/* Voxhala — editorial redesign (v3) */
@font-face{font-family:"Cormorant";src:url(../fonts/cormorant.woff2) format("woff2");font-weight:300 700;font-display:swap}
@font-face{font-family:"Cormorant";src:url(../fonts/cormorant-italic.woff2) format("woff2");font-weight:300 700;font-style:italic;font-display:swap}
@font-face{font-family:"Jost";src:url(../fonts/jost.woff2) format("woff2");font-weight:300 700;font-display:swap}
@font-face{font-family:"Kufi";src:url(../fonts/kufi-arabic.woff2) format("woff2");font-weight:100 900;font-display:swap}
:root{
  /* warm stone + ink + brass. "navy" token kept for compatibility, now deep ink */
  --cream:#F5F1EA;--sand:#ECE5D9;--sand-2:#DDD3C2;--paper:#FBF9F5;--navy:#16181C;--navy-2:#2A2D33;
  --gold:#7A5B34;--gold-2:#C6A46D;--text:#2B2925;--muted:#5F5A52;--line:#DCD3C4;
  --on-dark:#F3EDE3;--on-dark-2:#C9C0B2;--rule-dark:rgba(243,237,227,.16);
  --serif:"Cormorant","Cormorant Garamond",Georgia,serif;--sans:"Jost",system-ui,-apple-system,"Segoe UI",sans-serif;
  --r:2px;--wrap:1240px;--ease:cubic-bezier(.2,.7,.2,1);
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;background:var(--cream);color:var(--text);font:400 17px/1.7 var(--sans);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img,video{display:block;max-width:100%;height:auto}
a{color:inherit}
h1,h2,h3{margin:0;color:var(--navy)}
p{margin:0 0 1em}
ul,ol{margin:0;padding:0}
figure{margin:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 48px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;z-index:100;background:var(--paper);padding:8px 12px}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.ph{outline:1px dashed rgba(131,99,58,.7);outline-offset:2px;border-radius:2px;padding:0 4px;background:rgba(198,164,109,.16);color:#6B4D24;font-style:normal;white-space:normal}
.footer .ph,.hero .ph,.prime .ph,.page-hero .ph{color:var(--gold-2);outline-color:rgba(198,164,109,.65);background:rgba(198,164,109,.1)}

/* type */
.eyebrow{font:500 12px/1.2 var(--sans);letter-spacing:.26em;text-transform:uppercase;color:var(--gold);margin:0 0 26px;display:flex;align-items:center;gap:16px}
.eyebrow::before{content:"";width:36px;height:1px;background:currentColor;opacity:.8}
.eyebrow--light{color:var(--gold-2)}
.display{font:400 clamp(46px,6.4vw,96px)/.98 var(--serif);letter-spacing:-.018em}
.h2{font:400 clamp(38px,4.3vw,62px)/1.04 var(--serif);letter-spacing:-.012em}
.h3{font:500 30px/1.15 var(--serif)}
em{font-style:italic;color:var(--gold)}
.display em,.h2 em{display:inline;font-weight:400}
.lede{font-size:19px;line-height:1.75;color:var(--text);max-width:540px;margin:30px 0 0}
.sub{color:var(--muted);font-size:17px;max-width:520px;margin:22px 0 0}
.muted{color:var(--muted);font-size:15px}
.link{color:var(--gold);text-decoration:underline;text-underline-offset:3px}
.textlink{display:inline-flex;gap:10px;align-items:center;font:500 13px/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;text-decoration:none;color:var(--navy);padding-bottom:8px;border-bottom:1px solid var(--gold);transition:gap .35s var(--ease),color .2s}
.textlink:hover{gap:16px;color:var(--gold)}
.center{text-align:center;margin-top:52px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;font:500 13.5px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;padding:19px 30px;border-radius:var(--r);text-decoration:none;border:1px solid transparent;cursor:pointer;transition:background .3s var(--ease),color .3s var(--ease),border-color .3s var(--ease),transform .3s var(--ease)}
.btn span[aria-hidden]{transition:transform .35s var(--ease)}
.btn:hover span[aria-hidden]{transform:translateX(4px)}
.btn--navy{background:var(--navy);color:var(--on-dark)}.btn--navy:hover{background:var(--gold);color:#fff}
.btn--ghost{border-color:var(--navy);color:var(--navy);background:transparent}.btn--ghost:hover{background:var(--navy);color:var(--on-dark)}
.btn--brass{background:var(--gold-2);color:#17130D;border-color:var(--gold-2)}.btn--brass:hover{background:var(--on-dark);border-color:var(--on-dark)}
.btn--line-light{border-color:rgba(243,237,227,.6);color:var(--on-dark);background:transparent}.btn--line-light:hover{background:var(--on-dark);color:var(--navy);border-color:var(--on-dark)}
.btn--sm{padding:13px 20px;font-size:12px}.btn--full{width:100%}

/* disclosure + nav */
.disclosure-bar{background:var(--navy);color:var(--on-dark-2);font-size:13px;text-align:center;padding:9px 20px;line-height:1.5;letter-spacing:.01em}
.disclosure-bar strong{color:var(--gold-2);font-weight:500}
.disclosure-bar .dot{display:inline-block;width:5px;height:5px;border-radius:50%;background:var(--gold-2);margin-right:10px;vertical-align:middle}
.nav{position:sticky;top:0;z-index:50;background:var(--cream);border-bottom:1px solid var(--line);transition:background .4s var(--ease),border-color .4s var(--ease)}
.nav__inner{display:flex;align-items:center;gap:34px;height:78px}
.nav__logo{display:block;flex:none}
.nav__logo img{height:30px;width:auto}
.nav__logo .logo-light{display:none}
.nav__links{display:flex;gap:30px;margin-left:auto}
.nav__links a,.nav__ddb{font-size:13px!important;font-weight:500;letter-spacing:.14em;text-transform:uppercase;text-decoration:none;color:var(--text);white-space:nowrap;position:relative}
.nav__links>a::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:1px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .35s var(--ease)}
.nav__links>a:hover::after{transform:scaleX(1)}
.nav__links a:hover{color:var(--gold)}
.nav__cta{padding:14px 20px!important;white-space:nowrap;flex:none}
.nav__toggle{display:none;margin-left:auto;background:none;border:0;width:44px;height:44px;cursor:pointer;position:relative}
.nav__toggle span{position:absolute;left:10px;right:10px;height:1px;background:var(--navy);transition:.25s}
.nav__toggle span:first-child{top:17px}.nav__toggle span:last-child{top:26px}
.nav__toggle[aria-expanded=true] span:first-child{top:22px;transform:rotate(45deg)}.nav__toggle[aria-expanded=true] span:last-child{top:22px;transform:rotate(-45deg)}
.mobile-menu{border-top:1px solid var(--line);padding:16px 24px 28px;display:flex;flex-direction:column;background:var(--cream);max-height:calc(100vh - 110px);overflow:auto}
.mobile-menu[hidden]{display:none}
.mobile-menu a:not(.btn){padding:14px 0;border-bottom:1px solid var(--line);text-decoration:none;font:400 24px/1.2 var(--serif);color:var(--navy)}
.mobile-menu .btn{margin-top:22px}
/* home: transparent nav over the hero photo, solid after scroll */
.nav--over{margin-bottom:-79px;background:transparent;border-bottom-color:var(--rule-dark)}
.nav--over .logo-dark{display:none}.nav--over .logo-light{display:block}
.nav--over .nav__links a,.nav--over .nav__ddb{color:var(--on-dark)}
.nav--over .nav__links .nav__ddm a{color:var(--text)}
.nav--over .nav__cta{background:transparent;border-color:rgba(243,237,227,.6);color:var(--on-dark)}
.nav--over .nav__cta:hover{background:var(--on-dark);color:var(--navy)}
.nav--over .nav__toggle span{background:var(--on-dark)}
.nav--over.is-solid,.nav--over:has(.nav__toggle[aria-expanded=true]){background:var(--cream);border-bottom-color:var(--line)}
.nav--over.is-solid .logo-dark,.nav--over:has(.nav__toggle[aria-expanded=true]) .logo-dark{display:block}
.nav--over.is-solid .logo-light,.nav--over:has(.nav__toggle[aria-expanded=true]) .logo-light{display:none}
.nav--over.is-solid .nav__links a,.nav--over.is-solid .nav__ddb{color:var(--text)}
.nav--over.is-solid .nav__cta{background:var(--navy);border-color:var(--navy);color:var(--on-dark)}
.nav--over.is-solid .nav__toggle span,.nav--over:has(.nav__toggle[aria-expanded=true]) .nav__toggle span{background:var(--navy)}

/* hero */
.hero{position:relative;min-height:max(640px,min(94vh,980px));display:flex;align-items:flex-end;color:var(--on-dark);overflow:hidden;background:#1d1a17;isolation:isolate}
.hero__media{position:absolute;inset:0;z-index:-1}
.hero__media img{width:100%;height:100%;object-fit:cover;object-position:50% 60%;transform-origin:60% 50%;animation:pan 38s ease-in-out infinite alternate}
.hero__media::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(14,13,12,.62) 0%,rgba(14,13,12,.08) 30%,rgba(14,13,12,.2) 55%,rgba(14,13,12,.86) 100%),linear-gradient(90deg,rgba(14,13,12,.55) 0%,rgba(14,13,12,0) 65%)}
@keyframes pan{from{transform:scale(1.06) translate3d(0,0,0)}to{transform:scale(1.14) translate3d(-2.2%,-1%,0)}}
.hero__inner{width:100%;padding-top:180px;padding-bottom:110px}
.hero .display{color:var(--on-dark);max-width:960px}
.hero .display em{color:var(--gold-2)}
.hero__lead{font-size:19px;line-height:1.7;color:var(--on-dark-2);max-width:560px;margin:30px 0 0}
.hero__ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:42px}
.hero__lic{margin:34px 0 0;font-size:12.5px;color:var(--on-dark-2);letter-spacing:.08em}
.hero__in{opacity:0;transform:translateY(18px);animation:heroin 1.1s var(--ease) forwards;animation-delay:calc(.15s + var(--d,0) * .13s)}
@keyframes heroin{to{opacity:1;transform:none}}
.hero__scroll{position:absolute;right:48px;bottom:44px;width:1px;height:70px;background:var(--rule-dark);overflow:hidden}
.hero__scroll span{position:absolute;left:0;top:-30px;width:1px;height:30px;background:var(--gold-2);animation:drip 2.6s var(--ease) infinite}
@keyframes drip{to{top:100%}}
.factband{background:var(--navy);color:var(--on-dark)}
.facts{list-style:none;display:grid;grid-template-columns:repeat(4,1fr)}
.facts li{padding:40px 32px;border-left:1px solid var(--rule-dark);display:flex;flex-direction:column;gap:10px}
.facts li:first-child{border-left:0;padding-left:0}
.facts b{font:400 54px/1 var(--serif);color:var(--gold-2)}
.facts span{font-size:14px;color:var(--on-dark-2);line-height:1.55;max-width:230px}

/* sections */
.section{padding:140px 0}
.section__head{margin-bottom:70px}
.section__head--split{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:end}
.section__head--split .sub{margin:0}

/* promise */
.promise__grid{display:grid;grid-template-columns:5fr 6fr;gap:110px;align-items:center}
.promise__img{position:relative;overflow:hidden}
.promise__img img{width:100%;aspect-ratio:4/5.4;object-fit:cover}
.promise__img::after{content:"";position:absolute;inset:18px;border:1px solid rgba(243,237,227,.45);pointer-events:none}
.signs{list-style:none;margin:44px 0 46px;border-top:1px solid var(--line)}
.signs li{display:grid;grid-template-columns:56px 1fr;align-items:baseline;padding:18px 0;border-bottom:1px solid var(--line);font:400 23px/1.3 var(--serif);color:var(--navy)}
.signs span{font:500 12px/1 var(--sans);letter-spacing:.2em;color:var(--gold)}

/* gallery */
.gallery{padding:0 0 30px}
.gallery__track{display:grid;grid-template-columns:1.25fr 1fr 1.1fr;gap:20px;padding:0 20px}
.gallery figure{position:relative;overflow:hidden}
.gallery figure:nth-child(2){margin-top:70px}
.gallery img{width:100%;aspect-ratio:4/5;object-fit:cover;transition:transform 1.4s var(--ease)}
.gallery figure:hover img{transform:scale(1.04)}
.gallery figcaption{display:flex;gap:16px;align-items:baseline;padding:18px 0 0;font:400 24px/1.2 var(--serif);color:var(--navy)}
.gallery figcaption span{font:500 11.5px/1 var(--sans);letter-spacing:.2em;color:var(--gold)}
.gallery__note{font-size:12.5px;color:var(--muted);margin-top:26px;letter-spacing:.02em}

/* process */
.how{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.how__grid{display:grid;grid-template-columns:5fr 7fr;gap:100px;align-items:start}
.how__aside{position:sticky;top:120px}
.how__aside .section__head{margin-bottom:44px}
.how__img img{width:100%;aspect-ratio:4/4.4;object-fit:cover}
.process{list-style:none;border-top:1px solid var(--line)}
.process li{display:grid;grid-template-columns:90px 1fr;gap:24px;padding:42px 0;border-bottom:1px solid var(--line)}
.process li>div{display:flex;flex-direction:column;align-items:flex-start;gap:14px}
.process__n{font:300 52px/1 var(--serif);color:var(--gold);font-style:italic}
.process h3{font:400 32px/1.15 var(--serif)}
.process p{margin:0;color:var(--muted);max-width:560px}
.who{font:500 10.5px/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--navy);border:1px solid var(--navy);padding:8px 11px;border-radius:var(--r);white-space:nowrap}
.who--ai{color:var(--gold);border-color:var(--gold-2)}

/* principles */
.principles{position:relative;background:var(--navy);color:var(--on-dark);padding:150px 0 130px;overflow:hidden;isolation:isolate}
.principles__bg{position:absolute;inset:0;z-index:-1}
.principles__bg img{width:100%;height:100%;object-fit:cover;opacity:.22;filter:grayscale(.4)}
.principles__bg::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,var(--navy) 0%,rgba(22,24,28,.55) 50%,var(--navy) 100%)}
.principles .h2{color:var(--on-dark)}.principles .h2 em{color:var(--gold-2)}
.principles__list{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--rule-dark)}
.principles__list li{padding:44px 44px 10px 0}
.principles__list li+li{padding-left:44px;border-left:1px solid var(--rule-dark)}
.principles__n{display:block;font:300 italic 46px/1 var(--serif);color:var(--gold-2);margin-bottom:30px}
.principles h3{font:400 30px/1.15 var(--serif);color:var(--on-dark);margin-bottom:16px}
.principles p{color:var(--on-dark-2);font-size:16px;margin:0}

/* band */
.band{position:relative;overflow:hidden}
.band img{width:100%;height:clamp(420px,62vw,760px);object-fit:cover}
.band__quote{position:absolute;left:max(48px,calc((100% - var(--wrap))/2 + 48px));bottom:64px;background:var(--cream);color:var(--navy);padding:44px 48px;max-width:500px}
.band__quote p{font:italic 400 32px/1.22 var(--serif);margin:0 0 20px;color:var(--navy)}
.band__quote span{font:500 11px/1 var(--sans);letter-spacing:.24em;text-transform:uppercase;color:var(--gold)}

/* paid */
.paid{background:var(--sand)}
.paid__grid{display:grid;grid-template-columns:1fr 1fr 1.2fr;gap:24px}
.paycard{background:var(--paper);border:1px solid var(--line);padding:40px 34px;transition:border-color .4s var(--ease),transform .5s var(--ease)}
.paycard:hover{border-color:var(--gold-2);transform:translateY(-3px)}
.paycard__k{font:500 11px/1.3 var(--sans);letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}
.paycard h3{font:400 31px/1.12 var(--serif);margin:18px 0 16px}
.paycard p{color:var(--muted);font-size:15.5px;margin:0}
.pledges{list-style:none;padding:0 0 0 14px}
.pledges li{position:relative;padding:0 0 20px 32px;font-size:15.5px;color:var(--muted);line-height:1.6}
.pledges li::before{content:"";position:absolute;left:0;top:12px;width:16px;height:1px;background:var(--gold)}
.pledges b{color:var(--navy);font-weight:500}

/* prime */
.prime{display:grid;grid-template-columns:1fr 1fr;background:var(--navy);color:var(--on-dark)}
.prime__img{overflow:hidden;min-height:640px}
.prime__img img{width:100%;height:100%;object-fit:cover;transition:transform 2s var(--ease)}
.prime:hover .prime__img img{transform:scale(1.03)}
.prime__copy{padding:120px max(48px,calc((100vw - var(--wrap))/2 + 48px)) 120px 96px;display:flex;flex-direction:column;justify-content:center}
.prime .h2{color:var(--on-dark);max-width:520px}.prime .h2 em{color:var(--gold-2)}
.prime__copy p{color:var(--on-dark-2);max-width:460px;margin-top:26px}
.prime__meta{font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;margin:0!important;padding-top:22px}
.prime .btn{margin-top:14px}

/* advisors compact */
.mini{list-style:none;display:grid;grid-template-columns:repeat(12,1fr);gap:14px}
.mini li{position:relative}
.mini img{width:100%;aspect-ratio:3/4;object-fit:cover;border-radius:var(--r);filter:saturate(.85);transition:filter .4s}
.mini li:hover img{filter:saturate(1)}
.ai-tag{position:absolute;top:6px;left:6px;font:500 8.5px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;font-style:normal;background:rgba(22,24,28,.78);color:var(--on-dark);padding:4px 5px;border-radius:1px}
.mini span{display:block;font-size:12px;color:var(--muted);margin-top:9px;line-height:1.35}
.mini b{display:block;font:500 18px/1.1 var(--serif);color:var(--navy)}
.langchips{list-style:none;display:flex;flex-wrap:wrap;gap:6px 26px;margin-top:44px;padding-top:26px;border-top:1px solid var(--line)}
.langchips li{font:400 19px/1.3 var(--serif);color:var(--muted)}

/* brokers */
.brokers{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.brokers__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.broker{border:1px dashed rgba(131,99,58,.5);padding:28px;background:var(--cream)}
.broker__ph{aspect-ratio:4/3;display:grid;place-items:center;text-align:center;background:repeating-linear-gradient(45deg,var(--sand) 0 10px,var(--cream) 10px 20px);color:var(--muted);font-size:12px;letter-spacing:.16em;text-transform:uppercase;margin-bottom:22px}
.broker h3{font:400 25px/1.2 var(--serif);margin-bottom:10px}
.broker p{margin:4px 0;font-size:14.5px;color:var(--muted)}

/* trust */
.trust__grid{display:grid;grid-template-columns:1.15fr 1fr;gap:90px;align-items:start}
.ledger{margin:44px 0 0;border-top:1px solid var(--navy)}
.ledger div{display:grid;grid-template-columns:160px 1fr;gap:24px;padding:20px 0;border-bottom:1px solid var(--line)}
.ledger dt{font:500 11px/1.7 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.ledger dd{margin:0;font-size:15.5px;color:var(--text)}
.office{background:var(--navy);color:var(--on-dark-2);position:sticky;top:110px}
.office img{width:100%;aspect-ratio:16/10;object-fit:cover}
.office__body{padding:46px 42px}
.office .h3{color:var(--on-dark)}
.office address{font-style:normal;margin:18px 0 12px;line-height:1.9}
.office__meta{font-size:14px;color:var(--on-dark-2)}
.office .ph{color:var(--gold-2);outline-color:rgba(198,164,109,.65);background:rgba(198,164,109,.1)}
.office__map{height:170px;display:grid;place-items:center;border:1px dashed rgba(198,164,109,.5);background:repeating-linear-gradient(0deg,transparent 0 23px,var(--rule-dark) 23px 24px),repeating-linear-gradient(90deg,transparent 0 23px,var(--rule-dark) 23px 24px),#1E2126;font-size:13px;color:var(--on-dark-2);margin-top:26px}
.office__map span{background:var(--navy);padding:6px 12px}
.office__gov{margin:26px 0 0;font:italic 400 22px/1.35 var(--serif);color:var(--on-dark)}

/* faq */
.faq{background:var(--sand)}
.faq__grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:90px}
.faq__list details{border-bottom:1px solid var(--sand-2);padding:6px 0}
.faq__list details:first-child{border-top:1px solid var(--navy)}
.faq__list summary{list-style:none;cursor:pointer;font:400 27px/1.3 var(--serif);color:var(--navy);padding:22px 44px 22px 0;position:relative;transition:color .2s}
.faq__list summary:hover{color:var(--gold)}
.faq__list summary::-webkit-details-marker{display:none}
.faq__list summary::after{content:"";position:absolute;right:6px;top:50%;width:14px;height:14px;margin-top:-7px;background:linear-gradient(var(--gold),var(--gold)) center/14px 1px no-repeat,linear-gradient(var(--gold),var(--gold)) center/1px 14px no-repeat;transition:transform .35s var(--ease)}
.faq__list details[open] summary::after{transform:rotate(45deg)}
.faq__list p{color:var(--muted);margin:0 0 24px;max-width:640px}

/* enquiry */
.contact__grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:90px;align-items:start}
.ticks{list-style:none;margin-top:36px}
.ticks li{padding:13px 0 13px 32px;position:relative;border-bottom:1px solid var(--line);font-size:15.5px}
.ticks li::before{content:"";position:absolute;left:2px;top:22px;width:16px;height:1px;background:var(--gold)}
.formcard{background:var(--paper);border:1px solid var(--line);padding:48px;border-top:2px solid var(--gold-2)}
.form{display:flex;flex-direction:column;gap:20px}
.form label{display:flex;flex-direction:column;gap:8px;font-size:12px;font-weight:500;letter-spacing:.12em;text-transform:uppercase;color:var(--navy)}
.form .opt{font-weight:400;color:var(--muted);text-transform:none;letter-spacing:0}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form input:not([type=checkbox]):not([type=radio]),.form select,.form textarea{font:400 16px/1.4 var(--sans);letter-spacing:0;text-transform:none;color:var(--text);background:transparent;border:0;border-bottom:1px solid var(--sand-2);border-radius:0;padding:12px 2px;width:100%;transition:border-color .3s}
.form select{background:transparent}
.form textarea{border:1px solid var(--sand-2);padding:12px}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--gold)}
.form input:focus-visible,.form select:focus-visible,.form textarea:focus-visible{box-shadow:0 2px 0 0 var(--gold)}
.form .invalid{border-color:#A8402A!important}
.radios{border:0;padding:0;margin:0;display:flex;gap:24px;flex-wrap:wrap;align-items:center}
.radios legend{font-size:12px;font-weight:500;letter-spacing:.12em;text-transform:uppercase;color:var(--navy);margin-bottom:10px;float:left;width:100%}
.radios label{flex-direction:row;align-items:center;gap:8px;font-weight:400;font-size:15px;letter-spacing:0;text-transform:none}
.radios input,.form .check input{accent-color:var(--navy)}
.form .check{flex-direction:row;align-items:flex-start;gap:12px;font-weight:400;font-size:14px;color:var(--muted);line-height:1.55;letter-spacing:0;text-transform:none}
.check input{margin-top:4px;accent-color:var(--navy)}
.check.invalid,.check input.invalid+span{color:#A8402A}
.form__err{color:#A8402A;font-size:14px;margin:0}
.form__note{font-size:12.5px;color:var(--muted);text-align:center;margin:0}
.thanks{text-align:center;padding:40px 10px}
.thanks img{margin:0 auto 20px}
.thanks h3{font:400 38px/1.2 var(--serif);margin-bottom:12px}
.thanks p{color:var(--muted)}

/* footer */
.footer{background:var(--navy);color:var(--on-dark-2);padding:100px 0 34px;font-size:14.5px}
.footer__grid{display:grid;grid-template-columns:1fr 1fr 1.3fr;gap:64px}
.footer__brand img{width:150px;height:auto;margin-bottom:24px}
.footer__links{display:grid;grid-template-columns:1fr 1fr;gap:12px 24px;align-content:start}
.footer__links a{text-decoration:none;transition:color .2s}.footer__links a:hover{color:var(--gold-2)}
.footer__note strong{color:var(--on-dark);font-weight:500}
.footer__legal{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-top:64px;padding-top:26px;border-top:1px solid var(--rule-dark);font-size:12.5px;color:#A49D91}

/* subpages */
.page-hero{position:relative;padding:120px 0 80px;background:linear-gradient(90deg,rgba(22,24,28,.94) 0%,rgba(22,24,28,.78) 55%,rgba(22,24,28,.55) 100%),url(../img/photos/skyline-dusk-sm.webp) center 60%/cover no-repeat,var(--navy);color:var(--on-dark)}
.page-hero .h2{color:var(--on-dark);max-width:900px}.page-hero .h2 em{color:var(--gold-2)}
.page-hero .eyebrow{color:var(--gold-2)}
.page-hero .sub,.page-hero p{color:var(--on-dark-2)}
.page-hero .sub{max-width:680px}
.page-hero .link{color:var(--gold-2)}
.draft{display:inline-block;font:500 11px/1 var(--sans);letter-spacing:.2em;color:#7E3420;border:1px solid #C98C74;padding:8px 12px;margin-bottom:28px;background:#FBEDE6}
.prose{max-width:760px;padding:70px 0 120px}
.prose h2{font:400 32px/1.2 var(--serif);margin:50px 0 14px}
.prose ul{padding-left:20px;margin-bottom:1em}.prose li{margin:6px 0}
.note{background:var(--paper);border-left:2px solid var(--gold);padding:14px 18px;font-size:14.5px;color:var(--muted)}
.dev{display:grid;grid-template-columns:1.4fr 1fr;gap:80px;align-items:start;max-width:none}
.prose:has(.dev){max-width:none}
.dev__copy ul{padding-left:0;list-style:none}.dev__copy li{padding:13px 0;border-bottom:1px solid var(--line)}
.dev__copy b{color:var(--navy);font-weight:500}
.dev__phone{margin:0;text-align:center}
.dev__phone figcaption{font-size:13px;color:var(--muted);margin-top:16px}
.phone{position:relative;width:290px;margin:0 auto;border-radius:44px;padding:10px;background:#1b1c1f;box-shadow:0 40px 70px -35px rgba(22,24,28,.6)}
.phone__video{width:100%;aspect-ratio:9/16;object-fit:cover;border-radius:35px;background:#000}
.phone__notch{position:absolute;top:16px;left:50%;transform:translateX(-50%);width:66px;height:17px;border-radius:20px;background:#05070a;z-index:2}

/* roster (advisors page) */
.filters{display:flex;flex-direction:column;gap:18px;margin-bottom:28px}
.seg{display:inline-flex;flex-wrap:wrap;gap:4px;padding:5px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);align-self:flex-start}
.seg button,.langs button{font:500 13px/1 var(--sans);letter-spacing:.06em;color:var(--text);background:none;border:0;cursor:pointer;border-radius:var(--r);transition:.25s}
.seg button{padding:12px 18px}
.seg button[aria-selected=true]{background:var(--navy);color:var(--on-dark)}
.seg button sup{font-size:10px;opacity:.6;margin-left:3px}
.langs{display:flex;flex-wrap:wrap;gap:8px}
.langs button{padding:9px 14px;border:1px solid var(--line);font-size:13px;background:var(--paper)}
.langs button:hover{border-color:var(--gold-2)}
.langs button[aria-pressed=true]{border-color:var(--gold);color:var(--gold);background:var(--cream)}
.count{font-size:14px;color:var(--muted)}
.grid{list-style:none;display:grid;grid-template-columns:repeat(6,1fr);gap:18px}
.card{background:var(--paper);border:1px solid var(--line);animation:fadeup .5s both;overflow:hidden;transition:border-color .3s}
.card:hover{border-color:var(--gold-2)}
.card img{width:100%;aspect-ratio:3/4;object-fit:cover;transition:transform .9s var(--ease)}
.card:hover img{transform:scale(1.03)}
.card__meta{padding:13px 14px 15px;position:relative;background:var(--paper)}
.card__name{font:500 22px/1.1 var(--serif);color:var(--navy);display:block}
.card__lang{font-size:12px;color:var(--muted);display:block;margin-top:4px}
.grid__more{text-align:center;margin-top:32px}
@keyframes fadeup{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}

/* scroll reveal (only when JS is running) */
.js [data-reveal]{opacity:0;transform:translateY(26px);transition:opacity 1s var(--ease),transform 1.1s var(--ease);transition-delay:var(--rd,0s)}
.js [data-reveal].in{opacity:1;transform:none}

/* responsive */
@media (max-width:1100px){
  .wrap{padding:0 36px}
  .mini{grid-template-columns:repeat(6,1fr)}
  .grid{grid-template-columns:repeat(4,1fr)}
  .promise__grid,.how__grid{gap:64px}
  .prime__copy{padding:90px 48px 90px 64px}
  .principles__list li{padding-right:28px}.principles__list li+li{padding-left:28px}
}
@media (max-width:960px){
  .hero__inner{padding-bottom:90px}
  .trust__grid,.faq__grid,.contact__grid,.section__head--split,.dev,.footer__grid,.promise__grid,.how__grid{grid-template-columns:1fr;gap:48px}
  .promise__img img{aspect-ratio:4/3.4}
  .how__aside{position:static}.how__img{display:none}
  .office{position:static}
  .paid__grid{grid-template-columns:1fr 1fr}.pledges{grid-column:1/-1;padding:16px 0 0}
  .facts{grid-template-columns:1fr 1fr}.facts li:nth-child(3){border-left:0;padding-left:0}.facts li:nth-child(n+3){border-top:1px solid var(--rule-dark)}
  .brokers__grid{grid-template-columns:1fr 1fr 1fr;gap:14px}
  .principles__list{grid-template-columns:1fr}.principles__list li,.principles__list li+li{padding:34px 0;border-left:0;border-bottom:1px solid var(--rule-dark)}
  .principles__n{margin-bottom:18px}
  .prime{grid-template-columns:1fr}.prime__img{min-height:0}.prime__img img{aspect-ratio:4/3.2;height:auto}
  .prime__copy{padding:80px 36px}
  .gallery__track{grid-template-columns:repeat(3,72vw);overflow-x:auto;scroll-snap-type:x mandatory;padding:0 36px 10px;gap:16px;scrollbar-width:none}
  .gallery__track::-webkit-scrollbar{display:none}
  .gallery figure{scroll-snap-align:start}.gallery figure:nth-child(2){margin-top:0}
}
@media (max-width:600px){
  body{font-size:16px}
  .wrap{padding:0 22px}
  .disclosure-bar{font-size:12px;text-align:left;padding:8px 22px}
  .nav__inner{height:66px}.nav__logo img{height:25px}
  .nav--over{margin-bottom:-67px}
  .hero{min-height:calc(100svh - 54px);min-height:max(600px,calc(100svh - 54px))}
  .hero__inner{padding-top:120px;padding-bottom:64px}
  .hero__media img{object-position:62% 50%}
  .hero__media::after{background:linear-gradient(180deg,rgba(14,13,12,.6) 0%,rgba(14,13,12,.5) 35%,rgba(14,13,12,.62) 60%,rgba(14,13,12,.92) 100%)}
  .hero .eyebrow{font-size:10.5px;letter-spacing:.2em;gap:12px}.hero .eyebrow::before{width:24px}
  .display{font-size:clamp(42px,12vw,54px);line-height:1}
  .hero__lead{font-size:16.5px;margin-top:22px}
  .hero__ctas{margin-top:32px}
  .hero__ctas .btn{flex:1 1 100%}
  .hero__lic{font-size:12px;line-height:1.7}
  .hero__scroll{display:none}
  .facts li{padding:26px 14px 26px 0}.facts li:nth-child(even){padding-left:16px}.facts b{font-size:42px}.facts span{font-size:13px}
  .section{padding:90px 0}.section__head{margin-bottom:44px}
  .h2{font-size:clamp(34px,9.4vw,42px)}
  .lede{font-size:17px}
  .promise__img::after{inset:12px}
  .signs li{font-size:20px;grid-template-columns:44px 1fr}
  .gallery__track{grid-template-columns:repeat(3,80vw);padding:0 22px 10px}
  .process li{grid-template-columns:1fr;gap:10px;padding:32px 0}
  .process__n{font-size:40px}
  .process h3{font-size:27px}
  .principles{padding:96px 0 70px}
  .band img{height:440px}
  .band__quote{position:relative;left:auto;bottom:auto;margin:-80px 22px 0;padding:30px 28px}
  .band__quote p{font-size:25px}
  .band{padding-bottom:10px;background:var(--sand)}
  .paid__grid{grid-template-columns:1fr}
  .paycard{padding:30px 26px}
  .prime__copy{padding:70px 22px}
  .mini{grid-template-columns:repeat(4,1fr);gap:8px}.mini li:nth-child(n+9){display:none}.mini b{font-size:15px}.mini span{font-size:11px}
  .ai-tag{font-size:7.5px;padding:3px 4px;top:4px;left:4px}
  .langchips li{font-size:17px}
  .brokers__grid{grid-template-columns:1fr}
  .ledger div{grid-template-columns:1fr;gap:4px}
  .office__body{padding:32px 24px}.formcard{padding:30px 22px}
  .row2{grid-template-columns:1fr}
  .faq__list summary{font-size:23px}
  .grid{grid-template-columns:repeat(2,1fr);gap:10px}
  .seg{border-radius:var(--r)}.seg button{padding:10px 12px;font-size:12.5px}
  .footer{padding-top:76px}
  .footer__legal{flex-direction:column}
  .page-hero{padding:80px 0 56px}
}

/* compare */
.sample-banner{position:sticky;top:78px;z-index:40;background:#FBEDE6;border-bottom:1px solid #E9C3B2;color:#7A3420;font-size:14px;text-align:center;padding:10px 20px;line-height:1.45}
.sample-banner b{text-transform:uppercase;letter-spacing:.12em;font-size:12px;margin-right:6px}
.cmp-hero{padding:100px 0 64px}
.cmp{padding:64px 0 100px}
.cmp__grid{display:grid;grid-template-columns:330px 1fr;gap:48px;align-items:start}
.cmp-form{position:sticky;top:150px;background:var(--paper);border:1px solid var(--line);padding:30px;display:flex;flex-direction:column;gap:15px}
.cmp-form label,.calc label{display:flex;flex-direction:column;gap:6px;font-size:13px;font-weight:600;color:var(--navy)}
.cmp-form select,.calc input:not([type=checkbox]),.calc select{font:400 15px/1.4 var(--sans);color:var(--text);background:var(--cream);border:1px solid var(--line);border-radius:3px;padding:11px 12px;width:100%}
.cmp-form .radios{gap:14px}.cmp-form .radios label{flex-direction:row;font-weight:500;gap:6px}
.cmp-form__note{font-size:12.5px;color:var(--muted);line-height:1.5;margin:0}
.cmp-results__head{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-bottom:18px;flex-wrap:wrap}
.cmp-count{margin:0;font-size:14px;color:var(--muted)}
.cmp-tag{display:inline-block;font:700 9.5px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:#8A3B22;border:1px solid #D9A894;background:#FBEDE6;padding:4px 7px;border-radius:2px;vertical-align:middle;margin-left:6px}
.cmp-tag--lg{font-size:10.5px;padding:7px 10px;margin:0}
.cmp-card{display:grid;grid-template-columns:56px 1fr;gap:20px;background:var(--paper);border:1px solid var(--line);padding:26px 28px;margin-bottom:14px}
.cmp-card__rank{font:400 44px/1 var(--serif);color:var(--gold-2)}
.cmp-card__k{font-size:12.5px;color:var(--gold);letter-spacing:.04em;margin:0 0 4px;font-weight:600}
.cmp-card h3{font:500 28px/1.2 var(--serif);margin-bottom:16px}
.cmp-dl{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;margin:0;border-top:1px solid var(--line);padding-top:16px}
.cmp-dl dt{font:700 10px/1.3 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.cmp-dl dd{margin:0;font-size:14.5px;color:var(--navy);font-weight:600;line-height:1.4}
.cmp-dl small{display:block;font-weight:400;color:var(--muted);font-size:12px;margin-top:3px}
.cmp-why{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin-top:16px}
.cmp-why li{font-size:12px;padding:4px 10px;border-radius:999px;background:var(--sand);color:var(--text)}
.cmp-calc{background:none;border:0;padding:0;margin-top:14px;font:600 14px var(--sans);cursor:pointer}
.cmp-empty{background:var(--paper);border:1px dashed var(--line);padding:40px;text-align:center}
.cmp-empty h3{font:500 26px var(--serif);margin-bottom:8px}
.cmp-q{margin-top:28px;background:var(--sand);padding:32px}
.cmp-q ol{margin:16px 0 24px;padding-left:22px}.cmp-q li{margin:8px 0;font-size:15px}
.cmp-q .btn{margin-bottom:12px}
.calc-sec{background:var(--paper);border-top:1px solid var(--line)}
.calc{display:grid;grid-template-columns:1fr 1.1fr;gap:40px;align-items:start}
.calc__in{display:grid;grid-template-columns:1fr 1fr;gap:16px;background:var(--cream);border:1px solid var(--line);padding:28px}
.calc__in .check,.calc__mf{grid-column:1/-1}
.calc .check{flex-direction:row;align-items:center;gap:10px;font-weight:500}
.calc__mf{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.calc__mf[hidden]{display:none}
.ind{font-weight:500;font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-left:4px}
.calc__out table{width:100%;border-collapse:collapse;font-size:15px}
.calc__out td{padding:12px 0;border-bottom:1px solid var(--line)}.calc__out td:last-child{text-align:right;white-space:nowrap;font-weight:600;color:var(--navy);padding-left:16px}
.calc__out tfoot td{font-weight:700;color:var(--navy);border-bottom:0;padding-top:16px}
.calc__out tfoot tr:last-child td{font:500 26px var(--serif);border-top:1px solid var(--navy)}
.calc__mo{margin-top:18px;background:var(--navy);color:var(--cream);padding:20px 22px;display:flex;flex-direction:column;gap:4px}
.calc__mo b{font:500 30px var(--serif);color:var(--gold-2)}.calc__mo small{color:#B9B3A8;font-size:12.5px}.calc__mo span{font-size:13.5px}
.caveats{margin-top:48px;border-left:2px solid var(--gold);padding:4px 0 4px 26px;max-width:900px}
.caveats h3{font:500 24px var(--serif);margin-bottom:12px}
.caveats ul{padding-left:18px}.caveats li{margin:8px 0;font-size:14.5px;color:var(--muted)}.caveats b{color:var(--navy)}
.prefill{background:#FBF3E4;border:1px solid var(--gold-2);padding:12px 14px;font-size:14px;margin:0 0 18px}
@media (max-width:1240px){.nav__links,.nav__cta{display:none}.nav__toggle{display:block}}
@media (max-width:1180px){.cmp-dl{grid-template-columns:repeat(3,1fr)}}
@media (max-width:960px){.cmp__grid,.calc{grid-template-columns:1fr}.cmp-form{position:static}.sample-banner{top:78px}}
@media (max-width:600px){.sample-banner{top:66px;font-size:12.5px;text-align:left}.cmp-card{grid-template-columns:1fr;gap:6px;padding:22px}.cmp-card__rank{font-size:34px}.cmp-dl{grid-template-columns:1fr 1fr}.calc__in{grid-template-columns:1fr;padding:20px}.calc__mf{grid-template-columns:1fr 1fr 1fr}.cmp-q{padding:24px}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}.hero__in{opacity:1;transform:none}.js [data-reveal]{opacity:1;transform:none}}

/* ---------- Tools dropdown ---------- */
.nav__dd{position:relative}
.nav__ddb{font:500 13px/1 var(--sans);color:var(--text);background:none;border:0;padding:6px 0;cursor:pointer;display:inline-flex;align-items:center;gap:7px;white-space:nowrap}
.nav__ddb:hover,.nav__ddb.is-here,.nav__dd.open .nav__ddb{color:var(--gold)}
.nav__ddb svg{transition:transform .2s}.nav__dd.open .nav__ddb svg{transform:rotate(180deg)}
.nav__ddm{position:absolute;top:calc(100% + 18px);left:-22px;min-width:300px;background:var(--paper);border:1px solid var(--line);box-shadow:0 24px 50px -28px rgba(22,24,28,.4);padding:8px;display:none;z-index:60}
.nav__ddm::before{content:"";position:absolute;left:0;right:0;top:-20px;height:20px}
.nav__dd:hover .nav__ddm,.nav__dd:focus-within .nav__ddm,.nav__dd.open .nav__ddm{display:block}
.nav__links .nav__ddm a{display:flex;flex-direction:column;gap:3px;padding:12px 14px;border-radius:3px;white-space:normal}
.nav__links .nav__ddm a:hover,.nav__ddm a[aria-current=page]{background:var(--sand)}
.nav__ddm b{font:500 20px/1.2 var(--serif);color:var(--navy);letter-spacing:0;text-transform:none}.nav__ddm span{font-size:13px;color:var(--muted);line-height:1.4;letter-spacing:0;text-transform:none}

/* ---------- Mortgage page ---------- */
.sample-banner--calm{background:#EFE9DE;border-bottom-color:var(--sand-2);color:var(--navy)}
.calc__more{margin:22px 0 0;font-size:15px;color:var(--muted)}
.mtg__grid{display:grid;grid-template-columns:380px 1fr;gap:48px;align-items:start}
.mtg-form{background:var(--paper);border:1px solid var(--line);padding:30px;display:flex;flex-direction:column;gap:16px}
.mtg-form label,.mtg-out label,.lead label{display:flex;flex-direction:column;gap:6px;font-size:13px;font-weight:600;color:var(--navy)}
.mtg-form small{font-weight:400;color:var(--muted);font-size:12px}
.mtg-form input:not([type=radio]):not([type=range]),.mtg-form select,.mtg-out input,.lead input:not([type=checkbox]),.lead select{font:400 15px/1.4 var(--sans);color:var(--text);background:var(--cream);border:1px solid var(--line);border-radius:3px;padding:11px 12px;width:100%}
.mtg-form__h{margin-top:14px;padding-top:22px;border-top:1px solid var(--line)}
.seg{border:0;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:8px}
.seg legend{font-size:13px;font-weight:600;color:var(--navy);margin-bottom:6px;padding:0}
.seg label{position:relative;font-weight:500!important;cursor:pointer}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg span{display:flex;align-items:center;justify-content:center;text-align:center;min-height:46px;padding:8px 10px;border:1px solid var(--line);border-radius:3px;background:var(--cream);font-size:13.5px;line-height:1.3;color:var(--text);transition:.15s}
.seg input:checked+span{background:var(--navy);border-color:var(--navy);color:var(--cream)}
.seg input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.ltv{display:flex;flex-direction:column;gap:8px}
.ltv__top{display:flex;justify-content:space-between;align-items:baseline}
.ltv__top .lbl{font-size:13px;font-weight:600;color:var(--navy)}
.ltv output{font:500 26px/1 var(--serif);color:var(--navy)}
.ltv input[type=range]{width:100%;accent-color:var(--navy);height:24px}
.ltv__cap{margin:0;font-size:12.5px;color:var(--muted);line-height:1.5}.ltv__cap b{color:var(--navy)}
.field-msg{margin:-6px 0 0;font-size:12.5px;line-height:1.5;color:#7A3420;background:#FBEDE6;padding:8px 10px;border-radius:3px}
.mtg-two{display:grid;grid-template-columns:1fr 1fr;gap:12px}.mtg-two__full{grid-column:1/-1}
.mtg-two [hidden]{display:none}
.mtg-out{display:flex;flex-direction:column;gap:24px}
.mtg-hero{background:var(--navy);color:#DCD6CB;padding:34px 36px;border-radius:var(--r)}
.mtg-hero__k{margin:0;font:700 11px/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--gold-2)}
.mtg-hero__v{margin:14px 0 4px;font:500 clamp(44px,5vw,64px)/1 var(--serif);color:var(--cream)}
.mtg-hero__s{margin:0;font-size:14.5px;color:#B9B3A8;min-height:22px}
.mtg-kpis{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:28px 0 0;border-top:1px solid rgba(255,255,255,.14)}
.mtg-kpis div{padding:18px 16px 0 0}.mtg-kpis div+div{padding-left:16px;border-left:1px solid rgba(255,255,255,.14)}
.mtg-kpis dt{font-size:12px;color:#B9B3A8}.mtg-kpis dd{margin:6px 0 0;font:600 17px/1.2 var(--sans);color:var(--cream)}
.mtg-card{background:var(--paper);border:1px solid var(--line);padding:28px 30px}
.mtg-card__h{font:500 26px/1.2 var(--serif);color:var(--navy);margin-bottom:16px;display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.dbr__bar{position:relative;height:12px;background:var(--sand);border-radius:6px;overflow:visible;margin:8px 0 34px}
.dbr__fill{position:absolute;left:0;top:0;bottom:0;border-radius:6px;transition:width .3s}
.dbr__fill--ok{background:#4E7A5A}.dbr__fill--warn{background:#C08A2E}.dbr__fill--bad{background:#A8462B}
.dbr__cap{position:absolute;left:50%;top:-6px;bottom:-6px;border-left:2px dashed var(--navy)}
.dbr__cap i{position:absolute;top:26px;left:-28px;font:700 10.5px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--navy);font-style:normal;white-space:nowrap}
.dbr__v{margin:0 0 6px;font-size:16px}.dbr__v b{font:500 30px/1 var(--serif);color:var(--navy);margin-right:4px}
.dbr__tag{display:inline-block;margin-left:8px;font:700 11px/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;padding:6px 9px;border-radius:3px;background:var(--sand);color:var(--navy);vertical-align:middle}
.dbr__tag--ok{background:#E3EEE5;color:#2F5A3B}.dbr__tag--warn{background:#F6EAD2;color:#7A5513}.dbr__tag--bad{background:#FBEDE6;color:#7A3420}
.dbr .muted{margin:6px 0}
.src{margin:16px 0 0;font-size:12.5px;line-height:1.6;color:var(--muted)}
.mtg-costs{width:100%;border-collapse:collapse;font-size:14.5px}
.mtg-costs th,.mtg-costs td{padding:10px 0;border-bottom:1px solid var(--line);text-align:left;font-weight:400;vertical-align:top}
.mtg-costs td{text-align:right;white-space:nowrap;font-weight:600;color:var(--navy);padding-left:16px}
.mtg-costs .sum th{font-weight:600;color:var(--navy)}.mtg-costs .sum--big th,.mtg-costs .sum--big td{font:500 22px/1.2 var(--serif);color:var(--navy);border-bottom:0;padding-top:14px}
.mtg-costs td.small{text-align:left;white-space:normal;font-weight:400;font-size:12.5px;color:var(--muted)}
.mtg-two--costs{grid-template-columns:repeat(3,1fr);margin-top:18px}
.amort{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.amort__chart{background:var(--cream);border:1px solid var(--line);padding:18px 14px 8px}
.amort__chart svg{width:100%;height:auto;display:block;font:12px var(--sans);fill:var(--muted)}
.amort__chart .gl{stroke:var(--line);stroke-width:1}.amort__chart .bp{fill:var(--navy)}.amort__chart .bi{fill:var(--gold-2)}
.amort__chart .bl{fill:none;stroke:var(--gold);stroke-width:2.5;stroke-dasharray:6 4}.amort__chart .ax{font-weight:700;font-size:11px;letter-spacing:.08em;text-transform:uppercase}
.amort__legend{display:flex;gap:26px;flex-wrap:wrap;margin:16px 0 0;font-size:14px;color:var(--muted)}
.amort__legend span{display:inline-flex;align-items:center;gap:8px}.k{display:inline-block;width:14px;height:14px;border-radius:2px}
.k--p{background:var(--navy)}.k--i{background:var(--gold-2)}.k--b{height:0;border-top:2.5px dashed var(--gold);border-radius:0;width:22px}
.amort__tbl{margin-top:36px}.amort__tbl summary{cursor:pointer;font:500 22px var(--serif);color:var(--navy);margin-bottom:14px}
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);background:var(--paper)}
.tbl{width:100%;border-collapse:collapse;font-size:14px;font-variant-numeric:tabular-nums}
.tbl th,.tbl td{padding:10px 16px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
.tbl thead th{font:700 11px/1.3 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--muted);background:var(--sand)}
.tbl th:first-child,.tbl td:first-child{text-align:left}
.tbl .sum td{font-weight:700;color:var(--navy);border-bottom:0}
.amort__tbl .tbl-wrap{max-height:520px}
.tbl--ref td{font:500 26px/1 var(--serif);color:var(--navy);text-align:center}.tbl--ref thead th{text-align:center;white-space:normal}.tbl--ref tbody th{text-align:left;font-weight:600;color:var(--navy)}
.ltvref .h3{margin-bottom:22px}
.preapp{background:var(--sand)}
.preapp__grid{display:grid;grid-template-columns:1.1fr 1fr;gap:64px;align-items:start}
.partner{margin-top:34px;background:var(--paper);border:1px solid var(--line);padding:26px 28px;display:grid;grid-template-columns:72px 1fr;gap:6px 20px;align-items:center}
.partner__logo{width:72px;height:72px;border:1px dashed var(--gold-2);display:flex;align-items:center;justify-content:center;font-size:12px;border-radius:3px}
.partner__k{margin:0;font:700 10.5px/1 var(--sans);letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.partner__n{margin:8px 0 2px;font:500 24px/1.2 var(--serif);color:var(--navy)}
.partner .muted{margin:0;font-size:13px}
.partner__cta{grid-column:1/-1;margin-top:18px}
.partner__url{grid-column:1/-1;margin:4px 0 0;font-size:12.5px;color:var(--muted);text-align:center}
.partner__url.flash .ph{background:rgba(217,181,122,.4)}
.disclose{margin:18px 0 0;padding:14px 16px;border-left:2px solid var(--gold);background:rgba(255,253,249,.6);font-size:14px;line-height:1.55;color:var(--navy)}
.lead-wrap{background:var(--paper);border:1px solid var(--line);padding:34px}
.lead{display:flex;flex-direction:column;gap:16px}
.lead .check{flex-direction:row;align-items:flex-start;gap:10px;font-weight:400;font-size:13px;line-height:1.55;color:var(--text)}
.lead .check input{margin-top:3px;flex:none;accent-color:var(--navy)}
.lead .invalid{border-color:#A8462B!important;background:#FBEDE6!important}
.lead-thanks:focus{outline:none}
@media (max-width:1100px){.mtg__grid{grid-template-columns:340px 1fr;gap:32px}.mtg-kpis{grid-template-columns:1fr 1fr}.mtg-kpis div:nth-child(3){padding-left:0;border-left:0}}
@media (max-width:960px){.mtg__grid,.preapp__grid{grid-template-columns:1fr}.preapp__grid{gap:40px}}
@media (max-width:600px){.mtg-form,.mtg-card,.lead-wrap{padding:22px}.mtg-hero{padding:26px 22px}.mtg-two--costs{grid-template-columns:1fr}.tbl th,.tbl td{padding:9px 10px}.tbl--ref td{font-size:20px}.partner{grid-template-columns:56px 1fr;padding:22px}.partner__logo{width:56px;height:56px}.amort__chart{padding:10px 4px 4px}.amort__chart svg{font-size:18px}}
.seg{width:100%;min-width:0}.seg label{width:100%}
.nav__links{align-items:center}.nav__ddb{font-size:inherit}
@media (max-width:600px){.amort__chart{overflow-x:auto}.amort__chart svg{min-width:680px;font-size:13px}}
/* v3: roster filter pill (the mortgage .seg rule above otherwise turns it into a 2-col grid) */
.filters .seg{display:inline-flex;width:auto;grid-template-columns:none;flex-wrap:wrap}
.grid .card{position:relative}
.grid .card::before{content:"AI advisor";position:absolute;top:8px;left:8px;z-index:1;font:500 9px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;background:rgba(22,24,28,.78);color:#F3EDE3;padding:5px 6px;border-radius:1px}
/* v5: broker handover line (replaces placeholder broker cards) */
.handover{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:56px 0}
.handover__inner{display:flex;align-items:center;justify-content:center;gap:28px;text-align:center}
.handover__rule{flex:0 1 90px;height:1px;background:var(--gold)}
.handover__line{font:400 clamp(22px,2.4vw,30px)/1.3 var(--serif);margin:0;color:var(--navy)}
.handover__line em{color:var(--gold);font-style:italic}
.partner__logo--soon{border-style:solid;font:500 11px/1 var(--sans);letter-spacing:.22em;text-transform:uppercase;color:var(--muted)}
@media (max-width:640px){.handover{padding:40px 0}.handover__rule{flex-basis:28px}.handover__inner{gap:14px}}
/* ===== v6 ===== */
@font-face{font-family:"Cormorant";src:url(../fonts/cormorant-cyr.woff2) format("woff2");font-weight:300 700;font-display:swap;unicode-range:U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116}
@font-face{font-family:"Cormorant";font-style:italic;src:url(../fonts/cormorant-italic-cyr.woff2) format("woff2");font-weight:300 700;font-display:swap;unicode-range:U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116}
@font-face{font-family:"Jost";src:url(../fonts/jost-cyr.woff2) format("woff2");font-weight:100 900;font-display:swap;unicode-range:U+0400-045F,U+0490-0491,U+04B0-04B1,U+2116}
@font-face{font-family:"Naskh";src:url(../fonts/naskh-arabic.woff2) format("woff2");font-weight:400 700;font-display:swap;unicode-range:U+0600-06FF,U+200C-200F,U+FD3E-FD3F}
/* new components */
.grid .card::before{content:none}
.grid .ai-tag{top:8px;left:8px;font-size:9px;padding:5px 6px;z-index:3}
.card__line{font-size:11.5px;color:var(--muted);display:block;margin-top:6px;letter-spacing:.02em}
.seg button[aria-pressed=true]{background:var(--navy);color:var(--on-dark)}
.seg button,.langs button{min-height:40px}
.hp{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap;margin:-1px}
.hint{font-size:12px;font-weight:400;letter-spacing:0;text-transform:none;color:var(--muted)}
.small{font-size:13px}
.lang-switch{display:flex;align-items:center;gap:2px;flex:none}
.lang-switch a{font:500 12px/1 var(--sans);letter-spacing:.08em;text-decoration:none;color:var(--muted);padding:10px 8px;min-width:32px;min-height:32px;text-align:center;border-radius:2px}
.lang-switch a[lang=ar]{font-family:"Kufi",var(--sans);letter-spacing:0;font-size:13px}
.lang-switch a:hover{color:var(--navy)}
.lang-switch a[aria-current]{color:var(--navy);box-shadow:inset 0 -1px 0 var(--gold)}
.nav--over .lang-switch a{color:rgba(243,237,227,.7)}
.nav--over .lang-switch a[aria-current]{color:var(--on-dark);box-shadow:inset 0 -1px 0 var(--gold-2)}
.nav.scrolled .lang-switch a,.nav.is-solid .lang-switch a{color:var(--muted)}
.lang-switch--m{display:flex;gap:8px;margin-top:18px}
.lang-switch--m a{font-size:14px!important;padding:12px 14px;border:1px solid var(--line);min-width:52px;color:var(--navy)!important}
.lang-switch--m a[aria-current]{border-color:var(--gold);box-shadow:none}
@media (max-width:1240px){.nav__inner>.lang-switch{margin-left:auto}.nav__inner>.lang-switch+.nav__cta+.nav__toggle{margin-left:0}}
@media (max-width:600px){.nav__inner>.lang-switch{display:none}}
.en-tag{font-size:.72em;opacity:.65;letter-spacing:.04em;margin-inline-start:2px}
.contact__direct{margin-top:26px;font-size:15px;color:var(--muted)}
.contact__dl{margin:30px 0 34px;display:grid;gap:0;border-top:1px solid var(--line)}
.contact__dl>div{display:grid;grid-template-columns:150px 1fr;gap:18px;padding:16px 0;border-bottom:1px solid var(--line)}
.contact__dl dt{font:500 11.5px/1.6 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
.contact__dl dd{margin:0;color:var(--navy);font-size:16px}
.langchips--sm{margin-top:0;padding-top:0;border-top:0;gap:4px 18px;margin-bottom:22px}
.langchips--sm li{font-size:16px}
.contact__copy .h3{font-size:24px;margin:0 0 14px;color:var(--navy)}
.page-hero--center{text-align:center}
.page-hero--center .eyebrow{justify-content:center}
.page-hero--center .h2,.page-hero--center .sub{margin-left:auto;margin-right:auto}
.ctas-row{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin:34px 0 22px}
.page-hero .btn--ghost{color:var(--on-dark);border-color:rgba(243,237,227,.5)}
.page-hero .btn--ghost:hover{background:var(--on-dark);color:var(--navy)}
/* guides */
.guide-meta{font-size:14px;color:var(--on-dark-2);margin-top:18px}
.disclaimer{background:var(--paper);border:1px solid var(--line);border-left:2px solid var(--gold);padding:16px 20px;font-size:14.5px;line-height:1.6;color:var(--muted);margin:0 0 34px}
.disclaimer b{color:var(--navy)}
.sources{margin-top:46px;padding-top:26px;border-top:1px solid var(--line)}
.sources h2{font-size:26px!important}
.sources ol{padding-left:22px;font-size:14.5px;line-height:1.65}
.sources li{margin-bottom:8px;overflow-wrap:anywhere}
.prose .tbl{width:100%;border-collapse:collapse;margin:18px 0 28px;font-size:15px}
.prose .tbl th,.prose .tbl td{white-space:normal;text-align:left;vertical-align:top;padding:11px 12px}
.prose .tbl thead th{font:500 11.5px/1.4 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--gold);border-bottom:1px solid var(--gold-2)}
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.guide-cta{margin:46px 0 0;background:var(--navy);color:var(--on-dark);padding:34px 36px;display:flex;flex-wrap:wrap;gap:18px 28px;align-items:center;justify-content:space-between}
.guide-cta p{margin:0;color:var(--on-dark);font:400 26px/1.25 var(--serif);max-width:520px}
.guide-cta .btn{flex:none}
.guide-more{margin-top:40px}
.guide-more h2{font-size:26px!important}
.guide-more ul{list-style:none;padding:0!important;display:grid;gap:0;border-top:1px solid var(--line)}
.guide-more li{border-bottom:1px solid var(--line)}
.guide-more a{display:block;padding:14px 0;text-decoration:none;color:var(--navy);font:400 21px/1.3 var(--serif)}
.guide-more a:hover{color:var(--gold)}
.gcards{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:20px}
.gcard{background:var(--paper);border:1px solid var(--line);border-top:2px solid var(--gold-2);padding:30px 30px 28px;display:flex;flex-direction:column;gap:12px;transition:border-color .3s,transform .4s var(--ease)}
.gcard:hover{border-color:var(--gold-2);transform:translateY(-2px)}
.gcard__n{font:400 34px/1 var(--serif);color:var(--gold)}
.gcard h2,.gcard h3{font:500 25px/1.18 var(--serif)!important;color:var(--navy);margin:0}
.gcard h2 a,.gcard h3 a{color:inherit;text-decoration:none}
.gcard h2 a::after,.gcard h3 a::after{content:"";position:absolute;inset:0}
.gcard{position:relative}
.gcard p{margin:0;font-size:15px;color:var(--muted);line-height:1.6}
@media (max-width:600px){.contact__dl>div{grid-template-columns:1fr;gap:4px}.guide-cta{padding:26px 22px}.guide-cta p{font-size:22px}.gcard{padding:24px 22px}}
/* tap targets */
.footer__links a{display:inline-block;padding:6px 0;min-height:32px}
.link{padding:2px 0}
/* ===== Arabic / RTL ===== */
html[lang=ar] body{font-family:"Jost","Kufi",system-ui,sans-serif;line-height:1.85}
html[lang=ar] .display,html[lang=ar] .h2,html[lang=ar] .h3,html[lang=ar] h1,html[lang=ar] h2,html[lang=ar] h3,html[lang=ar] .card__name,html[lang=ar] .langchips li,html[lang=ar] .mobile-menu a:not(.btn),html[lang=ar] .handover__line,html[lang=ar] .facts b,html[lang=ar] .faq__list summary{font-family:"Cormorant","Naskh",serif;letter-spacing:0}
html[lang=ar] .display{line-height:1.3;font-size:clamp(40px,5.2vw,78px)}
html[lang=ar] .h2{line-height:1.35;font-size:clamp(32px,3.6vw,52px)}
html[lang=ar] .h3{line-height:1.45}
html[lang=ar] em{font-style:normal}
html[lang=ar] *{letter-spacing:0!important}
html[lang=ar] .eyebrow,html[lang=ar] .textlink,html[lang=ar] .form label,html[lang=ar] .ai-tag,html[lang=ar] .card__play,html[lang=ar] .paycard__k,html[lang=ar] .contact__dl dt,html[lang=ar] .who,html[lang=ar] .btn,html[lang=ar] .ledger dt{text-transform:none}
html[lang=ar] .eyebrow{font-size:14px;font-weight:600}
html[lang=ar] .form label{font-size:14px}
html[lang=ar] .ai-tag{font-size:10.5px!important}
html[lang=ar] .btn{font-size:15px}
html[lang=ar] .nav__links a{font-size:15px}
html[lang=ar] .hero__lead,html[lang=ar] .lede{line-height:1.9}
html[lang=ru] .display{font-size:clamp(42px,5.6vw,84px)}
html[lang=ru] .h2{font-size:clamp(34px,3.9vw,56px)}
html[lang=ru] .nav__links{gap:24px}
[dir=rtl] .skip{left:auto;right:16px;top:-200px}
[dir=rtl] .skip:focus{left:auto;right:16px;top:16px}
[dir=rtl] .btn:hover span[aria-hidden]{transform:translateX(-4px)}
[dir=rtl] .disclosure-bar .dot{margin-right:0;margin-left:10px}
[dir=rtl] .nav__links{margin-left:0;margin-right:auto}
[dir=rtl] .nav__links>a::after{transform-origin:right}
[dir=rtl] .nav__toggle{margin-left:0;margin-right:auto}
[dir=rtl] .hero__scroll{right:auto;left:48px}
[dir=rtl] .facts li{border-left:0;border-right:1px solid var(--rule-dark)}
[dir=rtl] .facts li:first-child{border-right:0;padding-left:32px;padding-right:0}
[dir=rtl] .principles__list li+li{padding-left:0;padding-right:44px;border-left:0;border-right:1px solid var(--rule-dark)}
[dir=rtl] .pledges li{padding-left:0;padding-right:32px}
[dir=rtl] .pledges li::before{left:auto;right:0}
[dir=rtl] .ticks li{padding-left:0;padding-right:32px}
[dir=rtl] .ticks li::before{left:auto;right:2px}
[dir=rtl] .faq__list summary{padding-right:0;padding-left:44px}
[dir=rtl] .faq__list summary::after{right:auto;left:6px}
[dir=rtl] .ai-tag,[dir=rtl] .grid .ai-tag{left:auto;right:8px}
[dir=rtl] .seg button sup{margin-left:0;margin-right:3px}
[dir=rtl] .sources ol,[dir=rtl] .prose ul{padding-left:0;padding-right:22px}
[dir=rtl] .prose .tbl th,[dir=rtl] .prose .tbl td{text-align:right}
[dir=rtl] .card__play{justify-content:flex-end;direction:ltr}
[dir=rtl] .office__body,[dir=rtl] .ledger{text-align:right}
[dir=rtl] .form .check{text-align:right}
[dir=rtl] .form select{background-position:left 4px center}
[dir=rtl] .disclosure-bar{text-align:center}
[dir=rtl] input[type=email],[dir=rtl] input[type=tel]{text-align:right}
@media (max-width:1240px){[dir=rtl] .nav__inner>.lang-switch{margin-left:0;margin-right:auto}}
@media (max-width:960px){[dir=rtl] .facts li:nth-child(3){border-right:0;padding-right:0}[dir=rtl] .principles__list li,[dir=rtl] .principles__list li+li{padding:34px 0;border-right:0}}
@media (max-width:600px){[dir=rtl] .facts li:nth-child(even){padding-left:0;padding-right:16px}[dir=rtl] .disclosure-bar{text-align:right}[dir=rtl] .ai-tag{right:4px;left:auto}}
html[lang=ru] .nav__links{gap:22px}
html[lang=ru] .nav__links a{letter-spacing:.1em}
@media (max-width:1500px){html[lang=ru] .nav__links,html[lang=ru] .nav__cta{display:none}html[lang=ru] .nav__toggle{display:block}html[lang=ru] .nav__inner>.lang-switch{margin-left:auto}html[lang=ru] .nav__toggle{margin-left:14px}}
@media (max-width:1240px){[dir=rtl] .nav__inner>.lang-switch+.nav__cta+.nav__toggle{margin-left:0;margin-right:14px}.nav__inner>.lang-switch+.nav__cta+.nav__toggle{margin-left:14px}}
@media (max-width:600px){.nav__inner>.lang-switch+.nav__cta+.nav__toggle{margin-left:auto}[dir=rtl] .nav__inner>.lang-switch+.nav__cta+.nav__toggle{margin-left:0;margin-right:auto}}
.footer .link,.footer a.link{color:var(--gold-2)}
.footer .small.muted,.footer .muted{color:rgba(243,237,227,.66)}
.seg button sup{opacity:1;color:#6b6964}
.seg button[aria-pressed=true] sup{color:inherit}
.card__line{font-size:12.5px;color:#5f5d59}
/* tap targets: enlarge hit areas without moving the visuals */
.textlink,.eyebrow a,.footer__legal a,.ledger a,.guide-meta a{position:relative}
.textlink::before,.eyebrow a::before,.footer__legal a::before,.ledger a::before{content:"";position:absolute;left:-4px;right:-4px;top:-12px;bottom:-12px}
.eyebrow a{color:inherit;text-decoration:none}
.eyebrow a:hover{color:var(--navy)}
.page-hero .eyebrow a:hover{color:var(--on-dark)}
.form .check{min-height:44px;align-items:flex-start}
a.gcard{text-decoration:none;color:inherit}
.gcard b{font:500 25px/1.18 var(--serif);color:var(--navy)}
.gcard span:not(.gcard__n){font-size:15px;color:var(--muted);line-height:1.6}
.gcard i{margin-top:auto;padding-top:8px;font:500 12px/1 var(--sans);font-style:normal;letter-spacing:.18em;text-transform:uppercase;color:var(--gold)}
a.gcard:hover b{color:var(--gold)}
.page-hero .btn--navy{background:var(--gold-2);color:#17130D;border-color:var(--gold-2)}
.page-hero .btn--navy:hover{background:var(--on-dark);border-color:var(--on-dark)}
[dir=rtl] .contact__dl dd{text-align:right}
[dir=rtl] .en-tag{direction:ltr;unicode-bidi:isolate;display:inline-block}