/* ============================================================
   P.K. Dang & Associates — Ledger Theme, refined
   ============================================================ */

:root{
  /* Colors */
  --paper:        #F7F3E9;   /* warm ivory, single tone — no stripes */
  --paper-raised: #FFFFFF;
  --paper-line:   #E4DCC6;
  --ink:          #1C2320;   /* near-black warm charcoal for body copy */
  --ink-soft:     #52584F;
  --navy:         #12203A;   /* deep ledger-navy for headings / dark sections */
  --navy-soft:    #2B3B57;
  --stamp:        #8A2A2A;   /* muted brick/maroon — the "wax seal" red */
  --stamp-dark:   #6E2020;
  --gold:         #A9812E;
  --gold-soft:    #C9A94F;

  --shadow: 0 1px 2px rgba(18,32,58,0.04), 0 8px 24px rgba(18,32,58,0.06);
  --shadow-lg: 0 12px 40px rgba(18,32,58,0.14);

  --radius-s: 3px;
  --radius-m: 6px;

  --serif: "Fraunces", serif;
  --sans: "IBM Plex Sans", -apple-system, BlinkMacSystemFont, sans-serif;
  --mono: "IBM Plex Mono", monospace;
}

*{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }
body{
  margin:0;
  background: var(--paper);
  background-image:
    radial-gradient(ellipse at top left, rgba(169,129,46,0.05), transparent 55%),
    radial-gradient(ellipse at bottom right, rgba(138,42,42,0.04), transparent 55%);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img{ max-width:100%; display:block; }
a{ color:inherit; text-decoration:none; }
.mono{ font-family: var(--mono); }

.wrap{
  max-width: 1160px;
  margin: 0 auto;
  padding: 0 32px;
}

h1,h2,h3,h4{
  font-family: var(--serif);
  color: var(--navy);
  margin: 0 0 0.4em;
  font-weight: 600;
  letter-spacing: -0.01em;
}
p{ margin: 0 0 1em; color: var(--ink-soft); }

.eyebrow{
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--stamp);
  margin-bottom: 12px;
  display:flex;
  align-items:center;
  gap:10px;
}
.eyebrow::before{
  content:"";
  width: 22px; height:1px;
  background: var(--stamp);
  display:inline-block;
}

section{ padding: 96px 0; border-bottom: 1px solid var(--paper-line); }
.section-head{ max-width: 640px; margin-bottom: 56px; }
.section-head h2{ font-size: clamp(28px,3.4vw,38px); }
.section-head p{ font-size: 16px; }

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding: 13px 26px;
  font-family: var(--sans);
  font-weight: 600;
  font-size: 14.5px;
  border-radius: var(--radius-s);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: all .18s ease;
  white-space: nowrap;
}
.btn-primary{
  background: var(--stamp);
  color: #fff;
  border-color: var(--stamp);
  box-shadow: 0 4px 14px rgba(138,42,42,0.28);
}
.btn-primary:hover{ background: var(--stamp-dark); border-color: var(--stamp-dark); transform: translateY(-1px); }
.btn-ghost{
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-ghost:hover{ background: var(--navy); color:#fff; }

/* ============================================================
   HEADER
   ============================================================ */
header{
  position: sticky; top:0; z-index: 50;
  background: rgba(247,243,233,0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--paper-line);
}
.nav{
  display:flex; align-items:center; justify-content:space-between;
  padding: 16px 32px;
}
.brand{ display:flex; align-items:center; gap:12px; }
.brand-mark img{ width:44px; height:44px; border-radius:50%; object-fit:cover; border:1.5px solid var(--paper-line); }
.brand-text .name{ font-family: var(--serif); font-weight:600; font-size:18px; color:var(--navy); line-height:1.2; }
.brand-text .sub{ font-family: var(--mono); font-size:10.5px; letter-spacing:.1em; text-transform:uppercase; color:var(--ink-soft); }

.nav-links{ display:flex; gap:30px; }
.nav-links a{
  font-size: 14.5px; font-weight:500; color: var(--ink); position:relative; padding: 4px 0;
}
.nav-links a::after{
  content:""; position:absolute; left:0; right:0; bottom:-2px; height:2px;
  background: var(--stamp); transform: scaleX(0); transform-origin:left; transition: transform .18s ease;
}
.nav-links a:hover::after{ transform: scaleX(1); }

.nav-cta{ display:flex; gap:12px; }
.menu-toggle{ display:none; background:none; border:none; cursor:pointer; flex-direction:column; gap:5px; padding:6px; }
.menu-toggle span{ width:22px; height:2px; background:var(--navy); display:block; }

/* ============================================================
   HERO
   ============================================================ */
.hero{ padding: 88px 0 72px; border-bottom: 1px solid var(--paper-line); }
.hero-grid{
  display:grid; grid-template-columns: 1.15fr 0.85fr; gap: 64px; align-items:center;
}
.hero h1{
  font-size: clamp(34px, 4.6vw, 54px);
  line-height: 1.08;
  margin-bottom: 22px;
}
.hero h1 em{ font-style: italic; color: var(--stamp); font-weight:500; }
.hero .lede{ font-size: 17.5px; max-width: 520px; margin-bottom: 32px; }
.cta-row{ display:flex; gap:14px; flex-wrap:wrap; margin-bottom: 44px; }

.trust-row{
  display:grid; grid-template-columns: repeat(4,1fr); gap:0;
  border-top: 1px solid var(--paper-line);
  padding-top: 24px;
}
.trust-item{
  font-size: 13px; color: var(--ink-soft);
  padding-right: 16px;
  border-right: 1px solid var(--paper-line);
}
.trust-item:last-child{ border-right:none; }
.trust-item b{
  display:block; font-family: var(--serif); font-size: 17px; color: var(--navy);
  margin-bottom: 3px; font-weight:600;
}

.seal-wrap{ display:flex; justify-content:center; }
.seal-wrap svg{ width: 100%; max-width: 340px; height:auto; filter: drop-shadow(0 8px 20px rgba(138,42,42,0.1)); }

/* ============================================================
   HERO — full-bleed photo variant (pklakhani.com-style)
   Swap assets/hero-photo.jpg for a real office/team photo.
   This block is self-contained — safe to remove or swap back
   to the plain .hero block above without touching anything else.
   ============================================================ */
.hero-photo{
  position: relative;
  min-height: 640px;
  display: flex;
  align-items: center;
  border-bottom: 1px solid var(--paper-line);
  overflow: hidden;
}
.hero-photo-media{
  position: absolute; inset: 0;
}
.hero-photo-media img{
  width: 100%; height: 100%; object-fit: cover; object-position: center;
}
.hero-photo-overlay{
  position: absolute; inset: 0;
  background:
    linear-gradient(180deg, rgba(13,23,41,0.78) 0%, rgba(13,23,41,0.6) 45%, rgba(13,23,41,0.82) 100%);
}
.hero-photo-content{
  position: relative; z-index: 2;
  padding: 80px 32px;
  max-width: 820px;
}
.eyebrow-light{ color: var(--gold-soft); }
.eyebrow-light::before{ background: var(--gold-soft); }

.hero-photo-content h1{
  color: #fff;
  font-size: clamp(32px, 4.4vw, 50px);
  line-height: 1.14;
  margin-bottom: 10px;
}
.hero-photo-content h1 .accent-gold{
  display:block;
  color: var(--gold-soft);
  font-style: italic;
  font-weight: 500;
}
.lede-light{
  color: rgba(255,255,255,0.86);
  font-size: 17.5px;
  max-width: 560px;
  margin-bottom: 32px;
}
.btn-outline-light{
  background: transparent;
  color: #fff;
  border-color: rgba(255,255,255,0.55);
}
.btn-outline-light:hover{
  background: rgba(255,255,255,0.12);
  border-color: #fff;
}
.hero-stat-row{
  display: flex;
  flex-wrap: wrap;
  gap: 12px 28px;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.22);
}
.hero-stat-row span{
  font-family: var(--mono);
  font-size: 12.5px;
  letter-spacing: 0.02em;
  color: rgba(255,255,255,0.82);
  position: relative;
  padding-left: 16px;
}
.hero-stat-row span::before{
  content:"";
  position:absolute; left:0; top:50%; transform: translateY(-50%);
  width:6px; height:6px; border-radius:50%;
  background: var(--gold-soft);
}

@media (max-width: 980px){
  .hero-photo{ min-height: 560px; }
  .hero-photo-content{ padding: 56px 22px; }
}
@media (max-width: 560px){
  .hero-photo{ min-height: 520px; }
  .cta-row .btn-outline-light{ width: 100%; justify-content:center; }
}

.nav-highlight{
  background: rgba(138,42,42,0.08);
  color: var(--stamp) !important;
  padding: 6px 12px;
  border-radius: 20px;
  font-weight: 600;
}
.nav-highlight::after{ display:none; }
.nav-highlight:hover{ background: var(--stamp); color:#fff !important; }

/* ============================================================
   TOOLS STRIP — quick access to PHP tools
   ============================================================ */
.tools-strip{
  background: var(--navy);
  padding: 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.tools-strip-inner{
  display:grid; grid-template-columns: 1fr 1fr 1fr; gap: 1px;
  background: rgba(255,255,255,0.08);
}
.tool-pill{
  background: var(--navy);
  display:flex; align-items:center; gap:16px;
  padding: 22px 32px;
  transition: background .15s ease;
}
.tool-pill:hover{ background: #1a2c4a; }
.tool-pill-icon{ font-size: 26px; flex-shrink:0; }
.tool-pill-text{ display:flex; flex-direction:column; gap:2px; flex:1; }
.tool-pill-text b{ color:#fff; font-size:15.5px; font-family:var(--sans); }
.tool-pill-text{ color: rgba(255,255,255,0.65); font-size:13px; }
.tool-pill-arrow{ color: var(--gold-soft); font-size:18px; flex-shrink:0; transition: transform .15s ease; }
.tool-pill:hover .tool-pill-arrow{ transform: translateX(4px); }

@media (max-width: 900px){
  .tools-strip-inner{ grid-template-columns: 1fr; }
  .tool-pill{ padding: 18px 22px; }
}

/* ============================================================
   SERVICES — ledger
   ============================================================ */
.ledger{ border-top: 1px solid var(--paper-line); }
.ledger-row{
  display:grid;
  grid-template-columns: 64px 1fr 1.6fr;
  gap: 28px;
  align-items: baseline;
  padding: 26px 0;
  border-bottom: 1px solid var(--paper-line);
  transition: background .15s ease;
}
.ledger-row:hover{ background: rgba(169,129,46,0.05); }
.folio{
  font-size: 13px; color: var(--gold); font-weight:600; letter-spacing:.05em;
}
.ledger-row h3{ font-size: 19px; margin:0; }
.ledger-row .desc{ font-size: 14.5px; color: var(--ink-soft); }

/* ============================================================
   CALCULATOR — "ledger book"
   ============================================================ */
.calc-section{ background: var(--paper-raised); }
.ledger-book{
  background: #fff;
  border: 1px solid var(--paper-line);
  border-radius: var(--radius-m);
  box-shadow: var(--shadow-lg);
  overflow:hidden;
}
.ledger-book-top{
  display:flex; align-items:center; justify-content:space-between;
  background: var(--navy);
  padding: 20px 32px;
}
.ledger-book-top .title{
  font-family: var(--mono); color: #fff; font-size: 12.5px; letter-spacing:.1em; text-transform:uppercase;
}
.tabs{ display:flex; gap:8px; }
.tab-btn{
  font-family: var(--sans); font-weight:600; font-size:13.5px;
  padding: 9px 18px; border-radius: var(--radius-s); border:1px solid rgba(255,255,255,0.25);
  background: transparent; color: rgba(255,255,255,0.75); cursor:pointer; transition: all .15s ease;
}
.tab-btn.active{ background:#fff; color: var(--navy); border-color:#fff; }

.ledger-book-body{ padding: 44px; }
.calc-grid{ display:grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items:start; }

.field{ margin-bottom: 20px; }
.field label{ display:block; font-family: var(--mono); font-size:11.5px; letter-spacing:.08em; text-transform:uppercase; color: var(--ink-soft); margin-bottom:8px; }
.field input[type=number]{
  width:100%; padding: 13px 16px; font-size: 16px; font-family: var(--mono);
  border: 1.5px solid var(--paper-line); border-radius: var(--radius-s); background: var(--paper);
  color: var(--navy); transition: border-color .15s ease;
}
.field input[type=number]:focus{ outline:none; border-color: var(--stamp); background:#fff; }

.check-field{ display:flex; align-items:center; gap:9px; margin-bottom: 18px; }
.check-field input{ width:16px; height:16px; accent-color: var(--stamp); }
.check-field label{ font-size: 13.5px; color: var(--ink-soft); }

.calc-note{ font-size: 12.5px; color: var(--ink-soft); line-height:1.55; border-top:1px dashed var(--paper-line); padding-top:14px; }

.rate-btns{ display:flex; gap:8px; flex-wrap:wrap; }
.rate-btn{
  padding: 9px 16px; border-radius: var(--radius-s); border: 1.5px solid var(--paper-line);
  background: var(--paper); font-family: var(--mono); font-size: 13px; font-weight:600; color: var(--ink-soft);
  cursor:pointer; transition: all .15s ease;
}
.rate-btn.active{ background: var(--navy); border-color: var(--navy); color:#fff; }

.result-slip{
  background: var(--paper);
  border: 1px solid var(--paper-line);
  border-radius: var(--radius-m);
  padding: 28px;
  position:relative;
}
.result-row{
  display:flex; justify-content:space-between; align-items:center;
  padding: 11px 0; border-bottom: 1px dashed var(--paper-line);
  font-family: var(--mono); font-size: 14px; color: var(--ink-soft);
}
.result-row.total{
  border-bottom:none; margin-top: 4px; padding-top: 16px;
  font-size: 18px; font-weight:700; color: var(--navy);
}
.stamp-mark{
  margin-top: 22px; text-align:center;
  font-family: var(--mono); font-size: 11px; letter-spacing:.12em; text-transform:uppercase;
  color: var(--stamp); border: 1.5px dashed var(--stamp); border-radius: var(--radius-s);
  padding: 10px; opacity: 0.85;
}

/* ============================================================
   UPDATES
   ============================================================ */
.updates-grid{ display:grid; grid-template-columns: 0.9fr 1.4fr; gap: 32px; align-items:start; }
.source-panel, .circular-panel{
  background: #fff; border: 1px solid var(--paper-line); border-radius: var(--radius-m);
  padding: 28px; box-shadow: var(--shadow);
}
.source-panel h3, .circular-panel h3{ font-size: 16px; margin-bottom: 18px; }
.panel-note{ font-size:12.5px; margin-top:-10px; margin-bottom:20px; color:var(--ink-soft); }

.source-link-item{
  display:flex; align-items:center; justify-content:space-between;
  padding: 14px 0; border-bottom: 1px solid var(--paper-line);
}
.source-link-item:last-child{ border-bottom:none; }
.source-link-item .label{ font-size: 14px; font-weight:600; color: var(--navy); display:block; }
.source-link-item .sub{ display:block; font-size:12px; font-weight:400; color: var(--ink-soft); margin-top:2px; }
.source-link-item .go{ font-family: var(--mono); font-size:12px; color: var(--stamp); flex-shrink:0; margin-left:12px; }
.source-link-item:hover .label{ color: var(--stamp); }

.circular-row{ padding: 20px 0; border-bottom: 1px solid var(--paper-line); }
.circular-row:last-child{ border-bottom:none; padding-bottom:0; }
.circular-top{ display:flex; align-items:center; gap:10px; margin-bottom:8px; }
.circular-tag{
  font-family: var(--mono); font-size:10.5px; letter-spacing:.06em; text-transform:uppercase;
  background: rgba(138,42,42,0.1); color: var(--stamp); padding: 4px 9px; border-radius: 3px; font-weight:600;
}
.circular-date{ font-size:12px; color: var(--ink-soft); }
.circular-row h4{ font-size:16.5px; margin: 0 0 8px; }
.circ-desc{ font-size:13.5px; color: var(--ink-soft); margin-bottom:10px; }
.circ-link{ font-size:13px; font-weight:600; color: var(--navy); }
.circ-link:hover{ color: var(--stamp); }

/* ============================================================
   INSIGHTS
   ============================================================ */
.insights-layout{ display:grid; grid-template-columns: 1.5fr 1fr; gap:32px; }
.featured-story{
  background:#fff; border:1px solid var(--paper-line); border-radius: var(--radius-m);
  overflow:hidden; box-shadow: var(--shadow); transition: box-shadow .18s ease, transform .18s ease;
}
.featured-story:hover{ box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.featured-banner{
  background: var(--navy); padding: 40px 32px;
  display:flex; justify-content:space-between; align-items:center;
}
.fb-tag{ font-family: var(--mono); font-size:11px; letter-spacing:.1em; text-transform:uppercase; color: var(--gold-soft); }
.fb-mark{ font-family: var(--serif); font-size: 22px; color:#fff; font-style:italic; }
.featured-body{ padding: 32px; }
.featured-body h3{ font-size: 24px; }
.excerpt{ font-size: 14.5px; }
.article-meta{ display:flex; justify-content:space-between; font-size:12.5px; color: var(--ink-soft); margin-top: 18px; font-family: var(--mono); }

.latest-panel{
  background:#fff; border:1px solid var(--paper-line); border-radius: var(--radius-m);
  padding: 26px; box-shadow: var(--shadow);
}
.latest-panel-top{ font-weight:700; font-size:14px; margin-bottom:16px; color:var(--navy); }
.latest-list{ list-style:none; margin:0; padding:0; }
.latest-list li{ border-bottom:1px solid var(--paper-line); }
.latest-list li:last-child{ border-bottom:none; }
.latest-list a{ display:flex; gap:12px; align-items:flex-start; padding: 13px 0; }
.rank{ font-family: var(--mono); font-size:12px; color: var(--gold); font-weight:700; flex-shrink:0; margin-top:2px; }
.latest-text{ font-size: 14px; color: var(--ink); line-height:1.4; }
.latest-list a:hover .latest-text{ color: var(--stamp); }
.latest-more{ display:block; text-align:center; margin-top: 16px; font-size:13px; font-weight:600; color: var(--stamp); }

/* ============================================================
   INSIGHTS — 3-card grid (replaces old featured/latest layout)
   ============================================================ */
.insights-head{
  display:flex; align-items:flex-end; justify-content:space-between; gap:24px;
  margin-bottom: 44px;
}
.insights-head .section-head{ margin-bottom:0; }
.view-all-link{
  font-size: 14px; font-weight:600; color: var(--stamp); white-space:nowrap; padding-bottom:6px;
}
.view-all-link:hover{ color: var(--stamp-dark); }

.insight-grid{
  display:grid; grid-template-columns: repeat(3,1fr); gap: 28px;
}
.insight-card{
  background:#fff; border:1px solid var(--paper-line); border-radius: var(--radius-m);
  overflow:hidden; box-shadow: var(--shadow);
  display:flex; flex-direction:column;
  transition: box-shadow .18s ease, transform .18s ease;
}
.insight-card:hover{ box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.insight-thumb{ aspect-ratio: 16/9; overflow:hidden; background: var(--paper); }
.insight-thumb img{ width:100%; height:100%; object-fit:cover; }
.insight-body{ padding: 22px 22px 26px; display:flex; flex-direction:column; flex:1; }
.insight-tag{
  font-family: var(--mono); font-size:11px; font-weight:700; letter-spacing:.06em; text-transform:uppercase;
  color: var(--stamp); margin-bottom: 8px;
}
.insight-date{ font-size:12.5px; color: var(--ink-soft); display:block; margin-bottom:12px; }
.insight-body h3{ font-size: 17.5px; line-height:1.32; margin-bottom:10px; }
.insight-body p{ font-size:13.5px; color: var(--ink-soft); margin:0; line-height:1.5; }

@media (max-width: 980px){
  .insight-grid{ grid-template-columns: 1fr; }
  .insights-head{ flex-direction:column; align-items:flex-start; gap:12px; }
}

/* ============================================================
   ABOUT
   ============================================================ */
.about-grid{ display:grid; grid-template-columns: 0.85fr 1.6fr; gap: 56px; align-items:center; }
.about-card{ text-align:center; }
.about-photo{
  width: 168px; height:168px; border-radius:50%; overflow:hidden; margin: 0 auto 20px;
  border: 4px solid #fff; box-shadow: var(--shadow-lg);
}
.about-photo img{ width:100%; height:100%; object-fit:cover; }
.about-card .role{ font-family: var(--mono); font-size:11px; letter-spacing:.1em; text-transform:uppercase; color: var(--stamp); margin-bottom:6px; }
.about-card h3{ font-size:20px; margin-bottom:4px; }
.about-card .firm{ font-size:13px; color: var(--ink-soft); }
.about-body p{ font-size: 15.5px; }

/* ============================================================
   WHY
   ============================================================ */
.why{ background: var(--paper-raised); }
.why-grid{ display:grid; grid-template-columns: repeat(3,1fr); gap: 28px; }
.why-card{
  background: var(--paper); border: 1px solid var(--paper-line); border-radius: var(--radius-m);
  padding: 30px 26px;
}
.why-card .num{
  width:38px; height:38px; border-radius:50%; border: 1.5px solid var(--stamp);
  color: var(--stamp); display:flex; align-items:center; justify-content:center;
  font-size: 15px; font-weight:700; margin-bottom: 18px;
}
.why-card h3{ font-size:17px; }
.why-card p{ font-size: 14px; margin:0; }

/* ============================================================
   CONTACT
   ============================================================ */
.contact{ background: var(--navy); border-bottom:none; }
.contact-grid{ display:grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items:stretch; }
.contact-card .eyebrow{ color: var(--gold-soft); }
.contact-card .eyebrow::before{ background: var(--gold-soft); }
.contact-card h2{ color:#fff; }
.contact-item{
  display:flex; gap:14px; align-items:flex-start; margin-bottom: 20px; color: rgba(255,255,255,0.82); font-size:15px;
}
.contact-item a{ color: rgba(255,255,255,0.82); }
.contact-item a:hover{ color: var(--gold-soft); }
.contact-item .ic{ font-size:17px; margin-top:1px; }
.contact .cta-row{ margin-top: 30px; margin-bottom:0; }

.map-frame{ border-radius: var(--radius-m); overflow:hidden; min-height: 320px; box-shadow: var(--shadow-lg); }
.map-frame iframe{ width:100%; height:100%; min-height:320px; border:0; }

/* ============================================================
   FOOTER
   ============================================================ */
footer{ background: #0D1729; padding: 40px 0 28px; }
.footer-grid{ display:flex; justify-content:space-between; align-items:center; flex-wrap:wrap; gap:10px; }
.fname{ font-family: var(--serif); font-weight:600; color:#fff; font-size:16px; }
footer p{ color: rgba(255,255,255,0.5); font-size:13px; margin:0; }
.disclaimer{
  max-width: 1160px; margin: 24px auto 0; padding: 20px 32px 0 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
  font-size: 12px; line-height:1.6; color: rgba(255,255,255,0.42);
}

/* ============================================================
   WHATSAPP FLOAT
   ============================================================ */
.wa-float{
  position: fixed; right: 26px; bottom: 26px; z-index: 60;
  width: 58px; height:58px; border-radius:50%;
  background: #25D366; display:flex; align-items:center; justify-content:center;
  box-shadow: 0 8px 24px rgba(37,211,102,0.4);
  transition: transform .18s ease;
}
.wa-float:hover{ transform: scale(1.08); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 980px){
  .wrap{ padding: 0 22px; }
  section{ padding: 64px 0; }
  .hero{ padding: 48px 0 56px; }
  .hero-grid{ grid-template-columns: 1fr; gap: 40px; }
  .seal-wrap{ order:-1; max-width: 220px; margin: 0 auto; }
  .trust-row{ grid-template-columns: repeat(2,1fr); row-gap: 18px; }
  .trust-item:nth-child(2n){ border-right:none; }
  .ledger-row{ grid-template-columns: 1fr; gap:8px; }
  .calc-grid{ grid-template-columns: 1fr; gap:28px; }
  .updates-grid{ grid-template-columns: 1fr; }
  .insights-layout{ grid-template-columns: 1fr; }
  .about-grid{ grid-template-columns: 1fr; text-align:center; }
  .why-grid{ grid-template-columns: 1fr; }
  .contact-grid{ grid-template-columns: 1fr; }
  .map-frame{ min-height: 260px; }

  .nav-links{
    display:none; flex-direction:column; gap:16px; position:absolute; top:100%; left:0; right:0;
    background: var(--paper); padding: 24px 22px; border-bottom: 1px solid var(--paper-line); box-shadow: var(--shadow);
  }
  .nav-cta .btn-ghost{ display:none; }
  .menu-toggle{ display:flex; }
}

@media (max-width: 560px){
  .nav-cta{ gap:8px; }
  .nav-cta .btn{ padding: 10px 16px; font-size:13px; }
  .hero h1{ font-size: 30px; }
  .ledger-book-body{ padding: 26px 20px; }
  .ledger-book-top{ padding: 16px 20px; flex-direction:column; align-items:flex-start; gap:12px; }
  .cta-row{ flex-direction:column; }
  .cta-row .btn{ width:100%; justify-content:center; }
}