/* ==========================================================================
   Credible Investments — stylesheet
   Brand colours taken from the supplied logo: lime #BFD73E, navy #2E4B94, slate #4B4B4D
   ========================================================================== */

:root{
  --lime:#BFD73E;
  --lime-soft:#E4EFA9;
  --lime-wash:#F2F7DE;
  --navy:#2E4B94;
  --navy-deep:#16264F;
  --slate:#4B4B4D;
  --slate-soft:#6E6E72;
  --paper:#F5F7EF;
  --white:#FFFFFF;
  --line:#E1E5D8;
  --line-dark:rgba(191,215,62,.22);

  --ff-display:"Bricolage Grotesque","Segoe UI",system-ui,sans-serif;
  --ff-body:"Instrument Sans","Segoe UI",system-ui,sans-serif;
  --ff-mono:"IBM Plex Mono",ui-monospace,monospace;

  --wrap:1240px;
  --pad:clamp(18px,4vw,44px);
  --r:14px;
  --r-lg:22px;
  --shadow:0 16px 40px -26px rgba(22,38,79,.45);
  --shadow-lg:0 28px 66px -32px rgba(22,38,79,.55);
}

*,*::before,*::after{box-sizing:border-box}
html{font-size:110%;-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:120px}
body{margin:0;background:var(--white);color:var(--slate);font-family:var(--ff-body);
  font-size:1rem;line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:none}
button{font:inherit}
ul{margin:0}

/* headings: short, single line by design — no forced breaks */
h1,h2,h3,h4{font-family:var(--ff-display);color:var(--navy-deep);font-weight:700;
  line-height:1.18;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(1.62rem,2.5vw,2.35rem);font-weight:800;line-height:1.14}
h2{font-size:clamp(1.5rem,2.2vw,2rem)}
h3{font-size:clamp(1.05rem,1.4vw,1.25rem)}
h4{font-size:1rem}
p{margin:0 0 1.05em}
em{font-style:normal;color:var(--navy)}
.wrap{width:min(100% - (var(--pad)*2),var(--wrap));margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* four-dot mark from the logo, used as a small structural marker */
.dots{display:inline-grid;grid-template-columns:repeat(2,1fr);gap:2px;width:14px;flex:0 0 14px}
.dots i{display:block;width:6px;height:6px;border-radius:50%;background:var(--lime)}
.dots.navy i{background:var(--navy)}

.eyebrow{display:inline-flex;align-items:center;gap:9px;font-family:var(--ff-mono);
  font-size:.7rem;font-weight:500;letter-spacing:.16em;text-transform:uppercase;
  color:var(--navy);margin:0 0 14px}
.sec-navy .eyebrow,.hero .eyebrow{color:var(--lime)}

/* ------------------------------- buttons -------------------------------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 26px;border-radius:100px;font-family:var(--ff-display);font-weight:600;
  font-size:.94rem;border:1.5px solid transparent;cursor:pointer;
  transition:transform .18s,background .18s,color .18s,border-color .18s}
.btn:hover{transform:translateY(-2px)}
.btn-lime{background:var(--lime);color:var(--navy-deep);border-color:var(--lime)}
.btn-lime:hover{background:#CCE054}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-deep)}
.btn-ghost{border-color:rgba(255,255,255,.42);color:#fff}
.btn-ghost:hover{border-color:var(--lime);color:var(--lime)}
.btn-outline{border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-sm{padding:10px 18px;font-size:.86rem}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}

/* ------------------------------- header --------------------------------- */
.topbar{background:var(--navy-deep);color:#C4CFE6;font-family:var(--ff-mono);font-size:.72rem;letter-spacing:.03em}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:36px}
.topbar a{color:#C4CFE6}
.topbar a:hover{color:var(--lime)}
.topbar .arn{color:var(--lime)}
.topbar-links{display:flex;gap:18px;white-space:nowrap}

.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.96);
  backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;gap:14px;min-height:72px}
.brand{flex:0 0 auto;margin-right:auto}
.brand img{height:42px;width:auto;border-radius:5px}

.nav{display:flex;align-items:center;gap:8px;list-style:none;padding:0}
.nav > li{position:relative}
.nav ul{list-style:none;margin:0;padding:0}
.nav > li > a,.nav > li > button{display:flex;align-items:center;gap:7px;padding:10px 14px;
  border-radius:9px;font-size:.9rem;font-weight:500;color:var(--slate);background:none;
  border:0;cursor:pointer;transition:.16s;white-space:nowrap}
.nav > li > a:hover,.nav > li > button:hover,.nav > li.open > button{color:var(--navy);background:var(--lime-wash)}
.nav > li > a.current{color:var(--navy);font-weight:600;background:var(--lime-wash)}
.caret{width:7px;height:7px;border-right:1.8px solid currentColor;border-bottom:1.8px solid currentColor;
  transform:rotate(45deg) translateY(-2px);transition:.2s}
.nav li.open .caret{transform:rotate(-135deg) translateY(-2px)}
.submenu{position:absolute;top:calc(100% + 9px);left:0;min-width:262px;background:#fff;
  border:1px solid var(--line);border-radius:13px;padding:7px;box-shadow:var(--shadow-lg);
  opacity:0;visibility:hidden;transform:translateY(-7px);transition:.18s}
.nav li.open .submenu{opacity:1;visibility:visible;transform:none}
.submenu a{display:block;padding:9px 12px;border-radius:8px;font-size:.87rem;color:var(--slate)}
.submenu a:hover{background:var(--lime-wash);color:var(--navy)}
.submenu .sep{height:1px;background:var(--line);margin:6px 10px}

/* two persistent call-to-action buttons — visible on desktop, tablet and mobile */
.header-cta{display:flex;align-items:center;gap:8px;flex:0 0 auto}
.hbtn{display:inline-flex;align-items:center;gap:7px;padding:9px 15px;border-radius:100px;
  font-family:var(--ff-display);font-weight:600;font-size:.82rem;white-space:nowrap;
  border:1.5px solid transparent;transition:.18s}
.hbtn svg{width:15px;height:15px;stroke-width:2;fill:none;stroke:currentColor;
  stroke-linecap:round;stroke-linejoin:round;flex:0 0 15px}
.hbtn.login{background:var(--navy);color:#fff;border-color:var(--navy)}
.hbtn.login:hover{background:var(--navy-deep)}
.hbtn.analytics{background:var(--lime);color:var(--navy-deep);border-color:var(--lime)}
.hbtn.analytics:hover{background:#CCE054}

.burger{display:none;width:42px;height:42px;border:1px solid var(--line);background:#fff;
  border-radius:10px;cursor:pointer;padding:0;position:relative;flex:0 0 42px}
.burger span{position:absolute;left:11px;width:20px;height:2px;background:var(--navy);border-radius:2px;transition:.22s}
.burger span:nth-child(1){top:14px}.burger span:nth-child(2){top:20px}.burger span:nth-child(3){top:26px}
body.menu-open .burger span:nth-child(1){transform:translateY(6px) rotate(45deg)}
body.menu-open .burger span:nth-child(2){opacity:0}
body.menu-open .burger span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* --------------------------- mobile drawer ------------------------------ */
.mobile-nav{position:fixed;inset:0;z-index:70;background:var(--navy-deep);padding:20px var(--pad) 60px;
  overflow-y:auto;transform:translateX(100%);transition:transform .3s cubic-bezier(.4,0,.2,1);
  display:flex;flex-direction:column}
body.menu-open .mobile-nav{transform:none}
.m-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.m-top img{height:38px;border-radius:5px}
.m-close{width:42px;height:42px;border-radius:10px;border:1px solid rgba(255,255,255,.25);
  background:none;color:#fff;font-size:1.3rem;cursor:pointer;line-height:1}
.m-link,.m-toggle{display:flex;align-items:center;justify-content:space-between;width:100%;
  color:#E9EFF9;font-family:var(--ff-display);font-weight:600;font-size:1.02rem;padding:14px 0;
  border-bottom:1px solid rgba(255,255,255,.1);background:none;border-left:0;border-right:0;
  border-top:0;text-align:left;cursor:pointer}
.m-link:hover,.m-toggle:hover{color:var(--lime)}
.m-toggle .caret{color:var(--lime)}
.m-toggle[aria-expanded=true] .caret{transform:rotate(-135deg) translateY(-2px)}
.m-panel{max-height:0;overflow:hidden;transition:max-height .35s ease;flex:0 0 auto}
.m-panel[data-open="1"]{max-height:1200px}
.m-panel a{display:block;color:#A9B8D6;font-size:.92rem;padding:10px 0 10px 18px;
  border-bottom:1px solid rgba(255,255,255,.06)}
.m-panel a:hover{color:var(--lime)}
.m-ctas{display:grid;gap:10px;margin-top:22px}
.m-ctas .btn{width:100%}

/* -------------------------------- hero ---------------------------------- */
.hero{position:relative;background:var(--navy-deep);color:#C3CEE6;overflow:hidden;
  padding:clamp(44px,6vw,78px) 0 clamp(52px,6vw,86px)}
.hero::before{content:"";position:absolute;inset:0;
  background:radial-gradient(880px 500px at 88% 4%,rgba(191,215,62,.15),transparent 62%),
             radial-gradient(680px 480px at 4% 98%,rgba(46,75,148,.5),transparent 60%)}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.18fr .82fr;
  gap:clamp(28px,4vw,60px);align-items:center}
.hero h1{color:#fff;margin-bottom:16px}
.hero h1 em{color:var(--lime)}
.hero .lede{font-size:1.02rem;color:#AEBBD6;max-width:54ch;margin-bottom:26px}
.hero .btn-row{margin-bottom:30px}
.hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;
  padding-top:22px;border-top:1px solid rgba(255,255,255,.13)}
.hero-stats b{display:block;font-family:var(--ff-display);font-size:1.45rem;color:var(--lime);line-height:1.2}
.hero-stats span{font-family:var(--ff-mono);font-size:.65rem;letter-spacing:.12em;
  text-transform:uppercase;color:#8B9BBC}

/* hero image with floating brand cards, as on the reference layout */
.hero-media{position:relative}
.hero-figure{border-radius:26px;overflow:hidden;border:1px solid rgba(255,255,255,.16);
  box-shadow:var(--shadow-lg);background:linear-gradient(150deg,#2E4B94,#16264F 60%,#BFD73E 190%);
  aspect-ratio:4/3.2}
.hero-figure img{width:100%;height:100%;object-fit:cover}
.float-card{position:absolute;display:flex;align-items:center;gap:11px;background:#fff;max-width:230px;
  border-radius:15px;padding:11px 15px;box-shadow:0 16px 34px -16px rgba(0,0,0,.45)}
.float-card .fi{width:36px;height:36px;border-radius:11px;background:var(--lime-wash);
  border:1px solid var(--lime-soft);display:grid;place-items:center;flex:0 0 36px;
  font-family:var(--ff-display);font-weight:800;color:var(--navy);font-size:1rem}
.float-card b{display:block;font-family:var(--ff-display);font-size:.88rem;color:var(--navy-deep);line-height:1.25}
.float-card span{font-size:.72rem;color:var(--slate-soft);line-height:1.35}
.fc-1{top:8%;left:-18px}
.fc-2{bottom:16%;right:-16px}
.fc-3{bottom:-16px;left:8%}

/* ------------------------------- ticker --------------------------------- */
.ticker{background:var(--lime);overflow:hidden;padding:11px 0;border-bottom:1px solid #ABC431}
.ticker-track{display:flex;width:max-content;animation:slide 46s linear infinite}
@keyframes slide{to{transform:translateX(-50%)}}
.ticker span{font-family:var(--ff-mono);font-size:.72rem;letter-spacing:.13em;text-transform:uppercase;
  color:var(--navy-deep);padding:0 24px;display:flex;align-items:center;gap:24px;white-space:nowrap}
.ticker span::after{content:"";width:5px;height:5px;border-radius:50%;background:var(--navy)}

/* ------------------------------ sections -------------------------------- */
section{padding:clamp(50px,6.5vw,92px) 0}
.sec-paper{background:var(--paper)}
.sec-navy{background:var(--navy-deep);color:#AEBBD6}
.sec-navy h1,.sec-navy h2,.sec-navy h3,.sec-navy h4{color:#fff}
.sec-tight{padding:clamp(38px,4.5vw,58px) 0}
.sec-head{max-width:43rem;margin-bottom:clamp(30px,3.6vw,46px)}
.sec-head.center{margin-inline:auto;text-align:center}
.sec-head.center .eyebrow{justify-content:center}
.sec-head p{font-size:1rem;color:var(--slate-soft);margin-bottom:0}
.sec-navy .sec-head p{color:#95A5C6}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4vw,60px);align-items:center}
.split.rev > *:first-child{order:2}

/* ------------------------- service cards (with image) -------------------- */
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}

.scard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;
  display:flex;flex-direction:column;transition:transform .22s,box-shadow .22s,border-color .22s}
.scard:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--lime)}
.scard .thumb{position:relative;aspect-ratio:16/9;overflow:hidden;
  background:linear-gradient(140deg,#2E4B94,#16264F)}
.scard .thumb img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.scard:hover .thumb img{transform:scale(1.06)}
.scard .tag{position:absolute;top:12px;left:12px;background:var(--lime);color:var(--navy-deep);
  font-family:var(--ff-mono);font-size:.64rem;letter-spacing:.13em;text-transform:uppercase;
  padding:5px 11px;border-radius:100px;font-weight:500}
.scard .sbody{padding:22px 24px 24px;display:flex;flex-direction:column;flex:1}
.scard h3{margin-bottom:8px}
.scard p{font-size:.92rem;color:var(--slate-soft);margin-bottom:16px}
.scard .more{margin-top:auto;display:inline-flex;align-items:center;gap:7px;
  font-family:var(--ff-display);font-weight:600;font-size:.88rem;color:var(--navy)}
.scard .more::after{content:"→";transition:.2s}
.scard .more:hover::after{transform:translateX(4px)}

/* ------------------------------- cards ---------------------------------- */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);
  padding:clamp(20px,2.4vw,28px);transition:transform .22s,box-shadow .22s,border-color .22s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--lime)}
.card p{color:var(--slate-soft);font-size:.93rem;margin-bottom:0}
.card h3{margin-bottom:8px}
.ico{width:50px;height:50px;border-radius:14px;background:var(--lime-wash);display:grid;
  place-items:center;margin-bottom:16px;border:1px solid var(--lime-soft);flex:0 0 50px}
.ico svg{width:25px;height:25px;stroke:var(--navy);fill:none;stroke-width:1.6;
  stroke-linecap:round;stroke-linejoin:round}
.sec-navy .card{background:rgba(255,255,255,.045);border-color:rgba(255,255,255,.12)}
.sec-navy .card p{color:#95A5C6}
.sec-navy .ico{background:rgba(191,215,62,.12);border-color:var(--line-dark)}
.sec-navy .ico svg{stroke:var(--lime)}

/* ------------------------------ counters -------------------------------- */
.counters{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.12);border-radius:var(--r-lg);overflow:hidden}
.counters div{background:var(--navy-deep);padding:clamp(22px,2.6vw,32px);text-align:center}
.counters b{display:block;font-family:var(--ff-display);font-size:clamp(1.8rem,3vw,2.5rem);
  color:var(--lime);font-weight:800;line-height:1.1}
.counters span{font-family:var(--ff-mono);font-size:.66rem;letter-spacing:.13em;
  text-transform:uppercase;color:#95A5C6}

/* ------------------------------- ticks ---------------------------------- */
.ticks{list-style:none;padding:0;margin:0 0 24px;display:grid;gap:12px}
.ticks li{display:flex;gap:12px;align-items:flex-start;font-size:.96rem}
.ticks li::before{content:"";flex:0 0 19px;height:19px;margin-top:3px;border-radius:50%;
  background:var(--lime-wash) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232E4B94' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/12px no-repeat}
.sec-navy .ticks li::before{background-color:rgba(191,215,62,.16);
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23BFD73E' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E")}

/* ------------------------------ about media ----------------------------- */
.media-frame{position:relative;border-radius:24px;overflow:hidden;border:1px solid var(--line);
  box-shadow:var(--shadow);aspect-ratio:4/3.3;background:linear-gradient(140deg,#2E4B94,#16264F)}
.media-frame img{width:100%;height:100%;object-fit:cover}
.media-badge{position:absolute;right:-14px;bottom:22px;background:var(--navy-deep);color:#fff;
  border-radius:16px;padding:16px 20px;box-shadow:var(--shadow-lg);max-width:190px}
.media-badge b{display:block;font-family:var(--ff-display);font-size:1.7rem;color:var(--lime);line-height:1}
.media-badge span{font-size:.78rem;color:#AEBBD6;display:block;margin-top:5px;line-height:1.4}

/* ------------------------------- process -------------------------------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{position:relative;padding-top:32px}
.step::before{content:"";position:absolute;top:10px;left:0;right:-22px;height:1px;
  background:linear-gradient(90deg,var(--lime),var(--line))}
.step:last-child::before{right:0}
.step .dot{position:absolute;top:4px;left:0;width:12px;height:12px;border-radius:50%;
  background:var(--lime);border:3px solid var(--paper);box-shadow:0 0 0 1.5px var(--lime)}
.step .k{font-family:var(--ff-mono);font-size:.68rem;letter-spacing:.15em;color:var(--navy);display:block;margin-bottom:8px}
.step h3{margin-bottom:6px}
.step p{font-size:.9rem;color:var(--slate-soft);margin:0}

/* ---------------------------- testimonials ------------------------------ */
.tcard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px}
.tcard .stars{color:var(--lime);letter-spacing:2px;font-size:.95rem;margin-bottom:12px}
.tcard p{font-size:.95rem;color:var(--slate);margin-bottom:18px}
.tcard .who{display:flex;align-items:center;gap:12px;padding-top:16px;border-top:1px solid var(--line)}
.tcard .who .av{width:42px;height:42px;border-radius:13px;background:var(--navy);color:var(--lime);
  display:grid;place-items:center;font-family:var(--ff-display);font-weight:800;flex:0 0 42px}
.tcard .who b{display:block;font-family:var(--ff-display);color:var(--navy-deep);font-size:.95rem}
.tcard .who span{font-size:.78rem;color:var(--slate-soft)}

/* ------------------------------- people --------------------------------- */
.person{display:flex;gap:18px;align-items:flex-start;background:#fff;border:1px solid var(--line);
  border-radius:var(--r-lg);padding:24px}
.person .av{flex:0 0 64px;height:64px;border-radius:18px;background:var(--navy);color:var(--lime);
  display:grid;place-items:center;font-family:var(--ff-display);font-size:1.35rem;font-weight:800}
.person h3{margin-bottom:2px}
.person .role{font-family:var(--ff-mono);font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;
  color:var(--slate-soft);margin-bottom:9px}
.arn-tag{display:inline-flex;align-items:center;gap:8px;background:var(--lime-wash);
  border:1px solid var(--lime-soft);border-radius:100px;padding:5px 12px;font-family:var(--ff-mono);
  font-size:.72rem;color:var(--navy)}
.person p{font-size:.91rem;color:var(--slate-soft);margin:11px 0 0}

/* --------------------------------- faq ---------------------------------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:18px 42px 18px 0;position:relative;
  font-family:var(--ff-display);font-weight:600;font-size:1rem;color:var(--navy-deep)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:8px;top:50%;width:10px;height:10px;margin-top:-7px;
  border-right:2px solid var(--navy);border-bottom:2px solid var(--navy);transform:rotate(45deg);transition:.2s}
.faq details[open] summary::after{transform:rotate(225deg);margin-top:-3px}
.faq .body{padding:0 36px 20px 0;color:var(--slate-soft);font-size:.94rem}
.faq .body p:last-child{margin-bottom:0}

/* ------------------------------ cta band -------------------------------- */
.cta{background:var(--lime);color:var(--navy-deep);position:relative;overflow:hidden}
.cta::after{content:"";position:absolute;right:-90px;bottom:-120px;width:320px;height:320px;
  border-radius:50%;background:rgba(46,75,148,.09)}
.cta .wrap{position:relative;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.cta h2{margin-bottom:8px}
.cta p{margin:0;max-width:46ch;color:#31457A}

/* ------------------------------- forms ---------------------------------- */
.field{margin-bottom:15px}
.field label{display:block;font-family:var(--ff-mono);font-size:.68rem;letter-spacing:.12em;
  text-transform:uppercase;color:var(--slate-soft);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:12px 15px;border-radius:11px;
  border:1.5px solid var(--line);background:#fff;font:inherit;font-size:.94rem;color:var(--slate)}
.field textarea{min-height:112px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--navy);
  box-shadow:0 0 0 3px rgba(46,75,148,.12)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.81rem;color:var(--slate-soft);
  margin-bottom:18px;line-height:1.55}
.consent input{margin-top:3px;accent-color:var(--navy);width:16px;height:16px;flex:0 0 16px}
.form-note{font-size:.77rem;color:var(--slate-soft);margin-top:14px}
.form-msg{padding:12px 15px;border-radius:11px;font-size:.88rem;margin-bottom:14px;display:none}
.form-msg.ok{display:block;background:var(--lime-wash);border:1px solid var(--lime-soft);color:var(--navy-deep)}

/* ----------------------------- page hero -------------------------------- */
.page-hero{background:var(--navy-deep);color:#AEBBD6;padding:clamp(52px,7vw,104px) 0 clamp(50px,6vw,84px);
  position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;
  background:radial-gradient(720px 400px at 84% 0%,rgba(191,215,62,.14),transparent 60%)}
.page-hero .wrap{position:relative;max-width:1159px}
.page-hero h1{color:#fff;margin-bottom:26px;line-height:1.2}
.page-hero p{color:#A0AFCE;font-size:1.02rem;max-width:100ch;margin:0}
.crumbs{font-family:var(--ff-mono);font-size:.72rem;letter-spacing:.11em;text-transform:uppercase;
  color:#8B9BBC;margin-bottom:34px}
.crumbs a{color:var(--lime)}

/* -------------------------------- prose --------------------------------- */
.prose{max-width:840px}
.prose h2{font-size:clamp(1.3rem,2vw,1.72rem);margin-top:2em}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.1rem;margin-top:1.6em}
.prose p,.prose li{font-size:.98rem}
.prose ul,.prose ol{padding-left:21px;margin-bottom:1.1em}
.prose li{margin-bottom:8px}
.prose a{text-decoration:underline;text-underline-offset:3px}
.callout{background:var(--lime-wash);border:1px solid var(--lime-soft);border-left:4px solid var(--lime);
  border-radius:13px;padding:18px 22px;margin:22px 0}
.callout p:last-child{margin-bottom:0}
.callout strong{color:var(--navy-deep)}

table.tbl{width:100%;border-collapse:collapse;margin:20px 0;font-size:.92rem}
table.tbl th,table.tbl td{border:1px solid var(--line);padding:11px 14px;text-align:left;vertical-align:top}
table.tbl th{background:var(--lime-wash);font-family:var(--ff-display);font-weight:600;color:var(--navy-deep)}
.tbl-scroll{overflow-x:auto}

/* ------------------------------- tiles ---------------------------------- */
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:13px}
.tiles.t4{grid-template-columns:repeat(4,1fr)}
.tile{display:flex;gap:11px;align-items:flex-start;background:#fff;border:1px solid var(--line);
  border-radius:14px;padding:15px 17px;transition:.2s}
.tile:hover{border-color:var(--lime);transform:translateY(-3px);box-shadow:var(--shadow)}
.tile .dots{margin-top:5px}
.tile b{display:block;font-family:var(--ff-display);color:var(--navy-deep);font-size:.94rem;margin-bottom:2px;line-height:1.3}
.tile em{display:block;font-size:.8rem;color:var(--slate-soft);line-height:1.45;font-style:normal}

.linkcols{columns:3;column-gap:32px}
.linkcols a{display:block;break-inside:avoid;padding:8px 0 8px 20px;font-size:.9rem;color:var(--slate);
  border-bottom:1px solid var(--line);position:relative}
.linkcols a::before{content:"";position:absolute;left:0;top:15px;width:7px;height:7px;
  border-radius:50%;background:var(--lime)}
.linkcols a:hover{color:var(--navy)}

/* ----------------------------- calculators ------------------------------ */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:stretch}
.calc-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);
  padding:clamp(20px,2.8vw,30px);box-shadow:var(--shadow)}
.slider-row{margin-bottom:16px}
.slider-row label{display:flex;justify-content:space-between;align-items:baseline;
  font-size:.85rem;color:var(--slate);margin-bottom:7px}
.slider-row label b{font-family:var(--ff-display);font-size:1rem;color:var(--navy)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:5px;
  background:var(--line);outline:none;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:19px;height:19px;border-radius:50%;
  background:var(--lime);border:3px solid #fff;box-shadow:0 0 0 1.5px var(--navy);cursor:pointer}
input[type=range]::-moz-range-thumb{width:15px;height:15px;border-radius:50%;background:var(--lime);
  border:3px solid #fff;box-shadow:0 0 0 1.5px var(--navy);cursor:pointer}
.calc-chart{width:100%;height:150px;display:block;margin-top:8px}
.calc-tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px}
.calc-tabs button{padding:9px 18px;border-radius:100px;border:1.5px solid var(--line);background:#fff;
  color:var(--slate);font-family:var(--ff-display);font-weight:600;font-size:.88rem;cursor:pointer;transition:.18s}
.calc-tabs button[aria-selected=true]{background:var(--navy);border-color:var(--navy);color:#fff}
.result-panel{background:var(--navy-deep);border-radius:var(--r-lg);padding:clamp(20px,2.8vw,30px);
  color:#AEBBD6;display:flex;flex-direction:column}
.result-panel h3{color:#fff;margin-bottom:16px}
.result-row{display:flex;justify-content:space-between;align-items:baseline;gap:14px;padding:13px 0;
  border-bottom:1px solid rgba(255,255,255,.11)}
.result-row:last-of-type{border-bottom:0}
.result-row span{font-size:.86rem;color:#95A5C6}
.result-row b{font-family:var(--ff-display);font-size:1.1rem;color:#fff}
.result-row.big b{font-size:1.6rem;color:var(--lime)}
.bar{height:9px;border-radius:9px;background:rgba(255,255,255,.13);overflow:hidden;display:flex;margin:18px 0 9px}
.bar i{display:block;height:100%}
.bar i.inv{background:#5C79C4}.bar i.ret{background:var(--lime)}
.legend{display:flex;gap:18px;font-family:var(--ff-mono);font-size:.66rem;letter-spacing:.08em;
  text-transform:uppercase;color:#95A5C6;margin-bottom:auto}
.legend b{display:inline-flex;align-items:center;gap:6px;font-weight:400}
.legend i{width:8px;height:8px;border-radius:50%}

/* ------------------------------- contact -------------------------------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(26px,3.5vw,50px);align-items:start}
.info-list{list-style:none;padding:0;margin:0}
.info-list li{display:flex;gap:14px;align-items:flex-start;padding:15px 0;border-bottom:1px solid var(--line)}
.info-list li:last-child{border-bottom:0}
.info-list .ic{flex:0 0 40px;height:40px;border-radius:12px;background:var(--lime-wash);
  border:1px solid var(--lime-soft);display:grid;place-items:center}
.info-list .ic svg{width:18px;height:18px;stroke:var(--navy);fill:none;stroke-width:1.7;
  stroke-linecap:round;stroke-linejoin:round}
.info-list b{display:block;font-family:var(--ff-mono);font-size:.66rem;letter-spacing:.13em;
  text-transform:uppercase;color:var(--slate-soft);font-weight:500;margin-bottom:3px}
.info-list a,.info-list p{color:var(--navy-deep);font-size:.97rem;margin:0;font-weight:500}
.map-frame{border-radius:var(--r-lg);overflow:hidden;border:1px solid var(--line);height:330px}
.map-frame iframe{width:100%;height:100%;border:0;display:block}

/* -------------------------------- footer -------------------------------- */
.site-footer{background:var(--navy-deep);color:#8FA0C0;padding-top:clamp(46px,5.5vw,70px);font-size:.9rem}
.site-footer a{color:#AFBCD6}
.site-footer a:hover{color:var(--lime)}
.f-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.3fr;gap:clamp(24px,3vw,40px);
  padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.11)}
.f-grid img{height:44px;border-radius:5px;margin-bottom:16px}
.f-grid h4{font-family:var(--ff-mono);font-size:.7rem;letter-spacing:.15em;text-transform:uppercase;
  color:var(--lime);margin-bottom:16px;font-weight:500}
.f-grid ul{list-style:none;padding:0;display:grid;gap:9px}
.f-about{color:#8FA0C0;font-size:.9rem;max-width:36ch}
.f-arn{margin-top:14px;padding:13px 15px;border:1px solid var(--line-dark);border-radius:12px;
  background:rgba(191,215,62,.06);font-family:var(--ff-mono);font-size:.72rem;line-height:1.8;color:#C7D4EE}
.f-arn b{color:var(--lime);font-weight:500}
.f-contact li{display:flex;gap:10px;align-items:flex-start;line-height:1.55}
.f-contact .m{color:var(--lime);flex:0 0 15px}
.risk{padding:26px 0;border-bottom:1px solid rgba(255,255,255,.11);font-size:.76rem;line-height:1.75;color:#7A89A8}
.risk strong{color:#C7D4EE}
.risk a{text-decoration:underline;text-underline-offset:2px}
.f-bottom{padding:20px 0 24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;
  font-size:.78rem;color:#7A89A8}
.f-bottom nav{display:flex;gap:16px;flex-wrap:wrap}

/* ------------------------------ floaters -------------------------------- */
.floaters{position:fixed;right:16px;bottom:16px;z-index:50;display:grid;gap:10px}
.fab{width:50px;height:50px;border-radius:50%;display:grid;place-items:center;
  box-shadow:0 10px 24px -8px rgba(0,0,0,.4);transition:transform .2s}
.fab:hover{transform:scale(1.08)}
.fab svg{width:24px;height:24px}
.fab.wa{background:#25D366}
.fab.tel{background:var(--navy)}
.fab.top{background:#fff;border:1px solid var(--line);opacity:0;pointer-events:none}
.fab.top.show{opacity:1;pointer-events:auto}
.fab.top svg{stroke:var(--navy);fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round;width:19px;height:19px}

/* --------------------------- disclaimer gate ---------------------------- */
.gate{position:fixed;inset:0;z-index:100;background:rgba(10,18,40,.74);backdrop-filter:blur(5px);
  display:none;align-items:center;justify-content:center;padding:18px}
.gate.show{display:flex}
.gate-box{background:#fff;border-radius:var(--r-lg);max-width:640px;width:100%;max-height:88vh;
  overflow-y:auto;padding:clamp(22px,3vw,34px);box-shadow:var(--shadow-lg)}
.gate-box .badge{display:inline-flex;align-items:center;gap:8px;background:var(--lime-wash);
  border:1px solid var(--lime-soft);border-radius:100px;padding:6px 13px;font-family:var(--ff-mono);
  font-size:.68rem;letter-spacing:.13em;text-transform:uppercase;color:var(--navy);margin-bottom:14px}
.gate-box h2{font-size:1.4rem;margin-bottom:12px}
.gate-box p{font-size:.88rem;color:var(--slate-soft);line-height:1.7}
.gate-box strong{color:var(--navy-deep)}
.gate-actions{display:flex;gap:11px;flex-wrap:wrap;margin-top:20px}

/* ------------------------------- reveal --------------------------------- */
.rv{opacity:0;transform:translateY(20px);transition:opacity .55s ease,transform .55s cubic-bezier(.2,.7,.3,1)}
.rv.in{opacity:1;transform:none}

/* ----------------------------- responsive ------------------------------- */
@media (max-width:1340px){
  .nav{gap:4px}
  .nav > li > a,.nav > li > button{padding:10px 10px;font-size:.86rem}
}
@media (max-width:1180px){
  .linkcols{columns:2}
}
@media (max-width:1040px){
  .g4,.tiles.t4{grid-template-columns:repeat(2,1fr)}
  .counters{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);gap:28px}
  .step:nth-child(2)::before{right:0}
  .tiles{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:1230px){
  .nav{display:none}
  .burger{display:block}
  .brand img{height:38px}
  .hbtn{padding:8px 13px;font-size:.78rem}
}
@media (max-width:900px){
  .hero .wrap{grid-template-columns:1fr}
  .hero-media{order:-1}
  .split,.contact-grid,.calc-grid{grid-template-columns:1fr}
  .split.rev > *:first-child{order:0}
  .g3{grid-template-columns:repeat(2,1fr)}
  .f-grid{grid-template-columns:1fr 1fr}
  .topbar-links{display:none}
  .media-badge{right:12px}
  .fc-1{left:8px}.fc-2{right:8px}.fc-3{left:auto;right:8px;bottom:-14px}
}
@media (max-width:640px){
  body{font-size:16px}
  .g2,.g3,.g4,.tiles,.tiles.t4,.pillars,.steps{grid-template-columns:1fr}
  .linkcols{columns:1}
  .step::before{display:none}
  .step{padding-top:0;padding-left:24px}
  .step .dot{top:5px}
  .f-grid{grid-template-columns:1fr;gap:28px}
  .btn{width:100%}
  .cta .btn-row{width:100%}
  .person{flex-direction:column}
  .hero-stats{grid-template-columns:repeat(3,1fr);gap:10px}
  .hero-stats b{font-size:1.15rem}
  .floaters{right:12px;bottom:12px}
  .fab{width:46px;height:46px}
  .float-card{padding:9px 12px}
  .float-card b{font-size:.8rem}
  .float-card span{font-size:.68rem}
  .fc-2{display:none}
}
@media (max-width:560px){
  .site-header .wrap{gap:7px;min-height:64px}
  .brand img{height:31px}
  .hbtn{padding:7px 10px;font-size:.72rem;gap:5px}
  .hbtn svg{width:13px;height:13px;flex-basis:13px}
  .burger{width:38px;height:38px;flex-basis:38px}
  .burger span{left:9px;width:19px}
  .burger span:nth-child(1){top:12px}.burger span:nth-child(2){top:18px}.burger span:nth-child(3){top:24px}
  .topbar{font-size:.65rem}
}
@media (max-width:400px){
  .hbtn{padding:7px 9px;font-size:.68rem}
  .brand img{height:28px}
}
@media (prefers-reduced-motion:reduce){
  *{animation-duration:.01ms!important;animation-iteration-count:1!important;
    transition-duration:.01ms!important;scroll-behavior:auto!important}
  .rv{opacity:1;transform:none}
}
:focus-visible{outline:2.5px solid var(--lime);outline-offset:3px;border-radius:4px}
@media print{.site-header,.topbar,.floaters,.gate,.mobile-nav,.ticker{display:none!important}}

/* testimonial carousel */
.t-slide{flex:0 0 calc(33.333% - 14px)}
.t-dot{width:8px;height:8px;border-radius:50%;border:0;background:var(--line);cursor:pointer;padding:0;transition:.2s}
.t-dot[aria-current=true]{background:var(--lime);width:22px;border-radius:8px}
.t-nav{padding:9px 16px;min-width:46px}

/* very narrow phones (≤355px): keep both CTAs visible, drop their labels to icons */
@media (max-width:400px){
  .calc-tabs button{padding:8px 13px;font-size:.82rem}
  .result-row.big b{font-size:1.35rem}
  .result-row b{font-size:1rem}
  .result-row{gap:8px}
}
@media (max-width:355px){
  .site-header .wrap{gap:6px}
  .brand img{height:26px}
  .hbtn{padding:8px 10px}
  .hbtn span{display:none}
  .hbtn svg{width:15px;height:15px;flex-basis:15px}
  .burger{width:36px;height:36px;flex-basis:36px}
  .burger span{left:9px;width:18px}
  .burger span:nth-child(1){top:11px}
  .burger span:nth-child(2){top:17px}
  .burger span:nth-child(3){top:23px}
}