/* W15 design system — "ink & gold": deep navy ground, gold used only for money and primary actions.
   Dark is the default (ANCHOR: Fintech/Notion-dark); light is a user toggle. All colours are tokens. */
:root{
  --bg:#0b1220;--bg2:#0f1829;--card:#131d31;--card2:#192744;
  --line:#25344f;--ctrl:#7088ad;--bar:#f3b94d;
  --tx:#eaf0fa;--mut:#a9b8d0;
  --gold:#f3b94d;--gold-ink:#1a1203;--gold-tx:#f3b94d;
  --sky:#6cc6ff;--good:#5fd69a;--err:#ff8f8f;--warn:#f3b94d;
  --focus:#6cc6ff;--shadow:0 10px 30px rgba(0,0,0,.35);
  --r:14px;--r-sm:10px;
  --f-display:"Fraunces",Georgia,"Times New Roman",serif;
  --f-body:"Public Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  color-scheme:dark;
}
:root[data-theme="light"]{
  --bg:#f5f7fb;--bg2:#eaeff7;--card:#ffffff;--card2:#f0f4fb;
  --line:#d3dcec;--ctrl:#5d7194;--bar:#a96a00;
  --tx:#0d1a2e;--mut:#475874;
  --gold:#f3b94d;--gold-ink:#1a1203;--gold-tx:#7a4e00;
  --sky:#0b5cab;--good:#136c3f;--err:#b3261e;--warn:#7a4e00;
  --focus:#0b5cab;--shadow:0 10px 28px rgba(20,40,80,.12);
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;background:var(--bg);color:var(--tx);font:400 16px/1.6 var(--f-body);-webkit-font-smoothing:antialiased}
a{color:inherit}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
h1,h2,h3{margin:0 0 .5em;line-height:1.15;text-wrap:balance}
h1,h2{font-family:var(--f-display);font-weight:600;letter-spacing:-.015em}
h1{font-size:clamp(2.2rem,5.2vw,3.7rem)}
h2{font-size:clamp(1.6rem,3vw,2.2rem)}
h3{font-size:1.1rem;font-weight:650}
p{margin:0 0 1em}
.sub{color:var(--mut);max-width:640px}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:6px}
.skip{position:absolute;left:12px;top:-60px;background:var(--gold);color:var(--gold-ink);padding:10px 16px;border-radius:8px;font-weight:700;z-index:300;text-decoration:none}
.skip:focus{top:12px}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-tx);margin-bottom:12px}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:44px;border:1px solid var(--ctrl);background:transparent;color:var(--tx);padding:10px 18px;border-radius:var(--r-sm);font:600 .95rem var(--f-body);cursor:pointer;text-decoration:none;transition:transform .12s,background .12s,border-color .12s}
.btn:hover{background:var(--card2);border-color:var(--gold)}
.btn:active{transform:translateY(1px)}
.btn.primary{background:var(--gold);color:var(--gold-ink);border-color:var(--gold)}
.btn.primary:hover{filter:brightness(1.07);background:var(--gold)}
.btn.ghost{border-color:transparent}
.btn.ghost:hover{border-color:var(--line)}
.btn:disabled{opacity:.5;cursor:not-allowed}

/* header + mega menu */
header{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--bg) 90%,transparent);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:8px;height:64px}
.logo{font:700 1.2rem var(--f-display);margin-right:16px;text-decoration:none;letter-spacing:-.01em}
.logo span{color:var(--gold-tx)}
.menu{display:flex;gap:2px;flex:1;margin:0;padding:0}
.menu>li{list-style:none;position:static}
.menu>li>button,.menu>li>a{background:none;border:0;color:var(--tx);font:500 .95rem var(--f-body);min-height:44px;padding:8px 12px;border-radius:8px;cursor:pointer;display:flex;align-items:center;text-decoration:none}
.menu>li>button:hover,.menu>li>a:hover,.menu>li.open>button{background:var(--card2)}
.menu a[aria-current=page]{color:var(--gold-tx);text-decoration:underline;text-underline-offset:6px}
.mega{display:none;position:absolute;left:0;right:0;top:48px;background:var(--bg2);border-bottom:1px solid var(--line);box-shadow:var(--shadow);padding:40px 0 26px}
li.open .mega{display:block}
.mega .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.mega h4{margin:0 0 8px;color:var(--sky);font-size:.75rem;text-transform:uppercase;letter-spacing:.1em}
.mega a{display:block;padding:7px 0;color:var(--mut);text-decoration:none}
.mega a:hover{color:var(--tx);text-decoration:underline}
.nav-right{display:flex;gap:8px;align-items:center}
.theme-btn{min-width:44px;padding:8px}
.burger{display:none}
.acct{color:var(--mut);font-size:.9rem}

/* hero */
.hero{padding:64px 0 48px;background:radial-gradient(900px 420px at 85% -10%,color-mix(in srgb,var(--sky) 14%,transparent),transparent),radial-gradient(700px 400px at 0% 0%,color-mix(in srgb,var(--gold) 10%,transparent),transparent)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.hero p.lead{color:var(--mut);font-size:1.15rem;max-width:560px}
.hero h1 em{font-style:italic;color:var(--gold-tx)}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0}
.badges{display:flex;flex-wrap:wrap;gap:10px;margin-top:8px}
.badge{border:1px solid var(--line);background:var(--card);border-radius:999px;padding:6px 14px;font-size:.85rem;color:var(--mut)}
.badge b{color:var(--tx)}
.receipt{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px 22px 18px;box-shadow:var(--shadow);position:relative}
.receipt::after{content:"";position:absolute;left:14px;right:14px;bottom:-9px;height:9px;background:radial-gradient(circle at 7px 0,var(--bg) 6px,transparent 6.5px) 0 0/14px 9px repeat-x;opacity:.9}
.receipt .tag{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--mut)}
.receipt .amt{font:600 2.8rem/1.1 var(--f-display);color:var(--gold-tx);font-variant-numeric:tabular-nums;margin:6px 0 2px}
.receipt dl{margin:14px 0 0;display:grid;gap:0}
.receipt .line{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-top:1px dashed var(--line);color:var(--mut);font-size:.92rem}
.receipt .line b{color:var(--tx);font-variant-numeric:tabular-nums}
.receipt .ex{font-size:.78rem;color:var(--mut);margin:12px 0 0}

section{padding:64px 0}
[id]{scroll-margin-top:80px}
section.alt{background:var(--bg2);border-block:1px solid var(--line)}

/* tools */
.tabs{display:flex;gap:6px;margin:22px 0 18px;flex-wrap:wrap}
.tab{min-height:44px;background:var(--card);border:1px solid var(--ctrl);color:var(--mut);padding:9px 16px;border-radius:var(--r-sm);cursor:pointer;font:600 .95rem var(--f-body)}
.tab[aria-selected=true]{color:var(--gold-ink);background:var(--gold);border-color:var(--gold)}
.panel{display:none;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:20px;align-items:start}
.panel.on{display:grid}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px}
label{display:block;font-size:.88rem;color:var(--mut);margin:16px 0 6px}
label:first-child{margin-top:0}
select,input[type=text],input[type=email],input[type=tel],input[type=number]{width:100%;min-height:44px;background:var(--bg);color:var(--tx);border:1px solid var(--ctrl);border-radius:var(--r-sm);padding:10px 12px;font:inherit}
input[type=range]{width:100%;accent-color:var(--gold);height:28px;margin:0}
.row{display:flex;justify-content:space-between;align-items:baseline;gap:12px}
.row output{font-weight:700;color:var(--gold-tx);font-variant-numeric:tabular-nums}
.chk{display:flex;gap:10px;align-items:center;margin:10px 0;color:var(--tx);font-size:.95rem;min-height:32px}
.chk input{accent-color:var(--gold);width:20px;height:20px}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 4px}
.chip{min-height:44px;border:1px solid var(--ctrl);background:var(--bg);color:var(--tx);border-radius:999px;padding:8px 16px;font:600 .9rem var(--f-body);cursor:pointer}
.chip[aria-pressed=true]{background:var(--gold);color:var(--gold-ink);border-color:var(--gold)}
.field{display:grid;grid-template-columns:1fr 132px;gap:12px;align-items:center}
.field input[type=number]{text-align:right;font-variant-numeric:tabular-nums}
.hint{font-size:.82rem;color:var(--mut);margin:6px 0 0}
.big{font:600 clamp(2.4rem,5vw,3.1rem)/1.05 var(--f-display);color:var(--gold-tx);letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.res-row{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px solid var(--line);color:var(--mut);font-size:.94rem}
.res-row b{color:var(--tx);font-variant-numeric:tabular-nums;text-align:right}
.bar{height:10px;border-radius:6px;background:var(--bg);overflow:hidden;margin:12px 0 4px;display:flex}
.bar i{display:block;height:100%;transition:width .25s}
.legend{font-size:.8rem;color:var(--mut);margin:0 0 10px}
.dot{display:inline-block;width:10px;height:10px;border-radius:3px;margin:0 4px 0 0;vertical-align:baseline}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.disc{font-size:.8rem;color:var(--mut);margin:14px 0 0}
.ladder{margin:16px 0 4px;display:grid;gap:6px}
.ladder h4{margin:0 0 2px;font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mut)}
.lrow{display:grid;grid-template-columns:44px 1fr 88px;gap:10px;align-items:center;font-size:.82rem;font-variant-numeric:tabular-nums;color:var(--mut)}
.lrow .track{height:12px;border-radius:4px;background:var(--bg);overflow:hidden}
.lrow .fill{display:block;height:100%;background:var(--bar);border-radius:4px;transition:width .25s}
.lrow.on{color:var(--tx)}
.lrow .t{text-align:right}
.tl{list-style:none;margin:0;padding:0}
.tl li{display:flex;gap:14px;padding:12px 0;border-bottom:1px solid var(--line)}
.tl time{min-width:96px;color:var(--sky);font-weight:600;font-variant-numeric:tabular-nums}
.tl small{display:block;color:var(--mut)}
.hist{margin-top:12px;font-size:.9rem;color:var(--mut)}

/* services / content */
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:26px}
.cards .card p{color:var(--mut);margin:0;font-size:.95rem}
.tbl-wrap{overflow-x:auto;margin-top:20px}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{padding:12px;border-bottom:1px solid var(--line);text-align:left}
th{color:var(--mut);font-weight:600}
td.y{color:var(--good);font-weight:600}td.n{color:var(--err)}
.callout{background:var(--card);border:1px solid var(--gold);border-radius:var(--r);padding:22px;margin:30px 0;display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.callout p{margin:0;color:var(--mut)}
details{background:var(--card);border:1px solid var(--line);border-radius:var(--r);margin:10px 0;padding:0 18px}
summary{cursor:pointer;padding:16px 0;font-weight:600;min-height:44px}
details>div{padding:0 0 14px;color:var(--mut)}
details>div p{margin:0 0 8px}
.phero{padding:56px 0 30px;border-bottom:1px solid var(--line);background:radial-gradient(700px 300px at 90% -20%,color-mix(in srgb,var(--sky) 14%,transparent),transparent)}
.phero p{color:var(--mut);max-width:680px;font-size:1.05rem}
.crumb{font-size:.85rem;color:var(--mut);margin-bottom:10px}
.crumb a{text-decoration:underline}
.svc{scroll-margin-top:84px;display:grid;grid-template-columns:240px minmax(0,1fr);gap:24px;padding:26px 0;border-bottom:1px solid var(--line)}
.svc h3{margin:0 0 10px}
.svc ul{margin:8px 0 0;padding-left:20px;color:var(--mut)}
.svc p{margin:0 0 8px;color:var(--mut)}
.team{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:20px}
.team .card b{display:block}
.team .card span{color:var(--mut);font-size:.9rem}
.two{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:20px}
textarea{width:100%;background:var(--bg);color:var(--tx);border:1px solid var(--ctrl);border-radius:var(--r-sm);padding:10px 12px;font:inherit;min-height:110px;resize:vertical}
.saved{display:flex;justify-content:space-between;gap:12px;align-items:center;padding:14px 0;border-bottom:1px solid var(--line)}
.saved small{display:block;color:var(--mut)}

footer{border-top:1px solid var(--line);padding:36px 0;color:var(--mut);font-size:.9rem}
footer .cols{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}
footer a{text-decoration:underline;text-underline-offset:3px}

/* modal */
.modal{position:fixed;inset:0;background:rgba(3,8,18,.7);display:none;align-items:center;justify-content:center;z-index:100;padding:16px}
.modal.on{display:flex}
.dlg{background:var(--bg2);border:1px solid var(--ctrl);border-radius:18px;padding:26px;width:100%;max-width:440px;max-height:92vh;overflow:auto;box-shadow:var(--shadow)}
.dlg .x{float:right;background:none;border:0;color:var(--mut);font-size:1.6rem;cursor:pointer;min-width:44px;min-height:44px;margin:-10px -10px 0 0}
.err{color:var(--err);font-size:.82rem;min-height:1.2em;margin-top:4px}
.toast{position:fixed;bottom:20px;left:50%;transform:translateX(-50%);background:var(--gold);color:var(--gold-ink);padding:12px 20px;border-radius:12px;font-weight:700;display:none;z-index:200;max-width:92vw;box-shadow:var(--shadow)}
.toast.on{display:block}

#print-area{display:none}
@media print{body>*:not(#print-area){display:none!important}#print-area{display:block!important;background:#fff;color:#000;padding:24px;font-family:Arial,sans-serif}#print-area table{color:#000}#print-area th,#print-area td{border-bottom:1px solid #ccc;color:#000}}

@media(max-width:900px){
  .hero-grid,.panel.on,.two,.svc{grid-template-columns:minmax(0,1fr)}
  .cards,.team,.mega .grid{grid-template-columns:minmax(0,1fr)}
  .burger{display:inline-flex;margin-left:auto}
  .menu{display:none;position:absolute;top:64px;left:0;right:0;background:var(--bg2);flex-direction:column;padding:10px 20px;border-bottom:1px solid var(--line);max-height:80vh;overflow:auto}
  .menu.show{display:flex}
  .mega{position:static;padding:8px 0;box-shadow:none;border:0}
  .nav-right .acct{display:none}
  section{padding:48px 0}
}
@media(max-width:480px){.field{grid-template-columns:1fr 112px}.lrow{grid-template-columns:40px 1fr 74px}}

.demo-bar{background:var(--card2);color:var(--mut);border-bottom:1px solid var(--line);font-size:.82rem;text-align:center;padding:6px 16px}
.demo-bar b{color:var(--tx)}
@media(max-width:480px){.actions .btn{flex:1 1 100%}.actions .btn.primary{order:-1}}
.nav-right .btn{white-space:nowrap}
@media(max-width:600px){.nav-right .btn.primary{display:none}.logo{margin-right:4px}.nav{gap:4px}}