/* Roxborough Capital Management — site styles */
:root {
  /* Roxborough palette — Palladian / Oatmeal / Abyssal / Truffle / Burning Flame */
  --cream: #EEE9DF;          /* Palladian — primary light bg */
  --cream-light: #F4F0E7;    /* Slightly lighter Palladian for variation */
  --cream-dark: #C9C1B1;     /* Oatmeal — surface tone, badges, dividers */
  --ink: #1B2632;            /* Abyssal — primary text, dark sections */
  --ink-soft: #2C3B4D;       /* Blue Fantastic — secondary text */
  --muted: #6B7785;          /* Desaturated blue-grey for muted text */
  --copper: #A67C1E;         /* Rich gold — primary accent (used sparingly) */
  --copper-dark: #7E5E12;    /* Deep gold — for hover states */
  --flame: #F0CE72;          /* Luminous gold — reserved for the CTA glow */
  --border: rgba(27, 38, 50, 0.12);
  --border-soft: rgba(27, 38, 50, 0.06);
}
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'Geist', sans-serif; background: var(--cream); color: var(--ink); font-size: 16px; line-height: 1.55; -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img, video { display: block; max-width: 100%; }
.container { max-width: 1400px; margin: 0 auto; padding: 0 32px; }

/* Page routing */
.page { display: none; }
.page.active { display: block; animation: pageFade 0.45s cubic-bezier(0.16, 1, 0.3, 1); }
@keyframes pageFade { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }

/* NAV */
.nav { position: fixed; top: 0; left: 0; right: 0; z-index: 100; padding: 22px 0; transition: background 0.4s, backdrop-filter 0.4s, padding 0.3s, border-color 0.4s; border-bottom: 1px solid transparent; }
.nav.scrolled, .nav.solid { background: rgba(239, 233, 221, 0.88); backdrop-filter: blur(20px) saturate(140%); -webkit-backdrop-filter: blur(20px) saturate(140%); border-bottom-color: var(--border-soft); }
.nav.scrolled { padding: 14px 0; }
.nav-inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.brand { font-family: 'Fraunces', serif; font-weight: 500; font-size: 22px; letter-spacing: -0.025em; color: var(--cream-light); font-variation-settings: "SOFT" 50, "opsz" 144; display: flex; align-items: center; gap: 10px; text-decoration: none; transition: color 0.4s; cursor: pointer; }
.nav.scrolled .brand, .nav.solid .brand { color: var(--ink); }
.brand-mark { position: relative; background: none; box-shadow: none; color: var(--copper); font-family: 'Fraunces', serif; font-size: 28px; font-style: normal; font-weight: 350; font-variation-settings: "wght" 350, "opsz" 144, "SOFT" 0, "WONK" 0; line-height: 1; letter-spacing: 0; flex-shrink: 0; padding: 4px 8px 4px 5px; }
.brand-mark::before { content: ''; position: absolute; top: 1px; left: 0; width: 5px; height: 5px; border: 1px solid var(--copper); border-radius: 50%; box-sizing: border-box; }
.brand-mark::after { content: ''; position: absolute; bottom: 2px; right: 0; width: 5px; height: 5px; background: var(--copper); border-radius: 50%; }
.brand-name em { font-style: italic; font-weight: 400; }
.nav-links { display: flex; gap: 36px; list-style: none; align-items: center; }
.nav-links a { text-decoration: none; color: var(--cream-light); font-size: 14px; font-weight: 400; transition: opacity 0.2s, color 0.4s; position: relative; cursor: pointer; }
.nav.scrolled .nav-links a, .nav.solid .nav-links a { color: var(--ink); }
.nav-links a:hover { opacity: 0.65; }
.nav-links a.active::after { content: ''; position: absolute; bottom: -6px; left: 0; right: 0; height: 1px; background: var(--copper); }

.btn { display: inline-flex; align-items: center; gap: 8px; padding: 12px 22px; border-radius: 100px; font-family: 'Geist', sans-serif; font-size: 14px; font-weight: 500; text-decoration: none; border: 1px solid transparent; cursor: pointer; transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1); white-space: nowrap; }
.btn-primary { background: var(--ink); color: var(--cream-light); }
.btn-primary:hover { background: var(--copper-dark); transform: translateY(-1px); }
.btn-light { background: var(--cream-light); color: var(--ink); }
.btn-light:hover { background: white; transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--cream-light); border-color: rgba(247, 242, 232, 0.4); }
.btn-ghost:hover { background: var(--cream-light); color: var(--ink); border-color: var(--cream-light); }
.btn-ghost-dark { background: transparent; color: var(--ink); border-color: var(--border); }
.btn-ghost-dark:hover { background: var(--ink); color: var(--cream-light); border-color: var(--ink); }
.btn-arrow { width: 16px; height: 16px; transition: transform 0.25s; }
.btn:hover .btn-arrow { transform: translateX(3px); }

/* HERO (video + 3-phase looping headline) */
.hero { position: relative; height: 100vh; min-height: 720px; overflow: hidden; color: var(--cream-light); background: var(--ink); }
.hero-video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0; opacity: 0; transform: scale(1.03); transition: opacity 1.6s cubic-bezier(0.16, 1, 0.3, 1), transform 8s cubic-bezier(0.16, 1, 0.3, 1); }
.hero-video.ready { opacity: 1; transform: scale(1); }

.hero-overlay { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(27, 38, 50, 0.55) 0%, rgba(27, 38, 50, 0.28) 38%, rgba(27, 38, 50, 0.82) 100%), linear-gradient(90deg, rgba(27, 38, 50, 0.45) 0%, transparent 62%); z-index: 1; }

/* Subtle film grain throughout */
.hero-grain { position: absolute; inset: 0; z-index: 2; pointer-events: none; opacity: 0.07; mix-blend-mode: overlay; background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='3' stitchTiles='stitch'/%3E%3CfeColorMatrix values='0 0 0 0 0.6 0 0 0 0 0.55 0 0 0 0 0.45 0 0 0 1 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E"); background-size: 220px; }

.hero-content { position: relative; z-index: 3; height: 100%; display: flex; flex-direction: column; justify-content: flex-end; padding-bottom: 84px; }
.hero-eyebrow { font-size: 12px; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; margin-bottom: 32px; display: flex; align-items: center; gap: 14px; opacity: 0; animation: fadeUp 1.1s cubic-bezier(0.16, 1, 0.3, 1) 0.2s forwards; }
.hero-eyebrow::before { content: ''; width: 36px; height: 1px; background: var(--cream-light); opacity: 0.65; transform: scaleX(0); transform-origin: left; animation: lineGrow 0.9s cubic-bezier(0.16, 1, 0.3, 1) 0.45s forwards; }
@keyframes lineGrow { to { transform: scaleX(1); } }

/* Stacked headline — all titles occupy the same grid cell */
.hero-headline { display: grid; }
.hero-headline > .hero-title { grid-area: 1 / 1; }
.hero-title { font-family: 'Fraunces', serif; font-weight: 350; font-size: clamp(46px, 7.2vw, 108px); line-height: 0.98; letter-spacing: -0.035em; max-width: 1180px; font-variation-settings: "SOFT" 30, "opsz" 144; opacity: 0; }
.hero-title em { font-style: italic; font-weight: 300; font-variation-settings: "SOFT" 100, "opsz" 144; }
.hero-title .word { display: inline-block; overflow: hidden; vertical-align: baseline; padding: 0 0.12em 0.14em; margin: 0 -0.12em -0.14em; }
.hero-title .word > span { display: inline-block; transform: translateY(110%); }

/* ─── 12-second cycle: 3 titles rotate forever ─── */
/* Each title runs the same 12s cycle, phase-shifted by 4s so they appear in sequence */

.hero-title-1 { animation: titleCycle 12s cubic-bezier(0.22, 1, 0.36, 1) infinite; }
.hero-title-2 { animation: titleCycle 12s cubic-bezier(0.22, 1, 0.36, 1) 4s infinite; }
.hero-title-3 { animation: titleCycle 12s cubic-bezier(0.22, 1, 0.36, 1) 8s infinite; }

@keyframes titleCycle {
  0%    { opacity: 0; transform: translateY(0); filter: blur(0px); }
  3%    { opacity: 0; transform: translateY(0); filter: blur(0px); }
  12%   { opacity: 1; transform: translateY(0); filter: blur(0px); }
  25%   { opacity: 1; transform: translateY(0); filter: blur(0px); }
  33%   { opacity: 0; transform: translateY(-22px); filter: blur(3px); }
  100%  { opacity: 0; transform: translateY(-22px); filter: blur(3px); }
}

/* Words inside each title rise from below, with slight stagger between words */
.hero-title .word > span { animation: wordCycle 12s cubic-bezier(0.22, 1, 0.36, 1) infinite; }
.hero-title-1 .word:nth-child(1) > span { animation-delay: 0s; }
.hero-title-1 .word:nth-child(2) > span { animation-delay: 0.1s; }
.hero-title-1 .word:nth-child(3) > span { animation-delay: 0.2s; }
.hero-title-2 .word:nth-child(1) > span { animation-delay: 4s; }
.hero-title-2 .word:nth-child(2) > span { animation-delay: 4.1s; }
.hero-title-2 .word:nth-child(3) > span { animation-delay: 4.2s; }
.hero-title-3 .word:nth-child(1) > span { animation-delay: 8s; }
.hero-title-3 .word:nth-child(2) > span { animation-delay: 8.1s; }

@keyframes wordCycle {
  0%    { transform: translateY(110%); }
  3%    { transform: translateY(110%); }
  9%    { transform: translateY(0); }
  29%   { transform: translateY(0); }
  37%   { transform: translateY(110%); }   /* snap reset while parent is invisible */
  100%  { transform: translateY(110%); }
}

.hero-bottom { display: flex; align-items: flex-end; justify-content: space-between; margin-top: 48px; gap: 60px; flex-wrap: wrap; opacity: 0; animation: fadeUp 1.1s cubic-bezier(0.16, 1, 0.3, 1) 8s forwards; }
.hero-sub { font-size: 17px; line-height: 1.5; max-width: 440px; opacity: 0.88; font-weight: 300; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* Fintech data badge — fades in once and stays visible */
.data-badge { margin-top: 38px; display: inline-flex; align-items: center; gap: 12px; font-family: ui-monospace, 'SF Mono', Menlo, Monaco, 'Courier New', monospace; font-size: 10.5px; letter-spacing: 0.18em; text-transform: uppercase; color: rgba(247, 240, 231, 0.7); opacity: 0; transform: translateY(8px); animation: fadeUp 1.1s cubic-bezier(0.16, 1, 0.3, 1) 9.5s forwards; }
.data-badge .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--copper); flex-shrink: 0; animation: dotPulse 2.4s ease-in-out infinite; box-shadow: 0 0 8px rgba(166, 124, 30, 0.6); }
@keyframes dotPulse { 0%, 100% { opacity: 1; transform: scale(1); } 50% { opacity: 0.4; transform: scale(0.85); } }
.data-badge .sep { opacity: 0.35; font-weight: 300; }

.scroll-hint { position: absolute; bottom: 26px; right: 32px; z-index: 4; font-size: 11px; letter-spacing: 0.22em; text-transform: uppercase; display: flex; flex-direction: column; align-items: center; gap: 12px; writing-mode: vertical-rl; transform: rotate(180deg); opacity: 0; animation: scrollHintIn 1.2s ease-out 8.6s forwards; color: var(--cream-light); }
@keyframes scrollHintIn { to { opacity: 0.75; } }
.scroll-hint::before { content: ''; width: 1px; height: 48px; background: var(--cream-light); animation: scrollLine 2.4s ease-in-out 9.2s infinite; transform-origin: bottom; }
@keyframes scrollLine { 0%, 100% { transform: scaleY(0.25); opacity: 0.35; } 50% { transform: scaleY(1); opacity: 0.9; } }
@keyframes fadeUp { from { opacity: 0; transform: translateY(28px); } to { opacity: 1; transform: translateY(0); } }

/* PAGE HERO (inner pages) */
.page-hero { padding: 220px 0 110px; background: var(--cream); position: relative; border-bottom: 1px solid var(--border); overflow: hidden; }
.page-hero::before { content: ''; position: absolute; top: 80px; right: -200px; width: 600px; height: 600px; background: radial-gradient(circle, rgba(166, 124, 30, 0.08), transparent 70%); pointer-events: none; }
.page-hero-inner { max-width: 1000px; position: relative; }
.page-hero .eyebrow { font-size: 12px; font-weight: 500; letter-spacing: 0.22em; text-transform: uppercase; color: var(--copper); margin-bottom: 32px; display: flex; align-items: center; gap: 14px; }
.page-hero .eyebrow::before { content: ''; width: 36px; height: 1px; background: var(--copper); }
.page-hero h1 { font-family: 'Fraunces', serif; font-weight: 350; font-size: clamp(50px, 7vw, 104px); line-height: 0.98; letter-spacing: -0.035em; font-variation-settings: "SOFT" 30, "opsz" 144; margin-bottom: 36px; }
.page-hero h1 em { font-style: italic; font-weight: 300; font-variation-settings: "SOFT" 100, "opsz" 144; }
.page-hero-intro { font-size: 19px; line-height: 1.55; color: var(--ink-soft); max-width: 640px; font-weight: 300; }

/* SECTION HEADS */
section { padding: 130px 0; }
.section-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 60px; margin-bottom: 80px; flex-wrap: wrap; }
.section-eyebrow { font-size: 11px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--muted); display: flex; align-items: center; gap: 12px; margin-bottom: 26px; font-weight: 500; }
.section-eyebrow::before { content: ''; width: 26px; height: 1px; background: var(--copper); }
.section-title { font-family: 'Fraunces', serif; font-weight: 350; font-size: clamp(40px, 5vw, 74px); line-height: 1.02; letter-spacing: -0.03em; max-width: 820px; font-variation-settings: "SOFT" 30, "opsz" 144; }
.section-title em { font-style: italic; font-weight: 300; font-variation-settings: "SOFT" 100, "opsz" 144; }
.section-aside { font-size: 16px; line-height: 1.55; max-width: 360px; color: var(--muted); }

/* TRUST */
.trust { border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 38px 0; background: var(--cream-light); }
.trust-statement { font-family: 'Fraunces', serif; font-weight: 350; font-size: clamp(19px, 2.3vw, 27px); line-height: 1.32; letter-spacing: -0.015em; color: var(--ink-soft); text-align: center; max-width: 920px; margin: 0 auto; font-variation-settings: "SOFT" 40, "opsz" 80; }
.trust-statement em { font-style: italic; font-weight: 300; color: var(--copper); font-variation-settings: "SOFT" 100, "opsz" 144; }

/* STATS */
.stats { padding: 110px 0 130px; }
.stats-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--border); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.stat { background: var(--cream); padding: 42px 30px; }
.stat-num { font-family: 'Fraunces', serif; font-weight: 350; font-size: 58px; line-height: 1; letter-spacing: -0.03em; color: var(--ink); margin-bottom: 14px; font-variation-settings: "SOFT" 30, "opsz" 144; }
.stat-num em { font-style: italic; color: var(--copper); font-weight: 300; font-variation-settings: "SOFT" 100, "opsz" 144; }
.stat-label { font-size: 13px; color: var(--muted); line-height: 1.45; }

/* SERVICES PREVIEW */
.services { background: var(--cream-light); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--border); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.services-all { display: flex; justify-content: center; padding: 40px 0 8px; }
.services-all-link { display: inline-flex; align-items: center; gap: 10px; font-family: 'Geist', sans-serif; font-size: 14px; font-weight: 500; letter-spacing: 0.02em; color: var(--copper); text-decoration: none; padding: 6px 0; border-bottom: 1px solid transparent; transition: border-color 0.2s, gap 0.2s; }
.services-all-link:hover { border-bottom-color: var(--copper); gap: 14px; }
.services-all-link svg { stroke: var(--copper); }
.service-card { background: var(--cream-light); padding: 44px 36px 40px; transition: background 0.4s; cursor: pointer; position: relative; min-height: 340px; display: flex; flex-direction: column; text-decoration: none; color: inherit; }
.service-card:hover { background: var(--cream); }
.service-num { font-family: 'Fraunces', serif; font-size: 13px; font-weight: 400; font-style: italic; color: var(--muted); margin-bottom: 28px; font-variation-settings: "SOFT" 100, "opsz" 50; }
.service-icon { width: 38px; height: 38px; margin-bottom: 28px; color: var(--ink); stroke-width: 1.2; }
.service-title { font-family: 'Fraunces', serif; font-weight: 400; font-size: 28px; line-height: 1.1; letter-spacing: -0.02em; margin-bottom: 14px; font-variation-settings: "SOFT" 40, "opsz" 50; }
.service-desc { color: var(--muted); font-size: 15px; line-height: 1.55; flex-grow: 1; }
.service-link { margin-top: 26px; display: inline-flex; align-items: center; gap: 8px; font-size: 12px; font-weight: 500; color: var(--ink); letter-spacing: 0.12em; text-transform: uppercase; }
.service-link svg { transition: transform 0.25s; }
.service-card:hover .service-link svg { transform: translateX(5px); }

/* PROCESS */
.process { background: var(--ink); color: var(--cream-light); }
.process .section-eyebrow { color: rgba(247, 242, 232, 0.7); }
.process .section-eyebrow::before { background: var(--copper); }
.process .section-title { color: var(--cream-light); }
.process .section-aside { color: rgba(247, 242, 232, 0.65); }
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 48px; border-top: 1px solid rgba(247, 242, 232, 0.15); padding-top: 64px; }
.process-step .step-num { font-family: 'Fraunces', serif; font-weight: 350; font-style: italic; font-size: 84px; line-height: 1; letter-spacing: -0.05em; color: var(--copper); margin-bottom: 36px; font-variation-settings: "SOFT" 100, "opsz" 144; }
.process-step h3 { font-family: 'Fraunces', serif; font-weight: 400; font-size: 24px; letter-spacing: -0.015em; margin-bottom: 14px; font-variation-settings: "SOFT" 40, "opsz" 50; }
.process-step p { color: rgba(247, 242, 232, 0.7); font-size: 14px; line-height: 1.62; }

/* ABOUT BLOCK */
.about-grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: 90px; align-items: center; }
.about-image { position: relative; aspect-ratio: 4/5; border-radius: 6px; overflow: hidden; background: var(--cream-dark); }
.about-image img { width: 100%; height: 100%; object-fit: cover; }
.about-badge { position: absolute; bottom: 24px; left: 24px; background: var(--cream-light); padding: 18px 24px; border-radius: 4px; display: flex; align-items: center; gap: 16px; box-shadow: 0 12px 40px rgba(20, 15, 10, 0.18); }
.about-badge-num { font-family: 'Fraunces', serif; font-size: 40px; font-style: italic; font-weight: 350; color: var(--copper); line-height: 1; font-variation-settings: "SOFT" 100, "opsz" 144; }
.about-badge-label { font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase; color: var(--ink-soft); line-height: 1.45; font-weight: 500; }
.about-text h2 { font-family: 'Fraunces', serif; font-weight: 350; font-size: clamp(36px, 4.2vw, 58px); line-height: 1.04; letter-spacing: -0.028em; margin-bottom: 30px; font-variation-settings: "SOFT" 30, "opsz" 144; }
.about-text h2 em { font-style: italic; font-weight: 300; font-variation-settings: "SOFT" 100, "opsz" 144; }
.about-text p { font-size: 17px; line-height: 1.6; color: var(--ink-soft); margin-bottom: 20px; }
.about-features { list-style: none; margin-top: 40px; border-top: 1px solid var(--border); }
.about-features li { padding: 20px 0; border-bottom: 1px solid var(--border); display: flex; align-items: center; gap: 16px; font-size: 15px; color: var(--ink-soft); }
.about-features svg { width: 18px; height: 18px; color: var(--copper); flex-shrink: 0; stroke-width: 2; }

/* ─── SERVICES FLOW (vertical tabs + single panel) ─── */
.services-flow { padding: 90px 0 130px; background: var(--cream); }
.services-flow-grid { display: grid; grid-template-columns: 300px 1fr; gap: 96px; align-items: start; }

.services-nav { position: sticky; top: 110px; display: flex; flex-direction: column; }
.services-nav-eyebrow { font-family: ui-monospace, 'SF Mono', Menlo, monospace; font-size: 10px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--copper); margin-bottom: 24px; font-weight: 500; }
.services-nav-list { list-style: none; border-top: 1px solid var(--border); padding: 0; margin: 0; }
.services-nav-item {
  display: grid; grid-template-columns: auto 1fr auto;
  gap: 14px; align-items: center;
  padding: 13px 0 13px 16px;
  border: none; border-bottom: 1px solid var(--border);
  border-left: 2px solid transparent;
  background: transparent;
  cursor: pointer; text-align: left;
  font-family: 'Geist', sans-serif;
  color: var(--muted);
  margin-left: -16px; width: calc(100% + 16px);
  transition: border-left-color 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}
.services-nav-item .nav-num { font-family: ui-monospace, 'SF Mono', Menlo, monospace; font-size: 10px; letter-spacing: 0.08em; color: var(--muted); font-weight: 500; transition: color 0.25s; }
.services-nav-item .nav-name { font-size: 14.5px; font-weight: 500; color: var(--muted); transition: color 0.25s; }
.services-nav-item .nav-arrow {
  font-family: 'Fraunces', serif; font-size: 18px; color: var(--copper);
  opacity: 0; transform: translateX(-6px);
  transition: opacity 0.3s, transform 0.3s;
  font-variation-settings: "SOFT" 100, "opsz" 50;
}
.services-nav-item:hover .nav-name { color: var(--ink); }
.services-nav-item:hover .nav-num { color: var(--ink-soft); }
.services-nav-item.active { border-left-color: var(--copper); }
.services-nav-item.active .nav-num { color: var(--copper); }
.services-nav-item.active .nav-name { color: var(--ink); }
.services-nav-item.active .nav-arrow { opacity: 1; transform: translateX(0); }

.services-nav-cta {
  margin-top: 32px; padding: 24px;
  background: var(--ink); color: var(--cream-light);
  border-radius: 8px;
}
.services-nav-cta-eyebrow {
  font-family: ui-monospace, 'SF Mono', Menlo, monospace;
  font-size: 10px; letter-spacing: 0.22em; text-transform: uppercase;
  color: var(--copper); margin-bottom: 12px; font-weight: 500;
}
.services-nav-cta p {
  font-family: 'Fraunces', serif; font-weight: 350; font-style: italic;
  font-size: 19px; line-height: 1.3; margin-bottom: 18px;
  font-variation-settings: "SOFT" 100, "opsz" 50;
}
.services-nav-cta p em { font-variation-settings: "SOFT" 100, "opsz" 144; }
.services-nav-cta .btn { width: 100%; justify-content: center; }

/* Panel area */
.services-panel-wrap { position: relative; min-height: 600px; }
.services-panel { display: none; }
.services-panel.active { display: block; animation: panelIn 0.5s cubic-bezier(0.16, 1, 0.3, 1); }
@keyframes panelIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }

.panel-eyebrow {
  font-family: 'Fraunces', serif; font-style: italic;
  font-size: 14px; color: var(--copper);
  margin-bottom: 20px;
  font-variation-settings: "SOFT" 100, "opsz" 50;
}
.services-panel h2 {
  font-family: 'Fraunces', serif; font-weight: 350;
  font-size: clamp(40px, 5vw, 64px); line-height: 1.02; letter-spacing: -0.03em;
  margin-bottom: 28px;
  font-variation-settings: "SOFT" 30, "opsz" 144;
}
.services-panel h2 em {
  font-style: italic; font-weight: 300;
  font-variation-settings: "SOFT" 100, "opsz" 144;
}
.panel-lede {
  font-size: 18px; line-height: 1.55; color: var(--ink-soft);
  margin-bottom: 36px; font-weight: 300;
}
.panel-body > p {
  font-size: 16px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 20px;
}
.panel-body h3 {
  font-family: 'Fraunces', serif; font-weight: 400;
  font-size: 22px; letter-spacing: -0.015em;
  margin: 40px 0 18px;
  font-variation-settings: "SOFT" 40, "opsz" 50;
}
.panel-body ul { list-style: none; padding: 0; }
.panel-body ul li {
  padding: 14px 0; border-bottom: 1px solid var(--border);
  display: flex; align-items: flex-start; gap: 14px;
  font-size: 15px; color: var(--ink-soft); line-height: 1.55;
}
.panel-body ul li svg { width: 14px; height: 14px; color: var(--copper); flex-shrink: 0; margin-top: 5px; stroke-width: 2; }
.panel-body ul li strong { color: var(--ink); font-weight: 500; }
.panel-cta {
  margin-top: 48px; padding-top: 28px;
  border-top: 1px solid var(--border);
  display: flex; gap: 12px; flex-wrap: wrap;
}

/* ABOUT PAGE - Principal */
.principal { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 80px; align-items: start; padding-bottom: 120px; border-bottom: 1px solid var(--border); margin-bottom: 120px; }
.principal-image { position: relative; aspect-ratio: 4/5; border-radius: 6px; overflow: hidden; background: var(--cream-dark); }
.principal-image img { width: 100%; height: 100%; object-fit: cover; }
.principal-image .signature { position: absolute; bottom: 24px; left: 24px; background: var(--cream-light); padding: 14px 20px; border-radius: 4px; font-family: 'Fraunces', serif; font-style: italic; font-size: 22px; color: var(--ink); font-variation-settings: "SOFT" 100, "opsz" 50; box-shadow: 0 12px 40px rgba(20, 15, 10, 0.18); }
.principal-content .role-tag { font-size: 11px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--copper); margin-bottom: 22px; font-weight: 500; }
.principal-content h2 { font-family: 'Fraunces', serif; font-weight: 350; font-size: clamp(40px, 5vw, 64px); line-height: 1.02; letter-spacing: -0.03em; margin-bottom: 16px; font-variation-settings: "SOFT" 30, "opsz" 144; }
.principal-content .credentials { font-family: 'Fraunces', serif; font-style: italic; font-size: 18px; color: var(--copper); margin-bottom: 28px; font-variation-settings: "SOFT" 100, "opsz" 50; }
.principal-content > p { font-size: 17px; line-height: 1.6; color: var(--ink-soft); margin-bottom: 20px; }
.leader-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 48px; }
.leader-card { display: flex; flex-direction: column; }
.leader-image { aspect-ratio: 4/5; border-radius: 6px; overflow: hidden; margin-bottom: 24px; background: var(--cream-dark); }
.leader-image img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1); }
.leader-card:hover .leader-image img { transform: scale(1.03); }
.leader-role { font-size: 11px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--copper); margin-bottom: 10px; font-weight: 500; }
.leader-card h3 { font-family: 'Fraunces', serif; font-weight: 400; font-size: 26px; line-height: 1.1; letter-spacing: -0.02em; margin-bottom: 12px; font-variation-settings: "SOFT" 40, "opsz" 50; }
.leader-card p { font-size: 15px; line-height: 1.55; color: var(--muted); }

/* VALUES */
.values { background: var(--cream-light); padding: 130px 0; }
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--border); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.value { background: var(--cream-light); padding: 50px 36px; }
.value-num { font-family: 'Fraunces', serif; font-style: italic; font-size: 13px; color: var(--muted); margin-bottom: 28px; }
.value h3 { font-family: 'Fraunces', serif; font-weight: 400; font-size: 26px; line-height: 1.1; letter-spacing: -0.02em; margin-bottom: 16px; font-variation-settings: "SOFT" 40, "opsz" 50; }
.value p { font-size: 15px; line-height: 1.6; color: var(--muted); }

/* ABOUT — rebuilt: leadership intro, Helen contact card, 'what we help with' grid */
.lead-intro { max-width: 780px; font-size: 18px; line-height: 1.68; color: var(--ink-soft); margin: 0 0 60px; }
.principal.solo { padding-bottom: 0; border-bottom: none; margin-bottom: 0; }
.principal-contact { margin-top: 30px; border-top: 1px solid var(--border); padding-top: 26px; display: grid; gap: 0; }
.principal-detail { display: grid; grid-template-columns: 168px 1fr; gap: 16px; align-items: baseline; padding: 14px 0; border-bottom: 1px solid var(--border-soft); }
.principal-detail dt { font-size: 11px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--muted); font-weight: 500; }
.principal-detail dd { font-size: 16px; color: var(--ink); margin: 0; }
.principal-detail dd a { color: var(--copper); text-decoration: none; }
.principal-detail dd a:hover { text-decoration: underline; }
.lead-network { margin-top: 56px; padding-top: 40px; border-top: 1px solid var(--border); font-family: 'Fraunces', serif; font-weight: 350; font-style: italic; font-size: clamp(22px, 2.6vw, 30px); line-height: 1.35; color: var(--ink); max-width: 860px; letter-spacing: -0.015em; font-variation-settings: "SOFT" 80, "opsz" 80; }
.help-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: 6px; overflow: hidden; margin-top: 8px; }
.help-item { background: var(--cream-light); padding: 38px 32px; }
.help-item .help-icon { width: 30px; height: 30px; margin-bottom: 22px; }
.help-item .help-icon svg { width: 100%; height: 100%; stroke: var(--copper); fill: none; stroke-width: 1.4; stroke-linecap: round; stroke-linejoin: round; }
.help-item h3 { font-family: 'Fraunces', serif; font-weight: 400; font-size: 21px; line-height: 1.15; letter-spacing: -0.015em; margin-bottom: 11px; font-variation-settings: "SOFT" 40, "opsz" 50; }
.help-item p { font-size: 14.5px; line-height: 1.58; color: var(--muted); }

/* PRIVACY / LEGAL PAGE */
.policy { max-width: 800px; margin: 0 auto; }
.policy h2 { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(25px, 3vw, 33px); line-height: 1.15; letter-spacing: -0.02em; margin: 56px 0 18px; font-variation-settings: "SOFT" 30, "opsz" 80; }
.policy > h2:first-child { margin-top: 0; }
.policy h3 { font-family: 'Geist', sans-serif; font-weight: 600; font-size: 16px; margin: 26px 0 8px; color: var(--ink); letter-spacing: 0; }
.policy p { font-size: 16px; line-height: 1.72; color: var(--ink-soft); margin-bottom: 18px; }
.policy ul { list-style: none; margin: 0 0 24px; padding: 0; }
.policy li { position: relative; padding-left: 22px; font-size: 16px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 10px; }
.policy li::before { content: ''; position: absolute; left: 3px; top: 10px; width: 5px; height: 5px; border-radius: 50%; background: var(--copper); }
.policy a { color: var(--copper); text-decoration: none; }
.policy a:hover { text-decoration: underline; }
.policy .principles { margin: 8px 0 24px; border-top: 1px solid var(--border); }
.policy .principle { padding: 18px 0; border-bottom: 1px solid var(--border-soft); }
.policy .principle h3 { margin: 0 0 5px; font-family: 'Fraunces', serif; font-weight: 400; font-size: 19px; color: var(--ink); letter-spacing: -0.01em; font-variation-settings: "SOFT" 40, "opsz" 50; }
.policy .principle .pnum { color: var(--copper); font-style: italic; margin-right: 4px; }
.policy .principle p { margin: 0; font-size: 15px; line-height: 1.6; color: var(--muted); }
.policy-contact { margin: 8px 0 18px; padding: 24px 28px; background: var(--cream-light); border-radius: 10px; border: 1px solid var(--border-soft); font-size: 15px; line-height: 1.75; color: var(--ink-soft); }
.policy-contact strong { display: block; color: var(--ink); font-weight: 600; margin-bottom: 4px; }

/* ─── PREMIUM MORTGAGE CALCULATOR ─── */
.calculator-section { padding: 100px 0 130px; }
.calculator { 
  background: var(--cream-light); 
  border: 1px solid var(--border); 
  border-radius: 12px; 
  overflow: hidden;
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.5) inset, 0 30px 80px -40px rgba(27, 38, 50, 0.18);
}
.calc-grid { display: grid; grid-template-columns: 1fr 1.05fr; min-height: 540px; }

.calc-inputs { padding: 44px 44px; border-right: 1px solid var(--border); }
.calc-results { padding: 44px 44px; background: var(--cream); display: flex; flex-direction: column; position: relative; }

.calc-panel-header { display: flex; align-items: baseline; gap: 14px; margin-bottom: 28px; padding-bottom: 18px; border-bottom: 1px solid var(--border); }
.calc-panel-eyebrow { font-family: ui-monospace, 'SF Mono', Menlo, monospace; font-size: 10px; letter-spacing: 0.22em; text-transform: uppercase; color: var(--copper); font-weight: 500; }
.calc-panel-header h3 { font-family: 'Fraunces', serif; font-weight: 350; font-size: 20px; letter-spacing: -0.018em; color: var(--ink); font-variation-settings: "SOFT" 30, "opsz" 50; }

.calc-field { margin-bottom: 22px; }
.calc-field-row { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 10px; margin-bottom: 10px; }
.calc-field label { display: block; font-size: 10.5px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--muted); font-weight: 500; }

.calc-presets { display: inline-flex; gap: 2px; }
.calc-presets button { 
  border: none; background: transparent;
  font-family: ui-monospace, 'SF Mono', Menlo, monospace; 
  font-size: 10.5px; padding: 4px 8px; border-radius: 100px;
  color: var(--muted); cursor: pointer; 
  letter-spacing: 0.04em; font-weight: 500;
  transition: background 0.18s, color 0.18s;
  font-variant-numeric: tabular-nums;
}
.calc-presets button:hover { background: var(--cream-dark); color: var(--ink); }
.calc-presets button.active { background: var(--ink); color: var(--cream-light); }

.calc-input-wrap { display: flex; align-items: baseline; gap: 6px; padding-bottom: 9px; border-bottom: 1px solid var(--border); transition: border-color 0.25s; font-variant-numeric: tabular-nums; }
.calc-input-wrap:focus-within { border-bottom-color: var(--copper); }
.calc-prefix, .calc-suffix { font-family: 'Fraunces', serif; font-size: 19px; color: var(--muted); font-weight: 350; font-variation-settings: "SOFT" 30, "opsz" 50; }
.calc-suffix { margin-left: auto; font-size: 13px; font-style: italic; }
.calc-input-wrap input[type="number"] { flex: 1; border: none; background: transparent; font-family: 'Fraunces', serif; font-size: 28px; font-weight: 350; color: var(--ink); letter-spacing: -0.02em; width: 100%; outline: none; font-variation-settings: "SOFT" 30, "opsz" 50; -moz-appearance: textfield; font-variant-numeric: tabular-nums; }
.calc-input-wrap input::-webkit-outer-spin-button, .calc-input-wrap input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }

/* Slider with progress fill — JS sets --pct */
.calc-slider { 
  --pct: 50%;
  width: 100%; margin-top: 14px; 
  -webkit-appearance: none; appearance: none; 
  height: 3px; outline: none;
  background: linear-gradient(to right, var(--copper) 0%, var(--copper) var(--pct), var(--border) var(--pct), var(--border) 100%);
  border-radius: 100px;
}
.calc-slider::-webkit-slider-thumb { 
  -webkit-appearance: none; appearance: none; 
  width: 18px; height: 18px; border-radius: 50%; 
  background: var(--cream-light); cursor: pointer; 
  border: 1.5px solid var(--copper);
  box-shadow: 0 2px 8px rgba(166, 124, 30, 0.25), 0 0 0 1px var(--border-soft);
  transition: transform 0.15s, box-shadow 0.2s;
}
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.12); box-shadow: 0 3px 12px rgba(166, 124, 30, 0.35), 0 0 0 1px var(--border-soft); }
.calc-slider::-webkit-slider-thumb:active { transform: scale(1.05); }
.calc-slider::-moz-range-thumb { 
  width: 18px; height: 18px; border-radius: 50%; 
  background: var(--cream-light); cursor: pointer; 
  border: 1.5px solid var(--copper);
  box-shadow: 0 2px 8px rgba(166, 124, 30, 0.25);
}

/* Segmented frequency control */
.calc-freq { display: flex; gap: 0; margin-top: 4px; padding: 3px; background: var(--cream-dark); border-radius: 100px; }
.calc-freq button { 
  flex: 1; padding: 9px 12px; background: transparent; border: none; 
  border-radius: 100px; font-family: 'Geist', sans-serif; 
  font-size: 12.5px; font-weight: 500; color: var(--ink-soft); 
  cursor: pointer; transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  display: inline-flex; align-items: center; justify-content: center; gap: 6px;
  white-space: nowrap;
}
.calc-freq button:hover { color: var(--ink); }
.calc-freq button.active { background: var(--cream-light); color: var(--ink); box-shadow: 0 1px 3px rgba(27, 38, 50, 0.08), 0 2px 8px rgba(27, 38, 50, 0.04); }
.calc-freq .calc-tag { font-family: ui-monospace, 'SF Mono', Menlo, monospace; font-size: 9px; letter-spacing: 0.08em; opacity: 0.5; text-transform: uppercase; }
.calc-freq button.active .calc-tag { color: var(--copper); opacity: 1; }

/* Results panel */
.calc-payment { margin-bottom: 28px; }
.calc-payment-label { display: flex; align-items: center; gap: 9px; margin-bottom: 12px; }
.calc-payment-label-text { font-size: 10.5px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--muted); font-weight: 500; }
.calc-payment-label-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--copper); animation: dotPulse 2.4s ease-in-out infinite; }

.calc-amount-row { display: flex; align-items: flex-start; gap: 4px; font-variant-numeric: tabular-nums; }
.calc-currency { font-family: 'Fraunces', serif; font-weight: 350; font-size: clamp(24px, 3vw, 34px); line-height: 1; color: var(--muted); margin-top: 10px; font-variation-settings: "SOFT" 30, "opsz" 144; }
.calc-amount { font-family: 'Fraunces', serif; font-weight: 350; font-size: clamp(52px, 6.5vw, 84px); line-height: 0.95; letter-spacing: -0.04em; color: var(--ink); font-variation-settings: "SOFT" 30, "opsz" 144; font-variant-numeric: tabular-nums; }
.calc-cadence { font-family: 'Fraunces', serif; font-style: italic; font-size: 16px; color: var(--copper); font-variation-settings: "SOFT" 100, "opsz" 50; margin-top: 6px; }

.calc-savings { 
  font-family: ui-monospace, 'SF Mono', Menlo, monospace;
  font-size: 10.5px; letter-spacing: 0.08em; line-height: 1.4;
  color: var(--copper); margin-top: 12px;
  font-variant-numeric: tabular-nums;
  opacity: 0; transform: translateY(4px);
  transition: opacity 0.45s ease, transform 0.45s ease;
  min-height: 14px;
}
.calc-savings.show { opacity: 1; transform: translateY(0); }
.calc-savings .arrow { display: inline-block; margin-right: 6px; color: var(--copper); opacity: 0.7; }
.calc-savings .savings-context { color: var(--muted); }

/* Donut chart — refined and right-sized */
.calc-donut-wrap { 
  display: flex; align-items: center; gap: 28px; 
  margin-bottom: 24px; padding: 22px 0; 
  border-top: 1px solid var(--border); border-bottom: 1px solid var(--border);
}
.calc-donut { position: relative; width: 122px; height: 122px; flex-shrink: 0; }
.calc-donut svg { width: 100%; height: 100%; transform: rotate(-90deg); }
.donut-bg { fill: none; stroke: var(--cream-dark); stroke-width: 5; }
.donut-fg { fill: none; stroke: var(--copper); stroke-width: 5; stroke-linecap: round; transition: stroke-dashoffset 0.8s cubic-bezier(0.16, 1, 0.3, 1); }
.calc-donut-center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; pointer-events: none; text-align: center; }
.calc-donut-center-label { font-family: ui-monospace, 'SF Mono', Menlo, monospace; font-size: 8.5px; letter-spacing: 0.2em; text-transform: uppercase; color: var(--muted); font-weight: 500; margin-bottom: 3px; }
.calc-donut-center-val { font-family: 'Fraunces', serif; font-weight: 400; font-size: 24px; color: var(--ink); letter-spacing: -0.02em; font-variation-settings: "SOFT" 30, "opsz" 50; font-variant-numeric: tabular-nums; }

.donut-legend { flex: 1; display: flex; flex-direction: column; gap: 0; }
.donut-legend-item { display: grid; grid-template-columns: 10px 1fr auto; gap: 10px; align-items: center; font-size: 13px; color: var(--ink-soft); padding: 10px 0; border-bottom: 1px solid var(--border-soft); }
.donut-legend-item:last-child { border-bottom: none; }
.donut-legend-item .dot { width: 10px; height: 10px; border-radius: 50%; }
.donut-legend-item .dot.is-principal { background: var(--copper); }
.donut-legend-item .dot.is-interest { background: var(--cream-dark); border: 1px solid var(--border); }
.donut-legend-item .label { font-weight: 500; color: var(--ink); }
.donut-legend-item .val { font-family: 'Fraunces', serif; font-weight: 400; font-size: 15px; color: var(--ink); font-variation-settings: "SOFT" 40, "opsz" 50; font-variant-numeric: tabular-nums; }

/* Key insights row */
.calc-insights { 
  display: grid; grid-template-columns: 1fr 1fr; gap: 1px; 
  background: var(--border); margin-bottom: 24px;
  border-radius: 6px; overflow: hidden;
  border: 1px solid var(--border);
}
.calc-insight { background: var(--cream-light); padding: 16px 18px; }
.calc-insight-label { font-family: ui-monospace, 'SF Mono', Menlo, monospace; font-size: 9.5px; letter-spacing: 0.16em; text-transform: uppercase; color: var(--muted); margin-bottom: 8px; font-weight: 500; }
.calc-insight-val { font-family: 'Fraunces', serif; font-weight: 400; font-size: 22px; color: var(--ink); letter-spacing: -0.022em; line-height: 1.05; font-variation-settings: "SOFT" 30, "opsz" 50; font-variant-numeric: tabular-nums; }
.calc-insight-sub { font-family: ui-monospace, 'SF Mono', Menlo, monospace; font-size: 9.5px; color: var(--muted); margin-top: 5px; letter-spacing: 0.05em; font-variant-numeric: tabular-nums; }

.calc-breakdown { margin-bottom: 16px; font-variant-numeric: tabular-nums; }
.calc-row { display: flex; justify-content: space-between; align-items: baseline; padding: 11px 0; border-bottom: 1px solid var(--border-soft); font-size: 13.5px; color: var(--ink-soft); }
.calc-row.total { border-top: 1px solid var(--ink); border-bottom: none; margin-top: 4px; padding-top: 16px; font-weight: 500; color: var(--ink); }
.calc-row span:last-child { font-family: 'Fraunces', serif; font-weight: 400; font-size: 15px; font-variation-settings: "SOFT" 40, "opsz" 50; }
.calc-row.total span:last-child { font-size: 20px; font-weight: 500; }

.calc-note { font-size: 11.5px; color: var(--muted); line-height: 1.55; margin-top: auto; padding-top: 18px; border-top: 1px solid var(--border-soft); }

/* INDUSTRY LINKS */
.industry-links { background: var(--cream); padding: 100px 0 110px; border-top: 1px solid var(--border); }
.industry-head { margin-bottom: 56px; }
.industry-head .section-eyebrow { margin-bottom: 18px; }
.industry-head p { font-size: 16px; color: var(--muted); max-width: 540px; line-height: 1.55; }
.industry-grid { list-style: none; display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid var(--border); }
.industry-grid li { border-bottom: 1px solid var(--border); }
.industry-grid li:not(:nth-child(3n)) { border-right: 1px solid var(--border); }
.industry-grid a { display: flex; align-items: center; justify-content: space-between; padding: 28px 28px 26px; text-decoration: none; color: var(--ink); transition: background 0.2s; gap: 20px; }
.industry-grid a:hover { background: var(--cream-light); }
.industry-grid .org { display: flex; flex-direction: column; gap: 4px; }
.industry-grid .org-name { font-family: 'Fraunces', serif; font-weight: 400; font-size: 19px; letter-spacing: -0.015em; color: var(--ink); font-variation-settings: "SOFT" 40, "opsz" 50; }
.industry-grid .org-desc { font-size: 12px; color: var(--muted); }
.industry-grid .arrow { width: 16px; height: 16px; color: var(--muted); transition: transform 0.2s, color 0.2s; flex-shrink: 0; }
.industry-grid a:hover .arrow { color: var(--copper); transform: translate(2px, -2px); }

/* TESTIMONIAL */
.testimonial { background: var(--cream-dark); padding: 140px 0; }
.testimonial-inner { max-width: 1000px; margin: 0 auto; text-align: center; }
.testimonial-mark { font-family: 'Fraunces', serif; font-style: italic; font-size: 96px; color: var(--copper); line-height: 0.6; margin-bottom: 28px; font-variation-settings: "SOFT" 100, "opsz" 144; font-weight: 300; }
.testimonial blockquote { font-family: 'Fraunces', serif; font-weight: 350; font-size: clamp(28px, 3.6vw, 46px); line-height: 1.18; letter-spacing: -0.022em; color: var(--ink); font-variation-settings: "SOFT" 30, "opsz" 144; margin-bottom: 46px; }
.testimonial blockquote em { font-style: italic; font-weight: 300; font-variation-settings: "SOFT" 100, "opsz" 144; }
.testimonial-author { display: flex; align-items: center; justify-content: center; gap: 14px; font-size: 14px; }
.testimonial-avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--copper); display: flex; align-items: center; justify-content: center; color: var(--cream-light); font-family: 'Fraunces', serif; font-style: italic; font-size: 19px; font-weight: 400; }
.testimonial-meta { text-align: left; }
.testimonial-name { font-weight: 500; color: var(--ink); }
.testimonial-role { color: var(--muted); font-size: 13px; }

/* CTA */
.cta { background: var(--ink); color: var(--cream-light); text-align: center; padding: 170px 0; position: relative; overflow: hidden; }
.cta::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 70% 60% at 50% 100%, rgba(240, 206, 114, 0.22), transparent 65%); }
.cta-inner { position: relative; z-index: 1; max-width: 940px; margin: 0 auto; }
.cta h2 { font-family: 'Fraunces', serif; font-weight: 350; font-size: clamp(44px, 6.2vw, 86px); line-height: 1.02; letter-spacing: -0.03em; margin-bottom: 30px; font-variation-settings: "SOFT" 30, "opsz" 144; }
.cta h2 em { font-style: italic; font-weight: 300; font-variation-settings: "SOFT" 100, "opsz" 144; }
.cta p { font-size: 18px; line-height: 1.5; color: rgba(247, 242, 232, 0.75); max-width: 540px; margin: 0 auto 44px; font-weight: 300; }
.cta-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* CONTACT FORM (within CTA) */
.cta-grid { display: grid; grid-template-columns: 1.05fr 1fr; gap: 64px; align-items: center; text-align: left; }
.cta-intro h2 { text-align: left; }
.cta-intro p { margin: 0 0 34px; max-width: 460px; }
.cta-contacts { display: flex; flex-direction: column; gap: 14px; }
.cta-contact-line { display: inline-flex; align-items: center; gap: 13px; color: var(--cream-light); text-decoration: none; font-size: 16px; opacity: 0.88; transition: opacity 0.2s; }
.cta-contact-line:hover { opacity: 1; }
.cta-contact-line svg { width: 19px; height: 19px; stroke: var(--copper); flex-shrink: 0; }
.contact-form { background: rgba(247, 242, 232, 0.045); border: 1px solid rgba(247, 242, 232, 0.13); border-radius: 16px; padding: 34px; backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }
.contact-form .field { margin-bottom: 16px; }
.contact-form .field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.contact-form label { display: block; font-size: 11.5px; letter-spacing: 0.06em; text-transform: uppercase; color: rgba(247, 242, 232, 0.6); margin-bottom: 7px; font-weight: 500; }
.contact-form label .opt { text-transform: none; letter-spacing: 0; color: rgba(247, 242, 232, 0.38); font-weight: 400; }
.contact-form input, .contact-form select, .contact-form textarea { width: 100%; background: rgba(27, 38, 50, 0.42); border: 1px solid rgba(247, 242, 232, 0.16); border-radius: 9px; padding: 12px 14px; color: var(--cream-light); font-family: 'Geist', sans-serif; font-size: 15px; transition: border-color 0.2s, box-shadow 0.2s; outline: none; }
.contact-form textarea { resize: vertical; min-height: 84px; line-height: 1.5; }
.contact-form input::placeholder, .contact-form textarea::placeholder { color: rgba(247, 242, 232, 0.34); }
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus { border-color: var(--copper); box-shadow: 0 0 0 3px rgba(166, 124, 30, 0.22); }
.contact-form input.invalid, .contact-form textarea.invalid { border-color: #C26A45; box-shadow: 0 0 0 3px rgba(194, 106, 69, 0.18); }
.select-wrap { position: relative; }
.select-wrap::after { content: ''; position: absolute; right: 16px; top: 50%; width: 7px; height: 7px; border-right: 1.5px solid rgba(247, 242, 232, 0.55); border-bottom: 1.5px solid rgba(247, 242, 232, 0.55); transform: translateY(-70%) rotate(45deg); pointer-events: none; }
.contact-form select { appearance: none; -webkit-appearance: none; cursor: pointer; }
.contact-form select option { color: #1B2632; }
.cf-submit { width: 100%; justify-content: center; margin-top: 8px; }
.cf-note { font-size: 12.5px; color: rgba(247, 242, 232, 0.5); margin: 14px 0 0; text-align: center; line-height: 1.5; }
.cf-note.error { color: #E59A78; }
.cf-note.success { color: var(--flame); }

/* FOOTER */
footer { background: var(--ink); color: rgba(247, 242, 232, 0.7); padding: 88px 0 36px; border-top: 1px solid rgba(247, 242, 232, 0.1); }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.1fr; gap: 60px; padding-bottom: 60px; border-bottom: 1px solid rgba(247, 242, 232, 0.1); }
.footer-brand-block { padding-right: 20px; }
.footer-brand { font-family: 'Fraunces', serif; font-size: 24px; color: var(--cream-light); font-weight: 500; margin-bottom: 18px; letter-spacing: -0.025em; display: flex; align-items: center; gap: 10px; font-variation-settings: "SOFT" 50, "opsz" 144; }
.footer-brand em { font-style: italic; font-weight: 400; }
.footer-tagline { font-family: 'Fraunces', serif; font-style: italic; font-size: 19px; color: rgba(247, 242, 232, 0.6); line-height: 1.35; max-width: 290px; font-weight: 300; font-variation-settings: "SOFT" 100, "opsz" 50; }
.footer-col h4 { font-size: 11px; font-weight: 500; letter-spacing: 0.2em; text-transform: uppercase; color: rgba(244, 240, 231, 0.5); margin-bottom: 24px; }
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 13px; }
.footer-col a { color: rgba(247, 242, 232, 0.7); text-decoration: none; font-size: 14px; transition: color 0.2s; cursor: pointer; }
.footer-col a:hover { color: var(--cream-light); }
.footer-col li.plain { color: rgba(247, 242, 232, 0.55); font-size: 13px; line-height: 1.55; }
.footer-bottom { margin-top: 30px; display: flex; justify-content: space-between; align-items: center; gap: 32px; font-size: 13px; color: rgba(247, 242, 232, 0.45); flex-wrap: wrap; }
.footer-legal { display: flex; gap: 24px; }
.footer-legal a { color: inherit; text-decoration: none; transition: color 0.2s; }
.footer-legal a:hover { color: var(--cream-light); }

/* REVEAL */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 1s cubic-bezier(0.16, 1, 0.3, 1), transform 1s cubic-bezier(0.16, 1, 0.3, 1); }
.reveal.in { opacity: 1; transform: translateY(0); }

@media (prefers-reduced-motion: reduce) {
  .hero-video, .hero-eyebrow, .hero-eyebrow::before, .hero-title, .hero-title .word > span, .hero-bottom, .scroll-hint, .data-badge, .reveal { animation: none !important; transition: none !important; opacity: 1 !important; transform: none !important; filter: none !important; }
}

/* RESPONSIVE */
/* Keyboard focus — gold rings for keyboard users, invisible to mouse users */
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible { outline: 2px solid var(--copper); outline-offset: 3px; }

/* Brand text selection */
::selection { background: rgba(166, 124, 30, 0.3); color: var(--ink); }

@media (max-width: 1100px) {
  .cta-grid { grid-template-columns: 1fr; gap: 48px; max-width: 600px; margin: 0 auto; }
  .cta-intro p { max-width: none; }
  .services-grid, .process-grid, .values-grid { grid-template-columns: repeat(2, 1fr); }
  .help-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: 1fr; }
  .about-grid, .principal { grid-template-columns: 1fr; gap: 60px; max-width: 640px; margin: 0 auto; }
  .principal { padding-bottom: 80px; margin-bottom: 80px; }
  .leader-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 50px; }
  .footer-brand-block { grid-column: 1 / -1; }
  .services-flow-grid { grid-template-columns: 1fr; gap: 32px; }
  .services-nav { position: static; }
  .services-nav-eyebrow { display: none; }
  .services-nav-list {
    display: flex; overflow-x: auto; scrollbar-width: none;
    border-top: none; border-bottom: 1px solid var(--border);
    margin: 0; padding: 0;
  }
  .services-nav-list::-webkit-scrollbar { display: none; }
  .services-nav-item {
    margin-left: 0; width: auto; flex-shrink: 0;
    padding: 14px 18px;
    border-bottom: none;
    border-left: none;
    border-top: 2px solid transparent;
  }
  .services-nav-item.active {
    border-left-color: transparent;
    border-top-color: var(--copper);
  }
  .services-nav-item .nav-arrow { display: none; }
  .services-nav-cta { display: none; }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-inputs { border-right: none; border-bottom: 1px solid var(--border); }
  .industry-grid { grid-template-columns: repeat(2, 1fr); }
  .industry-grid li:not(:nth-child(3n)) { border-right: none; }
  .industry-grid li:not(:nth-child(2n)) { border-right: 1px solid var(--border); }
}
@media (max-width: 720px) {
  .container { padding: 0 22px; }
  .nav-links { display: none; }
  .nav-cta { display: none; }
  .scroll-hint { display: none; }
  .hero { min-height: 620px; }
  .hero-content { padding-bottom: 56px; }
  section { padding: 84px 0; }
  .stats { padding: 80px 0 90px; }
  .services-grid, .process-grid, .stats-grid, .values-grid, .leader-grid, .industry-grid { grid-template-columns: 1fr; }
  .help-grid { grid-template-columns: 1fr; }
  .principal-detail { grid-template-columns: 1fr; gap: 3px; padding: 12px 0; }
  .industry-grid li { border-right: none !important; }
  .footer-grid { grid-template-columns: 1fr; gap: 40px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; gap: 14px; }
  .section-head { flex-direction: column; align-items: flex-start; gap: 28px; margin-bottom: 56px; }
  .testimonial, .cta { padding: 100px 0; }
  .contact-form .field-row { grid-template-columns: 1fr; gap: 0; }
  .contact-form { padding: 28px 22px; }
  .process-step .step-num { font-size: 68px; margin-bottom: 24px; }
  .stat { padding: 32px 24px; }
  .stat-num { font-size: 46px; }
  .page-hero { padding: 160px 0 70px; }
  .calc-inputs, .calc-results { padding: 40px 28px; }
  .calc-amount { font-size: 56px; }
  .calc-currency { font-size: 26px; margin-top: 10px; }
  .calc-insights { grid-template-columns: 1fr; }
  .calc-donut-wrap { flex-direction: column; gap: 24px; align-items: stretch; padding: 24px 0; }
  .calc-donut { margin: 0 auto; width: 140px; height: 140px; }
  .calc-presets { flex-wrap: wrap; }
  .calc-freq button { padding: 10px 10px; font-size: 12px; }
  .calc-freq .calc-tag { display: none; }
  .calculator-section { padding: 60px 0 80px; }
}