/* Kalpa Investments - site styles */
:root {
  --green-950: #062a1f;
  --green-900: #0a3b2c;
  --green-800: #0f4c39;
  --green-700: #14563f;
  --green-600: #1c6b4e;
  --green-100: #e4efe8;
  --green-50: #f1f7f3;
  --gold-500: #c9a24b;
  --gold-600: #a88530;
  --gold-300: #e6cd8a;
  --gold-100: #f7efd6;
  --cream: #fbf8f1;
  --paper: #ffffff;
  --ink: #12201a;
  --muted: #55645c;
  --line: #e2e8e4;
  --danger: #b3261e;
  --wa: #1fa855;
  --radius: 8px;
  --radius-sm: 6px;
  --shadow: 0 6px 20px rgba(10, 59, 44, 0.06);
  --shadow-sm: 0 2px 8px rgba(10, 59, 44, 0.05);
  --font-head: "Fraunces", Georgia, "Times New Roman", serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans Devanagari", sans-serif;
  --max: 1160px;
  --measure: 62ch;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--green-700); text-underline-offset: 3px; }
a:hover { color: var(--green-900); }
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--green-900); line-height: 1.15; margin: 0 0 .5em; font-weight: 600; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.3rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.5rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; }
.lead { max-width: var(--measure); }
.center .lead, .section-head.center .lead { margin-left: auto; margin-right: auto; }
ul { padding-left: 1.2em; }
:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 3px; border-radius: 4px; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 22px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--gold-500); color: var(--ink); padding: 10px 16px; border-radius: 8px; z-index: 200; font-weight: 600; }
.skip-link:focus { left: 12px; }
.center { text-align: center; }
.muted { color: var(--muted); }
.hidden-cfg { display: none !important; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  padding: .9em 1.5em; border-radius: 999px; font: 600 1rem/1 var(--font-body);
  text-decoration: none; border: 2px solid transparent; cursor: pointer;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn--primary { background: var(--gold-500); color: var(--green-950); box-shadow: 0 6px 18px rgba(201, 162, 75, .35); }
.btn--primary:hover { background: var(--gold-300); color: var(--green-950); }
.btn--dark { background: var(--green-900); color: #fff; }
.btn--dark:hover { background: var(--green-700); color: #fff; }
.btn--ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.55); }
.btn--ghost:hover { background: rgba(255,255,255,.12); color: #fff; }
.btn--outline { background: transparent; color: var(--green-900); border-color: var(--green-900); }
.btn--outline:hover { background: var(--green-900); color: #fff; }
.btn--wa { background: var(--wa); color: #fff; }
.btn--wa:hover { background: #178a46; color: #fff; }
.btn--sm { padding: .7em 1.2em; font-size: .95rem; }
.btn svg { width: 1.15em; height: 1.15em; }
.btn[disabled] { opacity: .6; cursor: progress; transform: none; }

/* Icons */
.icon { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: none; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 100; background: rgba(251, 248, 241, .94); backdrop-filter: blur(10px); border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s; }
.site-header.scrolled { border-color: var(--line); box-shadow: var(--shadow-sm); }
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 76px; gap: 20px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; color: var(--green-900); }
.brand-mark { width: 44px; height: 44px; }
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name { font-family: var(--font-head); font-weight: 700; font-size: 1.55rem; letter-spacing: .01em; }
.brand-sub { font-size: .68rem; letter-spacing: .32em; text-transform: uppercase; color: var(--gold-600); font-weight: 600; margin-top: 4px; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav a:not(.btn) { color: var(--ink); text-decoration: none; padding: .55em .9em; border-radius: 999px; font-weight: 500; font-size: .98rem; }
.nav a:not(.btn):hover { background: var(--green-100); color: var(--green-900); }
.nav a[aria-current="page"] { color: var(--green-900); background: var(--green-100); font-weight: 600; }
.nav-cta { margin-left: 10px; }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; border-radius: 10px; color: var(--green-900); cursor: pointer; }
.nav-toggle svg { width: 28px; height: 28px; }

/* Sections */
.section { padding: clamp(56px, 9vw, 120px) 0; }
.section--tint { background: var(--green-50); }
.section--white { background: var(--paper); }
.section--dark { background: var(--green-900); color: #e8f1ec; }
.section--dark h2, .section--dark h3 { color: #fff; }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; font-size: .78rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-600); margin-bottom: 14px; }
.eyebrow::before { content: ""; width: 20px; height: 2px; background: var(--gold-500); display: inline-block; }
.section-head.center .eyebrow { justify-content: center; }
.section--dark .eyebrow, .hero .eyebrow { color: var(--gold-300); }
.section-head { max-width: 680px; margin-bottom: 44px; }
.section-head.center { margin-left: auto; margin-right: auto; }
.lead { font-size: 1.2rem; color: var(--muted); }

/* Hero */
.hero { position: relative; overflow: hidden; color: #e8f1ec; background: radial-gradient(1200px 600px at 85% -10%, rgba(201,162,75,.22), transparent 60%), linear-gradient(160deg, var(--green-950), var(--green-900) 55%, var(--green-800)); padding: clamp(48px, 7vw, 96px) 0 clamp(60px, 8vw, 110px); }
.hero h1 { color: #fff; }
.hero h1 em { font-style: italic; color: var(--gold-300); }
.hero .lead { color: #cfe0d6; max-width: 34em; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 14px; margin: 30px 0 18px; }
.hero-note { font-size: .95rem; color: #a9c3b5; display: flex; gap: 8px; align-items: center; }
.hero-mr { font-size: 1.05rem; color: var(--gold-300); margin-top: 26px; font-weight: 500; }
.hero-art { position: relative; min-height: 420px; display: grid; place-items: center; }
.hero-art .bg-mark { position: absolute; inset: -6% -6% -6% -6%; opacity: .16; }
.goal-card { position: relative; background: #fff; color: var(--ink); border-radius: 10px; padding: 26px; width: min(100%, 390px); box-shadow: 0 20px 44px rgba(0,0,0,.22); }
.goal-card h3 { font-size: 1.05rem; font-family: var(--font-body); font-weight: 700; margin-bottom: 4px; }
.goal-card .tag { font-size: .75rem; color: var(--muted); }
.goal { margin-top: 18px; }
.goal-top { display: flex; justify-content: space-between; font-size: .92rem; font-weight: 600; margin-bottom: 7px; }
.goal-top span:last-child { color: var(--green-700); }
.bar { height: 10px; background: var(--green-100); border-radius: 99px; overflow: hidden; }
.bar > i { display: block; height: 100%; border-radius: 99px; background: linear-gradient(90deg, var(--green-600), var(--gold-500)); }
.goal-foot { margin-top: 20px; padding-top: 14px; border-top: 1px dashed var(--line); font-size: .78rem; color: var(--muted); }

/* Trust strip */
.trust { background: var(--paper); border-bottom: 1px solid var(--line); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.trust-item { display: flex; gap: 14px; align-items: center; padding: 22px 18px; border-right: 1px solid var(--line); }
.trust-item:last-child { border-right: 0; }
.trust-item .icon { color: var(--gold-600); width: 30px; height: 30px; }
.trust-item strong { display: block; font-size: .98rem; line-height: 1.25; color: var(--green-900); }
.trust-item span { font-size: .84rem; color: var(--muted); line-height: 1.35; display: block; }

/* Cards */
.grid { display: grid; gap: 24px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm); transition: transform .2s, box-shadow .2s, border-color .2s; }
a.card { display: block; text-decoration: none; color: inherit; }
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--gold-300); }
.card-icon { width: 52px; height: 52px; border-radius: 6px; display: grid; place-items: center; background: var(--green-100); color: var(--green-700); margin-bottom: 18px; }
.card p { color: var(--muted); margin-bottom: 0; font-size: .98rem; }
.card .more { display: inline-block; margin-top: 14px; font-weight: 600; font-size: .95rem; color: var(--green-700); }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; }
.step { position: relative; padding: 28px 24px; background: var(--paper); border-radius: var(--radius); border: 1px solid var(--line); }
.step::before { counter-increment: step; content: counter(step); display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--green-900); color: var(--gold-300); font-family: var(--font-head); font-weight: 700; margin-bottom: 16px; }
.step h3 { font-size: 1.1rem; }
.step p { color: var(--muted); font-size: .96rem; margin: 0; }

/* Split */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.checklist { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 14px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; }
.checklist .icon { color: var(--green-600); margin-top: 2px; }
.checklist strong { color: var(--green-900); }
.panel { background: var(--green-900); color: #dcebe2; border-radius: 10px; padding: 38px; position: relative; overflow: hidden; border-left: 2px solid var(--gold-500); }
.panel h3 { color: #fff; font-size: 1.5rem; }
.panel .quote { font-family: var(--font-head); font-size: 1.35rem; line-height: 1.4; color: #fff; }
.panel .kalpa-def { display: flex; gap: 14px; align-items: baseline; margin-bottom: 18px; }
.panel .kalpa-def b { font-family: var(--font-head); font-size: 2.4rem; color: var(--gold-300); }
.panel .kalpa-def span { color: #a9c3b5; font-style: italic; }

/* Chips */
.chips { display: flex; flex-wrap: wrap; gap: 12px; }
.chip { display: inline-flex; align-items: center; gap: 10px; background: var(--paper); border: 1px solid var(--line); padding: 12px 18px; border-radius: 999px; font-weight: 500; }
.chip .icon { color: var(--green-600); width: 20px; height: 20px; }

/* Calculators */
.calc { background: var(--paper); border: 1px solid var(--line); border-radius: 22px; box-shadow: var(--shadow); overflow: hidden; }
.calc-tabs { display: flex; gap: 6px; padding: 12px; background: var(--green-50); border-bottom: 1px solid var(--line); overflow-x: auto; scrollbar-width: thin; }
.calc-tab { flex: none; background: transparent; border: 0; padding: .7em 1.2em; border-radius: 999px; font: 600 .95rem var(--font-body); color: var(--muted); cursor: pointer; white-space: nowrap; }
.calc-tab:hover { background: #fff; color: var(--green-900); }
.calc-tab[aria-selected="true"] { background: var(--green-900); color: #fff; }
.calc-body { display: grid; grid-template-columns: 1fr 1.15fr; }
.calc-inputs { padding: 30px; border-right: 1px solid var(--line); }
.calc-results { padding: 30px; background: linear-gradient(180deg, #fff, var(--green-50)); }
.calc-title { font-family: var(--font-head); font-size: 1.4rem; margin-bottom: 4px; color: var(--green-900); }
.calc-desc { color: var(--muted); font-size: .92rem; margin-bottom: 22px; }
.field { margin-bottom: 22px; }
.field-top { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 8px; }
.field label { font-weight: 600; font-size: .93rem; color: var(--ink); }
.num-wrap { display: flex; align-items: center; background: var(--green-50); border: 1px solid var(--line); border-radius: 10px; padding: 0 10px; }
.num-wrap:focus-within { border-color: var(--green-600); box-shadow: 0 0 0 3px rgba(28, 107, 78, .18); }
.num-wrap span { color: var(--muted); font-size: .9rem; font-weight: 600; }
.num-wrap input { width: 92px; border: 0; background: transparent; text-align: right; font: 600 1rem var(--font-body); padding: 9px 4px; color: var(--green-900); outline: none; -moz-appearance: textfield; }
.num-wrap input::-webkit-outer-spin-button, .num-wrap input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
input[type="range"] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 99px; background: var(--green-100); outline: none; cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--green-900); border: 4px solid var(--gold-500); box-shadow: 0 2px 6px rgba(0,0,0,.25); }
input[type="range"]::-moz-range-thumb { width: 16px; height: 16px; border-radius: 50%; background: var(--green-900); border: 4px solid var(--gold-500); }
.res-primary { background: var(--green-900); color: #fff; border-radius: 16px; padding: 22px 24px; margin-bottom: 18px; }
.res-primary small { display: block; color: #a9c3b5; font-size: .82rem; letter-spacing: .05em; text-transform: uppercase; font-weight: 600; }
.res-primary strong { display: block; font-family: var(--font-head); font-size: clamp(2rem, 4vw, 2.7rem); color: var(--gold-300); line-height: 1.1; margin-top: 4px; }
.res-primary em { display: block; font-style: normal; color: #cfe0d6; font-size: .9rem; margin-top: 6px; }
.res-rows { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-bottom: 18px; }
.res-row { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 12px 16px; }
.res-row small { display: block; color: var(--muted); font-size: .8rem; }
.res-row b { font-size: 1.1rem; color: var(--green-900); }
.chart { width: 100%; height: auto; }
.chart text { font: 11px var(--font-body); fill: #6b7a72; }
.legend { display: flex; gap: 18px; font-size: .85rem; color: var(--muted); margin: 6px 0 14px; flex-wrap: wrap; }
.legend i { display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-right: 6px; vertical-align: -1px; }
.calc-disclaimer { font-size: .8rem; color: var(--muted); line-height: 1.5; margin: 0; }
.calc-cta { margin-top: 16px; }
.calc--compact .calc-tabs { display: none; }

/* FAQ */
.faq { display: grid; gap: 12px; max-width: 860px; }
.faq.center-block { margin-left: auto; margin-right: auto; }
details.qa { background: var(--paper); border: 1px solid var(--line); border-radius: 14px; padding: 0 22px; }
details.qa[open] { border-color: var(--gold-300); box-shadow: var(--shadow-sm); }
details.qa summary { cursor: pointer; font-weight: 600; padding: 18px 0; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 16px; color: var(--green-900); }
details.qa summary::-webkit-details-marker { display: none; }
details.qa summary::after { content: "+"; font-size: 1.5rem; line-height: 1; color: var(--gold-600); transition: transform .2s; }
details.qa[open] summary::after { transform: rotate(45deg); }
details.qa .ans { padding: 0 0 20px; color: var(--muted); }
details.qa .ans p:last-child { margin-bottom: 0; }

/* CTA band */
.cta-band { background: linear-gradient(135deg, var(--green-900), var(--green-700)); color: #e8f1ec; border-radius: 10px; padding: clamp(36px, 6vw, 64px); display: flex; gap: 32px; align-items: center; justify-content: space-between; flex-wrap: wrap; position: relative; overflow: hidden; border-top: 2px solid var(--gold-500); }
.cta-band h2 { color: #fff; margin-bottom: 8px; }
.cta-band p { margin: 0; color: #cfe0d6; max-width: 34em; }
.cta-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* Page hero (inner pages) */
.page-hero { background: linear-gradient(160deg, var(--green-950), var(--green-900)); color: #cfe0d6; padding: clamp(44px, 6vw, 80px) 0; }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4.4vw, 3rem); margin-bottom: 12px; }
.page-hero p { max-width: 42em; margin: 0; font-size: 1.12rem; }
.crumbs { font-size: .85rem; color: #a9c3b5; margin-bottom: 14px; }
.crumbs a { color: var(--gold-300); }

/* Service blocks */
.service { display: grid; grid-template-columns: 76px 1fr; gap: 22px; padding: 34px 0; border-bottom: 1px solid var(--line); }
.service:last-child { border-bottom: 0; }
.service .card-icon { width: 64px; height: 64px; margin: 0; }
.service h3 { font-size: 1.45rem; }
.service ul { color: var(--muted); margin: 10px 0 0; }
.service li { margin-bottom: 4px; }
.service .for { display: inline-block; margin-top: 12px; font-size: .88rem; background: var(--gold-100); color: #6b5314; padding: 6px 12px; border-radius: 999px; font-weight: 600; }

/* Prose (legal pages) */
.prose { max-width: 800px; }
.prose h2 { font-size: 1.5rem; margin-top: 2em; }
.prose h3 { font-size: 1.15rem; margin-top: 1.6em; }
.prose li { margin-bottom: .4em; }
.prose table { width: 100%; border-collapse: collapse; margin: 1em 0; font-size: .95rem; }
.prose th, .prose td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; vertical-align: top; }
.prose th { background: var(--green-50); color: var(--green-900); }
.notice { background: var(--gold-100); border-left: 4px solid var(--gold-500); padding: 16px 20px; border-radius: 0 12px 12px 0; color: #4d3d0d; margin: 1.4em 0; font-size: .98rem; }
.notice strong { color: #3a2d05; }

/* Forms / contact */
.contact-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 40px; align-items: start; }
.form-card { background: var(--paper); border: 1px solid var(--line); border-radius: 22px; padding: clamp(24px, 4vw, 40px); box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-grid .full { grid-column: 1 / -1; }
.form-field label { display: block; font-weight: 600; font-size: .92rem; margin-bottom: 6px; }
.form-field label small { font-weight: 400; color: var(--muted); }
.form-field input, .form-field select, .form-field textarea { width: 100%; font: 400 1rem var(--font-body); padding: 13px 14px; border: 1px solid #cdd7d1; border-radius: 10px; background: #fff; color: var(--ink); }
.form-field textarea { min-height: 110px; resize: vertical; }
.form-field input:focus, .form-field select:focus, .form-field textarea:focus { outline: none; border-color: var(--green-600); box-shadow: 0 0 0 3px rgba(28, 107, 78, .18); }
.form-field .err { display: none; color: var(--danger); font-size: .85rem; margin-top: 5px; }
.form-field.invalid input, .form-field.invalid select, .form-field.invalid textarea { border-color: var(--danger); }
.form-field.invalid .err { display: block; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: .9rem; color: var(--muted); }
.consent input { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--green-700); flex: none; }
.hp { position: absolute; left: -9999px; height: 0; overflow: hidden; }
.form-status { display: none; padding: 16px 18px; border-radius: 12px; margin-top: 16px; font-size: .96rem; }
.form-status.ok { display: block; background: var(--green-100); color: var(--green-900); border: 1px solid #b9d5c5; }
.form-status.fail { display: block; background: #fdeceb; color: #7a1a15; border: 1px solid #f0bcb8; }
.form-status a { font-weight: 600; }
.info-card { background: var(--green-900); color: #dcebe2; border-radius: 22px; padding: 30px; }
.info-card h3 { color: #fff; }
.info-list { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 18px; }
.info-list li { display: flex; gap: 14px; align-items: flex-start; }
.info-list .icon { color: var(--gold-300); margin-top: 3px; }
.info-list a { color: #fff; }
.info-list small { display: block; color: #a9c3b5; }
.safety { margin-top: 20px; background: var(--gold-100); border-radius: 16px; padding: 20px 22px; color: #4d3d0d; font-size: .92rem; }
.safety strong { display: block; margin-bottom: 4px; color: #3a2d05; }

/* About */
.founder { display: flex; gap: 26px; align-items: center; background: var(--paper); border: 1px solid var(--line); border-radius: 22px; padding: 28px; }
.avatar { width: 96px; height: 96px; border-radius: 50%; background: var(--green-900); color: var(--gold-300); display: grid; place-items: center; font-family: var(--font-head); font-size: 2.3rem; font-weight: 700; flex: none; }
.values { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }

/* Glossary */
.glossary { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px 32px; }
.glossary dt { font-weight: 700; color: var(--green-900); }
.glossary dd { margin: 2px 0 14px; color: var(--muted); font-size: .96rem; }

/* Footer */
.site-footer { background: var(--green-950); color: #b9cfc2; padding: 64px 0 26px; font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 40px; }
.site-footer h4 { color: #fff; font-family: var(--font-body); font-size: .9rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 16px; }
.site-footer a { color: #b9cfc2; text-decoration: none; }
.site-footer a:hover { color: var(--gold-300); }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer-brand .brand { color: #fff; margin-bottom: 16px; }
.footer-brand .brand-name { color: #fff; }
.footer-brand p { max-width: 28em; }
.footer-mr { color: var(--gold-300); margin-top: 6px; }
.disclaimer { margin-top: 44px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,.12); font-size: .82rem; line-height: 1.65; color: #93ad9e; }
.disclaimer p { margin-bottom: .8em; }
.disclaimer strong { color: #cfe0d6; }
.footer-bottom { margin-top: 24px; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.12); display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .85rem; color: #93ad9e; }

/* Floating WhatsApp */
.wa-float { position: fixed; right: 18px; bottom: 18px; z-index: 90; width: 58px; height: 58px; border-radius: 50%; background: var(--wa); color: #fff; display: grid; place-items: center; box-shadow: 0 10px 26px rgba(0,0,0,.28); transition: transform .15s; }
.wa-float:hover { transform: scale(1.06); color: #fff; }
.wa-float svg { width: 30px; height: 30px; }

/* Dev banner (only when opened locally with missing details) */
.dev-banner { position: fixed; left: 12px; bottom: 12px; z-index: 300; background: #1a1a1a; color: #ffd76a; padding: 10px 14px; border-radius: 10px; font: 500 12px/1.4 var(--font-body); max-width: 320px; box-shadow: 0 8px 20px rgba(0,0,0,.3); }

/* Responsive */
@media (max-width: 1000px) {
  .hero-grid, .split, .contact-grid, .calc-body { grid-template-columns: 1fr; }
  .calc-inputs { border-right: 0; border-bottom: 1px solid var(--line); }
  .hero-art { min-height: 0; }
  .grid-3, .values { grid-template-columns: repeat(2, 1fr); }
  .grid-4, .steps { grid-template-columns: repeat(2, 1fr); }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-item:nth-child(2) { border-right: 0; }
  .trust-item:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 820px) {
  .nav-toggle { display: block; }
  .nav { position: absolute; left: 0; right: 0; top: 100%; background: var(--cream); flex-direction: column; align-items: stretch; padding: 12px 22px 22px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); display: none; gap: 2px; }
  .nav.open { display: flex; }
  .nav a:not(.btn) { padding: 14px 12px; border-radius: 10px; }
  .nav-cta { margin: 10px 0 0; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .grid-3, .grid-2, .grid-4, .steps, .values, .glossary, .form-grid, .res-rows { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-item { border-right: 0; border-bottom: 1px solid var(--line); }
  .trust-item:last-child { border-bottom: 0; }
  .service { grid-template-columns: 1fr; gap: 14px; }
  .founder { flex-direction: column; text-align: center; }
  .calc-inputs, .calc-results { padding: 22px; }
  .hero-cta .btn, .cta-actions .btn { width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}
@media print {
  .site-header, .wa-float, .cta-band, .nav-toggle { display: none !important; }
  body { background: #fff; }
}