/* TomanFin - shared, dependency-free styles */
:root{--pine:#203b38;--pine-2:#2f625a;--paper:#f4f0e6;--paper-2:#fbfaf6;--brass:#ff6b24;--ink:#21333a;--muted:#66726f;--line:#d9ded6;--white:#fff;--shadow:0 20px 55px rgba(32,59,56,.09);--serif:Georgia,"Times New Roman",serif;--sans:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:94px}body{margin:0;background:var(--paper-2);color:var(--ink);font:16px/1.65 var(--sans);-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto;display:block}a{color:inherit}button,input,textarea{font:inherit}.wrap{width:min(var(--max),calc(100% - 48px));margin-inline:auto}.skip{position:absolute;left:-10000px;top:10px;background:#fff;padding:12px;z-index:100}.skip:focus{left:10px}.site-header{height:78px;position:sticky;top:0;z-index:20;background:rgba(251,250,246,.95);backdrop-filter:blur(12px);border-bottom:1px solid rgba(32,59,56,.1)}.nav{height:100%;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;font-weight:780;font-size:22px;letter-spacing:-.04em;color:var(--pine)}.brand-mark{width:28px;height:28px;border:2px solid var(--pine-2);border-radius:9px;position:relative;transform:rotate(-8deg)}.brand-mark:after{content:"";position:absolute;width:8px;height:8px;background:var(--brass);right:-4px;top:-4px;border-radius:50%}.nav-links{display:flex;align-items:center;gap:27px}.nav-links a{text-decoration:none;color:#52625f;font-size:14px;font-weight:650}.nav-links a:hover,.nav-links a:focus-visible{color:var(--pine-2)}.nav-cta,.button{display:inline-flex;align-items:center;justify-content:center;gap:9px;border:0;border-radius:999px;background:var(--pine);color:#fff;text-decoration:none;font-weight:700;padding:13px 20px;transition:transform .18s ease,background .18s ease;cursor:pointer}.nav-cta{padding:11px 17px;font-size:14px}.button:hover,.nav-cta:hover{background:var(--pine-2);transform:translateY(-1px)}.button.secondary{background:transparent;color:var(--pine);border:1px solid rgba(32,59,56,.35)}.button.secondary:hover{background:#eef1eb}.menu-button{display:none;border:1px solid var(--line);background:var(--paper-2);color:var(--pine);border-radius:13px;padding:9px 13px;font-weight:700}.eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:.16em;font-weight:750;color:var(--pine-2)}h1,h2,h3,p{margin-top:0}h1,h2,.serif{font-family:var(--serif);font-weight:500;letter-spacing:-.035em}h1{font-size:clamp(42px,6.4vw,76px);line-height:1.02;color:var(--pine);margin:18px 0 22px}h2{font-size:clamp(32px,4vw,48px);line-height:1.12;color:var(--pine);margin-bottom:18px}h3{font-size:20px;line-height:1.25;color:var(--pine);margin-bottom:10px}.lead{font-size:clamp(18px,2vw,21px);line-height:1.6;color:#52625f;max-width:630px}.hero{padding:66px 0 76px;background:var(--paper);overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:64px;align-items:center}.hero-copy{padding-block:20px}.hero .actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 18px}.micro{font-size:13px;color:var(--muted)}.portrait-frame{position:relative;max-width:465px;margin-left:auto;padding:0 0 34px 34px}.portrait-frame:before{content:"";position:absolute;left:0;bottom:0;width:74%;height:81%;border-radius:38px;background:#dfe8e1}.portrait-frame img{position:relative;width:100%;height:510px;object-fit:cover;object-position:50% 38%;border-radius:190px 190px 26px 26px;box-shadow:var(--shadow)}.portrait-note{position:absolute;right:-14px;bottom:4px;background:var(--paper-2);padding:14px 18px;border-radius:18px;box-shadow:var(--shadow);max-width:225px}.portrait-note strong{display:block;color:var(--pine)}.portrait-note span{font-size:12px;color:var(--muted)}.trust-row{display:flex;gap:22px;flex-wrap:wrap;color:#60706c;font-size:13px}.trust-row span:before{content:"•";color:var(--brass);margin-right:8px}.section{padding:86px 0}.section.paper{background:var(--paper)}.section-head{max-width:720px;margin-bottom:34px}.section-head p{font-size:17px;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.card{padding:28px;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 7px 25px rgba(32,59,56,.035)}.card .number{color:var(--brass);font-weight:800;font-size:12px;letter-spacing:.1em}.card p{color:#5e6c68;margin-bottom:0}.card a{display:inline-block;margin-top:18px;color:var(--pine-2);font-weight:750;text-decoration:none}.card a:hover{text-decoration:underline}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;counter-reset:step}.step{padding-top:16px;border-top:2px solid var(--brass)}.step-num{color:var(--pine-2);font-size:13px;font-weight:800;letter-spacing:.08em}.step p{color:var(--muted)}.trust-band{background:var(--pine);color:#fff;border-radius:26px;padding:42px 44px;display:flex;justify-content:space-between;align-items:center;gap:25px}.trust-band h2{color:#fff;margin-bottom:8px}.trust-band p{margin-bottom:0;color:#dce7e1}.trust-band .button{background:var(--paper);color:var(--pine);white-space:nowrap}.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:54px;align-items:start}.contact-info{padding:20px 0}.contact-items{display:grid;gap:10px;margin:25px 0}.contact-item{display:flex;gap:14px;align-items:center;text-decoration:none;padding:14px 16px;border:1px solid var(--line);border-radius:16px;background:#fff}.contact-item small{display:block;color:var(--muted)}.contact-item strong{font-size:17px;color:var(--pine)}.contact-symbol{width:40px;height:40px;display:grid;place-items:center;border-radius:13px;background:var(--paper);color:var(--pine-2);font-weight:800}.form-card{background:#fff;border:1px solid var(--line);padding:28px;border-radius:24px;box-shadow:var(--shadow)}.field{display:grid;gap:6px;margin-bottom:16px}.field label{font-size:14px;font-weight:700;color:var(--pine)}.field input,.field textarea{width:100%;padding:13px 14px;border:1px solid #cdd5cf;border-radius:12px;background:#fdfdfb;color:var(--ink)}.field input:focus,.field textarea:focus{outline:3px solid rgba(47,98,90,.2);border-color:var(--pine-2)}.field textarea{min-height:118px;resize:vertical}.form-note{font-size:12px;color:var(--muted);margin:12px 0 0}.legal-strip{padding:26px 0;border-top:1px solid var(--line);font-size:13px;color:var(--muted)}.site-footer{background:#172e2d;color:#e9eee8;padding:50px 0 24px}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:34px}.site-footer h3{color:#fff;font-size:15px}.site-footer a{color:#dce7e1}.footer-links{display:grid;gap:8px;font-size:13px}.footer-meta{border-top:1px solid rgba(255,255,255,.18);margin-top:32px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;font-size:12px;color:#bdcbc5}.site-footer .brand{color:#fff}.site-footer .brand-mark{border-color:#b6cec4}.site-footer .brand-mark:after{background:var(--brass)}.legal-text{font-size:12px;line-height:1.65;color:#c7d4ce;margin-top:18px;max-width:850px}.subhero{padding:70px 0 54px;background:var(--paper)}.subhero-grid{display:grid;grid-template-columns:1fr 390px;gap:52px;align-items:center}.subhero h1{font-size:clamp(40px,5.5vw,64px)}.subhero-photo{height:350px;width:100%;object-fit:cover;object-position:50% 38%;border-radius:28px 150px 28px 28px;box-shadow:var(--shadow)}.bullets{list-style:none;padding:0;display:grid;gap:14px}.bullets li{padding-left:28px;position:relative;color:#52625f}.bullets li:before{content:"✓";position:absolute;left:0;top:0;color:var(--pine-2);font-weight:800}.note-box{border-left:3px solid var(--brass);background:#f4f0e6;padding:20px 22px;border-radius:0 14px 14px 0;color:#4c5b57}.fee-box{padding:24px;border-radius:20px;background:#e8eee7;border:1px solid #d6e0d6}.fee-box h3{margin-bottom:8px}.fee-box p{margin-bottom:0;color:#52625f}.legal-page{padding:56px 0 80px}.legal-content{max-width:850px}.legal-content h1{font-size:52px}.legal-content h2{font-family:var(--sans);font-size:22px;font-weight:750;letter-spacing:-.02em;margin:30px 0 10px}.legal-content p,.legal-content li{color:#52625f}.thankyou{min-height:60vh;padding:110px 0;text-align:center;background:var(--paper)}.thankyou h1{font-size:58px}.ad-disclosure{font-size:12px;color:var(--muted);margin-top:26px}.badge{display:inline-block;background:#e6ede6;padding:7px 12px;border-radius:999px;color:var(--pine-2);font-size:12px;font-weight:750}.anchor{scroll-margin-top:100px}
@media(max-width:900px){.hero-grid{gap:32px;grid-template-columns:1fr .82fr}.portrait-frame img{height:420px}.nav-links{gap:17px}.subhero-grid{grid-template-columns:1fr 310px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}
@media(max-width:700px){.wrap{width:min(var(--max),calc(100% - 34px))}.site-header{height:70px}.menu-button{display:inline-flex}.nav-links{display:none;position:absolute;left:0;right:0;top:69px;padding:18px 22px 22px;background:var(--paper-2);border-bottom:1px solid var(--line);box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:0}.nav-links.open{display:flex}.nav-links a{padding:12px 4px;border-bottom:1px solid var(--line)}.nav-cta{display:none}.hero{padding:46px 0 52px}.hero-grid{grid-template-columns:1fr;gap:30px}.hero-copy{padding:0}.hero h1{font-size:49px}.portrait-frame{width:min(88%,390px);margin:0 auto;padding:0 0 24px 20px}.portrait-frame img{height:390px;border-radius:150px 150px 20px 20px}.portrait-note{right:-18px;bottom:0}.section{padding:62px 0}.cards,.steps{grid-template-columns:1fr}.card{padding:24px}.trust-band{padding:30px 24px;align-items:flex-start;flex-direction:column}.contact-grid{grid-template-columns:1fr;gap:24px}.form-card{padding:22px}.footer-grid{grid-template-columns:1fr;gap:25px}.footer-grid>div:first-child{grid-column:auto}.footer-meta{flex-direction:column}.subhero{padding:48px 0 36px}.subhero-grid{grid-template-columns:1fr;gap:26px}.subhero-photo{height:300px;max-width:480px}.subhero h1{font-size:46px}.legal-page{padding:42px 0 60px}.legal-content h1{font-size:43px}.trust-row{gap:11px}.ad-disclosure{max-width:520px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}

/* Added calculators, navigation and user-selectable dark palette */
:root{--surface:#fff;--surface-2:#f4f0e6;--text-soft:#52625f}
.nav-actions{display:flex;align-items:center;gap:12px}.theme-toggle{display:inline-flex;align-items:center;gap:7px;border:1px solid var(--line);border-radius:999px;padding:9px 12px;background:var(--surface);color:var(--text-soft);font-size:12px;font-weight:700;cursor:pointer;white-space:nowrap}.theme-toggle:hover{border-color:var(--pine-2);color:var(--pine)}
.cards-four{grid-template-columns:repeat(4,1fr)}.resource-links{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}.resource-links a{display:inline-flex;padding:10px 14px;border:1px solid var(--line);border-radius:999px;background:var(--surface);text-decoration:none;color:var(--pine-2);font-weight:700;font-size:14px}.resource-links a:hover{border-color:var(--brass)}.two-panel{display:grid;grid-template-columns:1fr 1fr;gap:35px;align-items:center}.note-box a{color:var(--pine-2);font-weight:750}.simulator{display:grid;grid-template-columns:1.1fr .9fr;border:1px solid var(--line);border-radius:24px;overflow:hidden;background:var(--surface);box-shadow:var(--shadow)}.simulator-controls{padding:28px}.simulator-result{padding:32px;background:var(--surface-2);display:flex;flex-direction:column;justify-content:center}.range-field{margin-bottom:24px}.number-row{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:13px}.number-row input[type=number]{min-width:0;width:100%;padding:12px 13px;border:1px solid var(--line);border-radius:11px;background:var(--surface);color:var(--ink);font-weight:700}.range-field input[type=range]{width:100%;accent-color:var(--pine-2);margin-top:12px}.result-big{display:block;font-size:clamp(30px,4vw,44px);color:var(--pine);line-height:1.2;margin:8px 0 22px;letter-spacing:-.04em}.result-pair{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:14px 0 22px}.result-pair div{display:grid;gap:4px}.result-pair span{font-size:12px;color:var(--muted)}.result-pair strong{font-size:17px;color:var(--pine)}.stack-bar{display:flex;overflow:hidden;height:15px;border-radius:999px;background:var(--line)}.stack-bar span{display:block;height:100%;transition:width .2s ease}.stack-bar span:first-child{background:var(--pine-2)}.stack-bar span:last-child{background:var(--brass)}.bar-legend{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:12px;font-size:12px;color:var(--text-soft)}.bar-legend span{display:flex;align-items:center;gap:5px;flex-wrap:wrap}.dot{display:inline-block;width:9px;height:9px;border-radius:50%}.dot-deposits{background:var(--pine-2)}.dot-growth{background:var(--brass)}.risk-note{margin-top:22px}.loan-calculator{display:grid;grid-template-columns:1fr .8fr;gap:24px;padding:26px;background:var(--surface);border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow)}.loan-controls{display:grid;grid-template-columns:1fr 1fr;gap:8px 16px;align-content:center}.loan-controls .field:first-child{grid-column:1/-1}.loan-result{padding:24px;border-radius:18px;background:var(--surface-2);align-self:center}.loan-result .result-big{font-size:clamp(30px,3.7vw,40px);margin-bottom:20px}.loan-result .result-pair{margin-bottom:8px}.loan-result .stack-bar span:first-child{background:var(--pine-2)}.loan-result .stack-bar span:last-child{background:#ff6b24}
html[data-theme="dark"]{color-scheme:dark;--pine:#dbe9e1;--pine-2:#a9c8b8;--paper:#1a2421;--paper-2:#111816;--surface:#202b27;--surface-2:#26342f;--ink:#e6eee9;--muted:#aab8b1;--text-soft:#c1ccc6;--line:#3a4b44;--brass:#d8aa6b;--shadow:0 20px 55px rgba(0,0,0,.24)}
html[data-theme="dark"] .site-header{background:rgba(17,24,22,.94);border-bottom-color:var(--line)}html[data-theme="dark"] .brand-mark{border-color:var(--pine-2)}html[data-theme="dark"] .nav-links a,html[data-theme="dark"] .lead,html[data-theme="dark"] .trust-row,html[data-theme="dark"] .card p,html[data-theme="dark"] .step p,html[data-theme="dark"] .legal-content p,html[data-theme="dark"] .legal-content li,html[data-theme="dark"] .bullets li,html[data-theme="dark"] .fee-box p{color:var(--text-soft)}html[data-theme="dark"] .button,html[data-theme="dark"] .nav-cta{background:var(--pine-2);color:#13201b}html[data-theme="dark"] .button:hover,html[data-theme="dark"] .nav-cta:hover{background:#bdd7ca}html[data-theme="dark"] .button.secondary{color:var(--pine);border-color:var(--line)}html[data-theme="dark"] .button.secondary:hover{background:var(--surface-2)}html[data-theme="dark"] .menu-button{background:var(--surface);color:var(--pine)}html[data-theme="dark"] .card,html[data-theme="dark"] .contact-item,html[data-theme="dark"] .form-card,html[data-theme="dark"] .simulator{background:var(--surface)}html[data-theme="dark"] .contact-item,html[data-theme="dark"] .field input,html[data-theme="dark"] .field textarea,html[data-theme="dark"] .number-row input[type=number]{background:#17211e;color:var(--ink);border-color:var(--line)}html[data-theme="dark"] .fee-box,html[data-theme="dark"] .note-box{background:var(--surface-2);border-color:var(--line);color:var(--text-soft)}html[data-theme="dark"] .portrait-frame:before{background:#334740}html[data-theme="dark"] .portrait-note{background:var(--surface);color:var(--ink)}html[data-theme="dark"] .trust-band{background:#263833}html[data-theme="dark"] .trust-band h2{color:#f2f5f0}html[data-theme="dark"] .trust-band p{color:#d0ddd6}html[data-theme="dark"] .trust-band .button{background:#e0ece5;color:#18312a}html[data-theme="dark"] .site-footer{background:#0c1210}html[data-theme="dark"] .stack-bar{background:var(--line)}html[data-theme="dark"] .legal-strip{border-color:var(--line)}html[data-theme="dark"] .theme-toggle{background:var(--surface);color:var(--text-soft)}html[data-theme="dark"] .resource-links a{background:var(--surface)}html[data-theme="dark"] .contact-symbol{background:var(--surface-2)}
@media(max-width:1050px){.nav-links{gap:15px}.nav-links a{font-size:13px}.nav-cta{padding:10px 13px}.theme-toggle{padding:8px 9px}.theme-toggle span:last-child{display:none}}
@media(max-width:900px){.cards-four{grid-template-columns:repeat(2,1fr)}.simulator{grid-template-columns:1fr}.simulator-result{padding:26px}.loan-calculator{grid-template-columns:1fr}.nav-links{gap:12px}.nav-links a{font-size:12px}.nav-cta{display:none}}
@media(max-width:760px){.nav{gap:10px}.nav-links{display:none;position:absolute;left:0;right:0;top:69px;padding:12px 20px 18px;background:var(--paper-2);border-bottom:1px solid var(--line);box-shadow:var(--shadow);flex-direction:column;align-items:stretch;gap:0}.nav-links.open{display:flex}.nav-links a{padding:12px 4px;border-bottom:1px solid var(--line);font-size:14px}.menu-button{display:inline-flex}.nav-cta{display:none}.theme-toggle span:last-child{display:inline}.nav-actions{margin-left:auto}.two-panel{grid-template-columns:1fr}.cards-four{grid-template-columns:1fr}.loan-controls{grid-template-columns:1fr}.loan-controls .field:first-child{grid-column:auto}.simulator-controls{padding:20px}.result-pair{grid-template-columns:1fr 1fr}.bar-legend{grid-template-columns:1fr 1fr}}
.amortization{margin-top:18px;border:1px solid var(--line);border-radius:16px;background:var(--surface);overflow:hidden}.amortization summary{cursor:pointer;padding:16px 18px;font-weight:750;color:var(--pine)}.amortization[open] summary{border-bottom:1px solid var(--line)}.amortization-head{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:12px 18px}.small-button{padding:8px 13px!important;font-size:13px}.table-scroll{max-height:360px;overflow:auto;border-top:1px solid var(--line)}.amortization-table{width:100%;border-collapse:collapse;font-size:12px;text-align:right}.amortization-table th,.amortization-table td{padding:8px 12px;border-bottom:1px solid var(--line);white-space:nowrap}.amortization-table th{position:sticky;top:0;background:var(--surface-2);color:var(--pine);z-index:1}.amortization-table th:first-child,.amortization-table td:first-child{text-align:left}.affordability-results{grid-template-columns:1fr}.affordability-results strong{font-size:22px}
@media(max-width:650px){.amortization-head{align-items:flex-start;flex-direction:column}.amortization-table th,.amortization-table td{padding:7px 9px}}

/* Horizontal, draggable investment sliders */
.investment-tool-wrap{max-width:1000px;margin-inline:auto}
.investment-grid{display:grid;grid-template-columns:minmax(290px,.78fr) minmax(0,1.55fr);gap:0;overflow:hidden;border:1px solid var(--line);border-radius:24px;background:var(--surface);box-shadow:var(--shadow)}
.investment-controls{display:grid;gap:16px;align-content:start;padding:26px 24px;border-right:1px solid var(--line);background:var(--surface)}
.investment-control{display:grid;gap:7px;min-width:0}
.investment-control label{font-size:13px;line-height:1.35;font-weight:700;color:var(--pine)}
.investment-control input[type=number]{width:100%;min-width:0;height:43px;padding:9px 12px;border:1px solid var(--line);border-radius:11px;background:var(--surface);color:var(--ink);font-size:15px;font-variant-numeric:tabular-nums}
.investment-control input[type=number]:focus{outline:3px solid color-mix(in srgb,var(--pine-2) 22%,transparent);border-color:var(--pine-2)}
.investment-control input[type=range]{appearance:none;-webkit-appearance:none;width:100%;height:24px;margin:0;padding:0;background:transparent;cursor:pointer;touch-action:pan-y}
.investment-control input[type=range]::-webkit-slider-runnable-track{height:5px;border-radius:999px;background:linear-gradient(to right,var(--pine-2) var(--range-progress,0%),var(--line) var(--range-progress,0%))}
.investment-control input[type=range]::-moz-range-track{height:5px;border-radius:999px;background:linear-gradient(to right,var(--pine-2) var(--range-progress,0%),var(--line) var(--range-progress,0%))}
.investment-control input[type=range]::-webkit-slider-thumb{appearance:none;-webkit-appearance:none;width:19px;height:19px;margin-top:-7px;border:2px solid var(--surface);border-radius:50%;background:var(--brass);box-shadow:0 1px 5px rgba(24,45,40,.25)}
.investment-control input[type=range]::-moz-range-thumb{width:15px;height:15px;border:2px solid var(--surface);border-radius:50%;background:var(--brass);box-shadow:0 1px 5px rgba(24,45,40,.25)}
.investment-control input[type=range]:focus-visible{outline:2px solid var(--pine-2);outline-offset:3px;border-radius:999px}
.investment-output{min-width:0;padding:28px 30px 24px;background:var(--surface)}
.investment-output h3{margin:0 0 16px;font-size:21px}
.investment-metrics{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px}
.investment-metric{display:grid;align-content:center;gap:7px;min-height:92px;padding:14px 13px;border:1px solid var(--line);border-radius:14px;background:var(--paper-2);text-align:center}
.investment-metric span{font-size:12px;line-height:1.35;color:var(--text-soft)}
.investment-metric strong{color:var(--pine);font-size:clamp(17px,2vw,22px);line-height:1.2;letter-spacing:-.035em;font-variant-numeric:tabular-nums}
.investment-metric.metric-total{background:var(--surface-2);border-color:color-mix(in srgb,var(--pine-2) 28%,var(--line))}
.investment-metric.metric-growth{background:color-mix(in srgb,var(--brass) 12%,var(--surface));border-color:color-mix(in srgb,var(--brass) 45%,var(--line))}
.investment-real{margin:17px 0 23px;padding:13px 15px;border-radius:12px;background:var(--surface-2);font-size:13px;color:var(--text-soft)}
.investment-real strong,.investment-real b{color:var(--pine)}
.investment-output h4{margin:0 0 10px;font-size:15px;color:var(--pine)}
.investment-bar{height:27px}
.investment-bar span{display:flex;align-items:center;justify-content:center;color:#fff;font-size:12px;font-weight:800;white-space:nowrap}
.investment-bar span:first-child{background:var(--pine-2)}
.investment-bar span:last-child{background:var(--brass)}
.investment-output .bar-legend{margin-top:8px}
.investment-output .micro{margin:15px 0 0;font-size:11px;line-height:1.5}
.investment-cta{display:flex;width:max-content;max-width:100%;justify-content:center;margin:21px auto 0;font-size:14px}
.investment-section{padding-top:62px}
@media(max-width:900px){.investment-grid{grid-template-columns:1fr}.investment-controls{grid-template-columns:1fr 1fr;gap:18px 20px;border-right:0;border-bottom:1px solid var(--line)}.investment-controls .investment-control:last-child{grid-column:1/-1;max-width:calc(50% - 10px)}}
@media(max-width:560px){.investment-tool-wrap{width:calc(100% - 24px)}.investment-controls{grid-template-columns:1fr;gap:15px;padding:20px 18px}.investment-controls .investment-control:last-child{grid-column:auto;max-width:none}.investment-output{padding:22px 18px}.investment-metrics{grid-template-columns:1fr}.investment-metric{min-height:75px}.investment-real{line-height:1.55}.investment-cta{width:100%}}
html[data-theme="dark"] .investment-control input[type=number]{background:#17211e;color:var(--ink);border-color:var(--line)}
html[data-theme="dark"] .investment-metric{background:var(--surface-2)}
html[data-theme="dark"] .investment-metric.metric-growth{background:color-mix(in srgb,var(--brass) 12%,var(--surface));}

/* Beplan-inspired blue and orange investment calculator palette */
.investment-grid{--investment-blue:#075b9f;--investment-orange:#ff6b24;--investment-blue-soft:#eef6ff;--investment-orange-soft:#fff3eb;--investment-blue-border:#c8def3;--investment-orange-border:#ffd2b8;--investment-cta:#ff6b24}
.investment-control label,.investment-output h3,.investment-output h4{color:var(--investment-blue)}
.investment-control input[type=number]:focus{outline-color:rgba(7,91,159,.2);border-color:var(--investment-blue)}
.investment-control input[type=range]::-webkit-slider-runnable-track{background:linear-gradient(to right,var(--investment-blue) var(--range-progress,0%),var(--line) var(--range-progress,0%))}
.investment-control input[type=range]::-moz-range-track{background:linear-gradient(to right,var(--investment-blue) var(--range-progress,0%),var(--line) var(--range-progress,0%))}
.investment-control input[type=range]::-webkit-slider-thumb{background:var(--investment-orange)}
.investment-control input[type=range]::-moz-range-thumb{background:var(--investment-orange)}
.investment-control input[type=range]:focus-visible{outline-color:var(--investment-blue)}
.investment-metric strong,.investment-real strong,.investment-real b{color:var(--investment-blue)}
.investment-metric.metric-total{background:var(--investment-blue-soft);border-color:var(--investment-blue-border)}
.investment-metric.metric-growth{background:var(--investment-orange-soft);border-color:var(--investment-orange-border)}
.investment-real{background:var(--investment-blue-soft)}
.investment-bar span:first-child,.investment-output .dot-deposits{background:var(--investment-blue)}
.investment-bar span:last-child,.investment-output .dot-growth{background:var(--investment-orange)}
.investment-bar span:last-child{color:#332116}
.investment-cta,.investment-grid .investment-cta{background:var(--investment-cta);color:#fff}
.investment-grid .investment-cta:hover{background:#f07132;color:#fff}
html[data-theme="dark"] .investment-grid{--investment-blue:#78baff;--investment-orange:#ff6b24;--investment-blue-soft:#1d344a;--investment-orange-soft:#3c2c23;--investment-blue-border:#315b7d;--investment-orange-border:#76503b;--investment-cta:#ff6b24}
html[data-theme="dark"] .investment-control input[type=number]{background:#17212b;color:var(--ink);border-color:var(--line)}
html[data-theme="dark"] .investment-control input[type=range]::-webkit-slider-runnable-track{background:linear-gradient(to right,var(--investment-blue) var(--range-progress,0%),#3b4a59 var(--range-progress,0%))}
html[data-theme="dark"] .investment-control input[type=range]::-moz-range-track{background:linear-gradient(to right,var(--investment-blue) var(--range-progress,0%),#3b4a59 var(--range-progress,0%))}
html[data-theme="dark"] .investment-control input[type=range]::-webkit-slider-thumb{border-color:#202b27}
html[data-theme="dark"] .investment-control input[type=range]::-moz-range-thumb{border-color:#202b27}
html[data-theme="dark"] .investment-metric span,html[data-theme="dark"] .investment-real{color:#c0ccd7}
html[data-theme="dark"] .investment-metric strong,html[data-theme="dark"] .investment-real strong,html[data-theme="dark"] .investment-real b{color:var(--investment-blue)}
html[data-theme="dark"] .investment-bar span:last-child{color:#292019}
html[data-theme="dark"] .investment-grid .investment-metric.metric-total{background:#1d344a;border-color:#315b7d}
html[data-theme="dark"] .investment-grid .investment-metric.metric-growth{background:#3c2c23;border-color:#76503b}

/* Investment explainer and pension calculator */
.investment-options{grid-template-columns:repeat(3,minmax(0,1fr));align-items:stretch;scroll-margin-top:100px}
.investment-options .card{display:flex;flex-direction:column;min-height:100%}
.investment-options .card p:last-of-type{margin-bottom:0}
.investment-options .card a{margin-top:auto;padding-top:16px;color:var(--investment-blue,#075b9f);font-weight:750;text-decoration:none}
.investment-options .card a:hover{text-decoration:underline}
.investment-process{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.investment-process .note-box{padding:28px;border:1px solid var(--line);border-radius:22px;background:var(--surface-2)}
.investment-process .bullets{margin:15px 0 0;padding-left:20px}
.strategy-picks{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:0 0 16px}
.strategy-pick{display:grid;gap:5px;text-align:left;padding:17px 18px;border:1px solid var(--line);border-radius:16px;background:var(--surface);color:var(--ink);cursor:pointer;transition:border-color .15s ease,background .15s ease,transform .15s ease}
.strategy-pick:hover{transform:translateY(-1px);border-color:var(--investment-blue,#075b9f)}
.strategy-pick span{font-size:13px;font-weight:750;color:var(--text-soft)}
.strategy-pick strong{font-size:23px;line-height:1.15;color:var(--investment-blue,#075b9f)}
.strategy-pick small{font-size:11px;line-height:1.4;color:var(--muted)}
.strategy-pick.is-selected{border-color:var(--investment-blue,#075b9f);background:var(--investment-blue-soft,#eef6ff);box-shadow:inset 0 0 0 1px var(--investment-blue,#075b9f)}
.strategy-pick:focus-visible{outline:3px solid color-mix(in srgb,var(--investment-blue,#075b9f) 36%,transparent);outline-offset:2px}
.pension-grid{--investment-blue:#075b9f;--investment-orange:#ff6b24;--investment-blue-soft:#eef6ff;--investment-orange-soft:#fff3eb;--investment-blue-border:#c8def3;--investment-orange-border:#ffd2b8;--investment-cta:#ff6b24}
.pension-facts{display:grid;gap:7px;margin-top:17px}
.pension-facts strong{color:var(--investment-blue,#075b9f)}
.pension-note p:last-child{margin-bottom:0}
.pension-note a{color:var(--investment-blue,#075b9f)}
html[data-theme="dark"] .investment-options .card a{color:#78baff}
html[data-theme="dark"] .investment-process .note-box{background:var(--surface-2);border-color:var(--line);color:var(--text-soft)}
html[data-theme="dark"] .strategy-pick{background:var(--surface);border-color:var(--line)}
html[data-theme="dark"] .strategy-pick.is-selected{background:#1d344a;border-color:#78baff;box-shadow:inset 0 0 0 1px #78baff}
html[data-theme="dark"] .strategy-pick strong,html[data-theme="dark"] .pension-facts strong,html[data-theme="dark"] .pension-note a{color:#78baff}
html[data-theme="dark"] .pension-grid{--investment-blue:#78baff;--investment-orange:#ff6b24;--investment-blue-soft:#1d344a;--investment-orange-soft:#3c2c23;--investment-blue-border:#315b7d;--investment-orange-border:#76503b;--investment-cta:#ff6b24}
@media(max-width:850px){.investment-options{grid-template-columns:repeat(2,minmax(0,1fr))}.investment-process{grid-template-columns:1fr;gap:24px}}
@media(max-width:560px){.investment-options{grid-template-columns:1fr}.strategy-picks{grid-template-columns:1fr}.strategy-pick{grid-template-columns:1fr auto;align-items:center}.strategy-pick small{grid-column:1/-1}.investment-process .note-box{padding:22px}}
.pension-status{display:flex;grid-column:1/-1;align-items:flex-start;gap:11px;padding:14px;border:1px solid var(--line);border-radius:13px;background:var(--surface-2);cursor:pointer}
.pension-status input{width:19px;height:19px;flex:0 0 auto;margin:2px 0 0;accent-color:#075b9f}
.pension-status span{display:grid;gap:3px}
.pension-status strong{font-size:13px;line-height:1.35;color:var(--pine)}
.pension-status small{font-size:11px;line-height:1.45;color:var(--muted)}
html[data-theme="dark"] .pension-status{background:#26342f;border-color:var(--line)}
html[data-theme="dark"] .pension-status input{accent-color:#78baff}

/* Unified TomanFin palette: cool neutrals, confident blue and restrained orange */
:root{color-scheme:light;--pine:#182235;--pine-2:#1f5f9d;--paper:#edf1f6;--paper-2:#f7f8fa;--brass:#ff6b24;--ink:#202b3c;--muted:#627083;--line:#dce3eb;--white:#fff;--surface:#fff;--surface-2:#f0f3f7;--text-soft:#536176;--shadow:0 18px 48px rgba(22,34,53,.08)}
h1,h2,.serif{font-family:var(--sans);font-weight:650;letter-spacing:-.045em}
h1{line-height:1.08}
h2{line-height:1.16}
.eyebrow{color:var(--pine-2);letter-spacing:.15em}
.brand{color:var(--pine-2)}
.brand-accent{color:var(--brass)}
.brand-mark{border-color:#035397!important;border-radius:8px;transform:rotate(-5deg)}
.brand-mark:after{background:var(--brass)}
.site-header{background:rgba(247,248,250,.94);border-bottom-color:var(--line)}
.nav-links a{color:var(--text-soft)}
.nav-links a:hover,.nav-links a:focus-visible{color:var(--pine-2)}
.button:not(.secondary),.nav-cta{background:var(--pine-2);color:#fff;box-shadow:0 7px 18px rgba(31,95,157,.16)}
.button:not(.secondary):hover,.nav-cta:hover{background:#174b7d;color:#fff}
.button.secondary{background:var(--surface);color:var(--pine);border-color:var(--line)}
.button.secondary:hover{background:var(--surface-2);border-color:var(--pine-2)}
.menu-button,.theme-toggle{background:var(--surface);color:var(--text-soft);border-color:var(--line)}
.theme-toggle:hover{border-color:var(--pine-2);color:var(--pine-2)}
.card,.contact-item,.form-card{border-radius:18px;border-color:var(--line);box-shadow:0 10px 30px rgba(22,34,53,.035)}
.card h3,.site-footer h3{letter-spacing:-.02em}
.number{color:var(--pine-2)}
.card .number{color:var(--pine-2)}
.note-box,.fee-box{background:var(--surface-2);border-color:var(--line);border-radius:16px}
.resource-links a{color:var(--pine-2);border-color:var(--line);border-radius:13px}
.trust-band{background:var(--pine);border-radius:22px}
.trust-band .button{background:var(--brass);color:#21170f}
.trust-band .button:hover{background:#ff6b24;color:#21170f}
.site-footer{background:#131b29}
.site-footer .brand{color:#f5f7fb}
.portrait-frame:before{background:#dce5ee}
.contact-symbol{background:#e7eef6;color:var(--pine-2)}
.field input,.field textarea,.number-row input[type=number]{background:var(--surface);border-color:var(--line);color:var(--ink);border-radius:12px}
.field input:focus,.field textarea:focus{border-color:var(--pine-2);outline:3px solid rgba(31,95,157,.12)}
.section-head{max-width:770px}
html[data-theme="dark"]{color-scheme:dark;--pine:#eef3fa;--pine-2:#80baf0;--paper:#171d27;--paper-2:#0e1219;--brass:#ff6b24;--ink:#e8edf5;--muted:#aab6c7;--line:#303a49;--white:#161d28;--surface:#171e29;--surface-2:#202836;--text-soft:#b9c4d3;--shadow:0 18px 48px rgba(0,0,0,.28)}
html[data-theme="dark"] body{background:var(--paper-2);color:var(--ink)}
html[data-theme="dark"] .site-header{background:rgba(14,18,25,.94);border-color:var(--line)}
html[data-theme="dark"] .brand{color:var(--pine-2)}
html[data-theme="dark"] .brand-mark{border-color:var(--pine-2)}
html[data-theme="dark"] .nav-links{background:var(--paper-2)}
html[data-theme="dark"] .nav-links a{color:var(--text-soft)}
html[data-theme="dark"] .button:not(.secondary),html[data-theme="dark"] .nav-cta{background:var(--pine-2);color:#111a25;box-shadow:none}
html[data-theme="dark"] .button:not(.secondary):hover,html[data-theme="dark"] .nav-cta:hover{background:#a8d2f7;color:#111a25}
html[data-theme="dark"] .button.secondary{background:var(--surface);color:var(--pine);border-color:var(--line)}
html[data-theme="dark"] .button.secondary:hover{background:#252f3e}
html[data-theme="dark"] .theme-toggle,html[data-theme="dark"] .menu-button{background:var(--surface);color:var(--text-soft);border-color:var(--line)}
html[data-theme="dark"] .card,html[data-theme="dark"] .contact-item,html[data-theme="dark"] .form-card,html[data-theme="dark"] .simulator{background:var(--surface);border-color:var(--line);box-shadow:var(--shadow)}
html[data-theme="dark"] .card p,html[data-theme="dark"] .step p,html[data-theme="dark"] .legal-content p,html[data-theme="dark"] .legal-content li,html[data-theme="dark"] .bullets li,html[data-theme="dark"] .fee-box p,html[data-theme="dark"] .lead{color:var(--text-soft)}
html[data-theme="dark"] .note-box,html[data-theme="dark"] .fee-box{background:var(--surface-2);border-color:var(--line);color:var(--text-soft)}
html[data-theme="dark"] .portrait-frame:before{background:#273548}
html[data-theme="dark"] .portrait-note{background:var(--surface);color:var(--ink)}
html[data-theme="dark"] .trust-band{background:#1b2636;border:1px solid #2c3b4e}
html[data-theme="dark"] .trust-band h2{color:#f5f7fb}
html[data-theme="dark"] .trust-band p{color:#c2cedd}
html[data-theme="dark"] .trust-band .button{background:var(--brass);color:#24180f}
html[data-theme="dark"] .site-footer{background:#090c12}
html[data-theme="dark"] .site-footer .brand{color:var(--pine-2)}
html[data-theme="dark"] .contact-symbol{background:#202c3c;color:#9dcafa}
html[data-theme="dark"] .resource-links a{background:var(--surface);border-color:var(--line);color:var(--pine-2)}
html[data-theme="dark"] .field input,html[data-theme="dark"] .field textarea,html[data-theme="dark"] .number-row input[type=number]{background:#17211e;color:var(--ink);border-color:var(--line)}
html[data-theme="dark"] .investment-grid{--investment-blue:#8bc5ff;--investment-orange:#ff6b24;--investment-blue-soft:#1c3147;--investment-orange-soft:#3b2b23;--investment-blue-border:#345878;--investment-orange-border:#704b37;--investment-cta:#ff6b24}
html[data-theme="dark"] .investment-control input[type=number]{background:#17211e;color:var(--ink);border-color:var(--line)}
html[data-theme="dark"] .investment-metric{background:var(--surface-2)}
html[data-theme="dark"] .investment-metric span,html[data-theme="dark"] .investment-real{color:var(--text-soft)}
html[data-theme="dark"] .pension-grid{--investment-blue:#8bc5ff;--investment-orange:#ff6b24;--investment-blue-soft:#1c3147;--investment-orange-soft:#3b2b23;--investment-blue-border:#345878;--investment-orange-border:#704b37;--investment-cta:#ff6b24}
html[data-theme="dark"] .strategy-pick.is-selected{background:#1c3147;border-color:#8bc5ff;box-shadow:inset 0 0 0 1px #8bc5ff}
html[data-theme="dark"] .pension-status{background:#202836;border-color:var(--line)}

/* Credit page: one mortgage model with linked fields and sliders */
.loan-tool-wrap{max-width:1060px;margin-inline:auto}
.refined-loan{grid-template-columns:minmax(0,1.05fr) minmax(300px,.85fr);gap:28px;padding:24px;border-radius:22px;background:var(--surface);border-color:var(--line);box-shadow:var(--shadow)}
.refined-loan .loan-controls{grid-template-columns:1fr 1fr;gap:22px 20px;align-content:start;padding:4px}
.refined-loan .loan-controls .field:first-child{grid-column:1/-1}
.refined-loan .field{display:grid;gap:8px;min-width:0}
.refined-loan .field label{font-weight:720;font-size:13px;color:var(--pine)}
.loan-value-row{display:flex;align-items:center;gap:9px;color:var(--muted);font-size:12px}
.loan-value-row input:is([type=number],[data-loan-money]){width:100%;min-width:0;height:45px;padding:9px 12px;border:1px solid var(--line);border-radius:11px;background:var(--paper-2);color:var(--ink);font-size:15px;font-weight:700;font-variant-numeric:tabular-nums}
.loan-value-row input:is([type=number],[data-loan-money]):focus{outline:3px solid color-mix(in srgb,var(--pine-2) 18%,transparent);border-color:var(--pine-2)}
.refined-loan input[type=range]{--range-progress:0%;appearance:none;-webkit-appearance:none;width:100%;height:24px;margin:0;padding:0;background:transparent;cursor:pointer;touch-action:pan-y}
.refined-loan input[type=range]::-webkit-slider-runnable-track{height:5px;border-radius:999px;background:linear-gradient(to right,var(--pine-2) var(--range-progress),var(--line) var(--range-progress))}
.refined-loan input[type=range]::-moz-range-track{height:5px;border-radius:999px;background:linear-gradient(to right,var(--pine-2) var(--range-progress),var(--line) var(--range-progress))}
.refined-loan input[type=range]::-webkit-slider-thumb{appearance:none;-webkit-appearance:none;width:19px;height:19px;margin-top:-7px;border:2px solid var(--surface);border-radius:50%;background:var(--brass);box-shadow:0 1px 5px rgba(20,35,50,.25)}
.refined-loan input[type=range]::-moz-range-thumb{width:15px;height:15px;border:2px solid var(--surface);border-radius:50%;background:var(--brass);box-shadow:0 1px 5px rgba(20,35,50,.25)}
.refined-loan input[type=range]:focus-visible{outline:2px solid var(--pine-2);outline-offset:3px;border-radius:999px}
.refined-loan .loan-result{padding:24px;border:1px solid var(--line);border-radius:17px;background:var(--surface-2)}
.refined-loan .loan-result .eyebrow{color:var(--pine-2)}
.refined-loan .result-big{color:var(--pine);font-size:clamp(32px,4vw,44px);font-weight:750;font-variant-numeric:tabular-nums}
.refined-loan .result-pair strong{color:var(--pine)}
.refined-loan .stack-bar span:first-child{background:var(--pine-2)}
.refined-loan .stack-bar span:last-child{background:var(--brass)}
.refined-loan .credit-contact{width:100%;margin-top:22px}
.refined-amortization{background:var(--surface);color:var(--ink);border-color:var(--line);box-shadow:0 8px 25px rgba(22,34,53,.04)}
.refined-amortization .amortization-table{color:var(--ink)}
.refined-amortization .amortization-head .micro{color:var(--text-soft)}
.refined-amortization .amortization-head .button.secondary{background:transparent;color:var(--pine-2);border-color:var(--pine-2)}
.refined-amortization .amortization-head .button.secondary:hover{background:var(--surface-2);color:var(--pine)}
.credit-disclaimer{max-width:900px;margin:14px auto 0}
.credit-cards{grid-template-columns:repeat(3,minmax(0,1fr))}
.credit-bottom .section-head p{max-width:760px}
html[data-theme="dark"] .refined-loan{background:var(--surface);border-color:var(--line)}
html[data-theme="dark"] .loan-value-row input:is([type=number],[data-loan-money]){background:#17211e;color:var(--ink);border-color:var(--line)}
html[data-theme="dark"] .refined-loan .loan-result{background:var(--surface-2);border-color:var(--line)}
html[data-theme="dark"] .refined-amortization{background:var(--surface);border-color:var(--line)}
html[data-theme="dark"] .refined-loan input[type=range]::-webkit-slider-runnable-track,html[data-theme="dark"] .refined-loan input[type=range]::-moz-range-track{background:linear-gradient(to right,var(--pine-2) var(--range-progress),#364253 var(--range-progress))}
@media(max-width:850px){.refined-loan{grid-template-columns:1fr}.refined-loan .loan-result{align-self:stretch}.credit-cards{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.credit-cards{grid-template-columns:1fr}.refined-loan{padding:16px}.refined-loan .loan-controls{grid-template-columns:1fr}.refined-loan .loan-controls .field:first-child{grid-column:auto}.refined-loan .loan-result{padding:18px}.refined-loan .result-pair{grid-template-columns:1fr 1fr}}


/* TomanFin brand orange: matched to the original website across light and dark themes. */
:root{--brass:#ff6b24}
html[data-theme="dark"]{--brass:#ff6b24}
.investment-grid,.pension-grid{--investment-orange:#ff6b24;--investment-cta:#ff6b24}
html[data-theme="dark"] .investment-grid,html[data-theme="dark"] .pension-grid{--investment-orange:#ff6b24;--investment-cta:#ff6b24}
.investment-grid .investment-cta:hover,.pension-grid .investment-cta:hover{background:#f07132;color:#fff}
.contact-address a{display:inline-block;margin-top:7px;color:var(--pine-2);font-weight:700;text-decoration:none}
.contact-address a:hover{text-decoration:underline}
.contact-map{display:block;width:100%;height:240px;border:1px solid var(--line);border-radius:16px;background:var(--surface);box-shadow:0 8px 24px rgba(22,34,53,.06)}
html[data-theme="dark"] .contact-map{border-color:var(--line);box-shadow:var(--shadow)}
@media(max-width:700px){.contact-map{height:220px}}

/* Keep the two-tone wordmark explicit in every header/footer and theme. */
.brand>span:last-child{color:var(--pine-2)}
.brand>span:last-child .brand-accent{color:#ff6b24}
.site-footer .brand>span:last-child{color:#80baf0}
.site-footer .brand>span:last-child .brand-accent{color:#ff6b24}
.brand-name{color:#1f5f9d!important}
.brand-name .brand-accent{color:#ff6b24!important}
.site-footer .brand-name{color:#80baf0!important}

/* Stronger vivid orange accent throughout the TomanFin identity. */
:root{--brass:#ff6b24}
html[data-theme="dark"]{--brass:#ff6b24}
.investment-grid,.pension-grid{--investment-orange:#ff6b24;--investment-cta:#ff6b24}
html[data-theme="dark"] .investment-grid,html[data-theme="dark"] .pension-grid{--investment-orange:#ff6b24;--investment-cta:#ff6b24}
.brand-accent{font-weight:820}

/* Explicit two-tone wordmark; cache-busted stylesheet version 20261010-2259. */
.brand-main{color:#035397!important}
.brand-accent{color:#ff6b24!important;font-weight:820}
.site-footer .brand-main{color:#80baf0!important}
/* Portrait stays clean and unframed. */
.portrait-frame:before{display:none!important}

/* Match the logo blue to the original TomanFin wordmark. */
.brand-main{color:#035397!important}
.brand-mark{border-color:#035397!important}

/* Warmer Beplan-inspired accents: keep section/category labels blue, add orange to key actions. */
.hero-copy>.eyebrow{color:var(--brass)}
.button:not(.secondary),.nav-cta{background:var(--brass);color:#182235;box-shadow:0 8px 20px rgba(255,127,63,.2)}
.button:not(.secondary):hover,.nav-cta:hover{background:#f45b17;color:#182235}
html[data-theme="dark"] .button:not(.secondary),html[data-theme="dark"] .nav-cta{background:var(--brass);color:#182235;box-shadow:0 8px 20px rgba(255,127,63,.12)}
html[data-theme="dark"] .button:not(.secondary):hover,html[data-theme="dark"] .nav-cta:hover{background:#ff8147;color:#182235}
.contact-symbol{background:#035397;color:#fff}
.contact-symbol svg{display:block;width:22px;height:22px}
.contact-item:hover .contact-symbol{background:var(--brass);color:#182235}
html[data-theme="dark"] .contact-symbol{background:#035397;color:#fff}
html[data-theme="dark"] .contact-item:hover .contact-symbol{background:var(--brass);color:#182235}

/* Topic icons echo the blue/orange TomanFin identity without crowding each card. */
.topic-icon{display:grid;place-items:center;width:48px;height:48px;margin-bottom:17px;border-radius:15px;background:#eaf2fc;color:#035397}
.topic-icon svg{width:25px;height:25px}
.card:nth-child(even) .topic-icon{background:#fff0e8;color:#f45b17}
html[data-theme="dark"] .topic-icon{background:#1d344a;color:#8bc5ff}
html[data-theme="dark"] .card:nth-child(even) .topic-icon{background:#3a2a22;color:#ff956d}

/* Mobile ergonomics: compact header, readable inputs and comfortable touch targets. */
@media(max-width:760px){
  html{scroll-padding-top:76px}
  .nav{min-width:0;gap:8px}
  .brand{font-size:20px;gap:8px;flex:0 0 auto}
  .brand-mark{width:25px;height:25px}
  .nav-actions{gap:8px;min-width:0}
  .menu-button,.theme-toggle{min-width:42px;min-height:42px;justify-content:center;border-radius:13px}
  .menu-button{padding:8px 10px}
  .theme-toggle{width:42px;height:42px;padding:0;flex:0 0 42px}
  .theme-toggle span:first-child{font-size:19px;line-height:1}
  .theme-toggle span:last-child{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
  .nav-links{max-height:calc(100dvh - 70px);overflow-y:auto;overscroll-behavior:contain}
  .nav-links a{min-height:46px;display:flex;align-items:center}
  .button,.nav-cta{min-height:46px}
  .card,.form-card,.simulator,.loan-calculator,.investment-grid,.refined-loan{min-width:0;max-width:100%}
  .contact-item{min-height:68px;min-width:0}
  .contact-item>span:last-child{min-width:0}
  .contact-item strong{overflow-wrap:anywhere}
  .investment-controls,.investment-output,.simulator-controls,.simulator-result,.loan-controls,.loan-result{min-width:0}
  .investment-control input[type=number],.loan-value-row input:is([type=number],[data-loan-money]),.field input,.field textarea,.number-row input[type=number]{font-size:16px}
  .investment-control input[type=range],.refined-loan input[type=range]{height:34px}
  .investment-control input[type=range]::-webkit-slider-thumb,.refined-loan input[type=range]::-webkit-slider-thumb{width:23px;height:23px;margin-top:-9px}
  .investment-control input[type=range]::-moz-range-thumb,.refined-loan input[type=range]::-moz-range-thumb{width:19px;height:19px}
  .table-scroll{max-width:100%;overflow-x:auto;-webkit-overflow-scrolling:touch}
}
@media(max-width:560px){
  .wrap{width:calc(100% - 32px)}
  .hero{padding-top:40px;padding-bottom:44px}
  .hero h1{font-size:clamp(38px,11vw,48px);line-height:1.04}
  .hero .actions{gap:10px}
  .hero .actions .button{width:100%;max-width:100%}
  .portrait-frame{width:min(88%,360px)}
  .section{padding:54px 0}
  .subhero h1{font-size:clamp(36px,10vw,44px)}
  .contact-items{gap:10px}
  .contact-symbol{width:44px;height:44px;flex:0 0 44px;border-radius:50%}
  .contact-item{padding:12px 13px}
  .contact-item strong{font-size:16px}
  .investment-output{padding:20px 16px}
  .investment-metric{padding:12px;min-height:68px}
  .result-pair{gap:10px}
  .result-pair strong{font-size:16px}
  .bar-legend{gap:8px}
  .refined-loan .loan-result .result-big,.loan-result .result-big{font-size:clamp(28px,8vw,38px)}
  .amortization-head{gap:12px}
  .small-button{width:100%;min-height:44px}
}
@media(max-width:360px){
  .wrap{width:calc(100% - 28px)}
  .brand{font-size:18px;gap:6px}
  .brand-mark{width:23px;height:23px}
  .menu-button{padding:8px 9px;font-size:13px}
  .result-pair{grid-template-columns:1fr}
}
@media(hover:none){.card a:hover,.button:hover,.nav-cta:hover{transform:none}}

/* Page polish: shared blue/orange identity across the added service pages. */
.subhero{
  position:relative;
  isolation:isolate;
  overflow:hidden;
  background:
    radial-gradient(ellipse at 88% 12%,rgba(255,127,63,.12),transparent 34%),
    radial-gradient(ellipse at 6% 90%,rgba(3,83,151,.10),transparent 38%),
    var(--paper);
  border-bottom:1px solid var(--line);
}
.subhero:after{
  content:"";
  position:absolute;
  z-index:-1;
  width:360px;height:360px;right:-160px;bottom:-240px;
  border:1px solid rgba(3,83,151,.16);border-radius:50%;
  box-shadow:0 0 0 34px rgba(3,83,151,.035),0 0 0 72px rgba(255,127,63,.035);
}
.subhero .wrap{position:relative;z-index:1}
.subhero h1{max-width:850px;color:var(--pine)}
.subhero .lead{max-width:720px}
.subhero .actions{display:flex;flex-wrap:wrap;gap:12px;margin:26px 0 18px}
.subhero .micro{max-width:700px}
.subhero-photo{border:1px solid rgba(255,255,255,.75);box-shadow:0 22px 52px rgba(22,34,53,.14)}
.section-head{max-width:790px}
.section-head h2{max-width:760px}
.cards{gap:20px}
.card{
  position:relative;overflow:hidden;
  border-radius:18px;
  border-color:color-mix(in srgb,var(--line) 80%,#035397 20%);
  box-shadow:0 12px 32px rgba(22,34,53,.055);
  transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
}
.card:before{
  content:"";position:absolute;inset:0 0 auto;height:3px;
  background:linear-gradient(90deg,#035397 0 68%,#ff6b24 68% 100%);
  opacity:.78;
}
.card:hover{transform:translateY(-3px);box-shadow:0 18px 38px rgba(22,34,53,.10);border-color:rgba(3,83,151,.35)}
.card .topic-icon{width:52px;height:52px;border-radius:16px;margin-bottom:20px;box-shadow:inset 0 0 0 1px rgba(3,83,151,.06)}
.card .number{display:block;margin-bottom:8px;color:#035397;letter-spacing:.11em}
.card h3{margin-bottom:12px}
.card p{line-height:1.65}
.card a{color:#035397}
.resource-links{gap:10px}
.resource-links a{padding:11px 16px;border-radius:12px;background:var(--surface);box-shadow:0 5px 16px rgba(22,34,53,.035)}
.steps{gap:22px}
.step{padding:18px 20px 4px;border-top:3px solid #ff6b24;border-radius:2px 2px 0 0;background:linear-gradient(180deg,rgba(255,127,63,.045),transparent 62%)}
.step h3{margin-top:12px}
.trust-band{background:linear-gradient(120deg,#035397,#123b67 72%,#183554);box-shadow:0 18px 44px rgba(3,83,151,.17)}
.trust-band .eyebrow{color:#ff9a67!important}
.note-box,.fee-box{box-shadow:0 8px 24px rgba(22,34,53,.035)}
.investment-grid,.refined-loan,.form-card,.simulator{border-radius:20px;box-shadow:0 18px 42px rgba(22,34,53,.08)}
.investment-controls{background:linear-gradient(180deg,rgba(3,83,151,.035),transparent 65%),var(--surface)}
.investment-output{background:var(--surface)}
.investment-output .investment-cta{border-radius:12px}
.strategy-pick{transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.strategy-pick:hover{transform:translateY(-2px);box-shadow:0 9px 22px rgba(22,34,53,.08)}
.refined-loan .loan-result{border-radius:17px}
.credit-disclaimer{padding:0 4px}
.legal-page .legal-content{padding:32px;border:1px solid var(--line);border-radius:20px;background:var(--surface);box-shadow:var(--shadow)}
.legal-page .legal-content h1{font-size:clamp(38px,5vw,54px)}
.legal-page .legal-content h2{color:var(--pine-2)}
.site-footer{background:#101b2a}
.footer-links a:hover{color:#FF9A66}
html[data-theme="dark"] .subhero{
  background:
    radial-gradient(ellipse at 88% 12%,rgba(255,127,63,.11),transparent 34%),
    radial-gradient(ellipse at 6% 90%,rgba(67,142,207,.12),transparent 38%),
    var(--paper);
}
html[data-theme="dark"] .subhero:after{border-color:rgba(128,186,240,.16);box-shadow:0 0 0 34px rgba(128,186,240,.035),0 0 0 72px rgba(255,127,63,.025)}
html[data-theme="dark"] .card{background:var(--surface);border-color:var(--line);box-shadow:0 14px 34px rgba(0,0,0,.18)}
html[data-theme="dark"] .card:hover{border-color:rgba(128,186,240,.42);box-shadow:0 18px 40px rgba(0,0,0,.26)}
html[data-theme="dark"] .card .number{color:#80baf0}
html[data-theme="dark"] .card a{color:#9ccafa}
html[data-theme="dark"] .step{background:linear-gradient(180deg,rgba(255,127,63,.07),transparent 62%)}
html[data-theme="dark"] .investment-controls{background:linear-gradient(180deg,rgba(128,186,240,.055),transparent 65%),var(--surface)}
html[data-theme="dark"] .legal-page .legal-content{background:var(--surface)}
html[data-theme="dark"] .site-footer{background:#090e16}
@media(max-width:700px){
  .cards{gap:14px}
  .subhero:after{width:260px;height:260px;right:-160px;bottom:-190px}
  .subhero .actions .button{min-width:0}
  .legal-page .legal-content{padding:22px 18px}
}
@media(hover:none){.card:hover,.strategy-pick:hover{transform:none}}


/* Final requested polish: Beplan orange, blue-only cards/icons and dark first visit. */
:root{--brass:#FF7F3F}
html[data-theme="dark"]{--brass:#FF7F3F}
.investment-grid,.pension-grid{--investment-orange:#FF7F3F;--investment-cta:#FF7F3F}
html[data-theme="dark"] .investment-grid,html[data-theme="dark"] .pension-grid{--investment-orange:#FF7F3F;--investment-cta:#FF7F3F}
.card:before{background:#035397!important;opacity:1}
.card:nth-child(even) .topic-icon,.topic-icon{background:#eaf2fc!important;color:#035397!important}
html[data-theme="dark"] .card:nth-child(even) .topic-icon,html[data-theme="dark"] .topic-icon{background:#1d344a!important;color:#8bc5ff!important}
.step{border-top-color:#035397;background:linear-gradient(180deg,rgba(3,83,151,.045),transparent 62%)}
html[data-theme="dark"] .step{background:linear-gradient(180deg,rgba(128,186,240,.06),transparent 62%)}
html[data-theme="dark"] .button:not(.secondary),html[data-theme="dark"] .nav-cta{background:var(--brass);color:#182235}
html[data-theme="dark"] .button:not(.secondary):hover,html[data-theme="dark"] .nav-cta:hover{background:#E06C35;color:#182235}
html[data-theme="dark"] .investment-bar span:last-child{color:#182235}
.portrait-frame img,.subhero-photo{image-rendering:auto}

/* White foreground keeps labels readable on the Beplan-orange surfaces. */
.button:not(.secondary),.nav-cta,.trust-band .button,.investment-cta,
.investment-grid .investment-cta,.pension-grid .investment-cta,
.button:not(.secondary):hover,.nav-cta:hover,.trust-band .button:hover,
.investment-cta:hover,.investment-grid .investment-cta:hover,
.pension-grid .investment-cta:hover{color:#fff!important}
.investment-bar span:last-child,.investment-grid .investment-bar span:last-child,
.pension-grid .investment-bar span:last-child{color:#fff!important}
.pension-metrics{grid-template-columns:repeat(2,minmax(0,1fr))}
@media(max-width:560px){.pension-metrics{grid-template-columns:1fr}}



/* Warm TomanFin visual rhythm: warm whites, connected blue panels, restrained Beplan-orange. */
:root{--paper:#f7f3ed;--paper-2:#fbfaf8;--surface:#fff;--surface-2:#f4f0ea;--line:#e5e1db}
.section.paper{background:var(--paper)}
.hero,.subhero{background:radial-gradient(ellipse at 84% 8%,rgba(255,127,63,.075),transparent 31%),linear-gradient(140deg,#fff 0%,var(--paper-2) 68%,#f5f2ed 100%)}
.hero,.subhero{position:relative;overflow:hidden}
.hero:after,.subhero:after{content:"";pointer-events:none;position:absolute;width:230px;height:5px;border-radius:999px;background:var(--brass);opacity:.9}
.hero:after{left:max(calc((100% - var(--max))/2),24px);bottom:26px;width:58px}
.subhero:after{right:8%;top:0;width:92px}
.card,.form-card,.contact-item,.simulator,.loan-calculator{border-color:#e3e2df;box-shadow:0 14px 35px rgba(17,54,89,.075)}
.card{border-radius:22px}
.card:before{background:#035397!important}
.card .number,.step-num{color:#035397}
.contact-symbol{background:#edf4fa;color:#035397}
.button:not(.secondary),.nav-cta,.investment-cta{background:#FF7F3F;color:#fff;box-shadow:0 8px 20px rgba(255,127,63,.2)}
.button:not(.secondary):hover,.nav-cta:hover,.investment-cta:hover{background:#E06C35;color:#fff}
.trust-band{background:linear-gradient(120deg,#035397,#06477f);position:relative;overflow:hidden}
.trust-band:before{content:"";position:absolute;left:0;top:0;width:100%;height:4px;background:linear-gradient(90deg,#FF7F3F 0 16%,rgba(255,127,63,0) 42%)}
.trust-band .button{background:#FF7F3F;color:#fff}
.brand-section{background:linear-gradient(125deg,#035397 0%,#064b85 100%);color:#fff;position:relative;overflow:hidden}
.brand-section:before{content:"";position:absolute;inset:0 0 auto;height:5px;background:linear-gradient(90deg,#FF7F3F 0 14%,rgba(255,127,63,0) 40%);pointer-events:none}
.brand-section .wrap,.brand-section .investment-tool-wrap{position:relative;z-index:1}
.brand-section h1,.brand-section h2,.brand-section h3{color:#fff}
.brand-section .eyebrow{color:#ffc3a5}
.brand-section .section-head p,.brand-section p,.brand-section .step p,.brand-section .bullets li{color:#e5eef8}
.brand-section .card{background:rgba(8,57,101,.72);border-color:rgba(255,255,255,.16);box-shadow:0 14px 32px rgba(0,22,48,.18)}
.brand-section .card:before{background:#78b6e6!important}
.brand-section .card .number,.brand-section .step-num{color:#ffc3a5}
.brand-section .card p{color:#e5eef8}
.brand-section .card a,.brand-section .note-box a{color:#fff}
.brand-section .topic-icon{background:#fff!important;color:#035397!important}
.brand-section .step{border-top-color:#FF7F3F;background:linear-gradient(180deg,rgba(255,255,255,.08),transparent 70%)}
.brand-section .note-box{background:#fff;color:#25364a;border-left-color:#FF7F3F}
.brand-section .note-box p,.brand-section .note-box li{color:#42546a}
.brand-section .note-box a{color:#035397}
.brand-section .button:not(.secondary),.brand-section .nav-cta,.brand-section .investment-cta{background:#FF7F3F;color:#fff}
.brand-section .button.secondary{border-color:rgba(255,255,255,.62);color:#fff;background:rgba(255,255,255,.06)}
.brand-section .loan-calculator h3,.brand-section .loan-result h3{color:var(--pine)}
html[data-theme="dark"]{--paper:#1c2632;--paper-2:#151f2b;--surface:#202c3a;--surface-2:#273545;--line:#3a4a5a}
html[data-theme="dark"] .hero,html[data-theme="dark"] .subhero{background:radial-gradient(ellipse at 83% 8%,rgba(255,127,63,.09),transparent 32%),linear-gradient(140deg,#172638 0%,#151f2b 70%,#202b38 100%)}
html[data-theme="dark"] .card,html[data-theme="dark"] .form-card,html[data-theme="dark"] .contact-item,html[data-theme="dark"] .simulator,html[data-theme="dark"] .loan-calculator{border-color:var(--line);box-shadow:0 16px 36px rgba(0,0,0,.22)}
html[data-theme="dark"] .card .number,html[data-theme="dark"] .step-num{color:#93c8f2}
html[data-theme="dark"] .contact-symbol{background:#20364b;color:#93c8f2}
html[data-theme="dark"] .trust-band,html[data-theme="dark"] .brand-section{background:linear-gradient(125deg,#0d355b 0%,#142b43 100%)}
html[data-theme="dark"] .brand-section .card{background:rgba(18,38,58,.76)}
html[data-theme="dark"] .brand-section .card .number,html[data-theme="dark"] .brand-section .step-num{color:#ffc3a5}
html[data-theme="dark"] .brand-section .card p,html[data-theme="dark"] .brand-section .section-head p,html[data-theme="dark"] .brand-section p,html[data-theme="dark"] .brand-section .step p,html[data-theme="dark"] .brand-section .bullets li{color:#e5eef8}
html[data-theme="dark"] .brand-section .note-box{background:#f5f2ed;color:#25364a}
html[data-theme="dark"] .brand-section .note-box p,html[data-theme="dark"] .brand-section .note-box li{color:#42546a}
@media(max-width:700px){.hero:after{bottom:12px;left:17px}.brand-section .card{padding:23px}}
/* Keep the blue panel stronger than the paper-section base, including on dark mode. */
section.section.brand-section{background:linear-gradient(125deg,#035397 0%,#064b85 100%)}
html[data-theme="dark"] section.section.brand-section{background:linear-gradient(125deg,#0d355b 0%,#142b43 100%)}
.site-footer{background:#0d3152}
html[data-theme="dark"] .site-footer{background:#091b2d}
.site-header{background:rgba(251,250,248,.95)}
html[data-theme="dark"] .site-header{background:rgba(18,30,44,.95)}
/* Icon tiles and supporting copy keep consistent contrast across both themes. */
.topic-icon{background:#eaf2fc!important;color:#035397!important}
.card .number,.eyebrow{color:#035397}
.micro,.section-head p,.card p,.step p,.form-note{color:#536176}
.brand-section .topic-icon{background:#fff!important;color:#035397!important}
.brand-section .micro,.brand-section small,.brand-section .section-head p,.brand-section .card p,.brand-section .step p,.brand-section .bullets li{color:#e5eef8}
.brand-section .eyebrow,.brand-section .card .number,.brand-section .step-num{color:#ffc3a5}
html[data-theme="dark"] .topic-icon{background:#20364b!important;color:#93c8f2!important}
html[data-theme="dark"] .card .number,html[data-theme="dark"] .eyebrow{color:#93c8f2}
html[data-theme="dark"] .micro,html[data-theme="dark"] .section-head p,html[data-theme="dark"] .card p,html[data-theme="dark"] .step p,html[data-theme="dark"] .form-note{color:#c7d3df}
/* Deep blue headline color in light mode; dark theme retains its accessible light headings. */
html:not([data-theme="dark"]){--pine:#123B65}

/* TomanFin brand refresh — editorial hero, deep-blue story band, warm paper surfaces */
:root{
  --pine:#123B65;--pine-2:#035397;--brass:#FF7F3F;
  --paper:#F7F3ED;--paper-2:#FBFAF8;--surface:#FFFFFF;--surface-2:#F1F4F7;
  --ink:#21364D;--muted:#66788B;--text-soft:#536A82;--line:#E3E6E8;
  --shadow:0 16px 42px rgba(16,50,84,.08);--sans:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;
}
html{scroll-padding-top:88px}
body{background:#FBFAF8;color:#21364D;font-family:var(--sans)}
h1,h2,.serif{font-family:var(--sans);font-weight:740;letter-spacing:-.045em;color:#123B65}
h1{font-size:clamp(42px,5.15vw,70px);line-height:1.055}
h2{font-size:clamp(30px,3.5vw,45px);line-height:1.12}
h3{font-family:var(--sans);font-size:20px;font-weight:730;letter-spacing:-.025em;color:#123B65}
.eyebrow{color:#035397;letter-spacing:.14em;font-size:11px}
.lead,.section-head p,.micro,.card p,.step p,.form-note{color:#536A82}
.wrap{--max:1180px}
.site-header{height:72px;background:rgba(251,250,248,.96);border-bottom:1px solid #E7E8E8;box-shadow:0 3px 14px rgba(16,50,84,.025)}
.brand{gap:8px;font-size:24px;color:#035397}
.brand-name{letter-spacing:-.055em}
.brand-mark{width:25px;height:25px;border-width:2px}
.nav-links{gap:clamp(14px,2vw,27px)}
.nav-links a{color:#17436D;font-weight:650}
.nav-links a:hover,.nav-links a:focus-visible{color:#FF7F3F}
.nav-cta,.button:not(.secondary),.trust-band .button,.investment-cta{background:#FF7F3F;color:#fff!important;box-shadow:0 8px 18px rgba(255,127,63,.18)}
.nav-cta:hover,.button:not(.secondary):hover,.investment-cta:hover{background:#E96F34;color:#fff!important;transform:translateY(-1px)}
.button.secondary{background:#fff;color:#035397;border:1.5px solid #035397}
.button.secondary:hover{background:#EFF5FA;border-color:#035397;color:#123B65}
.theme-toggle,.menu-button{background:#fff;color:#315472;border-color:#DFE5E9}
.theme-toggle:hover,.menu-button:hover{color:#035397;border-color:#8CB5D6}

/* Homepage hero: spacious copy at left and Jiří's own portrait to the edge */
.hero{padding:0;background:#FBFAF8;overflow:hidden}
.hero:after{display:none}
.wrap.hero-grid{width:100%;max-width:none;margin:0;padding:0;display:grid;grid-template-columns:minmax(0,1.1fr) minmax(390px,.9fr);gap:0;align-items:stretch;min-height:520px}
.hero-copy{padding:clamp(50px,6.1vw,88px) clamp(28px,5vw,76px) 48px max(28px,calc((100vw - 1180px)/2));align-self:center}
.hero-copy .eyebrow{display:flex;align-items:center;gap:15px}
.hero-copy .eyebrow:before{content:"";width:32px;height:4px;border-radius:9px;background:#FF7F3F;flex:none}
.hero h1{max-width:700px;margin:22px 0 20px;color:#123B65;font-size:clamp(42px,5.25vw,72px);line-height:1.055}
.accent-dot{color:#FF7F3F}
.hero .lead{max-width:640px;font-size:clamp(17px,1.7vw,20px);line-height:1.58;color:#496783}
.hero .actions{gap:12px;margin:24px 0 24px}
.hero .button{padding:14px 22px}
.hero .trust-row{gap:0;color:#17436D;font-weight:620}
.hero .trust-row span{display:flex;align-items:center;padding:0 14px;border-right:1px solid #D7E0E7;line-height:1.35}
.hero .trust-row span:first-child{padding-left:0}
.hero .trust-row span:last-child{border:0}
.hero .trust-row span:before{color:#035397;font-size:18px}
.portrait-frame{position:relative;max-width:none;width:100%;height:100%;min-height:520px;margin:0;padding:0;align-self:stretch}
.portrait-frame:before{display:none}
.portrait-frame img{width:100%;height:100%;min-height:520px;max-height:640px;object-fit:cover;object-position:50% 32%;border-radius:0;box-shadow:none}
.portrait-note{right:24px;bottom:22px;background:rgba(255,255,255,.96);border:1px solid rgba(255,255,255,.8);padding:13px 17px;border-radius:14px;box-shadow:0 12px 30px rgba(14,40,65,.15)}
.portrait-note strong{color:#123B65}.portrait-note span{color:#536A82}

/* Services: warm surface, practical blue icons, clean cards */
#sluzby{background:#FBFAF8}
#sluzby .section-head{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(250px,.75fr);column-gap:44px;align-items:end;max-width:none;margin-bottom:30px}
#sluzby .section-head .eyebrow{grid-column:1/-1}
#sluzby .section-head h2{max-width:620px;margin:12px 0 0}
#sluzby .section-head p{margin:0 0 4px;font-size:17px;line-height:1.55}
.cards{gap:18px}
.card{padding:26px 26px 25px;border:1px solid #E1E6E9;border-radius:18px;background:#fff;box-shadow:0 10px 27px rgba(18,59,101,.055);transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.card:before{height:3px;background:#035397!important;opacity:.95}
.card:hover{transform:translateY(-3px);border-color:#BDD1E2;box-shadow:0 16px 34px rgba(18,59,101,.1)}
.card .topic-icon,.topic-icon{width:50px;height:50px;margin-bottom:18px;border-radius:15px;background:#EAF2FC!important;color:#035397!important;box-shadow:none}
.topic-icon svg{width:26px;height:26px}
.card .number{margin-bottom:8px;color:#035397;letter-spacing:.1em}
.card h3{margin-bottom:10px;color:#123B65}
.card p{font-size:15px;line-height:1.62;color:#536A82}
.card a{color:#035397}
.resource-links a{color:#035397;border-color:#E1E6E9;background:#fff;border-radius:12px}
.resource-links a:hover{border-color:#A9C7DF;background:#F4F8FB}

/* Signature blue section with a short statement and three readable cards */
#main .brand-section#muj-pristup{padding-block:48px;background:linear-gradient(112deg,#035397 0%,#07528D 58%,#0A5A98 100%);color:#fff}
#main .brand-section#muj-pristup:before{display:none}
#main .brand-section#muj-pristup>.wrap{display:grid;grid-template-columns:minmax(280px,.85fr) minmax(0,1.65fr);gap:38px;align-items:center}
#main .brand-section#muj-pristup .section-head{max-width:none;margin:0}
#main .brand-section#muj-pristup .section-head .eyebrow{display:flex;align-items:center;gap:14px;color:#fff;font-size:10px}
#main .brand-section#muj-pristup .section-head .eyebrow:before{content:"";width:32px;height:3px;border-radius:9px;background:#FF7F3F}
#main .brand-section#muj-pristup h2{font-size:clamp(31px,3.15vw,43px);line-height:1.15;color:#fff;margin:22px 0 0}
#main .brand-section#muj-pristup .section-head p{display:none}
#main .brand-section#muj-pristup .cards{grid-template-columns:repeat(3,minmax(0,1fr));gap:13px}
#main .brand-section#muj-pristup .card{min-height:205px;padding:20px 18px 18px;border:1px solid rgba(255,255,255,.1);border-radius:14px;background:rgba(255,255,255,.075);box-shadow:none}
#main .brand-section#muj-pristup .card:before{display:none}
#main .brand-section#muj-pristup .topic-icon{width:42px;height:42px;margin-bottom:10px;background:transparent!important;color:#fff!important}
#main .brand-section#muj-pristup .topic-icon svg{width:34px;height:34px}
#main .brand-section#muj-pristup .card .number{color:#FFB38F;font-size:9px}
#main .brand-section#muj-pristup .card h3{font-size:16px;color:#fff;margin:4px 0 9px}
#main .brand-section#muj-pristup .card p{font-size:13px;line-height:1.55;color:#E4F0F8}
#main .brand-section#muj-pristup .card:hover{transform:translateY(-3px);background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.23)}

/* Repeating page rhythm: cream introduction, white information, deep-blue process accents */
.section{padding-block:76px}
.section.paper{background:#F7F3ED}
.section-head{margin-bottom:30px}
.section-head .eyebrow{display:block;margin-bottom:12px}
.section-head h2{margin-bottom:12px}
.section-head p{font-size:16px;line-height:1.65}
.subhero{padding:76px 0 62px;background:#F7F3ED;overflow:hidden}
.subhero:after{display:none}
.subhero .wrap{max-width:980px}
.subhero .eyebrow{display:flex;align-items:center;gap:13px}
.subhero .eyebrow:before{content:"";height:4px;width:30px;border-radius:8px;background:#FF7F3F}
.subhero h1{max-width:900px;color:#123B65;margin:20px 0 18px;font-size:clamp(42px,5.2vw,66px)}
.subhero .lead{max-width:780px;color:#496783;font-size:19px}
.subhero .actions{margin:25px 0 17px}
.subhero .micro{color:#66788B}
.subhero-grid{grid-template-columns:minmax(0,1fr) 380px;gap:46px}
.subhero-photo{border-radius:20px;box-shadow:0 16px 36px rgba(18,59,101,.12)}
.steps{gap:18px}
.step{padding:21px 20px 6px;border-top:3px solid #035397;border-radius:0;background:linear-gradient(180deg,rgba(3,83,151,.04),transparent 62%)}
.step-num{color:#035397}
.step h3{margin-top:10px}
.trust-band{border-radius:20px;background:linear-gradient(112deg,#123B65,#035397);box-shadow:0 17px 38px rgba(18,59,101,.15)}
.trust-band:before{display:none}
.trust-band h2{font-size:clamp(28px,3vw,39px)}
.trust-band .eyebrow{color:#FFB38F!important}
.contact-grid{gap:48px}
.contact-info .lead{color:#536A82}
.contact-item{background:#fff;border-color:#E2E6E8;border-radius:15px}
.contact-symbol{width:44px;height:44px;background:#EAF2FC;color:#035397;border-radius:14px}
.contact-symbol svg{width:22px;height:22px}
.contact-item strong{color:#123B65}
.contact-item small{color:#64788D}
.contact-map{border:0;border-radius:15px;box-shadow:0 8px 22px rgba(18,59,101,.08)}
.form-card{border:1px solid #E2E6E8;border-radius:19px;background:#fff;box-shadow:0 14px 34px rgba(18,59,101,.07)}
.field label{color:#123B65}
.field input,.field textarea{border-color:#D8E0E5;background:#FBFCFD;color:#21364D}
.field input:focus,.field textarea:focus{outline:3px solid rgba(3,83,151,.13);border-color:#035397}
.legal-page .legal-content{background:#fff;border-color:#E2E6E8}
.site-footer{background:#102D4B;color:#EDF4FA}
.site-footer .brand{color:#fff}
.site-footer h3{color:#fff}
.site-footer a{color:#DCEAF5}
.legal-text{color:#C5D4E2}
.footer-meta{color:#B4C8D9;border-color:rgba(255,255,255,.16)}

/* Dark palette keeps the same hierarchy while replacing paper with ink navy. */
html[data-theme="dark"]{--pine:#EAF2FA;--pine-2:#8BC5F2;--brass:#FF7F3F;--paper:#1C2632;--paper-2:#151F2B;--surface:#202C3A;--surface-2:#273545;--ink:#E7EEF5;--muted:#AEBCCB;--text-soft:#C4D1DF;--line:#3A4A5A;--shadow:0 16px 42px rgba(0,0,0,.24)}
html[data-theme="dark"] body{background:#151F2B;color:#E7EEF5}
html[data-theme="dark"] h1,html[data-theme="dark"] h2,html[data-theme="dark"] h3{color:#EAF2FA}
html[data-theme="dark"] .site-header{background:rgba(18,30,44,.96);border-color:#33465A}
html[data-theme="dark"] .nav-links a{color:#D2E1EF}
html[data-theme="dark"] .nav-links a:hover{color:#FF9A66}
html[data-theme="dark"] .theme-toggle,html[data-theme="dark"] .menu-button{background:#202C3A;border-color:#3A4A5A;color:#D3DFEA}
html[data-theme="dark"] .hero,html[data-theme="dark"] .subhero{background:linear-gradient(115deg,#172638,#1B2B3D 60%,#203346)}
html[data-theme="dark"] .hero h1,html[data-theme="dark"] .subhero h1{color:#F2F6FA}
html[data-theme="dark"] .hero .lead,html[data-theme="dark"] .subhero .lead{color:#C8D6E4}
html[data-theme="dark"] .hero .trust-row{color:#D2E1EF}
html[data-theme="dark"] .hero .trust-row span{border-color:#43566A}
html[data-theme="dark"] .portrait-note{background:rgba(26,39,54,.96);border-color:#43566A}
html[data-theme="dark"] .portrait-note strong{color:#F2F6FA}
html[data-theme="dark"] .portrait-note span{color:#C4D1DF}
html[data-theme="dark"] #sluzby{background:#151F2B}
html[data-theme="dark"] .section.paper{background:#1C2632}
html[data-theme="dark"] .card,html[data-theme="dark"] .form-card,html[data-theme="dark"] .contact-item,html[data-theme="dark"] .simulator,html[data-theme="dark"] .loan-calculator{background:#202C3A;border-color:#3A4A5A;box-shadow:0 14px 34px rgba(0,0,0,.2)}
html[data-theme="dark"] .card h3,html[data-theme="dark"] .contact-item strong,html[data-theme="dark"] .field label{color:#EAF2FA}
html[data-theme="dark"] .card p,html[data-theme="dark"] .section-head p,html[data-theme="dark"] .step p,html[data-theme="dark"] .lead,html[data-theme="dark"] .micro,html[data-theme="dark"] .form-note{color:#C4D1DF}
html[data-theme="dark"] .card .topic-icon,html[data-theme="dark"] .topic-icon{background:#243B52!important;color:#9ACBF3!important}
html[data-theme="dark"] .card:before{background:#8BC5F2!important}
html[data-theme="dark"] .card .number,html[data-theme="dark"] .step-num,html[data-theme="dark"] .eyebrow{color:#9ACBF3}
html[data-theme="dark"] .subhero .micro{color:#C4D1DF}
html[data-theme="dark"] .contact-symbol{background:#243B52;color:#9ACBF3}
html[data-theme="dark"] .field input,html[data-theme="dark"] .field textarea,html[data-theme="dark"] .number-row input[type=number],html[data-theme="dark"] .loan-value-row input:is([type=number],[data-loan-money]){background:#172330;color:#E7EEF5;border-color:#40536A}
html[data-theme="dark"] .step{background:linear-gradient(180deg,rgba(139,197,242,.06),transparent 62%);border-color:#8BC5F2}
html[data-theme="dark"] .trust-band,html[data-theme="dark"] .brand-section{background:linear-gradient(112deg,#102D4B,#123B65)}
html[data-theme="dark"] #main .brand-section#muj-pristup{background:linear-gradient(112deg,#0D355B,#123B65 62%,#173F65)}
html[data-theme="dark"] #main .brand-section#muj-pristup h2,html[data-theme="dark"] #main .brand-section#muj-pristup .card h3{color:#fff}
html[data-theme="dark"] #main .brand-section#muj-pristup .topic-icon{background:transparent!important;color:#fff!important}
html[data-theme="dark"] .button.secondary{background:#202C3A;color:#A9D4F5;border-color:#75A9D2}
html[data-theme="dark"] .button.secondary:hover{background:#29384A;color:#fff}
html[data-theme="dark"] .site-footer{background:#0C1E31}
html[data-theme="dark"] .legal-page .legal-content{background:#202C3A;border-color:#3A4A5A}
html[data-theme="dark"] .legal-content p,html[data-theme="dark"] .legal-content li{color:#C4D1DF}

@media(max-width:980px){
  .wrap.hero-grid{grid-template-columns:minmax(0,1fr) minmax(320px,.82fr)}
  .hero-copy{padding-right:32px}
  .hero .trust-row{row-gap:10px}
  #main .brand-section#muj-pristup>.wrap{grid-template-columns:1fr;gap:24px}
  #main .brand-section#muj-pristup .section-head p{display:block;margin-top:14px;color:#E4F0F8}
}
@media(max-width:700px){
  .site-header{height:68px}
  .nav-actions{gap:7px}
  .theme-toggle{padding:8px 9px;font-size:11px}
  .wrap.hero-grid{display:flex;flex-direction:column;width:100%;min-height:0}
  .hero-copy{padding:46px 22px 28px}
  .hero h1{font-size:clamp(40px,10.8vw,54px);margin:18px 0 16px}
  .hero .lead{font-size:17px}
  .hero .actions{margin:20px 0;gap:9px}
  .hero .actions .button{width:100%}
  .hero .trust-row{gap:8px 0;font-size:12px}
  .hero .trust-row span{padding:0 9px}
  .hero .trust-row span:first-child{padding-left:0}
  .portrait-frame{width:100%;min-height:0;height:330px}
  .portrait-frame img{width:100%;height:330px;min-height:330px;max-height:330px;object-position:50% 31%}
  .portrait-note{right:14px;bottom:14px;padding:10px 13px}
  #sluzby .section-head{grid-template-columns:1fr;gap:8px}
  #sluzby .section-head .eyebrow{grid-column:auto}
  #sluzby .section-head h2{margin-top:4px}
  #sluzby .section-head p{margin-top:2px}
  #main .brand-section#muj-pristup{padding-block:48px}
  #main .brand-section#muj-pristup .cards{grid-template-columns:1fr;gap:12px}
  #main .brand-section#muj-pristup .card{min-height:0;padding:20px}
  #main .brand-section#muj-pristup .section-head p{display:block}
  .section{padding-block:58px}
  .subhero{padding:52px 0 44px}
  .subhero h1{font-size:clamp(39px,10vw,52px)}
  .subhero .lead{font-size:17px}
  .subhero-grid{grid-template-columns:1fr;gap:22px}
  .subhero-photo{height:300px;max-width:100%;object-position:center 32%}
  .cards,.steps{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr;gap:25px}
  .form-card{padding:22px}
  .trust-band{padding:29px 23px;align-items:flex-start;flex-direction:column}
  .footer-grid{grid-template-columns:1fr}
  .footer-grid>div:first-child{grid-column:auto}
  .footer-meta{flex-direction:column}
}
@media(max-width:420px){
  .hero-copy{padding-inline:18px}
  .hero .trust-row span{font-size:11px;padding-inline:6px}
  .nav-actions .theme-toggle span:last-child{max-width:65px}
  .button,.nav-cta{padding-inline:16px}
}
@media(prefers-reduced-motion:reduce){.card,.button,.nav-cta{transition:none}}
/* The wordmark follows the same deep-blue / Beplan-orange pairing as the mockup. */
.brand-main{color:#123B65!important}
.brand-accent{color:#FF7F3F!important}
html[data-theme="dark"] .brand-main,html[data-theme="dark"] .site-footer .brand-main{color:#91C8F2!important}
html[data-theme="dark"] .brand-accent,html[data-theme="dark"] .site-footer .brand-accent{color:#FF7F3F!important}
.site-footer .brand-main{color:#91C8F2!important}


/* One calm blue icon language across service cards and process steps. */
.card .topic-icon,.card:nth-child(even) .topic-icon,.step .topic-icon{
  background:#eaf2fc;color:#035397;border:1px solid rgba(3,83,151,.08)
}
.step .topic-icon{width:46px;height:46px;border-radius:14px;margin:0 0 14px;box-shadow:inset 0 0 0 1px rgba(3,83,151,.04)}
.step .topic-icon svg{width:23px;height:23px}
html[data-theme="dark"] .card .topic-icon,html[data-theme="dark"] .card:nth-child(even) .topic-icon,html[data-theme="dark"] .step .topic-icon{
  background:#1d344a;color:#8bc5ff;border-color:#2c4b69
}
@media(max-width:700px){.step .topic-icon{width:42px;height:42px;margin-bottom:12px}}


/* Supporting notes beneath investment cards stay readable, but sit apart from the main copy. */
.investment-options .card p.micro{
  margin:12px 0 0;padding:10px 12px;border-left:2px solid #8DB5D8;border-radius:0 9px 9px 0;
  background:#F1F5F8;color:#536B82;font-size:13px;line-height:1.55
}
html[data-theme="dark"] .investment-options .card p.micro{
  background:#293949;color:#C0CDDA;border-left-color:#78AEDA
}
/* Homepage section labels now have the same clear presence as the approved mockup. */
.hero .eyebrow,#sluzby .section-head .eyebrow{
  font-size:14px;font-weight:800;letter-spacing:.13em
}
@media(max-width:700px){.hero .eyebrow,#sluzby .section-head .eyebrow{font-size:12.5px;letter-spacing:.11em}}


/* High-contrast loan inputs stay readable in both light and dark page themes. */
.refined-loan .loan-value-row input:is([type="number"],[data-loan-money]){
  background:#172330;color:#F2F6FA;border-color:#40536A;color-scheme:dark
}
@media(min-width:761px) and (max-width:1040px){
  .nav{gap:10px}.nav-links{gap:10px}.nav-links a{font-size:12px}.nav-cta{padding:10px 12px;font-size:12px}
  .theme-toggle{padding:8px 10px;font-size:12px}
}


/* Homepage portrait, process-number styling, and responsive sizing. */
.wrap.hero-grid{min-height:490px;grid-template-columns:minmax(0,1.1fr) minmax(360px,.9fr)}
.portrait-frame{
  width:min(100%,500px);height:460px;min-height:460px;max-width:500px;
  justify-self:end;margin:0 clamp(24px,4vw,60px) 0 0;align-self:center
}
.portrait-frame img{
  width:100%;height:460px;min-height:460px;max-height:460px;
  border-radius:22px;object-position:50% 32%;box-shadow:0 18px 42px rgba(18,59,101,.14)
}
/* Numbering is part of each heading, so it inherits exactly the same font and color. */
.steps .step{
  display:grid;grid-template-columns:minmax(0,1fr);row-gap:8px;align-content:start
}
.steps .step .topic-icon{grid-column:1;grid-row:1;margin:0 0 8px}
.steps .step h3{grid-column:1;grid-row:2;align-self:center;margin:0;color:#123B65}
.steps .step p{grid-column:1;grid-row:3;margin:0}
html[data-theme="dark"] .steps .step h3{color:#EAF2FA}
@media(max-width:980px){
  .wrap.hero-grid{min-height:470px;grid-template-columns:minmax(0,1fr) minmax(320px,.82fr)}
  .portrait-frame{width:min(100%,450px);height:440px;min-height:440px;margin-right:22px}
  .portrait-frame img{height:440px;min-height:440px;max-height:440px}
}
@media(max-width:700px){
  .wrap.hero-grid{min-height:0}
  .portrait-frame{width:100%;height:328px;min-height:328px;max-width:none;margin:0 auto;padding:0 18px 18px}
  .portrait-frame img{width:100%;height:310px;min-height:310px;max-height:310px;border-radius:20px}
  .steps .step{grid-template-columns:minmax(0,1fr)}
}

/* Nudge the homepage portrait slightly toward the page center. */
.portrait-frame{transform:translateX(-14px)}
@media(max-width:980px) and (min-width:701px){.portrait-frame{transform:translateX(-12px)}}
@media(max-width:700px){.portrait-frame{transform:none}}

/* Keep card titles readable over the blue feature sections in the light theme. */
.brand-section .card h3{color:#fff}

/* Give the life insurance page the same generous visual scale as the homepage. */
.subhero .wrap{max-width:1200px}
.subhero-grid{grid-template-columns:minmax(0,1fr) minmax(420px,500px);gap:clamp(48px,6vw,88px);align-items:center}
.subhero-photo{width:100%;height:500px;max-height: min(58vw,560px);object-fit:cover;object-position:50% 30%;border-radius:24px}
@media(max-width:980px) and (min-width:701px){
  .subhero .wrap{max-width:1000px}
  .subhero-grid{grid-template-columns:minmax(0,1fr) minmax(320px,40%);gap:34px}
  .subhero-photo{height:430px;max-height:none}
}
@media(max-width:700px){
  .subhero .wrap{max-width:none}
  .subhero-grid{grid-template-columns:1fr;gap:24px}
  .subhero-photo{height:340px;max-height:none;object-position:center 30%;border-radius:20px}
}

/* Add breathing room between the life insurance copy and portrait. */
@media(min-width:981px){
  .subhero-grid{gap:clamp(96px,8vw,124px)}
  .subhero-photo{transform:translateX(28px)}
}
@media(max-width:980px) and (min-width:701px){
  .subhero-grid{gap:42px}
  .subhero-photo{transform:translateX(12px)}
}
@media(max-width:700px){.subhero-photo{transform:none}}

/* Match the life insurance portrait to the homepage image proportions and alignment. */
@media(min-width:981px){
  .subhero-grid{grid-template-columns:minmax(0,1fr) minmax(420px,500px);gap:clamp(80px,8vw,125px)}
  .subhero-photo{height:460px;max-height:460px;transform:translateX(40px)}
}
@media(max-width:980px) and (min-width:701px){
  .subhero-grid{grid-template-columns:minmax(0,1fr) minmax(300px,40%);gap:42px}
  .subhero-photo{height:420px;max-height:420px;max-width:400px;justify-self:end;transform:translateX(20px)}
}
@media(max-width:700px){.subhero-photo{height:340px;max-height:none;max-width:100%;transform:none}}