/* =========================================================
   Asset 4 Finance Roundup — Ember & Espresso
   Warm dark luxury · serif display · ember + brass accents
   Header: scrolling utility bar + genuinely sticky nav
   ========================================================= */
:root {
  --bg: #150b22;
  --bg-2: #1e1030;
  --surface: #29163d;
  --surface-2: #35204c;
  --surface-3: #432b5e;
  --ink: #f8f0ff;
  --ink-2: #e9d9f8;
  --muted: #b9a0d0;
  --muted-2: #9276ac;
  --line: rgba(248, 240, 255, .10);
  --line-2: rgba(248, 240, 255, .18);
  --line-warm: rgba(192, 132, 252, .25);
  --ember: #b978f7;
  --ember-soft: #c084fc;
  --ember-deep: #8538d4;
  --brass: #d8b4fe;
  --rust: #8747b5;
  --display: "Fraunces", Georgia, serif;
  --body: "DM Sans", system-ui, sans-serif;
  --mono: "JetBrains Mono", monospace;
  --shadow-1: 0 2px 10px rgba(0, 0, 0, .25);
  --shadow-2: 0 18px 44px rgba(0, 0, 0, .32);
  --shadow-3: 0 34px 80px rgba(0, 0, 0, .40);
  --shadow-ember: 0 14px 40px rgba(168, 85, 247, .18);
}

* {
  box-sizing: border-box
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 92px
}

body {
  margin: 0;
  min-width: 320px;
  overflow-x: hidden;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--body);
  font-size: 16px;
  line-height: 1.68;
  -webkit-font-smoothing: antialiased
}

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

button,
input,
select,
textarea {
  font: inherit;
  color: inherit
}

button {
  cursor: pointer;
  border: 0;
  background: none
}

img {
  display: block;
  max-width: 100%
}

::selection {
  background: var(--ember);
  color: #150d05
}

:focus-visible {
  outline: 2px solid var(--ember);
  outline-offset: 3px;
  border-radius: 4px
}

.container {
  max-width: 1200px
}

section {
  position: relative;
  padding: 100px 0
}

.section-sm {
  position: relative;
  padding: 64px 0
}

.bg-2 {
  background: var(--bg-2)
}

/* paper grain */
body::before {
  content: "";
  position: fixed;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  opacity: .055;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.8' numOctaves='3'/%3E%3C/filter%3E%3Crect width='180' height='180' filter='url(%23n)'/%3E%3C/svg%3E")
}

main,
footer {
  position: relative;
  z-index: 1
}

/* ambient ember orbs */
.ember-orb {
  position: fixed;
  border-radius: 50%;
  filter: blur(110px);
  z-index: 0;
  pointer-events: none;
  opacity: .16
}

.ember-orb.a {
  width: 520px;
  height: 520px;
  top: -160px;
  right: -120px;
  background: radial-gradient(circle, var(--ember), transparent 68%);
  animation: ember-drift 24s ease-in-out infinite
}

.ember-orb.b {
  width: 460px;
  height: 460px;
  top: 44%;
  left: -180px;
  background: radial-gradient(circle, var(--rust), transparent 68%);
  animation: ember-drift 30s ease-in-out infinite reverse
}

@keyframes ember-drift {

  0%,
  100% {
    transform: translate(0, 0) scale(1)
  }

  50% {
    transform: translate(50px, 36px) scale(1.1)
  }
}

/* ===================== HEADER ===================== */
.utility-bar {
  position: relative;
  z-index: 2;
  background: linear-gradient(90deg, #1c130c, #241812);
  border-bottom: 1px solid var(--line);
  font-family: var(--mono);
  font-size: .63rem;
  letter-spacing: .06em;
  color: var(--muted)
}

.utility-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  min-height: 36px;
  flex-wrap: wrap
}

.utility-left,
.utility-right {
  display: flex;
  align-items: center;
  gap: 18px
}

.utility-left i {
  color: var(--ember);
  font-size: .62rem;
  margin-right: 6px
}

.utility-right a:hover {
  color: var(--ember-soft)
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 1030;
  background: rgba(13, 9, 6, .86);
  -webkit-backdrop-filter: blur(16px) saturate(150%);
  backdrop-filter: blur(16px) saturate(150%);
  border-bottom: 1px solid var(--line);
  transition: background .3s, box-shadow .3s, border-color .3s
}

.site-header.is-scrolled {
  background: rgba(13, 9, 6, .97);
  box-shadow: 0 10px 34px rgba(0, 0, 0, .5);
  border-bottom-color: var(--line-warm)
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  min-height: 74px
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 11px
}

.brand-mark {
  position: relative;
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  flex: 0 0 40px;
  border: 1.5px solid var(--line-warm);
  border-radius: 12px;
  background: linear-gradient(150deg, var(--surface-3), var(--surface));
  color: var(--ember);
  font-family: var(--display);
  font-size: 1.1rem;
  font-weight: 600;
  transition: .3s
}

.brand-mark::after {
  content: "";
  position: absolute;
  inset: 4px;
  border: 1px solid rgba(232, 135, 58, .2);
  border-radius: 8px
}

.brand:hover .brand-mark {
  border-color: var(--ember);
  box-shadow: var(--shadow-ember);
  transform: rotate(-4deg)
}

.brand-copy {
  display: flex;
  flex-direction: column;
  line-height: 1.1
}

.brand-name {
  font-family: var(--display);
  font-size: 1.05rem;
  font-weight: 600;
  letter-spacing: -.01em;
  color: var(--ink)
}

.brand-tag {
  margin-top: 2px;
  font-family: var(--mono);
  font-size: .53rem;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--muted-2)
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
  margin: 0;
  padding: 0;
  list-style: none
}

.nav-links a {
  position: relative;
  display: block;
  padding: 9px 13px;
  border-radius: 8px;
  color: var(--muted);
  font-size: .83rem;
  font-weight: 500;
  transition: .2s
}

.nav-links a:hover {
  color: var(--ink);
  background: rgba(255, 255, 255, .04)
}

.nav-links a.active {
  color: var(--ember-soft)
}

.nav-links a.active::after {
  content: "";
  position: absolute;
  left: 13px;
  right: 13px;
  bottom: 3px;
  height: 1.5px;
  border-radius: 2px;
  background: var(--ember)
}

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  min-height: 44px;
  padding: 0 19px;
  border-radius: 8px;
  background: linear-gradient(140deg, var(--ember), var(--ember-deep));
  color: #170d04;
  font-size: .79rem;
  font-weight: 700;
  box-shadow: var(--shadow-ember);
  transition: .25s
}

.nav-cta:hover {
  transform: translateY(-2px);
  color: #170d04;
  box-shadow: 0 18px 42px rgba(232, 135, 58, .3)
}

.nav-cta i {
  transition: transform .25s
}

.nav-cta:hover i {
  transform: translateX(3px)
}

.menu-btn {
  display: none;
  place-items: center;
  width: 42px;
  height: 42px;
  border: 1px solid var(--line-2);
  border-radius: 10px;
  background: var(--surface);
  color: var(--ink);
  font-size: 1rem
}

.menu-btn:hover {
  border-color: var(--ember);
  color: var(--ember)
}

/* offcanvas */
.mobile-nav {
  width: min(360px, 100%);
  background: var(--bg-2);
  border-left: 1px solid var(--line-warm);
  color: var(--ink)
}

.mobile-nav .offcanvas-header {
  padding: 20px;
  border-bottom: 1px solid var(--line)
}

.mobile-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
  padding: 14px 4px;
  border-bottom: 1px solid var(--line);
  font-family: var(--display);
  font-size: 1rem;
  font-weight: 600
}

.mobile-link i {
  color: var(--ember);
  font-size: .7rem
}

.mobile-link:hover,
.mobile-link.active {
  color: var(--ember-soft);
  padding-left: 6px
}

/* ===================== TYPE ===================== */
.kicker {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin-bottom: 16px;
  color: var(--ember);
  font-family: var(--mono);
  font-size: .65rem;
  font-weight: 500;
  letter-spacing: .16em;
  text-transform: uppercase
}

.kicker::before {
  content: "";
  width: 22px;
  height: 1px;
  background: currentColor
}

.kicker-brass {
  color: var(--brass)
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 6px 11px;
  border: 1px solid var(--line-warm);
  border-radius: 99px;
  background: var(--surface);
  color: var(--ember-soft);
  font-family: var(--mono);
  font-size: .61rem;
  letter-spacing: .05em
}

.eyebrow i {
  color: var(--ember)
}

h1,
h2,
h3,
h4 {
  margin: 0;
  font-family: var(--display);
  font-weight: 600;
  letter-spacing: -.02em;
  line-height: 1.1;
  color: var(--ink)
}

.hero h1,
.page-hero h1 {
  font-size: clamp(2.5rem, 5.6vw, 4.4rem);
  font-weight: 600;
  line-height: 1.02;
  letter-spacing: -.03em
}

.hero h1 em,
.page-hero h1 em {
  font-style: italic;
  color: var(--ember)
}

.h-title {
  font-size: clamp(2rem, 4.2vw, 3.4rem);
  line-height: 1.06
}

.h-title em {
  font-style: italic;
  color: var(--ember)
}

.h-title-sm {
  font-size: clamp(1.6rem, 3.2vw, 2.5rem);
  line-height: 1.08
}

.lead {
  max-width: 620px;
  margin: 18px 0 0;
  color: var(--muted);
  font-size: 1rem;
  line-height: 1.78
}

.section-head {
  max-width: 760px;
  margin-bottom: 44px
}

.section-head.center {
  text-align: center;
  margin-inline: auto
}

.section-head.center .kicker {
  justify-content: center
}

.section-head.center .lead {
  margin-inline: auto
}

.section-head.center .eyebrow {
  margin-inline: auto
}

/* ===================== BUTTONS ===================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 50px;
  padding: 0 23px;
  border: 1px solid transparent;
  border-radius: 8px;
  font-family: var(--body);
  font-size: .85rem;
  font-weight: 600;
  letter-spacing: .01em;
  transition: transform .22s, box-shadow .22s, background .22s, color .22s, border-color .22s
}

.btn i {
  transition: transform .22s
}

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

.btn:hover i.fa-arrow-right {
  transform: translateX(3px)
}

.btn:disabled {
  opacity: .55;
  transform: none
}

.btn-ember {
  background: linear-gradient(140deg, var(--ember), var(--ember-deep));
  color: #170d04;
  box-shadow: var(--shadow-ember)
}

.btn-ember:hover {
  color: #170d04;
  box-shadow: 0 18px 42px rgba(232, 135, 58, .32)
}

.btn-brass {
  background: linear-gradient(140deg, var(--brass), #b8902f);
  color: #1a1204;
  box-shadow: 0 12px 30px rgba(212, 169, 79, .2)
}

.btn-brass:hover {
  color: #1a1204
}

.btn-outline {
  border-color: var(--line-2);
  background: transparent;
  color: var(--ink)
}

.btn-outline:hover {
  border-color: var(--ember);
  color: var(--ember-soft);
  background: rgba(232, 135, 58, .06)
}

.btn-ghost {
  background: transparent;
  color: var(--ink);
  padding-inline: 6px
}

.btn-ghost:hover {
  color: var(--ember-soft)
}

.btn-sm {
  min-height: 40px;
  padding: 0 15px;
  font-size: .76rem
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  color: var(--ember);
  font-size: .82rem;
  font-weight: 600
}

.text-link i {
  transition: transform .22s
}

.text-link:hover i {
  transform: translateX(4px)
}

/* ===================== HERO ===================== */
.split-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center
}

.news-shell {
  position: relative;
  padding: clamp(24px, 4vw, 48px);
  border: 1px solid var(--line-warm);
  border-radius: 22px;
  background: linear-gradient(155deg, var(--surface-2), var(--bg-2));
  overflow: hidden
}

.news-shell::after {
  content: "";
  position: absolute;
  right: -90px;
  top: -100px;
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(232, 135, 58, .14), transparent 66%)
}

.news-shell>* {
  position: relative;
  z-index: 1
}

.hero {
  position: relative;
  padding: 56px 0 84px;
  overflow: hidden
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.02fr .98fr;
  gap: 56px;
  align-items: center
}

.hero-media {
  position: relative
}

.hero-frame {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-3);
  border: 1px solid var(--line-warm)
}

.hero-frame img {
  width: 100%;
  height: 520px;
  object-fit: cover;
  filter: sepia(.3) saturate(1.2) hue-rotate(-8deg) brightness(.82) contrast(1.05)
}

.hero-frame::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 45%, rgba(13, 9, 6, .72))
}

.hero-badge {
  position: absolute;
  z-index: 3;
  right: -14px;
  bottom: -18px;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 15px 19px;
  border: 1px solid var(--line-warm);
  border-radius: 14px;
  background: rgba(26, 21, 16, .94);
  -webkit-backdrop-filter: blur(12px);
  backdrop-filter: blur(12px);
  box-shadow: var(--shadow-2)
}

.hero-badge .b-ico {
  display: grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 11px;
  background: linear-gradient(140deg, var(--ember), var(--ember-deep));
  color: #170d04
}

.hero-badge b {
  display: block;
  font-family: var(--display);
  font-size: .9rem;
  font-weight: 600
}

.hero-badge small {
  display: block;
  margin-top: 2px;
  color: var(--muted);
  font-family: var(--mono);
  font-size: .6rem
}

.hero-rule {
  height: 1px;
  margin: 34px 0 0;
  background: linear-gradient(90deg, var(--line-warm), transparent)
}

.hero-meta {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 26px
}

.hero-meta div b {
  display: block;
  font-family: var(--display);
  font-size: 1.85rem;
  font-weight: 600;
  letter-spacing: -.03em;
  color: var(--ember-soft)
}

.hero-meta div span {
  display: block;
  margin-top: 5px;
  color: var(--muted-2);
  font-family: var(--mono);
  font-size: .6rem;
  letter-spacing: .1em;
  text-transform: uppercase
}

/* marquee */
.ember-marquee {
  margin: 12px 0 0;
  padding: 14px 0;
  overflow: hidden;
  border-block: 1px solid var(--line-warm);
  background: linear-gradient(90deg, rgba(232, 135, 58, .06), transparent 40%, rgba(232, 135, 58, .06))
}

.ember-track {
  display: flex;
  gap: 26px;
  width: max-content;
  animation: ember-scroll 46s linear infinite
}

.ember-marquee:hover .ember-track {
  animation-play-state: paused
}

.ember-track span {
  display: inline-flex;
  align-items: center;
  gap: 24px;
  white-space: nowrap;
  font-family: var(--display);
  font-size: .92rem;
  font-weight: 600;
  letter-spacing: .02em;
  color: var(--ink-2)
}

.ember-track i {
  color: var(--ember);
  font-size: .5rem
}

@keyframes ember-scroll {
  to {
    transform: translateX(-50%)
  }
}

/* ===================== PAGE HERO ===================== */
.page-hero {
  position: relative;
  padding: 76px 0 70px;
  overflow: hidden;
  background: linear-gradient(180deg, var(--bg-2), var(--bg))
}

.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(232, 135, 58, .12) 1px, transparent 1px);
  background-size: 19px 19px;
  -webkit-mask-image: radial-gradient(ellipse 80% 70% at 50% 0%, #000, transparent 72%);
  mask-image: radial-gradient(ellipse 80% 70% at 50% 0%, #000, transparent 72%)
}

.page-hero .container {
  position: relative;
  z-index: 1
}

.page-hero p {
  max-width: 600px;
  margin: 20px 0 0;
  color: var(--muted)
}

.crumbs {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 9px;
  margin-bottom: 18px;
  color: var(--muted-2);
  font-family: var(--mono);
  font-size: .62rem;
  letter-spacing: .08em;
  text-transform: uppercase
}

.crumbs a:hover {
  color: var(--ember)
}

.crumbs i {
  font-size: .45rem;
  color: var(--ember)
}

.chips {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 24px
}

.chips span {
  padding: 8px 13px;
  border: 1px solid var(--line-warm);
  border-radius: 99px;
  background: var(--surface);
  color: var(--ink-2);
  font-family: var(--mono);
  font-size: .62rem;
  letter-spacing: .04em
}

/* ===================== SERVICE CARDS ===================== */
.svc-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px
}

.svc-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 290px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: var(--surface);
  transition: transform .3s, box-shadow .3s, border-color .3s
}

.svc-card:hover {
  transform: translateY(-6px);
  border-color: var(--line-warm);
  box-shadow: var(--shadow-2)
}

.svc-media {
  position: relative;
  height: 140px;
  overflow: hidden
}

.svc-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: sepia(.32) saturate(1.18) hue-rotate(-8deg) brightness(.78) contrast(1.04);
  transition: transform .5s
}

.svc-card:hover .svc-media img {
  transform: scale(1.06)
}

.svc-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(13, 9, 6, .25), rgba(13, 9, 6, .8))
}

.svc-count {
  position: absolute;
  z-index: 2;
  left: 14px;
  bottom: 12px;
  padding: 5px 10px;
  border-radius: 99px;
  background: rgba(13, 9, 6, .82);
  border: 1px solid var(--line-warm);
  color: var(--ember-soft);
  font-family: var(--mono);
  font-size: .6rem
}

.svc-body {
  display: flex;
  flex: 1;
  flex-direction: column;
  padding: 20px
}

.svc-ico {
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  border-radius: 11px;
  border: 1px solid var(--line-warm);
  background: var(--surface-2);
  color: var(--ember);
  font-size: .95rem;
  transition: .3s
}

.svc-card:hover .svc-ico {
  background: linear-gradient(140deg, var(--ember), var(--ember-deep));
  color: #170d04;
  border-color: transparent
}

.svc-body h3 {
  margin: 14px 0 7px;
  font-size: 1.06rem
}

.svc-body p {
  margin: 0 0 16px;
  color: var(--muted);
  font-size: .8rem;
  line-height: 1.6;
  flex: 1
}

.svc-go {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--ember);
  font-size: .73rem;
  font-weight: 600
}

.svc-go i {
  transition: transform .22s
}

.svc-card:hover .svc-go i {
  transform: translateX(4px)
}

/* ===================== GLASS CARDS ===================== */
.glass-card {
  position: relative;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: linear-gradient(165deg, var(--surface), var(--bg-2));
  transition: transform .3s, box-shadow .3s, border-color .3s
}

.glass-card:hover {
  transform: translateY(-5px);
  border-color: var(--line-warm);
  box-shadow: var(--shadow-2)
}

.glass-card .ic {
  display: grid;
  place-items: center;
  width: 46px;
  height: 46px;
  border-radius: 13px;
  border: 1px solid var(--line-warm);
  background: var(--surface-2);
  color: var(--ember);
  font-size: 1.05rem;
  transition: .3s
}

.glass-card:hover .ic {
  background: linear-gradient(140deg, var(--ember), var(--ember-deep));
  color: #170d04;
  border-color: transparent
}

.glass-card h3 {
  margin: 18px 0 9px;
  font-size: 1.06rem
}

.glass-card p {
  margin: 0;
  color: var(--muted);
  font-size: .85rem;
  line-height: 1.65
}

.card-num {
  position: absolute;
  top: 22px;
  right: 24px;
  font-family: var(--mono);
  font-size: .62rem;
  color: var(--muted-2)
}

/* stats */
.stat-band {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border: 1px solid var(--line-warm);
  border-radius: 18px;
  background: linear-gradient(165deg, var(--surface), var(--bg-2));
  overflow: hidden
}

.stat-cell {
  padding: 30px 22px;
  border-right: 1px solid var(--line);
  text-align: center
}

.stat-cell:last-child {
  border-right: 0
}

.stat-cell b {
  display: block;
  font-family: var(--display);
  font-size: 2.3rem;
  font-weight: 600;
  letter-spacing: -.03em;
  line-height: 1;
  background: linear-gradient(140deg, var(--ember-soft), var(--brass));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent
}

.stat-cell span {
  display: block;
  margin-top: 10px;
  color: var(--muted);
  font-family: var(--mono);
  font-size: .6rem;
  letter-spacing: .1em;
  text-transform: uppercase
}

.micro-note {
  margin: 12px 0 0;
  color: var(--muted-2);
  font-family: var(--mono);
  font-size: .6rem;
  text-align: center
}

/* goal picker */
.goal-panel {
  position: relative;
  padding: clamp(24px, 4vw, 40px);
  border: 1px solid var(--line-warm);
  border-radius: 22px;
  background: linear-gradient(160deg, var(--surface-2), var(--bg-2));
  overflow: hidden
}

.goal-panel::after {
  content: "";
  position: absolute;
  right: -70px;
  bottom: -90px;
  width: 250px;
  height: 250px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(232, 135, 58, .16), transparent 68%)
}

.goal-panel>* {
  position: relative;
  z-index: 1
}

.goal-options {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 20px
}

.goal-btn {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 10px 14px;
  border: 1px solid var(--line-2);
  border-radius: 99px;
  background: var(--surface);
  color: var(--ink-2);
  font-size: .75rem;
  font-weight: 600;
  transition: .25s
}

.goal-btn:hover {
  border-color: var(--ember);
  color: var(--ember-soft)
}

.goal-btn.active {
  background: linear-gradient(140deg, var(--ember), var(--ember-deep));
  border-color: transparent;
  color: #170d04
}

.goal-result {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-top: 22px;
  padding: 18px;
  border: 1px solid var(--line-warm);
  border-radius: 16px;
  background: rgba(232, 135, 58, .05)
}

.goal-icon {
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  flex: 0 0 44px;
  border-radius: 13px;
  background: linear-gradient(140deg, var(--ember), var(--ember-deep));
  color: #170d04;
  font-size: 1rem;
  transition: .3s
}

.goal-copy {
  flex: 1
}

.goal-copy .gk {
  display: block;
  color: var(--muted-2);
  font-family: var(--mono);
  font-size: .58rem;
  letter-spacing: .1em;
  text-transform: uppercase
}

.goal-copy h3 {
  margin: 4px 0 4px;
  font-size: 1.02rem
}

.goal-copy p {
  margin: 0;
  color: var(--muted);
  font-size: .76rem;
  line-height: 1.55
}

/* chart */
.graph-card {
  height: 100%;
  padding: 26px;
  border: 1px solid var(--line-warm);
  border-radius: 20px;
  background: linear-gradient(165deg, var(--surface), var(--bg-2))
}

.graph-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px
}

.graph-head span {
  display: block;
  color: var(--muted-2);
  font-family: var(--mono);
  font-size: .6rem;
  letter-spacing: .08em;
  text-transform: uppercase
}

.graph-head strong {
  display: block;
  margin-top: 4px;
  font-family: var(--display);
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--ember-soft)
}

.graph-tabs {
  display: flex;
  gap: 4px;
  padding: 4px;
  border: 1px solid var(--line);
  border-radius: 99px;
  background: var(--bg)
}

.graph-tabs button {
  padding: 6px 11px;
  border-radius: 99px;
  background: transparent;
  color: var(--muted);
  font-family: var(--mono);
  font-size: .6rem;
  transition: .2s
}

.graph-tabs button.active {
  background: linear-gradient(140deg, var(--ember), var(--ember-deep));
  color: #170d04
}

.money-graph {
  display: block;
  width: 100%;
  height: auto;
  margin-top: 14px
}

.graph-grid {
  stroke: rgba(247, 241, 232, .07);
  stroke-width: 1
}

.graph-label {
  fill: #7d6f60;
  font-family: var(--mono);
  font-size: 9px
}

.graph-area {
  fill: url(#emberArea)
}

.graph-line {
  fill: none;
  stroke: var(--ember);
  stroke-width: 3;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-dasharray: 1200;
  stroke-dashoffset: 1200;
  animation: draw-graph 1.5s ease forwards;
  filter: drop-shadow(0 3px 8px rgba(232, 135, 58, .35))
}

.graph-baseline {
  fill: none;
  stroke: var(--muted-2);
  stroke-width: 1.8;
  stroke-dasharray: 6 6
}

.graph-point {
  fill: var(--brass);
  stroke: var(--bg);
  stroke-width: 3
}

.graph-legend {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 10px;
  color: var(--muted);
  font-size: .66rem
}

.graph-legend span {
  display: inline-flex;
  align-items: center;
  gap: 7px
}

.graph-legend i {
  width: 14px;
  height: 3px;
  border-radius: 3px;
  background: var(--ember)
}

.graph-legend i.second {
  background: var(--muted-2)
}

.graph-note {
  margin: 10px 0 0;
  color: var(--muted-2);
  font-size: .63rem;
  line-height: 1.55
}

.note-card {
  height: 100%;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 26px;
  border: 1px solid var(--line-warm);
  border-radius: 20px;
  background: linear-gradient(160deg, var(--surface-2), var(--bg-2))
}

.note-card .em {
  font-size: 2.4rem;
  line-height: 1
}

.note-card h3 {
  margin: 14px 0 8px;
  font-size: 1.15rem
}

.note-card p {
  margin: 0;
  color: var(--muted);
  font-size: .8rem;
  line-height: 1.65
}

.note-card .text-link {
  margin-top: 16px;
  font-size: .72rem
}

/* FAQ accordion */
.faq-list {
  border-top: 1px solid var(--line-warm)
}

.faq-item {
  border-bottom: 1px solid var(--line)
}

.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 0;
  background: transparent;
  color: var(--ink);
  font-family: var(--display);
  font-size: 1.02rem;
  font-weight: 600;
  letter-spacing: -.01em;
  text-align: left
}

.faq-q i {
  width: 32px;
  height: 32px;
  flex: 0 0 32px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  border: 1px solid var(--line-2);
  color: var(--ember);
  font-size: .72rem;
  transition: .3s
}

.faq-item.open .faq-q {
  color: var(--ember-soft)
}

.faq-item.open .faq-q i {
  background: var(--ember);
  border-color: var(--ember);
  color: #170d04;
  transform: rotate(45deg)
}

.faq-a {
  display: grid;
  grid-template-rows: 0fr;
  transition: grid-template-rows .3s ease
}

.faq-a>p {
  overflow: hidden;
  margin: 0;
  padding-right: 40px;
  color: var(--muted);
  font-size: .85rem;
  line-height: 1.7
}

.faq-item.open .faq-a {
  grid-template-rows: 1fr
}

.faq-item.open .faq-a>p {
  padding-bottom: 20px
}

/* checklists / quote cards */
.check-list {
  display: grid;
  gap: 13px;
  margin: 24px 0 0;
  padding: 0;
  list-style: none
}

.check-list li {
  display: grid;
  grid-template-columns: 22px 1fr;
  gap: 12px;
  color: var(--ink-2);
  font-size: .88rem;
  line-height: 1.65
}

.check-list i {
  margin-top: 5px;
  color: var(--ember);
  font-size: .78rem
}

.quote-card {
  height: 100%;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: var(--surface);
  transition: .3s
}

.quote-card:hover {
  transform: translateY(-5px);
  border-color: var(--line-warm);
  box-shadow: var(--shadow-2)
}

.quote-card .tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 5px 11px;
  border-radius: 99px;
  border: 1px solid var(--line-warm);
  background: var(--surface-2);
  color: var(--ember-soft);
  font-family: var(--mono);
  font-size: .6rem
}

.quote-card h3 {
  margin: 14px 0 8px;
  font-size: 1.02rem
}

.quote-card p {
  margin: 0 0 16px;
  color: var(--muted);
  font-size: .84rem;
  line-height: 1.65
}

/* ===================== FORMS ===================== */
.form-panel {
  padding: clamp(24px, 3vw, 36px);
  border: 1px solid var(--line-warm);
  border-radius: 20px;
  background: linear-gradient(165deg, var(--surface), var(--bg-2));
  box-shadow: var(--shadow-2)
}

.form-panel h3 {
  margin: 0 0 6px;
  font-size: 1.3rem
}

.form-panel>p {
  margin: 0 0 20px;
  color: var(--muted);
  font-size: .8rem
}

.form-label {
  margin-bottom: 6px;
  color: var(--ink-2);
  font-family: var(--mono);
  font-size: .6rem;
  font-weight: 500;
  letter-spacing: .1em;
  text-transform: uppercase
}

.form-control,
.form-select {
  min-height: 48px;
  padding: 11px 14px;
  border: 1px solid var(--line-2);
  border-radius: 10px;
  background: var(--bg);
  color: var(--ink);
  font-family: var(--body);
  font-size: .88rem;
  box-shadow: none;
  transition: .2s
}

.form-control::placeholder {
  color: var(--muted-2)
}

.form-control:focus,
.form-select:focus {
  border-color: var(--ember);
  background: var(--surface);
  color: var(--ink);
  box-shadow: 0 0 0 3px rgba(232, 135, 58, .13)
}

.form-select:disabled {
  background: var(--bg-2);
  opacity: .6
}

.form-select option {
  background: var(--surface);
  color: var(--ink)
}

textarea.form-control {
  min-height: 110px;
  resize: vertical
}

.form-check-input {
  width: 1.05em;
  height: 1.05em;
  margin-top: .25em;
  border: 1.5px solid var(--line-2);
  background-color: var(--bg)
}

.form-check-input:checked {
  background-color: var(--ember);
  border-color: var(--ember)
}

.form-check-input:focus {
  border-color: var(--ember);
  box-shadow: 0 0 0 3px rgba(232, 135, 58, .15)
}

.form-check-label {
  color: var(--muted);
  font-size: .78rem;
  line-height: 1.55
}

.invalid-feedback {
  font-size: .7rem
}

.form-note {
  margin: 4px 0 0;
  color: var(--muted-2);
  font-size: .68rem;
  line-height: 1.55
}

.form-result {
  display: flex;
  gap: 10px;
  margin-top: 14px;
  padding: 13px 15px;
  border: 1px solid rgba(52, 211, 153, .3);
  border-radius: 11px;
  background: rgba(52, 211, 153, .08);
  color: #8ee0b8;
  font-size: .8rem;
  line-height: 1.55
}

.form-result.err {
  border-color: rgba(232, 84, 60, .35);
  background: rgba(232, 84, 60, .08);
  color: #f3a495
}

.form-result i {
  margin-top: 2px
}

.info-list {
  display: grid;
  gap: 10px
}

.info-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 16px 18px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--surface);
  transition: .25s
}

.info-item:hover {
  border-color: var(--line-warm);
  transform: translateX(4px)
}

.info-item .ic {
  display: grid;
  place-items: center;
  width: 40px;
  height: 40px;
  flex: 0 0 40px;
  border-radius: 11px;
  border: 1px solid var(--line-warm);
  background: var(--surface-2);
  color: var(--ember);
  font-size: .9rem
}

.info-item b {
  display: block;
  font-size: .86rem
}

.info-item span {
  color: var(--muted);
  font-size: .8rem
}

/* ===================== DIRECTORY ===================== */
.filter-bar {
  /* position: sticky; */
  top: 88px;
  z-index: 30;
  display: flex;
  gap: 6px;
  overflow-x: auto;
  margin-bottom: 26px;
  padding: 7px;
  border: 1px solid var(--line-warm);
  border-radius: 14px;
  background: rgba(13, 9, 6, .92);
  -webkit-backdrop-filter: blur(12px);
  backdrop-filter: blur(12px);
  scrollbar-width: none
}

.filter-bar::-webkit-scrollbar {
  display: none
}

.filter-pill {
  flex: 0 0 auto;
  padding: 8px 12px;
  border: 1px solid var(--line);
  border-radius: 9px;
  background: var(--surface);
  color: var(--muted);
  font-family: var(--mono);
  font-size: .62rem;
  white-space: nowrap;
  transition: .2s
}

.filter-pill span {
  margin-left: 5px;
  color: var(--ember)
}

.filter-pill:hover {
  border-color: var(--ember);
  color: var(--ember-soft)
}

.filter-pill.active {
  background: linear-gradient(140deg, var(--ember), var(--ember-deep));
  border-color: transparent;
  color: #170d04
}

.filter-pill.active span {
  color: rgba(23, 13, 4, .65)
}

.directory-section {
  margin: 0 0 26px;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--surface);
  scroll-margin-top: 140px
}

.directory-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 16px;
  padding-bottom: 18px;
  margin-bottom: 18px;
  border-bottom: 1px solid var(--line-warm)
}

.directory-head h2 {
  margin: 8px 0 6px;
  font-size: clamp(1.4rem, 2.6vw, 1.9rem)
}

.directory-head p {
  max-width: 640px;
  margin: 0;
  color: var(--muted);
  font-size: .78rem
}

.directory-head .btn-outline {
  min-height: 40px;
  padding: 0 13px;
  font-size: .7rem;
  white-space: nowrap
}

.route-card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 11px
}

.route-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 165px;
  padding: 16px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--bg-2);
  transition: .22s
}

.route-card:hover {
  transform: translateY(-3px);
  border-color: var(--line-warm);
  background: var(--surface-2)
}

.route-ico {
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 10px;
  border: 1px solid var(--line-warm);
  background: var(--surface-2);
  color: var(--ember);
  font-size: .82rem
}

.route-index {
  position: absolute;
  top: 16px;
  right: 15px;
  color: var(--muted-2);
  font-family: var(--mono);
  font-size: .6rem
}

.route-card h3 {
  margin: 11px 0 5px;
  font-size: .86rem
}

.route-card p {
  margin: 0 0 10px;
  color: var(--muted);
  font-size: .69rem;
  line-height: 1.55;
  flex: 1
}

.route-go {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: auto;
  color: var(--ember);
  font-size: .66rem;
  font-weight: 600
}

.route-go i {
  font-size: .58rem;
  transition: transform .2s
}

.route-card:hover .route-go i {
  transform: translateX(3px)
}

.dir-table {
  border: 1px solid var(--line);
  border-radius: 16px;
  overflow: hidden;
  background: var(--surface)
}

.dir-row {
  display: grid;
  grid-template-columns: 46px 1fr 110px 40px;
  align-items: center;
  gap: 14px;
  padding: 15px 18px;
  border-bottom: 1px solid var(--line);
  transition: .2s
}

.dir-row:last-child {
  border-bottom: 0
}

.dir-row:hover {
  background: var(--surface-2);
  padding-left: 24px
}

.dir-row .rn {
  color: var(--ember);
  font-family: var(--mono);
  font-size: .68rem
}

.dir-row .rt {
  font-family: var(--display);
  font-size: .92rem;
  font-weight: 600
}

.dir-row .rc {
  color: var(--muted);
  font-family: var(--mono);
  font-size: .66rem
}

.dir-row .ra {
  display: grid;
  place-items: center;
  width: 30px;
  height: 30px;
  border-radius: 9px;
  border: 1px solid var(--line-warm);
  color: var(--ember);
  font-size: .66rem;
  transition: .2s
}

.dir-row:hover .ra {
  background: var(--ember);
  color: #170d04;
  border-color: transparent
}

/* ===================== LEGAL ===================== */
.legal-layout {
  display: grid;
  grid-template-columns: 350px 1fr;
  gap: 26px;
  align-items: start
}

.legal-toc {
  position: sticky;
  top: 96px;
  padding: 22px;
  border: 1px solid var(--line-warm);
  border-radius: 16px;
  background: var(--surface)
}

.legal-toc h4 {
  margin: 0 0 14px;
  color: var(--ember);
  font-family: var(--mono);
  font-size: .6rem;
  font-weight: 500;
  letter-spacing: .12em;
  text-transform: uppercase
}

.legal-toc ol {
  display: grid;
  gap: 9px;
  margin: 0;
  padding-left: 17px;
  color: var(--muted);
  font-size: .76rem
}

.legal-toc a:hover {
  color: var(--ember-soft)
}

.legal-body {
  padding: clamp(22px, 3vw, 38px);
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--surface)
}

.legal-meta {
  margin-bottom: 24px;
  padding: 14px 16px;
  border: 1px solid var(--line-warm);
  border-radius: 11px;
  background: var(--surface-2);
  color: var(--muted);
  font-family: var(--mono);
  font-size: .65rem
}

.legal-meta strong {
  color: var(--ink)
}

.legal-meta a {
  color: var(--ember)
}

.legal {
  color: var(--muted);
  font-size: .86rem;
  line-height: 1.82
}

.legal h2 {
  margin: 30px 0 10px;
  font-size: 1.06rem;
  letter-spacing: -.01em;
  scroll-margin-top: 120px
}

.legal h2:first-of-type {
  margin-top: 0
}

.legal p {
  margin: 0 0 12px
}

.legal ul {
  display: grid;
  gap: 7px;
  margin: 0 0 14px;
  padding-left: 19px
}

.legal strong {
  color: var(--ink)
}

.legal a {
  color: var(--ember);
  text-decoration: underline;
  text-underline-offset: 3px
}

/* ===================== CTA / FOOTER / TOAST ===================== */
.cta-band {
  position: relative;
  padding: 52px;
  border: 1px solid var(--line-warm);
  border-radius: 22px;
  overflow: hidden;
  background: linear-gradient(140deg, var(--surface-3), var(--bg-2))
}

.cta-band::before {
  content: "";
  position: absolute;
  right: -80px;
  top: -110px;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(232, 135, 58, .2), transparent 65%)
}

.cta-band>* {
  position: relative;
  z-index: 1
}

.cta-band h2 {
  font-size: clamp(1.7rem, 3.4vw, 2.6rem)
}

.cta-band p {
  max-width: 560px;
  margin: 14px 0 0;
  color: var(--muted);
  font-size: .92rem
}

.site-footer {
  padding: 64px 0 26px;
  border-top: 1px solid var(--line-warm);
  background: #080503;
  color: var(--ink)
}

.footer-grid {
  padding-bottom: 34px;
  border-bottom: 1px solid var(--line)
}

.footer-copy {
  max-width: 300px;
  margin: 14px 0 0;
  color: var(--muted);
  font-size: .79rem;
  line-height: 1.7
}

.footer-contact {
  display: grid;
  gap: 7px;
  margin-top: 16px
}

.footer-contact a,
.footer-contact span {
  display: flex;
  gap: 9px;
  align-items: flex-start;
  color: var(--muted);
  font-size: .72rem
}

.footer-contact i {
  width: 14px;
  margin-top: 4px;
  color: var(--ember)
}

.footer-contact a:hover {
  color: var(--ember-soft)
}

.footer-col {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 7px
}

.footer-col h3 {
  margin: 0 0 7px;
  color: var(--ember);
  font-family: var(--mono);
  font-size: .6rem;
  font-weight: 500;
  letter-spacing: .12em;
  text-transform: uppercase
}

.footer-col a,
.footer-col span {
  color: var(--muted);
  font-size: .73rem
}

.footer-col a:hover {
  color: var(--ink)
}

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding-top: 20px;
  color: var(--muted-2);
  font-family: var(--mono);
  font-size: .6rem
}

.footer-bottom nav {
  display: flex;
  flex-wrap: wrap;
  gap: 16px
}

.footer-bottom a:hover {
  color: var(--ember)
}

.footer-disclaimer {
  margin: 12px 0 0;
  color: #5a4f44;
  font-size: .63rem;
  line-height: 1.65
}

.toast-container {
  z-index: 2000
}

.site-toast {
  width: min(400px, calc(100vw - 32px));
  border: 1px solid var(--line-warm);
  border-radius: 13px;
  background: linear-gradient(150deg, var(--surface-3), var(--bg-2));
  color: var(--ink);
  box-shadow: var(--shadow-3);
  font-size: .8rem
}

.site-toast .toast-body {
  padding: 14px 16px
}

.site-toast .fa-circle-check {
  color: var(--ember)
}

.to-top {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 1035;
  display: grid;
  place-items: center;
  width: 44px;
  height: 44px;
  border: 1px solid var(--line-warm);
  border-radius: 12px;
  background: linear-gradient(140deg, var(--ember), var(--ember-deep));
  color: #170d04;
  box-shadow: var(--shadow-ember);
  opacity: 0;
  visibility: hidden;
  transition: .25s
}

.to-top.show {
  opacity: 1;
  visibility: visible
}

.to-top:hover {
  transform: translateY(-3px)
}

.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .7s ease, transform .7s cubic-bezier(.22, 1, .36, 1);
  transition-delay: var(--reveal-delay, 0s)
}

.reveal.visible {
  opacity: 1;
  transform: none;
  transition-delay: 0s
}

/* ===================== RESPONSIVE ===================== */
@media(max-width:1199.98px) {
  .svc-grid {
    grid-template-columns: repeat(2, 1fr)
  }

  .route-card-grid {
    grid-template-columns: repeat(2, 1fr)
  }
}

@media(max-width:991.98px) {
  section {
    padding: 74px 0
  }

  .nav-links,
  .nav-cta {
    display: none
  }

  .menu-btn {
    display: grid
  }

  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px
  }

  .hero-frame img {
    height: 420px
  }

  .hero-badge {
    right: 10px
  }

  .legal-layout {
    grid-template-columns: 1fr
  }

  .legal-toc {
    position: static
  }
}

@media(max-width:767.98px) {
  .utility-inner {
    justify-content: center;
    text-align: center
  }

  .utility-right {
    display: none
  }

  .hero {
    padding: 34px 0 56px
  }

  .hero h1,
  .page-hero h1 {
    font-size: clamp(2.15rem, 9vw, 3rem)
  }

  .hero-frame img {
    height: 320px
  }

  .svc-grid,
  .route-card-grid {
    grid-template-columns: 1fr
  }

  .stat-band {
    grid-template-columns: repeat(2, 1fr)
  }

  .stat-cell:nth-child(2) {
    border-right: 0
  }

  .stat-cell:nth-child(-n+2) {
    border-bottom: 1px solid var(--line)
  }

  .goal-result {
    flex-direction: column;
    align-items: flex-start
  }

  .goal-result .btn {
    width: 100%
  }

  .graph-head {
    flex-direction: column;
    align-items: flex-start
  }

  .directory-head {
    flex-direction: column;
    align-items: flex-start
  }

  .directory-head .btn-outline {
    width: 100%
  }

  .form-panel,
  .glass-card,
  .quote-card {
    padding: 22px
  }

  .cta-band {
    padding: 32px 22px
  }

  .dir-row {
    grid-template-columns: 34px 1fr 34px
  }

  .dir-row .rc {
    display: none
  }

  .ember-marquee {
    margin-top: 0
  }
}

@media(max-width:575.98px) {
  .hero-meta {
    grid-template-columns: 1fr
  }

  .stat-band {
    grid-template-columns: 1fr
  }

  .stat-cell {
    border-right: 0;
    border-bottom: 1px solid var(--line)
  }

  .stat-cell:last-child {
    border-bottom: 0
  }
}

@media(prefers-reduced-motion:reduce) {
  html {
    scroll-behavior: auto
  }

  *,
  *::before,
  *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important
  }

  .reveal:not(.visible) {
    opacity: 1;
    transform: none
  }

  .ember-track,
  .ember-orb {
    animation: none
  }
}