:root{
  --blue:#0056FF;--blue-d:#0042C7;--teal:#00C6A2;--teal-d:#00A386;
  --ink:#0A1630;--navy:#061029;--navy-2:#0B1B42;--body:#3C4A66;--muted:#6B7891;
  --mist:#F4F7FD;--line:#E2E8F3;--white:#fff;--warn:#B42318;
  --r:14px;--r-lg:22px;--shadow:0 1px 2px rgba(10,22,48,.06),0 8px 24px rgba(10,22,48,.08);
  --shadow-lg:0 30px 60px -20px rgba(6,16,41,.45);
  --display:'Manrope',system-ui,sans-serif;--sans:'Inter',system-ui,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--body);background:#fff;font-size:16.5px;line-height:1.65;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--display);color:var(--ink);line-height:1.12;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2.3rem,5.2vw,4rem);font-weight:800}
h2{font-size:clamp(1.75rem,3.4vw,2.6rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:1200px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.sec{padding:96px 0}
.sec.tight{padding:64px 0}
.mist{background:var(--mist)}
.kicker{font:700 .78rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--blue);margin:0 0 16px;display:inline-flex;gap:10px;align-items:center}
.kicker:before{content:"";width:22px;height:2px;background:linear-gradient(90deg,var(--blue),var(--teal));border-radius:2px}
.kicker.light{color:#7FE9D3}
.lead{font-size:1.15rem;color:var(--muted);max-width:640px}
.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:700 1rem/1 var(--sans);padding:16px 26px;border-radius:12px;border:2px solid transparent;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s;text-decoration:none!important;white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 24px -10px rgba(0,86,255,.7)}
.btn-primary:hover{background:var(--blue-d)}
.btn-teal{background:var(--teal);color:#052a23;box-shadow:0 10px 24px -10px rgba(0,198,162,.8)}
.btn-teal:hover{background:#12d8b4}
.btn-ghost{background:rgba(255,255,255,.06);color:#fff;border-color:rgba(255,255,255,.22)}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-outline{background:#fff;color:var(--ink);border-color:var(--line)}
.btn-outline:hover{border-color:var(--blue);color:var(--blue)}
.btn-sm{padding:11px 18px;font-size:.92rem;border-radius:10px}
.btn-block{width:100%}
.arr{transition:transform .15s}.btn:hover .arr{transform:translateX(3px)}

/* Header */
.topbar{background:var(--navy);color:#B8C4DE;font-size:.84rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px}
.topbar a{color:#fff}
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.6) blur(12px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;gap:28px;height:72px}
.logo{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none!important}
.logo svg{width:36px;height:36px}
.logo b{font:800 1.3rem/1 var(--display);letter-spacing:-.03em;display:block}
.logo small{font:700 .62rem/1 var(--sans);letter-spacing:.32em;color:var(--muted);display:block;margin-top:3px}
.nav{display:flex;gap:4px;align-items:center;margin-left:auto}
.nav>a,.nav .dd>button{font:600 .95rem/1 var(--sans);color:var(--ink);padding:10px 12px;border-radius:8px;background:none;border:0;cursor:pointer;text-decoration:none!important}
.nav>a:hover,.nav .dd>button:hover,.nav a.on{color:var(--blue);background:var(--mist)}
.dd{position:relative}
.dd-menu{position:absolute;top:calc(100% + 10px);left:-20px;width:560px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:14px;display:grid;grid-template-columns:1fr 1fr;gap:4px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.18s}
.dd:hover .dd-menu,.dd:focus-within .dd-menu{opacity:1;visibility:visible;transform:none}
.dd-menu a{display:flex;gap:12px;padding:12px;border-radius:12px;color:var(--ink);text-decoration:none!important}
.dd-menu a:hover{background:var(--mist)}
.dd-menu .ic{flex:none}
.dd-menu b{display:block;font-size:.93rem}
.dd-menu span{display:block;font-size:.8rem;color:var(--muted);line-height:1.4;margin-top:2px}
.hdr-cta{display:flex;gap:10px;align-items:center}
.hdr-phone{font-weight:700;color:var(--ink);font-size:.95rem}
.burger{display:none;margin-left:auto;background:none;border:0;padding:8px;cursor:pointer}
.burger span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0;border-radius:2px}
.mnav{display:none}

.ic{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(135deg,rgba(0,86,255,.1),rgba(0,198,162,.14));color:var(--blue)}
.ic svg{width:22px;height:22px}

/* Hero */
.hero{position:relative;background:var(--navy);color:#C9D3EA;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:
  radial-gradient(700px 420px at 15% 0%,rgba(0,86,255,.45),transparent 60%),
  radial-gradient(600px 400px at 95% 85%,rgba(0,198,162,.28),transparent 60%);}
.hero:after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:56px 56px;mask-image:linear-gradient(180deg,#000,transparent 85%)}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;padding-top:80px;padding-bottom:96px}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;background:linear-gradient(90deg,#4D8BFF,var(--teal));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{color:#B4C1DD;font-size:1.22rem}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;margin:30px 0 40px}
.ticks{display:flex;flex-wrap:wrap;gap:10px 22px;list-style:none;padding:0;margin:0;font-size:.95rem;color:#DCE4F5}
.ticks li{display:flex;gap:8px;align-items:center}
.ticks li:before{content:"";width:18px;height:18px;border-radius:50%;background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23052a23' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/11px no-repeat;flex:none}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:44px;border-top:1px solid rgba(255,255,255,.12);padding-top:26px}
.stats div{padding-right:16px}
.stats b{display:block;font:800 2rem/1 var(--display);color:#fff;letter-spacing:-.03em}
.stats span{font-size:.86rem;color:#8EA0C6}

/* Quick card */
.qcard{background:#fff;border-radius:var(--r-lg);padding:30px;box-shadow:var(--shadow-lg);color:var(--body);position:relative}
.qcard:before{content:"";position:absolute;inset:-1px;border-radius:inherit;padding:1px;background:linear-gradient(135deg,rgba(0,86,255,.6),rgba(0,198,162,.6));-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none}
.qcard h2{font-size:1.45rem;margin-bottom:4px}
.qcard .sub{font-size:.92rem;color:var(--muted);margin-bottom:20px}
.qcard .fine{font-size:.74rem;color:var(--muted);line-height:1.5;margin:12px 0 0}

/* Forms */
label{display:block;font-size:.85rem;font-weight:600;color:var(--ink);margin-bottom:14px}
input,select,textarea{display:block;width:100%;margin-top:6px;font:inherit;font-size:1rem;font-weight:400;color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:10px;padding:12px 14px;transition:border-color .15s,box-shadow .15s;appearance:none;-webkit-appearance:none}
select{background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%236B7891' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") right 12px center/18px no-repeat;padding-right:38px}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--blue);box-shadow:0 0 0 4px rgba(0,86,255,.12)}
input.bad,select.bad,textarea.bad{border-color:var(--warn);box-shadow:0 0 0 4px rgba(180,35,24,.08)}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
.grid3{display:grid;grid-template-columns:2fr 1fr 1fr;gap:0 16px}
.money{position:relative}.money:before{content:"$";position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:500}.money input{padding-left:28px}
.pct{position:relative}.pct:after{content:"%";position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted)}
.hp{position:absolute!important;left:-9999px;opacity:0}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.86rem;color:var(--body);line-height:1.5}
.check input{width:20px;height:20px;flex:none;margin:1px 0 0;padding:0;border-radius:5px;appearance:auto;-webkit-appearance:auto;accent-color:var(--blue)}
.radio-row{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin:4px 0 18px}
.rlabel{width:100%;font-size:.85rem;font-weight:600;color:var(--ink)}
.pill{margin:0;cursor:pointer}
.pill input{position:absolute;opacity:0;width:0;height:0}
.pill span{display:inline-block;padding:10px 18px;border:1.5px solid var(--line);border-radius:999px;font-weight:600;font-size:.92rem;transition:.15s}
.pill input:checked+span{border-color:var(--blue);background:rgba(0,86,255,.07);color:var(--blue)}
.pill input:focus-visible+span{box-shadow:0 0 0 4px rgba(0,86,255,.15)}
.form-msg{color:var(--warn);font-size:.9rem;font-weight:600;min-height:1em;margin:6px 0}
.form-msg.ok{color:var(--teal-d)}

/* Sections */
.sec-head{margin-bottom:48px}
.sec-head.row{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;transition:transform .2s,box-shadow .2s,border-color .2s;display:flex;flex-direction:column;color:var(--body);text-decoration:none!important}
a.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#C9D6EE}
.card h3{margin:18px 0 8px}
.card p{font-size:.95rem;margin:0 0 18px}
.card .more{margin-top:auto;font-weight:700;color:var(--blue);font-size:.92rem}
.card.feature{background:linear-gradient(160deg,var(--navy-2),var(--navy));border-color:transparent;color:#B4C1DD}
.card.feature h3{color:#fff}
.card.feature .ic{background:rgba(0,198,162,.16);color:var(--teal)}
.card.feature .more{color:var(--teal)}
.tag{display:inline-block;font:700 .7rem/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;padding:6px 9px;border-radius:6px;background:rgba(0,198,162,.14);color:var(--teal-d)}
.disclaimer{font-size:.82rem;color:var(--muted);margin-top:28px}

.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.checks{list-style:none;padding:0;margin:20px 0}
.checks li{position:relative;padding-left:34px;margin-bottom:14px}
.checks li:before{content:"";position:absolute;left:0;top:3px;width:22px;height:22px;border-radius:50%;background:rgba(0,198,162,.15) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2300A386' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/13px no-repeat}
.checks b{color:var(--ink)}

/* Offer compare visual */
.offers{background:#fff;border-radius:var(--r-lg);box-shadow:var(--shadow);border:1px solid var(--line);padding:22px}
.offers-h{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px;font-size:.85rem;color:var(--muted)}
.offers-h b{color:var(--ink);font-size:1rem}
.offer{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:10px;align-items:center;padding:14px;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;font-size:.88rem}
.offer.best{border-color:var(--teal);background:rgba(0,198,162,.05)}
.offer small{display:block;color:var(--muted);font-size:.72rem;text-transform:uppercase;letter-spacing:.06em}
.offer b{color:var(--ink);font-family:var(--display);font-size:1.05rem}
.offers .note{font-size:.75rem;color:var(--muted);margin:8px 0 0}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:s}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 24px}
.step:before{counter-increment:s;content:"0" counter(s);font:800 .95rem/1 var(--display);color:var(--blue);display:inline-block;padding:8px 10px;background:rgba(0,86,255,.08);border-radius:8px;margin-bottom:18px}
.step h3{font-size:1.08rem}
.step p{font-size:.93rem;margin:0}
.step .time{display:inline-block;margin-top:14px;font-size:.78rem;font-weight:700;color:var(--teal-d)}

/* Dark band */
.band{background:var(--navy);color:#B4C1DD;position:relative;overflow:hidden}
.band:before{content:"";position:absolute;inset:0;background:radial-gradient(600px 300px at 85% 20%,rgba(0,86,255,.35),transparent 60%),radial-gradient(500px 300px at 5% 100%,rgba(0,198,162,.2),transparent 60%)}
.band .wrap{position:relative}
.band h2{color:#fff}
.band .lead{color:#B4C1DD}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap;padding-top:72px;padding-bottom:72px}
.cta-band h2{margin:0 0 8px}

/* Articles */
.alist{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.acard{display:flex;flex-direction:column;padding:26px;border:1px solid var(--line);border-radius:var(--r-lg);background:#fff;color:var(--body);text-decoration:none!important;transition:.2s}
.acard:hover{box-shadow:var(--shadow);transform:translateY(-2px)}
.acard h3{font-size:1.1rem;margin:12px 0 8px;line-height:1.3}
.acard p{font-size:.92rem;color:var(--muted);margin:0 0 14px}
.acard .meta{margin-top:auto;font-size:.8rem;color:var(--muted)}
.hub-tabs{display:flex;gap:8px;flex-wrap:wrap;margin:28px 0 0}
.hub-tabs a{padding:9px 16px;border-radius:999px;border:1px solid rgba(255,255,255,.2);color:#fff;font-weight:600;font-size:.9rem;text-decoration:none!important}
.hub-tabs a.on{background:#fff;color:var(--ink)}
.empty{padding:40px;border:1.5px dashed var(--line);border-radius:var(--r-lg);text-align:center;color:var(--muted)}

.page-hero{background:var(--navy);color:#B4C1DD;position:relative;overflow:hidden}
.page-hero:before{content:"";position:absolute;inset:0;background:radial-gradient(600px 320px at 10% 0%,rgba(0,86,255,.4),transparent 60%),radial-gradient(500px 300px at 100% 100%,rgba(0,198,162,.22),transparent 60%)}
.page-hero .wrap{position:relative;padding-top:72px;padding-bottom:72px}
.page-hero h1{color:#fff;font-size:clamp(2rem,4.4vw,3.2rem);max-width:900px}
.page-hero .lead{color:#B4C1DD}
.crumbs{font-size:.84rem;color:#8EA0C6;margin-bottom:18px}
.crumbs a{color:#C9D3EA}

.art{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding:64px 0 96px}
.prose{font-size:1.06rem;color:#2C3A55}
.prose h2{font-size:1.7rem;margin:1.8em 0 .6em}
.prose h3{font-size:1.25rem;margin:1.5em 0 .5em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.45em}
.prose a{text-decoration:underline;text-decoration-color:rgba(0,86,255,.35);text-underline-offset:3px}
.prose blockquote{margin:1.5em 0;padding:16px 20px;border-left:4px solid var(--teal);background:var(--mist);border-radius:0 12px 12px 0}
.prose table{width:100%;border-collapse:collapse;margin:1.5em 0;font-size:.94rem;display:block;overflow-x:auto}
.prose th,.prose td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.prose th{background:var(--mist);color:var(--ink)}
.takeaways{background:linear-gradient(135deg,rgba(0,86,255,.06),rgba(0,198,162,.08));border:1px solid #D5E2F7;border-radius:var(--r-lg);padding:24px 26px;margin-bottom:32px}
.takeaways h2{font-size:1rem!important;margin:0 0 10px!important;text-transform:uppercase;letter-spacing:.1em;color:var(--blue)}
.takeaways ul{margin:0}
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{cursor:pointer;font-weight:700;color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary:after{content:"+";font-size:1.4rem;line-height:1;color:var(--blue)}
.faq details[open] summary:after{content:"–"}
.faq details p{margin:10px 0 0}
.aside-sticky{position:sticky;top:96px;display:grid;gap:20px}
.side-card{border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;background:#fff}
.side-card.dark{background:var(--navy);color:#B4C1DD;border-color:transparent}
.side-card.dark h3{color:#fff}
.side-card ul{list-style:none;padding:0;margin:0}
.side-card li{margin-bottom:10px;font-size:.92rem;line-height:1.4}
.byline{display:flex;gap:16px;flex-wrap:wrap;font-size:.86rem;color:#8EA0C6;margin-top:18px}

/* Product page */
.terms-table{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:#fff}
.terms-table td{padding:15px 20px;border-bottom:1px solid var(--line);font-size:.96rem}
.terms-table tr:last-child td{border-bottom:0}
.terms-table td:first-child{color:var(--muted);width:44%}
.terms-table td:last-child{color:var(--ink);font-weight:600}
.terms-table tr.hl td{background:linear-gradient(90deg,rgba(0,86,255,.05),rgba(0,198,162,.06))}
.terms-table tr.hl td:last-child{color:var(--blue);font-family:var(--display);font-size:1.12rem;font-weight:800}

/* Apply */
.apply-grid{display:grid;grid-template-columns:260px minmax(0,1fr);gap:40px;align-items:start;padding:56px 0 96px}
.stepper{list-style:none;padding:0;margin:0 0 24px;position:sticky;top:100px}
.stepper li{display:flex;align-items:center;gap:12px;padding:10px 0;color:var(--muted);font-weight:600;font-size:.94rem}
.stepper li span{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;border:1.5px solid var(--line);font-size:.82rem;background:#fff}
.stepper li.on{color:var(--ink)}.stepper li.on span{border-color:var(--blue);background:var(--blue);color:#fff}
.stepper li.done span{border-color:var(--teal);background:var(--teal);color:#052a23}
.side-note{background:var(--mist);border-radius:var(--r);padding:18px;font-size:.88rem;margin-top:20px}
.side-note p{margin:6px 0 0}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:36px;box-shadow:var(--shadow)}
.progress{height:6px;background:var(--mist);border-radius:6px;overflow:hidden;margin-bottom:10px}
.progress .bar{height:100%;width:20%;background:linear-gradient(90deg,var(--blue),var(--teal));transition:width .3s}
.step-count{font-size:.82rem;color:var(--muted);font-weight:600;margin-bottom:18px}
fieldset{border:0;padding:0;margin:0;min-width:0}
legend{font:800 1.45rem/1.2 var(--display);color:var(--ink);margin-bottom:22px;padding:0;letter-spacing:-.02em}
.hint{font-size:.9rem;color:var(--muted);margin:-10px 0 18px}
.drops{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.drop{position:relative;border:1.5px dashed #C3D0E8;border-radius:var(--r);padding:20px;cursor:pointer;margin:0;transition:.15s;background:var(--mist)}
.drop:hover,.drop.over{border-color:var(--blue);background:#EEF3FF}
.drop.has{border-style:solid;border-color:var(--teal);background:rgba(0,198,162,.06)}
.drop input{position:absolute;inset:0;opacity:0;cursor:pointer;margin:0}
.drop-n{display:block;font-weight:800;color:var(--ink)}
.drop-l{display:block;font-size:.8rem;color:var(--muted);font-weight:500}
.drop-f{display:block;margin-top:10px;font-size:.84rem;color:var(--blue);font-weight:600;word-break:break-all}
.sig-block{margin-bottom:18px}
.sig-head{display:flex;justify-content:space-between;font-weight:600;font-size:.85rem;color:var(--ink);margin-bottom:6px}
canvas.sig{width:100%;height:170px;border:1.5px solid var(--line);border-radius:12px;background:#fff;touch-action:none;cursor:crosshair}
canvas.sig.bad{border-color:var(--warn)}
.link-btn{background:none;border:0;color:var(--blue);font-weight:600;cursor:pointer;padding:0;font-size:.85rem}
.terms-box{background:var(--mist);border-radius:12px;padding:16px 18px;font-size:.82rem;line-height:1.55;margin:8px 0 16px;max-height:200px;overflow:auto}
.nav-btns{display:flex;justify-content:space-between;gap:12px;margin-top:24px;border-top:1px solid var(--line);padding-top:24px}
.nav-btns .btn:last-child{margin-left:auto}
.uploading{display:flex;gap:16px;align-items:center;background:var(--mist);border-radius:12px;padding:18px;margin-top:18px;font-size:.92rem}
.uploading[hidden]{display:none}
.spinner{width:30px;height:30px;border:3px solid #D5E0F3;border-top-color:var(--blue);border-radius:50%;animation:spin 1s linear infinite;flex:none}
@keyframes spin{to{transform:rotate(360deg)}}
.w-sm{max-width:260px}

/* Legal */
.legal{padding:64px 0 96px}
.legal section{margin-bottom:28px}
.legal h2{font-size:1.4rem;margin-top:1.4em}
.legal h3{font-size:1.1rem}

/* Footer */
.ftr{background:var(--navy);color:#8EA0C6;font-size:.92rem}
.ftr .wrap{padding-top:72px}
.ftr-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.08)}
.ftr .logo{color:#fff}
.ftr .logo small{color:#8EA0C6}
.ftr h4{color:#fff;font-size:.95rem;margin-bottom:16px}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin-bottom:10px}
.ftr a{color:#B8C4DE}
.ftr a:hover{color:#fff}
.ftr-legal{padding:28px 0 36px;font-size:.8rem;line-height:1.6}
.ftr-legal p{max-width:980px}
.ftr-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:16px;border-top:1px solid rgba(255,255,255,.08)}

/* Mobile CTA */
.mcta{display:none}

/* Motion */
.reveal{opacity:0;transform:translateY(16px);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}html{scroll-behavior:auto}}

/* Responsive */
@media (max-width:1080px){
  .nav,.hdr-cta .hdr-phone{display:none}
  .hdr-cta{margin-left:auto}
  .burger{display:block;margin-left:0}
  .mnav{display:none;border-top:1px solid var(--line);background:#fff;max-height:calc(100vh - 72px);overflow:auto}
  .mnav.open{display:block}
  .mnav a{display:block;padding:13px 20px;color:var(--ink);font-weight:600;border-bottom:1px solid var(--mist)}
  .mnav .grp{padding:14px 20px 4px;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
  .hero .wrap{grid-template-columns:1fr;gap:40px;padding-top:56px;padding-bottom:64px}
  .cards,.alist{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .split{grid-template-columns:1fr;gap:40px}
  .art{grid-template-columns:1fr;gap:40px}
  .aside-sticky{position:static}
  .ftr-grid{grid-template-columns:1fr 1fr}
  .apply-grid{grid-template-columns:1fr}
  .stepper{position:static;display:flex;gap:6px;overflow-x:auto;margin-bottom:0}
  .stepper li{flex-direction:column;gap:6px;font-size:.72rem;padding:0;min-width:64px;text-align:center}
  .apply-side .side-note{display:none}
}
@media (max-width:640px){
  body{font-size:16px}
  .sec{padding:64px 0}
  .topbar .hide-s{display:none}
  .hdr-cta .btn{padding:10px 14px;font-size:.88rem}
  .cards,.alist,.steps,.grid2,.drops{grid-template-columns:1fr}
  .grid3{grid-template-columns:1fr 1fr}.grid3>label:first-child{grid-column:1/-1}
  .stats b{font-size:1.5rem}
  .qcard,.panel{padding:22px}
  .offer{grid-template-columns:1fr 1fr;row-gap:8px}
  .ftr-grid{grid-template-columns:1fr}
  .hero-ctas .btn{flex:1 1 100%}
  .mcta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;gap:8px;padding:10px 12px;background:rgba(255,255,255,.96);border-top:1px solid var(--line);backdrop-filter:blur(8px)}
  .mcta .btn{flex:1;padding:14px}
  body.has-mcta{padding-bottom:72px}
  .nav-btns .btn{padding:14px 18px}
}
.bad-field{border-color:var(--warn)!important;box-shadow:0 0 0 4px rgba(180,35,24,.08)!important}
.radio-row.bad-field{border:1.5px solid var(--warn);border-radius:12px;padding:10px}
[hidden]{display:none!important}
.stepper{position:static}
.apply-side{position:sticky;top:100px}
@media (max-width:1080px){.apply-side{position:static}}
/* Lendy chat preview */
.lendy-card{display:block;text-decoration:none!important;color:var(--body);transition:transform .2s}
.lendy-card:hover{transform:translateY(-3px)}
.lendy-top{display:flex;align-items:center;gap:12px;padding-bottom:16px;border-bottom:1px solid var(--line)}
.lendy-av{width:44px;height:44px;border-radius:50%;display:grid;place-items:center;font-size:1.5rem;background:linear-gradient(135deg,#FFE3A3,#E3AE52);flex:none}
.lendy-top b{display:block;color:var(--ink);font-family:var(--display)}
.lendy-top small{display:flex;align-items:center;gap:6px;color:var(--teal-d);font-weight:600;font-size:.78rem}
.lendy-top small i{width:7px;height:7px;border-radius:50%;background:var(--teal)}
.lendy-lock{margin-left:auto;font-size:.75rem;color:var(--muted)}
.lendy-chat{padding:18px 0 20px;min-height:200px}
.bub{display:inline-block;background:var(--mist);border:1px solid var(--line);border-radius:14px 14px 14px 4px;padding:10px 14px;font-size:.92rem;margin:0 0 10px;max-width:90%;color:var(--ink)}
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.chips span{padding:8px 14px;border-radius:999px;border:1.5px solid rgba(0,86,255,.35);color:var(--blue);font-weight:600;font-size:.86rem;background:#fff}
/* Photography */
.bgphoto{position:absolute;inset:0;background-size:cover;background-position:center}
.bgphoto::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,16,41,.94) 0%,rgba(6,16,41,.78) 45%,rgba(6,16,41,.5) 100%)}
.bgphoto.even::after{background:linear-gradient(180deg,rgba(6,16,41,.82),rgba(6,16,41,.9))}
.hero:before,.page-hero:before,.band:before,.hero:after{z-index:1}
.hero .wrap,.page-hero .wrap,.band .wrap{position:relative;z-index:2}
.photo-stack{position:relative;padding:0 0 70px 40px}
.photo-stack .ph{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--r-lg);box-shadow:var(--shadow)}
.photo-stack .offers{position:absolute;left:0;bottom:0;width:min(440px,92%);box-shadow:var(--shadow-lg)}
.ind-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-bottom:22px}
.ind-card{position:relative;display:block;aspect-ratio:4/3;border-radius:var(--r-lg);overflow:hidden;color:#fff;text-decoration:none!important}
.ind-card img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.ind-card:hover img{transform:scale(1.05)}
.ind-card::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 40%,rgba(6,16,41,.88))}
.ind-card span{position:absolute;left:20px;right:20px;bottom:18px;z-index:1;font:800 1.2rem/1.2 var(--display)}
.ind-card small{display:block;font:600 .8rem/1.4 var(--sans);color:#9FE7D7;margin-top:4px}
.photo-band{position:relative;overflow:hidden;background:var(--navy)}
.photo-band .wrap{position:relative;z-index:2}
.photo-band .on-dark h2{color:#fff}
.photo-band .on-dark p{color:#C9D3EA}
.photo-band .on-dark .kicker{color:#7FE9D3}
.photo-band .on-dark strong{color:#fff}
.about-photo{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--r-lg);box-shadow:var(--shadow);margin-bottom:20px}
.art-photo{width:100%;aspect-ratio:16/9;object-fit:cover;border-radius:var(--r-lg);margin-bottom:28px}
@media (max-width:1080px){.ind-grid{grid-template-columns:1fr 1fr}.photo-stack{padding:0 0 90px 0}}
@media (max-width:640px){.ind-grid{grid-template-columns:1fr}.photo-stack{padding:0}.photo-stack .offers{position:relative;width:100%;margin-top:-40px}}
.photo-stack .ph,.about-photo,.art-photo{height:auto}