@import url("fonts.css");

:root {
  --bg-deep: #0b132b;
  --bg-deep-2: #121a36;
  --bg-light: #f8fafc;
  --accent-gold: #d4af37;
  --accent-gold-ink: #8a6d12;
  --accent-green: #10b981;
  --accent-green-ink: #047857;
  --text-main: #1e293b;
  --text-muted: #64748b;
  --border: #e2e8f0;
  --white: #ffffff;
  --danger: #be123c;
  --danger-bg: #fff1f2;
  --focus: #0f766e;
  --space-1: 8px;
  --space-2: 16px;
  --space-3: 24px;
  --space-4: 32px;
  --space-5: 40px;
  --space-6: 48px;
  --space-8: 64px;
  --space-10: 80px;
  --radius: 12px;
  --radius-sm: 8px;
  --shadow: 0 12px 40px rgba(11, 19, 43, 0.08);
  --max: 1120px;
  --header-h: 72px;
  color-scheme: light;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: Inter, "Segoe UI", system-ui, -apple-system, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-main);
  background: var(--white);
  min-height: 100%;
}

img {
  max-width: 100%;
  height: auto;
}

a {
  color: #0f4c81;
  text-underline-offset: 0.18em;
}

a:hover {
  color: var(--bg-deep);
}

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
}

.skip-link {
  position: absolute;
  left: 8px;
  top: -48px;
  background: var(--accent-gold);
  color: var(--bg-deep);
  padding: 8px 16px;
  z-index: 100;
  font-weight: 600;
}

.skip-link:focus {
  top: 8px;
}

.wrap {
  width: min(100% - 32px, var(--max));
  margin-inline: auto;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: var(--bg-deep);
  color: var(--white);
  min-height: var(--header-h);
  border-bottom: 1px solid rgba(212, 175, 55, 0.22);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  min-height: var(--header-h);
}

.wordmark {
  display: inline-flex;
  align-items: baseline;
  gap: 0;
  color: var(--white);
  text-decoration: none;
  font-weight: 600;
  font-size: 1.05rem;
  letter-spacing: -0.03em;
  white-space: nowrap;
}

.wordmark:hover {
  color: var(--white);
}

.wordmark .dot {
  color: var(--accent-gold);
  margin: 0 1px;
}

.wordmark .tld {
  font-weight: 500;
  opacity: 0.86;
}

.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid rgba(255, 255, 255, 0.24);
  color: var(--white);
  border-radius: 8px;
  padding: 8px 12px;
  font: inherit;
  font-weight: 600;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 8px;
}

.site-nav a {
  color: #e2e8f0;
  text-decoration: none;
  padding: 8px 10px;
  border-radius: 8px;
  font-weight: 500;
  font-size: 0.95rem;
}

.site-nav a:hover,
.site-nav a[aria-current="page"] {
  color: var(--white);
  background: rgba(255, 255, 255, 0.06);
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 44px;
  padding: 10px 18px;
  border-radius: 10px;
  border: 1px solid transparent;
  font: inherit;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
}

.btn-gold {
  background: var(--accent-gold);
  color: #1a1403;
}

.btn-gold:hover {
  background: #e0c15a;
  color: #1a1403;
}

.btn-ghost {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.28);
}

.btn-ghost:hover {
  background: rgba(255, 255, 255, 0.06);
  color: var(--white);
}

.btn-navy {
  background: var(--bg-deep);
  color: var(--white);
}

.btn-navy:hover {
  background: #162044;
  color: var(--white);
}

.btn-outline {
  background: var(--white);
  color: var(--bg-deep);
  border-color: var(--border);
}

.btn-outline:hover {
  border-color: var(--bg-deep);
  color: var(--bg-deep);
}

.hero {
  background:
    radial-gradient(900px 280px at 90% -10%, rgba(212, 175, 55, 0.16), transparent 50%),
    linear-gradient(180deg, var(--bg-deep) 0%, #10182f 100%);
  color: var(--white);
  padding: 48px 0 64px;
}

.hero h1 {
  font-size: clamp(1.9rem, 4vw, 3rem);
  line-height: 1.15;
  letter-spacing: -0.035em;
  margin: 0 0 16px;
  max-width: 18ch;
}

.hero .lead,
.page-hero .lead {
  font-size: 1.125rem;
  color: #cbd5e1;
  max-width: 62ch;
  margin: 0 0 24px;
}

.kicker {
  display: inline-block;
  color: var(--accent-gold);
  font-weight: 600;
  font-size: 0.82rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 12px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 24px;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px 24px;
  color: #94a3b8;
  font-size: 0.92rem;
}

.page-hero {
  background: var(--bg-light);
  padding: 40px 0 32px;
  border-bottom: 1px solid var(--border);
}

.page-hero h1 {
  font-size: clamp(1.7rem, 3.4vw, 2.5rem);
  letter-spacing: -0.03em;
  line-height: 1.2;
  margin: 0 0 12px;
  max-width: 22ch;
}

.page-hero .lead {
  color: var(--text-muted);
}

.crumbs {
  font-size: 0.88rem;
  color: var(--text-muted);
  margin-bottom: 16px;
}

.crumbs a {
  color: inherit;
}

.section {
  padding: 64px 0;
}

.section-tight {
  padding: 40px 0;
}

.bg-light {
  background: var(--bg-light);
}

.bg-deep {
  background: var(--bg-deep);
  color: var(--white);
}

h2 {
  font-size: clamp(1.4rem, 2.4vw, 1.9rem);
  letter-spacing: -0.03em;
  line-height: 1.25;
  margin: 0 0 16px;
}

h3 {
  font-size: 1.15rem;
  letter-spacing: -0.02em;
  margin: 32px 0 12px;
}

p {
  margin: 0 0 16px;
}

.prose {
  max-width: 72ch;
}

.prose > p:first-child,
.answer-first {
  font-size: 1.05rem;
}

.grid-2,
.grid-3,
.grid-4 {
  display: grid;
  gap: 16px;
}

.grid-2 {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.grid-3 {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid-4 {
  grid-template-columns: repeat(4, minmax(0, 1fr));
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow);
}

.card h3,
.card h2 {
  margin-top: 0;
}

.card a.stretched {
  font-weight: 600;
  text-decoration: none;
}

.muted {
  color: var(--text-muted);
}

.tiny {
  font-size: 0.88rem;
}

.pill-list {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  padding: 0;
  margin: 0 0 24px;
  list-style: none;
}

.pill-list a {
  display: inline-block;
  padding: 8px 12px;
  border: 1px solid var(--border);
  border-radius: 999px;
  text-decoration: none;
  color: var(--text-main);
  background: var(--white);
  font-size: 0.92rem;
}

.pill-list a:hover {
  border-color: var(--accent-gold);
}

.steps {
  counter-reset: step;
  display: grid;
  gap: 16px;
}

.step {
  display: grid;
  grid-template-columns: 40px 1fr;
  gap: 16px;
  align-items: start;
}

.step::before {
  counter-increment: step;
  content: counter(step);
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--bg-deep);
  color: var(--accent-gold);
  display: grid;
  place-items: center;
  font-weight: 700;
}

.split {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 32px;
  align-items: start;
}

.calc-panel {
  background: var(--white);
  color: var(--text-main);
  border-radius: 16px;
  padding: 24px;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.18);
}

.calc-panel h2 {
  margin-top: 0;
}

.field {
  margin-bottom: 20px;
}

.field label {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-weight: 600;
  margin-bottom: 8px;
}

.field .value {
  color: var(--bg-deep);
  font-variant-numeric: tabular-nums;
}

input[type="range"] {
  width: 100%;
  accent-color: var(--bg-deep);
  height: 44px;
}

input[type="text"],
input[type="email"],
input[type="tel"],
input[type="number"],
select,
textarea {
  width: 100%;
  min-height: 48px;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 10px 12px;
  font: inherit;
  background: var(--white);
  color: var(--text-main);
}

textarea {
  min-height: 120px;
  resize: vertical;
}

.ltv-box {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 16px;
  background: var(--bg-light);
  border-radius: 10px;
  margin-bottom: 16px;
}

.ltv-box strong {
  font-size: 1.7rem;
  letter-spacing: -0.03em;
  font-variant-numeric: tabular-nums;
}

.ltv-box.over strong {
  color: var(--danger);
}

.warn {
  background: var(--danger-bg);
  color: #9f1239;
  border-radius: 8px;
  padding: 12px 14px;
  font-size: 0.92rem;
  margin-bottom: 16px;
}

.disclaimer,
.risk {
  background: #fffbeb;
  border: 1px solid #f3e4b2;
  color: #513806;
  border-radius: 10px;
  padding: 14px 16px;
  font-size: 0.92rem;
}

.results {
  display: grid;
  gap: 10px;
  margin: 16px 0;
}

.result-row {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 10px 0;
  border-bottom: 1px solid var(--border);
  font-variant-numeric: tabular-nums;
}

.result-row dt {
  margin: 0;
  color: var(--text-muted);
}

.result-row dd {
  margin: 0;
  font-weight: 600;
}

.advanced {
  border-top: 1px solid var(--border);
  margin-top: 8px;
  padding-top: 16px;
}

.advanced summary {
  cursor: pointer;
  font-weight: 600;
  min-height: 44px;
  display: flex;
  align-items: center;
}

.check {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.95rem;
}

.check input {
  width: 20px;
  height: 20px;
  margin-top: 3px;
  accent-color: var(--bg-deep);
}

.faq details {
  border-bottom: 1px solid var(--border);
  padding: 8px 0;
}

.faq summary {
  cursor: pointer;
  font-weight: 600;
  min-height: 48px;
  display: flex;
  align-items: center;
}

.faq details p {
  color: var(--text-muted);
}

.site-footer {
  background: var(--bg-deep);
  color: #cbd5e1;
  padding: 56px 0 32px;
}

.site-footer a {
  color: #e2e8f0;
}

.site-footer h2,
.site-footer h3 {
  color: var(--white);
  font-size: 0.95rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin: 0 0 12px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 40px;
}

.footer-grid ul {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-grid li {
  margin-bottom: 8px;
}

.legal-entity {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 24px;
  font-size: 0.9rem;
}

.legal-entity p {
  margin-bottom: 8px;
}

.footer-risk {
  margin-top: 16px;
  color: #fde68a;
}


.modal {
  position: fixed;
  inset: 0;
  background: rgba(11, 19, 43, 0.62);
  display: none;
  align-items: flex-end;
  justify-content: center;
  padding: 16px;
  z-index: 60;
}

.modal.open {
  display: flex;
}

.modal-card {
  background: var(--white);
  width: min(100%, 560px);
  border-radius: 16px;
  padding: 24px;
  max-height: calc(100vh - 32px);
  overflow: auto;
}

.modal-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  margin-bottom: 8px;
}

.icon-btn {
  min-width: 44px;
  min-height: 44px;
  border: 0;
  background: var(--bg-light);
  border-radius: 8px;
  font-size: 1.2rem;
  cursor: pointer;
}

.form-error {
  color: var(--danger);
  font-size: 0.92rem;
  min-height: 1.2em;
}

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

.table-wrap {
  overflow-x: auto;
  margin: 16px 0 24px;
}

table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.95rem;
}

th,
td {
  text-align: left;
  padding: 10px 12px;
  border-bottom: 1px solid var(--border);
}

th {
  background: var(--bg-light);
}

.callout {
  border-left: 4px solid var(--accent-gold);
  padding: 16px 18px;
  background: #fffdf5;
  border-radius: 0 10px 10px 0;
  margin: 16px 0 24px;
}

.sr-status[aria-live] {
  min-height: 0;
}

@media (max-width: 900px) {
  .grid-4,
  .grid-3,
  .split,
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 760px) {
  .nav-toggle {
    display: inline-flex;
  }

  .site-nav {
    display: none;
    position: absolute;
    left: 0;
    right: 0;
    top: var(--header-h);
    background: var(--bg-deep-2);
    flex-direction: column;
    align-items: stretch;
    padding: 16px;
    border-bottom: 1px solid rgba(212, 175, 55, 0.2);
  }

  .site-nav.open {
    display: flex;
  }

  .site-nav .btn-gold {
    width: 100%;
  }

  .grid-2,
  .grid-3,
  .grid-4,
  .split,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .hero,
  .section {
    padding: 40px 0;
  }

  .hero h1 {
    max-width: none;
  }
}