:root {
    /* Palette — jewelry house */
    --wine:        #8B1820;  /* deep warm red, signature accent */
    --wine-deep:   #5C0F16;
    --wine-soft:   #A23843;
    --wine-glow:   #C84953;

    --gold:        #B8954C;  /* warm antique gold */
    --gold-bright: #D4B26A;
    --gold-soft:   #E4CB91;
    --gold-pale:   #F1E3C0;

    --cream:       #F5EDE0;  /* warm ivory, main background */
    --cream-light: #FBF6EC;
    --cream-dark:  #ECDFC9;
    --cream-warm:  #F0E4CD;

    --ink:         #2B1A14;
    --ink-soft:    #5A4A40;
    --ink-mute:    #8C7B6E;

    --line:        rgba(184, 149, 76, 0.25);
    --line-strong: rgba(184, 149, 76, 0.5);

    --shadow-jewel: 0 10px 40px rgba(92, 15, 22, 0.12), 0 2px 8px rgba(92, 15, 22, 0.06);
    --shadow-cta:   0 12px 28px rgba(139, 24, 32, 0.4), 0 0 0 1px rgba(212, 178, 106, 0.5) inset, 0 2px 0 rgba(0,0,0,0.15) inset;
  }
  * { box-sizing: border-box; margin: 0; padding: 0; }
  html { scroll-behavior: smooth; }
  body {
    font-family: 'Manrope', -apple-system, sans-serif;
    color: var(--ink);
    font-size: 16px;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    background: var(--cream);
    /* Master continuous gradient flowing through whole page */
    background-image:
      radial-gradient(ellipse 80% 50% at 50% 0%, var(--cream-light) 0%, transparent 60%),
      radial-gradient(ellipse 60% 30% at 90% 25%, rgba(184, 149, 76, 0.06) 0%, transparent 60%),
      radial-gradient(ellipse 70% 40% at 10% 50%, rgba(139, 24, 32, 0.03) 0%, transparent 60%),
      radial-gradient(ellipse 90% 60% at 50% 75%, var(--cream-warm) 0%, transparent 70%),
      linear-gradient(180deg, var(--cream-light) 0%, var(--cream) 30%, var(--cream-warm) 65%, var(--cream-dark) 100%);
    background-attachment: fixed;
  }
  h1, h2, h3, h4 {
    font-family: 'Cormorant Garamond', Georgia, serif;
    font-weight: 500;
    line-height: 1.08;
    letter-spacing: -0.005em;
    color: var(--wine-deep);
  }
  h1 { font-size: clamp(48px, 6.5vw, 92px); }
  h2 { font-size: clamp(36px, 4.5vw, 62px); }
  h3 { font-size: clamp(22px, 2vw, 28px); }
  em { font-style: italic; color: var(--wine); font-weight: 500; }
  a { color: inherit; text-decoration: none; }
  button { font-family: inherit; cursor: pointer; border: none; background: none; }
  .container { max-width: 1280px; margin: 0 auto; padding: 0 40px; }

  /* ===== Ornamental utilities ===== */
  .orn-diamond {
    display: inline-block;
    width: 6px; height: 6px;
    background: var(--gold);
    transform: rotate(45deg);
    margin: 0 12px;
    vertical-align: middle;
  }
  .orn-line {
    display: inline-block;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--gold), transparent);
    vertical-align: middle;
  }
  .gold-text {
    background: linear-gradient(180deg, var(--gold-bright) 0%, var(--gold) 50%, #9C7D3F 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
  }

  /* ===== Top thin bar ===== */
  .topbar {
    background: transparent;
    border-bottom: 1px solid var(--line);
    color: var(--ink-soft);
    font-size: 12px;
    padding: 12px 0;
    letter-spacing: 0.04em;
  }
  .topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; }
  .topbar .left, .topbar .right { display: flex; gap: 28px; align-items: center; }
  .topbar a:hover { color: var(--wine); }
  .topbar .sep { width: 4px; height: 4px; background: var(--gold); transform: rotate(45deg); }

  /* ===== Header ===== */
  .header {
    position: sticky;
    top: 0;
    z-index: 50;
    background: rgba(245, 237, 224, 0.88);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border-bottom: 1px solid var(--line);
  }
  .header .container { display: flex; align-items: center; justify-content: space-between; padding-top: 22px; padding-bottom: 22px; gap: 32px; }
  .logo { display: flex; align-items: center; gap: 16px; }
  .logo-mark { width: 50px; height: 50px; flex-shrink: 0; }
  .logo-text { display: flex; flex-direction: column; line-height: 1; }
  .logo-text .brand {
    font-family: 'Cormorant Garamond', serif;
    font-size: 32px;
    font-weight: 600;
    color: var(--wine-deep);
    letter-spacing: 0.04em;
  }
  .logo-text .sub {
    font-size: 9px;
    letter-spacing: 0.32em;
    text-transform: uppercase;
    color: var(--gold);
    margin-top: 6px;
    font-weight: 600;
  }
  nav.main { display: flex; gap: 36px; }
  nav.main a {
    font-size: 13px;
    font-weight: 500;
    color: var(--ink-soft);
    transition: color 0.25s;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    position: relative;
  }
  nav.main a::after {
    content: '';
    position: absolute;
    bottom: -6px; left: 50%;
    width: 0; height: 1px;
    background: var(--gold);
    transition: all 0.3s;
    transform: translateX(-50%);
  }
  nav.main a:hover { color: var(--wine); }
  nav.main a:hover::after { width: 100%; }
  .header-cta { display: flex; align-items: center; gap: 20px; }
  /* Login link in header */
  .login-link {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--ink-soft);
    padding: 11px 18px;
    border: 1px solid var(--line);
    border-radius: 2px;
    transition: color 0.25s, border-color 0.25s, background 0.25s;
    position: relative;
  }
  .login-link::before {
    content: '';
    position: absolute;
    top: 3px; left: 3px;
    width: 8px; height: 8px;
    border-top: 1px solid var(--gold);
    border-left: 1px solid var(--gold);
    opacity: 0;
    transition: opacity 0.25s;
  }
  .login-link::after {
    content: '';
    position: absolute;
    bottom: 3px; right: 3px;
    width: 8px; height: 8px;
    border-bottom: 1px solid var(--gold);
    border-right: 1px solid var(--gold);
    opacity: 0;
    transition: opacity 0.25s;
  }
  .login-link:hover {
    color: var(--wine);
    border-color: var(--gold);
    background: rgba(251, 246, 236, 0.6);
  }
  .login-link:hover::before, .login-link:hover::after { opacity: 1; }
  .login-link .ico { color: var(--gold); }
  .phone {
    font-family: 'Cormorant Garamond', serif;
    font-size: 22px;
    font-weight: 600;
    color: var(--wine-deep);
    letter-spacing: 0.02em;
  }

  /* ===== Buttons ===== */
  .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    padding: 14px 28px;
    border-radius: 2px;
    font-weight: 600;
    font-size: 13px;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    transition: transform 0.2s ease, box-shadow 0.25s ease;
    white-space: nowrap;
  }
  .btn-primary {
    background:
      linear-gradient(180deg, rgba(255,255,255,0.18) 0%, transparent 50%),
      linear-gradient(180deg, var(--wine-soft) 0%, var(--wine) 50%, var(--wine-deep) 100%);
    color: var(--cream-light);
    box-shadow: var(--shadow-cta);
    position: relative;
    overflow: hidden;
    border: 1px solid var(--wine-deep);
  }
  .btn-primary::before {
    content: '';
    position: absolute;
    inset: 1px;
    border: 1px solid rgba(212, 178, 106, 0.35);
    border-radius: 1px;
    pointer-events: none;
  }
  .btn-primary::after {
    content: '';
    position: absolute;
    top: 0; left: -100%;
    width: 60%; height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.22), transparent);
    transition: left 0.7s ease;
  }
  .btn-primary:hover { transform: translateY(-2px); box-shadow: 0 18px 40px rgba(139, 24, 32, 0.5), 0 0 0 1px rgba(212, 178, 106, 0.7) inset, 0 2px 0 rgba(0,0,0,0.15) inset; }
  .btn-primary:hover::after { left: 130%; }
  .btn-primary:active { transform: translateY(0); }

  .btn-mega {
    padding: 22px 44px;
    font-size: 14px;
    letter-spacing: 0.2em;
  }
  .btn-large { padding: 18px 36px; font-size: 14px; }

  .btn-ghost {
    color: var(--wine);
    border: 1px solid var(--gold);
    padding: 13px 26px;
    background: transparent;
  }
  .btn-ghost:hover { background: var(--wine); color: var(--cream); border-color: var(--wine); }

  /* ===== HERO ===== */
  .hero { padding: 80px 0 100px; position: relative; }
  .hero-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 72px; align-items: center; position: relative; z-index: 1; }

  .hero-eyebrow {
    display: inline-flex; align-items: center; gap: 14px;
    margin-bottom: 36px;
  }
  .hero-eyebrow .line { width: 36px; height: 1px; background: var(--gold); }
  .hero-eyebrow .text {
    font-size: 11px;
    letter-spacing: 0.32em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 600;
  }

  .hero h1 { margin-bottom: 32px; color: var(--wine-deep); }
  .hero h1 .ital { font-family: 'Cormorant Garamond', serif; font-style: italic; font-weight: 400; color: var(--wine); }
  .hero h1 .accent {
    position: relative;
    display: inline-block;
  }
  .hero h1 .accent::after {
    content: '';
    position: absolute;
    left: 0; right: 0; bottom: 0.05em;
    height: 0.08em;
    background: var(--gold);
    opacity: 0.7;
  }

  .hero-lede {
    font-size: 19px;
    color: var(--ink-soft);
    max-width: 540px;
    margin-bottom: 48px;
    line-height: 1.65;
  }

  /* Hero badges row */
  .hero-badges { display: flex; flex-wrap: wrap; gap: 16px; margin-bottom: 56px; }
  .hero-badge {
    display: flex; align-items: center; gap: 12px;
    padding: 14px 20px;
    background: rgba(251, 246, 236, 0.6);
    border: 1px solid var(--line);
    border-radius: 2px;
    font-size: 13px;
    color: var(--ink-soft);
  }
  .hero-badge .ico { color: var(--gold); flex-shrink: 0; }
  .hero-badge b { color: var(--wine-deep); }

  /* Stats with serif numbers */
  .hero-stats {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    padding-top: 40px;
    border-top: 1px solid var(--line);
    position: relative;
  }
  .hero-stats::before {
    content: '';
    position: absolute;
    top: -3px; left: 0;
    width: 60px; height: 5px;
    background: var(--gold);
  }
  .hero-stats .stat .n {
    font-family: 'Cormorant Garamond', serif;
    font-size: 44px;
    font-weight: 500;
    color: var(--wine);
    display: block;
    line-height: 1;
    letter-spacing: -0.01em;
  }
  .hero-stats .stat .l {
    font-size: 11px;
    color: var(--ink-mute);
    letter-spacing: 0.16em;
    text-transform: uppercase;
    margin-top: 10px;
    font-weight: 600;
  }

  /* ===== Calculator — jewelry box ===== */
  .calc-wrap {
    position: relative;
    padding: 18px;
  }
  /* Double frame around calc */
  .calc-wrap::before {
    content: '';
    position: absolute;
    inset: 0;
    border: 1px solid var(--gold);
    border-radius: 4px;
    pointer-events: none;
  }
  .calc-wrap::after {
    content: '';
    position: absolute;
    inset: 6px;
    border: 1px solid var(--line);
    border-radius: 2px;
    pointer-events: none;
  }
  /* Corner ornaments */
  .corner {
    position: absolute;
    width: 14px; height: 14px;
    border-color: var(--gold);
    pointer-events: none;
    z-index: 2;
  }
  .corner.tl { top: 12px; left: 12px; border-top: 1.5px solid; border-left: 1.5px solid; }
  .corner.tr { top: 12px; right: 12px; border-top: 1.5px solid; border-right: 1.5px solid; }
  .corner.bl { bottom: 12px; left: 12px; border-bottom: 1.5px solid; border-left: 1.5px solid; }
  .corner.br { bottom: 12px; right: 12px; border-bottom: 1.5px solid; border-right: 1.5px solid; }

  .calc-card {
    background:
      linear-gradient(180deg, rgba(255,255,255,0.5) 0%, transparent 100%),
      var(--cream-light);
    padding: 44px 40px 36px;
    box-shadow: var(--shadow-jewel);
    position: relative;
  }
  .calc-eyebrow { text-align: center; margin-bottom: 6px; }
  .calc-eyebrow .text {
    font-size: 10px;
    letter-spacing: 0.4em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 700;
  }
  .calc-card h3 {
    text-align: center;
    font-size: 32px;
    color: var(--wine-deep);
    margin-bottom: 8px;
  }
  .calc-sub {
    text-align: center;
    font-size: 13px;
    color: var(--ink-mute);
    margin-bottom: 32px;
    letter-spacing: 0.02em;
  }
  .calc-sub .divider {
    display: inline-block;
    width: 24px; height: 1px;
    background: var(--gold);
    vertical-align: middle;
    margin: 0 12px;
  }

  .calc-row { margin-bottom: 30px; }
  .calc-label-row {
    display: flex; justify-content: space-between; align-items: baseline;
    margin-bottom: 16px;
  }
  .calc-label-row .name {
    font-size: 11px;
    color: var(--ink-mute);
    text-transform: uppercase;
    letter-spacing: 0.18em;
    font-weight: 700;
  }
  .calc-amount-display {
    text-align: center;
    margin-bottom: 22px;
  }
  .calc-amount-display .val {
    font-family: 'Cormorant Garamond', serif;
    font-size: 64px;
    font-weight: 500;
    color: var(--wine-deep);
    line-height: 1;
    letter-spacing: -0.01em;
  }
  .calc-amount-display .unit {
    font-family: 'Cormorant Garamond', serif;
    font-size: 32px;
    color: var(--gold);
    font-weight: 500;
    margin-left: 4px;
  }

  input[type=range] {
    -webkit-appearance: none; appearance: none;
    width: 100%; height: 4px;
    background: var(--cream-dark);
    border-radius: 100px;
    outline: none;
  }
  input[type=range]::-webkit-slider-runnable-track { height: 4px; border-radius: 100px; background: transparent; }
  input[type=range]::-webkit-slider-thumb {
    -webkit-appearance: none; appearance: none;
    width: 26px; height: 26px;
    background: radial-gradient(circle at 35% 30%, var(--gold-bright), var(--gold) 60%, #8B6E2F);
    border-radius: 50%;
    border: 3px solid var(--cream-light);
    box-shadow: 0 0 0 1.5px var(--gold), 0 4px 10px rgba(139, 24, 32, 0.3);
    cursor: grab;
    margin-top: -11px;
    transition: transform 0.15s;
  }
  input[type=range]::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.15); }
  input[type=range]::-moz-range-thumb {
    width: 26px; height: 26px;
    background: radial-gradient(circle at 35% 30%, var(--gold-bright), var(--gold) 60%, #8B6E2F);
    border-radius: 50%;
    border: 3px solid var(--cream-light);
    box-shadow: 0 0 0 1.5px var(--gold), 0 4px 10px rgba(139, 24, 32, 0.3);
    cursor: grab;
  }
  .range-bounds {
    display: flex; justify-content: space-between;
    margin-top: 10px;
    font-size: 11px;
    color: var(--ink-mute);
    letter-spacing: 0.06em;
  }

  .calc-info {
    padding: 22px 0;
    margin: 28px 0 24px;
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
    align-items: center;
  }
  .calc-info .item {
    text-align: center;
    display: flex;
    justify-content: center;
  }

  .calc-info .lbl {
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: 0.2em;
    color: var(--ink-mute);
    margin-top: 8px;
    margin-right: 10px;
    font-weight: 700;
  }
  .calc-info .val {
    font-family: 'Cormorant Garamond', serif;
    font-size: 26px;
    font-weight: 500;
    color: var(--wine-deep);
    line-height: 1;
  }
  .calc-info .vert {
    width: 1px;
    height: 38px;
    background: var(--gold);
    opacity: 0.4;
    margin: 0 auto;
  }

  .calc-card .btn-mega { width: 100%; }
  .calc-foot {
    text-align: center;
    font-size: 11px;
    color: var(--ink-mute);
    margin-top: 16px;
    letter-spacing: 0.02em;
  }
  .calc-foot a { color: var(--wine); border-bottom: 1px dotted var(--wine); }

  /* ===== Section headers ===== */
  section.block { padding: 100px 0; position: relative; }
  .section-head { text-align: center; max-width: 760px; margin: 0 auto 72px; }
  .section-eyebrow {
    display: inline-flex; align-items: center; gap: 14px;
    margin-bottom: 20px;
  }
  .section-eyebrow .text {
    font-size: 10px;
    letter-spacing: 0.4em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 700;
  }
  .section-eyebrow .line { width: 28px; height: 1px; background: var(--gold); }
  .section-head h2 { margin-bottom: 18px; }
  .section-head p { font-size: 18px; color: var(--ink-soft); line-height: 1.65; }

  /* Ornamental divider above every section title — same family, varies treatment */
  .orn-divider {
    display: flex; align-items: center; justify-content: center; gap: 10px;
    margin-bottom: 20px;
  }
  .orn-divider .dot { width: 4px; height: 4px; background: var(--gold); transform: rotate(45deg); }
  .orn-divider .l { width: 40px; height: 1px; background: linear-gradient(90deg, transparent, var(--gold)); }
  .orn-divider .l.r { background: linear-gradient(90deg, var(--gold), transparent); }

  /* ===== How it works ===== */
  .how-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; position: relative; }
  .how-step {
    padding: 36px 32px;
    position: relative;
    text-align: center;
  }
  .how-step:not(:last-child)::after {
    content: '';
    position: absolute;
    top: 50%; right: 0;
    width: 1px; height: 60%;
    background: linear-gradient(180deg, transparent, var(--line) 50%, transparent);
    transform: translateY(-50%);
  }
  .how-num-wrap {
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    margin-bottom: 20px;
  }
  .how-num {
    font-family: 'Cormorant Garamond', serif;
    font-size: 18px;
    font-style: italic;
    color: var(--gold);
    letter-spacing: 0.16em;
    margin-bottom: 12px;
  }
  .how-num-circle {
    width: 64px; height: 64px;
    border: 1px solid var(--gold);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    position: relative;
  }
  .how-num-circle::before {
    content: '';
    position: absolute;
    inset: 4px;
    border: 1px solid var(--line);
    border-radius: 50%;
  }
  .how-num-circle svg { color: var(--wine); }
  .how-step h3 {
    font-size: 24px;
    color: var(--wine-deep);
    margin-bottom: 12px;
  }
  .how-step p { color: var(--ink-soft); font-size: 15px; line-height: 1.65; }

  /* ===== Why us — feature grid ===== */
  .why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
  .why-card {
    padding: 40px 36px;
    background: rgba(251, 246, 236, 0.5);
    border: 1px solid var(--line);
    border-radius: 2px;
    position: relative;
    transition: transform 0.3s, border-color 0.3s, box-shadow 0.3s;
  }
  .why-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 28px; height: 28px;
    border-top: 1px solid var(--gold);
    border-left: 1px solid var(--gold);
  }
  .why-card::after {
    content: '';
    position: absolute;
    bottom: 0; right: 0;
    width: 28px; height: 28px;
    border-bottom: 1px solid var(--gold);
    border-right: 1px solid var(--gold);
  }
  .why-card:hover { transform: translateY(-3px); border-color: var(--gold); box-shadow: var(--shadow-jewel); }
  .why-card .ico-wrap {
    width: 48px; height: 48px;
    color: var(--gold);
    margin-bottom: 24px;
    display: flex; align-items: center; justify-content: center;
    position: relative;
  }
  .why-card .ico-wrap::after {
    content: '';
    position: absolute;
    bottom: -10px; left: 0;
    width: 28px; height: 1px;
    background: var(--gold);
  }
  .why-card h3 { font-size: 24px; color: var(--wine-deep); margin-bottom: 12px; }
  .why-card p { color: var(--ink-soft); font-size: 15px; line-height: 1.65; }

  /* ===== Requirements ===== */
  .req-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
  .req-col h3 {
    font-size: 32px;
    color: var(--wine-deep);
    margin-bottom: 28px;
    padding-bottom: 20px;
    border-bottom: 1px solid var(--line);
    position: relative;
  }
  .req-col h3::after {
    content: '';
    position: absolute;
    bottom: -1px; left: 0;
    width: 48px; height: 2px;
    background: var(--gold);
  }
  .req-list { list-style: none; }
  .req-list li {
    padding: 16px 0 16px 48px;
    border-bottom: 1px dashed var(--line);
    position: relative;
    color: var(--ink);
    font-size: 16px;
    line-height: 1.55;
  }
  .req-list li:last-child { border-bottom: none; }
  .req-list li::before {
    content: '';
    position: absolute;
    left: 0; top: 22px;
    width: 24px; height: 1px;
    background: var(--gold);
  }
  .req-list li::after {
    content: '';
    position: absolute;
    left: 8px; top: 18px;
    width: 8px; height: 8px;
    background: var(--gold);
    transform: rotate(45deg);
  }

  /* ===== Reviews ===== */
  .reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
  .review {
    background: rgba(251, 246, 236, 0.55);
    border: 1px solid var(--line);
    padding: 36px 32px;
    position: relative;
    border-radius: 2px;
  }
  .review .quote-mark {
    position: absolute;
    top: -8px; right: 24px;
    font-family: 'Cormorant Garamond', serif;
    font-size: 90px;
    line-height: 1;
    color: var(--gold);
    opacity: 0.4;
  }
  .review .stars {
    color: var(--gold);
    margin-bottom: 18px;
    letter-spacing: 6px;
    font-size: 14px;
  }
  .review .text {
    color: var(--ink);
    font-size: 16px;
    line-height: 1.7;
    margin-bottom: 28px;
    min-height: 130px;
    font-family: 'Cormorant Garamond', serif;
    font-weight: 400;
    font-style: italic;
  }
  .review .author {
    display: flex; align-items: center; gap: 14px;
    padding-top: 20px;
    border-top: 1px solid var(--line);
    position: relative;
  }
  .review .author::before {
    content: '';
    position: absolute;
    top: -1px; left: 0;
    width: 30px; height: 1px;
    background: var(--gold);
  }
  .review .avatar {
    width: 46px; height: 46px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--wine), var(--wine-deep));
    color: var(--gold-soft);
    display: flex; align-items: center; justify-content: center;
    font-family: 'Cormorant Garamond', serif;
    font-weight: 500;
    font-size: 18px;
    border: 1px solid var(--gold);
  }
  .review .author .name { font-weight: 600; color: var(--ink); font-size: 14px; }
  .review .author .meta { font-size: 12px; color: var(--ink-mute); letter-spacing: 0.02em; }

  /* ===== FAQ ===== */
  .faq-wrap { max-width: 900px; margin: 0 auto; }
  .faq-item {
    border-bottom: 1px solid var(--line);
    padding: 4px 0;
  }
  .faq-item:first-child { border-top: 1px solid var(--line); }
  .faq-item summary {
    padding: 28px 0;
    cursor: pointer;
    list-style: none;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    font-family: 'Cormorant Garamond', serif;
    font-size: 26px;
    font-weight: 500;
    color: var(--wine-deep);
    transition: color 0.2s;
  }
  .faq-item summary::-webkit-details-marker { display: none; }
  .faq-item summary:hover { color: var(--wine); }
  .faq-toggle {
    width: 40px; height: 40px;
    border: 1px solid var(--gold);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    flex-shrink: 0;
    transition: transform 0.3s, background 0.25s;
    color: var(--gold);
    position: relative;
  }
  .faq-toggle::before {
    content: '';
    position: absolute;
    inset: 3px;
    border: 1px solid var(--line);
    border-radius: 50%;
  }
  .faq-item[open] .faq-toggle {
    transform: rotate(45deg);
    background: var(--wine);
    border-color: var(--wine);
    color: var(--gold-soft);
  }
  .faq-body {
    padding: 0 0 32px;
    color: var(--ink-soft);
    font-size: 16px;
    line-height: 1.75;
    max-width: 760px;
  }

  /* ===== CTA banner — the single deep-wine moment ===== */
  .cta-band {
    margin: 40px 0;
    padding: 100px 0;
    position: relative;
    background:
      radial-gradient(ellipse 60% 60% at 50% 50%, rgba(184, 149, 76, 0.18) 0%, transparent 70%),
      linear-gradient(135deg, var(--wine) 0%, var(--wine-deep) 100%);
    color: var(--cream);
    text-align: center;
    overflow: hidden;
  }
  /* Gold double-frame */
  .cta-band::before {
    content: '';
    position: absolute;
    inset: 24px;
    border: 1px solid rgba(212, 178, 106, 0.4);
    pointer-events: none;
  }
  .cta-band::after {
    content: '';
    position: absolute;
    inset: 32px;
    border: 1px solid rgba(212, 178, 106, 0.15);
    pointer-events: none;
  }
  .cta-band .container { position: relative; z-index: 1; }
  .cta-band .section-eyebrow .text { color: var(--gold-soft); }
  .cta-band .section-eyebrow .line { background: var(--gold-soft); }
  .cta-band h2 { color: var(--cream-light); margin-bottom: 24px; font-size: clamp(40px, 5vw, 68px); }
  .cta-band h2 em { color: var(--gold-soft); }
  .cta-band p {
    color: rgba(245, 237, 224, 0.78);
    max-width: 580px; margin: 0 auto 44px;
    font-size: 18px;
    line-height: 1.6;
  }
  .cta-band .btn-primary {
    background: linear-gradient(180deg, var(--gold-bright) 0%, var(--gold) 50%, #8B6E2F 100%);
    color: var(--wine-deep);
    border-color: var(--gold-bright);
    box-shadow: 0 12px 28px rgba(0,0,0,0.35), 0 0 0 1px rgba(245,237,224,0.4) inset;
  }
  .cta-band .btn-primary::before { border-color: rgba(255,255,255,0.4); }
  .cta-band .btn-primary:hover { box-shadow: 0 18px 40px rgba(0,0,0,0.4), 0 0 0 1px rgba(245,237,224,0.7) inset; }

  /* CTA ornamental flourish */
  .cta-flourish {
    display: flex; justify-content: center; align-items: center; gap: 12px;
    margin-bottom: 28px;
  }
  .cta-flourish .l { width: 60px; height: 1px; background: var(--gold-soft); opacity: 0.6; }
  .cta-flourish .d { width: 8px; height: 8px; background: var(--gold-soft); transform: rotate(45deg); }
  .cta-flourish .d.small { width: 4px; height: 4px; }

  /* ===== Footer ===== */
  footer {
    background:
      radial-gradient(ellipse 100% 50% at 50% 0%, rgba(184, 149, 76, 0.08) 0%, transparent 60%),
      linear-gradient(180deg, #1A0508 0%, #100204 100%);
    color: rgba(245, 237, 224, 0.65);
    padding: 80px 0 28px;
    font-size: 14px;
    border-top: 1px solid var(--gold);
  }
  .footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 56px; margin-bottom: 56px; }
  .footer-grid h4 {
    font-family: 'Manrope', sans-serif;
    font-size: 11px;
    letter-spacing: 0.24em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 700;
    margin-bottom: 24px;
    padding-bottom: 16px;
    border-bottom: 1px solid rgba(184, 149, 76, 0.2);
    position: relative;
  }
  .footer-grid h4::after {
    content: '';
    position: absolute;
    bottom: -1px; left: 0;
    width: 24px; height: 1px;
    background: var(--gold);
  }
  .footer-grid ul { list-style: none; }
  .footer-grid li { margin-bottom: 14px; }
  .footer-grid a:hover { color: var(--gold-soft); }
  .footer-brand .logo-text .brand { color: var(--cream-light); }
  .footer-brand p {
    margin-top: 20px;
    line-height: 1.75;
    font-size: 14px;
    color: rgba(245, 237, 224, 0.55);
  }
  .footer-legal {
    padding-top: 28px;
    border-top: 1px solid rgba(184, 149, 76, 0.2);
    font-size: 11px;
    line-height: 1.8;
    color: rgba(245, 237, 224, 0.4);
  }
  .footer-legal .row { display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; margin-bottom: 16px; }
  .footer-legal .row span { letter-spacing: 0.04em; }

  /* ===== Background jewels (interactive) ===== */
  .bg-jewels {
    position: fixed;
    inset: 0;
    pointer-events: none;
    z-index: 0;
    overflow: hidden;
    transition: transform 0.8s cubic-bezier(0.16, 1, 0.3, 1);
    will-change: transform;
  }
  /* Make every layout container sit above the jewels layer */
  body > .topbar, body > .header, body > section, body > footer { position: relative; z-index: 2; }
  .bg-jewels .jewel {
    position: absolute;
    transform-origin: center;
    will-change: transform, opacity;
    animation: float 14s ease-in-out infinite, twinkle 5s ease-in-out infinite;
  }
  .bg-jewels .jewel svg { display: block; }
  /* Mouse-hover responsiveness: a soft glow expands when nearby */
  .bg-jewels .jewel.glow svg { filter: drop-shadow(0 0 6px rgba(212, 178, 106, 0.5)); }

  @keyframes float {
    0%, 100% { transform: translate(0, 0) rotate(var(--rot, 0deg)); }
    25%      { transform: translate(6px, -10px) rotate(calc(var(--rot, 0deg) + 4deg)); }
    50%      { transform: translate(-4px, -18px) rotate(calc(var(--rot, 0deg) - 3deg)); }
    75%      { transform: translate(-8px, -6px) rotate(calc(var(--rot, 0deg) + 2deg)); }
  }
  @keyframes twinkle {
    0%, 100% { opacity: var(--op-lo, 0.18); }
    50%      { opacity: var(--op-hi, 0.55); }
  }

  /* Sparkle bursts — created by JS on click/scroll moments */
  .spark {
    position: fixed;
    width: 16px; height: 16px;
    pointer-events: none;
    z-index: 99;
    animation: sparkFade 1.2s ease-out forwards;
  }
  @keyframes sparkFade {
    0%   { transform: scale(0.2) rotate(0deg); opacity: 0; }
    20%  { transform: scale(1.2) rotate(45deg); opacity: 1; }
    100% { transform: scale(0.4) rotate(180deg); opacity: 0; }
  }

  @media (prefers-reduced-motion: reduce) {
    .bg-jewels .jewel, .spark { animation: none !important; }
    .bg-jewels { transition: none; }
  }

  /* ===== Mobile ===== */
  @media (max-width: 1024px) {
    .hero-grid { grid-template-columns: 1fr; gap: 56px; }
    .calc-wrap { max-width: 540px; margin: 0 auto; }
    .how-grid { grid-template-columns: 1fr 1fr; }
    .how-step:not(:last-child)::after { display: none; }
    .why-grid { grid-template-columns: 1fr 1fr; }
    .reviews-grid { grid-template-columns: 1fr; }
    .req-grid { grid-template-columns: 1fr; gap: 40px; }
  }
  @media (max-width: 768px) {
    .topbar .left { display: none; }
    nav.main { display: none; }
    .phone { display: none; }
    .login-link { font-size: 0; gap: 0; padding: 11px 13px; }
    .login-link .ico { font-size: 15px; }
    .hero { padding: 50px 0 70px; }
    .hero-stats { grid-template-columns: 1fr 1fr; gap: 32px; }
    .how-grid, .why-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
    section.block { padding: 70px 0; }
    .container { padding: 0 24px; }
    .calc-card { padding: 32px 24px 28px; }
    .calc-amount-display .val { font-size: 48px; }
    .calc-amount-display .unit { font-size: 24px; }
    .calc-info .val { font-size: 20px; }
    .cta-band { padding: 70px 0; margin: 20px 0; }
    .cta-band::before { inset: 14px; }
    .cta-band::after { inset: 20px; }
  }
  @media (max-width: 480px) {
    .footer-grid { grid-template-columns: 1fr; }
    .hero-stats { grid-template-columns: 1fr 1fr; }
    .hero-stats .stat .n { font-size: 36px; }
  }

:root {
  --site-gold: var(--gold);
  --site-gold-bright: var(--gold-bright);
  --site-cream-dark: var(--cream-dark);
}

body.home > .wrapper > header.header,
body.home > .wrapper > header.mobheader,
body.home > .wrapper > footer {
  display: none !important;
}

body.home .main {
  margin-top: 0 !important;
}

.site-template .header {
  display: block !important;
}

.site-template > .topbar,
.site-template > .header,
.site-template > section,
.site-template > footer {
  position: relative;
  z-index: 2;
}

.site-template .calc-card {
  display: block;
}

.site-template .calc-field {
  margin-top: 18px;
}

.site-template .calc-field label,
.site-template .calc-check label {
  display: block;
  color: var(--ink-mute);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.18em;
  margin-bottom: 8px;
  text-transform: uppercase;
}

.site-template .calc-input {
  width: 100%;
  border: 1px solid var(--line);
  border-radius: 2px;
  background: rgba(251, 246, 236, 0.8);
  color: var(--wine-deep);
  font: 600 17px/1.2 'Manrope', -apple-system, sans-serif;
  padding: 15px 16px;
  outline: none;
  transition: border-color 0.25s, box-shadow 0.25s;
}

.site-template .calc-input:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(184, 149, 76, 0.14);
}

.site-template .form-phone.-error .calc-input,
.site-template .js-loan-agreement-block.-error {
  border-color: var(--wine-glow);
}

.site-template .calc-error {
  color: var(--wine-glow);
  font-size: 12px;
  margin-top: 7px;
}

.site-template .calc-check {
  border: 1px solid var(--line);
  margin-top: 18px;
  padding: 12px 14px;
}

.site-template .calc-check label {
  align-items: flex-start;
  cursor: pointer;
  display: flex;
  gap: 10px;
  letter-spacing: 0;
  margin: 0;
  text-transform: none;
}

.site-template .calc-check input {
  margin-top: 4px;
}

.site-template .calc-check span,
.site-template #agreement_list .check_box span {
  color: var(--ink-soft);
  font-size: 12px;
  line-height: 1.45;
}

.site-template .calc-check a,
.site-template #agreement_list a,
.site-template #agreement_list .text-success,
.site-template .calc-foot a {
  color: var(--wine);
  border-bottom: 1px solid rgba(184, 149, 76, 0.55);
}

.site-template #agreement_list {
  display: none;
  border: 1px solid var(--line);
  margin: 12px 0 18px;
  padding: 12px 14px !important;
}

.site-template .calc-hidden-range {
  display: none;
}

.site-template .calc-auth-actions {
  display: grid;
  gap: 10px;
  grid-template-columns: 1fr 1fr;
  margin-top: 12px;
}

.site-template .calc-auth-actions a {
  border: 1px solid var(--line);
  color: var(--ink-soft);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  padding: 11px 12px;
  text-align: center;
  text-transform: uppercase;
}

@media (max-width: 991px) {
  body.home .site-template .header {
    display: block !important;
  }
}

@media (max-width: 640px) {
  .site-template .calc-auth-actions {
    grid-template-columns: 1fr;
  }
}