/* ================================================================
   Jon Tober — site styles
   Palette and type deliberately match the calculators so the tools
   feel like part of the page rather than something bolted on.
   ================================================================ */

:root{
  --ink:#16233F;
  --ink-2:#1D2C4C;
  --ink-soft:#3D4A66;
  --paper:#F4F6F8;
  --card:#FFFFFF;
  --line:#DDE3EC;
  --line-dark:rgba(255,255,255,.14);
  --blue:#0A4DA2;
  --gold:#FFE066;
  --gain:#1E7A4E;
  --pain:#B3382E;
  --mute:#8FA3C4;
  --radius:14px;
  --wrap:1120px;
  --ease:cubic-bezier(.22,.61,.36,1);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:82px}
body{
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  background:var(--paper);
  color:var(--ink);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit}
button{font:inherit;color:inherit}
/* Author `display` rules beat the UA sheet's [hidden] rule, so make it stick. */
[hidden]{display:none !important}

.display{
  font-family:'Archivo','Inter',sans-serif;
  font-stretch:110%;
  font-weight:850;
  letter-spacing:-.022em;
  line-height:1.04;
}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}

.skip{
  position:absolute;left:-9999px;top:0;z-index:200;
  background:var(--gold);color:#1c1503;padding:12px 18px;font-weight:600;border-radius:0 0 8px 0;
}
.skip:focus{left:0}

:focus-visible{outline:2.5px solid var(--gold);outline-offset:3px;border-radius:4px}

/* ------------------------------ buttons ------------------------------ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  border:none;cursor:pointer;text-decoration:none;
  font-weight:600;font-size:15px;padding:14px 26px;border-radius:10px;
  transition:transform .14s var(--ease), box-shadow .14s var(--ease), background .14s var(--ease);
}
.btn:active{transform:scale(.98)}
.btn-gold{background:var(--gold);color:#1c1503;box-shadow:0 1px 0 rgba(0,0,0,.06)}
.btn-gold:hover{box-shadow:0 8px 22px -8px rgba(255,224,102,.9);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.34)}
.btn-ghost:hover{border-color:rgba(255,255,255,.7);transform:translateY(-1px)}
.btn-sm{padding:10px 18px;font-size:14px}
.btn-block{display:flex;width:100%}

/* ------------------------------ top bar ------------------------------ */
.topbar{
  position:sticky;top:0;z-index:100;
  background:rgba(244,246,248,.86);
  backdrop-filter:saturate(140%) blur(12px);
  border-bottom:1px solid var(--line);
  transition:box-shadow .2s var(--ease);
}
.topbar.is-stuck{box-shadow:0 6px 24px -18px rgba(22,35,63,.55)}
.topbar-inner{display:flex;align-items:center;gap:28px;height:72px}
.topbar-brand img{height:42px;width:auto}
.topnav{display:flex;align-items:center;gap:26px;margin-left:auto}
.topnav > a,.menu-btn{
  background:none;border:none;cursor:pointer;
  font-size:14.5px;font-weight:600;text-decoration:none;color:var(--ink-soft);
  padding:6px 0;position:relative;
}
.topnav > a::after,.menu-btn::after{
  content:"";position:absolute;left:0;right:100%;bottom:0;height:2px;background:var(--blue);
  transition:right .25s var(--ease);
}
.topnav > a:hover::after,.menu-btn:hover::after,.menu[data-open] .menu-btn::after{right:0}
.topnav > a:hover,.menu-btn:hover{color:var(--ink)}

.menu{position:relative}
.menu-btn{display:inline-flex;align-items:center;gap:7px}
.menu-btn .caret{
  width:8px;height:8px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;
  transform:rotate(45deg) translateY(-2px);transition:transform .2s var(--ease);
}
.menu[data-open] .menu-btn .caret{transform:rotate(-135deg) translateY(-2px)}
.menu-panel{
  position:absolute;top:calc(100% + 14px);right:0;min-width:300px;
  background:var(--card);border:1px solid var(--line);border-radius:12px;
  box-shadow:0 24px 50px -28px rgba(22,35,63,.5);
  padding:8px;overflow:hidden;
}
.menu-panel a{
  display:block;padding:11px 14px;border-radius:8px;text-decoration:none;
  transition:background .14s var(--ease);
}
.menu-panel a:hover{background:var(--paper)}
.menu-panel .mi-name{display:block;font-weight:650;font-size:14.5px}
.menu-panel .mi-tag{display:block;font-size:12.5px;color:var(--ink-soft);margin-top:2px}
.menu-panel .mi-num{
  font-family:'IBM Plex Mono',monospace;font-size:11px;color:var(--blue);
  letter-spacing:.06em;
}

.topbar-cta{margin-left:4px}

.hamburger{display:none;background:none;border:none;cursor:pointer;padding:10px;margin-left:auto}
.hamburger span{display:block;width:22px;height:2px;background:var(--ink);border-radius:2px;transition:transform .22s var(--ease),opacity .18s}
.hamburger span + span{margin-top:5px}
.hamburger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger[aria-expanded="true"] span:nth-child(2){opacity:0}
.hamburger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

.mobile-nav{border-top:1px solid var(--line);background:var(--paper);padding:10px 24px 20px}
.mobile-nav a{
  display:block;padding:13px 0;text-decoration:none;font-weight:600;
  border-bottom:1px solid var(--line);
}
.mobile-nav a:last-child{border-bottom:none}
.mobile-nav .mi-tag{display:block;font-weight:400;font-size:13px;color:var(--ink-soft)}

/* ------------------------------ hero ------------------------------ */
.hero{
  position:relative;overflow:hidden;
  background:
    radial-gradient(120% 90% at 88% -10%, #24365C 0%, rgba(36,54,92,0) 58%),
    linear-gradient(180deg,#16233F 0%,#132038 100%);
  color:#fff;
  padding:78px 0 88px;
}
.hero::before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px);
  background-size:100% 34px;
  mask-image:linear-gradient(180deg,transparent,#000 22%,#000 70%,transparent);
}
.hero-glyph{
  position:absolute;right:-58px;top:-96px;line-height:1;pointer-events:none;
  font-family:'Archivo',sans-serif;font-weight:900;font-size:clamp(240px,34vw,440px);
  color:rgba(255,255,255,.042);
}
.hero-inner{
  position:relative;
  display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center;
}

.hero h1{font-size:clamp(34px,5vw,60px);margin-bottom:20px;max-width:16ch}
.hero h1 .hi{position:relative;color:var(--gold);white-space:nowrap}
.hero h1 .hi::after{
  content:"";position:absolute;left:-1%;right:-1%;top:50%;height:5px;
  background:var(--pain);border-radius:3px;transform:translateY(-50%) rotate(-1.2deg);
  transform-origin:left center;
}
.hero-sub{font-size:17.5px;color:#C6D2E6;max-width:56ch;margin-bottom:30px;white-space:pre-line}
.cta-row{display:flex;gap:12px;flex-wrap:wrap}
.badges{list-style:none;display:flex;flex-wrap:wrap;gap:8px 10px;margin-top:30px}
.badges li{
  font-size:12.5px;color:#B9C8E2;
  border:1px solid var(--line-dark);border-radius:999px;padding:6px 13px;
  background:rgba(255,255,255,.03);
}

/* hero figure */
.hero-fig{
  background:rgba(255,255,255,.045);
  border:1px solid var(--line-dark);
  border-radius:16px;padding:24px;
  box-shadow:0 40px 80px -50px rgba(0,0,0,.8);
}
.fig-cap{
  font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.14em;
  text-transform:uppercase;color:var(--mute);margin-bottom:18px;
}
.stack{display:flex;flex-direction:column;gap:14px}
.stack-row{display:grid;grid-template-columns:1fr;gap:6px}
.stack-label{display:flex;justify-content:space-between;font-size:13px;color:#D5DFF1}
.stack-label em{font-family:'IBM Plex Mono',monospace;font-style:normal;color:var(--mute)}
.stack-bar{
  height:10px;border-radius:5px;transform-origin:left center;
  width:var(--w);
  animation:grow .9s var(--ease) both;
}
.stack-row:nth-child(1) .stack-bar{animation-delay:.05s}
.stack-row:nth-child(2) .stack-bar{animation-delay:.14s}
.stack-row:nth-child(3) .stack-bar{animation-delay:.23s}
.stack-row:nth-child(4) .stack-bar{animation-delay:.32s}
.stack-bar.mortgage{background:linear-gradient(90deg,#2E5FA8,#4C82D4)}
.stack-bar.debt{background:linear-gradient(90deg,#8E2F27,#C4483C)}
@keyframes grow{from{transform:scaleX(0);opacity:.2}to{transform:scaleX(1);opacity:1}}

.fig-foot{
  display:flex;align-items:baseline;justify-content:space-between;gap:12px;
  margin-top:22px;padding-top:18px;border-top:1px solid var(--line-dark);
}
.fig-foot-k{font-size:13px;color:#C6D2E6}
.fig-foot-v{
  font-family:'Archivo',sans-serif;font-weight:850;font-stretch:110%;
  font-size:34px;color:var(--gold);letter-spacing:-.02em;
}
.fig-note{font-size:11.5px;color:#7F92B4;margin-top:12px}

/* ------------------------------ stat bar ------------------------------ */
.statbar{background:var(--ink-2);color:#fff;border-top:1px solid rgba(255,255,255,.07)}
.statbar-inner{
  display:grid;grid-template-columns:repeat(12,minmax(0,1fr));
}
.stat{
  grid-column:span 3;padding:24px 26px;border-top:1px solid rgba(255,255,255,.09);
  border-left:1px solid rgba(255,255,255,.09);
}
.stat:nth-child(3){border-left:none}
.stat--featured{
  grid-column:span 6;padding:30px 28px;border-top:none;
  background:transparent;
}
.stat--featured:first-child{border-left:none}
.stat-eyebrow{
  font-family:'IBM Plex Mono',monospace;font-size:10px;letter-spacing:.16em;
  text-transform:uppercase;color:#fff;margin-bottom:12px;
}
.stat-figure{
  font-family:'Archivo',sans-serif;font-weight:850;font-stretch:110%;
  font-size:38px;letter-spacing:-.03em;line-height:1;
}
.stat--featured .stat-figure{font-size:48px}
.stat-figure .pre{color:var(--gold);font-size:.62em;vertical-align:.24em;margin-right:1px}
.stat-label{
  font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.12em;
  text-transform:uppercase;color:var(--mute);margin-top:9px;line-height:1.45;
}
.stat--featured .stat-label{
  max-width:32ch;font-family:'Inter',sans-serif;font-size:15px;letter-spacing:0;
  text-transform:none;color:#DDE6F5;margin-top:10px;line-height:1.4;
}

/* ------------------------------ sections ------------------------------ */
.section{padding:86px 0;position:relative}
.section + .section{border-top:1px solid var(--line)}
.sec-num{
  font-family:'IBM Plex Mono',monospace;font-size:12px;color:var(--blue);
  letter-spacing:.08em;margin-bottom:14px;
}
.sec-num.light{color:var(--gold)}
.sec-tag{
  font-family:'IBM Plex Mono',monospace;
  font-size:11.5px;letter-spacing:.18em;text-transform:uppercase;
  color:var(--ink-soft);margin-bottom:12px;
}
.sec-tag.light{color:#9FB4D8}
.sec-head{font-size:clamp(26px,3.7vw,42px);max-width:20ch;margin-bottom:16px}
.sec-head.light{color:#fff}
.lede{color:var(--ink-soft);font-size:16.5px;max-width:62ch}
.lede.light{color:#C6D2E6}

/* ------------------------------ about ------------------------------ */
.about-grid{
  display:grid;grid-template-columns:200px minmax(0,1fr);
  gap:44px;align-items:start;margin-top:44px;max-width:1000px;
}
.about-portrait{position:sticky;top:104px}
.about-portrait img{border-radius:14px;border:1px solid var(--line);width:100%}
.monogram{
  aspect-ratio:4/5;border-radius:14px;
  background:linear-gradient(160deg,var(--ink) 0%,#22355C 100%);
  color:var(--gold);display:grid;place-items:center;
  font-family:'Archivo',sans-serif;font-weight:850;font-stretch:110%;font-size:60px;
  letter-spacing:-.03em;position:relative;overflow:hidden;
}
.monogram::after{
  content:"";position:absolute;inset:0;
  background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px);
  background-size:100% 12px;
}
.about-body p{font-size:17px;color:var(--ink-soft);margin-bottom:18px;max-width:60ch}
.about-signoff{
  margin-top:36px;font-family:'IBM Plex Mono',monospace;font-size:12.5px;
  color:var(--ink-soft);letter-spacing:.02em;
}

/* the team working on every file */
.team{margin-top:44px;padding-top:26px;border-top:1px solid var(--line)}
.team-title{
  font-family:'IBM Plex Mono',monospace;font-size:15px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--ink-soft);margin-bottom:16px;
}
.team-row{
  list-style:none;display:grid;gap:18px;
  grid-template-columns:repeat(auto-fit,minmax(190px,1fr));
}
.team-row li{border-left:2px solid var(--gold);padding-left:14px}
.team-who{display:block;font-weight:650;font-size:18px}
.team-what{display:block;font-size:15px;color:var(--ink-soft)}

/* ------------------------------ (03) the argument ------------------------------ */
/* credentials strip — the three big numbers under the lede */
.creds{
  list-style:none;margin-top:34px;
  /* 160px, not 190: three tiles must survive to the 760px breakpoint,
     or the third drops to a half-width row of its own */
  display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:2px;
  background:var(--line);border:1px solid var(--line);border-radius:var(--radius);
  overflow:hidden;
}
.cred{background:var(--card);padding:24px 26px}
.cred-figure{
  font-family:'Archivo',sans-serif;font-weight:850;font-stretch:110%;
  font-size:clamp(32px,4.4vw,44px);letter-spacing:-.028em;line-height:1;
  color:var(--ink);
}
/* same proportions as .stat-figure .pre, so $ and + read alike in both strips */
.cred-figure .pre,.cred-figure .suf{color:var(--blue);font-size:.62em;vertical-align:.24em}
.cred-figure .pre{margin-right:1px}
.cred-label{
  font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.13em;
  text-transform:uppercase;color:var(--ink-soft);margin-top:10px;line-height:1.5;
}

.points{
  list-style:none;counter-reset:pt;
  margin-top:44px;display:grid;gap:1px;background:var(--line);
  border-top:1px solid var(--line);border-bottom:1px solid var(--line);
}
/* Three grid items in two columns, so every cell is placed explicitly —
   left to auto-placement the paragraph lands in the 56px number column. */
.point{
  counter-increment:pt;background:var(--paper);
  display:grid;grid-template-columns:56px minmax(0,1fr);
  column-gap:22px;row-gap:0;
  padding:26px 0;
}
.point::before{
  content:"0" counter(pt);grid-area:1 / 1;
  font-family:'IBM Plex Mono',monospace;font-size:12px;color:var(--blue);
  letter-spacing:.08em;
  /* sized so the digits sit on the heading's cap line, not below it */
  line-height:1.55;
}
.point-k{
  grid-area:1 / 2;
  font-family:'Archivo',sans-serif;font-weight:850;font-stretch:110%;
  font-size:19px;letter-spacing:-.015em;line-height:1.25;margin-bottom:7px;
}
/* 60ch, not 62: the 78px indent would otherwise push the ragged right
   edge past the lede's and the column would stop reading as one block. */
.point-v{grid-area:2 / 2;color:var(--ink-soft);font-size:15.5px;max-width:60ch}

.programs{
  margin-top:44px;background:var(--card);border:1px solid var(--line);
  border-radius:var(--radius);padding:28px 30px;
}
.programs-title{
  font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.16em;
  text-transform:uppercase;color:var(--ink-soft);margin-bottom:16px;
}
.programs ul{
  list-style:none;display:grid;gap:10px 26px;
  grid-template-columns:repeat(auto-fit,minmax(250px,1fr));
}
.programs li{
  font-size:15px;color:var(--ink);padding-left:22px;position:relative;
}
.programs li::before{
  /* rotated 45°, so the 9px square's diagonal reaches 1.9px past its own box —
     left:2px is what puts the diamond's tip on the text column's edge */
  content:"";position:absolute;left:2px;top:.53em;
  width:9px;height:9px;border-radius:2px;background:var(--gold);
  transform:rotate(45deg);
}
.programs-note{
  margin-top:20px;padding-top:16px;border-top:1px solid var(--line);
  font-size:12px;color:#6C7A94;line-height:1.7;
}

/* ------------------------------ calculator directory ------------------------------ */
.tools-actions{margin-top:26px}
.tool-grid{
  display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:44px;
}
.tool-card{
  min-height:250px;display:flex;flex-direction:column;padding:24px;
  color:var(--ink);text-decoration:none;background:var(--card);
  border:1.5px solid var(--line);border-radius:16px;position:relative;overflow:hidden;
  transition:transform .2s var(--ease),border-color .2s var(--ease),box-shadow .2s var(--ease);
}
.tool-card::after{
  content:"";position:absolute;right:-52px;bottom:-66px;width:150px;height:150px;
  border-radius:50%;background:#E7F0FD;transition:transform .25s var(--ease);
}
.tool-card:hover{transform:translateY(-4px);border-color:#A9C8EF;box-shadow:0 24px 50px -38px rgba(22,35,63,.8)}
.tool-card:hover::after{transform:scale(1.12)}
.tool-card-num{
  font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.12em;color:var(--blue);
}
.tool-card-body{display:block;margin-top:38px;position:relative;z-index:1}
.tool-card-name{
  display:block;font-family:'Archivo',sans-serif;font-weight:850;font-stretch:110%;
  font-size:clamp(24px,2.6vw,32px);letter-spacing:-.025em;line-height:1.08;
}
.tool-card-tag{display:block;margin-top:10px;color:var(--ink-soft);font-size:15px;line-height:1.5}
.tool-card-action{
  display:flex;align-items:center;justify-content:space-between;gap:12px;margin-top:auto;padding-top:28px;
  font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.1em;text-transform:uppercase;
  color:var(--blue);font-weight:500;position:relative;z-index:1;
}
.tool-card-arrow{font-family:'Archivo',sans-serif;font-size:24px;line-height:1}
.disclaimer{
  margin-top:34px;font-size:12.5px;color:var(--ink-soft);max-width:74ch;
  padding-left:16px;border-left:2px solid var(--line);
}

/* ------------------------------ dedicated calculator pages ------------------------------ */
.calculator-page{background:var(--paper)}
.calculator-page .topbar-brand{height:44px}
.calculator-page-main{padding-top:var(--nav-h)}
.calculator-page-hero{
  padding:52px 0 34px;background:
    radial-gradient(70% 120% at 100% 0%,rgba(60,112,181,.14),transparent 62%),
    var(--paper);border-bottom:1px solid var(--line);
}
.calculator-back{
  display:inline-flex;align-items:center;gap:8px;margin-bottom:24px;color:var(--blue);
  text-decoration:none;font-family:'IBM Plex Mono',monospace;font-size:11px;
  letter-spacing:.1em;text-transform:uppercase;font-weight:500;
}
.calculator-page-hero h1{max-width:18ch;font-size:clamp(40px,7vw,72px)}
.calculator-page-hero .lede{max-width:54ch;margin-top:14px}
.move-smart-hero-title{
  max-width:23ch;margin-top:18px;font-family:'Archivo',sans-serif;font-size:clamp(25px,4vw,40px);
  line-height:1.08;letter-spacing:-.025em;color:var(--ink);
}
.move-smart-hero-copy{display:grid;gap:10px;max-width:68ch;margin-top:18px;color:var(--ink-soft)}
.move-smart-hero-copy p{font-size:16.5px;line-height:1.7}
.calculator-page-section{padding:32px 0 72px}
.calculator-shell{
  overflow:hidden;background:var(--card);border:1px solid var(--line);border-radius:16px;
  box-shadow:0 30px 70px -50px rgba(22,35,63,.75);
}
.calculator-shell-bar{
  display:flex;align-items:center;gap:8px;padding:12px 16px;background:var(--ink);
  border-bottom:1px solid rgba(255,255,255,.08);
}
.calculator-shell-dot{width:9px;height:9px;border-radius:50%;background:rgba(255,255,255,.22)}
.calculator-shell-title{
  margin-left:8px;font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--mute);
}
.calculator-frame{width:100%;min-height:1700px;border:0;display:block;background:var(--paper)}
.calculator-loading{padding:42px 28px;color:var(--ink-soft);font-size:14px}
.calculator-page-note{
  margin-top:22px;font-size:12px;line-height:1.7;color:#6C7A94;max-width:82ch;
}
.move-smart-explainer{
  margin-top:34px;padding:clamp(28px,5vw,54px);border:1px solid var(--line);border-radius:16px;
  background:linear-gradient(145deg,#FFFFFF 0%,#F3F7FC 100%);
}
.move-smart-explainer h2{
  max-width:18ch;margin-top:8px;font-family:'Archivo',sans-serif;font-size:clamp(30px,4.5vw,48px);
  line-height:1.05;letter-spacing:-.035em;color:var(--ink);
}
.move-smart-explainer-copy{display:grid;gap:16px;max-width:76ch;margin-top:24px}
.move-smart-explainer-copy p{font-size:16px;line-height:1.75;color:var(--ink-soft)}
.calculator-page-contact{
  display:flex;align-items:center;justify-content:space-between;gap:22px;margin-top:28px;
  padding:22px 24px;border-radius:14px;background:#E7F0FD;border:1px solid #C3D8F5;
}
.calculator-page-contact p{font-size:14px;color:#315E97;max-width:58ch}

/* ------------------------------ proof ------------------------------ */
.quotes{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));
  gap:20px;margin-top:40px;
}
.quote{
  background:var(--card);border:1px solid var(--line);border-radius:14px;padding:26px;
  position:relative;
}
.quote:nth-child(2){transform:translateY(18px)}
.quote-mark{
  font-family:'Archivo',sans-serif;font-weight:900;font-size:52px;color:var(--gold);
  line-height:.6;display:block;margin-bottom:14px;
}
.quote p{font-size:16px;color:var(--ink);margin-bottom:18px}
.quote .who{font-weight:650;font-size:14px}
.quote .detail{font-size:13px;color:var(--ink-soft);margin-top:2px}

.scores{display:flex;flex-wrap:wrap;gap:34px;margin-top:52px;padding-top:26px;border-top:1px solid var(--line)}
.score .sc-plat{
  font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.14em;
  text-transform:uppercase;color:var(--ink-soft);
}
.score .sc-val{
  font-family:'Archivo',sans-serif;font-weight:850;font-stretch:110%;font-size:26px;margin-top:6px;
}
.score .sc-val .star{color:var(--gold)}
.score .sc-count{font-size:12.5px;color:var(--ink-soft)}
.proof-note{
  margin-top:24px;font-family:'IBM Plex Mono',monospace;
  font-size:11.5px;letter-spacing:.04em;color:#6C7A94;
}

/* ------------------------------ contact ------------------------------ */
.contact{
  background:
    radial-gradient(90% 120% at 12% 0%, #24365C 0%, rgba(36,54,92,0) 60%),
    var(--ink);
  color:#fff;border-top:none;
}
.contact-inner{
  display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;
}
.contact-card{
  background:rgba(255,255,255,.05);border:1px solid var(--line-dark);
  border-radius:16px;padding:26px;
}
.contact-line{
  display:flex;align-items:baseline;justify-content:space-between;gap:14px;
  padding:15px 0;border-bottom:1px solid var(--line-dark);
  text-decoration:none;font-size:15px;color:#D5DFF1;
  transition:color .16s var(--ease);
}
.contact-line:hover{color:var(--gold)}
.contact-line .k{
  font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.14em;
  text-transform:uppercase;color:var(--mute);
}
.contact-card .btn{margin-bottom:8px}
.contact-who{
  font-family:'IBM Plex Mono',monospace;font-size:11.5px;color:var(--mute);margin-top:18px;
}

/* ------------------------------ footer ------------------------------ */
.footer{background:var(--paper);border-top:1px solid var(--line);padding:44px 0 60px}
.footer-logo{height:38px;width:auto;opacity:.7;margin-bottom:18px}
.footer-address{font-size:13.5px;color:var(--ink-soft);margin-bottom:10px}
.footer-legal{font-size:11.5px;color:#6C7A94;max-width:88ch;line-height:1.7}

/* ------------------------------ reveal ------------------------------ */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.reveal.in{opacity:1;transform:none}

/* ------------------------------ responsive ------------------------------ */
@media (max-width:980px){
  .tool-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .hero-inner{grid-template-columns:1fr;gap:40px}
  .hero h1{max-width:18ch}
  .about-grid{grid-template-columns:1fr;gap:30px}
  .about-portrait{position:static;max-width:220px}
  .contact-inner{grid-template-columns:1fr;gap:34px}
  .quote:nth-child(2){transform:none}
}
@media (max-width:760px){
  .topbar-brand img{height:36px}
  .topnav,.topbar-cta{display:none}
  .hamburger{display:block}
  .hero{padding:56px 0 64px}
  .section{padding:62px 0}
  .statbar-inner{grid-template-columns:1fr 1fr;gap:0 24px}
  .stat{grid-column:span 1;border-left:none;padding:20px 0;border-bottom:1px solid rgba(255,255,255,.09)}
  .stat--featured{grid-column:span 1;padding:24px 0;background:none;border-bottom-color:rgba(255,224,102,.22)}
  .stat--featured:nth-child(2){border-left:1px solid rgba(255,255,255,.09);padding-left:24px}
  .stat--featured .stat-figure{font-size:40px}
  /* single column, so every area is re-stated — a bare grid-column:2 here
     would spawn an implicit second column and re-open the same bug */
  .point{grid-template-columns:1fr;column-gap:0;row-gap:8px;padding:22px 0}
  .point::before{grid-area:1 / 1;line-height:1.4}
  .point-k{grid-area:2 / 1;margin-bottom:0}
  .point-v{grid-area:3 / 1}
  .cred{padding:20px}
  .creds{grid-template-columns:1fr}
  .programs{padding:22px 20px}
  .tool-grid{grid-template-columns:1fr}
  .calculator-page-contact{align-items:flex-start;flex-direction:column}
  .calculator-frame{min-height:1600px}
}

@media (max-width:520px){
  .stat--featured{grid-column:1 / -1}
  .stat--featured:nth-child(2){border-left:none;padding-left:0}
}

@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms !important;transition-duration:.001ms !important}
  .reveal{opacity:1;transform:none}
}