/* ==========================================================================
   הראל פנחס – ביטוח ופיננסים | shared styles for every page
   ========================================================================== */
:root {
  --bg: #faf9f5;
  --bg-alt: #f3f0e7;
  --card: #ffffff;
  --text: #2c3e50;
  --muted: #555;
  --navy: #2c3e50;
  --on-navy: #ffffff;
  --on-navy-muted: #cfd6dd;
  /* --gold is for backgrounds/borders only; text uses the darker shades so it meets WCAG AA contrast */
  --gold: #d4af37;
  --gold-strong: #9c7a1a;
  --gold-dark: #7a5f0f;
  --line: #ebe6d8;
  --field-border: #8f8a7c;
  --wa: #1a7f45;
  --chart-1: #2c3e50;
  --chart-2: #d4af37;
  --radius: 14px;
  --shadow: 0 6px 24px rgba(44, 62, 80, .08);
  --max: 1120px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 84px; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: Heebo, sans-serif;
  font-size: 1rem;
  line-height: 1.75;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
.container { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 820px; }
.gold { color: var(--gold-strong); }
p .gold, li .gold { color: var(--gold-dark); font-weight: 600; }
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0;
}
section { padding: 80px 0; }
.section-alt { background: var(--bg-alt); }
.eyebrow {
  display: inline-block; color: var(--gold-dark); font-weight: 600;
  font-size: .95rem; letter-spacing: .02em; margin-bottom: 6px;
}
h1, h2, h3 { line-height: 1.25; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.3rem); margin: 0 0 16px; font-weight: 700; }
h3 { margin: 0 0 8px; font-size: 1.2rem; }
.section-head { text-align: center; max-width: 680px; margin: 0 auto 48px; }
.section-head p { color: var(--muted); margin: 0; }

/* Skip link & focus */
.skip-link {
  position: absolute; top: -60px; right: 16px; z-index: 200;
  background: var(--navy); color: var(--on-navy); padding: 10px 16px; border-radius: 8px;
}
.skip-link:focus { top: 12px; }
:focus-visible { outline: 3px solid var(--gold-dark); outline-offset: 3px; }
.site-footer :focus-visible, .band :focus-visible, .cta-band :focus-visible { outline-color: var(--gold); }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 26px; border-radius: 999px; font: inherit; font-weight: 600;
  text-decoration: none; cursor: pointer; border: 2px solid transparent;
  transition: transform .15s, background .15s, box-shadow .15s;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { background: var(--gold); color: #1f2d3a; box-shadow: 0 6px 18px rgba(212, 175, 55, .35); }
.btn-primary:hover { background: #c9a42e; }
.btn-outline { border-color: var(--text); color: var(--text); background: transparent; }
.btn-outline:hover { background: var(--text); color: var(--bg); }
.btn-wa { background: var(--wa); color: #fff; }
.btn svg { width: 20px; height: 20px; flex: none; }
.btn-row { display: flex; gap: 12px; flex-wrap: wrap; }

/* ---------- Header & navigation ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: var(--bg); border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; height: 72px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; flex: none; }
.brand img { width: 46px; height: 46px; object-fit: contain; border-radius: 8px; }
.brand strong { display: block; font-size: 1.1rem; line-height: 1.2; }
.brand small { color: var(--muted); font-size: .8rem; }
.main-nav > ul { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.main-nav a, .sub-toggle {
  display: flex; align-items: center; gap: 4px; padding: 8px 12px; border-radius: 8px;
  text-decoration: none; font: inherit; font-weight: 500; color: var(--text);
  background: none; border: none; cursor: pointer;
}
.main-nav a:hover, .sub-toggle:hover { color: var(--gold-dark); background: var(--bg-alt); }
.main-nav a[aria-current="page"] { color: var(--gold-dark); font-weight: 700; }
.sub-toggle svg { width: 16px; height: 16px; transition: transform .2s; }
.sub-toggle[aria-expanded="true"] svg { transform: rotate(180deg); }
.has-sub { position: relative; }
.sub {
  display: none; position: absolute; top: 100%; right: 0; min-width: 240px; z-index: 110;
  list-style: none; margin: 6px 0 0; padding: 8px; background: var(--card);
  border: 1px solid var(--line); border-radius: 12px; box-shadow: 0 12px 30px rgba(44, 62, 80, .14);
}
.sub.open { display: block; }
.sub a { padding: 9px 12px; }
.header-cta { padding: 10px 20px; flex: none; }
.menu-toggle {
  display: none; background: none; border: 1px solid var(--line); border-radius: 10px;
  width: 44px; height: 44px; cursor: pointer; color: var(--text);
}
.menu-toggle svg { width: 22px; height: 22px; }

/* ---------- Home: hero ---------- */
.hero { padding: 64px 0 72px; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; }
.badge {
  display: inline-flex; align-items: center; gap: 8px; background: var(--card);
  border: 1px solid var(--line); padding: 6px 14px; border-radius: 999px; font-size: .9rem; color: var(--muted);
}
.badge::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--gold); }
.hero h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); line-height: 1.15; margin: 18px 0; font-weight: 800; }
.lead { font-size: 1.15rem; color: var(--muted); margin: 0 0 28px; max-width: 620px; }
.hero-photo { position: relative; z-index: 0; }
.hero-photo img { border-radius: 22px; box-shadow: var(--shadow); width: 100%; aspect-ratio: 4/5; object-fit: cover; background: #fff; }
.hero-photo::before {
  content: ""; position: absolute; inset: 18px -18px -18px 18px; border: 2px solid var(--gold);
  border-radius: 22px; z-index: -1;
}
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 40px; }
.stat { background: var(--card); border-radius: var(--radius); padding: 16px; text-align: center; box-shadow: var(--shadow); }
.stat b { display: block; font-size: 1.5rem; color: var(--gold-dark); line-height: 1.3; }
.stat span { font-size: .9rem; color: var(--muted); }

/* ---------- Home: about, values, approach ---------- */
.about { text-align: center; }
.about .text { max-width: 760px; margin: 0 auto; color: var(--muted); font-size: 1.05rem; }
.about strong { color: var(--text); }
.tagline { margin-top: 40px; font-size: clamp(1.8rem, 4vw, 2.6rem); font-weight: 800; line-height: 1.3; }
.values { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.value { background: var(--card); border-radius: var(--radius); padding: 28px 22px; box-shadow: var(--shadow); border-top: 4px solid var(--gold); }
.value p { margin: 0; color: var(--muted); font-size: .97rem; }
.icon {
  width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center;
  background: rgba(212, 175, 55, .14); color: var(--gold-dark); margin-bottom: 16px; flex: none;
}
.icon svg { width: 26px; height: 26px; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split img { border-radius: 20px; box-shadow: var(--shadow); width: 100%; aspect-ratio: 4/3; object-fit: cover; }
.split p { color: var(--muted); font-size: 1.05rem; }
.quote { border-right: 4px solid var(--gold); padding-right: 18px; margin: 24px 0 0; font-size: 1.4rem; font-weight: 700; color: var(--text); line-height: 1.5; }

/* ---------- Cards grid (services, calculators) ---------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.cards-2 { grid-template-columns: repeat(2, 1fr); }
.card {
  background: var(--card); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow);
  border-right: 4px solid var(--gold); transition: transform .2s, box-shadow .2s;
  display: flex; flex-direction: column;
}
.card p { margin: 0 0 16px; color: var(--muted); font-size: .97rem; flex: 1; }
a.card { text-decoration: none; color: inherit; }
a.card:hover { transform: translateY(-4px); box-shadow: 0 12px 30px rgba(44, 62, 80, .12); }
.card .more { font-weight: 600; color: var(--gold-dark); display: inline-flex; align-items: center; gap: 4px; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.step { background: var(--card); border-radius: var(--radius); padding: 30px 26px; box-shadow: var(--shadow); }
.step-num {
  width: 46px; height: 46px; border-radius: 50%; background: var(--navy); color: var(--on-navy);
  display: grid; place-items: center; font-weight: 700; font-size: 1.2rem; margin-bottom: 16px;
}
.step p { margin: 0; color: var(--muted); }

/* ---------- Bands ---------- */
.band, .cta-band {
  background: var(--navy); color: var(--on-navy); border-radius: 22px; padding: 44px;
  display: grid; grid-template-columns: auto 1fr; gap: 28px; align-items: center;
}
.band .icon { background: rgba(212, 175, 55, .18); color: var(--gold); width: 72px; height: 72px; margin: 0; }
.band .icon svg { width: 36px; height: 36px; }
.band h2, .cta-band h2 { color: var(--on-navy); margin-bottom: 8px; }
.band p, .cta-band p { margin: 0; color: var(--on-navy-muted); font-size: 1.05rem; }
.cta-band { grid-template-columns: 1fr auto; }
.cta-band .btn-outline { border-color: var(--on-navy); color: var(--on-navy); }
.cta-band .btn-outline:hover { background: var(--on-navy); color: var(--navy); }
.cta-section { padding: 0 0 80px; }

/* ---------- Reviews ---------- */
.reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.review { background: var(--card); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow); margin: 0; }
.stars { color: var(--gold-strong); letter-spacing: 2px; font-size: 1.1rem; }
.review p { color: var(--muted); }
.review footer { font-weight: 600; }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin: 0 auto; display: grid; gap: 12px; }
.faq details { background: var(--card); border-radius: 12px; box-shadow: var(--shadow); overflow: hidden; }
.faq summary {
  cursor: pointer; list-style: none; padding: 20px 24px; font-weight: 600; font-size: 1.05rem;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.6rem; color: var(--gold-dark); line-height: 1; transition: transform .2s; flex: none; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .answer { padding: 0 24px 20px; color: var(--muted); }

/* ---------- Inner pages ---------- */
.page-hero { padding: 48px 0 56px; background: var(--bg-alt); }
.page-hero h1 { font-size: clamp(2rem, 4.5vw, 3rem); margin: 8px 0 14px; font-weight: 800; }
.page-hero .lead { margin-bottom: 24px; }
.crumbs { font-size: .9rem; color: var(--muted); }
.crumbs ol { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 6px; }
.crumbs li + li::before { content: "/"; margin-left: 6px; color: var(--muted); }
.crumbs a { color: var(--gold-dark); }
.prose { font-size: 1.05rem; }
.prose h2 { font-size: 1.6rem; margin: 40px 0 12px; }
.prose h2:first-child { margin-top: 0; }
.prose p, .prose li { color: var(--muted); }
.prose strong { color: var(--text); }
.checklist { list-style: none; padding: 0; display: grid; gap: 12px; }
.checklist li {
  background: var(--card); border-radius: 12px; padding: 14px 18px 14px 18px; box-shadow: var(--shadow);
  display: flex; gap: 12px; align-items: flex-start;
}
.checklist li::before {
  content: "✓"; flex: none; width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center;
  background: var(--gold); color: #1f2d3a; font-weight: 700; font-size: .9rem; margin-top: 2px;
}
.note {
  background: var(--card); border-right: 4px solid var(--gold); border-radius: 12px; padding: 16px 20px;
  color: var(--muted); font-size: .95rem; box-shadow: var(--shadow);
}

/* ---------- Legal pages ---------- */
.doc { background: var(--card); border-radius: 16px; padding: 40px; box-shadow: var(--shadow); }
.doc h1 { font-size: clamp(1.7rem, 4vw, 2.2rem); margin: 0 0 8px; }
.doc h2 { font-size: 1.25rem; margin: 32px 0 8px; }
.doc a:not(.btn) { color: var(--gold-dark); }
.doc ul { padding-right: 22px; }
.updated { color: var(--muted); margin: 0 0 24px; }
.page-main { padding: 40px 0 64px; }
.center { text-align: center; }

/* ---------- Calculators ---------- */
.calc { display: grid; grid-template-columns: 380px 1fr; gap: 28px; align-items: start; }
.calc-form, .calc-result { background: var(--card); border-radius: 18px; padding: 28px; box-shadow: var(--shadow); }
.calc-form h2, .calc-result h2 { font-size: 1.3rem; margin: 0 0 18px; }
.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 500; margin-bottom: 6px; font-size: .95rem; }
.field .hint { display: block; font-size: .85rem; color: var(--muted); margin-top: 4px; }
.input-wrap { position: relative; }
.input-wrap .unit { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); pointer-events: none; }
.input-wrap .form-control { padding-left: 56px; }
.kpis { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-bottom: 24px; }
.kpi { background: var(--bg-alt); border-radius: 12px; padding: 16px; }
.kpi span { display: block; font-size: .9rem; color: var(--muted); }
.kpi b { display: block; font-size: 1.45rem; line-height: 1.3; font-variant-numeric: tabular-nums; }
.kpi.hero-kpi { background: var(--navy); color: var(--on-navy); }
.kpi.hero-kpi span { color: var(--on-navy-muted); }
.disclaimer-box { font-size: .88rem; color: var(--muted); margin-top: 20px; line-height: 1.6; }
.legend { display: flex; gap: 18px; flex-wrap: wrap; font-size: .9rem; margin: 0 0 10px; padding: 0; list-style: none; }
.legend li { display: flex; align-items: center; gap: 6px; }
.swatch { width: 12px; height: 12px; border-radius: 3px; display: inline-block; }
.chart-wrap { position: relative; }
.chart-wrap svg { width: 100%; height: auto; display: block; overflow: visible; }
.chart-tip {
  position: absolute; pointer-events: none; background: var(--card); color: var(--text); border: 1px solid var(--line);
  border-radius: 10px; padding: 8px 12px; font-size: .85rem; box-shadow: 0 8px 24px rgba(0, 0, 0, .14);
  white-space: nowrap; display: none; z-index: 5; line-height: 1.6;
}
.data-table { width: 100%; border-collapse: collapse; font-size: .9rem; font-variant-numeric: tabular-nums; }
.data-table th, .data-table td { padding: 8px 10px; text-align: right; border-bottom: 1px solid var(--line); }
.data-table th { font-weight: 600; }
.table-toggle { margin-top: 16px; }
.table-toggle summary { cursor: pointer; font-weight: 600; color: var(--gold-dark); }
.table-scroll { max-height: 320px; overflow: auto; margin-top: 10px; }
.compare-bars { display: grid; gap: 14px; }
.compare-bars .row span { display: block; font-size: .9rem; color: var(--muted); margin-bottom: 4px; }
.compare-bars .bar { height: 28px; border-radius: 0 4px 4px 0; min-width: 4px; }

/* ---------- Fund comparison & simulator ---------- */
.tabs { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin-bottom: 24px; }
.tab {
  padding: 10px 20px; border-radius: 999px; border: 2px solid var(--navy); background: transparent;
  color: var(--text); font: inherit; font-weight: 600; cursor: pointer;
}
.tab:hover { background: var(--bg-alt); }
.tab[aria-selected="true"] { background: var(--navy); color: var(--on-navy); }
html.a11y-dark .tab { border-color: var(--text); }
.toolbar { display: flex; flex-wrap: wrap; gap: 16px; align-items: flex-end; margin-bottom: 16px; }
.toolbar .field { margin: 0; min-width: 200px; }
.data-meta { color: var(--muted); font-size: .9rem; margin: 0 0 12px; }
.fund-table-wrap { overflow-x: auto; background: var(--card); border-radius: 14px; box-shadow: var(--shadow); }
.fund-table { width: 100%; border-collapse: collapse; font-size: .92rem; font-variant-numeric: tabular-nums; min-width: 860px; }
.fund-table caption { text-align: right; padding: 14px 16px 0; font-weight: 700; font-size: 1.1rem; }
.fund-table th, .fund-table td { padding: 10px 12px; text-align: right; border-bottom: 1px solid var(--line); }
.fund-table thead th { background: var(--navy); color: var(--on-navy); font-weight: 600; position: sticky; top: 0; white-space: nowrap; }
.fund-table thead th { padding: 0; }
.sort-btn {
  display: flex; align-items: center; gap: 6px; width: 100%; padding: 12px; background: none; border: none;
  color: inherit; font: inherit; font-weight: 600; cursor: pointer; text-align: right; white-space: nowrap;
}
.sort-btn:hover { background: rgba(255, 255, 255, .12); }
.sort-btn:focus-visible { outline: 3px solid var(--gold); outline-offset: -3px; }
.sort-arrow { font-size: .8rem; opacity: .85; }
th[aria-sort] .sort-arrow { color: var(--gold); opacity: 1; }
.fund-table tbody tr:nth-child(even) { background: var(--bg-alt); }
.fund-table td.num { direction: ltr; text-align: left; white-space: nowrap; }
.fund-table th[scope="row"] { font-weight: 600; min-width: 220px; }
.fund-table .company { display: block; font-weight: 400; font-size: .82rem; color: var(--muted); }
.pos { color: #1a6b3a; } .neg { color: #b42318; }
html.a11y-dark .pos { color: #7ee2a4; } html.a11y-dark .neg { color: #ff9b91; }
.status-msg { padding: 28px; text-align: center; color: var(--muted); }
.source-note { font-size: .88rem; color: var(--muted); margin-top: 16px; line-height: 1.6; }
.sim-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.sim-side { background: var(--card); border-radius: 18px; padding: 24px; box-shadow: var(--shadow); border-top: 4px solid var(--chart-1); }
.sim-side.b { border-top-color: var(--chart-2); }
.sim-side h2 { font-size: 1.2rem; margin: 0 0 14px; }
.split-box { background: var(--card); border-radius: 18px; padding: 24px; box-shadow: var(--shadow); margin: 22px 0; }
.split-box input[type="range"] { width: 100%; accent-color: var(--gold-dark); height: 28px; }
.split-labels { display: flex; justify-content: space-between; font-weight: 700; font-size: 1.1rem; }

/* ---------- Home: "neighbour's fund" banner ---------- */
.promo { padding: 0 0 72px; }
.promo-box {
  background: linear-gradient(135deg, var(--navy), #3d5470); color: var(--on-navy); border-radius: 22px;
  padding: 36px 40px; display: grid; grid-template-columns: 1fr auto; gap: 24px; align-items: center;
}
.promo-box h2 { color: var(--on-navy); margin: 0 0 6px; font-size: clamp(1.5rem, 3vw, 2rem); }
.promo-box p { margin: 0; color: var(--on-navy-muted); }
.promo-box .btn-row { flex-direction: column; }
.promo-box .btn { justify-content: space-between; min-width: 300px; }
.promo-box .btn-outline { border-color: var(--on-navy); color: var(--on-navy); }
.promo-box .btn-outline:hover { background: var(--on-navy); color: var(--navy); }
html.a11y-dark .promo-box { background: #000; border: 1px solid #555; }

/* ---------- Form 161 guide ---------- */
.wizard { max-width: 820px; margin: 0 auto; }
.progress { display: flex; gap: 6px; margin-bottom: 22px; list-style: none; padding: 0; }
.progress li { flex: 1; height: 6px; border-radius: 3px; background: var(--line); }
.progress li.done { background: var(--gold); }
.step-card { background: var(--card); border-radius: 18px; padding: 28px; box-shadow: var(--shadow); }
.step-card h2 { font-size: 1.35rem; margin: 0 0 8px; }
.step-card .intro { color: var(--muted); margin: 0 0 20px; }
.source-row { display: grid; grid-template-columns: 1.4fr 1fr 1fr auto; gap: 10px; align-items: end; margin-bottom: 12px; }
.source-row .field { margin: 0; }
.icon-btn { background: none; border: 1px solid var(--field-border); border-radius: 10px; width: 44px; height: 46px; cursor: pointer; color: var(--text); font-size: 1.3rem; }
.choice-list { display: grid; gap: 10px; }
.choice { display: flex; gap: 12px; align-items: flex-start; border: 2px solid var(--line); border-radius: 12px; padding: 14px 16px; cursor: pointer; }
.choice:has(input:checked) { border-color: var(--gold-dark); background: var(--bg-alt); }
.choice input { margin-top: 6px; accent-color: var(--gold-dark); }
.choice b { display: block; }
.choice span { color: var(--muted); font-size: .93rem; }
.wizard-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 24px; flex-wrap: wrap; }
.error-msg { color: #b42318; font-weight: 600; margin: 8px 0 0; }
html.a11y-dark .error-msg { color: #ff9b91; }
.glossary { margin-top: 28px; }
.summary-table { width: 100%; border-collapse: collapse; margin: 12px 0 20px; }
.summary-table th, .summary-table td { padding: 10px; border-bottom: 1px solid var(--line); text-align: right; }
.summary-table td.num { direction: ltr; text-align: left; font-variant-numeric: tabular-nums; }
@media print {
  .site-header, .site-footer, .wa-fab, .a11y-fab, .to-top, .a11y-panel, .cta-section, .page-hero .crumbs, .wizard-nav, .progress, .glossary { display: none !important; }
  .step-card { box-shadow: none; padding: 0; }
}

/* ---------- Forms ---------- */
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 48px; align-items: start; }
.contact-info p { color: var(--muted); font-size: 1.05rem; }
.contact-list { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 14px; }
.contact-list a {
  display: flex; align-items: center; gap: 14px; text-decoration: none; background: var(--card);
  padding: 14px 18px; border-radius: 12px; box-shadow: var(--shadow); font-weight: 500;
}
.contact-list .icon { width: 42px; height: 42px; margin: 0; }
.contact-list .icon svg { width: 22px; height: 22px; }
.form-card { background: var(--card); border-radius: 20px; padding: 32px; box-shadow: var(--shadow); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-group { margin-bottom: 14px; }
.form-group label { display: block; font-weight: 500; margin-bottom: 6px; font-size: .95rem; }
.form-note { font-size: .88rem; color: var(--muted); margin: 0 0 14px; }
.privacy-notice { font-size: .85rem; color: var(--muted); margin: 14px 0 0; line-height: 1.6; }
.form-control {
  width: 100%; padding: 12px 14px; border: 1px solid var(--field-border); border-radius: 10px;
  font: inherit; background: var(--card); color: var(--text);
}
.form-control:focus { border-color: var(--gold-dark); outline: none; box-shadow: 0 0 0 3px rgba(212, 175, 55, .35); }
.checkbox-group { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 10px; font-size: .92rem; color: var(--muted); }
.checkbox-group input { margin-top: 6px; accent-color: var(--gold-dark); }
.form-card .btn { width: 100%; margin-top: 10px; }
.hidden-field { display: none; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: var(--on-navy-muted); padding: 48px 0 28px; font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; }
.site-footer h2 { color: var(--on-navy); margin: 0 0 12px; font-size: 1.05rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 6px; }
.site-footer a { text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.site-footer address { font-style: normal; }
.social { display: flex; gap: 10px; margin-top: 14px; }
.social a {
  width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center;
  background: rgba(255, 255, 255, .1); color: var(--on-navy);
}
.social a:hover { background: var(--gold); color: #1f2d3a; }
.social svg { width: 20px; height: 20px; }
.footer-bottom { border-top: 1px solid rgba(255, 255, 255, .12); margin-top: 32px; padding-top: 20px; text-align: center; font-size: .85rem; }
.disclaimer { font-size: .82rem; color: #b4bec8; margin-top: 24px; }

/* ---------- Floating buttons & accessibility panel ---------- */
.wa-fab {
  position: fixed; bottom: 20px; left: 20px; z-index: 90; background: var(--wa); color: #fff;
  border-radius: 999px; padding: 12px 18px; display: flex; align-items: center; gap: 8px;
  text-decoration: none; font-weight: 600; box-shadow: 0 8px 22px rgba(26, 127, 69, .4);
}
.wa-fab svg { width: 24px; height: 24px; }
.to-top, .a11y-fab {
  position: fixed; right: 20px; z-index: 90; width: 48px; height: 48px; border-radius: 50%;
  border: none; background: var(--navy); color: var(--on-navy); cursor: pointer; display: grid; place-items: center;
  box-shadow: var(--shadow);
}
.to-top { bottom: 20px; opacity: 0; pointer-events: none; transition: opacity .2s; }
.to-top.show { opacity: 1; pointer-events: auto; }
.a11y-fab { bottom: 78px; background: #1d5fbf; color: #fff; }
.to-top svg, .a11y-fab svg { width: 26px; height: 26px; }
.a11y-panel {
  position: fixed; right: 20px; bottom: 136px; z-index: 95; background: var(--card); color: var(--text);
  border-radius: 14px; box-shadow: 0 12px 40px rgba(0, 0, 0, .25); padding: 16px; width: 300px;
  max-height: calc(100vh - 160px); overflow: auto; display: none; border: 1px solid var(--line);
}
.a11y-panel.open { display: block; }
.a11y-panel h2 { margin: 0; font-size: 1.1rem; }
.a11y-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px; }
.a11y-close { background: none; border: none; font-size: 1.6rem; line-height: 1; cursor: pointer; color: var(--text); width: 36px; height: 36px; border-radius: 8px; }
.a11y-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.a11y-grid button {
  display: flex; flex-direction: column; align-items: center; gap: 4px; padding: 10px 6px; border-radius: 10px;
  font: inherit; font-size: .85rem; line-height: 1.3; border: 1px solid var(--line); background: var(--bg);
  color: var(--text); cursor: pointer; text-align: center;
}
.a11y-grid button svg { width: 22px; height: 22px; }
.a11y-grid button[aria-pressed="true"] { background: var(--navy); color: var(--on-navy); border-color: var(--navy); }
.a11y-grid .wide { grid-column: 1 / -1; flex-direction: row; justify-content: center; }
.a11y-panel .a11y-link { display: block; text-align: center; margin-top: 12px; font-size: .9rem; color: var(--gold-dark); }

/* ---------- Accessibility modes (toggled on <html> by the panel) ---------- */
html.a11y-contrast {
  --bg: #fff; --bg-alt: #fff; --card: #fff; --muted: #000; --text: #000; --line: #000;
  --gold-strong: #5c4600; --gold-dark: #5c4600; --field-border: #000; --navy: #000;
}
html.a11y-contrast .card, html.a11y-contrast .value, html.a11y-contrast .step,
html.a11y-contrast .faq details, html.a11y-contrast .stat, html.a11y-contrast .calc-form,
html.a11y-contrast .calc-result, html.a11y-contrast .form-card, html.a11y-contrast .doc { border: 2px solid #000; box-shadow: none; }
html.a11y-dark {
  --bg: #000; --bg-alt: #111; --card: #161616; --text: #fff; --muted: #e6e6e6; --line: #555;
  --navy: #000; --on-navy: #fff; --on-navy-muted: #e6e6e6;
  --gold-strong: #ffd54a; --gold-dark: #ffd54a; --field-border: #bbb;
  --chart-1: #8fb3d9; --chart-2: #ffd54a;
}
html.a11y-dark .site-footer, html.a11y-dark .band, html.a11y-dark .cta-band { border-top: 1px solid #555; }
html.a11y-dark .kpi.hero-kpi { border: 1px solid #555; }
html.a11y-gray .site-header, html.a11y-gray main, html.a11y-gray .site-footer { filter: grayscale(1); }
html.a11y-underline a { text-decoration: underline !important; }
html.a11y-links a { background: #ffef5a !important; color: #000 !important; text-decoration: underline !important; }
html.a11y-headings :is(h1, h2, h3) { outline: 2px dashed var(--gold-dark); outline-offset: 4px; }
html.a11y-readable body, html.a11y-readable button, html.a11y-readable input,
html.a11y-readable select, html.a11y-readable textarea { font-family: Arial, sans-serif !important; letter-spacing: .02em; }
html.a11y-spacing body { line-height: 2.1; letter-spacing: .04em; word-spacing: .12em; }
html.a11y-spacing p, html.a11y-spacing li { margin-bottom: 1.2em; }
html.a11y-cursor, html.a11y-cursor * {
  cursor: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40' viewBox='0 0 24 24'%3E%3Cpath d='M4 2l16 10-7 1.5L9.5 21z' fill='%23000' stroke='%23fff' stroke-width='1.5'/%3E%3C/svg%3E") 4 2, auto !important;
}
html.a11y-no-motion { scroll-behavior: auto; }
html.a11y-no-motion *, html.a11y-no-motion *::before, html.a11y-no-motion *::after { animation: none !important; transition: none !important; }

/* Reveal on scroll (only when JS runs, so content is never stuck hidden) */
.js .reveal { opacity: 0; transform: translateY(20px); transition: opacity .6s ease, transform .6s ease; }
.js .reveal.visible { opacity: 1; transform: none; }
html.a11y-no-motion .reveal { opacity: 1 !important; transform: none !important; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .js .reveal { opacity: 1; transform: none; transition: none; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1040px) {
  .main-nav a, .sub-toggle { padding: 8px 8px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 960px) {
  .values { grid-template-columns: repeat(2, 1fr); }
  .cards, .reviews { grid-template-columns: repeat(2, 1fr); }
  .calc { grid-template-columns: 1fr; }
}
@media (max-width: 900px) {
  .menu-toggle { display: grid; place-items: center; }
  .header-cta { display: none; }
  .main-nav {
    position: absolute; top: 72px; right: 0; left: 0; background: var(--bg);
    border-bottom: 1px solid var(--line); display: none; max-height: calc(100vh - 72px); overflow: auto;
  }
  .main-nav.open { display: block; }
  .main-nav > ul { flex-direction: column; align-items: stretch; gap: 0; padding: 8px 16px 16px; }
  .main-nav a, .sub-toggle { width: 100%; padding: 12px 4px; border-radius: 0; border-bottom: 1px solid var(--line); justify-content: space-between; }
  .sub { position: static; box-shadow: none; border: none; margin: 0; padding: 0 16px 0 0; background: transparent; }
  .hero-grid, .split, .contact-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero-photo { max-width: 380px; margin: 0 auto; order: -1; }
  .steps { grid-template-columns: 1fr; }
  .band, .cta-band { grid-template-columns: 1fr; text-align: center; padding: 32px 24px; }
  .band .icon { margin: 0 auto; }
  .cta-band .btn-row { justify-content: center; }
  .promo-box { grid-template-columns: 1fr; text-align: center; padding: 28px 22px; }
  .promo-box .btn { min-width: 0; width: 100%; }
  .sim-grid { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .source-row { grid-template-columns: 1fr 1fr; }
  .source-row .field:first-child { grid-column: 1 / -1; }
  .toolbar .field { min-width: 0; width: 100%; }
}
@media (max-width: 560px) {
  section { padding: 56px 0; }
  .container { padding: 0 16px; }
  .values, .cards, .cards-2, .reviews, .form-row, .footer-grid { grid-template-columns: 1fr; }
  .kpis { grid-template-columns: 1fr; }
  .stats { gap: 10px; }
  .stat { padding: 12px 6px; }
  .stat b { font-size: 1.2rem; }
  .brand small { display: none; }
  .wa-fab span { display: none; }
  .wa-fab { padding: 14px; }
  .form-card, .doc, .calc-form, .calc-result { padding: 22px 18px; }
  .a11y-panel { right: 12px; left: 12px; width: auto; }
}