/* The Valenti Collection
   Layout concept: a private-bank ledger. Ivory paper, deep navy bands, brass rules,
   serif headlines set large, numbers set in tabular figures. */
:root{
  --navy:#13213b; --navy-2:#1c2e4f; --brass:#a9844c; --brass-soft:#d9c29a;
  --paper:#f6f6f3; --surface:#ffffff; --ink:#18202c; --muted:#5b6474; --line:#dcdcd5;
  --ok:#2e7d55; --warn:#a15c12;
  --on-navy:#f3efe6; --on-navy-muted:#b9c0cf;
  --display:"Cormorant Garamond","Iowan Old Style","Palatino Linotype",Georgia,serif;
  --body:"Manrope","Segoe UI",system-ui,-apple-system,sans-serif;
  --radius:4px; --max:1180px; --shadow:0 18px 40px -24px rgba(19,33,59,.35);
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --paper:#0f1626; --surface:#162038; --ink:#ece8df; --muted:#a3abbb; --line:#2a3655;
  --navy:#0a1120; --navy-2:#142140; --brass:#c9a46a; --brass-soft:#7d6440; color-scheme:dark}}
:root[data-theme="dark"]{--paper:#0f1626; --surface:#162038; --ink:#ece8df; --muted:#a3abbb; --line:#2a3655;
  --navy:#0a1120; --navy-2:#142140; --brass:#c9a46a; --brass-soft:#7d6440; color-scheme:dark}

*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;overflow-x:clip}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.65 var(--body);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:2px solid var(--brass);outline-offset:3px}
h1,h2,h3{font-family:var(--display);font-weight:500;line-height:1.08;letter-spacing:-.01em;text-wrap:balance;margin:0}
h1{font-size:clamp(2.6rem,6vw,4.9rem)}
h2{font-size:clamp(2rem,3.8vw,3.1rem)}
h3{font-size:1.55rem}
p{margin:0}
.wrap{max-width:var(--max);margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.prose{max-width:68ch}
.prose p+p,.prose p+ul,.prose ul+p{margin-top:1em}
.prose h2{margin:2.2rem 0 .8rem}
.prose h3{margin:1.8rem 0 .5rem}
.prose ul,.prose ol{padding-left:1.2em}
.prose li{margin:.35em 0}
.eyebrow{font:600 .74rem/1 var(--body);letter-spacing:.2em;text-transform:uppercase;color:var(--brass)}
.lede{font-size:1.18rem;color:var(--muted);max-width:60ch}
.muted{color:var(--muted)}
.small{font-size:.86rem}
.num{font-variant-numeric:tabular-nums}
.stack{display:flex;flex-direction:column;gap:1rem}
.rule{height:1px;background:var(--line);border:0;margin:0}
.brass-rule{width:56px;height:2px;background:var(--brass);border:0;margin:0}

/* Header */
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:60;background:var(--navy)}
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:var(--navy);color:var(--on-navy)}
.site-header .wrap{display:flex;align-items:center;gap:1.4rem;min-height:72px}
.brand{display:flex;align-items:center;gap:.75rem;text-decoration:none;flex-shrink:0}
.brand svg{width:40px;height:40px}
.brand-name{font:500 1.35rem/1 var(--display);letter-spacing:.02em}
.brand-sub{display:block;font:600 .62rem/1 var(--body);letter-spacing:.22em;text-transform:uppercase;color:var(--brass-soft);margin-top:5px}
.nav{display:flex;gap:1.15rem;margin-left:auto;align-items:center}
.nav a{text-decoration:none;font-size:.88rem;font-weight:600;color:var(--on-navy-muted);white-space:nowrap}
.nav a:hover,.nav a[aria-current="page"]{color:var(--on-navy)}
.nav a[aria-current="page"]{box-shadow:inset 0 -2px 0 var(--brass)}
.header-call{text-decoration:none;font-weight:700;font-size:.88rem;border:1px solid var(--brass);color:var(--on-navy);padding:.55rem .9rem;border-radius:var(--radius);white-space:nowrap}
.header-call:hover{background:var(--brass);color:var(--navy)}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--on-navy-muted);color:var(--on-navy);border-radius:var(--radius);padding:.45rem .7rem;font:600 .85rem var(--body)}
@media (max-width:1080px){
  .menu-btn{display:block}
  .header-call{display:none}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);flex-direction:column;align-items:stretch;gap:0;padding:.5rem max(20px,env(safe-area-inset-left,0px)) 1.2rem;border-top:1px solid var(--navy-2)}
  .nav.open{display:flex}
  .nav a{padding:.8rem 0;border-bottom:1px solid var(--navy-2);font-size:1rem}
  .nav a[aria-current="page"]{box-shadow:none;color:var(--brass-soft)}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:700 .95rem/1 var(--body);padding:1rem 1.4rem;border-radius:var(--radius);border:1px solid transparent;cursor:pointer;text-decoration:none;transition:background .2s,color .2s,border-color .2s}
.btn-brass{background:var(--brass);color:#14130f}
.btn-brass:hover{background:var(--brass-soft)}
.btn-navy{background:var(--navy);color:var(--on-navy)}
.btn-navy:hover{background:var(--navy-2)}
.btn-ghost{background:transparent;border-color:currentColor;color:inherit}
.btn-row{display:flex;flex-wrap:wrap;gap:.75rem}
.btn[disabled]{opacity:.6;cursor:wait}

/* Hero */
.hero{background:var(--navy);color:var(--on-navy);position:relative;overflow:hidden}
.hero .wrap{padding-block:clamp(3.5rem,8vw,6.5rem);display:grid;grid-template-columns:1.25fr .9fr;gap:3rem;align-items:end;position:relative;z-index:1}
.hero h1 em{font-style:italic;color:var(--brass-soft)}
.hero .lede{color:var(--on-navy-muted);margin-top:1.4rem}
.hero .btn-row{margin-top:2rem}
.hero-mark{position:absolute;right:-6vw;top:50%;transform:translateY(-50%);width:min(620px,70vw);opacity:.07;pointer-events:none}
.page-hero{background:var(--navy);color:var(--on-navy)}
.page-hero .wrap{padding-block:clamp(2.8rem,6vw,4.6rem)}
.page-hero .lede{color:var(--on-navy-muted);margin-top:1rem}
.crumbs{font-size:.8rem;color:var(--on-navy-muted);margin-bottom:1.2rem}
.crumbs a{color:var(--on-navy-muted)}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr;align-items:start}}

/* Quick search inside hero */
.quick{background:var(--surface);color:var(--ink);border-radius:var(--radius);padding:1.4rem;box-shadow:var(--shadow);border-top:3px solid var(--brass)}
.tabs{display:flex;gap:0;border-bottom:1px solid var(--line);margin-bottom:1.1rem}
.tab{background:none;border:0;font:700 .85rem var(--body);padding:.7rem .9rem;color:var(--muted);cursor:pointer;border-bottom:2px solid transparent;margin-bottom:-1px}
.tab[aria-selected="true"]{color:var(--ink);border-color:var(--brass)}

/* Sections */
.section{padding-block:clamp(3.5rem,7vw,6rem)}
.section-tight{padding-block:clamp(2.5rem,5vw,3.5rem)}
.section-head{display:flex;flex-direction:column;gap:.9rem;margin-bottom:2.5rem;max-width:60ch}
.band{background:var(--navy);color:var(--on-navy)}
.band .muted,.band .lede{color:var(--on-navy-muted)}
.band-surface{background:var(--surface)}

/* Ledger stats */
.ledger{display:grid;grid-template-columns:repeat(4,1fr);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.ledger div{padding:1.6rem 1.2rem;border-left:1px solid var(--line)}
.ledger div:first-child{border-left:0}
.ledger strong{display:block;font:500 clamp(2rem,3.4vw,2.8rem)/1 var(--display);font-variant-numeric:lining-nums tabular-nums}
.ledger span{display:block;margin-top:.55rem;font-size:.82rem;color:var(--muted);letter-spacing:.02em}
.band .ledger{border-color:var(--navy-2)}
.band .ledger div{border-color:var(--navy-2)}
.band .ledger span{color:var(--on-navy-muted)}
@media (max-width:760px){.ledger{grid-template-columns:repeat(2,1fr)}.ledger div:nth-child(3){border-left:0}.ledger div:nth-child(n+3){border-top:1px solid var(--line)}}

/* Grids & cards */
.grid{display:grid;gap:1.5rem}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:900px){.g3,.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;display:flex;flex-direction:column;gap:.75rem;min-width:0}
.card h3{font-size:1.45rem}
.card .more{margin-top:auto;font-weight:700;font-size:.9rem;color:var(--brass);text-decoration:none}
.card .more:hover{text-decoration:underline}
a.card{text-decoration:none;transition:border-color .2s,transform .2s}
a.card:hover{border-color:var(--brass);transform:translateY(-2px)}
.feature{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4.5rem);align-items:center}
@media (max-width:860px){.feature{grid-template-columns:1fr}}
.split{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:3rem;align-items:start}
@media (max-width:960px){.split{grid-template-columns:1fr}}
.sticky-aside{position:sticky;top:96px}

/* Steps (real sequences only) */
.steps{list-style:none;padding:0;margin:0;display:grid;gap:0;counter-reset:s}
.steps li{display:grid;grid-template-columns:64px 1fr;gap:1.2rem;padding:1.4rem 0;border-top:1px solid var(--line);counter-increment:s}
.steps li::before{content:counter(s,decimal-leading-zero);font:500 1.9rem/1 var(--display);color:var(--brass)}
.steps h3{font-size:1.35rem;margin-bottom:.35rem}

/* Town index */
.town-index{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0 2.5rem}
.town-index a{display:flex;justify-content:space-between;gap:1rem;padding:1rem 0;border-bottom:1px solid var(--line);text-decoration:none;font:500 1.35rem/1.2 var(--display)}
.town-index a span{font:600 .72rem/1.9 var(--body);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);white-space:nowrap}
.town-index a:hover{color:var(--brass)}
.band .town-index a{border-color:var(--navy-2)}
.band .town-index a span{color:var(--on-navy-muted)}
@media (max-width:860px){.town-index{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:560px){.town-index{grid-template-columns:1fr}}

/* Reviews */
.review{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;display:flex;flex-direction:column;gap:1rem;min-width:0}
.review blockquote{margin:0;font:500 1.35rem/1.35 var(--display)}
.review footer{margin-top:auto;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;font-size:.85rem;color:var(--muted)}
.stars{color:var(--brass);letter-spacing:.12em;font-size:.95rem}
.verified{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ok)}
.score{display:flex;align-items:baseline;gap:1rem;flex-wrap:wrap}
.score strong{font:500 4.2rem/1 var(--display)}

/* Forms */
form{margin:0}
.field{display:flex;flex-direction:column;gap:.35rem;min-width:0}
.field label{font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
input,select,textarea{font:500 1rem var(--body);color:var(--ink);background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:.85rem .9rem;width:100%;min-width:0}
textarea{min-height:110px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--brass);outline:none;box-shadow:0 0 0 3px color-mix(in srgb,var(--brass) 25%,transparent)}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1rem}
.form-grid .full{grid-column:1/-1}
@media (max-width:560px){.form-grid{grid-template-columns:1fr}}
.consent{font-size:.74rem;line-height:1.5;color:var(--muted)}
.form-msg{font-weight:600;font-size:.92rem}
.form-msg.ok{color:var(--ok)}
.form-msg.err{color:var(--warn)}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(1.3rem,3vw,2rem);box-shadow:var(--shadow)}
.panel-brass{border-top:3px solid var(--brass)}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}

/* Calculator */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:2rem;align-items:start}
@media (max-width:900px){.calc{grid-template-columns:1fr}}
.range-row{display:flex;align-items:center;gap:.8rem}
.range-row input[type=range]{padding:0;border:0;accent-color:var(--brass);background:none}
.range-row output{min-width:4.5ch;text-align:right;font-weight:700}
.payment{font:500 clamp(3rem,6vw,4.4rem)/1 var(--display);font-variant-numeric:lining-nums tabular-nums}
.breakdown{list-style:none;padding:0;margin:0}
.breakdown li{display:flex;justify-content:space-between;gap:1rem;padding:.65rem 0;border-bottom:1px solid var(--line);font-variant-numeric:tabular-nums}
.breakdown i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:.55rem;vertical-align:middle}
.donut{width:180px;height:180px;flex-shrink:0}
.donut-row{display:flex;gap:1.5rem;align-items:center;flex-wrap:wrap}
.amort{overflow-x:auto;max-height:420px;border:1px solid var(--line);border-radius:var(--radius)}
table{border-collapse:collapse;width:100%;font-size:.88rem;font-variant-numeric:tabular-nums}
th,td{text-align:right;padding:.55rem .8rem;border-bottom:1px solid var(--line);white-space:nowrap}
th:first-child,td:first-child{text-align:left}
thead th{position:sticky;top:0;background:var(--surface);font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.locked{position:relative}
.locked .blur{filter:blur(5px);pointer-events:none;user-select:none}
.locked .unlock{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;padding:1rem}

/* Stepper (home value) */
.stepper{display:flex;gap:.5rem;margin-bottom:1.4rem}
.stepper span{flex:1;height:3px;background:var(--line);border-radius:2px}
.stepper span.on{background:var(--brass)}
.choice-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(130px,1fr));gap:.6rem}
.choice{position:relative}
.choice input{position:absolute;opacity:0}
.choice span{display:block;border:1px solid var(--line);border-radius:var(--radius);padding:.85rem;text-align:center;font-weight:600;cursor:pointer;background:var(--surface)}
.choice input:checked+span{border-color:var(--brass);box-shadow:inset 0 0 0 1px var(--brass)}
.choice input:focus-visible+span{outline:2px solid var(--brass);outline-offset:2px}

/* FAQ */
.faq details{border-bottom:1px solid var(--line);padding:1.1rem 0}
.faq summary{cursor:pointer;font:500 1.3rem/1.3 var(--display);list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq summary::after{content:"+";color:var(--brass);font-family:var(--body);font-weight:400}
.faq details[open] summary::after{content:"\2013"}
.faq details p{margin-top:.7rem;color:var(--muted);max-width:70ch}

/* Callout */
.callout{border-left:3px solid var(--brass);background:var(--surface);padding:1.1rem 1.3rem;border-radius:0 var(--radius) var(--radius) 0}
.tag{display:inline-block;font:700 .7rem/1 var(--body);letter-spacing:.12em;text-transform:uppercase;padding:.4rem .55rem;border:1px solid var(--line);border-radius:2px;color:var(--muted)}
.portrait{aspect-ratio:4/5;max-width:min(100%,440px);width:100%;justify-self:center;background:var(--navy-2);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;overflow:hidden;border:1px solid var(--line)}
.portrait svg{width:45%;opacity:.85}
.portrait img{width:100%;height:100%;object-fit:cover}

/* Modal + slide-in */
.modal{position:fixed;inset:0;z-index:100;display:flex;align-items:center;justify-content:center;padding:1rem;background:rgba(10,16,30,.62)}
.modal .panel{max-width:520px;width:100%;max-height:calc(100% - 2rem);overflow:auto;position:relative}
.modal-close{position:absolute;top:.6rem;right:.6rem;background:none;border:0;font-size:1.6rem;line-height:1;color:var(--muted);cursor:pointer;padding:.4rem}
.nudge{position:fixed;z-index:90;right:calc(16px + env(safe-area-inset-right,0px));bottom:calc(16px + env(safe-area-inset-bottom,0px));max-width:360px;width:calc(100% - 32px)}
.nudge .panel{padding:1.3rem}

/* Footer */
.site-footer{background:var(--navy);color:var(--on-navy-muted);font-size:.88rem}
.site-footer .wrap{padding-block:3.5rem 2rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}
.site-footer h4{color:var(--on-navy);font:600 .74rem/1 var(--body);letter-spacing:.18em;text-transform:uppercase;margin:0 0 1rem}
.site-footer ul{list-style:none;margin:0;padding:0;display:grid;gap:.5rem}
.site-footer a{text-decoration:none}
.site-footer a:hover{color:var(--on-navy)}
.legal{border-top:1px solid var(--navy-2);margin-top:2.5rem;padding-top:1.5rem;display:flex;flex-wrap:wrap;gap:1rem 2rem;justify-content:space-between;font-size:.78rem}
.eho{display:inline-flex;align-items:center;gap:.4rem}
.newsletter{display:flex;gap:.5rem;margin-top:1rem;flex-wrap:wrap}
.newsletter input{flex:1 1 180px;background:var(--navy-2);border-color:var(--navy-2);color:var(--on-navy)}
.newsletter input::placeholder{color:var(--on-navy-muted)}
.preview-bar{background:var(--brass);color:#14130f;font-size:.8rem;font-weight:600;text-align:center;padding:.45rem 1rem}
.preview-bar a{color:inherit}