/* Enforce Interest — site stylesheet
   Palette from the brand mark: burgundy #6f1818 on cream paper, gold and pine accents. */
:root{
  --ink:#1b1715; --ink-2:#3b3330; --muted:#6b605a; --line:#e3d9c6; --line-2:#d3c6ad;
  --paper:#fbf7ee; --paper-2:#f4ecdc; --paper-3:#efe4cf; --white:#fffdf8;
  --wine:#6f1818; --wine-2:#8e2222; --wine-3:#b33a2e; --wine-soft:#f4e3df;
  --gold:#a07c2c; --gold-2:#c9a24f; --gold-soft:#f5ead0;
  --pine:#2d5638; --pine-soft:#e3eee5;
  --night:#170d0c; --night-2:#24130f; --night-3:#331a15;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --mono:"JetBrains Mono",ui-monospace,SFMono-Regular,Menlo,monospace;
  --r:14px; --r-lg:22px; --shadow:0 1px 2px rgba(40,20,10,.06),0 8px 30px rgba(60,25,15,.08);
  --shadow-lg:0 30px 80px -20px rgba(60,20,10,.35);
  --wrap:1200px; --hdr:72px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--hdr) + 16px)}
html,body{overflow-x:clip}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.7 var(--sans);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
.split>*,.hero-grid>*,.hero-2col>*,.tool-shell>*,.article-wrap>*,.clock-grid>*,.grid>*,#contact-grid>*{min-width:0}
.prose{overflow-wrap:break-word}
img,svg,video{max-width:100%;height:auto;display:block}
a{color:var(--wine);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--wine-2)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.15;letter-spacing:-.01em;color:var(--ink);margin:0 0 .5em}
h1{font-size:clamp(2.3rem,5.2vw,4.1rem);letter-spacing:-.025em}
h2{font-size:clamp(1.8rem,3.4vw,2.7rem);letter-spacing:-.02em}
h3{font-size:clamp(1.25rem,2vw,1.5rem)}
h4{font-size:1.1rem}
p{margin:0 0 1.1em}
em.i,h1 em,h2 em{font-style:italic;font-weight:500;color:var(--wine)}
.dark h1 em,.dark h2 em{color:var(--gold-2)}
strong{font-weight:650}
small{font-size:.85em}
code,.mono{font-family:var(--mono);font-size:.9em}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}
::selection{background:var(--wine);color:#fff}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.wrap-narrow{max-width:800px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:8px 14px;border-radius:8px;z-index:200}
.skip:focus{left:8px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:4px}

/* ---------- Scroll progress ---------- */
.scroll-progress{position:fixed;top:0;left:0;height:3px;width:100%;z-index:120;background:transparent;pointer-events:none}
.scroll-progress span{display:block;height:100%;width:100%;transform-origin:0 50%;transform:scaleX(0);background:linear-gradient(90deg,var(--gold),var(--wine-3),var(--wine))}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:100;background:rgba(251,247,238,.86);backdrop-filter:saturate(1.4) blur(14px);-webkit-backdrop-filter:saturate(1.4) blur(14px);border-bottom:1px solid transparent;transition:border-color .3s,box-shadow .3s,background .3s}
.site-header.scrolled{border-bottom-color:var(--line);box-shadow:0 6px 24px -18px rgba(60,20,10,.4)}
.hdr-in{display:flex;align-items:center;justify-content:space-between;height:var(--hdr);gap:20px}
.logo{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--serif);font-size:1.45rem;font-weight:600;letter-spacing:-.01em;white-space:nowrap}
.logo .mark{width:36px;height:36px;flex:none}
.logo em{font-style:italic;font-weight:500;color:var(--wine)}
.dark .logo,.site-footer .logo{color:#fff}
.site-footer .logo em{color:var(--gold-2)}
.nav-desktop{display:flex;align-items:center;gap:4px}
.nav-desktop>a,.nav-item>button{font:500 .94rem var(--sans);color:var(--ink-2);text-decoration:none;padding:9px 12px;border-radius:10px;background:none;border:0;cursor:pointer;display:inline-flex;align-items:center;gap:6px}
.nav-desktop>a:hover,.nav-item>button:hover,.nav-item.open>button{background:var(--paper-2);color:var(--ink)}
.nav-desktop>a[aria-current]{color:var(--wine)}
.nav-item{position:relative}
.nav-item>button svg{width:12px;height:12px;transition:transform .2s}
.nav-item.open>button svg{transform:rotate(180deg)}
.dropdown{position:absolute;top:calc(100% + 8px);left:50%;transform:translate(-50%,6px);min-width:300px;background:var(--white);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow-lg);padding:10px;opacity:0;visibility:hidden;transition:opacity .18s,transform .18s,visibility .18s}
.dropdown.wide{min-width:560px;display:grid;grid-template-columns:1fr 1fr;gap:2px}
.nav-item.open .dropdown,.nav-item:focus-within .dropdown{opacity:1;visibility:visible;transform:translate(-50%,0)}
.dropdown a{display:block;padding:10px 12px;border-radius:10px;text-decoration:none;color:var(--ink)}
.dropdown a:hover{background:var(--paper-2)}
.dropdown a b{display:block;font-weight:600;font-size:.94rem}
.dropdown a span{display:block;color:var(--muted);font-size:.82rem;line-height:1.4;margin-top:2px}
.nav-cta{margin-left:8px}
.nav-desktop>a.btn-primary{background:var(--wine);color:#fff;padding:11px 18px;border-radius:999px}
.nav-desktop>a.btn-primary:hover{background:var(--wine-2);color:#fff}
.nav-toggle{display:none;width:44px;height:44px;border:1px solid var(--line);background:var(--white);border-radius:12px;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px}
.nav-toggle span{display:block;width:18px;height:2px;background:var(--ink);border-radius:2px;transition:transform .25s,opacity .25s}
.nav-toggle[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded=true] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.nav-mobile{display:none}
@media (max-width:1060px){
  .nav-desktop{display:none}
  .nav-toggle{display:flex}
  .nav-mobile{display:block;position:fixed;inset:var(--hdr) 0 0 0;background:var(--paper);overflow-y:auto;padding:12px 24px 40px;transform:translateX(100%);visibility:hidden;transition:transform .3s ease,visibility 0s .3s;border-top:1px solid var(--line)}
  .nav-mobile.open{transform:none;visibility:visible;transition:transform .3s ease}
  .nav-mobile h4{font:600 .72rem var(--sans);text-transform:uppercase;letter-spacing:.14em;color:var(--muted);margin:22px 0 6px}
  .nav-mobile a{display:block;padding:11px 0;border-bottom:1px solid var(--line);color:var(--ink);text-decoration:none;font-weight:500}
  .nav-mobile .btn{margin-top:22px;width:100%;justify-content:center;border-bottom:0}
}
body.nav-open{overflow:hidden}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:10px;font:600 .96rem/1 var(--sans);padding:15px 22px;border-radius:999px;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:transform .2s,box-shadow .2s,background .2s,color .2s;white-space:nowrap}
.btn svg{width:18px;height:18px;transition:transform .2s}
.btn:hover svg{transform:translateX(3px)}
.btn-primary{background:var(--wine);color:#fff;box-shadow:0 10px 24px -10px rgba(111,24,24,.7)}
.btn-primary:hover{background:var(--wine-2);color:#fff;transform:translateY(-1px)}
.btn-gold{background:var(--gold-2);color:var(--night)}
.btn-gold:hover{background:#d8b45f;color:var(--night);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line-2)}
.btn-ghost:hover{background:var(--white);color:var(--ink);border-color:var(--ink-2)}
.dark .btn-ghost{color:#fff;border-color:rgba(255,255,255,.28)}
.dark .btn-ghost:hover{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.6)}
.btn-sm{padding:10px 16px;font-size:.88rem}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.link-arrow{font-weight:600;text-decoration:none;display:inline-flex;align-items:center;gap:6px}
.link-arrow::after{content:"→";transition:transform .2s}
.link-arrow:hover::after{transform:translateX(4px)}

/* ---------- Typography helpers ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:10px;font:600 .74rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--wine);margin-bottom:18px}
.eyebrow::before{content:"";width:28px;height:1px;background:currentColor;opacity:.6}
.dark .eyebrow{color:var(--gold-2)}
.numeral{font-family:var(--serif);font-style:italic;color:var(--gold);font-weight:500;margin-right:.35em}
.lede{font-size:clamp(1.05rem,1.6vw,1.24rem);color:var(--ink-2);line-height:1.65;max-width:62ch}
.dark .lede{color:rgba(255,255,255,.78)}
.muted{color:var(--muted)}
.center{text-align:center}
.center .lede{margin-left:auto;margin-right:auto}
.cite{display:inline-flex;align-items:center;gap:6px;font:500 .78rem/1 var(--mono);color:var(--wine);background:var(--wine-soft);padding:6px 10px;border-radius:999px;white-space:nowrap}
.dark .cite{background:rgba(201,162,79,.14);color:var(--gold-2)}
.tag{display:inline-block;font:600 .72rem/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;padding:6px 10px;border-radius:999px;background:var(--paper-2);color:var(--ink-2)}
.tag.wine{background:var(--wine-soft);color:var(--wine)}
.tag.pine{background:var(--pine-soft);color:var(--pine)}
.tag.gold{background:var(--gold-soft);color:#7a5c1b}

/* ---------- Sections ---------- */
.section{padding:clamp(64px,9vw,120px) 0;position:relative}
.section.tight{padding:clamp(48px,6vw,80px) 0}
.section.alt{background:var(--paper-2)}
.section.white{background:var(--white)}
.dark{background:var(--night);color:rgba(255,255,255,.86)}
.dark h1,.dark h2,.dark h3,.dark h4{color:#fff}
.dark a:not(.btn){color:var(--gold-2)}
.sec-head{max-width:760px;margin-bottom:clamp(36px,5vw,60px)}
.sec-head.center{margin-left:auto;margin-right:auto}
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:960px){.g3,.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:680px){.g2,.g3,.g4{grid-template-columns:1fr}}
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(32px,6vw,80px);align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr}}

/* ---------- Home hero ---------- */
.hero-home{position:relative;overflow:hidden;padding:clamp(56px,8vw,110px) 0 clamp(70px,9vw,120px);background:radial-gradient(1200px 600px at 85% -10%,rgba(142,34,34,.55),transparent 60%),radial-gradient(900px 500px at -10% 110%,rgba(160,124,44,.18),transparent 60%),var(--night)}
.hero-home::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:56px 56px;mask-image:radial-gradient(ellipse at 60% 40%,#000 30%,transparent 75%);-webkit-mask-image:radial-gradient(ellipse at 60% 40%,#000 30%,transparent 75%)}
.hero-sect{position:absolute;right:-4vw;top:-6vw;font-family:var(--serif);font-size:min(46vw,620px);line-height:1;color:rgba(255,255,255,.035);pointer-events:none;user-select:none;will-change:transform}
.hero-grid{position:relative;display:grid;grid-template-columns:1.12fr .88fr;gap:clamp(36px,5vw,72px);align-items:center}
@media (max-width:980px){.hero-grid{grid-template-columns:1fr}}
.hero-home h1{color:#fff;margin-bottom:22px}
.hero-home h1 .line{display:block}
.hero-home .lede{margin-bottom:30px}
.hero-meta{display:flex;flex-wrap:wrap;gap:18px 28px;margin-top:34px;padding-top:26px;border-top:1px solid rgba(255,255,255,.1);font-size:.9rem;color:rgba(255,255,255,.66)}
.hero-meta b{display:block;font-family:var(--serif);font-size:1.6rem;color:#fff;font-weight:600;line-height:1.1}
.disclaim{font-size:.8rem;color:var(--muted);line-height:1.5;margin-top:18px;max-width:60ch}
.dark .disclaim{color:rgba(255,255,255,.5)}

/* accrual card */
.accrual{position:relative;background:linear-gradient(160deg,rgba(255,255,255,.09),rgba(255,255,255,.03));border:1px solid rgba(255,255,255,.12);border-radius:26px;padding:28px;box-shadow:0 40px 90px -30px rgba(0,0,0,.7);backdrop-filter:blur(8px)}
.accrual-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.live{display:inline-flex;align-items:center;gap:8px;font:600 .72rem var(--sans);letter-spacing:.14em;text-transform:uppercase;color:#f3c9b9}
.live::before{content:"";width:8px;height:8px;border-radius:50%;background:#ff6a4d;box-shadow:0 0 0 0 rgba(255,106,77,.6);animation:pulse 1.8s infinite}
@keyframes pulse{70%{box-shadow:0 0 0 10px rgba(255,106,77,0)}100%{box-shadow:0 0 0 0 rgba(255,106,77,0)}}
.ring-wrap{display:grid;grid-template-columns:150px 1fr;gap:22px;align-items:center}
.ring{position:relative;width:150px;height:150px}
.ring svg{width:150px;height:150px;transform:rotate(-90deg)}
.ring .track{stroke:rgba(255,255,255,.1)}
.ring .fill{stroke:url(#ringGrad);stroke-linecap:round;transition:stroke-dashoffset .6s ease}
.ring .over{stroke:#ff6a4d;stroke-linecap:round}
.ring-label{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.ring-label b{font:600 2.3rem/1 var(--serif);color:#fff}
.ring-label span{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.6);margin-top:4px}
.accrual-amt{font:600 clamp(2.4rem,4.6vw,3.4rem)/1 var(--serif);color:#fff;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.accrual-amt small{font-size:.5em;color:rgba(255,255,255,.55);letter-spacing:0}
.accrual-sub{font-size:.88rem;color:rgba(255,255,255,.65);margin-top:8px}
.accrual-rows{margin-top:20px;border-top:1px dashed rgba(255,255,255,.16);padding-top:14px;display:grid;gap:8px}
.accrual-rows div{display:flex;justify-content:space-between;font-size:.88rem;color:rgba(255,255,255,.7)}
.accrual-rows b{font-family:var(--mono);color:#fff;font-weight:500}
.accrual-ctrl{display:flex;gap:8px;margin-top:18px;flex-wrap:wrap}
.accrual-ctrl button{flex:1;min-width:84px;font:600 .8rem var(--sans);padding:10px;border-radius:10px;border:1px solid rgba(255,255,255,.16);background:transparent;color:rgba(255,255,255,.8);cursor:pointer}
.accrual-ctrl button[aria-pressed=true]{background:var(--gold-2);border-color:var(--gold-2);color:var(--night)}
.accrual-foot{font:500 .72rem var(--mono);color:rgba(255,255,255,.42);margin-top:14px}
@media (max-width:480px){.ring-wrap{grid-template-columns:1fr;justify-items:center;text-align:center}}

/* marquee ticker */
.ticker{background:var(--wine);color:#fff;overflow:hidden;white-space:nowrap;border-block:1px solid rgba(0,0,0,.2)}
.ticker-track{display:inline-flex;gap:48px;padding:14px 0;animation:marquee 46s linear infinite}
.ticker span{font:500 .86rem var(--mono);opacity:.92}
.ticker span b{color:var(--gold-2);font-weight:600;margin-right:6px}
@keyframes marquee{to{transform:translateX(-50%)}}

/* ---------- Cards ---------- */
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;box-shadow:var(--shadow);position:relative;transition:transform .25s,box-shadow .25s,border-color .25s}
a.card{display:block;text-decoration:none;color:inherit}
a.card:hover,.card.hover:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:var(--line-2)}
.card h3{margin-bottom:10px}
.card p:last-child{margin-bottom:0}
.card .ico{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;background:var(--wine-soft);color:var(--wine);margin-bottom:18px}
.card .ico svg{width:26px;height:26px}
.card .more{margin-top:16px;display:inline-flex;font-weight:600;color:var(--wine);gap:6px}
.card .more::after{content:"→";transition:transform .2s}
a.card:hover .more::after{transform:translateX(4px)}
.card.dark-card{background:var(--night-2);border-color:rgba(255,255,255,.08);color:rgba(255,255,255,.8)}
.card.dark-card h3{color:#fff}
.card-num{position:absolute;top:22px;right:24px;font:500 .8rem var(--mono);color:var(--muted)}
.card ul{padding-left:1.1em;margin:0}
.card li{margin:.35em 0}
.dark .card{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.1);color:rgba(255,255,255,.8);box-shadow:none}
.dark .card .ico{background:rgba(201,162,79,.14);color:var(--gold-2)}

/* claim cards with image-like header */
.claim-card{overflow:hidden;padding:0}
.claim-card .cc-top{height:132px;position:relative;background:var(--night-2);overflow:hidden}
.claim-card .cc-top svg.art{position:absolute;inset:0;width:100%;height:100%}
.claim-card .cc-body{padding:24px 26px 26px}
.claim-card .rate{position:absolute;right:16px;bottom:14px;font:600 .78rem var(--mono);background:rgba(0,0,0,.35);color:#fff;padding:6px 10px;border-radius:999px;backdrop-filter:blur(6px)}

/* ---------- Scroll timeline (60-day clock) ---------- */
.clock-sec{background:var(--white)}
.clock-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(30px,6vw,90px)}
@media (max-width:900px){.clock-grid{grid-template-columns:1fr}}
.clock-sticky{position:sticky;top:calc(var(--hdr) + 40px);align-self:start}
.clock-face{margin-top:28px;background:var(--night);color:#fff;border-radius:26px;padding:28px;box-shadow:var(--shadow-lg)}
.clock-day{font:600 clamp(4rem,9vw,6.2rem)/.9 var(--serif);letter-spacing:-.04em;font-variant-numeric:tabular-nums}
.clock-day small{font:500 .9rem var(--sans);letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.55);display:block;margin-bottom:8px}
.clock-bar{height:10px;border-radius:999px;background:rgba(255,255,255,.1);margin:22px 0 12px;overflow:hidden;position:relative}
.clock-bar i{position:absolute;inset:0;transform-origin:0 50%;transform:scaleX(0);background:linear-gradient(90deg,var(--gold-2),#ff6a4d);border-radius:999px}
.clock-bar::after{content:"";position:absolute;top:0;bottom:0;left:75%;width:2px;background:#fff;opacity:.6}
.clock-legend{display:flex;justify-content:space-between;font:500 .72rem var(--mono);color:rgba(255,255,255,.5)}
.clock-status{margin-top:18px;font-size:.95rem;color:rgba(255,255,255,.8);min-height:3em}
.clock-status b{color:var(--gold-2)}
.steps-v{position:relative;padding-left:44px}
.steps-v::before{content:"";position:absolute;left:15px;top:8px;bottom:8px;width:2px;background:var(--line)}
.steps-v .prog{position:absolute;left:15px;top:8px;width:2px;height:calc(100% - 16px);background:linear-gradient(var(--gold),var(--wine));transform-origin:top;transform:scaleY(0)}
.step-v{position:relative;padding:0 0 clamp(48px,7vw,88px)}
.step-v:last-child{padding-bottom:0}
.step-v::before{content:"";position:absolute;left:-37px;top:6px;width:16px;height:16px;border-radius:50%;background:var(--white);border:2px solid var(--line-2);transition:background .3s,border-color .3s,box-shadow .3s}
.step-v.active::before{background:var(--wine);border-color:var(--wine);box-shadow:0 0 0 6px var(--wine-soft)}
.step-v .when{font:600 .78rem var(--mono);color:var(--wine);letter-spacing:.04em;text-transform:uppercase;margin-bottom:8px;display:block}
.step-v h3{margin-bottom:10px}

/* ---------- Rate comparison ---------- */
.rate-cards{display:grid;grid-template-columns:1fr 1fr;gap:24px}
@media (max-width:760px){.rate-cards{grid-template-columns:1fr}}
.rate-card{border-radius:var(--r-lg);padding:32px;border:1px solid var(--line);background:var(--white);position:relative;overflow:hidden}
.rate-card.std{background:linear-gradient(160deg,#fff,var(--wine-soft))}
.rate-card.flt{background:linear-gradient(160deg,#fff,var(--gold-soft))}
.rate-big{font:600 clamp(3.4rem,7vw,5rem)/1 var(--serif);letter-spacing:-.04em;color:var(--wine);margin:14px 0 6px}
.rate-card.flt .rate-big{color:#7a5c1b}
.rate-big sup{font-size:.4em;vertical-align:super;margin-left:2px}
.bar{height:12px;border-radius:999px;background:rgba(0,0,0,.06);overflow:hidden;margin:18px 0}
.bar i{display:block;height:100%;border-radius:999px;background:var(--wine);transform-origin:0 50%;transform:scaleX(0);transition:transform 1.4s cubic-bezier(.2,.8,.2,1)}
.rate-card.flt .bar i{background:var(--gold)}
.in .bar i,.bar.in i{transform:scaleX(var(--w,1))}
.rate-card ul{padding-left:1.1em;margin:0 0 6px}

/* ---------- Stats ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:var(--white)}
.stats>div{padding:28px 24px;border-right:1px solid var(--line)}
.stats>div:last-child{border-right:0}
.stats b{display:block;font:600 clamp(2.2rem,4vw,3rem)/1 var(--serif);color:var(--wine);letter-spacing:-.03em;margin-bottom:8px}
.stats span{font-size:.9rem;color:var(--muted);line-height:1.4;display:block}
@media (max-width:820px){.stats{grid-template-columns:1fr 1fr}.stats>div:nth-child(2){border-right:0}.stats>div:nth-child(-n+2){border-bottom:1px solid var(--line)}}
.dark .stats{background:rgba(255,255,255,.03);border-color:rgba(255,255,255,.1)}
.dark .stats>div{border-color:rgba(255,255,255,.1)}
.dark .stats b{color:var(--gold-2)}
.dark .stats span{color:rgba(255,255,255,.6)}

/* ---------- Before/after (Hinojos) ---------- */
.toggle-pill{display:inline-flex;background:var(--paper-2);border:1px solid var(--line);border-radius:999px;padding:4px;gap:4px}
.toggle-pill button{font:600 .88rem var(--sans);padding:10px 18px;border-radius:999px;border:0;background:transparent;color:var(--ink-2);cursor:pointer}
.toggle-pill button[aria-selected=true]{background:var(--wine);color:#fff}
.dark .toggle-pill{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.12)}
.dark .toggle-pill button{color:rgba(255,255,255,.8)}
.ba-panel[hidden]{display:none}
.ba-flow{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:26px}
@media (max-width:820px){.ba-flow{grid-template-columns:1fr 1fr}}
.ba-step{border-radius:16px;padding:20px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);position:relative}
.ba-step b{display:block;font:600 .74rem var(--mono);color:var(--gold-2);letter-spacing:.08em;text-transform:uppercase;margin-bottom:8px}
.ba-step p{margin:0;font-size:.94rem}
.ba-step.bad{border-color:rgba(255,106,77,.45);background:rgba(255,106,77,.08)}
.ba-step.good{border-color:rgba(122,190,140,.5);background:rgba(122,190,140,.08)}

/* ---------- Checklist / qualify ---------- */
.check,.cross{list-style:none;padding:0;margin:0}
.check li,.cross li{position:relative;padding:12px 0 12px 36px;border-bottom:1px solid var(--line)}
.check li:last-child,.cross li:last-child{border-bottom:0}
.check li::before,.cross li::before{position:absolute;left:0;top:13px;width:24px;height:24px;border-radius:50%;display:grid;place-items:center;font-size:.8rem;font-weight:700}
.check li::before{content:"✓";background:var(--pine-soft);color:var(--pine)}
.cross li::before{content:"✕";background:var(--wine-soft);color:var(--wine)}

/* ---------- Steps (horizontal) ---------- */
.steps-h{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
@media (max-width:900px){.steps-h{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.steps-h{grid-template-columns:1fr}}
.step-h{counter-increment:s;padding:28px 24px;border-radius:var(--r-lg);background:var(--white);border:1px solid var(--line);position:relative}
.step-h::before{content:"0" counter(s);font:600 .82rem var(--mono);color:var(--wine);background:var(--wine-soft);padding:6px 10px;border-radius:999px;display:inline-block;margin-bottom:16px}
.dark .step-h{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.1)}
.dark .step-h::before{background:rgba(201,162,79,.14);color:var(--gold-2)}

/* ---------- FAQ ---------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 48px 22px 0;position:relative;font:600 1.12rem/1.4 var(--serif);color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:50%;width:14px;height:14px;margin-top:-7px;background:linear-gradient(var(--wine),var(--wine)) center/14px 2px no-repeat,linear-gradient(var(--wine),var(--wine)) center/2px 14px no-repeat;transition:transform .25s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .ans{padding:0 0 22px;color:var(--ink-2);max-width:72ch}
.faq .ans p:last-child{margin-bottom:0}
.dark .faq,.dark .faq details{border-color:rgba(255,255,255,.12)}
.dark .faq summary{color:#fff}
.dark .faq .ans{color:rgba(255,255,255,.75)}

/* ---------- CTA band ---------- */
.cta-band{position:relative;overflow:hidden;border-radius:30px;padding:clamp(36px,6vw,70px);background:radial-gradient(700px 300px at 100% 0,rgba(201,162,79,.25),transparent 60%),linear-gradient(135deg,var(--wine),#4a0f0f);color:#fff}
.cta-band h2{color:#fff;max-width:20ch}
.cta-band p{color:rgba(255,255,255,.82);max-width:58ch}
.cta-band .sect{position:absolute;right:30px;bottom:-60px;font:500 260px/1 var(--serif);color:rgba(255,255,255,.07);pointer-events:none}
.cta-band .btn-ghost{color:#fff;border-color:rgba(255,255,255,.35)}
.cta-band .btn-ghost:hover{background:rgba(255,255,255,.1);color:#fff}

/* ---------- Interior hero ---------- */
.page-hero{position:relative;overflow:hidden;padding:clamp(44px,6vw,84px) 0 clamp(48px,6vw,80px);background:radial-gradient(900px 420px at 100% 0,rgba(142,34,34,.5),transparent 60%),var(--night);color:rgba(255,255,255,.85)}
.page-hero::before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.03) 1px,transparent 1px);background-size:48px 48px;mask-image:linear-gradient(90deg,transparent,#000 60%);-webkit-mask-image:linear-gradient(90deg,transparent,#000 60%)}
.page-hero .wrap{position:relative}
.page-hero h1{color:#fff;font-size:clamp(2.1rem,4.6vw,3.5rem);max-width:22ch;margin-bottom:18px}
.page-hero .lede{color:rgba(255,255,255,.76)}
.page-hero .btn-row{margin-top:28px}
.page-hero .hero-sect{font-size:min(36vw,420px);top:-3vw;right:-2vw}
.hero-2col{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:end}
@media (max-width:900px){.hero-2col{grid-template-columns:1fr}}
.hero-facts{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:20px;padding:22px 24px}
.hero-facts div>*{min-width:0}
.hero-facts div{display:flex;justify-content:space-between;gap:16px;padding:10px 0;border-bottom:1px dashed rgba(255,255,255,.14);font-size:.92rem}
.hero-facts div:last-child{border-bottom:0}
.hero-facts b{font-family:var(--mono);color:#fff;font-weight:500;text-align:right;overflow-wrap:anywhere}
.crumbs{font-size:.84rem;color:rgba(255,255,255,.55);margin-bottom:22px;display:flex;flex-wrap:wrap;gap:8px}
.crumbs a{color:rgba(255,255,255,.75);text-decoration:none}
.crumbs a:hover{color:#fff}
.crumbs span[aria-hidden]{opacity:.4}

/* ---------- Article / prose ---------- */
.article-wrap{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:clamp(32px,5vw,72px);align-items:start}
@media (max-width:1020px){.article-wrap{grid-template-columns:1fr}.article-side{order:-1}}
.prose{font-size:1.06rem;line-height:1.8;color:var(--ink-2);max-width:760px}
.prose h2{margin:2.2em 0 .6em;font-size:clamp(1.55rem,2.6vw,2.05rem);color:var(--ink);scroll-margin-top:calc(var(--hdr) + 20px)}
.prose h3{margin:1.8em 0 .5em;color:var(--ink);font-size:1.3rem}
.prose h2:first-child,.prose h3:first-child{margin-top:0}
.prose ul,.prose ol{padding-left:1.25em;margin:0 0 1.2em}
.prose li{margin:.45em 0}
.prose li::marker{color:var(--wine)}
.prose blockquote{margin:1.8em 0;padding:22px 26px;border-left:3px solid var(--wine);background:var(--white);border-radius:0 14px 14px 0;font-family:var(--serif);font-size:1.12rem;color:var(--ink)}
.prose blockquote p:last-child{margin:0}
.prose blockquote cite{display:block;margin-top:10px;font:500 .8rem var(--mono);color:var(--muted);font-style:normal}
.prose figure{margin:2em 0}
.prose figure img{border-radius:16px}
.prose figcaption{font-size:.85rem;color:var(--muted);margin-top:8px}
.prose table,.table{width:100%;border-collapse:collapse;margin:1.6em 0;font-size:.95rem;background:var(--white);border-radius:14px;overflow:hidden;box-shadow:0 0 0 1px var(--line)}
.prose th,.prose td,.table th,.table td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.prose th,.table th{background:var(--paper-2);font-weight:600;color:var(--ink);font-size:.86rem;letter-spacing:.02em}
.prose tr:last-child td,.table tr:last-child td{border-bottom:0}
.table-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:1.6em 0}
.table-scroll table{margin:0;min-width:560px}
.num{font-family:var(--mono);font-variant-numeric:tabular-nums;white-space:nowrap}
.callout{border-radius:16px;padding:20px 22px;margin:1.8em 0;background:var(--gold-soft);border:1px solid #ead9ad;color:#4a3a14;font-size:.98rem}
.callout.wine{background:var(--wine-soft);border-color:#ebc9c2;color:#4a1414}
.callout.pine{background:var(--pine-soft);border-color:#c6dccb;color:#1d3b26}
.callout strong:first-child{display:block;margin-bottom:4px;font-family:var(--serif);font-size:1.05rem}
.callout p:last-child{margin-bottom:0}
.keybox{border:1px solid var(--line);background:var(--white);border-radius:18px;padding:22px 24px;margin:0 0 2em}
.keybox h2,.keybox h3{font-size:1.05rem;font-family:var(--sans);font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--wine);margin:0 0 10px}
.keybox ul{margin:0}
.article-meta{display:flex;flex-wrap:wrap;gap:8px 18px;font-size:.88rem;color:rgba(255,255,255,.62);margin-top:6px}
.article-meta span{display:inline-flex;align-items:center;gap:6px}
.article-hero-img{margin-top:-40px;position:relative;z-index:2}
.article-hero-img img{border-radius:22px;box-shadow:var(--shadow-lg);width:100%;aspect-ratio:3/2;object-fit:cover}
.article-side{position:sticky;top:calc(var(--hdr) + 24px);display:grid;gap:18px}
@media (max-width:1020px){.article-side{position:static}}
.toc{background:var(--white);border:1px solid var(--line);border-radius:18px;padding:20px 22px}
.toc b{display:block;font:700 .72rem var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.toc ol{list-style:none;margin:0;padding:0;counter-reset:t}
.toc li{counter-increment:t}
.toc a{display:flex;gap:10px;padding:7px 0;font-size:.9rem;color:var(--ink-2);text-decoration:none;line-height:1.4;border-left:2px solid transparent;padding-left:10px;margin-left:-12px}
.toc a::before{content:counter(t,decimal-leading-zero);font:500 .75rem var(--mono);color:var(--muted);padding-top:2px}
.toc a:hover,.toc a.active{color:var(--wine);border-left-color:var(--wine)}
@media (max-width:1020px){.toc{display:none}}
.side-cta{background:var(--night);color:rgba(255,255,255,.8);border-radius:18px;padding:24px}
.side-cta h3{color:#fff;font-size:1.2rem}
.side-cta p{font-size:.92rem}
.side-tool{background:var(--wine-soft);border-radius:18px;padding:22px;border:1px solid #ebc9c2}
.side-tool h3{font-size:1.08rem}
.side-tool p{font-size:.9rem;color:var(--ink-2)}
.author-box{display:flex;gap:16px;align-items:flex-start;border-top:1px solid var(--line);margin-top:3em;padding-top:2em}
.author-box .mark{width:54px;height:54px;flex:none}
.author-box p{font-size:.92rem;color:var(--muted);margin:4px 0 0}
.related{margin-top:3em}

/* ---------- Blog list ---------- */
.post-card{display:flex;flex-direction:column;padding:0;overflow:hidden}
.post-card .pc-img{aspect-ratio:3/2;overflow:hidden;background:var(--night)}
.post-card .pc-img img{width:100%;height:100%;object-fit:cover;transition:transform .6s}
.post-card:hover .pc-img img{transform:scale(1.04)}
.post-card .pc-body{padding:22px 24px 26px;display:flex;flex-direction:column;flex:1}
.post-card h3{font-size:1.26rem}
.post-card .meta{font-size:.82rem;color:var(--muted);margin-top:auto;padding-top:12px}
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px}
.filters button{font:600 .86rem var(--sans);padding:9px 16px;border-radius:999px;border:1px solid var(--line-2);background:var(--white);color:var(--ink-2);cursor:pointer}
.filters button[aria-pressed=true]{background:var(--ink);color:#fff;border-color:var(--ink)}

/* ---------- Tools ---------- */
.tool-shell{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:28px;align-items:start}
@media (max-width:980px){.tool-shell{grid-template-columns:1fr}}
.tool-panel{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(20px,3vw,32px);box-shadow:var(--shadow)}
.tool-panel+.tool-panel{margin-top:20px}
.tool-panel h2{font-size:1.35rem;display:flex;align-items:center;gap:12px;margin-bottom:6px}
.tool-panel h2 .n{font:600 .74rem var(--mono);color:var(--wine);background:var(--wine-soft);border-radius:8px;padding:5px 8px}
.tool-panel .hint{font-size:.88rem;color:var(--muted);margin-bottom:18px}
.results{position:sticky;top:calc(var(--hdr) + 20px)}
@media (max-width:980px){.results{position:static}}
.result-card{background:var(--night);color:rgba(255,255,255,.82);border-radius:var(--r-lg);padding:clamp(22px,3vw,32px);box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.result-card::after{content:"§";position:absolute;right:-10px;bottom:-60px;font:500 220px/1 var(--serif);color:rgba(255,255,255,.04);pointer-events:none}
.result-card h2,.result-card h3{color:#fff}
.result-label{font:600 .72rem var(--sans);letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.55)}
.result-big{font:600 clamp(2.4rem,5vw,3.4rem)/1.05 var(--serif);color:#fff;letter-spacing:-.02em;margin:8px 0 6px;font-variant-numeric:tabular-nums;word-break:break-word}
.result-big.gold{color:var(--gold-2)}
.result-sub{font-size:.9rem;color:rgba(255,255,255,.62)}
.result-rows{margin:22px 0 0;border-top:1px dashed rgba(255,255,255,.16)}
.result-rows div{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px dashed rgba(255,255,255,.1);font-size:.92rem}
.result-rows div b{font-family:var(--mono);color:#fff;font-weight:500;text-align:right}
.result-rows div.total{border-bottom:0;font-weight:600;color:#fff;padding-top:14px}
.result-rows div.total b{color:var(--gold-2);font-size:1.05rem}
.result-actions{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}
.result-actions button,.result-actions a{font:600 .82rem var(--sans);padding:10px 14px;border-radius:10px;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.04);color:#fff;cursor:pointer;text-decoration:none}
.result-actions button:hover,.result-actions a:hover{background:rgba(255,255,255,.12)}
.result-note{font-size:.8rem;color:rgba(255,255,255,.5);margin-top:16px;line-height:1.5}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:16px;min-width:0}
.field label,.field .lab{font:600 .86rem var(--sans);color:var(--ink)}
.field .help{font-size:.8rem;color:var(--muted);line-height:1.4}
.field input,.field select,.field textarea{font:500 1rem var(--sans);padding:12px 14px;border:1px solid var(--line-2);border-radius:12px;background:var(--paper);color:var(--ink);width:100%;transition:border-color .2s,box-shadow .2s;min-width:0}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--wine);box-shadow:0 0 0 4px rgba(111,24,24,.12);background:#fff}
.field textarea{min-height:130px;resize:vertical}
.field .money{position:relative}
.field .money::before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.field .money input{padding-left:28px}
.field .pct{position:relative}
.field .pct::after{content:"%";position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.row3{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
@media (max-width:560px){.row2,.row3{grid-template-columns:1fr}}
.seg{display:grid;grid-auto-flow:column;grid-auto-columns:1fr;gap:6px;background:var(--paper-2);border:1px solid var(--line);padding:5px;border-radius:14px}
.seg label{position:relative;cursor:pointer}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg span{display:block;text-align:center;padding:10px 8px;border-radius:10px;font:600 .86rem/1.25 var(--sans);color:var(--ink-2)}
.seg span small{display:block;font-weight:500;font-size:.74rem;color:var(--muted);margin-top:2px}
.seg input:checked+span{background:var(--white);color:var(--wine);box-shadow:0 2px 8px rgba(60,20,10,.12)}
.seg input:checked+span small{color:var(--wine-2)}
.seg input:focus-visible+span{outline:2px solid var(--gold)}
@media (max-width:520px){.seg{grid-auto-flow:row}}
.chk{display:flex;gap:10px;align-items:flex-start;font-size:.92rem;margin-bottom:12px;cursor:pointer}
.chk input{width:18px;height:18px;margin-top:3px;accent-color:var(--wine);flex:none}
.pay-list{display:grid;gap:10px;margin-bottom:12px}
.pay-row{display:grid;grid-template-columns:1fr 1fr auto;gap:10px;align-items:end}
.pay-row .field{margin:0}
.icon-btn{width:44px;height:46px;border-radius:12px;border:1px solid var(--line-2);background:var(--paper);cursor:pointer;color:var(--muted);font-size:1.2rem;display:grid;place-items:center}
.icon-btn:hover{color:var(--wine);border-color:var(--wine)}
.add-btn{font:600 .88rem var(--sans);padding:10px 14px;border-radius:10px;border:1px dashed var(--line-2);background:transparent;color:var(--wine);cursor:pointer}
.add-btn:hover{background:var(--wine-soft);border-color:var(--wine)}
.component{border:1px solid var(--line);border-radius:18px;padding:20px;margin-bottom:16px;background:var(--paper)}
.component-head{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-bottom:14px}
.component-head input{font:600 1.02rem var(--serif);border:0;background:transparent;color:var(--ink);padding:4px 0;border-bottom:1px dashed var(--line-2);width:100%;max-width:340px}
.component-head input:focus{outline:0;border-bottom-color:var(--wine)}
.mini-table{width:100%;border-collapse:collapse;font-size:.84rem;margin-top:18px}
.mini-table th,.mini-table td{padding:8px 6px;border-bottom:1px solid rgba(255,255,255,.08);text-align:right}
.mini-table th:first-child,.mini-table td:first-child{text-align:left}
.mini-table th{color:rgba(255,255,255,.5);font-weight:600;font-size:.74rem;text-transform:uppercase;letter-spacing:.06em}
.mini-table td{font-family:var(--mono);color:#fff}
.result-card .tbl-wrap{max-height:320px;overflow:auto}
.warn{border-radius:12px;padding:12px 14px;background:rgba(255,106,77,.12);border:1px solid rgba(255,106,77,.35);color:#ffd9cf;font-size:.86rem;margin-top:14px}
.ok{border-radius:12px;padding:12px 14px;background:rgba(122,190,140,.12);border:1px solid rgba(122,190,140,.35);color:#d6f0dc;font-size:.86rem;margin-top:14px}
.tl{list-style:none;margin:18px 0 0;padding:0;position:relative}
.tl::before{content:"";position:absolute;left:7px;top:6px;bottom:6px;width:2px;background:rgba(255,255,255,.12)}
.tl li{position:relative;padding:0 0 18px 30px}
.tl li::before{content:"";position:absolute;left:0;top:6px;width:16px;height:16px;border-radius:50%;background:var(--night);border:2px solid var(--gold-2)}
.tl li.past::before{background:var(--gold-2)}
.tl li.late::before{border-color:#ff6a4d;background:#ff6a4d}
.tl li b{display:block;color:#fff;font-weight:600}
.tl li .d{font:500 .86rem var(--mono);color:var(--gold-2)}
.tl li .x{font-size:.82rem;color:rgba(255,255,255,.6);display:block;margin-top:2px}
.tool-cards .card .tag{margin-bottom:14px}
.quiz{max-width:760px;margin:0 auto}
.quiz-q{display:none}
.quiz-q.on{display:block;animation:fadeUp .4s ease}
.quiz-opts{display:grid;gap:10px;margin-top:20px}
.quiz-opts button{text-align:left;font:500 1rem var(--sans);padding:16px 18px;border-radius:14px;border:1px solid var(--line-2);background:var(--white);cursor:pointer;color:var(--ink);transition:border-color .2s,background .2s,transform .2s}
.quiz-opts button:hover{border-color:var(--wine);background:var(--wine-soft);transform:translateX(3px)}
.quiz-prog{height:6px;background:var(--paper-3);border-radius:999px;overflow:hidden;margin-bottom:26px}
.quiz-prog i{display:block;height:100%;background:linear-gradient(90deg,var(--gold),var(--wine));width:0;transition:width .4s}
.quiz-back{background:none;border:0;color:var(--muted);font:600 .86rem var(--sans);cursor:pointer;margin-top:16px;padding:0}
.verdict{border-radius:22px;padding:30px;margin-top:10px}
.verdict.strong{background:var(--pine-soft);border:1px solid #c6dccb}
.verdict.maybe{background:var(--gold-soft);border:1px solid #ead9ad}
.verdict.weak{background:var(--wine-soft);border:1px solid #ebc9c2}
@keyframes fadeUp{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}
.chart{width:100%;height:auto;background:var(--white);border:1px solid var(--line);border-radius:18px;padding:12px}
.chart text{font:500 11px var(--mono);fill:var(--muted)}
.chart .grid line{stroke:var(--line)}
.chart .l1{fill:none;stroke:var(--wine);stroke-width:2.5}
.chart .l2{fill:none;stroke:var(--gold);stroke-width:2.5;stroke-dasharray:6 4}
.chart .area{fill:url(#chartGrad)}
.legend{display:flex;gap:18px;flex-wrap:wrap;font-size:.86rem;color:var(--muted);margin-top:10px}
.legend i{display:inline-block;width:18px;height:3px;border-radius:2px;margin-right:6px;vertical-align:middle}

/* ---------- Contact ---------- */
.form-card{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,4vw,40px);box-shadow:var(--shadow)}
.form-status{margin-top:16px;font-weight:600;border-radius:12px;padding:0}
.form-status.ok{background:var(--pine-soft);color:var(--pine);padding:14px 16px;border:0}
.form-status.err{background:var(--wine-soft);color:var(--wine);padding:14px 16px}
.hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.radio-row{display:flex;flex-wrap:wrap;gap:8px}
.radio-row label{cursor:pointer;position:relative}
.radio-row input{position:absolute;opacity:0}
.radio-row span{display:inline-block;padding:9px 16px;border-radius:999px;border:1px solid var(--line-2);font:600 .86rem var(--sans);background:var(--paper)}
.radio-row input:checked+span{background:var(--wine);color:#fff;border-color:var(--wine)}
.radio-row input:focus-visible+span{outline:2px solid var(--gold)}
.file-drop{border:1.5px dashed var(--line-2);border-radius:14px;padding:18px;text-align:center;background:var(--paper);font-size:.9rem;color:var(--muted);cursor:pointer;position:relative}
.file-drop input{position:absolute;inset:0;opacity:0;cursor:pointer}
.file-drop.has{border-color:var(--wine);color:var(--wine)}
.contact-aside{display:grid;gap:16px}
.contact-aside .card{padding:22px}

/* ---------- Footer ---------- */
.site-footer{background:var(--night);color:rgba(255,255,255,.66);padding:72px 0 30px;font-size:.93rem;position:relative;overflow:hidden}
.site-footer::before{content:"§";position:absolute;right:4%;top:-40px;font:500 340px/1 var(--serif);color:rgba(255,255,255,.025);pointer-events:none}
.foot-grid{display:grid;grid-template-columns:1.5fr repeat(4,1fr);gap:36px;position:relative}
@media (max-width:1000px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.foot-grid{grid-template-columns:1fr}}
.site-footer h4{font:700 .72rem var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2);margin:6px 0 14px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:0 0 9px}
.site-footer a{color:rgba(255,255,255,.75);text-decoration:none}
.site-footer a:hover{color:#fff}
.foot-legal{border-top:1px solid rgba(255,255,255,.1);margin-top:48px;padding-top:24px;font-size:.8rem;line-height:1.6;color:rgba(255,255,255,.48);position:relative}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;margin-top:18px;font:500 .74rem var(--mono);letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.4)}
.to-top{position:fixed;right:18px;bottom:18px;width:46px;height:46px;border-radius:50%;border:0;background:var(--wine);color:#fff;font-size:1.1rem;cursor:pointer;box-shadow:var(--shadow-lg);opacity:0;transform:translateY(10px);pointer-events:none;transition:opacity .25s,transform .25s;z-index:90}
.to-top.show{opacity:1;transform:none;pointer-events:auto}

/* ---------- Reveal animations ---------- */
.js [data-reveal]{opacity:0;transform:translateY(28px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1)}
.js [data-reveal=left]{transform:translateX(-28px)}
.js [data-reveal=right]{transform:translateX(28px)}
.js [data-reveal=zoom]{transform:scale(.96)}
.js [data-reveal].in{opacity:1;transform:none}
.js [data-stagger]>*{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.js [data-stagger].in>*{opacity:1;transform:none}
.js [data-stagger].in>*:nth-child(2){transition-delay:.08s}
.js [data-stagger].in>*:nth-child(3){transition-delay:.16s}
.js [data-stagger].in>*:nth-child(4){transition-delay:.24s}
.js [data-stagger].in>*:nth-child(5){transition-delay:.32s}
.js [data-stagger].in>*:nth-child(6){transition-delay:.4s}
.js [data-stagger].in>*:nth-child(7){transition-delay:.48s}
.js [data-stagger].in>*:nth-child(8){transition-delay:.56s}
.js .hero-home h1 .line{opacity:0;transform:translateY(30px);animation:lineIn .9s cubic-bezier(.2,.7,.2,1) forwards}
.js .hero-home h1 .line:nth-child(2){animation-delay:.12s}
.js .hero-home h1 .line:nth-child(3){animation-delay:.24s}
@keyframes lineIn{to{opacity:1;transform:none}}
.underline-draw{background:linear-gradient(var(--gold-2),var(--gold-2)) 0 92%/0 3px no-repeat;transition:background-size 1.2s .5s ease}
.in .underline-draw,.loaded .underline-draw{background-size:100% 3px}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
  .js [data-reveal],.js [data-stagger]>*{opacity:1;transform:none}
  .ticker-track{animation:none}
}

/* ---------- Print (calculator memos) ---------- */
@media print{
  .site-header,.site-footer,.scroll-progress,.to-top,.page-hero .btn-row,.no-print,.cta-band,.ticker{display:none!important}
  body{background:#fff;font-size:12pt}
  .page-hero{background:#fff;color:#000;padding:0 0 12pt}
  .page-hero h1,.page-hero .lede{color:#000}
  .result-card{background:#fff;color:#000;box-shadow:none;border:1px solid #999}
  .result-card *{color:#000!important}
  .tool-shell{display:block}
}