/* ============================================================
   KINGS OF CAPITAL — v1
   Private bank meets throne room. Navy-black, champagne gold.
   ============================================================ */

:root {
  --ink: #07090F;            /* page background — near-black navy */
  --ink-2: #0B0F18;          /* raised surface */
  --ink-3: #101624;          /* card surface */
  --gold: #D8B24A;           /* primary gold */
  --gold-bright: #F2D57E;    /* highlight gold */
  --gold-deep: #9C7A22;      /* shadow gold */
  --bone: #EDE8DC;           /* warm off-white text */
  --mute: #8B93A3;           /* muted body text */
  --line: rgba(216, 178, 74, 0.22);
  --line-soft: rgba(237, 232, 220, 0.08);
  --danger: #8b0000;
  --font-display: "Cinzel", serif;
  --font-body: "Inter", -apple-system, sans-serif;
  --font-accent: "Cormorant Garamond", serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  background: var(--ink);
  color: var(--bone);
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

::selection { background: var(--gold); color: var(--ink); }

img { max-width: 100%; display: block; }

.wrap { width: min(1180px, 92vw); margin: 0 auto; }

/* ---------- type ---------- */

h1, h2, h3, .display {
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--bone);
  line-height: 1.12;
  letter-spacing: 0.01em;
}

.eyebrow {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.34em;
  text-transform: uppercase;
  color: var(--gold);
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 22px;
}
.eyebrow::before {
  content: "";
  width: 42px; height: 1px;
  background: linear-gradient(90deg, var(--gold), transparent);
}
.eyebrow.center { justify-content: center; }
.eyebrow.center::after {
  content: "";
  width: 42px; height: 1px;
  background: linear-gradient(270deg, var(--gold), transparent);
}

.gold-text {
  background: linear-gradient(115deg, var(--gold-deep) 0%, var(--gold) 38%, var(--gold-bright) 52%, var(--gold) 68%, var(--gold-deep) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.lead { color: var(--mute); font-size: 19px; max-width: 62ch; }

/* ---------- buttons — sharp corners, never pills ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  text-decoration: none;
  cursor: pointer;
  border: none;
  border-radius: 0;
  padding: 19px 36px;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
}

.btn-gold {
  background: linear-gradient(115deg, #B98F2E, var(--gold) 45%, var(--gold-bright) 55%, var(--gold));
  color: #14100A;
  box-shadow: 0 0 0 1px rgba(242, 213, 126, .35) inset, 0 12px 34px -12px rgba(216, 178, 74, .55);
}
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 0 0 1px rgba(242,213,126,.6) inset, 0 18px 44px -12px rgba(216,178,74,.7); }

.btn-ghost {
  background: transparent;
  color: var(--bone);
  box-shadow: 0 0 0 1px var(--line) inset;
}
.btn-ghost:hover { box-shadow: 0 0 0 1px var(--gold) inset; color: var(--gold-bright); }

.btn-lg { padding: 23px 46px; font-size: 15px; }

/* ---------- header ---------- */

.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 90;
  padding: 0;
  transition: background .3s ease, box-shadow .3s ease;
}
.site-header.scrolled {
  background: rgba(7, 9, 15, 0.92);
  backdrop-filter: blur(14px);
  box-shadow: 0 1px 0 var(--line-soft);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 13px;
  text-decoration: none;
}
.brand .crown { width: 30px; height: auto; }
.brand .lion { width: 27px; height: auto; }
.survey-brand .lion { width: 21px; }
.hero-crest.lion { width: 58px; }
.finale .lion { width: 54px; margin: 0 auto 34px; display: block; }
.brand-name {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 17px;
  letter-spacing: 0.18em;
  color: var(--bone);
}
.brand-name em { font-style: normal; color: var(--gold); }

/* main nav + dropdown */
.main-nav { display: flex; align-items: center; gap: 34px; }
.nav-link {
  background: none;
  border: none;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--bone);
  text-decoration: none;
  cursor: pointer;
  opacity: .85;
  padding: 8px 0;
}
.nav-link:hover { color: var(--gold-bright); opacity: 1; }
.nav-link .caret { color: var(--gold); font-size: 10px; margin-left: 4px; }

.nav-drop { position: relative; }
.drop-panel {
  position: absolute;
  top: 100%;
  left: -22px;
  min-width: 300px;
  background: rgba(9, 12, 20, .98);
  border: 1px solid var(--line);
  padding: 12px 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: all .22s ease;
  z-index: 95;
}
.nav-drop:hover .drop-panel,
.nav-drop:focus-within .drop-panel { opacity: 1; visibility: visible; transform: translateY(0); }
.drop-panel a {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 12px 24px;
  color: var(--bone);
  text-decoration: none;
  font-size: 14px;
  font-weight: 500;
  letter-spacing: .02em;
  transition: all .15s ease;
}
.drop-panel a:hover { background: var(--ink-3); color: var(--gold-bright); padding-left: 30px; }
.drop-panel .drop-num {
  font-family: var(--font-display);
  font-size: 11px;
  color: var(--gold);
  width: 22px;
  flex-shrink: 0;
}

/* burger + mobile menu */
.nav-burger {
  display: none;
  background: none;
  border: 1px solid var(--line);
  width: 44px; height: 44px;
  cursor: pointer;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
}
.nav-burger span { display: block; width: 18px; height: 2px; background: var(--gold); transition: all .25s ease; }
.nav-burger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-burger.open span:nth-child(2) { opacity: 0; }
.nav-burger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  display: none;
  background: rgba(7, 9, 15, .98);
  border-top: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line);
  padding: 20px min(5vw, 48px) 30px;
  max-height: calc(100vh - 78px);
  overflow-y: auto;
}
.mobile-menu.open { display: block; }
.mobile-menu-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .28em;
  text-transform: uppercase;
  color: var(--gold);
  margin: 22px 0 8px;
}
.mobile-menu a {
  display: block;
  color: var(--bone);
  text-decoration: none;
  font-size: 16px;
  font-weight: 500;
  padding: 11px 0;
  border-bottom: 1px solid var(--line-soft);
}
.mobile-menu a:hover { color: var(--gold-bright); }

.header-right { display: flex; align-items: center; gap: 26px; }
.header-phone {
  color: var(--bone);
  text-decoration: none;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.06em;
  opacity: .85;
}
.header-phone:hover { color: var(--gold-bright); opacity: 1; }
.header-cta { padding: 13px 26px; font-size: 12px; }

/* ---------- hero ---------- */

.hero {
  position: relative;
  min-height: 100svh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 150px 0 0;
  isolation: isolate;
}
.hero-bg {
  position: absolute; inset: 0; z-index: -2;
  background:
    linear-gradient(180deg, rgba(7,9,15,.72) 0%, rgba(7,9,15,.88) 55%, var(--ink) 96%),
    url("../images/buildings-dark.webp") center 30% / cover no-repeat;
  filter: saturate(.4) contrast(1.05);
}
.hero-glow {
  position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(52% 44% at 50% 8%, rgba(216,178,74,.13), transparent 70%),
    radial-gradient(30% 26% at 82% 68%, rgba(216,178,74,.05), transparent 70%);
  pointer-events: none;
}

.hero-center { text-align: center; }

.hero-crest { width: 74px; margin: 0 auto 30px; opacity: .95; }

.hero h1 {
  font-size: clamp(42px, 6.4vw, 88px);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.02em;
  margin-bottom: 28px;
}
.hero h1 .line { display: block; }

.hero .lead { margin: 0 auto 44px; }

.hero-ctas {
  display: flex;
  gap: 18px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 30px;
}
.hero-note { font-size: 13px; color: var(--mute); letter-spacing: .04em; }
.hero-note strong { color: var(--gold); font-weight: 600; }

/* stats strip */
.stats-strip {
  margin-top: 84px;
  border-top: 1px solid var(--line-soft);
  border-bottom: 1px solid var(--line-soft);
  background: rgba(11, 15, 24, .55);
  backdrop-filter: blur(8px);
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.stat {
  padding: 34px 20px;
  text-align: center;
  border-left: 1px solid var(--line-soft);
}
.stat:first-child { border-left: none; }
.stat-num {
  font-family: var(--font-display);
  font-size: clamp(26px, 3vw, 40px);
  font-weight: 700;
}
.stat-label {
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--mute);
  margin-top: 6px;
}

/* ---------- ticker ---------- */

.ticker {
  overflow: hidden;
  border-bottom: 1px solid var(--line-soft);
  padding: 20px 0;
  background: var(--ink);
}
.ticker-track {
  display: flex;
  gap: 0;
  width: max-content;
  animation: ticker 38s linear infinite;
}
.ticker-item {
  font-family: var(--font-display);
  font-size: 15px;
  font-weight: 700;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: rgba(237, 232, 220, .5);
  white-space: nowrap;
  padding: 0 28px;
  display: flex;
  align-items: center;
  gap: 56px;
}
.ticker-item::after { content: "✦"; color: var(--gold); font-size: 12px; }
@keyframes ticker { to { transform: translateX(-50%); } }

/* ---------- sections ---------- */

section { padding: 110px 0; position: relative; }

.sec-head { max-width: 760px; margin-bottom: 64px; }
.sec-head.center { margin-inline: auto; text-align: center; }
.sec-head h2 {
  font-size: clamp(30px, 4vw, 52px);
  text-transform: uppercase;
  margin-bottom: 20px;
}
.sec-head p { color: var(--mute); font-size: 18px; }

/* ---------- programs (The Round Table) ---------- */

.programs { background: linear-gradient(180deg, var(--ink) 0%, #090D16 100%); }

.program-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line-soft);
  border: 1px solid var(--line-soft);
}

.program-card {
  background: var(--ink-2);
  padding: 44px 38px 38px;
  position: relative;
  display: flex;
  flex-direction: column;
  transition: background .25s ease;
}
.program-card:hover { background: var(--ink-3); }
.program-card::before {
  content: "";
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), transparent 60%);
  opacity: 0;
  transition: opacity .25s ease;
}
.program-card:hover::before { opacity: 1; }

.program-roman {
  font-family: var(--font-display);
  font-size: 13px;
  letter-spacing: .3em;
  color: var(--gold);
  margin-bottom: 18px;
}
.program-card h3 {
  font-size: 22px;
  text-transform: uppercase;
  letter-spacing: .04em;
  margin-bottom: 8px;
}
.program-tag {
  font-family: var(--font-accent);
  font-style: italic;
  font-size: 17px;
  color: var(--mute);
  margin-bottom: 24px;
}
.program-specs {
  list-style: none;
  margin-bottom: 30px;
  flex: 1;
}
.program-specs li {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 9px 0;
  border-bottom: 1px solid var(--line-soft);
  font-size: 14px;
}
.program-specs li span:first-child { color: var(--mute); }
.program-specs li span:last-child { color: var(--bone); font-weight: 600; text-align: right; }
.program-cta {
  align-self: flex-start;
  padding: 13px 24px;
  font-size: 12px;
}

/* ---------- process (Roman numerals) ---------- */

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 44px;
}
.step { position: relative; padding-top: 8px; }
.step-numeral {
  font-family: var(--font-display);
  font-size: 64px;
  font-weight: 700;
  line-height: 1;
  background: linear-gradient(180deg, var(--gold-bright), var(--gold-deep));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  margin-bottom: 20px;
}
.step h3 {
  font-size: 17px;
  text-transform: uppercase;
  letter-spacing: .08em;
  margin-bottom: 12px;
}
.step p { color: var(--mute); font-size: 15px; }

/* ---------- creed (asset-based lending) ---------- */

.creed { background: #090D16; border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft); }
.creed-inner {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 80px;
  align-items: center;
}
.creed-list { list-style: none; margin-top: 36px; }
.creed-list li {
  display: flex;
  gap: 18px;
  padding: 18px 0;
  border-bottom: 1px solid var(--line-soft);
  align-items: baseline;
}
.creed-list .mark {
  color: var(--gold);
  font-family: var(--font-display);
  font-size: 15px;
  flex-shrink: 0;
}
.creed-list strong { color: var(--bone); display: block; font-size: 16px; letter-spacing: .02em; }
.creed-list p { color: var(--mute); font-size: 15px; margin: 0; }

.creed-panel {
  border: 1px solid var(--line);
  padding: 52px 46px;
  background:
    radial-gradient(120% 100% at 50% 0%, rgba(216,178,74,.08), transparent 60%),
    var(--ink-2);
  text-align: center;
}
.creed-panel .crown { width: 56px; margin: 0 auto 26px; }
.creed-quote {
  font-family: var(--font-accent);
  font-style: italic;
  font-size: 27px;
  line-height: 1.4;
  color: var(--bone);
  margin-bottom: 26px;
}
.creed-source { font-size: 12px; letter-spacing: .26em; text-transform: uppercase; color: var(--gold); }

/* ---------- BRRRR banner ---------- */

.brrrr {
  padding: 90px 0;
  background:
    linear-gradient(90deg, rgba(7,9,15,.95) 30%, rgba(7,9,15,.7)),
    url("../images/banner-2.webp") center / cover no-repeat;
  border-bottom: 1px solid var(--line-soft);
}
.brrrr-letters {
  display: flex;
  gap: 4px;
  margin-bottom: 26px;
}
.brrrr-letters span {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: clamp(30px, 4.4vw, 58px);
  color: var(--ink);
  background: linear-gradient(115deg, var(--gold-deep), var(--gold) 50%, var(--gold-bright));
  padding: 2px 16px;
}
.brrrr h2 { font-size: clamp(24px, 3vw, 38px); text-transform: uppercase; margin-bottom: 16px; }
.brrrr p { color: var(--mute); max-width: 56ch; margin-bottom: 30px; }

/* ---------- testimonials ---------- */

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}
.testimonial {
  border: 1px solid var(--line-soft);
  padding: 44px 38px;
  background: var(--ink-2);
  position: relative;
}
.testimonial::before {
  content: "“";
  font-family: var(--font-accent);
  font-size: 120px;
  line-height: 0.6;
  color: var(--gold);
  opacity: .18;
  position: absolute;
  top: 86px; left: 26px;
}
.testimonial blockquote {
  font-family: var(--font-accent);
  font-size: 19px;
  font-style: italic;
  line-height: 1.55;
  color: var(--bone);
  margin-bottom: 26px;
  position: relative;
}
.testimonial cite {
  font-family: var(--font-body);
  font-style: normal;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--gold);
}
.testimonial .stars { color: var(--gold); letter-spacing: 6px; font-size: 13px; margin-bottom: 18px; }

/* ---------- FAQ ---------- */

.faq { background: #090D16; border-top: 1px solid var(--line-soft); }
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--line-soft); }
.faq-q {
  width: 100%;
  background: none;
  border: none;
  color: var(--bone);
  font-family: var(--font-body);
  font-size: 17px;
  font-weight: 600;
  text-align: left;
  padding: 26px 54px 26px 4px;
  cursor: pointer;
  position: relative;
  letter-spacing: .01em;
}
.faq-q:hover { color: var(--gold-bright); }
.faq-q::after {
  content: "+";
  font-family: var(--font-display);
  position: absolute;
  right: 10px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gold);
  font-size: 24px;
  transition: transform .25s ease;
}
.faq-item.open .faq-q::after { transform: translateY(-50%) rotate(45deg); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease;
}
.faq-a-inner { padding: 0 4px 28px; color: var(--mute); font-size: 15.5px; max-width: 68ch; }

/* ---------- final CTA ---------- */

.finale {
  padding: 150px 0;
  text-align: center;
  background:
    radial-gradient(60% 70% at 50% 110%, rgba(216,178,74,.14), transparent 70%),
    var(--ink);
}
.finale .crown { width: 64px; margin: 0 auto 34px; }
.finale h2 {
  font-size: clamp(34px, 5vw, 66px);
  text-transform: uppercase;
  margin-bottom: 24px;
}
.finale p { color: var(--mute); font-size: 19px; margin-bottom: 46px; }
.finale-contact { margin-top: 34px; font-size: 14px; color: var(--mute); letter-spacing: .05em; }
.finale-contact a { color: var(--gold); text-decoration: none; }
.finale-contact a:hover { color: var(--gold-bright); }

/* ---------- footer — legal only ---------- */

.site-footer {
  border-top: 1px solid var(--line-soft);
  padding: 44px 0 52px;
  background: #05070C;
}
.footer-inner { text-align: center; }
.footer-legal-links {
  display: flex;
  justify-content: center;
  gap: 34px;
  margin-bottom: 22px;
}
.footer-legal-links button {
  background: none;
  border: none;
  color: var(--mute);
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .2em;
  text-transform: uppercase;
  cursor: pointer;
}
.footer-legal-links button:hover { color: var(--gold); }
.footer-disclaimer {
  max-width: 860px;
  margin: 0 auto 18px;
  font-size: 12px;
  line-height: 1.7;
  color: rgba(139, 147, 163, .75);
}
.footer-copy { font-size: 12px; color: rgba(139, 147, 163, .6); letter-spacing: .06em; }

/* ---------- legal modals ---------- */

.modal {
  position: fixed;
  inset: 0;
  z-index: 200;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 4vh 4vw;
}
.modal.open { display: flex; }
.modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(4, 5, 9, .82);
  backdrop-filter: blur(6px);
}
.modal-panel {
  position: relative;
  background: var(--ink-2);
  border: 1px solid var(--line);
  width: min(860px, 100%);
  max-height: 88vh;
  display: flex;
  flex-direction: column;
}
.modal-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 26px 34px;
  border-bottom: 1px solid var(--line-soft);
}
.modal-head h3 {
  font-size: 16px;
  letter-spacing: .22em;
  text-transform: uppercase;
}
.modal-close {
  background: none;
  border: 1px solid var(--line);
  color: var(--bone);
  width: 40px; height: 40px;
  font-size: 18px;
  cursor: pointer;
  transition: all .2s ease;
}
.modal-close:hover { border-color: var(--gold); color: var(--gold); }
.modal-body {
  padding: 30px 34px 40px;
  overflow-y: auto;
  font-size: 14.5px;
  color: var(--mute);
}
.modal-body h4 { color: var(--bone); margin: 26px 0 10px; font-family: var(--font-body); font-size: 15px; letter-spacing: .04em; }
.modal-body p { margin-bottom: 14px; }

/* ============================================================
   THE SURVEY — one funnel to capture all traffic
   ============================================================ */

.survey {
  position: fixed;
  inset: 0;
  z-index: 300;
  background:
    radial-gradient(70% 55% at 50% 0%, rgba(216,178,74,.09), transparent 65%),
    var(--ink);
  display: none;
  flex-direction: column;
  overflow-y: auto;
}
.survey.open { display: flex; }

.survey-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px min(5vw, 48px);
  flex-shrink: 0;
}
.survey-brand { display: flex; align-items: center; gap: 11px; }
.survey-brand .crown { width: 24px; }
.survey-brand span {
  font-family: var(--font-display);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .22em;
  color: var(--bone);
}
.survey-exit {
  background: none;
  border: 1px solid var(--line-soft);
  color: var(--mute);
  width: 42px; height: 42px;
  font-size: 17px;
  cursor: pointer;
  transition: all .2s ease;
}
.survey-exit:hover { border-color: var(--gold); color: var(--gold); }

.survey-progress {
  height: 2px;
  background: var(--line-soft);
  margin: 0 min(5vw, 48px);
  flex-shrink: 0;
}
.survey-progress-fill {
  height: 100%;
  width: 0%;
  background: linear-gradient(90deg, var(--gold-deep), var(--gold-bright));
  transition: width .4s ease;
}

.survey-stage {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 40px min(5vw, 48px) 80px;
}

.survey-step {
  display: none;
  width: min(680px, 100%);
  animation: stepIn .45s ease both;
}
.survey-step.active { display: block; }
@keyframes stepIn {
  from { opacity: 0; transform: translateY(18px); }
  to { opacity: 1; transform: translateY(0); }
}

.survey-count {
  font-family: var(--font-display);
  font-size: 12px;
  letter-spacing: .3em;
  color: var(--gold);
  margin-bottom: 18px;
  text-transform: uppercase;
}
.survey-step h2 {
  font-size: clamp(24px, 3.4vw, 38px);
  margin-bottom: 10px;
  text-transform: none;
  font-weight: 700;
}
.survey-hint { color: var(--mute); font-size: 15px; margin-bottom: 34px; }

.survey-options { display: grid; gap: 12px; }
.survey-options.cols-2 { grid-template-columns: 1fr 1fr; }

.survey-opt {
  background: var(--ink-2);
  border: 1px solid var(--line-soft);
  color: var(--bone);
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 500;
  text-align: left;
  padding: 20px 24px;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 16px;
  transition: all .18s ease;
  border-radius: 0;
}
.survey-opt:hover { border-color: var(--gold); background: var(--ink-3); transform: translateX(4px); }
.survey-opt.selected { border-color: var(--gold); background: var(--ink-3); box-shadow: 0 0 0 1px var(--gold) inset; }
.survey-opt .key {
  font-family: var(--font-display);
  font-size: 12px;
  color: var(--gold);
  border: 1px solid var(--line);
  width: 28px; height: 28px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.survey-opt .opt-sub { display: block; font-size: 13px; color: var(--mute); margin-top: 3px; }

.survey-field { margin-bottom: 18px; }
.survey-field label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--mute);
  margin-bottom: 9px;
}
.survey-field input, .survey-field select {
  width: 100%;
  background: var(--ink-2);
  border: 1px solid var(--line-soft);
  color: var(--bone);
  font-family: var(--font-body);
  font-size: 17px;
  padding: 17px 18px;
  border-radius: 0;
  outline: none;
  transition: border .2s ease;
  -webkit-appearance: none;
  appearance: none;
}
.survey-field input:focus, .survey-field select:focus { border-color: var(--gold); }
.survey-field select { cursor: pointer; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }

.consent-box {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: var(--ink-2);
  border: 1px solid var(--line-soft);
  padding: 16px 18px;
  margin-bottom: 12px;
  cursor: pointer;
}
.consent-box input {
  margin-top: 4px;
  accent-color: var(--gold);
  width: 16px; height: 16px;
  flex-shrink: 0;
  cursor: pointer;
}
.consent-box span { font-size: 12.5px; line-height: 1.55; color: var(--mute); }

.survey-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 36px;
}
.survey-back {
  background: none;
  border: none;
  color: var(--mute);
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: .16em;
  text-transform: uppercase;
  cursor: pointer;
  padding: 10px 0;
}
.survey-back:hover { color: var(--gold); }
.survey-back[hidden] { visibility: hidden; }

.survey-error {
  color: #E86C6C;
  font-size: 13.5px;
  margin-top: 16px;
  display: none;
}
.survey-error.show { display: block; }

/* success step */
.survey-success { text-align: center; }
.survey-success .crown { width: 72px; margin: 0 auto 30px; }
.survey-success h2 { font-size: clamp(30px, 4vw, 46px); text-transform: uppercase; margin-bottom: 16px; }
.survey-success p { color: var(--mute); font-size: 17px; max-width: 54ch; margin: 0 auto 36px; }
.survey-success .btn { margin: 0 8px 12px; }

/* ---------- program detail pages ---------- */

.page-hero {
  position: relative;
  padding: 190px 0 90px;
  background:
    radial-gradient(60% 50% at 50% 0%, rgba(216,178,74,.10), transparent 70%),
    linear-gradient(180deg, rgba(7,9,15,.82) 0%, var(--ink) 92%),
    url("../images/banner-3.webp") center 20% / cover no-repeat;
  border-bottom: 1px solid var(--line-soft);
}
.page-hero .eyebrow { margin-bottom: 18px; }
.page-hero h1 {
  font-size: clamp(36px, 5vw, 64px);
  text-transform: uppercase;
  margin-bottom: 14px;
}
.page-tagline {
  font-family: var(--font-accent);
  font-style: italic;
  font-size: clamp(20px, 2.4vw, 26px);
  color: var(--gold-bright);
  margin-bottom: 22px;
}
.page-hero .lead { margin-bottom: 40px; }
.page-hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; }

.quickstats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--line-soft);
  border: 1px solid var(--line-soft);
  margin-top: 64px;
}
.quickstat { background: rgba(11,15,24,.82); padding: 24px 22px; }
.quickstat .qs-label { font-size: 11px; letter-spacing: .22em; text-transform: uppercase; color: var(--mute); margin-bottom: 6px; }
.quickstat .qs-value { font-family: var(--font-display); font-size: 21px; font-weight: 700; color: var(--bone); }

.program-layout {
  display: grid;
  grid-template-columns: 1.5fr .9fr;
  gap: 72px;
  align-items: start;
}
.program-body h2 {
  font-size: clamp(24px, 3vw, 34px);
  text-transform: uppercase;
  margin: 54px 0 18px;
}
.program-body h2:first-child { margin-top: 0; }
.program-body p { color: var(--mute); margin-bottom: 16px; }
.program-body .creed-list { margin-top: 10px; }

.terms-panel {
  position: sticky;
  top: 108px;
  border: 1px solid var(--line);
  background:
    radial-gradient(120% 100% at 50% 0%, rgba(216,178,74,.08), transparent 60%),
    var(--ink-2);
  padding: 40px 36px;
}
.terms-panel h3 {
  font-size: 15px;
  letter-spacing: .26em;
  text-transform: uppercase;
  margin-bottom: 22px;
  color: var(--gold);
}
.terms-panel .program-specs { margin-bottom: 28px; }
.terms-panel .btn { width: 100%; margin-bottom: 12px; }
.terms-note { font-size: 12px; color: var(--mute); text-align: center; }

/* cross links */
.crosslinks { border-top: 1px solid var(--line-soft); background: #090D16; }
.crosslink-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line-soft);
  border: 1px solid var(--line-soft);
}
.crosslink {
  background: var(--ink-2);
  padding: 30px 30px;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 16px;
  transition: background .2s ease;
}
.crosslink:hover { background: var(--ink-3); }
.crosslink .drop-num { font-family: var(--font-display); font-size: 13px; color: var(--gold); }
.crosslink .cl-name { font-family: var(--font-display); font-size: 16px; font-weight: 700; color: var(--bone); letter-spacing: .04em; }
.crosslink:hover .cl-name { color: var(--gold-bright); }
.crosslink .cl-arrow { margin-left: auto; color: var(--gold); }

/* program card cta row on home */
.program-cta-row { display: flex; align-items: center; gap: 20px; }
.program-more {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: .06em;
  color: var(--mute);
  text-decoration: none;
}
.program-more:hover { color: var(--gold-bright); }

/* ---------- calculators (The War Room) ---------- */

.calc-card {
  border: 1px solid var(--line-soft);
  background: var(--ink-2);
  margin-bottom: 60px;
}
.calc-head {
  display: flex;
  align-items: baseline;
  gap: 22px;
  padding: 36px 44px 30px;
  border-bottom: 1px solid var(--line-soft);
  flex-wrap: wrap;
}
.calc-head .program-roman { margin: 0; font-size: 15px; }
.calc-head h2 { font-size: clamp(22px, 2.6vw, 30px); text-transform: uppercase; }
.calc-head .calc-tag {
  font-family: var(--font-accent);
  font-style: italic;
  font-size: 17px;
  color: var(--mute);
  margin-left: auto;
}

.calc-body {
  display: grid;
  grid-template-columns: 1.1fr .9fr;
}

.calc-inputs { padding: 40px 44px; }
.calc-field { margin-bottom: 26px; }
.calc-field label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--mute);
  margin-bottom: 10px;
}
.calc-field label .cf-value {
  font-family: var(--font-display);
  font-size: 16px;
  color: var(--gold-bright);
  letter-spacing: .04em;
}
.money-input {
  display: flex;
  align-items: center;
  background: var(--ink);
  border: 1px solid var(--line-soft);
  transition: border .2s ease;
}
.money-input:focus-within { border-color: var(--gold); }
.money-input .prefix {
  padding: 0 0 0 16px;
  color: var(--gold);
  font-family: var(--font-display);
  font-size: 15px;
}
.money-input input {
  width: 100%;
  background: none;
  border: none;
  outline: none;
  color: var(--bone);
  font-family: var(--font-body);
  font-size: 17px;
  font-weight: 600;
  padding: 15px 16px 15px 10px;
}

input[type="range"].gold-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 2px;
  background: linear-gradient(90deg, var(--gold) var(--fill, 50%), rgba(237,232,220,.14) var(--fill, 50%));
  outline: none;
  margin: 14px 0 4px;
}
input[type="range"].gold-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px; height: 20px;
  background: linear-gradient(135deg, var(--gold-bright), var(--gold-deep));
  border: 1px solid var(--gold-bright);
  transform: rotate(45deg);
  cursor: pointer;
  box-shadow: 0 0 14px rgba(216,178,74,.5);
}
input[type="range"].gold-range::-moz-range-thumb {
  width: 20px; height: 20px;
  background: linear-gradient(135deg, var(--gold-bright), var(--gold-deep));
  border: 1px solid var(--gold-bright);
  transform: rotate(45deg);
  cursor: pointer;
  border-radius: 0;
}
.range-note { font-size: 11.5px; color: var(--mute); letter-spacing: .04em; }
.range-note button {
  background: none; border: none; padding: 0;
  color: var(--gold); cursor: pointer;
  font: inherit; letter-spacing: inherit;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.range-note button:hover { color: var(--gold-bright); }

.calc-results {
  border-left: 1px solid var(--line-soft);
  background:
    radial-gradient(120% 100% at 50% 0%, rgba(216,178,74,.09), transparent 60%),
    var(--ink-3);
  padding: 40px 44px;
  display: flex;
  flex-direction: column;
}
.calc-results h3 {
  font-size: 13px;
  letter-spacing: .3em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
}
.result-hero { margin-bottom: 26px; }
.result-hero .rh-label { font-size: 11px; letter-spacing: .22em; text-transform: uppercase; color: var(--mute); margin-bottom: 6px; }
.result-hero .rh-value {
  font-family: var(--font-display);
  font-size: clamp(34px, 3.6vw, 46px);
  font-weight: 800;
  line-height: 1.05;
}
.result-hero .rh-value.negative { color: #E86C6C; -webkit-text-fill-color: currentColor; background: none; }
.result-rows { list-style: none; margin-bottom: 26px; }
.result-rows li {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  padding: 10px 0;
  border-bottom: 1px solid var(--line-soft);
  font-size: 14px;
}
.result-rows li span:first-child { color: var(--mute); }
.result-rows li span:last-child { color: var(--bone); font-weight: 600; font-variant-numeric: tabular-nums; }

.verdict {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  padding: 10px 16px;
  border: 1px solid var(--gold);
  color: var(--gold-bright);
  margin-bottom: 26px;
  align-self: flex-start;
}
.verdict.bad { border-color: #E86C6C; color: #E86C6C; }

.calc-cta { margin-top: auto; }
.calc-cta .btn { width: 100%; margin-bottom: 10px; }
.calc-disclaimer { font-size: 11.5px; color: var(--mute); text-align: center; line-height: 1.6; }

@media (max-width: 1020px) {
  .calc-body { grid-template-columns: 1fr; }
  .calc-results { border-left: none; border-top: 1px solid var(--line-soft); }
}
@media (max-width: 720px) {
  .calc-inputs, .calc-results, .calc-head { padding-left: 24px; padding-right: 24px; }
}

/* ---------- contact page ---------- */

.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}
.contact-card {
  border: 1px solid var(--line-soft);
  background: var(--ink-2);
  padding: 46px 38px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  transition: border-color .2s ease;
}
.contact-card:hover { border-color: var(--line); }
.contact-card.featured {
  border-color: var(--line);
  background:
    radial-gradient(120% 100% at 50% 0%, rgba(216,178,74,.10), transparent 60%),
    var(--ink-2);
}
.contact-icon {
  font-family: var(--font-display);
  font-size: 30px;
  color: var(--gold);
  margin-bottom: 18px;
}
.contact-card h3 { font-size: 18px; text-transform: uppercase; letter-spacing: .08em; margin-bottom: 10px; }
.contact-card p { color: var(--mute); font-size: 15px; margin-bottom: 26px; flex: 1; }
.contact-card .btn { padding: 15px 28px; font-size: 13px; }

/* ---------- reveal on scroll ---------- */

.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ---------- responsive ---------- */

@media (max-width: 1020px) {
  .main-nav { display: none; }
  .nav-burger { display: flex; }
  .program-grid { grid-template-columns: 1fr 1fr; }
  .program-layout { grid-template-columns: 1fr; gap: 56px; }
  .terms-panel { position: static; }
  .quickstats { grid-template-columns: 1fr 1fr; }
  .crosslink-grid { grid-template-columns: 1fr 1fr; }
  .contact-grid { grid-template-columns: 1fr; max-width: 560px; margin-inline: auto; }
  .process-grid { grid-template-columns: 1fr 1fr; gap: 52px 36px; }
  .creed-inner { grid-template-columns: 1fr; gap: 56px; }
  .testimonial-grid { grid-template-columns: 1fr; max-width: 640px; margin-inline: auto; }
}

@media (max-width: 720px) {
  section { padding: 80px 0; }
  .header-phone { display: none; }
  .header-cta { display: none; }
  .page-hero { padding: 150px 0 70px; }
  .quickstats { grid-template-columns: 1fr; }
  .crosslink-grid { grid-template-columns: 1fr; }
  .page-hero-ctas .btn { width: 100%; }
  .brand-name { font-size: 14px; letter-spacing: .14em; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .stat:nth-child(3) { border-left: none; }
  .stat { border-top: 1px solid var(--line-soft); }
  .stat:nth-child(-n+2) { border-top: none; }
  .program-grid { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; gap: 44px; }
  .survey-options.cols-2 { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .hero { padding-top: 120px; }
  .hero-ctas .btn { width: 100%; }
}

/* ---------- eligibility block (program pages) ---------- */

.eligibility { border-top: 1px solid var(--line-soft); background: var(--ink-2); }
.elig-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line-soft);
  border: 1px solid var(--line-soft);
}
.elig-col { background: var(--ink); padding: 34px 32px; }
.elig-col h3 {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .26em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}
.elig-col h3.elig-h3-spaced { margin-top: 30px; }
.elig-col ul { list-style: none; }
.elig-col li {
  position: relative;
  padding-left: 18px;
  font-size: 15px;
  color: var(--bone);
  line-height: 1.5;
  margin-bottom: 10px;
}
.elig-col li::before {
  content: "";
  position: absolute;
  left: 0; top: 9px;
  width: 5px; height: 5px;
  background: var(--gold);
  opacity: .7;
}

.elig-notes {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 34px;
  margin-top: 26px;
}
.elig-note {
  display: flex;
  align-items: baseline;
  gap: 9px;
  font-size: 14px;
  color: var(--mute);
}
.elig-tick { color: var(--gold); font-size: 12px; }

.elig-occupancy {
  display: flex;
  gap: 24px;
  margin-top: 40px;
  padding: 32px 36px;
  border: 1px solid var(--line);
  background:
    radial-gradient(120% 140% at 0% 0%, rgba(216,178,74,.09), transparent 62%),
    var(--ink-3);
}
.elig-occ-mark { color: var(--gold); font-size: 26px; line-height: 1; flex-shrink: 0; }
.elig-occ-body h3 {
  font-family: var(--font-display);
  font-size: 20px;
  line-height: 1.35;
  color: var(--bone);
  margin-bottom: 14px;
}
.elig-occ-body p { color: var(--mute); font-size: 16px; line-height: 1.7; margin-bottom: 16px; }
.elig-occ-body strong { color: var(--bone); }
.elig-occ-link {
  color: var(--gold);
  font-family: var(--font-body);
  font-size: 14px;
  font-weight: 600;
  letter-spacing: .04em;
  text-decoration: none;
  border-bottom: 1px solid var(--line);
  padding-bottom: 2px;
}
.elig-occ-link:hover { border-bottom-color: var(--gold); }

@media (max-width: 900px) {
  .elig-grid { grid-template-columns: 1fr; }
  .elig-occupancy { flex-direction: column; gap: 14px; padding: 26px 22px; }
}

/* ---------- occupancy rules page ---------- */

.occ-rules { display: flex; flex-direction: column; gap: 1px; background: var(--line-soft); border: 1px solid var(--line-soft); }
.occ-rule { background: var(--ink-2); padding: 36px 38px; display: flex; gap: 26px; align-items: flex-start; }
.occ-rule-num {
  font-family: var(--font-display);
  font-size: 26px;
  color: var(--gold);
  flex-shrink: 0;
  width: 54px;
  line-height: 1.1;
}
.occ-rule h3 { font-family: var(--font-display); font-size: 22px; color: var(--bone); margin-bottom: 12px; line-height: 1.3; }
.occ-rule p { color: var(--mute); font-size: 16px; line-height: 1.75; margin-bottom: 10px; }
.occ-rule p:last-child { margin-bottom: 0; }
.occ-rule strong { color: var(--bone); }
.occ-rule .occ-flag { color: var(--gold); font-style: italic; font-family: var(--font-accent); font-size: 18px; }
.occ-disclaimer {
  margin-top: 40px;
  padding: 26px 30px;
  border: 1px solid var(--line-soft);
  background: var(--ink);
  color: var(--mute);
  font-size: 14px;
  line-height: 1.75;
}
@media (max-width: 760px) {
  .occ-rule { flex-direction: column; gap: 10px; padding: 28px 22px; }
  .occ-rule-num { width: auto; }
}

/* dropdown footer link (occupancy rules) + programs intro link */
.drop-panel a.drop-foot {
  border-top: 1px solid var(--line-soft);
  margin-top: 8px;
  padding-top: 16px;
  color: var(--gold);
  font-size: 13px;
}
.drop-panel a.drop-foot:hover { color: var(--gold-bright); }
.prog-intro-link {
  display: inline-block;
  margin-top: 10px;
  color: var(--gold);
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
  border-bottom: 1px solid var(--line);
  padding-bottom: 2px;
}
.prog-intro-link:hover { border-bottom-color: var(--gold); }
.faq-a-inner a { color: var(--gold); text-decoration: underline; }