/* ==========================================================================
   Tigris Finance | design system lifted from go.tigrisfinance.com.au
   Navy #1d1f3e · Teal #257e8a · Orange ticker #de6f34 · Plus Jakarta Sans + Inter
   ========================================================================== */

:root{
  --navy:#1d1f3e;
  --navy-2:#171935;
  --navy-3:#12142c;
  --teal:#257e8a;
  --teal-dark:#1c6570;
  --teal-light:#e6f1f2;
  --orange:#de6f34;
  --ink:#2d2d2d;
  --ink-soft:#585c69;
  --muted:#767b88;
  --bg:#ffffff;
  --bg-soft:#f7fbfb;
  --bg-cream:#faf7f2;
  --line:#e6eaee;
  --line-soft:#eff2f5;
  --black:#000000;

  --r-sm:8px;
  --r:14px;
  --r-lg:22px;
  --r-pill:50px;

  --shadow-sm:0 2px 10px rgba(20,25,45,.05);
  --shadow:0 10px 34px rgba(20,25,45,.08);
  --shadow-lg:0 24px 60px rgba(20,25,45,.13);

  --wrap:1180px;
  --wrap-narrow:820px;
  --header-h:88px;

  --f-display:'Plus Jakarta Sans','Jakarta Sans',system-ui,-apple-system,'Segoe UI',sans-serif;
  --f-body:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;

  --ease:cubic-bezier(.22,.61,.36,1);
}

/* ---------- reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body,h1,h2,h3,h4,h5,p,figure,blockquote,dl,dd,ul,ol{margin:0}
ul[class],ol[class]{list-style:none;padding:0}
.primary-nav ul,.drop ul,.site-footer ul,.side-box ul,.faq-list ul,.contact-list ul,.hero-badges ul{list-style:none;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 20px)}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}
}
body{
  font-family:var(--f-body);
  font-size:17px;
  line-height:1.62;
  color:var(--ink);
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img,svg,video{max-width:100%;height:auto;display:block}
a{color:var(--teal);text-decoration:none;transition:color .2s var(--ease)}
a:hover{color:var(--teal-dark)}
button{font:inherit;cursor:pointer;border:0;background:none;color:inherit}
input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px;border-radius:4px}
.sr-only{position:absolute;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:-9999px;top:0;z-index:200;background:#fff;color:var(--navy);padding:12px 20px;border-radius:0 0 var(--r-sm) 0;font-weight:600}
.skip-link:focus{left:0}

/* ---------- type ---------- */
h1,h2,h3,h4,h5{font-family:var(--f-display);color:var(--ink);line-height:1.12;font-weight:700;letter-spacing:-.015em}
h1{font-size:clamp(2.3rem,5.2vw,3.45rem);line-height:1.06}
h2{font-size:clamp(1.85rem,3.6vw,2.55rem)}
h3{font-size:1.2rem;line-height:1.28}
h4{font-size:1.02rem;line-height:1.3}
h1 em,h2 em,h3 em,.italic{font-style:italic;font-weight:700}
p{margin-bottom:1.15em}
p:last-child{margin-bottom:0}
strong{font-weight:600;color:var(--ink)}
.eyebrow{
  display:block;font-family:var(--f-display);font-weight:600;
  color:var(--teal);font-size:.98rem;letter-spacing:.01em;margin-bottom:.6rem;
}
.lead{font-size:1.13rem;color:var(--ink-soft);line-height:1.62}
.center{text-align:center}
.measure{max-width:var(--wrap-narrow);margin-inline:auto}

/* ---------- layout ---------- */
.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:22px}
.section{padding:clamp(56px,7vw,104px) 0}
.section--tight{padding:clamp(40px,5vw,68px) 0}
.section--soft{background:var(--bg-soft)}
.section--cream{background:var(--bg-cream)}
.section--navy{background:var(--navy);color:#fff}
.section--navy h1,.section--navy h2,.section--navy h3{color:#fff}
.section--navy p{color:rgba(255,255,255,.82)}
.section-head{max-width:760px;margin-bottom:clamp(30px,4vw,52px)}
.section-head.center{margin-inline:auto}
.section-head p{color:var(--ink-soft);margin-top:.85rem}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5em;
  font-family:var(--f-body);font-size:.83rem;font-weight:600;letter-spacing:1px;
  text-transform:uppercase;text-align:center;
  padding:16px 34px;border-radius:var(--r-pill);
  transition:transform .18s var(--ease),background .2s var(--ease),color .2s var(--ease),box-shadow .2s var(--ease);
  border:2px solid transparent;line-height:1.15;
}
.btn:hover{transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn--dark{background:var(--black);color:#fff}
.btn--dark:hover{background:#1c1c1c;color:#fff;box-shadow:0 10px 26px rgba(0,0,0,.22)}
.btn--teal{background:var(--teal);color:#fff}
.btn--teal:hover{background:var(--teal-dark);color:#fff;box-shadow:0 10px 26px rgba(37,126,138,.32)}
.btn--white{background:#fff;color:var(--navy)}
.btn--white:hover{background:#f2f6f7;color:var(--navy)}
.btn--ghost{background:transparent;color:var(--ink);border-color:rgba(45,45,45,.22)}
.btn--ghost:hover{border-color:var(--ink);color:var(--ink);background:rgba(0,0,0,.03)}
.btn--ghost-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn--ghost-light:hover{background:rgba(255,255,255,.12);color:#fff;border-color:#fff}
.btn--sm{padding:12px 24px;font-size:.76rem}
.btn--block{display:flex;width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:1.8rem}
.btn-row.center{justify-content:center}

/* ==========================================================================
   HEADER
   ========================================================================== */
.site-header{
  position:sticky;top:0;z-index:100;background:var(--navy);
  transition:box-shadow .25s var(--ease),background .25s var(--ease);
}
.site-header.is-stuck{box-shadow:0 6px 26px rgba(0,0,0,.28)}
.header-inner{
  display:flex;align-items:center;gap:26px;
  min-height:var(--header-h);padding-block:12px;
}
.brand{display:flex;align-items:center;flex:0 0 auto}
.brand img{height:52px;width:auto}
.primary-nav{margin-left:auto}
.primary-nav>ul{display:flex;align-items:center;gap:4px}
.primary-nav a{
  display:block;padding:10px 14px;border-radius:var(--r-sm);
  color:rgba(255,255,255,.86);font-size:.94rem;font-weight:500;
  transition:color .2s var(--ease),background .2s var(--ease);
}
.primary-nav a:hover,.primary-nav a:focus-visible{color:#fff;background:rgba(255,255,255,.09)}
.primary-nav a[aria-current]{color:#fff}
.primary-nav a[aria-current]::after{
  content:"";display:block;height:2px;background:var(--teal);
  border-radius:2px;margin-top:5px;
}
.header-cta{flex:0 0 auto}
.header-cta .btn{padding:13px 26px}

/* services dropdown */
.has-drop{position:relative}
.drop-toggle,.primary-nav a.drop-toggle{display:flex;align-items:center;gap:6px;width:100%}
.drop-toggle svg{width:12px;height:12px;transition:transform .22s var(--ease);flex:0 0 auto}
.has-drop.is-open .drop-toggle svg{transform:rotate(180deg)}
.drop{
  position:absolute;top:calc(100% + 12px);left:50%;transform:translate(-50%,10px);
  width:min(560px,88vw);background:#fff;border-radius:var(--r);
  box-shadow:var(--shadow-lg);padding:14px;
  display:grid;grid-template-columns:1fr 1fr;gap:2px;
  opacity:0;visibility:hidden;pointer-events:none;
  transition:opacity .2s var(--ease),transform .2s var(--ease),visibility .2s;
}
.has-drop.is-open .drop{opacity:1;visibility:visible;pointer-events:auto;transform:translate(-50%,0)}
.drop a{
  display:block;padding:11px 14px;border-radius:var(--r-sm);
  color:var(--ink);font-size:.93rem;font-weight:500;line-height:1.3;
}
.drop a:hover{background:var(--teal-light);color:var(--teal-dark)}
.drop a.drop-all{display:flex;align-items:center;gap:7px}
.drop .drop-all{grid-column:1/-1;margin-top:6px;border-top:1px solid var(--line);
  padding-top:12px;color:var(--teal);font-weight:600;font-size:.86rem;
  text-transform:uppercase;letter-spacing:.06em}

/* mobile */
.nav-toggle{
  display:none;margin-left:auto;width:44px;height:44px;border-radius:var(--r-sm);
  align-items:center;justify-content:center;color:#fff;
}
.nav-toggle:hover{background:rgba(255,255,255,.1)}
.nav-toggle span{display:block;width:22px;height:2px;background:#fff;position:relative;transition:.2s var(--ease)}
.nav-toggle span::before,.nav-toggle span::after{
  content:"";position:absolute;left:0;width:22px;height:2px;background:#fff;transition:.22s var(--ease);
}
.nav-toggle span::before{top:-7px}
.nav-toggle span::after{top:7px}
.nav-open .nav-toggle span{background:transparent}
.nav-open .nav-toggle span::before{top:0;transform:rotate(45deg)}
.nav-open .nav-toggle span::after{top:0;transform:rotate(-45deg)}

@media (max-width:1020px){
  .brand img{height:44px}
  .nav-toggle{display:flex}
  .primary-nav{
    position:fixed;inset:var(--header-h) 0 0;background:var(--navy-2);
    margin:0;padding:22px;overflow-y:auto;
    transform:translateX(100%);transition:transform .3s var(--ease);
    visibility:hidden;
  }
  .nav-open .primary-nav{transform:none;visibility:visible}
  .primary-nav>ul{flex-direction:column;align-items:stretch;gap:2px}
  .primary-nav a{padding:14px 12px;font-size:1.05rem;border-bottom:1px solid rgba(255,255,255,.08)}
  .primary-nav a[aria-current]::after{display:none}
  .has-drop .drop{
    position:static;transform:none;width:auto;box-shadow:none;background:rgba(255,255,255,.05);
    grid-template-columns:1fr;opacity:1;visibility:visible;pointer-events:auto;
    display:none;padding:6px;margin:4px 0 10px;
  }
  .has-drop.is-open .drop{display:grid;transform:none}
  .drop a{color:rgba(255,255,255,.85);border:0}
  .drop a:hover{background:rgba(255,255,255,.1);color:#fff}
  .drop .drop-all{border-color:rgba(255,255,255,.15);color:#fff}
  .header-cta{display:none}
  .primary-nav .mobile-cta{display:block;margin-top:20px}
  .primary-nav .mobile-cta .btn{width:100%}
}
@media (min-width:1021px){.primary-nav .mobile-cta{display:none}}
body.nav-open{overflow:hidden}

/* ==========================================================================
   HERO (home)
   ========================================================================== */
.hero{
  position:relative;background:var(--bg-soft);
  padding:clamp(44px,5.4vw,80px) 0 clamp(56px,6vw,90px);
  overflow:hidden;
}
.hero::after{
  content:"";position:absolute;inset:auto 0 0;height:1px;background:var(--line-soft);
}
.hero-grid{display:grid;grid-template-columns:1.03fr .97fr;gap:clamp(28px,4vw,58px);align-items:center}
.hero-kicker{
  font-family:var(--f-display);font-weight:400;font-size:1.02rem;line-height:1.4;
  color:var(--teal);margin-bottom:.7rem;
}
.hero-kicker strong{color:var(--teal);font-weight:700}
.hero-copy h1{margin-bottom:1rem;font-weight:400}
.hero-copy h1 em{font-style:italic;font-weight:700}
.hero-copy .lead strong{color:var(--ink);font-weight:600}
.hero-copy .lead em{font-style:italic}
.hero-copy .lead{max-width:32ch}
.hero-badges{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:2rem;max-width:600px}
.hero-badge{
  background:var(--teal-dark);color:#fff;font-family:var(--f-display);
  font-weight:600;font-size:.92rem;line-height:1.25;
  padding:14px 18px;border-radius:var(--r-pill);text-align:center;
  display:flex;align-items:center;justify-content:center;gap:.45em;
  box-shadow:0 2px 10px rgba(28,101,112,.22);
}
.hero-badge svg{color:#fff;opacity:.95}
.hero-badge .stars{color:#ffd166}
.hero-badge svg{width:15px;height:15px;flex:0 0 auto}
.hero-badge .stars{letter-spacing:1px;font-size:.86em;line-height:1}
@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr}
  .hero-copy .lead{max-width:none}
  .hero-badges{grid-template-columns:1fr 1fr;max-width:none}
}
@media (max-width:520px){.hero-badges{grid-template-columns:1fr}}

/* ---------- enquiry form card ---------- */
.form-card{
  background:var(--teal);border-radius:var(--r-lg);padding:clamp(24px,3vw,34px);
  box-shadow:var(--shadow-lg);color:#fff;position:relative;
}
.form-card h2{color:#fff;font-size:1.62rem;text-align:center;margin-bottom:.4rem;font-weight:600}
.form-card .form-sub{text-align:center;color:rgba(255,255,255,.85);font-size:.94rem;margin-bottom:1.3rem}
.form-progress{display:flex;gap:6px;margin-bottom:1.4rem}
.form-progress i{flex:1;height:4px;border-radius:4px;background:rgba(255,255,255,.28);transition:background .3s var(--ease)}
.form-progress i.done{background:#fff}
.fstep{display:none}
.fstep.is-active{display:block;animation:fadeUp .3s var(--ease) both}
@keyframes fadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.flabel{
  display:block;font-family:var(--f-display);font-weight:600;font-size:.98rem;
  color:#fff;margin-bottom:.65rem;line-height:1.35;
}
.flabel .req{color:#ffd9c6}
.fgroup{margin-bottom:1.15rem}
.chipset{display:flex;flex-wrap:wrap;gap:9px}
.chip{position:relative}
.chip{cursor:pointer}
.chip input{position:absolute;opacity:0;width:1px;height:1px;left:8px;top:50%;margin:0;pointer-events:none}
.chip span{
  display:block;background:#fff;color:var(--ink);border-radius:var(--r-sm);
  padding:11px 16px;font-size:.9rem;font-weight:500;line-height:1.2;
  border:2px solid #fff;transition:.18s var(--ease);
}
.chip input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.chip input:focus-visible+span{outline:3px solid #fff;outline-offset:2px}
.chip:hover span{transform:translateY(-1px)}
.finput,.fselect{
  width:100%;background:#fff;border:2px solid #fff;border-radius:var(--r-sm);
  padding:13px 15px;font-size:.98rem;color:var(--ink);transition:border-color .18s var(--ease);
}
.fselect{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232d2d2d' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;background-size:16px;padding-right:42px}
.finput::placeholder{color:#9aa0ab}
.finput:focus,.fselect:focus{outline:none;border-color:var(--navy)}
.finput.err,.fselect.err{border-color:#ffb4a0}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:480px){.frow{grid-template-columns:1fr}}
.fradio{display:flex;gap:10px}
.fradio .chip span{min-width:76px;text-align:center}
.fmsg{
  display:none;background:#fff4ef;border:1px solid #ffb99b;border-radius:var(--r-sm);
  padding:11px 14px;font-size:.88rem;margin-bottom:1rem;color:#a4380f;font-weight:500;
}
.fmsg.show{display:block}
.fnav{display:flex;gap:10px;justify-content:space-between;align-items:center;margin-top:1.5rem}
.fnav .btn{flex:1}
.fnav .btn--back{flex:0 0 auto;padding-inline:24px}
.form-fine{margin-top:1rem;font-size:.79rem;color:rgba(255,255,255,.75);text-align:center;line-height:1.5}
.form-done{display:none;text-align:center;padding:26px 6px}
.form-done.show{display:block;animation:fadeUp .35s var(--ease) both}
.form-done .tick{
  width:64px;height:64px;border-radius:50%;background:#fff;color:var(--teal);
  display:flex;align-items:center;justify-content:center;margin:0 auto 18px;
}
.form-done .tick svg{width:32px;height:32px}
.form-done h3{color:#fff;font-size:1.5rem;margin-bottom:.6rem}
.form-done p{color:rgba(255,255,255,.88)}

/* ==========================================================================
   MARQUEES
   ========================================================================== */
.marquee{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}
.marquee+.marquee{margin-top:10px}
.marquee-track{display:flex;width:max-content;align-items:center;gap:52px;animation:scrollX 46s linear infinite}
.marquee--rev .marquee-track{animation-direction:reverse}
.marquee:hover .marquee-track{animation-play-state:paused}
@keyframes scrollX{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.lender-logo{height:40px;width:auto;object-fit:contain;transition:transform .25s var(--ease)}
.marquee-track img:hover{transform:scale(1.06)}
.lenders-head{text-align:center;margin-bottom:26px}
.lenders-head h2{font-size:clamp(1.25rem,2.4vw,1.72rem);font-weight:700;color:var(--ink)}

/* orange text ticker */
.ticker{background:var(--orange);color:#fff;overflow:hidden;padding:14px 0}
.ticker-track{display:flex;width:max-content;gap:0;animation:scrollX 38s linear infinite}
.ticker-track span{
  font-family:var(--f-body);font-weight:600;font-size:.82rem;letter-spacing:1.3px;
  text-transform:uppercase;padding:0 22px;white-space:nowrap;display:flex;align-items:center;gap:22px;
}
.ticker-track span::after{content:"";width:5px;height:5px;border-radius:50%;background:rgba(255,255,255,.75)}
.ticker:hover .ticker-track{animation-play-state:paused}

/* ==========================================================================
   CARDS / GRIDS
   ========================================================================== */
.grid{display:grid;gap:22px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-5{grid-template-columns:repeat(5,1fr)}
@media (max-width:980px){.grid-3,.grid-5{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){.grid-2,.grid-3,.grid-5{grid-template-columns:1fr}}

.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--r);
  padding:26px;box-shadow:var(--shadow-sm);
  transition:transform .22s var(--ease),box-shadow .22s var(--ease),border-color .22s var(--ease);
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#d8e2e4}
.card h3{margin-bottom:.55rem}
.card p{color:var(--ink-soft);font-size:.96rem;margin-bottom:0}

/* step cards */
.step-card{text-align:center;padding:26px 20px}
.step-card .num{
  font-family:var(--f-display);font-size:1.65rem;font-weight:700;
  color:var(--ink);display:block;line-height:1;margin-bottom:.35rem;
}
.step-card h3{font-size:1.08rem;font-weight:600;margin-bottom:.5rem}
.step-card p{font-size:.88rem;line-height:1.5}

/* service cards */
.svc-card{display:flex;flex-direction:column;text-align:center;padding:30px 24px;height:100%}
.svc-icon{
  width:76px;height:76px;border-radius:50%;background:var(--navy);
  display:flex;align-items:center;justify-content:center;margin:0 auto 18px;flex:0 0 auto;
  transition:transform .25s var(--ease);
}
.svc-card:hover .svc-icon{transform:scale(1.06)}
.svc-icon svg{width:34px;height:34px;stroke:var(--teal);fill:none;stroke-width:1.7}
.svc-card h3{color:var(--teal);font-size:1.14rem;font-weight:700;margin-bottom:.5rem}
.svc-card p{flex:1;font-size:.94rem;text-align:left}
.svc-card .more{
  margin-top:16px;font-size:.78rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;
  color:var(--teal);display:inline-flex;align-items:center;gap:.4em;justify-content:center;
}
.svc-card .more svg{width:13px;height:13px;transition:transform .2s var(--ease)}
.svc-card:hover .more svg{transform:translateX(4px)}
a.svc-card{color:inherit}
a.svc-card:hover{color:inherit}

/* ==========================================================================
   SPLIT / MEDIA
   ========================================================================== */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,5vw,64px);align-items:center}
.split--rev .split-media{order:-1}
.tick-list{list-style:none;padding:0;margin:1.3rem 0 0;display:flex;flex-direction:column;gap:.55rem}
.tick-list li{display:flex;align-items:flex-start;gap:11px;font-size:1rem;color:var(--ink);font-weight:500}
.tick-list li svg{color:var(--teal);flex:0 0 auto;margin-top:4px}
@media (max-width:900px){.split{grid-template-columns:1fr}.split--rev .split-media{order:0}}
.framed{
  border:10px solid var(--teal);border-radius:var(--r-lg);overflow:hidden;
  box-shadow:var(--shadow);background:var(--teal);
}
.framed img{width:100%;border-radius:12px;display:block}
.rounded{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow)}
.rounded img{width:100%}
.rounded--tall{height:100%;min-height:420px}
.rounded--tall img{height:100%;object-fit:cover}
@media (max-width:900px){.rounded--tall{min-height:280px}}

/* ==========================================================================
   BANDS
   ========================================================================== */
.band-teal{
  background:var(--teal);border-radius:var(--r-lg);color:#fff;
  padding:clamp(28px,4vw,44px) clamp(24px,4vw,48px);
  display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap;
}
.band-teal h2{color:#fff;font-weight:400;font-size:clamp(2rem,4.4vw,3.1rem);letter-spacing:-.02em;margin-bottom:.35rem}
.band-teal p{color:rgba(255,255,255,.9);font-size:.98rem;line-height:1.45}
.band-teal .btn{flex:0 0 auto}

.promise{text-align:center;max-width:760px;margin-inline:auto}
.promise h2{font-size:clamp(1.9rem,4vw,2.7rem);font-weight:600;margin-bottom:.7rem}
.promise p{color:var(--ink-soft)}

/* ==========================================================================
   FAQ ACCORDION
   ========================================================================== */
.faq-list{display:flex;flex-direction:column;gap:10px}
.faq-item{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);
  overflow:hidden;transition:border-color .2s var(--ease),box-shadow .2s var(--ease);
}
.faq-item[open]{border-color:#cfdde0;box-shadow:var(--shadow-sm)}
.faq-item summary{
  display:flex;align-items:center;justify-content:space-between;gap:18px;
  padding:17px 20px;cursor:pointer;list-style:none;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary h3{
  font-family:var(--f-body);font-size:.97rem;font-weight:500;color:var(--ink);
  line-height:1.4;margin:0;letter-spacing:0;
}
.faq-toggle{flex:0 0 auto;width:20px;height:20px;color:var(--ink);position:relative}
.faq-toggle::before,.faq-toggle::after{
  content:"";position:absolute;left:50%;top:50%;background:currentColor;border-radius:2px;
  transform:translate(-50%,-50%);transition:transform .25s var(--ease),opacity .2s var(--ease);
}
.faq-toggle::before{width:14px;height:2px}
.faq-toggle::after{width:2px;height:14px}
.faq-item[open] .faq-toggle::after{transform:translate(-50%,-50%) rotate(90deg);opacity:0}
.faq-answer{padding:0 20px 20px;color:var(--ink-soft);font-size:.96rem}
.faq-answer p{margin-bottom:.8em}
.faq-item summary:hover{background:var(--bg-soft)}

/* ==========================================================================
   PAGE HERO (inner pages)
   ========================================================================== */
.page-hero{
  background:var(--navy);color:#fff;position:relative;overflow:hidden;
  padding:clamp(46px,6vw,84px) 0 clamp(46px,6vw,80px);
}
.page-hero::before{
  content:"";position:absolute;inset:0;opacity:.16;
  background-image:var(--hero-img);background-size:cover;background-position:center;
}
.page-hero::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(29,31,62,.96) 30%,rgba(29,31,62,.6) 100%);
}
.page-hero>*{position:relative;z-index:2}
.page-hero h1{color:#fff;max-width:20ch}
.page-hero .eyebrow{color:#7fd0d9}
.page-hero .lead{color:rgba(255,255,255,.85);max-width:62ch;margin-top:1rem;font-size:1.1rem}
.page-hero .btn-row{margin-top:2rem}
.breadcrumb{
  display:flex;flex-wrap:wrap;align-items:center;gap:8px;
  font-size:.83rem;color:rgba(255,255,255,.6);margin-bottom:1.1rem;
}
.breadcrumb a{color:rgba(255,255,255,.78)}
.breadcrumb a:hover{color:#fff}
.breadcrumb .sep{opacity:.5}
.breadcrumb [aria-current]{color:#fff}

/* ==========================================================================
   ARTICLE + SIDEBAR
   ========================================================================== */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:clamp(30px,4vw,56px);align-items:start}
@media (max-width:940px){.layout{grid-template-columns:1fr}}
.prose{font-size:1.02rem;color:var(--ink-soft)}
.prose h2{
  font-size:clamp(1.42rem,2.4vw,1.8rem);color:var(--ink);
  margin:2.1em 0 .7em;line-height:1.2;
}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.14rem;color:var(--ink);margin:1.7em 0 .5em}
.prose p{margin-bottom:1.15em}
.prose ul{list-style:none;padding:0;margin:0 0 1.5em}
.prose ul li{position:relative;padding-left:28px;margin-bottom:.6em;line-height:1.55}
.prose ul li::before{
  content:"";position:absolute;left:4px;top:.62em;width:8px;height:8px;
  border-radius:50%;background:var(--teal);
}
.prose ol{padding-left:22px;margin:0 0 1.5em}
.prose ol li{margin-bottom:.6em;padding-left:6px}
.prose a{text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px}
.prose strong{color:var(--ink)}
.founder-inline{
  display:flex;gap:26px;align-items:flex-start;background:var(--bg-soft);
  border:1px solid var(--line);border-radius:var(--r);padding:24px;margin:1.5em 0 2em;
}
.founder-inline img{width:150px;border-radius:var(--r-sm);flex:0 0 auto}
@media (max-width:600px){.founder-inline{flex-direction:column}.founder-inline img{width:130px}}

.sidebar{position:sticky;top:calc(var(--header-h) + 22px);display:flex;flex-direction:column;gap:20px}
@media (max-width:940px){.sidebar{position:static}}
.side-box{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--shadow-sm)}
.side-box h4{
  font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;
  color:var(--muted);margin-bottom:14px;font-family:var(--f-body);font-weight:600;
}
.side-nav li a{
  display:block;padding:9px 12px;border-radius:var(--r-sm);color:var(--ink);
  font-size:.93rem;font-weight:500;line-height:1.3;
}
.side-nav li a:hover{background:var(--teal-light);color:var(--teal-dark)}
.side-nav li.active a{background:var(--navy);color:#fff}
.side-cta{background:var(--teal);border-color:var(--teal);color:#fff}
.side-cta h4{color:rgba(255,255,255,.75)}
.side-cta p{color:rgba(255,255,255,.9);font-size:.92rem;margin-bottom:1rem}
.side-cta .side-title{font-family:var(--f-display);font-weight:700;font-size:1.2rem;margin-bottom:.5rem;color:#fff}
.side-contact li{display:flex;gap:11px;align-items:flex-start;padding:8px 0;font-size:.93rem;color:var(--ink-soft)}
.side-contact li svg{width:17px;height:17px;color:var(--teal);flex:0 0 auto;margin-top:3px}
.side-contact a{color:var(--ink);font-weight:500}
.side-contact a:hover{color:var(--teal)}

/* benefit list */
.benefits{display:flex;flex-direction:column;gap:16px}
.benefit{
  background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);
  border-radius:var(--r-sm);padding:20px 24px;box-shadow:var(--shadow-sm);
}
.benefit h3{font-family:var(--f-body);font-size:1rem;font-weight:600;color:var(--ink);margin-bottom:.35rem;letter-spacing:0}
.benefit p{color:var(--ink-soft);font-size:.95rem;margin:0}

/* related services */
.related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media (max-width:860px){.related-grid{grid-template-columns:1fr}}
.related-card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;
  box-shadow:var(--shadow-sm);transition:transform .2s var(--ease),box-shadow .2s var(--ease)}
.related-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.related-card h3{font-size:1.05rem;color:var(--teal);margin-bottom:.4rem}
.related-card p{color:var(--ink-soft);font-size:.92rem;margin:0}

/* ==========================================================================
   PROCESS TIMELINE
   ========================================================================== */
.timeline{position:relative;display:flex;flex-direction:column;gap:0}
.tl-item{display:grid;grid-template-columns:96px 1fr;gap:26px;padding-bottom:38px;position:relative}
.tl-item:last-child{padding-bottom:0}
.tl-item::before{
  content:"";position:absolute;left:47px;top:70px;bottom:-6px;width:2px;
  background:linear-gradient(180deg,var(--teal),rgba(37,126,138,.15));
}
.tl-item:last-child::before{display:none}
.tl-num{
  width:94px;height:94px;border-radius:50%;background:var(--navy);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--f-display);font-size:1.6rem;font-weight:700;flex:0 0 auto;position:relative;z-index:1;
}
.tl-body{padding-top:14px}
.tl-body h3{font-size:1.32rem;margin-bottom:.5rem}
.tl-body p{color:var(--ink-soft)}
.tl-body ul{list-style:none;padding:0;margin:.9rem 0 0}
.tl-body ul li{position:relative;padding-left:24px;margin-bottom:.45em;color:var(--ink-soft);font-size:.95rem}
.tl-body ul li::before{content:"";position:absolute;left:2px;top:.6em;width:7px;height:7px;border-radius:50%;background:var(--teal)}
@media (max-width:620px){
  .tl-item{grid-template-columns:66px 1fr;gap:18px}
  .tl-num{width:64px;height:64px;font-size:1.2rem}
  .tl-item::before{left:32px;top:52px}
  .tl-body{padding-top:4px}
}

/* ==========================================================================
   FAQ PAGE
   ========================================================================== */
.faq-tools{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-bottom:30px}
.faq-search{position:relative;flex:1 1 300px;max-width:420px}
.faq-search input{
  width:100%;padding:14px 16px 14px 44px;border:1px solid var(--line);
  border-radius:var(--r-pill);background:#fff;font-size:.96rem;
}
.faq-search input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(37,126,138,.14)}
.faq-search svg{position:absolute;left:16px;top:50%;transform:translateY(-50%);width:18px;height:18px;color:var(--muted)}
.faq-filters{display:flex;flex-wrap:wrap;gap:8px}
.faq-filters button{
  padding:9px 16px;border-radius:var(--r-pill);border:1px solid var(--line);
  background:#fff;font-size:.84rem;font-weight:500;color:var(--ink-soft);transition:.18s var(--ease);
}
.faq-filters button:hover{border-color:var(--teal);color:var(--teal)}
.faq-filters button[aria-pressed="true"]{background:var(--navy);border-color:var(--navy);color:#fff}
.faq-group{margin-bottom:36px}
.faq-group>h2{font-size:1.35rem;margin-bottom:14px;display:flex;align-items:center;gap:10px}
.faq-group>h2 .count{font-family:var(--f-body);font-size:.78rem;font-weight:600;color:var(--muted);
  background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--r-pill);padding:3px 10px;letter-spacing:0}
.faq-empty{display:none;text-align:center;padding:40px;color:var(--muted)}
.faq-empty.show{display:block}
mark{background:#fff2b8;color:inherit;padding:0 1px;border-radius:2px}

/* ==========================================================================
   CONTACT
   ========================================================================== */
.contact-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:clamp(30px,4vw,56px);align-items:start}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}}
.contact-list{display:flex;flex-direction:column;gap:4px;margin-top:1.6rem}
.contact-row{display:flex;gap:16px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--line)}
.contact-row:last-child{border-bottom:0}
.contact-row .ic{
  width:42px;height:42px;border-radius:50%;background:var(--teal-light);color:var(--teal);
  display:flex;align-items:center;justify-content:center;flex:0 0 auto;
}
.contact-row .ic svg{width:19px;height:19px}
.contact-row .k{font-size:.74rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:600}
.contact-row .v{font-family:var(--f-display);font-size:1.08rem;font-weight:600;color:var(--ink)}
.contact-row .v a{color:var(--ink)}
.contact-row .v a:hover{color:var(--teal)}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.site-footer{background:var(--navy);color:rgba(255,255,255,.72);padding:clamp(48px,6vw,76px) 0 0;font-size:.93rem}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:36px}
@media (max-width:900px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}}
.footer-brand img{height:52px;margin-bottom:18px}
.footer-brand p{color:rgba(255,255,255,.62);font-size:.9rem;line-height:1.6;max-width:34ch}
.site-footer h4{
  font-family:var(--f-body);font-size:.74rem;text-transform:uppercase;letter-spacing:.12em;
  color:#fff;margin-bottom:16px;font-weight:600;
}
.site-footer ul li{margin-bottom:9px}
.site-footer a{color:rgba(255,255,255,.72)}
.site-footer a:hover{color:#fff}
.footer-contact li{display:flex;gap:10px;align-items:flex-start;margin-bottom:11px}
.footer-contact svg{width:16px;height:16px;color:var(--teal);flex:0 0 auto;margin-top:3px}
.footer-legal{
  margin-top:clamp(36px,5vw,56px);border-top:1px solid rgba(255,255,255,.12);
  padding:24px 0;font-size:.79rem;color:rgba(255,255,255,.5);line-height:1.65;
}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.12);padding:18px 0;
  display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;align-items:center;
  font-size:.82rem;color:rgba(255,255,255,.55);
}
.footer-bottom nav{display:flex;gap:18px;flex-wrap:wrap}

/* back to top */
.to-top{
  position:fixed;right:20px;bottom:20px;z-index:80;width:46px;height:46px;border-radius:50%;
  background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;
  box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(10px);
  transition:.25s var(--ease);
}
.to-top.show{opacity:1;visibility:visible;transform:none}
.to-top:hover{background:var(--teal);color:#fff}
.to-top svg{width:19px;height:19px}

/* reveal */
[data-reveal]{opacity:0;transform:translateY(14px);transition:opacity .4s var(--ease),transform .4s var(--ease)}
[data-reveal].in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){[data-reveal]{opacity:1;transform:none}}

/* print */
@media print{
  .site-header,.site-footer,.to-top,.form-card,.ticker,.marquee{display:none!important}
  body{font-size:12pt;color:#000}
}