/* ==========================================================================
   Financial Accelerator — Design System
   Palette: warm ivory paper / deep emerald / champagne gold
   Type: Fraunces (display) + Public Sans (body)
   ========================================================================== */

:root {
  /* Palette */
  --paper: #F6F2EA;
  --paper-2: #EFE8D9;
  --ink: #12241C;
  --ink-soft: #3C4A42;
  --muted: #5B6259;
  --deep: #0E251D;
  --deep-2: #163628;
  --deep-3: #1E4433;
  --gold: #B3894A;
  --gold-light: #D9BC8C;
  --gold-dim: rgba(179, 137, 74, 0.14);
  --line: #DEd5C0;
  --line-dark: rgba(246, 242, 234, 0.14);
  --paper-on-dark: rgba(246, 242, 234, 0.72);
  --danger: #A3432F;
  --success: #2F6B4F;

  /* Type */
  --font-display: "Fraunces", "Iowan Old Style", Georgia, serif;
  --font-body: "Public Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Scale */
  --container: 1180px;
  --container-narrow: 780px;
  --radius-sm: 6px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --ease: cubic-bezier(.22, .61, .36, 1);
  --ease-out: cubic-bezier(.16, 1, .3, 1);
  --dur-fast: 220ms;
  --dur: 420ms;
  --dur-slow: 720ms;

  --shadow-sm: 0 1px 2px rgba(14, 37, 29, 0.06), 0 1px 1px rgba(14, 37, 29, 0.04);
  --shadow-md: 0 8px 24px rgba(14, 37, 29, 0.08), 0 2px 8px rgba(14, 37, 29, 0.05);
  --shadow-lg: 0 24px 64px rgba(14, 37, 29, 0.14), 0 8px 24px rgba(14, 37, 29, 0.08);
  --shadow-gold: 0 8px 28px rgba(179, 137, 74, 0.28);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}
body, h1, h2, h3, h4, p, figure, blockquote, dl, dd, ul, ol { margin: 0; }
ul, ol { list-style: none; padding: 0; }
img, picture, svg { display: block; max-width: 100%; }
input, button, textarea, select { font: inherit; color: inherit; }
button { cursor: pointer; }
a { color: inherit; }
table { border-collapse: collapse; width: 100%; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

body {
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

::selection { background: var(--deep); color: var(--paper); }

:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 4px;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--ink);
  font-weight: 500;
  letter-spacing: -0.01em;
  line-height: 1.08;
}

.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: 24px;
}
.container-narrow {
  width: 100%;
  max-width: var(--container-narrow);
  margin-inline: auto;
  padding-inline: 24px;
}

@media (min-width: 768px) {
  .container, .container-narrow { padding-inline: 40px; }
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
}
.eyebrow::before {
  content: "";
  width: 22px;
  height: 1px;
  background: var(--gold);
}

.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  left: 16px; top: -60px;
  background: var(--deep);
  color: var(--paper);
  padding: 12px 18px;
  border-radius: var(--radius-sm);
  z-index: 999;
  transition: top var(--dur-fast) var(--ease);
}
.skip-link:focus { top: 16px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 28px;
  border-radius: 999px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 15px;
  letter-spacing: 0.01em;
  border: 1px solid transparent;
  transition: transform var(--dur-fast) var(--ease), box-shadow var(--dur-fast) var(--ease), background var(--dur-fast) var(--ease), border-color var(--dur-fast) var(--ease);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--deep);
  color: var(--paper);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); background: var(--deep-2); }
.btn-gold {
  background: linear-gradient(135deg, var(--gold-light), var(--gold));
  color: var(--deep);
}
.btn-gold:hover { transform: translateY(-2px); box-shadow: var(--shadow-gold); }
.btn-ghost {
  background: transparent;
  border-color: var(--line);
  color: var(--ink);
}
.btn-ghost:hover { border-color: var(--ink); background: rgba(14,37,29,0.03); }
.btn-on-dark {
  border-color: var(--line-dark);
  color: var(--paper);
}
.btn-on-dark:hover { border-color: var(--gold-light); color: var(--gold-light); }
.btn-block { width: 100%; }
.btn-sm { padding: 10px 18px; font-size: 13px; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(246, 242, 234, 0.86);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.site-header.is-scrolled {
  border-bottom-color: var(--line);
  box-shadow: 0 1px 0 rgba(14,37,29,0.02);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding-block: 18px;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 500;
  letter-spacing: -0.01em;
  text-decoration: none;
  color: var(--ink);
}
.logo .mark {
  width: 34px; height: 34px;
  flex-shrink: 0;
}
.logo .word span { color: var(--gold); }

.main-nav {
  display: none;
}
.main-nav ul {
  display: flex;
  align-items: center;
  gap: 34px;
  font-size: 14px;
  font-weight: 500;
}
.main-nav a {
  text-decoration: none;
  color: var(--ink-soft);
  position: relative;
  padding-block: 4px;
}
.main-nav a::after {
  content: "";
  position: absolute;
  left: 0; right: 100%;
  bottom: 0;
  height: 1px;
  background: var(--gold);
  transition: right var(--dur) var(--ease-out);
}
.main-nav a:hover { color: var(--ink); }
.main-nav a:hover::after { right: 0; }

.header-actions {
  display: flex;
  align-items: center;
  gap: 10px;
}

.header-actions .lang-switch { display: none; }
@media (min-width: 960px) {
  .header-actions .lang-switch { display: flex; }
}

.lang-switch {
  display: flex;
  align-items: center;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 3px;
  gap: 2px;
  font-size: 12px;
  font-weight: 600;
}
.lang-switch a {
  padding: 6px 12px;
  border-radius: 999px;
  text-decoration: none;
  color: var(--muted);
  transition: background var(--dur-fast) var(--ease), color var(--dur-fast) var(--ease);
}
.lang-switch a.is-active {
  background: var(--deep);
  color: var(--paper);
}

.menu-toggle {
  display: inline-flex;
  background: none;
  border: 1px solid var(--line);
  border-radius: 999px;
  width: 42px; height: 42px;
  align-items: center;
  justify-content: center;
}
.menu-toggle span,
.menu-toggle span::before,
.menu-toggle span::after {
  content: "";
  display: block;
  width: 16px;
  height: 1.5px;
  background: var(--ink);
  position: relative;
  transition: transform var(--dur-fast) var(--ease), opacity var(--dur-fast) var(--ease);
}
.menu-toggle span::before { position: absolute; top: -5px; }
.menu-toggle span::after { position: absolute; top: 5px; }
.menu-toggle[aria-expanded="true"] span { background: transparent; }
.menu-toggle[aria-expanded="true"] span::before { transform: translateY(5px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span::after { transform: translateY(-5px) rotate(-45deg); }

.mobile-nav {
  position: fixed;
  inset: 0;
  top: 0;
  background: var(--deep);
  color: var(--paper);
  z-index: 99;
  transform: translateY(-100%);
  transition: transform var(--dur-slow) var(--ease-out);
  display: flex;
  flex-direction: column;
  padding: 100px 28px 40px;
}
.mobile-nav.is-open { transform: translateY(0); }
.mobile-nav ul {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-family: var(--font-display);
  font-size: 34px;
}
.mobile-nav a { text-decoration: none; color: var(--paper); display: inline-block; padding: 10px 0; }
.mobile-nav a:hover { color: var(--gold-light); }
.mobile-nav .mobile-lang { margin-top: auto; display: flex; gap: 16px; font-family: var(--font-body); }
.mobile-nav .mobile-lang a { font-size: 15px; padding: 8px 0; opacity: .7; }
.mobile-nav .mobile-lang a.is-active { opacity: 1; color: var(--gold-light); }

@media (min-width: 960px) {
  .main-nav { display: block; }
  .menu-toggle { display: none; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: 64px 0 40px;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: -20% -10% auto -10%;
  height: 620px;
  background: radial-gradient(ellipse at 20% 20%, rgba(179,137,74,0.16), transparent 60%),
              radial-gradient(ellipse at 80% 0%, rgba(14,37,29,0.10), transparent 55%);
  z-index: -1;
  pointer-events: none;
}
.hero-grid {
  display: grid;
  gap: 28px;
}
.hero-copy { max-width: 760px; }
.hero-title {
  font-size: clamp(2.4rem, 5vw + 1rem, 4.4rem);
  margin-block: 20px 22px;
}
.hero-title em {
  font-style: italic;
  color: var(--deep);
  position: relative;
}
.hero-lede {
  font-size: 18px;
  color: var(--ink-soft);
  max-width: 58ch;
  line-height: 1.65;
}
.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 30px;
}
.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
  margin-top: 40px;
  font-size: 13px;
  color: var(--muted);
}
.hero-trust li { display: flex; align-items: center; gap: 8px; }
.hero-trust svg { width: 16px; height: 16px; color: var(--gold); flex-shrink: 0; }

/* ---------- Reveal animation ---------- */
[data-reveal] {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 900ms var(--ease-out), transform 900ms var(--ease-out);
}
[data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}
[data-reveal-group] > * { transition-delay: calc(var(--i, 0) * 90ms); }

/* ---------- Section shell ---------- */
.section { padding: 88px 0; }
.section-tight { padding: 56px 0; }
.section-head { max-width: 680px; margin-bottom: 48px; }
.section-title { font-size: clamp(1.7rem, 2.2vw + 1rem, 2.5rem); margin-top: 14px; }
.section-lede { color: var(--ink-soft); margin-top: 14px; font-size: 16.5px; line-height: 1.7; }
.section-on-dark { background: var(--deep); color: var(--paper); }
.section-on-dark .section-lede { color: var(--paper-on-dark); }
.section-on-dark h2, .section-on-dark h3 { color: var(--paper); }
.divider {
  height: 1px;
  background: var(--line);
  border: 0;
  margin: 0;
}

/* ---------- Calculator ---------- */
.calculator-shell {
  background: var(--deep);
  border-radius: var(--radius-lg);
  color: var(--paper);
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.calculator-shell::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(1200px 400px at 100% -10%, rgba(179,137,74,0.18), transparent 60%);
  pointer-events: none;
}
.calc-inner { position: relative; padding: 32px 20px 40px; }
@media (min-width: 768px) { .calc-inner { padding: 48px 44px 52px; } }

.calc-top {
  display: flex;
  flex-wrap: wrap;
  align-items: flex-end;
  justify-content: space-between;
  gap: 16px;
  margin-bottom: 30px;
}
.calc-top h2 { color: var(--paper); font-size: clamp(1.5rem, 2vw + 1rem, 2.1rem); margin-top: 10px; }
.calc-top p { color: var(--paper-on-dark); max-width: 46ch; margin-top: 8px; font-size: 14.5px; }

.calc-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
}
@media (min-width: 1040px) {
  .calc-layout { grid-template-columns: 1.05fr 0.95fr; align-items: start; }
}

.calc-card {
  background: rgba(246, 242, 234, 0.05);
  border: 1px solid var(--line-dark);
  border-radius: var(--radius-md);
  padding: 22px;
  min-width: 0;
}
@media (min-width: 768px) { .calc-card { padding: 28px; } }

.calc-fieldset { border: 0; padding: 0; margin: 0 0 26px; }
.calc-fieldset:last-child { margin-bottom: 0; }
.calc-fieldset legend {
  font-family: var(--font-display);
  font-size: 15px;
  letter-spacing: 0.01em;
  color: var(--gold-light);
  padding: 0;
  margin-bottom: 16px;
}
.field-grid {
  display: grid;
  gap: 16px;
  grid-template-columns: 1fr;
}
@media (min-width: 560px) { .field-grid.cols-2 { grid-template-columns: 1fr 1fr; } }

.field {
  display: flex;
  flex-direction: column;
  gap: 7px;
  min-width: 0;
}
.field label {
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--paper-on-dark);
  display: flex;
  align-items: center;
  gap: 6px;
}
.field .hint {
  font-weight: 400;
  color: rgba(246,242,234,0.45);
  font-size: 11.5px;
}
.field-input {
  display: flex;
  align-items: center;
  background: rgba(246,242,234,0.06);
  border: 1px solid var(--line-dark);
  border-radius: var(--radius-sm);
  overflow: hidden;
  transition: border-color var(--dur-fast) var(--ease), background var(--dur-fast) var(--ease);
}
.field-input:focus-within {
  border-color: var(--gold);
  background: rgba(246,242,234,0.09);
}
.field-input .prefix, .field-input .suffix {
  padding: 0 12px;
  font-size: 13px;
  color: rgba(246,242,234,0.55);
  white-space: nowrap;
}
.field-input input, .field-input select, .field-input textarea {
  flex: 1;
  min-width: 0;
  background: transparent;
  border: 0;
  outline: 0;
  color: var(--paper);
  padding: 13px 12px;
  font-size: 15px;
  font-family: inherit;
  font-variant-numeric: tabular-nums;
}
.field-input select { appearance: none; -webkit-appearance: none; cursor: pointer; }
.field-input.is-select { position: relative; }
.field-input.is-select::after {
  content: "";
  position: absolute;
  right: 14px; top: 50%;
  width: 8px; height: 8px;
  border-right: 1.5px solid rgba(246,242,234,0.5);
  border-bottom: 1.5px solid rgba(246,242,234,0.5);
  transform: translateY(-70%) rotate(45deg);
  pointer-events: none;
}
.field-input input::placeholder { color: rgba(246,242,234,0.35); }
.field-input input[type="date"] { color-scheme: dark; }

.prepay-tabs {
  display: flex;
  gap: 6px;
  background: rgba(0,0,0,0.18);
  padding: 4px;
  border-radius: 999px;
  margin-bottom: 18px;
  flex-wrap: wrap;
}
.prepay-tab {
  flex: 1;
  min-width: 0;
  background: transparent;
  border: 0;
  color: rgba(246,242,234,0.6);
  font-size: 11.5px;
  font-weight: 600;
  padding: 9px 6px;
  border-radius: 999px;
  white-space: nowrap;
  transition: background var(--dur-fast) var(--ease), color var(--dur-fast) var(--ease);
}
@media (min-width: 420px) {
  .prepay-tab { font-size: 12.5px; padding: 9px 10px; }
}
.prepay-tab.is-active {
  background: var(--gold);
  color: var(--deep);
}
.prepay-panels { position: relative; }
.prepay-panel { display: none; }
.prepay-panel.is-active { display: block; animation: fadeUp 380ms var(--ease-out); }
.prepay-panel .toggle-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 14px;
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.switch {
  position: relative;
  display: inline-flex;
  width: 42px; height: 24px;
  flex-shrink: 0;
}
.switch input { position: absolute; opacity: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; z-index: 1; }
.switch .track {
  position: absolute; inset: 0;
  background: rgba(246,242,234,0.18);
  border-radius: 999px;
  transition: background var(--dur-fast) var(--ease);
}
.switch .thumb {
  position: absolute;
  top: 3px; left: 3px;
  width: 18px; height: 18px;
  background: var(--paper);
  border-radius: 50%;
  transition: transform var(--dur-fast) var(--ease);
}
.switch input:checked ~ .track { background: var(--gold); }
.switch input:checked ~ .thumb { transform: translateX(18px); }

.calc-cta { margin-top: 24px; display: flex; gap: 12px; flex-wrap: wrap; }

/* Results */
.results-card {
  background: linear-gradient(180deg, rgba(246,242,234,0.08), rgba(246,242,234,0.03));
  border: 1px solid var(--line-dark);
  border-radius: var(--radius-md);
  padding: 24px;
  position: sticky;
  top: 96px;
  min-width: 0;
}
@media (min-width: 768px) { .results-card { padding: 30px; } }

.results-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
  margin-bottom: 24px;
}
@media (max-width: 560px) { .results-grid { grid-template-columns: 1fr; } }
.result-tile {
  background: rgba(0,0,0,0.14);
  border-radius: var(--radius-sm);
  padding: 16px 14px;
}
.result-tile .label {
  font-size: 11px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(246,242,234,0.55);
  margin-bottom: 8px;
  display: block;
}
.result-tile .value {
  font-family: var(--font-display);
  font-size: clamp(1.3rem, 2vw, 1.7rem);
  color: var(--gold-light);
  font-variant-numeric: tabular-nums;
  line-height: 1.1;
}
.result-tile .value small { font-size: 13px; font-family: var(--font-body); color: rgba(246,242,234,0.6); }

.chart-wrap { margin-bottom: 22px; }
.chart-legend {
  display: flex;
  gap: 20px;
  font-size: 12.5px;
  color: rgba(246,242,234,0.7);
  margin-bottom: 10px;
}
.chart-legend span { display: flex; align-items: center; gap: 7px; }
.chart-legend i { width: 12px; height: 12px; border-radius: 3px; display: inline-block; }
.chart-svg { width: 100%; height: auto; overflow: visible; }

.table-toggle {
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap;
  gap: 14px;
  border-top: 1px solid var(--line-dark);
  padding-top: 18px;
}
.table-toggle button {
  background: none; border: 0; color: var(--gold-light);
  font-size: 13px; font-weight: 600;
  display: flex; align-items: center; gap: 6px;
}
#table-toggle-btn svg { width: 14px; height: 14px; flex-shrink: 0; transition: transform var(--dur-fast) var(--ease); }
#table-toggle-btn[aria-expanded="true"] svg { transform: rotate(180deg); }

.amort-table-wrap {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--dur-slow) var(--ease-out);
}
.amort-table-wrap.is-open { max-height: 2000px; }
.amort-table-scroll { overflow-x: auto; margin-top: 16px; -webkit-overflow-scrolling: touch; }
.amort-table {
  width: 100%;
  min-width: 560px;
  font-size: 13px;
  border-collapse: collapse;
}
.amort-table th, .amort-table td {
  text-align: right;
  padding: 9px 10px;
  border-bottom: 1px solid var(--line-dark);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}
.amort-table th:first-child, .amort-table td:first-child { text-align: left; }
.amort-table thead th {
  color: rgba(246,242,234,0.55);
  font-weight: 600;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.amort-table tbody tr:hover { background: rgba(246,242,234,0.04); }

.calc-footnote {
  font-size: 12px;
  color: rgba(246,242,234,0.4);
  margin-top: 18px;
  line-height: 1.6;
}

.error-msg {
  color: #E7B7A5;
  font-size: 12.5px;
  margin-top: 6px;
  display: none;
}
.field.has-error .field-input { border-color: var(--danger); }
.field.has-error .error-msg { display: block; }

/* ---------- Steps (How to use) ---------- */
.steps-list {
  display: grid;
  gap: 20px;
  grid-template-columns: 1fr;
  counter-reset: step;
}
@media (min-width: 720px) { .steps-list { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1080px) { .steps-list { grid-template-columns: repeat(4, 1fr); } }
.step-card {
  background: var(--paper-2);
  border-radius: var(--radius-md);
  padding: 26px 22px;
  position: relative;
  border: 1px solid var(--line);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.step-card .num {
  font-family: var(--font-display);
  font-size: 15px;
  color: var(--gold);
  border: 1px solid var(--gold);
  width: 34px; height: 34px;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.step-card h3 { font-size: 18px; margin-bottom: 8px; }
.step-card p { color: var(--ink-soft); font-size: 14.5px; line-height: 1.6; }

/* ---------- Understanding results ---------- */
.metrics-grid {
  display: grid;
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  overflow: hidden;
  grid-template-columns: 1fr;
}
@media (min-width: 768px) { .metrics-grid { grid-template-columns: repeat(3, 1fr); } }
.metric-card {
  background: var(--paper);
  padding: 28px 26px;
}
.metric-card h3 {
  font-size: 17px;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 10px;
}
.metric-card .icon {
  width: 20px; height: 20px;
  color: var(--gold);
  flex-shrink: 0;
}
.metric-card p { color: var(--ink-soft); font-size: 14.5px; line-height: 1.65; }

/* ---------- Factors ---------- */
.factors-grid {
  display: grid;
  gap: 20px;
  grid-template-columns: 1fr;
}
@media (min-width: 720px) { .factors-grid { grid-template-columns: repeat(2, 1fr); } }
.factor-card {
  padding: 28px;
  border-radius: var(--radius-md);
  background: var(--deep);
  color: var(--paper);
  position: relative;
  overflow: hidden;
}
.factor-card::after {
  content: "";
  position: absolute;
  right: -30px; bottom: -30px;
  width: 140px; height: 140px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(179,137,74,0.18), transparent 70%);
}
.factor-card .tag {
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 12px;
  display: block;
}
.factor-card h3 { color: var(--paper); font-size: 19px; margin-bottom: 10px; }
.factor-card p { color: var(--paper-on-dark); font-size: 14.5px; line-height: 1.7; position: relative; }

/* ---------- Next steps ---------- */
.next-steps {
  display: grid;
  gap: 0;
  grid-template-columns: 1fr;
  border-top: 1px solid var(--line);
}
.next-step-row {
  display: grid;
  grid-template-columns: 60px 1fr;
  gap: 20px;
  padding: 26px 0;
  border-bottom: 1px solid var(--line);
  align-items: start;
}
@media (min-width: 720px) { .next-step-row { grid-template-columns: 80px 1fr 220px; align-items: center; } }
.next-step-row .idx {
  font-family: var(--font-display);
  font-size: 26px;
  color: var(--line);
}
.next-step-row h3 { font-size: 18px; margin-bottom: 6px; }
.next-step-row p { color: var(--ink-soft); font-size: 14.5px; }
.next-step-row .action { justify-self: start; }
@media (min-width: 720px) { .next-step-row .action { justify-self: end; } }

/* ---------- SEO long-tail text section ---------- */
.seo-copy {
  columns: 1;
  color: var(--ink-soft);
  font-size: 15px;
  line-height: 1.85;
}
@media (min-width: 900px) { .seo-copy { columns: 2; column-gap: 48px; } }
.seo-copy p { margin-bottom: 18px; break-inside: avoid; }
.seo-copy strong { color: var(--ink); }
.keyword-chips {
  display: flex; flex-wrap: wrap; gap: 10px;
  margin-top: 28px;
}
.keyword-chips span {
  font-size: 12.5px;
  padding: 8px 14px;
  border: 1px solid var(--line);
  border-radius: 999px;
  color: var(--muted);
}

/* ---------- FAQ ---------- */
.faq-list { border-top: 1px solid var(--line); }
.faq-item {
  border-bottom: 1px solid var(--line);
}
.faq-item summary {
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 24px 0;
  font-family: var(--font-display);
  font-size: 18px;
  cursor: pointer;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary .plus {
  width: 26px; height: 26px;
  border: 1px solid var(--line);
  border-radius: 50%;
  position: relative;
  flex-shrink: 0;
  transition: transform var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.faq-item summary .plus::before, .faq-item summary .plus::after {
  content: "";
  position: absolute;
  background: var(--ink);
  top: 50%; left: 50%;
  transform: translate(-50%,-50%);
}
.faq-item summary .plus::before { width: 10px; height: 1.4px; }
.faq-item summary .plus::after { width: 1.4px; height: 10px; }
.faq-item[open] summary .plus { transform: rotate(135deg); border-color: var(--gold); }
.faq-item[open] summary .plus::before, .faq-item[open] summary .plus::after { background: var(--gold); }
.faq-answer {
  color: var(--ink-soft);
  font-size: 15px;
  line-height: 1.75;
  padding-bottom: 26px;
  max-width: 74ch;
}
.faq-item[open] summary { color: var(--deep); }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--deep);
  color: var(--paper);
  border-radius: var(--radius-lg);
  padding: 56px 32px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-band::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(700px 300px at 50% 0%, rgba(179,137,74,0.2), transparent 60%);
}
.cta-band h2 { color: var(--paper); position: relative; }
.cta-band p { color: var(--paper-on-dark); max-width: 56ch; margin: 16px auto 28px; position: relative; }
.cta-band .btn { position: relative; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--ink);
  color: rgba(246,242,234,0.7);
  padding: 64px 0 32px;
  font-size: 14px;
}
.footer-grid {
  display: grid;
  gap: 40px;
  grid-template-columns: 1fr;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(246,242,234,0.12);
}
@media (min-width: 720px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; } }
.footer-brand .logo { color: var(--paper); margin-bottom: 14px; }
.footer-brand p { max-width: 40ch; color: rgba(246,242,234,0.55); line-height: 1.7; }
.footer-col h4 {
  font-family: var(--font-body);
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(246,242,234,0.45);
  margin-bottom: 16px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col a { text-decoration: none; color: rgba(246,242,234,0.75); transition: color var(--dur-fast) var(--ease); }
.footer-col a:hover { color: var(--gold-light); }
.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: space-between;
  padding-top: 28px;
  font-size: 12.5px;
  color: rgba(246,242,234,0.45);
}
.footer-bottom .disclaimer { max-width: 70ch; line-height: 1.6; }

/* ---------- Contact page ---------- */
.contact-grid {
  display: grid;
  gap: 40px;
  grid-template-columns: 1fr;
}
@media (min-width: 900px) { .contact-grid { grid-template-columns: 0.9fr 1.1fr; } }
.contact-info { }
.contact-info .email-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--deep);
  text-decoration: none;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 4px;
  margin-top: 18px;
}
.contact-info .email-link:hover { color: var(--gold); }
.contact-form {
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 30px;
}
.contact-form .field-input {
  background: var(--paper);
  border-color: var(--line);
}
.contact-form .field-input input, .contact-form .field-input textarea, .contact-form .field-input select { color: var(--ink); }
.contact-form .field-input input::placeholder, .contact-form textarea::placeholder { color: var(--muted); }
.contact-form .field label { color: var(--ink-soft); }
.contact-form textarea { resize: vertical; min-height: 130px; }
.form-status { margin-top: 16px; font-size: 14px; display: none; padding: 12px 16px; border-radius: var(--radius-sm); }
.form-status.is-success { display: block; background: rgba(47,107,79,0.1); color: var(--success); }
.form-status.is-error { display: block; background: rgba(163,67,47,0.1); color: var(--danger); }

/* ---------- Legal pages ---------- */
.legal-content h2 { font-size: 22px; margin: 40px 0 14px; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p, .legal-content li { color: var(--ink-soft); font-size: 15.5px; line-height: 1.8; margin-bottom: 14px; }
.legal-content ul { list-style: disc; padding-left: 22px; }
.legal-meta { color: var(--muted); font-size: 13.5px; margin-bottom: 40px; }

/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0 !important; }
.gap-actions { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; }

@media (min-width: 768px) {
  .section { padding: 120px 0; }
}