/* FiscalFix Associates v15 — editorial theme (white, deep green, gold) */
:root{
  --green-900:#0E3B2E; --green:#085041; --green-700:#0B4A3A;
  --gold:#EF9F27; --gold-ink:#8A520A; --gold-soft:#FBEBD2;
  --ink:#1E2022; --body:#3C3E40; --muted:#5F6366; --line:#D9D6D3; --line-soft:#E8E5E1;
  --stone:#F4F1ED; --paper:#FFFFFF;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:Inter,"Segoe UI",system-ui,-apple-system,Arial,sans-serif;
  --wrap:1200px; --gut:24px;
  --ease:cubic-bezier(.22,1,.36,1);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:96px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}}
body{margin:0;background:var(--paper);color:var(--body);font:400 16px/1.65 var(--sans);text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--green);text-underline-offset:3px}
a:hover{color:var(--green-900)}
h1,h2,h3,h4{color:var(--ink);margin:0;font-weight:500;line-height:1.15}
p{margin:0 0 1em}
button{font:inherit;cursor:pointer}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.narrow{max-width:820px}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:8px}
.serif,.serif-i{font-family:var(--serif)}
.gold{color:var(--gold-ink)}
.sr-only{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* Eyebrows & headings */
.eyebrow{display:inline-block;font:600 12px/1.4 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink)}
.on-dark .eyebrow,.eyebrow.light{color:var(--gold)}
.h-display{font-family:var(--serif);font-weight:400;letter-spacing:-.01em;font-size:clamp(34px,4.2vw,50px);line-height:1.08}
.h-display em,.hero h1 em,h1 em,h2 em{font-style:italic;font-weight:400}
.h-sub{font-family:var(--serif);font-weight:400;font-size:clamp(28px,3.2vw,40px);line-height:1.12}
.lead{font-size:18px;color:var(--body);max-width:640px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:12px 22px;border:1px solid transparent;font:600 15px/1.2 var(--sans);text-decoration:none;transition:background .2s,color .2s,border-color .2s,transform .2s var(--ease);border-radius:2px}
.btn svg{width:18px;height:18px;flex:none}
.btn-gold{background:var(--gold);color:var(--ink)}
.btn-gold:hover{background:#F5B04A;color:var(--ink)}
.btn-green{background:var(--green);color:#fff}
.btn-green:hover{background:var(--green-900);color:#fff}
.btn-ghost{border-color:rgba(255,255,255,.6);color:#fff;background:transparent}
.btn-ghost:hover{background:rgba(255,255,255,.1);color:#fff}
.btn-line{border-color:var(--green);color:var(--green);background:transparent}
.btn-line:hover{background:var(--green);color:#fff}
.btn-wa{background:#1FA855;color:#fff}
.btn-wa:hover{background:#178a45;color:#fff}
.btn-sm{min-height:42px;padding:9px 16px;font-size:14px}
.ctas{display:flex;flex-wrap:wrap;gap:12px}

/* Top contact bar */
.topbar{background:var(--green-900);color:rgba(255,255,255,.88);font-size:13px}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:40px}
.topbar a{color:inherit;text-decoration:none;display:inline-flex;align-items:center;gap:8px;padding:8px 0}
.topbar a:hover{color:var(--gold)}
.topbar svg{width:15px;height:15px;color:var(--gold);flex:none}
.tb-l,.tb-r{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.tb-sep{width:1px;height:16px;background:rgba(255,255,255,.2)}
.tb-social{display:flex;gap:4px}
.tb-social a{padding:8px 6px}
.tb-hide-s{display:inline-flex}
@media (max-width:760px){.topbar .tb-hide-s,.topbar .tb-sep,.topbar .tb-social,.tb-r{display:none}.tb-l{gap:18px;flex-wrap:nowrap}.topbar .wrap{justify-content:center;min-height:36px}.topbar{font-size:12.5px}}
@media (max-width:360px){.tb-l a:first-child{display:none}}

/* Header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(8px)}
.nav-bar{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:74px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand img{width:42px;height:42px}
.brand b{display:block;font:600 16px/1.2 var(--sans);color:var(--ink)}
.brand small{display:block;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.nav{display:flex;align-items:center;gap:4px}
.nav>a,.nav .dd>button{display:inline-flex;align-items:center;gap:6px;padding:12px 14px;font:500 15px/1 var(--sans);color:var(--ink);text-decoration:none;background:none;border:0;border-radius:2px}
.nav>a:hover,.nav .dd>button:hover,.nav>a[aria-current="page"],.nav .dd.on>button{color:var(--green)}
.nav>a[aria-current="page"]{box-shadow:inset 0 -2px 0 var(--gold)}
.dd{position:relative}
.dd>button svg{width:12px;height:12px;transition:transform .2s}
.dd[data-open="true"]>button svg{transform:rotate(180deg)}
.dd-panel{position:absolute;left:50%;top:calc(100% + 10px);transform:translate(-50%,6px);width:min(760px,92vw);background:#fff;border:1px solid var(--line);box-shadow:0 24px 60px -24px rgba(14,59,46,.35);padding:22px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:4px 18px;opacity:0;visibility:hidden;transition:opacity .18s,transform .18s var(--ease),visibility .18s}
.dd-panel::before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}
.dd[data-open="true"] .dd-panel{opacity:1;visibility:visible;transform:translate(-50%,0)}
@media (hover:hover){.dd:hover .dd-panel{opacity:1;visibility:visible;transform:translate(-50%,0)}.dd:hover>button svg{transform:rotate(180deg)}}
.dd-panel a{display:flex;gap:14px;align-items:flex-start;padding:12px;text-decoration:none;color:var(--body);border-radius:2px}
.dd-panel a:hover{background:var(--stone)}
.dd-panel .n{font:400 20px/1 var(--serif);color:var(--green);min-width:26px;padding-top:2px}
.dd-panel b{display:block;font:600 15px/1.3 var(--sans);color:var(--ink);margin-bottom:3px}
.dd-panel small{display:block;font-size:13px;line-height:1.45;color:var(--muted)}
.dd-panel a[aria-current="page"] b{color:var(--green)}
.dd-foot{grid-column:1/-1;display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap;margin-top:8px;padding:14px 12px 2px;border-top:1px solid var(--line-soft);font-size:14px}
.nav-right{display:flex;align-items:center;gap:10px}
.menu-btn{display:none;width:46px;height:46px;border:1px solid var(--line);background:#fff;align-items:center;justify-content:center;border-radius:2px}
.menu-btn svg{width:22px;height:22px;color:var(--ink)}
.menu-btn .x{display:none}
body.menu-open .menu-btn .x{display:block}
body.menu-open .menu-btn .bars{display:none}
@media (max-width:1040px){.nav{display:none}.menu-btn{display:inline-flex}.nav-right .btn{display:none}}
@media (max-width:1040px) and (min-width:560px){.nav-right .btn{display:inline-flex}}

/* Mobile menu */
.mobile-menu{position:fixed;inset:0;top:0;z-index:99;background:#fff;padding:120px var(--gut) 40px;overflow-y:auto;opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .2s,transform .2s var(--ease),visibility .2s}
body.menu-open .mobile-menu{opacity:1;visibility:visible;transform:none}
body.menu-open{overflow:hidden}
.mobile-menu ul{list-style:none;margin:0;padding:0}
.mobile-menu>nav>ul>li{border-bottom:1px solid var(--line)}
.mobile-menu nav a,.mobile-menu summary{display:flex;justify-content:space-between;align-items:center;padding:16px 2px;font:500 18px/1.3 var(--sans);color:var(--ink);text-decoration:none;cursor:pointer;list-style:none}
.mobile-menu summary::-webkit-details-marker{display:none}
.mobile-menu summary::after{content:"+";font:400 24px/1 var(--serif);color:var(--green)}
.mobile-menu details[open] summary::after{content:"−"}
.mobile-menu details ul{padding:0 0 12px 14px;border-left:2px solid var(--gold);margin-left:2px}
.mobile-menu details ul a{font-size:16px;padding:10px 8px;color:var(--body)}
.mm-foot{display:grid;gap:12px;margin-top:28px}
.mm-foot p{margin:6px 0 0;color:var(--muted);font-size:14px}

/* Hero: full-bleed photo with a left-to-right green overlay */
.hero{position:relative;color:#fff;background:var(--green-900);overflow:hidden;isolation:isolate}
.hero-media{position:absolute;inset:0;z-index:-1}
.hero-media .hero-img{width:100%;height:100%;object-fit:cover}
.hero-media::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,46,36,.92) 0%,rgba(10,46,36,.80) 34%,rgba(10,46,36,.42) 62%,rgba(10,46,36,.12) 100%)}
.hero .wrap{padding-top:clamp(64px,7.5vw,112px);padding-bottom:clamp(60px,7vw,100px)}
.hero-copy{max-width:880px}
.hero.has-media .hero-copy{max-width:640px}
.hero h1{font-family:var(--serif);font-weight:400;color:#fff;font-size:clamp(36px,4.8vw,64px);line-height:1.05;letter-spacing:-.015em}
.hero .lead{color:rgba(255,255,255,.9);margin:24px 0 0;max-width:600px}
.hero .ctas{margin-top:32px}
.hero-sm .wrap{padding-top:clamp(52px,5.5vw,80px);padding-bottom:clamp(48px,5vw,72px)}
.hero-sm h1{font-size:clamp(32px,4.2vw,54px)}
@media (max-width:760px){.hero-media::after{background:linear-gradient(180deg,rgba(10,46,36,.70) 0%,rgba(10,46,36,.86) 100%)}}
.crumbs{font-size:12px;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.crumbs li{display:flex;gap:8px;align-items:center;color:rgba(255,255,255,.74)}
.crumbs li+li::before{content:"/";color:var(--gold)}
.crumbs a{color:rgba(255,255,255,.86);text-decoration:none}
.crumbs a:hover{color:#fff;text-decoration:underline}
.crumbs [aria-current]{color:rgba(255,255,255,.95)}
.hero .eyebrow{color:var(--gold);margin-bottom:14px}
.proof{display:flex;flex-wrap:wrap;gap:10px 26px;margin-top:30px;font-size:14px;color:rgba(255,255,255,.85)}
.proof span{display:inline-flex;align-items:center;gap:8px}
.proof svg{width:16px;height:16px;color:var(--gold)}
.post-meta{display:flex;flex-wrap:wrap;gap:6px 22px;margin-top:22px;font-size:14px;color:rgba(255,255,255,.82)}
.post-meta span+span::before{content:"·";margin-right:22px;color:var(--gold)}

/* Pillar strip */
.pillars{background:var(--stone)}
.pillars .wrap{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:28px;padding-top:26px;padding-bottom:28px}
.pillar{border-top:2px solid var(--gold);padding-top:12px}
.pillar .k{display:block;font:600 11px/1.4 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink)}
.pillar .v{display:block;margin-top:6px;font:400 20px/1.3 var(--serif);color:var(--ink)}
@media (max-width:860px){.pillars .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* Sections */
.sec{padding:clamp(34px,3.8vw,52px) 0}
.sec-tight{padding:clamp(26px,3vw,38px) 0}
/* two plain (white) sections in a row: no double gap */
.sec:not(.sec-stone):not(.sec-dark)+.sec:not(.sec-stone):not(.sec-dark),
.sec-stone+.sec-stone{padding-top:0}
.sec-stone{background:var(--stone)}
.sec-dark{background:var(--green-900);color:rgba(255,255,255,.85)}
.sec-dark h2,.sec-dark h3{color:#fff}
.sec-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:20px 48px;margin-bottom:26px}
.sec-head>div{max-width:720px}
.sec-head .eyebrow{margin-bottom:12px}
.sec-head p{max-width:440px;margin:0;color:var(--muted)}
.sec-dark .sec-head p{color:rgba(255,255,255,.75)}

/* Split: photo + content */
.split{display:flex;flex-wrap:wrap;gap:clamp(32px,4.5vw,56px);align-items:stretch}
.split-media{flex:1 1 420px;position:relative;min-height:480px;overflow:hidden;background:var(--green-900);display:flex;flex-direction:column;justify-content:flex-end}
.split-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.split-media::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(14,59,46,0) 38%,rgba(14,59,46,.9) 100%)}
.split-media blockquote{position:relative;z-index:1;margin:0;padding:32px;font:400 27px/1.25 var(--serif);color:#fff}
.split-body{flex:1.35 1 520px;min-width:0}
.split-body .eyebrow{margin-bottom:12px}
.split-body h2{margin-bottom:28px}
@media (max-width:700px){.split-media{min-height:420px}}

/* Numbered list */
.numlist{list-style:none;margin:0;padding:0;counter-reset:n}
.numlist li{display:flex;gap:20px;padding:16px 0;border-top:1px solid var(--line);counter-increment:n}
.numlist li:last-child{border-bottom:1px solid var(--line)}
.numlist li::before{content:counter(n,decimal-leading-zero);font:400 22px/1.3 var(--serif);color:var(--green);min-width:34px}
.numlist strong{color:var(--ink)}

/* Process: one row of five */
.process{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:24px}
.process .p{border-top:1px solid var(--green);padding-top:16px}
.process .n{font:400 28px/1 var(--serif);color:var(--green)}
.process h3{font:600 16px/1.3 var(--sans);margin:10px 0 6px}
.process p{margin:0;font-size:14px;line-height:1.55}
.process .tag{display:inline-block;margin-top:10px;font:600 10.5px/1.3 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink)}
@media (max-width:980px){.process{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:620px){.process{grid-template-columns:1fr 1fr}}
@media (max-width:420px){.process{grid-template-columns:1fr}}

/* Two-col fit + FAQ */
.twocol{display:flex;flex-wrap:wrap;gap:clamp(32px,4.5vw,56px)}
.twocol>.a{flex:1 1 340px}
.twocol>.b{flex:999 1 480px;min-width:0}
.ticks{list-style:none;margin:0;padding:0}
.ticks li{padding:14px 0 14px 30px;border-top:1px solid var(--line);position:relative}
.ticks li:last-child{border-bottom:1px solid var(--line)}
.ticks li::before{content:"";position:absolute;left:2px;top:22px;width:12px;height:7px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg)}
.faq-list details{border-top:1px solid var(--line)}
.faq-list details:last-child{border-bottom:1px solid var(--line)}
.faq-list summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:20px;align-items:flex-start;padding:20px 0;font:500 20px/1.35 var(--serif);color:var(--ink)}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{content:"+";font:400 26px/1 var(--serif);color:var(--green);flex:none;transition:transform .2s}
.faq-list details[open] summary::after{transform:rotate(45deg)}
.faq-list .a{padding:0 0 20px;max-width:720px}
.faq-list .a p:last-child{margin:0}
.sec-dark .faq-list details{border-color:rgba(255,255,255,.2)}
.sec-dark .faq-list summary{color:#fff}

/* Link columns */
.linkcols{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:28px}
.linkcols .eyebrow{display:block;margin-bottom:10px}
.linkcols a{display:block;padding:6px 0}
.linkcols a.read{font:400 20px/1.3 var(--serif);color:var(--ink);text-decoration:none}
.linkcols a.read:hover{color:var(--green)}

/* Dark band list (markets) */
.markets{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:0 32px}
.markets p{margin:0;padding:16px 0;border-top:1px solid rgba(255,255,255,.2);font:400 22px/1.3 var(--serif);color:#fff}
.markets p small{display:block;font:500 12px/1.5 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.6);margin-top:4px}
.markets p.more{color:var(--gold);font-style:italic}

/* Software strip */
.soft{display:flex;flex-wrap:wrap;align-items:center;gap:20px 48px}
.soft .list{display:flex;flex-wrap:wrap;gap:12px 38px;font:400 24px/1.2 var(--serif);color:var(--ink)}

/* Service cards (home) */
.svc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(270px,1fr));gap:0;border-top:1px solid var(--line);border-left:1px solid var(--line)}
.svc{display:flex;flex-direction:column;gap:10px;padding:28px 26px 26px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);text-decoration:none;color:var(--body);transition:background .2s}
.svc:hover{background:var(--stone);color:var(--body)}
.svc .n{font:400 26px/1 var(--serif);color:var(--green)}
.svc h3{font:500 22px/1.25 var(--serif);color:var(--ink)}
.svc p{margin:0;font-size:15px;color:var(--muted)}
.svc .go{margin-top:auto;padding-top:10px;font:600 13px/1 var(--sans);letter-spacing:.06em;text-transform:uppercase;color:var(--green)}
.svc.wide{background:var(--green-900);color:rgba(255,255,255,.82)}
.svc.wide h3{color:#fff}.svc.wide .n,.svc.wide .go{color:var(--gold)}.svc.wide p{color:rgba(255,255,255,.75)}
.svc.wide:hover{background:var(--green)}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:30px}
.stats div{border-top:2px solid var(--gold);padding-top:12px}
.stats b{display:block;font:400 40px/1 var(--serif);color:var(--green)}
.stats span{display:block;margin-top:6px;font-size:13px;color:var(--muted)}

/* Team */
.team{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:26px 22px}
@media (max-width:900px){.team{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:620px){.team{grid-template-columns:repeat(2,minmax(0,1fr))}}
.member img{width:100%;aspect-ratio:1/1;object-fit:cover;object-position:center 22%;background:var(--stone)}
.member h3{font:500 19px/1.3 var(--serif);margin-top:14px}
.member .role{display:block;font-size:13.5px;color:var(--green);font-weight:600;margin-top:2px}
.member .cred{display:block;font-size:13px;color:var(--muted);margin-top:2px}

/* Post cards */
.related,.posts{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:26px}
.post-card{display:flex;flex-direction:column;text-decoration:none;color:var(--body);background:#fff;border:1px solid var(--line);transition:border-color .2s,transform .25s var(--ease)}
.post-card:hover{border-color:var(--green);color:var(--body);transform:translateY(-2px)}
.post-card .thumb{aspect-ratio:16/9;overflow:hidden;background:var(--stone)}
.post-card .thumb img{width:100%;height:100%;object-fit:cover}
.post-card .pc-b{display:flex;flex-direction:column;gap:10px;padding:20px 22px 22px;flex:1}
.post-card .tag{font:600 11px/1.4 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink)}
.post-card h3{font:500 21px/1.3 var(--serif);color:var(--ink)}
.post-card p{margin:0;font-size:15px;color:var(--muted)}
.post-card .foot{margin-top:auto;padding-top:12px;display:flex;justify-content:space-between;font-size:13px;color:var(--muted);border-top:1px solid var(--line-soft)}
.post-card .foot b{color:var(--green);font-weight:600}
.post-card.no-thumb .thumb{display:none}

/* CTA band */
.cta-band{background:var(--green-900);color:rgba(255,255,255,.85)}
.cta-band .wrap{display:flex;flex-wrap:wrap;gap:30px;align-items:flex-end;justify-content:space-between;padding-top:clamp(38px,4vw,54px);padding-bottom:clamp(38px,4vw,54px)}
.cta-band h2{font:400 clamp(32px,4.4vw,54px)/1.08 var(--serif);color:#fff}
.cta-band p{margin:18px 0 0;max-width:540px}
.cta-band .eyebrow{color:var(--gold);margin-bottom:14px}
.cta-inline{border:1px solid var(--line);background:var(--stone);padding:32px;display:flex;flex-wrap:wrap;gap:24px;align-items:center;justify-content:space-between}
.cta-inline h2{font:400 clamp(24px,2.6vw,32px)/1.2 var(--serif)}
.cta-inline p{margin:8px 0 0;max-width:620px;color:var(--muted)}

/* Footer */
.site-footer{background:#0A2E24;color:rgba(255,255,255,.72);font-size:14.5px}
.site-footer a{color:rgba(255,255,255,.82);text-decoration:none}
.site-footer a:hover{color:var(--gold)}
.ft-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding:64px 0 44px}
.ft-brand p{margin:16px 0 0;max-width:330px}
.ft-slogan{font:400 italic 20px/1.3 var(--serif);color:#fff;margin-top:18px!important}
.site-footer h2{font:600 12px/1.4 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:14px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{padding:5px 0}
.ft-contact li{display:flex;gap:10px}
.ft-contact svg{width:16px;height:16px;color:var(--gold);flex:none;margin-top:4px}
.socials{display:flex;gap:10px;margin-top:18px}
.socials a{width:40px;height:40px;display:inline-flex;align-items:center;justify-content:center;border:1px solid rgba(255,255,255,.22);border-radius:50%}
.socials a:hover{border-color:var(--gold)}
.socials svg{width:17px;height:17px}
.contact-page .socials a{border-color:var(--line);color:var(--green)}
.ft-bot{border-top:1px solid rgba(255,255,255,.12);padding:20px 0;display:flex;flex-wrap:wrap;gap:12px 28px;justify-content:space-between;font-size:13px}
.ft-bot nav{display:flex;flex-wrap:wrap;gap:6px 22px}
@media (max-width:960px){.ft-top{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.ft-top{grid-template-columns:1fr}}

/* Floating WhatsApp */
.wa-float{position:fixed;right:18px;bottom:18px;z-index:90;width:56px;height:56px;border-radius:50%;background:#1FA855;color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 30px -8px rgba(0,0,0,.35)}
.wa-float:hover{color:#fff;background:#178a45}
.wa-float svg{width:28px;height:28px}

/* Reveal */
.js .rv{opacity:0;transform:translateY(16px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.js .rv.in{opacity:1;transform:none}

/* ---------- Article / prose ---------- */
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;align-items:start}
@media (max-width:980px){.article-grid{grid-template-columns:1fr}}
.prose{font-size:17px;line-height:1.75;color:var(--body)}
.prose h2{font:500 clamp(26px,2.6vw,32px)/1.2 var(--serif);margin:46px 0 14px;color:var(--ink)}
.prose h2:first-child{margin-top:0}
.prose h3{font:600 18px/1.35 var(--sans);margin:28px 0 10px;color:var(--ink)}
.prose ul,.prose ol{padding-left:22px;margin:0 0 1.2em}
.prose li{margin:6px 0}
.prose li::marker{color:var(--green)}
.prose strong{color:var(--ink)}
.prose a{color:var(--green);font-weight:500}
.table-wrap{overflow-x:auto;margin:22px 0 26px;border:1px solid var(--line)}
.prose table,.table-wrap table,.paper table{width:100%;border-collapse:collapse;font-size:15px;line-height:1.5}
.prose th,.table-wrap th,.paper th{background:var(--stone);color:var(--ink);text-align:left;font-weight:600;padding:12px 14px;border-bottom:1px solid var(--line)}
.prose td,.table-wrap td,.paper td{padding:11px 14px;border-bottom:1px solid var(--line-soft);vertical-align:top}
.num{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}
th.num{text-align:right}
.example,.note,.disclaimer{margin:24px 0;padding:18px 22px;font-size:15.5px;line-height:1.65}
.example{background:var(--stone);border-left:3px solid var(--green)}
.note{background:var(--gold-soft);border-left:3px solid var(--gold)}
.disclaimer{border:1px solid var(--line);color:var(--muted);font-size:14px}
.checklist{background:var(--stone);padding:20px 24px;margin:22px 0}
.checklist h3{margin-top:0}
.checklist ul{list-style:none;padding:0;margin:0}
.checklist li{position:relative;padding-left:28px}
.checklist li::before{content:"";position:absolute;left:2px;top:9px;width:11px;height:6px;border-left:2px solid var(--green);border-bottom:2px solid var(--green);transform:rotate(-45deg)}
.steps{display:grid;gap:14px;margin:22px 0}
.step{display:flex;gap:16px;padding:16px 18px;border:1px solid var(--line)}
.step .num{font:400 26px/1 var(--serif);color:var(--green);text-align:left;min-width:28px}
.step strong{display:block;color:var(--ink)}
.step span{display:block;font-size:15.5px}
.faq h3{font:500 20px/1.35 var(--serif)}
.cta.inline{background:var(--green-900);color:rgba(255,255,255,.85);padding:26px 28px;margin:28px 0}
.cta.inline h3{color:#fff;font:400 24px/1.25 var(--serif);margin:0 0 8px}
.cta.inline a{display:inline-flex;margin-top:8px;background:var(--gold);color:var(--ink);padding:11px 18px;font-weight:600;text-decoration:none}
.tool-link{display:flex;gap:16px;align-items:center;margin:24px 0;padding:18px 20px;border:1px solid var(--green);text-decoration:none;color:var(--body)}
.tool-link .icon{width:40px;height:40px;flex:none;background:var(--green);-webkit-mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M7 2h10a2 2 0 0 1 2 2v16a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2V4a2 2 0 0 1 2-2zm1 3v4h8V5H8zm0 7v2h2v-2H8zm4 0v2h2v-2h-2zm4 0v6h2v-6h-2zm-8 4v2h2v-2H8zm4 0v2h2v-2h-2z'/%3E%3C/svg%3E") center/26px no-repeat;mask:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M7 2h10a2 2 0 0 1 2 2v16a2 2 0 0 1-2 2H7a2 2 0 0 1-2-2V4a2 2 0 0 1 2-2zm1 3v4h8V5H8zm0 7v2h2v-2H8zm4 0v2h2v-2h-2zm4 0v6h2v-6h-2zm-8 4v2h2v-2H8zm4 0v2h2v-2h-2z'/%3E%3C/svg%3E") center/26px no-repeat}
.tool-link .txt strong{display:block;color:var(--ink)}
.tool-link .txt span{display:block;font-size:15px;color:var(--muted)}
.tool-link:hover{background:var(--stone)}
.author-box{display:flex;gap:14px;align-items:center;margin-top:30px;padding-top:22px;border-top:1px solid var(--line)}
.author-box img{width:56px;height:56px;border-radius:50%;object-fit:cover}
.author-box strong{display:block;color:var(--ink)}
.author-box span{font-size:14px;color:var(--muted)}
.aside{position:sticky;top:104px;display:grid;gap:20px}
.card{border:1px solid var(--line);padding:22px;background:#fff}
.card h2{font:600 12px/1.4 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:12px}
.toc ol{list-style:none;margin:0;padding:0}
.toc li{border-top:1px solid var(--line-soft)}
.toc a{display:block;padding:9px 0;font-size:14.5px;line-height:1.4;color:var(--body);text-decoration:none}
.toc a:hover,.toc a.on{color:var(--green);font-weight:600}
.spot{background:var(--green-900);border-color:var(--green-900);color:rgba(255,255,255,.85)}
.spot h2{font:400 22px/1.25 var(--serif);letter-spacing:0;text-transform:none;color:#fff}
.spot p{font-size:15px}
.spot .btn{width:100%}
.paper{background:#fff}

/* Legal / plain pages */
.page-body{padding:clamp(36px,4vw,56px) 0}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:56px;align-items:start}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}}
.lines .line{display:flex;justify-content:space-between;gap:16px;align-items:center;padding:18px 0;border-top:1px solid var(--line)}
.lines .line:last-child{border-bottom:1px solid var(--line)}
.lines .l{font:600 11.5px/1.4 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink)}
.lines .v{font:400 22px/1.35 var(--serif);color:var(--ink)}
.lines .v a{color:var(--ink);text-decoration:none}
.lines .who{font-size:14px;color:var(--muted)}
.copy{border:1px solid var(--line);background:#fff;padding:8px 14px;font-size:13px;font-weight:600;color:var(--green);border-radius:2px;white-space:nowrap}
.copy:hover{border-color:var(--green)}
.form{display:grid;grid-template-columns:1fr 1fr;gap:18px;background:var(--stone);padding:32px}
.form .full{grid-column:1/-1}
@media (max-width:600px){.form{grid-template-columns:1fr;padding:22px}}
.f label{display:block;font-weight:600;font-size:14px;color:var(--ink);margin-bottom:6px}
.f label i{color:var(--gold-ink);font-style:normal}
.f input,.f select,.f textarea{width:100%;min-height:48px;padding:12px 14px;border:1px solid #C9C5C0;background:#fff;font:400 16px/1.4 var(--sans);color:var(--ink);border-radius:2px}
.f textarea{min-height:140px;resize:vertical}
.f input:focus,.f select:focus,.f textarea:focus{outline:2px solid var(--green);outline-offset:0;border-color:var(--green)}
.f.bad input,.f.bad textarea{border-color:#B42318}
.err{display:block;color:#B42318;font-size:13px;margin-top:6px;min-height:0}
.hp{position:absolute;left:-9999px}
.form-foot{display:flex;flex-wrap:wrap;gap:16px;justify-content:space-between;align-items:center}
.form-foot small{color:var(--muted);font-size:13px;max-width:320px}

/* ---------- Calculator ---------- */
.calc-tabs{display:flex;flex-wrap:wrap;gap:0;border-bottom:1px solid var(--line);margin-bottom:28px}
.calc-tabs button{background:none;border:0;padding:14px 20px;font:600 15px/1.2 var(--sans);color:var(--muted);border-bottom:2px solid transparent;margin-bottom:-1px}
.calc-tabs button[aria-selected="true"]{color:var(--green);border-bottom-color:var(--gold)}
.tab-panel h2{font:400 clamp(26px,2.8vw,34px)/1.2 var(--serif);margin-bottom:18px}
.calc-card{border:1px solid var(--line);padding:28px;margin-bottom:22px;background:#fff}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media (max-width:700px){.form-grid{grid-template-columns:1fr}}
.form-grid .full{grid-column:1/-1}
.period-toggle{display:inline-flex;margin-top:10px;border:1px solid var(--line)}
.period-btn{background:#fff;border:0;padding:9px 16px;font-weight:600;font-size:14px;color:var(--muted)}
.period-btn.active{background:var(--green);color:#fff}
.calc-btn{margin-top:22px}
.calc-msg{color:#B42318;font-size:14px;margin:12px 0 0;min-height:0}
.note-dark{margin-top:16px;padding:14px 16px;background:var(--gold-soft);border-left:3px solid var(--gold);font-size:14.5px}
.results{display:none}
.results.show,.results[style*="block"]{display:block}
.result-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-bottom:20px}
@media (max-width:640px){.result-grid{grid-template-columns:1fr}}
.result-box{border:1px solid var(--line);padding:16px 18px;background:var(--stone)}
.result-box.highlight{background:var(--green-900);border-color:var(--green-900)}
.result-label{font:600 11.5px/1.4 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.result-value{font:400 26px/1.25 var(--serif);color:var(--ink);margin-top:6px;font-variant-numeric:tabular-nums}
.result-box.highlight .result-label{color:var(--gold)}
.result-box.highlight .result-value{color:#fff}
.dark-table{overflow-x:auto;border:1px solid var(--line)}
.dark-table table{width:100%;border-collapse:collapse;font-size:15px}
.dark-table th{background:var(--green-900);color:#fff;text-align:left;padding:11px 14px;font-weight:600}
.dark-table td{padding:10px 14px;border-bottom:1px solid var(--line-soft)}
.dark-table .tfoot td{font-weight:700;color:var(--ink);background:var(--stone)}
.small-print{font-size:13px;color:var(--muted);margin-top:14px}
.rate-hint,.hint-p{font-size:13.5px;color:var(--muted);margin-top:6px}
.rate-input-row{display:flex;gap:10px;align-items:center}
.calc-cta{margin-top:30px}