:root{--navy:#0B2E59;--navy-d:#061A33;--navy-m:#123E72;--ink:#0D1726;--ink2:#566476;--line:#E3E8EF;--bg:#F4F6F9;--gold:#C9A04F;--gold-d:#A9822F;--gold-l:#E4C88A;--radius:16px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased;font-size:16px}
a{color:inherit}img{max-width:100%;display:block}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:"Manrope","Inter",sans-serif;color:var(--navy);letter-spacing:-.025em}
h1{font-weight:800}h2{font-weight:800}h3{font-weight:700}
.hl{color:var(--gold);position:relative;white-space:nowrap}
.hl:after{content:"";position:absolute;left:0;right:0;bottom:.04em;height:.14em;background:var(--gold);opacity:.35;border-radius:4px}
h1 em,h2 em{font-style:normal;color:var(--gold)}
/* utility + header */
.util{background:var(--navy-d);color:#AFC0D3;font-size:13px}
.util .wrap{display:flex;justify-content:space-between;gap:22px;height:38px;align-items:center}
.util .live{display:inline-flex;align-items:center;gap:8px;color:#fff;font-weight:500}
.util .live i{width:8px;height:8px;border-radius:50%;background:#3DDC84;box-shadow:0 0 0 4px rgba(61,220,132,.18)}
.util .r{display:flex;gap:22px}
.util a{text-decoration:none;color:#AFC0D3}.util a:hover{color:#fff}
header.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;gap:24px;height:80px}
.brand img{height:52px;width:auto}
nav.main{margin-left:auto;display:flex;align-items:center;gap:4px}
nav.main a,nav.main button{color:var(--ink);text-decoration:none;font-size:15px;font-weight:600;padding:10px 14px;border-radius:999px;background:none;border:0;cursor:pointer;font-family:inherit;display:inline-flex;align-items:center;gap:6px}
nav.main a:hover,nav.main button:hover{color:var(--navy);background:var(--bg)}
nav.main a[aria-current=page]{color:var(--gold-d)}
.dd{position:relative}
.dd-menu{position:absolute;top:calc(100% + 8px);left:0;min-width:290px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 24px 60px rgba(6,26,51,.16);padding:8px;display:none}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{display:block}
.dd-menu a{display:block!important;padding:12px 14px!important;border-radius:12px!important}
.dd-menu a small{display:block;color:var(--ink2);font-weight:400;font-size:13px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-weight:700;font-size:15.5px;padding:16px 28px;border-radius:999px;text-decoration:none;border:1.5px solid transparent;cursor:pointer;font-family:"Manrope",inherit;transition:transform .15s,background .15s,border-color .15s,box-shadow .15s;line-height:1.2}
.btn:hover{transform:translateY(-1px)}
.btn .arr{transition:transform .15s}.btn:hover .arr{transform:translateX(3px)}
.btn.gold{background:var(--gold);color:var(--navy-d);box-shadow:0 10px 26px rgba(201,160,79,.35)}.btn.gold:hover{background:var(--gold-l)}
.btn.primary,.btn.navy{background:var(--navy);color:#fff}.btn.primary:hover,.btn.navy:hover{background:var(--navy-m)}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}.btn.ghost:hover{background:rgba(255,255,255,.08);border-color:#fff}
.btn.line{background:#fff;color:var(--navy);border-color:#CCD5E0}.btn.line:hover{border-color:var(--navy)}
nav.main .btn.gold{margin-left:10px;padding:12px 22px;color:var(--navy-d)}
.burger{display:none;margin-left:auto;background:none;border:0;color:var(--navy);padding:8px;cursor:pointer}
@media(max-width:960px){
  .util .r span{display:none}
  .burger{display:block}
  nav.main{display:none;position:absolute;top:80px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:8px 24px 20px;gap:0;box-shadow:0 20px 40px rgba(6,26,51,.1)}
  nav.main.open{display:flex}
  .dd-menu{position:static;display:block;border:0;box-shadow:none;padding:0 0 0 10px}
  .dd>button{display:none}
  nav.main .btn.gold{margin:10px 0 0}
}
@media(max-width:560px){.util .r{display:none}}
/* split hero */
.split{position:relative;display:grid;grid-template-columns:1.08fr .92fr;min-height:660px;background:var(--navy-d);overflow:hidden}
.split .l{position:relative;padding:96px 64px 150px max(24px,calc((100vw - 1200px)/2 + 24px));color:#fff;z-index:2;
  background:radial-gradient(600px 420px at 85% 10%,rgba(201,160,79,.20),transparent 65%),radial-gradient(700px 500px at 0% 100%,rgba(18,62,114,.9),transparent 70%),var(--navy-d)}
.split .l:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:56px 56px;mask-image:linear-gradient(180deg,#000,transparent 85%);-webkit-mask-image:linear-gradient(180deg,#000,transparent 85%);pointer-events:none}
.split .l>*{position:relative}
.split .r{position:relative;clip-path:polygon(14% 0,100% 0,100% 100%,0 100%);margin-left:-12%}
.split .r img{width:100%;height:100%;object-fit:cover}
.split .r:after{content:"";position:absolute;inset:0;background:linear-gradient(200deg,transparent 40%,rgba(6,26,51,.55))}
.badge{display:inline-flex;align-items:center;gap:10px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);color:#E6ECF3;font-size:13.5px;font-weight:600;padding:8px 16px 8px 10px;border-radius:999px;margin-bottom:28px}
.badge b{white-space:nowrap;background:var(--gold);color:var(--navy-d);font-size:11px;letter-spacing:.08em;padding:4px 9px;border-radius:999px;text-transform:uppercase}
.split h1{color:#fff;font-size:clamp(44px,5.6vw,78px);line-height:1.02;margin:0 0 24px}
.split p.lead{font-size:clamp(17px,1.7vw,19.5px);color:#B8C6D6;max-width:540px;margin:0 0 36px}
.split .ctas{display:flex;gap:12px;flex-wrap:wrap}
.ticks{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:30px;color:#C9D5E2;font-size:14px;font-weight:500}
.ticks span{display:inline-flex;align-items:center;gap:8px}.ticks svg{color:var(--gold)}
.quick{position:absolute;z-index:3;right:max(24px,calc((100vw - 1200px)/2 + 24px));bottom:120px;width:330px;background:#fff;border-radius:20px;padding:24px;box-shadow:0 30px 80px rgba(0,0,0,.35)}
.quick small{font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-d);font-weight:800}
.quick h3{margin:6px 0 14px;font-size:20px}
.chips{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.chips a{display:block;text-align:center;text-decoration:none;font-weight:700;font-family:"Manrope",sans-serif;color:var(--navy);border:1.5px solid var(--line);border-radius:12px;padding:12px 6px;transition:all .15s}
.chips a:hover{border-color:var(--gold);background:#FBF6EC;color:var(--navy-d)}
.quick .note{font-size:12.5px;color:var(--ink2);margin:12px 0 0;display:flex;gap:6px;align-items:center}
@media(max-width:1100px){.quick{display:none}}
@media(max-width:960px){.split{grid-template-columns:1fr;min-height:0}.split .l{padding:64px 24px 120px}.split .r{display:none}}
/* stats strip */
.strip{position:relative;z-index:4;margin-top:-64px}
.strip .bar{background:#fff;border-radius:20px;box-shadow:0 30px 70px rgba(6,26,51,.14);display:grid;grid-template-columns:repeat(4,1fr);overflow:hidden}
.strip .bar div{padding:30px 32px;border-left:1px solid var(--line)}
.strip .bar div:first-child{border-left:0}
.strip b{display:block;font-family:"Manrope",sans-serif;font-weight:800;font-size:clamp(26px,2.6vw,36px);color:var(--navy);letter-spacing:-.03em;line-height:1.1}
.strip b i{font-style:normal;color:var(--gold)}
.strip span{font-size:14px;color:var(--ink2)}
@media(max-width:800px){.strip .bar{grid-template-columns:1fr 1fr}.strip .bar div:nth-child(3){border-left:0}.strip .bar div:nth-child(n+3){border-top:1px solid var(--line)}}
/* sections */
section{padding:104px 0}
section.alt{background:var(--bg)}
section.dark{background:var(--navy-d);color:#C9D5E2;clip-path:polygon(0 48px,100% 0,100% calc(100% - 48px),0 100%);padding:150px 0}
section.dark h2,section.dark h3{color:#fff}
section.tight{padding:56px 0}
h2{font-size:clamp(34px,4vw,52px);line-height:1.08;margin:0 0 16px}
h3{font-size:19px;margin:0 0 8px}
.sub{color:var(--ink2);font-size:18px;max-width:640px;margin:0 0 52px}
section.dark .sub{color:#AFC0D3}
.center{text-align:center}.center .sub{margin-left:auto;margin-right:auto}
.head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;flex-wrap:wrap;margin-bottom:48px}
.head-row .sub{margin:0}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:12.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-d);font-weight:800;margin-bottom:16px;font-family:"Manrope",sans-serif}
.eyebrow:before{content:"";width:22px;height:2px;background:currentColor;border-radius:2px}
section.dark .eyebrow,.page-hero .eyebrow{color:var(--gold)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media(max-width:960px){.grid3,.grid2{grid-template-columns:1fr;gap:36px}.grid4{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.grid4{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:0 1px 2px rgba(6,26,51,.04)}
.card p{margin:0;color:var(--ink2)}
.icon{width:52px;height:52px;border-radius:14px;background:#FBF4E6;color:var(--gold-d);display:grid;place-items:center;margin-bottom:20px}
/* bento products */
.bento{display:grid;grid-template-columns:1.25fr 1fr 1fr;grid-template-rows:auto auto;gap:20px}
.bento .prod{position:relative;display:flex;flex-direction:column;text-decoration:none;border-radius:20px;padding:32px;background:#fff;border:1px solid var(--line);transition:transform .2s,box-shadow .2s,border-color .2s;overflow:hidden;min-height:250px}
.bento .prod:hover{transform:translateY(-4px);box-shadow:0 26px 60px rgba(6,26,51,.12);border-color:#D6DEE8}
.bento .prod p{color:var(--ink2);margin:0}
.bento .prod .range{font-family:"Manrope",sans-serif;font-weight:800;font-size:13px;letter-spacing:.06em;color:var(--gold-d);text-transform:uppercase;margin-bottom:8px}
.bento .prod h3{font-size:24px;margin:0 0 10px}
.bento .prod .go{margin-top:auto;padding-top:22px;display:flex;align-items:center;gap:10px;font-weight:700;color:var(--navy);font-size:15px;font-family:"Manrope",sans-serif}
.bento .prod .go i{width:36px;height:36px;border-radius:50%;background:var(--bg);display:grid;place-items:center;transition:background .2s,transform .2s;font-style:normal}
.bento .prod:hover .go i{background:var(--gold);transform:translateX(3px)}
.bento .big{grid-row:span 2;background:var(--navy-d);border:0;color:#fff;min-height:520px;justify-content:flex-end}
.bento .big:before{content:"";position:absolute;inset:0;background:var(--img) center/cover;opacity:.55}
.bento .big:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(6,26,51,.1),rgba(6,26,51,.92) 70%)}
.bento .big>*{position:relative;z-index:1}
.bento .big h3{color:#fff;font-size:32px}.bento .big p{color:#C9D5E2}.bento .big .go{color:#fff}.bento .big .go i{background:rgba(255,255,255,.14)}
.bento .big .icon{background:rgba(201,160,79,.18);color:var(--gold-l)}
.bento .wide{grid-column:span 2;flex-direction:row;gap:28px;align-items:center;min-height:0;background:linear-gradient(120deg,#FBF6EC,#fff 60%)}
.bento .wide .go{margin:0 0 0 auto;padding:0}
@media(max-width:960px){.bento{grid-template-columns:1fr 1fr}.bento .big{grid-column:span 2;grid-row:auto;min-height:380px}.bento .wide{grid-column:span 2}}
@media(max-width:620px){.bento{grid-template-columns:1fr}.bento .big,.bento .wide{grid-column:auto}.bento .wide{flex-direction:column;align-items:flex-start}.bento .wide .go{margin:0}}
/* why (dark) */
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:10px}
.why>div{border:1px solid rgba(255,255,255,.1);border-radius:20px;padding:32px;background:rgba(255,255,255,.03)}
.why .n{font-family:"Manrope",sans-serif;font-weight:800;font-size:56px;line-height:1;color:transparent;-webkit-text-stroke:1.5px var(--gold);margin-bottom:22px}
.why p{margin:0;color:#AFC0D3}
@media(max-width:960px){.why{grid-template-columns:1fr}}
/* industries */
.chipcloud{display:flex;flex-wrap:wrap;gap:12px}
.chipcloud span{display:inline-flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:12px 20px;font-weight:600;color:var(--navy);font-size:15px;transition:all .15s}
.chipcloud span:hover{border-color:var(--gold);background:#FBF6EC}
.chipcloud span:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold)}
.chipcloud span.more{background:var(--navy);color:#fff;border-color:var(--navy)}
/* timeline */
.timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;position:relative}
.timeline:before{content:"";position:absolute;top:28px;left:8%;right:8%;height:2px;background:repeating-linear-gradient(90deg,var(--gold) 0 10px,transparent 10px 18px)}
.timeline>div{position:relative;text-align:center;padding:0 10px}
.timeline .dot{width:58px;height:58px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;margin:0 auto 22px;font-family:"Manrope",sans-serif;font-weight:800;font-size:20px;box-shadow:0 0 0 8px #fff,0 0 0 9px var(--line)}
.timeline p,.timeline li{color:var(--ink2);margin:0}
.timeline ul{text-align:left;display:inline-block;margin:0;padding-left:18px}
@media(max-width:860px){.timeline{grid-template-columns:1fr}.timeline:before{display:none}}
/* misc */
.step-n{font-size:13px;font-weight:800;color:var(--gold-d);letter-spacing:.12em;margin-bottom:12px;font-family:"Manrope",sans-serif}
.card ul{margin:10px 0 0;padding-left:18px;color:var(--ink2)}
.stat{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;position:relative;overflow:hidden}
.stat:before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--gold)}
.stat b{display:block;font-family:"Manrope",sans-serif;font-size:28px;font-weight:800;color:var(--navy);letter-spacing:-.03em}
.stat span{color:var(--ink2);font-size:14px}
.check{list-style:none;padding:0;margin:0}
.check li{padding:7px 0 7px 32px;position:relative;color:var(--ink2)}
.check li:before{content:"";position:absolute;left:0;top:11px;width:20px;height:20px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23061A33' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/11px no-repeat}
/* inner page hero: navy split with angled photo */
.page-hero{position:relative;overflow:hidden;background:radial-gradient(600px 400px at 40% 0%,rgba(201,160,79,.16),transparent 65%),var(--navy-d);padding:96px 0 104px;color:#fff}
.page-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:56px 56px;mask-image:linear-gradient(90deg,#000,transparent 60%);-webkit-mask-image:linear-gradient(90deg,#000,transparent 60%)}
.page-hero .wrap>*{max-width:560px;position:relative;z-index:1}
.page-hero[style]:after{content:"";position:absolute;top:0;bottom:0;right:0;width:44%;background:linear-gradient(90deg,var(--navy-d),transparent 30%),var(--img) center/cover;clip-path:polygon(18% 0,100% 0,100% 100%,0 100%)}
@media(max-width:960px){.page-hero[style]:after{display:none}.page-hero .wrap>*{max-width:none}}
.page-hero h1{font-size:clamp(38px,4.8vw,60px);margin:0 0 18px;line-height:1.05;color:#fff}
.page-hero p{color:#B8C6D6;font-size:18px;margin:0}
.prose{max-width:780px}.prose p,.prose li{color:var(--ink2)}.prose h2{font-size:28px;margin-top:36px}
.example{background:var(--navy-d);color:#C9D5E2;border-radius:var(--radius);padding:28px;border-left:4px solid var(--gold)}
.example h3{color:#fff}
.cta-band{position:relative;overflow:hidden;background:linear-gradient(120deg,var(--gold) 0%,var(--gold-l) 100%);color:var(--navy-d);border-radius:24px;padding:60px;display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.cta-band:after{content:"";position:absolute;right:-80px;top:-80px;width:300px;height:300px;border-radius:50%;border:40px solid rgba(255,255,255,.18)}
.cta-band>*{position:relative;z-index:1}
.cta-band h2{color:var(--navy-d);margin:0 0 8px;font-size:clamp(28px,3.2vw,40px)}.cta-band p{margin:0;color:#3A3220;font-weight:500}
.cta-band .btn.gold{background:var(--navy-d);color:#fff;box-shadow:none}.cta-band .btn.gold:hover{background:var(--navy)}
.cta-band .btn.ghost{color:var(--navy-d);border-color:rgba(6,26,51,.35)}.cta-band .btn.ghost:hover{background:rgba(255,255,255,.25)}
.photo{width:100%;border-radius:20px;object-fit:cover;aspect-ratio:4/3}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px 24px;margin:0 0 12px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:17px;list-style:none;display:flex;justify-content:space-between;gap:16px;font-family:"Manrope",sans-serif}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font-size:22px;line-height:1;color:var(--gold-d);flex:none}
.faq details[open]{border-color:var(--gold)}
.faq details[open] summary:after{content:"–"}
.faq details p{margin:12px 0 0;color:var(--ink2)}
/* reveal */
.js .rv{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.js .rv.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.js .rv{opacity:1;transform:none;transition:none}}
/* forms */
form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:700px){form .row{grid-template-columns:1fr}}
label{display:block;font-size:14px;font-weight:600;color:var(--navy);margin:0 0 6px}
.f{margin-bottom:16px}
input,select,textarea{width:100%;font:inherit;font-size:16px;padding:13px 14px;border:1px solid #CCD5DF;border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold)}
textarea{min-height:110px;resize:vertical}
fieldset{border:1px solid var(--line);border-radius:var(--radius);padding:26px 26px 10px;margin:0 0 22px;background:#fff}
legend{font-weight:800;color:var(--navy);padding:0 8px;font-size:17px;font-family:"Manrope",sans-serif}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--ink2);font-weight:400}
.consent input{width:18px;height:18px;margin-top:2px;flex:none}
.hint{font-size:13px;color:var(--ink2);margin-top:4px}
.req{color:#B3261E}
.form-card{background:var(--bg);border:1px solid var(--line);border-radius:20px;padding:32px}
.hp{position:absolute;left:-5000px}
/* footer */
footer{background:var(--navy-d);color:#9FB0C2;padding:72px 0 28px;font-size:15px;border-top:4px solid var(--gold)}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1.2fr;gap:32px}
@media(max-width:800px){footer .cols{grid-template-columns:1fr 1fr}}
footer h4{color:#fff;margin:0 0 14px;font-size:13px;letter-spacing:.12em;text-transform:uppercase}
footer a{color:#9FB0C2;text-decoration:none;display:block;padding:4px 0}footer a:hover{color:#fff}
footer .legal{border-top:1px solid rgba(255,255,255,.1);margin-top:44px;padding-top:22px;font-size:13px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
footer .legal a{display:inline}
.social{display:flex;gap:10px;margin-top:18px}.social a{width:40px;height:40px;border-radius:50%;border:1px solid rgba(255,255,255,.18);display:grid;place-items:center;padding:0}
.disclaim{font-size:12px;color:#7F92A6;margin-top:18px;max-width:900px}
/* estimator */
.calc{display:grid;grid-template-columns:1.25fr .75fr;background:#fff;border:1px solid var(--line);border-radius:28px;overflow:hidden;box-shadow:0 30px 80px rgba(6,26,51,.10)}
.calc-in{padding:56px}
.cf{margin-bottom:28px}
.cl{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:12px}
.cl label{font-family:"Manrope",sans-serif;font-weight:700;font-size:16px;margin:0}
.cl output{font-family:"Manrope",sans-serif;font-weight:800;font-size:22px;color:var(--navy);letter-spacing:-.02em}
.ends{display:flex;justify-content:space-between;font-size:12.5px;color:var(--ink2);margin-top:6px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:99px;background:linear-gradient(90deg,var(--gold),var(--gold-l));padding:0;border:0;outline:none}
input[type=range]:focus{outline:2px solid var(--navy);outline-offset:4px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:#fff;border:6px solid var(--navy);box-shadow:0 4px 14px rgba(6,26,51,.3);cursor:pointer}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:6px solid var(--navy);cursor:pointer}
.seg{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.seg label{margin:0;cursor:pointer}
.seg input{position:absolute;opacity:0;width:1px;height:1px}
.seg span{display:block;text-align:center;border:1.5px solid var(--line);border-radius:12px;padding:12px 6px;font-weight:700;font-size:14.5px;color:var(--navy);transition:all .15s}
.seg input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.seg input:focus-visible+span{outline:2px solid var(--gold);outline-offset:2px}
.calc-out{background:radial-gradient(400px 300px at 100% 0%,rgba(201,160,79,.28),transparent 70%),var(--navy-d);color:#C9D5E2;padding:56px 44px;display:flex;flex-direction:column;justify-content:center}
.calc-out small{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);font-weight:800;font-family:"Manrope",sans-serif}
.calc-out .amt{font-family:"Manrope",sans-serif;font-weight:800;color:#fff;font-size:clamp(36px,3.6vw,50px);letter-spacing:-.035em;line-height:1.05;margin:10px 0 20px}
.meter{height:6px;background:rgba(255,255,255,.12);border-radius:99px;overflow:hidden;margin-bottom:22px}
.meter i{display:block;height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-l));border-radius:99px;transition:width .3s}
.calc-out .fit{margin:0 0 28px;font-size:15px}.calc-out .fit b{color:#fff}
.calc-out .btn{align-self:flex-start}
.calc-out .fine{font-size:12px;color:#7F92A6;margin:20px 0 0}
@media(max-width:960px){.calc{grid-template-columns:1fr}.calc-in,.calc-out{padding:34px 26px}}
/* SBA quiz */
.quiz{background:#fff;border:1px solid var(--line);border-radius:28px;padding:48px;box-shadow:0 30px 80px rgba(6,26,51,.08)}
.quiz-top{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:34px}
.quiz-top h2{margin-bottom:10px}
.prog{flex:1 1 200px;max-width:260px;height:8px;background:var(--bg);border-radius:99px;overflow:hidden}
.prog i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--gold),var(--gold-l));transition:width .3s}
.q .qn{font-size:12.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--ink2);margin-bottom:8px;font-family:"Manrope",sans-serif}
.q h3{font-size:clamp(22px,2.4vw,28px);margin:0 0 22px;line-height:1.25}
.opts{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:10px}
.opts button{font:inherit;font-weight:700;font-size:16px;color:var(--navy);background:#fff;border:1.5px solid var(--line);border-radius:14px;padding:18px 16px;text-align:left;cursor:pointer;transition:all .15s;font-family:"Manrope",sans-serif}
.opts button:hover{border-color:var(--gold);background:#FBF6EC}
.opts button.on{background:var(--navy);border-color:var(--navy);color:#fff}
.qnav{margin-top:18px;min-height:24px}
.back{font:inherit;background:none;border:0;color:var(--ink2);font-weight:600;cursor:pointer;padding:4px 0}.back:hover{color:var(--navy)}
.res-head .tag{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;padding:6px 12px;border-radius:999px;margin-bottom:12px;font-family:"Manrope",sans-serif}
.tag.strong{background:#E3F6EA;color:#17733F}.tag.possible{background:#FBF1DC;color:#8A6417}.tag.later,.tag.no{background:#EEF1F5;color:#4A5868}
.res-head h3{font-size:clamp(24px,2.6vw,32px);margin:0 0 8px}.res-head p{color:var(--ink2);margin:0 0 24px;max-width:640px}
.res-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:14px;margin-bottom:26px}
.res-box{background:var(--bg);border-radius:16px;padding:22px}
.res-box small{display:block;font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-d);font-weight:800;margin-bottom:6px;font-family:"Manrope",sans-serif}
.res-box b{display:block;font-family:"Manrope",sans-serif;font-size:30px;font-weight:800;color:var(--navy);letter-spacing:-.03em}
.res-box span{font-size:14px;color:var(--ink2)}
.res-box ul{margin:0;padding-left:18px;color:var(--ink2);font-size:15px}
.res-form{border-top:1px solid var(--line);padding-top:26px}
.quiz .fine{font-size:12px;color:var(--ink2);margin:18px 0 6px}
@media(max-width:700px){.quiz{padding:28px 20px;border-radius:20px}.res-grid{grid-template-columns:1fr}.opts{grid-template-columns:1fr}}
.sbaband{background:radial-gradient(500px 300px at 100% 0%,rgba(201,160,79,.25),transparent 70%),var(--navy-d);border-radius:28px;padding:56px;display:grid;grid-template-columns:1.4fr .6fr;gap:30px;align-items:center;color:#B8C6D6}
.sbaband h2{color:#fff;font-size:clamp(28px,3.2vw,40px)}.sbaband p{margin:0}
.sbab-cta{display:flex;flex-direction:column;gap:10px;align-items:stretch}
@media(max-width:860px){.sbaband{grid-template-columns:1fr;padding:34px 24px}}
.calc-out .sbal{margin:-12px 0 26px;font-size:14px;color:#C9D5E2;border-top:1px solid rgba(255,255,255,.1);padding-top:14px}
.calc-out .sbal b{color:var(--gold-l)}.calc-out .sbal a{color:#fff;font-weight:600}
.quick .sbalink{display:block;margin-top:12px;font-size:13.5px;font-weight:700;color:var(--navy);text-decoration:none}
/* mobile tightening */
@media(max-width:700px){section{padding:68px 0}section.dark{padding:100px 0;clip-path:polygon(0 24px,100% 0,100% calc(100% - 24px),0 100%)}
.grid4{grid-template-columns:1fr 1fr!important;gap:10px}.stat{padding:16px 14px 16px 18px}.stat b{font-size:20px}.stat span{font-size:12.5px}
.page-hero{padding:64px 0 70px}.cta-band{padding:34px 24px}.card{padding:24px}.bento .prod{padding:26px}}

.mode{display:inline-flex;background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:5px;margin-bottom:26px;gap:4px}
.mode button{font:inherit;font-family:"Manrope",sans-serif;font-weight:700;font-size:15px;color:var(--ink2);background:none;border:0;border-radius:999px;padding:11px 20px;cursor:pointer;display:inline-flex;align-items:center;gap:8px;transition:all .15s}
.mode button em{font-style:normal;font-size:10.5px;letter-spacing:.08em;text-transform:uppercase;background:#FBF1DC;color:var(--gold-d);padding:3px 8px;border-radius:999px}
.mode button[aria-selected=true]{background:var(--navy);color:#fff;box-shadow:0 6px 16px rgba(6,26,51,.2)}
.mode button[aria-selected=true] em{background:var(--gold);color:var(--navy-d)}
.calc[data-mode=sba] .calc-out{background:radial-gradient(420px 320px at 100% 0%,rgba(201,160,79,.42),transparent 70%),#0A2547}
.obtns{display:flex;flex-direction:column;gap:10px;align-items:flex-start}
.calc-out .fit b{color:#fff}
@media(max-width:480px){.mode{display:flex}.mode button{flex:1;justify-content:center;padding:11px 10px}.mode button em{display:none}}

.card.feat{margin-bottom:22px;border:1.5px solid var(--gold);background:linear-gradient(120deg,#FBF6EC,#fff 70%)}

.netinc{background:#FBF1DC;border:1px solid #EBCF94;border-left:4px solid var(--gold);border-radius:12px;padding:16px 18px;color:#5A4413;font-size:15px}
.netinc b{color:#3E2E08}
.check.docs li{color:var(--ink)}.check.docs li b{color:var(--navy)}
.res-docs{background:var(--bg);border-radius:16px;padding:22px;margin-bottom:26px}.res-docs .check{margin:10px 0 14px}
.sbadocs{background:#FBF1DC;border-left:4px solid var(--gold);border-radius:10px;padding:14px 16px;font-size:14.5px;color:#5A4413;margin-bottom:14px}

/* ================= MOBILE PASS ================= */
.mbar{display:none}
.quiz-top.compact h2,.quiz-top.compact .sub,.quiz-top.compact .eyebrow{display:none}
.quiz-top.compact{margin-bottom:18px}
.quiz-top.compact .prog{max-width:none}
@media(max-width:760px){
  body{font-size:15.5px}
  .util{display:none}
  .top .wrap{height:64px}.brand img{height:40px}
  nav.main{top:64px}
  .wrap{padding:0 18px}
  section{padding:52px 0}
  section.tight{padding:28px 0}
  section.dark{padding:76px 0;clip-path:polygon(0 18px,100% 0,100% calc(100% - 18px),0 100%)}
  h2{font-size:clamp(27px,7.4vw,32px);line-height:1.12}
  h3{font-size:18px}
  .sub{font-size:16px;margin-bottom:28px}
  .eyebrow{font-size:11.5px;margin-bottom:10px}
  .head-row{margin-bottom:26px;gap:12px}
  /* inner page hero: photo with navy overlay instead of flat black */
  .page-hero{padding:46px 0 50px}
  .page-hero[style]{background:linear-gradient(180deg,rgba(6,26,51,.80),rgba(6,26,51,.94)),var(--img) center/cover}
  .page-hero h1{font-size:clamp(30px,8.4vw,38px);margin-bottom:12px}
  .page-hero p{font-size:16px}
  .page-hero .btn{padding:13px 20px;font-size:15px}
  /* home hero: show the photo behind */
  .split .l{padding:44px 18px 96px;background:linear-gradient(180deg,rgba(6,26,51,.78),rgba(6,26,51,.96) 70%),url("https://images.unsplash.com/photo-1556745753-b2904692b3cd?auto=format&fit=crop&w=900&q=60") center/cover}
  .split h1{font-size:clamp(36px,10vw,44px);margin-bottom:16px}
  .split p.lead{font-size:16.5px;margin-bottom:24px}
  .badge{font-size:12px;margin-bottom:20px}
  .split .ctas .btn{flex:1 1 100%}
  .ticks{margin-top:20px;font-size:13px;gap:8px 16px}
  .strip{margin-top:-56px}.strip .bar div{padding:16px 16px}.strip b{font-size:22px}.strip span{font-size:12.5px;line-height:1.4;display:block}
  /* compact cards: icon beside title */
  .card{padding:18px 18px;border-radius:14px}
  .grid3,.grid2{gap:12px}
  .grid3>.card:has(.icon){display:grid;grid-template-columns:44px 1fr;column-gap:14px;align-items:start}
  .grid3>.card:has(.icon) .icon{grid-row:span 2;width:44px;height:44px;margin:0;border-radius:12px}
  .grid3>.card:has(.icon) h3{margin:2px 0 4px}
  .bento{gap:12px}
  .bento .prod{min-height:0;padding:20px;border-radius:16px}
  .bento .big{min-height:300px}
  .bento .prod .icon{width:42px;height:42px;margin-bottom:12px}
  .bento .prod h3{font-size:21px}
  .bento .prod .go{padding-top:14px}
  .bento .big h3{font-size:26px}
  .why{gap:12px}.why>div{padding:22px}.why .n{font-size:40px;margin-bottom:12px}
  .chipcloud{gap:8px}.chipcloud span{padding:9px 14px;font-size:14px}
  .timeline{gap:30px}.timeline .dot{width:48px;height:48px;font-size:18px;margin-bottom:14px}
  .faq details{padding:16px 18px}.faq summary{font-size:16px}
  .cta-band{padding:28px 22px;border-radius:20px}.cta-band .btn{flex:1 1 100%}
  .cta-band>div:last-child{width:100%}
  /* calculator + quiz */
  .calc{border-radius:20px}.calc-in,.calc-out{padding:24px 20px}
  .calc-out .amt{font-size:36px;margin:6px 0 14px}
  .cf{margin-bottom:20px}.cl output{font-size:19px}
  .mode{margin-bottom:18px}
  .quiz{padding:22px 18px}
  .quiz-top{margin-bottom:20px}
  .q h3{font-size:21px;margin-bottom:16px}
  .opts{gap:8px}.opts button{padding:14px 16px;font-size:15.5px;border-radius:12px}
  .res-box b{font-size:26px}
  .sbaband{padding:28px 22px}
  fieldset{padding:18px 16px 4px}
  .form-card{padding:20px}
  /* footer */
  footer{padding:44px 0 96px}
  footer .cols{grid-template-columns:1fr 1fr;gap:26px 18px}
  footer .cols>div:first-child{grid-column:1/-1}
  footer .legal{flex-direction:column;margin-top:28px}
  /* sticky action bar */
  .mbar{display:flex;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 14px calc(10px + env(safe-area-inset-bottom,0px));background:rgba(255,255,255,.96);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-top:1px solid var(--line);box-shadow:0 -8px 24px rgba(6,26,51,.08)}
  .mbar .btn{padding:13px 16px;font-size:15.5px;box-shadow:none}
  .mbar .btn.gold{flex:1}
  .mbar .btn.navy{flex:0 0 auto}
}

@media(max-width:760px){.pg-apply .mbar{display:none}.pg-apply footer{padding-bottom:28px}}