/* =====================================================================
   IN10TENT FINANCIAL — landing styles (shared by / and /en/)
   ===================================================================== */

/* ============ TOKENS ============ */
:root{
  --green-900:#1E4717;
  --green-700:#3B7E2C;
  --green-600:#4CA339;   /* kelly green — action/progress only */
  --green-200:#BFE3B2;
  --green-50:#EEF7EA;
  --charcoal-900:#22272B;
  --charcoal-700:#3A4147;
  --charcoal-400:#67707C; /* AA 4.5:1 on white at body sizes */
  --charcoal-100:#E4E7E9;
  --white:#FFFFFF;
  --off-white:#FAF9F4;   /* warm cream, not clinical green-white */
  --error:#C0392B;
  --whatsapp:#25D366;
  --amber:#F5B82E;
  --radius-card:16px;
  --radius-btn:12px;
  --radius-quiz:24px;
  --shadow-rest:0 2px 8px rgba(34,39,43,.06);
  --shadow-pop:0 8px 24px rgba(76,163,57,.14);
  --shadow-deep:0 20px 50px rgba(34,39,43,.16);
  --font-display:'Fraunces',Georgia,serif;
  --font-body:'Inter',system-ui,-apple-system,sans-serif;
  --max:1140px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
::selection{background:var(--green-200);color:var(--charcoal-900)}
#quiz,section[id],#disclaimer{scroll-margin-top:96px} /* keep anchor targets clear of the sticky header */
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}
body{
  font-family:var(--font-body);color:var(--charcoal-900);background:var(--off-white);
  line-height:1.6;font-size:16.5px;-webkit-font-smoothing:antialiased;overflow-x:hidden;
}
h1,h2{font-family:var(--font-display);line-height:1.12;letter-spacing:-.01em;font-weight:600}
h3,h4{font-family:var(--font-body);letter-spacing:-.01em}
img{max-width:100%;display:block}
a{color:var(--green-700)}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
section{padding:clamp(64px,9vw,112px) 0}
.center{text-align:center}
.center .sub{margin-left:auto;margin-right:auto}

.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  /* amber dot = one drop of warmth */
  font-size:14px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--green-700);background:var(--green-50);
  border:1.5px solid var(--green-200);border-radius:999px;padding:9px 20px;margin-bottom:18px;
}
.eyebrow::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--amber);flex:0 0 auto}
.h2{font-size:clamp(1.6rem,3vw + .5rem,2.75rem);margin-bottom:14px}
.sub{color:var(--charcoal-700);font-size:clamp(16px,2vw,19px);max-width:660px}
/* footnote markers: discreet info icon + hover/focus tooltip, links to #disclaimer */
.footnote-ref{
  position:relative;display:inline-flex;align-items:center;justify-content:center;
  margin-left:4px;vertical-align:3px;color:var(--charcoal-400);text-decoration:none;
}
.footnote-ref:hover,.footnote-ref:focus-visible{color:var(--green-700)}
.footnote-ref::after{
  content:attr(data-tip);position:absolute;bottom:calc(100% + 8px);left:50%;transform:translateX(-50%);
  background:var(--charcoal-900);color:#fff;font-size:11.5px;font-weight:600;line-height:1.4;
  padding:7px 11px;border-radius:8px;white-space:nowrap;box-shadow:var(--shadow-rest);
  opacity:0;pointer-events:none;transition:opacity .15s;z-index:5;
}
.footnote-ref:hover::after,.footnote-ref:focus-visible::after{opacity:1}
.disclaimer .disc-title{color:var(--charcoal-700);font-weight:700}

/* ============ BUTTONS ============ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:var(--font-body);font-weight:700;font-size:17px;
  border-radius:var(--radius-btn);padding:16px 28px;border:0;cursor:pointer;
  text-decoration:none;transition:transform .18s cubic-bezier(.34,1.56,.64,1),box-shadow .18s ease,background .18s ease,border-color .18s ease;
}
.btn-primary{background:var(--green-700);color:#fff;box-shadow:0 6px 20px rgba(76,163,57,.3)} /* green-700 = 4.5:1 with white */
.btn-primary:hover{background:#2E6322;transform:translateY(-2px);box-shadow:0 12px 28px rgba(76,163,57,.36)}
.btn-primary:active{transform:translateY(0) scale(.97)}
.btn-primary .arrow{transition:transform .18s ease}
.btn-primary:hover .arrow{transform:translateX(4px)}
.btn-ghost{background:#fff;color:var(--charcoal-900);border:2px solid var(--charcoal-100)}
.btn-ghost:hover{border-color:var(--green-600);color:var(--green-700);transform:translateY(-2px)}
.btn-wa{background:#fff;color:#128C4B;border:2px solid #CDE9D8}
.btn-wa:hover{border-color:var(--whatsapp);transform:translateY(-2px)}
.btn-dark-wa{background:rgba(255,255,255,.08);color:#fff;border:2px solid rgba(255,255,255,.3)}
.btn-dark-wa:hover{border-color:var(--whatsapp);transform:translateY(-2px)}
.btn:focus-visible,.opt:focus-visible,.faq-q:focus-visible,button:focus-visible,input:focus-visible,a:focus-visible{
  outline:2px solid #fff;outline-offset:0;box-shadow:0 0 0 5px var(--green-900); /* double ring reads on any background */
}

/* ============ HEADER ============ */
.header{
  position:sticky;top:0;z-index:50;background:#fff;
  border-bottom:1px solid rgba(34,39,43,.06);transition:box-shadow .2s;
}
.header.scrolled{box-shadow:0 4px 20px rgba(34,39,43,.08)}
.header-in{display:flex;align-items:center;gap:18px;height:78px}
.logo{display:flex;align-items:center;text-decoration:none;color:var(--charcoal-900)}
.logo img{height:58px;width:auto;max-width:48vw;object-fit:contain}
.logo-text{font-family:var(--font-body);font-weight:800;font-size:20px;letter-spacing:.01em;color:var(--charcoal-700)}
.logo-text .g{color:var(--green-600)}
.logo-text small{display:block;font-size:8.5px;font-weight:700;letter-spacing:.4em;color:var(--charcoal-400);margin-top:-2px}
.header-right{margin-left:auto;display:flex;align-items:center;gap:18px}
.header-phone{display:flex;align-items:center;gap:8px;font-weight:700;font-size:15px;color:var(--charcoal-900);text-decoration:none}
.header-phone:hover{color:var(--green-700)}
.lang-switch{font-size:14.5px;font-weight:600;color:var(--charcoal-400);white-space:nowrap}
.lang-switch b{color:var(--charcoal-900)}
.lang-switch a{color:var(--green-700);text-decoration:none;font-weight:600}
.lang-switch a:hover{text-decoration:underline}
.header .btn{padding:11px 18px;font-size:15px}
@media(max-width:760px){
  .header-phone span{display:none}
  .header .btn-primary{display:none}
  .header-in{height:68px}.logo img{height:46px}
}

/* ============ HERO (copy + live quiz) ============ */
.hero{
  padding:clamp(40px,6vw,72px) 0 clamp(48px,7vw,84px);position:relative;overflow:visible;
  /* photo background with an off-white wash: stronger on the left so the
     headline stays readable, lighter on the right where the card is solid.
     If bg-hero.webp is missing, the wash + base color render alone. */
  background:
    linear-gradient(90deg,rgba(250,249,244,.97) 0%,rgba(250,249,244,.9) 45%,rgba(250,249,244,.7) 100%),
    url('../images/bg-hero.webp') center/cover no-repeat var(--off-white);
}
@media(max-width:940px){
  .hero{background:
    linear-gradient(rgba(250,249,244,.95),rgba(250,249,244,.9)),
    url('../images/bg-hero.webp') center/cover no-repeat var(--off-white)}
}
.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:clamp(32px,4.5vw,64px);align-items:center}
@media(max-width:940px){.hero-grid{grid-template-columns:1fr;gap:36px}}
.hero h1{font-size:clamp(2rem,4.3vw + .6rem,3.6rem);margin:16px 0 18px;color:var(--charcoal-900)}
.hero h1 .hl{color:var(--green-700);position:relative;white-space:nowrap}
.hero h1 .hl svg{position:absolute;left:0;bottom:-6px;width:100%;height:11px}
html.js .hero h1 .hl svg path{stroke-dasharray:230;stroke-dashoffset:230;animation:draw .9s cubic-bezier(.65,0,.35,1) .5s forwards}
@keyframes draw{to{stroke-dashoffset:0}}
.hero .sub{margin-bottom:24px}
.hero-trust{display:flex;flex-wrap:wrap;gap:10px 20px;color:var(--charcoal-700);font-size:14.5px;font-weight:600;list-style:none}
.hero-trust .check{color:var(--green-600);font-weight:800}
.hero-trust li{display:flex;align-items:center;gap:7px}

/* ambient blob behind quiz card — page's only ambient animation */
.quiz-zone{position:relative}
.quiz-blob{
  content:"";position:absolute;inset:-7% -9% -9% -7%;z-index:0;
  background:linear-gradient(145deg,var(--green-200),var(--green-50) 55%,transparent 85%);
  border-radius:58% 42% 46% 54%/52% 48% 52% 48%;
  animation:blob 16s ease-in-out infinite alternate;filter:blur(2px);
}
@keyframes blob{
  0%{border-radius:58% 42% 46% 54%/52% 48% 52% 48%;transform:rotate(0)}
  100%{border-radius:46% 54% 58% 42%/48% 56% 44% 52%;transform:rotate(4deg)}
}

/* ============ QUIZ CARD ============ */
.quiz-card{
  position:relative;z-index:1;background:#fff;border-radius:var(--radius-quiz);
  box-shadow:var(--shadow-deep);border:1px solid var(--charcoal-100);overflow:hidden;
}
.quiz-head{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:20px 26px 0}
.quiz-steps-label{font-size:13px;font-weight:700;color:var(--charcoal-400)}
.quiz-timer{
  display:flex;align-items:center;gap:6px;font-size:13px;font-weight:700;color:var(--green-700);
  background:var(--green-50);border-radius:999px;padding:5px 13px;
}
.progress{height:8px;background:var(--charcoal-100);border-radius:99px;margin:12px 26px 0;overflow:hidden}
.progress-fill{
  height:100%;width:10%;border-radius:99px;
  background:linear-gradient(90deg,var(--green-700),var(--green-600));
  transition:width .45s cubic-bezier(.4,0,.2,1);position:relative;
}
.progress-fill::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(110deg,transparent 30%,rgba(255,255,255,.45) 50%,transparent 70%);
  animation:shine 2.4s linear infinite;
}
@keyframes shine{from{transform:translateX(-100%)}to{transform:translateX(100%)}}
.quiz-body{padding:24px 26px 26px;min-height:420px;display:flex;flex-direction:column;position:relative}
@media(max-width:560px){.quiz-body{padding:20px 16px 20px;min-height:430px}.quiz-head{padding:16px 16px 0}.progress{margin:10px 16px 0}}
.qstep{display:none;animation:stepIn .25s ease}
.qstep.active{display:flex;flex-direction:column;flex:1}
.qstep.back-anim{animation:stepBack .25s ease}
@keyframes stepIn{from{opacity:0;transform:translateX(22px)}to{opacity:1;transform:none}}
@keyframes stepBack{from{opacity:0;transform:translateX(-22px)}to{opacity:1;transform:none}}
.qstep h3{font-size:clamp(19px,2.4vw,23px);font-weight:700;margin-bottom:4px;font-family:var(--font-body)}
.qstep .qhint{color:var(--charcoal-400);font-size:14px;margin-bottom:18px}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.opts.single{grid-template-columns:1fr}
@media(max-width:420px){.opts{grid-template-columns:1fr}}
.opt{
  display:flex;align-items:center;gap:12px;text-align:left;position:relative;
  background:var(--off-white);border:2px solid var(--charcoal-100);border-radius:var(--radius-card);
  padding:15px 16px;font-family:var(--font-body);font-size:16.5px;font-weight:600;color:var(--charcoal-900);
  cursor:pointer;transition:border-color .15s,transform .15s,background .15s,box-shadow .15s;
}
.opt{min-height:56px}
.opt:hover{border-color:var(--green-600);transform:translateY(-2px);box-shadow:var(--shadow-pop)}
.opt.picked{border-color:var(--green-600);background:var(--green-50);animation:pop .3s ease,halo .5s ease}
.opt.picked::after{
  content:"✓";position:absolute;top:-9px;right:-7px;width:24px;height:24px;border-radius:50%;
  background:var(--green-600);color:#fff;font-size:13px;font-weight:800;
  display:flex;align-items:center;justify-content:center;animation:pop .25s ease;
}
@keyframes pop{0%{transform:scale(.96)}45%{transform:scale(1.04)}100%{transform:scale(1)}}
@keyframes halo{from{box-shadow:0 0 0 0 rgba(76,163,57,.33)}to{box-shadow:0 0 0 16px rgba(76,163,57,0)}}
.qnav{display:flex;align-items:center;justify-content:space-between;margin-top:auto;padding-top:18px}
.qback{
  background:none;border:0;color:var(--charcoal-400);font-weight:600;font-size:14.5px;cursor:pointer;
  display:inline-flex;align-items:center;gap:6px;padding:8px 10px;border-radius:10px;font-family:var(--font-body);
}
.qback:hover{color:var(--charcoal-900);background:var(--off-white)}
.qback[hidden]{visibility:hidden;display:inline-flex}
.qcontinue{margin-left:auto}

/* zip input */
.zip-row{display:flex;gap:12px;flex-wrap:wrap}
.zip-row input{flex:1;min-width:140px}
@media(max-width:360px){.zip-row .btn{width:100%}}

/* contact step */
.result-banner{
  background:var(--green-50);border:1.5px solid var(--green-200);border-radius:var(--radius-card);
  padding:13px 16px;font-size:14.5px;font-weight:600;color:var(--green-900);margin-bottom:16px;
  display:flex;gap:10px;align-items:flex-start;line-height:1.45;
}
.frow{display:grid;grid-template-columns:1fr;gap:12px;margin-bottom:4px}
.field{position:relative;padding-bottom:20px}
.field input{
  width:100%;padding:14px 15px;border:2px solid var(--charcoal-100);border-radius:var(--radius-btn);
  font-family:var(--font-body);font-size:16px;color:var(--charcoal-900);background:var(--off-white);
  transition:border-color .15s,box-shadow .15s;
}
.field input:focus{outline:none;border-color:var(--green-600);background:#fff;box-shadow:0 0 0 3px rgba(76,163,57,.15)}
.field input.err{border-color:var(--error)}
.field .errmsg{position:absolute;bottom:2px;left:2px;display:none;color:var(--error);font-size:12.5px;font-weight:600}
.field.show-err .errmsg{display:block}
.phone-note{font-size:13px;color:var(--charcoal-700);font-weight:500;margin:2px 0 8px;display:flex;gap:7px;align-items:flex-start}
.pref-chips{display:flex;gap:10px;margin:2px 0 14px}
.pref-chip{
  flex:1;display:flex;align-items:center;justify-content:center;gap:8px;
  border:2px solid var(--charcoal-100);background:var(--off-white);border-radius:999px;
  padding:10px 12px;font-family:var(--font-body);font-size:14.5px;font-weight:700;color:var(--charcoal-700);cursor:pointer;
  transition:border-color .15s,background .15s,color .15s;
}
.pref-chip.picked{border-color:var(--green-600);background:var(--green-50);color:var(--green-900)}
.consent{
  display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:var(--charcoal-700);
  line-height:1.5;cursor:pointer;margin-bottom:6px;
}
.consent input{margin-top:3px;width:17px;height:17px;flex:0 0 auto;accent-color:var(--green-600);cursor:pointer}
.consent-toggle{
  background:none;border:0;padding:0;color:var(--green-700);font-weight:700;font-size:12.5px;
  cursor:pointer;text-decoration:underline;font-family:var(--font-body);
}
.consent-full{
  font-size:12px;color:var(--charcoal-700);line-height:1.55;background:var(--off-white);
  border:1px solid var(--charcoal-100);border-radius:10px;padding:12px 14px;margin:4px 0 10px;
}
.consent-err{display:none;color:var(--error);font-size:12.5px;font-weight:600;margin:4px 0 6px}
.consent-err.on{display:block}
.legal-line{font-size:11.5px;color:var(--charcoal-400);margin-top:12px;text-align:center}
.legal-line a{color:var(--charcoal-400)}
.secure-line{display:flex;align-items:center;justify-content:center;gap:7px;font-size:12.5px;color:var(--charcoal-400);margin-top:10px;font-weight:500}

/* inline submit-failure notice (stays on step 8, nothing is lost) */
.submit-fail{
  background:#FDF3F2;border:1.5px solid #E8B8B3;border-radius:var(--radius-card);
  padding:14px 16px;font-size:14px;line-height:1.55;color:var(--charcoal-900);margin-bottom:14px;
}
.submit-fail a{color:var(--green-700);font-weight:700}
.submit-fail:focus{outline:none}

/* "save our number" line on the success screen */
.save-num{font-size:13px;color:var(--charcoal-400);margin-top:14px}
.save-num a{color:var(--green-700);font-weight:700;text-decoration:none}

/* spinner on submit */
.btn .spinner{
  width:18px;height:18px;border-radius:50%;border:3px solid rgba(255,255,255,.35);
  border-top-color:#fff;animation:spin .7s linear infinite;display:none;
}
.btn.loading .spinner{display:block}
.btn.loading .label,.btn.loading .arrow{opacity:.5}
@keyframes spin{to{transform:rotate(360deg)}}

/* success */
.qsuccess{text-align:center;padding:18px 4px;display:none;animation:stepIn .4s ease}
.qsuccess.active{display:block}
.qsuccess .big{display:flex;justify-content:center;color:var(--green-600);margin-bottom:12px}
.qsuccess.active .big circle{stroke-dasharray:57;stroke-dashoffset:57;animation:draw .5s ease .1s forwards}
.qsuccess.active .big path{stroke-dasharray:12;stroke-dashoffset:12;animation:draw .35s ease .55s forwards}
.qsuccess h3{font-size:26px;margin-bottom:8px;font-family:var(--font-display);font-weight:600}
.qsuccess p{color:var(--charcoal-700);max-width:420px;margin:0 auto 16px;font-size:15px}
.next-steps{list-style:none;text-align:left;max-width:360px;margin:0 auto 18px;display:grid;gap:9px}
.next-steps li{display:flex;gap:10px;font-size:14.5px;color:var(--charcoal-700);font-weight:500}
.next-steps .check{color:var(--green-600);font-weight:800}

/* ============ TRUST BAR ============ */
.strip{padding:0 0 8px}
.strip-in{
  display:grid;grid-template-columns:repeat(4,1fr);gap:12px;
  background:#fff;border:1px solid var(--charcoal-100);border-radius:var(--radius-card);
  padding:22px 26px;box-shadow:var(--shadow-rest);
}
.strip-item{display:flex;align-items:center;gap:11px;font-weight:600;font-size:14.5px;justify-content:center}
.strip-item .ico{color:var(--green-600);flex:0 0 auto;display:flex}
@media(max-width:940px){.strip-in{grid-template-columns:repeat(2,1fr);gap:16px}}
@media(max-width:560px){.strip-in{padding:18px}.strip-item{font-size:13px;justify-content:flex-start}}

/* ============ STATS BAND (charcoal) ============ */
.band{
  background:
    radial-gradient(40% 70% at 10% 100%,rgba(245,184,46,.10),transparent 60%),
    radial-gradient(70% 130% at 85% 0%,rgba(76,163,57,.22),transparent 60%),
    linear-gradient(rgba(27,31,35,.88),rgba(27,31,35,.93)),
    url('../images/bg-stats.webp') center/cover no-repeat var(--charcoal-900);
  color:#fff;
}
.band .h2{color:#fff}
.band .sub{color:rgba(255,255,255,.72)}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:48px 0 36px}
@media(max-width:760px){.stats{grid-template-columns:1fr;max-width:440px;margin-left:auto;margin-right:auto}}
.stat{
  background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);
  border-radius:var(--radius-card);padding:30px 26px;text-align:center;
}
.stat .num{font-family:var(--font-display);font-size:clamp(44px,6vw,64px);font-weight:700;color:var(--green-200);line-height:1}
.stat p{margin-top:12px;font-size:14.5px;color:rgba(255,255,255,.8)}
.stat-src{font-size:12px;color:rgba(255,255,255,.4);text-align:center;margin-bottom:30px}
.band .closer{text-align:center;font-size:clamp(17px,2.2vw,21px);font-weight:600;margin-bottom:22px}
.band .closer .good{color:var(--green-200)}

/* ============ BENTO VALUE PROPS ============ */
.bento{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:46px}
@media(max-width:940px){.bento{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.bento{grid-template-columns:1fr}}
.tile{
  background:#fff;border:1px solid var(--charcoal-100);border-radius:var(--radius-card);
  padding:30px 26px;box-shadow:var(--shadow-rest);transition:transform .2s,box-shadow .2s;
  display:flex;flex-direction:column;gap:10px;text-align:left;
}
.tile:hover{transform:translateY(-5px);box-shadow:var(--shadow-pop)}
.tile .tico{
  width:50px;height:50px;border-radius:14px;background:var(--green-50);
  display:flex;align-items:center;justify-content:center;color:var(--green-700);margin-bottom:6px;
}
.tile h3{font-size:18px;font-weight:700}
.tile p{color:var(--charcoal-700);font-size:14.5px}
.tile-feature{
  grid-column:span 2;
  background:linear-gradient(135deg,var(--green-50),#fff 70%);
  display:grid;grid-template-columns:1.2fr .8fr;gap:18px;align-items:center;overflow:hidden;
}
.tile-feature h3{font-size:clamp(20px,2.4vw,26px);font-family:var(--font-display);font-weight:600}
.tile-feature .tphoto{height:100%;min-height:170px;border-radius:12px;overflow:hidden;position:relative}
.tile-feature .tphoto img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}
.tile-feature .tphoto .ph-fallback{
  position:absolute;inset:0;display:flex;align-items:center;justify-content:center;font-size:52px;
  background:linear-gradient(150deg,var(--green-200),var(--green-50));
}
@media(max-width:940px){.tile-feature{grid-column:span 2}}
@media(max-width:560px){.tile-feature{grid-column:span 1;grid-template-columns:1fr}.tile-feature .tphoto{min-height:150px}}
.tile-wa{background:linear-gradient(135deg,#E9FBF0,#fff 75%)}
.tile-wa .tico{background:#E9FBF0;color:#128C4B}

/* ============ IUL EXPLAINER + CHART ============ */
.iul{background:linear-gradient(180deg,var(--off-white) 0%,var(--green-50) 100%);border-top:1px solid var(--charcoal-100);border-bottom:1px solid var(--charcoal-100)}
.iul-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,5vw,60px);align-items:start;margin-top:8px}
@media(max-width:940px){.iul-grid{grid-template-columns:1fr;gap:40px}}
.iul-points{list-style:none;margin-top:24px;display:grid;gap:16px}
.iul-points li{display:flex;gap:13px;align-items:flex-start;font-size:16.5px;font-weight:500}
.iul-points .tick{
  flex:0 0 28px;height:28px;border-radius:50%;background:var(--green-600);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:800;margin-top:1px;
}
.calc{
  background:#fff;border:1px solid var(--charcoal-100);border-radius:var(--radius-quiz);box-shadow:var(--shadow-deep);
  padding:30px 28px;position:sticky;top:90px;
}
@media(max-width:560px){.calc{padding:22px 16px}}
.calc h3{font-size:20px;margin-bottom:4px;font-weight:700}
.calc .calc-sub{color:var(--charcoal-400);font-size:13.5px;margin-bottom:18px}
.honest-rows{display:grid;gap:14px;margin:4px 0 16px}
.honest-rows .row{display:flex;gap:12px;align-items:flex-start;font-size:14.5px;line-height:1.55;color:var(--charcoal-900)}
.honest-rows .ico{flex:0 0 auto;display:flex;margin-top:2px;color:var(--green-700)}
.rb-ico{flex:0 0 auto;display:flex;margin-top:1px;color:var(--green-700)}
.contact-li .ci{display:flex;flex:0 0 auto;color:var(--green-700)}
.calc .result-banner{margin-bottom:0}
.calc-note{font-size:11.5px;color:var(--charcoal-400);line-height:1.55;margin-top:14px}

/* ============ HOW IT WORKS + ADVISOR ============ */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:46px}
@media(max-width:940px){.steps{grid-template-columns:1fr;max-width:460px;margin-left:auto;margin-right:auto}}
.step{
  background:#fff;border:1px solid var(--charcoal-100);border-radius:var(--radius-card);padding:32px 26px;
  box-shadow:var(--shadow-rest);text-align:left;
}
.step .snum{
  width:44px;height:44px;border-radius:50%;background:var(--charcoal-900);color:#fff;
  font-family:var(--font-display);font-weight:700;font-size:19px;
  display:flex;align-items:center;justify-content:center;margin-bottom:16px;
}
.step:nth-child(2) .snum{background:var(--green-600)}
.step:nth-child(3) .snum{background:var(--amber);color:var(--charcoal-900)}
.step h3{font-size:18px;margin-bottom:8px;font-weight:700}
.step p{color:var(--charcoal-700);font-size:14.5px}
.advisor{
  margin-top:26px;background:#fff;border:1px solid var(--charcoal-100);border-radius:var(--radius-card);
  box-shadow:var(--shadow-rest);padding:26px 28px;display:flex;gap:20px;align-items:center;
  max-width:640px;margin-left:auto;margin-right:auto;text-align:left;
}
@media(max-width:560px){.advisor{flex-direction:column;text-align:center}}
.advisor img,.advisor .avatar-fb{width:84px;height:84px;border-radius:50%;object-fit:cover;flex:0 0 auto}
.advisor .avatar-fb{background:var(--green-200);color:var(--green-900);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:28px;font-family:var(--font-display)}
.advisor b{font-size:17px}
.advisor .lic{font-size:13px;color:var(--charcoal-400);font-weight:600;margin:2px 0 8px}
.advisor p{font-size:14.5px;color:var(--charcoal-700)}

/* ============ TESTIMONIALS ============ */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:46px}
@media(max-width:940px){.quotes{grid-template-columns:1fr;max-width:540px;margin-left:auto;margin-right:auto}}
.quote{
  background:#fff;border:1px solid var(--charcoal-100);border-radius:var(--radius-card);padding:28px 26px;
  box-shadow:var(--shadow-rest);display:flex;flex-direction:column;gap:16px;text-align:left;
}
.quote p{font-size:15px;line-height:1.65;color:var(--charcoal-900)}
.qwho{display:flex;align-items:center;gap:12px;margin-top:auto}
.qwho img,.qwho .avatar-fb{width:44px;height:44px;border-radius:50%;object-fit:cover}
.avatar-fb{background:var(--green-200);color:var(--green-900);display:flex;align-items:center;justify-content:center;font-weight:800;font-family:var(--font-display)}
.qwho b{display:block;font-size:14.5px}
.qwho span{font-size:12.5px;color:var(--charcoal-400)}

/* ============ FAQ ============ */
.faq-list{max-width:760px;margin:42px auto 0;display:grid;gap:12px;text-align:left}
.faq-item{background:#fff;border:1px solid var(--charcoal-100);border-radius:var(--radius-card);overflow:hidden;transition:box-shadow .2s,background .2s}
.faq-item.open{box-shadow:var(--shadow-rest);background:var(--green-50)}
.faq-q{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:16px;
  background:none;border:0;padding:19px 22px;cursor:pointer;text-align:left;
  font-family:var(--font-body);font-weight:700;font-size:16px;color:var(--charcoal-900);
}
.faq-q .plus{
  flex:0 0 28px;height:28px;border-radius:50%;background:var(--green-50);color:var(--green-700);
  display:flex;align-items:center;justify-content:center;font-size:18px;font-weight:700;
  transition:transform .25s,background .2s;
}
.faq-item.open .plus{transform:rotate(45deg);background:var(--green-600);color:#fff}
.faq-a{max-height:0;overflow:hidden;visibility:hidden;transition:max-height .25s ease,visibility .25s} /* visibility keeps collapsed answers out of the a11y tree */
.faq-item.open .faq-a{visibility:visible}
.faq-a p{padding:0 22px 20px;color:var(--charcoal-700);font-size:14.5px}

/* ============ FINAL CTA ============ */
.final{
  background:
    radial-gradient(70% 120% at 80% 0%,rgba(76,163,57,.3),transparent 60%),
    radial-gradient(50% 100% at 10% 100%,rgba(76,163,57,.16),transparent 60%),
    linear-gradient(rgba(27,31,35,.78),rgba(27,31,35,.88)),
    url('../images/bg-final.webp') center/cover no-repeat var(--charcoal-900);
  color:#fff;border-radius:28px;margin:0 20px;overflow:hidden;
}
.final-in{max-width:var(--max);margin:0 auto;padding:clamp(60px,8vw,92px) 24px;text-align:center}
.final h2{font-size:clamp(1.7rem,3.6vw + .4rem,2.9rem);margin-bottom:12px;font-weight:600}
.final p{color:rgba(255,255,255,.75);font-size:18px;margin-bottom:30px}
.final .btn-primary{box-shadow:0 10px 32px rgba(0,0,0,.35)}
.final-ctas{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}

/* ============ FOOTER ============ */
.footer{background:#fff;border-top:1px solid var(--charcoal-100);color:var(--charcoal-700);margin-top:clamp(56px,8vw,96px);padding:56px 0 32px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:38px}
@media(max-width:940px){.footer-grid{grid-template-columns:1fr;gap:28px}}
.footer .logo img{height:40px}
.footer p,.footer a,.footer li{font-size:14.5px;color:var(--charcoal-700)}
.footer a{text-decoration:none}
.footer a:hover{color:var(--green-700)}
.footer h4{color:var(--charcoal-900);font-size:13px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.footer ul{list-style:none;display:grid;gap:9px}
.footer .contact-li{display:flex;gap:9px;align-items:center}
.disclaimer{font-size:11.5px;color:var(--charcoal-400);line-height:1.6;border-top:1px solid var(--charcoal-100);padding-top:22px}
.copyright{font-size:12.5px;color:var(--charcoal-400);margin-top:14px;display:flex;flex-wrap:wrap;gap:8px 22px}
.copyright a{font-size:12.5px;color:var(--charcoal-400)}

/* ============ FLOATING WHATSAPP + STICKY BAR ============ */
.wa-float{
  position:fixed;right:18px;bottom:18px;z-index:58;width:58px;height:58px;border-radius:50%;
  background:var(--whatsapp);color:#fff;display:flex;align-items:center;justify-content:center;
  box-shadow:0 8px 24px rgba(18,140,75,.4);text-decoration:none;
  animation:waIn .5s ease 1.2s backwards;transition:transform .18s;
}
.wa-float:hover{transform:scale(1.08)}
@keyframes waIn{from{opacity:0;transform:scale(.4)}60%{transform:scale(1.12)}to{opacity:1;transform:scale(1)}}
@media(max-width:760px){.wa-float.lift{bottom:84px}}
.sticky-bar{
  position:fixed;left:0;right:0;bottom:0;z-index:57;display:none;
  padding:10px 14px calc(10px + env(safe-area-inset-bottom));
  background:rgba(255,255,255,.96);backdrop-filter:blur(10px);
  border-top:1px solid var(--charcoal-100);box-shadow:0 -8px 30px rgba(34,39,43,.12);
  transform:translateY(110%);transition:transform .3s ease;
}
.sticky-bar.show{transform:none}
.sticky-bar .btn{width:100%;padding:14px 10px;font-size:15.5px}
@media(max-width:760px){.sticky-bar{display:block}}

/* ============ EXIT-INTENT MODAL (desktop) ============ */
.modal-backdrop{
  position:fixed;inset:0;z-index:70;background:rgba(34,39,43,.5);backdrop-filter:blur(3px);
  display:none;align-items:center;justify-content:center;padding:20px;
}
.modal-backdrop.show{display:flex;animation:fadeIn .2s ease}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
.modal{
  background:#fff;border-radius:var(--radius-quiz);box-shadow:var(--shadow-deep);
  max-width:440px;width:100%;padding:36px 32px;text-align:center;position:relative;
  animation:modalIn .3s cubic-bezier(.3,1.4,.6,1);
}
@keyframes modalIn{from{opacity:0;transform:scale(.92) translateY(12px)}to{opacity:1;transform:none}}
.modal .mclose{
  position:absolute;top:14px;right:14px;width:34px;height:34px;border-radius:50%;border:0;
  background:var(--off-white);color:var(--charcoal-400);font-size:17px;cursor:pointer;
}
.modal .mclose:hover{background:var(--charcoal-100);color:var(--charcoal-900)}
.modal h3{font-family:var(--font-display);font-weight:600;font-size:23px;margin-bottom:8px}
.modal p{color:var(--charcoal-700);font-size:15px;margin-bottom:22px}
.modal .btn{width:100%}

/* ============ REVEAL (only when JS is running — no-JS visitors see everything) ============ */
html.js .reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}
html.js .reveal.in{opacity:1;transform:none}
html.js .bento .tile:nth-child(2){transition-delay:.07s}
html.js .bento .tile:nth-child(3){transition-delay:.14s}
html.js .bento .tile:nth-child(4){transition-delay:.21s}
html.js .bento .tile:nth-child(5){transition-delay:.28s}
html.js .steps .step:nth-child(2){transition-delay:.1s}
html.js .steps .step:nth-child(3){transition-delay:.2s}

/* confetti canvas */
#confetti{position:fixed;inset:0;pointer-events:none;z-index:100}

/* util */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}