/* ============ RFA-Louis 張凱翔 ============ */
:root {
  --navy: #0f2346;
  --navy-2: #1b3566;
  --navy-3: #2b4a85;
  --gold: #b8913a;
  --gold-d: #96742a;
  --gold-l: #ecdcb0;
  --ivory: #faf7f0;
  --cream: #f4eedf;
  --paper: #ffffff;
  --text: #1f2a3c;
  --body: #4a5568;
  --mute: #667085;
  --line: #e7dfcc;
  --line-2: #d9e0ec;
  --green: #06c755;
  --sh1: 0 1px 2px rgba(15,35,70,.06), 0 8px 24px rgba(15,35,70,.07);
  --sh2: 0 2px 6px rgba(15,35,70,.08), 0 24px 48px rgba(15,35,70,.14);
  --r: 18px;
  --serif: "Noto Serif TC", "Songti TC", serif;
  --sans: "Noto Sans TC", "PingFang TC", "Microsoft JhengHei", sans-serif;
  --w: 1160px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 92px; -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--sans); color: var(--text); background: var(--paper); line-height: 1.8; font-size: 16px; overflow-x: hidden; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; color: inherit; }
h1, h2, h3, h4 { font-family: var(--serif); color: var(--navy); line-height: 1.35; margin: 0; }
p, ul, ol, dl, dd, figure, blockquote { margin: 0; }
ul, ol { padding: 0; list-style: none; }
.wrap { width: min(var(--w), 100% - 32px); margin-inline: auto; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; }
.i { width: 18px; height: 18px; flex: none; }

.sec { padding: 96px 0; }
.sec.ivory { background: var(--ivory); }
.sec-head { text-align: center; margin-bottom: 48px; }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; color: var(--gold-d); font-size: 13px; letter-spacing: .26em; font-weight: 700; margin-bottom: 10px; }
.eyebrow::before, .eyebrow::after { content: ""; width: 28px; height: 1px; background: var(--gold); }
.sec-head h2 { font-size: clamp(28px, 4vw, 40px); font-weight: 900; }
.sec-head p { color: var(--mute); margin-top: 12px; }

/* 按鈕 */
.btn-line { display: inline-flex; align-items: center; justify-content: center; gap: 8px; background: var(--green); color: #fff; font-weight: 700; padding: 11px 22px; border-radius: 999px; white-space: nowrap; box-shadow: 0 6px 16px rgba(6,199,85,.28); transition: transform .2s, box-shadow .2s; }
.btn-line:hover { transform: translateY(-2px); box-shadow: 0 10px 22px rgba(6,199,85,.32); }
.pill { display: inline-flex; align-items: center; justify-content: center; gap: 6px; padding: 10px 20px; border-radius: 999px; background: #fff; border: 1px solid var(--line); font-weight: 700; color: var(--navy); font-size: 14.5px; transition: border-color .2s, transform .2s; white-space: nowrap; }
.pill:hover { border-color: var(--gold); transform: translateY(-2px); }

/* ---------- progress / nav ---------- */
#prog { position: fixed; inset: 0 0 auto 0; height: 3px; z-index: 60; background: linear-gradient(90deg, var(--gold), var(--gold-l)); transform-origin: 0 50%; transform: scaleX(0); }
.nav { position: fixed; top: 12px; left: 50%; transform: translateX(-50%); z-index: 50; width: min(var(--w), 100% - 24px); display: flex; align-items: center; gap: 16px; padding: 9px 9px 9px 22px; border-radius: 999px; background: rgba(255,255,255,.88); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); box-shadow: var(--sh1); border: 1px solid rgba(231,223,204,.7); }
.brand { font-family: var(--serif); font-weight: 900; color: var(--navy); font-size: 19px; white-space: nowrap; display: flex; align-items: baseline; gap: 6px; }
.brand small { font-family: var(--sans); font-size: 13px; color: var(--gold-d); font-weight: 700; letter-spacing: .1em; }
.nav ul { display: flex; gap: 2px; margin: 0 auto; }
.nav ul a { display: block; padding: 7px 13px; border-radius: 999px; font-size: 14.5px; font-weight: 500; color: var(--navy); transition: background .2s, color .2s; }
.nav ul a:hover { background: var(--cream); }
.nav ul a.on { background: var(--navy); color: #fff; }
.nav .btn-line { padding: 9px 18px; font-size: 14.5px; }
.menu-btn { display: none; background: none; border: 0; width: 42px; height: 42px; border-radius: 50%; color: var(--navy); }
.menu-btn svg { width: 24px; height: 24px; }

/* ---------- hero ---------- */
.hero { padding: 150px 0 84px; overflow: hidden; background: radial-gradient(900px 520px at 85% 8%, rgba(236,220,176,.6), transparent 60%), radial-gradient(700px 500px at 0% 100%, rgba(27,53,102,.08), transparent 60%), var(--ivory); }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: center; }
.hello { color: var(--gold-d); font-weight: 700; letter-spacing: .1em; margin-bottom: 8px; font-size: 17px; }
.hero h1 { font-size: clamp(38px, 5.6vw, 62px); font-weight: 900; }
.hero h1 em { font-style: normal; color: var(--gold); }
.slogan { font-family: var(--serif); font-size: clamp(18px, 2.3vw, 22px); color: var(--navy-2); margin: 16px 0 18px; }
.tags { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 30px; }
.tags span { font-size: 13.5px; padding: 5px 14px; border-radius: 999px; background: #fff; border: 1px solid var(--line); color: var(--navy); font-weight: 500; }
.stats { display: flex; margin-bottom: 32px; }
.stats > div { padding: 0 26px; border-left: 1px solid var(--line); }
.stats > div:first-child { padding-left: 0; border-left: 0; }
.stats b { display: block; font-family: var(--serif); font-size: 34px; color: var(--navy); line-height: 1.15; font-variant-numeric: tabular-nums; }
.stats b span { font: inherit; color: inherit; }
.stats > div > span { font-size: 13px; color: var(--mute); }
.entry { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.entry a { display: flex; align-items: center; gap: 14px; background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 18px; box-shadow: var(--sh1); transition: transform .25s, box-shadow .25s; }
.entry a:hover { transform: translateY(-3px); box-shadow: var(--sh2); }
.ic { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; flex: none; }
.ic svg { width: 22px; height: 22px; }
.ic-blue { background: #eef2fa; color: var(--navy-3); }
.ic-gold { background: #faf1dc; color: var(--gold-d); }
.entry b { display: block; color: var(--navy); font-size: 16.5px; }
.entry small { color: var(--mute); font-size: 13px; }
.go { margin-left: auto; width: 34px; height: 34px; border-radius: 50%; background: var(--navy); color: #fff; display: grid; place-items: center; flex: none; }

.portrait { position: relative; max-width: 430px; width: 100%; justify-self: end; }
.portrait .frame { aspect-ratio: 4/5; border-radius: 28px; overflow: hidden; background: linear-gradient(160deg, var(--navy-2), var(--navy)); box-shadow: var(--sh2); position: relative; z-index: 1; }
.portrait .frame img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 12%; }
.portrait::before { content: ""; position: absolute; inset: -14px 14px 14px -14px; border: 1.5px solid var(--gold); border-radius: 30px; }
.portrait .badge { position: absolute; left: -26px; bottom: 30px; z-index: 2; width: 108px; height: 108px; border-radius: 50%; background: #fff; padding: 6px; box-shadow: var(--sh2); }
.card-float { position: absolute; right: -16px; top: 30px; z-index: 2; background: #fff; border-radius: 14px; padding: 12px 16px; box-shadow: var(--sh2); font-size: 12.5px; color: var(--mute); line-height: 1.55; }
.card-float b { display: block; font-family: var(--serif); color: var(--gold-d); font-size: 22px; letter-spacing: .04em; }

/* ---------- trust ---------- */
.trust { background: var(--navy); color: #fff; }
.trust-row { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-row div { display: flex; align-items: center; gap: 14px; padding: 22px 18px; border-left: 1px solid rgba(236,220,176,.18); }
.trust-row div:first-child { border-left: 0; }
.trust-row b { font-family: var(--serif); color: var(--gold-l); font-size: 23px; white-space: nowrap; }
.trust-row span { font-size: 13px; line-height: 1.55; color: rgba(255,255,255,.8); }

/* ---------- worries ---------- */
.worry-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.worry { display: flex; flex-direction: column; gap: 6px; background: var(--ivory); border: 1px solid var(--line); border-radius: var(--r); padding: 22px 22px 20px; transition: transform .25s, box-shadow .25s, border-color .25s, background .25s; }
.worry:hover { transform: translateY(-4px); box-shadow: var(--sh2); border-color: var(--gold-l); background: #fff; }
.w-ic { font-size: 28px; line-height: 1; margin-bottom: 4px; }
.worry b { font-family: var(--serif); color: var(--navy); font-size: 17.5px; line-height: 1.5; }
.worry small { color: var(--gold-d); font-weight: 700; font-size: 13.5px; margin-top: auto; padding-top: 4px; }

/* ---------- about ---------- */
.about-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 56px; align-items: start; }
.lead { font-family: var(--serif); font-size: clamp(20px, 2.6vw, 25px); color: var(--navy); line-height: 1.6; margin-bottom: 22px; }
.about-copy > p:not(.lead) { color: var(--body); margin-bottom: 14px; }
.mini-h { font-size: 19px; margin: 30px 0 14px; display: flex; align-items: center; gap: 10px; }
.mini-h::after { content: ""; flex: 1; height: 1px; background: var(--line); }
.skills { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.skills li { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 10px 14px 10px 36px; font-size: 14.5px; color: var(--navy); font-weight: 500; position: relative; }
.skills li::before { content: "✓"; position: absolute; left: 13px; top: 10px; color: var(--gold); font-weight: 900; }
.about-side { display: grid; gap: 20px; position: sticky; top: 100px; }
.cert { border: 0; padding: 12px; background: #fff; border-radius: var(--r); box-shadow: var(--sh2); text-align: center; transition: transform .25s; }
.cert:hover { transform: translateY(-3px); }
.cert img { border-radius: 8px; }
.cert span { display: block; margin-top: 10px; font-size: 13px; color: var(--mute); }
.promise-card { background: var(--navy); color: #fff; border-radius: var(--r); padding: 24px 26px; }
.promise-card h3 { color: var(--gold-l); font-size: 18px; margin-bottom: 12px; }
.promise-card ul { display: grid; gap: 8px; font-size: 15px; }
.promise-card li { padding-left: 24px; position: relative; }
.promise-card li::before { content: "✔"; position: absolute; left: 0; color: var(--gold-l); }

/* ---------- story ---------- */
.story-lead { max-width: 760px; margin: 0 auto 56px; text-align: center; }
.quote { font-family: var(--serif); font-size: clamp(19px, 2.8vw, 24px); color: var(--navy); line-height: 1.7; position: relative; padding: 0 20px; }
.quote::before { content: "“"; font-size: 80px; color: var(--gold-l); position: absolute; left: -12px; top: -36px; }
.timeline { max-width: 860px; margin: 0 auto; position: relative; }
.timeline::before { content: ""; position: absolute; left: 128px; top: 8px; bottom: 8px; width: 2px; background: linear-gradient(var(--gold-l), var(--gold), var(--navy-3)); }
.timeline li { display: grid; grid-template-columns: 110px 1fr; gap: 40px; padding-bottom: 40px; position: relative; }
.timeline li:last-child { padding-bottom: 0; }
.timeline li::before { content: ""; position: absolute; left: 121px; top: 8px; width: 16px; height: 16px; border-radius: 50%; background: #fff; border: 3px solid var(--gold); }
.timeline li.now::before { background: var(--gold); box-shadow: 0 0 0 6px rgba(184,145,58,.18); }
.when { text-align: right; font-family: var(--serif); font-weight: 700; color: var(--gold-d); padding-top: 2px; }
.timeline h3 { font-size: 20px; margin-bottom: 8px; }
.timeline p { color: var(--body); }
.timeline blockquote { padding: 14px 18px; background: var(--ivory); border-left: 3px solid var(--gold); border-radius: 0 12px 12px 0; font-family: var(--serif); color: var(--navy); }

/* ---------- method ---------- */
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.pillar { background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 30px 26px; display: flex; flex-direction: column; position: relative; overflow: hidden; transition: transform .25s, box-shadow .25s; }
.pillar:hover { transform: translateY(-4px); box-shadow: var(--sh2); }
.pillar::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: linear-gradient(90deg, var(--gold), var(--gold-l)); }
.pk { font-family: var(--serif); font-weight: 900; font-size: 15px; color: #fff; background: var(--navy); align-self: flex-start; padding: 4px 14px; border-radius: 999px; letter-spacing: .2em; }
.pillar h3 { font-size: 23px; margin: 14px 0 2px; }
.sub { color: var(--gold-d); font-size: 14px; font-weight: 700; margin-bottom: 14px; }
.pillar ul { display: grid; gap: 8px; font-size: 14.5px; color: var(--body); margin-bottom: 18px; }
.pillar li { padding-left: 18px; position: relative; }
.pillar li::before { content: ""; position: absolute; left: 0; top: .72em; width: 7px; height: 7px; border-radius: 2px; background: var(--gold); transform: rotate(45deg); }
.pillar li b { color: var(--navy); }
.callout { margin-top: auto; display: block; background: var(--ivory); border: 1px dashed var(--gold); border-radius: 14px; padding: 14px 16px; text-align: center; color: var(--navy); font-size: 14.5px; line-height: 1.6; transition: background .2s; }
.callout:hover { background: var(--cream); }
.callout b { font-family: var(--serif); color: var(--gold-d); font-size: 21px; }
.rule72 { margin-top: auto; background: var(--ivory); border-radius: 14px; padding: 16px; border: 1px solid var(--line); }
.r-t { font-weight: 700; color: var(--navy); font-size: 14.5px; margin-bottom: 10px; display: flex; justify-content: space-between; align-items: baseline; gap: 8px; }
.r-t small { color: var(--mute); font-weight: 400; font-size: 12px; }
.bar { display: grid; grid-template-columns: 44px 1fr 50px; align-items: center; gap: 8px; font-size: 13px; margin-top: 6px; }
.bar span { color: var(--mute); }
.bar i { height: 10px; border-radius: 99px; background: linear-gradient(90deg, var(--navy-3), var(--navy)); width: var(--w); }
.bar b { text-align: right; color: var(--navy); font-family: var(--serif); }
.r-n { font-size: 11.5px; color: var(--mute); margin-top: 10px; line-height: 1.5; }

/* ---------- real estate ---------- */
.act-lead { max-width: 800px; margin: -16px auto 36px; text-align: center; color: var(--body); font-size: 16.5px; }
.act-lead b { color: var(--navy); }
.act-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 28px; }
.act-stats div { background: var(--ivory); border-radius: var(--r); padding: 22px 20px; border-top: 3px solid var(--gold); }
.act-stats b { display: block; font-family: var(--serif); font-size: clamp(24px, 2.8vw, 30px); color: var(--navy); line-height: 1.25; }
.act-stats span { font-size: 13px; color: var(--mute); line-height: 1.6; display: block; margin-top: 6px; }
.risks { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-bottom: 64px; }
.risk { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 22px; }
.r-ic { font-size: 26px; }
.risk b { display: block; font-family: var(--serif); font-size: 19px; color: var(--navy); margin: 6px 0 6px; }
.risk p { font-size: 14.5px; color: var(--body); }
.sub-h { text-align: center; font-size: clamp(21px, 2.6vw, 25px); margin-bottom: 24px; }
.flow3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-bottom: 40px; }
.f-step { background: var(--ivory); border-radius: var(--r); padding: 26px 24px; position: relative; }
.f-n { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; background: var(--navy); color: var(--gold-l); font-family: var(--serif); font-weight: 900; margin-bottom: 12px; }
.f-step h4 { font-size: 19px; margin-bottom: 6px; }
.f-step p { font-size: 14.5px; color: var(--body); }
.risk-box { border: 1.5px solid var(--gold); background: #fffcf4; border-radius: 20px; padding: 28px 32px; margin-bottom: 28px; }
.risk-box h3 { font-size: 19px; margin-bottom: 14px; }
.risk-box ul { display: grid; gap: 8px; font-size: 15px; color: var(--body); }
.risk-box li { padding-left: 18px; position: relative; }
.risk-box li::before { content: "•"; position: absolute; left: 2px; color: var(--gold); }
.risk-box li b { color: var(--navy); }
.rb-note { margin-top: 16px; padding-top: 14px; border-top: 1px dashed var(--line); font-size: 14.5px; color: var(--navy); }
.act-cta { display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap; background: var(--ivory); border-radius: 20px; padding: 24px 28px; margin-bottom: 16px; }
.act-cta b { display: block; font-family: var(--serif); color: var(--navy); font-size: 19px; }
.act-cta span { font-size: 14px; color: var(--mute); }
.act-btns { display: flex; gap: 10px; flex-wrap: wrap; }
.sources { font-size: 12.5px; color: var(--mute); }
.sources summary { cursor: pointer; font-weight: 700; color: var(--navy-3); padding: 6px 0; }
.sources p { margin-top: 6px; line-height: 1.8; }

/* ---------- services ---------- */
.svc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.svc { background: #fff; border: 1px solid var(--line); border-radius: var(--r); padding: 28px 26px; box-shadow: var(--sh1); transition: transform .25s, box-shadow .25s, border-color .25s; display: flex; flex-direction: column; }
.svc:hover { transform: translateY(-4px); box-shadow: var(--sh2); border-color: var(--gold-l); }
.s-ic { width: 52px; height: 52px; border-radius: 14px; background: var(--ivory); display: grid; place-items: center; font-size: 26px; margin-bottom: 14px; }
.svc h3 { font-size: 21px; margin-bottom: 8px; }
.svc p { color: var(--body); font-size: 15px; }
.svc .more { margin-top: auto; padding-top: 16px; font-size: 14px; font-weight: 700; color: var(--navy-3); }
.process { margin-top: 56px; background: var(--navy); color: #fff; border-radius: 24px; padding: 40px; position: relative; overflow: hidden; }
.process::after { content: ""; position: absolute; right: -120px; top: -120px; width: 360px; height: 360px; border-radius: 50%; border: 1px solid rgba(236,220,176,.18); }
.process h3 { color: #fff; font-size: 23px; text-align: center; margin-bottom: 26px; }
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; counter-reset: s; }
.steps div { padding: 20px 18px; background: rgba(255,255,255,.06); border: 1px solid rgba(236,220,176,.22); border-radius: 16px; }
.steps div::before { counter-increment: s; content: "0" counter(s); font-family: var(--serif); font-size: 28px; color: var(--gold-l); font-weight: 900; display: block; line-height: 1.2; }
.steps b { display: block; margin: 6px 0 4px; font-size: 17px; }
.steps span { font-size: 14px; color: rgba(255,255,255,.75); }

/* ---------- scenarios ---------- */
.sc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.sc { background: var(--ivory); border: 1px solid var(--line); border-radius: var(--r); padding: 24px; transition: transform .25s, box-shadow .25s; }
.sc:hover { transform: translateY(-3px); box-shadow: var(--sh1); }
.sc-who { display: inline-block; font-size: 12.5px; font-weight: 700; color: var(--gold-d); background: #fff; border: 1px solid var(--line); padding: 2px 10px; border-radius: 999px; margin-bottom: 10px; }
.sc h3 { font-size: 18px; margin-bottom: 10px; }
.sc p:not(.sc-who) { font-size: 14.5px; color: var(--body); margin-top: 6px; }
.sc p b { color: var(--navy); }

/* ---------- tools ---------- */
.tabs { display: flex; gap: 6px; justify-content: center; flex-wrap: wrap; margin-bottom: 26px; }
.tabs button { border: 1px solid var(--navy); background: #fff; color: var(--navy); padding: 9px 18px; border-radius: 999px; font-weight: 700; font-size: 14.5px; }
.tabs button.on { background: var(--navy); color: #fff; }
.calc { display: none; grid-template-columns: 1fr 1fr; background: #fff; border-radius: 22px; box-shadow: var(--sh2); overflow: hidden; max-width: 960px; margin: 0 auto; }
.calc.on { display: grid; }
.calc form { padding: 32px; display: grid; gap: 16px; align-content: start; }
.calc h3 { font-size: 22px; }
.yr-tag { font-family: var(--sans); font-size: 12px; font-weight: 700; color: var(--gold-d); background: #faf1dc; padding: 2px 10px; border-radius: 999px; vertical-align: middle; margin-left: 6px; }
.desc { color: var(--mute); font-size: 14px; margin-top: -8px; }
.field { display: grid; gap: 6px; }
.field label { font-size: 14px; font-weight: 700; color: var(--navy); }
.field .in { display: flex; align-items: center; border: 1px solid var(--line-2); border-radius: 12px; overflow: hidden; background: #fbfcfe; }
.field .in:focus-within { border-color: var(--navy-3); box-shadow: 0 0 0 3px rgba(43,74,133,.12); }
.field input, .field select { border: 0; background: transparent; padding: 11px 14px; font: inherit; font-size: 16px; width: 100%; color: var(--text); outline: none; }
.u { padding: 0 14px; color: var(--mute); font-size: 14px; white-space: nowrap; }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.result { background: var(--navy); color: #fff; padding: 32px; display: flex; flex-direction: column; gap: 14px; }
.big { font-family: var(--serif); font-size: 15px; color: rgba(255,255,255,.78); }
.big b { display: block; font-size: clamp(32px, 4.6vw, 44px); color: var(--gold-l); line-height: 1.2; margin-top: 4px; }
.result dl { display: grid; grid-template-columns: 1fr auto; gap: 10px 16px; font-size: 14.5px; border-top: 1px solid rgba(255,255,255,.14); padding-top: 16px; }
.result dt { color: rgba(255,255,255,.72); }
.result dd { text-align: right; font-weight: 700; }
.note { font-size: 12px; color: rgba(255,255,255,.55); margin-top: auto; line-height: 1.6; }
.cta { background: var(--gold); color: var(--navy); text-align: center; padding: 12px; border-radius: 12px; font-weight: 900; transition: background .2s; }
.cta:hover { background: var(--gold-l); }

/* ---------- hib ---------- */
.hib-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 18px; }
.hib-stats div { background: var(--navy); color: rgba(255,255,255,.75); border-radius: var(--r); padding: 20px; text-align: center; font-size: 13.5px; }
.hib-stats b { display: block; font-family: var(--serif); color: var(--gold-l); font-size: clamp(24px, 3vw, 30px); line-height: 1.3; }
.hib-note { text-align: center; color: var(--body); font-size: 14.5px; max-width: 820px; margin: 0 auto 26px; }
.partner-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.partner-grid > div { background: var(--ivory); border: 1px solid var(--line); border-radius: var(--r); padding: 24px 26px; }
.partner-grid h3 { font-size: 19px; margin-bottom: 10px; }
.partner-grid h3 small { font-family: var(--sans); font-size: 13px; color: var(--gold-d); margin-left: 6px; }
.co { color: var(--body); font-size: 15px; line-height: 2; }
.disclaimer { margin-top: 22px; font-size: 12.5px; color: var(--mute); text-align: center; }
.disclaimer a { color: var(--navy-3); text-decoration: underline; }

/* ---------- join ---------- */
.join-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 48px; align-items: start; }
.help-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.help { padding: 20px; border: 1px solid var(--line); border-radius: 16px; background: #fff; }
.help b { display: block; color: var(--navy); font-size: 16.5px; margin-bottom: 4px; }
.help span { font-size: 14px; color: var(--body); }

/* ---------- standards ---------- */
.std-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; counter-reset: st; }
.std { counter-increment: st; background: var(--ivory); border-radius: var(--r); padding: 22px 22px 22px 70px; position: relative; }
.std::before { content: "0" counter(st); position: absolute; left: 20px; top: 20px; width: 36px; height: 36px; border-radius: 50%; background: #fff; border: 1.5px solid var(--gold); display: grid; place-items: center; font-family: var(--serif); font-weight: 900; color: var(--gold-d); font-size: 14px; }
.std b { display: block; font-family: var(--serif); color: var(--navy); font-size: 17.5px; margin-bottom: 4px; }
.std span { font-size: 14px; color: var(--body); }
.std a { color: var(--navy-3); text-decoration: underline; }

/* ---------- faq ---------- */
.faq-list { max-width: 820px; margin: 0 auto; display: none; }
.faq-list.on { display: block; }
.faq-list details { border-bottom: 1px solid var(--line); }
.faq-list summary { list-style: none; cursor: pointer; padding: 18px 40px 18px 4px; font-weight: 700; color: var(--navy); position: relative; font-size: 16.5px; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: 8px; top: 50%; transform: translateY(-50%); font-size: 24px; color: var(--gold); transition: transform .2s; }
.faq-list details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq-list details p { padding: 0 4px 20px; color: var(--body); }

/* ---------- contact ---------- */
.contact-card { display: grid; grid-template-columns: auto 1fr; gap: 40px; align-items: center; background: linear-gradient(135deg, #f1fbf4, #fff 60%); border: 1px solid #d6efdf; border-radius: 28px; padding: 44px; }
.qr { width: 200px; background: #fff; border-radius: 20px; padding: 16px; box-shadow: var(--sh1); text-align: center; font-size: 13px; color: var(--mute); }
.qr img { width: 100%; height: auto; border-radius: 8px; margin-bottom: 8px; }
.contact-card h2 { font-size: clamp(25px, 3.4vw, 34px); margin-bottom: 8px; }
.contact-card > div > p { color: var(--mute); margin-bottom: 20px; }
.ct-btns { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 20px; }
.ct-info { display: grid; grid-template-columns: auto 1fr; gap: 6px 18px; font-size: 15px; }
.ct-info dt { color: var(--mute); }
.ct-info dd { color: var(--navy); font-weight: 500; }
.ct-info a:hover { color: var(--gold-d); }
.map { margin-top: 20px; border-radius: 24px; overflow: hidden; border: 1px solid var(--line); background: #fff; display: grid; grid-template-columns: 1.5fr 1fr; }
.map iframe { width: 100%; height: 100%; min-height: 300px; border: 0; display: block; }
.map-info { padding: 28px; display: flex; flex-direction: column; justify-content: center; gap: 4px; font-size: 14.5px; color: var(--body); }
.map-info b { font-family: var(--serif); color: var(--navy); font-size: 19px; margin-bottom: 4px; }
.map-btns { display: flex; flex-wrap: wrap; gap: 8px; margin: 12px 0 6px; }
.map-btns .pill { padding: 8px 14px; font-size: 13.5px; }
.map-info small { color: var(--mute); font-size: 12.5px; }

/* ---------- footer ---------- */
footer { background: var(--navy); color: rgba(255,255,255,.75); padding: 56px 0 100px; text-align: center; font-size: 14px; }
footer .brand { color: #fff; justify-content: center; font-size: 22px; margin-bottom: 6px; }
footer .brand small { color: var(--gold-l); }
footer nav { display: flex; flex-wrap: wrap; justify-content: center; gap: 4px 18px; margin: 18px 0; }
footer nav a:hover { color: var(--gold-l); }
.legal { max-width: 860px; margin: 24px auto 0; font-size: 12.5px; line-height: 1.85; color: rgba(255,255,255,.6); border-top: 1px solid rgba(255,255,255,.1); padding-top: 22px; display: grid; gap: 4px; }
.legal b { color: var(--gold-l); font-weight: 500; margin-right: 10px; }
.legal a { text-decoration: underline; text-underline-offset: 2px; }
.legal a:hover { color: #fff; }
.warn-t { margin-top: 10px; font-size: 12px; color: rgba(255,255,255,.45); }
.copy { margin-top: 14px; font-size: 12px; opacity: .5; }

/* ---------- fab / lightbox ---------- */
.fab { position: fixed; right: 18px; bottom: 18px; z-index: 40; width: 60px; height: 60px; border-radius: 50%; background: var(--green); color: #fff; display: grid; place-items: center; font-weight: 900; font-size: 13px; box-shadow: 0 10px 24px rgba(6,199,85,.4); transition: transform .2s, opacity .3s; opacity: 0; pointer-events: none; }
.fab.show { opacity: 1; pointer-events: auto; }
.fab:hover { transform: scale(1.06); }
#lb { position: fixed; inset: 0; z-index: 80; background: rgba(10,20,40,.88); display: none; place-items: center; padding: 24px; }
#lb.on { display: grid; }
#lb img { max-height: 86vh; max-width: min(1300px, 100%); border-radius: 12px; box-shadow: var(--sh2); }
#lb .x { position: absolute; top: 18px; right: 18px; background: rgba(255,255,255,.14); color: #fff; border: 0; width: 48px; height: 48px; border-radius: 50%; font-size: 24px; }
#lb .cap { position: absolute; bottom: 18px; left: 0; right: 0; text-align: center; color: #fff; font-size: 14px; }

/* ---------- reveal ---------- */
.js .rv { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.js .rv.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .js .rv { opacity: 1; transform: none; transition: none; } html { scroll-behavior: auto; } }

/* ---------- responsive ---------- */
@media (max-width: 1020px) {
  .nav ul { display: none; }
  .nav.open ul { display: flex; flex-direction: column; position: absolute; top: calc(100% + 8px); left: 0; right: 0; background: #fff; border-radius: 20px; padding: 10px; box-shadow: var(--sh2); }
  .nav.open ul a { padding: 12px 16px; }
  .menu-btn { display: grid; place-items: center; }
  .nav .btn-line { margin-left: auto; }
  .hero-grid, .about-grid, .join-grid { grid-template-columns: 1fr; }
  .portrait { justify-self: center; max-width: 320px; order: -1; margin: 0 14px 12px; }
  .about-side { position: static; max-width: 520px; }
  .trust-row { grid-template-columns: 1fr 1fr; }
  .trust-row div:nth-child(3) { border-left: 0; }
  .worry-grid, .svc-grid, .sc-grid, .std-grid { grid-template-columns: 1fr 1fr; }
  .pillars, .risks, .flow3 { grid-template-columns: 1fr; }
  .act-stats, .hib-stats { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .calc.on { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .sec { padding: 72px 0; }
  .hero { padding-top: 112px; }
  .brand small { display: none; }
  .stats > div { padding: 0 14px; }
  .stats b { font-size: 26px; }
  .entry, .worry-grid, .svc-grid, .sc-grid, .std-grid, .help-grid, .skills, .partner-grid, .row2, .steps { grid-template-columns: 1fr; }
  .portrait .badge { width: 84px; height: 84px; left: -8px; }
  .card-float { right: -6px; }
  .portrait::before { inset: -10px 10px 10px -10px; }
  .trust-row div { flex-direction: column; align-items: flex-start; gap: 4px; padding: 16px 10px; }
  .trust-row b { font-size: 20px; }
  .timeline::before { left: 7px; }
  .timeline li { grid-template-columns: 1fr; gap: 4px; padding-left: 34px; }
  .timeline li::before { left: 0; }
  .when { text-align: left; }
  .process { padding: 32px 20px; }
  .calc form, .result { padding: 24px 20px; }
  .risk-box { padding: 24px 20px; }
  .act-cta { padding: 22px 20px; }
  .contact-card { grid-template-columns: 1fr; padding: 28px 20px; text-align: center; }
  .qr { margin: 0 auto; }
  .ct-btns { justify-content: center; }
  .ct-info { text-align: left; max-width: 340px; margin: 0 auto; }
  .map { grid-template-columns: 1fr; }
  .map iframe { min-height: 240px; }
  .map-info { padding: 22px 20px; }
}
@media (max-width: 420px) {
  .nav { gap: 6px; padding: 8px 6px 8px 16px; }
  .brand { font-size: 17px; }
  .hide-xs { display: none; }
  .nav .btn-line { padding: 8px 12px; font-size: 13px; }
  .nav .btn-line .i { display: none; }
  .stats > div { padding: 0 10px; }
  .stats b { font-size: 22px; }
  .stats > div > span { font-size: 12px; }
}