/* La Rocca Advisors · V16 design system ("Amanecer dorado")
   One stylesheet for every page. Tokens first, then base, components, sections,
   and at the end the V16 brand layer (sky, logo, gold ribbons, glass). */

@font-face{font-family:'Playfair Display';font-style:normal;font-weight:400 900;font-display:swap;src:url('../fonts/playfair-var.woff2') format('woff2')}
@font-face{font-family:'Playfair Display';font-style:italic;font-weight:400 900;font-display:swap;src:url('../fonts/playfair-var-italic.woff2') format('woff2')}
@font-face{font-family:Montserrat;font-style:normal;font-weight:400 800;font-display:swap;src:url('../fonts/montserrat.woff2') format('woff2')}

:root{
  /* Brand: royal navy, metallic gold, bright cream (from the La Rocca Advisors flyers) */
  --navy-950:#040d28;
  --navy-900:#071a4a;
  --royal:#2450b3;
  --gold-800:#7d5211;
  --gold-700:#8f6116;
  --gold-500:#c8962f;
  --gold-400:#dcb059;
  --gold-300:#ecc977;
  --gold-200:#f6e0a4;
  --gold-100:#fbf0d4;
  --gold-grad:linear-gradient(100deg,#8a5a14 0%,#c8962f 20%,#f7e0a0 42%,#d4a23f 60%,#f1d086 80%,#9a661a 100%);
  --gold-grad-dark:linear-gradient(100deg,#6f470c 0%,#a8741f 45%,#7d5211 100%);
  --script:Birthstone,'Brush Script MT',cursive;

  --ink:#0f2257;
  --navy:#0e2766;
  --navy-2:#10296f;
  --navy-3:#1a3a8c;
  --ivory:#fbf8f1;
  --sand:#f5eddf;
  --paper:#ffffff;
  --line:rgba(16,41,111,.1);
  --line-strong:rgba(16,41,111,.2);
  --muted:#44507c;
  --soft:#535f86;
  --blue:#1a3a8c;
  --blue-deep:#10296f;
  --blue-soft:#eef2fb;
  --gold:#8f6116;
  --champagne:#ecc977;
  --gold-soft:#fbf0d4;
  --green:#15803d;
  --wa:#1faa59;
  --danger:#b42318;
  --serif:'Playfair Display',Georgia,'Times New Roman',serif;
  --sans:Montserrat,system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;
  --wrap:1240px;
  --gutter:clamp(16px,4vw,40px);
  --section:clamp(76px,10vw,132px);
  --r-sm:12px;
  --r:20px;
  --r-lg:28px;
  --shadow-sm:0 1px 2px rgba(16,41,111,.06),0 6px 18px rgba(16,41,111,.06);
  --shadow:0 2px 6px rgba(16,41,111,.05),0 22px 54px rgba(16,41,111,.12);
  --shadow-lg:0 34px 90px rgba(4,13,40,.3);
  --ease:cubic-bezier(.2,.7,.2,1);
  --ease-out:cubic-bezier(.16,1,.3,1);
  --ease-io:cubic-bezier(.65,0,.35,1);
  --bar-h:0px;

  --em:var(--gold);
  --kicker:var(--gold-800);
  --accent-rgb:26,58,140;
  --accent-hi:#2450b3;
  --accent-2:#2450b3;
  --accent-light:#ecc977;
  --accent-light-rgb:236,201,119;
  --accent-sel:#f6e0a4;
  --accent-tint:#fbf6ea;
  --hl-1:#f6dc95;
  --hl-2:#c8962f;
  --hl-text:#071a4a;
  --sel-1:#ffffff;
  --sel-2:#f6e0a4;
  --sel-text:#071a4a;
  --navy-glow:#1a3a8c;
  --navy-glow-2:#2450b3;
  --navy-rgb:14,39,102;
  --deep-rgb:4,13,40;
  --ink-rgb:15,34,87;
  --ivory-rgb:251,248,241;
  --footer:#071a4a;
  --sand-2:#efe5d3;
  --gold-rgb:200,150,47;
  --champagne-rgb:236,201,119;
  --gold-grad-1:#f7e0a0;
  --gold-grad-2:#d4a23f;
  --gold-light:#f6e0a4;
  --on-dark-0:#eef2fb;
  --on-dark-1:#dbe3f5;
  --on-dark-2:#c9d4ee;
  --on-dark-3:#bac7e6;
  --on-dark-4:#a9b8dc;
  --on-dark-5:#99aad4;
}

/* ---------- Base ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
body{margin:0;background:var(--ivory);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}
img,video,svg{display:block;max-width:100%}
img,video{height:auto}
a{color:inherit;text-decoration:none}
button,input,select{font:inherit;color:inherit}
button{cursor:pointer}
p{margin:0 0 1em}
h1,h2,h3,h4{margin:0;font-weight:700;line-height:1.08;letter-spacing:-.02em}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:6px}
::selection{background:var(--accent-sel)}
[hidden]{display:none!important}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;left:16px;top:-80px;z-index:200;background:var(--ink);color:#fff;padding:12px 16px;border-radius:10px;font-weight:700}
.skip:focus{top:12px}
.wrap{width:min(var(--wrap),100% - var(--gutter)*2);margin-inline:auto}
section{padding-block:var(--section);position:relative}

/* ---------- Type ---------- */
.display{font-family:var(--serif);font-weight:650;letter-spacing:-.03em;line-height:.98;font-variation-settings:"SOFT" 30,"WONK" 0}
.h2{font-weight:650;font-variation-settings:"SOFT" 30,"WONK" 0}
.display em,.h2 em{font-weight:600}
.display em,.h2 em,.h3 em{font-style:italic;color:var(--em)}
.theme-gold .display em,.theme-gold .h2 em{color:var(--gold)}
.on-dark .display em,.on-dark .h2 em{color:var(--champagne)}
h1.display{font-size:clamp(44px,5.6vw,78px)}
.h2{font-family:var(--serif);font-size:clamp(34px,4.4vw,58px);line-height:1.02;letter-spacing:-.026em}
.h3{font-family:var(--serif);font-size:clamp(24px,2.4vw,30px);line-height:1.12}
.h2+.lead,.h2+p{margin-top:20px}
.lead{font-size:clamp(17px,1.45vw,20px);line-height:1.62;color:var(--muted);max-width:620px}
.kicker{display:inline-flex;align-items:center;gap:12px;font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--kicker);margin-bottom:18px}
.kicker::before{content:"";width:26px;height:2px;border-radius:2px;background:currentColor;opacity:.7}
.theme-gold .kicker{color:var(--gold)}
.on-dark .kicker{color:var(--champagne)}
.fine{font-size:13px;line-height:1.55;color:var(--soft)}
.section-head{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(24px,5vw,72px);align-items:end;margin-bottom:clamp(36px,5vw,60px)}
.section-head .lead{justify-self:end;margin:0}
.section-head.center{grid-template-columns:1fr;text-align:center;justify-items:center}
.section-head.center .lead{justify-self:center}

/* ---------- Buttons ---------- */
.btn{--b:var(--ink);display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:56px;padding:0 26px;border-radius:14px;border:1px solid transparent;font-size:16px;font-weight:700;letter-spacing:-.005em;white-space:nowrap;transition:transform .2s var(--ease),box-shadow .2s var(--ease),background .2s var(--ease),border-color .2s var(--ease),color .2s}
.btn svg{width:20px;height:20px;flex:0 0 auto}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn-primary{background:linear-gradient(180deg,var(--accent-hi),var(--blue-deep));color:#fff;box-shadow:0 1px 0 rgba(255,255,255,.25) inset,0 10px 26px rgba(var(--accent-rgb),.32)}
.btn-primary:hover{box-shadow:0 1px 0 rgba(255,255,255,.25) inset,0 16px 34px rgba(var(--accent-rgb),.4)}
.btn-dark{background:var(--ink);color:#fff;box-shadow:0 12px 28px rgba(var(--ink-rgb),.22)}
.btn-gold{background:linear-gradient(180deg,var(--gold-grad-1),var(--gold-grad-2));color:#1c1406;box-shadow:0 1px 0 rgba(255,255,255,.4) inset,0 12px 28px rgba(var(--gold-rgb),.3)}
.btn-ghost{background:var(--paper);color:var(--ink);border-color:var(--line-strong);box-shadow:var(--shadow-sm)}
.btn-ghost:hover{border-color:var(--ink)}
.btn-wa{background:var(--paper);color:#0f5132;border-color:rgba(31,170,89,.35);box-shadow:var(--shadow-sm)}
.btn-wa svg{color:var(--wa)}
.btn-wa:hover{border-color:var(--wa)}
.on-dark .btn-ghost,.on-dark .btn-wa{background:rgba(255,255,255,.06);color:#fff;border-color:rgba(255,255,255,.22);box-shadow:none}
.on-dark .btn-wa svg{color:#4ade80}
.btn-block{width:100%}
.btn-sm{min-height:44px;padding:0 18px;font-size:14px;border-radius:12px}
.link-arrow{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--blue-deep)}
.link-arrow::after{content:"→";transition:transform .2s var(--ease)}
.link-arrow:hover::after{transform:translateX(4px)}

/* ---------- Announcement bar ---------- */
.oe-bar{position:relative;z-index:60;background:var(--navy);color:var(--on-dark-0);font-size:14px;line-height:1.35}
.oe-bar .wrap{display:flex;align-items:center;justify-content:center;gap:14px;min-height:44px;padding-block:8px;text-align:center}
.oe-bar strong{color:#fff;font-weight:700}
.oe-bar .dot{width:8px;height:8px;border-radius:50%;background:#4ade80;box-shadow:0 0 0 4px rgba(74,222,128,.18);flex:0 0 auto}
.oe-bar a{color:var(--champagne);font-weight:700;white-space:nowrap}
.oe-bar a:hover{text-decoration:underline}
.oe-count{display:inline-flex;align-items:center;padding:3px 9px;border-radius:999px;background:rgba(255,255,255,.1);color:#fff;font-size:12px;font-weight:700;white-space:nowrap}

/* ---------- Navigation ---------- */
.nav{position:sticky;top:0;z-index:50;transition:background .25s,box-shadow .25s,border-color .25s;border-bottom:1px solid transparent}
.nav.scrolled{background:rgba(var(--ivory-rgb),.86);backdrop-filter:saturate(1.4) blur(16px);-webkit-backdrop-filter:saturate(1.4) blur(16px);border-bottom-color:var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;gap:20px;height:76px}
.brand{display:flex;align-items:center;gap:12px;font-weight:800;letter-spacing:-.01em;font-size:17px;line-height:1.1}
.brand small{display:block;margin-top:3px;font-size:10.5px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--soft)}
.brandmark{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:var(--navy);color:var(--champagne);font-family:var(--serif);font-size:18px;font-weight:700;letter-spacing:-.02em;box-shadow:0 8px 20px rgba(var(--navy-rgb),.25);flex:0 0 auto}
.nav-links{display:flex;align-items:center;gap:6px}
.nav-links a:not(.btn){padding:10px 12px;border-radius:10px;font-size:15px;font-weight:600;color:#2a3649;transition:background .2s,color .2s}
.nav-links a:not(.btn):hover,.nav-links a[aria-current="page"]{background:rgba(var(--ink-rgb),.06);color:var(--ink)}
.nav-links .btn{margin-left:10px}
.nav-phone{display:inline-flex;align-items:center;gap:8px}
.menu-btn{display:none;width:46px;height:46px;border-radius:12px;border:1px solid var(--line-strong);background:var(--paper);align-items:center;justify-content:center}
.menu-btn span,.menu-btn span::before,.menu-btn span::after{display:block;width:18px;height:2px;border-radius:2px;background:var(--ink);position:relative;transition:transform .25s var(--ease),background .2s}
.menu-btn span::before,.menu-btn span::after{content:"";position:absolute;left:0}
.menu-btn span::before{top:-6px}.menu-btn span::after{top:6px}
.nav.open .menu-btn span{background:transparent}
.nav.open .menu-btn span::before{transform:translateY(6px) rotate(45deg)}
.nav.open .menu-btn span::after{transform:translateY(-6px) rotate(-45deg)}
.theme-dark-top .nav:not(.scrolled) .nav-links a:not(.btn){color:var(--on-dark-0)}
.theme-dark-top .nav:not(.scrolled) .nav-links a:not(.btn):hover,.theme-dark-top .nav:not(.scrolled) .nav-links a[aria-current="page"]{background:rgba(255,255,255,.1);color:#fff}
.theme-dark-top .nav:not(.scrolled) .brand{color:#fff}
.theme-dark-top .nav:not(.scrolled) .brand small{color:var(--on-dark-4)}
.theme-dark-top .nav.scrolled{background:rgba(var(--navy-rgb),.9);border-bottom-color:rgba(255,255,255,.08)}
.theme-dark-top .nav.scrolled .brand,.theme-dark-top .nav.scrolled .nav-links a:not(.btn){color:var(--on-dark-0)}
.theme-dark-top .nav.scrolled .brand small{color:var(--on-dark-4)}
.theme-dark-top .nav .menu-btn{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.2)}
.theme-dark-top .nav .menu-btn span,.theme-dark-top .nav .menu-btn span::before,.theme-dark-top .nav .menu-btn span::after{background:#fff}
.theme-dark-top .nav.open .menu-btn span{background:transparent}
.theme-dark-top .nav .brandmark{background:#fff;color:var(--navy)}

/* ---------- Hero (home) ---------- */
.hero{padding-block:clamp(28px,4vw,56px) clamp(56px,7vw,96px)}
.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:clamp(28px,5vw,72px);align-items:center}
.hero-copy .display{margin:0 0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:10px;padding:8px 14px 8px 10px;border-radius:999px;background:var(--paper);border:1px solid var(--line);box-shadow:var(--shadow-sm);font-size:13px;font-weight:700;color:#24344d;margin-bottom:26px}
.eyebrow .pulse{width:8px;height:8px;border-radius:50%;background:var(--green);box-shadow:0 0 0 4px rgba(21,128,61,.14)}
.hero-copy .lead{margin-bottom:32px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px}
.checks{display:flex;flex-wrap:wrap;gap:10px 22px;margin:26px 0 0;padding:0;list-style:none;font-size:15px;font-weight:600;color:#33415a}
.checks li{display:flex;align-items:center;gap:8px}
.checks svg{width:18px;height:18px;color:var(--green);flex:0 0 auto}
.hero-media{position:relative;border-radius:var(--r-lg);overflow:hidden;background:#0d1c33;box-shadow:var(--shadow-lg);aspect-ratio:4/4.5;isolation:isolate}
.hero-media>img,.hero-media>video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:62% 50%}
.hero-media>video{opacity:0;transition:opacity .8s var(--ease)}
.hero-media>video.ready{opacity:1}
.hero-media::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(var(--deep-rgb),0) 38%,rgba(var(--deep-rgb),.72) 100%);z-index:1;pointer-events:none}
.media-tag{position:absolute;z-index:2;top:18px;left:18px;display:inline-flex;align-items:center;gap:8px;padding:9px 13px;border-radius:999px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);color:#fff;font-size:12px;font-weight:700;letter-spacing:.04em}

/* State checker */
.state-check{position:relative;z-index:2;background:rgba(255,255,255,.96);border:1px solid rgba(255,255,255,.7);border-radius:20px;padding:20px;box-shadow:0 24px 60px rgba(var(--deep-rgb),.28);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px)}
.hero-media .state-check{position:absolute;left:18px;right:18px;bottom:18px}
.state-check label{display:block;font-size:13px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:#3a4a63;margin-bottom:10px}
.state-row{display:flex;gap:10px}
.select{position:relative;flex:1}
.select select{appearance:none;-webkit-appearance:none;width:100%;height:52px;padding:0 44px 0 16px;border-radius:12px;border:1px solid var(--line-strong);background:#fff;font-size:16px;font-weight:600;color:var(--ink)}
.select::after{content:"";position:absolute;right:18px;top:50%;width:9px;height:9px;border-right:2px solid var(--ink);border-bottom:2px solid var(--ink);transform:translateY(-70%) rotate(45deg);pointer-events:none}
.state-result{margin-top:12px;font-size:15px;line-height:1.5;color:var(--muted)}
.state-result strong{color:var(--ink)}
.state-result.ok{color:#14532d}
.state-result.ok strong{color:#14532d}
.state-result .btn{margin-top:12px}
.state-result.no{color:#5b4520}

/* ---------- Proof strip ---------- */
.proof-strip{padding-block:0 clamp(56px,7vw,88px)}
.proof-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-sm);padding:clamp(22px,3vw,34px);display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(22px,4vw,48px);align-items:center}
.proof-card>div{min-width:0}
.proof-card h2{font-size:15px;font-family:var(--sans);letter-spacing:.02em;font-weight:800;margin:0 0 14px;color:#2a3953}
.states{display:flex;flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none}
.states li{padding:7px 11px;border-radius:10px;background:var(--blue-soft);color:#173c96;font-size:13px;font-weight:700;letter-spacing:.02em}
.states li abbr{text-decoration:none}
.marquee{overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee-track{display:flex;width:max-content;animation:marquee 38s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
.logo-set{display:flex;align-items:center;gap:14px;padding-right:14px}
.logo-chip{width:150px;height:62px;border-radius:14px;border:1px solid var(--line);background:#fff;display:grid;place-items:center;padding:12px 22px}
.logo-chip img{max-width:100%;max-height:30px;width:auto;object-fit:contain}
.logo-chip img.tall{max-height:40px}
@keyframes marquee{to{transform:translateX(-50%)}}
.media-tag svg{width:16px;height:16px}
.w-note{display:inline-flex;align-items:center;gap:8px}
.w-note svg{width:16px;height:16px;color:var(--green)}
.proof-note{margin:12px 0 0;font-size:12px;color:var(--soft)}

/* ---------- Value / why us ---------- */
.why{background:var(--paper)}
.why-grid{display:grid;grid-template-columns:repeat(12,1fr);gap:16px}
.why-item{grid-column:span 3;padding:28px 26px;border-radius:var(--r);background:var(--ivory);border:1px solid var(--line);transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s}
.why-item:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent;background:#fff}
.icon{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:var(--blue-soft);color:var(--blue-deep);margin-bottom:22px}
.icon svg{width:24px;height:24px}
.theme-gold .icon{background:var(--gold-soft);color:var(--gold)}
.why-item h3{font-size:19px;font-family:var(--sans);font-weight:800;letter-spacing:-.015em;margin-bottom:8px}
.why-item p{margin:0;color:var(--muted);font-size:15.5px}
.promise{grid-column:span 12;margin-top:6px;display:grid;grid-template-columns:auto 1fr auto;gap:28px;align-items:center;padding:30px clamp(24px,4vw,44px);border-radius:var(--r-lg);background:radial-gradient(120% 160% at 0% 0%,var(--navy-glow) 0%,var(--navy) 55%);color:#fff;overflow:hidden;position:relative}
.promise .big{font-family:var(--serif);font-size:clamp(46px,6vw,76px);line-height:1;color:var(--champagne);letter-spacing:-.03em}
.promise h3{font-family:var(--serif);font-size:clamp(22px,2.4vw,30px);margin-bottom:6px}
.promise p{margin:0;color:var(--on-dark-2);font-size:15.5px;max-width:620px}
.promise sup{font-size:.6em}

/* ---------- Planner (wizard) ---------- */
.planner-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(28px,5vw,72px);align-items:start}
.planner-copy{position:sticky;top:120px}
.prep-list{margin:28px 0 0;padding:0;list-style:none;display:grid;gap:14px}
.prep-list li{display:grid;grid-template-columns:36px 1fr;gap:14px;align-items:start}
.prep-list b{width:36px;height:36px;border-radius:11px;display:grid;place-items:center;background:var(--paper);border:1px solid var(--line);font-size:13px;color:var(--blue-deep)}
.prep-list strong{display:block;font-size:16px;color:var(--ink)}
.prep-list span{color:var(--muted);font-size:15px}
.wizard{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow);padding:clamp(22px,3.4vw,40px);min-height:540px;display:flex;flex-direction:column}
.wizard-top{display:flex;align-items:center;justify-content:space-between;gap:12px;font-size:13px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--soft)}
.wizard-bar{height:6px;border-radius:6px;background:#edf0f5;margin:14px 0 30px;overflow:hidden}
.wizard-bar i{display:block;height:100%;width:33%;border-radius:inherit;background:linear-gradient(90deg,var(--blue),var(--accent-light));transition:width .45s var(--ease)}
.w-step{display:none;flex-direction:column;flex:1}
.w-step.active{display:flex;animation:stepIn .45s var(--ease)}
@keyframes stepIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.w-step h3{font-family:var(--serif);font-size:clamp(26px,2.6vw,34px);margin-bottom:8px}
.w-step>p{color:var(--muted);margin-bottom:24px}
.options{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.option{position:relative;display:flex;flex-direction:column;gap:4px;text-align:left;padding:18px 18px 18px 56px;min-height:84px;justify-content:center;border-radius:16px;border:1px solid var(--line-strong);background:#fff;transition:border-color .2s,box-shadow .2s,transform .2s var(--ease),background .2s}
.option::before{content:"";position:absolute;left:18px;top:50%;width:22px;height:22px;margin-top:-11px;border-radius:50%;border:2px solid #c3cad6;transition:border-color .2s,background .2s,box-shadow .2s}
.option strong{font-size:16px}
.option small{font-size:14px;color:var(--muted);line-height:1.4}
.option:hover{border-color:var(--blue);box-shadow:0 8px 24px rgba(var(--accent-rgb),.12);transform:translateY(-1px)}
.option[aria-pressed="true"]{border-color:var(--blue);background:var(--blue-soft)}
.option[aria-pressed="true"]::before{border-color:var(--blue);background:var(--blue);box-shadow:inset 0 0 0 4px #fff}
.w-foot{margin-top:auto;padding-top:22px;display:flex;align-items:center;justify-content:space-between;gap:12px;font-size:14px;color:var(--soft)}
.w-back{background:none;border:0;padding:8px 0;font-weight:700;color:var(--muted)}
.w-back:hover{color:var(--ink)}
.summary{display:none;flex-direction:column;flex:1}
.summary.active{display:flex;animation:stepIn .45s var(--ease)}
.summary-badge{display:inline-flex;align-self:flex-start;align-items:center;gap:8px;padding:7px 12px;border-radius:999px;background:#e8f7ee;color:#14532d;font-size:13px;font-weight:800;margin-bottom:16px}
.summary h3{font-family:var(--serif);font-size:clamp(26px,2.6vw,34px);margin-bottom:10px}
.summary-box{margin:18px 0 22px;padding:20px;border-radius:16px;background:var(--ivory);border:1px solid var(--line)}
.summary-box strong{display:block;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--soft);margin-bottom:10px}
.summary-box ul{margin:0;padding:0;list-style:none;display:grid;gap:8px}
.summary-box li{display:flex;gap:10px;font-size:15.5px;line-height:1.45}
.summary-box li::before{content:"";flex:0 0 18px;height:18px;margin-top:2px;border-radius:6px;background:var(--blue-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231447c9' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/12px no-repeat}
.summary-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:auto}

/* ---------- Steps ---------- */
.steps{background:var(--navy);color:#fff;overflow:hidden}
.steps::before{content:"";position:absolute;width:760px;height:760px;right:-280px;top:-420px;border-radius:50%;background:radial-gradient(circle,rgba(var(--accent-rgb),.32),transparent 68%);pointer-events:none}
.steps .lead{color:var(--on-dark-3)}
.step-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;position:relative}
.step-card{padding:30px 28px;border-radius:var(--r);background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);position:relative}
.step-num{font-family:var(--serif);font-size:56px;line-height:1;color:var(--champagne);margin-bottom:26px;display:block}
.step-card h3{font-size:21px;font-family:var(--sans);font-weight:800;letter-spacing:-.015em;margin-bottom:10px}
.step-card p{margin:0;color:var(--on-dark-3);font-size:15.5px}
.step-time{display:inline-block;margin-top:18px;padding:6px 11px;border-radius:999px;background:rgba(var(--champagne-rgb),.14);color:var(--champagne);font-size:12.5px;font-weight:700}
.steps-cta{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px;margin-top:22px;padding:22px 26px;border-radius:var(--r);border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.04);position:relative}
.steps-cta p{margin:0;color:var(--on-dark-1)}
.steps-cta strong{color:#fff}

/* ---------- Situations ---------- */
.sit-layout{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:stretch}
.sit-tabs{display:grid;grid-template-columns:1fr 1fr;gap:10px;align-content:start}
.sit-tab{display:flex;flex-direction:column;align-items:flex-start;gap:6px;text-align:left;padding:18px;border-radius:16px;border:1px solid var(--line);background:var(--paper);min-height:118px;transition:border-color .2s,box-shadow .2s,transform .2s var(--ease)}
.sit-tab .icon{width:40px;height:40px;border-radius:12px;margin-bottom:6px}
.sit-tab .icon svg{width:20px;height:20px}
.sit-tab strong{font-size:16px;line-height:1.25}
.sit-tab .sub{font-size:13.5px;color:var(--muted);line-height:1.4}
.sit-tab:hover{transform:translateY(-2px);box-shadow:var(--shadow-sm);border-color:var(--line-strong)}
.sit-tab[aria-selected="true"]{border-color:var(--blue);box-shadow:0 0 0 3px rgba(var(--accent-rgb),.12)}
.sit-panel{padding:clamp(26px,3.4vw,40px);border-radius:var(--r-lg);background:linear-gradient(160deg,#fff 0%,var(--accent-tint) 100%);border:1px solid var(--line);box-shadow:var(--shadow-sm);display:flex;flex-direction:column}
.sit-type{font-size:12.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--blue-deep)}
.sit-panel h3{font-family:var(--serif);font-size:clamp(26px,2.8vw,36px);margin:12px 0}
.sit-panel p{color:var(--muted)}
.sit-points{margin:6px 0 26px;padding:0;list-style:none;display:grid;gap:10px}
.sit-points li{display:flex;gap:12px;align-items:flex-start;font-weight:600;font-size:15.5px}
.sit-points li::before{content:"";flex:0 0 22px;height:22px;border-radius:50%;background:var(--blue-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231447c9' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/12px no-repeat}
.sit-panel .btn{margin-top:auto;align-self:flex-start}

/* ---------- Founders ---------- */
.founders{background:var(--sand)}
.founders-card{display:grid;grid-template-columns:1fr 1fr;border-radius:var(--r-lg);overflow:hidden;background:var(--paper);box-shadow:var(--shadow)}
.founders-photo{position:relative;min-height:520px;margin:0;background:#2a2118}
.founders-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 30%}
.founders-photo figcaption{position:absolute;left:20px;bottom:20px;padding:12px 16px;border-radius:14px;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);font-size:14px;line-height:1.35;box-shadow:var(--shadow-sm)}
.founders-photo figcaption strong{display:block}
.founders-photo figcaption span{color:var(--muted);font-size:13px}
.founders-copy{padding:clamp(30px,5vw,64px);display:flex;flex-direction:column;justify-content:center}
.founders-copy .h2{margin-bottom:20px}
.founders-copy>p{color:var(--muted)}
.values{margin:10px 0 30px;padding:0;list-style:none;display:grid;gap:12px}
.values li{display:grid;grid-template-columns:24px 1fr;gap:12px;font-size:16px}
.values svg{width:22px;height:22px;color:var(--green);margin-top:2px}
.founders-actions{display:flex;flex-wrap:wrap;gap:12px}

/* ---------- Testimonials (render only with real data) ---------- */
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.review{padding:28px;border-radius:var(--r);background:var(--paper);border:1px solid var(--line);display:flex;flex-direction:column;gap:18px}
.review .stars{color:#c58a1a;letter-spacing:2px}
.review blockquote{margin:0;font-family:var(--serif);font-size:20px;line-height:1.4}
.review footer{margin-top:auto;font-size:14px;color:var(--muted)}
.review footer strong{display:block;color:var(--ink)}

/* ---------- Cross-sell (Vida / IUL) ---------- */
.more{background:var(--paper)}
.more-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.more-card{position:relative;min-height:460px;border-radius:var(--r-lg);overflow:hidden;color:#fff;display:flex;flex-direction:column;justify-content:flex-end;padding:clamp(26px,3.4vw,40px);isolation:isolate;box-shadow:var(--shadow)}
.more-card img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;transition:transform 1.2s var(--ease)}
.more-card::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(var(--deep-rgb),.05) 20%,rgba(var(--deep-rgb),.86) 100%)}
.more-card:hover img{transform:scale(1.04)}
.more-card .tag{align-self:flex-start;padding:7px 12px;border-radius:999px;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.3);backdrop-filter:blur(10px);font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:auto}
.more-card h3{font-family:var(--serif);font-size:clamp(30px,3.2vw,42px);margin-bottom:10px}
.more-card p{color:var(--on-dark-1);max-width:440px}
.more-card .link-arrow{color:var(--champagne)}

/* ---------- FAQ ---------- */
.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(28px,5vw,80px);align-items:start}
.faq-aside{position:sticky;top:120px}
.faq-aside .contact-card{margin-top:28px;padding:22px;border-radius:var(--r);background:var(--paper);border:1px solid var(--line)}
.contact-card strong{display:block;margin-bottom:6px}
.contact-card p{color:var(--muted);font-size:15px}
.faq-list{border-top:1px solid var(--line-strong)}
.faq-item{border-bottom:1px solid var(--line-strong)}
.faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:24px 0;background:none;border:0;text-align:left;font-size:clamp(17px,1.6vw,19px);font-weight:700;letter-spacing:-.01em}
.faq-q i{flex:0 0 34px;height:34px;border-radius:50%;border:1px solid var(--line-strong);position:relative;transition:background .2s,border-color .2s,transform .3s var(--ease)}
.faq-q i::before,.faq-q i::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;margin:-1px 0 0 -6px;background:var(--ink);border-radius:2px;transition:transform .3s var(--ease)}
.faq-q i::after{transform:rotate(90deg)}
.faq-item.open .faq-q i{background:var(--ink);border-color:var(--ink)}
.faq-item.open .faq-q i::before,.faq-item.open .faq-q i::after{background:#fff}
.faq-item.open .faq-q i::after{transform:rotate(0)}
.faq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .35s var(--ease)}
.faq-a>div{overflow:hidden}
.faq-a p{margin:0 0 24px;color:var(--muted);max-width:680px}
.faq-item.open .faq-a{grid-template-rows:1fr}

/* ---------- Final CTA ---------- */
.final{padding-top:0}
.final-card{position:relative;overflow:hidden;border-radius:clamp(24px,3vw,36px);padding:clamp(40px,6vw,80px);background:radial-gradient(120% 140% at 100% 0%,var(--navy-glow-2) 0%,var(--navy) 58%);color:#fff;display:grid;grid-template-columns:1.2fr .8fr;gap:clamp(28px,4vw,56px);align-items:center;box-shadow:var(--shadow-lg)}
.final-card::after{content:"";position:absolute;inset:auto -120px -220px auto;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(var(--champagne-rgb),.2),transparent 70%);pointer-events:none}
.final-card .h2{margin-bottom:16px}
.final-card p{color:var(--on-dark-2);margin:0}
.final-actions{display:grid;gap:12px;position:relative;z-index:1}
.final-actions .fine{color:var(--on-dark-5);text-align:center;margin-top:4px}

/* ---------- Footer ---------- */
.footer{background:var(--footer);color:var(--on-dark-3);padding-block:clamp(56px,7vw,84px) 32px;font-size:15px}
.footer a:hover{color:#fff}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:clamp(24px,4vw,56px)}
.footer .brand{color:#fff;margin-bottom:18px}
.footer .brand small{color:var(--on-dark-5)}
.footer .brandmark{background:#fff;color:var(--navy)}
.footer h2{font-family:var(--sans);font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:#fff;margin-bottom:16px}
.footer ul{margin:0;padding:0;list-style:none;display:grid;gap:10px}
.foot-legal{margin-top:48px;padding-top:26px;border-top:1px solid rgba(255,255,255,.1);display:grid;gap:12px;font-size:13px;line-height:1.6;color:var(--on-dark-5)}
.foot-legal p{margin:0}
.foot-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;margin-top:10px}

/* ---------- Mobile dock ---------- */
.dock{position:fixed;left:0;right:0;bottom:0;z-index:70;display:none;gap:10px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.95);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-top:1px solid var(--line);box-shadow:0 -10px 30px rgba(var(--ink-rgb),.08);transform:translateY(110%);transition:transform .35s var(--ease)}
.dock.visible{transform:none}
.dock .btn{min-height:52px}
.dock .btn-primary,.dock .btn-gold{flex:1}
.dock .btn-wa{width:56px;padding:0;flex:0 0 56px}
.dock .btn-wa span{display:none}

/* ---------- Calendar dialog ---------- */
.cal-dialog{width:min(980px,calc(100% - 24px));height:min(860px,calc(100dvh - 24px));max-height:none;padding:0;border:0;border-radius:24px;background:#fff;box-shadow:var(--shadow-lg);overflow:hidden}
.cal-dialog::backdrop{background:rgba(var(--deep-rgb),.66);backdrop-filter:blur(6px)}
.cal-dialog[open]{display:flex;flex-direction:column;animation:dialogIn .35s var(--ease)}
@keyframes dialogIn{from{opacity:0;transform:translateY(16px) scale(.98)}to{opacity:1;transform:none}}
.cal-head{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:16px 18px 16px 24px;border-bottom:1px solid var(--line)}
.cal-head strong{display:block;font-family:var(--serif);font-size:22px}
.cal-head span{font-size:13px;color:var(--muted)}
.cal-head-actions{display:flex;align-items:center;gap:8px}
.cal-open{font-size:14px;font-weight:700;color:var(--blue-deep);padding:10px 12px;border-radius:10px}
.cal-open:hover{background:var(--blue-soft)}
.cal-close{width:44px;height:44px;border-radius:12px;border:1px solid var(--line-strong);background:#fff;font-size:24px;line-height:1}
.cal-body{position:relative;flex:1;background:#fafbfd}
.cal-body iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.cal-loading{position:absolute;inset:0;display:grid;place-items:center;color:var(--muted);font-size:15px}

/* ---------- Page hero (inner pages) ---------- */
.page-hero{position:relative;padding-block:clamp(40px,6vw,88px) clamp(64px,8vw,112px);background:var(--navy);color:#fff;overflow:hidden;isolation:isolate}
.theme-dark-top .page-hero{margin-top:-76px;padding-top:calc(76px + clamp(40px,6vw,88px))}
.page-hero-bg{position:absolute;inset:0;z-index:-2}
.page-hero-bg img{width:100%;height:100%;object-fit:cover;object-position:70% 50%}
.page-hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(var(--deep-rgb),.96) 0%,rgba(var(--deep-rgb),.86) 42%,rgba(var(--deep-rgb),.25) 100%)}
.page-hero .display{margin:0 0 24px;max-width:12ch}
.page-hero .lead{color:var(--on-dark-2);max-width:560px;margin-bottom:32px}
.crumbs{display:flex;gap:8px;align-items:center;font-size:13px;color:var(--on-dark-4);margin-bottom:28px}
.crumbs a:hover{color:#fff}
.hero-note{margin-top:22px;font-size:13px;color:var(--on-dark-5);max-width:520px}

/* ---------- Calculators (Vida / IUL) ---------- */
.calc{display:grid;grid-template-columns:.92fr 1.08fr;gap:18px;align-items:stretch}
.calc>*,.split>*,.pros-cons>*,.sit-layout>*,.planner-grid>*,.faq-grid>*,.hero-grid>*,.more-grid>*{min-width:0}
.calc-panel{padding:clamp(22px,3vw,34px);border-radius:var(--r-lg);background:var(--paper);border:1px solid var(--line);box-shadow:var(--shadow-sm)}
.field{margin-bottom:18px}
.field:last-child{margin-bottom:0}
.field label{display:flex;justify-content:space-between;gap:12px;font-size:14px;font-weight:700;margin-bottom:8px}
.field label small{font-weight:600;color:var(--soft)}
.money{display:flex;align-items:center;height:54px;border-radius:12px;border:1px solid var(--line-strong);background:#fff;transition:border-color .2s,box-shadow .2s}
.money:focus-within{border-color:var(--blue);box-shadow:0 0 0 4px rgba(var(--accent-rgb),.12)}
.theme-gold .money:focus-within{border-color:var(--gold);box-shadow:0 0 0 4px rgba(var(--gold-rgb),.14)}
.money span{padding:0 4px 0 16px;color:var(--soft);font-weight:700}
.money span.suffix{padding:0 16px 0 4px}
.money input{flex:1;min-width:0;height:100%;border:0;background:none;padding:0 16px 0 4px;font-size:18px;font-weight:700;font-variant-numeric:tabular-nums;outline:none}
.range{width:100%;margin:12px 0 0;accent-color:var(--blue)}
.theme-gold .range{accent-color:var(--gold)}
.hint{font-size:13px;color:var(--soft);margin-top:6px}
.result-panel{padding:clamp(22px,3vw,34px);border-radius:var(--r-lg);background:radial-gradient(130% 120% at 100% 0%,var(--navy-glow) 0%,var(--navy) 60%);color:#fff;display:flex;flex-direction:column;gap:22px;box-shadow:var(--shadow)}
.result-label{font-size:12.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--champagne)}
.result-big{font-family:var(--serif);font-size:clamp(46px,6vw,74px);line-height:1;letter-spacing:-.03em;font-variant-numeric:tabular-nums}
.result-sub{color:var(--on-dark-2);font-size:15px;margin:14px 0 0}
.breakdown{display:grid;gap:10px}
.bd-row{display:grid;grid-template-columns:1fr auto;gap:6px 12px;font-size:14.5px;align-items:center}
.bd-row span{color:var(--on-dark-1)}
.bd-row b{font-variant-numeric:tabular-nums}
.bd-bar{grid-column:1/-1;height:6px;border-radius:6px;background:rgba(255,255,255,.08);overflow:hidden}
.bd-bar i{display:block;height:100%;border-radius:inherit;background:var(--champagne);transition:width .5s var(--ease)}
.result-panel .fine{color:var(--on-dark-5)}
.scenarios{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.scenario{padding:16px;border-radius:14px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1)}
.scenario.mid{border-color:rgba(var(--champagne-rgb),.5);background:rgba(var(--champagne-rgb),.08)}
.scenario span{display:block;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--on-dark-4)}
.scenario strong{display:block;font-size:clamp(20px,2.2vw,26px);margin-top:6px;font-variant-numeric:tabular-nums}
.scenario small{display:block;font-size:12px;color:var(--on-dark-5);margin-top:4px}
.chart{width:100%;height:auto}
.chart .grid{stroke:rgba(255,255,255,.08)}
.chart .axis{fill:var(--on-dark-5);font-size:11px;font-family:var(--sans)}
.chart .line{fill:none;stroke-width:2.5}
.chart .area{opacity:.08}
.chart .contrib{stroke:var(--on-dark-4);stroke-dasharray:4 5;fill:none;stroke-width:1.5}
.legend{display:flex;flex-wrap:wrap;gap:14px;font-size:12.5px;color:var(--on-dark-2)}
.legend span{display:inline-flex;align-items:center;gap:6px}
.legend i{width:14px;height:3px;border-radius:2px;background:var(--c)}
.legend i.dash{background:repeating-linear-gradient(90deg,var(--on-dark-4) 0 4px,transparent 4px 8px)}
.mode-switch{display:grid;grid-template-columns:1fr 1fr;padding:5px;border-radius:14px;background:#eef1f6;margin-bottom:22px}
.mode-switch button{height:44px;border:0;border-radius:10px;background:none;font-weight:700;color:var(--muted);transition:background .2s,color .2s,box-shadow .2s}
.mode-switch button[aria-selected="true"]{background:#fff;color:var(--ink);box-shadow:var(--shadow-sm)}
.table-toggle summary{cursor:pointer;font-size:14px;font-weight:700;color:var(--on-dark-1)}
.table-scroll{max-height:280px;overflow:auto;margin-top:12px;border-radius:12px;border:1px solid rgba(255,255,255,.1)}
.table-scroll table{width:100%;border-collapse:collapse;font-size:13.5px;font-variant-numeric:tabular-nums}
.table-scroll th,.table-scroll td{padding:8px 12px;text-align:right;border-bottom:1px solid rgba(255,255,255,.06)}
.table-scroll th:first-child,.table-scroll td:first-child{text-align:left}
.table-scroll thead th{position:sticky;top:0;background:var(--navy-2);color:var(--on-dark-1)}
.table-scroll caption{text-align:left;padding:10px 12px;color:var(--on-dark-4)}

/* ---------- Content blocks (inner pages) ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.plan-card{padding:clamp(26px,3.4vw,40px);border-radius:var(--r-lg);background:var(--paper);border:1px solid var(--line);box-shadow:var(--shadow-sm)}
.plan-card.featured{background:var(--navy);color:#fff;border-color:var(--navy)}
.plan-card .tag{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.plan-card.featured .tag{color:var(--champagne)}
.plan-card h3{font-family:var(--serif);font-size:clamp(26px,2.8vw,34px);margin-bottom:12px}
.plan-card>p{color:var(--muted)}
.plan-card.featured>p{color:var(--on-dark-2)}
.plan-card ul{margin:18px 0 0;padding:0;list-style:none;display:grid;gap:10px}
.plan-card li{display:flex;gap:10px;font-size:15.5px}
.plan-card li::before{content:"";flex:0 0 20px;height:20px;margin-top:2px;border-radius:50%;background:var(--gold-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23a8834b' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/11px no-repeat}
.plan-card.featured li::before{background-color:rgba(var(--champagne-rgb),.16)}
.plan-card .card-link{margin:22px 0 0}
.plan-card.featured .link-arrow{color:var(--champagne)}
.mech{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;counter-reset:mech}
.mech-step{position:relative;padding:26px 22px;border-radius:var(--r);background:var(--paper);border:1px solid var(--line)}
.mech-step::before{counter-increment:mech;content:"0" counter(mech);display:block;font-family:var(--serif);font-size:34px;color:var(--gold);margin-bottom:16px}
.mech-step h3{font-family:var(--sans);font-size:18px;font-weight:800;margin-bottom:8px}
.mech-step p{margin:0;font-size:15px;color:var(--muted)}
.pros-cons{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.pc{padding:clamp(24px,3vw,36px);border-radius:var(--r-lg);border:1px solid var(--line);background:var(--paper)}
.pc h3{font-family:var(--serif);font-size:28px;margin-bottom:18px;display:flex;align-items:center;gap:12px}
.pc ul{margin:0;padding:0;list-style:none;display:grid;gap:14px}
.pc li{display:grid;grid-template-columns:24px 1fr;gap:12px;font-size:15.5px;color:var(--muted)}
.pc li strong{color:var(--ink);display:block}
.pc li svg{width:22px;height:22px;margin-top:2px}
.pc.pro li svg{color:var(--green)}
.pc.con li svg{color:#b45309}
.band{background:var(--paper)}
.band-sand{background:var(--sand)}
.note-box{margin-top:18px;padding:18px 20px;border-radius:14px;background:var(--gold-soft);border:1px solid rgba(var(--gold-rgb),.25);font-size:14.5px;color:#5b4520}
.note-box strong{color:#3d2e12}

/* ---------- Legal pages ---------- */
.legal{padding-block:clamp(48px,6vw,88px)}
.legal .wrap{max-width:780px}
.legal h1{font-family:var(--serif);font-size:clamp(40px,5vw,60px);margin-bottom:10px}
.legal h2{font-size:21px;margin:36px 0 10px}
.legal p,.legal li{color:#3a475a}
.legal a{color:var(--blue-deep);text-decoration:underline}
.legal .updated{color:var(--soft);font-size:14px;margin-bottom:32px}

/* ---------- Reveal ---------- */
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.js .reveal.in{opacity:1;transform:none}
.js .reveal.d1{transition-delay:.08s}.js .reveal.d2{transition-delay:.16s}.js .reveal.d3{transition-delay:.24s}

/* ---------- Responsive ---------- */
@media (max-width:1080px){
  .nav-links a.hide-md{display:none}
  .why-item{grid-column:span 6}
  .mech{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:960px){
  .nav-links{display:none}
  .menu-btn{display:inline-flex}
  .nav.open .nav-links{display:flex;flex-direction:column;align-items:stretch;gap:4px;position:absolute;left:var(--gutter);right:var(--gutter);top:calc(100% + 6px);padding:12px;border-radius:20px;background:#fff;box-shadow:var(--shadow-lg);border:1px solid var(--line)}
  .nav.open .nav-links a:not(.btn){padding:14px;font-size:17px;color:var(--ink)!important}
  .nav.open .nav-links a.hide-md{display:block}
  .nav.open .nav-links .btn{margin:8px 0 0}
  .hero-grid,.planner-grid,.faq-grid,.section-head,.founders-card,.final-card,.sit-layout,.calc,.proof-card{grid-template-columns:1fr}
  .section-head .lead{justify-self:start}
  .section-head.center .lead{justify-self:center}
  .planner-copy,.faq-aside{position:static}
  .hero-media{aspect-ratio:16/12}
  .founders-photo{min-height:420px}
  .step-grid{grid-template-columns:1fr}
  .more-grid{grid-template-columns:1fr}
  .more-card{min-height:380px}
  .reviews-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .promise{grid-template-columns:1fr;gap:14px}
  .split,.pros-cons{grid-template-columns:1fr}
  .page-hero::before{background:linear-gradient(180deg,rgba(var(--deep-rgb),.55) 0%,rgba(var(--deep-rgb),.92) 55%,rgba(var(--deep-rgb),.98) 100%)}
}
@media (max-width:720px){
  body{font-size:16px}
  .dock{display:flex}
  body.has-dock{padding-bottom:84px}
  .oe-bar .wrap{justify-content:flex-start;text-align:left;gap:10px;font-size:13px}
  .oe-bar .hide-sm{display:none}
  .oe-bar .wrap{gap:8px}
  .oe-bar .dot{display:none}
  .oe-bar strong{white-space:nowrap}
  .oe-count{font-size:11px;padding:3px 8px}
  .nav-in{height:64px}
  html{scroll-padding-top:80px}
  .theme-dark-top .page-hero{margin-top:-64px;padding-top:calc(64px + 36px)}
  .brand{font-size:15.5px}
  .brand small{display:none}
  .brandmark{width:38px;height:38px;font-size:16px}
  .hero{padding-top:18px}
  .eyebrow{font-size:12.5px;margin-bottom:18px}
  h1.display{font-size:clamp(40px,11.4vw,52px);line-height:1}
  .hero-copy .display{margin-bottom:18px}
  .hero-copy .lead{margin-bottom:24px}
  .hero .hero-actions{display:grid;grid-template-columns:1fr 56px}
  .hero .hero-actions .btn-wa{padding:0}
  .hero .hero-actions .btn-wa span{display:none}
  .page-hero .hero-actions,.legal .hero-actions{display:grid;grid-template-columns:1fr}
  .btn{white-space:normal;text-align:center;line-height:1.25}
  .wizard-top span:first-child{display:none}
  .checks{gap:8px 16px;font-size:14px;margin-top:20px}
  .hero-media{aspect-ratio:4/3.4;border-radius:22px}
  .hero-media .state-check{position:static}
  .hero-state{margin-top:22px}
  .why-item{grid-column:span 12;padding:24px 22px}
  .options{grid-template-columns:1fr}
  .option{min-height:72px}
  .wizard{min-height:0}
  .sit-tabs{grid-template-columns:1fr 1fr}
  .sit-tab{min-height:0;padding:14px}
  .sit-tab .sub{display:none}
  .founders-photo{min-height:360px}
  .foot-grid{grid-template-columns:1fr}
  .logo-chip{width:128px;height:54px;padding:10px 16px}
  .scenarios{grid-template-columns:1fr}
  .mech{grid-template-columns:1fr}
  .cal-dialog{width:100%;height:100dvh;border-radius:0;max-width:none}
  .cal-open{display:none}
  .page-hero .display{max-width:none}
  .final-card{border-radius:24px}
  .steps-cta .btn,.final-actions .btn{width:100%}
}
@media (min-width:721px){.hero-state{display:none}}
@media (max-width:720px){.hero-media .state-check{display:none}}
@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 .reveal{opacity:1;transform:none}
  .marquee-track{animation:none}
  .hero-media>video{display:none}
}
@media print{.nav,.oe-bar,.dock,.cal-dialog{display:none!important}}

/* =========================================================
   V15.1 · Motion & interactive layer
   Only transform/opacity are animated, and all motion is gated
   by prefers-reduced-motion (see also the global rule above).
   ========================================================= */
.i0{--i:0}.i1{--i:1}.i2{--i:2}.i3{--i:3}.i4{--i:4}.i5{--i:5}.i6{--i:6}.i7{--i:7}.i8{--i:8}.i9{--i:9}.i10{--i:10}.i11{--i:11}.i12{--i:12}.i13{--i:13}.i14{--i:14}.i15{--i:15}.i16{--i:16}.i17{--i:17}.i18{--i:18}.i19{--i:19}.i20{--i:20}.i21{--i:21}.i22{--i:22}.i23{--i:23}.i24{--i:24}
.r0{grid-row:1;--r:0}.r1{grid-row:2;--r:1}.r2{grid-row:3;--r:2}.r3{grid-row:4;--r:3}.r4{grid-row:5;--r:4}.r5{grid-row:6;--r:5}.r6{grid-row:7;--r:6}.r7{grid-row:8;--r:7}.c0{grid-column:1;--c:0}.c1{grid-column:2;--c:1}.c2{grid-column:3;--c:2}.c3{grid-column:4;--c:3}.c4{grid-column:5;--c:4}.c5{grid-column:6;--c:5}.c6{grid-column:7;--c:6}.c7{grid-column:8;--c:7}.c8{grid-column:9;--c:8}.c9{grid-column:10;--c:9}.c10{grid-column:11;--c:10}

/* Headline words (wrapped at build time) */
.w{display:inline-block;overflow:hidden;vertical-align:top;padding:0 .09em .16em;margin:0 -.09em -.16em}
.w>span{display:inline-block}

/* Scroll progress */
.scroll-progress{position:fixed;left:0;right:0;top:0;height:3px;z-index:95;pointer-events:none;transform-origin:0 50%;transform:scaleX(var(--p,0));background:linear-gradient(90deg,var(--blue),var(--accent-light) 55%,var(--champagne))}

/* Buttons: shine + magnetic */
.btn-primary,.btn-gold{position:relative;overflow:hidden;isolation:isolate}
.btn>*{position:relative;z-index:1}
.btn-primary::after,.btn-gold::after{content:"";position:absolute;inset:0;z-index:0;background:linear-gradient(110deg,transparent 25%,rgba(255,255,255,.38) 50%,transparent 75%);transform:translateX(-130%);transition:transform .9s var(--ease)}
.btn-primary:hover::after,.btn-gold:hover::after{transform:translateX(130%)}
.btn-magnetic{translate:var(--bx,0) var(--by,0);transition:transform .2s var(--ease),box-shadow .2s var(--ease),background .2s var(--ease),border-color .2s var(--ease),color .2s,translate .35s var(--ease)}
.option:active,.sit-tab:active,.tile:active{scale:.97}

/* Cursor spotlight on cards */
.spot{position:relative}
.spot::after{content:"";position:absolute;inset:0;border-radius:inherit;pointer-events:none;opacity:0;transition:opacity .35s;background:radial-gradient(360px circle at var(--mx,50%) var(--my,50%),rgba(var(--accent-rgb),.1),transparent 45%)}
.theme-gold .spot::after{background:radial-gradient(360px circle at var(--mx,50%) var(--my,50%),rgba(var(--gold-rgb),.12),transparent 45%)}
.on-dark .spot::after,.plan-card.featured.spot::after{background:radial-gradient(360px circle at var(--mx,50%) var(--my,50%),rgba(var(--champagne-rgb),.16),transparent 45%)}
.spot:hover::after{opacity:1}

/* Hero depth (values set by motion.js) */
.hero-media{transform:perspective(1400px) rotateX(var(--rx,0deg)) rotateY(var(--ry,0deg))}
.hero-media .state-check{translate:var(--tx,0) var(--ty,0)}
.rotating{display:inline-block;transition:opacity .35s var(--ease),transform .35s var(--ease)}
.rotating.out{opacity:0;transform:translateY(-6px)}

/* Trust bar stats */
.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:0}
.stat{display:flex;flex-direction:column-reverse;justify-content:flex-end;gap:6px;padding:16px 18px;border-radius:16px;background:var(--ivory);border:1px solid var(--line)}
.stat dt{font-size:13px;font-weight:700;color:var(--muted)}
.stat dd{margin:0;font-family:var(--serif);font-size:clamp(34px,3.4vw,46px);line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.stat dd small{font-family:var(--sans);font-size:.4em;font-weight:800;letter-spacing:0;color:var(--blue-deep);margin-left:4px}
.stat dd small:first-child{margin:0 3px 0 0;vertical-align:.55em}

/* Licensed states tile map */
.map-section{background:radial-gradient(90% 120% at 85% 0%,var(--navy-glow) 0%,var(--navy) 62%);color:#fff;overflow:hidden}
.map-section .lead{color:var(--on-dark-3)}
.map-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(28px,5vw,72px);align-items:center}
.map-grid>*{min-width:0}
.map-check{margin-top:26px}
.map-legend{display:flex;flex-wrap:wrap;gap:8px 20px;margin:18px 0 0;padding:0;list-style:none;font-size:13.5px;color:var(--on-dark-3)}
.map-legend i{display:inline-block;width:12px;height:12px;margin-right:8px;border-radius:4px;background:rgba(255,255,255,.12);vertical-align:-1px}
.map-legend i.on{background:linear-gradient(160deg,var(--hl-1),var(--hl-2))}
.tilemap{display:grid;grid-template-columns:repeat(11,minmax(0,1fr));gap:clamp(4px,.6vw,8px)}
.tile{position:relative;aspect-ratio:1;display:grid;place-items:center;padding:0;border-radius:clamp(6px,.8vw,12px);border:1px solid rgba(255,255,255,.07);background:rgba(255,255,255,.05);color:var(--on-dark-5);font-size:clamp(9px,1vw,13px);font-weight:800;letter-spacing:.02em;transition:transform .25s var(--ease),background .25s,color .25s,box-shadow .25s}
.tile:hover,.tile:focus-visible{transform:translateY(-3px) scale(1.07);z-index:3;color:#fff;background:rgba(255,255,255,.14)}
.tile.on{background:linear-gradient(160deg,var(--hl-1),var(--hl-2));border-color:rgba(255,255,255,.18);color:var(--hl-text);box-shadow:0 10px 24px rgba(var(--accent-rgb),.35),inset 0 1px 0 rgba(255,255,255,.22)}
.tile.on::before{content:"";position:absolute;inset:-2px;border-radius:inherit;border:2px solid rgba(var(--accent-light-rgb),.7);opacity:0;pointer-events:none}
.tile.sel{background:linear-gradient(160deg,var(--sel-1),var(--sel-2));border-color:transparent;color:var(--sel-text);box-shadow:0 0 0 3px rgba(var(--champagne-rgb),.35),0 12px 30px rgba(var(--champagne-rgb),.3)}
.tile.sel:not(.on){background:rgba(255,255,255,.22);color:#fff;box-shadow:0 0 0 3px rgba(255,255,255,.2)}
.tile::after{content:attr(data-name);position:absolute;left:50%;bottom:calc(100% + 8px);padding:6px 10px;border-radius:8px;background:#fff;color:var(--ink);font-size:12px;font-weight:700;letter-spacing:0;white-space:nowrap;box-shadow:var(--shadow);opacity:0;transform:translate(-50%,4px);transition:opacity .2s,transform .2s;pointer-events:none}
.tile:hover::after,.tile:focus-visible::after{opacity:1;transform:translate(-50%,0)}

/* Timeline rail for "cómo funciona" (desktop only) */
.step-line{display:none}

/* Plan explainer */
.explainer{display:grid;grid-template-columns:.9fr 1.1fr;gap:18px}
.explainer>*{min-width:0}
.explainer-controls{padding:clamp(22px,3vw,34px);border-radius:var(--r-lg);background:var(--ivory);border:1px solid var(--line)}
.tier-switch{display:grid;grid-template-columns:repeat(3,1fr);padding:5px;margin-bottom:20px;border-radius:14px;background:var(--sand-2)}
.tier-switch button{height:44px;border:0;border-radius:10px;background:none;font-weight:800;color:var(--muted);transition:background .2s,color .2s,box-shadow .2s}
.tier-switch button[aria-selected="true"]{background:#fff;color:var(--ink);box-shadow:var(--shadow-sm)}
.tier-facts{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:0 0 22px}
.tier-facts div{padding:14px 16px;border-radius:14px;background:#fff;border:1px solid var(--line)}
.tier-facts dt{font-size:11.5px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--soft)}
.tier-facts dd{margin:4px 0 0;font-size:22px;font-weight:800;font-variant-numeric:tabular-nums}
.phases{display:grid;gap:8px;margin:22px 0 0;padding:0;list-style:none;counter-reset:ph}
.phases li{position:relative;padding:12px 14px 12px 50px;border-radius:14px;border:1px solid transparent;opacity:.5;transition:opacity .3s,background .3s,border-color .3s}
.phases li::before{counter-increment:ph;content:counter(ph);position:absolute;left:12px;top:12px;width:26px;height:26px;border-radius:50%;display:grid;place-items:center;background:var(--sand-2);color:var(--muted);font-size:13px;font-weight:800;transition:background .3s,color .3s}
.phases li.active{opacity:1;background:#fff;border-color:var(--line)}
.phases li.active::before{background:var(--blue);color:#fff}
.phases b{display:block;font-size:15.5px}
.phases span{font-size:14px;color:var(--muted)}
.explainer-output{display:flex;flex-direction:column;gap:18px;padding:clamp(22px,3vw,34px);border-radius:var(--r-lg);background:radial-gradient(130% 120% at 100% 0%,var(--navy-glow) 0%,var(--navy) 60%);color:#fff;box-shadow:var(--shadow)}
.split-totals{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.split-totals span{display:block;font-size:12.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--on-dark-4)}
.split-totals strong{display:block;margin-top:8px;font-family:var(--serif);font-size:clamp(36px,4.4vw,56px);line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.split-totals .ins strong{color:var(--champagne)}
.split-bar{height:12px;border-radius:12px;background:var(--champagne);overflow:hidden}
.split-bar i{display:block;height:100%;width:50%;border-radius:inherit;background:linear-gradient(90deg,var(--accent-2),var(--accent-light));transition:width .5s var(--ease)}
.px-legend i.px-b{background:#c79466}
.px-legend i.px-s{background:var(--on-dark-2)}
.px-legend i.px-g{background:var(--champagne)}
.px-chart .curve{fill:none;stroke-width:2;opacity:.3;transition:opacity .3s}
.px-chart .curve.active{stroke-width:3.5;opacity:1}
.px-chart .guide{stroke:rgba(255,255,255,.35);stroke-dasharray:3 4}
.px-chart .dot{fill:#fff;stroke-width:4}
.px-cta{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px;padding:16px 18px;border-radius:16px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1)}
.px-cta p{margin:0;color:var(--on-dark-1);font-size:15px}
.explainer-output .fine{margin:0;color:var(--on-dark-5)}

/* Cross-sell parallax: individual transform properties so hover zoom and parallax compose */
.more-card img{transform:none;translate:0 var(--py,0px);scale:1.12;transition:scale 1.2s var(--ease)}
.more-card:hover img{transform:none;scale:1.17}

@media (min-width:961px){
  .step-grid{padding-top:40px}
  .step-line{display:block;position:absolute;left:28px;right:28px;top:5px;height:2px;border-radius:2px;background:rgba(255,255,255,.12)}
  .step-line i{display:block;height:100%;border-radius:inherit;background:linear-gradient(90deg,var(--champagne),var(--accent-light));transform-origin:0 50%;transform:scaleX(var(--p,0))}
  .step-card::before{content:"";position:absolute;top:-41px;left:28px;width:14px;height:14px;border-radius:50%;background:var(--navy-2);border:2px solid rgba(255,255,255,.28);transition:background .4s,border-color .4s,box-shadow .4s}
  .step-card.lit::before{background:var(--champagne);border-color:var(--champagne);box-shadow:0 0 0 6px rgba(var(--champagne-rgb),.18)}
}
@media (max-width:960px){
  .map-grid,.explainer{grid-template-columns:1fr}
  .stats{grid-template-columns:repeat(4,1fr)}
}
@media (max-width:720px){
  .stats{grid-template-columns:repeat(2,1fr)}
  .stat{padding:14px}
  .tile::after{display:none}
  .split-totals strong{font-size:34px}
  .tier-facts dd{font-size:19px}
}

@media (prefers-reduced-motion:no-preference){
  .hero h1.display .w>span,.page-hero h1.display .w>span{animation:wordUp 1s var(--ease) backwards;animation-delay:calc(.12s + var(--i)*55ms)}
  .hero-copy>:not(h1){animation:slideUp .9s var(--ease) backwards}
  .hero-copy>.lead{animation-delay:.42s}
  .hero-copy>.hero-actions{animation-delay:.56s}
  .hero-copy>.checks{animation-delay:.68s}
  .hero-copy>.hero-state{animation-delay:.78s}
  .hero-media{animation:mediaIn 1.3s var(--ease) .15s backwards}
  .hero-media .state-check{animation:rise .9s var(--ease) .85s backwards}
  .hero-media .media-tag{animation:rise .9s var(--ease) .95s backwards}
  .page-hero .wrap>:not(h1){animation:slideUp .9s var(--ease) backwards}
  .page-hero .kicker{animation-delay:.06s}
  .page-hero .lead{animation-delay:.48s}
  .page-hero .hero-actions{animation-delay:.62s}
  .page-hero .hero-note{animation-delay:.76s}
  .page-hero-bg img{animation:bgSettle 2.6s var(--ease) backwards}
  .js .reveal .h2 .w>span{transform:translateY(118%);transition:transform 1s var(--ease);transition-delay:calc(.05s + var(--i)*40ms)}
  .js .reveal.in .h2 .w>span{transform:none}
  .js .reveal .kicker::before{width:0;transition:width .8s var(--ease) .15s}
  .js .reveal.in .kicker::before{width:26px}
  .js .tilemap-wrap:not(.in) .tile{opacity:0}
  .js .tilemap-wrap.in .tile{animation:tileIn .7s cubic-bezier(.34,1.56,.64,1) backwards;animation-delay:calc(var(--c)*40ms + var(--r)*35ms)}
  .tile.on::before{animation:ping 3.6s var(--ease) infinite;animation-delay:calc(1.4s + var(--c)*.25s)}
  @view-transition{navigation:auto}
  ::view-transition-old(root),::view-transition-new(root){animation-duration:.35s}
}
@keyframes wordUp{from{transform:translateY(118%)}to{transform:none}}
@keyframes rise{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
@keyframes mediaIn{from{transform:perspective(1400px) scale(.96) translateY(18px);clip-path:inset(6% 6% 6% 6% round 44px)}to{clip-path:inset(0 0 0 0 round 28px)}}
@keyframes slideUp{from{transform:translateY(14px)}to{transform:none}}
@keyframes bgSettle{from{transform:scale(1.1)}to{transform:scale(1)}}
@keyframes tileIn{from{opacity:0;transform:scale(.4)}to{opacity:1;transform:none}}
@keyframes ping{0%{opacity:.8;transform:scale(1)}60%,100%{opacity:0;transform:scale(1.45)}}

/* =========================================================
   V15.2 · Design refinements: icons, calendar host, comparison, WhatsApp
   ========================================================= */

/* Duotone icon chips */
.icon{width:52px;height:52px;border-radius:16px;background:linear-gradient(160deg,#fff 0%,var(--blue-soft) 100%);box-shadow:inset 0 0 0 1px rgba(var(--accent-rgb),.14),0 8px 18px rgba(var(--accent-rgb),.1)}
.icon svg{width:26px;height:26px;stroke-width:1.75}
.icon svg>:first-child{fill:currentColor;fill-opacity:.14}
.theme-gold .icon{background:linear-gradient(160deg,#fff,var(--gold-soft));box-shadow:inset 0 0 0 1px rgba(var(--gold-rgb),.22),0 8px 18px rgba(var(--gold-rgb),.12)}
.sit-tab .icon{width:42px;height:42px;border-radius:13px}
.sit-tab .icon svg{width:21px;height:21px}

/* Calendar: who you will meet */
.cal-who{display:flex;align-items:center;gap:14px;min-width:0}
.cal-who img{flex:0 0 52px;width:52px;height:52px;border-radius:50%;object-fit:cover;object-position:50% 28%;box-shadow:0 0 0 3px #fff,0 0 0 4px var(--line-strong)}
.cal-who span{display:block}

/* Comparison table */
.compare-section{background:var(--paper)}
.compare-wrap{border-radius:var(--r-lg);border:1px solid var(--line);overflow:hidden;background:#fff;box-shadow:var(--shadow-sm)}
.compare{width:100%;border-collapse:collapse;font-size:15.5px}
.compare th,.compare td{padding:18px 20px;text-align:center;border-bottom:1px solid var(--line);vertical-align:middle}
.compare tbody th{text-align:left;font-weight:600;color:var(--ink);width:38%}
.compare thead th{padding-block:16px;background:var(--ivory);font-size:12.5px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--soft)}
.compare thead th.us{background:var(--navy);color:#fff}
.compare td{color:var(--muted)}
.compare td.us{background:rgba(var(--accent-rgb),.045);color:var(--ink);font-weight:700}
.compare td span{display:inline-flex;align-items:center;gap:8px}
.compare tbody tr:last-child th,.compare tbody tr:last-child td{border-bottom:0}
.mark{flex:0 0 auto;width:24px;height:24px;border-radius:50%;display:inline-grid;place-items:center}
.mark svg{width:13px;height:13px;stroke-width:3}
.mark.yes{background:#e3f4ea;color:#15803d}
.mark.mid{background:#fbf0d9;color:#a16207}
.mark.no{background:#eef0f3;color:#8a94a3}
.compare-foot{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px;margin-top:18px}
.compare-foot .fine{margin:0}

/* WhatsApp float (desktop; the mobile dock already has WhatsApp) */
.wa-float{position:fixed;right:22px;bottom:22px;z-index:75;display:flex;flex-direction:column;align-items:flex-end;gap:12px}
.wa-fab{position:relative;width:60px;height:60px;border-radius:50%;display:grid;place-items:center;background:#25d366;color:#fff;box-shadow:0 14px 32px rgba(37,211,102,.38);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.wa-fab svg{width:30px;height:30px}
.wa-fab:hover{transform:translateY(-3px) scale(1.04);box-shadow:0 18px 40px rgba(37,211,102,.45)}
.wa-bubble{position:relative;max-width:310px;padding:14px 38px 14px 14px;border-radius:18px 18px 6px 18px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-lg);animation:bubbleIn .5s var(--ease) both}
.wa-bubble-link{display:flex;gap:12px;align-items:flex-start;font-size:14.5px;line-height:1.45;color:var(--muted)}
.wa-bubble-link strong{display:block;color:var(--ink)}
.wa-bubble-link img{flex:0 0 44px;width:44px;height:44px;border-radius:50%;object-fit:cover;object-position:50% 28%}
.wa-bubble-close{position:absolute;right:8px;top:6px;width:28px;height:28px;border:0;border-radius:8px;background:none;color:var(--soft);font-size:18px;line-height:1}
.wa-bubble-close:hover{background:var(--ivory);color:var(--ink)}
@keyframes bubbleIn{from{opacity:0;transform:translateY(10px) scale(.96)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:no-preference){
  .wa-fab::before{content:"";position:absolute;inset:0;border-radius:50%;border:2px solid rgba(37,211,102,.55);animation:ping 3s var(--ease) 2s infinite;pointer-events:none}
}
@media (max-width:720px){
  .wa-float{display:none}
  .compare{font-size:13px}
  .compare th,.compare td{padding:12px 8px}
  .compare thead th{font-size:10px;letter-spacing:.03em}
  .compare tbody th{width:36%}
  .compare td span{flex-direction:column;gap:4px}
  .compare-foot .btn{width:100%}
  .cal-who img{flex-basis:40px;width:40px;height:40px}
  .cal-who span{display:none}
}

/* =========================================================
   V15.2 · SEO pages: states, guides, glossary
   ========================================================= */

/* State facts */
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.fact{padding:28px 26px;border-radius:var(--r);background:var(--ivory);border:1px solid var(--line);display:flex;flex-direction:column}
.fact .icon{margin-bottom:18px}
.fact-label{font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--kicker)}
.fact h3{font-family:var(--serif);font-size:clamp(22px,2.2vw,27px);margin:8px 0 10px}
.fact p{margin:0;color:var(--muted);font-size:15.5px}
.fact a{color:var(--blue-deep);font-weight:700}
.state-chips{display:flex;flex-wrap:wrap;gap:10px}
.state-chips a{padding:12px 18px;border-radius:999px;background:var(--paper);border:1px solid var(--line-strong);font-weight:700;transition:border-color .2s,background .2s,transform .2s var(--ease)}
.state-chips a:hover{border-color:var(--blue);transform:translateY(-2px)}

/* State hub cards */
.state-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.state-card{position:relative;display:flex;flex-direction:column;gap:6px;padding:22px;border-radius:var(--r);background:var(--ivory);border:1px solid var(--line);transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s}
.state-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent;background:#fff}
.state-code{font-family:var(--serif);font-size:34px;font-weight:650;line-height:1;color:var(--blue-deep);margin-bottom:6px}
.state-card strong{font-size:18px}
.state-card>span:not(.state-code):not(.state-tag){font-size:14px;color:var(--muted)}
.state-tag{align-self:flex-start;margin-top:8px;padding:4px 10px;border-radius:999px;background:#eef0f3;color:var(--muted);font-size:12px;font-weight:700}
.state-tag.on{background:#e3f4ea;color:#15803d}

/* Footer additions */
.foot-wa{font-weight:700;color:#fff}
.foot-states{display:flex;flex-wrap:wrap;gap:6px 16px;margin-top:40px;padding-top:24px;border-top:1px solid rgba(255,255,255,.1);font-size:14px}
.foot-states span{color:#fff;font-weight:700}
.foot-states a{color:var(--on-dark-3)}

/* Articles (guides) */
.wrap-narrow{width:min(760px,100% - var(--gutter)*2);margin-inline:auto}
.article-head{padding-block:clamp(36px,5vw,72px) 18px}
.article-head .display{font-size:clamp(38px,5vw,62px);margin:0 0 20px}
.guides-head{padding-bottom:0}
.crumbs-light{color:var(--soft)}
.crumbs-light a:hover{color:var(--ink)}
.byline{display:flex;align-items:center;gap:12px;margin-top:26px;font-size:14px;color:var(--muted)}
.byline img{flex:0 0 44px;width:44px;height:44px;border-radius:50%;object-fit:cover;object-position:50% 28%}
.byline strong{display:block;color:var(--ink)}
.article-body{padding-bottom:var(--section)}
.article-body>h2{font-family:var(--serif);font-size:clamp(26px,3vw,34px);font-weight:650;margin:48px 0 14px;letter-spacing:-.02em;scroll-margin-top:100px}
.article-body p,.article-body li{font-size:18px;line-height:1.75;color:#2c3a4f}
.article-body ul,.article-body ol{padding-left:22px;margin:0 0 1em}
.article-body li{margin-bottom:8px}
.article-body a{color:var(--blue-deep);text-decoration:underline;text-underline-offset:3px}
.article-body .btn{text-decoration:none}
.toc{margin:8px 0 12px;padding:20px 22px;border-radius:16px;background:var(--paper);border:1px solid var(--line)}
.toc strong{display:block;margin-bottom:8px;font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--soft)}
.toc ol{margin:0;padding-left:20px}
.toc li{margin:4px 0;font-size:15.5px;line-height:1.5}
.callout{margin:26px 0;padding:18px 22px;border-radius:16px;background:var(--gold-soft);border:1px solid rgba(var(--gold-rgb),.25)}
.callout p{margin:0;font-size:16.5px}
.table-plain{margin:22px 0;border-radius:16px;border:1px solid var(--line);overflow:hidden;background:#fff}
.table-plain table{width:100%;border-collapse:collapse;font-size:16px}
.table-plain th,.table-plain td{padding:14px 16px;text-align:right;border-bottom:1px solid var(--line)}
.table-plain th[scope="row"],.table-plain thead th:first-child{text-align:left;font-weight:600}
.table-plain thead th{background:var(--ivory);font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--soft)}
.table-plain tbody tr:last-child th,.table-plain tbody tr:last-child td{border-bottom:0}
.article-cta{display:grid;gap:14px;margin:44px 0 20px;padding:clamp(24px,4vw,36px);border-radius:var(--r-lg);background:radial-gradient(120% 140% at 100% 0%,var(--navy-glow-2) 0%,var(--navy) 60%);color:#fff}
.article-cta h2{margin:0;font-family:var(--serif);font-size:clamp(26px,3vw,32px);color:#fff}
.article-cta p{margin:0;color:var(--on-dark-2);font-size:16.5px}
.article-cta .btn{justify-self:start}

/* Glossary */
.glossary-index{display:flex;flex-wrap:wrap;gap:6px;margin-top:26px}
.glossary-index a{min-width:38px;padding:7px 10px;border-radius:10px;background:var(--paper);border:1px solid var(--line);font-size:14px;font-weight:800;text-align:center;transition:border-color .2s}
.glossary-index a:hover{border-color:var(--blue)}
.glossary-letter{font-family:var(--serif);font-size:44px;font-weight:650;color:var(--kicker);margin:44px 0 0;scroll-margin-top:100px}
.glossary{margin:0}
.glossary dt{margin-top:22px;font-family:var(--serif);font-size:22px;font-weight:650;color:var(--ink);scroll-margin-top:100px}
.glossary dd{margin:6px 0 0;font-size:17px;line-height:1.7;color:#2c3a4f}

/* Guide cards */
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.guide-card{display:flex;flex-direction:column;gap:10px;padding:26px;border-radius:var(--r);background:var(--paper);border:1px solid var(--line);transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.guide-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.guide-card .tag{font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--kicker)}
.guide-card h3{font-family:var(--serif);font-size:24px;font-weight:650}
.guide-card p{margin:0;color:var(--muted);font-size:15.5px}
.guide-card .link-arrow{margin-top:auto;padding-top:8px}

@media (max-width:960px){
  .facts{grid-template-columns:1fr}
  .state-grid{grid-template-columns:repeat(2,1fr)}
  .guide-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  .state-grid,.guide-grid{grid-template-columns:1fr}
  .article-body p,.article-body li{font-size:17px}
  .table-plain th,.table-plain td{padding:12px 10px;font-size:14px}
}

/* =========================================================
   V16 · "Amanecer dorado" brand layer (La Rocca Advisors)
   Royal navy + metallic gold + cream, the real LR monogram, gold ribbons,
   and on the home page a sky that goes from night to golden dawn.
   Animations are transform/opacity/clip only and gated by reduced motion.
   ========================================================= */

/* ---------- Base & type ---------- */
body{letter-spacing:.002em}
body.home{background:var(--navy-950)}
:focus-visible{outline-color:var(--gold-400)}
::selection{background:var(--gold-200);color:var(--navy-950)}
.svg-defs{position:absolute;width:0;height:0;overflow:hidden}
.display{font-weight:700;letter-spacing:-.02em;line-height:1.02;font-variant-numeric:lining-nums;text-wrap:balance}
.h2{font-weight:700;letter-spacing:-.018em;line-height:1.06;font-variant-numeric:lining-nums;text-wrap:balance}
.h3{font-weight:700}
.display em,.h2 em{font-weight:600}
.display em .w>span,.h2 em .w>span{background:var(--gold-grad-dark);-webkit-background-clip:text;background-clip:text;color:transparent;padding-right:.06em}
.on-dark .display em .w>span,.on-dark .h2 em .w>span,.page-hero .display em .w>span,.page-hero .h2 em .w>span,.article-cta em{background:var(--gold-grad);background-size:220% 100%;-webkit-background-clip:text;background-clip:text;color:transparent}
.kicker{font-size:12px;font-weight:700;letter-spacing:.22em}
.kicker::before{height:1.5px;background:var(--gold-grad);opacity:1}
.on-dark .kicker,.page-hero .kicker{color:var(--gold-300)}
.on-dark .lead{color:var(--on-dark-2)}
.script{font-family:var(--script);font-weight:400;font-size:clamp(30px,3vw,44px);line-height:1;letter-spacing:0;color:var(--gold-700)}
.on-dark .script{color:var(--gold-300)}
.section-head.center>div{display:grid;justify-items:center}

/* ---------- Buttons ---------- */
.btn,.btn-sm{border-radius:999px}
.btn-primary,.btn-gold{background:var(--gold-grad);background-size:200% 100%;background-position:0 0;color:var(--navy-950);border:0;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.55),inset 0 -1px 0 rgba(90,55,10,.35),0 14px 30px -12px rgba(var(--gold-rgb),.65);
  transition:transform .2s var(--ease),box-shadow .3s var(--ease),background-position .9s var(--ease-out),translate .35s var(--ease)}
.btn-primary:hover,.btn-gold:hover{background-position:100% 0;box-shadow:inset 0 1px 0 rgba(255,255,255,.55),inset 0 -1px 0 rgba(90,55,10,.35),0 20px 42px -12px rgba(var(--gold-rgb),.85)}
.btn-dark{background:linear-gradient(180deg,#1a3a8c,#0c2260);color:#fff;box-shadow:inset 0 1px 0 rgba(255,255,255,.16),inset 0 0 0 1px rgba(220,176,89,.5),0 14px 30px -14px rgba(7,26,74,.7)}
.btn-dark svg{color:var(--gold-300)}
.btn-dark:hover{box-shadow:inset 0 1px 0 rgba(255,255,255,.16),inset 0 0 0 1px rgba(236,201,119,.9),0 20px 40px -14px rgba(7,26,74,.8)}
.btn-wa{background:#fff;color:#0f5132;border-color:rgba(31,170,89,.35)}
.on-dark .btn-ghost,.on-dark .btn-wa,.page-hero .btn-wa,.page-hero .btn-ghost{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.32);box-shadow:none;backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}
.on-dark .btn-wa:hover,.on-dark .btn-ghost:hover{border-color:var(--gold-300);background:rgba(255,255,255,.14)}
.on-dark .btn-wa svg,.page-hero .btn-wa svg{color:#5fd08d}
.link-arrow{color:var(--navy-2)}
.scroll-progress{background:var(--gold-grad)}
.range{accent-color:var(--gold-500)}
.money:focus-within{border-color:var(--gold-500);box-shadow:0 0 0 4px rgba(var(--gold-rgb),.16)}

/* ---------- Open enrollment bar ---------- */
.oe-bar{background:linear-gradient(90deg,var(--navy-950),#0b2160 50%,var(--navy-950));color:var(--on-dark-1);border-bottom:1px solid rgba(var(--champagne-rgb),.22)}
.oe-bar .dot{background:var(--gold-300);box-shadow:0 0 0 4px rgba(var(--champagne-rgb),.2)}
.oe-bar a{color:var(--gold-300)}
.oe-count{background:transparent;box-shadow:inset 0 0 0 1px rgba(var(--champagne-rgb),.55);color:var(--gold-200)}

/* ---------- Navigation + logo ---------- */
.nav{color:var(--ink)}
.nav.scrolled{background:rgba(var(--ivory-rgb),.88);border-bottom-color:rgba(var(--gold-rgb),.25)}
.brand{color:var(--navy-2);border-radius:12px}
.nav-links a:not(.btn){color:var(--ink)}
.theme-dark-top .nav .brand{color:#fff}
.theme-dark-top .nav.scrolled{background:rgba(4,13,40,.8);border-bottom-color:rgba(var(--champagne-rgb),.2)}
.theme-dark-top .nav.scrolled .nav-links a:not(.btn){color:var(--on-dark-0)}
.lr-logo{display:inline-flex;align-items:center;gap:13px;color:inherit}
.lr-mark{height:44px;width:auto;overflow:visible;flex:0 0 auto;transition:height .4s var(--ease)}
.lr-mark .lr-l,.lr-mark .lr-r,.lr-mark .lr-leg{fill:currentColor}
.lr-mark>*{transform-box:fill-box}
.lr-core{transition:filter .4s}
.lr-sheen{transform:translateX(0)}
.lr-bar{width:2px;height:40px;background:currentColor;opacity:.85;flex:0 0 auto;transition:height .4s var(--ease)}
.lr-word{display:grid;font:800 18px/1 var(--sans);letter-spacing:.01em;white-space:nowrap}
.lr-word span{font-weight:400;font-size:18.4px;letter-spacing:.016em;margin-top:3px}
.nav.scrolled .lr-mark{height:38px}
.nav.scrolled .lr-bar{height:34px}
.brand:hover .lr-core,.foot-logo:hover .lr-core{filter:brightness(1.18) saturate(1.1)}
@media (prefers-reduced-motion:no-preference){
  .home .nav .lr-l{animation:lrUp 1s var(--ease-out) .1s both}
  .home .nav .lr-r{animation:lrIn 1s var(--ease-out) .25s both}
  .home .nav .lr-leg{animation:lrLeg 1s var(--ease-out) .35s both}
  .home .nav .lr-core{transform-origin:50% 100%;animation:lrCore .9s var(--ease-out) .6s both}
  .home .nav .lr-sheen{animation:sheen 1.4s var(--ease-io) 1.2s both}
  .home .nav .lr-bar{animation:barIn .8s var(--ease-out) .5s both}
  .home .nav .lr-word{animation:wordReveal 1s var(--ease-out) .6s both}
  .brand:hover .lr-sheen,.foot-logo:hover .lr-sheen{animation:sheenHover 1.1s var(--ease-io)}
  .foot-logo.in .lr-sheen{animation:sheen 1.6s var(--ease-io) .5s both}
}
@keyframes lrUp{from{transform:translateY(24%);opacity:0}to{transform:none;opacity:1}}
@keyframes lrIn{from{transform:translateX(14%);opacity:0}to{transform:none;opacity:1}}
@keyframes lrLeg{from{transform:translate(-18%,-18%);opacity:0}to{transform:none;opacity:1}}
@keyframes lrCore{from{transform:scaleY(0)}to{transform:none}}
@keyframes sheen{from{transform:translateX(0)}to{transform:translateX(960px)}}
@keyframes sheenHover{from{transform:translateX(0)}to{transform:translateX(960px)}}
@keyframes barIn{from{transform:scaleY(0)}to{transform:none}}
@keyframes wordReveal{from{clip-path:inset(0 100% 0 0)}to{clip-path:inset(0 0 0 0)}}

/* ---------- Gold ribbon ---------- */
.ribbon{display:block;width:100%;height:100%}
.rb-navy{fill:var(--navy)}
.rb-line{fill:none;stroke:rgba(255,255,255,.75);stroke-width:1.4;vector-effect:non-scaling-stroke}
.rb-sheen{transform:translateX(0)}
@media (prefers-reduced-motion:no-preference){.ribbon.play .rb-sheen{animation:ribbonSheen 9s var(--ease-io) 2.5s infinite}}
@keyframes ribbonSheen{0%{transform:translateX(0)}55%,100%{transform:translateX(2300px)}}

/* ---------- Home: sky ---------- */
.sky{position:fixed;inset:0;z-index:0;pointer-events:none;overflow:hidden}
.sky i{position:absolute;inset:0;display:block}
.scene{opacity:0;transition:opacity 1.8s var(--ease-io)}
.scene.night{opacity:1;background:radial-gradient(80% 60% at 78% 0%,rgba(36,80,179,.38),transparent 70%),linear-gradient(180deg,#030a22 0%,#071a4a 52%,#0e2766 100%)}
.scene.blue{background:radial-gradient(70% 50% at 18% 100%,rgba(200,150,47,.14),transparent 70%),linear-gradient(180deg,#06163f 0%,#10296f 55%,#1d3f94 100%)}
.scene.dawn{background:radial-gradient(90% 55% at 50% 108%,rgba(246,208,134,.9),transparent 70%),linear-gradient(180deg,#0b2160 0%,#243f8c 30%,#61679a 52%,#c49659 78%,#f2cf8a 100%)}
.scene.morning{background:radial-gradient(80% 50% at 50% 112%,rgba(255,228,170,.85),transparent 70%),linear-gradient(180deg,#dde6f7 0%,#f3f1ec 40%,#fbf6ea 72%,#fffdf8 100%)}
.scene.golden{background:radial-gradient(70% 60% at 72% 100%,rgba(236,201,119,.55),transparent 70%),linear-gradient(180deg,#fbeccb 0%,#f9e9c8 40%,#fdf8ee 100%)}
html[data-tone="blue"] .scene.blue,
html[data-tone="dawn"] :is(.scene.blue,.scene.dawn),
html[data-tone="morning"] :is(.scene.blue,.scene.dawn,.scene.morning),
html[data-tone="golden"] .scene{opacity:1}
.stars{opacity:calc(1 - var(--p,0) * 2.4);background:url('../img/tex-stars-1.webp') 0 0/900px 900px repeat}
.stars b{position:absolute;inset:0;background:url('../img/tex-stars-2.webp') 300px 450px/900px 900px repeat;opacity:.6}
.sky .sun{inset:auto auto 0 50%;width:120vmax;height:120vmax;border-radius:50%;
  background:radial-gradient(circle,rgba(255,244,214,.95) 0 4%,rgba(246,208,134,.55) 12%,rgba(220,176,89,.22) 30%,transparent 56%);
  transform:translate3d(-50%,calc(62vmax - var(--p,0) * 46vmax),0);opacity:calc(var(--p,0) * 1.7 - .25);will-change:transform,opacity}
.sky .dust{opacity:clamp(0,calc(var(--p,0) * 2.2 - .7),.85)}
.sky .dust b{position:absolute;left:0;right:0;top:0;height:200%}
.loaded .sky .dust b{background:url('../img/tex-dust.webp') 0 0/700px 700px repeat}
@media (prefers-reduced-motion:no-preference){
  .stars b{animation:twinkle 5.5s ease-in-out infinite alternate}
  .loaded .sky .dust b{animation:dustRise 60s linear infinite}
}
@keyframes twinkle{from{opacity:.15}to{opacity:.85}}
@keyframes dustRise{from{transform:translate3d(0,0,0)}to{transform:translate3d(0,-50%,0)}}
.grain{position:fixed;inset:0;z-index:90;pointer-events:none;background:url('../img/tex-grain.webp') 0 0/220px 220px;opacity:.045;mix-blend-mode:overlay}
.home main,.home .footer{position:relative;z-index:1}
.home main>section{background:transparent}
.home .on-dark{color:#fff}

/* ---------- Home: hero ---------- */
.home .hero{position:relative;margin-top:-76px;min-height:max(700px,100svh);display:flex;align-items:center;padding:calc(76px + clamp(36px,5vw,72px)) 0 clamp(150px,14vw,210px);overflow:hidden}
.home .hero .hero-media{position:absolute;inset:0;aspect-ratio:auto;border-radius:0;background:none;box-shadow:none;overflow:visible;isolation:auto;transform:none}
.home .hero .hero-media::after{display:none}
.hero-bg{position:absolute;inset:0;overflow:hidden;-webkit-mask-image:linear-gradient(180deg,#000 62%,transparent 100%);mask-image:linear-gradient(180deg,#000 62%,transparent 100%)}
.hero-bg>img,.hero-bg>video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:64% 50%}
.hero-bg>video{opacity:0;transition:opacity 1.6s var(--ease-io)}
.hero-bg>video.ready{opacity:1}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,13,40,.9) 0%,rgba(4,13,40,.66) 38%,rgba(4,13,40,.12) 72%),linear-gradient(180deg,rgba(4,13,40,.62) 0%,transparent 26%)}
.hero-float{position:absolute;z-index:2;right:max(var(--gutter),calc((100% - var(--wrap)) / 2));bottom:clamp(150px,13vw,196px);width:min(330px,28vw);display:grid;gap:12px;justify-items:end}
.home .hero .media-tag{position:static;background:rgba(4,13,40,.45);border-color:rgba(var(--champagne-rgb),.4);color:var(--gold-200)}
.home .hero-media .state-check{position:relative;left:auto;right:auto;bottom:auto;width:100%}
.on-dark .state-check{background:rgba(4,13,40,.5);border:1px solid rgba(var(--champagne-rgb),.35);color:#fff;box-shadow:0 30px 60px -30px rgba(0,0,0,.7);backdrop-filter:blur(18px) saturate(1.3);-webkit-backdrop-filter:blur(18px) saturate(1.3)}
.on-dark .state-check label{color:var(--gold-200)}
.on-dark .state-result{color:var(--on-dark-1)}
.on-dark .state-result strong,.on-dark .state-result.ok strong{color:#fff}
.on-dark .state-result.ok{color:#c8f2d8}
.on-dark .state-result.no{color:var(--gold-200)}
.home .hero-copy{position:relative;z-index:2}
.home .hero-copy>.display{font-size:clamp(46px,6.1vw,92px);max-width:9.8em;margin:0 0 22px}
.home .hero-copy .lead{max-width:32em;color:var(--on-dark-1)}
.home .hero .eyebrow{background:rgba(255,255,255,.07);border-color:rgba(var(--champagne-rgb),.35);color:var(--gold-200);box-shadow:none;font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}
.home .hero .eyebrow .pulse{background:var(--gold-300);box-shadow:0 0 0 4px rgba(var(--champagne-rgb),.2)}
.home .hero .checks{color:var(--on-dark-1)}
.home .hero .checks svg{color:var(--gold-300)}
.hero-script{display:flex;align-items:flex-end;gap:8px;margin:0 0 16px;font-size:clamp(28px,2.6vw,38px);transform:rotate(-3deg);transform-origin:0 100%}
.script-heart{width:38px;height:36px;flex:0 0 auto;fill:none;stroke:var(--gold-300);stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;margin-bottom:6px}
.script-heart path{stroke-dasharray:1;stroke-dashoffset:0}
.hero-ribbon{position:absolute;left:0;right:0;bottom:-2px;z-index:1;height:clamp(70px,9vw,140px);pointer-events:none}
.hero-ribbon .rb-navy{display:none}
@media (prefers-reduced-motion:no-preference){
  .home .hero .hero-media{animation:none}
  .hero-bg>img{animation:bgSettle 2.6s var(--ease) backwards}
  .script-ready .home .hero-copy>.hero-script{-webkit-mask-image:linear-gradient(90deg,#000 45%,transparent 55%);mask-image:linear-gradient(90deg,#000 45%,transparent 55%);-webkit-mask-size:260% 100%;mask-size:260% 100%;animation:write 2.2s var(--ease-io) .4s both}
  .script-ready .script-heart path{animation:drawLine 1.2s var(--ease-io) 2.3s both}
  .home .hero h1.display em .w>span{animation:wordUp 1s var(--ease) backwards,goldShift 3.2s ease-in-out 1.6s 1 both;animation-delay:calc(.12s + var(--i)*55ms),1.6s}
}
@keyframes write{from{-webkit-mask-position:100% 0;mask-position:100% 0}to{-webkit-mask-position:0 0;mask-position:0 0}}
@keyframes drawLine{from{stroke-dashoffset:1}to{stroke-dashoffset:0}}
@keyframes goldShift{from{background-position:0 0}to{background-position:100% 0}}

/* ---------- Home: open enrollment + 3D calendar ---------- */
.oe-section{padding-top:clamp(24px,4vw,60px)}
.oe-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:clamp(40px,6vw,96px);align-items:center}
.oe-actions{display:flex;flex-wrap:wrap;align-items:center;gap:14px;margin-top:30px}
.countdown{position:relative;display:inline-flex;align-items:center;gap:10px;margin:0;padding:10px 18px;border-radius:999px;box-shadow:inset 0 0 0 1px rgba(var(--champagne-rgb),.55);font-size:14px;font-weight:700;color:var(--gold-200)}
.countdown::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold-300)}
.countdown::after{content:"";position:absolute;left:18px;top:50%;width:8px;height:8px;margin-top:-4px;border-radius:50%;background:rgba(var(--champagne-rgb),.6);opacity:0}
@media (prefers-reduced-motion:no-preference){.countdown::after{animation:pulseRing 2.2s ease-out infinite}}
@keyframes pulseRing{from{transform:scale(1);opacity:.8}to{transform:scale(3.2);opacity:0}}
.calendar-wrap{display:grid;place-items:center;perspective:1000px;padding-top:24px}
@media (prefers-reduced-motion:no-preference){.calendar-wrap.in .calendar{animation:bob 6s ease-in-out 1.4s infinite}}
@keyframes bob{0%,100%{translate:0 0}50%{translate:0 -10px}}
.calendar{--rx:0deg;--ry:0deg;--gx:50%;--gy:30%;position:relative;width:min(380px,100%);border-radius:28px;background:#fff;color:var(--navy-2);transform:rotateX(var(--rx)) rotateY(var(--ry)) rotate(3deg);transition:transform .7s var(--ease-out);box-shadow:0 60px 100px -50px rgba(0,0,0,.85),0 24px 40px -20px rgba(0,0,0,.4),0 0 0 1px rgba(255,255,255,.5)}
.cal-top{position:relative;height:82px;border-radius:28px 28px 0 0;background:linear-gradient(180deg,#2d5bc4,#16357f);box-shadow:inset 0 -2px 0 rgba(0,0,0,.2)}
.ring{position:absolute;top:-30px;width:24px;height:62px;border-radius:13px;background:linear-gradient(90deg,#8c95a8,#f5f7fb 42%,#c3c9d6 58%,#6f788c);box-shadow:0 6px 10px -4px rgba(0,0,0,.45)}
.ring:first-child{left:22%}.ring:last-child{right:22%}
.cal-sheet{padding:26px 32px 30px}
.cal-sheet p{margin:0}
.cal-kicker{font:800 21px/1 var(--sans);letter-spacing:.02em;text-transform:uppercase;color:var(--navy-2)}
.cal-date{display:flex;align-items:center;gap:18px;margin:8px 0 16px!important}
.cal-day{font:900 150px/.82 var(--serif);font-variant-numeric:lining-nums;background:var(--gold-grad-dark);-webkit-background-clip:text;background-clip:text;color:transparent;padding:0 .04em}
.cal-month{font:800 29px/1.04 var(--serif);text-transform:uppercase;font-variant-numeric:lining-nums;color:var(--navy-2)}
.cal-foot{padding-top:14px;border-top:2px solid var(--gold-400);font:700 13px/1.3 var(--sans);letter-spacing:.03em;text-transform:uppercase;color:var(--navy-2)}
.cal-shine{position:absolute;inset:0;border-radius:inherit;pointer-events:none;background:radial-gradient(60% 50% at var(--gx) var(--gy),rgba(255,255,255,.55),transparent 70%);mix-blend-mode:soft-light}

/* ---------- Home: key figures ---------- */
.home .proof-strip{padding-block:0 clamp(60px,8vw,110px)}
.glass-dark,.home .proof-card{background:rgba(255,255,255,.06);border:1px solid rgba(var(--champagne-rgb),.22);box-shadow:inset 0 1px 0 rgba(255,255,255,.12),0 40px 80px -40px rgba(0,0,0,.6);backdrop-filter:blur(20px) saturate(1.3);-webkit-backdrop-filter:blur(20px) saturate(1.3)}
.home .proof-card{display:block;padding:clamp(18px,2.4vw,30px)}
.home .stats{grid-template-columns:repeat(4,minmax(0,1fr));gap:0}
.home .stat{background:none;border:0;border-radius:0;padding:6px clamp(12px,2vw,26px)}
.home .stat+.stat{box-shadow:-1px 0 0 rgba(var(--champagne-rgb),.28)}
.home .stat dt{color:var(--on-dark-3);font-size:11.5px;font-weight:600;letter-spacing:.12em;text-transform:uppercase}
.home .stat dd{font-size:clamp(44px,4.6vw,68px);font-weight:700;background:var(--gold-grad);background-size:160% 100%;-webkit-background-clip:text;background-clip:text;color:transparent}
.home .stat dd small{color:transparent}

/* ---------- Home: carriers wall ---------- */
.carriers .section-head{margin-bottom:clamp(36px,4vw,56px)}
.carrier-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px;margin:0;padding:0;list-style:none}
.carrier{position:relative;display:grid;place-items:center;width:100%;height:clamp(104px,10vw,132px);padding:18px 24px;border:0;border-radius:22px;background:#fff;cursor:pointer;overflow:hidden;box-shadow:0 1px 0 rgba(255,255,255,.8) inset,0 24px 50px -30px rgba(0,0,0,.7);transition:transform .6s var(--ease-out),box-shadow .5s var(--ease-out)}
.carrier img{max-width:82%;height:auto;max-height:52px;width:auto;transition:transform .6s var(--ease-out)}
.carrier img.tall{max-height:74px}
.carrier img.short{max-height:34px}
.carrier::after{content:"";position:absolute;inset:0;background:linear-gradient(115deg,transparent 30%,rgba(236,201,119,.35) 50%,transparent 70%);transform:translateX(-120%);transition:transform .9s var(--ease-io)}
.carrier:hover,.carrier:focus-visible{transform:translate3d(0,-6px,0);box-shadow:0 0 0 2px var(--gold-400),0 30px 60px -28px rgba(0,0,0,.8),0 0 40px -8px rgba(236,201,119,.55)}
.carrier:hover img{transform:scale(1.06)}
.carrier:hover::after{transform:translateX(120%)}
.carrier[aria-pressed="true"]{box-shadow:0 0 0 3px var(--gold-300),0 30px 60px -28px rgba(0,0,0,.8),0 0 50px -6px rgba(236,201,119,.7)}
.carrier[aria-pressed="true"]::before{content:"✓";position:absolute;top:10px;right:12px;display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:var(--gold-grad);color:var(--navy-950);font-size:12px;font-weight:800}
.carrier-more{background:linear-gradient(160deg,#1a3a8c,#0c2260);color:#fff;align-content:center;gap:4px}
.carrier-more span{font:italic 700 26px/1 var(--serif);color:var(--gold-300)}
.carrier-more small{font-size:12px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;opacity:.85}
.carrier-info{display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:18px;margin-top:22px;padding:18px 20px 18px 24px;border-radius:24px;background:rgba(255,255,255,.06);border:1px solid rgba(var(--champagne-rgb),.22);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px)}
.ci-icon{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:rgba(236,201,119,.14);color:var(--gold-300)}
.ci-icon svg{width:22px;height:22px}
.ci-text{margin:0;font-size:15px;color:var(--on-dark-1);transition:opacity .35s}
.ci-text strong{color:#fff}
.ci-text.swap{opacity:0}
.carriers .fine{margin:18px 0 0;color:var(--on-dark-4)}
.fine.center{text-align:center}

/* ---------- Home: why us (flyer pillars) ---------- */
.pillars{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));margin:0;padding:0;list-style:none}
.pillars li{position:relative;display:grid;justify-items:center;align-content:start;gap:12px;padding:10px clamp(14px,2vw,30px);text-align:center}
.pillars li+li::before{content:"";position:absolute;left:0;top:30px;bottom:30px;width:1.5px;background:linear-gradient(180deg,transparent,var(--gold-400),transparent)}
.pillar-ico{display:grid;place-items:center;width:104px;height:104px;border-radius:50%;margin-bottom:8px;background:radial-gradient(circle at 50% 35%,#fff9ea,#f6e3b8 70%,#efd49a);box-shadow:inset 0 0 0 1px rgba(220,176,89,.45),0 18px 36px -18px rgba(0,0,0,.6);color:var(--navy-2);transition:transform .6s var(--ease-out),box-shadow .5s}
.pillar-ico svg{width:44px;height:44px;stroke-width:1.7}
.pillars li:hover .pillar-ico{transform:translateY(-6px) rotate(-4deg);box-shadow:inset 0 0 0 2px var(--gold-400),0 26px 44px -18px rgba(0,0,0,.7)}
.pillars h3{font:800 14.5px/1.35 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:#fff}
.pillars p{margin:0;font-size:15px;color:var(--on-dark-2);max-width:17em}
.home .promise{margin-top:clamp(44px,5vw,70px);background:rgba(255,255,255,.06);border:1px solid rgba(var(--champagne-rgb),.3);color:#fff;box-shadow:inset 0 1px 0 rgba(255,255,255,.12),0 40px 80px -40px rgba(0,0,0,.6);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px)}
.promise .big{font-style:italic;font-weight:700;background:var(--gold-grad);-webkit-background-clip:text;background-clip:text;color:transparent;padding-right:.08em}
.home .promise p{color:var(--on-dark-2)}

/* ---------- Home: map + planner on the night sky ---------- */
.home .map-section{overflow:visible}
.home .tilemap-wrap{padding:clamp(18px,2.4vw,30px);border-radius:28px;background:rgba(255,255,255,.05);border:1px solid rgba(var(--champagne-rgb),.2);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px)}
.tile.on{box-shadow:0 10px 24px rgba(var(--gold-rgb),.35),inset 0 1px 0 rgba(255,255,255,.4)}
.map-legend i.on{background:linear-gradient(160deg,var(--hl-1),var(--hl-2))}
.planner .planner-copy .lead{color:var(--on-dark-2)}
.on-dark .prep-list b{background:transparent;border-color:rgba(var(--champagne-rgb),.55);color:var(--gold-300)}
.on-dark .prep-list strong{color:#fff}
.on-dark .prep-list span{color:var(--on-dark-3)}
.wizard{border-color:rgba(var(--gold-rgb),.3);box-shadow:0 50px 100px -50px rgba(0,0,0,.8)}
.wizard-bar i{background:var(--gold-grad)}
.option:hover{border-color:var(--gold-500);box-shadow:0 8px 24px rgba(var(--gold-rgb),.16)}
.option[aria-pressed="true"]{border-color:var(--gold-500);background:var(--gold-100)}
.option[aria-pressed="true"]::before{border-color:var(--gold-500);background:var(--gold-500)}
.summary-badge{background:var(--gold-100);color:var(--gold-800)}
.w-note svg{color:var(--gold-500)}

/* ---------- Home: steps at dawn ---------- */
.home .steps{overflow:visible}
.home .steps::before{display:none}
.home .step-grid{padding-top:0;align-items:end}
.home .step-line{display:block;position:absolute;left:-4vw;right:-4vw;top:52px;height:1px;border-radius:0;background:linear-gradient(90deg,transparent,rgba(246,224,164,.75) 20%,rgba(246,224,164,.75) 80%,transparent)}
.home .step-line i{display:block;height:100%;background:linear-gradient(90deg,transparent,#fff6de 30%,#fff6de 70%,transparent);transform-origin:0 50%;transform:scaleX(var(--p,1))}
.home .step-card{margin-top:52px;padding:0 28px 30px;border-radius:26px;background:rgba(7,26,74,.5);border:1px solid rgba(var(--champagne-rgb),.22);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px)}
.home .step-card::before{display:none}
.orb{display:block;width:64px;height:64px;border-radius:50%;margin:-32px 0 14px;background:radial-gradient(circle at 50% 35%,#fff6de,#f1d086 45%,#c8962f 100%);box-shadow:0 0 40px 8px rgba(236,201,119,.45);transition:box-shadow .8s var(--ease)}
.o1{transform:translateY(22px) scale(.82)}
.o2{transform:translateY(8px) scale(.92)}
.step-card.lit .orb{box-shadow:0 0 60px 16px rgba(236,201,119,.65)}
.home .step-num{font:700 13px/1 var(--sans);letter-spacing:.2em;color:var(--gold-200);margin-bottom:10px}
.home .step-card h3{font-family:var(--serif);font-size:clamp(23px,2vw,27px);font-weight:700;letter-spacing:-.01em}
.home .step-card p{color:var(--on-dark-1)}
.home .step-time{background:rgba(var(--champagne-rgb),.16);color:var(--gold-200)}
.home .steps-cta{background:rgba(7,26,74,.55);border-color:rgba(var(--champagne-rgb),.28);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px)}
.home .steps .lead{color:var(--on-dark-1)}

/* ---------- Light sections (morning / golden) ---------- */
.home .explainer-controls{background:rgba(255,255,255,.74);border:1px solid rgba(var(--gold-rgb),.35);box-shadow:0 40px 80px -40px rgba(120,80,20,.3);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px)}
.explainer-output{border:1px solid rgba(var(--champagne-rgb),.3)}
.tier-switch button[aria-selected="true"]{box-shadow:inset 0 0 0 1.5px var(--gold-400),var(--shadow-sm)}
.phases li.active::before{background:var(--gold-500);color:var(--navy-950)}
.split-bar{background:var(--gold-300)}
.split-bar i{background:linear-gradient(90deg,#2450b3,#7d9be0)}
.sit-tab[aria-selected="true"]{border-color:var(--gold-500);box-shadow:0 0 0 3px rgba(var(--gold-rgb),.16)}
.sit-type{color:var(--gold-800)}
.sit-panel{background:linear-gradient(160deg,#fff 0%,var(--gold-100) 100%);border-color:rgba(var(--gold-rgb),.3)}
.home .sit-tab{background:rgba(255,255,255,.8);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px)}
.sit-points li::before,.summary-box li::before{background:var(--gold-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238f6116' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat}
.icon{background:linear-gradient(160deg,#fff 0%,var(--gold-100) 100%);box-shadow:inset 0 0 0 1px rgba(var(--gold-rgb),.25),0 8px 18px rgba(var(--gold-rgb),.14);color:var(--navy-2)}

/* Founders */
.home .founders-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(40px,6vw,90px);align-items:center}
.home .founders-photo{position:relative;min-height:0;margin:0 16px 16px 0;background:none}
.home .founders-photo::before{content:"";position:absolute;inset:16px -16px -16px 16px;border:1.5px solid var(--gold-400);border-radius:30px}
.home .founders-photo img{position:relative;inset:auto;display:block;width:100%;height:auto;aspect-ratio:6/5;object-fit:cover;object-position:50% 30%;border-radius:30px;box-shadow:0 40px 80px -40px rgba(16,41,111,.5)}
.home .founders-photo figcaption{left:24px;bottom:-26px;padding:10px 22px 14px;border-radius:999px;background:var(--ivory);box-shadow:0 18px 40px -18px rgba(16,41,111,.4),inset 0 0 0 1px rgba(220,176,89,.5);transform:rotate(-3deg)}
.home .founders-photo figcaption .script{font-size:34px}
.home .founders-copy{padding:0}
.values svg{flex:none;width:26px;height:26px;padding:5px;margin-top:0;border-radius:50%;background:var(--gold-grad);color:var(--navy-950);stroke-width:2.6}
.values li{grid-template-columns:26px 1fr;align-items:start}
.values strong{color:var(--navy-2)}

/* Comparison, cards, FAQ */
.compare-wrap{border-color:rgba(var(--gold-rgb),.35)}
.compare thead th.us{background:var(--navy-2);color:var(--gold-200)}
.compare td.us{background:rgba(var(--gold-rgb),.08)}
.more-card{border-radius:30px}
.more-card::after{content:"";position:absolute;inset:0;border-radius:inherit;box-shadow:inset 0 0 0 1px rgba(236,201,119,.35);pointer-events:none}
.more-card .tag{background:rgba(4,13,40,.4);border-color:rgba(var(--champagne-rgb),.55);color:var(--gold-200)}
.more-card .link-arrow{color:var(--gold-300)}
.faq-item.open .faq-q i{background:var(--navy-2);border-color:var(--navy-2)}
.faq-q i{border-color:rgba(var(--gold-rgb),.5)}
.faq-aside .contact-card{border-color:rgba(var(--gold-rgb),.35);background:rgba(255,255,255,.8)}
.home .compare-wrap,.home .faq-list{background:rgba(255,255,255,.55)}
.home .faq-list{border-radius:24px;padding:0 24px;border:1px solid rgba(var(--gold-rgb),.3)}
.home .faq-item:last-child{border-bottom:0}

/* ---------- WhatsApp band (flyer) ---------- */
.home .wa-band{padding-block:clamp(10px,2vw,30px) clamp(50px,6vw,80px)}
.wa-card{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);align-items:center;gap:clamp(20px,4vw,48px);padding:clamp(20px,3vw,34px);border-radius:30px;background:rgba(255,255,255,.82);box-shadow:inset 0 0 0 1.5px var(--gold-400),0 40px 80px -40px rgba(120,80,20,.4);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px)}
.wa-pill{display:flex;align-items:center;gap:18px;padding:10px 34px 10px 10px;border-radius:999px;background:var(--gold-grad);background-size:200% 100%;color:var(--navy-950);box-shadow:inset 0 1px 0 rgba(255,255,255,.6),0 20px 40px -18px rgba(143,97,22,.8);transition:transform .5s var(--ease-out),background-position .9s var(--ease-out)}
.wa-pill:hover{transform:translate3d(0,-3px,0);background-position:100% 0}
.wa-ico{display:grid;place-items:center;flex:0 0 auto;width:78px;height:78px;border-radius:50%;background:radial-gradient(circle at 40% 30%,#1a3a8c,#071a4a);box-shadow:0 0 0 4px rgba(255,255,255,.7);color:#fff}
.wa-ico svg{width:40px;height:40px}
.wa-txt{display:grid;gap:2px}
.wa-txt small{font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
.wa-txt b{font:800 clamp(26px,3vw,40px)/1 var(--sans);letter-spacing:.01em;white-space:nowrap}
.wa-side{display:grid;gap:14px}
.wa-chip{display:inline-flex;align-items:center;gap:14px;font-weight:700;color:var(--navy-2)}
.wa-chip span{display:grid;place-items:center;flex:0 0 auto;width:52px;height:52px;border-radius:50%;background:linear-gradient(160deg,#1a3a8c,#071a4a);color:#fff;transition:transform .5s var(--ease-out)}
.wa-chip span svg{width:22px;height:22px}
.wa-chip:hover span{transform:rotate(-8deg) scale(1.06)}
.wa-note{margin:0;font-size:15.5px;color:var(--muted)}
.wa-note strong{color:var(--navy-2)}

/* ---------- Final ---------- */
.final-stage{position:relative;overflow:hidden;isolation:isolate;border-radius:34px;min-height:600px;display:grid;align-items:end;padding:clamp(16px,3vw,40px);box-shadow:0 50px 100px -50px rgba(16,41,111,.5)}
.final-stage>img{position:absolute;left:0;top:-8%;z-index:-1;width:100%;height:116%;object-fit:cover;translate:0 var(--py,0px)}
.final-stage::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(255,236,200,.05),rgba(246,208,134,.28))}
.final-copy{display:grid;gap:16px;justify-items:start;max-width:640px;padding:clamp(28px,3.6vw,48px);border-radius:26px;background:rgba(255,253,248,.82);box-shadow:inset 0 1px 0 #fff,inset 0 0 0 1px rgba(220,176,89,.5),0 40px 80px -40px rgba(120,80,20,.4);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px)}
.final-copy p{margin:0;color:var(--muted)}
.final-copy .script{margin-bottom:-6px}
.final-copy .final-actions{display:flex;flex-wrap:wrap;gap:12px}

/* ---------- Footer ---------- */
.footer{background:transparent;padding:0;color:var(--on-dark-3)}
.foot-ribbon{height:clamp(80px,10vw,150px);margin-bottom:-2px}
.foot-main{background:linear-gradient(180deg,var(--navy) 0%,#0a1f5c 50%,#071a4a 100%);padding:clamp(18px,3vw,36px) 0 32px}
.foot-brand-row{display:grid;justify-items:center;gap:18px;text-align:center;padding-bottom:clamp(36px,5vw,56px);margin-bottom:clamp(36px,5vw,56px);border-bottom:1px solid rgba(var(--champagne-rgb),.2)}
.foot-logo{display:grid;justify-items:center;gap:14px;color:#fff;border-radius:12px}
.foot-logo .lr-mark{height:clamp(62px,7vw,88px)}
.foot-logo .lr-bar{height:clamp(58px,6.6vw,82px)}
.foot-logo .lr-word{font-size:clamp(25px,2.7vw,33px)}
.foot-logo .lr-word span{font-size:clamp(25.6px,2.76vw,33.8px)}
.lr-tagline{font:700 clamp(10.5px,1vw,13px)/1 var(--sans);letter-spacing:.24em;text-transform:uppercase;color:var(--gold-200)}
.lr-tagline i{font-style:normal;color:var(--gold-400);margin:0 .4em}
.foot-motto{margin:0;font:500 clamp(12px,1.15vw,15px)/1.5 var(--sans);letter-spacing:.3em;text-transform:uppercase;color:#fff}
.footer h2{color:var(--gold-200)}
.foot-contact p{margin:0 0 12px}
.foot-wa,.foot-cal{display:inline-flex;align-items:center;gap:10px;font-weight:700;color:#fff}
.foot-wa svg{width:20px;height:20px;color:#5fd08d}
.foot-cal svg{width:19px;height:19px;color:var(--gold-300)}
.foot-states{border-top-color:rgba(var(--champagne-rgb),.18)}
.foot-legal{border-top-color:rgba(var(--champagne-rgb),.18)}

/* ---------- Dock, WhatsApp float, calendar dialog ---------- */
.dock{background:rgba(255,253,248,.95);border-top-color:rgba(var(--gold-rgb),.3)}
.wa-bubble{border-color:rgba(var(--gold-rgb),.4)}
.cal-head{background:linear-gradient(90deg,var(--navy-950),#0b2160);color:#fff;border-bottom-color:rgba(var(--champagne-rgb),.3)}
.cal-head span{color:var(--on-dark-2)}
.cal-open{color:var(--gold-300)}
.cal-open:hover{background:rgba(255,255,255,.08)}
.cal-close{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.25);color:#fff}
.cal-who img{box-shadow:0 0 0 3px var(--navy-950),0 0 0 4px var(--gold-400)}

/* ---------- Inner pages: navy night hero with a gold ribbon ---------- */
.page-hero{background:url('../img/tex-stars-1.webp') 0 0/900px 900px,linear-gradient(180deg,#030a22 0%,#071a4a 55%,#0e2766 100%);padding-bottom:clamp(110px,12vw,170px)}
.page-hero::after{content:"";position:absolute;left:0;right:0;bottom:-1px;z-index:0;height:clamp(56px,8vw,118px);pointer-events:none;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 170' preserveAspectRatio='none'%3E%3Cdefs%3E%3ClinearGradient id='g' x1='0' y1='0' x2='1' y2='0'%3E%3Cstop offset='0' stop-color='%238a5a14'/%3E%3Cstop offset='.22' stop-color='%23d9a748'/%3E%3Cstop offset='.42' stop-color='%23f7e0a0'/%3E%3Cstop offset='.6' stop-color='%23c8912e'/%3E%3Cstop offset='.82' stop-color='%23f1d086'/%3E%3Cstop offset='1' stop-color='%239a661a'/%3E%3C/linearGradient%3E%3C/defs%3E%3Cpath d='M0 92C280 30 560 50 820 78C1080 106 1270 60 1440 0V30C1260 86 1080 126 820 100C560 74 300 64 0 122Z' fill='url(%23g)'/%3E%3Cpath d='M0 128C300 70 560 80 820 106C1080 132 1260 94 1440 40' fill='none' stroke='white' stroke-opacity='.75' stroke-width='1.4'/%3E%3C/svg%3E") bottom/100% 100% no-repeat}
.page-hero .wrap{position:relative;z-index:1}
.state-code{color:var(--navy-2)}
.legal a,.article-body a,.fact a{color:var(--navy-3)}
.glossary-index a:hover,.state-chips a:hover{border-color:var(--gold-500)}

/* ---------- Motion (reduced motion hides the video and freezes decoration) ---------- */
@media (prefers-reduced-motion:reduce){
  .hero-bg>video{display:none}
}

/* ---------- Responsive ---------- */
@media (max-width:1080px){
  .carrier-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
}
@media (max-width:960px){
  .oe-grid,.home .founders-grid{grid-template-columns:minmax(0,1fr)}
  .calendar-wrap{padding-top:36px}
  .home .step-line{display:none}
  .home .step-card{margin-top:44px}
  .o1,.o2{transform:none}
  .pillars{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:34px}
  .pillars li:nth-child(3)::before{display:none}
  .wa-card{grid-template-columns:minmax(0,1fr)}
  .hero-float{width:300px}
}
@media (max-width:720px){
  .lr-mark{height:36px}
  .lr-bar{height:32px}
  .lr-word{font-size:14.5px}
  .lr-word span{font-size:14.8px;margin-top:2px}
  .lr-logo{gap:10px}
  .nav.scrolled .lr-mark{height:32px}
  .nav.scrolled .lr-bar{height:28px}
  .home .hero{margin-top:-64px;min-height:0;align-items:flex-end;padding:calc(64px + 26px) 0 118px}
  .hero-bg>img,.hero-bg>video{object-position:70% 50%}
  .hero-bg::after{background:linear-gradient(180deg,rgba(4,13,40,.45) 0%,rgba(4,13,40,.25) 18%,rgba(4,13,40,.82) 46%,rgba(4,13,40,.94) 100%)}
  .hero-float{display:none}
  .home .hero-copy>.display{font-size:clamp(38px,10.6vw,48px);margin-bottom:16px}
  .home .hero .eyebrow{font-size:10.5px;letter-spacing:.1em}
  .hero-script{font-size:24px;margin-bottom:12px}
  .script-heart{width:26px;height:25px;margin-bottom:3px}
  .home .stats{grid-template-columns:repeat(2,minmax(0,1fr));row-gap:18px}
  .home .stat:nth-child(3){box-shadow:none}
  .carrier-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
  .carrier{height:78px;padding:10px;border-radius:16px}
  .carrier img{max-width:88%;max-height:30px}
  .carrier img.tall{max-height:48px}
  .carrier img.short{max-height:20px}
  .carrier-more span{font-size:20px}
  .carrier-more small{font-size:9.5px;letter-spacing:.08em}
  .carrier[aria-pressed="true"]::before{top:5px;right:6px;width:18px;height:18px;font-size:10px}
  .carrier-info{grid-template-columns:auto minmax(0,1fr);align-items:start}
  .carrier-info .btn{grid-column:1/-1}
  .cal-day{font-size:118px}
  .cal-month{font-size:23px}
  .cal-sheet{padding:22px 24px 24px}
  .pillar-ico{width:84px;height:84px}
  .pillar-ico svg{width:36px;height:36px}
  .pillars p{font-size:14px}
  .home .founders-photo figcaption{left:12px}
  .home .founders-photo figcaption .script{font-size:28px}
  .wa-pill{padding-right:22px;gap:12px}
  .wa-ico{width:60px;height:60px}
  .wa-ico svg{width:30px;height:30px}
  .final-stage{min-height:0;padding:12px;padding-top:220px}
  .final-copy .final-actions .btn{flex:1 1 auto}
  .home .faq-list{padding:0 16px}
  .page-hero{padding-bottom:96px}
}
@media (max-width:400px){
  .lr-word{font-size:13px}
  .lr-word span{font-size:13.3px}
}

/* ---------- V16 refinements after first review ---------- */
.home{--section:clamp(56px,7vw,96px)}
.section-head.center{gap:18px}
.kicker::before{background:var(--gold-500)}
.on-dark .kicker::before,.page-hero .kicker::before{background:var(--gold-300)}
.wizard{color:var(--ink)}
/* Decorative textures load after the page so they never compete with the headline and hero image. */
.stars,.stars b,.grain{background-image:none}
.loaded .stars{background-image:url('../img/tex-stars-1.webp')}
.loaded .stars b{background-image:url('../img/tex-stars-2.webp')}
.loaded .grain{background-image:url('../img/tex-grain.webp')}
/* The handwriting font is decorative: site.js loads it after the page and then reveals the script lines. */
.script{opacity:0;transition:opacity .6s var(--ease)}
.script-ready .script{opacity:1}

/* =========================================================
   V16 · Medicare Advantage page
   ========================================================= */
.night-band{background:url('../img/tex-stars-1.webp') 0 0/900px 900px,radial-gradient(80% 60% at 80% 0%,rgba(36,80,179,.35),transparent 70%),linear-gradient(180deg,#071a4a 0%,#0e2766 100%);color:#fff}
.tpmo-hero{max-width:640px;margin:22px 0 0;padding:12px 16px;border-radius:14px;background:rgba(4,13,40,.55);border:1px solid rgba(var(--champagne-rgb),.3);font-size:13px;line-height:1.5;color:var(--on-dark-1)}
.key-dates{display:grid;gap:10px;margin:30px 0 0}
.key-dates div{display:grid;grid-template-columns:150px 1fr;gap:14px;padding:12px 0;border-top:1px solid rgba(var(--champagne-rgb),.2)}
.key-dates dt{font-weight:800;color:var(--gold-300);font-size:14px}
.key-dates dd{margin:0;color:var(--on-dark-2);font-size:15px}
.benefit-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin:0 0 22px;padding:0;list-style:none}
.benefit-grid li{display:grid;grid-template-columns:auto 1fr;grid-template-rows:auto auto;column-gap:18px;align-items:center;padding:22px;border-radius:22px;background:#fff;border:1px solid rgba(var(--gold-rgb),.28);box-shadow:var(--shadow-sm);transition:transform .5s var(--ease-out),box-shadow .5s var(--ease-out)}
.benefit-grid li:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.benefit-grid .pillar-ico{grid-row:1/3;width:72px;height:72px;margin:0}
.benefit-grid .pillar-ico svg{width:32px;height:32px}
.benefit-grid h3{font:800 15px/1.3 var(--sans);letter-spacing:.04em;text-transform:uppercase;color:var(--navy-2)}
.benefit-grid p{margin:2px 0 0;font-size:14.5px;color:var(--muted)}
.night-band .carrier-grid.five,.carrier-grid.five{grid-template-columns:repeat(5,minmax(0,1fr))}
.also-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.medicare-legal{margin-top:22px;padding:22px 24px;border-radius:20px;background:#fff;border:1px solid rgba(var(--gold-rgb),.3);font-size:13.5px;line-height:1.6;color:var(--muted)}
.medicare-legal p{margin:0 0 8px}
.medicare-legal p:last-child{margin:0}
.medicare-legal strong{color:var(--navy-2)}
.foot-tpmo{color:var(--on-dark-3)}
.foot-tpmo strong{color:#fff}
@media (max-width:960px){
  .benefit-grid,.also-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .carrier-grid.five{grid-template-columns:repeat(3,minmax(0,1fr))}
}
@media (max-width:720px){
  .benefit-grid,.also-grid{grid-template-columns:minmax(0,1fr)}
  .key-dates div{grid-template-columns:1fr;gap:4px}
}
.oe-medicare{display:inline-flex;flex-wrap:wrap;align-items:center;gap:6px 10px;margin-top:22px;padding:10px 18px;border-radius:999px;background:rgba(255,255,255,.07);border:1px solid rgba(var(--champagne-rgb),.35);color:var(--on-dark-1);font-size:14px;font-weight:600;transition:border-color .3s,background-color .3s}
.oe-medicare span{color:var(--gold-300);font-weight:800}
.oe-medicare::after{content:"→";color:var(--gold-300);transition:transform .3s var(--ease)}
.oe-medicare:hover{border-color:var(--gold-300);background:rgba(255,255,255,.12)}
.oe-medicare:hover::after{transform:translateX(4px)}
@media (max-width:720px){.oe-medicare{border-radius:18px}}
.legal .btn{text-decoration:none}.thanks h1{margin-bottom:18px}.thanks .hero-actions{margin-top:32px}