/* Mua Nhà Tiền Mặt — Template V3.0
   Ảnh thật, sang trọng: Deep Burgundy, Deep Navy, Brushed Gold 24K, Ivory.
   Một giao diện cố định (không đổi theo chế độ sáng/tối). */
:root {
  --burgundy: #6B1426;
  --burgundy-d: #470B18;
  --navy: #0B1630;
  --navy-2: #132241;
  --ivory: #F8F2E6;
  --ivory-2: #EEE4D0;
  --white: #FFFFFF;
  --gold: #C9A24D;
  --gold-l: #ECD794;
  --gold-ink: #7A5A1C;
  --ink: #0B1630;
  --muted: #5E6577;
  --line: #E2D5BA;
  --ok: #2E6B48;
  --warn-bg: #F6E3E1;
  --warn-ink: #6B1426;
  --brushed: linear-gradient(118deg, #8A6620 0%, #E9D08A 18%, #B98F33 34%, #F6E7B0 50%, #A9802A 66%, #E2C56F 84%, #8F6B22 100%);
  --brush-lines: repeating-linear-gradient(90deg, rgba(255, 255, 255, .07) 0 1px, rgba(0, 0, 0, 0) 1px 3px);
  --shadow: 0 18px 40px rgba(11, 22, 48, .14);
  --f-display: "Playfair Display", Georgia, "Times New Roman", serif;
  --f-body: "Be Vietnam Pro", "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --r: 4px;
  color-scheme: light;
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 110px; }
body { margin: 0; background: var(--ivory); color: var(--ink); font-family: var(--f-body); font-size: 1.125rem; line-height: 1.65; overflow-x: hidden; }
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 60; background: var(--navy); }
[hidden] { display: none !important; }
img, svg { max-width: 100%; }
a { color: var(--burgundy); text-underline-offset: 3px; }
a:hover { color: var(--burgundy-d); }
h1, h2, h3, h4 { line-height: 1.15; text-wrap: balance; margin: 0 0 .5em; color: inherit; font-variant-numeric: lining-nums; font-feature-settings: "lnum" 1; }
h1, h2 { font-family: var(--f-display); font-weight: 800; letter-spacing: -.005em; }
h1 { font-size: clamp(2.3rem, 1.4rem + 3.6vw, 4.6rem); }
h2 { font-size: clamp(1.85rem, 1.3rem + 2.2vw, 3rem); }
h3 { font-size: 1.3rem; font-weight: 700; }
p { margin: 0 0 1em; }
strong { font-weight: 700; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.skip { position: absolute; left: -9999px; top: 0; }
.skip:focus { left: 16px; top: calc(env(safe-area-inset-top, 0px) + 12px); z-index: 100; background: var(--ivory); color: var(--ink); padding: 10px 14px; }
.wrap { max-width: 1280px; margin: 0 auto; padding-left: max(18px, env(safe-area-inset-left, 0px)); padding-right: max(18px, env(safe-area-inset-right, 0px)); }
@media (min-width: 760px) { .wrap { padding-left: max(32px, env(safe-area-inset-left, 0px)); padding-right: max(32px, env(safe-area-inset-right, 0px)); } }
.prose { max-width: 68ch; }
.muted { color: var(--muted); }
.tnum { font-variant-numeric: tabular-nums lining-nums; }
.goldtxt { background: var(--brushed); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* ---------- Top bar + header ---------- */
.topbar { background: var(--navy); color: #CDB878; font-size: .875rem; border-bottom: 1px solid rgba(201, 162, 77, .3); }
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; min-height: 40px; gap: 16px; }
.topbar a { color: #fff; text-decoration: none; font-weight: 700; }
.topbar .sep { display: inline-block; width: 4px; height: 4px; transform: rotate(45deg); background: var(--gold); margin: 0 12px 2px; }
@media (max-width: 760px) { .topbar .wrap { justify-content: center; min-height: 34px; font-size: .8rem; } .topbar .r, .topbar .hm { display: none; } }

.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50; background: var(--ivory); border-bottom: 1px solid var(--line); }
.site-header .bar { display: flex; align-items: center; gap: 24px; min-height: 84px; position: relative; }
.brand { display: flex; align-items: center; gap: 13px; text-decoration: none; color: var(--burgundy); white-space: nowrap; }
.brand:hover { color: var(--burgundy); }
.brand .mark { width: 48px; height: 48px; border-radius: var(--r); background: var(--navy); border: 1.5px solid var(--gold); display: grid; place-items: center; flex: none; }
.brand .mark svg { width: 30px; height: 30px; }
.brand .nm { font-family: var(--f-display); font-weight: 800; font-size: 1.6rem; line-height: 1; display: block; }
.brand small { display: block; font-family: var(--f-body); font-size: .68rem; font-weight: 700; letter-spacing: .2em; color: var(--gold-ink); margin-top: 6px; text-transform: uppercase; }
.nav { margin-left: auto; display: flex; gap: 4px; align-items: center; }
.nav a { color: var(--navy); text-decoration: none; font-weight: 600; font-size: .98rem; padding: 10px 11px; white-space: nowrap; border-bottom: 2px solid transparent; }
.nav a:hover { color: var(--burgundy); }
.nav a[aria-current="page"] { border-bottom-color: var(--gold); color: var(--burgundy); }
.nav .nav-en { font-size: .9rem; color: var(--muted); }
.header-call { white-space: nowrap; }
.menu-btn { display: none; align-items: center; justify-content: center; width: 46px; height: 46px; border-radius: var(--r); border: 1px solid var(--line); background: transparent; color: var(--navy); cursor: pointer; }
.menu-btn svg { width: 24px; height: 24px; }
@media (max-width: 1200px) {
  .nav { display: none; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0; background: var(--ivory); border-bottom: 1px solid var(--line); padding: 8px max(18px, env(safe-area-inset-right, 0px)) 16px max(18px, env(safe-area-inset-left, 0px)); box-shadow: var(--shadow); }
  .nav.open { display: flex; }
  .nav a { padding: 14px 6px; font-size: 1.1rem; border-bottom: 1px solid var(--line); }
  .menu-btn { display: inline-flex; }
  .header-call { margin-left: auto; }
  .header-call .num { display: none; }
  .header-call.btn { padding: 0 14px; min-height: 46px; }
}
@media (max-width: 460px) {
  .site-header .bar { min-height: 68px; gap: 10px; }
  .brand .mark { width: 40px; height: 40px; }
  .brand .mark svg { width: 24px; height: 24px; }
  .brand .nm { font-size: 1.25rem; }
  .brand small { font-size: .58rem; letter-spacing: .14em; }
}

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 54px; padding: 12px 24px; border-radius: var(--r); font: 700 1.0625rem/1.2 var(--f-body); letter-spacing: .01em; text-decoration: none; text-align: center; border: 1.5px solid transparent; cursor: pointer; font-variant-numeric: lining-nums; transition: filter .15s ease, background-color .15s ease; }
.btn svg { width: 22px; height: 22px; flex: none; }
.btn-cta { background: var(--brush-lines), var(--brushed); color: var(--navy); box-shadow: 0 10px 24px rgba(185, 143, 51, .3), inset 0 1px 0 rgba(255, 255, 255, .5); }
.btn-cta:hover { color: var(--navy); filter: brightness(1.06); }
.btn-jade { background: var(--burgundy); color: var(--ivory); border-color: #9C6B3C; }
.btn-jade:hover { background: var(--burgundy-d); color: var(--ivory); }
.btn-jade svg { color: var(--gold-l); }
.btn-ghost { background: transparent; color: inherit; border-color: var(--gold); }
.btn-ghost:hover { color: inherit; background: rgba(201, 162, 77, .12); }
.btn-plain { background: var(--white); color: var(--navy); border-color: var(--line); }
.btn-plain:hover { color: var(--navy); border-color: var(--gold); }
.copy-btn { display: inline-flex; align-items: center; gap: 6px; min-height: 40px; padding: 6px 12px; border-radius: var(--r); border: 1px solid rgba(201, 162, 77, .6); background: transparent; color: inherit; font: 600 .92rem/1 var(--f-body); cursor: pointer; }
.copy-btn svg { width: 16px; height: 16px; }

/* ---------- Eyebrow ---------- */
.eyebrow { display: flex; align-items: center; gap: 12px; font-size: .8rem; font-weight: 700; letter-spacing: .22em; text-transform: uppercase; color: var(--gold-ink); margin-bottom: 14px; }
.eyebrow::before { content: ""; width: 38px; height: 2px; background: var(--brushed); flex: none; }
.on-dark .eyebrow, .hero .eyebrow, .page-hero .eyebrow, .cta-band .eyebrow, .call-card .eyebrow, .photo-sec .eyebrow, .band .eyebrow { color: var(--gold-l); }
@media (max-width: 520px) { .eyebrow { font-size: .72rem; letter-spacing: .14em; } .eyebrow::before { width: 24px; } }

/* ---------- Photo heroes ---------- */
.hero, .page-hero, .photo-sec { position: relative; color: var(--ivory); background-color: var(--navy); overflow: hidden; isolation: isolate; }
.bg { position: absolute; inset: 0; z-index: -2; background-size: cover; background-position: 70% 60%; background-repeat: no-repeat; filter: saturate(.92); }
.hero::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(11, 22, 48, .97) 0%, rgba(11, 22, 48, .9) 32%, rgba(11, 22, 48, .4) 55%, rgba(11, 22, 48, .05) 72%), linear-gradient(0deg, rgba(11, 22, 48, .9), rgba(11, 22, 48, 0) 32%); }
.hero .frame, .page-hero .frame { position: absolute; inset: 20px; border: 1px solid rgba(236, 215, 148, .32); pointer-events: none; }
.hero h1 { color: var(--ivory); margin: 4px 0 18px; }
.hero h1 em { font-style: italic; }
.hero .lede { font-size: 1.28rem; color: #E7DFD0; max-width: 32ch; }
.hero .wrap { position: relative; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 420px); gap: 56px; align-items: center; min-height: 680px; padding-block: 64px 72px; }
.hero .copy { max-width: 740px; }
.hero-home .wrap { grid-template-columns: minmax(0, 1fr); min-height: 700px; padding-block: 80px 170px; }
.ctas { display: flex; gap: 14px; flex-wrap: wrap; margin: 30px 0 26px; }
.ctas .btn { min-height: 64px; padding: 0 30px; font-size: 1.18rem; }
.ticks { display: flex; gap: 10px 26px; flex-wrap: wrap; font-size: .98rem; font-weight: 600; color: #EFE6D3; list-style: none; padding: 0; margin: 0; }
.ticks li { display: flex; gap: 8px; align-items: center; }
.ticks svg { color: var(--gold-l); width: 20px; height: 20px; }
@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: minmax(0, 1fr); gap: 30px; min-height: 0; padding-block: 34px 44px; }
  .hero::after { background: linear-gradient(180deg, rgba(11, 22, 48, .96) 0%, rgba(11, 22, 48, .88) 60%, rgba(11, 22, 48, .7) 100%); }
  .hero-home .bg { top: auto; height: 380px; background-position: 62% 60%; }
  .hero-home::after { background: linear-gradient(180deg, var(--navy) 0%, var(--navy) 50%, rgba(11, 22, 48, 0) 68%, rgba(11, 22, 48, .25) 100%); }
  .hero-home .wrap { padding-block: 34px 400px; }
  .hero .frame, .page-hero .frame { inset: 10px; }
  .ctas { flex-direction: column; }
  .ctas .btn { width: 100%; min-height: 58px; font-size: 1.08rem; }
  .ticks { flex-direction: column; gap: 8px; }
}

.page-hero::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(11, 22, 48, .97) 0%, rgba(11, 22, 48, .88) 45%, rgba(11, 22, 48, .45) 100%); }
.page-hero .wrap { position: relative; padding-block: 56px 64px; }
.page-hero h1 { color: var(--ivory); max-width: 22ch; font-size: clamp(2rem, 1.3rem + 2.6vw, 3.4rem); }
.page-hero .lede { color: #DCE0E8; max-width: 60ch; font-size: 1.2rem; margin: 0; }
.crumbs { font-size: .92rem; margin: 0 0 18px; color: #C9CFDB; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 0; margin: 0; }
.crumbs li + li::before { content: "›"; margin-right: 6px; color: var(--gold); }
.crumbs a { color: var(--ivory); }
@media (max-width: 700px) { .page-hero .wrap { padding-block: 34px 40px; } .page-hero::after { background: linear-gradient(180deg, rgba(11, 22, 48, .94), rgba(11, 22, 48, .82)); } }

/* ---------- Glass forms on dark ---------- */
.glass, .hero .form-card, .final .form-card { background: rgba(11, 22, 48, .74); -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px); border: 1px solid rgba(236, 215, 148, .45); border-radius: var(--r); color: var(--ivory); box-shadow: 0 30px 60px rgba(0, 0, 0, .4); }
.hero .form-card h2, .final .form-card h2, .glass h2 { color: var(--ivory); }
.hero .form-card .sub, .final .form-card .sub, .glass .sub { color: #C7CCD8; }
.hero .form-card label, .hero .form-card .legend, .final .form-card label, .glass label { color: #EFE6D3; }
.hero input[type=text], .hero input[type=tel], .hero input[type=email], .hero select,
.final input[type=text], .final input[type=tel], .final select,
.glass input[type=text], .glass input[type=tel], .glass select { background: rgba(248, 242, 230, .07); color: var(--ivory); border-color: rgba(236, 215, 148, .38); }
.hero input::placeholder, .final input::placeholder, .glass input::placeholder { color: #AEB5C4; }
.hero select option, .final select option, .glass select option { color: var(--navy); }
.hero .choice span, .glass .choice span { background: transparent; border-color: rgba(236, 215, 148, .38); color: #EFE6D3; }
.hero .choice input:checked + span, .glass .choice input:checked + span { background: var(--burgundy); border-color: var(--gold); color: #fff; }
.hero .fine, .final .fine, .glass .fine { color: #AEB5C4; }
.hero .fine a, .final .fine a, .glass .fine a { color: var(--gold-l); }
.hero .check, .glass .check, .final .check { color: #C7CCD8; }
.hero .form-msg, .final .form-msg, .glass .form-msg { background: rgba(236, 215, 148, .14); color: var(--ivory); }
.hero .form-msg.err, .final .form-msg.err, .glass .form-msg.err { background: rgba(107, 20, 38, .85); color: #fff; }
.hero .progress, .glass .progress { color: #C7CCD8; }
.hero .progress .dot, .glass .progress .dot { background: rgba(236, 215, 148, .25); }

/* quote bar (home) */
.quote { position: relative; z-index: 5; margin-top: -118px; background: linear-gradient(180deg, transparent 0, transparent 118px, var(--navy) 118px); }
.qbar { display: grid; grid-template-columns: minmax(0, 280px) minmax(0, 1fr); gap: 10px 28px; align-items: center; padding: 26px 30px; }
.qbar .tag { font-size: .75rem; font-weight: 700; letter-spacing: .2em; text-transform: uppercase; color: var(--gold-l); }
.qbar h2 { font-size: 1.7rem; margin: 8px 0 0; }
.qrow { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 1fr) minmax(0, 1fr) auto; gap: 12px; align-items: end; }
.qrow .field { margin: 0; }
.qrow label { font-size: .85rem; }
.qrow .btn { min-height: 54px; }
.qbar .fine { grid-column: 2; margin: 2px 0 0; }
.qbar .form-msg { grid-column: 1 / -1; }
@media (max-width: 1000px) {
  .quote { margin-top: -84px; background: linear-gradient(180deg, transparent 0, transparent 84px, var(--navy) 84px); }
  .qbar { grid-template-columns: minmax(0, 1fr); padding: 22px; }
  .qrow { grid-template-columns: minmax(0, 1fr); }
  .qrow .btn { width: 100%; }
  .qbar .fine { grid-column: 1; }
}

/* ---------- Promise band ---------- */
.band { background: var(--navy); color: #D9DDE6; }
.band ul { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.band li { padding: 34px 28px; border-left: 1px solid rgba(201, 162, 77, .25); }
.band li:first-child { border-left: 0; padding-left: 0; }
.band .num { font-family: var(--f-display); font-weight: 800; font-size: clamp(2.4rem, 1.6rem + 2vw, 3.5rem); line-height: 1; display: block; font-variant-numeric: lining-nums; font-feature-settings: "lnum" 1; }
.band .cap { display: block; font-size: 1rem; margin-top: 10px; font-weight: 500; }
@media (max-width: 760px) {
  .band ul { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .band li { padding: 22px 14px; }
  .band li:nth-child(3) { border-left: 0; padding-left: 0; }
  .band li:nth-child(n+3) { border-top: 1px solid rgba(201, 162, 77, .25); }
  .band .cap { font-size: .9rem; }
}

/* old trust strip (other pages) */
.strip { background: var(--navy); color: #E7DFD0; }
.strip ul { list-style: none; margin: 0; padding: 18px 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px 20px; }
.strip li { display: flex; gap: 10px; align-items: center; font-weight: 600; }
.strip svg { width: 24px; height: 24px; flex: none; color: var(--gold-l); }
@media (max-width: 900px) { .strip ul { grid-template-columns: repeat(2, minmax(0, 1fr)); } }

/* ---------- Sections ---------- */
.section { padding-block: 92px; }
.section.alt { background: var(--ivory-2); }
.section.tight { padding-block: 52px; }
.section-head { margin-bottom: 40px; display: flex; justify-content: space-between; align-items: flex-end; gap: 40px; }
.section-head h2 { margin: 0; max-width: 18ch; color: var(--navy); }
.section-head p { color: var(--muted); font-size: 1.1rem; max-width: 42ch; margin: 0; }
.section-head.stack { display: block; max-width: 62ch; }
.section-head.stack p { margin-top: 14px; }
.photo-sec .section-head h2 { color: var(--ivory); }
.photo-sec .section-head p { color: #C9CFDB; }
@media (max-width: 760px) { .section { padding-block: 58px; } .section-head { flex-direction: column; align-items: flex-start; gap: 12px; margin-bottom: 26px; } }

/* photo situation cards */
.sits { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.sits.four { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.sit { position: relative; display: block; min-height: 380px; border-radius: var(--r); overflow: hidden; color: var(--ivory); text-decoration: none; background-color: var(--navy); background-size: cover; background-position: center; box-shadow: 0 18px 40px rgba(11, 22, 48, .18); isolation: isolate; }
.sits.four .sit { min-height: 360px; }
.sit::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(180deg, rgba(11, 22, 48, 0) 22%, rgba(11, 22, 48, .72) 55%, rgba(71, 11, 24, .97) 100%); }
.sit::after { content: ""; position: absolute; inset: 12px; border: 1px solid rgba(236, 215, 148, .35); pointer-events: none; transition: border-color .2s ease; }
.sit:hover { color: var(--ivory); }
.sit:hover::after { border-color: var(--gold-l); }
.sit .bd { position: absolute; left: 0; right: 0; bottom: 0; padding: 26px; }
.sit .n { font-family: var(--f-display); font-style: italic; font-size: 1.1rem; color: var(--gold-l); }
.sit h3 { font-family: var(--f-display); font-weight: 800; font-size: 1.65rem; margin: 4px 0 6px; color: var(--ivory); }
.sit p { color: #E6DCCB; font-size: .98rem; margin: 0; }
.sit .more { display: flex; align-items: center; gap: 8px; margin-top: 14px; font-weight: 700; font-size: .82rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-l); }
.sit .more svg { width: 18px; height: 18px; }
.sit.solid { background: var(--navy); }
.sit.solid::before { background: linear-gradient(160deg, var(--navy-2), var(--burgundy-d)); }
@media (max-width: 1100px) { .sits.four { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 900px) { .sits { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .sits, .sits.four { grid-template-columns: minmax(0, 1fr); gap: 16px; } .sit, .sits.four .sit { min-height: 320px; } }

/* plain cards */
.cards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
.cards.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.cards.two { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r); padding: 26px; display: flex; flex-direction: column; gap: 8px; text-decoration: none; color: var(--ink); min-width: 0; position: relative; }
.card::before { content: ""; position: absolute; inset: 0 0 auto; height: 3px; background: var(--brushed); opacity: 0; transition: opacity .2s ease; }
a.card:hover { color: var(--ink); border-color: var(--gold); }
a.card:hover::before { opacity: 1; }
.card h3 { margin: 0; font-family: var(--f-display); font-weight: 800; font-size: 1.4rem; }
.card p { margin: 0; color: var(--muted); font-size: 1rem; }
.card .ic { width: 32px; height: 32px; color: var(--gold-ink); }
.card .more { margin-top: auto; padding-top: 8px; color: var(--burgundy); font-weight: 700; font-size: .92rem; letter-spacing: .04em; }
.card.feature { background: var(--navy); color: var(--ivory); border-color: var(--gold); }
.card.feature p, .card.feature .more { color: #E7DFD0; }
.card.feature .more { color: var(--gold-l); }
.card.feature .ic { color: var(--gold-l); }
@media (max-width: 1000px) { .cards, .cards.three { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .cards, .cards.three, .cards.two { grid-template-columns: minmax(0, 1fr); } }

/* steps */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; counter-reset: s; }
.steps li { counter-increment: s; background: var(--white); border: 1px solid var(--line); border-radius: var(--r); padding: 28px; min-width: 0; }
.steps li::before { content: "0" counter(s); display: block; font-family: var(--f-display); font-weight: 800; font-size: 3.4rem; line-height: 1; margin-bottom: 14px; background: var(--brushed); -webkit-background-clip: text; background-clip: text; color: transparent; font-variant-numeric: lining-nums; font-feature-settings: "lnum" 1; }
.steps h3 { margin-bottom: .35em; font-family: var(--f-display); font-weight: 800; font-size: 1.55rem; }
.steps p { margin: 0; color: var(--muted); }
.photo-sec .steps li { background: rgba(11, 22, 48, .55); -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px); border-color: rgba(236, 215, 148, .35); color: var(--ivory); }
.photo-sec .steps p { color: #D4D8E1; }
@media (max-width: 820px) { .steps { grid-template-columns: minmax(0, 1fr); } }

.photo-sec::after { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--phov, linear-gradient(180deg, rgba(11, 22, 48, .92), rgba(11, 22, 48, .72) 55%, rgba(71, 11, 24, .88))); }

.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 56px; align-items: center; }
.split.top { align-items: start; }
@media (max-width: 900px) { .split { grid-template-columns: minmax(0, 1fr); gap: 30px; } }

.checklist { list-style: none; padding: 0; margin: 0 0 1.2em; display: grid; gap: 12px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; }
.checklist svg { width: 22px; height: 22px; flex: none; color: var(--gold-ink); margin-top: 3px; }
.checklist.x svg { color: var(--burgundy); }
.on-dark .checklist svg, .photo-sec .checklist svg, .call-card .checklist svg { color: var(--gold-l); }

/* as-is list */
.asis-pic { position: relative; min-height: 600px; border-radius: var(--r); overflow: hidden; background: var(--navy) url(img/oldroom.jpg) center 40%/cover; box-shadow: 0 24px 50px rgba(11, 22, 48, .2); }
.asis-pic::after { content: ""; position: absolute; inset: 14px; border: 1px solid rgba(236, 215, 148, .6); }
.callout-tag { position: absolute; display: flex; align-items: center; gap: 10px; background: rgba(11, 22, 48, .88); color: var(--ivory); padding: 10px 14px; border-radius: var(--r); font-weight: 600; font-size: .95rem; border-left: 3px solid var(--gold); }
.callout-tag svg { color: var(--gold-l); width: 18px; height: 18px; }
.yes-list { list-style: none; padding: 0; margin: 0 0 30px; }
.yes-list li { display: flex; align-items: center; gap: 14px; padding: 15px 0; border-bottom: 1px solid var(--line); font-weight: 600; }
.yes-list svg { color: var(--gold-ink); width: 22px; height: 22px; flex: none; }
.yes-list b { margin-left: auto; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: var(--burgundy); white-space: nowrap; }
@media (max-width: 900px) { .asis-pic { min-height: 420px; } .callout-tag { font-size: .82rem; padding: 8px 10px; } }

/* compare panel */
.cmp { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; box-shadow: 0 20px 40px rgba(11, 22, 48, .08); }
.cmp .col { padding: 38px; }
.cmp .a { background: var(--white); }
.cmp .b { background: var(--burgundy); color: var(--ivory); position: relative; }
.cmp .b::before { content: ""; position: absolute; inset: 0 0 auto; height: 4px; background: var(--brushed); }
.cmp h3 { font-family: var(--f-display); font-weight: 800; font-size: 1.8rem; margin-bottom: 18px; }
.cmp ul { list-style: none; padding: 0; margin: 0; }
.cmp li { display: flex; gap: 12px; align-items: center; padding: 13px 0; border-bottom: 1px solid rgba(127, 127, 127, .18); font-weight: 600; }
.cmp .a svg { color: #9A4A3E; }
.cmp .b svg { color: var(--gold-l); }
.cmp svg { width: 22px; height: 22px; flex: none; }
.cmp-note { display: flex; justify-content: space-between; gap: 16px; margin-top: 18px; color: var(--muted); font-size: 1rem; flex-wrap: wrap; }
.cmp-note a { font-weight: 700; }
@media (max-width: 760px) { .cmp { grid-template-columns: minmax(0, 1fr); } .cmp .col { padding: 26px; } }

/* regions over photo */
.regs { display: grid; gap: 16px; }
.reg { display: block; background: rgba(11, 22, 48, .6); -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px); border: 1px solid rgba(236, 215, 148, .35); border-radius: var(--r); padding: 20px 22px; color: var(--ivory); text-decoration: none; }
.reg:hover { color: var(--ivory); border-color: var(--gold-l); }
.reg b { display: block; font-family: var(--f-display); font-size: 1.5rem; margin-bottom: 10px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chips span { border: 1px solid rgba(236, 215, 148, .35); border-radius: 2px; padding: 5px 11px; font-size: .88rem; font-weight: 600; color: #EFE6D3; }

/* person + safety */
.person-card { display: grid; grid-template-columns: 200px minmax(0, 1fr); background: var(--white); border: 1px solid var(--line); border-radius: var(--r); overflow: hidden; }
.person-card .ph { background: var(--navy); position: relative; display: grid; place-items: center; color: var(--gold-l); text-align: center; font-family: var(--f-display); font-weight: 800; font-size: 4rem; min-height: 220px; }
.person-card .ph::after { content: ""; position: absolute; inset: 12px; border: 1px solid rgba(236, 215, 148, .5); }
.person-card .bd { padding: 30px; }
.person-card h3 { font-family: var(--f-display); font-size: 2rem; font-weight: 800; margin: 0; }
.person-card .role { font-size: .8rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: var(--gold-ink); margin: 6px 0 14px; }
.person-card q { display: block; font-family: var(--f-display); font-style: italic; font-size: 1.3rem; line-height: 1.4; color: var(--burgundy); }
.safe { background: var(--navy); color: var(--ivory); border-radius: var(--r); padding: 32px; position: relative; }
.safe::before { content: ""; position: absolute; inset: 0 0 auto; height: 4px; background: var(--brushed); }
.safe h3 { font-family: var(--f-display); font-weight: 800; font-size: 1.8rem; margin-bottom: 18px; }
.safe .checklist { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px 24px; }
.safe .checklist svg { color: var(--gold-l); }
.safe a { color: var(--gold-l); }
@media (max-width: 760px) { .person-card { grid-template-columns: minmax(0, 1fr); } .safe .checklist { grid-template-columns: minmax(0, 1fr); } }

/* final CTA */
.final { --phov: linear-gradient(90deg, rgba(71, 11, 24, .96) 0%, rgba(107, 20, 38, .88) 45%, rgba(11, 22, 48, .55) 100%); }
.final .split { grid-template-columns: minmax(0, 1fr) minmax(0, 440px); }
.final h2 { color: var(--ivory); font-size: clamp(2.3rem, 1.5rem + 3vw, 3.9rem); }
.final h2 em { font-style: italic; }
.final p.big { font-size: 1.25rem; color: #F1E3DA; max-width: 34ch; }
.final .phone-line { display: flex; align-items: center; gap: 18px; font-size: clamp(1.9rem, 1.3rem + 2vw, 3rem); font-weight: 800; color: var(--ivory); text-decoration: none; font-variant-numeric: lining-nums; }
.final .phone-line .pc { width: 72px; height: 72px; border-radius: 50%; background: var(--brush-lines), var(--brushed); color: var(--navy); display: grid; place-items: center; flex: none; }
.final .phone-line .pc svg { width: 32px; height: 32px; }
.final .sm { color: var(--gold-l); font-weight: 600; margin-top: 10px; }
@media (max-width: 900px) { .final .split { grid-template-columns: minmax(0, 1fr); } .final .phone-line .pc { width: 56px; height: 56px; } }

/* ---------- Tables ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r); background: var(--white); }
table { border-collapse: collapse; width: 100%; min-width: 600px; font-size: 1rem; }
th, td { padding: 14px 16px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
thead th { background: var(--navy); color: var(--ivory); font-size: .95rem; letter-spacing: .02em; }
tbody th { font-weight: 600; width: 30%; }
td.us { background: rgba(107, 20, 38, .06); color: var(--burgundy); font-weight: 600; }
tbody tr:last-child td, tbody tr:last-child th { border-bottom: 0; }

/* ---------- Callouts ---------- */
.callout { background: var(--ivory-2); border-left: 3px solid var(--gold); border-radius: var(--r); padding: 18px 20px; margin: 22px 0; }
.callout p:last-child { margin-bottom: 0; }
.callout.warn { background: var(--warn-bg); color: var(--warn-ink); border-left-color: var(--burgundy); }
.callout.warn a { color: inherit; }
.callout.jade { background: rgba(11, 22, 48, .06); border-left-color: var(--navy); }
.note-legal { font-size: .92rem; color: var(--muted); line-height: 1.55; }

/* ---------- FAQ ---------- */
details.qa { background: var(--white); border: 1px solid var(--line); border-radius: var(--r); padding: 0 20px; margin-bottom: 10px; }
details.qa[open] { border-color: var(--gold); }
details.qa summary { cursor: pointer; font-weight: 600; padding: 17px 0; list-style: none; display: flex; justify-content: space-between; gap: 14px; align-items: flex-start; }
details.qa summary::-webkit-details-marker { display: none; }
details.qa summary::after { content: "+"; font-family: var(--f-display); font-size: 1.6rem; line-height: 1; color: var(--gold-ink); flex: none; }
details.qa[open] summary::after { content: "–"; }
details.qa .a { padding-bottom: 18px; }
details.qa .a p:last-child { margin-bottom: 0; }
.faq-group { margin-bottom: 40px; }
.faq-group > h2 { font-size: clamp(1.5rem, 1.2rem + 1.2vw, 2.1rem); }

/* ---------- Inner layout ---------- */
.layout { display: grid; grid-template-columns: minmax(0, 1fr) 380px; gap: 56px; align-items: start; padding-block: 56px 72px; }
.layout > aside { position: sticky; top: calc(env(safe-area-inset-top, 0px) + 104px); display: grid; gap: 16px; }
@media (max-width: 1000px) { .layout { grid-template-columns: minmax(0, 1fr); gap: 34px; } .layout > aside { position: static; } }
.prose h2 { font-size: clamp(1.5rem, 1.2rem + 1.2vw, 2.1rem); margin-top: 1.7em; color: var(--navy); }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.4em; }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1em; }
.prose li { margin-bottom: .45em; }
.prose li::marker { color: var(--gold-ink); }
.prose .table-wrap { margin: 18px 0 22px; }
.toc { background: var(--white); border: 1px solid var(--line); border-top: 3px solid var(--gold); border-radius: var(--r); padding: 18px 22px; margin-bottom: 30px; }
.toc h2 { font-family: var(--f-body); font-size: .8rem; text-transform: uppercase; letter-spacing: .2em; color: var(--gold-ink); margin: 0 0 8px; }
.toc ol { margin: 0; padding-left: 1.2em; }
.toc li { margin-bottom: 4px; }

.call-card { background: var(--navy); color: var(--ivory); border-radius: var(--r); padding: 26px; border: 1px solid rgba(201, 162, 77, .5); position: relative; }
.call-card::before { content: ""; position: absolute; inset: 0 0 auto; height: 3px; background: var(--brushed); }
.call-card p { margin: 0 0 10px; color: #C7CCD8; }
.big-phone { font: 800 clamp(1.7rem, 1.25rem + 1.6vw, 2.3rem)/1.1 var(--f-body); font-variant-numeric: lining-nums; letter-spacing: .01em; color: inherit; text-decoration: none; white-space: nowrap; }
.big-phone:hover { color: inherit; text-decoration: underline; text-decoration-color: var(--gold); }
.call-card .big-phone { display: inline-block; margin-bottom: 10px; background: var(--brushed); -webkit-background-clip: text; background-clip: text; color: transparent; }
.call-card .row { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
.call-card .row .btn { min-height: 48px; padding: 0 18px; font-size: 1rem; }
.call-note { font-size: 1rem; color: #C9CFDB; margin: 10px 0 0; }

/* ---------- Forms ---------- */
.form-card { background: var(--white); color: var(--ink); border-radius: var(--r); padding: 26px; box-shadow: var(--shadow); border: 1px solid var(--line); border-top: 4px solid var(--gold); min-width: 0; }
.form-card h2 { font-size: clamp(1.45rem, 1.2rem + 1vw, 1.9rem); margin-bottom: .3em; }
.form-card .sub { color: var(--muted); margin-bottom: 16px; }
.field { display: grid; gap: 6px; margin-bottom: 16px; min-width: 0; }
.field label, .legend { font-weight: 600; font-size: 1rem; }
.legend { display: block; margin-bottom: 8px; padding: 0; }
.opt { font-weight: 400; color: var(--muted); }
input[type=text], input[type=tel], input[type=email], input[type=number], select, textarea { width: 100%; min-height: 54px; padding: 12px 14px; border: 1px solid var(--line); border-radius: var(--r); background: var(--white); color: var(--ink); font: 400 1.0625rem/1.4 var(--f-body); }
input:focus, select:focus, textarea:focus { border-color: var(--gold); outline: none; box-shadow: 0 0 0 3px rgba(201, 162, 77, .3); }
input[aria-invalid="true"], select[aria-invalid="true"] { border-color: var(--burgundy); box-shadow: 0 0 0 2px rgba(107, 20, 38, .25); }
fieldset { border: 0; padding: 0; margin: 0 0 16px; min-width: 0; }
.choices { display: grid; gap: 8px; grid-template-columns: repeat(2, minmax(0, 1fr)); }
.choice { position: relative; display: block; }
.choice input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.choice span { display: flex; align-items: center; min-height: 52px; height: 100%; padding: 10px 14px; border: 1px solid var(--line); border-radius: var(--r); cursor: pointer; font-weight: 500; font-size: 1rem; line-height: 1.3; background: var(--white); }
.choice input:checked + span { border-color: var(--burgundy); background: rgba(107, 20, 38, .07); color: var(--burgundy); font-weight: 700; }
.choice input:focus-visible + span { outline: 3px solid var(--gold); outline-offset: 2px; }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: .92rem; line-height: 1.45; color: var(--muted); margin-bottom: 14px; cursor: pointer; }
.check input { width: 22px; height: 22px; flex: none; margin-top: 1px; accent-color: var(--burgundy); }
.progress { font-size: .92rem; color: var(--muted); margin-bottom: 14px; display: flex; gap: 10px; align-items: center; }
.progress .dots { display: flex; gap: 6px; }
.progress .dot { width: 30px; height: 4px; background: var(--line); display: block; }
.progress .dot.on { background: var(--brushed); }
.form-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.form-actions .btn { flex: 1 1 auto; }
.hp { position: absolute !important; left: -5000px !important; width: 1px; height: 1px; overflow: hidden; }
.fine { font-size: .88rem; color: var(--muted); line-height: 1.5; margin: 12px 0 0; }
.form-msg { padding: 14px 16px; border-radius: var(--r); background: rgba(201, 162, 77, .16); color: var(--ink); margin-top: 14px; }
.form-msg.err { background: var(--warn-bg); color: var(--warn-ink); }
@media (max-width: 400px) { .choices { grid-template-columns: minmax(0, 1fr); } }

/* ---------- Calculator ---------- */
.calc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 28px; align-items: start; }
.calc .inputs { background: var(--white); border: 1px solid var(--line); border-radius: var(--r); padding: 24px; }
.calc .inputs h3 { margin-top: 0; }
.money { position: relative; }
.money input { padding-left: 32px; }
.money::before { content: "$"; position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.pct { position: relative; }
.pct input { padding-right: 36px; }
.pct::after { content: "%"; position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.hint { font-size: .9rem; color: var(--muted); margin: 0; }
.result { display: grid; gap: 16px; }
.result .box { background: var(--white); border: 1px solid var(--line); border-radius: var(--r); padding: 22px; }
.result .box.us { border: 2px solid var(--burgundy); }
.result h3 { margin: 0 0 10px; font-family: var(--f-display); font-size: 1.35rem; }
.result dl { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 6px 16px; margin: 0; }
.result dt { color: var(--muted); }
.result dd { margin: 0; text-align: right; font-variant-numeric: tabular-nums lining-nums; font-weight: 600; }
.result .total dt, .result .total dd { border-top: 2px solid var(--line); padding-top: 8px; color: var(--ink); font-size: 1.15rem; font-weight: 700; }
.verdict { background: var(--ivory-2); border-left: 3px solid var(--gold); border-radius: var(--r); padding: 18px 20px; font-size: 1.05rem; }
.verdict strong { font-variant-numeric: tabular-nums lining-nums; color: var(--burgundy); }
@media (max-width: 860px) { .calc { grid-template-columns: minmax(0, 1fr); } }

/* ---------- People ---------- */
.person { display: flex; gap: 20px; align-items: flex-start; }
.monogram { width: 84px; height: 84px; border-radius: var(--r); flex: none; display: grid; place-items: center; background: var(--navy); color: var(--gold-l); font: 800 2rem/1 var(--f-display); border: 1.5px solid var(--gold); }
@media (max-width: 480px) { .person { flex-direction: column; } }

/* ---------- Region pages ---------- */
.city-list { columns: 3 14rem; column-gap: 24px; padding-left: 1.1em; margin: 0 0 1em; }
.city-list li { break-inside: avoid; margin-bottom: 6px; }
.city-list li::marker { color: var(--gold-ink); }
.city { border-top: 1px solid var(--line); padding-top: 22px; margin-top: 26px; }
.city h3 { font-family: var(--f-display); font-weight: 800; font-size: 1.45rem; }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(110deg, var(--burgundy-d) 0%, var(--burgundy) 55%, #3A1430 100%); color: var(--ivory); position: relative; }
.cta-band::before { content: ""; position: absolute; inset: 0 0 auto; height: 3px; background: var(--brushed); }
.cta-band .wrap { padding-block: 54px; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 28px; align-items: center; }
.cta-band h2 { color: var(--ivory); margin-bottom: .25em; font-size: clamp(1.7rem, 1.2rem + 2vw, 2.6rem); }
.cta-band p { color: #F1E3DA; margin: 0; font-size: 1.1rem; }
.cta-band .actions { display: flex; flex-wrap: wrap; gap: 12px; }
.cta-band .btn-ghost { color: var(--ivory); }
@media (max-width: 860px) { .cta-band .wrap { grid-template-columns: minmax(0, 1fr); } .cta-band .actions .btn { width: 100%; } }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #AAB2C2; padding-block: 56px 130px; border-top: 1px solid rgba(201, 162, 77, .35); font-size: .98rem; }
.site-footer a { color: #E3E6EC; text-decoration: none; }
.site-footer a:hover { color: var(--gold-l); }
.site-footer .brand { color: var(--ivory); }
.site-footer .brand .nm { color: var(--ivory); }
.foot-grid { display: grid; grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(0, 1fr)); gap: 30px; }
.foot-grid h4 { font-size: .75rem; text-transform: uppercase; letter-spacing: .22em; color: var(--gold); margin: 0 0 14px; }
.foot-grid ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 9px; }
.foot-brand p { max-width: 36ch; }
.foot-brand .big-phone { background: var(--brushed); -webkit-background-clip: text; background-clip: text; color: transparent; display: inline-block; }
.foot-legal { border-top: 1px solid rgba(255, 255, 255, .1); margin-top: 36px; padding-top: 20px; font-size: .86rem; color: #7F8AA0; line-height: 1.6; }
.foot-legal p { max-width: 110ch; }
@media (max-width: 900px) { .foot-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } .foot-brand { grid-column: 1 / -1; } }
@media (min-width: 1201px) { .site-footer { padding-bottom: 56px; } }

/* ---------- Floating call + mobile bar ---------- */
.bubble { position: fixed; right: calc(26px + env(safe-area-inset-right, 0px)); bottom: calc(26px + env(safe-area-inset-bottom, 0px)); width: 68px; height: 68px; border-radius: 50%; background: var(--brush-lines), var(--brushed); color: var(--navy); display: grid; place-items: center; box-shadow: 0 14px 30px rgba(0, 0, 0, .3); border: 2px solid var(--navy); z-index: 45; }
.bubble svg { width: 28px; height: 28px; }
.bubble:hover { color: var(--navy); filter: brightness(1.06); }
.mobile-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 55; display: none; gap: 8px; background: var(--navy); border-top: 1px solid rgba(201, 162, 77, .45); padding: 10px max(12px, env(safe-area-inset-right, 0px)) calc(12px + env(safe-area-inset-bottom, 0px)) max(12px, env(safe-area-inset-left, 0px)); }
.mobile-bar .btn { flex: 1 1 0; min-height: 52px; padding: 10px 8px; font-size: 1rem; gap: 8px; white-space: nowrap; }
.mobile-bar .btn svg { width: 20px; height: 20px; }
@media (max-width: 1200px) { .mobile-bar { display: flex; } .bubble { display: none; } }

@media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition: none !important; scroll-behavior: auto !important; } }

/* inline icons + misc */
.fine svg { width: 14px; height: 14px; display: inline-block; vertical-align: -2px; color: var(--gold); }
.qstep { min-width: 0; }
.promise { list-style: none; padding: 0; margin: 24px 0 28px; display: grid; gap: 12px; }
.promise li { display: flex; gap: 12px; align-items: flex-start; font-size: 1.08rem; color: #EFE6D3; }
.promise svg { width: 24px; height: 24px; flex: none; color: var(--gold-l); margin-top: 2px; }
.call-line { display: flex; flex-wrap: wrap; gap: 12px 18px; align-items: center; }
.hero .big-phone { background: var(--brushed); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero .call-note { color: #C9CFDB; }
@media (min-width: 1201px) { .nav .nav-en { display: none; } }
@media (max-width: 420px) { .brand small { display: none; } .site-header .bar { gap: 8px; } .header-call.btn { padding: 0 12px; } }
@media (max-width: 359px) { .header-call { display: none; } .menu-btn { margin-left: auto; } }