:root{
  --ink:#1C2330; --ink-2:#222B3C; --ink-3:#2C3548;
  --navy:#1A2B4A; --navy-d:#13203A; --navy-l:#2A4068;
  --paper:#FFFFFF; --paper-2:#F5F6F8;
  --signal:#1A2B4A; --signal-d:#13203A; --signal-soft:#E5EAF2;
  --highlight:#0E7C6B; --highlight-soft:#E3F0EC;
  --amber:#0E7C6B; --amber-d:#0A5D50;
  --edge:#E2E5EA; --edge-dark:#33405A;
  --slate:#5B6473; --slate-l:#98A0AE;
  --silver:#8A94A6;
  --ok:#0E7C6B;
  --tint:#EEF1F6; --tint-edge:#D9DEE8;
  --mono:'JetBrains Mono',ui-monospace,SFMono-Regular,Menlo,monospace;
  --sans:'Inter',system-ui,-apple-system,sans-serif;
  --wrap:1140px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--sans);background:var(--paper);color:var(--ink);line-height:1.55;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
::selection{background:var(--signal);color:#fff}
:focus-visible{outline:2px solid var(--signal);outline-offset:3px;border-radius:4px}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 28px}
.ey{font-family:var(--mono);font-size:12px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--silver)}
.ey.on-ink{color:var(--signal)}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--sans);font-weight:600;font-size:15px;line-height:1;padding:14px 22px;border-radius:10px;border:1.5px solid transparent;cursor:pointer;transition:transform .15s ease,background .15s ease,border-color .15s ease,box-shadow .15s ease;white-space:nowrap}
.btn svg{width:17px;height:17px;flex-shrink:0}
.btn-signal{background:var(--signal);color:#fff}
.btn-signal:hover{background:var(--signal-d);transform:translateY(-1px)}
.btn-wa{background:#25D366;color:#06351b}
.btn-wa:hover{background:#1ec25b;transform:translateY(-1px)}
.btn-ghost{background:transparent;border-color:var(--edge);color:var(--ink)}
.btn-ghost:hover{border-color:var(--ink);transform:translateY(-1px)}
.btn-ghost.on-ink{border-color:var(--edge-dark);color:var(--paper)}
.btn-ghost.on-ink:hover{border-color:var(--slate-l)}
.hero .btn-signal{background:#fff;color:var(--navy)}
.hero .btn-signal:hover{background:#46C9A8;color:var(--navy-d)}
.btn-ghost-light{background:transparent;border-color:rgba(255,255,255,.3);color:#fff}
.btn-ghost-light:hover{border-color:rgba(255,255,255,.7);transform:translateY(-1px)}
.btn-lg{padding:16px 26px;font-size:16px}
.btn-block{width:100%;justify-content:center}

/* ---------- header ---------- */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.88);backdrop-filter:saturate(160%) blur(14px);border-bottom:1px solid var(--edge)}
.nav{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:18px;letter-spacing:-.02em}
.brand .mk{height:38px;width:auto;display:block}
.foot-brand .mk{height:42px}
.nav-links{display:flex;gap:26px}
.nav-links a{font-size:14.5px;font-weight:500;color:var(--slate);transition:color .15s}
.nav-links a:hover{color:var(--ink)}
.nav-cta{display:flex;gap:10px;align-items:center}
.nav-cta .btn{padding:10px 16px;font-size:14px}
.menu-btn{display:none;background:none;border:1px solid var(--edge);border-radius:8px;width:40px;height:40px;cursor:pointer;align-items:center;justify-content:center}
/* hamburger button (mobile only) */
.nav-burger{display:none;flex-direction:column;justify-content:center;gap:5px;width:42px;height:42px;background:none;border:1px solid var(--edge);border-radius:10px;cursor:pointer;padding:0 11px}
.nav-burger span{display:block;height:2px;width:100%;background:var(--navy);border-radius:2px;transition:transform .25s ease,opacity .2s ease}
.nav-burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
/* mobile menu panel */
.mobile-menu{display:none;flex-direction:column;border-top:1px solid var(--edge);background:rgba(255,255,255,.98);backdrop-filter:blur(14px)}
.mobile-menu a{padding:15px 0;font-size:16px;font-weight:600;color:var(--ink);border-bottom:1px solid var(--edge);margin:0 20px}
.mobile-menu a:last-child{border-bottom:none}
.mobile-menu.open{display:flex}
@media(max-width:920px){
  .nav-links{display:none}
  .nav-cta{display:none}
  .nav-burger{display:flex}
}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:var(--navy);color:#fff;padding:88px 0 92px}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.06) 1px,transparent 1px);background-size:22px 22px;mask-image:radial-gradient(120% 90% at 80% 0%,#000,transparent 75%);-webkit-mask-image:radial-gradient(120% 90% at 80% 0%,#000,transparent 75%);pointer-events:none}
.hero::after{content:"";position:absolute;top:-180px;right:-120px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(46,64,104,.7),transparent 62%);pointer-events:none}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:56px;align-items:center}
.hero .ey{color:var(--silver)}
.hero h1{font-size:clamp(38px,5.6vw,64px);font-weight:800;letter-spacing:-.04em;line-height:1.0;margin:18px 0 0;color:#fff}
.hero h1 .u{color:#46C9A8}
/* contrast line beneath the headline */
.h1-sub{display:block;font-size:clamp(18px,2.1vw,26px);font-weight:600;letter-spacing:-.02em;color:rgba(255,255,255,.62);margin-top:14px;line-height:1.15}
.hero .sub{font-size:clamp(17px,1.7vw,19px);color:rgba(255,255,255,.72);max-width:46ch;margin-top:22px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}
.hero-trust{display:flex;gap:22px;flex-wrap:wrap;margin-top:28px;font-size:13.5px;color:rgba(255,255,255,.7)}
.hero-trust span{display:inline-flex;align-items:center;gap:7px}
.hero-trust svg{width:15px;height:15px;color:#46C9A8}
@media(max-width:880px){.hero-grid{grid-template-columns:1fr;gap:36px}.hero{padding:56px 0 60px}}

/* ---------- verdict card (signature) ---------- */
.verdict{background:#FFFFFF;border-radius:18px;padding:26px;color:var(--ink);box-shadow:0 40px 80px -28px rgba(8,15,30,.6);border:1px solid rgba(255,255,255,.12)}
.verdict-top{display:flex;align-items:center;justify-content:space-between;font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--slate);padding-bottom:16px;border-bottom:1px solid var(--edge)}
.verdict-top .live{display:inline-flex;align-items:center;gap:7px;color:var(--signal)}
.verdict-top .dot{width:7px;height:7px;border-radius:50%;background:var(--highlight);box-shadow:0 0 0 0 rgba(26,43,74,.5);animation:pulse 2s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(26,43,74,.45)}70%{box-shadow:0 0 0 7px rgba(26,43,74,0)}100%{box-shadow:0 0 0 0 rgba(26,43,74,0)}}
.vrow{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:18px 0;border-bottom:1px solid var(--edge)}
.vrow:last-of-type{border-bottom:none}
.vrow .vlabel{font-size:14px;color:var(--slate)}
.vrow .vlabel b{display:block;color:var(--ink);font-weight:600;font-size:15px;margin-bottom:2px}
.vmeter{display:flex;gap:4px;align-items:center}
.vmeter i{width:9px;height:22px;border-radius:2px;background:var(--edge)}
.vrow.now .vmeter i:nth-child(-n+2){background:var(--slate-l)}
.vrow.pos .vmeter i{background:var(--highlight)}
.vtag{font-family:var(--mono);font-size:12px;font-weight:600;letter-spacing:.04em}
.vrow.now .vtag{color:var(--slate)}
.vrow.pos .vtag{color:var(--highlight)}
.verdict-foot{font-size:11.5px;color:var(--slate);line-height:1.5;margin-top:16px;padding-top:14px;border-top:1px solid var(--edge)}

/* ---------- section frame ---------- */
section{padding:72px 0}
.on-ink{background:var(--tint);color:var(--ink)}
.on-ink .slate{color:var(--slate)}
.on-ink .ey{color:var(--signal-d)}
.on-paper-2{background:var(--paper-2)}
.s-head{max-width:62ch}
.s-head h2{font-size:clamp(28px,3.6vw,40px);font-weight:800;letter-spacing:-.03em;line-height:1.08;margin:14px 0 0}
.s-head p{font-size:17px;color:var(--slate);margin-top:14px;max-width:54ch}
.on-ink .s-head p{color:var(--slate)}
@media(max-width:880px){section{padding:52px 0}}

/* ---------- value props ---------- */
.props{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:42px}
.prop{background:#FFFFFF;border:1px solid var(--edge);border-radius:14px;padding:28px;transition:border-color .15s,transform .15s,box-shadow .15s}
.prop:hover{border-color:var(--signal);transform:translateY(-3px);box-shadow:0 18px 40px -24px rgba(26,43,74,.3)}
.prop .picon{width:46px;height:46px;border-radius:11px;background:var(--paper-2);display:grid;place-items:center;color:var(--signal);margin-bottom:18px}
.prop .picon svg{width:24px;height:24px}
.prop .pn{font-family:var(--mono);font-size:12.5px;color:var(--silver);font-weight:600;letter-spacing:.04em}
.prop h3{font-size:19px;font-weight:700;letter-spacing:-.02em;margin:8px 0 8px}
.prop p{font-size:14.5px;color:var(--slate);line-height:1.6}
.prop.prop-lead{background:linear-gradient(160deg,var(--navy),var(--navy-d));border-color:var(--navy)}
.prop.prop-lead .picon{background:rgba(255,255,255,.1);color:#46C9A8}
.prop.prop-lead .pn{color:#8A94A6}
.prop.prop-lead h3{color:#fff}
.prop.prop-lead p{color:rgba(255,255,255,.78)}
.prop.prop-lead:hover{border-color:var(--navy-l);box-shadow:0 24px 50px -26px rgba(26,43,74,.6)}
@media(max-width:880px){.props{grid-template-columns:1fr}}

/* ---------- process (real sequence -> numbered) ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:48px;position:relative}
.steps::before{content:"";position:absolute;top:23px;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--signal) 0%,var(--signal) 75%,var(--tint-edge) 100%);opacity:.25;z-index:0}
.step{position:relative;z-index:1}
.step .sicon{width:48px;height:48px;border-radius:50%;background:var(--signal);color:#fff;display:grid;place-items:center;margin-bottom:18px;box-shadow:0 0 0 6px var(--tint)}
.step .sicon svg{width:22px;height:22px}
.step .sn{font-family:var(--mono);font-size:12px;color:var(--silver);font-weight:700;letter-spacing:.08em}
.step h3{font-size:18px;font-weight:700;margin:6px 0 8px;letter-spacing:-.01em;color:var(--ink)}
.step p{font-size:14px;color:var(--slate);line-height:1.6}
@media(max-width:880px){
  .steps{grid-template-columns:1fr;gap:0;margin-top:36px}
  .steps::before{top:0;bottom:0;left:23px;right:auto;width:2px;height:auto;background:linear-gradient(180deg,var(--signal) 0%,var(--signal) 88%,var(--tint-edge) 100%)}
  .step{display:grid;grid-template-columns:48px 1fr;gap:18px;padding-bottom:28px}
  .step:last-child{padding-bottom:0}
  .step .sicon{margin-bottom:0}
  .step .stext{padding-top:4px}
}

/* ---------- split: who we help ---------- */
.who{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:42px}
.who-card{border:1px solid var(--edge);border-radius:16px;padding:30px;background:#FFFFFF;display:flex;flex-direction:column}
.who-card .wt{font-family:var(--mono);font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--signal);font-weight:600}
.who-card h3{font-size:23px;font-weight:800;letter-spacing:-.025em;margin:12px 0 10px}
.who-card p{font-size:15px;color:var(--slate);margin-bottom:18px}
.who-list{list-style:none;display:flex;flex-direction:column;gap:11px;margin-bottom:24px}
.who-list li{display:flex;gap:11px;font-size:14.5px;color:var(--ink);align-items:flex-start}
.who-list svg{width:17px;height:17px;color:var(--signal);flex-shrink:0;margin-top:2px}
.who-card .who-foot{margin-top:auto}
@media(max-width:760px){.who{grid-template-columns:1fr}}

/* ---------- panel logos ---------- */
.panel-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:34px}
.bank{font-family:var(--mono);font-size:13.5px;font-weight:600;color:var(--ink);background:#FFFFFF;border:1px solid var(--edge);border-left:3px solid var(--silver);border-radius:8px;padding:11px 16px 11px 14px;transition:transform .15s,box-shadow .15s,border-color .15s}
.bank:hover{transform:translateY(-2px);box-shadow:0 10px 24px -16px rgba(10,26,28,.4);border-left-color:var(--amber)}
.panel-note{font-size:12.5px;color:var(--slate);margin-top:18px;max-width:60ch}

/* ---------- proof / quote ---------- */
.proof{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:42px}
.qcard{border:1px solid var(--edge);border-radius:14px;padding:26px;background:#FFFFFF}
.qcard blockquote{font-size:16px;line-height:1.6;font-weight:500;letter-spacing:-.01em}
.qcard .qmeta{font-family:var(--mono);font-size:12.5px;color:var(--slate);margin-top:16px}
@media(max-width:760px){.proof{grid-template-columns:1fr}}

/* ---------- FAQ ---------- */
.faq{margin-top:38px;border-top:1px solid var(--edge)}
.faq-cat{font-family:var(--mono);font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--signal);margin:34px 0 4px;padding-top:18px;border-top:2px solid var(--signal)}
.faq-cat:first-child{margin-top:0;padding-top:0;border-top:none}
.faq details{border-bottom:1px solid var(--edge)}
.faq summary{cursor:pointer;list-style:none;padding:20px 0;display:flex;justify-content:space-between;align-items:center;gap:16px;font-weight:600;font-size:16.5px;letter-spacing:-.01em}
.faq summary::-webkit-details-marker{display:none}
.faq summary .pm{flex-shrink:0;width:22px;height:22px;position:relative;transition:transform .2s}
.faq summary .pm::before,.faq summary .pm::after{content:"";position:absolute;background:var(--signal);border-radius:2px}
.faq summary .pm::before{top:10px;left:3px;width:16px;height:2px}
.faq summary .pm::after{top:3px;left:10px;width:2px;height:16px;transition:opacity .2s}
.faq details[open] summary .pm::after{opacity:0}
.faq p{padding:0 0 22px;color:var(--slate);font-size:15px;line-height:1.65;max-width:72ch}

/* ---------- final CTA ---------- */
.final-wrap{padding:72px 0}
.final-card{background:linear-gradient(155deg,var(--signal),var(--signal-d));border-radius:24px;padding:64px 40px;text-align:center;color:#fff;box-shadow:0 30px 70px -34px rgba(26,43,74,.5)}
.final-card h2{font-size:clamp(30px,4.4vw,46px);font-weight:800;letter-spacing:-.035em;line-height:1.05;max-width:18ch;margin:0 auto;color:#fff}
.final-card p{font-size:18px;color:rgba(255,255,255,.86);margin:18px auto 0;max-width:46ch}
.final-cta{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;margin-top:34px}
.final-fine{font-size:12.5px;color:rgba(255,255,255,.72);margin-top:22px}
.btn-light{background:#fff;color:var(--signal-d)}
.btn-light:hover{background:var(--paper);transform:translateY(-1px)}
@media(max-width:880px){.final-wrap{padding:52px 0}.final-card{padding:44px 24px}}

/* ---------- footer ---------- */
footer{background:var(--navy-d);color:var(--slate-l);padding:56px 0 40px;border-top:1px solid var(--edge-dark)}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:36px;padding-bottom:36px;border-bottom:1px solid var(--edge-dark)}
.foot-brand .brand{color:var(--paper);margin-bottom:14px}
.foot-brand p{font-size:13.5px;line-height:1.6;max-width:42ch}
.foot-col h4{font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--silver);margin-bottom:14px}
.foot-col a{display:block;font-size:14px;color:var(--slate-l);padding:5px 0;transition:color .15s}
.foot-col a:hover{color:var(--paper)}
.foot-legal{font-size:12px;line-height:1.7;color:var(--slate);padding-top:26px}
.foot-legal .reg{color:var(--slate-l);margin-bottom:10px;font-family:var(--mono);font-size:11.5px}
@media(max-width:760px){.foot-grid{grid-template-columns:1fr 1fr;gap:24px 20px}.foot-brand{grid-column:1 / -1}}

/* ---------- mobile sticky CTA bar ---------- */
.mobar{display:none}
@media(max-width:880px){
  .mobar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;gap:10px;padding:12px 16px;background:rgba(255,255,255,.92);backdrop-filter:blur(12px);border-top:1px solid var(--edge)}
  .mobar .btn{flex:1}
  .mobar .btn-signal{display:none}
  body{padding-bottom:74px}
}

@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

/* ============ SHARED PAGE FURNITURE (multi-page) ============ */
.breadcrumb{font-family:var(--mono);font-size:12px;color:var(--silver);padding:24px 0 0}
.breadcrumb a{color:var(--signal-d)}
.breadcrumb a:hover{text-decoration:underline}
.breadcrumb span{color:var(--slate-l);margin:0 6px}

/* page hero (lighter than home hero) */
.page-hero{padding:48px 0 16px}
.page-hero .ey{display:block;margin-bottom:14px}
.page-hero h1{font-size:clamp(32px,4.6vw,52px);font-weight:800;letter-spacing:-.035em;line-height:1.05;max-width:20ch}
.page-hero .lede{font-size:clamp(17px,1.7vw,20px);color:var(--slate);max-width:60ch;margin-top:18px}

/* ============ INSIGHTS HUB ============ */
.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.acard{display:flex;flex-direction:column;background:#FFFFFF;border:1px solid var(--edge);border-radius:16px;overflow:hidden;transition:transform .15s,box-shadow .15s,border-color .15s}
.acard:hover{transform:translateY(-4px);box-shadow:0 20px 44px -26px rgba(10,26,28,.4);border-color:var(--signal)}
.acard .athumb{height:140px;background:linear-gradient(150deg,var(--signal),var(--signal-d));position:relative;display:flex;align-items:flex-end;padding:16px}
.acard .athumb.alt{background:linear-gradient(150deg,#E8ECF3,#D4DBE8)}
.acard .athumb.alt .atag{background:var(--ink);color:var(--paper)}
.acard .atag{font-family:var(--mono);font-size:11px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;background:rgba(255,255,255,.92);color:var(--signal-d);padding:5px 10px;border-radius:6px}
.acard .abody{padding:22px;display:flex;flex-direction:column;flex:1}
.acard h3{font-size:19px;font-weight:700;letter-spacing:-.02em;line-height:1.25;margin-bottom:10px}
.acard p{font-size:14.5px;color:var(--slate);line-height:1.6;flex:1}
.acard .ameta{font-family:var(--mono);font-size:12px;color:var(--slate-l);margin-top:16px;display:flex;gap:12px}
.hub-filter{display:flex;gap:10px;margin-top:28px;flex-wrap:wrap}
.chip{font-family:var(--mono);font-size:12.5px;font-weight:600;color:var(--slate);background:#FFFFFF;border:1px solid var(--edge);border-radius:100px;padding:8px 16px}
.chip.on{background:var(--signal);color:#fff;border-color:var(--signal)}
@media(max-width:880px){.hub-grid{grid-template-columns:1fr}}

/* ============ ARTICLE PROSE ============ */
.article{max-width:720px;margin:0 auto;padding:8px 0 0}
.article .meta-row{font-family:var(--mono);font-size:13px;color:var(--slate);display:flex;gap:14px;flex-wrap:wrap;padding:18px 0 26px;border-bottom:1px solid var(--edge);margin-bottom:32px}
.article .meta-row .tag{color:var(--signal-d);font-weight:600}
.prose{font-size:17.5px;line-height:1.72;color:#1C2330}
.prose h2{font-size:27px;font-weight:800;letter-spacing:-.025em;line-height:1.15;margin:42px 0 16px;color:var(--ink)}
.prose h3{font-size:20px;font-weight:700;letter-spacing:-.015em;margin:32px 0 12px;color:var(--ink)}
.prose p{margin:0 0 20px}
.prose a{color:var(--signal-d);text-decoration:underline;text-underline-offset:2px}
.prose ul,.prose ol{margin:0 0 22px 22px}
.prose li{margin-bottom:10px}
.prose strong{font-weight:700;color:var(--ink)}
.prose blockquote{border-left:3px solid var(--signal);padding:6px 0 6px 22px;margin:26px 0;font-size:19px;font-style:italic;color:var(--slate)}
.callout{background:var(--tint);border:1px solid var(--tint-edge);border-radius:14px;padding:22px 24px;margin:28px 0;font-size:16px;line-height:1.6}
.callout .ct{font-family:var(--mono);font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--signal-d);margin-bottom:8px;display:block}
.keytable{width:100%;border-collapse:collapse;margin:24px 0;font-size:15px}
.keytable th,.keytable td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--edge)}
.keytable th{font-family:var(--mono);font-size:12px;letter-spacing:.05em;text-transform:uppercase;color:var(--silver);background:var(--paper-2)}
.keytable tr:hover td{background:#FFFFFF}

/* article inline CTA + share */
.article-cta{background:linear-gradient(150deg,var(--signal),var(--signal-d));border-radius:18px;padding:34px;margin:44px 0;text-align:center;color:#fff}
.article-cta h3{font-size:23px;font-weight:800;letter-spacing:-.02em;color:#fff;margin-bottom:8px}
.article-cta p{color:rgba(255,255,255,.85);font-size:15.5px;margin-bottom:20px}
.article-cta .btn-light{background:#fff;color:var(--signal-d)}
.next-reads{margin:48px 0 0;border-top:1px solid var(--edge);padding-top:32px}
.next-reads h4{font-family:var(--mono);font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--slate);margin-bottom:16px}
.next-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.next-grid a{display:block;border:1px solid var(--edge);border-radius:12px;padding:18px;background:#FFFFFF;transition:border-color .15s,transform .15s}
.next-grid a:hover{border-color:var(--signal);transform:translateY(-2px)}
.next-grid .nt{font-family:var(--mono);font-size:11px;color:var(--signal-d);text-transform:uppercase;letter-spacing:.06em}
.next-grid h5{font-size:16px;font-weight:700;letter-spacing:-.01em;margin-top:8px;line-height:1.3}
@media(max-width:680px){.next-grid{grid-template-columns:1fr}.prose{font-size:16.5px}}

/* ============ APPLY / FORM ============ */
.apply-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start;margin-top:8px}
.apply-aside .alist{list-style:none;display:flex;flex-direction:column;gap:18px;margin-top:24px}
.apply-aside .alist li{display:flex;gap:14px}
.apply-aside .alist .num{font-family:var(--mono);font-weight:700;color:var(--signal);flex-shrink:0}
.apply-aside .alist b{display:block;margin-bottom:3px}
.apply-aside .alist span{font-size:14.5px;color:var(--slate)}
.formcard{background:#FFFFFF;border:1px solid var(--edge);border-radius:18px;padding:32px}
.formcard .seg{display:flex;background:var(--paper-2);border-radius:10px;padding:4px;margin-bottom:22px}
.formcard .seg button{flex:1;border:none;background:none;font-family:inherit;font-weight:600;font-size:14px;color:var(--slate);padding:10px;border-radius:7px;cursor:pointer;transition:.15s}
.formcard .seg button.on{background:#fff;color:var(--signal-d);box-shadow:0 1px 4px rgba(0,0,0,.08)}
.field{margin-bottom:18px}
.field label{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:7px}
.field input,.field select{width:100%;font-family:inherit;font-size:15px;padding:13px 14px;border:1px solid var(--edge);border-radius:10px;background:#fff;color:var(--ink);transition:border-color .15s}
.field input:focus,.field select:focus{outline:none;border-color:var(--signal);box-shadow:0 0 0 3px var(--signal-soft)}
.singpass-row{display:flex;align-items:center;gap:12px;background:var(--tint);border:1px solid var(--tint-edge);border-radius:12px;padding:16px;margin-bottom:22px;font-size:14px;color:var(--slate)}
.sp-btn{display:inline-flex;align-items:center;gap:8px;background:#F4333D;color:#fff;font-weight:700;font-size:14px;padding:11px 18px;border-radius:9px;border:none;cursor:pointer;white-space:nowrap}
.form-fine{font-size:12px;color:var(--slate-l);line-height:1.5;margin-top:14px}
@media(max-width:880px){.apply-grid{grid-template-columns:1fr;gap:32px}}

/* ============ ABOUT / CONTACT ============ */
.value-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:36px}
.vcard{background:#FFFFFF;border:1px solid var(--edge);border-radius:14px;padding:26px}
.vcard .vn{font-family:var(--mono);font-size:13px;color:var(--signal);font-weight:600}
.vcard h3{font-size:18px;font-weight:700;margin:12px 0 8px;letter-spacing:-.01em}
.vcard p{font-size:14.5px;color:var(--slate);line-height:1.6}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin-top:8px}
.contact-method{display:flex;gap:14px;padding:20px 0;border-bottom:1px solid var(--edge)}
.contact-method .ci{width:44px;height:44px;border-radius:11px;background:var(--tint);display:grid;place-items:center;flex-shrink:0;color:var(--signal-d)}
.contact-method b{display:block;font-size:16px;margin-bottom:3px}
.contact-method span,.contact-method a{font-size:14.5px;color:var(--slate)}
.contact-method a{color:var(--signal-d)}
@media(max-width:880px){.value-grid{grid-template-columns:1fr}.contact-grid{grid-template-columns:1fr;gap:28px}}

/* ============ DEPTH + MOTION (craft pass) ============ */
/* scroll reveal */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s cubic-bezier(.16,1,.3,1),transform .7s cubic-bezier(.16,1,.3,1)}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}

/* lift section headings with a small silver kicker rule */
.s-head .ey::before{content:"";display:inline-block;width:22px;height:1px;background:var(--silver);vertical-align:middle;margin-right:10px;opacity:.7}

/* soften + lift all cards consistently */
.prop,.who-card,.vcard,.acard,.qcard,.formcard{box-shadow:0 1px 2px rgba(20,30,55,.04),0 8px 24px -18px rgba(20,30,55,.18)}
.who-card{transition:transform .15s,box-shadow .15s,border-color .15s}
.who-card:hover,.vcard:hover{transform:translateY(-3px);box-shadow:0 18px 44px -22px rgba(26,43,74,.32);border-color:var(--silver)}

/* alternating section tint already exists via on-paper-2; add a hairline top accent to dark/cta blocks */
.final-card{position:relative;overflow:hidden}
.final-card::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.05) 1px,transparent 1px);background-size:20px 20px;mask-image:radial-gradient(110% 90% at 50% 0%,#000,transparent 72%);-webkit-mask-image:radial-gradient(110% 90% at 50% 0%,#000,transparent 72%);pointer-events:none}
.final-card>*{position:relative;z-index:2}

/* ---- "see all" link with arrow ---- */
.link-arrow{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:15px;color:var(--signal);margin-top:8px}
.link-arrow svg{width:18px;height:18px;transition:transform .15s}
.link-arrow:hover svg{transform:translateX(3px)}
.faq-more{margin-top:24px}

/* ---- homepage featured insights strip ---- */
.feat-head{display:flex;justify-content:space-between;align-items:flex-end;flex-wrap:wrap;gap:16px}
.feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:36px}
@media(max-width:880px){.feat-grid{grid-template-columns:1fr}}

/* ---- footer social ---- */
.foot-social{display:flex;align-items:center;gap:14px;padding:24px 0 4px;border-bottom:1px solid var(--edge-dark)}
.foot-social .fs-label{font-family:var(--mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--silver)}
.foot-social a{color:var(--silver);display:grid;place-items:center;transition:color .15s,transform .15s}
.foot-social a:hover{color:#fff;transform:translateY(-2px)}
.foot-social svg{width:20px;height:20px;display:block}

/* ---- Instagram teaser grid ---- */
#instagram{padding:8px 0}
.ig-head{display:flex;justify-content:space-between;align-items:flex-end;flex-wrap:wrap;gap:16px}
.ig-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:36px}
.ig-tile{position:relative;display:block;aspect-ratio:1;border-radius:16px;overflow:hidden;border:1px solid var(--edge);background:var(--navy);transition:transform .18s ease,box-shadow .18s ease}
.ig-tile:hover{transform:translateY(-4px);box-shadow:0 22px 50px -28px rgba(26,43,74,.5)}
.ig-tile img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block}
/* placeholder gradient shown until a real image is dropped in */
.ig-tile .ig-ph{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.45);font-family:var(--mono);font-size:12px;text-align:center;padding:16px}
.ig-tile.g1 .ig-ph{background:linear-gradient(135deg,#1A2B4A,#2A4068)}
.ig-tile.g2 .ig-ph{background:linear-gradient(135deg,#0E7C6B,#0A5D50)}
.ig-tile.g3 .ig-ph{background:linear-gradient(135deg,#33415e,#1A2B4A)}
.ig-tile .ig-mark{position:absolute;top:13px;right:13px;color:#fff;opacity:.92;z-index:2;filter:drop-shadow(0 1px 3px rgba(0,0,0,.4))}
.ig-tile .ig-mark svg{width:21px;height:21px;display:block}
.ig-tile .ig-cap{position:absolute;left:0;right:0;bottom:0;z-index:2;padding:16px 15px 14px;background:linear-gradient(transparent,rgba(8,14,28,.86));color:#fff;font-size:13.5px;font-weight:600;line-height:1.3}
@media(max-width:760px){.ig-grid{grid-template-columns:1fr 1fr;gap:12px}.ig-grid .ig-tile:last-child{grid-column:1 / -1;aspect-ratio:2/1}}

/* ============ MOBILE CAROUSELS (scroll-snap, no JS) ============ */
@media(max-width:760px){
  /* Insights featured → horizontal carousel */
  .feat-grid{
    display:flex;
    grid-template-columns:none;
    overflow-x:auto;
    scroll-snap-type:x mandatory;
    gap:14px;
    padding:4px 20px 14px;
    margin-left:-20px;margin-right:-20px;
    -webkit-overflow-scrolling:touch;
    scrollbar-width:none;
  }
  .feat-grid::-webkit-scrollbar{display:none}
  .feat-grid .acard{
    flex:0 0 82%;
    scroll-snap-align:center;
  }
  /* Instagram → horizontal carousel of squares */
  .ig-grid{
    display:flex;
    grid-template-columns:none;
    overflow-x:auto;
    scroll-snap-type:x mandatory;
    gap:12px;
    padding:4px 20px 14px;
    margin-left:-20px;margin-right:-20px;
    -webkit-overflow-scrolling:touch;
    scrollbar-width:none;
  }
  .ig-grid::-webkit-scrollbar{display:none}
  .ig-grid .ig-tile{
    flex:0 0 70%;
    aspect-ratio:1 !important;
    scroll-snap-align:center;
  }
  .ig-grid .ig-tile:last-child{grid-column:auto}
  /* swipe affordance hint */
  .carousel-hint{display:flex;align-items:center;gap:6px;font-family:var(--mono);font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--silver);margin-top:14px}
  .carousel-hint svg{width:15px;height:15px}
}
@media(min-width:761px){.carousel-hint{display:none}}

/* ============ FAQ category-filter pills (mobile) ============ */
.faq-pills{display:none}
@media(max-width:760px){
  .faq-pills{
    display:flex;gap:8px;overflow-x:auto;padding:4px 20px 16px;
    margin:0 -20px 8px;scrollbar-width:none;-webkit-overflow-scrolling:touch;
  }
  .faq-pills::-webkit-scrollbar{display:none}
  .faq-pill{
    flex:0 0 auto;font-family:var(--mono);font-size:12.5px;font-weight:600;
    color:var(--slate);background:#fff;border:1px solid var(--edge);
    border-radius:100px;padding:9px 16px;cursor:pointer;white-space:nowrap;
    transition:.15s;
  }
  .faq-pill.on{background:var(--signal);color:#fff;border-color:var(--signal)}
  /* on mobile, hide category headings inside groups (the pill is the label) */
  .faq-group .faq-cat{display:none}
  .faq-group{border-top:none}
  .faq-group.hide{display:none}
}

/* tighten homepage FAQ spacing on mobile (felt crowded) */
@media(max-width:760px){
  .faq summary{padding:16px 0;font-size:15.5px;gap:12px}
  .faq summary .pm{width:20px;height:20px}
  .faq details > p{font-size:14px;line-height:1.6;padding-bottom:4px}
  .faq{margin-top:28px}
  .faq-more{margin-top:18px}
}


.article .ahero{width:100%;max-width:720px;margin:18px auto 0;height:300px;border-radius:16px;background-size:cover;background-position:center;box-shadow:0 1px 2px rgba(20,30,55,.04),0 14px 36px -22px rgba(20,30,55,.3)}
@media(max-width:560px){.article .ahero{height:200px;border-radius:12px}}
/* Hub card thumbnails as real <img> (image SEO + CLS) with legibility overlay */
.acard .athumb{overflow:hidden}
.acard .athumb .athumb-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.acard .athumb.has-img::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(13,20,40,.15),rgba(13,20,40,0));z-index:1}
.acard .athumb .atag{position:relative;z-index:2}