/* Castle View Finance — site styles.
   Brand kept from the original: navy #0E1542, crimson #DB124C, grey headings,
   M PLUS Rounded 1c + Poppins, and the 16px/4px asymmetric button corners.
   Signature motif: battlements (crenellations) from the castle in the logo. */

:root {
  --navy: #0E1542;
  --navy-2: #1b2563;
  --navy-3: #2c377a;
  --crimson: #DB124C;
  --crimson-d: #b30d3d;
  --blush: #fdeef3;
  --ink: #232838;
  --grey: #515151;
  --muted: #5d6273;
  --line: #e3e5ee;
  --mist: #f4f5fa;
  --paper: #ffffff;
  --on-navy: #c8cde6;
  --r-btn: 16px 4px;
  --r-card: 20px 6px;
  --r: 12px;
  --shadow: 0 1px 2px rgba(14, 21, 66, .06), 0 8px 28px rgba(14, 21, 66, .08);
  --shadow-lg: 0 20px 60px rgba(14, 21, 66, .18);
  --head: "M PLUS Rounded 1c", "Poppins", system-ui, sans-serif;
  --body: "Poppins", system-ui, -apple-system, "Segoe UI", sans-serif;
  --wrap: 1200px;
  --gut: 24px;
  --crenel: 14px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 96px; }
body { margin: 0; font: 400 16px/1.7 var(--body); color: var(--ink); background: var(--paper); overflow-x: hidden; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--crimson); text-underline-offset: 3px; }
a:hover { color: var(--crimson-d); }
h1, h2, h3, h4 { font-family: var(--head); color: var(--navy); line-height: 1.15; margin: 0 0 .5em; letter-spacing: -.005em; }
h3 { font-size: 1.15rem; font-weight: 800; }
p { margin: 0 0 1em; }
ul, ol { margin: 0; padding: 0; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--crimson); outline-offset: 2px; border-radius: 4px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 12px; top: -60px; z-index: 100; background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 8px; }
.skip:focus { top: 12px; }
.ic { width: 1.25em; height: 1.25em; flex: none; }
.wrap { width: 100%; max-width: calc(var(--wrap) + var(--gut) * 2); margin: 0 auto; padding: 0 var(--gut); }
.center { text-align: center; }
.mt { margin-top: 32px; }
.small { font-size: .85rem; color: var(--muted); }

/* --------------------------------------------------------- type helpers */
.duo { text-transform: uppercase; font-weight: 500; color: var(--grey); font-size: clamp(1.7rem, 3.2vw, 2.5rem); letter-spacing: .01em; }
.duo b { font-weight: 800; color: var(--navy); }
h1.duo { font-size: clamp(2.1rem, 4.6vw, 3.4rem); }
.kicker { font: 700 .78rem/1.3 var(--head); letter-spacing: .14em; text-transform: uppercase; color: var(--crimson); margin: 0 0 12px; display: flex; align-items: center; gap: 8px; }
.lead { font-size: 1.1rem; color: var(--muted); max-width: 60ch; }
.sec { padding: clamp(56px, 8vw, 96px) 0; }
.sec.wrap { padding-left: var(--gut); padding-right: var(--gut); }
.sec-head { margin-bottom: 36px; max-width: 860px; }
.sec-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.sec-head.center .kicker { justify-content: center; }
.sec-head .duo { margin-bottom: 12px; }
.sec-sub { color: var(--muted); font-size: 1.05rem; margin: 0; }
.intro { font-size: 1.15rem; max-width: 70ch; color: var(--grey); margin-bottom: 40px; }

/* --------------------------------------------------------------- buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 24px; border: 2px solid var(--crimson); border-radius: var(--r-btn);
  background: var(--crimson); color: #fff; text-decoration: none; cursor: pointer;
  font: 800 .85rem/1.2 var(--head); letter-spacing: .08em; text-transform: uppercase;
  transition: background .2s, border-color .2s, color .2s, transform .2s, box-shadow .2s;
}
.btn .ic { width: 1.1em; height: 1.1em; transition: transform .2s; }
.btn:hover { background: var(--crimson-d); border-color: var(--crimson-d); color: #fff; transform: translateY(-1px); box-shadow: 0 6px 18px rgba(219, 18, 76, .3); }
.btn:hover .ic { transform: translateX(3px); }
.btn-line { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-line:hover { background: var(--navy); border-color: var(--navy); color: #fff; box-shadow: 0 6px 18px rgba(14, 21, 66, .25); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .55); }
.btn-ghost:hover { background: #fff; border-color: #fff; color: var(--navy); }
.btn-ghost:hover .ic { transform: none; }
.btn-sm { padding: 10px 18px; font-size: .78rem; }
.btn-block { width: 100%; }
.btns { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.linkish { background: none; border: 0; padding: 0; color: var(--crimson); text-decoration: underline; cursor: pointer; font-size: inherit; }

/* ---------------------------------------------------------------- header */
.topbar { background: var(--navy); color: var(--on-navy); font-size: .8rem; }
.topbar-in { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 36px; }
.topbar span, .topbar a { display: inline-flex; align-items: center; gap: 6px; color: var(--on-navy); text-decoration: none; }
.topbar a:hover { color: #fff; }
.topbar .ic { width: 15px; height: 15px; color: var(--crimson); }
.tb-r { gap: 22px !important; }
.hdr { position: sticky; top: 0; z-index: 50; background: #fff; transition: box-shadow .25s; }
.hdr::after { content: ""; display: block; height: 4px; background: linear-gradient(90deg, var(--navy), var(--crimson)); }
.hdr.scrolled { box-shadow: 0 6px 24px rgba(14, 21, 66, .1); }
.hdr-in { display: flex; align-items: center; gap: 20px; min-height: 80px; }
.logo { flex: none; margin-right: auto; }
.logo img { height: 60px; width: auto; }
.nav ul { list-style: none; display: flex; align-items: center; gap: 2px; }
.nav li { position: relative; display: flex; align-items: center; }
.nl { display: block; padding: 10px 12px; color: var(--ink); text-decoration: none; font-weight: 500; font-size: .93rem; border-radius: 8px; white-space: nowrap; }
.nl:hover, .nav li.on > .nl { color: var(--crimson); }
.sub-tog { background: none; border: 0; padding: 4px; margin-left: -10px; color: var(--muted); cursor: pointer; display: grid; place-items: center; border-radius: 6px; }
.sub-tog .ic { width: 15px; height: 15px; transition: transform .2s; }
.sub { position: absolute; top: calc(100% + 6px); left: 0; min-width: 250px; background: #fff; border-radius: var(--r-card); box-shadow: var(--shadow-lg); padding: 10px; opacity: 0; visibility: hidden; transform: translateY(6px); transition: opacity .18s, transform .18s, visibility .18s; border-top: 3px solid var(--crimson); }
.sub a { display: block; padding: 9px 14px; color: var(--ink); text-decoration: none; font-size: .9rem; border-radius: 8px; }
.sub a:hover { background: var(--mist); color: var(--crimson); }
.sub .sub-all { font-weight: 600; color: var(--navy); border-bottom: 1px solid var(--line); border-radius: 8px 8px 0 0; margin-bottom: 4px; }
.has-sub:hover .sub, .has-sub:focus-within .sub, .has-sub.open .sub { opacity: 1; visibility: visible; transform: none; }
.has-sub:hover .sub-tog .ic, .has-sub.open .sub-tog .ic { transform: rotate(180deg); }
.nav-foot { display: none; }
.burger { display: none; width: 46px; height: 46px; border: 0; background: var(--mist); border-radius: 12px 3px; cursor: pointer; flex-direction: column; justify-content: center; align-items: center; gap: 5px; }
.burger span { display: block; width: 22px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform .25s, opacity .25s; }
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ----------------------------------------------------------------- hero */
.hero { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); min-height: min(640px, 82vh); }
.hero-media { position: relative; }
.hero-media > img { width: 100%; height: 100%; object-fit: cover; object-position: 62% 50%; border-radius: 0 0 120px 0; }
.hero-copy { display: flex; flex-direction: column; justify-content: center; padding: 56px max(var(--gut), calc((100vw - var(--wrap)) / 2)) 56px clamp(32px, 5vw, 72px); }
.hero-h { font-size: clamp(2.3rem, 4.8vw, 3.6rem); line-height: 1.06; margin-bottom: 20px; }
.hero-h b { display: block; }
.hero-tel { margin: 18px 0 0; color: var(--muted); font-size: .95rem; }
.hero-tel a { font-weight: 600; color: var(--navy); }
.qe { position: absolute; left: max(var(--gut), calc((100vw - var(--wrap)) / 2)); bottom: 40px; width: 330px; z-index: 2; }
.card { background: #fff; border-radius: var(--r-card); box-shadow: var(--shadow); border: 1px solid var(--line); }
.pad { padding: 28px; }
.qe { padding: 22px; }
.qe-k { display: flex; align-items: center; gap: 8px; font: 800 .82rem/1 var(--head); text-transform: uppercase; letter-spacing: .08em; color: var(--navy); margin-bottom: 14px; }
.qe-k .ic { color: var(--crimson); }
.qe .fld { margin-bottom: 10px; }
.qe-out { background: var(--navy); color: #fff; border-radius: 12px 4px; padding: 14px 16px; margin: 14px 0 10px; }
.qe-out span { display: block; font-size: .78rem; color: var(--on-navy); }
.qe-out b { font: 800 1.35rem/1.25 var(--head); }
.qe-link { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; font-size: .88rem; text-decoration: none; }

/* -------------------------------------------------------------- stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; margin-top: -1px; padding-top: 36px; padding-bottom: 8px; }
.stat { padding: 8px 24px; border-left: 3px solid var(--line); }
.stat:first-child { border-color: var(--crimson); }
.stat b { display: block; font: 800 2.2rem/1.1 var(--head); color: var(--navy); }
.stat span { font-size: .9rem; color: var(--muted); }

/* ----------------------------------------------------------- forms */
.fld { display: flex; flex-direction: column; gap: 6px; font-size: .88rem; }
.fld > span:first-child { font-weight: 500; color: var(--ink); }
.fld i { color: var(--crimson); font-style: normal; }
.fld small { color: var(--muted); font-size: .76rem; }
.fld input, .fld select, .fld textarea, .money { width: 100%; border: 1.5px solid #cfd3e1; border-radius: 10px 3px; background: #fff; padding: 11px 14px; font-size: 1rem; transition: border-color .15s, box-shadow .15s; }
.fld input:focus, .fld select:focus, .fld textarea:focus, .money:focus-within { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(14, 21, 66, .12); }
.fld textarea { resize: vertical; min-height: 120px; }
.money { display: flex; align-items: center; gap: 8px; padding: 0 14px; }
.money i { color: var(--muted) !important; font-weight: 600; }
.money input { border: 0 !important; padding: 11px 0 !important; box-shadow: none !important; min-width: 0; background: transparent; }
.fld.invalid input, .fld.invalid textarea, .fld.invalid .money { border-color: var(--crimson); }
.fgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.fgrid .full, .fld.full { grid-column: 1 / -1; }
.hp { position: absolute; left: -9999px; }
.form-msg { color: var(--crimson); font-weight: 500; margin: 12px 0 0; font-size: .9rem; }
.form-done { display: flex; gap: 12px; align-items: center; background: #ecf8f1; color: #145c36; border-radius: 12px 4px; padding: 14px 16px; margin-top: 14px; }
.form-done[hidden], .form-msg[hidden] { display: none; }
.form-done .ic { color: #1a8a4f; }
.form-done p { margin: 0; }
form.sent > :not(.form-done):not(h2):not(h3):not(.kicker):not(.modal-x) { display: none; }
input[type="range"] { accent-color: var(--crimson); width: 100%; }
.seg { display: inline-flex; background: var(--mist); border-radius: 14px 4px; padding: 4px; margin-bottom: 20px; gap: 4px; }
.seg label { cursor: pointer; }
.seg input { position: absolute; opacity: 0; pointer-events: none; }
.seg span { display: block; padding: 9px 18px; border-radius: 11px 3px; font-weight: 500; font-size: .9rem; color: var(--muted); transition: background .15s, color .15s; }
.seg input:checked + span { background: #fff; color: var(--navy); box-shadow: 0 2px 8px rgba(14, 21, 66, .1); font-weight: 600; }
.seg input:focus-visible + span { outline: 3px solid var(--crimson); }
.seg.col { display: grid; width: 100%; margin-top: 16px; }
.seg.col span { padding: 12px 16px; }
.seg.col b { display: block; color: var(--navy); }
.tick { display: flex; gap: 10px; align-items: center; margin-top: 14px; cursor: pointer; font-size: .92rem; }
.tick input { width: 18px; height: 18px; accent-color: var(--crimson); }

/* --------------------------------------------------- audience tabs */
.aud { background: var(--mist); border-radius: 28px 8px; padding: 10px; }
.aud-tabs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 6px; }
.aud-tabs button, .st-tabs button, .calc-tabs button { border: 0; background: transparent; padding: 14px 12px; border-radius: 18px 5px; font: 700 .95rem/1.25 var(--head); color: var(--muted); cursor: pointer; transition: background .15s, color .15s; }
.aud-tabs button:hover, .st-tabs button:hover, .calc-tabs button:hover { color: var(--navy); background: rgba(255, 255, 255, .6); }
.aud-tabs button[aria-selected="true"], .st-tabs button[aria-selected="true"], .calc-tabs button[aria-selected="true"] { background: var(--navy); color: #fff; }
.aud-panel { display: grid; grid-template-columns: 1.1fr 1fr; gap: 40px; align-items: center; background: #fff; border-radius: 22px 6px; padding: clamp(24px, 4vw, 44px); margin-top: 10px; }
.aud-panel[hidden] { display: none; }
.aud-panel h3 { font-size: 1.5rem; }
.aud-panel p { color: var(--muted); }
.ticks { list-style: none; display: grid; gap: 10px; }
.ticks li { display: flex; gap: 10px; align-items: flex-start; }
.ticks .ic { color: var(--crimson); width: 18px; height: 18px; margin-top: 4px; }
.ticks.big li { background: var(--mist); border-radius: 12px 4px; padding: 12px 16px; font-weight: 500; color: var(--navy); }
.ticks.big .ic { margin-top: 3px; }

/* ------------------------------------------------------ navy band */
.band-navy { background: var(--navy); color: var(--on-navy); position: relative; }
.band-navy .duo { color: var(--on-navy); }
.band-navy .duo b { color: #fff; }
.band-navy .sec-sub { color: var(--on-navy); }
.band-mist { background: var(--mist); }
/* Battlements along the top edge — the castle in the logo, abstracted. */
.crenel { margin-top: var(--crenel); }
.crenel::before { content: ""; position: absolute; left: 0; right: 0; top: calc(var(--crenel) * -1 + 1px); height: var(--crenel); background: inherit;
  -webkit-mask: repeating-linear-gradient(90deg, #000 0 34px, transparent 34px 56px); mask: repeating-linear-gradient(90deg, #000 0 34px, transparent 34px 56px); }
.diffs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.diff { background: var(--navy-2); border-radius: var(--r-card); padding: 32px; border: 1px solid rgba(255, 255, 255, .08); }
.diff h3 { color: #fff; font-size: 1.2rem; }
.diff p { margin: 0; }
.diff .ico, .svc-card .ico, .grp .ico, .reg-card .ico, .c-list .ico { display: grid; place-items: center; width: 52px; height: 52px; border-radius: 16px 4px; background: var(--crimson); color: #fff; margin-bottom: 18px; flex: none; }
.diff.light { background: #fff; border: 1px solid var(--line); box-shadow: var(--shadow); }
.diff.light h3 { color: var(--navy); }
.diff.light p { color: var(--muted); }

/* ----------------------------------------------------------- journey */
.journey { position: relative; }
.j-track { position: absolute; left: 10%; right: 10%; top: 27px; height: 4px; background: var(--line); border-radius: 4px; }
.j-fill { height: 100%; width: calc(var(--p) * 100%); background: linear-gradient(90deg, var(--navy), var(--crimson)); border-radius: 4px; transition: width .4s ease; }
.j-steps { list-style: none; display: grid; grid-template-columns: repeat(5, 1fr); position: relative; }
.j-steps button { display: flex; flex-direction: column; align-items: center; gap: 10px; width: 100%; background: none; border: 0; cursor: pointer; padding: 0 6px; }
.j-num { display: grid; place-items: center; width: 58px; height: 58px; border-radius: 50%; background: #fff; border: 3px solid var(--line); font: 800 1.3rem/1 var(--head); color: var(--muted); transition: all .25s; }
.j-t { font: 700 .95rem/1.25 var(--head); color: var(--muted); text-align: center; }
.j-step.done .j-num { border-color: var(--navy); color: var(--navy); }
.j-step.on .j-num { background: var(--crimson); border-color: var(--crimson); color: #fff; transform: scale(1.08); box-shadow: 0 8px 20px rgba(219, 18, 76, .35); }
.j-step.on .j-t, .j-step.done .j-t { color: var(--navy); }
.j-body { margin: 36px auto 0; max-width: 780px; background: var(--mist); border-radius: 26px 8px; padding: clamp(24px, 4vw, 40px); position: relative; }
.j-panel h3 { font-size: 1.5rem; }
.j-panel p { color: var(--muted); }
.j-k { font: 700 .75rem/1 var(--head) !important; letter-spacing: .14em; text-transform: uppercase; color: var(--crimson) !important; }
.j-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 8px; }

/* -------------------------------------------------------- groups */
.grps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.grp { background: #fff; border-radius: var(--r-card); padding: 28px; border: 1px solid var(--line); display: flex; flex-direction: column; transition: transform .2s, box-shadow .2s; }
.grp:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.grp-top { text-decoration: none; }
.grp-top h3 { font-size: 1.25rem; }
.grp p { color: var(--muted); font-size: .92rem; }
.grp ul { list-style: none; margin-top: auto; border-top: 1px solid var(--line); padding-top: 10px; }
.grp li a { display: flex; justify-content: space-between; align-items: center; padding: 7px 0; color: var(--navy); text-decoration: none; font-weight: 500; font-size: .92rem; }
.grp li a .ic { width: 16px; height: 16px; color: var(--crimson); opacity: 0; transform: translateX(-4px); transition: all .2s; }
.grp li a:hover { color: var(--crimson); }
.grp li a:hover .ic { opacity: 1; transform: none; }

/* --------------------------------------------------------- trust */
.trust-split { display: grid; grid-template-columns: 1.6fr 1fr; gap: 48px; align-items: start; }
.whys { display: grid; gap: 22px; }
.whys.three { grid-template-columns: repeat(3, 1fr); }
.whys.four { grid-template-columns: repeat(4, 1fr); }
.why { padding-left: 22px; border-left: 4px solid var(--crimson); }
.why h3 { font-size: 1.2rem; text-transform: uppercase; letter-spacing: .03em; }
.why p { color: var(--muted); margin: 0; }
.team-mini { padding: 28px; display: grid; gap: 14px; }
.face { display: flex; align-items: center; gap: 14px; text-decoration: none; color: var(--muted); font-size: .85rem; padding: 6px; border-radius: 14px 4px; transition: background .15s; }
.face:hover { background: var(--mist); }
.face img { width: 64px; height: 64px; border-radius: 50%; }
.face b { display: block; color: var(--navy); font-family: var(--head); font-size: 1rem; }

/* ------------------------------------------------------- tools/ftb teaser */
.tools2 { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.tool-teaser, .ftb-teaser { background: #fff; border-radius: 28px 8px; padding: clamp(28px, 4vw, 44px); border: 1px solid var(--line); }
.ftb-teaser { background: var(--navy); color: var(--on-navy); border: 0; position: relative; overflow: hidden; }
.ftb-teaser .duo { color: var(--on-navy); }
.ftb-teaser .duo b { color: #fff; }
.ftb-teaser ol { columns: 2; column-gap: 24px; margin: 8px 0 26px 18px; font-size: .9rem; }
.ftb-teaser li { margin-bottom: 8px; break-inside: avoid; }
.ftb-teaser li::marker { color: var(--crimson); font-weight: 700; }
.ftb-teaser a:not(.btn) { color: #fff; text-decoration: none; }
.ftb-teaser a:not(.btn):hover { text-decoration: underline; }
.tt-list { display: grid; gap: 10px; margin-top: 8px; }
.tt-list a { display: flex; gap: 16px; align-items: center; padding: 16px 18px; border-radius: 16px 4px; background: var(--mist); text-decoration: none; color: var(--muted); font-size: .88rem; transition: background .15s, transform .15s; }
.tt-list a:hover { background: var(--blush); transform: translateX(4px); }
.tt-list .ic { width: 28px; height: 28px; color: var(--crimson); }
.tt-list b { display: block; color: var(--navy); font-family: var(--head); font-size: 1.05rem; }

/* ----------------------------------------------------------- posts */
.news-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 20px; flex-wrap: wrap; }
.news-head .sec-head { margin-bottom: 30px; }
.news-head .btn { margin-bottom: 36px; }
.posts { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.post { display: grid; grid-template-columns: 220px 1fr; background: #fff; border: 1px solid var(--line); border-radius: var(--r-card); overflow: hidden; text-decoration: none; color: var(--muted); transition: transform .2s, box-shadow .2s; }
.post:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.post img { width: 100%; height: 100%; object-fit: cover; min-height: 220px; }
.post > div { padding: 24px; }
.post time { font: 700 .75rem/1 var(--head); letter-spacing: .12em; text-transform: uppercase; color: var(--crimson); }
.post h3 { margin-top: 10px; font-size: 1.15rem; }
.post p { font-size: .9rem; }
.more { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; font-size: .88rem; color: var(--crimson); }
.more .ic { width: 16px; height: 16px; transition: transform .2s; }
a:hover .more .ic { transform: translateX(3px); }

/* ------------------------------------------------------------- faqs */
.faq-split { display: grid; grid-template-columns: 1fr 1.6fr; gap: 48px; align-items: start; }
.faqs { display: grid; gap: 10px; }
.faq { background: #fff; border: 1px solid var(--line); border-radius: 16px 4px; }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; gap: 16px; align-items: center; padding: 18px 22px; font: 700 1.02rem/1.35 var(--head); color: var(--navy); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .ic { color: var(--crimson); transition: transform .2s; }
.faq[open] summary .ic { transform: rotate(180deg); }
.faq-a { padding: 0 22px 6px; color: var(--muted); }

/* --------------------------------------------------------- mailing list */
.news-band { background: linear-gradient(100deg, var(--navy) 0%, var(--navy-2) 55%, #4a1a55 100%); color: var(--on-navy); padding: 48px 0; }
.nl-in { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: center; }
.news-band .duo { color: var(--on-navy); margin-bottom: 6px; }
.news-band .duo b { color: #fff; }
.news-band p { margin: 0; }
.nl-form { display: flex; flex-wrap: wrap; gap: 10px; }
.nl-form input[type="email"] { flex: 1 1 240px; padding: 14px 18px; border-radius: 16px 4px; border: 0; font-size: 1rem; }
.nl-form .form-done { flex-basis: 100%; }
.nl-form .form-msg { flex-basis: 100%; color: #ffb3c8; }

/* ---------------------------------------------------------- cta band */
.cta-band { background: var(--navy); color: var(--on-navy); position: relative; overflow: hidden; padding: clamp(56px, 7vw, 88px) 0; margin-top: var(--crenel); }
.cta-band::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: var(--crenel); background: #fff;
  -webkit-mask: repeating-linear-gradient(90deg, transparent 0 34px, #000 34px 56px); mask: repeating-linear-gradient(90deg, transparent 0 34px, #000 34px 56px); }
.band-mist + .cta-band::before { background: var(--mist); }
.cta-in { display: grid; grid-template-columns: 1.2fr 1fr; gap: 48px; align-items: center; position: relative; z-index: 1; }
.cta-band .duo { color: var(--on-navy); }
.cta-band .duo b { color: #fff; }
.cta-band p { font-size: 1.05rem; max-width: 52ch; }
.cta-tel { display: flex; flex-wrap: wrap; gap: 12px 28px; margin-top: 22px; }
.cta-tel a { display: inline-flex; align-items: center; gap: 10px; color: #fff; text-decoration: none; font: 800 1.35rem/1 var(--head); }
.cta-tel .ic { color: var(--crimson); }
.cb-form { padding: 28px; display: grid; gap: 14px; color: var(--ink); }
.cb-form h3 { margin: 0; }
.castle { color: currentColor; }
.cta-castle { position: absolute; right: -40px; bottom: -6px; width: min(700px, 70vw); color: rgba(255, 255, 255, .07); }

/* ------------------------------------------------------------ page hero */
.phero { background: var(--navy); color: var(--on-navy); position: relative; overflow: hidden; padding: clamp(48px, 7vw, 88px) 0 calc(clamp(56px, 8vw, 96px) + var(--crenel)); }
.phero::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: var(--crenel); background: #fff;
  -webkit-mask: repeating-linear-gradient(90deg, transparent 0 34px, #000 34px 56px); mask: repeating-linear-gradient(90deg, transparent 0 34px, #000 34px 56px); }
.phero-in { position: relative; z-index: 1; }
.phero .duo { color: var(--on-navy); max-width: 18ch; }
.phero .duo b { color: #fff; }
.phero h1.duo b { display: block; }
.phero .lead { color: var(--on-navy); }
.phero .kicker { color: #ff6b93; }
.phero-castle { position: absolute; right: max(-60px, calc((100vw - var(--wrap)) / 2 - 140px)); bottom: calc(var(--crenel) - 2px); width: min(620px, 58vw); color: rgba(255, 255, 255, .13); }
.crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: .82rem; margin-bottom: 26px; color: var(--on-navy); }
.crumbs a { color: #fff; text-decoration: none; opacity: .85; }
.crumbs a:hover { opacity: 1; text-decoration: underline; }
.crumbs i { font-style: normal; opacity: .5; }

/* ------------------------------------------------------------- services */
.svc-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 22px; }
.svc-card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--r-card); padding: 30px; text-decoration: none; color: var(--muted); transition: transform .2s, box-shadow .2s, border-color .2s; }
.svc-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.svc-card h3 { font-size: 1.25rem; }
.svc-card p { font-size: .93rem; flex: 1; }
.svc-main { display: grid; grid-template-columns: minmax(0, 1.65fr) minmax(0, 1fr); gap: 56px; align-items: start; }
.svc-copy > p { font-size: 1.06rem; color: var(--grey); }
.svc-copy > p:first-child::first-line { color: var(--navy); font-weight: 500; }
.pts { display: grid; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); gap: 18px; margin: 36px 0; }
.pt { background: var(--mist); border-radius: 18px 5px; padding: 24px; }
.pt-ic { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 12px 3px; background: var(--navy); color: #fff; margin-bottom: 14px; }
.pt-ic .ic { width: 18px; height: 18px; }
.pt h3 { font-size: 1.05rem; }
.pt p { margin: 0; font-size: .92rem; color: var(--muted); }
.svc-aside { display: grid; gap: 20px; position: sticky; top: 110px; }
.who h3 { font-size: 1.2rem; }
.who .ticks { font-size: .93rem; }
.aside-cta { background: var(--blush); border-color: #f6d3df; }
.aside-cta p:not(.kicker) { color: var(--muted); font-size: .93rem; }
.warn { display: flex; gap: 14px; align-items: flex-start; background: #fff7e6; border: 1px solid #f2dfb3; border-left: 4px solid #e2a516; border-radius: 4px 14px 14px 4px; padding: 16px 20px; margin: 24px 0 0; color: #5c4710; font-size: .9rem; }
.warn .ic { color: #c48a06; margin-top: 2px; }
.warn p { margin: 0; font-weight: 500; }
.rels { margin-top: 28px; display: grid; gap: 8px; }
.rel { display: flex; align-items: center; gap: 12px; background: #fff; border: 1px solid var(--line); border-radius: 14px 4px; padding: 12px 16px; text-decoration: none; color: var(--navy); font-weight: 500; font-size: .93rem; transition: border-color .15s; }
.rel span { flex: 1; }
.rel .ic:first-child { color: var(--crimson); }
.rel .ic:last-child { width: 16px; height: 16px; color: var(--muted); }
.rel:hover { border-color: var(--crimson); color: var(--crimson); }

/* -------------------------------------------------------------- about */
.story { display: grid; grid-template-columns: 1.1fr 1fr; gap: 56px; align-items: center; }
.story-copy p { color: var(--grey); font-size: 1.04rem; }
.story-fig { margin: 0; position: relative; }
.story-fig img { border-radius: 60px 12px; aspect-ratio: 4 / 5; object-fit: cover; width: 100%; }
.story-fig figcaption { position: absolute; left: -24px; bottom: 28px; background: #fff; box-shadow: var(--shadow); border-radius: 16px 4px; padding: 16px 20px; max-width: 280px; font-size: .88rem; color: var(--muted); }
.story-fig b { color: var(--navy); }
.reg-card { display: flex; align-items: center; gap: 28px; padding: 32px; }
.reg-card .ico { margin: 0; }
.reg-card p { color: var(--muted); margin-bottom: .5em; }
.reg-card img { width: 170px; flex: none; }

/* -------------------------------------------------------------- team */
.members { display: grid; gap: 28px; }
.member { display: grid; grid-template-columns: 260px 1fr; gap: 40px; align-items: start; background: #fff; border: 1px solid var(--line); border-radius: 28px 8px; padding: 28px; }
.member img { border-radius: 24px 6px; width: 100%; }
.m-role { font: 700 .78rem/1.3 var(--head); letter-spacing: .12em; text-transform: uppercase; color: var(--crimson); margin-bottom: 6px; }
.member h2 { font-size: 1.9rem; text-transform: uppercase; }
.member p { color: var(--grey); }
.chips { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; margin: 4px 0 18px; }
.chips li { background: var(--mist); color: var(--navy); border-radius: 999px; padding: 5px 14px; font-size: .8rem; font-weight: 500; }
.m-more summary { list-style: none; cursor: pointer; display: inline-flex; align-items: center; gap: 6px; font-weight: 600; color: var(--crimson); }
.m-more summary::-webkit-details-marker { display: none; }
.m-more summary .ic { width: 16px; height: 16px; transition: transform .2s; }
.m-more[open] summary .ic { transform: rotate(180deg); }
.m-more > div { margin-top: 14px; padding: 20px; background: var(--mist); border-radius: 16px 4px; }
.myth { margin: 0; }
.myth b { color: var(--navy); }
.two-col { display: grid; grid-template-columns: 1.4fr 1fr; gap: 48px; align-items: center; }
.two-col.top { align-items: start; }
.two-col p { color: var(--grey); }

/* ---------------------------------------------------------- process */
.timeline { list-style: none; position: relative; display: grid; gap: 0; }
.timeline::before { content: ""; position: absolute; left: 23px; top: 24px; bottom: 24px; width: 3px; background: linear-gradient(var(--navy), var(--crimson)); border-radius: 3px; }
.timeline li { display: grid; grid-template-columns: 48px 1fr; gap: 22px; padding-bottom: 28px; position: relative; }
.tl-n { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 50%; background: #fff; border: 3px solid var(--navy); color: var(--navy); font: 800 1.15rem/1 var(--head); position: relative; z-index: 1; }
.timeline li:last-child .tl-n { background: var(--crimson); border-color: var(--crimson); color: #fff; }
.timeline h3 { margin-top: 10px; }
.timeline p { color: var(--muted); margin: 0; }
.side-stack { display: grid; gap: 20px; position: sticky; top: 110px; }
.side-stack h3, .card h3 { display: flex; align-items: center; gap: 10px; }
.side-stack h3 .ic { color: var(--crimson); }
.fee-card b { color: var(--navy); }

/* ---------------------------------------------------------- investors */
.strat { background: #fff; border-radius: 28px 8px; padding: 10px; border: 1px solid var(--line); display: grid; grid-template-columns: 270px 1fr; gap: 10px; }
.st-tabs { display: grid; gap: 4px; align-content: start; }
.st-tabs button { text-align: left; }
.st-panel { padding: clamp(20px, 3vw, 36px); background: var(--mist); border-radius: 22px 6px; }
.st-panel[hidden] { display: none; }
.st-panel h3 { font-size: 1.5rem; }
.st-panel > p { color: var(--muted); }
.route { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; margin: 6px 0 22px; counter-reset: r; }
.route li { background: #fff; border-radius: 14px 4px; padding: 16px 14px; font-size: .88rem; font-weight: 500; color: var(--navy); position: relative; }
.route li span { display: grid; place-items: center; width: 28px; height: 28px; border-radius: 50%; background: var(--crimson); color: #fff; font: 800 .8rem/1 var(--head); margin-bottom: 10px; }
.route li:not(:last-child)::after { content: ""; position: absolute; right: -9px; top: 26px; width: 8px; height: 2px; background: var(--crimson); }
.st-l { font-size: .92rem; color: var(--muted); margin: 0; }
.st-l b { color: var(--navy); }
.minis { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 16px; }
.mini { background: var(--mist); border-radius: 18px 5px; padding: 22px 24px; border-top: 3px solid var(--crimson); }
.mini h3 { font-size: 1.05rem; }
.mini p { margin: 0; font-size: .9rem; color: var(--muted); }
.minis.dark .mini { background: var(--navy-2); }
.minis.dark h3 { color: #fff; }
.minis.dark p { color: var(--on-navy); }

/* -------------------------------------------------------------- ftb */
.ftb { display: grid; grid-template-columns: 290px 1fr; gap: 56px; align-items: start; }
.ftb-nav { position: sticky; top: 110px; display: grid; gap: 20px; }
.ftb-nav ol { list-style: none; display: grid; gap: 2px; }
.ftb-nav ol a { display: flex; gap: 12px; align-items: center; padding: 9px 12px; border-radius: 12px 3px; text-decoration: none; color: var(--muted); font-size: .9rem; font-weight: 500; transition: background .15s, color .15s; }
.ftb-nav ol a span { display: grid; place-items: center; width: 26px; height: 26px; border-radius: 50%; background: var(--mist); font: 800 .78rem/1 var(--head); color: var(--navy); flex: none; transition: all .15s; }
.ftb-nav ol a:hover { background: var(--mist); color: var(--navy); }
.ftb-nav ol a.on { background: var(--navy); color: #fff; }
.ftb-nav ol a.on span { background: var(--crimson); color: #fff; }
.guide { padding: 36px 0; border-bottom: 1px solid var(--line); }
.guide:first-child { padding-top: 0; }
.g-n { font: 700 .75rem/1 var(--head); letter-spacing: .14em; text-transform: uppercase; color: var(--crimson); }
.guide h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); text-transform: uppercase; }
.guide p { color: var(--grey); font-size: 1.03rem; }
.guide p b { color: var(--navy); }
.guide .ticks { background: var(--mist); border-radius: 18px 5px; padding: 20px 24px; margin-top: 18px; }

/* ----------------------------------------------------------- calculators */
.calc-tabs { display: inline-flex; gap: 6px; background: var(--mist); padding: 6px; border-radius: 22px 6px; margin-bottom: 28px; flex-wrap: wrap; }
.calc-tabs button { display: inline-flex; align-items: center; gap: 8px; padding: 12px 20px; }
.calc { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr); gap: 28px; align-items: start; }
.calc[hidden] { display: none; }
.calc-in h2 { font-size: 1.5rem; }
.calc-out { padding: 30px; position: sticky; top: 110px; background: var(--navy); color: var(--on-navy); border: 0; }
.co-k { margin: 0 0 4px; font-size: .9rem; }
.co-big { font: 800 clamp(1.9rem, 3.6vw, 2.6rem)/1.15 var(--head); color: #fff; margin-bottom: 14px; }
.co-chip { display: inline-block; background: rgba(219, 18, 76, .2); color: #ffb3c8; border: 1px solid rgba(219, 18, 76, .5); border-radius: 999px; padding: 4px 12px; font-size: .8rem; font-weight: 500; }
.co-chip[hidden] { display: none; }
.co-dl { margin: 10px 0 18px; display: grid; gap: 0; }
.co-dl div { display: flex; justify-content: space-between; gap: 16px; padding: 11px 0; border-bottom: 1px solid rgba(255, 255, 255, .12); font-size: .92rem; }
.co-dl dt { color: var(--on-navy); }
.co-dl dd { margin: 0; color: #fff; font-weight: 600; text-align: right; }
.co-note { font-size: .78rem; line-height: 1.55; color: #a7add0; }
.co-note a { color: #fff; }
.app2 { transition: opacity .2s; }
.app2[hidden] { display: none; }
.chart { margin: 0 0 16px; }
.chart svg { width: 100%; height: auto; }
.chart figcaption { display: flex; gap: 14px; align-items: center; font-size: .78rem; flex-wrap: wrap; }
.chart i { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: -8px; }
.chart .k1 { background: #8fa0ff; }
.chart .k2 { background: var(--crimson); }
.bands { width: 100%; border-collapse: collapse; font-size: .88rem; margin: 6px 0 16px; }
.bands th { text-align: left; font-weight: 500; color: var(--on-navy); padding: 6px 0; border-bottom: 1px solid rgba(255, 255, 255, .2); }
.bands td { padding: 8px 0; border-bottom: 1px solid rgba(255, 255, 255, .1); color: #fff; }
.bands th:last-child, .bands td:last-child { text-align: right; }
.modal { border: 0; padding: 0; border-radius: 28px 8px; width: min(520px, calc(100vw - 32px)); box-shadow: var(--shadow-lg); }
.modal::backdrop { background: rgba(14, 21, 66, .55); backdrop-filter: blur(3px); }
.modal-in { padding: 32px; display: grid; gap: 14px; position: relative; }
.modal-in h2 { font-size: 1.6rem; margin: 0; }
.modal-in p { color: var(--muted); margin: 0; }
.modal-x { position: absolute; right: 16px; top: 16px; width: 40px; height: 40px; border: 0; border-radius: 12px 3px; background: var(--mist); display: grid; place-items: center; cursor: pointer; }

/* -------------------------------------------------------------- posts */
.post-main { display: grid; grid-template-columns: minmax(0, 1.65fr) minmax(0, 1fr); gap: 56px; align-items: start; }
.cl-progress { display: flex; align-items: center; gap: 14px; background: var(--mist); border-radius: 16px 4px; padding: 14px 20px; position: sticky; top: 100px; z-index: 2; font-size: .88rem; }
.cl-progress .bar { flex: 1; height: 8px; background: #dfe2ee; border-radius: 8px; overflow: hidden; }
.cl-progress i { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--navy), var(--crimson)); transition: width .3s; }
.cl-progress b { color: var(--navy); white-space: nowrap; }
.cl-sec { padding: 28px 0 8px; }
.cl-sec h2 { font-size: 1.4rem; text-transform: uppercase; }
.cl { list-style: none; display: grid; gap: 8px; }
.cl label { display: flex; gap: 14px; align-items: flex-start; padding: 13px 16px; border: 1px solid var(--line); border-radius: 14px 4px; cursor: pointer; transition: background .15s, border-color .15s; }
.cl label:hover { border-color: #c5c9da; }
.cl input { width: 20px; height: 20px; accent-color: var(--crimson); margin-top: 3px; flex: none; }
.cl input:checked + span { color: var(--muted); text-decoration: line-through; text-decoration-color: var(--crimson); }
.cl label:has(input:checked) { background: var(--mist); }

/* ------------------------------------------------------------- contact */
.contact { display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr); gap: 32px; align-items: start; }
.contact-form { display: grid; gap: 18px; }
.contact-form h2 { margin: 0; font-size: 1.5rem; }
.contact-side { display: grid; gap: 16px; }
.c-list { display: grid; gap: 4px; padding: 18px; }
.c-list a, .c-list > div { display: flex; gap: 14px; align-items: center; padding: 10px; border-radius: 14px 4px; text-decoration: none; color: var(--navy); font-weight: 500; overflow-wrap: anywhere; }
.c-list a:hover { background: var(--mist); }
.c-list .ico { width: 44px; height: 44px; margin: 0; }
.c-list small { display: block; color: var(--muted); font-weight: 400; font-size: .78rem; }
.map { height: 300px; overflow: hidden; z-index: 0; }
.dir { display: inline-flex; align-items: center; gap: 6px; }
.prose { max-width: 820px; }
.prose h2 { font-size: 1.4rem; margin-top: 1.6em; }
.prose p { color: var(--grey); }
.pin-mark { width: 40px; height: 40px; border-radius: 50% 50% 50% 0; background: var(--crimson); transform: rotate(-45deg); border: 3px solid #fff; box-shadow: 0 4px 12px rgba(0, 0, 0, .3); }

/* --------------------------------------------------------------- footer */
.ftr { background: #fff; color: var(--muted); font-size: .9rem; }
.ftr-rule { height: 4px; background: linear-gradient(90deg, var(--navy), var(--crimson)); }
.ftr-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-top: 56px; padding-bottom: 40px; }
.ftr h3 { font-size: .82rem; letter-spacing: .14em; text-transform: uppercase; color: var(--navy); margin-bottom: 14px; }
.ftr ul { list-style: none; display: grid; gap: 7px; }
.ftr a { color: var(--muted); text-decoration: none; }
.ftr a:hover { color: var(--crimson); }
.ftr-brand img:first-child { width: 176px; margin-bottom: 16px; }
.nacfb { width: 170px; margin-top: 18px; }
.ftr address { font-style: normal; margin-bottom: 20px; }
.ftr-contact a { display: flex; align-items: center; gap: 8px; margin-bottom: 7px; overflow-wrap: anywhere; }
.ftr-contact .ic { width: 16px; height: 16px; color: var(--crimson); }
.legal { border-top: 1px solid var(--line); padding-top: 28px; padding-bottom: 32px; font-size: .78rem; line-height: 1.65; }
.legal p { margin-bottom: .9em; }
.legal a { color: var(--navy); text-decoration: underline; }
.legal-warn { font-size: .9rem; color: var(--navy); }
.legal-foot { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; border-top: 1px solid var(--line); padding-top: 18px; margin: 18px 0 0 !important; }

/* ----------------------------------------------------------------- chat */
.chat { position: fixed; right: 20px; bottom: 20px; z-index: 60; }
.chat-fab { display: flex; align-items: center; gap: 10px; background: var(--navy); color: #fff; border: 0; border-radius: 22px 6px; padding: 14px 20px; font: 800 .88rem/1 var(--head); text-transform: uppercase; letter-spacing: .06em; cursor: pointer; box-shadow: var(--shadow-lg); transition: transform .2s, background .2s; }
.chat-fab:hover { background: var(--crimson); transform: translateY(-2px); }
.chat-fab[aria-expanded="true"] { display: none; }
.chat-panel { position: absolute; right: 0; bottom: 0; width: min(380px, calc(100vw - 32px)); height: min(560px, calc(100vh - 110px)); background: #fff; border-radius: 26px 8px; box-shadow: var(--shadow-lg); display: flex; flex-direction: column; overflow: hidden; }
.chat-panel[hidden] { display: none; }
.chat-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; background: var(--navy); color: #fff; padding: 16px 18px; }
.chat-head b { font-family: var(--head); display: block; }
.chat-head small { color: var(--on-navy); font-size: .76rem; }
.chat-x { background: rgba(255, 255, 255, .12); color: #fff; border: 0; width: 36px; height: 36px; border-radius: 10px 3px; display: grid; place-items: center; cursor: pointer; }
.chat-log { flex: 1; overflow-y: auto; padding: 16px; display: grid; gap: 10px; align-content: start; background: var(--mist); }
.msg { max-width: 86%; padding: 10px 14px; border-radius: 16px 4px; font-size: .9rem; line-height: 1.55; }
.msg p { margin: 0 0 .5em; }
.msg p:last-child { margin: 0; }
.msg.bot { background: #fff; border: 1px solid var(--line); }
.msg.me { background: var(--navy); color: #fff; justify-self: end; border-radius: 4px 16px; }
.msg.typing { color: var(--muted); font-style: italic; }
.chat-chips { display: flex; gap: 6px; overflow-x: auto; padding: 10px 14px 0; background: #fff; }
.chat-chips button { flex: none; border: 1px solid var(--line); background: #fff; border-radius: 999px; padding: 6px 12px; font-size: .78rem; cursor: pointer; color: var(--navy); }
.chat-chips button:hover { border-color: var(--crimson); color: var(--crimson); }
.chat-form { display: flex; gap: 8px; padding: 12px 14px 4px; background: #fff; }
.chat-form input { flex: 1; min-width: 0; border: 1.5px solid #cfd3e1; border-radius: 12px 3px; padding: 10px 12px; }
.chat-form input:focus { outline: none; border-color: var(--navy); }
.chat-form button { width: 44px; border: 0; border-radius: 12px 3px; background: var(--crimson); color: #fff; display: grid; place-items: center; cursor: pointer; }
.chat-note { margin: 0; padding: 4px 14px 12px; font-size: .7rem; color: var(--muted); background: #fff; }

/* --------------------------------------------------------------- cookie */
.cookie { position: fixed; left: 20px; bottom: 20px; z-index: 55; max-width: 420px; background: #fff; border-radius: 20px 6px; box-shadow: var(--shadow-lg); padding: 18px 20px; display: flex; gap: 14px; align-items: center; font-size: .85rem; border-top: 3px solid var(--crimson); }
.cookie[hidden] { display: none; }
.cookie p { margin: 0; color: var(--muted); }

/* --------------------------------------------------------------- reveal */
.js .rv { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.js .rv.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; scroll-behavior: auto !important; }
  .js .rv { opacity: 1; transform: none; }
}

/* ------------------------------------------------------------ responsive */
@media (max-width: 1180px) {
  .nl { padding: 10px 9px; font-size: .88rem; }
  .hdr-btn { display: none; }
  .grps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 1020px) {
  .burger { display: flex; }
  .nav { position: fixed; inset: 0 0 0 auto; top: 0; width: min(380px, 100vw); background: #fff; padding: 96px 24px 32px; overflow-y: auto; transform: translateX(100%); transition: transform .3s ease, visibility .3s; visibility: hidden; box-shadow: var(--shadow-lg); z-index: 1; }
  .nav.open { transform: none; visibility: visible; }
  .nav ul { flex-direction: column; align-items: stretch; gap: 0; }
  .nav li { flex-wrap: wrap; border-bottom: 1px solid var(--line); }
  .nl { flex: 1; padding: 14px 4px; font-size: 1rem; }
  .sub-tog { margin: 0; width: 44px; height: 44px; }
  .sub { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 0 0 10px 8px; min-width: 0; width: 100%; display: none; border-radius: 0; }
  .has-sub:hover .sub { display: none; }
  .has-sub.open .sub { display: block; }
  .has-sub:hover .sub-tog .ic { transform: none; }
  .has-sub.open .sub-tog .ic { transform: rotate(180deg); }
  .nav-foot { display: grid; gap: 14px; margin-top: 24px; }
  .nav-tel { display: flex; align-items: center; justify-content: center; gap: 8px; font-weight: 600; color: var(--navy); text-decoration: none; }
  .burger { position: relative; z-index: 2; }
  .hero { grid-template-columns: 1fr; min-height: 0; }
  .hero-copy { order: -1; padding: 48px var(--gut) 40px; }
  .hero-media > img { height: 420px; border-radius: 0 80px 0 0; }
  .qe { position: relative; left: auto; bottom: auto; width: auto; margin: -110px var(--gut) 0; }
  .stats { grid-template-columns: repeat(2, 1fr); gap: 20px 0; }
  .diffs, .whys.three { grid-template-columns: 1fr; }
  .whys.four { grid-template-columns: repeat(2, 1fr); }
  .trust-split, .faq-split, .tools2, .nl-in, .cta-in, .svc-main, .story, .two-col, .calc, .contact, .post-main { grid-template-columns: 1fr; }
  .svc-aside, .side-stack, .calc-out { position: static; }
  .aud-tabs { grid-template-columns: repeat(2, 1fr); }
  .aud-panel { grid-template-columns: 1fr; gap: 24px; }
  .posts { grid-template-columns: 1fr; }
  .ftr-grid { grid-template-columns: 1fr 1fr; }
  .strat { grid-template-columns: 1fr; }
  .st-tabs { grid-template-columns: repeat(3, 1fr); }
  .ftb { grid-template-columns: 1fr; gap: 24px; }
  .ftb-nav { position: static; }
  .ftb-nav ol { grid-template-columns: 1fr 1fr; }
  .story-fig figcaption { left: 16px; }
  .member { grid-template-columns: 200px 1fr; gap: 28px; }
}
@media (max-width: 680px) {
  :root { --gut: 16px; --crenel: 10px; }
  .topbar { display: none; }
  .hdr-in { min-height: 68px; }
  .logo img { height: 48px; }
  .hero-media > img { height: 320px; border-radius: 0 60px 0 0; }
  .qe { margin-top: -80px; }
  .stat { padding: 6px 14px; }
  .stat b { font-size: 1.8rem; }
  .fgrid { grid-template-columns: 1fr; }
  .grps, .whys.four { grid-template-columns: 1fr; }
  .j-track { display: none; }
  .j-steps { grid-template-columns: 1fr; gap: 8px; }
  .j-steps button { flex-direction: row; gap: 14px; padding: 4px; }
  .j-num { width: 44px; height: 44px; font-size: 1.05rem; }
  .j-t { text-align: left; }
  .j-body { margin-top: 20px; }
  .post { grid-template-columns: 1fr; }
  .post img { min-height: 0; aspect-ratio: 16 / 9; }
  .ftr-grid { grid-template-columns: 1fr; gap: 28px; }
  .ftb-teaser ol { columns: 1; }
  .route { grid-template-columns: 1fr 1fr; }
  .route li:not(:last-child)::after { display: none; }
  .st-tabs { grid-template-columns: 1fr 1fr; }
  .ftb-nav ol { grid-template-columns: 1fr; }
  .member { grid-template-columns: 1fr; padding: 20px; }
  .member img { max-width: 220px; }
  .reg-card { flex-direction: column; align-items: flex-start; }
  .calc-tabs { display: grid; grid-template-columns: 1fr; width: 100%; }
  .seg:not(.col) { display: flex; }
  .chat { right: 12px; bottom: 12px; }
  .chat-fab span { display: none; }
  .chat-fab { padding: 14px; }
  .cookie { left: 12px; right: 76px; bottom: 12px; }
  .story-fig figcaption { position: static; margin-top: 12px; max-width: none; }
  .cta-tel a { font-size: 1.15rem; }
  .pad { padding: 22px; }
}