/* Shalev Cohen – insurance & finance. RTL-first, logical properties throughout. */
:root {
  --ink: #0f2438;
  --ink-2: #183552;
  --ink-soft: #3b5168;
  --gold: #d4a64a;
  --gold-deep: #9c7424;
  --paper: #f6f3ec;
  --white: #ffffff;
  --line: #e2dccf;
  --text: #1d2a36;
  --muted: #55616d;
  --wa: #1f9d55;
  --wa-deep: #17804a;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow: 0 1px 2px rgba(15, 36, 56, .06), 0 8px 24px rgba(15, 36, 56, .08);
  --shadow-lg: 0 2px 4px rgba(15, 36, 56, .06), 0 20px 50px rgba(15, 36, 56, .14);
  --font-body: "Assistant", "Segoe UI", Arial, sans-serif;
  --font-heading: "Rubik", "Assistant", Arial, sans-serif;
  --wrap: 1180px;
  --ease: cubic-bezier(.2, .7, .2, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 88px; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--text);
  background: var(--white);
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--ink-2); text-underline-offset: 3px; }
a:hover { color: var(--gold-deep); }
h1, h2, h3 { font-family: var(--font-heading); color: var(--ink); line-height: 1.2; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2.1rem, 1.4rem + 3vw, 3.4rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 1.2rem + 1.6vw, 2.3rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 600; }
p { margin: 0 0 1em; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 6px; }

.wrap { width: min(var(--wrap), 100% - 2.5rem); margin-inline: auto; }
.wrap--narrow { width: min(820px, 100% - 2.5rem); }

.skip {
  position: absolute; inset-inline-start: 1rem; top: -100px; z-index: 100;
  background: var(--ink); color: var(--white); padding: .75rem 1.1rem; border-radius: 10px; text-decoration: none;
}
.skip:focus { top: 1rem; }

/* --- Buttons --- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  min-height: 48px; padding: .7rem 1.35rem; border-radius: 999px; border: 2px solid transparent;
  font: 600 1rem/1.2 var(--font-body); text-decoration: none; cursor: pointer;
  transition: transform .2s var(--ease), background-color .2s, box-shadow .2s, color .2s;
}
.btn:hover { transform: translateY(-1px); }
.btn--lg { min-height: 54px; padding-inline: 1.6rem; font-size: 1.05rem; }
.btn--block { width: 100%; }
.btn--gold { background: var(--gold); color: var(--ink); box-shadow: 0 6px 18px rgba(212, 166, 74, .35); }
.btn--gold:hover { background: #ddb35d; color: var(--ink); }
.btn--wa { background: var(--wa); color: var(--white); box-shadow: 0 6px 18px rgba(31, 157, 85, .28); }
.btn--wa:hover { background: var(--wa-deep); color: var(--white); }
.btn--ghost { border-color: var(--ink); color: var(--ink); background: transparent; }
.btn--ghost:hover { background: var(--ink); color: var(--white); }
.btn--ghost-light { border-color: rgba(255, 255, 255, .55); color: var(--white); background: transparent; }
.btn--ghost-light:hover { background: var(--white); color: var(--ink); }
.ico { width: 1.25em; height: 1.25em; flex: none; }
.ico--sm { width: 1em; height: 1em; }
.ico--xl { width: 64px; height: 64px; }
.ico--tick { color: var(--gold-deep); margin-top: .3em; }

/* --- Header --- */
.hdr { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .94); backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line); }
.hdr__in { display: flex; align-items: center; gap: 1.25rem; min-height: 76px; }
.brand { display: flex; align-items: center; gap: .65rem; text-decoration: none; color: var(--ink); margin-inline-end: auto; }
.brand__mark { width: 40px; height: 40px; }
.brand__text { display: flex; flex-direction: column; line-height: 1.1; }
.brand__name { font: 700 1.3rem/1.1 var(--font-heading); }
.brand__role { font-size: .86rem; color: var(--muted); font-weight: 600; }
.nav { display: flex; align-items: center; gap: 1rem; }
.nav__list { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: .25rem; }
.nav__list > li > a, .nav__group summary {
  display: flex; align-items: center; min-height: 44px; padding: .4rem .75rem; border-radius: 10px;
  color: var(--ink); font-weight: 600; text-decoration: none; cursor: pointer; list-style: none;
}
.nav__group summary::-webkit-details-marker { display: none; }
.nav__group summary::after { content: ""; width: .45em; height: .45em; margin-inline-start: .45em; border: solid currentColor; border-width: 0 0 2px 2px; transform: translateY(-2px) rotate(-45deg); transition: transform .2s; }
.nav__group details[open] summary::after { transform: translateY(2px) rotate(135deg); }
.nav__list > li > a:hover, .nav__group summary:hover, .nav__list a[aria-current="page"] { background: var(--paper); color: var(--ink); }
.nav__group { position: relative; }
.nav__menu { list-style: none; margin: 0; padding: .5rem; }
.nav__menu a { display: block; padding: .55rem .8rem; border-radius: 8px; color: var(--ink); text-decoration: none; font-weight: 500; white-space: nowrap; }
.nav__menu a:hover, .nav__menu a[aria-current="page"] { background: var(--paper); }
.nav-toggle { display: none; }

@media (min-width: 1081px) {
  .nav__group .nav__menu {
    position: absolute; inset-inline-start: 0; top: calc(100% + .4rem); min-width: 240px;
    background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-lg);
  }
}
@media (max-width: 1080px) {
  /* backdrop-filter would make the header the containing block of the fixed menu */
  .hdr { backdrop-filter: none; background: var(--white); }
  .nav-toggle {
    display: inline-flex; align-items: center; gap: .55rem; min-height: 44px; padding: .4rem .9rem;
    border: 1px solid var(--line); border-radius: 999px; background: var(--white); color: var(--ink); font: 600 1rem var(--font-body); cursor: pointer;
  }
  .nav-toggle__bars, .nav-toggle__bars::before, .nav-toggle__bars::after { display: block; width: 18px; height: 2px; background: currentColor; border-radius: 2px; position: relative; transition: transform .2s, opacity .2s; }
  .nav-toggle__bars::before, .nav-toggle__bars::after { content: ""; position: absolute; inset-inline-start: 0; }
  .nav-toggle__bars::before { top: -6px; }
  .nav-toggle__bars::after { top: 6px; }
  .nav-toggle[aria-expanded="true"] .nav-toggle__bars { background: transparent; }
  .nav-toggle[aria-expanded="true"] .nav-toggle__bars::before { transform: translateY(6px) rotate(45deg); }
  .nav-toggle[aria-expanded="true"] .nav-toggle__bars::after { transform: translateY(-6px) rotate(-45deg); }
  .nav {
    position: fixed; inset: 76px 0 0 0; z-index: 49; display: none; flex-direction: column; align-items: stretch; gap: 1rem;
    padding: 1rem 1.25rem 2rem; background: var(--white); overflow-y: auto; border-top: 1px solid var(--line);
  }
  .nav.is-open { display: flex; }
  .nav__list { flex-direction: column; align-items: stretch; }
  .nav__list > li > a, .nav__group summary { font-size: 1.1rem; min-height: 52px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav__menu { padding: 0 1rem .5rem 0; }
  .nav__cta { align-self: stretch; }
}

/* --- Sections --- */
.band { padding-block: clamp(3.5rem, 2rem + 5vw, 6rem); }
.band--paper { background: var(--paper); }
.band--ink { background: var(--ink); color: #dfe6ee; }
.band--ink h2, .band--ink h3 { color: var(--white); }
.eyebrow { font: 700 .82rem/1 var(--font-heading); letter-spacing: .06em; color: var(--gold-deep); margin-bottom: .9rem; }
.eyebrow--gold { color: var(--gold); }
.section-lead { font-size: 1.15rem; color: var(--muted); max-width: 62ch; }
.lead-light { font-size: 1.15rem; color: #c9d4df; }

/* --- Hero --- */
.hero {
  position: relative; overflow: hidden; padding-block: clamp(2.5rem, 1rem + 5vw, 5.5rem);
  background:
    radial-gradient(900px 420px at 0% 0%, rgba(212, 166, 74, .16), transparent 60%),
    radial-gradient(700px 500px at 100% 100%, rgba(24, 53, 82, .08), transparent 60%),
    linear-gradient(180deg, #fbf9f4, var(--white));
}
.hero__grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(2rem, 4vw, 4.5rem); align-items: center; }
.hl { color: var(--gold-deep); background: linear-gradient(transparent 62%, rgba(212, 166, 74, .28) 62%); }
.hero__lead { font-size: 1.22rem; color: var(--ink-soft); max-width: 56ch; margin-bottom: 1.6rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin-bottom: 1.6rem; }
.hero__points { list-style: none; padding: 0; margin: 0; display: grid; gap: .45rem; color: var(--ink-soft); font-weight: 600; }
.hero__points li { display: flex; gap: .55rem; }
.hero__photo { margin: 0; position: relative; }
.hero__photo::before {
  content: ""; position: absolute; inset: 1.4rem -1.4rem -1.4rem 1.4rem; border-radius: var(--radius-lg);
  border: 2px solid var(--gold); z-index: 0;
}
.hero__photo img { position: relative; z-index: 1; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); aspect-ratio: 4 / 5; object-fit: cover; width: 100%; }
.hero__photo figcaption {
  position: absolute; z-index: 2; inset-block-end: 1.2rem; inset-inline-start: -1.2rem;
  background: var(--white); border-radius: var(--radius); padding: .8rem 1.1rem; box-shadow: var(--shadow);
  display: flex; flex-direction: column; line-height: 1.3;
}
.hero__photo figcaption strong { font-family: var(--font-heading); color: var(--ink); font-size: 1.1rem; }
.hero__photo figcaption span { color: var(--muted); font-size: .92rem; }

/* --- Cards --- */
.group + .group { margin-top: 2.5rem; }
.group__title { font-size: 1.05rem; color: var(--ink-soft); border-bottom: 2px solid var(--line); padding-bottom: .5rem; margin: 2rem 0 1.2rem; }
.cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(196px, 1fr)); gap: 1rem; }
.cards--two { grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.card {
  display: flex; flex-direction: column; gap: .6rem; padding: 1.4rem; background: var(--white);
  border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; color: var(--text);
  transition: transform .25s var(--ease), box-shadow .25s, border-color .25s;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: rgba(212, 166, 74, .6); color: var(--text); }
.card__icon { width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center; background: rgba(212, 166, 74, .14); color: var(--gold-deep); }
.card__title { font: 600 1.15rem/1.3 var(--font-heading); color: var(--ink); }
.card__text { color: var(--muted); font-size: .98rem; display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; }
.card__more { margin-top: auto; display: inline-flex; align-items: center; gap: .35rem; font-weight: 700; color: var(--gold-deep); font-size: .95rem; }

/* --- Steps --- */
.steps { list-style: none; padding: 0; margin: 1.5rem 0 0; display: grid; gap: 1.2rem; }
.steps--row { grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.steps li { display: flex; gap: 1rem; align-items: flex-start; }
.steps--row li { flex-direction: column; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.5rem; }
.steps__n { flex: none; width: 44px; height: 44px; border-radius: 50%; background: var(--ink); color: var(--gold); display: grid; place-items: center; font: 700 1.15rem var(--font-heading); }
.steps h3 { margin-bottom: .3rem; }
.steps p { margin: 0; color: var(--muted); }

/* --- Page hero (inner pages) --- */
.page-hero { padding-block: clamp(2rem, 1rem + 3vw, 3.75rem) clamp(2rem, 1rem + 3vw, 3.5rem); background: linear-gradient(180deg, #fbf9f4, var(--white)); border-bottom: 1px solid var(--line); }
.page-hero__grid { display: grid; grid-template-columns: 1fr auto; gap: 2rem; align-items: center; }
.page-hero__icon { width: 128px; height: 128px; border-radius: 32px; display: grid; place-items: center; background: var(--ink); color: var(--gold); box-shadow: var(--shadow-lg); }
.crumbs { display: flex; flex-wrap: wrap; gap: .45rem; font-size: .92rem; color: var(--muted); margin-bottom: 1.25rem; }
.crumbs a { color: var(--muted); }
.answer { font-size: 1.2rem; line-height: 1.75; color: var(--ink-soft); max-width: 68ch; border-inline-start: 4px solid var(--gold); padding-inline-start: 1.1rem; margin-bottom: 1.6rem; }

/* --- Prose --- */
.prose-section + .prose-section { margin-top: 2.6rem; }
.prose p { color: var(--text); }
.ticks { list-style: none; padding: 0; margin: 0; display: grid; gap: .7rem; }
.ticks li { display: flex; gap: .65rem; align-items: flex-start; background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: .8rem 1rem; }

/* --- FAQ --- */
.faq { display: grid; gap: .75rem; }
.faq__item { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); transition: box-shadow .2s, border-color .2s; }
.faq__item[open] { box-shadow: var(--shadow); border-color: rgba(212, 166, 74, .55); }
.faq__item summary { cursor: pointer; list-style: none; padding: 1.05rem 1.25rem; font: 600 1.08rem/1.45 var(--font-heading); color: var(--ink); display: flex; gap: 1rem; justify-content: space-between; align-items: center; min-height: 52px; }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary::after { content: "+"; flex: none; width: 30px; height: 30px; border-radius: 50%; background: var(--paper); color: var(--gold-deep); display: grid; place-items: center; font: 600 1.3rem/1 var(--font-body); transition: transform .2s; }
.faq__item[open] summary::after { transform: rotate(45deg); }
.faq__item p { padding: 0 1.25rem 1.2rem; margin: 0; color: var(--muted); }
.faq-topic + .faq-topic { margin-top: 2.5rem; }
.faq-topic h2 { font-size: 1.4rem; }

/* --- About --- */
.about-teaser { display: grid; grid-template-columns: 300px 1fr; gap: clamp(2rem, 4vw, 4rem); align-items: center; }
.about-teaser img { border-radius: var(--radius-lg); aspect-ratio: 1; object-fit: cover; object-position: top; box-shadow: var(--shadow); }
.about-hero { display: grid; grid-template-columns: 1fr 320px; gap: clamp(2rem, 4vw, 4rem); align-items: center; }
.about-hero__photo { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); aspect-ratio: 4 / 5; object-fit: cover; }

/* --- Contact --- */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 4vw, 4.5rem); align-items: center; }
.contact-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.5rem; }
.lead-form { position: relative; overflow: hidden; background: var(--white); color: var(--text); border-radius: var(--radius-lg); padding: clamp(1.4rem, 3vw, 2.2rem); box-shadow: var(--shadow-lg); display: grid; gap: 1rem; }
.field { display: grid; gap: .35rem; font-weight: 600; color: var(--ink); }
.field input, .field textarea {
  width: 100%; min-height: 48px; padding: .7rem .9rem; border: 1.5px solid var(--line); border-radius: 12px;
  font: 400 1.02rem/1.5 var(--font-body); color: var(--text); background: #fdfcf9; transition: border-color .2s, box-shadow .2s;
}
.field textarea { resize: vertical; }
.field input:focus, .field textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 4px rgba(212, 166, 74, .2); }
.field input[dir="ltr"] { text-align: right; }
.form-status { margin: 0; font-weight: 600; color: var(--wa-deep); min-height: 1.5em; }
.form-note { margin: 0; font-size: .85rem; color: var(--muted); }
.contact-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 1rem; max-width: 560px; }
.contact-card { display: flex; flex-direction: column; gap: .3rem; padding: 1.3rem; border-radius: var(--radius); border: 1px solid var(--line); background: var(--white); text-decoration: none; color: var(--muted); transition: box-shadow .2s, transform .2s; }
.contact-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); color: var(--muted); }
.contact-card .ico { width: 30px; height: 30px; color: var(--wa); }
.contact-card__t { font: 600 1.15rem var(--font-heading); color: var(--ink); }

/* --- Footer --- */
.ftr { background: #0b1b2b; color: #b9c6d3; padding-block: 3.5rem 1.5rem; font-size: .98rem; }
.ftr a { color: #dfe7ef; text-decoration: none; }
.ftr a:hover { color: var(--gold); text-decoration: underline; }
.ftr__grid { display: grid; grid-template-columns: 1.4fr repeat(4, 1fr); gap: 2rem; }
.ftr__name { font: 700 1.2rem var(--font-heading); color: var(--white); margin-bottom: .3rem; }
.ftr__h { font: 700 .95rem var(--font-heading); color: var(--gold); margin-bottom: .7rem; }
.ftr ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .45rem; }
.ftr__brand p { margin: 0 0 .35rem; }
.ftr__legal { margin-top: 2.5rem; padding-top: 1.25rem; border-top: 1px solid rgba(255, 255, 255, .12); font-size: .86rem; color: #8fa0b2; }
.ftr__legal p { margin: 0 0 .4rem; }

/* --- WhatsApp float --- */
.wa-float {
  position: fixed; z-index: 40; inset-block-end: 1.25rem; inset-inline-end: 1.25rem;
  width: 60px; height: 60px; border-radius: 50%; background: var(--wa); color: var(--white);
  display: grid; place-items: center; box-shadow: 0 10px 28px rgba(31, 157, 85, .4); transition: transform .2s var(--ease), background-color .2s;
}
.wa-float:hover { transform: scale(1.06); background: var(--wa-deep); color: var(--white); }
.wa-float .ico { width: 30px; height: 30px; }

/* --- Two columns: travel insurance + all insurers --- */
.duo { display: grid; grid-template-columns: 1fr 1fr; gap: 1.4rem; margin-top: 1.5rem; }
.duo__card { display: flex; flex-direction: column; gap: .8rem; padding: clamp(1.4rem, 3vw, 2rem); background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.duo__card h3 { font-size: 1.35rem; margin: 0; }
.duo__card p { margin: 0; color: var(--muted); }
.duo__actions { display: flex; flex-wrap: wrap; gap: .7rem; margin-top: auto; padding-top: .6rem; }
.ticks--compact { gap: .45rem; }
.ticks--compact li { background: transparent; border: 0; padding: 0; }

/* --- About --- */
.fact-row { display: flex; flex-wrap: wrap; gap: .8rem; }
.fact { display: inline-flex; align-items: baseline; gap: .4rem; padding: .55rem 1rem; border-radius: 999px; background: var(--white); border: 1px solid var(--line); color: var(--ink-soft); font-weight: 600; }
.fact strong { font: 700 1.25rem var(--font-heading); color: var(--gold-deep); }
.spec { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.spec__card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.3rem; display: grid; gap: .5rem; }
.spec__card h3 { margin: 0; }
.spec__card p { margin: 0; color: var(--muted); }
.audience { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1rem; }
.audience__item { background: var(--white); border-inline-start: 4px solid var(--gold); border-radius: 12px; padding: 1rem 1.2rem; }
.audience__item h3 { margin: 0 0 .25rem; font-size: 1.1rem; }
.audience__item p { margin: 0; color: var(--muted); }
.license-card { display: flex; gap: 1rem; align-items: flex-start; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.3rem; }
.license-card__title { font: 600 1.1rem/1.5 var(--font-heading); color: var(--ink); margin: 0 0 .35rem; }
.license-card__text { margin: 0; color: var(--muted); }
.license-line { font-size: .95rem; color: var(--ink-soft); font-weight: 600; }
.note { margin-top: 2.4rem; padding: 1rem 1.2rem; border-radius: 12px; background: rgba(212, 166, 74, .12); border: 1px solid rgba(212, 166, 74, .35); color: var(--ink-soft); font-size: .98rem; }
.ftr__license { color: #d8c79c; font-size: .92rem; }
@media (max-width: 960px) { .duo, .spec { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .audience { grid-template-columns: 1fr; } .duo__actions .btn { width: 100%; } }

/* --- Compound interest calculator --- */
.band--calc { background: linear-gradient(180deg, #eef2f6, #f8f6f1); }
.calc { display: grid; grid-template-columns: 1fr 1.1fr; gap: clamp(1.5rem, 3vw, 2.5rem); margin-top: 1.8rem; align-items: start; }
.calc__inputs { display: grid; gap: 1.1rem; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(1.2rem, 3vw, 1.8rem); box-shadow: var(--shadow); }
.calc__field label { display: block; font-weight: 700; color: var(--ink); margin-bottom: .35rem; }
.calc__control { display: grid; grid-template-columns: 1fr 150px; gap: .9rem; align-items: center; }
.calc__control input[type="range"] { width: 100%; accent-color: var(--gold-deep); height: 28px; }
.calc__num { display: flex; align-items: center; border: 1.5px solid var(--line); border-radius: 10px; background: #fdfcf9; padding-inline: .6rem; }
.calc__num:focus-within { border-color: var(--gold); box-shadow: 0 0 0 4px rgba(212, 166, 74, .2); }
.calc__num input { width: 100%; min-height: 44px; border: 0; background: transparent; font: 600 1rem var(--font-body); color: var(--ink); text-align: right; }
.calc__num input:focus { outline: none; }
.calc__unit { color: var(--muted); font-weight: 600; font-size: .92rem; white-space: nowrap; }
.calc__results { background: var(--ink); color: #dfe6ee; border-radius: var(--radius-lg); padding: clamp(1.3rem, 3vw, 2rem); box-shadow: var(--shadow-lg); display: grid; gap: 1.1rem; }
.calc__total { display: grid; gap: .2rem; }
.calc__total span { color: #b9c6d3; font-weight: 600; }
.calc__total strong { font: 700 clamp(2rem, 1.4rem + 2.4vw, 2.9rem)/1.1 var(--font-heading); color: var(--gold); }
.calc__stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: .8rem; margin: 0; }
.calc__stats div { background: rgba(255, 255, 255, .06); border-radius: 12px; padding: .75rem .85rem; }
.calc__stats dt { font-size: .86rem; color: #b9c6d3; }
.calc__stats dd { margin: .2rem 0 0; font: 700 1.12rem var(--font-heading); color: var(--white); }
.calc__fee dd { color: #f3b8a8; }
.calc__chart { direction: ltr; display: flex; align-items: flex-end; gap: 3px; height: 170px; padding: .5rem; border-radius: 12px; background: rgba(255, 255, 255, .04); }
.calc__bar { flex: 1; height: 100%; display: flex; flex-direction: column; justify-content: flex-end; min-width: 3px; }
.calc__bar-dep { background: #5d7a96; border-radius: 0 0 3px 3px; }
.calc__bar-gain { background: var(--gold); border-radius: 3px 3px 0 0; }
.calc__legend { display: flex; gap: 1.2rem; font-size: .88rem; color: #b9c6d3; }
.calc__key::before { content: ""; display: inline-block; width: 12px; height: 12px; border-radius: 3px; margin-inline-end: .4rem; vertical-align: -1px; }
.calc__key--dep::before { background: #5d7a96; }
.calc__key--gain::before { background: var(--gold); }
.calc__note { margin: 0; font-size: .84rem; color: #9fb0c2; }
.calc__results .btn { justify-self: start; }
@media (max-width: 960px) { .calc { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .calc__control { grid-template-columns: 1fr; } .calc__stats { grid-template-columns: 1fr; } .calc__results .btn { width: 100%; } }

/* --- Responsive --- */
@media (max-width: 960px) {
  .hero__grid, .contact-grid, .about-hero { grid-template-columns: 1fr; }
  .hero__photo { max-width: 320px; width: 100%; margin-inline: auto; }
  .hero__photo::before { inset: 1rem -1rem -1rem 1rem; }
  .about-hero__photo { max-width: 300px; }
  .steps--row { grid-template-columns: 1fr; }
  .about-teaser { grid-template-columns: 1fr; }
  .about-teaser img { max-width: 280px; }
  .ftr__grid { grid-template-columns: 1fr 1fr; }
  .page-hero__icon { display: none; }
  .page-hero__grid { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  body { font-size: 1rem; }
  .hero-actions .btn, .contact-actions .btn { width: 100%; }
  .ftr__grid { grid-template-columns: 1fr; }
  .hero__photo figcaption { inset-inline-start: .5rem; }
  .wa-float { width: 56px; height: 56px; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; scroll-behavior: auto !important; }
}