/* ============================================================
   Vertex Financial Solutions — Cobalt & Coral design system
   ============================================================ */
:root{
  --paper:#F5F7FC;
  --card:#FFFFFF;
  --ink:#0B1229;
  --muted:#5B647D;
  --line:#E3E8F4;
  --blue:#2646F5;
  --blue-deep:#1B33C9;
  --blue-soft:#E9EEFF;
  --sky:#AFC2FF;
  --navy:#070D21;
  --navy-2:#0E1735;
  --coral:#FF6547;
  --coral-deep:#E84E31;
  --coral-soft:#FFECE6;
  --red:#E5484D;
  --red-soft:#FDEBEC;
  --radius:18px;
  --radius-sm:12px;
  --shadow:0 20px 45px -22px rgba(11,18,41,.22);
  --shadow-lg:0 32px 70px -28px rgba(11,18,41,.32);
  --header-h:76px;
  --font-display:'Space Grotesk',system-ui,sans-serif;
  --font-body:'Inter',system-ui,sans-serif;
}
*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;font-family:var(--font-body);color:var(--ink);background:var(--paper);
  -webkit-font-smoothing:antialiased;overflow-x:hidden;font-size:16px;line-height:1.6;
}
h1,h2,h3,h4,h5{font-family:var(--font-display);letter-spacing:-.02em;line-height:1.12;margin:0;}
p{margin:0;}
a{color:inherit;text-decoration:none;}
button{font-family:inherit;cursor:pointer;}
img{max-width:100%;display:block;}
ul{margin:0;padding:0;list-style:none;}
::selection{background:var(--coral);color:#fff;}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:4px;}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important;}
}
[id]{scroll-margin-top:calc(var(--header-h) + 24px);}

.wrap{max-width:1200px;margin:0 auto;padding:0 28px;}
.skip-link{position:absolute;left:-999px;top:0;background:var(--blue);color:#fff;padding:12px 18px;z-index:6000;border-radius:0 0 10px 0;font-weight:600;}
.skip-link:focus{left:0;}

/* ---------- icons ---------- */
.ic{display:inline-flex;width:20px;height:20px;flex-shrink:0;}
.ic svg{width:100%;height:100%;}

/* ---------- eyebrow / headings ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:10px;font-family:var(--font-display);
  font-size:12px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--blue);
}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--coral);border-radius:2px;}
.sec-head{max-width:660px;margin-bottom:52px;}
.sec-head h2{font-size:clamp(1.9rem,3.6vw,2.7rem);font-weight:700;margin:16px 0 14px;}
.sec-head p{color:var(--muted);font-size:16.5px;line-height:1.7;}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center;}
.sec-head.center .eyebrow{justify-content:center;}
.sec-head.center .eyebrow::after{content:"";width:22px;height:2px;background:var(--coral);border-radius:2px;}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:15px 26px;border-radius:13px;font-weight:600;font-size:15px;border:1px solid transparent;
  transition:transform .25s ease,box-shadow .25s ease,background .25s ease,color .25s ease,border-color .25s ease;
  line-height:1.2;
}
.btn .ic{width:17px;height:17px;}
.btn:hover{transform:translateY(-2px);}
.btn:active{transform:translateY(0);}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 12px 26px -12px rgba(38,70,245,.55);}
.btn-primary:hover{background:var(--blue-deep);}
.btn-coral{background:var(--coral);color:#fff;box-shadow:0 12px 26px -12px rgba(255,101,71,.55);}
.btn-coral:hover{background:var(--coral-deep);}
.btn-ghost{background:var(--card);color:var(--ink);border-color:var(--line);}
.btn-ghost:hover{border-color:var(--blue);color:var(--blue);}
.btn-white{background:#fff;color:var(--ink);}
.btn-white:hover{background:var(--blue-soft);}
.btn-outline-white{background:transparent;color:#fff;border-color:rgba(255,255,255,.35);}
.btn-outline-white:hover{border-color:#fff;background:rgba(255,255,255,.08);}
.btn-navy{background:var(--navy);color:#fff;}
.btn-navy:hover{background:var(--navy-2);}
.btn-block{width:100%;}
.btn[disabled]{opacity:.7;pointer-events:none;}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:1200;height:var(--header-h);
  background:rgba(255,255,255,.88);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid var(--line);
}
.header-inner{height:var(--header-h);display:flex;align-items:center;justify-content:space-between;gap:24px;}
.brand{display:inline-flex;align-items:center;gap:11px;font-family:var(--font-display);font-weight:700;font-size:19px;letter-spacing:-.02em;}
.brand-mark{
  width:36px;height:36px;border-radius:11px;background:linear-gradient(135deg,var(--blue) 0%,var(--blue-deep) 100%);
  display:inline-flex;align-items:center;justify-content:center;color:#fff;flex-shrink:0;
  box-shadow:0 8px 18px -8px rgba(38,70,245,.7);
}
.brand-mark svg{width:19px;height:19px;}
.main-nav{display:flex;align-items:center;gap:6px;}
.main-nav a.nav-link{
  position:relative;padding:10px 15px;border-radius:10px;font-size:14.5px;font-weight:600;color:var(--muted);
  transition:color .2s ease,background .2s ease;
}
.main-nav a.nav-link:hover{color:var(--ink);background:var(--blue-soft);}
.main-nav a.nav-link.active{color:var(--blue);}
.main-nav a.nav-link.active::after{
  content:"";position:absolute;left:15px;right:15px;bottom:4px;height:2px;border-radius:2px;background:var(--coral);
}
.header-cta{margin-left:10px;padding:12px 20px;font-size:14px;}
.nav-toggle{
  display:none;background:var(--card);border:1px solid var(--line);border-radius:10px;
  width:42px;height:42px;align-items:center;justify-content:center;color:var(--ink);
}
.nav-toggle .ic{width:20px;height:20px;}
@media (max-width:920px){
  .nav-toggle{display:inline-flex;}
  .main-nav{
    position:fixed;top:var(--header-h);left:0;right:0;z-index:1190;
    background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow-lg);
    flex-direction:column;align-items:stretch;gap:4px;padding:18px 24px 24px;
    transform:translateY(-130%);opacity:0;pointer-events:none;transition:transform .35s ease,opacity .3s ease;
  }
  .main-nav.open{transform:translateY(0);opacity:1;pointer-events:auto;}
  .main-nav a.nav-link{padding:13px 14px;font-size:16px;}
  .main-nav a.nav-link.active::after{display:none;}
  .main-nav a.nav-link.active{background:var(--blue-soft);}
  .header-cta{margin:10px 0 0;justify-content:center;}
}

/* ---------- page hero (subpages) ---------- */
.page-hero{
  position:relative;background:var(--navy);color:#fff;overflow:hidden;
  padding:76px 0 84px;
}
.page-hero::before{
  content:"";position:absolute;inset:0;
  background-image:radial-gradient(rgba(175,194,255,.14) 1px,transparent 1px);
  background-size:26px 26px;
}
.page-hero::after{
  content:"";position:absolute;width:560px;height:560px;border-radius:50%;
  background:radial-gradient(circle,rgba(38,70,245,.4),transparent 65%);
  top:-260px;right:-140px;pointer-events:none;
}
.page-hero .wrap{position:relative;z-index:1;}
.crumbs{display:flex;align-items:center;gap:8px;font-size:13px;color:rgba(255,255,255,.55);margin-bottom:22px;font-weight:500;}
.crumbs a{color:rgba(255,255,255,.75);transition:color .2s;}
.crumbs a:hover{color:#fff;}
.crumbs .sep{color:var(--coral);}
.page-hero .eyebrow{color:var(--sky);}
.page-hero h1{font-size:clamp(2.2rem,4.6vw,3.4rem);font-weight:700;margin:16px 0 18px;max-width:760px;}
.page-hero .lede{color:rgba(255,255,255,.72);font-size:17px;line-height:1.7;max-width:640px;}

/* ---------- home hero ---------- */
.hero{position:relative;padding:72px 0 0;overflow:hidden;}
.hero::before{
  content:"";position:absolute;top:-180px;right:-200px;width:640px;height:640px;border-radius:50%;
  background:radial-gradient(circle,rgba(38,70,245,.12),transparent 65%);pointer-events:none;
}
.hero-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:64px;align-items:center;}
.hero-copy{padding:26px 0 56px;}
.hero-tag{
  display:inline-flex;align-items:center;gap:9px;background:var(--card);border:1px solid var(--line);
  border-radius:999px;padding:8px 16px 8px 10px;font-size:12.5px;font-weight:600;color:var(--muted);
  box-shadow:0 6px 16px -10px rgba(11,18,41,.18);margin-bottom:26px;
}
.hero-tag .dot{width:22px;height:22px;border-radius:50%;background:var(--coral-soft);color:var(--coral);display:inline-flex;align-items:center;justify-content:center;}
.hero-tag .dot .ic{width:12px;height:12px;}
.hero h1{font-size:clamp(2.5rem,5vw,4rem);font-weight:700;letter-spacing:-.03em;margin-bottom:24px;}
.hero h1 .hl{color:var(--blue);position:relative;white-space:nowrap;}
.hero h1 .hl svg{position:absolute;left:0;right:0;bottom:-8px;width:100%;height:12px;color:var(--coral);}
.hero .lede{font-size:17.5px;line-height:1.7;color:var(--muted);max-width:520px;margin-bottom:32px;}
.hero-cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:30px;}
.hero-chips{display:flex;flex-wrap:wrap;gap:9px;}
.hero-chips a{
  display:inline-flex;align-items:center;gap:7px;font-size:12.5px;font-weight:600;color:var(--muted);
  background:var(--card);border:1px solid var(--line);padding:7px 13px;border-radius:999px;
  transition:border-color .2s,color .2s,transform .2s;
}
.hero-chips a:hover{border-color:var(--blue);color:var(--blue);transform:translateY(-2px);}
.hero-chips .ic{width:13px;height:13px;color:var(--coral);}
.hero-visual{position:relative;padding:10px 0 40px;}
.hero-photo{
  position:relative;border-radius:24px;overflow:hidden;aspect-ratio:4/4.7;
  box-shadow:var(--shadow-lg);
}
.hero-photo img{width:100%;height:100%;object-fit:cover;}
.hero-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(7,13,33,.55));}
.hero-visual::before{
  content:"";position:absolute;top:-16px;right:-16px;bottom:64px;left:44px;
  border:2px solid var(--blue);border-radius:26px;opacity:.25;z-index:0;
}
.hero-visual .dots{
  position:absolute;left:-34px;bottom:6px;width:150px;height:150px;
  background-image:radial-gradient(var(--sky) 1.6px,transparent 1.6px);background-size:17px 17px;opacity:.7;
}
.hero-float{
  position:absolute;left:-30px;bottom:66px;z-index:2;max-width:300px;
  background:#fff;border-radius:16px;padding:20px 22px;box-shadow:var(--shadow-lg);
  border:1px solid var(--line);
}
.hero-float .q-ic{width:34px;height:34px;border-radius:10px;background:var(--coral-soft);color:var(--coral);display:flex;align-items:center;justify-content:center;margin-bottom:12px;}
.hero-float .q-ic .ic{width:16px;height:16px;}
.hero-float p{font-size:13.5px;line-height:1.6;color:var(--ink);font-weight:500;}
.hero-badge{
  position:absolute;top:26px;right:-14px;z-index:2;background:var(--navy);color:#fff;
  border-radius:14px;padding:13px 18px;display:flex;align-items:center;gap:11px;box-shadow:var(--shadow-lg);
}
.hero-badge .ic{width:18px;height:18px;color:var(--coral);}
.hero-badge .n{font-family:var(--font-display);font-weight:700;font-size:17px;line-height:1.1;}
.hero-badge .l{font-size:11px;color:rgba(255,255,255,.65);}
@media (max-width:1020px){
  .hero-grid{grid-template-columns:1fr;gap:26px;}
  .hero-copy{padding-bottom:10px;}
  .hero-visual{max-width:560px;margin:0 auto;width:100%;}
  .hero-float{left:12px;}
  .hero-badge{right:10px;}
}
@media (max-width:560px){
  .hero-float{position:relative;left:0;bottom:0;margin:-40px 14px 0;max-width:none;}
  .hero-visual{padding-bottom:20px;}
  .hero-visual .dots{display:none;}
}

/* ---------- stats strip ---------- */
.stats-strip{position:relative;padding:34px 0 8px;}
.stats-card{
  background:var(--card);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);
  display:grid;grid-template-columns:repeat(4,1fr);overflow:hidden;
}
.stat{padding:30px 28px;position:relative;}
.stat + .stat::before{content:"";position:absolute;left:0;top:26px;bottom:26px;width:1px;background:var(--line);}
.stat .n{font-family:var(--font-display);font-size:clamp(1.7rem,2.6vw,2.3rem);font-weight:700;color:var(--blue);letter-spacing:-.02em;}
.stat .n em{font-style:normal;color:var(--coral);}
.stat .l{font-size:13px;color:var(--muted);margin-top:6px;line-height:1.5;}
@media (max-width:860px){
  .stats-card{grid-template-columns:1fr 1fr;}
  .stat:nth-child(3)::before{display:none;}
  .stat:nth-child(n+3){border-top:1px solid var(--line);}
}
@media (max-width:460px){
  .stats-card{grid-template-columns:1fr;}
  .stat + .stat::before{display:none;}
  .stat:nth-child(n+2){border-top:1px solid var(--line);}
}

/* ---------- generic section ---------- */
.section{padding:96px 0;}
.section.tight-top{padding-top:64px;}

/* ---------- about preview / about page ---------- */
.about-grid{display:grid;grid-template-columns:.92fr 1.08fr;gap:64px;align-items:center;}
.about-media{position:relative;}
.about-media .photo{border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/3.1;}
.about-media .photo img{width:100%;height:100%;object-fit:cover;}
.about-media::before{
  content:"";position:absolute;left:-18px;top:-18px;width:120px;height:120px;border-radius:22px;
  background:var(--coral);opacity:.14;
}
.about-media .chip{
  position:absolute;right:-12px;bottom:-16px;background:var(--navy);color:#fff;border-radius:14px;
  padding:14px 18px;display:flex;align-items:center;gap:11px;box-shadow:var(--shadow-lg);
}
.about-media .chip .ic{width:18px;height:18px;color:var(--coral);}
.about-media .chip span{font-size:13px;font-weight:600;}
.about-copy h2{font-size:clamp(1.9rem,3.4vw,2.6rem);font-weight:700;margin:16px 0 20px;}
.about-copy > p{color:var(--muted);font-size:16px;line-height:1.75;margin-bottom:18px;}
.value-rows{margin:26px 0 30px;display:flex;flex-direction:column;gap:14px;}
.value-row{
  display:flex;gap:15px;align-items:flex-start;background:var(--card);border:1px solid var(--line);
  border-radius:14px;padding:16px 18px;transition:border-color .25s,transform .25s,box-shadow .25s;
}
.value-row:hover{border-color:var(--blue);transform:translateX(6px);box-shadow:var(--shadow);}
.value-row .ic-tile{
  width:42px;height:42px;border-radius:12px;background:var(--blue-soft);color:var(--blue);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.value-row .ic-tile .ic{width:19px;height:19px;}
.value-row h3{font-size:15.5px;font-weight:700;margin-bottom:3px;}
.value-row p{font-size:13.5px;color:var(--muted);line-height:1.55;}
@media (max-width:960px){
  .about-grid{grid-template-columns:1fr;gap:48px;}
  .about-media{max-width:600px;}
}
.values-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
.values-grid .value-row{flex-direction:column;padding:26px 24px;}
.values-grid .value-row:hover{transform:translateY(-5px);}
@media (max-width:900px){.values-grid{grid-template-columns:1fr;}}

/* ---------- services preview (home) ---------- */
.svc-preview{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}
.svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;}
.svc-card{
  position:relative;display:flex;flex-direction:column;background:var(--paper);border:1px solid var(--line);
  border-radius:var(--radius);padding:26px 24px 22px;overflow:hidden;
  transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease;
}
.svc-card::before{
  content:"";position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--blue),var(--coral));transform:scaleX(0);transform-origin:left;
  transition:transform .35s ease;
}
.svc-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:transparent;background:#fff;}
.svc-card:hover::before{transform:scaleX(1);}
.svc-card .ic-tile{
  width:50px;height:50px;border-radius:14px;background:var(--blue-soft);color:var(--blue);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;transition:background .3s,color .3s;
}
.svc-card:hover .ic-tile{background:var(--blue);color:#fff;}
.svc-card .ic-tile .ic{width:23px;height:23px;}
.svc-card h3{font-size:17.5px;font-weight:700;margin-bottom:9px;}
.svc-card p{font-size:13.5px;color:var(--muted);line-height:1.6;flex:1;}
.svc-card .go{
  display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-size:13px;font-weight:700;color:var(--blue);
}
.svc-card .go .count{
  background:var(--coral-soft);color:var(--coral-deep);border-radius:999px;padding:2px 9px;font-size:11.5px;
}
.svc-card .go .ic{width:15px;height:15px;transition:transform .25s;}
.svc-card:hover .go .ic{transform:translateX(4px);}
@media (max-width:1080px){.svc-grid{grid-template-columns:repeat(2,1fr);}}
@media (max-width:560px){.svc-grid{grid-template-columns:1fr;}}

/* ---------- why (navy) ---------- */
.why{background:var(--navy);color:#fff;position:relative;overflow:hidden;}
.why::before{
  content:"";position:absolute;inset:0;
  background-image:radial-gradient(rgba(175,194,255,.1) 1px,transparent 1px);background-size:28px 28px;
}
.why::after{
  content:"";position:absolute;width:600px;height:600px;border-radius:50%;left:-260px;bottom:-320px;
  background:radial-gradient(circle,rgba(255,101,71,.16),transparent 65%);
}
.why .wrap{position:relative;z-index:1;}
.why .eyebrow{color:var(--coral);}
.why .eyebrow::before{background:var(--sky);}
.why .sec-head p{color:rgba(255,255,255,.62);}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;}
.why-card{
  background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);
  padding:28px 24px;transition:background .3s,transform .3s,border-color .3s;position:relative;
}
.why-card:hover{background:rgba(255,255,255,.08);transform:translateY(-6px);border-color:rgba(175,194,255,.35);}
.why-card .num{font-family:var(--font-display);font-size:15px;font-weight:700;color:var(--coral);letter-spacing:.1em;}
.why-card .ic-tile{
  width:46px;height:46px;border-radius:13px;background:rgba(255,101,71,.16);color:var(--coral);
  display:flex;align-items:center;justify-content:center;margin:18px 0 16px;
}
.why-card .ic-tile .ic{width:21px;height:21px;}
.why-card h3{font-size:17px;font-weight:700;margin-bottom:9px;}
.why-card p{font-size:13.8px;color:rgba(255,255,255,.6);line-height:1.65;}
@media (max-width:1000px){.why-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:560px){.why-grid{grid-template-columns:1fr;}}

/* ---------- testimonials ---------- */
.t-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.t-card{
  background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px;
  display:flex;flex-direction:column;transition:transform .3s,box-shadow .3s,border-color .3s;
}
.t-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--sky);}
.t-stars{display:flex;gap:3px;color:var(--coral);margin-bottom:16px;}
.t-stars .ic{width:15px;height:15px;}
.t-stars .ic.fill svg{fill:var(--coral);}
.t-stars .ic.empty{color:var(--line);}
.t-card blockquote{margin:0;font-size:15.5px;line-height:1.7;color:var(--ink);flex:1;font-weight:500;}
.t-who{display:flex;align-items:center;gap:12px;margin-top:22px;padding-top:20px;border-top:1px solid var(--line);}
.t-avatar{
  width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--blue-deep));
  color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--font-display);
  font-size:13.5px;font-weight:700;flex-shrink:0;
}
.t-name{font-weight:700;font-size:14px;}
.t-role{font-size:12.5px;color:var(--muted);}
@media (max-width:960px){.t-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:620px){.t-grid{grid-template-columns:1fr;}}

/* ---------- CTA band ---------- */
.cta-band{
  position:relative;background:linear-gradient(120deg,var(--blue) 0%,var(--blue-deep) 70%);
  border-radius:26px;padding:58px 56px;color:#fff;overflow:hidden;
  display:flex;align-items:center;justify-content:space-between;gap:36px;box-shadow:var(--shadow-lg);
}
.cta-band::before{
  content:"";position:absolute;right:-90px;top:-120px;width:340px;height:340px;border-radius:50%;
  border:44px solid rgba(255,255,255,.08);
}
.cta-band::after{
  content:"";position:absolute;left:38%;bottom:-150px;width:280px;height:280px;border-radius:50%;
  background:radial-gradient(circle,rgba(255,101,71,.35),transparent 65%);
}
.cta-band > *{position:relative;z-index:1;}
.cta-band h2{font-size:clamp(1.7rem,3vw,2.3rem);font-weight:700;margin-bottom:12px;max-width:520px;}
.cta-band p{color:rgba(255,255,255,.78);font-size:15.5px;max-width:480px;line-height:1.65;}
.cta-actions{display:flex;flex-direction:column;gap:12px;flex-shrink:0;}
@media (max-width:900px){
  .cta-band{flex-direction:column;align-items:flex-start;padding:44px 32px;}
  .cta-actions{flex-direction:row;flex-wrap:wrap;}
}

/* ---------- FAQ ---------- */
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start;}
.faq-item{
  background:var(--card);border:1px solid var(--line);border-radius:15px;overflow:hidden;
  transition:border-color .25s,box-shadow .25s;
}
.faq-item[open]{border-color:var(--blue);box-shadow:var(--shadow);}
.faq-item summary{
  display:flex;align-items:center;justify-content:space-between;gap:16px;cursor:pointer;
  padding:19px 22px;font-family:var(--font-display);font-size:15.5px;font-weight:600;list-style:none;
}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary .plus{
  width:28px;height:28px;border-radius:50%;background:var(--blue-soft);color:var(--blue);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:transform .3s,background .3s,color .3s;
}
.faq-item summary .plus .ic{width:14px;height:14px;}
.faq-item[open] summary .plus{transform:rotate(45deg);background:var(--coral);color:#fff;}
.faq-a{padding:0 22px 20px;color:var(--muted);font-size:14px;line-height:1.7;}
@media (max-width:820px){.faq-grid{grid-template-columns:1fr;}}

/* ---------- newsletter band (home) ---------- */
.nl-band{
  background:var(--card);border:1px solid var(--line);border-radius:24px;box-shadow:var(--shadow);
  padding:46px 50px;display:flex;align-items:center;justify-content:space-between;gap:36px;overflow:hidden;position:relative;
}
.nl-band::before{
  content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;
  background:var(--coral-soft);
}
.nl-band > *{position:relative;z-index:1;}
.nl-band .nl-ic{
  width:56px;height:56px;border-radius:16px;background:var(--blue-soft);color:var(--blue);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.nl-band .nl-ic .ic{width:26px;height:26px;}
.nl-band .nl-text{flex:1;}
.nl-band h2{font-size:clamp(1.5rem,2.6vw,2rem);font-weight:700;margin-bottom:10px;}
.nl-band p{color:var(--muted);font-size:14.5px;line-height:1.65;max-width:560px;}
.nl-band p a{color:var(--blue);font-weight:600;text-decoration:underline;text-underline-offset:3px;}
.nl-band p a:hover{color:var(--coral-deep);}
@media (max-width:900px){.nl-band{flex-direction:column;align-items:flex-start;padding:36px 30px;}}

/* ---------- forms ---------- */
.form-card{
  background:var(--card);border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow);
  padding:38px 36px;
}
.form-card h2{font-size:22px;font-weight:700;margin-bottom:8px;}
.form-card .form-sub{color:var(--muted);font-size:14px;margin-bottom:26px;line-height:1.6;}
.field{margin-bottom:18px;}
.field label{display:block;font-size:13px;font-weight:600;margin-bottom:8px;color:var(--ink);}
.field label .req{color:var(--coral);}
.field input,.field textarea,.field select{
  width:100%;padding:13px 15px;border:1.5px solid var(--line);border-radius:12px;font-family:inherit;
  font-size:14.5px;background:var(--paper);color:var(--ink);transition:border-color .2s,box-shadow .2s,background .2s;
  appearance:none;-webkit-appearance:none;
}
.field select{
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%235B647D' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;padding-right:42px;
}
.field textarea{resize:vertical;min-height:120px;}
.field input:focus,.field textarea:focus,.field select:focus{
  outline:none;border-color:var(--blue);background:#fff;box-shadow:0 0 0 4px rgba(38,70,245,.12);
}
.field.invalid input,.field.invalid textarea,.field.invalid select{border-color:var(--red);background:var(--red-soft);}
.err-msg{display:none;font-size:12px;color:var(--red);margin-top:6px;font-weight:500;}
.field.invalid .err-msg{display:block;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
@media (max-width:520px){.field-row{grid-template-columns:1fr;}}
.chk-row{display:flex;gap:11px;align-items:flex-start;margin:4px 0 22px;}
.chk-row input{
  width:18px;height:18px;margin-top:2px;accent-color:var(--blue);flex-shrink:0;cursor:pointer;
}
.chk-row label{font-size:13px;color:var(--muted);line-height:1.55;cursor:pointer;}
.chk-row.invalid label{color:var(--red);}
.chk-row .err-msg{margin-top:4px;}
.chk-wrap.invalid .err-msg{display:block;}
.submit-btn{position:relative;}
.submit-btn .spinner{
  display:none;width:16px;height:16px;border:2px solid rgba(255,255,255,.4);border-top-color:#fff;
  border-radius:50%;animation:spin .7s linear infinite;
}
.submit-btn.loading .spinner{display:inline-block;}
.submit-btn.loading .btn-label-ic{display:none;}
@keyframes spin{to{transform:rotate(360deg);}}
.form-note{font-size:12.5px;color:var(--muted);margin-top:16px;text-align:center;}
.form-note a{color:var(--blue);font-weight:600;text-decoration:underline;text-underline-offset:3px;}

/* ---------- contact page ---------- */
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:26px;align-items:start;}
.contact-info{
  background:var(--navy);color:#fff;border-radius:22px;padding:40px 36px;position:relative;overflow:hidden;
}
.contact-info::before{
  content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(175,194,255,.12) 1px,transparent 1px);
  background-size:24px 24px;
}
.contact-info::after{
  content:"";position:absolute;right:-100px;bottom:-140px;width:300px;height:300px;border-radius:50%;
  background:radial-gradient(circle,rgba(38,70,245,.5),transparent 65%);
}
.contact-info > *{position:relative;z-index:1;}
.contact-info h2{font-size:24px;font-weight:700;margin-bottom:10px;}
.contact-info > p{color:rgba(255,255,255,.65);font-size:14.5px;line-height:1.65;margin-bottom:32px;}
.c-row{display:flex;gap:15px;align-items:flex-start;margin-bottom:26px;}
.c-row .ic-tile{
  width:44px;height:44px;border-radius:13px;background:rgba(255,101,71,.16);color:var(--coral);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;
}
.c-row .ic-tile .ic{width:19px;height:19px;}
.c-row h3{font-size:13px;font-weight:700;color:var(--sky);text-transform:uppercase;letter-spacing:.08em;margin-bottom:4px;}
.c-row p{font-size:14.5px;color:rgba(255,255,255,.85);line-height:1.55;}
.c-row a:hover{color:var(--coral);}
@media (max-width:920px){.contact-grid{grid-template-columns:1fr;}}

/* ---------- newsletter page ---------- */
.nl-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start;}
.nl-points{display:flex;flex-direction:column;gap:14px;margin-top:30px;}
.nl-point{display:flex;align-items:center;gap:13px;background:var(--card);border:1px solid var(--line);border-radius:13px;padding:15px 18px;}
.nl-point .ic-tile{width:38px;height:38px;border-radius:11px;background:var(--coral-soft);color:var(--coral);display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.nl-point .ic-tile .ic{width:17px;height:17px;}
.nl-point span{font-weight:600;font-size:14.5px;}
@media (max-width:920px){.nl-grid{grid-template-columns:1fr;gap:44px;}}

/* ---------- unsubscribe page ---------- */
.unsub-wrap{max-width:560px;margin:0 auto;}
.unsub-ic{
  width:64px;height:64px;border-radius:18px;background:var(--coral-soft);color:var(--coral);
  display:flex;align-items:center;justify-content:center;margin-bottom:24px;
}
.unsub-ic .ic{width:28px;height:28px;}

/* ---------- services page ---------- */
.svc-subnav{
  position:sticky;top:var(--header-h);z-index:1000;background:rgba(245,247,252,.92);
  backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--line);
}
.svc-subnav .wrap{display:flex;gap:8px;overflow-x:auto;padding-top:14px;padding-bottom:14px;scrollbar-width:none;}
.svc-subnav .wrap::-webkit-scrollbar{display:none;}
.svc-pill{
  display:inline-flex;align-items:center;gap:7px;white-space:nowrap;padding:9px 16px;border-radius:999px;
  background:var(--card);border:1px solid var(--line);font-size:13px;font-weight:600;color:var(--muted);
  transition:all .2s ease;flex-shrink:0;
}
.svc-pill .ic{width:14px;height:14px;}
.svc-pill:hover{border-color:var(--blue);color:var(--blue);}
.svc-pill.active{background:var(--blue);border-color:var(--blue);color:#fff;}
.svc-section{padding:72px 0 8px;}
.svc-section:last-of-type{padding-bottom:80px;}
.svc-section-head{display:flex;align-items:flex-start;gap:20px;margin-bottom:14px;}
.svc-section-head .ic-tile{
  width:58px;height:58px;border-radius:16px;background:var(--blue);color:#fff;
  display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:0 12px 24px -10px rgba(38,70,245,.5);
}
.svc-section-head .ic-tile .ic{width:26px;height:26px;}
.svc-section-head h2{font-size:clamp(1.5rem,2.6vw,2rem);font-weight:700;display:flex;align-items:center;gap:13px;flex-wrap:wrap;}
.svc-section-head .count{
  font-family:var(--font-body);font-size:12px;font-weight:700;background:var(--coral-soft);color:var(--coral-deep);
  padding:4px 12px;border-radius:999px;letter-spacing:.02em;
}
.svc-section-intro{color:var(--muted);font-size:15.5px;line-height:1.7;max-width:720px;margin-bottom:30px;}
.svc-items{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
.svc-item{
  background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px 22px;
  transition:transform .3s,box-shadow .3s,border-color .3s;position:relative;
}
.svc-item:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--sky);}
.svc-item .ic-s{
  width:40px;height:40px;border-radius:12px;background:var(--blue-soft);color:var(--blue);
  display:flex;align-items:center;justify-content:center;margin-bottom:15px;transition:background .3s,color .3s;
}
.svc-item:hover .ic-s{background:var(--coral);color:#fff;}
.svc-item .ic-s .ic{width:18px;height:18px;}
.svc-item h3{font-size:16px;font-weight:700;margin-bottom:8px;}
.svc-item p{font-size:13.5px;color:var(--muted);line-height:1.65;}
@media (max-width:980px){.svc-items{grid-template-columns:1fr 1fr;}}
@media (max-width:620px){.svc-items{grid-template-columns:1fr;}}
.svc-subnav + .svc-anchor-wrap [id]{scroll-margin-top:calc(var(--header-h) + 78px);}

/* ---------- legal pages ---------- */
.legal-grid{display:grid;grid-template-columns:270px 1fr;gap:56px;align-items:start;}
.legal-toc{position:sticky;top:calc(var(--header-h) + 28px);}
.legal-toc h2{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.14em;color:var(--muted);margin-bottom:16px;}
.legal-toc ol{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:2px;counter-reset:toc;}
.legal-toc a{
  display:flex;gap:10px;align-items:baseline;padding:8px 12px;border-radius:9px;font-size:13px;font-weight:500;
  color:var(--muted);transition:background .2s,color .2s;line-height:1.45;counter-increment:toc;
}
.legal-toc a::before{
  content:counter(toc,decimal-leading-zero);font-family:var(--font-display);font-size:11px;font-weight:700;color:var(--coral);
}
.legal-toc a:hover{background:var(--blue-soft);color:var(--blue);}
.legal-body{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:46px 48px;box-shadow:var(--shadow);}
.legal-section{padding:26px 0;border-bottom:1px solid var(--line);}
.legal-section:first-child{padding-top:0;}
.legal-section:last-child{border-bottom:none;padding-bottom:0;}
.legal-section h2{font-size:19px;font-weight:700;margin-bottom:12px;display:flex;gap:12px;align-items:baseline;}
.legal-section h2 .no{font-size:13px;color:var(--coral);font-weight:700;}
.legal-section p{color:var(--muted);font-size:14.5px;line-height:1.8;}
@media (max-width:960px){
  .legal-grid{grid-template-columns:1fr;gap:32px;}
  .legal-toc{position:static;}
  .legal-toc ol{flex-direction:row;flex-wrap:wrap;gap:6px;}
  .legal-toc a{background:var(--card);border:1px solid var(--line);}
  .legal-body{padding:32px 26px;}
}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:rgba(255,255,255,.72);position:relative;overflow:hidden;margin-top:96px;}
.site-footer::before{
  content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(175,194,255,.07) 1px,transparent 1px);
  background-size:26px 26px;pointer-events:none;
}
.footer-main{position:relative;display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:44px;padding:70px 0 54px;}
.footer-brand .brand{color:#fff;margin-bottom:18px;}
.footer-brand p{font-size:14px;line-height:1.7;color:rgba(255,255,255,.55);max-width:300px;}
.footer-col h3{color:#fff;font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;margin-bottom:20px;}
.footer-col ul{display:flex;flex-direction:column;gap:11px;}
.footer-col a{font-size:14px;color:rgba(255,255,255,.62);transition:color .2s,padding-left .2s;}
.footer-col a:hover{color:var(--coral);padding-left:4px;}
.footer-word{
  position:relative;font-family:var(--font-display);font-weight:700;letter-spacing:-.03em;
  font-size:clamp(3.4rem,11.5vw,9.6rem);line-height:.9;color:rgba(255,255,255,.05);
  text-align:center;user-select:none;pointer-events:none;white-space:nowrap;overflow:hidden;
  padding-top:10px;
}
.footer-bottom{
  position:relative;border-top:1px solid rgba(255,255,255,.1);padding:24px 0 28px;
  display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;
  font-size:13px;color:rgba(255,255,255,.45);
}
.footer-bottom .legal-links{display:flex;gap:22px;}
.footer-bottom a{color:rgba(255,255,255,.55);transition:color .2s;}
.footer-bottom a:hover{color:var(--coral);}
@media (max-width:920px){.footer-main{grid-template-columns:1fr 1fr;}}
@media (max-width:520px){.footer-main{grid-template-columns:1fr;gap:34px;}}

/* ---------- toast ---------- */
.toast-region{
  position:fixed;top:calc(var(--header-h) + 14px);right:20px;z-index:5000;
  display:flex;flex-direction:column;gap:12px;width:min(380px,calc(100vw - 32px));
  pointer-events:none;
}
.toast{
  pointer-events:auto;position:relative;display:flex;gap:13px;align-items:flex-start;
  background:#fff;border:1px solid var(--line);border-radius:15px;padding:16px 40px 18px 16px;
  box-shadow:var(--shadow-lg);overflow:hidden;
  animation:toastIn .45s cubic-bezier(.21,1.02,.55,1) forwards;
}
.toast.leaving{animation:toastOut .3s ease forwards;}
@keyframes toastIn{from{opacity:0;transform:translateX(60px) scale(.95);}to{opacity:1;transform:translateX(0) scale(1);}}
@keyframes toastOut{to{opacity:0;transform:translateX(60px) scale(.95);}}
.toast .t-ic{width:38px;height:38px;border-radius:11px;display:flex;align-items:center;justify-content:center;flex-shrink:0;}
.toast .t-ic .ic{width:18px;height:18px;}
.toast.success .t-ic{background:var(--blue-soft);color:var(--blue);}
.toast.error .t-ic{background:var(--red-soft);color:var(--red);}
.toast .t-title{font-family:var(--font-display);font-weight:700;font-size:14.5px;margin-bottom:2px;}
.toast .t-msg{font-size:13px;color:var(--muted);line-height:1.5;}
.toast .t-close{
  position:absolute;top:10px;right:10px;width:24px;height:24px;border:none;background:transparent;
  color:var(--muted);border-radius:7px;display:flex;align-items:center;justify-content:center;transition:background .2s,color .2s;
}
.toast .t-close:hover{background:var(--paper);color:var(--ink);}
.toast .t-close .ic{width:13px;height:13px;}
.toast .t-bar{position:absolute;left:0;bottom:0;height:3px;width:100%;transform-origin:left;}
.toast.success .t-bar{background:var(--blue);}
.toast.error .t-bar{background:var(--red);}
.toast .t-bar.run{animation:tbar linear forwards;}
@keyframes tbar{from{transform:scaleX(1);}to{transform:scaleX(0);}}
.toast:hover .t-bar.run{animation-play-state:paused;}

/* ---------- back to top ---------- */
.back-top{
  position:fixed;right:24px;bottom:24px;z-index:1500;width:48px;height:48px;border-radius:14px;
  background:var(--blue);color:#fff;border:none;display:flex;align-items:center;justify-content:center;
  box-shadow:0 14px 30px -10px rgba(38,70,245,.6);opacity:0;pointer-events:none;transform:translateY(14px);
  transition:opacity .3s,transform .3s,background .2s;
}
.back-top.show{opacity:1;pointer-events:auto;transform:translateY(0);}
.back-top:hover{background:var(--coral);}
.back-top .ic{width:19px;height:19px;}

/* ---------- reveal ---------- */
.reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease;}
.reveal.in-view{opacity:1;transform:translateY(0);}
.rd1{transition-delay:.08s;}.rd2{transition-delay:.16s;}.rd3{transition-delay:.24s;}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;}}

/* ---------- utility ---------- */
.mt-40{margin-top:40px;}
.center{text-align:center;}