/* ==========================================================================
   Fiducia Valuers — Design System
   Single stylesheet, no build step. Tokens first, then components.
   ========================================================================== */

/* --- 1. Tokens ----------------------------------------------------------- */
:root {
  /* Brand */
  --ink:        #0a1a2f;
  --ink-800:    #102a45;
  --ink-700:    #1b3a5c;
  --ink-600:    #2d5379;
  --slate-600:  #4a6076;
  --slate-500:  #647d94;
  --slate-400:  #90a4b8;
  --line:       #e3e9ef;
  --line-soft:  #eef2f6;
  --surface:    #f6f8fa;
  --surface-2:  #eef3f8;
  --white:      #ffffff;

  --gold:       #b3873c;
  --gold-soft:  #c8a250;
  --gold-wash:  #fbf5e9;

  --green:      #1f7a5a;
  --green-wash: #eaf5f0;
  --red:        #b3392f;

  /* Typography */
  --font-display: "Source Serif 4", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-mono: "IBM Plex Mono", ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;

  /* Scale */
  --step--1: clamp(0.82rem, 0.79rem + 0.13vw, 0.875rem);
  --step-0:  clamp(0.96rem, 0.93rem + 0.15vw, 1.03rem);
  --step-1:  clamp(1.13rem, 1.06rem + 0.33vw, 1.31rem);
  --step-2:  clamp(1.35rem, 1.22rem + 0.63vw, 1.7rem);
  --step-3:  clamp(1.62rem, 1.4rem + 1.06vw, 2.2rem);
  --step-4:  clamp(1.94rem, 1.58rem + 1.7vw, 2.9rem);
  --step-5:  clamp(2.3rem, 1.74rem + 2.65vw, 3.8rem);

  /* Space */
  --sp-1: .25rem;  --sp-2: .5rem;   --sp-3: .75rem;  --sp-4: 1rem;
  --sp-5: 1.5rem;  --sp-6: 2rem;    --sp-7: 3rem;    --sp-8: 4rem;
  --sp-9: 6rem;

  /* Geometry */
  --radius-sm: 6px;
  --radius:    10px;
  --radius-lg: 16px;
  --container: 1200px;
  --container-narrow: 820px;

  /* Elevation */
  --shadow-xs: 0 1px 2px rgba(10,26,47,.06);
  --shadow-sm: 0 2px 8px rgba(10,26,47,.07);
  --shadow-md: 0 10px 30px -12px rgba(10,26,47,.20);
  --shadow-lg: 0 28px 60px -24px rgba(10,26,47,.30);

  --ease: cubic-bezier(.22,.61,.36,1);
}

/* --- 2. Reset ------------------------------------------------------------ */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 110px; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}
body {
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.65;
  color: var(--slate-600);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg, video { display: block; max-width: 100%; }
button, input, select, textarea { font: inherit; color: inherit; }
button { cursor: pointer; background: none; border: 0; }
a { color: var(--ink-700); text-decoration-thickness: 1px; text-underline-offset: 3px; }
ul, ol { padding-left: 1.15rem; }
table { border-collapse: collapse; width: 100%; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 3px; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--ink);
  font-weight: 600;
  line-height: 1.18;
  letter-spacing: -0.015em;
  text-wrap: balance;
}
h1 { font-size: var(--step-5); }
h2 { font-size: var(--step-4); }
h3 { font-size: var(--step-2); }
h4 { font-size: var(--step-1); }
p { text-wrap: pretty; }

/* --- 3. Layout ----------------------------------------------------------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: var(--sp-5); }
.container--narrow { max-width: var(--container-narrow); }
.section { padding-block: clamp(3.5rem, 2rem + 6vw, 6.5rem); }
.section--tight { padding-block: clamp(2.5rem, 1.5rem + 4vw, 4.5rem); }
.section--surface { background: var(--surface); }
.section--ink { background: var(--ink); color: #b9c8d8; }
.section--ink h2, .section--ink h3, .section--ink h4 { color: #fff; }
.section--line { border-top: 1px solid var(--line); }

.grid { display: grid; gap: var(--sp-5); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 960px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.split { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(2rem, 1rem + 4vw, 4.5rem); align-items: center; }
.split--top { align-items: start; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }

.stack > * + * { margin-top: var(--sp-4); }
.center { text-align: center; }
.mt-5 { margin-top: var(--sp-5); }
.mt-6 { margin-top: var(--sp-6); }
.muted { color: var(--slate-500); }
.lead { font-size: var(--step-1); line-height: 1.6; color: var(--slate-600); }

/* --- 4. Section heading -------------------------------------------------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: .55rem;
  font-size: .73rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  color: var(--gold); margin-bottom: var(--sp-3);
}
.eyebrow::before { content: ""; width: 22px; height: 1px; background: var(--gold); flex: none; }
.section--ink .eyebrow { color: var(--gold-soft); }
.section-head { max-width: 62ch; margin-bottom: clamp(2rem, 1rem + 3vw, 3.25rem); }
.section-head--center { margin-inline: auto; text-align: center; }
.section-head--center .eyebrow::before { display: none; }
.section-head p { margin-top: var(--sp-4); font-size: var(--step-1); color: var(--slate-500); }

/* --- 5. Buttons ---------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  padding: .8rem 1.4rem; border-radius: var(--radius-sm);
  font-size: .94rem; font-weight: 600; letter-spacing: .005em;
  text-decoration: none; white-space: nowrap;
  transition: background .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease), transform .2s var(--ease), box-shadow .2s var(--ease);
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn svg { width: 17px; height: 17px; flex: none; }

.btn--primary { background: var(--ink); color: #fff; box-shadow: var(--shadow-sm); }
.btn--primary:hover { background: var(--ink-700); box-shadow: var(--shadow-md); }
.btn--gold { background: var(--gold); color: #fff; }
.btn--gold:hover { background: var(--gold-soft); }
.btn--ghost { border: 1px solid var(--line); color: var(--ink); background: #fff; }
.btn--ghost:hover { border-color: var(--ink-600); background: var(--surface); }
.btn--onink { border: 1px solid rgba(255,255,255,.28); color: #fff; }
.btn--onink:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.5); }
.btn--lg { padding: 1rem 1.7rem; font-size: 1rem; }
.btn--block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: var(--sp-3); }

.link-arrow {
  display: inline-flex; align-items: center; gap: .4rem;
  font-weight: 600; font-size: .92rem; color: var(--ink); text-decoration: none;
}
.link-arrow::after { content: "\2192"; transition: transform .2s var(--ease); }
.link-arrow:hover { color: var(--gold); }
.link-arrow:hover::after { transform: translateX(4px); }

/* --- 6. Top bar + header ------------------------------------------------- */
.topbar { background: var(--ink); color: #9fb3c8; font-size: .8rem; }
.topbar__inner { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-4); min-height: 40px; }
.topbar__item { display: inline-flex; align-items: center; gap: .5rem; }
.topbar__item svg { width: 15px; height: 15px; color: var(--gold-soft); flex: none; }
.topbar__links { display: flex; gap: var(--sp-5); }
.topbar a { color: #cddae6; text-decoration: none; display: inline-flex; align-items: center; gap: .4rem; }
.topbar a:hover { color: #fff; }
.topbar a svg { width: 14px; height: 14px; color: var(--gold-soft); }
@media (max-width: 820px) { .topbar__item { display: none; } .topbar__inner { justify-content: center; } }
@media (max-width: 480px) { .topbar__links { gap: var(--sp-4); font-size: .75rem; } }

.site-header { position: sticky; top: 0; z-index: 60; background: rgba(255,255,255,.92); backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.site-header.is-stuck { box-shadow: var(--shadow-sm); }
.header__inner { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-5); min-height: 74px; }

.brand { display: inline-flex; align-items: center; gap: .7rem; text-decoration: none; }
.brand__mark { width: 38px; height: 38px; flex: none; }
.brand__text { display: flex; flex-direction: column; line-height: 1.1; }
.brand__name { font-family: var(--font-display); font-size: 1.28rem; font-weight: 600; color: var(--ink); letter-spacing: -.02em; }
.brand__name span { color: var(--gold); }
.brand__tag { font-size: .64rem; letter-spacing: .15em; text-transform: uppercase; color: var(--slate-400); font-weight: 600; margin-top: 3px; }

.nav { display: flex; align-items: center; gap: var(--sp-2); }
.nav a { padding: .55rem .7rem; border-radius: var(--radius-sm); font-size: .92rem; font-weight: 500; color: var(--slate-600); text-decoration: none; transition: color .18s, background .18s; }
.nav a:hover { color: var(--ink); background: var(--surface); }
.nav a.is-active { color: var(--ink); font-weight: 600; }
.nav a.is-active::after { content: ""; display: block; height: 2px; background: var(--gold); border-radius: 2px; margin-top: 3px; }
.nav .btn { margin-left: var(--sp-3); }
.nav .btn.is-active::after { display: none; }

.nav-toggle { display: none; width: 44px; height: 44px; border: 1px solid var(--line); border-radius: var(--radius-sm); align-items: center; justify-content: center; color: var(--ink); }
.nav-toggle svg { width: 22px; height: 22px; }
.nav-toggle .icon-close { display: none; }
.nav-toggle[aria-expanded="true"] .icon-open { display: none; }
.nav-toggle[aria-expanded="true"] .icon-close { display: block; }

@media (max-width: 1040px) {
  .nav-toggle { display: inline-flex; }
  .nav {
    position: fixed; inset: 114px 0 auto 0; flex-direction: column; align-items: stretch;
    gap: 0; background: #fff; border-bottom: 1px solid var(--line);
    padding: var(--sp-4) var(--sp-5) var(--sp-6); box-shadow: var(--shadow-lg);
    transform: translateY(-12px); opacity: 0; pointer-events: none; transition: .22s var(--ease);
    max-height: calc(100dvh - 114px); overflow-y: auto;
  }
  .nav.is-open { transform: none; opacity: 1; pointer-events: auto; }
  .nav a { padding: .85rem .25rem; border-bottom: 1px solid var(--line-soft); font-size: 1rem; border-radius: 0; }
  .nav a.is-active::after { display: none; }
  .nav .btn { margin: var(--sp-4) 0 0; border-bottom: 0; justify-content: center; }
}

/* --- 7. Hero ------------------------------------------------------------- */
.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(165deg, #0a1a2f 0%, #123253 52%, #0d2340 100%);
  color: #c3d2e0;
  padding-block: clamp(3.5rem, 2rem + 7vw, 7rem);
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 56px 56px;
  -webkit-mask-image: radial-gradient(ellipse 80% 70% at 70% 20%, #000 0%, transparent 75%);
  mask-image: radial-gradient(ellipse 80% 70% at 70% 20%, #000 0%, transparent 75%);
}
.hero::after {
  content: ""; position: absolute; width: 620px; height: 620px; right: -160px; top: -220px; border-radius: 50%;
  background: radial-gradient(circle, rgba(179,135,60,.22) 0%, transparent 65%);
}
.hero > .container { position: relative; z-index: 1; }
.hero h1 { color: #fff; }
.hero h1 em { font-style: italic; color: var(--gold-soft); }
.hero__lead { margin-top: var(--sp-5); font-size: var(--step-1); max-width: 56ch; color: #b4c6d6; }
.hero__actions { margin-top: var(--sp-6); }
.hero__meta { margin-top: var(--sp-7); padding-top: var(--sp-5); border-top: 1px solid rgba(255,255,255,.12); display: flex; flex-wrap: wrap; gap: var(--sp-5) var(--sp-7); }
.hero__meta div { min-width: 120px; }
.hero__meta dt { font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: #7f96ac; }
.hero__meta dd { margin: 4px 0 0; font-family: var(--font-display); font-size: 1.45rem; color: #fff; font-weight: 600; }

.badge-row { display: flex; flex-wrap: wrap; gap: var(--sp-2); margin-bottom: var(--sp-5); }
.badge {
  display: inline-flex; align-items: center; gap: .45rem;
  padding: .38rem .75rem; border-radius: 999px; font-size: .76rem; font-weight: 600; letter-spacing: .02em;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16); color: #dbe6f0;
}
.badge svg { width: 14px; height: 14px; color: var(--gold-soft); }

/* Hero report card mock */
.report-card {
  background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg);
  padding: var(--sp-5); color: var(--slate-600); font-size: .88rem;
}
.report-card__top { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-4); padding-bottom: var(--sp-4); border-bottom: 1px solid var(--line); }
.report-card__top strong { font-family: var(--font-display); font-size: 1.02rem; color: var(--ink); }
.report-card__chip { font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--green); background: var(--green-wash); padding: .25rem .6rem; border-radius: 999px; white-space: nowrap; }
.report-card__row { display: flex; justify-content: space-between; gap: var(--sp-4); padding: .62rem 0; border-bottom: 1px dashed var(--line); }
.report-card__row span:last-child { color: var(--ink); font-weight: 600; font-variant-numeric: tabular-nums; }
.report-card__total { display: flex; justify-content: space-between; align-items: baseline; gap: var(--sp-4); margin-top: var(--sp-4); padding-top: var(--sp-4); border-top: 2px solid var(--ink); }
.report-card__total b { font-family: var(--font-display); font-size: 1.7rem; color: var(--ink); }
.report-card__foot { margin-top: var(--sp-4); font-size: .74rem; color: var(--slate-400); display: flex; align-items: flex-start; gap: .4rem; }
.report-card__foot svg { width: 14px; height: 14px; color: var(--gold); flex: none; margin-top: 3px; }

/* --- 8. Stats ------------------------------------------------------------ */
.stat-strip { border-block: 1px solid var(--line); background: var(--white); }
.stat-strip__grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: var(--sp-6) var(--sp-5); text-align: center; border-right: 1px solid var(--line); }
.stat:last-child { border-right: 0; }
.stat__num { font-family: var(--font-display); font-size: clamp(1.9rem, 1.4rem + 1.6vw, 2.7rem); font-weight: 600; color: var(--ink); line-height: 1; font-variant-numeric: tabular-nums; }
.stat__num small { color: var(--gold); font-size: inherit; }
.stat__label { margin-top: .6rem; font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; color: var(--slate-400); font-weight: 600; }
@media (max-width: 760px) {
  .stat-strip__grid { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(2n) { border-right: 0; }
  .stat:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
}

/* --- 9. Cards ------------------------------------------------------------ */
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: var(--sp-5); transition: border-color .22s var(--ease), box-shadow .22s var(--ease), transform .22s var(--ease);
  display: flex; flex-direction: column;
}
.card:hover { border-color: var(--slate-400); box-shadow: var(--shadow-md); transform: translateY(-3px); }
.card h3 { font-size: var(--step-1); margin-bottom: .6rem; }
.card p { font-size: .92rem; color: var(--slate-500); }
.card__icon {
  width: 46px; height: 46px; border-radius: var(--radius-sm); flex: none;
  display: grid; place-items: center; margin-bottom: var(--sp-4);
  background: var(--gold-wash); color: var(--gold); border: 1px solid #f0e3c9;
}
.card__icon svg { width: 22px; height: 22px; }
.card__foot { margin-top: auto; padding-top: var(--sp-4); }
.card--link { text-decoration: none; }

.card--ink { background: rgba(255,255,255,.04); border-color: rgba(255,255,255,.12); }
.card--ink:hover { border-color: rgba(255,255,255,.3); }
.card--ink p { color: #9fb3c8; }
.card--ink .card__icon { background: rgba(179,135,60,.16); border-color: rgba(179,135,60,.3); color: var(--gold-soft); }

.card--num { position: relative; padding-top: var(--sp-6); }
.card__num { font-family: var(--font-display); font-size: 2.3rem; color: var(--line); font-weight: 600; line-height: 1; position: absolute; top: var(--sp-4); right: var(--sp-5); }
.section--ink .card__num { color: rgba(255,255,255,.14); }

.tag-list { display: flex; flex-wrap: wrap; gap: .4rem; margin-top: var(--sp-4); }
.tag { font-size: .74rem; font-weight: 600; padding: .25rem .6rem; border-radius: 4px; background: var(--surface-2); color: var(--ink-600); }
.section--ink .tag { background: rgba(255,255,255,.08); color: #c3d2e0; }

/* --- 10. Feature list ---------------------------------------------------- */
.check-list { list-style: none; padding: 0; display: grid; gap: var(--sp-3); }
.check-list li { display: flex; gap: .7rem; align-items: flex-start; font-size: .95rem; }
.check-list svg { width: 19px; height: 19px; flex: none; margin-top: 3px; color: var(--green); }
.section--ink .check-list svg { color: var(--gold-soft); }
.check-list b { color: var(--ink); font-weight: 600; }
.section--ink .check-list b { color: #fff; }

/* --- 11. Process --------------------------------------------------------- */
.process { display: grid; gap: 0; }
.process__item { display: grid; grid-template-columns: 64px 1fr; gap: var(--sp-5); padding: var(--sp-5) 0; border-top: 1px solid var(--line); }
.process__item:last-child { border-bottom: 1px solid var(--line); }
.process__n {
  width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
  border: 1px solid var(--line); background: var(--surface); color: var(--ink);
  font-family: var(--font-display); font-size: 1.05rem; font-weight: 600;
}
.process__item h3 { font-size: var(--step-1); margin-bottom: .35rem; }
.process__item p { font-size: .93rem; color: var(--slate-500); }
.process__time { font-size: .76rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--gold); margin-top: .5rem; display: block; }
@media (max-width: 560px) { .process__item { grid-template-columns: 1fr; gap: var(--sp-3); } }

/* --- 12. Accordion ------------------------------------------------------- */
.accordion { border-top: 1px solid var(--line); }
.accordion__item { border-bottom: 1px solid var(--line); }
.accordion__btn {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: var(--sp-4);
  padding: 1.25rem 0; text-align: left;
  font-family: var(--font-display); font-size: var(--step-1); font-weight: 600; color: var(--ink);
}
.accordion__btn:hover { color: var(--ink-600); }
.accordion__btn svg { width: 20px; height: 20px; flex: none; color: var(--gold); transition: transform .25s var(--ease); }
.accordion__btn[aria-expanded="true"] svg { transform: rotate(45deg); }
.accordion__panel { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .28s var(--ease); }
.accordion__panel > div { overflow: hidden; }
.accordion__item.is-open .accordion__panel { grid-template-rows: 1fr; }
.accordion__panel p { padding-bottom: 1.3rem; max-width: 78ch; font-size: .96rem; }

/* --- 13. Table ----------------------------------------------------------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.table { font-size: .9rem; min-width: 620px; }
.table th, .table td { padding: .85rem 1.1rem; text-align: left; border-bottom: 1px solid var(--line-soft); vertical-align: top; }
.table thead th { background: var(--surface); font-size: .74rem; letter-spacing: .1em; text-transform: uppercase; color: var(--slate-500); font-weight: 700; border-bottom: 1px solid var(--line); white-space: nowrap; }
.table tbody tr:last-child td { border-bottom: 0; }
.table tbody tr:hover { background: #fcfdfe; }
.table td strong { color: var(--ink); }
.table code { font-family: var(--font-mono); font-size: .82rem; color: var(--ink-600); background: var(--surface-2); padding: .1rem .35rem; border-radius: 4px; }

/* --- 14. Quote / testimonial --------------------------------------------- */
.quote { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: var(--sp-5); display: flex; flex-direction: column; }
.quote__mark { font-family: var(--font-display); font-size: 2.6rem; line-height: 1; color: var(--gold); margin-bottom: .4rem; }
.quote p { font-size: .97rem; color: var(--ink-800); }
.quote__by { margin-top: auto; padding-top: var(--sp-4); display: flex; align-items: center; gap: .75rem; }
.quote__avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--surface-2); display: grid; place-items: center; font-weight: 700; color: var(--ink-600); font-size: .85rem; flex: none; }
.quote__by strong { display: block; color: var(--ink); font-size: .9rem; }
.quote__by span { font-size: .8rem; color: var(--slate-400); }

/* --- 15. CTA band -------------------------------------------------------- */
.cta-band { position: relative; overflow: hidden; background: var(--ink); color: #b9c8d8; }
.cta-band::after {
  content: ""; position: absolute; width: 500px; height: 500px; left: -140px; bottom: -280px; border-radius: 50%;
  background: radial-gradient(circle, rgba(179,135,60,.2) 0%, transparent 65%);
}
.cta-band > .container { position: relative; z-index: 1; }
.cta-band h2 { color: #fff; }
.cta-band p { margin-top: var(--sp-4); font-size: var(--step-1); color: #a9bccd; max-width: 56ch; }
.cta-band__inner { display: flex; align-items: center; justify-content: space-between; gap: var(--sp-6); flex-wrap: wrap; }

/* --- 16. Forms ----------------------------------------------------------- */
.form { display: grid; gap: var(--sp-4); }
.field { display: grid; gap: .4rem; }
.field label { font-size: .84rem; font-weight: 600; color: var(--ink); }
.field label .req { color: var(--red); }
.field input, .field select, .field textarea {
  width: 100%; padding: .75rem .9rem; border: 1px solid var(--line); border-radius: var(--radius-sm);
  background: #fff; font-size: .94rem; transition: border-color .18s, box-shadow .18s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--ink-600); box-shadow: 0 0 0 3px rgba(45,83,121,.12);
}
.field textarea { resize: vertical; min-height: 120px; }
.field__hint { font-size: .78rem; color: var(--slate-400); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-4); }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }
.form-note { font-size: .8rem; color: var(--slate-400); }
.form-status { padding: .85rem 1rem; border-radius: var(--radius-sm); font-size: .9rem; display: none; }
.form-status.is-ok { display: block; background: var(--green-wash); color: var(--green); border: 1px solid #c8e5d8; }

/* --- 17. Calculator ------------------------------------------------------ */
.calc { display: grid; grid-template-columns: 1fr 380px; gap: var(--sp-6); align-items: start; }
@media (max-width: 900px) { .calc { grid-template-columns: 1fr; } }
.calc__panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: var(--sp-5); }
.calc__out { background: var(--ink); color: #b9c8d8; border-radius: var(--radius); padding: var(--sp-5); position: sticky; top: 130px; }
.calc__out h3 { color: #fff; font-size: var(--step-1); }
.calc__value { font-family: var(--font-display); font-size: clamp(1.9rem, 1.4rem + 2vw, 2.6rem); color: #fff; font-weight: 600; line-height: 1.1; margin: var(--sp-3) 0 .2rem; font-variant-numeric: tabular-nums; }
.calc__range { font-size: .88rem; color: var(--gold-soft); font-variant-numeric: tabular-nums; }
.calc__breakdown { margin-top: var(--sp-5); padding-top: var(--sp-4); border-top: 1px solid rgba(255,255,255,.14); display: grid; gap: .55rem; font-size: .86rem; }
.calc__breakdown div { display: flex; justify-content: space-between; gap: var(--sp-4); }
.calc__breakdown span:last-child { color: #fff; font-weight: 600; font-variant-numeric: tabular-nums; }
.calc__disclaimer { margin-top: var(--sp-5); font-size: .76rem; color: #8ba1b6; line-height: 1.55; }
.seg { display: flex; gap: .3rem; padding: .3rem; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius-sm); }
.seg button { flex: 1; padding: .55rem .5rem; border-radius: 4px; font-size: .85rem; font-weight: 600; color: var(--slate-500); transition: .18s; }
.seg button.is-active { background: #fff; color: var(--ink); box-shadow: var(--shadow-xs); }

/* --- 18. Article list ---------------------------------------------------- */
.article { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; text-decoration: none; transition: .22s var(--ease); }
.article:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); border-color: var(--slate-400); }
.article__thumb { height: 8px; background: linear-gradient(90deg, var(--ink) 0%, var(--ink-600) 50%, var(--gold) 100%); }
.article__body { padding: var(--sp-5); display: flex; flex-direction: column; flex: 1; }
.article__meta { display: flex; gap: .6rem; align-items: center; font-size: .75rem; letter-spacing: .06em; text-transform: uppercase; color: var(--slate-400); font-weight: 600; margin-bottom: .7rem; }
.article__meta .dot { width: 3px; height: 3px; border-radius: 50%; background: var(--slate-400); }
.article h3 { font-size: var(--step-1); margin-bottom: .5rem; }
.article p { font-size: .9rem; color: var(--slate-500); }
.article__foot { margin-top: auto; padding-top: var(--sp-4); }

/* --- 19. Page header (inner pages) --------------------------------------- */
.page-head { background: var(--ink); color: #a9bccd; padding-block: clamp(2.5rem, 1.5rem + 4vw, 4.5rem); position: relative; overflow: hidden; }
.page-head::before {
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.035) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.035) 1px, transparent 1px);
  background-size: 48px 48px;
  -webkit-mask-image: radial-gradient(ellipse 70% 100% at 80% 0%, #000, transparent 70%);
  mask-image: radial-gradient(ellipse 70% 100% at 80% 0%, #000, transparent 70%);
}
.page-head > .container { position: relative; z-index: 1; }
.page-head h1 { color: #fff; font-size: var(--step-4); max-width: 22ch; }
.page-head p { margin-top: var(--sp-4); max-width: 60ch; font-size: var(--step-1); color: #a9bccd; }
.crumbs { display: flex; gap: .5rem; align-items: center; font-size: .8rem; color: #7f96ac; margin-bottom: var(--sp-4); flex-wrap: wrap; }
.crumbs a { color: #b9c8d8; text-decoration: none; }
.crumbs a:hover { color: #fff; text-decoration: underline; }

/* --- 20. Footer ---------------------------------------------------------- */
.site-footer { background: #071526; color: #8ba1b6; font-size: .9rem; padding-top: var(--sp-8); }
.site-footer h4 { color: #fff; font-family: var(--font-body); font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; margin-bottom: var(--sp-4); }
.footer__grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.3fr; gap: var(--sp-6); padding-bottom: var(--sp-7); }
@media (max-width: 900px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer__grid { grid-template-columns: 1fr; } }
.footer__brand .brand__name { color: #fff; }
.footer__brand p { margin-top: var(--sp-4); max-width: 38ch; font-size: .88rem; }
.footer-list { list-style: none; padding: 0; display: grid; gap: .6rem; }
.footer-list a { color: #8ba1b6; text-decoration: none; }
.footer-list a:hover { color: #fff; }
.footer-contact { display: grid; gap: .8rem; }
.footer-contact div { display: flex; gap: .65rem; align-items: flex-start; }
.footer-contact svg { width: 16px; height: 16px; color: var(--gold-soft); flex: none; margin-top: 3px; }
.footer-contact a { color: #cddae6; text-decoration: none; }
.footer-contact a:hover { color: #fff; }
.footer__reg { margin-top: var(--sp-5); padding: .8rem 1rem; border: 1px dashed rgba(255,255,255,.18); border-radius: var(--radius-sm); font-size: .78rem; color: #9fb3c8; }
.footer__reg b { color: #fff; display: block; font-family: var(--font-mono); letter-spacing: .02em; margin-top: 2px; }
.footer__bar { border-top: 1px solid rgba(255,255,255,.1); padding-block: var(--sp-5); display: flex; justify-content: space-between; gap: var(--sp-4); flex-wrap: wrap; font-size: .82rem; }
.footer__bar nav { display: flex; gap: var(--sp-5); flex-wrap: wrap; }
.footer__bar a { color: #8ba1b6; text-decoration: none; }
.footer__bar a:hover { color: #fff; }
.footer__disclaimer { padding-bottom: var(--sp-6); font-size: .76rem; line-height: 1.6; color: #6b8299; max-width: 95ch; }

/* --- 21. Floating actions ------------------------------------------------ */
.fab-stack { position: fixed; right: 18px; bottom: 18px; z-index: 55; display: grid; gap: .6rem; justify-items: center; }
.fab {
  width: 52px; height: 52px; border-radius: 50%; display: grid; place-items: center;
  box-shadow: var(--shadow-md); text-decoration: none; transition: transform .2s var(--ease);
}
.fab:hover { transform: translateY(-2px) scale(1.04); }
.fab svg { width: 26px; height: 26px; }
.fab--wa { background: #25d366; color: #fff; }
.fab--top { background: #fff; border: 1px solid var(--line); color: var(--ink); width: 42px; height: 42px; opacity: 0; pointer-events: none; }
.fab--top svg { width: 20px; height: 20px; }
.fab--top.is-visible { opacity: 1; pointer-events: auto; }
@media print { .fab-stack, .site-header, .topbar { display: none; } }

/* --- 22. Reveal animation ------------------------------------------------ */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.reveal.is-in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } }

/* --- 23. Misc ------------------------------------------------------------ */
.divider { height: 1px; background: var(--line); border: 0; margin-block: var(--sp-6); }
.note {
  border-left: 3px solid var(--gold); background: var(--gold-wash);
  padding: var(--sp-4) var(--sp-5); border-radius: 0 var(--radius-sm) var(--radius-sm) 0; font-size: .92rem;
}
.note strong { color: var(--ink); }
.prose { max-width: 72ch; }
.prose h2 { font-size: var(--step-3); margin-top: var(--sp-7); }
.prose h3 { font-size: var(--step-1); margin-top: var(--sp-6); }
.prose p, .prose ul, .prose ol { margin-top: var(--sp-4); }
.prose li + li { margin-top: .4rem; }
.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;
}
.skip-link {
  position: absolute; left: 50%; transform: translate(-50%, -120%); z-index: 100;
  background: var(--ink); color: #fff; padding: .7rem 1.2rem; border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  text-decoration: none; transition: transform .2s var(--ease);
}
.skip-link:focus { transform: translate(-50%, 0); }