:root {
  --ink: #10283b;
  --ink-deep: #0b1d2c;
  --ink-soft: #17384f;
  --accent: #d8ad63;
  --accent-bright: #e9c77d;
  --paper: #f7f5f0;
  --paper-deep: #efede6;
  --card: #ffffff;
  --text: #152b3b;
  --muted: #60717d;
  --line: rgba(16, 40, 59, 0.13);
  --line-light: rgba(255, 255, 255, 0.15);
  --success: #2e8063;
  --shadow: 0 22px 60px rgba(9, 32, 48, 0.12);
  --radius-lg: 28px;
  --radius-md: 18px;
  --shell: min(1160px, calc(100vw - 40px));
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--paper);
  color: var(--text);
  font-family: "DM Sans", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input {
  font: inherit;
}

button {
  cursor: pointer;
}

.shell {
  width: var(--shell);
  margin-inline: auto;
}

.narrow {
  max-width: 1060px;
}

.section {
  padding: 112px 0;
}

.legal-page {
  background: var(--paper);
}

.legal-hero {
  color: #fff;
  background:
    radial-gradient(circle at 18% 20%, rgba(216, 173, 99, 0.18), transparent 28rem),
    linear-gradient(135deg, var(--ink-deep), var(--ink-soft));
  padding: 148px 0 76px;
}

.legal-hero h1 {
  max-width: 860px;
  margin-bottom: 18px;
}

.legal-hero p:not(.eyebrow) {
  max-width: 720px;
  color: rgba(255, 255, 255, 0.74);
  font-size: 18px;
}

.legal-content {
  padding-top: 72px;
}

.legal-article {
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: #fff;
  box-shadow: var(--shadow);
  padding: clamp(24px, 5vw, 54px);
}

.legal-article h2 {
  margin: 34px 0 10px;
  color: var(--ink);
  font-size: clamp(22px, 3vw, 30px);
  letter-spacing: -0.04em;
}

.legal-article h2:first-child {
  margin-top: 0;
}

.legal-article p {
  margin: 0;
  color: var(--muted);
}

.legal-article a {
  color: var(--ink);
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.site-header {
  position: absolute;
  inset: 0 0 auto;
  z-index: 10;
  color: #fff;
}

.header-inner {
  display: flex;
  min-height: 82px;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.13);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: #fff;
  font-family: "Manrope", Arial, sans-serif;
  font-size: 18px;
  font-weight: 800;
  letter-spacing: -0.03em;
}

.brand-mark {
  display: grid;
  width: 27px;
  height: 27px;
  place-items: center;
  border: 1px solid rgba(216, 173, 99, 0.75);
  border-radius: 50%;
}

.brand-mark span {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  background: var(--accent);
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 30px;
  margin-left: auto;
}

.main-nav a {
  color: rgba(255, 255, 255, 0.7);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.03em;
  transition: color 160ms ease;
}

.main-nav a:hover {
  color: #fff;
}

.button {
  display: inline-flex;
  min-height: 52px;
  align-items: center;
  justify-content: center;
  gap: 12px;
  border: 0;
  border-radius: 999px;
  padding: 0 24px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: -0.01em;
  transition:
    transform 160ms ease,
    background-color 160ms ease,
    box-shadow 160ms ease;
}

.button:hover {
  transform: translateY(-2px);
}

.button-small {
  min-height: 42px;
  padding-inline: 18px;
  font-size: 13px;
}

.button-ghost {
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.06);
  color: #fff;
}

.button-ghost:hover {
  background: rgba(255, 255, 255, 0.12);
}

.button-accent {
  background: var(--accent);
  box-shadow: 0 9px 22px rgba(216, 173, 99, 0.2);
  color: var(--ink-deep);
}

.button-accent:hover {
  background: var(--accent-bright);
  box-shadow: 0 13px 26px rgba(216, 173, 99, 0.25);
}

.button-primary {
  background: var(--ink);
  color: #fff;
}

.button-primary:hover {
  background: var(--ink-soft);
}

.button-wide {
  width: 100%;
}

.hero {
  position: relative;
  overflow: hidden;
  min-height: 850px;
  background: var(--ink);
  color: #fff;
}

.hero::before {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(125deg, rgba(255, 255, 255, 0.03), transparent 40%),
    repeating-linear-gradient(
      90deg,
      transparent 0,
      transparent calc(20% - 1px),
      rgba(255, 255, 255, 0.03) 20%
    );
  content: "";
}

.hero-glow {
  position: absolute;
  border-radius: 50%;
  filter: blur(3px);
  pointer-events: none;
}

.hero-glow-one {
  top: 70px;
  right: -230px;
  width: 660px;
  height: 660px;
  border: 1px solid rgba(216, 173, 99, 0.11);
  box-shadow:
    0 0 0 90px rgba(216, 173, 99, 0.025),
    0 0 0 180px rgba(216, 173, 99, 0.018);
}

.hero-glow-two {
  bottom: -350px;
  left: -240px;
  width: 570px;
  height: 570px;
  background: rgba(216, 173, 99, 0.055);
}

.hero-grid {
  position: relative;
  display: grid;
  min-height: 780px;
  align-items: center;
  gap: 84px;
  grid-template-columns: 1fr 0.9fr;
  padding: 150px 0 92px;
}

.hero-grid > * {
  min-width: 0;
}

.eyebrow {
  margin: 0 0 18px;
  color: var(--success);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.18em;
  line-height: 1.3;
  text-transform: uppercase;
}

.eyebrow-light {
  display: flex;
  align-items: center;
  gap: 9px;
  color: var(--accent);
}

.eyebrow-dot {
  display: block;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: currentColor;
  box-shadow: 0 0 0 5px rgba(216, 173, 99, 0.12);
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1,
h2,
h3 {
  font-family: "Manrope", Arial, sans-serif;
  letter-spacing: -0.06em;
}

h1 {
  max-width: 650px;
  margin-bottom: 25px;
  font-size: clamp(54px, 6.2vw, 82px);
  font-weight: 800;
  line-height: 0.99;
}

h1 span {
  color: var(--accent);
}

h2 {
  margin-bottom: 19px;
  font-size: clamp(34px, 4vw, 52px);
  font-weight: 800;
  line-height: 1.07;
}

h3 {
  font-size: 20px;
  font-weight: 800;
  line-height: 1.2;
}

.hero-lead {
  max-width: 630px;
  margin-bottom: 33px;
  color: rgba(255, 255, 255, 0.72);
  font-size: 18px;
  line-height: 1.7;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 18px;
}

.microcopy {
  color: rgba(255, 255, 255, 0.46);
  font-size: 12px;
  font-weight: 600;
}

.hero-checks,
.calculator-points,
.contact-copy ul {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin: 28px 0 0;
  padding: 0;
  list-style: none;
}

.hero-checks li {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.68);
  font-size: 13px;
  font-weight: 600;
}

.hero-conditions {
  margin: 11px 0 0;
  color: rgba(255, 255, 255, 0.42);
  font-size: 10px;
  font-weight: 600;
}

.check {
  display: grid;
  width: 19px;
  height: 19px;
  place-items: center;
  border-radius: 50%;
  background: rgba(216, 173, 99, 0.15);
  color: var(--accent);
  font-size: 11px;
}

.allocation-card {
  position: relative;
  width: 100%;
  min-width: 0;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.06);
  box-shadow: 0 34px 85px rgba(0, 0, 0, 0.18);
  padding: 29px;
  backdrop-filter: blur(14px);
}

.allocation-card::after {
  position: absolute;
  top: -80px;
  right: -80px;
  width: 190px;
  height: 190px;
  border-radius: 50%;
  background: rgba(216, 173, 99, 0.1);
  content: "";
  filter: blur(30px);
}

.allocation-card-head,
.allocation-label,
.bar-legend {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.card-kicker {
  margin-bottom: 4px;
  color: rgba(255, 255, 255, 0.42);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.17em;
  text-transform: uppercase;
}

.allocation-card h2 {
  margin-bottom: 0;
  font-size: 25px;
}

.allocation-total {
  color: var(--accent);
  font-family: "Manrope", Arial, sans-serif;
  font-size: 38px;
  font-weight: 800;
  letter-spacing: -0.07em;
}

.allocation-before,
.allocation-after {
  margin-top: 26px;
  border-radius: 16px;
  padding: 17px;
}

.allocation-before {
  border: 1px solid rgba(255, 255, 255, 0.08);
  background: rgba(255, 255, 255, 0.035);
}

.allocation-after {
  border: 1px solid rgba(216, 173, 99, 0.34);
  background: rgba(216, 173, 99, 0.075);
}

.allocation-label {
  margin-bottom: 10px;
  color: rgba(255, 255, 255, 0.65);
  font-size: 12px;
  font-weight: 700;
}

.allocation-label strong {
  color: #fff;
  font-family: "Manrope", Arial, sans-serif;
  font-size: 18px;
}

.bar-track {
  display: flex;
  overflow: hidden;
  height: 13px;
  border-radius: 99px;
  background: rgba(255, 255, 255, 0.08);
}

.bar {
  display: block;
  height: 100%;
}

.bar-full {
  width: 100%;
  background: rgba(255, 255, 255, 0.37);
}

.bar-shared {
  width: 77.42%;
  background: rgba(255, 255, 255, 0.47);
}

.bar-personal {
  width: 22.58%;
  background: var(--accent);
}

.allocation-before p {
  margin: 9px 0 0;
  color: rgba(255, 255, 255, 0.37);
  font-size: 11px;
}

.bar-legend {
  margin-top: 11px;
  color: rgba(255, 255, 255, 0.49);
  font-size: 10px;
  font-weight: 600;
}

.bar-legend span {
  display: flex;
  align-items: center;
  gap: 6px;
}

.bar-legend i {
  width: 7px;
  height: 7px;
  border-radius: 50%;
}

.legend-shared {
  background: rgba(255, 255, 255, 0.47);
}

.legend-personal {
  background: var(--accent);
}

.allocation-note {
  display: flex;
  align-items: center;
  gap: 11px;
  margin-top: 20px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 19px;
}

.allocation-note p {
  margin: 0;
  color: rgba(255, 255, 255, 0.54);
  font-size: 11px;
  line-height: 1.55;
}

.note-icon {
  display: grid;
  width: 22px;
  height: 22px;
  flex: 0 0 auto;
  place-items: center;
  border: 1px solid rgba(216, 173, 99, 0.58);
  border-radius: 50%;
  color: var(--accent);
  font-size: 11px;
  font-weight: 800;
}

.hero-bottom {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 24px 0;
}

.hero-bottom p {
  margin: 0;
  color: rgba(255, 255, 255, 0.43);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero-bottom div {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--accent);
  opacity: 0.66;
}

.section-heading {
  max-width: 740px;
  margin-bottom: 48px;
}

.centered {
  margin-right: auto;
  margin-left: auto;
  text-align: center;
}

.section-heading p:not(.eyebrow),
.calculator-copy > p:not(.eyebrow),
.decision-copy > p:not(.eyebrow),
.faq-copy > p:not(.eyebrow),
.contact-copy > p:not(.eyebrow) {
  color: var(--muted);
  font-size: 17px;
  line-height: 1.72;
}

.intro-grid,
.benefit-grid {
  display: grid;
  gap: 15px;
  grid-template-columns: repeat(3, 1fr);
}

.simple-card {
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.6);
  padding: 27px;
}

.step-number {
  display: block;
  margin-bottom: 32px;
  color: var(--accent);
  font-family: "Manrope", Arial, sans-serif;
  font-size: 13px;
  font-weight: 800;
}

.simple-card h3 {
  margin-bottom: 10px;
}

.simple-card p,
.benefit-card p {
  margin-bottom: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.72;
}

.calculator-section {
  position: relative;
  overflow: hidden;
  background: var(--ink);
  color: #fff;
}

.calculator-section::before {
  position: absolute;
  top: -180px;
  left: -210px;
  width: 550px;
  height: 550px;
  border: 1px solid rgba(216, 173, 99, 0.12);
  border-radius: 50%;
  box-shadow: 0 0 0 90px rgba(216, 173, 99, 0.025);
  content: "";
}

.calculator-grid,
.decision-grid,
.faq-grid,
.contact-grid {
  position: relative;
  display: grid;
  align-items: center;
  gap: 80px;
  grid-template-columns: 0.9fr 1.1fr;
}

.calculator-copy h2,
.contact-copy h2 {
  color: #fff;
}

.calculator-copy > p:not(.eyebrow),
.contact-copy > p:not(.eyebrow) {
  color: rgba(255, 255, 255, 0.62);
}

.calculator-points,
.contact-copy ul {
  display: grid;
  gap: 10px;
}

.calculator-points li,
.contact-copy li {
  display: flex;
  align-items: center;
  gap: 9px;
  color: rgba(255, 255, 255, 0.62);
  font-size: 13px;
}

.calculator-points span,
.contact-copy li span {
  color: var(--accent);
  font-size: 12px;
  font-weight: 800;
}

.calculator-card,
.contact-card {
  border-radius: var(--radius-lg);
  background: var(--card);
  box-shadow: var(--shadow);
  color: var(--text);
  padding: 30px;
}

.field-grid {
  display: grid;
  gap: 16px;
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.field {
  display: block;
}

.field > span {
  display: block;
  margin-bottom: 7px;
  color: var(--text);
  font-size: 12px;
  font-weight: 700;
}

.field span small {
  color: var(--muted);
  font-weight: 500;
}

.input-wrap {
  position: relative;
}

.field input {
  width: 100%;
  height: 52px;
  outline: 0;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: #fff;
  padding: 0 14px;
  color: var(--ink);
  font-size: 15px;
  transition:
    border-color 160ms ease,
    box-shadow 160ms ease;
}

.field input:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 4px rgba(216, 173, 99, 0.15);
}

.input-wrap input {
  padding-right: 45px;
}

.input-wrap small {
  position: absolute;
  top: 50%;
  right: 14px;
  color: var(--muted);
  font-size: 12px;
  font-weight: 700;
  transform: translateY(-50%);
}

.field em {
  display: block;
  margin: 6px 0 0;
  color: var(--muted);
  font-size: 10px;
  font-style: normal;
}

.calculator-card .button {
  margin-top: 20px;
}

.result-panel {
  margin-top: 15px;
  border-radius: 17px;
  background: var(--paper);
  padding: 20px;
}

.result-panel p {
  margin-bottom: 5px;
  color: var(--muted);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.result-panel > strong {
  display: block;
  color: var(--ink);
  font-family: "Manrope", Arial, sans-serif;
  font-size: clamp(32px, 4vw, 43px);
  font-weight: 800;
  letter-spacing: -0.07em;
}

.result-details {
  display: grid;
  gap: 12px;
  margin-top: 15px;
  border-top: 1px solid var(--line);
  padding-top: 14px;
  grid-template-columns: repeat(2, 1fr);
}

.result-details div {
  display: grid;
  gap: 1px;
}

.result-details span {
  color: var(--muted);
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.result-details b {
  color: var(--ink);
  font-size: 15px;
}

.calculator-disclaimer {
  margin: 14px 0 0;
}

.legal-details {
  border: 1px solid rgba(16, 40, 59, 0.1);
  border-radius: 16px;
  background: rgba(247, 243, 234, 0.72);
  padding: 13px 14px;
  color: var(--muted);
  font-size: 11px;
  line-height: 1.58;
}

.legal-details summary {
  cursor: pointer;
  color: var(--ink);
  font-family: "Manrope", Arial, sans-serif;
  font-size: 12px;
  font-weight: 800;
}

.legal-details p {
  margin: 9px 0 0;
}

.caution-section {
  background:
    radial-gradient(circle at 15% 25%, rgba(216, 173, 99, 0.12), transparent 22rem),
    var(--paper);
}

.caution-section .section-heading {
  max-width: 820px;
  margin-bottom: 0;
}

.caution-section .section-heading p + p {
  margin-top: 14px;
}

.benefits {
  background: #fff;
}

.benefit-card {
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 27px;
  transition:
    border-color 180ms ease,
    transform 180ms ease,
    box-shadow 180ms ease;
}

.benefit-card:hover {
  border-color: rgba(216, 173, 99, 0.7);
  box-shadow: 0 18px 38px rgba(9, 32, 48, 0.08);
  transform: translateY(-5px);
}

.line-icon {
  display: grid;
  width: 47px;
  height: 47px;
  margin-bottom: 29px;
  place-items: center;
  border-radius: 50%;
  background: rgba(216, 173, 99, 0.14);
  color: #a6782e;
}

.line-icon svg {
  width: 22px;
  height: 22px;
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.7;
}

.benefit-card h3 {
  margin-bottom: 9px;
}

.decision {
  background: var(--paper-deep);
}

.decision-grid {
  grid-template-columns: 0.95fr 1.05fr;
}

.decision-copy p:not(.eyebrow) {
  max-width: 560px;
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 10px;
  color: var(--ink);
  font-size: 14px;
  font-weight: 800;
}

.text-link:hover {
  color: #a6782e;
}

.decision-list {
  display: grid;
  border-top: 1px solid var(--line);
}

.decision-list div {
  display: flex;
  align-items: center;
  gap: 20px;
  border-bottom: 1px solid var(--line);
  padding: 21px 0;
}

.decision-list span {
  display: grid;
  width: 39px;
  height: 39px;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 50%;
  background: #fff;
  color: #a6782e;
  font-family: "Manrope", Arial, sans-serif;
  font-size: 13px;
  font-weight: 800;
}

.decision-list p {
  margin: 0;
  color: var(--muted);
  font-size: 15px;
}

.decision-list strong {
  color: var(--text);
}

.faq-section {
  background: #fff;
}

.faq-grid {
  align-items: start;
  gap: 90px;
  grid-template-columns: 0.8fr 1.2fr;
}

.faq-copy {
  position: sticky;
  top: 40px;
}

.faq-list {
  border-top: 1px solid var(--line);
}

.faq-list details {
  border-bottom: 1px solid var(--line);
}

.faq-list summary {
  position: relative;
  cursor: pointer;
  list-style: none;
  padding: 22px 42px 22px 0;
  color: var(--text);
  font-family: "Manrope", Arial, sans-serif;
  font-size: 16px;
  font-weight: 800;
  letter-spacing: -0.03em;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list summary span::before,
.faq-list summary span::after {
  position: absolute;
  top: 32px;
  right: 2px;
  width: 15px;
  height: 1.5px;
  background: var(--accent);
  content: "";
  transition: transform 160ms ease;
}

.faq-list summary span::after {
  transform: rotate(90deg);
}

.faq-list details[open] summary span::after {
  transform: rotate(0);
}

.faq-list details p {
  margin: -4px 0 22px;
  padding-right: 35px;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.7;
}

.contact-section {
  position: relative;
  overflow: hidden;
  background: var(--ink);
}

.contact-section::after {
  position: absolute;
  right: -250px;
  bottom: -280px;
  width: 600px;
  height: 600px;
  border: 1px solid rgba(216, 173, 99, 0.11);
  border-radius: 50%;
  box-shadow: 0 0 0 100px rgba(216, 173, 99, 0.025);
  content: "";
}

.contact-grid {
  z-index: 1;
  grid-template-columns: 0.86fr 1.14fr;
}

.contact-card {
  position: relative;
  z-index: 1;
}

.contact-card-head {
  margin-bottom: 21px;
}

.contact-card-head h3 {
  margin-bottom: 4px;
  font-size: 23px;
}

.contact-card-head p,
.form-note,
.form-disclosure {
  margin: 0;
  color: var(--muted);
  font-size: 12px;
}

.contact-card .field,
.contact-card .field-grid {
  margin-bottom: 14px;
}

.consent {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin: 4px 0 16px;
  color: var(--muted);
  cursor: pointer;
  font-size: 11px;
  line-height: 1.55;
}

.form-disclosure {
  border: 1px solid rgba(216, 173, 99, 0.28);
  border-radius: 16px;
  background: rgba(216, 173, 99, 0.09);
  margin: 3px 0 14px;
  padding: 12px 13px;
  line-height: 1.58;
}

.consent a {
  color: var(--ink);
  font-weight: 800;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.consent input {
  width: 16px;
  height: 16px;
  flex: 0 0 auto;
  margin-top: 1px;
  accent-color: var(--ink);
}

.form-note {
  margin-top: 10px;
  text-align: center;
}

.form-success {
  margin: 14px 0 0;
  border-radius: 10px;
  background: rgba(46, 128, 99, 0.1);
  padding: 11px;
  color: var(--success);
  font-size: 12px;
  font-weight: 700;
  line-height: 1.5;
}

.form-success a {
  color: inherit;
  text-decoration: underline;
}

.form-error {
  margin: 14px 0 0;
  border-radius: 10px;
  background: rgba(178, 70, 60, 0.1);
  padding: 11px;
  color: #a33f36;
  font-size: 12px;
  font-weight: 700;
  line-height: 1.5;
}

.form-error a {
  text-decoration: underline;
}

.honeypot {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  clip-path: inset(50%);
  white-space: nowrap;
}

.site-footer {
  background: var(--ink-deep);
  color: rgba(255, 255, 255, 0.46);
}

.footer-grid {
  display: grid;
  gap: 22px;
  padding: 34px 0 38px;
  grid-template-columns: minmax(210px, 0.9fr) minmax(280px, 1.5fr) minmax(220px, 0.8fr);
  align-items: start;
}

.footer-grid p,
.footer-grid a,
.footer-grid summary {
  margin: 0;
  font-size: 12px;
}

.footer-grid a {
  color: rgba(255, 255, 255, 0.74);
  text-decoration: none;
}

.footer-grid a:hover {
  color: #fff;
}

.footer-brand-block {
  display: grid;
  gap: 11px;
}

.footer-disclosures {
  display: grid;
  gap: 9px;
}

.operator-details {
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.04);
}

.operator-details summary {
  cursor: pointer;
  padding: 13px 14px;
  color: rgba(255, 255, 255, 0.82);
  font-weight: 800;
}

.operator-details-body {
  display: grid;
  gap: 10px;
  padding: 0 14px 14px;
}

.operator-details-body p {
  line-height: 1.65;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 9px;
  justify-content: flex-end;
}

.footer-links a {
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 999px;
  padding: 8px 11px;
  background: rgba(255, 255, 255, 0.04);
  font-weight: 700;
}

.footer-copy {
  grid-column: 1 / -1;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 18px;
  text-align: right;
}

.brand-footer {
  font-size: 16px;
}

.brand-footer .brand-mark {
  width: 23px;
  height: 23px;
}

.brand-footer .brand-mark span {
  width: 7px;
  height: 7px;
}

.cookie-banner {
  position: fixed;
  right: 18px;
  bottom: 18px;
  z-index: 30;
  display: flex;
  max-width: min(440px, calc(100vw - 36px));
  align-items: center;
  gap: 14px;
  border: 1px solid rgba(16, 40, 59, 0.12);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: var(--shadow-soft);
  padding: 14px;
  color: var(--ink);
}

.cookie-banner[hidden] {
  display: none;
}

.cookie-banner p {
  margin: 0;
  color: var(--muted);
  font-size: 12px;
  line-height: 1.45;
}

.cookie-banner .button {
  min-height: 42px;
  flex: 0 0 auto;
  padding: 0 18px;
  font-size: 12px;
}

.mobile-cta {
  display: none;
}

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition:
    opacity 620ms ease,
    transform 620ms ease;
}

.reveal-delay-short {
  transition-delay: 80ms;
}

.reveal-delay {
  transition-delay: 150ms;
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}

@media (max-width: 880px) {
  .section {
    padding: 82px 0;
  }

  .main-nav {
    display: none;
  }

  .hero {
    min-height: auto;
  }

  .hero-grid {
    min-height: auto;
    gap: 42px;
    grid-template-columns: 1fr;
    padding: 144px 0 63px;
  }

  .hero-lead {
    max-width: 680px;
  }

  .allocation-card {
    max-width: 620px;
  }

  .hero-bottom p {
    font-size: 9px;
  }

  .calculator-grid,
  .decision-grid,
  .faq-grid,
  .contact-grid {
    gap: 42px;
    grid-template-columns: 1fr;
  }

  .faq-copy {
    position: static;
  }
}

@media (max-width: 620px) {
  :root {
    --shell: min(560px, calc(100vw - 30px));
  }

  body {
    padding-bottom: 70px;
  }

  .section {
    padding: 68px 0;
  }

  .header-inner {
    min-height: 70px;
  }

  .site-header .button {
    display: none;
  }

  .hero-grid {
    gap: 36px;
    padding: 122px 0 49px;
  }

  h1 {
    margin-bottom: 19px;
    font-size: clamp(45px, 13vw, 58px);
    letter-spacing: -0.075em;
  }

  h2 {
    font-size: 34px;
  }

  .hero-lead {
    font-size: 16px;
    line-height: 1.65;
  }

  .hero-actions {
    display: grid;
    justify-items: start;
    gap: 11px;
  }

  .button {
    min-height: 50px;
  }

  .hero-checks {
    display: grid;
    gap: 9px;
  }

  .allocation-card {
    border-radius: 22px;
    padding: 20px;
  }

  .allocation-card h2 {
    font-size: 21px;
  }

  .allocation-total {
    font-size: 32px;
  }

  .bar-legend {
    display: grid;
    gap: 5px;
    justify-content: initial;
  }

  .hero-bottom {
    display: grid;
    gap: 9px;
    padding: 17px 0;
  }

  .hero-bottom div {
    display: none;
  }

  .hero-bottom p {
    font-size: 8px;
  }

  .section-heading {
    margin-bottom: 34px;
    text-align: left;
  }

  .intro-grid,
  .benefit-grid,
  .field-grid,
  .result-details {
    grid-template-columns: 1fr;
  }

  .step-number {
    margin-bottom: 20px;
  }

  .simple-card,
  .benefit-card {
    padding: 22px;
  }

  .line-icon {
    margin-bottom: 22px;
  }

  .calculator-grid,
  .decision-grid,
  .faq-grid,
  .contact-grid {
    gap: 28px;
  }

  .calculator-card,
  .contact-card {
    border-radius: 22px;
    padding: 20px;
  }

  .result-details {
    gap: 8px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 16px;
    padding: 28px 0 92px;
  }

  .footer-links {
    justify-content: flex-start;
  }

  .footer-copy {
    text-align: left;
  }

  .cookie-banner {
    right: 12px;
    bottom: 72px;
    left: 12px;
    max-width: none;
    align-items: stretch;
  }

  .mobile-cta {
    position: fixed;
    right: 12px;
    bottom: 11px;
    left: 12px;
    z-index: 20;
    display: flex;
    min-height: 50px;
    align-items: center;
    justify-content: center;
    gap: 12px;
    border-radius: 999px;
    background: var(--accent);
    box-shadow: 0 9px 24px rgba(9, 32, 48, 0.24);
    color: var(--ink-deep);
    font-size: 14px;
    font-weight: 800;
  }
}