/* ==========================================================================
   Credit Balance Path — Financial Services
   Design system: deep-navy + teal editorial style
   Pure CSS (no frameworks)
   ========================================================================== */

:root{
  --navy-950:#30121F;
  --navy-900:#48182E;
  --navy-800:#65223F;
  --navy-700:#852D52;
  --teal-700:#8D3158;
  --teal-600:#A83865;
  --teal-500:#C24C7B;
  --mint:#E39AB8;
  --ink:#32212A;
  --body:#725565;
  --muted:#8B7080;
  --line:#EBDCE3;
  --line-soft:#F5EAF0;
  --bg:#FCF6F8;
  --white:#FFFFFF;
  --star:#DDB65B;
  --danger:#B92D45;
  --r-sm:10px;
  --r:14px;
  --r-lg:20px;
  --r-xl:26px;
  --sh-1:0 1px 2px rgba(72,24,46,.05), 0 14px 30px -22px rgba(72,24,46,.28);
  --sh-2:0 30px 70px -40px rgba(48,18,31,.55);
  --sans:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,"Times New Roman",serif;
  --wrap:1200px;
  --ease:cubic-bezier(.22,.75,.2,1);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:var(--white);color:var(--body);
  font-family:var(--sans);font-size:16.5px;line-height:1.68;font-weight:400;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img,svg{max-width:100%}
img{display:block;height:auto}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit}
h1,h2,h3,h4{color:var(--ink);margin:0}
p{margin:0 0 1.1em}
p:last-child{margin-bottom:0}
ul{margin:0;padding:0;list-style:none}
:focus-visible{outline:3px solid var(--teal-500);outline-offset:3px;border-radius:6px}
::selection{background:rgba(18,160,166,.22)}

.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-9999px;top:0;z-index:400;background:var(--navy-900);color:#fff;padding:12px 18px;border-radius:0 0 10px 0;font-weight:700}
.skip:focus{left:0}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ---------- typography helpers ---------- */
.h-xl,.h-sec,.display{font-family:var(--serif);font-weight:600;letter-spacing:-.02em;line-height:1.1;color:var(--ink)}
.eyebrow{
  display:inline-flex;align-items:center;gap:12px;
  font-size:11.5px;font-weight:800;letter-spacing:.2em;text-transform:uppercase;color:var(--teal-600);
}
.eyebrow::before{content:"";width:30px;height:1px;background:var(--teal-500);flex:none}
.eyebrow .num{color:var(--muted);font-weight:800}
.eyebrow--light{color:var(--mint)}
.eyebrow--light::before{background:rgba(63,214,194,.6)}
.lede{font-size:18px;color:var(--muted);max-width:64ch;margin-top:18px}
.sec-head{max-width:78ch}
.sec-head .h-sec{font-size:clamp(1.85rem,3.5vw,2.75rem);margin-top:16px}
.sec-head--center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head--center .eyebrow{justify-content:center}
.sec-head--center .eyebrow::before{display:none}
.tint{color:var(--teal-600)}
.accent-serif{font-family:var(--serif);font-style:italic;color:var(--teal-600)}

/* ---------- layout ---------- */
.sec{padding:96px 0;position:relative}
.sec--tint{background:var(--bg)}
.sec--tight{padding:72px 0}
.sec--navy{background:var(--navy-900);color:rgba(255,255,255,.74)}
.sec--navy .h-sec,.sec--navy h2,.sec--navy h3{color:#fff}
.sec--navy .lede{color:rgba(255,255,255,.72)}
.grid{display:grid;gap:22px}
.g-2{grid-template-columns:repeat(2,1fr)}
.g-3{grid-template-columns:repeat(3,1fr)}
.g-4{grid-template-columns:repeat(4,1fr)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split--top{align-items:start}
.split--wide{grid-template-columns:1.15fr .85fr}
.split--narrow{grid-template-columns:.8fr 1.2fr}
.rule{height:1px;background:var(--line);border:0;margin:0}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:14px 24px;border-radius:var(--r-sm);border:1px solid transparent;
  font-size:15px;font-weight:700;letter-spacing:.01em;cursor:pointer;
  transition:transform .25s var(--ease),background .25s,color .25s,border-color .25s,box-shadow .25s;
}
.btn svg{width:17px;height:17px;flex:none}
.btn--pri{background:var(--teal-600);color:#fff;box-shadow:0 16px 30px -20px rgba(14,124,134,.9)}
.btn--pri:hover{background:var(--teal-700);transform:translateY(-2px)}
.btn--out{border-color:rgba(11,31,46,.16);background:#fff;color:var(--ink)}
.btn--out:hover{border-color:var(--teal-500);color:var(--teal-700);transform:translateY(-2px)}
.btn--navy{background:var(--navy-900);color:#fff}
.btn--navy:hover{background:var(--navy-700);transform:translateY(-2px)}
.btn--light{background:#fff;color:var(--navy-900)}
.btn--light:hover{background:var(--mint);color:var(--navy-900);transform:translateY(-2px)}
.btn--ghost{border-color:rgba(255,255,255,.35);color:#fff}
.btn--ghost:hover{border-color:#fff;background:rgba(255,255,255,.09)}
.btn--sm{padding:10px 16px;font-size:13.5px}
.btn--block{width:100%}
.link-arrow{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:14.5px;color:var(--teal-700);transition:gap .25s}
.link-arrow::after{content:"→";transition:transform .25s var(--ease)}
.link-arrow:hover::after{transform:translateX(4px)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;align-items:center}

/* ---------- top utility bar ---------- */
.topbar{background:var(--navy-950);color:rgba(255,255,255,.68);font-size:13px}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:42px}
.topbar-list{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.topbar a{display:inline-flex;align-items:center;gap:8px;color:rgba(255,255,255,.82);transition:color .2s}
.topbar a:hover{color:var(--mint)}
.topbar .tb-note{color:rgba(255,255,255,.5)}

/* ---------- header ---------- */
.site-head{
  position:sticky;top:0;z-index:70;
  background:rgba(255,255,255,.94);
  -webkit-backdrop-filter:saturate(160%) blur(14px);backdrop-filter:saturate(160%) blur(14px);
  border-bottom:1px solid var(--line);
  transition:box-shadow .3s;
}
.site-head.scrolled{box-shadow:0 18px 40px -34px rgba(6,25,43,.75)}
.head-inner{display:flex;align-items:center;gap:26px;min-height:78px}
.brand{display:flex;align-items:center;gap:12px;flex:none}
.brand-mark{
  width:42px;height:42px;border-radius:12px;flex:none;
  background:linear-gradient(140deg,var(--navy-800),var(--teal-600) 85%);
  color:#fff;display:grid;place-items:center;
  font-family:var(--serif);font-size:19px;font-weight:600;letter-spacing:-.03em;
  box-shadow:0 10px 22px -14px rgba(14,124,134,.9);
}
.brand-text{display:flex;flex-direction:column;line-height:1.15}
.brand-text b{font-family:var(--serif);font-size:20px;font-weight:600;letter-spacing:-.02em;color:var(--ink)}
.brand-text span{font-size:10.5px;font-weight:800;letter-spacing:.19em;text-transform:uppercase;color:var(--muted)}
.nav{display:flex;align-items:center;gap:2px;margin:0 auto}
.nav a{
  position:relative;padding:10px 13px;border-radius:9px;
  font-size:14.5px;font-weight:600;color:#33536A;transition:color .2s,background .2s;
}
.nav a:hover{color:var(--teal-700);background:var(--line-soft)}
.nav a.is-active{color:var(--navy-900)}
.nav a.is-active::after{content:"";position:absolute;left:13px;right:13px;bottom:3px;height:2px;border-radius:2px;background:var(--teal-500)}
.head-cta{display:flex;align-items:center;gap:10px;flex:none}
.burger{
  display:none;width:46px;height:46px;border-radius:12px;border:1px solid var(--line);
  background:#fff;cursor:pointer;place-items:center;
}
.burger span{display:block;width:19px;height:2px;background:var(--navy-900);border-radius:2px;position:relative}
.burger span::before,.burger span::after{content:"";position:absolute;left:0;width:19px;height:2px;background:var(--navy-900);border-radius:2px}
.burger span::before{top:-6px}
.burger span::after{top:6px}

.drawer{
  position:fixed;top:0;right:0;bottom:0;z-index:120;width:min(88vw,360px);
  background:#fff;border-left:1px solid var(--line);
  transform:translateX(101%);transition:transform .42s var(--ease);
  display:flex;flex-direction:column;padding:20px 22px 26px;overflow-y:auto;
  box-shadow:-30px 0 70px -50px rgba(6,25,43,.8);
}
.drawer.open{transform:none}
.drawer-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:22px}
.drawer-x{width:42px;height:42px;border-radius:11px;border:1px solid var(--line);background:#fff;cursor:pointer;font-size:15px}
.drawer nav{display:flex;flex-direction:column;margin-bottom:24px}
.drawer nav a{
  padding:15px 4px;border-bottom:1px solid var(--line-soft);
  font-size:16px;font-weight:600;color:var(--ink);
  display:flex;align-items:center;justify-content:space-between;
}
.drawer nav a::after{content:"→";color:var(--teal-500);font-size:14px}
.drawer nav a.is-active{color:var(--teal-700)}
.drawer .drawer-foot{border-top:1px solid var(--line);padding-top:20px;margin-top:auto;font-size:14px;color:var(--muted)}
.drawer .drawer-foot a{font-weight:700;color:var(--navy-900)}
.scrim{
  position:fixed;inset:0;z-index:110;background:rgba(6,25,43,.5);
  -webkit-backdrop-filter:blur(2px);backdrop-filter:blur(2px);
  opacity:0;pointer-events:none;transition:opacity .3s;
}
.scrim.open{opacity:1;pointer-events:auto}

/* ---------- hero ---------- */
.hero{position:relative;padding:58px 0 0;background:linear-gradient(180deg,#F3F9FA 0%,#FBFDFE 55%,#fff 100%);overflow:hidden}
.hero::before{
  content:"";position:absolute;top:-220px;right:-160px;width:560px;height:560px;border-radius:50%;
  background:radial-gradient(circle,rgba(18,160,166,.16),rgba(18,160,166,0) 68%);pointer-events:none;
}
.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:56px;align-items:center;position:relative}
.hero-copy .h-xl{font-size:clamp(2.35rem,5.1vw,4rem);line-height:1.03;margin:22px 0 20px}
.hero-copy .hero-line{font-size:18.5px;color:var(--muted);max-width:52ch;margin-bottom:30px}
.hero-copy .btn-row{margin-bottom:34px}
.hero-chips{display:flex;flex-wrap:wrap;gap:10px}
.chiplet{
  display:inline-flex;align-items:center;gap:9px;padding:9px 15px;border-radius:999px;
  background:#fff;border:1px solid var(--line);font-size:13px;font-weight:600;color:#2C4A5D;
}
.chiplet b{color:var(--teal-700);font-weight:800}

.hero-media{position:relative;padding:26px 26px 26px 22px}
.hero-frame{
  position:relative;border-radius:var(--r-xl);overflow:hidden;background:var(--navy-800);
  box-shadow:var(--sh-2);aspect-ratio:1/1;
}
.hero-frame img{width:100%;height:100%;object-fit:cover;object-position:center 22%}
.hero-frame::after{content:"";position:absolute;inset:0;background:linear-gradient(198deg,rgba(4,18,30,.02) 42%,rgba(4,18,30,.66) 100%)}
.hero-plate{
  position:absolute;left:22px;right:22px;bottom:20px;z-index:3;color:#fff;
  display:flex;align-items:center;justify-content:space-between;gap:16px;
}
@media (max-width:1080px){.hero-plate{flex-direction:column;align-items:flex-start;gap:6px;right:auto}}
.hero-plate .ready{display:flex;align-items:center;gap:11px;font-size:13.5px;font-weight:700;color:#fff;text-shadow:0 1px 10px rgba(4,18,30,.5)}
.hero-plate .ready i{width:26px;height:26px;border-radius:50%;background:var(--mint);color:var(--navy-900);display:grid;place-items:center;font-style:normal;font-size:13px;flex:none}
.hero-plate .ready small{display:block;font-weight:500;opacity:.78;font-size:12px}
.hero-deco{display:none}
.hero-rail{
  position:absolute;left:-8px;top:44px;z-index:4;display:flex;flex-direction:column;gap:12px;
}
.hero-rail span{
  width:46px;height:46px;border-radius:14px;background:#fff;border:1px solid var(--line);
  display:grid;place-items:center;font-size:20px;box-shadow:var(--sh-1);
}
.hero-rail span:nth-child(1){transform:translateX(-6px) rotate(-7deg)}
.hero-rail span:nth-child(2){transform:translateX(6px) rotate(5deg)}
.hero-rail span:nth-child(3){transform:translateX(-8px) rotate(4deg)}
.hero-rail span:nth-child(4){transform:translateX(8px) rotate(-6deg)}
.hero-rail span:nth-child(5){transform:translateX(-4px) rotate(3deg)}

.overview{
  position:absolute;right:-14px;bottom:36px;z-index:5;width:278px;
  background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);
  padding:20px;box-shadow:0 26px 55px -34px rgba(4,18,30,.6);
}
.overview-head{display:flex;align-items:flex-start;justify-content:space-between;gap:12px;margin-bottom:14px}
.overview-head p{margin:0;font-size:11.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.overview-head b{display:block;font-family:var(--serif);font-size:29px;font-weight:600;color:var(--ink);letter-spacing:-.02em}
.delta{
  display:inline-flex;align-items:center;gap:4px;padding:5px 10px;border-radius:999px;
  background:rgba(18,160,166,.12);color:var(--teal-700);font-size:12px;font-weight:800;white-space:nowrap;
}
.overview .spark{width:100%;height:64px;display:block}
.overview-trio{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:14px;padding-top:14px;border-top:1px solid var(--line-soft)}
.overview-trio div{text-align:center;font-size:11.5px;font-weight:700;color:#2C4A5D}
.overview-trio span{display:block;font-size:17px;margin-bottom:3px}

/* ---------- stat band ---------- */
.statband{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);margin-top:64px}
.statband-in{display:grid;grid-template-columns:repeat(3,1fr)}
.stat{padding:34px 26px;text-align:center;border-right:1px solid var(--line)}
.stat:last-child{border-right:0}
.stat b{display:block;font-family:var(--serif);font-size:clamp(2.1rem,4vw,3rem);font-weight:600;color:var(--teal-700);line-height:1;letter-spacing:-.02em}
.stat span{display:block;margin-top:10px;font-size:12.5px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--muted)}

/* ---------- ticker ---------- */
.ticker{background:var(--navy-950);overflow:hidden;padding:15px 0;border-top:1px solid rgba(255,255,255,.08)}
.ticker-track{display:flex;width:max-content;animation:slide 38s linear infinite}
.ticker:hover .ticker-track{animation-play-state:paused}
.ticker-group{display:flex;align-items:center;gap:44px;padding-right:44px}
.ticker-group span{display:inline-flex;align-items:center;gap:10px;white-space:nowrap;font-size:13.5px;font-weight:600;color:rgba(255,255,255,.8)}
.ticker-group span i{font-style:normal;font-size:15px}
@keyframes slide{to{transform:translateX(-50%)}}

/* ---------- cards ---------- */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;transition:transform .3s var(--ease),box-shadow .3s,border-color .3s}
.card:hover{transform:translateY(-4px);box-shadow:var(--sh-1);border-color:#BFE0E1}
.card .ico{
  width:48px;height:48px;border-radius:13px;display:grid;place-items:center;
  background:var(--line-soft);font-size:22px;margin-bottom:18px;
}
.card h3{font-size:17.5px;font-weight:700;margin-bottom:8px;font-family:var(--sans);letter-spacing:-.005em}
.card p{font-size:15px;color:var(--muted);margin:0}
.card .idx{
  font-family:var(--serif);font-size:15px;color:var(--teal-500);font-weight:600;
  display:block;margin-bottom:12px;letter-spacing:.02em;
}

/* pillars */
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:#fff}
.pillar{padding:30px 26px;border-right:1px solid var(--line);position:relative}
.pillar:last-child{border-right:0}
.pillar b{display:block;font-family:var(--serif);font-size:13px;color:var(--teal-500);letter-spacing:.1em;margin-bottom:16px}
.pillar .ico{font-size:24px;margin-bottom:12px}
.pillar h3{font-size:17px;margin-bottom:7px}
.pillar p{font-size:14.5px;color:var(--muted);margin:0}

/* mini stats */
.ministats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:34px}
.mini{border:1px solid var(--line);border-radius:var(--r);padding:20px;background:#fff}
.mini b{display:block;font-family:var(--serif);font-size:26px;color:var(--navy-800);letter-spacing:-.02em}
.mini span{display:block;margin-top:6px;font-size:12.5px;font-weight:700;color:var(--muted);line-height:1.45}

/* why list */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 48px;margin-top:12px}
.why{border-top:1px solid rgba(255,255,255,.13);padding:24px 0;display:grid;grid-template-columns:44px 1fr;gap:18px}
.why .ico{width:44px;height:44px;border-radius:12px;background:rgba(63,214,194,.1);display:grid;place-items:center;font-size:19px}
.why h3{font-size:16.5px;margin-bottom:6px;font-family:var(--sans);font-weight:700}
.why p{font-size:14.8px;color:rgba(255,255,255,.68);margin:0}

/* quotes */
.quotes{display:grid;grid-template-columns:repeat(6,1fr);gap:22px}
.quotes .quote{grid-column:span 2}
.quotes .quote:nth-child(4),.quotes .quote:nth-child(5){grid-column:span 3}
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;display:flex;flex-direction:column;gap:16px;transition:transform .3s var(--ease),box-shadow .3s}
.quote:hover{transform:translateY(-4px);box-shadow:var(--sh-1)}
.quote .stars{color:var(--star);letter-spacing:3px;font-size:14px}
.quote blockquote{margin:0;font-family:var(--serif);font-size:18.5px;line-height:1.55;color:#17364A;letter-spacing:-.01em}
.quote footer{display:flex;align-items:center;gap:13px;margin-top:auto;padding-top:6px}
.avatar{
  width:44px;height:44px;border-radius:50%;flex:none;display:grid;place-items:center;
  font-size:13.5px;font-weight:800;color:#fff;background:linear-gradient(140deg,var(--navy-800),var(--teal-600));
}
.quote .who b{display:block;font-size:14.8px;color:var(--ink)}
.quote .who span{font-size:13px;color:var(--muted)}

/* faq */
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 46px;margin-top:34px}
@media (min-width:1180px){.faq-grid{grid-template-columns:repeat(3,1fr);gap:0 40px}}
.qa{border-top:1px solid var(--line)}
.qa:last-child{border-bottom:1px solid var(--line)}
.qa summary{
  display:flex;align-items:flex-start;gap:16px;padding:23px 0;cursor:pointer;
  font-size:16.8px;font-weight:700;color:var(--ink);list-style:none;
}
.qa summary::-webkit-details-marker{display:none}
.qa summary .qn{font-family:var(--serif);font-size:14.5px;color:var(--teal-500);padding-top:3px;flex:none}
.qa summary .pm{margin-left:auto;flex:none;width:22px;height:22px;position:relative;top:3px}
.qa summary .pm::before,.qa summary .pm::after{content:"";position:absolute;left:50%;top:50%;background:var(--teal-600);border-radius:2px;transform:translate(-50%,-50%);transition:transform .3s var(--ease)}
.qa summary .pm::before{width:13px;height:2px}
.qa summary .pm::after{width:2px;height:13px}
.qa[open] summary .pm::after{transform:translate(-50%,-50%) rotate(90deg);opacity:0}
.qa[open] summary{color:var(--teal-700)}
.qa .a{padding:0 0 24px 34px;font-size:15.3px;color:var(--muted);margin:0;animation:fadeIn .3s ease}
@keyframes fadeIn{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:none}}

/* ---------- cta ---------- */
.cta{
  position:relative;overflow:hidden;border-radius:var(--r-xl);
  background:var(--navy-900);color:rgba(255,255,255,.76);
  padding:clamp(34px,5vw,62px);
}
.cta::before{
  content:"";position:absolute;top:-45%;right:-12%;width:620px;height:620px;border-radius:50%;
  background:radial-gradient(circle,rgba(18,160,166,.42),rgba(18,160,166,0) 66%);
}
.cta::after{
  content:"";position:absolute;left:-8%;bottom:-60%;width:460px;height:460px;border-radius:50%;
  background:radial-gradient(circle,rgba(63,214,194,.22),rgba(63,214,194,0) 68%);
}
.cta > *{position:relative;z-index:1}
.cta h2{color:#fff;font-family:var(--serif);font-size:clamp(1.75rem,3.4vw,2.6rem);line-height:1.12;letter-spacing:-.02em;margin:16px 0 16px}
.cta p{color:rgba(255,255,255,.74);font-size:17px;max-width:60ch}
.cta-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
.tiles{display:grid;gap:14px}
.tile{
  display:flex;align-items:center;gap:16px;padding:18px 20px;border-radius:var(--r);
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);
}
.tile .ico{width:44px;height:44px;border-radius:12px;background:rgba(63,214,194,.14);display:grid;place-items:center;font-size:19px;flex:none}
.tile small{display:block;font-size:11.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.55)}
.tile b{font-size:15.6px;color:#fff;font-weight:600}

/* newsletter band */
.band{background:linear-gradient(120deg,#EDF7F8,#F7FBFB 55%,#EFF6F8);border:1px solid var(--line);border-radius:var(--r-xl);padding:clamp(30px,4.4vw,54px);display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.band .ico-lg{width:56px;height:56px;border-radius:16px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;font-size:25px;margin-bottom:18px}
.band h2{font-family:var(--serif);font-size:clamp(1.6rem,3vw,2.3rem);line-height:1.14;letter-spacing:-.02em;margin:0 0 12px}
.band p{color:var(--muted);font-size:16.5px}
.band .band-cta{justify-self:end}

/* ---------- page hero (inner pages) ---------- */
.page-hero{position:relative;overflow:hidden;background:var(--navy-900);color:rgba(255,255,255,.76);padding:52px 0 62px}
.page-hero::before{
  content:"";position:absolute;top:-46%;right:6%;width:540px;height:540px;border-radius:50%;
  background:radial-gradient(circle,rgba(18,160,166,.36),rgba(18,160,166,0) 66%);
}
.page-hero::after{
  content:"";position:absolute;inset:0;
  background:repeating-linear-gradient(90deg,rgba(255,255,255,.045) 0 1px,transparent 1px 92px);
  opacity:.5;
}
.page-hero .wrap{position:relative;z-index:1}
.crumbs{display:flex;align-items:center;gap:9px;font-size:12.8px;color:rgba(255,255,255,.55);margin-bottom:20px}
.crumbs a:hover{color:var(--mint)}
.crumbs i{font-style:normal;opacity:.55}
.page-hero h1{color:#fff;font-family:var(--serif);font-size:clamp(2.05rem,4.3vw,3.25rem);line-height:1.08;letter-spacing:-.025em;max-width:24ch}
.page-hero .lede{color:rgba(255,255,255,.74);font-size:18px;margin-top:18px;max-width:66ch}
.page-hero .hero-actions{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap}

/* ---------- services page ---------- */
.anchor-nav{position:sticky;top:78px;z-index:50;background:rgba(255,255,255,.95);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.anchor-nav .wrap{display:flex;gap:9px;overflow-x:auto;padding:14px 22px;scrollbar-width:none}
.anchor-nav .wrap::-webkit-scrollbar{display:none}
.chip{
  display:inline-flex;align-items:center;gap:8px;padding:9px 15px;border-radius:999px;white-space:nowrap;
  border:1px solid var(--line);background:#fff;font-size:13.4px;font-weight:700;color:#2C4A5D;transition:.25s;
}
.chip:hover{border-color:var(--teal-500);color:var(--teal-700)}
.chip.is-on{background:var(--navy-900);border-color:var(--navy-900);color:#fff}
.vsec{padding:82px 0;border-top:1px solid var(--line);scroll-margin-top:130px}
.vsec:nth-of-type(even){background:var(--bg)}
.vsec-head{display:grid;grid-template-columns:.82fr 1.18fr;gap:44px;align-items:start;margin-bottom:38px}
.vhead-ico{display:flex;align-items:center;gap:16px}
.vhead-ico .ico{width:54px;height:54px;border-radius:15px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;font-size:25px;box-shadow:var(--sh-1)}
.vhead-ico .t b{display:block;font-family:var(--serif);font-size:13px;color:var(--teal-500);letter-spacing:.08em}
.vhead-ico .t h2{font-family:var(--serif);font-size:clamp(1.6rem,2.9vw,2.2rem);letter-spacing:-.02em;line-height:1.14}
.vsec-head .tag{font-size:16.5px;color:var(--muted);margin:0;max-width:58ch}
.vsec-head .tag b{color:var(--ink);font-weight:700}
.intro-block{display:grid;grid-template-columns:54px 1fr;gap:20px;align-items:start;margin-bottom:34px;max-width:95ch}
.intro-block .ico{width:54px;height:54px;border-radius:15px;background:#fff;border:1px solid var(--line);display:grid;place-items:center;font-size:24px}
.intro-block p{font-size:17px;color:var(--body);margin:0}

/* ---------- forms ---------- */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-xl);padding:clamp(24px,3.4vw,40px);box-shadow:var(--sh-1)}
.form-card h2{font-family:var(--serif);font-size:clamp(1.5rem,2.6vw,2rem);letter-spacing:-.02em;margin-bottom:8px}
.form-card .sub{color:var(--muted);font-size:15.5px;margin-bottom:26px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{margin-bottom:18px}
.field label{display:block;font-size:13.4px;font-weight:700;color:#28485D;margin-bottom:8px}
.req{color:var(--danger);font-weight:800}
.input,.select,.textarea{
  width:100%;padding:14px 16px;border:1px solid #D6E2E9;border-radius:var(--r-sm);
  background:#fff;font:inherit;font-size:15.4px;color:var(--ink);
  transition:border-color .2s,box-shadow .2s,background .2s;appearance:none;
}
.select{
  background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='9' viewBox='0 0 14 9'%3E%3Cpath fill='none' stroke='%235F7889' stroke-width='2' d='M1 1l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 16px center;padding-right:42px;
}
.textarea{min-height:132px;resize:vertical}
.input:focus,.select:focus,.textarea:focus{outline:none;border-color:var(--teal-500);box-shadow:0 0 0 4px rgba(18,160,166,.14)}
.input::placeholder,.textarea::placeholder{color:#9AAEBA}
.field.err .input,.field.err .select,.field.err .textarea{border-color:var(--danger);box-shadow:0 0 0 4px rgba(179,52,31,.1)}
.err-msg{display:none;margin-top:7px;font-size:12.8px;font-weight:700;color:var(--danger)}
.field.err .err-msg{display:block}
.check{display:flex;gap:12px;align-items:flex-start;font-size:14.4px;color:var(--muted);cursor:pointer}
.check input{width:19px;height:19px;margin-top:2px;flex:none;accent-color:var(--teal-600)}
.check a{color:var(--teal-700);font-weight:700;text-decoration:underline;text-underline-offset:2px}
.field.err .check{color:var(--danger)}
.form-note{margin-top:18px;font-size:14px;color:var(--muted);text-align:center}
.form-note a,.form-note button{color:var(--teal-700);font-weight:700;text-decoration:underline;text-underline-offset:2px;background:none;border:0;padding:0;cursor:pointer}
.form-side{display:grid;gap:16px;align-content:start}
.done{
  display:none;gap:14px;align-items:flex-start;margin-top:20px;padding:18px 20px;
  border:1px solid rgba(18,160,166,.35);background:rgba(18,160,166,.07);border-radius:var(--r);
}
.done.show{display:flex;animation:fadeIn .35s ease}
.done .ico{width:38px;height:38px;border-radius:11px;background:#fff;display:grid;place-items:center;font-size:17px;flex:none;border:1px solid rgba(18,160,166,.3)}
.done h3{font-size:15.6px;margin-bottom:4px}
.done p{font-size:14.4px;color:var(--muted);margin:0 0 10px}
.done .btn{padding:8px 14px;font-size:13px}

/* ---------- legal ---------- */
.legal-grid{display:grid;grid-template-columns:280px 1fr;gap:56px;align-items:start}
.toc{position:sticky;top:110px;border-left:2px solid var(--line);padding-left:20px}
.toc p{font-size:11.5px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.toc a{display:block;padding:7px 0;font-size:13.8px;color:#4A6B7E;line-height:1.45;transition:color .2s,transform .2s}
.toc a:hover{color:var(--teal-700);transform:translateX(3px)}
.legal-body{max-width:78ch}
.legal-body h2{
  font-family:var(--serif);font-size:clamp(1.25rem,2.1vw,1.6rem);font-weight:600;letter-spacing:-.015em;
  color:var(--ink);margin:46px 0 14px;padding-top:26px;border-top:1px solid var(--line);scroll-margin-top:120px;
}
.legal-body h2:first-of-type{margin-top:0;padding-top:0;border-top:0}
.legal-body p{color:var(--body);font-size:16px}
.callout{
  display:flex;gap:16px;align-items:flex-start;padding:22px 24px;border-radius:var(--r);
  background:var(--bg);border:1px solid var(--line);margin-bottom:38px;
}
.callout .ico{font-size:22px}
.callout p{margin:0;font-size:15.4px;color:var(--body)}

/* ---------- footer ---------- */
.site-foot{background:var(--navy-950);color:rgba(255,255,255,.66);padding:74px 0 26px}
.site-foot a{transition:color .2s}
.site-foot a:hover{color:var(--mint)}
.foot-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:44px;padding-bottom:46px}
.foot-brand .brand-text b{color:#fff}
.foot-brand .brand-text span{color:rgba(255,255,255,.5)}
.foot-brand p{font-size:15px;margin:20px 0 22px;max-width:38ch;line-height:1.7}
.foot-meta{display:flex;flex-direction:column;gap:10px;font-size:14.4px}
.foot-meta a,.foot-meta span{display:inline-flex;align-items:center;gap:10px;color:rgba(255,255,255,.7)}
.site-foot h4{
  color:#fff;font-size:11.5px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;
  margin:0 0 20px;
}
.foot-links{display:flex;flex-direction:column;gap:12px;font-size:14.8px}
.foot-links a{color:rgba(255,255,255,.66)}
.foot-links a.is-active{color:var(--mint)}
.foot-rule{height:1px;background:rgba(255,255,255,.12);border:0;margin:0}
.foot-bot{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;padding-top:26px;font-size:13.4px;color:rgba(255,255,255,.5)}
.foot-bot ul{display:flex;gap:22px;flex-wrap:wrap}
.foot-bot a{color:rgba(255,255,255,.62)}

/* ---------- toasts ---------- */
.toast-stack{position:fixed;right:22px;bottom:22px;z-index:300;display:flex;flex-direction:column;gap:12px;width:min(92vw,382px);pointer-events:none}
.toast{
  position:relative;pointer-events:auto;overflow:hidden;
  display:flex;gap:14px;align-items:flex-start;
  background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal-500);
  border-radius:var(--r);padding:16px 44px 18px 16px;
  box-shadow:0 30px 60px -32px rgba(6,25,43,.6);
  animation:toastIn .45s var(--ease);
}
.toast.out{animation:toastOut .32s var(--ease) forwards}
.toast .t-ico{width:38px;height:38px;border-radius:11px;background:var(--line-soft);display:grid;place-items:center;font-size:17px;flex:none}
.toast h4{margin:2px 0 4px;font-size:15.2px;font-weight:700}
.toast p{margin:0;font-size:13.9px;color:var(--muted);line-height:1.55}
.toast .t-x{position:absolute;top:11px;right:11px;width:26px;height:26px;border:0;border-radius:8px;background:transparent;color:var(--muted);cursor:pointer;font-size:12px;line-height:1}
.toast .t-x:hover{background:var(--line-soft);color:var(--ink)}
.toast .bar{position:absolute;left:0;bottom:0;height:3px;width:100%;background:var(--teal-500);transform-origin:left;animation:barRun 6000ms linear forwards}
.toast--success{border-left-color:var(--mint)}
.toast--success .t-ico{background:rgba(63,214,194,.2)}
.toast--success .bar{background:var(--mint)}
.toast--error{border-left-color:var(--danger)}
.toast--error .t-ico{background:rgba(179,52,31,.1)}
.toast--error .bar{background:var(--danger)}
@keyframes toastIn{from{opacity:0;transform:translateY(18px) scale(.97)}to{opacity:1;transform:none}}
@keyframes toastOut{to{opacity:0;transform:translateX(22px)}}
@keyframes barRun{from{transform:scaleX(1)}to{transform:scaleX(0)}}

/* ---------- misc ---------- */
.to-top{
  position:fixed;left:22px;bottom:22px;z-index:90;width:46px;height:46px;border-radius:50%;
  border:1px solid var(--line);background:#fff;color:var(--navy-900);cursor:pointer;
  display:grid;place-items:center;box-shadow:var(--sh-1);
  opacity:0;pointer-events:none;transform:translateY(12px);transition:opacity .3s,transform .3s;
}
.to-top.show{opacity:1;pointer-events:auto;transform:none}
.to-top:hover{background:var(--navy-900);color:#fff;border-color:var(--navy-900)}

[data-reveal]{opacity:0;transform:translateY(24px);transition:opacity .75s ease,transform .75s var(--ease)}
[data-reveal].in{opacity:1;transform:none}
[data-reveal="l"]{transform:translateX(-26px)}
[data-reveal="r"]{transform:translateX(26px)}
[data-reveal="l"].in,[data-reveal="r"].in{transform:none}
[data-delay="1"]{transition-delay:.08s}
[data-delay="2"]{transition-delay:.16s}
[data-delay="3"]{transition-delay:.24s}
[data-delay="4"]{transition-delay:.32s}

/* ---------- responsive ---------- */
@media (max-width:1080px){
  .head-inner{gap:14px}
  .nav a{padding:10px 10px;font-size:14px}
  .g-4{grid-template-columns:repeat(2,1fr)}
  .pillars{grid-template-columns:repeat(2,1fr)}
  .pillar:nth-child(2n){border-right:0}
  .pillar:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .overview{right:6px;bottom:26px;width:250px}
  .legal-grid{grid-template-columns:1fr;gap:34px}
  .toc{position:static;border-left:0;border-top:2px solid var(--line);padding:20px 0 0;display:none}
  .foot-grid{grid-template-columns:1.4fr 1fr 1fr;gap:36px}
}
@media (max-width:980px){
  .nav,.head-cta .btn{display:none}
  .burger{display:grid}
  .head-inner{justify-content:space-between}
  .hero-grid{grid-template-columns:1fr;gap:38px}
  .hero-media{max-width:560px;padding:20px 20px 20px 0}
  .hero-rail{left:-6px;top:20px}
  .split,.split--wide,.split--narrow,.cta-grid,.band,.vsec-head{grid-template-columns:1fr;gap:32px}
  .band .band-cta{justify-self:start}
  .g-3{grid-template-columns:repeat(2,1fr)}
  .why-grid,.faq-grid{grid-template-columns:1fr;gap:0}
  .quotes{grid-template-columns:1fr;gap:18px}
  .quotes .quote,.quotes .quote:nth-child(4),.quotes .quote:nth-child(5){grid-column:auto}
  .quote:nth-child(n){transform:none}
  .topbar .tb-note{display:none}
  .topbar .wrap{justify-content:center}
  .anchor-nav{top:70px}
  .vsec{padding:64px 0}
}
@media (max-width:760px){
  body{font-size:16px}
  .sec{padding:70px 0}
  .g-2,.g-3,.g-4,.ministats,.form-row{grid-template-columns:1fr}
  .pillars{grid-template-columns:1fr}
  .pillar{border-right:0;border-bottom:1px solid var(--line)}
  .pillar:last-child{border-bottom:0}
  .statband-in{grid-template-columns:1fr}
  .stat{border-right:0;border-bottom:1px solid var(--line)}
  .stat:last-child{border-bottom:0}
  .overview{position:relative;right:auto;bottom:auto;width:100%;margin-top:18px}
  .hero-rail{display:none}
  .foot-grid{grid-template-columns:1fr 1fr;gap:32px}
  .foot-brand{grid-column:1/-1}
  .foot-bot{flex-direction:column;align-items:flex-start}
  .toast-stack{right:12px;bottom:12px;width:calc(100vw - 24px)}
  .to-top{left:12px;bottom:12px}
  .legal-body h2{scroll-margin-top:100px}
}
@media (max-width:460px){
  .topbar .wrap{padding:8px 18px}
  .topbar-list{gap:14px;font-size:12.4px}
  .head-inner{min-height:70px}
  .brand-mark{width:38px;height:38px;font-size:17px}
  .brand-text b{font-size:18px}
  .brand-text span{font-size:9.5px;letter-spacing:.15em}
  .btn{padding:13px 18px;font-size:14.4px}
  .hero-copy .h-xl{font-size:2.1rem}
  .foot-grid{grid-template-columns:1fr}
}

@media print{
  .site-head,.topbar,.drawer,.scrim,.toast-stack,.to-top,.anchor-nav{display:none!important}
  body{color:#000}
  .page-hero{background:#fff;color:#000}
  .page-hero h1{color:#000}
}

/* ---------- additional components ---------- */
.card-list{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 20px}
.card-list li{
  font-size:12.9px;font-weight:600;color:#2C4A5D;line-height:1.3;
  background:var(--line-soft);border:1px solid var(--line);border-radius:999px;padding:6px 11px;
}
.card .link-arrow{margin-top:auto}
.card--flex{display:flex;flex-direction:column}
.card--flex > p{margin-bottom:2px}

.info-card{display:flex;align-items:center;gap:16px;padding:20px;border:1px solid var(--line);border-radius:var(--r);background:#fff}
.info-card .ico{width:46px;height:46px;border-radius:13px;background:var(--line-soft);display:grid;place-items:center;font-size:20px;flex:none}
.info-card small{display:block;font-size:11.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.info-card b{font-size:15.6px;color:var(--ink);font-weight:600;word-break:break-word}

.bullets{display:grid;gap:16px}
.bullets li{display:flex;gap:14px;align-items:flex-start;font-size:16px;color:var(--body)}
.bullets li i{
  width:24px;height:24px;flex:none;border-radius:50%;background:rgba(18,160,166,.12);
  color:var(--teal-700);display:grid;place-items:center;font-style:normal;font-size:12.5px;margin-top:2px;
}

.steps{margin-top:8px}
.step{display:grid;grid-template-columns:58px 1fr;gap:20px;padding:28px 0;border-top:1px solid rgba(255,255,255,.14)}
.step:last-child{border-bottom:1px solid rgba(255,255,255,.14)}
.step b{font-family:var(--serif);font-size:27px;color:var(--mint);line-height:1}
.step h3{font-family:var(--sans);font-size:17.5px;font-weight:700;margin-bottom:8px}
.step p{font-size:15.4px;color:rgba(255,255,255,.68);margin:0}

.panel{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px}
.stack{display:grid;gap:22px;align-content:start}
.tile-label{display:flex;align-items:center;gap:14px;padding:16px 18px;border:1px solid var(--line);border-radius:var(--r);background:#fff;font-size:15.4px;font-weight:600;color:var(--ink)}
.tile-label .ico{width:40px;height:40px;border-radius:11px;background:var(--line-soft);display:grid;place-items:center;font-size:18px;flex:none}
.figure{border:1px solid var(--line);border-radius:var(--r-xl);overflow:hidden;box-shadow:var(--sh-1);background:var(--line-soft)}
.figure img{width:100%}
.figcap{font-size:13px;color:var(--muted);margin-top:12px}
.vsec:first-child{border-top:0}
@media (max-width:1080px){.info-card{flex-direction:row}}