/* Stream Finance — shared design system. Single source of truth for every page. */

:root{
  --brand:#2EA4D9;
  --brand-deep:#1E84B4;
  --accent:#684DF4;
  --accent-deep:#4D35C9;
  --accent-soft:#EEEBFF;
  --form-bg:#F4F8FF;
  --ink:#0B1030;
  --ink-soft:#3B4266;
  --ink-mute:#7B83A8;
  --paper:#FFFFFF;
  --cream:#F8FAFF;
  --hairline:#E2E6F5;
  --success:#18B26B;
  --warn:#FFB020;
  --danger:#D74B4B;
  --radius-sm:12px;
  --radius:18px;
  --radius-lg:26px;
  --shadow-sm:0 1px 2px rgba(11,16,48,.05), 0 3px 10px rgba(11,16,48,.04);
  --shadow-md:0 10px 28px rgba(11,16,48,.10), 0 22px 48px rgba(104,77,244,.06);
  --shadow-lg:0 24px 60px rgba(11,16,48,.16), 0 36px 80px rgba(104,77,244,.12);
  --ease:cubic-bezier(.16,1,.3,1);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Plus Jakarta Sans',system-ui,-apple-system,sans-serif;font-size:16px;line-height:1.6;color:var(--ink);background:var(--cream);-webkit-font-smoothing:antialiased}
img{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-weight:700;letter-spacing:-.02em;line-height:1.12;color:var(--ink)}
h1{font-size:clamp(2.4rem,5.2vw,4.2rem);letter-spacing:-.035em;line-height:1.04;font-weight:800}
h2{font-size:clamp(1.8rem,3.8vw,2.9rem)}
h3{font-size:clamp(1.15rem,1.9vw,1.4rem)}
.serif{font-family:'Instrument Serif',Georgia,serif;font-weight:400;letter-spacing:-.01em;font-style:italic}
.container{max-width:1200px;margin:0 auto;padding:0 26px}
.container-narrow{max-width:960px;margin:0 auto;padding:0 26px}
.container-prose{max-width:780px;margin:0 auto;padding:0 26px}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--accent);display:inline-flex;align-items:center;gap:10px;margin-bottom:18px}
.eyebrow::before{content:'';width:20px;height:2px;background:var(--accent);border-radius:2px}

/* TICKER */
.ticker{background:var(--brand);color:#fff;padding:11px 0;overflow:hidden;border-bottom:1px solid rgba(255,255,255,.12)}
.ticker-track{display:flex;white-space:nowrap;animation:tick 55s linear infinite;width:max-content}
.ticker-track span{font-size:13px;color:rgba(255,255,255,.88);font-weight:500}
.ticker-track span strong{color:#fff;font-weight:700}
.ticker-track span::after{content:'●';color:rgba(255,255,255,.5);margin:0 26px;font-size:6px;vertical-align:middle}
@keyframes tick{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* HEADER */
header{position:sticky;top:0;z-index:80;background:rgba(248,250,255,.88);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--hairline)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:18px 0}
.logo{display:inline-flex;align-items:center;gap:2px;font-weight:800;font-size:1.5rem;letter-spacing:-.03em;color:var(--ink)}
.logo-dot{width:10px;height:10px;border-radius:50%;background:var(--brand);margin:0 2px 4px 2px;box-shadow:0 0 0 3px rgba(46,164,217,.18)}
.nav-links{display:flex;gap:30px;align-items:center;list-style:none}
.nav-links a{font-size:14.5px;color:var(--ink-soft);font-weight:500;transition:color .15s}
.nav-links a:hover{color:var(--accent)}
.nav-links a.active{color:var(--accent)}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:14px 24px;border:0;border-radius:100px;font-family:inherit;font-size:15px;font-weight:600;cursor:pointer;transition:transform .14s,box-shadow .14s,background .14s,color .14s;white-space:nowrap;text-decoration:none}
.btn-primary{background:var(--accent);color:#fff;box-shadow:0 3px 0 var(--accent-deep),var(--shadow-sm)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 5px 0 var(--accent-deep),var(--shadow-md);color:#fff}
.btn-primary:active{transform:translateY(1px);box-shadow:0 1px 0 var(--accent-deep)}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--hairline)}
.btn-ghost:hover{border-color:var(--ink);background:var(--paper)}
.btn-dark{background:var(--ink);color:#fff;box-shadow:0 3px 0 #05081A,var(--shadow-sm)}
.btn-dark:hover{transform:translateY(-2px);color:#fff}
.btn-lg{padding:18px 32px;font-size:16px}
.mobile-toggle{display:none;background:none;border:0;font-size:24px;cursor:pointer;color:var(--ink)}
.nav-links a.btn{color:#fff}
.nav-links a.btn:hover{color:#fff}
@media(max-width:900px){.nav-links{display:none}.mobile-toggle{display:block}.nav-links.open{display:flex;position:absolute;top:68px;left:0;right:0;flex-direction:column;background:var(--paper);padding:16px 26px;border-bottom:1px solid var(--hairline);box-shadow:var(--shadow-sm)}}

/* HERO (with optional side card) */
.hero{position:relative;padding:52px 0 80px;overflow:hidden}
.hero::before{content:'';position:absolute;top:-120px;right:-180px;width:620px;height:620px;background:radial-gradient(circle,rgba(104,77,244,.16),transparent 60%);pointer-events:none;z-index:0}
.hero::after{content:'';position:absolute;bottom:-180px;left:-120px;width:480px;height:480px;background:radial-gradient(circle,rgba(46,164,217,.14),transparent 62%);pointer-events:none;z-index:0}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:64px;align-items:center;position:relative;z-index:1}
.hero-grid.single{grid-template-columns:1fr;max-width:820px;text-align:center;margin:0 auto}
.hero-grid.single .hero-rating,.hero-grid.single .hero-ctas,.hero-grid.single .hero-pill{justify-content:center}
.hero-grid.single .hero-sub{margin-left:auto;margin-right:auto}
@media(max-width:960px){.hero-grid{grid-template-columns:1fr;gap:40px}}
.hero-pill{display:inline-flex;align-items:center;gap:10px;padding:7px 14px;background:var(--paper);border:1px solid var(--hairline);border-radius:100px;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:22px;box-shadow:var(--shadow-sm)}
.hero-pill-dot{width:8px;height:8px;background:var(--success);border-radius:50%;box-shadow:0 0 0 3px rgba(24,178,107,.18);animation:pulse 2.2s ease-in-out infinite}
@keyframes pulse{0%,100%{box-shadow:0 0 0 3px rgba(24,178,107,.18)}50%{box-shadow:0 0 0 7px rgba(24,178,107,.08)}}
.hero h1 .accent{color:var(--accent);position:relative}
.hero h1 .accent::after{content:'';position:absolute;left:0;right:0;bottom:6px;height:10px;background:var(--accent);opacity:.15;border-radius:4px;z-index:-1}
.hero-sub{font-size:clamp(16.5px,1.4vw,18.5px);color:var(--ink-soft);max-width:540px;margin:22px 0 28px;line-height:1.6}
.hero-rating{display:inline-flex;align-items:center;gap:14px;padding:10px 16px;background:#fff;border:1px solid var(--hairline);border-radius:100px;margin-bottom:28px;box-shadow:var(--shadow-sm)}
.hero-rating .stars{color:#F5B301;font-size:15px;letter-spacing:1px}
.hero-rating .rating-text{font-size:13.5px;font-weight:600;color:var(--ink)}
.hero-rating .rating-text span{color:var(--ink-mute);font-weight:500;margin-left:4px}
.hero-ctas{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.hero-secondary{font-size:14px;font-weight:500;color:var(--ink-mute);display:inline-flex;align-items:center;gap:6px;transition:color .15s,gap .15s}
.hero-secondary:hover{color:var(--accent);gap:10px}

/* HERO SIDE FORM (for subpages) */
.hero-form-card{background:var(--form-bg);border-radius:var(--radius-lg);padding:28px;border:1px solid var(--hairline);box-shadow:var(--shadow-lg)}
.hero-form-card h3{margin-bottom:6px}
.hero-form-card .sub{font-size:13px;color:var(--ink-soft);margin-bottom:18px}
.hero-form-card .field{margin-bottom:14px}
.hero-form-card label{display:block;font-size:12.5px;font-weight:600;color:var(--ink);margin-bottom:6px}
.hero-form-card input,.hero-form-card select{width:100%;padding:12px 14px;font:inherit;font-size:14.5px;color:var(--ink);background:#fff;border:1.5px solid var(--hairline);border-radius:10px;transition:border-color .15s,box-shadow .15s}
.hero-form-card input:focus,.hero-form-card select:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(104,77,244,.14)}
.hero-form-card .btn{width:100%;margin-top:4px}
.hero-form-card .assurance{text-align:center;font-size:11.5px;color:var(--ink-mute);margin-top:10px}

/* CALCULATOR */
.calc-card{background:var(--form-bg);border-radius:var(--radius-lg);padding:30px 30px 24px;border:1px solid var(--hairline);box-shadow:var(--shadow-lg);position:relative}
.calc-card::before{content:'';position:absolute;inset:-1px;border-radius:inherit;padding:1.5px;background:linear-gradient(135deg,rgba(104,77,244,.5),rgba(46,164,217,.35),transparent);-webkit-mask:linear-gradient(#fff 0 0) content-box,linear-gradient(#fff 0 0);-webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none;opacity:.7}
.calc-head{margin-bottom:22px;padding-bottom:18px;border-bottom:1px dashed var(--hairline)}
.calc-badge{display:inline-flex;align-items:center;gap:8px;padding:6px 12px;background:rgba(24,178,107,.08);border:1px solid rgba(24,178,107,.22);border-radius:100px;font-size:12px;font-weight:600;color:var(--success);margin-bottom:12px}
.calc-badge::before{content:'';width:7px;height:7px;background:var(--success);border-radius:50%;animation:pulse 2s ease-in-out infinite}
.calc-title{font-size:clamp(1.3rem,2.1vw,1.6rem);margin-bottom:6px}
.calc-sub{font-size:13.5px;color:var(--ink-soft);margin:0}
.calc-field{margin-bottom:18px}
.calc-row{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:10px}
.calc-label{font-size:13px;font-weight:600;color:var(--ink);letter-spacing:.02em}
.calc-value{font-size:22px;font-weight:700;color:var(--accent);letter-spacing:-.015em}
.calc-slider{-webkit-appearance:none;appearance:none;width:100%;height:6px;background:linear-gradient(to right,var(--accent) 0%,var(--accent) var(--p,30%),var(--hairline) var(--p,30%));border-radius:4px;outline:none;cursor:pointer}
.calc-slider::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;background:var(--accent);border:3px solid #fff;border-radius:50%;cursor:pointer;box-shadow:0 2px 6px rgba(104,77,244,.35)}
.calc-slider::-moz-range-thumb{width:22px;height:22px;background:var(--accent);border:3px solid #fff;border-radius:50%;cursor:pointer;box-shadow:0 2px 6px rgba(104,77,244,.35)}
.calc-range{display:flex;justify-content:space-between;font-size:11.5px;color:var(--ink-mute);margin-top:6px;font-weight:500}
.calc-chips{display:flex;gap:8px;flex-wrap:wrap}
.calc-chip{flex:1;min-width:70px;padding:10px 4px;background:#fff;border:1.5px solid var(--hairline);border-radius:10px;font:inherit;font-size:13px;font-weight:600;color:var(--ink);cursor:pointer;transition:all .14s}
.calc-chip:hover{border-color:var(--accent)}
.calc-chip.active{background:var(--accent);border-color:var(--accent);color:#fff;box-shadow:0 2px 0 var(--accent-deep)}
.calc-output{background:#fff;border:1px solid var(--hairline);border-radius:var(--radius);padding:16px 18px;margin:18px 0;display:grid;gap:6px}
.calc-out-row{display:flex;justify-content:space-between;align-items:baseline}
.calc-out-label{font-size:13px;color:var(--ink-soft);font-weight:500}
.calc-out-val{font-size:18px;font-weight:700;color:var(--ink);letter-spacing:-.015em}
.calc-out-row:first-child .calc-out-val{color:var(--accent);font-size:24px}
.calc-cta{width:100%;padding:16px;margin-bottom:10px}
.calc-assurances{display:flex;justify-content:center;gap:14px;font-size:11.5px;color:var(--ink-mute);font-weight:500;flex-wrap:wrap}
.calc-assurances span{display:inline-flex;align-items:center;gap:4px}
.calc-assurances span::before{content:'✓';color:var(--success);font-weight:800}

/* PROOF STRIP */
.proof{background:var(--ink);color:#fff;padding:26px 0}
.proof-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.proof-label{font-size:11.5px;letter-spacing:.16em;color:rgba(221,225,245,.55);font-weight:700;text-transform:uppercase}
.proof-list{display:flex;gap:32px;align-items:center;flex-wrap:wrap;list-style:none}
.proof-list li{font-size:14.5px;font-weight:600;color:#fff;display:inline-flex;align-items:center;gap:9px}
.proof-list li::before{content:'✓';color:var(--brand);font-weight:800;font-size:14px}

/* FEATURE BAND */
.feature-band{position:relative;min-height:420px;display:flex;align-items:center;overflow:hidden;isolation:isolate}
.feature-band::before{content:'';position:absolute;inset:0;background:linear-gradient(125deg,var(--ink) 0%,rgba(11,16,48,.88) 45%,rgba(104,77,244,.65) 100%);z-index:-1}
.feature-band::after{content:'';position:absolute;inset:0;background:url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?w=1600&auto=format') center/cover no-repeat;z-index:-2;filter:saturate(.6)}
.feature-band-inner{padding:84px 0;max-width:820px;color:#fff}
.feature-band-rating{display:inline-flex;align-items:center;gap:10px;padding:8px 16px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2);border-radius:100px;backdrop-filter:blur(8px);margin-bottom:22px;font-size:13px;font-weight:600}
.feature-band-rating .stars{color:#F5B301;letter-spacing:1px}
.feature-band blockquote{font-size:clamp(1.5rem,2.8vw,2.2rem);font-weight:700;line-height:1.22;letter-spacing:-.02em;color:#fff;margin-bottom:24px}
.feature-band blockquote em{color:var(--brand);font-style:normal}
.feature-band cite{display:flex;align-items:center;gap:14px;font-style:normal;font-size:14px;font-weight:600}
.feature-band cite .cite-name{font-size:14.5px;color:#fff}
.feature-band cite .cite-meta{display:block;font-size:12.5px;color:rgba(255,255,255,.6);font-weight:500;margin-top:2px}
.feature-band cite .avatar{width:48px;height:48px;border-radius:50%;background:linear-gradient(135deg,var(--accent),var(--brand));display:inline-flex;align-items:center;justify-content:center;color:#fff;font-weight:700;font-size:16px;border:2px solid var(--brand)}

/* NUMERIC BAND */
.numeric{padding:clamp(70px,8vw,110px) 0;background:var(--paper);border-top:1px solid var(--hairline);border-bottom:1px solid var(--hairline)}
.numeric-head{text-align:center;max-width:620px;margin:0 auto 56px}
.numeric-head h2{margin-bottom:14px}
.numeric-head p{color:var(--ink-soft);font-size:16.5px}
.numeric-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--hairline);border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--hairline)}
@media(max-width:900px){.numeric-grid{grid-template-columns:repeat(2,1fr)}}
.num-cell{background:var(--paper);padding:48px 32px;text-align:center;transition:background .18s}
.num-cell:hover{background:var(--form-bg)}
.num-value{font-family:'Instrument Serif',serif;font-style:italic;font-size:clamp(3rem,5.5vw,4.6rem);color:var(--accent);line-height:.95;letter-spacing:-.03em;font-weight:400;margin-bottom:14px;display:inline-flex;align-items:flex-start;justify-content:center;gap:.18em}
.num-value sup{font-size:.32em;vertical-align:top;font-style:normal;font-family:'Plus Jakarta Sans',sans-serif;font-weight:700;color:var(--accent);letter-spacing:.02em;margin-top:.6em;position:relative;top:0}
.num-label{font-size:13px;color:var(--ink-soft);font-weight:600;letter-spacing:.02em}

/* SPLIT */
section.split{padding:clamp(80px,10vw,120px) 0}
.split-head{max-width:760px;margin-bottom:52px}
.split-head h2{margin-bottom:18px}
.split-head p{color:var(--ink-soft);font-size:17px;max-width:620px;line-height:1.6}
.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:820px){.split-grid{grid-template-columns:1fr}}
.split-col{padding:40px 36px;border-radius:var(--radius-lg);position:relative}
.split-col.bad{background:var(--paper);border:1px solid var(--hairline);box-shadow:var(--shadow-sm)}
.split-col.good{background:linear-gradient(140deg,var(--accent) 0%,var(--accent-deep) 100%);color:#fff}
.split-col.good::after{content:'';position:absolute;top:0;right:0;width:220px;height:220px;background:radial-gradient(circle,rgba(46,164,217,.35),transparent 60%);border-radius:50%;pointer-events:none}
.split-col .tag{font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;display:inline-block;padding:5px 12px;border-radius:100px;margin-bottom:22px}
.split-col.bad .tag{background:rgba(215,75,75,.1);color:var(--danger)}
.split-col.good .tag{background:rgba(255,255,255,.18);color:#fff}
.split-col h3{font-size:clamp(1.25rem,2.2vw,1.5rem);margin-bottom:22px;font-weight:700}
.split-col.good h3{color:#fff}
.split-list{list-style:none;position:relative;z-index:1}
.split-list li{padding:14px 0 14px 34px;position:relative;font-size:15px;line-height:1.55;border-bottom:1px solid rgba(0,0,0,.06)}
.split-col.good .split-list li{border-color:rgba(255,255,255,.18);color:rgba(255,255,255,.92)}
.split-list li:last-child{border-bottom:0}
.split-list li::before{content:'';position:absolute;left:0;top:17px;width:20px;height:20px;border-radius:50%}
.split-col.bad .split-list li::before{background:rgba(215,75,75,.1)}
.split-col.bad .split-list li::after{content:'✕';position:absolute;left:5px;top:16px;color:var(--danger);font-size:11px;font-weight:800}
.split-col.good .split-list li::before{background:#fff}
.split-col.good .split-list li::after{content:'✓';position:absolute;left:5px;top:15px;color:var(--accent);font-size:12px;font-weight:800}

/* CONCERNS / ZIG-ZAG */
.concerns{padding:clamp(80px,10vw,120px) 0;background:var(--paper)}
.concerns-head{text-align:center;max-width:680px;margin:0 auto 60px}
.concerns-head h2{margin-bottom:14px}
.concerns-head p{color:var(--ink-soft);font-size:16.5px}
.concern-row{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center;margin-bottom:68px}
.concern-row:nth-child(even) .concern-copy{order:2}
.concern-row:last-child{margin-bottom:0}
@media(max-width:820px){.concern-row,.concern-row:nth-child(even){grid-template-columns:1fr;gap:26px}.concern-row:nth-child(even) .concern-copy{order:0}}
.concern-copy .eyebrow{color:var(--brand)}.concern-copy .eyebrow::before{background:var(--brand)}
.concern-copy h3{font-size:clamp(1.4rem,2.4vw,1.8rem);margin-bottom:14px}
.concern-copy p{color:var(--ink-soft);font-size:16px;line-height:1.65;margin-bottom:14px}
.concern-copy ul{list-style:none;margin-top:18px}
.concern-copy ul li{padding:8px 0 8px 28px;position:relative;font-size:14.5px;color:var(--ink-soft)}
.concern-copy ul li::before{content:'';position:absolute;left:0;top:14px;width:14px;height:2px;background:var(--accent)}
.concern-visual{position:relative;border-radius:var(--radius-lg);overflow:hidden;aspect-ratio:4/3;background:linear-gradient(135deg,var(--accent-soft),#fff);border:1px solid var(--hairline);padding:28px;display:flex;flex-direction:column;justify-content:flex-end}
.concern-visual.v1{background:linear-gradient(135deg,rgba(104,77,244,.12),#fff)}
.concern-visual.v2{background:linear-gradient(135deg,rgba(46,164,217,.14),#fff)}
.concern-visual.v3{background:linear-gradient(135deg,rgba(24,178,107,.1),#fff)}
.concern-visual h4{font-size:2.2rem;font-weight:800;color:var(--accent);letter-spacing:-.03em;margin-bottom:8px;font-family:'Instrument Serif',serif;font-style:italic;font-weight:400;font-size:clamp(2.4rem,4.2vw,3.4rem)}
.concern-visual.v2 h4{color:var(--brand)}
.concern-visual.v3 h4{color:var(--success)}
.concern-visual p{font-size:14px;color:var(--ink-soft);margin:0}
.concern-visual .concern-meta{position:absolute;top:22px;left:22px;font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-mute)}

/* HOW IT WORKS */
section.hiw{padding:clamp(80px,10vw,120px) 0;background:var(--form-bg)}
.hiw-head{text-align:center;max-width:760px;margin:0 auto 56px}
.hiw-head h2{margin-bottom:16px}
.hiw-head p{color:var(--ink-soft);font-size:16.5px;line-height:1.6}
.hiw-ai-pill{display:inline-flex;align-items:center;gap:8px;padding:7px 14px;background:rgba(104,77,244,.08);border:1px solid rgba(104,77,244,.18);border-radius:100px;font-size:12.5px;font-weight:700;color:var(--accent);margin-bottom:20px;letter-spacing:.04em;text-transform:uppercase}
.hiw-ai-pill::before{content:'⚡';font-size:14px}
.hiw-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;position:relative}
@media(max-width:900px){.hiw-grid{grid-template-columns:1fr;gap:16px}}
.hiw-card{background:var(--paper);border:1px solid var(--hairline);border-radius:var(--radius-lg);padding:32px 28px 30px;text-align:center;position:relative;transition:transform .2s var(--ease),box-shadow .2s var(--ease),border-color .2s}
.hiw-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--accent-soft)}
.hiw-numeral{font-family:'Instrument Serif',serif;font-style:italic;font-size:4rem;color:var(--accent);opacity:.14;line-height:.85;letter-spacing:-.03em;font-weight:400;margin-bottom:2px}
.hiw-icon{width:64px;height:64px;border-radius:18px;margin:0 auto 20px;background:var(--accent);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-size:26px;box-shadow:0 6px 18px rgba(104,77,244,.28);position:relative}
.hiw-card:nth-child(2) .hiw-icon{background:linear-gradient(135deg,var(--accent),var(--brand));box-shadow:0 6px 18px rgba(104,77,244,.25)}
.hiw-card:nth-child(3) .hiw-icon{background:var(--success);box-shadow:0 6px 18px rgba(24,178,107,.3)}
.hiw-card h3{margin-bottom:12px;font-size:1.2rem;color:var(--ink)}
.hiw-card p{color:var(--ink-soft);font-size:14.5px;line-height:1.6}
.hiw-card .ai-tag{display:inline-flex;align-items:center;gap:5px;padding:4px 10px;background:rgba(104,77,244,.1);color:var(--accent);font-size:10.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;border-radius:100px;margin-bottom:14px}
.hiw-card .ai-tag::before{content:'⚡';font-size:11px}
.hiw-arrow{position:absolute;top:90px;right:-18px;width:32px;height:32px;background:var(--paper);border:1.5px solid var(--hairline);border-radius:50%;display:inline-flex;align-items:center;justify-content:center;color:var(--accent);font-size:15px;font-weight:800;z-index:2;box-shadow:var(--shadow-sm)}
.hiw-card:last-child .hiw-arrow{display:none}
@media(max-width:900px){.hiw-arrow{display:none}}
.hiw-cta{text-align:center;margin-top:52px;display:flex;flex-direction:column;align-items:center;gap:12px}
.hiw-cta .meta{display:inline-flex;align-items:center;gap:8px;color:var(--success);font-size:14px;font-weight:600}
.hiw-cta .meta::before{content:'⚡';font-size:16px}

/* MARQUEE */
.marquee-section{padding:clamp(60px,7vw,90px) 0 clamp(40px,5vw,60px);overflow:hidden}
.marquee-lead{text-align:center;margin-bottom:40px;max-width:640px;margin-left:auto;margin-right:auto;padding:0 26px}
.marquee-lead h2{margin-top:14px}
.marquee-lead p{font-size:15.5px;color:var(--ink-soft);margin-top:12px}
.marquee-wrap{overflow:hidden;position:relative;mask-image:linear-gradient(90deg,transparent,#000 4%,#000 96%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 4%,#000 96%,transparent)}
.marquee-track{display:flex;gap:18px;width:max-content;animation:mscroll 60s linear infinite;padding:0 18px}
.marquee-wrap:hover .marquee-track{animation-play-state:paused}
@keyframes mscroll{from{transform:translateX(0)}to{transform:translateX(calc(-50% - 9px))}}
.mslide{flex:0 0 300px;height:340px;border-radius:var(--radius);overflow:hidden;position:relative;background:var(--form-bg);box-shadow:var(--shadow-sm);cursor:default}
.mslide::before{content:'';position:absolute;inset:0;background:linear-gradient(160deg,var(--accent-soft),var(--form-bg))}
.mslide-emoji{position:absolute;top:40px;left:50%;transform:translateX(-50%);font-size:72px;z-index:1}
.mslide-overlay{position:absolute;inset:0;background:linear-gradient(180deg,transparent 40%,rgba(11,16,48,.88));display:flex;flex-direction:column;justify-content:flex-end;padding:24px;color:#fff}
.mslide-stars{color:#F5B301;font-size:13px;letter-spacing:1px;margin-bottom:8px}
.mslide-quote{font-size:14.5px;font-weight:500;line-height:1.5;margin-bottom:10px;color:#fff}
.mslide-cite{font-size:12.5px;color:rgba(255,255,255,.72);font-weight:500}
.mslide-tag{position:absolute;top:14px;left:14px;background:rgba(255,255,255,.94);color:var(--ink);font-size:11px;font-weight:700;padding:5px 10px;border-radius:100px;z-index:2;backdrop-filter:blur(4px)}
@media(max-width:768px){.mslide{flex:0 0 250px;height:290px}}

/* PULL QUOTE */
.pull{padding:clamp(80px,10vw,120px) 0;background:linear-gradient(135deg,var(--accent) 0%,var(--accent-deep) 100%);color:#fff;position:relative;overflow:hidden}
.pull::before{content:'';position:absolute;top:-50%;left:-20%;width:60%;height:200%;background:radial-gradient(ellipse,rgba(46,164,217,.4),transparent 60%);pointer-events:none}
.pull blockquote{max-width:920px;margin:0 auto;padding:0 26px;font-size:clamp(1.6rem,3.6vw,2.5rem);line-height:1.25;text-align:center;position:relative;font-weight:600;letter-spacing:-.02em}
.pull blockquote::before{content:'\201C';font-size:clamp(5rem,8vw,7rem);color:var(--brand);position:absolute;top:-.6em;left:50%;transform:translateX(-50%);line-height:1;font-weight:900;opacity:.55;z-index:0}
.pull blockquote em{font-family:'Instrument Serif',serif;font-style:italic;color:var(--brand);font-weight:400}
.pull cite{display:block;text-align:center;font-style:normal;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,.6);margin-top:32px;font-weight:600}

/* TESTIMONIAL CAROUSEL */
section.tcarousel{padding:clamp(80px,10vw,120px) 0;overflow:hidden}
.tc-head{text-align:center;margin-bottom:48px}
.tc-head h2{margin-bottom:14px}
.tc-head p{color:var(--ink-soft);font-size:16.5px;max-width:560px;margin:0 auto}
.tc-rating{display:inline-flex;align-items:center;gap:14px;padding:12px 22px;background:var(--paper);border:1px solid var(--hairline);border-radius:100px;margin-bottom:20px;box-shadow:var(--shadow-sm)}
.tc-rating .stars{color:#F5B301;font-size:17px;letter-spacing:1px}
.tc-rating .t{font-size:14px;font-weight:600;color:var(--ink)}
.tc-rating .t span{color:var(--ink-mute);font-weight:500;margin-left:4px}
.tc-viewport{overflow:hidden}
.tc-track{display:flex;gap:22px;transition:transform .5s var(--ease);padding:10px 4px 4px}
.tc-card{flex:0 0 calc((100% - 44px) / 3);background:var(--paper);border-radius:var(--radius-lg);padding:30px 26px;border:1px solid var(--hairline);box-shadow:var(--shadow-sm);display:flex;flex-direction:column;transition:transform .18s,box-shadow .18s,border-color .18s}
.tc-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--accent-soft)}
@media(max-width:900px){.tc-card{flex:0 0 calc((100% - 22px) / 2)}}
@media(max-width:620px){.tc-card{flex:0 0 100%}}
.tc-stars{color:#F5B301;font-size:15px;letter-spacing:1px;margin-bottom:14px}
.tc-text{font-size:15px;line-height:1.6;color:var(--ink);margin-bottom:22px;flex-grow:1}
.tc-author{display:flex;align-items:center;gap:12px;padding-top:16px;border-top:1px solid var(--hairline)}
.tc-avatar{width:46px;height:46px;border-radius:50%;background:linear-gradient(135deg,var(--accent) 0%,var(--brand) 100%);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-weight:700;font-size:15px;flex-shrink:0}
.tc-name{font-weight:700;font-size:14.5px;color:var(--ink)}
.tc-loc{font-size:12.5px;color:var(--ink-mute)}
.tc-nav{display:flex;justify-content:center;align-items:center;gap:16px;margin-top:36px}
.tc-arrow{width:44px;height:44px;border-radius:50%;border:2px solid var(--hairline);background:var(--paper);color:var(--ink);cursor:pointer;font-size:18px;font-weight:600;transition:all .18s;display:inline-flex;align-items:center;justify-content:center}
.tc-arrow:hover:not(:disabled){border-color:var(--accent);background:var(--accent);color:#fff}
.tc-arrow:disabled{opacity:.4;cursor:not-allowed}
.tc-dots{display:inline-flex;gap:8px}
.tc-dot{width:8px;height:8px;border-radius:50%;background:var(--hairline);border:0;cursor:pointer;transition:all .18s;padding:0}
.tc-dot.active{background:var(--accent);width:24px;border-radius:4px}

/* FAQ */
section.faq{padding:clamp(80px,10vw,120px) 0;background:var(--form-bg)}
.faq-head{text-align:center;margin-bottom:48px}
.faq-head h2{margin-bottom:10px}
.faq-head p{color:var(--ink-soft);font-size:16px}
.faq-list{max-width:820px;margin:0 auto;display:grid;gap:12px}
.faq-item{background:var(--paper);border:1px solid var(--hairline);border-radius:var(--radius);overflow:hidden;transition:border-color .18s,box-shadow .18s}
.faq-item:hover{border-color:var(--accent)}
.faq-item.open{border-color:var(--accent);box-shadow:var(--shadow-sm)}
.faq-q{padding:22px 26px;font-size:15.5px;font-weight:600;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;align-items:center;background:none;border:0;width:100%;font-family:inherit;text-align:left;gap:20px}
.faq-toggle{width:28px;height:28px;border-radius:50%;background:var(--form-bg);color:var(--accent);display:inline-flex;align-items:center;justify-content:center;font-size:18px;font-weight:700;transition:all .24s var(--ease);flex-shrink:0}
.faq-item.open .faq-toggle{background:var(--accent);color:#fff;transform:rotate(45deg)}
.faq-a{padding:0 26px;max-height:0;overflow:hidden;transition:max-height .32s var(--ease),padding .32s var(--ease);color:var(--ink-soft);font-size:14.5px;line-height:1.65}
.faq-item.open .faq-a{max-height:500px;padding:0 26px 22px}

/* PRODUCTS GRID (for business/vehicle/personal product cards) */
.products{padding:clamp(80px,10vw,120px) 0;background:var(--paper)}
.products-head{text-align:center;max-width:680px;margin:0 auto 48px}
.products-head h2{margin-bottom:12px}
.products-head p{color:var(--ink-soft);font-size:16.5px}
.products-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:900px){.products-grid{grid-template-columns:1fr 1fr}}
@media(max-width:580px){.products-grid{grid-template-columns:1fr}}
.pcard{background:var(--form-bg);border:1px solid var(--hairline);border-radius:var(--radius);padding:26px 24px 24px;transition:transform .18s,box-shadow .18s,border-color .18s}
.pcard:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:var(--accent-soft);background:#fff}
.pcard .pc-icon{width:44px;height:44px;border-radius:12px;background:var(--accent-soft);color:var(--accent);display:inline-flex;align-items:center;justify-content:center;font-size:20px;margin-bottom:16px}
.pcard h3{font-size:1.1rem;margin-bottom:8px}
.pcard p{color:var(--ink-soft);font-size:14.5px;line-height:1.55;margin-bottom:12px}
.pcard .pc-tag{font-size:12px;font-weight:600;color:var(--accent);letter-spacing:.02em}

/* FINAL CTA */
.final-cta{padding:clamp(80px,10vw,120px) 0;background:var(--ink);color:#fff;text-align:center;position:relative;overflow:hidden}
.final-cta::before{content:'';position:absolute;top:-40%;left:50%;transform:translateX(-50%);width:80%;height:150%;background:radial-gradient(ellipse,rgba(104,77,244,.35),transparent 60%);pointer-events:none}
.final-cta-inner{position:relative;max-width:680px;margin:0 auto;padding:0 26px}
.final-cta h2{color:#fff;margin-bottom:18px}
.final-cta p{color:rgba(255,255,255,.75);font-size:17px;margin-bottom:30px}
.final-cta .btn-primary{background:var(--brand);color:#fff;box-shadow:0 3px 0 var(--brand-deep),var(--shadow-sm)}
.final-cta .btn-primary:hover{background:#fff;color:var(--accent);box-shadow:0 5px 0 var(--brand-deep),var(--shadow-md)}
.final-assure{display:flex;justify-content:center;gap:22px;font-size:13px;color:rgba(255,255,255,.55);margin-top:24px;flex-wrap:wrap}
.final-assure span::before{content:'✓';color:var(--success);font-weight:800;margin-right:6px}

/* FOOTER */
footer.site-footer{background:#05081A;color:rgba(255,255,255,.7);padding:56px 0 26px;font-size:14.5px}
.site-footer .fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px;margin-bottom:40px}
@media(max-width:820px){.site-footer .fgrid{grid-template-columns:1fr 1fr}}
.site-footer h4{color:#fff;margin:0 0 12px;font-size:13.5px;letter-spacing:.04em;text-transform:uppercase;font-weight:700}
.site-footer a{display:block;margin-bottom:8px;color:rgba(255,255,255,.65);transition:color .15s}
.site-footer a:hover{color:var(--brand)}
.site-footer .foot-logo{color:#fff;font-weight:800;font-size:1.4rem;letter-spacing:-.03em;display:inline-flex;align-items:center}
.site-footer .foot-logo .logo-dot{background:var(--brand)}
.site-footer .foot-about{color:rgba(255,255,255,.5);margin-top:14px;font-size:13px;line-height:1.6}
.fdisclosure{border-top:1px solid rgba(255,255,255,.08);padding-top:22px;font-size:12.5px;color:rgba(255,255,255,.45);line-height:1.7}
.fdisclosure strong{color:rgba(255,255,255,.7)}

/* PROSE (for legal pages) */
.prose-page{padding:clamp(50px,7vw,80px) 0 clamp(60px,8vw,100px)}
.prose-page .page-eyebrow{margin-bottom:14px}
.prose-page h1{margin-bottom:14px;font-size:clamp(2rem,4.6vw,3.4rem)}
.prose-page .lead{color:var(--ink-soft);font-size:16.5px;margin-bottom:42px;max-width:640px}
.prose{color:var(--ink-soft);font-size:15.5px;line-height:1.72}
.prose h2{font-size:clamp(1.35rem,2.4vw,1.7rem);color:var(--ink);margin:40px 0 14px;letter-spacing:-.02em;font-weight:700}
.prose h2:first-child{margin-top:0}
.prose p{margin-bottom:14px}
.prose ul,.prose ol{margin:0 0 18px 24px}
.prose li{margin-bottom:8px;color:var(--ink-soft);line-height:1.65}
.prose a{color:var(--accent);font-weight:600;border-bottom:1px solid rgba(104,77,244,.3)}
.prose a:hover{border-bottom-color:var(--accent)}
.prose strong{color:var(--ink)}
.prose .callout{background:var(--form-bg);border-left:4px solid var(--accent);border-radius:10px;padding:18px 22px;margin:24px 0}
.prose .callout p:last-child{margin-bottom:0}

@media(max-width:720px){.hero{padding:32px 0 60px}.concern-row{gap:20px}.numeric-grid{gap:1px}}