/* ============ Direct Wealth Options — Design System ============ */
:root{
  --ink:#0F2A24; --ink-2:#0B211C; --cream:#FBF8EF; --paper:#F4F0E4; --paper-2:#ECE5D2;
  --gold:#C99A2E; --gold-deep:#A87E1C; --gold-soft:#EBDDB4; --sienna:#C4562E; --error:#C2452F;
  --text:#1E2B27; --muted:#5D6B64; --muted-dark:#37453F;
  --line:rgba(15,42,36,.14); --line-strong:rgba(15,42,36,.34);
  --cream-line:rgba(251,248,239,.16);
  --font-display:"Fraunces",Georgia,serif;
  --font-body:"Manrope",system-ui,sans-serif;
  --font-mono:"IBM Plex Mono",monospace;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--text);font:400 16px/1.65 var(--font-body);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{display:block;max-width:100%}
a{color:inherit}
::selection{background:var(--gold);color:var(--ink)}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
body::after{content:"";position:fixed;inset:0;z-index:2000;pointer-events:none;opacity:.045;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.7'/%3E%3C/svg%3E")}
.container{max-width:1220px;margin-inline:auto;padding-inline:26px}
.section{padding:100px 0}
[id]{scroll-margin-top:110px}

/* ---- typography helpers ---- */
.eyebrow{display:inline-flex;align-items:center;gap:10px;font:600 11px/1 var(--font-mono);letter-spacing:.24em;text-transform:uppercase;color:var(--gold-deep)}
.eyebrow::before{content:"";width:9px;height:9px;background:var(--gold);transform:rotate(45deg)}
.section-head{max-width:760px;margin-bottom:56px}
.section-head h2,.page-head h1,.hero h1{font-family:var(--font-display);font-weight:600;line-height:1.06;letter-spacing:-.01em;color:var(--ink)}
.section-head h2{font-size:clamp(2rem,3.8vw,3rem);margin:18px 0 16px}
.lead{color:var(--muted);font-size:1.06rem;line-height:1.8}
.on-dark .lead{color:rgba(251,248,239,.72)}

/* ---- buttons ---- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 26px;border-radius:5px;
  border:1.5px solid var(--ink);font:700 12px/1 var(--font-mono);letter-spacing:.14em;text-transform:uppercase;
  text-decoration:none;cursor:pointer;transition:transform .25s,box-shadow .25s,background .25s,color .25s}
.btn--gold{background:var(--gold);color:var(--ink);box-shadow:4px 4px 0 rgba(15,42,36,.85)}
.btn--gold:hover{transform:translate(-2px,-2px);box-shadow:7px 7px 0 rgba(15,42,36,.85)}
.btn--ghost{background:transparent;color:var(--ink)}
.btn--ghost:hover{background:var(--ink);color:var(--cream)}
.btn--dark{background:var(--ink);color:var(--cream);border-color:var(--ink);box-shadow:4px 4px 0 rgba(15,42,36,.35)}
.btn--dark:hover{transform:translate(-2px,-2px);box-shadow:7px 7px 0 rgba(15,42,36,.35)}
.btn--ghost.on-dark{color:var(--cream);border-color:rgba(251,248,239,.55)}
.btn--ghost.on-dark:hover{background:var(--cream);color:var(--ink)}

/* ============ TICKER + HEADER ============ */
.ticker{background:var(--ink);color:#D9CFA9;overflow:hidden;font:500 10.5px/1 var(--font-mono);letter-spacing:.18em;text-transform:uppercase}
.ticker__track{display:flex;width:max-content;animation:tickerMove 32s linear infinite}
.ticker__group{display:flex;align-items:center;padding:10px 0}
.ticker__group span{padding:0 22px;white-space:nowrap}
.ticker__group i{color:var(--gold);font-style:normal}
@keyframes tickerMove{to{transform:translateX(-50%)}}
.site-head{position:sticky;top:0;z-index:900;background:rgba(244,240,228,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);transition:box-shadow .3s}
.site-head.is-scrolled{box-shadow:0 10px 30px rgba(15,42,36,.1)}
.nav{display:flex;align-items:center;justify-content:space-between;height:76px;gap:24px;position:relative}
.brand{font:600 1.45rem/1 var(--font-display);color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.brand i{font-style:normal;color:var(--gold)}
.nav__links{display:flex;align-items:center;gap:30px;list-style:none}
.nav__links a{font:700 11.5px/1 var(--font-mono);letter-spacing:.13em;text-transform:uppercase;text-decoration:none;color:var(--muted-dark);padding:8px 0;position:relative}
.nav__links a::after{content:"";position:absolute;left:0;bottom:0;width:100%;height:2px;background:var(--gold);transform:scaleX(0);transform-origin:right;transition:transform .3s}
.nav__links a:hover::after,.nav__links a.is-active::after{transform:scaleX(1);transform-origin:left}
.nav__links a.is-active{color:var(--ink)}
.nav__cta a{padding:12px 20px;color:var(--ink)}
.nav__cta a::after{display:none}
.nav__burger{display:none;background:none;border:0;cursor:pointer;width:42px;height:42px;position:relative}
.nav__burger span{position:absolute;left:9px;right:9px;height:2px;background:var(--ink);transition:.3s}
.nav__burger span:nth-child(1){top:16px}.nav__burger span:nth-child(2){top:25px}
.nav-open .nav__burger span:nth-child(1){top:20px;transform:rotate(45deg)}
.nav-open .nav__burger span:nth-child(2){top:20px;transform:rotate(-45deg)}

/* ============ FOOTER ============ */
.foot-cta{background:var(--gold);border-top:1px solid var(--ink)}
.foot-cta__in{display:flex;align-items:center;justify-content:space-between;gap:30px;padding:44px 26px;flex-wrap:wrap}
.foot-cta__in h2{font:600 clamp(1.5rem,3vw,2.2rem)/1.15 var(--font-display);color:var(--ink)}
.site-foot{background:var(--cream);border-top:1px solid var(--line)}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:44px;padding:72px 0 58px}
.foot-brand p{color:var(--muted);font-size:.95rem;margin:16px 0 20px;max-width:300px}
.foot-mini{list-style:none;font:500 12px/2.2 var(--font-mono);color:var(--muted)}
.foot-mini b{color:var(--gold-deep);font-weight:600}
.site-foot h4{font:600 11px/1 var(--font-mono);letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:20px}
.foot-links{list-style:none}
.foot-links li{margin-bottom:11px}
.foot-links a{text-decoration:none;color:var(--muted-dark);font-size:.95rem;transition:color .2s,padding-left .25s}
.foot-links a:hover{color:var(--gold-deep);padding-left:6px}
.foot-bottom{border-top:1px solid var(--line);padding:22px 0;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font:500 11px/1.6 var(--font-mono);letter-spacing:.08em;color:var(--muted)}

/* ============ PAGE HEAD (inner pages) ============ */
.page-head{padding:86px 0 60px;border-bottom:1px solid var(--line);position:relative;overflow:hidden}
.page-head::before{content:attr(data-mark);position:absolute;right:-30px;bottom:-64px;font:700 11rem/1 var(--font-display);color:transparent;-webkit-text-stroke:1px rgba(15,42,36,.1);pointer-events:none}
.page-head .crumb{font:600 11px/1 var(--font-mono);letter-spacing:.2em;text-transform:uppercase;color:var(--muted);display:block;margin-bottom:22px}
.page-head .crumb a{text-decoration:none;color:var(--gold-deep)}
.page-head h1{font-size:clamp(2.4rem,5vw,3.8rem);margin:16px 0 18px;max-width:840px}
.page-head .lead{max-width:680px}
.ph-tags{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px}
.ph-tags span{font:600 10.5px/1 var(--font-mono);letter-spacing:.14em;text-transform:uppercase;border:1px solid var(--line-strong);border-radius:100px;padding:8px 14px;color:var(--muted-dark)}

/* ============ HOME HERO ============ */
.hero{padding:78px 0 0;position:relative}
.hero__grid{display:grid;grid-template-columns:1.04fr .96fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(2.7rem,5.6vw,4.4rem)}
.lm{display:block;overflow:hidden;padding-bottom:.08em}
.lm>span{display:block;transform:translateY(115%);transition:transform 1s cubic-bezier(.2,.75,.2,1)}
body.loaded .lm>span{transform:translateY(0)}
.hero__lead{margin:26px 0 34px;max-width:540px}
.hero__cta{display:flex;gap:16px;flex-wrap:wrap}
.hero__stats{display:flex;gap:56px;flex-wrap:wrap;border-top:1px solid var(--line);margin-top:58px;padding-top:30px}
.stat b{display:block;font:600 clamp(2rem,3.4vw,2.9rem)/1 var(--font-display);color:var(--ink)}
.stat b em{font-style:normal;color:var(--gold)}
.stat span{font:600 10.5px/1.5 var(--font-mono);letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}
/* collage */
.collage{position:relative;min-height:540px}
.pcard{position:absolute;width:210px;background:var(--cream);border:1px solid var(--ink);border-radius:9px;padding:18px 20px;box-shadow:7px 7px 0 rgba(15,42,36,.12);transition:transform .4s}
.pcard::before{content:"";position:absolute;top:-11px;left:50%;width:64px;height:20px;transform:translateX(-50%) rotate(-2deg);background:rgba(201,154,46,.45);border:1px dashed rgba(15,42,36,.25)}
.pcard:hover{transform:rotate(0deg) scale(1.04)!important;z-index:5}
.pcard small{display:block;font:600 10px/1 var(--font-mono);letter-spacing:.2em;color:var(--gold-deep);margin-bottom:8px}
.pcard strong{font:600 1.3rem/1.2 var(--font-display);color:var(--ink)}
.pc-1{top:8px;left:-6px;transform:rotate(-5deg)}
.pc-2{top:44px;right:-4px;transform:rotate(4deg)}
.pc-3{bottom:110px;left:16px;transform:rotate(3deg)}
.pc-4{bottom:6px;right:24px;transform:rotate(-4deg)}
.pphoto{position:absolute;top:52%;left:50%;transform:translate(-50%,-50%) rotate(-2deg);width:300px;border:1px solid var(--ink);border-radius:10px;overflow:hidden;box-shadow:10px 10px 0 rgba(15,42,36,.14)}
.kb{overflow:hidden}
.kb img{width:100%;animation:kenburns 16s ease-in-out infinite alternate}
@keyframes kenburns{from{transform:scale(1)}to{transform:scale(1.09)}}

/* ---- marquee band ---- */
.band{background:var(--ink);overflow:hidden;padding:20px 0;border-block:1px solid var(--ink-2)}
.band__track{display:flex;width:max-content;animation:tickerMove 24s linear infinite}
.band__group{display:flex;align-items:center;font:600 italic 1.55rem/1 var(--font-display);color:var(--cream)}
.band__group span{padding:0 26px;white-space:nowrap}
.band__group i{color:var(--gold);font-style:normal}

/* ---- services index rows (home) ---- */
.svc-row{display:grid;grid-template-columns:86px 1fr auto 44px;gap:26px;align-items:start;padding:30px 12px;border-top:1px solid var(--line);text-decoration:none;transition:background .3s}
.svc-row:last-of-type{border-bottom:1px solid var(--line)}
.svc-row__num{font:600 1.7rem/1 var(--font-display);color:var(--line-strong);transition:color .3s}
.svc-row h3{font:600 1.45rem/1.2 var(--font-display);color:var(--ink)}
.svc-row__tag{font:italic 500 1rem/1.5 var(--font-display);color:var(--gold-deep);margin:4px 0 8px}
.svc-row__desc{color:var(--muted);font-size:.95rem;max-width:640px}
.svc-row__count{font:600 10.5px/1 var(--font-mono);letter-spacing:.16em;border:1px solid var(--line-strong);border-radius:100px;padding:8px 13px;color:var(--muted-dark);white-space:nowrap;margin-top:6px}
.svc-row__arrow{font:400 1.6rem/1 var(--font-display);color:var(--ink);transition:transform .3s;margin-top:2px}
.svc-row:hover{background:var(--cream)}
.svc-row:hover .svc-row__num{color:var(--gold)}
.svc-row:hover .svc-row__arrow{transform:translateX(8px)}

/* ---- why us (dark) ---- */
.why{background:var(--ink);color:var(--cream)}
.why .eyebrow{color:var(--gold)}
.why h2{color:var(--cream)}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.why-card{border:1px solid var(--cream-line);border-radius:10px;padding:28px 24px;background:rgba(251,248,239,.03);transition:transform .3s,border-color .3s,background .3s}
.why-card:hover{transform:translateY(-6px);border-color:var(--gold);background:rgba(251,248,239,.06)}
.why-card i{font:600 11px/1 var(--font-mono);letter-spacing:.18em;color:var(--gold);font-style:normal}
.why-card h3{font:600 1.22rem/1.3 var(--font-display);margin:14px 0 10px;color:var(--cream)}
.why-card p{font-size:.9rem;color:rgba(251,248,239,.65)}

/* ---- testimonials ---- */
.t-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:36px}
.t-card{position:relative;background:var(--cream);border:1px solid var(--ink);border-radius:9px;padding:32px 26px 26px;box-shadow:9px 9px 0 rgba(15,42,36,.09);transform:rotate(var(--r,0deg));transition:transform .4s,box-shadow .4s}
.t-card:hover{transform:rotate(0deg) translateY(-8px);box-shadow:12px 14px 0 rgba(15,42,36,.12)}
.t-card::before{content:"";position:absolute;top:-12px;left:50%;width:76px;height:22px;transform:translateX(-50%) rotate(-2deg);background:rgba(201,154,46,.4);border:1px dashed rgba(15,42,36,.25)}
.t-grid .t-card:nth-child(3n+2){margin-top:34px}
.t-card__stars{color:var(--gold);letter-spacing:4px;font-size:.95rem;margin-bottom:14px}
.t-card blockquote{font:italic 500 1.05rem/1.65 var(--font-display);color:var(--muted-dark)}
.t-card figcaption{margin-top:18px;padding-top:14px;border-top:1px dashed var(--line-strong)}
.t-card figcaption strong{display:block;font:600 1rem var(--font-body);color:var(--ink)}
.t-card figcaption span{font:600 10.5px/1 var(--font-mono);letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep)}

/* ---- FAQ ---- */
.faq{max-width:840px;margin-inline:auto}
.faq__item{border-bottom:1px solid var(--line)}
.faq__q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:22px;background:none;border:0;text-align:left;padding:24px 6px;cursor:pointer;font:600 1.2rem/1.35 var(--font-display);color:var(--ink)}
.faq__q i{font:400 1.5rem/1 var(--font-mono);color:var(--gold-deep);font-style:normal;transition:transform .35s;flex:none}
.faq__item.is-open .faq__q i{transform:rotate(45deg)}
.faq__a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .45s ease}
.faq__a>div{overflow:hidden}
.faq__a p{padding:0 6px 26px;color:var(--muted);max-width:720px}
.faq__item.is-open .faq__a{grid-template-rows:1fr}

/* ---- CTA band ---- */
.cta-band{background:var(--ink);color:var(--cream);position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-140px;top:-140px;width:420px;height:420px;border:1px solid rgba(201,154,46,.35);border-radius:50%}
.cta-band::before{content:"";position:absolute;right:-80px;top:-80px;width:300px;height:300px;border:1px dashed rgba(201,154,46,.3);border-radius:50%}
.cta-band__in{display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap;padding:80px 0;position:relative;z-index:1}
.cta-band h2{font:600 clamp(1.9rem,3.6vw,2.8rem)/1.15 var(--font-display);color:var(--cream);margin-bottom:14px}
.cta-band p{color:rgba(251,248,239,.7);max-width:520px}
.cta-band__btns{display:flex;gap:14px;flex-wrap:wrap}

/* ============ ABOUT ============ */
.about-split{display:grid;grid-template-columns:1fr 1.08fr;gap:70px;align-items:start}
.about-split__media{position:sticky;top:120px}
.about-split__media .kb{border:1px solid var(--ink);border-radius:12px;box-shadow:12px 12px 0 rgba(15,42,36,.1)}
.about-split__media figcaption{font:500 11px/1.6 var(--font-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-top:14px}
.point{display:flex;gap:18px;padding:26px 0;border-bottom:1px dashed var(--line-strong)}
.point i{flex:none;width:44px;height:44px;display:grid;place-items:center;border:1px solid var(--gold);border-radius:8px;color:var(--gold-deep);font:600 1.1rem var(--font-mono);font-style:normal;background:var(--cream)}
.point h3{font:600 1.25rem var(--font-display);color:var(--ink);margin-bottom:6px}
.point p{color:var(--muted);font-size:.95rem}
.promise{margin-top:44px;background:var(--paper-2);border:1px solid var(--line-strong);border-radius:12px;padding:34px}
.promise h3{font:600 1.3rem var(--font-display);color:var(--ink);margin-bottom:22px}
.promise__cols{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.promise__cols div{border-left:2px solid var(--gold);padding-left:16px;font:italic 500 1rem/1.55 var(--font-display);color:var(--muted-dark)}
.values-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.value-card{background:var(--cream);border:1px solid var(--line-strong);border-radius:10px;padding:30px 26px;transition:transform .3s,box-shadow .3s,border-color .3s}
.value-card:hover{transform:translateY(-7px);box-shadow:9px 9px 0 rgba(15,42,36,.09);border-color:var(--ink)}
.value-card i{font-style:normal;font-size:1.5rem;color:var(--gold)}
.value-card h3{font:600 1.2rem var(--font-display);color:var(--ink);margin:14px 0 8px}
.value-card p{font-size:.9rem;color:var(--muted)}
.quote-band{background:var(--paper-2);text-align:center;padding:110px 26px}
.quote-band blockquote{font:italic 600 clamp(1.7rem,3.4vw,2.7rem)/1.35 var(--font-display);color:var(--ink);max-width:880px;margin:0 auto 22px}
.quote-band cite{font:600 11px/1 var(--font-mono);letter-spacing:.24em;text-transform:uppercase;color:var(--gold-deep);font-style:normal}

/* ============ SERVICES PAGE ============ */
.services-wrap{display:grid;grid-template-columns:230px 1fr;gap:56px;padding:70px 0}
.rail{position:sticky;top:110px;align-self:start;display:flex;flex-direction:column;gap:6px}
.rail a{display:flex;align-items:center;gap:12px;padding:11px 14px;border-radius:7px;border:1px solid transparent;text-decoration:none;font:600 12px/1 var(--font-mono);letter-spacing:.1em;text-transform:uppercase;color:var(--muted);transition:.25s}
.rail a b{font-weight:600;color:var(--gold-deep)}
.rail a:hover{border-color:var(--line-strong);color:var(--ink)}
.rail a.is-active{background:var(--ink);color:var(--cream)}
.rail a.is-active b{color:var(--gold)}
.svc-sec{padding:66px 0;border-top:1px solid var(--line)}
.svc-sec:first-child{border-top:0;padding-top:0}
.svc-sec__head{display:grid;grid-template-columns:auto auto 1fr auto;gap:28px;align-items:end;margin-bottom:40px}
.svc-sec__num{font:700 3.6rem/0.9 var(--font-display);color:transparent;-webkit-text-stroke:1.5px var(--gold)}
.svc-sec__thumb{width:96px;height:96px;border-radius:10px;overflow:hidden;border:1px solid var(--ink)}
.svc-sec__thumb img{width:100%;height:100%;object-fit:cover;transition:transform 1.2s ease}
.svc-sec:hover .svc-sec__thumb img{transform:scale(1.12)}
.svc-sec__head h2{font:600 2rem/1.15 var(--font-display);color:var(--ink);margin:6px 0}
.svc-sec__tag{font:italic 500 1.05rem var(--font-display);color:var(--gold-deep)}
.svc-sec__desc{color:var(--muted);font-size:.97rem;max-width:620px;margin-top:8px}
.svc-sec__count{font:600 10.5px/1 var(--font-mono);letter-spacing:.16em;text-transform:uppercase;border:1px solid var(--gold);color:var(--gold-deep);border-radius:100px;padding:9px 15px;white-space:nowrap}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.svc-card{position:relative;background:var(--cream);border:1px solid var(--line-strong);border-radius:10px;padding:26px 24px 40px;transition:transform .3s,box-shadow .3s,border-color .3s}
.svc-card:hover{transform:translateY(-7px);box-shadow:9px 9px 0 rgba(15,42,36,.09);border-color:var(--ink)}
.chip{display:inline-block;font:600 9.5px/1 var(--font-mono);letter-spacing:.16em;text-transform:uppercase;background:var(--gold-soft);color:var(--ink);border-radius:4px;padding:6px 9px;margin-bottom:16px}
.svc-card h3{font:600 1.2rem var(--font-display);color:var(--ink);margin-bottom:8px}
.svc-card p{font-size:.9rem;color:var(--muted)}
.svc-card__code{position:absolute;right:18px;bottom:14px;font:600 10px/1 var(--font-mono);letter-spacing:.14em;color:var(--line-strong)}
/* flip cards (loans) */
.flip{height:262px;perspective:1200px;cursor:pointer;outline-offset:4px}
.flip__inner{position:relative;width:100%;height:100%;transform-style:preserve-3d;transition:transform .7s cubic-bezier(.3,.8,.3,1)}
.flip.is-flipped .flip__inner{transform:rotateY(180deg)}
.flip__face{position:absolute;inset:0;backface-visibility:hidden;-webkit-backface-visibility:hidden;border-radius:10px;padding:26px 24px;display:flex;flex-direction:column}
.flip__front{background:var(--cream);border:1px solid var(--line-strong)}
.flip__front h3{font:600 1.45rem var(--font-display);color:var(--ink);margin:auto 0 10px}
.flip__hint{font:600 10px/1.6 var(--font-mono);letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}
.flip__front .svc-card__code{position:static;margin-top:8px}
.flip__back{background:var(--ink);color:var(--cream);transform:rotateY(180deg);border:1px solid var(--ink)}
.flip__back h3{font:600 1.15rem var(--font-display);color:var(--gold);margin-bottom:10px}
.flip__back p{font-size:.88rem;color:rgba(251,248,239,.75);flex:1}
.flip__back a{font:700 11px/1 var(--font-mono);letter-spacing:.14em;text-transform:uppercase;color:var(--gold);text-decoration:none;margin-top:14px}
.flip__back a:hover{text-decoration:underline}

/* ============ CONTACT ============ */
.contact-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:60px;align-items:start}
.contact-note{background:var(--paper-2);border-left:3px solid var(--gold);border-radius:0 10px 10px 0;padding:22px 24px;margin-bottom:30px}
.contact-note h3{font:600 1.15rem var(--font-display);color:var(--ink);margin-bottom:6px}
.contact-note p{font-size:.93rem;color:var(--muted)}
.chan{display:flex;gap:18px;padding:20px 0;border-bottom:1px dashed var(--line-strong)}
.chan i{flex:none;width:42px;height:42px;display:grid;place-items:center;border:1px solid var(--gold);border-radius:8px;background:var(--cream);color:var(--gold-deep);font-style:normal;font:600 1rem var(--font-mono)}
.chan small{display:block;font:600 10px/1 var(--font-mono);letter-spacing:.2em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.chan a,.chan span.val{font:600 1.05rem var(--font-body);color:var(--ink);text-decoration:none}
.chan a:hover{color:var(--gold-deep)}
.contact-photo{margin-top:34px;border:1px solid var(--ink);border-radius:12px;overflow:hidden;box-shadow:10px 10px 0 rgba(15,42,36,.1)}
.form-card{background:var(--cream);border:1px solid var(--ink);border-radius:14px;padding:40px;box-shadow:10px 10px 0 rgba(15,42,36,.1)}
.form-card h2{font:600 1.6rem var(--font-display);color:var(--ink);margin-bottom:26px}
.field{display:block;margin-bottom:16px}
.field__label{display:block;font:600 10.5px/1 var(--font-mono);letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin-bottom:9px}
.field input,.field textarea{width:100%;padding:14px 15px;border:1px solid var(--line-strong);border-radius:7px;background:#fff;font:400 15px/1.5 var(--font-body);color:var(--ink);transition:border-color .2s,box-shadow .2s}
.field input:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,154,46,.2)}
.field textarea{resize:vertical;min-height:130px}
.field__msg{display:block;min-height:17px;margin-top:6px;font:500 12px/1.4 var(--font-body);color:var(--error)}
.field.is-invalid input,.field.is-invalid textarea{border-color:var(--error);box-shadow:0 0 0 3px rgba(194,69,47,.12)}
.field--check{display:flex;gap:12px;align-items:flex-start}
.field--check input{width:18px;height:18px;margin-top:2px;accent-color:var(--gold)}
.field--check span{font-size:.88rem;color:var(--muted)}
.field--check a{color:var(--gold-deep)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}

/* ============ NEWSLETTER / UNSUB = ============ */
.news-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:60px;align-items:start}
.perks{list-style:none;margin:28px 0}
.perks li{display:flex;gap:14px;align-items:center;padding:14px 0;border-bottom:1px dashed var(--line-strong);font:600 1rem var(--font-body);color:var(--ink)}
.perks i{flex:none;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--gold-soft);color:var(--gold-deep);font-style:normal;font-weight:700}
.news-note{font:500 12px/1.7 var(--font-mono);letter-spacing:.06em;color:var(--muted)}
.news-note a{color:var(--gold-deep)}
.unsub-wrap{max-width:640px;margin:0 auto;text-align:center;padding:90px 26px}
.unsub-wrap .mark{font:600 3rem/1 var(--font-display);color:var(--gold)}
.unsub-wrap h1{font:600 clamp(2rem,4vw,2.9rem)/1.15 var(--font-display);color:var(--ink);margin:18px 0 14px}
.unsub-wrap>p{color:var(--muted);margin-bottom:36px}
.unsub-form{display:flex;gap:12px}
.unsub-form .field{flex:1;margin:0;text-align:left}
.unsub-back{margin-top:30px;font-size:.9rem;color:var(--muted)}
.unsub-back a{color:var(--gold-deep);font-weight:600}

/* ============ LEGAL (privacy / terms) ============ */
.policy-grid{display:grid;grid-template-columns:290px 1fr;gap:70px;padding:80px 0}
.toc{position:sticky;top:120px;align-self:start}
.toc h4{font:600 11px/1 var(--font-mono);letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:18px}
.toc a{display:flex;gap:12px;padding:8px 10px;border-radius:6px;text-decoration:none;font:500 12.5px/1.4 var(--font-body);color:var(--muted);transition:.2s}
.toc a b{font:600 11px/1.6 var(--font-mono);color:var(--gold-deep)}
.toc a:hover,.toc a.is-active{background:var(--paper-2);color:var(--ink)}
.prose{max-width:760px}
.prose>p{color:var(--muted-dark);line-height:1.9;margin-bottom:26px}
.prose section{padding-top:34px;margin-top:34px;border-top:1px solid var(--line)}
.prose section:first-of-type{margin-top:0;border-top:0;padding-top:0}
.prose h2{font:600 1.45rem/1.3 var(--font-display);color:var(--ink);margin-bottom:16px;display:flex;gap:14px;align-items:baseline}
.prose h2 b{font:600 12px/1 var(--font-mono);color:var(--gold-deep)}
.prose section p{color:var(--muted-dark);line-height:1.9}

/* ============ TOASTS ============ */
.toasts{position:fixed;right:22px;bottom:22px;z-index:3000;display:flex;flex-direction:column;gap:14px;max-width:min(410px,calc(100vw - 44px))}
.toast{--tdur:5.2s;position:relative;display:flex;gap:14px;align-items:flex-start;overflow:hidden;background:var(--ink);color:var(--cream);border:1px solid var(--cream-line);border-left:4px solid var(--gold);border-radius:9px;padding:16px 14px 18px 16px;box-shadow:0 20px 44px rgba(8,22,18,.4);animation:toastIn .5s cubic-bezier(.2,.9,.3,1.15)}
.toast--error{border-left-color:var(--error)}
.toast__icon{flex:none;width:27px;height:27px;border-radius:50%;display:grid;place-items:center;background:var(--gold);color:var(--ink);font-weight:800;font-size:13px}
.toast--error .toast__icon{background:var(--error);color:var(--cream)}
.toast__body strong{display:block;font:600 1.05rem/1.3 var(--font-display);margin-bottom:3px}
.toast__body span{display:block;font-size:.87rem;color:rgba(251,248,239,.72)}
.toast__close{margin-left:auto;background:none;border:0;color:rgba(251,248,239,.55);font-size:17px;cursor:pointer;line-height:1;padding:2px}
.toast__close:hover{color:var(--cream)}
.toast__bar{position:absolute;left:0;bottom:0;height:3px;width:100%;background:var(--gold);animation:toastBar var(--tdur) linear forwards}
.toast--error .toast__bar{background:var(--error)}
.toast.is-paused .toast__bar{animation-play-state:paused}
.toast--out{animation:toastOut .35s ease forwards}
@keyframes toastIn{from{opacity:0;transform:translateX(36px) scale(.95)}}
@keyframes toastOut{to{opacity:0;transform:translateY(12px) scale(.96)}}
@keyframes toastBar{to{width:0}}

/* ============ REVEAL ============ */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.7,.2,1);transition-delay:var(--d,0s)}
.reveal.in{opacity:1;transform:none}

/* ============ RESPONSIVE ============ */
@media (max-width:1080px){
  .why-grid,.values-grid{grid-template-columns:repeat(2,1fr)}
  .svc-grid{grid-template-columns:repeat(2,1fr)}
  .rail{position:sticky;top:86px;z-index:60;flex-direction:row;overflow-x:auto;gap:8px;background:var(--paper);padding:12px 0;border-bottom:1px solid var(--line)}
  .rail a{flex:none}
  .services-wrap{grid-template-columns:1fr;gap:20px;padding-top:30px}
  .policy-grid{grid-template-columns:1fr;gap:40px}
  .toc{position:static;display:grid;grid-template-columns:repeat(2,1fr);gap:4px;background:var(--paper-2);border-radius:12px;padding:22px}
  .toc h4{grid-column:1/-1}
}
@media (max-width:980px){
  .hero__grid{grid-template-columns:1fr}
  .collage{min-height:0;display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:10px}
  .pcard,.pphoto{position:static;transform:none;width:auto}
  .pcard::before,.pphoto{display:none}
  .pcard{transform:rotate(var(--r,0deg))}
  .about-split,.contact-grid,.news-grid{grid-template-columns:1fr}
  .about-split__media{position:static}
  .t-grid{grid-template-columns:1fr;max-width:560px;margin-inline:auto}
  .t-grid .t-card:nth-child(3n+2){margin-top:0}
  .svc-sec__head{grid-template-columns:auto 1fr;gap:18px}
  .svc-sec__thumb,.svc-sec__count{display:none}
  .foot-grid{grid-template-columns:1fr 1fr;gap:36px}
}
@media (max-width:1000px){
  .nav__burger{display:block}
  .nav__links{position:absolute;top:76px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--cream);border-bottom:1px solid var(--line-strong);padding:14px 26px 26px;display:none;box-shadow:0 24px 40px rgba(15,42,36,.12)}
  .nav-open .nav__links{display:flex}
  .nav__links li{border-bottom:1px dashed var(--line)}
  .nav__links a{display:block;padding:15px 0;font-size:13px}
  .nav__links a::after{display:none}
  .nav__cta{border-bottom:0!important;padding-top:18px}
  .nav__cta a{width:100%}
}
@media (max-width:640px){
  .section{padding:72px 0}
  .svc-row{grid-template-columns:1fr;gap:10px}
  .svc-row__arrow{display:none}
  .why-grid,.values-grid,.svc-grid,.form-row,.promise__cols{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .form-card{padding:28px 22px}
  .unsub-form{flex-direction:column}
  .hero__stats{gap:30px}
  .toc{grid-template-columns:1fr}
  .band__group{font-size:1.2rem}
}
/* ============ REDUCED MOTION ============ */
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001s!important;animation-iteration-count:1!important;transition-duration:.001s!important}
  .ticker__track,.band__track{animation:none;transform:none}
  .kb img{animation:none}
  .lm>span{transform:none}
  .reveal{opacity:1;transform:none}
  .flip__inner{transition:none}
}