@import url('https://fonts.googleapis.com/css2?family=Cinzel:wght@400;600;900&family=Crimson+Pro:ital,wght@0,300;0,400;0,600;1,300;1,400&display=swap');

:root {
  --gold:#c9961a;--gold-light:#e8b84b;--gold-dark:#8a6410;--gold-pale:#fdf3dc;
  --blue:#1a3a6b;--blue-mid:#1e4d8c;--blue-light:#2563b0;--blue-pale:#e8f0fb;
  --white:#ffffff;--off-white:#f7f9fc;--text:#1a2740;--text-mid:#3d5275;
  --muted:#8a9bb8;--border:rgba(26,58,107,0.12);--border-gold:rgba(201,150,26,0.3);
  --shadow:0 4px 24px rgba(26,58,107,0.1);--shadow-lg:0 12px 48px rgba(26,58,107,0.16);
  --radius:16px;
}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box;-webkit-tap-highlight-color:transparent;}
html{scroll-behavior:smooth;font-size:16px;}
body{background:var(--white);color:var(--text);font-family:'Crimson Pro',serif;font-weight:400;line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased;}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(255,255,255,0.97);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border-bottom:1px solid var(--border);box-shadow:0 2px 20px rgba(26,58,107,0.08);height:64px;display:flex;align-items:center;justify-content:space-between;padding:0 32px;}
.nav-logo{font-family:'Cinzel',serif;font-size:16px;font-weight:900;color:var(--blue);letter-spacing:1px;white-space:nowrap;}
.nav-logo span{color:var(--gold);}
.nav-links{display:flex;align-items:center;gap:28px;list-style:none;}
.nav-links a{font-family:'Cinzel',serif;font-size:10px;letter-spacing:2px;text-transform:uppercase;color:var(--text-mid);position:relative;padding-bottom:3px;transition:color 0.2s;white-space:nowrap;}
.nav-links a::after{content:'';position:absolute;bottom:0;left:0;width:0;height:2px;background:var(--gold);transition:width 0.3s;}
.nav-links a:hover,.nav-links a.active{color:var(--blue);}
.nav-links a:hover::after,.nav-links a.active::after{width:100%;}
.nav-cta{font-family:'Cinzel',serif;font-size:10px;letter-spacing:2px;text-transform:uppercase;background:var(--gold);color:var(--white)!important;padding:10px 20px;border-radius:4px;transition:background 0.2s!important;white-space:nowrap;}
.nav-cta::after{display:none!important;}
.nav-cta:hover{background:var(--gold-dark)!important;}
.nav-hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px;background:none;border:none;z-index:1100;}
.nav-hamburger span{display:block;width:24px;height:2px;background:var(--blue);border-radius:2px;transition:all 0.3s;}
.nav-hamburger.open span:nth-child(1){transform:rotate(45deg) translate(5px,5px);}
.nav-hamburger.open span:nth-child(2){opacity:0;}
.nav-hamburger.open span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px);}
.nav-mobile{display:none;position:fixed;inset:0;background:var(--white);z-index:999;flex-direction:column;align-items:center;justify-content:center;gap:0;padding:80px 30px 40px;overflow-y:auto;}
.nav-mobile.open{display:flex;}
.nav-mobile a{font-family:'Cinzel',serif;font-size:18px;font-weight:600;letter-spacing:3px;text-transform:uppercase;color:var(--blue);padding:18px 0;width:100%;text-align:center;border-bottom:1px solid var(--border);transition:color 0.2s;}
.nav-mobile a:hover,.nav-mobile a.active{color:var(--gold);}
.nav-mobile-cta{margin-top:20px;background:var(--gold)!important;color:var(--white)!important;border-radius:8px!important;border:none!important;padding:18px 0!important;}

/* HERO */
.hero{min-height:100svh;background:linear-gradient(150deg,var(--blue) 0%,var(--blue-mid) 55%,#0f2952 100%);display:flex;flex-direction:column;justify-content:center;position:relative;overflow:hidden;padding:90px 24px 60px;}
.hero::before{content:'';position:absolute;inset:0;background-image:radial-gradient(2px 2px at 10% 20%,rgba(201,150,26,0.5) 0%,transparent 100%),radial-gradient(1px 1px at 30% 55%,rgba(255,255,255,0.3) 0%,transparent 100%),radial-gradient(2px 2px at 55% 10%,rgba(201,150,26,0.35) 0%,transparent 100%),radial-gradient(1px 1px at 75% 40%,rgba(255,255,255,0.2) 0%,transparent 100%),radial-gradient(2px 2px at 85% 70%,rgba(201,150,26,0.25) 0%,transparent 100%),radial-gradient(1px 1px at 20% 85%,rgba(255,255,255,0.2) 0%,transparent 100%),radial-gradient(2px 2px at 92% 25%,rgba(255,255,255,0.25) 0%,transparent 100%);pointer-events:none;z-index:0;}
.hero::after{content:'';position:absolute;bottom:-1px;left:0;right:0;height:60px;background:linear-gradient(to bottom,transparent,var(--white));z-index:1;pointer-events:none;}
.hero-content{position:relative;z-index:2;max-width:680px;margin:0 auto;width:100%;text-align:center;}
.hero-tag{font-family:'Cinzel',serif;font-size:10px;letter-spacing:5px;text-transform:uppercase;color:var(--gold-light);margin-bottom:18px;display:flex;align-items:center;justify-content:center;gap:12px;}
.hero-tag::before,.hero-tag::after{content:'';width:24px;height:1px;background:var(--gold);}
.hero h1{font-family:'Cinzel',serif;font-size:clamp(28px,8vw,66px);font-weight:900;color:var(--white);line-height:1.1;margin-bottom:12px;letter-spacing:1px;}
.hero h1 .gold{color:var(--gold-light);}
.hero-sub{font-family:'Crimson Pro',serif;font-size:clamp(15px,4vw,21px);font-style:italic;color:rgba(255,255,255,0.65);margin-bottom:18px;}
.hero-desc{font-size:clamp(14px,3.5vw,17px);color:rgba(255,255,255,0.55);line-height:1.8;margin-bottom:32px;max-width:500px;margin-left:auto;margin-right:auto;}
.hero-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-bottom:40px;}
.hero-card{background:rgba(255,255,255,0.08);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,0.15);border-radius:20px;padding:24px 20px;max-width:420px;margin:0 auto;position:relative;overflow:hidden;}
.hero-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,transparent,var(--gold),transparent);}
.hero-card-initial{width:68px;height:68px;border-radius:50%;background:linear-gradient(135deg,var(--gold-dark),var(--gold));display:flex;align-items:center;justify-content:center;font-family:'Cinzel',serif;font-size:24px;font-weight:900;color:var(--white);margin:0 auto 14px;border:3px solid rgba(255,255,255,0.2);}
.hero-card-name{font-family:'Cinzel',serif;font-size:18px;font-weight:900;color:var(--white);text-align:center;margin-bottom:4px;}
.hero-card-title{font-family:'Cinzel',serif;font-size:9px;letter-spacing:3px;text-transform:uppercase;color:var(--gold-light);text-align:center;margin-bottom:18px;}
.hero-card-divider{height:1px;background:linear-gradient(90deg,transparent,rgba(255,255,255,0.2),transparent);margin-bottom:16px;}
.hero-contact-item{display:flex;align-items:center;gap:12px;margin-bottom:10px;padding:11px 13px;background:rgba(255,255,255,0.07);border-radius:10px;border:1px solid rgba(255,255,255,0.1);transition:background 0.2s;}
.hero-contact-item:hover,.hero-contact-item:active{background:rgba(255,255,255,0.13);}
.hero-contact-icon{font-size:16px;flex-shrink:0;}
.hero-contact-label{font-family:'Cinzel',serif;font-size:8px;letter-spacing:2px;text-transform:uppercase;color:var(--gold-light);margin-bottom:2px;}
.hero-contact-value{font-size:13px;color:var(--white);}

/* STATS */
.stats-bar{background:var(--white);border-top:3px solid var(--gold);padding:28px 24px;display:flex;justify-content:center;gap:12px;flex-wrap:wrap;box-shadow:var(--shadow);}
.stat{text-align:center;min-width:60px;flex:1;}
.stat-num{font-family:'Cinzel',serif;font-size:clamp(22px,6vw,38px);font-weight:900;color:var(--blue);line-height:1;}
.stat-num span{color:var(--gold);}
.stat-label{font-family:'Cinzel',serif;font-size:8px;letter-spacing:2px;text-transform:uppercase;color:var(--muted);margin-top:5px;}

/* AVAIL */
.avail-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(39,174,96,0.1);border:1px solid rgba(39,174,96,0.3);border-radius:100px;padding:8px 18px;font-family:'Cinzel',serif;font-size:9px;letter-spacing:2px;text-transform:uppercase;color:#3dba75;}
.avail-dot{width:7px;height:7px;border-radius:50%;background:#3dba75;animation:pulse 2s infinite;flex-shrink:0;}

/* BUTTONS */
.btn-gold{font-family:'Cinzel',serif;font-size:10px;letter-spacing:2px;text-transform:uppercase;background:var(--gold);color:var(--white);padding:14px 28px;border-radius:6px;font-weight:600;transition:background 0.2s,transform 0.2s,box-shadow 0.2s;display:inline-flex;align-items:center;justify-content:center;border:none;cursor:pointer;min-height:48px;white-space:nowrap;}
.btn-gold:hover,.btn-gold:active{background:var(--gold-dark);box-shadow:0 6px 20px rgba(201,150,26,0.3);transform:translateY(-1px);}
.btn-outline-white{font-family:'Cinzel',serif;font-size:10px;letter-spacing:2px;text-transform:uppercase;border:1px solid rgba(255,255,255,0.4);color:var(--white);padding:14px 28px;border-radius:6px;transition:border-color 0.2s,color 0.2s;display:inline-flex;align-items:center;justify-content:center;min-height:48px;white-space:nowrap;}
.btn-outline-white:hover,.btn-outline-white:active{border-color:var(--gold-light);color:var(--gold-light);}
.btn-blue{font-family:'Cinzel',serif;font-size:10px;letter-spacing:2px;text-transform:uppercase;background:var(--blue);color:var(--white);padding:14px 28px;border-radius:6px;font-weight:600;transition:background 0.2s,transform 0.2s;display:inline-flex;align-items:center;justify-content:center;border:none;cursor:pointer;min-height:48px;white-space:nowrap;}
.btn-blue:hover,.btn-blue:active{background:var(--blue-light);transform:translateY(-1px);}
.btn-outline-blue{font-family:'Cinzel',serif;font-size:10px;letter-spacing:2px;text-transform:uppercase;border:1px solid var(--blue);color:var(--blue);padding:14px 28px;border-radius:6px;transition:background 0.2s,color 0.2s;display:inline-flex;align-items:center;justify-content:center;min-height:48px;white-space:nowrap;}
.btn-outline-blue:hover,.btn-outline-blue:active{background:var(--blue);color:var(--white);}

/* LAYOUT */
.container{max-width:1160px;margin:0 auto;padding:0 24px;}
.section{padding:72px 0;}
.section-tag{font-family:'Cinzel',serif;font-size:10px;letter-spacing:5px;text-transform:uppercase;color:var(--gold);margin-bottom:12px;display:flex;align-items:center;gap:12px;}
.section-tag::after{content:'';width:36px;height:2px;background:var(--gold);flex-shrink:0;}
.section-tag.center{justify-content:center;}
.section-tag.center::before{content:'';width:36px;height:2px;background:var(--gold);flex-shrink:0;}
.section-tag.center::after{display:block;}
.section-tag.white{color:var(--gold-light);}
.section-tag.white::after,.section-tag.white::before{background:var(--gold-light);}
.section-title{font-family:'Cinzel',serif;font-size:clamp(22px,5vw,46px);font-weight:900;color:var(--blue);line-height:1.12;margin-bottom:14px;}
.section-title .gold{color:var(--gold);}
.section-title.white{color:var(--white);}
.section-title.white .gold{color:var(--gold-light);}
.section-title.center{text-align:center;}
.section-desc{font-size:clamp(15px,3.5vw,17px);color:var(--text-mid);line-height:1.8;font-style:italic;margin-bottom:40px;}
.section-desc.white{color:rgba(255,255,255,0.65);}
.section-desc.center{text-align:center;max-width:560px;margin-left:auto;margin-right:auto;}
.divider{display:flex;align-items:center;gap:12px;margin:20px 0;}
.divider.center{justify-content:center;}
.divider-line{flex:1;height:1px;background:var(--border-gold);}
.divider-diamond{width:8px;height:8px;background:var(--gold);transform:rotate(45deg);flex-shrink:0;}

/* GRIDS */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:20px;}
.grid-aside{display:grid;grid-template-columns:1fr 2fr;gap:56px;align-items:start;}

/* CARD */
.card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:28px 24px;transition:transform 0.3s,box-shadow 0.3s,border-color 0.3s;position:relative;overflow:hidden;box-shadow:var(--shadow);}
.card::before{content:'';position:absolute;top:0;left:0;width:4px;height:0;background:linear-gradient(to bottom,var(--gold),var(--blue));transition:height 0.4s;}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--border-gold);}
.card:hover::before{height:100%;}
.card-icon{font-size:30px;margin-bottom:13px;display:block;}
.card-title{font-family:'Cinzel',serif;font-size:16px;font-weight:600;color:var(--blue);margin-bottom:10px;}
.card-desc{font-size:14px;color:var(--text-mid);line-height:1.7;font-style:italic;}
.card-arrow{margin-top:16px;font-family:'Cinzel',serif;font-size:10px;letter-spacing:2px;color:var(--gold);text-transform:uppercase;display:flex;align-items:center;gap:8px;transition:gap 0.3s;}
.card-arrow::after{content:'→';font-size:13px;}
.card:hover .card-arrow{gap:14px;}

/* PAGE HEADER */
.page-header{background:linear-gradient(135deg,var(--blue) 0%,var(--blue-mid) 100%);padding:110px 24px 65px;text-align:center;position:relative;overflow:hidden;}
.page-header::before{content:'';position:absolute;inset:0;background-image:radial-gradient(2px 2px at 20% 30%,rgba(201,150,26,0.3) 0%,transparent 100%),radial-gradient(1px 1px at 75% 60%,rgba(255,255,255,0.2) 0%,transparent 100%),radial-gradient(2px 2px at 50% 80%,rgba(201,150,26,0.2) 0%,transparent 100%);pointer-events:none;}
.page-header::after{content:'';position:absolute;bottom:-1px;left:0;right:0;height:50px;background:linear-gradient(to bottom,transparent,var(--white));pointer-events:none;}
.page-header-tag{font-family:'Cinzel',serif;font-size:10px;letter-spacing:5px;text-transform:uppercase;color:var(--gold-light);margin-bottom:12px;position:relative;z-index:1;}
.page-header h1{font-family:'Cinzel',serif;font-size:clamp(26px,7vw,56px);font-weight:900;color:var(--white);margin-bottom:12px;position:relative;z-index:1;line-height:1.1;}
.page-header h1 .gold{color:var(--gold-light);}
.page-header-desc{font-size:clamp(14px,3.5vw,17px);color:rgba(255,255,255,0.6);font-style:italic;max-width:520px;margin:0 auto;position:relative;z-index:1;line-height:1.7;}

/* PROCESS */
.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;position:relative;}
.process-steps::before{content:'';position:absolute;top:40px;left:calc(12.5% + 18px);right:calc(12.5% + 18px);height:2px;background:linear-gradient(90deg,var(--gold),rgba(201,150,26,0.2),var(--gold));}
.step{padding:0 10px;text-align:center;}
.step-circle{width:80px;height:80px;border-radius:50%;background:var(--white);border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;font-family:'Cinzel',serif;font-size:22px;font-weight:900;color:var(--gold);margin:0 auto 18px;position:relative;z-index:1;transition:all 0.3s;box-shadow:var(--shadow);}
.step:hover .step-circle{background:var(--gold);color:var(--white);transform:scale(1.08);}
.step-title{font-family:'Cinzel',serif;font-size:13px;font-weight:600;color:var(--white);margin-bottom:8px;}
.step-desc{font-size:13px;color:rgba(255,255,255,0.6);line-height:1.7;font-style:italic;}

/* TESTIMONIALS */
.testimonial-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius);padding:28px 24px;position:relative;overflow:hidden;transition:transform 0.3s,box-shadow 0.3s;box-shadow:var(--shadow);}
.testimonial-card::before{content:'"';position:absolute;top:8px;right:18px;font-family:'Cinzel',serif;font-size:80px;color:rgba(201,150,26,0.07);line-height:1;}
.testimonial-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);}
.t-stars{font-size:13px;color:var(--gold);letter-spacing:3px;margin-bottom:12px;}
.t-text{font-size:15px;color:var(--text-mid);line-height:1.8;font-style:italic;margin-bottom:18px;}
.t-author{display:flex;align-items:center;gap:12px;border-top:1px solid var(--border);padding-top:16px;}
.t-avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--blue-light));display:flex;align-items:center;justify-content:center;font-family:'Cinzel',serif;font-size:14px;font-weight:700;color:var(--white);flex-shrink:0;}
.t-name{font-family:'Cinzel',serif;font-size:12px;color:var(--blue);margin-bottom:2px;}
.t-detail{font-size:12px;color:var(--muted);font-style:italic;}

/* FORM */
.form-group{display:flex;flex-direction:column;gap:8px;}
.form-label{font-family:'Cinzel',serif;font-size:9px;letter-spacing:3px;text-transform:uppercase;color:var(--blue);}
.form-input,.form-select,.form-textarea{background:var(--white);border:1px solid var(--border);border-radius:8px;padding:14px 16px;color:var(--text);font-family:'Crimson Pro',serif;font-size:16px;transition:border-color 0.2s,box-shadow 0.2s;outline:none;width:100%;min-height:50px;-webkit-appearance:none;appearance:none;}
.form-input:focus,.form-select:focus,.form-textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,150,26,0.1);}
.form-input::placeholder,.form-textarea::placeholder{color:var(--muted);font-style:italic;}
.form-textarea{resize:vertical;min-height:110px;}
.form-select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%238a9bb8' d='M6 8L0 0h12z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:36px;}

/* CALCULATOR */
.ctab-row{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px;}
.ctab{font-family:'Cinzel',serif;font-size:10px;letter-spacing:1px;text-transform:uppercase;background:var(--white);border:1px solid var(--border);color:var(--muted);padding:11px 16px;border-radius:8px;cursor:pointer;transition:all 0.2s;white-space:nowrap;min-height:44px;box-shadow:var(--shadow);flex-shrink:0;}
.ctab:hover{border-color:var(--gold);color:var(--blue);}
.ctab.active{background:var(--gold);border-color:var(--gold);color:var(--white);font-weight:600;}
.calc-shell{display:flex;flex-direction:column;gap:20px;}
.calc-panel-title{font-family:'Cinzel',serif;font-size:16px;font-weight:600;color:var(--blue);padding-bottom:16px;border-bottom:2px solid var(--gold);margin-bottom:4px;}
.calc-inputs{background:var(--white);padding:28px 24px;border-radius:var(--radius);display:flex;flex-direction:column;gap:22px;box-shadow:var(--shadow);border:1px solid var(--border);}
.calc-results{background:var(--blue);padding:28px 24px;border-radius:var(--radius);display:flex;flex-direction:column;gap:16px;}
.calc-label{font-family:'Cinzel',serif;font-size:9px;letter-spacing:3px;text-transform:uppercase;color:var(--gold);margin-bottom:8px;display:block;}
.calc-label.white{color:var(--gold-light);}
.calc-field{display:flex;flex-direction:column;}
.calc-input-wrap{display:flex;align-items:center;background:var(--off-white);border:1px solid var(--border);border-radius:8px;overflow:hidden;transition:border-color 0.2s;min-height:50px;}
.calc-input-wrap:focus-within{border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,150,26,0.1);}
.calc-prefix,.calc-suffix{font-family:'Cinzel',serif;font-size:14px;color:var(--gold);padding:0 12px;flex-shrink:0;}
.calc-input{background:transparent;border:none;outline:none;color:var(--text);font-family:'Crimson Pro',serif;font-size:18px;padding:12px 8px;width:100%;min-height:48px;-moz-appearance:textfield;}
.calc-input::-webkit-outer-spin-button,.calc-input::-webkit-inner-spin-button{-webkit-appearance:none;}
.calc-input-row{display:flex;align-items:center;gap:10px;}
.calc-pct-badge{font-family:'Cinzel',serif;font-size:13px;font-weight:600;color:var(--blue);background:var(--blue-pale);border:1px solid var(--border);border-radius:8px;padding:10px 12px;white-space:nowrap;min-width:56px;text-align:center;flex-shrink:0;}
.calc-slider{width:100%;margin-top:10px;-webkit-appearance:none;appearance:none;height:5px;background:rgba(26,58,107,0.15);border-radius:100px;outline:none;cursor:pointer;}
.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;border-radius:50%;background:var(--gold);cursor:pointer;border:3px solid var(--white);box-shadow:0 2px 8px rgba(201,150,26,0.4);}
.calc-slider::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:var(--gold);cursor:pointer;border:3px solid var(--white);}
.calc-range-labels{display:flex;justify-content:space-between;margin-top:4px;font-size:11px;color:var(--muted);font-family:'Cinzel',serif;}
.calc-tab-row{display:flex;gap:6px;flex-wrap:wrap;}
.calc-tab{font-family:'Cinzel',serif;font-size:10px;letter-spacing:1px;background:var(--off-white);border:1px solid var(--border);color:var(--muted);padding:10px 12px;border-radius:6px;cursor:pointer;transition:all 0.2s;flex:1;min-height:44px;white-space:nowrap;}
.calc-tab:hover{border-color:var(--gold);color:var(--blue);}
.calc-tab.active{background:var(--gold);color:var(--white);border-color:var(--gold);font-weight:600;}
.calc-result-main{background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.2);border-radius:14px;padding:22px 18px;text-align:center;position:relative;overflow:hidden;}
.calc-result-main::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,transparent,var(--gold-light),transparent);}
.calc-result-label{font-family:'Cinzel',serif;font-size:9px;letter-spacing:4px;text-transform:uppercase;color:var(--gold-light);margin-bottom:8px;}
.calc-result-amount{font-family:'Cinzel',serif;font-size:clamp(30px,8vw,44px);font-weight:900;color:var(--white);line-height:1;}
.calc-result-sub{font-size:12px;color:rgba(255,255,255,0.5);margin-top:8px;font-style:italic;}
.calc-breakdown{display:grid;grid-template-columns:1fr 1fr;gap:8px;}
.calc-break-card{background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.15);border-radius:10px;padding:12px;display:flex;align-items:flex-start;gap:8px;}
.calc-break-dot{width:9px;height:9px;border-radius:50%;margin-top:4px;flex-shrink:0;}
.calc-break-label{font-family:'Cinzel',serif;font-size:7px;letter-spacing:1px;text-transform:uppercase;color:rgba(255,255,255,0.5);margin-bottom:4px;}
.calc-break-val{font-family:'Cinzel',serif;font-size:13px;font-weight:600;color:var(--white);}
.calc-chart-wrap{position:relative;display:flex;align-items:center;justify-content:center;padding:8px 0;}
.calc-chart-center{position:absolute;text-align:center;pointer-events:none;}
.calc-chart-pct{font-family:'Cinzel',serif;font-size:22px;font-weight:900;color:var(--white);}
.calc-chart-sub{font-size:10px;color:rgba(255,255,255,0.5);letter-spacing:2px;font-family:'Cinzel',serif;}
.calc-total-bar{background:rgba(201,150,26,0.15);border:1px solid rgba(201,150,26,0.4);border-radius:12px;padding:16px 18px;display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;}
.calc-total-label{font-family:'Cinzel',serif;font-size:8px;letter-spacing:3px;text-transform:uppercase;color:var(--gold-light);margin-bottom:4px;}
.calc-total-val{font-family:'Cinzel',serif;font-size:20px;font-weight:900;color:var(--white);}
.calc-cmhc{background:rgba(192,57,43,0.15);border:1px solid rgba(192,57,43,0.35);border-radius:10px;padding:12px 16px;font-size:13px;color:#ffaaaa;font-style:italic;line-height:1.6;}
.ltt-bracket{display:flex;justify-content:space-between;align-items:center;padding:10px 14px;background:var(--off-white);border:1px solid var(--border);border-radius:8px;font-size:13px;transition:all 0.2s;}
.ltt-bracket.active-bracket{border-color:var(--gold);background:var(--gold-pale);}
.ltt-bracket span:first-child{color:var(--muted);font-style:italic;}
.ltt-bracket span:last-child{font-family:'Cinzel',serif;font-size:12px;color:var(--blue);font-weight:600;}
.amort-table{width:100%;border-collapse:collapse;font-size:13px;}
.amort-table th{font-family:'Cinzel',serif;font-size:8px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);padding:12px 10px;text-align:right;border-bottom:2px solid var(--border-gold);background:var(--off-white);white-space:nowrap;}
.amort-table th:first-child{text-align:left;}
.amort-table td{padding:10px;text-align:right;border-bottom:1px solid var(--border);color:var(--text);font-size:14px;}
.amort-table td:first-child{text-align:left;font-family:'Cinzel',serif;font-size:10px;color:var(--blue);}
.amort-table tr:hover td{background:var(--gold-pale);}

/* FOOTER */
footer{background:var(--blue);padding:56px 24px 28px;}
.footer-top{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,0.1);}
.footer-brand-logo{font-family:'Cinzel',serif;font-size:20px;font-weight:900;color:var(--white);margin-bottom:12px;}
.footer-brand-logo span{color:var(--gold-light);}
.footer-brand-desc{font-size:14px;color:rgba(255,255,255,0.5);line-height:1.8;font-style:italic;margin-bottom:20px;}
.footer-contact-link{display:flex;align-items:center;gap:10px;margin-bottom:10px;color:rgba(255,255,255,0.65);font-size:14px;text-decoration:none;transition:color 0.2s;}
.footer-contact-link:hover{color:var(--gold-light);}
.footer-col-title{font-family:'Cinzel',serif;font-size:9px;letter-spacing:3px;text-transform:uppercase;color:var(--gold-light);margin-bottom:18px;}
.footer-links-list{list-style:none;display:flex;flex-direction:column;gap:10px;}
.footer-links-list a{font-size:14px;color:rgba(255,255,255,0.55);text-decoration:none;transition:color 0.2s;}
.footer-links-list a:hover{color:var(--gold-light);}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;}
.footer-copy{font-size:12px;color:rgba(255,255,255,0.35);font-style:italic;}
.footer-bottom-links{display:flex;gap:20px;}
.footer-bottom-links a{font-family:'Cinzel',serif;font-size:9px;letter-spacing:2px;text-transform:uppercase;color:rgba(255,255,255,0.35);text-decoration:none;transition:color 0.2s;}
.footer-bottom-links a:hover{color:var(--gold-light);}

/* ANIMATIONS */
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:0.5;transform:scale(0.8)}}
.reveal{opacity:0;transform:translateY(24px);transition:opacity 0.7s cubic-bezier(0.22,1,0.36,1),transform 0.7s cubic-bezier(0.22,1,0.36,1);}
.reveal.visible{opacity:1;transform:translateY(0);}

/* TABLET ≤ 900px */
@media(max-width:900px){
  .nav-links{display:none;}
  .nav-hamburger{display:flex;}
  nav{padding:0 20px;}
  .grid-3{grid-template-columns:1fr 1fr;}
  .grid-aside{grid-template-columns:1fr;gap:32px;}
  .process-steps{grid-template-columns:1fr 1fr;gap:24px;}
  .process-steps::before{display:none;}
  .footer-top{grid-template-columns:1fr 1fr;gap:32px;}
  .step-circle{width:64px;height:64px;font-size:18px;}
}

/* MOBILE ≤ 600px */
@media(max-width:600px){
  nav{height:60px;padding:0 16px;}
  .nav-logo{font-size:14px;}
  .hero{padding:76px 16px 44px;}
  .hero-tag{font-size:8px;letter-spacing:3px;}
  .hero-tag::before,.hero-tag::after{width:14px;}
  .hero-actions{flex-direction:column;align-items:stretch;}
  .hero-actions .btn-gold,.hero-actions .btn-outline-white{width:100%;justify-content:center;font-size:9px;}
  .hero-card{padding:20px 16px;}
  .stats-bar{gap:8px;padding:20px 16px;}
  .stat-num{font-size:20px;}
  .stat-label{font-size:7px;}
  .container{padding:0 16px;}
  .section{padding:52px 0;}
  .grid-3{grid-template-columns:1fr;}
  .grid-2{grid-template-columns:1fr;}
  .grid-aside{grid-template-columns:1fr;gap:24px;}
  .process-steps{grid-template-columns:1fr 1fr;gap:14px;}
  .step-circle{width:56px;height:56px;font-size:16px;}
  .step-desc{display:none;}
  .page-header{padding:90px 16px 52px;}
  .ctab-row{flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none;padding-bottom:2px;}
  .ctab-row::-webkit-scrollbar{display:none;}
  .ctab{font-size:9px;padding:10px 12px;}
  .calc-inputs{padding:20px 16px;gap:18px;}
  .calc-results{padding:20px 16px;gap:14px;}
  .calc-result-amount{font-size:30px;}
  .calc-tab{padding:9px 10px;font-size:9px;min-height:40px;}
  .calc-total-bar{flex-direction:column;gap:10px;}
  .calc-total-bar .btn-gold{width:100%;justify-content:center;}
  .calc-breakdown{grid-template-columns:1fr 1fr;}
  .form-row{grid-template-columns:1fr!important;}
  .footer-top{grid-template-columns:1fr;gap:28px;}
  .footer-bottom{flex-direction:column;text-align:center;gap:10px;}
  .footer-bottom-links{justify-content:center;}
  .amort-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;}
}

/* TINY ≤ 380px */
@media(max-width:380px){
  .calc-breakdown{grid-template-columns:1fr;}
  .process-steps{grid-template-columns:1fr;}
  .calc-break-val{font-size:12px;}
}

/* Touch - disable hover transforms */
@media(hover:none){
  .card:hover{transform:none;}
  .btn-gold:hover{transform:none;}
  .btn-blue:hover{transform:none;}
  .testimonial-card:hover{transform:none;}
}