@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@400;500;600;700;800&display=swap');

:root {
  --ink: #07152f;
  --ink-2: #0b234a;
  --emerald: #155eef;
  --emerald-bright: #2e90fa;
  --sage: #b9d6ff;
  --gold: #69a9ff;
  --gold-light: #d6e9ff;
  --cream: #f2f6fc;
  --paper: #fcfdff;
  --muted: #5d6b82;
  --line: rgba(9, 20, 17, .12);
  --shadow: 0 30px 80px rgba(9, 20, 17, .14);
  --serif: 'Poppins', system-ui, sans-serif;
  --sans: 'Poppins', system-ui, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: var(--sans); line-height: 1.65; -webkit-font-smoothing: antialiased; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
::selection { background: var(--gold); color: var(--ink); }

.skip-link { position: fixed; left: 1rem; top: -4rem; z-index: 1000; background: white; padding: .75rem 1rem; border-radius: .5rem; }
.skip-link:focus { top: 1rem; }
.container { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }
.section { padding: 110px 0; }
.section-sm { padding: 72px 0; }
.eyebrow { display: inline-flex; align-items: center; gap: .65rem; margin-bottom: 1rem; color: var(--emerald); text-transform: uppercase; letter-spacing: .18em; font-size: .76rem; font-weight: 700; }
.eyebrow::before { content: ''; width: 28px; height: 1px; background: currentColor; }
.eyebrow.light { color: var(--gold-light); }
.display { margin: 0; font-family: var(--serif); font-weight: 600; font-size: clamp(2.5rem, 5vw, 5rem); line-height: 1.03; letter-spacing: -.04em; }
.section-title { margin: 0; font-family: var(--serif); font-size: clamp(2.15rem, 4vw, 3.8rem); font-weight: 600; line-height: 1.1; letter-spacing: -.035em; }
.lead { max-width: 660px; color: var(--muted); font-size: 1.08rem; }
.gold-text { color: var(--gold-light); }

.nav { position: absolute; inset: 0 0 auto; z-index: 50; color: white; border-bottom: 1px solid rgba(255,255,255,.12); }
.nav.scrolled { position: fixed; background: rgba(9,20,17,.94); backdrop-filter: blur(18px); box-shadow: 0 10px 30px rgba(0,0,0,.12); }
.nav-inner { height: 86px; display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.brand { display: flex; align-items: center; gap: .85rem; font-weight: 700; letter-spacing: -.02em; }
.brand-mark { display: grid; place-items: center; width: 42px; height: 48px; flex: 0 0 auto; }
.brand-mark img { width: 100%; height: 100%; object-fit: contain; filter: drop-shadow(0 8px 16px rgba(21,94,239,.2)); }
.brand-name { font-size: 1.08rem; }
.nav-links { display: flex; align-items: center; gap: 2rem; font-size: .94rem; }
.nav-links > a:not(.button) { color: rgba(255,255,255,.72); transition: color .2s; }
.nav-links > a:hover, .nav-links > a.active { color: white; }
.nav-actions { display: flex; align-items: center; gap: .8rem; }
.menu-btn { display: none; width: 44px; height: 44px; border: 1px solid rgba(255,255,255,.25); color: white; background: transparent; border-radius: 50%; font-size: 1.3rem; }

.button { display: inline-flex; align-items: center; justify-content: center; min-height: 50px; padding: .8rem 1.35rem; border: 1px solid transparent; border-radius: 999px; font-weight: 700; transition: transform .25s, box-shadow .25s, background .25s; }
.button:hover { transform: translateY(-2px); }
.button.gold { color: var(--ink); background: linear-gradient(145deg, var(--gold-light), var(--gold)); box-shadow: 0 12px 28px rgba(21,94,239,.22); }
.button.dark { color: white; background: var(--ink); box-shadow: 0 12px 28px rgba(9,20,17,.18); }
.button.ghost { color: white; border-color: rgba(255,255,255,.36); background: rgba(255,255,255,.05); backdrop-filter: blur(8px); }
.button.outline { color: var(--ink); border-color: var(--line); background: transparent; }
.arrow { margin-left: .65rem; transition: transform .2s; }
.button:hover .arrow { transform: translateX(4px); }

.hero { min-height: 800px; height: min(94vh, 980px); position: relative; display: flex; align-items: center; color: white; overflow: hidden; background: var(--ink); }
.hero::before { content: ''; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(4,11,9,.98) 0%, rgba(4,11,9,.86) 38%, rgba(4,11,9,.3) 68%, rgba(4,11,9,.08) 100%), url('assets/intent-hero.webp') center/cover; }
.hero::after { content: ''; position: absolute; inset: auto 0 0; height: 180px; background: linear-gradient(transparent, rgba(4,11,9,.62)); }
.hero-grid { position: relative; z-index: 2; padding-top: 80px; display: grid; grid-template-columns: 1.05fr .95fr; align-items: center; }
.hero-copy { max-width: 720px; }
.hero-copy .display { max-width: 760px; }
.hero-copy p { max-width: 600px; margin: 1.6rem 0 2rem; color: rgba(255,255,255,.72); font-size: 1.1rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .9rem; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 1.35rem; margin-top: 2.2rem; color: rgba(255,255,255,.7); font-size: .84rem; }
.hero-trust span { display: inline-flex; gap: .5rem; align-items: center; }
.hero-trust span::before { content: '✓'; display: grid; place-items: center; width: 20px; height: 20px; border: 1px solid rgba(214,233,255,.5); border-radius: 50%; color: var(--gold-light); font-size: .7rem; }
.hero-object { justify-self: end; align-self: end; margin-bottom: 90px; perspective: 1000px; }
.credit-orbit { position: relative; width: 250px; height: 250px; transform: rotateX(58deg) rotateZ(-18deg); transform-style: preserve-3d; animation: float 6s ease-in-out infinite; }
.credit-orbit::before, .credit-orbit::after { content: ''; position: absolute; border-radius: 50%; border: 1px solid rgba(214,233,255,.45); box-shadow: 0 0 60px rgba(21,94,239,.18); }
.credit-orbit::before { inset: 0; }
.credit-orbit::after { inset: 38px; }
.coin { position: absolute; display: grid; place-items: center; width: 92px; height: 92px; left: 79px; top: 79px; border-radius: 50%; color: var(--ink); background: radial-gradient(circle at 35% 30%, #eef7ff, var(--gold) 55%, #155eef); border: 7px solid rgba(255,255,255,.2); font-family: var(--serif); font-size: 1.6rem; font-weight: 700; box-shadow: 0 25px 60px rgba(0,0,0,.45); transform: translateZ(70px) rotateZ(18deg); }
.spark { position: absolute; width: 10px; height: 10px; border-radius: 50%; background: var(--gold-light); box-shadow: 0 0 22px var(--gold); }
.spark.one { top: 9px; left: 75%; }.spark.two { bottom: 15px; left: 12%; }.spark.three { top: 52%; right: -4px; }
@keyframes float { 0%,100% { transform: rotateX(58deg) rotateZ(-18deg) translateY(0); } 50% { transform: rotateX(58deg) rotateZ(-13deg) translateY(-16px); } }

.trust-strip { background: var(--ink); color: white; border-top: 1px solid rgba(255,255,255,.08); }
.trust-grid { display: grid; grid-template-columns: repeat(4,1fr); }
.trust-item { padding: 2rem 1.6rem; border-right: 1px solid rgba(255,255,255,.1); }
.trust-item:last-child { border: 0; }
.trust-number { display: block; font-family: var(--serif); color: var(--gold-light); font-size: 1.9rem; line-height: 1; }
.trust-label { color: rgba(255,255,255,.58); font-size: .8rem; text-transform: uppercase; letter-spacing: .12em; }

.intro-grid, .image-copy-grid, .contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(3rem, 7vw, 7rem); align-items: center; }
.feature-list { display: grid; gap: 1.1rem; margin-top: 2rem; }
.feature-row { display: grid; grid-template-columns: 48px 1fr; gap: 1rem; align-items: start; }
.feature-icon { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 15px; color: var(--emerald); background: #e8f1ff; font-weight: 800; }
.feature-row h3 { margin: 0 0 .2rem; font-size: 1rem; }
.feature-row p { margin: 0; color: var(--muted); font-size: .93rem; }

.image-frame { position: relative; border-radius: 32px 32px 140px 32px; overflow: hidden; box-shadow: var(--shadow); }
.image-frame img { width: 100%; height: 600px; object-fit: cover; }
.image-frame::after { content: ''; position: absolute; inset: 0; border: 1px solid rgba(255,255,255,.4); border-radius: inherit; pointer-events: none; }
.floating-note { position: absolute; right: -28px; bottom: 50px; width: 190px; padding: 1.25rem; color: white; background: rgba(21,94,239,.95); backdrop-filter: blur(14px); border: 1px solid rgba(255,255,255,.18); border-radius: 20px; box-shadow: var(--shadow); }
.floating-note strong { display: block; color: var(--gold-light); font-family: var(--serif); font-size: 2rem; }
.media-wrap { position: relative; padding-right: 24px; }

.products { background: var(--cream); overflow: hidden; }
.section-head { display: flex; justify-content: space-between; align-items: end; gap: 2rem; margin-bottom: 3rem; }
.section-head .lead { margin: 0; max-width: 460px; }
.card-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1.2rem; perspective: 1200px; }
.loan-card { position: relative; min-height: 390px; padding: 2rem; display: flex; flex-direction: column; background: var(--paper); border: 1px solid var(--line); border-radius: 24px; overflow: hidden; transition: transform .35s, box-shadow .35s, border-color .35s; }
.loan-card:hover { transform: translateY(-9px) rotateX(1deg); box-shadow: var(--shadow); border-color: rgba(21,94,239,.45); }
.loan-card.featured { color: white; background: var(--ink); }
.loan-card::before { content: ''; position: absolute; width: 150px; height: 150px; right: -65px; top: -65px; border: 1px solid rgba(21,94,239,.32); border-radius: 50%; box-shadow: 0 0 0 28px rgba(21,94,239,.05), 0 0 0 56px rgba(21,94,239,.025); }
.product-no { color: var(--emerald); font-weight: 700; font-size: .78rem; letter-spacing: .14em; }
.featured .product-no { color: var(--gold-light); }
.loan-card h3 { margin: 1.6rem 0 .75rem; font-family: var(--serif); font-size: 1.75rem; }
.loan-card p { color: var(--muted); }
.featured p { color: rgba(255,255,255,.62); }
.loan-meta { display: flex; gap: 1.4rem; margin: auto 0 1.5rem; padding-top: 1.5rem; border-top: 1px solid var(--line); }
.featured .loan-meta { border-color: rgba(255,255,255,.12); }
.loan-meta span { color: var(--muted); font-size: .74rem; text-transform: uppercase; letter-spacing: .08em; }
.featured .loan-meta span { color: rgba(255,255,255,.5); }
.loan-meta strong { display: block; color: var(--ink); font-size: 1rem; text-transform: none; letter-spacing: 0; }
.featured .loan-meta strong { color: white; }
.text-link { color: var(--emerald); font-weight: 700; }
.featured .text-link { color: var(--gold-light); }

.readiness-section { background: var(--paper); }
.readiness-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 1.25rem; align-items: stretch; }
.readiness-form { padding: 2rem; border: 1px solid var(--line); border-radius: 28px; background: white; box-shadow: 0 20px 60px rgba(7,21,47,.08); }
.privacy-pill { display: inline-flex; align-items: center; margin-bottom: 1.5rem; padding: .55rem .8rem; color: var(--emerald); background: #e8f1ff; border-radius: 999px; font-size: .76rem; font-weight: 700; }
.privacy-pill::before { content: '✓'; margin-right: .45rem; }
.readiness-result { position: relative; padding: 2.2rem; color: white; background: linear-gradient(145deg, var(--ink), #0b2b5c); border-radius: 28px; overflow: hidden; box-shadow: 0 30px 70px rgba(7,21,47,.2); }
.readiness-result::before { content: ''; position: absolute; width: 260px; height: 260px; right: -120px; top: -130px; border: 1px solid rgba(105,169,255,.35); border-radius: 50%; box-shadow: 0 0 0 42px rgba(105,169,255,.06), 0 0 0 84px rgba(105,169,255,.03); }
.result-kicker { position: relative; color: var(--gold-light); text-transform: uppercase; letter-spacing: .14em; font-size: .72rem; font-weight: 700; }
.readiness-result h3 { position: relative; margin: 1rem 0 .65rem; font-size: clamp(1.8rem,3vw,2.65rem); line-height: 1.15; }
.readiness-result > p { position: relative; color: rgba(255,255,255,.65); }
.result-metrics { position: relative; display: grid; gap: .75rem; margin: 1.8rem 0; }
.result-metrics > div { display: flex; justify-content: space-between; gap: 1rem; padding: .85rem 0; border-bottom: 1px solid rgba(255,255,255,.12); }
.result-metrics span { color: rgba(255,255,255,.58); font-size: .82rem; }
.result-metrics strong { color: white; }
.readiness-advice { position: relative; margin-bottom: 1.3rem; padding: 1rem; color: var(--gold-light); background: rgba(105,169,255,.1); border: 1px solid rgba(105,169,255,.25); border-radius: 14px; font-size: .84rem; }
.readiness-apply { position: relative; display: none; }
.readiness-result.ready .readiness-apply, .readiness-result.discuss .readiness-apply { display: inline-flex; }
.readiness-result.ready { background: linear-gradient(145deg,#07152f,#123e79); }
.readiness-result.caution { background: linear-gradient(145deg,#07152f,#243354); }

.calculator-section { position: relative; color: white; background: var(--ink); overflow: hidden; }
.calculator-section::before { content: ''; position: absolute; width: 640px; height: 640px; right: -220px; top: -280px; border-radius: 50%; background: radial-gradient(circle, rgba(46,144,250,.35), transparent 67%); }
.calculator-grid { position: relative; display: grid; grid-template-columns: .8fr 1.2fr; gap: 5rem; align-items: center; }
.calculator-panel { padding: 2rem; color: var(--ink); background: rgba(255,253,248,.97); border: 1px solid rgba(255,255,255,.4); border-radius: 28px; box-shadow: 0 40px 90px rgba(0,0,0,.3); }
.range-group { margin-bottom: 1.6rem; }
.range-head { display: flex; justify-content: space-between; margin-bottom: .65rem; }
.range-value { color: var(--emerald); font-weight: 800; }
input[type='range'] { width: 100%; accent-color: var(--emerald); }
.calc-results { display: grid; grid-template-columns: repeat(3,1fr); gap: .75rem; margin-top: 1.4rem; }
.calc-box { padding: 1rem; background: var(--cream); border-radius: 14px; }
.calc-box span { display: block; color: var(--muted); font-size: .72rem; }
.calc-box strong { font-family: var(--serif); font-size: 1.3rem; }
.fine-print { color: var(--muted); font-size: .75rem; }

.steps { display: grid; grid-template-columns: repeat(3,1fr); margin-top: 3rem; border-top: 1px solid var(--line); }
.step { padding: 2rem 2.5rem 0 0; }
.step-num { display: grid; place-items: center; width: 38px; height: 38px; margin-bottom: 1.2rem; color: var(--emerald); border: 1px solid var(--emerald); border-radius: 50%; font-size: .8rem; font-weight: 700; }
.step h3 { margin: 0 0 .5rem; font-family: var(--serif); font-size: 1.45rem; }
.step p { color: var(--muted); }

.story-section { background: var(--cream); }
.story-image { border-radius: 160px 28px 28px 28px; overflow: hidden; box-shadow: var(--shadow); }
.story-image img { width: 100%; height: 560px; object-fit: cover; }
.quote { margin: 2rem 0; padding-left: 1.5rem; border-left: 2px solid var(--gold); font-family: var(--serif); font-size: 1.45rem; line-height: 1.45; }

.cta { position: relative; padding: 92px 0; color: white; background: linear-gradient(120deg, var(--emerald), #0b3b8f); overflow: hidden; }
.cta::before { content: ''; position: absolute; inset: -120px auto auto 55%; width: 500px; height: 500px; border: 1px solid rgba(255,255,255,.13); border-radius: 50%; box-shadow: 0 0 0 60px rgba(255,255,255,.035), 0 0 0 120px rgba(255,255,255,.02); }
.cta-inner { position: relative; display: flex; justify-content: space-between; align-items: center; gap: 2rem; }
.cta h2 { max-width: 720px; margin: 0; font-family: var(--serif); font-size: clamp(2.3rem,4.5vw,4.4rem); line-height: 1.08; }

.footer { padding: 72px 0 28px; color: rgba(255,255,255,.65); background: #040d20; }
.footer-grid { display: grid; grid-template-columns: 1.5fr .7fr .7fr 1fr; gap: 3rem; }
.footer .brand { color: white; margin-bottom: 1.2rem; }
.footer p { max-width: 370px; }
.footer h3 { margin: 0 0 1rem; color: white; font-size: .86rem; text-transform: uppercase; letter-spacing: .14em; }
.footer-links { display: grid; gap: .65rem; font-size: .9rem; }
.footer-links a:hover { color: var(--gold-light); }
.footer-bottom { display: flex; justify-content: space-between; gap: 2rem; margin-top: 4rem; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,.1); font-size: .8rem; }

.page-hero { min-height: 570px; position: relative; display: flex; align-items: end; padding: 170px 0 90px; color: white; background: var(--ink); overflow: hidden; }
.page-hero::before { content: ''; position: absolute; inset: 0; background: radial-gradient(circle at 75% 30%, rgba(46,144,250,.35), transparent 32%), linear-gradient(130deg,#050e21,#0b2b5c); }
.page-hero::after { content: ''; position: absolute; width: 420px; height: 420px; right: 8%; bottom: -240px; border: 1px solid rgba(105,169,255,.3); border-radius: 50%; box-shadow: 0 0 0 70px rgba(105,169,255,.04), 0 0 0 140px rgba(105,169,255,.02); }
.page-hero .container { position: relative; z-index: 2; }
.page-hero p { max-width: 650px; color: rgba(255,255,255,.66); font-size: 1.1rem; }
.breadcrumbs { margin-bottom: 1.7rem; color: rgba(255,255,255,.5); font-size: .82rem; letter-spacing: .08em; text-transform: uppercase; }
.breadcrumbs a { color: var(--gold-light); }

.service-list { display: grid; grid-template-columns: repeat(2,1fr); gap: 1rem; }
.service-detail { padding: 2rem; border: 1px solid var(--line); border-radius: 22px; background: white; transition: transform .25s, box-shadow .25s; }
.service-detail:hover { transform: translateY(-5px); box-shadow: var(--shadow); }
.service-top { display: flex; align-items: start; justify-content: space-between; gap: 1rem; }
.service-detail h3 { margin: 0; font-family: var(--serif); font-size: 1.6rem; }
.service-tag { padding: .4rem .7rem; color: var(--emerald); background: #e8f1ff; border-radius: 999px; font-size: .72rem; font-weight: 700; }
.service-detail ul { padding: 0; list-style: none; color: var(--muted); }
.service-detail li { margin: .45rem 0; }
.service-detail li::before { content: '—'; margin-right: .55rem; color: var(--gold); }
.rate-table { width: 100%; border-collapse: collapse; margin-top: 2rem; }
.rate-table th, .rate-table td { padding: 1.1rem; text-align: left; border-bottom: 1px solid var(--line); }
.rate-table th { color: var(--muted); font-size: .76rem; text-transform: uppercase; letter-spacing: .1em; }

.values-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1rem; }
.value-card { min-height: 250px; padding: 2rem; border: 1px solid var(--line); border-radius: 22px; background: white; }
.value-card .value-no { color: var(--gold); font-family: var(--serif); font-size: 2rem; }
.value-card h3 { font-family: var(--serif); font-size: 1.55rem; }

.contact-card { padding: 2.2rem; border: 1px solid var(--line); border-radius: 26px; background: white; box-shadow: var(--shadow); }
.contact-method { display: grid; grid-template-columns: 44px 1fr; align-items: center; gap: 1rem; padding: 1.1rem 0; border-bottom: 1px solid var(--line); }
.contact-method:last-child { border-bottom: 0; }
.contact-method .feature-icon { width: 44px; height: 44px; }
.contact-method small { display: block; color: var(--muted); }
.contact-method strong { font-size: 1rem; }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.field { display: grid; gap: .45rem; margin-bottom: 1rem; }
.field label { font-size: .82rem; font-weight: 700; }
.field input, .field select, .field textarea { width: 100%; padding: .9rem 1rem; color: var(--ink); background: var(--paper); border: 1px solid var(--line); border-radius: 12px; outline: none; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--emerald); box-shadow: 0 0 0 3px rgba(21,94,239,.1); }
.field textarea { min-height: 130px; resize: vertical; }
.form-note { display: none; margin: 1rem 0 0; padding: .85rem 1rem; color: var(--emerald); background: #e8f1ff; border-radius: 10px; font-size: .86rem; }
.map-card { min-height: 340px; display: grid; place-items: center; color: white; background: radial-gradient(circle at 30% 20%, #2e90fa, transparent 30%), linear-gradient(140deg,#050e21,#0b3b8f); border-radius: 30px; overflow: hidden; }
.map-pin { display: grid; place-items: center; width: 110px; height: 110px; color: var(--ink); background: var(--gold-light); border-radius: 50% 50% 50% 0; transform: rotate(-45deg); box-shadow: 0 20px 50px rgba(0,0,0,.3); }
.map-pin span { transform: rotate(45deg); font-weight: 800; }

.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { padding: 1.4rem 2.5rem 1.4rem 0; position: relative; cursor: pointer; list-style: none; font-weight: 700; }
.faq summary::after { content: '+'; position: absolute; right: .25rem; color: var(--emerald); font-size: 1.4rem; }
.faq details[open] summary::after { content: '−'; }
.faq details p { max-width: 760px; margin: 0 0 1.4rem; color: var(--muted); }

.reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s, transform .7s; }
.reveal.visible { opacity: 1; transform: translateY(0); }

@media (max-width: 980px) {
  .nav-links { display: none; position: absolute; top: 86px; left: 20px; right: 20px; padding: 1.25rem; flex-direction: column; align-items: stretch; gap: .4rem; color: white; background: rgba(6,16,13,.98); border: 1px solid rgba(255,255,255,.12); border-radius: 18px; }
  .nav-links.open { display: flex; }
  .nav-links > a { padding: .7rem; }
  .nav-actions .login { display: none; }
  .menu-btn { display: grid; place-items: center; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-object { display: none; }
  .intro-grid, .image-copy-grid, .contact-grid, .calculator-grid, .readiness-grid { grid-template-columns: 1fr; gap: 3rem; }
  .card-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1.5fr 1fr 1fr; }
  .footer-grid > :last-child { grid-column: 1 / -1; }
  .floating-note { right: 0; }
}

@media (max-width: 700px) {
  .container { width: min(100% - 28px, 1180px); }
  .section { padding: 78px 0; }
  .nav-inner { height: 74px; }
  .nav-links { top: 74px; }
  .nav-actions .button { display: none; }
  .hero { min-height: 760px; height: auto; padding: 130px 0 90px; }
  .hero::before { background: linear-gradient(rgba(4,11,9,.7), rgba(4,11,9,.95)), url('assets/intent-hero.webp') 64% center/cover; }
  .display { font-size: clamp(2.8rem, 13vw, 4.4rem); }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .trust-item:nth-child(2) { border-right: 0; }
  .trust-item:nth-child(-n+2) { border-bottom: 1px solid rgba(255,255,255,.1); }
  .section-head, .cta-inner, .footer-bottom { align-items: start; flex-direction: column; }
  .card-grid, .service-list, .values-grid, .steps { grid-template-columns: 1fr; }
  .steps { border: 0; }
  .step { padding-top: 0; }
  .calc-results { grid-template-columns: 1fr; }
  .image-frame img, .story-image img { height: 430px; }
  .floating-note { position: relative; width: calc(100% - 32px); margin: -55px auto 0; right: auto; bottom: auto; }
  .media-wrap { padding: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid > :first-child, .footer-grid > :last-child { grid-column: 1 / -1; }
  .page-hero { min-height: 510px; padding-top: 140px; }
  .field-grid { grid-template-columns: 1fr; gap: 0; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; scroll-behavior: auto !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
}