/* ================= TOKENS ================= */
:root{
  --bg:#0b0c0d;
  --ink:#f1f1f1;
  --muted:#b4babf;
  --dim:#8b9196;
  --faint:#6a7075;
  --gold:#d4c58b;
  --gold-lt:#f3e2ac;
  --gold-mid:#d4af6a;
  --gold-dk:#b8893f;
  --gold-pale:#f6e6b4;
  --line:rgba(255,255,255,.10);
  --line-gold:rgba(212,175,106,.22);
  --glass:rgba(255,255,255,.05);
  --ok:#00b67a;
  --display:'Montserrat',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --body:'Inter','Montserrat',sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--display);background:var(--bg);color:var(--ink);overflow-x:hidden;-webkit-font-smoothing:antialiased;line-height:1.5}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input,select{font:inherit;color:inherit}
ul{list-style:none}
.inter{font-family:var(--body)}
::-webkit-scrollbar{width:8px}
::-webkit-scrollbar-track{background:var(--bg)}
::-webkit-scrollbar-thumb{background:#333;border-radius:4px}
a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,select:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}html{scroll-behavior:auto}}
.vh{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;z-index:200;background:var(--gold);color:#1a1306;padding:12px 18px;font-weight:600}
.skip:focus{left:0}

.shell{max-width:1440px;margin-inline:auto;background:var(--bg);position:relative;box-shadow:0 25px 50px -12px rgba(0,0,0,.6)}
.wrap{width:100%;max-width:1200px;margin-inline:auto;padding-inline:32px}
@media (max-width:768px){.wrap{padding-inline:24px}}
.sec{padding-block:80px}
.sec--sm{padding-block:56px}

/* ================= TYPE HELPERS ================= */
.gold{color:var(--gold)}
.gold-lt{color:var(--gold-lt)}
.gold-grad{background:linear-gradient(135deg,var(--gold-pale) 0%,var(--gold-mid) 45%,var(--gold-dk) 100%);
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;color:transparent}
.eyebrow{font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-lt);font-weight:500}
.lede{font-size:14px;font-weight:300;line-height:1.75;color:var(--muted);max-width:62ch}
.small{font-size:13px;font-weight:300;line-height:1.7;color:var(--dim)}

/* heading with rules */
.rule-h{display:flex;align-items:center;gap:24px;margin-bottom:56px}
.rule-h::after{content:"";flex:1;height:1px;background:var(--line)}
.rule-h--center::before{content:"";flex:1;height:1px;background:var(--line)}
.rule-h h2{font-size:clamp(21px,3.2vw,36px);font-weight:300;letter-spacing:.2em;text-transform:uppercase;color:rgba(255,255,255,.9);line-height:1.25}
@media (min-width:900px){.rule-h h2{white-space:normal}}
.rule-h h2{max-width:100%}

/* ================= BUTTONS ================= */
.btn-gold{
  display:inline-flex;align-items:center;justify-content:center;gap:12px;
  background:linear-gradient(100deg,var(--gold-dk) 0%,#f3e2ac 28%,#fbf3d4 50%,#f3e2ac 72%,var(--gold-dk) 100%);
  color:#1a1306;font-weight:600;font-size:14px;letter-spacing:.15em;text-transform:uppercase;
  padding:16px 34px;border:0;border-radius:999px;cursor:pointer;transition:transform .25s,filter .25s;
  box-shadow:0 10px 30px rgba(212,175,106,.18)
}
.btn-gold:hover{filter:brightness(1.06);transform:scale(1.02)}
.btn-gold--sq{border-radius:6px;padding:16px 46px;letter-spacing:.18em}
.btn-ghost{display:inline-flex;align-items:center;gap:10px;border:1px solid var(--line-gold);color:var(--gold-lt);
  font-size:13px;letter-spacing:.12em;text-transform:uppercase;padding:13px 26px;border-radius:999px;transition:background .2s}
.btn-ghost:hover{background:rgba(255,255,255,.05)}

/* ================= SURFACES ================= */
.glass{background:var(--glass);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border:1px solid var(--line);border-radius:14px}
.glass:hover{background:rgba(255,255,255,.08)}
.glass-card{background:rgba(11,12,13,.34);backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px);border:1px solid rgba(212,175,106,.2);border-radius:16px}
.outlined{border:1px solid var(--line);border-radius:14px;transition:border-color .25s}
.outlined:hover{border-color:rgba(212,175,106,.4)}

/* ================= HERO ================= */
.hero{position:relative;width:100%;min-height:660px;display:flex;flex-direction:column;overflow:hidden}
@media (min-width:1024px){.hero{min-height:830px;height:100vh}}
.hero__media{position:absolute;inset:0;z-index:0;background:linear-gradient(150deg,#2a2118 0%,#141210 55%,#0b0c0d 100%)}
.hero__media img{width:100%;height:100%;object-fit:cover;object-position:72% center}
.hero__media::after{content:"";position:absolute;inset:0;
  background:linear-gradient(90deg,rgba(11,12,13,.96) 0%,rgba(11,12,13,.35) 45%,rgba(11,12,13,.05) 100%)}
.hero__fade{position:absolute;left:0;bottom:0;width:100%;height:38%;background:linear-gradient(to top,var(--bg) 0%,rgba(11,12,13,.92) 22%,rgba(11,12,13,.55) 55%,transparent 100%);z-index:1}
.hero__glow{position:absolute;inset:0;z-index:1;background:radial-gradient(ellipse 80% 40% at 100% 0%,rgba(11,12,13,.84),transparent 70%)}
@media (max-width:619px){.hero__glow{background:linear-gradient(180deg,rgba(11,12,13,.68) 0%,rgba(11,12,13,.34) 38%,transparent 60%)}}

.nav{position:relative;z-index:60;display:flex;justify-content:space-between;align-items:center;padding:24px 32px}
@media (min-width:768px){.nav{padding:24px 64px}}
.brand{display:flex;align-items:center;gap:10px}
.brand svg{width:30px;height:30px;stroke:var(--gold);fill:none;stroke-width:1.5}
.brand span{font-size:13px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:#fff;text-shadow:0 1px 8px rgba(0,0,0,.85)}
@media (min-width:768px){.brand span{font-size:15px}}
.menu{position:relative}
.menu > summary{list-style:none;cursor:pointer;width:42px;height:42px;display:flex;align-items:center;justify-content:center;
  border-radius:8px;background:rgba(11,12,13,.55);backdrop-filter:blur(6px);-webkit-backdrop-filter:blur(6px);
  border:1px solid rgba(243,226,172,.55);transition:border-color .2s,background .2s}
.menu > summary::-webkit-details-marker{display:none}
.menu > summary:hover{border-color:var(--gold-lt);background:rgba(11,12,13,.75)}
.menu > summary svg{width:20px;height:20px;stroke:var(--gold);fill:none;stroke-width:2}
.menu__panel{position:absolute;right:0;margin-top:10px;width:250px;border-radius:14px;padding:8px 0;z-index:50;
  display:flex;flex-direction:column;font-size:13px;letter-spacing:.06em;text-transform:uppercase;
  background:rgba(11,12,13,.97);border:1px solid var(--line-gold);box-shadow:0 10px 40px rgba(0,0,0,.55)}
.menu__panel a{padding:12px 22px;color:rgba(255,255,255,.9);transition:color .2s,background .2s}
.menu__panel a:hover{color:var(--gold);background:rgba(255,255,255,.05)}
.menu__label{padding:12px 22px 6px;margin:0;font-size:10px;letter-spacing:.18em;color:var(--faint);font-weight:500}
.menu__panel hr{margin:8px 22px;border:0;height:1px;background:rgba(212,175,106,.2)}
.menu__panel .go{color:var(--gold);font-weight:500}

.hero__eyebrow{position:absolute;right:32px;top:100px;z-index:40;text-align:right;text-shadow:0 2px 10px rgba(0,0,0,.85)}
@media (min-width:768px){.hero__eyebrow{right:64px}}
@media (max-width:619px){.hero__eyebrow{display:none}}
.hero__eyebrow p:nth-child(2){color:#fff;font-size:14px;letter-spacing:.2em;margin-top:5px}
.hero__eyebrow .bar{margin-left:auto;margin-top:10px;height:2px;width:70px;background:linear-gradient(270deg,var(--gold-pale),var(--gold-mid) 50%,transparent)}

.hero__copy{position:relative;z-index:10;flex:1;display:flex;flex-direction:column;justify-content:flex-start;
  padding:20px 32px 0;text-shadow:0 2px 16px rgba(0,0,0,.5)}
@media (min-width:620px){.hero__copy{padding-top:250px}}
@media (min-width:768px){.hero__copy{padding-inline:64px;padding-top:300px}}
@media (min-width:1024px){.hero__copy{justify-content:center;padding-top:0}}
.hero__tag{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-lt);margin-bottom:16px;text-shadow:0 1px 6px rgba(0,0,0,.9)}
@media (min-width:620px){.hero__tag{display:none}}
h1{font-weight:700;line-height:.9;letter-spacing:-.02em}
h1 .word{display:block;font-size:17vw;color:#fff;margin-left:-2px}
@media (min-width:768px){h1 .word{font-size:12vw}}
@media (min-width:1024px){h1 .word{font-size:106px}}
h1 .h1line{display:block;margin-top:22px;font-family:var(--body);font-size:19px;font-weight:300;line-height:1.35;letter-spacing:0;color:#fff;max-width:22ch}
@media (min-width:768px){h1 .h1line{font-size:23px}}
h1 .h1line b{font-weight:500;color:var(--gold-lt)}
.hero__rule{height:2px;width:84px;margin:22px 0 22px;background:linear-gradient(90deg,var(--gold-pale),var(--gold-mid) 50%,transparent)}
@media (min-width:768px){.hero__rule{width:104px}}
.hero__sub{font-size:14px;font-weight:300;line-height:1.7;color:#dfe3e6;max-width:400px}
@media (min-width:768px){.hero__sub{font-size:15px}}

.hero__base{position:relative;z-index:20;padding:20px 32px 34px;width:100%}
@media (min-width:768px){.hero__base{padding:20px 64px 60px}}
.hero__row{display:flex;flex-direction:column;align-items:stretch;gap:22px}
@media (min-width:1024px){.hero__row{flex-direction:row;align-items:flex-end;justify-content:space-between;gap:26px}}
.hero__feats{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;width:100%}
@media (min-width:620px){.hero__feats{grid-template-columns:repeat(5,1fr);gap:12px}}
@media (min-width:1024px){.hero__feats{width:auto}}
.feat{padding:18px 12px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
@media (min-width:620px){.feat{aspect-ratio:3/4;overflow:hidden}}
.feat:nth-child(5){grid-column:span 2}
@media (min-width:620px){.feat:nth-child(5){grid-column:span 1}}
.feat svg{width:34px;height:34px;stroke:var(--gold);fill:none;stroke-width:1.2;margin-bottom:12px}
@media (min-width:1231px){.feat svg{width:44px;height:44px}}
.feat b{font-size:15px;font-weight:700;line-height:1;margin-bottom:6px}
@media (min-width:1231px){.feat b{font-size:19px}}
.feat span{font-size:10px;font-weight:300;line-height:1.35;color:rgba(212,197,139,.82)}
@media (min-width:1231px){.feat span{font-size:12px}}
.hero__cta{width:100%;display:flex;flex-direction:column;align-items:center}
@media (min-width:1024px){.hero__cta{width:auto;min-width:0;display:flex}}
.hero__cta .btn-gold{width:100%;max-width:440px}
@media (min-width:1024px){.hero__cta .btn-gold{width:auto}}
.hero__cta .safe{display:flex;align-items:center;justify-content:center;gap:7px;margin-top:14px;font-size:12px;font-weight:400;color:#fff;text-shadow:0 1px 6px rgba(0,0,0,.9)}
.hero__cta .safe svg{width:14px;height:14px;fill:var(--gold)}

/* ================= TIMELINE ================= */
.how{display:grid;grid-template-columns:1fr;gap:44px}
@media (min-width:1000px){.how{grid-template-columns:minmax(0,1fr) 490px;gap:56px;align-items:start}}
.how__body{min-width:0}
.how__intro{width:100%;display:flex;flex-direction:column;gap:26px;padding-block:0 34px}

.how__intro p{max-width:62ch;font-size:15px;font-weight:300;line-height:1.8;color:var(--muted)}
.how__steps{position:relative;width:100%;min-width:0}

.how__steps::before{content:"";position:absolute;top:6px;bottom:6px;left:32px;width:1px;background:var(--line)}
@media (min-width:768px){.how__steps::before{left:40px}}
.step{position:relative;padding-left:72px;margin-bottom:46px}
@media (min-width:768px){.step{padding-left:90px}}
.step:last-child{margin-bottom:0}
.step::before{content:"";position:absolute;left:26px;top:5px;width:13px;height:13px;border-radius:50%;background:var(--gold);z-index:2}
@media (min-width:768px){.step::before{left:34px}}
.step .n{font-size:12px;font-weight:300;letter-spacing:.18em;text-transform:uppercase;color:var(--faint)}
.step h3{font-size:21px;font-weight:400;letter-spacing:.02em;margin:2px 0 8px}
.step p{font-size:13px;font-weight:300;line-height:1.75;color:var(--dim);max-width:360px}

/* ================= GRIDS ================= */
.g2{display:grid;grid-template-columns:1fr;gap:24px}
.g3{display:grid;grid-template-columns:1fr;gap:24px}
.g4{display:grid;grid-template-columns:1fr;gap:22px}
.g5{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
@media (min-width:640px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}}
@media (min-width:900px){.g2{grid-template-columns:1fr 1fr}}
@media (min-width:1024px){.g4{grid-template-columns:repeat(4,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g5{grid-template-columns:repeat(5,1fr);gap:20px}}

.tile{padding:30px 26px}
.tile__hd{display:flex;align-items:center;gap:12px;margin-bottom:18px}
.tile__hd svg{width:24px;height:24px;flex:none;stroke:var(--gold);fill:none;stroke-width:1.2}
.tile h3{font-size:17px;font-weight:500;letter-spacing:.04em}
.tile p{font-size:13px;font-weight:300;line-height:1.75;color:var(--muted)}
.tile .amt{font-size:26px;font-weight:600;letter-spacing:-.01em;margin-bottom:12px}
.tile dl{display:grid;grid-template-columns:auto 1fr;gap:8px 14px;font-size:12.5px;font-weight:300;margin-top:18px}
.tile dt{color:var(--faint)}
.tile dd{text-align:right;color:var(--ink)}
.tile .go{display:inline-block;margin-top:20px;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);border-bottom:1px solid rgba(212,197,139,.4);padding-bottom:2px}

.mini{padding:24px 22px;display:flex;flex-direction:column}
.mini h3{font-size:15px;font-weight:500;letter-spacing:.03em;margin-bottom:8px}
.mini p{font-size:12px;font-weight:300;line-height:1.7;color:var(--dim)}
.mini .go{margin-top:auto;padding-top:14px;font-size:11px;letter-spacing:.09em;text-transform:uppercase;color:var(--gold);transition:color .2s}
.mini:hover .go{color:var(--gold-lt)}

/* ================= TRUST LIST ================= */
.trust-grid{display:grid;grid-template-columns:1fr;gap:44px}
@media (min-width:1024px){.trust-grid{grid-template-columns:1.05fr 1fr;gap:60px}}
.tlist li{padding:22px 0;border-bottom:1px solid var(--line)}
.tlist li:first-child{padding-top:0}
.tlist li:last-child{border-bottom:0}
.tlist b{display:block;font-size:16px;font-weight:500;letter-spacing:.02em;color:#fff;margin-bottom:7px}
.tlist span{display:block;font-size:13px;font-weight:300;line-height:1.8;color:var(--muted)}
.idcard{padding:30px 28px}
.idcard h3{font-size:16px;font-weight:500;letter-spacing:.06em;text-transform:uppercase;color:var(--gold);margin-bottom:20px}
.idcard dl{display:grid;grid-template-columns:auto 1fr;gap:12px 20px;font-size:13px;font-weight:300}
.idcard dt{color:var(--faint)}
.idcard dd{text-align:right;color:var(--ink)}
.idcard dd a:hover{color:var(--gold)}
.byline{margin-top:24px;padding-top:20px;border-top:1px solid var(--line);font-size:11.5px;font-weight:300;line-height:1.8;color:var(--faint)}
.byline a{color:var(--gold);border-bottom:1px solid rgba(212,175,106,.35)}

/* ================= FORM ON DARK ================= */
.form{padding:32px 28px;background:rgba(11,12,13,.78);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);
  border:1px solid var(--line-gold);border-radius:16px;text-align:left;text-shadow:none}
@media (min-width:768px){.form{padding:38px 34px}}
.form h3{font-size:13px;font-weight:500;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:22px}
.field{width:100%;background:transparent;border:0;border-bottom:1px solid rgba(255,255,255,.22);border-radius:0;
  padding:13px 0;font-size:15px;font-weight:300;color:#fff;outline:none;transition:border-color .2s;margin-bottom:6px}
.field::placeholder{color:var(--faint)}
.field:focus{border-color:var(--gold)}
select.field{appearance:none;-webkit-appearance:none;cursor:pointer;
  background-image:linear-gradient(45deg,transparent 50%,var(--gold) 50%),linear-gradient(135deg,var(--gold) 50%,transparent 50%);
  background-position:calc(100% - 11px) 22px,calc(100% - 6px) 22px;background-size:5px 5px;background-repeat:no-repeat}
select.field option{background:#141618;color:#fff}
.consent{display:flex;gap:11px;align-items:flex-start;margin:22px 0 4px;font-size:11px;font-weight:300;line-height:1.65;color:var(--dim);cursor:pointer}
.consent input{margin-top:2px;width:15px;height:15px;flex:none;accent-color:var(--gold-mid);cursor:pointer}
.form .btn-gold{width:100%;margin-top:18px}
.form .fine{font-size:10px;font-weight:300;line-height:1.65;color:var(--faint);margin-top:14px}
.form .alt{display:block;margin-top:14px;text-align:center;font-size:12px;font-weight:300;color:var(--gold)}
.form .alt:hover{color:var(--gold-lt);text-decoration:underline;text-underline-offset:4px}

/* ================= STATS ================= */
.authority{display:grid;grid-template-columns:1fr;gap:44px;align-items:center}
@media (min-width:1024px){.authority{grid-template-columns:1fr 1fr;gap:56px}}
.authority .big{font-size:22px;font-weight:300;line-height:1.4;margin-bottom:22px}
@media (min-width:768px){.authority .big{font-size:27px}}
.stats{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.stat{padding:26px 24px}
.stat b{display:block;font-size:32px;font-weight:600;line-height:1;color:var(--gold)}
.stat span{display:block;font-size:12px;font-weight:300;color:var(--dim);margin-top:9px}

/* ================= PLAN CARDS ================= */
.plan{padding:34px 30px;display:flex;flex-direction:column}
.plan--feat{background:rgba(212,175,106,.07);border:2px solid rgba(212,175,106,.55);border-radius:16px;position:relative}
.plan .kick{font-size:10px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.plan h3{font-size:21px;font-weight:400;letter-spacing:.04em;margin-bottom:14px}
.plan .price{font-size:44px;font-weight:600;line-height:1;margin-bottom:6px}
.plan .price small{font-size:14px;font-weight:300;color:var(--dim);letter-spacing:0}
.plan > p{font-size:13px;font-weight:300;line-height:1.75;color:var(--muted)}
.ticks{margin-top:22px}
.ticks li{display:flex;gap:12px;align-items:flex-start;margin-bottom:13px;font-size:13px;font-weight:300;line-height:1.65;color:var(--muted)}
.ticks li::before{content:"✓";color:var(--gold);flex:none;font-size:13px;line-height:1.5}
.ticks li b{color:#fff;font-weight:500}
.plan .when{margin-top:22px;padding-top:20px;border-top:1px solid var(--line);font-size:13px;font-weight:300;line-height:1.7;color:var(--muted)}
.plan .when b{color:var(--gold-lt);font-weight:500}
.tagpop{position:absolute;top:-13px;left:50%;transform:translateX(-50%);white-space:nowrap;
  background:linear-gradient(100deg,var(--gold-dk),#fbf3d4 50%,var(--gold-dk));color:#1a1306;
  font-size:9px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:5px 13px;border-radius:999px}

/* ================= CALCULATOR ================= */
.calc-sec{position:relative;width:100%;overflow:hidden}
.calc-sec__media{position:absolute;inset:0;z-index:0;background:linear-gradient(180deg,#241d16,#0b0c0d)}
.calc-sec__media img{width:100%;height:100%;object-fit:cover}
.calc-sec__media::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,var(--bg) 0%,rgba(11,12,13,.55) 42%,rgba(11,12,13,.62) 62%,var(--bg) 100%)}
.calc-grid{position:relative;z-index:10;display:grid;grid-template-columns:1fr;gap:44px;align-items:center;padding-block:80px}
@media (min-width:1024px){.calc-grid{grid-template-columns:1fr 1fr;gap:60px}}
.calc-grid h2{font-size:clamp(22px,3.2vw,34px);font-weight:300;line-height:1.35;margin:14px 0 18px}
.calc{padding:32px 28px}
@media (min-width:768px){.calc{padding:38px 36px}}
.calc__row{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:4px;gap:12px}
.calc__row .lbl{font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--faint)}
.calc__row .val{font-size:26px;font-weight:600;color:#fff}
.calc__row .val--sm{font-size:19px}
.scale{display:flex;justify-content:space-between;font-size:10px;color:var(--faint);margin-bottom:26px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:26px;background:transparent;cursor:pointer;margin:6px 0 2px}
input[type=range]::-webkit-slider-runnable-track{height:3px;border-radius:2px;background:linear-gradient(90deg,var(--gold-mid) var(--fill,40%),rgba(255,255,255,.16) var(--fill,40%))}
input[type=range]::-moz-range-track{height:3px;border-radius:2px;background:linear-gradient(90deg,var(--gold-mid) var(--fill,40%),rgba(255,255,255,.16) var(--fill,40%))}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;margin-top:-8.5px;border-radius:50%;background:var(--gold-lt);border:3px solid #0b0c0d;box-shadow:0 2px 10px rgba(0,0,0,.6)}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--gold-lt);border:3px solid #0b0c0d;box-shadow:0 2px 10px rgba(0,0,0,.6)}
.apr-line{display:flex;justify-content:space-between;align-items:center;font-size:11px;font-weight:300;color:var(--dim);border-bottom:1px solid var(--line);padding-bottom:12px;margin-bottom:18px}
.apr-line span:last-child{color:#fff}
.res-main{display:flex;justify-content:space-between;align-items:center;gap:12px;background:rgba(212,175,106,.1);border:1px solid rgba(212,175,106,.32);border-radius:10px;padding:16px 18px;margin-bottom:12px}
.res-main .k{font-size:12px;font-weight:300;color:#dfe3e6}
.res-main .v{font-size:21px;font-weight:600;color:var(--gold)}
.res-two{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.res-box{border:1px solid var(--line);border-radius:10px;padding:13px 16px}
.res-box p:first-child{font-size:10px;font-weight:300;color:var(--faint);margin-bottom:4px}
.res-box p:last-child{font-size:16px;font-weight:600}
.res-alt{margin-top:12px;border:1px dashed rgba(212,175,106,.35);border-radius:10px;padding:14px 16px;display:flex;justify-content:space-between;align-items:center;gap:12px}
.res-alt .k{font-size:11.5px;font-weight:300;color:var(--muted);line-height:1.5}
.res-alt .v{font-size:17px;font-weight:600;color:var(--gold-lt);white-space:nowrap}
.res-alt.off{opacity:.5}
.calc .fine{font-size:9.5px;font-weight:300;line-height:1.6;color:var(--faint);margin-top:18px}

/* ================= AMOUNT CLUSTER ================= */
.amt-card{padding:26px 22px;display:flex;flex-direction:column;align-items:center;text-align:center}
.amt-card .up{font-size:10px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.amt-card .num{font-size:30px;font-weight:600;line-height:1}
.amt-card .desc{font-size:11px;font-weight:300;color:var(--dim);margin:12px 0 24px}
.amt-card .go{margin-top:auto;font-size:12px;letter-spacing:.04em;color:rgba(255,255,255,.8);transition:color .2s}
.amt-card:hover .go{color:var(--gold)}
.amt-card--feat{position:relative;grid-column:span 2;order:-1;background:rgba(212,175,106,.07);border:2px solid rgba(212,175,106,.55);border-radius:16px;padding:30px 24px}
@media (min-width:1024px){.amt-card--feat{grid-column:span 1;order:0}}
.amt-card--feat .num{font-size:34px}
.amt-card--feat .desc{color:#cbb88a}
.amt-card--feat .go{color:var(--gold-lt)}

/* ================= TABLES ================= */
.tablewrap{border:1px solid var(--line);border-radius:14px;background:rgba(255,255,255,.03);overflow:hidden;margin-bottom:24px}
.tablescroll{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:13px;font-weight:300;min-width:720px}
caption{text-align:left;padding:16px 22px;font-size:12px;color:var(--faint);border-bottom:1px solid var(--line)}
th,td{padding:13px 22px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
thead th{font-size:10.5px;font-weight:500;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);background:rgba(255,255,255,.03);white-space:nowrap}
tbody th{font-weight:500;font-size:13px;color:#fff}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
tr.is-us{background:rgba(212,175,106,.09)}
.warn{color:#e08a76;font-weight:500}
.example{border-left:2px solid var(--gold-mid);background:rgba(255,255,255,.03);padding:20px 24px;border-radius:0 12px 12px 0;font-size:13px;font-weight:300;line-height:1.75;color:var(--muted)}
.example b{color:#fff;font-weight:500}

/* ================= CALLOUT ================= */
.callout{margin-top:26px;border:1px solid var(--line);border-left:2px solid var(--gold-mid);border-radius:0 14px 14px 0;background:rgba(255,255,255,.03);padding:30px 32px}
.callout h3{font-size:19px;font-weight:400;line-height:1.35;margin-bottom:12px;max-width:30ch}
.callout > p{font-size:13.5px;font-weight:300;line-height:1.8;color:var(--muted)}
.callout__cols{display:grid;grid-template-columns:1fr;gap:22px;margin-top:24px;padding-top:24px;border-top:1px solid var(--line)}
@media (min-width:900px){.callout__cols{grid-template-columns:repeat(3,1fr);gap:28px}}
.inline-link{color:var(--gold);border-bottom:1px solid rgba(212,197,139,.35);transition:border-color .2s}
.inline-link:hover{border-bottom-color:var(--gold)}
.callout__more{margin:22px 0 0;padding-top:20px;border-top:1px solid var(--line);font-size:13px;font-weight:400}
.callout__cols h4{font-size:13px;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-bottom:8px}
.callout__cols p{font-size:12.5px;font-weight:300;line-height:1.7;color:var(--dim)}

/* ================= REVIEWS ================= */
.stars{display:flex;gap:3px}
.stars i{width:22px;height:22px;background:var(--ok);border-radius:3px;display:grid;place-items:center;font-style:normal}
.stars i svg{width:14px;height:14px;fill:#fff}
.tp-bar{padding:26px 28px;margin-bottom:14px;display:grid;grid-template-columns:1fr;gap:28px;align-items:center}
@media (min-width:900px){.tp-bar{grid-template-columns:auto 1fr auto;gap:48px;padding:30px 34px}}
.tp-brand{display:flex;align-items:center;gap:10px}
.tp-brand svg{width:22px;height:22px;fill:var(--ok);flex:none}
.tp-brand b{font-size:17px;font-weight:600;letter-spacing:-.01em;color:#fff}
.tp-score{display:flex;flex-direction:column;gap:11px}
.tp-score .word{font-size:14px;font-weight:600;letter-spacing:.05em;color:var(--ok)}
.tp-score .num{font-size:44px;font-weight:600;line-height:1;color:#fff;letter-spacing:-.02em}
.tp-score .numrow{display:flex;align-items:baseline;gap:10px}
.tp-score .numrow em{font-style:normal;font-size:13px;font-weight:300;color:var(--dim)}
.tp-score .meta{font-size:12px;font-weight:300;line-height:1.6;color:var(--faint)}
.dist{display:flex;flex-direction:column;gap:8px;min-width:0}
.dist__row{display:grid;grid-template-columns:46px 1fr 40px;align-items:center;gap:14px;font-size:11.5px;font-weight:300;color:var(--dim)}
.dist__track{height:8px;border-radius:4px;background:rgba(255,255,255,.09);overflow:hidden}
.dist__fill{height:100%;border-radius:4px;background:var(--ok)}
.dist__row--low .dist__fill{background:rgba(255,255,255,.26)}
.dist__row span:last-child{text-align:right;color:var(--faint)}

.rev{padding:28px 26px 24px;display:flex;flex-direction:column;position:relative}
.rev__top{display:flex;align-items:center;gap:12px;margin-bottom:18px}
.rev__av{width:38px;height:38px;border-radius:50%;flex:none;display:grid;place-items:center;
  background:linear-gradient(150deg,rgba(212,175,106,.32),rgba(212,175,106,.10));
  border:1px solid rgba(212,175,106,.35);font-size:14px;font-weight:600;color:var(--gold-lt)}
.rev__who{flex:1;min-width:0}
.rev__who b{display:block;font-size:13.5px;font-weight:500;color:#fff;line-height:1.3}
.rev__who span{display:block;font-size:11px;font-weight:300;color:var(--faint);margin-top:2px}
.rev__date{font-size:10.5px;font-weight:300;color:var(--faint);white-space:nowrap;align-self:flex-start;margin-top:3px}
.rev .stars{margin-bottom:16px}
.rev .stars i{width:18px;height:18px;border-radius:2px}
.rev .stars i svg{width:11px;height:11px}
.rev .stars i.off{background:rgba(255,255,255,.14)}
.rev h3{font-size:14.5px;font-weight:500;line-height:1.35;margin-bottom:10px;color:#fff}
.rev p{font-size:13px;font-weight:300;line-height:1.72;color:var(--muted);flex-grow:1;margin-bottom:20px}
.rev__foot{display:flex;align-items:center;justify-content:space-between;gap:8px;
  border-top:1px solid var(--line);padding-top:16px;font-size:11px;flex-wrap:wrap}
.rev__chip{border:1px solid rgba(212,175,106,.3);border-radius:999px;padding:3px 11px;color:var(--gold);
  font-size:10px;letter-spacing:.05em;text-transform:uppercase;white-space:nowrap}
.rev__ver{display:flex;align-items:center;gap:5px;color:var(--ok);font-size:10px;letter-spacing:.02em;white-space:nowrap}
.rev__ver svg{width:12px;height:12px;fill:var(--ok);flex:none}
.rev-note{margin-top:22px;font-size:11.5px;font-weight:300;line-height:1.75;color:var(--faint);max-width:78ch}

/* ================= PROS CONS ================= */
.pc h3{font-size:17px;font-weight:500;letter-spacing:.06em;margin-bottom:20px}
.pc li{display:flex;gap:12px;align-items:flex-start;margin-bottom:14px;font-size:13px;font-weight:300;line-height:1.7;color:var(--muted)}
.pc li::before{flex:none;font-size:13px;line-height:1.5}
.pc--up li::before{content:"+";color:var(--gold)}
.pc--down li::before{content:"−";color:#e08a76}

/* ================= GUIDES ================= */
.guide{padding:26px 24px;display:flex;flex-direction:column}
.guide .k{font-size:10px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.guide h3{font-size:16px;font-weight:500;line-height:1.4;margin-bottom:10px}
.guide p{font-size:12.5px;font-weight:300;line-height:1.7;color:var(--dim);margin-bottom:16px}
.guide .t{margin-top:auto;font-size:11px;font-weight:300;color:var(--faint)}

/* ================= FAQ ================= */
.faq{max-width:900px;margin-inline:auto}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:20px 44px 20px 0;position:relative;font-size:15px;font-weight:400;letter-spacing:.02em}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:10px;top:26px;width:9px;height:9px;border-right:1.6px solid var(--gold);border-bottom:1.6px solid var(--gold);transform:rotate(45deg);transition:transform .25s}
.faq details[open] summary::after{transform:rotate(-135deg);top:30px}
.faq-more{margin:28px 0 0;padding-top:22px;border-top:1px solid var(--line);font-size:13px;font-weight:400}
.faq p{font-size:13px;font-weight:300;line-height:1.85;color:var(--muted);padding:0 20px 22px 0}

/* ================= FINAL CTA ================= */
.final{position:relative;width:100%;overflow:hidden}
.final__media{position:absolute;inset:0;z-index:0;background:linear-gradient(120deg,#2c2318,#0b0c0d)}
.final__media img{width:100%;height:100%;object-fit:cover;object-position:68% center}
.final__media::after{content:"";position:absolute;inset:0;
  background:linear-gradient(90deg,rgba(11,12,13,.94) 0%,rgba(11,12,13,.86) 32%,rgba(11,12,13,.45) 55%,rgba(11,12,13,.12) 100%),
             linear-gradient(180deg,var(--bg) 0%,transparent 16%,transparent 84%,var(--bg) 100%)}
.final__in{position:relative;z-index:10;max-width:1200px;margin-inline:auto;padding:82px 32px;
  display:grid;grid-template-columns:1fr;gap:44px;align-items:center}
@media (min-width:1024px){.final__in{grid-template-columns:minmax(0,560px) 1fr;gap:64px;padding-block:120px}}
.final__fine{margin-top:26px;font-size:11px;font-weight:300;line-height:1.7;color:#9aa4a8;max-width:430px}
.final__copy{text-shadow:0 2px 12px rgba(0,0,0,.75)}
.final__in h2{font-size:clamp(27px,4vw,42px);font-weight:300;line-height:1.18;margin:18px 0 20px;color:#fff}
.final__in .final__copy > p{font-size:15px;font-weight:300;line-height:1.75;color:#e8ebed;max-width:480px;margin:0 0 30px}
.final__marks{display:flex;flex-wrap:wrap;align-items:center;gap:10px 26px;margin-top:28px;font-size:12px;color:#fff}
.final__marks span{display:flex;align-items:center;gap:8px}
.final__marks svg{width:15px;height:15px;fill:var(--gold);flex:none}

/* ================= FOOTER ================= */
.foot{border-top:1px solid var(--line);margin-top:16px}
.foot__grid{display:grid;grid-template-columns:repeat(2,1fr);gap:36px;padding-block:52px 12px}
@media (min-width:768px){.foot__grid{grid-template-columns:repeat(4,1fr)}}
.foot__brand{grid-column:span 2}
@media (min-width:768px){.foot__brand{grid-column:span 1}}
.foot__brand .row{display:flex;align-items:center;gap:9px;margin-bottom:16px}
.foot__brand .row svg{width:24px;height:24px;stroke:var(--gold);fill:none;stroke-width:1.5}
.foot__brand .row span{font-size:13px;font-weight:500;letter-spacing:.15em;text-transform:uppercase;color:#fff}
.foot__brand > p{font-size:12px;font-weight:300;line-height:1.75;color:var(--dim);max-width:270px}
.foot__contact{margin-top:20px;display:flex;flex-direction:column;gap:11px;font-size:12px;font-weight:300;color:var(--dim)}
.foot__contact a,.foot__contact p{display:flex;align-items:flex-start;gap:10px;transition:color .2s}
.foot__contact a:hover{color:var(--gold)}
.foot__contact svg{width:14px;height:14px;stroke:var(--gold);fill:none;stroke-width:1.5;flex:none;margin-top:3px}
.foot__h{font-size:11px;font-weight:500;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.9);margin:0 0 16px}
.foot__col a{display:block;font-size:13px;font-weight:300;color:var(--dim);margin-bottom:11px;transition:color .2s}
.foot__col a:hover{color:var(--gold)}
.disclose{padding-bottom:26px}
.disclose p{font-size:10.5px;font-weight:300;line-height:1.85;color:var(--faint);margin-bottom:10px}
.disclose b{color:var(--dim);font-weight:500}
.disclose a{border-bottom:1px solid rgba(255,255,255,.2)}
.foot__end{border-top:1px solid var(--line);padding-block:20px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;font-size:10.5px;letter-spacing:.04em;color:var(--faint)}


/* ================= SUB-PAGE COMPONENTS ================= */
.subhero{position:relative;overflow:hidden;border-bottom:1px solid var(--line)}
.subhero__media{position:absolute;inset:0;z-index:0;background:linear-gradient(140deg,#2a2118,#0b0c0d)}
.subhero__media img{width:100%;height:100%;object-fit:cover;object-position:center 40%}
.subhero__media::after{content:"";position:absolute;inset:0;
  background:linear-gradient(90deg,rgba(11,12,13,.82) 0%,rgba(11,12,13,.46) 52%,rgba(11,12,13,.06) 100%),
             linear-gradient(180deg,rgba(11,12,13,.42) 0%,transparent 32%,transparent 68%,rgba(11,12,13,.66) 100%)}
.subhero__in{position:relative;z-index:10;padding-block:clamp(52px,7vw,88px)}
.subhero h1{font-size:clamp(30px,4.6vw,52px);font-weight:300;line-height:1.14;letter-spacing:-.01em;color:#fff;max-width:19ch;margin-bottom:20px;text-shadow:0 2px 18px rgba(0,0,0,.85),0 1px 3px rgba(0,0,0,.6)}
.subhero h1 b{font-weight:600}
.subhero__lede{font-size:clamp(15px,1.9vw,18px);font-weight:400;line-height:1.7;color:#f2f5f6;max-width:60ch;text-shadow:0 2px 14px rgba(0,0,0,.9),0 1px 2px rgba(0,0,0,.7)}
.crumb{display:flex;gap:9px;align-items:center;font-size:11.5px;font-weight:500;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.82);margin-bottom:22px;flex-wrap:wrap;text-shadow:0 1px 8px rgba(0,0,0,.9)}
.crumb a{color:var(--gold-lt)}
.crumb a:hover{color:var(--gold-lt)}
.crumb span{color:rgba(255,255,255,.72)}

.prose{max-width:74ch;min-width:0}
.prose p{font-size:15px;font-weight:300;line-height:1.85;color:var(--muted);margin-bottom:18px}
.prose p strong,.prose li strong{color:#fff;font-weight:500}
.prose h3{font-size:19px;font-weight:500;letter-spacing:.02em;color:#fff;margin:34px 0 12px}
.prose ul{margin:0 0 18px}
.prose ul li{position:relative;padding-left:22px;margin-bottom:11px;font-size:15px;font-weight:300;line-height:1.75;color:var(--muted)}
.prose ul li::before{content:"";position:absolute;left:0;top:11px;width:6px;height:6px;border-radius:50%;background:var(--gold)}

.walk{display:grid;grid-template-columns:1fr;gap:0}
.walk__item{display:grid;grid-template-columns:minmax(0,1fr);gap:8px;min-width:0;padding:38px 0;border-top:1px solid var(--line)}
@media (min-width:900px){.walk__item{grid-template-columns:210px minmax(0,1fr);gap:44px}}
.walk__no{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.walk__no b{display:block;font-family:var(--display);font-size:22px;font-weight:500;letter-spacing:.01em;color:#fff;margin-top:6px;line-height:1.25}
.walk__no em{display:block;font-style:normal;font-size:12px;font-weight:300;color:var(--faint);margin-top:8px;letter-spacing:0;text-transform:none}

.keyfact{border-left:2px solid var(--gold-mid);background:rgba(255,255,255,.03);border-radius:0 12px 12px 0;
  padding:18px 22px;margin:22px 0;font-size:14px;font-weight:300;line-height:1.75;color:var(--muted)}
.keyfact b{color:var(--gold-lt);font-weight:500}

.pagenav{display:grid;grid-template-columns:1fr;gap:16px;margin-top:12px}
@media (min-width:700px){.pagenav{grid-template-columns:1fr 1fr}}
.pagenav a{display:block;border:1px solid var(--line);border-radius:14px;padding:22px 24px;transition:border-color .2s}
.pagenav a:hover{border-color:var(--gold)}
.pagenav span{display:block;font-size:10px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:8px}
.pagenav b{display:block;font-size:16px;font-weight:500;color:#fff;margin-bottom:6px}
.pagenav p{font-size:13px;font-weight:300;line-height:1.65;color:var(--dim);margin:0}

/* ========== MAIN SUB-PAGE: visual components (NOT for legal pages) ========== */
.walk__item{align-items:start}
.walk__no{position:relative}
.walk__num{font-family:var(--display);font-size:60px;font-weight:200;line-height:1;letter-spacing:-.02em;
  color:transparent;-webkit-text-stroke:1px rgba(212,175,106,.55);display:block;margin-bottom:14px}
@media (min-width:900px){.walk__num{font-size:76px}}
.walk__ico{width:40px;height:40px;border-radius:10px;display:grid;place-items:center;margin-bottom:16px;
  background:rgba(212,175,106,.10);border:1px solid var(--line-gold)}
.walk__ico svg{width:20px;height:20px;stroke:var(--gold);fill:none;stroke-width:1.4}

/* photo break band with a single pulled-out fact */
.photoband{position:relative;overflow:hidden;margin:0}
.photoband__media{position:absolute;inset:0;z-index:0;background:linear-gradient(140deg,#241d16,#0b0c0d)}
.photoband__media img{width:100%;height:100%;object-fit:cover}
.photoband__media::after{content:"";position:absolute;inset:0;
  background:linear-gradient(90deg,rgba(11,12,13,.84) 0%,rgba(11,12,13,.44) 54%,rgba(11,12,13,.04) 100%),
             linear-gradient(180deg,var(--bg) 0%,transparent 18%,transparent 82%,var(--bg) 100%)}
.photoband__in{position:relative;z-index:10;padding-block:clamp(56px,7vw,92px);max-width:640px}
.photoband__in .eyebrow{margin-bottom:14px;text-shadow:0 1px 8px rgba(0,0,0,.9)}
.photoband__big{font-family:var(--display);font-size:clamp(30px,4.4vw,46px);font-weight:300;line-height:1.2;color:#fff;margin-bottom:16px;text-shadow:0 2px 18px rgba(0,0,0,.85),0 1px 3px rgba(0,0,0,.6)}
.photoband__big b{font-weight:600;color:var(--gold-lt)}
.photoband__in p{font-size:15px;font-weight:400;line-height:1.75;color:#f2f5f6;margin:0;text-shadow:0 2px 14px rgba(0,0,0,.9),0 1px 2px rgba(0,0,0,.7)}
.photoband__in .photoband__big{margin-bottom:18px}

/* compact numbered timeline used inside a section */
.mini-tl{position:relative;margin-top:8px;max-width:80ch}
.mini-tl::before{content:"";position:absolute;left:9px;top:8px;bottom:8px;width:1px;background:var(--line)}
.mini-tl__i{position:relative;padding-left:40px;margin-bottom:28px}
.mini-tl__i:last-child{margin-bottom:0}
.mini-tl__i::before{content:"";position:absolute;left:4px;top:6px;width:11px;height:11px;border-radius:50%;
  background:var(--gold);box-shadow:0 0 0 4px var(--bg)}
.mini-tl__i h3{font-size:16px;font-weight:500;color:#fff;margin-bottom:7px;letter-spacing:.01em}
.mini-tl__i p{font-size:14px;font-weight:300;line-height:1.75;color:var(--muted);margin:0}
.mini-tl__i p+p{margin-top:10px}

/* small stat row that can sit inside any section */
.statrow{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:26px 0 0}
@media (min-width:820px){.statrow{grid-template-columns:repeat(4,1fr)}}
.statrow div{border:1px solid var(--line);border-radius:12px;padding:20px 18px}
.statrow b{display:block;font-family:var(--display);font-size:24px;font-weight:600;color:var(--gold);line-height:1}
.statrow span{display:block;font-size:11.5px;font-weight:300;color:var(--dim);margin-top:8px;line-height:1.5}

/* ========== REVEAL BAR: hidden by default, slides in when scrolling up ========== */
.revealbar{
  position:fixed;top:0;left:0;right:0;z-index:900;
  transform:translateY(-101%);transition:transform .3s cubic-bezier(.4,0,.2,1);
  background:rgba(11,12,13,.93);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid var(--line-gold);box-shadow:0 8px 28px rgba(0,0,0,.45);
}
.revealbar.on{transform:translateY(0)}
.revealbar__in{display:flex;align-items:center;justify-content:space-between;gap:18px;
  max-width:1440px;margin-inline:auto;padding:11px 24px}
@media (min-width:768px){.revealbar__in{padding:11px 64px}}
.revealbar .brand svg{width:26px;height:26px}
.revealbar .brand span{font-size:13px}
.revealbar__right{display:flex;align-items:center;gap:14px}
  color:#1a1306;background:linear-gradient(100deg,var(--gold-dk) 0%,#f3e2ac 30%,#fbf3d4 50%,#f3e2ac 70%,var(--gold-dk) 100%);
  padding:10px 22px;border-radius:999px;white-space:nowrap;transition:filter .2s}
.revealbar .menu > summary{width:38px;height:38px}

/* ========== MOBILE STICKY APPLY BAR (under 768px) ========== */
.sticky{
  position:fixed;left:0;right:0;bottom:0;z-index:880;
  transform:translateY(115%);transition:transform .3s cubic-bezier(.4,0,.2,1);
  background:rgba(11,12,13,.94);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  border-top:1px solid var(--line-gold);box-shadow:0 -10px 30px rgba(0,0,0,.5);
}
.sticky.on{transform:translateY(0)}
@media (min-width:768px){.sticky{display:none}}
.sticky__in{display:flex;align-items:center;justify-content:space-between;gap:14px;
  padding:11px 18px calc(11px + env(safe-area-inset-bottom))}
.sticky__in .l p:first-child{font-size:9.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin:0}
.sticky__in .l p:last-child{font-size:15px;font-weight:600;color:#fff;margin:2px 0 0;letter-spacing:-.01em}
.sticky__in .btn-gold{padding:13px 30px;font-size:12.5px;letter-spacing:.12em;flex:none}

/* ========== BACK TO TOP (768px and up) ========== */
.totop{
  position:fixed;right:26px;bottom:26px;z-index:880;width:50px;height:50px;
  display:none;place-items:center;border-radius:50%;cursor:pointer;
  background:rgba(11,12,13,.86);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);
  border:1px solid var(--line-gold);box-shadow:0 10px 26px rgba(0,0,0,.5);
  opacity:0;transform:translateY(14px);pointer-events:none;
  transition:opacity .28s ease,transform .28s ease,border-color .2s ease,background .2s ease;
}
@media (min-width:768px){.totop{display:grid}}
.totop.on{opacity:1;transform:translateY(0);pointer-events:auto}
.totop:hover{border-color:var(--gold);background:rgba(20,18,16,.95)}
.totop svg{width:19px;height:19px;stroke:var(--gold);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
@media (min-width:1200px){.totop{right:40px;bottom:40px}}

/* public reply under a critical review */
.rev__reply{margin:4px 0 16px;padding:16px 18px;border-radius:10px;
  background:rgba(212,175,106,.07);border:1px solid var(--line-gold)}
.rev__reply b{display:block;font-size:11px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:8px}
.rev__reply p{font-size:12.5px;font-weight:300;line-height:1.7;color:var(--muted);margin:0}

/* ================= LEGAL DOCUMENT TEMPLATE ================= */
/* Deliberately plain. No cards, no photos, no stats - these should read as
   documents, and the contrast with the marketing pages is the point. */
.leghero{border-bottom:1px solid var(--line);background:rgba(255,255,255,.02)}
.leghero__in{padding-block:clamp(38px,5vw,64px)}
.leghero h1{font-size:clamp(26px,3.6vw,40px);font-weight:300;line-height:1.18;color:#fff;max-width:24ch;margin:14px 0 16px}
.leghero .meta{font-size:12px;font-weight:300;color:var(--faint);letter-spacing:.02em}
.leghero .meta b{color:var(--muted);font-weight:400}
.leghero__lede{font-size:15px;font-weight:300;line-height:1.75;color:var(--muted);max-width:66ch;margin-top:14px}

.toc{border:1px solid var(--line);border-radius:12px;padding:24px 26px;margin-bottom:44px;background:rgba(255,255,255,.02)}
.toc h2{font-size:12px;font-weight:500;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:16px}
.toc ol{list-style:none;counter-reset:t;columns:2;column-gap:34px}
@media (max-width:700px){.toc ol{columns:1}}
.toc li{counter-increment:t;margin-bottom:9px;font-size:13.5px;font-weight:300;break-inside:avoid}
.toc li::before{content:counter(t) ". ";color:var(--faint)}
.toc a{color:var(--muted)}
.toc a:hover{color:var(--gold)}

.doc{max-width:80ch;counter-reset:sec}
.doc h2{counter-increment:sec;font-size:19px;font-weight:500;letter-spacing:.01em;color:#fff;
  margin:46px 0 16px;padding-top:30px;border-top:1px solid var(--line);scroll-margin-top:90px}
.doc h2::before{content:counter(sec) ". ";color:var(--gold);font-weight:400}
.doc h2:first-of-type{margin-top:0;padding-top:0;border-top:0}
.doc h3{font-size:15px;font-weight:500;color:#fff;margin:26px 0 10px}
.doc p{font-size:14.5px;font-weight:300;line-height:1.85;color:var(--muted);margin-bottom:15px}
.doc p strong,.doc li strong{color:#fff;font-weight:500}
.doc ul,.doc ol{margin:0 0 16px;padding-left:0}
.doc ul li{position:relative;padding-left:20px;margin-bottom:10px;font-size:14.5px;font-weight:300;line-height:1.8;color:var(--muted)}
.doc ul li::before{content:"";position:absolute;left:0;top:11px;width:5px;height:5px;border-radius:50%;background:var(--gold-dk)}
.doc ol{counter-reset:li;list-style:none}
.doc ol li{counter-increment:li;position:relative;padding-left:28px;margin-bottom:10px;font-size:14.5px;font-weight:300;line-height:1.8;color:var(--muted)}
.doc ol li::before{content:"(" counter(li,lower-alpha) ")";position:absolute;left:0;color:var(--faint)}
.doc .box{border:1px solid var(--line);border-left:2px solid var(--gold-mid);border-radius:0 10px 10px 0;
  background:rgba(255,255,255,.03);padding:18px 22px;margin:22px 0;font-size:14px;line-height:1.8;color:var(--muted)}
.doc .box b{color:var(--gold-lt);font-weight:500}
.doc .box p:last-child{margin-bottom:0}
.doc table{min-width:0;font-size:13.5px}
.doc .tablewrap{margin:20px 0}
.doc a{color:var(--gold)}
.doc a:hover{color:var(--gold-lt)}

/* ================= APPLY PAGE ================= */
.applygrid{display:grid;grid-template-columns:1fr;gap:36px;align-items:start}
@media (min-width:1000px){.applygrid{grid-template-columns:minmax(0,1fr) 490px;gap:60px;align-items:center}}

.applyrail .eyebrow{margin-bottom:14px}
.applyrail h2{font-size:clamp(23px,2.4vw,30px);font-weight:300;line-height:1.25;color:#fff;margin-bottom:16px;letter-spacing:-.01em;max-width:none;text-wrap:balance}
.applyrail h2 b{font-weight:600}
.applyrail__lede{font-size:15px;font-weight:300;line-height:1.75;color:var(--muted);margin-bottom:32px;max-width:44ch}
.applyrail h3{font-size:12px;font-weight:500;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin-bottom:20px}
.applyrail ul{list-style:none;margin:0 0 30px}
.applyrail li{position:relative;padding-left:30px;margin-bottom:18px;font-size:14px;font-weight:300;line-height:1.7;color:var(--muted)}
.applyrail li b{display:block;color:#fff;font-weight:500;font-size:14.5px;margin-bottom:3px}
.applyrail li svg{position:absolute;left:0;top:2px;width:18px;height:18px;stroke:var(--gold);fill:none;stroke-width:1.6}
.applyrail .note{font-size:12.5px;font-weight:300;line-height:1.7;color:var(--faint);padding-top:22px;border-top:1px solid var(--line)}

/* the embed is third-party, so it sits on a light card and cannot look broken */
.formcard{position:relative;z-index:1;isolation:isolate;
  width:100%;background:#fbfbfa;border-radius:18px;padding:14px;
  border:3px solid var(--gold-mid);
  box-shadow:0 0 0 1px rgba(11,12,13,.7), 0 0 46px -12px rgba(212,175,106,.32), 0 30px 60px -20px rgba(0,0,0,.65)}
/* the embedded form sets its own z-index; isolate keeps it inside this card */
.formcard__inner{isolation:isolate;position:relative;z-index:0;overflow:hidden}
.formcard__head{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:14px 18px 16px}
.formcard__head p{margin:0;font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:#8a7443}
.formcard__head span{display:flex;align-items:center;gap:6px;font-size:11.5px;font-weight:500;color:#3f6b52}
.formcard__head svg{width:14px;height:14px;fill:#3f6b52}
.formcard__inner{background:#fff;border-radius:12px;padding:22px 20px;min-height:520px;color:#1f1f1f;
  font-family:var(--body);font-size:15px}
@media (min-width:768px){.formcard__inner{padding:30px 30px}}
.formcard__inner a{color:#8a6520}
.formfall{font-size:14px;font-weight:300;line-height:1.7;color:#5b5b5b;text-align:center;padding:40px 10px}
.formfall b{display:block;color:#1f1f1f;font-weight:600;margin-bottom:8px}
.formcol{width:100%;max-width:490px;margin-inline:auto}
.formterms{margin:18px 0 0;text-align:center;font-size:12px;font-weight:300;
  line-height:1.75;color:var(--faint)}
.formterms a{color:var(--gold);border-bottom:1px solid rgba(212,175,106,.35)}
.formterms a:hover{color:var(--gold-lt)}

.steps3{display:grid;grid-template-columns:1fr;gap:26px;counter-reset:n}
@media (min-width:820px){.steps3{grid-template-columns:repeat(3,1fr);gap:34px}}
.steps3 div{counter-increment:n;padding-top:22px;border-top:1px solid var(--line)}
.steps3 div::before{content:"0" counter(n);display:block;font-family:var(--display);font-size:13px;font-weight:500;letter-spacing:.14em;color:var(--gold);margin-bottom:12px}
.steps3 h3{font-size:16px;font-weight:500;color:#fff;margin-bottom:8px}
.steps3 p{font-size:13.5px;font-weight:300;line-height:1.75;color:var(--muted);margin:0}

/* plain hero: no photograph, content centred */
.subhero--plain{border-bottom:0;background:
  radial-gradient(760px 300px at 50% -10%, rgba(212,175,106,.10), transparent 70%),
  linear-gradient(180deg, rgba(255,255,255,.035) 0%, transparent 70%)}
.subhero--plain .subhero__in{text-align:center;padding-block:clamp(46px,6vw,80px)}
.subhero--plain .crumb{justify-content:center;text-shadow:none}
.subhero--plain h1{margin:0 auto 20px;max-width:20ch;text-shadow:none}
.subhero--plain .subhero__lede{margin-inline:auto;max-width:60ch;text-shadow:none;color:var(--muted)}

.how__form{min-width:0}
@media (max-width:999px){.how__form{position:static;max-width:490px;margin-inline:auto;width:100%}}

/* section link that follows the timeline - no rule, aligned with the step text */
.how__more{margin:30px 0 0;padding-left:72px;font-size:13px;font-weight:400;line-height:1.6}
@media (min-width:768px){.how__more{padding-left:90px}}