:root{
  --ink:#211E1B; --coal:#292524; --stone:#78716C; --copper:#C08457; --copper-lt:#E4AF85; --peach:#F2D7BD;
  --cream:#F7F3ED; --paper:#FDFBF7; --line:rgba(41,37,36,.12); --line-d:rgba(247,243,237,.14);
  --r:24px; --ease:cubic-bezier(.22,.8,.28,1);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{font-family:'Outfit',sans-serif;background:var(--cream);color:var(--coal);line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%}
a{text-decoration:none;color:inherit}
h1,h2,h3,h4{font-family:'Fraunces',serif;font-weight:500;line-height:1.12;color:var(--ink)}
h1{font-size:clamp(2.6rem,5.4vw,4.5rem);letter-spacing:-.02em}
h2{font-size:clamp(2rem,3.8vw,3rem);letter-spacing:-.015em}
h3{font-size:1.3rem}
.wrap{max-width:1240px;margin:0 auto;padding:0 28px}
section{padding:110px 0;position:relative}
.eyebrow{display:inline-flex;align-items:center;gap:.55rem;font-size:.78rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--copper);margin-bottom:1.2rem}
.eyebrow::before{content:"";width:34px;height:1px;background:var(--copper)}
.lead{color:var(--stone);font-size:1.08rem;max-width:56ch}
.it{font-family:'Fraunces',serif;font-style:italic;font-weight:400}
.grad{background:linear-gradient(92deg,var(--copper) 10%,#EBB98C 90%);-webkit-background-clip:text;background-clip:text;color:transparent}
/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:.65rem;padding:1rem 1.9rem;border-radius:999px;font-weight:600;font-size:.98rem;border:none;cursor:pointer;font-family:inherit;transition:transform .3s var(--ease),box-shadow .3s,background .3s,color .3s}
.btn i{transition:transform .3s var(--ease)}
.btn:hover i{transform:translateX(4px)}
.btn-solid{background:var(--copper);color:#fff;box-shadow:0 10px 26px -12px rgba(192,132,87,.6)}
.btn-solid:hover{background:var(--ink);transform:translateY(-3px);box-shadow:0 18px 34px -14px rgba(33,30,27,.5)}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
.btn-ghost:hover{border-color:var(--copper);color:var(--copper);transform:translateY(-3px)}
.btn-light{background:var(--cream);color:var(--ink)}
.btn-light:hover{background:var(--copper);color:#fff;transform:translateY(-3px)}
/* ---------- nav ---------- */
.nav{position:fixed;inset:0 0 auto;z-index:100;transition:background .4s,box-shadow .4s,backdrop-filter .4s}
.nav.scrolled{background:rgba(247,243,237,.72);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);box-shadow:0 1px 0 var(--line),0 14px 34px -22px rgba(33,30,27,.28)}
.nav-inner{max-width:1240px;margin:0 auto;padding:1.05rem 28px;display:flex;align-items:center;justify-content:space-between;gap:2rem}
.logo{display:flex;align-items:center;gap:.7rem;font-family:'Fraunces',serif;font-size:1.28rem;font-weight:600;color:var(--ink)}
.logo-badge{width:42px;height:42px;border-radius:14px;background:linear-gradient(135deg,var(--copper),#E2A87B);display:grid;place-items:center;color:#fff;font-size:1.05rem;box-shadow:0 8px 18px -8px rgba(192,132,87,.7)}
.logo small{display:block;font-family:'Outfit';font-size:.62rem;font-weight:600;letter-spacing:.3em;color:var(--stone);text-transform:uppercase;line-height:1}
.nav-links{display:flex;gap:1.9rem;list-style:none}
.nav-links a{font-size:.94rem;font-weight:500;color:var(--coal);position:relative;padding:.3rem 0}
.nav-links a::after{content:"";position:absolute;left:0;bottom:0;width:0;height:2px;border-radius:2px;background:var(--copper);transition:width .3s var(--ease)}
.nav-links a:hover::after{width:100%}
.nav-cta{padding:.78rem 1.5rem;font-size:.9rem}
.burger{display:none;background:none;border:none;font-size:1.4rem;color:var(--ink);cursor:pointer;padding:.4rem}
.m-menu{position:fixed;inset:0;z-index:99;background:rgba(33,30,27,.97);backdrop-filter:blur(10px);display:grid;place-items:center;opacity:0;pointer-events:none;transition:opacity .35s}
.m-menu.open{opacity:1;pointer-events:auto}
.m-menu ul{list-style:none;text-align:center;display:grid;gap:1.4rem}
.m-menu a{font-family:'Fraunces',serif;font-size:1.9rem;color:var(--cream);transition:color .3s}
.m-menu a:hover{color:var(--copper)}
#progress{position:fixed;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--copper),var(--copper-lt));z-index:101;border-radius:0 3px 3px 0}
/* ---------- hero ---------- */
.hero{min-height:100vh;display:flex;align-items:center;padding:150px 0 90px;overflow:hidden}
.blob{position:absolute;border-radius:50%;filter:blur(80px);pointer-events:none}
.blob-1{width:480px;height:480px;background:radial-gradient(circle,rgba(192,132,87,.5),transparent 70%);top:-120px;right:-90px;animation:drift 14s ease-in-out infinite alternate}
.blob-2{width:380px;height:380px;background:radial-gradient(circle,rgba(242,195,148,.55),transparent 70%);bottom:-100px;left:-120px;animation:drift 11s ease-in-out infinite alternate-reverse}
@keyframes drift{from{transform:translate(0,0) scale(1)}to{transform:translate(-46px,36px) scale(1.12)}}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:4rem;align-items:center;position:relative;z-index:2}
.hero-pill{display:inline-flex;align-items:center;gap:.6rem;background:rgba(255,255,255,.6);border:1px solid var(--line);backdrop-filter:blur(8px);border-radius:999px;padding:.5rem 1.1rem;font-size:.83rem;font-weight:600;color:var(--coal);margin-bottom:1.6rem}
.hero-pill i{color:var(--copper)}
.hero p.lead{margin:1.5rem 0 2.2rem}
.hero-actions{display:flex;gap:1rem;flex-wrap:wrap}
.stats{display:grid;grid-template-columns:repeat(4,auto);gap:2.6rem;margin-top:3.2rem;padding-top:2.2rem;border-top:1px solid var(--line);width:fit-content}
.stat b{font-family:'Fraunces',serif;font-size:1.9rem;font-weight:600;color:var(--ink);display:block;line-height:1}
.stat b em{color:var(--copper);font-style:normal}
.stat span{font-size:.8rem;color:var(--stone);font-weight:500;letter-spacing:.04em}
.hero-visual{position:relative}
.hero-img{border-radius:28px;overflow:hidden;box-shadow:0 40px 80px -30px rgba(33,30,27,.45);transform:rotate(1.2deg)}
.hero-img img{width:100%;height:520px;object-fit:cover}
.chip{position:absolute;background:rgba(247,243,237,.78);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.65);border-radius:20px;padding:.95rem 1.2rem;box-shadow:0 20px 44px -18px rgba(33,30,27,.4);animation:float 6s ease-in-out infinite}
.chip-a{top:26px;left:-46px}
.chip-b{bottom:-24px;right:-14px;animation-delay:-3s}
.chip .stars{color:var(--copper);font-size:.75rem;letter-spacing:.15em}
.chip b{display:block;font-size:.95rem;color:var(--ink)}
.chip span{font-size:.76rem;color:var(--stone)}
.chip .bar{width:150px;height:6px;border-radius:6px;background:rgba(192,132,87,.2);margin-top:.5rem;overflow:hidden}
.chip .bar i{display:block;height:100%;width:0;border-radius:6px;background:linear-gradient(90deg,var(--copper),var(--copper-lt));transition:width 1.6s var(--ease) .4s}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-13px)}}
.spin-badge{position:absolute;top:-52px;right:32px;width:112px;height:112px;animation:spin 18s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.spin-badge text{font-size:11.5px;letter-spacing:3.5px;fill:var(--coal);font-weight:600;font-family:'Outfit'}
.spin-badge .core{fill:var(--copper)}
/* ---------- marquee ---------- */
.marquee{background:var(--ink);color:var(--cream);padding:1rem 0;overflow:hidden}
.marquee-track{display:flex;gap:3.2rem;width:max-content;animation:scrollx 30s linear infinite}
.marquee-track span{font-family:'Fraunces',serif;font-size:1.02rem;display:flex;align-items:center;gap:3.2rem;white-space:nowrap}
.marquee-track i{color:var(--copper);font-size:.6rem}
@keyframes scrollx{to{transform:translateX(-50%)}}
/* ---------- about ---------- */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
.about-imgs{position:relative}
.about-imgs .main{border-radius:var(--r);overflow:hidden;box-shadow:0 34px 70px -30px rgba(33,30,27,.4)}
.about-imgs .main img{height:480px;width:100%;object-fit:cover}
.about-imgs .sub{position:absolute;right:-30px;bottom:-38px;width:52%;border-radius:20px;overflow:hidden;border:8px solid var(--cream);box-shadow:0 24px 50px -22px rgba(33,30,27,.42)}
.about-imgs .sub img{height:200px;width:100%;object-fit:cover}
.exp-badge{position:absolute;top:-24px;left:-24px;background:var(--ink);color:var(--cream);border-radius:20px;padding:1.1rem 1.4rem;text-align:center;box-shadow:0 20px 40px -16px rgba(33,30,27,.5)}
.exp-badge b{font-family:'Fraunces',serif;font-size:2rem;color:var(--copper);display:block;line-height:1}
.exp-badge span{font-size:.7rem;letter-spacing:.16em;text-transform:uppercase}
.about-copy p{color:var(--stone);margin:.9rem 0 0}
.about-checks{display:grid;grid-template-columns:1fr 1fr;gap:.8rem 1.4rem;margin:1.8rem 0 2.2rem;list-style:none}
.about-checks li{display:flex;gap:.65rem;font-weight:500;font-size:.95rem;align-items:flex-start}
.about-checks i{color:var(--copper);margin-top:.22rem}
.sig{display:flex;align-items:center;gap:1.1rem;margin-top:2rem;padding-top:1.8rem;border-top:1px solid var(--line)}
.sig .ava{width:54px;height:54px;border-radius:50%;object-fit:cover;border:2px solid var(--copper)}
.sig b{display:block;font-family:'Fraunces',serif}
.sig span{font-size:.83rem;color:var(--stone)}
/* ---------- vmv ---------- */
.vmv{background:var(--paper);border-block:1px solid var(--line)}
.vmv-head{max-width:640px;margin-bottom:3.6rem}
.vmv-row{display:grid;grid-template-columns:140px 300px 1fr;gap:2.4rem;align-items:start;padding:2.6rem 0;border-top:1px solid var(--line);transition:padding-left .4s var(--ease)}
.vmv-row:last-child{border-bottom:1px solid var(--line)}
.vmv-row:hover{padding-left:1.4rem}
.vmv-num{font-family:'Fraunces',serif;font-style:italic;font-size:2.6rem;color:rgba(192,132,87,.45);line-height:1}
.vmv-row h3{font-size:1.7rem}
.vmv-row p{color:var(--stone)}
.vmv-row .v-icon{width:52px;height:52px;border-radius:16px;background:rgba(192,132,87,.12);color:var(--copper);display:grid;place-items:center;font-size:1.2rem;margin-bottom:.9rem}
/* ---------- features (dark) ---------- */
.dark{background:var(--ink);color:var(--cream)}
.dark::before{content:"";position:absolute;inset:0;background:radial-gradient(720px 420px at 85% 8%,rgba(192,132,87,.16),transparent 65%),radial-gradient(600px 400px at 5% 95%,rgba(228,175,133,.09),transparent 65%);pointer-events:none}
.dark h2,.dark h3{color:var(--cream)}
.dark .lead{color:#B6AEA6}
.feat-grid{display:grid;grid-template-columns:1fr 1.25fr;gap:5rem;align-items:start;position:relative;z-index:2}
.feat-sticky{position:sticky;top:120px}
.feat-list{display:grid;grid-template-columns:1fr 1fr;gap:0 2.4rem}
.feat{padding:1.9rem 0;border-top:1px solid var(--line-d);transition:transform .35s var(--ease)}
.feat:hover{transform:translateY(-5px)}
.feat .f-icon{width:52px;height:52px;border-radius:16px;background:linear-gradient(135deg,var(--copper),#E2A87B);color:#fff;display:grid;place-items:center;font-size:1.15rem;margin-bottom:1.1rem;box-shadow:0 12px 26px -12px rgba(192,132,87,.7)}
.feat p{color:#B6AEA6;font-size:.94rem;margin-top:.5rem}
/* ---------- process ---------- */
.proc-head{display:flex;justify-content:space-between;align-items:flex-end;gap:2rem;margin-bottom:4rem;flex-wrap:wrap}
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:2rem}
.step{position:relative;padding-top:2.6rem}
.step::before{content:"";position:absolute;top:8px;left:0;right:-2rem;height:2px;background:linear-gradient(90deg,var(--copper),rgba(192,132,87,.14))}
.step::after{content:"";position:absolute;top:2px;left:0;width:14px;height:14px;border-radius:50%;background:var(--cream);border:3px solid var(--copper)}
.step .s-num{font-family:'Fraunces',serif;font-style:italic;font-size:2.4rem;color:rgba(192,132,87,.5);line-height:1}
.step h3{margin:.7rem 0 .5rem;font-size:1.14rem}
.step p{color:var(--stone);font-size:.92rem}
/* ---------- services ---------- */
.services{background:var(--paper);border-block:1px solid var(--line)}
.svc-list{border-top:1px solid var(--line);margin-top:3.4rem}
.svc{display:grid;grid-template-columns:64px 60px 1fr auto 62px;align-items:center;gap:1.6rem;padding:1.55rem .6rem;border-bottom:1px solid var(--line);cursor:pointer;position:relative;transition:padding .35s var(--ease),background .35s}
.svc:hover{padding-left:1.8rem;background:linear-gradient(90deg,rgba(192,132,87,.09),transparent 70%)}
.svc .idx{font-family:'Fraunces',serif;font-style:italic;color:rgba(120,113,108,.65);font-size:1.05rem}
.svc .s-icon{width:52px;height:52px;border-radius:16px;border:1px solid var(--line);display:grid;place-items:center;color:var(--copper);font-size:1.15rem;background:#fff;transition:.35s}
.svc:hover .s-icon{background:var(--copper);color:#fff;border-color:var(--copper);box-shadow:0 12px 24px -10px rgba(192,132,87,.7)}
.svc h3{font-size:1.32rem}
.svc p{color:var(--stone);font-size:.9rem;margin-top:.15rem}
.svc .tag{font-size:.78rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--copper);white-space:nowrap}
.svc .arrow{width:52px;height:52px;border-radius:50%;border:1.5px solid var(--line);display:grid;place-items:center;color:var(--ink);transition:.35s var(--ease);justify-self:end}
.svc:hover .arrow{background:var(--ink);color:var(--cream);border-color:var(--ink);transform:rotate(-45deg)}
.svc .thumb{display:none}
.svc-preview{position:fixed;width:320px;height:225px;border-radius:20px;overflow:hidden;pointer-events:none;z-index:60;opacity:0;transform:scale(.82) rotate(-3deg);transition:opacity .3s var(--ease),transform .3s var(--ease);box-shadow:0 34px 70px -22px rgba(33,30,27,.55);will-change:transform}
.svc-preview.on{opacity:1;transform:scale(1) rotate(-2deg)}
.svc-preview img{width:100%;height:100%;object-fit:cover}
@media (hover:none){.svc-preview{display:none}}
/* ---------- pricing ---------- */
.price-grid{display:grid;grid-template-columns:1fr 1.14fr 1fr;gap:1.8rem;align-items:center;margin-top:3.6rem}
.plan{background:var(--paper);border:1px solid var(--line);border-radius:28px;padding:2.6rem 2.3rem;transition:transform .4s var(--ease),box-shadow .4s}
.plan:hover{transform:translateY(-8px);box-shadow:0 34px 64px -26px rgba(33,30,27,.3)}
.plan.featured{background:var(--ink);color:var(--cream);padding:3.2rem 2.6rem;box-shadow:0 44px 80px -30px rgba(33,30,27,.55);position:relative}
.plan.featured h3,.plan.featured .amount{color:var(--cream)}
.plan .p-tag{position:absolute;top:-16px;left:50%;transform:translateX(-50%);background:linear-gradient(90deg,var(--copper),#E4AF85);color:#fff;font-size:.74rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;padding:.5rem 1.2rem;border-radius:999px;white-space:nowrap}
.plan h3{font-size:1.45rem}
.plan .p-desc{font-size:.9rem;color:var(--stone);margin:.4rem 0 1.4rem}
.plan.featured .p-desc{color:#B6AEA6}
.amount{font-family:'Fraunces',serif;font-size:2.7rem;font-weight:600;color:var(--ink);line-height:1}
.amount small{font-size:1rem;color:var(--stone);font-family:'Outfit';font-weight:500}
.plan ul{list-style:none;margin:1.6rem 0 2rem;display:grid;gap:.75rem}
.plan li{display:flex;gap:.65rem;font-size:.93rem;align-items:flex-start}
.plan li i{color:var(--copper);margin-top:.25rem}
.plan.featured li{color:#DDD6CE}
.plan .btn{width:100%;justify-content:center}
/* ---------- loan ---------- */
.loan{background:linear-gradient(160deg,var(--cream),#F2E7D8)}
.loan-grid{display:grid;grid-template-columns:1fr 1fr;gap:5rem;align-items:center}
.loan-img{border-radius:var(--r);overflow:hidden;position:relative;box-shadow:0 36px 72px -30px rgba(33,30,27,.4)}
.loan-img img{height:460px;width:100%;object-fit:cover}
.loan-chip{position:absolute;bottom:22px;left:22px;right:22px;background:rgba(247,243,237,.8);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.6);border-radius:18px;padding:1rem 1.3rem;display:flex;gap:1rem;align-items:center}
.loan-chip i{width:44px;height:44px;border-radius:14px;background:var(--copper);color:#fff;display:grid;place-items:center;flex-shrink:0}
.loan-chip b{display:block;font-size:.98rem}
.loan-chip span{font-size:.8rem;color:var(--stone)}
.loan ul{list-style:none;display:grid;gap:1rem;margin:1.8rem 0 2.2rem}
.loan li{display:flex;gap:.9rem;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:.95rem 1.2rem;font-size:.95rem;font-weight:500;transition:transform .3s var(--ease)}
.loan li:hover{transform:translateX(8px)}
.loan li i{color:var(--copper);margin-top:.25rem}
.fine{font-size:.78rem;color:var(--stone);margin-top:1.1rem}
/* ---------- booking ---------- */
.booking{background:var(--ink);overflow:hidden}
.booking::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 420px at 15% 10%,rgba(192,132,87,.2),transparent 62%),radial-gradient(560px 420px at 92% 90%,rgba(228,175,133,.12),transparent 62%)}
.book-card{position:relative;z-index:2;max-width:920px;margin:3.4rem auto 0;background:rgba(247,243,237,.06);border:1px solid var(--line-d);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border-radius:30px;padding:3rem}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.2rem}
.field{display:flex;flex-direction:column;gap:.4rem}
.field.full{grid-column:1/-1}
.field label{font-size:.82rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:#B6AEA6}
.field input,.field select,.field textarea{font-family:inherit;font-size:.98rem;color:var(--cream);background:rgba(247,243,237,.07);border:1px solid var(--line-d);border-radius:14px;padding:.95rem 1.1rem;transition:border .3s,background .3s;width:100%}
.field select option{color:var(--coal)}
.field textarea{resize:vertical;min-height:120px}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--copper);background:rgba(192,132,87,.1)}
.field.err input,.field.err select,.field.err textarea{border-color:#E07856}
.err-msg{font-size:.78rem;color:#E8A187;display:none}
.field.err .err-msg{display:block}
.hp{position:absolute;left:-9999px;opacity:0}
.form-foot{grid-column:1/-1;display:flex;align-items:center;justify-content:space-between;gap:1.4rem;flex-wrap:wrap;margin-top:.4rem}
.form-foot span{font-size:.85rem;color:#B6AEA6;display:flex;align-items:center;gap:.5rem}
/* ---------- reviews ---------- */
.rev-head{display:flex;justify-content:space-between;align-items:flex-end;gap:2rem;flex-wrap:wrap}
.rev-nav{display:flex;gap:.7rem}
.rev-nav button{width:52px;height:52px;border-radius:50%;border:1.5px solid var(--line);background:transparent;color:var(--ink);font-size:1rem;cursor:pointer;transition:.3s}
.rev-nav button:hover{background:var(--copper);border-color:var(--copper);color:#fff}
.rev-track{display:grid;grid-auto-flow:column;grid-auto-columns:min(390px,86%);gap:1.6rem;overflow-x:auto;scroll-snap-type:x mandatory;padding:3rem .2rem 1.4rem;scrollbar-width:none}
.rev-track::-webkit-scrollbar{display:none}
.rev{scroll-snap-align:start;background:var(--paper);border:1px solid var(--line);border-radius:26px;padding:2.1rem;display:flex;flex-direction:column;gap:1.1rem;transition:transform .4s var(--ease),box-shadow .4s}
.rev:hover{transform:translateY(-6px);box-shadow:0 30px 56px -26px rgba(33,30,27,.3)}
.rev:nth-child(even){transform:translateY(1.4rem)}
.rev:nth-child(even):hover{transform:translateY(calc(1.4rem - 6px))}
.rev .stars{color:var(--copper);letter-spacing:.2em;font-size:.85rem}
.rev blockquote{font-family:'Fraunces',serif;font-size:1.08rem;line-height:1.5;color:var(--coal);flex:1}
.rev-who{display:flex;gap:.9rem;align-items:center;border-top:1px solid var(--line);padding-top:1.2rem}
.rev-who img{width:50px;height:50px;border-radius:50%;object-fit:cover;border:2px solid var(--copper)}
.rev-who b{display:block;font-size:.96rem}
.rev-who span{font-size:.8rem;color:var(--stone)}
.rev-who .proj{margin-left:auto;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--copper);background:rgba(192,132,87,.1);padding:.35rem .75rem;border-radius:999px;white-space:nowrap}
/* ---------- faq ---------- */
.faq{background:var(--paper);border-block:1px solid var(--line)}
.faq-grid{display:grid;grid-template-columns:.9fr 1.4fr;gap:5rem;align-items:start}
.faq-item{border:1px solid var(--line);border-radius:20px;background:#fff;margin-bottom:1rem;overflow:hidden;transition:box-shadow .3s}
.faq-item.open{box-shadow:0 20px 40px -22px rgba(33,30,27,.28);border-color:rgba(192,132,87,.5)}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:1.2rem;padding:1.35rem 1.6rem;background:none;border:none;cursor:pointer;font-family:'Fraunces',serif;font-size:1.08rem;color:var(--ink);text-align:left}
.faq-q .fi{width:34px;height:34px;border-radius:50%;border:1.5px solid var(--line);display:grid;place-items:center;font-size:.8rem;color:var(--copper);flex-shrink:0;transition:.35s var(--ease);font-family:'Outfit'}
.faq-item.open .fi{background:var(--copper);border-color:var(--copper);color:#fff;transform:rotate(135deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .45s var(--ease)}
.faq-a p{padding:0 1.6rem 1.5rem;color:var(--stone);font-size:.96rem}
/* ---------- contact ---------- */
.contact-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:5rem;align-items:start}
.c-item{display:flex;gap:1.2rem;align-items:flex-start;padding:1.5rem 0;border-bottom:1px solid var(--line)}
.c-item:first-of-type{border-top:1px solid var(--line)}
.c-item .ci{width:54px;height:54px;border-radius:16px;background:rgba(192,132,87,.12);color:var(--copper);display:grid;place-items:center;font-size:1.2rem;flex-shrink:0;transition:.3s}
.c-item:hover .ci{background:var(--copper);color:#fff}
.c-item b{display:block;font-family:'Fraunces',serif;font-size:1.1rem}
.c-item a,.c-item span{color:var(--stone);font-size:.95rem}
.c-item a:hover{color:var(--copper)}
.contact-form{background:#fff;border:1px solid var(--line);border-radius:28px;padding:2.6rem;box-shadow:0 30px 60px -30px rgba(33,30,27,.25)}
.contact-form .form-grid{grid-template-columns:1fr 1fr}
.contact-form .field label{color:var(--stone)}
.contact-form .field input,.contact-form .field select,.contact-form .field textarea{color:var(--coal);background:var(--cream);border-color:var(--line)}
.contact-form .field input:focus,.contact-form .field select:focus,.contact-form .field textarea:focus{background:#fff;border-color:var(--copper)}
.contact-form .err-msg{color:#C05B3B}
/* ---------- footer ---------- */
footer{background:var(--ink);color:#B6AEA6;padding:90px 0 0}
.f-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.4fr;gap:3.4rem;padding-bottom:3.6rem}
.f-grid h4{color:var(--cream);font-size:1.05rem;margin-bottom:1.3rem}
.f-grid p{font-size:.92rem}
.f-brand .logo{color:var(--cream);margin-bottom:1.1rem}
.f-list{list-style:none;display:grid;gap:.7rem;font-size:.93rem}
.f-list a{transition:color .3s,padding-left .3s}
.f-list a:hover{color:var(--copper);padding-left:6px}
.news-form{display:flex;margin-top:1.1rem;background:rgba(247,243,237,.07);border:1px solid var(--line-d);border-radius:999px;padding:.35rem;transition:border .3s}
.news-form:focus-within{border-color:var(--copper)}
.news-form input{flex:1;background:none;border:none;outline:none;color:var(--cream);font-family:inherit;padding:.55rem 1.1rem;font-size:.94rem;min-width:0}
.news-form button{background:var(--copper);color:#fff;border:none;border-radius:999px;padding:.65rem 1.25rem;cursor:pointer;font-family:inherit;font-weight:600;transition:background .3s}
.news-form button:hover{background:var(--copper-lt)}
.f-note{font-size:.78rem;margin-top:.8rem}
.f-note a{color:var(--copper);text-decoration:underline}
.f-bottom{border-top:1px solid var(--line-d);padding:1.6rem 0;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;font-size:.85rem}
.f-bottom a{color:#B6AEA6;margin-left:1.6rem;transition:color .3s}
.f-bottom a:hover{color:var(--copper)}
/* ---------- toast / reveal ---------- */
#toast{position:fixed;bottom:28px;left:50%;transform:translate(-50%,140%);background:var(--ink);color:var(--cream);padding:1rem 1.6rem;border-radius:16px;display:flex;gap:.8rem;align-items:center;z-index:200;box-shadow:0 24px 50px -18px rgba(0,0,0,.5);transition:transform .45s var(--ease);max-width:min(92vw,480px);font-size:.94rem}
#toast.show{transform:translate(-50%,0)}
#toast i{color:var(--copper)}
.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.reveal.in{opacity:1;transform:none}
.reveal[data-d="1"]{transition-delay:.1s}.reveal[data-d="2"]{transition-delay:.2s}.reveal[data-d="3"]{transition-delay:.3s}.reveal[data-d="4"]{transition-delay:.4s}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}
/* ---------- responsive ---------- */
@media(max-width:1080px){
  .nav-links{display:none}.burger{display:block}
  .hero-grid,.about-grid,.loan-grid,.feat-grid,.contact-grid,.faq-grid{grid-template-columns:1fr;gap:3.4rem}
  .feat-sticky{position:static}
  .hero-visual{order:-1}.hero-img img{height:380px}
  .steps{grid-template-columns:1fr;gap:2.4rem}
  .step{padding-top:0;padding-left:2.4rem}
  .step::before{width:2px;height:calc(100% + 1rem);right:auto;background:linear-gradient(180deg,var(--copper),rgba(192,132,87,.14))}
  .step::after{top:4px}
  .price-grid{grid-template-columns:1fr;max-width:520px;margin-inline:auto}
  .plan.featured{order:-1}
  .vmv-row{grid-template-columns:80px 1fr;gap:1.2rem}
  .vmv-row>div:last-child{grid-column:2}
  .svc{grid-template-columns:60px 1fr 52px}
  .svc .idx,.svc .tag{display:none}
  .svc .thumb{display:block;width:60px;height:60px;border-radius:14px;object-fit:cover}
  .f-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  section{padding:76px 0}
  .wrap{padding:0 20px}
  .stats{grid-template-columns:1fr 1fr;gap:1.6rem}
  .form-grid,.contact-form .form-grid,.feat-list,.about-checks{grid-template-columns:1fr}
  .book-card{padding:1.8rem 1.4rem}
  .contact-form{padding:1.8rem 1.4rem}
  .chip-a{left:-6px}.chip-b{right:0}
  .f-grid{grid-template-columns:1fr}
  .rev:nth-child(even){transform:none}
  .about-imgs .sub{right:0;bottom:-24px}
}