/* VV Advisory — Light / White theme. Navy primary, charcoal secondary, brass highlight. */
:root{
  --bg:#FFFFFF; --bg2:#F6F7F9; --panel:#EEF1F5;
  --navy:#15294F; --navy-deep:#0F1E3D;
  --charcoal:#3A3F4A; --ink:#28303E;
  --muted:#5C6470; --faint:#8A93A1;
  --gold:#B8924A; --gold-soft:#C9A24B; --gold-deep:#9A7836;
  --cream:#F4F1E9;
  --line:#E5E8EC; --line2:#D8DCE2;
  --max:1180px; --serif:'Playfair Display',Georgia,serif;
  --sans:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{background:var(--bg);color:var(--charcoal);font-family:var(--sans);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--max);margin:0 auto;padding:0 28px}
h1,h2,h3,h4{font-family:var(--serif);font-weight:500;line-height:1.13;letter-spacing:0;color:var(--navy)}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
p{color:var(--charcoal)}
.muted{color:var(--muted)}
.eyebrow{font-family:var(--sans);font-size:12px;letter-spacing:4px;text-transform:uppercase;color:var(--gold);font-weight:700}
.section{padding:90px 0;border-top:1px solid var(--line)}
.section h2{font-size:40px;margin:14px 0 18px}
.lead{font-size:20px;color:var(--muted);max-width:34em}
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}

/* buttons */
.btn{display:inline-block;padding:15px 30px;border-radius:2px;font-family:var(--sans);font-size:13px;letter-spacing:1.5px;text-transform:uppercase;font-weight:700;cursor:pointer;transition:.2s;border:1px solid transparent}
.btn-primary{background:var(--gold);color:#fff}
.btn-primary:hover{background:var(--gold-deep)}
.btn-ghost{border-color:var(--line2);color:var(--navy)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold-deep)}
.cta-row{display:flex;gap:16px;flex-wrap:wrap;margin-top:30px}

/* nav */
header.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:flex-start;max-width:var(--max);margin:0 auto;padding:8px 28px}
.brand{display:flex;align-items:center}
.brand img{height:132px;width:auto}
/* utility top bar */
.topbar{background:var(--navy);color:#C7D0DE;font-size:12.5px;letter-spacing:.5px}
.topbar-in{max-width:var(--max);margin:0 auto;padding:8px 28px;display:flex;justify-content:flex-end;gap:24px;align-items:center}
.topbar a{color:#C7D0DE}.topbar a:hover{color:var(--gold-soft)}
.topbar .sep{color:#3a4d72}
/* services dropdown */
.has-drop{position:relative}
.has-drop>a:after{content:" \25BE";font-size:9px;color:var(--gold)}
.drop{display:none;position:absolute;top:100%;left:50%;transform:translateX(-50%);background:#fff;border:1px solid var(--line);border-radius:4px;min-width:230px;padding:8px 0;box-shadow:0 18px 40px rgba(21,41,79,.12)}
.has-drop:hover .drop{display:block}
.drop a{display:block;padding:11px 20px;text-transform:none;letter-spacing:.2px;font-size:14px;color:var(--charcoal)}
.drop a:hover{background:var(--bg2);color:var(--navy)}
/* awards / memberships strip */
.awards{display:flex;flex-wrap:wrap;gap:26px;justify-content:center;align-items:center;margin-top:34px}
.awards .ph{height:58px;width:130px;border:1px dashed var(--line2);border-radius:4px;display:flex;align-items:center;justify-content:center;color:var(--faint);font-size:11px;letter-spacing:1px;text-align:center}
/* post / list cards reuse .card; meta line */
.meta{font-size:12px;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold-deep);margin-bottom:8px}
.menu{display:flex;flex:1;margin-left:44px;gap:26px;align-items:center;font-family:var(--sans);font-size:13px;letter-spacing:1.3px;text-transform:uppercase}
.menu a{color:var(--charcoal);transition:.2s}
.menu a:hover{color:var(--gold-deep)}
.menu .btn{padding:10px 18px;margin-left:auto}
.menu-toggle{display:none;background:none;border:0;color:var(--navy);font-size:26px;cursor:pointer}

/* hero */
.hero{position:relative;overflow:hidden;border-bottom:1px solid var(--line);
  background:radial-gradient(120% 95% at 85% 0%, #EEF2F8 0%, #FFFFFF 58%)}
.hero-in{display:grid;grid-template-columns:1.05fr .95fr;gap:46px;align-items:center;padding:74px 0 86px}
.hero h1{font-size:58px;margin:20px 0 22px}
.hero h1 .gold{color:var(--gold-deep)}
.hero .lead{font-size:20px;color:var(--charcoal)}
.hero-visual{position:relative;display:flex;align-items:center;justify-content:center;min-height:380px;cursor:crosshair}
.hero-visual .mark{width:100%;max-width:460px}
.hero-visual .hint{position:absolute;bottom:4px;left:0;right:0;text-align:center;font-size:12.5px;color:var(--faint);font-style:italic;letter-spacing:.4px}
.lens{position:absolute;width:170px;height:170px;border-radius:50%;pointer-events:none;opacity:0;transition:opacity .15s;
  background-image:url('img/microprint-tile.png');background-repeat:repeat;
  border:6px solid var(--gold);box-shadow:0 20px 50px rgba(21,41,79,.35),inset 0 0 0 2px rgba(255,255,255,.25);z-index:5}
.hero-visual:hover .lens{opacity:1}

/* soft + navy bands */
.band-soft{background:var(--bg2);border-top:1px solid var(--line)}
.band-navy{background:var(--navy);position:relative;overflow:hidden}
.band-navy:before{content:"";position:absolute;inset:0;background:url('img/guilloche.svg') repeat;opacity:.18;pointer-events:none}
.band-navy .wrap{position:relative}
.band-navy h2,.band-navy h3,.band-navy h4{color:var(--cream)}
.band-navy p,.band-navy .lead{color:#C7D0DE}
.band-navy .eyebrow{color:var(--gold-soft)}
.band-navy .btn-ghost{border-color:#33415f;color:var(--cream)}

/* trust strip */
.trust{display:flex;flex-wrap:wrap;gap:18px 40px;justify-content:center;align-items:center;color:var(--navy);font-size:13px;letter-spacing:2px;text-transform:uppercase;padding:26px 0;font-weight:600}
.trust span{display:flex;align-items:center;gap:10px}
.trust span:before{content:"";width:6px;height:6px;background:var(--gold);border-radius:50%}

/* cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.card{background:var(--bg);border:1px solid var(--line);border-radius:4px;padding:34px 30px;transition:.2s}
.card:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:0 18px 40px rgba(21,41,79,.08)}
.card .num{font-family:var(--serif);color:var(--gold);font-size:14px;letter-spacing:3px}
.card h3{font-size:24px;margin:12px 0 10px}
.card p{font-size:15.5px;color:var(--muted)}
.card .more{margin-top:16px;display:inline-block;color:var(--gold-deep);font-size:12px;letter-spacing:2px;text-transform:uppercase}
.band-soft .card{background:#fff}

/* two-col */
.split{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
.codechip{border:1px solid var(--navy-deep);border-radius:6px;min-height:300px;
  background-image:url('img/code-texture.jpg');background-size:cover;background-position:center;
  box-shadow:inset 0 0 90px rgba(0,0,0,.5)}

/* stats */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;text-align:center}
.stat .big{font-family:var(--serif);font-size:48px;color:var(--navy);line-height:1}
.stat .lbl{color:var(--muted);font-size:13px;letter-spacing:1.5px;text-transform:uppercase;margin-top:10px}

/* founder */
.founder{display:grid;grid-template-columns:160px 1fr;gap:34px;align-items:center;background:var(--bg2);border:1px solid var(--line);border-radius:6px;padding:38px}
.founder .ph{width:160px;height:160px;border-radius:50%;background:#fff;border:1px solid var(--line2);display:flex;align-items:center;justify-content:center;color:var(--faint);font-size:12px;text-align:center;letter-spacing:1px}
.founder blockquote{font-family:var(--serif);font-size:21px;line-height:1.5;color:var(--navy)}
.founder cite{display:block;margin-top:14px;color:var(--gold-deep);font-style:normal;font-size:14px;letter-spacing:1px}

/* FAQ */
.faq{max-width:840px;margin:0 auto}
.faq details{border-bottom:1px solid var(--line);padding:6px 0}
.faq summary{cursor:pointer;list-style:none;padding:18px 0;font-family:var(--serif);font-size:20px;color:var(--navy);display:flex;justify-content:space-between;gap:20px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";color:var(--gold);font-size:24px;line-height:1}
.faq details[open] summary:after{content:"–"}
.faq p{color:var(--muted);font-size:16px;padding:0 0 20px}

/* forms */
.form{background:#fff;border:1px solid var(--line);border-radius:6px;padding:36px;box-shadow:0 18px 50px rgba(21,41,79,.06)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{margin-bottom:18px;display:flex;flex-direction:column}
.field.full{grid-column:1/-1}
label{font-size:12px;letter-spacing:1.5px;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
input,select,textarea{background:var(--bg2);border:1px solid var(--line2);border-radius:3px;color:var(--ink);padding:13px 14px;font-family:var(--sans);font-size:15px}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold);background:#fff}
textarea{min-height:120px;resize:vertical}
.form .note{color:var(--faint);font-size:12.5px;margin-top:10px}
.calc .field{margin-bottom:14px}
.calc-out{margin-top:20px;padding-top:18px;border-top:1px solid var(--line)}
.calc-big{font-family:var(--serif);font-size:34px;color:var(--gold-deep);line-height:1.05}
.calc-sub{color:var(--muted);font-size:13px;margin-top:6px}

.codechip.res{background-image:url('img/residential.jpg')}
.codechip.com{background-image:url('img/commercial.jpg')}
.codechip.dev{background-image:url('img/development.jpg')}
.codechip.res,.codechip.com,.codechip.dev{box-shadow:inset 0 0 60px rgba(7,15,34,.30);border-color:var(--line)}

/* polish: nav shrink, reveal, hover, feature band */
.brand img{transition:height .25s ease}
header.nav.scrolled{box-shadow:0 8px 30px rgba(21,41,79,.10)}
header.nav.scrolled .brand img{height:82px}
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}
.codechip{transition:transform .6s ease,box-shadow .3s ease}
.split .codechip:hover{transform:scale(1.015)}
.feature{position:relative;min-height:440px;display:flex;align-items:center;background-size:cover;background-position:center;background-attachment:fixed;border-top:1px solid var(--line)}
.feature:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,22,48,.88),rgba(11,22,48,.5))}
.feature .wrap{position:relative;z-index:1;padding:80px 28px}
.feature .eyebrow{color:var(--gold-soft)}
.feature h2{color:#fff;font-size:44px;max-width:20ch;margin:14px 0 22px}
@media(max-width:880px){.feature{background-attachment:scroll;min-height:360px}.feature h2{font-size:30px}}

/* Shore-style home hero */
.shero{position:relative;min-height:660px;display:flex;align-items:center;overflow:hidden;border-bottom:1px solid var(--line)}
.shero-canvas{position:absolute;inset:0;width:100%;height:100%;z-index:0;display:block}
.shero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0;opacity:0;transition:opacity .8s ease}
.shero-video.ready{opacity:1}
.shero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,22,48,.92),rgba(11,22,48,.64) 50%,rgba(11,22,48,.42));z-index:1}
.herostats{display:flex;gap:42px;margin-top:32px;flex-wrap:wrap}
.herostats strong{font-family:var(--serif);font-size:30px;color:#fff;display:block;line-height:1}
.herostats span{font-size:11px;letter-spacing:1.5px;text-transform:uppercase;color:var(--gold-soft)}
.shero-in{position:relative;z-index:2;padding:88px 28px}
.shero .eyebrow{color:var(--gold-soft)}
.shero h1{font-size:62px;color:#fff;max-width:15ch;margin:16px 0 18px}
.shero h1 .gold{color:var(--gold-soft)}
.shero .lead{color:#D6DEEA;font-size:21px;max-width:42ch}
.shero .btn-ghost{border-color:rgba(255,255,255,.45);color:#fff}
.shero .btn-ghost:hover{border-color:var(--gold);color:var(--gold-soft)}
.intent{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:40px}
.intent-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.22);border-radius:6px;padding:22px;color:#fff;transition:.2s;display:block}
.intent-card:hover{background:var(--gold);border-color:var(--gold);transform:translateY(-3px)}
.intent-card .iw{display:block;font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--gold-soft)}
.intent-card:hover .iw{color:#fff}
.intent-card strong{display:block;font-family:var(--serif);font-weight:500;font-size:21px;color:#fff}
.intent-card .id{display:block;font-size:13.5px;color:#C7D0DE;margin:8px 0 14px;line-height:1.5}
.intent-card:hover .id{color:#fff}
.intent-card .ia{display:block;color:var(--gold-soft);font-size:12px;letter-spacing:1px;text-transform:uppercase}
.intent-card:hover .ia{color:#fff}
.intent-card:hover .ia{color:#fff}
/* relocated code-reveal */
.magnify{position:relative;display:flex;align-items:center;justify-content:center;min-height:340px;cursor:crosshair;background:var(--bg2);border:1px solid var(--line);border-radius:6px;overflow:hidden}
.magnify .mark{width:100%;max-width:420px}
.magnify .hint{position:absolute;bottom:10px;left:0;right:0;text-align:center;font-size:12px;color:var(--faint);font-style:italic}
.magnify:hover .lens{opacity:1}
@media(max-width:880px){.shero{min-height:560px}.shero h1{font-size:38px}.shero-in{padding:60px 22px}.intent{grid-template-columns:1fr}}

/* SEO: page-title h1 */
.section h1,.ph1{font-family:var(--serif);font-weight:500;font-size:40px;line-height:1.13;letter-spacing:0;margin:14px 0 18px;color:var(--navy)}
@media(max-width:880px){.section h1,.ph1{font-size:30px}}

/* lender panel */
.lender-marquee{overflow:hidden;margin-top:46px;position:relative;-webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}
.lender-track{display:flex;align-items:center;gap:58px;width:max-content;animation:lscroll 48s linear infinite}
.lender-marquee:hover .lender-track{animation-play-state:paused}
.lender{display:flex;align-items:center;justify-content:center;height:46px;flex:0 0 auto}
.lender img{height:38px;width:auto;opacity:.95}
@keyframes lscroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(max-width:880px){.lender img{height:30px}.lender-track{gap:40px}}
/* header-logo magnifier easter egg (override the big .magnify box styles) */
.brand.magnify{position:relative;overflow:visible;min-height:0;background:none;border:0;border-radius:0;cursor:pointer;display:flex}
.brand.magnify .lens{width:84px;height:84px;border-width:4px}


/* footer (premium) */
footer{background:var(--navy);border-top:3px solid var(--gold);color:#C7D0DE;font-size:14px}
.foot-cta{background:var(--navy-deep)}
.foot-cta .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:46px 28px;border-bottom:1px solid #2a3a5b}
.foot-cta .eyebrow{color:var(--gold-soft)}
.foot-cta h3{color:#fff;font-size:30px;margin-top:6px}
.foot-main{padding:60px 28px 34px;max-width:var(--max);margin:0 auto}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px}
.foot-brand img{height:78px;margin-bottom:16px}
.foot-brand p{color:#9fb0c6;max-width:34ch}
.foot-social{display:flex;gap:12px;margin-top:20px}
.foot-social a{width:38px;height:38px;border:1px solid #33415f;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#C7D0DE;transition:.2s}
.foot-social a:hover{border-color:var(--gold);color:var(--gold-soft);transform:translateY(-2px)}
footer h4{font-family:var(--sans);font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--gold-soft);margin-bottom:16px}
footer ul{list-style:none}footer li{margin-bottom:10px}
footer a{color:#C7D0DE;transition:.2s}footer a:hover{color:var(--gold-soft)}
.foot-bottom{border-top:1px solid #2a3a5b;margin-top:48px;padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;color:#7f90a8;font-size:12.5px}
.tag-placeholder{color:var(--gold-soft)}
@media(max-width:880px){.foot-grid{grid-template-columns:1fr 1fr}.foot-cta .wrap{flex-direction:column;align-items:flex-start}}

/* ============ Calculators ============ */
.calc-hero{padding:64px 0 8px}
.calc-hero .eyebrow{justify-content:center}
.calc-layout{display:grid;grid-template-columns:1.05fr .95fr;gap:30px;align-items:start}
.calc-panel{background:#fff;border:1px solid var(--line);border-radius:8px;padding:30px 30px 26px;box-shadow:0 18px 50px rgba(21,41,79,.06)}
.calc-panel h2,.calc-panel h3{font-size:19px;margin-bottom:18px}
.calc .field{margin-bottom:18px}
.calc .grid2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.calc .grid2 .field{margin-bottom:8px}
/* number + slider */
.rngwrap{display:flex;flex-direction:column;gap:9px}
.rngwrap .topline{display:flex;justify-content:space-between;align-items:baseline}
.rngwrap input[type=number]{width:auto;max-width:150px;text-align:right;font-weight:600;font-size:16px;border:1px solid var(--line2);background:#fff}
input[type=range]{-webkit-appearance:none;appearance:none;height:5px;padding:0;border:0;border-radius:5px;background:linear-gradient(90deg,var(--navy),var(--gold));cursor:pointer;accent-color:var(--gold)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;height:20px;width:20px;border-radius:50%;background:#fff;border:2px solid var(--gold);box-shadow:0 2px 8px rgba(21,41,79,.25);cursor:pointer}
input[type=range]::-moz-range-thumb{height:18px;width:18px;border-radius:50%;background:#fff;border:2px solid var(--gold);box-shadow:0 2px 8px rgba(21,41,79,.25);cursor:pointer}
/* toggle switch (checkbox) */
.switch{display:flex;align-items:center;gap:12px;cursor:pointer;margin-bottom:8px}
.switch input{position:absolute;opacity:0;width:0;height:0}
.switch .track{width:46px;height:26px;border-radius:20px;background:var(--line2);position:relative;transition:background .2s;flex:none}
.switch .track:after{content:"";position:absolute;top:3px;left:3px;width:20px;height:20px;border-radius:50%;background:#fff;box-shadow:0 1px 4px rgba(0,0,0,.25);transition:left .2s}
.switch input:checked + .track{background:var(--gold)}
.switch input:checked + .track:after{left:23px}
.switch .lbl{font-size:14px;color:var(--ink);text-transform:none;letter-spacing:0;margin:0}
/* result card */
.calc-result{position:sticky;top:96px;background:linear-gradient(160deg,#0F1E3D,#15294F 60%,#1b3461);border-radius:8px;padding:32px 30px;color:#fff;box-shadow:0 26px 60px rgba(15,30,61,.30);overflow:hidden}
.calc-result:before{content:"";position:absolute;inset:0;background:radial-gradient(120% 80% at 100% 0,rgba(184,146,74,.20),transparent 60%);pointer-events:none}
.calc-result .eyebrow{color:var(--gold-soft)}
.calc-headline{font-family:var(--serif);font-size:50px;line-height:1.02;color:#fff;margin:6px 0 2px}
.calc-headline.gold{color:var(--gold-soft)}
.calc-result .unit{font-size:14px;color:#C7D0DE;margin-bottom:18px}
.calc-chart{height:12px;border-radius:6px;overflow:hidden;margin:18px 0 8px;background:rgba(255,255,255,.1)}
.calc-chart canvas{display:block;width:100%;height:100%}
.legend{display:flex;gap:18px;font-size:12px;color:#C7D0DE;margin-bottom:18px}
.legend span:before{content:"";display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:6px;vertical-align:middle}
.legend .pn:before{background:#5C77B0}.legend .it:before{background:var(--gold)}
.calc-stats{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:rgba(255,255,255,.12);border-radius:6px;overflow:hidden;margin-top:6px}
.calc-stats div{background:rgba(255,255,255,.04);padding:14px 16px}
.calc-stats .k{font-size:11px;letter-spacing:1.2px;text-transform:uppercase;color:#9FB0CC}
.calc-stats .v{font-size:20px;font-weight:600;margin-top:4px;color:#fff}
.breakdown{margin-top:8px}
.breakdown .row{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px solid var(--line);font-size:15px}
.breakdown .row:last-child{border-bottom:0}
.breakdown .row.total{font-weight:700;color:var(--navy);border-top:2px solid var(--navy);border-bottom:0;margin-top:4px;padding-top:14px;font-size:17px}
.breakdown .row .lab{color:var(--charcoal)}
.breakdown .row .amt{font-variant-numeric:tabular-nums;font-weight:600}
.calc-note{font-size:13px;line-height:1.5;color:#C7D0DE;margin-top:16px;padding-top:14px;border-top:1px solid rgba(255,255,255,.14)}
.calc-verdict{margin-top:16px;padding:14px 16px;border-radius:6px;background:rgba(255,255,255,.08);font-size:14.5px;line-height:1.5;border-left:3px solid var(--gold)}
.calc-verdict.good{border-left-color:#46B17B}.calc-verdict.warn{border-left-color:#D98A3D}
.calc-disclaimer{font-size:12.5px;color:var(--faint);line-height:1.55;margin-top:24px;max-width:760px}
.calc-cta{margin-top:22px}
.calc-cta .btn{width:100%;text-align:center}
/* hub cards */
.calc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.calc-card{display:block;background:#fff;border:1px solid var(--line);border-radius:8px;padding:26px;transition:transform .2s,box-shadow .2s,border-color .2s}
.calc-card:hover{transform:translateY(-4px);box-shadow:0 20px 44px rgba(21,41,79,.12);border-color:var(--gold)}
.calc-card .ic{width:44px;height:44px;border-radius:9px;background:var(--cream);display:flex;align-items:center;justify-content:center;margin-bottom:16px;color:var(--gold-deep)}
.calc-card h3{font-size:18px;margin-bottom:8px}
.calc-card p{color:var(--muted);font-size:14.5px;line-height:1.55}
.calc-card .go{color:var(--gold-deep);font-size:13px;font-weight:600;margin-top:14px;letter-spacing:.5px}
@media(max-width:880px){.calc-layout{grid-template-columns:1fr}.calc-result{position:static}.calc-grid{grid-template-columns:1fr 1fr}.calc-headline{font-size:42px}}
@media(max-width:560px){.calc-grid{grid-template-columns:1fr}.calc .grid2{grid-template-columns:1fr}}
.team-av{width:120px;height:120px;border-radius:50%;display:block;margin:0 auto 16px;box-shadow:0 8px 24px rgba(21,41,79,.16)}
.codechip.team{background-image:url('img/about-team.jpg');box-shadow:inset 0 0 50px rgba(7,15,34,.20);border-color:var(--line)}
.codechip.syd{background-image:url('img/about-sydney.jpg');box-shadow:inset 0 0 70px rgba(7,15,34,.30);border-color:var(--line)}

/* ============ Insights / articles ============ */
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.post-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:8px;overflow:hidden;transition:transform .2s,box-shadow .2s,border-color .2s;text-decoration:none}
.post-card:hover{transform:translateY(-4px);box-shadow:0 22px 46px rgba(21,41,79,.13);border-color:var(--gold)}
.post-img{height:184px;background-size:cover;background-position:center;background-color:var(--navy)}
.post-body{padding:22px 22px 24px;display:flex;flex-direction:column;flex:1}
.post-body .meta{font-size:11px;letter-spacing:1.3px;text-transform:uppercase;color:var(--gold-deep);margin-bottom:10px}
.post-body h3{font-size:18px;line-height:1.28;margin-bottom:10px;color:var(--navy)}
.post-body p{color:var(--muted);font-size:14.5px;line-height:1.55;flex:1}
.post-body .more{color:var(--gold-deep);font-weight:600;font-size:13px;margin-top:16px;letter-spacing:.4px}
.article-hero{width:100%;border-radius:10px;display:block;box-shadow:0 22px 54px rgba(21,41,79,.14)}
.article-meta{color:var(--faint);font-size:13px;letter-spacing:.5px;margin-top:16px}
.article{font-size:17px;line-height:1.78;color:var(--charcoal)}
.article h2{font-family:var(--serif);font-weight:500;font-size:25px;color:var(--navy);margin:36px 0 12px}
.article p{margin-bottom:16px}
.article ul{margin:0 0 16px 22px}
.article li{margin-bottom:8px}
.article-callout{background:var(--cream);border-left:3px solid var(--gold);border-radius:6px;padding:20px 22px;margin:30px 0 4px}
.article-callout h4{font-size:16px;color:var(--navy);margin-bottom:6px}
.article-callout a{color:var(--gold-deep);font-weight:600}
.eyebrow a{color:inherit;text-decoration:none}
.eyebrow a:hover{color:var(--gold-deep)}
@media(max-width:880px){.posts{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.posts{grid-template-columns:1fr}}

/* ============ Mobile optimisation ============ */
img{max-width:100%}
@media(max-width:820px){
  /* --- navigation: hamburger --- */
  .brand img{height:72px}
  .nav-in{padding:6px 16px}
  .menu-toggle{display:block;margin-left:auto;line-height:1;padding:6px}
  .menu{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;margin:0;background:#fff;border-top:1px solid var(--line);box-shadow:0 20px 44px rgba(21,41,79,.16);padding:4px 0;max-height:82vh;overflow:auto}
  .menu.open{display:flex}
  .menu>a{padding:15px 20px;border-bottom:1px solid var(--line)}
  .has-drop{position:static}
  .has-drop>a{display:block;padding:15px 20px;border-bottom:1px solid var(--line)}
  .has-drop>a:after{float:right;content:" \25BE"}
  .drop{display:block;position:static;transform:none;border:0;box-shadow:none;min-width:0;padding:2px 0 8px;background:var(--bg2)}
  .drop a{padding:12px 34px;border-bottom:1px solid var(--line)}
  .menu .btn{margin:12px 20px 14px;padding:14px;text-align:center}
  /* --- collapse multi-column layouts --- */
  .hero-in{grid-template-columns:1fr;gap:28px;padding:46px 0 52px}
  .hero-visual{display:none}
  .split{grid-template-columns:1fr;gap:28px}
  .cards{grid-template-columns:1fr;gap:18px}
  .form .row{grid-template-columns:1fr}
}
@media(max-width:560px){
  body{font-size:16px}
  .wrap{padding:0 18px}
  .section{padding:48px 0}
  .section h1,.ph1,.hero h1,.shero h1{font-size:26px}
  .calc-headline{font-size:34px}
  .article h2{font-size:21px}
  .stats{grid-template-columns:1fr;gap:18px}
  .calc-stats{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .cta-row .btn,.calc-cta .btn{width:100%;text-align:center}
  .topbar-in{justify-content:center}
}