:root {
    --cream: #f5f1ea;
    --cream-2: #ebe5d8;
    --paper: #fbf8f2;
    --ink: #1a1410;
    --ink-2: #5a4f43;
    --orange: #c2410c;
    --mustard: #d97706;
    --amber: #f59e0b;
    --olive: #4d7c0f;
    --clay: #991b1b;
    --sky: #0369a1;
    --plum: #4c1d95;
    --line: rgba(26, 20, 16, .14);
    --radius: 28px;
    --shadow: 0 24px 60px -28px rgba(26, 20, 16, .45);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
    margin: 0;
    background: var(--cream);
    color: var(--ink);
    font-family: 'DM Sans', system-ui, sans-serif;
    font-size: 1.02rem;
    line-height: 1.7;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5 {
    font-family: 'Fraunces', 'DM Sans', serif;
    font-weight: 900;
    letter-spacing: -.02em;
    line-height: 1.05;
    margin: 0;
}

p { margin: 0 0 1rem; }
a { text-decoration: none; color: inherit; }
img { max-width: 100%; }

.container { max-width: 1240px; padding-inline: 24px; }

/* ============ BUTTONS ============ */
.btn-sun {
    display: inline-flex;
    align-items: center;
    gap: .65rem;
    border: none;
    cursor: pointer;
    background: linear-gradient(120deg, var(--orange), var(--mustard));
    color: #2b1a10;
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 1rem;
    padding: 1rem 1.8rem;
    border-radius: 14px;
    transition: .3s;
    box-shadow: 0 14px 30px -14px rgba(194, 65, 12, .7);
}
.btn-sun:hover { transform: translateY(-3px); filter: saturate(1.12); }
.btn-sun.big { font-size: 1.15rem; padding: 1.2rem 2.4rem; border-radius: 18px; }

.btn-line {
    display: inline-flex;
    align-items: center;
    gap: .6rem;
    border: 1.5px solid var(--ink);
    padding: .95rem 1.6rem;
    border-radius: 14px;
    font-weight: 700;
    transition: .3s;
    background: transparent;
    color: var(--ink);
}
.btn-line:hover { background: var(--ink); color: var(--cream); }

.kicker {
    display: inline-flex;
    align-items: center;
    gap: .55rem;
    font-family: 'DM Mono', monospace;
    font-size: .72rem;
    letter-spacing: .26em;
    text-transform: uppercase;
    color: var(--clay);
    margin-bottom: 1.4rem;
}
.kicker::before { content: ""; width: 28px; height: 2px; background: var(--clay); }
.kicker.light { color: var(--amber); }
.kicker.light::before { background: var(--amber); }

.sec-head { max-width: 780px; margin-bottom: 60px; }
.sec-head.center { margin-inline: auto; text-align: center; }
.sec-head h2 { font-size: clamp(2rem, 4.6vw, 3.4rem); }
.sec-head .sub { margin-top: 1.1rem; color: var(--ink-2); }
.sec-head.light h2 { color: var(--cream); }
.sec-head.light .sub { color: rgba(245, 241, 234, .75); }

/* ============ NAV ============ */
.nav {
    position: fixed;
    inset: 0 0 auto;
    z-index: 900;
    padding: 16px 0;
    transition: .3s;
}
.nav.scrolled {
    background: rgba(251, 248, 242, .92);
    backdrop-filter: blur(14px);
    box-shadow: 0 12px 32px -24px rgba(26, 20, 16, .5);
    padding: 10px 0;
}
.nav-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.brand {
    display: flex;
    align-items: center;
    gap: .65rem;
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 1.2rem;
}
.brand b { color: var(--orange); }
.brand.light { color: var(--cream); }
.brand-mark {
    width: 30px;
    height: 30px;
    border-radius: 9px 9px 9px 22px;
    background: linear-gradient(135deg, var(--mustard), var(--clay));
    display: grid;
    place-items: center;
    color: #fff;
    font-size: .8rem;
}
.nav-toggle { background: none; border: none; font-size: 1.4rem; color: var(--ink); }
.nav-links {
    display: flex;
    align-items: center;
    gap: 1.7rem;
    list-style: none;
    margin: 0;
    padding: 14px 0 0;
    flex-wrap: wrap;
}
@media(min-width:992px) { .nav-links { padding: 0; } }
.nav-links a { font-size: .95rem; font-weight: 500; color: var(--ink-2); transition: .2s; }
.nav-links a:hover, .nav-links a.active { color: var(--orange); }
.nav-cta {
    background: var(--ink);
    color: var(--cream) !important;
    padding: .65rem 1.2rem;
    border-radius: 999px;
    font-weight: 700;
}
.nav-cta:hover { background: var(--orange); color: #fff !important; }

/* ============ HERO ============ */
.hero {
    position: relative;
    padding: 140px 0 0;
    overflow: hidden;
    background:
        radial-gradient(circle at 90% 8%, rgba(245, 158, 11, .28), transparent 42%),
        radial-gradient(circle at 12% 88%, rgba(194, 65, 12, .14), transparent 50%),
        var(--cream);
}
.hero-grid {
    display: grid;
    grid-template-columns: 1.3fr .7fr;
    gap: 60px;
    align-items: end;
    padding-bottom: 70px;
}
@media(max-width:991px) { .hero-grid { grid-template-columns: 1fr; gap: 40px; } }

.pill-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: .55rem;
    font-family: 'DM Mono', monospace;
    font-size: .72rem;
    letter-spacing: .24em;
    text-transform: uppercase;
    background: var(--ink);
    color: var(--cream);
    padding: .5rem 1.1rem;
    border-radius: 4px;
    margin-bottom: 1.6rem;
}
.pill-eyebrow i { color: var(--amber); }

.hero h1 {
    font-size: clamp(2rem, 4vw, 4rem);
    letter-spacing: -.035em;
    line-height: 1;
}
.hero h1 em {
    font-style: italic;
    font-family: 'Fraunces', serif;
    background: linear-gradient(100deg, var(--orange), var(--amber));
    -webkit-background-clip: text;
    background-clip: text;
    color: transparent;
}

.lede { font-size: 1.15rem; color: var(--ink-2); max-width: 580px; margin-top: 1.4rem; }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin: 2rem 0 2.4rem; }
.hero-meta { display: flex; gap: 36px; flex-wrap: wrap; border-top: 1px solid var(--line); padding-top: 1.4rem; }
.hero-meta b { display: block; font-family: 'Fraunces', serif; font-size: 1.8rem; font-weight: 900; }
.hero-meta span {
    font-family: 'DM Mono', monospace;
    font-size: .74rem;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--ink-2);
}

.hero-stack { position: relative; min-height: 460px; }
.hero-card {
    position: absolute;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 22px;
    padding: 1.4rem;
    box-shadow: var(--shadow);
}
.hero-card.c1 { top: 0; right: 8%; width: 240px; background: var(--ink); color: var(--cream); transform: rotate(-3deg); }
.hero-card.c1 .tag { color: var(--amber); font-family: 'DM Mono', monospace; font-size: .68rem; letter-spacing: .2em; text-transform: uppercase; }
.hero-card.c1 b { font-family: 'Fraunces', serif; font-size: 2rem; }
.hero-card.c2 { bottom: 18%; left: 0; width: 220px; background: linear-gradient(140deg, var(--amber), var(--mustard)); color: #2b1a10; transform: rotate(2deg); }
.hero-card.c2 i { font-size: 1.6rem; }
.hero-card.c2 b { font-family: 'Fraunces', serif; font-size: 1.4rem; display: block; }
.hero-card.c3 { bottom: 0; right: 0; width: 200px; background: var(--paper); transform: rotate(-1.5deg); }
.hero-card.c3 .row { display: flex; gap: .6rem; align-items: center; }
.hero-card.c3 .row i { color: var(--olive); }
.hero-card.c3 small { font-family: 'DM Mono', monospace; font-size: .68rem; color: var(--ink-2); }
.hero-card.c3 b { font-family: 'Fraunces', serif; font-size: 1.15rem; }

@keyframes float1 { 50% { transform: rotate(-3deg) translateY(-12px); } }
@keyframes float2 { 50% { transform: rotate(2deg) translateY(-10px); } }
@keyframes float3 { 50% { transform: rotate(-1.5deg) translateY(-14px); } }
.hero-card.c1 { animation: float1 7s ease-in-out infinite; }
.hero-card.c2 { animation: float2 8s ease-in-out infinite; }
.hero-card.c3 { animation: float3 6.5s ease-in-out infinite; }

/* ticker */
.ticker {
    background: var(--ink);
    color: var(--cream);
    overflow: hidden;
    padding: .8rem 0;
    border-block: 1px solid rgba(245, 241, 234, .1);
}
.ticker-track {
    display: flex;
    gap: 2.2rem;
    white-space: nowrap;
    animation: slide 36s linear infinite;
    font-family: 'DM Mono', monospace;
    font-size: .82rem;
    letter-spacing: .18em;
    text-transform: uppercase;
}
.ticker-track span:nth-child(even) { color: var(--amber); }
@keyframes slide { to { transform: translateX(-50%); } }

/* ============ ABOUT ============ */
.about { padding: 120px 0; }
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
@media(max-width:991px) { .about-grid { grid-template-columns: 1fr; gap: 48px; } }
.about-copy h2 { font-size: clamp(2rem, 3.8vw, 3rem); margin-bottom: 1.4rem; }
.about-copy p { color: var(--ink-2); }

.note-stack { display: grid; gap: 0; }
.note {
    display: grid;
    grid-template-columns: 80px 1fr;
    gap: 22px;
    align-items: start;
    padding: 1.6rem 0;
    border-bottom: 1px dashed var(--line);
}
.note:last-child { border-bottom: none; }
.note-num {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 2.6rem;
    color: transparent;
    -webkit-text-stroke: 1.5px var(--orange);
    line-height: 1;
}
.note-body h4 { font-size: 1.2rem; margin-bottom: .35rem; }
.note-body p { font-size: .94rem; color: var(--ink-2); margin: 0; }

.about-visual {
    position: relative;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 32px;
    padding: 2.4rem;
    box-shadow: var(--shadow);
}
.about-visual::before {
    content: "";
    position: absolute;
    top: -22px;
    left: -22px;
    width: 90px;
    height: 90px;
    border-radius: 50%;
    background: linear-gradient(140deg, var(--amber), var(--mustard));
    opacity: .9;
}
.about-visual h3 { font-size: 1.7rem; margin-bottom: 1rem; position: relative; }
.about-visual ul { list-style: none; padding: 0; margin: 1rem 0 0; display: grid; gap: .7rem; }
.about-visual li { display: flex; gap: .7rem; align-items: flex-start; font-weight: 500; font-size: .96rem; }
.about-visual li i {
    color: #fff;
    background: var(--olive);
    width: 22px;
    height: 22px;
    border-radius: 6px;
    display: grid;
    place-items: center;
    font-size: .66rem;
    flex: none;
    margin-top: 5px;
}

/* ============ PILLARS ============ */
.pillars {
    background: var(--ink);
    color: var(--cream);
    padding: 120px 0;
    border-radius: 48px 48px 0 0;
    position: relative;
    overflow: hidden;
}
.pillars::before {
    content: "";
    position: absolute;
    top: -100px;
    right: -120px;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(245, 158, 11, .18), transparent 70%);
}
.pillar-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; position: relative; }
@media(max-width:991px) { .pillar-grid { grid-template-columns: repeat(2, 1fr); } }
@media(max-width:575px) { .pillar-grid { grid-template-columns: 1fr; } }

.pillar {
    position: relative;
    background: rgba(255, 255, 255, .04);
    border: 1px solid rgba(245, 241, 234, .14);
    border-radius: 22px;
    padding: 2rem 1.7rem;
    transition: .35s;
    overflow: hidden;
}
.pillar.feat {
    grid-row: span 2;
    background: linear-gradient(150deg, var(--orange), var(--clay));
    border-color: transparent;
}
@media(max-width:991px) { .pillar.feat { grid-row: auto; } }
.pillar:hover { transform: translateY(-6px); background: rgba(255, 255, 255, .09); }
.pillar.feat:hover { filter: brightness(1.08); }

.pillar-icon {
    width: 54px;
    height: 54px;
    border-radius: 14px;
    background: rgba(245, 158, 11, .14);
    color: var(--amber);
    display: grid;
    place-items: center;
    font-size: 1.35rem;
    margin-bottom: 1.2rem;
}
.pillar.feat .pillar-icon { background: rgba(255, 255, 255, .18); color: #fff; }
.pillar h4 { font-size: 1.2rem; margin-bottom: .55rem; }
.pillar p { font-size: .92rem; opacity: .85; margin: 0; }
.pillar-tag {
    position: absolute;
    top: 1.3rem;
    right: 1.3rem;
    font-family: 'DM Mono', monospace;
    font-size: .68rem;
    color: var(--amber);
    letter-spacing: .14em;
}

/* ============ SERVICES ============ */
.services { padding: 120px 0; }
.cat-block { margin-bottom: 110px; }
.cat-block:last-child { margin-bottom: 0; }
.cat-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; margin-bottom: 42px; flex-wrap: wrap; }
.cat-head-left { display: flex; align-items: center; gap: 22px; }
.cat-num {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 3rem;
    color: transparent;
    -webkit-text-stroke: 1.5px var(--orange);
    line-height: .8;
}
.cat-head h3 { font-size: clamp(1.6rem, 3vw, 2.2rem); }
.cat-head .cat-sub { font-family: 'DM Mono', monospace; font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; color: var(--ink-2); }
.cat-tag {
    background: var(--ink);
    color: var(--cream);
    padding: .5rem 1.1rem;
    border-radius: 999px;
    font-family: 'DM Mono', monospace;
    font-size: .7rem;
    letter-spacing: .14em;
    text-transform: uppercase;
}

/* Loans */
.loan-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media(max-width:991px) { .loan-grid { grid-template-columns: repeat(2, 1fr); } }
@media(max-width:575px) { .loan-grid { grid-template-columns: 1fr; } }
.loan-card {
    position: relative;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 22px;
    padding: 2rem 1.7rem 1.6rem;
    transition: .35s;
    overflow: hidden;
}
.loan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--orange); }
.loan-card::before {
    content: "";
    position: absolute;
    top: 0; left: 0;
    width: 60px; height: 6px;
    background: linear-gradient(90deg, var(--orange), var(--amber));
    border-radius: 0 0 6px 0;
}
.loan-icon {
    width: 56px; height: 56px;
    border-radius: 16px;
    background: var(--ink);
    color: var(--amber);
    display: grid;
    place-items: center;
    font-size: 1.3rem;
    margin-bottom: 1.2rem;
}
.loan-card h4 { font-size: 1.2rem; margin-bottom: .55rem; }
.loan-card p { font-size: .9rem; color: var(--ink-2); margin: 0 0 1.2rem; }
.loan-foot {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-family: 'DM Mono', monospace;
    font-size: .7rem;
    letter-spacing: .14em;
    color: var(--ink-2);
    padding-top: 1rem;
    border-top: 1px dashed var(--line);
}
.loan-foot b { color: var(--orange); }

/* Insurance */
.ins-grid { display: grid; gap: 14px; }
.ins-panel {
    display: grid;
    grid-template-columns: 64px 1fr auto;
    gap: 22px;
    align-items: center;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 1.2rem 1.6rem;
    transition: .3s;
}
@media(max-width:767px) {
    .ins-panel { grid-template-columns: 50px 1fr; }
    .ins-meta { display: none; }
}
.ins-panel:hover { border-color: var(--olive); transform: translateX(8px); }
.ins-num {
    width: 50px; height: 50px;
    border-radius: 12px;
    background: linear-gradient(140deg, var(--olive), #7c9c4f);
    color: #fff;
    display: grid;
    place-items: center;
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 1.1rem;
}
.ins-body h4 { font-size: 1.1rem; margin-bottom: .25rem; }
.ins-body p { font-size: .9rem; color: var(--ink-2); margin: 0; }
.ins-meta { display: flex; flex-direction: column; gap: 6px; align-items: flex-end; min-width: 110px; }
.ins-meta .bar { height: 6px; background: var(--cream-2); border-radius: 999px; overflow: hidden; width: 100px; }
.ins-meta .bar i { display: block; height: 100%; background: linear-gradient(90deg, var(--olive), var(--amber)); }
.ins-meta small { font-family: 'DM Mono', monospace; font-size: .68rem; color: var(--ink-2); letter-spacing: .12em; }

/* Investments */
.inv-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media(max-width:991px) { .inv-grid { grid-template-columns: 1fr; } }
.inv-card {
    position: relative;
    border-radius: 28px;
    overflow: hidden;
    min-height: 420px;
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    padding: 2.2rem;
    color: var(--cream);
    isolation: isolate;
}
.inv-card.t1 { background: linear-gradient(160deg, #2d1b14, #1a1410); }
.inv-card.t2 { background: linear-gradient(160deg, #4a2818, #2d1b14); }
.inv-card.t3 { background: linear-gradient(160deg, #1f2d1a, #141a10); }
.inv-glow {
    position: absolute;
    top: -60px; left: 50%;
    transform: translateX(-50%);
    width: 220px; height: 220px;
    border-radius: 50%;
    background: radial-gradient(circle at 40% 45%, var(--amber), var(--orange) 60%, transparent 72%);
    opacity: .9;
    transition: .5s;
    z-index: -1;
}
.inv-card:hover .inv-glow { transform: translateX(-50%) translateY(20px) scale(1.08); }
.inv-tag { font-family: 'DM Mono', monospace; font-size: .7rem; letter-spacing: .24em; text-transform: uppercase; color: var(--amber); margin-bottom: .6rem; }
.inv-card h4 { font-size: 1.7rem; margin-bottom: .8rem; }
.inv-card p { font-size: .94rem; color: rgba(245, 241, 234, .78); margin: 0; }

/* Wealth */
.wealth-rail { position: relative; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media(max-width:991px) { .wealth-rail { grid-template-columns: 1fr; } }
.wealth-rail::before {
    content: "";
    position: absolute;
    top: 30px; left: 0; right: 0;
    height: 2px;
    background: repeating-linear-gradient(90deg, var(--orange) 0 10px, transparent 10px 20px);
}
@media(max-width:991px) { .wealth-rail::before { display: none; } }
.wealth-item { position: relative; padding-top: 60px; }
.wealth-dot {
    position: absolute;
    top: 14px; left: 0;
    width: 36px; height: 36px;
    border-radius: 50%;
    background: var(--ink);
    color: var(--amber);
    display: grid;
    place-items: center;
    font-family: 'DM Mono', monospace;
    font-size: .78rem;
    border: 4px solid var(--cream);
}
.wealth-card {
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 20px;
    padding: 1.6rem 1.7rem;
    box-shadow: var(--shadow);
    border-left: 5px solid var(--orange);
    transition: .3s;
}
.wealth-card:hover { transform: translateY(-5px); border-left-color: var(--olive); }
.wealth-card h4 { font-size: 1.15rem; margin-bottom: .45rem; }
.wealth-card p { font-size: .92rem; color: var(--ink-2); margin: 0; }

/* Digital Payments */
.pay-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
@media(max-width:991px) { .pay-grid { grid-template-columns: repeat(2, 1fr); } }
@media(max-width:575px) { .pay-grid { grid-template-columns: 1fr; } }
.pay-tile {
    position: relative;
    background: var(--ink);
    color: var(--cream);
    border-radius: 20px;
    padding: 1.8rem 1.6rem;
    transition: .3s;
    overflow: hidden;
}
.pay-tile:nth-child(even) { background: linear-gradient(140deg, #2a1f17, #1a1410); }
.pay-tile::after {
    content: "";
    position: absolute;
    bottom: -40px; right: -40px;
    width: 120px; height: 120px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(245, 158, 11, .25), transparent 70%);
}
.pay-tile:hover { transform: translateY(-5px); }
.pay-icon {
    width: 48px; height: 48px;
    border-radius: 12px 4px 12px 4px;
    background: linear-gradient(140deg, var(--sky), #2f5f80);
    display: grid;
    place-items: center;
    font-size: 1.2rem;
    margin-bottom: 1rem;
}
.pay-tile h4 { font-size: 1.1rem; margin-bottom: .35rem; }
.pay-tile p { font-size: .88rem; color: rgba(245, 241, 234, .7); margin: 0 0 1rem; }
.pay-no { font-family: 'DM Mono', monospace; font-size: .7rem; color: var(--amber); letter-spacing: .14em; }

/* Debt Relief */
.debt-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media(max-width:991px) { .debt-grid { grid-template-columns: 1fr; } }
.debt-card {
    position: relative;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 24px 24px 24px 6px;
    padding: 2.4rem 1.8rem 1.8rem;
    transition: .3s;
}
.debt-card:nth-child(2) { transform: translateY(30px); }
@media(max-width:991px) { .debt-card:nth-child(2) { transform: none; } }
.debt-card:hover { box-shadow: var(--shadow); border-color: var(--clay); }
.debt-step {
    position: absolute;
    top: -20px; left: 20px;
    width: 50px; height: 50px;
    border-radius: 14px 14px 14px 0;
    background: linear-gradient(140deg, var(--clay), var(--orange));
    color: #fff;
    display: grid;
    place-items: center;
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 1.2rem;
    box-shadow: 0 10px 22px -10px rgba(153, 27, 27, .6);
}
.debt-card h4 { font-size: 1.25rem; margin: .6rem 0 .55rem; }
.debt-card p { font-size: .92rem; color: var(--ink-2); margin: 0 0 1.2rem; }
.debt-foot {
    font-family: 'DM Mono', monospace;
    font-size: .68rem;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: var(--clay);
    border-top: 1px dashed var(--line);
    padding-top: 1rem;
}

/* Home Warranty */
.hw-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media(max-width:991px) { .hw-grid { grid-template-columns: 1fr; } }
.hw-card {
    position: relative;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 22px;
    overflow: hidden;
    transition: .35s;
}
.hw-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.hw-stripes { display: flex; height: 10px; }
.hw-stripes i { flex: 1; }
.hw-stripes i:nth-child(1) { background: var(--clay); }
.hw-stripes i:nth-child(2) { background: var(--orange); }
.hw-stripes i:nth-child(3) { background: var(--amber); }
.hw-stripes i:nth-child(4) { background: var(--olive); }
.hw-body { padding: 1.9rem 1.7rem; }
.hw-body > i { font-size: 1.5rem; color: var(--clay); margin-bottom: 1rem; display: block; }
.hw-body h4 { font-size: 1.2rem; margin-bottom: .55rem; }
.hw-body p { font-size: .92rem; color: var(--ink-2); margin: 0 0 1rem; }
.hw-tags { display: flex; gap: 6px; flex-wrap: wrap; }
.hw-tags span {
    font-family: 'DM Mono', monospace;
    font-size: .65rem;
    letter-spacing: .12em;
    text-transform: uppercase;
    background: var(--cream-2);
    color: var(--ink-2);
    padding: .3rem .7rem;
    border-radius: 6px;
}

/* Auto Warranty */
.aw-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
@media(max-width:991px) { .aw-grid { grid-template-columns: 1fr; } }
.aw-tier {
    position: relative;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 22px;
    padding: 1.8rem 1.7rem;
    transition: .3s;
}
.aw-tier.feat {
    background: var(--ink);
    color: var(--cream);
    transform: translateY(-14px);
    border-color: transparent;
}
@media(max-width:991px) { .aw-tier.feat { transform: none; } }
.aw-tier:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.aw-tier.feat:hover { transform: translateY(-20px); }
.aw-badge {
    display: inline-block;
    font-family: 'DM Mono', monospace;
    font-size: .68rem;
    letter-spacing: .2em;
    text-transform: uppercase;
    background: var(--cream-2);
    color: var(--ink);
    padding: .35rem .8rem;
    border-radius: 6px;
    margin-bottom: 1rem;
}
.aw-tier.feat .aw-badge { background: var(--amber); color: var(--ink); }
.aw-tier h4 { font-size: 1.4rem; margin-bottom: .7rem; }
.aw-tier p { font-size: .92rem; opacity: .85; margin: 0 0 1.4rem; }
.aw-list { list-style: none; padding: 0; margin: 0 0 1.4rem; display: grid; gap: .55rem; }
.aw-list li { display: flex; gap: .6rem; font-size: .88rem; align-items: flex-start; }
.aw-list i { color: var(--olive); margin-top: 5px; font-size: .66rem; }
.aw-tier.feat .aw-list i { color: var(--amber); }
.aw-meter { display: flex; gap: 4px; margin-top: 1rem; }
.aw-meter span { height: 6px; border-radius: 3px; flex: 1; background: var(--cream-2); }
.aw-tier.feat .aw-meter span { background: rgba(245, 241, 234, .14); }
.aw-tier.t1 .aw-meter span:nth-child(1) { background: var(--amber); }
.aw-tier.t2 .aw-meter span:nth-child(-n+2) { background: var(--amber); }
.aw-tier.t3 .aw-meter span { background: var(--amber); }

/* Process */
.process {
    background: var(--cream-2);
    padding: 120px 0;
    border-radius: 48px;
    position: relative;
}
.proc-flow { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; position: relative; }
@media(max-width:991px) { .proc-flow { grid-template-columns: repeat(2, 1fr); } }
@media(max-width:575px) { .proc-flow { grid-template-columns: 1fr; } }
.proc-node {
    text-align: center;
    padding: 1.7rem 1.2rem;
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 22px;
    position: relative;
    transition: .35s;
}
.proc-node:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.proc-num {
    width: 60px; height: 60px;
    margin: 0 auto 1rem;
    border-radius: 50%;
    background: var(--cream);
    border: 2px dashed var(--orange);
    display: grid;
    place-items: center;
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 1.2rem;
    color: var(--orange);
    position: relative;
}
.proc-num::after {
    content: "";
    position: absolute;
    inset: -8px;
    border-radius: 50%;
    border: 1px solid var(--line);
}
.proc-node h4 { font-size: 1.1rem; margin-bottom: .5rem; }
.proc-node p { font-size: .88rem; color: var(--ink-2); margin: 0; }

/* Stats */
.stats { padding: 100px 0; }
.stat-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media(max-width:767px) { .stat-row { grid-template-columns: repeat(2, 1fr); } }
.stat-cell {
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 22px;
    padding: 2rem 1.4rem;
    text-align: center;
    transition: .3s;
}
.stat-cell:hover { background: var(--ink); color: var(--cream); }
.stat-cell i { color: var(--orange); font-size: 1.3rem; transition: .3s; }
.stat-cell:hover i { color: var(--amber); }
.sv {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: clamp(2.4rem, 4.4vw, 3.2rem);
    margin: .5rem 0 .2rem;
    color: var(--orange);
}
.stat-cell:hover .sv { color: var(--amber); }
.sl {
    font-family: 'DM Mono', monospace;
    font-size: .72rem;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: var(--ink-2);
}
.stat-cell:hover .sl { color: rgba(245, 241, 234, .8); }

/* Testimonials */
.testi { padding: 110px 0; }
.quote-wrap {
    max-width: 920px;
    margin: 0 auto;
    position: relative;
    background: linear-gradient(140deg, var(--amber), #ffcf6b);
    border-radius: 36px 36px 36px 8px;
    padding: 3.6rem 3rem 2.6rem;
    box-shadow: var(--shadow);
}
@media(max-width:575px) { .quote-wrap { padding: 2.4rem 1.6rem; } }
.q-mark {
    position: absolute;
    top: 16px; left: 30px;
    font-family: 'Fraunces', serif;
    font-weight: 900;
    font-size: 6rem;
    line-height: .6;
    color: rgba(43, 26, 16, .25);
}
.quote-wrap blockquote {
    font-family: 'Fraunces', serif;
    font-size: clamp(1.2rem, 2.4vw, 1.65rem);
    font-weight: 600;
    line-height: 1.4;
    color: #2b1a10;
    margin: 1.2rem 0 1.8rem;
    position: relative;
}
.q-who { display: flex; align-items: center; gap: 14px; justify-content: space-between; flex-wrap: wrap; }
.q-who-left { display: flex; align-items: center; gap: 14px; }
.q-av {
    width: 52px; height: 52px;
    border-radius: 14px;
    background: var(--ink);
    color: var(--amber);
    display: grid;
    place-items: center;
    font-family: 'Fraunces', serif;
    font-weight: 900;
}
.q-who strong { display: block; color: #2b1a10; }
.q-who span {
    font-family: 'DM Mono', monospace;
    font-size: .72rem;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: rgba(43, 26, 16, .7);
}
.q-nav { display: flex; align-items: center; gap: 14px; }
.q-nav button {
    width: 44px; height: 44px;
    border-radius: 50%;
    border: 1.5px solid #2b1a10;
    background: transparent;
    color: #2b1a10;
    transition: .3s;
}
.q-nav button:hover { background: #2b1a10; color: var(--amber); }
.q-dots { display: flex; gap: 8px; }
.q-dots i {
    width: 9px; height: 9px;
    border-radius: 50%;
    background: rgba(43, 26, 16, .28);
    cursor: pointer;
    transition: .3s;
    display: block;
}
.q-dots i.active { background: #2b1a10; width: 26px; border-radius: 999px; }

/* Newsletter */
.news { padding: 20px 0 110px; }
.news-card {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 50px;
    align-items: center;
    background: var(--ink);
    color: var(--cream);
    border-radius: 40px;
    padding: 3.2rem;
    position: relative;
    overflow: hidden;
}
@media(max-width:767px) { .news-card { grid-template-columns: 1fr; padding: 2rem; gap: 30px; } }
.news-card::after {
    content: "";
    position: absolute;
    right: -120px; bottom: -150px;
    width: 360px; height: 360px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(245, 158, 11, .35), transparent 70%);
}
.news-card::before {
    content: "";
    position: absolute;
    top: -100px; left: -100px;
    width: 240px; height: 240px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(194, 65, 12, .25), transparent 70%);
}
.news-copy { position: relative; z-index: 2; }
.news-copy h3 { font-size: clamp(1.6rem, 3.2vw, 2.4rem); margin-bottom: .8rem; }
.news-copy p { color: rgba(245, 241, 234, .75); margin: 0; }
.news-form { position: relative; z-index: 2; }
.news-form form { display: flex; flex-direction: column; gap: 14px; }
.news-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
@media(max-width:575px) { .news-form-row { grid-template-columns: 1fr; } }
.news-field { display: flex; flex-direction: column; gap: 4px; }
.news-field label {
    font-family: 'DM Mono', monospace;
    font-size: .68rem;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: var(--amber);
    margin-left: 12px;
}
.news-form input[type="text"],
.news-form input[type="email"],
.news-form input[type="date"] {
    width: 100%;
    border: 1px solid rgba(245, 241, 234, .25);
    background: rgba(255, 255, 255, .06);
    color: var(--cream);
    padding: .85rem 1.2rem;
    border-radius: 12px;
    font-family: inherit;
    font-size: .95rem;
    transition: border-color .3s;
}
.news-form input[type="date"]::-webkit-calendar-picker-indicator { filter: invert(1); opacity: .7; cursor: pointer; }
.news-form input:focus { outline: none; border-color: var(--amber); background: rgba(255, 255, 255, .1); }

.news-check { display: flex; align-items: flex-start; gap: 10px; margin: 4px 0 6px; cursor: pointer; }
.news-check input[type="checkbox"] {
    appearance: none;
    -webkit-appearance: none;
    width: 18px; height: 18px;
    border: 1.5px solid rgba(245, 241, 234, .4);
    border-radius: 4px;
    background: rgba(255, 255, 255, .06);
    cursor: pointer;
    position: relative;
    flex-shrink: 0;
    margin-top: 2px;
    transition: all .2s;
}
.news-check input[type="checkbox"]:checked { background: var(--amber); border-color: var(--amber); }
.news-check input[type="checkbox"]:checked::after {
    content: "\f00c";
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    color: var(--ink);
    font-size: 11px;
    position: absolute;
    top: 50%; left: 50%;
    transform: translate(-50%, -50%);
}
.news-check label { font-size: .82rem; color: rgba(245, 241, 234, .75); line-height: 1.4; cursor: pointer; margin: 0; }
.news-check label a { color: var(--amber); text-decoration: underline; }
.news-form .btn-sun { width: 100%; justify-content: center; }
.unsub-link {
    background: none;
    border: none;
    color: rgba(245, 241, 234, .6);
    font-size: .84rem;
    text-decoration: underline;
    padding: .8rem 0 0;
    cursor: pointer;
}
.unsub-link:hover { color: var(--amber); }

/* FAQ */
.faq { padding: 110px 0; background: var(--cream-2); }
.faq-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 70px; align-items: start; }
@media(max-width:991px) { .faq-grid { grid-template-columns: 1fr; gap: 36px; } }
.faq-aside { position: sticky; top: 110px; }
@media(max-width:991px) { .faq-aside { position: static; } }
.faq-aside h2 { font-size: clamp(1.9rem, 3.4vw, 2.6rem); margin-bottom: 1rem; }
.faq-aside p { color: var(--ink-2); margin-bottom: 1.6rem; }
.faq-list { display: grid; gap: 12px; }
.fq {
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 16px;
    overflow: hidden;
    transition: .3s;
}
.fq:hover { border-color: var(--orange); }
.fq-q {
    width: 100%;
    display: flex;
    align-items: center;
    gap: 16px;
    text-align: left;
    background: none;
    border: none;
    padding: 1.25rem 1.5rem;
    font-family: 'Fraunces', serif;
    font-weight: 600;
    font-size: 1.04rem;
    color: var(--ink);
}
.fq-n { font-family: 'DM Mono', monospace; font-size: .78rem; color: var(--orange); min-width: 24px; }
.fq-q em { margin-left: auto; font-style: normal; font-size: 1.4rem; color: var(--orange); transition: .3s; line-height: 1; }
.fq-q[aria-expanded="true"] em { transform: rotate(45deg); }
.fq-a { padding: 0 1.5rem 1.4rem 3.4rem; color: var(--ink-2); font-size: .95rem; }

/* Contact */
.contact { padding: 110px 0; }
.contact-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 40px; align-items: stretch; }
@media(max-width:991px) { .contact-grid { grid-template-columns: 1fr; } }
.contact-form-wrap {
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 32px;
    padding: 2.6rem;
    box-shadow: var(--shadow);
}
.contact-form-wrap h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); margin-bottom: 1.6rem; }
.f-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media(max-width:575px) { .f-row { grid-template-columns: 1fr; } }
.contact label {
    display: block;
    font-family: 'DM Mono', monospace;
    font-size: .7rem;
    letter-spacing: .2em;
    text-transform: uppercase;
    color: var(--ink-2);
    margin: .9rem 0 .4rem;
}
.contact input, .contact select, .contact textarea {
    width: 100%;
    border: 1px solid var(--line);
    background: var(--cream);
    border-radius: 12px;
    padding: .85rem 1.1rem;
    font-family: inherit;
    color: var(--ink);
}
.contact input:focus, .contact select:focus, .contact textarea:focus {
    outline: none;
    border-color: var(--orange);
    background: #fff;
}
.contact button[type=submit] { margin-top: 1.4rem; justify-content: center; width: 100%; }

.contact-side {
    background: var(--ink);
    color: var(--cream);
    border-radius: 32px;
    padding: 2.4rem;
    display: flex;
    flex-direction: column;
}
.contact-side h3 { font-size: 1.5rem; margin-bottom: 1.4rem; }
.contact-side ul { list-style: none; padding: 0; margin: 0; }
.contact-side li { display: flex; gap: 14px; padding: 1rem 0; border-bottom: 1px solid rgba(245, 241, 234, .14); }
.contact-side li:last-child { border-bottom: none; }
.contact-side li i { color: var(--amber); margin-top: 5px; width: 20px; text-align: center; }
.contact-side small { display: block; font-family: 'DM Mono', monospace; font-size: .68rem; letter-spacing: .2em; text-transform: uppercase; color: var(--amber); }
.map-strip {
    margin-top: auto;
    background: rgba(255, 255, 255, .06);
    border-radius: 14px;
    padding: .9rem 1.1rem;
    font-size: .88rem;
    color: rgba(245, 241, 234, .8);
}

/* Final CTA */
.final {
    padding: 120px 0;
    text-align: center;
    background:
        radial-gradient(circle at 50% 0%, rgba(245, 158, 11, .25), transparent 50%),
        linear-gradient(120deg, var(--orange), var(--mustard));
    color: #2b1a10;
    position: relative;
    overflow: hidden;
}
.final::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image: radial-gradient(rgba(43, 26, 16, .12) 1px, transparent 1px);
    background-size: 8px 8px;
    opacity: .35;
    pointer-events: none;
}
.final h2 { font-size: clamp(2rem, 4.8vw, 3.4rem); margin-bottom: 2rem; position: relative; }
.final .btn-sun { background: #2b1a10; color: var(--amber); box-shadow: none; position: relative; }
.final .btn-sun:hover { background: #1a1410; }

/* Footer */
.solar-foot { background: var(--ink); color: rgba(245, 241, 234, .78); padding: 80px 0 26px; }
.foot-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 36px; }
@media(max-width:767px) { .foot-grid { grid-template-columns: 1fr 1fr; } }
.solar-foot p { font-size: .94rem; margin-top: 1rem; max-width: 340px; }
.solar-foot h5 {
    color: var(--cream);
    font-size: .82rem;
    font-family: 'DM Mono', monospace;
    letter-spacing: .2em;
    text-transform: uppercase;
    margin-bottom: 1rem;
}
.solar-foot ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .6rem; }
.solar-foot a:hover, .link-like:hover { color: var(--amber); }
.link-like {
    background: none;
    border: none;
    padding: 0;
    color: inherit;
    font: inherit;
    text-align: left;
    cursor: pointer;
}
.foot-social { display: flex; gap: 10px; margin-top: 1.2rem; }
.foot-social a {
    width: 38px; height: 38px;
    border-radius: 10px;
    border: 1px solid rgba(245, 241, 234, .25);
    display: grid;
    place-items: center;
    transition: .3s;
}
.foot-social a:hover { background: var(--amber); color: var(--ink); border-color: transparent; }
.foot-bottom {
    margin-top: 56px;
    padding-top: 20px;
    border-top: 1px solid rgba(245, 241, 234, .14);
    display: flex;
    justify-content: space-between;
    gap: 12px;
    flex-wrap: wrap;
    font-size: .82rem;
    color: rgba(245, 241, 234, .6);
}

/* Legal / Standalone pages */
.page-hero {
    padding: 160px 0 70px;
    background:
        radial-gradient(circle at 90% 8%, rgba(245, 158, 11, .28), transparent 42%),
        radial-gradient(circle at 12% 88%, rgba(194, 65, 12, .14), transparent 50%),
        var(--cream);
}
.page-hero h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); margin-bottom: 1rem; }
.page-hero p { color: var(--ink-2); max-width: 720px; font-size: 1.08rem; }

.policy-doc {
    background: var(--paper);
    border: 1px solid var(--line);
    border-radius: 32px;
    padding: 3.4rem;
    box-shadow: var(--shadow);
    margin-bottom: 80px;
}
@media(max-width:767px) { .policy-doc { padding: 2rem; } }
.policy-doc h6 {
    font-family: 'Fraunces', serif;
    font-weight: 900;
    color: var(--clay);
    margin-top: 1.6rem;
    font-size: 1.1rem;
}
.policy-doc h6:first-child { margin-top: 0; }
.policy-doc p { font-size: .96rem; color: var(--ink-2); }

/* Modals */
.solar-modal {
    background: var(--cream);
    border: none;
    border-radius: 28px;
    color: var(--ink);
}
.solar-modal .modal-header { border-bottom: 1px solid var(--line); }
.solar-modal .modal-title { font-family: 'Fraunces', serif; font-weight: 900; }
.success-orb {
    width: 90px; height: 90px;
    margin: 0 auto 1.3rem;
    border-radius: 24px 24px 24px 6px;
    display: grid;
    place-items: center;
    font-size: 2.1rem;
    color: #fff;
    background: linear-gradient(140deg, var(--olive), #8bb06a);
    box-shadow: 0 14px 30px -16px rgba(93, 122, 74, .9);
}
.solar-modal h4 { font-size: 1.5rem; margin-bottom: .6rem; }

/* Reveal */
.reveal {
    opacity: 0;
    transform: translateY(28px);
    transition: opacity .7s ease, transform .7s cubic-bezier(.2, .7, .3, 1);
}
.reveal.in { opacity: 1; transform: none; }