/* =========================================================
   MENIFA FINANCE — luxury art-deco system
   Layout concept: emerald velvet stage, champagne-gold hairlines,
   ivory paper for long reading, oxblood as the single contrast note.
   ========================================================= */
:root{
  --em-950:#06150F; --em-900:#081B15; --em-800:#0B231C; --em-700:#0F2E25; --em-600:#154036; --em-500:#1B4A3C;
  --line:#3E5A45; --line-soft:rgba(230,201,128,.18);
  --gold:#C9A96E; --gold-hi:#E6C980; --gold-pale:#F4E2B0; --gold-deep:#A8864A; --gold-ink:#7A5A22;
  --ivory:#F4EEE1; --paper:#F7F1E4; --paper-2:#EFE6D2;
  --ink:#14241E; --ink-soft:#3F4F47;
  --ox:#45111F; --ox-900:#2A0912;
  --muted:#CFD8CC; --muted-2:#A9B8AE;
  --f-display:'Frank Ruhl Libre', 'David Libre', Georgia, serif;
  --f-body:'IBM Plex Sans Hebrew', 'Assistant', 'Segoe UI', Arial, sans-serif;
  --f-num:'Cormorant Garamond', Georgia, serif;
  --radius:4px;
  --wrap:1320px;
  --fs:1;

  --em-920:#071812; --em-850:#0A2019; --em-650:#12372D; --em-550:#16443A;
  --line-strong:#4A6650; --muted-3:#8FA294; --muted-4:#6F877C; --ox-glow:#6A1C2C; --ox-text:#F0DCDC; --ox-muted:#D6B9B9;
  --g-1:#B8955A; --g-2:#D9BB78; --gold-ink-dark:#4A3A1C; --on-gold:#0B231C;
  --gold-hi-rgb:230 201 128; --gold-pale-rgb:244 226 176; --gold-rgb:201 169 110; --gold-deep-rgb:168 134 74; --paper-line-rgb:140 108 56;
  --em-950-rgb:6 21 15; --em-900-rgb:8 27 21; --em-800-rgb:11 35 28; --em-700-rgb:15 46 37; --panel-rgb:18 58 47; --ox-rgb:58 14 25; --ox-900-rgb:42 9 18;
  color-scheme: dark;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;font-size:calc(16px * var(--fs))}
body{margin:0;background:var(--em-950);color:var(--ivory);font-family:var(--f-body);font-weight:300;line-height:1.7;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--f-display);font-weight:400;line-height:1.15;margin:0;text-wrap:balance}
p{margin:0}
a{color:var(--gold-hi)}
a:hover{color:var(--gold-pale)}
:focus-visible{outline:2px solid var(--gold-pale);outline-offset:3px}
.num,.lat{font-family:var(--f-num);direction:ltr;unicode-bidi:isolate;font-variant-numeric:lining-nums tabular-nums}
.wrap{position:relative;z-index:2;width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:clamp(16px,4vw,56px)}
.skip{position:absolute;top:-60px;right:16px;z-index:1000;background:var(--gold);color:var(--on-gold);padding:10px 18px;border-radius:999px;font-weight:600;text-decoration:none}
.skip:focus{top:12px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ---------- textures ---------- */
.sec{position:relative;overflow:hidden}
.layer{position:absolute;inset:0;pointer-events:none;z-index:0}
.bg-hero{background:radial-gradient(ellipse 55% 60% at 28% 62%, var(--em-500) 0%, rgb(var(--em-700-rgb) / 0) 70%), radial-gradient(ellipse 80% 50% at 80% 0%, var(--em-650) 0%, rgb(var(--em-800-rgb) / 0) 70%), linear-gradient(180deg,var(--em-800) 0%,var(--em-900) 100%)}
.rays{position:absolute;left:28%;bottom:-10%;width:1800px;height:1800px;transform:translate(-50%,50%);background:repeating-conic-gradient(from 0deg at 50% 50%, rgb(var(--gold-hi-rgb) / .10) 0deg .6deg, transparent .6deg 7.5deg);border-radius:50%;-webkit-mask:radial-gradient(circle,#000 0 30%,transparent 62%);mask:radial-gradient(circle,#000 0 30%,transparent 62%);animation:spin 160s linear infinite}
.rays.center{left:50%}
@keyframes spin{to{transform:translate(-50%,50%) rotate(360deg)}}
.sweep{position:absolute;top:-20%;bottom:-20%;width:30%;left:-40%;background:linear-gradient(100deg,transparent 0%,rgb(var(--gold-pale-rgb) / .07) 45%,rgb(var(--gold-pale-rgb) / .14) 50%,rgb(var(--gold-pale-rgb) / .07) 55%,transparent 100%);animation:sw 9s 2s ease-in-out infinite}
@keyframes sw{0%{left:-40%}55%,100%{left:120%}}
.dust{position:absolute;width:3px;height:3px;border-radius:50%;background:var(--gold-pale);box-shadow:0 0 8px 2px rgb(var(--gold-hi-rgb) / .6);opacity:0;animation:fl 11s linear infinite}
@keyframes fl{0%{opacity:0;transform:translateY(0)}15%{opacity:.9}85%{opacity:.6}100%{opacity:0;transform:translateY(-420px) translateX(40px)}}
.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.55;mix-blend-mode:screen}
.bg-gold{background:linear-gradient(90deg,var(--gold-deep) 0%,var(--gold-hi) 22%,var(--gold) 45%,var(--gold-pale) 62%,var(--g-1) 82%,var(--g-2) 100%)}
.bg-guil{background:repeating-radial-gradient(circle at 22% 120%, transparent 0 17px, rgb(var(--gold-hi-rgb) / .09) 17px 18px), repeating-radial-gradient(circle at 78% 120%, transparent 0 17px, rgb(var(--gold-hi-rgb) / .09) 17px 18px), radial-gradient(ellipse 70% 70% at 50% 100%, var(--em-650) 0%, var(--em-920) 75%)}
.bg-pin{background:repeating-linear-gradient(90deg, rgb(var(--gold-hi-rgb) / .06) 0 1px, transparent 1px 22px), linear-gradient(160deg,var(--em-700) 0%,var(--em-920) 100%)}
.bg-ivory{color:var(--ink);background:radial-gradient(circle at 50% 100%, transparent 0 21px, rgb(var(--paper-line-rgb) / .14) 21px 22px, transparent 22px 30px, rgb(var(--paper-line-rgb) / .09) 30px 31px, transparent 31px) 0 0/64px 32px, radial-gradient(circle at 50% 100%, transparent 0 21px, rgb(var(--paper-line-rgb) / .14) 21px 22px, transparent 22px 30px, rgb(var(--paper-line-rgb) / .09) 30px 31px, transparent 31px) 32px 16px/64px 32px, linear-gradient(180deg,var(--paper),var(--paper-2))}
.bg-grid{background:linear-gradient(rgb(var(--gold-hi-rgb) / .05) 1px, transparent 1px) 0 0/100% 120px, linear-gradient(90deg, rgb(var(--gold-hi-rgb) / .05) 1px, transparent 1px) 0 0/120px 100%, radial-gradient(ellipse 60% 80% at 100% 0%, var(--em-600) 0%, rgb(var(--em-800-rgb) / 0) 70%), var(--em-800)}
.bg-ox{background:radial-gradient(ellipse 70% 90% at 50% 0%, var(--ox-glow) 0%, rgb(var(--ox-rgb) / 0) 70%), linear-gradient(180deg,var(--ox),var(--ox-900))}
.rays2{position:absolute;left:50%;top:0;width:2400px;height:2400px;transform:translate(-50%,-50%);background:repeating-conic-gradient(from 0deg, rgb(var(--gold-hi-rgb) / .08) 0deg .5deg, transparent .5deg 6deg);border-radius:50%;-webkit-mask:radial-gradient(circle,#000 0 20%,transparent 55%);mask:radial-gradient(circle,#000 0 20%,transparent 55%)}
.bg-cta{color:var(--on-gold);background:radial-gradient(ellipse 60% 70% at 50% 30%, var(--gold-pale) 0%, rgb(var(--gold-hi-rgb) / 0) 70%), linear-gradient(135deg,var(--g-1) 0%,var(--gold-hi) 40%,var(--gold) 70%,var(--gold-deep) 100%)}
.gold-rule{height:1px;background:linear-gradient(90deg,transparent,var(--gold) 20%,var(--gold-pale) 50%,var(--gold) 80%,transparent)}

/* ---------- type helpers ---------- */
.eyebrow{font-size:.75rem;letter-spacing:.32em;color:var(--gold);font-weight:500;display:flex;align-items:center;gap:14px}
.eyebrow::before{content:"";width:40px;height:1px;background:currentColor}
.eyebrow.c{justify-content:center}
.h-xl{font-size:clamp(2.4rem,5vw,4.75rem);line-height:1.03;font-weight:300}
.h-xl em,.g{font-style:normal;font-weight:500;color:var(--gold-hi)}
.gold-text{background:linear-gradient(100deg,var(--g-1) 0%,var(--gold-pale) 40%,var(--gold) 60%,var(--gold-hi) 100%);-webkit-background-clip:text;background-clip:text;color:transparent}
.lead{font-size:clamp(1.05rem,1.4vw,1.25rem);line-height:1.8;color:var(--muted);max-width:60ch}
.stack{display:flex;flex-direction:column}
.sec-pad{padding-block:clamp(72px,10vw,128px)}
.sec-head{display:flex;flex-direction:column;gap:20px;margin-bottom:56px;max-width:880px}
.sec-head.c{align-items:center;text-align:center;margin-inline:auto}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:54px;padding:0 30px;border-radius:999px;font-family:var(--f-body);font-weight:500;font-size:1rem;letter-spacing:.03em;text-decoration:none;border:0;cursor:pointer;transition:filter .3s,color .3s,border-color .3s,background .3s}
.btn-a{background:linear-gradient(100deg,var(--g-1),var(--gold-pale) 45%,var(--g-2) 70%,var(--g-1));color:var(--em-800);box-shadow:0 8px 30px rgb(var(--gold-rgb) / .28)}
.btn-a:hover{filter:brightness(1.07);color:var(--on-gold)}
.btn-g{background:none;border:1px solid var(--line-strong);color:var(--ivory)}
.btn-g:hover{color:var(--gold-hi);border-color:var(--gold-hi)}
.btn-dark{background:var(--em-800);color:var(--gold-hi)}
.btn-dark:hover{color:var(--gold-pale);background:var(--em-700)}
.btn-wa{background:#1F6F4A;color:#fff}
.btn-wa:hover{background:#24804F;color:#fff}
.btn svg{flex:none}
.chip{display:inline-flex;align-items:center;min-height:44px;padding:0 20px;border:1px solid var(--line);border-radius:999px;color:var(--muted);text-decoration:none;font-size:.875rem;background:none;font-family:inherit;cursor:pointer}
.chip:hover{border-color:var(--gold-hi);color:var(--gold-hi)}
.chips{display:flex;flex-wrap:wrap;gap:10px}

/* ---------- ticker ---------- */
.ticker{overflow:hidden;white-space:nowrap;color:var(--on-gold);font-size:.75rem;letter-spacing:.14em;padding-block:9px;font-weight:500}
.ticker-in{display:inline-flex;gap:56px;padding-inline-start:56px;animation:tk 50s linear infinite}
.ticker b{font-family:var(--f-num);font-size:1rem}
@keyframes tk{from{transform:translateX(0)}to{transform:translateX(50%)}}

/* ---------- header ---------- */
.site-head{position:relative;z-index:30}
.head-row{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-block:22px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--ivory)}
.brand-name{display:flex;flex-direction:column;line-height:1}
.brand-name b{font-family:var(--f-display);font-size:1.6rem;font-weight:500;letter-spacing:.02em}
.brand-name span{font-family:var(--f-num);font-size:.7rem;letter-spacing:.38em;color:var(--gold);margin-top:5px;direction:ltr}
.nav{display:flex;align-items:center;gap:28px}
.nav a{color:var(--muted);text-decoration:none;font-size:.9rem;letter-spacing:.04em;padding-block:8px}
.nav a:hover,.nav a[aria-current="page"]{color:var(--gold-hi)}
.nav-dd{position:relative}
.nav-dd>button{all:unset;cursor:pointer;color:var(--muted);font-size:.9rem;letter-spacing:.04em;display:inline-flex;align-items:center;gap:6px;padding-block:8px}
.nav-dd>button:hover,.nav-dd>button:focus-visible{color:var(--gold-hi)}
.nav-dd .menu{position:absolute;top:100%;right:-20px;min-width:560px;background:var(--em-800);border:1px solid var(--line);border-radius:var(--radius);padding:12px;display:none;grid-template-columns:1fr;gap:2px;box-shadow:0 24px 60px rgba(0,0,0,.45)}
.nav-dd.open .menu{display:grid;grid-template-columns:1fr 1fr}
.nav-dd .menu a{padding:10px 12px;border-radius:2px;font-size:.92rem}
.nav-dd .menu a:hover{background:rgb(var(--gold-hi-rgb) / .08)}
.burger{all:unset;display:none;cursor:pointer;width:46px;height:46px;border:1px solid var(--line);border-radius:50%;align-items:center;justify-content:center;color:var(--gold-hi)}
.mnav{display:none}
@media (max-width:1020px){
  .nav,.head-cta{display:none}
  .burger{display:inline-flex}
  .mnav.open{display:block;position:fixed;inset:0;z-index:200;background:var(--em-900);overflow:auto;padding:calc(env(safe-area-inset-top,0px) + 20px) 24px 40px}
  .mnav-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:24px}
  .mnav a{display:block;color:var(--ivory);text-decoration:none;font-family:var(--f-display);font-size:1.5rem;padding:12px 0;border-bottom:1px solid var(--line-soft)}
  .mnav .sub a{font-family:var(--f-body);font-size:1rem;color:var(--muted);padding:10px 0}
}

/* ---------- home hero & fan ---------- */
.hero-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:56px;align-items:center}
.h-hero{font-size:clamp(3rem,8.4vw,8.4rem);line-height:.98;letter-spacing:-.015em;font-weight:300}
.strike{position:relative;display:inline-block;color:var(--muted-4)}
.strike::after{content:"";position:absolute;inset-inline:-3%;top:55%;height:2px;background:var(--gold-hi);transform:scaleX(0);transform-origin:right;animation:st 1.1s 1.2s cubic-bezier(.7,0,.2,1) forwards}
@keyframes st{to{transform:scaleX(1)}}
.rise{animation:rs 1.1s cubic-bezier(.2,.8,.2,1) both}
.d1{animation-delay:.1s}.d2{animation-delay:.3s}.d3{animation-delay:.55s}.d4{animation-delay:.8s}
@keyframes rs{from{opacity:0;transform:translateY(28px)}to{opacity:1;transform:none}}
.fan{position:relative;width:min(600px,90vw);aspect-ratio:1/.6;margin-inline:auto;max-width:100%}
.fan-glow{position:absolute;left:50%;bottom:-10%;width:90%;aspect-ratio:1;transform:translateX(-50%);border-radius:50%;background:radial-gradient(circle,rgb(var(--gold-hi-rgb) / .22) 0%,rgb(var(--gold-hi-rgb) / 0) 60%);animation:gl 5s ease-in-out infinite alternate}
@keyframes gl{from{opacity:.6}to{opacity:1}}
.blade{all:unset;box-sizing:border-box;position:absolute;bottom:0;left:50%;width:13.5%;height:96%;transform-origin:50% 100%;border-radius:999px 999px 4px 4px;background:linear-gradient(180deg,var(--em-650) 0%,var(--em-850) 100%);border:1px solid var(--line);cursor:pointer;transform:translateX(-50%) rotate(var(--r));animation:open 1.8s cubic-bezier(.2,.9,.15,1) both;transition:border-color .4s,height .4s,box-shadow .4s}
.blade:hover{border-color:var(--gold-hi);box-shadow:0 0 24px rgb(var(--gold-hi-rgb) / .25)}
.blade .lbl{position:absolute;top:9%;left:50%;transform:translateX(-50%);writing-mode:vertical-rl;white-space:nowrap;font-size:.875rem;letter-spacing:.06em;color:var(--muted);transition:color .4s}
.blade .no{position:absolute;bottom:22%;left:50%;transform:translateX(-50%);font-family:var(--f-num);font-size:.95rem;color:var(--muted-3);font-style:italic}
.blade[aria-pressed="true"]{background:linear-gradient(180deg,var(--gold-pale) 0%,var(--g-2) 45%,var(--gold-deep) 100%);border-color:var(--gold-pale);height:104%;box-shadow:0 0 40px rgb(var(--gold-hi-rgb) / .45)}
.blade[aria-pressed="true"] .lbl{color:var(--on-gold);font-weight:600}
.blade[aria-pressed="true"] .no{color:var(--gold-ink-dark)}
@keyframes open{from{transform:translateX(-50%) rotate(0deg)}to{transform:translateX(-50%) rotate(var(--r))}}
.hub{position:absolute;bottom:-30px;left:50%;transform:translateX(-50%);width:64px;height:64px;border-radius:50%;background:radial-gradient(circle at 35% 30%,var(--gold-pale),var(--gold-deep));display:flex;align-items:center;justify-content:center;box-shadow:0 0 0 8px var(--em-800),0 0 0 9px var(--gold)}
.hub i{width:10px;height:10px;border-radius:50%;background:var(--em-800)}
.panel{background:linear-gradient(135deg,rgb(var(--panel-rgb) / .92),rgb(var(--em-900-rgb) / .95));border:1px solid var(--line-strong);border-radius:var(--radius);position:relative}
.panel::before{content:"";position:absolute;inset:8px;border:1px solid rgb(var(--gold-hi-rgb) / .18);pointer-events:none}
.panel-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr) minmax(0,.85fr);position:relative}
.panel-grid>div{padding:44px;display:flex;flex-direction:column;gap:16px}
.panel-grid>div+div{border-inline-start:1px solid rgb(var(--gold-hi-rgb) / .15)}
.panel-in{animation:pn .6s cubic-bezier(.2,.8,.2,1)}
@keyframes pn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.lbl-sm{font-size:.75rem;letter-spacing:.28em;color:var(--gold)}
.diamonds{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px}
.diamonds li{display:flex;gap:14px;align-items:baseline}
.diamonds li::before{content:"◆";color:var(--gold-hi);font-size:.6rem;flex:none}

/* ---------- bank carousel ---------- */
.banks{position:relative}
.bank-track{display:flex;gap:20px;overflow-x:auto;scroll-snap-type:x mandatory;scroll-behavior:smooth;padding:12px 4px 28px;scrollbar-width:thin;scrollbar-color:var(--gold-deep) transparent}
.bank-track::-webkit-scrollbar{height:4px}.bank-track::-webkit-scrollbar-thumb{background:var(--gold-deep);border-radius:4px}
.bank{flex:0 0 clamp(180px,22vw,240px);scroll-snap-align:start;aspect-ratio:1.35;border-radius:var(--radius);background:radial-gradient(circle at 35% 25%, var(--em-550), var(--em-850));border:1px solid rgb(var(--gold-hi-rgb) / .35);box-shadow:inset 0 0 0 6px var(--em-850),inset 0 0 0 7px rgb(var(--gold-hi-rgb) / .25);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:8px;text-align:center;padding:20px;transition:box-shadow .4s,transform .4s}
.bank:hover{box-shadow:inset 0 0 0 6px var(--em-850),inset 0 0 0 7px var(--gold-hi),0 0 34px rgb(var(--gold-hi-rgb) / .25);transform:translateY(-4px)}
.bank{background:linear-gradient(180deg,#FBF8F1,#EFE6D2)!important;box-shadow:inset 0 0 0 6px #FBF8F1,inset 0 0 0 7px rgb(var(--gold-deep-rgb) / .45),0 14px 34px rgba(0,0,0,.35)!important}
.bank:hover{box-shadow:inset 0 0 0 6px #FBF8F1,inset 0 0 0 7px var(--gold),0 0 34px rgb(var(--gold-hi-rgb) / .35)!important}
.bank-logo{height:70px;display:flex;align-items:center;justify-content:center}
.bank img{max-height:70px;max-width:150px;width:auto;height:auto;object-fit:contain;border-radius:8px}
.bank img[src*='calcalist'],.bank img[src*='themarker'],.bank img[src*='globes']{height:48px;width:48px;image-rendering:auto}
.bank b{color:var(--em-700)!important}
.bank .kind{color:var(--gold-ink)!important}
.bank b{font-family:var(--f-display);font-weight:500;font-size:1.35rem;color:var(--ivory);line-height:1.15}
.bank small{font-family:var(--f-num);font-size:.75rem;letter-spacing:.24em;color:var(--gold);direction:ltr}
.bank .kind{font-size:.72rem;letter-spacing:.14em;color:var(--muted-2)}
.car-nav{display:flex;gap:10px;justify-content:center;margin-top:8px}
.car-btn{all:unset;cursor:pointer;width:48px;height:48px;border-radius:50%;border:1px solid var(--line);display:inline-flex;align-items:center;justify-content:center;color:var(--gold-hi)}
.car-btn:hover{border-color:var(--gold-hi)}
.car-btn:focus-visible{outline:2px solid var(--gold-pale);outline-offset:3px}

/* ---------- cards / grids ---------- */
.card{border:1px solid var(--line-soft);border-radius:var(--radius);padding:34px;display:flex;flex-direction:column;gap:16px;background:rgb(var(--em-900-rgb) / .72)}
.g4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.g3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.g2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.svc{display:grid;grid-template-columns:110px minmax(0,1.1fr) minmax(0,1fr) 60px;gap:32px;align-items:center;padding:38px 0;border-top:1px solid var(--line-soft);text-decoration:none;color:var(--ivory);transition:padding .5s,background .5s}
.svc:hover{padding-inline:28px;background:rgb(var(--gold-hi-rgb) / .07);color:var(--ivory)}
.svc:hover h3{color:var(--gold-hi)}
.svc h3{font-size:clamp(1.8rem,3.4vw,3.1rem)}
.svc p{color:var(--muted)}
.svc .arr{width:52px;height:52px;border-radius:50%;border:1px solid var(--line-strong);color:var(--gold-hi);display:flex;align-items:center;justify-content:center;transition:transform .5s,border-color .5s}
.svc:hover .arr{transform:rotate(-45deg);border-color:var(--gold-hi)}
.testi{background:rgb(var(--ox-900-rgb) / .7);border-color:rgb(var(--gold-hi-rgb) / .28)}
.testi q{quotes:none;font-size:1rem;line-height:1.8;color:var(--ox-text)}
.testi .save{font-family:var(--f-num);font-size:3.4rem;line-height:1;color:var(--ivory);direction:ltr;text-align:right}
.post-card{text-decoration:none;color:var(--ivory);justify-content:space-between;min-height:250px;transition:border-color .3s,transform .3s}
.post-card:hover{border-color:var(--gold);transform:translateY(-3px);color:var(--ivory)}
.post-card h3{font-size:1.45rem;line-height:1.25}
.post-card .meta{font-size:.78rem;letter-spacing:.14em;color:var(--gold)}
.post-card p{color:var(--muted-2);font-size:.95rem;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}

/* ---------- calculator ---------- */
.rng{-webkit-appearance:none;appearance:none;width:100%;height:2px;background:var(--line);outline:none;margin:14px 0}
.rng::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--gold-hi);border:5px solid var(--em-800);box-shadow:0 0 0 1px var(--gold-hi);cursor:pointer}
.rng::-moz-range-thumb{width:14px;height:14px;border-radius:50%;background:var(--gold-hi);border:5px solid var(--em-800);cursor:pointer}
.rng:focus-visible{box-shadow:0 0 0 3px var(--gold-pale)}
.field-row{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-size:.9rem;letter-spacing:.04em;color:var(--muted)}
.field-row output,.field-row .v{color:var(--ivory);font-family:var(--f-num);font-size:1.6rem;font-weight:500;direction:ltr}
.result-card{background:linear-gradient(135deg,var(--g-1) 0%,var(--gold-hi) 40%,var(--gold) 70%,var(--gold-deep) 100%);color:var(--on-gold);border-color:var(--gold-pale)}
.result-big{font-family:var(--f-num);font-size:clamp(3rem,6.4vw,6.6rem);font-weight:500;line-height:.95;direction:ltr;text-align:right}
.result-mini{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;border-top:1px solid var(--em-800);padding-top:22px}
.result-mini b{font-family:var(--f-num);font-size:1.9rem;font-weight:500;direction:ltr;display:block;text-align:right}
.calc-box{scroll-margin-top:24px}
.calc-box .result{background:rgb(var(--gold-hi-rgb) / .08);border:1px solid var(--line-soft);border-radius:var(--radius);padding:20px;display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:14px}
.calc-box .result span{display:block;font-size:.8rem;color:var(--muted-2);letter-spacing:.06em}
.calc-box .result b{font-family:var(--f-num);font-size:1.7rem;font-weight:500;color:var(--gold-hi);direction:ltr;display:block;text-align:right}
.calc-index{display:flex;flex-wrap:wrap;gap:10px}
.pill{display:inline-flex;align-items:center;gap:8px;padding:4px 12px;border-radius:999px;font-size:.8rem;font-weight:500}
.pill.ok{background:#1F5A3F;color:#E0F3E8}.pill.mid{background:#6B5418;color:#FFF1C9}.pill.bad{background:var(--ox-glow);color:#FFE1E6}

/* ---------- page hero (inner pages) ---------- */
.page-hero{padding-block:0 clamp(56px,8vw,104px)}
.crumbs{display:flex;flex-wrap:wrap;gap:8px;font-size:.82rem;color:var(--muted-2);margin-bottom:28px;list-style:none;padding:0}
.crumbs a{color:var(--muted-2);text-decoration:none}.crumbs a:hover{color:var(--gold-hi)}
.crumbs li+li::before{content:"‹";margin-inline-end:8px;color:var(--gold)}
.page-hero h1{font-size:clamp(2.2rem,5.2vw,4.6rem);font-weight:300;max-width:20ch}
.page-meta{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:22px;font-size:.85rem;color:var(--muted-2)}
.page-meta span{display:inline-flex;align-items:center;gap:8px}
.page-meta span::before{content:"◆";font-size:.55rem;color:var(--gold)}

/* ---------- article layout ---------- */
.article-sec{padding-block:clamp(48px,7vw,96px)}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:start}
.aside{position:sticky;top:24px;display:flex;flex-direction:column;gap:16px}
.aside-card{background:linear-gradient(160deg,var(--em-700),var(--em-900));color:var(--ivory);border-radius:var(--radius);padding:30px;display:flex;flex-direction:column;gap:16px;border:1px solid rgb(var(--gold-hi-rgb) / .3);position:relative}
.aside-card::before{content:"";position:absolute;inset:7px;border:1px solid rgb(var(--gold-hi-rgb) / .16);pointer-events:none}
.aside-card h3{font-size:1.45rem}
.aside-card p{font-size:.95rem;color:var(--muted)}
.aside-links{background:rgba(255,255,255,.55);border:1px solid rgb(var(--paper-line-rgb) / .25);border-radius:var(--radius);padding:24px}
.aside-links h4{font-size:1.05rem;color:var(--em-700);margin-bottom:10px}
.aside-links a{display:block;color:var(--ink);text-decoration:none;padding:8px 0;border-bottom:1px solid rgb(var(--paper-line-rgb) / .18);font-size:.93rem}
.aside-links a:hover{color:var(--gold-ink)}
.monogram{width:64px;height:64px;border-radius:50%;flex:none;background:radial-gradient(circle at 35% 30%,var(--em-550),var(--em-850));box-shadow:0 0 0 2px var(--em-800),0 0 0 3px var(--gold);display:flex;align-items:center;justify-content:center;font-family:var(--f-display);font-size:1.5rem;color:var(--gold-hi)}

/* prose on paper */
.prose{color:var(--ink);font-size:1.075rem;line-height:1.9;max-width:72ch}
.prose>*+*{margin-top:1.1em}
.prose h2{font-size:clamp(1.7rem,2.6vw,2.3rem);color:var(--em-700);margin-top:2.2em;font-weight:500;padding-top:.6em;border-top:1px solid rgb(var(--paper-line-rgb) / .28)}
.prose h2:first-child{margin-top:0;border-top:0;padding-top:0}
.prose h3{font-size:1.45rem;color:var(--em-700);margin-top:1.8em;font-weight:500}
.prose h4{font-size:1.2rem;color:var(--em-700);margin-top:1.4em;font-weight:500}
.prose strong{font-weight:600;color:#0B1A15}
.prose a{color:var(--gold-ink);text-decoration-thickness:1px;text-underline-offset:3px}
.prose a:hover{color:var(--em-600)}
.prose ul,.prose ol{padding-inline-start:1.4em}
.prose li+li{margin-top:.4em}
.prose ul li::marker{color:var(--gold-deep)}
.prose blockquote{margin:1.6em 0;padding:24px 28px;background:linear-gradient(135deg,var(--em-700),var(--em-900));color:var(--ivory);border-radius:var(--radius);font-family:var(--f-display);font-size:1.3rem;line-height:1.6;position:relative}
.prose blockquote::before{content:"״";position:absolute;top:-6px;inset-inline-start:16px;font-size:4rem;color:var(--gold);line-height:1}
.prose blockquote p+p{margin-top:.6em;font-family:var(--f-body);font-size:.95rem;color:var(--gold-hi)}
.prose hr{border:0;height:1px;background:linear-gradient(90deg,transparent,rgb(var(--paper-line-rgb) / .5),transparent);margin-block:2.2em}
.table-wrap{overflow-x:auto;margin-block:1.4em;border:1px solid rgb(var(--paper-line-rgb) / .3);border-radius:var(--radius);background:rgba(255,255,255,.5)}
.prose table{border-collapse:collapse;width:100%;font-size:.95rem;font-variant-numeric:tabular-nums}
.prose th{background:var(--em-700);color:var(--gold-pale);font-weight:500;text-align:right;padding:12px 14px;white-space:nowrap}
.prose td{padding:11px 14px;border-top:1px solid rgb(var(--paper-line-rgb) / .2)}
.prose tr:nth-child(even) td{background:rgb(var(--paper-line-rgb) / .05)}
.prose img{border-radius:var(--radius)}
.faq-list{display:flex;flex-direction:column;gap:10px;margin-top:1.2em}
.faq-item{border:1px solid rgb(var(--paper-line-rgb) / .3);border-radius:var(--radius);background:rgba(255,255,255,.6)}
.faq-item summary{cursor:pointer;list-style:none;padding:18px 22px;font-family:var(--f-display);font-size:1.15rem;color:var(--em-700);display:flex;justify-content:space-between;gap:16px;align-items:center;font-weight:500}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-family:var(--f-num);font-size:1.6rem;color:var(--gold-deep);transition:transform .3s;flex:none}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item .ans{padding:0 22px 20px;color:var(--ink-soft)}
.faq-item .ans>*+*{margin-top:.8em}
.dark-faq .faq-item{background:rgb(var(--em-900-rgb) / .7);border-color:var(--line-soft)}
.dark-faq .faq-item summary{color:var(--ivory)}
.dark-faq .faq-item .ans{color:var(--muted)}

/* ---------- forms ---------- */
.lead-form{display:grid;gap:16px}
.lead-form .row{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.lead-form label{display:flex;flex-direction:column;gap:8px;font-size:.88rem;letter-spacing:.03em;color:var(--muted)}
.lead-form input[type=text],.lead-form input[type=tel],.lead-form input[type=email],.lead-form select,.lead-form textarea{font:inherit;font-weight:400;color:var(--ivory);background:rgb(var(--em-950-rgb) / .6);border:1px solid var(--line);border-radius:var(--radius);min-height:50px;padding:10px 14px}
.lead-form textarea{min-height:110px;resize:vertical}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{border-color:var(--gold-hi);outline:none;box-shadow:0 0 0 3px rgb(var(--gold-hi-rgb) / .2)}
.consent{flex-direction:row!important;align-items:flex-start;gap:12px!important;line-height:1.6}
.consent input{width:20px;height:20px;margin-top:3px;accent-color:var(--gold);flex:none}
.form-err{color:#FFB4BF;font-size:.85rem;min-height:1.2em}
.form-ok{display:none;background:rgba(31,111,74,.2);border:1px solid #2F8A5C;border-radius:var(--radius);padding:20px;gap:12px;flex-direction:column}
.form-ok.show{display:flex}
.on-paper .lead-form label{color:var(--ink-soft)}
.on-paper .lead-form input,.on-paper .lead-form select,.on-paper .lead-form textarea{background:#fff;color:var(--ink);border-color:rgb(var(--paper-line-rgb) / .4)}

/* ---------- footer ---------- */
.site-foot{background:var(--em-950);padding-block:64px 40px;border-top:1px solid var(--line-soft)}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(3,minmax(0,1fr));gap:40px}
.foot-grid h4{font-size:1.05rem;color:var(--gold-hi);margin-bottom:14px}
.foot-grid a{display:block;color:var(--muted-2);text-decoration:none;font-size:.9rem;padding:5px 0}
.foot-grid a:hover{color:var(--gold-hi)}
.disclaimer{font-size:.8rem;line-height:1.75;color:var(--muted-3);border-top:1px solid var(--line-soft);padding-top:24px;margin-top:40px}
.foot-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;font-size:.82rem;color:var(--muted-3);margin-top:20px}
.foot-bottom button{all:unset;cursor:pointer;color:var(--gold);text-decoration:underline;text-underline-offset:3px}
.contact-line{display:flex;align-items:center;gap:10px;flex-wrap:wrap}
.copy-btn{all:unset;cursor:pointer;font-size:.75rem;color:var(--gold);border:1px solid var(--line);border-radius:999px;padding:2px 10px}
.copy-btn:hover{border-color:var(--gold)}

/* ---------- floating: whatsapp, a11y, cookies ---------- */
.fab{position:fixed;z-index:150;bottom:calc(20px + env(safe-area-inset-bottom,0px))}
.fab-wa{left:20px}
.fab-a11y{right:20px}
.fab-btn{all:unset;cursor:pointer;width:60px;height:60px;border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 12px 30px rgba(0,0,0,.4);transition:transform .25s}
.fab-btn:hover{transform:scale(1.06)}
.fab-btn:focus-visible{outline:3px solid var(--gold-pale);outline-offset:3px}
.fab-wa .fab-btn{background:#1F8A55;color:#fff}
.fab-a11y .fab-btn{background:var(--em-700);color:var(--gold-hi);border:1px solid var(--gold)}
.wa-pop{position:absolute;bottom:74px;left:0;width:min(340px,calc(100vw - 40px));background:var(--paper);color:var(--ink);border-radius:12px;box-shadow:0 24px 60px rgba(0,0,0,.45);overflow:hidden}
.wa-pop header{background:linear-gradient(135deg,var(--em-700),var(--em-900));color:var(--ivory);padding:18px 20px;display:flex;align-items:center;gap:12px}
.wa-pop header .monogram{width:44px;height:44px;font-size:1.1rem}
.wa-pop header b{display:block;font-family:var(--f-display);font-size:1.1rem;font-weight:500}
.wa-pop header small{color:var(--gold-hi);font-size:.78rem}
.wa-pop .wa-body{padding:18px 20px;display:flex;flex-direction:column;gap:10px}
.wa-bubble{background:#fff;border-radius:10px 10px 10px 2px;padding:12px 14px;font-size:.93rem;box-shadow:0 1px 2px rgba(0,0,0,.08)}
.wa-topics{display:flex;flex-wrap:wrap;gap:8px}
.wa-topics a{font-size:.85rem;text-decoration:none;color:var(--em-700);border:1px solid rgb(var(--em-700-rgb) / .3);border-radius:999px;padding:8px 12px;min-height:36px;display:inline-flex;align-items:center}
.wa-topics a:hover{background:var(--em-700);color:var(--gold-pale)}
.wa-close,.a11y-close{all:unset;cursor:pointer;margin-inline-start:auto;width:36px;height:36px;display:flex;align-items:center;justify-content:center;border-radius:50%;color:inherit}
.wa-close:hover,.a11y-close:hover{background:rgba(255,255,255,.12)}
.a11y-panel{position:absolute;bottom:74px;right:0;width:min(340px,calc(100vw - 40px));max-height:calc(100vh - 140px);overflow:auto;background:var(--paper);color:var(--ink);border-radius:12px;box-shadow:0 24px 60px rgba(0,0,0,.45)}
.a11y-panel header{display:flex;align-items:center;padding:16px 18px;background:var(--em-800);color:var(--ivory);position:sticky;top:0}
.a11y-panel header b{font-family:var(--f-display);font-size:1.15rem;font-weight:500}
.a11y-panel section{padding:14px 18px;border-bottom:1px solid rgb(var(--paper-line-rgb) / .2)}
.a11y-panel h5{margin:0 0 10px;font-size:.78rem;letter-spacing:.14em;color:var(--gold-ink);font-weight:600}
.a11y-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
.a11y-grid button{all:unset;box-sizing:border-box;cursor:pointer;min-height:48px;padding:8px 10px;border:1px solid rgb(var(--em-700-rgb) / .25);border-radius:8px;font-size:.88rem;text-align:center;display:flex;align-items:center;justify-content:center;gap:6px;color:var(--ink);background:#fff}
.a11y-grid button[aria-pressed="true"]{background:var(--em-700);color:var(--gold-pale);border-color:var(--em-700)}
.a11y-grid button:focus-visible{outline:3px solid var(--gold-deep);outline-offset:2px}
.a11y-foot{padding:14px 18px;display:flex;justify-content:space-between;align-items:center;gap:10px;font-size:.85rem}
.a11y-foot a{color:var(--gold-ink)}
.a11y-foot button{all:unset;cursor:pointer;color:var(--em-700);text-decoration:underline}
.cookie{position:fixed;z-index:160;left:16px;right:16px;bottom:calc(16px + env(safe-area-inset-bottom,0px));max-width:980px;margin-inline:auto;background:var(--paper);color:var(--ink);border-radius:12px;box-shadow:0 24px 70px rgba(0,0,0,.5);padding:22px 24px;display:flex;flex-wrap:wrap;gap:18px;align-items:center;border:1px solid var(--gold)}
.cookie p{flex:1 1 380px;font-size:.92rem;line-height:1.7}
.cookie p a{color:var(--gold-ink)}
.cookie .acts{display:flex;flex-wrap:wrap;gap:10px}
.cookie .btn{min-height:46px;padding:0 20px;font-size:.92rem}
.btn-line-dark{background:none;border:1px solid var(--em-700);color:var(--em-700)}
.btn-line-dark:hover{background:var(--em-700);color:var(--gold-pale)}
.modal{position:fixed;inset:0;z-index:300;background:rgb(var(--em-950-rgb) / .7);display:flex;align-items:center;justify-content:center;padding:16px}
.modal-box{background:var(--paper);color:var(--ink);border-radius:12px;max-width:560px;width:100%;max-height:calc(100vh - 32px);overflow:auto;padding:28px;display:flex;flex-direction:column;gap:18px}
.modal-box h2{color:var(--em-700);font-size:1.6rem}
.toggle-row{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;padding:14px 0;border-top:1px solid rgb(var(--paper-line-rgb) / .2)}
.toggle-row p{font-size:.88rem;color:var(--ink-soft)}
.switch{position:relative;width:52px;height:30px;flex:none}
.switch input{opacity:0;width:100%;height:100%;position:absolute;inset:0;margin:0;cursor:pointer;z-index:1}
.switch span{position:absolute;inset:0;border-radius:999px;background:#B9B2A2;transition:background .2s}
.switch span::after{content:"";position:absolute;top:3px;right:3px;width:24px;height:24px;border-radius:50%;background:#fff;transition:transform .2s}
.switch input:checked+span{background:var(--em-600)}
.switch input:checked+span::after{transform:translateX(-22px)}
.switch input:focus-visible+span{outline:3px solid var(--gold-deep);outline-offset:2px}
.switch input:disabled+span{opacity:.6}

/* ---------- a11y modes ---------- */
html.a11y-contrast body{background:#000!important}
html.a11y-contrast body *{background-image:none!important;text-shadow:none!important;box-shadow:none!important}
html.a11y-contrast .sec,html.a11y-contrast .card,html.a11y-contrast .panel,html.a11y-contrast .site-foot,html.a11y-contrast .bank,html.a11y-contrast .aside-card,html.a11y-contrast .ticker,html.a11y-contrast .bg-ivory,html.a11y-contrast .bg-cta,html.a11y-contrast .result-card{background:#000!important;color:#fff!important}
html.a11y-contrast .prose,html.a11y-contrast .prose *{color:#fff!important;background:#000!important}
html.a11y-contrast a{color:#FFEB3B!important}
html.a11y-contrast .btn{background:#FFEB3B!important;color:#000!important;border:2px solid #FFEB3B!important}
html.a11y-contrast .gold-text{-webkit-text-fill-color:#FFEB3B;color:#FFEB3B}
html.a11y-readable body,html.a11y-readable body *{font-family:Arial,'Assistant',sans-serif!important;letter-spacing:.01em!important}
html.a11y-headings h1,html.a11y-headings h2,html.a11y-headings h3,html.a11y-headings h4{outline:2px dashed #FFEB3B;outline-offset:4px}
html.a11y-links a{text-decoration:underline!important;text-decoration-thickness:2px!important;outline:1px solid currentColor;outline-offset:2px}
html.a11y-nomotion *,html.a11y-nomotion *::before,html.a11y-nomotion *::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
html.a11y-cursor,html.a11y-cursor *{cursor:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40' viewBox='0 0 24 24'%3E%3Cpath d='M4 2l16 10-7 1.5L9.5 21z' fill='%23000' stroke='%23fff' stroke-width='1.5'/%3E%3C/svg%3E") 4 2,auto!important}

@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition:none!important;scroll-behavior:auto!important}}

/* ---------- responsive ---------- */
@media (max-width:1020px){
  .hero-grid,.panel-grid,.article-grid,.calc-grid{grid-template-columns:minmax(0,1fr)!important}
  .panel-grid>div+div{border-inline-start:0;border-top:1px solid rgb(var(--gold-hi-rgb) / .15)}
  .aside{position:static}
  .g4{grid-template-columns:repeat(2,minmax(0,1fr))}
  .g3{grid-template-columns:repeat(2,minmax(0,1fr))}
  .foot-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .rays{left:50%}
}
@media (max-width:680px){
  .g4,.g3,.g2{grid-template-columns:minmax(0,1fr)}
  .svc{grid-template-columns:44px minmax(0,1fr) 44px;gap:14px;padding:26px 0}
  .svc .svc-d{display:none}
  .svc .arr{width:44px;height:44px}
  .panel-grid>div{padding:28px 22px}
  .lead-form .row{grid-template-columns:minmax(0,1fr)}
  .foot-grid{grid-template-columns:minmax(0,1fr)}
  .blade .lbl{font-size:.68rem}
  .card{padding:26px}
  .fab-btn{width:54px;height:54px}
}
.lead-form .chips label.chip{flex-direction:row;align-items:center;color:var(--muted);min-height:44px}
.lead-form .chips label.chip:has(input:checked){border-color:var(--gold-hi);color:var(--gold-hi);background:rgb(var(--gold-hi-rgb) / .08)}

/* ================= PALETTES ================= */
html[data-palette="navy"]{--em-950:#050B16;--em-920:#060E1B;--em-900:#08111F;--em-850:#0A1524;--em-800:#0B1729;--em-700:#10213A;--em-650:#14294A;--em-600:#172C4A;--em-550:#1B3456;--em-500:#1E3A60;--line:#34465F;--line-strong:#465A78;--muted:#CED6E3;--muted-2:#A5B1C4;--muted-3:#8A97AD;--muted-4:#6E7C93;
 --em-950-rgb:5 11 22;--em-900-rgb:8 17 31;--em-800-rgb:11 23 41;--em-700-rgb:16 33 58;--panel-rgb:20 41 74}
html[data-palette="onyx"]{--em-950:#060606;--em-920:#080808;--em-900:#0B0B0C;--em-850:#0F0F10;--em-800:#121213;--em-700:#19191B;--em-650:#1E1E21;--em-600:#242427;--em-550:#2A2A2E;--em-500:#333338;--line:#3D3A35;--line-strong:#55504A;--muted:#D8D4CC;--muted-2:#AEA99F;--muted-3:#8E8980;--muted-4:#6E6A63;
 --em-950-rgb:6 6 6;--em-900-rgb:11 11 12;--em-800-rgb:18 18 19;--em-700-rgb:25 25 27;--panel-rgb:30 30 33;
 --gold:#CDB48A;--gold-hi:#E3CFA6;--gold-pale:#F3E7CF;--gold-deep:#A68C62;--g-1:#B39B70;--g-2:#D8C29A;--gold-hi-rgb:227 207 166;--gold-rgb:205 180 138}
html[data-palette="bordeaux"]{--em-950:#12050A;--em-920:#16060C;--em-900:#1A0810;--em-850:#1F0A13;--em-800:#230B15;--em-700:#2E0F1C;--em-650:#361222;--em-600:#3D1526;--em-550:#47192D;--em-500:#521C33;--line:#5A3343;--line-strong:#734657;--muted:#E6D6DB;--muted-2:#BDA6AE;--muted-3:#9C8890;--muted-4:#7E6A72;
 --em-950-rgb:18 5 10;--em-900-rgb:26 8 16;--em-800-rgb:35 11 21;--em-700-rgb:46 15 28;--panel-rgb:54 18 34;
 --ox:#0F2235;--ox-900:#081626;--ox-glow:#1C3A5A;--ox-rgb:15 34 53;--ox-900-rgb:8 22 38;--ox-text:#DCE6F2;--ox-muted:#AFC0D4}
html[data-palette="petrol"]{--em-950:#041315;--em-920:#051618;--em-900:#06191C;--em-850:#071D21;--em-800:#082126;--em-700:#0B2C33;--em-650:#0E333B;--em-600:#103A43;--em-550:#13424C;--em-500:#164B56;--line:#2D5257;--line-strong:#3F6A70;--muted:#D2E0E0;--muted-2:#A3B8B9;--muted-3:#86A0A2;--muted-4:#6A8587;
 --em-950-rgb:4 19 21;--em-900-rgb:6 25 28;--em-800-rgb:8 33 38;--em-700-rgb:11 44 51;--panel-rgb:14 51 59;
 --gold:#C08457;--gold-hi:#DDA06F;--gold-pale:#F2CDA6;--gold-deep:#9A6440;--g-1:#A86F47;--g-2:#D29466;--gold-ink:#7A4A2A;--gold-ink-dark:#4A2C18;--gold-hi-rgb:221 160 111;--gold-pale-rgb:242 205 166;--gold-rgb:192 132 87;--gold-deep-rgb:154 100 64;--paper-line-rgb:150 100 60}
html[data-palette="sapphire"]{--em-950:#070A1A;--em-920:#090D20;--em-900:#0B1026;--em-850:#0E142E;--em-800:#111836;--em-700:#172045;--em-650:#1B2650;--em-600:#202D5C;--em-550:#26356B;--em-500:#2D3F7D;--line:#3B4670;--line-strong:#525E8C;--muted:#D3D8EC;--muted-2:#A8B0D0;--muted-3:#8C94B6;--muted-4:#6F779A;
 --em-950-rgb:7 10 26;--em-900-rgb:11 16 38;--em-800-rgb:17 24 54;--em-700-rgb:23 32 69;--panel-rgb:27 38 80;
 --gold:#C5CCD8;--gold-hi:#E2E7F0;--gold-pale:#F4F6FA;--gold-deep:#97A1B3;--g-1:#9EA8BA;--g-2:#D2D8E3;--gold-ink:#3E4A63;--gold-ink-dark:#2A3348;--gold-hi-rgb:226 231 240;--gold-pale-rgb:244 246 250;--gold-rgb:197 204 216;--gold-deep-rgb:151 161 179;--paper-line-rgb:110 120 145}

/* palette switcher (preview only) */
.pal{position:fixed;z-index:170;top:calc(84px + env(safe-area-inset-top,0px));left:16px;background:rgb(var(--em-900-rgb) / .92);backdrop-filter:blur(8px);border:1px solid rgb(var(--gold-hi-rgb) / .35);border-radius:14px;padding:12px;display:flex;flex-direction:column;gap:8px;width:190px;box-shadow:0 20px 50px rgba(0,0,0,.45)}
.pal b{font-size:.78rem;letter-spacing:.14em;color:var(--gold-hi);font-weight:500}
.pal button{all:unset;cursor:pointer;display:flex;align-items:center;gap:10px;padding:6px 8px;border-radius:8px;font-size:.85rem;color:var(--ivory)}
.pal button:hover,.pal button[aria-pressed="true"]{background:rgb(var(--gold-hi-rgb) / .12)}
.pal button:focus-visible{outline:2px solid var(--gold-pale)}
.pal .sw{width:34px;height:20px;border-radius:5px;flex:none;border:1px solid rgba(255,255,255,.25)}
.pal-toggle{all:unset;cursor:pointer;font-size:.75rem;color:var(--muted-2);text-align:center;padding-top:4px}
.pal.min button[data-pal]{display:none}
@media (max-width:680px){.pal{top:auto;bottom:calc(92px + env(safe-area-inset-bottom,0px));left:50%;transform:translateX(-50%);width:auto;flex-direction:row;flex-wrap:wrap;justify-content:center;max-width:calc(100vw - 32px)}.pal b{width:100%;text-align:center}.pal button span:not(.sw){display:none}}

/* ================= LIGHT PALETTES ================= */
html[data-palette="ivory"]{--em-950:#F7F3EA;--em-920:#F2EDE2;--em-900:#FBF8F2;--em-850:#EEE7D8;--em-800:#F4EFE4;--em-700:#ECE4D3;--em-650:#E6DCC8;--em-600:#E0D4BD;--em-550:#D9CBB0;--em-500:#E8DDC6;
 --line:#D3C6AC;--line-strong:#BEAE8E;--ivory:#0F1E35;--muted:#33425A;--muted-2:#4E5B71;--muted-3:#66728A;--muted-4:#8790A0;
 --em-950-rgb:247 243 234;--em-900-rgb:251 248 242;--em-800-rgb:244 239 228;--em-700-rgb:236 228 211;--panel-rgb:255 255 255;
 --gold:#A8843F;--gold-hi:#8C6B2C;--gold-pale:#6B5020;--gold-deep:#7A5C24;--g-1:#B8955A;--g-2:#D9BB78;--gold-hi-rgb:140 107 44;--gold-pale-rgb:107 80 32;--gold-rgb:168 132 63;--on-gold:#1A1408;color-scheme:light}
html[data-palette="white"]{--em-950:#FFFFFF;--em-920:#FAFAFA;--em-900:#FFFFFF;--em-850:#F4F4F2;--em-800:#F7F7F5;--em-700:#F0F0EC;--em-650:#EAEAE5;--em-600:#E3E3DD;--em-550:#DCDCD5;--em-500:#EFEFEA;
 --line:#D9D9D2;--line-strong:#BDBDB4;--ivory:#111111;--muted:#2F2F2F;--muted-2:#4F4F4F;--muted-3:#6B6B6B;--muted-4:#8C8C8C;
 --em-950-rgb:255 255 255;--em-900-rgb:255 255 255;--em-800-rgb:247 247 245;--em-700-rgb:240 240 236;--panel-rgb:255 255 255;
 --gold:#A8843F;--gold-hi:#8C6B2C;--gold-pale:#5E4619;--gold-deep:#7A5C24;--gold-hi-rgb:140 107 44;--gold-pale-rgb:94 70 25;--gold-rgb:168 132 63;--on-gold:#111111;color-scheme:light}
html[data-palette="royal"]{--em-950:#F4F7FD;--em-920:#EEF2FB;--em-900:#FFFFFF;--em-850:#E8EEFA;--em-800:#F0F4FC;--em-700:#E5ECF9;--em-650:#DCE5F7;--em-600:#D2DDF4;--em-550:#C8D5F1;--em-500:#E0E8F8;
 --line:#C9D4EA;--line-strong:#A9B8D8;--ivory:#0B1B3F;--muted:#26375C;--muted-2:#43547A;--muted-3:#5E6E92;--muted-4:#8090B0;
 --em-950-rgb:244 247 253;--em-900-rgb:255 255 255;--em-800-rgb:240 244 252;--em-700-rgb:229 236 249;--panel-rgb:255 255 255;
 --gold:#2B4FD1;--gold-hi:#1E3FB0;--gold-pale:#14297A;--gold-deep:#1A3594;--g-1:#1E3FB0;--g-2:#3E63E0;--gold-ink:#1A3594;--gold-ink-dark:#0E1E4D;--gold-hi-rgb:30 63 176;--gold-pale-rgb:20 41 122;--gold-rgb:43 79 209;--gold-deep-rgb:26 53 148;--paper-line-rgb:60 90 170;--on-gold:#FFFFFF;color-scheme:light}
html[data-palette="sand"]{--em-950:#EFE7DB;--em-920:#EAE1D3;--em-900:#F6F0E6;--em-850:#E6DCCC;--em-800:#F1E9DD;--em-700:#E8DECF;--em-650:#E1D5C3;--em-600:#D9CCB8;--em-550:#D1C2AC;--em-500:#E4D9C7;
 --line:#CDBFA9;--line-strong:#B5A48A;--ivory:#2B2724;--muted:#45403A;--muted-2:#5E5750;--muted-3:#776F67;--muted-4:#968D84;
 --em-950-rgb:239 231 219;--em-900-rgb:246 240 230;--em-800-rgb:241 233 221;--em-700-rgb:232 222 207;--panel-rgb:250 246 240;
 --gold:#A5643A;--gold-hi:#8E522C;--gold-pale:#6A3B1E;--gold-deep:#7C4726;--g-1:#9A5A33;--g-2:#C27F52;--gold-ink:#7C4726;--gold-ink-dark:#4A2A16;--gold-hi-rgb:142 82 44;--gold-pale-rgb:106 59 30;--gold-rgb:165 100 58;--gold-deep-rgb:124 71 38;--paper-line-rgb:150 100 60;--on-gold:#FFFFFF;color-scheme:light}

/* dark "islands" that stay dark on light palettes: testimonials, footer, side card */
html.light :is(.bg-ox,.site-foot,.aside-card,.mnav,.nav-dd .menu){--ivory:#F4EEE1;--muted:#D5D9DE;--muted-2:#AEB4BC;--muted-3:#8E959F;--muted-4:#707781;--line:#3E4654;--line-strong:#556070;--em-900-rgb:12 18 28;--em-950-rgb:8 12 20;--panel-rgb:20 28 42;color:#F4EEE1}
html[data-palette="ivory"] :is(.site-foot,.aside-card,.mnav,.nav-dd .menu){--em-950:#0A1426;--em-900:#0D1A30;--em-800:#10213A;--em-700:#152A48;--gold:#C9A96E;--gold-hi:#E6C980;--gold-pale:#F4E2B0;--gold-hi-rgb:230 201 128;--gold-rgb:201 169 110}
html[data-palette="ivory"] .bg-ox{--ox:#10213A;--ox-900:#0A1426;--ox-glow:#1F3D66;--ox-rgb:16 33 58;--ox-900-rgb:10 20 38;--ox-text:#E6ECF5;--ox-muted:#B5C2D4;--gold:#C9A96E;--gold-hi:#E6C980;--gold-pale:#F4E2B0;--gold-hi-rgb:230 201 128}
html[data-palette="white"] :is(.site-foot,.aside-card,.mnav,.nav-dd .menu){--em-950:#0B0B0B;--em-900:#111111;--em-800:#161616;--em-700:#1E1E1E;--gold:#C9A96E;--gold-hi:#E6C980;--gold-pale:#F4E2B0;--gold-hi-rgb:230 201 128;--gold-rgb:201 169 110}
html[data-palette="white"] .bg-ox{--ox:#161616;--ox-900:#0B0B0B;--ox-glow:#2A2A2A;--ox-rgb:22 22 22;--ox-900-rgb:11 11 11;--ox-text:#EEEEEE;--ox-muted:#BDBDBD;--gold:#C9A96E;--gold-hi:#E6C980;--gold-pale:#F4E2B0;--gold-hi-rgb:230 201 128}
html[data-palette="royal"] :is(.site-foot,.aside-card,.mnav,.nav-dd .menu){--em-950:#08143A;--em-900:#0B1A47;--em-800:#0E1E4D;--em-700:#14296A;--gold:#C5CCD8;--gold-hi:#FFFFFF;--gold-pale:#FFFFFF;--gold-hi-rgb:255 255 255;--gold-rgb:197 204 216}
html[data-palette="royal"] .bg-ox{--ox:#1E3FB0;--ox-900:#0E1E4D;--ox-glow:#3E63E0;--ox-rgb:30 63 176;--ox-900-rgb:14 30 77;--ox-text:#F2F5FF;--ox-muted:#C9D4F5;--gold:#C5CCD8;--gold-hi:#FFFFFF;--gold-pale:#FFFFFF;--gold-hi-rgb:255 255 255}
html[data-palette="sand"] :is(.site-foot,.aside-card,.mnav,.nav-dd .menu){--em-950:#1C1916;--em-900:#22201C;--em-800:#26231F;--em-700:#302C27;--gold:#D29466;--gold-hi:#E5AE82;--gold-pale:#F2CDA6;--gold-hi-rgb:229 174 130;--gold-rgb:210 148 102}
html[data-palette="sand"] .bg-ox{--ox:#26231F;--ox-900:#1C1916;--ox-glow:#3A342D;--ox-rgb:38 35 31;--ox-900-rgb:28 25 22;--ox-text:#F1E9DD;--ox-muted:#C9BDAD;--gold:#D29466;--gold-hi:#E5AE82;--gold-pale:#F2CDA6;--gold-hi-rgb:229 174 130}
html.light .site-foot{background:var(--em-950)}
html.light .btn-dark{background:#151515;color:#F4EEE1}
html[data-palette="ivory"] .btn-dark{background:#10213A;color:#E6C980}
html[data-palette="royal"] .btn-dark{background:#0E1E4D;color:#fff}
html.light .btn-g{border-color:var(--line-strong)}
html.light .card{box-shadow:0 10px 30px rgba(20,20,30,.06)}
html.light .rays,html.light .rays2{opacity:.6}
html.light .dust{background:var(--gold);box-shadow:0 0 6px 1px rgb(var(--gold-rgb) / .5)}
html.light .blade[aria-pressed="false"]{background:linear-gradient(180deg,#FFFFFF,var(--em-700))}
html.light .hub{box-shadow:0 0 0 8px var(--em-950),0 0 0 9px var(--gold)}
html.light .h-hero .strike{color:var(--muted-4)}
html.light .fab-a11y .fab-btn{background:var(--em-900);border-color:var(--gold)}
html.light .pal{background:rgba(20,22,28,.92)}
html.light .pal button{color:#F4EEE1}

/* ================= SIGNATURE PALETTES ================= */
html[data-palette="privatebank"]{--em-950:#070F1C;--em-920:#081120;--em-900:#0A1426;--em-850:#0C182C;--em-800:#0E1B31;--em-700:#13243F;--em-650:#162A48;--em-600:#1A3152;--em-550:#1F385C;--em-500:#253F66;--line:#2F3E57;--line-strong:#43546F;--muted:#CBD3DF;--muted-2:#A0ABBC;--muted-3:#8591A4;--muted-4:#6A7588;
 --em-950-rgb:7 15 28;--em-900-rgb:10 20 38;--em-800-rgb:14 27 49;--em-700-rgb:19 36 63;--panel-rgb:22 42 72;
 --gold:#B08D57;--gold-hi:#CDAE7A;--gold-pale:#EADBC0;--gold-deep:#8C6E40;--g-1:#9C7B4A;--g-2:#C6A56F;--gold-hi-rgb:205 174 122;--gold-pale-rgb:234 219 192;--gold-rgb:176 141 87;--gold-deep-rgb:140 110 64;
 --ox:#1B2A40;--ox-900:#0E1828;--ox-glow:#2C4466;--ox-rgb:27 42 64;--ox-900-rgb:14 24 40;--ox-text:#E3E9F2;--ox-muted:#AEBBCD}
html[data-palette="maison"]{--em-950:#0C0A09;--em-920:#0E0C0B;--em-900:#110F0E;--em-850:#141211;--em-800:#171514;--em-700:#1E1B19;--em-650:#24201E;--em-600:#2A2623;--em-550:#312C29;--em-500:#3A3430;--line:#3F3832;--line-strong:#5A5148;--muted:#DDD5CB;--muted-2:#B3AA9F;--muted-3:#958C82;--muted-4:#766E66;
 --em-950-rgb:12 10 9;--em-900-rgb:17 15 14;--em-800-rgb:23 21 20;--em-700-rgb:30 27 25;--panel-rgb:36 32 30;
 --gold:#C9B08A;--gold-hi:#DCC6A2;--gold-pale:#F0E4CF;--gold-deep:#A58B65;--g-1:#B59B74;--g-2:#D7C09C;--gold-hi-rgb:220 198 162;--gold-pale-rgb:240 228 207;--gold-rgb:201 176 138;--gold-deep-rgb:165 139 101;
 --ox:#2A211C;--ox-900:#1A1411;--ox-glow:#3D3029;--ox-rgb:42 33 28;--ox-900-rgb:26 20 17;--ox-text:#EFE6DA;--ox-muted:#C4B6A6}
html[data-palette="atelier"]{--em-950:#FAF8F4;--em-920:#F5F2EC;--em-900:#FFFFFF;--em-850:#F1EDE5;--em-800:#F7F4EE;--em-700:#EFEAE0;--em-650:#E9E2D6;--em-600:#E2DACB;--em-550:#DAD0BF;--em-500:#ECE5D8;
 --line:#DCD3C3;--line-strong:#C4B79F;--ivory:#1B1B1F;--muted:#34343A;--muted-2:#55555C;--muted-3:#707077;--muted-4:#909097;
 --em-950-rgb:250 248 244;--em-900-rgb:255 255 255;--em-800-rgb:247 244 238;--em-700-rgb:239 234 224;--panel-rgb:255 255 255;
 --gold:#9C7A3C;--gold-hi:#86672E;--gold-pale:#5E4719;--gold-deep:#735827;--g-1:#A9874A;--g-2:#CDB079;--gold-hi-rgb:134 103 46;--gold-pale-rgb:94 71 25;--gold-rgb:156 122 60;--on-gold:#16120A;color-scheme:light}
html[data-palette="atelier"] :is(.site-foot,.aside-card,.mnav,.nav-dd .menu){--em-950:#101217;--em-900:#14161C;--em-800:#181B22;--em-700:#20242D;--gold:#C2A06A;--gold-hi:#D9BC88;--gold-pale:#EFDDBA;--gold-hi-rgb:217 188 136;--gold-rgb:194 160 106}
html[data-palette="atelier"] .bg-ox{--ox:#181B22;--ox-900:#101217;--ox-glow:#2A2F3A;--ox-rgb:24 27 34;--ox-900-rgb:16 18 23;--ox-text:#ECEAE5;--ox-muted:#BAB7B0;--gold:#C2A06A;--gold-hi:#D9BC88;--gold-pale:#EFDDBA;--gold-hi-rgb:217 188 136}
html[data-palette="atelier"] .btn-dark{background:#14161C;color:#D9BC88}

/* ================= REFINED EFFECTS ("יוקרה שקטה") ================= */
html.fx-refined body::after{content:"";position:fixed;inset:0;pointer-events:none;z-index:400;opacity:.06;mix-blend-mode:overlay;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
html.fx-refined .bg-hero{background-size:140% 140%,100% 100%,100% 100%;animation:ambient 24s ease-in-out infinite alternate}
@keyframes ambient{from{background-position:0% 40%,0 0,0 0}to{background-position:100% 60%,0 0,0 0}}
/* reveal: transform-only so content is always visible */
html.fx-refined .rv{transform:translateY(22px);transition:transform 1.1s cubic-bezier(.2,.8,.2,1)}
html.fx-refined .rv.in{transform:none}
/* gold hairline under section headings */
html.fx-refined .sec-head{position:relative;padding-bottom:26px}
html.fx-refined .sec-head::after{content:"";position:absolute;bottom:0;inset-inline-start:0;width:120px;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent);transform:scaleX(0);transform-origin:right;transition:transform 1.4s cubic-bezier(.7,0,.2,1) .2s}
html.fx-refined .sec-head.c::after{inset-inline-start:50%;margin-inline-start:-60px;transform-origin:center}
html.fx-refined .sec-head.in::after{transform:scaleX(1)}
/* gilded border on hover */
html.fx-refined .card{transition:border-color .5s,box-shadow .5s,transform .5s}
html.fx-refined .card:hover{border-color:rgb(var(--gold-hi-rgb) / .55);box-shadow:0 0 0 1px rgb(var(--gold-hi-rgb) / .15),0 24px 50px rgba(0,0,0,.28);transform:translateY(-3px)}
/* button sheen */
html.fx-refined .btn{position:relative;overflow:hidden}
html.fx-refined .btn::after{content:"";position:absolute;top:0;bottom:0;width:40%;left:-60%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.35),transparent);transform:skewX(-20deg);transition:left .9s ease}
html.fx-refined .btn:hover::after{left:130%}
/* fan tilt */
html.fx-refined .fan{transition:transform .8s cubic-bezier(.2,.8,.2,1);transform-style:preserve-3d}
html.fx-refined .h-hero{letter-spacing:-.025em}
html.a11y-nomotion .rv,html.a11y-nomotion .fan{transform:none!important}
@media (prefers-reduced-motion:reduce){html.fx-refined .rv{transform:none}html.fx-refined .bg-hero{animation:none}}
.pal hr{border:0;border-top:1px solid rgba(255,255,255,.15);margin:4px 0}
.pal .grp{font-size:.7rem;color:#AEB4BC;letter-spacing:.1em}

/* ---------- bank wheel: two counter-rotating rings (banks outside, non-banks inside) (v11) ---------- */
.wheel{--R:clamp(140px,30vw,265px);--s:clamp(58px,8.4vw,92px);--Ri:calc(var(--R) * .56);--si:calc(var(--s) * .86);position:relative;width:calc(var(--R) * 2 + var(--s));max-width:100%;aspect-ratio:1;margin:8px auto 0}
.wheel::before{content:"";position:absolute;inset:calc(var(--s) / 2);border-radius:50%;border:1px solid rgb(var(--gold-hi-rgb) / .24);box-shadow:0 0 0 14px rgb(var(--gold-hi-rgb) / .03),inset 0 0 80px rgb(var(--gold-hi-rgb) / .05)}
.wheel::after{content:"";position:absolute;left:50%;top:50%;width:calc(var(--Ri) * 2);height:calc(var(--Ri) * 2);transform:translate(-50%,-50%);border-radius:50%;border:1px dashed rgb(var(--gold-hi-rgb) / .2)}
.wheel-ring{list-style:none;margin:0;padding:0;position:absolute;inset:0;animation:wheelSpin 70s linear infinite;z-index:1}
.ring-in{animation-direction:reverse;animation-duration:55s}
.wheel:hover .wheel-ring,.wheel:hover .bank-logo,.wheel:focus-within .wheel-ring,.wheel:focus-within .bank-logo{animation-play-state:paused}
.wheel .bank{--r:var(--R);--sz:var(--s);position:absolute;top:50%;left:50%;width:var(--sz);height:var(--sz);margin:calc(var(--sz) / -2) 0 0 calc(var(--sz) / -2);padding:0!important;background:none!important;border:0!important;box-shadow:none!important;aspect-ratio:1!important;flex:none!important;transition:none!important;transform:rotate(calc(360deg / var(--n) * var(--i))) translateY(calc(var(--r) * -1)) rotate(calc(-360deg / var(--n) * var(--i)))!important}
.ring-in .bank{--r:var(--Ri);--sz:var(--si)}
.wheel .bank-logo{width:100%;height:100%;border-radius:50%;overflow:hidden;display:grid;place-items:center;background:radial-gradient(circle at 35% 30%,rgb(var(--gold-hi-rgb) / .12),rgb(var(--gold-hi-rgb) / .03) 70%);border:1px solid rgb(var(--gold-hi-rgb) / .32);box-shadow:0 10px 26px rgba(0,0,0,.3),inset 0 1px 0 rgb(255 255 255 / .06);animation:wheelSpin 70s linear infinite reverse;transition:border-color .3s,box-shadow .3s,transform .3s}
.ring-in .bank-logo{animation:wheelSpin 55s linear infinite}
.wheel .bank:hover .bank-logo{border-color:var(--gold-hi);box-shadow:0 0 26px rgb(var(--gold-hi-rgb) / .45)}
.wheel .bank img{max-width:84%;max-height:58%;width:auto;height:auto;object-fit:contain;border-radius:0;filter:none;opacity:1}
.wheel .b-discount{background:#68B688}.wheel .b-fibi{background:#1D254C}
.wheel .b-discount img,.wheel .b-fibi img{max-width:92%;max-height:70%}
.wheel .b-leumi img,.wheel .b-hapoalim img,.wheel .b-pama img{max-width:60%;max-height:60%;border-radius:8px}
.wheel .b-mimun-yashir img{max-width:84%}
.wheel .b-mercantile img,.wheel .b-clal img,.wheel .b-jerusalem img{max-width:84%}
.wheel .bank img.on-light{display:none}
html.light .wheel .bank img.on-dark{display:none}html.light .wheel .bank img.on-light{display:block}
.wheel-core{position:absolute;inset:0;display:grid;place-content:center;text-align:center;gap:4px;pointer-events:none;z-index:0}
.wc-n{font-size:clamp(2rem,5vw,3.6rem);line-height:1;color:var(--gold-hi);font-weight:300}
.wc-t{font-size:clamp(.72rem,1.5vw,.95rem);letter-spacing:.08em;color:var(--ivory)}
.wc-s{font-size:clamp(.6rem,1.1vw,.74rem);letter-spacing:.06em;color:var(--muted-2)}
@keyframes wheelSpin{to{transform:rotate(360deg)}}
@media (prefers-reduced-motion:reduce){.wheel-ring,.wheel .bank-logo{animation:none}}
html.a11y-nomotion .wheel-ring,html.a11y-nomotion .wheel .bank-logo{animation:none}
@media (max-width:480px){.wc-s{display:none}.wheel{--R:calc((100vw - 32px - var(--s)) / 2);--s:56px}}

/* ---------- yearly average mortgage rates strip (v9) ---------- */
.yr-card{margin-top:20px;padding:34px 40px;gap:22px}
.yr-t{font-family:var(--f-display);font-weight:500;font-size:clamp(1.3rem,2.4vw,1.75rem);margin:6px 0 4px}
.yr-sub{color:var(--muted-2);font-size:.92rem;margin:0}
.yr-bars{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:clamp(8px,2vw,22px);align-items:end;height:220px}
.yr{all:unset;box-sizing:border-box;cursor:pointer;height:100%;display:grid;grid-template-rows:auto 1fr auto;justify-items:center;gap:8px;border-radius:12px;padding:6px 4px;transition:background .3s}
.yr:hover,.yr:focus-visible{background:rgb(var(--gold-hi-rgb) / .06)}
.yr:focus-visible{outline:2px solid var(--gold-hi);outline-offset:2px}
.yr-bar{align-self:end;width:min(46px,70%);height:var(--h);min-height:12px;border-radius:10px 10px 3px 3px;background:linear-gradient(180deg,var(--gold-hi),var(--gold-deep));box-shadow:0 8px 22px rgb(var(--gold-hi-rgb) / .18);transition:filter .3s,transform .3s;transform-origin:bottom}
.yr-part .yr-bar{background:repeating-linear-gradient(135deg,var(--gold-hi) 0 6px,var(--gold-deep) 6px 12px);opacity:.85}
.yr:hover .yr-bar{filter:brightness(1.12)}
.yr.on .yr-bar{box-shadow:0 0 0 2px var(--ivory),0 0 28px rgb(var(--gold-hi-rgb) / .5)}
.yr-v{font-size:clamp(.82rem,1.6vw,1.05rem);font-weight:600;color:var(--gold-hi)}
.yr-y{font-size:.9rem;letter-spacing:.08em;display:grid;text-align:center;line-height:1.2}.yr-y small{font-size:.66rem;color:var(--muted-2);letter-spacing:0}
.yr-src{font-size:.76rem;color:var(--muted-3);margin:0;line-height:1.6}.yr-src a{color:inherit;text-decoration:underline}
@media (max-width:640px){.yr-card{padding:24px 18px}.yr-bars{height:180px}}

/* ---------- smooth + fast (v9) ---------- */
html{scroll-padding-top:16px;-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{overflow-x:clip}
img{max-width:100%;height:auto}
a,button,.btn,.chip,.yr,.blade{touch-action:manipulation;-webkit-tap-highlight-color:transparent}
.site-foot,.post-card,.testi{content-visibility:auto;contain-intrinsic-size:auto 420px}

/* ---------- smart purchase-tax calculator (v10) ---------- */
.pt{gap:18px;padding:clamp(22px,4vw,44px);border-color:rgb(var(--gold-hi-rgb) / .45);box-shadow:0 0 0 1px rgb(var(--gold-hi-rgb) / .08),0 30px 80px rgba(0,0,0,.3)}
.pt-top{display:flex;flex-wrap:wrap;gap:10px;justify-content:space-between;align-items:center}
.pt-badge{font-size:.74rem;letter-spacing:.08em;padding:6px 12px;border-radius:999px;border:1px solid rgb(var(--gold-hi-rgb) / .4);color:var(--gold-hi)}
.pt-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:clamp(18px,3vw,36px);align-items:start}
.pt-in{display:flex;flex-direction:column;gap:18px}
.pt-price-box{display:inline-flex;align-items:center;gap:6px;border-bottom:1px solid var(--gold);padding-bottom:2px;font-family:var(--f-num);font-size:1.5rem;color:var(--gold-hi)}
.pt-price-box input{all:unset;width:8.5ch;text-align:left;direction:ltr;font:inherit;color:inherit}
.pt-price-box:focus-within{border-color:var(--gold-hi);box-shadow:0 2px 0 var(--gold-hi)}
.pt-hint{font-size:.8rem;color:var(--muted-2);margin:-8px 0 0}
.pt-fs{border:0;padding:0;margin:0;display:flex;flex-direction:column;gap:10px}
.pt-fs legend{font-size:.85rem;letter-spacing:.06em;color:var(--muted);margin-bottom:10px;padding:0}
.pt-chips{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.pt-chip{position:relative;cursor:pointer}
.pt-chip input{position:absolute;opacity:0;inset:0;cursor:pointer}
.pt-chip>span{display:flex;flex-direction:column;gap:2px;min-height:52px;justify-content:center;padding:10px 14px;border:1px solid var(--line);border-radius:14px;transition:border-color .25s,background .25s,box-shadow .25s}
.pt-chip b{font-weight:500;font-size:.95rem}.pt-chip small{font-size:.72rem;color:var(--muted-2)}
.pt-chip:hover>span{border-color:var(--line-strong)}
.pt-chip input:checked+span{border-color:var(--gold-hi);background:rgb(var(--gold-hi-rgb) / .09);box-shadow:inset 0 0 0 1px var(--gold-hi)}
.pt-chip input:checked+span b{color:var(--gold-hi)}
.pt-chip input:focus-visible+span{outline:2px solid var(--gold-hi);outline-offset:2px}
.pt-row2{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px}
.pt-field{width:100%;min-height:46px;padding:0 12px;border-radius:12px;border:1px solid var(--line);background:rgb(var(--gold-hi-rgb) / .04);color:inherit;font:inherit;color-scheme:dark}
html.light .pt-field{color-scheme:light}
.pt-more{border:1px solid var(--line);border-radius:14px;padding:12px 16px}
.pt-more summary{cursor:pointer;font-size:.9rem;color:var(--muted)}
.pt-more[open]{display:flex;flex-direction:column;gap:14px}
.pt-tog{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;cursor:pointer;line-height:1.5}
.pt-tog input{width:18px;height:18px;margin-top:3px;accent-color:var(--gold)}
.pt-two-box{display:flex;flex-direction:column;gap:14px}
.pt-out{display:flex;flex-direction:column;gap:14px}
.pt-res{padding:clamp(20px,3vw,32px);gap:14px}
.pt-lbl{font-size:.8rem;letter-spacing:.2em;font-weight:500}
.pt-res .result-big{font-size:clamp(2.6rem,5.4vw,4.6rem)}
.pt-mini{display:grid;grid-template-columns:1fr 1fr;gap:12px;border-top:1px solid rgba(0,0,0,.25);padding-top:12px}
.pt-mini span{font-size:.8rem;display:block}.pt-mini b{font-family:var(--f-num);font-size:1.35rem;font-weight:500}
.pt-cmp{margin:0;font-size:.9rem;line-height:1.55}.pt-cmp:empty{display:none}
.pt-table-w{overflow-x:auto;border:1px solid var(--line);border-radius:14px}
.pt-table{width:100%;border-collapse:collapse;font-size:.86rem}
.pt-table caption{text-align:right;padding:12px 14px 4px;font-size:.8rem;color:var(--muted-2);caption-side:top}
.pt-table th,.pt-table td{padding:9px 14px;text-align:right;border-bottom:1px solid var(--line);white-space:nowrap}
.pt-table th{font-weight:500;color:var(--muted-2);font-size:.76rem;letter-spacing:.06em}
.pt-table td{font-family:var(--f-num)}
.pt-table tr.off td{opacity:.38}
.pt-table tr.hit td:last-child{color:var(--gold-hi)}
.pt-table tfoot td{font-weight:600;border-bottom:0;color:var(--gold-hi)}
.pt-cash{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.pt-cash>div{border:1px solid var(--line);border-radius:14px;padding:12px 14px;display:flex;flex-direction:column;gap:2px}
.pt-cash span{font-size:.78rem;color:var(--muted-2)}.pt-cash b{font-family:var(--f-num);font-size:1.25rem;font-weight:500}
.pt-cash small{font-size:.7rem;color:var(--muted-3)}
.pt-cash-t{grid-column:1/-1;border-color:rgb(var(--gold-hi-rgb) / .5)!important;background:rgb(var(--gold-hi-rgb) / .06)}
.pt-cash-t b{color:var(--gold-hi);font-size:1.6rem}
.pt-dates{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.pt-dates li{display:flex;gap:10px;align-items:baseline;font-size:.88rem;line-height:1.5}
.pt-dates li::before{content:"";flex:none;width:8px;height:8px;border:1px solid var(--gold);transform:rotate(45deg) translateY(-1px)}
.pt-dates li b{font-family:var(--f-num);color:var(--gold-hi);font-weight:500}
.pt-dates li.warn::before{background:var(--gold)}
.pt-tips{border-right:2px solid var(--gold);padding:4px 16px 4px 0}
.pt-tips-h{font-size:.78rem;letter-spacing:.14em;color:var(--gold-hi)}
.pt-tips ul{margin:8px 0 0;padding-inline-start:18px;display:flex;flex-direction:column;gap:8px;font-size:.88rem;line-height:1.6;color:var(--muted)}
.pt-tips b{color:var(--ivory);font-weight:500}
html.light .pt-tips b{color:var(--ink)}
.pt-cta{align-self:flex-start}
.pt-src{font-size:.74rem;color:var(--muted-3);line-height:1.6;margin:0}.pt-src a{color:inherit}
@media (max-width:860px){.pt-grid{grid-template-columns:1fr}}
@media (max-width:420px){.pt-chips{grid-template-columns:1fr 1fr}.pt-chip>span{padding:9px 10px}.pt-table th,.pt-table td{padding:8px 9px}}
.pt,.pt-grid>*,.pt-in,.pt-out,.pt-fs,.pt-chips>*{min-width:0}
.pt-price-box{font-size:clamp(1.2rem,4.5vw,1.5rem)}
@media (max-width:420px){.pt-table{font-size:.76rem}.pt-res .result-big{font-size:2.4rem}}
@media (max-width:420px){.pt-table th:nth-child(3),.pt-table td:nth-child(3){display:none}}

/* ---------- Tamir photos (v15) ---------- */
img.avatar{display:block;object-fit:cover;object-position:50% 22%;padding:0;background:var(--em-850)}
.byline{display:inline-flex;align-items:center}.byline img.avatar{width:34px;height:34px;box-shadow:0 0 0 1px var(--em-800),0 0 0 2px var(--gold)}
.personal-grid{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,.9fr);gap:clamp(28px,5vw,72px);align-items:center}
.portrait{margin:0;display:flex;flex-direction:column;gap:14px}
.portrait-frame{position:relative;display:block;border-radius:220px 220px 18px 18px;overflow:hidden;aspect-ratio:4/4.6;background:#141414;box-shadow:0 30px 70px rgba(0,0,0,.35),0 0 0 1px rgb(var(--gold-rgb) / .5);isolation:isolate}
.portrait-frame::after{content:"";position:absolute;inset:10px;border-radius:212px 212px 12px 12px;border:1px solid rgb(var(--gold-hi-rgb) / .55);pointer-events:none}
.portrait-frame::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 60%,rgba(7,15,28,.45));z-index:1;pointer-events:none}
.portrait-frame img{width:100%;height:100%;object-fit:cover;object-position:50% 18%;display:block;filter:saturate(.92) contrast(1.03)}
.portrait figcaption{display:flex;flex-direction:column;gap:2px;text-align:center}
.portrait figcaption b{font-family:var(--f-display);font-weight:500;font-size:1.2rem}
.portrait figcaption span{font-size:.85rem;color:var(--muted-2)}
.portrait-home{max-width:420px;justify-self:center;width:100%}
.portrait-about{float:left;width:min(300px,42%);margin:6px 28px 18px 0}
.portrait-about figcaption span{color:var(--ink-soft)}
@media (max-width:860px){.personal-grid{grid-template-columns:1fr}.portrait-home{max-width:300px;order:-1}}
@media (max-width:620px){.portrait-about{float:none;width:min(280px,80%);margin:0 auto 24px}}

/* v16: Private Bank = full dramatic effects (rays, sweep, gold dust, fan glow) + refined extras */