@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@500;600;700&family=DM+Serif+Display&family=Inter:wght@400;500;600;700&display=swap');

:root{
  --navy:#0B1F3A;
  --navy-2:#07162B;
  --gold:#C78B24;
  --gold-soft:#E5BD70;
  --cream:#FAF6F0;
  --cream-2:#F4EEE5;
  --white:#fff;
  --ink:#16243A;
  --muted:#667085;
  --line:#E8DED1;
  --shadow:0 18px 50px rgba(11,31,58,.10);
  --radius:22px;
  --serif:"Cormorant Garamond", Georgia, serif;
  --sans:"Inter", Arial, sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:#fff;font-family:var(--sans);line-height:1.65}
img{max-width:100%;display:block}
a{color:inherit}
.container{width:min(1160px,calc(100% - 40px));margin:auto}
.skip{position:absolute;left:-9999px}
.skip:focus{left:15px;top:15px;z-index:999;background:var(--navy);color:#fff;padding:10px 14px}
.topbar{background:var(--navy);color:#fff;font-size:12px;letter-spacing:.03em}
.topbar .container{display:flex;justify-content:flex-end;gap:20px;padding:8px 0}
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(14px);border-bottom:1px solid rgba(11,31,58,.08)}
.nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand img{width:185px;height:auto}
.navlinks{display:flex;align-items:center;gap:25px;font-size:14px;font-weight:600}
.navlinks a{text-decoration:none;position:relative;padding:28px 0}
.navlinks a:hover{color:var(--gold)}
.navlinks .dropdown{position:relative}
.dropdown-menu{display:none;position:absolute;top:62px;left:-18px;width:250px;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);padding:12px;border-radius:16px}
.dropdown:hover .dropdown-menu,.dropdown:focus-within .dropdown-menu{display:grid}
.dropdown-menu a{padding:10px 12px;border-radius:10px}
.dropdown-menu a:hover{background:var(--cream)}
.nav-cta{background:var(--navy);color:#fff!important;padding:12px 17px!important;border-radius:999px}
.menu-btn{display:none;border:1px solid var(--line);background:#fff;border-radius:12px;padding:10px}
.hero{background:linear-gradient(135deg,#fff 0%,var(--cream) 58%,#F5E8D4 100%);overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;min-height:650px;align-items:center;gap:50px;padding:72px 0}
.eyebrow{color:var(--gold);font-size:12px;font-weight:800;letter-spacing:.18em;text-transform:uppercase}
h1,h2,h3{font-family:var(--serif);line-height:.98;margin:0 0 18px;color:var(--navy)}
h1{font-size:clamp(50px,6vw,82px);font-weight:600}
h2{font-size:clamp(38px,4.2vw,58px)}
h3{font-size:30px}
.lead{font-size:18px;color:#526070;max-width:680px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--navy);border-radius:999px;padding:13px 20px;text-decoration:none;font-weight:700;font-size:14px;transition:.2s}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 10px 25px rgba(11,31,58,.18)}
.btn-outline{color:var(--navy);background:#fff}
.btn-gold{background:var(--gold);border-color:var(--gold);color:#fff}
.hero-art{position:relative;min-height:470px}
.hero-card{position:absolute;inset:25px 0 0 25px;border-radius:38px;background:linear-gradient(145deg,#0B1F3A,#173B66);box-shadow:var(--shadow);overflow:hidden}
.hero-card:before{content:"";position:absolute;width:300px;height:300px;border-radius:50%;background:rgba(199,139,36,.20);right:-100px;top:-80px}
.hero-card:after{content:"";position:absolute;width:220px;height:220px;border-radius:50%;border:1px solid rgba(229,189,112,.35);right:35px;bottom:35px}
.hero-copy{position:absolute;z-index:2;left:40px;bottom:42px;color:#fff;max-width:330px}
.hero-copy h3{color:#fff;font-size:36px}
.hero-copy p{color:#D9E0E9}
.mark-watermark{position:absolute;right:45px;top:48px;width:150px;opacity:.13;filter:brightness(0) invert(1)}
.gold-rule{width:90px;height:3px;background:var(--gold);margin:18px 0}
.section{padding:88px 0}
.section-cream{background:var(--cream)}
.section-navy{background:var(--navy);color:#fff}
.section-navy h2,.section-navy h3{color:#fff}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:38px}
.section-head p{max-width:580px;color:var(--muted)}
.section-navy .section-head p{color:#C8D0DB}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 8px 30px rgba(11,31,58,.05)}
.card:hover{transform:translateY(-3px);transition:.2s;box-shadow:var(--shadow)}
.icon{width:48px;height:48px;border-radius:14px;background:var(--cream);display:grid;place-items:center;color:var(--gold);font-weight:800;margin-bottom:20px}
.card p{color:var(--muted);font-size:14px}
.card a{text-decoration:none;font-weight:700}
.feature{display:grid;grid-template-columns:.9fr 1.1fr;gap:55px;align-items:center}
.feature-image{border-radius:32px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line)}
.feature-image img{width:100%;height:100%;object-fit:cover}
.kicker-list{display:grid;gap:14px;margin:24px 0}
.kicker{display:flex;gap:14px;align-items:flex-start}
.kicker-bullet{width:26px;height:26px;border-radius:50%;background:var(--gold);color:#fff;display:grid;place-items:center;font-size:12px;font-weight:800;flex:none;margin-top:3px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.15);border-radius:22px;overflow:hidden;margin-top:35px}
.stat{padding:26px;background:rgba(255,255,255,.04)}
.stat strong{display:block;font-family:var(--serif);font-size:42px;color:#fff}
.stat span{font-size:12px;color:#BFC9D6}
.cta{background:linear-gradient(135deg,var(--navy),#183C67);color:#fff;border-radius:32px;padding:55px;display:flex;justify-content:space-between;align-items:center;gap:35px}
.cta h2{color:#fff;max-width:700px}
.cta p{color:#D3DBE5;max-width:650px}
.page-hero{background:var(--cream);padding:82px 0 70px;border-bottom:1px solid var(--line)}
.page-hero .container{max-width:900px;margin-left:auto;margin-right:auto;text-align:center}
.breadcrumbs{font-size:12px;color:var(--muted);margin-bottom:22px}
.breadcrumbs a{text-decoration:none}
.service-hero{display:grid;grid-template-columns:1.15fr .85fr;gap:45px;align-items:center}
.service-panel{background:var(--navy);color:#fff;border-radius:30px;padding:40px;min-height:330px;position:relative;overflow:hidden}
.service-panel:before{content:"";position:absolute;width:220px;height:220px;border:1px solid rgba(229,189,112,.35);border-radius:50%;right:-60px;top:-60px}
.service-panel h3{color:#fff}
.service-panel p{color:#D6DEE7}
.article{max-width:820px;margin:auto}
.article h2{font-size:40px;margin-top:42px}
.article h3{font-size:28px;margin-top:32px}
.article p,.article li{font-size:16px;color:#465568}
.article ul{padding-left:22px}
.note{border-left:4px solid var(--gold);background:var(--cream);padding:20px 22px;border-radius:0 16px 16px 0;margin:25px 0}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:25px}
.calc-box{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px}
label{display:block;font-size:13px;font-weight:700;margin-bottom:8px}
input,select,textarea{width:100%;padding:13px 14px;border:1px solid #D7DDE5;border-radius:12px;font:inherit;background:#fff;margin-bottom:17px}
input:focus,select:focus,textarea:focus{outline:2px solid rgba(199,139,36,.25);border-color:var(--gold)}
.result{background:var(--navy);color:#fff;border-radius:18px;padding:22px;margin-top:8px}
.result strong{font-family:var(--serif);font-size:34px;color:#fff}
.faq{border-top:1px solid var(--line)}
.faq details{padding:18px 0;border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy)}
.blog-card img{height:200px;width:100%;object-fit:cover;border-radius:16px;margin-bottom:20px}
.blog-meta{font-size:12px;color:var(--gold);font-weight:800;text-transform:uppercase;letter-spacing:.08em}
footer{background:#061426;color:#D3DCE6;padding:60px 0 25px}
.footer-grid{display:grid;grid-template-columns:1.3fr .8fr .8fr .9fr;gap:35px}
.footer-logo{width:205px;filter:brightness(0) invert(1);margin-bottom:16px}
footer h3{font-family:var(--sans);font-size:13px;text-transform:uppercase;letter-spacing:.1em;color:#fff}
footer a{display:block;text-decoration:none;margin:9px 0;color:#C4CEDA;font-size:14px}
footer a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:20px;font-size:11px;color:#94A2B3;display:flex;justify-content:space-between;gap:20px}
.disclaimer{font-size:11px;color:#7D8A99;max-width:850px}
.mobile-nav{display:none}
@media(max-width:1050px){
  .navlinks{gap:15px}.navlinks a{font-size:13px}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:800px){
  .container{width:min(100% - 28px,1160px)}
  .topbar{display:none}
  .nav{height:68px}
  .brand img{width:155px}
  .navlinks{display:none}
  .menu-btn{display:block}
  .mobile-nav{display:none;border-top:1px solid var(--line);background:#fff;padding:10px 14px 20px}
  .mobile-nav.open{display:block}
  .mobile-nav a{display:block;padding:12px 8px;text-decoration:none;font-weight:600}
  .hero-grid,.feature,.service-hero,.calc{grid-template-columns:1fr}
  .hero-grid{padding:55px 0;min-height:auto}
  .hero-art{min-height:390px}
  .hero-card{inset:10px 0 0 0}
  h1{font-size:52px}
  .grid-3{grid-template-columns:1fr}
  .section{padding:68px 0}
  .section-head{display:block}
  .section-head p{margin-top:10px}
  .cta{padding:35px 25px;display:block}
  .cta .btn{margin-top:18px}
  .stats{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{display:block}
  .footer-bottom span{display:block;margin-top:8px}
}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*:before,*:after{transition:none!important}
}


/* Premium calculator UI */
.calculator-shell{display:grid;grid-template-columns:1.05fr .95fr;gap:24px;align-items:stretch}
.calc-box.premium{padding:32px}
.range-wrap{margin:5px 0 20px}
.range-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:7px}
.range-value{font-weight:800;color:var(--navy)}
input[type=range]{padding:0;margin:8px 0 4px;height:6px;accent-color:var(--gold)}
.calc-results{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:20px}
.metric{background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:16px}
.metric span{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:800}
.metric strong{display:block;font-family:var(--serif);font-size:28px;color:var(--navy);margin-top:2px}
.chart-wrap{margin-top:24px;padding:18px;border:1px solid var(--line);border-radius:18px;background:#fff}
.chart-title{font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:12px}
.bar-chart{height:180px;display:flex;align-items:flex-end;gap:5px;padding:8px 4px 0;border-bottom:1px solid var(--line)}
.bar{flex:1;min-width:3px;background:linear-gradient(to top,var(--navy),#4c6788);border-radius:4px 4px 0 0;position:relative}
.bar:hover{background:var(--gold)}
.bar em{display:none}
.calc-note{font-size:12px;color:var(--muted);margin-top:12px}
.blog-filter{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:30px}
.filter-btn{border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 14px;font:inherit;font-size:12px;font-weight:700;cursor:pointer;color:var(--navy)}
.filter-btn.active,.filter-btn:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.article-card{display:flex;flex-direction:column}
.article-card .read{margin-top:auto;padding-top:12px}
.pill{display:inline-flex;padding:6px 10px;border-radius:999px;background:var(--cream);color:var(--gold);font-size:10px;font-weight:800;text-transform:uppercase;letter-spacing:.08em}
.hero-trust{display:flex;gap:10px;flex-wrap:wrap;margin-top:25px}
.hero-trust span{font-size:11px;font-weight:700;padding:7px 11px;border:1px solid rgba(11,31,58,.12);border-radius:999px;background:rgba(255,255,255,.6)}
.editorial{position:absolute;left:-35px;bottom:28px;width:170px;padding:17px;background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow)}
.editorial strong{display:block;font-family:var(--serif);font-size:25px;color:var(--navy)}
@media(max-width:800px){
  .calculator-shell{grid-template-columns:1fr}
  .calc-results{grid-template-columns:1fr 1fr}
  .editorial{left:8px;bottom:8px}
}

:root{--number:"DM Serif Display",var(--serif)}
.hidden-field{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.form-note{font-size:12px;color:var(--muted);margin-top:14px}
.contact-actions{display:flex;gap:10px;flex-wrap:wrap;margin:22px 0}
.metric strong{font-family:var(--number);font-size:30px;letter-spacing:-.02em}
.range-value{font-family:var(--number);font-size:20px}
.calc-results-3{grid-template-columns:repeat(3,1fr)}
.chart-title span{font-family:var(--sans);font-weight:500;text-transform:none;letter-spacing:0;color:var(--muted)}
.line-chart{height:235px;position:relative;border:1px solid rgba(11,31,58,.06);border-radius:14px;background:linear-gradient(to bottom,rgba(250,246,240,.25),#fff);overflow:hidden}
.line-chart svg{width:100%;height:100%;display:block}
.calculator-hero{background:var(--cream);border-bottom:1px solid var(--line);overflow:hidden}
.calculator-hero .container{position:relative;min-height:360px;display:flex;align-items:center}
.calculator-hero-copy{position:relative;z-index:2;max-width:650px;padding:58px 0}
.calculator-hero h1{font-size:72px;line-height:.95;margin:8px 0 18px}
.calculator-hero h1 span{color:var(--gold)}
.calculator-hero p{font-size:19px;max-width:590px}
.calculator-hero img{position:absolute;right:-10%;bottom:0;width:65%;height:100%;object-fit:cover;object-position:center;border-radius:0;opacity:.52;mix-blend-mode:multiply;mask-image:linear-gradient(to right,transparent 0%,black 28%,black 100%);-webkit-mask-image:linear-gradient(to right,transparent 0%,black 28%,black 100%)}
.card .icon{font-family:var(--sans);font-size:12px}
@media(max-width:800px){.calc-results-3{grid-template-columns:1fr}.calculator-hero .container{min-height:420px}.calculator-hero-copy{padding:50px 0}.calculator-hero h1{font-size:52px}.calculator-hero img{width:100%;height:45%;right:0;opacity:.24;mask-image:none;-webkit-mask-image:none}.line-chart{height:200px}}


/* Social/contact layer */
.footer-social{padding:18px 0 8px;border-top:1px solid var(--line);margin-top:18px}
.footer-social strong{font-family:var(--serif);font-size:20px;color:var(--navy)}
.social-links{display:flex;gap:10px;flex-wrap:wrap;margin-top:9px}
.social-links a{display:inline-flex;align-items:center;padding:8px 12px;border:1px solid var(--line);border-radius:999px;text-decoration:none;color:var(--navy);font-size:12px;font-weight:700;background:#fff}
.social-links a:hover{border-color:var(--gold);color:var(--gold)}
.whatsapp-float{position:fixed;right:22px;bottom:22px;z-index:999;display:flex;align-items:center;gap:8px;padding:12px 16px;border-radius:999px;background:#1f9d55;color:#fff;text-decoration:none;box-shadow:0 12px 28px rgba(11,31,58,.18);font-size:13px;font-weight:800}
.whatsapp-float span{display:grid;place-items:center;width:24px;height:24px;border-radius:50%;background:#fff;color:#1f9d55;font-size:16px}
.article-card img{width:100%;aspect-ratio:3/2;object-fit:cover;border-radius:18px 18px 0 0;display:block}
@media(max-width:800px){.whatsapp-float{right:14px;bottom:14px;padding:11px 13px}.whatsapp-float b{font-size:12px}.social-links{gap:7px}}
.topbar a{color:inherit;text-decoration:none}.topbar a:hover{text-decoration:underline}