/* ============================================================
   Calculators — private-desk instruments
   ============================================================ */

.calc-hero {
  min-height: 60vh; display: flex; align-items: flex-end; position: relative;
  overflow: hidden; padding: 160px 0 70px;
}
.calc-hero img {
  position: absolute; inset: -10% 0; width: 100%; height: 120%; object-fit: cover;
  filter: brightness(0.55); transform: scale(1.15);
}
.calc-hero::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(5,8,14,0.6) 0%, rgba(5,8,14,0.25) 45%, rgba(5,8,14,0.97) 100%);
}
.calc-hero .container { position: relative; z-index: 2; }
.calc-hero h1 { font-family: var(--serif); font-weight: 400; font-size: clamp(2.4rem, 5.4vw, 4.6rem); line-height: 1.07; margin-top: 22px; }
.calc-hero h1 em { font-style: italic; color: var(--gold-soft); }
.calc-hero .sub { margin-top: 22px; color: var(--ivory-dim); max-width: 54ch; line-height: 2; font-size: 0.95rem; }

/* ---------- chooser (hub + homepage overlay) ---------- */
.chooser-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; }
.chooser-col { background: var(--navy); border: 1px solid var(--gold-hairline); padding: 44px 38px; }
.chooser-col .label { display: block; }
.chooser-col h3 { font-family: var(--serif); font-weight: 400; font-size: 1.8rem; margin: 16px 0 6px; }
.chooser-col .signed { font-family: var(--serif); font-style: italic; font-size: 0.85rem; color: var(--gold-soft); }
.chooser-links { list-style: none; margin-top: 26px; }
.chooser-links a {
  display: flex; justify-content: space-between; align-items: baseline; gap: 14px;
  padding: 16px 2px; text-decoration: none;
  border-bottom: 1px solid rgba(243, 239, 230, 0.08);
  transition: padding-left 0.35s ease;
}
.chooser-links a:hover { padding-left: 10px; }
.chooser-links .cname { font-family: var(--serif); font-size: 1.12rem; color: var(--ivory); }
.chooser-links .arrow { color: var(--gold); font-size: 0.8rem; flex-shrink: 0; }

/* ---------- entry overlay (homepage) ---------- */
.entry-overlay {
  position: fixed; inset: 0; z-index: 400;
  background: rgba(5, 8, 14, 0.92); backdrop-filter: blur(10px);
  display: flex; align-items: center; justify-content: center; padding: 24px;
  opacity: 0; pointer-events: none; transition: opacity 0.6s ease;
}
.entry-overlay.show { opacity: 1; pointer-events: auto; }
.entry-panel {
  max-width: 760px; width: 100%; background: var(--navy);
  border: 1px solid var(--gold-faint); padding: 56px 60px; text-align: center;
  position: relative;
}
.entry-panel h2 { font-family: var(--serif); font-weight: 400; font-size: clamp(1.6rem, 3.4vw, 2.4rem); }
.entry-panel h2 em { font-style: italic; color: var(--gold-soft); }
.entry-panel p { color: var(--muted); margin-top: 14px; font-size: 0.9rem; }
.entry-actions { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 36px; }
.entry-actions .btn { padding: 16px 10px; letter-spacing: 0.22em; font-size: 0.66rem; }
.entry-skip {
  display: inline-block; margin-top: 28px; background: none; border: none; cursor: pointer;
  color: var(--muted); font-family: var(--serif); font-style: italic; font-size: 1rem;
  border-bottom: 1px solid transparent; transition: color 0.3s;
}
.entry-skip:hover { color: var(--ivory); border-bottom-color: var(--gold-faint); }

/* ---------- calculator tabs ---------- */
.calc-tabs { display: flex; gap: 2px; flex-wrap: wrap; border-bottom: 1px solid var(--gold-hairline); }
.calc-tab {
  background: transparent; border: none; cursor: pointer;
  font-family: var(--sans); font-size: 0.7rem; font-weight: 500;
  letter-spacing: 0.26em; text-transform: uppercase; color: var(--muted);
  padding: 20px 26px; position: relative; transition: color 0.3s;
}
.calc-tab::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 2px;
  background: var(--gold); transform: scaleX(0); transition: transform 0.4s cubic-bezier(.16,.84,.3,1);
}
.calc-tab:hover { color: var(--ivory); }
.calc-tab.active { color: var(--gold-soft); }
.calc-tab.active::after { transform: scaleX(1); }

.calc-panel { display: none; padding-top: 56px; }
.calc-panel.active { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: start; }

.calc-form .field { margin-bottom: 30px; }
.calc-note { font-size: 0.74rem; color: var(--muted); line-height: 1.9; margin-top: 18px; }
.calc-note em { color: var(--gold-soft); }

/* ---------- results ---------- */
.result-card {
  border: 1px solid var(--gold-faint); background: rgba(13, 23, 40, 0.75);
  padding: 40px 42px; position: sticky; top: 110px;
}
.result-card .rc-head { font-size: 0.64rem; letter-spacing: 0.36em; text-transform: uppercase; color: var(--gold); }
.result-empty { font-family: var(--serif); font-style: italic; color: var(--muted); font-size: 1.1rem; margin-top: 22px; line-height: 1.8; }
.result-rows { list-style: none; margin-top: 14px; }
.result-rows li {
  display: flex; justify-content: space-between; align-items: baseline; gap: 18px;
  padding: 15px 0; border-bottom: 1px solid rgba(243, 239, 230, 0.08);
}
.result-rows .k { color: var(--ivory-dim); font-size: 0.86rem; }
.result-rows .v { font-family: var(--serif); font-size: 1.25rem; color: var(--ivory); white-space: nowrap; }
.result-rows li.headline { border-bottom-color: var(--gold-faint); }
.result-rows li.headline .k { color: var(--gold-soft); }
.result-rows li.headline .v { font-size: 1.9rem; color: var(--gold-soft); }
.result-actions { margin-top: 30px; }
.result-actions .btn { width: 100%; text-align: center; }
.result-disclaimer { font-size: 0.66rem; color: var(--muted); line-height: 1.8; margin-top: 18px; }

/* ---------- lead gate modal ---------- */
.gate {
  position: fixed; inset: 0; z-index: 500; display: none;
  align-items: center; justify-content: center; padding: 24px;
  background: rgba(5, 8, 14, 0.9); backdrop-filter: blur(8px);
}
.gate.show { display: flex; }
.gate-panel {
  max-width: 520px; width: 100%; background: var(--navy);
  border: 1px solid var(--gold-faint); padding: 48px 52px; position: relative;
}
.gate-panel h3 { font-family: var(--serif); font-weight: 400; font-size: 1.7rem; }
.gate-panel .gp-sub { color: var(--muted); font-size: 0.85rem; margin: 12px 0 30px; line-height: 1.9; }
.gate-close {
  position: absolute; top: 18px; right: 22px; background: none; border: none;
  color: var(--muted); font-size: 1.3rem; cursor: pointer; line-height: 1;
}
.gate-close:hover { color: var(--ivory); }
.gate .form-msg { font-size: 0.95rem; }

/* ---------- FAQ ---------- */
.faq-wrap { max-width: 860px; margin: 0 auto; }
.faq {
  border-bottom: 1px solid rgba(243, 239, 230, 0.1);
}
.faq summary {
  cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 24px;
  align-items: baseline; padding: 26px 4px;
  font-family: var(--serif); font-size: 1.25rem; color: var(--ivory);
  transition: color 0.3s;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary:hover { color: var(--gold-soft); }
.faq summary .ind { color: var(--gold); font-size: 1rem; flex-shrink: 0; transition: transform 0.4s ease; }
.faq[open] summary .ind { transform: rotate(45deg); }
.faq .ans { color: var(--ivory-dim); font-size: 0.92rem; line-height: 2; padding: 0 4px 28px; max-width: 72ch; }
.faq .ans em { color: var(--gold-soft); }

@media (max-width: 1020px) {
  .chooser-grid { grid-template-columns: 1fr; }
  .calc-panel.active { grid-template-columns: 1fr; gap: 44px; }
  .result-card { position: static; }
  .entry-actions { grid-template-columns: 1fr; }
  .entry-panel { padding: 40px 28px; }
}