/* Raman Rai Real Estate · site styles */
@font-face{font-family:"Cormorant Garamond";font-style:normal;font-weight:500;font-display:swap;src:url(/assets/fonts/cormorant-garamond-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"Cormorant Garamond";font-style:normal;font-weight:600;font-display:swap;src:url(/assets/fonts/cormorant-garamond-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Cormorant Garamond";font-style:italic;font-weight:500;font-display:swap;src:url(/assets/fonts/cormorant-garamond-latin-500-italic.woff2) format("woff2")}
@font-face{font-family:"DM Sans";font-style:normal;font-weight:400;font-display:swap;src:url(/assets/fonts/dm-sans-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"DM Sans";font-style:normal;font-weight:500;font-display:swap;src:url(/assets/fonts/dm-sans-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"DM Sans";font-style:normal;font-weight:700;font-display:swap;src:url(/assets/fonts/dm-sans-latin-700-normal.woff2) format("woff2")}

:root{
  --navy:#0A0F1E;--navy-2:#111827;--navy-card:#151D30;--navy-line:rgba(201,168,76,.2);
  --gold:#C9A84C;--gold-light:#E8C96A;--gold-deep:#8C6D1F;--gold-wash:rgba(201,168,76,.12);
  --cream:#F5F0E8;--cream-dim:rgba(245,240,232,.72);--cream-faint:rgba(245,240,232,.1);
  --paper:#FAF7F0;--paper-2:#F1EBDF;--ink:#161C2C;--ink-2:#3A4154;--muted:#5E6577;--line:rgba(22,28,44,.12);
  --serif:"Cormorant Garamond",Georgia,"Times New Roman",serif;
  --sans:"DM Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --max:1180px;--narrow:760px;--radius:6px;--shadow:0 18px 50px -24px rgba(10,15,30,.45);
  --header-h:76px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 16px)}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
p{margin:0 0 1em}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.12;margin:0 0 .5em;letter-spacing:-.005em;color:inherit}
h1{font-size:clamp(2.4rem,5.4vw,4.1rem)}
h2{font-size:clamp(2rem,3.8vw,3rem)}
h3{font-size:1.55rem}
h4{font-size:1.25rem}
em.gold,.gold{color:var(--gold)}
.serif-italic{font-family:var(--serif);font-style:italic;font-weight:500}
.container{width:100%;max-width:var(--max);margin:0 auto;padding:0 24px}
.narrow{max-width:var(--narrow)}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--navy);padding:8px 14px;z-index:1000;border-radius:4px}
.skip-link:focus{left:8px}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}

/* Eyebrow + section headings */
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:.78rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:18px}
.eyebrow::before{content:"";width:34px;height:1px;background:currentColor}
.section--dark .eyebrow,.hero .eyebrow,.page-hero .eyebrow{color:var(--gold)}
.section-head{max-width:720px;margin-bottom:48px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head.center .eyebrow{justify-content:center}
.lead{font-size:1.15rem;color:var(--muted)}
.section--dark .lead,.hero .lead,.page-hero .lead,.cta-band .lead,.article-hero .lead{color:var(--cream-dim)}

/* Sections */
.section{padding:clamp(64px,9vw,112px) 0;position:relative}
.section--dark{background:var(--navy);color:var(--cream)}
.section--navy2{background:var(--navy-2);color:var(--cream)}
.section--paper2{background:var(--paper-2)}
.section--tight{padding:56px 0}
.grain::after{content:"";position:absolute;inset:0;pointer-events:none;opacity:.05;background-image:url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:50px;padding:14px 26px;border-radius:3px;font:700 .8rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .2s,color .2s,border-color .2s,transform .2s}
.btn:hover{transform:translateY(-1px)}
.btn--gold{background:var(--gold);color:var(--navy)}
.btn--gold:hover{background:var(--gold-light)}
.btn--outline{border-color:rgba(245,240,232,.45);color:var(--cream);background:transparent}
.btn--outline:hover{border-color:var(--gold);color:var(--gold)}
.btn--dark{background:var(--navy);color:var(--cream)}
.btn--dark:hover{background:var(--navy-2);color:var(--gold-light)}
.btn--line{border-color:var(--ink);color:var(--ink);background:transparent}
.btn--line:hover{border-color:var(--gold-deep);color:var(--gold-deep)}
.btn--block{width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}
.text-link{color:var(--gold-deep);font-weight:700;text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:1px}
.section--dark .text-link{color:var(--gold)}
.arrow::after{content:" \2192"}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(10,15,30,.94);backdrop-filter:saturate(140%) blur(10px);-webkit-backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--navy-line);color:var(--cream)}
.header-inner{display:flex;align-items:center;gap:24px;height:var(--header-h)}
.brand{display:flex;flex-direction:column;text-decoration:none;line-height:1.05;margin-right:auto}
.brand-name{font-family:var(--serif);font-size:1.7rem;font-weight:600;letter-spacing:.01em}
.brand-name span{color:var(--gold)}
.brand-sub{font-size:.62rem;letter-spacing:.2em;text-transform:uppercase;color:var(--cream-dim);margin-top:4px}
.main-nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.main-nav a{display:block;padding:10px 12px;font-size:.88rem;font-weight:500;text-decoration:none;color:var(--cream-dim);border-radius:3px;transition:color .2s}
.main-nav a:hover,.main-nav a[aria-current="page"]{color:var(--gold-light)}
.header-cta{display:flex;align-items:center;gap:10px}
.header-phone{font-size:.88rem;font-weight:700;text-decoration:none;color:var(--cream);white-space:nowrap}
.header-phone:hover{color:var(--gold-light)}
.header-cta .btn{min-height:42px;padding:10px 18px;font-size:.72rem}
.main-nav .mobile-only{display:none}
@media (max-width:980px){.main-nav .mobile-only{display:block}}
.nav-toggle{display:none;background:none;border:1px solid var(--navy-line);color:var(--cream);width:46px;height:46px;border-radius:4px;cursor:pointer;align-items:center;justify-content:center}
.nav-toggle svg{width:22px;height:22px}
@media (max-width:1100px){
  .header-phone{display:none}
}
@media (max-width:980px){
  .nav-toggle{display:inline-flex}
  .main-nav{position:fixed;inset:var(--header-h) 0 auto 0;background:var(--navy);border-bottom:1px solid var(--navy-line);max-height:calc(100vh - var(--header-h));overflow:auto;transform:translateY(-8px);opacity:0;visibility:hidden;transition:opacity .2s,transform .2s,visibility .2s}
  .main-nav.open{opacity:1;transform:none;visibility:visible}
  .main-nav ul{flex-direction:column;padding:12px 16px 24px}
  .main-nav a{padding:14px 8px;font-size:1.05rem;border-bottom:1px solid var(--cream-faint)}
  .header-cta .btn{display:none}
}

/* Hero */
.hero{background:radial-gradient(1200px 600px at 85% -10%,rgba(201,168,76,.16),transparent 60%),linear-gradient(180deg,#0A0F1E 0%,#0D1426 100%);color:var(--cream);position:relative;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;padding-top:clamp(56px,8vw,104px);padding-bottom:clamp(64px,8vw,96px)}
.hero h1 em{font-style:italic;font-weight:500;color:var(--gold)}
.hero .lead{font-size:1.2rem;max-width:560px;margin-bottom:32px}
.hero-portrait{position:relative;max-width:440px;justify-self:end;width:100%}
.hero-portrait::before{content:"";position:absolute;inset:18px -18px -18px 18px;border:1px solid var(--gold);border-radius:2px}
.hero-portrait img{position:relative;border-radius:2px;box-shadow:var(--shadow);aspect-ratio:1/1;object-fit:cover;width:100%}
.portrait-badge{position:absolute;left:-14px;bottom:28px;background:var(--gold);color:var(--navy);padding:12px 18px;font:600 1.15rem/1.1 var(--serif);box-shadow:var(--shadow)}
.portrait-badge small{display:block;font:700 .62rem/1.4 var(--sans);letter-spacing:.16em;text-transform:uppercase}
.hero-points{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:34px;padding:0;list-style:none;font-size:.9rem;color:var(--cream-dim)}
.hero-points li::before{content:"\2713";color:var(--gold);margin-right:8px;font-weight:700}
@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:44px}
  .hero-portrait{justify-self:start;max-width:340px}
}

/* Page hero (subpages) */
.page-hero{background:radial-gradient(900px 400px at 90% -20%,rgba(201,168,76,.14),transparent 60%),var(--navy);color:var(--cream);padding:clamp(56px,7vw,92px) 0 clamp(48px,6vw,72px)}
.page-hero h1{max-width:900px}
.page-hero .lead{max-width:680px;font-size:1.15rem}
.breadcrumbs{font-size:.8rem;color:var(--cream-dim);margin-bottom:22px}
.breadcrumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}
.breadcrumbs li+li::before{content:"/";margin-right:6px;opacity:.5}
.breadcrumbs a{text-decoration:none}
.breadcrumbs a:hover{color:var(--gold-light)}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--navy-line);border:1px solid var(--navy-line)}
.stat{background:var(--navy);padding:30px 26px}
.section--paper2 .stats,.stats--light{background:var(--line);border-color:var(--line)}
.stats--light .stat{background:var(--paper)}
.stat-value{font:600 clamp(2rem,3.4vw,2.7rem)/1 var(--serif);color:var(--gold)}
.stats--light .stat-value{color:var(--gold-deep)}
.stat-label{margin-top:10px;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase}
.stat-note{margin-top:6px;font-size:.85rem;color:var(--cream-dim)}
.stats--light .stat-note{color:var(--muted)}
.source-note{margin-top:16px;font-size:.8rem;color:var(--cream-dim)}
.stats--light+.source-note,.section--paper2 .source-note,.section:not(.section--dark) .source-note{color:var(--muted)}
@media (max-width:860px){.stats{grid-template-columns:repeat(2,1fr)}}
@media (max-width:420px){.stat{padding:22px 16px}}

/* Cards */
.grid{display:grid;gap:24px}
.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:980px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;position:relative;transition:transform .25s,box-shadow .25s,border-color .25s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:rgba(201,168,76,.5)}
.card h3{margin-bottom:.4em}
.card p{color:var(--muted);margin-bottom:1.2em}
.card .num{font:600 .9rem/1 var(--serif);color:var(--gold-deep);letter-spacing:.1em;margin-bottom:18px;display:block}
.card-link{position:absolute;inset:0;z-index:1}
.card .text-link{position:relative;z-index:2}
.section--dark .card{background:var(--navy-card);border-color:var(--navy-line)}
.section--dark .card p{color:var(--cream-dim)}
.section--dark .card .num{color:var(--gold)}
.icon{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;background:var(--gold-wash);color:var(--gold-deep);margin-bottom:18px}
.section--dark .icon{color:var(--gold)}
.icon svg{width:22px;height:22px}

/* Split layout */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(36px,6vw,80px);align-items:center}
.split--top{align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr}}
.portrait-frame{position:relative;max-width:480px}
.portrait-frame::after{content:"";position:absolute;inset:-16px 16px 16px -16px;border:1px solid var(--gold);z-index:-1}
.portrait-frame img{aspect-ratio:1/1;object-fit:cover;width:100%;border-radius:2px}
.checklist{list-style:none;padding:0;margin:0 0 1.5em}
.checklist li{position:relative;padding-left:30px;margin-bottom:12px}
.checklist li::before{content:"";position:absolute;left:0;top:.55em;width:14px;height:8px;border-left:2px solid var(--gold-deep);border-bottom:2px solid var(--gold-deep);transform:rotate(-45deg)}
.section--dark .checklist li::before{border-color:var(--gold)}
.pillars{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:28px}
.pillar h4{font-size:1.2rem;margin-bottom:.25em}
.pillar p{font-size:.95rem;color:var(--muted);margin:0}
@media (max-width:520px){.pillars{grid-template-columns:1fr}}

/* Steps */
.steps{counter-reset:step;display:grid;gap:0;border-top:1px solid var(--line)}
.step{display:grid;grid-template-columns:72px 1fr;gap:20px;padding:26px 0;border-bottom:1px solid var(--line)}
.step::before{counter-increment:step;content:counter(step,decimal-leading-zero);font:600 2rem/1 var(--serif);color:var(--gold-deep)}
.step h3{font-size:1.4rem;margin-bottom:.25em}
.step p{margin:0;color:var(--muted)}
.section--dark .steps,.section--dark .step{border-color:var(--navy-line)}
.section--dark .step::before{color:var(--gold)}
.section--dark .step p{color:var(--cream-dim)}
.steps-inline{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:s}
.steps-inline>div{border-top:2px solid var(--gold);padding-top:22px}
.steps-inline>div::before{counter-increment:s;content:"Step " counter(s);display:block;font-size:.75rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:10px}
.steps-inline p{color:var(--cream-dim);margin:0}
@media (max-width:760px){.steps-inline{grid-template-columns:1fr}}

/* Testimonials */
.reviews{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.review{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px;display:flex;flex-direction:column;margin:0}
.review .stars{color:var(--gold);letter-spacing:.2em;font-size:.95rem;margin-bottom:14px}
.review blockquote{margin:0 0 20px;font-family:var(--serif);font-size:1.22rem;line-height:1.45;color:var(--ink)}
.review figcaption{margin-top:auto;font-size:.9rem}
.review figcaption strong{display:block}
.review figcaption span{color:var(--muted);font-size:.82rem;letter-spacing:.06em;text-transform:uppercase}
.reviews .review:nth-child(4),.reviews .review:nth-child(5){grid-column:span 1}
@media (max-width:980px){.reviews{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.reviews{grid-template-columns:1fr}}

/* Forms */
.form-card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:var(--radius);padding:clamp(24px,4vw,40px);box-shadow:var(--shadow);color:var(--ink)}
.form-card h2,.form-card h3{margin-bottom:.2em}
.form-card .form-sub{color:var(--muted);margin-bottom:24px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
.form-grid .full{grid-column:1/-1}
@media (max-width:560px){.form-grid{grid-template-columns:1fr}}
.field label,.field legend{display:block;font-size:.74rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-2);margin-bottom:7px}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:1rem;color:var(--ink);background:var(--paper);border:1px solid rgba(22,28,44,.2);border-radius:4px;padding:13px 14px;min-height:50px;transition:border-color .2s,box-shadow .2s;appearance:none;-webkit-appearance:none}
.field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%238C6D1F' stroke-width='2'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
.field textarea{min-height:110px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold-deep);box-shadow:0 0 0 3px var(--gold-wash)}
fieldset.field{border:0;padding:0;margin:0;min-width:0}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chip{position:relative}
.field .chip{display:inline-block;margin:0;text-transform:none;letter-spacing:0;font-weight:500;font-size:.9rem;color:var(--ink)}
.chip input{position:absolute;opacity:0;width:1px;height:1px}
.chip span{display:inline-block;padding:9px 14px;border:1px solid rgba(22,28,44,.2);border-radius:999px;font-size:.88rem;cursor:pointer;background:var(--paper);transition:all .15s}
.chip input:checked+span{background:var(--navy);color:var(--cream);border-color:var(--navy)}
.chip input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.form-note{font-size:.82rem;color:var(--muted);margin:14px 0 0}
.form-status{display:none;margin-top:16px;padding:14px 16px;border-radius:4px;font-size:.95rem}
.form-status.ok{display:block;background:#EEF6EE;color:#1E5B2A;border:1px solid #BFDDC4}
.form-status.err{display:block;background:#FBEDEC;color:#8A1F17;border:1px solid #EBC0BC}
.hidden-field{display:none}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--muted)}
.consent input{margin-top:4px;width:18px;height:18px;flex:none;accent-color:var(--gold-deep)}

/* CTA band */
.cta-band{background:linear-gradient(120deg,#0A0F1E 0%,#16203A 100%);color:var(--cream);text-align:center;padding:clamp(64px,8vw,100px) 0;position:relative;overflow:hidden}
.cta-band::before{content:"";position:absolute;width:520px;height:520px;border:1px solid var(--navy-line);border-radius:50%;right:-160px;top:-220px}
.cta-band h2{max-width:760px;margin:0 auto .4em}
.cta-band .lead{max-width:600px;margin:0 auto 32px}
.cta-band .btn-row{justify-content:center}

/* Blog */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
@media (max-width:980px){.post-grid{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.post-grid{grid-template-columns:1fr}}
.post-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;text-decoration:none;transition:transform .25s,box-shadow .25s}
.post-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.post-cover{aspect-ratio:16/8;background:var(--navy);position:relative;display:flex;align-items:flex-end;padding:20px 22px;color:var(--cream);overflow:hidden}
.post-cover::before{content:"";position:absolute;width:260px;height:260px;border:1px solid rgba(201,168,76,.35);border-radius:50%;right:-70px;top:-110px}
.post-cover::after{content:"";position:absolute;width:160px;height:160px;border:1px solid rgba(201,168,76,.25);border-radius:50%;right:30px;top:-40px}
.post-cover .tag{position:relative;font-size:.7rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.post-cover.c2{background:linear-gradient(135deg,#132036,#0A0F1E)}
.post-cover.c3{background:linear-gradient(135deg,#1C2233,#2A2414)}
.post-body{padding:24px 22px 26px;display:flex;flex-direction:column;flex:1}
.post-body h3{font-size:1.45rem;margin-bottom:.35em}
.post-body p{color:var(--muted);font-size:.95rem;margin-bottom:16px}
.post-meta{margin-top:auto;font-size:.8rem;color:var(--muted);letter-spacing:.04em}

.article-hero{background:var(--navy);color:var(--cream);padding:clamp(48px,7vw,84px) 0 clamp(40px,5vw,60px)}
.article-hero h1{font-size:clamp(2.2rem,4.6vw,3.5rem);max-width:900px}
.article-meta{display:flex;flex-wrap:wrap;align-items:center;gap:10px 18px;font-size:.88rem;color:var(--cream-dim);margin-top:18px}
.article-meta img{width:44px;height:44px;border-radius:50%;object-fit:cover}
.article-meta strong{color:var(--cream)}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;align-items:start}
@media (max-width:1000px){.article-layout{grid-template-columns:1fr}}
.prose{font-size:1.08rem;line-height:1.75;max-width:740px}
.prose h2{font-size:clamp(1.75rem,3vw,2.2rem);margin:1.8em 0 .5em}
.prose h3{font-size:1.4rem;margin:1.5em 0 .4em}
.prose p,.prose ul,.prose ol{margin:0 0 1.15em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.45em}
.prose a{color:var(--gold-deep);text-decoration-thickness:1px;text-underline-offset:3px}
.prose strong{color:var(--ink)}
.prose .intro{font-size:1.22rem;color:var(--ink-2)}
.prose table{width:100%;border-collapse:collapse;margin:0 0 1.4em;font-size:.95rem}
@media (max-width:640px){.prose table{display:block;overflow-x:auto}}
.prose th,.prose td{text-align:left;padding:11px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{background:var(--paper-2);font-size:.78rem;letter-spacing:.08em;text-transform:uppercase}
.callout{background:#fff;border-left:3px solid var(--gold);padding:18px 22px;margin:0 0 1.4em;border-radius:0 4px 4px 0;font-size:1rem}
.callout p:last-child{margin:0}
.callout strong{display:block;font-family:var(--serif);font-size:1.2rem;margin-bottom:4px}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px;margin-bottom:2em}
.toc strong{font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.toc ol{margin:10px 0 0;padding-left:1.2em}
.toc a{text-decoration:none}
.toc a:hover{color:var(--gold-deep)}
.faq details{border-bottom:1px solid var(--line);padding:16px 0}
.faq summary{cursor:pointer;font-family:var(--serif);font-size:1.3rem;font-weight:600;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold-deep);font-family:var(--sans);font-weight:400}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:12px 0 0;color:var(--ink-2)}
.sources{font-size:.88rem;color:var(--muted);border-top:1px solid var(--line);padding-top:18px;margin-top:2.4em}
.sources ul{padding-left:1.1em}
.disclaimer{font-size:.85rem;color:var(--muted);font-style:italic}
.sidebar{position:sticky;top:calc(var(--header-h) + 24px);display:grid;gap:20px}
.side-card{background:var(--navy);color:var(--cream);border-radius:var(--radius);padding:26px 24px}
.side-card h3{font-size:1.45rem}
.side-card p{color:var(--cream-dim);font-size:.95rem}
.side-card .btn{width:100%;margin-top:6px}
.author-box{display:flex;gap:18px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin-top:2.4em}
.author-box img{width:84px;height:84px;border-radius:50%;object-fit:cover;flex:none}
.author-box p{margin:0;font-size:.95rem;color:var(--muted)}
.author-box strong{display:block;color:var(--ink);font-family:var(--serif);font-size:1.25rem}
@media (max-width:1000px){.sidebar{position:static}}

/* Calculator */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:28px}
@media (max-width:860px){.calc{grid-template-columns:1fr}}
.calc-panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.range-row{margin-bottom:22px}
.range-row .top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:8px}
.range-row label{font-size:.74rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-2)}
.range-row output{font:600 1.35rem/1 var(--serif);color:var(--gold-deep)}
.range-row input[type=range]{width:100%;accent-color:var(--gold-deep)}
.range-row select{width:100%;font:inherit;padding:12px;border:1px solid rgba(22,28,44,.2);border-radius:4px;background:var(--paper)}
.calc-result{background:var(--navy);color:var(--cream);border-radius:var(--radius);padding:30px}
.calc-big{font:600 clamp(2.6rem,5vw,3.4rem)/1 var(--serif);color:var(--gold);margin:6px 0 4px}
.calc-lines{list-style:none;padding:0;margin:22px 0;border-top:1px solid var(--navy-line)}
.calc-lines li{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid var(--navy-line);font-size:.95rem}
.calc-lines li span:first-child{color:var(--cream-dim)}
.calc-warn{font-size:.85rem;color:var(--gold-light);min-height:1.2em}
.calc-fine{font-size:.78rem;color:var(--cream-dim);margin:0}

/* AI section + chat widget */
.ai-chips{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 26px}
.ai-chip{background:transparent;border:1px solid var(--navy-line);color:var(--cream);border-radius:999px;padding:9px 14px;font:inherit;font-size:.88rem;cursor:pointer}
.ai-chip:hover{border-color:var(--gold);color:var(--gold-light)}
.chat-launcher{position:fixed;right:20px;bottom:20px;z-index:60;display:flex;align-items:center;gap:10px;background:var(--gold);color:var(--navy);border:0;border-radius:999px;padding:14px 20px 14px 16px;font:700 .82rem/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;cursor:pointer;box-shadow:0 14px 34px -12px rgba(10,15,30,.55)}
.chat-launcher svg{width:22px;height:22px}
.chat-launcher:hover{background:var(--gold-light)}
.chat-panel{position:fixed;right:20px;bottom:88px;z-index:61;width:min(400px,calc(100vw - 24px));height:min(600px,calc(100vh - 120px));background:var(--navy);color:var(--cream);border:1px solid var(--navy-line);border-radius:10px;box-shadow:0 30px 70px -20px rgba(0,0,0,.6);display:none;flex-direction:column;overflow:hidden}
.chat-panel.open{display:flex}
.chat-head{display:flex;align-items:center;gap:12px;padding:16px 18px;border-bottom:1px solid var(--navy-line);background:var(--navy-2)}
.chat-avatar{width:40px;height:40px;border-radius:50%;object-fit:cover;border:1px solid var(--gold)}
.chat-head strong{display:block;font-family:var(--serif);font-size:1.25rem;line-height:1}
.chat-head small{color:var(--cream-dim);font-size:.78rem}
.chat-head small::before{content:"";display:inline-block;width:7px;height:7px;border-radius:50%;background:#4ADE80;margin-right:6px}
.chat-close{margin-left:auto;background:none;border:0;color:var(--cream-dim);font-size:1.6rem;cursor:pointer;line-height:1;padding:4px 8px}
.chat-log{flex:1;overflow-y:auto;padding:18px;display:flex;flex-direction:column;gap:12px;font-size:.95rem}
.msg{max-width:88%;padding:11px 14px;border-radius:12px;line-height:1.5;word-wrap:break-word}
.msg p{margin:0 0 .6em}.msg p:last-child{margin:0}
.msg ul{margin:.3em 0 .6em;padding-left:1.1em}
.msg.bot{background:var(--navy-card);border:1px solid var(--navy-line);align-self:flex-start;border-bottom-left-radius:3px}
.msg.user{background:var(--gold);color:var(--navy);align-self:flex-end;border-bottom-right-radius:3px}
.msg.typing{color:var(--cream-dim);font-style:italic}
.chat-suggest{display:flex;flex-wrap:wrap;gap:6px;padding:0 18px 10px}
.chat-suggest button{background:none;border:1px solid var(--navy-line);color:var(--cream-dim);border-radius:999px;padding:6px 11px;font:inherit;font-size:.8rem;cursor:pointer}
.chat-suggest button:hover{color:var(--gold-light);border-color:var(--gold)}
.chat-form{display:flex;gap:8px;padding:12px;border-top:1px solid var(--navy-line);background:var(--navy-2)}
.chat-form input{flex:1;min-width:0;background:var(--navy);border:1px solid var(--navy-line);border-radius:999px;color:var(--cream);padding:12px 16px;font:inherit;font-size:.95rem}
.chat-form input:focus{outline:none;border-color:var(--gold)}
.chat-form button{background:var(--gold);color:var(--navy);border:0;border-radius:50%;width:46px;height:46px;flex:none;cursor:pointer;display:grid;place-items:center}
.chat-form button svg{width:18px;height:18px}
.chat-fine{font-size:.7rem;color:var(--cream-dim);padding:0 16px 10px;background:var(--navy-2);margin:0}
@media (max-width:520px){
  .chat-launcher .label{display:none}
  .chat-launcher{padding:14px}
  .chat-panel{right:12px;bottom:80px;height:calc(100vh - 100px)}
}

/* Footer */
.site-footer{background:#070B16;color:var(--cream-dim);padding:72px 0 36px;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}
.site-footer h2{font-family:var(--sans);font-size:.74rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--cream);margin-bottom:16px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:9px}
.site-footer a{text-decoration:none}
.site-footer a:hover{color:var(--gold-light)}
.footer-brand .brand-name{color:var(--cream)}
.footer-brand p{margin-top:14px;max-width:340px}
.footer-bottom{margin-top:52px;padding-top:24px;border-top:1px solid var(--cream-faint);display:flex;flex-wrap:wrap;gap:12px 28px;justify-content:space-between;font-size:.8rem}
.legal{font-size:.75rem;line-height:1.6;margin-top:18px;opacity:.75}

/* Misc */
.pill-list{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.pill-list li{border:1px solid var(--line);border-radius:999px;padding:8px 14px;font-size:.9rem;background:#fff}
.section--dark .pill-list li{background:transparent;border-color:var(--navy-line)}
.info-table{width:100%;border-collapse:collapse;font-size:.98rem}
.info-table th,.info-table td{padding:14px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.info-table th{width:38%;font-weight:700}
.trust-bar{border-bottom:1px solid var(--navy-line);background:var(--navy-2);color:var(--cream-dim);font-size:.82rem;letter-spacing:.08em;text-transform:uppercase}
.trust-bar ul{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 34px;list-style:none;margin:0;padding:18px 0}
.trust-bar li::before{content:"\25C6";color:var(--gold);font-size:.6rem;margin-right:10px;vertical-align:middle}
.center{text-align:center}
.mt-0{margin-top:0}.mt-2{margin-top:2rem}.mt-3{margin-top:3rem}.mb-0{margin-bottom:0}
.contact-list{list-style:none;padding:0;margin:0 0 28px}
.contact-list li{display:flex;gap:14px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--line)}
.contact-list .icon{margin:0;flex:none}
.contact-list a{font-weight:700;text-decoration:none}
.contact-list small{display:block;color:var(--muted);font-size:.78rem;letter-spacing:.1em;text-transform:uppercase}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}