/* vishveshpatel.com — ADVANCED MINIMAL redesign preview (2026-10-19)
   Apple-meets-fintech: bold display type, generous whitespace, subtle motion,
   one vivid accent. WCAG AA. System fonts, single CSS file, tiny JS. */

:root{
  --ink:#0a1428; --ink-2:#101d36;
  --paper:#fafbfc; --card:#ffffff; --line:#e4e9ee;
  --text:#1c2733; --muted:#5b6b7a;
  --accent:#00b389;            /* signature teal */
  --accent-deep:#078a6b;
  --amber:#ffb020;             /* micro highlight */
  --cta:#ff5a3c;               /* eye-catching primary action */
  --cta-hover:#e04a2e;
  --navy-soft:#eef2f8;
  --radius:18px;
  --shadow:0 12px 40px rgba(10,20,40,.10);
  --shadow-sm:0 4px 16px rgba(10,20,40,.08);
  --ease:cubic-bezier(.22,.8,.3,1);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--text);
  font-family:-apple-system,BlinkMacSystemFont,"SF Pro Display","Segoe UI",Inter,Roboto,"Helvetica Neue",Arial,sans-serif;
  font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--accent-deep);text-underline-offset:3px}
.wrap{max-width:1160px;margin:0 auto;padding:0 28px}

/* ---------- reveal on scroll ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:60;background:rgba(250,251,252,.82);
  backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;gap:20px;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink);margin-right:auto}
.brand img{width:42px;height:42px;border-radius:50%;object-fit:cover}
.brand .bt{line-height:1.25}
.brand strong{display:block;font-size:1.05rem;letter-spacing:-.01em}
.brand span{font-size:.76rem;color:var(--muted)}
.main-nav{display:flex;gap:20px;font-size:.94rem;font-weight:500}
.main-nav a{color:var(--text);text-decoration:none;position:relative}
.main-nav a::after{content:"";position:absolute;left:0;bottom:-4px;height:2px;width:0;background:var(--accent);transition:width .3s var(--ease)}
.main-nav a:hover::after{width:100%}
.btn{display:inline-block;border:0;border-radius:999px;padding:14px 30px;font-weight:700;font-size:1rem;
  cursor:pointer;text-decoration:none;line-height:1.2;transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .25s}
.btn-primary{background:var(--cta);color:#fff;box-shadow:0 8px 24px rgba(255,90,60,.35)}
.btn-primary:hover{background:var(--cta-hover);color:#fff;transform:translateY(-2px);box-shadow:0 12px 30px rgba(255,90,60,.45)}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.5)}
.btn-ghost:hover{border-color:#fff;color:#fff;transform:translateY(-2px)}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{background:var(--ink-2);color:#fff;transform:translateY(-2px)}
.header-cta{white-space:nowrap;padding:11px 24px}

/* ---------- hero ---------- */
.hero{background:radial-gradient(1100px 520px at 85% -10%,rgba(0,179,137,.22),transparent 60%),
  radial-gradient(800px 500px at -10% 110%,rgba(255,176,32,.10),transparent 55%),var(--ink);
  color:#fff;overflow:hidden;position:relative}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;padding-top:84px;padding-bottom:84px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;font-weight:700;letter-spacing:2px;
  text-transform:uppercase;color:var(--accent);margin-bottom:20px}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--accent);display:inline-block}
.hero h1{font-size:clamp(2.4rem,5.2vw,3.9rem);line-height:1.06;letter-spacing:-.03em;margin:0 0 22px;font-weight:800}
.hero h1 .hl{color:var(--accent)}
.hero .lede{font-size:1.18rem;color:#c3d0df;max-width:46ch;margin:0 0 34px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:36px}
.trust-row{display:flex;gap:26px;flex-wrap:wrap}
.trust-row .t{font-size:.9rem;color:#93a7bd}
.trust-row .t strong{display:block;color:#fff;font-size:1.05rem}
.hero-photo{position:relative}
.hero-photo img{border-radius:26px;box-shadow:0 30px 80px rgba(0,0,0,.45);transform:rotate(1.5deg);transition:transform .6s var(--ease)}
.hero-photo:hover img{transform:rotate(0deg) scale(1.01)}
.hero-badge{position:absolute;left:-18px;bottom:34px;background:rgba(255,255,255,.96);color:var(--ink);
  border-radius:16px;padding:14px 20px;box-shadow:var(--shadow);backdrop-filter:blur(6px)}
.hero-badge strong{display:block;font-size:1.3rem;color:var(--ink)}
.hero-badge span{font-size:.82rem;color:var(--muted)}

/* ---------- market pulse ticker ---------- */
.pulse{background:var(--ink-2);color:#dbe6f2;border-top:1px solid rgba(255,255,255,.08);
  border-bottom:1px solid rgba(255,255,255,.08);overflow:hidden;white-space:nowrap}
.pulse-track{display:inline-flex;gap:0;animation:tick 36s linear infinite;padding:13px 0}
.pulse:hover .pulse-track{animation-play-state:paused}
.pulse span{padding:0 34px;font-size:.92rem;border-right:1px solid rgba(255,255,255,.14)}
.pulse b{color:var(--accent);font-weight:800}
.pulse .pdate{color:var(--amber);font-weight:700}
@keyframes tick{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.pulse-track{animation:none}}

/* ---------- pulse cards ---------- */
.pulse-cards{padding:70px 0 10px}
.pulse-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.pcard{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px;
  box-shadow:var(--shadow-sm);transition:transform .3s var(--ease),box-shadow .3s var(--ease);position:relative;overflow:hidden}
.pcard:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.pcard::top{content:""}
.pcard .kicker{font-size:.76rem;font-weight:800;letter-spacing:1.6px;text-transform:uppercase;color:var(--accent-deep);margin-bottom:12px}
.pcard h3{margin:0 0 10px;font-size:1.2rem;letter-spacing:-.01em;color:var(--ink)}
.pcard p{margin:0 0 14px;color:var(--muted);font-size:.96rem}
.pcard .src{font-size:.78rem;color:#93a1ad}
.pcard.live{border-top:4px solid var(--accent)}
.pcard.hold{border-top:4px dashed #c3ccd4;background:#f4f6f8}
.live-dot{display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--accent);margin-right:6px;animation:blink 1.6s infinite}
@keyframes blink{50%{opacity:.35}}
@media(prefers-reduced-motion:reduce){.live-dot{animation:none}}

/* ---------- sections ---------- */
.section{padding:88px 0}
.sec-head{max-width:720px;margin-bottom:48px}
.sec-kicker{font-size:.8rem;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:var(--accent-deep);margin-bottom:12px}
.sec-title{font-size:clamp(1.8rem,3.6vw,2.6rem);letter-spacing:-.025em;line-height:1.15;margin:0 0 14px;color:var(--ink);font-weight:800}
.sec-sub{color:var(--muted);font-size:1.08rem;margin:0}

/* quick answers */
.qa-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.qa{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:30px;
  transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.qa:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.qa .num{font-size:.8rem;font-weight:800;color:var(--accent-deep);letter-spacing:1px;margin-bottom:10px}
.qa h3{margin:0 0 10px;font-size:1.15rem;color:var(--ink);letter-spacing:-.01em}
.qa p{margin:0 0 14px;color:var(--muted)}
.qa a{font-weight:700;text-decoration:none}

/* about */
.about{background:var(--ink);color:#e8eef5;border-radius:28px;overflow:hidden}
.about .wrap{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px;align-items:center;padding-top:70px;padding-bottom:70px}
.about img{border-radius:20px;box-shadow:0 24px 60px rgba(0,0,0,.4)}
.about h2{color:#fff;font-size:clamp(1.8rem,3.4vw,2.5rem);letter-spacing:-.02em;margin:0 0 18px}
.about p{color:#b9c8da;margin:0 0 16px}
.about .stat-row{display:flex;gap:36px;margin-top:26px}
.about .stat strong{display:block;font-size:1.9rem;color:var(--accent);letter-spacing:-.02em}
.about .stat span{font-size:.86rem;color:#8fa2b8}

/* audience */
.aud-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.aud{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:22px;
  transition:border-color .3s,transform .3s var(--ease)}
.aud:hover{border-color:var(--accent);transform:translateY(-4px)}
.aud h3{margin:0 0 6px;font-size:1.02rem;color:var(--ink)}
.aud p{margin:0;font-size:.93rem;color:var(--muted)}

/* calculator */
.calc{background:var(--ink);color:#fff;border-radius:26px;padding:56px;position:relative;overflow:hidden}
.calc::before{content:"";position:absolute;inset:0;background:radial-gradient(600px 300px at 90% 0%,rgba(0,179,137,.18),transparent 60%);pointer-events:none}
.calc h2{color:#fff;margin:0 0 8px;font-size:1.9rem;letter-spacing:-.02em}
.calc .sub{color:#9db0c6;margin:0 0 30px}
.calc label{font-weight:700;display:block;margin-bottom:10px;color:#fff}
.calc input[type=range]{width:100%;accent-color:var(--accent);height:36px;cursor:pointer}
.calc-row{display:flex;gap:14px;align-items:center;margin:8px 0 30px;flex-wrap:wrap}
.calc-row input[type=number]{font-size:1.25rem;padding:12px 16px;border:2px solid rgba(255,255,255,.25);
  background:rgba(255,255,255,.08);color:#fff;border-radius:12px;width:230px}
.calc-row output{font-weight:800;font-size:1.3rem;color:var(--accent)}
.calc-out{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.out{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:24px;transition:transform .3s var(--ease)}
.out:hover{transform:translateY(-4px)}
.out .num{font-size:2rem;font-weight:800;color:#fff;display:block;letter-spacing:-.02em}
.out.hl .num{color:var(--accent)}
.out .lbl{font-size:.86rem;color:#9db0c6}
.calc-note{font-size:.86rem;color:#8fa2b8;margin:24px 0 0;position:relative}

/* services */
.svc-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.svc{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:36px;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.svc:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.svc .ico{width:52px;height:52px;border-radius:14px;background:linear-gradient(135deg,var(--accent),var(--accent-deep));
  display:flex;align-items:center;justify-content:center;font-size:1.5rem;margin-bottom:18px}
.svc h3{margin:0 0 12px;color:var(--ink);font-size:1.3rem;letter-spacing:-.01em}
.svc ul{margin:0;padding-left:20px;color:var(--muted)}
.svc li{margin-bottom:8px}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.step{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:32px;position:relative;overflow:hidden}
.step .n{font-size:3.4rem;font-weight:800;color:var(--navy-soft);line-height:1;letter-spacing:-.04em}
.step h3{margin:6px 0 10px;color:var(--ink);font-size:1.2rem}
.step p{margin:0;color:var(--muted)}

/* realtor */
.realtor{background:linear-gradient(120deg,#0d3b3a,#0a1428);color:#fff;border-radius:26px;padding:60px;
  display:grid;grid-template-columns:1.3fr 1fr;gap:40px;align-items:center;position:relative;overflow:hidden}
.realtor::before{content:"";position:absolute;inset:0;background:radial-gradient(500px 260px at 10% 100%,rgba(0,179,137,.25),transparent 60%);pointer-events:none}
.realtor h2{margin:0 0 12px;color:#fff;font-size:1.9rem;letter-spacing:-.02em}
.realtor p{margin:0 0 24px;color:#c3d4e4}
.realtor ul{margin:0;padding-left:20px;color:#c3d4e4;position:relative}
.realtor li{margin-bottom:10px}

/* faq */
.faq-list{max-width:800px}
details.faq{background:var(--card);border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden;transition:box-shadow .3s}
details.faq[open]{box-shadow:var(--shadow-sm)}
details.faq summary{cursor:pointer;padding:20px 24px;font-weight:700;color:var(--ink);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary .pm{flex:none;width:30px;height:30px;border-radius:50%;background:var(--navy-soft);color:var(--accent-deep);
  display:flex;align-items:center;justify-content:center;font-size:1.2rem;transition:transform .3s var(--ease),background .3s}
details.faq[open] summary .pm{transform:rotate(45deg);background:var(--accent);color:#fff}
details.faq .faq-a{padding:0 24px 22px;color:var(--muted);animation:fadein .35s var(--ease)}
@keyframes fadein{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}

/* contact */
.contact{background:var(--ink);border-radius:28px;overflow:hidden;color:#e8eef5}
.contact .wrap{display:grid;grid-template-columns:1fr 1fr;gap:0}
.contact-photo{min-height:100%;position:relative}
.contact-photo img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0}
.contact-body{padding:64px 56px}
.contact-body h2{color:#fff;font-size:clamp(1.8rem,3.4vw,2.4rem);letter-spacing:-.02em;margin:0 0 12px}
.contact-body .sub{color:#9db0c6;margin:0 0 30px}
.field{margin-bottom:18px}
.field label{display:block;font-weight:600;margin-bottom:7px;color:#dbe6f2;font-size:.94rem}
.field input,.field select,.field textarea{width:100%;padding:14px 16px;border:1.5px solid rgba(255,255,255,.2);
  background:rgba(255,255,255,.07);color:#fff;border-radius:12px;font-size:1rem;font-family:inherit;transition:border-color .25s,box-shadow .25s}
.field select option{color:#111}
.field input::placeholder,.field textarea::placeholder{color:#7e93a9}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 4px rgba(0,179,137,.18)}
.reassure{display:flex;gap:10px;align-items:flex-start;background:rgba(0,179,137,.12);border:1px solid rgba(0,179,137,.35);
  border-radius:12px;padding:14px 18px;font-size:.9rem;color:#bfe9dc;margin-bottom:22px}
.contact-lines{list-style:none;margin:34px 0 0;padding:0;display:grid;gap:10px}
.contact-lines a{color:#fff;font-weight:600}
.contact-lines .cl-label{color:#8fa2b8;font-size:.85rem;display:block}

/* areas */
.areas{display:flex;flex-wrap:wrap;gap:10px;list-style:none;margin:26px 0 0;padding:0}
.areas li{background:#fff;border:1px solid var(--line);color:var(--ink);border-radius:999px;padding:8px 18px;font-size:.9rem;font-weight:600;transition:border-color .25s}
.areas li:hover{border-color:var(--accent)}

/* footer */
.site-footer{background:var(--ink);color:#93a7bd;padding:56px 0 40px;font-size:.9rem;border-top:1px solid rgba(255,255,255,.08)}
.site-footer a{color:#dbe6f2}
.footer-inner p{margin:0 0 14px;max-width:82ch}
.footer-note{margin-top:26px;padding-top:20px;border-top:1px solid rgba(255,255,255,.08);color:#5f7488;font-size:.82rem}

/* blog */
.blog-hero{background:var(--ink);color:#fff;padding:70px 0;position:relative;overflow:hidden}
.blog-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 320px at 80% 0%,rgba(0,179,137,.2),transparent 60%)}
.blog-hero h1{margin:0 0 12px;font-size:clamp(2rem,4vw,2.9rem);letter-spacing:-.025em;position:relative}
.blog-hero p{color:#9db0c6;margin:0;max-width:60ch;position:relative}
.post-list{display:grid;gap:22px;margin-top:44px}
.post-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:34px;
  display:grid;gap:10px;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.post-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.post-card .meta{font-size:.85rem;color:var(--muted)}
.post-card h2{margin:0;font-size:1.45rem;letter-spacing:-.015em}
.post-card h2 a{color:var(--ink);text-decoration:none}
.post-card h2 a:hover{color:var(--accent-deep)}
.post-card p.excerpt{margin:0;color:var(--muted)}
.readmore{font-weight:700;color:var(--accent-deep);text-decoration:none}
.readmore:hover{color:var(--cta)}
.article{max-width:70ch;margin:0 auto}
.article h1{color:var(--ink);font-size:clamp(1.9rem,4vw,2.7rem);line-height:1.15;letter-spacing:-.025em;margin:0 0 14px}
.byline{display:flex;align-items:center;gap:14px;color:var(--muted);font-size:.92rem;margin-bottom:10px}
.byline img{width:52px;height:52px;border-radius:50%;object-fit:cover}
.tldr{background:#eafaf5;border:1px solid #bfe9dc;border-left:5px solid var(--accent);border-radius:0 14px 14px 0;padding:20px 24px;margin:30px 0}
.tldr strong{color:var(--ink)}
.article h2{color:var(--ink);margin-top:44px;font-size:1.5rem;letter-spacing:-.015em}
.article table{width:100%;border-collapse:collapse;margin:20px 0;font-size:.96rem;background:#fff;border-radius:12px;overflow:hidden;box-shadow:var(--shadow-sm)}
.article th,.article td{border:1px solid var(--line);padding:12px 16px;text-align:left}
.article th{background:var(--ink);color:#fff;border-color:var(--ink)}
.article .def{background:#fffdf4;border:1px solid #f0dfae;border-radius:14px;padding:22px 26px;margin:26px 0}
.article .def strong{color:var(--ink)}
.cta-box{background:var(--ink);color:#e8eef5;border-radius:22px;padding:44px;margin:48px 0;position:relative;overflow:hidden}
.cta-box::before{content:"";position:absolute;inset:0;background:radial-gradient(420px 220px at 90% 0%,rgba(0,179,137,.25),transparent 60%)}
.cta-box h2{color:#fff;margin:0 0 12px;position:relative}
.cta-box p{color:#b9c8da;position:relative}
.cta-box .row{position:relative;display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.verified{font-size:.85rem;color:var(--muted);border-top:1px solid var(--line);margin-top:44px;padding-top:18px}
.related{margin-top:48px}
.breadcrumb{font-size:.86rem;color:var(--muted);margin-bottom:22px}
.breadcrumb a{color:var(--accent-deep)}

@media(max-width:900px){
  .hero .wrap,.about .wrap,.realtor,.contact .wrap{grid-template-columns:1fr}
  .hero .wrap{padding-top:60px;padding-bottom:60px}
  .pulse-grid,.qa-grid,.steps,.svc-grid{grid-template-columns:1fr}
  .aud-grid{grid-template-columns:1fr 1fr}
  .calc-out{grid-template-columns:1fr}
  .calc{padding:36px 26px}
  .realtor{padding:40px 28px}
  .contact-body{padding:44px 28px}
  .contact-photo{min-height:340px}
  .main-nav{display:none}
  .section{padding:64px 0}
  .hero-badge{left:8px}
}
@media(max-width:560px){.aud-grid{grid-template-columns:1fr}}