/* =============================================================
   Instant ITR — Concept 4 · Premium Financial (Editorial Luxury)
   ============================================================= */

:root {
  --paper: #FAFAF9;
  --paper-2: #F5F5F2;
  --ink: #0C0A09;
  --ink-2: #292524;
  --ink-3: #57534E;
  --ink-4: #A8A29E;
  --gold: #A16207;
  --gold-2: #CA8A04;
  --gold-soft: #FEF3C7;
  --line: #D6D3D1;
  --line-soft: #E7E5E4;

  --max: 1280px;
  --t: 400ms cubic-bezier(.25,.8,.25,1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Jost', system-ui, -apple-system, sans-serif;
  font-weight: 400;
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  font-feature-settings: 'kern', 'liga';
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: 0; background: none; color: inherit; }
ul, ol { margin: 0; padding: 0; list-style: none; }
h1, h2, h3, h4 {
  margin: 0;
  font-family: 'Bodoni Moda', serif;
  font-weight: 500;
  letter-spacing: -.01em;
  line-height: 1.05;
}
em { font-family: 'Bodoni Moda', serif; font-style: italic; font-weight: 400; }
p { margin: 0; }
strong { font-variant-numeric: tabular-nums; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding-inline: 24px; }
@media (min-width: 768px) { .container { padding-inline: 48px; } }
@media (min-width: 1280px) { .container { padding-inline: 64px; } }

/* Editorial heading */
.ed-h2 {
  font-size: clamp(40px, 5.5vw, 80px);
  letter-spacing: -.02em;
  line-height: .95;
}
.ed-h2 em { color: var(--ink-2); }

/* Kicker */
.kicker {
  font-family: 'Jost', sans-serif;
  font-size: 11px;
  font-weight: 500;
  letter-spacing: .28em;
  text-transform: uppercase;
  color: var(--ink-3);
  display: inline-block;
}
.kicker--center { display: block; text-align: center; }
.kicker--gold { color: var(--gold); }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 12px;
  padding: 16px 32px;
  font-family: 'Jost', sans-serif;
  font-weight: 500;
  font-size: 12px;
  letter-spacing: .24em;
  text-transform: uppercase;
  line-height: 1;
  min-height: 52px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background-color var(--t), color var(--t), border-color var(--t), letter-spacing var(--t);
}
.btn:focus-visible { outline: none; box-shadow: 0 0 0 3px rgba(161,98,7,.3); }
.btn--gold {
  background: var(--ink);
  color: var(--paper);
  border-color: var(--ink);
  position: relative;
  overflow: hidden;
}
.btn--gold::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.15), transparent);
  transform: translateX(-100%);
  transition: transform 700ms ease;
}
.btn--gold:hover { letter-spacing: .28em; }
.btn--gold:hover::before { transform: translateX(100%); }
.btn--minimal {
  background: transparent;
  color: var(--ink);
  padding: 16px 4px;
  position: relative;
}
.btn--minimal::after {
  content: '';
  position: absolute; bottom: 12px; left: 4px; right: 4px;
  height: 1px; background: var(--ink);
  transform-origin: left;
  transition: transform var(--t);
}
.btn--minimal:hover::after { transform: scaleX(1.05); }

.link-gold {
  font-family: 'Jost', sans-serif;
  font-size: 12px; font-weight: 500;
  letter-spacing: .2em; text-transform: uppercase;
  color: var(--gold);
  position: relative;
  padding-bottom: 4px;
  display: inline-block;
}
.link-gold::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: 0;
  height: 1px; background: var(--gold);
  transform-origin: left;
  transition: transform var(--t);
}
.link-gold:hover::after { transform: scaleX(.7); }

/* Strip */
.strip {
  background: var(--ink);
  color: var(--ink-4);
  font-size: 11px;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-weight: 400;
}
.strip__row {
  display: flex; align-items: center; justify-content: space-between;
  padding-block: 8px;
  gap: 16px;
}
.strip__brand em { color: var(--gold-2); font-style: italic; font-family: 'Bodoni Moda', serif; }
.strip a { transition: color var(--t); }
.strip a:hover { color: var(--paper); }
@media (max-width: 640px) {
  .strip__brand { display: none; }
}

/* Header */
.hdr {
  position: sticky; top: 0; z-index: 50;
  background: rgba(250,250,249,.92);
  backdrop-filter: saturate(150%) blur(14px);
  -webkit-backdrop-filter: saturate(150%) blur(14px);
  border-bottom: 1px solid var(--line-soft);
}
.hdr__col {
  display: flex; align-items: center; gap: 32px;
  padding-block: 20px;
}
.brand {
  display: inline-flex; align-items: center; gap: 12px;
  flex-shrink: 0;
}
.brand__name {
  font-family: 'Bodoni Moda', serif;
  font-weight: 600;
  font-size: 18px;
  letter-spacing: .12em;
  color: var(--ink);
}
.brand__rule {
  width: 24px; height: 1px;
  background: var(--gold);
}
.brand__sub {
  font-family: 'Jost', sans-serif;
  font-size: 10px;
  letter-spacing: .24em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.brand--white .brand__name { color: var(--paper); }
.brand--white .brand__sub { color: rgba(250,250,249,.5); }

.nav {
  display: none; align-items: center; gap: 32px;
  margin-left: auto;
}
.nav a {
  font-family: 'Jost', sans-serif;
  font-size: 11px;
  font-weight: 500;
  letter-spacing: .24em;
  text-transform: uppercase;
  color: var(--ink-3);
  position: relative;
  padding-block: 4px;
  transition: color var(--t);
}
.nav a:hover { color: var(--ink); }
.nav a:hover::after {
  content: ''; position: absolute; bottom: -2px; left: 0; right: 0;
  height: 1px; background: var(--gold);
}
.hdr__t {
  display: inline-flex; flex-direction: column; gap: 6px; justify-content: center;
  width: 44px; height: 44px;
  margin-left: auto;
}
.hdr__t span { display: block; width: 24px; height: 1px; background: var(--ink); }
@media (min-width: 1024px) {
  .nav { display: flex; }
  .hdr__t { display: none; }
}
@media (max-width: 1023px) {
  .nav {
    position: fixed; inset: 90px 0 auto 0;
    background: var(--paper);
    border-bottom: 1px solid var(--line);
    flex-direction: column; align-items: flex-start; gap: 0;
    padding: 24px;
    transform: translateY(-110%); transition: transform var(--t);
  }
  .nav--open { display: flex; transform: translateY(0); }
  .nav a { padding: 14px 0; font-size: 13px; }
}

/* Hero */
.hero {
  min-height: 80vh;
  background: var(--ink);
  color: var(--paper);
  position: relative;
  display: flex; align-items: center;
  overflow: hidden;
  padding-block: 120px;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(60% 80% at 80% 20%, rgba(161,98,7,.12), transparent 60%),
    radial-gradient(40% 60% at 0% 80%, rgba(202,138,4,.08), transparent 60%);
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute; inset: 0;
  background-image:
    linear-gradient(to right, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: calc(100% / 12) 100%;
  pointer-events: none;
}
.hero__inner {
  position: relative;
  display: grid; gap: 32px;
  max-width: 900px;
}
.hero .kicker { color: var(--gold-2); }
.hero h1 {
  font-size: clamp(64px, 11vw, 156px);
  letter-spacing: -.04em;
  line-height: .9;
  font-weight: 500;
}
.hero h1 em {
  color: var(--gold-2);
  font-style: italic;
}
.hero__sub {
  font-size: 19px;
  color: rgba(250,250,249,.7);
  max-width: 56ch;
  line-height: 1.7;
  font-weight: 300;
}
.hero__cta {
  display: flex; flex-wrap: wrap; gap: 16px;
  margin-top: 16px;
}
.hero__cta .btn--gold { background: var(--gold); border-color: var(--gold); color: var(--ink); }
.hero__cta .btn--gold:hover { background: var(--gold-2); border-color: var(--gold-2); }
.hero__cta .btn--minimal { color: var(--paper); }
.hero__cta .btn--minimal::after { background: var(--paper); }

.hero__meta {
  display: flex; flex-wrap: wrap; align-items: center; gap: 24px;
  margin-top: 32px;
  padding-top: 32px;
  border-top: 1px solid rgba(250,250,249,.1);
}
.hero__meta span { display: flex; flex-direction: column; gap: 4px; }
.hero__meta strong {
  font-family: 'Bodoni Moda', serif;
  font-size: 32px;
  font-weight: 500;
  color: var(--paper);
  letter-spacing: -.02em;
}
.hero__meta em {
  font-family: 'Jost', sans-serif;
  font-size: 10px;
  letter-spacing: .24em;
  text-transform: uppercase;
  color: var(--ink-4);
  font-style: normal;
  font-weight: 500;
}
.hero__rule {
  width: 1px; height: 32px;
  background: rgba(250,250,249,.15);
}

.hero__edge {
  position: absolute; bottom: 32px; left: 50%; transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  color: var(--ink-4);
}
.hero__edge span {
  width: 1px; height: 32px; background: var(--ink-4);
  animation: scrollHint 2.5s ease-in-out infinite;
  transform-origin: top;
}
.hero__edge em {
  font-family: 'Jost', sans-serif;
  font-size: 10px;
  letter-spacing: .24em; text-transform: uppercase;
  font-style: normal;
}
@keyframes scrollHint {
  0%, 100% { transform: scaleY(.4); }
  50% { transform: scaleY(1); }
}

/* Numbers */
.numbers {
  padding-block: 120px;
  border-bottom: 1px solid var(--line-soft);
}
.numbers .ed-h2 { margin-block: 16px 80px; max-width: 12ch; }
.numbers__rows { display: grid; gap: 64px; }
.numbers article {
  display: grid;
  gap: 24px;
  grid-template-columns: 1fr;
  padding-bottom: 64px;
  border-bottom: 1px solid var(--line-soft);
  align-items: end;
}
.numbers article:last-child { border-bottom: 0; padding-bottom: 0; }
.num__big {
  font-family: 'Bodoni Moda', serif;
  font-size: clamp(60px, 9vw, 144px);
  font-weight: 400;
  letter-spacing: -.03em;
  line-height: .9;
  color: var(--ink);
}
.num__copy { display: grid; gap: 12px; max-width: 48ch; }
.num__copy h3 {
  font-family: 'Jost', sans-serif;
  font-size: 14px;
  font-weight: 500;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--ink);
  line-height: 1.4;
}
.num__copy p { color: var(--ink-3); font-size: 16px; }

@media (min-width: 900px) {
  .numbers article {
    grid-template-columns: 1.2fr 1fr;
    gap: 64px;
  }
  .numbers article:nth-child(even) {
    grid-template-columns: 1fr 1.2fr;
  }
  .numbers article:nth-child(even) .num__big { order: 2; text-align: right; }
}

/* Practice */
.practice { padding-block: 120px; background: var(--paper-2); border-block: 1px solid var(--line-soft); }
.practice__grid {
  display: grid; gap: 64px;
  grid-template-columns: 1fr;
  align-items: center;
}
.practice__copy { display: grid; gap: 24px; max-width: 56ch; }
.practice__copy .ed-h2 { margin-block: 8px 16px; }
.practice__copy p { color: var(--ink-3); font-size: 17px; line-height: 1.75; }

.practice__seal { display: grid; place-items: center; }
.seal {
  width: 240px; height: 240px;
  border-radius: 50%;
  border: 1px solid var(--gold);
  position: relative;
  display: grid; place-items: center;
  background: radial-gradient(circle at 30% 30%, rgba(161,98,7,.08), transparent 60%);
}
.seal::before {
  content: '';
  position: absolute; inset: 12px;
  border-radius: 50%;
  border: 1px solid var(--line);
}
.seal__top, .seal__bot {
  position: absolute;
  font-family: 'Jost', sans-serif;
  font-size: 11px; font-weight: 500;
  letter-spacing: .3em;
  text-transform: uppercase;
  color: var(--gold);
}
.seal__top { top: 36px; }
.seal__bot { bottom: 36px; }
.seal__mark {
  font-family: 'Bodoni Moda', serif;
  font-size: 80px;
  font-weight: 500;
  font-style: italic;
  color: var(--ink);
  letter-spacing: -.02em;
}
@media (min-width: 1024px) {
  .practice__grid { grid-template-columns: 1.4fr 1fr; gap: 80px; }
}

/* Chapters */
.chapters { padding-block: 120px; }
.chapters__head {
  display: grid; gap: 16px;
  margin-bottom: 64px;
  max-width: 800px;
}
.chapters__scroll {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  padding-inline: 24px;
}
.ch {
  background: var(--paper);
  border: 1px solid var(--line);
  padding: 40px;
  display: grid; gap: 16px;
  position: relative;
  transition: border-color var(--t), transform var(--t);
}
.ch:hover { border-color: var(--gold); }
.ch__num {
  font-family: 'Bodoni Moda', serif;
  font-style: italic;
  font-size: 48px;
  color: var(--gold);
  font-weight: 400;
  line-height: 1;
}
.ch h3 {
  font-family: 'Bodoni Moda', serif;
  font-size: 28px;
  font-weight: 500;
  letter-spacing: -.01em;
}
.ch p { color: var(--ink-3); font-size: 15px; line-height: 1.7; }
.ch ul {
  display: grid; gap: 8px;
  padding-top: 16px;
  border-top: 1px solid var(--line-soft);
}
.ch ul li {
  font-size: 13px; color: var(--ink-2);
  padding-left: 16px;
  position: relative;
}
.ch ul li::before {
  content: '·';
  position: absolute; left: 0; top: 0;
  color: var(--gold);
  font-size: 18px; font-weight: 700;
}
.ch .link-gold { margin-top: 8px; }

@media (min-width: 768px) {
  .chapters__scroll {
    grid-template-columns: repeat(2, 1fr);
    max-width: var(--max);
    margin-inline: auto;
    padding-inline: 48px;
  }
}
@media (min-width: 1280px) {
  .chapters__scroll {
    grid-template-columns: repeat(4, 1fr);
    padding-inline: 64px;
  }
}

/* Voices (editorial testimonials) */
.voices {
  padding-block: 120px;
  background: var(--paper-2);
  border-block: 1px solid var(--line-soft);
}
.voices__inner { display: grid; gap: 64px; }
.voices__lede { display: grid; gap: 16px; max-width: 720px; }
.voices__rating {
  display: inline-flex; align-items: baseline; gap: 12px;
  margin-top: 16px;
}
.rt-stars { color: var(--gold); letter-spacing: 4px; font-size: 18px; }
.voices__rating strong { font-family: 'Bodoni Moda', serif; font-size: 28px; font-weight: 500; }
.voices__rating em {
  font-family: 'Jost', sans-serif;
  font-size: 12px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-style: normal;
}

.voice {
  margin: 0;
  display: grid; gap: 24px;
}
.voice blockquote {
  margin: 0;
  font-family: 'Bodoni Moda', serif;
  font-size: clamp(20px, 2vw, 26px);
  line-height: 1.5;
  color: var(--ink);
  font-weight: 400;
}
.voice figcaption {
  display: grid; gap: 4px;
  padding-top: 16px;
  border-top: 1px solid var(--line);
}
.voice figcaption strong {
  font-family: 'Jost', sans-serif;
  font-weight: 500;
  font-size: 14px;
  letter-spacing: .04em;
  color: var(--ink);
}
.voice figcaption em {
  font-family: 'Jost', sans-serif;
  font-size: 12px;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-style: normal;
}

.voice--lead {
  position: relative;
  padding: 48px 0;
  border-block: 1px solid var(--line);
}
.voice--lead .voice__pull {
  font-family: 'Bodoni Moda', serif;
  font-style: italic;
  font-size: 144px;
  color: var(--gold);
  line-height: 0;
  position: absolute;
  top: 64px; left: -16px;
  opacity: .25;
  pointer-events: none;
}
.voice--lead blockquote {
  font-size: clamp(24px, 3.5vw, 40px);
  line-height: 1.4;
  font-style: italic;
  max-width: 28ch;
  position: relative; z-index: 1;
}
.voice--lead figcaption strong { font-size: 16px; }

.voices__pair {
  display: grid; gap: 64px;
  grid-template-columns: 1fr;
}
@media (min-width: 900px) {
  .voices__pair { grid-template-columns: 1fr 1fr; gap: 64px; }
}

/* Founder */
.founder {
  padding-block: 120px;
}
.founder__grid {
  display: grid; gap: 64px;
  grid-template-columns: 1fr;
  align-items: center;
}
.founder__portrait {
  display: grid; gap: 16px; justify-items: center;
  max-width: 480px;
  margin-inline: auto;
}
.portrait {
  aspect-ratio: 4/5;
  width: 100%;
  background: var(--ink);
  position: relative;
  overflow: hidden;
}
.portrait img {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center 22%;
  display: block;
  filter: grayscale(.85) contrast(1.08) brightness(.95);
}
.portrait::after {
  content: '';
  position: absolute; inset: 12px;
  border: 1px solid rgba(250,250,249,.18);
  pointer-events: none;
  z-index: 3;
}
.portrait__lighting {
  position: absolute; bottom: 0; left: 0; right: 0; height: 30%;
  background: linear-gradient(to top, rgba(161,98,7,.15), transparent);
  pointer-events: none;
}
.portrait__cap {
  font-family: 'Jost', sans-serif;
  font-size: 11px;
  letter-spacing: .24em;
  text-transform: uppercase;
  color: var(--ink-3);
}

.founder__copy { display: grid; gap: 20px; max-width: 56ch; }
.founder__copy .ed-h2 { margin-block: 8px 8px; }
.founder__lede {
  font-family: 'Bodoni Moda', serif;
  font-style: italic;
  font-size: 22px;
  color: var(--ink);
  line-height: 1.5;
}
.founder__copy p { color: var(--ink-3); font-size: 16px; line-height: 1.75; }
.founder__quote em {
  font-family: 'Jost', sans-serif;
  font-size: 12px;
  letter-spacing: .24em;
  text-transform: uppercase;
  color: var(--gold);
  font-style: normal;
}

@media (min-width: 1024px) {
  .founder__grid { grid-template-columns: .8fr 1.2fr; gap: 96px; }
}

/* Contact */
.contact {
  padding-block: 120px;
  background: var(--ink);
  color: var(--paper);
}
.contact__inner {
  display: grid; gap: 64px;
  grid-template-columns: 1fr;
  align-items: start;
}
.contact__copy { display: grid; gap: 24px; }
.contact__copy .ed-h2 { color: var(--paper); margin-block: 8px 8px; }
.contact__copy .ed-h2 em { color: var(--gold-2); }
.contact__copy p { color: rgba(250,250,249,.7); }
.contact__list { display: grid; gap: 12px; padding-top: 16px; }
.contact__list li {
  display: flex; align-items: center; gap: 12px;
  font-size: 14px; color: rgba(250,250,249,.85);
}
.contact__list span {
  width: 20px; height: 1px; background: var(--gold);
}

.contact__form {
  background: rgba(250,250,249,.04);
  border: 1px solid rgba(250,250,249,.1);
  padding: 40px;
  display: grid; gap: 16px;
  grid-template-columns: 1fr;
}
.contact__form label { display: grid; gap: 8px; }
.contact__form span {
  font-family: 'Jost', sans-serif;
  font-size: 11px;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--ink-4);
}
.contact__form input,
.contact__form select,
.contact__form textarea {
  background: transparent;
  border: 0;
  border-bottom: 1px solid rgba(250,250,249,.2);
  padding: 12px 0;
  color: var(--paper);
  font: inherit;
  font-size: 15px;
  font-family: 'Jost', sans-serif;
  transition: border-color var(--t);
}
.contact__form input::placeholder,
.contact__form textarea::placeholder { color: rgba(250,250,249,.3); }
.contact__form input:focus,
.contact__form select:focus,
.contact__form textarea:focus {
  outline: none;
  border-bottom-color: var(--gold);
}
.contact__form select { color: var(--paper); cursor: pointer; }
.contact__form select option { background: var(--ink); color: var(--paper); }
.contact__full { grid-column: 1 / -1; }
.contact__submit {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--ink);
  margin-top: 16px;
  grid-column: 1 / -1;
  width: 100%;
}
.contact__submit:hover { background: var(--gold-2); border-color: var(--gold-2); }
.contact__form small {
  font-size: 12px;
  color: var(--ink-4);
  text-align: center;
  grid-column: 1 / -1;
}
.contact__form small a { color: var(--gold-2); text-decoration: underline; }

@media (min-width: 768px) {
  .contact__form { grid-template-columns: 1fr 1fr; }
}
@media (min-width: 1024px) {
  .contact__inner { grid-template-columns: 1fr 1fr; gap: 96px; }
}

/* Footer */
.ftr {
  background: var(--ink);
  color: var(--ink-4);
  padding-block: 64px 32px;
  border-top: 1px solid rgba(250,250,249,.08);
}
.ftr__main {
  display: grid; gap: 48px;
  grid-template-columns: 1fr;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(250,250,249,.08);
}
.ftr__brand p {
  font-size: 14px;
  color: rgba(250,250,249,.5);
  max-width: 36ch;
  margin-top: 16px;
  line-height: 1.7;
}
.ftr__cols {
  display: grid; gap: 32px;
  grid-template-columns: 1fr 1fr 1fr;
}
.ftr h4 {
  font-family: 'Jost', sans-serif;
  font-size: 11px;
  font-weight: 500;
  letter-spacing: .24em;
  text-transform: uppercase;
  color: var(--gold-2);
  margin-bottom: 16px;
}
.ftr a { display: block; font-size: 14px; color: rgba(250,250,249,.7); padding-block: 4px; transition: color var(--t); }
.ftr a:hover { color: var(--paper); }
.ftr__bot {
  padding-top: 24px;
  display: flex; flex-wrap: wrap; gap: 16px; justify-content: space-between;
  font-size: 11px;
  letter-spacing: .14em;
  text-transform: uppercase;
}
.ftr__bot a { color: var(--gold-2); display: inline; padding: 0; }
@media (min-width: 768px) {
  .ftr__main { grid-template-columns: 1.5fr 2fr; gap: 64px; }
}

/* FAB */
.fab {
  position: fixed; right: 24px; bottom: 24px;
  width: 56px; height: 56px;
  background: var(--gold);
  color: var(--ink);
  border-radius: 50%;
  display: grid; place-items: center;
  box-shadow: 0 0 0 6px rgba(161,98,7,.15), 0 8px 24px rgba(161,98,7,.3);
  z-index: 60;
  transition: transform var(--t), background-color var(--t);
}
.fab:hover { transform: scale(1.06); background: var(--gold-2); }
.fab svg { width: 28px; height: 28px; }

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .01ms !important;
    transition-duration: .01ms !important;
  }
  .hero__edge span { animation: none; }
}