/* ══════════════════════════════════════════════
   TRG GOLD — The Royal Gold
   Global stylesheet
   ══════════════════════════════════════════════ */
:root{
  --paper:#FFFFFF; --cream:#FBF8F1; --cream-2:#F5F0E4;
  --ink:#14120F; --ink-2:#2A2620;
  --gold:#A8791C; --gold-br:#C9A227; --gold-lt:#E8D9AE; --gold-pale:#F7F1E0;
  --txt:#1A1815; --txt-2:#645E55; --txt-3:#98928A;
  --rule:#E7E0D0; --rule-2:#F0EADC;
  --ok:#2C6A5F; --ok-bg:#E5EFED; --err:#A6382B; --err-bg:#FAE9E6;
  --serif:"Poppins",system-ui,sans-serif;
  --sans:"Poppins",system-ui,-apple-system,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,monospace;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{background:var(--paper);color:var(--txt);font-family:var(--sans);
  font-size:16.5px;line-height:1.72;font-weight:400;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
ul{list-style:none}
img{max-width:100%;display:block}
button{font:inherit;cursor:pointer;border:none;background:none}
.wrap{max-width:1220px;margin:0 auto;padding:0 28px}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}

/* ── shared bits ── */
.eyebrow{font-family:var(--mono);font-size:12px;letter-spacing:.26em;text-transform:uppercase;
  color:var(--gold);font-weight:600;display:flex;align-items:center;gap:12px}
.eyebrow:before{content:"";width:32px;height:1px;background:var(--gold);display:block}
.eyebrow.ctr{justify-content:center}
.eyebrow.ctr:after{content:"";width:32px;height:1px;background:var(--gold);display:block}
h2.disp{font-family:var(--serif);font-weight:700;font-size:clamp(32px,4.4vw,46px);
  line-height:1.2;letter-spacing:-.025em;margin-top:18px}
h2.disp em{font-style:normal;font-weight:700;color:var(--gold)}
.lede{color:var(--txt-2);font-size:17px;max-width:62ch;margin-top:16px;font-weight:400;line-height:1.75}
.sec-head{max-width:730px}
.sec-head.ctr{margin:0 auto;text-align:center}
.sec-head.ctr .lede{margin-inline:auto}
section.pad{padding:96px 0}
section.pad.cream{background:var(--cream)}
@media(max-width:820px){section.pad{padding:54px 0}}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:15px 32px;
  border-radius:3px;font-weight:600;font-size:14.5px;letter-spacing:.05em;transition:all .22s;
  border:1.5px solid transparent;cursor:pointer;text-align:center}
.btn.gold{background:var(--gold);color:#fff;border-color:var(--gold)}
.btn.gold:hover{background:var(--ink);border-color:var(--ink)}
.btn.line{border-color:var(--gold);color:var(--gold);background:#fff}
.btn.line:hover{background:var(--gold);color:#fff}
.btn.dark{background:var(--ink);color:var(--gold-lt);border-color:var(--ink)}
.btn.dark:hover{background:var(--gold);color:#fff;border-color:var(--gold)}
.btn.ghost{border-color:rgba(255,255,255,.4);color:#fff}
.btn.ghost:hover{border-color:var(--gold-br);background:var(--gold-br);color:var(--ink)}
.btn.white{background:#fff;color:var(--gold);border-color:#fff}
.btn.white:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn.sm{padding:11px 20px;font-size:13.5px}
.btn.full{width:100%}
.btn[disabled]{opacity:.55;cursor:not-allowed}

/* ══ TOP STRIP ══ */
.strip{background:var(--ink);color:#CFC6B4;font-family:var(--mono);font-size:12.5px;
  font-weight:500;letter-spacing:.04em}
.strip .wrap{display:flex;align-items:center;gap:22px;height:44px;flex-wrap:wrap}
.strip .contact{display:flex;gap:26px;align-items:center}
.strip .contact a{display:inline-flex;align-items:center;gap:8px;white-space:nowrap}
.strip .contact svg{color:var(--gold-br);flex:0 0 auto}
.strip .right{margin-left:auto;display:flex;gap:22px}
.strip a:hover{color:var(--gold-br)}
@media(max-width:900px){.strip .right{display:none}}
@media(max-width:620px){
  .strip{font-size:11.5px}
  .strip .wrap{height:auto;padding:9px 28px;gap:5px 18px;justify-content:center}
  .strip .contact{gap:18px;justify-content:center;flex-wrap:wrap}
}

/* ══ HEADER ══ */
header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.97);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--rule)}
header .wrap{display:flex;align-items:center;gap:26px;height:94px}
.logo{display:flex;flex-direction:column;align-items:flex-start;gap:3px;flex:0 0 auto}
.logo img{height:60px;width:auto;display:block}
.logo .logo-sub{font-family:var(--mono);font-size:8.5px;letter-spacing:.26em;
  color:var(--txt-3);font-weight:500;padding-left:2px}
nav.menu{margin-left:auto;display:flex;gap:22px;align-items:center}
nav.menu>a{font-weight:600;font-size:14px;position:relative;padding:6px 0;color:var(--txt);white-space:nowrap}
nav.menu>a:after{content:"";position:absolute;left:0;right:100%;bottom:0;height:2px;
  background:var(--gold);transition:right .26s}
nav.menu>a:hover:after,nav.menu>a.on:after{right:0}
nav.menu>a.on{color:var(--gold)}
.hd-cta{display:flex;gap:9px;align-items:center}
.burger{display:none;width:44px;height:44px;align-items:center;justify-content:center;
  border:1px solid var(--rule);border-radius:3px;color:var(--ink);flex:0 0 auto}
.burger svg line{transition:transform .25s,opacity .2s;transform-origin:center}
.burger.open svg line:nth-child(1){transform:translateY(6px) rotate(45deg)}
.burger.open svg line:nth-child(2){opacity:0}
.burger.open svg line:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
@media(max-width:1180px){
  header .wrap{height:70px;gap:12px}
  .logo img{height:44px}
  .logo .logo-sub{font-size:7.5px;letter-spacing:.2em}
  .burger{display:flex;margin-left:auto;order:3}
  .hd-cta{order:2;margin-left:auto;gap:7px}
  .hd-cta .btn{display:none}
  .hd-cta .btn.gold{display:inline-flex;padding:10px 14px;font-size:13px;gap:6px}
  nav.menu{position:absolute;top:100%;left:0;right:0;background:#fff;
    border-bottom:1px solid var(--rule);box-shadow:0 14px 30px rgba(20,18,15,.1);
    flex-direction:column;align-items:stretch;gap:0;padding:6px 0 14px;margin:0;
    max-height:0;overflow:hidden;visibility:hidden;transition:max-height .3s ease,visibility .3s}
  nav.menu.open{max-height:660px;visibility:visible;overflow:auto}
  nav.menu>a{padding:13px 28px;border-bottom:1px solid var(--rule-2);font-size:16px}
  nav.menu>a:after{display:none}
  nav.menu .m-cta{display:flex;gap:9px;padding:14px 28px 4px}
  nav.menu .m-cta .btn{flex:1;padding:13px 10px;font-size:13.5px}
}
@media(min-width:1181px){nav.menu .m-cta{display:none}}
@media(max-width:600px){
  .logo img{height:40px}
  .hd-cta .btn.gold span{display:none}
  .hd-cta .btn.gold{padding:10px 12px}
}

/* ══ GOLD RATE TICKER ══ */
.ticker{display:flex;align-items:stretch;background:var(--gold);color:#fff;overflow:hidden}
.ticker-label{flex:0 0 auto;background:var(--ink);color:var(--gold-br);font-family:var(--mono);
  font-size:12px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
  display:flex;align-items:center;gap:9px;padding:12px 20px}
.ticker-label .dot{width:7px;height:7px;border-radius:50%;background:#4ADE80;display:block;
  box-shadow:0 0 0 3px rgba(74,222,128,.2)}
.ticker-win{flex:1;min-width:0;overflow:hidden;white-space:nowrap;display:flex;align-items:center}
.ticker-track{flex:0 0 auto;display:inline-flex;will-change:transform;animation:tick 30s linear infinite}
.ticker:hover .ticker-track{animation-play-state:paused}
.ticker-track span{font-size:14.5px;font-weight:500;padding:12px 26px;white-space:nowrap;
  display:inline-flex;align-items:center;gap:7px}
.ticker-track span b{font-weight:700;font-size:15.5px}
.ticker-track span:after{content:"";width:5px;height:5px;border-radius:50%;
  background:rgba(255,255,255,.6);margin-left:19px}
@keyframes tick{0%{transform:translateX(0)}100%{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.ticker-track{animation:none}}
@media(max-width:600px){
  .ticker-label{font-size:10.5px;padding:10px 13px;letter-spacing:.1em}
  .ticker-track span{font-size:13px;padding:10px 18px}
}

/* ══ HOME HERO ══ */
.hero{position:relative;background:var(--ink);color:#fff;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;
  background:radial-gradient(760px 420px at 78% 20%,rgba(201,162,39,.2),transparent 62%)}
.hero .grid{position:absolute;inset:0;opacity:.055;
  background-image:linear-gradient(rgba(255,255,255,.5) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.5) 1px,transparent 1px);
  background-size:74px 74px}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:48px;
  align-items:center;padding-top:70px;padding-bottom:70px}
.hero h1{font-family:var(--serif);font-weight:700;font-size:clamp(32px,4.6vw,58px);
  line-height:1.12;letter-spacing:-.03em;margin-top:18px}
.hero h1 em{font-style:normal;font-weight:700;color:var(--gold-br);display:block}
.hero p.sub{color:#CCC3B1;font-size:17px;margin-top:16px;max-width:40ch;line-height:1.65}
.hero .eyebrow{color:var(--gold-br)}
.hero .eyebrow:before{background:var(--gold-br)}
.hero-btns{display:flex;gap:11px;margin-top:26px;flex-wrap:wrap}
.hero-mini{display:flex;gap:34px;margin-top:34px;padding-top:24px;
  border-top:1px solid rgba(255,255,255,.14);flex-wrap:wrap}
.hero-mini div i{display:block;font-family:var(--mono);font-size:10.5px;letter-spacing:.18em;
  color:#A29A88;font-style:normal;font-weight:600;text-transform:uppercase}
.hero-mini div b{display:block;font-family:var(--serif);font-size:32px;font-weight:700;
  color:var(--gold-br);margin-top:6px;line-height:1;letter-spacing:-.03em}
.hero-media{position:relative;border:1px solid rgba(201,162,39,.3);background:#211E19;
  aspect-ratio:9/10;overflow:hidden}
.hero-media img{width:100%;height:100%;object-fit:cover;display:block;position:relative;z-index:1}
.hero-media .img-note{display:none;position:absolute;inset:0;align-items:center;justify-content:center;
  font-family:var(--mono);font-size:11px;letter-spacing:.16em;color:#6F675A;text-transform:uppercase}
.hero-media.noimg .img-note{display:flex}
@media(max-width:900px){
  .hero .wrap{grid-template-columns:1fr;gap:22px;padding-top:0;padding-bottom:34px}
  .hero-media{order:-1;aspect-ratio:16/7;border-left:0;border-right:0;border-top:0;
    margin-left:-28px;margin-right:-28px}
  .hero-copy{padding-top:6px}
  .hero h1{margin-top:14px}
  .hero p.sub{margin-top:12px;font-size:15.5px;max-width:none}
  .hero-btns{margin-top:20px}
  .hero-btns .btn{flex:1 1 auto;padding:13px 18px}
  .hero-mini{margin-top:26px;padding-top:18px;gap:0;justify-content:space-between;width:100%}
  .hero-mini div{flex:1;text-align:center}
  .hero-mini div b{font-size:25px}
  .hero-mini div i{font-size:9.5px;letter-spacing:.12em}
}

/* ══ PAGE BANNER (inner pages) ══ */
.pbanner{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.pbanner:before{content:"";position:absolute;inset:0;
  background:radial-gradient(760px 400px at 76% 24%,rgba(201,162,39,.2),transparent 62%)}
.pbanner .grid{position:absolute;inset:0;opacity:.055;
  background-image:linear-gradient(rgba(255,255,255,.5) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(255,255,255,.5) 1px,transparent 1px);
  background-size:74px 74px}
.pbanner .wrap{position:relative;padding:62px 28px 58px}
.crumb{font-family:var(--mono);font-size:11.5px;letter-spacing:.14em;color:#9A9182;
  text-transform:uppercase;margin-bottom:16px}
.crumb a:hover{color:var(--gold-br)}
.pbanner h1{font-family:var(--serif);font-weight:700;font-size:clamp(30px,4.4vw,46px);
  line-height:1.18;letter-spacing:-.03em}
.pbanner h1 em{font-style:normal;color:var(--gold-br)}
.pbanner p{color:#CCC3B1;font-size:16.5px;margin-top:14px;max-width:62ch;line-height:1.7}
@media(max-width:820px){.pbanner .wrap{padding:38px 28px 36px}}

/* ══ PHOTO FRAME ══ */
.ph{position:relative;overflow:hidden;background:#EFE9DC}
.ph img{width:100%;height:100%;object-fit:cover;display:block;position:relative;z-index:1}
.ph .img-note{display:none;position:absolute;inset:0;align-items:center;justify-content:center;
  font-family:var(--mono);font-size:10.5px;letter-spacing:.16em;color:#A79C84;
  text-transform:uppercase;text-align:center;padding:10px}
.ph.noimg .img-note{display:flex}

/* ══ COLLECTION GRID ══ */
.coll{display:grid;grid-template-columns:repeat(4,1fr);grid-auto-rows:246px;gap:16px;margin-top:52px}
.cc{position:relative;overflow:hidden;background:var(--ink);display:block;color:#fff}
.cc.big{grid-column:span 2;grid-row:span 2}
.cc.wide{grid-column:span 2}
.cc-img{position:absolute;inset:0;background:#EFE9DC}
.cc-img img{width:100%;height:100%;object-fit:cover;display:block;
  transition:transform .7s cubic-bezier(.2,.7,.3,1)}
.cc:hover .cc-img img{transform:scale(1.07)}
.cc:after{content:"";position:absolute;inset:0;pointer-events:none;
  background:linear-gradient(to top,rgba(12,10,8,.9) 0%,rgba(12,10,8,.45) 42%,rgba(12,10,8,.05) 72%);
  transition:background .35s}
.cc:hover:after{background:linear-gradient(to top,rgba(12,10,8,.94) 0%,rgba(12,10,8,.6) 48%,rgba(12,10,8,.18) 80%)}
.cc:before{content:"";position:absolute;inset:11px;z-index:3;pointer-events:none;
  border:1px solid rgba(232,217,174,.55);opacity:0;transform:scale(1.03);
  transition:opacity .35s,transform .35s}
.cc:hover:before{opacity:1;transform:scale(1)}
.cc-tag{position:absolute;top:18px;left:18px;z-index:3;font-family:var(--mono);font-size:10.5px;
  letter-spacing:.16em;text-transform:uppercase;color:var(--gold-br);background:rgba(12,10,8,.55);
  border:1px solid rgba(232,217,174,.4);padding:6px 11px;backdrop-filter:blur(4px)}
.cc-bd{position:absolute;left:0;right:0;bottom:0;z-index:3;padding:22px 22px 20px}
.cc-bd h3{font-family:var(--serif);font-size:22px;font-weight:700;letter-spacing:-.025em;
  color:#fff;line-height:1.2}
.cc.big .cc-bd{padding:30px 30px 28px}
.cc.big .cc-bd h3{font-size:32px}
.cc-bd p{color:#D8D0C0;font-size:14.5px;line-height:1.55;max-height:0;opacity:0;overflow:hidden;
  transition:max-height .38s ease,opacity .3s,margin .38s}
.cc:hover .cc-bd p{max-height:80px;opacity:1;margin-top:9px}
.cc-bd .go{display:inline-flex;align-items:center;gap:8px;margin-top:13px;font-family:var(--mono);
  font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-br);
  font-weight:600;transition:gap .25s}
.cc:hover .cc-bd .go{gap:14px}
.coll-cta{text-align:center;margin-top:34px}
@media(max-width:900px){
  .coll{grid-template-columns:repeat(2,1fr);grid-auto-rows:210px;gap:12px}
  .cc.big{grid-column:span 2;grid-row:span 1}
  .cc.big .cc-bd h3{font-size:25px}
  .cc-bd p{max-height:80px;opacity:1;margin-top:8px}
}
@media(max-width:560px){
  .coll{grid-template-columns:1fr;grid-auto-rows:200px}
  .cc,.cc.big,.cc.wide{grid-column:span 1}
  .cc-bd{padding:18px}
  .cc-bd h3,.cc.big .cc-bd h3{font-size:21px}
}

/* ══ SPLIT ══ */
.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:stretch}
.split>div{display:flex;flex-direction:column;justify-content:center;min-width:0}
.plate{position:relative;flex:1;min-height:440px;background:#EFE9DC;overflow:hidden}
.plate .badge{position:absolute;right:-22px;bottom:36px;z-index:2;background:#fff;
  border:1px solid var(--rule);padding:20px 28px;text-align:center;
  box-shadow:0 14px 40px rgba(20,18,15,.12)}
.plate .badge b{display:block;font-family:var(--serif);font-size:40px;font-weight:800;
  color:var(--gold);line-height:1;letter-spacing:-.03em}
.plate .badge span{display:block;font-family:var(--mono);font-size:9.5px;letter-spacing:.2em;
  color:var(--txt-2);margin-top:8px;font-weight:600;text-transform:uppercase}
@media(max-width:960px){
  .split{grid-template-columns:1fr;gap:44px}
  .plate{min-height:0;aspect-ratio:4/3}
  .plate .badge{right:16px}
}

/* ══ TRUST BAR ══ */
.trust{background:var(--cream);border-bottom:1px solid var(--rule)}
.trust .wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(224px,1fr));padding:0}
.trust .t{padding:34px 26px;display:flex;gap:16px;align-items:flex-start;
  border-right:1px solid var(--rule)}
.trust .t:last-child{border-right:none}
.trust .t .ic{width:44px;height:44px;flex:0 0 auto;border:1.5px solid var(--gold);
  border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold)}
.trust .t b{display:block;font-weight:700;font-size:17px;letter-spacing:-.015em}
.trust .t span{display:block;color:var(--txt-2);font-size:15px;margin-top:5px;line-height:1.6}
@media(max-width:900px){.trust .t{border-right:none;border-bottom:1px solid var(--rule)}}

/* ══ CARDS ══ */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px;margin-top:46px}
.card{background:#fff;border:1px solid var(--rule);padding:32px 28px;transition:all .28s}
.card:hover{border-color:var(--gold);transform:translateY(-4px);box-shadow:0 18px 40px rgba(20,18,15,.07)}
.card .ic{width:50px;height:50px;border:1.5px solid var(--gold);border-radius:50%;
  display:flex;align-items:center;justify-content:center;color:var(--gold);margin-bottom:20px}
.card .no{font-family:var(--mono);font-size:11px;letter-spacing:.2em;color:var(--gold);font-weight:600}
.card h3{font-size:20px;font-weight:700;letter-spacing:-.02em;margin-bottom:9px}
.card p{color:var(--txt-2);font-size:15.5px;line-height:1.68}
.card.dark{background:var(--ink);border-color:var(--ink)}
.card.dark h3{color:#fff}
.card.dark p{color:#B5AD9C}
.card.dark .ic{border-color:var(--gold-br);color:var(--gold-br)}

/* ══ DARK BAND ══ */
.dark-band{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.dark-band:before{content:"";position:absolute;inset:0;
  background:radial-gradient(760px 400px at 82% 30%,rgba(201,162,39,.2),transparent 62%)}
.dark-band .wrap{position:relative;padding:96px 28px}
.dark-band .eyebrow{color:var(--gold-br)}
.dark-band .eyebrow:before,.dark-band .eyebrow:after{background:var(--gold-br)}
.dark-band h2.disp{color:#fff}
.dark-band h2.disp em{color:var(--gold-br)}
.dark-band .lede{color:#BDB4A3}
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(238px,1fr));gap:1px;
  margin-top:52px;background:rgba(255,255,255,.11)}
.fg{background:var(--ink);padding:34px 27px}
.fg .ic{width:46px;height:46px;border:1.5px solid var(--gold-br);border-radius:50%;
  display:flex;align-items:center;justify-content:center;color:var(--gold-br);margin-bottom:21px}
.fg b{display:block;font-size:18.5px;font-weight:700;color:#fff;letter-spacing:-.015em}
.fg span{display:block;color:#B5AD9C;font-size:15.5px;margin-top:10px;line-height:1.7}
@media(max-width:820px){.dark-band .wrap{padding:54px 28px}}

/* ══ NUMBERED LIST ══ */
.ptlist{margin-top:30px;display:flex;flex-direction:column;gap:22px}
.pt{display:flex;gap:16px}
.pt .n{width:36px;height:36px;flex:0 0 auto;border:1.5px solid var(--gold);border-radius:50%;
  display:flex;align-items:center;justify-content:center;font-family:var(--mono);
  font-size:12px;font-weight:600;color:var(--gold)}
.pt b{display:block;font-weight:700;font-size:18px;letter-spacing:-.015em}
.pt span{display:block;color:var(--txt-2);font-size:15.5px;margin-top:6px;line-height:1.7}

/* ══ CHECK LIST ══ */
.checks{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1px;
  margin-top:40px;border:1px solid var(--rule);background:var(--rule)}
.ck{background:#fff;padding:26px 28px;display:flex;gap:15px;align-items:flex-start}
.ck .tick{width:28px;height:28px;flex:0 0 auto;border-radius:50%;background:var(--gold-pale);
  color:var(--gold);display:flex;align-items:center;justify-content:center}
.ck b{display:block;font-weight:700;font-size:16.5px}
.ck span{display:block;color:var(--txt-2);font-size:15px;margin-top:4px;line-height:1.6}

/* ══ STATS ══ */
.stats-sec{padding:74px 0}
@media(max-width:820px){.stats-sec{padding:38px 0}}
.stats{display:grid;grid-template-columns:repeat(5,1fr);border:1px solid var(--rule);
  background:#fff;overflow:hidden}
.st{padding:34px 20px 30px;text-align:center;position:relative;
  border-right:1px solid var(--rule);transition:background .3s}
.st:last-child{border-right:none}
.st:before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:var(--gold);
  transform:scaleX(0);transition:transform .35s}
.st:hover{background:var(--cream)}
.st:hover:before{transform:scaleX(1)}
.st .ic{width:34px;height:34px;margin:0 auto 12px;border:1px solid var(--gold-lt);border-radius:50%;
  display:flex;align-items:center;justify-content:center;color:var(--gold)}
.st b{display:block;font-family:var(--serif);font-size:34px;font-weight:700;color:var(--gold);
  line-height:1;letter-spacing:-.03em}
.st span{display:block;font-family:var(--mono);font-size:10px;letter-spacing:.14em;
  color:var(--txt-2);margin-top:9px;font-weight:600;text-transform:uppercase;line-height:1.5}
@media(max-width:900px){
  .stats{grid-template-columns:repeat(3,1fr)}
  .st{border-bottom:1px solid var(--rule);padding:24px 10px 22px}
  .st:nth-child(3n){border-right:none}
  .st:nth-last-child(-n+2){border-bottom:none}
  .st .ic{width:30px;height:30px;margin-bottom:9px}
  .st b{font-size:28px} .st span{font-size:9px;letter-spacing:.1em}
}
@media(max-width:560px){
  .stats{grid-template-columns:repeat(2,1fr)}
  .st{padding:20px 8px 18px}
  .st:nth-child(3n){border-right:1px solid var(--rule)}
  .st:nth-child(2n){border-right:none}
  .st:nth-last-child(-n+2){border-bottom:1px solid var(--rule)}
  .st:last-child{grid-column:span 2;border-bottom:none;border-right:none}
  .st b{font-size:26px} .st .ic{display:none} .st span{font-size:8.5px}
}

/* ══ FORMS ══ */
.formwrap{background:#fff;border:1px solid var(--rule);padding:38px}
.frow{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px;margin-bottom:20px}
.frow.one{grid-template-columns:1fr}
.fld label{display:block;font-family:var(--mono);font-size:11px;letter-spacing:.13em;
  color:var(--txt-2);font-weight:600;margin-bottom:8px;text-transform:uppercase}
.fld label .req{color:var(--err)}
.fld input,.fld select,.fld textarea{width:100%;padding:13px 14px;border:1px solid var(--rule);
  border-radius:3px;background:#fff;font-size:16px;font-family:var(--sans);color:var(--txt);
  transition:border-color .2s,box-shadow .2s;outline:none}
.fld input:focus,.fld select:focus,.fld textarea:focus{
  border-color:var(--gold);box-shadow:0 0 0 3px rgba(168,121,28,.12)}
.fld input[readonly]{background:var(--cream);color:var(--txt-2)}
.fld textarea{min-height:110px;resize:vertical}
.fld .hint{font-size:13px;color:var(--txt-3);margin-top:7px;line-height:1.5}
.fld .hint.busy{color:var(--gold)}
.fld .hint.good{color:var(--ok)}
.fld .hint.bad{color:var(--err)}
.fld.error input,.fld.error select{border-color:var(--err);background:var(--err-bg)}
.fld .err{display:none;font-size:13px;color:var(--err);margin-top:6px;font-weight:500}
.fld.error .err{display:block}
.formnote{font-size:14px;color:var(--txt-3);line-height:1.65;margin-top:18px}
.formmsg{display:none;padding:16px 18px;border-radius:3px;margin-bottom:22px;font-size:15px}
.formmsg.show{display:block}
.formmsg.ok{background:var(--ok-bg);border:1px solid rgba(44,106,95,.35);color:var(--ok)}
.formmsg.bad{background:var(--err-bg);border:1px solid rgba(166,56,43,.35);color:var(--err)}
@media(max-width:600px){.formwrap{padding:24px 20px}}

/* ══ TABLE ══ */
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--rule);margin-top:26px}
.tbl th{font-family:var(--mono);font-size:11px;letter-spacing:.13em;text-transform:uppercase;
  text-align:left;padding:14px 16px;background:var(--cream);border-bottom:1px solid var(--rule);
  color:var(--txt-2);font-weight:600}
.tbl td{padding:14px 16px;border-bottom:1px solid var(--rule-2);font-size:15.5px;vertical-align:top}
.tbl tr:last-child td{border-bottom:none}
.tbl .num{text-align:right;font-family:var(--mono);font-variant-numeric:tabular-nums;white-space:nowrap}
.tbl th.num{text-align:right}
.tblscroll{overflow-x:auto}

/* ══ CALCULATOR ══ */
.calcgrid{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
@media(max-width:900px){.calcgrid{grid-template-columns:1fr}}
.calcout{background:var(--ink);color:#fff;padding:34px;position:relative}
.calcout h3{font-family:var(--mono);font-size:11.5px;letter-spacing:.2em;color:var(--gold-br);
  text-transform:uppercase;font-weight:600;margin-bottom:22px}
.crow{display:flex;justify-content:space-between;align-items:baseline;padding:13px 0;
  border-bottom:1px solid rgba(255,255,255,.1);font-size:15.5px;color:#CCC3B1;gap:14px}
.crow b{font-family:var(--mono);font-variant-numeric:tabular-nums;color:#fff;font-weight:600;
  white-space:nowrap}
.crow.total{border-bottom:none;border-top:2px solid var(--gold-br);margin-top:10px;padding-top:18px}
.crow.total span{font-size:17px;font-weight:600;color:#fff}
.crow.total b{font-size:27px;color:var(--gold-br);letter-spacing:-.02em}
.calcnote{font-family:var(--mono);font-size:11px;color:#8E8676;line-height:1.8;margin-top:20px;
  padding-top:16px;border-top:1px solid rgba(255,255,255,.1)}

/* ══ PROSE (policy pages) ══ */
.prose{max-width:84ch}
.prose h2{font-size:25px;font-weight:700;letter-spacing:-.02em;margin:38px 0 14px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:18.5px;font-weight:700;margin:26px 0 10px}
.prose p{color:var(--txt-2);font-size:16px;line-height:1.85;margin-bottom:15px}
.prose ul{margin:0 0 18px 0}
.prose ul li{color:var(--txt-2);font-size:16px;line-height:1.8;padding-left:26px;
  position:relative;margin-bottom:9px}
.prose ul li:before{content:"";position:absolute;left:8px;top:13px;width:6px;height:6px;
  border-radius:50%;background:var(--gold)}
.prose .updated{font-family:var(--mono);font-size:12px;letter-spacing:.1em;color:var(--txt-3);
  text-transform:uppercase;padding-bottom:22px;margin-bottom:26px;border-bottom:1px solid var(--rule)}

/* ══ CHIPS ══ */
.chips{display:flex;flex-wrap:wrap;gap:11px;margin-top:30px}
.chip{border:1px solid var(--rule);padding:12px 22px;font-size:15px;font-weight:600;
  background:#fff;transition:all .2s}
.chip:hover{border-color:var(--gold);color:var(--gold)}
.chip.more{background:var(--gold);color:#fff;border-color:var(--gold);
  font-family:var(--mono);font-size:12px;letter-spacing:.14em;text-transform:uppercase}

/* ══ QUOTES ══ */
.quotes{display:grid;grid-template-columns:repeat(auto-fit,minmax(288px,1fr));gap:24px;margin-top:48px}
.q{background:#fff;border:1px solid var(--rule);padding:34px 30px}
.q .mark{font-family:var(--serif);font-size:64px;color:var(--gold-lt);line-height:.7;
  display:block;margin-bottom:8px;font-weight:700}
.q p{font-size:16.5px;line-height:1.7;font-weight:500;color:var(--ink-2)}
.q .by{display:flex;align-items:center;gap:13px;margin-top:24px;padding-top:20px;
  border-top:1px solid var(--rule)}
.q .by .av{width:44px;height:44px;border-radius:50%;background:var(--gold-pale);color:var(--gold);
  display:flex;align-items:center;justify-content:center;font-weight:700;font-size:15px}
.q .by b{display:block;font-weight:700;font-size:16px}
.q .by span{display:block;font-family:var(--mono);font-size:11px;color:var(--txt-3);
  margin-top:3px;letter-spacing:.1em;text-transform:uppercase}

/* ══ LOGIN ══ */
.loginwrap{max-width:470px;margin:0 auto}
.loginwrap .formwrap{padding:40px 38px}
.loginhead{text-align:center;margin-bottom:28px}
.loginhead .ic{width:58px;height:58px;margin:0 auto 18px;border:1.5px solid var(--gold);
  border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold)}
.loginhead h2{font-size:25px;font-weight:700;letter-spacing:-.02em}
.loginhead p{color:var(--txt-2);font-size:15px;margin-top:7px}
.loginalt{text-align:center;margin-top:22px;font-size:15px;color:var(--txt-2)}
.loginalt a{color:var(--gold);font-weight:600}
.frow.inline{display:flex;justify-content:space-between;align-items:center;gap:12px;
  margin-bottom:20px;font-size:14.5px}
.frow.inline label{display:flex;align-items:center;gap:8px;font-family:var(--sans);
  font-size:14.5px;letter-spacing:0;text-transform:none;color:var(--txt-2);
  font-weight:400;margin:0;cursor:pointer}
.frow.inline input[type=checkbox]{width:auto;padding:0;accent-color:var(--gold)}
.frow.inline a{color:var(--gold);font-weight:600}

/* ══ CTA ══ */
.cta{background:linear-gradient(120deg,var(--gold),#8A6612);color:#fff}
.cta .wrap{padding:60px 28px;display:flex;align-items:center;gap:36px;flex-wrap:wrap}
.cta h3{font-family:var(--serif);font-size:clamp(24px,3.2vw,34px);font-weight:700;
  line-height:1.25;letter-spacing:-.025em}
.cta p{margin-top:10px;font-size:16.5px;color:rgba(255,255,255,.95)}
.cta .btns{margin-left:auto;display:flex;gap:12px;flex-wrap:wrap}

/* ══ FOOTER ══ */
footer{background:var(--ink);color:#ADA493;padding-top:72px}
.fcols{display:grid;grid-template-columns:1.8fr 1fr 1fr 1.3fr;gap:44px}
@media(max-width:900px){.fcols{grid-template-columns:1fr 1fr;gap:36px}}
@media(max-width:560px){.fcols{grid-template-columns:1fr}}
.fcols h5{font-family:var(--mono);font-size:12px;letter-spacing:.18em;color:var(--gold-br);
  font-weight:600;margin-bottom:20px;text-transform:uppercase}
.fcols a{display:block;padding:7px 0;font-size:15.5px;color:#C2BAA8;transition:color .2s}
.fcols a:hover{color:var(--gold-br)}
.flogo{margin-bottom:22px}
.flogo img{height:64px;width:auto;display:block}
.fabout{font-size:15.5px;line-height:1.85;max-width:42ch;color:#B5AD9C}
.fcontact{margin-top:20px;font-size:15.5px;line-height:1.95;color:#B5AD9C}
.fcontact b{color:#D8D0C0;font-weight:600;font-size:11px;font-family:var(--mono);
  letter-spacing:.16em;text-transform:uppercase}
.socials{display:flex;gap:11px;margin-top:24px}
.socials a{width:40px;height:40px;border:1px solid rgba(255,255,255,.18);border-radius:50%;
  display:flex;align-items:center;justify-content:center;padding:0;transition:all .22s}
.socials a:hover{border-color:var(--gold-br);background:var(--gold-br);color:var(--ink)}
.fbot{margin-top:62px;border-top:1px solid rgba(255,255,255,.11);padding:26px 0;
  display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;
  font-family:var(--mono);font-size:12.5px;font-weight:500;letter-spacing:.04em}

/* ══ REVEAL ══ */
.rv{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}*{animation:none!important}}