/* Vitaly Farber, mortgage advisor. Design v3: follows the DF ref (pin 1091982240928488338) literally.
   Navy top to bottom, steel blue instead of gold, big VF monogram as a design element, library backdrop,
   marquee strip, numbers around the monogram, coverflow reviews, faded wordmark, steel "about" band. Plan: DESIGN_PLAN.md */
:root{
  --bg:#0F1C2C; --bg-h:#152234; --bg-d:#0B1522; --surf:#16263A; --surf2:#1C2E45;
  --steel:#6F86A6; --steel-l:#A3B5CE; --steel-d:#4B6182; --btn:#56709A; --btn-h:#6A84AD;
  --tx:#fff; --tx2:#BCC7D5; --tx3:#93A2B7; --line:rgba(255,255,255,.12); --line2:rgba(255,255,255,.2);
  --r:14px; --r-s:10px; --wrap:1180px; --hdr-h:76px;
  --disp:Rubik,Heebo,system-ui,sans-serif;
  --mono-grad:linear-gradient(160deg,#C3D0E2 0%,#8297B6 45%,#4D6386 100%);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:Heebo,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--tx2);background:var(--bg);font-size:17px;line-height:1.7}
img{max-width:100%;display:block}
a{color:var(--steel-l);text-underline-offset:3px}
a:hover{color:#fff}
h1,h2,h3{font-family:var(--disp);line-height:1.15;margin:0 0 .5em;font-weight:500;letter-spacing:-.01em;color:#fff}
h1{font-size:clamp(2.1rem,4.6vw,3.4rem)}
h2{font-size:clamp(1.7rem,3.3vw,2.6rem)}
h3{font-size:1.22rem}
h2 em,h1 em{font-style:normal;color:var(--steel-l)}
b,strong{color:#fff}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;right:-999px;top:8px;background:#fff;color:var(--bg);padding:10px 14px;border-radius:8px;z-index:99}
.skip:focus{right:8px}
:focus-visible{outline:3px solid var(--steel-l);outline-offset:3px}
.dk{color:var(--tx2)}
.vh{position:absolute!important;width:1px;height:1px;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* VF monogram: gradient letters, the signature element */
.mono{font-family:var(--disp);font-weight:600;direction:ltr;letter-spacing:-.06em;line-height:.8;background:var(--mono-grad);-webkit-background-clip:text;background-clip:text;color:transparent;display:inline-block}

/* header: flat navy bar like the ref */
.hdr{position:sticky;top:0;z-index:40;background:rgba(21,34,52,.96);border-bottom:1px solid var(--line);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}
.hdr-pill{max-width:var(--wrap);margin:0 auto;height:var(--hdr-h);display:flex;align-items:center;gap:18px;padding:0 24px;position:relative}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff;min-height:44px}
.brand:hover{color:#fff}
.brand-mark{font-size:2.3rem;padding-bottom:2px}
.brand b{display:block;font-family:var(--disp);font-weight:500;font-size:1.05rem;line-height:1.15;color:#fff}
.brand small{display:block;color:var(--tx3);font-size:.8rem;line-height:1.2;letter-spacing:.02em}
.nav{display:flex;gap:2px;margin-inline-start:auto}
.nav a{color:var(--tx2);text-decoration:none;padding:0 12px;min-height:44px;min-width:44px;justify-content:center;display:inline-flex;align-items:center;font-weight:500;font-size:.95rem;border-bottom:2px solid transparent}
.nav a:hover{color:#fff}
.nav a[aria-current=page]{color:#fff;border-bottom-color:var(--steel)}
.menu-btn{display:none;margin-inline-start:auto;background:transparent;border:1px solid var(--line2);border-radius:var(--r-s);width:46px;height:46px;font-size:1.2rem;color:#fff;cursor:pointer}
@media (max-width:1100px){
  .nav{display:none;position:absolute;top:100%;right:0;left:0;flex-direction:column;gap:0;background:var(--bg-h);border-bottom:1px solid var(--line);padding:8px 16px 14px;box-shadow:0 20px 40px rgba(0,0,0,.35)}
  .nav.open{display:flex}
  .nav a{min-height:50px;padding:0 8px;font-size:1.05rem;border-bottom:1px solid var(--line)}
  .menu-btn{display:block}
}
@media (max-width:900px){:root{--hdr-h:66px}.hdr .btn-wa{display:none}.brand-mark{font-size:2rem}}

/* buttons: rectangular steel like "GARANTIR VAGA", pill only for the reviews CTA */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:54px;padding:8px 28px;border-radius:6px;font-weight:700;font-size:1.02rem;text-decoration:none;border:1.5px solid transparent;cursor:pointer;font-family:inherit;line-height:1.2;letter-spacing:.01em;transition:background .15s ease,border-color .15s ease,color .15s ease,box-shadow .15s}
.btn svg{width:20px;height:20px;flex:none}
.btn-wa,.btn-p{background:linear-gradient(100deg,var(--btn) 0%,#4C6690 100%);color:#fff;box-shadow:0 10px 24px rgba(5,12,22,.35),inset 0 1px 0 rgba(255,255,255,.18)}
.btn-wa:hover,.btn-p:hover{background:var(--btn-h);color:#fff}
.btn-s{background:transparent;color:#fff;border-color:var(--line2)}
.btn-s:hover{border-color:var(--steel-l);color:#fff}
.btn-sm{min-height:46px;padding:6px 18px;font-size:.95rem}
.btn-pill{border-radius:999px;padding:8px 34px}
.btn.circ{width:48px;min-height:48px;padding:0;border-radius:50%;background:#fff;color:var(--bg);font-size:1.25rem;border:0;box-shadow:0 8px 20px rgba(0,0,0,.35)}
.btn.circ:hover{background:var(--steel-l)}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}

/* sections */
section{padding:96px 0;position:relative}
@media (max-width:700px){section{padding:60px 0}}
.panel{padding:96px 0}
.eyebrow{display:inline-block;font-weight:500;color:var(--steel-l);font-size:.92rem;letter-spacing:.06em;margin-bottom:14px}
.eyebrow::before{content:"";display:inline-block;width:28px;height:1px;background:var(--steel);vertical-align:middle;margin-inline-end:10px}
.lead{font-size:1.14rem;color:var(--tx2);max-width:640px}
.sec-head{max-width:760px;margin-bottom:44px}
.sec-head.c{margin-inline:auto;text-align:center}
.sec-head.c .lead{margin-inline:auto}
.stars{color:var(--steel-l);letter-spacing:2px}

/* hero: library backdrop, monogram, copy on the right, Vitaly full height on the left */
.hero,.page-hero{background:var(--bg-h) url(/assets/library.jpg) center/cover no-repeat;position:relative;overflow:hidden;isolation:isolate}
.hero::before,.page-hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(270deg,rgba(15,28,44,.94) 0%,rgba(15,28,44,.78) 42%,rgba(15,28,44,.42) 75%,rgba(15,28,44,.62) 100%),linear-gradient(0deg,rgba(15,28,44,.85) 0%,rgba(15,28,44,0) 30%)}
.hero{padding:0}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:24px;align-items:end;min-height:min(720px,calc(100vh - var(--hdr-h)))}
.hero-copy{padding:72px 0 80px;align-self:center}
.hero-mark{display:flex;align-items:flex-end;gap:12px;margin-bottom:34px}
.hero-mark .mono{font-size:clamp(5rem,9vw,7.4rem)}
.hero-mark .vt{writing-mode:vertical-rl;transform:rotate(180deg);font-size:.72rem;letter-spacing:.32em;color:var(--tx3);font-weight:500;line-height:1;padding-bottom:6px}
.hero-mark .cap{display:block;font-size:.8rem;color:var(--tx3);letter-spacing:.08em;margin-top:6px}
.hero h1{font-size:clamp(2.2rem,3.9vw,3.25rem);line-height:1.18;margin-bottom:22px;font-weight:500}
.hero .lead{margin-bottom:34px;color:#D3DCE7}
.hero-rate{display:inline-flex;align-items:center;gap:10px;margin-top:22px;color:var(--tx2);text-decoration:none;font-size:.95rem;min-height:44px}
.hero-rate b{font-family:var(--disp);font-size:1.25rem}
.hero-portrait{margin:0;align-self:end;display:flex;justify-content:center;position:relative}
.hero-portrait img{width:100%;max-width:520px;height:auto;filter:drop-shadow(0 30px 40px rgba(0,0,0,.45))}
.hero-portrait::after{content:"";position:absolute;inset:auto 0 0;height:170px;background:linear-gradient(0deg,var(--bg) 0%,rgba(15,28,44,.85) 30%,rgba(15,28,44,0) 100%)}
@media (prefers-reduced-motion:no-preference){
  .hero-portrait img{animation:rise 1s cubic-bezier(.2,.7,.2,1) both}
  .hero-copy>*{animation:rise .8s cubic-bezier(.2,.7,.2,1) both}
  .hero-copy>*:nth-child(2){animation-delay:.12s}.hero-copy>*:nth-child(3){animation-delay:.22s}.hero-copy>*:nth-child(4){animation-delay:.32s}
}
@keyframes rise{from{opacity:0;transform:translateY(18px)}to{opacity:1;transform:none}}
@media (max-width:860px){
  .hero::before{background:linear-gradient(0deg,rgba(15,28,44,.96) 0%,rgba(15,28,44,.9) 48%,rgba(15,28,44,.55) 100%)}
  .hero-grid{grid-template-columns:1fr;min-height:0;gap:0}
  .hero-copy{padding:40px 0 10px;order:1}
  .hero-mark{margin-bottom:22px}
  .hero-portrait{order:2;margin-top:6px}
  .hero-portrait img{max-width:340px}
}

/* marquee strip */
.marquee{background:linear-gradient(90deg,#55709A,#6E88AE 50%,#55709A);color:#fff;overflow:hidden;white-space:nowrap;border-block:1px solid rgba(255,255,255,.18)}
.marquee .track{display:inline-flex;gap:0;padding:14px 0;font-family:var(--disp);font-size:1.3rem;font-weight:500}
.marquee .track span{padding:0 18px}
.marquee .track span::after{content:"·";padding-inline-start:36px;opacity:.8}
@media (prefers-reduced-motion:no-preference){.marquee .track{animation:marq 38s linear infinite}}
@keyframes marq{from{transform:translateX(0)}to{transform:translateX(50%)}}
@media (max-width:700px){.marquee .track{font-size:1.1rem;padding:12px 0}}

/* "purpose" block: device mockup in concentric rings + copy */
.purpose{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.rings{position:relative;aspect-ratio:1/1;display:grid;place-items:center;max-width:520px;margin-inline:auto;width:100%}
.rings::before,.rings::after{content:"";position:absolute;border-radius:50%;border:1px solid rgba(163,181,206,.16)}
.rings::before{inset:0;background:radial-gradient(circle,rgba(86,112,154,.22) 0%,rgba(15,28,44,0) 62%)}
.rings::after{inset:15%;border-color:rgba(163,181,206,.22)}
.laptop{position:relative;z-index:1;width:92%}
.laptop .scr{background:#0A121D;border:10px solid #232F3E;border-bottom-width:14px;border-radius:14px 14px 4px 4px;aspect-ratio:16/10;overflow:hidden;box-shadow:0 30px 60px rgba(0,0,0,.5)}
.laptop .scr img{width:100%;height:100%;object-fit:cover;object-position:top}
.laptop .base{height:14px;margin:0 -6%;background:linear-gradient(180deg,#3A4758,#1D2632);border-radius:0 0 14px 14px}
.tool-list{list-style:none;margin:26px 0 0;padding:0;border-top:1px solid var(--line)}
.tool-list a{display:flex;align-items:center;gap:16px;padding:18px 0;border-bottom:1px solid var(--line);text-decoration:none;color:#fff;min-height:64px}
.tool-list .n{font-family:var(--disp);font-size:1.5rem;font-weight:600;color:var(--steel);min-width:44px;direction:ltr}
.tool-list b{display:block;font-family:var(--disp);font-weight:500;font-size:1.15rem}
.tool-list small{display:block;color:var(--tx3);font-size:.92rem;line-height:1.45}
.tool-list a::after{content:"←";margin-inline-start:auto;font-size:1.3rem;color:var(--steel-l);transition:transform .15s}
.tool-list a:hover::after{transform:translateX(-6px)}
.tool-list a:hover b{color:var(--steel-l)}
@media (max-width:900px){.purpose{grid-template-columns:1fr;gap:28px}.rings{max-width:420px;order:2}}

/* benefits: 01..05 around the big VF */
.orbit{display:grid;grid-template-columns:1fr minmax(220px,300px) 1fr;grid-template-rows:auto auto auto;gap:34px 40px;align-items:center;max-width:1040px;margin:0 auto}
.orbit .core{grid-column:2;grid-row:1/3;display:flex;align-items:center;justify-content:center;gap:10px}
.orbit .core .mono{font-size:clamp(7rem,13vw,11rem);opacity:.95}
.orbit .core .vt{writing-mode:vertical-rl;transform:rotate(180deg);font-family:var(--disp);font-size:1.05rem;letter-spacing:.14em;color:var(--steel-l)}
.ben{max-width:340px}
.ben .num{display:block;font-family:var(--disp);font-weight:600;font-size:clamp(2.8rem,5vw,4rem);line-height:1;background:var(--mono-grad);-webkit-background-clip:text;background-clip:text;color:transparent;direction:ltr;margin-bottom:10px}
.ben h3{font-size:1.15rem;margin-bottom:6px}
.ben p{margin:0;font-size:.98rem;color:var(--tx2)}
.ben:nth-of-type(1){grid-column:1;grid-row:1;justify-self:end;text-align:left}
.ben:nth-of-type(2){grid-column:3;grid-row:1;justify-self:start}
.ben:nth-of-type(3){grid-column:1;grid-row:2;justify-self:end;text-align:left}
.ben:nth-of-type(4){grid-column:3;grid-row:2;justify-self:start}
.ben:nth-of-type(5){grid-column:1/-1;grid-row:3;justify-self:center;text-align:center}
.ben:nth-of-type(1) .num,.ben:nth-of-type(3) .num{text-align:left}
.ben:nth-of-type(5) .num{text-align:center}
@media (max-width:860px){
  .orbit{grid-template-columns:1fr;gap:26px}
  .orbit .core{grid-column:1;grid-row:auto;order:-1}
  .orbit .core .mono{font-size:6.5rem}
  .ben,.ben:nth-of-type(n){grid-column:1;grid-row:auto;justify-self:stretch;text-align:right;max-width:none;display:grid;grid-template-columns:76px 1fr;gap:0 14px;align-items:start}
  .ben .num,.ben:nth-of-type(n) .num{grid-row:1/3;text-align:right;font-size:2.6rem;margin:0}
}

/* reviews: coverflow of white cards */
.reviews-sec{overflow-x:clip}
.cf-wrap{position:relative;max-width:980px;margin:0 auto}
.reviews{display:grid;grid-auto-flow:column;grid-auto-columns:min(340px,84%);gap:16px;overflow-x:auto;scroll-snap-type:x mandatory;padding:10px 4px 24px;scrollbar-width:thin}
.review{scroll-snap-align:center;background:#fff;color:#273445;border-radius:16px;padding:24px;display:flex;flex-direction:column;gap:12px;margin:0;box-shadow:0 24px 50px rgba(0,0,0,.4)}
.review .who{display:flex;align-items:center;gap:12px}
.review .av{flex:none;width:52px;height:52px;border-radius:50%;background:var(--mono-grad);display:grid;place-items:center;color:#fff;font-family:var(--disp);font-weight:600;font-size:1rem;direction:ltr}
.review .who b{display:block;color:#121D2B;font-family:var(--disp);font-weight:500;font-size:1.05rem;line-height:1.25}
.review .who small{display:block;color:#5A6676;font-size:.84rem}
.review blockquote{margin:0;font-size:1rem;line-height:1.65;color:#2D3A4B}
.review .stars{color:#4B6182;font-size:.9rem}
.reviews.cf{display:block;position:relative;overflow:visible;height:var(--cf-h,330px);padding:0}
.reviews.cf .review{position:absolute;top:0;left:50%;width:min(340px,80vw);margin-left:calc(min(340px,80vw)/-2);transition:transform .45s cubic-bezier(.2,.7,.2,1),opacity .45s,filter .45s;will-change:transform}
.cf-nav{position:absolute;top:calc(var(--cf-h,330px)/2 - 24px);right:-4px;left:-4px;display:flex;justify-content:space-between;pointer-events:none;z-index:20}
.cf-nav .btn{pointer-events:auto}
.rev-foot{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:14px 24px;margin-top:36px;text-align:center}
.rev-foot .rating{color:var(--tx2);font-size:.95rem}
.rev-foot .rating b{font-family:var(--disp);font-size:1.4rem;margin-inline-end:6px}
.rev-foot .rating a{display:inline-block;padding:10px 0}
.reviews-sec .hint{text-align:center}
@media (max-width:700px){.cf-nav{right:0;left:0}}

/* faded wordmark + steel about band */
.band-wrap{position:relative;margin-top:80px;overflow-x:clip}
.wordmark{position:absolute;left:4%;top:0;transform:translateY(-58%);font-family:var(--disp);font-weight:600;font-size:clamp(4.5rem,15vw,12rem);line-height:1;letter-spacing:.16em;color:rgba(255,255,255,.07);direction:ltr;pointer-events:none;user-select:none;white-space:nowrap;z-index:1}
.band{background:linear-gradient(180deg,#4E6587 0%,#435A7B 100%);color:#EEF2F7;padding:96px 0;position:relative}
.band h2{color:#fff}
.band h2 em{color:var(--bg)}
.band p,.band .lead{color:#EEF2F7}
.band .eyebrow{color:#fff}.band .eyebrow::before{background:#fff}
.band a:not(.btn){color:#fff}
.about{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center}
.about-pic{margin:0;border-radius:var(--r);overflow:hidden;box-shadow:0 30px 60px rgba(8,16,28,.45);order:2}
.about-pic img{width:100%;height:auto;aspect-ratio:805/1000;object-fit:cover}
.band .ticks li::before{background-color:#fff}
.paths-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:26px 0}
.paths-row a{display:flex;align-items:center;justify-content:space-between;gap:10px;min-height:56px;padding:10px 18px;border-radius:8px;background:rgba(11,21,34,.42);border:1px solid rgba(255,255,255,.22);color:#fff;text-decoration:none;font-weight:500}
.paths-row a::after{content:"←";opacity:.8}
.paths-row a:hover{background:rgba(11,21,34,.7)}
.band .btn-s{border-color:rgba(255,255,255,.55)}
.band .btn-p,.band .btn-wa{background:var(--bg);box-shadow:none}
.band .btn-p:hover,.band .btn-wa:hover{background:#1B2B40}
@media (max-width:900px){.about{grid-template-columns:1fr;gap:32px}.about-pic{order:0;max-width:440px}.paths-row{grid-template-columns:1fr}}

/* inner page head */
.page-hero{padding:56px 0 52px}
.page-hero::before{background:linear-gradient(270deg,rgba(15,28,44,.95) 0%,rgba(15,28,44,.84) 55%,rgba(15,28,44,.7) 100%)}
.ph-grid{display:grid;grid-template-columns:1fr 300px;gap:40px;align-items:end}
.page-hero h1{font-size:clamp(2rem,4.2vw,3.1rem)}
.crumbs{font-size:.9rem;color:var(--tx3);margin-bottom:10px}
.crumbs a{display:inline-block;padding:10px 0}
.answer{background:rgba(255,255,255,.05);border:1px solid var(--line);border-inline-start:3px solid var(--steel);border-radius:var(--r-s);padding:20px 22px;max-width:820px;font-size:1.08rem}
.answer p{margin:0;color:#E2E9F1}
.updated{font-size:.88rem;color:var(--tx3)}
.glass{background:rgba(255,255,255,.05);border:1px solid var(--line);border-radius:var(--r);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}
.ph-card{padding:22px;display:flex;flex-direction:column;gap:14px}
.ph-who{display:flex;align-items:center;gap:14px}
.ph-who img{width:64px;height:64px;border-radius:50%;border:1.5px solid var(--steel)}
.ph-who b{display:block;font-family:var(--disp);font-weight:500}
.ph-who span{color:var(--tx3);font-size:.9rem}
.ph-card .btn{width:100%}
.ph-rate{display:inline-flex;align-items:center;gap:8px;min-height:44px;font-size:.92rem}
.ph-mark{font-size:3.4rem;margin-bottom:14px}
@media (max-width:900px){.ph-grid{grid-template-columns:1fr}.ph-card{display:none}}

/* chooser + journey (kept for reuse, dark) */
.paths{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.path{background:var(--surf);border:1px solid var(--line);border-radius:var(--r);padding:22px;text-align:right;font-family:inherit;color:#fff;cursor:pointer;display:flex;flex-direction:column;gap:10px;min-height:190px}
.path[aria-pressed=true]{border-color:var(--steel);background:var(--surf2)}
.path span{color:var(--tx2);font-size:.95rem}
.path-panel{margin-top:16px;background:var(--surf);border-radius:var(--r);padding:34px}
.path-panel[hidden]{display:none}
.path-panel .cols{display:grid;grid-template-columns:1fr 1fr;gap:34px}
.journey{display:grid;grid-template-columns:300px 1fr;gap:30px}
.steps{list-style:none;margin:0;padding:0}
.steps button{display:flex;align-items:center;gap:14px;width:100%;background:none;border:0;padding:6px 0;font-family:inherit;font-size:1rem;color:var(--tx2);text-align:right;cursor:pointer;min-height:50px}
.steps .n{flex:none;width:44px;height:44px;border-radius:50%;border:1px solid var(--line2);display:grid;place-items:center;color:#fff}
.steps button[aria-selected=true]{color:#fff;font-weight:700}
.steps button[aria-selected=true] .n{background:var(--btn);border-color:var(--btn)}
.stage{background:var(--surf);border-radius:var(--r);padding:34px}
.stage .k{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:18px}
.stage .k div{border:1px solid var(--line);border-radius:var(--r-s);padding:16px}
.stage-nav{display:flex;justify-content:space-between;gap:10px;margin-top:22px}
@media (max-width:900px){.paths{grid-template-columns:1fr 1fr}.path-panel .cols,.journey,.stage .k{grid-template-columns:1fr}}

/* ticks */
.ticks{list-style:none;padding:0;margin:0 0 8px}
.ticks li{position:relative;padding-inline-start:34px;margin-bottom:12px;color:inherit}
.ticks li::before{content:"";position:absolute;right:0;top:.3em;width:22px;height:22px;border-radius:50%;background:var(--steel) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3.2 3L15 7' fill='none' stroke='%230F1C2C' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/15px no-repeat}

/* cards + tools (inner pages) */
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media (max-width:900px){.grid2,.grid3{grid-template-columns:1fr}}
.card{background:var(--surf);border:1px solid var(--line);border-radius:var(--r);padding:26px}
.card h3{color:#fff}
.card.tool{display:flex;flex-direction:column;gap:12px;text-decoration:none;color:#fff;min-height:250px;transition:border-color .15s,transform .2s}
.card.tool:hover{border-color:var(--steel);transform:translateY(-3px);color:#fff}
.card.tool svg{width:54px;height:54px}
.card.tool p{color:var(--tx2);margin:0}
.card.tool .go{margin-top:auto;display:flex;align-items:center;justify-content:space-between;font-weight:700;color:var(--steel-l);padding-top:12px;border-top:1px solid var(--line)}
.card.tool .go::after{content:"←";font-size:1.3rem}
.tools-panel{background:var(--bg-d)}

/* faq */
.faq{max-width:900px}
.faq details{border-bottom:1px solid var(--line)}
.faq details:first-child{border-top:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:18px 4px;font-weight:500;font-family:var(--disp);font-size:1.12rem;color:#fff;display:flex;justify-content:space-between;gap:12px;align-items:center;min-height:64px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;width:38px;height:38px;border-radius:50%;display:grid;place-items:center;border:1px solid var(--line2);font-size:1.3rem;color:var(--steel-l)}
.faq details[open] summary::after{content:"−";background:var(--btn);border-color:var(--btn);color:#fff}
.faq .a{padding:0 4px 20px;color:var(--tx2)}
.faq .a p:last-child{margin:0}

/* forms / tools */
.tool-box{background:var(--surf);border:1px solid var(--line);border-radius:var(--r);padding:30px}
.field{margin-bottom:20px}
.field label,.field .lbl{display:flex;justify-content:space-between;gap:10px;font-weight:700;margin-bottom:8px;color:#fff}
.field output{color:var(--steel-l);font-weight:800}
.field input[type=number],.field select{width:100%;min-height:52px;border:1px solid #3A4E68;border-radius:8px;padding:10px 16px;font-family:inherit;font-size:1.05rem;color:#fff;background:var(--bg)}
.field input[type=number]:focus,.field select:focus{border-color:var(--steel-l);outline:none;box-shadow:0 0 0 3px rgba(163,181,206,.3)}
input[type=range]{width:100%;accent-color:var(--steel-l);height:40px}
.hint{font-size:.88rem;color:var(--tx3);margin-top:4px}
.seg{display:flex;flex-wrap:wrap;gap:8px}
.seg label{display:flex}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg span{display:inline-flex;align-items:center;min-height:46px;padding:8px 18px;border:1px solid #3A4E68;border-radius:8px;cursor:pointer;font-weight:500;background:var(--bg);color:var(--tx2)}
.seg span:hover{border-color:var(--steel-l)}
.seg input:checked+span{border-color:var(--btn);background:var(--btn);color:#fff;font-weight:700}
.seg input:focus-visible+span{outline:3px solid var(--steel-l);outline-offset:2px}
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;align-items:start}
@media (max-width:900px){.calc{grid-template-columns:1fr}}
.result{position:sticky;top:96px;background:var(--surf2);border:1px solid var(--line2);border-radius:var(--r);padding:30px}
.result .big{font-family:var(--disp);font-size:3rem;font-weight:600;line-height:1.1;margin:6px 0 8px;background:var(--mono-grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.result .muted{color:var(--tx3);font-size:.93rem}
.result dl{display:grid;grid-template-columns:1fr auto;gap:10px 12px;margin:20px 0;padding-top:16px;border-top:1px solid var(--line)}
.result dt{color:var(--tx2)}
.result dd{margin:0;font-weight:700;text-align:left;direction:ltr;color:#fff}
.meter{height:10px;border-radius:99px;background:rgba(255,255,255,.12);overflow:hidden;margin:8px 0 6px}
.meter i{display:block;height:100%;width:0;border-radius:99px;background:#5FD3A0;transition:width .25s,background .25s}
.flag{border-radius:10px;padding:12px 16px;font-size:.95rem;margin-top:10px}
.flag.ok{background:#E7F6EE;color:#14532D}
.flag.warn{background:#FFF4DE;color:#6B3F00}
.flag.bad{background:#FDECEA;color:#7A1A12}
.flag b{color:inherit}
.tracks{display:grid;gap:10px}
.track{display:grid;grid-template-columns:1.3fr .8fr .8fr;gap:10px;align-items:end;background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:12px}
.track b{font-size:.95rem;align-self:center}
.track label{font-size:.8rem;color:var(--tx3);display:block;margin-bottom:2px}
.track input{width:100%;min-height:44px;border:1px solid #3A4E68;border-radius:8px;padding:6px 10px;font-family:inherit;font-size:1rem;background:var(--surf);color:#fff}
@media (max-width:480px){.track{grid-template-columns:1fr 1fr}.track b{grid-column:1/-1}}

/* checklist */
.cl-out{margin-top:22px}
.cl-group{margin-bottom:22px}
.cl-group h3{font-size:1.08rem;margin-bottom:10px}
.cl-item{display:flex;gap:12px;align-items:flex-start;padding:12px 14px;border:1px solid var(--line);border-radius:10px;margin-bottom:8px;background:var(--bg);cursor:pointer;color:#fff}
.cl-item input{appearance:none;-webkit-appearance:none;width:40px;height:40px;margin:-8px -8px -8px 0;flex:none;cursor:pointer;border-radius:10px;background:no-repeat center/22px url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Crect x='1' y='1' width='20' height='20' rx='5' fill='none' stroke='%23A3B5CE' stroke-width='2'/%3E%3C/svg%3E")}
.cl-item input:checked{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 22 22'%3E%3Crect x='0' y='0' width='22' height='22' rx='6' fill='%2356709A'/%3E%3Cpath d='M6 11.5l3.2 3.2L16 8' fill='none' stroke='%23fff' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.cl-item input:focus-visible{outline:3px solid var(--steel-l);outline-offset:-4px}
.cl-item.on{border-color:var(--steel-d)}
.cl-item.on span{color:var(--tx3);text-decoration:line-through}
.cl-item small{display:block;color:var(--tx3);font-size:.85rem}
.progress{display:flex;align-items:center;gap:12px;margin:8px 0 18px;color:#fff}
.progress .bar{flex:1;height:10px;background:rgba(255,255,255,.12);border-radius:99px;overflow:hidden}
.progress .bar i{display:block;height:100%;background:var(--steel-l);width:0;transition:width .2s}

/* prose */
.prose{max-width:760px}
.prose h2{margin-top:1.5em;font-size:clamp(1.45rem,2.6vw,1.9rem)}
.prose h2:first-child{margin-top:0}
.prose ul,.prose ol{padding-inline-start:22px}
.prose li{margin-bottom:8px}
.prose li::marker{color:var(--steel-l);font-weight:700}
.note{font-size:.9rem;color:var(--tx2);background:var(--surf);border:1px solid var(--line);border-radius:10px;padding:12px 16px}
.two{display:grid;grid-template-columns:1fr 340px;gap:40px;align-items:start}
.side{position:sticky;top:104px}
.side .card h3{font-size:1.15rem}
.side .btn{width:100%}
@media (max-width:900px){.two{grid-template-columns:1fr}.side{position:static}}
.hero-card{margin:0;background:var(--surf);border-radius:var(--r);overflow:hidden;border:1px solid var(--line)}
.hero-card img{width:100%;aspect-ratio:4/4.4;object-fit:cover;object-position:top}
.hero-card figcaption{padding:16px 22px 22px;color:var(--tx2);font-size:.95rem}
.hero-card figcaption b{display:block;font-family:var(--disp);font-weight:500;font-size:1.1rem}
.hero-card a{display:inline-block;padding:8px 0}

/* cta band */
.cta-band{position:relative;overflow:hidden;background:var(--surf);border:1px solid var(--line);border-radius:var(--r);padding:48px;display:flex;flex-wrap:wrap;gap:24px;align-items:center;justify-content:space-between;isolation:isolate}
.cta-band::after{content:"VF";position:absolute;left:-10px;bottom:-60px;font-family:var(--disp);font-weight:600;font-size:15rem;line-height:1;letter-spacing:-.06em;color:rgba(163,181,206,.06);direction:ltr;z-index:-1;pointer-events:none}
.cta-band>div:first-child{max-width:620px}
.cta-band h2{margin:0 0 8px}
.cta-band p{margin:0}
@media (max-width:600px){.cta-band{padding:30px 22px}.cta-band .btn{width:100%}}

/* footer */
.ftr{background:var(--bg-d);color:var(--tx2);padding:64px 0 40px;font-size:.95rem;border-top:1px solid var(--line)}
.ftr a{color:#fff}
.ftr .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}
.ftr h3{font-size:1.02rem}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li a{display:inline-block;padding:11px 0;min-width:44px}
.ftr-brand{display:flex;align-items:center;gap:14px;margin-bottom:14px}
.ftr-brand .mono{font-size:3.2rem}
.ftr-brand h3{margin:0}
.legal{border-top:1px solid var(--line);margin-top:28px;padding-top:18px;font-size:.86rem;color:var(--tx3)}
.legal p{color:var(--tx3)}
@media (max-width:900px){.ftr{padding-bottom:110px}.ftr .cols{grid-template-columns:1fr}}

/* mobile action bar */
.mbar{position:fixed;bottom:0;right:0;left:0;z-index:50;display:none;gap:8px;padding:10px 12px;padding-bottom:calc(10px + env(safe-area-inset-bottom));background:rgba(21,34,52,.97);border-top:1px solid var(--line2);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}
.mbar .btn{flex:1;min-height:50px;font-size:.98rem;padding:6px 12px}
@media (max-width:900px){.mbar{display:flex}}

/* refinance check */
.q{margin-bottom:18px}
.q .lbl{font-weight:700;margin-bottom:8px;display:block;color:#fff}
.rf-out{margin-top:16px}

@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}}
@media print{body{background:#fff;color:#000}h1,h2,h3,b,.cl-item{color:#000}.hdr,.mbar,.ftr,.no-print,.cta-band,.marquee{display:none!important}section{padding:12px 0}.page-hero{background:#fff}.page-hero::before{display:none}.cl-item{break-inside:avoid;background:#fff}}
/* UI/UX Pro Max checklist: touch targets 44px for phone links outside paragraphs */
figcaption a[href^="tel:"]{display:inline-flex;align-items:center;min-height:44px}

/* real דקויות משכנתא mark (Michael 82926), replaces the VF monogram */
.lmark{display:block;height:auto;flex:none}
.brand-mark.lmark{width:62px}
.hero-mark{flex-direction:column;align-items:flex-start;gap:16px}
.hero-mark .lmark{width:clamp(210px,21vw,280px)}
.wordmark{display:block;font-family:var(--disp);font-size:clamp(1.9rem,2.6vw,2.4rem);line-height:1.05;color:var(--steel-l);font-weight:400}
.wordmark b{color:#fff;font-weight:600}
.orbit .core .lmark{width:clamp(200px,24vw,290px)}
.ftr-brand .lmark{width:84px}
@media (max-width:900px){.brand-mark.lmark{width:52px}}
/* mobile: Vitaly first, then the words (Michael 82926: the photo was pushed below everything) */
@media (max-width:860px){
  .hero-mark{display:none}
  .hero-portrait{order:0;margin-top:0;max-height:380px;overflow:hidden;align-items:flex-start}
  .hero-portrait img{max-width:300px}
  .hero-copy{order:1;padding:0 0 30px;margin-top:-56px;position:relative;z-index:1}
  .orbit .core .lmark{width:220px}
}