@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;800;900&family=Heebo:wght@300;400;500;600;700;800;900&family=Rubik:wght@300;400;500;600;700&family=DM+Mono:wght@400;500&display=swap');

/* ═══════════════════════════════════════════════════════════════
   DESIGN SYSTEM — מניפה פיננסית
   ═══════════════════════════════════════════════════════════════ */
:root {
  /* Warm "private bank" palette — refined charcoal + cream + gold */
  --navy: #2E363F;          /* warm charcoal — less blue, more sophisticated */
  --navy-deep: #1F262D;
  --navy-light: #4E5A66;
  --navy-50: #F4F2EE;
  --navy-100: #E5E1D8;

  /* Refined gold — warm bronze undertone */
  --gold: #B89259;
  --gold-light: #D0B07F;
  --gold-soft: #F2E7CC;
  --gold-deep: #957237;

  /* Calculator accent colors — refined, less saturated */
  --turquoise: #6FAFA6;
  --turquoise-soft: #ECF4F2;
  --blue: #6A89B5;
  --blue-soft: #ECF0F6;
  --green: #7AB892;
  --green-soft: #EEF5F0;
  --red: #C97878;
  --red-soft: #F6EAEA;
  --copper: #C19068;
  --copper-soft: #F4EADE;
  --purple: #9B8AB8;
  --purple-soft: #EFEBF4;

  /* Backgrounds — warm ivory */
  --bg: #FAF6EE;
  --bg-warm: #F2ECDD;
  --surface: #FFFFFF;

  /* Text — refined */
  --charcoal: #232932;
  --gray: #5C6068;
  --gray-light: #9A9A98;
  --gray-soft: #E6E1D5;

  /* Status */
  --emerald: #7AB892;
  --emerald-light: #94CCAA;
  --white: #FFFFFF;

  --font-display: 'Playfair Display', 'Heebo', serif;
  --font-heading: 'Heebo', system-ui, sans-serif;
  --font-body: 'Rubik', 'Heebo', system-ui, sans-serif;
  --font-mono: 'DM Mono', 'Courier New', monospace;

  --shadow-sm: 0 1px 3px rgba(46, 54, 63, 0.04), 0 1px 2px rgba(46, 54, 63, 0.05);
  --shadow-md: 0 4px 14px rgba(46, 54, 63, 0.05), 0 2px 4px rgba(46, 54, 63, 0.03);
  --shadow-lg: 0 12px 32px rgba(46, 54, 63, 0.07);
  --shadow-xl: 0 22px 55px rgba(46, 54, 63, 0.09);
  --shadow-gold: 0 8px 22px rgba(184, 146, 89, 0.22);

  /* Accessibility */
  --focus-ring: 0 0 0 3px rgba(74, 123, 200, 0.4);

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-xl: 32px;

  --transition: 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-fast: 0.25s cubic-bezier(0.4, 0, 0.2, 1);

  --container: 1280px;
  --container-narrow: 1080px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 17px;
  line-height: 1.7;
  color: var(--charcoal);
  background: var(--bg);
  direction: rtl;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

::selection { background: var(--gold); color: var(--navy); }

/* ═══════════════════════════════════════════════════════════════
   ACCESSIBILITY
   ═══════════════════════════════════════════════════════════════ */
.sr-only {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  top: -100px;
  right: 1rem;
  z-index: 9999;
  background: var(--navy);
  color: var(--white);
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius-sm);
  font-weight: 600;
  text-decoration: none;
  transition: top 0.2s ease;
}
.skip-link:focus { top: 1rem; outline: 3px solid var(--gold); }

a:focus-visible, button:focus-visible, input:focus-visible, [tabindex]:focus-visible {
  outline: none;
  box-shadow: var(--focus-ring);
  border-radius: 6px;
}

@media (prefers-contrast: more) {
  :root {
    --gray: #2A3441;
    --gray-light: #4A5667;
  }
}

/* ═══════════════════════════════════════════════════════════════
   TYPOGRAPHY
   ═══════════════════════════════════════════════════════════════ */
h1, h2, h3, h4 {
  font-family: var(--font-heading);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--navy);
}

h1 { font-size: clamp(2.5rem, 5.5vw, 4.5rem); font-weight: 900; }
h2 { font-size: clamp(2rem, 4vw, 3.25rem); }
h3 { font-size: clamp(1.35rem, 2vw, 1.65rem); }
h4 { font-size: 1.15rem; font-weight: 700; }

.eyebrow {
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.25rem;
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
}
.eyebrow::before {
  content: '';
  width: 28px; height: 2px;
  background: var(--gold);
}

.lead {
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  color: var(--gray);
  line-height: 1.7;
  max-width: 620px;
}

.num-display {
  font-family: var(--font-mono);
  font-feature-settings: 'tnum';
  letter-spacing: -0.04em;
}

/* ═══════════════════════════════════════════════════════════════
   LAYOUT
   ═══════════════════════════════════════════════════════════════ */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 clamp(1.25rem, 3vw, 2.5rem);
}
.container-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 clamp(1.25rem, 3vw, 2.5rem); }

section { padding: clamp(4rem, 8vw, 7rem) 0; position: relative; }

/* ═══════════════════════════════════════════════════════════════
   BUTTONS
   ═══════════════════════════════════════════════════════════════ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.6rem;
  padding: 1.05rem 2rem;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1rem;
  border-radius: 999px;
  transition: all var(--transition);
  cursor: pointer;
  white-space: nowrap;
  position: relative;
  overflow: hidden;
  border: 2px solid transparent;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy);
  box-shadow: var(--shadow-gold);
}
.btn-primary::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 100%);
  opacity: 0;
  transition: opacity var(--transition);
}
.btn-primary > * { position: relative; z-index: 1; }
.btn-primary:hover {
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 18px 50px rgba(184, 146, 89, 0.55);
}
.btn-primary:hover::before { opacity: 1; }

.btn-secondary {
  background: transparent;
  color: var(--navy);
  border: 2px solid var(--navy);
}
.btn-secondary:hover {
  background: var(--navy);
  color: var(--white);
  transform: translateY(-3px);
}

.btn-ghost {
  color: var(--white);
  border: 2px solid rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(10px);
  background: rgba(255, 255, 255, 0.05);
}
.btn-ghost:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-3px);
}

.btn-large { padding: 1.25rem 2.5rem; font-size: 1.1rem; }

/* ═══════════════════════════════════════════════════════════════
   1. STICKY NAVBAR
   ═══════════════════════════════════════════════════════════════ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 1.25rem 0;
  transition: all var(--transition);
}
.navbar.scrolled {
  background: rgba(250, 249, 247, 0.85);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  box-shadow: var(--shadow-sm);
  padding: 0.8rem 0;
}

.nav-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 clamp(1.25rem, 3vw, 2.5rem);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--navy);
  letter-spacing: -0.01em;
}
.logo-mark {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--gold);
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.2rem;
  box-shadow: 0 4px 14px rgba(46, 54, 63, 0.25);
  position: relative;
}
.logo-mark::after {
  content: '';
  position: absolute;
  inset: -3px;
  border-radius: 50%;
  border: 1px solid var(--gold);
  opacity: 0.4;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-text small {
  font-size: 0.7rem;
  font-family: var(--font-heading);
  font-weight: 500;
  color: var(--gold);
  letter-spacing: 0.2em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  gap: 2.25rem;
  list-style: none;
}
.nav-links a {
  font-family: var(--font-heading);
  font-weight: 500;
  font-size: 0.97rem;
  color: var(--charcoal);
  position: relative;
  padding: 0.4rem 0;
  transition: color var(--transition-fast);
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 0;
  right: 0;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width var(--transition);
}
.nav-links a:hover { color: var(--navy); }
.nav-links a:hover::after { width: 100%; }

.nav-actions {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.nav-phone {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-family: var(--font-mono);
  font-weight: 500;
  font-size: 0.95rem;
  color: var(--navy);
  padding: 0.5rem 0.9rem;
  border-radius: 999px;
  transition: all var(--transition-fast);
}
.nav-phone:hover { background: rgba(184, 146, 89, 0.12); color: var(--navy); }
.nav-phone svg { width: 16px; height: 16px; color: var(--gold); }

.nav-cta {
  padding: 0.75rem 1.5rem;
  font-size: 0.95rem;
}

.menu-toggle {
  display: none;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  align-items: center;
  justify-content: center;
}

/* ═══════════════════════════════════════════════════════════════
   2. HERO SECTION
   ═══════════════════════════════════════════════════════════════ */
.hero {
  min-height: 100vh;
  padding: 8rem 0 4rem;
  position: relative;
  background:
    radial-gradient(ellipse at 82% 18%, rgba(208, 176, 127, 0.28) 0%, transparent 55%),
    radial-gradient(ellipse at 15% 88%, rgba(208, 176, 127, 0.10) 0%, transparent 50%),
    linear-gradient(135deg, #353C44 0%, #424A53 50%, #545D68 100%);
  color: var(--white);
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(circle at 90% 10%, rgba(255, 250, 240, 0.10) 0%, transparent 40%),
    radial-gradient(circle at 10% 95%, rgba(184, 146, 89, 0.14) 0%, transparent 45%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120' viewBox='0 0 120 120'%3E%3Cg fill='none' stroke='%23C9A84C' stroke-width='0.5' opacity='0.12'%3E%3Cpath d='M60 0 L120 60 L60 120 L0 60 Z'/%3E%3Cpath d='M60 20 L100 60 L60 100 L20 60 Z'/%3E%3Cpath d='M60 40 L80 60 L60 80 L40 60 Z'/%3E%3C/g%3E%3C/svg%3E");
  background-size: 200px;
  opacity: 0.5;
  pointer-events: none;
}

.hero-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 4rem;
  align-items: center;
  width: 100%;
}

.hero-content { max-width: 640px; }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.5rem 1.1rem;
  background: rgba(184, 146, 89, 0.12);
  border: 1px solid rgba(184, 146, 89, 0.35);
  border-radius: 999px;
  font-family: var(--font-heading);
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--gold-light);
  margin-bottom: 1.75rem;
  animation: fadeUp 0.9s ease-out;
}
.hero-badge .dot {
  width: 7px; height: 7px;
  background: var(--emerald-light);
  border-radius: 50%;
  box-shadow: 0 0 0 0 rgba(76, 175, 103, 0.7);
  animation: pulse-dot 2s infinite;
}

.hero h1 {
  color: var(--white);
  margin-bottom: 1.5rem;
  animation: fadeUp 1s ease-out 0.15s both;
}
.hero h1 .accent {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 600;
  color: var(--gold);
  display: block;
  font-size: 0.85em;
  margin-top: 0.25rem;
}

.hero-sub {
  font-size: clamp(1.1rem, 1.5vw, 1.3rem);
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.65;
  margin-bottom: 2.5rem;
  max-width: 560px;
  animation: fadeUp 1s ease-out 0.3s both;
}

.hero-ctas {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  animation: fadeUp 1s ease-out 0.45s both;
}

.hero-trust {
  margin-top: 3.5rem;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
  padding: 1.4rem 1.6rem;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-md);
  backdrop-filter: blur(10px);
  animation: fadeUp 1s ease-out 0.6s both;
}
.trust-item { text-align: center; }
.trust-item .icon { font-size: 1.4rem; margin-bottom: 0.35rem; }
.trust-item .val {
  font-family: var(--font-mono);
  font-weight: 500;
  font-size: 1.1rem;
  color: var(--gold-light);
  display: block;
  line-height: 1.1;
}
.trust-item .lbl {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.65);
  display: block;
  margin-top: 0.25rem;
}

/* Hero visual card */
.hero-visual {
  position: relative;
  animation: fadeUp 1.2s ease-out 0.4s both;
}

.advisor-card {
  position: relative;
  background: linear-gradient(160deg, rgba(255, 255, 255, 0.08) 0%, rgba(255, 255, 255, 0.03) 100%);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  box-shadow: var(--shadow-xl);
}
.advisor-card::before {
  content: '';
  position: absolute;
  top: -1px; right: -1px;
  width: 60%; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.advisor-avatar {
  width: 88px; height: 88px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  display: grid;
  place-items: center;
  margin-bottom: 1.25rem;
  font-family: var(--font-display);
  font-size: 2rem;
  font-weight: 700;
  color: var(--navy);
  position: relative;
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.25);
  border: 3px solid var(--gold-light);
}
.advisor-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: 50%;
  display: block;
}
.advisor-avatar::after {
  content: '✓';
  position: absolute;
  bottom: -2px; left: -2px;
  width: 28px; height: 28px;
  background: var(--emerald);
  border: 3px solid var(--navy);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 0.85rem;
  color: var(--white);
  font-family: var(--font-body);
}

.advisor-name {
  font-family: var(--font-heading);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 0.25rem;
}
.advisor-title {
  font-size: 0.95rem;
  color: var(--gold-light);
  margin-bottom: 1.5rem;
}

.advisor-stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}
.adv-stat .num {
  font-family: var(--font-mono);
  font-size: 1.5rem;
  font-weight: 500;
  color: var(--gold);
  display: block;
  letter-spacing: -0.03em;
}
.adv-stat .lab {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.7);
  margin-top: 0.15rem;
}

.advisor-quote {
  margin-top: 1.5rem;
  padding: 1rem 1.25rem;
  background: rgba(184, 146, 89, 0.08);
  border-right: 3px solid var(--gold);
  border-radius: var(--radius-sm);
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.6;
  font-style: italic;
}

.hero-decorator {
  position: absolute;
  top: -40px; left: -40px;
  width: 140px; height: 140px;
  border: 2px solid var(--gold);
  border-radius: 50%;
  opacity: 0.15;
  z-index: -1;
}
.hero-decorator-2 {
  position: absolute;
  bottom: -30px; right: -30px;
  width: 100px; height: 100px;
  background: linear-gradient(135deg, var(--gold) 0%, transparent 70%);
  border-radius: 30%;
  opacity: 0.2;
  z-index: -1;
  filter: blur(20px);
}

@keyframes pulse-dot {
  0%, 100% { box-shadow: 0 0 0 0 rgba(76, 175, 103, 0.7); }
  50% { box-shadow: 0 0 0 8px rgba(76, 175, 103, 0); }
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ═══════════════════════════════════════════════════════════════
   3. SOCIAL PROOF BAR
   ═══════════════════════════════════════════════════════════════ */
.proof-bar {
  background: var(--bg-warm);
  border-top: 1px solid var(--gray-soft);
  border-bottom: 1px solid var(--gray-soft);
  padding: 1.5rem 0;
  overflow: hidden;
  position: relative;
}
.proof-bar .proof-item { color: var(--gray); }
.proof-bar .proof-item:hover { color: var(--navy); }
.proof-bar::before, .proof-bar::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 120px;
  z-index: 2;
  pointer-events: none;
}
.proof-bar::before { right: 0; background: linear-gradient(-90deg, var(--bg-warm), transparent); }
.proof-bar::after { left: 0; background: linear-gradient(90deg, var(--bg-warm), transparent); }

.proof-track {
  display: flex;
  gap: 4rem;
  animation: scroll-x 35s linear infinite;
  width: max-content;
}
.proof-item {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  font-family: var(--font-heading);
  font-weight: 500;
  font-size: 1rem;
  color: rgba(255, 255, 255, 0.55);
  white-space: nowrap;
  transition: color var(--transition-fast);
}
.proof-item:hover { color: var(--gold); }
.proof-item svg { width: 22px; height: 22px; color: var(--gold); flex-shrink: 0; }

@keyframes scroll-x {
  from { transform: translateX(0); }
  to { transform: translateX(50%); }
}

/* ═══════════════════════════════════════════════════════════════
   4. SERVICES
   ═══════════════════════════════════════════════════════════════ */
.services { background: var(--bg); }

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 4rem;
}
.section-head .eyebrow { justify-content: center; }
.section-head .eyebrow::before, .section-head .eyebrow::after {
  content: '';
  width: 28px; height: 2px;
  background: var(--gold);
}
.section-head .eyebrow::before { display: inline-block; }
.section-head h2 { margin-bottom: 1rem; }
.section-head .lead { margin: 0 auto; }

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(265px, 1fr));
  gap: 1.5rem;
}

.service-card {
  position: relative;
  padding: 2.25rem 2rem;
  background: linear-gradient(160deg, rgba(255, 255, 255, 0.95) 0%, rgba(255, 255, 255, 0.7) 100%);
  border: 1px solid rgba(46, 54, 63, 0.06);
  border-radius: var(--radius-lg);
  backdrop-filter: blur(20px);
  transition: all var(--transition);
  overflow: hidden;
  cursor: pointer;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; right: 0;
  width: 100%; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--blue));
  transform: scaleX(0);
  transform-origin: right;
  transition: transform var(--transition);
}
.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(184, 146, 89, 0.3);
}
.service-card:hover::before { transform: scaleX(1); }

.svc-icon {
  width: 60px; height: 60px;
  border-radius: var(--radius-md);
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--gold);
  display: grid;
  place-items: center;
  margin-bottom: 1.5rem;
  transition: all var(--transition);
}
.svc-icon svg { width: 28px; height: 28px; }
.service-card:hover .svc-icon {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy);
  transform: rotate(-5deg) scale(1.05);
}

.service-card h3 { margin-bottom: 0.75rem; }
.service-card p {
  color: var(--gray);
  margin-bottom: 1.5rem;
  font-size: 0.97rem;
}

.svc-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-family: var(--font-heading);
  font-weight: 600;
  color: var(--navy);
  font-size: 0.95rem;
  transition: gap var(--transition-fast), color var(--transition-fast);
}
.svc-link:hover { color: var(--gold); gap: 0.7rem; }
.svc-link .arr { transition: transform var(--transition); }
.svc-link:hover .arr { transform: translateX(-4px); }

/* ═══════════════════════════════════════════════════════════════
   5. WHY US
   ═══════════════════════════════════════════════════════════════ */
.why-us {
  background: linear-gradient(180deg, var(--bg) 0%, var(--bg-warm) 100%);
  position: relative;
  overflow: hidden;
}
.why-us::before {
  content: '';
  position: absolute;
  top: -100px; left: -100px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(184, 146, 89, 0.08), transparent 70%);
  border-radius: 50%;
}

.why-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 5rem;
  align-items: center;
}

.why-left h2 { margin-bottom: 1.5rem; }
.why-left .accent-line {
  width: 60px; height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  border-radius: 2px;
  margin-bottom: 2rem;
}
.why-left p { color: var(--gray); font-size: 1.05rem; }

.stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-top: 2.5rem;
}
.stat-box {
  padding: 1.5rem;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  border-right: 4px solid var(--gold);
}
.stat-box .num {
  font-family: var(--font-mono);
  font-size: 2.5rem;
  font-weight: 500;
  color: var(--navy);
  letter-spacing: -0.04em;
  line-height: 1;
}
.stat-box .num .unit { font-size: 1.2rem; color: var(--gold); margin-right: 0.2rem; }
.stat-box .lab {
  font-size: 0.92rem;
  color: var(--gray);
  margin-top: 0.5rem;
}

.why-points { display: grid; gap: 1.5rem; }

.why-point {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1.25rem;
  padding: 1.75rem;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition);
  border: 1px solid rgba(46, 54, 63, 0.04);
}
.why-point:hover {
  transform: translateX(-8px);
  box-shadow: var(--shadow-md);
}
.why-point-num {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  font-style: italic;
}
.why-point h4 { margin-bottom: 0.4rem; color: var(--navy); }
.why-point p { color: var(--gray); font-size: 0.95rem; margin: 0; }

/* ═══════════════════════════════════════════════════════════════
   6. CALCULATOR (legacy — overridden by calc-hub)
   ═══════════════════════════════════════════════════════════════ */
.calculator {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 100%);
  color: var(--white);
  position: relative;
  overflow: hidden;
  display: none;
}
.calculator::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='80' height='80' viewBox='0 0 80 80'%3E%3Cpath fill='none' stroke='%23C9A84C' stroke-width='0.5' opacity='0.1' d='M0 40 L40 0 L80 40 L40 80 Z'/%3E%3C/svg%3E");
  background-size: 120px;
}

.calc-wrap {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 4rem;
  align-items: center;
}

.calc-info .eyebrow { color: var(--gold); }
.calc-info h2 { color: var(--white); margin-bottom: 1.5rem; }
.calc-info p { color: rgba(255, 255, 255, 0.75); margin-bottom: 2rem; font-size: 1.05rem; }

.calc-features { list-style: none; display: grid; gap: 0.8rem; }
.calc-features li {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: rgba(255, 255, 255, 0.85);
}
.calc-features li::before {
  content: '✓';
  width: 24px; height: 24px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-weight: 700;
  font-size: 0.8rem;
  flex-shrink: 0;
}

.calc-card {
  background: var(--white);
  color: var(--charcoal);
  padding: 2.5rem;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  position: relative;
}
.calc-card::before {
  content: '';
  position: absolute;
  top: -1px; right: 30%; left: 30%;
  height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
  border-radius: 0 0 4px 4px;
}

.calc-card h3 {
  margin-bottom: 0.4rem;
  display: flex;
  align-items: center;
  gap: 0.6rem;
}
.calc-card h3 svg { color: var(--gold); width: 24px; height: 24px; }
.calc-card > p {
  color: var(--gray);
  font-size: 0.92rem;
  margin-bottom: 1.75rem;
}

.input-group { margin-bottom: 1.5rem; }
.input-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--font-heading);
  font-weight: 500;
  font-size: 0.92rem;
  color: var(--navy);
  margin-bottom: 0.6rem;
}
.input-group label .val {
  font-family: var(--font-mono);
  font-weight: 500;
  color: var(--gold);
  background: rgba(184, 146, 89, 0.1);
  padding: 0.25rem 0.7rem;
  border-radius: 999px;
  font-size: 0.95rem;
}

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--gray-soft);
  border-radius: 999px;
  outline: none;
  direction: rtl;
  cursor: pointer;
}
input[type="range"]:focus-visible { box-shadow: var(--focus-ring); }
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: var(--shadow-md);
  transition: transform var(--transition-fast);
}
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.15); }
input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: var(--shadow-md);
}

.range-meta {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--gray-light);
  font-family: var(--font-mono);
  margin-top: 0.4rem;
}

.calc-result {
  margin: 2rem -1rem -1rem;
  padding: 1.75rem;
  background: linear-gradient(135deg, rgba(184, 146, 89, 0.08) 0%, rgba(79, 170, 123, 0.06) 100%);
  border: 1px solid rgba(184, 146, 89, 0.25);
  border-radius: var(--radius-md);
  text-align: center;
  position: relative;
}
.calc-result .label {
  font-size: 0.9rem;
  color: var(--gray);
  margin-bottom: 0.5rem;
}
.calc-result .amount {
  font-family: var(--font-mono);
  font-size: clamp(2rem, 4vw, 2.8rem);
  font-weight: 500;
  color: var(--emerald);
  letter-spacing: -0.04em;
  line-height: 1;
  transition: all 0.6s ease;
}
.calc-result .amount .currency { color: var(--gold); }
.calc-result .note {
  font-size: 0.82rem;
  color: var(--gray-light);
  margin-top: 0.75rem;
}

.calc-card .btn {
  width: 100%;
  margin-top: 1.5rem;
}

/* ═══════════════════════════════════════════════════════════════
   7. TESTIMONIALS
   ═══════════════════════════════════════════════════════════════ */
.testimonials { background: var(--bg); }

.testimonial-track {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

.testimonial {
  padding: 2.25rem 2rem;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(46, 54, 63, 0.04);
  position: relative;
  transition: all var(--transition);
}
.testimonial:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(184, 146, 89, 0.2);
}

.testimonial::before {
  content: '"';
  position: absolute;
  top: 1rem; left: 1.5rem;
  font-family: var(--font-display);
  font-size: 4.5rem;
  color: var(--gold);
  opacity: 0.25;
  line-height: 1;
}

.stars {
  display: flex;
  gap: 0.15rem;
  margin-bottom: 1rem;
  color: var(--gold);
}
.stars svg { width: 16px; height: 16px; }

.testimonial p {
  color: var(--charcoal);
  font-size: 1.02rem;
  line-height: 1.7;
  margin-bottom: 1.5rem;
  min-height: 5.5rem;
}

.testimonial-foot {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--gray-soft);
}
.t-avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: var(--gold);
  display: grid;
  place-items: center;
  font-family: var(--font-heading);
  font-weight: 700;
  flex-shrink: 0;
}
.t-info { flex: 1; min-width: 0; }
.t-name {
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--navy);
  font-size: 0.97rem;
}
.t-role { font-size: 0.83rem; color: var(--gray-light); }
.t-saved {
  font-family: var(--font-mono);
  font-size: 0.85rem;
  color: var(--emerald);
  font-weight: 500;
  padding: 0.3rem 0.7rem;
  background: rgba(79, 170, 123, 0.08);
  border-radius: 999px;
}

/* ═══════════════════════════════════════════════════════════════
   8. PROCESS
   ═══════════════════════════════════════════════════════════════ */
.process { background: var(--bg-warm); position: relative; overflow: hidden; }

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  position: relative;
}

.process-grid::before {
  content: '';
  position: absolute;
  top: 32px;
  right: 12%;
  left: 12%;
  height: 2px;
  background: repeating-linear-gradient(90deg, var(--gold) 0, var(--gold) 8px, transparent 8px, transparent 16px);
  z-index: 0;
}

.step {
  position: relative;
  z-index: 1;
  text-align: center;
}
.step-num {
  width: 64px; height: 64px;
  margin: 0 auto 1.25rem;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.5rem;
  box-shadow: 0 8px 24px rgba(184, 146, 89, 0.4);
  border: 4px solid var(--bg-warm);
  position: relative;
  transition: all var(--transition);
}
.step:hover .step-num {
  transform: translateY(-4px) rotate(-5deg);
  box-shadow: 0 12px 30px rgba(184, 146, 89, 0.55);
}
.step h4 { margin-bottom: 0.5rem; }
.step p { color: var(--gray); font-size: 0.95rem; }

/* ═══════════════════════════════════════════════════════════════
   9. FAQ
   ═══════════════════════════════════════════════════════════════ */
.faq { background: var(--bg); }
.faq-wrap { max-width: 820px; margin: 0 auto; }

.faq-item {
  background: var(--white);
  border: 1px solid var(--gray-soft);
  border-radius: var(--radius-md);
  margin-bottom: 0.85rem;
  overflow: hidden;
  transition: all var(--transition-fast);
}
.faq-item:hover { border-color: rgba(184, 146, 89, 0.3); }
.faq-item.open {
  border-color: var(--gold);
  box-shadow: 0 8px 24px rgba(184, 146, 89, 0.12);
}

.faq-q {
  width: 100%;
  padding: 1.4rem 1.75rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--navy);
  text-align: right;
  transition: all var(--transition-fast);
}
.faq-q:hover { background: rgba(184, 146, 89, 0.04); }

.faq-icon {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--bg-warm);
  display: grid;
  place-items: center;
  color: var(--gold);
  flex-shrink: 0;
  transition: all var(--transition);
}
.faq-icon svg { width: 14px; height: 14px; transition: transform var(--transition); }
.faq-item.open .faq-icon { background: var(--gold); color: var(--navy); }
.faq-item.open .faq-icon svg { transform: rotate(180deg); }

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}
.faq-a-inner {
  padding: 0 1.75rem 1.5rem;
  color: var(--gray);
  line-height: 1.75;
}

/* ═══════════════════════════════════════════════════════════════
   10. FINAL CTA
   ═══════════════════════════════════════════════════════════════ */
.cta-final {
  background:
    radial-gradient(ellipse at 70% 30%, rgba(208, 176, 127, 0.40) 0%, transparent 55%),
    radial-gradient(ellipse at 20% 70%, rgba(184, 146, 89, 0.18) 0%, transparent 50%),
    linear-gradient(135deg, #353C44 0%, #424A53 50%, #545D68 100%);
  color: var(--white);
  text-align: center;
  position: relative;
  overflow: hidden;
  padding: clamp(5rem, 9vw, 8rem) 0;
}
.cta-final::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle at 85% 15%, rgba(255, 255, 255, 0.12) 0%, transparent 40%);
}

.cta-content { position: relative; z-index: 1; }
.cta-content .eyebrow { color: var(--gold); justify-content: center; }
.cta-content .eyebrow::before, .cta-content .eyebrow::after {
  content: '';
  width: 28px; height: 2px;
  background: var(--gold);
}
.cta-content .eyebrow::before { display: inline-block; }

.cta-content h2 {
  color: var(--white);
  margin-bottom: 1.25rem;
  font-size: clamp(2.25rem, 5vw, 3.75rem);
}
.cta-content h2 em {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 600;
  color: var(--gold);
}

.cta-content > p {
  color: rgba(255, 255, 255, 0.8);
  font-size: 1.15rem;
  max-width: 620px;
  margin: 0 auto 2.5rem;
}

.cta-buttons {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 2.5rem;
}
.cta-buttons .btn { animation: pulse-cta 2.4s ease-in-out infinite; }
@keyframes pulse-cta {
  0%, 100% { box-shadow: var(--shadow-gold); }
  50% { box-shadow: 0 20px 60px rgba(184, 146, 89, 0.7); }
}

.cta-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  font-family: var(--font-mono);
  font-size: clamp(1.4rem, 2.5vw, 1.8rem);
  font-weight: 500;
  color: var(--gold-light);
  transition: color var(--transition-fast);
}
.cta-phone:hover { color: var(--gold); }
.cta-phone svg { width: 28px; height: 28px; }

/* ═══════════════════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════════════════ */
footer {
  background: linear-gradient(180deg, #2E363F 0%, #232932 100%);
  color: rgba(255, 250, 240, 0.78);
  padding: 4rem 0 2rem;
  position: relative;
}
footer::before {
  content: '';
  position: absolute;
  top: 0; right: 0; left: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}

.footer-brand .logo {
  color: var(--white);
  margin-bottom: 1rem;
}
.footer-brand .logo-text small { color: var(--gold); }
.footer-brand p {
  font-size: 0.95rem;
  margin-bottom: 1.5rem;
  max-width: 360px;
  line-height: 1.7;
}

.foot-badges {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}
.foot-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.4rem 0.85rem;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 999px;
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.85);
}
.foot-badge svg { width: 14px; height: 14px; color: var(--gold); }

.footer-col h4 {
  color: var(--white);
  font-size: 0.92rem;
  font-weight: 600;
  margin-bottom: 1.25rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 0.7rem; }
.footer-col a {
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.65);
  transition: color var(--transition-fast);
}
.footer-col a:hover { color: var(--gold); }

.contact-list { display: grid; gap: 0.85rem; }
.contact-list a {
  display: flex;
  align-items: center;
  gap: 0.6rem;
}
.contact-list svg { color: var(--gold); width: 16px; height: 16px; }

.footer-bottom {
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.5);
}
.footer-bottom .disclaimer { max-width: 660px; line-height: 1.6; }

/* ═══════════════════════════════════════════════════════════════
   FLOATING CONTACT GROUP (WhatsApp + Phone)
   ═══════════════════════════════════════════════════════════════ */
.fab-group {
  position: fixed;
  bottom: 24px; left: 24px;
  z-index: 999;
  display: flex;
  gap: 12px;
  align-items: center;
}
.fab {
  width: 52px; height: 52px;
  color: var(--white);
  border-radius: 50%;
  display: grid;
  place-items: center;
  transition: all var(--transition);
  position: relative;
}
.fab svg { width: 24px; height: 24px; }
.fab:hover { transform: scale(1.1); }
.fab-whatsapp {
  background: #25D366;
  box-shadow: 0 6px 20px rgba(37, 211, 102, 0.4);
  animation: float-pulse 3s ease-in-out infinite;
}
.fab-whatsapp:hover { box-shadow: 0 10px 28px rgba(37, 211, 102, 0.55); }
.fab-whatsapp::before {
  content: '';
  position: absolute;
  inset: -3px;
  border-radius: 50%;
  border: 2px solid #25D366;
  opacity: 0.55;
  animation: ring 2.5s infinite;
}
.fab-phone {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy);
  box-shadow: 0 6px 20px rgba(184, 146, 89, 0.35);
}
.fab-phone:hover { box-shadow: 0 10px 28px rgba(184, 146, 89, 0.5); }

@keyframes float-pulse {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-5px); }
}
@keyframes ring {
  0% { transform: scale(1); opacity: 0.6; }
  100% { transform: scale(1.5); opacity: 0; }
}

.fab-tooltip {
  position: absolute;
  bottom: 50%;
  right: calc(100% + 12px);
  transform: translateY(50%);
  background: var(--navy);
  color: var(--white);
  padding: 0.5rem 0.85rem;
  border-radius: 8px;
  font-size: 0.8rem;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: all var(--transition);
  font-weight: 500;
}
.fab:hover .fab-tooltip { opacity: 1; transform: translateY(50%) translateX(-3px); }

/* Legacy class preserved for backward compatibility */
.whatsapp-fab { display: none; }

/* ═══════════════════════════════════════════════════════════════
   ACCESSIBILITY WIDGET — תקנות נגישות ישראל + WCAG 2.1 AA
   ═══════════════════════════════════════════════════════════════ */
.a11y-toggle {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 999;
  width: 52px; height: 52px;
  background: #1E5BA8;
  color: var(--white);
  border-radius: 50%;
  display: grid;
  place-items: center;
  cursor: pointer;
  box-shadow: 0 6px 20px rgba(30, 91, 168, 0.35);
  transition: all var(--transition);
  border: 2px solid var(--white);
}
.a11y-toggle:hover { transform: scale(1.08); box-shadow: 0 10px 28px rgba(30, 91, 168, 0.5); }
.a11y-toggle svg { width: 28px; height: 28px; }

.a11y-panel {
  position: fixed;
  top: 50%;
  right: 24px;
  transform: translate(120%, -50%);
  z-index: 9999;
  width: 320px;
  max-width: calc(100vw - 48px);
  max-height: 80vh;
  overflow-y: auto;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  border: 2px solid #1E5BA8;
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}
.a11y-panel.open { transform: translate(0, -50%); }

.a11y-panel-head {
  background: #1E5BA8;
  color: var(--white);
  padding: 1rem 1.25rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-radius: calc(var(--radius-lg) - 2px) calc(var(--radius-lg) - 2px) 0 0;
}
.a11y-panel-head h3 {
  color: var(--white);
  font-size: 1.05rem;
  margin: 0;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.a11y-panel-close {
  width: 32px; height: 32px;
  background: rgba(255,255,255,0.15);
  border-radius: 50%;
  color: var(--white);
  display: grid;
  place-items: center;
  cursor: pointer;
}
.a11y-panel-close:hover { background: rgba(255,255,255,0.3); }

.a11y-panel-body { padding: 1rem 1.25rem 1.25rem; }
.a11y-section { margin-bottom: 1.25rem; }
.a11y-section h4 {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--gray);
  margin-bottom: 0.6rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.a11y-options { display: grid; gap: 0.4rem; }
.a11y-btn {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  padding: 0.7rem 0.9rem;
  background: var(--bg);
  border: 2px solid var(--gray-soft);
  border-radius: var(--radius-sm);
  font-family: var(--font-heading);
  font-weight: 500;
  font-size: 0.92rem;
  color: var(--charcoal);
  text-align: right;
  cursor: pointer;
  transition: all var(--transition-fast);
  width: 100%;
}
.a11y-btn:hover { border-color: #1E5BA8; background: rgba(30, 91, 168, 0.05); }
.a11y-btn.active {
  background: rgba(30, 91, 168, 0.1);
  border-color: #1E5BA8;
  color: #1E5BA8;
  font-weight: 700;
}
.a11y-btn .icon {
  width: 24px; height: 24px;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.a11y-btn .icon svg { width: 20px; height: 20px; }

.a11y-reset {
  width: 100%;
  margin-top: 1rem;
  padding: 0.7rem;
  background: var(--charcoal);
  color: var(--white);
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.92rem;
  cursor: pointer;
  transition: background var(--transition-fast);
}
.a11y-reset:hover { background: var(--navy); }

.a11y-statement-link {
  display: block;
  margin-top: 0.75rem;
  text-align: center;
  font-size: 0.85rem;
  color: #1E5BA8;
  text-decoration: underline;
}

/* ═══ ACCESSIBILITY MODES — applied to body ═══ */
body.a11y-large-text { font-size: 19px; }
body.a11y-larger-text { font-size: 22px; }
body.a11y-largest-text { font-size: 26px; }

body.a11y-contrast {
  background: #FFFFFF !important;
  color: #000000 !important;
}
body.a11y-contrast .hero,
body.a11y-contrast .cta-final,
body.a11y-contrast .lead-magnet,
body.a11y-contrast footer,
body.a11y-contrast .market-bar {
  background: #000000 !important;
  color: #FFFFFF !important;
}
body.a11y-contrast .hero *,
body.a11y-contrast .cta-final *,
body.a11y-contrast .lead-magnet *,
body.a11y-contrast footer *,
body.a11y-contrast .market-bar * { color: #FFFFFF !important; }
body.a11y-contrast .service-card,
body.a11y-contrast .blog-card,
body.a11y-contrast .calc-panel,
body.a11y-contrast .testimonial,
body.a11y-contrast .faq-item { background: #FFFFFF !important; border: 2px solid #000000 !important; }
body.a11y-contrast .service-card *,
body.a11y-contrast .blog-card *,
body.a11y-contrast .calc-panel *,
body.a11y-contrast .testimonial *,
body.a11y-contrast .faq-item * { color: #000000 !important; }
body.a11y-contrast .btn-primary { background: #000000 !important; color: #FFFFFF !important; border: 2px solid #000000 !important; }
body.a11y-contrast .btn-secondary { background: #FFFFFF !important; color: #000000 !important; border: 2px solid #000000 !important; }

body.a11y-underline-links a { text-decoration: underline !important; text-underline-offset: 3px; }

body.a11y-highlight-headings h1,
body.a11y-highlight-headings h2,
body.a11y-highlight-headings h3,
body.a11y-highlight-headings h4 {
  background: #FFF59D !important;
  color: #000000 !important;
  padding: 0.15em 0.4em;
  border-radius: 4px;
}

body.a11y-readable-font,
body.a11y-readable-font *:not([class*="num"]):not(input[type="range"]) {
  font-family: 'Arial', 'Heebo', sans-serif !important;
  letter-spacing: 0.02em;
  line-height: 1.7 !important;
}

body.a11y-no-animations *,
body.a11y-no-animations *::before,
body.a11y-no-animations *::after {
  animation-duration: 0s !important;
  animation-iteration-count: 1 !important;
  transition-duration: 0s !important;
  transition-delay: 0s !important;
}

body.a11y-cursor * { cursor: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='32' height='32' viewBox='0 0 32 32'><circle cx='16' cy='16' r='10' fill='%23000000' stroke='%23FFFF00' stroke-width='3'/></svg>") 16 16, auto !important; }
body.a11y-cursor a,
body.a11y-cursor button,
body.a11y-cursor [role="button"],
body.a11y-cursor input { cursor: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='32' height='32' viewBox='0 0 32 32'><circle cx='16' cy='16' r='12' fill='%23FF0000' stroke='%23FFFF00' stroke-width='3'/></svg>") 16 16, pointer !important; }

@media (max-width: 768px) {
  .a11y-toggle { width: 46px; height: 46px; bottom: 18px; right: 18px; }
  .a11y-toggle svg { width: 24px; height: 24px; }
  .a11y-panel { width: calc(100vw - 32px); right: 16px; }
}

/* ═══════════════════════════════════════════════════════════════
   SCROLL ANIMATIONS
   ═══════════════════════════════════════════════════════════════ */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.9s cubic-bezier(0.16, 1, 0.3, 1), transform 0.9s cubic-bezier(0.16, 1, 0.3, 1);
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal[data-delay="1"] { transition-delay: 0.1s; }
.reveal[data-delay="2"] { transition-delay: 0.2s; }
.reveal[data-delay="3"] { transition-delay: 0.3s; }
.reveal[data-delay="4"] { transition-delay: 0.4s; }

/* ═══════════════════════════════════════════════════════════════
   FINANCIAL TICKER — נתונים מתעדכנים
   ═══════════════════════════════════════════════════════════════ */
.market-bar {
  background: linear-gradient(90deg, #2E363F 0%, #3A434D 50%, #2E363F 100%);
  color: rgba(255, 250, 240, 0.95);
  padding: 0.6rem 0;
  font-size: 0.88rem;
  border-bottom: 1px solid rgba(184, 146, 89, 0.18);
  position: relative;
  z-index: 1001;
}
.market-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 clamp(1.25rem, 3vw, 2.5rem);
  display: flex;
  align-items: center;
  gap: 2rem;
  flex-wrap: wrap;
  justify-content: space-between;
}
.market-items { display: flex; gap: 1.75rem; flex-wrap: wrap; align-items: center; }
.market-item {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: var(--font-heading);
  font-weight: 500;
}
.market-item .lbl { color: rgba(255, 255, 255, 0.65); font-size: 0.82rem; }
.market-item .val { font-family: var(--font-mono); font-weight: 500; color: var(--gold-light); }
.market-item .chg {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  padding: 0.1rem 0.45rem;
  border-radius: 999px;
}
.market-item .chg.up { background: rgba(79, 170, 123, 0.18); color: #6CC494; }
.market-item .chg.down { background: rgba(215, 114, 114, 0.18); color: #E89494; }
.market-update {
  font-size: 0.76rem;
  color: rgba(255, 255, 255, 0.55);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}
.market-update::before {
  content: '';
  width: 6px; height: 6px;
  background: #6CC494;
  border-radius: 50%;
  animation: pulse-dot 2s infinite;
}

/* Adjust navbar to sit below ticker */
.navbar { top: 0; }
body.has-ticker .navbar { top: 0; }

/* ═══════════════════════════════════════════════════════════════
   CALCULATOR HUB — 7 מחשבונים
   ═══════════════════════════════════════════════════════════════ */
.calc-hub {
  background: linear-gradient(180deg, var(--bg) 0%, var(--bg-warm) 100%);
  position: relative;
}

.calc-tabs {
  display: flex;
  gap: 0.5rem;
  flex-wrap: wrap;
  justify-content: center;
  margin-bottom: 2.5rem;
  max-width: 980px;
  margin-left: auto;
  margin-right: auto;
}
.calc-tab {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.2rem;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.93rem;
  color: var(--charcoal);
  background: var(--white);
  border: 1.5px solid var(--gray-soft);
  border-radius: 999px;
  cursor: pointer;
  transition: all var(--transition-fast);
}
.calc-tab:hover { border-color: var(--gray-light); transform: translateY(-1px); }
.calc-tab.active {
  color: var(--white);
  border-color: transparent;
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.calc-tab .dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  flex-shrink: 0;
}
.calc-tab[data-color="turquoise"].active { background: var(--turquoise); }
.calc-tab[data-color="turquoise"] .dot { background: var(--turquoise); }
.calc-tab[data-color="blue"].active { background: var(--blue); }
.calc-tab[data-color="blue"] .dot { background: var(--blue); }
.calc-tab[data-color="green"].active { background: var(--green); }
.calc-tab[data-color="green"] .dot { background: var(--green); }
.calc-tab[data-color="copper"].active { background: var(--copper); }
.calc-tab[data-color="copper"] .dot { background: var(--copper); }
.calc-tab[data-color="purple"].active { background: var(--purple); }
.calc-tab[data-color="purple"] .dot { background: var(--purple); }
.calc-tab.active .dot { background: var(--white); }

.calc-panels {
  max-width: 980px;
  margin: 0 auto;
  position: relative;
}
.calc-panel {
  display: none;
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--gray-soft);
  position: relative;
  overflow: hidden;
}
.calc-panel.active {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: start;
  animation: panelIn 0.45s cubic-bezier(0.16, 1, 0.3, 1);
}
@keyframes panelIn {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: translateY(0); }
}

.calc-panel::before {
  content: '';
  position: absolute;
  top: 0; right: 0; left: 0;
  height: 4px;
}
.calc-panel[data-color="turquoise"]::before { background: linear-gradient(90deg, var(--turquoise), #5DCFC5); }
.calc-panel[data-color="blue"]::before { background: linear-gradient(90deg, var(--blue), #7BA0DC); }
.calc-panel[data-color="green"]::before { background: linear-gradient(90deg, var(--green), #79C499); }
.calc-panel[data-color="copper"]::before { background: linear-gradient(90deg, var(--copper), #D4A47C); }
.calc-panel[data-color="purple"]::before { background: linear-gradient(90deg, var(--purple), #A99BC9); }

.calc-panel-head { margin-bottom: 1.5rem; }
.calc-panel-head .calc-eyebrow {
  font-family: var(--font-heading);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}
.calc-panel[data-color="turquoise"] .calc-eyebrow { color: var(--turquoise); }
.calc-panel[data-color="blue"] .calc-eyebrow { color: var(--blue); }
.calc-panel[data-color="green"] .calc-eyebrow { color: var(--green); }
.calc-panel[data-color="copper"] .calc-eyebrow { color: var(--copper); }
.calc-panel[data-color="purple"] .calc-eyebrow { color: var(--purple); }

.calc-panel h3 { margin-bottom: 0.5rem; font-size: 1.5rem; }
.calc-panel .calc-desc { color: var(--gray); font-size: 0.95rem; line-height: 1.6; }

.calc-output {
  padding: 1.75rem;
  border-radius: var(--radius-md);
  text-align: center;
  margin-top: auto;
}
.calc-panel[data-color="turquoise"] .calc-output { background: var(--turquoise-soft); border: 1px solid rgba(43, 168, 158, 0.2); }
.calc-panel[data-color="blue"] .calc-output { background: var(--blue-soft); border: 1px solid rgba(74, 123, 200, 0.2); }
.calc-panel[data-color="green"] .calc-output { background: var(--green-soft); border: 1px solid rgba(79, 170, 123, 0.2); }
.calc-panel[data-color="copper"] .calc-output { background: var(--copper-soft); border: 1px solid rgba(194, 133, 87, 0.2); }
.calc-panel[data-color="purple"] .calc-output { background: var(--purple-soft); border: 1px solid rgba(139, 122, 184, 0.2); }
.calc-panel[data-color="dynamic"] .calc-output { transition: background 0.3s; border: 1px solid transparent; }
.calc-panel[data-color="dynamic"].safe .calc-output { background: var(--green-soft); border-color: rgba(122, 184, 146, 0.3); }
.calc-panel[data-color="dynamic"].caution .calc-output { background: #FBF4E5; border-color: rgba(184, 146, 89, 0.3); }
.calc-panel[data-color="dynamic"].danger .calc-output { background: var(--red-soft); border-color: rgba(201, 120, 120, 0.3); }
.calc-panel[data-color="dynamic"] .calc-eyebrow,
.calc-panel[data-color="dynamic"].safe .out-val { color: var(--green); }
.calc-panel[data-color="dynamic"].caution .calc-eyebrow,
.calc-panel[data-color="dynamic"].caution .out-val { color: var(--gold-deep); }
.calc-panel[data-color="dynamic"].danger .calc-eyebrow,
.calc-panel[data-color="dynamic"].danger .out-val { color: var(--red); }

/* DTI progress bar — visualizes distance to 50% threshold */
.dti-meter {
  margin: 1.25rem 0 0.5rem;
  text-align: right;
}
.dti-meter-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.78rem;
  color: var(--gray);
  margin-bottom: 0.4rem;
  font-family: var(--font-mono);
}
.dti-meter-label span:first-child { color: var(--green); font-weight: 600; }
.dti-meter-label span:last-child { color: var(--red); font-weight: 600; }
.dti-meter-track {
  height: 12px;
  background: linear-gradient(-90deg,
    var(--green) 0%,
    var(--green) 55%,
    #E8C679 75%,
    #E8C679 85%,
    var(--red) 100%);
  border-radius: 999px;
  position: relative;
  overflow: visible;
}
.dti-meter-indicator {
  position: absolute;
  top: 50%;
  transform: translate(50%, -50%);
  width: 22px;
  height: 22px;
  background: var(--white);
  border-radius: 50%;
  border: 3px solid var(--charcoal);
  box-shadow: var(--shadow-md);
  transition: right 0.4s cubic-bezier(0.16, 1, 0.3, 1), border-color 0.3s;
}
.dti-meter-indicator::after {
  content: attr(data-value);
  position: absolute;
  top: -28px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--charcoal);
  color: var(--white);
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 500;
  padding: 0.2rem 0.5rem;
  border-radius: 4px;
  white-space: nowrap;
}
.dti-meter-indicator::before {
  content: '';
  position: absolute;
  top: -6px;
  left: 50%;
  transform: translateX(-50%) rotate(45deg);
  width: 8px; height: 8px;
  background: var(--charcoal);
}
.dti-meter-threshold {
  position: absolute;
  top: -6px;
  bottom: -6px;
  left: 0;
  width: 2px;
  background: var(--red);
  opacity: 0.6;
}
.calc-panel[data-color="dynamic"].safe .dti-meter-indicator { border-color: var(--green); }
.calc-panel[data-color="dynamic"].caution .dti-meter-indicator { border-color: var(--gold); }
.calc-panel[data-color="dynamic"].danger .dti-meter-indicator { border-color: var(--red); }

.out-label { font-size: 0.88rem; color: var(--gray); margin-bottom: 0.5rem; }
.out-val {
  font-family: var(--font-mono);
  font-size: clamp(1.8rem, 3.5vw, 2.5rem);
  font-weight: 500;
  letter-spacing: -0.04em;
  line-height: 1.1;
  display: block;
}
.calc-panel[data-color="turquoise"] .out-val { color: var(--turquoise); }
.calc-panel[data-color="blue"] .out-val { color: var(--blue); }
.calc-panel[data-color="copper"] .out-val { color: var(--copper); }
.calc-panel[data-color="purple"] .out-val { color: var(--purple); }
.out-sub { font-size: 0.85rem; color: var(--gray); margin-top: 0.5rem; }
.out-status {
  display: inline-block;
  margin-top: 0.6rem;
  padding: 0.25rem 0.85rem;
  background: var(--white);
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 600;
}

.calc-cta {
  margin-top: 1.25rem;
  text-align: center;
}
.calc-cta-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--navy);
  text-decoration: underline;
  text-underline-offset: 4px;
  text-decoration-color: var(--gold);
}
.calc-cta-link:hover { color: var(--gold); }

/* ═══════════════════════════════════════════════════════════════
   BLOG
   ═══════════════════════════════════════════════════════════════ */
.blog { background: var(--surface); }
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(290px, 1fr));
  gap: 1.75rem;
}
.blog-card {
  background: var(--white);
  border: 1px solid var(--gray-soft);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.blog-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold);
}
.blog-img {
  height: 180px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  position: relative;
  overflow: hidden;
  display: grid;
  place-items: center;
}
.blog-img.t-turquoise { background: linear-gradient(135deg, var(--turquoise) 0%, #5DCFC5 100%); }
.blog-img.t-blue { background: linear-gradient(135deg, var(--blue) 0%, #7BA0DC 100%); }
.blog-img.t-copper { background: linear-gradient(135deg, var(--copper) 0%, #D4A47C 100%); }
.blog-img.t-green { background: linear-gradient(135deg, var(--green) 0%, #79C499 100%); }
.blog-img.t-purple { background: linear-gradient(135deg, var(--purple) 0%, #A99BC9 100%); }
.blog-img::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40' viewBox='0 0 40 40'%3E%3Cpath fill='none' stroke='%23FFFFFF' stroke-width='0.5' opacity='0.18' d='M0 20 L20 0 L40 20 L20 40 Z'/%3E%3C/svg%3E");
}
.blog-img svg {
  width: 56px; height: 56px;
  color: var(--white);
  opacity: 0.95;
  position: relative;
  z-index: 1;
}
.blog-body {
  padding: 1.5rem 1.6rem 1.75rem;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.blog-meta {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.78rem;
  color: var(--gray-light);
  margin-bottom: 0.8rem;
}
.blog-tag {
  font-family: var(--font-heading);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
}
.blog-body h3 {
  font-size: 1.18rem;
  margin-bottom: 0.6rem;
  line-height: 1.35;
}
.blog-body p {
  color: var(--gray);
  font-size: 0.95rem;
  line-height: 1.6;
  margin-bottom: 1.25rem;
  flex: 1;
}
.blog-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-family: var(--font-heading);
  font-weight: 600;
  color: var(--navy);
  font-size: 0.92rem;
  transition: gap var(--transition-fast), color var(--transition-fast);
}
.blog-link:hover { color: var(--gold); gap: 0.7rem; }

/* Article Modal */
.article-modal {
  position: fixed;
  inset: 0;
  z-index: 10000;
  display: none;
  align-items: flex-start;
  justify-content: center;
  padding: 4rem 1rem;
  background: rgba(46, 64, 84, 0.55);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  overflow-y: auto;
}
.article-modal.open { display: flex; animation: modalFade 0.3s ease-out; }
@keyframes modalFade { from { opacity: 0; } to { opacity: 1; } }

.article-modal-inner {
  background: var(--white);
  max-width: 800px;
  width: 100%;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  position: relative;
  animation: modalSlide 0.45s cubic-bezier(0.16, 1, 0.3, 1);
}
@keyframes modalSlide { from { opacity: 0; transform: translateY(30px); } to { opacity: 1; transform: translateY(0); } }

.article-hero {
  height: 200px;
  border-radius: var(--radius-xl) var(--radius-xl) 0 0;
  position: relative;
  overflow: hidden;
}
.article-hero.t-turquoise { background: linear-gradient(135deg, var(--turquoise) 0%, #80D0C5 100%); }
.article-hero.t-blue { background: linear-gradient(135deg, var(--blue) 0%, #8FB0E0 100%); }
.article-hero.t-copper { background: linear-gradient(135deg, var(--copper) 0%, #E2BC95 100%); }
.article-hero.t-green { background: linear-gradient(135deg, var(--green) 0%, #95D2B0 100%); }
.article-hero.t-purple { background: linear-gradient(135deg, var(--purple) 0%, #BFB1DD 100%); }
.article-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='40' height='40' viewBox='0 0 40 40'%3E%3Cpath fill='none' stroke='%23FFFFFF' stroke-width='0.5' opacity='0.18' d='M0 20 L20 0 L40 20 L20 40 Z'/%3E%3C/svg%3E");
}

.article-close {
  position: absolute;
  top: 1.25rem;
  left: 1.25rem;
  z-index: 2;
  width: 42px; height: 42px;
  background: var(--white);
  color: var(--charcoal);
  border-radius: 50%;
  display: grid;
  place-items: center;
  cursor: pointer;
  box-shadow: var(--shadow-md);
  transition: all var(--transition-fast);
}
.article-close:hover { transform: rotate(90deg); background: var(--gold); color: var(--white); }

.article-body { padding: 2.5rem 2.75rem 3rem; }
.article-body .article-meta {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.82rem;
  color: var(--gray-light);
  margin-bottom: 1rem;
}
.article-body .article-tag {
  font-family: var(--font-heading);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
}
.article-body h2 {
  font-size: clamp(1.5rem, 2.5vw, 2rem);
  margin-bottom: 1.5rem;
  line-height: 1.3;
}
.article-body h3 {
  font-size: 1.2rem;
  margin: 2rem 0 0.75rem;
  color: var(--navy);
}
.article-body p { color: var(--gray); margin-bottom: 1.1rem; line-height: 1.8; }
.article-body ul, .article-body ol { margin: 1rem 1.5rem 1.25rem; color: var(--gray); }
.article-body li { margin-bottom: 0.5rem; line-height: 1.7; }
.article-body strong { color: var(--charcoal); font-weight: 600; }
.article-body blockquote {
  margin: 1.5rem 0;
  padding: 1rem 1.25rem;
  background: var(--bg-warm);
  border-right: 3px solid var(--gold);
  border-radius: var(--radius-sm);
  font-style: italic;
  color: var(--charcoal);
}
.article-body .article-cta {
  margin-top: 2rem;
  padding: 1.5rem;
  background: linear-gradient(135deg, var(--bg-warm) 0%, var(--gold-soft) 100%);
  border-radius: var(--radius-md);
  text-align: center;
}
.article-body .article-cta p { margin-bottom: 1rem; color: var(--charcoal); font-weight: 500; }

.blog-card { cursor: pointer; }
.blog-card .blog-link { pointer-events: none; }

/* Lead magnet bar */
.lead-magnet {
  background:
    radial-gradient(ellipse at 80% 30%, rgba(208, 176, 127, 0.35) 0%, transparent 55%),
    linear-gradient(135deg, #3D454E 0%, #525B65 100%);
  color: var(--white);
  padding: clamp(2.5rem, 5vw, 4rem) 0;
  position: relative;
  overflow: hidden;
}
.lead-magnet::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 30% 40%, rgba(255, 255, 255, 0.08), transparent 50%);
}
.lm-wrap {
  position: relative;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 3rem;
  align-items: center;
}
.lm-wrap h3 { color: var(--white); font-size: clamp(1.5rem, 2.5vw, 1.95rem); margin-bottom: 0.75rem; }
.lm-wrap p { color: rgba(255, 255, 255, 0.78); font-size: 1rem; line-height: 1.7; }
.lm-form {
  display: grid;
  gap: 0.75rem;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.12);
  padding: 1.5rem;
  border-radius: var(--radius-lg);
  backdrop-filter: blur(10px);
}
.lm-form label { display: block; }
.lm-form .field-label {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 0.3rem;
  display: block;
}
.lm-form input {
  width: 100%;
  padding: 0.85rem 1rem;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-family: inherit;
  font-size: 0.95rem;
  transition: all var(--transition-fast);
}
.lm-form input::placeholder { color: rgba(255, 255, 255, 0.4); }
.lm-form input:focus {
  outline: none;
  border-color: var(--gold);
  background: rgba(255, 255, 255, 0.12);
}
.lm-form button {
  width: 100%;
  padding: 0.95rem;
  margin-top: 0.5rem;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy);
  border-radius: 999px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 0.98rem;
  cursor: pointer;
  transition: transform var(--transition-fast);
}
.lm-form button:hover { transform: translateY(-2px); }
.lm-form .privacy {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.55);
  text-align: center;
  margin-top: 0.4rem;
  line-height: 1.5;
}

/* Cookie consent */
.cookie-banner {
  position: fixed;
  bottom: 90px; left: 24px;
  z-index: 998;
  max-width: 340px;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--gray-soft);
  padding: 1.25rem;
  transform: translateY(150%);
  transition: transform 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}
.cookie-banner.visible { transform: translateY(0); }
.cookie-banner h4 { font-size: 0.95rem; margin-bottom: 0.4rem; }
.cookie-banner p { font-size: 0.82rem; color: var(--gray); margin-bottom: 0.85rem; line-height: 1.5; }
.cookie-actions { display: flex; gap: 0.5rem; }
.cookie-actions button {
  flex: 1;
  padding: 0.55rem 0.85rem;
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition-fast);
}
.cookie-accept { background: var(--navy); color: var(--white); }
.cookie-accept:hover { background: var(--navy-light); }
.cookie-decline { background: var(--bg); color: var(--gray); }
.cookie-decline:hover { background: var(--gray-soft); }

/* ═══════════════════════════════════════════════════════════════
   RESPONSIVE
   ═══════════════════════════════════════════════════════════════ */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 3rem; }
  .hero-visual { max-width: 460px; margin: 0 auto; }
  .why-grid { grid-template-columns: 1fr; gap: 3rem; }
  .calc-wrap { grid-template-columns: 1fr; gap: 3rem; }
  .testimonial-track { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); gap: 3rem; }
  .process-grid::before { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .calc-panel.active { grid-template-columns: 1fr; gap: 2rem; }
  .lm-wrap { grid-template-columns: 1fr; gap: 2rem; }
  .market-items { gap: 1rem; }
}

@media (max-width: 768px) {
  body { font-size: 16px; }
  .nav-links, .nav-phone { display: none; }
  .menu-toggle { display: flex; }
  .nav-cta { padding: 0.65rem 1.2rem; font-size: 0.88rem; }
  .hero { padding-top: 6rem; }
  .hero-trust { grid-template-columns: 1fr; gap: 0.85rem; padding: 1.25rem; }
  .trust-item { display: flex; align-items: center; gap: 0.75rem; text-align: right; }
  .trust-item .icon { margin: 0; }
  .trust-item .val { display: inline; }
  .stats-grid { grid-template-columns: 1fr; }
  .testimonial-track { grid-template-columns: 1fr; }
  .process-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 2.5rem; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .hero-ctas .btn { flex: 1; min-width: 0; }
  .calc-card { padding: 1.75rem; }
  .calc-result { margin: 1.5rem -0.5rem -0.5rem; padding: 1.5rem 1rem; }
  .fab-group { bottom: 18px; left: 18px; gap: 10px; }
  .fab { width: 48px; height: 48px; }
  .fab svg { width: 22px; height: 22px; }
  section { padding: 4rem 0; }
  .calc-tabs { gap: 0.4rem; }
  .calc-tab { padding: 0.55rem 0.95rem; font-size: 0.85rem; }
  .calc-panel { padding: 1.5rem; }
  .market-bar { font-size: 0.78rem; padding: 0.5rem 0; }
  .market-inner { gap: 0.75rem; justify-content: center; }
  .market-item { gap: 0.35rem; }
  .market-update { width: 100%; justify-content: center; margin-top: 0.25rem; }
  .cookie-banner { right: 12px; left: 12px; bottom: 88px; max-width: none; }
}

@media (max-width: 380px) {
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { width: 100%; }
  .cta-buttons .btn { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
  }
}

/* Active page indicator in navbar */
.nav-links a.active {
  color: var(--navy);
  font-weight: 600;
}
.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  right: 0;
  width: 100%;
  height: 2px;
  background: var(--gold);
}

/* Compact hero for subpages */
.page-hero {
  padding: 8rem 0 3rem;
  background:
    radial-gradient(ellipse at 75% 20%, rgba(222, 197, 152, 0.35) 0%, transparent 55%),
    radial-gradient(ellipse at 20% 80%, rgba(107, 133, 164, 0.18) 0%, transparent 50%),
    linear-gradient(135deg, #4F6886 0%, #5F7B98 50%, #7591AC 100%);
  color: var(--white);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero h1 {
  color: var(--white);
  font-size: clamp(2rem, 4vw, 3rem);
  margin-bottom: 1rem;
}
.page-hero p {
  color: rgba(255, 255, 255, 0.85);
  font-size: clamp(1rem, 1.5vw, 1.15rem);
  max-width: 640px;
  margin: 0 auto;
  line-height: 1.7;
}
.page-hero .eyebrow {
  justify-content: center;
  color: var(--gold-light);
}
.page-hero .eyebrow::before,
.page-hero .eyebrow::after {
  background: var(--gold-light);
}

@media (max-width: 768px) {
  .page-hero { padding: 6rem 0 2.5rem; }
}

/* Article page (individual blog post) - override modal article-hero */
.article-page .article-hero {
  height: auto;
  border-radius: 0;
  min-height: 280px;
  margin-top: 0;
}
.article-page .article-hero .blog-tag {
  background: rgba(255, 255, 255, 0.18);
  color: #fff;
  padding: 0.3rem 0.85rem;
  border-radius: 999px;
  font-size: 0.78rem;
  letter-spacing: 0.1em;
}
.article-page .article-body {
  font-size: 1.05rem;
  line-height: 1.85;
}
.article-page .article-body h3 {
  margin-top: 2.5rem;
  margin-bottom: 0.85rem;
  color: var(--navy);
}
.article-page .article-body p {
  margin-bottom: 1.2rem;
  color: var(--gray);
}
.article-page .article-body ul,
.article-page .article-body ol {
  margin: 1rem 1.5rem 1.5rem;
  color: var(--gray);
}
.article-page .article-body li {
  margin-bottom: 0.6rem;
  line-height: 1.75;
}
.article-page .article-body blockquote {
  margin: 2rem 0;
  padding: 1.25rem 1.5rem;
  background: var(--bg-warm);
  border-right: 4px solid var(--gold);
  border-radius: var(--radius-sm);
  font-style: italic;
  color: var(--charcoal);
}
.article-page .article-body .article-cta {
  margin-top: 2.5rem;
  padding: 2rem;
  background: linear-gradient(135deg, var(--bg-warm) 0%, var(--gold-soft) 100%);
  border-radius: var(--radius-md);
  text-align: center;
}
.article-page .article-body strong {
  color: var(--charcoal);
  font-weight: 600;
}

/* About page hero with photo */
.about-hero {
  padding: 7rem 0 4rem;
}
.about-hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 3rem;
  align-items: center;
}
.about-hero-text { text-align: right; }
.about-hero-text .eyebrow { justify-content: flex-start; }
.about-hero-text h1 { text-align: right; margin-bottom: 1rem; }
.about-hero-text p { text-align: right; max-width: none; margin: 0 0 1.5rem 0; }

.about-hero-meta {
  display: flex;
  gap: 0.6rem;
  flex-wrap: wrap;
  margin-top: 1.75rem;
}
.meta-pill {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.5rem 1rem;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 999px;
  font-size: 0.88rem;
  color: var(--white);
  backdrop-filter: blur(10px);
}

.about-hero-photo {
  position: relative;
  max-width: 380px;
  margin: 0 auto;
}
.about-hero-photo img {
  width: 100%;
  height: auto;
  border-radius: 30% 70% 70% 30% / 30% 30% 70% 70%;
  box-shadow: 0 25px 60px rgba(0, 0, 0, 0.35), 0 0 0 6px rgba(222, 197, 152, 0.3);
  display: block;
  animation: floatPhoto 6s ease-in-out infinite;
}
@keyframes floatPhoto {
  0%, 100% { transform: translateY(0) rotate(-1deg); }
  50% { transform: translateY(-8px) rotate(1deg); }
}
.about-hero-photo::before {
  content: '';
  position: absolute;
  inset: -20px;
  border: 2px dashed rgba(222, 197, 152, 0.35);
  border-radius: 30% 70% 70% 30% / 30% 30% 70% 70%;
  animation: rotateBorder 30s linear infinite;
  z-index: -1;
}
@keyframes rotateBorder {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}
.about-hero-badge {
  position: absolute;
  bottom: -10px;
  right: -10px;
  width: 90px;
  height: 90px;
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
  color: var(--navy);
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  line-height: 1.15;
  text-align: center;
  box-shadow: 0 10px 30px rgba(201, 168, 118, 0.5);
  border: 4px solid var(--white);
}
.about-hero-badge span {
  display: block;
  font-style: italic;
  font-size: 0.9em;
}

@media (max-width: 900px) {
  .about-hero-grid { grid-template-columns: 1fr; gap: 2.5rem; text-align: center; }
  .about-hero-text { text-align: center; }
  .about-hero-text .eyebrow { justify-content: center; }
  .about-hero-text h1, .about-hero-text p { text-align: center; }
  .about-hero-meta { justify-content: center; }
  .about-hero-photo { max-width: 300px; }
}

/* Article byline (author signature) */
.article-byline {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin-bottom: 2rem;
  padding: 1rem 1.25rem;
  background: var(--bg-warm);
  border-right: 4px solid var(--gold);
  border-radius: var(--radius-sm);
}
.article-byline img {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--gold-light);
  flex-shrink: 0;
}
.article-byline-info { line-height: 1.4; }
.article-byline .by-label {
  font-size: 0.78rem;
  color: var(--gray-light);
  letter-spacing: 0.05em;
}
.article-byline .by-name {
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--navy);
  font-size: 1.05rem;
  display: block;
}
.article-byline .by-role {
  font-size: 0.88rem;
  color: var(--gray);
}

/* Testimonials personal intro by Tamir */
.testimonials-intro {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 2rem;
  align-items: center;
  margin-bottom: 3rem;
  padding: 2rem 2.5rem;
  background: linear-gradient(135deg, var(--bg-warm) 0%, var(--gold-soft) 100%);
  border-radius: var(--radius-lg);
  border-right: 5px solid var(--gold);
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
}
.testimonials-intro::before {
  content: '';
  position: absolute;
  top: -40px;
  left: -40px;
  width: 180px; height: 180px;
  background: radial-gradient(circle, rgba(201, 168, 118, 0.18), transparent 70%);
  pointer-events: none;
}
.ti-photo {
  flex-shrink: 0;
  position: relative;
  z-index: 1;
}
.ti-photo img {
  width: 110px;
  height: 110px;
  border-radius: 50%;
  object-fit: cover;
  border: 4px solid var(--white);
  box-shadow: 0 8px 24px rgba(27, 42, 65, 0.15);
}
.ti-quote {
  position: relative;
  z-index: 1;
}
.ti-quote-mark {
  width: 36px;
  height: 36px;
  color: var(--gold);
  opacity: 0.85;
  margin-bottom: 0.5rem;
  display: block;
}
.ti-quote p {
  font-size: clamp(1.05rem, 1.4vw, 1.25rem);
  line-height: 1.7;
  color: var(--charcoal);
  margin-bottom: 1rem;
  font-weight: 500;
}
.ti-quote p strong { color: var(--navy); }
.ti-sig { display: flex; flex-direction: column; gap: 0.15rem; }
.ti-sig-name {
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--navy);
  font-size: 1rem;
}
.ti-sig-role {
  font-size: 0.85rem;
  color: var(--gray);
}

@media (max-width: 700px) {
  .testimonials-intro {
    grid-template-columns: 1fr;
    text-align: center;
    padding: 1.75rem 1.5rem;
  }
  .ti-photo { margin: 0 auto; }
  .ti-photo img { width: 90px; height: 90px; }
  .ti-sig { align-items: center; }
}