/* ================================================================
   Expert4Expats — Central Stylesheet
   Client: Till Deimann · W&P Die Wirtschaftsplaner GmbH, Berlin
   Static site · no build step · Vercel-ready
   Fonts: Fraunces (headlines 500/600) · Inter (body 400/500/600)
   ================================================================ */

/* ---- Reset ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { min-height: 100%; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font: inherit; color: inherit; }
address { font-style: normal; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 2px; }

/* ---- Design Tokens ---- */
:root {
  /* Colours */
  --green-950: #0C2B1F;   /* dark section background */
  --green-800: #14532D;
  --green-600: #2E7D4F;
  --cream:     #FAF7F0;   /* light section background */
  --gold:      #C9A24B;   /* accent: badges, lines, hover details */
  --white:     #FFFFFF;
  --ink:       #1A1E1B;   /* text on light */

  /* Derived */
  --cream-dim:  #EFEAdf;
  --ink-soft:   #4B534E;
  --cream-soft: rgba(250, 247, 240, 0.72);
  --gold-soft:  rgba(201, 162, 75, 0.14);
  --line-light: rgba(26, 30, 27, 0.10);
  --line-dark:  rgba(250, 247, 240, 0.14);

  /* Layout */
  --max-w: 1200px;
  --header-h: 74px;
  --radius: 16px;
  --radius-sm: 10px;
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
  --shadow-hover: 0 18px 40px -18px rgba(12, 43, 31, 0.35);
}

/* ---- Base ---- */
body {
  background-color: var(--cream);
  color: var(--ink);
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 1rem;
  line-height: 1.7;
  font-weight: 400;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

.container {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: clamp(1.25rem, 5vw, 2.5rem);
}

/* ---- Typography ---- */
h1, h2, h3, h4 {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 500;
  line-height: 1.12;
  letter-spacing: -0.02em;
}
h1 { font-size: clamp(2.4rem, 5vw, 4rem); font-weight: 600; }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.9rem); }
h3 { font-size: clamp(1.2rem, 1.6vw, 1.4rem); font-weight: 600; }

p { text-wrap: pretty; }

.eyebrow {
  font-family: 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  margin-bottom: 1rem;
}
.eyebrow::before {
  content: "";
  width: 1.8rem;
  height: 1px;
  background: var(--gold);
  display: inline-block;
}

/* ---- Section rhythm ---- */
.section { padding-block: clamp(4rem, 9vw, 7.5rem); }
.section-dark  { background: var(--green-950); color: var(--cream); }
.section-light { background: var(--cream);     color: var(--ink); }

.section-head { max-width: 46rem; margin-bottom: clamp(2.5rem, 5vw, 3.75rem); }
.section-head h2 { margin-bottom: 0.85rem; }
.section-head p { color: var(--ink-soft); font-size: 1.05rem; }
.section-dark .section-head p { color: var(--cream-soft); }

/* ---- Buttons ---- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  padding: 0.9rem 1.7rem;
  border-radius: 999px;
  font-family: 'Inter', sans-serif;
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  border: 1.5px solid transparent;
  transition: transform 0.25s var(--ease), background-color 0.25s var(--ease),
              color 0.25s var(--ease), border-color 0.25s var(--ease), box-shadow 0.25s var(--ease);
  will-change: transform;
}
.btn:hover { transform: translateY(-2px); }
.btn svg { width: 18px; height: 18px; }

.btn-primary {
  background: var(--gold);
  color: var(--green-950);
  box-shadow: 0 10px 24px -12px rgba(201, 162, 75, 0.8);
}
.btn-primary:hover { background: #d8b258; box-shadow: 0 16px 30px -12px rgba(201, 162, 75, 0.9); }

/* Outline for dark backgrounds (creme) */
.btn-outline {
  background: transparent;
  color: var(--cream);
  border-color: var(--line-dark);
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold); }

/* Outline for light backgrounds (green) */
.btn-outline-green {
  background: transparent;
  color: var(--green-950);
  border-color: rgba(12, 43, 31, 0.25);
}
.btn-outline-green:hover { border-color: var(--green-950); background: var(--green-950); color: var(--cream); }

/* ---- Text link ---- */
.text-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--green-600);
  transition: gap 0.25s var(--ease), color 0.25s var(--ease);
}
.section-dark .text-link { color: var(--gold); }
.text-link svg { width: 16px; height: 16px; transition: transform 0.25s var(--ease); }
.text-link:hover { gap: 0.65rem; }
.text-link:hover svg { transform: translateX(3px); }

/* ---- Reveal animation ---- */
[data-reveal] {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 0.55s var(--ease), transform 0.55s var(--ease);
}
[data-reveal].revealed { opacity: 1; transform: none; }
[data-delay="1"] { transition-delay: 0.08s; }
[data-delay="2"] { transition-delay: 0.16s; }
[data-delay="3"] { transition-delay: 0.24s; }
[data-delay="4"] { transition-delay: 0.32s; }
[data-delay="5"] { transition-delay: 0.40s; }
[data-delay="6"] { transition-delay: 0.48s; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  [data-reveal] { opacity: 1; transform: none; transition: none; }
  .btn:hover { transform: none; }
}

/* ================================================================
   HEADER
   ================================================================ */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  height: var(--header-h);
  display: flex;
  align-items: center;
  background: transparent;
  transition: background-color 0.35s var(--ease), box-shadow 0.35s var(--ease), border-color 0.35s var(--ease);
  border-bottom: 1px solid transparent;
}
.site-header.scrolled {
  background: rgba(12, 43, 31, 0.82);
  -webkit-backdrop-filter: blur(14px);
  backdrop-filter: blur(14px);
  border-bottom-color: rgba(201, 162, 75, 0.35);
}
.header-inner {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: clamp(1.25rem, 5vw, 2.5rem);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}

/* Logo wordmark */
.logo {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 600;
  font-size: 1.35rem;
  letter-spacing: -0.02em;
  line-height: 1;
  flex-shrink: 0;
}
.logo .cream { color: var(--cream); }
.logo .gold  { color: var(--gold); }

/* Nav */
.nav { display: flex; align-items: center; gap: 0.35rem; }
.nav a:not(.btn) {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--cream);
  padding: 0.5rem 0.85rem;
  border-radius: 999px;
  transition: color 0.2s var(--ease), background-color 0.2s var(--ease);
}
.nav a:not(.btn):hover { color: var(--gold); background: rgba(250, 247, 240, 0.06); }
.nav .btn { margin-left: 0.6rem; padding: 0.6rem 1.3rem; font-size: 0.85rem; }

/* Burger */
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 10px;
}
.nav-toggle span {
  display: block;
  height: 2px;
  width: 100%;
  background: var(--cream);
  border-radius: 2px;
  transition: transform 0.3s var(--ease), opacity 0.2s var(--ease);
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ================================================================
   HERO
   ================================================================ */
.hero {
  position: relative;
  display: flex;
  align-items: center;
  min-height: 100vh;
  min-height: 100svh;
  background: var(--green-950); /* fallback while video/poster loads */
  color: var(--cream);
  padding-top: calc(var(--header-h) + clamp(2rem, 5vw, 4rem));
  padding-bottom: clamp(3rem, 7vw, 5.5rem);
  overflow: hidden;
}
.hero-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
}
.hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  pointer-events: none;
  background:
    radial-gradient(ellipse 80% 70% at 50% 45%, rgba(12, 43, 31, 0.30), transparent 70%),
    linear-gradient(180deg, rgba(12, 43, 31, 0.62) 0%, rgba(12, 43, 31, 0.48) 38%, rgba(12, 43, 31, 0.58) 72%, var(--green-950) 100%);
}
.hero .container { position: relative; z-index: 2; }
.hero-content {
  max-width: 68rem;
  margin-inline: auto;
  text-align: center;
}
.hero-content h1 {
  font-size: clamp(2.2rem, 5.6vw, 4.7rem);
  margin-bottom: 1.6rem;
  text-wrap: balance;
}
.hero-content h1 br { display: none; }
@media (min-width: 720px) { .hero-content h1 br { display: inline; } }
.hero-content .hero-sub {
  font-size: clamp(1.1rem, 1.9vw, 1.6rem);
  color: var(--cream-soft);
  max-width: 40rem;
  margin: 0 auto 2.4rem;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; }

/* ================================================================
   PARTNER LOGO BAR
   ================================================================ */
.partners { background: var(--cream); padding-block: clamp(2.5rem, 5vw, 3.5rem); border-bottom: 1px solid var(--line-light); }
.partners-label {
  text-align: center;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 2rem;
}
/* Marquee slideshow — logos scroll continuously and loop seamlessly.
   The track is duplicated by JS so any number of logos loops without a gap. */
.marquee {
  position: relative;
  overflow: hidden;
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
          mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.marquee-track {
  display: flex;
  align-items: center;
  gap: clamp(2.5rem, 6vw, 5rem);
  width: max-content;
  padding-inline: clamp(1.25rem, 3vw, 2.5rem);
  animation: marquee-scroll 40s linear infinite;
}
.marquee:hover .marquee-track { animation-play-state: paused; }
@keyframes marquee-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
.partner-logo {
  height: 34px;
  width: auto;
  flex-shrink: 0;
  filter: grayscale(1);
  opacity: 0.55;
  transition: filter 0.3s var(--ease), opacity 0.3s var(--ease);
}
.partner-logo:hover { filter: grayscale(0); opacity: 1; }
.partner-word {
  flex-shrink: 0;
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 600;
  font-size: 1.4rem;
  letter-spacing: -0.01em;
  color: var(--ink);
  opacity: 0.45;
  transition: opacity 0.3s var(--ease), color 0.3s var(--ease);
}
.partner-word:hover { opacity: 1; color: var(--green-800); }

@media (prefers-reduced-motion: reduce) {
  .marquee { -webkit-mask-image: none; mask-image: none; }
  .marquee-track {
    animation: none;
    width: auto;
    flex-wrap: wrap;
    justify-content: center;
    gap: clamp(1.75rem, 4vw, 3.25rem);
  }
}

/* ================================================================
   FUTURE — "The future is calling" (short: headline + CTA + animated art)
   ================================================================ */
.future-grid {
  display: grid;
  grid-template-columns: 1.12fr 0.88fr;
  gap: clamp(2.5rem, 5vw, 4.5rem);
  align-items: stretch;
}
.future-text { align-self: center; }
.future-sec { padding-top: clamp(1.25rem, 3vw, 2.25rem); padding-bottom: clamp(2.5rem, 6vw, 5rem); }
.future-title {
  font-family: 'Inter', system-ui, sans-serif;
  font-size: clamp(2.9rem, 8.5vw, 7.6rem);
  line-height: 1.62;
  text-transform: uppercase;
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--green-950);
  margin-bottom: 1.6rem;
}
/* stacked lines, same size */
.future-title span { display: block; }
/* oversized gold "Is" that butts up against the lines above and below */
.future-title .future-is {
  color: var(--gold);
  font-size: 1.5em;
  line-height: 0.9;
  margin: -0.12em 0;
}
.future-sub {
  font-size: clamp(1.05rem, 1.6vw, 1.35rem);
  font-weight: 600;
  color: var(--ink-soft);
  max-width: 28rem;
  margin-bottom: 0;
}

/* CTA row: big gold button flanked by gold rules */
.future-cta {
  display: flex;
  align-items: center;
  gap: clamp(1.25rem, 4vw, 3rem);
  margin-top: clamp(2.75rem, 6vw, 4.5rem);
}
.future-cta-line {
  flex: 1;
  height: 2px;
  border-radius: 2px;
  background: linear-gradient(90deg, transparent, rgba(201,162,75,0.6) 45%, rgba(201,162,75,0.6));
}
.future-cta-line:last-child {
  background: linear-gradient(90deg, rgba(201,162,75,0.6), rgba(201,162,75,0.6) 55%, transparent);
}
.future-cta-btn {
  flex-shrink: 0;
  font-size: clamp(1.05rem, 1.7vw, 1.35rem);
  padding: 1.15rem 3rem;
  border-radius: 999px;
}

/* --- Full-height advisor photo with a floating finance card --- */
.future-visual {
  position: relative;
  height: 100%;
  min-height: 24rem;
  display: grid;
  place-items: center;
}

/* Incoming-call phone mockup */
.phone {
  position: relative;
  width: min(272px, 80%);
  aspect-ratio: 272 / 560;
  background: #081712;
  border-radius: 43px;
  padding: 10px;
  border: 1px solid rgba(201,162,75,0.4);
  box-shadow: 0 40px 80px -34px rgba(0,0,0,0.75), inset 0 0 0 2px rgba(255,255,255,0.04);
  animation: phone-buzz 2s ease-in-out infinite;
  will-change: transform;
}
.phone-notch {
  position: absolute; top: 18px; left: 50%; transform: translateX(-50%);
  width: 88px; height: 20px; background: #081712; border-radius: 999px; z-index: 3;
}
.phone-screen {
  position: relative; width: 100%; height: 100%;
  border-radius: 34px; overflow: hidden; background: #000;
}
.fv-photo {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: 52% 26%;
  display: block;
}
.phone-screen::before {
  content: ""; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(180deg, rgba(0,0,0,0.6) 0%, rgba(0,0,0,0.08) 28%, rgba(0,0,0,0.08) 52%, rgba(0,0,0,0.82) 100%);
}
.phone-caller {
  position: absolute; top: 44px; left: 0; right: 0; z-index: 2; text-align: center; color: #fff;
  padding: 0 12px;
}
.phone-status { font-size: 0.78rem; color: rgba(255,255,255,0.82); letter-spacing: 0.02em; }
.phone-name { font-family: 'Fraunces', Georgia, serif; font-size: 1.5rem; font-weight: 600; margin-top: 3px; line-height: 1.1; }
.phone-sub { font-size: 0.82rem; color: rgba(255,255,255,0.72); margin-top: 2px; }
.phone-actions {
  position: absolute; bottom: 24px; left: 0; right: 0; z-index: 2;
  display: flex; justify-content: space-around; align-items: end; padding: 0 16px;
}
.phone-act { display: grid; justify-items: center; gap: 8px; }
.phone-act-label { color: rgba(255,255,255,0.88); font-size: 0.72rem; font-weight: 500; }
.phone-btn {
  width: 57px; height: 57px; border-radius: 50%; display: grid; place-items: center;
  color: #fff; box-shadow: 0 10px 24px -8px rgba(0,0,0,0.55);
  transition: transform 0.2s var(--ease);
}
.phone-btn svg { width: 26px; height: 26px; }
.phone-btn:hover { transform: scale(1.08); }
.phone-decline { background: #E5484D; }
.phone-decline svg { transform: rotate(134deg); }
.phone-accept { background: #2FB84C; animation: phone-accept 1.3s ease-in-out infinite; }

@keyframes phone-buzz {
  0%, 46%, 100% { transform: translateX(0) rotate(0deg); }
  6%  { transform: translateX(-5px) rotate(-2.2deg); }
  10% { transform: translateX(5px) rotate(2.2deg); }
  14% { transform: translateX(-5px) rotate(-2.2deg); }
  18% { transform: translateX(5px) rotate(2.2deg); }
  22% { transform: translateX(-4px) rotate(-1.6deg); }
  26% { transform: translateX(4px) rotate(1.6deg); }
  30% { transform: translateX(0) rotate(0deg); }
  34% { transform: translateX(-4px) rotate(-1.6deg); }
  38% { transform: translateX(4px) rotate(1.6deg); }
  42% { transform: translateX(0) rotate(0deg); }
}
@keyframes phone-accept {
  0%, 100% { transform: scale(1); box-shadow: 0 10px 24px -8px rgba(0,0,0,0.55); }
  50% { transform: scale(1.09); box-shadow: 0 0 0 9px rgba(47,184,76,0.16); }
}
@media (prefers-reduced-motion: reduce) {
  .phone { animation: none; }
  .phone-accept { animation: none; }
}

/* floating finance card */
.fv-card {
  position: absolute; left: 14px; right: 14px; bottom: 14px; z-index: 2;
  background: rgba(10,32,24,0.60);
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  border: 1px solid rgba(201,162,75,0.38);
  border-radius: 14px; padding: 12px 15px;
  box-shadow: 0 14px 34px -14px rgba(0,0,0,0.55);
}
.fv-card-head { display: flex; align-items: center; gap: 11px; margin-bottom: 8px; }
.fv-card-eur {
  display: grid; place-items: center; width: 36px; height: 36px; flex-shrink: 0;
  border-radius: 50%; background: #F6DE9A; color: #0c2b1f;
  font-family: 'Inter', sans-serif; font-weight: 800; font-size: 1.1rem;
}
.fv-card-txt { flex: 1; line-height: 1.25; }
.fv-card-txt strong { display: block; color: var(--cream); font-size: 0.92rem; font-weight: 600; }
.fv-card-txt span { color: var(--cream-soft); font-size: 0.72rem; }
.fv-card-up { display: inline-flex; align-items: center; gap: 3px; color: #86D5A6; font-weight: 700; font-size: 0.85rem; }
.fv-card-up svg { width: 15px; height: 15px; }
.fv-spark { width: 100%; height: 40px; display: block; }
.fv-area { opacity: 0; animation: fv-area 5s ease-in-out infinite; }
@keyframes fv-area { 0% { opacity: 0; } 45% { opacity: 1; } 100% { opacity: 0.5; } }
.fv-line { stroke-dasharray: 260; stroke-dashoffset: 260; animation: fv-draw 5s ease-in-out infinite; }
@keyframes fv-draw { 0% { stroke-dashoffset: 260; } 45% { stroke-dashoffset: 0; } 100% { stroke-dashoffset: 0; } }
.fv-coin { transform-box: fill-box; transform-origin: center; animation: fv-coin 2.6s ease-in-out infinite; }
@keyframes fv-coin { 0%,100% { transform: scale(1); } 50% { transform: scale(1.3); } }

@media (prefers-reduced-motion: reduce) {
  .fv-photo { transition: none; }
  .fv-area, .fv-line, .fv-coin { animation: none !important; }
  .fv-line { stroke-dashoffset: 0; }
  .fv-area { opacity: 0.85; }
}

/* ================================================================
   TOPICS
   ================================================================ */
.topics-list { display: flex; flex-direction: column; gap: clamp(3rem, 6vw, 5.5rem); }
.topic {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}
.topic:nth-child(even) .topic-visual { order: -1; }
.topic-text .topic-icon {
  display: inline-grid;
  place-items: center;
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: var(--gold-soft);
  border: 1px solid rgba(201, 162, 75, 0.35);
  color: var(--green-800);
  margin-bottom: 1.25rem;
}
.topic-text .topic-icon svg { width: 26px; height: 26px; }
.topic-text h3 { font-size: clamp(1.5rem, 2.4vw, 2rem); margin-bottom: 0.9rem; }
.topic-text p { color: var(--ink-soft); margin-bottom: 1.4rem; }
/* dark variant of the topics section */
.section-dark .topic-text p { color: var(--cream-soft); }
.section-dark .topic-text .topic-icon { color: var(--gold); border-color: rgba(201,162,75,0.4); }

/* Topic visual — real photo with green overlay + glass info card (matches Future) */
.topic-visual {
  position: relative;
  aspect-ratio: 5 / 4;
  border-radius: var(--radius);
  border: 1px solid var(--line-light);
  overflow: hidden;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.topic-visual:hover { transform: translateY(-4px); box-shadow: var(--shadow-hover); }
.topic-photo {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.6s var(--ease);
}
.topic-visual:hover .topic-photo { transform: scale(1.05); }
.topic-visual::after {
  content: ""; position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background: linear-gradient(180deg, rgba(12,43,31,0.05) 30%, rgba(10,32,24,0.82) 100%);
}

/* glass info card, bottom of the photo */
.topic-card {
  position: absolute; left: 14px; right: 14px; bottom: 14px; z-index: 2;
  display: flex; align-items: center; gap: 12px;
  background: rgba(10,32,24,0.58);
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  border: 1px solid rgba(201,162,75,0.38);
  border-radius: 14px; padding: 12px 15px;
  box-shadow: 0 14px 34px -14px rgba(0,0,0,0.55);
}
.topic-card-badge {
  display: grid; place-items: center; width: 38px; height: 38px; flex-shrink: 0;
  border-radius: 50%; background: #F6DE9A; color: #0c2b1f;
}
.topic-card-badge svg { width: 20px; height: 20px; }
.topic-card-eur { font-family: 'Inter', sans-serif; font-weight: 800; font-size: 1.2rem; }
.topic-card-txt { flex: 1; line-height: 1.25; min-width: 0; }
.topic-card-txt strong { display: block; color: var(--cream); font-size: 0.92rem; font-weight: 600; }
.topic-card-txt span { color: var(--cream-soft); font-size: 0.72rem; }
.topic-card-tag { flex-shrink: 0; display: inline-flex; align-items: center; color: #86D5A6; }
.topic-card-tag svg { width: 17px; height: 17px; }

/* ================================================================
   TRUST / STATS
   ================================================================ */
/* compact results section, pulled closer to the section above */
#trust { padding-top: clamp(1.25rem, 3vw, 2.25rem); }
#trust .section-head { margin-bottom: clamp(1.5rem, 3vw, 2.25rem); }
.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(1.25rem, 2.5vw, 2rem);
}
.stat-card {
  padding: clamp(1.75rem, 3vw, 2.5rem);
  border-radius: var(--radius);
  border: 1px solid var(--line-dark);
  background: rgba(250, 247, 240, 0.03);
  transition: transform 0.3s var(--ease), border-color 0.3s var(--ease), background-color 0.3s var(--ease);
}
.stat-card:hover { transform: translateY(-4px); border-color: rgba(201, 162, 75, 0.5); background: rgba(250, 247, 240, 0.05); }
.stat-number {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 600;
  font-size: clamp(2.6rem, 5vw, 3.6rem);
  line-height: 1;
  color: var(--gold);
  letter-spacing: -0.02em;
  margin-bottom: 0.6rem;
}
.stat-label { color: var(--cream-soft); font-size: 0.98rem; }

/* ================================================================
   TESTIMONIALS
   ================================================================ */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: clamp(1.25rem, 2.5vw, 2rem);
}
.testimonial {
  padding: clamp(1.75rem, 3vw, 2.5rem);
  border-radius: var(--radius);
  border: 1px solid var(--line-light);
  background: var(--white);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.testimonial:hover { transform: translateY(-4px); box-shadow: var(--shadow-hover); }
.stars { color: var(--gold); letter-spacing: 0.15em; font-size: 0.95rem; margin-bottom: 1rem; }
.testimonial blockquote {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 500;
  font-size: clamp(1.15rem, 1.7vw, 1.35rem);
  line-height: 1.5;
  letter-spacing: -0.01em;
  color: var(--ink);
  margin-bottom: 1.5rem;
}
.testimonial-meta { font-weight: 600; font-size: 0.95rem; color: var(--ink); }
.testimonial-meta span { display: block; font-weight: 400; font-size: 0.85rem; color: var(--ink-soft); }
.reviews-note {
  text-align: center;
  margin-top: 2.5rem;
  font-size: 0.9rem;
  color: var(--ink-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
}
.reviews-note svg { width: 16px; height: 16px; color: var(--gold); }

/* ================================================================
   EXPERT — "Guided by an expert"
   ================================================================ */
.expert-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: clamp(2.5rem, 5vw, 4.5rem);
  align-items: center;
}
.expert-photo {
  border-radius: var(--radius);
  padding: 7px;
  border: 1px solid rgba(201, 162, 75, 0.45);
  background: linear-gradient(160deg, rgba(201,162,75,0.22), rgba(46,125,79,0.10));
}
.expert-photo img {
  border-radius: calc(var(--radius) - 5px);
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
}
.expert-text h2 { margin-bottom: 1.3rem; }
.expert-text p { color: var(--cream-soft); margin-bottom: 1.1rem; }
.expert-text em { color: var(--gold); font-style: italic; }
.expert-text .hl { color: var(--gold); font-weight: 600; }
.expert-text h2 .hl { font-weight: inherit; }
.expert-signature {
  margin-top: 1.75rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--line-dark);
  font-weight: 600;
  color: var(--cream);
  font-size: 0.95rem;
}

/* ================================================================
   GUIDED BY AN EXPERT
   ================================================================ */
.guided-grid {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: clamp(1.25rem, 3vw, 3rem);
  align-items: center;
}
.guided-title {
  font-size: clamp(2.6rem, 6vw, 4.4rem);
  line-height: 1.03;
  margin-bottom: 1.1rem;
}
.guided-title .hl { color: var(--gold); }
.guided-sub {
  font-size: clamp(1.1rem, 1.8vw, 1.5rem);
  font-weight: 600;
  color: var(--ink-soft);
  margin-bottom: 2rem;
}
.guided-sub .hl { color: var(--gold); }
/* Cut-out figures sit directly on the cream — no frame, no white box */
.guided-visual { position: relative; }
.guided-visual img {
  display: block;
  width: 100%;
  height: auto;
  transform: scale(1.16);
  transform-origin: center right;
}

/* ================================================================
   FAQ
   ================================================================ */
.faq-list { max-width: 52rem; margin-inline: auto; }
.faq-item { border-bottom: 1px solid var(--line-light); }
.faq-item:first-child { border-top: 1px solid var(--line-light); }
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  text-align: left;
  padding: 1.5rem 0.25rem;
  font-family: 'Fraunces', Georgia, serif;
  font-size: clamp(1.1rem, 1.7vw, 1.3rem);
  font-weight: 500;
  letter-spacing: -0.01em;
  color: var(--ink);
  transition: color 0.2s var(--ease);
}
.faq-question:hover { color: var(--green-600); }
.faq-icon {
  flex-shrink: 0;
  display: grid;
  place-items: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 1px solid var(--line-light);
  color: var(--green-800);
  transition: transform 0.3s var(--ease), background-color 0.3s var(--ease), color 0.3s var(--ease), border-color 0.3s var(--ease);
}
.faq-icon svg { width: 18px; height: 18px; }
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--gold); color: var(--green-950); border-color: var(--gold); }
.faq-answer {
  overflow: hidden;
  max-height: 0;
  transition: max-height 0.4s var(--ease);
}
.faq-item.open .faq-answer { max-height: 340px; }
.faq-answer-inner { padding: 0 0.25rem 1.6rem; color: var(--ink-soft); max-width: 46rem; }

/* ================================================================
   FINAL CTA
   ================================================================ */
.cta { text-align: center; }
.cta h2 { max-width: 22ch; margin-inline: auto; margin-bottom: 2rem; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; margin-bottom: 3.5rem; }

.cta-contact {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  max-width: 60rem;
  margin-inline: auto;
  text-align: left;
  padding-top: 3rem;
  border-top: 1px solid var(--line-dark);
}
.cta-contact .contact-item .label {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.6rem;
}
.cta-contact .contact-item .label svg { width: 15px; height: 15px; }
.cta-contact .contact-item a,
.cta-contact .contact-item address { display: block; color: var(--cream); font-size: 0.98rem; line-height: 1.6; }
.cta-contact .contact-item a { transition: color 0.2s var(--ease); }
.cta-contact .contact-item a:hover { color: var(--gold); }
.map-link { margin-top: 0.4rem; font-size: 0.85rem !important; color: var(--gold) !important; }

/* ================================================================
   FOOTER
   ================================================================ */
.site-footer {
  background: var(--green-950);
  color: var(--cream-soft);
  border-top: 1px solid var(--line-dark);
  padding-block: clamp(3rem, 6vw, 4.5rem);
}
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid var(--line-dark);
}
.footer-brand-block .logo { font-size: 1.5rem; display: inline-block; margin-bottom: 1rem; }
.footer-brand-block p { font-size: 0.92rem; max-width: 28rem; }
.footer-col h4 {
  font-family: 'Inter', sans-serif;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.1rem;
}
.footer-col a, .footer-col address { display: block; font-size: 0.92rem; color: var(--cream-soft); line-height: 1.9; transition: color 0.2s var(--ease); }
.footer-col a:hover { color: var(--gold); }
.footer-col .btn { margin-top: 0.5rem; }
.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding-top: 2rem;
  font-size: 0.85rem;
}
.footer-bottom nav { display: flex; gap: 1.5rem; }
.footer-bottom nav a { transition: color 0.2s var(--ease); }
.footer-bottom nav a:hover { color: var(--gold); }

/* ================================================================
   SUBPAGES (legal + placeholders)
   ================================================================ */
.subpage-header {
  background: var(--green-950);
  height: var(--header-h);
  display: flex;
  align-items: center;
  border-bottom: 1px solid rgba(201, 162, 75, 0.3);
}
.subpage-main { max-width: 48rem; margin-inline: auto; padding: clamp(3rem, 8vw, 5.5rem) clamp(1.25rem, 5vw, 2.5rem); }
.subpage-main h1 { font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 2rem; }
.subpage-main h2 { font-size: 1.4rem; margin: 2.5rem 0 0.75rem; }
.subpage-main p { color: var(--ink-soft); margin-bottom: 1rem; }
.subpage-main a { color: var(--green-600); text-decoration: underline; text-underline-offset: 3px; }
.subpage-main a:hover { color: var(--gold); }
.subpage-lead { font-size: 1.1rem; }
.todo-block {
  margin: 0.75rem 0 1.25rem;
  padding: 0.85rem 1.1rem;
  background: var(--gold-soft);
  border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--green-800);
}
.subpage-footer {
  text-align: center;
  padding: 2.5rem 1.25rem;
  border-top: 1px solid var(--line-light);
  font-size: 0.9rem;
  color: var(--ink-soft);
}
.subpage-footer a { color: var(--green-600); }
.subpage-footer a:hover { color: var(--gold); }

/* Placeholder page hero */
.placeholder {
  min-height: calc(100vh - var(--header-h));
  display: grid;
  place-items: center;
  text-align: center;
  padding: 4rem 1.25rem;
  background: var(--cream);
}
.placeholder .eyebrow { justify-content: center; }
.placeholder h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); margin-bottom: 1.25rem; }
.placeholder p { color: var(--ink-soft); max-width: 34rem; margin: 0 auto 2rem; font-size: 1.1rem; }

/* ================================================================
   RESPONSIVE
   ================================================================ */
@media (max-width: 1200px) {
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-brand-block { grid-column: 1 / -1; }
}

@media (max-width: 900px) {
  .nav {
    position: fixed;
    inset: var(--header-h) 0 auto 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0.25rem;
    padding: 1rem clamp(1.25rem, 5vw, 2.5rem) 1.75rem;
    background: rgba(12, 43, 31, 0.97);
    -webkit-backdrop-filter: blur(14px);
    backdrop-filter: blur(14px);
    border-bottom: 1px solid rgba(201, 162, 75, 0.3);
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: opacity 0.3s var(--ease), transform 0.3s var(--ease), visibility 0.3s var(--ease);
    max-height: calc(100vh - var(--header-h));
    overflow-y: auto;
  }
  .nav.open { opacity: 1; visibility: visible; transform: translateY(0); }
  .nav a:not(.btn) { padding: 0.85rem 0.5rem; border-radius: var(--radius-sm); }
  .nav .btn { margin: 0.75rem 0 0; }
  .nav-toggle { display: flex; }

  .future-grid,
  .expert-grid,
  .guided-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .future-visual { max-width: 460px; }
  .guided-visual { max-width: 520px; }
  .topic { grid-template-columns: 1fr; gap: 1.75rem; }
  .topic:nth-child(even) .topic-visual { order: 0; }
  .topic-visual { max-width: 420px; }
  .stats-grid { grid-template-columns: 1fr; max-width: 26rem; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .cta-contact { grid-template-columns: 1fr; max-width: 26rem; text-align: center; }
  .cta-contact .contact-item .label { justify-content: center; }
}

@media (max-width: 640px) {
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { width: 100%; }
  .cta-actions .btn { flex: 1 1 auto; }
  .footer-bottom { flex-direction: column; align-items: flex-start; text-align: left; }
}

/* ================================================================
   EXPAT PAGE
   ================================================================ */
.hl { color: var(--gold); }
.hl-green { color: var(--green-600); }
.hl-red { color: #E23A2E; }
.hl-black { color: #0B0B0B; }

/* Big bold uppercase heading — the live "Expat" page voice */
.expat-h {
  font-family: 'Inter', system-ui, sans-serif;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: -0.02em;
  line-height: 1.03;
  font-size: clamp(2.1rem, 5.5vw, 4rem);
}
.section-head .expat-h { margin-bottom: 0.85rem; }

/* Hero */
.expat-hero { padding-top: calc(var(--header-h) + clamp(3rem, 7vw, 6rem)); }
.expat-hero-head { max-width: none; }
.expat-hero-title {
  font-size: clamp(1.5rem, 8vw, 5.5rem);
  margin-bottom: 0.55rem;
  white-space: nowrap;
  width: fit-content;
}
/* German-flag gradient underline (black · red · gold) */
.expat-hero-title::after {
  content: "";
  display: block;
  height: 0.14em;
  margin-top: 0.16em;
  border-radius: 999px;
  background: linear-gradient(90deg, #000 0%, #000 42%, #C41E1E 49%, #E23A2E 58%, #E23A2E 64%, #EBA83C 73%, #FFCE00 84%, #FFCE00 100%);
}
.expat-hero-sub { font-size: clamp(1.15rem, 2vw, 1.6rem); font-weight: 600; color: var(--cream-soft); }
.expat-hero-grid {
  margin-top: clamp(2.5rem, 5vw, 4rem);
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}
.expat-quote {
  font-family: 'Fraunces', Georgia, serif;
  font-size: clamp(1.3rem, 2.3vw, 1.95rem);
  line-height: 1.42;
  color: var(--cream);
}
.expat-jump { display: grid; gap: 0.9rem; }
.expat-jump-btn {
  display: flex; align-items: center; justify-content: center; text-align: center;
  padding: 1.05rem 1.5rem; border-radius: 999px;
  font-weight: 600; font-size: 1.02rem; color: var(--cream);
  border: 1.5px solid rgba(201,162,75,0.5);
  background: rgba(201,162,75,0.08);
  transition: transform 0.25s var(--ease), background-color 0.25s var(--ease), color 0.25s var(--ease), border-color 0.25s var(--ease);
}
.expat-jump-btn:hover { transform: translateY(-2px); background: var(--gold); color: var(--green-950); border-color: var(--gold); }

/* Prose */
.expat-prose { max-width: 62rem; margin-top: clamp(1.25rem, 3vw, 2.25rem); }
.expat-prose p { font-size: clamp(1.05rem, 1.5vw, 1.2rem); margin-bottom: 1.1rem; }
.expat-prose-dark p { color: var(--cream-soft); }
.expat-prose-dark .expat-q { color: var(--cream); font-weight: 700; font-size: clamp(1.15rem, 1.8vw, 1.4rem); margin-top: 0.4rem; }
.expat-lead { font-size: clamp(1.15rem, 1.9vw, 1.5rem); font-weight: 600; color: var(--gold); }
.expat-lead-dim { color: var(--ink-soft); margin-bottom: 0.8rem; }
.expat-list { margin: 0.4rem 0 1.5rem; display: grid; gap: 0.7rem; }
.expat-list li { position: relative; padding-left: 1.9rem; color: var(--cream-soft); }
.expat-list li::before { content: ""; position: absolute; left: 0; top: 0.6em; width: 0.65rem; height: 0.65rem; border-radius: 50%; background: var(--gold); }
.expat-punch { font-family: 'Fraunces', Georgia, serif; font-size: clamp(1.4rem, 2.6vw, 2.1rem); color: var(--gold); margin-top: 0.4rem; }

/* Payslip framed image */
.payslip-frame {
  background: #fff; border: 1px solid var(--line-light); border-radius: var(--radius);
  padding: clamp(1rem, 2.5vw, 2rem); box-shadow: var(--shadow-hover);
  margin-bottom: clamp(2rem, 4vw, 3rem); overflow-x: auto;
}
.payslip-frame img { width: 100%; height: auto; min-width: 640px; }
.payslip-svg { display: block; width: 100%; height: auto; min-width: 680px; }
.payslip-svg text { -webkit-font-smoothing: antialiased; }

/* animated hand-drawn red annotations */
.ps-circle {
  fill: none; stroke: #d92b2b; stroke-width: 3; stroke-linecap: round;
  stroke-dasharray: 100; stroke-dashoffset: 100;
  animation: ps-draw 7s ease-in-out infinite;
}
.ps-c2 { animation-delay: 1s; }
.ps-c3 { animation-delay: 2s; }
@keyframes ps-draw {
  0%   { stroke-dashoffset: 100; opacity: 0; }
  4%   { opacity: 1; }
  16%  { stroke-dashoffset: 0; opacity: 1; }
  74%  { stroke-dashoffset: 0; opacity: 1; }
  86%  { stroke-dashoffset: 0; opacity: 0; }
  100% { stroke-dashoffset: 100; opacity: 0; }
}
@media (prefers-reduced-motion: reduce) {
  .ps-circle { animation: none; stroke-dashoffset: 0; opacity: 1; }
}

/* CTA banner (skyline photo + centered gold button) */
.cta-banner {
  position: relative;
  display: grid;
  place-items: center;
  min-height: clamp(220px, 30vw, 380px);
  margin-top: clamp(2.5rem, 5vw, 4rem);
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--line-dark);
  isolation: isolate;
}
.cta-banner-img {
  position: absolute; inset: 0; z-index: -2;
  width: 100%; height: 100%; object-fit: cover;
  animation: cta-zoom 20s ease-in-out infinite alternate;
}
.cta-banner::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(180deg, rgba(12,43,31,0.52) 0%, rgba(12,43,31,0.74) 100%);
}
@keyframes cta-zoom { from { transform: scale(1.03); } to { transform: scale(1.13); } }
.cta-banner-btn {
  display: inline-flex; align-items: center; justify-content: center; text-align: center;
  padding: 1.15rem 2.5rem; border-radius: 999px;
  font-family: 'Inter', sans-serif; font-weight: 600; font-size: clamp(1.02rem, 1.6vw, 1.3rem);
  background: var(--gold); color: var(--green-950);
  box-shadow: 0 14px 32px -10px rgba(201,162,75,0.6);
  transition: transform 0.25s var(--ease), background-color 0.25s var(--ease), box-shadow 0.25s var(--ease);
}
.cta-banner:hover .cta-banner-btn {
  transform: translateY(-2px); background: #d8b258;
  box-shadow: 0 22px 44px -12px rgba(201,162,75,0.78);
}
@media (prefers-reduced-motion: reduce) { .cta-banner-img { animation: none; } }

/* Taxes section: text + clean animated wealth-chart panel */
.taxes-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}
.taxes-visual { display: grid; place-items: center; }

.tax-panel {
  width: 100%; max-width: 480px;
  background: rgba(10,32,24,0.55);
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  border: 1px solid rgba(201,162,75,0.30);
  border-radius: 22px;
  padding: clamp(1.5rem, 3vw, 2.2rem);
  box-shadow: 0 30px 60px -30px rgba(0,0,0,0.6);
}
.tax-panel-head { display: flex; align-items: center; gap: 13px; margin-bottom: 1.4rem; }
.tax-badge {
  width: 48px; height: 48px; flex-shrink: 0; border-radius: 50%;
  background: #F6DE9A; color: #0c2b1f; display: grid; place-items: center;
  font-family: 'Inter', sans-serif; font-weight: 800; font-size: 1.4rem;
}
.tax-panel-txt { flex: 1; line-height: 1.3; min-width: 0; }
.tax-panel-txt strong { display: block; color: var(--cream); font-size: 1.1rem; font-weight: 600; }
.tax-panel-txt span { color: var(--cream-soft); font-size: 0.8rem; }
.tax-up {
  flex-shrink: 0; display: inline-flex; align-items: center; gap: 4px;
  color: #86D5A6; font-weight: 700; font-size: 0.85rem;
  background: rgba(134,213,166,0.12); border: 1px solid rgba(134,213,166,0.34);
  padding: 5px 11px 5px 8px; border-radius: 999px;
}
.tax-up svg { width: 14px; height: 14px; }

.tax-chart { width: 100%; height: auto; display: block; }
.tax-grid line { stroke: rgba(250,247,240,0.09); stroke-width: 1; }
.tax-line {
  fill: none; stroke: var(--gold); stroke-width: 3; stroke-linecap: round; stroke-linejoin: round;
  stroke-dasharray: 520; stroke-dashoffset: 520; animation: tax-line 5.5s ease-in-out infinite;
}
.tax-area { opacity: 0; animation: tax-area 5.5s ease-in-out infinite; }
.tax-dot { fill: var(--gold); transform-box: fill-box; transform-origin: center; opacity: 0; animation: tax-dot 5.5s ease-in-out infinite; }
.tax-panel-foot { display: flex; justify-content: space-between; margin-top: 0.85rem; color: var(--cream-soft); font-size: 0.78rem; letter-spacing: 0.02em; }
.tax-stat {
  margin-top: 1.2rem; padding-top: 1.2rem;
  border-top: 1px solid rgba(201,162,75,0.22);
  display: flex; align-items: baseline; gap: 0.75rem;
}
.tax-stat strong { font-family: 'Inter', sans-serif; font-weight: 800; font-size: 1.75rem; color: var(--gold); line-height: 1; }
.tax-stat span { color: var(--cream-soft); font-size: 0.82rem; line-height: 1.3; }

@keyframes tax-line { 0%{stroke-dashoffset:520} 32%{stroke-dashoffset:0} 90%{stroke-dashoffset:0} 100%{stroke-dashoffset:520} }
@keyframes tax-area { 0%{opacity:0} 38%{opacity:1} 90%{opacity:1} 100%{opacity:0} }
@keyframes tax-dot  { 0%,26%{opacity:0} 36%{opacity:1;transform:scale(1)} 52%{transform:scale(1.55)} 68%{transform:scale(1)} 90%{opacity:1} 100%{opacity:0} }

@media (prefers-reduced-motion: reduce) {
  .tax-line { animation: none; stroke-dashoffset: 0; }
  .tax-area { animation: none; opacity: 1; }
  .tax-dot  { animation: none; opacity: 1; }
}

/* ETF callout */
.etf-callout {
  margin-top: clamp(2.5rem, 5vw, 4rem);
  display: grid;
  grid-template-columns: 1fr clamp(210px, 32%, 340px);
  align-items: end;
  gap: clamp(1rem, 3vw, 2.5rem);
  background: linear-gradient(180deg, rgba(201,162,75,0.12), rgba(201,162,75,0.04));
  border: 1px solid rgba(201,162,75,0.35);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2.5rem);
  padding-bottom: 0;
  overflow: hidden;
}
.etf-bubble { padding-bottom: clamp(1.75rem, 3.5vw, 2.75rem); }
.etf-bubble p {
  font-family: 'Fraunces', Georgia, serif;
  font-size: clamp(1.4rem, 2.5vw, 2.1rem);
  line-height: 1.35;
  color: var(--cream);
  margin-bottom: 1.6rem;
}
.etf-bubble p strong { color: var(--gold); }
.etf-btn { font-size: 1.02rem; padding: 0.95rem 2.1rem; }
.etf-figure { align-self: end; width: 100%; height: auto; display: block; }

/* Insurance world */
.insurance-section { position: relative; overflow: hidden; }
.insurance-bg { position: absolute; inset: 0; z-index: 0; pointer-events: none; }
.insurance-bg svg { position: absolute; width: 640px; height: auto; opacity: 0.05; }
.ins-card-bg-1 { top: -40px; right: -150px; transform: rotate(-15deg); }
.ins-card-bg-2 { bottom: -130px; left: -170px; width: 520px; transform: rotate(11deg); }
.insurance-section > .container { position: relative; z-index: 1; }

.insurance-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.insurance-text.expat-prose { margin-top: 0; max-width: 40rem; }
.insurance-text .expat-lead { color: var(--gold); margin-bottom: 0.9rem; }
.insurance-punch {
  color: var(--cream); font-weight: 600;
  font-size: clamp(1.1rem, 1.7vw, 1.35rem);
  border-left: 3px solid var(--gold); padding-left: 1.1rem; margin-top: 1.6rem;
}
.insurance-visual { display: grid; place-items: center; }
.ins-card {
  width: 100%; max-width: 430px; height: auto;
  filter: drop-shadow(0 34px 55px rgba(0,0,0,0.55));
  animation: ins-float 7s ease-in-out infinite alternate;
}
@keyframes ins-float { from { transform: rotate(-5deg) translateY(-7px); } to { transform: rotate(-5deg) translateY(7px); } }
@media (prefers-reduced-motion: reduce) { .ins-card { animation: none; transform: rotate(-5deg); } }

/* Electricity section: animated cost gauge */
.energy-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.energy-grid .expat-prose { margin-top: 0; }
.energy-visual { display: grid; place-items: center; }
.elec-svg { width: 100%; max-width: 440px; height: auto; overflow: visible; }
.elec-lbl { fill: rgba(250,247,240,0.55); font-family: 'Inter', sans-serif; font-weight: 600; font-size: 14px; }
.elec-save-txt { fill: #86D5A6; font-family: 'Inter', sans-serif; font-weight: 700; font-size: 18px; }
.elec-needle { transform-box: view-box; transform-origin: 170px 200px; animation: elec-needle 5s ease-in-out infinite; }
.elec-bolt { transform-box: fill-box; transform-origin: center; animation: elec-bolt 2.4s ease-in-out infinite; }
.elec-save { transform-box: fill-box; transform-origin: center; opacity: 0; animation: elec-save 5s ease-in-out infinite; }
@keyframes elec-needle {
  0%, 6%   { transform: rotate(76deg); }
  46%      { transform: rotate(-66deg); }
  56%      { transform: rotate(-56deg); }
  66%, 90% { transform: rotate(-62deg); }
  100%     { transform: rotate(76deg); }
}
@keyframes elec-bolt { 0%,100% { opacity: 0.8; } 50% { opacity: 1; } }
@keyframes elec-save { 0%,44% { opacity: 0; transform: translateY(6px); } 56% { opacity: 1; transform: translateY(0); } 90% { opacity: 1; transform: translateY(0); } 100% { opacity: 0; transform: translateY(6px); } }
@media (prefers-reduced-motion: reduce) {
  .elec-needle { animation: none; transform: rotate(-62deg); }
  .elec-bolt, .elec-save { animation: none; }
  .elec-save { opacity: 1; }
}

/* FAQ ordered steps */
.faq-steps { display: grid; gap: 0.55rem; counter-reset: step; }
.faq-steps li { position: relative; padding-left: 2.4rem; }
.faq-steps li::before {
  counter-increment: step; content: counter(step);
  position: absolute; left: 0; top: 0.05em; width: 1.6rem; height: 1.6rem; border-radius: 50%;
  background: var(--gold-soft); color: var(--green-800); font-weight: 700; font-size: 0.8rem;
  display: grid; place-items: center;
}

@media (max-width: 900px) {
  .expat-hero-grid,
  .taxes-grid,
  .energy-grid,
  .insurance-grid { grid-template-columns: 1fr; }
  .taxes-visual,
  .energy-visual { max-width: 420px; margin-inline: auto; margin-top: 1rem; }
  .insurance-visual { max-width: 420px; }
  .etf-callout { grid-template-columns: 1fr; padding-bottom: clamp(1.5rem, 3vw, 2.5rem); text-align: center; }
  .etf-figure { max-width: 240px; margin: 0.5rem auto 0; }
}

/* ================================================================
   HOW WE WORK
   ================================================================ */
.hww-hero { padding-top: calc(var(--header-h) + clamp(3rem, 7vw, 6rem)); }
.hww-hero-head { max-width: 60rem; }
.hww-hero-title { font-size: clamp(2.6rem, 8vw, 5.6rem); margin-bottom: 0.6rem; }

.hww-timeline { position: relative; }
.hww-rail { position: absolute; left: 26px; top: 26px; bottom: 26px; width: 4px; z-index: 0; }
.hww-line { position: absolute; inset: 0; background: rgba(12,43,31,0.12); border-radius: 3px; }
.hww-line-fill { position: absolute; top: 0; left: 0; width: 100%; height: 0; border-radius: 3px;
  background: linear-gradient(180deg, var(--gold), var(--green-600));
  box-shadow: 0 0 14px rgba(201,162,75,0.5); transition: height 0.15s linear; }

.hww-step { display: grid; grid-template-columns: 56px 1fr; gap: clamp(1rem, 3vw, 2rem);
  position: relative; z-index: 1; padding-bottom: clamp(3rem, 7vw, 5.5rem); }
.hww-step:last-child { padding-bottom: clamp(1.5rem, 4vw, 3rem); }
.hww-node {
  width: 52px; height: 52px; border-radius: 50%; margin: 0 auto;
  display: grid; place-items: center;
  background: var(--cream); border: 3px solid rgba(12,43,31,0.15);
  color: var(--green-800); font-family: 'Inter', sans-serif; font-weight: 800; font-size: 1.3rem;
  transition: transform 0.4s var(--ease), background-color 0.4s var(--ease), border-color 0.4s var(--ease), color 0.4s var(--ease), box-shadow 0.4s var(--ease);
}
.hww-node.active { background: var(--green-950); border-color: var(--gold); color: var(--gold);
  transform: scale(1.1); box-shadow: 0 12px 26px -8px rgba(12,43,31,0.5); }
.hww-step-body {
  display: grid; grid-template-columns: 1fr 1fr; gap: clamp(1.5rem, 4vw, 3rem); align-items: center;
  background: var(--white); border: 1px solid var(--line-light); border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2.5rem); box-shadow: 0 24px 55px -34px rgba(12,43,31,0.35);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.hww-step:hover .hww-step-body { transform: translateY(-5px); box-shadow: var(--shadow-hover); }
.hww-step-text .eyebrow { color: var(--gold); }
.hww-step-text h3 { font-size: clamp(1.5rem, 2.6vw, 2.1rem); margin-bottom: 0.6rem; }
.hww-lead { color: var(--green-600); font-weight: 600; font-size: clamp(1.02rem, 1.5vw, 1.2rem); line-height: 1.5; }
.hww-step-visual { background: var(--green-950); border-radius: 16px; aspect-ratio: 11/8; display: grid; place-items: center; overflow: hidden; }
.hww-svg { width: 80%; height: auto; }

.hww-cta { text-align: center; margin-top: clamp(1rem, 3vw, 2rem); }
.hww-cta-btn { font-size: clamp(1.05rem, 1.7vw, 1.3rem); padding: 1.15rem 2.8rem; }

/* step graphic animations */
.hww-ring { transform-box: fill-box; transform-origin: center; opacity: 0; animation: hww-ring 2.8s ease-out infinite; }
.hr2 { animation-delay: 0.9s; } .hr3 { animation-delay: 1.8s; }
@keyframes hww-ring { 0% { transform: scale(0.6); opacity: 0.85; } 100% { transform: scale(2); opacity: 0; } }

.hww-bar { transform-box: fill-box; transform-origin: 50% 100%; transform: scaleY(0); animation: hww-bar 4.5s ease-in-out infinite; }
.hb1 { animation-delay: 0.1s; } .hb2 { animation-delay: 0.25s; } .hb3 { animation-delay: 0.4s; } .hb4 { animation-delay: 0.55s; }
@keyframes hww-bar { 0% { transform: scaleY(0); } 20% { transform: scaleY(1); } 82% { transform: scaleY(1); } 96%,100% { transform: scaleY(0); } }
.hww-donut { stroke-dasharray: 202; stroke-dashoffset: 202; animation: hww-donut 4.5s ease-in-out infinite; }
@keyframes hww-donut { 0% { stroke-dashoffset: 202; } 28% { stroke-dashoffset: 66; } 82% { stroke-dashoffset: 66; } 96%,100% { stroke-dashoffset: 202; } }

.hww-bulb { opacity: 0.55; animation: hww-bulb 2.6s ease-in-out infinite; }
.hww-rays { opacity: 0.2; transform-box: fill-box; transform-origin: center; animation: hww-rays 2.6s ease-in-out infinite; }
@keyframes hww-bulb { 0%,100% { opacity: 0.5; } 50% { opacity: 1; } }
@keyframes hww-rays { 0%,100% { opacity: 0.2; transform: scale(0.9); } 50% { opacity: 1; transform: scale(1); } }

.hww-check path { stroke-dasharray: 34; stroke-dashoffset: 34; animation: hww-check 5s ease-in-out infinite; }
.hc1 path { animation-delay: 0.3s; } .hc2 path { animation-delay: 0.9s; } .hc3 path { animation-delay: 1.5s; }
@keyframes hww-check { 0%,6% { stroke-dashoffset: 34; } 18% { stroke-dashoffset: 0; } 86% { stroke-dashoffset: 0; } 96%,100% { stroke-dashoffset: 34; } }

@media (prefers-reduced-motion: reduce) {
  .hww-ring, .hww-bar, .hww-donut, .hww-bulb, .hww-rays, .hww-check path { animation: none; }
  .hww-bar { transform: scaleY(1); }
  .hww-donut { stroke-dashoffset: 66; }
  .hww-bulb { opacity: 1; } .hww-rays { opacity: 1; transform: none; }
  .hww-check path { stroke-dashoffset: 0; }
  .hww-line-fill { transition: none; }
}

@media (max-width: 760px) {
  .hww-step { grid-template-columns: 44px 1fr; gap: 0.75rem; }
  .hww-rail { left: 20px; }
  .hww-node { width: 44px; height: 44px; font-size: 1.1rem; }
  .hww-step-body { grid-template-columns: 1fr; }
  .hww-step-visual { max-width: 320px; margin: 0 auto; width: 100%; }
}

/* ================================================================
   ABOUT TILL
   ================================================================ */
.about-hero { padding-top: calc(var(--header-h) + clamp(3rem, 7vw, 6rem)); }
.about-hero-head { max-width: 60rem; }
.about-hero-title { font-size: clamp(2.8rem, 9vw, 6rem); margin-bottom: 0.5rem; }

.about-figure { margin-bottom: clamp(2rem, 5vw, 3.5rem); display: grid; place-items: center; }
.about-figure img { width: 100%; max-width: 720px; height: auto; }
.about-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
.about-headline { font-size: clamp(1.8rem, 3.6vw, 3rem); line-height: 1.14; }
.about-text.expat-prose { margin-top: 0; }
.about-text p { color: var(--ink-soft); font-size: clamp(1.02rem, 1.4vw, 1.15rem); margin-bottom: 1.1rem; }

.about-partners .section-head { margin-bottom: clamp(2rem, 4vw, 3rem); }

@media (max-width: 900px) {
  .about-grid { grid-template-columns: 1fr; gap: 1.5rem; }
}

/* About — My Philosophy */
.philosophy-grid { display: grid; grid-template-columns: 1fr 1.05fr; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.philosophy-text h2 { margin-bottom: 1.5rem; }
.philosophy-text p { color: var(--cream-soft); font-size: clamp(1.2rem, 2vw, 1.6rem); font-weight: 500; line-height: 1.42; margin-bottom: 1.4rem; }
.philosophy-text p .hl { color: var(--gold); font-weight: 600; }
.philosophy-photo { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line-dark); box-shadow: 0 30px 60px -30px rgba(0,0,0,0.6); }
.philosophy-photo img { display: block; width: 100%; height: auto; }
@media (max-width: 900px) {
  .philosophy-grid { grid-template-columns: 1fr; }
  .philosophy-photo { order: -1; }
}

/* Photo CTA (full-bleed background + panel) */
.cta-photo {
  position: relative; display: grid; place-items: center;
  min-height: clamp(460px, 66vh, 720px);
  padding: clamp(3rem, 8vw, 6rem) clamp(1.25rem, 5vw, 2.5rem);
  overflow: hidden; isolation: isolate;
}
.cta-photo-bg { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; }
.cta-photo::after { content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(180deg, rgba(12,43,31,0.22), rgba(12,43,31,0.42)); }
.cta-photo-panel {
  position: relative; text-align: center; max-width: 760px;
  padding: clamp(2rem, 5vw, 3.5rem) clamp(1.5rem, 5vw, 3.5rem);
  border-radius: var(--radius);
  background: rgba(10,22,17,0.6);
  -webkit-backdrop-filter: blur(5px); backdrop-filter: blur(5px);
  border: 1px solid rgba(201,162,75,0.28);
}
.cta-photo-title {
  font-family: 'Inter', sans-serif; font-weight: 800;
  font-size: clamp(2rem, 5vw, 3.6rem); line-height: 1.08; letter-spacing: -0.02em;
  color: var(--cream); margin-bottom: 1rem;
}
.cta-photo-sub { color: var(--gold); font-weight: 600; font-size: clamp(1.1rem, 1.8vw, 1.4rem); margin-bottom: 2rem; }
.cta-photo-btn { font-size: clamp(1.05rem, 1.6vw, 1.25rem); padding: 1.1rem 3rem; }

/* ================================================================
   FLOATING CONTACT WIDGET
   ================================================================ */
.contact-fab-wrap { position: fixed; right: clamp(1rem, 3vw, 2rem); bottom: clamp(1rem, 3vw, 2rem); z-index: 200; display: flex; flex-direction: column; align-items: flex-end; gap: 14px; }
.contact-fab {
  width: 60px; height: 60px; border-radius: 50%; flex-shrink: 0;
  background: var(--gold); color: var(--green-950);
  display: grid; place-items: center;
  box-shadow: 0 12px 30px -8px rgba(201,162,75,0.6);
  transition: transform 0.25s var(--ease), background-color 0.25s var(--ease);
}
.contact-fab:hover { transform: translateY(-3px); background: #d8b258; }
.contact-fab svg { width: 26px; height: 26px; }
.contact-fab .cw-icon-close { display: none; }
.contact-fab.open .cw-icon-open { display: none; }
.contact-fab.open .cw-icon-close { display: block; }

.contact-widget {
  width: min(342px, calc(100vw - 2rem));
  background: var(--cream); color: var(--ink);
  border-radius: 18px; overflow: hidden;
  box-shadow: 0 26px 64px -22px rgba(0,0,0,0.45);
  transform-origin: bottom right;
  transition: opacity 0.2s var(--ease), transform 0.2s var(--ease);
}
.contact-widget[hidden] { display: none; }
.cw-head { display: flex; align-items: center; gap: 12px; padding: 16px 18px; background: var(--green-950); color: var(--cream); }
.cw-avatar { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; border: 2px solid rgba(201,162,75,0.5); }
.cw-head-txt { flex: 1; line-height: 1.3; min-width: 0; }
.cw-head-txt strong { display: block; font-weight: 600; }
.cw-head-txt span { font-size: 0.8rem; color: var(--cream-soft); }
.cw-close { color: var(--cream-soft); width: 30px; height: 30px; display: grid; place-items: center; border-radius: 50%; }
.cw-close svg { width: 18px; height: 18px; }
.cw-close:hover { background: rgba(250,247,240,0.12); color: var(--cream); }
.cw-options { padding: 12px; display: grid; gap: 8px; }
.cw-opt { display: flex; align-items: center; gap: 12px; padding: 12px 14px; border-radius: 12px; border: 1px solid var(--line-light);
  transition: background-color 0.2s var(--ease), border-color 0.2s var(--ease), transform 0.2s var(--ease); }
.cw-opt:hover { transform: translateY(-1px); border-color: rgba(201,162,75,0.5); background: var(--gold-soft); }
.cw-opt-primary { background: var(--green-950); border-color: var(--green-950); color: var(--cream); }
.cw-opt-primary:hover { background: var(--green-800); border-color: var(--green-800); }
.cw-ico { width: 38px; height: 38px; flex-shrink: 0; border-radius: 10px; display: grid; place-items: center; background: var(--gold-soft); color: var(--green-800); }
.cw-opt-primary .cw-ico { background: rgba(201,162,75,0.22); color: var(--gold); }
.cw-ico svg { width: 20px; height: 20px; }
.cw-opt-txt { line-height: 1.3; min-width: 0; }
.cw-opt-txt strong { display: block; font-size: 0.95rem; font-weight: 600; }
.cw-opt-txt span { font-size: 0.8rem; color: var(--ink-soft); }
.cw-opt-primary .cw-opt-txt span { color: var(--cream-soft); }
@media (prefers-reduced-motion: reduce) { .contact-widget, .contact-fab, .cw-opt { transition: none; } }

/* ================================================================
   FINANCIAL HUB (rotating radar sweep + activating nodes)
   ================================================================ */
.hub { position: relative; width: min(560px, 94%); aspect-ratio: 1; margin: clamp(1.5rem, 4vw, 3rem) auto 0; }
.hub-bg { position: absolute; inset: 0; width: 100%; height: 100%; overflow: visible; }
.hub-ring { fill: none; stroke: rgba(250,247,240,0.13); stroke-width: 0.4; stroke-dasharray: 1.4 2; }
.hub-sweep { transform-box: view-box; transform-origin: 50px 50px; animation: hub-rotate 12s linear infinite; }
.hub-wedge { fill: rgba(201,162,75,0.15); }
.hub-beam { stroke: #86D5A6; stroke-width: 0.7; stroke-linecap: round; opacity: 0.85; }

.hub-center {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%,-50%);
  width: 27%; aspect-ratio: 1; border-radius: 50%; z-index: 3;
  background: radial-gradient(circle at 50% 38%, #1c4a37, #0b2519);
  border: 1.5px solid rgba(201,162,75,0.5);
  display: grid; place-items: center; text-align: center;
  box-shadow: 0 12px 34px -10px rgba(0,0,0,0.55);
}
.hub-center span { color: var(--cream); font-weight: 600; font-size: clamp(0.72rem, 1.5vw, 1rem); line-height: 1.2; }

.hub-node {
  position: absolute; transform: translate(-50%,-50%); z-index: 2;
  display: grid; justify-items: center; gap: 6px; width: 132px;
}
.hub-badge {
  padding: 5px 12px; border-radius: 999px; white-space: nowrap;
  font-size: clamp(0.66rem, 1.15vw, 0.8rem); font-weight: 600;
  background: rgba(201,162,75,0.16); color: var(--gold); border: 1px solid rgba(201,162,75,0.42);
  opacity: 0; animation: hub-badge 12s ease-in-out var(--delay) infinite;
}
.hub-badge.badge-ok { background: rgba(134,213,166,0.16); color: #86D5A6; border-color: rgba(134,213,166,0.42); }
.hub-dot {
  width: clamp(48px, 9vw, 62px); aspect-ratio: 1; border-radius: 50%;
  background: #0b2519; border: 1.6px solid rgba(201,162,75,0.42);
  display: grid; place-items: center; color: var(--gold);
  animation: hub-dot 12s ease-in-out var(--delay) infinite;
}
.hub-dot svg { width: 45%; height: 45%; }
.hub-label { color: var(--cream-soft); font-size: clamp(0.72rem, 1.3vw, 0.86rem); font-weight: 500; text-align: center; line-height: 1.15; max-width: 120px; }

@keyframes hub-rotate { from { transform: rotate(0deg); } to { transform: rotate(360deg); } }
@keyframes hub-badge {
  0%  { opacity: 0; transform: translateY(6px) scale(0.92); }
  3%  { opacity: 1; transform: translateY(0) scale(1); }
  15% { opacity: 1; transform: translateY(0) scale(1); }
  21% { opacity: 0; transform: translateY(6px) scale(0.92); }
  100% { opacity: 0; }
}
@keyframes hub-dot {
  0%, 100% { border-color: rgba(201,162,75,0.42); box-shadow: none; transform: scale(1); }
  3%  { border-color: #86D5A6; box-shadow: 0 0 0 4px rgba(134,213,166,0.16); transform: scale(1.12); }
  15% { border-color: #86D5A6; box-shadow: 0 0 0 4px rgba(134,213,166,0.16); transform: scale(1.12); }
  21% { border-color: rgba(201,162,75,0.42); box-shadow: none; transform: scale(1); }
}

@media (prefers-reduced-motion: reduce) {
  .hub-sweep { animation: none; }
  .hub-badge { animation: none; opacity: 1; transform: none; }
  .hub-dot { animation: none; }
}
/* Radar + text layout */
.radar-section { padding-top: clamp(1.25rem, 3vw, 2.25rem); padding-bottom: clamp(2.5rem, 6vw, 5rem); }
.radar-head { max-width: 54rem; margin-bottom: clamp(1.25rem, 3vw, 2rem); }
.radar-head h2 { font-size: clamp(2.2rem, 5vw, 4rem); line-height: 1.08; margin-bottom: 0; }
.radar-head h2 .hl { color: var(--gold); }
.radar-layout { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
.radar-layout .hub { width: min(480px, 100%); margin: 0 auto; }
.radar-text { padding-top: 0.25rem; }
.radar-text p { color: var(--cream-soft); margin-bottom: 1rem; font-size: clamp(1rem, 1.4vw, 1.12rem); line-height: 1.65; }
.radar-text p:first-child { margin-top: 0; }
.radar-final { color: var(--cream) !important; font-weight: 600; }
.radar-graphic { display: grid; }
.radar-disclaimer {
  margin-top: clamp(1.25rem, 3vw, 2rem);
  text-align: center;
  color: var(--cream-soft); font-size: 0.78rem; line-height: 1.5;
}

@media (max-width: 900px) {
  .radar-layout { grid-template-columns: 1fr; gap: 2.5rem; }
  .radar-layout .hub { order: -1; width: min(460px, 100%); }
}
@media (max-width: 620px) {
  .hub { width: 96%; }
  .hub-node { width: 108px; }
  .hub-label { font-size: 0.75rem; }
}