/* Layout: calm light pages with one deep-teal "ledger" hero band; a triage card in the hero is the conversion engine; every page ends in the same intake CTA. */
:root{
  --bg:#F5F8F7; --surface:#FFFFFF; --surface2:#EAF1EE; --fg:#0C1F1C; --muted:#4A615C; --line:#D5E1DC;
  --brand:#0E6B5B; --brand-fg:#FFFFFF; --brand-soft:#D7EFE6;
  --band:#08201C; --band-fg:#EAF6F1; --band-muted:#9FC1B7; --mint:#7FE3BC; --band-line:#1E3F38;
  --warn:#9A5B00; --warn-bg:#FFF1D6; --focus:#0E6B5B;
  --f-display:"Bricolage Grotesque","Segoe UI",system-ui,sans-serif;
  --f-body:"Hanken Grotesk","Segoe UI",system-ui,sans-serif;
  --f-mono:"IBM Plex Mono",ui-monospace,Consolas,monospace;
  --r:14px;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#0A1614; --surface:#10221F; --surface2:#16302B; --fg:#E6F3EE; --muted:#93B0A7; --line:#22403A;
  --brand:#5ED1A8; --brand-fg:#06201A; --brand-soft:#16352D; --band:#061310; --band-line:#1A3832;
  --warn:#F1B954; --warn-bg:#35280E; --focus:#7FE3BC; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0A1614; --surface:#10221F; --surface2:#16302B; --fg:#E6F3EE; --muted:#93B0A7; --line:#22403A;
  --brand:#5ED1A8; --brand-fg:#06201A; --brand-soft:#16352D; --band:#061310; --band-line:#1A3832;
  --warn:#F1B954; --warn-bg:#35280E; --focus:#7FE3BC; color-scheme:dark}

*{box-sizing:border-box}
body{background:var(--bg);color:var(--fg);font:400 1rem/1.6 var(--f-body);-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:var(--f-display);line-height:1.08;letter-spacing:-.02em;text-wrap:balance;margin:0}
h1{font-size:clamp(2.2rem,5.2vw,3.9rem);font-weight:700}
h2{font-size:clamp(1.7rem,3.4vw,2.5rem);font-weight:700}
h3{font-size:1.2rem;font-weight:600;letter-spacing:-.01em}
p{margin:0}
a{color:inherit}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px;border-radius:6px}
.wrap{max-width:1160px;margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
.eyebrow{font:500 .76rem/1 var(--f-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--brand)}
.band .eyebrow{color:var(--mint)}
.lead{font-size:1.15rem;color:var(--muted);max-width:60ch}
.band{background:var(--band);color:var(--band-fg)}
.band .lead{color:var(--band-muted)}
section{padding-block:clamp(48px,7vw,88px)}
.stack{display:flex;flex-direction:column;gap:16px}
.sechead{display:flex;flex-direction:column;gap:12px;margin-bottom:36px;max-width:68ch}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 1rem/1 var(--f-body);padding:15px 22px;border-radius:999px;border:1.5px solid transparent;cursor:pointer;text-decoration:none;min-height:50px;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--brand);color:var(--brand-fg)}
.band .btn-primary{background:var(--mint);color:#06201A}
.btn-ghost{border-color:var(--line);background:transparent;color:var(--fg)}
.band .btn-ghost{border-color:var(--band-line);color:var(--band-fg)}
.btn-sm{padding:11px 16px;min-height:42px;font-size:.92rem}
.row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}

/* header */
header.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:20;background:color-mix(in srgb,var(--bg) 92%,transparent);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:30;background:var(--bg)}
.nav{display:flex;align-items:center;gap:20px;padding-block:12px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font:700 1.25rem/1 var(--f-display);letter-spacing:-.01em}
.logo small{display:block;font:500 .6rem/1 var(--f-mono);letter-spacing:.18em;color:var(--muted);margin-top:4px}
.logo svg{width:36px;height:36px;flex:none}
.nav ul{display:flex;gap:4px;list-style:none;margin:0 0 0 auto;padding:0}
.nav ul a{display:block;padding:10px 14px;border-radius:999px;text-decoration:none;font-weight:600;font-size:.95rem;color:var(--muted)}
.nav ul a:hover,.nav ul a[aria-current=page]{color:var(--fg);background:var(--surface2)}
.nav .phone{font:500 .9rem var(--f-mono);text-decoration:none;white-space:nowrap}
.menu-btn{display:none;margin-left:auto;background:none;border:1.5px solid var(--line);color:var(--fg);border-radius:10px;padding:9px 12px;font:600 .9rem var(--f-body);cursor:pointer}
@media(max-width:940px){
  .nav ul{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;background:var(--bg);padding:12px max(16px,env(safe-area-inset-left,0px)) 18px;border-bottom:1px solid var(--line);margin:0}
  .nav ul.open{display:flex}
  .menu-btn{display:block}
  .nav .phone,.nav .btn{display:none}
}

/* pages */


/* hero */
.hero{padding-block:clamp(40px,6vw,80px) clamp(48px,7vw,88px);position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-12%;top:-30%;width:620px;height:620px;border-radius:50%;border:1px solid var(--band-line);box-shadow:0 0 0 70px transparent,0 0 0 71px var(--band-line),0 0 0 160px transparent,0 0 0 161px var(--band-line);pointer-events:none;opacity:.7}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(28px,5vw,64px);align-items:center;position:relative;z-index:1}
.hero h1 em{font-style:normal;color:var(--mint)}
.hero .lead{margin-block:20px 28px}
.proof{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:28px;font-size:.9rem;color:var(--band-muted)}
.proof span::before{content:"";display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--mint);margin-right:8px}
@media(max-width:900px){.hero-grid{grid-template-columns:minmax(0,1fr)}}

/* triage */
.triage{background:var(--surface);color:var(--fg);border-radius:20px;padding:26px;box-shadow:0 30px 60px -30px rgba(0,0,0,.6);display:flex;flex-direction:column;gap:16px;min-width:0}
.triage .eyebrow{color:var(--brand)}
.triage h2{font-size:1.5rem}
.prog{display:flex;gap:6px}
.prog i{flex:1;height:4px;border-radius:4px;background:var(--line)}
.prog i.d{background:var(--brand)}
.opts{display:flex;flex-direction:column;gap:10px}
.opt{display:flex;gap:12px;align-items:center;text-align:left;width:100%;background:var(--bg);border:1.5px solid var(--line);color:var(--fg);padding:14px 16px;border-radius:12px;font:600 1rem/1.3 var(--f-body);cursor:pointer;min-height:54px}
.opt:hover{border-color:var(--brand)}
.opt small{display:block;font-weight:400;color:var(--muted);font-size:.86rem;margin-top:2px}
.opt .dot{flex:none;width:18px;height:18px;border-radius:50%;border:2px solid var(--line)}
.opt:hover .dot{border-color:var(--brand)}
.result{background:var(--brand-soft);border-radius:12px;padding:16px;display:flex;flex-direction:column;gap:8px}
.result b{font-family:var(--f-display);font-size:1.15rem}
.fine{font-size:.82rem;color:var(--muted)}
.band .fine{color:var(--band-muted)}
.linkbtn{background:none;border:0;color:var(--muted);font:600 .88rem var(--f-body);cursor:pointer;text-decoration:underline;padding:6px 0;align-self:flex-start}

/* trust strip */
.strip{background:var(--surface2);padding-block:22px;border-block:1px solid var(--line)}
.strip ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.strip li{display:flex;flex-direction:column;gap:2px;font-size:.9rem;color:var(--muted)}
.strip li b{color:var(--fg);font-size:.98rem}
@media(max-width:800px){.strip ul{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* compare */
.cmp{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:28px;display:flex;flex-direction:column;gap:14px;min-width:0}
.card.lead-card{border-color:var(--brand);box-shadow:0 0 0 1px var(--brand)}
.tag{align-self:flex-start;font:500 .72rem/1 var(--f-mono);letter-spacing:.08em;text-transform:uppercase;padding:6px 10px;border-radius:999px;background:var(--brand-soft);color:var(--brand)}
.tag.warn{background:var(--warn-bg);color:var(--warn)}
.ticks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:10px}
.ticks li{display:flex;gap:10px;color:var(--muted)}
.ticks li::before{content:"";flex:none;width:18px;height:18px;margin-top:3px;border-radius:50%;background:var(--brand-soft) no-repeat center/10px url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 10'%3E%3Cpath d='M1.5 5.3 4 7.8 8.5 2.5' fill='none' stroke='%230E6B5B' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.ticks.x li::before{background:var(--warn-bg) no-repeat center/10px url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 10'%3E%3Cpath d='M2.5 2.5l5 5M7.5 2.5l-5 5' fill='none' stroke='%239A5B00' stroke-width='1.8' stroke-linecap='round'/%3E%3C/svg%3E")}
@media(max-width:800px){.cmp{grid-template-columns:minmax(0,1fr)}}
.table-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:var(--surface)}
table{border-collapse:collapse;width:100%;min-width:620px;font-size:.95rem}
th,td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{font:500 .74rem var(--f-mono);letter-spacing:.08em;text-transform:uppercase;color:var(--muted);background:var(--surface2)}
tr:last-child td{border-bottom:0}
td:first-child{font-weight:600;white-space:nowrap}

/* signs + steps */
.two{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(24px,5vw,64px);align-items:start}
@media(max-width:800px){.two{grid-template-columns:minmax(0,1fr)}}
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.step{display:flex;flex-direction:column;gap:10px;padding-top:18px;border-top:2px solid var(--brand)}
.step .when{font:500 .78rem var(--f-mono);color:var(--brand);letter-spacing:.06em;text-transform:uppercase}
@media(max-width:800px){.steps{grid-template-columns:minmax(0,1fr)}}

/* capital */
.prod{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.prod a.card{text-decoration:none;color:inherit;transition:border-color .15s,transform .15s}
.prod a.card:hover{border-color:var(--brand);transform:translateY(-2px)}
.kv{display:grid;grid-template-columns:auto 1fr;gap:6px 14px;font-size:.9rem;color:var(--muted);margin-top:4px}
.kv dt{font:500 .72rem var(--f-mono);letter-spacing:.06em;text-transform:uppercase;color:var(--brand);padding-top:3px}
.kv dd{margin:0}
@media(max-width:700px){.prod{grid-template-columns:minmax(0,1fr)}}

/* faq */
details{border-bottom:1px solid var(--line);padding-block:4px}
summary{cursor:pointer;font:600 1.08rem/1.4 var(--f-body);padding:16px 36px 16px 0;list-style:none;position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:4px;top:12px;font:400 1.6rem/1 var(--f-body);color:var(--brand)}
details[open] summary::after{content:"–"}
details p{color:var(--muted);padding-bottom:18px;max-width:68ch}

/* cta band */
.cta{text-align:left}
.cta .inner{display:flex;flex-wrap:wrap;gap:28px;justify-content:space-between;align-items:center}
.cta h2{max-width:20ch}

/* form */
.formshell{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:clamp(24px,4vw,48px);align-items:start}
@media(max-width:900px){.formshell{grid-template-columns:minmax(0,1fr)}}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:clamp(20px,4vw,36px);display:flex;flex-direction:column;gap:20px;min-width:0}
.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.fields .full{grid-column:1/-1}
@media(max-width:560px){.fields{grid-template-columns:minmax(0,1fr)}}
label{display:flex;flex-direction:column;gap:6px;font-weight:600;font-size:.92rem}
label span.h{font-weight:400;color:var(--muted);font-size:.82rem}
input,select,textarea{font:400 1rem var(--f-body);color:var(--fg);background:var(--bg);border:1.5px solid var(--line);border-radius:10px;padding:13px 14px;min-height:48px;width:100%}
input:focus,select:focus,textarea:focus{outline:3px solid color-mix(in srgb,var(--focus) 35%,transparent);border-color:var(--brand)}
input.bad,select.bad{border-color:#C0392B}
.err{color:#C0392B;font-size:.82rem;font-weight:500;min-height:0}
:root[data-theme="dark"] .err{color:#FF8C7E}
@media(prefers-color-scheme:dark){:root:not([data-theme="light"]) .err{color:#FF8C7E}}
.choice{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
@media(max-width:560px){.choice{grid-template-columns:minmax(0,1fr)}}
.choice label{flex-direction:row;align-items:flex-start;gap:12px;border:1.5px solid var(--line);border-radius:12px;padding:14px;cursor:pointer;background:var(--bg);font-weight:600}
.choice label:has(input:checked){border-color:var(--brand);background:var(--brand-soft)}
.choice input{width:20px;min-height:0;height:20px;margin-top:2px;accent-color:var(--brand);flex:none}
.choice small{display:block;font-weight:400;color:var(--muted);font-size:.84rem}
.side{display:flex;flex-direction:column;gap:16px;position:sticky;top:96px}
@media(max-width:900px){.side{position:static}}
.sidebox{background:var(--surface2);border-radius:var(--r);padding:22px;display:flex;flex-direction:column;gap:12px}
.drop{border:2px dashed var(--line);border-radius:14px;padding:30px;text-align:center;display:flex;flex-direction:column;gap:8px;align-items:center;background:var(--bg)}
.files{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.files li{display:flex;justify-content:space-between;gap:12px;background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:10px 14px;font-size:.9rem}
.files li span:last-child{font-family:var(--f-mono);color:var(--muted);flex:none}
.note{background:var(--warn-bg);color:var(--warn);border-radius:12px;padding:14px 16px;font-size:.9rem}

/* articles */
.arts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.art{display:flex;flex-direction:column;gap:10px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:24px;min-height:200px}
.art .read{margin-top:auto;font:500 .8rem var(--f-mono);color:var(--muted)}
@media(max-width:900px){.arts{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.arts{grid-template-columns:minmax(0,1fr)}}

/* footer */
footer{background:var(--band);color:var(--band-fg);padding-block:56px 110px}
.fgrid{display:grid;grid-template-columns:1.4fr repeat(3,minmax(0,1fr));gap:32px}
@media(max-width:800px){.fgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
footer h3{font:500 .74rem var(--f-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--mint);margin-bottom:12px}
footer ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
footer a{text-decoration:none;color:var(--band-muted)}
footer a:hover{color:var(--band-fg)}
.legal{margin-top:36px;padding-top:24px;border-top:1px solid var(--band-line);font-size:.8rem;color:var(--band-muted);display:flex;flex-direction:column;gap:10px;max-width:90ch}

/* mobile call bar */
.callbar{position:fixed;left:0;right:0;bottom:0;z-index:25;display:flex;gap:10px;padding:10px max(16px,env(safe-area-inset-right,0px)) calc(10px + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px));background:color-mix(in srgb,var(--bg) 94%,transparent);backdrop-filter:blur(10px);border-top:1px solid var(--line)}
.callbar .btn{flex:1}
@media(min-width:941px){.callbar{display:none}footer{padding-bottom:56px}}
.toast{position:fixed;left:50%;transform:translateX(-50%);bottom:90px;background:var(--fg);color:var(--bg);padding:12px 18px;border-radius:999px;font-weight:600;font-size:.9rem;z-index:40;max-width:calc(100% - 32px)}
.themebtn{background:none;border:0;color:var(--band-muted);font:500 .8rem var(--f-mono);cursor:pointer;padding:0;text-decoration:underline;align-self:flex-start}
@media(prefers-reduced-motion:reduce){*{transition:none!important}}

/* Production integrations; original mockup tokens and layouts retained. */
body{margin:0}[hidden]{display:none!important}html{scroll-padding-top:100px}.logo img{width:154px;height:auto;display:block}.logo span{display:none}.skip-link{position:fixed;top:8px;left:-9999px;z-index:100;background:var(--surface);color:var(--fg);padding:14px}.skip-link:focus{left:12px}.article-body{max-width:860px}.article-body h2{font-size:1.7rem;margin:30px 0 14px}.article-body h3{margin:24px 0 12px}.article-body p,.article-body ul,.article-body ol{margin:14px 0;color:var(--muted)}.article-body a{color:var(--brand)}.article-body .card{margin:20px 0}.fine a{text-underline-offset:3px}.form-state{margin-top:12px;color:var(--muted)}.error,.err{color:#ab3026}.success{color:var(--brand)}.error-box{padding:18px;border:1px solid #c35a46;border-radius:12px;background:var(--warn-bg);color:var(--fg)}.optional-details{border:1px solid var(--line);border-radius:12px;padding:0 16px}.optional-details .fields{padding-bottom:18px}.form-buttons{display:flex;gap:12px;flex-wrap:wrap}.assistant-toggle{position:fixed;right:20px;bottom:20px;z-index:35;border:0;box-shadow:0 8px 24px #0003}.assistant-panel{position:fixed;right:20px;bottom:84px;width:min(400px,calc(100vw - 32px));max-height:min(650px,calc(100dvh - 116px));z-index:60;background:var(--surface);border:1px solid var(--line);border-radius:18px;box-shadow:0 20px 70px #0004;display:flex;flex-direction:column;overflow:auto;color:var(--fg)}.assistant-head{padding:18px;border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:14px}.assistant-head strong,.assistant-head small{display:block}.assistant-head small{font-size:.78rem;color:var(--muted)}.assistant-head button{border:1px solid var(--line);background:var(--surface2);color:var(--fg);border-radius:50%;width:38px;height:38px;font-size:24px;cursor:pointer}.assistant-messages{overflow:auto;min-height:80px;max-height:260px;padding:16px;display:flex;flex-direction:column;gap:10px}.assistant-message{background:var(--surface2);padding:12px;border-radius:12px;font-size:.92rem;white-space:pre-line}.assistant-message.visitor{background:var(--brand-soft);margin-left:25px}.assistant-choices{padding:0 16px;display:flex;gap:8px;flex-wrap:wrap}.assistant-choices button{border:1px solid var(--line);color:var(--fg);background:var(--bg);border-radius:12px;padding:10px;font:600 .85rem var(--f-body);text-align:left;cursor:pointer}.assistant-form{padding:16px;display:grid;gap:8px}.assistant-form label{font-weight:400;font-size:.8rem}.assistant-foot{padding:14px 16px;font-size:.75rem;color:var(--muted)}.modal-shade{position:fixed;inset:0;background:#001e1855;z-index:50}.assistant-panel input{min-width:0}.assistant-panel .btn{min-height:44px}.upload-list{padding:0;list-style:none}.upload-list li{padding:14px;border-bottom:1px solid var(--line)}.file-picker{margin:20px 0}.fine-print{font-size:.85rem;color:var(--muted)}.intake-fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}.intake-fields .wide{grid-column:1/-1}button:disabled{opacity:.65;cursor:wait}.legal-appendix{margin-top:30px}.legal-appendix .article-body{padding-bottom:24px}#documentUploadForm{display:grid;gap:14px}.sr-only{position:absolute;left:-9999px}.art a{color:var(--brand)}.btn-light{background:var(--surface2);color:var(--fg)}.btn-dark,.btn-teal{background:var(--brand);color:var(--brand-fg)}
@media(max-width:940px){.assistant-toggle{bottom:calc(86px + env(safe-area-inset-bottom,0px));right:16px}.assistant-panel{right:16px;bottom:calc(150px + env(safe-area-inset-bottom,0px));max-height:calc(100dvh - 180px)}body{padding-bottom:82px}.logo img{width:145px}.intake-fields{grid-template-columns:1fr}.intake-fields .wide{grid-column:auto}.assistant-messages{max-height:35dvh}}
@media(max-width:420px){.assistant-panel{bottom:calc(145px + env(safe-area-inset-bottom,0px))}.logo img{width:136px}.card{padding:22px}.triage{padding:22px}}

.optional-details{position:relative}.optional-details summary::after{top:12px}.optional-details:not([open])>*:not(summary){display:none}.article-intro h1{margin-bottom:20px}.article-cta{margin:32px 0}.story-card{padding:24px;border:1px solid var(--line);border-radius:14px;margin:18px 0;background:var(--surface)}
.article-body a.btn{color:var(--brand-fg)}.article-body a.btn-light,.article-body a.btn-ghost{color:var(--fg)}.article-body section{padding-block:24px}.article-body section>.wrap{padding-inline:0}.article-body .article-intro{padding-top:0}.article-body .section-index{color:var(--brand);font:500 .76rem var(--f-mono);letter-spacing:.1em}.article-body .chapter-lede{color:var(--muted)}

/* Transparent Finance identity, retaining the established K mark and palette. */
.logo{color:var(--brand);flex-shrink:0}.logo svg.finance-logo{display:block;width:174px;height:auto;flex:none;overflow:visible}
@media(max-width:940px){.logo svg.finance-logo{width:174px}.nav{min-height:76px}}
@media(max-width:420px){.logo svg.finance-logo{width:164px}}