/* ============================================================
   SAS Aarthik Samadhan LLP — shared styles
   Palette from brand logo: Navy / Orange / Green
   ============================================================ */
:root{
  --navy:#0A1A4F;
  --navy-2:#122566;
  --navy-3:#1B2F76;
  --orange:#E8842C;
  --orange-dark:#D06E19;
  --orange-soft:#FBEDDF;
  --green:#2F7D4A;
  --green-soft:#E9F2EB;
  --paper:#F7F5F0;
  --white:#FFFFFF;
  --ink:#141B33;
  --slate:#4A5570;
  --line:#E4E1D8;
  --line-navy:#243773;
  --radius:10px;
  --max:1160px;
  --shadow:0 10px 34px rgba(10,26,79,.08);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  font-family:'Public Sans',system-ui,sans-serif;
  color:var(--ink);background:var(--paper);
  line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Fraunces',serif;font-weight:600;line-height:1.15;color:var(--navy)}
.mono{font-family:'IBM Plex Mono',monospace}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.eyebrow{
  font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:.18em;
  text-transform:uppercase;color:var(--orange);font-weight:600;
  display:flex;align-items:center;gap:10px;margin-bottom:14px;
}
.eyebrow::before{content:"";display:inline-block;width:26px;height:2px;background:var(--green)}
.center .eyebrow{justify-content:center}
.section{padding:84px 0}
.section.tight{padding:56px 0}
.section-head{max-width:680px;margin-bottom:44px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head h2{font-size:clamp(28px,4vw,40px);margin-bottom:12px}
.section-head p{color:var(--slate);font-size:17px}
.btn{
  display:inline-block;padding:13px 26px;border-radius:6px;font-weight:600;font-size:15px;
  transition:transform .15s,box-shadow .15s;border:0;cursor:pointer;font-family:inherit;
}
.btn-orange{background:var(--orange);color:#fff}
.btn-orange:hover{transform:translateY(-1px);box-shadow:0 6px 18px rgba(232,132,44,.35)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{transform:translateY(-1px);box-shadow:0 6px 18px rgba(10,26,79,.3)}
.btn-ghost{border:1.5px solid var(--line-navy);color:#DCE3F5;background:transparent}
.btn-ghost:hover{border-color:#fff;color:#fff}
.btn-outline{border:1.5px solid var(--navy);color:var(--navy);background:transparent}
.btn-outline:hover{background:var(--navy);color:#fff}

/* ---------- Nav ---------- */
.nav{
  position:sticky;top:0;z-index:60;
  background:rgba(247,245,240,.94);backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px}
.brand-logo{height:52px;width:auto;display:block}
.brand-text{line-height:1.1}
.brand-text .b1{font-family:'Fraunces',serif;font-weight:700;font-size:18.5px;color:var(--navy);letter-spacing:.02em}
.brand-text .b2{font-family:'IBM Plex Mono',monospace;font-size:9.5px;letter-spacing:.24em;color:var(--orange);text-transform:uppercase;font-weight:500}
.nav-links{display:flex;gap:26px;align-items:center;font-size:14.5px;font-weight:500;color:var(--slate)}
.nav-links a{padding:4px 0;border-bottom:2px solid transparent;transition:color .15s,border-color .15s}
.nav-links a:hover{color:var(--navy);border-color:var(--orange)}
.nav-links a.active{color:var(--navy);border-color:var(--orange);font-weight:600}
.nav .btn{padding:10px 20px;font-size:14px}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--navy);margin:5px 0}

/* ---------- Page hero (inner pages) ---------- */
.page-hero{background:var(--navy);color:#EAEFFB;padding:72px 0 64px;position:relative;overflow:hidden}
.page-hero::after{
  content:"";position:absolute;right:-180px;top:-180px;width:520px;height:520px;border-radius:50%;
  background:radial-gradient(circle,rgba(232,132,44,.14),transparent 65%);pointer-events:none;
}
.page-hero .eyebrow{color:var(--orange)}
.page-hero h1{color:#fff;font-size:clamp(32px,4.6vw,50px);margin-bottom:14px}
.page-hero h1 em{font-style:italic;color:var(--orange)}
.page-hero p{font-size:17.5px;color:#B9C4E4;max-width:640px}

/* ---------- Home hero ---------- */
.hero{background:var(--navy);color:#EAEFFB;position:relative;overflow:hidden}
.hero::after{content:none}
.hero-inner{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center;padding:92px 0 96px}
.hero h1{color:#fff;font-size:clamp(36px,5.2vw,58px);margin-bottom:22px}
.hero h1 em{font-style:italic;color:var(--orange)}
.hero p.lede{font-size:18px;color:#B9C4E4;max-width:520px;margin-bottom:34px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}

/* deal slip card */
.slip{
  background:#fff;border-radius:var(--radius);color:var(--ink);
  box-shadow:0 24px 60px rgba(4,10,35,.45);overflow:hidden;border:1px solid rgba(255,255,255,.4);
}
.slip-top{
  background:var(--navy-2);color:#fff;padding:14px 20px;
  display:flex;justify-content:space-between;align-items:center;
  font-family:'IBM Plex Mono',monospace;font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;
}
.slip-top .dot{color:var(--orange)}
.slip table{width:100%;border-collapse:collapse;font-size:14px}
.slip td{padding:11px 20px;border-bottom:1px solid #EFEDE6}
.slip td:first-child{color:var(--slate);font-size:13px}
.slip td:last-child{text-align:right;font-family:'IBM Plex Mono',monospace;font-weight:500;color:var(--navy)}
.slip .hl td:last-child{color:var(--green);font-weight:600}
.slip-foot{padding:13px 20px;background:var(--green-soft);font-size:12.5px;color:var(--green);font-weight:600;display:flex;justify-content:space-between;font-family:'IBM Plex Mono',monospace}
.slip-note{margin-top:14px;text-align:center;font-size:12.5px;color:#8FA0CC;font-family:'IBM Plex Mono',monospace}

/* ---------- Stats band ---------- */
.stats{background:#fff;border-bottom:1px solid var(--line)}
.stats-inner{display:grid;grid-template-columns:repeat(4,1fr)}
.stat{padding:36px 28px;border-left:1px solid var(--line)}
.stat:first-child{border-left:0}
.stat .num{font-family:'IBM Plex Mono',monospace;font-size:clamp(26px,3vw,36px);font-weight:600;color:var(--navy)}
.stat .num span{color:var(--orange)}
.stat .lbl{font-size:13.5px;color:var(--slate);margin-top:4px}

/* ---------- Cards & grids ---------- */
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px}
.card .k{font-family:'IBM Plex Mono',monospace;font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;font-weight:600;color:var(--green);margin-bottom:12px}
.card .k.o{color:var(--orange)}
.card h3{font-size:20px;margin-bottom:10px}
.card p{font-size:14.5px;color:var(--slate)}
.tag{font-size:12px;font-weight:600;padding:5px 12px;border-radius:100px;background:var(--paper);border:1px solid var(--line);color:var(--slate);display:inline-block}
.pill-row{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.notebox{
  background:var(--navy);color:#DCE3F5;border-radius:var(--radius);padding:22px 28px;
  font-size:15px;margin-top:32px;
}
.notebox b{color:var(--orange)}
.notebox.g{background:var(--green-soft);color:var(--ink);border:1px solid #CBE0D0}
.notebox.g b{color:var(--green)}

/* ---------- Dark section ---------- */
.dark{background:var(--navy);color:#EAEFFB}
.dark .section-head h2,.dark h2,.dark h3{color:#fff}
.dark .section-head p{color:#B9C4E4}
.dark-card{
  background:var(--navy-2);border:1px solid var(--line-navy);border-radius:var(--radius);
  padding:26px 22px;transition:transform .18s,border-color .18s;
}
.dark-card:hover{transform:translateY(-3px);border-color:var(--orange)}
.dark-card .bar{width:26px;height:3px;background:var(--green);margin-bottom:16px;border-radius:2px}
.dark-card h3{color:#fff;font-size:17px;font-family:'Public Sans',sans-serif;font-weight:600;margin-bottom:6px}
.dark-card p{font-size:13.5px;color:#A9B6DC}

/* ---------- Leadership ---------- */
.lead-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.lead-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.lead-photo{position:relative;aspect-ratio:4/3.4;overflow:hidden;background:var(--navy)}
.lead-photo img{width:100%;height:100%;object-fit:cover;object-position:top center}
.lead-photo .role-band{
  position:absolute;left:0;right:0;bottom:0;background:linear-gradient(transparent,rgba(6,14,44,.88));
  color:#fff;padding:38px 26px 18px;
}
.lead-photo .role-band .role{font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--orange);font-weight:600}
.lead-photo .role-band h3{color:#fff;font-size:24px;margin-top:2px}
.lead-body{padding:26px}
.lead-body p{font-size:14.5px;color:var(--slate);margin-bottom:10px}
.team-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:26px}
.team-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;gap:20px;align-items:flex-start}
.team-card img{width:86px;height:86px;border-radius:50%;object-fit:cover;object-position:top;border:3px solid var(--green-soft);flex:none}
.team-card .role{font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--orange);font-weight:600}
.team-card h4{font-family:'Public Sans',sans-serif;font-size:17px;color:var(--navy);margin:2px 0 6px}
.team-card p{font-size:13.5px;color:var(--slate)}
.mgmt-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;font-size:14.5px;margin-top:26px}
.mgmt-table th{background:var(--navy);color:#fff;text-align:left;padding:13px 18px;font-weight:600;font-size:13.5px}
.mgmt-table td{padding:13px 18px;border-bottom:1px solid #EFEDE6;color:var(--slate)}
.mgmt-table td:first-child{color:var(--navy);font-weight:600}
.mgmt-table tr:last-child td{border-bottom:0}

/* ---------- Process steps ---------- */
.step{background:transparent;border:1px solid var(--line-navy);border-radius:var(--radius);padding:20px}
.step .n{font-family:'IBM Plex Mono',monospace;color:var(--orange);font-weight:600;font-size:13px}
.step p{font-size:14px;color:#C4CEEA;margin-top:8px}
.step.light{border-color:var(--line);background:#fff}
.step.light p{color:var(--slate)}

/* ---------- Bond offerings ---------- */
.filters{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:32px}
.chip{
  font-size:13.5px;font-weight:600;padding:9px 18px;border-radius:100px;cursor:pointer;
  background:#fff;border:1.5px solid var(--line);color:var(--slate);transition:all .15s;font-family:inherit;
}
.chip:hover{border-color:var(--navy);color:var(--navy)}
.chip.active{background:var(--navy);border-color:var(--navy);color:#fff}
.bond-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.bond-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:0;overflow:hidden;
  cursor:pointer;transition:transform .18s,box-shadow .18s,border-color .18s;display:flex;flex-direction:column;
}
.bond-card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--orange)}
.bond-head{padding:18px 22px 14px;border-bottom:1px solid #EFEDE6;display:flex;justify-content:space-between;align-items:flex-start;gap:10px}
.bond-head h3{font-family:'Public Sans',sans-serif;font-size:16.5px;font-weight:700;color:var(--navy);line-height:1.3}
.rating{
  font-family:'IBM Plex Mono',monospace;font-size:11.5px;font-weight:600;padding:4px 10px;border-radius:6px;
  background:var(--green-soft);color:var(--green);flex:none;
}
.rating.aa{background:var(--orange-soft);color:var(--orange-dark)}
.bond-body{padding:16px 22px;display:grid;grid-template-columns:1fr 1fr;gap:12px 10px;flex:1}
.bond-body .f .l{font-size:11.5px;color:var(--slate);text-transform:uppercase;letter-spacing:.08em;font-family:'IBM Plex Mono',monospace}
.bond-body .f .v{font-size:15px;font-weight:600;color:var(--navy);font-family:'IBM Plex Mono',monospace}
.bond-body .f .v.big{font-size:20px;color:var(--green)}
.bond-foot{
  padding:13px 22px;background:var(--paper);border-top:1px solid #EFEDE6;
  display:flex;justify-content:space-between;align-items:center;font-size:13.5px;font-weight:600;color:var(--orange);
}
.bond-foot .cat{font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);font-weight:500}
.indic{font-size:12.5px;color:var(--slate);font-family:'IBM Plex Mono',monospace;margin-top:26px}

/* ---------- Modal ---------- */
.modal-veil{
  position:fixed;inset:0;background:rgba(8,15,40,.6);backdrop-filter:blur(3px);
  display:none;align-items:center;justify-content:center;z-index:100;padding:20px;
}
.modal-veil.open{display:flex}
.modal{
  background:#fff;border-radius:14px;max-width:440px;width:100%;overflow:hidden;
  box-shadow:0 30px 80px rgba(4,10,35,.5);animation:pop .22s ease;
}
@keyframes pop{from{transform:translateY(14px) scale(.98);opacity:0}to{transform:none;opacity:1}}
@media (prefers-reduced-motion:reduce){.modal{animation:none}}
.modal-head{background:var(--navy);color:#fff;padding:22px 26px;position:relative}
.modal-head .k{font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--orange);font-weight:600}
.modal-head h3{color:#fff;font-size:19px;margin-top:4px;font-family:'Public Sans',sans-serif;font-weight:700}
.modal-x{
  position:absolute;top:14px;right:14px;background:rgba(255,255,255,.12);border:0;color:#fff;
  width:32px;height:32px;border-radius:50%;cursor:pointer;font-size:16px;line-height:1;
}
.modal-x:hover{background:rgba(255,255,255,.24)}
.modal-body{padding:26px}
.modal-body p{font-size:14.5px;color:var(--slate);margin-bottom:20px}
.modal-actions{display:grid;gap:12px}
.m-act{
  display:flex;align-items:center;gap:14px;padding:15px 18px;border-radius:10px;border:1.5px solid var(--line);
  font-weight:600;font-size:15px;color:var(--navy);transition:border-color .15s,background .15s;
}
.m-act:hover{border-color:var(--orange);background:var(--orange-soft)}
.m-act .ic{
  width:38px;height:38px;border-radius:8px;display:flex;align-items:center;justify-content:center;flex:none;font-size:17px;
}
.m-act.call .ic{background:var(--orange-soft);color:var(--orange)}
.m-act.mail .ic{background:#EAF0FB;color:var(--navy)}
.m-act.wa .ic{background:var(--green-soft);color:var(--green)}
.m-act small{display:block;font-weight:500;font-size:12.5px;color:var(--slate)}

/* ---------- Knowledge components ---------- */
.two-roads{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.road{border-radius:var(--radius);padding:28px;border:1px solid var(--line)}
.road.equity{background:#FBEAE4}
.road.debt{background:#E7EFF6}
.road h3{font-size:19px;margin-bottom:4px}
.road .sub{font-size:13px;font-style:italic;margin-bottom:16px;font-weight:600}
.road.equity .sub{color:#C05B3E}
.road.debt .sub{color:#1B6E8F}
.road ul{list-style:none}
.road li{font-size:14.5px;color:var(--slate);padding:7px 0 7px 22px;position:relative}
.road li::before{content:"•";position:absolute;left:6px;color:var(--orange)}
.road.debt li::before{color:var(--green)}
.queue-row{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:26px}
.q-card{background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);padding:18px;text-align:center;position:relative}
.q-card .qn{
  width:36px;height:36px;border-radius:50%;margin:0 auto 10px;display:flex;align-items:center;justify-content:center;
  font-family:'IBM Plex Mono',monospace;font-weight:600;color:#fff;
}
.q-card:nth-child(1) .qn{background:var(--green)}
.q-card:nth-child(2) .qn{background:#1B6E8F}
.q-card:nth-child(3) .qn{background:var(--orange)}
.q-card:nth-child(4) .qn{background:#C0503A}
.q-card p{font-size:13.5px;font-weight:600;color:var(--navy)}
.q-card small{font-size:12px;color:var(--slate);font-weight:400}
.terms-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.term{background:#fff;border:1px solid var(--line);border-left:4px solid var(--green);border-radius:8px;padding:20px 22px}
.term:nth-child(2){border-left-color:#1B6E8F}
.term:nth-child(3){border-left-color:var(--orange)}
.term:nth-child(4){border-left-color:var(--green)}
.term:nth-child(5){border-left-color:#C0503A}
.term h4{font-family:'Public Sans',sans-serif;font-size:16px;margin-bottom:6px}
.term p{font-size:13.5px;color:var(--slate)}
/* cashflow timeline */
.flow{display:flex;align-items:flex-end;gap:10px;margin:34px 0 8px;overflow-x:auto;padding-bottom:6px}
.flow .bar-g{flex:1;min-width:64px;text-align:center}
.flow .b{
  border-radius:6px 6px 0 0;margin:0 auto;width:100%;
  display:flex;align-items:center;justify-content:center;color:#fff;
  font-family:'IBM Plex Mono',monospace;font-size:12px;font-weight:600;padding:6px 2px;
}
.flow .start .b{background:var(--navy);height:74px}
.flow .cpn .b{background:#1B6E8F;height:58px}
.flow .fin .b{background:var(--orange);height:120px;flex-direction:column;line-height:1.3}
.flow .yr{font-size:12px;color:var(--slate);margin-top:8px;font-family:'IBM Plex Mono',monospace}
.repay-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:26px}
.repay{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:#fff}
.repay .rh{padding:14px 22px;color:#fff;font-weight:700;font-size:15px;letter-spacing:.04em}
.repay:first-child .rh{background:#1B6E8F}
.repay:last-child .rh{background:var(--orange)}
.repay .rb{padding:20px 22px;font-size:14.5px;color:var(--slate)}
/* family blocks */
.family{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;margin-bottom:26px}
.family .fam-top{display:flex;justify-content:space-between;gap:20px;align-items:flex-start;flex-wrap:wrap;margin-bottom:18px}
.family h3{font-size:22px}
.family .fam-k{font-family:'IBM Plex Mono',monospace;font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--orange);font-weight:600}
.family p.desc{color:var(--slate);font-size:15px;max-width:720px;margin-bottom:16px}
.family ul{list-style:none;columns:2;column-gap:40px}
.family li{font-size:14px;color:var(--slate);padding:6px 0 6px 22px;position:relative;break-inside:avoid}
.family li::before{content:"—";position:absolute;left:0;color:var(--green)}
.fam-stats{display:flex;gap:12px;flex-wrap:wrap}
.fam-stat{background:var(--paper);border:1px solid var(--line);border-radius:8px;padding:10px 16px;text-align:center}
.fam-stat b{display:block;font-family:'IBM Plex Mono',monospace;color:var(--navy);font-size:15px}
.fam-stat span{font-size:11.5px;color:var(--slate)}
/* ratings ladder */
.ladder{display:grid;gap:8px;max-width:560px}
.rung{display:flex;align-items:center;gap:16px}
.rung .r{
  width:92px;text-align:center;padding:8px 0;border-radius:6px;color:#fff;
  font-family:'IBM Plex Mono',monospace;font-weight:600;font-size:13.5px;flex:none;
}
.rung span{font-size:14px;color:var(--slate)}
/* comparison table */
.cmp{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);font-size:14px}
.cmp th{padding:14px 16px;text-align:center;color:#fff;font-weight:700;font-size:14px}
.cmp th:first-child{background:#fff;border-bottom:1px solid var(--line)}
.cmp th.bond{background:var(--navy)}
.cmp th.fd{background:var(--orange)}
.cmp th.mf{background:var(--green)}
.cmp th.eq{background:#C0503A}
.cmp td{padding:12px 16px;border-bottom:1px solid #EFEDE6;text-align:center;color:var(--slate)}
.cmp td:first-child{text-align:left;font-weight:600;color:var(--navy);background:#FBFAF7}
.cmp td.hl{color:var(--navy);font-weight:600;background:#F0F4FB}
.cmp tr:last-child td{border-bottom:0}
/* seesaw */
.seesaw{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.see{border-radius:var(--radius);padding:26px;text-align:center;border:1px solid var(--line);background:#fff}
.see .arrows{font-size:30px;margin-bottom:10px}
.see h4{font-family:'Public Sans',sans-serif;font-size:16px;margin-bottom:8px}
.see p{font-size:14px;color:var(--slate)}
.see .ex{margin-top:12px;font-family:'IBM Plex Mono',monospace;font-size:13px;padding:8px 14px;border-radius:6px;display:inline-block}
.see.up .ex{background:#FBEAE4;color:#C0503A}
.see.down .ex{background:var(--green-soft);color:var(--green)}
/* calculator */
.calc{background:var(--navy);border-radius:14px;padding:36px;color:#fff;box-shadow:0 24px 60px rgba(4,10,35,.35)}
.calc h3{color:#fff;margin-bottom:6px}
.calc .sub{color:#B9C4E4;font-size:14px;margin-bottom:26px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:36px}
.calc label{display:block;font-size:12px;font-family:'IBM Plex Mono',monospace;letter-spacing:.12em;text-transform:uppercase;color:#8FA0CC;margin:18px 0 6px}
.calc label:first-child{margin-top:0}
.calc input{
  width:100%;padding:12px 14px;border-radius:8px;border:1.5px solid var(--line-navy);
  background:var(--navy-2);color:#fff;font-family:'IBM Plex Mono',monospace;font-size:16px;
}
.calc input:focus{outline:2px solid var(--orange);border-color:var(--orange)}
.calc-out{background:var(--navy-2);border:1px solid var(--line-navy);border-radius:10px;padding:24px}
.calc-out .row{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid var(--line-navy);font-size:14.5px;color:#B9C4E4}
.calc-out .row:last-child{border-bottom:0}
.calc-out .row b{font-family:'IBM Plex Mono',monospace;color:#fff;font-weight:600}
.calc-out .row.total b{color:var(--orange);font-size:19px}
.calc-note{font-size:12px;color:#8FA0CC;margin-top:14px;font-family:'IBM Plex Mono',monospace}

/* ---------- FAQ ---------- */
.faq{max-width:760px;margin:0 auto}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:12px;overflow:hidden}
.faq-q{
  width:100%;text-align:left;padding:18px 22px;background:none;border:0;cursor:pointer;
  font-family:inherit;font-size:15.5px;font-weight:600;color:var(--navy);
  display:flex;justify-content:space-between;align-items:center;gap:16px;
}
.faq-q::after{content:"+";font-size:22px;color:var(--orange);font-weight:400;transition:transform .2s}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq-a p{padding:0 22px 20px;font-size:14.5px;color:var(--slate)}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.c-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px}
.c-card .k{font-family:'IBM Plex Mono',monospace;font-size:11.5px;letter-spacing:.16em;text-transform:uppercase;font-weight:600;color:var(--orange);margin-bottom:12px}
.c-card h3{font-size:19px;margin-bottom:8px}
.c-card p{font-size:15px;color:var(--slate)}
.c-card a{color:var(--navy);font-weight:600;border-bottom:1.5px solid var(--orange)}
.c-card .big{font-size:17px;margin-top:4px}

/* ---------- CTA band ---------- */
.cta{background:var(--orange);color:#fff}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:32px;padding:60px 0;flex-wrap:wrap}
.cta h2{color:#fff;font-size:clamp(26px,3.6vw,36px)}
.cta p{color:rgba(255,255,255,.88);margin-top:6px;max-width:520px}
.cta .btn{background:var(--navy);color:#fff;padding:15px 32px}
.cta .btn:hover{box-shadow:0 8px 22px rgba(10,26,79,.4)}

/* ---------- Footer ---------- */
footer{background:var(--navy);color:#8FA0CC;padding:52px 0 36px;font-size:13.5px}
.foot-top{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px;padding-bottom:30px;border-bottom:1px solid var(--line-navy);margin-bottom:24px}
.foot-brand .b1{font-family:'Fraunces',serif;color:#fff;font-size:19px;font-weight:600}
.foot-brand .b2{font-family:'IBM Plex Mono',monospace;font-size:10px;letter-spacing:.22em;text-transform:uppercase;color:var(--orange);margin-bottom:14px}
.foot-brand p{font-size:13px;line-height:1.7;max-width:300px}
footer h5{color:#fff;font-size:13px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:14px;font-family:'Public Sans',sans-serif}
footer ul{list-style:none}
footer li{margin-bottom:9px}
footer a:hover{color:#fff}
.disclaimer{font-size:11.5px;line-height:1.7;color:#6B7BAD}

/* ---------- WhatsApp float ---------- */
.wa-float{
  position:fixed;bottom:24px;right:24px;z-index:70;width:56px;height:56px;border-radius:50%;
  background:#25D366;display:flex;align-items:center;justify-content:center;
  box-shadow:0 10px 26px rgba(20,60,30,.35);transition:transform .15s;
}
.wa-float:hover{transform:scale(1.08)}
.wa-float svg{width:30px;height:30px;fill:#fff}

/* reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .hero-inner{grid-template-columns:1fr;gap:48px;padding:72px 0}
  .brand-logo{height:40px}
  .hero-bg::after{background:linear-gradient(180deg,rgba(10,26,79,.90) 0%,rgba(10,26,79,.80) 55%,rgba(10,26,79,.90) 100%)}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3,.bond-grid,.contact-grid,.terms-grid{grid-template-columns:1fr 1fr}
  .stats-inner{grid-template-columns:repeat(2,1fr)}
  .stat{border-left:0;border-top:1px solid var(--line)}
  .stat:nth-child(-n+2){border-top:0}
  .lead-grid,.calc-grid{grid-template-columns:1fr}
  .foot-top{grid-template-columns:1fr 1fr}
  .family ul{columns:1}
}
@media (max-width:680px){
  .nav-links{
    display:none;position:absolute;top:74px;left:0;right:0;background:var(--paper);
    flex-direction:column;padding:20px 24px;gap:18px;border-bottom:1px solid var(--line);align-items:flex-start;
  }
  .nav-links.open{display:flex}
  .nav-toggle{display:block}
  .grid-2,.grid-3,.grid-4,.bond-grid,.contact-grid,.terms-grid,.two-roads,.seesaw,.repay-grid,.team-grid{grid-template-columns:1fr}
  .queue-row{grid-template-columns:1fr 1fr}
  .stats-inner{grid-template-columns:1fr 1fr}
  .section{padding:60px 0}
  .foot-top{grid-template-columns:1fr}
  .brand-text .b1{font-size:16px}
}

/* ===== v2 additions ===== */
.who-selector{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:8px}
.who-btn{background:#fff;border:1.5px solid var(--line);border-radius:var(--radius);padding:22px 16px;text-align:center;cursor:pointer;transition:all .16s;font-family:inherit}
.who-btn:hover{border-color:var(--orange);transform:translateY(-3px);box-shadow:var(--shadow)}
.who-btn .ic{font-size:26px;display:block;margin-bottom:10px}
.who-btn h4{font-family:'Public Sans',sans-serif;font-size:14.5px;color:var(--navy);margin:0}
.who-panel{display:none;margin-top:22px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--orange);border-radius:var(--radius);padding:26px 30px}
.who-panel.on{display:block;animation:fade .3s ease}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.who-panel h3{font-size:20px;margin-bottom:8px}
.who-panel p{color:var(--slate);font-size:15px;margin-bottom:10px}
.who-panel .legal{font-size:13px;font-family:'IBM Plex Mono',monospace;color:var(--green);background:var(--green-soft);border-radius:6px;padding:10px 14px;margin-top:12px;display:inline-block}

/* testimonials */
.quote-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 30px;position:relative}
.quote .mark{font-family:'Fraunces',serif;font-size:60px;line-height:.5;color:var(--orange);opacity:.25;position:absolute;top:24px;right:24px}
.quote p{font-size:15.5px;color:var(--ink);font-style:italic;margin-bottom:18px;position:relative;z-index:1}
.quote .who{display:flex;align-items:center;gap:12px}
.quote .av{width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Fraunces',serif;font-weight:600;font-size:18px;flex:none}
.quote .who .n{font-weight:600;color:var(--navy);font-size:14.5px}
.quote .who .r{font-size:12.5px;color:var(--slate)}
.quote .stars{color:var(--orange);font-size:13px;letter-spacing:2px;margin-bottom:10px}

/* legal / permissions table */
.legal-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;margin-bottom:18px}
.legal-card summary{padding:20px 26px;cursor:pointer;font-weight:600;color:var(--navy);font-size:16.5px;display:flex;align-items:center;gap:14px;list-style:none;transition:background .15s}
.legal-card summary::-webkit-details-marker{display:none}
.legal-card summary:hover{background:var(--paper)}
.legal-card summary .ic{width:40px;height:40px;border-radius:9px;background:var(--green-soft);color:var(--green);display:flex;align-items:center;justify-content:center;font-size:19px;flex:none}
.legal-card summary::after{content:"+";margin-left:auto;font-size:24px;color:var(--orange);font-weight:400;transition:transform .2s}
.legal-card[open] summary::after{transform:rotate(45deg)}
.legal-body{padding:4px 26px 24px 80px}
.legal-body p{color:var(--slate);font-size:14.5px;margin-bottom:12px}
.legal-body .ref{font-family:'IBM Plex Mono',monospace;font-size:12.5px;background:var(--paper);border:1px solid var(--line);border-radius:6px;padding:4px 10px;color:var(--navy);display:inline-block;margin:2px 4px 2px 0}
.legal-body .verdict{background:var(--green-soft);border-radius:8px;padding:12px 16px;font-size:14px;color:var(--green);font-weight:600;margin-top:8px}

/* compliance cards */
.comp-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.comp{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;display:flex;gap:18px;align-items:flex-start}
.comp .ic{width:46px;height:46px;border-radius:10px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:20px;flex:none}
.comp h3{font-size:17px;font-family:'Public Sans',sans-serif;font-weight:700;margin-bottom:6px}
.comp p{font-size:14px;color:var(--slate)}

/* callback form */
.leadform{background:#fff;border:1px solid var(--line);border-radius:14px;padding:32px;box-shadow:var(--shadow)}
.leadform .fld{margin-bottom:16px}
.leadform label{display:block;font-size:12.5px;font-family:'IBM Plex Mono',monospace;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);margin-bottom:6px}
.leadform input,.leadform select,.leadform textarea{width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:8px;font-family:inherit;font-size:15px;color:var(--ink);background:#fff}
.leadform input:focus,.leadform select:focus,.leadform textarea:focus{outline:2px solid var(--orange);border-color:var(--orange)}
.leadform .row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.leadform .btn{width:100%;margin-top:6px;border:0;font-size:16px;padding:15px}
.lead-ok{display:none;background:var(--green-soft);border:1px solid #CBE0D0;color:var(--green);padding:16px 18px;border-radius:10px;font-size:14.5px;font-weight:600;margin-top:14px}
.lead-ok.on{display:block}

/* blog / market intelligence */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.post{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:transform .16s,box-shadow .16s}
.post:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.post .ph{height:8px}
.post .pbody{padding:24px 26px;flex:1;display:flex;flex-direction:column}
.post .cat{font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--orange);font-weight:600;margin-bottom:10px}
.post h3{font-size:18px;margin-bottom:8px;line-height:1.3}
.post p{font-size:14px;color:var(--slate);flex:1}
.post .date{font-size:12.5px;color:var(--slate);font-family:'IBM Plex Mono',monospace;margin-top:16px;padding-top:14px;border-top:1px solid #EFEDE6}
.feature-post{background:var(--navy);color:#EAEFFB;border-radius:14px;padding:40px;margin-bottom:26px;position:relative;overflow:hidden}
.feature-post::after{content:"";position:absolute;right:-120px;top:-120px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(232,132,44,.16),transparent 65%)}
.feature-post .cat{color:var(--orange);font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:.14em;text-transform:uppercase;font-weight:600}
.feature-post h2{color:#fff;font-size:28px;margin:10px 0 12px;max-width:640px}
.feature-post p{color:#B9C4E4;max-width:640px;font-size:16px}
.feature-post .date{color:#8FA0CC;font-family:'IBM Plex Mono',monospace;font-size:13px;margin-top:18px}

/* newsletter */
.news-band{background:var(--navy-2);border-radius:14px;padding:36px 40px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.news-band h3{color:#fff;font-size:22px;margin-bottom:4px}
.news-band p{color:#B9C4E4;font-size:14.5px}
.news-form{display:flex;gap:10px;flex:1;min-width:280px;max-width:440px}
.news-form input{flex:1;padding:13px 16px;border-radius:8px;border:1.5px solid var(--line-navy);background:var(--navy);color:#fff;font-family:inherit;font-size:15px}
.news-form input:focus{outline:2px solid var(--orange);border-color:var(--orange)}

/* admin page */
.admin-wrap{max-width:920px;margin:0 auto;padding:40px 24px 80px}
.admin-step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 32px;margin-bottom:20px}
.admin-step .sn{display:inline-flex;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;align-items:center;justify-content:center;font-family:'IBM Plex Mono',monospace;font-weight:600;font-size:14px;margin-right:10px}
.admin-step h3{display:flex;align-items:center;font-size:19px;margin-bottom:12px}
.admin-step p{color:var(--slate);font-size:14.5px;margin-bottom:12px}
.admin-step code{background:var(--paper);border:1px solid var(--line);border-radius:5px;padding:2px 7px;font-family:'IBM Plex Mono',monospace;font-size:13px;color:var(--navy)}
.admin-step pre{background:var(--navy);color:#DCE3F5;border-radius:8px;padding:16px 18px;overflow-x:auto;font-family:'IBM Plex Mono',monospace;font-size:12.5px;line-height:1.7;margin:12px 0}
.admin-gate{max-width:400px;margin:80px auto;background:#fff;border:1px solid var(--line);border-radius:14px;padding:36px;text-align:center;box-shadow:var(--shadow)}
.admin-gate h2{font-size:22px;margin-bottom:8px}
.admin-gate p{color:var(--slate);font-size:14px;margin-bottom:20px}
.admin-gate input{width:100%;padding:13px 16px;border:1.5px solid var(--line);border-radius:8px;font-size:16px;margin-bottom:14px;text-align:center;font-family:'IBM Plex Mono',monospace}
.admin-tbl{width:100%;border-collapse:collapse;font-size:13px;margin:14px 0}
.admin-tbl th{background:var(--navy);color:#fff;padding:9px 10px;text-align:left;font-size:12px}
.admin-tbl td{padding:8px 10px;border-bottom:1px solid #EFEDE6;color:var(--slate)}
.admin-note{background:var(--orange-soft);border:1px solid #F2D4B5;border-radius:8px;padding:14px 18px;font-size:13.5px;color:var(--orange-dark);margin:14px 0}
.builder-row{display:grid;grid-template-columns:2fr 1fr 1fr 1fr auto;gap:8px;margin-bottom:8px}
.builder-row input{padding:9px 10px;border:1.5px solid var(--line);border-radius:6px;font-size:13px;font-family:inherit}
.builder-row button{background:#C0503A;color:#fff;border:0;border-radius:6px;cursor:pointer;padding:0 12px;font-size:16px}
@media(max-width:900px){
  .who-selector{grid-template-columns:1fr 1fr}
  .quote-grid,.comp-grid,.post-grid{grid-template-columns:1fr}
  .builder-row{grid-template-columns:1fr 1fr}
}

/* hero pictorial background (photo) */
.hero{position:relative;overflow:hidden}
.hero::after{content:none}
.hero-bg{
  position:absolute;inset:0;z-index:0;
  background-image:url('bg.png');
  background-size:cover;
  background-position:center center;
  background-repeat:no-repeat;
  background-size:cover;
  background-position:right center;
}
.hero-bg::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(90deg, rgba(10,26,79,.94) 0%, rgba(10,26,79,.86) 34%, rgba(10,26,79,.55) 62%, rgba(10,26,79,.35) 100%);
}
.hero .wrap{position:relative;z-index:2}

.page{display:none}.page.on{display:block}