/* ==================================================================
   SAVA Finance refresh (2026-11-04)
   Loaded after site.css on every page. One layer of polish on top of the
   existing system: serif accent words, richer cards, a stronger button,
   taller photo headers, and the new home sections (rf-*).
   ================================================================== */

:root {
  --rf-gold: #E8C778;
  --rf-gold-deep: #C99A45;
  --rf-gold-grad: linear-gradient(135deg, #F6DFA4 0%, #E8C778 42%, #CDA052 100%);
  --rf-line: rgba(232, 199, 120, .16);
  --rf-line-strong: rgba(232, 199, 120, .5);
  --rf-card: linear-gradient(180deg, #1D1C21 0%, #18171B 100%);
  --rf-card-hi: linear-gradient(180deg, #232127 0%, #1A191D 100%);
  --rf-ink: #F2F2EF;
  --rf-soft: #B9BCC2;
  --rf-serif: "Instrument Serif", "Times New Roman", serif;
  --rf-ease: cubic-bezier(.2, .7, .2, 1);
  --rf-radius: 20px;
  --rf-wrap: min(1200px, calc(100% - 2 * var(--sc-gutter, 24px)));
}

::selection { background: rgba(232, 199, 120, .35); color: #fff; }

/* ---------- type: one serif italic accent word per heading ---------- */
.sc-display em, .page-header h1 em, .rf-h em, .lines-heading em, .colophon-sign em {
  font-family: var(--rf-serif);
  font-style: italic;
  font-weight: 400;
  letter-spacing: -.005em;
  font-size: 1.1em;
  line-height: .9;
  color: var(--rf-gold);
  padding-right: .04em;
}
.sc-display--md { letter-spacing: -.025em; }

/* ---------- buttons ---------- */
.cta {
  background: var(--rf-gold-grad) !important;
  color: #17130A !important;
  font-weight: 650;
  letter-spacing: .005em;
  border: 0;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, .45), 0 10px 30px -12px rgba(232, 199, 120, .55);
  transition: transform .25s var(--rf-ease), box-shadow .25s var(--rf-ease), filter .25s;
  display: inline-flex; align-items: center; gap: .5em;
}
.cta::after { content: "→"; display: inline-block; transition: transform .25s var(--rf-ease); }
.cta:hover { transform: translateY(-2px); box-shadow: inset 0 1px 0 rgba(255, 255, 255, .5), 0 16px 40px -14px rgba(232, 199, 120, .75); filter: none; }
.cta:hover::after { transform: translateX(3px); }
.cta:active { transform: translateY(0) scale(.98); }

.rf-ghost {
  display: inline-flex; align-items: center; gap: .55em;
  padding: 13px 22px; border-radius: 999px;
  border: 1px solid rgba(242, 242, 239, .22);
  color: var(--rf-ink); text-decoration: none; font-weight: 600; font-size: 14px;
  transition: border-color .25s, background .25s;
}
.rf-ghost:hover { border-color: var(--rf-line-strong); background: rgba(232, 199, 120, .07); }
.rf-ghost svg { width: 16px; height: 16px; color: var(--rf-gold); }

/* ---------- photo page headers: taller, words anchored low, bigger title ---------- */
.page-header.has-photo {
  min-height: clamp(520px, 76vh, 760px);
  justify-content: flex-end;
  padding-bottom: clamp(4.5rem, 11vh, 7rem);
  position: relative;
  isolation: isolate;
  background:
    radial-gradient(ellipse 70% 60% at 50% 70%, rgba(10, 10, 12, .55), rgba(10, 10, 12, 0) 75%),
    linear-gradient(180deg, rgba(12, 12, 14, .6) 0%, rgba(12, 12, 14, .38) 38%, rgba(20, 20, 20, .92) 88%, #141414 100%),
    var(--hdr) center / cover no-repeat, var(--sv-dark-canvas);
}
.page-header.has-photo.scrim-strong {
  background:
    radial-gradient(ellipse 60% 55% at 50% 66%, rgba(12, 12, 14, .7), rgba(12, 12, 14, 0) 100%),
    linear-gradient(180deg, rgba(12, 12, 14, .66) 0%, rgba(12, 12, 14, .5) 40%, rgba(20, 20, 20, .93) 88%, #141414 100%),
    var(--hdr) center / cover no-repeat, var(--sv-dark-canvas);
}
.page-header h1, .page-header h1.sc-display {
  font-size: clamp(2.6rem, 6vw, 5.2rem) !important;
  line-height: 1.02 !important;
  letter-spacing: -.035em;
  font-weight: 500;
  max-width: 16ch;
}
.page-header p { font-size: clamp(16px, 1.35vw, 19px); max-width: 50ch; }
.page-header .cta-note { font-size: 13.5px; opacity: .8; }
.page-header .back-link { backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); border: 1px solid rgba(232, 199, 120, .25); }

/* ---------- cards: one surface everywhere ---------- */
.service-card, .about-pillars, .service-page-list, .intro-steps, .about-creds, .calc-card, .calc-cta, .home-help, .review-tile, .faq-list {
  border-radius: var(--rf-radius);
}
.service-card {
  background: var(--rf-card) !important;
  border: 1px solid var(--rf-line) !important;
  transition: transform .35s var(--rf-ease), border-color .35s, box-shadow .35s;
}
.service-card:hover {
  transform: translateY(-4px);
  border-color: var(--rf-line-strong) !important;
  box-shadow: 0 30px 60px -34px rgba(0, 0, 0, .9), 0 0 0 1px rgba(232, 199, 120, .08), 0 18px 50px -30px rgba(232, 199, 120, .35);
}
.service-card:not(.service-card--guide)::before { transition: transform .7s var(--rf-ease), filter .7s; filter: saturate(.9) brightness(.92); }
.service-card:hover::before { transform: scale(1.05); filter: saturate(1) brightness(1); }
.service-card h3 { letter-spacing: -.01em; }
.service-card__link { color: var(--rf-gold) !important; }

.review-tile { background: var(--rf-card) !important; border: 1px solid var(--rf-line) !important; }
.service-quote { border-radius: 16px; border: 1px solid var(--rf-line); border-left: 2px solid var(--rf-gold); }

/* FAQ: lines become quiet cards */
.faq-list { border-top: 0 !important; display: grid; gap: 10px; }
.faq-item {
  border: 1px solid var(--rf-line) !important;
  border-radius: 14px;
  background: var(--rf-card);
  transition: border-color .25s;
}
.faq-item summary { padding: 20px 22px !important; }
.faq-item p { padding: 0 22px 22px !important; }
.faq-item[open], .faq-item:hover { border-color: rgba(232, 199, 120, .38) !important; }
.faq-item summary::after {
  width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center;
  border: 1px solid var(--rf-line); font-size: 18px !important; line-height: 1;
}

/* form fields */
.field input, .field select, .field textarea, .calc-field input, .calc-field select {
  border-radius: 12px !important;
  transition: border-color .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus, .calc-field input:focus, .calc-field select:focus {
  border-color: var(--rf-gold) !important;
  box-shadow: 0 0 0 4px rgba(232, 199, 120, .14);
  outline: none;
}

/* ---------- footer ---------- */
.site-footer { position: relative; }
.site-footer::before {
  content: ""; position: absolute; left: 50%; top: 0; translate: -50% 0;
  width: min(1200px, 90%); height: 1px;
  background: linear-gradient(90deg, transparent, rgba(232, 199, 120, .45), transparent);
}
.colophon-sign {
  font-size: clamp(26px, 3.4vw, 44px) !important;
  font-weight: 500 !important;
  letter-spacing: -.03em;
  line-height: 1.1;
  margin: clamp(2rem, 5vw, 3.5rem) auto clamp(2rem, 4vw, 3rem) !important;
  max-width: 22ch;
  text-wrap: balance;
}
.colophon-h { color: var(--rf-gold) !important; }
.colophon-col a { transition: color .2s; }
.colophon-col a:hover { color: var(--rf-gold); }

/* ==================================================================
   new home sections
   ================================================================== */
.rf-section { background: var(--sv-dark-canvas, #141414); color: var(--rf-ink); position: relative; }
.rf-wrap { width: var(--rf-wrap); margin-inline: auto; }
.rf-eyebrow {
  display: inline-flex; align-items: center; gap: 12px;
  font-size: 12.5px; letter-spacing: .18em; text-transform: uppercase; font-weight: 600;
  color: var(--rf-gold); margin: 0;
}
.rf-eyebrow::before { content: ""; width: 28px; height: 1px; background: currentColor; opacity: .7; }
.rf-h {
  font-family: var(--sc-font-display, "Manrope", sans-serif);
  font-size: clamp(2.2rem, 4.4vw, 3.8rem);
  line-height: 1.04; letter-spacing: -.035em; font-weight: 500;
  margin: 16px 0 0; text-wrap: balance; color: var(--rf-ink);
}
.rf-lede { font-size: clamp(16px, 1.3vw, 18.5px); line-height: 1.6; color: var(--rf-soft); max-width: 52ch; margin: 18px 0 0; text-wrap: pretty; }

/* proof bar */
.rf-proof { padding: clamp(1.5rem, 4vw, 3rem) 0 clamp(3rem, 7vw, 5.5rem); }
.rf-proof-grid {
  display: grid; grid-template-columns: repeat(4, minmax(0, 1fr));
  border: 1px solid var(--rf-line); border-radius: 24px;
  background: var(--rf-card);
  overflow: hidden;
}
.rf-stat { padding: clamp(22px, 2.6vw, 34px) clamp(20px, 2.4vw, 32px); position: relative; }
.rf-stat + .rf-stat::before { content: ""; position: absolute; left: 0; top: 22%; bottom: 22%; width: 1px; background: var(--rf-line); }
.rf-stat b {
  display: flex; align-items: baseline; gap: 8px;
  font-size: clamp(30px, 3.2vw, 44px); font-weight: 500; letter-spacing: -.04em; line-height: 1;
  color: var(--rf-ink); font-variant-numeric: tabular-nums;
}
.rf-stat b small { font-size: 15px; letter-spacing: .1em; color: var(--rf-gold); font-weight: 600; }
.rf-stat span { display: block; margin-top: 10px; font-size: 14.5px; line-height: 1.45; color: var(--rf-soft); }
.rf-stat .rf-stars { color: var(--rf-gold); letter-spacing: .12em; font-size: 13px; }

/* services bento */
.rf-services { padding: clamp(4rem, 9vw, 8rem) 0 clamp(4rem, 8vw, 7rem); }
.rf-services-head { display: flex; justify-content: space-between; align-items: end; gap: 32px; flex-wrap: wrap; }
.rf-services-head .rf-lede { margin-top: 18px; }
.rf-services-head > div { max-width: 760px; }
.rf-bento {
  margin-top: clamp(2rem, 4vw, 3.25rem);
  display: grid; gap: 14px;
  grid-template-columns: repeat(12, minmax(0, 1fr));
  grid-auto-rows: clamp(220px, 21vw, 290px);
}
.rf-tile {
  position: relative; overflow: hidden; isolation: isolate;
  border-radius: var(--rf-radius); border: 1px solid var(--rf-line);
  text-decoration: none; color: var(--rf-ink);
  display: flex; flex-direction: column; justify-content: flex-end;
  padding: clamp(20px, 2.2vw, 30px);
  background: #18171B;
  grid-column: span 4;
  transition: border-color .35s, transform .35s var(--rf-ease), box-shadow .35s;
}
.rf-tile--xl { grid-column: span 7; grid-row: span 2; }
.rf-tile--wide { grid-column: span 5; }
.rf-tile img {
  position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2;
  transform: scale(1.02); transition: transform 1s var(--rf-ease), filter .6s; filter: saturate(.85) brightness(.85);
}
.rf-tile::after {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(180deg, rgba(12, 12, 14, .05) 0%, rgba(12, 12, 14, .35) 45%, rgba(12, 12, 14, .92) 100%);
}
.rf-tile:hover { border-color: var(--rf-line-strong); transform: translateY(-3px); box-shadow: 0 30px 70px -40px rgba(232, 199, 120, .4); }
.rf-tile:hover img { transform: scale(1.07); filter: saturate(1) brightness(.95); }
.rf-tile .rf-tag { font-size: 12px; letter-spacing: .16em; text-transform: uppercase; font-weight: 600; color: var(--rf-gold); }
.rf-tile h3 { margin: 8px 0 0; font-size: clamp(20px, 1.7vw, 25px); font-weight: 600; letter-spacing: -.02em; line-height: 1.15; }
.rf-tile--xl h3 { font-size: clamp(28px, 3vw, 42px); font-weight: 500; letter-spacing: -.03em; }
.rf-tile p { margin: 8px 0 0; font-size: 15px; line-height: 1.5; color: #D6D8DC; max-width: 42ch; }
.rf-tile .rf-go {
  position: absolute; top: clamp(16px, 1.8vw, 22px); right: clamp(16px, 1.8vw, 22px);
  width: 42px; height: 42px; border-radius: 50%;
  display: grid; place-items: center;
  background: rgba(12, 12, 14, .5); border: 1px solid rgba(242, 242, 239, .2);
  backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  transition: background .3s, color .3s, transform .35s var(--rf-ease), border-color .3s;
}
.rf-tile .rf-go svg { width: 16px; height: 16px; }
.rf-tile:hover .rf-go { background: var(--rf-gold); color: #17130A; border-color: var(--rf-gold); transform: rotate(-45deg); }
.rf-tile--all {
  background: radial-gradient(120% 120% at 100% 0%, rgba(232, 199, 120, .18), rgba(232, 199, 120, 0) 55%), var(--rf-card);
  justify-content: space-between;
}
.rf-tile--all::after { display: none; }
.rf-tile--all ul { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.rf-tile--all li { font-size: 13px; padding: 6px 12px; border-radius: 999px; border: 1px solid var(--rf-line); color: #D6D8DC; }

/* closing */
.rf-close { padding: clamp(4rem, 9vw, 8rem) 0 clamp(4rem, 8vw, 6.5rem); }
.rf-close-card {
  position: relative; overflow: hidden; isolation: isolate;
  border-radius: 32px; border: 1px solid var(--rf-line);
  background:
    radial-gradient(90% 120% at 0% 0%, rgba(232, 199, 120, .16), rgba(232, 199, 120, 0) 55%),
    radial-gradient(70% 90% at 100% 100%, rgba(232, 199, 120, .08), rgba(232, 199, 120, 0) 60%),
    linear-gradient(180deg, #1E1D22, #161519);
  display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr);
  gap: clamp(28px, 4vw, 64px);
  padding: clamp(28px, 5vw, 72px);
  align-items: center;
}
.rf-close-card .rf-h { font-size: clamp(2.4rem, 5vw, 4.4rem); }
.rf-close-actions { margin-top: 30px; display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.rf-close-actions .cta { margin: 0; }
.rf-close .cta-note { margin-top: 14px; font-size: 13.5px; color: var(--rf-soft); }
.rf-person {
  border-radius: 24px; overflow: hidden; border: 1px solid var(--rf-line);
  background: #121214;
}
.rf-person-photo { position: relative; aspect-ratio: 5 / 4; overflow: hidden; }
.rf-person-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 22%; display: block; }
.rf-person-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(18, 18, 20, 0) 55%, rgba(18, 18, 20, .95) 100%); }
.rf-person-name { position: absolute; left: 20px; bottom: 16px; z-index: 1; }
.rf-person-name b { display: block; font-size: 19px; font-weight: 600; letter-spacing: -.01em; }
.rf-person-name span { font-size: 13.5px; color: var(--rf-soft); }
.rf-rows { list-style: none; margin: 0; padding: 6px 0; }
.rf-rows a, .rf-rows li > span {
  display: grid; grid-template-columns: 34px minmax(0, 1fr); gap: 12px; align-items: center;
  padding: 12px 20px; text-decoration: none; color: var(--rf-ink); font-size: 15px;
  transition: background .2s;
}
.rf-rows a:hover { background: rgba(232, 199, 120, .06); }
.rf-rows i { width: 34px; height: 34px; border-radius: 10px; display: grid; place-items: center; background: rgba(232, 199, 120, .1); color: var(--rf-gold); font-style: normal; }
.rf-rows i svg { width: 16px; height: 16px; }
.rf-rows small { display: block; font-size: 12px; color: var(--rf-soft); letter-spacing: .04em; }
.rf-rows li + li { border-top: 1px solid rgba(242, 242, 239, .06); }

/* related services strip on service pages */
.rf-related { padding: 0 0 clamp(4rem, 8vw, 6rem); }
.rf-related .rf-bento { grid-auto-rows: clamp(200px, 18vw, 240px); }
.rf-related .rf-tile { grid-column: span 4; }
.rf-related-head { display: flex; justify-content: space-between; align-items: end; gap: 20px; flex-wrap: wrap; }
.rf-related-head .rf-h { font-size: clamp(1.9rem, 3.2vw, 2.8rem); }
.rf-textlink { color: var(--rf-gold); text-decoration: none; font-weight: 600; font-size: 15px; border-bottom: 1px solid rgba(232, 199, 120, .35); padding-bottom: 2px; }
.rf-textlink:hover { border-color: var(--rf-gold); }

/* reveal (no dependency on the scroll engine) */
.rf-in { opacity: 0; transform: translateY(18px); transition: opacity .8s var(--rf-ease), transform .8s var(--rf-ease); }
.rf-in.is-in { opacity: 1; transform: none; }
.rf-bento .rf-in:nth-child(2) { transition-delay: .06s; }
.rf-bento .rf-in:nth-child(3) { transition-delay: .12s; }
.rf-bento .rf-in:nth-child(4) { transition-delay: .18s; }
.rf-bento .rf-in:nth-child(5) { transition-delay: .24s; }
.rf-bento .rf-in:nth-child(6) { transition-delay: .3s; }
@media (prefers-reduced-motion: reduce) {
  .rf-in { opacity: 1; transform: none; transition: none; }
  .rf-tile, .rf-tile img, .service-card, .service-card::before, .cta { transition: none; }
}

/* ---------- responsive ---------- */
@media (max-width: 1020px) {
  .rf-proof-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .rf-stat:nth-child(3)::before { display: none; }
  .rf-stat:nth-child(n+3) { border-top: 1px solid var(--rf-line); }
  .rf-bento { grid-template-columns: repeat(6, minmax(0, 1fr)); grid-auto-rows: 240px; }
  .rf-tile, .rf-tile--wide { grid-column: span 3; }
  .rf-tile--xl { grid-column: span 6; grid-row: span 2; }
  .rf-close-card { grid-template-columns: minmax(0, 1fr); }
  .rf-person { max-width: 520px; }
  .rf-related .rf-tile { grid-column: span 3; }
  .rf-related .rf-tile:nth-child(3) { grid-column: span 6; }
}
@media (max-width: 640px) {
  .rf-proof-grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); border-radius: 20px; }
  .rf-stat { padding: 20px 18px; }
  .rf-stat b { font-size: 30px; }
  .rf-stat span { font-size: 13.5px; }
  .rf-bento, .rf-related .rf-bento { grid-template-columns: minmax(0, 1fr); grid-auto-rows: auto; gap: 12px; }
  .rf-tile { min-height: 230px; }
  .rf-tile, .rf-tile--wide, .rf-tile--xl, .rf-related .rf-tile, .rf-related .rf-tile:nth-child(3) { grid-column: auto; grid-row: auto; }
  .rf-tile--xl { min-height: 380px; }
  .rf-tile--xl h3 { font-size: 28px; }
  .rf-tile--all { min-height: 0; gap: 18px; }
  .rf-close-card { border-radius: 24px; padding: 26px 20px; }
  .rf-close-actions { flex-direction: column; align-items: stretch; }
  .rf-close-actions .cta, .rf-close-actions .rf-ghost { justify-content: center; }
  .page-header.has-photo { min-height: 560px; padding-bottom: 3.5rem; }
  .page-header h1, .page-header h1.sc-display { font-size: clamp(2.3rem, 10.5vw, 3rem) !important; }
}