/* =====================================================================
   Fundslelo — DESKTOP presentation (≥ 1024px, laptops/desktops/tablets landscape)
   Rich, layered, wide. Uses tokens.css.
   ===================================================================== */
.wrap { width: min(1240px, 100% - 64px); margin-inline: auto; }
.header-in.wrap, .topbar-in.wrap { width: min(1680px, 100% - 48px); }
.wrap.narrow { width: min(820px, 100% - 64px); }
.center { text-align: center; }
.btn-sm { min-height: 42px; padding: 0 18px; font-size: var(--fs-sm); }
.btn-lg { min-height: 54px; padding: 0 28px; font-size: var(--fs-md); }
.btn-block { width: 100%; }
.btn-quiet { background: var(--surface-2); color: var(--royal); box-shadow: inset 0 0 0 1.5px var(--line); }

/* ---------- top bar & header ---------- */
.topbar { background: var(--navy); color: #C9D6FF; font-size: var(--fs-xs); }
.topbar-in { display: flex; justify-content: space-between; align-items: center; min-height: 34px; }
.topbar-msg { display: flex; align-items: center; gap: 8px; }
.topbar-msg .ico { color: var(--sky); }
.topbar-links { display: flex; gap: 22px; }
.topbar-links a:hover { color: #fff; }

.site-header { position: sticky; top: 0; z-index: var(--z-header); background: rgba(255,255,255,.92); backdrop-filter: saturate(1.4) blur(12px); border-bottom: 1px solid var(--line); transition: box-shadow var(--t-base); }
.site-header.is-scrolled { box-shadow: var(--sh-2); }
.header-in { display: flex; align-items: center; gap: 20px; min-height: 76px; }

.logo { display: flex; align-items: center; gap: 10px; flex: none; }
.logo-mark { width: 40px; height: 40px; transition: transform var(--t-slow) var(--ease-spring); }
.logo:hover .logo-mark { transform: rotate(90deg); }
.logo-text { display: flex; flex-direction: column; line-height: 1.05; }
.logo-word { font-size: 1.55rem; font-weight: var(--fw-black); color: var(--navy); letter-spacing: -.03em; }
.logo-tag { font-size: .68rem; color: var(--ink-muted); font-weight: var(--fw-medium); }

.mainnav { flex: 1; min-width: 0; }
.mainnav-list { display: flex; align-items: center; gap: 0; }
.mainnav-link { display: inline-flex; align-items: center; gap: 3px; padding: 10px 9px; border: 0; background: none; border-radius: 10px; font-size: .86rem; font-weight: var(--fw-semibold); color: var(--ink-soft); white-space: nowrap; position: relative; }
.mainnav-link:hover, .mainnav-link[aria-expanded="true"] { color: var(--royal); background: var(--ice); }
.mainnav-link.is-current { color: var(--royal); }
.mainnav-link.is-current::after { content: ""; position: absolute; left: 11px; right: 11px; bottom: 2px; height: 2.5px; border-radius: 2px; background: var(--royal); }
.mainnav-link .ico { transition: transform var(--t-base) var(--ease-out); }
.mainnav-link[aria-expanded="true"] .ico { transform: rotate(180deg); }

.has-mega { position: static; }
.mega { position: absolute; left: 0; right: 0; top: 100%; z-index: var(--z-menu); padding-top: 6px; }
.mega-in { width: min(1240px, 100% - 64px); margin-inline: auto; background: #fff; border-radius: var(--r-panel); box-shadow: var(--sh-3); border: 1px solid var(--line); display: grid; grid-template-columns: 240px 1fr; overflow: hidden; animation: pop-in var(--t-base) var(--ease-out); transform-origin: top center; }
.mega-intro { background: var(--g-hero); color: #fff; padding: 28px; display: flex; flex-direction: column; justify-content: space-between; gap: 24px; }
.mega-title { font-size: var(--fs-xl); font-weight: var(--fw-black); letter-spacing: -.02em; }
.mega-all { display: inline-flex; gap: 6px; align-items: center; font-weight: var(--fw-semibold); font-size: var(--fs-sm); color: #CFE6FF; }
.mega-all:hover { color: #fff; }
.mega-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 4px; padding: 18px; }
.mega-item { display: flex; gap: 12px; padding: 12px; border-radius: var(--r-tile); transition: background var(--t-fast); }
.mega-item:hover, .mega-item:focus-visible { background: var(--ice); }
.mega-item .tile-ico { width: 40px; height: 40px; border-radius: 12px; }
.mega-item strong { display: block; font-size: var(--fs-sm); font-weight: var(--fw-bold); }
.mega-item small { display: block; font-size: var(--fs-xs); color: var(--ink-muted); line-height: 1.4; margin-top: 2px; }

.header-actions { display: flex; align-items: center; gap: 12px; flex: none; }
.icon-btn { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 12px; color: var(--ink-soft); }
.icon-btn:hover { background: var(--ice); color: var(--royal); }
.header-phone { display: inline-flex; gap: 8px; align-items: center; font-weight: var(--fw-bold); font-size: var(--fs-sm); color: var(--navy); }
.header-phone .ico { color: var(--royal); }

/* ---------- hero ---------- */
.hero { background: var(--g-hero); color: #fff; overflow: hidden; position: relative; isolation: isolate; }
.hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(2px 2px at 20% 30%, rgba(255,255,255,.5), transparent), radial-gradient(1.5px 1.5px at 70% 18%, rgba(255,255,255,.4), transparent), radial-gradient(1.5px 1.5px at 40% 80%, rgba(255,255,255,.3), transparent); z-index: -1; }
.hero-in { display: grid; grid-template-columns: .92fr 1.2fr; align-items: center; gap: 32px; min-height: 560px; padding-block: 48px 0; }
.hero-copy { padding-bottom: 56px; }
.hero-h { font-size: clamp(3rem, 4.6vw, var(--fs-4xl)); line-height: var(--lh-tight); font-weight: var(--fw-black); letter-spacing: -.035em; max-width: 12ch; animation: rise-in var(--t-slow) var(--ease-out) both; }
.hero-sub { margin-top: 18px; font-size: var(--fs-lg); color: #DCEBFF; max-width: 30ch; line-height: 1.4; animation: rise-in var(--t-slow) var(--ease-out) 80ms both; }
.hero-checks { margin-top: 26px; display: grid; grid-template-columns: repeat(2, max-content); gap: 12px 28px; font-size: var(--fs-sm); color: #E6F0FF; animation: rise-in var(--t-slow) var(--ease-out) 160ms both; }
.hero-checks li { display: flex; gap: 10px; align-items: center; }
.chk { display: grid; place-items: center; width: 20px; height: 20px; border-radius: 50%; background: var(--sky); color: var(--navy); flex: none; }
.chk.violet { background: var(--violet); color: #fff; width: 18px; height: 18px; }
.hero-ctas { margin-top: 32px; display: flex; gap: 14px; flex-wrap: wrap; animation: rise-in var(--t-slow) var(--ease-out) 240ms both; }

.hero-art { position: relative; align-self: end; margin-right: -40px; padding-top: 40px; }
.hero-scene { width: 100%; height: auto; }
.hero-arrow .arrow-line { animation: draw 1.6s var(--ease-out) .5s forwards; }
.hero-arrow .arrow-head { opacity: 0; animation: pop-in .4s var(--ease-spring) 1.9s forwards; transform-origin: 560px 70px; }
.hero-coin { animation: float-y 5s ease-in-out infinite; }
.hero-coin.c2 { animation-delay: -2s; }

.float-card { --d: 0ms; position: absolute; display: flex; align-items: center; gap: 10px; padding: 10px 14px 10px 10px; border-radius: var(--r-tile); background: rgba(255,255,255,.94); color: var(--ink); box-shadow: var(--sh-3); backdrop-filter: blur(6px); animation: pop-in var(--t-slow) var(--ease-spring) both, float-y 6s ease-in-out infinite; animation-delay: calc(400ms + var(--d)), calc(1s + var(--d)); transition: transform var(--t-base) var(--ease-out); }
.float-card:hover { transform: translateY(-4px) scale(1.03); animation-play-state: paused; }
.float-card .tile-ico { width: 38px; height: 38px; border-radius: 11px; }
.float-card strong { display: block; font-size: var(--fs-sm); font-weight: var(--fw-bold); white-space: nowrap; }
.float-card small { display: block; font-size: .7rem; color: var(--ink-muted); white-space: nowrap; }
.fc-0 { left: 2%;  top: 8%; --d: 0ms; }
.fc-1 { right: 10%; top: 0%; --d: 90ms; }
.fc-2 { left: -4%; top: 40%; --d: 180ms; }
.fc-3 { right: 0%; top: 26%; --d: 270ms; }
.fc-4 { right: 6%; top: 52%; --d: 360ms; }
.fc-5 { left: 22%; top: 70%; --d: 450ms; }

/* ---------- section heads ---------- */
.sec-head { margin-bottom: 32px; }
.sec-head.split { display: flex; justify-content: space-between; align-items: end; gap: 24px; }
.sec-h { font-size: var(--fs-2xl); font-weight: var(--fw-black); letter-spacing: -.025em; line-height: var(--lh-snug); color: var(--navy); }
.sec-sub { margin-top: 8px; color: var(--ink-muted); font-size: var(--fs-md); }
.text-link { display: inline-flex; gap: 6px; align-items: center; color: var(--royal); font-weight: var(--fw-bold); font-size: var(--fs-sm); white-space: nowrap; }

/* ---------- journeys — the signature moment ---------- */
.journeys { padding: 56px 0 40px; background: linear-gradient(180deg, var(--ice), #fff 60%); }
.journey-grid { display: grid; grid-template-columns: 1.08fr 1.08fr 1fr; gap: 22px; }
.journey-card { border-radius: var(--r-card); overflow: hidden; display: flex; flex-direction: column; border: 1.5px solid transparent; transition: transform var(--t-base) var(--ease-out), box-shadow var(--t-base) var(--ease-out), border-color var(--t-base); }
.journey-card.accent-royal  { background: var(--j-business-bg); border-color: #CFE0FF; }
.journey-card.accent-orange { background: var(--j-personal-bg); border-color: #FFE1C2; }
.journey-card.accent-violet { background: var(--j-discovery-bg); border-color: #E2D6FF; }
.journey-card:hover { transform: translateY(-6px); box-shadow: var(--sh-3); }
.jc-art { position: relative; aspect-ratio: 400 / 170; overflow: hidden; }
.jc-art svg { width: 100%; height: 100%; transition: transform var(--t-slow) var(--ease-out); }
.journey-card:hover .jc-art svg { transform: scale(1.04); }
.jc-art .badge { position: absolute; left: 18px; bottom: 14px; }
.j-arrow { transition: stroke-dashoffset 1.1s var(--ease-out); }
.journey-card.in-view .j-arrow, .journey-card:hover .j-arrow { stroke-dashoffset: 0; }
.jp-car { transition: transform var(--t-slow) var(--ease-out); }
.journey-card:hover .jp-car { transform: translateX(-10px); }
.jd-bubble { animation: float-y 4s ease-in-out infinite; }

.jc-body { padding: 22px 26px 26px; display: flex; flex-direction: column; flex: 1; }
.jc-h { font-size: var(--fs-xl); font-weight: var(--fw-black); letter-spacing: -.02em; line-height: 1.15; }
.accent-royal .jc-h  { color: var(--navy); }
.accent-orange .jc-h { color: var(--orange-ink); }
.accent-violet .jc-h { color: var(--violet-ink); }
.jc-p { margin-top: 10px; color: var(--ink-soft); font-size: var(--fs-sm); }
.jc-list { margin-top: 18px; display: grid; grid-template-columns: 1fr 1fr; gap: 8px 14px; }
.jc-list a { display: flex; align-items: center; gap: 9px; font-size: var(--fs-sm); font-weight: var(--fw-medium); padding: 3px 0; border-radius: 6px; }
.jc-list a:hover { color: var(--royal); }
.mini-ico { display: grid; place-items: center; width: 24px; height: 24px; border-radius: 7px; color: #fff; flex: none; }
.jc-bullets { margin-top: 18px; display: grid; gap: 10px; font-size: var(--fs-sm); }
.jc-bullets li { display: flex; gap: 10px; align-items: center; }
.jc-ctas { margin-top: auto; padding-top: 22px; display: grid; gap: 10px; justify-items: center; }
.jc-secondary { font-size: var(--fs-sm); font-weight: var(--fw-semibold); color: var(--ink-soft); text-decoration: underline; text-underline-offset: 3px; text-decoration-color: var(--line); }
.jc-secondary:hover { color: var(--royal); text-decoration-color: currentColor; }

/* ---------- stats (verified only) ---------- */
.stats-strip { display: flex; justify-content: space-around; gap: 16px; padding: 20px 28px; background: #fff; border-radius: var(--r-card); box-shadow: var(--sh-2); margin-block: 8px 24px; }
.stat { display: flex; gap: 12px; align-items: center; color: var(--royal); }
.stat strong { display: block; font-size: var(--fs-lg); color: var(--navy); font-weight: var(--fw-black); }
.stat span { font-size: var(--fs-sm); color: var(--ink-muted); }

/* ---------- popular ---------- */
.popular { padding: 48px 0; }
.popular-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(118px, 1fr)); gap: 12px; }
.pop-tile { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 10px; min-height: 112px; padding: 14px 8px; text-align: center; background: #fff; border: 1px solid var(--line); border-radius: var(--r-tile); font-size: var(--fs-sm); font-weight: var(--fw-semibold); line-height: 1.25; transition: transform var(--t-base) var(--ease-out), box-shadow var(--t-base), border-color var(--t-base); }
.pop-tile .tile-ico { width: 46px; height: 46px; transition: transform var(--t-base) var(--ease-spring); }
.pop-tile:hover { transform: translateY(-4px); box-shadow: var(--sh-2); border-color: #BCD3FF; }
.pop-tile:hover .tile-ico { transform: rotate(-6deg) scale(1.08); }

/* ---------- how it works ---------- */
.how { padding: 56px 0; background: var(--surface-2); }
.how-steps { margin: 36px 0 0; padding: 0; list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: s; position: relative; }
.how-steps::before { content: ""; position: absolute; top: 24px; left: 12%; right: 12%; height: 2px; background: repeating-linear-gradient(90deg, #BCD3FF 0 8px, transparent 8px 16px); }
.how-step { text-align: center; position: relative; }
.how-n { display: grid; place-items: center; width: 48px; height: 48px; margin: 0 auto 14px; border-radius: 50%; background: var(--g-royal); color: #fff; font-weight: var(--fw-black); font-size: var(--fs-md); box-shadow: 0 0 0 6px var(--surface-2); }
.how-step h3 { font-size: var(--fs-md); font-weight: var(--fw-bold); }
.how-step p { margin-top: 6px; color: var(--ink-muted); font-size: var(--fs-sm); max-width: 26ch; margin-inline: auto; }

/* ---------- discovery band ---------- */
.discovery-band { margin-block: 56px; display: grid; grid-template-columns: 1.3fr 1fr; align-items: center; gap: 24px; padding: 36px 40px; border-radius: var(--r-panel); background: var(--g-hero); color: #fff; overflow: hidden; }
.disc-copy h2 { font-size: var(--fs-xl); font-weight: var(--fw-black); letter-spacing: -.02em; }
.disc-copy p { margin: 10px 0 22px; color: #DCEBFF; }
.disc-art svg { border-radius: var(--r-card); }

/* ---------- why ---------- */
.why { padding: 24px 0 56px; }
.why-grid { margin-top: 28px; display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; }
.why-grid li { display: flex; flex-direction: column; align-items: center; gap: 12px; text-align: center; font-weight: var(--fw-semibold); font-size: var(--fs-sm); padding: 22px 12px; border-radius: var(--r-tile); background: var(--surface-2); }
.why-ico { display: grid; place-items: center; width: 56px; height: 56px; border-radius: 50%; color: #fff; }

/* ---------- FAQ ---------- */
.faqs { padding: 32px 0 72px; }
.faq-list { margin-top: 24px; display: grid; gap: 10px; }
.faq { background: #fff; border: 1px solid var(--line); border-radius: var(--r-tile); }
.faq summary { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 20px; font-weight: var(--fw-semibold); cursor: pointer; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .ico { color: var(--royal); transition: transform var(--t-base); }
.faq[open] summary .ico { transform: rotate(180deg); }
.faq p { padding: 0 20px 18px; color: var(--ink-soft); }

/* ---------- landing / service / solutions ---------- */
.landing-hero { padding: 36px 0 44px; }
.landing-hero.accent-royal  { background: var(--j-business-bg); }
.landing-hero.accent-orange { background: var(--j-personal-bg); }
.landing-hero-in { display: grid; grid-template-columns: 1.1fr 1fr; gap: 40px; align-items: center; }
.landing-art svg { border-radius: var(--r-panel); box-shadow: var(--sh-2); }
.crumbs { display: flex; align-items: center; gap: 6px; flex-wrap: wrap; font-size: var(--fs-xs); color: var(--ink-muted); margin-bottom: 16px; }
.crumbs a:hover { color: var(--royal); }
.landing-h { margin-top: 14px; font-size: var(--fs-3xl); font-weight: var(--fw-black); letter-spacing: -.03em; line-height: var(--lh-tight); }
.landing-p { margin-top: 14px; color: var(--ink-soft); font-size: var(--fs-md); max-width: 54ch; }
.landing-body { padding: 32px 0 72px; }
.cat-chips { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 8px; position: sticky; top: 84px; z-index: 5; padding-block: 10px; background: rgba(255,255,255,.9); backdrop-filter: blur(8px); }
.chip { display: inline-flex; align-items: center; min-height: 38px; padding: 0 16px; border-radius: var(--r-chip); background: var(--surface-2); border: 1px solid var(--line); font-size: var(--fs-sm); font-weight: var(--fw-semibold); color: var(--ink-soft); }
.chip:hover { border-color: var(--royal); color: var(--royal); }
.chip-orange:hover { border-color: var(--orange); color: var(--orange-ink); }
.chip-violet:hover { border-color: var(--violet); color: var(--violet-ink); }
.cat-block { padding-top: 28px; scroll-margin-top: 150px; }
.cat-h { font-size: var(--fs-lg); font-weight: var(--fw-black); letter-spacing: -.015em; margin-bottom: 14px; }
.cat-desc { margin: -8px 0 14px; color: var(--ink-muted); font-size: var(--fs-sm); }
.svc-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(340px, 1fr)); gap: 14px; }
.svc-grid.compact { grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); }
.svc-card { display: flex; align-items: center; gap: 16px; padding: 16px 18px; border-radius: var(--r-tile); background: #fff; border: 1px solid var(--line); height: 100%; transition: transform var(--t-base) var(--ease-out), box-shadow var(--t-base), border-color var(--t-base); }
.svc-card:hover { transform: translateY(-3px); box-shadow: var(--sh-2); border-color: #BCD3FF; }
.svc-card .tile-ico { width: 56px; height: 56px; }
.svc-text { flex: 1; display: grid; gap: 2px; }
.svc-text strong { font-weight: var(--fw-bold); }
.svc-text span { color: var(--ink-muted); font-size: var(--fs-sm); line-height: 1.4; }
.svc-sub { color: var(--royal); font-weight: var(--fw-semibold); font-size: var(--fs-xs); }
.svc-range { color: var(--ink); font-weight: var(--fw-bold); font-size: var(--fs-xs); }
.svc-go { color: var(--royal); transition: transform var(--t-base); }
.svc-card:hover .svc-go { transform: translateX(3px); }
.switch-journey { margin-top: 48px; padding: 22px 26px; border-radius: var(--r-card); background: var(--surface-2); display: flex; align-items: center; gap: 12px; flex-wrap: wrap; }
.switch-journey p { font-weight: var(--fw-bold); margin-right: 8px; }

.svc-hero { padding: 36px 0 32px; background: linear-gradient(180deg, var(--ice), #fff); }
.svc-hero-in { display: flex; gap: 20px; align-items: center; }
.svc-hero-ico { width: 76px; height: 76px; border-radius: 22px; flex: none; }
.svc-h { font-size: var(--fs-2xl); font-weight: var(--fw-black); letter-spacing: -.025em; line-height: 1.15; }
.svc-p { margin-top: 8px; color: var(--ink-soft); font-size: var(--fs-md); }
.svc-body { padding: 16px 0 72px; display: grid; gap: 40px; }
.notfound { padding-block: 96px; text-align: center; }
.notfound .hero-ctas { justify-content: center; }

/* ---------- footer ---------- */
.site-footer { background: var(--navy); color: #B9C7F0; padding-top: 56px; }
.footer-in { display: grid; grid-template-columns: 1.4fr repeat(4, 1fr); gap: 32px; padding-bottom: 36px; }
.footer-brand .logo-word { color: #fff; }
.footer-brand .logo-tag { color: #8EA2DA; }
.footer-brand p { margin-top: 12px; font-size: var(--fs-sm); }
.footer-h { color: #fff; font-weight: var(--fw-bold); margin-bottom: 12px; }
.footer-col li { margin-bottom: 8px; font-size: var(--fs-sm); }
.footer-col a:hover { color: #fff; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.1); padding: 20px 0 28px; display: flex; justify-content: space-between; gap: 24px; }
.footer-legal .disclaimer { color: #8EA2DA; max-width: 80ch; }

.wa-float { position: fixed; right: 24px; bottom: 24px; z-index: var(--z-float); display: grid; place-items: center; width: 60px; height: 60px; border-radius: 50%; background: #128C4A; color: #fff; box-shadow: 0 10px 28px rgba(18,140,74,.4); transition: transform var(--t-base) var(--ease-spring); }
.wa-float:hover { transform: scale(1.08); }

/* ---------- scroll reveal (JS adds .reveal → .in-view) ---------- */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity var(--t-slow) var(--ease-out), transform var(--t-slow) var(--ease-out); transition-delay: var(--stagger, 0ms); }
.reveal.in-view { opacity: 1; transform: none; }

/* ---------- narrower desktops / tablets ---------- */
/* Header degrades in steps so the nav never collides with actions.
   The floating WhatsApp button stays available at every width. */
@media (max-width: 1799px) {
  .header-phone, .header-actions .btn-whatsapp { display: none; }
}
@media (max-width: 1500px) { .logo-tag { display: none; } }
@media (max-width: 1340px) {
  .mainnav-list > li:first-child { display: none; } /* "Home" — the logo links home */
  .mainnav-link { font-size: .82rem; padding-inline: 7px; }
}
@media (max-width: 1180px) {
  .mainnav-list > li:nth-child(n+8) { display: none; } /* Resources/About: reachable from footer */
}
@media (max-width: 1100px) {
  .mainnav-list > li:nth-child(n+7) { display: none; }
  .journey-grid { grid-template-columns: 1fr 1fr; }
  .journey-card.accent-violet { grid-column: 1 / -1; flex-direction: row; }
  .journey-card.accent-violet .jc-art { flex: 0 0 42%; aspect-ratio: auto; }
  .why-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-in { grid-template-columns: 1fr 1fr 1fr; }
}
@media (max-width: 900px) {
  /* Safety net if a narrow window lands on the desktop template (e.g. manual override). */
  .mainnav, .topbar { display: none; }
  .hero-in, .landing-hero-in, .discovery-band { grid-template-columns: 1fr; }
  .journey-grid { grid-template-columns: 1fr; }
  .journey-card.accent-violet { flex-direction: column; }
  .how-steps { grid-template-columns: 1fr 1fr; }
}

.update-toast { position: fixed; left: 24px; bottom: 24px; z-index: var(--z-float); display: flex; align-items: center; gap: 14px; padding: 12px 14px 12px 18px; border-radius: var(--r-btn); background: var(--navy); color: #fff; font-size: var(--fs-sm); box-shadow: var(--sh-3); animation: rise-in var(--t-base) var(--ease-out); }
.update-toast button { min-height: 38px; padding: 0 14px; border: 0; border-radius: 10px; background: var(--sky); color: var(--navy); font-weight: var(--fw-bold); }

/* ---------- Phase 2: service & content pages ---------- */
.svc-hero-text { flex: 1; }
.svc-hero-cta { flex: none; }
.svc-layout { display: grid; grid-template-columns: minmax(0, 1fr) 300px; gap: 48px; padding: 24px 0 80px; align-items: start; }
.svc-main { display: grid; gap: 8px; min-width: 0; }
.svc-aside { position: sticky; top: 100px; }
.aside-card { padding: 22px; border-radius: var(--r-card); background: var(--surface-2); border: 1px solid var(--line); display: grid; gap: 14px; }
.aside-h { font-weight: var(--fw-bold); font-size: var(--fs-sm); color: var(--ink-muted); }
.toc { display: grid; gap: 2px; border-left: 2px solid var(--line); }
.toc a { display: block; padding: 6px 12px; margin-left: -2px; border-left: 2px solid transparent; font-size: var(--fs-sm); color: var(--ink-soft); }
.toc a:hover, .toc a.is-active { color: var(--royal); border-left-color: var(--royal); }
.aside-note { font-size: var(--fs-xs); color: var(--ink-muted); }

.c-block { padding: 28px 0; scroll-margin-top: 100px; border-bottom: 1px solid var(--line); }
.c-block:last-of-type { border-bottom: 0; }
.c-h { font-size: var(--fs-xl); font-weight: var(--fw-black); letter-spacing: -.02em; color: var(--navy); margin-bottom: 16px; line-height: 1.2; }
.c-lead { color: var(--ink-soft); margin: -6px 0 18px; }
.c-block .prose { font-size: var(--fs-md); max-width: 70ch; }
.c-note { margin-top: 14px; font-size: var(--fs-sm); color: var(--ink-muted); }
.benefit-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.benefit { display: flex; gap: 14px; padding: 18px; border-radius: var(--r-tile); background: #fff; border: 1px solid var(--line); }
.benefit .tile-ico { width: 40px; height: 40px; border-radius: 12px; flex: none; }
.benefit h3 { font-size: var(--fs-base); font-weight: var(--fw-bold); }
.benefit p { margin-top: 4px; font-size: var(--fs-sm); color: var(--ink-muted); }
.checklist { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px 24px; }
.checklist li { display: flex; gap: 10px; align-items: flex-start; font-size: var(--fs-base); color: var(--ink-soft); }
.checklist .ico { color: var(--mint); flex: none; margin-top: 3px; }
.checklist.docs .ico { color: var(--royal); }
.c-steps { margin: 0; padding: 0; list-style: none; display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 18px; }
.c-steps li { display: grid; gap: 10px; }
.c-steps .how-n { margin: 0; width: 40px; height: 40px; font-size: var(--fs-base); box-shadow: none; }
.c-steps h3 { font-size: var(--fs-base); font-weight: var(--fw-bold); }
.c-steps p { font-size: var(--fs-sm); color: var(--ink-muted); }
.c-cta { margin: 24px 0; display: flex; justify-content: space-between; align-items: center; gap: 24px; padding: 28px 32px; border-radius: var(--r-card); background: var(--g-hero); color: #fff; }
.c-cta h2 { font-size: var(--fs-lg); font-weight: var(--fw-black); letter-spacing: -.015em; }
.c-cta p { color: #DCEBFF; margin-top: 4px; }
.c-disclaimer { display: flex; gap: 10px; margin-top: 24px; padding: 14px 16px; border-radius: var(--r-tile); background: var(--surface-2); color: var(--ink-muted); font-size: var(--fs-xs); }
.c-disclaimer .ico { flex: none; color: var(--royal); margin-top: 2px; }
.c-disclaimer .prose { color: inherit; }
.why-grid.compact { grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); margin-top: 0; }
.scheme { padding: 22px; border-radius: var(--r-card); border: 1px solid var(--line); background: #fff; display: grid; gap: 10px; }
.scheme + .scheme { margin-top: 16px; }
.scheme header { display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.scheme h3 { font-size: var(--fs-lg); font-weight: var(--fw-black); }
.scheme-type { flex: none; padding: 4px 12px; border-radius: var(--r-chip); background: var(--ice); color: var(--royal); font-size: var(--fs-xs); font-weight: var(--fw-bold); }
.scheme-meta { font-size: var(--fs-xs); color: var(--ink-muted); }
.scheme-cols { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px 28px; }
.scheme-cols h4 { font-size: var(--fs-sm); font-weight: var(--fw-bold); color: var(--navy); margin-bottom: 4px; }
.scheme-cols .prose { font-size: var(--fs-sm); }
.contact-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.contact-grid a, .contact-grid li > div { display: flex; gap: 14px; align-items: center; padding: 16px; border-radius: var(--r-tile); border: 1px solid var(--line); background: #fff; height: 100%; }
.contact-grid a:hover { border-color: var(--royal); box-shadow: var(--sh-2); }
.contact-grid .tile-ico { width: 46px; height: 46px; flex: none; }
.contact-grid strong { display: block; color: var(--navy); }
.contact-grid span span, .contact-grid a > span:last-child { font-size: var(--fs-sm); color: var(--ink-soft); }
.c-address { margin-top: 16px; color: var(--ink-soft); }
.article-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 16px; }
.article-card { display: grid; gap: 10px; align-content: start; height: 100%; padding: 22px; border-radius: var(--r-card); border: 1px solid var(--line); background: #fff; transition: transform var(--t-base) var(--ease-out), box-shadow var(--t-base); }
.article-card:hover { transform: translateY(-3px); box-shadow: var(--sh-2); }
.article-card .tile-ico { width: 44px; height: 44px; }
.article-card strong { font-size: var(--fs-md); color: var(--navy); line-height: 1.3; }
.article-card span { font-size: var(--fs-sm); color: var(--ink-muted); }
.article-card em { font-style: normal; display: inline-flex; gap: 6px; align-items: center; color: var(--royal); font-weight: var(--fw-bold); font-size: var(--fs-sm); margin-top: 4px; }
.page-hero { padding-bottom: 24px; }
.page-date { margin-top: 10px; font-size: var(--fs-sm); color: var(--ink-muted); }
.page-body { padding-bottom: 72px; }
.page-body .c-block .prose { font-size: 1.06rem; line-height: 1.75; }
.footer-pages { display: flex; flex-wrap: wrap; gap: 8px 22px; padding: 0 0 18px; font-size: var(--fs-sm); }
.footer-pages a:hover { color: #fff; }

@media (max-width: 1100px) {
  .svc-layout { grid-template-columns: 1fr; }
  .svc-aside { display: none; }
  .svc-hero-in { flex-wrap: wrap; }
}

/* ---------- Phase 3: calculators ---------- */
.calc { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr); gap: 0; border-radius: var(--r-panel); overflow: hidden; border: 1px solid var(--line); background: #fff; box-shadow: var(--sh-2); }
.calc-inputs { padding: 28px 30px; display: grid; gap: 18px; align-content: start; }
.calc-title { font-size: var(--fs-lg); font-weight: var(--fw-black); color: var(--navy); letter-spacing: -.015em; }
.calc-field-top { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.calc-field label { font-size: var(--fs-sm); font-weight: var(--fw-semibold); color: var(--ink-soft); }
.calc-val { font-size: var(--fs-lg); font-weight: var(--fw-black); color: var(--navy); letter-spacing: -.01em; }
.calc-field select, .calc-field > input[type=number] { width: 100%; margin-top: 6px; font: inherit; padding: 10px 12px; border: 1.5px solid var(--line); border-radius: var(--r-btn); background: #fff; }
.calc-minmax { display: flex; justify-content: space-between; align-items: center; gap: 10px; font-size: var(--fs-xs); color: var(--ink-muted); }
.calc-exact { display: inline-flex; align-items: center; gap: 4px; }
.calc-exact input { width: 128px; font: inherit; font-size: var(--fs-sm); font-weight: var(--fw-semibold); text-align: center; padding: 5px 8px; border: 1.5px solid var(--line); border-radius: 8px; color: var(--ink); background: var(--surface-2); }
.calc-exact input:focus { outline: none; border-color: var(--royal); background: #fff; }
.calc-exact em { font-style: normal; }
.calc-help { font-size: var(--fs-xs); color: var(--ink-muted); margin-top: 4px; }
.calc-results { padding: 28px 30px; background: linear-gradient(170deg, #F3F8FF, #EAF2FF); border-left: 1px solid var(--line); display: grid; gap: 14px; align-content: start; }
.calc-kicker { font-size: var(--fs-sm); font-weight: var(--fw-bold); color: var(--ink-soft); }
.calc-big { font-size: 2.6rem; font-weight: var(--fw-black); color: var(--navy); letter-spacing: -.03em; line-height: 1; }
.calc-big small { font-size: var(--fs-md); color: var(--ink-muted); font-weight: var(--fw-semibold); margin-left: 4px; letter-spacing: 0; }
.calc-donut-row { display: flex; align-items: center; gap: 22px; }
.calc-donut-row .calc-legend { flex: 1; }
.calc-rows { margin: 0; display: grid; border-top: 1px solid #D5E2F7; }
.calc-rows div { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-bottom: 1px solid #D5E2F7; font-size: var(--fs-sm); }
.calc-rows dt { color: var(--ink-soft); }
.calc-rows dd { margin: 0; font-weight: var(--fw-bold); color: var(--navy); }
.calc-rows .row-total dd { color: var(--royal); }
.calc-more { background: #fff; border: 1px solid var(--line); border-radius: var(--r-tile); padding: 0 14px; }
.calc-more summary { display: flex; align-items: center; gap: 8px; min-height: 44px; cursor: pointer; font-weight: var(--fw-semibold); font-size: var(--fs-sm); color: var(--royal); list-style: none; }
.calc-more summary::-webkit-details-marker { display: none; }
.calc-more[open] { padding-bottom: 12px; }
.calc-notes { display: grid; gap: 4px; font-size: var(--fs-xs); color: var(--ink-muted); list-style: disc; padding-left: 16px; }
.calc-notes:empty { display: none; }
.calc-actions { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.calc-disclaimer { font-size: var(--fs-xs); color: var(--ink-muted); line-height: 1.5; }
.calc-compact .calc-big { font-size: 2.2rem; }

.calc-hero { padding-bottom: 18px; }
.calc-layout { display: grid; grid-template-columns: 210px minmax(0, 1fr); gap: 32px; padding: 12px 0 80px; align-items: start; }
.calc-tabs { position: sticky; top: 100px; display: grid; gap: 4px; }
.calc-tabs a { padding: 10px 14px; border-radius: var(--r-btn); font-weight: var(--fw-semibold); font-size: var(--fs-sm); color: var(--ink-soft); }
.calc-tabs a:hover { background: var(--ice); color: var(--royal); }
.calc-tabs a.is-on { background: var(--royal); color: #fff; box-shadow: 0 6px 16px rgba(36,87,230,.3); }
.calc-main { display: grid; gap: 24px; min-width: 0; }
.calc-next { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 22px 26px; border-radius: var(--r-card); background: var(--surface-2); border: 1px solid var(--line); }
.calc-next h2 { font-size: var(--fs-md); font-weight: var(--fw-black); color: var(--navy); }
.calc-next p { font-size: var(--fs-sm); color: var(--ink-muted); }
.c-calc .calc { margin-top: 4px; }

.home-calc { padding: 48px 0; background: linear-gradient(180deg, #fff, var(--ice)); }
.home-calc-tabs { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 18px; }
.home-calc-tabs a { padding: 8px 16px; border-radius: var(--r-chip); border: 1.5px solid var(--line); background: #fff; font-size: var(--fs-sm); font-weight: var(--fw-semibold); color: var(--ink-soft); }
.home-calc-tabs a:hover { border-color: var(--royal); color: var(--royal); }
.home-calc-tabs a.is-on { background: var(--navy); border-color: var(--navy); color: #fff; }

@media (max-width: 1100px) {
  .calc { grid-template-columns: 1fr; }
  .calc-results { border-left: 0; border-top: 1px solid var(--line); }
  .calc-layout { grid-template-columns: 1fr; }
  .calc-tabs { position: static; display: flex; flex-wrap: wrap; }
}

/* ---------- Phase 4: funding finder ---------- */
.finder-hero { background: linear-gradient(170deg, var(--ice), #fff 70%); padding: 48px 0 40px; }
.finder-intro { display: grid; grid-template-columns: 1.4fr 1fr; gap: 56px; align-items: start; }
.finder-intro h1, .result-head h1 { font-size: var(--fs-3xl); font-weight: var(--fw-black); letter-spacing: -.03em; line-height: 1.08; color: var(--navy); margin-top: 14px; }
.finder-lead { margin-top: 14px; font-size: var(--fs-md); color: var(--ink-soft); max-width: 56ch; }
.finder-start { margin-top: 26px; }
.finder-resume { margin-top: 24px; display: flex; align-items: center; gap: 16px; padding: 16px 18px; border-radius: var(--r-card); background: #fff; border: 1px solid var(--line); box-shadow: var(--sh-2); }
.finder-resume div { flex: 1; }
.finder-promises { margin-top: 26px; display: grid; gap: 10px; font-size: var(--fs-sm); color: var(--ink-soft); }
.finder-promises li { display: flex; gap: 10px; align-items: center; }
.finder-promises .ico { color: var(--royal); }
.finder-steps-preview { padding: 26px; border-radius: var(--r-card); background: #fff; border: 1px solid var(--line); box-shadow: var(--sh-1); }
.finder-steps-preview ol { margin: 12px 0; padding: 0; list-style: none; display: grid; gap: 12px; }
.finder-steps-preview li { display: flex; align-items: center; gap: 12px; font-weight: var(--fw-semibold); }
.finder-steps-preview li span { display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: var(--ice); color: var(--royal); font-weight: var(--fw-black); font-size: var(--fs-sm); }
.finder-layout { display: grid; grid-template-columns: 290px minmax(0, 1fr); gap: 48px; padding: 36px 0 80px; align-items: start; }
.finder-side { position: sticky; top: 100px; }
.finder-side-card { padding: 22px; border-radius: var(--r-card); background: var(--surface-2); border: 1px solid var(--line); display: grid; gap: 18px; }
.finder-progress { display: flex; align-items: center; gap: 14px; }
.finder-progress strong { display: block; color: var(--navy); }
.finder-time { font-size: var(--fs-sm); color: var(--ink-muted); }
.finder-steplist { margin: 0; padding: 0; list-style: none; display: grid; gap: 4px; }
.finder-steplist a, .finder-steplist li > span { display: flex; align-items: center; gap: 10px; padding: 8px 10px; border-radius: 10px; font-size: var(--fs-sm); font-weight: var(--fw-semibold); color: var(--ink-muted); }
.finder-steplist a:hover { background: #fff; color: var(--royal); }
.finder-steplist .dot { display: grid; place-items: center; width: 24px; height: 24px; border-radius: 50%; border: 2px solid #C4D3EE; font-size: .72rem; font-weight: var(--fw-black); flex: none; }
.finder-steplist .is-done .dot { background: var(--mint); border-color: var(--mint); color: #fff; }
.finder-steplist .is-done a { color: var(--ink-soft); }
.finder-steplist .is-current > span { background: #fff; color: var(--navy); box-shadow: var(--sh-1); }
.finder-steplist .is-current .dot { background: var(--royal); border-color: var(--royal); color: #fff; }
.finder-main { max-width: 760px; }
.finder-kicker { font-size: var(--fs-sm); font-weight: var(--fw-bold); color: var(--royal); }
.finder-h { font-size: var(--fs-2xl); font-weight: var(--fw-black); letter-spacing: -.025em; color: var(--navy); margin-top: 4px; line-height: 1.15; }
.finder-sub { margin: 8px 0 22px; color: var(--ink-soft); font-size: var(--fs-md); }
.result-hero { padding: 52px 0 36px; }
.result-head { display: grid; justify-items: start; gap: 4px; }
.result-head .finder-kicker { margin-top: 14px; }
.result-body { padding-bottom: 80px; }
.result-actions { text-align: center; font-size: var(--fs-sm); color: var(--ink-muted); }
.result-actions a { color: var(--royal); font-weight: var(--fw-semibold); }
@media (max-width: 1100px) { .finder-layout, .finder-intro { grid-template-columns: 1fr; } .finder-side { position: static; } }
.finder-h + .q-form, .finder-h + .q-errors, .finder-h + .q-saved { margin-top: 22px; }
.form-page { padding: 44px 0 80px; max-width: 640px; }
.form-h { font-size: var(--fs-2xl); font-weight: var(--fw-black); letter-spacing: -.025em; color: var(--navy); line-height: 1.15; margin-top: 4px; }
.done-next { list-style: none; margin: 6px 0; padding: 0; display: grid; gap: 14px; }
.done-next li { display: flex; gap: 14px; align-items: flex-start; }
.done-next .how-n { width: 36px; height: 36px; margin: 0; flex: none; box-shadow: none; font-size: var(--fs-sm); }
.done-next h3 { font-size: var(--fs-base); font-weight: var(--fw-bold); color: var(--navy); }
.done-next p { font-size: var(--fs-sm); color: var(--ink-muted); margin-top: 2px; }

/* Performance: defer layout/paint of below-the-fold homepage sections. */
main > section:nth-of-type(n+4) { content-visibility: auto; contain-intrinsic-size: auto 720px; }