:root{
  --ink:#0E2B24; --ink-2:#143A30; --ink-3:#1D4B3E; --ink-deep:#0A211B;
  --paper:#F1F3EE; --white:#FFFFFF; --sage:#DFE8DF; --sage-2:#EEF2EC;
  --amber:#F5A623; --amber-lt:#FFC15E; --amber-deep:#8A5406;
  --muted:#5C6E66; --line:#D5DDD4; --line-dark:#2C574A; --flag:#8F3A22;
  --sans:"Bricolage Grotesque",-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --wrap:1280px; --gut:clamp(16px,4vw,40px); --r:26px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--serif);font-size:17px;line-height:1.65;font-variant-numeric:tabular-nums;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-underline-offset:3px}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4,.ui{font-family:var(--sans);font-weight:700;letter-spacing:-.03em;line-height:1.05;margin:0}
h2{font-size:clamp(2rem,4.6vw,3.4rem)}
h3{font-size:clamp(1.15rem,2vw,1.42rem);letter-spacing:-.02em}
p{margin:0 0 1em;max-width:68ch}
.lede{font-size:1.08rem;color:#35483F}
.wrap{max-width:var(--wrap);margin:0 auto;padding-inline:var(--gut)}
section{padding-block:clamp(56px,7vw,110px)}
.dark{background:var(--ink);color:#E6EFE8}
.dark h2,.dark h3,.dark h4{color:#fff}
.dark p{color:#C4D6CB}
.sec-head{margin-bottom:clamp(30px,4.5vw,56px)}
.sec-head.center{text-align:center;max-width:60ch;margin-inline:auto}
.sec-head.split-head{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(20px,4vw,60px);align-items:end}
@media(max-width:900px){.sec-head.split-head{grid-template-columns:1fr;align-items:start}}

/* ---- image placeholders (swap with real photos) ---- */
.ph{position:relative;background:linear-gradient(135deg,#E4EAE3,#D3DDD3);border-radius:var(--r);overflow:hidden;display:flex;align-items:center;justify-content:center}
.ph::after{content:attr(data-ph);font-family:var(--sans);font-size:.78rem;font-weight:600;color:#7E9186;letter-spacing:.01em;padding:8px 12px;border:1px dashed #A9B9AE;border-radius:999px;background:rgba(255,255,255,.6)}
.ph.dark-ph{background:linear-gradient(140deg,#12332B 0%,#0C231D 55%,#1B4A3C 100%)}
.ph.dark-ph::after{color:#8FAF9D;border-color:#2F5648;background:rgba(0,0,0,.25)}

/* ---- buttons ---- */
.btn{display:inline-flex;align-items:center;gap:10px;font-family:var(--sans);font-weight:700;font-size:1rem;background:var(--amber);color:#2A1A00;border:none;border-radius:999px;padding:15px 28px;text-decoration:none;cursor:pointer;box-shadow:0 8px 22px -12px rgba(245,166,35,.9);transition:transform .16s,box-shadow .16s,background .16s}
.btn:hover{background:var(--amber-lt);transform:translateY(-2px);box-shadow:0 14px 28px -12px rgba(245,166,35,.95)}
.btn.ghost{background:var(--sage);color:var(--ink);box-shadow:none}
.btn.ghost:hover{background:var(--ink);color:#fff}
.btn.dark-btn{background:var(--ink);color:#fff;box-shadow:none}
.btn.dark-btn:hover{background:var(--ink-3)}
.dark .btn.ghost{background:rgba(255,255,255,.08);color:#fff;border:1px solid #33604F}
.dark .btn.ghost:hover{background:#fff;color:var(--ink)}
.btn.sm{padding:11px 20px;font-size:.92rem}
.arrow{width:16px;height:16px;flex:none}

/* ---- nav ---- */
.topnav{position:sticky;top:0;z-index:60;background:rgba(241,243,238,.97);backdrop-filter:blur(10px)}
.topnav .wrap{display:flex;align-items:center;gap:26px;padding-block:16px}
.logo{font-family:var(--sans);font-weight:800;font-size:1.5rem;letter-spacing:-.05em;text-decoration:none;display:flex;align-items:baseline;gap:7px}
.logo i{font-style:normal;font-weight:500;font-size:.75rem;color:var(--muted);letter-spacing:0}
.mainnav{margin-inline:auto;display:flex;gap:clamp(6px,1.4vw,18px);font-family:var(--sans);font-size:.98rem;font-weight:500;list-style:none;padding:0;margin-block:0}
.mainnav>li{position:relative}
.navtop{display:inline-flex;align-items:center;gap:7px;text-decoration:none;color:#22362F;background:none;border:none;font:inherit;cursor:pointer;padding:10px 12px;border-radius:12px;transition:background .2s,color .2s}
.navtop:hover,.mainnav>li.open .navtop{background:var(--sage);color:var(--ink)}
.navtop .caret{width:9px;height:9px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translate(-2px,-2px);transition:transform .25s;flex:none}
.mainnav>li.open .caret{transform:rotate(-135deg) translate(-3px,-3px)}
.drop{position:absolute;top:calc(100% + 10px);left:0;min-width:520px;background:var(--white);border-radius:22px;padding:18px;box-shadow:0 30px 60px -30px rgba(14,43,36,.55);display:grid;grid-template-columns:1.25fr .75fr;gap:18px;opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .22s,transform .22s,visibility .22s;z-index:70}
.mainnav>li:last-child .drop{left:auto;right:0}
.mainnav>li.open .drop{opacity:1;visibility:visible;transform:none}
.drop ul{list-style:none;margin:0;padding:0}
.drop a{display:block;text-decoration:none;padding:11px 14px;border-radius:14px;color:var(--ink);transition:background .18s}
.drop a:hover{background:var(--sage-2)}
.drop a b{display:block;font-weight:700;font-size:.97rem;letter-spacing:-.015em}
.drop a span{display:block;font-size:.83rem;color:var(--muted);font-weight:500;margin-top:2px;line-height:1.4}
.drop .side{background:var(--sage-2);border-radius:16px;padding:16px}
.drop .side h4{font-size:.78rem;color:var(--muted);font-weight:700;margin-bottom:10px}
.drop .side a{padding:7px 8px;font-size:.9rem;font-weight:600;border-radius:10px}
.drop .side a:hover{background:var(--white)}
.burger{display:none;width:48px;height:48px;border-radius:14px;border:1px solid var(--line);background:var(--white);cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px;flex:none}
.burger i{display:block;width:20px;height:2px;background:var(--ink);border-radius:2px;transition:transform .28s,opacity .2s}
.burger[aria-expanded=true] i:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded=true] i:nth-child(2){opacity:0}
.burger[aria-expanded=true] i:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mobilepanel{position:fixed;inset:0;background:var(--paper);z-index:55;padding:96px var(--gut) 40px;overflow-y:auto;overscroll-behavior:contain;opacity:0;visibility:hidden;transform:translateY(-12px);transition:opacity .28s,transform .28s,visibility .28s}
.mobilepanel.open{opacity:1;visibility:visible;transform:none}
.mgroup{border-bottom:1px solid var(--line)}
.mgroup>button{width:100%;display:flex;align-items:center;justify-content:space-between;gap:12px;background:none;border:none;cursor:pointer;font-family:var(--sans);font-weight:700;font-size:1.22rem;letter-spacing:-.025em;color:var(--ink);padding:20px 4px;text-align:left}
.mgroup>button .caret{width:10px;height:10px;border-right:2.4px solid currentColor;border-bottom:2.4px solid currentColor;transform:rotate(45deg);transition:transform .25s;flex:none}
.mgroup.open>button .caret{transform:rotate(-135deg)}
.mgroup .mlinks{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s ease}
.mgroup.open .mlinks{grid-template-rows:1fr}
.mgroup .mlinks>div{overflow:hidden}
.mgroup .mlinks a{display:block;text-decoration:none;font-family:var(--sans);font-weight:500;font-size:1rem;color:#33463E;padding:11px 4px 11px 16px;border-left:2px solid var(--line)}
.mgroup .mlinks a:hover,.mgroup .mlinks a:focus-visible{color:var(--ink);border-left-color:var(--amber)}
.mgroup .mlinks>div>div{padding-bottom:14px}
.mobilepanel .mfoot{margin-top:28px;display:flex;flex-direction:column;gap:12px}
.mobilepanel .mfoot .btn{justify-content:center}
.mobilepanel .mmeta{font-family:var(--sans);font-size:.86rem;color:var(--muted);font-weight:500;margin-top:24px}
.totop{position:fixed;right:clamp(16px,3vw,32px);bottom:clamp(16px,3vw,32px);width:54px;height:54px;border-radius:50%;background:var(--ink);color:#fff;border:none;cursor:pointer;display:flex;align-items:center;justify-content:center;z-index:64;opacity:0;visibility:hidden;transform:translateY(14px) scale(.85);transition:opacity .3s,transform .3s,visibility .3s,background .2s;box-shadow:0 16px 34px -16px rgba(14,43,36,.8)}
.totop.show{opacity:1;visibility:visible;transform:none}
.totop:hover{background:var(--amber);color:#20160A}
.totop svg{width:18px;height:18px}
.totop .ring{position:absolute;inset:-4px;border-radius:50%;pointer-events:none;transform:rotate(-90deg)}
.totop .ring circle{fill:none;stroke:var(--amber);stroke-width:2.6;stroke-linecap:round}
.pillcta{display:inline-flex;align-items:center;gap:10px;background:var(--ink);color:#fff;font-family:var(--sans);font-weight:700;font-size:.95rem;padding:13px 24px;border-radius:999px;text-decoration:none;transition:background .2s}
.pillcta:hover{background:var(--ink-3)}
.pillcta .blip{width:9px;height:9px;border-radius:50%;background:var(--amber);box-shadow:0 0 0 0 rgba(245,166,35,.7);animation:blip 2.4s infinite}
@keyframes blip{0%{box-shadow:0 0 0 0 rgba(245,166,35,.65)}70%{box-shadow:0 0 0 9px rgba(245,166,35,0)}100%{box-shadow:0 0 0 0 rgba(245,166,35,0)}}
@media(max-width:1100px){
  .mainnav{display:none}
  .topnav>.wrap>.pillcta{display:none}
  .burger{display:flex;margin-left:auto}
  .topnav .wrap{gap:14px}
}
@media(min-width:1101px){.mobilepanel{display:none}}

/* ---- HERO ---- */
.hero{padding:0 var(--gut) 0}
.hero-stage{position:relative;max-width:1560px;margin:0 auto;border-radius:34px;overflow:visible;min-height:clamp(560px,84vh,880px);display:flex;flex-direction:column;justify-content:space-between}
.hero-stage>.ph,.hero-stage::before{border-radius:34px}
.hero-stage>.ph{position:absolute;inset:0;z-index:0}
.hero-inner,.hero-foot{position:relative;z-index:2}
.hero-stage::before{content:"";position:absolute;inset:0;z-index:1;pointer-events:none;background:linear-gradient(180deg,rgba(10,33,27,.55) 0%,rgba(10,33,27,.18) 40%,rgba(10,33,27,.72) 100%)}
.hero-inner{text-align:center;padding:clamp(70px,10vw,110px) clamp(16px,4vw,50px) 0}
h1{display:block}
.giant{display:block;font-size:clamp(3.6rem,15.5vw,13.5rem);font-weight:800;letter-spacing:-.055em;line-height:.88;
  background:linear-gradient(180deg,#FFFFFF 26%,rgba(255,255,255,.34) 96%);-webkit-background-clip:text;background-clip:text;color:transparent;
  filter:drop-shadow(0 6px 30px rgba(0,0,0,.28))}
.subline{display:block;font-size:clamp(1.02rem,2.2vw,1.72rem);font-weight:600;color:#fff;letter-spacing:-.02em;line-height:1.25;max-width:24ch;margin:clamp(14px,2vw,22px) auto 0;border-top:1px solid rgba(255,255,255,.26);padding-top:clamp(14px,2vw,26px)}
.hero-sub{font-family:var(--sans);color:#D6E6DA;font-size:1rem;max-width:46ch;margin:18px auto 0;font-weight:500}
.hero-btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:26px}
.hero-foot{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:end;padding:clamp(40px,7vw,80px) clamp(18px,4vw,54px) clamp(46px,6vw,64px)}
.hf-left{max-width:34ch}
.stack-av{display:flex;align-items:center;gap:12px;margin-bottom:10px}
.avs{display:flex}
.avs span{width:34px;height:34px;border-radius:50%;border:2px solid rgba(255,255,255,.85);background:linear-gradient(140deg,#3A6A58,#0E2B24);margin-left:-11px}
.avs span:first-child{margin-left:0}
.hf-left h3{color:#fff;font-size:1.32rem}
.hf-left p{color:#C9DACE;font-family:var(--sans);font-size:.9rem;font-weight:500;margin:0 0 14px}
.hf-link{font-family:var(--sans);font-weight:700;font-size:.95rem;color:#fff;text-decoration:none;border-top:1px solid rgba(255,255,255,.3);padding-top:14px;display:inline-flex;gap:9px;align-items:center}
.hf-link:hover{color:var(--amber)}
.hf-right{text-align:right}
.hf-row{display:flex;align-items:baseline;justify-content:flex-end;gap:20px}
.hf-num{font-family:var(--sans);font-weight:800;font-size:clamp(2rem,4.6vw,3.1rem);letter-spacing:-.05em;color:#fff;line-height:1}
.hf-lab{font-family:var(--sans);font-size:.82rem;font-weight:600;color:#C9DACE;max-width:12ch;text-align:right}
.bar{position:relative;height:3px;background:rgba(255,255,255,.28);margin-top:18px;border-radius:2px}
.bar i{position:absolute;inset:0 auto 0 0;width:0;background:var(--amber);border-radius:2px;animation:grow 2.4s .5s cubic-bezier(.2,.8,.2,1) forwards}
@keyframes grow{to{width:64%}}
.bar em{position:absolute;top:-5px;width:1px;height:13px;background:rgba(255,255,255,.55)}
.scrolldot{position:absolute;left:50%;bottom:-27px;transform:translateX(-50%);width:62px;height:62px;border-radius:50%;background:var(--amber);border:8px solid var(--paper);display:flex;align-items:center;justify-content:center;z-index:5;box-shadow:0 0 34px rgba(245,166,35,.55);text-decoration:none;animation:bob 2.6s ease-in-out infinite}
@keyframes bob{0%,100%{transform:translate(-50%,0)}50%{transform:translate(-50%,5px)}}
@media(max-width:820px){.hero-foot{grid-template-columns:1fr}.hf-right{text-align:left}.hf-row{justify-content:flex-start}.hf-lab{text-align:left}}

/* ---- marquee ---- */
.marq-sec{padding-block:clamp(60px,7vw,90px) clamp(20px,3vw,34px)}
.marq-grid{display:grid;grid-template-columns:240px 1fr;gap:34px;align-items:center}
.marq-grid>p{font-family:var(--sans);font-weight:500;font-size:.98rem;color:#33463E;margin:0}
.marq{position:relative;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent);mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent)}
.marq-track{display:flex;gap:56px;width:max-content;animation:slide 26s linear infinite}
.marq:hover .marq-track{animation-play-state:paused}
@keyframes slide{to{transform:translateX(calc(-50% - 28px))}}
@keyframes slide2{to{transform:translateX(calc(-50% - 30px))}}
.mitem{display:flex;align-items:center;gap:11px;font-family:var(--sans);font-weight:700;font-size:1.05rem;color:#2C4A40;white-space:nowrap}
.mitem b{width:26px;height:26px;border-radius:7px;background:var(--ink);display:block;flex:none}
@media(max-width:800px){.marq-grid{grid-template-columns:1fr;gap:16px}}

/* ---- facts ---- */
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.fact{background:var(--white);border-radius:18px;padding:22px 24px}
.fact .k{font-family:var(--sans);font-size:.78rem;font-weight:600;color:var(--muted);margin-bottom:6px}
.fact .v{font-family:var(--sans);font-size:clamp(1.15rem,2.1vw,1.5rem);font-weight:800;letter-spacing:-.035em}
@media(max-width:780px){.facts{grid-template-columns:1fr 1fr}}

/* ---- giant-word service list ---- */
.srow{display:grid;grid-template-columns:1.15fr .85fr auto;gap:clamp(16px,3vw,44px);align-items:center;padding:clamp(10px,1.4vw,14px) clamp(16px,2.6vw,34px);border-bottom:1px solid var(--line);border-radius:18px;cursor:pointer;transition:background .35s ease,color .35s ease}
.sword{font-family:var(--sans);font-weight:800;font-size:clamp(2.1rem,6.4vw,5.2rem);letter-spacing:-.055em;line-height:1.08;white-space:nowrap;
  background:linear-gradient(180deg,rgba(14,43,36,.22),rgba(14,43,36,.06));-webkit-background-clip:text;background-clip:text;color:transparent;transition:background .35s}
.srow .sdesc{font-family:var(--sans);font-size:.98rem;font-weight:500;color:#41564C;max-width:36ch;opacity:.55;transition:opacity .3s}
.sicon{width:52px;height:52px;border-radius:50%;border:1px solid var(--line);display:flex;align-items:center;justify-content:center;flex:none;transition:.3s}
.srow.on{background:var(--amber);border-color:var(--amber)}
.srow.on .sword{background:none;color:#20160A;-webkit-text-fill-color:#20160A}
.srow.on .sdesc{opacity:1;color:#3A2A0C}
.srow.on .sicon{border-color:rgba(0,0,0,.35);background:rgba(255,255,255,.35)}
.srow .rangepill{font-family:var(--sans);font-weight:700;font-size:.88rem;background:var(--ink);color:#fff;border-radius:999px;padding:5px 14px;display:inline-block;margin-top:10px}
.srow.on .rangepill{background:#20160A}
@media(max-width:920px){.srow{grid-template-columns:1fr auto;padding:18px}.sword{white-space:normal;font-size:clamp(1.9rem,8vw,3rem)}.srow .sdesc{grid-column:1/-1;opacity:1}}

/* ---- bento ---- */
.bento{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(12px,1.6vw,20px)}
.cell{background:var(--white);border-radius:var(--r);padding:clamp(20px,2.4vw,30px);display:flex;flex-direction:column;min-height:270px;position:relative;transition:transform .3s cubic-bezier(.2,.7,.3,1),box-shadow .3s}
.cell:hover{transform:translateY(-6px);box-shadow:0 22px 40px -26px rgba(14,43,36,.5)}
.cell .dot{position:absolute;top:26px;right:26px;width:13px;height:13px;border-radius:50%;background:var(--amber)}
.cell h3{padding-right:34px;margin-bottom:12px}
.cell p{font-family:var(--sans);font-size:.96rem;font-weight:500;color:#44584E;margin:0}
.cell .more{margin-top:auto;padding-top:16px;font-family:var(--sans);font-weight:600;font-size:.93rem;text-decoration:underline;text-decoration-color:var(--amber);text-decoration-thickness:2px}
.cell.img{padding:0;min-height:270px}
.cell.img .ph{position:absolute;inset:0;border-radius:var(--r)}
.cell.tall{grid-row:span 1}
.cell.ink{background:var(--ink);color:#fff}
.cell.ink p{color:#C3D6CA}
.cell.ink .dot{background:#fff}
.cell.amberfill{background:var(--amber);color:#20160A}
.cell.amberfill p{color:#3A2A0C}
.cell.amberfill .dot{background:var(--ink)}
.spark{margin-top:16px;width:100%;height:78px}
@media(max-width:1000px){.bento{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.bento{grid-template-columns:1fr}}

/* ---- statement + stats ---- */
.statement{font-family:var(--sans);font-weight:700;font-size:clamp(1.9rem,5vw,3.9rem);letter-spacing:-.04em;line-height:1.08;max-width:22ch;
  background:linear-gradient(105deg,var(--ink) 34%,rgba(14,43,36,.28) 92%);-webkit-background-clip:text;background-clip:text;color:transparent;margin:0 0 clamp(32px,5vw,58px)}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(12px,1.6vw,20px)}
.stat{background:var(--white);border-radius:var(--r);padding:clamp(22px,2.6vw,32px);min-height:280px;display:flex;flex-direction:column;position:relative;overflow:hidden}
.stat h4{font-size:1.02rem;font-weight:700}
.stat .big{font-family:var(--sans);font-weight:800;font-size:clamp(2.6rem,6vw,4.2rem);letter-spacing:-.05em;line-height:1;margin-top:auto}
.stat p{font-family:var(--sans);font-size:.93rem;font-weight:500;color:#44584E;margin:10px 0 0}
.stat.fill{background:var(--amber);color:#20160A}
.stat.fill p{color:#3A2A0C}
.dots-bg{position:absolute;top:0;right:0;width:46%;height:46%;opacity:.28;
  background-image:radial-gradient(rgba(0,0,0,.45) 1.4px,transparent 1.4px);background-size:15px 15px}
@media(max-width:860px){.stats{grid-template-columns:1fr}}

/* ---- calculator ---- */
.calc{background:var(--ink);border-radius:34px;padding:clamp(24px,4vw,56px);display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,4vw,56px);align-items:center}
.calc h2{color:#fff}
.calc p{color:#C4D6CB}
.calcbox{background:var(--white);border-radius:24px;padding:clamp(20px,2.6vw,30px)}
.amount-line{display:flex;align-items:baseline;justify-content:space-between;gap:10px;margin-bottom:4px}
.amount-big{font-family:var(--sans);font-weight:800;font-size:clamp(2.2rem,5vw,2.9rem);letter-spacing:-.05em;line-height:1}
.range-cap{font-family:var(--sans);font-size:.8rem;color:var(--muted);font-weight:600}
input[type=range]{width:100%;accent-color:var(--ink-3);height:28px;cursor:pointer}
.terms{display:flex;gap:8px;flex-wrap:wrap;margin:14px 0 0}
.terms button{font-family:var(--sans);font-weight:600;font-size:.88rem;border:1.5px solid var(--line);background:#fff;color:#2E4C42;border-radius:999px;padding:8px 16px;cursor:pointer;transition:.18s}
.terms button[aria-pressed=true]{background:var(--ink);border-color:var(--ink);color:#fff}
.terms button:hover{border-color:var(--ink)}
.readout{display:grid;grid-template-columns:1fr 1fr;gap:2px;margin-top:20px;background:var(--line);border-radius:16px;overflow:hidden}
.readout div{background:var(--sage-2);padding:16px 18px}
.readout .k{font-family:var(--sans);font-size:.78rem;color:var(--muted);font-weight:600;margin-bottom:3px}
.readout .v{font-family:var(--sans);font-size:1.4rem;font-weight:800;letter-spacing:-.04em}
.fineprint{font-family:var(--sans);font-size:.76rem;line-height:1.55;color:var(--muted);margin:14px 0 0;max-width:none}
.calcbox .btn{width:100%;justify-content:center;margin-top:16px}
@media(max-width:900px){.calc{grid-template-columns:1fr}}

/* ---- steps ---- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(12px,1.6vw,20px)}
.stepc{background:var(--white);border-radius:var(--r);padding:clamp(20px,2.4vw,28px);transition:transform .3s,background .3s}
.stepc:hover{transform:translateY(-6px)}
.stepc .n{font-family:var(--sans);font-weight:800;font-size:2.4rem;letter-spacing:-.06em;color:var(--amber);line-height:1;margin-bottom:14px}
.stepc p{font-family:var(--sans);font-size:.95rem;font-weight:500;color:#44584E;margin:10px 0 0}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:540px){.steps{grid-template-columns:1fr}}

/* ---- tables ---- */
.tablewrap{overflow-x:auto;border-radius:24px;background:var(--white)}
table{border-collapse:collapse;width:100%;min-width:680px;font-family:var(--sans);font-size:.95rem}
caption{text-align:left;font-family:var(--sans);font-size:.84rem;color:var(--muted);padding:18px 22px 0}
th,td{padding:15px 22px;text-align:left;border-bottom:1px solid var(--line)}
thead th{font-weight:700;font-size:.8rem;color:#33574A;background:var(--sage)}
tbody tr:last-child td{border-bottom:none}
tbody tr:hover{background:var(--sage-2)}

/* ---- price-style panels ---- */
.pricegrid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(14px,2vw,24px)}
.pcard{border-radius:28px;overflow:hidden;background:var(--white)}
.pcard .head{background:var(--sage);padding:clamp(22px,3vw,32px);position:relative;overflow:hidden}
.pcard.hot .head{background:var(--amber)}
.pcard .head span{font-family:var(--sans);font-weight:700;font-size:1rem;display:block;margin-bottom:10px}
.pcard .head strong{font-family:var(--sans);font-weight:800;font-size:clamp(1.8rem,3.6vw,2.6rem);letter-spacing:-.045em}
.pcard .body{padding:clamp(22px,3vw,32px)}
@media(max-width:820px){.pricegrid{grid-template-columns:1fr}}

/* ---- lists ---- */
ul.check,ul.mind{list-style:none;padding:0;margin:0}
ul.check li{position:relative;padding-left:32px;margin-bottom:13px;font-size:1rem}
ul.check li::before{content:"";position:absolute;left:0;top:.38em;width:18px;height:18px;border-radius:50%;background:var(--ink)}
ul.check li::after{content:"";position:absolute;left:5px;top:.68em;width:8px;height:4px;border-left:2px solid var(--amber);border-bottom:2px solid var(--amber);transform:rotate(-45deg)}
.dark ul.check li::before{background:var(--amber)}
.dark ul.check li::after{border-color:var(--ink)}
ul.mind li{position:relative;padding-left:32px;margin-bottom:13px;font-size:1rem}
ul.mind li::before{content:"";position:absolute;left:2px;top:.6em;width:15px;height:2px;background:var(--flag)}
.panel{background:var(--white);border-radius:var(--r);padding:clamp(22px,3vw,32px)}
.panel.sagey{background:var(--sage-2)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(18px,3vw,34px);align-items:start}
@media(max-width:880px){.split{grid-template-columns:1fr}}

/* ---- testimonial ---- */
.tsec{position:relative;overflow:hidden}
.bgword{position:absolute;top:clamp(10px,4vw,48px);left:0;width:100%;overflow:hidden;pointer-events:none;-webkit-mask-image:linear-gradient(90deg,transparent,#000 18%,#000 82%,transparent);mask-image:linear-gradient(90deg,transparent,#000 18%,#000 82%,transparent)}
.bgword-track{display:flex;gap:60px;width:max-content;animation:slide2 34s linear infinite;font-family:var(--sans);font-weight:800;font-size:clamp(5rem,17vw,15rem);letter-spacing:-.06em;line-height:.9;color:rgba(14,43,36,.07);white-space:nowrap}
.tgrid{position:relative;display:grid;grid-template-columns:.86fr 1.14fr;gap:clamp(22px,4vw,60px);align-items:center;margin-top:clamp(40px,9vw,120px)}
.tcard{background:var(--white);border-radius:var(--r);padding:14px 14px 22px;text-align:center}
.tcard .ph{aspect-ratio:1/1.08;border-radius:18px}
.tcard h4{font-size:1.25rem;margin-top:18px}
.tcard .role{font-family:var(--sans);font-size:.8rem;color:var(--muted);font-weight:600;margin-top:4px}
.quote-txt{font-family:var(--sans);font-weight:700;font-size:clamp(1.3rem,2.9vw,2.15rem);letter-spacing:-.03em;line-height:1.25;max-width:20ch;min-height:5.2em}
.quotemark{font-family:var(--sans);font-size:5rem;font-weight:800;color:var(--amber);line-height:.6;margin-top:26px;border-top:1px solid var(--line);padding-top:36px;display:block}
.tnav{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-top:26px;flex-wrap:wrap}
.thumbs{display:flex;gap:10px}
.thumbs button{width:52px;height:52px;border-radius:50%;border:2px solid transparent;background:linear-gradient(140deg,#C7D6CB,#8AA396);cursor:pointer;padding:0;transition:.22s;opacity:.55}
.thumbs button[aria-pressed=true]{opacity:1;border-color:var(--amber);transform:scale(1.08)}
.tarrows{display:flex;gap:10px}
.tarrows button{width:46px;height:46px;border-radius:50%;border:1px solid var(--line);background:var(--white);cursor:pointer;display:flex;align-items:center;justify-content:center;transition:.2s}
.tarrows button:hover{background:var(--ink);border-color:var(--ink);color:#fff}
.tarrows svg{width:15px;height:15px}
@media(max-width:860px){.tgrid{grid-template-columns:1fr}}

/* ---- guides cards ---- */
.guides{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(14px,2vw,22px)}
.gcard{background:var(--white);border-radius:var(--r);overflow:hidden;text-decoration:none;display:block;transition:transform .3s}
.gcard:hover{transform:translateY(-6px)}
.gcard .top{padding:26px 26px 20px;display:flex;flex-direction:column;gap:14px}
.gcard h3{transition:color .25s}
.gcard:hover h3{color:var(--amber-deep)}
.gmeta{font-family:var(--sans);font-size:.82rem;color:var(--muted);font-weight:600;display:flex;gap:16px}
.gcard .ph{border-radius:0;aspect-ratio:16/11}
.gimg{position:relative}
.gbtn{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%) scale(.6);width:56px;height:56px;border-radius:50%;background:var(--amber);display:flex;align-items:center;justify-content:center;opacity:0;transition:.3s cubic-bezier(.2,.8,.3,1)}
.gcard:hover .gbtn{opacity:1;transform:translate(-50%,-50%) scale(1)}
@media(max-width:900px){.guides{grid-template-columns:1fr}}

/* ---- faq ---- */
.faqwrap{max-width:880px;margin-inline:auto}
details{background:var(--white);border-radius:18px;margin-bottom:10px;overflow:hidden}
details summary{cursor:pointer;list-style:none;font-family:var(--sans);font-weight:700;font-size:1.05rem;padding:20px 58px 20px 24px;position:relative;letter-spacing:-.02em}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"";position:absolute;right:24px;top:50%;width:11px;height:11px;margin-top:-8px;border-right:2.5px solid var(--ink);border-bottom:2.5px solid var(--ink);transform:rotate(45deg);transition:transform .25s}
details[open] summary::after{transform:rotate(-135deg);margin-top:-2px}
details[open]{background:var(--sage-2)}
details .a{padding:0 24px 22px}
details .a p{font-size:1rem;color:#35483F;margin:0}

/* ---- cta band ---- */
.band{background:var(--ink);border-radius:34px;padding:clamp(30px,5vw,64px);display:grid;grid-template-columns:1.25fr auto;gap:30px;align-items:center;position:relative;overflow:hidden}
.band .dots-bg{width:30%;height:100%;opacity:.14;background-image:radial-gradient(rgba(255,255,255,.7) 1.4px,transparent 1.4px)}
@media(max-width:860px){.band{grid-template-columns:1fr}}

/* ---- byline + footer ---- */
.byline{display:flex;flex-wrap:wrap;gap:12px 28px;align-items:center;background:var(--white);border-radius:20px;padding:20px 26px;font-family:var(--sans);font-size:.88rem;color:#33463E;font-weight:500}
footer{background:var(--ink-deep);color:#9FBAA8;font-size:.92rem;padding-block:60px 36px;margin-top:clamp(40px,6vw,80px)}
footer h4{color:#fff;font-size:.95rem;margin-bottom:14px}
footer a{color:#CFE2D4;text-decoration:none}
footer a:hover{color:var(--amber)}
.fgrid{display:grid;grid-template-columns:1.7fr 1fr 1fr 1fr;gap:34px;padding-bottom:32px;border-bottom:1px solid #1D453A}
@media(max-width:880px){.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.fgrid{grid-template-columns:1fr}}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:9px}
.disc{font-family:var(--sans);font-size:.79rem;line-height:1.75;color:#7FA08D;margin-top:28px}
.disc p{max-width:none}
.disc strong{color:#C6DACD}

/* ---- use cases ---- */
.uses{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(12px,1.6vw,18px)}
.use{background:var(--white);border-radius:22px;padding:clamp(18px,2.2vw,26px);display:flex;gap:16px;align-items:flex-start;transition:transform .3s cubic-bezier(.2,.7,.3,1),background .3s}
.use:hover{transform:translateY(-5px)}
.use .ic{width:46px;height:46px;border-radius:14px;background:var(--sage);display:flex;align-items:center;justify-content:center;flex:none;transition:background .3s}
.use:hover .ic{background:var(--amber)}
.use h3{font-size:1.05rem;margin-bottom:6px}
.use p{font-family:var(--sans);font-size:.92rem;font-weight:500;color:#44584E;margin:0}
.use .amt-tag{font-family:var(--sans);font-size:.82rem;font-weight:700;color:var(--amber-deep);display:block;margin-top:9px}
@media(max-width:940px){.uses{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.uses{grid-template-columns:1fr}}

/* ---- amortization ---- */
.amort{background:var(--white);border-radius:24px;margin-top:clamp(14px,2vw,20px);overflow:hidden}
.amort>summary{cursor:pointer;list-style:none;font-family:var(--sans);font-weight:700;font-size:1.02rem;padding:22px 58px 22px 26px;position:relative}
.amort>summary::-webkit-details-marker{display:none}
.amort>summary::after{content:"";position:absolute;right:26px;top:50%;width:11px;height:11px;margin-top:-8px;border-right:2.5px solid var(--ink);border-bottom:2.5px solid var(--ink);transform:rotate(45deg);transition:transform .25s}
.amort[open]>summary::after{transform:rotate(-135deg);margin-top:-2px}
.amort .abody{padding:0 26px 26px}
.amort table{min-width:520px;font-size:.9rem}
.amort th,.amort td{padding:11px 14px}
.amort tbody tr:nth-child(even){background:var(--sage-2)}
.amort tfoot td{font-weight:700;background:var(--sage);border-top:2px solid var(--ink)}

/* ---- glossary ---- */
.gloss{display:grid;grid-template-columns:1fr 1fr;gap:0 clamp(24px,4vw,56px)}
.gterm{border-top:1px solid var(--line);padding:22px 0}
.gterm dt{font-family:var(--sans);font-weight:700;font-size:1.06rem;letter-spacing:-.02em;margin-bottom:7px}
.gterm dd{margin:0;font-size:.99rem;color:#35483F}
@media(max-width:820px){.gloss{grid-template-columns:1fr}}

/* ---- vs competitor cards ---- */
.vsgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(12px,1.6vw,18px)}
.vscard{background:var(--white);border-radius:22px;padding:clamp(20px,2.3vw,26px);display:flex;flex-direction:column;text-decoration:none;transition:transform .3s,background .3s}
.vscard:hover{transform:translateY(-6px);background:var(--ink);color:#fff}
.vscard:hover .vsrow span:last-child,.vscard:hover p{color:#C3D6CA}
.vscard:hover .vsrow{border-color:#2C574A}
.vscard:hover .vslink{color:var(--amber)}
.vscard h3{font-size:1.1rem;margin-bottom:6px}
.vscard>p{font-family:var(--sans);font-size:.9rem;font-weight:500;color:#44584E;margin:0 0 16px}
.vsrow{display:flex;justify-content:space-between;gap:12px;border-top:1px solid var(--line);padding:9px 0;font-family:var(--sans);font-size:.85rem}
.vsrow span:first-child{font-weight:700}
.vsrow span:last-child{color:#44584E;text-align:right}
.vslink{margin-top:auto;padding-top:16px;font-family:var(--sans);font-weight:700;font-size:.9rem}
@media(max-width:1000px){.vsgrid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.vsgrid{grid-template-columns:1fr}}

.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:16px;z-index:99;background:#fff;padding:10px 16px;border-radius:8px}
.reveal{opacity:0;transform:translateY(22px)}
.reveal.in{opacity:1;transform:none;transition:opacity .7s cubic-bezier(.2,.7,.3,1),transform .7s cubic-bezier(.2,.7,.3,1)}
@media (prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
  .bar i{width:64%}
}

/* ================= application page ================= */
.apply-page .topnav{z-index:1000}
.apply-page .page-hero{min-height:clamp(420px,36vw,520px)}
.apply-section{position:relative;padding-block:clamp(48px,6vw,86px)}
.apply-layout{display:grid;grid-template-columns:minmax(260px,.72fr) minmax(0,1.28fr);gap:clamp(24px,4vw,58px);align-items:start}
.apply-aside{position:sticky;top:102px}
.application-kicker{display:inline-flex;align-items:center;gap:9px;font-family:var(--sans);font-size:.78rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--amber-deep);margin-bottom:10px}
.application-kicker::before{content:"";width:9px;height:9px;border-radius:50%;background:var(--amber);flex:none}
.apply-aside h2,.apply-card-head h2{font-size:clamp(1.8rem,3.4vw,2.8rem)}
.apply-aside .check{margin-top:24px}
.apply-aside .callout a{font-weight:700}
.apply-card{position:relative;z-index:1;isolation:isolate;background:var(--white);border:1px solid rgba(213,221,212,.88);border-radius:28px;padding:clamp(18px,3vw,34px);box-shadow:0 28px 58px -42px rgba(14,43,36,.72)}
.apply-card::before{content:"";position:absolute;left:0;top:0;width:100%;height:5px;border-radius:28px 28px 0 0;background:linear-gradient(90deg,var(--amber),var(--amber-lt) 46%,var(--ink) 46%,var(--ink))}
.apply-card-head{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(16px,3vw,38px);align-items:end;margin-bottom:24px}
.apply-card-head p{font-family:var(--sans);font-size:.94rem;font-weight:500;color:#44584E;margin:0}
.application-form{position:relative;z-index:1;isolation:isolate;min-height:680px;border-radius:20px;background:var(--sage-2);padding:clamp(10px,2vw,20px);overflow:visible}
#_lg_form_{position:relative!important;z-index:1!important;width:100%;min-height:640px}
#_lg_form_ iframe{position:relative!important;z-index:1!important;display:block;width:100%!important;max-width:100%;border:0}
.apply-note{font-family:var(--sans);font-size:.82rem;font-weight:500;color:var(--muted);margin:18px 4px 0;max-width:none}
.apply-next{padding-top:clamp(56px,7vw,92px)}
@media(max-width:900px){
  .apply-layout{grid-template-columns:1fr}
  .apply-aside{position:static}
  .apply-card-head{grid-template-columns:1fr;align-items:start}
  .application-form{min-height:720px}
  #_lg_form_{min-height:680px}
}
@media(max-width:560px){
  .apply-card{border-radius:22px;padding:18px 10px}
  .apply-card::before{border-radius:22px 22px 0 0}
  .application-form{padding:6px;min-height:760px}
  #_lg_form_{min-height:720px}
}

/* ================= sub-page / legal document layout ================= */
.page-hero{background:var(--ink);border-radius:34px;margin:0 var(--gut);padding:clamp(42px,5vw,68px) 46% clamp(42px,5vw,68px) clamp(22px,4vw,56px);min-height:clamp(430px,42vw,590px);color:#fff;position:relative;overflow:hidden;display:flex;flex-direction:column;justify-content:center}
.page-hero::after{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,var(--ink) 0%,rgba(13,48,39,.98) 43%,rgba(13,48,39,.74) 62%,rgba(13,48,39,.12) 100%);pointer-events:none}
.page-hero-media{position:absolute;inset:0 0 0 auto;width:48%;height:100%;margin:0;z-index:0;overflow:hidden}
.page-hero-media img{display:block;width:100%;height:100%;object-fit:cover;object-position:center}
.page-hero>:not(.page-hero-media){position:relative;z-index:2}
.crumb{font-family:var(--sans);font-size:.85rem;font-weight:600;color:#9DBBA9;margin-bottom:18px;position:relative;z-index:2}
.crumb a{color:#9DBBA9;text-decoration:none}
.crumb a:hover{color:var(--amber)}
.crumb span{margin:0 8px;opacity:.5}
.page-hero h1{position:relative;z-index:2;font-size:clamp(2rem,5vw,3.4rem);font-weight:800;letter-spacing:-.04em;line-height:1.04;max-width:20ch;color:#fff}
.page-hero .intro{position:relative;z-index:2;color:#C4D6CB;max-width:62ch;margin-top:20px;font-size:1.05rem}
.updated{position:relative;z-index:2;display:inline-flex;flex-wrap:wrap;gap:8px 22px;margin-top:26px;font-family:var(--sans);font-size:.85rem;font-weight:600;color:#9DBBA9}
.updated b{color:#fff;font-weight:700}
@media(max-width:900px){
  .page-hero{padding:clamp(38px,8vw,58px) clamp(22px,6vw,46px);min-height:500px}
  .page-hero::after{background:linear-gradient(90deg,rgba(13,48,39,.94) 0%,rgba(13,48,39,.82) 62%,rgba(13,48,39,.55) 100%)}
  .page-hero-media{width:100%}
  .page-hero h1{max-width:18ch}
  .page-hero .intro{max-width:52ch;color:#E2ECE6}
}
@media(max-width:560px){
  .page-hero{border-radius:24px;min-height:520px}
  .page-hero::after{background:linear-gradient(180deg,rgba(13,48,39,.9) 0%,rgba(13,48,39,.8) 55%,rgba(13,48,39,.94) 100%)}
  .page-hero-media img{object-position:62% center}
}

.legal-grid{display:grid;grid-template-columns:260px 1fr;gap:clamp(24px,4vw,64px);align-items:start}
.toc{position:sticky;top:96px;background:var(--white);border-radius:22px;padding:22px}
.toc h2{font-size:.8rem;color:var(--muted);font-weight:700;letter-spacing:0;margin-bottom:12px}
.toc ol{list-style:none;counter-reset:t;margin:0;padding:0}
.toc li{counter-increment:t}
.toc a{display:flex;gap:10px;text-decoration:none;font-family:var(--sans);font-size:.9rem;font-weight:500;color:#35483F;padding:8px 10px;border-radius:10px;line-height:1.35}
.toc a::before{content:counter(t);font-weight:700;color:var(--amber-deep);flex:none;min-width:14px}
.toc a:hover,.toc a.active{background:var(--sage-2);color:var(--ink)}
@media(max-width:940px){.legal-grid{grid-template-columns:1fr}.toc{position:static}}

.doc{counter-reset:s;max-width:74ch}
.doc>section{padding-bottom:clamp(26px,3.4vw,40px);margin-bottom:clamp(26px,3.4vw,40px);border-bottom:1px solid var(--line)}
.doc>section:last-child{border-bottom:none;margin-bottom:0}
.doc>section>h2{counter-increment:s;font-size:clamp(1.35rem,2.6vw,1.95rem);margin-bottom:16px;scroll-margin-top:100px;display:flex;gap:14px;align-items:baseline}
.doc>section>h2::before{content:counter(s);font-size:.78em;color:var(--amber-deep);font-weight:800;flex:none}
.doc h3{font-size:1.08rem;margin:26px 0 10px}
.doc p{font-size:1.02rem}
.doc ul,.doc ol{padding-left:22px;margin:0 0 1em}
.doc li{margin-bottom:9px;font-size:1.01rem}
.doc a{color:var(--ink);text-decoration:underline;text-decoration-color:var(--amber);text-decoration-thickness:2px}
.doc a:hover{color:var(--amber-deep)}
.doc .tablewrap{margin:20px 0}
.doc table{min-width:560px}
.doc dfn{font-style:normal;font-weight:700;font-family:var(--sans)}

.callout{background:var(--sage-2);border-radius:18px;padding:22px 24px;margin:24px 0}
.callout h3{margin-top:0;margin-bottom:8px}
.callout p:last-child{margin-bottom:0}
.callout.warn{background:#FBEDE7;border-left:4px solid var(--flag)}
.callout.amber{background:#FDF0DB;border-left:4px solid var(--amber)}
.callout.inkc{background:var(--ink);color:#DCE9DF}
.callout.inkc h3{color:#fff}
.callout.inkc p{color:#C3D6CA}
.callout.inkc a{color:#fff}

.placeholder{background:#FFF6E2;border:1px dashed #D9A94A;border-radius:8px;padding:1px 8px;font-family:var(--sans);font-size:.88em;font-weight:700;color:#8A5406;white-space:nowrap}
.contactgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:22px 0}
.contactgrid .panel{padding:22px}
.contactgrid h3{margin:0 0 6px;font-size:1rem}
.contactgrid p{font-family:var(--sans);font-size:.94rem;font-weight:500;color:#44584E;margin:0}
@media(max-width:820px){.contactgrid{grid-template-columns:1fr}}