/* ============================================================
   Agnes Mortgage — styles.css
   Navy + gold private-banking skin on the CSS-variable system.
   Recolor the whole site by editing :root only.
   ============================================================ */
:root{
  --bg:#F6F7FB;
  --surface:#FFFFFF;
  --ink:#101A2E;
  --muted:#5A6478;
  --line:#E3E7F0;

  --navy-900:#0B1830;
  --navy-800:#122548;
  --navy-700:#1A335F;
  --navy-600:#24427A;

  --gold-300:#EBD9A6;
  --gold-400:#DDBE72;
  --gold-500:#C9A24B;
  --gold-600:#AA8332;

  --grad-accent:linear-gradient(120deg,var(--gold-600),var(--gold-500) 45%,var(--gold-400));
  --grad-navy:linear-gradient(140deg,var(--navy-900),var(--navy-700));

  --radius:16px;
  --radius-sm:10px;
  --shadow:0 10px 30px rgba(11,24,48,.10);
  --shadow-lg:0 18px 50px rgba(11,24,48,.16);

  --font-display:"Playfair Display",Georgia,serif;
  --font-body:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;

  --container:1180px;
  --header-h:74px;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);background:var(--bg);color:var(--ink);line-height:1.65;font-size:16.5px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}
.container{max-width:var(--container);margin:0 auto;padding:0 24px}

h1,h2,h3,.display{font-family:var(--font-display);font-weight:600;line-height:1.18;letter-spacing:.2px}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem)}
h2{font-size:clamp(1.7rem,3.2vw,2.4rem)}
h3{font-size:1.28rem}
.accent-text{background:var(--grad-accent);-webkit-background-clip:text;background-clip:text;color:transparent}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-600);margin-bottom:14px}
.section{padding:88px 0}
.section-head{max-width:720px;margin:0 auto 52px;text-align:center}
.section-head p{color:var(--muted);margin-top:14px}

/* ---------- Header ---------- */
.site-header{position:fixed;inset:0 0 auto 0;height:var(--header-h);z-index:1000;background:rgba(255,255,255,.82);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid rgba(227,231,240,.8);transition:box-shadow .25s}
.site-header.scrolled{box-shadow:var(--shadow)}
.header-inner{max-width:var(--container);margin:0 auto;padding:0 24px;height:100%;display:flex;align-items:center;justify-content:space-between;gap:18px}
.brand{display:flex;align-items:center;gap:11px;font-family:var(--font-display);font-size:1.32rem;font-weight:700;color:var(--navy-800)}
.brand-mark{width:40px;height:40px;border-radius:10px;background:var(--grad-navy);color:var(--gold-400);display:grid;place-items:center;font-size:1rem;font-weight:700;font-family:var(--font-display);letter-spacing:.5px}
.brand small{display:block;font-family:var(--font-body);font-size:.62rem;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-600);line-height:1}

.main-nav{display:flex;align-items:center;gap:6px}
.main-nav>li{position:relative}
.main-nav a,.main-nav .drop-toggle{display:flex;align-items:center;gap:5px;padding:10px 13px;font-size:.92rem;font-weight:600;color:var(--ink);border-radius:9px;cursor:pointer;background:none;border:none;font-family:var(--font-body);transition:background .18s,color .18s}
.main-nav a:hover,.main-nav .drop-toggle:hover{background:rgba(201,162,75,.10);color:var(--navy-700)}
.main-nav a.active{color:var(--gold-600)}
.drop-toggle svg{transition:transform .2s}
.nav-drop{position:absolute;top:calc(100% + 10px);left:0;min-width:300px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);box-shadow:var(--shadow-lg);padding:10px;opacity:0;visibility:hidden;transform:translateY(8px);transition:all .22s;z-index:1001}
.nav-item-drop.open .nav-drop{opacity:1;visibility:visible;transform:translateY(0)}
.nav-item-drop.open .drop-toggle svg{transform:rotate(180deg)}
.nav-drop a{display:block;padding:10px 14px;border-radius:8px;font-weight:500}
.nav-drop a:hover{background:rgba(201,162,75,.10)}

.header-cta{display:flex;align-items:center;gap:10px}
.lang-switch{position:relative}
.lang-btn{display:flex;align-items:center;gap:7px;padding:8px 11px;border:1px solid var(--line);border-radius:9px;background:var(--surface);cursor:pointer;font-family:var(--font-body);font-size:.85rem;font-weight:600;color:var(--ink)}
.lang-menu{position:absolute;top:calc(100% + 8px);right:0;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);box-shadow:var(--shadow-lg);padding:6px;min-width:170px;opacity:0;visibility:hidden;transform:translateY(6px);transition:all .2s;z-index:1002}
.lang-switch.open .lang-menu{opacity:1;visibility:visible;transform:translateY(0)}
.lang-menu button{display:flex;align-items:center;gap:9px;width:100%;padding:9px 11px;border:none;background:none;border-radius:8px;cursor:pointer;font-family:var(--font-body);font-size:.88rem;font-weight:500;color:var(--ink);text-align:left}
.lang-menu button:hover{background:rgba(201,162,75,.10)}
.lang-menu button.active{background:rgba(26,51,95,.07);font-weight:700}
.flag{width:20px;height:14px;border-radius:2px;flex:0 0 auto}

.btn{display:inline-flex;align-items:center;gap:9px;padding:13px 24px;border-radius:11px;font-weight:700;font-size:.94rem;border:none;cursor:pointer;font-family:var(--font-body);transition:transform .15s,box-shadow .2s,background .2s}
.btn-primary{background:var(--grad-navy);color:#fff;box-shadow:0 8px 22px rgba(18,37,72,.28)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(18,37,72,.36)}
.btn-gold{background:var(--grad-accent);color:var(--navy-900);box-shadow:0 8px 22px rgba(201,162,75,.32)}
.btn-gold:hover{transform:translateY(-2px)}
.btn-ghost{background:transparent;border:1.5px solid rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-sm{padding:9px 16px;font-size:.86rem}

.nav-burger{display:none;background:none;border:none;cursor:pointer;padding:8px}
.nav-burger span{display:block;width:24px;height:2.5px;background:var(--navy-800);margin:5px 0;border-radius:2px;transition:all .25s}

/* ---------- Language gate ---------- */
.lang-gate{position:fixed;inset:0;z-index:3000;background:rgba(11,24,48,.92);backdrop-filter:blur(8px);display:grid;place-items:center;padding:24px}
.lang-gate-card{background:var(--surface);border-radius:20px;padding:44px 40px;max-width:460px;width:100%;text-align:center;box-shadow:var(--shadow-lg)}
.lang-gate-card h2{font-size:1.5rem;margin:14px 0 6px}
.lang-gate-card p{color:var(--muted);font-size:.92rem;margin-bottom:24px}
.lang-gate-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.lang-gate-grid button{display:flex;align-items:center;justify-content:center;gap:10px;padding:14px;border:1.5px solid var(--line);border-radius:12px;background:var(--surface);cursor:pointer;font-family:var(--font-body);font-size:.95rem;font-weight:600;color:var(--ink);transition:all .18s}
.lang-gate-grid button:hover{border-color:var(--gold-500);background:rgba(201,162,75,.07);transform:translateY(-2px)}
.lang-gate.hidden{display:none}

/* ---------- Hero ---------- */
.hero{position:relative;min-height:calc(100vh - 0px);display:flex;align-items:center;background:var(--grad-navy);color:#fff;overflow:hidden;padding:calc(var(--header-h) + 60px) 0 90px}
.hero-media{position:absolute;inset:0;z-index:0}
.hero-media video,.hero-media img{width:100%;height:100%;object-fit:cover;filter:saturate(.65)}
.hero-veil{position:absolute;inset:0;background:linear-gradient(150deg,rgba(11,24,48,.93) 20%,rgba(18,37,72,.82) 60%,rgba(26,51,95,.72));z-index:1}
.hero-inner{position:relative;z-index:2;max-width:var(--container);margin:0 auto;padding:0 24px;width:100%}
.hero-content{max-width:680px}
.hero .eyebrow{color:var(--gold-400)}
.hero h1{color:#fff;margin-bottom:20px}
.hero h1 .accent-text{background:linear-gradient(120deg,var(--gold-300),var(--gold-500));-webkit-background-clip:text;background-clip:text}
.hero p{color:rgba(255,255,255,.82);font-size:1.08rem;max-width:560px;margin-bottom:32px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-stats{display:flex;gap:40px;margin-top:56px;flex-wrap:wrap}
.hero-stat b{display:block;font-family:var(--font-display);font-size:1.9rem;color:var(--gold-400)}
.hero-stat span{font-size:.84rem;color:rgba(255,255,255,.7)}

/* ---------- Trust bar ---------- */
.trustbar{background:var(--navy-900);color:rgba(255,255,255,.75);padding:16px 0;font-size:.85rem}
.trustbar .container{display:flex;justify-content:center;gap:34px;flex-wrap:wrap;align-items:center}
.trustbar span{display:flex;align-items:center;gap:8px}
.trustbar svg{color:var(--gold-500)}

/* ---------- Cards / grids ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);transition:transform .22s,box-shadow .22s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.card-img{aspect-ratio:16/10;overflow:hidden;background:var(--navy-900)}
.card-img img{width:100%;height:100%;object-fit:cover;transition:transform .4s}
.card:hover .card-img img{transform:scale(1.05)}
.card-body{padding:26px;display:flex;flex-direction:column;gap:12px;flex:1}
.card-body p{color:var(--muted);font-size:.94rem;flex:1}
.card-link{color:var(--gold-600);font-weight:700;font-size:.9rem;display:inline-flex;align-items:center;gap:6px}
.card-link:hover{gap:10px}
.card-link{transition:gap .2s}

/* ---------- Split sections ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split-img{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/5;max-height:560px;background:var(--bg)}
.split-img img{width:100%;height:100%;object-fit:cover;object-position:center 20%}
.split-body .eyebrow{margin-bottom:10px}
.split-body h2{margin-bottom:16px}
.split-body p{color:var(--muted);margin-bottom:14px}
.check-list li{display:flex;gap:12px;align-items:flex-start;padding:8px 0;color:var(--ink);font-size:.96rem}
.check-list svg{flex:0 0 auto;margin-top:4px;color:var(--gold-600)}

/* ---------- Steps ---------- */
.steps{counter-reset:step}
.step{position:relative;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px 26px;box-shadow:var(--shadow)}
.step-num{width:46px;height:46px;border-radius:12px;background:var(--grad-accent);color:var(--navy-900);display:grid;place-items:center;font-family:var(--font-display);font-weight:700;font-size:1.25rem;margin-bottom:16px}
.step h3{margin-bottom:8px}
.step p{color:var(--muted);font-size:.93rem}

/* ---------- Dark band / CTA ---------- */
.band-dark{background:var(--grad-navy);color:#fff;border-radius:24px;padding:64px 56px;position:relative;overflow:hidden}
.band-dark::after{content:"";position:absolute;right:-120px;top:-120px;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,75,.28),transparent 65%)}
.band-dark h2{color:#fff;margin-bottom:12px}
.band-dark p{color:rgba(255,255,255,.78);max-width:560px;margin-bottom:26px}
.band-dark .btn{position:relative;z-index:1}

/* ---------- Marquee ---------- */
.marquee-section{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line);overflow:hidden}
.marquee-wrap{overflow:hidden;position:relative;padding:14px 0}
.marquee-track{display:flex;gap:22px;width:max-content;animation:marquee 220s linear infinite}
.marquee-wrap:hover .marquee-track{animation-play-state:paused}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.review-card{width:340px;flex:0 0 auto;background:var(--bg);border:1px solid var(--line);border-radius:var(--radius-sm);padding:22px}
.review-stars{color:var(--gold-500);letter-spacing:2px;margin-bottom:10px;font-size:.9rem}
.review-card p{font-size:.88rem;color:var(--ink);margin-bottom:12px}
.review-card b{font-size:.84rem;color:var(--muted);font-weight:600}

/* ---------- FAQ ---------- */
.faq-item{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:12px;overflow:hidden}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 24px;background:none;border:none;cursor:pointer;font-family:var(--font-body);font-size:1rem;font-weight:600;color:var(--ink);text-align:left}
.faq-q svg{flex:0 0 auto;transition:transform .25s;color:var(--gold-600)}
.faq-item.open .faq-q svg{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-a p{padding:0 24px 20px;color:var(--muted);font-size:.94rem}

/* ---------- Adviser / bio ---------- */
.adviser-card{display:grid;grid-template-columns:380px 1fr;gap:48px;align-items:start;background:var(--surface);border:1px solid var(--line);border-radius:24px;padding:44px;box-shadow:var(--shadow)}
.adviser-photo{border-radius:18px;overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/5;background:var(--bg)}
.adviser-photo img{width:100%;height:100%;object-fit:cover;object-position:center 20%}
.badge-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.badge{display:inline-flex;align-items:center;gap:7px;padding:7px 13px;border-radius:999px;background:rgba(201,162,75,.12);color:var(--gold-600);font-size:.8rem;font-weight:700}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:48px;align-items:start}
.contact-info-card{background:var(--grad-navy);color:#fff;border-radius:var(--radius);padding:38px;position:sticky;top:calc(var(--header-h) + 24px)}
.contact-info-card h3{color:#fff;margin-bottom:18px}
.contact-line{display:flex;gap:14px;align-items:flex-start;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.contact-line:last-of-type{border-bottom:none}
.contact-line svg{color:var(--gold-400);flex:0 0 auto;margin-top:3px}
.contact-line b{display:block;font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:rgba(255,255,255,.6);margin-bottom:2px}
.contact-line a,.contact-line span{color:#fff;font-size:.98rem}
.wa-btn{display:inline-flex;align-items:center;gap:10px;margin-top:22px;padding:13px 22px;border-radius:11px;background:#1EBE5D;color:#fff;font-weight:700;font-size:.92rem;transition:transform .15s}
.wa-btn:hover{transform:translateY(-2px)}

.form-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:38px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-field{display:flex;flex-direction:column;gap:6px}
.form-field.full{grid-column:1/-1}
.form-field label{font-size:.84rem;font-weight:700;color:var(--navy-800)}
.form-field input,.form-field select,.form-field textarea{padding:13px 15px;border:1.5px solid var(--line);border-radius:10px;font-family:var(--font-body);font-size:.94rem;background:var(--bg);color:var(--ink);transition:border-color .18s}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:none;border-color:var(--gold-500)}
.form-consent{display:flex;gap:10px;align-items:flex-start;font-size:.82rem;color:var(--muted);grid-column:1/-1}
.form-consent input{margin-top:3px}
.hp-field{position:absolute;left:-9999px;opacity:0}
.form-status{grid-column:1/-1;font-size:.9rem;font-weight:600;display:none}
.form-status.ok{display:block;color:#1B7F4B}
.form-status.err{display:block;color:#B4232C}

/* ---------- Page hero (subpages) ---------- */
.page-hero{background:var(--grad-navy);color:#fff;padding:calc(var(--header-h) + 72px) 0 72px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-140px;bottom:-160px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,75,.22),transparent 65%)}
.page-hero .breadcrumb{display:flex;gap:8px;align-items:center;font-size:.84rem;color:rgba(255,255,255,.65);margin-bottom:18px;position:relative;z-index:1}
.page-hero .breadcrumb a:hover{color:var(--gold-400)}
.page-hero h1{color:#fff;max-width:760px;position:relative;z-index:1}
.page-hero p{color:rgba(255,255,255,.8);max-width:640px;margin-top:16px;position:relative;z-index:1}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-900);color:rgba(255,255,255,.72);padding:70px 0 0;margin-top:88px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px}
.footer-brand{font-family:var(--font-display);font-size:1.3rem;color:#fff;display:flex;align-items:center;gap:10px;margin-bottom:14px}
.footer-grid p{font-size:.88rem}
.footer-title{font-size:.8rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-400);margin-bottom:16px}
.footer-grid ul li{margin-bottom:9px}
.footer-grid ul a{font-size:.9rem;color:rgba(255,255,255,.72);transition:color .18s}
.footer-grid ul a:hover{color:var(--gold-400)}
.footer-legal{border-top:1px solid rgba(255,255,255,.1);padding:26px 0 36px;font-size:.78rem;color:rgba(255,255,255,.55);line-height:1.7}
.footer-legal .risk{display:block;margin-top:14px;font-weight:700;letter-spacing:.04em;color:rgba(255,255,255,.75);text-transform:uppercase}

/* ---------- Reveal ---------- */
.reveal-item{opacity:0;transform:translateY(26px);transition:opacity .6s ease,transform .6s ease}
.reveal-item.revealed{opacity:1;transform:none}

/* ---------- 404 ---------- */
.notfound{min-height:100vh;display:grid;place-items:center;background:var(--grad-navy);color:#fff;text-align:center;padding:24px}
.notfound h1{font-size:clamp(4rem,12vw,7rem);background:var(--grad-accent);-webkit-background-clip:text;background-clip:text;color:transparent}

/* ---------- Blog ---------- */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.post-meta{font-size:.82rem;color:var(--muted)}
.post-body{max-width:780px;margin:0 auto}
.post-body h2{margin:38px 0 14px}
.post-body h3{margin:28px 0 10px}
.post-body p{color:var(--ink);margin-bottom:16px}
.post-body ul{list-style:disc;padding-left:22px;margin-bottom:16px;color:var(--ink)}
.post-body img{border-radius:var(--radius);margin:26px 0}
.post-hero-img{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-lg);margin:-46px auto 40px;max-width:900px;position:relative;z-index:2}

/* ---------- Responsive ---------- */
@media(max-width:1024px){
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1fr;gap:36px}
  .adviser-card{grid-template-columns:1fr;padding:30px}
  .adviser-photo{max-width:340px;margin:0 auto}
  .contact-grid{grid-template-columns:1fr}
  .contact-info-card{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:820px){
  .main-nav{position:fixed;top:var(--header-h);right:0;bottom:0;width:min(340px,86vw);background:var(--surface);flex-direction:column;align-items:stretch;gap:2px;padding:22px;box-shadow:var(--shadow-lg);transform:translateX(100%);transition:transform .3s;overflow-y:auto}
  .main-nav.open{transform:translateX(0)}
  .main-nav a,.main-nav .drop-toggle{padding:13px 14px;width:100%;justify-content:space-between}
  .nav-drop{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:none;padding:0 0 0 14px;display:none;min-width:0}
  .nav-item-drop.open .nav-drop{display:block}
  .nav-burger{display:block}
  .nav-burger.open span:nth-child(1){transform:translateY(7.5px) rotate(45deg)}
  .nav-burger.open span:nth-child(2){opacity:0}
  .nav-burger.open span:nth-child(3){transform:translateY(-7.5px) rotate(-45deg)}
  .header-cta .btn{display:none}
}
@media(max-width:640px){
  .section{padding:64px 0}
  .grid-3,.grid-2,.blog-grid,.form-grid{grid-template-columns:1fr}
  .band-dark{padding:44px 28px}
  .hero-stats{gap:24px}
  .footer-grid{grid-template-columns:1fr}
  .lang-gate-grid{grid-template-columns:1fr}
}
@media(max-width:720px){
  .hero-media video{display:none}
}

/* ---------- Calculators ---------- */
.calc-tabs{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-bottom:40px}
.calc-tab{padding:12px 20px;border:1.5px solid var(--line);border-radius:11px;background:var(--surface);cursor:pointer;font-family:var(--font-body);font-size:.9rem;font-weight:700;color:var(--muted);transition:all .18s}
.calc-tab:hover{border-color:var(--gold-500);color:var(--navy-800)}
.calc-tab.active{background:var(--grad-navy);border-color:var(--navy-800);color:#fff}
.calc-panel{display:none}
.calc-panel.active{display:block}
.calc-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:start}
.calc-inputs{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:32px;box-shadow:var(--shadow)}
.calc-field{margin-bottom:24px}
.calc-field:last-child{margin-bottom:0}
.calc-field>label{display:flex;justify-content:space-between;align-items:baseline;font-size:.86rem;font-weight:700;color:var(--navy-800);margin-bottom:10px}
.calc-field>label output{font-family:var(--font-display);font-size:1.05rem;color:var(--gold-600)}
.calc-field input[type=number]{width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:10px;font-family:var(--font-body);font-size:1rem;background:var(--bg);color:var(--ink)}
.calc-field input[type=number]:focus{outline:none;border-color:var(--gold-500)}
.calc-field input[type=range]{width:100%;-webkit-appearance:none;appearance:none;height:6px;border-radius:3px;background:linear-gradient(to right,var(--gold-500) 0%,var(--gold-500) var(--fill,50%),var(--line) var(--fill,50%),var(--line) 100%);outline:none;margin-top:4px}
.calc-field input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--grad-navy);border:3px solid var(--gold-400);cursor:pointer;box-shadow:0 2px 8px rgba(11,24,48,.3)}
.calc-field input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--navy-800);border:3px solid var(--gold-400);cursor:pointer}
.calc-seg{display:flex;gap:8px;flex-wrap:wrap}
.calc-seg button{flex:1;min-width:110px;padding:11px 10px;border:1.5px solid var(--line);border-radius:10px;background:var(--bg);cursor:pointer;font-family:var(--font-body);font-size:.82rem;font-weight:600;color:var(--muted);transition:all .15s}
.calc-seg button.active{background:rgba(201,162,75,.14);border-color:var(--gold-500);color:var(--navy-800)}
.calc-result{background:var(--grad-navy);color:#fff;border-radius:var(--radius);padding:34px;position:sticky;top:calc(var(--header-h) + 24px);overflow:hidden}
.calc-result::after{content:"";position:absolute;right:-90px;top:-90px;width:260px;height:260px;border-radius:50%;background:radial-gradient(circle,rgba(201,162,75,.25),transparent 65%)}
.calc-result h3{color:rgba(255,255,255,.75);font-family:var(--font-body);font-size:.8rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;margin-bottom:8px}
.calc-big{font-family:var(--font-display);font-size:clamp(2rem,4vw,2.9rem);font-weight:700;background:linear-gradient(120deg,var(--gold-300),var(--gold-500));-webkit-background-clip:text;background-clip:text;color:transparent;line-height:1.1;margin-bottom:20px;position:relative;z-index:1}
.calc-rows{position:relative;z-index:1}
.calc-row{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:.92rem}
.calc-row:last-child{border-bottom:none}
.calc-row span{color:rgba(255,255,255,.68)}
.calc-row b{color:#fff;font-weight:700;white-space:nowrap}
.calc-note{font-size:.76rem;color:rgba(255,255,255,.5);margin-top:18px;position:relative;z-index:1}
.calc-cta{margin-top:22px;position:relative;z-index:1}
@media(max-width:900px){.calc-grid{grid-template-columns:1fr}.calc-result{position:static}}