/* =============================================================================
   BALARTRE.COM — STYLES (v2)
   IBM Plex Sans + Serif, paleta institucional brochure.
   Sections: Nav, Hero, Insights, Tools (IRR sim), About, Subscribe, Contact, Footer
   ============================================================================= */

:root {
  --color-black:        #0A0A0A;
  --color-white:        #FFFFFF;
  --color-bg-light:     #F5F5F5;
  --color-grey-mid:     #6B6B6B;
  --color-grey-dk:      #2A2A2A;
  --color-grey-rule:    #E5E5E5;
  --color-champagne:    #B8956A;
  --font-sans:  'IBM Plex Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-serif: 'IBM Plex Serif', Georgia, serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; scroll-padding-top: 80px; }
html, body { margin: 0; padding: 0; }
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button, input, textarea, select { font: inherit; }
ul { list-style: none; padding: 0; margin: 0; }

body {
  font-family: var(--font-sans);
  font-weight: 400;
  font-size: 16px;
  line-height: 1.6;
  color: var(--color-black);
  background: var(--color-white);
}

.visually-hidden {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 32px;
}
.container--medium { max-width: 960px; }
.container--narrow { max-width: 720px; }

/* =====================================================================
   WORDMARK (componente reutilizable)
   ===================================================================== */
.wordmark {
  display: inline-flex; flex-direction: column; align-items: stretch;
  width: fit-content; font-family: var(--font-sans); color: var(--color-black); line-height: 1;
}
.wordmark__first {
  font-weight: 300; text-transform: uppercase; letter-spacing: 0.4em;
  padding-right: 0.4em; font-size: 12px; margin-bottom: 6px;
}
.wordmark__main {
  font-weight: 700; text-transform: uppercase; letter-spacing: -0.015em; font-size: 38px;
}
.wordmark__rule {
  height: 1px; background: var(--color-champagne); border: none; margin: 8px 0 6px; width: 100%;
}
.wordmark__tagline {
  font-weight: 200; text-transform: uppercase; letter-spacing: 0.3em;
  color: var(--color-grey-mid); font-size: 7.5px; padding-right: 0.3em; white-space: nowrap;
}
.wordmark--small .wordmark__first { font-size: 8px; margin-bottom: 3px; letter-spacing: 0.3em; }
.wordmark--small .wordmark__main { font-size: 18px; }
.wordmark--small .wordmark__rule { margin: 4px 0 3px; }
.wordmark--small .wordmark__tagline { font-size: 5.5px; }

/* =====================================================================
   STICKY NAV
   ===================================================================== */
.nav {
  position: sticky; top: 0;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--color-grey-rule);
  z-index: 100;
}
.nav__inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 14px 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.nav__brand { display: inline-block; }
.nav__links { display: flex; gap: 28px; align-items: center; }
.nav__links a {
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-grey-dk);
  transition: color 0.2s;
  position: relative;
}
.nav__links a:hover { color: var(--color-champagne); }

/* =====================================================================
   HERO
   ===================================================================== */
.hero {
  background: var(--color-white);
}
.hero__content {
  max-width: 1100px;
  margin: 0 auto;
  padding: 90px 32px 80px;
  text-align: center;
}
.eyebrow {
  display: inline-block;
  font-size: 11px; letter-spacing: 0.3em; text-transform: uppercase;
  color: var(--color-champagne); font-weight: 500;
  margin-bottom: 24px;
}
.hero__title {
  font-family: var(--font-serif);
  font-weight: 300;
  font-size: 64px;
  line-height: 1.05;
  letter-spacing: -0.02em;
  color: var(--color-black);
  margin: 0 0 24px;
}
.hero__title em { font-style: italic; font-weight: 400; }
.hero__subtitle {
  font-family: var(--font-serif);
  font-weight: 400; font-style: italic; font-size: 22px;
  color: var(--color-grey-dk);
  line-height: 1.4;
  max-width: 600px;
  margin: 0 auto 40px;
}
.hero__rule { width: 80px; height: 1px; background: var(--color-champagne); margin: 0 auto 40px; }
.hero__ctas {
  display: flex; gap: 16px; justify-content: center; flex-wrap: wrap;
}

/* =====================================================================
   BUTTONS
   ===================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-sans);
  font-weight: 500;
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  padding: 14px 26px;
  border: 1px solid var(--color-black);
  cursor: pointer;
  transition: all 0.2s;
  background: transparent;
  color: var(--color-black);
}
.btn--primary {
  background: var(--color-black);
  color: var(--color-white);
}
.btn--primary:hover:not(:disabled) {
  background: var(--color-champagne);
  border-color: var(--color-champagne);
}
.btn--ghost {
  background: transparent;
  color: var(--color-black);
}
.btn--ghost:hover:not(:disabled) {
  background: var(--color-black);
  color: var(--color-white);
}
.btn--full { width: 100%; }
.btn:disabled { opacity: 0.5; cursor: wait; }

/* =====================================================================
   SECTION HELPERS
   ===================================================================== */
.section-header { text-align: center; margin-bottom: 50px; max-width: 700px; margin-left: auto; margin-right: auto; }
.section-header--light .section-label, .section-header--light .section-title, .section-header--light .section-subtitle { color: inherit; }
.section-label {
  display: inline-block;
  font-size: 10px; letter-spacing: 0.3em; text-transform: uppercase;
  color: var(--color-grey-mid); font-weight: 600;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--color-champagne);
  margin-bottom: 20px;
}
.section-label--champagne { color: var(--color-champagne); }
.section-label--light { color: rgba(255,255,255,0.7); }
.section-title {
  font-family: var(--font-serif);
  font-weight: 300;
  font-size: 44px;
  line-height: 1.15;
  letter-spacing: -0.015em;
  color: var(--color-black);
  margin: 0 0 16px;
}
.section-title--light { color: var(--color-white); }
.section-subtitle {
  font-family: var(--font-serif); font-style: italic;
  font-size: 18px; color: var(--color-grey-dk);
  margin: 0 auto;
  max-width: 560px;
}
.section-subtitle--light { color: rgba(255,255,255,0.85); }

/* =====================================================================
   INSIGHTS / NEWS FEED
   ===================================================================== */
.insights {
  background: var(--color-white);
  padding: 100px 0;
  border-top: 1px solid var(--color-grey-rule);
}
.insights__loading {
  text-align: center;
  color: var(--color-grey-mid);
  font-size: 14px;
  padding: 40px 0;
}
.insights__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.insight-card {
  background: var(--color-bg-light);
  padding: 36px 32px;
  border-top: 2px solid var(--color-champagne);
  display: flex;
  flex-direction: column;
}
.insight-card__tag {
  font-size: 9px;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--color-champagne);
  font-weight: 600;
  margin-bottom: 14px;
}
.insight-card__title {
  font-family: var(--font-serif);
  font-weight: 400;
  font-size: 19px;
  line-height: 1.3;
  color: var(--color-black);
  margin: 0 0 14px;
}
.insight-card__meta {
  font-size: 11px;
  color: var(--color-grey-mid);
  letter-spacing: 0.05em;
  margin: 0 0 18px;
  padding-bottom: 14px;
  border-bottom: 1px solid var(--color-grey-rule);
}
.insight-card__summary {
  font-size: 13px;
  line-height: 1.6;
  color: var(--color-grey-dk);
  margin: 0 0 20px;
  flex: 1;
}
.insight-card__link {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--color-black);
  border-bottom: 1px solid var(--color-champagne);
  padding-bottom: 4px;
  align-self: flex-start;
  transition: color 0.2s;
}
.insight-card__link:hover { color: var(--color-champagne); }
.insight-card__link--paywalled {
  color: var(--color-grey-mid);
  border-bottom-color: var(--color-grey-rule);
  font-style: italic;
  cursor: default;
}
.insights__cta {
  text-align: center;
  margin-top: 60px;
  padding-top: 40px;
  border-top: 1px solid var(--color-grey-rule);
}
.insights__cta p {
  font-family: var(--font-serif);
  font-style: italic;
  font-size: 17px;
  color: var(--color-grey-dk);
  margin: 0 0 20px;
}

/* =====================================================================
   TOOLS · IRR SIMULATOR
   ===================================================================== */
.tools {
  background: var(--color-black);
  color: var(--color-white);
  padding: 100px 0;
}
.simulator {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 50px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(184,149,106,0.3);
  padding: 40px;
}
.simulator__heading {
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--color-champagne);
  margin: 0 0 24px;
  padding-bottom: 12px;
  border-bottom: 1px solid rgba(184,149,106,0.3);
}
.simulator__field {
  margin-bottom: 16px;
}
.simulator__field label {
  display: block;
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.7);
  font-weight: 500;
  margin-bottom: 6px;
}
.simulator__field input,
.simulator__field output {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid rgba(255,255,255,0.2);
  background: rgba(0,0,0,0.3);
  color: var(--color-white);
  font-family: var(--font-sans);
  font-size: 15px;
  font-weight: 400;
  outline: none;
  transition: border-color 0.2s;
  display: block;
}
.simulator__field input:focus { border-color: var(--color-champagne); }
.simulator__field--readonly output {
  background: rgba(184,149,106,0.1);
  color: var(--color-champagne);
  font-weight: 500;
}
.simulator__row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.simulator__disclaimer {
  font-size: 10px;
  color: rgba(255,255,255,0.5);
  line-height: 1.5;
  margin-top: 20px;
  font-style: italic;
}
.simulator__results {
  border-left: 1px solid rgba(184,149,106,0.3);
  padding-left: 50px;
}
.simulator__metric {
  margin-bottom: 18px;
}
.simulator__metric-label {
  display: block;
  font-size: 10px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  font-weight: 500;
  margin-bottom: 6px;
}
.simulator__metric-value {
  display: block;
  font-family: var(--font-serif);
  font-weight: 300;
  font-size: 24px;
  color: var(--color-white);
  line-height: 1;
  letter-spacing: -0.01em;
}
.simulator__metric--hero {
  padding: 24px 0;
  border-top: 1px solid var(--color-champagne);
  border-bottom: 1px solid var(--color-champagne);
  margin-bottom: 28px;
  text-align: center;
}
.simulator__metric--hero .simulator__metric-label { color: var(--color-champagne); margin-bottom: 10px; }
.simulator__metric--hero .simulator__metric-value { font-size: 56px; color: var(--color-champagne); font-weight: 200; }
.simulator__metric-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px 24px;
  margin-bottom: 28px;
}
.simulator__breakdown {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 20px;
  font-size: 12px;
}
.simulator__breakdown-row {
  display: flex;
  justify-content: space-between;
  padding: 6px 0;
  color: rgba(255,255,255,0.7);
  border-bottom: 1px dashed rgba(255,255,255,0.08);
}
.simulator__breakdown-row span:last-child { color: rgba(255,255,255,0.95); font-weight: 500; }
.simulator__cta {
  margin-top: 24px;
  font-size: 13px;
  font-style: italic;
  color: rgba(255,255,255,0.7);
  font-family: var(--font-serif);
  text-align: center;
}
.simulator__cta a {
  color: var(--color-champagne);
  border-bottom: 1px solid currentColor;
}

/* =====================================================================
   ABOUT
   ===================================================================== */
.about {
  background: var(--color-bg-light);
  padding: 100px 0;
}
.about__grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 60px;
  align-items: stretch;
  margin-bottom: 60px;
}
.about__photo {
  position: relative;
  overflow: hidden;
  background: var(--color-black);
}
.about__photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  aspect-ratio: 3 / 4;
}
.about__text {
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.about__lead {
  font-family: var(--font-serif);
  font-weight: 400;
  font-size: 22px;
  line-height: 1.5;
  color: var(--color-black);
  margin: 0 0 28px;
}
.about__list li {
  position: relative;
  padding-left: 22px;
  padding-bottom: 12px;
  margin-bottom: 12px;
  border-bottom: 1px solid var(--color-grey-rule);
  font-size: 14px; line-height: 1.6;
  color: var(--color-grey-dk);
}
.about__list li:last-child { border-bottom: none; }
.about__list li::before {
  content: ''; position: absolute; left: 0; top: 11px;
  width: 12px; height: 1px; background: var(--color-champagne);
}
.about__list strong {
  display: inline-block; min-width: 110px;
  font-weight: 600; color: var(--color-black);
}
.about__quote-block {
  background: var(--color-black);
  color: var(--color-white);
  padding: 60px 80px;
  position: relative;
  text-align: center;
}
.about__quote-block::before {
  content: '';
  position: absolute;
  top: 24px; left: 50%; transform: translateX(-50%);
  width: 60px; height: 1px;
  background: var(--color-champagne);
}
.about__quote-block blockquote {
  font-family: var(--font-serif); font-weight: 300; font-style: italic;
  font-size: 26px; line-height: 1.4;
  margin: 0 auto 24px;
  color: var(--color-white);
  max-width: 850px;
  letter-spacing: -0.005em;
}
.about__quote-block cite {
  font-style: normal;
  font-size: 11px; letter-spacing: 0.3em; text-transform: uppercase;
  color: var(--color-champagne); font-weight: 500;
}

/* =====================================================================
   FORMS (subscribe + contact)
   ===================================================================== */
.subscribe {
  background: var(--color-white);
  padding: 100px 0;
  text-align: center;
}
.contact {
  background: var(--color-bg-light);
  padding: 100px 0;
}
.contact__grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
  align-items: start;
}
.contact__intro .section-title { text-align: left; }
.contact__intro .section-subtitle { margin: 0 0 32px; max-width: none; }
.contact__direct p {
  font-size: 13px;
  margin: 0 0 8px;
}
.contact__direct strong {
  display: inline-block;
  width: 70px;
  font-size: 9px;
  letter-spacing: 0.25em;
  text-transform: uppercase;
  color: var(--color-champagne);
  font-weight: 500;
}
.contact__direct a {
  border-bottom: 1px solid var(--color-grey-rule);
}

.form {
  max-width: 600px;
  margin: 0 auto;
}
.form--card {
  background: var(--color-white);
  padding: 36px 32px;
  border: 1px solid var(--color-grey-rule);
}
.form__row {
  display: flex;
  gap: 12px;
  flex-direction: column;
}
.form__row--inline {
  display: grid;
  grid-template-columns: 1fr 1.4fr auto;
  gap: 0;
  border: 1px solid var(--color-black);
}
.form__row--inline input {
  border: none;
  border-right: 1px solid var(--color-grey-rule);
  padding: 18px 20px;
  font-size: 15px;
  font-family: var(--font-sans);
  color: var(--color-black);
  background: transparent;
  outline: none;
}
.form__row--inline input:focus { background: var(--color-bg-light); }
.form__row--inline button { padding: 0 32px; }

.form__field {
  margin-bottom: 18px;
}
.form__field label {
  display: block;
  font-size: 10px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--color-grey-mid);
  font-weight: 600;
  margin-bottom: 6px;
}
.form__field input,
.form__field textarea,
.form__field select {
  width: 100%;
  padding: 14px 16px;
  border: 1px solid var(--color-grey-rule);
  background: var(--color-white);
  color: var(--color-black);
  font-family: var(--font-sans);
  font-size: 15px;
  outline: none;
  transition: border-color 0.2s;
}
.form__field input:focus,
.form__field textarea:focus,
.form__field select:focus {
  border-color: var(--color-champagne);
}
.form__field textarea { resize: vertical; min-height: 110px; line-height: 1.5; }

.form__message {
  margin: 18px 0 0;
  font-size: 14px;
  min-height: 22px;
}
.form__message.success { color: #2A6F2A; }
.form__message.error { color: #B73030; }
.form__disclaimer {
  margin: 24px 0 0;
  font-size: 11px;
  letter-spacing: 0.04em;
  color: var(--color-grey-mid);
}

/* =====================================================================
   ARTICLE PAGE (insights/{slug}.html)
   ===================================================================== */
.article {
  background: var(--color-white);
  padding: 60px 0 100px;
  min-height: 70vh;
}
.article__back {
  display: inline-block;
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--color-grey-mid);
  font-weight: 500;
  margin-bottom: 36px;
  border-bottom: 1px solid transparent;
  transition: border-color 0.2s, color 0.2s;
}
.article__back:hover { color: var(--color-champagne); border-bottom-color: var(--color-champagne); }

.article__header {
  padding-bottom: 32px;
  margin-bottom: 36px;
  border-bottom: 1px solid var(--color-grey-rule);
}
.article__tag {
  display: inline-block;
  font-size: 10px;
  letter-spacing: 0.3em;
  text-transform: uppercase;
  color: var(--color-champagne);
  font-weight: 600;
  margin-bottom: 16px;
}
.article__title {
  font-family: var(--font-serif);
  font-weight: 300;
  font-size: 42px;
  line-height: 1.15;
  letter-spacing: -0.015em;
  color: var(--color-black);
  margin: 0 0 18px;
}
.article__meta {
  font-size: 13px;
  color: var(--color-grey-mid);
  margin: 0;
  letter-spacing: 0.04em;
}

.article__body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.7;
  color: var(--color-grey-dk);
}
.article__lead {
  font-family: var(--font-serif);
  font-weight: 400;
  font-size: 21px;
  line-height: 1.5;
  color: var(--color-black);
  margin: 0 0 32px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--color-champagne);
}
.article__lead strong { font-weight: 500; color: var(--color-black); }

.article__body h2 {
  font-family: var(--font-serif);
  font-weight: 400;
  font-size: 26px;
  line-height: 1.3;
  letter-spacing: -0.01em;
  color: var(--color-black);
  margin: 44px 0 18px;
  padding-bottom: 8px;
  border-bottom: 1px solid var(--color-grey-rule);
}
.article__body p {
  margin: 0 0 18px;
}
.article__body strong { font-weight: 600; color: var(--color-black); }
.article__body em { font-style: italic; }
.article__body ul {
  list-style: none;
  padding: 0;
  margin: 0 0 22px;
}
.article__body ul li {
  position: relative;
  padding: 6px 0 6px 26px;
  margin-bottom: 6px;
  font-size: 15px;
  line-height: 1.65;
}
.article__body ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 14px;
  width: 14px;
  height: 1px;
  background: var(--color-champagne);
}
.article__body ul li strong { display: inline; min-width: 0; }

.article__source {
  margin-top: 40px;
  padding-top: 24px;
  border-top: 1px solid var(--color-grey-rule);
  font-size: 13px;
  color: var(--color-grey-mid);
  font-style: italic;
  line-height: 1.6;
}
.article__source a {
  color: var(--color-grey-mid);
  border-bottom: 1px solid var(--color-grey-rule);
}
.article__source a:hover { color: var(--color-champagne); border-bottom-color: var(--color-champagne); }

.article__cta {
  margin-top: 60px;
  padding: 40px 36px;
  background: var(--color-bg-light);
  border-left: 3px solid var(--color-champagne);
  text-align: center;
}
.article__cta h3 {
  font-family: var(--font-serif);
  font-weight: 400;
  font-size: 22px;
  line-height: 1.3;
  margin: 0 0 12px;
  color: var(--color-black);
}
.article__cta p {
  font-size: 14px;
  color: var(--color-grey-dk);
  margin: 0 0 24px;
  line-height: 1.55;
}
.article__cta .btn { margin-bottom: 16px; }
.article__cta-secondary {
  font-size: 12px !important;
  font-style: italic;
  color: var(--color-grey-mid) !important;
  margin: 0 !important;
}
.article__cta-secondary a {
  color: var(--color-champagne);
  border-bottom: 1px solid currentColor;
}

@media (max-width: 640px) {
  .article { padding: 40px 0 60px; }
  .article__title { font-size: 30px; }
  .article__lead { font-size: 18px; }
  .article__body h2 { font-size: 22px; }
  .article__body { font-size: 15px; }
  .article__cta { padding: 28px 22px; }
}

/* =====================================================================
   FOOTER
   ===================================================================== */
.footer {
  background: var(--color-black);
  color: var(--color-white);
  padding: 70px 0 32px;
}
.footer .wordmark { color: var(--color-white); }
.footer .wordmark__tagline { color: rgba(255,255,255,0.7); }
.footer__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}
.footer__role {
  margin: 22px 0 4px;
  font-size: 11px; letter-spacing: 0.25em; text-transform: uppercase;
  color: var(--color-champagne); font-weight: 500;
}
.footer__descriptor { margin: 0; font-size: 12px; color: rgba(255,255,255,0.85); }
.footer__details { font-size: 13px; }
.footer__line {
  margin: 0 0 10px;
  display: grid;
  grid-template-columns: 70px 1fr;
  gap: 12px;
}
.footer__line span {
  color: var(--color-champagne);
  font-size: 9px; letter-spacing: 0.25em; text-transform: uppercase;
  font-weight: 500; padding-top: 3px;
}
.footer__line a { color: rgba(255,255,255,0.9); border-bottom: 1px solid rgba(184,149,106,0.3); }
.footer__line a:hover { border-bottom-color: var(--color-champagne); }
.footer__legal {
  padding-top: 24px;
  font-size: 10px;
  color: rgba(255,255,255,0.5);
  text-align: center;
  letter-spacing: 0.05em;
}

/* =====================================================================
   RESPONSIVE
   ===================================================================== */
@media (max-width: 968px) {
  .insights__grid { grid-template-columns: repeat(2, 1fr); }
  .simulator { grid-template-columns: 1fr; gap: 40px; }
  .simulator__results { border-left: none; border-top: 1px solid rgba(184,149,106,0.3); padding-left: 0; padding-top: 40px; }
  .about__grid, .contact__grid { grid-template-columns: 1fr; gap: 40px; }
  .about__photo img { aspect-ratio: 4 / 3; max-height: 500px; }
  .about__quote-block { padding: 48px 32px; }
  .about__quote-block blockquote { font-size: 20px; }
  .footer__grid { grid-template-columns: 1fr; gap: 32px; }
}

@media (max-width: 640px) {
  .nav__inner { flex-direction: column; gap: 12px; padding: 12px 24px; }
  .nav__links { gap: 18px; flex-wrap: wrap; justify-content: center; }
  .nav__links a { font-size: 11px; }

  .hero__content { padding: 50px 24px 40px; }
  .hero__title { font-size: 38px; }
  .hero__subtitle { font-size: 17px; }
  .hero__ctas { flex-direction: column; width: 100%; }
  .hero__ctas .btn { width: 100%; }

  .section-title { font-size: 30px; }
  .section-subtitle { font-size: 15px; }

  .insights, .tools, .about, .subscribe, .contact { padding: 60px 0; }
  .insights__grid { grid-template-columns: 1fr; gap: 24px; }

  .simulator { padding: 28px 22px; }
  .simulator__row { grid-template-columns: 1fr; }
  .simulator__metric--hero .simulator__metric-value { font-size: 42px; }

  .form__row--inline { grid-template-columns: 1fr; border: none; gap: 12px; }
  .form__row--inline input { border: 1px solid var(--color-black); }
  .form__row--inline button { padding: 16px; }
  .form--card { padding: 24px 20px; }

  .container { padding: 0 24px; }
  .footer__line { grid-template-columns: 60px 1fr; gap: 8px; }
}

/* === COOKIE CONSENT BANNER === */
#cookie-banner {
  position: fixed; bottom: 16px; left: 16px; right: 16px;
  z-index: 9000;
  background: var(--color-black, #0A0A0A);
  color: #fff;
  border: 1px solid rgba(255,255,255,0.15);
  padding: 18px 22px;
  max-width: 720px;
  margin-left: auto; margin-right: auto;
  box-shadow: 0 24px 60px rgba(0,0,0,0.5);
  transform: translateY(120%);
  opacity: 0;
  transition: transform 0.35s cubic-bezier(0.25,0.46,0.45,0.94), opacity 0.25s;
  font-family: var(--font-sans);
}
#cookie-banner.is-visible { transform: translateY(0); opacity: 1; }
.cb__inner {
  display: flex; align-items: center; gap: 24px;
  flex-wrap: wrap;
}
.cb__text { flex: 1 1 280px; min-width: 200px; }
.cb__title {
  font-size: 10px; letter-spacing: 0.3em; text-transform: uppercase;
  color: var(--color-champagne, #C9B68A); font-weight: 700;
  display: block; margin-bottom: 6px;
}
.cb__copy {
  font-size: 13px; line-height: 1.5;
  color: rgba(255,255,255,0.85); margin: 0;
}
.cb__actions {
  display: flex; gap: 10px; flex-shrink: 0;
}
.cb__btn {
  padding: 10px 18px; font-size: 11px; letter-spacing: 0.2em;
  text-transform: uppercase; font-weight: 600;
  cursor: pointer; transition: all 0.2s;
  font-family: var(--font-sans);
  border: 1px solid;
  white-space: nowrap;
}
.cb__btn--ghost {
  background: transparent; color: rgba(255,255,255,0.85);
  border-color: rgba(255,255,255,0.3);
}
.cb__btn--ghost:hover {
  border-color: rgba(255,255,255,0.7); color: #fff;
}
.cb__btn--primary {
  background: var(--color-champagne, #C9B68A);
  color: var(--color-black, #0A0A0A);
  border-color: var(--color-champagne, #C9B68A);
}
.cb__btn--primary:hover {
  background: #fff; border-color: #fff;
}
@media (max-width: 600px) {
  #cookie-banner { left: 12px; right: 12px; bottom: 12px; padding: 14px 16px; }
  .cb__inner { flex-direction: column; align-items: stretch; gap: 14px; }
  .cb__actions { justify-content: stretch; }
  .cb__btn { flex: 1; padding: 12px; }
}