/* ============================================================
   Steady Wealth Source FINANCIAL — Shared Stylesheet (all pages)
   Palette: deep pine green · amber gold · warm cream
============================================================ */
:root{
  --ink:#0a2622;
  --pine:#0e4b41;
  --pine-dk:#0a3830;
  --pine-xd:#072a24;
  --teal:#1b7f6c;
  --gold:#e2a33c;
  --gold-dk:#c9861f;
  --gold-soft:#f4d9a6;
  --cream:#f5f1e6;
  --paper:#fcfaf3;
  --text:#16302b;
  --muted:#5b6b64;
  --line:rgba(10,38,34,.14);
  --line-lt:rgba(255,255,255,.14);
  --display:'Fraunces',Georgia,serif;
  --body:'Manrope',system-ui,sans-serif;
  --shadow:0 18px 44px -18px rgba(10,38,34,.35);
  --r-lg:22px; --r-md:14px; --r-sm:9px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--body);color:var(--text);background:var(--cream);
  font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden;
}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
ul,ol{list-style:none}
button{font-family:inherit;cursor:pointer;border:none;background:none;color:inherit}
input,select,textarea{font-family:inherit;font-size:1rem;color:var(--text)}
::selection{background:var(--gold);color:var(--ink)}
[id]{scroll-margin-top:96px}
.wrap{width:min(1180px,92%);margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--ink);padding:.6rem 1rem;z-index:200;font-weight:700}
.skip:focus{left:12px;top:12px}

/* ---------- shared bits ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:.55rem;font-weight:800;font-size:.74rem;
  letter-spacing:.22em;text-transform:uppercase;color:var(--gold-dk);
}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--gold)}
.dark .eyebrow{color:var(--gold)}
.h-display{font-family:var(--display);font-weight:600;line-height:1.12;color:var(--ink);letter-spacing:-.01em}
.dark .h-display{color:var(--paper)}
.lead{color:var(--muted);max-width:62ch}
.dark .lead{color:rgba(252,250,243,.78)}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  font-weight:800;font-size:.95rem;padding:.85rem 1.55rem;border-radius:var(--r-sm);
  transition:transform .22s ease,box-shadow .22s ease,background .22s ease,color .22s ease;
  border:1.5px solid transparent;white-space:nowrap;
}
.btn svg{width:16px;height:16px;transition:transform .22s ease}
.btn:hover svg{transform:translateX(4px)}
.btn-gold{background:var(--gold);color:var(--ink);box-shadow:0 10px 24px -12px rgba(201,134,31,.8)}
.btn-gold:hover{background:var(--gold-dk);transform:translateY(-2px)}
.btn-ink{background:var(--ink);color:var(--cream)}
.btn-ink:hover{background:var(--pine);transform:translateY(-2px)}
.btn-ghost{border-color:var(--ink);color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:var(--cream);transform:translateY(-2px)}
.btn-ghost-lt{border-color:rgba(252,250,243,.55);color:var(--paper)}
.btn-ghost-lt:hover{background:var(--paper);color:var(--ink);transform:translateY(-2px)}
.section{padding:92px 0}
.section-head{max-width:760px;margin-bottom:52px}
.section-head .h-display{font-size:clamp(1.9rem,3.4vw,2.7rem);margin:.7rem 0 .9rem}
.chip{
  display:inline-flex;align-items:center;gap:.4rem;font-size:.72rem;font-weight:800;
  letter-spacing:.06em;padding:.34rem .7rem;border-radius:100px;
  background:rgba(226,163,60,.16);color:var(--gold-dk);border:1px solid rgba(201,134,31,.35);
}
.dark .chip{color:var(--gold-soft);background:rgba(226,163,60,.12)}

/* reveal on scroll */
.rv{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}
.rv[data-d="1"]{transition-delay:.08s}.rv[data-d="2"]{transition-delay:.16s}
.rv[data-d="3"]{transition-delay:.24s}.rv[data-d="4"]{transition-delay:.32s}

/* ---------- top strip + header ---------- */
.top-strip{background:var(--pine-xd);color:rgba(252,250,243,.85);font-size:.78rem;letter-spacing:.04em}
.top-strip .wrap{display:flex;justify-content:space-between;gap:1rem;padding:.45rem 0}
.top-strip b{color:var(--gold)}
.site-header{
  position:sticky;top:0;z-index:100;background:rgba(245,241,230,.92);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line);transition:box-shadow .3s ease;
}
.site-header.scrolled{box-shadow:0 12px 30px -18px rgba(10,38,34,.4)}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:1.5rem;padding:.85rem 0}
.brand{display:flex;align-items:center;gap:.7rem}
.brand-mark{
  width:44px;height:44px;border-radius:11px;background:var(--pine);color:var(--gold);
  display:grid;place-items:center;font-family:var(--display);font-weight:700;font-size:1.15rem;
  border:1.5px solid var(--gold-dk);flex:none;
}
.brand-text{font-family:var(--display);font-weight:700;font-size:1.22rem;color:var(--ink);line-height:1}
.brand-text small{display:block;font-family:var(--body);font-weight:800;font-size:.58rem;letter-spacing:.34em;color:var(--gold-dk);margin-top:.28rem}
.main-nav{display:flex;align-items:center;gap:1.55rem}
.main-nav a.nav-link{font-weight:700;font-size:.92rem;color:var(--text);position:relative;padding:.35rem 0}
.main-nav a.nav-link::after{
  content:"";position:absolute;left:0;bottom:0;height:2px;width:0;background:var(--gold-dk);transition:width .25s ease;
}
.main-nav a.nav-link:hover::after,.main-nav a.nav-link.active::after{width:100%}
.main-nav a.nav-link.active{color:var(--pine)}
.nav-toggle{display:none;flex-direction:column;gap:5px;padding:.5rem}
.nav-toggle span{width:24px;height:2.5px;background:var(--ink);border-radius:2px;transition:.3s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}

/* ---------- page hero (inner pages) ---------- */
.page-hero{
  background:var(--pine);color:var(--paper);position:relative;overflow:hidden;padding:74px 0 66px;
}
.page-hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(600px 300px at 85% -10%,rgba(226,163,60,.22),transparent 65%),
    repeating-linear-gradient(0deg,transparent 0 39px,rgba(255,255,255,.045) 39px 40px),
    repeating-linear-gradient(90deg,transparent 0 39px,rgba(255,255,255,.03) 39px 40px);
}
.page-hero .wrap{position:relative}
.page-hero .h-display{font-size:clamp(2rem,4.2vw,3.1rem);margin:.8rem 0 1rem}
.page-hero .lead{color:rgba(252,250,243,.82)}

/* ---------- hero (home) ---------- */
.hero{
  position:relative;background:var(--cream);overflow:hidden;padding:84px 0 70px;
}
.hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(700px 380px at 8% -12%,rgba(14,75,65,.14),transparent 60%),
    radial-gradient(560px 300px at 96% 6%,rgba(226,163,60,.2),transparent 62%),
    repeating-linear-gradient(0deg,transparent 0 43px,rgba(10,38,34,.05) 43px 44px);
}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.15fr .95fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(2.3rem,4.6vw,3.6rem);margin:1rem 0 1.2rem}
.hero h1 em{font-style:normal;color:var(--pine);position:relative;white-space:nowrap}
.hero h1 em::after{content:"";position:absolute;left:0;right:0;bottom:6px;height:.32em;background:var(--gold-soft);z-index:-1}
.hero-cta{display:flex;gap:.9rem;flex-wrap:wrap;margin-top:1.8rem}
.hero .eyebrow{color:var(--pine)}
.hero .eyebrow::before{background:var(--pine)}

/* live status board */
.board{
  background:var(--pine-xd);border:1px solid rgba(226,163,60,.4);border-radius:var(--r-lg);
  padding:1.7rem 1.6rem;color:var(--paper);box-shadow:var(--shadow);position:relative;
  animation:boardFloat 7s ease-in-out infinite;
}
@keyframes boardFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}
.board::after{content:"";position:absolute;inset:0;border-radius:var(--r-lg);pointer-events:none;
  background:radial-gradient(420px 200px at 90% -10%,rgba(226,163,60,.18),transparent 60%)}
.board-top{display:flex;justify-content:space-between;align-items:center;gap:1rem;margin-bottom:1.2rem;flex-wrap:wrap}
.board-top h3{font-family:var(--display);font-size:1.06rem;color:var(--gold-soft);font-weight:600}
.live-badge{display:inline-flex;align-items:center;gap:.45rem;font-size:.68rem;font-weight:800;letter-spacing:.2em;
  padding:.32rem .7rem;border-radius:100px;background:rgba(226,163,60,.14);color:var(--gold);border:1px solid rgba(226,163,60,.45)}
.live-dot{width:8px;height:8px;border-radius:50%;background:#4ade80;animation:pulse 1.6s ease-in-out infinite}
@keyframes pulse{0%,100%{box-shadow:0 0 0 0 rgba(74,222,128,.55)}50%{box-shadow:0 0 0 7px rgba(74,222,128,0)}}
.board-big{border-block:1px solid var(--line-lt);padding:1.05rem 0;margin-bottom:.4rem}
.board-big .lbl{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:rgba(252,250,243,.6);font-weight:700}
.board-big .val{font-family:var(--display);font-size:clamp(1.7rem,3vw,2.25rem);color:var(--gold);font-weight:700;font-variant-numeric:tabular-nums}
.board-big .apy{display:inline-block;margin-top:.3rem}
.board-rows{display:grid;grid-template-columns:1fr 1fr;gap:.9rem 1.4rem;padding-top:1rem}
.board-rows .lbl{font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:rgba(252,250,243,.55);font-weight:700}
.board-rows .val{font-weight:800;font-size:.98rem;color:var(--paper)}

/* marquee */
.marquee{background:var(--ink);overflow:hidden;padding:.95rem 0;border-block:1px solid rgba(226,163,60,.35)}
.marquee-track{display:flex;gap:3rem;width:max-content;animation:scrollX 30s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
.marquee-track span{display:flex;align-items:center;gap:3rem;color:rgba(252,250,243,.85);font-weight:700;font-size:.88rem;letter-spacing:.1em;text-transform:uppercase;white-space:nowrap}
.marquee-track i{color:var(--gold);font-style:normal}
@keyframes scrollX{to{transform:translateX(-50%)}}

/* ---------- feature cards ---------- */
.feat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.feat{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);padding:1.8rem 1.55rem;
  transition:transform .28s ease,box-shadow .28s ease,border-color .28s ease;position:relative;overflow:hidden;
}
.feat::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .35s ease}
.feat:hover{transform:translateY(-7px);box-shadow:var(--shadow);border-color:rgba(201,134,31,.45)}
.feat:hover::before{transform:scaleX(1)}
.feat .ico{width:52px;height:52px;border-radius:12px;background:rgba(14,75,65,.1);color:var(--pine);display:grid;place-items:center;margin-bottom:1.1rem}
.feat .ico svg{width:26px;height:26px}
.feat h3{font-family:var(--display);font-size:1.16rem;color:var(--ink);margin-bottom:.55rem;font-weight:600}
.feat p{font-size:.92rem;color:var(--muted)}

/* ---------- about ---------- */
.about-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center}
.about-copy p{margin-bottom:1.1rem;color:var(--muted)}
.stat-row{display:flex;gap:2.6rem;flex-wrap:wrap;margin:1.9rem 0 2rem}
.stat .num{font-family:var(--display);font-size:2.4rem;font-weight:700;color:var(--pine);font-variant-numeric:tabular-nums}
.stat .cap{font-size:.8rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dk)}
.about-panel{
  background:var(--pine);border-radius:var(--r-lg);padding:2.4rem;color:var(--paper);position:relative;overflow:hidden;
}
.about-panel::after{content:"";position:absolute;right:-70px;bottom:-70px;width:230px;height:230px;border-radius:50%;border:34px solid rgba(226,163,60,.22)}
.about-panel h3{font-family:var(--display);font-size:1.5rem;color:var(--gold-soft);margin-bottom:.8rem;font-weight:600}
.about-panel p{color:rgba(252,250,243,.82);font-size:.95rem;margin-bottom:1.4rem}
.about-panel ul li{display:flex;gap:.7rem;align-items:flex-start;padding:.5rem 0;font-weight:600;font-size:.93rem;border-bottom:1px dashed var(--line-lt)}
.about-panel ul li:last-child{border:none}
.about-panel ul svg{width:17px;height:17px;color:var(--gold);flex:none;margin-top:3px}

/* ---------- division / services shared ---------- */
.div-block{padding:88px 0;border-bottom:1px solid var(--line)}
.div-block:last-of-type{border-bottom:none}
.div-head{display:flex;gap:26px;align-items:flex-start;margin-bottom:44px;flex-wrap:wrap}
.div-num{
  flex:none;width:76px;height:76px;border-radius:16px;background:var(--ink);color:var(--gold);
  display:grid;place-items:center;font-family:var(--display);font-weight:700;font-size:1.05rem;text-align:center;line-height:1.15;
  border:1.5px solid var(--gold-dk);
}
.div-num small{display:block;font-size:.56rem;letter-spacing:.24em;color:rgba(252,250,243,.65);font-family:var(--body);font-weight:800}
.div-head h2{font-size:clamp(1.7rem,3vw,2.35rem)}
.div-head p{margin-top:.6rem;color:var(--muted);max-width:70ch}
.div-block.dark{background:var(--pine);border-bottom:1px solid rgba(226,163,60,.2)}
.div-block.dark .div-head p{color:rgba(252,250,243,.78)}
.div-block.tint{background:var(--paper)}

/* division preview cards (home) */
.div-preview{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.dv-card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);padding:1.6rem 1.4rem;
  display:flex;flex-direction:column;gap:.7rem;transition:transform .28s ease,box-shadow .28s ease,border-color .28s ease;
}
.dv-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:rgba(201,134,31,.5)}
.dv-card .tag{font-size:.68rem;font-weight:800;letter-spacing:.2em;color:var(--gold-dk);text-transform:uppercase}
.dv-card h3{font-family:var(--display);font-size:1.12rem;color:var(--ink);font-weight:600;line-height:1.3}
.dv-card p{font-size:.86rem;color:var(--muted);flex:1}
.dv-card .go{font-weight:800;font-size:.84rem;color:var(--pine);display:inline-flex;gap:.4rem;align-items:center}
.dv-card .go svg{width:14px;height:14px;transition:transform .25s ease}
.dv-card:hover .go svg{transform:translateX(5px)}

/* --- Division 01 · loans --- */
.calc-wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:26px;margin-bottom:44px}
.calc{
  background:var(--ink);color:var(--paper);border-radius:var(--r-lg);padding:2rem 1.9rem;
  border:1px solid rgba(226,163,60,.4);position:relative;overflow:hidden;
}
.calc::after{content:"";position:absolute;left:-60px;top:-60px;width:190px;height:190px;border-radius:50%;border:26px solid rgba(226,163,60,.14)}
.calc h3{font-family:var(--display);color:var(--gold-soft);font-size:1.25rem;margin-bottom:1.4rem;font-weight:600}
.calc-row{margin-bottom:1.35rem}
.calc-row .cr-top{display:flex;justify-content:space-between;font-size:.82rem;font-weight:700;margin-bottom:.5rem;color:rgba(252,250,243,.85)}
.calc-row .cr-top output{color:var(--gold);font-variant-numeric:tabular-nums}
input[type=range]{width:100%;appearance:none;height:6px;border-radius:4px;background:rgba(252,250,243,.2);outline:none}
input[type=range]::-webkit-slider-thumb{appearance:none;width:20px;height:20px;border-radius:50%;background:var(--gold);border:3px solid var(--ink);box-shadow:0 0 0 2px var(--gold);cursor:pointer;transition:transform .2s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:var(--gold);border:3px solid var(--ink);box-shadow:0 0 0 2px var(--gold);cursor:pointer}
.calc-note{font-size:.75rem;color:rgba(252,250,243,.6);margin-top:.2rem}
.pay-card{
  background:var(--paper);border:1.5px solid var(--gold-dk);border-radius:var(--r-lg);padding:2rem 1.9rem;
  display:flex;flex-direction:column;justify-content:center;gap:.4rem;text-align:center;position:relative;
}
.pay-card .lbl{font-size:.74rem;letter-spacing:.2em;text-transform:uppercase;font-weight:800;color:var(--gold-dk)}
.pay-card .val{font-family:var(--display);font-size:clamp(2.3rem,4vw,3.2rem);color:var(--pine);font-weight:700;font-variant-numeric:tabular-nums}
.pay-card .val small{font-size:1.1rem;color:var(--muted);font-family:var(--body);font-weight:700}
.loan-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.loan-card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);padding:1.9rem 1.7rem;
  transition:transform .28s ease,box-shadow .28s ease,border-color .28s ease;display:flex;flex-direction:column;gap:.85rem;
}
.loan-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:rgba(201,134,31,.55)}
.loan-card h3{font-family:var(--display);font-size:1.3rem;color:var(--ink);font-weight:600;display:flex;justify-content:space-between;align-items:center;gap:1rem;flex-wrap:wrap}
.loan-card p{font-size:.92rem;color:var(--muted)}
.loan-card .foot{display:flex;justify-content:space-between;align-items:center;margin-top:auto;padding-top:.6rem;flex-wrap:wrap;gap:.8rem}
.link-btn{font-weight:800;color:var(--pine);display:inline-flex;align-items:center;gap:.45rem;font-size:.92rem}
.link-btn svg{width:15px;height:15px;transition:transform .25s ease}
.link-btn:hover svg{transform:translateX(5px)}
.link-btn:hover{color:var(--gold-dk)}

/* --- Division 02 · insurance tabs --- */
.ins-tabs{display:flex;flex-wrap:wrap;gap:.6rem;margin-bottom:1.6rem}
.ins-tab{
  padding:.6rem 1.15rem;border-radius:100px;border:1.5px solid rgba(252,250,243,.35);color:rgba(252,250,243,.85);
  font-weight:700;font-size:.86rem;transition:.25s;
}
.ins-tab:hover{border-color:var(--gold);color:var(--gold)}
.ins-tab.active{background:var(--gold);border-color:var(--gold);color:var(--ink)}
.ins-stage{background:var(--paper);border-radius:var(--r-lg);padding:2.4rem;border:1px solid var(--line);color:var(--text)}
.ins-panel{display:none;animation:fadePanel .45s ease}
.ins-panel.show{display:block}
@keyframes fadePanel{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.ins-panel h3{font-family:var(--display);font-size:1.55rem;color:var(--ink);margin-bottom:.7rem;font-weight:600}
.ins-panel p{color:var(--muted);max-width:75ch}
.ins-index{margin-top:2.2rem}
.ins-index h4{font-family:var(--display);font-size:1.15rem;color:var(--gold-soft);margin-bottom:1rem;font-weight:600}
.ins-index ol{display:grid;grid-template-columns:repeat(3,1fr);gap:.7rem 2rem;counter-reset:ins}
.ins-index ol li{counter-increment:ins;font-size:.88rem;color:rgba(252,250,243,.85);display:flex;gap:.6rem;padding:.35rem 0;border-bottom:1px dashed var(--line-lt);font-weight:600}
.ins-index ol li::before{content:counter(ins,decimal-leading-zero);color:var(--gold);font-weight:800;font-size:.78rem}

/* --- Division 03 · investments --- */
.inv-row{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center;padding:34px 0;border-bottom:1px dashed var(--line)}
.inv-row:last-child{border:none;padding-bottom:0}
.inv-row:nth-child(even) .inv-copy{order:2}
.inv-copy h3{font-family:var(--display);font-size:1.55rem;color:var(--ink);margin:.6rem 0 .8rem;font-weight:600}
.inv-copy p{color:var(--muted);font-size:.95rem;margin-bottom:.9rem}
.inv-stat{
  background:var(--ink);color:var(--paper);border-radius:var(--r-lg);padding:2.3rem 2rem;text-align:center;
  border:1px solid rgba(226,163,60,.4);
}
.inv-stat .lbl{font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;color:rgba(252,250,243,.6);font-weight:800}
.inv-stat .val{font-family:var(--display);font-size:2.9rem;color:var(--gold);font-weight:700;margin:.3rem 0 1.2rem;font-variant-numeric:tabular-nums}

/* --- Division 04 · pillars --- */
.pillar-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.pillar{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);padding:1.9rem 1.6rem;
  transition:transform .28s ease,box-shadow .28s ease,border-color .28s ease;
}
.pillar:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:rgba(201,134,31,.55)}
.pillar .p-tag{font-size:.68rem;font-weight:800;letter-spacing:.22em;color:var(--gold-dk);text-transform:uppercase}
.pillar h3{font-family:var(--display);font-size:1.28rem;color:var(--ink);margin:.5rem 0 .7rem;font-weight:600}
.pillar p{font-size:.9rem;color:var(--muted);margin-bottom:.7rem}

/* --- Division 05 · payments --- */
.pay-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.pay-card2{
  background:rgba(252,250,243,.06);border:1px solid var(--line-lt);border-radius:var(--r-md);padding:1.9rem 1.6rem;color:var(--paper);
  transition:transform .28s ease,background .28s ease,border-color .28s ease;
}
.pay-card2:hover{transform:translateY(-6px);background:rgba(252,250,243,.1);border-color:rgba(226,163,60,.55)}
.pay-card2 .ico{width:48px;height:48px;border-radius:11px;background:rgba(226,163,60,.15);color:var(--gold);display:grid;place-items:center;margin-bottom:1.1rem}
.pay-card2 .ico svg{width:24px;height:24px}
.pay-card2 h3{font-family:var(--display);font-size:1.2rem;color:var(--gold-soft);margin-bottom:.7rem;font-weight:600}
.pay-card2 p{font-size:.9rem;color:rgba(252,250,243,.78);margin-bottom:.7rem}

/* --- Division 06 · debt steps --- */
.debt-stack{display:flex;flex-direction:column;gap:20px}
.debt-row{
  display:grid;grid-template-columns:150px 1fr auto;gap:26px;align-items:center;background:var(--paper);
  border:1px solid var(--line);border-left:5px solid var(--gold);border-radius:var(--r-md);padding:1.8rem 1.9rem;
  transition:transform .28s ease,box-shadow .28s ease;
}
.debt-row:hover{transform:translateX(8px);box-shadow:var(--shadow)}
.debt-step{font-size:.68rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-dk)}
.debt-row h3{font-family:var(--display);font-size:1.35rem;color:var(--ink);margin:.3rem 0 .6rem;font-weight:600}
.debt-row p{font-size:.92rem;color:var(--muted);margin-bottom:.6rem}

/* --- Division 07/08 · warranty --- */
.war-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.war-card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);padding:1.9rem 1.65rem;
  display:flex;flex-direction:column;gap:.9rem;transition:transform .28s ease,box-shadow .28s ease,border-color .28s ease;
}
.war-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:rgba(201,134,31,.55)}
.war-card h3{font-family:var(--display);font-size:1.3rem;color:var(--ink);font-weight:600}
.war-card p{font-size:.9rem;color:var(--muted)}
.war-card ul{display:flex;flex-direction:column;gap:.5rem;margin-top:auto;padding-top:.5rem}
.war-card ul li{display:flex;gap:.6rem;align-items:flex-start;font-size:.84rem;font-weight:700;color:var(--pine)}
.war-card ul svg{width:15px;height:15px;color:var(--gold-dk);flex:none;margin-top:4px}
.dark .war-card{background:rgba(252,250,243,.07);border-color:var(--line-lt)}
.dark .war-card h3{color:var(--gold-soft)}
.dark .war-card p{color:rgba(252,250,243,.78)}
.dark .war-card ul li{color:rgba(252,250,243,.9)}

/* services quick-nav chips */
.svc-quick{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:2rem}
.svc-quick a{
  padding:.55rem 1.05rem;border-radius:100px;border:1.5px solid rgba(252,250,243,.4);color:var(--paper);
  font-weight:700;font-size:.82rem;transition:.25s;
}
.svc-quick a:hover{background:var(--gold);border-color:var(--gold);color:var(--ink)}

/* ---------- why choose us ---------- */
.why{background:var(--pine);position:relative;overflow:hidden}
.why::before{content:"";position:absolute;inset:0;background:
  radial-gradient(640px 320px at 100% 0%,rgba(226,163,60,.16),transparent 60%),
  repeating-linear-gradient(90deg,transparent 0 43px,rgba(255,255,255,.035) 43px 44px);}
.why .wrap{position:relative}
.why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:46px}
.why-card{
  display:flex;gap:1.2rem;background:rgba(252,250,243,.06);border:1px solid var(--line-lt);border-radius:var(--r-md);
  padding:1.7rem 1.6rem;transition:transform .28s ease,background .28s ease,border-color .28s ease;
}
.why-card:hover{transform:translateY(-5px);background:rgba(252,250,243,.11);border-color:rgba(226,163,60,.5)}
.why-card .n{
  flex:none;width:46px;height:46px;border-radius:50%;border:1.5px solid var(--gold);color:var(--gold);
  display:grid;place-items:center;font-family:var(--display);font-weight:700;
}
.why-card h3{font-family:var(--display);color:var(--gold-soft);font-size:1.18rem;margin-bottom:.45rem;font-weight:600}
.why-card p{font-size:.92rem;color:rgba(252,250,243,.8)}

/* ---------- testimonials ---------- */
.tm-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.tm{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);padding:2rem 1.75rem;
  display:flex;flex-direction:column;gap:1.1rem;transition:transform .28s ease,box-shadow .28s ease;position:relative;
}
.tm:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.tm::before{content:"“";font-family:var(--display);font-size:4.4rem;color:var(--gold);position:absolute;top:.4rem;right:1.2rem;line-height:1;opacity:.55}
.tm .stars{display:flex;gap:3px;color:var(--gold-dk)}
.tm .stars svg{width:16px;height:16px}
.tm .rate{font-size:.78rem;font-weight:800;letter-spacing:.1em;color:var(--gold-dk);margin-left:.5rem;align-self:center}
.tm blockquote{font-size:.94rem;color:var(--text);flex:1}
.tm-who{display:flex;gap:.9rem;align-items:center;border-top:1px dashed var(--line);padding-top:1.1rem}
.tm-av{width:46px;height:46px;border-radius:50%;background:var(--pine);color:var(--gold);display:grid;place-items:center;font-weight:800;font-size:.85rem;flex:none}
.tm-who b{display:block;color:var(--ink);font-size:.95rem}
.tm-who span{font-size:.78rem;color:var(--muted)}

/* ---------- FAQ ---------- */
.faq-wrap{max-width:840px;margin-inline:auto;display:flex;flex-direction:column;gap:14px}
.faq-item{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;transition:border-color .25s ease}
.faq-item.open{border-color:rgba(201,134,31,.6)}
.faq-q{
  width:100%;display:flex;justify-content:space-between;align-items:center;gap:1rem;text-align:left;
  padding:1.25rem 1.5rem;font-weight:800;color:var(--ink);font-size:1rem;
}
.faq-q .pm{flex:none;width:30px;height:30px;border-radius:50%;background:rgba(14,75,65,.1);color:var(--pine);display:grid;place-items:center;transition:.3s}
.faq-q .pm svg{width:14px;height:14px;transition:transform .3s ease}
.faq-item.open .pm{background:var(--gold);color:var(--ink)}
.faq-item.open .pm svg{transform:rotate(45deg)}
.faq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .4s ease}
.faq-a>div{overflow:hidden}
.faq-a p{padding:0 1.5rem 1.35rem;color:var(--muted);font-size:.94rem}
.faq-item.open .faq-a{grid-template-rows:1fr}

/* ---------- CTA + contact info ---------- */
.cta{background:var(--ink);color:var(--paper);position:relative;overflow:hidden}
.cta::before{content:"";position:absolute;inset:0;background:
  radial-gradient(700px 340px at 12% 110%,rgba(14,75,65,.8),transparent 60%),
  radial-gradient(560px 300px at 95% -10%,rgba(226,163,60,.2),transparent 60%);}
.cta .wrap{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.cta h2{font-size:clamp(1.9rem,3.4vw,2.6rem)}
.info-list{display:flex;flex-direction:column;gap:1rem;margin-top:1.8rem}
.info-list li{display:flex;gap:1rem;align-items:center;background:rgba(252,250,243,.06);border:1px solid var(--line-lt);border-radius:var(--r-md);padding:1rem 1.2rem;transition:.25s}
.info-list li:hover{border-color:rgba(226,163,60,.55);transform:translateX(6px)}
.info-list .ico{width:44px;height:44px;border-radius:10px;background:rgba(226,163,60,.15);color:var(--gold);display:grid;place-items:center;flex:none}
.info-list .ico svg{width:21px;height:21px}
.info-list .lbl{font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;color:rgba(252,250,243,.55);font-weight:800}
.info-list .val{font-weight:700;font-size:.98rem}

/* ---------- forms ---------- */
.form-card{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:2.6rem 2.4rem;box-shadow:var(--shadow);
}
.form-card h3{font-family:var(--display);font-size:1.7rem;color:var(--ink);font-weight:600;margin-bottom:.6rem}
.form-card>p{color:var(--muted);font-size:.95rem;margin-bottom:1.8rem}
.f-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem 1.4rem}
.fld{display:flex;flex-direction:column;gap:.4rem}
.fld.full{grid-column:1/-1}
.fld label{font-weight:800;font-size:.84rem;color:var(--ink)}
.fld input,.fld select,.fld textarea{
  border:1.5px solid var(--line);border-radius:var(--r-sm);padding:.8rem .95rem;background:#fff;outline:none;
  transition:border-color .25s ease,box-shadow .25s ease;width:100%;
}
.fld textarea{min-height:130px;resize:vertical}
.fld input:focus,.fld select:focus,.fld textarea:focus{border-color:var(--pine);box-shadow:0 0 0 3px rgba(14,75,65,.14)}
.fld.bad input,.fld.bad select,.fld.bad textarea{border-color:#c0392b;box-shadow:0 0 0 3px rgba(192,57,43,.12)}
.fld .fmsg{font-size:.76rem;font-weight:700;color:#c0392b;min-height:1em}
.consent{display:flex;gap:.8rem;align-items:flex-start;font-size:.86rem;color:var(--muted)}
.consent input{width:19px;height:19px;margin-top:2px;accent-color:var(--pine);flex:none}
.consent.bad{color:#c0392b;font-weight:700}
.form-actions{grid-column:1/-1;display:flex;gap:1rem;align-items:center;flex-wrap:wrap}
.form-note{grid-column:1/-1;font-size:.86rem;color:var(--muted)}
.form-note a{color:var(--pine);font-weight:800;text-decoration:underline;text-underline-offset:3px}
.form-note a:hover{color:var(--gold-dk)}

/* success panel */
.success-panel{
  background:var(--paper);border:1.5px solid var(--gold-dk);border-radius:var(--r-lg);
  padding:3rem 2.4rem;text-align:center;box-shadow:var(--shadow);animation:fadePanel .5s ease;
}
.success-panel .ok{width:72px;height:72px;border-radius:50%;background:rgba(14,75,65,.1);color:var(--pine);display:grid;place-items:center;margin:0 auto 1.3rem}
.success-panel .ok svg{width:36px;height:36px}
.success-panel h3{font-family:var(--display);font-size:2rem;color:var(--ink);font-weight:700;margin-bottom:.7rem}
.success-panel p{color:var(--muted);max-width:56ch;margin:0 auto 1rem}
.ref-id{display:inline-block;background:var(--ink);color:var(--gold);font-weight:800;padding:.55rem 1.2rem;border-radius:100px;font-size:.9rem;letter-spacing:.04em;margin-bottom:1.6rem}
.unsub-done{display:flex;gap:1rem;align-items:flex-start;background:rgba(14,75,65,.08);border:1.5px solid var(--pine);border-radius:var(--r-md);padding:1.4rem 1.5rem;animation:fadePanel .5s ease }
.unsub-done svg{width:26px;height:26px;color:var(--pine);flex:none;margin-top:2px}
.unsub-done b{display:block;color:var(--ink);margin-bottom:.25rem}
.unsub-done p{font-size:.9rem;color:var(--muted)}

/* ---------- legal pages ---------- */
.legal{max-width:860px;margin-inline:auto}
.legal-sec{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);padding:2rem 2.1rem;margin-bottom:1.2rem;transition:border-color .25s ease}
.legal-sec:hover{border-color:rgba(201,134,31,.5)}
.legal-sec h3{font-family:var(--display);font-size:1.22rem;color:var(--pine);font-weight:600;margin-bottom:.7rem;display:flex;gap:.7rem;align-items:baseline}
.legal-sec h3 span{color:var(--gold-dk);font-size:.95rem;font-weight:700}
.legal-sec p{color:var(--muted);font-size:.95rem}
.legal-actions{text-align:center;margin-top:2.4rem}

/* ---------- footer ---------- */
.site-footer{background:var(--pine-xd);color:rgba(252,250,243,.82)}
.foot-top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:44px;padding:70px 0 54px;border-bottom:1px solid var(--line-lt)}
.foot-brand p{font-size:.9rem;margin-top:1.1rem;max-width:38ch;color:rgba(252,250,243,.7)}
.foot-col h4{font-size:.72rem;font-weight:800;letter-spacing:.24em;text-transform:uppercase;color:var(--gold);margin-bottom:1.2rem}
.foot-col ul li{margin-bottom:.65rem}
.foot-col a{font-size:.92rem;transition:color .2s ease,padding-left .2s ease}
.foot-col a:hover{color:var(--gold);padding-left:5px}
.foot-bottom{padding:1.4rem 0;font-size:.82rem;color:rgba(252,250,243,.55);text-align:center}

/* ---------- toasts ---------- */
.toast-zone{position:fixed;bottom:22px;right:22px;z-index:300;display:flex;flex-direction:column;gap:12px;max-width:min(400px,calc(100vw - 32px))}
.toast{
  background:var(--ink);color:var(--paper);border-radius:var(--r-md);border-left:5px solid var(--gold);
  padding:1rem 1.15rem;display:flex;gap:.85rem;align-items:flex-start;box-shadow:0 20px 44px -14px rgba(0,0,0,.5);
  position:relative;overflow:hidden;animation:toastIn .4s cubic-bezier(.2,.9,.3,1.2);
}
.toast.out{animation:toastOut .35s ease forwards}
@keyframes toastIn{from{opacity:0;transform:translateX(60px) scale(.95)}to{opacity:1;transform:none}}
@keyframes toastOut{to{opacity:0;transform:translateX(60px)}}
.toast .t-ico{width:34px;height:34px;border-radius:9px;display:grid;place-items:center;flex:none}
.toast .t-ico svg{width:18px;height:18px}
.toast-success .t-ico{background:rgba(74,222,128,.16);color:#4ade80}
.toast-error .t-ico{background:rgba(248,113,113,.16);color:#f87171}
.toast-error{border-left-color:#f87171}
.toast-info .t-ico{background:rgba(226,163,60,.18);color:var(--gold)}
.toast-info{border-left-color:var(--gold)}
.toast b{display:block;font-size:.92rem;margin-bottom:.15rem}
.toast p{font-size:.82rem;color:rgba(252,250,243,.75)}
.toast .t-x{margin-left:auto;color:rgba(252,250,243,.55);font-size:1.05rem;line-height:1;padding:.1rem .2rem}
.toast .t-x:hover{color:var(--paper)}
.toast .t-bar{position:absolute;left:0;bottom:0;height:3px;background:var(--gold);animation:tbar 5s linear forwards}
.toast-error .t-bar{background:#f87171}
@keyframes tbar{from{width:100%}to{width:0}}

/* back to top */
.to-top{
  position:fixed;bottom:22px;left:22px;z-index:120;width:46px;height:46px;border-radius:50%;
  background:var(--pine);color:var(--gold);display:grid;place-items:center;box-shadow:var(--shadow);
  opacity:0;pointer-events:none;transform:translateY(14px);transition:.3s;border:1.5px solid var(--gold-dk);
}
.to-top.show{opacity:1;pointer-events:auto;transform:none}
.to-top:hover{background:var(--gold);color:var(--ink)}
.to-top svg{width:18px;height:18px}

/* ---------- responsive ---------- */
@media(max-width:1080px){
  .hero .wrap{grid-template-columns:1fr;gap:44px}
  .feat-grid{grid-template-columns:1fr 1fr}
  .div-preview{grid-template-columns:1fr 1fr}
  .pillar-grid,.pay-grid,.war-grid,.tm-grid,.ins-index ol{grid-template-columns:1fr 1fr}
  .foot-top{grid-template-columns:1fr 1fr}
  .about-grid,.cta .wrap,.calc-wrap{grid-template-columns:1fr}
}
@media(max-width:900px){
  .main-nav{
    position:fixed;inset:0 0 auto 0;top:0;padding:100px 6% 34px;background:var(--paper);
    flex-direction:column;align-items:flex-start;gap:1.2rem;transform:translateY(-105%);
    transition:transform .4s ease;box-shadow:0 30px 50px -20px rgba(10,38,34,.4);z-index:-1;
  }
  .site-header.nav-open .main-nav{transform:none}
  .nav-toggle{display:flex;z-index:5}
  .main-nav .btn{width:100%}
  .top-strip .wrap span:last-child{display:none}
  .inv-row{grid-template-columns:1fr}
  .inv-row:nth-child(even) .inv-copy{order:0}
  .debt-row{grid-template-columns:1fr;text-align:left}
}
@media(max-width:640px){
  .section{padding:66px 0}
  .feat-grid,.div-preview,.pillar-grid,.pay-grid,.war-grid,.tm-grid,.why-grid,.loan-grid,.ins-index ol,.f-grid{grid-template-columns:1fr}
  .f-grid{gap:1.1rem}
  .form-card{padding:1.9rem 1.4rem}
  .foot-top{grid-template-columns:1fr;gap:34px;padding:52px 0 40px}
  .toast-zone{left:16px;right:16px;bottom:16px}
  .board-rows{grid-template-columns:1fr}
  .stat-row{gap:1.6rem}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms !important;animation-iteration-count:1 !important;transition-duration:.01ms !important}
  html{scroll-behavior:auto}
  .rv{opacity:1;transform:none}
}