/* creditlab.io v2 stylesheet. Brand tokens per brand/DESIGN.md. Base font 18px, WCAG AA contrast. */
/* Self-hosted Google Fonts (OFL): latin subsets, swap. */
@font-face{font-family:'DM Sans';font-style:italic;font-weight:300 700;font-display:swap;src:url(/assets/fonts/dm-sans-italic.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:'DM Sans';font-style:normal;font-weight:300 700;font-display:swap;src:url(/assets/fonts/dm-sans.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:'DM Serif Display';font-style:normal;font-weight:400;font-display:swap;src:url(/assets/fonts/dm-serif-display.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
@font-face{font-family:'JetBrains Mono';font-style:normal;font-weight:400 500;font-display:swap;src:url(/assets/fonts/jetbrains-mono.woff2) format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD}
:root{
  --navy-950:#0a1524;--navy-900:#0f1a2e;--navy-800:#122840;--navy-700:#1a3a5c;--navy-500:#2a5a8c;--navy-300:#7fa3c9;--navy-100:#dbe6f1;--navy-50:#eff4f9;
  --gold-700:#8a6f10;--gold-800:#6f5a0c;--gold-500:#c9a227;--gold-300:#e6cf7a;--gold-50:#faf5e4;
  --ink:#0f1a2e;--slate:#3f4a5a;--mist:#5b6878;--cloud:#f8f9fc;--card:#ffffff;--input:#f4f6fa;--paper:#faf9f5;
  --success:#0d8a4a;--success-dim:rgba(13,138,74,.08);--warn:#b4690e;--flag:#b42318;--flag-dim:rgba(180,35,24,.07);
  --accent:var(--navy-700);--accent-light:var(--navy-500);--accent-dim:rgba(26,58,92,.06);
  --border:rgba(26,58,92,.14);--border-strong:rgba(26,58,92,.26);
  --serif:'DM Serif Display',Georgia,serif;--sans:'DM Sans',system-ui,-apple-system,Segoe UI,sans-serif;--mono:'JetBrains Mono',ui-monospace,Menlo,monospace;
  --radius-card:14px;--radius-btn:9px;--shadow:0 1px 3px rgba(15,26,46,.06),0 8px 24px rgba(15,26,46,.05);
  --nav-h:72px;--max:1100px;--max-narrow:760px;
}
*,*::before,*::after{box-sizing:border-box}
html{font-size:18px;scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--sans);font-size:1rem;line-height:1.6;color:var(--ink);background:var(--cloud);overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:var(--navy-500)}
a:hover{color:var(--navy-700)}
:focus-visible{outline:3px solid var(--gold-500);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{margin:0 0 .6em;line-height:1.15;letter-spacing:-.015em;font-weight:400}
h1{font-family:var(--serif);font-size:clamp(2.2rem,5vw,3.3rem);letter-spacing:-.025em}
h2,.h2{font-family:var(--serif);font-size:clamp(1.75rem,3.4vw,2.35rem)}
h3,.h3{font-family:var(--serif);font-size:1.3rem}
h4{font-family:var(--sans);font-weight:600;font-size:1.05rem}
p,li{max-width:68ch}
p{margin:0 0 1em}
ul,ol{margin:0 0 1em;padding-left:1.3em}
li{margin-bottom:.4em}
strong{font-weight:600}
small,.small{font-size:.88rem}
.mono{font-family:var(--mono)}
.muted{color:var(--mist)}
.center{text-align:center}
.center p,.center li{margin-left:auto;margin-right:auto}
.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip-link{position:absolute;left:1rem;top:-4rem;background:var(--navy-700);color:#fff;padding:.6rem 1rem;border-radius:var(--radius-btn);z-index:1000;text-decoration:none}
.skip-link:focus{top:1rem}
mark.ph{background:#fff176;color:#3a3000;padding:0 .2em;border-radius:3px;font-weight:600;box-shadow:0 0 0 2px #ffd600}

/* layout */
.container{max-width:var(--max);margin:0 auto;padding:0 1.25rem}
.container--narrow{max-width:var(--max-narrow)}
section,.section{padding:4.5rem 0}
/* Skip layout and paint for sections until they come near the viewport (anchors and scrollIntoView still work). */
main>section:not(.hero):not(.b-hero):not(.b-ctasec),main>.cta-final,.footer{content-visibility:auto;contain-intrinsic-size:auto 700px}
main>section.cv-visible,main>.cta-final.cv-visible,.footer.cv-visible{content-visibility:visible}
.section--tight{padding:3rem 0}
.section--tint{background:var(--navy-50)}
.section--white{background:var(--card)}
.section--dark{background:var(--navy-950);color:#fff}
.section--dark h2,.section--dark h3{color:#fff}
.section--dark p{color:rgba(255,255,255,.85)}
.section--dark a{color:var(--gold-300)}
.section-head{max-width:720px;margin-bottom:2.5rem}
.section-head.center{margin-left:auto;margin-right:auto}
.eyebrow{font-family:var(--mono);font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-800);margin:0 0 .9rem}
.eyebrow::after{content:"";display:block;width:32px;height:2px;background:var(--gold-500);margin-top:8px}
.center .eyebrow::after{margin-left:auto;margin-right:auto}
.section--dark .eyebrow{color:var(--gold-300)}
.lead{font-size:1.15rem;color:var(--slate)}
.grid{display:grid;gap:1.5rem}
.grid--2{grid-template-columns:repeat(2,1fr)}
.grid--3{grid-template-columns:repeat(3,1fr)}
.grid--4{grid-template-columns:repeat(4,1fr)}
.grid--sidebar{grid-template-columns:minmax(0,1fr) 340px;align-items:start}
@media (max-width:900px){.grid--3,.grid--4{grid-template-columns:repeat(2,1fr)}.grid--sidebar{grid-template-columns:1fr}}
@media (max-width:640px){.grid--2,.grid--3,.grid--4{grid-template-columns:1fr}}
.stack>*+*{margin-top:1rem}
.divider{border:0;border-top:1px solid var(--border);margin:2.5rem 0}

/* cards */
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius-card);padding:1.5rem;box-shadow:var(--shadow)}
.card h3{margin-bottom:.5rem}
.card p:last-child,.card ul:last-child{margin-bottom:0}
.card--link{display:block;color:inherit;text-decoration:none;transition:transform .2s,border-color .2s}
.card--link:hover{border-color:var(--border-strong);transform:translateY(-3px);color:inherit}
.card--link .card__more{color:var(--navy-500);font-weight:600;margin-top:1rem;display:inline-flex;align-items:center;gap:.35rem}
.card--tint{background:var(--navy-50);box-shadow:none}
.card__icon{width:44px;height:44px;border-radius:10px;background:var(--accent-dim);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;color:var(--navy-700);margin-bottom:1rem}
.card__icon svg{width:24px;height:24px}
.card--law{border-left:3px solid var(--gold-500)}
.card--law .card__cite{font-family:var(--mono);font-size:.78rem;color:var(--gold-800);margin-bottom:.5rem}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;min-height:48px;padding:.75rem 1.5rem;border-radius:var(--radius-btn);font-family:var(--sans);font-size:1rem;font-weight:600;line-height:1.2;text-decoration:none;cursor:pointer;border:1px solid transparent;transition:background .2s,transform .2s,box-shadow .2s;text-align:center}
.btn svg{width:20px;height:20px;flex-shrink:0}
.btn--primary{background:var(--navy-700);color:#fff}
.btn--primary:hover{background:var(--navy-500);color:#fff;transform:translateY(-1px);box-shadow:0 8px 24px rgba(15,26,46,.18)}
.btn--secondary{background:#fff;color:var(--navy-700);border-color:var(--border-strong)}
.btn--secondary:hover{background:var(--navy-50);color:var(--navy-700)}
.btn--gold{background:var(--gold-500);color:var(--navy-950)}
.btn--gold:hover{background:var(--gold-300);color:var(--navy-950);transform:translateY(-1px)}
.btn--ghost{background:var(--input);color:var(--slate)}
.btn--ghost:hover{background:var(--navy-100);color:var(--ink)}
.btn--lg{min-height:56px;padding:.95rem 2rem;font-size:1.05rem}
.btn--block{width:100%}
.btn[disabled],.btn[aria-disabled="true"]{opacity:.6;cursor:not-allowed;transform:none}
.section--dark .btn--secondary{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.section--dark .btn--secondary:hover{background:rgba(255,255,255,.1);color:#fff}
.link-tertiary{display:inline-block;color:var(--navy-500);font-weight:600;text-decoration:underline;text-underline-offset:3px;min-height:44px;line-height:44px}
.actions{display:flex;flex-wrap:wrap;gap:.9rem;align-items:center}
.actions--center{justify-content:center}
.note{font-size:.9rem;color:var(--mist);margin-top:.9rem}

/* nav */
.nav{position:sticky;top:0;z-index:100;background:rgba(248,249,252,.96);backdrop-filter:blur(14px);border-bottom:1px solid var(--border)}
.nav__inner{max-width:var(--max);margin:0 auto;padding:0 1.25rem;min-height:var(--nav-h);display:flex;align-items:center;justify-content:space-between;gap:1rem}
.wordmark{font-family:var(--serif);font-size:1.5rem;color:var(--navy-700);text-decoration:none;letter-spacing:-.01em;white-space:nowrap}
.wordmark span{color:var(--gold-500)}
.nav__links{display:flex;align-items:center;gap:.25rem;list-style:none;margin:0;padding:0}
.nav__links>li{position:relative}
.nav__links a,.nav__links button{display:inline-flex;align-items:center;gap:.3rem;min-height:44px;padding:.4rem .75rem;color:var(--slate);font:inherit;font-size:.92rem;font-weight:500;text-decoration:none;background:none;border:0;border-radius:8px;cursor:pointer}
.nav__links a:hover,.nav__links button:hover{color:var(--navy-700);background:var(--accent-dim)}
.nav__links .btn{background:var(--navy-700);color:#fff;font-weight:600;min-height:44px;padding:.5rem 1.1rem;margin-left:.4rem}
.nav__links .btn:hover{color:#fff;background:var(--navy-500)}
.nav__dd{display:none;position:absolute;top:100%;left:0;min-width:260px;background:#fff;border:1px solid var(--border);border-radius:12px;box-shadow:var(--shadow);padding:.5rem;margin:0;list-style:none;z-index:50}
.nav__dd a{display:block;width:100%;padding:.6rem .8rem;border-radius:8px}
.nav__links>li.open>.nav__dd{display:block}
.nav__links button svg{width:16px;height:16px;transition:transform .2s}
.nav__links>li.open>button svg{transform:rotate(180deg)}
.nav__toggle{display:none;min-width:44px;min-height:44px;align-items:center;justify-content:center;background:none;border:1px solid var(--border);border-radius:8px;cursor:pointer;color:var(--navy-700)}
.nav__toggle svg{width:24px;height:24px}
@media (max-width:1000px){
  .nav__toggle{display:inline-flex}
  .nav__links{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;background:#fff;border-bottom:1px solid var(--border);padding:.75rem 1.25rem 1.25rem;box-shadow:var(--shadow)}
  .nav__links.open{display:flex}
  .nav__links a,.nav__links button{width:100%;justify-content:space-between;font-size:1rem}
  .nav__dd{position:static;display:block;box-shadow:none;border:0;padding:0 0 0 1rem;min-width:0}
  .nav__dd a{font-size:.95rem}
  .nav__links .btn{margin:.5rem 0 0;justify-content:center}
}

/* sender bar + banners */
.sender-bar{background:var(--navy-700);color:#fff;font-size:.92rem}
.sender-bar__inner{max-width:var(--max);margin:0 auto;padding:.55rem 1.25rem;display:flex;align-items:center;justify-content:center;gap:.75rem;flex-wrap:wrap;position:relative}
.sender-bar a{color:var(--gold-300);font-weight:600;min-height:44px;display:inline-flex;align-items:center}
.sender-bar__close{position:absolute;right:.5rem;top:50%;transform:translateY(-50%);min-width:44px;min-height:44px;background:none;border:0;color:#fff;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;border-radius:8px}
.sender-bar__close:hover{background:rgba(255,255,255,.12)}
.sender-bar__close svg{width:20px;height:20px}
.sender-bar[hidden],html.sender-dismissed .sender-bar{display:none}
.banner{background:var(--gold-50);border-bottom:1px solid var(--gold-300);color:var(--ink);text-align:center;padding:.6rem 1.25rem;font-size:.95rem}
.banner a{color:var(--navy-700);font-weight:600;min-height:44px;display:inline-flex;align-items:center}
.banner[hidden]{display:none}

/* hero */
.hero{padding:4rem 0 3rem;background:linear-gradient(180deg,#fff 0%,var(--cloud) 100%)}
.hero__inner{max-width:860px;margin:0 auto;text-align:center}
.hero h1{margin-bottom:1rem}
.hero__sub{font-size:1.2rem;color:var(--slate);max-width:720px;margin:0 auto 1.75rem}
.hero__actions{justify-content:center;margin-bottom:1rem}
.hero__note{font-size:.95rem;color:var(--mist);margin:0 0 .4rem}
.hero--page{padding:3.5rem 0 2.5rem;text-align:left}
.hero--page .hero__inner{text-align:left;margin:0;max-width:820px}
.hero--page .hero__sub{margin-left:0}
.hero--page .hero__actions{justify-content:flex-start}
.second-opinion-line{display:none;margin:1rem auto 0;padding:.8rem 1rem;background:var(--gold-50);border:1px solid var(--gold-300);border-radius:10px;font-size:.95rem;max-width:720px}
.second-opinion-line.show{display:block}

/* proof strip */
.proof-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--border);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.proof-strip__item{background:#fff;padding:1.1rem .9rem;display:flex;flex-direction:column;align-items:center;gap:.5rem;text-align:center;font-size:.9rem;font-weight:500;color:var(--slate)}
.proof-strip__item svg{width:26px;height:26px;color:var(--navy-700)}
@media (max-width:900px){.proof-strip{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.proof-strip{grid-template-columns:repeat(2,1fr)}}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem;counter-reset:step}
.step{background:#fff;border:1px solid var(--border);border-radius:var(--radius-card);padding:1.4rem;position:relative}
.step__num{font-family:var(--mono);font-size:.75rem;color:var(--gold-800);letter-spacing:.12em;margin-bottom:.75rem}
.step h3{font-size:1.15rem}
.step p{font-size:.95rem;color:var(--slate);margin:0}
@media (max-width:900px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

/* timeline (how we work) */
.timeline{list-style:none;margin:0;padding:0;position:relative}
.timeline::before{content:"";position:absolute;left:19px;top:8px;bottom:8px;width:2px;background:var(--navy-100)}
.timeline li{position:relative;padding:0 0 2rem 3.6rem}
.timeline li:last-child{padding-bottom:0}
.timeline__dot{position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--navy-700);color:#fff;font-family:var(--mono);font-size:.85rem;display:flex;align-items:center;justify-content:center;border:3px solid #fff;box-shadow:0 0 0 2px var(--navy-100)}
.timeline h3{font-size:1.2rem;margin-bottom:.35rem;padding-top:.35rem}
.timeline p{margin:0;color:var(--slate)}

/* evidence table (table on desktop, stacked on mobile) */
.evidence{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--border);border-radius:var(--radius-card);overflow:hidden}
.evidence th,.evidence td{text-align:left;padding:.9rem 1.1rem;border-bottom:1px solid var(--border);vertical-align:top;font-size:.97rem}
.evidence th{font-family:var(--mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mist);background:var(--navy-50);font-weight:500}
.evidence td:first-child{font-weight:600;color:var(--ink);width:44%}
.evidence td:last-child{color:var(--slate)}
.evidence tr:last-child td{border-bottom:0}
@media (max-width:640px){
  .evidence,.evidence tbody,.evidence tr,.evidence td{display:block;width:100%}
  .evidence thead{display:none}
  .evidence tr{border-bottom:1px solid var(--border);padding:.8rem 1rem}
  .evidence tr:last-child{border-bottom:0}
  .evidence td{padding:.15rem 0;border:0;width:auto}
  .evidence td:first-child{width:auto;margin-bottom:.2rem}
  .evidence td:last-child::before{content:attr(data-label) " ";font-family:var(--mono);font-size:.7rem;text-transform:uppercase;letter-spacing:.08em;color:var(--mist);display:block;margin-bottom:.15rem}
}
.table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--border);border-radius:var(--radius-card);overflow:hidden}
.table th,.table td{text-align:left;padding:.8rem 1rem;border-bottom:1px solid var(--border);vertical-align:top;font-size:.95rem}
.table th{font-family:var(--mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mist);background:var(--navy-50);font-weight:500}
.table tr:last-child td{border-bottom:0}
.table td.num{font-family:var(--mono);text-align:right;white-space:nowrap}

/* lists */
.checklist,.list-x,.list-plain{list-style:none;padding:0;margin:0 0 1em}
.checklist li,.list-x li{position:relative;padding-left:2rem;margin-bottom:.6rem}
.checklist li::before,.list-x li::before{content:"";position:absolute;left:0;top:.2em;width:1.2rem;height:1.2rem;border-radius:50%;background-repeat:no-repeat;background-position:center;background-size:70%}
.checklist li::before{background-color:var(--success-dim);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230d8a4a' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E")}
.list-x li::before{background-color:var(--flag-dim);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23b42318' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M18 6 6 18M6 6l12 12'/%3E%3C/svg%3E")}
.list-plain li{padding-left:0}
ol.numbered{list-style:none;padding:0;counter-reset:n}
ol.numbered>li{counter-increment:n;position:relative;padding-left:3rem;margin-bottom:1.25rem}
ol.numbered>li::before{content:counter(n,decimal-leading-zero);position:absolute;left:0;top:.1em;font-family:var(--mono);color:var(--gold-800);font-size:.9rem}
ol.numbered h3,ol.numbered h4{margin-bottom:.25rem}

/* FAQ accordion */
.faq{border:1px solid var(--border);border-radius:var(--radius-card);background:#fff;overflow:hidden}
.faq-item+.faq-item{border-top:1px solid var(--border)}
.faq-q{margin:0;font-family:var(--sans);font-size:1rem}
.faq-btn{width:100%;display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:1rem 1.25rem;min-height:56px;background:none;border:0;text-align:left;font:inherit;font-weight:600;color:var(--ink);cursor:pointer}
.faq-btn:hover{background:var(--navy-50)}
.faq-btn[aria-expanded="true"] .faq-chev{transform:rotate(180deg)}
.faq-chev{flex-shrink:0;color:var(--navy-700);transition:transform .2s}
.faq-a{padding:0 1.25rem 1.1rem}
.faq-a-inner{color:var(--slate)}
.faq-a-inner p:last-child{margin-bottom:0}

/* callouts */
.callout{background:var(--navy-50);border:1px solid var(--navy-100);border-radius:var(--radius-card);padding:1.25rem 1.5rem}
.callout--gold{background:var(--gold-50);border:1px solid var(--gold-300);border-top:3px solid var(--gold-500)}
.callout--note{background:#fff;border-left:3px solid var(--navy-700)}
.callout p:last-child{margin-bottom:0}
.callout__label{font-family:var(--mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-800);margin-bottom:.5rem}
.figure{font-family:var(--serif);font-size:2.4rem;line-height:1.1;color:var(--navy-700)}
.figure--sm{font-size:1.6rem}
.example-math{font-family:var(--mono);font-size:.92rem;background:#fff;border:1px dashed var(--border-strong);border-radius:10px;padding:.9rem 1rem}
.tag{display:inline-block;font-family:var(--mono);font-size:.68rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-800);background:var(--gold-50);border:1px solid var(--gold-300);border-radius:100px;padding:.2rem .6rem}

/* people */
.person-card{display:grid;grid-template-columns:140px 1fr;gap:1.25rem;align-items:start;background:#fff;border:1px solid var(--border);border-radius:var(--radius-card);padding:1.5rem;box-shadow:var(--shadow)}
.person-card__photo{width:140px;height:140px;border-radius:12px;background:var(--navy-100);display:flex;align-items:center;justify-content:center;text-align:center;font-size:.72rem;color:var(--slate);padding:.5rem;line-height:1.3}
.person-card__name{font-family:var(--serif);font-size:1.4rem;margin:0 0 .15rem}
.person-card__title{font-family:var(--mono);font-size:.78rem;color:var(--gold-800);margin-bottom:.75rem}
.person-card p{font-size:.95rem;color:var(--slate)}
.person-card .actions{gap:.5rem 1rem}
@media (max-width:520px){.person-card{grid-template-columns:1fr}.person-card__photo{width:120px;height:120px}}
.qc-block{background:var(--navy-50);border:1px solid var(--navy-100);border-radius:var(--radius-card);padding:1.5rem}
.qc-block h3{font-size:1.15rem}
.qc-block p:last-child{margin-bottom:0}
.small-team{border-left:3px solid var(--gold-500);padding:.25rem 0 .25rem 1.25rem;color:var(--slate);font-size:1.02rem}

/* response promise */
.response-promise{display:inline-flex;align-items:center;gap:.5rem;font-size:.92rem;color:var(--slate)}
.response-promise svg{width:18px;height:18px;color:var(--navy-700);flex-shrink:0}

/* forms */
.form{background:#fff;border:1px solid var(--border);border-radius:var(--radius-card);padding:1.75rem;box-shadow:var(--shadow)}
.form__row{display:grid;grid-template-columns:1fr 1fr;gap:1rem 1.25rem}
.form__row--1{grid-template-columns:1fr}
@media (max-width:640px){.form__row{grid-template-columns:1fr}}
.form__group{display:flex;flex-direction:column;gap:.35rem;margin-bottom:1rem}
.form__group--span{grid-column:1/-1}
.form__label{font-weight:600;font-size:.95rem}
.form__label .req{color:var(--flag)}
.form__help{font-size:.85rem;color:var(--mist);margin:0}
.form__input,.form__select,.form__textarea{width:100%;min-height:48px;padding:.65rem .9rem;background:var(--input);border:1px solid var(--border-strong);border-radius:var(--radius-btn);color:var(--ink);font:inherit;font-size:1rem;outline:none;transition:border-color .2s,box-shadow .2s}
.form__input:focus,.form__select:focus,.form__textarea:focus{border-color:var(--navy-700);box-shadow:0 0 0 3px var(--accent-dim);outline:none}
.form__select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%231a3a5c' stroke-width='1.5' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right .9rem center;padding-right:2.5rem}
.form__textarea{min-height:120px;resize:vertical}
.form__input[aria-invalid="true"],.form__select[aria-invalid="true"]{border-color:var(--flag)}
.form__error{display:none;color:var(--flag);font-size:.85rem;margin:0}
.form__group.has-error .form__error{display:block}
.form__consent{display:flex;align-items:flex-start;gap:.7rem;font-size:.95rem}
.form__consent input{width:22px;height:22px;margin-top:.15rem;flex-shrink:0;accent-color:var(--navy-700)}
.form__status{display:none;margin-top:1rem;padding:.9rem 1rem;border-radius:10px;font-size:.95rem}
.form__status.error{display:block;background:var(--flag-dim);color:var(--flag);border:1px solid rgba(180,35,24,.25)}
.form__status.ok{display:block;background:var(--success-dim);color:var(--success)}
.honeypot{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
fieldset{border:0;padding:0;margin:0 0 1rem;min-width:0}
legend{font-weight:600;margin-bottom:.4rem;padding:0}
.radio-row{display:flex;flex-wrap:wrap;gap:.5rem}
.radio-row label{display:inline-flex;align-items:center;gap:.5rem;min-height:44px;padding:.4rem .9rem;border:1px solid var(--border-strong);border-radius:var(--radius-btn);background:#fff;cursor:pointer;font-size:.95rem}
.radio-row input{width:18px;height:18px;accent-color:var(--navy-700)}
.radio-row label:has(input:checked){border-color:var(--navy-700);background:var(--navy-50)}

/* range slider */
input[type=range].range{width:100%;height:44px;background:transparent;accent-color:var(--navy-700);cursor:pointer}
.range-value{font-family:var(--mono);font-weight:500;color:var(--navy-700)}

/* mode toggle (Book a call / Estimate) */
.mode-toggle{display:inline-flex;background:var(--input);border:1px solid var(--border-strong);border-radius:12px;padding:4px;gap:4px}
.mode-toggle button{min-height:44px;padding:.5rem 1.1rem;border:0;border-radius:9px;background:transparent;color:var(--slate);font:inherit;font-weight:600;cursor:pointer}
.mode-toggle button[aria-pressed="true"]{background:var(--navy-700);color:#fff}
.mode-panel[hidden]{display:none}

/* calculator */
.calc{background:#fff;border:1px solid var(--border);border-radius:var(--radius-card);padding:1.75rem;box-shadow:var(--shadow)}
.calc__result{margin-top:1.5rem;padding:1.5rem;background:var(--gold-50);border:1px solid var(--gold-300);border-top:3px solid var(--gold-500);border-radius:var(--radius-card)}
.calc__result[hidden]{display:none}
.calc__headline{font-family:var(--serif);font-size:clamp(1.5rem,3vw,2rem);color:var(--navy-700);margin:0 0 .4rem;line-height:1.2}
.calc__sub{font-size:1.05rem;color:var(--slate)}
.calc__flags{list-style:none;padding:0;margin:1rem 0 0}
.calc__flags li{display:flex;gap:.6rem;align-items:flex-start;padding:.6rem .8rem;background:#fff;border:1px solid var(--border);border-radius:10px;margin-bottom:.5rem;font-size:.93rem}
.calc__flags svg{width:20px;height:20px;flex-shrink:0;color:var(--navy-700);margin-top:.1rem}
.calc__state{margin-top:.75rem;font-size:.95rem}
.calc__small{padding:1.25rem;background:var(--navy-50);border-radius:10px}
details.assumptions{margin-top:1rem;border:1px solid var(--border);border-radius:10px;background:#fff}
details.assumptions summary{cursor:pointer;padding:.75rem 1rem;min-height:44px;display:flex;align-items:center;font-weight:600;font-size:.95rem}
details.assumptions>div{padding:0 1rem 1rem;font-size:.92rem;color:var(--slate)}

/* breadcrumb */
.breadcrumb{font-size:.85rem;color:var(--mist);padding:1rem 0 0}
.breadcrumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;margin:0;padding:0}
.breadcrumb li+li::before{content:"/";margin-right:.4rem;color:var(--border-strong)}
.breadcrumb a{color:var(--mist);text-decoration:none}
.breadcrumb a:hover{color:var(--navy-700);text-decoration:underline}

/* prose (guides, long copy) */
.prose{max-width:var(--max-narrow)}
.prose h2{margin-top:2.2rem;font-size:1.6rem}
.prose h3{margin-top:1.6rem;font-size:1.2rem}
.prose p,.prose li{font-size:1.02rem}
.prose .meta{font-family:var(--mono);font-size:.8rem;color:var(--mist)}

/* final CTA */
.cta-final{background:var(--navy-950);color:#fff;text-align:center}
.cta-final h2{color:#fff}
.cta-final p{color:rgba(255,255,255,.85);margin-left:auto;margin-right:auto}
.cta-final .link-tertiary{color:var(--gold-300)}
.cta-final .contact{margin-top:1.5rem;font-family:var(--mono);font-size:.9rem}
.cta-final .contact a{color:#fff}

/* footer */
.footer{background:#fff;border-top:1px solid var(--border);padding:3rem 0 2rem;font-size:.92rem;color:var(--slate)}
.footer__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem}
@media (max-width:900px){.footer__grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.footer__grid{grid-template-columns:1fr}}
.footer h4,.footer__heading{font-family:var(--mono);font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mist);margin-bottom:.75rem}
.footer ul{list-style:none;padding:0;margin:0}
.footer li{margin-bottom:.1rem}
.footer a{color:var(--slate);text-decoration:none;min-height:36px;display:inline-flex;align-items:center}
.footer a:hover{color:var(--navy-700);text-decoration:underline}
.footer__disclaimer{margin-top:2rem;padding-top:1.5rem;border-top:1px solid var(--border);font-size:.82rem;color:var(--mist);max-width:none}
.footer__copy{margin-top:1rem;font-size:.82rem;color:var(--mist)}

/* mobile sticky bar */
.sticky-bar{display:none}
@media (max-width:767px){
  body{padding-bottom:76px}
  body.no-sticky{padding-bottom:0}
  .sticky-bar{display:grid;grid-template-columns:2fr 1fr;gap:.5rem;position:fixed;left:0;right:0;bottom:0;z-index:90;padding:.6rem .75rem;background:rgba(255,255,255,.97);border-top:1px solid var(--border);box-shadow:0 -4px 16px rgba(15,26,46,.08)}
  body.no-sticky .sticky-bar{display:none}
}

/* calendly */
.calendly-box{min-height:700px;background:#fff;border:1px solid var(--border);border-radius:var(--radius-card);overflow:hidden;position:relative}
.calendly-box .calendly-inline-widget{min-width:300px;height:700px}
.calendly-box__loading{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;color:var(--mist);font-size:.95rem;pointer-events:none}
.calendly-box.loaded .calendly-box__loading{display:none}
.booked{display:none;margin-top:1rem;padding:1.25rem;background:var(--success-dim);border:1px solid rgba(13,138,74,.25);border-radius:12px}
.booked.show{display:block}
.seven{list-style:none;padding:0;margin:0;counter-reset:s}
.seven li{counter-increment:s;position:relative;padding-left:2.4rem;margin-bottom:.5rem;font-size:.95rem}
.seven li::before{content:counter(s);position:absolute;left:0;top:0;width:1.7rem;height:1.7rem;border-radius:50%;background:var(--navy-700);color:#fff;font-family:var(--mono);font-size:.75rem;display:flex;align-items:center;justify-content:center}

/* ===== Shell v3: dark-led nav and footer, bold display scale, cards with depth ===== */
body{--maxw:1200px;background:var(--cloud)}
.nav{background:var(--navy-950);border-bottom:1px solid rgba(255,255,255,.08);backdrop-filter:none}
.nav .wordmark{color:#fff}
.nav__links a,.nav__links button{color:rgba(255,255,255,.82)}
.nav__links a:hover,.nav__links button:hover{color:#fff;background:rgba(255,255,255,.08)}
.nav__links .btn{background:var(--gold-500);color:var(--navy-950)}
.nav__links .btn:hover{background:var(--gold-300);color:var(--navy-950)}
.nav__toggle{color:#fff;border-color:rgba(255,255,255,.3)}
.nav__dd{background:var(--navy-900);border-color:rgba(255,255,255,.1)}
@media (max-width:1000px){.nav__links{background:var(--navy-950)}}
.sender-bar{background:var(--navy-800);border-bottom:1px solid rgba(255,255,255,.08)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 1.5rem}
.reveal{opacity:0;transform:translateY(22px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}

/* hero */
.b-hero{background:radial-gradient(1200px 600px at 15% -10%,rgba(42,90,140,.55),transparent 60%),linear-gradient(135deg,var(--navy-950),var(--navy-800));color:#fff;padding:5rem 0 7.5rem;position:relative;overflow:hidden}
.b-hero::after{content:"";position:absolute;inset:auto 0 0 0;height:1px;background:linear-gradient(90deg,transparent,var(--gold-500),transparent);opacity:.7}
.b-hero__grid{display:grid;grid-template-columns:1.1fr .9fr;gap:3.5rem;align-items:center}
.b-kicker{font-family:var(--mono);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-300);margin-bottom:1.5rem}
.b-hero h1{color:#fff;font-size:clamp(2.8rem,5.4vw,4.6rem);line-height:1;margin-bottom:1.25rem;max-width:11ch}
.b-hero h1 span{color:var(--gold-300)}
.b-lead{font-size:1.2rem;color:rgba(255,255,255,.8);max-width:46ch;margin-bottom:2rem}
.b-chips{display:flex;flex-wrap:wrap;gap:.6rem}
.b-chips span{font-family:var(--mono);font-size:.74rem;letter-spacing:.06em;padding:.5rem .8rem;border:1px solid rgba(255,255,255,.22);border-radius:100px;color:rgba(255,255,255,.9);background:rgba(255,255,255,.04)}
.b-card{background:#fff;color:var(--ink);border-radius:18px;box-shadow:0 30px 80px -30px rgba(0,0,0,.6),0 2px 6px rgba(0,0,0,.2);overflow:hidden;transform:translateY(2.5rem)}
.b-card__head{padding:1.1rem 1.4rem .4rem}
.b-card__head h2{font-size:1.25rem;margin:0 0 .15rem}
.b-card__head p{margin:0;font-size:.88rem;color:var(--mist)}
.b-card .mode-toggle{margin:.75rem 1.4rem 1rem;display:flex}
.b-card .mode-toggle button{flex:1}
.b-card .calendly-box{border:0;border-radius:0;min-height:600px;border-top:1px solid var(--border)}
.b-card .calendly-box .calendly-inline-widget{height:600px}
.b-card .calc{border:0;box-shadow:none;border-radius:0;border-top:1px solid var(--border);padding:1.4rem}
.b-card .calc__result{margin:0;border-radius:0;border-left:0;border-right:0;border-bottom:0}
.b-card__foot{padding:.8rem 1.4rem;font-size:.85rem;color:var(--mist);border-top:1px solid var(--border);background:var(--cloud)}

/* sections */
.b-section{padding:6rem 0}
.b-section--white{background:#fff}
.b-section--dark{background:var(--navy-950);color:#fff}
.b-head{position:relative;margin-bottom:2.5rem;max-width:760px}
.b-head .big{position:absolute;left:-.1em;top:-.55em;font-family:var(--serif);font-size:7rem;line-height:1;color:var(--navy-100);z-index:0;user-select:none}
.b-section--dark .b-head .big{color:rgba(255,255,255,.07)}
.b-head h2{position:relative;font-size:clamp(2rem,3.6vw,2.8rem);margin-bottom:.6rem}
.b-head p{position:relative;font-size:1.1rem;color:var(--slate);margin:0}
.b-section--dark .b-head p{color:rgba(255,255,255,.75)}

/* industry cards */
.b-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}
.b-card2{display:flex;flex-direction:column;background:#fff;border:1px solid var(--border);border-radius:16px;padding:1.6rem;min-height:300px;color:inherit;text-decoration:none;transition:transform .3s cubic-bezier(.2,.7,.2,1),box-shadow .3s,border-color .3s;position:relative;overflow:hidden}
.b-card2::before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:var(--navy-700);transform:scaleX(0);transform-origin:left;transition:transform .35s}
.b-card2:hover{transform:translateY(-6px);box-shadow:0 24px 48px -20px rgba(15,26,46,.3);border-color:var(--border-strong)}
.b-card2:hover::before{transform:scaleX(1)}
.b-card2 .ic{width:48px;height:48px;border-radius:12px;background:var(--navy-50);display:flex;align-items:center;justify-content:center;color:var(--navy-700);margin-bottom:1.25rem}
.b-card2 h3{font-size:1.35rem;margin-bottom:.5rem}
.b-card2 p{color:var(--slate);font-size:.95rem;margin:0 0 1rem}
.b-card2 .more{margin-top:auto;font-weight:600;color:var(--navy-500);display:flex;align-items:center;gap:.4rem}

/* timeline */
.b-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;counter-reset:s}
.b-step{background:#fff;border-radius:16px;padding:1.75rem;border:1px solid var(--border);position:relative}
.b-step .n{font-family:var(--serif);font-size:3rem;line-height:1;color:var(--gold-500);margin-bottom:.75rem}
.b-step h3{font-size:1.15rem}
.b-step p{font-size:.95rem;color:var(--slate);margin:0}
.b-callout{margin-top:2rem;display:flex;gap:1.25rem;align-items:center;flex-wrap:wrap;justify-content:space-between;background:#fff;border:1px solid var(--border);border-radius:16px;padding:1.25rem 1.5rem}

/* document stack */
.b-box{display:grid;grid-template-columns:.9fr 1.1fr;gap:3rem;align-items:center}
.b-stack{position:relative;height:360px}
.b-sheet{position:absolute;left:10%;right:10%;top:0;bottom:0;background:#fff;border:1px solid var(--border);border-radius:10px;box-shadow:0 20px 40px -20px rgba(15,26,46,.3);padding:1.5rem;font-family:var(--mono);font-size:.72rem;color:var(--mist);line-height:2}
.b-sheet:nth-child(1){transform:rotate(-4deg) translate(-16px,18px);opacity:.55}
.b-sheet:nth-child(2){transform:rotate(2deg) translate(12px,8px);opacity:.8}
.b-sheet:nth-child(3){transform:none}
.b-sheet b{display:block;font-family:var(--serif);font-size:1.1rem;color:var(--navy-700);letter-spacing:-.01em;margin-bottom:.5rem}
.b-sheet i{display:block;height:6px;background:var(--navy-50);border-radius:3px;margin:.6rem 0;width:85%}
.b-sheet i:nth-of-type(2){width:60%}.b-sheet i:nth-of-type(3){width:72%}
.b-sheet .amt{position:absolute;right:1.5rem;bottom:1.25rem;font-family:var(--serif);font-size:1.6rem;color:var(--gold-800)}

/* four-part */
.b-four{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem}
.b-four>div{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:1.75rem;display:grid;grid-template-columns:3.5rem 1fr;gap:1rem}
.b-four .n{font-family:var(--serif);font-size:2.6rem;line-height:1;color:var(--gold-300)}
.b-four h3{color:#fff;font-size:1.2rem;margin-bottom:.35rem}
.b-four p{color:rgba(255,255,255,.75);font-size:.95rem;margin:0}
.b-honest{margin-top:2.5rem;display:grid;grid-template-columns:1fr 1fr;gap:2.5rem}
.b-honest h3{color:#fff}
.b-honest li{color:rgba(255,255,255,.8)}
.b-honest .checklist li::before{background-color:rgba(13,138,74,.25)}
.b-honest .list-x li::before{background-color:rgba(180,35,24,.25)}

/* number panel */
.b-number{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center;background:#fff;border-radius:24px;padding:3rem;border:1px solid var(--border);box-shadow:0 30px 60px -40px rgba(15,26,46,.3)}
.b-figure{font-family:var(--serif);font-size:clamp(3.4rem,7vw,5.4rem);line-height:1;color:var(--navy-700);letter-spacing:-.03em}
.b-figure small{display:block;font-family:var(--mono);font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-800);margin-top:.9rem}
.b-math{font-family:var(--mono);font-size:.88rem;line-height:1.9;color:var(--slate);background:var(--cloud);border-radius:12px;padding:1rem 1.25rem;margin-top:1rem}

/* why now + faq + cta */
.b-why{display:grid;grid-template-columns:repeat(3,1fr);gap:1.25rem}
.b-why div{background:#fff;border:1px solid var(--border);border-radius:16px;padding:1.75rem}
.b-why h3{font-size:1.15rem}.b-why p{font-size:.95rem;color:var(--slate);margin:0}
.faq{border-radius:16px}
.b-cta{background:linear-gradient(135deg,var(--navy-700),var(--navy-500));color:#fff;padding:6rem 0;text-align:center}
.b-cta h2{color:#fff;font-size:clamp(2.2rem,4.4vw,3.4rem);max-width:18ch;margin:0 auto 1rem}
.b-cta p{color:rgba(255,255,255,.85);max-width:52ch;margin:0 auto 1.75rem}
.b-cta .mono{margin-top:2rem;color:rgba(255,255,255,.7);font-size:.85rem}
.footer{background:var(--navy-950);color:rgba(255,255,255,.75);border-top:0}
.footer .wordmark{color:#fff}
.footer a,.footer .footer__heading{color:rgba(255,255,255,.7)}
.footer a:hover{color:#fff}
.footer__disclaimer,.footer__copy{color:rgba(255,255,255,.5);border-color:rgba(255,255,255,.12)}
@media (max-width:900px){
  .b-hero{padding:3.5rem 0 5rem}.b-hero__grid,.b-box,.b-honest,.b-number,.b-four{grid-template-columns:1fr}
  .b-cards,.b-steps,.b-why{grid-template-columns:1fr 1fr}.b-card{transform:none}
  .b-head .big{font-size:5rem}.b-number{padding:2rem}
}
@media (max-width:560px){.b-cards,.b-steps,.b-why{grid-template-columns:1fr}.b-stack{height:300px}}

/* ===== Inner pages v3: dark hero, ghost section numerals, homepage card treatment ===== */
.hero--page{background:radial-gradient(1200px 600px at 15% -10%,rgba(42,90,140,.55),transparent 60%),linear-gradient(135deg,var(--navy-950),var(--navy-800));color:#fff;padding:4rem 0 4.5rem;position:relative}
.hero--page::after{content:"";position:absolute;inset:auto 0 0 0;height:1px;background:linear-gradient(90deg,transparent,var(--gold-500),transparent);opacity:.7}
.hero--page h1{color:#fff;font-size:clamp(2.4rem,4.6vw,3.8rem);line-height:1.04}
.hero--page .hero__sub{color:rgba(255,255,255,.8)}
.hero--page .eyebrow,.hero--page .meta{color:var(--gold-300)}
.hero--page .eyebrow::after{background:var(--gold-300)}
.hero--page .breadcrumb,.hero--page .breadcrumb a{color:rgba(255,255,255,.6)}
.hero--page .breadcrumb li+li::before{color:rgba(255,255,255,.35)}
.hero--page .breadcrumb a:hover{color:#fff}
.hero--page .response-promise{color:rgba(255,255,255,.75)}
.hero--page .response-promise svg{color:var(--gold-300)}
.hero--page .btn--primary{background:var(--gold-500);color:var(--navy-950)}
.hero--page .btn--primary:hover{background:var(--gold-300);color:var(--navy-950)}
.hero--page .btn--secondary{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.hero--page .btn--secondary:hover{background:rgba(255,255,255,.1);color:#fff}
.hero--page .second-opinion-line{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.2);color:#fff}
main{counter-reset:sec}
main>section:not(.hero):not(.b-hero):not(.b-ctasec):not(.cta-final){counter-increment:sec}
.section-head{position:relative;padding-top:1.25rem}
.section-head::before{content:counter(sec,decimal-leading-zero);position:absolute;left:-.1em;top:-.55em;font-family:var(--serif);font-size:7rem;line-height:1;color:var(--navy-100);z-index:0;user-select:none;pointer-events:none}
.section-head>*{position:relative}
.section-head .eyebrow{display:none}
.section--dark .section-head::before{color:rgba(255,255,255,.07)}
.card{border-radius:16px}
.card--link{transition:transform .3s cubic-bezier(.2,.7,.2,1),box-shadow .3s,border-color .3s}
.card--link:hover{transform:translateY(-6px);box-shadow:0 24px 48px -20px rgba(15,26,46,.3)}
.card--law{border-left:0;border-top:3px solid var(--gold-500)}
.steps .step{border-radius:16px;padding:1.75rem}
.step__num{font-family:var(--serif);font-size:2.6rem;line-height:1;color:var(--gold-500);letter-spacing:0;text-transform:none;margin-bottom:.6rem}
.timeline__dot{background:var(--navy-700)}
.faq{border-radius:16px}
.callout,.callout--gold{border-radius:16px}
.prose h2{position:relative}
@media (max-width:900px){.section-head::before{font-size:5rem}.hero--page{padding:3rem 0 3.5rem}}