/* ── DESIGN TOKENS ── */
:root{
  --p:#003d6b;--p-dark:#00284a;--p-mid:#004f8b;--p-soft:#1a5a96;
  --p-tint:#e6eef7;--p-tint2:#ccdcee;
  --gold:#b8860b;--gold-lt:#d4a017;--gold-pl:#fdf6e3;
  --white:#ffffff;--off:#f5f7fa;--off2:#edf1f6;
  --text:#1a2535;--mid:#3a4f63;--muted:#56687a;
  --border:#d8e2ec;--bdr-dk:#b8c8d8;
  --sh-xs:0 1px 3px rgba(0,40,74,.06),0 1px 2px rgba(0,40,74,.04);
  --sh-sm:0 2px 8px rgba(0,40,74,.08),0 1px 4px rgba(0,40,74,.05);
  --sh-md:0 4px 20px rgba(0,40,74,.11),0 2px 8px rgba(0,40,74,.07);
  --r:4px;--r2:8px;--r3:12px;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px;scroll-padding-top:108px;}
@media(max-width:768px){html{scroll-padding-top:70px;}}
@media(max-width:480px){html{scroll-padding-top:60px;}}
body{font-family:'Lato',sans-serif;font-size:1rem;line-height:1.72;color:var(--text);background:var(--white);overflow-x:hidden;-webkit-font-smoothing:antialiased;padding-top:108px;}
::-webkit-scrollbar{width:4px}::-webkit-scrollbar-track{background:var(--p-dark)}::-webkit-scrollbar-thumb{background:var(--gold);border-radius:2px}
a{color:inherit;text-decoration:none}img{display:block;max-width:100%}button{font-family:inherit;cursor:pointer;border:none;outline:none}

/* ── TOPBAR ── */
.topbar{background:#00284a!important;height:38px!important;display:flex!important;align-items:center!important;justify-content:space-between!important;padding:0 1.5rem!important;border-bottom:1px solid rgba(255,255,255,.06)!important;position:fixed!important;top:0!important;left:0!important;right:0!important;z-index:1100!important;}
.topbar-left{font-family:'Source Code Pro',monospace!important;font-size:.68rem!important;color:#d4a017!important;letter-spacing:.06em!important;text-transform:uppercase!important;}
.topbar-right{display:flex!important;align-items:center!important;gap:1.6rem!important;}
.topbar-link{display:flex!important;align-items:center!important;gap:.4rem!important;font-family:'Source Code Pro',monospace!important;font-size:.7rem!important;color:rgba(255,255,255,.6)!important;text-decoration:none!important;transition:color .2s!important;}
.topbar-link:hover{color:#d4a017!important;}
.topbar-link svg{width:12px!important;height:12px!important;fill:currentColor!important;flex-shrink:0!important;}
.tb-sep{width:1px!important;height:14px!important;background:rgba(255,255,255,.15)!important;}

/* ── NAV ── */
nav{position:fixed;top:38px;left:0;right:0;z-index:1000;height:70px;background:var(--white);display:flex;align-items:center;justify-content:space-between;padding:0 3rem;border-bottom:3px solid var(--gold);box-shadow:var(--sh-sm);transition:box-shadow .3s;}
nav.scrolled{box-shadow:var(--sh-md)}
.nav-brand{display:flex;align-items:center;gap:.9rem}
.nav-mark{width:50px;height:50px;background:var(--white);border-radius:var(--r);display:flex;align-items:center;justify-content:center;border:1.5px solid rgba(184,134,11,.3);flex-shrink:0;overflow:hidden;padding:3px;}
.nav-mark img{width:100%;height:100%;object-fit:contain;display:block}
.nav-text{display:flex;flex-direction:column;gap:1px}
.nav-name{font-family:'Merriweather',serif;font-size:1.08rem;font-weight:700;color:#d4a017;line-height:1;letter-spacing:-.015em;}
.nav-sub{font-family:'Source Code Pro',monospace;font-size:.58rem;color:var(--muted);letter-spacing:.12em;text-transform:uppercase;}
.nav-links{display:flex;list-style:none;align-items:center}
.nav-links li a{font-size:.86rem;font-weight:700;color:var(--mid);padding:.42rem .82rem;border-radius:var(--r);transition:color .2s,background .2s;display:block;}
.nav-links li a:hover{color:var(--p);background:var(--p-tint)}
.nav-links .cta a{background:var(--p);color:var(--white)!important;margin-left:.4rem;padding:.46rem 1.2rem!important;border-radius:var(--r);}
.nav-links .cta a:hover{background:var(--p-soft)!important;box-shadow:0 4px 14px rgba(0,61,107,.3)}
.hamburger{display:none;flex-direction:column;gap:5px;padding:6px;background:none;border:none}
.hamburger span{display:block;width:22px;height:2px;background:var(--p);border-radius:2px;transition:all .3s}
.mob-menu{display:none;position:fixed;top:108px;left:0;right:0;background:var(--white);border-top:3px solid var(--gold);border-bottom:1px solid var(--border);padding:.75rem 1.5rem;z-index:999;flex-direction:column;box-shadow:var(--sh-md);height:auto !important;max-height:calc(100vh - 70px);overflow-y:auto;align-items:stretch !important;justify-content:flex-start !important;}
.mob-menu.open{display:flex}
.mob-menu a{font-size:.9rem;font-weight:700;color:var(--mid);padding:.68rem .5rem;border-bottom:1px solid var(--border);transition:color .2s;}
.mob-menu a:last-child{border:none;color:var(--p);font-weight:900}
.mob-menu a:hover{color:var(--p)}

/* ── FOOTER ── */
footer{background:#010f1c;border-top:1px solid rgba(184,134,11,.18);padding:3.5rem 3rem 2rem;}
.footer-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:3rem;padding-bottom:2.5rem;border-bottom:1px solid rgba(255,255,255,.06);}
.footer-brand-col{}.footer-logo-row{display:flex;align-items:center;gap:.8rem;margin-bottom:.9rem}
.footer-mark{width:44px;height:44px;background:var(--white);border-radius:var(--r);display:flex;align-items:center;justify-content:center;border:1.5px solid rgba(184,134,11,.25);flex-shrink:0;overflow:hidden;padding:3px;}
.footer-mark img{width:100%;height:100%;object-fit:contain;display:block}
.footer-brand-name{font-family:'Merriweather',serif;font-size:1.15rem;font-weight:900;color:var(--white)}.footer-brand-name span{color:var(--gold)}
.footer-tagline{font-size:.87rem;font-weight:300;color:rgba(255,255,255,.38);line-height:1.7;margin-bottom:1.4rem;max-width:280px;}
.footer-contact-row{display:flex;flex-direction:column;gap:.5rem}
.footer-contact-item{display:flex;align-items:center;gap:.5rem;font-size:.83rem;color:rgba(255,255,255,.45);transition:color .2s;}
.footer-contact-item:hover{color:var(--gold-lt)}.footer-contact-item svg{width:13px;height:13px;fill:currentColor;flex-shrink:0}
.footer-col-title{font-family:'Lato',sans-serif;font-size:.7rem;font-weight:900;color:rgba(255,255,255,.55);letter-spacing:.12em;text-transform:uppercase;margin-bottom:1.1rem;padding-bottom:.5rem;border-bottom:1px solid rgba(184,134,11,.18);}
.footer-links{display:flex;flex-direction:column;gap:.55rem}.footer-links a{font-size:.85rem;color:rgba(255,255,255,.4);transition:color .2s;font-weight:400}.footer-links a:hover{color:var(--gold-lt)}
.footer-bottom{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;padding-top:1.5rem;flex-wrap:wrap;gap:1rem;}
.footer-copy{font-family:'Source Code Pro',monospace;font-size:.67rem;color:rgba(255,255,255,.2)}
.footer-social{display:flex;gap:.6rem}.footer-social a{width:32px;height:32px;border:1px solid rgba(255,255,255,.1);border-radius:var(--r);display:grid;place-items:center;color:rgba(255,255,255,.35);font-family:'Source Code Pro',monospace;font-size:.65rem;font-weight:600;transition:all .2s;}
.footer-social a:hover{border-color:var(--gold);color:var(--gold-lt);background:rgba(184,134,11,.08)}

/* ── WA FLOAT ── */
.wa-float{position:fixed;bottom:28px;right:28px;z-index:9999;display:flex;align-items:center;gap:0;cursor:pointer;text-decoration:none;}
.wa-float__label{background:#25d366;color:#fff;font-family:'Lato',sans-serif;font-size:.82rem;font-weight:700;padding:.45rem .9rem .45rem 1.1rem;border-radius:24px 0 0 24px;white-space:nowrap;max-width:0;overflow:hidden;opacity:0;transition:max-width .35s ease,opacity .25s ease;box-shadow:-2px 4px 14px rgba(0,0,0,.15);}
.wa-float:hover .wa-float__label{max-width:220px;opacity:1}
.wa-float__icon{width:58px;height:58px;background:#25d366;border-radius:50%;display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:0 4px 20px rgba(37,211,102,.45),0 2px 8px rgba(0,0,0,.15);transition:transform .25s ease,box-shadow .25s ease;position:relative;}
.wa-float__icon svg{width:30px;height:30px}
.wa-float:hover .wa-float__icon{transform:scale(1.1) rotate(-5deg);box-shadow:0 6px 28px rgba(37,211,102,.6),0 3px 12px rgba(0,0,0,.2)}
.wa-float__icon::after{content:'';position:absolute;width:58px;height:58px;border-radius:50%;background:rgba(37,211,102,.35);animation:waPulse 2.2s ease-out infinite;}
@keyframes waPulse{0%{transform:scale(1);opacity:.7}70%{transform:scale(1.7);opacity:0}100%{transform:scale(1.7);opacity:0}}

/* ── PAGE LAYOUT ── */
.page-wrap{max-width:1000px;margin:0 auto;padding:3rem 1.5rem 5rem}

/* ── HERO ── */
.page-hero{background:var(--p);padding:3rem 3rem 2.5rem;border-radius:var(--r2);margin-bottom:2rem;position:relative;overflow:hidden;}
.page-hero::before{content:'';position:absolute;inset:0;background-image:repeating-linear-gradient(-60deg,transparent,transparent 44px,rgba(255,255,255,.016) 44px,rgba(255,255,255,.016) 45px),repeating-linear-gradient(30deg,transparent,transparent 44px,rgba(255,255,255,.01) 44px,rgba(255,255,255,.01) 45px);}
.page-hero::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,transparent 0%,var(--gold) 30%,var(--gold-lt) 70%,transparent 100%);}
.hero-inner{position:relative;z-index:2}
.hero-kicker{display:inline-flex;align-items:center;gap:.5rem;background:rgba(184,134,11,.14);border:1px solid rgba(184,134,11,.32);color:var(--gold-lt);font-family:'Source Code Pro',monospace;font-size:.7rem;font-weight:500;letter-spacing:.13em;text-transform:uppercase;padding:5px 14px;border-radius:2px;margin-bottom:1rem;}
.kicker-dot{width:7px;height:7px;background:var(--gold);border-radius:50%;animation:kdot 2s ease-in-out infinite}
@keyframes kdot{0%,100%{opacity:1}50%{opacity:.3}}
.page-hero h1{font-family:'Merriweather',serif;font-size:clamp(1.6rem,3.5vw,2.4rem);font-weight:900;color:var(--white);letter-spacing:-.025em;line-height:1.15;margin-bottom:.6rem;}
.page-hero h1 .gold{color:var(--gold)}
.page-hero p{font-size:.97rem;font-weight:300;color:rgba(255,255,255,.6);line-height:1.78;max-width:580px;}

/* ── PANEL ── */
.panel{background:var(--white);border:1.5px solid var(--border);border-radius:var(--r2);margin-bottom:1.1rem;overflow:hidden;box-shadow:var(--sh-xs);transition:box-shadow .25s;}
.panel:hover{box-shadow:var(--sh-sm)}
.panel-head{padding:1rem 1.4rem;display:flex;align-items:center;gap:12px;border-bottom:1px solid var(--border);background:var(--off);}
.step-badge{width:26px;height:26px;border-radius:50%;background:var(--p);color:#fff;font-size:11px;font-weight:700;display:flex;align-items:center;justify-content:center;font-family:'Source Code Pro',monospace;flex-shrink:0;}
.ph-title{font-family:'Merriweather',serif;font-size:.98rem;font-weight:700;color:var(--p);line-height:1.2}
.ph-sub{font-size:.78rem;color:var(--muted);margin-top:1px}
.panel-body{padding:1.25rem 1.4rem}

/* ── SECTION DIVIDERS ── */
.sec-div{font-family:'Merriweather',serif;font-size:.82rem;font-weight:700;color:var(--white);background:var(--p);border-radius:var(--r);padding:.5rem .9rem;margin:1.3rem 0 .9rem;display:flex;align-items:center;gap:.5rem;}
.sec-div.gold-div{background:var(--gold);color:#fff;}
.sec-div.gray-div{background:var(--off2);color:var(--mid);border:1px solid var(--border);}
.sec-div .sec-sub{font-family:'Lato',sans-serif;font-size:.68rem;font-weight:400;opacity:.8;letter-spacing:0;text-transform:none;}

/* ── FORM GRID ── */
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:.85rem}
.fld{display:flex;flex-direction:column;gap:4px}
.fld.full{grid-column:1 / -1}
.flbl{font-size:.68rem;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.07em;font-family:'Source Code Pro',monospace;line-height:1.4;}
.opt{font-size:.62rem;font-weight:400;color:var(--bdr-dk);letter-spacing:0;text-transform:none;}
.hint{font-size:.65rem;color:var(--bdr-dk);font-family:'Source Code Pro',monospace;margin-top:2px;}

/* ── INPUTS ── */
.pw{position:relative}
.pfx{position:absolute;left:9px;top:50%;transform:translateY(-50%);color:var(--muted);font-family:'Source Code Pro',monospace;font-size:.82rem;pointer-events:none;font-weight:600;z-index:1;width:16px;text-align:center;}
.pw input{padding-left:26px!important;}
input[type=text]{width:100%;padding:.62rem .9rem;background:var(--off);border:1.5px solid var(--border);border-radius:var(--r);font-family:'Source Code Pro',monospace;font-size:.88rem;color:var(--text);outline:none;transition:border-color .2s,background .2s,box-shadow .2s;}
select{width:100%;padding:.62rem .9rem;background:var(--off);border:1.5px solid var(--border);border-radius:var(--r);font-family:'Lato',sans-serif;font-size:.92rem;color:var(--text);outline:none;transition:border-color .2s,background .2s,box-shadow .2s;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='11' height='11' viewBox='0 0 24 24' fill='none' stroke='%2356687a' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 10px center;padding-right:28px;-webkit-appearance:none;appearance:none;}
input[type=text]:focus,select:focus{border-color:var(--p);background:var(--white);box-shadow:0 0 0 3px rgba(0,61,107,.1)}
input[type=text]::placeholder{color:var(--bdr-dk);font-family:'Lato',sans-serif;font-size:.85rem;}

/* ── LIVE TOTALS ── */
.total-row{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:.5rem;padding:.75rem 1rem;background:var(--p-tint);border:1.5px solid var(--p-tint2);border-radius:var(--r);margin:.4rem 0;}
.total-row.gold{background:var(--gold-pl);border-color:rgba(184,134,11,.3);}
.total-lbl{font-size:.85rem;font-weight:700;color:var(--p);font-family:'Merriweather',serif;}
.total-lbl.gold{color:var(--gold)}
.total-val{font-family:'Source Code Pro',monospace;font-size:.92rem;font-weight:700;color:var(--p);}
.total-val.gold{color:var(--gold)}

/* ── CALC BUTTON ── */
.cbtn{width:100%;padding:.9rem;background:var(--p);color:#fff;border:none;border-radius:var(--r);font-family:'Lato',sans-serif;font-size:.95rem;font-weight:900;cursor:pointer;transition:all .2s;display:flex;align-items:center;justify-content:center;gap:8px;margin-top:.9rem;letter-spacing:.02em;}
.cbtn:hover{background:var(--p-mid);transform:translateY(-2px);box-shadow:0 6px 20px rgba(0,61,107,.28)}
.cbtn:active{transform:translateY(0)}
.cbtn svg{transition:transform .18s}.cbtn:hover svg{transform:translateX(3px)}

/* ── RESULT PANEL ── */
.rp{display:none;background:var(--white);border:1.5px solid var(--border);border-radius:var(--r2);margin-top:.75rem;overflow:hidden;box-shadow:var(--sh-sm);}
.rp.show{display:block;animation:riseIn .3s ease both}
@keyframes riseIn{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}
.rp-head{padding:1rem 1.4rem;display:flex;align-items:flex-start;justify-content:space-between;gap:12px;border-bottom:1px solid var(--border);background:var(--off);flex-wrap:wrap;}
.rhl h3{font-family:'Merriweather',serif;font-size:1.05rem;font-weight:700;color:var(--p)}
.rhl p{font-size:.72rem;color:var(--muted);font-family:'Source Code Pro',monospace;margin-top:3px}
.rp-body{padding:1.25rem 1.4rem}

/* ── WINNER BANNER ── */
.winner-banner{border-radius:var(--r2);padding:1rem 1.2rem;margin-bottom:1.2rem;display:flex;align-items:center;gap:.8rem;border:2px solid;}
.winner-banner.new-wins{background:var(--p-tint);border-color:var(--p);}
.winner-banner.old-wins{background:var(--gold-pl);border-color:var(--gold);}
.winner-banner.tie{background:var(--off2);border-color:var(--border);}
.wb-icon{font-size:1.6rem;flex-shrink:0;}
.wb-text{flex:1}
.wb-title{font-family:'Merriweather',serif;font-size:1rem;font-weight:900;color:var(--p);margin-bottom:.1rem;}
.wb-title.gold{color:var(--gold)}
.wb-sub{font-size:.8rem;color:var(--mid);}

/* ── SIDE BY SIDE CARDS ── */
.regime-compare{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-bottom:1.2rem;}
.rc{border:2px solid var(--border);border-radius:var(--r2);overflow:hidden;}
.rc.best{border-color:var(--p);box-shadow:var(--sh-sm);}
.rc.best.gold-best{border-color:var(--gold);}
.rc-head{padding:.75rem 1rem;display:flex;align-items:center;justify-content:space-between;}
.rc-head.new-h{background:var(--p);color:#fff;}
.rc-head.old-h{background:var(--gold);color:#fff;}
.rc-head-title{font-family:'Merriweather',serif;font-size:.9rem;font-weight:700;}
.rc-badge-best{font-family:'Source Code Pro',monospace;font-size:.6rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:3px 9px;border-radius:2px;background:rgba(255,255,255,.25);color:#fff;white-space:nowrap;}
.rc-body{padding:1rem;}
.rc-tax-big{font-family:'Merriweather',serif;font-size:1.65rem;font-weight:900;color:var(--p);line-height:1;margin-bottom:.15rem;}
.rc-tax-big.gold{color:var(--gold)}
.rc-eff{font-family:'Source Code Pro',monospace;font-size:.7rem;color:var(--muted);margin-bottom:.85rem;}
.rc-line{display:flex;justify-content:space-between;align-items:baseline;padding:.3rem 0;border-bottom:1px dashed var(--border);font-size:.8rem;}
.rc-line:last-child{border-bottom:none}
.rc-ll{color:var(--mid)}
.rc-lv{font-family:'Source Code Pro',monospace;font-weight:700;color:var(--text)}
.rc-line.rc-total{padding:.45rem 0;border-top:1.5px solid var(--border);border-bottom:none;margin-top:.25rem;}
.rc-line.rc-total .rc-ll{font-weight:900;color:var(--text);font-size:.85rem;}
.rc-line.rc-total .rc-lv{color:#b91c1c;font-size:.95rem;}
.rc-saving{font-size:.75rem;font-weight:700;color:#15803d;background:#f0fdf4;border:1px solid #bbf7d0;border-radius:3px;padding:3px 8px;display:inline-block;margin-top:.5rem;}

/* ── KV GRID ── */
.kvg{display:grid;grid-template-columns:repeat(2,1fr);gap:.45rem;margin-bottom:.9rem}
.kv{background:var(--off);border-radius:var(--r);padding:.65rem .85rem;border:1px solid var(--border)}
.kvl{font-size:.65rem;color:var(--muted);text-transform:uppercase;letter-spacing:.07em;margin-bottom:3px;font-weight:700;font-family:'Source Code Pro',monospace}
.kvv{font-size:.88rem;font-weight:700;color:var(--text);font-family:'Source Code Pro',monospace;word-break:break-word}

/* ── BREAKDOWN ROWS ── */
.divider{height:1px;background:var(--border);margin:.85rem 0}
.br{display:flex;align-items:baseline;justify-content:space-between;padding:.52rem 0;border-bottom:1px dashed var(--border);gap:.5rem}
.br:last-child{border-bottom:none}
.brl{font-size:.88rem;color:var(--mid);flex:1}
.brv{font-family:'Source Code Pro',monospace;font-size:.95rem;font-weight:700;text-align:right;white-space:nowrap}
.vt{color:#b91c1c}.vn{color:#15803d}.vs{color:var(--p)}

/* ── TABLES ── */
.tw{margin-top:1rem;border:1.5px solid var(--border);border-radius:var(--r2);overflow:hidden}
.tb{padding:.5rem 1rem;font-size:.65rem;font-weight:700;text-transform:uppercase;letter-spacing:.07em;border-bottom:1px solid var(--border)}
.tb-s{background:var(--off);color:var(--p);font-family:'Source Code Pro',monospace}
.tb-sur{background:var(--gold-pl);color:var(--gold);font-family:'Source Code Pro',monospace}
table.tt{width:100%;border-collapse:collapse}
.tt th{font-size:.68rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);padding:7px 10px;border-bottom:1px solid var(--border);text-align:left;font-weight:700;font-family:'Source Code Pro',monospace}
.tt th:not(:first-child){text-align:right}
.tt td{padding:8px 10px;font-size:.82rem;border-bottom:1px solid var(--border);color:var(--mid)}
.tt td:not(:first-child){font-family:'Source Code Pro',monospace;text-align:right}
.tt tr:last-child td{border-bottom:none}
.tt tr.hl td{background:var(--p-tint);color:var(--p);font-weight:700}
.tt tr.hl-sur td{background:var(--gold-pl);color:var(--gold);font-weight:700}

/* ── NOTICES ── */
.notice{border-radius:var(--r);padding:.75rem 1rem;font-size:.82rem;line-height:1.65;display:flex;gap:9px;margin:.6rem 0;}
.ni{flex-shrink:0;margin-top:2px;font-size:.85rem}
.n-bl{background:var(--p-tint);border:1px solid var(--p-tint2);color:var(--p-soft)}
.n-gr{background:#f0fdf4;border:1px solid #bbf7d0;color:#166534}
.n-am{background:var(--gold-pl);border:1px solid rgba(184,134,11,.3);color:#7a4e00}

/* ── RESET ── */
.reset-row{display:none;text-align:center;margin-top:.9rem}
.reset-row.show{display:block}
.btn-ghost{background:transparent;border:1.5px solid var(--border);color:var(--muted);padding:.55rem 1.5rem;border-radius:var(--r);font-family:'Lato',sans-serif;font-size:.85rem;font-weight:700;cursor:pointer;transition:all .15s;}
.btn-ghost:hover{border-color:var(--p);color:var(--p)}

/* ── DISCLAIMER ── */
.disclaimer-box{margin-top:2rem;border:1.5px solid var(--border);border-left:4px solid var(--gold);border-radius:var(--r2);background:var(--gold-pl);overflow:hidden;}
.disclaimer-inner{display:flex;align-items:flex-start;gap:1rem;padding:1.25rem 1.4rem;}
.disclaimer-icon{flex-shrink:0;margin-top:2px;width:32px;height:32px;border-radius:50%;background:rgba(184,134,11,.15);border:1px solid rgba(184,134,11,.3);display:flex;align-items:center;justify-content:center;color:var(--gold);}
.disclaimer-body{flex:1;min-width:0}
.disclaimer-title{font-family:'Merriweather',serif;font-size:.88rem;font-weight:700;color:var(--gold);letter-spacing:.01em;margin-bottom:.5rem;}
.disclaimer-text{font-size:.8rem;color:var(--mid);line-height:1.72;margin-bottom:.55rem;}
.disclaimer-text strong{font-weight:700;color:var(--text)}
.disclaimer-text a{color:var(--p);font-weight:700;text-decoration:underline;text-underline-offset:2px;}
.disclaimer-links{display:flex;flex-wrap:wrap;gap:.5rem;}
.disclaimer-links a{display:inline-flex;align-items:center;gap:5px;font-family:'Source Code Pro',monospace;font-size:.65rem;font-weight:500;letter-spacing:.04em;text-transform:uppercase;color:var(--p);background:var(--p-tint);border:1px solid var(--p-tint2);padding:4px 10px;border-radius:2px;text-decoration:none;transition:all .15s;}
.disclaimer-links a:hover{background:var(--p);color:#fff;border-color:var(--p)}

/* ── RESPONSIVE ── */
@media(max-width:768px){
  nav{padding:0 1.3rem}.nav-links{display:none}.hamburger{display:flex}
  .topbar{display:none!important}body{padding-top:70px}
  footer{padding:2.5rem 1.4rem 1.5rem}.footer-grid{grid-template-columns:1fr;gap:2rem}
  .footer-bottom{flex-direction:column;align-items:center;text-align:center}
  .page-wrap{padding:1.5rem 1rem 4rem}.page-hero{padding:2rem 1.4rem 1.75rem}
  .wa-float{bottom:20px;right:18px}.wa-float__icon{width:52px;height:52px}
  .wa-float__icon svg{width:26px;height:26px}.wa-float__icon::after{width:52px;height:52px}
  .wa-float__label{display:none}
  .regime-compare{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr}.fld.full{grid-column:1}
}
@media(max-width:480px){
  nav{height:60px}.mob-menu{top:60px}body{padding-top:60px}
  .page-hero h1{font-size:1.45rem}.kvg{grid-template-columns:1fr}
}
.hidden{display:none!important}.mt{margin-top:.65rem}