/* ================================================================
   VARIABLES
   ================================================================ */

:root {
  /* Colors */
  --navy: #1c233f;
  --navy2: #111827;
  --navy-lt: #2a3556;
  --sage: #b1cbb4;
  --sage-lt: #d8eada;
  --sage-dk: #6a9e6e;
  --gold: #c9a96e;
  --cream: #faf8f4;
  --off: #f4f5f2;
  --white: #ffffff;
  --offwhite: #f7f9f7;
  --border: #d4ddd5;
  --muted: #6b7c8d;
  --text: #1c233f;
  --lead-color: #445;
  --prot-text: #3a4a5a;
  --card-text: #4a5568;

  /* Fonts */
  --font-body: "DM Sans", sans-serif;
  --font-heading: "Cormorant Garamond", serif;
  --font-display: "Playfair Display", serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

.op-75 {
  opacity: 0.75;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
}

/* ---- Text color utilities ---- */
.text-navy {
  color: var(--navy);
}
.text-white {
  color: var(--white);
}
.text-sage {
  color: var(--sage);
}
.text-sage-dk {
  color: var(--sage-dk);
}
.text-muted {
  color: var(--muted);
}
.text-lead {
  color: var(--lead-color);
}
.text-card {
  color: var(--card-text);
}
.text-prot {
  color: var(--prot-text);
}

#nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 999;
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 2.5rem;
  background: rgba(17, 24, 39, 0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(177, 203, 180, 0.1);
}

.nav-logo img {
  height: 42px;
  width: auto;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 0.1rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-links a {
  font-size: 0.76rem;
  font-weight: 500;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.6);
  text-decoration: none;
  padding: 0.42rem 0.82rem;
  border-radius: 7px;
  transition:
    color 0.18s,
    background 0.18s;
  white-space: nowrap;
}

.nav-links a:hover {
  color: var(--sage);
  background: rgba(177, 203, 180, 0.09);
}

.nav-right {
  display: flex;
  align-items: center;
  gap: 0.8rem;
}

.page-tabs {
  display: flex;
  align-items: center;
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(177, 203, 180, 0.2);
  border-radius: 9px;
  padding: 3px;
}

.ptab {
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.5);
  padding: 0.38rem 0.9rem;
  border-radius: 6px;
  cursor: pointer;
  border: none;
  background: transparent;
  font-family: inherit;
  transition: all 0.2s;
}

.ptab.on {
  background: var(--sage-dk);
  color: var(--white);
}

.ptab-icon {
  display: none;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  background: none;
  border: none;
}

.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--sage);
  border-radius: 2px;
  transition:
    transform 0.3s,
    opacity 0.3s;
}

.hamburger.active span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.hamburger.active span:nth-child(2) {
  opacity: 0;
}

.hamburger.active span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* ================================================================
   PAGE TRANSITION OVERLAY + CALC MODE
   ================================================================ */

.page-overlay {
  position: fixed;
  inset: 0;
  z-index: 900;
  background: var(--navy);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.15s ease;
}

.page-overlay.active {
  opacity: 1;
  pointer-events: auto;
}

main.calc-mode > section:not(#calculator),
main.calc-mode > .sec:not(#calculator) {
  display: none;
}

main.calc-mode > #calculator {
  padding-top: 5rem;
}

#hero {
  min-height: 100vh;
  min-height: 100svh;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding-top: 68px;
  padding-bottom: 8rem;
  position: relative;
  overflow: hidden;
  background: var(--navy2);
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(
      160deg,
      rgba(17, 24, 39, 0.78) 0%,
      rgba(22, 30, 50, 0.85) 55%,
      rgba(10, 14, 30, 0.82) 100%
    ),
    url("../img/Hero-house-image.jpg") center / cover no-repeat;
}

.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(177, 203, 180, 0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(177, 203, 180, 0.03) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: radial-gradient(
    ellipse 80% 80% at 50% 50%,
    black 20%,
    transparent 80%
  );
}

.hero-in {
  position: relative;
  z-index: 2;
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 2.5rem;
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--sage);
  margin-bottom: 2rem;
}

.hero-tag::before {
  content: "";
  width: 28px;
  height: 1px;
  background: var(--sage);
}

.hero-h1 {
  font-family: var(--font-heading);
  font-size: clamp(2.9rem, 6.5vw, 5.8rem);
  font-weight: 600;
  line-height: 1.07;
  color: var(--white);
  max-width: 900px;
  margin-bottom: 2rem;
}

.hero-h1 em {
  font-style: italic;
  color: var(--sage);
}

.hero-sub {
  font-size: 1.05rem;
  line-height: 1.75;
  color: rgba(255, 255, 255, 0.904);
  max-width: 520px;
  margin-bottom: 3rem;
}

.hero-btns {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.scroll-cue {
  position: absolute;
  bottom: 2.5rem;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  color: white;
  font-size: 0.65rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  cursor: pointer;
  transition: color 0.2s;
}

.scroll-cue:hover {
  color: rgba(255, 255, 255, 0.7);
}

.scroll-line {
  width: 1px;
  height: 36px;
  background: linear-gradient(to bottom, rgb(255, 255, 255), rgba(255, 255, 255, 0.87));
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: inherit;
  font-size: 0.88rem;
  font-weight: 600;
  padding: 0.85rem 1.9rem;
  border-radius: 10px;
  text-decoration: none;
  border: none;
  cursor: pointer;
  transition: all 0.2s;
}

.btn-g {
  background: var(--sage-dk);
  color: var(--white);
}

.btn-g:hover {
  background: var(--sage);
  color: var(--navy);
  transform: translateY(-2px);
}

.btn-o {
  background: #6a9e6ebf;
}



.btn-dark {
  background: var(--navy);
  color: var(--white);
}

.btn-dark:hover {
  background: var(--navy-lt);
  transform: translateY(-1px);
}

.sec {
  padding: 7rem 2.5rem;
}

.inn {
  max-width: 1160px;
  margin: 0 auto;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  margin-bottom: 1.1rem;
}

.eyebrow::before {
  content: "";
  width: 24px;
  height: 1px;
  background: var(--sage-dk);
}

.rule {
  width: 48px;
  height: 2px;
  background: linear-gradient(90deg, var(--sage-dk), var(--gold));
  border-radius: 2px;
  margin-bottom: 1.8rem;
}

h2.sh {
  font-family: var(--font-heading);
  font-size: clamp(2rem, 4vw, 3.2rem);
  font-weight: 600;
  line-height: 1.12;
  margin-bottom: 1.3rem;
}

h2.sh em {
  font-style: italic;
}

.lead {
  font-size: 0.96rem;
  line-height: 1.85;
}

.lead-w {
  color: rgba(255, 255, 255, 0.6);
}

#about {
  background: var(--white);
}

#about .about-grid > div:first-child > p:first-of-type {
  margin-bottom: 1rem;
}

.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 5.5rem;
  align-items: start;
}

.robert-card {
  background: var(--navy);
  border-radius: 20px;
  padding: 2.5rem;
  overflow: hidden;
}

.rob-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.2rem;
  margin-bottom: 1.4rem;
}

.rob-header-text {
  flex: 1;
}

.rob-header-text h3 {
  margin-bottom: 0.2rem;
}

.rob-header-text .rob-role {
  margin-bottom: 0;
}

.rob-photo {
  width: 110px;
  height: 110px;
  border-radius: 50%;
  object-fit: cover;
  object-position: center top;
  border: 3px solid rgba(177, 203, 180, 0.25);
  flex-shrink: 0;
}

.robert-card h3 {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  font-weight: 600;
  color: var(--white);
  margin-bottom: 0.2rem;
}

.rob-role {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--sage);
  margin-bottom: 1.6rem;
}

.robert-card p {
  font-size: 0.9rem;
  line-height: 1.82;
  color: rgba(255, 255, 255, 0.65);
  margin-bottom: 0.95rem;
}

.robert-card p:last-child {
  margin-bottom: 0;
}

.robert-card a {
  color: var(--sage);
  text-decoration: none;
}

.robert-card a:hover {
  text-decoration: underline;
}

#services {
  background: var(--off);
}

.svc-intro {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 3.5rem;
  align-items: end;
}

.svc-two-col {
  grid-template-columns: repeat(2, 1fr) !important;
}

#specialist {
  background: var(--navy);
}

#specialist .rule {
  background: linear-gradient(90deg, var(--sage), var(--gold));
}

#specialist .lead-w {
  max-width: 680px;
  margin-bottom: 3rem;
}

#protection {
  background: var(--cream);
}

.prot-band {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
  background: var(--sage-lt);
  border-radius: 22px;
  padding: 3.5rem;
  margin-top: 2.5rem;
}

.prot-band h3 {
  font-family: var(--font-heading);
  font-size: 1.85rem;
  font-weight: 600;
  margin-bottom: 1rem;
}

.prot-band p {
  font-size: 0.92rem;
  line-height: 1.82;
  margin-bottom: 1rem;
}

.prot-band p:last-of-type {
  margin-bottom: 1.5rem;
}

.prot-photo {
  border-radius: 16px;
  overflow: hidden;
  box-shadow: 0 12px 40px rgba(28, 35, 63, 0.12);
}

.prot-photo img {
  width: 100%;
  height: 340px;
  object-fit: cover;
  display: block;
}

#equity {
  background: var(--white);
  padding-top: 0;
}

.eq-feature-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4.5rem;
  align-items: center;
  padding-top: 7rem;
}

.eq-feature-img {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 20px 60px rgba(28, 35, 63, 0.15);
}

.eq-feature-img img {
  width: 100%;
  height: 520px;
  object-fit: cover;
  display: block;
}

.eq-feature-badge {
  position: absolute;
  bottom: 1.8rem;
  left: 1.8rem;
  background: var(--navy);
  border-radius: 14px;
  padding: 1rem 1.4rem;
  display: flex;
  flex-direction: column;
}

.eq-badge-num {
  font-family: var(--font-heading);
  font-size: 2.4rem;
  font-weight: 700;
  color: var(--sage);
  line-height: 1;
}

.eq-badge-txt {
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.5);
  margin-top: 0.2rem;
}

.eq-feature-content .lead {
  margin-bottom: 1.1rem;
}

.eq-feature-content .lead:last-of-type {
  margin-bottom: 2rem;
}

/* ================================================================
   SPECIALIST PHOTO CARDS
   ================================================================ */

.spec-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.spec-photo-card {
  background: var(--white);
  border-radius: 16px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition:
    transform 0.25s,
    box-shadow 0.25s;
}

.spec-photo-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 48px rgba(0, 0, 0, 0.25);
}

.spec-photo-wrap {
  position: relative;
  height: 200px;
  overflow: hidden;
}

.spec-photo-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s;
}

.spec-photo-card:hover .spec-photo-wrap img {
  transform: scale(1.05);
}

.spec-photo-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to bottom,
    transparent 50%,
    rgba(28, 35, 63, 0.3) 100%
  );
}

.spec-card-body {
  padding: 1.4rem 1.5rem 1.6rem;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.spec-card-body h3 {
  font-family: var(--font-heading);
  font-size: 1.25rem;
  font-weight: 700;
  margin-bottom: 0.6rem;
}

.spec-card-body p {
  font-size: 0.87rem;
  line-height: 1.72;
  flex: 1;
  margin-bottom: 1.2rem;
}

.spec-find-btn {
  display: inline-block;
  background: var(--sage-dk);
  color: var(--white);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  text-decoration: none;
  padding: 0.7rem 1.4rem;
  border-radius: 8px;
  transition:
    background 0.2s,
    transform 0.15s;
  text-align: center;
}

.spec-find-btn:hover {
  background: var(--navy);
  transform: translateY(-1px);
}

/* ================================================================
   CONTACT
   ================================================================ */

#contact {
  background: var(--navy);
}

#contact .rule {
  background: linear-gradient(90deg, var(--sage), var(--gold));
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 2.5rem;
  margin-top: 3rem;
  align-items: start;
}

.c-link {
  display: flex;
  align-items: center;
  gap: 0.9rem;
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.88rem;
  text-decoration: none;
  margin-bottom: 0.9rem;
  transition: color 0.2s;
}

.c-link:hover {
  color: var(--sage);
}

.c-ico {
  width: 38px;
  height: 38px;
  flex-shrink: 0;
  background: rgba(177, 203, 180, 0.12);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
}

.cform {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(177, 203, 180, 0.14);
  border-radius: 20px;
  padding: 2.5rem;
}

.cf-row {
  margin-bottom: 1.1rem;
}

.cf-row label {
  display: block;
  font-size: 0.74rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.4);
  margin-bottom: 0.4rem;
}

.cf-row input,
.cf-row textarea {
  width: 100%;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(177, 203, 180, 0.18);
  border-radius: 10px;
  padding: 0.76rem 1rem;
  font-family: inherit;
  font-size: 0.88rem;
  color: var(--white);
  outline: none;
  transition:
    border-color 0.2s,
    background 0.2s;
}

.cf-row input::placeholder,
.cf-row textarea::placeholder {
  color: rgba(255, 255, 255, 0.22);
}

.cf-row input:focus,
.cf-row textarea:focus {
  border-color: var(--sage);
  background: rgba(177, 203, 180, 0.07);
}

.cf-row textarea {
  resize: vertical;
  min-height: 105px;
}

.cf-btn {
  width: 100%;
  padding: 0.95rem;
  background: var(--sage-dk);
  color: var(--white);
  font-family: inherit;
  font-size: 0.92rem;
  font-weight: 600;
  border: none;
  border-radius: 10px;
  cursor: pointer;
  transition:
    background 0.2s,
    transform 0.15s;
}

.cf-btn:hover {
  background: var(--sage);
  color: var(--navy);
  transform: translateY(-1px);
}

.cf-gdpr {
  font-size: 0.68rem;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.35);
  margin-top: 1.1rem;
  margin-bottom: 2rem;
  padding-top: 0.9rem;
  border-top: 1px solid rgba(177, 203, 180, 0.1);
}

.contact-disc {
  margin-top: 4rem;
  padding-top: 1.8rem;
  border-top: 1px solid rgba(177, 203, 180, 0.4);
}

.contact-disc p {
  font-size: 0.72rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 0.6rem;
}

.contact-disc p:last-child {
  margin-bottom: 0;
}

#calculator {
  background: var(--off);
}

#calculator > .inn > .lead {
  margin-bottom: 2.5rem;
  max-width: 600px;
}

#linkedin {
  background: var(--white);
  padding-top: 5rem;
  padding-bottom: 5rem;
}

.calc-wrap {
  --sage-dk: #7aab7e;
  --offwhite: #f7f9f7;
  --border: #d0dcd1;
  font-family: var(--font-body);
  max-width: none;
  margin: 0 auto;
}

.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 2.2rem 2rem;
  max-width: 640px;
  margin: 0 auto 1.5rem;
  box-shadow: 0 4px 24px rgba(28, 35, 63, 0.08);
}

.calc-wrap .section-title {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--muted);
  margin-top: 0;
  margin-bottom: 1.4rem;
  display: flex;
  align-items: center;
  gap: 0.6rem;
}

.calc-wrap .section-title::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--border);
}

.calc-wrap .row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.2rem;
  margin-bottom: 1.4rem;
}

.calc-wrap .field {
  margin-bottom: 1.4rem;
  min-width: 0;
}

.calc-wrap .field:last-child {
  margin-bottom: 0;
}

.calc-wrap label.field-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 0.55rem;
}

.calc-wrap .hint {
  font-size: 0.76rem;
  color: var(--muted);
  margin-top: 0.35rem;
}

.input-wrap {
  display: flex;
  align-items: stretch;
  border: 2px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
  background: var(--offwhite);
  transition:
    border-color 0.2s,
    box-shadow 0.2s;
  width: 100%;
  box-sizing: border-box;
}

.calc-wrap .input-wrap:focus-within {
  border-color: var(--sage-dk);
  box-shadow: 0 0 0 3px rgba(177, 203, 180, 0.4);
  background: var(--white);
}

.calc-wrap .input-affix {
  display: flex;
  align-items: center;
  padding: 0 0.9rem;
  background: var(--navy);
  color: var(--white);
  font-weight: 600;
  font-size: 0.95rem;
  flex-shrink: 0;
}

.calc-wrap .input-affix.suffix {
  background: var(--sage-lt);
  color: var(--navy);
}

.calc-wrap .input-wrap input[type="number"] {
  flex: 1 1 0%;
  border: none;
  background: transparent;
  padding: 0.78rem 1rem;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 500;
  color: var(--navy);
  outline: none;
  -moz-appearance: textfield;
  min-width: 0;
  width: 100%;
  box-sizing: border-box;
}

.calc-wrap input::-webkit-inner-spin-button,
.calc-wrap input::-webkit-outer-spin-button {
  -webkit-appearance: none;
}

.rate-monthly-row {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: end;
  gap: 0.8rem;
  margin-bottom: 1.4rem;
}

.rate-monthly-row .field {
  margin-bottom: 0;
}

.calc-wrap .or-divider {
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--muted);
  padding-bottom: 0.85rem;
}

.radio-group {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.calc-wrap .radio-card {
  flex: 1;
  min-width: 120px;
}

.calc-wrap .radio-card input[type="radio"] {
  display: none;
}

.calc-wrap .radio-card label {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  padding: 0.75rem 1.1rem;
  border: 2px solid var(--border);
  border-radius: 10px;
  cursor: pointer;
  font-size: 0.92rem;
  font-weight: 500;
  color: var(--muted);
  background: var(--offwhite);
  transition:
    border-color 0.2s,
    background 0.2s,
    color 0.2s;
  user-select: none;
}

.calc-wrap .radio-card input:checked + label {
  border-color: var(--navy);
  background: var(--white);
  color: var(--navy);
  font-weight: 600;
}

.calc-wrap .radio-dot {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: border-color 0.2s;
  position: relative;
}

.calc-wrap .radio-card input:checked + label .radio-dot {
  border-color: var(--navy);
}

.calc-wrap .radio-dot::after {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--navy);
  opacity: 0;
  transition: opacity 0.15s;
}

.calc-wrap .radio-card input:checked + label .radio-dot::after {
  opacity: 1;
}

.fee-row {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.75rem;
  align-items: center;
}

.calc-wrap .toggle-pill {
  display: flex;
  border: 2px solid var(--border);
  border-radius: 10px;
  overflow: hidden;
  background: var(--offwhite);
}

.calc-wrap .toggle-pill button {
  padding: 0.78rem 1rem;
  border: none;
  background: transparent;
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--muted);
  cursor: pointer;
  transition:
    background 0.15s,
    color 0.15s;
}

.calc-wrap .toggle-pill button.active {
  background: var(--navy);
  color: var(--white);
}

.calc-btn {
  width: 100%;
  background: var(--navy);
  color: var(--white);
  border: none;
  border-radius: 12px;
  padding: 1.05rem;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  cursor: pointer;
  margin-top: 1.6rem;
  transition:
    background 0.2s,
    transform 0.15s,
    box-shadow 0.2s;
}

.calc-wrap .calc-btn:hover {
  background: var(--navy-lt);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(28, 35, 63, 0.25);
}

.calc-wrap .calc-btn:active {
  transform: translateY(0);
}

.results-card {
  background: var(--navy);
  border-radius: 20px;
  padding: 2rem;
  max-width: 640px;
  margin: 0 auto 1.5rem;
  color: var(--white);
  box-shadow: 0 8px 32px rgba(28, 35, 63, 0.22);
  display: none;
}

.calc-col-results .results-card {
  display: block;
  margin-bottom: 0;
}

.calc-wrap .results-card.visible {
  display: block;
}

.calc-wrap .results-card .section-title {
  color: var(--sage-lt);
}

.calc-wrap .results-card .section-title::after {
  background: rgba(177, 203, 180, 0.3);
}

.calc-wrap .results-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: 1.2rem;
}

.calc-wrap .res-tile {
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(177, 203, 180, 0.2);
  border-radius: 12px;
  padding: 1.1rem 1.2rem;
}

.calc-wrap .res-tile.highlight {
  background: var(--sage);
  border-color: var(--sage);
  grid-column: 1 / -1;
}

.calc-wrap .res-tile .res-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 0.4rem;
}

.calc-wrap .res-tile.highlight .res-label {
  color: var(--navy);
  opacity: 0.7;
}

.calc-wrap .res-tile .res-value {
  font-family: var(--font-display);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--white);
  line-height: 1;
}

.calc-wrap .res-tile.highlight .res-value {
  font-size: 2.4rem;
  color: var(--navy);
}

.calc-wrap .res-tile .res-sub {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.5);
  margin-top: 0.3rem;
}

.calc-wrap .res-tile.highlight .res-sub {
  color: var(--navy);
  opacity: 0.65;
}

.bar-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 0.55rem;
}

.calc-wrap .bar-track {
  height: 22px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.1);
  display: flex;
  overflow: hidden;
}

.calc-wrap .bar-fill {
  height: 100%;
  width: 0%;
  transition: width 0.9s cubic-bezier(0.4, 0, 0.2, 1);
}

.calc-wrap .bar-fill.p {
  background: var(--sage);
}

.calc-wrap .bar-fill.i {
  background: rgba(255, 255, 255, 0.3);
}

.calc-wrap .bar-legend {
  display: flex;
  gap: 1.2rem;
  margin-top: 0.55rem;
}

.calc-wrap .bl-item {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.6);
}

.calc-wrap .bl-dot {
  width: 9px;
  height: 9px;
  border-radius: 3px;
}

.calc-wrap .bl-item:first-child .bl-dot {
  background: var(--sage);
}

.calc-wrap .bl-item:last-child .bl-dot {
  background: rgba(255, 255, 255, 0.3);
}

.calc-wrap .calc-disclaimer {
  text-align: center;
  max-width: 640px;
  margin: 2rem auto 0;
  font-size: 0.74rem;
  color: var(--muted);
  line-height: 1.6;
}

.calc-wrap .calc-disclaimer p {
  margin: 0;
}

.calc-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: start;
}

.calc-col-input,
.calc-col-results {
  min-width: 0;
}

/* ================================================================
   RESPONSIVE
   ================================================================ */

@media (max-width: 1200px) {
  #nav {
    padding: 1rem;
  }
}

@media (max-width: 1024px) and (min-width: 993px) {
  .ptab-text {
    display: none;
  }

  .ptab-icon {
    display: block;
  }

  .ptab {
    padding: 0.38rem;
    display: flex;
    align-items: center;
    justify-content: center;
  }
}

@media (max-width: 992px) {
  /* Navigation — mobile menu */
  #nav {
    padding: 0 1rem;
  }

  .hamburger {
    display: flex;
  }

  .nav-links {
    position: fixed;
    top: 68px;
    left: 0;
    right: 0;
    height: calc(100vh - 68px);
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 0;
    background: rgba(10, 14, 30, 0.98);
    padding: 0 2rem;
    clip-path: inset(0 0 100% 0);
    transition: clip-path 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  }

  .nav-links.open {
    clip-path: inset(0 0 0 0);
  }

  .nav-links li {
    list-style: none;
    width: 100%;
    max-width: 320px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    opacity: 0;
    transform: translateY(20px);
    transition:
      opacity 0.3s,
      transform 0.3s;
  }

  .nav-links li:last-child {
    border-bottom: none;
  }

  .nav-links.open li {
    opacity: 1;
    transform: translateY(0);
  }

  .nav-links.open li:nth-child(1) {
    transition-delay: 0.08s;
  }
  .nav-links.open li:nth-child(2) {
    transition-delay: 0.12s;
  }
  .nav-links.open li:nth-child(3) {
    transition-delay: 0.16s;
  }
  .nav-links.open li:nth-child(4) {
    transition-delay: 0.2s;
  }
  .nav-links.open li:nth-child(5) {
    transition-delay: 0.24s;
  }
  .nav-links.open li:nth-child(6) {
    transition-delay: 0.28s;
  }
  .nav-links.open li:nth-child(7) {
    transition-delay: 0.32s;
  }

  .nav-links a {
    display: block;
    font-size: 1.5rem;
    font-weight: 600;
    font-family: var(--font-heading);
    letter-spacing: 0.04em;
    text-transform: none;
    text-align: center;
    padding: 0.85rem 1.5rem;
    border-radius: 0;
    color: rgba(255, 255, 255, 0.8);
    border-bottom: none;
  }

  .nav-links a:hover {
    color: var(--sage);
    background: rgba(177, 203, 180, 0.08);
  }

  /* Layout — single column */
  .eq-feature-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
    padding-top: 5rem;
  }

  .about-grid,
  .prot-band {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
}

@media (max-width: 920px) {
  .eq-feature-img img {
    height: 320px;
  }
}

@media (max-width: 900px) {
  .spec-cards-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 860px) {
  .calc-layout {
    grid-template-columns: 1fr;
  }

  .calc-col-results .results-card {
    display: none;
  }

  .calc-col-results .results-card.visible {
    display: block;
  }
}

@media (max-width: 768px) {
  #hero {
    padding-bottom: 6.5rem;
  }

  .hero-h1 {
    font-size: clamp(2rem, 6vw, 3.5rem);
  }

  .sec {
    padding: 4rem 1.5rem;
  }

  .contact-grid,
  .svc-intro {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 600px) {
  .calc-wrap .card {
    padding: 1.5rem 1.2rem;
  }

  .calc-wrap .row-2 {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .eq-feature-badge {
    bottom: .8rem;
    left: .8rem;
    padding: 1rem .6rem;
}

  .rate-monthly-row {
    grid-template-columns: 1fr;
    gap: 1.2rem;
  }

  .calc-wrap .or-divider {
    display: none;
  }

  .fee-row {
    grid-template-columns: auto 1fr;
    gap: 0.75rem;
  }

  .prot-band,
  .robert-card,
  .cform {
    padding: 2rem 1.5rem;
  }
}

@media (max-width: 580px) {
  .hero-in {
    padding: 0 1.5rem;
  }
  .hero-sub{
    margin-bottom: 2rem;
}

  .spec-cards-grid {
    grid-template-columns: 1fr;
  }

  .svc-two-col {
    grid-template-columns: 1fr !important;
  }
}

@media (max-width: 430px) {
  .ptab-text {
    display: none;
  }

  .ptab-icon {
    display: block;
  }

  .ptab {
    padding: 0.38rem;
    display: flex;
    align-items: center;
    justify-content: center;
  }

  .rob-header {
    flex-direction: column-reverse;
    text-align: center;
  }

  .results-card.visible {
    text-align: center;
  }

  .radio-group {
    flex-direction: column;
  }

  .calc-wrap .results-grid {
    grid-template-columns: 1fr;
  }

  .calc-wrap .bar-legend {
    justify-content: center;
  }
}