:root{
  --navy:#0B233F; --navy-2:#0E2A4B; --navy-3:#14345A; --gold:#C2A271; --gold-d:#8A6A3B; --gold-l:#E9DCC4;
  --paper:#FBFAF5; --paper-2:#F3F0E7; --line:#E3DED1; --text:#0B233F; --muted:#5B6575; --inv:#F4F1EA; --inv-m:#AFBBCB;
  --ok:#2E7D4F; --red:#E5484D;
  --fd:'Cabinet Grotesk','Helvetica Neue',Arial,sans-serif; --fb:'Satoshi','Helvetica Neue',Arial,sans-serif;
  --r:14px; --wrap:1200px; --sec:clamp(4rem,8vw,7rem);
}
*{box-sizing:border-box;margin:0;padding:0}
[hidden]{display:none!important}
html{scroll-behavior:smooth;scroll-padding-top:5rem}
body{font-family:var(--fb);font-size:1rem;line-height:1.6;color:var(--text);background:var(--paper);-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%;height:auto}
a{color:inherit}
.wrap{width:min(var(--wrap),100% - 2.5rem);margin-inline:auto}
.narrow{max-width:760px}
h1,h2,h3{font-family:var(--fd);letter-spacing:-.03em;line-height:1.05}
h1{font-weight:800;font-size:clamp(2.2rem,1.2rem + 3.6vw,4.2rem)}
h2{font-weight:800;font-size:clamp(1.7rem,1.2rem + 1.8vw,2.7rem);margin-bottom:.8rem}
h3{font-weight:700;font-size:1.2rem;letter-spacing:-.015em}
.kicker{font-size:.8rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-d);margin-bottom:.9rem}
.lead{font-size:clamp(1.05rem,1rem + .3vw,1.22rem);color:var(--muted);max-width:62ch}
.fine{font-size:.8rem;color:var(--muted);margin-top:1rem}
.skip{position:absolute;left:-999px}.skip:focus{left:1rem;top:1rem;z-index:99;background:#fff;padding:.5rem 1rem}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:6px}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:700 .98rem var(--fb);padding:.85rem 1.4rem;border-radius:10px;border:1.5px solid transparent;text-decoration:none;cursor:pointer;transition:background .18s,color .18s,border-color .18s,transform .18s}
.btn:active{transform:translateY(1px)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-3)}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:#D3B88A}
.btn-ghost{background:transparent;border-color:var(--line);color:var(--navy)}.btn-ghost:hover{border-color:var(--navy)}
.btn-sm{padding:.5rem .95rem;font-size:.88rem}
.btn:disabled{opacity:.6;cursor:wait}

/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(251,250,245,.86);backdrop-filter:blur(10px);border-bottom:1px solid transparent;transition:border-color .2s,background .2s}
.hdr.scrolled{background:rgba(255,255,255,.94);border-color:var(--line)}
.hdr-in{display:flex;align-items:center;justify-content:space-between;gap:1rem;height:70px}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none}
.logo{width:38px;height:38px;flex:none}
.brand-lockup{display:flex;flex-direction:column;line-height:1}
.brand-name{font-family:'Montserrat',var(--fd);font-weight:800;font-size:1.35rem;letter-spacing:.06em;color:var(--navy)}
.brand-tag{font-size:.6rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-d);margin-top:.25rem;font-weight:700}
.brand-inv .brand-name{color:#fff}.brand-inv .brand-tag{color:var(--gold)}
.hdr-nav{display:flex;align-items:center;gap:1.4rem;font-weight:500;font-size:.95rem}
.hdr-nav a:not(.btn){text-decoration:none;color:var(--muted)}.hdr-nav a:not(.btn):hover{color:var(--navy)}
@media (max-width:640px){.hdr-nav a:not(.btn){display:none}.brand-tag{display:none}}

/* hub hero */
.hero{padding:clamp(2.5rem,5vw,4.5rem) 0 var(--sec);background:linear-gradient(180deg,#fff,var(--paper))}
.hero-in{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(2rem,5vw,4rem);align-items:center}
.hero h1 em{font-style:normal;color:var(--gold-d)}
.hero .lead{margin-top:1.2rem}
.hero-cta{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.8rem}
.hero-facts{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;margin-top:2.2rem}
.hero-facts li{background:#fff;padding:.9rem 1rem;display:flex;flex-direction:column}
.hero-facts strong{font-family:var(--fd);font-size:1rem}.hero-facts span{font-size:.82rem;color:var(--muted)}
.hero-fig img{border-radius:24px;aspect-ratio:4/5;object-fit:cover;width:100%;box-shadow:0 30px 60px -30px rgba(11,35,63,.45)}
@media (max-width:900px){.hero-in{grid-template-columns:1fr}.hero-fig img{aspect-ratio:16/10}.hero-facts{grid-template-columns:1fr}}

.sec{padding:var(--sec) 0}
.sec-navy{background:var(--navy);color:var(--inv)}.sec-navy .kicker{color:var(--gold)}.sec-navy .lead{color:var(--inv-m)}
.ggrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:1rem;margin-top:2.2rem}
.gcard{display:flex;flex-direction:column;gap:.55rem;padding:1.4rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;transition:border-color .2s,transform .2s,box-shadow .2s}
.gcard:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:0 18px 40px -28px rgba(11,35,63,.5)}
.gcard svg{width:34px;height:34px;padding:7px;border-radius:9px;background:var(--paper-2);fill:var(--navy)}
.gcard-t{font-family:var(--fd);font-weight:800;font-size:1.15rem;letter-spacing:-.02em}
.gcard-s{font-size:.9rem;color:var(--muted);flex:1}
.gcard-go{font-weight:700;font-size:.9rem;color:var(--gold-d)}
.gcard-alt{background:var(--navy);border-color:var(--navy);color:#fff}.gcard-alt .gcard-s{color:var(--inv-m)}.gcard-alt svg{background:var(--navy-3);fill:var(--gold)}.gcard-alt .gcard-go{color:var(--gold)}
.split3{display:grid;grid-template-columns:.8fr 1.2fr;gap:3rem;align-items:start}
.trio{list-style:none;display:grid;gap:1.6rem}
.trio li{display:grid;grid-template-columns:3rem 1fr;column-gap:1rem}
.trio span{grid-row:span 2;font-family:var(--fd);font-weight:800;font-size:1.6rem;color:var(--gold)}
.trio p{color:var(--inv-m)}
.about{display:grid;grid-template-columns:.7fr 1.3fr;gap:clamp(2rem,5vw,4rem);align-items:center}
.about-img{border-radius:24px;aspect-ratio:4/5;object-fit:cover;width:100%}
@media (max-width:820px){.split3,.about{grid-template-columns:1fr}.about-img{max-width:320px}}

/* calc page */
.calc-hero{padding:clamp(2rem,4vw,3.5rem) 0 1.5rem;background:linear-gradient(180deg,#fff,var(--paper))}
.calc-hero h1{font-size:clamp(2rem,1.2rem + 2.8vw,3.4rem);max-width:22ch}
.calc-hero .lead{margin-top:1rem}
.calc-sec{padding:1rem 0 var(--sec)}
.calc-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:1.5rem;align-items:start}
@media (max-width:900px){.calc-grid{grid-template-columns:1fr}}
.wiz{background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(1.2rem,3vw,2rem);box-shadow:0 20px 50px -40px rgba(11,35,63,.5)}
.wiz-top{margin-bottom:1.3rem}
.stepc{font-size:.8rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-d);margin-bottom:.5rem}
.prog{height:4px;background:var(--paper-2);border-radius:4px;overflow:hidden}.prog span{display:block;height:100%;width:0;background:var(--gold);transition:width .35s}
.st{border:0;display:none}.st.is-on{display:block;animation:fade .3s ease}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.st.is-on{animation:none}}
legend{font-family:var(--fd);font-weight:800;font-size:1.5rem;letter-spacing:-.02em;margin-bottom:.4rem}
.hint{font-size:.9rem;color:var(--muted);margin-bottom:1rem}
.opts{display:grid;gap:.55rem}
.opt{display:flex;justify-content:space-between;align-items:center;gap:1rem;text-align:left;font:500 1rem var(--fb);color:var(--navy);background:var(--paper);border:1.5px solid var(--line);border-radius:12px;padding:.95rem 1.1rem;cursor:pointer;transition:border-color .15s,background .15s}
.opt:hover{border-color:var(--navy);background:#fff}.opt span{color:var(--gold-d);font-weight:700}
.rng{margin-bottom:1.1rem}
.rng label{display:flex;justify-content:space-between;gap:1rem;font-weight:500;font-size:.95rem;margin-bottom:.35rem}
.rng output{font-family:var(--fd);font-weight:800;color:var(--navy);font-variant-numeric:tabular-nums}
input[type=range]{width:100%;accent-color:var(--navy);height:28px}
.seg{display:flex;flex-wrap:wrap;gap:.5rem;margin:.4rem 0 .4rem}
.seg label,.chips label{display:flex;align-items:center;gap:.5rem;border:1.5px solid var(--line);border-radius:10px;padding:.6rem .85rem;cursor:pointer;font-size:.93rem;background:var(--paper)}
.seg label:has(input:checked),.chips label:has(input:checked){border-color:var(--navy);background:#F5EFE3}
.seg input,.chips input{accent-color:var(--navy)}
.chips{display:grid;grid-template-columns:repeat(2,1fr);gap:.5rem}
@media (max-width:520px){.chips{grid-template-columns:1fr}}
.field{margin-bottom:1rem}
.flabel{display:block;font-weight:500;font-size:.95rem;margin-bottom:.4rem}
.field input:not([type=radio]):not([type=checkbox]),.field select{width:100%;font:inherit;padding:.75rem .9rem;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--navy)}
.field input:focus,.field select:focus{border-color:var(--navy);outline:none}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:.75rem}@media (max-width:520px){.g2{grid-template-columns:1fr}}
.ann{border-top:1px solid var(--line);padding-top:.9rem;margin-top:.4rem}
.ann summary{cursor:pointer;font-weight:700;color:var(--gold-d);margin-bottom:.9rem}
.consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.85rem;color:var(--muted);margin-top:.4rem}
.consent input{margin-top:.25rem;accent-color:var(--navy);flex:none;width:18px;height:18px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.err{color:var(--red);font-weight:500;font-size:.9rem;min-height:1.2rem;margin-top:.6rem}
.wiz-nav{display:flex;justify-content:space-between;gap:.75rem;margin-top:.6rem}
.wiz-nav #next{margin-left:auto}
.st-done h3{font-size:1.6rem;margin-bottom:.5rem}.st-done p{color:var(--muted);margin-bottom:1.2rem}

/* results */
.res{position:sticky;top:86px;background:var(--navy);color:var(--inv);border-radius:20px;padding:clamp(1.2rem,3vw,1.8rem);opacity:.55;transition:opacity .3s}
.res.live{opacity:1}
.res-k{font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:.9rem}
.res-k span{color:var(--inv-m);letter-spacing:.02em;text-transform:none;font-weight:500}
.res-big{display:grid;gap:.6rem}
.rb{display:flex;justify-content:space-between;align-items:center;gap:1rem;background:var(--navy-2);border:1px solid var(--navy-3);border-radius:12px;padding:.85rem 1rem}
.rb-k{font-size:.9rem;color:var(--inv-m)}.rb-k b{color:var(--inv)}
.rb strong{font-family:var(--fd);font-weight:800;font-size:1.5rem;font-variant-numeric:tabular-nums;white-space:nowrap}
.rb-tax strong{color:#8FD3A8}
.rb-post{background:var(--navy-3);border-color:var(--gold)}.rb-post strong{color:var(--gold)}
.rb-post.pos strong{color:#8FD3A8}
.glow{color:#FF5A5F!important;text-shadow:0 0 10px rgba(255,70,80,.75),0 0 20px rgba(255,70,80,.45);animation:glow 2.4s ease-in-out infinite}
@keyframes glow{50%{text-shadow:0 0 4px rgba(255,70,80,.5)}}
@media (prefers-reduced-motion:reduce){.glow{animation:none}}
.res-list{display:grid;gap:.15rem;margin-top:1rem}
.res-list div{display:flex;justify-content:space-between;gap:1rem;padding:.45rem 0;border-bottom:1px solid var(--navy-3);font-size:.9rem}
.res-list dt{color:var(--inv-m)}.res-list dd{font-weight:700;font-variant-numeric:tabular-nums;text-align:right;white-space:nowrap}
.plan{margin-top:1.4rem;padding-top:1.2rem;border-top:1px solid var(--navy-3)}
.plan-lock{display:flex;gap:.8rem;align-items:flex-start;background:var(--navy-2);border:1px dashed var(--gold-d);border-radius:12px;padding:1rem;font-size:.88rem;color:var(--inv-m)}
.plan-lock svg{width:22px;height:22px;fill:var(--gold);flex:none;margin-top:.1rem}
.chart{width:100%;height:auto;margin-bottom:.4rem}
.chart .bv{fill:#24476F}.chart .be{fill:var(--gold)}.chart .ax{stroke:#3A5A80;stroke-width:1}.chart .tl{fill:var(--inv-m);font:500 8px var(--fb)}
.loop{margin-top:.9rem;font-size:.9rem;background:var(--navy-2);border-left:3px solid var(--gold);padding:.75rem .9rem;border-radius:0 10px 10px 0}
.res .fine{color:var(--inv-m)}
@media (max-width:900px){.res{position:static}}

/* footer */
.ftr{background:var(--navy);color:var(--inv);padding:3rem 0 2rem}
.ftr-in{display:flex;flex-wrap:wrap;justify-content:space-between;gap:1.5rem;align-items:flex-start}
.ftr .fine{color:var(--inv-m)}
.ftr-links{display:flex;flex-wrap:wrap;gap:1.2rem;font-size:.9rem}.ftr-links a{color:var(--inv-m);text-decoration:none}.ftr-links a:hover{color:#fff}
.legal{border-top:1px solid var(--navy-3);padding-top:1.2rem;margin-top:2rem;max-width:90ch}
.legalpage h1{font-size:clamp(2rem,1.5rem + 2vw,3rem);margin-bottom:1.5rem}
.legalpage h2{font-size:1.25rem;margin:1.8rem 0 .5rem}
.legalpage p{color:var(--muted);margin-bottom:.6rem}

.mbar{display:none}
@media (max-width:900px){
  .mbar:not([hidden]){display:flex;position:sticky;top:78px;z-index:40;margin-bottom:.75rem;align-items:center;gap:.75rem;background:var(--navy);color:#fff;border:1px solid var(--gold);border-radius:14px;padding:.7rem 1rem;text-decoration:none;box-shadow:0 12px 30px rgba(11,35,63,.35)}
  .mbar span{font-size:.82rem;color:var(--inv-m)}
  .mbar strong{font-family:var(--fd);font-weight:800;font-size:1.25rem;color:var(--gold);margin-left:auto;white-space:nowrap}
  .mbar em{font-style:normal;font-size:.8rem;color:var(--inv-m)}
}