:root {
  --navy: #1b2a4a;
  --navy-deep: #111d36;
  --navy-soft: #223555;
  --gold: #b89b5e;
  --gold-bright: #c9a24c;
  --ink: #2a2f3a;
  --body: #525868;
  --muted: #8a90a0;
  --line: #e6e8ee;
  --bg: #ffffff;
  --bg-soft: #f6f7f9;
  --bg-cream: #f7f3ea;
  --shadow-sm: 0 2px 10px rgba(15, 23, 42, .06);
  --shadow-md: 0 10px 30px rgba(15, 23, 42, .10);
  --shadow-lg: 0 20px 50px rgba(15, 23, 42, .15);
  --radius: 6px;
  --radius-lg: 10px;
  --serif: "Playfair Display", Georgia, "Times New Roman", serif;
  --sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--body);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--gold); }
h1, h2, h3, h4 {
  font-family: var(--serif);
  color: var(--navy);
  line-height: 1.2;
  margin: 0 0 .6em;
  font-weight: 700;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.2rem, 4.2vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.05rem; letter-spacing: .05em; text-transform: uppercase; font-family: var(--sans); color: #fff; }
p { margin: 0 0 1em; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }

.eyebrow {
  display: inline-block;
  font-family: var(--sans);
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 0 0 .75rem;
  position: relative;
  padding-left: 34px;
}
.eyebrow::before {
  content: "";
  position: absolute;
  left: 0; top: 50%;
  width: 24px; height: 2px;
  background: var(--gold);
  transform: translateY(-50%);
}
.eyebrow-light { color: var(--gold-bright); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: var(--sans);
  font-weight: 600;
  font-size: .92rem;
  letter-spacing: .05em;
  text-transform: uppercase;
  padding: 14px 28px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all .25s ease;
  white-space: nowrap;
}
.btn-primary {
  background: var(--gold);
  color: #fff;
  border-color: var(--gold);
}
.btn-primary:hover { background: var(--navy); border-color: var(--navy); color: #fff; }
.btn-gold {
  background: var(--gold);
  color: #fff;
  border-color: var(--gold);
}
.btn-gold:hover { background: #fff; color: var(--navy); border-color: #fff; }
.btn-ghost {
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,.5);
}
.btn-ghost:hover { background: #fff; color: var(--navy); border-color: #fff; }
.btn-block { width: 100%; }
.btn-sm { padding: 10px 20px; font-size: .82rem; }
.btn-lg { padding: 18px 36px; font-size: 1rem; }

/* ---------- Header ---------- */
.site-header { background: #fff; box-shadow: var(--shadow-sm); position: sticky; top: 0; z-index: 100; }
.topbar { background: var(--navy); color: #c9cddb; font-size: .82rem; }
.topbar-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 10px 24px; gap: 16px;
}
.topbar-item { letter-spacing: .03em; }
.topbar-phone {
  color: var(--gold-bright);
  font-weight: 600;
  letter-spacing: .04em;
}
.topbar-phone:hover { color: #fff; }

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
  gap: 24px;
}
.brand { display: inline-flex; align-items: center; }
.brand-logo { height: 72px; width: auto; display: block; }
.main-nav ul {
  display: flex; align-items: center; gap: 2px;
  list-style: none; margin: 0; padding: 0;
}
.main-nav a {
  display: inline-block;
  padding: 10px 14px;
  font-family: var(--sans);
  font-weight: 600;
  font-size: .82rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--navy);
  white-space: nowrap;
}
.main-nav a:hover { color: var(--gold); }
.main-nav .nav-cta {
  background: var(--gold);
  color: #fff;
  border-radius: var(--radius);
  padding: 11px 20px;
  margin-left: 10px;
  font-size: .85rem;
  letter-spacing: .04em;
}
.main-nav .nav-cta:hover { background: var(--navy); color: #fff; }

.nav-toggle {
  display: none;
  background: transparent; border: 0; padding: 8px; cursor: pointer;
  flex-direction: column; gap: 5px;
}
.nav-toggle span { display: block; width: 26px; height: 2px; background: var(--navy); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: 120px 0 130px;
  color: #fff;
  background:
    linear-gradient(135deg, rgba(17,29,54,.92) 0%, rgba(27,42,74,.78) 55%, rgba(27,42,74,.55) 100%),
    url("images/home01.jpg") center right / cover no-repeat;
  overflow: hidden;
}
.hero::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: 0;
  height: 6px;
  background: linear-gradient(90deg, var(--gold) 0%, transparent 100%);
}
.hero-inner { max-width: 760px; position: relative; z-index: 2; }
.hero h1 { color: #fff; margin-bottom: 20px; line-height: 1.15; }
.hero .eyebrow { color: var(--gold-bright); }
.hero .eyebrow::before { background: var(--gold-bright); }
.hero-lead {
  font-size: 1.1rem;
  color: #d3d8e4;
  max-width: 620px;
  margin-bottom: 32px;
}
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 42px; }
.hero-trust {
  display: flex; flex-wrap: wrap; gap: 18px 32px;
  list-style: none; margin: 0; padding: 24px 0 0;
  border-top: 1px solid rgba(255,255,255,.15);
}
.hero-trust li {
  font-family: var(--sans);
  font-size: .82rem;
  font-weight: 600;
  color: #fff;
  letter-spacing: .08em;
  text-transform: uppercase;
  position: relative;
  padding-left: 22px;
}
.hero-trust li::before {
  content: "";
  position: absolute;
  left: 0; top: 50%;
  width: 10px; height: 10px;
  background: var(--gold);
  transform: translateY(-50%) rotate(45deg);
}

/* ---------- Credentials Strip ---------- */
.credentials {
  background: #fff;
  padding: 48px 0;
  border-bottom: 1px solid var(--line);
}
.credentials-label {
  text-align: center;
  font-family: var(--sans);
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--muted);
  margin: 0 0 28px;
}
.credentials-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 36px 56px;
}
.credentials-list li {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 90px;
}
.credentials-list a {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 100%;
  line-height: 0;
}
.credentials-list img {
  max-height: 90px;
  width: auto;
  max-width: 180px;
  object-fit: contain;
  filter: grayscale(40%);
  opacity: .85;
  transition: filter .3s ease, opacity .3s ease, transform .3s ease;
}
.credentials-list a:hover img,
.credentials-list a:focus-visible img {
  filter: grayscale(0%);
  opacity: 1;
  transform: scale(1.05);
}
.credentials-list a:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 6px;
  border-radius: 4px;
}
@media (max-width: 720px) {
  .credentials { padding: 36px 0; }
  .credentials-list { gap: 24px 32px; }
  .credentials-list li { height: 70px; }
  .credentials-list img { max-height: 70px; max-width: 140px; }
}

/* ---------- Sections ---------- */
.section { padding: 100px 0; }
.section-alt { background: var(--bg-soft); }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 60px; }
.section-head .eyebrow { padding-left: 34px; padding-right: 34px; }
.section-head .eyebrow::after {
  content: "";
  position: absolute;
  right: 0; top: 50%;
  width: 24px; height: 2px;
  background: var(--gold);
  transform: translateY(-50%);
}
.section-lead { font-size: 1.05rem; color: var(--body); margin: 0; }

/* ---------- Practice Area Cards ---------- */
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 28px;
}
.card {
  background: #fff;
  padding: 40px 32px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-sm);
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  position: relative;
  overflow: hidden;
}
.card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s ease;
}
.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}
.card:hover::before { transform: scaleX(1); }
.card-icon {
  width: 58px; height: 58px;
  border-radius: 50%;
  background: rgba(184,155,94,.12);
  color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 22px;
}
.card-icon svg { width: 28px; height: 28px; }
.card h3 { color: var(--navy); margin-bottom: 10px; font-size: 1.3rem; }
.card p { color: var(--body); margin-bottom: 18px; font-size: .95rem; }
.card-list {
  list-style: none; margin: 0; padding: 0;
  display: grid; grid-template-columns: 1fr 1fr; gap: 8px 14px;
}
.card-list li {
  font-size: .88rem;
  color: var(--ink);
  padding-left: 16px;
  position: relative;
  line-height: 1.4;
}
.card-list li::before {
  content: "";
  position: absolute;
  left: 0; top: 8px;
  width: 6px; height: 6px;
  background: var(--gold);
  transform: rotate(45deg);
}
.card-link {
  display: inline-block;
  margin-top: 18px;
  font-family: var(--sans);
  font-size: .82rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--gold);
  border-bottom: 1px solid var(--gold);
  padding-bottom: 2px;
  transition: color .2s ease, border-color .2s ease;
}
.card-link:hover { color: var(--navy); border-color: var(--navy); }
.card-cta {
  background: var(--navy);
  color: #fff;
  display: flex; flex-direction: column; justify-content: center;
  text-align: center;
}
.card-cta::before { background: var(--gold-bright); }
.card-cta h3 { color: #fff; }
.card-cta p { color: #c9cddb; }
.card-cta .btn { margin-top: 8px; align-self: center; }

/* ---------- About ---------- */
.about-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: 60px;
  align-items: start;
}
.about-copy h2 { max-width: 560px; }
.about-points {
  list-style: none; margin: 28px 0 36px; padding: 0;
  display: grid; gap: 14px;
}
.about-points li {
  padding: 14px 18px 14px 46px;
  background: #fff;
  border-left: 3px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  position: relative;
  font-size: .95rem;
}
.about-points li::before {
  content: "";
  position: absolute;
  left: 18px; top: 22px;
  width: 14px; height: 8px;
  border-left: 2px solid var(--gold);
  border-bottom: 2px solid var(--gold);
  transform: rotate(-45deg);
}
.about-points strong { color: var(--navy); }
.about-card {
  background: var(--navy);
  color: #fff;
  padding: 40px 32px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
}
.about-card::before {
  content: "";
  position: absolute;
  top: -40px; right: -40px;
  width: 160px; height: 160px;
  background: var(--gold);
  opacity: .2;
  border-radius: 50%;
}
.about-card h3 { color: #fff; position: relative; }
.about-card-lead { color: #c9cddb; margin-bottom: 24px; position: relative; }
.contact-list {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 10px 20px;
  margin: 0 0 28px;
  position: relative;
}
.contact-list dt {
  font-size: .75rem;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--gold-bright);
  font-weight: 600;
  padding-top: 2px;
}
.contact-list dd { margin: 0; color: #fff; font-size: 1rem; }
.contact-list dd a { color: #fff; font-weight: 600; }
.contact-list dd a:hover { color: var(--gold-bright); }

/* ---------- Service Area ---------- */
.locations {
  list-style: none;
  margin: 0; padding: 0;
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 14px;
}
.locations li {
  padding: 18px 22px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-family: var(--serif);
  font-size: 1.05rem;
  color: var(--navy);
  position: relative;
  padding-left: 44px;
  transition: all .25s ease;
}
.locations li::before {
  content: "";
  position: absolute;
  left: 18px; top: 50%;
  width: 14px; height: 14px;
  border: 2px solid var(--gold);
  border-radius: 50%;
  transform: translateY(-50%);
  transition: background .25s ease;
}
.locations li::after {
  content: "";
  position: absolute;
  left: 22px; top: 50%;
  width: 6px; height: 6px;
  background: var(--gold);
  border-radius: 50%;
  transform: translateY(-50%);
  opacity: 0;
  transition: opacity .25s ease;
}
.locations li:hover {
  border-color: var(--gold);
  box-shadow: var(--shadow-sm);
  color: var(--gold);
}
.locations li:hover::after { opacity: 1; }

/* ---------- CTA Band ---------- */
.cta-band {
  position: relative;
  padding: 80px 0;
  color: #fff;
  overflow: hidden;
  isolation: isolate;
}
.cta-band-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(17,29,54,.94) 0%, rgba(27,42,74,.80) 60%, rgba(27,42,74,.55) 100%),
    url("images/footer2.jpg") center / cover no-repeat;
  z-index: -1;
}
.cta-band-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 40px;
  align-items: center;
}
.cta-band h2 { color: #fff; margin-bottom: 8px; }
.cta-band-lead { color: #d3d8e4; margin: 0; font-size: 1.05rem; }

/* ---------- Contact ---------- */
.section-contact { background: var(--bg-soft); }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.contact-big {
  margin: 28px 0 24px;
  padding: 28px 32px;
  background: #fff;
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.contact-big-link { display: flex; flex-direction: column; color: var(--navy); }
.contact-big-label {
  font-size: .78rem;
  text-transform: uppercase;
  letter-spacing: .18em;
  color: var(--gold);
  font-weight: 600;
}
.contact-big-number {
  font-family: var(--serif);
  font-size: 2.4rem;
  font-weight: 700;
  line-height: 1.1;
  margin-top: 6px;
}
.contact-big-link:hover .contact-big-number { color: var(--gold); }
.contact-note {
  font-size: .85rem;
  color: var(--muted);
  line-height: 1.5;
  font-style: italic;
}
.contact-form {
  background: #fff;
  padding: 40px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  border-top: 4px solid var(--gold);
}
.contact-form h3 { color: var(--navy); margin-bottom: 22px; }
.contact-form label {
  display: block;
  margin-bottom: 16px;
}
.contact-form label span {
  display: block;
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 6px;
}
.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-family: var(--sans);
  font-size: .95rem;
  color: var(--ink);
  background: #fff;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(184,155,94,.15);
}
.contact-form textarea { resize: vertical; }
.form-note {
  margin: 14px 0 0;
  font-size: .78rem;
  color: var(--muted);
  line-height: 1.5;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-deep);
  color: #a6adbd;
  padding: 80px 0 0;
  margin-top: 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
}
.footer-logo { height: 64px; margin-bottom: 18px; filter: brightness(1.1); }
.footer-firm {
  font-family: var(--serif);
  font-size: 1.3rem;
  color: #fff;
  font-weight: 700;
  margin: 0 0 4px;
}
.footer-tagline { color: var(--gold-bright); font-size: .88rem; letter-spacing: .12em; text-transform: uppercase; margin: 0 0 18px; }
.footer-phone {
  font-family: var(--serif);
  font-size: 1.6rem;
  font-weight: 700;
  color: #fff;
}
.footer-phone:hover { color: var(--gold-bright); }
.site-footer h4 {
  color: #fff;
  font-size: .82rem;
  letter-spacing: .14em;
  margin-bottom: 20px;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(255,255,255,.1);
  position: relative;
}
.site-footer h4::after {
  content: "";
  position: absolute;
  left: 0; bottom: -1px;
  width: 36px; height: 2px;
  background: var(--gold);
}
.footer-links { list-style: none; margin: 0; padding: 0; }
.footer-links li { margin-bottom: 10px; }
.footer-links a {
  color: #a6adbd;
  font-size: .92rem;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.footer-links a::before {
  content: "›";
  color: var(--gold);
  font-weight: bold;
}
.footer-links a:hover { color: #fff; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 28px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  font-size: .82rem;
}
.disclaimer {
  color: #8a90a0;
  font-style: italic;
  margin: 0;
  max-width: 780px;
  line-height: 1.55;
}
.disclaimer strong { color: var(--gold-bright); font-style: normal; letter-spacing: .04em; }
.copyright { color: #6a7185; margin: 0; }

/* ---------- Sub-page hero (small) ---------- */
.page-hero {
  position: relative;
  color: #fff;
  padding: 64px 0 52px;
  overflow: hidden;
  isolation: isolate;
}
.page-hero-bg {
  position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(135deg, rgba(17,29,54,.94) 0%, rgba(27,42,74,.85) 60%, rgba(27,42,74,.78) 100%),
    url("images/footer2.jpg") center / cover no-repeat;
}
.page-hero h1 {
  color: #fff;
  margin: 6px 0 12px;
  font-size: clamp(1.7rem, 3.2vw, 2.4rem);
}
.page-hero-lead {
  color: #d3d8e4;
  max-width: 720px;
  font-size: .98rem;
  margin: 0;
}

/* ---------- Calculator ---------- */
.section-calc { padding: 56px 0 90px; }
.calc-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(300px, 1fr);
  gap: 32px;
  align-items: start;
}
.calc-form { display: grid; gap: 18px; }
.calc-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 22px 22px 18px;
  box-shadow: var(--shadow-sm);
}
.calc-card-title {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 1rem;
  color: var(--navy);
  margin: 0 0 16px;
  flex-wrap: wrap;
}
.calc-step {
  display: inline-flex;
  align-items: center; justify-content: center;
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--gold);
  color: #fff;
  font-family: var(--sans);
  font-weight: 700;
  font-size: .82rem;
  flex-shrink: 0;
}
.calc-card-hint {
  font-family: var(--sans);
  font-size: .74rem;
  font-weight: 400;
  color: var(--muted);
  text-transform: none;
  letter-spacing: normal;
}
.calc-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 10px;
}
/* Stretch label so the input can sit at the bottom — keeps rows aligned
   when one label wraps to two lines and the other is a single line. */
.calc-field {
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  min-height: 64px;
}
.calc-field > span {
  display: block;
  font-family: var(--sans);
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 5px;
  line-height: 1.35;
}
.calc-field > span small {
  display: inline;
  font-weight: 400;
  color: var(--muted);
  text-transform: none;
  letter-spacing: .02em;
  margin-left: 4px;
}
.calc-field input,
.calc-field select,
.calc-field textarea {
  width: 100%;
  padding: 9px 12px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-family: var(--sans);
  font-size: .92rem;
  color: var(--ink);
  background: #fff;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.calc-field input:focus,
.calc-field select:focus,
.calc-field textarea:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(184,155,94,.15);
}
.calc-field textarea { resize: vertical; min-height: 56px; }
.calc-field-full { grid-column: 1 / -1; }
.calc-input.money {
  position: relative;
  display: flex;
  align-items: center;
}
.calc-input.money > span {
  position: absolute;
  left: 12px;
  color: var(--muted);
  font-weight: 600;
  pointer-events: none;
  font-size: .92rem;
}
.calc-input.money input {
  padding-left: 24px;
}
.calc-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  justify-content: flex-end;
  margin-top: 4px;
}
.btn-ghost-dark {
  background: transparent;
  color: var(--navy);
  border-color: var(--line);
}
.btn-ghost-dark:hover { background: var(--navy); color: #fff; border-color: var(--navy); }

/* Results panel */
.calc-results {
  position: sticky;
  top: 100px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 24px;
  max-height: calc(100vh - 130px);
  overflow-y: auto;
}
.calc-results-empty {
  text-align: center;
  padding: 16px 0 6px;
  color: var(--muted);
}
.calc-results-icon {
  width: 54px; height: 54px;
  border-radius: 50%;
  margin: 0 auto 12px;
  background: rgba(184,155,94,.12);
  color: var(--gold);
  display: flex; align-items: center; justify-content: center;
}
.calc-results-icon svg { width: 26px; height: 26px; }
.calc-results-empty h3 { color: var(--navy); margin-bottom: 6px; font-size: 1.05rem; }
.calc-results-empty p { font-size: .86rem; margin: 0; }

.calc-result-card {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 20px 22px;
  margin-bottom: 18px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.calc-result-card::before {
  content: "";
  position: absolute;
  top: -24px; right: -24px;
  width: 96px; height: 96px;
  background: var(--gold);
  opacity: .18;
  border-radius: 50%;
}
.calc-result-label {
  font-family: var(--sans);
  font-size: .7rem;
  font-weight: 600;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--gold-bright);
  margin: 0 0 6px;
  position: relative;
}
.calc-result-amount {
  font-family: var(--serif);
  font-size: 2rem;
  font-weight: 700;
  line-height: 1.05;
  margin: 0 0 4px;
  color: #fff;
  position: relative;
}
.calc-result-subtitle {
  font-size: .82rem;
  color: #d3d8e4;
  margin: 0;
  position: relative;
}
.calc-result-subtitle strong { color: #fff; }

.calc-alerts { list-style: none; margin: 16px 0 0; padding: 0; text-align: left; position: relative; }
.calc-alerts li {
  padding: 10px 14px;
  border-radius: var(--radius);
  font-size: .85rem;
  margin-bottom: 8px;
}
.alert-warn { background: rgba(255,195,80,.14); color: #ffd07a; border-left: 3px solid #f0b73a; }
.alert-error { background: rgba(255,90,90,.16); color: #ffb3b3; border-left: 3px solid #ff5a5a; }

.calc-deviation {
  background: rgba(255,255,255,.06);
  padding: 14px 16px;
  border-radius: var(--radius);
  margin-top: 16px;
  text-align: left;
  position: relative;
  color: #e4e8f0;
  font-size: .9rem;
}
.calc-deviation h4 { color: var(--gold-bright); margin: 0 0 6px; font-size: .78rem; letter-spacing: .12em; }
.calc-deviation p { margin: 0 0 4px; }
.calc-deviation-reason { color: #b7bccb; }

.calc-breakdown-title {
  font-size: .95rem;
  color: var(--navy);
  margin: 0 0 10px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--gold);
  display: inline-block;
}
.calc-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .85rem;
}
.calc-table th, .calc-table td {
  padding: 7px 0;
  border-bottom: 1px solid var(--line);
  text-align: left;
  vertical-align: top;
}
.calc-table th {
  font-weight: 500;
  color: var(--body);
  font-family: var(--sans);
}
.calc-table td {
  font-weight: 600;
  color: var(--navy);
  text-align: right;
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}
.calc-row-emph th, .calc-row-emph td {
  color: var(--navy);
  font-weight: 700;
  background: rgba(184,155,94,.05);
}
.calc-row-spca th, .calc-row-spca td {
  background: rgba(184,155,94,.10);
  color: var(--navy);
  font-weight: 600;
}
.calc-row-spca small {
  display: block;
  font-weight: 400;
  font-size: .76rem;
  color: var(--muted);
  margin-top: 2px;
}
.calc-row-final th {
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: .06em;
  font-size: .82rem;
  font-weight: 700;
}
.calc-row-final td {
  color: var(--navy);
  font-family: var(--serif);
  font-size: 1.05rem;
  font-weight: 700;
}

.calc-cta {
  margin-top: 20px;
  padding: 18px;
  border: 1px dashed var(--line);
  border-radius: var(--radius);
  text-align: center;
}
.calc-cta p { margin: 0 0 10px; color: var(--body); font-size: .88rem; }

.calc-disclaimer {
  margin-top: 36px;
  padding: 20px 24px;
  background: #fff;
  border-left: 4px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}
.calc-disclaimer h3 {
  color: var(--navy);
  font-size: .95rem;
  margin: 0 0 8px;
}
.calc-disclaimer p {
  font-size: .85rem;
  color: var(--body);
  margin: 0;
  line-height: 1.6;
}

/* ---------- Responsive ---------- */
@media (max-width: 960px) {
  .about-grid, .contact-grid { grid-template-columns: 1fr; gap: 40px; }
  .cta-band-inner { grid-template-columns: 1fr; text-align: left; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
}

@media (max-width: 960px) {
  .calc-grid { grid-template-columns: 1fr; }
  .calc-results { position: static; max-height: none; }
}

@media (max-width: 720px) {
  .calc-row { grid-template-columns: 1fr; }
  .calc-card { padding: 22px 18px; }
  .calc-result-amount { font-size: 2.2rem; }
  .page-hero { padding: 60px 0 48px; }
  .topbar-inner { flex-direction: column; gap: 6px; padding: 10px 16px; text-align: center; }
  .nav-toggle { display: flex; }
  .main-nav {
    display: none;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: #fff;
    box-shadow: var(--shadow-md);
    padding: 12px 0;
    border-top: 1px solid var(--line);
  }
  .main-nav.open { display: block; }
  .main-nav ul { flex-direction: column; align-items: stretch; gap: 0; }
  .main-nav a { padding: 14px 24px; display: block; border-bottom: 1px solid var(--line); }
  .main-nav .nav-cta { margin: 12px 24px 8px; text-align: center; }
  .main-nav .nav-cta { border-bottom: 0; }

  .brand-logo { height: 54px; }
  .site-header { position: relative; }

  .hero { padding: 80px 0; text-align: left; }
  .hero-cta { flex-direction: column; align-items: flex-start; }
  .hero-cta .btn { width: 100%; }

  .section { padding: 70px 0; }
  .cards { grid-template-columns: 1fr; }
  .card-list { grid-template-columns: 1fr; }

  .contact-big-number { font-size: 2rem; }
  .contact-form { padding: 28px 22px; }

  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

/* ---------- Class action landing page ---------- */
.home-class-action {
  --navy: #082536;
  --navy-deep: #061c2a;
  --navy-soft: #0e3a52;
  --gold: #f47a00;
  --gold-bright: #ff8a1c;
  --ink: #eef6fa;
  --body: #b9c9d2;
  --muted: #8fa8b6;
  --line: rgba(255,255,255,.14);
  --bg: #071f2d;
  --bg-soft: #0a2a3a;
  --bg-cream: #092636;
  background: #071f2d;
  color: var(--body);
}
.home-class-action h1,
.home-class-action h2,
.home-class-action h3,
.home-class-action h4 {
  color: #fff;
  letter-spacing: 0;
}
.home-class-action h2 { font-size: 2.65rem; }
.home-class-action a { color: var(--gold-bright); }
.home-class-action a:hover { color: #fff; }
.home-class-action .site-header {
  background: rgba(5, 28, 41, .96);
  box-shadow: none;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.home-class-action .topbar {
  background: #041722;
  color: #d3e1e8;
}
.home-class-action .topbar-phone { color: var(--gold-bright); }
.home-class-action .nav-inner { padding: 12px 24px; }
.home-class-action .brand-logo {
  height: 78px;
  filter: brightness(0) invert(1);
  opacity: .96;
}
.home-class-action .main-nav a {
  color: #fff;
  font-size: .76rem;
  padding: 10px 12px;
}
.home-class-action .main-nav a:hover { color: var(--gold-bright); }
.home-class-action .main-nav .nav-cta {
  background: var(--gold);
  color: #fff;
  border-radius: 2px;
  padding: 12px 18px;
}
.home-class-action .main-nav .nav-cta:hover { background: #fff; color: var(--navy-deep); }
.home-class-action .nav-toggle span { background: #fff; }
.home-class-action .btn {
  border-radius: 3px;
  letter-spacing: 0;
}
.home-class-action .btn-primary,
.home-class-action .btn-gold {
  background: var(--gold);
  border-color: var(--gold);
  color: #fff;
}
.home-class-action .btn-primary:hover,
.home-class-action .btn-gold:hover {
  background: #fff;
  border-color: #fff;
  color: var(--navy-deep);
}
.home-class-action .btn-ghost {
  background: rgba(14,58,82,.72);
  border-color: rgba(255,255,255,.10);
  color: #fff;
}
.home-class-action .btn-ghost:hover { background: #fff; color: var(--navy-deep); }
.home-class-action .hero-class-action {
  min-height: 480px;
  padding: 86px 0 82px;
  background:
    linear-gradient(90deg, rgba(4,23,34,.96) 0%, rgba(6,36,52,.86) 50%, rgba(6,36,52,.64) 100%),
    url("images/static.jpg") center / cover no-repeat;
}
.home-class-action .hero-class-action::before {
  content: "MF";
  position: absolute;
  right: 5%;
  top: 22%;
  z-index: 1;
  font-family: var(--serif);
  font-size: 15rem;
  line-height: .8;
  color: rgba(55, 130, 164, .22);
  pointer-events: none;
}
.home-class-action .hero-inner { max-width: 860px; }
.home-class-action .hero h1 {
  margin-bottom: 20px;
  font-size: 3.8rem;
  line-height: .98;
  text-transform: none;
}
.home-class-action .hero h1 span,
.home-class-action .hero h1 strong,
.home-class-action .hero h1 em {
  display: block;
  font-style: normal;
}
.home-class-action .hero h1 strong {
  color: var(--gold-bright);
  font-size: 1.08em;
  text-transform: uppercase;
}
.home-class-action .hero h1 em {
  margin-top: 12px;
  font-family: var(--sans);
  font-size: 1.05rem;
  font-weight: 700;
  color: #fff;
}
.home-class-action .hero-lead {
  color: #d4e3ea;
  max-width: 720px;
}
.home-class-action .hero-trust {
  border-color: rgba(255,255,255,.18);
}
.home-class-action .hero-trust li { color: #fff; letter-spacing: 0; }
.home-class-action .hero-trust li::before { background: var(--gold); }
.home-class-action .eyebrow {
  color: var(--gold-bright);
  letter-spacing: 0;
}
.home-class-action .eyebrow::before,
.home-class-action .section-head .eyebrow::after {
  background: var(--gold-bright);
}
.home-class-action .section {
  background: #071f2d;
  color: var(--body);
}
.home-class-action .section-alt {
  background:
    linear-gradient(180deg, rgba(8,38,55,.98), rgba(5,25,37,.98));
}
.home-class-action .section-head h2 {
  max-width: 920px;
  margin-left: auto;
  margin-right: auto;
}
.home-class-action .section-lead,
.home-class-action .lead-text,
.home-class-action p {
  color: var(--body);
}
.home-class-action .credentials {
  background: #061c2a;
  border-top: 1px solid rgba(255,255,255,.10);
  border-bottom: 1px solid rgba(255,255,255,.10);
}
.home-class-action .credentials-label {
  color: #fff;
  letter-spacing: 0;
}
.home-class-action .credentials-list {
  gap: 0;
  border: 1px solid rgba(255,255,255,.12);
  max-width: 920px;
  margin: 0 auto;
}
.home-class-action .credentials-list li {
  min-width: 180px;
  flex: 1 1 180px;
  height: 124px;
  border-right: 1px solid rgba(255,255,255,.12);
  border-bottom: 1px solid rgba(255,255,255,.12);
  background: rgba(9,45,65,.52);
}
.home-class-action .credentials-list li:last-child { border-right: 0; }
.home-class-action .content-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(310px, .7fr);
  gap: 56px;
  align-items: start;
}
.home-class-action .content-copy h2 {
  max-width: 760px;
  font-size: 3rem;
}
.home-class-action .lead-text {
  font-size: 1.1rem;
  color: #e1eef4;
}
.home-class-action .summary-panel,
.home-class-action .notice-panel,
.home-class-action .pro-con-card,
.home-class-action .criteria-item,
.home-class-action .proof-card {
  background: linear-gradient(180deg, rgba(15,64,88,.90), rgba(7,31,45,.94));
  border: 1px solid rgba(255,255,255,.13);
  box-shadow: 0 24px 50px rgba(0,0,0,.18);
}
.home-class-action .summary-panel {
  padding: 36px 30px;
  border-top: 4px solid var(--gold);
  position: sticky;
  top: 130px;
}
.home-class-action .summary-panel h3 { font-size: 1.7rem; }
.home-class-action .summary-list,
.home-class-action .text-list {
  list-style: none;
  margin: 24px 0;
  padding: 0;
  display: grid;
  gap: 12px;
}
.home-class-action .summary-list li,
.home-class-action .text-list li {
  position: relative;
  padding-left: 24px;
  color: #d6e3e9;
}
.home-class-action .summary-list li::before,
.home-class-action .text-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: .66em;
  width: 7px;
  height: 7px;
  background: var(--gold);
  transform: rotate(45deg);
}
.home-class-action .cards { gap: 26px; }
.home-class-action .card {
  background: linear-gradient(180deg, rgba(16,65,89,.88), rgba(7,31,45,.95));
  border-color: rgba(255,255,255,.13);
  border-radius: 0;
  box-shadow: none;
}
.home-class-action .card::before {
  height: 4px;
  background: var(--gold);
  transform: scaleX(1);
}
.home-class-action .card:hover {
  transform: translateY(-4px);
  border-color: rgba(244,122,0,.62);
  box-shadow: 0 22px 50px rgba(0,0,0,.22);
}
.home-class-action .card-icon {
  background: rgba(244,122,0,.13);
  color: var(--gold-bright);
  border-radius: 0;
}
.home-class-action .card p,
.home-class-action .card-list li {
  color: var(--body);
}
.home-class-action .card-list li::before { background: var(--gold); }
.home-class-action .proof-section {
  position: relative;
  overflow: hidden;
  border-top: 1px solid rgba(255,255,255,.10);
  border-bottom: 1px solid rgba(255,255,255,.10);
}
.home-class-action .proof-section::before {
  content: "CASE FIT";
  position: absolute;
  left: 6%;
  bottom: -18px;
  font-family: var(--serif);
  font-size: 7rem;
  line-height: 1;
  color: rgba(244,122,0,.10);
  pointer-events: none;
}
.home-class-action .proof-grid,
.home-class-action .criteria-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 22px;
}
.home-class-action .proof-card,
.home-class-action .criteria-item {
  position: relative;
  padding: 30px 24px;
  border-top: 4px solid var(--gold);
}
.home-class-action .proof-card span,
.home-class-action .criteria-item span {
  display: block;
  margin-bottom: 18px;
  font-family: var(--serif);
  font-size: 2.1rem;
  line-height: 1;
  color: var(--gold-bright);
}
.home-class-action .proof-card h3,
.home-class-action .criteria-item h3 {
  font-size: 1.35rem;
}
.home-class-action .content-note {
  margin-top: 34px;
  padding: 28px 32px;
  border-left: 4px solid var(--gold);
  background: rgba(4,23,34,.54);
}
.home-class-action .notice-grid,
.home-class-action .pro-con-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.home-class-action .notice-panel,
.home-class-action .pro-con-card {
  padding: 34px 32px;
}
.home-class-action .notice-panel-dark,
.home-class-action .is-tradeoff {
  background: #051b27;
}
.home-class-action .is-advantage { border-top: 4px solid var(--gold); }
.home-class-action .is-tradeoff { border-top: 4px solid rgba(255,255,255,.38); }
.home-class-action .about-grid { align-items: center; }
.home-class-action .about-points li {
  background: rgba(15,64,88,.72);
  color: var(--body);
  border-left-color: var(--gold);
  box-shadow: none;
}
.home-class-action .about-points strong { color: #fff; }
.home-class-action .about-card {
  background: linear-gradient(180deg, rgba(15,64,88,.98), rgba(4,23,34,.98));
  border-top: 4px solid var(--gold);
  border-radius: 0;
}
.home-class-action .locations li {
  background: rgba(15,64,88,.72);
  border-color: rgba(255,255,255,.12);
  color: #fff;
  border-radius: 0;
}
.home-class-action .locations li:hover {
  color: var(--gold-bright);
  border-color: var(--gold);
}
.home-class-action .cta-band {
  border-top: 3px solid var(--gold);
  border-bottom: 3px solid var(--gold);
}
.home-class-action .cta-band-bg {
  background:
    linear-gradient(90deg, rgba(4,23,34,.96) 0%, rgba(8,45,66,.88) 58%, rgba(8,45,66,.72) 100%),
    url("images/footer2.jpg") center / cover no-repeat;
}
.home-class-action .section-contact {
  background:
    linear-gradient(180deg, rgba(8,39,56,.98), rgba(5,25,37,.98));
}
.home-class-action .contact-big,
.home-class-action .contact-form {
  background: rgba(15,64,88,.76);
  border-color: var(--gold);
  box-shadow: none;
  border-radius: 0;
}
.home-class-action .contact-big-link,
.home-class-action .contact-form h3,
.home-class-action .contact-form label span {
  color: #fff;
}
.home-class-action .contact-form input,
.home-class-action .contact-form select,
.home-class-action .contact-form textarea {
  background: rgba(4,23,34,.72);
  border-color: rgba(255,255,255,.16);
  color: #fff;
}
.home-class-action .contact-form input:focus,
.home-class-action .contact-form select:focus,
.home-class-action .contact-form textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(244,122,0,.18);
}
.home-class-action .form-note,
.home-class-action .contact-note {
  color: var(--muted);
}
.home-class-action .faq-section {
  background: #071f2d;
}
.home-class-action .faq-list {
  max-width: 980px;
  margin: 0 auto;
  padding: 28px;
  background: rgba(4,23,34,.70);
}
.home-class-action .faq-list details {
  margin-bottom: 12px;
  background: #0d3c56;
  border: 1px solid rgba(255,255,255,.12);
}
.home-class-action .faq-list details:last-child { margin-bottom: 0; }
.home-class-action .faq-list summary {
  cursor: pointer;
  padding: 18px 56px 18px 24px;
  color: #fff;
  font-weight: 700;
  position: relative;
  list-style: none;
}
.home-class-action .faq-list summary::-webkit-details-marker { display: none; }
.home-class-action .faq-list summary::after {
  content: "+";
  position: absolute;
  right: 24px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gold-bright);
  font-size: 1.4rem;
}
.home-class-action .faq-list details[open] summary::after { content: "-"; }
.home-class-action .faq-list p {
  margin: 0;
  padding: 0 24px 22px;
}
.home-class-action .site-footer {
  background: #051a26;
  border-top: 1px solid rgba(255,255,255,.12);
}
.home-class-action .footer-logo {
  filter: brightness(0) invert(1);
  opacity: .94;
}
.home-class-action .footer-tagline,
.home-class-action .footer-links a,
.home-class-action .contact-big-label,
.home-class-action .contact-form label span,
.home-class-action .contact-list dt {
  letter-spacing: 0;
}

@media (max-width: 960px) {
  .home-class-action .content-grid,
  .home-class-action .notice-grid,
  .home-class-action .pro-con-grid {
    grid-template-columns: 1fr;
  }
  .home-class-action .summary-panel { position: static; }
  .home-class-action .proof-grid,
  .home-class-action .criteria-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 720px) {
  .home-class-action .main-nav { background: #051c29; }
  .home-class-action .main-nav a { border-bottom-color: rgba(255,255,255,.10); }
  .home-class-action .brand-logo { height: 58px; }
  .home-class-action .hero-class-action {
    min-height: auto;
    padding: 78px 0 72px;
  }
  .home-class-action .hero-class-action::before {
    font-size: 8rem;
    right: 2%;
    top: 18%;
  }
  .home-class-action .hero h1 { font-size: 2.55rem; }
  .home-class-action h2 { font-size: 2rem; }
  .home-class-action .hero h1 em { font-size: .86rem; }
  .home-class-action .content-copy h2 { font-size: 2.15rem; }
  .home-class-action .proof-grid,
  .home-class-action .criteria-grid {
    grid-template-columns: 1fr;
  }
  .home-class-action .credentials-list li {
    min-width: 50%;
    height: 104px;
  }
  .home-class-action .faq-list {
    padding: 16px;
  }
}