/* =============================================================
   1. Tokens
   ============================================================= */
:root {
  --navy-3: #0B1A1E;
  --navy: #12242A;
  --navy-2: #1C3B44;
  --navy-2-soft: #21444E;
  --cream: #F8F2E7;
  --cream-2: #EFE4D0;
  --cream-3: #E7D9BE;
  --paper: #FFFFFF;
  --ink: #1D2321;
  --ink-soft: #4B5654;
  --on-navy: #F3EFE6;
  --on-navy-soft: #B9C6C6;
  --gold: #C69B4E;
  --gold-light: #E4C888;
  --gold-deep: #A87C33;
  --line-navy: rgba(243, 239, 230, 0.14);
  --line-cream: rgba(29, 35, 33, 0.12);

  --serif: "Fraunces", "Iowan Old Style", "Georgia", serif;
  --sans: "Inter", -apple-system, "Segoe UI", sans-serif;

  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-soft: cubic-bezier(0.25, 0.46, 0.45, 0.94);

  --container: 1180px;
  --radius-s: 10px;
  --radius-m: 18px;
  --radius-l: 28px;
}

/* =============================================================
   2. Reset & base
   ============================================================= */
*, *::before, *::after { box-sizing: border-box; margin: 0; }
html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}
body {
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
  overscroll-behavior-y: none;
}
img, svg, video { display: block; max-width: 100%; }
img { height: auto; }
button { font: inherit; color: inherit; cursor: pointer; border: 0; background: none; }
a { color: inherit; text-decoration: none; }
p { text-wrap: pretty; }
h1, h2, h3, h4 { text-wrap: balance; line-height: 1.08; letter-spacing: -0.01em; font-family: var(--serif); font-weight: 600; }
ul { list-style: none; padding: 0; }
::selection { background: var(--gold); color: var(--navy-3); }

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

/* =============================================================
   3. Utilities
   ============================================================= */
.container { max-width: var(--container); margin-inline: auto; padding-inline: 20px; }
.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;
}
.skip-link {
  position: fixed; top: -100px; left: 1rem; z-index: 9999;
  padding: .7rem 1.1rem; background: var(--gold); color: var(--navy-3);
  border-radius: 8px; font-weight: 600;
  transition: top .25s var(--ease-out);
}
.skip-link:focus { top: 1rem; }

.eyebrow, .kicker {
  display: inline-flex; align-items: center; gap: .5em;
  font-family: var(--sans); font-weight: 700; font-size: .78rem;
  letter-spacing: .12em; text-transform: uppercase;
}
.kicker { color: var(--gold-deep); }
.eyebrow { color: var(--gold-light); }
.kicker::before, .eyebrow::before {
  content: ""; width: 22px; height: 1.5px; background: currentColor; display: inline-block;
}

/* =============================================================
   4. Typography
   ============================================================= */
h1 { font-size: clamp(2.1rem, 5vw + 0.6rem, 3.6rem); }
h2 { font-size: clamp(1.7rem, 3vw + 0.6rem, 2.5rem); }
h3 { font-size: clamp(1.15rem, 1vw + 0.9rem, 1.35rem); }
.lede { font-size: clamp(1.05rem, .4vw + 1rem, 1.2rem); line-height: 1.65; color: var(--ink-soft); }
.on-navy .lede { color: var(--on-navy-soft); }

/* =============================================================
   5. Components
   ============================================================= */

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5em;
  padding: .95rem 1.6rem; border-radius: 999px;
  font-weight: 600; font-size: .98rem; text-align: center;
  transition: transform .35s var(--ease-out), box-shadow .35s var(--ease-out), background-color .25s var(--ease-out);
  white-space: nowrap;
}
.btn-gold {
  background: linear-gradient(135deg, var(--gold-light), var(--gold) 60%, var(--gold-deep));
  color: var(--navy-3);
  box-shadow: 0 10px 24px -10px rgba(166, 122, 40, .55);
}
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 16px 30px -10px rgba(166, 122, 40, .6); }
.btn-ghost-navy {
  background: transparent; color: var(--on-navy); border: 1.5px solid var(--line-navy);
}
.btn-ghost-navy:hover { border-color: var(--gold-light); color: var(--gold-light); }
.btn-whatsapp {
  background: #1E3A2F; color: #EAF6EE; border: 1.5px solid rgba(255,255,255,.12);
}
.btn-whatsapp:hover { transform: translateY(-2px); border-color: #3CC06B; }
.btn-block { width: 100%; }
.btn svg { width: 1.1em; height: 1.1em; flex: none; }

/* Cards */
.card {
  background: var(--paper);
  border: 1px solid var(--line-cream);
  border-radius: var(--radius-m);
  padding: 1.6rem;
}
.stat-card {
  border-radius: var(--radius-m);
  padding: 1.5rem 1.7rem;
  display: flex; flex-direction: column; gap: .35rem;
}
.stat-card .stat-num {
  font-family: var(--serif); font-weight: 600;
  font-size: clamp(1.9rem, 2.4vw + 1rem, 2.6rem);
  line-height: 1;
  color: var(--gold);
}
.stat-card.on-cream { background: var(--paper); border: 1px solid var(--line-cream); }
.stat-card.on-cream .stat-num { color: var(--gold-deep); }
.stat-card .stat-label { font-size: .95rem; color: var(--on-navy-soft); }
.stat-card.on-cream .stat-label { color: var(--ink-soft); }

/* Section shells */
.section { padding-block: clamp(3.5rem, 6vw, 6.5rem); }
.section-dark { background: var(--navy); color: var(--on-navy); }
.section-navy2 { background: var(--navy-2); color: var(--on-navy); }
.section-cream { background: var(--cream); color: var(--ink); }
.section-head { max-width: 640px; margin-bottom: 2.4rem; }
.section-head .lede { margin-top: .9rem; }
.section-head.center { margin-inline: auto; text-align: center; }

/* =============================================================
   6. Sections
   ============================================================= */

/* --- Header --- */
.site-header {
  position: fixed; inset-block-start: 0; inset-inline: 0; z-index: 500;
  padding-block: 1.1rem;
  transition: background-color .35s var(--ease-out), padding .35s var(--ease-out), box-shadow .35s var(--ease-out);
}
.site-header .container { display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.site-header.is-scrolled {
  background: rgba(18, 36, 42, .92);
  backdrop-filter: blur(10px);
  padding-block: .7rem;
  box-shadow: 0 8px 24px -16px rgba(0,0,0,.5);
}
.nav-wordmark {
  font-family: var(--serif); font-weight: 600; letter-spacing: .02em;
  font-size: .78rem; color: var(--on-navy);
  white-space: nowrap;
}
.nav-wordmark strong { color: var(--gold-light); font-weight: 600; }
.nav-phone {
  display: inline-flex; align-items: center; gap: .5em;
  font-weight: 600; color: var(--on-navy); font-size: .95rem;
  padding: .5rem .65rem; border: 1px solid var(--line-navy); border-radius: 999px;
  transition: border-color .3s var(--ease-out), color .3s var(--ease-out);
  flex: none;
}
.nav-phone:hover { border-color: var(--gold-light); color: var(--gold-light); }
.nav-phone svg { width: 1.15em; height: 1.15em; flex: none; }
.nav-phone .nav-phone-text { display: none; }

/* --- Hero --- */
.hero {
  position: relative;
  background:
    radial-gradient(1100px 620px at 82% -10%, rgba(198, 155, 78, .22), transparent 60%),
    radial-gradient(900px 500px at -10% 110%, rgba(198, 155, 78, .12), transparent 55%),
    linear-gradient(180deg, var(--navy-3), var(--navy) 60%, var(--navy));
  color: var(--on-navy);
  padding-block: clamp(7.5rem, 12vw, 10rem) clamp(3.5rem, 6vw, 5rem);
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.06) 1px, transparent 1px);
  background-size: 26px 26px;
  opacity: .35;
  pointer-events: none;
}
.hero-inner { position: relative; z-index: 1; max-width: 760px; }
.hero-title { margin-top: 1.1rem; }
.hero-title .accent { color: var(--gold-light); }
.hero-sub { margin-top: 1.3rem; max-width: 58ch; }
.hero-stat { margin-top: 2rem; max-width: 460px; background: rgba(255,255,255,.045); border: 1px solid var(--line-navy); backdrop-filter: blur(6px); }
.hero-cta { margin-top: 2.2rem; display: flex; flex-wrap: wrap; gap: .9rem; }

/* --- Bank section --- */
.bank-grid {
  display: grid; gap: 2.4rem;
  grid-template-columns: 1fr;
  align-items: start;
}
.bank-text .lede { margin-top: 1rem; }
.bank-stat { margin-top: 1.6rem; max-width: 420px; }
.feature-list { margin-top: 1.6rem; display: grid; gap: 1rem; }
.feature-item {
  display: flex; gap: .9rem; align-items: flex-start;
  padding: 1.1rem 1.3rem; background: var(--paper); border: 1px solid var(--line-cream);
  border-radius: var(--radius-s);
}
.feature-item .dot {
  flex: none; width: 10px; height: 10px; border-radius: 50%;
  background: var(--gold); margin-top: .5em;
}
.feature-item strong { font-family: var(--sans); }
.note {
  margin-top: 1.4rem; font-size: .92rem; color: var(--ink-soft);
  border-left: 2px solid var(--gold); padding-left: 1rem;
}

/* --- Calculator --- */
.calc-panel {
  background: var(--navy);
  color: var(--on-navy);
  border-radius: var(--radius-l);
  padding: clamp(1.6rem, 3vw, 2.8rem);
  position: relative;
  overflow: hidden;
  box-shadow: 0 30px 60px -30px rgba(11, 26, 30, .5);
}
.calc-panel::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(700px 340px at 100% 0%, rgba(198,155,78,.18), transparent 60%);
  pointer-events: none;
}
.calc-grid { position: relative; z-index: 1; display: grid; gap: 2.2rem; }
.calc-controls { display: grid; gap: 1.6rem; }
.calc-control label {
  display: flex; justify-content: space-between; align-items: baseline;
  font-weight: 600; font-size: .95rem; margin-bottom: .6rem;
}
.calc-control .val-out { font-family: var(--serif); color: var(--gold-light); font-size: 1.15rem; }
.calc-min-note { font-size: .82rem; color: var(--on-navy-soft); margin-top: .45rem; }

/* range input */
input[type="range"] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px; border-radius: 999px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold) var(--fill, 40%), rgba(255,255,255,.16) var(--fill, 40%));
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--gold-light); border: 3px solid var(--navy-3);
  box-shadow: 0 4px 10px rgba(0,0,0,.35);
  cursor: pointer; transition: transform .2s var(--ease-out);
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.12); }
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--gold-light); border: 3px solid var(--navy-3);
  cursor: pointer;
}
input[type="range"]::-moz-range-track { height: 6px; border-radius: 999px; background: rgba(255,255,255,.16); }
input[type="range"]::-moz-range-progress { height: 6px; border-radius: 999px; background: var(--gold); }

.gender-toggle { display: inline-flex; gap: .5rem; flex-wrap: wrap; }
.gender-toggle input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.gender-toggle span {
  display: inline-flex; padding: .55rem 1.1rem; border-radius: 999px;
  border: 1.5px solid var(--line-navy); font-size: .92rem; font-weight: 600;
  transition: all .25s var(--ease-out);
}
.gender-toggle input:checked + span {
  background: var(--gold); color: var(--navy-3); border-color: var(--gold);
}
.gender-toggle input:focus-visible + span { outline: 2px solid var(--gold-light); outline-offset: 2px; }
.gender-note { font-size: .82rem; color: var(--on-navy-soft); margin-top: .5rem; max-width: 40ch; }

.calc-results {
  border-top: 1px solid var(--line-navy); padding-top: 1.8rem;
  display: grid; gap: 1.1rem;
}
.calc-result-row {
  display: flex; justify-content: space-between; align-items: baseline; gap: 1rem;
  font-size: .95rem; color: var(--on-navy-soft);
}
.calc-result-row .amount { font-family: var(--serif); color: var(--on-navy); font-size: 1.15rem; font-weight: 600; }
.calc-hero {
  background: rgba(198,155,78,.1); border: 1px solid rgba(198,155,78,.3);
  border-radius: var(--radius-m); padding: 1.5rem 1.7rem;
  display: flex; flex-direction: column; gap: .3rem;
}
.calc-hero .label { font-size: .9rem; color: var(--gold-light); font-weight: 600; }
.calc-hero .value { font-family: var(--serif); font-size: clamp(2.1rem, 3vw + 1rem, 3rem); color: var(--paper); }
.calc-disclaimer { font-size: .8rem; color: var(--on-navy-soft); line-height: 1.55; }
.calc-cta { display: flex; flex-wrap: wrap; gap: .9rem; margin-top: .4rem; }

/* --- Why grid --- */
.why-grid { display: grid; gap: 1.4rem; grid-template-columns: 1fr; }
.why-card { display: grid; gap: .6rem; }
.why-card .index {
  font-family: var(--serif); color: var(--gold-deep); font-size: 1.6rem; font-weight: 600;
}

/* --- How it works --- */
.how-grid { display: grid; gap: 1.2rem; grid-template-columns: 1fr; }
.how-card {
  background: rgba(255,255,255,.045); border: 1px solid var(--line-navy);
  border-radius: var(--radius-s); padding: 1.4rem;
}
.how-card strong { display: block; font-family: var(--serif); font-size: 1.05rem; margin-bottom: .4rem; color: var(--gold-light); }
.how-card p { color: var(--on-navy-soft); font-size: .95rem; }

/* --- Profile --- */
.profile-section { position: relative; }
.profile-grid {
  display: grid; gap: 2.4rem; align-items: center;
  grid-template-columns: 1fr;
}
.profile-photo-wrap {
  position: relative; justify-self: center; width: min(320px, 70vw);
}
.profile-photo-wrap::before {
  content: ""; position: absolute; inset: -14px;
  border: 1.5px solid var(--gold); border-radius: var(--radius-l);
  opacity: .55;
}
.profile-photo {
  width: 100%; aspect-ratio: 4/5; object-fit: cover;
  border-radius: var(--radius-l);
  box-shadow: 0 30px 50px -20px rgba(0,0,0,.45);
}
.profile-info h3 { font-size: clamp(1.5rem, 1.4vw + 1.1rem, 1.9rem); color: var(--paper); }
.profile-title { color: var(--gold-light); font-weight: 600; margin-top: .3rem; }
.profile-contact { margin-top: 1.3rem; display: grid; gap: .65rem; }
.profile-contact a, .profile-contact span {
  display: inline-flex; align-items: center; gap: .6em; font-size: .96rem; color: var(--on-navy-soft);
}
.profile-contact a:hover { color: var(--gold-light); }
.profile-contact svg { width: 1.05em; height: 1.05em; flex: none; color: var(--gold); }
.profile-cta { margin-top: 1.6rem; display: flex; flex-wrap: wrap; gap: .9rem; }

/* --- Footer --- */
.site-footer { background: var(--navy-3); color: var(--on-navy-soft); padding-block: 2.4rem; }
.footer-disclaimer { font-size: .82rem; line-height: 1.6; max-width: 900px; }
.footer-meta { margin-top: 1.2rem; font-size: .82rem; display: flex; flex-wrap: wrap; gap: .4rem 1.2rem; }

/* =============================================================
   7. Effects
   ============================================================= */
[data-reveal] {
  opacity: 0; transform: translateY(22px);
  transition: opacity .8s var(--ease-out), transform .8s var(--ease-out);
}
[data-reveal].is-visible { opacity: 1; transform: none; }
.is-ready [data-reveal] { transition-property: opacity, transform; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  [data-reveal] { transition-duration: .01ms !important; }
}

/* =============================================================
   8. Responsive
   ============================================================= */
@media (min-width: 540px) {
  .nav-wordmark { font-size: 1.05rem; letter-spacing: .04em; }
  .nav-phone { padding: .5rem .9rem; }
  .nav-phone .nav-phone-text { display: inline; }
}

@media (min-width: 720px) {
  .bank-grid { grid-template-columns: 1.1fr .9fr; }
  .why-grid { grid-template-columns: repeat(3, 1fr); }
  .how-grid { grid-template-columns: repeat(2, 1fr); }
  .calc-grid { grid-template-columns: 1fr 1fr; align-items: start; }
  .profile-grid { grid-template-columns: 320px 1fr; }
  .profile-photo-wrap { justify-self: start; }
}

@media (min-width: 960px) {
  .how-grid { grid-template-columns: repeat(4, 1fr); }
  .hero-inner { max-width: 820px; }
}

@media (min-width: 1280px) {
  .section { padding-block: clamp(4.5rem, 6vw, 7.5rem); }
}