:root {
  --green-950: #001d1d;
  --green-900: #00262a;
  --green-800: #00312c;
  --green-700: #0c463d;
  --gold: #bc9a67;
  --gold-bright: #d6b77d;
  --ivory: #f8f5ef;
  --paper: #fffdf9;
  --ink: #12302b;
  --muted: #60716d;
  --line: rgba(188, 154, 103, .35);
  --shadow: 0 24px 70px rgba(0, 38, 42, .14);
  --serif: "Playfair Display", Georgia, serif;
  --sans: "DM Sans", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
button, input, select { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }

.skip-link {
  position: fixed;
  top: -100px;
  left: 16px;
  z-index: 1000;
  background: var(--gold);
  color: var(--green-950);
  padding: 10px 14px;
  border-radius: 6px;
}
.skip-link:focus { top: 16px; }

.shell { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }
.section { padding: 110px 0; }
.eyebrow {
  margin: 0 0 18px;
  color: var(--gold-bright);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
}
.eyebrow.dark { color: #95713e; }
h1, h2, h3 { font-family: var(--serif); margin-top: 0; line-height: 1.08; }
h1 { font-size: clamp(3.1rem, 7vw, 6.35rem); letter-spacing: -.045em; }
h2 { font-size: clamp(2.2rem, 4.6vw, 4rem); letter-spacing: -.035em; }
h3 { font-size: 1.45rem; }
p { margin-top: 0; }
.section-heading p:not(.eyebrow) { color: var(--muted); max-width: 670px; }
.section-heading.narrow { max-width: 790px; }
.section-heading.centered { text-align: center; margin: 0 auto 60px; max-width: 760px; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(0, 38, 42, .94);
  border-bottom: 1px solid rgba(188, 154, 103, .22);
  backdrop-filter: blur(12px);
}
.header-inner { min-height: 78px; display: flex; align-items: center; gap: 36px; }
.brand { margin-right: auto; }
.brand img { width: 188px; height: 60px; object-fit: contain; }
.desktop-nav { display: flex; align-items: center; gap: 26px; }
.desktop-nav a { color: rgba(255,255,255,.78); text-decoration: none; font-size: .9rem; }
.desktop-nav a:hover { color: var(--gold-bright); }

.button {
  min-height: 52px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 24px;
  border: 1px solid transparent;
  border-radius: 4px;
  text-decoration: none;
  font-weight: 700;
  line-height: 1.2;
  cursor: pointer;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}
.button:hover { transform: translateY(-2px); }
.button:focus-visible, .text-link:focus-visible, summary:focus-visible, input:focus-visible, select:focus-visible, .inline-button:focus-visible {
  outline: 3px solid rgba(214, 183, 125, .8);
  outline-offset: 3px;
}
.button-small { min-height: 44px; padding: 10px 18px; font-size: .88rem; }
.button-gold { background: linear-gradient(135deg, var(--gold-bright), #ab8147); color: var(--green-950); box-shadow: 0 12px 28px rgba(188, 154, 103, .22); }
.button-dark { background: var(--green-900); color: #fff; }
.button-outline { border-color: var(--green-800); color: var(--green-800); }
.button-full { width: 100%; border: 0; }
.text-link { color: var(--gold-bright); text-decoration: none; font-weight: 700; }
.text-link.light { color: #ead2a7; }

.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 73% 30%, rgba(188,154,103,.12), transparent 22%),
    linear-gradient(126deg, #001c1e 0%, #00312c 58%, #00262a 100%);
  color: white;
  padding: 98px 0 110px;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  opacity: .22;
  background-image: url("assets/luxury-marble.webp");
  background-size: cover;
  mix-blend-mode: soft-light;
}
.hero-glow {
  position: absolute;
  width: 540px;
  height: 540px;
  right: -220px;
  top: 60px;
  border: 1px solid rgba(214,183,125,.26);
  border-radius: 50%;
  box-shadow: 0 0 0 86px rgba(214,183,125,.03), 0 0 0 172px rgba(214,183,125,.025);
}
.hero-grid { position: relative; display: grid; grid-template-columns: 1.2fr .8fr; gap: 80px; align-items: center; }
.hero-copy h1 { max-width: 760px; margin-bottom: 28px; }
.hero-copy h1 em { color: var(--gold-bright); font-weight: 500; }
.hero-lead { max-width: 680px; font-size: clamp(1.15rem, 2vw, 1.4rem); line-height: 1.5; color: rgba(255,255,255,.92); }
.hero-support { max-width: 630px; color: rgba(255,255,255,.66); }
.hero-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 24px; margin: 34px 0; }
.trust-list { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: 16px 28px; color: rgba(255,255,255,.72); font-size: .88rem; }
.trust-list span { color: var(--gold-bright); margin-right: 6px; }

.strategy-card {
  position: relative;
  padding: 34px;
  border: 1px solid rgba(214,183,125,.42);
  background: linear-gradient(155deg, rgba(255,255,255,.1), rgba(255,255,255,.035));
  box-shadow: 0 32px 80px rgba(0,0,0,.2);
  backdrop-filter: blur(8px);
}
.card-kicker { color: var(--gold-bright); font-weight: 700; font-size: .78rem; letter-spacing: .13em; text-transform: uppercase; }
.strategy-ring {
  width: 168px;
  height: 168px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  margin: 30px auto;
  border-radius: 50%;
  border: 1px solid var(--gold-bright);
  box-shadow: inset 0 0 0 12px rgba(188,154,103,.08), 0 0 36px rgba(188,154,103,.13);
}
.strategy-ring span { font-family: var(--serif); font-size: 3.6rem; line-height: 1; color: var(--gold-bright); }
.strategy-ring small { margin-top: 7px; color: rgba(255,255,255,.6); }
.strategy-points { display: grid; gap: 4px; }
.strategy-points > div { display: grid; grid-template-columns: 42px 1fr; gap: 14px; border-top: 1px solid rgba(255,255,255,.12); padding: 16px 0; }
.point-number { color: var(--gold-bright); font-family: var(--serif); }
.strategy-points p { margin: 0; color: rgba(255,255,255,.65); font-size: .9rem; line-height: 1.45; }
.strategy-points strong { display: block; color: white; }
.issuer-note { margin: 20px 0 0; padding-top: 20px; border-top: 1px solid var(--line); color: rgba(255,255,255,.62); font-size: .8rem; text-align: center; }
.issuer-note strong { color: white; }

.intent-strip { background: var(--gold); color: var(--green-950); }
.intent-grid { min-height: 108px; display: grid; grid-template-columns: 1.15fr repeat(3, 1fr); align-items: center; gap: 26px; }
.intent-grid p { margin: 0; font-family: var(--serif); font-size: 1.2rem; }
.intent-grid div { display: flex; gap: 10px; align-items: baseline; font-size: .88rem; font-weight: 700; }
.intent-grid span { font-family: var(--serif); opacity: .58; }

.marble { position: relative; background: var(--paper); overflow: hidden; }
.marble::before { content: ""; position: absolute; inset: 0; background: url("assets/luxury-marble.webp") center/cover; opacity: .12; }
.marble .shell { position: relative; }
.benefit-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 54px; }
.benefit-card { min-height: 285px; padding: 30px; background: rgba(255,255,255,.86); border: 1px solid rgba(188,154,103,.28); box-shadow: 0 18px 50px rgba(0,49,44,.06); }
.benefit-card:nth-child(even) { transform: translateY(22px); }
.icon-box { width: 56px; height: 56px; display: grid; place-items: center; margin-bottom: 30px; border: 1px solid var(--gold); color: #8d6935; font-family: var(--serif); font-size: 1.3rem; }
.icon-box svg { width: 45px; height: 45px; overflow: visible; }
.icon-line svg, .icon-puzzle svg { fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.icon-puzzle .icon-accent { stroke-width: 2.5; }
.icon-puzzle text { fill: currentColor; stroke: none; font: 700 8px var(--sans); letter-spacing: .4px; }
.icon-line text { fill: currentColor; stroke: none; font: 700 20px var(--serif); }
.icon-brand { overflow: hidden; background: var(--green-800); }
.icon-brand img { width: 48px; height: 48px; object-fit: contain; }
.benefit-card p { color: var(--muted); margin-bottom: 0; }

.tax-section { color: white; background: var(--green-900); }
.tax-grid { display: grid; grid-template-columns: .75fr 1.25fr; gap: 80px; align-items: start; }
.tax-grid .section-heading { position: sticky; top: 120px; }
.tax-grid .section-heading p:not(.eyebrow) { color: rgba(255,255,255,.68); }
.tax-options { display: grid; gap: 22px; }
.tax-card { padding: 38px; border: 1px solid rgba(255,255,255,.15); background: rgba(255,255,255,.045); }
.tax-card-featured { border-color: rgba(214,183,125,.7); background: linear-gradient(140deg, rgba(188,154,103,.14), rgba(255,255,255,.045)); }
.tax-label { color: var(--gold-bright); font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; font-weight: 700; }
.tax-card h3 { font-size: 2rem; margin: 12px 0 16px; }
.tax-card p, .tax-card li { color: rgba(255,255,255,.7); }
.tax-card ul { padding-left: 20px; margin-bottom: 0; }
.tax-card li + li { margin-top: 8px; }

.calculator-section { background: #eef2ef; }
.calculator-grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: 80px; align-items: center; }
.calc-assumption { display: grid; gap: 5px; margin-top: 34px; padding: 18px 20px; border-left: 3px solid var(--gold); background: rgba(255,255,255,.6); }
.calc-assumption span { grid-column: 1/-1; color: var(--muted); font-size: .75rem; text-transform: uppercase; letter-spacing: .12em; }
.calc-assumption strong { font-family: inherit; font-size: inherit; color: var(--ink); }
.calc-assumption small { color: var(--muted); font-size: .78rem; line-height: 1.45; }
.calculator-card { padding: 44px; background: white; box-shadow: var(--shadow); border-top: 4px solid var(--gold); }
.calculator-card label, .lead-form label { display: grid; gap: 8px; margin-bottom: 22px; color: var(--ink); font-size: .88rem; font-weight: 700; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
input, select { width: 100%; min-height: 52px; border: 1px solid #cbd4d0; background: #fff; color: var(--ink); border-radius: 3px; padding: 12px 14px; }
.money-input { display: grid; grid-template-columns: auto 1fr auto; align-items: center; border: 1px solid #cbd4d0; padding: 0 14px; }
.money-input:focus-within { outline: 3px solid rgba(214,183,125,.5); outline-offset: 2px; }
.money-input input { border: 0; font-size: 1.4rem; font-weight: 700; }
.money-input input:focus { outline: none; }
.money-input small { color: var(--muted); }
input[type="range"] { min-height: 28px; padding: 0; accent-color: var(--green-800); border: 0; }
.calculator-result { margin: 24px 0; padding: 30px; background: var(--green-900); color: white; text-align: center; }
.calculator-result p { margin: 0; color: rgba(255,255,255,.66); font-size: .85rem; }
.calculator-result strong { display: block; font-family: var(--serif); color: var(--gold-bright); font-size: clamp(2.3rem, 5vw, 4rem); line-height: 1.15; }
.calculator-result span { color: rgba(255,255,255,.62); font-size: .85rem; }
.calculator-result .result-divider { width: 70px; height: 1px; margin: 24px auto 20px; background: rgba(214,183,125,.6); }
.calculator-result .monthly-result { margin-top: 2px; font-size: clamp(1.8rem, 4vw, 2.7rem); }

.process-section { color: white; background: var(--green-950); }
.process-grid { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; counter-reset: steps; }
.process-grid li { position: relative; min-height: 220px; padding: 24px 30px 24px 0; border-top: 1px solid var(--line); }
.process-grid li:not(:last-child)::after { content: ""; position: absolute; top: -3px; right: 20px; width: 7px; height: 7px; border-top: 1px solid var(--gold); border-right: 1px solid var(--gold); transform: rotate(45deg); }
.process-grid span { color: var(--gold-bright); font-family: var(--serif); }
.process-grid h3 { margin: 28px 0 10px; }
.process-grid p { color: rgba(255,255,255,.6); }

.advisor-section { position: relative; overflow: hidden; background: var(--paper); }
.advisor-section::before { content: ""; position: absolute; inset: 0 50% 0 0; background: var(--green-800); }
.advisor-grid { position: relative; display: grid; grid-template-columns: 1fr 1.15fr; gap: 100px; align-items: center; }
.advisor-seal { min-height: 430px; display: flex; flex-direction: column; align-items: center; justify-content: center; border: 1px solid rgba(214,183,125,.46); color: white; }
.advisor-seal img { width: 300px; }
.advisor-seal span { margin-top: 16px; color: rgba(255,255,255,.7); font-family: var(--serif); font-size: 1.2rem; text-align: center; }
.advisor-facts { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 36px; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.advisor-facts div { padding: 18px 12px 18px 0; }
.advisor-facts strong, .advisor-facts span { display: block; }
.advisor-facts span { color: var(--muted); font-size: .8rem; }

.lead-section { color: white; background: linear-gradient(135deg, var(--green-800), var(--green-950)); }
.lead-grid { display: grid; grid-template-columns: .75fr 1.25fr; gap: 90px; align-items: center; }
.lead-copy p { color: rgba(255,255,255,.68); }
.lead-copy ul { padding-left: 20px; color: rgba(255,255,255,.8); }
.lead-form { padding: 42px; background: white; box-shadow: 0 30px 70px rgba(0,0,0,.2); }
.consent-row { display: grid !important; grid-template-columns: 20px 1fr; gap: 12px !important; align-items: start; color: var(--muted) !important; font-weight: 400 !important; line-height: 1.45; }
.consent-row input { min-height: 20px; width: 20px; margin-top: 2px; accent-color: var(--green-800); }
.inline-button { border: 0; padding: 0; background: transparent; color: var(--green-700); text-decoration: underline; cursor: pointer; }
.form-note { margin: 14px 0 0; color: var(--muted); font-size: .76rem; text-align: center; }

.faq-grid { display: grid; grid-template-columns: .72fr 1.28fr; gap: 90px; align-items: start; }
.accordion details { border-top: 1px solid #d8dfdc; }
.accordion details:last-child { border-bottom: 1px solid #d8dfdc; }
.accordion summary { position: relative; padding: 24px 48px 24px 0; list-style: none; cursor: pointer; font-family: var(--serif); font-size: 1.25rem; font-weight: 600; }
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary::after { content: "+"; position: absolute; right: 4px; top: 18px; color: #9b7742; font-family: var(--sans); font-size: 1.6rem; }
.accordion details[open] summary::after { content: "−"; }
.accordion details p { padding-right: 40px; color: var(--muted); }

.site-footer { padding: 64px 0 34px; color: white; background: #001819; }
.footer-top { display: grid; grid-template-columns: 220px 1fr auto; gap: 34px; align-items: center; padding-bottom: 38px; border-bottom: 1px solid rgba(255,255,255,.12); }
.footer-top img { width: 200px; }
.footer-top strong { font-family: var(--serif); color: var(--gold-bright); font-size: 1.2rem; }
.footer-top p { margin: 4px 0 0; color: rgba(255,255,255,.55); }
.footer-contact { display: grid; text-align: right; }
.footer-contact a { color: rgba(255,255,255,.72); text-decoration: none; }
.legal-copy { padding-top: 28px; color: rgba(255,255,255,.46); font-size: .75rem; line-height: 1.55; }
.legal-copy p { max-width: 1050px; }

.floating-actions { position: fixed; right: 20px; bottom: 20px; z-index: 90; display: grid; justify-items: end; gap: 10px; }
.whatsapp-float, .video-float { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 12px 17px; border-radius: 999px; color: white; box-shadow: 0 12px 34px rgba(0,0,0,.23); text-decoration: none; font-weight: 700; }
.whatsapp-float { background: #1f9b62; }
.video-float { background: var(--green-800); border: 1px solid rgba(214,183,125,.7); }
.whatsapp-float span { color: white; }

.privacy-modal { width: min(650px, calc(100% - 32px)); padding: 42px; border: 1px solid var(--gold); color: var(--ink); background: var(--paper); box-shadow: 0 28px 90px rgba(0,0,0,.34); }
.privacy-modal::backdrop { background: rgba(0,29,29,.76); backdrop-filter: blur(5px); }
.privacy-modal h2 { font-size: 2.2rem; }
.privacy-modal p { color: var(--muted); }
.modal-close { position: absolute; right: 16px; top: 12px; border: 0; background: transparent; color: var(--muted); font-size: 1.9rem; cursor: pointer; }

.reveal { opacity: 0; transform: translateY(18px); transition: opacity .65s ease, transform .65s ease; }
.reveal.visible { opacity: 1; transform: none; }

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

@media (max-width: 980px) {
  .desktop-nav { display: none; }
  .hero-grid, .tax-grid, .calculator-grid, .lead-grid, .faq-grid { grid-template-columns: 1fr; gap: 54px; }
  .hero { padding-top: 72px; }
  .strategy-card { max-width: 620px; }
  .intent-grid { grid-template-columns: 1fr 1fr; padding: 26px 0; }
  .benefit-grid { grid-template-columns: 1fr 1fr; }
  .tax-grid .section-heading { position: static; }
  .process-grid { grid-template-columns: 1fr 1fr; }
  .advisor-section::before { inset: 0 0 52% 0; }
  .advisor-grid { grid-template-columns: 1fr; gap: 70px; }
  .advisor-seal { min-height: 390px; }
  .footer-top { grid-template-columns: 190px 1fr; }
  .footer-contact { grid-column: 1/-1; text-align: left; }
}

@media (max-width: 640px) {
  .shell { width: min(100% - 28px, 1160px); }
  .section { padding: 76px 0; }
  .header-inner { min-height: 68px; }
  .brand img { width: 142px; height: 48px; }
  .header-inner .button { padding: 10px 13px; font-size: .78rem; }
  h1 { font-size: clamp(3rem, 15vw, 4.4rem); }
  .hero-grid { gap: 46px; }
  .hero-actions { align-items: stretch; flex-direction: column; }
  .hero-actions .text-link { padding: 8px 0; text-align: center; }
  .trust-list { display: grid; }
  .strategy-card { padding: 26px 22px; }
  .intent-grid { grid-template-columns: 1fr; gap: 12px; padding: 24px 0; }
  .intent-grid p { padding-bottom: 8px; }
  .benefit-grid { grid-template-columns: 1fr; }
  .benefit-card:nth-child(even) { transform: none; }
  .tax-card, .calculator-card, .lead-form { padding: 28px 22px; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .process-grid { grid-template-columns: 1fr; }
  .process-grid li { min-height: 0; padding-bottom: 36px; }
  .process-grid li::after { display: none; }
  .advisor-section::before { inset: 0 0 48% 0; }
  .advisor-seal { min-height: 330px; }
  .advisor-seal img { width: 240px; }
  .advisor-facts { grid-template-columns: 1fr; }
  .advisor-facts div + div { border-top: 1px solid var(--line); }
  .footer-top { grid-template-columns: 1fr; }
  .footer-top img { width: 190px; }
  .floating-actions { left: 14px; right: 14px; bottom: 12px; grid-template-columns: 1fr 1fr; gap: 8px; }
  .whatsapp-float, .video-float { width: 100%; padding: 12px 10px; font-size: .84rem; }
  .site-footer { padding-bottom: 90px; }
  .privacy-modal { padding: 38px 22px 26px; }
}