/* Money Crest Finance — editorial design system (HTML/CSS/JS only) */
:root{
  --paper:#F8F0EF;
  --paper-2:#EEDFE0;
  --surface:#FFFCFA;
  --ink:#30202A;
  --pine:#71394D;
  --pine-deep:#4D2939;
  --pine-mid:#875064;
  --copper:#A67B8A;
  --copper-bright:#B96F83;
  --copper-soft:#EAD4D8;
  --sage:#E3E8DC;
  --muted:#6C5960;
  --muted-on-dark:#C1CDC4;
  --line:#D9C6C7;
  --line-on-dark:rgba(248,240,239,.16);
  --cream:#F8F0EF;
  --error:#A43A35;
  --success:#356B55;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  --radius:6px;
  --shadow:0 18px 44px rgba(48,32,42,.12);
  --header-h:74px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);background:var(--paper);color:var(--ink);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--pine-mid)}
::selection{background:var(--pine);color:var(--cream)}
:focus-visible{outline:3px solid var(--copper-bright);outline-offset:3px;border-radius:4px}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--pine-deep);color:var(--cream);padding:12px 20px;z-index:300;font-weight:600}
.skip-link:focus{left:0}
section[id],article[id]{scroll-margin-top:120px}

/* ---------- type ---------- */
h1,h2,h3{font-family:var(--serif);font-weight:560;line-height:1.08;letter-spacing:-.01em;margin:0}
h1{font-size:clamp(2.5rem,5.2vw,4.2rem)}
h2{font-size:clamp(2rem,3.6vw,3rem)}
h3{font-size:1.45rem;line-height:1.2}
p{margin:0}
.eyebrow{display:flex;align-items:center;gap:14px;font-size:.78rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--copper)}
.eyebrow::before{content:"";width:38px;height:2px;background:var(--copper-bright);flex:none}
.eyebrow.on-dark{color:var(--copper-bright)}
.lead{font-size:1.12rem;color:var(--muted);max-width:640px}
.on-dark .lead{color:var(--muted-on-dark)}
.section{padding:96px 0}
.section-tight{padding:72px 0}
.section-alt{background:var(--paper-2)}
.section-surface{background:var(--surface)}
.section-dark{background:var(--pine-deep);color:var(--cream)}
.section-head{max-width:760px;margin-bottom:48px}
.section-head h2{margin-top:18px}
.section-head .lead{margin-top:16px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 28px;border-radius:var(--radius);font-weight:650;font-size:.98rem;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .25s,color .25s,transform .25s,border-color .25s}
.btn:hover{transform:translateY(-2px)}
.btn-pine{background:var(--pine);color:var(--cream)}
.btn-pine:hover{background:var(--pine-mid)}
.btn-copper{background:var(--copper);color:#FFF}
.btn-copper:hover{background:#7E4F0E}
.btn-outline{background:transparent;color:var(--cream);border-color:rgba(244,239,228,.45)}
.btn-outline:hover{border-color:var(--cream);background:rgba(244,239,228,.08)}
.btn-outline-dark{background:transparent;color:var(--pine);border-color:var(--pine)}
.btn-outline-dark:hover{background:var(--pine);color:var(--cream)}
.btn .arr{font-family:var(--serif)}
.text-link{font-weight:650;color:var(--copper);text-decoration:none;border-bottom:2px solid var(--copper-soft);padding-bottom:2px;transition:border-color .25s,color .25s}
.text-link:hover{color:#7E4F0E;border-color:var(--copper)}

/* ---------- header ---------- */
.topbar{background:var(--pine-deep);color:var(--muted-on-dark);font-size:.84rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:40px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:var(--cream);text-decoration:none;font-weight:600}
.topbar a:hover{color:var(--copper-bright)}
.topbar .tb-item{display:inline-flex;gap:8px;align-items:baseline}
.topbar .tb-label{font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;color:var(--copper-bright);font-weight:700}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,253,248,.97);border-bottom:1px solid var(--line)}
.site-header.scrolled{box-shadow:0 10px 30px rgba(8,42,38,.10)}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:var(--header-h)}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--ink)}
.brand-mark{width:46px;height:46px;flex:none;background:var(--pine);color:var(--copper-bright);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1.55rem;font-weight:600;border-radius:4px;box-shadow:inset 0 0 0 1px rgba(201,138,46,.55)}
.brand-word{font-family:var(--serif);font-size:1.42rem;font-weight:600;letter-spacing:-.01em;line-height:1}
.main-nav{display:flex;align-items:center;gap:6px}
.main-nav a{position:relative;text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem;padding:10px 14px}
.main-nav a::after{content:"";position:absolute;left:14px;right:14px;bottom:4px;height:2px;background:var(--copper-bright);transform:scaleX(0);transform-origin:left;transition:transform .25s}
.main-nav a:hover::after,.main-nav a.active::after{transform:scaleX(1)}
.main-nav a.active{color:var(--pine)}
.header-cta{display:flex;align-items:center;gap:12px}
.header-cta .btn{padding:12px 22px}
.menu-btn{display:none;width:46px;height:46px;border:1px solid var(--line);background:var(--surface);border-radius:var(--radius);cursor:pointer;align-items:center;justify-content:center;color:var(--pine)}
.menu-btn svg{width:24px;height:24px}
.mobile-menu{display:none;border-top:1px solid var(--line);background:var(--surface);padding:14px 24px 20px}
.mobile-menu.open{display:block}
.mobile-menu a{display:block;padding:13px 6px;border-bottom:1px solid var(--paper-2);text-decoration:none;color:var(--ink);font-weight:600}
.mobile-menu a:last-child{border-bottom:0;margin-top:10px;text-align:center;background:var(--pine);color:var(--cream);border-radius:var(--radius);padding:14px}

/* ---------- home hero ---------- */
.hero{background:var(--pine-deep);color:var(--cream);position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(720px 420px at 88% -10%,rgba(201,138,46,.16),transparent 60%),radial-gradient(640px 480px at -12% 108%,rgba(20,82,74,.55),transparent 60%)}
.hero .wrap{position:relative}
.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:56px;align-items:center;padding:84px 0 108px}
.hero h1{margin-top:22px;color:#FFFDF6}
.hero h1 em{font-style:italic;color:var(--copper-bright)}
.hero .lead{margin-top:22px;color:var(--muted-on-dark)}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:34px}
.hero-community{display:flex;align-items:center;gap:16px;margin-top:38px;flex-wrap:wrap}
.avatars{display:flex}
.avatars span{width:44px;height:44px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.8rem;border:2px solid var(--pine-deep);margin-left:-10px;background:var(--copper-soft);color:var(--pine-deep)}
.avatars span:first-child{margin-left:0;background:var(--pine-mid);color:var(--cream)}
.avatars span:nth-child(2){background:var(--copper-bright);color:var(--pine-deep)}
.avatars span:nth-child(3){background:var(--sage);color:var(--pine-deep)}
.avatars span:last-child{background:#FFFDF6;font-size:.68rem}
.stars{color:var(--copper-bright);letter-spacing:3px;font-size:.95rem;line-height:1}
.community-text{font-size:.9rem;color:var(--muted-on-dark);margin-top:5px;font-weight:550}
.hero-media{position:relative}
.hero-photo{border-radius:8px;overflow:hidden;box-shadow:var(--shadow)}
.hero-photo img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3.1}
.hero-media::after{content:"";position:absolute;inset:18px -18px -18px 18px;border:1px solid rgba(201,138,46,.55);border-radius:8px;z-index:-1}
.ledger{background:var(--surface);color:var(--ink);border-radius:8px;box-shadow:var(--shadow);padding:22px 24px;position:relative;margin:-58px 28px 0;z-index:2}
.ledger-top{display:flex;justify-content:space-between;gap:16px;align-items:flex-start;flex-wrap:wrap}
.ledger-label{font-size:.72rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--copper)}
.ledger-balance{font-family:var(--serif);font-size:2.15rem;line-height:1.05;margin-top:6px}
.ledger-balance .cents{color:var(--pine-mid)}
.ledger-growth{font-size:.86rem;font-weight:700;color:var(--success);background:var(--sage);padding:7px 12px;border-radius:99px;white-space:nowrap}
.ledger-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}
.ledger-cell{border-top:1px solid var(--line);padding-top:12px}
.ledger-cell .k{font-size:.8rem;color:var(--muted);font-weight:600}
.ledger-cell .v{font-family:var(--serif);font-size:1.28rem;margin-top:2px}
.hero-notes{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:22px}
.hero-note{border:1px solid var(--line-on-dark);border-radius:8px;padding:16px 18px;background:rgba(255,253,248,.04)}
.hero-note .t{font-weight:700;font-size:.95rem;color:#FFFDF6}
.hero-note .d{font-size:.87rem;color:var(--muted-on-dark);margin-top:3px}

/* ticker */
.ticker{background:#0A1F1B;color:var(--cream);overflow:hidden;border-top:1px solid rgba(201,138,46,.4);padding:16px 0}
.ticker-track{display:flex;width:max-content;animation:ticker 30s linear infinite}
.ticker:hover .ticker-track{animation-play-state:paused}
.ticker-group{display:flex;gap:44px;padding-right:44px;font-family:var(--serif);font-style:italic;font-size:1.02rem;white-space:nowrap}
.ticker-group .star{color:var(--copper-bright);font-style:normal}
@keyframes ticker{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* calculator */
.calc{background:var(--surface);border:1px solid var(--line);border-radius:10px;overflow:hidden;display:grid;grid-template-columns:1.15fr .85fr;box-shadow:var(--shadow)}
.calc-controls{padding:40px}
.calc-controls h2{font-size:1.9rem}
.calc-controls .sub{color:var(--muted);margin-top:10px}
.calc-controls label{display:block;font-weight:650;font-size:.92rem;margin:22px 0 8px}
.calc-controls label output{font-family:var(--serif);font-size:1.25rem;color:var(--copper)}
.calc-controls input[type=range]{width:100%;accent-color:var(--copper);height:28px}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.calc-row label{margin-top:14px}
.calc-controls select{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:var(--radius);background:var(--paper);font:inherit;font-weight:600;color:var(--ink)}
.calc-help{font-size:.84rem;color:var(--muted);margin-top:14px}
.calc-result{background:var(--pine);color:var(--cream);padding:40px;display:flex;flex-direction:column;justify-content:center;align-items:flex-start}
.calc-result .k{font-size:.74rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--copper-bright)}
.calc-result .amount{font-family:var(--serif);font-size:3.6rem;line-height:1;margin-top:12px}
.calc-result .note{color:var(--muted-on-dark);font-size:.92rem;margin-top:10px}
.calc-result .btn{margin-top:26px}

/* about blocks */
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-bottom:64px}
.pillar{border-top:2px solid var(--copper-bright);padding-top:18px}
.pillar .t{font-family:var(--serif);font-size:1.22rem}
.pillar .d{color:var(--muted);font-size:.94rem;margin-top:6px}
.about-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:60px;align-items:start}
.about-media{position:relative}
.about-media img{border-radius:8px;box-shadow:var(--shadow);aspect-ratio:4/3.2;object-fit:cover;width:100%}
.about-caption{background:var(--pine);color:var(--cream);font-family:var(--serif);font-style:italic;font-size:1.12rem;padding:18px 22px;border-radius:0 0 8px 8px;margin-top:-8px;position:relative}
.about-copy h2{margin-top:18px}
.about-copy .body{color:var(--muted);margin-top:18px;display:grid;gap:16px;font-size:1.02rem}
.about-points{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:30px}
.about-point{border-left:2px solid var(--copper-bright);padding-left:16px}
.about-point .t{font-weight:700}
.about-point .d{color:var(--muted);font-size:.92rem;margin-top:4px}
.about-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:34px}

/* services index (home) */
.svc-index{border-top:1px solid var(--line)}
.svc-row{display:grid;grid-template-columns:84px 1.1fr 1fr;gap:32px;padding:34px 8px;border-bottom:1px solid var(--line);align-items:start;transition:background .25s}
.svc-row:hover{background:rgba(255,253,248,.65)}
.svc-num{font-family:var(--serif);font-style:italic;font-size:1.6rem;color:var(--copper)}
.svc-row h3 a{color:var(--ink);text-decoration:none}
.svc-row h3 a:hover{color:var(--pine-mid);text-decoration:underline;text-decoration-color:var(--copper-bright);text-underline-offset:5px}
.svc-eyebrow{font-size:.72rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--copper);margin-bottom:8px}
.svc-intro{color:var(--muted);margin-top:10px;font-size:.98rem;max-width:520px}
.svc-links{list-style:none;margin:4px 0 0;padding:0;display:grid;gap:2px}
.svc-links a{color:var(--pine-mid);text-decoration:none;font-weight:550;font-size:.96rem;display:flex;justify-content:space-between;gap:12px;padding:7px 10px;border-radius:4px}
.svc-links a:hover{background:var(--surface);color:var(--copper)}
.svc-links a::after{content:"→";color:var(--copper-bright)}

/* why / reviews */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.why-card{background:var(--surface);border:1px solid var(--line);border-radius:8px;padding:30px}
.why-card::before{content:"";display:block;width:44px;height:3px;background:var(--copper-bright);margin-bottom:20px}
.why-card p{color:var(--muted);margin-top:12px;font-size:.98rem}
.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.review-card{background:var(--surface);border:1px solid var(--line);border-radius:8px;padding:32px;margin:0;display:flex;flex-direction:column;gap:20px}
.review-card .qmark{font-family:var(--serif);font-size:2.6rem;line-height:.6;color:var(--copper-bright)}
.review-card blockquote{margin:0;font-family:var(--serif);font-size:1.08rem;line-height:1.55}
.review-card figcaption{margin-top:auto;border-top:1px solid var(--line);padding-top:16px;font-size:.9rem;font-weight:650;color:var(--pine-mid)}

/* FAQ */
.faq-wrap{max-width:860px;margin:0 auto}
.faq-search{margin-bottom:26px}
.faq-search input{width:100%;padding:16px 18px;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface);font:inherit;color:var(--ink)}
.faq-item{border-top:1px solid var(--line)}
.faq-item:last-of-type{border-bottom:1px solid var(--line)}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;text-align:left;background:none;border:0;cursor:pointer;padding:22px 6px;font-family:var(--serif);font-size:1.18rem;color:var(--ink)}
.faq-icon{flex:none;width:34px;height:34px;border:1px solid var(--copper);color:var(--copper);border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1.2rem;font-family:var(--sans);transition:transform .3s,background .3s,color .3s}
.faq-item.open .faq-icon{transform:rotate(45deg);background:var(--pine);color:var(--cream);border-color:var(--pine)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .45s ease}
.faq-a p{color:var(--muted);padding:0 6px 24px;max-width:720px}
.faq-item.open .faq-a{max-height:420px}
.faq-empty{display:none;text-align:center;font-weight:600;color:var(--muted);border:1px dashed var(--copper);border-radius:8px;padding:26px;margin-top:22px}
.faq-empty.show{display:block}

/* CTA */
.cta-band{background:var(--pine-deep);color:var(--cream);text-align:center;padding:88px 0}
.cta-band h2{color:#FFFDF6;max-width:720px;margin:0 auto}
.cta-band p{color:var(--muted-on-dark);max-width:620px;margin:18px auto 0;font-size:1.05rem}
.cta-band .actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:34px}

/* ---------- inner pages ---------- */
.page-hero{background:var(--pine-deep);color:var(--cream);padding:72px 0 76px;position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(620px 340px at 90% -20%,rgba(201,138,46,.16),transparent 60%)}
.page-hero .wrap{position:relative}
.crumbs{font-size:.86rem;color:var(--muted-on-dark);margin-bottom:22px}
.crumbs a{color:var(--cream);text-decoration:none;font-weight:600}
.crumbs a:hover{color:var(--copper-bright)}
.page-hero h1{color:#FFFDF6;margin-top:16px;max-width:820px}
.page-hero .lead{margin-top:18px}

/* services page */
.svc-layout{display:grid;grid-template-columns:264px 1fr;gap:56px;align-items:start}
.svc-nav{position:sticky;top:118px;border:1px solid var(--line);background:var(--surface);border-radius:8px;padding:10px}
.svc-nav a{display:flex;gap:12px;align-items:baseline;padding:12px 14px;border-radius:5px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}
.svc-nav a .n{font-family:var(--serif);font-style:italic;color:var(--copper);font-size:.95rem}
.svc-nav a:hover{background:var(--paper)}
.svc-nav a.active{background:var(--pine);color:var(--cream)}
.svc-nav a.active .n{color:var(--copper-bright)}
.cat{padding:56px 0;border-bottom:1px solid var(--line)}
.cat:first-child{padding-top:8px}
.cat:last-child{border-bottom:0}
.cat-head{margin-bottom:34px;max-width:720px}
.cat-head h2{margin-top:14px}
.cat-head .lead{margin-top:14px}
.cat-extra{display:flex;gap:14px;flex-wrap:wrap;align-items:stretch;margin:-8px 0 30px}
.cat-stat{background:var(--pine);color:var(--cream);border-radius:8px;padding:18px 22px}
.cat-stat .a{font-size:.88rem;color:var(--muted-on-dark)}
.cat-stat .b{font-family:var(--serif);font-size:1.5rem}
.step-strip{display:flex;gap:10px;flex-wrap:wrap}
.step-chip{border:1px solid var(--copper);color:var(--pine);background:var(--copper-soft);font-weight:700;font-size:.85rem;letter-spacing:.06em;padding:10px 16px;border-radius:99px}
.pay-panel{background:var(--pine-deep);color:var(--cream);border-radius:8px;padding:20px 24px;display:flex;gap:22px;align-items:center;flex-wrap:wrap}
.pay-panel .amt{font-family:var(--serif);font-size:1.3rem}
.pay-panel .ok{color:#9FD8B4;font-weight:650;font-size:.92rem}
.pay-panel .acts{display:flex;gap:8px;margin-left:auto}
.pay-panel .acts span{border:1px solid var(--line-on-dark);padding:8px 14px;border-radius:5px;font-size:.8rem;font-weight:700;letter-spacing:.1em}
.svc-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.svc-card{background:var(--surface);border:1px solid var(--line);border-radius:8px;padding:30px;display:flex;flex-direction:column}
.svc-card .kicker{font-size:.74rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--copper);margin-bottom:10px}
.svc-card .badge{align-self:flex-start;font-size:.7rem;font-weight:800;letter-spacing:.16em;background:var(--copper);color:#FFF;padding:6px 12px;border-radius:4px;margin-bottom:16px}
.svc-card .desc{color:var(--muted);font-size:.98rem;margin-top:12px}
.svc-card ul{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:8px;font-size:.94rem;font-weight:550}
.svc-card .meta{margin-top:18px;padding-top:16px;border-top:1px solid var(--paper-2);font-size:.88rem;font-weight:650;color:var(--pine-mid);display:grid;gap:6px}
.svc-card .cta{margin-top:20px}
.svc-card .cta .text-link{font-size:.98rem}
.scrollrow-wrap{position:relative}
.scrollrow{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(320px,420px);gap:22px;overflow-x:auto;padding:6px 2px 18px;scroll-snap-type:x mandatory}
.scrollrow>.svc-card{scroll-snap-align:start}
.scroll-btns{display:flex;gap:10px;margin-bottom:18px}
.scroll-btn{width:46px;height:46px;border-radius:50%;border:1px solid var(--pine);background:transparent;color:var(--pine);font-size:1.15rem;cursor:pointer}
.scroll-btn:hover{background:var(--pine);color:var(--cream)}
.scroll-tip{font-size:.86rem;color:var(--muted);margin-top:4px}

/* contact / forms */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.contact-info{display:grid;gap:0}
.contact-info .row{border-top:1px solid var(--line);padding:24px 0}
.contact-info .row:first-child{border-top:0;padding-top:0}
.contact-info .k{font-size:.74rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--copper)}
.contact-info .v{font-family:var(--serif);font-size:1.5rem;margin-top:8px;line-height:1.3}
.contact-info .v a{color:var(--ink);text-decoration:none}
.contact-info .v a:hover{color:var(--copper);text-decoration:underline;text-underline-offset:5px}
.form-card{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:40px;box-shadow:var(--shadow)}
.form-card h3{font-size:1.7rem}
.form-card .sub{color:var(--muted);margin-top:10px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:28px}
.field{display:grid;gap:8px}
.field.full{grid-column:1/-1}
.field label{font-weight:650;font-size:.9rem}
.field input,.field select,.field textarea{width:100%;padding:14px 15px;border:1px solid var(--line);border-radius:var(--radius);background:var(--paper);font:inherit;color:var(--ink)}
.field textarea{min-height:132px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--pine-mid);background:var(--surface)}
.field.invalid input,.field.invalid select,.field.invalid textarea{border-color:var(--error)}
.err{display:none;font-size:.84rem;font-weight:600;color:var(--error)}
.err.show{display:block}
.check{grid-column:1/-1;display:flex;gap:12px;align-items:flex-start;border:1px dashed var(--copper-bright);background:#FBF4E3;border-radius:8px;padding:16px 18px}
.check input{width:20px;height:20px;flex:none;margin-top:2px;accent-color:var(--pine)}
.check label{font-size:.92rem;font-weight:550}
.check.invalid{border-color:var(--error);background:#FBEDEB}
.form-card .submit{grid-column:1/-1;width:100%;margin-top:4px}
.success{display:none;text-align:center;background:var(--sage);border:1px solid var(--success);border-radius:10px;padding:44px 34px;margin-top:28px}
.success.show{display:block}
.success .mark{width:64px;height:64px;margin:0 auto 18px;border-radius:50%;background:var(--pine);color:var(--cream);display:flex;align-items:center;justify-content:center;font-size:1.7rem}
.success h3{color:var(--pine-deep)}
.success p{color:var(--pine);margin-top:12px;max-width:480px;margin-left:auto;margin-right:auto}
.success .chips{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-top:20px;font-size:.88rem;font-weight:700;color:var(--pine)}
.success .btn{margin-top:26px}
.form-note{text-align:center;color:var(--muted);font-size:.93rem;margin-top:22px}
.center-form{max-width:760px;margin:0 auto}

/* legal */
.legal-layout{display:grid;grid-template-columns:280px 1fr;gap:56px;align-items:start}
.legal-toc{position:sticky;top:118px;border:1px solid var(--line);background:var(--surface);border-radius:8px;padding:12px}
.legal-toc a{display:block;padding:10px 12px;border-radius:5px;color:var(--ink);text-decoration:none;font-size:.92rem;font-weight:550}
.legal-toc a:hover{background:var(--paper);color:var(--copper)}
.legal-body{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:48px}
.legal-body .intro{font-size:1.06rem;color:var(--muted)}
.legal-body h3{margin-top:38px;padding-top:30px;border-top:1px solid var(--paper-2)}
.legal-body h3:first-of-type{border-top:0}
.legal-body .clause{color:var(--muted);margin-top:12px}
.legal-body .actions{margin-top:44px;padding-top:30px;border-top:1px solid var(--paper-2)}

/* footer */
.site-footer{background:var(--pine-deep);color:var(--muted-on-dark)}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:44px;padding:72px 0 48px}
.footer-brand .brand-word{color:#FFFDF6}
.footer-brand p{margin-top:18px;font-size:.97rem;max-width:340px}
.footer-col h4{margin:0 0 18px;font-size:.78rem;letter-spacing:.2em;text-transform:uppercase;color:var(--copper-bright);font-family:var(--sans)}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:11px}
.footer-col a{color:var(--muted-on-dark);text-decoration:none;font-size:.96rem}
.footer-col a:hover{color:#FFFDF6;text-decoration:underline;text-underline-offset:4px}
.footer-bottom{border-top:1px solid var(--line-on-dark);padding:24px 0 30px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;align-items:center;font-size:.9rem}
.footer-bottom .links{display:flex;gap:22px}
.footer-bottom a{color:var(--muted-on-dark);text-decoration:none;font-weight:600}
.footer-bottom a:hover{color:#FFFDF6}

/* toast */
#toast-root{position:fixed;right:20px;bottom:20px;z-index:400;display:grid;gap:12px;max-width:min(400px,calc(100vw - 40px))}
.toast{background:var(--pine-deep);color:var(--cream);border-left:5px solid var(--copper-bright);border-radius:8px;box-shadow:0 20px 46px rgba(0,0,0,.3);padding:16px 18px;display:flex;gap:14px;align-items:flex-start;animation:toastIn .35s ease}
.toast.error{border-left-color:#E07A6B}
.toast .ticon{flex:none;width:30px;height:30px;border-radius:50%;background:var(--copper);color:#FFF;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.95rem;margin-top:2px}
.toast.error .ticon{background:#B3261E}
.toast .ttitle{font-weight:700;color:#FFFDF6;line-height:1.35}
.toast .tbody{font-size:.9rem;color:var(--muted-on-dark);margin-top:3px;line-height:1.5}
.toast .tclose{flex:none;background:none;border:0;color:var(--muted-on-dark);cursor:pointer;font-size:1.15rem;line-height:1;padding:4px}
.toast .tclose:hover{color:#FFF}
.toast.hide{animation:toastOut .3s ease forwards}
@keyframes toastIn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
@keyframes toastOut{to{opacity:0;transform:translateY(10px)}}

/* misc */
#toTop{position:fixed;right:20px;bottom:92px;z-index:90;width:48px;height:48px;border-radius:50%;border:1px solid var(--pine);background:var(--pine);color:var(--cream);font-size:1.2rem;cursor:pointer;opacity:0;pointer-events:none;transform:translateY(12px);transition:all .3s}
#toTop.show{opacity:1;pointer-events:auto;transform:none}
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}

/* responsive */
@media(max-width:1024px){
  .hero-grid{grid-template-columns:1fr;gap:44px;padding:64px 0 84px}
  .about-grid,.contact-grid,.legal-layout,.svc-layout{grid-template-columns:1fr;gap:40px}
  .svc-nav,.legal-toc{position:static}
  .svc-nav{display:flex;overflow-x:auto;gap:4px}
  .svc-nav a{white-space:nowrap}
  .why-grid,.review-grid{grid-template-columns:1fr 1fr}
  .pillars{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .main-nav,.header-cta .btn{display:none}
  .menu-btn{display:flex}
}
@media(max-width:680px){
  .section{padding:68px 0}
  .calc{grid-template-columns:1fr}
  .calc-controls,.calc-result,.form-card,.legal-body{padding:28px 22px}
  .svc-row{grid-template-columns:1fr;gap:14px}
  .svc-grid,.why-grid,.review-grid,.form-grid,.about-points,.hero-notes{grid-template-columns:1fr}
  .ledger{margin:-44px 10px 0}
  .topbar .tb-addr{display:none}
  .footer-grid{grid-template-columns:1fr}
  .scrollrow{grid-auto-columns:minmax(272px,86vw)}
  #toTop{bottom:104px}
}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
  .ticker-track{animation:none;flex-wrap:wrap;width:auto}
  .reveal{opacity:1;transform:none}
}