/* ============================================================================
   YOUR FINANCE OFFICE — site.css
   Ground-up redesign · "The Ledger" design system
   Warm paper × deep ink × electric blue. Editorial fintech.
   Used by: index, services, tools, contact + chrome of the 6 calculators.
   ============================================================================ */

:root {
  /* palette */
  --paper:     #F2EFE9;
  --paper-2:   #EAE6DD;
  --paper-3:   #E2DDD2;
  --ink:       #0B1120;
  --ink-2:     #101830;
  --ink-3:     #16203C;
  --ink-soft:  #2A3653;
  --blue:      #2B4BF0;
  --blue-deep: #1B33B8;
  --blue-soft: rgba(43, 75, 240, .09);
  --cyan:      #46C8FF;
  --lime:      #C7F14D;
  --green:     #1D9E6E;
  --amber:     #D97706;

  --tx:        #101623;
  --tx-2:      #4B5468;
  --tx-3:      #808A9F;
  --tx-inv:    #EFF2F9;
  --tx-inv-2:  #97A3BD;

  --line:      rgba(16, 22, 35, .12);
  --line-2:    rgba(16, 22, 35, .22);
  --line-inv:  rgba(239, 242, 249, .13);

  /* type */
  --f-sans:  'Space Grotesk', -apple-system, 'Segoe UI', sans-serif;
  --f-serif: 'Instrument Serif', Georgia, serif;
  --f-mono:  'DM Mono', ui-monospace, Menlo, monospace;

  /* layout */
  --nav-h: 84px;
  --gutter: clamp(1.25rem, 5vw, 5.5rem);
  --r-lg: 24px;
  --r-md: 16px;
  --r-sm: 10px;

  /* motion */
  --ease-out: cubic-bezier(.22, 1, .36, 1);
  --ease-exp: cubic-bezier(.87, 0, .13, 1);

  /* ── legacy variable remap ────────────────────────────────────────────
     shared.css (still loaded by the calculator tools) defines an older
     palette; site.css loads after it on every page, so these overrides
     pull the calculators into the new paper/ink/blue system. */
  --bg:            var(--paper);
  --bg-2:          var(--paper-2);
  --surface:       #FBFAF7;
  --surface-2:     #EFEBE2;
  --bg-card:       #FBFAF7;
  --border:        rgba(16, 22, 35, .12);
  --border-strong: rgba(16, 22, 35, .24);
  --text:          var(--tx);
  --muted:         var(--tx-2);
  --muted-dim:     var(--tx-3);
  --gold:          var(--blue);
  --gold-dim:      rgba(43, 75, 240, .08);
  --gold-light:    var(--blue-deep);
}

/* ── base ─────────────────────────────────────────────────────────────── */
* { box-sizing: border-box; margin: 0; padding: 0; }
html { -webkit-text-size-adjust: 100%; }
html.lenis, html.lenis body { height: auto; }
.lenis.lenis-smooth { scroll-behavior: auto !important; }

body {
  background: var(--paper);
  color: var(--tx);
  font-family: var(--f-sans);
  font-size: 1rem;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}

::selection { background: var(--blue); color: #fff; }
a { color: inherit; }
img, svg, canvas { display: block; max-width: 100%; }
button { font-family: inherit; }

h1, h2, h3, h4 { font-weight: 600; letter-spacing: -0.025em; line-height: 1.04; }

/* fluid display sizes */
.d-hero  { font-size: clamp(2.9rem, 8.2vw, 7.2rem); font-weight: 600; letter-spacing: -0.035em; line-height: .98; }
.d-1     { font-size: clamp(2.2rem, 5.4vw, 4.4rem); letter-spacing: -0.03em; }
.d-2     { font-size: clamp(1.7rem, 3.6vw, 2.9rem); }
.d-3     { font-size: clamp(1.25rem, 2.2vw, 1.6rem); }

.serif-it { font-family: var(--f-serif); font-style: italic; font-weight: 400; letter-spacing: -0.01em; }
.mono     { font-family: var(--f-mono); }

.lead { font-size: clamp(1.02rem, 1.5vw, 1.2rem); line-height: 1.7; color: var(--tx-2); font-weight: 400; }
.dark .lead, .s-ink .lead { color: var(--tx-inv-2); }

/* ── grain overlay ────────────────────────────────────────────────────── */
.grain {
  position: fixed; inset: -50%; width: 200%; height: 200%;
  pointer-events: none; z-index: 2000; opacity: .5;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='240' height='240'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='240' height='240' filter='url(%23n)' opacity='0.05'/%3E%3C/svg%3E");
  animation: grainShift 900ms steps(4) infinite;
}
@keyframes grainShift {
  0% { transform: translate(0,0); } 25% { transform: translate(-2%,1%); }
  50% { transform: translate(1%,-2%); } 75% { transform: translate(-1%,2%); } 100% { transform: translate(0,0); }
}

/* ── custom cursor ────────────────────────────────────────────────────── */
.cursor-dot, .cursor-ring {
  position: fixed; top: 0; left: 0; pointer-events: none; z-index: 3000;
  border-radius: 50%; will-change: transform;
}
.cursor-dot { width: 7px; height: 7px; background: var(--blue); margin: -3.5px 0 0 -3.5px; }
.cursor-ring {
  width: 38px; height: 38px; margin: -19px 0 0 -19px;
  border: 1.5px solid rgba(43, 75, 240, .45);
  transition: width .35s var(--ease-out), height .35s var(--ease-out),
              margin .35s var(--ease-out), border-color .3s, background-color .3s, opacity .3s;
  display: flex; align-items: center; justify-content: center;
}
.cursor-ring .cursor-label {
  font-family: var(--f-mono); font-size: .6rem; letter-spacing: .1em; text-transform: uppercase;
  color: #fff; opacity: 0; transition: opacity .25s; white-space: nowrap;
}
body.cursor-hover .cursor-ring {
  width: 64px; height: 64px; margin: -32px 0 0 -32px;
  background: rgba(43, 75, 240, .12); border-color: rgba(43, 75, 240, .7);
}
body.cursor-view .cursor-ring {
  width: 84px; height: 84px; margin: -42px 0 0 -42px;
  background: var(--blue); border-color: var(--blue);
}
body.cursor-view .cursor-ring .cursor-label { opacity: 1; }
body.cursor-view .cursor-dot { opacity: 0; }
body.cursor-down .cursor-ring { transform-origin: center; scale: .8; }
@media (hover: none), (pointer: coarse) {
  .cursor-dot, .cursor-ring { display: none !important; }
}

/* ── scroll progress ──────────────────────────────────────────────────── */
.scroll-progress {
  position: fixed; top: 0; left: 0; height: 2px; width: 100%;
  z-index: 1500; pointer-events: none;
  background: transparent;
}
.scroll-progress span {
  display: block; height: 100%; width: 100%;
  background: linear-gradient(90deg, var(--blue), var(--cyan));
  transform: scaleX(0); transform-origin: left center;
}

/* ── preloader ────────────────────────────────────────────────────────── */
.preloader {
  position: fixed; inset: 0; z-index: 4000;
  background: var(--ink); color: var(--tx-inv);
  display: flex; align-items: center; justify-content: center;
}
.preloader-inner { text-align: center; }
.preloader-word {
  font-family: var(--f-serif); font-style: italic;
  font-size: clamp(1.6rem, 4vw, 2.6rem); color: var(--tx-inv);
  overflow: hidden; height: 1.35em; line-height: 1.35em;
  position: relative; min-width: 8ch;
}
.preloader-word span { display: block; position: absolute; inset: 0; transform: translateY(110%); }
.preloader-count {
  margin-top: 1.2rem; font-family: var(--f-mono); font-size: .8rem;
  letter-spacing: .3em; color: var(--tx-inv-2);
}
.preloader-bar {
  margin: 1rem auto 0; width: 160px; height: 1px; background: var(--line-inv);
  position: relative; overflow: hidden;
}
.preloader-bar span {
  position: absolute; inset: 0; background: var(--cyan);
  transform: scaleX(0); transform-origin: left center;
}

/* ── page transition veil ─────────────────────────────────────────────── */
.page-veil {
  position: fixed; inset: 0; z-index: 3500; pointer-events: none;
  background: var(--ink);
  transform: translateY(101%);
}
.page-veil .veil-brand {
  position: absolute; inset: 0; display: flex; align-items: center; justify-content: center;
  font-family: var(--f-serif); font-style: italic; color: var(--tx-inv);
  font-size: clamp(1.4rem, 3vw, 2.2rem); opacity: 0;
}

/* ── nav ──────────────────────────────────────────────────────────────── */
.yfo-nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  height: var(--nav-h);
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 var(--gutter);
  transition: transform .5s var(--ease-out), background-color .35s, border-color .35s, height .35s;
  border-bottom: 1px solid transparent;
}
.yfo-nav.is-scrolled {
  height: 68px;
  background: color-mix(in srgb, var(--paper) 82%, transparent);
  -webkit-backdrop-filter: blur(16px); backdrop-filter: blur(16px);
  border-bottom-color: var(--line);
}
.yfo-nav.is-hidden { transform: translateY(-100%); }
.yfo-nav.on-ink:not(.is-scrolled) { color: var(--tx-inv); }
.yfo-nav.on-ink:not(.is-scrolled) .nav-link { color: var(--tx-inv-2); }
.yfo-nav.on-ink:not(.is-scrolled) .nav-link:hover,
.yfo-nav.on-ink:not(.is-scrolled) .nav-link.active { color: var(--tx-inv); }
.yfo-nav.on-ink:not(.is-scrolled) .brand-mark path,
.yfo-nav.on-ink:not(.is-scrolled) .brand-mark circle { stroke: var(--cyan); }

.brand {
  display: flex; align-items: center; gap: .7rem; text-decoration: none;
  font-weight: 600; font-size: 1.02rem; letter-spacing: -0.01em; line-height: 1.1;
}
.brand-mark { width: 36px; height: 36px; flex-shrink: 0; }
.brand-sub {
  display: block; font-family: var(--f-mono); font-size: .56rem;
  letter-spacing: .22em; text-transform: uppercase; font-weight: 400;
  color: var(--tx-3); margin-top: .2rem;
}
.yfo-nav.on-ink:not(.is-scrolled) .brand-sub { color: var(--tx-inv-2); }

.nav-links { display: flex; align-items: center; gap: 2.4rem; list-style: none; }
.nav-link {
  position: relative; text-decoration: none; font-size: .92rem; font-weight: 500;
  color: var(--tx-2); transition: color .25s; padding: .3rem 0;
}
.nav-link::after {
  content: ''; position: absolute; left: 0; bottom: 0; height: 1.5px; width: 100%;
  background: currentColor; transform: scaleX(0); transform-origin: right center;
  transition: transform .4s var(--ease-out);
}
.nav-link:hover::after, .nav-link.active::after { transform: scaleX(1); transform-origin: left center; }
.nav-link:hover, .nav-link.active { color: var(--tx); }

.nav-cta-btn {
  display: inline-flex; align-items: center; gap: .5rem;
  font-size: .85rem; font-weight: 600; text-decoration: none;
  padding: .62rem 1.35rem; border-radius: 100px;
  background: var(--blue); color: #fff; border: 1px solid var(--blue);
  transition: background-color .25s, color .25s, transform .25s var(--ease-out);
}
.nav-cta-btn:hover { background: var(--blue-deep); }

.menu-toggle {
  display: none; position: relative; z-index: 2100;
  width: 46px; height: 46px; border-radius: 50%;
  border: 1px solid var(--line-2); background: transparent; cursor: pointer;
  align-items: center; justify-content: center; flex-direction: column; gap: 5px;
}
.menu-toggle span {
  display: block; width: 18px; height: 1.6px; background: currentColor;
  transition: transform .35s var(--ease-out), opacity .25s;
}
.menu-toggle.open span:nth-child(1) { transform: translateY(3.3px) rotate(45deg); }
.menu-toggle.open span:nth-child(2) { transform: translateY(-3.3px) rotate(-45deg); }
.yfo-nav.on-ink:not(.is-scrolled) .menu-toggle { border-color: var(--line-inv); color: var(--tx-inv); }

@media (max-width: 900px) {
  .nav-links, .nav-cta-btn { display: none; }
  .menu-toggle { display: flex; }
}

/* fullscreen menu */
.menu-overlay {
  position: fixed; inset: 0; z-index: 2000; background: var(--ink);
  color: var(--tx-inv); display: flex; flex-direction: column; justify-content: flex-end;
  padding: calc(var(--nav-h) + 1rem) var(--gutter) 3rem;
  clip-path: inset(0 0 100% 0); visibility: hidden;
}
.menu-overlay .menu-links { list-style: none; margin-bottom: auto; margin-top: 2rem; }
.menu-overlay .menu-links li { overflow: hidden; }
.menu-overlay .menu-links a {
  display: flex; align-items: baseline; gap: 1rem; text-decoration: none;
  font-size: clamp(2.4rem, 9vw, 4.2rem); font-weight: 600; letter-spacing: -0.03em;
  line-height: 1.25; color: var(--tx-inv); transform: translateY(110%);
}
.menu-overlay .menu-links a .idx {
  font-family: var(--f-mono); font-size: .8rem; color: var(--cyan); letter-spacing: .1em;
}
.menu-overlay .menu-links a em { font-family: var(--f-serif); font-weight: 400; }
.menu-overlay .menu-foot {
  display: flex; justify-content: space-between; align-items: flex-end; gap: 1rem;
  border-top: 1px solid var(--line-inv); padding-top: 1.5rem;
  font-family: var(--f-mono); font-size: .72rem; letter-spacing: .08em; color: var(--tx-inv-2);
  opacity: 0;
}
.menu-overlay .menu-foot a { color: var(--tx-inv); text-decoration: none; }
body.menu-open { overflow: hidden; }

/* ── buttons ──────────────────────────────────────────────────────────── */
.btn {
  position: relative; display: inline-flex; align-items: center; gap: .7rem;
  font-family: var(--f-sans); font-size: .95rem; font-weight: 600;
  padding: 1.05rem 2.1rem; border-radius: 100px; text-decoration: none;
  border: 1px solid transparent; cursor: pointer; overflow: hidden;
  transition: color .35s var(--ease-out), border-color .35s, transform .3s var(--ease-out);
  will-change: transform;
}
.btn .btn-fill {
  position: absolute; inset: -2px; border-radius: inherit; z-index: 0;
  transform: translateY(102%); transition: transform .5s var(--ease-exp);
  pointer-events: none;
}
.btn > span:not(.btn-fill), .btn > svg { position: relative; z-index: 1; }
.btn:hover .btn-fill { transform: translateY(0); }

.btn-solid { background: var(--blue); color: #fff; }
.btn-solid .btn-fill { background: var(--ink); }
.btn-solid-inv { background: var(--tx-inv); color: var(--ink); }
.btn-solid-inv .btn-fill { background: var(--lime); }
.btn-line { background: transparent; border-color: var(--line-2); color: var(--tx); }
.btn-line .btn-fill { background: var(--blue); }
.btn-line:hover { color: #fff; border-color: var(--blue); }
.btn-line-inv { background: transparent; border-color: var(--line-inv); color: var(--tx-inv); }
.btn-line-inv .btn-fill { background: var(--tx-inv); }
.btn-line-inv:hover { color: var(--ink); border-color: var(--tx-inv); }

.btn .arr { display: inline-block; transition: transform .35s var(--ease-out); }
.btn:hover .arr { transform: translateX(5px); }

/* ── sections ─────────────────────────────────────────────────────────── */
.section { padding: clamp(5rem, 10vw, 9rem) var(--gutter); position: relative; }
.s-ink { background: var(--ink); color: var(--tx-inv); }
.s-paper2 { background: var(--paper-2); }

.eyebrow {
  display: inline-flex; align-items: center; gap: .8rem;
  font-family: var(--f-mono); font-size: .72rem; letter-spacing: .28em;
  text-transform: uppercase; color: var(--blue); margin-bottom: 1.6rem;
}
.eyebrow::before {
  content: ''; width: 34px; height: 1px; background: currentColor;
  transform: scaleX(0); transform-origin: left center;
}
.eyebrow.line-in::before { animation: lineIn .8s var(--ease-out) forwards; }
@keyframes lineIn { to { transform: scaleX(1); } }
.s-ink .eyebrow { color: var(--cyan); }

.sec-head { max-width: 780px; margin-bottom: clamp(2.5rem, 5vw, 4.5rem); }
.sec-head .lead { margin-top: 1.4rem; max-width: 560px; }

/* split-text lines (populated by JS) */
.split-line { display: block; overflow: hidden; }
.split-line > span { display: block; will-change: transform; }

/* ── marquee ──────────────────────────────────────────────────────────── */
.marquee {
  overflow: hidden; white-space: nowrap; user-select: none;
  border-top: 1px solid var(--line); border-bottom: 1px solid var(--line);
  padding: 1.3rem 0; background: var(--paper);
}
.marquee-track { display: inline-flex; align-items: center; will-change: transform; }
.marquee-item {
  display: inline-flex; align-items: center; gap: 2.4rem; padding-right: 2.4rem;
  font-size: clamp(1rem, 1.6vw, 1.35rem); font-weight: 500; letter-spacing: -0.01em;
  color: var(--tx-2);
}
.marquee-item em { font-family: var(--f-serif); font-style: italic; color: var(--tx); }
.marquee-item .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--blue); flex-shrink: 0; }
.marquee.on-ink { background: var(--ink-2); border-color: var(--line-inv); }
.marquee.on-ink .marquee-item { color: var(--tx-inv-2); }
.marquee.on-ink .marquee-item em { color: var(--tx-inv); }
.marquee.on-ink .marquee-item .dot { background: var(--lime); }

/* ── stats ────────────────────────────────────────────────────────────── */
.stats-band { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; }
@media (max-width: 860px) { .stats-band { grid-template-columns: repeat(2, 1fr); } }
.stat-cell { border-left: 1px solid var(--line-inv); padding-left: 1.4rem; }
.stat-value {
  font-size: clamp(2.4rem, 5vw, 4rem); font-weight: 600; letter-spacing: -0.03em;
  line-height: 1; color: var(--tx-inv); font-variant-numeric: tabular-nums;
}
.stat-value .unit { font-family: var(--f-serif); font-style: italic; font-size: .55em; color: var(--cyan); margin-left: .1em; }
.stat-cap {
  margin-top: .8rem; font-family: var(--f-mono); font-size: .7rem;
  letter-spacing: .14em; text-transform: uppercase; color: var(--tx-inv-2); line-height: 1.7;
}

/* ── footer ───────────────────────────────────────────────────────────── */
.yfo-footer { background: var(--ink); color: var(--tx-inv); padding: 0 var(--gutter); overflow: hidden; }
.footer-cta {
  padding: clamp(5rem, 11vw, 9rem) 0 clamp(3rem, 7vw, 5.5rem);
  border-bottom: 1px solid var(--line-inv);
}
.footer-cta .eyebrow { color: var(--cyan); }
.footer-cta-link {
  display: block; text-decoration: none; color: var(--tx-inv);
  font-size: clamp(3rem, 11vw, 9rem); font-weight: 600; letter-spacing: -0.04em; line-height: .95;
  transition: color .3s;
}
.footer-cta-link em { font-family: var(--f-serif); font-weight: 400; letter-spacing: -0.02em; }
.footer-cta-link .ln { display: flex; align-items: center; gap: 2rem; }
.footer-cta-link .cta-arrow {
  width: clamp(3rem, 8vw, 6.5rem); height: clamp(3rem, 8vw, 6.5rem); flex-shrink: 0;
  border: 1px solid var(--line-inv); border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  font-size: clamp(1.3rem, 3vw, 2.4rem); font-weight: 400;
  transition: background-color .35s, color .35s, transform .5s var(--ease-out), border-color .35s;
}
.footer-cta-link:hover .cta-arrow { background: var(--lime); border-color: var(--lime); color: var(--ink); transform: rotate(45deg); }
.footer-cta-link:hover em { color: var(--lime); }

.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 3rem;
  padding: 3.5rem 0;
}
@media (max-width: 760px) { .footer-grid { grid-template-columns: 1fr; gap: 2.2rem; } }
.footer-col h5 {
  font-family: var(--f-mono); font-size: .68rem; font-weight: 500;
  letter-spacing: .24em; text-transform: uppercase; color: var(--tx-inv-2); margin-bottom: 1.1rem;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: .55rem; }
.footer-col a {
  text-decoration: none; color: var(--tx-inv); font-size: .95rem; font-weight: 400;
  display: inline-flex; align-items: center; gap: .5rem; transition: color .25s;
}
.footer-col a::before {
  content: '→'; font-size: .8em; color: var(--cyan); opacity: 0;
  transform: translateX(-6px); transition: opacity .25s, transform .25s var(--ease-out);
}
.footer-col a:hover { color: var(--cyan); }
.footer-col a:hover::before { opacity: 1; transform: translateX(0); }
.footer-brand-blurb { color: var(--tx-inv-2); font-size: .92rem; line-height: 1.7; max-width: 320px; margin-top: 1rem; }

.footer-base {
  display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 1rem;
  border-top: 1px solid var(--line-inv); padding: 1.6rem 0 2rem;
  font-family: var(--f-mono); font-size: .7rem; letter-spacing: .1em; color: var(--tx-inv-2);
}
.footer-base .local-time { display: inline-flex; align-items: center; gap: .5rem; }
.footer-base .local-time .pulse {
  width: 7px; height: 7px; border-radius: 50%; background: var(--green);
  animation: pulseDot 2.4s ease-in-out infinite;
}
@keyframes pulseDot { 0%,100% { box-shadow: 0 0 0 0 rgba(29,158,110,.5); } 50% { box-shadow: 0 0 0 6px rgba(29,158,110,0); } }

/* ── ledger terminal (dark card) ──────────────────────────────────────── */
.ledger-card {
  background: var(--ink-2); border: 1px solid var(--line-inv); border-radius: var(--r-lg);
  overflow: hidden; box-shadow: 0 40px 80px -20px rgba(11, 17, 32, .45);
}
.ledger-head {
  display: flex; align-items: center; gap: .45rem;
  padding: .95rem 1.3rem; border-bottom: 1px solid var(--line-inv); background: var(--ink-3);
}
.ledger-dot { width: 9px; height: 9px; border-radius: 50%; }
.ledger-title { margin-left: .6rem; font-family: var(--f-mono); font-size: .7rem; letter-spacing: .06em; color: var(--tx-inv-2); }
.ledger-body { padding: 1.4rem 1.5rem; min-height: 250px; font-family: var(--f-mono); font-size: .82rem; line-height: 2.1; }
.ledger-line { color: #D8E0F2; white-space: pre-wrap; word-break: break-word; }
.ledger-time { color: var(--tx-inv-2); margin-right: .7rem; }
.ledger-ok { color: #3DDC97; font-weight: 500; }
.ledger-cursor {
  display: inline-block; width: 8px; height: 1.05em; background: var(--cyan);
  vertical-align: text-bottom; margin-left: 2px; animation: curBlink 1s steps(1) infinite;
}
@keyframes curBlink { 0%,49% { opacity: 1; } 50%,100% { opacity: 0; } }

/* ── generic hover-tilt card ──────────────────────────────────────────── */
.tilt-wrap { perspective: 900px; }
.tilt {
  transition: box-shadow .4s var(--ease-out);
  transform-style: preserve-3d; will-change: transform;
}

/* ── reveal defaults (JS animates; keep visible without JS) ───────────── */
[data-reveal] { will-change: transform, opacity; }
.no-js [data-reveal] { opacity: 1 !important; transform: none !important; }

/* ── forms (contact) — scoped to .contact-form to avoid clashing with the
      calculator tools' own .field class ─────────────────────────────────── */
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.4rem; }
@media (max-width: 620px) { .field-row { grid-template-columns: 1fr; } }
.contact-form .field { position: relative; padding-top: 1.3rem; }
.contact-form .field label {
  position: absolute; top: 2.2rem; left: 0;
  font-size: 1rem; color: var(--tx-3); pointer-events: none;
  transition: top .3s var(--ease-out), font-size .3s var(--ease-out), color .3s, letter-spacing .3s;
}
.contact-form .field input, .contact-form .field select, .contact-form .field textarea {
  width: 100%; background: transparent; border: none; border-bottom: 1px solid var(--line-2);
  border-radius: 0; padding: .9rem 0 .8rem; color: var(--tx);
  font-family: var(--f-sans); font-size: 1.05rem; transition: border-color .3s;
}
.contact-form .field textarea { resize: vertical; min-height: 96px; }
.contact-form .field input:focus, .contact-form .field select:focus, .contact-form .field textarea:focus { outline: none; border-color: var(--blue); }
.contact-form .field.filled label,
.contact-form .field input:focus ~ label, .contact-form .field textarea:focus ~ label,
.contact-form .field select:focus ~ label,
.contact-form .field.always-up label {
  top: 0; font-size: .66rem; letter-spacing: .18em; text-transform: uppercase;
  font-family: var(--f-mono); color: var(--blue);
}
.contact-form .field .bar {
  position: absolute; bottom: 0; left: 0; height: 1.5px; width: 100%;
  background: var(--blue); transform: scaleX(0); transform-origin: left center;
  transition: transform .5s var(--ease-out);
}
.contact-form .field input:focus ~ .bar, .contact-form .field textarea:focus ~ .bar,
.contact-form .field select:focus ~ .bar { transform: scaleX(1); }

/* ── reduced motion: intentionally NOT honoured — the site always animates
      (site owner's choice; OS "animation effects off" was hiding all motion) */

/* ── mobile refinements ───────────────────────────────────────────────── */
@media (max-width: 899px) {
  /* services rail becomes a native swipe carousel with snapping */
  .hs-viewport { scroll-snap-type: x proximity; }
  .hs-card, .hs-cta-card { scroll-snap-align: center; }
}
@media (max-width: 640px) {
  :root { --nav-h: 72px; }
  .d-hero { font-size: clamp(2.35rem, 11.5vw, 3.2rem); }
  .d-1 { font-size: clamp(1.9rem, 8.5vw, 2.6rem); }
  .btn { padding: .95rem 1.7rem; font-size: .9rem; width: auto; }
  .hero-ctas { width: 100%; }
  .hero-ctas .btn { flex: 1 1 auto; justify-content: center; min-width: 0; }
  .section { padding-left: 1.25rem; padding-right: 1.25rem; }
  .footer-cta-link {
    font-size: clamp(1.9rem, 11vw, 3rem);
    overflow-wrap: anywhere; word-break: break-word;
  }
  .footer-cta-link .cta-arrow { width: 3rem; height: 3rem; font-size: 1.2rem; }
  .stats-band { gap: 1.6rem 1.1rem; }
  .stat-cell { padding-left: 1rem; }
  .why-row-head { gap: 1rem; padding: 1.35rem 0; }
  .why-plus { width: 34px; height: 34px; }
  .menu-overlay .menu-links a { font-size: clamp(2rem, 10.5vw, 3rem); }
  .ledger-body { font-size: .72rem; padding: 1.1rem 1rem; min-height: 210px; }
  .marquee-item { font-size: .95rem; gap: 1.5rem; padding-right: 1.5rem; }
  .footer-grid { padding: 2.5rem 0; }
  .footer-base { flex-direction: column; align-items: flex-start; gap: .6rem; }
}
/* calculator pages on mobile: no sideways scroll, no iOS input auto-zoom */
.page-wrap { overflow-x: clip; }
@media (max-width: 640px) {
  .page-wrap input, .page-wrap select, .page-wrap textarea { font-size: 16px; }
}

/* keyboard focus visibility (accessibility + Lighthouse) */
a:focus-visible, button:focus-visible, input:focus-visible,
select:focus-visible, textarea:focus-visible, [tabindex]:focus-visible {
  outline: 2px solid var(--blue); outline-offset: 3px; border-radius: 4px;
}
.s-ink a:focus-visible, .yfo-footer a:focus-visible, .menu-overlay a:focus-visible {
  outline-color: var(--cyan);
}

/* ── util ─────────────────────────────────────────────────────────────── */
.tag {
  display: inline-flex; align-items: center;
  font-family: var(--f-mono); font-size: .64rem; letter-spacing: .12em; text-transform: uppercase;
  padding: .32rem .8rem; border: 1px solid var(--line); border-radius: 100px; color: var(--tx-2);
}
.tag.hl { color: var(--blue); border-color: rgba(43,75,240,.35); background: var(--blue-soft); }
.s-ink .tag, .tag.inv { border-color: var(--line-inv); color: var(--tx-inv-2); }
.s-ink .tag.hl { color: var(--cyan); border-color: rgba(70,200,255,.3); background: rgba(70,200,255,.08); }

/* legacy calculator pages (.page-wrap) were built without a margin reset —
   restore UA-ish defaults for their unclassed text elements */
.page-wrap p:not([class]) { margin: .8em 0; }
.page-wrap ul:not([class]), .page-wrap ol:not([class]) { padding-left: 1.2em; margin: .8em 0; }

.sr-only {
  position: absolute; width: 1px; height: 1px; margin: -1px; padding: 0;
  clip: rect(0 0 0 0); overflow: hidden; white-space: nowrap; border: 0;
}