:root {
  --navy: #12284c;
  --navy-2: #1d3a6b;
  --gold: #b8892b;
  --bg: #f5f7fb;
  --card: #ffffff;
  --text: #1c2433;
  --muted: #5d687c;
  --line: #dde3ee;
  --danger: #b3261e;
  --ok: #1f7a46;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif; color: var(--text); background: var(--bg); line-height: 1.55; }
a { color: var(--navy-2); }
.wrap { max-width: 1040px; margin: 0 auto; padding: 0 16px; }
.muted { color: var(--muted); }
.small { font-size: .86rem; }

/* header */
.site-header { background: var(--navy); color: #fff; position: sticky; top: 0; z-index: 10; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 60px; flex-wrap: wrap; }
.brand { font-weight: 700; font-size: 1.05rem; color: #fff; text-decoration: none; }
.brand small { display: block; font-weight: 400; font-size: .72rem; color: #c9d4ea; letter-spacing: .06em; text-transform: uppercase; }
.nav a { color: #e6ecf8; text-decoration: none; margin-left: 16px; font-size: .95rem; }
.nav a.cta { background: var(--gold); color: #fff; padding: 7px 14px; border-radius: 6px; }

/* hero */
.hero { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; padding: 56px 0 60px; }
.hero h1 { font-size: clamp(1.7rem, 4.5vw, 2.5rem); margin: 0 0 10px; line-height: 1.2; }
.hero p { max-width: 640px; color: #d6dff2; margin: 0 0 22px; font-size: 1.05rem; }

/* sections */
section.block { padding: 40px 0; }
section.block h2 { color: var(--navy); margin: 0 0 6px; font-size: 1.5rem; }
section.block .lead { color: var(--muted); margin: 0 0 22px; }
.grid { display: grid; gap: 14px; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); }
.card { background: var(--card); border: 1px solid var(--line); border-radius: 10px; padding: 16px 18px; }
.card h3 { margin: 0 0 6px; font-size: 1.02rem; color: var(--navy); }
.card p { margin: 0; color: var(--muted); font-size: .93rem; }

/* buttons & forms */
.btn { display: inline-block; border: 0; cursor: pointer; background: var(--navy); color: #fff; padding: 10px 18px; border-radius: 7px; font-size: .97rem; text-decoration: none; font-family: inherit; }
.btn:hover { background: var(--navy-2); }
.btn.gold { background: var(--gold); }
.btn.ghost { background: #fff; color: var(--navy); border: 1px solid var(--line); }
.btn.small { padding: 6px 12px; font-size: .85rem; }
.btn:disabled { opacity: .55; cursor: not-allowed; }
.btn-link { background: none; border: 0; color: var(--navy-2); cursor: pointer; text-decoration: underline; font-size: .9rem; padding: 4px; font-family: inherit; }
.btn-link.danger { color: var(--danger); }
label { display: block; font-size: .88rem; font-weight: 600; margin: 12px 0 4px; color: var(--navy); }
input, select, textarea { width: 100%; padding: 10px 11px; border: 1px solid #c4cde0; border-radius: 7px; font-size: 1rem; font-family: inherit; background: #fff; }
input:focus, select:focus, textarea:focus { outline: 2px solid var(--navy-2); outline-offset: 0; border-color: var(--navy-2); }
.row { display: grid; gap: 12px; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); }
.msg { padding: 10px 12px; border-radius: 7px; margin: 12px 0; font-size: .93rem; }
.msg.err { background: #fdecea; color: var(--danger); }
.msg.ok { background: #e6f4ec; color: var(--ok); }
.msg.info { background: #eaf0fb; color: var(--navy); }

/* calendar */
.cal-list { display: grid; gap: 8px; }
.cal-row { display: flex; gap: 14px; align-items: center; background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--navy-2); border-radius: 8px; padding: 10px 14px; }
.cal-row.urgent { border-left-color: var(--danger); background: #fff8f7; }
.cal-date { min-width: 150px; display: flex; flex-direction: column; font-size: .92rem; }
.cal-date span { color: var(--muted); font-size: .8rem; }
.cal-main { flex: 1; }
.chip { display: inline-block; font-size: .72rem; font-weight: 700; padding: 2px 8px; border-radius: 99px; background: #e8edf7; color: var(--navy); margin-right: 6px; text-transform: uppercase; letter-spacing: .03em; }
.chip-gst { background: #e3f1e8; color: #1c6a3d; }
.chip-tds { background: #fdf0d8; color: #8a5a00; }
.chip-incometax { background: #e6e9fb; color: #2b3a9c; }
.chip-labour { background: #f7e5f3; color: #8b2a79; }
.chip-roc { background: #e1f3f6; color: #146476; }
@media (max-width: 600px) { .cal-row { flex-direction: column; align-items: flex-start; gap: 4px; } .cal-date { min-width: 0; } }

/* footer */
footer { background: var(--navy); color: #c9d4ea; padding: 26px 0; margin-top: 30px; font-size: .88rem; }
footer a { color: #fff; }

/* portal */
.auth-box { max-width: 420px; margin: 44px auto; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 26px; }
.auth-box h1 { margin: 0 0 4px; font-size: 1.35rem; color: var(--navy); }
.topbar { background: var(--navy); color: #fff; }
.topbar .wrap { display: flex; align-items: center; justify-content: space-between; min-height: 56px; gap: 10px; flex-wrap: wrap; }
.tabs { display: flex; gap: 4px; border-bottom: 1px solid var(--line); margin: 18px 0; flex-wrap: wrap; }
.tab { background: none; border: 0; padding: 10px 16px; cursor: pointer; font-size: .98rem; color: var(--muted); border-bottom: 3px solid transparent; font-family: inherit; }
.tab.active { color: var(--navy); border-bottom-color: var(--gold); font-weight: 700; }
.panel { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 16px 18px; margin-bottom: 16px; }
.panel h3 { margin: 0 0 10px; color: var(--navy); font-size: 1.05rem; }
table { width: 100%; border-collapse: collapse; font-size: .92rem; }
th, td { text-align: left; padding: 8px 10px; border-bottom: 1px solid var(--line); vertical-align: top; }
th { color: var(--muted); font-weight: 600; font-size: .8rem; text-transform: uppercase; letter-spacing: .04em; }
.table-scroll { overflow-x: auto; }
.qr { display: block; margin: 12px auto; width: 190px; height: 190px; background: #fff; }
.secret { font-family: ui-monospace, Menlo, Consolas, monospace; background: #f0f3f9; padding: 6px 8px; border-radius: 6px; word-break: break-all; font-size: .85rem; }
.hidden { display: none !important; }
.toolbar { display: flex; gap: 10px; flex-wrap: wrap; align-items: center; margin-bottom: 12px; }
.toolbar input { max-width: 320px; }

/* ---- additional page styles ---- */
.nav a.active { color: #fff; border-bottom: 2px solid var(--gold); padding-bottom: 3px; }
.page-hero { background: linear-gradient(135deg, var(--navy), var(--navy-2)); color: #fff; padding: 34px 0; }
.page-hero h1 { margin: 0 0 4px; font-size: clamp(1.5rem, 4vw, 2.1rem); }
.page-hero p { margin: 0; color: #d6dff2; max-width: 680px; }
.two-col { display: grid; gap: 22px; grid-template-columns: 1fr; }
@media (min-width: 820px) { .two-col { grid-template-columns: 1.4fr 1fr; } }
.svc { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 18px 20px; margin-bottom: 14px; }
.svc h3 { margin: 0 0 6px; color: var(--navy); }
.svc ul { margin: 6px 0 0; padding-left: 20px; color: var(--muted); }
.calc-grid { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); }
.result { background: #f2f6fd; border: 1px solid var(--line); border-radius: 8px; padding: 10px 14px; margin-top: 12px; font-size: .95rem; }
.result strong { color: var(--navy); }
.link-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); }
.link-list li a { display: block; background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 10px 14px; text-decoration: none; font-weight: 600; }
.link-list li a:hover { border-color: var(--navy-2); }
.link-list li span { display: block; font-weight: 400; color: var(--muted); font-size: .84rem; }
.hp { position: absolute; left: -9999px; height: 0; width: 0; overflow: hidden; }
.notice { background: #fff6e5; border-left: 4px solid var(--gold); padding: 10px 14px; border-radius: 6px; font-size: .92rem; margin: 14px 0; }

/* calculators */
.calc-tabs { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 18px; }
.calc-tabs button { border: 1px solid var(--line); background: #fff; color: var(--navy); padding: 8px 14px; border-radius: 99px; cursor: pointer; font-size: .92rem; font-family: inherit; }
.calc-tabs button.active { background: var(--navy); color: #fff; border-color: var(--navy); }
.calc h2 { margin: 0 0 4px; color: var(--navy); }
.calc-cols { display: grid; gap: 18px; grid-template-columns: 1fr; margin-top: 12px; align-items: start; }
@media (min-width: 860px) { .calc-cols { grid-template-columns: 1fr 1.15fr; } }
.rrow { display: flex; justify-content: space-between; gap: 14px; padding: 6px 0; border-bottom: 1px solid #e3e9f4; }
.rrow:last-child { border-bottom: 0; }
.rrow.strong { font-weight: 700; color: var(--navy); font-size: 1.04rem; }
.rhead { font-weight: 700; color: var(--navy-2); margin: 6px 0 2px; text-transform: uppercase; font-size: .78rem; letter-spacing: .05em; }
.two-res { display: grid; gap: 16px; grid-template-columns: 1fr; }
@media (min-width: 560px) { .two-res { grid-template-columns: 1fr 1fr; } }
.verdict { margin-top: 12px; padding: 10px 12px; background: #e6f4ec; color: #1f5f3a; border-radius: 8px; font-weight: 600; }
.calc .result { margin-top: 0; }

/* knowledge bank pages */
.kb-grid { grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); }
.kb-card { text-decoration: none; color: inherit; transition: border-color .15s, box-shadow .15s; }
.kb-card:hover { border-color: var(--navy-2); box-shadow: 0 2px 10px rgba(18,40,76,.12); }
.two-col.even { grid-template-columns: 1fr; }
@media (min-width: 820px) { .two-col.even { grid-template-columns: 1fr 1fr; } }
section.block h2 { margin-top: 30px; }
section.block h2:first-child { margin-top: 0; }
.chips { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 16px; }
.chips button { border: 1px solid var(--line); background: #fff; color: var(--navy); padding: 6px 14px; border-radius: 99px; cursor: pointer; font-size: .88rem; font-family: inherit; }
.chips button.active { background: var(--navy); color: #fff; border-color: var(--navy); }
.bulletin { background: #fff; border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: 8px; padding: 12px 16px; margin-bottom: 10px; }
.bulletin h3 { margin: 4px 0; font-size: 1.02rem; color: var(--navy); }
.bulletin p { margin: 4px 0 0; color: var(--muted); font-size: .93rem; }
.bulletin .meta { font-size: .8rem; color: var(--muted); }

/* ===== blue theme: header, dropdown menu, tiles, side boxes ===== */
:root { --blue: #0a5a9b; --blue-2: #2670b6; --blue-3: #0d4a7f; }
.site-header { position: sticky; top: 0; z-index: 50; background: none; }
.site-header .brandbar { background: #fff; border-bottom: 1px solid var(--line); }
.site-header .brandbar .wrap { min-height: 64px; display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.site-header .brand { color: var(--navy); }
.site-header .brand small { color: var(--muted); }
.site-header .cta { background: var(--gold); color: #fff; padding: 8px 16px; border-radius: 6px; text-decoration: none; font-size: .93rem; white-space: nowrap; }
.site-header .navbar { background: var(--blue); }
.site-header .navbar .wrap { min-height: 0; display: block; padding: 0 16px; }
.burger { display: none; background: none; border: 0; color: #fff; font-size: 1.05rem; padding: 12px 4px; cursor: pointer; font-family: inherit; }
.menu, .menu ul { list-style: none; margin: 0; padding: 0; }
.menu { display: flex; flex-wrap: wrap; }
.menu li { position: relative; }
.menu a { display: block; text-decoration: none; font-size: .95rem; margin: 0; }
.menu a.top { color: #fff; padding: 13px 20px; border-right: 1px solid rgba(255,255,255,.18); }
.menu a.top:hover, .menu li:focus-within > a.top { background: var(--blue-3); }
.menu a.top.active { background: #fff; color: var(--navy); border-bottom: 0; padding-bottom: 13px; }
.caret { display: inline-block; border: 5px solid transparent; border-top-color: currentColor; border-bottom: 0; margin-left: 5px; vertical-align: middle; }
.dd, .dd2 { display: none; position: absolute; background: #fff; border: 1px solid #d5dbe6; box-shadow: 0 6px 18px rgba(0,0,0,.18); border-radius: 4px; z-index: 60; }
.dd { top: 100%; left: 0; min-width: 210px; }
.dd2 { top: -1px; left: 100%; min-width: 230px; }
.dd a, .dd2 a { color: #2b3445; padding: 8px 18px; font-size: .93rem; display: flex; justify-content: space-between; align-items: center; }
.dd a:hover, .dd2 a:hover, .dd li:focus-within > a { background: var(--blue); color: #fff; }
.arrow { border: 5px solid transparent; border-left-color: #8b95a7; border-right: 0; margin-left: 12px; }
.dd a:hover .arrow { border-left-color: #fff; }
@media (hover: hover) and (min-width: 861px) {
  .has-sub:hover > .dd, .has-sub:focus-within > .dd, .dd > .has-sub:hover > .dd2, .dd > .has-sub:focus-within > .dd2 { display: block; }
}
@media (max-width: 860px) {
  .burger { display: block; }
  .nav { display: none; }
  .nav.open { display: block; }
  .menu { display: block; }
  .menu a.top { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.15); }
  .dd, .dd2 { position: static; box-shadow: none; border: 0; border-radius: 0; background: #eaf1f9; }
  .dd2 { background: #dde8f4; }
  .dd a { padding-left: 30px; } .dd2 a { padding-left: 44px; }
  .has-sub.expanded > .dd, .has-sub.expanded > .dd2 { display: block; }
}
@media (hover: none) and (min-width: 861px) { .has-sub.expanded > .dd, .has-sub.expanded > .dd2 { display: block; } }

/* home: tiles, ticker, side boxes */
.hero { padding: 46px 0 78px; }
.tiles { margin-top: -46px; display: grid; gap: 16px; grid-template-columns: repeat(3, 1fr); position: relative; z-index: 2; }
.tile { background: var(--blue-2); color: #fff; text-align: center; padding: 18px 10px 14px; text-decoration: none; border-radius: 3px; box-shadow: 0 3px 10px rgba(0,0,0,.18); }
.tile:hover { background: var(--blue-3); }
.tile .ico { width: 62px; height: 62px; border-radius: 50%; background: #0b4a82; border: 3px solid #5d8fc6; margin: 0 auto 8px; display: flex; align-items: center; justify-content: center; font-size: 1.7rem; }
.tile b { font-size: 1.15rem; font-weight: 500; text-transform: uppercase; letter-spacing: .02em; }
@media (max-width: 600px) { .tiles { gap: 8px; } .tile b { font-size: .8rem; } .tile .ico { width: 44px; height: 44px; font-size: 1.2rem; } }
.ticker { margin: 14px 0 0; font-weight: 700; font-size: .92rem; color: var(--blue-2); text-transform: uppercase; min-height: 1.5em; overflow: hidden; white-space: nowrap; text-overflow: ellipsis; }
.ticker span { color: var(--navy); }
.home-grid { display: grid; gap: 22px; grid-template-columns: 1fr; margin-top: 14px; align-items: start; }
@media (min-width: 900px) { .home-grid { grid-template-columns: 1.8fr 1fr; } }
.title-bar { display: flex; align-items: center; gap: 14px; margin: 0 0 14px; }
.title-bar::before, .title-bar::after { content: ""; height: 1px; background: #cfd6e2; flex: 1; }
.title-bar h2 { margin: 0 !important; padding: 2px 14px; border-left: 4px solid var(--blue); border-right: 4px solid var(--blue); font-weight: 400; font-size: 1.4rem !important; text-transform: uppercase; color: #333 !important; }
.title-bar h2 b { color: var(--navy); }
.welcome-box { background: #eee; padding: 22px 24px; }
.welcome-box p { color: #555; margin: 0 0 12px; }
.sbox { background: #fff; border: 1px solid #cfd8e6; margin-bottom: 18px; }
.sbox > h3 { margin: 0; background: var(--blue-2); color: #fff; text-align: center; padding: 14px 8px; font-size: 1.3rem; font-weight: 500; text-transform: uppercase; }
.sbox .sbody { max-height: 280px; overflow-y: auto; padding: 6px 10px; }
.sbox .upd { background: var(--blue); color: #fff; text-align: center; font-size: .84rem; font-weight: 700; padding: 5px; }
.sbox .sbody .bulletin { border: 0; border-left: 0; border-bottom: 1px solid #e3e9f4; border-radius: 0; margin: 0; padding: 8px 2px; }
.sbox .sbody .bulletin h3 { font-size: .93rem; font-weight: 500; margin: 2px 0; }
.sbox .sbody .bulletin h3 a { color: #1a3fc4; text-decoration: none; }
.sbox .sbody .bulletin h3 a:hover { text-decoration: underline; }
.sbox .sbody .bulletin .meta { font-weight: 700; color: #222; font-size: .85rem; }
.sbox .cal-row { padding: 7px 8px; gap: 8px; flex-direction: column; align-items: flex-start; border-radius: 0; border: 0; border-bottom: 1px solid #e3e9f4; border-left: 3px solid var(--blue-2); margin: 0; }
.sbox .cal-row.urgent { border-left-color: var(--danger); }
.sbox .cal-list { gap: 0; }
.sbox .cal-date { min-width: 0; flex-direction: row; gap: 8px; font-size: .85rem; }
.sbox .cal-main { font-size: .88rem; }
.sbox .sfoot { padding: 8px; text-align: center; border-top: 1px solid #e3e9f4; font-size: .88rem; }
.mini-svc { display: grid; gap: 10px; grid-template-columns: repeat(auto-fill, minmax(190px, 1fr)); margin-top: 18px; }
.mini-svc .card { padding: 12px 14px; }
.page-hero { background: linear-gradient(135deg, var(--blue-3), var(--blue-2)); }
.hero { background: linear-gradient(135deg, var(--navy), var(--blue-3)); }
/* calculator groups */
.calc-groups { display: grid; gap: 8px 18px; margin-bottom: 18px; }
.calc-groups .grp { display: flex; flex-wrap: wrap; align-items: center; gap: 6px; }
.calc-groups .grp > b { min-width: 120px; font-size: .8rem; text-transform: uppercase; letter-spacing: .05em; color: var(--muted); }

/* ===== animations ===== */
body { animation: pageIn .6s ease both; }
@keyframes pageIn { from { opacity: 0; } to { opacity: 1; } }
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s ease, transform .7s cubic-bezier(.2,.7,.2,1); }
.reveal.in { opacity: 1; transform: none; }
.tile.reveal.in, .card.reveal.in, .kb-card.reveal.in { transition: opacity .7s ease, transform .25s ease, box-shadow .25s ease, background .2s; }
/* hero: gradient drift + staged entrance + floating shapes */
.hero, .page-hero { background-size: 200% 200%; animation: drift 14s ease-in-out infinite; position: relative; overflow: hidden; }
@keyframes drift { 0%,100% { background-position: 0% 50%; } 50% { background-position: 100% 50%; } }
.hero::before, .hero::after, .page-hero::before { content: ""; position: absolute; border-radius: 50%; background: rgba(255,255,255,.06); pointer-events: none; }
.hero::before { width: 320px; height: 320px; right: -60px; top: -90px; animation: floaty 9s ease-in-out infinite; }
.hero::after { width: 190px; height: 190px; right: 24%; bottom: -80px; animation: floaty 12s ease-in-out infinite reverse; }
.page-hero::before { width: 220px; height: 220px; right: -40px; top: -70px; animation: floaty 10s ease-in-out infinite; }
@keyframes floaty { 0%,100% { transform: translate(0,0); } 50% { transform: translate(-24px, 18px); } }
.hero .wrap, .page-hero .wrap { position: relative; z-index: 1; }
.hero h1, .hero p, .hero .btn, .page-hero h1, .page-hero p { animation: riseIn .8s cubic-bezier(.2,.7,.2,1) both; }
.hero p { animation-delay: .15s; } .hero .btn { animation-delay: .3s; } .hero .btn + .btn { animation-delay: .4s; } .page-hero p { animation-delay: .12s; }
@keyframes riseIn { from { opacity: 0; transform: translateY(22px); } to { opacity: 1; transform: none; } }
/* hover effects */
.btn { transition: transform .15s ease, background .2s, box-shadow .2s; }
.btn:hover { transform: translateY(-2px); box-shadow: 0 5px 12px rgba(18,40,76,.22); }
.card, .svc, .link-list li a { transition: transform .25s ease, box-shadow .25s ease, border-color .2s; }
.card:hover, .svc:hover { transform: translateY(-4px); box-shadow: 0 8px 20px rgba(18,40,76,.12); }
.link-list li a:hover { transform: translateY(-2px); box-shadow: 0 5px 14px rgba(18,40,76,.12); }
.tile { transition: transform .25s ease, box-shadow .25s ease, background .2s; }
.tile:hover { transform: translateY(-6px); box-shadow: 0 10px 22px rgba(0,0,0,.25); }
.tile .ico { animation: pulse 3.2s ease-in-out infinite; }
.tile:nth-child(2) .ico { animation-delay: .5s; } .tile:nth-child(3) .ico { animation-delay: 1s; }
@keyframes pulse { 0%,100% { box-shadow: 0 0 0 0 rgba(255,255,255,.35); } 50% { box-shadow: 0 0 0 10px rgba(255,255,255,0); } }
.site-header .cta { transition: transform .15s, background .2s; }
.site-header .cta:hover { transform: translateY(-2px); background: #a07623; }
.menu a.top { transition: background .2s; }
/* dropdown slide */
@keyframes ddIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
@keyframes dd2In { from { opacity: 0; transform: translateX(-8px); } to { opacity: 1; transform: none; } }
.has-sub:hover > .dd, .has-sub:focus-within > .dd, .has-sub.expanded > .dd { animation: ddIn .2s ease; }
.dd > .has-sub:hover > .dd2, .dd > .has-sub:focus-within > .dd2, .dd > .has-sub.expanded > .dd2 { animation: dd2In .2s ease; }
/* ticker + live boxes */
#ticker-text.swap { animation: tickIn .5s ease; }
@keyframes tickIn { from { opacity: 0; transform: translateX(24px); } to { opacity: 1; transform: none; } }
.sbox .ctrl { display: flex; justify-content: center; gap: 8px; padding: 5px; background: #f2f6fd; border-top: 1px solid #e3e9f4; }
.sbox .ctrl button { border: 1px solid #c4cde0; background: #fff; color: var(--navy); width: 34px; height: 26px; border-radius: 4px; cursor: pointer; font-size: .75rem; transition: background .15s, transform .1s; }
.sbox .ctrl button:hover { background: #dce8f6; } .sbox .ctrl button:active { transform: scale(.92); }
.sbox .ctrl button.on { background: var(--blue-2); color: #fff; border-color: var(--blue-2); }
.sbox .sbody { scroll-behavior: auto; }
.cal-row.urgent { animation: urgent 2.4s ease-in-out infinite; }
@keyframes urgent { 0%,100% { background-color: #fff8f7; } 50% { background-color: #ffe9e6; } }
/* calculator results */
.result { animation: fadeUp .35s ease; }
@keyframes fadeUp { from { opacity: .4; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.calc:not(.hidden) { animation: fadeUp .35s ease; }
/* reveal items stay visible if the visitor prefers less motion; big movement is switched off */
@media (prefers-reduced-motion: reduce) {
  body, .hero, .page-hero, .hero::before, .hero::after, .page-hero::before, .tile .ico, .cal-row.urgent { animation: none !important; }
  .reveal { transform: none; transition: opacity .3s ease; }
  .card:hover, .tile:hover, .btn:hover { transform: none; }
}
.two-col { align-items: start; }

/* ===== logo, hero, ribbon, effects ===== */
.brand { display: flex; align-items: center; gap: 12px; }
.brand .logo { width: 46px; height: 46px; flex: none; filter: drop-shadow(0 2px 4px rgba(18,40,76,.25)); transition: transform .4s ease; }
.brand:hover .logo { transform: rotate(-6deg) scale(1.08); }
.brand span { display: block; }
.site-header.scrolled .brandbar { box-shadow: 0 3px 14px rgba(18,40,76,.18); }
.site-header .brandbar .wrap { transition: min-height .25s; }
.site-header.scrolled .brandbar .wrap { min-height: 52px; }
.foot-brand { display: flex; align-items: center; gap: 12px; font-size: 1rem; }
.foot-brand img { flex: none; }
footer .copy { margin-top: 12px; padding-top: 10px; border-top: 1px solid rgba(255,255,255,.18); text-align: center; color: #e6ecf8; font-size: .85rem; }
.progress { position: fixed; top: 0; left: 0; height: 3px; width: 0; background: linear-gradient(90deg, #f1cf7a, #b8892b); z-index: 100; transition: width .1s linear; }
.to-top { position: fixed; right: 18px; bottom: 18px; width: 44px; height: 44px; border-radius: 50%; border: 0; background: var(--blue); color: #fff; font-size: 1rem; cursor: pointer; opacity: 0; transform: translateY(20px); pointer-events: none; transition: opacity .3s, transform .3s, background .2s; z-index: 90; box-shadow: 0 4px 12px rgba(0,0,0,.25); }
.to-top.show { opacity: 1; transform: none; pointer-events: auto; }
.to-top:hover { background: var(--blue-3); }
.about-wide { max-width: 760px; }
/* hero */
.hero { padding: 54px 0 96px; }
.hero-grid { display: grid; gap: 24px; grid-template-columns: 1fr; align-items: center; }
@media (min-width: 860px) { .hero-grid { grid-template-columns: 1.5fr 1fr; } }
.grad { background: linear-gradient(90deg, #f6d98a, #fff, #f1cf7a); background-size: 200% auto; -webkit-background-clip: text; background-clip: text; color: transparent; animation: shimmer 5s linear infinite; }
@keyframes shimmer { to { background-position: 200% center; } }
.hero .rot { font-size: 1.25rem; margin: 0 0 10px; color: #fff; }
.hero .rot b { color: #f1cf7a; display: inline-block; transition: opacity .35s, transform .35s; }
.hero .rot b.out { opacity: 0; transform: translateY(-10px); }
.cursor { color: #f1cf7a; animation: blink 1s steps(2) infinite; margin-left: 2px; }
@keyframes blink { 50% { opacity: 0; } }
.hero-logo { position: relative; display: none; justify-content: center; align-items: center; min-height: 260px; }
@media (min-width: 860px) { .hero-logo { display: flex; } }
.hero-logo img { position: relative; z-index: 2; width: 220px; height: 220px; animation: bob 5s ease-in-out infinite; filter: drop-shadow(0 12px 28px rgba(0,0,0,.4)); }
@keyframes bob { 0%,100% { transform: translateY(0) rotate(-1.5deg); } 50% { transform: translateY(-14px) rotate(1.5deg); } }
.hero-logo .ring { position: absolute; border: 2px solid rgba(241,207,122,.45); border-radius: 50%; animation: ripple 4s ease-out infinite; }
.hero-logo .r1 { width: 240px; height: 240px; } .hero-logo .r2 { width: 240px; height: 240px; animation-delay: 2s; }
@keyframes ripple { 0% { transform: scale(.8); opacity: .9; } 100% { transform: scale(1.5); opacity: 0; } }
.hero .wave { position: absolute; left: 0; bottom: -1px; width: 100%; height: 70px; z-index: 1; pointer-events: none; }
.wave .w1 { fill: rgba(245,247,251,.55); animation: waveX 9s ease-in-out infinite alternate; }
.wave .w2 { fill: #f5f7fb; animation: waveX 7s ease-in-out infinite alternate-reverse; }
@keyframes waveX { from { transform: scaleX(1.14) translateX(-3.5%); } to { transform: scaleX(1.14) translateX(3.5%); } }
.hero .wave path { transform-origin: center; }
.btn.shine { position: relative; overflow: hidden; }
.btn.shine::after { content: ""; position: absolute; top: 0; left: -80%; width: 50%; height: 100%; background: linear-gradient(100deg, transparent, rgba(255,255,255,.55), transparent); transform: skewX(-20deg); animation: shineMove 3.2s ease-in-out infinite; }
@keyframes shineMove { 0% { left: -80%; } 60%, 100% { left: 140%; } }
/* ribbon */
.ribbon { background: var(--blue); color: #fff; overflow: hidden; padding: 12px 0; margin-top: 18px; }
.ribbon .track { display: flex; gap: 38px; width: max-content; animation: marquee 38s linear infinite; }
.ribbon:hover .track { animation-play-state: paused; }
.ribbon span { white-space: nowrap; text-transform: uppercase; letter-spacing: .08em; font-size: .88rem; font-weight: 600; }
.ribbon span::before { content: "\2726"; color: #f1cf7a; margin-right: 38px; }
@keyframes marquee { to { transform: translateX(-50%); } }
/* why us */
.why-card { text-align: center; padding: 22px 16px; }
.why-card .wi { width: 56px; height: 56px; margin: 0 auto 10px; border-radius: 50%; background: #e8f0fb; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; color: var(--blue); animation: floatY 3.5s ease-in-out infinite; }
.why-card:nth-child(2) .wi { animation-delay: .4s; } .why-card:nth-child(3) .wi { animation-delay: .8s; } .why-card:nth-child(4) .wi { animation-delay: 1.2s; }
@keyframes floatY { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-7px); } }
/* animated heading underline */
section.block h2:not(.exp-title)::after, .exp-title::after { content: ""; display: block; width: 0; height: 3px; margin-top: 6px; background: linear-gradient(90deg, var(--gold), transparent); transition: width .9s ease .2s; }
section.block .reveal.in h2::after, section.block h2.reveal.in::after, .exp-title.in::after { width: 70px; }
.title-bar h2::after { display: none; }
.exp-list { padding-left: 22px; } .exp-list li { margin: 8px 0; }
.sbox .bulletin h3 { line-height: 1.35; }
@media (prefers-reduced-motion: reduce) {
  .grad, .cursor, .hero-logo img, .hero-logo .ring, .wave path, .btn.shine::after, .ribbon .track, .why-card .wi { animation: none !important; }
}

.hero .btn, .hero .btn.ghost { vertical-align: top; }

/* official CA logo */
.brand .logo { width: auto; height: 44px; filter: none; }
.foot-logo { background: #fff; border-radius: 8px; padding: 6px 10px; display: inline-flex; flex: none; }
.foot-logo img { display: block; }
.hero-logo .badge { position: relative; z-index: 2; background: #fff; border-radius: 22px; padding: 26px 30px; box-shadow: 0 16px 40px rgba(0,0,0,.4), 0 0 0 6px rgba(255,255,255,.12); animation: bob 5s ease-in-out infinite; }
.hero-logo .badge img { display: block; width: 230px; height: auto; animation: none; filter: none; }
.hero-logo > img { display: none; }
.hero-logo .badge::after { content: ""; position: absolute; inset: 0; border-radius: 22px; background: linear-gradient(110deg, transparent 35%, rgba(255,255,255,.7) 50%, transparent 65%); background-size: 250% 100%; animation: sweep 4.5s ease-in-out 2s infinite; pointer-events: none; mix-blend-mode: soft-light; }
@keyframes sweep { 0% { background-position: 150% 0; } 50%, 100% { background-position: -50% 0; } }
@media (prefers-reduced-motion: reduce) { .hero-logo .badge, .hero-logo .badge::after { animation: none !important; } }