/* ============================================================
   Template 20 — Liquid Glass Premium
   Light pearl bg · Gold + Navy · Playfair Display + DM Sans
   Glassmorphism · Liquid GSAP blobs · Editorial serif
   ============================================================ */

/* ---------- Tokens ---------- */
:root {
  --bg:           #f6f8ff;
  --bg-2:         #eef1fb;
  --bg-3:         #e6eaf8;
  --glass:        rgba(255,255,255,0.62);
  --glass-2:      rgba(255,255,255,0.40);
  --glass-3:      rgba(255,255,255,0.22);
  --border-g:     rgba(255,255,255,0.85);
  --border:       rgba(180,190,220,0.35);
  --navy:         #0f1e3d;
  --navy-2:       #1e3166;
  --gold:         #c9963a;
  --gold-2:       #e8b84b;
  --gold-light:   rgba(201,150,58,0.12);
  --gold-glow:    rgba(201,150,58,0.25);
  --text:         #0f1e3d;
  --text-2:       #4a5a7a;
  --text-3:       #8896b0;
  --success:      #059669;
  --danger:       #dc2626;
  --radius:       14px;
  --radius-lg:    22px;
  --radius-xl:    32px;
  --blur:         blur(24px) saturate(160%);
  --blur-sm:      blur(12px) saturate(140%);
  --shadow-g:     0 8px 40px rgba(15,30,61,0.09);
  --shadow-gold:  0 4px 24px rgba(201,150,58,0.22);
  --shadow-card:  0 2px 16px rgba(15,30,61,0.07);
  --header-h:     70px;
}

/* ---------- Base ---------- */
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
html { scroll-behavior:smooth; }

body {
  font-family: 'DM Sans', 'Inter', system-ui, -apple-system, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.65;
  min-height: 100vh;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
body.nav-open { overflow: hidden; }
img { max-width:100%; height:auto; display:block; }
a { color: var(--gold); text-decoration: none; }
a:hover { text-decoration: underline; }

/* ---------- Liquid blob background ---------- */
.bg-blobs {
  pointer-events: none;
  position: fixed;
  inset: 0;
  z-index: 0;
  overflow: hidden;
}
.bg-blobs__blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.55;
  will-change: transform;
}
.bg-blobs__blob--1 {
  width: 600px; height: 600px;
  background: radial-gradient(circle, #dde8ff 0%, transparent 70%);
  top: -150px; right: -100px;
}
.bg-blobs__blob--2 {
  width: 450px; height: 450px;
  background: radial-gradient(circle, #fef3dc 0%, transparent 70%);
  bottom: 5%; left: -80px;
}
.bg-blobs__blob--3 {
  width: 320px; height: 320px;
  background: radial-gradient(circle, #e0e9ff 0%, transparent 70%);
  top: 45%; left: 38%;
}

/* ---------- Wrap ---------- */
.wrap { position:relative; z-index:1; min-height:100vh; display:flex; flex-direction:column; }
.container { max-width:1160px; margin:0 auto; padding:0 24px; }
main { flex:1; }

/* ============================================================
   HEADER
   ============================================================ */
header {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--header-h);
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 40px;
  background: var(--glass);
  backdrop-filter: var(--blur);
  -webkit-backdrop-filter: var(--blur);
  border-bottom: 1px solid var(--border-g);
  box-shadow: 0 2px 20px rgba(15,30,61,0.06);
}

.logo { display:flex; align-items:center; gap:10px; font-weight:700; font-size:1.15rem; color:var(--navy); }
.logo-mark {
  width:36px; height:36px; border-radius:10px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-2) 100%);
  color:#fff; font-size:1rem; font-weight:800;
  display:flex; align-items:center; justify-content:center;
}
.logo-img { height:32px; width:auto; }

.site-nav { display:flex; align-items:center; gap:28px; }
.site-nav a {
  font-size:0.9rem; font-weight:500; color:var(--text-2);
  transition: color 0.2s;
  position: relative;
}
.site-nav a::after {
  content:''; position:absolute; bottom:-4px; left:0; right:0;
  height:2px; background:var(--gold); border-radius:1px;
  transform:scaleX(0); transition:transform 0.2s;
}
.site-nav a:hover, .site-nav a[aria-current="page"] { color:var(--navy); text-decoration:none; }
.site-nav a:hover::after, .site-nav a[aria-current="page"]::after { transform:scaleX(1); }

.header-right { display:flex; align-items:center; gap:14px; }
.header-cta { font-size:0.88rem; }

/* ---------- Buttons ---------- */
.btn {
  display:inline-flex; align-items:center; justify-content:center;
  gap:8px; padding:11px 26px; border-radius:50px;
  font-size:0.9rem; font-weight:600; cursor:pointer;
  border:none; text-decoration:none; transition:all 0.2s;
  white-space:nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-2) 100%);
  color:#fff;
  box-shadow: var(--shadow-gold);
}
.btn-primary:hover {
  transform:translateY(-2px);
  box-shadow: 0 6px 30px rgba(201,150,58,0.35);
  text-decoration:none; color:#fff;
}
.btn-ghost {
  background: var(--glass);
  backdrop-filter: var(--blur-sm);
  color:var(--navy); border:1px solid var(--border);
}
.btn-ghost:hover { background:rgba(255,255,255,0.85); text-decoration:none; color:var(--navy); }
.btn-navy {
  background: var(--navy);
  color:#fff;
}
.btn-navy:hover { background:var(--navy-2); text-decoration:none; color:#fff; }

/* ---------- Mobile nav ---------- */
.nav-toggle {
  display:none; flex-direction:column; justify-content:center;
  gap:5px; background:none; border:none; cursor:pointer;
  padding:6px; width:36px; height:36px;
}
.nav-toggle__bar {
  display:block; width:22px; height:2px;
  background:var(--navy); border-radius:1px;
  transition: all 0.25s;
}
.nav-toggle.is-open .nav-toggle__bar:nth-child(1) { transform:translateY(7px) rotate(45deg); }
.nav-toggle.is-open .nav-toggle__bar:nth-child(2) { opacity:0; }
.nav-toggle.is-open .nav-toggle__bar:nth-child(3) { transform:translateY(-7px) rotate(-45deg); }

.mobile-nav {
  display:none; position:fixed; inset:0; z-index:200;
  background:rgba(246,248,255,0.97);
  backdrop-filter: var(--blur);
}
.mobile-nav.is-open { display:flex; }
.mobile-nav__inner { display:flex; flex-direction:column; width:100%; padding:20px 24px; }
.mobile-nav__header { display:flex; align-items:center; justify-content:space-between; margin-bottom:32px; }
.mobile-nav__close {
  background:none; border:none; cursor:pointer;
  color:var(--navy); padding:6px;
}
.mobile-nav nav { display:flex; flex-direction:column; gap:4px; }
.mobile-nav nav a {
  font-size:1.3rem; font-weight:600; color:var(--navy);
  padding:12px 0; border-bottom:1px solid var(--border);
}
.mobile-nav__cta { margin-top:24px; width:100%; justify-content:center; }
.lang-flags-mobile { display:flex; gap:10px; padding:16px 0; flex-wrap:wrap; }
.lang-flags-mobile__link { font-size:1.4rem; opacity:0.6; transition:opacity 0.2s; }
.lang-flags-mobile__link:hover, .lang-flags-mobile__link.is-active { opacity:1; text-decoration:none; }

@media(max-width:900px) {
  header { padding:0 20px; }
  .site-nav { display:none; }
  .header-cta.btn { display:none; }
  .nav-toggle { display:flex; }
}

/* ---------- Lang dropdown ---------- */
.lang-dropdown { position:relative; }
.lang-dropdown__btn {
  display:flex; align-items:center; gap:6px;
  background: var(--glass); backdrop-filter:var(--blur-sm);
  border:1px solid var(--border); border-radius:50px;
  padding:6px 14px; font-size:0.83rem; font-weight:500;
  color:var(--navy); cursor:pointer; transition:background 0.2s;
}
.lang-dropdown__btn:hover { background:rgba(255,255,255,0.9); }
.lang-dropdown__btn svg { width:12px; height:12px; transition:transform 0.2s; }
.lang-dropdown__btn[aria-expanded="true"] svg { transform:rotate(180deg); }
.lang-dropdown__list {
  display:none; position:absolute; top:calc(100% + 8px); right:0;
  background:var(--glass); backdrop-filter:var(--blur);
  border:1px solid var(--border-g); border-radius:var(--radius);
  box-shadow:var(--shadow-g); padding:8px;
  min-width:180px; z-index:50;
}
.lang-dropdown__list.is-open { display:block; }
.lang-dropdown__item {
  display:flex; align-items:center; gap:10px;
  padding:8px 12px; border-radius:8px;
  font-size:0.85rem; color:var(--text-2);
  transition:background 0.15s;
}
.lang-dropdown__item:hover { background:rgba(15,30,61,0.05); text-decoration:none; color:var(--navy); }
.lang-dropdown__item.is-active { color:var(--gold); font-weight:600; }

/* ============================================================
   HERO
   ============================================================ */

/* Full-width sky wrapper */
.hero-outer {
  position: relative;
  overflow: hidden;
  background: var(--bg);
}

/* CSS cloud sky — GPU-composited, zero JS */
.hero-sky {
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  overflow: hidden;
}

/* Sun glow — top-right */
.sky-sun {
  position: absolute;
  top: -120px;
  right: -60px;
  width: 520px;
  height: 520px;
  background: radial-gradient(circle at 50% 50%,
    rgba(232,184,75,0.38) 0%,
    rgba(201,150,58,0.18) 38%,
    rgba(201,150,58,0.06) 60%,
    transparent 72%);
  border-radius: 50%;
  will-change: transform;
  animation: sun-sway 14s ease-in-out infinite;
}
@keyframes sun-sway {
  0%,100% { transform: translate(0, 0) scale(1); }
  50%      { transform: translate(-30px, 20px) scale(1.06); }
}

/* Cloud base shape */
.sky-cloud {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.82);
  will-change: transform;
  filter: blur(32px);
}

/* Cloud 1 — large, slow, top */
.sky-cloud--1 {
  width: 560px; height: 200px;
  top: 4%;
  left: -120px;
  opacity: 0.85;
  animation: cloud-drift-1 38s linear infinite;
}
/* Cloud 2 — medium, mid-left, slightly below */
.sky-cloud--2 {
  width: 340px; height: 130px;
  top: 22%;
  left: -80px;
  opacity: 0.65;
  animation: cloud-drift-1 52s linear infinite 10s;
}
/* Cloud 3 — large, right side, descending */
.sky-cloud--3 {
  width: 480px; height: 170px;
  top: 10%;
  right: -60px;
  opacity: 0.7;
  animation: cloud-drift-2 44s linear infinite 4s;
}
/* Cloud 4 — small, top-center */
.sky-cloud--4 {
  width: 260px; height: 100px;
  top: 35%;
  left: 30%;
  opacity: 0.5;
  animation: cloud-drift-1 60s linear infinite 18s;
}
/* Cloud 5 — thin streak, lower */
.sky-cloud--5 {
  width: 400px; height: 80px;
  top: 55%;
  right: 10%;
  opacity: 0.4;
  animation: cloud-drift-2 48s linear infinite 7s;
  filter: blur(40px);
}

@keyframes cloud-drift-1 {
  0%   { transform: translateX(0); }
  100% { transform: translateX(calc(100vw + 600px)); }
}
@keyframes cloud-drift-2 {
  0%   { transform: translateX(0); }
  100% { transform: translateX(calc(-100vw - 600px)); }
}

@media (prefers-reduced-motion: reduce) {
  .sky-cloud, .sky-sun { animation: none; }
}

/* Hero content layout */
.hero {
  position: relative;
  z-index: 1;
  min-height: calc(100vh - var(--header-h));
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 60px;
  padding: 80px 40px 80px;
  max-width: 1200px;
  margin: 0 auto;
}
@media(max-width:900px) {
  .hero { grid-template-columns:1fr; padding:60px 20px; gap:40px; min-height:auto; }
}

.hero-eyebrow {
  display:inline-flex; align-items:center; gap:8px;
  background: var(--gold-light);
  border:1px solid rgba(201,150,58,0.3);
  border-radius:50px; padding:6px 16px;
  font-size:0.8rem; font-weight:600; color:var(--gold);
  margin-bottom:24px; letter-spacing:0.05em; text-transform:uppercase;
}
.hero-eyebrow__dot {
  width:6px; height:6px; border-radius:50%;
  background:var(--gold);
  animation: goldPulse 2s ease-in-out infinite;
}
@keyframes goldPulse {
  0%,100% { opacity:1; transform:scale(1); }
  50%      { opacity:0.5; transform:scale(0.8); }
}

.hero-h1 {
  font-family: 'Playfair Display', Georgia, serif;
  font-size: clamp(2.6rem, 5.5vw, 4.2rem);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--navy);
  margin-bottom: 24px;
}
.hero-h1 em {
  font-style: italic;
  color: var(--gold);
  position: relative;
}
.hero-h1 em::after {
  content:'';
  position:absolute; bottom:-4px; left:0; right:0; height:3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-2));
  border-radius:2px;
}

.hero-lead {
  font-size:1.1rem; color:var(--text-2);
  line-height:1.7; margin-bottom:36px; max-width:480px;
}
.hero-actions { display:flex; gap:12px; flex-wrap:wrap; margin-bottom:40px; }
.hero-trust { display:flex; flex-wrap:wrap; gap:20px; }
.hero-trust__item {
  display:flex; align-items:center; gap:6px;
  font-size:0.8rem; color:var(--text-3); font-weight:500;
}
.hero-trust__item::before {
  content:'✦'; color:var(--gold); font-size:0.7rem;
}

/* Hero right — portfolio card */
.hero-card {
  background: var(--glass);
  backdrop-filter: var(--blur);
  -webkit-backdrop-filter: var(--blur);
  border:1px solid var(--border-g);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-g), 0 0 0 1px rgba(201,150,58,0.08);
  padding:32px;
  position:relative;
  overflow:hidden;
}
.hero-card::before {
  content:'';
  position:absolute; top:0; left:10%; right:10%; height:1px;
  background: linear-gradient(90deg, transparent, var(--gold-2), transparent);
}
.hero-card__header {
  display:flex; align-items:center; justify-content:space-between; margin-bottom:24px;
}
.hero-card__title { font-size:0.85rem; font-weight:600; color:var(--text-2); }
.hero-card__badge {
  font-size:0.75rem; font-weight:600; color:var(--success);
  background:rgba(5,150,105,0.1); border-radius:50px; padding:3px 10px;
}
.portfolio-total {
  font-family:'Playfair Display', serif;
  font-size:2.4rem; font-weight:700; color:var(--navy);
  margin-bottom:4px;
}
.portfolio-change {
  font-size:0.85rem; color:var(--success); font-weight:600; margin-bottom:24px;
}
/* Mini chart */
.mini-chart { margin-bottom:24px; }
.mini-chart svg { width:100%; height:64px; }
/* Asset rows */
.asset-row {
  display:flex; align-items:center; justify-content:space-between;
  padding:10px 0; border-bottom:1px solid var(--border);
}
.asset-row:last-child { border-bottom:none; }
.asset-info { display:flex; align-items:center; gap:10px; }
.asset-icon {
  width:32px; height:32px; border-radius:50%;
  display:flex; align-items:center; justify-content:center;
  font-size:0.75rem; font-weight:700; color:#fff;
}
.asset-icon--btc { background:linear-gradient(135deg,#f7931a,#ffb347); }
.asset-icon--eth { background:linear-gradient(135deg,#627eea,#a78bfa); }
.asset-icon--sol { background:linear-gradient(135deg,#9945ff,#14f195); }
.asset-name { font-size:0.88rem; font-weight:600; color:var(--navy); }
.asset-sub  { font-size:0.75rem; color:var(--text-3); }
.asset-right { text-align:right; }
.asset-value { font-size:0.88rem; font-weight:600; color:var(--navy); }
.asset-pct   { font-size:0.75rem; font-weight:600; }
.asset-pct--up   { color:var(--success); }
.asset-pct--down { color:var(--danger); }

/* ============================================================
   STATS BAR
   ============================================================ */
.stats-bar {
  background: var(--glass);
  backdrop-filter: var(--blur);
  -webkit-backdrop-filter: var(--blur);
  border-top:1px solid var(--border-g); border-bottom:1px solid var(--border-g);
  padding:32px 40px;
}
.stats-bar__inner {
  max-width:1160px; margin:0 auto;
  display:grid; grid-template-columns:repeat(4,1fr);
  gap:24px; text-align:center;
}
@media(max-width:700px) { .stats-bar__inner { grid-template-columns:repeat(2,1fr); } }
.stat-item__num {
  font-family:'Playfair Display',serif;
  font-size:2rem; font-weight:700; color:var(--navy); margin-bottom:4px;
}
.stat-item__label { font-size:0.82rem; color:var(--text-3); font-weight:500; }
.stat-item__gold { color:var(--gold); }

/* ============================================================
   SECTION COMMONS
   ============================================================ */
.section-center { text-align:center; max-width:640px; margin:0 auto 48px; }
.section-eyebrow {
  display:inline-block; font-size:0.75rem; font-weight:700;
  letter-spacing:0.12em; text-transform:uppercase;
  color:var(--gold); margin-bottom:12px;
}
.section-h {
  font-family:'Playfair Display',serif;
  font-size:clamp(1.9rem,3.5vw,2.8rem); font-weight:700;
  color:var(--navy); line-height:1.2; margin-bottom:16px;
}
.section-h em { font-style:italic; color:var(--gold); }
.section-sub { font-size:1rem; color:var(--text-2); line-height:1.65; }

/* ============================================================
   FEATURES — masonry-style glass grid
   ============================================================ */
.features-section { padding:96px 40px; }
@media(max-width:700px) { .features-section { padding:64px 20px; } }

.masonry-grid {
  max-width:1160px; margin:0 auto;
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:20px;
}
@media(max-width:900px) { .masonry-grid { grid-template-columns:repeat(2,1fr); } }
@media(max-width:600px) { .masonry-grid { grid-template-columns:1fr; } }

.feature-card {
  background: var(--glass);
  backdrop-filter: var(--blur);
  -webkit-backdrop-filter: var(--blur);
  border:1px solid var(--border-g);
  border-radius: var(--radius-lg);
  padding:28px;
  box-shadow: var(--shadow-card);
  transition: transform 0.3s, box-shadow 0.3s;
}
.feature-card:hover {
  transform:translateY(-4px);
  box-shadow: var(--shadow-g);
}
.feature-card--tall { grid-row: span 2; }
.feature-card--wide { grid-column: span 2; }
@media(max-width:900px) { .feature-card--wide { grid-column:span 1; } }

.feature-icon {
  width:48px; height:48px; border-radius:14px;
  background: linear-gradient(135deg, var(--gold-light) 0%, rgba(201,150,58,0.08) 100%);
  border:1px solid rgba(201,150,58,0.25);
  display:flex; align-items:center; justify-content:center;
  margin-bottom:18px;
  color:var(--gold);
}
.feature-icon svg { width:22px; height:22px; }
.feature-card h3 { font-size:1.05rem; font-weight:700; color:var(--navy); margin-bottom:10px; }
.feature-card p  { font-size:0.88rem; color:var(--text-2); line-height:1.6; }
.feature-tag {
  display:inline-block; margin-top:14px;
  font-size:0.75rem; font-weight:600;
  color:var(--gold); background:var(--gold-light);
  border-radius:50px; padding:3px 12px;
}

/* ============================================================
   HOW IT WORKS — vertical timeline
   ============================================================ */
.how-section { padding:96px 40px; background:var(--bg-2); }
@media(max-width:700px) { .how-section { padding:64px 20px; } }

.timeline {
  max-width:800px; margin:0 auto;
  position:relative;
}
.timeline__line {
  position:absolute; left:50%; top:0; bottom:0;
  width:2px; background:var(--border);
  transform:translateX(-50%);
}
.timeline__line-fill {
  width:100%; background:linear-gradient(180deg, var(--gold), var(--gold-2));
  height:0%; border-radius:1px;
  /* GSAP will drive height via ScrollTrigger scrub */
}
.timeline-step {
  display:grid; grid-template-columns:1fr 60px 1fr;
  align-items:center; gap:0; margin-bottom:48px;
  position:relative;
}
.timeline-step:nth-child(odd)  .timeline-content { grid-column:1; text-align:right; }
.timeline-step:nth-child(odd)  .timeline-spacer  { grid-column:2; }
.timeline-step:nth-child(odd)  .timeline-empty   { grid-column:3; }
.timeline-step:nth-child(even) .timeline-empty   { grid-column:1; }
.timeline-step:nth-child(even) .timeline-spacer  { grid-column:2; }
.timeline-step:nth-child(even) .timeline-content { grid-column:3; text-align:left; }

.timeline-node {
  width:44px; height:44px; border-radius:50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  color:#fff; font-family:'Playfair Display',serif;
  font-size:1.1rem; font-weight:700;
  display:flex; align-items:center; justify-content:center;
  box-shadow: var(--shadow-gold);
  margin:0 auto; z-index:1; position:relative;
}
.timeline-content {
  background: var(--glass);
  backdrop-filter: var(--blur-sm);
  -webkit-backdrop-filter: var(--blur-sm);
  border:1px solid var(--border-g);
  border-radius: var(--radius-lg);
  padding:22px 24px;
  box-shadow: var(--shadow-card);
}
.timeline-content h3 { font-size:1rem; font-weight:700; color:var(--navy); margin-bottom:6px; }
.timeline-content p  { font-size:0.85rem; color:var(--text-2); line-height:1.55; }

@media(max-width:700px) {
  .timeline__line { left:22px; }
  .timeline-step { grid-template-columns:44px 1fr; gap:16px; }
  .timeline-step:nth-child(odd)  .timeline-content,
  .timeline-step:nth-child(even) .timeline-content { grid-column:2; text-align:left; }
  .timeline-step:nth-child(odd)  .timeline-spacer,
  .timeline-step:nth-child(even) .timeline-spacer  { grid-column:1; }
  .timeline-step:nth-child(odd)  .timeline-empty,
  .timeline-step:nth-child(even) .timeline-empty   { display:none; }
}

/* ============================================================
   REVIEWS — horizontal scroll
   ============================================================ */
.reviews-section { padding:96px 0; overflow:hidden; }
.reviews-section .section-center { padding:0 40px; }

.reviews-track-wrap {
  display:flex; gap:20px; padding:20px 40px 40px;
  /* GSAP will pin and drive horizontal scroll */
}
.review-card {
  flex:0 0 360px;
  background: var(--glass);
  backdrop-filter: var(--blur);
  -webkit-backdrop-filter: var(--blur);
  border:1px solid var(--border-g);
  border-radius: var(--radius-lg);
  padding:28px;
  box-shadow: var(--shadow-card);
}
.review-stars { color:var(--gold); font-size:1rem; margin-bottom:14px; letter-spacing:2px; }
.review-text  { font-size:0.9rem; color:var(--text-2); line-height:1.65; margin-bottom:20px; font-style:italic; }
.review-meta  { display:flex; align-items:center; gap:12px; }
.review-avatar { width:42px; height:42px; border-radius:50%; object-fit:cover; }
.review-name  { display:block; font-size:0.88rem; font-weight:700; color:var(--navy); }
.review-role  { display:block; font-size:0.78rem; color:var(--text-3); }

/* ============================================================
   CALCULATOR
   ============================================================ */
.calc-section { padding:96px 40px; }
@media(max-width:700px) { .calc-section { padding:64px 20px; } }
.calc-inner {
  max-width:860px; margin:0 auto;
  background: var(--glass);
  backdrop-filter: var(--blur);
  -webkit-backdrop-filter: var(--blur);
  border:1px solid var(--border-g);
  border-radius: var(--radius-xl);
  padding:48px;
  box-shadow: var(--shadow-g);
  position:relative; overflow:hidden;
}
.calc-inner::before {
  content:'';
  position:absolute; top:0; left:15%; right:15%; height:1px;
  background:linear-gradient(90deg,transparent,var(--gold-2),transparent);
}
.calc-layout { display:grid; grid-template-columns:1fr 1fr; gap:40px; margin-top:36px; }
@media(max-width:700px) { .calc-layout { grid-template-columns:1fr; } .calc-inner { padding:28px 20px; } }
.calc-field { margin-bottom:24px; }
.calc-label-row { display:flex; justify-content:space-between; margin-bottom:10px; }
.calc-label { font-size:0.85rem; font-weight:600; color:var(--text-2); }
.calc-value  { font-size:0.85rem; font-weight:700; color:var(--gold); }
input[type=range] {
  width:100%; -webkit-appearance:none; height:4px;
  background:var(--border); border-radius:2px; outline:none;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance:none; width:20px; height:20px; border-radius:50%;
  background:linear-gradient(135deg,var(--gold),var(--gold-2));
  cursor:pointer; box-shadow:0 2px 8px var(--gold-glow);
  border:2px solid #fff;
}
.calc-range { display:flex; justify-content:space-between; margin-top:6px; }
.calc-range span { font-size:0.75rem; color:var(--text-3); }
.calc-result-card {
  background:linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  border-radius: var(--radius-lg); padding:32px 28px;
  text-align:center; color:#fff;
}
.calc-result-label { font-size:0.85rem; color:rgba(255,255,255,0.6); margin-bottom:8px; }
.calc-result-main  {
  font-family:'Playfair Display',serif;
  font-size:2.6rem; font-weight:700;
  color:var(--gold-2); margin-bottom:20px;
}
.calc-result-row { display:flex; gap:20px; justify-content:center; }
.calc-stat-label  { display:block; font-size:0.75rem; color:rgba(255,255,255,0.5); margin-bottom:4px; }
.calc-stat-value  { font-size:1.05rem; font-weight:700; color:#fff; }
.calc-stat-value.accent { color:var(--gold-2); }
.calc-disclaimer { font-size:0.75rem; color:var(--text-3); text-align:center; margin-top:20px; }
.calc-cta { display:block; width:fit-content; margin:20px auto 0; }

/* ============================================================
   LEAD FORM
   ============================================================ */
.contact-section {
  padding:96px 40px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%);
  position:relative; overflow:hidden;
}
.contact-section::before {
  content:'';
  position:absolute; top:-200px; right:-200px;
  width:500px; height:500px; border-radius:50%;
  background:radial-gradient(circle,rgba(201,150,58,0.15) 0%,transparent 70%);
}
@media(max-width:700px) { .contact-section { padding:64px 20px; } }

.contact-inner {
  max-width:600px; margin:0 auto; text-align:center;
}
.contact-inner .section-eyebrow { color:var(--gold-2); }
.contact-inner .section-h  { color:#fff; }
.contact-inner .section-sub { color:rgba(255,255,255,0.65); margin-bottom:36px; }

.contact-form {
  background:var(--glass-3);
  backdrop-filter:var(--blur-sm); -webkit-backdrop-filter:var(--blur-sm);
  border:1px solid rgba(255,255,255,0.15);
  border-radius:var(--radius-xl); padding:36px;
}
.form-row { display:grid; grid-template-columns:1fr 1fr; gap:14px; margin-bottom:14px; }
@media(max-width:600px) { .form-row { grid-template-columns:1fr; } .contact-form { padding:24px 18px; } }
.form-field { display:flex; flex-direction:column; gap:6px; }
.form-label { font-size:0.78rem; font-weight:600; color:rgba(255,255,255,0.7); }
.rf-form-input {
  width:100%; padding:12px 16px; border-radius:var(--radius);
  background:rgba(255,255,255,0.1); border:1px solid rgba(255,255,255,0.2);
  color:#fff; font-size:0.9rem; outline:none;
  transition:border-color 0.2s, background 0.2s;
}
.rf-form-input::placeholder { color:rgba(255,255,255,0.35); }
.rf-form-input:focus { border-color:var(--gold-2); background:rgba(255,255,255,0.15); }
.form-submit { width:100%; margin-top:8px; padding:14px; font-size:1rem; border-radius:50px; }
.form-note { font-size:0.75rem; color:rgba(255,255,255,0.4); margin-top:12px; }

/* phone field — intl-tel-input */
.iti-wrap { position:relative; }
.iti { width:100%; }
.iti .rf-form-input { padding-left:52px; }
/* flag button */
.iti__flag-container { left:0; }
.iti__selected-flag {
  background:transparent !important;
  border-right:1px solid rgba(255,255,255,0.35);
  border-radius:var(--radius-md) 0 0 var(--radius-md);
  padding:0 8px 0 10px;
}
.iti__selected-flag:hover,
.iti__selected-flag:focus { background:rgba(255,255,255,0.12) !important; }
/* dropdown */
.iti__country-list {
  background:rgba(255,255,255,0.92);
  backdrop-filter:blur(20px) saturate(140%);
  -webkit-backdrop-filter:blur(20px) saturate(140%);
  border:1px solid var(--border-g);
  border-radius:var(--radius-md);
  box-shadow:0 12px 40px rgba(15,30,61,0.18);
  color:var(--navy);
  max-height:220px;
}
.iti__country-list .iti__country.iti__highlight,
.iti__country-list .iti__country:hover { background:rgba(201,150,58,0.12); }
.iti__country-list .iti__dial-code { color:var(--gold); font-weight:600; }
/* validation error */
.error-msg { display:block; font-size:0.75rem; color:#e05252; margin-top:4px; }
.error-msg.hide { display:none; }
.phone-error .rf-form-input { border-color:#e05252 !important; box-shadow:0 0 0 3px rgba(224,82,82,0.18) !important; }

/* ============================================================
   FAQ
   ============================================================ */
.faq-section { padding:96px 40px; }
@media(max-width:700px) { .faq-section { padding:64px 20px; } }
.faq { max-width:720px; margin:0 auto; }
.faq-item {
  background:var(--glass); backdrop-filter:var(--blur-sm);
  -webkit-backdrop-filter:var(--blur-sm);
  border:1px solid var(--border-g); border-radius:var(--radius-lg);
  margin-bottom:12px; overflow:hidden;
  box-shadow:var(--shadow-card);
}
.faq-item summary {
  padding:20px 24px; font-weight:600; font-size:0.95rem; color:var(--navy);
  cursor:pointer; list-style:none; display:flex; justify-content:space-between; align-items:center;
  user-select:none;
}
.faq-item summary::after {
  content:''; width:20px; height:20px; flex-shrink:0;
  background:url("data:image/svg+xml,%3Csvg viewBox='0 0 20 20' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M5 7.5l5 5 5-5' stroke='%23c9963a' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/contain no-repeat;
  transition:transform 0.25s;
}
.faq-item[open] summary::after { transform:rotate(180deg); }
.faq-item summary::-webkit-details-marker { display:none; }
.faq-a { padding:0 24px 20px; font-size:0.88rem; color:var(--text-2); line-height:1.65; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background:var(--navy); color:rgba(255,255,255,0.55);
  padding:48px 40px 32px;
}
@media(max-width:700px) { .site-footer { padding:40px 20px 28px; } }
.site-footer .container { max-width:1160px; margin:0 auto; }
.footer-links {
  display:flex; flex-wrap:wrap; gap:24px; margin-bottom:24px;
  border-bottom:1px solid rgba(255,255,255,0.1); padding-bottom:24px;
}
.footer-links a { font-size:0.88rem; color:rgba(255,255,255,0.55); transition:color 0.2s; }
.footer-links a:hover { color:var(--gold-2); text-decoration:none; }
.site-footer p { font-size:0.8rem; line-height:1.6; margin-bottom:6px; }

/* ============================================================
   SUBPAGES
   ============================================================ */
.page-hero {
  padding:72px 40px 56px;
  text-align:center; max-width:760px; margin:0 auto;
}
.page-hero .section-eyebrow { margin-bottom:14px; }
.page-hero .section-h { margin-bottom:16px; }
.page-hero .section-sub { max-width:540px; margin:0 auto; }

.prose-section { padding:0 40px 80px; max-width:760px; margin:0 auto; }
.prose-section h2 {
  font-family:'Playfair Display',serif;
  font-size:1.4rem; color:var(--navy); margin:32px 0 12px;
  padding-bottom:8px; border-bottom:1px solid var(--border);
}
.prose-section p  { font-size:0.92rem; color:var(--text-2); line-height:1.7; margin-bottom:14px; }
.prose-section ul { padding-left:20px; margin-bottom:14px; }
.prose-section li { font-size:0.92rem; color:var(--text-2); line-height:1.7; margin-bottom:6px; }
.prose-section a  { color:var(--gold); }
.legal-doc { padding:0 40px 80px; max-width:760px; margin:0 auto; }
.legal-doc h1 {
  font-family:'Playfair Display',serif;
  font-size:2rem; color:var(--navy); margin-bottom:8px;
}
.legal-updated { font-size:0.82rem; color:var(--text-3); margin-bottom:36px; }
.legal-doc section { margin-bottom:28px; }
.legal-doc h2 { font-size:1.1rem; font-weight:700; color:var(--navy); margin-bottom:8px; }
.legal-doc p  { font-size:0.9rem; color:var(--text-2); line-height:1.7; }
.legal-doc a  { color:var(--gold); }
@media(max-width:700px) {
  .page-hero { padding:48px 20px 36px; }
  .prose-section, .legal-doc { padding:0 20px 60px; }
}

/* Plans */
.plans-grid {
  max-width:1100px; margin:0 auto;
  display:grid; grid-template-columns:repeat(3,1fr); gap:24px; padding:0 40px 80px;
}
@media(max-width:900px) { .plans-grid { grid-template-columns:1fr; padding:0 20px 60px; } }
.plan-card {
  background:var(--glass); backdrop-filter:var(--blur);
  -webkit-backdrop-filter:var(--blur);
  border:1px solid var(--border-g); border-radius:var(--radius-xl);
  padding:36px 28px; box-shadow:var(--shadow-card);
  display:flex; flex-direction:column;
}
.plan-card--featured {
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);
  border-color:var(--gold); color:#fff;
}
.plan-card--featured .plan-name  { color:var(--gold-2); }
.plan-card--featured .plan-price { color:#fff; }
.plan-card--featured .plan-desc  { color:rgba(255,255,255,0.6); }
.plan-card--featured .plan-feature { color:rgba(255,255,255,0.8); border-color:rgba(255,255,255,0.1); }
.plan-name  { font-size:0.8rem; font-weight:700; text-transform:uppercase; letter-spacing:0.1em; color:var(--gold); margin-bottom:12px; }
.plan-price {
  font-family:'Playfair Display',serif;
  font-size:2.4rem; font-weight:700; color:var(--navy); margin-bottom:4px;
}
.plan-price span { font-size:1rem; font-weight:400; color:var(--text-3); }
.plan-desc  { font-size:0.85rem; color:var(--text-2); margin-bottom:24px; }
.plan-features { flex:1; }
.plan-feature {
  display:flex; align-items:center; gap:10px;
  font-size:0.85rem; color:var(--text-2);
  padding:9px 0; border-bottom:1px solid var(--border);
}
.plan-feature:last-child { border-bottom:none; }
.plan-feature::before { content:'✦'; color:var(--gold); font-size:0.65rem; flex-shrink:0; }
.plan-cta { margin-top:24px; width:100%; justify-content:center; }

/* Articles */
.articles-grid {
  max-width:1100px; margin:0 auto;
  display:grid; grid-template-columns:repeat(3,1fr); gap:24px; padding:0 40px 80px;
}
@media(max-width:900px) { .articles-grid { grid-template-columns:repeat(2,1fr); } }
@media(max-width:600px) { .articles-grid { grid-template-columns:1fr; padding:0 20px 60px; } }
.article-card {
  background:var(--glass); backdrop-filter:var(--blur-sm);
  -webkit-backdrop-filter:var(--blur-sm);
  border:1px solid var(--border-g); border-radius:var(--radius-lg);
  overflow:hidden; box-shadow:var(--shadow-card);
  display:flex; flex-direction:column;
  transition: transform 0.3s, box-shadow 0.3s;
}
.article-card:hover { transform:translateY(-4px); box-shadow:var(--shadow-g); text-decoration:none; }
.article-card__img { width:100%; height:180px; object-fit:cover; }
.article-card__img-placeholder {
  width:100%; height:180px;
  background:linear-gradient(135deg,var(--bg-2),var(--bg-3));
  display:flex; align-items:center; justify-content:center;
  color:var(--text-3); font-size:2rem;
}
.article-card__body { padding:20px; flex:1; display:flex; flex-direction:column; }
.article-card__date  { font-size:0.75rem; color:var(--text-3); margin-bottom:8px; }
.article-card__title { font-size:1rem; font-weight:700; color:var(--navy); margin-bottom:8px; line-height:1.4; }
.article-card__preview { font-size:0.85rem; color:var(--text-2); line-height:1.55; flex:1; }
.article-card__more   { display:inline-block; margin-top:14px; font-size:0.82rem; font-weight:600; color:var(--gold); }

/* Article detail */
.article-hero { padding:64px 40px 40px; max-width:760px; margin:0 auto; }
.article-body { max-width:760px; margin:0 auto; padding:0 40px 80px; }
.article-body h2 { font-family:'Playfair Display',serif; font-size:1.5rem; color:var(--navy); margin:32px 0 12px; }
.article-body p  { font-size:0.95rem; color:var(--text-2); line-height:1.75; margin-bottom:18px; }
@media(max-width:700px) {
  .article-hero, .article-body { padding-left:20px; padding-right:20px; }
}

/* Thank you */
.thank-you-section {
  min-height:80vh; display:flex; align-items:center; justify-content:center;
  padding:60px 24px; text-align:center;
}
.thank-you-card {
  max-width:500px;
  background:var(--glass); backdrop-filter:var(--blur);
  -webkit-backdrop-filter:var(--blur);
  border:1px solid var(--border-g); border-radius:var(--radius-xl);
  padding:56px 40px; box-shadow:var(--shadow-g);
}
.thank-you-icon {
  width:72px; height:72px; border-radius:50%;
  background:linear-gradient(135deg,var(--gold),var(--gold-2));
  display:flex; align-items:center; justify-content:center;
  margin:0 auto 24px; font-size:2rem; color:#fff;
  box-shadow:var(--shadow-gold);
}
.thank-you-card h1 {
  font-family:'Playfair Display',serif;
  font-size:2rem; color:var(--navy); margin-bottom:12px;
}
.thank-you-card p { color:var(--text-2); margin-bottom:28px; }

/* About */
.about-grid {
  max-width:1100px; margin:0 auto;
  display:grid; grid-template-columns:1fr 1fr; gap:40px;
  padding:0 40px 80px; align-items:center;
}
@media(max-width:800px) { .about-grid { grid-template-columns:1fr; padding:0 20px 60px; } }
.about-text h2 {
  font-family:'Playfair Display',serif;
  font-size:1.8rem; color:var(--navy); margin-bottom:16px;
}
.about-text p { font-size:0.92rem; color:var(--text-2); line-height:1.7; margin-bottom:14px; }
.about-values { display:flex; flex-direction:column; gap:14px; }
.about-value {
  background:var(--glass); backdrop-filter:var(--blur-sm);
  -webkit-backdrop-filter:var(--blur-sm);
  border:1px solid var(--border-g); border-radius:var(--radius);
  padding:18px 20px; box-shadow:var(--shadow-card);
}
.about-value h3 { font-size:0.95rem; font-weight:700; color:var(--navy); margin-bottom:4px; }
.about-value p  { font-size:0.84rem; color:var(--text-2); line-height:1.55; }

/* Risk section */
.risk-intro {
  max-width:760px; margin:0 auto; padding:0 40px 48px;
  text-align:center;
}
.risk-intro p { font-size:0.95rem; color:var(--text-2); line-height:1.7; }
.risk-cards {
  max-width:1100px; margin:0 auto;
  display:grid; grid-template-columns:repeat(2,1fr); gap:20px;
  padding:0 40px 80px;
}
@media(max-width:700px) { .risk-cards { grid-template-columns:1fr; padding:0 20px 60px; } }
.risk-card {
  background:var(--glass); backdrop-filter:var(--blur-sm);
  -webkit-backdrop-filter:var(--blur-sm);
  border:1px solid var(--border-g); border-radius:var(--radius-lg);
  padding:24px; box-shadow:var(--shadow-card);
}
.risk-card h3 { font-size:0.95rem; font-weight:700; color:var(--navy); margin-bottom:8px; }
.risk-card p  { font-size:0.85rem; color:var(--text-2); line-height:1.6; }

/* Documents nav */
.docs-nav {
  display:flex; flex-wrap:wrap; gap:10px;
  max-width:760px; margin:0 auto; padding:0 40px 36px;
}
.docs-nav a {
  padding:8px 18px; border-radius:50px;
  font-size:0.84rem; font-weight:500;
  background:var(--glass); backdrop-filter:var(--blur-sm);
  border:1px solid var(--border); color:var(--text-2);
  transition:all 0.2s;
}
.docs-nav a:hover, .docs-nav a.active {
  background:var(--gold-light); border-color:var(--gold);
  color:var(--gold); text-decoration:none;
}

/* Dot spinner */
.dot-spinner { display:flex; gap:6px; justify-content:center; padding:16px; }
.dot-spinner .dot {
  width:8px; height:8px; border-radius:50%;
  background:var(--gold); animation:dotBounce 1.2s ease-in-out infinite;
}
.dot-spinner .dot:nth-child(2) { animation-delay:0.2s; }
.dot-spinner .dot:nth-child(3) { animation-delay:0.4s; }
@keyframes dotBounce {
  0%,80%,100% { transform:scale(0.7); opacity:0.5; }
  40%          { transform:scale(1); opacity:1; }
}