:root {
  --ink: #102a36;
  --ink-soft: #36515a;
  --sand: #dfc49b;
  --sand-light: #f3eadc;
  --cream: #f7f4ee;
  --paper: #fcfbf8;
  --white: #ffffff;
  --line: rgba(16, 42, 54, 0.16);
  --radius: 1.25rem;
  --shadow: 0 1.5rem 4rem rgba(5, 29, 38, 0.12);
}

/* Financial guide signup follows the site's navy and sand palette. */
.ebook-teaser { display: flex; align-items: center; justify-content: space-between; gap: 3rem; padding: clamp(4rem, 8vw, 8rem) clamp(1.25rem, 8vw, 8rem); background: var(--sand-light); }
.ebook-teaser > div { max-width: 48rem; }
.ebook-teaser h2 { max-width: 46rem; margin: .5rem 0 1rem; font-size: clamp(2rem, 4vw, 4rem); line-height: 1.12; }
.ebook-teaser p:not(.eyebrow) { max-width: 43rem; line-height: 1.7; }
.ebook-teaser .button { flex-shrink: 0; }
.ebook-main { min-height: 75svh; background: var(--cream); }
.ebook-landing { max-width: 86rem; margin: auto; display: grid; grid-template-columns: 1.12fr .88fr; align-items: center; gap: clamp(2rem, 6vw, 7rem); padding: clamp(5rem, 10vw, 10rem) clamp(1.25rem, 5vw, 5rem) clamp(4rem, 7vw, 7rem); }
.ebook-description h1 { max-width: 14ch; font-size: clamp(2.7rem, 5vw, 5.3rem); line-height: 1.07; letter-spacing: -.04em; }
.ebook-description > p:not(.eyebrow) { max-width: 39rem; line-height: 1.7; font-size: 1.07rem; }
.ebook-description ul { margin: 2rem 0; padding-left: 1.4rem; line-height: 2; }
.ebook-description .ebook-author { font-size: .85rem !important; color: var(--ink-soft); }
.ebook-form-card { padding: clamp(1.5rem, 3vw, 3rem); border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.ebook-form-card h2 { margin: 0 0 .7rem; font-size: clamp(1.7rem, 2.5vw, 2.4rem); }
.ebook-form-card > p { line-height: 1.6; }
.ebook-form-card form > label:first-of-type { display: block; margin: 1.5rem 0 .4rem; font-weight: 700; }
.ebook-form-card input[type=email] { display: block; width: 100%; padding: 1rem; border: 1px solid var(--line); border-radius: .55rem; color: var(--ink); background: var(--paper); }
.ebook-consent { display: flex; gap: .75rem; margin: 1.4rem 0; align-items: flex-start; line-height: 1.5; font-size: .88rem; }
.ebook-consent input { flex: none; width: 1.2rem; height: 1.2rem; margin-top: .1rem; accent-color: var(--ink); }
.ebook-consent a { text-decoration-thickness: 1px; text-underline-offset: 3px; }
.ebook-form-card .button { width: 100%; justify-content: center; }
.ebook-form-card .ebook-privacy { color: var(--ink-soft); font-size: .78rem; }
.ebook-form-card .ebook-status { padding: 1rem; border-radius: .6rem; background: var(--sand-light); font-weight: 650; }
.ebook-honeypot { position: absolute; left: -9999px; height: 1px; overflow: hidden; }
.ebook-footer { background: var(--ink); color: var(--white); padding: 2rem clamp(1.25rem, 5vw, 5rem); }
.ebook-dialog { position: fixed; inset: auto 1.25rem 1.25rem auto; width: min(25rem, calc(100vw - 2.5rem)); margin: 0; padding: 2rem; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); color: var(--ink); background: var(--white); }
.ebook-dialog::backdrop { background: rgba(8, 27, 35, .32); }
.ebook-dialog h2 { margin: .4rem 0 .8rem; font-size: 1.7rem; line-height: 1.2; }
.ebook-dialog p:not(.eyebrow) { line-height: 1.55; }
.ebook-dialog-close { position: absolute; right: .8rem; top: .6rem; border: 0; background: none; color: var(--ink); font-size: 1.8rem; cursor: pointer; }
@media (max-width: 850px) { .ebook-landing { grid-template-columns: 1fr; } .ebook-teaser { flex-direction: column; align-items: flex-start; } }

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}
.skip-link {
  position: fixed;
  z-index: 100;
  left: 1rem;
  top: 1rem;
  transform: translateY(-200%);
  background: var(--white);
  padding: .75rem 1rem;
  border-radius: .5rem;
}
.skip-link:focus { transform: none; }

.site-header {
  position: absolute;
  z-index: 20;
  inset: 0 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 90rem;
  margin: 0 auto;
  padding: 1.5rem clamp(1.25rem, 4vw, 4.5rem);
  color: var(--white);
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: .7rem;
  text-decoration: none;
}
.brand-logo {
  width: 1.55rem;
  height: 2.45rem;
  object-fit: contain;
  filter: brightness(0) invert(1);
  opacity: .96;
}
.brand strong {
  display: block;
  letter-spacing: .025em;
  font-size: 1rem;
}
.brand small {
  display: block;
  margin-top: .15rem;
  color: rgba(255,255,255,.68);
  font-size: .64rem;
  letter-spacing: .17em;
  text-transform: uppercase;
}
nav { display: flex; align-items: center; gap: clamp(1rem, 2.3vw, 2.5rem); }
nav a {
  color: rgba(255,255,255,.78);
  font-size: .91rem;
  text-decoration: none;
  transition: color .2s ease;
}
nav a:hover { color: var(--white); }
.nav-cta {
  padding: .76rem 1rem;
  border: 1px solid rgba(255,255,255,.42);
  border-radius: 999px;
}
.menu-button { display: none; }

.hero {
  position: relative;
  isolation: isolate;
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(18rem, .9fr);
  align-content: center;
  gap: clamp(3rem, 7vw, 8rem);
  min-height: 100svh;
  overflow: hidden;
  padding: 9rem clamp(1.25rem, 6vw, 7rem) 4.5rem;
  color: var(--white);
  background:
    radial-gradient(circle at 80% 22%, rgba(223,196,155,.18), transparent 25%),
    linear-gradient(135deg, #0b2530 0%, #153a47 55%, #0f2f3a 100%);
}
.hero::before,
.hero::after {
  content: "";
  position: absolute;
  z-index: -2;
  width: 68vw;
  height: 30vw;
  right: -8vw;
  bottom: -16vw;
  border-radius: 52% 48% 0 0;
  transform: rotate(-7deg);
  background: linear-gradient(150deg, rgba(120,153,152,.38), rgba(9,32,40,.85));
}
.hero::after {
  width: 58vw;
  height: 22vw;
  right: 23vw;
  bottom: -14vw;
  background: linear-gradient(150deg, rgba(223,196,155,.16), rgba(13,44,54,.8));
}
.hero-glow {
  position: absolute;
  z-index: -3;
  right: 10vw;
  bottom: 12vh;
  width: 28rem;
  height: 28rem;
  border-radius: 50%;
  filter: blur(10px);
  background: rgba(223,196,155,.08);
}
.hero-copy {
  position: relative;
  z-index: 2;
  grid-column: 1 / -1;
  align-self: center;
  max-width: 64rem;
}
.eyebrow {
  margin: 0 0 1.25rem;
  color: var(--sand);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .19em;
  text-transform: uppercase;
}
h1, h2, blockquote {
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 400;
}
h1 {
  max-width: 13ch;
  margin: 0;
  font-size: clamp(3.3rem, 7vw, 7.4rem);
  line-height: .98;
  letter-spacing: -.048em;
}
.hero h1 {
  max-width: 11.5ch;
  text-shadow: 0 .15rem 2rem rgba(4,20,26,.5);
}
.hero-lead {
  max-width: 38rem;
  margin: 2rem 0 0;
  color: rgba(255,255,255,.72);
  font-size: clamp(1rem, 1.4vw, 1.22rem);
  line-height: 1.72;
  text-shadow: 0 .1rem 1rem rgba(4,20,26,.7);
}
.hero-actions { display: flex; align-items: center; gap: 1.5rem; margin-top: 2.2rem; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  min-height: 3.3rem;
  padding: .85rem 1.25rem;
  border: 1px solid transparent;
  border-radius: 999px;
  cursor: pointer;
  font-weight: 700;
  text-decoration: none;
  transition: transform .2s ease, background .2s ease, box-shadow .2s ease;
}
.button:hover { transform: translateY(-2px); }
.button-primary { color: var(--ink); background: var(--sand); box-shadow: 0 .75rem 2rem rgba(0,0,0,.14); }
.button-primary:hover { background: #ead2ad; }
.button-secondary { border-color: var(--ink); color: var(--ink); background: transparent; }
.text-link {
  border: 0;
  padding: .3rem 0;
  color: inherit;
  background: transparent;
  cursor: pointer;
  font-weight: 700;
  text-underline-offset: .35rem;
}
.hero .text-link { color: rgba(255,255,255,.86); }
.hero-portrait {
  position: absolute;
  z-index: 0;
  top: 1.5%;
  right: -9%;
  width: min(79vw, 88rem);
  height: 97%;
  margin: 0;
  overflow: visible;
}
.hero-portrait::before,
.hero-portrait::after {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
}
.hero-portrait::before {
  z-index: 1;
  background: rgba(20,61,73,.3);
  mix-blend-mode: color;
  -webkit-mask-image: radial-gradient(ellipse 70% 98% at 60% 48%, #000 44%, rgba(0,0,0,.7) 72%, transparent 100%);
  mask-image: radial-gradient(ellipse 70% 98% at 60% 48%, #000 44%, rgba(0,0,0,.7) 72%, transparent 100%);
}
.hero-portrait::after {
  z-index: 2;
  background:
    linear-gradient(90deg, #102f3a 0%, rgba(16,47,58,.84) 12%, rgba(16,47,58,.38) 29%, transparent 54%, rgba(11,35,43,.2) 78%, #0f2f3a 100%),
    linear-gradient(180deg, #102f3a 0%, transparent 15%, transparent 72%, #0d2c36 100%);
}
.hero-portrait picture {
  display: block;
  width: 100%;
  height: 100%;
  opacity: .9;
  -webkit-mask-image: radial-gradient(ellipse 70% 98% at 60% 48%, #000 40%, rgba(0,0,0,.94) 59%, rgba(0,0,0,.5) 80%, transparent 100%);
  mask-image: radial-gradient(ellipse 70% 98% at 60% 48%, #000 40%, rgba(0,0,0,.94) 59%, rgba(0,0,0,.5) 80%, transparent 100%);
}
.hero-portrait img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 55% center;
  filter: saturate(.7) contrast(1.08) brightness(.92);
}

.principles {
  position: relative;
  z-index: 2;
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: clamp(.7rem, 1.5vw, 1.4rem);
  align-self: end;
  margin-top: clamp(3rem, 7vh, 6rem);
  border-top: 1px solid rgba(255,255,255,.16);
}
.principle { position: relative; padding: 1.5rem clamp(.2rem, .7vw, .7rem) 0 0; }
.principle:not(:last-child)::after {
  content: "→";
  position: absolute;
  top: 1.33rem;
  right: clamp(-.95rem, -1vw, -.45rem);
  color: var(--sand);
  font-size: 1rem;
  line-height: 1;
}
.principle > span { color: var(--sand); font-size: .68rem; letter-spacing: .18em; }
.principle h2 { margin: .65rem 0 .45rem; font-family: inherit; font-size: 1rem; font-weight: 700; }
.principle p { max-width: 13.5rem; margin: 0; color: rgba(255,255,255,.57); font-size: .78rem; line-height: 1.5; }

.statement {
  position: relative;
  display: grid;
  place-content: center;
  min-height: 100svh;
  padding: 8rem clamp(1.5rem, 10vw, 12rem);
  overflow: hidden;
  text-align: center;
  background: var(--cream);
}
.statement::before {
  content: "“";
  position: absolute;
  top: -10rem;
  left: 2vw;
  color: rgba(16,42,54,.035);
  font-family: Georgia, serif;
  font-size: min(55vw, 42rem);
  line-height: 1;
}
.statement-number { position: absolute; top: 3rem; right: clamp(1.5rem, 6vw, 7rem); color: rgba(16,42,54,.45); font-size: .72rem; letter-spacing: .16em; }
.statement-line { width: 4rem; height: 1px; margin: 0 auto 2.5rem; background: var(--sand); }
blockquote {
  position: relative;
  max-width: 25ch;
  margin: 0 auto;
  font-size: clamp(2.25rem, 5.2vw, 5.9rem);
  line-height: 1.08;
  letter-spacing: -.042em;
}
.statement > p { margin: 2.5rem 0 0; color: var(--ink-soft); font-size: .76rem; font-weight: 700; letter-spacing: .19em; text-transform: uppercase; }

.references-section {
  padding: clamp(5rem, 8vw, 8rem) clamp(1.25rem, 7vw, 8rem);
  background: var(--paper);
}
.consultation {
  display: grid;
  grid-template-columns: minmax(0, .86fr) minmax(20rem, 1fr);
  gap: clamp(3rem, 8vw, 9rem);
  min-height: 100svh;
  padding: clamp(5rem, 9vw, 9rem) clamp(1.25rem, 7vw, 8rem) 0;
  background: var(--paper);
}
.references {
  min-width: 0;
  max-width: 100rem;
  margin: 0 auto;
}
.references-heading {
  display: flex;
  align-items: start;
  justify-content: space-between;
  gap: 2rem;
  margin-bottom: 2rem;
}
.references h2 {
  max-width: 15ch;
  margin: 0;
  font-size: clamp(2.4rem, 4.5vw, 4.6rem);
  line-height: 1.04;
  letter-spacing: -.04em;
}
.references-meta {
  display: grid;
  justify-items: end;
  gap: 1.75rem;
  width: min(48rem, 54vw);
  margin-top: -1rem;
}
.experience-text {
  max-width: 48rem;
  margin: 0;
  padding: .5rem 1.4rem .5rem 0;
  border-right: 3px solid var(--sand);
  color: var(--ink);
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.2rem, 1.6vw, 1.55rem);
  font-weight: 600;
  line-height: 1.42;
  letter-spacing: -.015em;
  text-align: right;
}
.experience-text span { display: block; }
.experience-text span + span { margin-top: .45rem; }
.reference-controls { display: flex; gap: .6rem; }
.reference-arrow {
  display: grid;
  place-items: center;
  width: 3rem;
  height: 3rem;
  border: 1px solid var(--line);
  border-radius: 50%;
  color: var(--ink);
  background: transparent;
  cursor: pointer;
  transition: color .2s ease, background .2s ease, transform .2s ease;
}
.reference-arrow:hover { color: var(--white); background: var(--ink); transform: translateY(-2px); }
.reference-track {
  display: grid;
  grid-auto-flow: column;
  grid-auto-columns: minmax(19rem, 36%);
  column-gap: 1rem;
  overflow-x: auto;
  overscroll-behavior-inline: contain;
  scroll-snap-type: inline mandatory;
  scrollbar-width: thin;
  scrollbar-color: var(--sand) transparent;
  padding: .25rem .1rem 1.1rem;
}
.reference-track:focus-visible { outline: 2px solid var(--ink); outline-offset: .5rem; }
.reference-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 17rem;
  padding: 2rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  scroll-snap-align: start;
  background: var(--white);
}
.reference-mark { color: var(--sand); font-family: Georgia, serif; font-size: 4rem; line-height: .7; }
.reference-title {
  max-width: 25ch;
  margin: 1.25rem 0 1rem;
  font-size: clamp(1.35rem, 2vw, 1.75rem);
  line-height: 1.16;
  letter-spacing: -.025em;
}
.reference-card .reference-quote { max-width: none; margin: 0; font-size: 1.08rem; line-height: 1.55; letter-spacing: -.012em; }
.reference-quote p { margin: 0 0 1rem; }
.reference-quote p:last-child { margin-bottom: 0; }
.reference-context { margin: auto 0 0; padding-top: 1.5rem; color: #6d7c80; font-size: .7rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; }
.reference-followups { display: grid; gap: 1.35rem; margin-top: 1.35rem; padding-top: 1.35rem; border-top: 1px solid var(--line); }
.reference-followup { position: relative; padding-left: 1.1rem; }
.reference-followup::before { position: absolute; top: .35rem; left: -.2rem; width: .55rem; height: .55rem; border-radius: 50%; background: var(--sand); content: ""; }
.reference-followup-label { display: flex; flex-wrap: wrap; gap: .35rem .65rem; margin: 0 0 .7rem; color: #6d7c80; font-size: .68rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; }
.reference-followup-label time { color: var(--ink); }
.reference-followup blockquote { margin: 0; color: var(--ink-soft); font-size: 1rem; line-height: 1.55; }
.reference-followup blockquote p { margin: 0 0 .65rem; }
.reference-followup blockquote p:last-child { margin-bottom: 0; }
.reference-draft-badge {
  position: absolute;
  top: 1rem;
  right: 1rem;
  padding: .35rem .55rem;
  border-radius: 999px;
  color: var(--ink-soft);
  background: var(--sand-light);
  font-size: .62rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.consultation-intro { max-width: 38rem; }
.consultation-intro h2 { margin: 0; font-size: clamp(2.7rem, 5vw, 5.2rem); line-height: 1.05; letter-spacing: -.045em; }
.consultation-intro > p:not(.eyebrow) { max-width: 35rem; margin-top: 1.7rem; color: var(--ink-soft); line-height: 1.75; }
.contact-note { display: flex; gap: 1rem; margin-top: 3rem; padding-top: 1.5rem; border-top: 1px solid var(--line); color: var(--ink-soft); }
.contact-note > span { display: grid; place-items: center; flex: 0 0 2.4rem; height: 2.4rem; border-radius: 50%; color: var(--ink); background: var(--sand-light); }
.contact-note p { margin: 0; font-size: .9rem; line-height: 1.55; }
.contact-note strong { color: var(--ink); }
.contact-details { display: grid; grid-template-columns: .8fr 1.2fr; gap: .7rem; margin-top: 1rem; }
.contact-details > * { display: grid; align-content: start; gap: .28rem; min-height: 6.3rem; padding: 1rem; border-radius: .75rem; color: var(--ink); background: var(--sand-light); }
.contact-details > a { text-decoration: none; }
.contact-details > a:hover strong { text-decoration: underline; text-underline-offset: .25rem; }
.contact-details span { color: #6d7c80; font-size: .68rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; }
.contact-details strong { font-size: .86rem; line-height: 1.45; }
.contact-details small { color: var(--ink-soft); font-size: .72rem; line-height: 1.45; }

.consultation-form {
  align-self: start;
  padding: clamp(1.4rem, 3vw, 2.7rem);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: var(--shadow);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.consultation-form label:not(.consent) { display: block; margin-bottom: 1.2rem; }
.consultation-form label > span { display: block; margin-bottom: .55rem; font-size: .78rem; font-weight: 700; }
.consultation-form em { color: #6d7c80; font-weight: 400; }
input:not([type="checkbox"]), select, textarea {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: .65rem;
  padding: .88rem 1rem;
  outline: none;
  color: var(--ink);
  background: var(--paper);
  transition: border-color .2s, box-shadow .2s, background .2s;
}
textarea { min-height: 7rem; resize: vertical; }
input:focus, select:focus, textarea:focus { border-color: var(--ink); box-shadow: 0 0 0 3px rgba(16,42,54,.09); background: var(--white); }
[aria-invalid="true"] { border-color: #a33e2f !important; }
.field-error { display: block; min-height: 1rem; margin-top: .35rem; color: #933627; font-size: .72rem; }
.consent { display: flex; align-items: flex-start; gap: .7rem; color: var(--ink-soft); font-size: .78rem; line-height: 1.45; }
.consent input { margin-top: .2rem; accent-color: var(--ink); }
.consent-error { margin: 0 0 .8rem 1.55rem; }
.submit-button { width: 100%; justify-content: space-between; border-radius: .7rem; }
.privacy-note { margin: .85rem 0 0; color: #6d7c80; font-size: .7rem; line-height: 1.5; }
.form-result { margin-top: 1.25rem; padding: 1.1rem; border-radius: .8rem; color: var(--ink); background: var(--sand-light); }
.form-result p { margin: .35rem 0 .9rem; font-size: .8rem; line-height: 1.5; }
.form-result > div { display: flex; align-items: center; gap: 1rem; }
.form-result .button { min-height: 2.6rem; padding: .6rem .9rem; font-size: .78rem; }
.form-result .text-link { font-size: .78rem; text-decoration: underline; }
.form-result[hidden] { display: none; }

.site-footer {
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: minmax(11rem, .7fr) minmax(22rem, 1.3fr) auto;
  align-items: center;
  gap: 2rem;
  margin-top: clamp(4rem, 10vw, 9rem);
  padding: 2rem 0;
  border-top: 1px solid var(--line);
  color: #65767b;
  font-size: .75rem;
}
.footer-brand { color: var(--ink); }
.footer-brand small { color: #65767b; }
.footer-brand .brand-logo { filter: none; }
.footer-link { color: var(--ink); font-weight: 700; text-decoration: underline; text-underline-offset: .28rem; }
.footer-meta { display: grid; gap: .75rem; }
.footer-meta > p { margin: 0; }
.footer-links,
.social-row,
.social-links { display: flex; align-items: center; flex-wrap: wrap; gap: .45rem 1rem; }
.social-row > span { color: #65767b; }
.social-links a { color: var(--ink); font-weight: 700; text-underline-offset: .28rem; }
.social-placeholder { color: #8a979b; cursor: default; text-decoration: line-through; text-decoration-thickness: 1px; }

.legal-page { background: var(--cream); }
.legal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 88rem;
  margin: 0 auto;
  padding: 1.5rem clamp(1.25rem, 5vw, 5rem);
  color: var(--ink);
}
.legal-header .brand-logo { filter: none; }
.legal-header .brand small { color: #65767b; }
.legal-back { font-size: .83rem; font-weight: 700; text-underline-offset: .3rem; }
.legal-main { max-width: 88rem; margin: 0 auto; padding: clamp(4rem, 8vw, 8rem) clamp(1.25rem, 5vw, 5rem); }
.legal-hero { max-width: 58rem; margin-bottom: clamp(4rem, 7vw, 7rem); }
.legal-hero h1 { max-width: 15ch; color: var(--ink); font-size: clamp(3.2rem, 7vw, 7rem); }
.legal-hero > p:last-child { max-width: 48rem; color: var(--ink-soft); font-size: 1.08rem; line-height: 1.7; }
.legal-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.legal-panel { padding: clamp(1.5rem, 3vw, 3rem); border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.legal-panel-wide { grid-column: 1 / -1; }
.legal-number { margin: 0 0 1.4rem; color: #8a714e; font-size: .68rem; font-weight: 700; letter-spacing: .18em; }
.legal-panel h2 { margin: 0 0 1.5rem; font-size: clamp(1.8rem, 3vw, 3rem); line-height: 1.08; }
.legal-panel h3 { margin: 0; font-size: .93rem; }
.legal-copy,
.legal-disclaimer { color: var(--ink-soft); line-height: 1.7; }
.legal-disclaimer { max-width: 58rem; color: var(--ink); font-family: Georgia, serif; font-size: clamp(1.35rem, 2.2vw, 2rem); line-height: 1.42; }
.legal-details { margin: 0; }
.legal-details > div { display: grid; grid-template-columns: 9rem 1fr; gap: 1rem; padding: .8rem 0; border-top: 1px solid var(--line); }
.legal-details dt { color: #6d7c80; font-size: .75rem; }
.legal-details dd { margin: 0; font-weight: 700; }
.needs-review { color: #86682f !important; font-size: .78rem; line-height: 1.55; }
.legal-external { display: inline-block; margin-top: 1.2rem; font-size: .8rem; font-weight: 700; text-underline-offset: .3rem; }
.legal-link-row { display: flex; flex-wrap: wrap; gap: .3rem 1.4rem; }
.regulatory-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.regulatory-grid > article { padding: clamp(1.3rem, 2.5vw, 2.2rem); border-radius: .9rem; background: var(--paper); }
.regulatory-grid h3 { margin: 0 0 1rem; font-size: clamp(1.35rem, 2.2vw, 2rem); }
.regulatory-label { margin: 0 0 .7rem; color: #8a714e; font-size: .68rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; }
.regulatory-detail { padding-top: 1rem; border-top: 1px solid var(--line); font-size: .8rem; }
.certificate-heading { display: flex; align-items: start; justify-content: space-between; gap: 2rem; }
.certificate-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(15rem, 1fr)); gap: .9rem; margin-top: 2rem; }
.certificate-card { display: flex; overflow: hidden; min-height: 25rem; flex-direction: column; border: 1px solid var(--line); border-radius: .9rem; background: var(--paper); }
.certificate-preview { display: grid; place-items: center; overflow: hidden; min-height: 12rem; aspect-ratio: 4 / 3; padding: .7rem; border-bottom: 1px solid var(--line); background: #fff; }
.certificate-preview img { width: 100%; height: 100%; object-fit: contain; transition: transform .25s ease; }
.certificate-preview:hover img { transform: scale(1.025); }
.certificate-body { display: flex; flex: 1; flex-direction: column; padding: 1.25rem; }
.certificate-meta { margin: 0 0 .7rem; color: #8a714e; font-size: .68rem; font-weight: 700; letter-spacing: .05em; line-height: 1.5; text-transform: uppercase; }
.certificate-card h3 { margin: 0 0 .75rem; font-size: 1.05rem; line-height: 1.3; }
.certificate-detail { margin: 0; color: #6d7c80; font-size: .76rem; line-height: 1.55; }
.certificate-link { margin-top: auto; padding-top: 1.2rem; font-size: .78rem; font-weight: 700; text-underline-offset: .28rem; }
.privacy-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.privacy-grid > div { padding: 1.3rem; border-radius: .8rem; background: var(--paper); }
.privacy-grid h3 { margin-bottom: .65rem; }
.privacy-grid p { margin: 0; font-size: .83rem; }
.legal-disclaimer-small { font-size: clamp(1.2rem, 1.8vw, 1.65rem); }
.legal-panel:target { border-color: rgba(138,113,78,.7); box-shadow: 0 0 0 4px rgba(223,196,155,.22); }
.legal-footer { max-width: 78rem; margin: 0 auto; padding: 2rem clamp(1.25rem, 5vw, 5rem); }

.calculators-page { background: var(--cream); }
.calculator-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 96rem;
  margin: 0 auto;
  padding: 1.25rem clamp(1.25rem, 5vw, 5rem);
  color: var(--ink);
}
.calculator-header .brand-logo { filter: none; }
.calculator-header .brand small { color: #65767b; }
.calculator-header-actions { display: flex; align-items: center; gap: 1.4rem; }
.calculator-header-actions a { font-size: .82rem; font-weight: 700; text-underline-offset: .28rem; }
.calculator-header-cta { padding: .72rem 1rem; border: 1px solid var(--line); border-radius: 999px; text-decoration: none; }
.calculator-header-cta:hover { border-color: var(--ink); background: var(--white); }
.calculators-main { max-width: 96rem; margin: 0 auto; padding: 0 clamp(1rem, 4vw, 4rem) 2rem; }
.calculators-hero {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(18rem, .65fr);
  align-items: end;
  gap: clamp(3rem, 8vw, 8rem);
  min-height: 38rem;
  padding: clamp(3rem, 7vw, 7rem);
  border-radius: clamp(1.4rem, 3vw, 2.6rem);
  color: var(--white);
  background:
    radial-gradient(circle at 88% 12%, rgba(223,196,155,.18), transparent 28%),
    linear-gradient(135deg, #0b2530 0%, #153a47 100%);
}
.calculators-hero h1 { max-width: 11ch; font-size: clamp(3.5rem, 7.2vw, 7.2rem); }
.calculators-hero > div > p:last-child { max-width: 44rem; margin: 2rem 0 0; color: rgba(255,255,255,.72); font-size: 1.06rem; line-height: 1.75; }
.calculator-jumps { display: grid; gap: .2rem; align-self: end; }
.calculator-jumps a {
  display: grid;
  grid-template-columns: 2.2rem 1fr;
  gap: .7rem;
  padding: 1rem 0;
  border-bottom: 1px solid rgba(255,255,255,.16);
  color: rgba(255,255,255,.85);
  font-weight: 700;
  line-height: 1.35;
  text-decoration: none;
}
.calculator-jumps a:hover { color: var(--sand); }
.calculator-jumps span { color: var(--sand); font-size: .66rem; letter-spacing: .14em; }
.calculator-section {
  display: grid;
  grid-template-columns: minmax(16rem, .68fr) minmax(0, 1.32fr);
  gap: clamp(2.5rem, 7vw, 7rem);
  padding: clamp(5rem, 9vw, 9rem) clamp(1rem, 3vw, 3rem);
  scroll-margin-top: 1rem;
}
.calculator-section-alt { padding-right: clamp(1.5rem, 5vw, 5rem); padding-left: clamp(1.5rem, 5vw, 5rem); border-radius: 2rem; background: var(--sand-light); }
.calculator-intro { align-self: start; position: sticky; top: 2rem; }
.calculator-number { margin: 0 0 clamp(3rem, 8vw, 7rem); color: #8a714e; font-size: .7rem; font-weight: 700; letter-spacing: .18em; }
.calculator-intro h2 { max-width: 10ch; margin: 0; font-size: clamp(2.9rem, 5vw, 5rem); line-height: 1.02; letter-spacing: -.045em; }
.calculator-intro > p:last-child { max-width: 31rem; margin: 1.6rem 0 0; color: var(--ink-soft); line-height: 1.75; }
.calculator-card {
  min-width: 0;
  padding: clamp(1.4rem, 3.5vw, 3.2rem);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--white);
  box-shadow: 0 1.25rem 3.5rem rgba(5,29,38,.08);
}
.calculator-fields { display: grid; gap: 1rem; }
.calculator-fields-three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.calculator-card label > span:first-child,
.calculator-scenarios legend { display: block; margin: 0 0 .55rem; color: var(--ink-soft); font-size: .76rem; font-weight: 700; line-height: 1.4; }
.calculator-input { position: relative; display: block; }
.calculator-input input { padding-right: 3.8rem; font-size: 1.04rem; font-weight: 700; font-variant-numeric: tabular-nums; }
.calculator-input small { position: absolute; top: 50%; right: 1rem; transform: translateY(-50%); color: #6d7c80; font-size: .7rem; font-weight: 700; pointer-events: none; }
.calculator-scenarios { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; min-width: 0; margin: 1.6rem 0 0; padding: 1.2rem; border: 1px solid var(--line); border-radius: .9rem; background: var(--paper); }
.calculator-scenarios legend { padding: 0 .45rem; color: var(--ink); }
.calculator-scenarios .calculator-input input { background: var(--white); }
.calculator-error { margin: 1rem 0 0; padding: .8rem 1rem; border-radius: .65rem; color: #8a3025; background: #fff0ed; font-size: .78rem; line-height: 1.5; }
.calculator-error[hidden] { display: none; }
.calculator-submit { justify-content: space-between; width: 100%; margin-top: 1.3rem; border-radius: .7rem; }
.calculator-results { display: grid; gap: .8rem; margin-top: 1.5rem; padding-top: 1.5rem; border-top: 1px solid var(--line); }
.calculator-results-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.calculator-result-featured,
.calculator-result-note { display: grid; align-content: start; gap: .5rem; padding: 1.2rem; border-radius: .8rem; background: var(--paper); }
.calculator-result-featured { grid-column: 1 / -1; color: var(--white); background: var(--ink); }
.calculator-result-featured span,
.calculator-result-note span { color: inherit; opacity: .72; font-size: .72rem; font-weight: 700; line-height: 1.45; }
.calculator-result-featured strong { color: var(--sand); font-family: Georgia, "Times New Roman", serif; font-size: clamp(2rem, 4vw, 3.7rem); font-weight: 400; line-height: 1.05; letter-spacing: -.035em; font-variant-numeric: tabular-nums; }
.calculator-result-note strong { font-size: clamp(1.2rem, 2vw, 1.65rem); font-variant-numeric: tabular-nums; }
.inflation-table { overflow: hidden; margin-top: .2rem; border: 1px solid var(--line); border-radius: .8rem; }
.inflation-row { display: grid; grid-template-columns: minmax(7rem, .8fr) repeat(2, minmax(7.5rem, 1fr)); }
.inflation-row > * { padding: .85rem 1rem; border-top: 1px solid var(--line); font-size: .8rem; font-variant-numeric: tabular-nums; }
.inflation-row > * + * { border-left: 1px solid var(--line); }
.inflation-row-head { color: #6d7c80; background: var(--paper); }
.inflation-row-head > * { border-top: 0; font-size: .66rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; }
.inflation-row strong { color: #8a714e; }
.calculator-method { margin: 1rem 0 0; color: #6d7c80; font-size: .69rem; line-height: 1.55; }
.calculators-disclaimer { max-width: 74rem; margin: 0 auto; padding: clamp(2rem, 4vw, 3.5rem); border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.calculators-disclaimer > p:last-child { margin: 0; color: var(--ink-soft); line-height: 1.72; }
.calculators-contact { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 8vw, 8rem); margin-top: clamp(5rem, 9vw, 9rem); padding: clamp(3rem, 6vw, 6rem); border-radius: 2rem; color: var(--white); background: var(--ink); }
.calculators-contact h2 { max-width: 13ch; margin: 0; font-size: clamp(2.5rem, 4.5vw, 4.7rem); line-height: 1.04; }
.calculators-contact > div:last-child { align-self: end; }
.calculators-contact > div:last-child p { max-width: 36rem; margin: 0 0 1.5rem; color: rgba(255,255,255,.7); line-height: 1.7; }
.calculators-footer { padding-right: clamp(1rem, 3vw, 3rem); padding-left: clamp(1rem, 3vw, 3rem); }

.reveal { opacity: 0; transform: translateY(1.25rem); transition: opacity .65s ease, transform .65s ease; }
.reveal.is-visible { opacity: 1; transform: none; }
.principle:nth-child(2) { transition-delay: .08s; }
.principle:nth-child(3) { transition-delay: .16s; }
.principle:nth-child(4) { transition-delay: .24s; }
.principle:nth-child(5) { transition-delay: .32s; }
.principle:nth-child(6) { transition-delay: .4s; }

@media (max-width: 900px) {
  .site-header { position: absolute; }
  .menu-button {
    display: grid;
    place-content: center;
    gap: .38rem;
    width: 2.8rem;
    height: 2.8rem;
    border: 1px solid rgba(255,255,255,.25);
    border-radius: 50%;
    color: var(--white);
    background: rgba(6,29,36,.3);
  }
  .menu-button > span:not(.sr-only) { display: block; width: 1rem; height: 1px; background: currentColor; transition: transform .2s; }
  .menu-button[aria-expanded="true"] > span:nth-child(2) { transform: translateY(3.5px) rotate(45deg); }
  .menu-button[aria-expanded="true"] > span:nth-child(3) { transform: translateY(-3.5px) rotate(-45deg); }
  nav {
    position: absolute;
    top: 5rem;
    left: 1.25rem;
    right: 1.25rem;
    display: none;
    align-items: stretch;
    flex-direction: column;
    gap: 0;
    padding: .7rem;
    border: 1px solid rgba(255,255,255,.12);
    border-radius: 1rem;
    background: #153642;
    box-shadow: var(--shadow);
  }
  nav.is-open { display: flex; }
  nav a { padding: .9rem; }
  .nav-cta { margin-top: .3rem; text-align: center; }
  .hero { grid-template-columns: 1fr; gap: 1rem; }
  .hero-copy { padding-top: 2rem; }
  .hero-portrait {
    top: 4rem;
    right: -42%;
    width: 138%;
    height: 67%;
    margin: 0;
  }
  .principles { grid-template-columns: 1fr; gap: 0; margin-top: 3rem; }
  .principle { padding: 1.1rem 0 2rem; border-top: 1px solid rgba(255,255,255,.1); }
  .principle:not(:last-child)::after { content: "↓"; top: auto; right: auto; bottom: .55rem; left: 0; }
  .consultation { grid-template-columns: 1fr; }
  .references-heading { align-items: flex-start; flex-direction: column; gap: 1.75rem; }
  .references-meta { justify-items: start; width: 100%; margin-top: 0; }
  .experience-text { max-width: 42rem; padding: .35rem 0 .35rem 1rem; border-right: 0; border-left: 3px solid var(--sand); text-align: left; }
  .reference-track { grid-auto-columns: minmax(18rem, 62%); }
  .calculators-hero { grid-template-columns: 1fr; min-height: auto; }
  .calculators-hero .calculator-jumps { position: static; display: grid; align-items: stretch; flex-direction: initial; gap: .2rem; padding: 0; border: 0; background: transparent; box-shadow: none; }
  .calculators-hero .calculator-jumps a { padding: 1rem 0; }
  .calculator-section { grid-template-columns: 1fr; }
  .calculator-intro { position: static; }
  .calculator-number { margin-bottom: 2.5rem; }
}

@media (max-width: 600px) {
  .site-header { padding: 1.1rem 1rem; }
  .hero { padding: 7.6rem 1.25rem 3rem; min-height: auto; }
  h1 { font-size: clamp(3.15rem, 16vw, 4.7rem); }
  .hero h1 { max-width: 6.2ch; font-size: clamp(2.7rem, 12.5vw, 3.45rem); }
  .hero-lead { max-width: 21rem; margin-top: 3rem; }
  .hero-actions { align-items: flex-start; flex-direction: column; gap: 1rem; }
  .principles { grid-template-columns: 1fr; }
  .hero-portrait { top: 5.5rem; right: -82%; width: 182%; height: 40rem; margin: 0; }
  .hero-portrait img { object-position: 55% center; }
  .hero-portrait::after {
    background:
      linear-gradient(90deg, #102f3a 0%, rgba(16,47,58,.94) 22%, rgba(16,47,58,.68) 42%, rgba(16,47,58,.15) 62%, transparent 78%, #0f2f3a 100%),
      linear-gradient(180deg, #102f3a 0%, transparent 18%, transparent 62%, #0d2c36 100%);
  }
  .statement { min-height: 92svh; padding: 7rem 1.25rem; }
  blockquote { font-size: clamp(2.25rem, 11vw, 3.6rem); }
  .references-section { padding: 4rem 1rem; }
  .consultation { padding: 5rem 1rem 0; }
  .references-heading { align-items: flex-start; flex-direction: column; gap: 1.25rem; }
  .references-meta { justify-items: start; width: 100%; margin-top: 0; }
  .experience-text { max-width: 32rem; padding: .35rem 0 .35rem 1rem; border-right: 0; border-left: 3px solid var(--sand); text-align: left; }
  .reference-track { grid-auto-columns: 86%; }
  .reference-card { min-height: 18rem; padding: 1.5rem; }
  .consultation-form { padding: 1.2rem; }
  .contact-details { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .site-footer { grid-template-columns: 1fr; gap: .5rem; }
  .site-footer p { margin: 0; }
  .legal-header { align-items: flex-start; }
  .legal-back { max-width: 8rem; text-align: right; line-height: 1.45; }
  .legal-grid { grid-template-columns: 1fr; }
  .legal-panel-wide { grid-column: auto; }
  .legal-details > div { grid-template-columns: 1fr; gap: .25rem; }
  .certificate-heading { flex-direction: column; }
  .certificate-grid { grid-template-columns: 1fr; }
  .privacy-grid { grid-template-columns: 1fr; }
  .regulatory-grid { grid-template-columns: 1fr; }
  .calculator-header { align-items: flex-start; gap: 1rem; padding: 1rem; }
  .calculator-header-actions { align-items: flex-end; flex-direction: column; gap: .5rem; }
  .calculator-header-actions > a:first-child { display: none; }
  .calculator-header-cta { padding: .65rem .8rem; font-size: .72rem !important; }
  .calculators-main { padding-right: .65rem; padding-left: .65rem; }
  .calculators-hero { gap: 2.5rem; padding: 3.5rem 1.25rem; border-radius: 1.2rem; }
  .calculators-hero h1 { font-size: clamp(3rem, 15vw, 4.7rem); }
  .calculators-hero > div > p:last-child { font-size: .95rem; }
  .calculator-section,
  .calculator-section-alt { padding: 4.5rem .6rem; }
  .calculator-section-alt { padding-right: 1rem; padding-left: 1rem; border-radius: 1.2rem; }
  .calculator-intro h2 { font-size: clamp(2.75rem, 13vw, 4rem); }
  .calculator-card { padding: 1.05rem; }
  .calculator-fields-three,
  .calculator-scenarios,
  .calculator-results-grid { grid-template-columns: 1fr; }
  .calculator-result-featured { grid-column: auto; }
  .inflation-row { grid-template-columns: minmax(5.2rem, .8fr) repeat(2, minmax(5.5rem, 1fr)); }
  .inflation-row > * { padding: .75rem .55rem; font-size: .7rem; overflow-wrap: anywhere; }
  .inflation-row-head > * { font-size: .58rem; }
  .calculators-contact { grid-template-columns: 1fr; padding: 2.5rem 1.4rem; border-radius: 1.2rem; }
}

@media (max-width: 900px) and (max-height: 600px) and (orientation: landscape) {
  .site-header { padding: .8rem 1.25rem; }
  .hero { align-content: start; min-height: auto; padding: 5.7rem 1.5rem 2.5rem; }
  .hero-copy { max-width: 48%; padding-top: 0; }
  .hero h1 { max-width: 8ch; font-size: clamp(2.35rem, 5.8vw, 3.25rem); }
  .hero-lead { max-width: 29rem; margin-top: 1.25rem; font-size: .92rem; line-height: 1.5; }
  .hero-actions { align-items: flex-start; flex-direction: column; gap: .75rem; margin-top: 1.35rem; }
  .hero-actions .button { min-height: 2.9rem; padding: .7rem 1.05rem; }
  .hero-portrait { top: 2.8rem; right: -7%; width: 62%; height: 32rem; margin: 0; }
  .hero-portrait img { object-position: 56% center; }
  .hero-portrait::after {
    background:
      linear-gradient(90deg, #102f3a 0%, rgba(16,47,58,.86) 15%, rgba(16,47,58,.25) 42%, transparent 68%, #0f2f3a 100%),
      linear-gradient(180deg, #102f3a 0%, transparent 14%, transparent 68%, #0d2c36 100%);
  }
  .principles { grid-template-columns: repeat(3, 1fr); margin-top: 3rem; }
  .principle { min-width: 0; padding-right: .75rem; }
  .principle:not(:last-child)::after { content: "→"; top: 1.33rem; right: .15rem; bottom: auto; left: auto; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}