/* =========================================================
   Silva & Teixeira Advogados — Material Edition
   Wenge wood + aged gold + embossed paper
   ========================================================= */
:root {
  /* Wenge / chocolate browns (extracted from wood backgrounds) */
  --wenge-950: #1A0E08;
  --wenge-900: #241510;
  --wenge-800: #2E1B14;
  --wenge-700: #3A2418;
  --wenge-600: #4A3024;
  --wenge-500: #5C3E2E;
  --wenge-300: #8B6A55;

  /* Aged gold gradient (extracted from monogram) */
  --gold-deep:   #8A6A28;
  --gold-base:   #B8893A;
  --gold:        #C9A24A;
  --gold-bright: #E0C277;
  --gold-pale:   #EFD9A0;

  /* Paper / cream tones (from embossed paper photo) */
  --paper:    #EAE0CF;
  --paper-2:  #DCCFB4;
  --paper-3:  #C9B998;
  --ivory:    #F4ECD8;

  /* Ink */
  --ink-900: #15100A;
  --ink-700: #3A2C20;
  --ink-500: #6B5A48;
  --ink-300: #A89682;

  /* Lines */
  --line-on-dark: rgba(201, 162, 74, 0.18);
  --line-on-light: rgba(58, 36, 24, 0.14);
  --hairline-gold: linear-gradient(90deg, transparent 0%, rgba(201,162,74,0.08) 8%, rgba(201,162,74,0.7) 50%, rgba(201,162,74,0.08) 92%, transparent 100%);

  /* Embossed shadows (deboss into wood + emboss out of paper) */
  --emboss-dark:
    inset 0 1px 0 rgba(0,0,0,0.55),
    inset 0 -1px 0 rgba(201,162,74,0.18),
    0 1px 0 rgba(255,235,180,0.05);
  --emboss-light:
    0 1px 0 rgba(255,255,255,0.5),
    inset 0 1px 0 rgba(255,255,255,0.45),
    inset 0 -1px 0 rgba(58,36,24,0.18);
  --deep-shadow: 0 30px 60px rgba(0,0,0,0.5), 0 12px 24px rgba(0,0,0,0.35);

  /* Type */
  --font-display: "Cinzel", "Trajan Pro", "Cormorant Garamond", Georgia, serif;
  --font-serif:   "Cormorant Garamond", "EB Garamond", Georgia, serif;
  --font-sans:    "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;

  --container: 1240px;
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ivory);
  background: var(--wenge-900);
  -webkit-font-smoothing: antialiased;
  text-wrap: pretty;
  /* Subtle wood grain on the body itself */
  background-image:
    radial-gradient(ellipse at 50% 0%, rgba(201,162,74,0.06), transparent 60%),
    repeating-linear-gradient(92deg,
      rgba(0,0,0,0.0) 0px,
      rgba(0,0,0,0.18) 1px,
      rgba(255,255,255,0.015) 2px,
      rgba(0,0,0,0.0) 4px,
      rgba(0,0,0,0.0) 80px),
    repeating-linear-gradient(88deg,
      rgba(0,0,0,0.0) 0px,
      rgba(0,0,0,0.10) 2px,
      rgba(255,255,255,0.02) 3px,
      rgba(0,0,0,0.0) 7px,
      rgba(0,0,0,0.0) 140px),
    linear-gradient(180deg, var(--wenge-800), var(--wenge-900) 30%, var(--wenge-950) 100%);
}

img, svg { display: block; max-width: 100%; }
button { font-family: inherit; cursor: pointer; }
a { color: inherit; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 32px;
  position: relative;
}

/* =========================================================
   Reusable: wood texture & paper texture
   ========================================================= */
.wood {
  background:
    radial-gradient(ellipse at 30% 20%, rgba(201,162,74,0.08), transparent 50%),
    repeating-linear-gradient(92deg,
      rgba(0,0,0,0.0) 0px, rgba(0,0,0,0.20) 1px,
      rgba(255,255,255,0.018) 2px, rgba(0,0,0,0.0) 4px,
      rgba(0,0,0,0.0) 70px),
    repeating-linear-gradient(88deg,
      rgba(0,0,0,0.0) 0px, rgba(0,0,0,0.12) 2px,
      rgba(255,255,255,0.02) 3px, rgba(0,0,0,0.0) 8px,
      rgba(0,0,0,0.0) 130px),
    linear-gradient(160deg, var(--wenge-700), var(--wenge-900));
  position: relative;
}
.wood::after {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 50% 50%, transparent 40%, rgba(0,0,0,0.55) 100%);
  pointer-events: none;
}

.paper {
  background:
    radial-gradient(ellipse at 30% 20%, rgba(255,255,255,0.4), transparent 60%),
    radial-gradient(ellipse at 80% 80%, rgba(58,36,24,0.10), transparent 60%),
    repeating-radial-gradient(circle at 20% 30%, rgba(58,36,24,0.04) 0px, transparent 1.5px, transparent 4px),
    repeating-radial-gradient(circle at 70% 60%, rgba(58,36,24,0.05) 0px, transparent 2px, transparent 5px),
    linear-gradient(135deg, var(--ivory), var(--paper) 50%, var(--paper-2));
  color: var(--ink-900);
  position: relative;
}
.paper::before {
  content: "";
  position: absolute; inset: 0;
  background-image:
    repeating-linear-gradient(0deg, rgba(58,36,24,0.018) 0 1px, transparent 1px 3px);
  pointer-events: none;
  opacity: 0.6;
}

/* Hairline divider — gold dust */
.gold-rule {
  height: 1px;
  background: var(--hairline-gold);
  border: none;
  margin: 0;
}

/* =========================================================
   Type system
   ========================================================= */
.eyebrow {
  font-family: var(--font-sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 22px;
  display: inline-flex;
  align-items: center;
  gap: 14px;
}
.eyebrow::before {
  content: "";
  width: 32px; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold));
}

h1, h2, h3, h4 {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 500;
  letter-spacing: 0.02em;
  line-height: 1.12;
  color: var(--ivory);
}

/* Engraved title — for use ON DARK (wood) backgrounds.
   Gold text + dark inner shadow simulates carved gold inlay. */
.engraved {
  font-family: var(--font-display);
  background: linear-gradient(180deg, var(--gold-bright) 0%, var(--gold) 40%, var(--gold-deep) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  text-shadow:
    0 1px 0 rgba(0,0,0,0.6),
    0 2px 4px rgba(0,0,0,0.5);
  filter: drop-shadow(0 2px 1px rgba(0,0,0,0.4));
}

/* Debossed text — for use ON LIGHT (paper) backgrounds.
   Wenge text pressed into paper. */
.debossed {
  color: var(--wenge-700);
  text-shadow:
    0 1px 0 rgba(255,255,255,0.7),
    0 -1px 1px rgba(58,36,24,0.25);
}

.h-display {
  font-size: clamp(40px, 5.6vw, 76px);
  line-height: 1.04;
  letter-spacing: 0.01em;
  font-family: var(--font-display);
  font-weight: 500;
  text-transform: uppercase;
}
.h-display .br-line { display: block; }
.h-display .accent {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 500;
  letter-spacing: -0.01em;
  text-transform: none;
}

.h-section {
  font-size: clamp(30px, 3.8vw, 50px);
  line-height: 1.12;
  margin-bottom: 18px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.h-section .accent {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 500;
  text-transform: none;
  letter-spacing: -0.01em;
}

.lead {
  font-size: 18px;
  line-height: 1.6;
  color: rgba(244, 236, 216, 0.78);
  font-weight: 400;
  max-width: 60ch;
  font-family: var(--font-sans);
}
.paper .lead { color: var(--ink-700); }

.serif-italic {
  font-family: var(--font-serif);
  font-style: italic;
  font-weight: 500;
}

/* =========================================================
   Buttons — gold metal plate
   ========================================================= */
.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  padding: 17px 30px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  border: none;
  border-radius: 1px;
  text-decoration: none;
  font-family: var(--font-sans);
  transition: transform .2s ease, box-shadow .25s ease, filter .2s ease;
  white-space: nowrap;
  cursor: pointer;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

/* Gold engraved plate */
.btn-gold {
  color: var(--wenge-900);
  background:
    linear-gradient(180deg, var(--gold-pale) 0%, var(--gold-bright) 12%, var(--gold) 50%, var(--gold-base) 88%, var(--gold-deep) 100%);
  box-shadow:
    inset 0 1px 0 rgba(255,243,210,0.7),
    inset 0 -1px 0 rgba(80,55,15,0.55),
    inset 0 0 0 1px rgba(80,55,15,0.18),
    0 6px 14px rgba(0,0,0,0.45),
    0 1px 0 rgba(255,235,180,0.06);
  text-shadow: 0 1px 0 rgba(255,235,180,0.4);
}
.btn-gold::before {
  content: "";
  position: absolute; left: 8%; right: 8%; top: 1px;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.65), transparent);
  pointer-events: none;
}
.btn-gold:hover {
  filter: brightness(1.06);
  box-shadow:
    inset 0 1px 0 rgba(255,243,210,0.8),
    inset 0 -1px 0 rgba(80,55,15,0.55),
    inset 0 0 0 1px rgba(80,55,15,0.22),
    0 10px 22px rgba(0,0,0,0.55);
}

/* Engraved outline (on dark) */
.btn-outline-gold {
  background: transparent;
  color: var(--gold-bright);
  box-shadow:
    inset 0 0 0 1px var(--gold-deep),
    inset 0 1px 0 rgba(255,235,180,0.06),
    0 1px 0 rgba(0,0,0,0.5);
}
.btn-outline-gold:hover {
  color: var(--wenge-900);
  background:
    linear-gradient(180deg, var(--gold-bright), var(--gold) 60%, var(--gold-deep));
  box-shadow:
    inset 0 1px 0 rgba(255,243,210,0.6),
    inset 0 -1px 0 rgba(80,55,15,0.5),
    0 6px 14px rgba(0,0,0,0.45);
}

/* Engraved on paper */
.btn-engraved-paper {
  background: linear-gradient(180deg, var(--paper), var(--paper-2));
  color: var(--wenge-800);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.7),
    inset 0 -1px 0 rgba(58,36,24,0.18),
    inset 0 0 0 1px rgba(58,36,24,0.12),
    0 4px 10px rgba(0,0,0,0.12);
}

.btn-lg { padding: 22px 38px; font-size: 14px; }
.btn-block { width: 100%; }
.btn .ico { width: 18px; height: 18px; }

/* =========================================================
   Header
   ========================================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background:
    radial-gradient(ellipse at 30% 0%, rgba(255,255,255,0.45), transparent 60%),
    repeating-radial-gradient(circle at 20% 30%, rgba(58,36,24,0.04) 0px, transparent 1.5px, transparent 4px),
    repeating-radial-gradient(circle at 70% 60%, rgba(58,36,24,0.05) 0px, transparent 2px, transparent 5px),
    linear-gradient(135deg, var(--ivory), var(--paper) 50%, var(--paper-2));
  backdrop-filter: saturate(140%) blur(8px);
  border-bottom: 1px solid var(--line-on-light);
  box-shadow: 0 1px 0 rgba(255,255,255,0.4) inset, 0 4px 18px rgba(0,0,0,0.18);
}
.site-header::after {
  content: "";
  position: absolute; left: 0; right: 0; bottom: -1px;
  height: 1px;
  background: var(--hairline-gold);
}
.site-header .brand-name {
  color: var(--gold-deep);
  font-weight: 700;
}
.site-header .brand-name small {
  color: var(--gold-deep);
  -webkit-text-fill-color: var(--gold-deep);
}
.site-header .nav-links a { color: var(--ink-700); }
.site-header .nav-links a:hover { color: var(--gold-deep); }
.site-header .btn-outline-gold {
  color: var(--gold-deep);
}
.site-header .row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 16px;
  text-decoration: none;
}
.brand .crest {
  width: 52px; height: 52px;
  background-image: url("assets/logo-shield.png");
  background-size: contain;
  background-position: center;
  background-repeat: no-repeat;
  filter: drop-shadow(0 2px 4px rgba(0,0,0,0.6));
}
.brand-name {
  font-family: var(--font-display);
  font-size: 17px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  background: linear-gradient(180deg, var(--gold-bright) 0%, var(--gold) 50%, var(--gold-deep) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  text-shadow: 0 1px 0 rgba(0,0,0,0.5);
  line-height: 1.1;
}
.brand-name small {
  display: block;
  font-family: var(--font-sans);
  font-size: 9px;
  letter-spacing: 0.4em;
  color: var(--ink-300);
  text-transform: uppercase;
  margin-top: 4px;
  background: none;
  -webkit-text-fill-color: var(--ink-300);
  text-shadow: none;
}
.nav { display: flex; align-items: center; gap: 36px; }
.nav-links { display: flex; gap: 36px; }
.nav-links a {
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--ink-300);
  text-decoration: none;
  transition: color .2s ease;
  position: relative;
}
.nav-links a:hover { color: var(--gold); }
.nav-links a:hover::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -8px;
  height: 1px; background: var(--gold);
}
@media (max-width: 980px) { .nav-links { display: none; } }

/* =========================================================
   Hero
   ========================================================= */
.hero {
  position: relative;
  padding: 96px 0 120px;
  overflow: hidden;
}
.hero::before {
  /* center spotlight */
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 50% 30%, rgba(201,162,74,0.10), transparent 60%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 80px;
  align-items: center;
  position: relative;
}

.hero-alert {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 8px 18px;
  border: 1px solid rgba(201,162,74,0.4);
  background: rgba(201,162,74,0.06);
  color: var(--gold-bright);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  margin-bottom: 32px;
  border-radius: 1px;
  box-shadow: var(--emboss-dark);
}
.hero-alert .dot {
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
  box-shadow: 0 0 8px var(--gold), 0 0 16px rgba(201,162,74,0.6);
  animation: gold-pulse 2.4s ease-in-out infinite;
}
@keyframes gold-pulse {
  0%, 100% { opacity: 0.4; }
  50%      { opacity: 1; }
}

.hero h1 { margin-bottom: 28px; }
.hero p.lead { font-size: 19px; margin: 0 0 40px; }
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-meta {
  margin-top: 56px;
  padding-top: 36px;
  border-top: 1px solid var(--line-on-dark);
  display: flex;
  gap: 48px;
  flex-wrap: wrap;
  position: relative;
}
.hero-meta::before {
  content: "";
  position: absolute; left: 0; right: 0; top: -1px;
  height: 1px;
  background: var(--hairline-gold);
}
.hero-meta .item .num {
  font-family: var(--font-display);
  font-size: 26px;
  letter-spacing: 0.04em;
  background: linear-gradient(180deg, var(--gold-bright), var(--gold-deep));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  line-height: 1;
}
.hero-meta .item .lbl {
  font-size: 10px;
  color: var(--ink-300);
  letter-spacing: 0.22em;
  text-transform: uppercase;
  margin-top: 8px;
}

/* Hero crest panel — embossed paper card */
.hero-crest-panel {
  position: relative;
  aspect-ratio: 4/5;
  background:
    radial-gradient(ellipse at 100% 100%, rgba(0,0,0,0.4), transparent 60%),
    linear-gradient(160deg, var(--wenge-800), var(--wenge-900));
  background-size: cover;
  border: 1px solid rgba(201,162,74,0.25);
  box-shadow:
    var(--deep-shadow),
    inset 0 1px 0 rgba(255,235,180,0.08),
    inset 0 -1px 0 rgba(0,0,0,0.5);
  display: grid;
  place-items: center;
  overflow: hidden;
}
.hero-crest-panel::before {
  content: "";
  position: absolute; inset: 18px;
  border: 1px solid rgba(201,162,74,0.18);
  pointer-events: none;
}
.hero-crest-panel .crest-big {
  width: 64%;
  filter: drop-shadow(0 18px 30px rgba(0,0,0,0.6)) drop-shadow(0 4px 6px rgba(0,0,0,0.4));
}
.hero-crest-panel .crest-caption {
  position: absolute;
  bottom: 36px; left: 0; right: 0;
  text-align: center;
  font-family: var(--font-display);
  font-size: 12px;
  letter-spacing: 0.6em;
  text-transform: uppercase;
  color: var(--gold);
  text-shadow: 0 1px 0 rgba(0,0,0,0.6);
}
.hero-crest-panel .crest-caption small {
  display: block;
  margin-top: 8px;
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 13px;
  letter-spacing: 0.04em;
  text-transform: none;
  color: var(--ink-300);
}

.hero-seal {
  position: absolute;
  left: -28px;
  bottom: 48px;
  background: linear-gradient(180deg, var(--ivory), var(--paper-2));
  color: var(--wenge-800);
  padding: 22px 26px;
  max-width: 290px;
  border-left: 2px solid var(--gold);
  box-shadow:
    var(--emboss-light),
    0 14px 30px rgba(0,0,0,0.4);
}
.hero-seal .quote {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 17px;
  line-height: 1.45;
  color: var(--wenge-800);
}
.hero-seal .who {
  display: block;
  margin-top: 12px;
  font-family: var(--font-sans);
  font-size: 10px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--ink-500);
}

@media (max-width: 980px) {
  .hero { padding: 56px 0 72px; }
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero-crest-panel { aspect-ratio: 4/3; max-width: 540px; }
  .hero-seal { left: 16px; bottom: 16px; }
}

/* =========================================================
   Section base
   ========================================================= */
section { padding: 110px 0; position: relative; }
section.tight { padding: 80px 0; }
section.paper { padding: 110px 0; }

.section-head { max-width: 760px; margin-bottom: 64px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .eyebrow { justify-content: center; }
.section-head.center .eyebrow::after {
  content: ""; width: 32px; height: 1px;
  background: linear-gradient(90deg, var(--gold), transparent);
}

/* Ornamental divider — diamond */
.ornament {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin: 0 auto 24px;
}
.ornament .line {
  flex: 1; max-width: 80px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold));
}
.ornament .line.r {
  background: linear-gradient(90deg, var(--gold), transparent);
}
.ornament .diamond {
  width: 8px; height: 8px;
  background: var(--gold);
  transform: rotate(45deg);
  box-shadow: 0 0 8px rgba(201,162,74,0.5);
}

/* =========================================================
   Pain section (paper)
   ========================================================= */
.pain-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0;
  border: 1px solid var(--line-on-light);
  background: var(--line-on-light);
  gap: 1px;
}
.pain-card {
  background: linear-gradient(180deg, var(--ivory), var(--paper));
  padding: 40px 36px;
  display: flex;
  gap: 20px;
  align-items: flex-start;
  position: relative;
}
.pain-card::after {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 100% 0%, rgba(58,36,24,0.05), transparent 60%);
  pointer-events: none;
}
.pain-card .seal {
  flex: 0 0 36px;
  height: 36px;
  border-radius: 50%;
  background:
    radial-gradient(circle at 30% 30%, var(--gold-pale), var(--gold) 50%, var(--gold-deep));
  display: grid;
  place-items: center;
  box-shadow:
    inset 0 1px 0 rgba(255,243,210,0.7),
    inset 0 -1px 0 rgba(80,55,15,0.5),
    0 4px 10px rgba(0,0,0,0.18);
}
.pain-card .seal svg { width: 16px; height: 16px; color: var(--wenge-900); }
.pain-card h3 {
  font-family: var(--font-display);
  font-size: 14px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--wenge-800);
  margin: 4px 0 8px;
  text-shadow: 0 1px 0 rgba(255,255,255,0.6);
}
.pain-card p { margin: 0; color: var(--ink-700); font-size: 15px; line-height: 1.6; }
@media (max-width: 720px) { .pain-grid { grid-template-columns: 1fr; } }

/* =========================================================
   Bank selector
   ========================================================= */
.banks {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 56px;
  align-items: stretch;
}
.bank-tabs { display: flex; flex-direction: column; gap: 10px; }
.bank-tab {
  text-align: left;
  background: rgba(0,0,0,0.25);
  border: 1px solid var(--line-on-dark);
  padding: 24px 26px;
  color: var(--ink-300);
  display: flex;
  flex-direction: column;
  gap: 6px;
  transition: all .25s ease;
  font-family: inherit;
  position: relative;
  border-radius: 1px;
}
.bank-tab::before {
  content: "";
  position: absolute; left: 0; top: 0; bottom: 0;
  width: 2px;
  background: transparent;
  transition: background .25s ease;
}
.bank-tab:hover { color: var(--ivory); border-color: rgba(201,162,74,0.4); }
.bank-tab.active {
  background: linear-gradient(180deg, rgba(201,162,74,0.10), rgba(201,162,74,0.04));
  border-color: var(--gold);
  color: var(--gold-bright);
}
.bank-tab.active::before { background: var(--gold); box-shadow: 0 0 12px var(--gold); }
.bank-tab .name {
  font-family: var(--font-display);
  font-size: 18px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.bank-tab .label {
  font-size: 10px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--ink-500);
  opacity: 0.85;
}
.bank-tab.active .label { color: var(--gold-deep); opacity: 1; }

.bank-panel {
  background:
    radial-gradient(ellipse at 30% 20%, rgba(201,162,74,0.06), transparent 50%),
    rgba(0,0,0,0.30);
  border: 1px solid var(--line-on-dark);
  padding: 48px;
  position: relative;
}
.bank-panel::before, .bank-panel::after {
  content: "";
  position: absolute; left: 16px; right: 16px;
  height: 1px;
  background: var(--hairline-gold);
}
.bank-panel::before { top: 12px; }
.bank-panel::after { bottom: 12px; }

.bank-panel .panel-eyebrow {
  font-size: 10px;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 16px;
}
.bank-panel h3 {
  font-family: var(--font-display);
  font-size: 26px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--ivory);
  margin-bottom: 18px;
}
.bank-panel p { color: rgba(244,236,216,0.78); margin: 0 0 28px; font-size: 16px; }
.bank-panel ul {
  list-style: none; padding: 0; margin: 0 0 32px;
  display: grid; gap: 14px;
}
.bank-panel ul li {
  display: flex; gap: 14px; align-items: flex-start;
  font-size: 15px;
  color: rgba(244,236,216,0.85);
  padding-bottom: 14px;
  border-bottom: 1px dashed rgba(201,162,74,0.15);
}
.bank-panel ul li:last-child { border-bottom: none; padding-bottom: 0; }
.bank-panel ul li .dot {
  flex: 0 0 7px; height: 7px; transform: rotate(45deg);
  background: var(--gold); margin-top: 8px;
  box-shadow: 0 0 6px rgba(201,162,74,0.5);
}
@media (max-width: 980px) {
  .banks { grid-template-columns: 1fr; gap: 24px; }
  .bank-tabs { flex-direction: row; overflow-x: auto; }
  .bank-tab { min-width: 220px; }
}

/* =========================================================
   Calculator
   ========================================================= */
.calc {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: 0;
  background: linear-gradient(180deg, var(--ivory), var(--paper));
  border: 1px solid var(--line-on-light);
  box-shadow:
    var(--deep-shadow),
    inset 0 1px 0 rgba(255,255,255,0.6);
  position: relative;
}
.calc::before {
  content: "";
  position: absolute; left: 18px; right: 18px; top: 14px;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(58,36,24,0.25), transparent);
}
.calc-left {
  padding: 56px;
  border-right: 1px solid var(--line-on-light);
  background: linear-gradient(180deg, var(--paper), var(--paper-2));
  position: relative;
}
.calc-right { padding: 56px; position: relative; }

.calc h3 {
  font-family: var(--font-display);
  font-size: 20px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--wenge-800);
  margin-bottom: 8px;
  text-shadow: 0 1px 0 rgba(255,255,255,0.7);
}
.calc .calc-sub { color: var(--ink-700); font-size: 14px; margin: 0 0 32px; }

.field { margin-bottom: 26px; }
.field label {
  display: block;
  font-size: 11px;
  font-weight: 600;
  color: var(--wenge-700);
  margin-bottom: 12px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.field-input {
  width: 100%;
  padding: 14px 18px;
  border: 1px solid rgba(58,36,24,0.20);
  background: var(--ivory);
  font: inherit;
  font-size: 16px;
  font-family: var(--font-serif);
  color: var(--wenge-900);
  border-radius: 1px;
  transition: border-color .2s ease, box-shadow .2s ease;
  box-shadow:
    inset 0 2px 4px rgba(58,36,24,0.08),
    0 1px 0 rgba(255,255,255,0.5);
}
.field-input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow:
    inset 0 2px 4px rgba(58,36,24,0.10),
    0 0 0 3px rgba(201,162,74,0.25);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

.slider-wrap { margin-top: 14px; }
.slider {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 4px;
  background: linear-gradient(90deg, var(--gold-deep), var(--gold), var(--gold-deep));
  border-radius: 2px;
  outline: none;
  box-shadow: inset 0 1px 2px rgba(0,0,0,0.3);
}
.slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: radial-gradient(circle at 30% 30%, var(--gold-pale), var(--gold) 60%, var(--gold-deep));
  border: 2px solid var(--wenge-800);
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(0,0,0,0.3);
}
.slider::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: radial-gradient(circle at 30% 30%, var(--gold-pale), var(--gold) 60%, var(--gold-deep));
  border: 2px solid var(--wenge-800); cursor: pointer;
}

.calc-result { display: flex; flex-direction: column; gap: 20px; }
.calc-result .res-label {
  font-size: 10px; letter-spacing: 0.32em;
  text-transform: uppercase; color: var(--ink-500);
}
.calc-result .res-value {
  font-family: var(--font-display);
  font-size: 52px; line-height: 1;
  letter-spacing: 0.02em;
  background: linear-gradient(180deg, var(--gold-deep) 0%, var(--gold-base) 50%, var(--gold-deep) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  text-shadow: 0 1px 0 rgba(255,255,255,0.5);
}
.calc-result .res-value .sup {
  font-size: 22px; vertical-align: top; margin-right: 4px;
}
.calc-result .res-range { font-size: 12px; color: var(--ink-500); margin-top: -10px; letter-spacing: 0.04em; }
.calc-result .res-divider {
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(58,36,24,0.25), transparent);
  margin: 8px 0;
}
.calc-result .res-row {
  display: flex; justify-content: space-between;
  font-size: 14px; color: var(--ink-700);
}
.calc-result .res-row span:last-child {
  color: var(--wenge-900); font-weight: 600;
  font-family: var(--font-serif); font-size: 16px;
}

.modal-toggle {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-top: 6px;
}
.modal-opt {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 4px;
  padding: 14px 16px;
  background: linear-gradient(180deg, var(--ivory), var(--paper));
  border: 1px solid var(--line-on-light);
  color: var(--ink-700);
  cursor: pointer;
  text-align: left;
  font-family: inherit;
  transition: all .2s ease;
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.6);
}
.modal-opt:hover { border-color: var(--gold); color: var(--wenge-800); }
.modal-opt.active {
  background: linear-gradient(180deg, rgba(201,162,74,0.18), rgba(201,162,74,0.06));
  border-color: var(--gold-deep);
  color: var(--wenge-900);
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.6), 0 2px 8px rgba(138,106,40,0.18);
}
.modal-opt .opt-title {
  font-family: var(--font-display);
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.modal-opt .opt-sub {
  font-size: 11px;
  color: var(--ink-500);
  letter-spacing: 0.04em;
}
.modal-opt.active .opt-sub { color: var(--gold-deep); }
@media (max-width: 520px) {
  .modal-toggle { grid-template-columns: 1fr; }
}

.disclaimer {
  font-size: 12px;
  color: var(--ink-500);
  line-height: 1.55;
  margin: 24px 0 0;
  padding: 16px 18px;
  background: rgba(58,36,24,0.05);
  border-left: 2px solid var(--gold);
}

@media (max-width: 980px) {
  .calc { grid-template-columns: 1fr; }
  .calc-left { border-right: none; border-bottom: 1px solid var(--line-on-light); }
  .calc-left, .calc-right { padding: 36px; }
  .calc-result .res-value { font-size: 40px; }
}

/* =========================================================
   Benefits / Rights split
   ========================================================= */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 90px;
  align-items: start;
}
@media (max-width: 980px) { .split { grid-template-columns: 1fr; gap: 48px; } }

.bullet-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 0; }
.bullet-list li {
  display: grid;
  grid-template-columns: 56px 1fr;
  gap: 18px;
  padding: 22px 0;
  border-bottom: 1px solid var(--line-on-dark);
  align-items: start;
  position: relative;
}
.bullet-list li::after {
  content: "";
  position: absolute; left: 0; right: 0; bottom: -1px;
  height: 1px;
  background: linear-gradient(90deg, var(--gold-deep), transparent 60%);
  opacity: 0.5;
}
.bullet-list li:last-child { border-bottom: none; }
.bullet-list .num {
  font-family: var(--font-display);
  font-size: 28px;
  letter-spacing: 0.04em;
  background: linear-gradient(180deg, var(--gold-bright), var(--gold-deep));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  line-height: 1;
  padding-top: 4px;
}
.bullet-list h4 {
  font-family: var(--font-display);
  font-size: 14px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ivory);
  margin: 0 0 6px;
}
.bullet-list p { margin: 0; font-size: 15px; color: rgba(244,236,216,0.7); }

.rights-card {
  position: relative;
  background:
    radial-gradient(ellipse at 30% 20%, rgba(255,255,255,0.4), transparent 60%),
    linear-gradient(160deg, var(--ivory), var(--paper) 50%, var(--paper-2));
  padding: 48px;
  box-shadow:
    var(--deep-shadow),
    inset 0 1px 0 rgba(255,255,255,0.6);
  border: 1px solid var(--line-on-light);
}
.rights-card::before {
  content: "";
  position: absolute; inset: 14px;
  border: 1px solid rgba(58,36,24,0.10);
  pointer-events: none;
}
.rights-card h3 {
  font-family: var(--font-display);
  font-size: 22px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--wenge-800);
  margin-bottom: 16px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--line-on-light);
  text-shadow: 0 1px 0 rgba(255,255,255,0.6);
}
.rights-card .law-ref {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 14px;
  color: var(--gold-deep);
  margin: 0 0 22px;
  letter-spacing: 0.02em;
}
.rights-card ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 16px; }
.rights-card ul li {
  display: flex; gap: 14px;
  font-size: 14.5px;
  color: var(--ink-700);
  line-height: 1.6;
}
.rights-card ul li svg {
  flex: 0 0 18px; height: 18px; margin-top: 4px;
  color: var(--gold-deep);
}
.rights-card ul li strong { color: var(--wenge-800); font-weight: 700; }

/* =========================================================
   Process steps
   ========================================================= */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 36px;
}
.step { position: relative; padding-top: 36px; }
.step::before {
  content: "";
  position: absolute; top: 0; left: 0; right: 0;
  height: 1px;
  background: var(--line-on-dark);
}
.step.active::before {
  background: linear-gradient(90deg, var(--gold), transparent);
  height: 2px;
  box-shadow: 0 0 8px rgba(201,162,74,0.5);
}
.step .step-num {
  font-family: var(--font-display);
  font-size: 11px;
  letter-spacing: 0.32em;
  color: var(--gold);
  margin-bottom: 18px;
  text-transform: uppercase;
}
.step h4 {
  font-family: var(--font-display);
  font-size: 18px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ivory);
  margin-bottom: 14px;
}
.step p { margin: 0; color: rgba(244,236,216,0.7); font-size: 14.5px; }
@media (max-width: 980px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .steps { grid-template-columns: 1fr; } }

/* =========================================================
   Stats / Testimonials
   ========================================================= */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid var(--line-on-light);
  border-bottom: 1px solid var(--line-on-light);
  position: relative;
}
.stats::before, .stats::after {
  content: ""; position: absolute; left: 0; right: 0; height: 1px;
  background: linear-gradient(90deg, transparent, rgba(58,36,24,0.3), transparent);
}
.stats::before { top: -1px; } .stats::after { bottom: -1px; }
.stat {
  padding: 44px 32px;
  border-right: 1px solid var(--line-on-light);
}
.stat:last-child { border-right: none; }
.stat .num {
  font-family: var(--font-display);
  font-size: clamp(36px, 4.4vw, 56px);
  letter-spacing: 0.02em;
  line-height: 1;
  background: linear-gradient(180deg, var(--gold-base), var(--gold-deep));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  text-shadow: 0 1px 0 rgba(255,255,255,0.5);
}
.stat .num .sm {
  font-size: 0.45em;
  font-family: var(--font-serif);
  font-style: italic;
  margin-left: 6px;
  -webkit-text-fill-color: var(--gold-deep);
}
.stat .lbl {
  font-size: 12px; color: var(--ink-700); margin-top: 14px;
  line-height: 1.5; letter-spacing: 0.04em;
}
@media (max-width: 720px) {
  .stats { grid-template-columns: 1fr 1fr; }
  .stat:nth-child(2) { border-right: none; }
  .stat:nth-child(1), .stat:nth-child(2) { border-bottom: 1px solid var(--line-on-light); }
}

.testimonials {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 64px;
}
.testimonial {
  background: linear-gradient(160deg, var(--ivory), var(--paper));
  padding: 36px;
  display: flex;
  flex-direction: column;
  gap: 22px;
  position: relative;
  border: 1px solid var(--line-on-light);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,0.6),
    0 8px 20px rgba(0,0,0,0.18);
}
.testimonial::before {
  content: "";
  position: absolute; inset: 10px;
  border: 1px solid rgba(58,36,24,0.08);
  pointer-events: none;
}
.testimonial .quote-mark {
  font-family: var(--font-display);
  font-size: 64px;
  line-height: 0.4;
  color: var(--gold-deep);
  height: 28px;
  text-shadow: 0 1px 0 rgba(255,255,255,0.6);
}
.testimonial p {
  margin: 0;
  font-family: var(--font-serif);
  font-size: 18px;
  line-height: 1.45;
  color: var(--wenge-800);
  flex: 1;
  font-style: italic;
}
.testimonial .author {
  display: flex; align-items: center; gap: 14px;
  padding-top: 18px;
  border-top: 1px solid var(--line-on-light);
}
.testimonial .avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: radial-gradient(circle at 30% 30%, var(--gold-pale), var(--gold) 50%, var(--gold-deep));
  color: var(--wenge-900);
  display: grid; place-items: center;
  font-family: var(--font-display);
  font-size: 13px;
  letter-spacing: 0.06em;
  box-shadow:
    inset 0 1px 0 rgba(255,243,210,0.7),
    inset 0 -1px 0 rgba(80,55,15,0.5);
}
.testimonial .who-info .name {
  font-family: var(--font-display);
  font-size: 13px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--wenge-800);
}
.testimonial .who-info .meta {
  font-size: 11px; color: var(--ink-500);
  letter-spacing: 0.06em; margin-top: 2px;
}
@media (max-width: 980px) { .testimonials { grid-template-columns: 1fr; } }

/* =========================================================
   Authority
   ========================================================= */
.authority {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 80px;
}
.authority-img {
  aspect-ratio: 5/4;
  position: relative;
  background:
    radial-gradient(ellipse at 30% 20%, rgba(201,162,74,0.18), transparent 60%),
    linear-gradient(160deg, var(--wenge-700), var(--wenge-900));
  border: 1px solid rgba(201,162,74,0.3);
  display: grid;
  place-items: center;
  box-shadow: var(--deep-shadow);
  overflow: hidden;
}
.authority-img::before {
  content: "";
  position: absolute; inset: 18px;
  border: 1px solid rgba(201,162,74,0.18);
  pointer-events: none;
}
.authority-img .logo-full {
  width: 70%;
  filter: drop-shadow(0 14px 22px rgba(0,0,0,0.5));
}
.authority-img .caption {
  position: absolute;
  bottom: 36px; left: 0; right: 0;
  text-align: center;
  font-family: var(--font-display);
  font-size: 10px;
  letter-spacing: 0.5em;
  text-transform: uppercase;
  color: var(--gold);
}

.credentials {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-top: 40px;
}
.cred {
  border: 1px solid var(--line-on-dark);
  background: rgba(0,0,0,0.25);
  padding: 22px 22px;
  position: relative;
}
.cred::before {
  content: "";
  position: absolute; left: 8px; right: 8px; top: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201,162,74,0.5), transparent);
}
.cred .v {
  font-family: var(--font-display);
  font-size: 18px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  background: linear-gradient(180deg, var(--gold-bright), var(--gold-deep));
  -webkit-background-clip: text; background-clip: text;
  color: transparent;
  line-height: 1.1;
}
.cred .l {
  font-size: 11px; color: var(--ink-300);
  margin-top: 10px; letter-spacing: 0.06em; line-height: 1.5;
}
@media (max-width: 980px) { .authority { grid-template-columns: 1fr; gap: 48px; } }

/* =========================================================
   Offer card (engraved plaque on wood)
   ========================================================= */
.offer-card {
  position: relative;
  padding: 64px 56px;
  background:
    radial-gradient(ellipse at 100% 0%, rgba(201,162,74,0.12), transparent 50%),
    linear-gradient(160deg, var(--wenge-700), var(--wenge-900));
  border: 1px solid var(--gold-deep);
  box-shadow:
    var(--deep-shadow),
    inset 0 1px 0 rgba(255,235,180,0.08),
    inset 0 0 0 1px rgba(201,162,74,0.15);
  overflow: hidden;
}
.offer-card::before {
  content: "";
  position: absolute; inset: 12px;
  border: 1px solid rgba(201,162,74,0.25);
  pointer-events: none;
}
.offer-card::after {
  content: "";
  position: absolute; top: 0; right: 0;
  width: 360px; height: 360px;
  background: radial-gradient(circle at center, rgba(201,162,74,0.18), transparent 70%);
  pointer-events: none;
}
.offer-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
}
.offer-card h3 {
  font-family: var(--font-display);
  color: var(--ivory);
  font-size: 32px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.offer-card p { color: rgba(244,236,216,0.78); margin: 0 0 28px; font-size: 16px; }
.offer-list { list-style: none; padding: 0; margin: 0 0 32px; display: grid; gap: 14px; }
.offer-list li {
  display: flex; gap: 14px; align-items: center;
  font-size: 15px; color: rgba(244,236,216,0.9);
}
.offer-list svg { width: 20px; height: 20px; color: var(--gold); flex: 0 0 20px; }

.offer-cta {
  position: relative;
  background: rgba(20,12,8,0.6);
  border: 1px solid var(--gold-deep);
  padding: 40px 32px;
  text-align: center;
  box-shadow: inset 0 1px 0 rgba(255,235,180,0.06);
}
.offer-cta::before {
  content: "";
  position: absolute; inset: 6px;
  border: 1px solid rgba(201,162,74,0.18);
  pointer-events: none;
}
.offer-cta .price-line {
  font-size: 10px;
  letter-spacing: 0.4em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}
.offer-cta .price {
  font-family: var(--font-display);
  font-size: 52px;
  letter-spacing: 0.04em;
  line-height: 1;
  margin-bottom: 24px;
  background: linear-gradient(180deg, var(--gold-bright), var(--gold-deep));
  -webkit-background-clip: text; background-clip: text;
  color: transparent;
  text-shadow: 0 2px 4px rgba(0,0,0,0.5);
}
.offer-cta .price small {
  display: block; margin-top: 8px;
  font-family: var(--font-sans);
  font-size: 10px;
  color: rgba(244,236,216,0.5);
  letter-spacing: 0.32em;
  text-transform: uppercase;
  -webkit-text-fill-color: rgba(244,236,216,0.5);
}
.offer-cta .micro {
  font-size: 11px;
  color: rgba(244,236,216,0.5);
  margin-top: 16px;
  line-height: 1.6;
  letter-spacing: 0.04em;
}
@media (max-width: 980px) {
  .offer-card { padding: 40px 28px; }
  .offer-grid { grid-template-columns: 1fr; gap: 40px; }
}

/* =========================================================
   Objections (paper)
   ========================================================= */
.objections-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.obj-card {
  position: relative;
  background: linear-gradient(160deg, var(--ivory), var(--paper));
  padding: 36px 32px;
  border: 1px solid var(--line-on-light);
  box-shadow: inset 0 1px 0 rgba(255,255,255,0.6);
}
.obj-card::before {
  content: "";
  position: absolute; inset: 8px;
  border: 1px solid rgba(58,36,24,0.06);
  pointer-events: none;
}
.obj-card .q-tag {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 13px;
  color: var(--gold-deep);
  letter-spacing: 0.02em;
  margin-bottom: 10px;
}
.obj-card h4 {
  font-family: var(--font-display);
  font-size: 16px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--wenge-800);
  margin: 0 0 16px;
  line-height: 1.3;
  text-shadow: 0 1px 0 rgba(255,255,255,0.6);
}
.obj-card p { margin: 0; font-size: 14px; color: var(--ink-700); line-height: 1.6; }
@media (max-width: 980px) { .objections-grid { grid-template-columns: 1fr; } }

/* =========================================================
   FAQ
   ========================================================= */
.faq-list { display: grid; gap: 0; border-top: 1px solid var(--line-on-dark); }
.faq-item { border-bottom: 1px solid var(--line-on-dark); position: relative; }
.faq-item::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -1px;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201,162,74,0.25), transparent);
}
.faq-q {
  width: 100%; text-align: left;
  background: transparent; border: none;
  padding: 30px 0;
  display: flex; justify-content: space-between; align-items: center;
  gap: 24px;
  font-family: var(--font-display);
  font-size: 17px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--ivory);
  font-weight: 500;
  cursor: pointer;
  transition: color .2s ease;
}
.faq-q:hover { color: var(--gold); }
.faq-q .ico-pm {
  flex: 0 0 32px; height: 32px;
  border: 1px solid var(--gold-deep);
  border-radius: 50%;
  display: grid; place-items: center;
  position: relative;
  transition: background .25s ease;
}
.faq-q .ico-pm::before, .faq-q .ico-pm::after {
  content: ""; position: absolute;
  background: var(--gold);
  transition: transform .25s ease;
}
.faq-q .ico-pm::before { width: 12px; height: 1.5px; }
.faq-q .ico-pm::after  { width: 1.5px; height: 12px; }
.faq-item.open .faq-q .ico-pm::after { transform: scaleY(0); }
.faq-item.open .faq-q .ico-pm {
  background: radial-gradient(circle at 30% 30%, var(--gold-pale), var(--gold) 60%, var(--gold-deep));
}
.faq-item.open .faq-q .ico-pm::before { background: var(--wenge-900); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s ease; }
.faq-a-inner {
  padding: 0 0 32px;
  font-size: 15px;
  color: rgba(244,236,216,0.72);
  max-width: 80ch;
  line-height: 1.7;
}

/* =========================================================
   Final CTA
   ========================================================= */
.final-cta {
  text-align: center;
  padding: 130px 0;
  position: relative;
}
.final-cta::before {
  content: "";
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse at 50% 0%, rgba(201,162,74,0.18), transparent 60%);
  pointer-events: none;
}
.final-cta .crest-mini {
  width: 72px;
  margin: 0 auto 28px;
  filter: drop-shadow(0 8px 16px rgba(0,0,0,0.5));
}
.final-cta h2 {
  color: var(--ivory);
  font-size: clamp(34px, 4.4vw, 58px);
  margin-bottom: 22px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.final-cta p {
  color: rgba(244,236,216,0.72);
  max-width: 580px; margin: 0 auto 40px;
  font-size: 17px;
}
.final-cta .micro {
  margin-top: 28px;
  font-size: 11px;
  color: rgba(244,236,216,0.5);
  letter-spacing: 0.18em;
  text-transform: uppercase;
}

/* =========================================================
   Footer
   ========================================================= */
footer.site-footer {
  position: relative;
  background: var(--wenge-950);
  color: rgba(244,236,216,0.5);
  padding: 64px 0 32px;
  border-top: 1px solid var(--line-on-dark);
}
footer.site-footer::before {
  content: "";
  position: absolute; left: 0; right: 0; top: 0;
  height: 1px;
  background: var(--hairline-gold);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 64px;
  padding-bottom: 40px;
  border-bottom: 1px solid var(--line-on-dark);
  margin-bottom: 28px;
}
.footer-grid h5 {
  font-family: var(--font-display);
  font-size: 11px;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 22px;
  font-weight: 600;
}
.footer-grid p, .footer-grid a {
  font-size: 13px;
  color: rgba(244,236,216,0.55);
  text-decoration: none;
  display: block;
  margin: 0 0 8px;
  line-height: 1.6;
}
.footer-grid a:hover { color: var(--gold); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  font-size: 11px;
  color: rgba(244,236,216,0.35);
  flex-wrap: wrap;
  letter-spacing: 0.06em;
}
.footer-disclaimer {
  font-size: 11px;
  line-height: 1.7;
  color: rgba(244,236,216,0.42);
  margin-bottom: 18px;
  padding: 18px 0 0;
  border-top: 1px solid var(--line-on-dark);
}
.footer-disclaimer strong { color: var(--gold); letter-spacing: 0.18em; text-transform: uppercase; font-size: 10px; }
@media (max-width: 980px) { .footer-grid { grid-template-columns: 1fr; gap: 36px; } }

/* =========================================================
   Floating WhatsApp
   ========================================================= */
.wa-float {
  position: fixed; bottom: 28px; right: 28px;
  z-index: 100;
  display: flex; align-items: center;
  background: linear-gradient(180deg, #2DDA72, #1FAE57);
  color: #FFF;
  border-radius: 100px;
  padding: 0;
  box-shadow:
    0 12px 32px rgba(0,0,0,0.4),
    inset 0 1px 0 rgba(255,255,255,0.3),
    inset 0 -1px 0 rgba(0,0,0,0.18);
  text-decoration: none;
  overflow: hidden;
  transition: all .3s ease;
  font-weight: 600;
  border: 1px solid rgba(0,0,0,0.2);
}
.wa-float:hover { transform: translateY(-3px); box-shadow: 0 18px 40px rgba(0,0,0,0.5); }
.wa-float .wa-icon {
  width: 60px; height: 60px;
  display: grid; place-items: center; flex-shrink: 0;
}
.wa-float .wa-icon svg { width: 28px; height: 28px; }
.wa-float .wa-label {
  padding-right: 22px; padding-left: 4px;
  font-size: 13px;
  white-space: nowrap;
  max-width: 0; overflow: hidden;
  transition: max-width .35s ease, padding .35s ease;
  letter-spacing: 0.04em;
}
.wa-float.expanded .wa-label,
.wa-float:hover .wa-label {
  max-width: 280px;
  padding-right: 22px;
  padding-left: 4px;
}
.wa-float .wa-label small {
  display: block;
  font-size: 11px; font-weight: 400;
  opacity: 0.85; letter-spacing: 0.02em;
}
.wa-float .wa-pulse {
  position: absolute; inset: 0;
  border-radius: 100px;
  border: 2px solid #25D366;
  animation: wa-pulse 2s ease-out infinite;
  pointer-events: none;
}
@keyframes wa-pulse {
  0%   { transform: scale(1); opacity: 0.6; }
  100% { transform: scale(1.3); opacity: 0; }
}

/* =========================================================
   Reveal on scroll
   ========================================================= */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .8s ease, transform .8s ease; }
.reveal.in { opacity: 1; transform: translateY(0); }

/* =========================================================
   Institutional strip — identity at the very top
   ========================================================= */
.institutional-strip {
  background: var(--wenge-950);
  border-bottom: 1px solid rgba(201,162,74,0.12);
  color: rgba(244,236,216,0.6);
  font-family: var(--font-display);
  font-size: 10.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  position: relative;
  z-index: 11;
}
.institutional-strip::after {
  content: "";
  position: absolute; left: 0; right: 0; bottom: -1px; height: 1px;
  background: var(--hairline-gold);
  opacity: 0.5;
}
.institutional-strip .container {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 10px 14px;
  padding: 9px 24px;
}
.institutional-strip .firm {
  color: var(--gold);
  font-weight: 500;
}
.institutional-strip .sep {
  color: rgba(201,162,74,0.35);
  font-family: var(--font-serif);
}
.institutional-strip a {
  color: var(--gold-bright);
  text-decoration: none;
  transition: color .2s ease;
}
.institutional-strip a:hover { color: var(--gold-pale); }
@media (max-width: 720px) {
  .institutional-strip {
    font-size: 9.5px;
    letter-spacing: 0.14em;
  }
  .institutional-strip .container {
    gap: 6px 10px;
    padding: 8px 16px;
  }
  .institutional-strip .addr { display: none; }
}

/* =========================================================
   OAB badge — textual placeholder seal inside the Hero crest
   ========================================================= */
.hero-crest-panel .oab-badge {
  position: absolute;
  right: 22px;
  top: 22px;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 12px;
  background:
    linear-gradient(180deg, rgba(26, 14, 8, 0.85), rgba(15, 8, 5, 0.92));
  border: 1px solid rgba(201,162,74,0.45);
  border-radius: 2px;
  box-shadow:
    0 4px 12px rgba(0,0,0,0.5),
    inset 0 1px 0 rgba(255,235,180,0.08);
  backdrop-filter: blur(4px);
  z-index: 2;
}
.hero-crest-panel .oab-badge::before {
  content: "";
  position: absolute; inset: 3px;
  border: 1px solid rgba(201,162,74,0.18);
  pointer-events: none;
  border-radius: 1px;
}
.hero-crest-panel .oab-badge-mark {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 18px;
  letter-spacing: 0.14em;
  color: var(--gold-bright);
  padding-right: 10px;
  border-right: 1px solid rgba(201,162,74,0.35);
  text-shadow: 0 1px 0 rgba(0,0,0,0.6);
}
.hero-crest-panel .oab-badge-text {
  display: flex;
  flex-direction: column;
  gap: 2px;
  font-family: var(--font-display);
  text-transform: uppercase;
  line-height: 1.1;
}
.hero-crest-panel .oab-badge-text .top {
  font-size: 8px;
  letter-spacing: 0.28em;
  color: var(--ink-300);
}
.hero-crest-panel .oab-badge-text .num {
  font-size: 11px;
  letter-spacing: 0.18em;
  color: var(--gold);
  font-weight: 600;
}
@media (max-width: 720px) {
  .hero-crest-panel .oab-badge {
    right: 12px; top: 12px;
    padding: 6px 10px;
  }
  .hero-crest-panel .oab-badge-mark { font-size: 14px; }
}

/* =========================================================
   Calculator transparency disclaimer
   ========================================================= */
.disclaimer.transparency {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.disclaimer.transparency p {
  margin: 0;
  font-size: 12.5px;
  line-height: 1.6;
  color: var(--ink-700);
}
.disclaimer.transparency p em {
  font-style: italic;
  color: var(--wenge-700);
}
.disclaimer.transparency .controller {
  padding-top: 10px;
  border-top: 1px dashed rgba(58, 36, 24, 0.18);
  font-size: 11.5px;
  color: var(--ink-500);
}
.disclaimer.transparency a {
  color: var(--gold-deep);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.disclaimer.transparency a:hover { color: var(--wenge-700); }

/* =========================================================
   Google Business reviews card (replaces testimonials)
   ========================================================= */
.reviews-section {
  display: grid;
  place-items: center;
  margin-top: 64px;
}
.google-reviews-card {
  width: 100%;
  max-width: 640px;
  background: linear-gradient(180deg, var(--ivory), var(--paper));
  border: 1px solid var(--line-on-light);
  border-radius: 4px;
  padding: 48px 44px 40px;
  text-align: center;
  position: relative;
  box-shadow:
    var(--emboss-light),
    0 24px 50px rgba(58, 36, 24, 0.12),
    0 6px 14px rgba(58, 36, 24, 0.06);
}
.google-reviews-card::before {
  content: "";
  position: absolute; inset: 12px;
  border: 1px solid rgba(58, 36, 24, 0.08);
  pointer-events: none;
  border-radius: 2px;
}
.google-reviews-card::after {
  content: "";
  position: absolute; left: 50%; bottom: -1px; transform: translateX(-50%);
  width: 60%; height: 1px;
  background: var(--hairline-gold);
  opacity: 0.5;
}
.google-reviews-card .g-mark {
  display: inline-grid;
  place-items: center;
  width: 64px; height: 64px;
  background: #ffffff;
  border-radius: 50%;
  margin: 0 auto 12px;
  box-shadow:
    0 0 0 1px rgba(0,0,0,0.06),
    0 4px 12px rgba(0,0,0,0.08),
    inset 0 -2px 0 rgba(0,0,0,0.04);
  position: relative;
}
.google-reviews-card .g-mark::before {
  content: "";
  position: absolute; inset: -6px;
  border-radius: 50%;
  background: conic-gradient(from 90deg, #4285F4 0deg 90deg, #34A853 90deg 180deg, #FBBC05 180deg 270deg, #EA4335 270deg 360deg);
  z-index: -1;
  opacity: 0.18;
  filter: blur(8px);
}
.google-reviews-card .g-letter {
  font-family: "Cormorant Garamond", "Georgia", serif;
  font-weight: 700;
  font-size: 36px;
  line-height: 1;
  background: linear-gradient(135deg, #4285F4 0%, #4285F4 25%, #34A853 50%, #FBBC05 75%, #EA4335 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  letter-spacing: -0.04em;
}
.google-reviews-card .g-stars {
  display: inline-flex;
  gap: 4px;
  margin: 8px 0 14px;
  font-size: 22px;
  color: #F5B400;
  letter-spacing: 0.02em;
  text-shadow: 0 1px 0 rgba(58, 36, 24, 0.1);
}
.google-reviews-card h4 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 22px;
  letter-spacing: 0.04em;
  color: var(--wenge-900);
  margin: 0 0 14px;
  text-transform: none;
}
.google-reviews-card p {
  font-family: var(--font-serif);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink-700);
  margin: 0 auto 28px;
  max-width: 480px;
}
.google-reviews-card .btn { display: inline-flex; }
@media (max-width: 720px) {
  .google-reviews-card { padding: 36px 24px 32px; }
  .google-reviews-card h4 { font-size: 18px; }
  .google-reviews-card p { font-size: 14.5px; }
}

/* =========================================================
   Firm contact block (Authority section — dark background)
   ========================================================= */
.firm-contact {
  margin-top: 36px;
  padding-top: 28px;
  border-top: 1px solid rgba(201,162,74,0.18);
}
.firm-contact h4 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 18px;
}
.firm-contact dl {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px 28px;
  margin: 0;
}
.firm-contact dl > div { display: flex; flex-direction: column; gap: 4px; }
.firm-contact dt {
  font-family: var(--font-display);
  font-size: 9.5px;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold-deep);
}
.firm-contact dd {
  font-family: var(--font-serif);
  font-size: 14.5px;
  color: rgba(244,236,216,0.82);
  margin: 0;
  line-height: 1.5;
}
.firm-contact dd a {
  color: #efd9a0;
  text-decoration: none;
  border-bottom: 1px solid rgba(201,162,74,0.3);
  transition: color .2s ease, border-color .2s ease;
}
.firm-contact dd a:hover { color: var(--gold-bright); border-color: var(--gold); }
.firm-public-links {
  margin-top: 24px;
  padding-top: 18px;
  border-top: 1px dashed rgba(201,162,74,0.2);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 12px;
  font-family: var(--font-display);
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.firm-public-links a {
  color: #e0c277;
  text-decoration: none;
  border-bottom: 1px solid rgba(201,162,74,0.3);
  padding-bottom: 1px;
  transition: color .2s ease, border-color .2s ease;
}
.firm-public-links a:hover { color: var(--gold-bright); border-color: var(--gold-bright); }
.firm-public-links span { color: rgba(201,162,74,0.3); }

/* Icon-only variant: bigger tappable circle, no underline */
.firm-public-links--icons {
  gap: 6px 14px;
}
.firm-public-links--icons a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  padding: 0;
  border: 1px solid rgba(201,162,74,0.3);
  border-radius: 50%;
  background: rgba(0,0,0,0.18);
  transition: color .2s ease, border-color .2s ease, background .2s ease, transform .2s ease;
}
.firm-public-links--icons a svg {
  width: 18px;
  height: 18px;
  display: block;
}
.firm-public-links--icons a:hover {
  background: rgba(201,162,74,0.12);
  border-color: var(--gold);
  transform: translateY(-1px);
}
.firm-public-links--icons .sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}
.firm-public-links--icons span[aria-hidden] {
  font-family: var(--font-serif);
  font-size: 14px;
  opacity: 0.5;
}
@media (max-width: 720px) {
  .firm-contact dl { grid-template-columns: 1fr; gap: 14px; }
}

/* =========================================================
   Footer — 4-column grid + firm details
   ========================================================= */
.footer-grid {
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
}
.footer-firm-line {
  font-size: 12px !important;
  letter-spacing: 0.02em;
  color: rgba(244,236,216,0.45) !important;
  margin-top: 8px;
}
@media (max-width: 980px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
}
@media (max-width: 640px) {
  .footer-grid { grid-template-columns: 1fr; }
}