:root{
  --ink:#101216;
  --ink-2:#1A1D23;
  --paper:#FFFFFF;
  --bone:#F5F2EC;
  --gold:#D7373F;
  --gold-lt:#FF7A80;
  --green:#2F7D5B;
  --line:#DFD9CE;
  --muted:#6B7280;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;overflow-x:hidden}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.62;-webkit-font-smoothing:antialiased;overflow-x:hidden;width:100%}
img{display:block;max-width:100%}
a{color:inherit}
button{font-family:inherit;cursor:pointer;border:none}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
h1,h2,h3{font-family:'Fraunces','Georgia',serif;font-weight:600;line-height:1.12;letter-spacing:-.015em}

/* header */
header{position:sticky;top:0;z-index:60;background:rgba(18,22,28,.97);backdrop-filter:blur(8px);border-bottom:1px solid rgba(255,255,255,.09)}
.hd{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:13px 0}
.logo{display:flex;flex-direction:column;text-decoration:none;min-width:0}
.logo b{font-family:'Fraunces',serif;font-size:17px;font-weight:600;color:#fff;letter-spacing:-.01em;white-space:nowrap}
.logo span{font-size:9.5px;letter-spacing:.19em;text-transform:uppercase;color:var(--gold-lt);margin-top:2px}
.nav{display:flex;align-items:center;gap:22px}
.nav a{color:#C3CAD3;text-decoration:none;font-size:14px;font-weight:500}
.nav a:hover,.nav a.on{color:#fff}
.tel{font-size:14.5px;font-weight:700;color:#fff;text-decoration:none;white-space:nowrap}
@media(max-width:760px){.nav{display:none}.logo b{font-size:15px}}

.btn{display:inline-block;font-weight:600;font-size:15px;text-decoration:none;padding:13px 26px;border-radius:2px;transition:transform .14s,box-shadow .14s;white-space:nowrap;text-align:center}
.btn:hover{transform:translateY(-1px)}
.btn-g{background:var(--gold);color:#12161C;box-shadow:0 2px 0 #93262C}
.btn-o{border:1px solid rgba(255,255,255,.34);color:#fff}
.btn-d{background:var(--ink);color:#fff}
.btn-w{background:#fff;color:var(--ink);border:1px solid var(--line)}

/* hero */
.hero{background:var(--ink);color:#fff;position:relative}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(760px 320px at 22% 0%,rgba(200,149,47,.14),transparent 66%);pointer-events:none}
.hero .wrap{position:relative;z-index:2;padding:72px 22px 66px;max-width:820px}
@media(max-width:700px){.hero .wrap{padding:50px 22px 46px}}
.kicker{display:inline-block;font-size:11px;font-weight:700;letter-spacing:.19em;text-transform:uppercase;color:var(--gold-lt);border:1px solid rgba(232,200,122,.4);padding:5px 13px;border-radius:2px;margin-bottom:22px}
.hero h1{font-size:clamp(34px,5.6vw,58px);color:#fff;max-width:15ch}
.hero .lede{font-size:18px;color:#C3CAD3;max-width:56ch;margin:20px 0 30px}
.row{display:flex;gap:12px;flex-wrap:wrap}
.fineprint{font-size:12.5px;color:#8A929C;margin-top:24px;max-width:60ch}

section{padding:72px 0}
@media(max-width:700px){section{padding:50px 0}}
.bone{background:var(--bone)}
.shd{max-width:640px;margin-bottom:38px}
.shd .tag{display:block;font-size:11px;font-weight:700;letter-spacing:.19em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.shd h2{font-size:clamp(27px,3.9vw,40px)}
.shd p{color:var(--muted);font-size:16.5px;margin-top:14px}

/* two doors */
.doors{display:grid;grid-template-columns:1fr 1fr;gap:22px}
@media(max-width:800px){.doors{grid-template-columns:1fr}}
.door{border:1px solid var(--line);border-radius:3px;padding:32px 28px;background:#fff;display:flex;flex-direction:column}
.door.lead{border-color:var(--ink);border-width:2px}
.door .pill{display:inline-block;align-self:flex-start;font-size:10.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:4px 10px;border-radius:2px;margin-bottom:15px}
.door.lead .pill{background:var(--gold);color:var(--ink)}
.door .pill.alt{background:var(--bone);color:var(--muted)}
.door h3{font-size:25px;margin-bottom:11px}
.door p{color:var(--muted);font-size:15px;margin-bottom:18px}
.door ul{list-style:none;margin-bottom:24px}
.door li{font-size:14.5px;padding:7px 0 7px 25px;position:relative;border-bottom:1px solid var(--bone)}
.door li:last-child{border-bottom:none}
.door li::before{content:"→";position:absolute;left:0;color:var(--gold);font-weight:700}
.door .btn{margin-top:auto}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
@media(max-width:820px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.steps{grid-template-columns:1fr}}
.step{background:#fff;padding:26px 22px}
.bone .step{background:var(--bone)}
.step .n{font-family:'Fraunces',serif;font-size:31px;color:var(--gold);line-height:1;margin-bottom:11px}
.step h3{font-size:18px;margin-bottom:7px}
.step p{font-size:14px;color:var(--muted);line-height:1.55}

/* calculator */
.calc{background:var(--ink);color:#fff;border-radius:3px;padding:34px 30px;max-width:560px}
@media(max-width:560px){.calc{padding:26px 20px}}
.calc h3{color:#fff;font-size:23px;margin-bottom:6px}
.calc .sub{font-size:14px;color:#98A0AA;margin-bottom:24px}
.cf{margin-bottom:16px}
.cf label{display:block;font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-lt);margin-bottom:6px}
.cf input,.cf select{width:100%;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:2px;padding:12px 13px;font-size:16px;color:#fff;font-family:inherit}
.cf input:focus,.cf select:focus{outline:2px solid var(--gold);outline-offset:1px}
.cf select option{background:var(--ink)}
.c2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.calc button{width:100%;background:var(--gold);color:var(--ink);font-weight:700;font-size:16px;padding:14px;border-radius:2px;margin-top:6px}
.cout{display:none;margin-top:22px;padding-top:22px;border-top:1px solid rgba(255,255,255,.18)}
.cout.on{display:block}
.cout .lbl{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-lt);margin-bottom:6px}
.cout .amt{font-family:'Fraunces',serif;font-size:44px;color:#fff;line-height:1}
.cout .note{font-size:13px;color:#98A0AA;margin-top:12px}

/* faq */
.faq{max-width:760px}
details{border-bottom:1px solid var(--line)}
summary{cursor:pointer;padding:19px 34px 19px 0;font-weight:600;font-size:16.5px;position:relative;list-style:none}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:6px;top:17px;font-size:22px;color:var(--gold);font-weight:400}
details[open] summary::after{content:"−"}
details p{padding-bottom:20px;color:var(--muted);font-size:15.5px;max-width:66ch}

/* form */
.formwrap{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media(max-width:800px){.formwrap{grid-template-columns:1fr}}
form{background:#fff;border:1px solid var(--line);border-radius:3px;padding:28px}
.bone form{background:#fff}
label.fl{display:block;font-size:11.5px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
input,select,textarea{width:100%;border:1px solid var(--line);border-radius:2px;padding:12px 13px;font-size:16px;font-family:inherit;color:var(--ink);margin-bottom:15px;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);outline-offset:1px}
textarea{min-height:92px;resize:vertical}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:460px){.f2{grid-template-columns:1fr}}
form .btn{width:100%;padding:15px}
.sent{display:none;text-align:center;padding:38px 12px}
.sent.on{display:block}
.sent .ck{width:54px;height:54px;border-radius:50%;background:var(--green);color:#fff;font-size:25px;display:flex;align-items:center;justify-content:center;margin:0 auto 15px}
.sent h3{font-size:23px;margin-bottom:8px}
.sent p{color:var(--muted);font-size:15px}

/* cross-sell strip */
.cross{background:var(--ink-2);color:#fff;padding:52px 0}
.cross h2{color:#fff;font-size:clamp(24px,3.4vw,32px);margin-bottom:12px}
.cross p{color:#B6BDC6;margin-bottom:22px;max-width:60ch}

footer{background:var(--ink);color:#8A929C;padding:38px 0;font-size:13.5px}
.ft{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
.ft a{color:var(--gold-lt);text-decoration:none}
.ft .disc{font-size:12px;color:#6E767F;max-width:64ch;margin-top:16px;line-height:1.6}

/* ===== calculators ===== */
.tool{max-width:720px}
.pcard{border:1px solid var(--line);border-radius:3px;background:#fff;padding:22px 24px;margin-bottom:14px;position:relative}
.pcard .phd{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px}
.pcard .pnum{font-size:11px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.rmv{background:none;color:var(--muted);font-size:13px;text-decoration:underline;padding:0}
.rmv:hover{color:#B4342A}
.pnote{background:var(--bone);border-left:3px solid var(--gold);padding:11px 14px;font-size:13.5px;color:var(--ink);margin:2px 0 16px;line-height:1.5}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.g3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}
@media(max-width:600px){.g2,.g3{grid-template-columns:1fr}}
.addbtn{width:100%;border:1px dashed var(--line);background:#fff;color:var(--muted);padding:14px;border-radius:2px;font-size:14.5px;font-weight:600;margin-bottom:18px}
.addbtn:hover{border-color:var(--gold);color:var(--ink)}
.runwide{width:100%;background:var(--gold);color:var(--ink);font-weight:700;font-size:17px;padding:17px;border-radius:2px;box-shadow:0 2px 0 #93262C}
.runwide[disabled]{opacity:.5;cursor:wait;box-shadow:none}
.privacy{font-size:13px;color:var(--muted);text-align:center;margin-top:14px;line-height:1.55}

.res{display:none;margin-top:32px;border:2px solid var(--ink);border-radius:3px;overflow:hidden}
.res.on{display:block}
.reshead{background:var(--ink);color:#fff;padding:32px 28px;text-align:center}
.resamt{font-family:'Fraunces',serif;font-size:clamp(44px,9vw,68px);line-height:1;color:var(--gold)}
.reslbl{font-size:11.5px;letter-spacing:.19em;text-transform:uppercase;color:#98A0AA;margin-top:10px}
.reshead .headline{font-size:17px;color:#fff;margin-top:18px;max-width:48ch;margin-left:auto;margin-right:auto;line-height:1.55}
.resbody{padding:24px 28px;background:#fff}
.line{padding:16px 0;border-bottom:1px solid var(--bone)}
.line:last-child{border-bottom:none}
.linetop{display:flex;justify-content:space-between;gap:14px;align-items:baseline;margin-bottom:5px}
.linename{font-weight:600;font-size:16px}
.lineamt{font-family:'Fraunces',serif;font-size:20px;white-space:nowrap}
.lineamt.zero{color:var(--muted)}
.lineexp{font-size:14.5px;color:var(--muted);line-height:1.6}
.estnote{background:var(--bone);border:1px solid var(--line);border-radius:2px;padding:16px 18px;margin:22px 28px;font-size:14px;color:var(--ink);line-height:1.6}
.rescta{background:var(--ink-2);color:#fff;padding:26px 28px}
.rescta h3{color:#fff;font-size:22px;margin-bottom:9px}
.rescta p{color:#B6BDC6;font-size:15px;margin-bottom:18px;max-width:56ch}
.tierbox{background:var(--bone);border-left:3px solid var(--gold);padding:14px 16px;margin-bottom:16px;font-size:14px;line-height:1.55}
.tierbox b{display:block;margin-bottom:4px}
.err{display:none;background:#FDF2F1;border:1px solid #E8C4C0;color:#8E2A22;padding:14px 16px;border-radius:2px;font-size:14.5px;margin-top:16px}
.err.on{display:block}

/* share row after a result */
.sharebox{background:var(--bone);border-top:1px solid var(--line);padding:22px 28px;text-align:center}
.sharebox p{font-size:14.5px;color:var(--muted);margin-bottom:14px}
.sharerow{display:flex;gap:9px;justify-content:center;flex-wrap:wrap}
.sh{border:1px solid var(--line);background:#fff;color:var(--ink);border-radius:2px;padding:11px 18px;font-size:14px;font-weight:600;text-decoration:none;display:inline-block}
.sh:hover{border-color:var(--gold)}

/* brand logo */
.logo{flex-direction:row;align-items:center;gap:11px}
.logo img{height:46px;width:auto;flex:none}
.logo .txt{display:flex;flex-direction:column;min-width:0}
@media(max-width:760px){.logo img{height:38px}}
@media(max-width:400px){.logo img{height:34px}.logo b{font-size:13.5px}}
.ftlogo{height:56px;width:auto;margin-bottom:16px;opacity:.9}

/* result seal — the circular mark, so screenshots carry the brand */
.reshead{position:relative}
.seal{width:74px;height:74px;border-radius:50%;display:block;margin:0 auto 16px;box-shadow:0 0 0 3px rgba(255,255,255,.10)}
.resfoot{background:var(--ink);border-top:1px solid rgba(255,255,255,.10);padding:14px 20px;text-align:center}
.resfoot b{display:block;font-size:13px;letter-spacing:.13em;text-transform:uppercase;color:#fff;font-weight:700}
.resfoot span{font-size:12.5px;color:#98A0AA}

/* Worked savings example ------------------------------------------------- */
.calc{border:2px solid var(--ink);border-radius:3px;background:var(--paper);overflow:hidden}
.calc .assume{background:var(--bone);padding:18px 24px;border-bottom:1px solid var(--line);
  font-size:13.5px;color:var(--muted)}
.calc .assume b{color:var(--ink)}
.calc-scroll{overflow-x:auto}
.calc table{border-collapse:collapse;width:100%;min-width:460px}
.calc th{font-size:10.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--muted);text-align:left;padding:14px 24px;border-bottom:1px solid var(--line)}
.calc th.n,.calc td.n{text-align:right;font-variant-numeric:tabular-nums}
.calc td{padding:13px 24px;font-size:15px;border-bottom:1px solid var(--bone)}
.calc td.lev{font-weight:600}
.calc td.why{color:var(--muted);font-size:13.5px}
.calc tr.tot td{border-top:2px solid var(--ink);border-bottom:none;background:var(--bone);
  font-weight:700;font-size:19px;padding-top:18px;padding-bottom:18px}
.calc tr.tot td.lev{font-family:'Fraunces','Georgia',serif}

/* Bigger imagery ---------------------------------------------------------- */
/* Header and footer marks, up from 46/56 — the shield loses its detail small. */
.logo img{height:58px}
@media(max-width:760px){.logo img{height:46px}}
@media(max-width:400px){.logo img{height:40px}}
.ftlogo{height:88px}

/* Hero: text and photograph side by side, stacking on narrow screens. */
.hero .wrap.wide{max-width:1120px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero-grid .copy{min-width:0}
.hero-shot{border-radius:4px;overflow:hidden;border:1px solid rgba(255,255,255,.16);
  box-shadow:0 26px 64px rgba(0,0,0,.5)}
.hero-shot img{width:100%;height:auto}
@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:30px}
  .hero-shot{order:-1}
}

/* Brand band: the full mark at a size where the shield actually reads. */
.brandband{background:var(--bone);border-top:1px solid var(--line);border-bottom:1px solid var(--line);
  padding:56px 0;text-align:center}
.brandband img{max-width:340px;width:70%;height:auto;margin:0 auto 22px}
.brandband p{max-width:56ch;margin:0 auto;color:var(--muted);font-size:15.5px}
@media(max-width:600px){.brandband{padding:40px 0}.brandband img{width:82%}}

/* Hero on a phone: the headline is the pitch, so it comes before the photo —
   with the image first the offer sat below the fold. */
@media(max-width:900px){
  .hero-shot{order:0}
  .hero-grid .copy{order:-1}
}
/* The number was running into the right edge at 390px. */
@media(max-width:460px){
  .hd .tel{font-size:14px;white-space:nowrap}
  .hd{gap:8px}
}

/* The header row is class="wrap hd", and .hd's shorthand `padding:13px 0`
   overrode .wrap's `0 22px`, zeroing the side gutter — the logo sat against the
   left edge and the phone number ran off the right on a narrow screen.
   Restated here so the gutter survives, on every page. */
.hd{padding-left:22px;padding-right:22px}