/* Pintu Gadai Nusantara — warna utama diambil dari logo (#0186C4) */
:root{
  --blue:#0186C4; --blue-d:#016A9C; --blue-l:#E6F4FB; --navy:#0B2440; --ink:#14263B; --muted:#5F7286;
  --line:#DCE6EF; --bg:#F4F8FB; --white:#fff; --amber:#F2A93B; --green:#17A673; --red:#D9434E; --teal:#0E9F9A;
  --r:14px; --shadow:0 1px 2px rgba(11,36,64,.06),0 8px 24px rgba(11,36,64,.06);
  font-family:'Plus Jakarta Sans',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--white);font-size:15px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--blue);text-decoration:none}
img{max-width:100%}
h1,h2,h3,h4{line-height:1.2;margin:0 0 .5em;color:var(--navy);letter-spacing:-.01em}
.container{width:min(1160px,92%);margin:0 auto}
.muted{color:var(--muted)} .small{font-size:13px} .right{text-align:right} .nowrap{white-space:nowrap}
code{background:var(--blue-l);padding:1px 6px;border-radius:6px;font-size:13px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:11px 20px;border-radius:10px;border:1px solid transparent;
  font:600 14.5px inherit;font-family:inherit;cursor:pointer;transition:.15s;background:var(--white);color:var(--ink);border-color:var(--line)}
.btn:hover{border-color:var(--blue);color:var(--blue)}
.btn-primary{background:var(--blue);color:#fff;border-color:var(--blue)} .btn-primary:hover{background:var(--blue-d);color:#fff}
.btn-dark{background:var(--navy);color:#fff;border-color:var(--navy)} .btn-dark:hover{color:#fff;opacity:.9}
.btn-success{background:var(--green);color:#fff;border-color:var(--green)} .btn-success:hover{color:#fff;opacity:.9}
.btn-danger{background:#fff;color:var(--red);border-color:#F2C4C8} .btn-danger:hover{background:var(--red);color:#fff;border-color:var(--red)}
.btn-ghost{background:transparent;border-color:transparent;color:var(--blue)}
.btn-sm{padding:7px 14px;font-size:13.5px} .btn-xs{padding:4px 10px;font-size:12.5px;border-radius:8px}
.btn-lg{padding:15px 28px;font-size:16px} .btn-block{width:100%}

/* forms */
.form label{display:block;font-weight:600;font-size:13.5px;margin-bottom:14px;color:var(--navy)}
input,select,textarea{display:block;width:100%;margin-top:6px;padding:11px 13px;border:1px solid var(--line);border-radius:10px;
  font:inherit;font-weight:400;font-size:14.5px;color:var(--ink);background:#fff;transition:.15s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(1,134,196,.15)}
textarea{min-height:90px;resize:vertical}
input[type=checkbox],input[type=radio]{display:inline-block;width:auto;margin:0 8px 0 0;accent-color:var(--blue)}
label.check{display:flex;align-items:flex-start;font-weight:500}
.hint{display:block;font-weight:400;color:var(--muted);font-size:12.5px;margin-top:4px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 18px} .grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:0 18px}
.inline-form{display:flex;gap:10px;flex-wrap:wrap;align-items:flex-end}
.inline-form label{margin:0} .inline-form input,.inline-form select{min-width:150px}

/* alerts & badges */
.alert{padding:12px 16px;border-radius:10px;margin-bottom:16px;font-size:14px;border:1px solid}
.alert-success{background:#E8F7F0;border-color:#BCE7D3;color:#0D6B49} .alert-danger{background:#FDECEE;border-color:#F5C2C7;color:#9B1C26}
.alert-warning{background:#FFF6E6;border-color:#F8DDA7;color:#8A5A00} .alert-info{background:var(--blue-l);border-color:#BFE2F3;color:#05557D}
.badge{display:inline-block;padding:3px 10px;border-radius:99px;font-size:12px;font-weight:600;white-space:nowrap}
.badge-blue{background:var(--blue-l);color:#05608D} .badge-green{background:#E3F6EE;color:#0B7A51} .badge-amber{background:#FFF1D9;color:#8F5B00}
.badge-red{background:#FDE7E9;color:#A61D29} .badge-gray{background:#EEF2F6;color:#56677A} .badge-teal{background:#DFF5F4;color:#0A7570}

/* ===================== PUBLIC ===================== */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:10px;color:var(--navy);font-size:17px;letter-spacing:-.01em}
.brand img{height:30px;width:auto} .brand b{font-weight:800}
.brand-light{color:#fff}
.nav-links{display:flex;align-items:center;gap:26px}
.nav-links a:not(.btn){color:var(--ink);font-weight:500;font-size:14.5px} .nav-links a:not(.btn):hover{color:var(--blue)}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--navy);margin:5px 0;border-radius:2px}

.hero{position:relative;overflow:hidden;background:linear-gradient(180deg,#F2F9FD 0%,#fff 100%);padding:72px 0 88px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);padding:6px 14px;border-radius:99px;font-size:13px;font-weight:600;color:var(--blue-d)}
.eyebrow i{width:8px;height:8px;border-radius:2px;background:var(--blue);display:inline-block}
.hero h1{font-size:clamp(34px,5vw,54px);font-weight:800;margin:18px 0 16px;letter-spacing:-.025em}
.hero h1 em{font-style:normal;color:var(--blue)}
.hero p.lead{font-size:18px;color:var(--muted);max-width:540px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 30px}
.hero-trust{display:flex;gap:28px;flex-wrap:wrap}
.hero-trust div b{display:block;font-size:22px;color:var(--navy)} .hero-trust div span{font-size:13px;color:var(--muted)}
.blocks{position:absolute;inset:0;pointer-events:none;opacity:.5}
.blocks span{position:absolute;border-radius:10px;background:var(--blue);opacity:.06}

.track-card{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:0 20px 60px rgba(11,36,64,.12);padding:24px;position:relative}
.track-card .tc-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.track-card .tc-head b{font-size:15px;color:var(--navy)}
.tc-item{display:flex;gap:14px;align-items:center;padding:14px;border-radius:12px;background:var(--bg);margin-bottom:18px}
.tc-thumb{width:52px;height:52px;border-radius:12px;background:var(--navy);display:grid;place-items:center;color:#fff}
.tc-steps{list-style:none;margin:0;padding:0}
.tc-steps li{display:flex;gap:12px;padding:0 0 16px 0;position:relative;font-size:14px}
.tc-steps li:before{content:'';position:absolute;left:9px;top:22px;bottom:0;width:2px;background:var(--line)}
.tc-steps li:last-child:before{display:none}
.tc-steps i{flex:none;width:20px;height:20px;border-radius:6px;border:2px solid var(--line);background:#fff;margin-top:1px}
.tc-steps li.done i{background:var(--blue);border-color:var(--blue)} .tc-steps li.now i{border-color:var(--blue);box-shadow:0 0 0 4px rgba(1,134,196,.15)}
.tc-steps small{display:block;color:var(--muted);font-size:12.5px}
.tc-amount{display:flex;justify-content:space-between;align-items:center;border-top:1px dashed var(--line);padding-top:16px;margin-top:4px}
.tc-amount b{font-size:22px;color:var(--navy)}
.float-tag{position:absolute;background:var(--navy);color:#fff;padding:10px 14px;border-radius:12px;font-size:13px;box-shadow:var(--shadow)}
.float-tag b{display:block;font-size:15px}

section{padding:88px 0}
.sec-head{max-width:640px;margin:0 auto 48px;text-align:center}
.sec-head h2{font-size:clamp(28px,3.6vw,38px);font-weight:800;letter-spacing:-.02em}
.sec-head p{color:var(--muted);font-size:16.5px}
.kicker{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin-bottom:10px;display:block}
.bg-soft{background:var(--bg)}

.features{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.feature{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.feature .fi{width:46px;height:46px;border-radius:12px;background:var(--blue-l);color:var(--blue);display:grid;place-items:center;margin-bottom:16px}
.feature .fi .ico{width:24px;height:24px}
.feature h3{font-size:17px} .feature p{color:var(--muted);margin:0;font-size:14.5px}

.flow{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;counter-reset:f}
.flow-step{position:relative;padding:24px 20px;border-radius:var(--r);background:#fff;border:1px solid var(--line)}
.flow-step:before{counter-increment:f;content:counter(f);display:grid;place-items:center;width:38px;height:38px;border-radius:10px;background:var(--navy);color:#fff;font-weight:800;margin-bottom:14px}
.flow-step h3{font-size:16px} .flow-step p{color:var(--muted);font-size:14px;margin:0}

.calc{display:grid;grid-template-columns:1fr 1fr;background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}
.calc-form{padding:34px}
.calc-result{padding:34px;background:var(--navy);color:#fff;display:flex;flex-direction:column}
.calc-result h3{color:#fff;font-size:15px;font-weight:600;opacity:.8;margin:0}
.calc-big{font-size:clamp(34px,4vw,46px);font-weight:800;letter-spacing:-.02em;margin:6px 0 4px}
.calc-rows{margin:20px 0;border-top:1px solid rgba(255,255,255,.14)}
.calc-rows div{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:14.5px}
.calc-rows div span{opacity:.75} .calc-rows div.hl b{color:#7FD3FA}
.calc-result .note{font-size:12.5px;opacity:.6;margin-top:auto}
.range-out{display:flex;justify-content:space-between;font-size:13px;color:var(--muted)}
input[type=range]{padding:0;border:0;height:6px;accent-color:var(--blue);margin:14px 0 6px}

.cats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.cat{display:flex;justify-content:space-between;align-items:center;padding:18px 20px;border:1px solid var(--line);border-radius:12px;background:#fff}
.cat b{color:var(--navy)} .cat span{font-size:13px;color:var(--muted)} .cat em{font-style:normal;font-weight:800;color:var(--blue);font-size:18px}

.fees{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.fee{border-radius:var(--r);padding:28px;background:#fff;border:1px solid var(--line)}
.fee b{display:block;font-size:30px;color:var(--navy);font-weight:800;margin:8px 0}
.fee h3{font-size:16px;color:var(--blue-d);margin:0} .fee p{margin:0;color:var(--muted);font-size:14px}

.about{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.vm{background:var(--bg);border-radius:var(--r);padding:24px;margin-bottom:16px;border-left:4px solid var(--blue)}
.vm h3{font-size:16px} .vm p{margin:0;color:var(--muted)}
.faq details{border-bottom:1px solid var(--line);padding:16px 0}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between}
.faq summary:after{content:'+';color:var(--blue);font-size:20px;line-height:1} .faq details[open] summary:after{content:'–'}
.faq p{color:var(--muted);margin:10px 0 0}

.cta-band{background:var(--blue);color:#fff;border-radius:24px;padding:48px;display:flex;justify-content:space-between;align-items:center;gap:24px;position:relative;overflow:hidden}
.cta-band h2{color:#fff;font-size:30px;margin:0 0 6px} .cta-band p{margin:0;opacity:.85}
.cta-band .btn{background:#fff;color:var(--blue);border-color:#fff}

.site-footer{background:var(--navy);color:#B9C6D4;padding:60px 0 0;font-size:14px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1.2fr;gap:40px}
.site-footer h4{color:#fff;font-size:15px} .site-footer a,.site-footer span{display:block;color:#B9C6D4;margin-bottom:8px}
.site-footer a:hover{color:#fff} .site-footer .brand{margin-bottom:14px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding:20px 0;font-size:13px}
.wa-float{position:fixed;right:20px;bottom:20px;width:56px;height:56px;border-radius:50%;background:#25D366;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.2);z-index:60}

/* auth */
.auth-body{background:var(--bg);min-height:100vh;display:grid;place-items:center;padding:30px 16px}
.auth-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px;width:100%;max-width:440px;box-shadow:var(--shadow)}
.auth-card h1{font-size:24px} .auth-logo{height:44px;margin-bottom:16px}
.auth-card .foot{text-align:center;margin-top:18px;font-size:14px;color:var(--muted)}

/* ===================== APP ===================== */
body.app{background:var(--bg)}
.app-shell{display:flex;min-height:100vh}
.sidebar{width:262px;flex:none;background:var(--navy);color:#C5D2DF;display:flex;flex-direction:column;position:sticky;top:0;height:100vh;padding:20px 14px;overflow-y:auto}
.sidebar .brand{padding:4px 10px 22px;font-size:15.5px} .sidebar .brand img{height:26px}
.sidebar nav{display:flex;flex-direction:column;gap:2px;flex:1}
.sidebar nav a,.side-out{display:flex;align-items:center;gap:12px;padding:10px 12px;border-radius:10px;color:#C5D2DF;font-size:14px;font-weight:500}
.sidebar nav a:hover,.side-out:hover{background:rgba(255,255,255,.06);color:#fff}
.sidebar nav a.active{background:var(--blue);color:#fff}
.ico{width:19px;height:19px;flex:none}
.side-sep{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:#7189A1;padding:18px 12px 6px;font-weight:700}
.side-badge{margin-left:auto;background:var(--amber);color:var(--navy);font-style:normal;font-size:11.5px;font-weight:700;padding:1px 8px;border-radius:99px}
.side-out{margin-top:12px;border-top:1px solid rgba(255,255,255,.08);padding-top:16px;border-radius:0}
.app-main{flex:1;min-width:0}
.topbar{display:flex;align-items:center;gap:14px;padding:16px 28px;background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.topbar h1{font-size:19px;margin:0;flex:1}
.side-toggle{display:none;background:none;border:0;cursor:pointer;color:var(--navy);padding:4px}
.who{display:flex;align-items:center;gap:10px;font-size:13.5px}
.who small{display:block;color:var(--muted);font-size:12px}
.avatar{width:36px;height:36px;border-radius:10px;background:var(--blue-l);color:var(--blue);display:grid;place-items:center;font-weight:800}
.content{padding:26px 28px 60px;max-width:1320px}
.side-backdrop{display:none}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;margin-bottom:20px}
.card-h{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:16px;flex-wrap:wrap}
.card-h h2,.card h2{font-size:16.5px;margin:0}
.card.empty{text-align:center;padding:48px 22px} .card.empty p{color:var(--muted)}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin-bottom:22px}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 20px}
.stat span{display:block;font-size:13px;color:var(--muted);font-weight:500}
.stat b{display:block;font-size:24px;color:var(--navy);margin:4px 0 2px;letter-spacing:-.01em;font-weight:800}
.stat small{font-size:12.5px;color:var(--muted)}
.stat.blue{background:var(--blue);border-color:var(--blue)} .stat.blue span,.stat.blue b,.stat.blue small{color:#fff}
.stat.navy{background:var(--navy);border-color:var(--navy)} .stat.navy span,.stat.navy small{color:#AFC0D2} .stat.navy b{color:#fff}
.stat.warn b{color:#B86E00} .stat.bad b{color:var(--red)}
.cols{display:grid;grid-template-columns:2fr 1fr;gap:20px} .cols-eq{display:grid;grid-template-columns:1fr 1fr;gap:20px}

.table-wrap{overflow-x:auto;margin:0 -22px;padding:0 22px}
table.tbl{width:100%;border-collapse:collapse;font-size:14px}
.tbl th{text-align:left;font-size:12px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);font-weight:700;padding:10px 12px;border-bottom:1px solid var(--line);white-space:nowrap}
.tbl td{padding:12px;border-bottom:1px solid #EDF2F7;vertical-align:top}
.tbl tr:hover td{background:#FAFCFE}
.tbl td b{color:var(--navy)} .tbl td small{display:block;color:var(--muted);font-size:12.5px}
.tbl tfoot td{font-weight:700;background:var(--bg)}
.dl{display:grid;grid-template-columns:150px 1fr;gap:8px 14px;font-size:14px;margin:0}
.dl dt{color:var(--muted)} .dl dd{margin:0;font-weight:600;color:var(--navy)}
.tabs{display:flex;gap:6px;flex-wrap:wrap;margin-bottom:18px}
.tabs a{padding:7px 14px;border-radius:99px;background:#fff;border:1px solid var(--line);color:var(--ink);font-size:13.5px;font-weight:600}
.tabs a.on{background:var(--navy);border-color:var(--navy);color:#fff}
.tabs a i{font-style:normal;opacity:.6;margin-left:4px}

.steps{list-style:none;display:flex;margin:0 0 6px;padding:0;overflow-x:auto}
.steps li{flex:1;min-width:86px;text-align:center;position:relative;font-size:12px;color:var(--muted);font-weight:600}
.steps li:before{content:'';position:absolute;top:14px;left:-50%;right:50%;height:2px;background:var(--line)}
.steps li:first-child:before{display:none}
.steps li i{position:relative;z-index:1;display:grid;place-items:center;width:30px;height:30px;margin:0 auto 6px;border-radius:9px;background:#fff;border:2px solid var(--line);font-style:normal;font-size:12.5px}
.steps li.done{color:var(--navy)} .steps li.done i{background:var(--blue);border-color:var(--blue);color:#fff} .steps li.done:before,.steps li.now:before{background:var(--blue)}
.steps li.now{color:var(--blue)} .steps li.now i{border-color:var(--blue);color:var(--blue);box-shadow:0 0 0 4px rgba(1,134,196,.15)}
.log{list-style:none;margin:0;padding:0}
.log li{padding:0 0 16px 22px;position:relative;font-size:14px}
.log li:before{content:'';position:absolute;left:4px;top:7px;width:9px;height:9px;border-radius:3px;background:var(--blue)}
.log li:after{content:'';position:absolute;left:8px;top:18px;bottom:0;width:1px;background:var(--line)}
.log li:last-child:after{display:none} .log small{display:block;color:var(--muted);font-size:12.5px}
.photos{display:flex;gap:10px;flex-wrap:wrap}
.photos a{display:block;width:96px;height:96px;border-radius:10px;overflow:hidden;border:1px solid var(--line);background:var(--bg)}
.photos img{width:100%;height:100%;object-fit:cover}
.photos .pdf{display:grid;place-items:center;font-weight:700;color:var(--red);font-size:13px}

.chat{display:flex;flex-direction:column;gap:10px;max-height:460px;overflow-y:auto;padding:4px 2px 10px}
.msg{max-width:78%;padding:10px 14px;border-radius:14px;font-size:14px;background:var(--bg);align-self:flex-start;white-space:pre-wrap}
.msg.me{align-self:flex-end;background:var(--blue);color:#fff}
.msg small{display:block;font-size:11.5px;opacity:.7;margin-top:4px}
.chat-form{display:flex;gap:10px;margin-top:10px} .chat-form textarea{min-height:46px;margin:0}
.thread-list a{display:flex;justify-content:space-between;gap:10px;padding:12px;border-radius:10px;color:var(--ink);border-bottom:1px solid #EDF2F7}
.thread-list a:hover,.thread-list a.on{background:var(--blue-l)}
.thread-list small{color:var(--muted);display:block}

.route{list-style:none;margin:0;padding:0;counter-reset:r}
.route li{display:flex;gap:12px;padding:12px 0;border-bottom:1px solid #EDF2F7;align-items:flex-start}
.route li:before{counter-increment:r;content:counter(r);flex:none;width:28px;height:28px;border-radius:8px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700;font-size:13px}
.task{border:1px solid var(--line);border-radius:var(--r);padding:18px;background:#fff;margin-bottom:14px}
.task-h{display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap;margin-bottom:10px}
.bars{display:flex;align-items:flex-end;gap:6px;height:180px;padding-top:10px}
.bars .bar{flex:1;display:flex;flex-direction:column;justify-content:flex-end;align-items:center;gap:2px;height:100%;font-size:10.5px;color:var(--muted)}
.bars .bar div{width:100%;display:flex;gap:2px;align-items:flex-end;height:100%}
.bars .bar i{flex:1;border-radius:4px 4px 0 0;min-height:2px}
.i-in{background:var(--blue)} .i-out{background:#F2A93B}
.legend{display:flex;gap:16px;font-size:13px;color:var(--muted)} .legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px}
.pl{width:100%;font-size:14.5px;border-collapse:collapse}
.pl td{padding:9px 0;border-bottom:1px solid #EDF2F7} .pl td:last-child{text-align:right;font-weight:600}
.pl tr.sub td{padding-left:16px;color:var(--muted)} .pl tr.tot td{font-weight:800;color:var(--navy);border-top:2px solid var(--navy);border-bottom:0;font-size:16px}
.summary-box{background:var(--bg);border-radius:12px;padding:16px;font-size:14px}
.summary-box div{display:flex;justify-content:space-between;padding:4px 0} .summary-box .t{border-top:1px solid var(--line);margin-top:6px;padding-top:10px;font-weight:800;color:var(--navy);font-size:16px}
.slots{display:grid;grid-template-columns:repeat(auto-fill,minmax(140px,1fr));gap:10px;margin:6px 0 16px}
.slot{position:relative}
.slot input{position:absolute;opacity:0}
.slot span{display:block;padding:12px;border:1px solid var(--line);border-radius:10px;text-align:center;font-weight:600;font-size:14px;cursor:pointer;background:#fff}
.slot span small{display:block;font-weight:500;color:var(--muted);font-size:12px}
.slot input:checked+span{border-color:var(--blue);background:var(--blue-l);color:var(--blue-d)}
.slot input:disabled+span{opacity:.45;cursor:not-allowed;text-decoration:line-through}
.pagination{display:flex;gap:6px;margin-top:16px} .pagination a{padding:6px 12px;border:1px solid var(--line);border-radius:8px;font-size:13px}
.pagination a.on{background:var(--navy);color:#fff;border-color:var(--navy)}

@media (max-width:1024px){
  .features{grid-template-columns:repeat(2,1fr)} .flow{grid-template-columns:repeat(2,1fr)} .cats{grid-template-columns:repeat(2,1fr)}
  .cols,.cols-eq{grid-template-columns:1fr}
  .sidebar{position:fixed;left:-280px;z-index:80;transition:.2s} body.side-open .sidebar{left:0}
  body.side-open .side-backdrop{display:block;position:fixed;inset:0;background:rgba(11,36,64,.4);z-index:70}
  .side-toggle{display:block}
}
@media (max-width:820px){
  .hero-grid,.calc,.about,.fees{grid-template-columns:1fr} .hero{padding:44px 0 60px}
  .nav-toggle{display:block}
  .nav-links{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:16px 4%;gap:12px;border-bottom:1px solid var(--line)}
  body.nav-open .nav-links{display:flex}
  .footer-grid{grid-template-columns:1fr} .cta-band{flex-direction:column;align-items:flex-start;padding:32px}
  section{padding:60px 0} .float-tag{display:none}
  .grid2,.grid3{grid-template-columns:1fr} .content{padding:18px 14px 50px} .topbar{padding:12px 14px} .who div:last-child{display:none}
  .dl{grid-template-columns:1fr} .dl dt{margin-top:6px}
  .flow,.features,.cats{grid-template-columns:1fr}
}
@media print{.sidebar,.topbar,.no-print{display:none!important}.content{padding:0}.card{border:0}}
.card.calc-result{background:var(--navy);color:#fff;border-color:var(--navy)}
.calc-rows div b{white-space:nowrap;margin-left:10px}
.summary-box div b{white-space:nowrap;margin-left:10px}