/* ==========================================================================
   SecureCapital Solutions — Global stylesheet
   Manrope-only. Editorial direction. Phantom hero, electric blue accent.
   ========================================================================== */

/* Self-hosted Manrope variable font. Replaces a render-blocking @import
   chain (site.css -> fonts.googleapis.com -> fonts.gstatic.com). The 200-800
   axis also covers the font-weight:200 rules that Google's 300-800 request
   never supplied. */
@font-face {
  font-family: 'Manrope';
  src: url('/assets/fonts/manrope-var.woff2') format('woff2');
  font-weight: 200 800;
  font-style: normal;
  font-display: swap;
}

/* Metric-matched fallback. Measured in-browser: Manrope renders 102.7% the
   advance width of Arial, so an unadjusted fallback reflows text when the real
   font swaps in. size-adjust removes that layout shift. */
@font-face {
  font-family: 'Manrope Fallback';
  src: local('Arial'), local('Helvetica Neue'), local('Liberation Sans');
  size-adjust: 102.7%;
  font-weight: 200 800;
  font-style: normal;
}

/* --------------------------------------------------------------------------
   Tokens
   -------------------------------------------------------------------------- */
:root {
  /* Brand */
  --paper: #FFFFFF;
  --blue: #0062FF;
  --blue-press: #0050D0;
  --blue-wash: #E6EFFF;

  /* Grayscale ramp (per brand book role-map) */
  --cloud:    #EDEFF7;
  --smoke:    #D3D6E0;
  --steel:    #BCBFCC;
  --space:    #9DA2B3;
  --graphite: #6E7180;
  --arsenic:  #40424D;
  --phantom:  #1E1E24;
  --black:    #000000;

  /* Type roles */
  --ink: var(--black);
  --ink-2: var(--arsenic);
  --body: var(--graphite);
  --muted: var(--space);
  --rule: var(--smoke);
  --rule-soft: #E5E7EE;

  /* Type */
  --font: 'Manrope', 'Manrope Fallback', system-ui, -apple-system, sans-serif;
  --h1: clamp(2.5rem, 5.6vw, 4rem);    /* 40 → 64 */
  --h2: clamp(2rem, 4.2vw, 3rem);      /* 32 → 48 */
  --sub1: clamp(1.5rem, 2.6vw, 2rem);  /* 24 → 32 */
  --sub2: 1.5rem;                       /* 24 */
  --p1: 1.125rem;                       /* 18 */
  --p2: 1rem;                           /* 16 */
  --eyebrow: 0.8125rem;                /* 13 */
  --chapter: clamp(7rem, 18vw, 14rem); /* numeral anchor */

  /* Layout */
  --container: 1280px;
  --container-narrow: 880px;
  --gutter: clamp(1.25rem, 4vw, 3rem);
  --section-y: clamp(4rem, 9vw, 8rem);

  /* Motion */
  --ease: cubic-bezier(.2,.7,.2,1);
}

/* --------------------------------------------------------------------------
   Base
   -------------------------------------------------------------------------- */
*,*::before,*::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: var(--p1);
  line-height: 1.55;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-feature-settings: 'kern','ss01';
}

img { display: block; max-width: 100%; height: auto; }
svg { display: block; flex-shrink: 0; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }

/* Typography */
h1,h2,h3,h4,h5 {
  font-family: var(--font);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.05;
  margin: 0 0 .5em;
  color: var(--ink);
}
h1 { font-size: var(--h1); font-weight: 800; letter-spacing: -0.035em; }
h2 { font-size: var(--h2); letter-spacing: -0.03em; }
h3 { font-size: var(--sub1); letter-spacing: -0.02em; }
h4 { font-size: var(--sub2); letter-spacing: -0.015em; }
p  { margin: 0 0 1em; color: var(--body); }
p.lead { font-size: clamp(1.125rem, 1.6vw, 1.375rem); color: var(--ink-2); }

.eyebrow {
  display: inline-block;
  font-size: var(--eyebrow);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--graphite);
}

strong, b { font-weight: 700; color: var(--ink); }

ul, ol { padding-left: 1.25em; margin: 0 0 1em; }
li { margin-bottom: .35em; }

hr {
  border: 0;
  height: 1px;
  background: var(--rule);
  margin: 3rem 0;
}

/* --------------------------------------------------------------------------
   Layout primitives
   -------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding-left: var(--gutter);
  padding-right: var(--gutter);
}
.container.narrow { max-width: var(--container-narrow); }

.section {
  padding-top: var(--section-y);
  padding-bottom: var(--section-y);
}

.section.dark {
  background: var(--phantom);
  color: var(--paper);
}
.section.dark h1, .section.dark h2, .section.dark h3, .section.dark h4 { color: var(--paper); }
.section.dark p { color: rgba(255,255,255,.72); }
.section.dark .eyebrow { color: rgba(255,255,255,.6); }

.section.cloud { background: var(--cloud); }

/* --------------------------------------------------------------------------
   Buttons
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  padding: 0.95rem 1.5rem;
  border-radius: 6px;
  font-weight: 600;
  font-size: 1rem;
  letter-spacing: -.01em;
  border: 1px solid transparent;
  background: var(--ink);
  color: var(--paper);
  transition: background .18s var(--ease), color .18s var(--ease), border-color .18s var(--ease), transform .18s var(--ease);
  cursor: pointer;
  white-space: nowrap;
}
.btn:hover { background: var(--blue); }
.btn:active { transform: translateY(1px); }

.btn-blue { background: var(--blue); color: var(--paper); }
.btn-blue:hover { background: var(--blue-press); }

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border-color: var(--rule);
}
.btn-ghost:hover { border-color: var(--ink); background: transparent; }

/* Ghost buttons on any dark surface. .cta-panel is dark but is NOT .section.dark,
   so without it here the label renders near-black on Phantom and is unreadable. */
.section.dark .btn-ghost,
.cta-panel .btn-ghost { color: var(--paper); border-color: rgba(255,255,255,.25); }
.section.dark .btn-ghost:hover,
.cta-panel .btn-ghost:hover { border-color: var(--paper); background: rgba(255,255,255,.06); }

.btn-lg { padding: 1.2rem 1.85rem; font-size: 1.0625rem; }

.btn .arrow { display: inline-block; transition: transform .18s var(--ease); }
.btn:hover .arrow { transform: translateX(4px); }

/* --------------------------------------------------------------------------
   Nav
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,.86);
  backdrop-filter: saturate(140%) blur(14px);
  -webkit-backdrop-filter: saturate(140%) blur(14px);
  border-bottom: 1px solid var(--rule-soft);
}
.nav {
  display: flex;
  align-items: center;
  gap: 2rem;
  height: 72px;
}
.nav-logo {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-weight: 800;
  font-size: 1.0625rem;
  letter-spacing: -.025em;
  color: var(--ink);
}
.nav-logo svg { width: 26px; height: auto; flex: 0 0 26px; }
.nav-logo .word-cap { font-weight: 500; }

.nav-list {
  display: flex;
  align-items: center;
  gap: .25rem;
  list-style: none;
  padding: 0;
  margin: 0 0 0 1.5rem;
}
.nav-list li { margin: 0; }
.nav-link {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  padding: .6rem .85rem;
  font-size: .9375rem;
  font-weight: 500;
  color: var(--ink-2);
  border-radius: 6px;
  transition: color .15s var(--ease), background .15s var(--ease);
}
.nav-link:hover { color: var(--ink); background: var(--cloud); }
.nav-link[aria-current="page"] { color: var(--ink); }
.nav-link .caret {
  width: 10px;
  height: 10px;
  display: inline-block;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: rotate(45deg) translate(-2px,-2px);
  margin-left: .15rem;
  opacity: .7;
}

.nav-spacer { flex: 1; }

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: .85rem;
}
.nav-cta .merchant-link {
  font-size: .875rem;
  font-weight: 500;
  color: var(--graphite);
}
.nav-cta .merchant-link:hover { color: var(--ink); }
.nav-cta .btn { padding: .7rem 1.15rem; font-size: .9375rem; }

/* Mega-menu */
.has-mega { position: relative; }
.mega {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  min-width: 720px;
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 12px;
  box-shadow: 0 24px 56px -12px rgba(15,23,42,.18), 0 4px 12px -4px rgba(15,23,42,.08);
  padding: 1.75rem 2rem;
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 2.5rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity .18s var(--ease), transform .18s var(--ease), visibility .18s;
}
.has-mega:hover .mega,
.has-mega:focus-within .mega,
.has-mega.open .mega {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.mega-col h5 {
  font-size: var(--eyebrow);
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--graphite);
  font-weight: 600;
  margin: 0 0 1rem;
}
.mega-col ul { list-style: none; padding: 0; margin: 0; }
.mega-col li { margin: 0; }
.mega-col a {
  display: block;
  padding: .55rem .25rem;
  font-size: .9375rem;
  font-weight: 500;
  color: var(--ink-2);
  border-radius: 4px;
  transition: color .15s, background .15s;
}
.mega-col a:hover { color: var(--blue); background: var(--blue-wash); padding-left: .5rem; }
.mega-col.industries ul {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 1rem;
}

/* Mobile nav */
.nav-toggle {
  display: none;
  background: none;
  border: 0;
  padding: .5rem;
  margin-left: auto;
  color: var(--ink);
}
.nav-toggle svg { width: 24px; height: 24px; }

@media (max-width: 1024px) {
  .nav-list { display: none; }
  .nav-spacer { display: none; }
  .nav-cta .merchant-link { display: none; }
  .nav-toggle { display: inline-flex; }
}
@media (max-width: 640px) {
  .nav-cta .btn { display: none; }
}

/* Mobile drawer */
.nav-drawer {
  position: fixed;
  inset: 0;
  background: var(--paper);
  z-index: 100;
  padding: 1.25rem var(--gutter) 2rem;
  transform: translateX(100%);
  transition: transform .25s var(--ease);
  overflow-y: auto;
  visibility: hidden;
}
.nav-drawer.open { transform: translateX(0); visibility: visible; }
.nav-drawer-head { display: flex; align-items: center; height: 72px; }
.nav-drawer-close {
  margin-left: auto;
  background: none; border: 0; padding: .5rem;
  color: var(--ink);
}
.nav-drawer ul { list-style: none; padding: 0; margin: 1.5rem 0 0; }
.nav-drawer li { margin: 0; border-bottom: 1px solid var(--rule-soft); }
.nav-drawer a, .nav-drawer summary {
  display: block;
  padding: 1.05rem 0;
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--ink);
  cursor: pointer;
}
.nav-drawer details > summary { list-style: none; position: relative; padding-right: 2rem; }
.nav-drawer details > summary::-webkit-details-marker { display: none; }
.nav-drawer details > summary::after {
  content: '+';
  position: absolute;
  right: 0; top: 50%;
  transform: translateY(-50%);
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--graphite);
}
.nav-drawer details[open] > summary::after { content: '−'; }
.nav-drawer details ul { margin: 0 0 1rem; }
.nav-drawer details li { border: 0; }
.nav-drawer details a { padding: .5rem 0; font-size: 1rem; font-weight: 500; color: var(--ink-2); }

.nav-drawer .drawer-cta {
  margin-top: 2rem;
  display: flex;
  flex-direction: column;
  gap: .75rem;
}

/* --------------------------------------------------------------------------
   Hero (home — chapter 01) — light treatment
   -------------------------------------------------------------------------- */
.hero {
  background: var(--paper);
  color: var(--ink);
  position: relative;
  overflow: hidden;
  padding: clamp(1.75rem, 4vw, 3.5rem) 0 clamp(2.5rem, 6vw, 5rem);
  border-bottom: 1px solid var(--rule-soft);
}
.hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(70% 55% at 95% 5%, rgba(0,98,255,.08), transparent 65%),
    radial-gradient(45% 35% at 0% 95%, rgba(0,98,255,.05), transparent 70%);
  pointer-events: none;
  z-index: 0;
}
.hero .container { position: relative; z-index: 1; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.25fr 1fr;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}
.hero-left { align-self: center; }
.hero h1 {
  color: var(--ink);
  font-size: clamp(2.5rem, 6.5vw, 5rem);
  font-weight: 800;
  letter-spacing: -.04em;
  line-height: 1;
  max-width: 15ch;
  margin: 1rem 0 1.25rem;
}
.hero h1 em { font-style: normal; color: var(--blue); }
.hero p.lead {
  color: var(--graphite);
  font-size: clamp(1.0625rem, 1.55vw, 1.1875rem);
  max-width: 52ch;
  margin: 0 0 2rem;
}
.hero .eyebrow { color: var(--graphite); }

.chapter-anchor {
  position: absolute;
  right: var(--gutter);
  bottom: -.25em;
  font-size: var(--chapter);
  font-weight: 200;
  line-height: .8;
  letter-spacing: -.06em;
  color: var(--cloud);
  pointer-events: none;
  user-select: none;
  z-index: 0;
}
.section .chapter-anchor { color: rgba(0,0,0,.06); }
.section.dark .chapter-anchor { color: rgba(255,255,255,.06); }
@media (max-width: 768px) {
  .chapter-anchor {
    position: static;
    display: block;
    font-size: clamp(4rem, 22vw, 7rem);
    margin-bottom: -.1em;
    color: rgba(0,0,0,.08);
  }
  .section.dark .chapter-anchor, .hero .chapter-anchor { color: rgba(255,255,255,.10); }
}

/* Slider widget — light theme */
.slider-card {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 14px;
  padding: 1.5rem;
  box-shadow: 0 22px 50px -18px rgba(15,23,42,.14), 0 6px 14px -6px rgba(15,23,42,.06);
}
.slider-card .slider-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: .8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--graphite);
  margin-bottom: .35rem;
}
.slider-amount {
  font-size: clamp(2rem, 3.6vw, 2.5rem);
  font-weight: 700;
  letter-spacing: -.025em;
  color: var(--ink);
  display: block;
  margin-bottom: 1rem;
  font-feature-settings: 'tnum';
  line-height: 1;
}

.range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 4px;
  background: linear-gradient(to right, var(--blue) 0%, var(--blue) var(--fill, 50%), var(--smoke) var(--fill, 50%), var(--smoke) 100%);
  border-radius: 999px;
  outline: none;
  margin: 0 0 .65rem;
}
.range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--blue);
  border: 0;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(0,98,255,.35), 0 0 0 4px rgba(0,98,255,.10);
  transition: transform .15s var(--ease);
}
.range::-webkit-slider-thumb:hover { transform: scale(1.1); }
.range::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--blue);
  border: 0;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(0,98,255,.35);
}
.range-tags {
  display: flex; justify-content: space-between;
  font-size: .75rem; color: var(--space);
  font-feature-settings: 'tnum';
  margin-bottom: 1.1rem;
}

.slider-card .field {
  margin-bottom: 1rem;
}
.slider-card label {
  display: block;
  font-size: .8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--graphite);
  margin-bottom: .35rem;
}
.slider-card input[type="text"] {
  width: 100%;
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 8px;
  padding: 0.85rem 1rem;
  color: var(--ink);
  font: inherit;
  font-size: 1rem;
  transition: border-color .15s, box-shadow .15s;
}
.slider-card input[type="text"]:focus {
  outline: 0;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px var(--blue-wash);
}
.slider-card input::placeholder { color: var(--space); }
.slider-card .btn { width: 100%; }

.hero-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem 2.25rem;
  margin-top: 1.75rem;
  padding-top: 1.75rem;
  border-top: 1px solid var(--rule);
}
.hero-meta .meta {
  font-size: .9375rem;
  color: var(--graphite);
}
.hero-meta .meta strong { display: block; color: var(--ink); font-size: 1.5rem; font-weight: 700; letter-spacing: -.025em; }

@media (max-width: 920px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
  .hero { padding-bottom: clamp(3rem, 8vw, 5rem); }
}

/* --------------------------------------------------------------------------
   Section header (eyebrow + chapter numeral)
   -------------------------------------------------------------------------- */
.section-head {
  position: relative;
  margin-bottom: clamp(2.5rem, 5vw, 4rem);
}
.section-head .eyebrow { margin-bottom: 1rem; }
.section-head h2 { max-width: 22ch; }
.section-head p.lead { max-width: 60ch; margin-top: 1rem; color: var(--body); }
.section.dark .section-head p.lead { color: rgba(255,255,255,.66); }

/* --------------------------------------------------------------------------
   Cards (product, industry)
   -------------------------------------------------------------------------- */
.cards {
  display: grid;
  gap: 1rem;
}
.cards.cards-3 { grid-template-columns: repeat(3, 1fr); }
.cards.cards-4 { grid-template-columns: repeat(4, 1fr); }
.cards.cards-5 { grid-template-columns: repeat(5, 1fr); }
.cards.cards-6 { grid-template-columns: repeat(6, 1fr); }
@media (max-width: 1024px) {
  .cards.cards-5, .cards.cards-6 { grid-template-columns: repeat(3, 1fr); }
  .cards.cards-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 720px) {
  .cards.cards-3, .cards.cards-4, .cards.cards-5, .cards.cards-6 { grid-template-columns: 1fr; }
}

.card {
  display: flex;
  flex-direction: column;
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 12px;
  padding: 1.75rem 1.75rem 1.5rem;
  text-decoration: none;
  color: inherit;
  transition: border-color .15s var(--ease), transform .15s var(--ease), box-shadow .15s var(--ease);
}
.card:hover {
  border-color: var(--ink);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px -10px rgba(15,23,42,.10);
}
.card .card-num {
  font-size: .8125rem;
  font-weight: 600;
  letter-spacing: .12em;
  color: var(--graphite);
  margin-bottom: 1rem;
}
.card h3 {
  font-size: 1.375rem;
  font-weight: 700;
  margin: 0 0 .5rem;
  letter-spacing: -.015em;
}
.card p {
  font-size: .9375rem;
  color: var(--body);
  margin: 0 0 1.5rem;
  line-height: 1.55;
}
.card .card-arrow {
  margin-top: auto;
  font-size: .875rem;
  font-weight: 600;
  color: var(--blue);
  display: inline-flex;
  align-items: center;
  gap: .35rem;
}
.card:hover .card-arrow .arrow { transform: translateX(4px); }
.card .card-arrow .arrow { transition: transform .15s var(--ease); }

/* Industry card variant — flat, label-only */
.card.card-industry {
  padding: 1.25rem 1.25rem 1rem;
  background: var(--cloud);
  border-color: transparent;
}
.card.card-industry h3 { font-size: 1.0625rem; margin: 0 0 .25rem; }
.card.card-industry p { display: none; }
.card.card-industry:hover { background: var(--paper); border-color: var(--ink); }

/* --------------------------------------------------------------------------
   Process step list (3 numerals)
   -------------------------------------------------------------------------- */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(1.5rem, 3vw, 3rem);
}
@media (max-width: 720px) { .steps { grid-template-columns: 1fr; } }
.step .step-num {
  font-size: clamp(3rem, 5vw, 4.5rem);
  font-weight: 200;
  letter-spacing: -.04em;
  color: var(--blue);
  line-height: 1;
  margin-bottom: 1.25rem;
  font-feature-settings: 'tnum';
}
.section.dark .step .step-num { color: var(--blue); }
.step h3 { font-size: 1.5rem; margin-bottom: .75rem; }
.step p { font-size: 1rem; color: var(--body); }
.section.dark .step p { color: rgba(255,255,255,.7); }

/* --------------------------------------------------------------------------
   Stats band
   -------------------------------------------------------------------------- */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid rgba(255,255,255,.10);
  border-bottom: 1px solid rgba(255,255,255,.10);
}
@media (max-width: 720px) { .stats { grid-template-columns: repeat(2, 1fr); } }
.stat {
  padding: clamp(1.75rem, 3vw, 2.5rem) clamp(1rem, 2vw, 2rem);
  border-right: 1px solid rgba(255,255,255,.10);
}
.stat:last-child { border-right: 0; }
@media (max-width: 720px) {
  .stat:nth-child(2n) { border-right: 0; }
  .stat:nth-child(-n+2) { border-bottom: 1px solid rgba(255,255,255,.10); }
}
.stat-num {
  font-size: clamp(2.25rem, 4vw, 3.25rem);
  font-weight: 800;
  letter-spacing: -.035em;
  line-height: 1;
  color: var(--paper);
  font-feature-settings: 'tnum';
  margin-bottom: .65rem;
  background: linear-gradient(135deg, #FFFFFF 0%, #B0CFFF 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.stat-label {
  font-size: .8125rem;
  font-weight: 500;
  color: rgba(255,255,255,.55);
  letter-spacing: .06em;
  text-transform: uppercase;
}

/* --------------------------------------------------------------------------
   Testimonial
   -------------------------------------------------------------------------- */
.quote {
  max-width: 56rem;
  margin: 0 auto;
  text-align: left;
}
.quote blockquote {
  font-size: clamp(1.5rem, 2.6vw, 2.125rem);
  font-weight: 500;
  line-height: 1.3;
  letter-spacing: -.02em;
  margin: 0 0 1.5rem;
  color: var(--ink);
}
.section.dark .quote blockquote { color: var(--paper); }
.quote cite {
  font-size: .9375rem;
  font-style: normal;
  color: var(--graphite);
}
.section.dark .quote cite { color: rgba(255,255,255,.6); }

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.site-footer {
  background: var(--phantom);
  color: rgba(255,255,255,.7);
  padding: clamp(3.5rem, 6vw, 5.5rem) 0 2rem;
  font-size: .9375rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 2.5rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.10);
}
@media (max-width: 880px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; gap: 1.75rem; } }

.footer-brand .nav-logo { color: var(--paper); font-size: 1.125rem; }
.footer-brand p { color: rgba(255,255,255,.55); margin-top: 1rem; max-width: 30ch; font-size: .875rem; }
.footer-col h5 {
  color: var(--paper);
  font-size: .8125rem;
  text-transform: uppercase;
  letter-spacing: .14em;
  font-weight: 600;
  margin: 0 0 1rem;
}
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: .5rem; }
.footer-col a { color: rgba(255,255,255,.7); transition: color .15s; }
.footer-col a:hover { color: var(--paper); }

.footer-bottom {
  padding-top: 1.75rem;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1rem;
  font-size: .8125rem;
  color: rgba(255,255,255,.4);
}
.footer-bottom a { color: rgba(255,255,255,.55); }
.footer-bottom a:hover { color: var(--paper); }
.footer-bottom .legal { display: flex; gap: 1.5rem; }

/* --------------------------------------------------------------------------
   Single-numeral page heroes (about, process, financing/, industries/, etc.)
   -------------------------------------------------------------------------- */
.page-hero {
  padding: clamp(3rem, 6vw, 6rem) 0 clamp(3rem, 6vw, 5rem);
  position: relative;
  border-bottom: 1px solid var(--rule);
}
.page-hero .eyebrow { margin-bottom: 1rem; }
.page-hero h1 {
  font-size: clamp(2.25rem, 5.5vw, 4.5rem);
  max-width: 22ch;
  margin: 0 0 1.25rem;
}
.page-hero p.lead {
  max-width: 56ch;
  font-size: clamp(1.0625rem, 1.6vw, 1.25rem);
  color: var(--body);
}
.page-hero .num {
  position: absolute;
  right: var(--gutter);
  bottom: 1rem;
  font-size: clamp(5rem, 14vw, 11rem);
  font-weight: 200;
  color: var(--cloud);
  line-height: .8;
  letter-spacing: -.05em;
  pointer-events: none;
  z-index: 0;
}
.page-hero .container { position: relative; z-index: 1; }

@media (max-width: 768px) {
  .page-hero .num { display: none; }
  .page-hero { padding-top: 2.5rem; }
}

/* Eyebrow label for product/industry detail pages (no numeral) */
.detail-eyebrow {
  display: inline-block;
  padding: .35rem .65rem;
  border: 1px solid var(--rule);
  border-radius: 4px;
  font-size: var(--eyebrow);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--graphite);
  margin-bottom: 1.25rem;
}

/* --------------------------------------------------------------------------
   Calculator widget
   -------------------------------------------------------------------------- */
.calc {
  background: var(--cloud);
  border: 1px solid var(--rule);
  border-radius: 14px;
  padding: clamp(1.75rem, 3vw, 2.5rem);
  margin: 2.5rem 0;
}
.calc h3 { font-size: 1.5rem; margin: 0 0 1.5rem; }
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  align-items: end;
}
@media (max-width: 720px) { .calc-grid { grid-template-columns: 1fr; } }
.calc label {
  display: block;
  font-size: .8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--graphite);
  margin-bottom: .5rem;
}
.calc input[type="text"], .calc select {
  width: 100%;
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 8px;
  padding: .85rem 1rem;
  font: inherit;
  font-size: 1rem;
  color: var(--ink);
}
.calc .range {
  background: linear-gradient(to right, var(--blue) 0%, var(--blue) var(--fill, 50%), var(--smoke) var(--fill, 50%), var(--smoke) 100%);
}
.calc .range::-webkit-slider-thumb { background: var(--blue); box-shadow: 0 2px 6px rgba(0,98,255,.4); }
.calc .range::-moz-range-thumb { background: var(--blue); }
.calc .calc-amount {
  font-size: 1.75rem;
  font-weight: 700;
  letter-spacing: -.025em;
  font-feature-settings: 'tnum';
}
.calc-output {
  margin-top: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--rule);
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  gap: 1rem;
}
.calc-output .label-out {
  font-size: .8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--graphite);
}
.calc-output .value-out {
  font-size: clamp(1.75rem, 3vw, 2.25rem);
  font-weight: 700;
  letter-spacing: -.025em;
  color: var(--blue);
  font-feature-settings: 'tnum';
}
.calc-disclaimer {
  margin-top: 1rem;
  font-size: .8125rem;
  color: var(--graphite);
  line-height: 1.5;
}

/* Worked-example block (RBF, factoring) */
.worked {
  background: var(--cloud);
  border: 1px solid var(--rule);
  border-radius: 14px;
  padding: clamp(1.75rem, 3vw, 2.5rem);
  margin: 2.5rem 0;
}
.worked h3 { font-size: 1.5rem; margin: 0 0 1rem; }
.worked-row {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1rem 1.5rem;
  padding: .9rem 0;
  border-bottom: 1px solid var(--rule);
  font-size: .9375rem;
}
.worked-row:last-of-type { border-bottom: 0; }
.worked-row b { font-weight: 600; color: var(--ink); }
.worked-row span { color: var(--body); }

/* --------------------------------------------------------------------------
   Apply form
   -------------------------------------------------------------------------- */
.apply-shell {
  display: grid;
  grid-template-columns: 1fr;
  max-width: var(--container-narrow);
  margin: 0 auto;
}
.form-card {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 14px;
  padding: clamp(1.75rem, 4vw, 3rem);
  margin: 2rem 0;
}
.form-card h2 { font-size: 1.875rem; margin-bottom: .5rem; }
.form-card .lead-sub { color: var(--body); margin-bottom: 2rem; }

.form-group {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
@media (max-width: 540px) { .form-group { grid-template-columns: 1fr; } }
.field {
  margin-bottom: 1rem;
  display: flex;
  flex-direction: column;
}
.field label {
  display: block;
  font-size: .8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--graphite);
  margin-bottom: .5rem;
}
.field label .req { color: var(--blue); }
.field input[type="text"],
.field input[type="email"],
.field input[type="tel"],
.field input[type="password"],
.field select,
.field textarea {
  width: 100%;
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 8px;
  padding: .9rem 1rem;
  font: inherit;
  font-size: 1rem;
  color: var(--ink);
  transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 0;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px var(--blue-wash);
}
.field-help {
  font-size: .8125rem;
  color: var(--graphite);
  margin-top: .35rem;
}

.consent {
  display: flex;
  gap: .85rem;
  align-items: flex-start;
  padding: 1rem 1.25rem;
  background: var(--cloud);
  border-radius: 10px;
  margin-bottom: 1rem;
}
.consent input[type="checkbox"] {
  margin-top: .15rem;
  width: 18px; height: 18px;
  accent-color: var(--blue);
  flex: 0 0 18px;
  cursor: pointer;
}
.consent label {
  font-size: .8125rem;
  color: var(--ink-2);
  line-height: 1.55;
  cursor: pointer;
}

.consent-note {
  font-size: .75rem;
  color: var(--graphite);
  margin: .25rem 0 1.25rem;
  line-height: 1.5;
}

.form-card .btn { width: 100%; padding: 1.1rem; font-size: 1.0625rem; }

.form-success, .form-error { display: none; padding: 1.25rem 1.5rem; border-radius: 10px; margin-top: 1rem; font-size: .9375rem; }
.form-success { background: #ECFDF5; border: 1px solid #A7F3D0; color: #065F46; }
.form-error { background: #FEF2F2; border: 1px solid #FECACA; color: #991B1B; }

/* --------------------------------------------------------------------------
   Slider sub-CTA (inside hero, on non-home pages with mini hero slider)
   -------------------------------------------------------------------------- */
.mini-cta {
  display: inline-flex;
  align-items: center;
  gap: .65rem;
  margin-top: 1.5rem;
  font-weight: 600;
  font-size: .9375rem;
  color: var(--blue);
}
.mini-cta:hover { color: var(--blue-press); }

/* --------------------------------------------------------------------------
   Article / prose
   -------------------------------------------------------------------------- */
.prose {
  max-width: 70ch;
  margin: 0 auto;
}
.prose h2 { font-size: var(--sub1); margin: 2.5rem 0 1rem; }
.prose h3 { font-size: var(--sub2); margin: 2rem 0 .75rem; }
.prose p { font-size: 1.0625rem; line-height: 1.7; color: var(--ink-2); margin-bottom: 1.25rem; }
.prose ul, .prose ol { margin: 0 0 1.5rem; padding-left: 1.5em; color: var(--ink-2); }
.prose li { margin-bottom: .5rem; line-height: 1.6; }
.prose a { color: var(--blue); border-bottom: 1px solid var(--blue-wash); }
.prose a:hover { border-color: var(--blue); }

/* --------------------------------------------------------------------------
   Two-column detail layout (product / industry detail)
   -------------------------------------------------------------------------- */
.detail-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: start;
}
@media (max-width: 920px) { .detail-grid { grid-template-columns: 1fr; } }
.detail-aside {
  position: sticky;
  top: 96px;
  background: var(--cloud);
  border: 1px solid var(--rule);
  border-radius: 14px;
  padding: 1.75rem;
}
.detail-aside h4 { font-size: 1.125rem; margin: 0 0 1rem; }
.detail-aside dl { margin: 0; }
.detail-aside dt {
  font-size: .8125rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: .12em;
  color: var(--graphite);
  margin-top: 1rem;
}
.detail-aside dd { margin: .15rem 0 0; font-size: .9375rem; color: var(--ink-2); }
.detail-aside dd:first-of-type { margin-top: 0; }
.detail-aside .btn { width: 100%; margin-top: 1.5rem; }

/* Cross-link blocks */
.related {
  margin-top: 4rem;
  padding-top: 3rem;
  border-top: 1px solid var(--rule);
}
.related h2 { font-size: 1.5rem; margin: 0 0 1.5rem; }
.related .cards { gap: .75rem; }

/* --------------------------------------------------------------------------
   FAQ (Process page + JSON-LD'd)
   -------------------------------------------------------------------------- */
.faq details {
  border-bottom: 1px solid var(--rule);
  padding: 1.25rem 0;
}
.faq details:first-child { border-top: 1px solid var(--rule); }
.faq summary {
  list-style: none;
  cursor: pointer;
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--ink);
  display: flex;
  justify-content: space-between;
  gap: 1.5rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: '+';
  flex: 0 0 auto;
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--graphite);
  line-height: 1;
}
.faq details[open] summary::after { content: '−'; }
.faq details > div {
  padding-top: 1rem;
  font-size: 1rem;
  line-height: 1.65;
  color: var(--body);
  max-width: 64ch;
}

/* --------------------------------------------------------------------------
   Contact card
   -------------------------------------------------------------------------- */
.contact-card {
  max-width: 36rem;
  margin: 0 auto;
  background: var(--cloud);
  border-radius: 14px;
  padding: clamp(1.75rem, 3vw, 2.5rem);
}
.contact-card h2 { font-size: 1.5rem; margin-bottom: 1.25rem; }
.contact-row {
  display: grid;
  grid-template-columns: 110px 1fr;
  gap: 1.25rem;
  padding: .95rem 0;
  border-bottom: 1px solid var(--rule);
  font-size: .9375rem;
}
.contact-row:last-child { border-bottom: 0; }
.contact-row dt {
  font-size: .8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--graphite);
}
.contact-row dd { margin: 0; color: var(--ink); }
.contact-row a { color: var(--blue); }
.contact-row a:hover { text-decoration: underline; }

/* --------------------------------------------------------------------------
   Stub page (merchant-login, 404, thank-you)
   -------------------------------------------------------------------------- */
.stub {
  padding: clamp(5rem, 12vw, 9rem) 0;
  text-align: center;
  max-width: 36rem;
  margin: 0 auto;
}
.stub h1 { font-size: clamp(2rem, 4.5vw, 3.5rem); }
.stub p { font-size: 1.125rem; color: var(--body); margin: 1rem 0 2rem; }

/* --------------------------------------------------------------------------
   Reduced motion
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  * { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
  html { scroll-behavior: auto; }
}

/* --------------------------------------------------------------------------
   Utility
   -------------------------------------------------------------------------- */
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.text-center { text-align: center; }
.text-blue { color: var(--blue); }
.mt-0 { margin-top: 0 !important; }
.mb-0 { margin-bottom: 0 !important; }
.divider { height: 1px; background: var(--rule); margin: 3rem 0; border: 0; }

/* ==========================================================================
   Corporate density additions
   ========================================================================== */

/* Trust strip (under hero) */
.trust-strip {
  background: var(--paper);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.trust-strip .container {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  padding-top: 1.75rem;
  padding-bottom: 1.75rem;
}
@media (max-width: 880px) { .trust-strip .container { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .trust-strip .container { grid-template-columns: 1fr; } }

.trust-item {
  display: flex;
  align-items: center;
  gap: .9rem;
  padding: .25rem 1.5rem;
  border-right: 1px solid var(--rule-soft);
}
.trust-item:last-child { border-right: 0; }
@media (max-width: 880px) {
  .trust-item:nth-child(2n) { border-right: 0; }
  .trust-item:nth-child(-n+2) { padding-bottom: 1.25rem; border-bottom: 1px solid var(--rule-soft); margin-bottom: .25rem; }
}
@media (max-width: 480px) {
  .trust-item { border-right: 0 !important; padding: .75rem 1rem; border-bottom: 1px solid var(--rule-soft) !important; margin-bottom: 0 !important; }
  .trust-item:last-child { border-bottom: 0 !important; }
}
.trust-item .ti-icon {
  width: 28px; height: 28px;
  color: var(--blue);
  flex-shrink: 0;
  background: var(--blue-wash);
  padding: 6px;
  border-radius: 8px;
  box-sizing: content-box;
}
.trust-item .ti-text strong {
  display: block;
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -.02em;
  line-height: 1.1;
  font-feature-settings: 'tnum';
}
.trust-item .ti-text span {
  display: block;
  font-size: .8125rem;
  color: var(--graphite);
  margin-top: .2rem;
  letter-spacing: .01em;
}

/* Card icon (added to product cards) */
.card-icon {
  width: 36px; height: 36px;
  color: var(--blue);
  margin-bottom: 1.25rem;
  display: block;
  stroke-width: 1.6;
}

/* Why-SCS grid (4-up icon boxes) */
.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
@media (max-width: 1024px) { .why-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 540px) { .why-grid { grid-template-columns: 1fr; } }
.why-item {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-radius: 14px;
  padding: 1.75rem 1.5rem 1.5rem;
  transition: transform .18s var(--ease), border-color .18s var(--ease), box-shadow .18s var(--ease);
}
.why-item:hover {
  transform: translateY(-3px);
  border-color: var(--blue);
  box-shadow: 0 16px 40px -16px rgba(0,98,255,.18);
}
.why-item .why-icon-wrap {
  width: 56px; height: 56px;
  border-radius: 12px;
  background: var(--blue-wash);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
}
.why-item .why-icon {
  width: 26px; height: 26px;
  color: var(--blue);
  stroke-width: 1.8;
}
.why-item h3 {
  font-size: 1.125rem;
  margin: 0 0 .5rem;
  letter-spacing: -.015em;
}
.why-item p {
  font-size: .9375rem;
  color: var(--body);
  line-height: 1.55;
  margin: 0;
}

/* Comparison table */
.compare-wrap {
  border: 1px solid var(--rule);
  border-radius: 16px;
  overflow: hidden;
  background: var(--paper);
  box-shadow: 0 24px 48px -24px rgba(15,23,42,.16), 0 4px 12px -6px rgba(15,23,42,.06);
  position: relative;
}
.compare-table {
  width: 100%;
  border-collapse: collapse;
  font-size: .9375rem;
}
.compare-table thead th {
  text-align: left;
  padding: 1.5rem 1.5rem 1.25rem;
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .14em;
  color: var(--graphite);
  background: var(--cloud);
  border-bottom: 1px solid var(--rule);
  vertical-align: middle;
}
.compare-table thead th.col-scs {
  color: var(--paper);
  background: var(--blue);
  font-weight: 800;
  letter-spacing: .12em;
  box-shadow: inset 0 -3px 0 var(--blue-press);
}
.compare-table tbody td,
.compare-table tbody th {
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid var(--rule-soft);
  vertical-align: top;
  text-align: left;
  font-weight: 500;
  line-height: 1.5;
}
.compare-table tbody th {
  font-size: .8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--graphite);
  width: 22%;
  background: var(--cloud);
}
.compare-table tbody td { color: var(--ink-2); }
.compare-table tbody td.col-scs {
  background: var(--blue-wash);
  color: var(--ink);
  font-weight: 600;
  position: relative;
  border-left: 1px solid var(--blue);
  border-right: 1px solid var(--blue);
}
.compare-table tbody td.col-scs::before {
  content: '✓';
  display: inline-block;
  width: 18px;
  height: 18px;
  line-height: 18px;
  text-align: center;
  background: var(--blue);
  color: var(--paper);
  border-radius: 50%;
  font-size: .6875rem;
  font-weight: 700;
  margin-right: .5rem;
  vertical-align: 1px;
}
.compare-table tbody tr:last-child td,
.compare-table tbody tr:last-child th { border-bottom: 0; }
.compare-table thead th.col-scs:first-of-type {
  border-radius: 0;
}
@media (max-width: 768px) {
  .compare-table thead { display: none; }
  .compare-table, .compare-table tbody, .compare-table tr, .compare-table th, .compare-table td { display: block; width: 100%; }
  .compare-table tbody tr {
    padding: 1.1rem 1.25rem;
    border-bottom: 1px solid var(--rule);
  }
  .compare-table tbody tr:last-child { border-bottom: 0; }
  .compare-table tbody th { padding: 0 0 .5rem 0; border: 0; width: 100%; }
  .compare-table tbody td {
    padding: .35rem 0;
    border: 0;
    font-size: .9375rem;
  }
  .compare-table tbody td::before {
    content: attr(data-col) " · ";
    font-weight: 600;
    color: var(--graphite);
    font-size: .75rem;
    text-transform: uppercase;
    letter-spacing: .08em;
    margin-right: .35rem;
  }
  .compare-table tbody td.col-scs {
    background: transparent;
    color: var(--blue);
    border: 0;
  }
  .compare-table tbody td.col-scs::before {
    content: '✓ ' attr(data-col) ' · ';
    display: inline;
    background: transparent;
    width: auto; height: auto;
    line-height: inherit;
    border-radius: 0;
    margin-right: 0;
    vertical-align: baseline;
    font-size: .75rem;
    text-transform: uppercase;
    letter-spacing: .08em;
    color: var(--blue);
    font-weight: 700;
  }
}

/* Multi-testimonial grid */
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin-top: 3rem;
}
@media (max-width: 1024px) { .testimonial-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .testimonial-grid { grid-template-columns: 1fr; } }
.testimonial-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 14px;
  padding: 1.75rem 1.5rem 1.5rem;
  display: flex;
  flex-direction: column;
  position: relative;
  transition: transform .2s var(--ease), border-color .2s var(--ease);
}
.testimonial-card:hover {
  transform: translateY(-3px);
  border-color: rgba(0,98,255,.5);
}
.testimonial-card::before {
  content: '"';
  position: absolute;
  top: -.25rem;
  right: 1.25rem;
  font-size: 4.5rem;
  font-weight: 800;
  color: var(--blue);
  line-height: 1;
  opacity: .35;
  font-family: Georgia, serif;
}
.testimonial-card .stars {
  display: flex;
  gap: .15rem;
  margin-bottom: 1rem;
  color: var(--blue);
}
.testimonial-card .stars svg { width: 14px; height: 14px; }
.testimonial-card blockquote {
  font-size: .9375rem;
  line-height: 1.6;
  color: var(--paper);
  font-weight: 500;
  margin: 0 0 1.25rem;
  flex: 1;
  position: relative;
  z-index: 1;
}
.testimonial-card cite {
  font-style: normal;
  font-size: .75rem;
  color: rgba(255,255,255,.55);
  letter-spacing: .08em;
  text-transform: uppercase;
  font-weight: 600;
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,.10);
}
.section:not(.dark) .testimonial-card {
  background: var(--paper);
  border-color: var(--rule);
  box-shadow: 0 6px 16px -6px rgba(15,23,42,.08);
}
.section:not(.dark) .testimonial-card blockquote { color: var(--ink); }
.section:not(.dark) .testimonial-card cite { color: var(--graphite); border-top-color: var(--rule); }

/* Process step connectors */
.steps { position: relative; }
.steps::before {
  content: '';
  position: absolute;
  top: 1.5rem;
  left: 16.66%;
  right: 16.66%;
  height: 0;
  border-top: 2px dashed var(--rule);
  z-index: 0;
  pointer-events: none;
}
@media (max-width: 720px) { .steps::before { display: none; } }
.step { position: relative; z-index: 1; }
.step .step-num {
  background: var(--paper);
  display: inline-block;
  padding-right: 1rem;
  position: relative;
  z-index: 1;
}
.step .step-icon {
  width: 28px; height: 28px;
  color: var(--blue);
  margin-bottom: .75rem;
  stroke-width: 1.5;
  display: block;
}

/* FAQ on home */
.faq-home {
  max-width: 56rem;
  margin: 0 auto;
}

/* Final CTA panel */
.cta-panel {
  background: var(--phantom);
  color: var(--paper);
  text-align: center;
  padding: clamp(3.5rem, 7vw, 6rem) var(--gutter);
  position: relative;
  overflow: hidden;
}
.cta-panel::after {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(60% 50% at 50% 100%, rgba(0,98,255,.20), transparent 70%),
    radial-gradient(40% 35% at 0% 0%, rgba(0,98,255,.10), transparent 70%);
  pointer-events: none;
}
.cta-panel .container { position: relative; z-index: 1; }
.cta-panel h2 {
  font-size: clamp(2rem, 4.5vw, 3.25rem);
  color: var(--paper);
  letter-spacing: -.03em;
  margin: 0 0 1rem;
}
.cta-panel p.lead {
  font-size: 1.125rem;
  color: rgba(255,255,255,.7);
  margin: 0 auto 2rem;
  max-width: 50ch;
}
.cta-panel .cta-actions {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
}
.cta-panel .btn-blue:hover { background: var(--paper); color: var(--blue); }
.cta-panel .phone-mention {
  font-size: .9375rem;
  color: rgba(255,255,255,.55);
  margin-top: 1.75rem;
  margin-bottom: 0;
}
.cta-panel .phone-mention a { color: var(--paper); font-weight: 600; }

/* Stat counter animation hook */
.stat-num[data-target] { font-variant-numeric: tabular-nums; }

/* Nav phone CTA */
.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  font-size: .875rem;
  font-weight: 600;
  color: var(--ink-2);
  padding: .55rem .85rem;
  border-radius: 6px;
  border: 1px solid var(--rule);
  transition: border-color .15s, color .15s, background .15s;
  font-variant-numeric: tabular-nums;
}
.nav-phone:hover { border-color: var(--blue); color: var(--blue); background: var(--blue-wash); }
.nav-phone svg { width: 14px; height: 14px; flex-shrink: 0; }
@media (max-width: 1180px) { .nav-phone { display: none; } }

/* Hero sub-trust line */
.hero-trust {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-size: .875rem;
  color: var(--graphite);
  margin: -.75rem 0 1.5rem;
  font-weight: 500;
}
.hero-trust .dot { color: var(--blue); }

/* --------------------------------------------------------------------------
   Business HELOC page components
   -------------------------------------------------------------------------- */

/* 3-up stat band (default .stats is 4-up) */
.stats.stats-3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 720px) {
  .stats.stats-3 { grid-template-columns: 1fr; }
  .stats.stats-3 .stat { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.10); }
  .stats.stats-3 .stat:last-child { border-bottom: 0; }
}

/* 5-up step row (default .steps is 3-up) */
.steps.steps-5 { grid-template-columns: repeat(5, 1fr); }
.steps.steps-5::before { left: 10%; right: 10%; }
.steps.steps-5 .step h3 { font-size: 1.125rem; }
.steps.steps-5 .step .step-num { font-size: clamp(2.25rem, 3.4vw, 3rem); }
.steps.steps-5 .step p { font-size: .9375rem; }
@media (max-width: 1024px) {
  .steps.steps-5 { grid-template-columns: repeat(2, 1fr); }
  .steps.steps-5::before { display: none; }
}
@media (max-width: 720px) { .steps.steps-5 { grid-template-columns: 1fr; } }

/* Non-interactive card (no link target — suppress the hover affordance) */
.card.card-static { background: var(--paper); }
.card.card-static:hover { border-color: var(--rule); transform: none; box-shadow: none; }
.section.cloud .card.card-static { background: var(--paper); }

/* Small inline callout */
.note {
  border-left: 3px solid var(--blue);
  background: var(--blue-wash);
  border-radius: 0 8px 8px 0;
  padding: 1.125rem 1.25rem;
  margin: 1.75rem 0;
  font-size: 1rem;
  line-height: 1.6;
  color: var(--ink-2);
}
.note strong { color: var(--ink); }
.note.note-wide { max-width: 70ch; }

/* APR comparison chart — 100% track width = 20% APR */
.apr-chart { margin: 1.5rem 0 .75rem; }
.apr-row {
  display: grid;
  grid-template-columns: 10.5rem 1fr;
  align-items: center;
  gap: 1rem;
  margin-bottom: .875rem;
}
.apr-row .apr-name {
  font-size: .9375rem;
  font-weight: 600;
  color: var(--ink-2);
}
.apr-row.is-hero .apr-name { color: var(--blue); }
.apr-track {
  position: relative;
  background: var(--cloud);
  border-radius: 6px;
  height: 2.25rem;
}
.apr-bar {
  height: 100%;
  border-radius: 6px;
  background: var(--steel);
  display: flex;
  align-items: center;
  justify-content: flex-end;
  padding-right: .75rem;
  font-size: .8125rem;
  font-weight: 700;
  color: var(--phantom);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}
.apr-row.is-hero .apr-bar { background: var(--blue); color: var(--paper); }
.apr-axis {
  display: grid;
  grid-template-columns: 10.5rem 1fr;
  gap: 1rem;
  margin-top: .25rem;
}
.apr-axis-ticks {
  display: flex;
  justify-content: space-between;
  font-size: .75rem;
  color: var(--space);
  font-variant-numeric: tabular-nums;
  border-top: 1px solid var(--rule);
  padding-top: .375rem;
}
.apr-caption {
  font-size: .8125rem;
  color: var(--graphite);
  line-height: 1.5;
  margin-top: .75rem;
}
@media (max-width: 620px) {
  .apr-row, .apr-axis { grid-template-columns: 1fr; gap: .35rem; }
  .apr-row { margin-bottom: 1.125rem; }
}

/* Use-case chips */
.chips {
  display: flex;
  flex-wrap: wrap;
  gap: .5rem;
  list-style: none;
  margin: 0 0 1.5rem;
  padding: 0;
}
.chips li {
  font-size: .875rem;
  font-weight: 600;
  color: var(--ink-2);
  background: var(--cloud);
  border: 1px solid var(--rule);
  border-radius: 999px;
  padding: .4375rem .875rem;
  margin: 0;
}

/* State availability grid */
.states-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: .5rem .75rem;
  list-style: none;
  margin: 0 0 1rem;
  padding: 0;
}
.states-grid li {
  font-size: .875rem;
  color: var(--ink-2);
  padding: .375rem 0;
  border-bottom: 1px solid var(--rule-soft);
  margin: 0;
}
@media (max-width: 1024px) { .states-grid { grid-template-columns: repeat(4, 1fr); } }
@media (max-width: 720px)  { .states-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 480px)  { .states-grid { grid-template-columns: repeat(2, 1fr); } }

/* Range bar (line size) */
.range-bar { margin: 1.5rem 0; }
.range-bar-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 1rem;
  margin-bottom: .625rem;
}
.range-bar-head .range-bar-label {
  font-size: .8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .12em;
  color: var(--graphite);
}
.range-bar-head .range-bar-value {
  font-size: 1.25rem;
  font-weight: 800;
  letter-spacing: -.02em;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.range-bar-track {
  height: .5rem;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--blue) 0%, var(--blue) 100%);
}
.range-bar-ends {
  display: flex;
  justify-content: space-between;
  font-size: .8125rem;
  color: var(--graphite);
  margin-top: .5rem;
  font-variant-numeric: tabular-nums;
}

/* --------------------------------------------------------------------------
   Merchant login — split-screen
   -------------------------------------------------------------------------- */
.login-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  min-height: calc(100vh - 73px - 1px);
  align-items: stretch;
}
.login-pane {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: clamp(2.5rem, 6vw, 5rem) clamp(1.5rem, 5vw, 4.5rem);
}
.login-form-wrap {
  width: 100%;
  max-width: 25rem;
  margin: 0 auto;
}
.login-form-wrap .eyebrow { display: block; margin-bottom: .75rem; }
.login-form-wrap h1 {
  font-size: clamp(1.875rem, 3vw, 2.375rem);
  letter-spacing: -.03em;
  margin: 0 0 .5rem;
}
.login-form-wrap .login-sub {
  color: var(--body);
  font-size: 1rem;
  margin: 0 0 2rem;
}
.login-form-wrap .field { margin-bottom: 1.25rem; }
.login-form-wrap .btn { width: 100%; padding: 1.05rem; font-size: 1.0625rem; }
.login-form-wrap .form-error { margin-top: 0; margin-bottom: 1.25rem; }

/* Label row with the forgot-password link inline */
.label-row {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
}
.label-row a {
  font-size: .75rem;
  font-weight: 600;
  color: var(--blue);
  letter-spacing: 0;
  text-transform: none;
}
.label-row a:hover { text-decoration: underline; }

.login-meta {
  margin-top: 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--rule-soft);
  font-size: .875rem;
  color: var(--graphite);
  text-align: center;
}
.login-meta a { color: var(--blue); font-weight: 600; }
.login-meta a:hover { text-decoration: underline; }
.login-meta + .login-meta { margin-top: .75rem; padding-top: 0; border-top: 0; }

/* Brand panel */
.login-brand {
  background: var(--phantom);
  color: var(--paper);
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: clamp(2.5rem, 6vw, 5rem);
  position: relative;
  overflow: hidden;
}
.login-brand::after {
  content: '';
  position: absolute;
  inset: auto -20% -35% auto;
  width: 70%;
  aspect-ratio: 1;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(0,98,255,.32) 0%, rgba(0,98,255,0) 70%);
  pointer-events: none;
}
.login-brand-inner { position: relative; z-index: 1; max-width: 26rem; }
.login-brand svg { width: 48px; height: auto; margin-bottom: 2rem; display: block; }
.login-brand h2 {
  font-size: clamp(1.75rem, 2.8vw, 2.5rem);
  line-height: 1.2;
  letter-spacing: -.03em;
  color: var(--paper);
  margin: 0 0 1rem;
}
.login-brand p {
  color: rgba(255,255,255,.66);
  font-size: 1.0625rem;
  line-height: 1.6;
  margin: 0 0 2rem;
}
.login-brand ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: .875rem;
}
.login-brand li {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  font-size: .9375rem;
  color: rgba(255,255,255,.82);
}
.login-brand li svg {
  width: 18px; height: 18px;
  margin: .15rem 0 0;
  color: var(--blue);
  flex: 0 0 18px;
}

@media (max-width: 860px) {
  .login-split { grid-template-columns: 1fr; min-height: 0; }
  .login-brand { display: none; }
  .login-pane { padding-top: clamp(2.5rem, 8vw, 4rem); padding-bottom: clamp(3rem, 8vw, 5rem); }
}

/* --------------------------------------------------------------------------
   Focus-visible rings (the stylesheet otherwise strips outlines everywhere)
   -------------------------------------------------------------------------- */
a:focus-visible,
button:focus-visible,
summary:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 2px solid var(--blue);
  outline-offset: 2px;
  border-radius: 4px;
}
.field input:focus-visible,
.field select:focus-visible,
.field textarea:focus-visible {
  outline: 0;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px var(--blue-wash);
}
.section.dark a:focus-visible,
.login-brand a:focus-visible,
.site-footer a:focus-visible { outline-color: var(--paper); }

/* --------------------------------------------------------------------------
   Embedded third-party form (/lead)
   -------------------------------------------------------------------------- */
/* Embed page (/lead): the third-party form carries its own branding and
   headings, so the page is the bare frame — no hero, no wrapper chrome. */
/* Constrain the SECTION, not the iframe: the JotForm embed carries inline
   min-width/max-width:100%, which would beat any max-width set here. */
.section-embed {
  padding: 0;
  max-width: 900px;
  margin: 0 auto;
}
.section-embed iframe { display: block; width: 100%; border: 0; }

/* Contact page: the aside is a plain card, not the sticky product rail. */
.contact-card { width: 100%; }
.detail-grid > .contact-card { position: sticky; top: 96px; }
.detail-grid > .contact-card .btn { width: 100%; margin-top: 1.5rem; }
@media (max-width: 920px) { .detail-grid > .contact-card { position: static; } }