.calc-section{background:var(--color-gray-50);padding-bottom:48px}.calc-header{text-align:center;max-width:720px;margin-bottom:40px;margin-left:auto;margin-right:auto}.calc-badge{text-transform:uppercase;letter-spacing:.16em;color:var(--color-accent);margin-bottom:12px;font-size:11.5px;font-weight:700;display:block}.calc-header .section-subtitle{margin:0 auto}.calc-step{max-width:600px;margin:0 auto}.calc-address-wrap{flex-direction:column;gap:12px;display:flex}.calc-field{flex-direction:column;gap:8px;display:flex}.calc-field--large label{color:var(--color-gray-600);align-items:center;gap:8px;font-size:14px;font-weight:600;display:flex}.calc-field--large label svg{color:var(--color-accent)}.calc-field label{color:var(--color-gray-600);font-size:14px;font-weight:600}.calc-field input,.calc-field select{border:2px solid var(--color-gray-200);background:var(--color-white);width:100%;color:var(--color-gray-900);border-radius:12px;outline:none;padding:16px 18px;font-family:inherit;font-size:16px;transition:border-color .2s,box-shadow .2s}.calc-field input:focus{border-color:var(--color-accent);box-shadow:0 0 0 4px #2b6cb014}.calc-field input::placeholder{color:var(--color-gray-400)}.calc-unsupported{color:#d92d20;background:#fef2f2;border:1px solid #fecaca;border-radius:8px;padding:12px 16px;font-size:14px}.calc-address-display{background:var(--color-white);border:1.5px solid var(--color-gray-200);color:var(--color-gray-700);border-radius:10px;align-items:center;gap:10px;margin-bottom:28px;padding:14px 18px;font-size:14px;display:flex}.calc-address-display svg{color:var(--color-accent);flex-shrink:0}.calc-address-display span{text-overflow:ellipsis;white-space:nowrap;flex:1;min-width:0;overflow:hidden}.calc-change{color:var(--color-accent);cursor:pointer;white-space:nowrap;background:0 0;border:none;padding:0;font-size:13px;font-weight:600;transition:color .2s}.calc-change:hover{color:var(--color-accent-hover)}.calc-units-form{align-items:flex-end;gap:16px;max-width:480px;margin:0 auto;display:flex}.calc-units-form .calc-field{flex:1}.calc-btn{white-space:nowrap;height:fit-content;padding:16px 28px}.calc-btn:disabled{opacity:.5;cursor:not-allowed;box-shadow:none!important;transform:none!important}.calc-email-gate{background:var(--color-white);border:2px solid var(--color-gray-200);text-align:center;border-radius:16px;max-width:560px;margin:24px auto 0;padding:36px 32px}.calc-email-preview h3{color:var(--color-gray-900);margin-bottom:10px;font-size:20px;font-weight:700}.calc-email-preview p{color:var(--color-gray-500);margin-bottom:20px;font-size:15px;line-height:1.6}.calc-preview-pills{flex-wrap:wrap;justify-content:center;gap:8px;margin-bottom:28px;display:flex}.calc-pill{white-space:nowrap;border-radius:20px;padding:6px 14px;font-size:12px;font-weight:600}.calc-pill--essential{background:var(--color-gold-dim);color:#9a7d3f}.calc-pill--recommended{color:var(--color-blue);background:#4da6ff14}.calc-pill--consider{background:var(--color-gray-100);color:var(--color-gray-500)}.calc-pill--more{background:var(--color-gray-100);color:var(--color-gray-400)}.calc-email-form{flex-direction:column;align-items:center;gap:12px;display:flex}.calc-email-input{border:2px solid var(--color-gray-200);background:var(--color-gray-50);width:100%;color:var(--color-gray-900);text-align:center;border-radius:12px;outline:none;padding:16px 18px;font-family:inherit;font-size:16px;transition:border-color .2s,box-shadow .2s}.calc-email-input:focus{border-color:var(--color-gold);background:var(--color-white);box-shadow:0 0 0 4px #e5c16a1f}.calc-email-input::placeholder{color:var(--color-gray-400)}.calc-email-btn{justify-content:center;width:100%;padding:16px;font-size:16px}.calc-email-note{color:var(--color-gray-400);margin:0;font-size:12px}.calc-results{animation:.4s both calcFadeIn}@keyframes calcFadeIn{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}.calc-results-header{justify-content:space-between;align-items:center;gap:16px;margin:8px 0 24px;display:flex}.calc-results-header h3{color:var(--color-gray-700);font-size:18px;font-weight:500}.calc-results-header strong{color:var(--color-gray-900);font-weight:700}.calc-grid{grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:16px;display:grid}.calc-card{background:var(--color-white);border:1.5px solid var(--color-gray-200);border-radius:14px;padding:24px 22px;transition:transform .25s,box-shadow .25s;animation:.5s cubic-bezier(.2,.7,.3,1) both calcCardIn}.calc-card:hover{transform:translateY(-3px);box-shadow:0 8px 24px #0000000f}.calc-card--essential{border-color:var(--color-gold);background:linear-gradient(180deg, #e5c16a0a 0%, var(--color-white) 100%)}.calc-card--recommended{border-color:var(--color-blue-light);background:linear-gradient(180deg, #4da6ff08 0%, var(--color-white) 100%)}@keyframes calcCardIn{0%{opacity:0;transform:translateY(16px)scale(.97)}to{opacity:1;transform:translateY(0)scale(1)}}.calc-card-top{justify-content:space-between;align-items:flex-start;margin-bottom:14px;display:flex}.calc-card-icon{border-radius:12px;flex-shrink:0;justify-content:center;align-items:center;width:48px;height:48px;display:flex}.calc-card--essential .calc-card-icon{background:var(--color-gold-dim);color:var(--color-gold)}.calc-card--recommended .calc-card-icon{color:var(--color-blue);background:#4da6ff14}.calc-card--consider .calc-card-icon{background:var(--color-gray-100);color:var(--color-gray-400)}.calc-priority{text-transform:uppercase;letter-spacing:.06em;white-space:nowrap;border-radius:6px;padding:4px 10px;font-size:11px;font-weight:700}.calc-priority--essential{background:var(--color-gold-dim);color:#9a7d3f}.calc-priority--recommended{color:var(--color-blue);background:#4da6ff14}.calc-priority--consider{background:var(--color-gray-100);color:var(--color-gray-500)}.calc-card-name{color:var(--color-gray-900);margin-bottom:6px;font-size:17px;font-weight:600}.calc-card-reason{color:var(--color-gray-500);font-size:14px;line-height:1.5}.calc-callouts{flex-direction:column;gap:12px;margin-top:28px;display:flex}.calc-callout{background:#e5c16a0f;border:1px solid #e5c16a33;border-radius:10px;align-items:flex-start;gap:12px;padding:16px 20px;display:flex}.calc-callout svg{color:var(--color-gold);flex-shrink:0;margin-top:1px}.calc-callout p{color:var(--color-gray-700);margin:0;font-size:14px;line-height:1.6}.calc-cta{text-align:center;margin-top:36px}.calc-cta-btn{padding:18px 36px;font-size:16px}.pac-container{border:1px solid var(--color-gray-200);border-radius:12px;margin-top:4px;font-family:Inter,-apple-system,sans-serif;box-shadow:0 12px 32px #0000001a}.pac-item{cursor:pointer;padding:10px 16px;font-size:14px}.pac-item:hover{background:var(--color-gray-50)}@media (width<=768px){.calc-units-form{flex-direction:column}.calc-btn{justify-content:center;width:100%}.calc-grid{grid-template-columns:1fr}.calc-email-gate{padding:28px 20px}.calc-address-display span{white-space:normal}}.band-assoc{background:var(--color-navy);color:var(--color-white)}.band-assoc__grid{grid-template-columns:1fr 1fr;align-items:center;gap:56px;display:grid}.band-assoc__title{color:var(--color-white);max-width:24ch}.band-assoc__body{flex-direction:column;gap:16px;max-width:56ch;margin:0 0 28px;display:flex}.band-assoc__body p{color:#ffffffc7;margin:0;font-size:16px;line-height:1.75}.assoc-figs{background:#ffffff1f;border-radius:12px;flex-direction:column;gap:1px;margin:0;padding:0;list-style:none;display:flex;overflow:hidden}.assoc-fig{background:var(--color-navy);flex-direction:row;align-items:center;gap:24px;min-height:132px;padding:26px 30px;display:flex}.assoc-fig__img{flex:none;width:96px;height:auto}.assoc-fig__text{flex-direction:column;gap:4px;min-width:0;display:flex}.assoc-fig__v{color:var(--color-gold);letter-spacing:-.02em;font-size:clamp(21px,1.9vw,26px);font-weight:800;line-height:1.2}.assoc-fig__l{color:#ffffffbf;font-size:16px;line-height:1.5}.what-grid{grid-template-columns:1.1fr 1fr;align-items:center;gap:56px;margin-bottom:48px;display:grid}.what-lead .section-subtitle{max-width:54ch}.what-actions{flex-wrap:wrap;align-items:center;gap:14px 24px;margin-top:26px;display:flex}.what-media img,.record-media img{border-radius:16px;width:100%;height:auto;display:block}.practice-grid{grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;display:grid}.practice-card{background:var(--color-white);border:1px solid var(--color-gray-200);border-radius:16px;padding:28px 26px 30px;transition:transform .25s,box-shadow .25s,border-color .25s;position:relative;box-shadow:0 1px 2px #0f172a0a}.practice-card:hover{border-color:var(--color-gold);transform:translateY(-4px);box-shadow:0 16px 40px -12px #0f172a2e}.practice-card__mark{background:var(--color-gold-dim);width:46px;height:46px;color:var(--color-gold);border-radius:13px;justify-content:center;align-items:center;margin-bottom:18px;transition:background .25s,color .25s;display:inline-flex}.practice-card:hover .practice-card__mark{background:var(--color-gold);color:var(--color-navy-dark)}.practice-card h3{color:var(--color-navy);border-bottom:1px solid var(--color-gray-200);margin-bottom:12px;padding-bottom:12px;font-size:17.5px;font-weight:700;line-height:1.3;transition:border-color .25s}.practice-card:hover h3{border-bottom-color:var(--color-gold)}.practice-card p{color:var(--color-gray-600);font-size:14.5px;line-height:1.7}@media (prefers-reduced-motion:reduce){.practice-card,.practice-card__mark{transition:none}.practice-card:hover{transform:none}}.record-grid{grid-template-columns:1.05fr 1fr;align-items:center;gap:56px;margin-bottom:52px;display:grid}.record-h2{color:var(--color-white);max-width:22ch;margin-bottom:22px}.record-body{flex-direction:column;gap:16px;max-width:54ch;display:flex}.record-body p{color:#ffffffc7;margin:0;font-size:16px;line-height:1.75}.record-lead__cta{margin-top:28px}.record-items{background:#ffffff24;border-radius:14px;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;margin:0;padding:0;list-style:none;display:grid;overflow:hidden}@media (width<=900px){.record-items{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (width<=560px){.record-items{grid-template-columns:minmax(0,1fr)}}.record-item{background:var(--color-navy);padding:26px 28px 28px;transition:background .25s}.record-item:hover{background:#1e3f6d}.record-item__num{letter-spacing:.1em;color:var(--color-gold);font-variant-numeric:tabular-nums;margin-bottom:14px;font-size:12px;font-weight:700;display:block}.record-item h3{color:var(--color-white);margin-bottom:8px;font-size:16.5px;font-weight:700;line-height:1.35}.record-item p{color:#ffffffb8;font-size:14.5px;line-height:1.65}.record-close{text-align:center;border-top:1px solid #ffffff29;flex-direction:column;align-items:center;gap:26px;margin-top:48px;padding-top:40px;display:flex}.record-close__line{letter-spacing:-.02em;color:var(--color-gold);margin:0;font-size:clamp(22px,3vw,32px);font-weight:800;line-height:1.2}.record-close__actions{flex-wrap:wrap;justify-content:center;gap:14px;display:flex}@media (prefers-reduced-motion:reduce){.record-item{transition:none}}.band-fee{background:var(--color-navy-dark);color:var(--color-white)}.band-fee__panel{grid-template-columns:1fr 1.05fr;align-items:center;gap:56px;display:grid}.band-fee__media img{border-radius:16px;width:100%;height:auto;display:block;box-shadow:0 18px 44px -18px #0009}.band-fee__lead{text-align:left;flex-direction:column;align-items:flex-start;display:flex}.band-fee__title{color:var(--color-gold)}.band-fee__body{color:#fffc;margin:0 0 24px;font-size:16.5px;line-height:1.75}.fee-points{text-align:left;flex-direction:column;gap:10px;margin:0 0 30px;display:flex}.band-fee__actions{flex-wrap:wrap;gap:14px;display:flex}.fee-points li{color:#ffffffd9;padding-left:26px;font-size:15px;line-height:1.6;position:relative}.fee-points li:before{content:"";border-left:2px solid var(--color-gold);border-bottom:2px solid var(--color-gold);width:12px;height:7px;position:absolute;top:7px;left:0;transform:rotate(-45deg)}.aud-band{background:var(--color-white);border-top:1px solid var(--color-gray-200);padding-top:52px}.ho6-card{border:1px solid var(--color-gray-200);border-left:4px solid var(--color-gray-400);background:var(--color-gray-50);border-radius:12px;justify-content:space-between;align-items:center;gap:40px;padding:32px 36px;display:flex}.ho6-card__body{max-width:68ch}.ho6-card__title{color:var(--color-navy);margin-bottom:6px;font-size:21px;font-weight:700;line-height:1.3}.ho6-card__body p{color:var(--color-gray-600);font-size:15px;line-height:1.7}.ho6-card__sub{margin-bottom:12px;font-size:15px;font-weight:600;color:var(--color-gray-500)!important}.ho6-card__lead{border-left:3px solid var(--color-gold);margin-bottom:14px;padding-left:14px;font-weight:700;color:var(--color-navy)!important}.ho6-card__cta{flex:none}@media (width<=900px){.band-assoc__grid,.what-grid,.record-grid,.band-fee__panel{grid-template-columns:1fr;gap:40px}.band-assoc__title{max-width:none}.record-media{order:-1}.ho6-card{flex-direction:column;align-items:flex-start;gap:24px}}.intro-grid{grid-template-columns:1fr 1fr;align-items:center;gap:64px;display:grid}.intro-content p{color:var(--color-gray-600);margin:16px 0;font-size:16px;line-height:1.7}.intro-callout{border-left:3px solid var(--color-blue);padding-left:16px;font-weight:600;color:var(--color-navy)!important}.intro-image img{object-fit:cover;aspect-ratio:4/3;border-radius:16px;width:100%}.ho6-grid{grid-template-columns:1fr 1fr;align-items:center;gap:64px;display:grid}.ho6-content p{color:var(--color-gray-600);margin:16px 0;font-size:16px;line-height:1.7}.check-list{flex-direction:column;gap:12px;margin:20px 0;display:flex}.check-list li{color:var(--color-gray-700);align-items:flex-start;gap:10px;font-size:15px;line-height:1.5;display:flex}.check-list li:before{content:"";background:var(--color-sky);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%232b6cb0' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-11'/%3E%3C/svg%3E");background-position:50%;background-repeat:no-repeat;border-radius:50%;width:20px;min-width:20px;height:20px;margin-top:2px;display:inline-block}.ho6-callout{border-left:3px solid var(--color-blue);padding-left:16px;font-weight:600;color:var(--color-navy)!important}.ho6-image img{object-fit:cover;aspect-ratio:4/3;border-radius:16px;width:100%}.steps-grid{grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px;margin-top:32px;display:grid}.step-card{background:var(--color-white);border:1px solid var(--color-gray-200);border-radius:12px;padding:28px 24px}.step-num{color:var(--color-gold);letter-spacing:.05em;margin-bottom:12px;font-size:14px;font-weight:700;display:inline-block}.step-card h3{color:var(--color-gray-900);margin-bottom:8px;font-size:17px;font-weight:600}.step-card p{color:var(--color-gray-500);font-size:14px;line-height:1.6}.client-list{flex-direction:column;align-items:center;gap:10px;max-width:480px;margin:24px auto 0;display:flex}.client-list li{color:#ffffffd9;font-size:16px}.faq-list{flex-direction:column;gap:8px;max-width:800px;margin:32px auto 0;display:flex}.faq-item{border:1px solid var(--color-gray-200);background:var(--color-white);border-radius:10px;overflow:hidden}.faq-item summary{color:var(--color-gray-900);cursor:pointer;justify-content:space-between;align-items:center;padding:18px 24px;font-size:16px;font-weight:600;list-style:none;display:flex}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";color:var(--color-gray-400);font-size:20px;font-weight:400}.faq-item[open] summary:after{content:"−"}.faq-item p{color:var(--color-gray-600);padding:0 24px 20px;font-size:15px;line-height:1.7}@media (width<=768px){.intro-grid{grid-template-columns:1fr;gap:32px}.intro-image{order:-1}.ho6-grid{grid-template-columns:1fr;gap:32px}.ho6-image{order:-1}.steps-grid{grid-template-columns:1fr}}