:root {
  --bg: #0a1714;
  /* Aliases for inline CTA blocks */
  --color-surface: var(--panel);
  --color-primary: var(--accent);
  --panel: #0f1f1b;
  --panel-2: #13261f;
  --text: #eaf3ee;
  --muted: #9fb6ab;
  --line: rgba(255,255,255,0.12);
  --accent: #19cf8f;
  --accent-2: #cdeede;
  --gold: #f3c969;
  --surface: #ffffff;
  --surface-text: #162033;
  --surface-muted: #5f6f8b;
  --max: 1500px;
  --radius: 20px;
  --shadow: 0 18px 50px rgba(0,0,0,0.22);
  --section-padding: 4.2rem;
  --section-padding-mobile: 2.5rem;
  --hero-padding-y: 4rem;
  --hero-padding-y-mobile: 2.5rem;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, system-ui, sans-serif;
  color: var(--text);
  background:
    radial-gradient(circle at top right, rgba(243,201,105,0.06), transparent 42%),
    radial-gradient(circle at top left, rgba(25,207,143,0.16), transparent 32%),
    linear-gradient(180deg, #0a1714 0%, #0f231d 100%);
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
.container { width: min(var(--max), calc(100% - 2rem)); margin: 0 auto; padding: 0 1rem; }

.breadcrumb {
  padding: 0.75rem 0;
  font-size: 0.875rem;
  color: var(--muted);
  border-bottom: 1px solid var(--line);
}
.breadcrumb .container { display: flex; align-items: center; flex-wrap: wrap; gap: 0.35rem; }
.breadcrumb a { color: var(--accent); }
.breadcrumb a:hover { color: var(--accent-2); text-decoration: underline; }
.breadcrumb .sep { color: var(--muted); opacity: 0.7; user-select: none; }
.breadcrumb [aria-current="page"] { color: var(--text); font-weight: 500; }

.quick-answer {
  padding: 1rem 1.25rem;
  margin-bottom: 1.25rem;
  background: rgba(25,207,143,0.08);
  border: 1px solid rgba(25,207,143,0.25);
  border-radius: var(--radius);
  font-size: 0.95rem;
  line-height: 1.6;
}
.quick-answer p { margin: 0; color: var(--accent-2); }
.quick-answer strong { color: var(--text); }

.opt-table {
  width: 100%;
  border-collapse: collapse;
  margin: 1.25rem 0;
  font-size: 0.95rem;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--line);
}
.opt-table th, .opt-table td {
  padding: 0.85rem 1rem;
  text-align: left;
  border-bottom: 1px solid var(--line);
}
.opt-table th {
  background: rgba(255,255,255,0.08);
  color: var(--text);
  font-weight: 600;
}
.opt-table td { color: var(--muted); }
.opt-table tr:last-child td { border-bottom: 0; }
.opt-table tr:hover td { background: rgba(255,255,255,0.03); }

.glossary-term { margin-bottom: 2rem; }
.glossary-term h3 { font-size: 1.15rem; margin-bottom: 0.5rem; color: var(--accent-2); }
.glossary-term p { margin: 0; color: var(--muted); line-height: 1.65; }

.last-updated { font-size: 0.85rem; color: var(--muted); margin: 0 0 1rem; }
.key-takeaways { padding: 1.25rem; margin: 1.5rem 0; background: rgba(255,255,255,0.06); border: 1px solid var(--line); border-radius: var(--radius); }
.key-takeaways h3 { font-size: 1rem; margin-bottom: 0.75rem; color: var(--accent-2); }
.key-takeaways ul { margin: 0; padding-left: 1.25rem; color: var(--muted); font-size: 0.95rem; line-height: 1.6; }
.key-takeaways li { margin-bottom: 0.4rem; }
.definition-block { padding: 0.75rem 0; margin: 0.5rem 0 1rem; border-left: 3px solid var(--accent); padding-left: 1rem; margin-left: 0; }
.definition-block p { margin: 0; color: var(--muted); font-size: 0.95rem; line-height: 1.6; }

.site-header {
  position: sticky;
  top: 0;
  width: 100%;
  backdrop-filter: blur(20px);
  background: rgba(10,23,20,0.95);
  border-bottom: 1px solid rgba(255,255,255,0.05);
  z-index: 20;
}
.site-header .container {
  width: 100%;
  max-width: none;
  margin: 0;
  padding: 0 2rem;
  box-sizing: border-box;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 80px;
  gap: 2rem;
  width: 100%;
}
.nav nav {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  flex-wrap: wrap;
  flex: 1;
  justify-content: flex-end;
}
.nav nav > a:not(.btn) {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--muted);
  padding: 0.55rem 0.85rem;
  border-radius: 6px;
  transition: color 0.2s, background 0.2s;
}
.nav nav > a:not(.btn):hover { color: var(--text); background: rgba(255,255,255,0.05); }

/* Mobile hamburger (toggle + drawer; shown only ≤720px via media query) */
.nav-toggle {
  display: none;
}
.nav-backdrop {
  position: fixed;
  inset: 0;
  z-index: 998;
  background: rgba(0, 0, 0, 0.5);
  backdrop-filter: blur(3px);
  border: 0;
  padding: 0;
  margin: 0;
  cursor: pointer;
}
.nav-backdrop[hidden] {
  display: none !important;
}

.brand {
  font-weight: 600;
  letter-spacing: -0.02em;
  display: flex;
  align-items: center;
  gap: 1rem;
  text-decoration: none;
  color: inherit;
  flex-shrink: 0;
}
.brand img { display: block; flex-shrink: 0; }
.brand-text { display: flex; flex-direction: column; gap: 0.12rem; line-height: 1.3; }
.brand-name { font-size: 1.05rem; font-weight: 600; color: var(--text); letter-spacing: -0.01em; }
.brand-tagline { font-size: 0.68rem; font-weight: 500; color: var(--muted); opacity: 0.85; text-transform: lowercase; letter-spacing: 0.05em; }

.hero { padding: var(--hero-padding-y) 0; }
.hero-main { max-width: 72ch; margin-left: auto; margin-right: auto; text-align: center; }
.hero-main h1,
.hero-main .lead { margin-left: auto; margin-right: auto; }
.hero-main .hero-actions { justify-content: center; }
.hero-main .hero-points { text-align: left; display: inline-block; margin-left: auto; margin-right: auto; }
.hero-main .quick-answer { text-align: left; }
.hero.compact { padding-top: var(--hero-padding-y); }
.hero-single .hero-grid { grid-template-columns: 1fr; }
.hero-single .hero-main { max-width: 100%; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.25fr 0.75fr;
  gap: 2.5rem;
  align-items: center;
}
.eyebrow {
  display: inline-block;
  margin: 0 0 0.75rem;
  color: var(--gold);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-size: 0.78rem;
}
h1, h2, h3 { line-height: 1.08; margin: 0 0 0.75rem; letter-spacing: -0.03em; }
h1 { font-size: clamp(2.4rem, 5.5vw, 4.2rem); max-width: 14ch; font-weight: 800; }
h2 { font-size: clamp(1.7rem, 3vw, 2.7rem); max-width: 18ch; }
h3 { font-size: 1.1rem; }
.lead { font-size: 1.08rem; color: var(--muted); max-width: 62ch; }
.hero-actions, .cta-stack {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
  margin-top: 1.5rem;
  align-items: center;
}
.hero-actions .btn-primary,
.cta-stack .btn-primary {
  order: -1;
}
.hero-points, .plain-list, .check-list {
  margin: 1.25rem 0 0;
  padding-left: 1.1rem;
  color: var(--muted);
}
.section .container > .check-list {
  max-width: 72ch;
  margin-left: auto;
  margin-right: auto;
}
.hero-card, .card, .list-card, .trust-box, .referral-form {
  background: rgba(255,255,255,0.07);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.hero-card {
  padding: 1.5rem;
}
.hero-card-intro {
  font-size: 0.95rem;
  color: var(--muted);
  margin: 0 0 1rem;
  line-height: 1.5;
}
.mini-stat {
  padding: 0.95rem 0;
  border-top: 1px solid var(--line);
  color: var(--accent-2);
}
.mini-stat:first-of-type { border-top: 0; }
.hero-card-list {
  margin: 0;
  padding-left: 1.1rem;
  color: var(--accent-2);
  font-size: 0.95rem;
  line-height: 1.6;
}
.hero-card-list li { margin-bottom: 0.5rem; }

.section { padding: 2rem 0 var(--section-padding); }
.section.alt { background: rgba(255,255,255,0.06); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-heading { margin-bottom: 1.5rem; text-align: center; }
.section-heading h2 { margin-left: auto; margin-right: auto; }
.section-desc {
  font-size: 1rem;
  color: var(--muted);
  max-width: 72ch;
  margin: 0.5rem auto 0;
  line-height: 1.6;
  text-align: center;
}
.info-content {
  max-width: 72ch;
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}
.info-content ul { text-align: left; display: inline-block; margin-left: auto; margin-right: auto; }
.info-content p {
  margin: 0 0 1rem;
  color: var(--muted);
  line-height: 1.65;
}
.info-content p:last-child { margin-bottom: 0; }
.info-content ul { margin: 1rem 0; }
.article-body {
  max-width: 72ch;
  margin-left: auto;
  margin-right: auto;
  color: var(--muted);
  line-height: 1.7;
}
.article-body p { margin: 0 0 1.25rem; }
.article-body h2 { margin: 2.5rem 0 1rem; font-size: 1.5rem; color: var(--text); }
.article-body h3 { margin: 1.75rem 0 0.75rem; font-size: 1.15rem; color: var(--accent-2); }
.article-body ul, .article-body ol { margin: 1rem 0; padding-left: 1.5rem; }
.article-body li { margin-bottom: 0.5rem; }
.article-body a { color: var(--accent); text-decoration: underline; text-underline-offset: 3px; }
.article-body a:hover { color: var(--accent-2); }
.article-meta { font-size: 0.9rem; color: var(--muted); margin-bottom: 1.5rem; }
.blog-date { font-size: 0.85rem; color: var(--muted); margin-bottom: 0.5rem; }
.blog-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(min(320px, 100%), 1fr)); gap: 1.5rem; }
.blog-card { padding: 1.5rem; background: rgba(255,255,255,0.07); border: 1px solid var(--line); border-radius: var(--radius); }
.blog-card h3 { margin-bottom: 0.5rem; }
.blog-card p { color: var(--muted); margin: 0; font-size: 0.95rem; line-height: 1.5; }
.blog-card a { color: inherit; }
.blog-card a:hover { color: var(--accent); }
.blog-page main .container { width: min(1400px, calc(100% - 2rem)); }
.blog-page .section-heading { text-align: center; }
.blog-page .section-heading h2 { margin-left: auto; margin-right: auto; }
.blog-page .hero-main { text-align: center; }
.blog-page .hero-main h1 { margin-left: auto; margin-right: auto; }
.blog-page .hero-main .lead { margin-left: auto; margin-right: auto; text-align: center; }
.blog-page .article-body { max-width: 85ch; margin-left: auto; margin-right: auto; text-align: left; }
.blog-page .blog-grid { max-width: 1200px; margin-left: auto; margin-right: auto; }
.hero-note {
  font-size: 0.9rem;
  color: var(--muted);
  margin: 1rem 0 0;
  font-style: italic;
}
.steps-list {
  margin: 1rem 0;
  padding-left: 1.5rem;
  color: var(--muted);
}
.steps-list li { margin-bottom: 0.75rem; line-height: 1.5; }
.cta-note {
  font-size: 0.9rem;
  color: var(--muted);
  margin: 0.75rem 0 0;
  grid-column: 1 / -1;
}
.agreement-cta {
  margin-top: 1.25rem;
  text-align: center;
}
.agreement-highlight {
  background: rgba(25,207,143,0.06);
  border: 1px solid rgba(25,207,143,0.2);
}
.agreement-download-card {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 2rem;
  align-items: center;
  padding: 2rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid var(--line);
  border-radius: calc(var(--radius) + 4px);
}
.agreement-download-content h3 { margin-bottom: 0.5rem; }
.agreement-download-content p { color: var(--muted); margin: 0; }
.agreement-pdf-preview .pdf-link-block {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 2rem;
  background: rgba(255,255,255,0.07);
  border: 1px dashed rgba(255,255,255,0.28);
  border-radius: var(--radius);
  color: var(--accent-2);
  transition: background 0.2s ease, border-color 0.2s ease;
}
.agreement-pdf-preview .pdf-link-block:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--accent);
}
.pdf-icon {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--accent);
  letter-spacing: 0.05em;
}
.pdf-open-label {
  font-size: 0.8rem;
  color: var(--muted);
}
.card-grid {
  display: grid;
  gap: 1rem;
  align-items: stretch;
}
.card-grid.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.card-grid.four { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.card {
  padding: 1.35rem;
  min-width: 0;
  display: flex;
  flex-direction: column;
  height: 100%;
}
.card h3 { flex-shrink: 0; }
.card p { color: var(--muted); margin: 0; flex: 1; }

.split-grid, .trust-panel {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}
.list-card, .trust-box {
  padding: 1.35rem;
  width: 100%;
  min-width: 0;
  box-sizing: border-box;
}
.list-card-narrow { max-width: 640px; }
.trust-box-narrow { max-width: 640px; }

.steps {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  max-width: 880px;
  margin-left: auto;
  margin-right: auto;
}
.step {
  padding: 1.25rem;
  min-width: 0;
  background: rgba(255,255,255,0.07);
  border-radius: var(--radius);
  border: 1px solid var(--line);
}
.step span {
  display: inline-grid;
  place-items: center;
  width: 42px;
  height: 42px;
  border-radius: 999px;
  margin-bottom: 1rem;
  font-weight: 800;
  background: rgba(25,207,143,0.15);
  color: var(--accent-2);
  border: 1px solid rgba(25,207,143,0.35);
}
.step p { margin: 0; color: var(--muted); }

.trust-panel {
  align-items: stretch;
  max-width: 90ch;
  margin-left: auto;
  margin-right: auto;
}
.faq-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}
.faq-grid-five {
  grid-template-columns: repeat(auto-fill, minmax(min(280px, 100%), 1fr));
}
.faq-grid-eight {
  grid-template-columns: repeat(auto-fill, minmax(min(280px, 100%), 1fr));
}
.services-list {
  columns: 2;
  column-gap: 2rem;
}
.services-list li { break-inside: avoid; margin-bottom: 0.35rem; }
@media (max-width: 600px) {
  .services-list { columns: 1; }
}
.cta-band-inner {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 1.5rem;
  align-items: center;
  padding: 2rem;
  background: rgba(255,255,255,0.08);
  border: 1px solid var(--line);
  border-radius: calc(var(--radius) + 4px);
}
.cta-band .cta-stack { margin-top: 0; }
.sticky-cta-bar {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 100;
  padding: 0.75rem 1rem;
  background: rgba(10,23,20,0.98);
  border-top: 1px solid var(--line);
  box-shadow: 0 -4px 20px rgba(0,0,0,0.3);
  transform: translateY(100%);
  transition: transform 0.3s ease;
}
.sticky-cta-bar.visible { transform: translateY(0); }
.sticky-cta-bar .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.sticky-cta-bar .btn { flex-shrink: 0; }
.sticky-cta-bar p { margin: 0; color: var(--muted); font-size: 0.9rem; }
.site-footer {
  border-top: 1px solid var(--line);
  padding: 1.25rem 0 2rem;
  color: var(--muted);
  background: rgba(255,255,255,0.02);
}
.footer-row {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  align-items: center;
  flex-wrap: wrap;
}
.footer-links { display: flex; gap: 1rem; flex-wrap: wrap; }
.footer-contact { font-size: 0.9rem; margin: 0.5rem 0 0; }
.footer-contact a { color: var(--accent-2); }
.footer-contact a:hover { color: var(--accent); }
.footer-disclaimer { margin-top: 1rem; padding-top: 1rem; border-top: 1px solid var(--line); }
.footer-disclaimer p { font-size: 0.78rem; line-height: 1.5; color: var(--muted); margin: 0; max-width: 70ch; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  padding: 0.85rem 1.5rem;
  border-radius: 999px;
  background: var(--accent);
  color: #062a1e;
  font-weight: 700;
  border: 0;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.btn:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(25,207,143,0.35); }
.btn-primary {
  min-height: 52px;
  padding: 1rem 1.75rem;
  font-size: 1.02rem;
  box-shadow: 0 4px 16px rgba(25,207,143,0.25);
}
.btn-primary:hover { box-shadow: 0 8px 24px rgba(25,207,143,0.4); }
.btn-secondary {
  background: transparent;
  color: var(--accent-2);
  border: 1px solid rgba(255,255,255,0.3);
}
.btn-secondary:hover { background: rgba(255,255,255,0.1); }
.btn-sm {
  min-height: 38px;
  padding: 0.5rem 1.1rem;
  font-size: 0.85rem;
  font-weight: 600;
  border-radius: 999px;
}
.btn-cta-nav {
  min-height: 40px;
  padding: 0.55rem 1.25rem;
  font-size: 0.9rem;
  font-weight: 700;
  border-radius: 999px;
  box-shadow: 0 2px 12px rgba(25,207,143,0.3);
}
.btn-cta-nav:hover { box-shadow: 0 4px 16px rgba(25,207,143,0.4); }
.footer-cta {
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--line);
  background: rgba(25,207,143,0.06);
}
.footer-cta .container {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.footer-cta p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}
@media (max-width: 600px) {
  .footer-cta .container { flex-direction: column; align-items: stretch; }
}

.form-wrap { max-width: 900px; }
.referral-form {
  padding: 1.4rem;
}
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
label {
  display: grid;
  gap: 0.5rem;
  margin-bottom: 1rem;
}
label span {
  font-weight: 600;
  color: var(--accent-2);
}
input, select, textarea {
  width: 100%;
  border-radius: 14px;
  border: 1px solid rgba(255,255,255,0.2);
  background: rgba(8,20,17,0.6);
  color: var(--text);
  padding: 0.95rem 1rem;
  font: inherit;
}
input::placeholder, textarea::placeholder { color: #89a; }
.form-actions {
  display: flex;
  gap: 1rem;
  align-items: center;
  flex-wrap: wrap;
}
.form-note {
  color: var(--muted);
  margin: 0;
}

@media (max-width: 1024px) {
  .hero-grid,
  .split-grid,
  .trust-panel,
  .cta-band-inner,
  .card-grid.four,
  .card-grid.three,
  .faq-grid,
  .steps,
  .agreement-download-card {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
  .steps .step:last-child { grid-column: span 2; }
  .section { padding: 1.75rem 0 var(--section-padding); }
}

@media (max-width: 720px) {
  .container {
    width: min(var(--max), calc(100% - 2rem));
    margin-left: auto;
    margin-right: auto;
    padding: 0 1rem;
  }
  .hero { padding: var(--hero-padding-y-mobile) 0; }
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 1.75rem;
  }
  .hero-main { max-width: 100%; }
  .hero-actions, .cta-stack {
    flex-direction: column;
    align-items: stretch;
    gap: 0.75rem;
    margin-top: 1.25rem;
  }
  .hero-actions .btn-primary,
  .cta-stack .btn-primary { order: 0; }
  .hero-actions .btn,
  .cta-stack .btn { width: 100%; justify-content: center; }
  .hero-points { margin-top: 1rem; }
  .split-grid,
  .trust-panel,
  .cta-band-inner,
  .card-grid.four,
  .card-grid.three,
  .faq-grid,
  .steps,
  .form-grid,
  .agreement-download-card {
    grid-template-columns: 1fr;
  }
  .steps .step:last-child { grid-column: auto; }
  .section { padding: 1.5rem 0 var(--section-padding-mobile); }
  .section-heading { margin-bottom: 1.25rem; }
  .card-grid { gap: 0.875rem; }
  .card { padding: 1.15rem; }
  .list-card, .trust-box { padding: 1.15rem; }
  h1 { max-width: 100%; font-size: clamp(2rem, 8vw, 2.8rem); }
  h2 { max-width: 100%; font-size: clamp(1.4rem, 4vw, 1.8rem); }
  .site-header .container { padding: 0 1rem; }
  .nav {
    flex-direction: column;
    align-items: stretch;
    padding: 1rem 0;
    min-height: auto;
    gap: 0.75rem;
  }
  .nav nav {
    flex-wrap: wrap;
    gap: 0.5rem;
    justify-content: flex-start;
  }
  .nav nav > a:not(.btn) { font-size: 0.85rem; padding: 0.4rem 0.5rem; }

  /* Site-wide mobile: row header + hamburger; slide-out menu */
  .site-header .nav {
    flex-direction: row;
    align-items: center;
    justify-content: space-between;
    flex-wrap: nowrap;
    gap: 0.75rem;
    padding: 0.65rem 0;
    min-height: 64px;
    position: relative;
  }
  .site-header .nav .brand {
    flex: 1;
    min-width: 0;
  }
  .nav-toggle {
    display: inline-flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 5px;
    width: 44px;
    height: 44px;
    padding: 0;
    border: 1px solid var(--line);
    border-radius: 10px;
    background: rgba(255, 255, 255, 0.06);
    cursor: pointer;
    flex-shrink: 0;
    color: inherit;
    transition: background 0.2s ease;
  }
  .nav-toggle:hover {
    background: rgba(255, 255, 255, 0.1);
  }
  .nav-toggle:focus-visible {
    outline: 2px solid var(--accent);
    outline-offset: 2px;
  }
  .nav-toggle-bar {
    display: block;
    width: 20px;
    height: 2px;
    background: var(--text);
    border-radius: 1px;
    transition: transform 0.25s ease, opacity 0.2s ease;
  }
  .nav.nav-open .nav-toggle-bar:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
  }
  .nav.nav-open .nav-toggle-bar:nth-child(2) {
    opacity: 0;
  }
  .nav.nav-open .nav-toggle-bar:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
  }
  .nav nav.site-nav {
    position: fixed;
    top: 0;
    right: 0;
    width: min(20rem, calc(100vw - 1rem));
    max-width: 100%;
    height: 100vh;
    height: 100dvh;
    margin: 0;
    padding: 4.75rem 1.25rem 2rem;
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    gap: 0.35rem;
    flex-wrap: nowrap;
    background: rgba(11, 18, 32, 0.98);
    backdrop-filter: blur(16px);
    border-left: 1px solid var(--line);
    box-shadow: -8px 0 32px rgba(0, 0, 0, 0.35);
    z-index: 1000;
    transform: translateX(100%);
    visibility: hidden;
    pointer-events: none;
    transition: transform 0.3s ease, visibility 0.3s;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
  }
  .nav.nav-open nav.site-nav {
    transform: translateX(0);
    visibility: visible;
    pointer-events: auto;
  }
  .nav nav.site-nav > a:not(.btn) {
    font-size: 1rem;
    padding: 0.75rem 0.85rem;
    border-radius: 8px;
  }
  .nav nav.site-nav .btn-cta-nav {
    margin-top: 0.5rem;
    text-align: center;
    justify-content: center;
  }
  body.nav-open {
    overflow: hidden;
    touch-action: none;
  }
  .brand { gap: 0.6rem; }
  .brand img { height: 36px; }
  .brand-name { font-size: 0.9rem; }
  .brand-tagline { font-size: 0.6rem; }
  .cta-band-inner {
    padding: 1.5rem;
    gap: 1.25rem;
  }
  .cta-band .cta-stack { flex-direction: column; }
  .site-footer { padding: 1.5rem 0 1.5rem; }
}

.tally-form-wrapper {
  background: #101a2d;
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 20px;
  padding: 2rem;
  box-shadow: 0 18px 50px rgba(0,0,0,0.22);
  color: #eef2fc;
}

.tally-form-wrapper iframe {
  width: 100%;
  min-height: 500px;
  border: none;
  display: block;
}

.contact-form {
  background: var(--panel);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 2.5rem;
  box-shadow: var(--shadow);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  margin-bottom: 1.25rem;
}

.form-group label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text);
}

.form-group input,
.form-group select,
.form-group textarea {
  background: var(--panel-2);
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 0.7rem 1rem;
  color: var(--text);
  font-size: 0.95rem;
  font-family: inherit;
  transition: border-color 0.2s;
  width: 100%;
}

.form-group input::placeholder,
.form-group textarea::placeholder {
  color: var(--muted);
  opacity: 0.7;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--accent);
}

.form-group select option {
  background: var(--panel-2);
  color: var(--text);
}

@media (max-width: 600px) {
  .form-row { grid-template-columns: 1fr; }
  .contact-form { padding: 1.5rem; }
}

/* ===== Mobile optimization ===== */
/* Stop mobile browsers from inflating text + prevent media/long words overflowing the viewport */
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; }
body { overflow-wrap: break-word; }
img, svg, video, iframe { max-width: 100%; height: auto; }

@media (max-width: 720px) {
  /* Data tables (used across 80+ pages, some 4 columns): scroll horizontally
     instead of pushing the whole page wider than the screen. */
  .opt-table {
    display: block;
    width: 100%;
    overflow-x: auto;
    -webkit-overflow-scrolling: touch;
    white-space: nowrap;
    font-size: 0.85rem;
  }
  .opt-table th, .opt-table td { padding: 0.5rem 0.7rem; }

  /* iOS Safari auto-zooms when focusing a field smaller than 16px — pin to 16px. */
  input, select, textarea,
  .form-group input, .form-group select, .form-group textarea { font-size: 16px; }

  /* Comfortable tap targets for wrapped footer links. */
  .footer-links { gap: 0.5rem 1.1rem; }
  .footer-links a { padding: 0.3rem 0; display: inline-block; }
}

/* ===== Business Debt Relief — page-specific helpers (reuse family tokens) ===== */
.mca-estimator {
  max-width: 760px;
  margin: 1.5rem auto 0;
  padding: 1.5rem;
  background: rgba(255,255,255,0.07);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  text-align: left;
}
.mca-estimator h3 { margin-bottom: 1rem; color: var(--accent-2); }
.mca-estimator .est-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
}
.mca-estimator label { margin-bottom: 0; }
.mca-estimator .est-out {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
  margin-top: 1.25rem;
}
.mca-estimator .est-out > div {
  padding: 1rem 1.15rem;
  background: rgba(25,207,143,0.08);
  border: 1px solid rgba(25,207,143,0.25);
  border-radius: 14px;
}
.mca-estimator .est-out .est-label { font-size: 0.82rem; color: var(--muted); margin: 0 0 0.25rem; }
.mca-estimator .est-out .est-value { font-size: 1.5rem; font-weight: 800; color: var(--text); margin: 0; letter-spacing: -0.02em; }
.mca-estimator .est-disclaimer { font-size: 0.8rem; color: var(--muted); margin: 1rem 0 0; line-height: 1.5; }
@media (max-width: 600px) {
  .mca-estimator .est-grid { grid-template-columns: 1fr; }
  .mca-estimator .est-out { grid-template-columns: 1fr; }
}

/* Signal / relief callout — a tinted panel for "warning signs" and reassurance blocks. */
.signal-card {
  padding: 1.35rem;
  background: rgba(25,207,143,0.06);
  border: 1px solid rgba(25,207,143,0.22);
  border-radius: var(--radius);
}
.signal-card h3 { color: var(--accent-2); }
.signal-card p { color: var(--muted); margin: 0; }

/* Compliance note inside content sections (lighter than the footer disclaimer). */
.compliance-note {
  max-width: 72ch;
  margin: 1.5rem auto 0;
  padding: 1rem 1.25rem;
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  font-size: 0.85rem;
  color: var(--muted);
  line-height: 1.6;
  text-align: left;
}
.compliance-note strong { color: var(--text); }

/* ===== Front-page conversion design system ===== */
:root { --relief: #3ddc97; --relief-soft: rgba(61,220,151,0.14); --warn: #f08a6b; --warn-soft: rgba(240,138,107,0.14); }

/* Brand wordmark + placeholder mark (swap for a real logo when ready) */
.brand-mark {
  width: 40px; height: 40px;
  border-radius: 12px;
  display: inline-grid; place-items: center;
  flex-shrink: 0;
  background: linear-gradient(135deg, var(--accent), #0fae77);
  box-shadow: 0 4px 16px rgba(25,207,143,0.35);
}
.brand-mark svg { width: 23px; height: 23px; stroke: #06231a; fill: none; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; }
.brand-name { background: linear-gradient(90deg, var(--text), var(--accent-2)); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
@media (max-width: 720px) { .brand-mark { width: 34px; height: 34px; border-radius: 10px; } .brand-mark svg { width: 20px; height: 20px; } }

/* Icon badge (inline-SVG, no icon lib) */
.ic { display:inline-grid; place-items:center; width:46px; height:46px; border-radius:14px; background:rgba(25,207,143,0.14); border:1px solid rgba(25,207,143,0.30); color:var(--accent-2); flex-shrink:0; }
.ic svg { width:22px; height:22px; stroke:currentColor; fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }
.ic.ic-success { background:var(--relief-soft); border-color:rgba(61,220,151,0.32); color:var(--relief); }
.ic.ic-warn { background:var(--warn-soft); border-color:rgba(246,169,107,0.32); color:var(--warn); }
.card .ic { margin-bottom:0.85rem; }

/* Hero trust line + phone emphasis */
.hero-trustline { display:flex; flex-wrap:wrap; gap:0.5rem 1.5rem; justify-content:center; margin-top:1.4rem; font-size:0.9rem; color:var(--muted); }
.hero-trustline span { display:inline-flex; align-items:center; gap:0.45rem; font-weight:500; }
.hero-trustline svg { width:17px; height:17px; stroke:var(--relief); fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; }

/* Trust bar (under hero) */
.trust-bar { border-top:1px solid var(--line); border-bottom:1px solid var(--line); background:rgba(255,255,255,0.035); }
.trust-bar .container { display:flex; flex-wrap:wrap; gap:0.85rem 2.25rem; align-items:center; justify-content:center; padding:1.05rem 1rem; }
.trust-bar .ti { display:inline-flex; align-items:center; gap:0.55rem; font-size:0.92rem; color:var(--muted); font-weight:500; }
.trust-bar .ti svg { width:19px; height:19px; stroke:var(--relief); fill:none; stroke-width:2; stroke-linecap:round; stroke-linejoin:round; flex-shrink:0; }
.trust-bar .ti strong { color:var(--text); font-weight:700; }
.trust-bar .ti.callnum a { color:var(--accent-2); font-weight:700; }

/* Pillars (icon feature grid) */
.pillars { display:grid; grid-template-columns:repeat(3, minmax(0,1fr)); gap:1rem; }
.pillar { padding:1.6rem; background:rgba(255,255,255,0.05); border:1px solid var(--line); border-radius:var(--radius); }
.pillar .ic { margin-bottom:0.95rem; }
.pillar h3 { margin-bottom:0.45rem; }
.pillar p { color:var(--muted); margin:0; }

/* Compare — predatory cycle vs. us */
.compare { display:grid; grid-template-columns:repeat(2, minmax(0,1fr)); gap:1rem; max-width:1000px; margin:0 auto; }
.compare-col { padding:1.6rem; border-radius:var(--radius); border:1px solid var(--line); }
.compare-col.bad { background:var(--warn-soft); border-color:rgba(246,169,107,0.22); }
.compare-col.good { background:var(--relief-soft); border-color:rgba(61,220,151,0.30); }
.compare-col h3 { display:flex; align-items:center; gap:0.6rem; margin-bottom:0.3rem; }
.compare-col .ic { width:38px; height:38px; }
.compare-col ul { list-style:none; margin:1.1rem 0 0; padding:0; }
.compare-col li { display:flex; gap:0.6rem; align-items:flex-start; margin-bottom:0.75rem; color:var(--muted); font-size:0.95rem; line-height:1.5; }
.compare-col li svg { width:18px; height:18px; flex-shrink:0; margin-top:2px; stroke-width:2.5; fill:none; stroke-linecap:round; stroke-linejoin:round; }
.compare-col.bad li svg { stroke:var(--warn); }
.compare-col.good li svg { stroke:var(--relief); }

/* Stat / trust strip */
.stat-strip { display:grid; grid-template-columns:repeat(3, minmax(0,1fr)); gap:1rem; max-width:880px; margin:0 auto; }
.stat { text-align:center; padding:1.4rem 1rem; background:rgba(255,255,255,0.05); border:1px solid var(--line); border-radius:var(--radius); }
.stat .n { font-size:2.2rem; font-weight:800; color:var(--text); letter-spacing:-0.02em; line-height:1; }
.stat .n.relief { color:var(--relief); }
.stat .l { color:var(--muted); font-size:0.9rem; margin-top:0.5rem; line-height:1.4; }

/* Social-proof quote cards */
.qcard { padding:1.6rem; background:rgba(255,255,255,0.06); border:1px solid var(--line); border-radius:var(--radius); }
.qcard .mark { font-size:2.6rem; line-height:0.6; color:var(--accent); opacity:0.5; font-weight:800; }
.qcard p.q { color:var(--accent-2); font-size:1rem; line-height:1.6; margin:0.6rem 0 1rem; }
.qcard .who { color:var(--muted); font-size:0.85rem; font-weight:600; }

/* Accordion FAQ */
.accordion { max-width:840px; margin:0 auto; display:flex; flex-direction:column; gap:0.65rem; }
.accordion details { background:rgba(255,255,255,0.05); border:1px solid var(--line); border-radius:14px; overflow:hidden; transition:border-color 0.2s; }
.accordion details[open] { border-color:rgba(25,207,143,0.35); }
.accordion summary { cursor:pointer; padding:1.15rem 1.3rem; font-weight:600; color:var(--text); list-style:none; display:flex; justify-content:space-between; align-items:center; gap:1rem; font-size:1.02rem; }
.accordion summary::-webkit-details-marker { display:none; }
.accordion summary::after { content:"+"; font-size:1.5rem; color:var(--accent); font-weight:400; line-height:1; flex-shrink:0; }
.accordion details[open] summary::after { content:"\2212"; }
.accordion details[open] summary { color:var(--accent-2); }
.accordion .acc-body { padding:0 1.3rem 1.25rem; color:var(--muted); line-height:1.65; }
.accordion .acc-body a { color:var(--accent); text-decoration:underline; text-underline-offset:3px; }

@media (max-width: 720px) {
  .pillars, .compare, .stat-strip { grid-template-columns:1fr; }
  .trust-bar .container { gap:0.7rem 1.4rem; }
  .stat .n { font-size:1.9rem; }
}

/* Real logo in the header (rounded app-icon tile) */
.brand-logo {
  width: 44px; height: 44px;
  border-radius: 12px;
  display: block; flex-shrink: 0;
  box-shadow: 0 6px 18px rgba(0,0,0,0.42);
}
@media (max-width: 720px) { .brand-logo { width: 38px; height: 38px; border-radius: 10px; } }

/* Lead-form consent checkbox */
input[type="checkbox"], input[type="radio"] { width: auto; min-height: 0; }
.consent { display: flex; flex-direction: row; align-items: flex-start; gap: 0.6rem; margin: 0.25rem 0 1rem; }
.consent > input { margin-top: 0.25rem; flex-shrink: 0; }
.consent > span { font-weight: 400; color: var(--muted); font-size: 0.82rem; line-height: 1.5; }
.consent > span a { color: var(--accent); text-decoration: underline; }

/* ===== Image frames (photos generated separately — see IMAGE-MANIFEST.md) =====
   Shows a styled on-brand placeholder until the matching file exists in
   assets/images/; the photo then auto-appears (handled in script.js). */
.img-frame {
  position: relative;
  width: 100%;
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--line);
  background: linear-gradient(135deg, rgba(25,207,143,0.12), rgba(15,35,29,0.55) 55%, rgba(243,201,105,0.08));
  box-shadow: var(--shadow);
  margin: 0 0 1.75rem;
}
.img-frame-wide { aspect-ratio: 21 / 9; }
.img-frame-feature { aspect-ratio: 21 / 9; max-width: 1080px; margin-left: auto; margin-right: auto; }
.img-frame > img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; display: block; }
.img-frame-hint {
  position: absolute; inset: 0; display: flex; flex-direction: column;
  align-items: center; justify-content: center; gap: 0.55rem;
  color: var(--muted); font-size: 0.74rem; letter-spacing: 0.06em;
  text-transform: uppercase; font-weight: 700; text-align: center; padding: 1rem;
}
.img-frame-hint svg { width: 32px; height: 32px; stroke: var(--accent-2); fill: none; stroke-width: 1.5; opacity: 0.45; }
@media (max-width: 720px) { .img-frame-wide, .img-frame-feature { aspect-ratio: 16 / 9; } }

/* ===== Split hero with lead form ===== */
.hero-split .container { width: min(1560px, calc(100% - 3rem)); }
.hero-split .hero-grid { grid-template-columns: 1.05fr 0.92fr; gap: 3rem; align-items: center; }
.hero-split .hero-main { max-width: none; margin: 0; text-align: left; }
.hero-split .hero-main h1 { max-width: 17ch; margin-left: 0; margin-right: 0; }
.hero-split .hero-main .lead { max-width: 54ch; margin-left: 0; margin-right: 0; }
.hero-split .hero-actions, .hero-split .hero-trustline { justify-content: flex-start; }

.hero-form-card {
  background: linear-gradient(180deg, rgba(255,255,255,0.085), rgba(255,255,255,0.04));
  border: 1px solid var(--line);
  border-top: 3px solid var(--accent);
  border-radius: calc(var(--radius) + 2px);
  box-shadow: var(--shadow);
  padding: 1.6rem 1.6rem 1.45rem;
}
.hero-form-card h2 { font-size: 1.55rem; margin-bottom: 0.35rem; }
.hero-form-sub { color: var(--muted); font-size: 0.92rem; margin: 0 0 1.15rem; line-height: 1.5; }
.hero-form label { margin-bottom: 0.7rem; gap: 0.32rem; }
.hero-form label span { font-weight: 600; color: var(--accent-2); font-size: 0.82rem; }
.hero-form input { padding: 0.72rem 0.9rem; border-radius: 12px; }
.hero-form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0.7rem; }
.hero-form .consent { margin: 0.4rem 0 0.95rem; }
.hero-form-submit { width: 100%; margin-top: 0.1rem; }
.hero-form-foot { text-align: center; color: var(--muted); font-size: 0.84rem; margin: 0.85rem 0 0; }
.hero-form-foot a { color: var(--accent-2); }

@media (max-width: 1024px) {
  .hero-split .hero-grid { grid-template-columns: 1fr; gap: 2rem; }
  .hero-split .hero-main { text-align: center; }
  .hero-split .hero-main h1, .hero-split .hero-main .lead { margin-left: auto; margin-right: auto; }
  .hero-split .hero-actions, .hero-split .hero-trustline { justify-content: center; }
  .hero-form-card { max-width: 560px; margin: 0 auto; width: 100%; }
}
@media (max-width: 600px) { .hero-form-row { grid-template-columns: 1fr; } }

/* ===== Inner-page width & breathing room (was too tight) ===== */
.article-body { max-width: 78ch; font-size: 1.045rem; line-height: 1.75; }
.hero-single .hero-main h1 { max-width: 22ch; }
.hero-single .hero-main .lead { max-width: 68ch; font-size: 1.12rem; }
.section-heading { max-width: 60ch; }

/* Fuller homepage hero form column (matches contact form fields) */
.hero-split .hero-grid { grid-template-columns: 0.95fr 1.05fr; align-items: start; }
.hero-split .hero-main { align-self: center; }
.hero-form-card .form-grid { gap: 0.7rem 0.9rem; }
.hero-form-card .referral-form textarea { min-height: 80px; }

/* Tool/calculator as a hero aside (factor-rate page) */
.hero-aside { width: 100%; }
.hero-aside .mca-estimator { margin: 0; max-width: none; }
@media (max-width: 1024px) {
  .hero-aside .mca-estimator { max-width: 600px; margin: 0 auto; }
}

/* ===== Article + sticky sidebar layout (fills the page, fixes "too tight") ===== */
.content-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  gap: 2.75rem;
  align-items: start;
  max-width: 1160px;
  margin: 0 auto;
}
.content-layout .article-body { max-width: none; margin: 0; }
.content-aside { position: sticky; top: 100px; }
.aside-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid var(--line);
  border-top: 3px solid var(--accent);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: var(--shadow);
}
.aside-eyebrow { color: var(--gold); font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; font-size: 0.72rem; margin: 0 0 0.4rem; }
.aside-card h3 { font-size: 1.2rem; margin: 0 0 0.5rem; letter-spacing: -0.02em; }
.aside-card > p { color: var(--muted); font-size: 0.92rem; margin: 0 0 1rem; line-height: 1.55; }
.aside-card .btn { width: 100%; margin-bottom: 0.6rem; }
.aside-links { margin-top: 1.1rem; padding-top: 1.1rem; border-top: 1px solid var(--line); }
.aside-links > p { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--muted); margin: 0 0 0.5rem; font-weight: 700; }
.aside-links a { display: block; padding: 0.35rem 0; color: var(--accent-2); font-size: 0.92rem; }
.aside-links a:hover { color: var(--accent); }
@media (max-width: 980px) {
  .content-layout { grid-template-columns: 1fr; max-width: 80ch; }
  .content-aside { position: static; }
  .content-aside .aside-card { margin-top: 1.5rem; }
}

/* ===== Readability & visual polish pass ===== */
/* Center section headings so they line up with body (was hugging the left edge) */
.section-heading { margin-left: auto; margin-right: auto; }
.section-heading h2 { max-width: 26ch; font-size: clamp(1.95rem, 3.4vw, 3rem); letter-spacing: -0.03em; }

/* Larger, brighter body copy; left-align multi-paragraph blurbs for readability */
.lead { font-size: 1.2rem; line-height: 1.62; color: #cbdcd3; }
.section-desc { font-size: 1.12rem; color: #cbdcd3; }
.info-content { max-width: 66ch; text-align: left; }
.info-content p { font-size: 1.17rem; line-height: 1.75; color: #cbdcd3; margin: 0 0 1.15rem; }
.info-content ul { display: block; text-align: left; }
.article-body { font-size: 1.1rem; color: #c7d8cf; line-height: 1.78; }
.article-body p { margin-bottom: 1.35rem; }
.article-body h2 { font-size: 1.75rem; color: #ffffff; margin-top: 2.75rem; }
.article-body h3 { font-size: 1.28rem; color: var(--accent-2); }

/* Emphasis that pops: bold = bright white, italics = brand green, links = accent */
.info-content strong, .article-body strong, .section-desc strong, .lead strong { color: #ffffff; font-weight: 700; }
.article-body em, .info-content em { color: var(--accent-2); font-style: italic; }
.info-content a, .article-body a { color: var(--accent); font-weight: 600; }

/* Card & FAQ grids: flex so a partial last row CENTERS instead of pinning left */
.card-grid, .faq-grid { display: flex; flex-wrap: wrap; justify-content: center; }
.card-grid > *, .faq-grid > * { flex: 1 1 260px; }
@media (min-width: 860px) {
  .card-grid.three > * { max-width: calc((100% - 2rem) / 3); }
  .card-grid.four > * { max-width: calc((100% - 3rem) / 4); }
  .faq-grid > * { max-width: calc((100% - 2rem) / 3); }
}
/* How It Works: 4 steps as a centered 2x2 */
.steps.steps-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: 760px; }