/* ==========================================================================
   Hypercube Finance — shared site stylesheet
   Used by every scaffolded page. Homepage keeps its hero-specific styles
   inline. Edit this file once, and every page picks up the change.
   ========================================================================== */

*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}

:root{
  --navy:#0a1628;
  --navy-light:#0f1f3a;
  --navy-panel:#0d1e3a;
  --blue-deep:#005bae;
  --blue:#0469c3;
  --blue-mid:#0496fd;
  --blue-bright:#28bbfe;
  --blue-pale:#92ddfd;
  --cream:#f0f4f8;
  --cream-dim:rgba(240,244,248,.55);
  --cream-soft:rgba(240,244,248,.82);
  --white:#ffffff;
  --stone:#7a8a9e;
  --hair:rgba(146,221,253,.14);
  --hair-strong:rgba(146,221,253,.28);
  --ff-display:'Source Serif 4',Georgia,serif;
  --ff-body:'IBM Plex Sans',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
  --page-max:1280px;
  --page-pad:80px;
}
@media (max-width:900px){:root{--page-pad:28px}}

::selection{background:var(--blue-mid);color:var(--white)}

html{scroll-behavior:smooth;overflow-x:hidden;scrollbar-width:none}
html::-webkit-scrollbar{display:none}
body{background:var(--navy);color:var(--cream);font-family:var(--ff-body);overflow-x:hidden;font-weight:400;line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;position:relative}
/* Ambient background: promoted to its own GPU layer so it doesn't repaint on scroll */
body::before{
  content:'';
  position:fixed;
  inset:0;
  background:
    radial-gradient(ellipse 80% 50% at 20% 12%, rgba(4,105,195,.08), transparent 60%),
    radial-gradient(ellipse 60% 40% at 85% 55%, rgba(40,187,254,.05), transparent 65%),
    radial-gradient(ellipse 70% 40% at 15% 90%, rgba(0,91,174,.06), transparent 60%);
  z-index:-1;
  pointer-events:none;
  transform:translateZ(0);
  will-change:transform;
}

a{color:inherit}
img{max-width:100%;height:auto}

/* --- Film grain overlay --------------------------------------------------- */
.grain{position:fixed;inset:-50%;width:200%;height:200%;pointer-events:none;z-index:9999;opacity:.3;
  background:url("data:image/svg+xml,%3Csvg viewBox='0 0 512 512' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.75' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.035'/%3E%3C/svg%3E");
  animation:grainMove 6s steps(8) infinite}
@keyframes grainMove{0%,100%{transform:translate(0)}20%{transform:translate(-3%,-6%)}40%{transform:translate(5%,3%)}60%{transform:translate(-4%,7%)}80%{transform:translate(6%,-4%)}}

/* --- NAV ------------------------------------------------------------------ */
.nav{position:fixed;top:0;left:0;right:0;z-index:500;display:flex;justify-content:space-between;align-items:center;padding:20px 40px;transition:background .4s,backdrop-filter .4s,padding .35s ease}
.nav.scrolled{padding:12px 40px;background:rgba(10,22,40,.92);backdrop-filter:blur(20px)}
.nav.scrolled .logo{height:54px}
.nav.scrolled .nav-links{height:54px}
.nav.scrolled .nav-cta{height:54px}

.logo{display:flex;align-items:center;cursor:pointer;text-decoration:none;transition:opacity .3s,transform .4s cubic-bezier(.23,1,.32,1);height:72px}
.logo:hover{opacity:1;transform:translateY(-1px)}
.logo-mark{display:block;line-height:0;flex:none;height:100%}
.logo-img{height:100%;width:auto;display:block;object-fit:contain;
  filter:
    drop-shadow(0 2px 4px rgba(10,22,40,.7))
    drop-shadow(0 8px 24px rgba(10,22,40,.55))
    drop-shadow(0 0 28px rgba(40,187,254,.22));
  transition:height .35s ease,filter .4s ease}
.logo:hover .logo-img{
  filter:
    drop-shadow(0 2px 4px rgba(10,22,40,.7))
    drop-shadow(0 10px 28px rgba(10,22,40,.6))
    drop-shadow(0 0 36px rgba(40,187,254,.35));
}
@media (max-width:900px){
  .logo{height:56px}
  .nav.scrolled .logo{height:48px}
}

.nav-links{display:flex;align-items:center;gap:26px;height:56px}
.nav-links > a:not(.nav-cta),.nav-links > .has-dropdown{display:inline-flex;align-items:center;height:100%}
.nav-links > a:not(.nav-cta),.nav-links > .has-dropdown > .nav-toggle{font-size:10.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--cream);text-decoration:none;position:relative;transition:opacity .3s,color .3s;background:none;border:0;padding:0;font-family:inherit;cursor:pointer;display:inline-flex;align-items:center;gap:6px;white-space:nowrap;line-height:1}
.nav-links > a:not(.nav-cta)::after,.nav-links > .has-dropdown > .nav-toggle::after{content:'';position:absolute;bottom:-6px;left:0;width:0;height:1px;background:var(--blue-bright);transition:width .35s cubic-bezier(.23,1,.32,1)}
.nav-links > a:not(.nav-cta):hover,.nav-links > .has-dropdown:hover > .nav-toggle{opacity:1;color:var(--white)}
.nav-links > a:not(.nav-cta):hover::after,.nav-links > .has-dropdown > .nav-toggle:hover::after{width:100%}
.nav-links > a.is-current::after{width:100%}
.nav-toggle svg{width:8px;height:8px;transition:transform .35s ease;opacity:.7}
.has-dropdown:hover .nav-toggle svg,.has-dropdown:focus-within .nav-toggle svg{transform:rotate(180deg);opacity:1}

.has-dropdown{position:relative}
.dropdown{position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%) translateY(8px);min-width:260px;background:rgba(15,31,58,.97);backdrop-filter:blur(24px);-webkit-backdrop-filter:blur(24px);border:1px solid var(--hair);border-top:1px solid var(--blue-bright);padding:12px 0;border-radius:4px;opacity:0;pointer-events:none;transition:opacity .35s cubic-bezier(.23,1,.32,1),transform .35s cubic-bezier(.23,1,.32,1);z-index:600;box-shadow:0 24px 60px -10px rgba(0,0,0,.5)}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;pointer-events:auto;transform:translateX(-50%) translateY(0)}
.dropdown::before{content:'';position:absolute;top:-14px;left:0;right:0;height:14px}
.dropdown a{display:flex;flex-direction:column;gap:3px;padding:13px 26px;font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--cream);text-decoration:none;transition:color .25s,background .25s,padding-left .25s;border-left:2px solid transparent;white-space:nowrap}
.dropdown a small{display:block;font-family:var(--ff-body);font-size:9px;font-weight:400;letter-spacing:.06em;text-transform:none;color:var(--cream-dim);margin-top:1px}
.dropdown a:hover{color:var(--white);background:rgba(40,187,254,.08);border-left-color:var(--blue-bright);padding-left:30px}
.dropdown a:hover small{color:var(--blue-pale)}
.dropdown a::after{display:none!important}
.dropdown-divider{height:1px;background:var(--hair);margin:8px 16px}

.nav-cta{font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--white)!important;text-decoration:none;padding:0 28px;height:56px;display:inline-flex;align-items:center;border:1px solid var(--hair-strong);border-radius:999px;transition:all .35s cubic-bezier(.23,1,.32,1);background:rgba(40,187,254,.05);white-space:nowrap;line-height:1;align-self:center}
.nav-cta:hover{background:var(--blue-mid);border-color:var(--blue-mid);transform:translateY(-1px)}
.nav-cta::after{display:none!important}

.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;z-index:600;padding:4px;background:none;border:0}
.hamburger span{display:block;width:24px;height:1.5px;background:var(--cream);transition:all .35s}
.hamburger.open span:nth-child(1){transform:rotate(45deg) translate(4px,5px)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:rotate(-45deg) translate(4px,-5px)}

.mobile-menu{position:fixed;inset:0;background:var(--navy);z-index:550;display:flex;flex-direction:column;align-items:flex-start;justify-content:flex-start;padding:96px 32px 40px;gap:0;overflow-y:auto;opacity:0;pointer-events:none;transition:opacity .4s}
.mobile-menu.open{opacity:1;pointer-events:all}
.mobile-menu .mm-section{width:100%;margin-bottom:18px;opacity:0;transform:translateY(20px);transition:opacity .5s,transform .5s}
.mobile-menu.open .mm-section{opacity:1;transform:translateY(0)}
.mm-section-label{font-size:9px;font-weight:600;letter-spacing:.28em;text-transform:uppercase;color:var(--blue-bright);margin-bottom:14px;display:block}
.mobile-menu a{font-family:var(--ff-display);font-size:26px;color:var(--cream);text-decoration:none;display:block;padding:8px 0;line-height:1.2;transition:color .3s,padding-left .3s}
.mobile-menu .mm-section a{font-size:18px;padding:6px 0}
.mobile-menu .mm-top a{font-size:28px;padding:10px 0}
.mobile-menu a:hover{color:var(--blue-bright);padding-left:8px}
.mm-cta{display:inline-block;margin-top:12px;padding:14px 26px;background:var(--blue-mid);color:var(--white)!important;border-radius:999px;font-family:var(--ff-body)!important;font-size:11px!important;font-weight:600;letter-spacing:.16em;text-transform:uppercase}
.mm-cta:hover{background:var(--blue-bright);padding-left:26px!important}

@media (max-width:1200px){
  .nav{padding:18px 32px}
  .nav-links{gap:20px}
  .nav-links > a:not(.nav-cta),.nav-links > .has-dropdown > .nav-toggle{font-size:10px;letter-spacing:.14em}
  .nav-cta{padding:0 18px;font-size:10px;letter-spacing:.14em}
}
@media (max-width:1080px){
  .nav-links{display:none}
  .nav-cta{display:none}
  .hamburger{display:flex}
}
@media (max-width:900px){
  .nav{padding:18px 24px}
}

/* --- Generic sub-page hero (not the homepage hero) ------------------------ */
.page-hero{position:relative;padding:200px var(--page-pad) 110px;max-width:var(--page-max);margin:0 auto;isolation:isolate}
.page-hero::before{content:'';position:absolute;inset:0;z-index:-1;background:
  radial-gradient(ellipse at 20% 0%,rgba(40,187,254,.12) 0%,transparent 60%),
  radial-gradient(ellipse at 90% 30%,rgba(4,150,253,.08) 0%,transparent 55%)}

/* Hero variant with background image. Applied via .has-image + a
   --hero-img custom property on the element. We keep the existing 1280px
   content grid intact (so the blue vertical accent stays glued to the
   copy) and make ONLY the ::before backdrop full-bleed, so the photo
   spans edge-to-edge behind a centred text column. The dark gradient
   overlay keeps body copy legible on any photo and preserves the navy
   brand tone. */
.page-hero.has-image::before{
  /* Break out of the 1280 container so the image spans the viewport. */
  left:calc(50% - 50vw);
  right:calc(50% - 50vw);
  background:
    linear-gradient(90deg,rgba(6,16,28,.94) 0%,rgba(6,16,28,.82) 38%,rgba(6,16,28,.58) 70%,rgba(6,16,28,.42) 100%),
    linear-gradient(180deg,rgba(6,16,28,.35) 0%,transparent 28%,rgba(6,16,28,.78) 100%),
    var(--hero-img) center right / cover no-repeat;
}
/* Thin hairline along the bottom edge to separate the hero from the
   first content section — the unlit photo-to-navy transition can feel
   mushy without it. */
.page-hero.has-image::after{
  content:'';
  position:absolute;
  left:calc(50% - 50vw);
  right:calc(50% - 50vw);
  bottom:0;
  height:1px;
  background:linear-gradient(90deg,transparent,var(--hair-strong) 35%,var(--hair-strong) 65%,transparent);
  z-index:0;
  pointer-events:none;
}
@media (max-width:900px){
  /* On narrow screens the horizontal gradient reads as a single dark
     vertical tint so the text stays readable against any photo crop. */
  .page-hero.has-image::before{
    background:
      linear-gradient(180deg,rgba(6,16,28,.82) 0%,rgba(6,16,28,.92) 100%),
      var(--hero-img) center / cover no-repeat;
  }
}
.page-hero-inner{position:relative;padding-left:34px;max-width:880px}
.page-hero-inner::before{content:'';position:absolute;left:0;top:6px;bottom:14px;width:1px;background:linear-gradient(180deg,transparent,var(--blue-bright) 18%,var(--blue-bright) 82%,transparent);opacity:.55}
.crumbs{display:flex;align-items:center;gap:10px;font-size:10.5px;letter-spacing:.2em;text-transform:uppercase;color:var(--cream-dim);margin-bottom:22px;flex-wrap:wrap}
.crumbs a{color:var(--cream-dim);text-decoration:none;transition:color .3s}
.crumbs a:hover{color:var(--blue-bright)}
.crumbs span.sep{color:rgba(146,221,253,.3);font-weight:400}
.crumbs span.current{color:var(--blue-bright)}
.eyebrow{display:flex;align-items:center;gap:14px;font-size:11px;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--blue-bright);margin-bottom:24px}
.eyebrow-line{width:42px;height:1px;background:var(--blue-bright)}
.page-h1{font-family:var(--ff-display);font-size:clamp(38px,5.4vw,72px);font-weight:400;color:var(--white);line-height:1.04;margin-bottom:28px;letter-spacing:-.018em;max-width:880px}
.page-h1 em{font-style:italic;color:var(--blue-pale);font-weight:400}
.page-lead{font-size:18px;line-height:1.6;color:rgba(240,244,248,.88);max-width:680px;font-weight:400}

/* --- Prose / body sections ------------------------------------------------ */
.section{padding:110px var(--page-pad);max-width:var(--page-max);margin:0 auto;position:relative;isolation:isolate}
.section.tight{padding:60px var(--page-pad)}

/* --- Scroll reveal --------------------------------------------------------
   One-way fade-up as elements enter the viewport. The `.reveal` class is
   applied by JS (so no-JS users see content immediately, never hidden).
   Once revealed, elements stay visible — scrolling back up never hides
   anything, which keeps the experience predictable. */
.reveal{opacity:0;transform:translate3d(0,28px,0);transition:opacity .95s cubic-bezier(.22,.61,.36,1),transform .95s cubic-bezier(.22,.61,.36,1);will-change:opacity,transform}
.reveal.in-view{opacity:1;transform:translate3d(0,0,0)}
/* Section-level fade happens as one block; child stagger is handled by
   .reveal-child below, which gets applied to grid items individually. */
/* Second reveal target: direct children of a revealed section get their own
   subtle cascade so the grid items don't all land at once */
.reveal-child{opacity:0;transform:translate3d(0,18px,0);transition:opacity .8s cubic-bezier(.22,.61,.36,1),transform .8s cubic-bezier(.22,.61,.36,1);will-change:opacity,transform}
.reveal-child.in-view{opacity:1;transform:translate3d(0,0,0)}
.reveal-child:nth-child(1){transition-delay:.04s}
.reveal-child:nth-child(2){transition-delay:.10s}
.reveal-child:nth-child(3){transition-delay:.16s}
.reveal-child:nth-child(4){transition-delay:.22s}
.reveal-child:nth-child(5){transition-delay:.28s}
.reveal-child:nth-child(6){transition-delay:.34s}

@media (prefers-reduced-motion: reduce){
  .reveal,.reveal-child{opacity:1;transform:none;transition:none}
}

/* Panel variant: full-bleed lighter background with sharp edge hairlines.
   Gives vertical rhythm by alternating against the base navy. */
.section.panel::before{
  content:'';
  position:absolute;
  top:0;bottom:0;
  left:calc(50% - 50vw);
  right:calc(50% - 50vw);
  background:
    radial-gradient(ellipse 65% 85% at 50% 0%, rgba(40,187,254,.10), transparent 62%),
    radial-gradient(ellipse 55% 70% at 50% 100%, rgba(4,150,253,.06), transparent 60%),
    linear-gradient(180deg, rgba(22,44,80,.92) 0%, rgba(18,36,68,.96) 50%, rgba(22,44,80,.92) 100%);
  z-index:-1;
  pointer-events:none;
  border-top:1px solid rgba(146,221,253,.22);
  border-bottom:1px solid rgba(146,221,253,.22);
  box-shadow:
    inset 0 1px 0 rgba(255,255,255,.03),
    0 1px 0 rgba(0,0,0,.25);
}
/* Top accent line for panels — a bright gradient whisker */
.section.panel::after{
  content:'';
  position:absolute;
  top:0;
  left:calc(50% - 50vw);
  right:calc(50% - 50vw);
  height:1px;
  background:linear-gradient(90deg, transparent 0%, var(--blue-bright) 35%, var(--blue-bright) 65%, transparent 100%);
  opacity:.6;
  pointer-events:none;
}

/* Stronger divider for sections that aren't panelled but still need a break */
.section.divided{border-top:none}
.section.divided::before{
  content:'';
  position:absolute;
  top:0;
  left:var(--page-pad);
  right:var(--page-pad);
  height:1px;
  background:linear-gradient(90deg, transparent 0%, var(--blue-bright) 30%, var(--blue-bright) 70%, transparent 100%);
  opacity:.45;
  pointer-events:none;
}
.section.divided::after{
  content:'';
  position:absolute;
  top:1px;
  left:var(--page-pad);
  right:var(--page-pad);
  height:1px;
  background:linear-gradient(90deg, transparent 0%, var(--hair-strong) 25%, var(--hair-strong) 75%, transparent 100%);
  pointer-events:none;
}
.section-label{font-size:11px;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--blue-bright);margin-bottom:16px;display:flex;align-items:center;gap:12px}
.section-label::before{content:'';width:28px;height:1px;background:var(--blue-bright)}
.section-heading{font-family:var(--ff-display);font-size:clamp(30px,3.8vw,46px);font-weight:400;color:var(--white);line-height:1.08;margin-bottom:28px;letter-spacing:-.012em;max-width:760px}
.section-heading em{font-style:italic;color:var(--blue-pale)}

.prose{max-width:720px;font-size:17px;line-height:1.72;color:rgba(240,244,248,.86);font-weight:400}
.prose p{margin-bottom:20px}
.prose p:last-child{margin-bottom:0}
.prose strong{color:var(--white);font-weight:600}
.prose a{color:var(--blue-bright);text-decoration:none;border-bottom:1px solid rgba(40,187,254,.35);transition:border-color .3s}
.prose a:hover{border-bottom-color:var(--blue-bright)}
.prose ul{margin:20px 0;padding-left:22px;list-style:none}
.prose ul li{position:relative;padding-left:14px;margin-bottom:10px}
.prose ul li::before{content:'';position:absolute;left:0;top:12px;width:6px;height:1px;background:var(--blue-bright)}

.two-col{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}
@media (max-width:900px){.two-col{grid-template-columns:1fr;gap:36px}}

/* --- Feature grid (service tiles, cluster cards, etc) -------------------- */
.grid{display:grid;gap:22px;margin-top:40px}
.grid.g-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid.g-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid.g-4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:1080px){
  .grid.g-3,.grid.g-4{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:700px){
  .grid.g-2,.grid.g-3,.grid.g-4{grid-template-columns:1fr}
}
.card{position:relative;padding:32px 30px;background:linear-gradient(180deg,rgba(15,31,58,.55),rgba(15,31,58,.2));border:1px solid var(--hair);border-radius:6px;transition:border-color .4s,transform .4s,background .4s;text-decoration:none;color:inherit;display:flex;flex-direction:column;gap:12px;overflow:hidden;isolation:isolate}
.card.has-icon{padding-top:30px}
.card-icon{width:34px;height:34px;color:var(--blue-bright);margin-bottom:18px;opacity:.95;transition:color .4s ease,transform .5s cubic-bezier(.22,.61,.36,1),filter .4s ease;filter:drop-shadow(0 0 14px rgba(40,187,254,.18))}
.card-icon svg{width:100%;height:100%;display:block;stroke-width:1.5}
.card:hover .card-icon{color:var(--blue-pale);transform:translateY(-2px);filter:drop-shadow(0 0 18px rgba(40,187,254,.3))}
a.card:hover .card-icon{transform:translateY(-3px) scale(1.04)}
.card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:2px;background:var(--blue-bright);transform:scaleY(0);transform-origin:top;transition:transform .45s cubic-bezier(.23,1,.32,1)}
.card:hover{border-color:var(--hair-strong);transform:translateY(-3px);background:linear-gradient(180deg,rgba(15,31,58,.75),rgba(15,31,58,.35))}
.card:hover::before{transform:scaleY(1)}
.card-eyebrow{font-size:9.5px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--blue-bright);margin-bottom:4px}
.card-title{font-family:var(--ff-display);font-size:22px;font-weight:500;color:var(--white);line-height:1.2;letter-spacing:-.008em}
.card-body{font-size:14.5px;line-height:1.55;color:var(--cream-soft);margin-top:4px}
.card-link{margin-top:auto;padding-top:18px;font-size:10.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--blue-bright);display:inline-flex;align-items:center;gap:8px}
.card-link svg{width:14px;height:10px;transition:transform .35s}
a.card:hover .card-link svg{transform:translateX(4px)}

/* --- Numbered steps (process) -------------------------------------------- */
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:30px;margin-top:44px}
@media (max-width:1080px){.steps{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:700px){.steps{grid-template-columns:1fr}}
.step{position:relative;padding:28px 26px 30px;border:1px solid var(--hair);border-radius:6px;background:rgba(15,31,58,.35);transition:border-color .4s,transform .4s}
.step:hover{border-color:var(--hair-strong);transform:translateY(-3px)}
.step-num{font-family:var(--ff-display);font-size:38px;color:var(--blue-bright);font-weight:500;font-style:italic;line-height:1;margin-bottom:16px;display:block}
.step-title{font-family:var(--ff-display);font-size:20px;color:var(--white);font-weight:500;margin-bottom:10px;letter-spacing:-.005em}
.step-body{font-size:14px;line-height:1.6;color:var(--cream-soft)}

/* --- FAQ accordion -------------------------------------------------------- */
.faq{margin-top:30px;max-width:820px}
.faq-item{border-bottom:1px solid var(--hair)}
.faq-item summary{padding:24px 40px 24px 0;font-family:var(--ff-display);font-size:20px;font-weight:500;color:var(--white);cursor:pointer;list-style:none;position:relative;transition:color .3s;line-height:1.3}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:'';position:absolute;right:4px;top:50%;width:14px;height:14px;background:
  linear-gradient(var(--blue-bright),var(--blue-bright)) center/14px 1.5px no-repeat,
  linear-gradient(var(--blue-bright),var(--blue-bright)) center/1.5px 14px no-repeat;
  transform:translateY(-50%);transition:transform .35s cubic-bezier(.23,1,.32,1)}
.faq-item[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.faq-item summary:hover{color:var(--blue-pale)}
.faq-body{padding:0 40px 26px 0;font-size:15.5px;line-height:1.72;color:rgba(240,244,248,.8)}

/* --- Compliance block ----------------------------------------------------- */
.compliance{margin-top:48px;padding:24px 28px;border-left:2px solid var(--blue-bright);background:rgba(40,187,254,.04);font-size:13px;line-height:1.7;color:var(--cream-soft);font-style:italic;max-width:820px}
.compliance strong{color:var(--white);font-style:normal;font-weight:600}

/* --- CTA block ------------------------------------------------------------ */
.cta-block{margin:80px var(--page-pad) 0;padding:70px 60px;max-width:var(--page-max);margin-left:auto;margin-right:auto;background:linear-gradient(135deg,rgba(15,31,58,.9),rgba(10,22,40,.9));border:1px solid var(--hair);border-radius:8px;position:relative;overflow:hidden}
.cta-block::before{content:'';position:absolute;top:-2px;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,var(--blue-bright),transparent)}
.cta-block::after{content:'';position:absolute;right:-100px;top:-100px;width:400px;height:400px;border-radius:50%;background:radial-gradient(circle,rgba(40,187,254,.12),transparent 60%);pointer-events:none}
.cta-inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:40px;flex-wrap:wrap}
.cta-copy{max-width:560px}
.cta-copy h3{font-family:var(--ff-display);font-size:clamp(26px,3.2vw,38px);font-weight:400;color:var(--white);margin-bottom:12px;line-height:1.15;letter-spacing:-.01em}
.cta-copy h3 em{font-style:italic;color:var(--blue-pale)}
.cta-copy p{font-size:15px;line-height:1.65;color:var(--cream-soft)}
@media (max-width:700px){.cta-block{padding:48px 32px;margin-top:60px}}

/* --- Buttons -------------------------------------------------------------- */
.btn-primary{display:inline-flex;align-items:center;gap:14px;padding:18px 34px;background:var(--blue-mid);color:var(--white)!important;text-decoration:none;font-size:12px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;border-radius:999px;transition:all .4s cubic-bezier(.23,1,.32,1);position:relative;overflow:hidden;box-shadow:0 8px 32px rgba(4,150,253,.28);border:0;cursor:pointer;font-family:inherit}
.btn-primary::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,var(--blue-bright),var(--blue-mid));opacity:0;transition:opacity .4s;z-index:0}
.btn-primary span,.btn-primary svg{position:relative;z-index:1}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 40px rgba(4,150,253,.42)}
.btn-primary:hover::before{opacity:1}
.btn-primary svg{transition:transform .35s}
.btn-primary:hover svg{transform:translateX(4px)}
.btn-ghost{display:inline-flex;align-items:center;gap:12px;padding:17px 30px;color:var(--cream);text-decoration:none;font-size:12px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;border-radius:999px;border:1px solid rgba(240,244,248,.22);transition:all .35s;background:none;cursor:pointer;font-family:inherit}
.btn-ghost:hover{background:rgba(240,244,248,.06);border-color:var(--blue-bright);color:var(--white)}
.btn-ghost .dot{width:6px;height:6px;border-radius:50%;background:var(--blue-bright);box-shadow:0 0 0 4px rgba(40,187,254,.18)}

/* --- Lender panel grid ---------------------------------------------------- */
.lender-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:16px;margin-top:36px}
@media (max-width:1080px){.lender-grid{grid-template-columns:repeat(4,minmax(0,1fr))}}
@media (max-width:700px){.lender-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
.lender-tile{aspect-ratio:2/1;border:1px solid var(--hair);border-radius:4px;display:flex;align-items:center;justify-content:center;background:rgba(15,31,58,.35);color:var(--cream-dim);font-size:11px;letter-spacing:.12em;text-transform:uppercase;font-weight:500;text-align:center;padding:10px}

/* --- Related links rail --------------------------------------------------- */
.related{margin-top:40px;display:flex;flex-wrap:wrap;gap:10px}
.related a{padding:10px 18px;border:1px solid var(--hair);border-radius:999px;font-size:11px;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--cream);text-decoration:none;transition:all .3s}
.related a:hover{border-color:var(--blue-bright);color:var(--white);background:rgba(40,187,254,.06)}

/* --- Stat strip ----------------------------------------------------------- */
.stat-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;border-top:1px solid var(--hair);border-bottom:1px solid var(--hair);margin-top:30px}
@media (max-width:900px){.stat-strip{grid-template-columns:repeat(2,minmax(0,1fr))}}
.stat{padding:30px 24px;border-right:1px solid var(--hair);text-align:left}
.stat:last-child{border-right:0}
.stat-num{font-family:var(--ff-display);font-size:40px;color:var(--blue-bright);font-weight:500;line-height:1;letter-spacing:-.01em}
.stat-label{font-size:10px;letter-spacing:.22em;text-transform:uppercase;color:var(--cream-dim);margin-top:10px;font-weight:600}

/* --- FOOTER --------------------------------------------------------------- */
.site-footer{margin-top:100px;border-top:1px solid var(--hair);background:linear-gradient(180deg,rgba(10,22,40,0),rgba(5,12,24,.8));position:relative}
.footer-top{max-width:var(--page-max);margin:0 auto;padding:80px var(--page-pad) 60px;display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr 1fr;gap:50px}
@media (max-width:1080px){.footer-top{grid-template-columns:1fr 1fr 1fr;gap:40px}}
@media (max-width:700px){.footer-top{grid-template-columns:1fr 1fr;gap:36px;padding:60px 28px 40px}}
.footer-brand{max-width:320px}
.footer-brand .footer-logo{height:40px;margin-bottom:20px;display:block}
.footer-brand p{font-size:14px;line-height:1.65;color:var(--cream-soft)}
.footer-brand .footer-contact{margin-top:14px;font-size:13.5px}
.footer-brand .footer-contact a{color:var(--blue-bright);text-decoration:none;border-bottom:1px solid rgba(146,221,253,.25);transition:color .3s,border-color .3s}
.footer-brand .footer-contact a:hover{color:var(--blue-pale);border-bottom-color:var(--blue-pale)}
.footer-col h4{font-family:var(--ff-body);font-size:10px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--blue-bright);margin-bottom:20px}
.footer-col ul{list-style:none}
.footer-col li{margin-bottom:11px}
.footer-col a{font-size:13.5px;color:var(--cream-soft);text-decoration:none;transition:color .3s,padding-left .3s;display:inline-block}
.footer-col a:hover{color:var(--white);padding-left:4px}
.footer-bottom{border-top:1px solid var(--hair);padding:28px var(--page-pad) 36px;max-width:var(--page-max);margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;font-size:12px;color:var(--cream-dim)}
.footer-legal{display:flex;gap:22px;flex-wrap:wrap}
.footer-legal a{color:var(--cream-dim);text-decoration:none;transition:color .3s}
.footer-legal a:hover{color:var(--blue-bright)}
.footer-copy{color:var(--cream-dim)}
.footer-compliance{max-width:var(--page-max);margin:0 auto;padding:0 var(--page-pad) 40px;font-size:11.5px;line-height:1.65;color:rgba(240,244,248,.45)}
.footer-compliance strong{color:var(--cream-soft);font-weight:600}
.footer-compliance a{color:var(--cream-dim);text-decoration:none;border-bottom:1px solid rgba(146,221,253,.2)}
.footer-compliance a:hover{color:var(--blue-bright)}

/* --- Breadcrumb-on-colored-hero tweak ------------------------------------ */
main{min-height:calc(100vh - 60px)}

/* --- Calculators ---------------------------------------------------------- */
.calc{margin-top:30px;display:grid;grid-template-columns:1.05fr 1fr;gap:32px;align-items:start}
@media (max-width:900px){.calc{grid-template-columns:1fr;gap:24px}}
.calc-form{background:linear-gradient(180deg,rgba(15,31,58,.55),rgba(15,31,58,.2));border:1px solid var(--hair);border-radius:6px;padding:32px 30px}
.calc-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:18px}
.calc-row.single{grid-template-columns:1fr}
@media (max-width:560px){.calc-row{grid-template-columns:1fr}}
.calc-field{display:flex;flex-direction:column;gap:8px}
.calc-field label{font-size:10px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--blue-bright)}
.calc-input,.calc-select{appearance:none;-webkit-appearance:none;background:rgba(10,22,40,.7);border:1px solid var(--hair-strong);border-radius:4px;padding:13px 14px;font-family:var(--ff-body);font-size:15px;font-weight:500;color:var(--white);transition:border-color .25s,background .25s;width:100%;line-height:1.2}
.calc-input:focus,.calc-select:focus{outline:none;border-color:var(--blue-bright);background:rgba(10,22,40,.92)}
.calc-input::-webkit-outer-spin-button,.calc-input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.calc-input[type=number]{-moz-appearance:textfield}
.calc-select{background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8' fill='none'><path d='M1 1l5 5 5-5' stroke='%2328bbfe' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/></svg>");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px}
.calc-help{font-size:11px;color:var(--cream-dim);margin-top:-4px}
.calc-toggle{display:flex;align-items:center;gap:10px;margin-bottom:18px;font-size:13px;color:var(--cream-soft);cursor:pointer;user-select:none}
.calc-toggle input{width:16px;height:16px;accent-color:var(--blue-mid);cursor:pointer}
.calc-toggle strong{color:var(--white);font-weight:600}
.calc-results{background:linear-gradient(180deg,rgba(40,187,254,.06),rgba(40,187,254,.02));border:1px solid var(--hair-strong);border-top:1px solid var(--blue-bright);border-radius:6px;padding:32px 30px;position:sticky;top:24px}
.calc-result-label{font-size:10px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--blue-bright);margin-bottom:10px}
.calc-result-primary{font-family:var(--ff-display);font-size:clamp(34px,4.4vw,46px);font-weight:500;color:var(--white);line-height:1.05;letter-spacing:-.01em;margin-bottom:6px}
.calc-result-sub{font-size:12.5px;color:var(--cream-dim);margin-bottom:24px}
.calc-result-list{display:grid;grid-template-columns:1fr;gap:14px;border-top:1px solid var(--hair);padding-top:22px}
.calc-result-row{display:flex;justify-content:space-between;align-items:baseline;gap:14px;font-size:13px;color:var(--cream-soft)}
.calc-result-row .k{color:var(--cream-dim);font-weight:500;letter-spacing:.04em}
.calc-result-row .v{color:var(--white);font-weight:600;font-variant-numeric:tabular-nums}
.calc-result-row.muted .v{color:var(--cream-soft);font-weight:500}
.calc-result-cta{margin-top:26px;padding-top:22px;border-top:1px solid var(--hair)}
.calc-result-cta a{display:inline-flex;align-items:center;gap:8px;font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--blue-bright);text-decoration:none;border-bottom:1px solid rgba(40,187,254,.35);padding-bottom:3px;transition:color .25s,border-color .25s}
.calc-result-cta a:hover{color:var(--white);border-bottom-color:var(--white)}
.calc-result-cta a svg{width:14px;height:10px}
.calc-note{margin-top:18px;font-size:11.5px;line-height:1.6;color:var(--cream-dim)}

/* --- Contact form --------------------------------------------------------- */
.contact-form{max-width:720px}
.cf-row{display:grid;grid-template-columns:1fr 1fr;gap:18px 24px;margin-bottom:18px}
.cf-row.single{grid-template-columns:1fr}
.cf-field{display:flex;flex-direction:column;gap:6px}
.cf-field label{font-size:11px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--cream)}
.cf-field textarea.calc-input{resize:vertical;min-height:120px;font-family:var(--ff-body)}
.contact-form .btn-primary{margin-top:8px;cursor:pointer}
@media(max-width:600px){.cf-row{grid-template-columns:1fr}}

/* --- Print safety --------------------------------------------------------- */
@media print{.nav,.mobile-menu,.grain,.site-footer{display:none}}