color: #8ac6aa; box-shadow: 0 0 0 3px rgba(138,198,170,.16); }
.calculator-panel select.number-input { margin-top: 0; }
.calculator-panel input[type='number'].number-input { margin-top: 0; }
.calculator-panel input[type='number']::-webkit-inner-spin-button,
.calculator-panel input[type='number']::-webkit-outer-spin-button { opacity: 1; }
#continue-request:disabled { cursor: not-allowed; opacity: .5; box-shadow: none; transform: none; }
.simulation-required { margin: 0 0 22px; }
.home-simulation-cta { padding-top: 0; }
.home-simulation-cta .cta-box { margin-block: 0; }
.hero-actions .button-primary { min-width: 210px; }
.calculator-note { display: flex; gap: 9px; color: rgba(255,255,255,.48); font-size: 10px; line-height: 1.5; border-top: 1px solid rgba(255,255,255,.15); margin-top: 34px; padding-top: 18px; }
.calculator-note svg { color: #8ac6aa; flex: 0 0 auto; }
.result-cards { display: grid; grid-template-columns: 1.25fr 1fr 1fr; gap: 12px; }
.result-card { background: var(--soft); border: 1px solid var(--line); border-radius: 12px; min-height: 126px; padding: 20px 18px; }
.result-card.featured { background: var(--brand-pale); border-color: rgba(99,170,141,.5); }
.simulator-results { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.simulator-results .result-card.featured { grid-column: 1 / -1; }
.fee-result { background: var(--cream); }
.fee-result strong { font-size: 24px; }
.result-card span, .result-card small { display: block; color: var(--muted); font-size: 10px; }
.result-card strong { display: block; color: var(--brand-deep); font: 600 25px var(--display); margin: 10px 0 3px; letter-spacing: -.04em; }
.result-card.featured strong { color: var(--brand); font-size: 32px; }
.result-card small { font-size: 9px; }
.amortization-card { background: var(--paper); border: 1px solid var(--line); border-radius: 12px; margin-top: 18px; overflow: hidden; }
.table-heading { padding: 22px 23px 17px; display: flex; justify-content: space-between; align-items: center; }
.table-heading h3 { margin: 8px 0 0; font: 600 21px var(--display); letter-spacing: -.03em; }
.table-badge { color: var(--brand); background: var(--brand-pale); border-radius: 99px; padding: 6px 10px; font-size: 10px; font-weight: 700; }
.table-scroll { overflow: auto; max-height: 415px; }
table { width: 100%; border-collapse: collapse; font-size: 11px; }
th { text-align: left; color: var(--muted); background: var(--soft); font-size: 10px; font-weight: 600; padding: 12px 15px; position: sticky; top: 0; }
td { padding: 11px 15px; border-top: 1px solid var(--line); white-space: nowrap; color: var(--muted); }
td:first-child { color: var(--ink); font-weight: 700; }
.simulator-bottom { display: flex; align-items: center; justify-content: space-between; gap: 35px; }
.simulator-bottom .section-heading h2 { font-size: 37px; }

/* Forms */
.form-layout, .contact-layout { display: grid; grid-template-columns: .72fr 1.28fr; gap: 90px; align-items: start; }
.form-intro { position: sticky; top: 25px; }
.form-benefits { margin-top: 30px; border-top: 1px solid var(--line); padding-top: 21px; }
.form-benefits p { display: flex; gap: 9px; color: var(--muted); font-size: 12px; align-items: center; margin: 0 0 13px; }
.form-benefits svg { color: var(--brand); }
.secure-note { display: flex; gap: 11px; background: var(--brand-pale); border-radius: 9px; padding: 15px; color: var(--brand); margin-top: 28px; }
.secure-note strong, .secure-note span { display: block; }
.secure-note strong { color: var(--brand-deep); font-size: 11px; margin-bottom: 3px; }
.secure-note span { color: var(--muted); font-size: 10px; line-height: 1.5; }
.form-card { background: var(--paper); border: 1px solid var(--line); border-radius: 14px; padding: 31px; box-shadow: var(--shadow-soft); }
.form-section { padding-bottom: 26px; margin-bottom: 26px; border-bottom: 1px solid var(--line); }
.form-section-title { color: var(--brand); font-size: 10px; font-weight: 700; letter-spacing: .16em; }
.form-grid { display: grid; gap: 16px; margin-top: 19px; }
.form-grid.two { grid-template-columns: 1fr 1fr; }
.form-field { display: flex; flex-direction: column; }
.form-field label { color: var(--ink); font-size: 11px; font-weight: 700; margin-bottom: 7px; }
.form-field label::first-letter { color: var(--brand); }
.form-field input, .form-field select, .form-field textarea { color: var(--ink); width: 100%; background: var(--soft); border: 1px solid var(--line); border-radius: 7px; outline: none; padding: 0 12px; min-height: 43px; transition: border-color .2s, box-shadow .2s; }
.form-field textarea { padding: 11px 12px; resize: vertical; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus { border-color: var(--brand-light); box-shadow: 0 0 0 3px rgba(99,170,141,.12); }
.form-field input::placeholder, .form-field textarea::placeholder { color: var(--muted); }
.fee-disclosure { color: var(--muted); font-size: 11px; line-height: 1.5; margin: 7px 0 0; }
.terms-checkbox { margin-bottom: 16px; }
.field-error { min-height: 0; color: var(--danger); font-size: 10px; margin-top: 3px; }
.checkbox-field { display: flex; align-items: flex-start; gap: 9px; color: var(--muted); font-size: 11px; line-height: 1.5; }
.checkbox-field input { margin-top: 3px; accent-color: var(--brand); }
.checkbox-field a { color: var(--brand); text-decoration: underline; }
.form-disclaimer { color: var(--muted); font-size: 10px; line-height: 1.6; margin: 15px 0 0; }
.form-status { min-height: 18px; margin: 17px 0 0; font-size: 11px; line-height: 1.5; }
.form-status:not(:empty) { padding: 14px 16px; border-radius: 9px; font-size: 13px; font-weight: 600; }
.form-status.success { color: var(--success); background: rgba(45,134,102,.1); border: 1px solid rgba(45,134,102,.3); }
.form-status.error { color: var(--danger); background: rgba(185,74,82,.1); border: 1px solid rgba(185,74,82,.3); }
.button-submit { width: 100%; margin-top: 18px; }
.button-submit.loading { opacity: .65; pointer-events: none; }
.button-submit.loading::before { content: ''; width: 13px; height: 13px; border: 2px solid rgba(255,255,255,.4); border-top-color: white; border-radius: 50%; animation: spin .65s linear infinite; }
.honeypot { position: absolute; left: -9999px; opacity: 0; height: 0; }
.contact-layout { grid-template-columns: .78fr 1.22fr; }
.contact-info .section-heading p { max-width: 400px; }
.contact-list { margin-top: 38px; border-top: 1px solid var(--line); }
.contact-list > a, .contact-list > div { display: flex; align-items: center; gap: 14px; padding: 17px 0; border-bottom: 1px solid var(--line); }
.contact-list > a > span, .contact-list > div > span { color: var(--brand); width: 38px; height: 38px; display: grid; place-items: center; background: var(--brand-pale); border-radius: 9px; }
.contact-list small, .contact-list strong { display: block; }
.contact-list small { color: var(--muted); font-size: 10px; }
.contact-list strong { font-size: 12px; margin-top: 2px; }
.contact-phone-number { display: block; font-size: 12px; font-weight: 700; margin-top: 2px; }
.contact-channel-links { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 7px; }
.contact-channel-links a { color: var(--brand); font-size: 12px; font-weight: 700; text-decoration: underline; text-underline-offset: 2px; }
.contact-form .form-field { margin-top: 16px; }
.contact-form .form-section-title { display: block; margin-bottom: 3px; }
.contact-form .checkbox-field { margin-top: 18px; }
.faq-callout { display: flex; align-items: center; gap: 18px; padding: 23px 27px; border: 1px solid var(--line); background: var(--paper); border-radius: 13px; }
.faq-callout > div:nth-child(2) { flex: 1; }
.faq-callout h3 { font: 600 22px var(--display); margin: 0 0 3px; }
.faq-callout p { color: var(--muted); font-size: 12px; margin: 0; }

/* Confirmation page */
.confirmation-card { text-align: center; padding: 52px 44px; }
.confirmation-icon { width: 62px; height: 62px; border-radius: 50%; margin: 0 auto 22px; color: var(--success); background: rgba(45,134,102,.12); }
.confirmation-card h2 { margin: 0 0 12px; font: 600 27px var(--display); letter-spacing: -.04em; }
.confirmation-card > p { color: var(--muted); font-size: 14px; max-width: 480px; margin-inline: auto; }
.confirmation-card > .confirmation-followup { color: var(--brand); font-weight: 700; }
.confirmation-summary { text-align: left; margin: 30px 0; }
.confirmation-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-top: 30px; }
.footer-legal-links { display: flex; gap: 18px; flex-wrap: wrap; }

/* About / FAQ / legal */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 105px; align-items: start; }
.about-quote { border-top: 1px solid var(--line); padding-top: 22px; }
.quote-number { color: var(--brand-light); font: 600 18px var(--display); }
.about-quote blockquote { margin: 33px 0 0; font: 500 clamp(28px, 4vw, 43px)/1.22 var(--display); letter-spacing: -.05em; }
.values-grid { display: grid; grid-template-columns: .67fr 1.33fr; gap: 75px; }
.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.values article { border-top: 2px solid var(--brand-light); padding-top: 18px; }
.values article > span { color: var(--brand); }
.values h3 { font: 600 18px/1.2 var(--display); margin: 20px 0 10px; }
.values p { font-size: 12px; color: var(--muted); margin: 0; line-height: 1.7; }
.image-story { background: var(--cream); }
.image-story-inner { position: relative; min-height: 445px; display: flex; align-items: center; }
.image-story img { width: 61%; height: 430px; object-fit: cover; border-radius: 14px; box-shadow: var(--shadow-elegant); }
.story-card { position: absolute; right: 0; width: 47%; background: var(--brand-deep); color: #fff; padding: 45px 47px; border-radius: 13px; box-shadow: var(--shadow-elegant); }
.story-card h2 { font: 600 36px/1.1 var(--display); letter-spacing: -.045em; margin: 15px 0; }
.story-card p { color: rgba(255,255,255,.65); font-size: 13px; line-height: 1.75; margin: 0; }
.faq-layout { display: grid; grid-template-columns: .63fr 1.37fr; gap: 80px; }
.faq-aside { position: sticky; top: 25px; }
.faq-big { display: grid; place-items: center; width: 69px; height: 69px; border-radius: 50%; background: var(--brand-pale); color: var(--brand); font: 600 38px var(--display); margin-bottom: 30px; }
.faq-aside .section-heading h2 { font-size: 35px; }
.faq-list { border-top: 1px solid var(--line); }
details { border-bottom: 1px solid var(--line); padding: 0; }
details summary { list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 23px 0; cursor: pointer; font-size: 15px; font-weight: 600; }
details summary::-webkit-details-marker { display: none; }
details summary b { width: 24px; height: 24px; border: 1px solid var(--line); display: grid; place-items: center; border-radius: 50%; color: var(--brand); font-weight: 400; transition: transform .2s ease; }
details[open] summary b { transform: rotate(45deg); }
details p { color: var(--muted); font-size: 13px; max-width: 610px; margin: -4px 43px 24px 0; }
.legal-section { padding-top: 86px; }
.legal-layout { display: grid; grid-template-columns: .35fr 1fr; gap: 90px; max-width: 970px; }
.legal-nav { display: flex; flex-direction: column; gap: 12px; align-self: start; position: sticky; top: 25px; }
.legal-nav a { color: var(--muted); font-size: 12px; }
.legal-nav a:hover { color: var(--brand); }
.legal-content section { padding-bottom: 26px; margin-bottom: 27px; border-bottom: 1px solid var(--line); }
.legal-content h2 { font: 600 25px var(--display); margin: 0 0 9px; letter-spacing: -.04em; }
.legal-content p { color: var(--muted); font-size: 13px; line-height: 1.8; margin: 0; }
.legal-updated { font-size: 11px !important; font-style: italic; }

/* Footer & motion */
.site-footer { background: var(--brand-deeper); color: white; padding: 75px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.6fr .7fr 1fr; gap: 90px; padding-bottom: 58px; }
.footer-brand .brand { color: white; }
.footer-brand p { max-width: 290px; color: rgba(255,255,255,.52); font-size: 12px; line-height: 1.75; margin: 18px 0; }
.footer-trust { display: flex; align-items: center; gap: 8px; color: #88c5a7; font-size: 10px; }
.site-footer h3 { margin: 3px 0 18px; color: rgba(255,255,255,.42); font-size: 10px; letter-spacing: .16em; text-transform: uppercase; }
.site-footer > .container > div:not(.footer-brand) a, .footer-grid > div:not(.footer-brand) a { display: flex; align-items: center; gap: 7px; color: rgba(255,255,255,.68); font-size: 12px; margin: 0 0 12px; }
.footer-contact-actions { margin-top: 16px; padding-top: 14px; border-top: 1px solid rgba(255,255,255,.12); }
.footer-grid a:hover, .footer-bottom a:hover { color: #9bd0b5 !important; }
.footer-bottom { min-height: 67px; display: flex; align-items: center; justify-content: space-between; gap: 20px; border-top: 1px solid rgba(255,255,255,.12); color: rgba(255,255,255,.37); font-size: 10px; }
.footer-bottom div { display: flex; gap: 18px; }
.footer-bottom a { color: rgba(255,255,255,.55); }
@keyframes drift { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }
@keyframes spin { to { transform: rotate(360deg); } }
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; scroll-behavior: auto !important; transition-duration: .01ms !important; } }

@media (max-width: 980px) {
  .desktop-nav { gap: 15px; }
  .nav-cta { display: none; }
  .hero-inner { grid-template-columns: 1fr .3fr; }
  .intro-grid, .process-grid, .form-layout, .contact-layout, .about-grid { gap: 52px; }
  .calculator-layout { grid-template-columns: 1fr; }
  .calculator-panel { max-width: none; }
  .footer-grid { gap: 45px; }
}
@media (max-width: 720px) {
  .container { width: min(100% - 32px, 550px); }
  .topline-right { display: none !important; }
  .topline-inner { min-height: 30px; }
  .nav-wrap { min-height: 69px; }
  .desktop-nav, .nav-actions .icon-button { display: none; }
  .menu-button { display: inline-flex; }
  .mobile-panel { display: block; position: absolute; top: 100%; left: 0; right: 0; background: var(--paper); border-top: 1px solid var(--line); box-shadow: var(--shadow-elegant); max-height: 0; overflow: hidden; transition: max-height .35s var(--ease); }
  .mobile-panel.open { max-height: 470px; }
  .mobile-panel nav { padding: 9px 16px 17px; }
  .mobile-panel a { display: flex; justify-content: space-between; align-items: center; padding: 13px 0; border-bottom: 1px solid var(--line); font-size: 13px; }
  .mobile-panel a span { color: var(--brand); }
  .mobile-panel .mobile-cta { color: var(--brand); font-weight: 700; border: 0; padding-bottom: 6px; }
  .section { padding: 75px 0; }
  .hero, .hero-inner { min-height: 690px; }
  .hero-inner { display: block; }
  .hero-copy { padding-top: 87px; }
  .hero h1 { font-size: clamp(45px, 13vw, 67px); }
  .hero-copy > p { font-size: 14px; }
  .hero-aside { display: none; }
  .hero-scroll { display: none; }
  .trust-items { grid-template-columns: 1fr 1fr; padding: 17px 0; row-gap: 17px; }
  .trust-items > div { padding-left: 15px; min-height: 25px; }
  .trust-items > div:nth-child(odd) { padding-left: 0; }
  .trust-items > div:nth-child(2) { border-right: 0; }
  .trust-items > div:nth-child(3), .trust-items > div:nth-child(4) { border-top: 1px solid rgba(255,255,255,.19); padding-top: 17px; }
  .intro-grid, .process-grid, .form-layout, .contact-layout, .about-grid, .values-grid, .faq-layout, .legal-layout { grid-template-columns: 1fr; gap: 44px; }
  .intro-visual { padding-right: 24px; }
  .vertical-label { right: -1px; }
  .product-grid, .solutions-grid { grid-template-columns: 1fr; margin-top: 33px; }
  .quote-grid { grid-template-columns: 1fr; gap: 22px; }
  .quote-side { border-left: 0; border-top: 1px solid rgba(255,255,255,.19); padding: 22px 0 0; }
  .cta-box { padding: 36px 28px; align-items: start; flex-direction: column; }
  .page-hero { min-height: 380px; }
  .page-hero-content { padding: 65px 0 54px; }
  .page-hero h1 { font-size: clamp(42px, 12vw, 59px); }
  .reassurance-grid { grid-template-columns: 1fr; gap: 20px; }
  .result-cards, .simulator-results { grid-template-columns: 1fr; }
  .simulator-results .result-card.featured { grid-column: auto; }
  .result-card { min-height: auto; }
  .form-grid.two { grid-template-columns: 1fr; }
  .form-card { padding: 22px 18px; }
  .form-intro { position: static; }
  .simulator-bottom { align-items: start; flex-direction: column; }
  .values { grid-template-columns: 1fr; gap: 28px; }
  .image-story-inner { min-height: 0; display: block; }
  .image-story img { width: 100%; height: 290px; }
  .story-card { position: static; width: 100%; margin-top: -35px; margin-left: 16px; width: calc(100% - 32px); padding: 31px 27px; }
  .story-card h2 { font-size: 30px; }
  .faq-aside, .legal-nav { position: static; }
  .legal-nav { display: grid; grid-template-columns: 1fr 1fr; gap: 9px 20px; }
  .legal-nav .eyebrow { grid-column: 1 / -1; }
  .faq-callout { align-items: start; flex-wrap: wrap; padding: 20px; }
  .faq-callout > div:nth-child(2) { min-width: calc(100% - 70px); }
  .faq-callout .button { margin-left: 66px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 35px 20px; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom { align-items: start; flex-direction: column; padding: 20px 0; gap: 9px; }
  .footer-bottom div { flex-wrap: wrap; gap: 12px; }
}


/* Accessibility/readability pass: body copy enlarged while display headings stay unchanged. */
body { font-size: 16px; }
.topline { font-size: 12px; }
.desktop-nav a { font-size: 14px; }
.lang-switch { font-size: 12px; }
.button { font-size: 14px; }
.button-small { font-size: 13px; }
.section-heading p { font-size: 16px; }
.hero-copy > p { font-size: 17px; }
.hero-note { font-size: 13px; }
.floating-card strong { font-size: 13px; }
.floating-card span:last-child { font-size: 12px; }
.hero-scroll { font-size: 11px; }
.trust-items span { font-size: 13px; }
.image-caption { font-size: 13px; }
.signature-row strong { font-size: 13px; }
.signature-row p { font-size: 12px; }
.product-card p, .solution-card p { font-size: 15px; }
.product-card a, .solution-card a { font-size: 13px; }
.step p { font-size: 15px; }
.quote-side p { font-size: 15px; }
.cta-box p { font-size: 16px; }
.page-hero p { font-size: 17px; }
.solution-meta small { font-size: 12px; }
.solution-meta strong { font-size: 13px; }
.reassurance-points p { font-size: 14px; }
.field-label label { font-size: 14px; }
.field-label output { font-size: 14px; }
.form-field label { font-size: 14px; }
.form-field input, .form-field select, .form-field textarea { font-size: 16px; }
.form-disclaimer, .form-status { font-size: 14px; }
.footer-copy, .footer-links a, .footer-contact a { font-size: 14px; }

@media (max-width: 700px) {
  body { font-size: 16px; }
  .hero-copy > p, .page-hero p { font-size: 16px; }
  .product-card p, .solution-card p, .step p, .quote-side p { font-size: 15px; }
}