:root{
  --ink:#10233F;
  --ink-2:#1B3559;
  --ink-3:#0B1A30;
  --stone:#F3F5F4;
  --stone-2:#E6EAE8;
  --mist:#C7D0D3;
  --brass:#C9A96A;
  --brass-2:#E0C58A;
  --verdigris:#2E6B5E;
  --text:#1C2B3A;
  --muted:#5F6F7E;
  --display:"Fraunces",Georgia,serif;
  --sans:"Figtree",system-ui,-apple-system,sans-serif;
  --max:1120px;
  --gutter:clamp(18px,4vw,48px);
  --radius:14px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--stone);color:var(--text);font-family:var(--sans);font-size:17px;line-height:1.55;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:var(--display);font-weight:500;line-height:1.08;margin:0;letter-spacing:-.015em}
h1{font-size:clamp(38px,5.6vw,68px);font-variation-settings:"opsz" 144}
h2{font-size:clamp(30px,4vw,46px);font-variation-settings:"opsz" 96}
h3{font-size:21px;font-variation-settings:"opsz" 48}
p{margin:0}
a{color:inherit}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}

/* buttons */
.btn{display:inline-block;padding:13px 22px;border-radius:999px;font-weight:600;font-size:15px;text-decoration:none;transition:background .18s,color .18s,transform .18s,box-shadow .18s;white-space:nowrap}
.btn-lg{padding:17px 30px;font-size:17px}
.btn:focus-visible,a:focus-visible,input:focus-visible{outline:3px solid var(--brass);outline-offset:3px}
.btn-brass{background:var(--brass);color:var(--ink)}
.btn-brass:hover{background:var(--brass-2);transform:translateY(-1px)}
.btn-ghost{color:var(--stone);border:1px solid rgba(243,245,244,.3)}
.btn-ghost:hover{border-color:rgba(243,245,244,.8)}
.btn-ink{background:var(--ink);color:var(--stone)}
.btn-ink:hover{background:var(--ink-2)}

/* header */
.site-header{position:absolute;inset:0 0 auto 0;z-index:5;padding:22px 0}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--stone)}
.brand svg{width:32px;height:32px}
.brand span{font-family:var(--display);font-size:21px;font-weight:500}

/* hero */
.hero{position:relative;background:var(--ink);color:var(--stone);padding:140px 0 80px;overflow:hidden}
.hero-glow{position:absolute;right:-10%;top:-20%;width:60vw;height:60vw;max-width:900px;max-height:900px;border-radius:50%;background:radial-gradient(circle,rgba(201,169,106,.16),rgba(201,169,106,0) 60%);pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:center}
.hero h1 span{display:block;color:var(--brass-2)}
.hero p{font-size:clamp(17px,1.5vw,20px);color:rgba(243,245,244,.78);max-width:30em;margin:22px 0 32px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}

.hero-chart{margin:0;background:linear-gradient(180deg,rgba(255,255,255,.06),rgba(255,255,255,.02));border:1px solid rgba(243,245,244,.12);border-radius:var(--radius);padding:26px 26px 18px;backdrop-filter:blur(6px)}
.hero-stat-label{font-size:14px;color:rgba(243,245,244,.6);margin-bottom:6px}
.hero-stat-value{font-family:var(--display);font-size:clamp(36px,4.2vw,54px);line-height:1;color:#fff;font-variation-settings:"opsz" 96;letter-spacing:-.02em}
.hero-stat-sub{font-size:14px;color:rgba(243,245,244,.6);margin-top:8px}
.hero-stat-sub span{color:var(--brass-2);font-weight:600}
#heroSvg{display:block;width:100%;height:auto;margin-top:18px}
.hero-chart figcaption{font-size:12px;color:rgba(243,245,244,.45);margin-top:10px}

/* calculator */
.calc{padding:100px 0 60px}
.calc-head{text-align:center;max-width:30em;margin:0 auto 40px}
.calc-head p{color:var(--muted);font-size:18px;margin-top:12px}
.calc-card{display:grid;grid-template-columns:.9fr 1.1fr;gap:0;background:#fff;border-radius:var(--radius);box-shadow:0 30px 60px -30px rgba(16,35,63,.35),0 1px 0 var(--stone-2);overflow:hidden}
.calc-controls{padding:40px 36px;border-right:1px solid var(--stone-2);display:flex;flex-direction:column;gap:30px;justify-content:center}
.ctrl{display:block}
.ctrl-row{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px;font-size:15px;color:var(--muted)}
.ctrl-row output{font-family:var(--display);font-size:24px;color:var(--ink);font-variation-settings:"opsz" 48}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:4px;border-radius:2px;background:var(--stone-2);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--ink);border:3px solid #fff;box-shadow:0 2px 8px rgba(16,35,63,.3);cursor:pointer}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--ink);border:3px solid #fff;box-shadow:0 2px 8px rgba(16,35,63,.3);cursor:pointer}
input[type=range]:focus-visible{outline-offset:8px}

.calc-result{padding:40px 36px;background:linear-gradient(180deg,#fff,var(--stone))}
.result-label{font-size:14px;color:var(--muted)}
.result-value{font-family:var(--display);font-size:clamp(40px,4.6vw,60px);line-height:1;color:var(--ink);font-variation-settings:"opsz" 144;letter-spacing:-.02em;margin:6px 0 18px}
.result-split{display:flex;gap:28px;flex-wrap:wrap;font-size:14px;color:var(--muted);margin-bottom:14px}
.result-split div{display:flex;align-items:center;gap:8px}
.result-split strong{color:var(--ink);font-weight:600}
.dot{width:10px;height:10px;border-radius:50%;display:inline-block}
.dot-invested{background:var(--mist)}
.dot-gain{background:var(--brass)}
#calcSvg{display:block;width:100%;height:auto}
#calcCta{margin-top:22px}
.fineprint{text-align:center;font-size:13px;color:var(--muted);margin-top:18px}

/* pillars → tiles */
.pillars{padding:40px 0 110px}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.pillar{position:relative;background:#fff;border:1px solid var(--stone-2);border-radius:var(--radius);padding:34px 30px 36px;color:var(--ink);overflow:hidden;transition:transform .35s cubic-bezier(.2,.7,.2,1),box-shadow .35s,border-color .35s}
.pillar::before{content:"";position:absolute;inset:0 0 auto 0;height:3px;background:linear-gradient(90deg,var(--brass),var(--brass-2));transform:scaleX(0);transform-origin:left;transition:transform .45s cubic-bezier(.2,.7,.2,1)}
.pillar::after{content:"";position:absolute;right:-60px;bottom:-60px;width:180px;height:180px;border-radius:50%;background:radial-gradient(circle,rgba(201,169,106,.18),rgba(201,169,106,0) 70%);opacity:0;transition:opacity .45s}
.pillar:hover{transform:translateY(-6px);box-shadow:0 30px 50px -28px rgba(16,35,63,.35);border-color:transparent}
.pillar:hover::before{transform:scaleX(1)}
.pillar:hover::after{opacity:1}
.pillar .icon{width:52px;height:52px;border-radius:14px;background:var(--stone);display:grid;place-items:center;margin-bottom:22px;transition:background .35s,color .35s}
.pillar .icon svg{width:30px;height:30px;color:var(--verdigris);transition:color .35s}
.pillar:hover .icon{background:var(--ink)}
.pillar:hover .icon svg{color:var(--brass-2)}
.pillar h3{margin-bottom:10px;position:relative}
.pillar p{color:var(--muted);font-size:15.5px;position:relative}
@media(max-width:900px){.tiles{grid-template-columns:1fr}.pillar{padding:28px 24px 30px}}
@media(prefers-reduced-motion:reduce){.pillar,.pillar::before,.pillar::after,.pillar .icon,.pillar .icon svg{transition:none}.pillar:hover{transform:none}}

/* start / lead form */
.cta{background:var(--ink);color:var(--stone);padding:100px 0;position:relative;overflow:hidden}
.cta::before{content:"";position:absolute;left:50%;top:0;width:120%;height:1px;transform:translateX(-50%);background:linear-gradient(90deg,transparent,var(--brass),transparent)}
.start-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:64px;align-items:start}
.start-copy h2{color:#fff}
.start-copy p{color:rgba(243,245,244,.72);font-size:18px;margin-top:18px;max-width:26em}
.start-alt{font-size:15px!important;color:rgba(243,245,244,.55)!important;margin-top:34px!important;line-height:1.7}
.start-alt a{color:var(--brass-2);text-decoration:none;border-bottom:1px solid rgba(224,197,138,.4)}

.lead{background:#fff;color:var(--text);border-radius:var(--radius);padding:34px 32px;display:grid;gap:20px;box-shadow:0 40px 80px -40px rgba(0,0,0,.6)}
.field label,.field legend{display:block;font-size:14px;font-weight:600;color:var(--ink);margin-bottom:8px}
.field label span{font-weight:400;color:var(--muted)}
.field input[type=text],.field input[type=tel],.field input[type=email]{width:100%;font:inherit;font-size:16px;padding:13px 14px;border:1px solid var(--mist);border-radius:8px;background:#fff;color:var(--text);transition:border-color .15s,box-shadow .15s}
.field input:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px rgba(16,35,63,.12)}
.field input.invalid{border-color:#B4453A}
fieldset.field{border:0;padding:0;margin:0}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips legend{width:100%}
.chips label{margin:0;position:relative}
.chips input{position:absolute;opacity:0;width:0;height:0}
.chips span{display:inline-block;padding:9px 14px;border:1px solid var(--mist);border-radius:999px;font-size:14px;font-weight:500;color:var(--text);cursor:pointer;transition:background .15s,border-color .15s,color .15s}
.chips input:checked+span{background:var(--ink);border-color:var(--ink);color:#fff}
.chips input:focus-visible+span{outline:3px solid var(--brass);outline-offset:2px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.lead .btn{width:100%;text-align:center;border:0;cursor:pointer;font-family:inherit}
.lead .btn[disabled]{opacity:.6;cursor:default}
.form-note{font-size:14px;color:var(--muted);min-height:1.4em;text-align:center}
.form-note.ok{color:var(--verdigris);font-weight:600}
.form-note.err{color:#B4453A}
.lead.sent{display:block;text-align:center;padding:44px 36px 40px}
.lead.sent h3{font-size:26px;margin:18px 0 10px;color:var(--ink)}
.sent-proj{color:var(--muted);font-size:16px;line-height:1.6}
.sent-proj strong{color:var(--ink);font-family:var(--display);font-size:22px;font-weight:500}
.check{width:72px;height:72px;display:block;margin:0 auto}
.check circle{fill:none;stroke:var(--brass);stroke-width:2.5;stroke-dasharray:230;stroke-dashoffset:230;animation:ck-draw .7s cubic-bezier(.4,0,.2,1) forwards}
.check path{fill:none;stroke:var(--ink);stroke-width:4;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:50;stroke-dashoffset:50;animation:ck-draw .45s cubic-bezier(.4,0,.2,1) .55s forwards}
@keyframes ck-draw{to{stroke-dashoffset:0}}
.next{list-style:none;margin:28px 0 0;padding:0;text-align:left;position:relative}
.next::before{content:"";position:absolute;left:9px;top:12px;bottom:12px;width:2px;background:var(--stone-2)}
.next li{position:relative;padding:0 0 18px 34px;opacity:0;transform:translateY(6px);animation:li-in .45s ease forwards}
.next li:nth-child(1){animation-delay:.9s}.next li:nth-child(2){animation-delay:1.05s}.next li:nth-child(3){animation-delay:1.2s}.next li:nth-child(4){animation-delay:1.35s}
.next li:last-child{padding-bottom:0}
.next li::before{content:"";position:absolute;left:3px;top:4px;width:14px;height:14px;border-radius:50%;background:#fff;border:2px solid var(--mist);box-sizing:border-box}
.next li.done::before{background:var(--brass);border-color:var(--brass)}
.next li.done::after{content:"";position:absolute;left:7px;top:7px;width:4px;height:7px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg)}
.next b{display:block;font-weight:600;color:var(--ink);font-size:14px}
.next span{color:var(--muted);font-size:14.5px}
@keyframes li-in{to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){.check circle,.check path{animation:none;stroke-dashoffset:0}.next li{animation:none;opacity:1;transform:none}}

/* footer */
.site-footer{padding:28px 0;font-size:13px;color:var(--muted)}
.site-footer .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}

/* responsive — tablet */
@media(max-width:900px){
  .hero{padding:112px 0 56px}
  .hero-grid{grid-template-columns:1fr;gap:32px}
  .calc-card{grid-template-columns:1fr}
  .calc-controls{border-right:0;border-bottom:1px solid var(--stone-2)}
  .start-grid{grid-template-columns:1fr;gap:32px}
  .start-copy p{max-width:none}
}

/* responsive — phone, mobile-first polish */
@media(max-width:640px){
  body{font-size:16px}
  h1{font-size:clamp(34px,10vw,44px);line-height:1.06}
  h2{font-size:clamp(28px,7.5vw,34px)}
  .site-header{padding:14px 0}
  .brand span{font-size:19px}
  .site-header .btn{padding:10px 16px;font-size:14px}
  .hero{padding:96px 0 44px}
  .hero p{font-size:16px;margin:16px 0 24px}
  .hero-actions{flex-direction:column}
  .btn-lg{width:100%;text-align:center;padding:16px 20px;font-size:16px}
  .hero-chart{padding:20px 18px 14px}
  .hero-stat-value{font-size:36px}
  #heroSvg{margin-top:12px}
  .calc{padding:64px 0 36px}
  .calc-head{margin-bottom:24px}
  .calc-head p{font-size:16px}
  .calc-controls{padding:26px 20px;gap:22px}
  .ctrl-row output{font-size:20px}
  input[type=range]::-webkit-slider-thumb{width:28px;height:28px}
  input[type=range]::-moz-range-thumb{width:28px;height:28px}
  .calc-result{padding:26px 20px}
  .result-value{font-size:38px}
  .result-split{gap:16px}
  #calcCta{width:100%;text-align:center;padding:16px 20px;font-size:16px}
  .pillars{padding:28px 0 72px}
  .tiles{gap:14px}
  .pillar{padding:24px 22px 26px}
  .pillar .icon{width:46px;height:46px;margin-bottom:16px}
  .pillar:hover{transform:none}
  .cta{padding:64px 0 96px}
  .start-copy p{font-size:16px}
  .start-alt{margin-top:22px!important}
  .lead{padding:24px 18px 22px;gap:16px;border-radius:12px}
  .field input[type=text],.field input[type=tel],.field input[type=email]{padding:14px 14px;font-size:16px}
  .chips{gap:8px}
  .chips span{padding:11px 14px;font-size:14px}
  .lead .btn{padding:17px 20px;font-size:17px}
  .lead.sent{padding:36px 22px 32px}
  .lead.sent h3{font-size:22px}
  .site-footer{padding:22px 0 26px;font-size:12.5px}
  .site-footer .wrap{flex-direction:column;gap:8px}

  /* sticky bottom CTA — hidden once the form is on screen */
  .sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:20;padding:10px 16px calc(10px + env(safe-area-inset-bottom));background:rgba(16,35,63,.92);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);transform:translateY(110%);transition:transform .3s cubic-bezier(.2,.7,.2,1)}
  .sticky-cta.show{transform:none}
  .sticky-cta .btn{width:100%;text-align:center;padding:15px 20px;font-size:16px}
}
@media(min-width:641px){.sticky-cta{display:none}}

@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .btn{transition:none}
}