/* Instant Business Finance — site styles
   Palette pulled from the IBF logo: navy #19273E, green #58973C, pushed vivid for speed. */
:root{
  --navy:#19273E; --navy-2:#0F1A2C; --navy-3:#24385A;
  --green:#58973C; --green-vivid:#2FA84F; --green-hot:#3CC25A; --green-bright:#8BE35F; --lime:#D2F76E;
  --mint:#EEF7E8; --mint-2:#E1F1D7; --paper:#FFFFFF; --paper-2:#F6F9F4;
  --ink:#152033; --ink-2:#34445C; --muted:#5E6D66; --line:#DCE6D6; --line-2:#C8D8C0;
  --shadow:0 18px 40px -18px rgba(15,26,44,.35); --shadow-sm:0 6px 18px -10px rgba(15,26,44,.3);
  --r:14px; --r-sm:10px; --gutter:clamp(16px,4vw,40px); --max:1220px;
  --f-display:"Archivo",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --f-body:"Figtree",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --slant:clamp(28px,5vw,72px);
  color-scheme:light;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font:400 17px/1.6 var(--f-body);text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--green-vivid);text-underline-offset:3px}
a:hover{color:var(--green)}
:focus-visible{outline:3px solid var(--green-hot);outline-offset:3px;border-radius:4px}
h1,h2,h3,h4{font-family:var(--f-display);color:var(--navy);line-height:1.08;margin:0 0 .5em;text-wrap:balance;font-stretch:112%;letter-spacing:-.01em}
h1{font-size:clamp(2.2rem,5.2vw,4.1rem);font-weight:850}
h2{font-size:clamp(1.7rem,3.4vw,2.7rem);font-weight:820}
h3{font-size:clamp(1.15rem,1.8vw,1.35rem);font-weight:760;font-stretch:105%}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin-inline:auto;padding-inline:var(--gutter)}
.narrow{max-width:760px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:99}
.skip:focus{left:10px}
em.fast,.fast{font-style:italic;color:var(--green-vivid);font-weight:900}
.on-dark .fast,.hero .fast{color:var(--green-bright)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font:800 .78rem/1 var(--f-display);letter-spacing:.12em;text-transform:uppercase;color:var(--green-vivid);margin-bottom:14px;font-stretch:120%}
.eyebrow::before{content:"";width:22px;height:4px;background:currentColor;transform:skewX(-30deg)}
.on-dark .eyebrow{color:var(--green-bright)}
.lead{font-size:clamp(1.05rem,1.5vw,1.22rem);color:var(--ink-2);max-width:62ch}
.on-dark{color:#DCE6F2}
.on-dark h1,.on-dark h2,.on-dark h3{color:#fff}
.on-dark .lead{color:#C9D6E6}

/* ---------- buttons ---------- */
.btn{--bg:var(--green-vivid);--fg:#fff;display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 24px;border:0;border-radius:999px;background:var(--bg);color:var(--fg);font:800 1rem/1 var(--f-display);font-stretch:110%;letter-spacing:.01em;text-decoration:none;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,background .15s;box-shadow:0 10px 22px -12px rgba(47,168,79,.9);position:relative;overflow:hidden;white-space:nowrap}
.btn:hover{color:var(--fg);transform:translateY(-2px);background:var(--green-hot)}
.btn .arrow{transition:transform .2s}
.btn:hover .arrow{transform:translateX(4px)}
.btn--ghost{--bg:transparent;--fg:var(--navy);box-shadow:inset 0 0 0 2px var(--line-2)}
.btn--ghost:hover{background:var(--mint);--fg:var(--navy)}
.on-dark .btn--ghost{--fg:#fff;box-shadow:inset 0 0 0 2px rgba(255,255,255,.35)}
.on-dark .btn--ghost:hover{background:rgba(255,255,255,.08)}
.btn--navy{--bg:var(--navy);box-shadow:none}
.btn--navy:hover{background:var(--navy-3)}
.btn--lg{min-height:60px;padding:0 30px;font-size:1.08rem}
.btn--sm{min-height:42px;padding:0 18px;font-size:.92rem}
.btn--block{width:100%}
.tel{display:inline-flex;align-items:center;gap:8px;font:800 1.02rem/1 var(--f-display);color:var(--navy);text-decoration:none;font-stretch:108%;white-space:nowrap}
.tel svg{width:18px;height:18px;color:var(--green-vivid)}
.on-dark .tel{color:#fff}

/* ---------- top bar + header ---------- */
.topbar{background:var(--navy-2);color:#C9D6E6;font-size:.84rem}
.topbar .wrap{display:flex;gap:22px;align-items:center;justify-content:center;min-height:36px;flex-wrap:wrap;padding-block:6px}
.topbar span{display:inline-flex;align-items:center;gap:7px}
.topbar svg{width:14px;height:14px;color:var(--green-bright)}
@media (max-width:760px){.topbar span:nth-child(n+2){display:none}}
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;gap:22px;min-height:76px}
.brand{display:block;flex:none}
.brand img{width:202px;height:57px}
.nav{display:flex;gap:4px;margin-left:auto;align-items:center}
.nav > .nav-item{position:relative}
.nav-link{display:inline-flex;align-items:center;gap:6px;padding:10px 12px;border-radius:8px;font:700 .98rem/1 var(--f-body);color:var(--navy);text-decoration:none;background:none;border:0;cursor:pointer}
.nav-link:hover,.nav-item:focus-within > .nav-link{background:var(--mint);color:var(--navy)}
.nav-link svg{width:12px;height:12px;transition:transform .2s}
.mega{position:absolute;top:calc(100% + 10px);left:50%;transform:translate(-50%,6px);width:min(760px,92vw);background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:22px;display:grid;grid-template-columns:repeat(3,1fr);gap:4px 18px;opacity:0;visibility:hidden;transition:opacity .15s,transform .15s}
.mega::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.nav-item:hover .mega,.nav-item:focus-within .mega,.nav-item.open .mega{opacity:1;visibility:visible;transform:translate(-50%,0)}
.mega h4{grid-column:1/-1;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:4px 0 8px;font-stretch:120%}
.mega a{display:block;padding:8px 10px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem}
.mega a small{display:block;color:var(--muted);font-weight:500;font-size:.8rem}
.mega a:hover{background:var(--mint);color:var(--navy)}
.mega .mega-all{grid-column:1/-1;margin-top:8px;border-top:1px solid var(--line);padding-top:12px;font-weight:800;color:var(--green-vivid)}
.header-cta{display:flex;align-items:center;gap:16px;margin-left:12px}
.menu-btn{display:none;margin-left:auto;width:48px;height:48px;border-radius:12px;border:1px solid var(--line);background:#fff;align-items:center;justify-content:center;cursor:pointer}
.menu-btn svg{width:24px;height:24px;color:var(--navy)}
@media (max-width:1180px){.header-cta .tel{display:none}}
@media (max-width:1020px){
  .nav,.header-cta{display:none}
  .menu-btn{display:inline-flex}
  .brand img{width:170px;height:auto}
  .site-header.menu-open .nav{display:flex;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;background:#fff;border-bottom:1px solid var(--line);padding:10px var(--gutter) 20px;max-height:calc(100vh - 110px);overflow:auto;box-shadow:var(--shadow)}
  .site-header.menu-open .header-cta{display:flex;position:fixed;left:0;right:0;bottom:0;padding:12px var(--gutter) calc(12px + env(safe-area-inset-bottom,0px));background:#fff;border-top:1px solid var(--line);margin:0;z-index:60;justify-content:space-between}
  .site-header.menu-open .header-cta .tel{display:inline-flex}
  .mega{position:static;transform:none;width:auto;opacity:1;visibility:visible;box-shadow:none;border:0;padding:0 0 8px 12px;display:none;grid-template-columns:1fr}
  .nav-item.open .mega{display:grid;transform:none}
  .nav-link{width:100%;justify-content:space-between;padding:14px 8px;font-size:1.05rem}
  .nav-item.open > .nav-link svg{transform:rotate(180deg)}
}

/* ---------- speed lines ---------- */
.speedlines{position:absolute;inset:0;overflow:hidden;pointer-events:none}
.speedlines i{position:absolute;height:2px;left:-40%;width:40%;background:linear-gradient(90deg,transparent,rgba(139,227,95,.7),transparent);animation:zoom 2.8s linear infinite;opacity:.55}
.speedlines i:nth-child(1){top:18%;animation-delay:-.4s}
.speedlines i:nth-child(2){top:34%;width:28%;animation-duration:2.2s;animation-delay:-1.4s}
.speedlines i:nth-child(3){top:52%;animation-duration:3.4s;animation-delay:-2s}
.speedlines i:nth-child(4){top:71%;width:22%;animation-duration:2s;animation-delay:-.9s}
.speedlines i:nth-child(5){top:86%;animation-duration:3s;animation-delay:-2.6s}
@keyframes zoom{to{left:120%}}
@media (prefers-reduced-motion:reduce){.speedlines i{animation:none;display:none}*{scroll-behavior:auto!important;transition:none!important}}

/* ---------- home hero ---------- */
.hero{position:relative;background:var(--navy);color:#DCE6F2;overflow:hidden;isolation:isolate}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:var(--slant);background:var(--paper);clip-path:polygon(0 100%,100% 0,100% 100%);z-index:2}
.hero-photo{position:absolute;inset:0 0 0 46%;z-index:-1}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:40% 30%}
.hero-photo::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--navy) 0%,rgba(25,39,62,.75) 22%,rgba(25,39,62,.1) 60%,rgba(25,39,62,.35) 100%);z-index:1}
.hero-photo{clip-path:polygon(12% 0,100% 0,100% 100%,0 100%)}
.hero .wrap{position:relative;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:clamp(24px,4vw,56px);align-items:center;padding-block:clamp(40px,6vw,84px) calc(var(--slant) + clamp(40px,5vw,70px))}
.hero h1{color:#fff;font-size:clamp(2.5rem,6vw,4.7rem);margin-bottom:.35em}
.hero h1 .line{display:block}
.hero .lead{color:#D2DDEA;margin-bottom:26px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-bottom:28px}
.promise{display:flex;flex-wrap:wrap;gap:10px;padding:0;margin:0;list-style:none}
.promise li{display:inline-flex;align-items:center;gap:8px;padding:9px 14px 9px 11px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);font-weight:650;font-size:.92rem;color:#fff}
.promise svg{width:18px;height:18px;color:var(--green-bright);flex:none}
@media (max-width:900px){
  .hero .wrap{grid-template-columns:1fr}
  .hero-photo{inset:0;clip-path:none}
  .hero-photo::before{background:linear-gradient(180deg,rgba(25,39,62,.82),rgba(25,39,62,.93) 45%,var(--navy))}
}

/* ---------- qualify card ---------- */
.qcard{position:relative;background:#fff;color:var(--ink);border-radius:22px;box-shadow:0 30px 60px -24px rgba(5,12,24,.6);padding:clamp(20px,3vw,30px);border:1px solid var(--line)}
.qcard-head{display:flex;align-items:center;gap:14px;margin-bottom:16px}
.stopwatch{--p:0;flex:none;width:58px;height:58px;border-radius:50%;background:conic-gradient(var(--green-vivid) calc(var(--p)*1%),var(--mint-2) 0);display:grid;place-items:center;transition:--p .4s}
.stopwatch span{width:46px;height:46px;border-radius:50%;background:#fff;display:grid;place-items:center;font:900 .95rem/1 var(--f-display);color:var(--navy);font-stretch:110%}
.qcard-title{font:850 1.28rem/1.15 var(--f-display);color:var(--navy);margin:0;font-stretch:110%}
.qcard-sub{font-size:.88rem;color:var(--muted);margin:2px 0 0}
.qstep{display:none;border:0;margin:0;padding:0;min-width:0}
.qstep.active{display:block;animation:slidein .28s ease}
@keyframes slidein{from{opacity:0;transform:translateX(18px)}to{opacity:1;transform:none}}
.qstep legend{font:800 1.06rem/1.25 var(--f-display);color:var(--navy);margin-bottom:12px;padding:0;font-stretch:105%}
.opts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:9px}
.opts.cols-1{grid-template-columns:1fr}
.opt{position:relative}
.opt input{position:absolute;opacity:0;pointer-events:none}
.opt label{display:flex;align-items:center;gap:10px;min-height:54px;padding:10px 14px;border-radius:12px;border:1.5px solid var(--line-2);background:var(--paper-2);font-weight:700;font-size:.95rem;line-height:1.2;cursor:pointer;transition:border-color .12s,background .12s,transform .12s;color:var(--ink)}
.opt label small{display:block;font-weight:500;color:var(--muted);font-size:.8rem;margin-top:2px}
.opt label:hover{border-color:var(--green-vivid);background:#fff}
.opt input:checked + label{border-color:var(--green-vivid);background:var(--mint);box-shadow:inset 0 0 0 1px var(--green-vivid)}
.opt input:focus-visible + label{outline:3px solid var(--green-hot);outline-offset:2px}
.opt .ico{flex:none;width:30px;height:30px;border-radius:8px;background:#fff;display:grid;place-items:center;color:var(--green-vivid);border:1px solid var(--line)}
.opt .ico svg{width:18px;height:18px}
.field{display:grid;gap:6px;margin-bottom:12px}
.field label{font-weight:700;font-size:.9rem;color:var(--ink-2)}
.field input,.field select{width:100%;min-height:52px;padding:0 14px;border-radius:12px;border:1.5px solid var(--line-2);background:#fff;font:500 1rem var(--f-body);color:var(--ink)}
.field input:focus,.field select:focus{outline:none;border-color:var(--green-vivid);box-shadow:0 0 0 3px rgba(47,168,79,.18)}
.field .err{color:#B3261E;font-size:.82rem;font-weight:600;display:none}
.field.invalid input{border-color:#B3261E}
.field.invalid .err{display:block}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media (max-width:460px){.row2{grid-template-columns:1fr}.opts{grid-template-columns:1fr}}
.qnav{display:flex;gap:10px;margin-top:14px;align-items:center}
.qback{background:none;border:0;color:var(--muted);font-weight:700;cursor:pointer;padding:10px 6px;font-size:.95rem}
.qback:hover{color:var(--navy)}
.qprogress{height:6px;background:var(--mint-2);border-radius:99px;overflow:hidden;margin:4px 0 16px}
.qprogress b{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--green-vivid),var(--green-bright));border-radius:99px;transition:width .35s ease}
.assure{display:flex;flex-wrap:wrap;gap:6px 14px;margin:14px 0 0;padding:12px 0 0;border-top:1px dashed var(--line-2);list-style:none;font-size:.82rem;color:var(--muted);font-weight:600}
.assure li{display:inline-flex;align-items:center;gap:6px}
.assure svg{width:15px;height:15px;color:var(--green-vivid)}
.qdone{display:none;text-align:left}
.qdone.active{display:block;animation:slidein .3s ease}
.qdone .tick{width:62px;height:62px;border-radius:50%;background:var(--mint);display:grid;place-items:center;color:var(--green-vivid);margin-bottom:12px}
.qdone .tick svg{width:34px;height:34px}
.lane-note{margin:10px 0 0;padding:12px 14px;border-radius:12px;background:var(--mint);font-size:.9rem;color:var(--ink-2)}
.lane-note b{color:var(--navy)}
.consent{font-size:.76rem;color:var(--muted);margin:8px 0 0;line-height:1.45}

/* ---------- stat band ---------- */
.statband{position:relative;margin-top:calc(var(--slant) * -.2);z-index:3}
.statband .wrap{display:grid;grid-template-columns:repeat(5,1fr);gap:0;background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);overflow:hidden}
.stat{padding:22px 18px;border-right:1px solid var(--line);display:grid;gap:4px;align-content:start}
.stat:last-child{border-right:0}
.stat b{font:900 clamp(1.6rem,3vw,2.3rem)/1 var(--f-display);color:var(--navy);font-stretch:118%;font-style:italic;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.stat b em{color:var(--green-vivid);font-style:italic}
.stat span{font-size:.88rem;color:var(--muted);font-weight:600;line-height:1.3}
@media (max-width:900px){.statband .wrap{grid-template-columns:repeat(2,1fr);margin-inline:var(--gutter);padding:0}.stat{border-bottom:1px solid var(--line)}.stat:nth-child(2n){border-right:0}.stat:last-child{grid-column:1/-1;border-bottom:0}}

/* ---------- sections ---------- */
.section{padding-block:clamp(56px,8vw,104px)}
.section--mint{background:var(--mint)}
.section--tint{background:var(--paper-2)}
.section--navy{background:var(--navy);color:#DCE6F2}
.slant-top{clip-path:polygon(0 var(--slant),100% 0,100% 100%,0 100%);padding-top:calc(var(--slant) + clamp(48px,7vw,90px));margin-top:calc(var(--slant) * -1)}
.sec-head{display:flex;justify-content:space-between;align-items:end;gap:24px;flex-wrap:wrap;margin-bottom:clamp(28px,4vw,44px)}
.sec-head > div{max-width:720px}
.sec-head p{margin:0;color:var(--ink-2);font-size:1.08rem}
.on-dark .sec-head p{color:#C9D6E6}

/* lanes */
.lanes{display:grid;grid-template-columns:1fr 1fr;gap:clamp(16px,2.4vw,28px)}
.lane{position:relative;border-radius:24px;overflow:hidden;background:var(--navy);color:#fff;display:grid;grid-template-rows:230px auto;box-shadow:var(--shadow)}
.lane > img{width:100%;height:230px;object-fit:cover}
.lane-tag{position:absolute;top:18px;left:18px;display:inline-flex;align-items:center;gap:8px;background:var(--lime);color:var(--navy);font:900 .82rem/1 var(--f-display);letter-spacing:.06em;text-transform:uppercase;padding:9px 13px;border-radius:999px;font-stretch:115%}
.lane-body{padding:26px clamp(20px,3vw,32px) 30px;display:grid;gap:12px;align-content:start}
.lane-body h3{color:#fff;font-size:clamp(1.5rem,2.6vw,2rem);font-weight:850;margin:0}
.lane-speed{font:900 clamp(2.4rem,5vw,3.6rem)/.95 var(--f-display);font-style:italic;color:var(--green-bright);font-stretch:120%;letter-spacing:-.02em}
.lane-speed small{display:block;font:600 .95rem/1.3 var(--f-body);font-style:normal;color:#C9D6E6;letter-spacing:0;margin-top:6px}
.checks{list-style:none;padding:0;margin:4px 0 8px;display:grid;gap:8px}
.checks li{display:flex;gap:10px;align-items:flex-start;line-height:1.4}
.checks svg{flex:none;width:20px;height:20px;color:var(--green-bright);margin-top:1px}
.light .checks svg,.checks.light svg{color:var(--green-vivid)}
.lane .btn{justify-self:start}
@media (max-width:860px){.lanes{grid-template-columns:1fr}}

/* speed track */
.track{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;counter-reset:s}
.track::before{content:"";position:absolute;left:4%;right:4%;top:34px;height:6px;border-radius:9px;background:repeating-linear-gradient(90deg,var(--green-vivid) 0 26px,transparent 26px 38px);opacity:.35}
.tstep{position:relative;padding:0 14px;text-align:left}
.tstep .dot{width:74px;height:74px;border-radius:50%;background:#fff;border:3px solid var(--green-vivid);display:grid;place-items:center;font:900 1.05rem/1 var(--f-display);color:var(--navy);font-stretch:110%;font-style:italic;position:relative;z-index:1;margin-bottom:16px;box-shadow:var(--shadow-sm)}
.tstep:last-child .dot{background:var(--green-vivid);color:#fff}
.tstep h3{margin-bottom:6px}
.tstep p{color:var(--ink-2);font-size:.97rem;margin:0}
@media (max-width:860px){.track{grid-template-columns:1fr 1fr;gap:28px 0}.track::before{display:none}}
@media (max-width:480px){.track{grid-template-columns:1fr}}

/* product cards */
.grid{display:grid;gap:clamp(14px,2vw,22px)}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:1020px){.g4{grid-template-columns:repeat(2,minmax(0,1fr))}.g3{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.g4,.g3,.g2{grid-template-columns:1fr}}
.pcard{display:grid;grid-template-rows:auto 1fr;border-radius:18px;overflow:hidden;background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--ink);transition:transform .18s,box-shadow .18s,border-color .18s}
.pcard:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--line-2);color:var(--ink)}
.pcard .ph{position:relative;aspect-ratio:16/10;overflow:hidden;background:var(--mint)}
.pcard .ph img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.pcard:hover .ph img{transform:scale(1.05)}
.pcard .speed{position:absolute;left:12px;bottom:12px;background:var(--navy);color:#fff;font:850 .8rem/1 var(--f-display);padding:8px 11px;border-radius:999px;display:inline-flex;gap:6px;align-items:center;font-stretch:112%}
.pcard .speed svg{width:13px;height:13px;color:var(--green-bright)}
.pcard .body{padding:18px 18px 20px;display:grid;gap:6px;align-content:start}
.pcard h3{margin:0;font-size:1.15rem}
.pcard p{margin:0;font-size:.94rem;color:var(--ink-2);line-height:1.5}
.pcard .more{margin-top:6px;font-weight:800;color:var(--green-vivid);font-size:.92rem}

/* use tiles */
.uses{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.use{position:relative;display:flex;align-items:flex-end;min-height:190px;border-radius:18px;overflow:hidden;text-decoration:none;color:#fff;isolation:isolate;background:var(--navy)}
.use img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;transition:transform .5s}
.use::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,26,44,0) 25%,rgba(15,26,44,.88));z-index:-1}
.use:hover img{transform:scale(1.06)}
.use span{padding:16px;font:800 1.08rem/1.15 var(--f-display);font-stretch:108%}
.use span small{display:block;font:600 .8rem/1.3 var(--f-body);color:var(--green-bright);margin-top:4px}
.use:hover{color:#fff}
.use.wide{grid-column:span 2}
@media (max-width:900px){.uses{grid-template-columns:repeat(2,minmax(0,1fr))}.use.wide{grid-column:span 2}}
@media (max-width:420px){.uses{grid-template-columns:1fr}.use.wide{grid-column:auto}}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:22px 0 0}
.chips a{display:inline-flex;align-items:center;gap:6px;padding:9px 14px;border-radius:999px;background:#fff;border:1px solid var(--line-2);font-weight:700;font-size:.9rem;color:var(--navy);text-decoration:none}
.chips a:hover{border-color:var(--green-vivid);background:var(--mint)}
.on-dark .chips a{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.18);color:#fff}
.on-dark .chips a:hover{background:rgba(139,227,95,.15);border-color:var(--green-bright)}

/* industries strip */
.strip{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(230px,1fr);gap:14px;overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:10px;scrollbar-width:thin}
.strip a{scroll-snap-align:start}
.icard{position:relative;display:block;border-radius:18px;overflow:hidden;aspect-ratio:3/4;color:#fff;text-decoration:none;isolation:isolate}
.icard img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;transition:transform .5s}
.icard::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 40%,rgba(15,26,44,.9));z-index:-1}
.icard:hover img{transform:scale(1.05)}
.icard div{position:absolute;left:16px;right:16px;bottom:16px}
.icard b{display:block;font:850 1.2rem/1.1 var(--f-display);font-stretch:110%}
.icard small{color:#D2DDEA;font-size:.86rem}

/* testimonials */
.quotes{display:grid;grid-template-columns:1.1fr 1fr 1fr;gap:18px;align-items:stretch}
.quote{background:#fff;border:1px solid var(--line);border-radius:20px;padding:26px;display:grid;gap:16px;align-content:space-between}
.quote blockquote{margin:0;font:600 1.12rem/1.5 var(--f-body);color:var(--ink)}
.quote blockquote::before{content:"\201C";display:block;font:900 3.4rem/.6 var(--f-display);color:var(--green-vivid);margin-bottom:8px}
.quote cite{font-style:normal;font-weight:800;color:var(--navy)}
.quote cite small{display:block;font-weight:600;color:var(--muted)}
.quote--photo{padding:0;overflow:hidden;position:relative;min-height:280px;background:var(--navy)}
.quote--photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.quote--photo .since{position:absolute;left:18px;bottom:18px;right:18px;background:rgba(15,26,44,.86);color:#fff;border-radius:14px;padding:16px 18px;backdrop-filter:blur(6px)}
.quote--photo .since b{display:block;font:900 2rem/1 var(--f-display);font-style:italic;color:var(--green-bright);font-stretch:118%}
@media (max-width:900px){.quotes{grid-template-columns:1fr}}

/* locations */
.cities{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:12px}
.city{position:relative;display:block;border-radius:16px;overflow:hidden;aspect-ratio:4/5;color:#fff;text-decoration:none;isolation:isolate}
.city img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.city::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 45%,rgba(15,26,44,.85));z-index:-1}
.city b{position:absolute;left:14px;bottom:12px;font:850 1.05rem/1.1 var(--f-display);font-stretch:110%}
.city b small{display:block;font:600 .75rem var(--f-body);color:var(--green-bright)}
.city:hover{color:#fff}
@media (max-width:1020px){.cities{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:520px){.cities{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* FAQ */
.faq{display:grid;gap:10px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 20px;transition:border-color .15s}
.faq details[open]{border-color:var(--line-2);box-shadow:var(--shadow-sm)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:16px;align-items:center;padding:18px 0;font:750 1.05rem/1.35 var(--f-body);color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:none;width:28px;height:28px;border-radius:50%;background:var(--mint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232FA84F' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M12 5v14M5 12h14'/%3E%3C/svg%3E") center/14px no-repeat;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .ans{padding:0 0 18px;color:var(--ink-2)}
.faq .ans p:last-child{margin:0}

/* CTA band */
.ctaband{position:relative;overflow:hidden;isolation:isolate;background:var(--navy);color:#fff}
.ctaband > img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2;object-position:50% 70%}
.ctaband::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(15,26,44,.95) 0%,rgba(15,26,44,.75) 50%,rgba(15,26,44,.25));z-index:-1}
.ctaband .wrap{padding-block:clamp(64px,9vw,120px);display:grid;gap:18px;justify-items:start}
.ctaband h2{color:#fff;font-size:clamp(2rem,4.6vw,3.6rem);max-width:15ch}
.ctaband p{color:#D2DDEA;max-width:54ch;font-size:1.1rem;margin:0}

/* ---------- inner pages ---------- */
.crumbs{font-size:.86rem;color:#A9B8CC;margin-bottom:18px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0}
.crumbs li+li::before{content:"/";margin-right:6px;opacity:.5}
.crumbs a{color:#D2DDEA;text-decoration:none}
.crumbs a:hover{color:var(--green-bright)}
.phero{position:relative;background:var(--navy);color:#DCE6F2;overflow:hidden;isolation:isolate}
.phero::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:calc(var(--slant)*.8);background:var(--paper);clip-path:polygon(0 100%,100% 0,100% 100%)}
.phero .wrap{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:clamp(24px,4vw,56px);align-items:center;padding-block:clamp(32px,5vw,64px) calc(var(--slant) + 36px)}
.phero h1{color:#fff;font-size:clamp(2.1rem,4.8vw,3.6rem)}
.phero .answer{font-size:clamp(1.05rem,1.4vw,1.18rem);color:#D9E3EF;max-width:62ch}
.phero-img{position:relative;border-radius:22px;overflow:hidden;aspect-ratio:4/3.2;box-shadow:0 30px 60px -24px rgba(0,0,0,.6);transform:skewX(-4deg);max-width:100%}
.phero-img img{width:112%;max-width:none;height:100%;object-fit:cover;transform:skewX(4deg) translateX(-6%)}
.phero-img .badge{position:absolute;right:14px;bottom:14px;transform:skewX(4deg);background:#fff;color:var(--navy);border-radius:14px;padding:10px 14px;font:900 1.25rem/1 var(--f-display);font-style:italic;font-stretch:115%;box-shadow:var(--shadow-sm)}
.phero-img .badge small{display:block;font:600 .72rem/1.2 var(--f-body);font-style:normal;color:var(--muted);margin-top:3px}
.facts{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 24px;padding:0;list-style:none}
.facts li{display:inline-flex;align-items:center;gap:7px;padding:8px 13px;border-radius:10px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);font-weight:700;font-size:.9rem;color:#fff}
.facts svg{width:16px;height:16px;color:var(--green-bright)}
@media (max-width:900px){.phero .wrap{grid-template-columns:1fr}.phero-img{transform:none;aspect-ratio:16/9}.phero-img img{transform:none;width:100%}.phero-img .badge{transform:none}}

.layout{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:clamp(28px,4vw,56px);align-items:start;padding-block:clamp(24px,4vw,48px) clamp(56px,7vw,90px)}
.layout aside{position:sticky;top:100px}
@media (max-width:1020px){.layout{grid-template-columns:1fr}.layout aside{position:static;order:-1}}
.prose h2{font-size:clamp(1.5rem,2.6vw,2.1rem);margin-top:1.6em}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.4em}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.4em}
.prose > p,.prose > ul{max-width:68ch}
.byline{display:flex;flex-wrap:wrap;gap:6px 16px;font-size:.85rem;color:var(--muted);margin-bottom:28px;padding-bottom:18px;border-bottom:1px solid var(--line)}
.byline b{color:var(--ink-2)}
.tbl{overflow-x:auto;border:1px solid var(--line);border-radius:14px;margin:18px 0 26px}
.tbl table{width:100%;border-collapse:collapse;font-size:.95rem;min-width:520px}
.tbl th,.tbl td{text-align:left;padding:12px 16px;border-bottom:1px solid var(--line);vertical-align:top}
.tbl thead th{background:var(--navy);color:#fff;font:800 .86rem var(--f-display);letter-spacing:.03em;font-stretch:110%}
.tbl tbody th{font-weight:700;color:var(--navy);width:34%;background:var(--paper-2)}
.tbl tr:last-child th,.tbl tr:last-child td{border-bottom:0}
.tbl .yes{color:var(--green-vivid);font-weight:800}
.stepsl{list-style:none;padding:0;margin:18px 0 26px;display:grid;gap:12px;counter-reset:st}
.stepsl li{counter-increment:st;display:grid;grid-template-columns:48px 1fr;gap:14px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px}
.stepsl li::before{content:counter(st);width:48px;height:48px;border-radius:12px;background:var(--mint);color:var(--green-vivid);display:grid;place-items:center;font:900 1.3rem var(--f-display);font-style:italic}
.stepsl b{display:block;color:var(--navy);font-size:1.02rem}
.stepsl span{color:var(--ink-2);font-size:.95rem}
.scenario{position:relative;margin:26px 0;padding:24px 24px 22px;border-radius:18px;background:var(--navy);color:#DCE6F2;overflow:hidden}
.scenario .tag{display:inline-block;font:800 .72rem/1 var(--f-display);letter-spacing:.12em;text-transform:uppercase;color:var(--navy);background:var(--lime);padding:6px 9px;border-radius:6px;margin-bottom:12px;font-stretch:118%}
.scenario h3{color:#fff;margin-bottom:8px}
.scenario p{margin:0 0 .6em}
.scenario .when{display:flex;flex-wrap:wrap;gap:8px;margin-top:12px}
.scenario .when span{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:8px;padding:6px 10px;font-size:.85rem;font-weight:700;color:#fff}
.callout{border-left:5px solid var(--green-vivid);background:var(--mint);padding:16px 18px;border-radius:0 12px 12px 0;margin:20px 0}
.callout p:last-child{margin:0}
.related{margin-top:40px}
.rlinks{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.rlinks a{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:14px 16px;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--navy);font-weight:700;background:#fff}
.rlinks a:hover{border-color:var(--green-vivid);background:var(--mint)}
.rlinks a::after{content:"\2192";color:var(--green-vivid);font-weight:900}
@media (max-width:560px){.rlinks{grid-template-columns:1fr}}
.aside-call{margin-top:14px;background:var(--paper-2);border:1px solid var(--line);border-radius:16px;padding:16px 18px;display:grid;gap:4px}
.aside-call small{color:var(--muted);font-weight:600}
.hub-intro{padding-block:clamp(28px,4vw,48px) 0}

/* calculator */
.calc{background:#fff;border:1px solid var(--line);border-radius:20px;padding:clamp(20px,3vw,30px);box-shadow:var(--shadow-sm)}
.calc output{display:block;font:900 clamp(2rem,4vw,2.8rem)/1 var(--f-display);font-style:italic;color:var(--navy);font-stretch:115%;margin:6px 0 4px;font-variant-numeric:tabular-nums}
.calc .range{display:grid;gap:6px;margin-bottom:16px}
.calc input[type=range]{width:100%;accent-color:var(--green-vivid)}
.calc .rv{font-weight:800;color:var(--navy)}

/* footer */
.site-footer{background:var(--navy-2);color:#A9B8CC;font-size:.93rem;padding-block:clamp(48px,6vw,72px) 110px}
.fgrid{display:grid;grid-template-columns:1.3fr repeat(4,1fr);gap:28px}
.fgrid h4{color:#fff;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:12px;font-stretch:120%}
.fgrid ul{list-style:none;padding:0;margin:0;display:grid;gap:7px}
.fgrid a{color:#C9D6E6;text-decoration:none}
.fgrid a:hover{color:var(--green-bright)}
.fbrand img{width:202px;height:57px;margin-bottom:16px}
.fbrand .tel{color:#fff;font-size:1.3rem;margin:10px 0}
.fbottom{margin-top:40px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);display:flex;flex-wrap:wrap;gap:10px 24px;justify-content:space-between;font-size:.84rem}
.fbottom a{color:#A9B8CC}
@media (max-width:1020px){.fgrid{grid-template-columns:1fr 1fr}.fbrand{grid-column:1/-1}}

/* sticky mobile bar */
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:40;display:none;gap:10px;padding:10px 12px calc(10px + env(safe-area-inset-bottom,0px));background:rgba(255,255,255,.97);border-top:1px solid var(--line);box-shadow:0 -10px 30px -18px rgba(15,26,44,.5);transform:translateY(110%);transition:transform .25s}
.mbar.show{transform:none}
.mbar .btn{flex:1;min-height:50px;font-size:.98rem}
.mbar .btn--ghost{flex:0 0 auto;padding:0 16px}
@media (max-width:760px){.mbar{display:flex}}

/* marquee of reasons */
.ticker{background:var(--green-vivid);color:#fff;overflow:hidden;white-space:nowrap;transform:skewY(-1.2deg);margin-block:-8px;position:relative;z-index:4}
.ticker div{display:inline-flex;gap:34px;padding:14px 0;animation:tick 40s linear infinite;font:850 1rem/1 var(--f-display);font-stretch:112%;font-style:italic;letter-spacing:.01em}
.ticker span{display:inline-flex;align-items:center;gap:34px}
.ticker span::after{content:"";width:10px;height:10px;background:var(--lime);transform:skewX(-20deg)}
@keyframes tick{to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.ticker div{animation:none}}
.note-strip{font-size:.8rem;color:var(--muted)}
/* refinements */
.nav-link{white-space:nowrap}
.nav{gap:0}
@media (max-width:1280px) and (min-width:1021px){.nav-link{padding:10px 9px;font-size:.94rem}.header-cta{gap:12px;margin-left:6px}}
.speedlines{left:42%}
@media (max-width:900px){.speedlines{left:0;opacity:.5}}
.quote{margin:0}
.mbar .btn svg{width:22px;height:22px}
.phero-img{margin-right:8px}
.uses{grid-auto-flow:row dense}
.site-footer .entity{margin:14px 0 0;font-size:.76rem;color:#8595AC;letter-spacing:.01em}
/* amount slider */
.amt{display:grid;gap:8px;margin:4px 0 16px}
.amt-val{font:900 clamp(2rem,5vw,2.6rem)/1 var(--f-display);font-style:italic;color:var(--navy);font-stretch:118%;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.amt-range{--fill:40%;-webkit-appearance:none;appearance:none;width:100%;height:12px;border-radius:99px;background:linear-gradient(90deg,var(--green-vivid) 0 var(--fill),var(--mint-2) var(--fill) 100%);outline:none;margin:10px 0 4px;cursor:pointer}
.amt-range::-webkit-slider-thumb{-webkit-appearance:none;width:32px;height:32px;border-radius:50%;background:#fff;border:4px solid var(--green-vivid);box-shadow:0 4px 12px -4px rgba(15,26,44,.5);cursor:grab}
.amt-range::-moz-range-thumb{width:26px;height:26px;border-radius:50%;background:#fff;border:4px solid var(--green-vivid);box-shadow:0 4px 12px -4px rgba(15,26,44,.5);cursor:grab}
.amt-range:focus-visible{outline:3px solid var(--green-hot);outline-offset:6px}
.amt-scale{display:flex;justify-content:space-between;font-size:.8rem;font-weight:700;color:var(--muted)}
/* ABN lookup */
.field.abr{position:relative}
.abr-list{position:absolute;left:0;right:0;top:100%;z-index:20;list-style:none;margin:4px 0 0;padding:6px;background:#fff;border:1px solid var(--line-2);border-radius:12px;box-shadow:var(--shadow);max-height:260px;overflow:auto}
.abr-list li{padding:9px 10px;border-radius:8px;cursor:pointer;display:grid;gap:2px}
.abr-list li:hover,.abr-list li:focus{background:var(--mint);outline:none}
.abr-list b{font-size:.92rem;color:var(--navy)}
.abr-list small{font-size:.78rem;color:var(--muted)}
.abn-ok{color:var(--green-vivid);font-weight:700;font-size:.84rem}
.err a{color:inherit;text-decoration:underline}