/* ==========================================================================
   Erika Sanchez · Barrett Financial Group
   Design system — flat, no decorative layers.

   Colour rules:
   - Three surfaces only: --bg, --bg-deep, --surface. All flat, no gradients.
   - Two text tones: --text, --text-soft. Hierarchy comes from size, not colour.
   - One accent: --gold. Used for emphasis, never for decoration.
   - Depth comes from borders and surface steps, never from shadows or glows.
   ========================================================================== */

:root{
  /* surfaces */
  --bg:        oklch(0.170 0.040 258);
  --bg-deep:   oklch(0.138 0.036 258);
  --surface:   oklch(0.218 0.043 258);

  /* text */
  --text:      oklch(0.955 0.010 90);
  --text-soft: oklch(0.800 0.018 250);

  /* accent */
  --gold:      oklch(0.845 0.085 86);
  --gold-hover:oklch(0.895 0.080 90);
  --gold-ink:  oklch(0.185 0.040 258);

  /* lines */
  --line:      oklch(0.84 0.06 86 / 0.22);
  --line-soft: oklch(0.84 0.06 86 / 0.11);

  /* status */
  --ok:        oklch(0.78 0.12 158);
  --err:       oklch(0.76 0.15 25);

  /* payment breakdown — distinct hues, functional not decorative */
  --data-1:    oklch(0.845 0.085 86);
  --data-2:    oklch(0.700 0.095 240);
  --data-3:    oklch(0.740 0.090 165);
  --data-4:    oklch(0.620 0.020 252);
  --data-5:    oklch(0.680 0.110 30);

  --display:'Cormorant Garamond', Georgia, 'Times New Roman', serif;
  --body:'Manrope', system-ui, -apple-system, sans-serif;
  --ease:cubic-bezier(0.2,0,0,1);
  --maxw:1220px;
  --pad:32px;
}

/* --------------------------------------------------------- reset + base */
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:120px}
body{
  font-family:var(--body);color:var(--text);background:var(--bg);
  line-height:1.62;-webkit-font-smoothing:antialiased;overflow-x:hidden;
}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
img.img-missing{display:none}
svg{display:block}
ul{list-style:none}
button{font:inherit;color:inherit;background:none;border:none;cursor:pointer}
input,select,textarea{font:inherit;color:inherit}
h1,h2,h3,h4{font-family:var(--display);font-weight:400;line-height:1.08;letter-spacing:0}
em{font-style:italic}
strong{font-weight:700}
hr{border:none;border-top:1px solid var(--line-soft);margin:44px 0}

:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:2px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--gold-ink);padding:12px 18px;z-index:300;font-weight:700}
.skip:focus{left:12px;top:12px}
.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}

/* --------------------------------------------------------- layout */
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad)}
.section{padding:104px 0}
.section-sm{padding:72px 0}
.section-alt{background:var(--bg-deep);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}
.center{text-align:center}
.center .sub,.center .lede{margin-inline:auto}

.eyebrow{font-size:.75rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}
.label{display:inline-flex;align-items:center;gap:14px;font-size:.75rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}
.label::before{content:"";width:30px;height:1px;background:var(--gold);flex:none}
.center .label{justify-content:center}
.gold-text{color:var(--gold)}

h1.display{font-size:clamp(2.9rem,6.4vw,5.4rem);font-weight:300;letter-spacing:-.01em}
h2.h2{font-size:clamp(2.2rem,4.4vw,3.3rem);font-weight:300;margin-top:20px}
h2.h2 em{color:var(--gold)}
h3.h3{font-size:1.5rem;font-weight:500}
.sub{font-size:1.05rem;color:var(--text-soft);margin-top:16px;max-width:60ch}
.lede{font-size:1.14rem;color:var(--text);margin-top:20px;max-width:56ch;line-height:1.6}
.body-text{color:var(--text-soft);margin-top:16px;max-width:62ch}
.section-head{max-width:720px}

/* --------------------------------------------------------- buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5em;
  font-family:var(--body);font-weight:600;font-size:.94rem;
  padding:.9em 1.7em;border-radius:2px;cursor:pointer;border:1px solid transparent;
  min-height:48px;transition:background .15s var(--ease),color .15s var(--ease),border-color .15s var(--ease);
  white-space:nowrap;text-align:center;
}
.btn-gold{background:var(--gold);color:var(--gold-ink)}
.btn-gold:hover{background:var(--gold-hover)}
.btn-ghost{background:transparent;color:var(--text);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}
.btn-block{width:100%}
.btn-sm{padding:.7em 1.2em;font-size:.86rem;min-height:44px}
.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}
.center .btn-row{justify-content:center}

.textlink{
  display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:.84rem;
  letter-spacing:.06em;text-transform:uppercase;color:var(--gold);
  min-height:44px;transition:color .15s var(--ease);
}
.textlink:hover{color:var(--gold-hover)}

/* --------------------------------------------------------- topline */
.topline{background:var(--bg-deep);border-bottom:1px solid var(--line-soft)}
.topline .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;font-size:.8rem}
.topline-l{letter-spacing:.04em;color:var(--text-soft)}
.topline-r{display:flex;gap:20px;align-items:center}
.topline-r a{
  color:var(--text-soft);display:inline-flex;align-items:center;gap:7px;
  min-height:44px;padding:0 2px;transition:color .15s var(--ease);
}
.topline-r a:hover{color:var(--gold)}
.topline-r .i{width:13px;height:13px;fill:currentColor}

/* --------------------------------------------------------- header + nav */
#site-header{
  position:sticky;top:0;z-index:100;background:var(--bg);
  border-bottom:1px solid transparent;transition:border-color .15s var(--ease);
}
#site-header.scrolled{border-color:var(--line-soft)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:84px;gap:24px}

.logo{display:flex;align-items:center;flex:none;min-height:48px}
.logo img{height:40px;width:auto;filter:brightness(0) invert(1)}
.logo-text{display:none;line-height:1.2}
.logo-text b{display:block;font-family:var(--display);font-size:1.35rem;font-weight:500}
.logo-text i{display:block;font-style:normal;font-size:.6rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.logo.no-img .logo-text{display:block}

.menu{display:flex;align-items:center;gap:2px}
.menu>li{position:relative}
.menu>li>a,.drop-toggle{
  display:inline-flex;align-items:center;gap:6px;padding:0 14px;min-height:48px;
  font-size:.92rem;font-weight:500;color:var(--text);
  transition:color .15s var(--ease);font-family:var(--body);
}
.menu>li>a:hover,.drop-toggle:hover{color:var(--gold)}
.menu>li>a.is-active,.has-sub.is-active>.drop-toggle{color:var(--gold)}
.menu>li>a.is-active::after,.has-sub.is-active>.drop-toggle::after{
  content:"";position:absolute;left:14px;right:14px;bottom:14px;height:1px;background:var(--gold);
}
.caret{
  width:7px;height:7px;border-right:1.6px solid currentColor;border-bottom:1.6px solid currentColor;
  transform:rotate(45deg) translateY(-2px);transition:transform .15s var(--ease);
}
.drop-toggle[aria-expanded="true"] .caret{transform:rotate(225deg) translateY(-2px)}

.submenu{
  position:absolute;top:100%;left:0;min-width:262px;background:var(--surface);
  border:1px solid var(--line);border-radius:3px;padding:6px;
  display:none;
}
.submenu.show{display:block}
.submenu a{
  display:flex;align-items:center;justify-content:space-between;gap:10px;
  padding:0 12px;min-height:44px;font-size:.9rem;border-radius:2px;color:var(--text-soft);
  transition:background .15s var(--ease),color .15s var(--ease);
}
.submenu a:hover,.submenu a.is-active{background:var(--bg-deep);color:var(--gold)}
.submenu .ext{font-size:.72rem;opacity:.7}

.apply-link{margin-left:8px;flex:none}
.apply-link a{
  display:inline-flex;align-items:center;min-height:48px;background:var(--gold);color:var(--gold-ink);
  padding:0 22px;border-radius:2px;font-weight:700;font-size:.92rem;transition:background .15s var(--ease);
}
.apply-link a:hover{background:var(--gold-hover)}

.burger{display:none;flex-direction:column;gap:5px;padding:12px;min-width:48px;min-height:48px;align-items:center;justify-content:center}
.burger span{width:24px;height:2px;background:var(--text);transition:transform .15s var(--ease),opacity .15s var(--ease)}

/* --------------------------------------------------------- home hero */
.hero{background:var(--bg)}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center;padding-top:80px;padding-bottom:96px}
.hero-copy .eyebrow{display:block;margin-bottom:26px}
.hero h1{font-size:clamp(3.1rem,7vw,5.8rem);font-weight:300;letter-spacing:-.01em}
.hero .byline{font-family:var(--display);font-size:1.5rem;font-style:italic;color:var(--text-soft);margin-top:18px}
.hero .byline b{font-style:normal;font-weight:500;color:var(--gold)}
.hero .lede{font-size:1.06rem;margin-top:24px;max-width:42ch;color:var(--text-soft)}
.espanol{display:inline-flex;align-items:center;gap:10px;margin-top:26px;font-size:.88rem;color:var(--text-soft)}
.espanol .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);flex:none}

.hero-portrait{position:relative;justify-self:center;width:min(420px,86vw)}
.hero-portrait .arch{
  position:relative;width:100%;aspect-ratio:4/5;border-radius:210px 210px 3px 3px;overflow:hidden;
  border:1px solid var(--line);background:var(--surface);
}
.hero-portrait .arch img{width:100%;height:100%;object-fit:cover;object-position:center 32%;position:relative;z-index:1}
.chip{
  position:absolute;left:-24px;bottom:12%;background:var(--surface);border:1px solid var(--line);
  padding:14px 20px;border-radius:2px;z-index:3;
}
.chip .s{font-size:.7rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.chip b{display:block;font-family:var(--display);font-size:1.2rem;font-weight:500;color:var(--text);margin-top:2px}

/* --------------------------------------------------------- interior hero */
.pagehero{background:var(--bg-deep);border-bottom:1px solid var(--line-soft)}
.pagehero .wrap{padding-top:76px;padding-bottom:76px;max-width:1080px}
.pagehero h1{font-size:clamp(2.5rem,5.2vw,4rem);font-weight:300;margin-top:22px;max-width:19ch}
.pagehero h1 em{color:var(--gold)}
.pagehero .lede{max-width:60ch}
.pagehero .label{display:inline-flex}
.pagehero.has-media .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;max-width:var(--maxw)}
.pagehero .ph{aspect-ratio:5/4;border-radius:3px}

/* photo holder — flat panel, shows a monogram until the image lands */
.ph{position:relative;overflow:hidden;border:1px solid var(--line-soft);border-radius:3px;background:var(--surface)}
.ph img{position:relative;z-index:1;width:100%;height:100%;object-fit:cover}
.ph::before,.arch::before{
  content:"";position:absolute;inset:0;z-index:0;opacity:.16;
  background-repeat:no-repeat;background-position:center;background-size:72px;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 64 64'%3E%3Cpath d='M20 52V32a12 12 0 0 1 24 0v20' fill='none' stroke='%23e9c78a' stroke-width='3' stroke-linecap='round'/%3E%3C/svg%3E");
}

/* --------------------------------------------------------- stats ribbon */
.ribbon{background:var(--bg-deep);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}
.ribbon .wrap{display:grid;grid-template-columns:repeat(3,1fr)}
.rb{padding:48px 36px;border-right:1px solid var(--line-soft);text-align:center}
.rb:last-child{border-right:none}
.rb .num{font-family:var(--display);font-size:clamp(2.4rem,4.4vw,3.4rem);font-weight:300;line-height:1;display:flex;align-items:baseline;justify-content:center;gap:.14em;color:var(--gold)}
.rb .num .star{width:.6em;height:.6em;fill:var(--gold);align-self:center;flex:none}
.rb .lbl{margin-top:12px;font-size:.75rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.rb .sub{font-size:.9rem;color:var(--text-soft);margin-top:6px;max-width:none}

/* --------------------------------------------------------- split */
.split{display:grid;grid-template-columns:.92fr 1.08fr;gap:70px;align-items:center}
.split.reverse{grid-template-columns:1.08fr .92fr}
.split .ph{aspect-ratio:4/5}
.quals{display:flex;gap:8px;flex-wrap:wrap;margin-top:28px}
.qual{font-size:.84rem;font-weight:600;color:var(--text);border:1px solid var(--line);padding:9px 16px;border-radius:2px}

/* --------------------------------------------------------- cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:52px}
.cards-2{grid-template-columns:repeat(2,1fr)}
.cards-4{grid-template-columns:repeat(4,1fr);gap:18px}
.card{
  position:relative;display:flex;flex-direction:column;
  background:var(--surface);border:1px solid var(--line-soft);
  border-radius:3px;padding:36px 32px;
  transition:border-color .15s var(--ease);
}
a.card:hover,.card.hoverable:hover{border-color:var(--gold)}
.card .no{font-family:var(--display);font-size:2.4rem;font-weight:300;line-height:1;color:var(--gold)}
.card h3{font-size:1.4rem;font-weight:500;margin-top:14px;color:var(--text)}
.card p{color:var(--text-soft);margin-top:12px;font-size:1rem;line-height:1.6}
.card .textlink{margin-top:auto;padding-top:20px}
.card ul.ticks{margin-top:16px}

.icon-badge{width:44px;height:44px;border-radius:2px;border:1px solid var(--line);display:grid;place-items:center}
.icon-badge svg{width:20px;height:20px;fill:none;stroke:var(--gold);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}

ul.ticks li{position:relative;padding-left:26px;margin-top:11px;color:var(--text-soft);font-size:.98rem}
ul.ticks li::before{
  content:"";position:absolute;left:0;top:.5em;width:11px;height:6px;
  border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg);
}
ul.bullets li{position:relative;padding-left:20px;margin-top:10px;color:var(--text-soft)}
ul.bullets li::before{content:"";position:absolute;left:4px;top:.72em;width:5px;height:5px;border-radius:50%;background:var(--gold)}

/* --------------------------------------------------------- feature band */
.feature{
  min-height:440px;display:grid;place-items:center;text-align:center;
  background-color:var(--bg-deep);background-size:cover;background-position:center 30%;
  border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft);
}
.feature .inner{max-width:820px;padding:88px 32px}
.feature .eyebrow{display:block;margin-bottom:24px}
.feature h2{font-size:clamp(2.5rem,5vw,4rem);font-weight:300}
.feature h2 em{color:var(--gold)}
.feature .es{font-family:var(--display);font-style:italic;font-size:1.4rem;color:var(--text-soft);margin-top:16px}

/* --------------------------------------------------------- reviews */
.rev-head{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;flex-wrap:wrap}
.rev-rating{font-size:.92rem;color:var(--text-soft);display:flex;align-items:center;gap:12px}
.stars{display:inline-flex;gap:3px}
.stars svg{width:15px;height:15px;fill:var(--gold)}
.featured{
  margin-top:52px;background:var(--surface);border:1px solid var(--line-soft);
  border-left:2px solid var(--gold);border-radius:3px;padding:44px 48px;max-width:980px;
}
.featured .lang{display:block;font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);font-weight:600}
.featured blockquote{font-family:var(--display);font-style:italic;font-size:clamp(1.4rem,2.8vw,2.1rem);line-height:1.36;color:var(--text);margin-top:14px}
.featured cite{display:block;font-style:normal;font-size:.95rem;color:var(--text-soft);font-weight:500;margin-top:20px}
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:20px}

/* review ticker — continuous scroll, pauses so people can actually read */
.marquee{
  position:relative;margin-top:20px;overflow:hidden;
  -webkit-mask-image:linear-gradient(90deg,transparent 0,#000 7%,#000 93%,transparent 100%);
  mask-image:linear-gradient(90deg,transparent 0,#000 7%,#000 93%,transparent 100%);
}
.marquee-track{
  display:flex;gap:20px;width:max-content;
  animation:marquee var(--marquee-duration,60s) linear infinite;
  will-change:transform;
}
.marquee--reverse{margin-top:20px}
.marquee--reverse .marquee-track{animation-direction:reverse}
.marquee:hover .marquee-track,
.marquee:focus-within .marquee-track{animation-play-state:paused}
.marquee .qcard{width:380px;flex:none;margin-top:0}
.marquee-hint{margin-top:14px;font-size:.84rem;color:var(--text-soft)}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(calc(var(--marquee-shift,50%) * -1))}}

/* Reduced motion, and any browser without the JS: a plain scrollable row. */
@media (prefers-reduced-motion:reduce){
  .marquee{mask-image:none;-webkit-mask-image:none;overflow-x:auto}
  .marquee-track{animation:none}
}
.qcard{background:var(--surface);border:1px solid var(--line-soft);border-radius:3px;padding:30px;transition:border-color .15s var(--ease)}
.qcard:hover{border-color:var(--line)}
.qcard blockquote{font-family:var(--display);font-style:italic;font-size:1.16rem;line-height:1.46;margin-top:14px;color:var(--text)}
.qcard cite{display:block;font-style:normal;margin-top:16px;font-size:.88rem;color:var(--text-soft);font-weight:600}
.qcard cite .lang{color:var(--gold);font-weight:600}

/* --------------------------------------------------------- closing band */
.closing{background:var(--bg-deep);text-align:center;padding:112px 0;border-top:1px solid var(--line-soft)}
.closing .box{max-width:760px;margin:0 auto}
.closing .eyebrow{display:block;margin-bottom:22px}
.closing h2{font-size:clamp(2.4rem,4.8vw,3.9rem);font-weight:300}
.closing h2 em{color:var(--gold)}
.closing p{font-size:1.08rem;color:var(--text-soft);margin-top:20px;max-width:52ch;margin-inline:auto}

/* --------------------------------------------------------- contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}
.info{margin-top:32px;display:grid;gap:22px;max-width:40ch}
.info .k{font-size:.74rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.info .v{font-size:1.05rem;margin-top:6px;color:var(--text)}
.info .v a{display:inline-block;min-height:44px;line-height:44px;transition:color .15s var(--ease)}
.info .v a:hover{color:var(--gold)}
.socials{display:flex;gap:10px;margin-top:30px}
.socials a{width:48px;height:48px;border-radius:2px;border:1px solid var(--line);display:grid;place-items:center;transition:border-color .15s var(--ease)}
.socials a:hover{border-color:var(--gold)}
.socials svg{width:18px;height:18px;fill:var(--text-soft);transition:fill .15s var(--ease)}
.socials a:hover svg{fill:var(--gold)}

.panel{align-self:start;background:var(--surface);border:1px solid var(--line);border-radius:3px;padding:40px}
.panel h3{font-size:1.65rem;font-weight:500;color:var(--text)}
.panel p{color:var(--text-soft);margin-top:12px;font-size:1rem}
.panel .btn{margin-top:24px}
.panel .meta{margin-top:14px;font-size:.86rem;color:var(--text-soft);text-align:center}

/* --------------------------------------------------------- forms */
.form{display:grid;gap:18px}
.field{display:grid;gap:7px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field label{font-size:.78rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gold)}
.field input,.field select,.field textarea{
  width:100%;background:var(--bg-deep);border:1px solid var(--line);border-radius:2px;
  padding:13px 14px;min-height:48px;font-size:1rem;color:var(--text);
  transition:border-color .15s var(--ease);
}
.field input::placeholder,.field textarea::placeholder{color:oklch(0.60 0.02 252)}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold)}
.field textarea{resize:vertical;min-height:120px}
.field select{appearance:none;cursor:pointer;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%23e9c78a' stroke-width='1.6' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;background-size:11px;padding-right:38px}
.field .hint{font-size:.84rem;color:var(--text-soft)}
.checkline{display:flex;gap:12px;align-items:flex-start;font-size:.88rem;color:var(--text-soft);line-height:1.55;padding:8px 0;cursor:pointer}
.checkline input{width:20px;height:20px;flex:none;margin-top:2px;accent-color:oklch(0.845 0.085 86)}
.form-note{font-size:.84rem;color:var(--text-soft);line-height:1.6}
.form-status{display:none;padding:14px 16px;border-radius:2px;font-size:.94rem;border:1px solid var(--line)}
.form-status.show{display:block}
.form-status.ok{border-color:var(--ok);color:var(--ok)}
.form-status.err{border-color:var(--err);color:var(--err)}

/* --------------------------------------------------------- tabs */
.tabs{display:inline-flex;gap:4px;padding:4px;border:1px solid var(--line);border-radius:3px;background:var(--bg-deep)}
.tabs button{padding:0 24px;min-height:48px;border-radius:2px;font-size:.94rem;font-weight:600;color:var(--text-soft);transition:background .15s var(--ease),color .15s var(--ease)}
.tabs button:hover{color:var(--text)}
.tabs button[aria-selected="true"]{background:var(--gold);color:var(--gold-ink)}
.tabpanel[hidden]{display:none}

/* --------------------------------------------------------- steps */
.steps{display:grid;margin-top:48px}
.step{display:grid;grid-template-columns:72px 1fr;gap:26px;align-items:start;padding:30px 0;border-top:1px solid var(--line-soft)}
.step:last-child{border-bottom:1px solid var(--line-soft)}
.step .n{font-family:var(--display);font-size:2.3rem;font-weight:300;line-height:1;color:var(--gold)}
.step h3{font-size:1.32rem;font-weight:500}
.step p{color:var(--text-soft);margin-top:10px;max-width:64ch}

/* --------------------------------------------------------- tables */
.tablewrap{overflow-x:auto;margin-top:36px;border:1px solid var(--line-soft);border-radius:3px;background:var(--surface)}
table{width:100%;border-collapse:collapse;min-width:600px}
thead th{
  text-align:left;font-family:var(--body);font-size:.74rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gold);padding:18px 22px;border-bottom:1px solid var(--line);white-space:nowrap;
}
tbody td{padding:18px 22px;border-bottom:1px solid var(--line-soft);color:var(--text-soft);font-size:.97rem;vertical-align:top}
tbody tr:last-child td{border-bottom:none}
td .rate{font-family:var(--display);font-size:1.5rem;color:var(--text);font-weight:500;line-height:1}
td strong{color:var(--text);font-weight:600}

/* --------------------------------------------------------- FAQ */
.faq{margin-top:40px;border-top:1px solid var(--line-soft)}
.faq details{border-bottom:1px solid var(--line-soft)}
.faq summary{
  display:flex;align-items:center;justify-content:space-between;gap:24px;padding:22px 0;cursor:pointer;
  min-height:48px;font-family:var(--display);font-size:1.3rem;font-weight:500;color:var(--text);
  list-style:none;transition:color .15s var(--ease);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--gold)}
.faq summary .pm{position:relative;width:16px;height:16px;flex:none}
.faq summary .pm::before,.faq summary .pm::after{content:"";position:absolute;background:var(--gold);transition:transform .15s var(--ease)}
.faq summary .pm::before{top:7px;left:0;width:16px;height:2px}
.faq summary .pm::after{left:7px;top:0;width:2px;height:16px}
.faq details[open] summary .pm::after{transform:scaleY(0)}
.faq .answer{padding:0 0 24px;color:var(--text-soft);max-width:74ch}
.faq .answer p+p{margin-top:12px}

/* --------------------------------------------------------- prose */
.prose{max-width:76ch;color:var(--text-soft);font-size:1.02rem}
.prose h2{font-size:1.85rem;font-weight:500;color:var(--text);margin:44px 0 12px}
.prose h3{font-size:1.28rem;font-weight:500;color:var(--text);margin:30px 0 10px}
.prose p{margin-top:14px}
.prose ul,.prose ol{margin:14px 0 14px 22px}
.prose ul li{list-style:disc;margin-top:9px}
.prose ol li{list-style:decimal;margin-top:9px}
.prose a{color:var(--gold);text-decoration:underline;text-underline-offset:3px}
.prose strong{color:var(--text)}
.prose .updated{font-size:.86rem;color:var(--text-soft);letter-spacing:.06em;text-transform:uppercase}

/* --------------------------------------------------------- glossary */
.alpha{display:flex;flex-wrap:wrap;gap:6px;margin-top:32px}
.alpha a{
  width:46px;height:46px;display:grid;place-items:center;border:1px solid var(--line-soft);
  border-radius:2px;font-size:.9rem;font-weight:600;color:var(--text-soft);
  transition:border-color .15s var(--ease),color .15s var(--ease);
}
.alpha a:hover{border-color:var(--gold);color:var(--gold)}
.gterms{margin-top:44px}
.gletter{margin-top:40px}
.gletter>h2{font-family:var(--display);font-size:2.1rem;font-weight:300;color:var(--gold);padding-bottom:12px;border-bottom:1px solid var(--line-soft)}
.gterm{padding:20px 0;border-bottom:1px solid var(--line-soft)}
.gterm dt{font-weight:700;font-size:1.02rem;color:var(--text)}
.gterm dd{color:var(--text-soft);margin-top:7px;max-width:78ch;font-size:.98rem}

/* --------------------------------------------------------- people / listings */
.people{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:48px}
.person{background:var(--surface);border:1px solid var(--line-soft);border-radius:3px;overflow:hidden;transition:border-color .15s var(--ease)}
.person:hover{border-color:var(--line)}
.person .ph{aspect-ratio:3/2;border:none;border-radius:0}
.person .pbody{padding:24px 24px 28px}
.person h3{font-size:1.22rem;font-weight:500}
.person .role{font-size:.76rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-top:7px;font-weight:600}
.person p{color:var(--text-soft);font-size:.95rem;margin-top:12px}
.person .plinks{display:flex;flex-wrap:wrap;gap:14px;margin-top:14px;font-size:.88rem}
.person .plinks a{color:var(--gold);min-height:44px;display:inline-flex;align-items:center}

.listings{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.listing{background:var(--surface);border:1px solid var(--line-soft);border-radius:3px;overflow:hidden;display:flex;flex-direction:column;transition:border-color .15s var(--ease)}
.listing:hover{border-color:var(--line)}
.listing .ph{aspect-ratio:16/10;border:none;border-radius:0}
.listing .tag{position:absolute;top:12px;left:12px;z-index:3;background:var(--bg-deep);border:1px solid var(--line);color:var(--gold);font-size:.7rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;padding:6px 11px;border-radius:2px}
.listing .lbody{padding:22px;display:flex;flex-direction:column;flex:1}
.listing .price{font-family:var(--display);font-size:1.75rem;font-weight:500;color:var(--text);line-height:1}
.listing .addr{color:var(--text-soft);font-size:.96rem;margin-top:8px}
.listing .specs{display:flex;gap:16px;margin-top:14px;padding-top:14px;border-top:1px solid var(--line-soft);font-size:.88rem;color:var(--text-soft)}
.listing .specs b{color:var(--text);font-weight:600}
.listing .est{margin-top:14px;font-size:.88rem;color:var(--text-soft)}
.listing .est b{color:var(--gold);font-weight:700}

/* --------------------------------------------------------- calculator */
.calc{display:grid;grid-template-columns:.95fr 1.05fr;gap:40px;align-items:start;margin-top:48px}
.calc-inputs{background:var(--surface);border:1px solid var(--line);border-radius:3px;padding:34px}
.calc-out{position:sticky;top:120px;background:var(--bg-deep);border:1px solid var(--line);border-radius:3px;padding:34px}
.calc-total{text-align:center;padding-bottom:24px;border-bottom:1px solid var(--line-soft)}
.calc-total .k{font-size:.74rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.calc-total .v{font-family:var(--display);font-size:clamp(3rem,6vw,4rem);font-weight:300;line-height:1;margin-top:10px;color:var(--text)}
.calc-total .per{font-size:.88rem;color:var(--text-soft);margin-top:6px}
.breakdown li{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:14px 0;border-bottom:1px solid var(--line-soft);font-size:.96rem;color:var(--text-soft)}
.breakdown li:last-child{border-bottom:none}
.breakdown li b{color:var(--text);font-weight:600;font-variant-numeric:tabular-nums}
.breakdown .swatch{display:inline-block;width:9px;height:9px;border-radius:1px;margin-right:9px;vertical-align:middle}
.calc-bar{display:flex;height:8px;overflow:hidden;margin-top:20px;background:var(--surface)}
.calc-bar span{display:block;height:100%}
.range-wrap{display:grid;gap:8px;padding:6px 0}
.range-wrap .rowline{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.range-wrap output{font-family:var(--display);font-size:1.15rem;color:var(--text);font-variant-numeric:tabular-nums}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:28px;background:transparent;cursor:pointer}
input[type=range]::-webkit-slider-runnable-track{height:4px;background:var(--bg-deep);border:1px solid var(--line-soft)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:26px;height:26px;margin-top:-12px;border-radius:50%;background:var(--gold);border:3px solid var(--surface)}
input[type=range]::-moz-range-track{height:4px;background:var(--bg-deep);border:1px solid var(--line-soft)}
input[type=range]::-moz-range-thumb{width:26px;height:26px;border:3px solid var(--bg);border-radius:50%;background:oklch(0.845 0.085 86)}

/* swatch + bar colours */
.c1{background:var(--data-1)}.c2{background:var(--data-2)}.c3{background:var(--data-3)}
.c4{background:var(--data-4)}.c5{background:var(--data-5)}

/* --------------------------------------------------------- misc */
.note{border-left:2px solid var(--gold);background:var(--surface);padding:20px 24px;border-radius:0 2px 2px 0;margin-top:30px;color:var(--text-soft);font-size:.97rem}
.note strong{color:var(--text)}
.pillrow{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px}
.pill{border:1px solid var(--line-soft);border-radius:2px;padding:0 18px;min-height:44px;display:inline-flex;align-items:center;font-size:.88rem;color:var(--text-soft);transition:border-color .15s var(--ease),color .15s var(--ease);cursor:pointer}
.pill:hover,.pill.on{border-color:var(--gold);color:var(--gold)}

.postlist{display:grid;margin-top:48px}
.post{display:grid;grid-template-columns:170px 1fr;gap:32px;padding:32px 0;border-top:1px solid var(--line-soft);align-items:start}
.post:last-child{border-bottom:1px solid var(--line-soft)}
.post .meta{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);font-weight:600;padding-top:6px}
.post .meta span{display:block;color:var(--text-soft);letter-spacing:.04em;margin-top:6px;font-weight:500;text-transform:none;font-size:.84rem}
.post h3{font-size:1.55rem;font-weight:500;transition:color .15s var(--ease)}
.post:hover h3{color:var(--gold)}
.post p{color:var(--text-soft);margin-top:10px;max-width:70ch}

.linkgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:40px}
.linkcard{display:flex;gap:18px;align-items:flex-start;padding:24px;border:1px solid var(--line-soft);border-radius:3px;background:var(--surface);transition:border-color .15s var(--ease)}
.linkcard:hover{border-color:var(--gold)}
.linkcard h3{font-size:1.14rem;font-weight:500}
.linkcard p{color:var(--text-soft);font-size:.94rem;margin-top:7px}
.linkcard .ext{font-size:.82rem;color:var(--gold);margin-top:9px;display:inline-block}

.trustrow{display:flex;flex-wrap:wrap;gap:10px 28px;margin-top:26px;font-size:.88rem;color:var(--text-soft)}
.trustrow span{display:inline-flex;align-items:center;gap:8px}
.trustrow svg{width:15px;height:15px;fill:none;stroke:var(--gold);stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:none}

/* --------------------------------------------------------- footer */
footer{background:var(--bg-deep);color:var(--text-soft);font-size:.92rem;border-top:1px solid var(--line-soft)}
.foot-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:44px;padding:72px 0 44px}
.foot-brand .logo{margin-bottom:18px}
.foot-brand .logo img{height:34px}
.foot-brand p{max-width:34ch;line-height:1.6}
.foot-contact{margin-top:14px;display:grid}
.foot-contact a{display:inline-flex;align-items:center;min-height:44px;transition:color .15s var(--ease)}
.foot-contact a:hover{color:var(--gold)}
.foot-brand .socials{margin-top:18px}
.foot-col h4{font-family:var(--body);font-size:.74rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.foot-col ul{display:grid}
.foot-col a{display:inline-flex;align-items:center;min-height:44px;transition:color .15s var(--ease)}
.foot-col a:hover{color:var(--gold)}
.legal{border-top:1px solid var(--line-soft);padding:32px 0 56px}
.badges{display:flex;gap:28px;align-items:center;margin-bottom:20px;flex-wrap:wrap}
.badge{display:inline-flex;align-items:center;gap:11px;color:var(--text-soft)}
.badge svg{width:34px;height:34px;flex:none}
.badge span{font-size:.68rem;letter-spacing:.11em;text-transform:uppercase;line-height:1.4;font-weight:600}
.disclosure{font-size:.8rem;line-height:1.75;color:var(--text-soft);max-width:110ch}
.disclosure a{color:var(--text);text-decoration:underline;text-underline-offset:2px}
.disclosure a:hover{color:var(--gold)}
.copy{margin-top:22px;font-size:.82rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}

/* --------------------------------------------------------- landing (bare) */
body.landing{background:var(--bg-deep)}
.landing-bar{position:sticky;top:0;z-index:100;background:var(--bg-deep);border-bottom:1px solid var(--line-soft)}
.landing-bar .wrap{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:20px}
.landing-bar .back{font-size:.9rem;color:var(--text-soft);display:inline-flex;align-items:center;gap:8px;min-height:44px;transition:color .15s var(--ease)}
.landing-bar .back:hover{color:var(--gold)}

/* --------------------------------------------------------- reveal (no-op) */
.reveal{opacity:1;transform:none}

/* --------------------------------------------------------- responsive */
@media (max-width:1180px){
  .foot-top{grid-template-columns:1.4fr 1fr 1fr;gap:32px}
  .foot-brand{grid-column:1 / -1}
  .foot-brand p{max-width:52ch}
}
@media (max-width:1024px){
  .section{padding:76px 0}
  .hero .wrap{grid-template-columns:1fr;gap:48px;padding-top:56px;padding-bottom:68px}
  .hero-portrait{max-width:400px}
  .ribbon .wrap{grid-template-columns:1fr}
  .rb{border-right:none;border-bottom:1px solid var(--line-soft);padding:34px}
  .rb:last-child{border-bottom:none}
  .split,.split.reverse{grid-template-columns:1fr;gap:40px}
  .split .ph{max-width:460px}
  .pagehero.has-media .wrap{grid-template-columns:1fr;gap:36px}
  .cards,.cards-2,.cards-4,.rev-grid,.people,.listings,.linkgrid{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr;gap:40px}
  .calc{grid-template-columns:1fr;gap:24px}
  .calc-out{position:static}
  .featured{padding:36px}
}
@media (max-width:860px){
  :root{--pad:22px}
  .menu,.apply-link{display:none}
  .burger{display:flex}
  .nav.open .menu{
    display:flex;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;
    background:var(--surface);border-bottom:1px solid var(--line);
    padding:12px;max-height:calc(100vh - 120px);overflow-y:auto;
  }
  .nav.open .apply-link{display:block;padding:6px 12px 14px}
  .nav.open .apply-link a{display:flex;justify-content:center}
  .nav.open .menu>li>a,.nav.open .drop-toggle{width:100%;justify-content:space-between;padding:0 12px}
  .nav.open .submenu{position:static;border:none;background:none;padding:0 0 8px 14px;min-width:0}
  .nav.open .menu>li>a.is-active::after,.nav.open .has-sub.is-active>.drop-toggle::after{display:none}
  .nav.open .burger span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .nav.open .burger span:nth-child(2){opacity:0}
  .nav.open .burger span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .topline-l{display:none}
  .topline .wrap{justify-content:center}
  .section,.section-sm{padding:60px 0}
  .closing{padding:72px 0}
  .pagehero .wrap{padding-top:52px;padding-bottom:52px}
  .featured{padding:28px 24px}
  .foot-top{grid-template-columns:1fr;gap:32px;padding:52px 0 36px}
  .step{grid-template-columns:48px 1fr;gap:16px;padding:24px 0}
  .step .n{font-size:1.7rem}
  .post{grid-template-columns:1fr;gap:10px}
  .post .meta{padding-top:0}
  .field-row{grid-template-columns:1fr}
  .panel,.calc-inputs,.calc-out{padding:26px 22px}
  .btn{width:100%}
  .btn-row .btn{width:auto;flex:1 1 auto;min-width:180px}
  .tabs{width:100%}
  .tabs button{flex:1;padding:0 10px}
  .copy{flex-direction:column;gap:6px}
}
@media (max-width:520px){
  .hero-portrait .chip{left:-8px;padding:12px 16px}
}

@media (prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
}

@media print{
  .topline,#site-header,footer,.closing,.feature,.skip{display:none}
  body{background:#fff;color:#000}
}