/* ==========================================================================
   home.css — homepage composition. Tokens and shared components: ux.css.
   Sections: hero + portrait · credentials · meet Leah · expertise index ·
   calculator band · questions · verify · contact · directory · consultation dialog
   ========================================================================== */

main { display: block; }
.sec-head { max-width: 40rem; margin-bottom: var(--s-7); }
.sec-head h2, .h-section { font-size: var(--fs-2xl); line-height: 1.08; margin: 0 0 var(--s-4); letter-spacing: -.02em; }
.sec-head p { font-size: var(--fs-md); color: var(--ink-3); margin: 0; }
.i { width: 1em; height: 1em; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: none; }

/* ---- Hero ---- */
.home-hero { position: relative; padding: clamp(2rem, 1rem + 4vw, 4.5rem) 0 var(--s-8); overflow: clip; }
.home-hero::before { /* one quiet light source behind the portrait */
  content: ""; position: absolute; z-index: -1; width: 62vw; max-width: 900px; aspect-ratio: 1; right: -12vw; top: -18%;
  background: radial-gradient(closest-side, rgba(12, 74, 134, .07), transparent 70%); pointer-events: none;
}
.hero-grid { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: clamp(2rem, 1rem + 4vw, 5rem); align-items: center; }
.hero-copy h1 { font-size: var(--fs-3xl); line-height: 1.02; letter-spacing: -.028em; margin: 0 0 var(--s-5); max-width: 13ch; }
.hero-copy h1 em { position: relative; display: inline-block; }
/* One brass stroke under the promise, drawn once. CSS, not JS: nothing above the fold waits for a script. */
.h1-rule { position: absolute; left: -1%; bottom: -.12em; width: 102%; height: .2em; overflow: visible; pointer-events: none; }
.h1-rule path { fill: none; stroke: var(--brass); stroke-width: 2; stroke-linecap: round; /* no non-scaling-stroke: it breaks pathLength dashes */
  stroke-dasharray: 1; stroke-dashoffset: 1; animation: rule-draw 1100ms 650ms var(--ease-out) forwards; }
@keyframes rule-draw { to { stroke-dashoffset: 0; } }
.hero-copy .lede { max-width: 34rem; margin: 0 0 var(--s-6); font-size: clamp(1.1rem, 1.02rem + .35vw, 1.28rem); }
.hero-actions { display: flex; flex-wrap: wrap; align-items: center; gap: var(--s-4) var(--s-5); }
.hero-note { margin: var(--s-4) 0 0; font-size: .92rem; color: var(--ink-4); max-width: 34rem; text-wrap: pretty; }

/* Entrance: short, transform-led, never gating content (reduced motion: static). */
/* The h1 is the largest paint on phones: it renders immediately (an element that starts at opacity 0 is
   skipped by LCP, which then waits for the portrait). Everything around it still rises in. */
.hero-copy > :not(h1) { animation: rise 700ms var(--ease-out) both; }
.hero-copy > :nth-child(2) { animation-delay: 60ms; }
.hero-copy > :nth-child(3) { animation-delay: 120ms; }
.hero-copy > :nth-child(4) { animation-delay: 180ms; }
.hero-copy > :nth-child(5) { animation-delay: 220ms; }

/* ---- Portrait: Leah's studio photo, a caption line, nothing around it ---- */
/* Deliberately modest: the headline leads, the portrait signs it. */
.portrait { margin: 0; width: clamp(15.5rem, 24vw, 20rem); justify-self: end; }
.portrait-frame { position: relative; display: block; aspect-ratio: 4 / 5; border-radius: var(--r-xs); overflow: hidden; background: #626776; box-shadow: 0 24px 50px -30px rgba(15, 29, 46, .5), 0 1px 2px rgba(15, 29, 46, .08); }
.portrait-frame picture { display: contents; }
.portrait-frame img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 18%; display: block; animation: settle 1400ms var(--ease-out) backwards;
  transition: scale 900ms var(--ease-out); }
/* With the motion layer on, the photo drifts a few percent inside its frame as the page scrolls (it needs the overscan). */
[data-motion="on"] .portrait-frame img { position: absolute; left: 0; top: -5%; height: 110%; }
/* The portrait is a link to /about/: a quiet cue on hover and keyboard focus. */
a.portrait-frame:hover img, a.portrait-frame:focus-visible img { scale: 1.025; }
a.portrait-frame:focus-visible { outline: 3px solid var(--accent); outline-offset: 4px; }
.portrait-cue { position: absolute; left: var(--s-3); bottom: var(--s-3); display: inline-flex; align-items: center; gap: .45rem; padding: .45rem .75rem; border-radius: var(--r-pill);
  background: rgba(255, 255, 255, .94); color: var(--ink); font-size: .78rem; font-weight: 600; line-height: 1; box-shadow: var(--shadow-2);
  opacity: 0; transform: translateY(6px); transition: opacity var(--t-2) var(--ease-out), transform var(--t-3) var(--ease-out); }
a.portrait-frame:hover .portrait-cue, a.portrait-frame:focus-visible .portrait-cue { opacity: 1; transform: none; }
@media (hover: none) { .portrait-cue { opacity: 1; transform: none; } }
@keyframes settle { from { scale: 1.045; } to { scale: 1; } }
.portrait figcaption { display: grid; gap: .2rem;
  margin-top: var(--s-4); padding-top: var(--s-3); border-top: 1px solid var(--line-2); animation: rise 700ms 260ms var(--ease-out) both; }
.portrait figcaption b { font-family: var(--font-display); font-size: 1.15rem; font-weight: 500; color: var(--ink); line-height: 1.2; }
.portrait-role { font-size: .8rem; color: var(--ink-3); line-height: 1.45; }
.portrait-role span { display: block; }

/* Press feedback (motion layer animates --press with a spring). */
[data-motion="on"] :is(.btn, .modal-btn) { scale: var(--press); }
.ledger dt { font-variant-numeric: tabular-nums; }

/* ---- Credentials ledger ---- */
.ledger { margin-top: var(--s-8); border-top: 1px solid var(--line-2); display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.ledger > div { padding: var(--s-5) var(--s-5) 0 0; }
.ledger > div + div { padding-left: var(--s-5); border-left: 1px solid var(--line); }
.ledger dt { font-family: var(--font-display); font-size: clamp(1.9rem, 1.5rem + 1.2vw, 2.6rem); font-weight: 450; line-height: 1; color: var(--ink); letter-spacing: -.02em; }
.ledger dd { margin: .55rem 0 0; font-size: .9rem; color: var(--ink-3); line-height: 1.45; max-width: 24ch; }
.ledger dd a { color: var(--ink-2); }

/* ---- Meet Leah ---- */
.meet { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(2rem, 1rem + 5vw, 6rem); align-items: start; }
.meet-intro { position: sticky; top: calc(var(--header-h) + 2rem); }
.meet-intro > p { font-size: var(--fs-md); line-height: 1.6; color: var(--ink-3); }
.meet-intro .btn-row { display: flex; flex-wrap: wrap; gap: var(--s-3) var(--s-5); align-items: center; margin-top: var(--s-5); }
.facts { list-style: none; margin: 0; padding: 0; counter-reset: f; border-top: 1px solid var(--line-2); }
.facts li { counter-increment: f; display: grid; grid-template-columns: 3.2rem 1fr; gap: 0 var(--s-4); padding: var(--s-5) 0; border-bottom: 1px solid var(--line); margin: 0; }
.facts li::before { content: counter(f, decimal-leading-zero); font-family: var(--font-display); font-size: 1.05rem; color: var(--brass); padding-top: .2rem; }
.facts h3 { grid-column: 2; font-size: 1.35rem; margin: 0 0 .4rem; }
.facts p { grid-column: 2; margin: 0; color: var(--ink-2); }

.watch { display: grid; grid-template-columns: 112px 1fr; gap: var(--s-4); align-items: center; margin-top: var(--s-6); padding: var(--s-3);
  background: var(--surface-1); border: 1px solid var(--line); border-radius: var(--r-md); box-shadow: var(--shadow-1); }
.watch p { margin: 0; font-size: .92rem; color: var(--ink-3); line-height: 1.5; }
.watch p b { display: block; font-family: var(--font-display); font-size: 1.12rem; font-weight: 500; color: var(--ink); margin-bottom: .15rem; }
.yt-facade { position: relative; width: 100%; aspect-ratio: 9 / 16; border-radius: var(--r-sm); overflow: hidden; cursor: pointer; background: var(--night); }
.yt-facade picture { display: contents; }
.yt-facade img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform var(--t-3) var(--ease-out); }
.yt-facade:hover img { transform: scale(1.04); }
.yt-facade iframe { position: absolute; inset: 0; width: 100%; height: 100%; border: 0; }
.yt-play { position: absolute; inset: 50% auto auto 50%; width: 40px; height: 40px; margin: -20px 0 0 -20px; border-radius: 50%;
  display: grid; place-items: center; background: rgba(255, 255, 255, .94); box-shadow: var(--shadow-2); pointer-events: none; }
.yt-play svg { width: 16px; height: 16px; fill: var(--ink); margin-left: 3px; }
.yt-fallback { position: absolute; inset: auto 0 .8rem 0; text-align: center; color: #fff; font-weight: 600; font-size: .82rem; }
.watch:has(.yt-facade[data-loaded]) { grid-template-columns: 1fr; }
.watch:has(.yt-facade[data-loaded]) .yt-facade { max-width: 300px; margin-inline: auto; }
.social-line { display: flex; flex-wrap: wrap; align-items: baseline; gap: .2rem .9rem; margin-top: var(--s-4); font-size: .88rem; color: var(--ink-4); }
.social-line span { width: 100%; }
.social-line a { color: var(--ink-2); font-weight: 600; text-decoration: none; }
.social-line a:hover { color: var(--accent); text-decoration: underline; }

/* ---- Expertise index ---- */
.index { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--line-2); }
.index li { margin: 0; border-bottom: 1px solid var(--line); }
.index a { display: grid; grid-template-columns: 4rem minmax(0, 1fr) minmax(0, 1.25fr) 2.5rem; gap: var(--s-5); align-items: baseline;
  padding: var(--s-6) var(--s-3); color: inherit; text-decoration: none; position: relative; isolation: isolate;
  transition: padding var(--t-3) var(--ease-out); }
.index a::before { content: ""; position: absolute; inset: 0; z-index: -1; background: var(--surface-1); opacity: 0; transition: opacity var(--t-2); border-radius: var(--r-sm); }
.index a:hover::before { opacity: 1; }
.index a:hover { padding-inline: var(--s-5) var(--s-3); }
.index .n { font-family: var(--font-display); font-size: 1.05rem; color: var(--brass); }
.index h3 { margin: 0; font-size: var(--fs-xl); line-height: 1.1; }
.index p { margin: 0; color: var(--ink-3); font-size: 1rem; }
.index .go { justify-self: end; align-self: center; width: 2.5rem; height: 2.5rem; border-radius: 50%; display: grid; place-items: center;
  border: 1px solid var(--line-2); color: var(--ink); transition: background-color var(--t-2), color var(--t-2), transform var(--t-2) var(--ease-out), border-color var(--t-2); }
.index a:hover .go { background: var(--accent); border-color: var(--accent); color: #fff; transform: translateX(3px); }

/* With the motion layer: one navy bar springs between rows (assets/js/motion-layer.js) and the lit row inverts. */
.index.has-hl { position: relative; }
.index.has-hl > li:not(.index-hl) { position: relative; z-index: 1; }
.index.has-hl > li.index-hl { position: absolute; z-index: 0; left: 0; right: 0; top: 0; height: 0; margin: 0; border: 0; border-radius: var(--r-sm); background: var(--night); opacity: 0; pointer-events: none; }
.index.has-hl a::before { display: none; }
.index.has-hl :is(h3, p, .n) { transition: color var(--t-2) var(--ease-out); }
.index.has-hl li.is-lit h3 { color: #fff; }
.index.has-hl li.is-lit p { color: #C5CEDA; }
.index.has-hl li.is-lit .n { color: #D9BC8E; }
.index.has-hl li.is-lit .go, .index.has-hl li.is-lit a:hover .go { background: #fff; border-color: #fff; color: var(--ink); }

/* ---- Calculator band ---- */
.band-night { background: var(--night); color: #C9D2DD; position: relative; overflow: clip; }
@property --glow-y { syntax: '<length>'; inherits: true; initial-value: 0px; }
@property --press { syntax: '<number>'; inherits: false; initial-value: 1; }
.band-night::before { translate: 0 var(--glow-y); content: ""; position: absolute; inset: auto -10% -40% auto; width: 70%; aspect-ratio: 1; pointer-events: none;
  background: radial-gradient(closest-side, rgba(44, 111, 179, .22), transparent 70%); }
.band-night h2 { color: #fff; }
.band-night .eyebrow { color: #9FC0E3; }
.band-night .sec-head p, .band-night p { color: #B7C2CF; }
.calc-layout { position: relative; display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: clamp(2rem, 1rem + 5vw, 6rem); align-items: start; }
.calc-notes { list-style: none; padding: 0; margin: var(--s-6) 0 0; display: grid; gap: var(--s-3); }
.calc-notes li { display: grid; grid-template-columns: 1.2rem 1fr; gap: .6rem; font-size: .93rem; color: #B7C2CF; margin: 0; }
.calc-notes .i { color: #9FC0E3; margin-top: .3rem; }
.calc-card { background: var(--surface-1); color: var(--ink-2); border-radius: var(--r-lg); padding: clamp(1.25rem, 1rem + 1.5vw, 2rem); box-shadow: 0 40px 80px -40px rgba(0, 0, 0, .6); }
.calc-fields { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s-4); }
.calc-fields .fg { margin: 0; }
.calc-fields .fg-wide { grid-column: 1 / -1; }
.fg-custom { display: none; } .fg-custom.show { display: block; }
.calc-results { margin-top: var(--s-5); border-top: 1px solid var(--line); padding-top: var(--s-4); }
.calc-row { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; padding: .45rem 0; font-size: .95rem; }
.calc-row-label { color: var(--ink-3); }
.calc-row-value { font-weight: 650; color: var(--ink); font-variant-numeric: tabular-nums; }
.calc-row-highlight { margin-top: var(--s-3); padding: var(--s-4) var(--s-4); border-radius: var(--r-md); background: var(--paper-2); align-items: center; }
.calc-row-highlight .calc-row-label { color: var(--ink); font-weight: 600; }
.calc-row-highlight .calc-row-value { font-family: var(--font-display); font-size: clamp(1.8rem, 1.4rem + 1.3vw, 2.5rem); font-weight: 450; color: var(--accent); letter-spacing: -.02em; }
.calc-cta { width: 100%; margin-top: var(--s-4); }
.calc-empty { margin: 0 0 .2rem; font-size: .88rem; color: var(--ink-4); }
.calc-card.has-values .calc-empty { display: none; }
.calc-card:not(.has-values) .calc-row-value { color: var(--ink-4); }
.calc-disclaimer { margin: var(--s-3) 0 0; font-size: .8rem; color: var(--ink-4); }
/* Phone wizard (built in the page script) */
.wiz-dots, .wiz-foot { display: none; }
@media (max-width: 760px) {
  .calc-card.wiz .calc-step { display: none; }
  .calc-card.wiz .calc-step.on { display: block; animation: rise var(--t-2) var(--ease-out); }
  .calc-card.wiz .calc-cta { display: none; }
  .calc-card.wiz.last .calc-cta { display: flex; }
  .calc-card.wiz .wiz-dots { display: flex; gap: .35rem; justify-content: center; margin-bottom: var(--s-4); }
  .wiz-dots span { width: 7px; height: 7px; border-radius: 50%; background: var(--line-2); transition: width var(--t-2) var(--ease-out), background-color var(--t-2); }
  .wiz-dots span.on { background: var(--accent); width: 22px; border-radius: 4px; }
  .calc-card.wiz .wiz-foot { display: flex; gap: .6rem; margin-top: var(--s-4); }
  .calc-card.wiz .wiz-foot .btn { flex: 1; }
}

/* ---- Questions ---- */
.qa { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(2rem, 1rem + 5vw, 6rem); align-items: start; }
.qa-aside { position: sticky; top: calc(var(--header-h) + 2rem); }
.qa-aside .links { display: grid; gap: .6rem; margin-top: var(--s-5); }
.faq-list { border-top: 1px solid var(--line-2); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-h { margin: 0; font: inherit; }
.faq-q { width: 100%; display: flex; align-items: center; gap: var(--s-4); padding: var(--s-5) 0; background: none; border: 0; text-align: left; cursor: pointer; color: var(--ink); }
.faq-q-text { flex: 1; font-family: var(--font-display); font-size: clamp(1.2rem, 1.1rem + .4vw, 1.4rem); line-height: 1.25; }
.faq-q:hover .faq-q-text { color: var(--accent); }
.faq-mark { position: relative; flex: none; width: 2.1rem; height: 2.1rem; border-radius: 50%; border: 1px solid var(--line-2); transition: background-color var(--t-2), border-color var(--t-2); }
.faq-mark::before, .faq-mark::after { content: ""; position: absolute; left: 50%; top: 50%; width: 11px; height: 1.5px; margin: -.75px 0 0 -5.5px; background: currentColor; transition: transform var(--t-3) var(--ease-out); }
.faq-mark::after { transform: rotate(90deg); }
.faq-item.active .faq-mark { background: var(--ink); border-color: var(--ink); color: #fff; }
.faq-item.active .faq-mark::after { transform: rotate(0deg); }
.faq-a { display: grid; grid-template-rows: 0fr; visibility: hidden; transition: grid-template-rows var(--t-3) var(--ease-out), visibility 0s linear var(--t-3); }
.faq-item.active .faq-a { grid-template-rows: 1fr; visibility: visible; transition: grid-template-rows var(--t-3) var(--ease-out), visibility 0s; }
.faq-a > div { overflow: hidden; }
.faq-a-inner { padding: 0 3.5rem var(--s-5) 0; color: var(--ink-2); line-height: 1.7; }

/* ---- Your money: how funds are held + how to verify it ---- */
.verify { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, .75fr); border: 1px solid var(--line-2); border-radius: var(--r-lg); background: var(--surface-1); overflow: hidden; box-shadow: var(--shadow-1); }
.verify > div { padding: clamp(1.5rem, 1rem + 2.4vw, 3rem); }
.verify h2 { font-size: var(--fs-2xl); line-height: 1.08; letter-spacing: -.02em; margin: 0 0 var(--s-4); }
.funds-lede { font-size: var(--fs-md); line-height: 1.6; color: var(--ink-3); margin: 0 0 var(--s-6); max-width: 52ch; }
.funds-facts { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: var(--s-5); margin: 0; padding-top: var(--s-5); border-top: 1px solid var(--line-2); }
.funds-facts dt { display: flex; align-items: center; gap: .55rem; font-family: var(--font-display); font-size: 1.35rem; font-weight: 500; color: var(--ink); line-height: 1.2; }
.funds-facts dt .i { width: 1.35rem; height: 1.35rem; padding: .22rem; border-radius: 50%; background: var(--accent-soft); color: var(--accent); stroke-width: 2.4; }
.funds-facts dd { margin: .5rem 0 0; font-size: .95rem; line-height: 1.55; color: var(--ink-2); }
.verify-steps { background: var(--paper-2); border-left: 1px solid var(--line); }
.verify-steps h3 { font-size: 1.4rem; margin: 0 0 var(--s-4); }
.verify ol { margin: 0; padding: 0; list-style: none; display: grid; gap: var(--s-4); counter-reset: v; }
.verify ol li { counter-increment: v; display: grid; grid-template-columns: 1.9rem 1fr; gap: .4rem; margin: 0; font-size: .95rem; line-height: 1.55; color: var(--ink-2); }
.verify ol li::before { content: counter(v); width: 1.5rem; height: 1.5rem; border-radius: 50%; display: grid; place-items: center; background: var(--surface-1); border: 1px solid var(--line-2); color: var(--ink); font-size: .78rem; font-weight: 700; margin-top: .1rem; }
.press-line { margin: var(--s-5) 0 0; font-size: .95rem; color: var(--ink-3); }
.press-line b { color: var(--ink); }
.press-line .text-link { margin-left: .35rem; white-space: nowrap; }

/* ---- Contact ---- */
.contact { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: clamp(2rem, 1rem + 5vw, 6rem); align-items: center; }
.contact h2 { font-size: var(--fs-3xl); line-height: 1.02; letter-spacing: -.028em; margin: 0 0 var(--s-5); }
.next-steps { list-style: none; margin: 0; padding: 0; counter-reset: s; display: grid; gap: 0; border-top: 1px solid var(--line-2); }
.next-steps li { counter-increment: s; display: grid; grid-template-columns: 2.4rem 1fr; padding: var(--s-4) 0; border-bottom: 1px solid var(--line); margin: 0; color: var(--ink-2); }
.next-steps li::before { content: counter(s, decimal-leading-zero); font-family: var(--font-display); color: var(--brass); }
.contact-card { background: var(--surface-1); border: 1px solid var(--line); border-radius: var(--r-lg); padding: clamp(1.5rem, 1rem + 2vw, 2.5rem); box-shadow: var(--shadow-2); }
.contact-who { display: flex; align-items: center; gap: var(--s-4); margin-bottom: var(--s-5); }
.contact-who img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; object-position: 50% 25%; }
.contact-who b { display: block; font-family: var(--font-display); font-size: 1.3rem; font-weight: 500; color: var(--ink); line-height: 1.2; }
.contact-who span { font-size: .88rem; color: var(--ink-3); }
.contact-card .btn { width: 100%; }
.contact-lines { list-style: none; margin: var(--s-5) 0 0; padding: 0; display: grid; gap: 0; border-top: 1px solid var(--line); }
.contact-lines li { margin: 0; border-bottom: 1px solid var(--line); }
.contact-lines a { display: flex; align-items: center; gap: .8rem; padding: .85rem 0; color: var(--ink); font-weight: 600; text-decoration: none; }
.contact-lines a:hover { color: var(--accent); }
.contact-lines .i { color: var(--accent); font-size: 1.1rem; }
.contact-lines small { margin-left: auto; font-weight: 500; color: var(--ink-4); font-size: .82rem; }
.contact-card .fine { margin: var(--s-4) 0 0; font-size: .84rem; color: var(--ink-4); }

/* ---- Directory (long-form context + internal links) ---- */
.directory { border-top: 1px solid var(--line-2); padding-top: var(--s-7); display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, .8fr); gap: clamp(2rem, 1rem + 4vw, 5rem); }
.directory h2 { font-size: var(--fs-lg); margin: 0 0 var(--s-4); }
.directory p { font-size: .95rem; color: var(--ink-3); }
.dir-links { display: grid; grid-template-columns: 1fr 1fr; gap: var(--s-5); align-content: start; }
.dir-links h3 { font-family: var(--font-sans); font-size: .74rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-4); margin: 0 0 .6rem; }
.dir-links ul { list-style: none; margin: 0; padding: 0; }
.dir-links li { margin: 0 0 .35rem; font-size: .92rem; }
.dir-links a { color: var(--ink-2); text-decoration: none; }
.dir-links a:hover { color: var(--accent); text-decoration: underline; }

/* ---- Consultation dialog ---- */
.modal-overlay { position: fixed; inset: 0; z-index: 11000; display: flex; align-items: center; justify-content: center; padding: 1rem;
  background: rgba(10, 20, 33, .5); -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px);
  opacity: 0; visibility: hidden; transition: opacity var(--t-2) var(--ease-out), visibility 0s linear var(--t-2); }
.modal-overlay.active { opacity: 1; visibility: visible; transition: opacity var(--t-2) var(--ease-out), visibility 0s; }
.modal { position: relative; width: 100%; max-width: 480px; max-height: calc(100dvh - 32px); overflow-y: auto; overscroll-behavior: contain;
  background: var(--surface-1); border-radius: var(--r-lg); box-shadow: 0 50px 120px -30px rgba(10, 20, 33, .55);
  transform: translateY(16px) scale(.985); transition: transform var(--t-3) var(--ease-out); }
.modal-overlay.active .modal { transform: none; }
.modal-x { position: absolute; top: .8rem; right: .8rem; z-index: 2; width: 44px; height: 44px; border-radius: 50%; border: 0; background: var(--paper-2); color: var(--ink); cursor: pointer; display: grid; place-items: center; }
.modal-x:hover { background: var(--paper-3); }
.modal-top { padding: 1.8rem 1.8rem 0; display: grid; grid-template-columns: 56px 1fr; gap: 0 1rem; align-items: center; }
.modal-top picture { grid-row: span 2; }
.modal-top img { width: 56px; height: 56px; border-radius: 50%; object-fit: cover; object-position: 50% 25%; }
.modal-top h2 { font-size: 1.75rem; margin: 0; padding-right: 2.5rem; line-height: 1.1; }
.modal-top h2:focus { outline: none; }
.modal-top p { margin: .3rem 0 0; font-size: .92rem; color: var(--ink-3); }
.modal-body { padding: 1.4rem 1.8rem 1.8rem; }
.modal-body .fg { margin-bottom: .95rem; }
.modal-steps { margin: 0 0 1.1rem; padding: .85rem 1rem .85rem 2.1rem; background: var(--paper-2); border-radius: var(--r-sm); font-size: .88rem; color: var(--ink-3); line-height: 1.5; }
.modal-steps li { color: var(--ink-3); margin: 0; }
.modal-steps li + li { margin-top: .25rem; }
.modal-btn { width: 100%; min-height: 52px; border-radius: var(--r-pill); font: 600 1rem/1 var(--font-sans); cursor: pointer; display: inline-flex; align-items: center; justify-content: center; gap: .6rem; }
.modal-btn[aria-busy="true"] { cursor: progress; }
.modal-btn[aria-busy="true"]::before { content: ""; width: 16px; height: 16px; border-radius: 50%; border: 2px solid rgba(255, 255, 255, .35); border-top-color: #fff; animation: spin 700ms linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.form-status { display: block; margin: .8rem 0 0; padding: .75rem .9rem; border-radius: var(--r-sm); background: #FBEFED; color: var(--danger); font-size: .9rem; line-height: 1.45; animation: rise var(--t-2) var(--ease-out); }
.form-status:empty { display: none; }
.form-status a { color: var(--danger); font-weight: 600; }
.modal-note { display: flex; gap: .5rem; align-items: baseline; margin: .9rem 0 0; font-size: .82rem; line-height: 1.5; color: var(--ink-4); }
.modal-ok { display: none; }
.modal-ok.show { display: block; animation: fade var(--t-3) var(--ease-out); }
.ok-mark { width: 60px; height: 60px; margin: 1.8rem auto .6rem; display: block; }
.ok-mark circle { fill: none; stroke: var(--ok); stroke-width: 2; stroke-dasharray: 164; stroke-dashoffset: 164; animation: dash 700ms var(--ease-out) forwards; }
.ok-mark path { fill: none; stroke: var(--ok); stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 40; stroke-dashoffset: 40; animation: dash 450ms 550ms var(--ease-out) forwards; }
@keyframes dash { to { stroke-dashoffset: 0; } }
.modal-ok .ok-head { text-align: center; padding: 0 1.8rem; }
.modal-ok .ok-head h2 { font-size: 1.7rem; margin: 0 0 .4rem; }
.modal-ok .ok-head h2:focus { outline: none; }
.modal-ok .ok-head p { margin: 0; color: var(--ink-3); font-size: .95rem; }
.modal-ok h3 { font-size: 1.15rem; margin: 0 0 .6rem; }
.cl-sec { font-size: .72rem; font-weight: 700; color: var(--accent); text-transform: uppercase; letter-spacing: .1em; margin: 1rem 0 .3rem; }
.cl { list-style: none; margin: 0; padding: 0; }
.cl li { padding: .45rem 0 .45rem 1.1rem; font-size: .9rem; color: var(--ink-2); border-bottom: 1px solid var(--line); margin: 0; position: relative; }
.cl li::before { content: ""; position: absolute; left: 0; top: .95rem; width: 5px; height: 5px; border-radius: 50%; background: var(--brass); }
.cl-foot { background: var(--paper-2); border-radius: var(--r-sm); padding: .9rem 1rem; margin-top: 1rem; font-size: .88rem; color: var(--ink-2); }
.ok-actions { display: grid; grid-template-columns: 1fr 1fr; gap: .6rem; margin-top: 1rem; }
.ok-actions .btn { width: 100%; font-size: .9rem; padding-inline: .8rem; }
.fr { display: grid; grid-template-columns: 1fr 1fr; gap: .6rem; }

/* ---- Responsive ---- */
@media (max-width: 900px) {
  .hero-grid, .meet, .calc-layout, .qa, .contact, .directory { grid-template-columns: 1fr; }
  /* Single column: a byline row, photo beside the name, so the hero stays about the visitor's question. */
  .portrait { justify-self: start; width: 100%; max-width: 26rem; display: grid; grid-template-columns: 7.5rem minmax(0, 1fr); gap: var(--s-5); align-items: center; }
  .portrait figcaption { margin: 0; padding: 0; border: 0; }
  .portrait-cue { display: none; }
  .meet-intro, .qa-aside { position: static; }
  .ledger { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .ledger > div:nth-child(3) { border-left: 0; padding-left: 0; }
  .ledger > div { padding-bottom: var(--s-5); }
  .ledger > div:nth-child(n+3) { border-top: 1px solid var(--line); }
  .index a { grid-template-columns: 3rem minmax(0, 1fr) 2.5rem; }
  .index a p { grid-column: 2; grid-row: 2; }
  .index .go { grid-column: 3; grid-row: 1 / span 2; }
  .verify { grid-template-columns: 1fr; }
  .verify-steps { border-left: 0; border-top: 1px solid var(--line); }
}
@media (max-width: 560px) {
  .home-hero { padding-top: var(--s-5); }
  .hero-copy h1 { font-size: clamp(2.3rem, 9.6vw, 2.9rem); }
  .hero-actions .btn { width: 100%; }
  .hero-actions .text-link { margin: .2rem auto 0; }
  .portrait { grid-template-columns: 6.5rem minmax(0, 1fr); gap: var(--s-4); }
  .ledger { margin-top: var(--s-7); }
  .ledger dd { font-size: .85rem; }
  .index a { padding: var(--s-5) 0; gap: var(--s-2) var(--s-4); grid-template-columns: 2.2rem minmax(0, 1fr) 2.3rem; }
  .index a:hover { padding-inline: 0; }
  .index h3 { font-size: 1.4rem; }
  .calc-fields { grid-template-columns: 1fr; }
  .funds-facts { grid-template-columns: 1fr; }
  .faq-a-inner { padding-right: 0; }
  .contact h2 { font-size: var(--fs-2xl); }
  .dir-links { grid-template-columns: 1fr 1fr; }
  .modal-overlay { align-items: flex-end; padding: 0; }
  .modal { max-width: none; border-radius: var(--r-lg) var(--r-lg) 0 0; max-height: 92dvh; transform: translateY(40px); }
  .modal-top { padding: 1.4rem 1.25rem 0; }
  .modal-body { padding: 1.2rem 1.25rem calc(1.4rem + env(safe-area-inset-bottom)); }
  .fr, .ok-actions { grid-template-columns: 1fr; }
}