/* ── CSS Custom Properties ───────────────────────────────────────────────── */
:root {
  --navy:       #0B1F3A;
  --navy-deep:  #081629;
  --navy-mid:   #0d2446;
  --gold:       #C89B3C;
  --gold-dark:  #A5821E;
  --gold-glow:  rgba(200, 155, 60, 0.18);
  --beige:      #EFE6DB;
  --beige-2:    #F5F0EA;
  --warm-white: #F7F7F5;
  --green:      #2D7A4F;
  --text:       #1A1A1A;
  --text-mid:   #555;
  --text-soft:  #777;
  --border:     #E8E2D9;
  --shadow-sm:  0 1px 3px rgba(0,0,0,0.06), 0 4px 16px rgba(0,0,0,0.04);
  --shadow-md:  0 4px 20px rgba(0,0,0,0.09);
  --shadow-lg:  0 8px 40px rgba(0,0,0,0.14);
  --r-sm:       8px;
  --r-md:       14px;
  --r-lg:       18px;
  --r-xl:       24px;
  --r-pill:     999px;
  --ease:       cubic-bezier(0.25, 0.46, 0.45, 0.94);
  --trans:      all 0.22s var(--ease);
}

/* ── Reset & globals ─────────────────────────────────────────────────────── */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--warm-white);
  color: var(--text);
  line-height: 1.7;
  font-size: 16px;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

a  { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
button { font-family: inherit; }

/* ── Animations ──────────────────────────────────────────────────────────── */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(22px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

/* ── Buttons ─────────────────────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.8rem 1.9rem;
  border-radius: var(--r-pill);
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  border: none;
  transition: var(--trans);
  letter-spacing: 0.01em;
}

.btn-primary {
  background: var(--navy);
  color: #fff;
}
.btn-primary:hover {
  background: var(--navy-deep);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(11,31,58,0.32);
}

.btn-secondary {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-secondary:hover {
  background: var(--navy);
  color: #fff;
}

.btn-gold {
  background: var(--gold);
  color: #fff;
}
.btn-gold:hover {
  background: var(--gold-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(200,155,60,0.32);
}

.btn-outline-white {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,0.45);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,0.12);
  border-color: rgba(255,255,255,0.8);
}

.btn-whatsapp {
  background: #25D366;
  color: #fff;
}
.btn-whatsapp:hover {
  background: #1EB85A;
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(37,211,102,0.32);
}

.btn:active { transform: scale(0.97) !important; }

/* ── Navbar ──────────────────────────────────────────────────────────────── */
.navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border);
  transition: background 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}

.navbar--over-hero {
  position: fixed;
  width: 100%;
  background: transparent;
  border-bottom-color: rgba(255,255,255,0.1);
  box-shadow: none;
}

.navbar--over-hero .nav-link { color: rgba(255,255,255,0.82); }
.navbar--over-hero .nav-link:hover,
.navbar--over-hero .nav-link.active { color: var(--gold); }
.navbar--over-hero .navbar-brand { color: #fff; }
.navbar--over-hero .navbar-brand .brand-invest,
.navbar--over-hero .navbar-brand .brand-heimish { color: #fff; }
.navbar--over-hero .navbar-brand .brand-heimish { color: var(--gold); }
.navbar--over-hero .menu-toggle span { background: #fff; }
.navbar--over-hero .navbar-cta {
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.3);
  color: #fff;
}
.navbar--over-hero .navbar-cta:hover { background: var(--gold); border-color: var(--gold); }

.navbar-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  padding: 0.6rem 1.5rem;
  gap: 1.5rem;
}

.navbar-brand {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--navy);
  white-space: nowrap;
  letter-spacing: -0.015em;
}

.navbar-brand .brand-mark {
  height: 52px;
  width: auto;
  flex-shrink: 0;
}

.brand-heimish { color: var(--gold); margin-left: 0.18em; }

.navbar-links {
  display: flex;
  gap: 0.25rem;
  margin-left: auto;
}

.nav-link {
  padding: 0.5rem 1rem;
  border-radius: var(--r-sm);
  font-weight: 500;
  font-size: 0.95rem;
  color: var(--navy);
  transition: var(--trans);
}

.nav-link:hover { background: var(--beige); color: var(--text); }
.nav-link.active { background: var(--beige); color: var(--navy); font-weight: 700; }

.navbar-cta {
  background: var(--navy);
  color: #fff;
  padding: 0.5rem 1.3rem;
  border-radius: var(--r-sm);
  font-weight: 700;
  font-size: 0.9rem;
  transition: var(--trans);
  white-space: nowrap;
}
.navbar-cta:hover { background: var(--navy-deep); }

/* Mobile menu toggle */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.menu-toggle span {
  width: 22px;
  height: 2px;
  background: #333;
  border-radius: 2px;
  transition: var(--trans);
}

.menu-toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.menu-toggle.open span:nth-child(2) { opacity: 0; }
.menu-toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ── Page container ──────────────────────────────────────────────────────── */
.page { flex: 1; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* ── Section shared ──────────────────────────────────────────────────────── */
.section {
  padding: 5rem 1.5rem;
}

.section-header {
  text-align: center;
  margin-bottom: 3.5rem;
}

.section-title {
  font-size: clamp(1.6rem, 3.5vw, 2.3rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-soft);
  max-width: 540px;
  margin: 0 auto;
  line-height: 1.8;
}

/* ── Hero (Home) — dark navy variant ─────────────────────────────────────── */
.hero {
  background: linear-gradient(150deg, var(--navy-deep) 0%, var(--navy-mid) 55%, #152d5e 100%);
  text-align: center;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  padding: 4rem 1.5rem;
  position: relative;
  overflow: hidden;
}

/* Radial gold glow and subtle dot grid */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 55% at 50% -10%, rgba(200,155,60,0.18) 0%, transparent 65%),
    radial-gradient(ellipse 30% 40% at 85% 85%, rgba(200,155,60,0.08) 0%, transparent 60%);
  pointer-events: none;
}

.hero > * { position: relative; }

.hero-eyebrow {
  display: inline-block;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.25rem;
  padding: 0.35rem 1rem;
  background: rgba(200,155,60,0.12);
  border: 1px solid rgba(200,155,60,0.25);
  border-radius: var(--r-pill);
  animation: fadeUp 0.55s 0.05s ease both;
}

.hero h1 {
  font-size: clamp(2.2rem, 5.5vw, 3.8rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  letter-spacing: -0.025em;
  margin-bottom: 1.4rem;
  animation: fadeUp 0.55s 0.15s ease both;
}

.hero h1 .accent { color: var(--gold); }

.hero-sub {
  font-size: clamp(1rem, 2.2vw, 1.15rem);
  color: rgba(255,255,255,0.68);
  max-width: 570px;
  margin: 0 auto 2.75rem;
  line-height: 1.9;
  animation: fadeUp 0.55s 0.25s ease both;
}

.hero-buttons {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
  animation: fadeUp 0.55s 0.35s ease both;
}

/* ── Rates ticker ─────────────────────────────────────────────────────────── */
.rates-ticker {
  position: sticky;
  top: 0;
  z-index: 99;
  width: 100%;
  overflow: hidden;
  background: var(--gold);
  border-bottom: 2px solid var(--gold-dark);
  white-space: nowrap;
  padding: 1rem 0;
  box-shadow: 0 2px 10px rgba(200,155,60,0.35);
}

.rates-ticker__track {
  display: inline-block;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--navy);
  letter-spacing: 0.06em;
  animation: ticker-scroll 55s linear infinite;
}

@keyframes ticker-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* ── Stats bar (inside hero, glass card) ─────────────────────────────────── */
.stats-bar {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  max-width: 680px;
  margin: 4rem auto 0;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  border-bottom: none;
  border-radius: var(--r-xl) var(--r-xl) 0 0;
  backdrop-filter: blur(12px);
  animation: fadeUp 0.55s 0.45s ease both;
}

.stat-item {
  padding: 1.75rem 1rem;
  text-align: center;
  border-right: 1px solid rgba(255,255,255,0.1);
}
.stat-item:last-child { border-right: none; }

.stat-number {
  font-size: 2.1rem;
  font-weight: 800;
  color: var(--gold);
  line-height: 1.1;
  letter-spacing: -0.02em;
}

.stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  margin-top: 0.35rem;
  letter-spacing: 0.025em;
}

/* ── Featured deals grid ─────────────────────────────────────────────────── */
.deals-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 1.5rem;
  max-width: 1200px;
  margin: 0 auto;
}

/* ── Deal card ───────────────────────────────────────────────────────────── */
.deal-card {
  background: #fff;
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: var(--trans);
  display: flex;
  flex-direction: column;
}

.deal-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-5px);
  border-color: transparent;
}

.card-image {
  width: 100%;
  height: 200px;
  object-fit: cover;
  background: var(--beige);
  transition: transform 0.4s var(--ease);
}

.deal-card:hover .card-image {
  transform: scale(1.04);
}

.card-body {
  padding: 1.35rem;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
  flex: 1;
}

.card-badges {
  display: flex;
  gap: 0.4rem;
  flex-wrap: wrap;
}

.badge {
  font-size: 0.73rem;
  font-weight: 700;
  padding: 0.22rem 0.65rem;
  border-radius: var(--r-pill);
  letter-spacing: 0.02em;
}

.badge-location { background: var(--beige); color: var(--navy); }
.badge-type     { background: var(--gold-glow); color: #7A5C18; }

.card-title {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--text);
  line-height: 1.35;
  letter-spacing: -0.01em;
}

.card-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.5rem;
}

.card-stat {
  background: var(--warm-white);
  border-radius: var(--r-sm);
  padding: 0.65rem 0.75rem;
  text-align: center;
  border: 1px solid var(--border);
}

.card-stat-label {
  font-size: 0.68rem;
  color: #999;
  font-weight: 500;
  margin-bottom: 0.18rem;
  letter-spacing: 0.02em;
}

.card-stat-value {
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--text);
}

.card-stat-value.profit { color: var(--green); }

.card-footer {
  display: flex;
  gap: 0.5rem;
  margin-top: auto;
  padding-top: 0.5rem;
}

.card-footer .btn {
  flex: 1;
  padding: 0.65rem;
  font-size: 0.85rem;
}

/* ── Risk badges ─────────────────────────────────────────────────────────── */
.risk-badge {
  font-size: 0.76rem;
  font-weight: 700;
  padding: 0.18rem 0.55rem;
  border-radius: var(--r-sm);
  display: inline-block;
  letter-spacing: 0.02em;
}

.risk-low    { background: #D4EDDA; color: #1B5E35; }
.risk-medium { background: #FFF3CD; color: #7A5000; }
.risk-high   { background: #FDDCDC; color: #7A1C1C; }

/* ── Sale status badges ──────────────────────────────────────────────────── */
.sale-status-badge {
  display: inline-flex;
  align-items: center;
  padding: 0.35rem 0.9rem;
  border-radius: var(--r-pill);
  font-size: 0.8rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
}
.sale-status-available { background: #D4EDDA; color: #1B5E35; }
.sale-status-contract  { background: #FFF3CD; color: #7A5000; }
.sale-status-sold      { background: #FDDCDC; color: #7A1C1C; }

/* ── Steps / How it works ────────────────────────────────────────────────── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
  max-width: 1000px;
  margin: 0 auto;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.9rem 2rem;
  max-width: 900px;
  margin: 0 auto;
  padding: 0 1rem;
}

@media (max-width: 640px) {
  .services-grid { grid-template-columns: 1fr; }
}

.service-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.8rem 1rem;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  font-size: 0.96rem;
  color: var(--navy);
  font-weight: 500;
  box-shadow: var(--shadow-sm);
  transition: var(--trans);
}

.service-item:hover {
  border-color: rgba(200,155,60,0.4);
  transform: translateY(-1px);
}

.service-mark {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: #fff;
  font-weight: 800;
  font-size: 0.82rem;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 2px 6px rgba(200,155,60,0.3);
}

.services-tagline {
  text-align: center;
  margin-top: 2rem;
  font-size: 1.02rem;
  color: var(--text-mid);
  font-style: italic;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
  padding: 0 1rem;
}

.step-card {
  text-align: center;
  padding: 2.25rem 1.5rem;
  background: #fff;
  border-radius: var(--r-xl);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: var(--trans);
  position: relative;
  overflow: hidden;
}

.step-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-dark));
  transform: scaleX(0);
  transition: transform 0.3s var(--ease);
}

.step-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: rgba(200,155,60,0.3);
}

.step-card:hover::after { transform: scaleX(1); }

.step-icon {
  width: 60px;
  height: 60px;
  border-radius: var(--r-md);
  background: linear-gradient(135deg, var(--beige), var(--gold));
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--navy);
  box-shadow: 0 4px 12px rgba(200,155,60,0.25);
}

.step-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.5rem;
  letter-spacing: -0.01em;
}

.step-text {
  font-size: 0.9rem;
  color: var(--text-soft);
  line-height: 1.7;
}

/* ── CTA band ────────────────────────────────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-deep) 100%);
  color: #fff;
  text-align: center;
  padding: 5rem 1.5rem;
  position: relative;
  overflow: hidden;
}

.cta-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 50% 50%, rgba(200,155,60,0.1) 0%, transparent 70%);
  pointer-events: none;
}

.cta-band > * { position: relative; }

.cta-band h2 {
  font-size: clamp(1.5rem, 3.5vw, 2.2rem);
  font-weight: 800;
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}

.cta-band p {
  font-size: 1.05rem;
  opacity: 0.78;
  max-width: 480px;
  margin: 0 auto 2.25rem;
  line-height: 1.8;
}

.cta-band .btn-gold {
  font-size: 1.05rem;
  padding: 0.95rem 2.5rem;
}

/* ── Deal detail page ────────────────────────────────────────────────────── */
.deal-hero {
  background: linear-gradient(160deg, var(--warm-white), var(--beige));
  padding: 2.5rem 1.5rem 3rem;
}

.deal-hero-inner {
  max-width: 1000px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: center;
}

.deal-hero-media {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.deal-hero-image {
  width: 100%;
  height: 320px;
  object-fit: cover;
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-lg);
  transition: opacity 0.2s ease;
}

.deal-gallery {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
}

.deal-gallery-thumb {
  width: 72px;
  height: 52px;
  object-fit: cover;
  border-radius: var(--r-sm);
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--trans);
  opacity: 0.65;
}

.deal-gallery-thumb:hover { opacity: 1; }
.deal-gallery-thumb.active { border-color: var(--gold); opacity: 1; }

.deal-hero-info h1 {
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 0.75rem;
  letter-spacing: -0.02em;
}

.deal-hero-meta {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  margin-bottom: 1.25rem;
}

.deal-hero-desc {
  font-size: 1rem;
  color: var(--text-mid);
  line-height: 1.85;
  margin-bottom: 1.5rem;
}

.deal-hero-buttons {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

/* Deal detail sections */
.deal-details {
  padding: 3rem 1.5rem;
  max-width: 1000px;
  margin: 0 auto;
}

.detail-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-bottom: 2rem;
}

.detail-box {
  background: #fff;
  border-radius: var(--r-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
}

.detail-box h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 1rem;
  padding-bottom: 0.5rem;
  border-bottom: 2px solid var(--beige);
  letter-spacing: -0.01em;
}

.detail-row {
  display: flex;
  justify-content: space-between;
  padding: 0.55rem 0;
  border-bottom: 1px solid rgba(0,0,0,0.04);
}

.detail-row:last-child { border-bottom: none; }

.detail-label {
  font-size: 0.9rem;
  color: var(--text-soft);
}

.detail-value {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text);
}

.detail-value.highlight { color: var(--green); font-size: 1.05rem; }

/* ── About page ──────────────────────────────────────────────────────────── */
.about-hero {
  background: linear-gradient(160deg, var(--warm-white), var(--beige));
  text-align: center;
  padding: 5rem 1.5rem 4rem;
}

.about-hero h1 {
  font-size: clamp(1.9rem, 4.5vw, 2.8rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 1rem;
  letter-spacing: -0.025em;
}

.about-hero p {
  font-size: 1.1rem;
  color: var(--text-mid);
  max-width: 580px;
  margin: 0 auto;
  line-height: 1.9;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  max-width: 1000px;
  margin: 0 auto;
}

.value-card {
  background: #fff;
  border-radius: var(--r-xl);
  padding: 2.25rem 1.75rem;
  text-align: center;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: var(--trans);
}

.value-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-3px);
  border-color: rgba(200,155,60,0.3);
}

.value-icon {
  width: 64px;
  height: 64px;
  border-radius: var(--r-md);
  background: linear-gradient(135deg, var(--beige), var(--gold));
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  font-size: 1.75rem;
  box-shadow: 0 4px 12px rgba(200,155,60,0.2);
}

.value-card h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.5rem;
  letter-spacing: -0.01em;
}

.value-card p {
  font-size: 0.9rem;
  color: var(--text-soft);
  line-height: 1.75;
}

/* Timeline */
.timeline {
  max-width: 680px;
  margin: 0 auto;
  position: relative;
  padding-left: 1rem;
}

.timeline::before {
  content: '';
  position: absolute;
  left: 30px;
  top: 0;
  bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--gold), rgba(200,155,60,0.2));
}

.timeline-item {
  display: flex;
  gap: 1.5rem;
  align-items: flex-start;
  margin-bottom: 2.25rem;
  position: relative;
}

.timeline-dot {
  width: 44px;
  height: 44px;
  min-width: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.95rem;
  z-index: 1;
  box-shadow: 0 0 0 4px var(--beige-2);
}

.timeline-content h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.3rem;
  letter-spacing: -0.01em;
}

.timeline-content p {
  font-size: 0.9rem;
  color: var(--text-soft);
  line-height: 1.75;
}

/* ── Contact page ────────────────────────────────────────────────────────── */
.contact-hero {
  background: linear-gradient(160deg, var(--warm-white), var(--beige));
  text-align: center;
  padding: 5rem 1.5rem 4rem;
}

.contact-hero h1 {
  font-size: clamp(1.9rem, 4.5vw, 2.8rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 0.75rem;
  letter-spacing: -0.025em;
}

.contact-hero p {
  font-size: 1.05rem;
  color: var(--text-mid);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  max-width: 900px;
  margin: 0 auto;
}

.contact-form {
  background: #fff;
  border-radius: var(--r-xl);
  padding: 2.25rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
}

.form-group { margin-bottom: 1.25rem; }

.form-group label {
  display: block;
  font-size: 0.88rem;
  font-weight: 600;
  color: #333;
  margin-bottom: 0.4rem;
  letter-spacing: 0.01em;
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid #E0E0E0;
  border-radius: var(--r-md);
  font-family: inherit;
  font-size: 0.95rem;
  background: var(--warm-white);
  transition: var(--trans);
  color: var(--text);
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(200,155,60,0.12);
}

.form-group textarea {
  resize: vertical;
  min-height: 120px;
}

.contact-info {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.contact-info-card {
  background: #fff;
  border-radius: var(--r-lg);
  padding: 1.35rem 1.5rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  display: flex;
  gap: 1rem;
  align-items: center;
  transition: var(--trans);
}

.contact-info-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
  border-color: rgba(200,155,60,0.3);
}

.contact-icon {
  width: 48px;
  height: 48px;
  min-width: 48px;
  border-radius: var(--r-md);
  background: linear-gradient(135deg, var(--beige), var(--gold));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
}

.contact-info-card h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 0.15rem;
}

.contact-info-card p {
  font-size: 0.85rem;
  color: var(--text-soft);
}

/* Success message */
.form-success {
  display: none;
  text-align: center;
  padding: 2rem;
}

.form-success.show { display: block; }

.form-success h3 {
  color: var(--green);
  font-size: 1.3rem;
  margin-bottom: 0.5rem;
}

.form-success p { color: var(--text-soft); }

/* ── Deals page filter ───────────────────────────────────────────────────── */
.filter-bar {
  display: flex;
  gap: 0.6rem;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 2.5rem;
}

.filter-btn {
  padding: 0.5rem 1.3rem;
  border-radius: var(--r-pill);
  border: 1.5px solid var(--border);
  background: #fff;
  font-family: inherit;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text-soft);
  cursor: pointer;
  transition: var(--trans);
}

.filter-btn:hover { border-color: var(--gold); color: var(--gold); }
.filter-btn.active { background: var(--navy); color: #fff; border-color: var(--navy); }

/* ── Breadcrumb ──────────────────────────────────────────────────────────── */
.breadcrumb {
  padding: 1.25rem 1.5rem 0;
  max-width: 1200px;
  margin: 0 auto;
  font-size: 0.85rem;
  color: #999;
}

.breadcrumb a { color: var(--navy); font-weight: 500; }
.breadcrumb a:hover { text-decoration: underline; }
.breadcrumb span { margin: 0 0.5rem; }

/* ── Empty state ─────────────────────────────────────────────────────────── */
.empty-state {
  text-align: center;
  padding: 4rem 1.5rem;
  color: #999;
}

.empty-state h3 {
  font-size: 1.2rem;
  color: var(--text-mid);
  margin-bottom: 0.5rem;
}

/* ── Footer ──────────────────────────────────────────────────────────────── */
.footer {
  background: var(--navy);
  color: var(--beige);
  margin-top: auto;
}

.footer-logo .brand-heimish { color: var(--gold); }

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 3rem 1.5rem 1.5rem;
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 2.5rem;
  align-items: start;
}

.footer-logo {
  font-size: 1.2rem;
  font-weight: 800;
  display: block;
  margin-bottom: 0.3rem;
  letter-spacing: -0.01em;
}

.footer-tagline {
  font-size: 0.85rem;
  color: var(--gold);
  font-style: italic;
  opacity: 0.85;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.footer-links a,
.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}

.footer-contact a {
  font-size: 0.88rem;
  opacity: 0.65;
  transition: opacity 0.15s;
}

.footer-links a:hover,
.footer-contact a:hover { opacity: 1; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  text-align: center;
  padding: 1.25rem 1.5rem;
  font-size: 0.8rem;
  opacity: 0.4;
}

/* ── Old site-header (kept for reference, hidden via no usage) ───────────── */
.site-header { display: none; }

/* ── Responsive ──────────────────────────────────────────────────────────── */
@media (max-width: 768px) {
  .menu-toggle { display: flex; }

  .navbar-links {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: #fff;
    flex-direction: column;
    padding: 0.5rem;
    border-bottom: 1px solid var(--border);
    box-shadow: 0 8px 24px rgba(0,0,0,0.08);
  }

  .navbar-links.open { display: flex; }
  .navbar-cta { display: none; }

  .stats-bar {
    grid-template-columns: 1fr;
    border-radius: var(--r-lg) var(--r-lg) 0 0;
    max-width: 360px;
  }

  .stat-item {
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,0.1);
    padding: 1.25rem 1rem;
  }

  .stat-item:last-child { border-bottom: none; }

  .deal-hero-inner { grid-template-columns: 1fr; }
  .deal-hero-image { height: 220px; }
  .detail-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 1.5rem; }
}

@media (max-width: 480px) {
  .hero { padding: 3rem 1.25rem; }
  .deals-grid { grid-template-columns: 1fr; }
  .card-stats { grid-template-columns: 1fr; }

  .hero h1 { font-size: 2rem; }
}

/* ── Investor Guide ──────────────────────────────────────────────────────── */
.guide-header {
  background: linear-gradient(150deg, var(--navy-deep) 0%, var(--navy) 60%, #152d5e 100%);
  text-align: center;
  padding: 5rem 1.5rem 4rem;
  position: relative;
}
.guide-header h1 {
  font-size: clamp(1.8rem, 4.5vw, 3rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.2;
  letter-spacing: -0.025em;
  margin-bottom: 1.25rem;
}
.guide-header-sub {
  font-size: 1rem;
  color: rgba(255,255,255,0.68);
  max-width: 580px;
  margin: 0 auto;
  line-height: 1.8;
}

.guide-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
  max-width: 1100px;
  margin: 0 auto;
}

.guide-card {
  background: #fff;
  border-radius: var(--r-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.guide-card-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 900;
  flex-shrink: 0;
}
.guide-icon-green { background: #D4EDDA; color: #1B5E35; }
.guide-icon-gold  { background: rgba(200,155,60,0.15); color: var(--gold-dark); }
.guide-icon-navy  { background: rgba(11,31,58,0.1); color: var(--navy); }

.guide-card-title {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.01em;
}

.guide-card-subhead {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: var(--text-soft);
  margin-top: 0.5rem;
}

.guide-card-body {
  font-size: 0.92rem;
  color: var(--text-mid);
  line-height: 1.65;
}

.guide-example {
  background: var(--beige-2);
  border-radius: var(--r-sm);
  padding: 0.9rem 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}

.guide-example-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.88rem;
  color: var(--text-mid);
}

.guide-example-total {
  border-top: 1px solid var(--border);
  padding-top: 0.4rem;
  margin-top: 0.2rem;
  font-weight: 800;
  color: var(--navy);
  font-size: 0.95rem;
}

.guide-example-block {
  max-width: 480px;
  margin: 2.5rem auto 0;
  background: var(--beige-2);
  border-radius: var(--r-lg);
  padding: 1.5rem;
  border: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.guide-example-label {
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--gold);
  margin-bottom: 0.25rem;
}

.guide-example-note {
  font-size: 0.85rem;
  color: var(--text-soft);
  line-height: 1.6;
  margin-top: 0.5rem;
  border-top: 1px solid var(--border);
  padding-top: 0.75rem;
}

.guide-roi-ranges {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-top: 0.25rem;
}

.guide-roi-row {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.88rem;
  color: var(--text-mid);
}

.guide-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.3rem;
  font-size: 0.88rem;
  color: var(--text-mid);
  padding-left: 0.25rem;
}

.guide-list li::before { content: '· '; color: var(--gold); font-weight: 800; }
.guide-list-check li::before { content: '✓ '; color: #2D7A4F; font-weight: 800; }

.guide-note {
  font-size: 0.82rem;
  color: var(--text-soft);
  font-style: italic;
  line-height: 1.55;
  padding-top: 0.5rem;
  border-top: 1px solid var(--border);
  margin-top: 0.25rem;
}

.guide-steps-list {
  list-style: none;
  max-width: 600px;
  margin: 0 auto;
  counter-reset: guide-steps;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.guide-steps-list li {
  counter-increment: guide-steps;
  display: flex;
  align-items: center;
  gap: 1rem;
  background: #fff;
  border-radius: var(--r-sm);
  padding: 0.85rem 1.25rem;
  border: 1px solid var(--border);
  font-weight: 600;
  font-size: 0.97rem;
  color: var(--navy);
}

.guide-steps-list li::before {
  content: counter(guide-steps);
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.78rem;
  font-weight: 800;
  flex-shrink: 0;
}

/* ── Feature list ────────────────────────────────────────────────────────── */
.feature-list {
  list-style: none;
  max-width: 640px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.feature-list li {
  padding: 0.7rem 1rem 0.7rem 2.75rem;
  background: var(--beige-2);
  border-radius: var(--r-sm);
  font-size: 0.97rem;
  font-weight: 500;
  position: relative;
}

.feature-list li::before {
  content: '✓';
  position: absolute;
  left: 1rem;
  color: var(--gold);
  font-weight: 800;
}

.feature-list--two-col {
  max-width: 860px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}

.feature-list--centered { text-align: center; }
.feature-list--centered li { text-align: left; }

.section-tagline {
  text-align: center;
  margin-top: 1.75rem;
  font-size: 1rem;
  font-weight: 600;
  color: var(--navy);
}

/* ── Investment options ──────────────────────────────────────────────────── */
.invest-options-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  max-width: 1100px;
  margin: 0 auto;
}

.invest-option {
  background: #fff;
  border-radius: var(--r-lg);
  padding: 1.75rem 1.5rem;
  box-shadow: var(--shadow-sm);
  border-top: 4px solid transparent;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.invest-option--low    { border-top-color: #2D7A4F; }
.invest-option--medium { border-top-color: var(--gold); }
.invest-option--high   { border-top-color: #DC2626; }

.invest-option-label {
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.invest-option--low    .invest-option-label { color: #2D7A4F; }
.invest-option--medium .invest-option-label { color: #7A5000; }
.invest-option--high   .invest-option-label { color: #DC2626; }

.invest-option-title {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--navy);
  letter-spacing: -0.01em;
}

.invest-option-sub {
  font-size: 0.88rem;
  color: var(--text-soft);
  line-height: 1.6;
}

.invest-option-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  flex: 1;
}

.invest-option-list li {
  font-size: 0.88rem;
  color: var(--text-mid);
  padding-left: 1.2rem;
  position: relative;
}

.invest-option-list li::before {
  content: '·';
  position: absolute;
  left: 0;
  font-weight: 800;
  color: var(--gold);
}

.invest-option-return {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--navy);
  margin-top: auto;
  padding-top: 0.75rem;
}

.invest-option-best {
  font-size: 0.83rem;
  color: var(--text-soft);
  line-height: 1.5;
  padding-top: 0.5rem;
  border-top: 1px solid var(--border);
}

/* ── Long-term section ───────────────────────────────────────────────────── */
.longterm-formula {
  text-align: center;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--gold);
  letter-spacing: -0.01em;
  margin-top: 0.5rem;
}

.longterm-sub {
  text-align: center;
  color: rgba(255,255,255,0.75);
  font-size: 1rem;
  margin-top: 0.75rem;
}

/* ── Lead / Get Access form ──────────────────────────────────────────────── */
.lead-form {
  max-width: 560px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  align-items: center;
}

.lead-form-fields {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 0.75rem;
  width: 100%;
}

.lead-input {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  font-size: 0.95rem;
  font-family: inherit;
  color: var(--text);
  background: #fff;
  transition: var(--trans);
}

.lead-input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(200,155,60,0.12);
}

.lead-msg {
  font-size: 0.9rem;
  font-weight: 600;
  min-height: 1.2em;
}

@media (max-width: 700px) {
  .invest-options-grid { grid-template-columns: 1fr; }
  .feature-list--two-col { grid-template-columns: 1fr; }
  .lead-form-fields { grid-template-columns: 1fr; }
}

/* ── Public login page ───────────────────────────────────────────────────── */
.pub-login-screen {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 100vh;
  padding: 6rem 1.5rem 4rem;
  background: linear-gradient(150deg, var(--navy-deep) 0%, var(--navy) 55%, var(--navy-mid) 100%);
  position: relative;
}

.pub-login-screen::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 70% 55% at 50% -10%, var(--gold-glow) 0%, transparent 65%);
  pointer-events: none;
}

.pub-login-card {
  background: #fff;
  border-radius: 20px;
  padding: 2.5rem 2.25rem;
  width: 100%;
  max-width: 440px;
  box-shadow: 0 8px 40px rgba(0,0,0,0.28);
  position: relative;
  z-index: 1;
}

.pub-login-brand {
  text-align: center;
  margin-bottom: 1.75rem;
}

.pub-login-brand h1 {
  font-size: 1.55rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--navy);
}

.pub-login-sub {
  margin-top: 0.35rem;
  color: var(--text-soft);
  font-size: 0.9rem;
}

.pub-login-tabs {
  display: flex;
  gap: 0.5rem;
  background: var(--beige-2);
  padding: 0.35rem;
  border-radius: 10px;
  margin-bottom: 1.5rem;
}

.pub-tab-btn {
  flex: 1;
  background: transparent;
  border: none;
  padding: 0.6rem 0.8rem;
  font: inherit;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-mid);
  border-radius: 7px;
  cursor: pointer;
  transition: var(--trans);
}

.pub-tab-btn:hover { color: var(--navy); }

.pub-tab-btn.active {
  background: #fff;
  color: var(--navy);
  box-shadow: 0 1px 3px rgba(0,0,0,0.08);
}

.pub-login-error {
  background: #FEF2F2;
  color: #B91C1C;
  border: 1px solid #FEE2E2;
  border-radius: 8px;
  padding: 0.7rem 0.9rem;
  font-size: 0.88rem;
  margin-bottom: 1rem;
}

.pub-login-form .form-group:last-of-type { margin-bottom: 1.5rem; }

.btn-google {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  width: 100%;
  padding: 0.7rem 1rem;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 10px;
  font: inherit;
  font-size: 0.95rem;
  font-weight: 600;
  color: #3c4043;
  cursor: pointer;
  transition: var(--trans);
  margin-bottom: 1.25rem;
}

.btn-google:hover {
  background: #f8f8f6;
  border-color: #d8d2c8;
  box-shadow: 0 1px 3px rgba(0,0,0,0.06);
}

.btn-google svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.pub-login-divider {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin: 0 0 1.25rem;
  color: var(--text-soft);
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.pub-login-divider::before,
.pub-login-divider::after {
  content: "";
  flex: 1;
  height: 1px;
  background: var(--border);
}

/* ── Mortgage calculator ─────────────────────────────────────────────────── */
.calc-hero {
  text-align: center;
  padding: 3.5rem 1.5rem 2rem;
  background: linear-gradient(160deg, var(--navy-deep) 0%, var(--navy-mid) 100%);
  color: #fff;
}

.calc-hero h1 {
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 800;
  letter-spacing: -0.025em;
  margin-bottom: 0.6rem;
}

.calc-hero h1 .accent { color: var(--gold); }

.calc-hero p {
  font-size: 1rem;
  color: rgba(255,255,255,0.68);
  max-width: 500px;
  margin: 0 auto;
}

.calc-card {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  max-width: 960px;
  margin: 0 auto;
  padding: 2.5rem 1.5rem;
}

.calc-panel {
  background: #fff;
  border-radius: var(--r-xl);
  padding: 2rem;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
}

.calc-panel-title {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-soft);
  margin-bottom: 1.5rem;
}

/* Loan type toggle */
.calc-toggle {
  display: flex;
  gap: 0;
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  overflow: hidden;
  margin-bottom: 1.5rem;
}

.calc-toggle-btn {
  flex: 1;
  padding: 0.6rem 0.75rem;
  font-family: inherit;
  font-size: 0.85rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  background: #fff;
  color: var(--text-mid);
  transition: var(--trans);
}

.calc-toggle-btn.active {
  background: var(--navy);
  color: #fff;
}

.calc-toggle-btn:not(.active):hover {
  background: var(--beige);
}

/* Input fields */
.calc-field {
  margin-bottom: 1.1rem;
}

.calc-field label {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-mid);
  margin-bottom: 0.4rem;
  letter-spacing: 0.02em;
}

.calc-field label span {
  font-weight: 400;
  color: var(--text-soft);
}

.calc-field input,
.calc-field select {
  width: 100%;
  padding: 0.65rem 0.9rem;
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  font-size: 0.92rem;
  font-family: inherit;
  color: var(--text);
  background: var(--warm-white);
  transition: var(--trans);
}

.calc-field input:focus,
.calc-field select:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(200,155,60,0.1);
  background: #fff;
}

/* Results */
.calc-output-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.65rem 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.9rem;
  color: var(--text-mid);
}

.calc-output-row:last-of-type { border-bottom: none; }

.calc-output-row strong {
  color: var(--text);
  font-weight: 700;
}

.calc-total {
  margin-top: 0.5rem;
  padding: 0.85rem 1rem;
  background: var(--beige-2);
  border-radius: var(--r-sm);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy);
}

.calc-total-value {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--navy);
}

.calc-cashflow {
  margin-top: 1rem;
  padding: 0.85rem 1rem;
  border-radius: var(--r-sm);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 700;
  font-size: 0.95rem;
  background: rgba(45,122,79,0.08);
  color: var(--green);
}

.calc-cashflow.negative {
  background: rgba(220,38,38,0.07);
  color: #DC2626;
}

.calc-cashflow-value {
  font-size: 1.15rem;
  font-weight: 800;
}

.calc-coc {
  margin-top: 0.6rem;
  text-align: right;
  font-size: 0.82rem;
  color: var(--text-soft);
}

.calc-cta-wrap {
  margin-top: 1.75rem;
  text-align: center;
}

.calc-disclaimer {
  max-width: 960px;
  margin: 0 auto 2rem;
  padding: 0 1.5rem;
  font-size: 0.8rem;
  color: var(--text-soft);
  text-align: center;
}

@media (max-width: 720px) {
  .calc-card {
    grid-template-columns: 1fr;
    padding: 1.5rem 1rem;
    gap: 1.25rem;
  }
}