/* =========================================================
   Crown Money — Mortgage PayOff Plan
   Brand: #250B40 (purple), #E6DEEE (lavender), white, gold accent
   ========================================================= */
:root {
  --purple-950: #12051f;
  --purple-900: #1b0832;
  --purple-800: #250b40;
  --purple-700: #3a1763;
  --purple-600: #52248a;
  --purple-400: #8e6bc2;
  --lavender: #e6deee;
  --lavender-50: #f7f4fb;
  --gold: #d4a72c;
  --gold-light: #f0cd6b;
  --gold-soft: #f8f0dc;
  --green: #14a37f;
  --green-soft: #e1f6ef;
  --red: #d14343;
  --red-soft: #fdecec;
  --ink: #1b1029;
  --ink-soft: #544867;
  --ink-mute: #84799a;
  --line: #e7e0ef;
  --glass-dark: rgba(255, 255, 255, .06);
  --glass-dark-line: rgba(255, 255, 255, .14);
  --glass-light: rgba(255, 255, 255, .74);
  --glass-light-line: rgba(255, 255, 255, .9);
  --radius-lg: 28px;
  --radius: 18px;
  --radius-sm: 12px;
  --shadow-sm: 0 1px 2px rgba(37, 11, 64, .06), 0 4px 14px rgba(37, 11, 64, .06);
  --shadow: 0 2px 6px rgba(37, 11, 64, .05), 0 18px 48px rgba(37, 11, 64, .12);
  --font: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --display: "Sora", "Inter", system-ui, sans-serif;
  --max: 1180px;
  --ease: cubic-bezier(.2, .8, .2, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font-family: var(--font); font-size: 16px; line-height: 1.6; color: var(--ink); background: var(--lavender-50); -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img, svg, video, canvas { max-width: 100%; display: block; }
a { color: var(--purple-600); }
h1, h2, h3, h4 { font-family: var(--display); line-height: 1.12; margin: 0 0 .5em; color: var(--purple-900); letter-spacing: -.02em; }
h1 { font-size: clamp(2.3rem, 6vw, 4.2rem); font-weight: 800; }
h2 { font-size: clamp(1.75rem, 4vw, 2.75rem); font-weight: 800; }
h3 { font-size: 1.2rem; font-weight: 700; letter-spacing: -.01em; }
p { margin: 0 0 1em; }
.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.hidden { display: none !important; }
.grad-text { background: linear-gradient(100deg, var(--gold-light), var(--gold) 40%, #fff3c7 70%, var(--gold)); background-size: 200% auto; -webkit-background-clip: text; background-clip: text; color: transparent; animation: shimmer 6s linear infinite; }
@keyframes shimmer { to { background-position: 200% center; } }

/* ---------- Header ---------- */
.site-header { position: fixed; top: 0; left: 0; right: 0; z-index: 50; transition: background .3s var(--ease), box-shadow .3s var(--ease); }
.site-header .container { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 16px; }
.site-header.scrolled, .site-header.solid { background: rgba(255, 255, 255, .8); backdrop-filter: blur(18px) saturate(160%); -webkit-backdrop-filter: blur(18px) saturate(160%); box-shadow: 0 1px 0 rgba(37, 11, 64, .08); }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { height: 46px; width: auto; }
.brand .logo-light { display: none; }
.site-header.on-dark:not(.scrolled) .logo-dark { display: none; }
.site-header.on-dark:not(.scrolled) .logo-light { display: block; height: 40px; }
.brand span { font-size: .7rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-soft); border-left: 1px solid var(--line); padding-left: 12px; line-height: 1.25; }
.site-header.on-dark:not(.scrolled) .brand span { color: #d9cdea; border-color: rgba(255, 255, 255, .2); }
.header-cta { display: flex; align-items: center; gap: 16px; }
.header-phone { font-weight: 700; color: var(--purple-800); text-decoration: none; font-size: .95rem; }
.site-header.on-dark:not(.scrolled) .header-phone { color: #fff; }
@media (max-width: 560px) { .brand span, .header-phone { display: none; } }

/* ---------- Buttons ---------- */
.btn { position: relative; display: inline-flex; align-items: center; justify-content: center; gap: 10px; font: inherit; font-weight: 700; font-size: 1rem; padding: 15px 28px; min-height: 52px; border-radius: 999px; border: 1px solid transparent; cursor: pointer; text-decoration: none; overflow: hidden; isolation: isolate; transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s var(--ease), color .25s; }
.btn:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }
.btn-primary { background: linear-gradient(135deg, #f3d77f, var(--gold) 55%, #b98b16); color: var(--purple-950); box-shadow: 0 10px 30px rgba(212, 167, 44, .38), inset 0 1px 0 rgba(255, 255, 255, .5); }
.btn-primary::after { content: ""; position: absolute; inset: 0; background: linear-gradient(120deg, transparent 30%, rgba(255, 255, 255, .55) 50%, transparent 70%); transform: translateX(-120%); transition: transform .8s var(--ease); z-index: -1; }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 16px 40px rgba(212, 167, 44, .5), inset 0 1px 0 rgba(255, 255, 255, .5); }
.btn-primary:hover::after { transform: translateX(120%); }
.btn-dark { background: var(--purple-800); color: #fff; box-shadow: 0 10px 30px rgba(37, 11, 64, .3); }
.btn-dark:hover { background: var(--purple-700); transform: translateY(-2px); }
.btn-glass { background: rgba(255, 255, 255, .08); color: #fff; border-color: rgba(255, 255, 255, .25); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); }
.btn-glass:hover { background: rgba(255, 255, 255, .16); }
.btn-outline { background: #fff; color: var(--purple-800); border-color: var(--line); box-shadow: var(--shadow-sm); }
.btn-outline:hover { border-color: var(--purple-400); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--ink-soft); padding-left: 14px; padding-right: 14px; }
.btn-ghost:hover { color: var(--purple-800); }
.btn-sm { padding: 10px 20px; min-height: 42px; font-size: .92rem; }
.btn-lg { padding: 19px 36px; min-height: 60px; font-size: 1.08rem; }
.btn[disabled] { opacity: .55; cursor: not-allowed; transform: none !important; }
.btn .arrow { transition: transform .25s var(--ease); }
.btn:hover .arrow { transform: translateX(4px); }

/* ---------- Dark / aurora ---------- */
.dark { position: relative; background: radial-gradient(1200px 700px at 80% -10%, #4b1f80 0%, transparent 60%), radial-gradient(900px 600px at -10% 110%, #3a1466 0%, transparent 55%), linear-gradient(180deg, var(--purple-900), var(--purple-950)); color: #d9cdea; overflow: hidden; }
.dark h1, .dark h2, .dark h3 { color: #fff; }
.orb { position: absolute; border-radius: 50%; filter: blur(70px); opacity: .55; pointer-events: none; animation: float 18s ease-in-out infinite; }
.orb-gold { background: radial-gradient(circle, rgba(212, 167, 44, .7), transparent 65%); }
.orb-purple { background: radial-gradient(circle, rgba(142, 107, 194, .8), transparent 65%); }
@keyframes float { 0%, 100% { transform: translate(0, 0) scale(1); } 33% { transform: translate(30px, -40px) scale(1.08); } 66% { transform: translate(-25px, 25px) scale(.95); } }
.grid-bg { position: absolute; inset: 0; background-image: linear-gradient(rgba(255, 255, 255, .04) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .04) 1px, transparent 1px); background-size: 56px 56px; mask-image: radial-gradient(ellipse at 50% 30%, #000 30%, transparent 75%); -webkit-mask-image: radial-gradient(ellipse at 50% 30%, #000 30%, transparent 75%); pointer-events: none; }
.glass { background: var(--glass-dark); border: 1px solid var(--glass-dark-line); border-radius: var(--radius-lg); backdrop-filter: blur(22px) saturate(150%); -webkit-backdrop-filter: blur(22px) saturate(150%); box-shadow: 0 30px 80px rgba(0, 0, 0, .35), inset 0 1px 0 rgba(255, 255, 255, .12); }
.glass-light { background: var(--glass-light); border: 1px solid var(--glass-light-line); border-radius: var(--radius-lg); backdrop-filter: blur(22px) saturate(160%); -webkit-backdrop-filter: blur(22px) saturate(160%); box-shadow: var(--shadow); }

/* ---------- Hero ---------- */
.hero { min-height: 100vh; min-height: 100svh; display: flex; align-items: center; padding: 120px 0 100px; }
#hero-canvas { position: absolute; inset: 0; width: 100%; height: 100%; z-index: 0; }
.hero .container { position: relative; z-index: 2; display: grid; gap: 48px; align-items: center; width: 100%; }
@media (min-width: 980px) { .hero .container { grid-template-columns: 1.1fr .9fr; } }
.hero .lead { font-size: clamp(1.05rem, 1.6vw, 1.22rem); max-width: 34em; color: #d9cdea; }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; background: rgba(212, 167, 44, .12); border: 1px solid rgba(212, 167, 44, .35); color: var(--gold-light); font-weight: 700; font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; padding: 7px 16px; border-radius: 999px; margin-bottom: 22px; backdrop-filter: blur(8px); }
.eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gold); animation: pulse 2s infinite; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(212, 167, 44, .6); } 70% { box-shadow: 0 0 0 12px rgba(212, 167, 44, 0); } 100% { box-shadow: 0 0 0 0 rgba(212, 167, 44, 0); } }
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: 14px; margin: 32px 0 26px; }
.hero-note { font-size: .9rem; color: #b9a8d1; display: flex; flex-wrap: wrap; gap: 8px 22px; }
.hero-note span::before { content: "✓"; color: var(--gold); font-weight: 800; margin-right: 6px; }
.hero-card { padding: 28px; color: #e9e1f4; transition: transform .2s ease-out; }
.hero-card .label { font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; color: #b9a8d1; font-weight: 700; }
.hero-card .big { font-family: var(--display); font-size: clamp(2rem, 4vw, 2.7rem); font-weight: 800; color: #fff; line-height: 1.1; margin: 8px 0 18px; }
.hero-card .rows { display: grid; gap: 10px; }
.hero-card .row { display: flex; justify-content: space-between; align-items: center; padding: 13px 16px; background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .08); border-radius: 14px; font-size: .95rem; }
.hero-card .row strong { color: #fff; }
.hero-card .row .good { color: #6fe3bf; }
.hero-card .meter-bar { position: relative; height: 10px; border-radius: 99px; background: rgba(255, 255, 255, .1); overflow: hidden; margin-top: 8px; }
.hero-card .meter-bar span { position: absolute; inset: 0 auto 0 0; width: 62%; background: linear-gradient(90deg, var(--gold), var(--gold-light)); border-radius: 99px; animation: grow 2.4s var(--ease) both .4s; }
@keyframes grow { from { width: 0; } }
.hero-card .sample { font-size: .74rem; color: #9b8bb4; margin: 14px 0 0; }
.scroll-cue { position: absolute; left: 50%; bottom: 80px; transform: translateX(-50%); z-index: 2; width: 26px; height: 42px; border: 2px solid rgba(255, 255, 255, .3); border-radius: 14px; }
.scroll-cue::after { content: ""; position: absolute; left: 50%; top: 8px; width: 4px; height: 8px; margin-left: -2px; background: var(--gold); border-radius: 2px; animation: cue 1.8s infinite; }
@keyframes cue { 0% { opacity: 1; transform: translateY(0); } 100% { opacity: 0; transform: translateY(14px); } }
@media (max-width: 979px), (max-height: 1000px) { .scroll-cue { display: none; } }

/* ---------- Stats ---------- */
.stat-band { position: relative; z-index: 3; margin-top: -56px; }
.stats-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; overflow: hidden; border-radius: var(--radius-lg); background: var(--line); box-shadow: var(--shadow); }
@media (min-width: 860px) { .stats-grid { grid-template-columns: repeat(4, 1fr); } }
.stat { background: #fff; padding: 26px 20px; text-align: center; }
.stat strong { display: block; font-family: var(--display); font-size: clamp(1.5rem, 3vw, 2.1rem); font-weight: 800; color: var(--purple-800); line-height: 1.1; }
.stat > span { display: block; margin-top: 6px; font-size: .88rem; line-height: 1.4; color: var(--ink-soft); }
@media (max-width: 600px) { .stat { padding: 20px 12px; } }

/* ---------- Sections ---------- */
.section { position: relative; padding: 110px 0; }
.section-white { background: #fff; }
.section-head { max-width: 720px; margin: 0 auto 56px; text-align: center; }
.section-head p { color: var(--ink-soft); font-size: 1.1rem; }
.dark .section-head p { color: #c8b9de; }
.kicker { display: inline-block; font-size: .78rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--purple-600); margin-bottom: 14px; }
.dark .kicker { color: var(--gold-light); }
.grid-2, .grid-3, .grid-4 { display: grid; gap: 22px; }
@media (min-width: 860px) { .grid-2 { grid-template-columns: repeat(2, 1fr); } .grid-3 { grid-template-columns: repeat(3, 1fr); } .grid-4 { grid-template-columns: repeat(4, 1fr); } }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm); transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card p { color: var(--ink-soft); margin: 0; }
.dark .card { background: var(--glass-dark); border-color: var(--glass-dark-line); backdrop-filter: blur(18px); -webkit-backdrop-filter: blur(18px); box-shadow: none; }
.dark .card p { color: #c8b9de; }
.step-num { width: 48px; height: 48px; border-radius: 14px; background: linear-gradient(135deg, var(--purple-700), var(--purple-800)); color: var(--gold-light); display: grid; place-items: center; font-family: var(--display); font-weight: 800; font-size: 1.2rem; margin-bottom: 18px; box-shadow: 0 8px 20px rgba(37, 11, 64, .25); }
.dark .step-num { background: linear-gradient(135deg, rgba(212, 167, 44, .3), rgba(212, 167, 44, .08)); border: 1px solid rgba(212, 167, 44, .4); }
.icon-tile { width: 52px; height: 52px; border-radius: 16px; background: linear-gradient(135deg, var(--gold-soft), #fff); border: 1px solid #f0e2bb; display: grid; place-items: center; margin-bottom: 16px; font-size: 1.5rem; }
.dark .icon-tile { background: rgba(212, 167, 44, .12); border-color: rgba(212, 167, 44, .3); }
.checklist { list-style: none; padding: 0; margin: 0; display: grid; gap: 14px; }
.checklist li { padding-left: 36px; position: relative; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 2px; width: 24px; height: 24px; border-radius: 50%; background: var(--green-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%2314a37f' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/15px no-repeat; }

.media-strip { padding: 44px 0; background: #fff; border-bottom: 1px solid var(--line); overflow: hidden; }
.media-strip p { text-align: center; font-size: .76rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--ink-mute); margin-bottom: 22px; }
.marquee-wrap { overflow: hidden; mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee { display: flex; align-items: center; width: max-content; gap: 64px; animation: marquee 45s linear infinite; }
.marquee img { height: 28px; width: auto; max-width: 170px; object-fit: contain; filter: grayscale(1); opacity: .6; transition: opacity .3s, filter .3s; }
.marquee img:hover { filter: none; opacity: 1; }
@keyframes marquee { to { transform: translateX(-50%); } }

.compare { display: grid; gap: 18px; }
@media (min-width: 860px) { .compare { grid-template-columns: repeat(3, 1fr); } }
.compare-card { padding: 30px 26px; text-align: center; }
.compare-card .label-sm { font-size: .74rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: #b9a8d1; }
.compare-card .us { font-family: var(--display); font-size: clamp(2.2rem, 4vw, 3rem); font-weight: 800; color: #fff; line-height: 1.1; margin-top: 10px; }
.compare-card .them { font-size: .92rem; color: #c8b9de; margin-top: 8px; }
.compare-card.feature { background: linear-gradient(160deg, rgba(212, 167, 44, .22), rgba(212, 167, 44, .04)); border-color: rgba(212, 167, 44, .45); }
.source-note { font-size: .76rem; color: #9b8bb4; text-align: center; margin-top: 18px; }

.video-embed { position: relative; padding-top: 56.25%; border-radius: var(--radius-lg); overflow: hidden; background: #000; box-shadow: var(--shadow); }
.video-embed iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.why-grid { display: grid; gap: 56px; align-items: center; }
@media (min-width: 980px) { .why-grid { grid-template-columns: 1fr 1fr; } }
.why-list { list-style: none; padding: 0; margin: 24px 0 0; display: grid; gap: 22px; }
.why-list li { display: grid; grid-template-columns: 48px 1fr; gap: 16px; }
.why-list .ico { width: 48px; height: 48px; border-radius: 14px; background: var(--lavender); color: var(--purple-800); display: grid; place-items: center; font-weight: 800; font-family: var(--display); }
.why-list strong { display: block; color: var(--purple-900); margin-bottom: 2px; font-size: 1.05rem; }
.why-list span { color: var(--ink-soft); font-size: .96rem; }
.photo-card { position: relative; }
.photo-card img { border-radius: var(--radius-lg); width: 100%; box-shadow: var(--shadow); }
.badge-float { position: absolute; padding: 18px 22px; border-radius: 18px; color: #fff; }
.badge-float strong { display: block; font-family: var(--display); font-size: 1.8rem; line-height: 1; }
.badge-float span { font-size: .8rem; color: #d9cdea; }
.badge-a { left: -14px; bottom: -22px; background: rgba(37, 11, 64, .88); backdrop-filter: blur(14px); border: 1px solid rgba(255, 255, 255, .15); }
.badge-b { right: -14px; top: -22px; background: rgba(212, 167, 44, .95); color: var(--purple-950); }
.badge-b span { color: var(--purple-800); }
@media (max-width: 600px) { .badge-a { left: 12px; } .badge-b { right: 12px; } }

.t-card { background: #fff; border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--line); display: flex; flex-direction: column; box-shadow: var(--shadow-sm); transition: transform .35s var(--ease), box-shadow .35s; }
.t-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.t-card img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; }
.t-card .t-body { padding: 24px; display: flex; flex-direction: column; flex: 1; }
.t-card blockquote { margin: 0 0 16px; color: var(--ink); font-size: .97rem; flex: 1; }
.t-card cite { font-style: normal; font-weight: 800; color: var(--purple-800); }
.stars { color: var(--gold); letter-spacing: 3px; margin-bottom: 10px; }
.video-grid { display: grid; gap: 18px; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); margin-top: 32px; }
.video-tile { border-radius: var(--radius); overflow: hidden; background: #000; box-shadow: var(--shadow-sm); }
.video-tile video { width: 100%; aspect-ratio: 9 / 13; object-fit: cover; background: #000; }
.video-tile .cap { background: #fff; padding: 12px 16px; font-weight: 700; font-size: .92rem; color: var(--purple-800); }
.awards { display: flex; flex-wrap: wrap; justify-content: center; gap: 22px; }
.awards figure { margin: 0; width: 132px; text-align: center; transition: transform .35s var(--ease); }
.awards figure:hover { transform: translateY(-6px) scale(1.04); }
.awards img { width: 118px; height: 118px; object-fit: contain; margin: 0 auto; filter: drop-shadow(0 8px 16px rgba(37, 11, 64, .15)); }
.awards figcaption { font-size: .72rem; color: var(--ink-soft); margin-top: 8px; line-height: 1.35; }
.team-grid { display: grid; gap: 20px; grid-template-columns: repeat(auto-fill, minmax(150px, 1fr)); }
.team-member { text-align: center; }
.team-member .ph { border-radius: 22px; overflow: hidden; background: var(--lavender); aspect-ratio: 1; }
.team-member img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s var(--ease); }
.team-member:hover img { transform: scale(1.06); }
.team-member strong { display: block; margin-top: 12px; color: var(--purple-900); font-size: .95rem; }
.team-member span { font-size: .8rem; color: var(--ink-soft); }
.cta-band { position: relative; border-radius: 36px; padding: 70px 28px; text-align: center; overflow: hidden; }
.cta-band > *:not(.orb) { position: relative; }
.cta-band p { color: #d9cdea; font-size: 1.1rem; }

.faq { max-width: 820px; margin: 0 auto; display: grid; gap: 12px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); transition: box-shadow .3s; }
.faq details[open] { box-shadow: var(--shadow-sm); }
.faq summary { cursor: pointer; padding: 20px 24px; font-weight: 700; color: var(--purple-900); list-style: none; display: flex; justify-content: space-between; gap: 16px; align-items: center; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.5rem; line-height: 1; color: var(--gold); transition: transform .3s var(--ease); }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { padding: 0 24px 20px; margin: 0; color: var(--ink-soft); }

.site-footer { background: var(--purple-950); color: #b9a8d1; padding: 64px 0 34px; font-size: .9rem; }
.site-footer a { color: #e6deee; text-decoration: none; }
.site-footer a:hover { color: var(--gold-light); }
.footer-cols { display: grid; gap: 32px; }
@media (min-width: 860px) { .footer-cols { grid-template-columns: 1.4fr 1fr 1fr; } }
.footer-cols h4 { color: #fff; font-family: var(--font); font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 14px; }
.footer-cols ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.footer-logo { height: 58px; width: auto; margin-bottom: 16px; }
.mfaa { display: flex; align-items: center; gap: 14px; margin-top: 16px; font-size: .82rem; }
.mfaa img { height: 56px; width: auto; background: #fff; border-radius: 10px; padding: 5px; }
.disclaimer { border-top: 1px solid rgba(255, 255, 255, .1); margin-top: 36px; padding-top: 22px; font-size: .78rem; line-height: 1.7; color: #9b8bb4; }

.reveal { opacity: 0; transform: translateY(28px); transition: opacity .9s var(--ease), transform .9s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal-d1 { transition-delay: .1s; } .reveal-d2 { transition-delay: .2s; } .reveal-d3 { transition-delay: .3s; }

/* =========================================================
   Plan builder
   ========================================================= */
.builder-page { min-height: 100vh; background: radial-gradient(900px 600px at 100% 0%, #ece0fa 0%, transparent 60%), radial-gradient(700px 500px at 0% 100%, #fbefd3 0%, transparent 60%), var(--lavender-50); background-attachment: fixed; }
.builder { padding: 110px 0 90px; }
.builder-shell { max-width: 840px; margin: 0 auto; }
.builder-intro { text-align: center; margin-bottom: 30px; }
.builder-intro h1 { font-size: clamp(1.9rem, 4.4vw, 2.8rem); }
.builder-intro p { color: var(--ink-soft); }
.progress { margin-bottom: 22px; }
.progress-top { display: flex; justify-content: space-between; font-size: .86rem; color: var(--ink-soft); margin-bottom: 10px; font-weight: 600; }
.progress-bar { height: 10px; background: rgba(37, 11, 64, .08); border-radius: 999px; overflow: hidden; }
.progress-bar span { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--purple-600), var(--gold)); border-radius: 999px; transition: width .5s var(--ease); }
.step-dots { display: none; }
@media (min-width: 760px) {
  .step-dots { display: flex; justify-content: space-between; margin-top: 12px; font-size: .72rem; color: var(--ink-mute); }
  .step-dots span.active { color: var(--purple-800); font-weight: 800; }
  .step-dots span.done { color: var(--green); }
}
.form-card { padding: 30px 20px; }
@media (min-width: 760px) { .form-card { padding: 46px; } }
.form-step { display: none; }
.form-step.active { display: block; animation: stepIn .5s var(--ease); }
.form-step.active.back { animation-name: stepBack; }
@keyframes stepIn { from { opacity: 0; transform: translateX(24px); } to { opacity: 1; transform: none; } }
@keyframes stepBack { from { opacity: 0; transform: translateX(-24px); } to { opacity: 1; transform: none; } }
.form-step > h2 { font-size: clamp(1.5rem, 3vw, 1.95rem); }
.step-icon { width: 54px; height: 54px; border-radius: 16px; display: grid; place-items: center; font-size: 1.6rem; background: linear-gradient(135deg, var(--lavender), #fff); border: 1px solid var(--line); margin-bottom: 16px; }
.step-intro { color: var(--ink-soft); margin-bottom: 28px; }
fieldset { border: 0; padding: 0; margin: 0 0 24px; min-width: 0; }
legend, .field > label, .label { display: block; font-weight: 700; color: var(--purple-900); margin-bottom: 8px; font-size: .96rem; padding: 0; }
.hint { display: block; font-weight: 500; color: var(--ink-mute); font-size: .84rem; margin-top: 2px; }
.field { margin-bottom: 20px; }
.field-row { display: grid; gap: 16px; }
@media (min-width: 620px) { .field-row { grid-template-columns: 1fr 1fr; } .field-row.three { grid-template-columns: 1fr 1fr 1fr; } }
input[type="text"], input[type="email"], input[type="tel"], input[type="number"], select, textarea { width: 100%; font: inherit; color: var(--ink); padding: 14px 16px; min-height: 52px; border: 1.5px solid #ddd3ea; border-radius: var(--radius-sm); background: rgba(255, 255, 255, .92); transition: border-color .2s, box-shadow .2s, background .2s; }
select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 7.5l5 5 5-5' fill='none' stroke='%23544867' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; background-size: 18px; padding-right: 42px; }
textarea { min-height: 100px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--purple-600); background: #fff; box-shadow: 0 0 0 4px rgba(82, 36, 138, .12); }
.invalid input, .invalid select { border-color: var(--red); }
.error-msg { color: var(--red); font-size: .84rem; margin-top: 6px; display: none; }
.invalid .error-msg { display: block; }
.field-hint { margin-top: 6px; padding: 8px 10px; border-radius: 10px; background: rgba(212, 167, 44, .12); color: #5c4306; font-size: .86rem; }
.link-btn { background: none; border: 0; padding: 0; font: inherit; font-weight: 700; color: var(--purple-900); text-decoration: underline; cursor: pointer; }
.money { position: relative; }
.money::before { content: "$"; position: absolute; left: 16px; top: 50%; transform: translateY(-50%); color: var(--ink-mute); font-weight: 700; pointer-events: none; z-index: 1; }
.money input { padding-left: 30px; }
.pct, .yrs { position: relative; }
.pct::after, .yrs::after { position: absolute; right: 16px; top: 50%; transform: translateY(-50%); color: var(--ink-mute); font-weight: 600; pointer-events: none; }
.pct::after { content: "%"; }
.yrs::after { content: "yrs"; font-size: .85rem; }
.input-group { display: grid; grid-template-columns: 1fr 150px; gap: 8px; }
.choices { display: grid; gap: 10px; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; cursor: pointer; margin: 0; z-index: 1; }
.choice span { display: flex; align-items: center; justify-content: center; text-align: center; gap: 8px; min-height: 54px; padding: 10px 14px; border: 1.5px solid #ddd3ea; border-radius: var(--radius-sm); font-weight: 600; font-size: .94rem; background: rgba(255, 255, 255, .92); transition: all .2s var(--ease); }
.choice:hover span { border-color: var(--purple-400); }
.choice input:checked + span { border-color: var(--purple-800); background: var(--purple-800); color: #fff; box-shadow: 0 8px 20px rgba(37, 11, 64, .22); }
.choice input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }
.habit-grid { display: grid; gap: 10px; }
@media (min-width: 620px) { .habit-grid { grid-template-columns: 1fr 1fr; } }
.check-card { display: flex; gap: 12px; align-items: flex-start; padding: 14px 16px; border: 1.5px solid #ddd3ea; border-radius: var(--radius-sm); background: rgba(255, 255, 255, .92); cursor: pointer; transition: all .2s; font-size: .93rem; font-weight: 500; color: var(--ink); }
.check-card input { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--purple-800); flex: none; }
.check-card:has(input:checked) { border-color: var(--purple-800); background: var(--lavender); }
.subcard { background: rgba(247, 244, 251, .85); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; margin-bottom: 22px; }
.subcard h3 { font-size: 1.02rem; margin-bottom: 4px; }
.subcard > .hint { margin-bottom: 14px; }
.event-row { display: grid; gap: 10px; padding: 14px; border-radius: var(--radius-sm); background: #fff; border: 1px solid var(--line); margin-bottom: 10px; }
@media (min-width: 680px) { .event-row { grid-template-columns: 1.5fr 1fr .8fr; align-items: end; } .event-row.four { grid-template-columns: 1.4fr 1fr .8fr .8fr; } .event-row.five { grid-template-columns: 1.3fr .7fr .9fr .7fr .7fr; } }
.event-row label { font-size: .76rem; font-weight: 700; color: var(--ink-soft); display: block; margin-bottom: 4px; }
.event-row input, .event-row select { min-height: 46px; padding-top: 10px; padding-bottom: 10px; }
.add-row { font: inherit; font-weight: 700; color: var(--purple-600); background: none; border: 1.5px dashed #cfc0e2; border-radius: var(--radius-sm); padding: 12px; width: 100%; cursor: pointer; }
.add-row:hover { background: #fff; border-color: var(--purple-400); }
.running-total { display: flex; justify-content: space-between; align-items: center; background: linear-gradient(135deg, var(--purple-800), var(--purple-700)); color: #fff; padding: 16px 20px; border-radius: var(--radius); font-weight: 700; margin-top: 10px; box-shadow: 0 10px 30px rgba(37, 11, 64, .25); }
.running-total strong { color: var(--gold-light); font-size: 1.25rem; font-family: var(--display); }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: .9rem; color: var(--ink-soft); font-weight: 500; }
.consent input { margin-top: 4px; width: 20px; height: 20px; flex: none; accent-color: var(--purple-800); }
.form-nav { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 32px; padding-top: 24px; border-top: 1px solid var(--line); }
.secure-note { text-align: center; font-size: .82rem; color: var(--ink-mute); margin-top: 18px; }
.generating { text-align: center; padding: 60px 10px; }
.gen-orb { width: 120px; height: 120px; margin: 0 auto 28px; border-radius: 50%; background: conic-gradient(from 0deg, var(--purple-600), var(--gold), var(--purple-800), var(--purple-600)); animation: spin 1.6s linear infinite; position: relative; filter: drop-shadow(0 12px 30px rgba(82, 36, 138, .35)); }
.gen-orb::after { content: ""; position: absolute; inset: 10px; border-radius: 50%; background: #fbf9fd; }
@keyframes spin { to { transform: rotate(360deg); } }
.gen-steps { list-style: none; padding: 0; margin: 22px auto 0; max-width: 380px; text-align: left; color: var(--ink-mute); }
.gen-steps li { padding: 7px 0; transition: color .3s; }
.gen-steps li.done { color: var(--green); font-weight: 600; }
.gen-steps li.done::before { content: "✓ "; font-weight: 800; }

/* =========================================================
   Results
   ========================================================= */
.results { padding: 100px 0 90px; }
.results-hero { position: relative; border-radius: 36px; padding: 40px 24px; margin-bottom: 20px; overflow: hidden; }
@media (min-width: 760px) { .results-hero { padding: 56px; } }
.results-hero > *:not(.orb) { position: relative; }
.results-hero h1 { font-size: clamp(1.9rem, 4.6vw, 3.1rem); }
.results-hero .lead { color: #d9cdea; font-size: 1.08rem; max-width: 46em; }
.kpis { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-top: 30px; }
@media (min-width: 900px) { .kpis { grid-template-columns: repeat(4, 1fr); } }
.kpi { padding: 18px; border-radius: 18px; background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .12); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); }
.kpi span { display: block; font-size: .72rem; color: #b9a8d1; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; }
.kpi strong { display: block; font-family: var(--display); font-size: clamp(1.3rem, 2.6vw, 1.85rem); color: #fff; font-weight: 800; line-height: 1.2; margin-top: 6px; }
.kpi small { display: block; color: #b9a8d1; font-size: .8rem; margin-top: 2px; }
.kpi.good strong { color: #6fe3bf; }
.kpi.gold strong { color: var(--gold-light); }
.results-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 26px; }
.res-nav { position: sticky; top: 76px; z-index: 30; margin: 0 -20px 22px; padding: 10px 20px; display: flex; gap: 8px; overflow-x: auto; scrollbar-width: none; background: rgba(247, 244, 251, .85); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); }
.res-nav::-webkit-scrollbar { display: none; }
.res-nav a { flex: none; font-size: .84rem; font-weight: 700; color: var(--ink-soft); text-decoration: none; padding: 8px 14px; border-radius: 99px; background: #fff; border: 1px solid var(--line); }
.res-nav a:hover, .res-nav a.active { color: #fff; background: var(--purple-800); border-color: var(--purple-800); }
.panel { padding: 30px 20px; margin-bottom: 24px; scroll-margin-top: 140px; }
@media (min-width: 760px) { .panel { padding: 42px; } }
.panel > h2 { font-size: clamp(1.45rem, 3vw, 1.95rem); }
.panel > .sub { color: var(--ink-soft); margin-top: -4px; margin-bottom: 24px; }

.vs-grid { display: grid; gap: 16px; }
@media (min-width: 820px) { .vs-grid { grid-template-columns: 1fr 1fr; } }
.vs-col { border-radius: 22px; padding: 26px; }
.vs-col h3 { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; font-size: 1.1rem; margin-bottom: 4px; }
.vs-col .tag { font-family: var(--font); font-size: .7rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; padding: 4px 10px; border-radius: 99px; }
.vs-bank { background: linear-gradient(180deg, #fff, #fcf6f6); border: 1px solid #f1dcdc; }
.vs-bank .tag { background: var(--red-soft); color: var(--red); }
.vs-crown { background: linear-gradient(160deg, var(--purple-800), var(--purple-700)); color: #e9e1f4; border: 1px solid var(--purple-700); box-shadow: 0 20px 50px rgba(37, 11, 64, .3); }
.vs-crown h3 { color: #fff; }
.vs-crown .tag { background: rgba(212, 167, 44, .2); color: var(--gold-light); }
.vs-list { list-style: none; padding: 0; margin: 18px 0 0; }
.vs-list li { display: flex; justify-content: space-between; gap: 14px; padding: 11px 0; border-bottom: 1px dashed rgba(127, 110, 150, .28); font-size: .93rem; }
.vs-list li:last-child { border-bottom: 0; }
.vs-list li strong { text-align: right; }
.vs-bank .vs-list strong { color: var(--red); }
.vs-crown .vs-list strong { color: #fff; }
.vs-crown .vs-list strong.g { color: #6fe3bf; }
.pain-list, .gain-list { list-style: none; padding: 0; margin: 18px 0 0; display: grid; gap: 10px; font-size: .93rem; }
.pain-list li, .gain-list li { padding-left: 24px; position: relative; }
.pain-list li::before { content: "✕"; position: absolute; left: 0; color: var(--red); font-weight: 800; }
.gain-list li::before { content: "✓"; position: absolute; left: 0; color: #6fe3bf; font-weight: 800; }

.chart-legend { display: flex; flex-wrap: wrap; gap: 18px; font-size: .86rem; color: var(--ink-soft); margin-bottom: 10px; }
.chart-legend i { display: inline-block; width: 22px; height: 4px; border-radius: 2px; vertical-align: middle; margin-right: 6px; }
.chart svg { width: 100%; height: auto; overflow: visible; }
.chart text { font-family: var(--font); font-size: 12px; fill: var(--ink-mute); }
.chart .draw { stroke-dasharray: var(--len); stroke-dashoffset: var(--len); animation: draw 1.8s var(--ease) forwards; }
@keyframes draw { to { stroke-dashoffset: 0; } }
.meter-card { display: grid; gap: 18px; align-items: center; }
@media (min-width: 760px) { .meter-card { grid-template-columns: auto 1fr; } }
.meter-num { font-family: var(--display); font-size: clamp(2.6rem, 6vw, 3.6rem); font-weight: 800; color: var(--red); line-height: 1; }
.meter-num small { font-size: 1rem; color: var(--ink-mute); font-weight: 600; }
.budget-row { display: flex; justify-content: space-between; gap: 12px; padding: 12px 0; border-bottom: 1px dashed var(--line); }
.budget-row.total { border-bottom: 0; font-weight: 800; font-size: 1.1rem; color: var(--purple-900); padding-top: 16px; }
.pos { color: var(--green); } .neg { color: var(--red); }
.bar-stack { display: flex; height: 18px; border-radius: 999px; overflow: hidden; background: var(--line); margin: 18px 0 8px; }
.bar-stack span { display: block; height: 100%; }
.bar-legend { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: .82rem; color: var(--ink-soft); }
.bar-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 5px; vertical-align: -1px; }
.ratio-bars { display: grid; gap: 12px; margin-top: 16px; }
.ratio-bar { display: grid; grid-template-columns: 160px 1fr 56px; gap: 12px; align-items: center; font-size: .88rem; }
.ratio-bar .track { height: 12px; border-radius: 99px; background: var(--line); overflow: hidden; }
.ratio-bar .fill { height: 100%; border-radius: 99px; transition: width 1.2s var(--ease); }
@media (max-width: 520px) { .ratio-bar { grid-template-columns: 110px 1fr 48px; } }
.timeline { position: relative; margin: 10px 0 0; padding-left: 26px; }
.timeline::before { content: ""; position: absolute; left: 7px; top: 6px; bottom: 6px; width: 2px; background: linear-gradient(var(--purple-400), var(--gold)); }
.timeline li { list-style: none; position: relative; padding: 0 0 16px; }
.timeline li::before { content: ""; position: absolute; left: -24px; top: 6px; width: 12px; height: 12px; border-radius: 50%; background: #fff; border: 3px solid var(--purple-600); }
.timeline li.up::before { border-color: var(--green); }
.timeline li.down::before { border-color: var(--red); }
.timeline li.goal::before { border-color: var(--gold); background: var(--gold); }
.timeline strong { color: var(--purple-900); }
.timeline span { color: var(--ink-soft); font-size: .92rem; }

.group-head { display: flex; align-items: center; gap: 12px; margin: 30px 0 4px; }
.group-head.first { margin-top: 6px; }
.group-head .n { width: 32px; height: 32px; border-radius: 10px; background: var(--purple-800); color: var(--gold-light); display: grid; place-items: center; font-weight: 800; font-size: .9rem; flex: none; }
.group-head h3 { margin: 0; font-size: 1.05rem; }
.group-head small { color: var(--ink-mute); font-size: .84rem; display: block; }
.strategy { display: grid; grid-template-columns: auto 1fr; gap: 14px 16px; padding: 18px; border-radius: var(--radius); border: 1px solid var(--line); background: #fff; margin-top: 10px; transition: border-color .2s, box-shadow .2s; }
.strategy.on { border-color: #cdb9e6; box-shadow: 0 6px 20px rgba(82, 36, 138, .08); }
.strategy h4 { margin: 0 0 4px; font-family: var(--font); font-size: 1.02rem; color: var(--purple-900); }
.strategy p { color: var(--ink-soft); font-size: .93rem; margin: 0 0 10px; }
.strategy .impact { display: flex; flex-wrap: wrap; gap: 8px; }
.pill { display: inline-block; background: var(--green-soft); color: #0e7a5f; font-weight: 700; font-size: .78rem; padding: 4px 10px; border-radius: 999px; }
.pill.neutral { background: var(--lavender); color: var(--purple-700); }
.pill.warn { background: var(--gold-soft); color: #7a5500; }
.slider-row { margin-top: 10px; display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }
.slider-row input[type="range"] { flex: 1; min-width: 160px; accent-color: var(--purple-600); }
.slider-val { font-weight: 800; color: var(--purple-900); min-width: 160px; }
.mini-select { width: auto; min-height: 38px; padding: 6px 36px 6px 12px; font-size: .88rem; }
.toggle { position: relative; width: 50px; height: 30px; flex: none; margin-top: 2px; }
.toggle input { position: absolute; inset: 0; opacity: 0; cursor: pointer; z-index: 1; margin: 0; }
.toggle span { position: absolute; inset: 0; background: #d6cbe4; border-radius: 999px; transition: background .25s; }
.toggle span::after { content: ""; position: absolute; left: 3px; top: 3px; width: 24px; height: 24px; background: #fff; border-radius: 50%; box-shadow: 0 2px 5px rgba(0, 0, 0, .2); transition: transform .25s var(--ease); }
.toggle input:checked + span { background: var(--green); }
.toggle input:checked + span::after { transform: translateX(20px); }
.toggle input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }
.extra-ideas { display: grid; gap: 12px; margin-top: 14px; }
@media (min-width: 760px) { .extra-ideas { grid-template-columns: 1fr 1fr; } }
.idea { padding: 18px; border-radius: var(--radius); background: var(--lavender-50); border: 1px solid var(--line); }
.idea strong { display: block; color: var(--purple-900); margin-bottom: 4px; }
.idea span { font-size: .9rem; color: var(--ink-soft); }

.tax-table { width: 100%; border-collapse: collapse; font-size: .92rem; margin-top: 10px; }
.tax-table th, .tax-table td { text-align: left; padding: 11px 12px; border-bottom: 1px solid var(--line); }
.tax-table th { font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-mute); }
.tax-table tr.you { background: var(--gold-soft); }
.tax-table tr.you td:first-child { font-weight: 800; color: var(--purple-900); }
.table-scroll { overflow-x: auto; }
.earn-grid { display: grid; gap: 14px; margin-top: 22px; }
@media (min-width: 760px) { .earn-grid { grid-template-columns: repeat(3, 1fr); } }
.earn-card { padding: 22px; border-radius: var(--radius); background: var(--lavender-50); border: 1px solid var(--line); }
.earn-card strong { display: block; font-family: var(--display); font-size: 1.6rem; color: var(--purple-900); line-height: 1.15; margin-bottom: 6px; }
.earn-card span { font-size: .88rem; color: var(--ink-soft); }
.earn-card.hot strong { color: var(--red); }
.earn-card.good strong { color: var(--green); }

.wealth-controls { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; margin-bottom: 18px; }
.seg { display: inline-flex; padding: 4px; border-radius: 99px; background: var(--lavender); }
.seg button { font: inherit; font-weight: 700; font-size: .86rem; border: 0; background: transparent; color: var(--ink-soft); padding: 8px 16px; border-radius: 99px; cursor: pointer; }
.seg button.on { background: #fff; color: var(--purple-900); box-shadow: var(--shadow-sm); }
.wealth-grid { display: grid; gap: 14px; }
@media (min-width: 760px) { .wealth-grid { grid-template-columns: 1fr 1fr; } }
.w-card { padding: 22px; border-radius: var(--radius); border: 1px solid var(--line); background: #fff; }
.w-card h4 { margin: 0 0 12px; font-family: var(--font); font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: var(--ink-mute); }
.w-row { display: flex; justify-content: space-between; align-items: baseline; gap: 10px; padding: 8px 0; border-bottom: 1px dashed var(--line); }
.w-row:last-child { border-bottom: 0; }
.w-row strong { font-family: var(--display); font-size: 1.25rem; text-align: right; }
.w-row .c { color: var(--purple-700); }
.w-row .b { color: var(--ink-mute); }
.w-row .r { color: var(--red); }

.weeks { display: grid; gap: 14px; }
@media (min-width: 900px) { .weeks { grid-template-columns: repeat(4, 1fr); } }
.week { padding: 20px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); }
.week h4 { margin: 2px 0 0; font-family: var(--font); color: var(--purple-900); }
.week small { color: var(--gold); font-weight: 800; letter-spacing: .1em; text-transform: uppercase; font-size: .7rem; }
.week ul { padding-left: 18px; margin: 12px 0 0; font-size: .9rem; color: var(--ink-soft); display: grid; gap: 8px; }
.habits { display: grid; gap: 12px; }
@media (min-width: 760px) { .habits { grid-template-columns: 1fr 1fr; } }
.habit { display: grid; grid-template-columns: 44px 1fr; gap: 14px; padding: 18px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); }
.habit .hi { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; font-size: 1.3rem; background: var(--lavender); }
.habit strong { display: block; color: var(--purple-900); }
.habit span { font-size: .9rem; color: var(--ink-soft); }
.habit .why { display: inline-block; margin-top: 6px; font-size: .76rem; font-weight: 700; color: var(--purple-600); }
.alert { border-radius: var(--radius); padding: 16px 18px; margin-bottom: 18px; font-size: .95rem; }
.alert-warn { background: var(--gold-soft); color: #6b4a00; border: 1px solid #efdca8; }
.alert-info { background: var(--lavender); color: var(--purple-800); }

.offer { position: relative; border-radius: 32px; padding: 40px 22px; overflow: hidden; margin-bottom: 24px; scroll-margin-top: 140px; }
@media (min-width: 760px) { .offer { padding: 56px; } }
.offer-grid { position: relative; display: grid; gap: 30px; }
@media (min-width: 980px) { .offer-grid { grid-template-columns: 1fr 1fr; align-items: start; } }
.offer ul { list-style: none; padding: 0; margin: 18px 0 0; display: grid; gap: 12px; }
.offer li { padding-left: 30px; position: relative; color: #e2d7f0; }
.offer li::before { content: "★"; position: absolute; left: 0; color: var(--gold); }
.offer li strong { color: #fff; }
.crown-figs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 18px; }
.crown-figs div { padding: 14px; border-radius: 14px; background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .12); }
.crown-figs strong { display: block; font-family: var(--display); color: var(--gold-light); font-size: 1.25rem; line-height: 1.1; }
.crown-figs span { font-size: .74rem; color: #c8b9de; }
.booking-perks { display: flex; flex-wrap: wrap; gap: 8px 20px; margin: 4px 0 22px; font-size: .92rem; }
.booking-perks span::before { content: "✓ "; color: var(--gold); font-weight: 800; }
.oncehub-wrap { position: relative; background: #fff; border-radius: 22px; padding: 6px; min-height: 720px; box-shadow: 0 30px 80px rgba(0, 0, 0, .35); }
.share-row { display: flex; flex-wrap: wrap; gap: 10px; }
.toast { position: fixed; left: 50%; bottom: 28px; transform: translate(-50%, 20px); background: var(--purple-900); color: #fff; padding: 14px 22px; border-radius: 14px; font-weight: 600; box-shadow: var(--shadow); opacity: 0; pointer-events: none; transition: all .35s var(--ease); z-index: 100; max-width: calc(100% - 32px); }
.toast.show { opacity: 1; transform: translate(-50%, 0); }
.fine-print { font-size: .78rem; color: var(--ink-mute); line-height: 1.65; }
.dark .fine-print { color: #9b8bb4; }
.modal { position: fixed; inset: 0; z-index: 90; display: grid; place-items: center; padding: 20px; background: rgba(18, 5, 31, .6); backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px); }
.modal-card { width: 100%; max-width: 480px; padding: 30px; }

@media print {
  .site-header, .site-footer, .res-nav, .results-actions, .toggle, .slider-row, .no-print, .offer, #hero-canvas, .orb { display: none !important; }
  .reveal { opacity: 1 !important; transform: none !important; }
  body, .builder-page { background: #fff !important; }
  .panel, .results-hero { box-shadow: none !important; border: 1px solid #ddd !important; break-inside: avoid; backdrop-filter: none !important; }
  .results-hero { background: #fff !important; color: #000 !important; }
  .results-hero h1, .kpi strong, .kpi span { color: #000 !important; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}

/* Quick calculator, ticker, sticky CTA, launch offer */
.qc-shell { border-radius: 36px; padding: 40px 22px; }
@media (min-width: 760px) { .qc-shell { padding: 52px; } }
.qc-grid { position: relative; display: grid; gap: 30px; align-items: center; }
@media (min-width: 900px) { .qc-grid { grid-template-columns: 1.1fr .9fr; } }
.qc-form label { color: #e6deee; font-weight: 700; font-size: .9rem; display: block; margin-bottom: 6px; }
.qc-form input { background: rgba(255, 255, 255, .08); border-color: rgba(255, 255, 255, .2); color: #fff; }
.qc-form input:focus { background: rgba(255, 255, 255, .14); border-color: var(--gold); box-shadow: 0 0 0 4px rgba(212, 167, 44, .2); }
.qc-form .money::before, .qc-form .pct::after, .qc-form .yrs::after { color: #b9a8d1; }
.qc-out { padding: 30px; min-height: 220px; display: flex; flex-direction: column; justify-content: center; }
.qc-big { font-family: var(--display); font-size: clamp(2.2rem, 5vw, 3.2rem); font-weight: 800; color: var(--gold-light); line-height: 1.05; }
.qc-big span { display: block; font-size: 1rem; color: #d9cdea; font-family: var(--font); font-weight: 600; margin-top: 6px; }
.qc-rows { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 20px; }
.qc-rows div { padding: 14px; border-radius: 14px; background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .1); }
.qc-rows span { display: block; font-size: .76rem; color: #b9a8d1; text-transform: uppercase; letter-spacing: .08em; font-weight: 700; }
.qc-rows strong { font-family: var(--display); font-size: 1.35rem; color: #fff; }
.ticker-line { font-size: .95rem !important; }
.ticker-line strong { color: var(--gold-light); font-family: var(--display); font-variant-numeric: tabular-nums; }
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; display: none; gap: 10px; padding: 10px 14px calc(10px + env(safe-area-inset-bottom)); background: rgba(255, 255, 255, .88); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); box-shadow: 0 -6px 24px rgba(37, 11, 64, .12); }
.sticky-cta .btn { flex: 1; }
@media (max-width: 760px) { .sticky-cta { display: flex; } body { padding-bottom: 72px; } }
.launch-offer { margin-top: 22px; padding: 14px 18px; border-radius: 14px; background: rgba(212, 167, 44, .14); border: 1px solid rgba(212, 167, 44, .4); color: #f6e6b8; font-size: .95rem; }
.launch-offer strong { color: #fff; }
.booking-note { margin: 0 0 14px; padding: 10px 14px; border-radius: 12px; background: rgba(212, 167, 44, .14); border: 1px solid rgba(212, 167, 44, .4); color: #f6e6b8; font-size: .92rem; }
.launch-offer-light { margin: 0 0 18px; background: rgba(212, 167, 44, .12); color: #5c4306; }
.launch-offer-light strong { color: var(--purple, #250B40); }

/* Why we ask */
.why-ask { margin: -12px 0 24px; border-radius: var(--radius-sm); background: var(--gold-soft); border: 1px solid #efdca8; }
.why-ask summary { cursor: pointer; list-style: none; padding: 10px 14px; font-weight: 700; font-size: .88rem; color: #7a5500; display: flex; align-items: center; gap: 8px; }
.why-ask summary::-webkit-details-marker { display: none; }
.why-ask summary::before { content: "i"; width: 18px; height: 18px; border-radius: 50%; background: var(--gold); color: #fff; font-size: .72rem; display: grid; place-items: center; font-style: italic; font-family: Georgia, serif; }
.why-ask p { margin: 0; padding: 0 14px 12px; font-size: .88rem; color: #6b4a00; }

/* Snapshot */
.snap-grid { display: grid; gap: 12px; grid-template-columns: repeat(2, 1fr); }
@media (min-width: 900px) { .snap-grid { grid-template-columns: repeat(4, 1fr); } }
.snap { padding: 18px; border-radius: var(--radius); background: #fff; border: 1px solid var(--line); }
.snap span { display: block; font-size: .72rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-mute); }
.snap strong { display: block; font-family: var(--display); font-size: 1.45rem; color: var(--purple-900); margin-top: 4px; line-height: 1.2; }
.snap small { display: block; font-size: .8rem; color: var(--ink-soft); margin-top: 4px; }
.snap.ok strong { color: var(--green); } .snap.warn strong { color: #b07a00; } .snap.bad strong { color: var(--red); }
.spend-bars { display: grid; gap: 8px; margin-top: 18px; }
.spend-bar { display: grid; grid-template-columns: 190px 1fr 80px; gap: 10px; align-items: center; font-size: .86rem; }
.spend-bar .track { height: 10px; border-radius: 99px; background: var(--line); overflow: hidden; }
.spend-bar .fill { height: 100%; border-radius: 99px; background: linear-gradient(90deg, var(--purple-600), var(--purple-400)); }
.spend-bar strong { text-align: right; color: var(--purple-900); }
@media (max-width: 560px) { .spend-bar { grid-template-columns: 120px 1fr 64px; } }
[data-required] > label:first-child::after, fieldset[data-required] > legend::after { content: " *"; color: var(--red); font-weight: 800; }
[data-validate="checkbox"] > label::after { content: none; }

/* Share icons */
.share-icons { display: flex; flex-wrap: wrap; gap: 14px 10px; }
.share-btn { display: flex; flex-direction: column; align-items: center; gap: 6px; width: 64px; background: none; border: 0; padding: 0; cursor: pointer; text-decoration: none; font: inherit; }
.share-btn small { font-size: .72rem; font-weight: 600; color: var(--ink-soft); white-space: nowrap; }
.share-icons.on-dark .share-btn small { color: #d9cdea; }
.si { width: 48px; height: 48px; border-radius: 50%; display: grid; place-items: center; color: #fff; transition: transform .2s var(--ease), box-shadow .2s var(--ease); box-shadow: 0 6px 16px rgba(37, 11, 64, .15); }
.si svg { width: 22px; height: 22px; fill: currentColor; }
.share-btn:hover .si, .share-btn:focus-visible .si { transform: translateY(-3px) scale(1.06); box-shadow: 0 10px 24px rgba(37, 11, 64, .25); }
.share-btn:focus-visible { outline: none; }
.share-btn:focus-visible .si { outline: 3px solid var(--gold); outline-offset: 2px; }
.si-facebook { background: #1877f2; }
.si-x { background: #000; }
.si-linkedin { background: #0a66c2; }
.si-whatsapp { background: #25d366; }
.si-sms { background: #34c759; }
.si-email { background: var(--purple-700); }
.si-copy { background: var(--purple-400); }
.si-more { background: var(--gold); color: var(--purple-950); }
.share-block + .share-block { margin-top: 26px; padding-top: 22px; border-top: 1px solid var(--line); }
.share-block h3 { font-size: 1.02rem; margin-bottom: 2px; }
.share-block p { font-size: .88rem; color: var(--ink-soft); margin-bottom: 14px; }

/* Founder */
.gift-note-wrap { margin-top: 56px; }
.gift-note { display: grid; gap: 18px; max-width: 860px; margin: 0 auto; padding: 28px 24px; overflow: hidden; border-radius: 26px; background: #fff; border: 1px solid rgba(37, 11, 64, .08); box-shadow: var(--shadow); position: relative; }
.gift-note::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 5px; border-radius: 26px 26px 0 0; background: linear-gradient(90deg, var(--gold), var(--gold-light)); }
.gift-note-photo { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; object-position: 50% 8%; border: 3px solid var(--gold); }
.gift-note h2 { font-size: clamp(1.4rem, 3vw, 1.9rem); margin: 6px 0 12px; }
.gift-note p { color: var(--ink-soft); font-size: 1.02rem; }
@media (min-width: 720px) { .gift-note { grid-template-columns: 96px 1fr; gap: 32px; padding: 40px 44px; } .gift-note-photo { width: 96px; height: 96px; } }
.founder { display: grid; gap: 40px; align-items: center; max-width: 1000px; margin: 0 auto; }
@media (min-width: 860px) { .founder { grid-template-columns: 340px 1fr; } }
.founder-photo { position: relative; border-radius: 28px; overflow: hidden; box-shadow: var(--shadow); aspect-ratio: 4 / 5; background: var(--lavender); max-width: 340px; }
.founder-photo img { width: 100%; height: 100%; object-fit: cover; }
.founder-photo::after { content: ""; position: absolute; inset: auto 0 0 0; height: 6px; background: linear-gradient(90deg, var(--gold), var(--gold-light)); }
.founder h2 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); }
.founder p { color: var(--ink-soft); font-size: 1.04rem; }
.founder-sign { margin-top: 18px; padding-left: 16px; border-left: 3px solid var(--gold); }
.founder-sign strong { display: block; font-family: var(--display); color: var(--purple-900); font-size: 1.1rem; }
.founder-sign span { font-size: .88rem; color: var(--ink-mute); }
.cta-share { margin: 44px auto 0; padding-top: 30px; border-top: 1px solid rgba(255, 255, 255, .12); max-width: 680px; }
.cta-share p { font-size: .9rem !important; color: #c8b9de; margin-bottom: 16px; }
.cta-share .share-icons { justify-content: center; }
@media (max-width: 560px) { .share-icons { gap: 14px 6px; } .share-btn { width: 56px; } .si { width: 44px; height: 44px; } }
.sticky-cta .btn { white-space: nowrap; font-size: .9rem; padding-left: 14px; padding-right: 14px; }
.resume-bar { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 10px 16px; padding: 12px 16px; margin-bottom: 18px; border-radius: var(--radius); background: var(--gold-soft); border: 1px solid #efdca8; color: #6b4a00; font-size: .92rem; font-weight: 600; }
.resume-actions { display: flex; gap: 6px; }
.resume-bar .btn-sm { min-height: 38px; padding: 8px 16px; }

/* Guide / article pages */
.guide { padding: 110px 0 80px; background: #fff; }
.prose { max-width: 800px; }
.prose h1 { font-size: clamp(2rem, 4.6vw, 3rem); margin-top: 8px; }
.prose h2 { font-size: clamp(1.45rem, 3vw, 1.9rem); margin-top: 48px; scroll-margin-top: 100px; }
.prose h3 { font-size: 1.18rem; margin-top: 30px; }
.prose p, .prose li { font-size: 1.06rem; color: #2d2340; line-height: 1.75; }
.prose ul { padding-left: 22px; display: grid; gap: 8px; }
.prose a { color: var(--purple-600); font-weight: 600; }
.crumbs { font-size: .85rem; color: var(--ink-mute); }
.crumbs a { color: var(--ink-soft); font-weight: 500; text-decoration: none; }
.byline { font-size: .9rem; color: var(--ink-mute); margin-bottom: 24px; }
.answer-box { background: var(--lavender-50); border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: var(--radius-sm); padding: 20px 22px; margin: 0 0 28px; font-size: 1.06rem; line-height: 1.7; color: var(--ink); }
.guide-table { width: 100%; border-collapse: collapse; margin: 14px 0 18px; font-size: .98rem; }
.guide-table caption { text-align: left; font-weight: 700; color: var(--purple-900); padding-bottom: 8px; }
.guide-table th, .guide-table td { padding: 11px 12px; border-bottom: 1px solid var(--line); text-align: left; }
.guide-table th { font-size: .74rem; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-mute); }
.guide-table tbody tr:first-child { color: var(--red); }
.guide-cta { position: relative; border-radius: 28px; padding: 40px 30px; margin: 50px 0 10px; text-align: center; overflow: hidden; }
.guide-cta > *:not(.orb) { position: relative; }
.guide-cta h2 { margin-top: 0; }
.guide-cta p { color: #d9cdea; }
.guide .faq { margin-top: 18px; }
.notfound { min-height: 80vh; display: grid; place-items: center; text-align: center; padding: 120px 20px 60px; }

/* Whole debt picture */
.attack { margin: 10px 0 0; padding-left: 0; list-style: none; counter-reset: atk; display: grid; gap: 10px; }
.attack li { counter-increment: atk; position: relative; padding: 14px 16px 14px 56px; border-radius: var(--radius); background: var(--lavender-50); border: 1px solid var(--line); color: var(--ink-soft); }
.attack li::before { content: counter(atk); position: absolute; left: 14px; top: 13px; width: 28px; height: 28px; border-radius: 50%; background: var(--purple-800); color: var(--gold-light); display: grid; place-items: center; font-weight: 800; font-size: .85rem; }
.attack li strong { color: var(--purple-900); }
.attack li:last-child { background: var(--green-soft); border-color: #bfe8d8; }
.ib, .gt { margin-bottom: 14px; }
.ib-l { display: block; font-size: .86rem; font-weight: 700; color: var(--purple-900); margin-bottom: 4px; }
.ib-row { display: flex; align-items: center; gap: 8px; margin-bottom: 3px; }
.ib-bar { height: 12px; border-radius: 99px; min-width: 3px; transition: width 1s var(--ease); }
.ib-bar.bank { background: #d14343; opacity: .85; }
.ib-bar.crown { background: linear-gradient(90deg, var(--purple-600), var(--purple-400)); }
.ib-row em { font-style: normal; font-size: .78rem; color: var(--ink-soft); white-space: nowrap; }
.hero h1 { font-size: clamp(2.2rem, 4.6vw, 3.5rem); }