/* Thought to Keys - design system (reference: Vort / Eloqwnt private-equity layout)
   Palette: #060D0F ink, #213A42 deep teal, #79A8A6 sage, #67C6C9 bright teal, #F1F8FA light, #95B1B5 / #6A7C83 / #415358 greys */
:root{
  --bg:#ffffff; --bg-2:#F1F8FA; --bg-3:#E6F0F1; --card:#ffffff; --ink:#060D0F; --ink-2:#415358; --muted:#6A7C83;
  --line:#DCE7E9; --teal:#213A42; --teal-2:#2C4D57; --teal-3:#163038; --sage:#79A8A6; --sage-soft:#DCEBEA; --bright:#67C6C9;
  --accent:#213A42; --accent-ink:#ffffff; --accent-soft:#E3F0F0; --accent-2:#2C4D57;
  --navy:#213A42; --navy-2:#163038; --ok:#2E7D5B;
  --radius:20px; --radius-lg:28px; --shadow:0 12px 40px rgba(6,13,15,.08);
  --font-display:"Manrope", "Inter", system-ui, sans-serif; --font-body:"Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#0B1518; --bg-2:#10202A; --bg-3:#13252F; --card:#12222A; --ink:#F1F8FA; --ink-2:#C9D6D9; --muted:#95B1B5;
    --line:#24383F; --sage-soft:#1A3238; --accent:#67C6C9; --accent-ink:#060D0F; --accent-soft:#1A3238; --accent-2:#8ED8DA;
    --navy:#0E1C21; --navy-2:#071215; --shadow:0 12px 40px rgba(0,0,0,.4);
  }
}
:root[data-theme="dark"]{
  --bg:#0B1518; --bg-2:#10202A; --bg-3:#13252F; --card:#12222A; --ink:#F1F8FA; --ink-2:#C9D6D9; --muted:#95B1B5;
  --line:#24383F; --sage-soft:#1A3238; --accent:#67C6C9; --accent-ink:#060D0F; --accent-soft:#1A3238; --accent-2:#8ED8DA;
  --navy:#0E1C21; --navy-2:#071215; --shadow:0 12px 40px rgba(0,0,0,.4);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font-body);line-height:1.6;font-size:16.5px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--accent-2);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--font-display);font-weight:500;line-height:1.12;margin:0 0 .5em;letter-spacing:-.02em;color:var(--ink)}
h1{font-size:clamp(2.2rem,5.2vw,3.9rem)}
h2{font-size:clamp(1.7rem,3.4vw,2.6rem)}
h3{font-size:1.2rem;font-weight:600}
h4{font-size:1rem;font-weight:600}
p{margin:0 0 1em}
ul{margin:0 0 1em;padding-left:20px}
.wrap{width:min(1180px,100% - 32px);margin-inline:auto}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-bottom:.9rem}
.eyebrow:before{content:"";width:6px;height:6px;border-radius:50%;background:var(--bright)}
.lead{font-size:1.1rem;color:var(--ink-2);max-width:60ch}
.muted{color:var(--muted)}
.small{font-size:.9rem}
section{padding:72px 0}
.section-alt{background:var(--bg-2)}
.section-tight{padding:40px 0}
.section-head{display:grid;grid-template-columns:1.1fr .9fr;gap:32px;align-items:end;margin-bottom:36px}
.section-head p{margin:0;color:var(--ink-2)}
@media (max-width:800px){.section-head{grid-template-columns:1fr}}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:color-mix(in srgb,var(--bg) 86%,transparent);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav-row{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px;position:relative}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink);font-family:var(--font-display);font-weight:700;font-size:1.15rem;letter-spacing:-.02em}
.brand:hover{text-decoration:none}
.brand svg{width:30px;height:30px;color:var(--bright)}
.nav{display:flex;align-items:center;gap:24px}
.nav a{color:var(--ink-2);font-weight:500;font-size:.93rem}
.nav a[aria-current="page"]{color:var(--ink);border-bottom:2px solid var(--bright)}
.nav a.btn{color:var(--accent-ink)}
.nav a.btn[aria-current="page"]{border-bottom:1px solid transparent}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;color:var(--ink);font:inherit}
@media (max-width:980px){
  .nav{display:none;position:absolute;left:0;right:0;top:72px;background:var(--bg);border-bottom:1px solid var(--line);padding:16px;flex-direction:column;align-items:flex-start}
  .nav.open{display:flex}
  .nav-toggle{display:inline-block}
}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:13px 22px;border-radius:999px;border:1px solid transparent;cursor:pointer;font:inherit;font-weight:600;font-size:.95rem;transition:transform .12s ease,background .12s ease}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn:after{content:"\2192";font-weight:500}
.btn.no-arrow:after{content:none}
.btn-primary{background:var(--accent);color:var(--accent-ink)}
.btn-primary:hover{background:var(--accent-2);color:var(--accent-ink)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-light{background:#fff;color:var(--teal)}
.btn-light:hover{background:var(--bg-2);color:var(--teal)}
.btn-sm{padding:9px 16px;font-size:.88rem}
.on-dark .btn-ghost{color:#F1F8FA;border-color:rgba(255,255,255,.3)}

/* dark hero (rounded, full-bleed image card) */
.hero-dark{padding:16px 0 0}
.hero-panel{position:relative;border-radius:var(--radius-lg);overflow:hidden;background:linear-gradient(160deg,#0B1A1F 0%,#213A42 55%,#2F5560 100%);color:#F1F8FA;min-height:560px;display:grid;align-items:end;padding:56px 48px 44px;isolation:isolate}
.hero-panel .lines{position:absolute;inset:0;width:100%;height:100%;z-index:-1;opacity:.55}
.hero-panel h1{color:#fff;max-width:14ch}
.hero-panel .lead{color:#D3E2E4;max-width:52ch}
.hero-stat{position:absolute;top:44px;right:48px;text-align:right}
.hero-stat strong{display:block;font-family:var(--font-display);font-size:2.2rem;font-weight:500;color:#fff;line-height:1}
.hero-stat span{font-size:.8rem;color:#A9C4C7}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.hero-scroll{position:absolute;right:48px;bottom:44px;font-size:.8rem;color:#A9C4C7}
@media (max-width:800px){.hero-panel{padding:120px 22px 32px;min-height:520px}.hero-stat{top:24px;right:22px}.hero-scroll{display:none}}

/* stats row */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:48px 0 8px}
.stat strong{display:block;font-family:var(--font-display);font-size:2.6rem;font-weight:500;letter-spacing:-.03em;line-height:1;color:var(--ink)}
.stat span{display:block;font-size:.85rem;color:var(--muted);margin-top:8px;max-width:22ch}
@media (max-width:800px){.stats{grid-template-columns:repeat(2,1fr)}}

/* simple hero for inner pages */
.hero{padding:56px 0 24px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero-note{margin-top:16px;font-size:.88rem;color:var(--muted)}
.hero-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:22px}
.hero-card h3{margin-bottom:12px}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}}

/* lists of stages (hero card) */
.stage-list{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.stage-list li a{display:flex;align-items:center;gap:12px;padding:10px 12px;border-radius:12px;border:1px solid var(--line);color:var(--ink);background:var(--bg)}
.stage-list li a:hover{border-color:var(--sage);text-decoration:none;background:var(--sage-soft)}
.stage-num{width:28px;height:28px;border-radius:50%;background:var(--teal);color:#fff;display:grid;place-items:center;font-size:.78rem;font-weight:700;flex:none}

/* approach list (icon rows, active row filled) */
.approach{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:start}
.approach-list{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.approach-list li{display:grid;grid-template-columns:44px 1fr;gap:14px;align-items:center;padding:14px 16px;border-radius:14px;border:1px solid var(--line);background:var(--card);color:var(--ink);transition:background .15s ease}
.approach-list li.active,.approach-list li:hover{background:var(--teal);color:#fff;border-color:var(--teal)}
.approach-list li .ico{width:44px;height:44px;border-radius:12px;background:var(--sage-soft);display:grid;place-items:center;color:var(--teal)}
.approach-list li.active .ico,.approach-list li:hover .ico{background:rgba(255,255,255,.14);color:#fff}
.approach-list li strong{display:block;font-weight:600}
.approach-list li span{font-size:.88rem;opacity:.85}
@media (max-width:860px){.approach{grid-template-columns:1fr}}

/* card carousel (stages) */
.carousel{display:flex;gap:16px;overflow-x:auto;scroll-snap-type:x mandatory;padding:4px 4px 16px;scrollbar-width:none}
.carousel::-webkit-scrollbar{display:none}
.carousel > *{flex:0 0 300px;scroll-snap-align:start}
.stage-card{border-radius:var(--radius);padding:26px;min-height:300px;display:flex;flex-direction:column;justify-content:space-between;color:var(--ink);background:var(--bg-2);border:1px solid var(--line)}
.stage-card.dark{background:var(--teal);color:#F1F8FA;border-color:transparent}
.stage-card.dark h3,.stage-card.dark .who{color:#fff}
.stage-card.dark p{color:#D3E2E4}
.stage-card.sage{background:var(--sage);color:#06201F;border-color:transparent}
.stage-card.sage h3{color:#06201F}
.stage-card.sage p{color:#143634}
.stage-card .k{font-family:var(--font-display);font-size:2rem;font-weight:500;line-height:1;opacity:.5}
.stage-card .who{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;font-weight:600;margin:14px 0 6px;color:var(--muted)}
.stage-card p{font-size:.92rem;margin:0}
.stage-card a{color:inherit;font-weight:600;font-size:.9rem;margin-top:14px;display:inline-block}
.carousel-nav{display:flex;justify-content:space-between;align-items:center;margin-top:8px;gap:12px}
.carousel-nav .bar{flex:1;height:2px;background:var(--line);position:relative;overflow:hidden}
.carousel-nav .bar i{position:absolute;left:0;top:0;height:100%;width:25%;background:var(--teal)}
.carousel-nav button{width:36px;height:36px;border-radius:50%;border:1px solid var(--line);background:var(--card);color:var(--ink);cursor:pointer;font:inherit}
.carousel-nav button.fill{background:var(--teal);color:#fff;border-color:var(--teal)}

/* gradient section with glass cards */
.gradient{border-radius:var(--radius-lg);background:linear-gradient(135deg,#1C353C 0%,#2E5660 60%,#5F8F8E 100%);color:#F1F8FA;padding:56px 48px;display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;position:relative;overflow:hidden}
.gradient:after{content:"";position:absolute;right:-80px;bottom:-80px;width:360px;height:360px;background:radial-gradient(circle,rgba(255,255,255,.14) 1.5px,transparent 2px) 0 0/14px 14px;border-radius:50%;opacity:.7;pointer-events:none}
.gradient h2,.gradient h3{color:#fff}
.gradient .lead{color:#D3E2E4}
.gradient .eyebrow{color:#A9C4C7}
.glass{display:grid;gap:12px}
.glass div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:18px 20px;backdrop-filter:blur(6px)}
.glass strong{display:block;font-weight:600;color:#fff;margin-bottom:4px}
.glass span{font-size:.9rem;color:#D3E2E4}
@media (max-width:860px){.gradient{grid-template-columns:1fr;padding:36px 22px}}

/* grids and cards */
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media (max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card h3{margin-top:4px}
.card .tag{display:inline-block;font-size:.72rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--teal);background:var(--sage-soft);padding:4px 10px;border-radius:999px;margin-bottom:10px}
.card ul{padding-left:18px;margin:0 0 .5em}
.card li{margin-bottom:4px}
.card.link{color:inherit;display:block}
.card.link:hover{text-decoration:none;border-color:var(--sage)}
.card.dark{background:var(--teal);color:#F1F8FA;border-color:transparent}
.card.dark h3{color:#fff}
.card.dark .tag{background:rgba(255,255,255,.14);color:#fff}

/* insights (article cards) */
.insight{display:grid;gap:12px}
.insight .thumb{aspect-ratio:16/9;border-radius:14px;background:linear-gradient(135deg,var(--sage-soft),var(--bg-3));display:grid;place-items:center;color:var(--teal);font-family:var(--font-display);font-size:1.6rem;font-weight:500}
.insight h3{font-size:1.05rem}
.insight .meta{font-size:.8rem;color:var(--muted)}

/* broker block */
.broker{display:grid;grid-template-columns:340px 1fr;gap:44px;align-items:center}
.broker img{border-radius:var(--radius);height:auto;aspect-ratio:1/1;object-fit:cover}
.badges{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0}
.pill{font-size:.8rem;padding:5px 12px;border-radius:999px;border:1px solid var(--line);color:var(--ink-2);background:var(--bg)}
.pill.pro{background:var(--sage-soft);border-color:transparent;color:var(--teal);font-weight:600}
.on-dark .pill.pro{background:rgba(255,255,255,.12);color:#fff}
@media (max-width:800px){.broker{grid-template-columns:1fr}.broker img{max-width:340px}}

/* journey timeline */
.timeline{display:grid;gap:24px}
.stage{display:grid;grid-template-columns:64px 1fr;gap:20px;scroll-margin-top:96px}
.stage-marker{display:flex;flex-direction:column;align-items:center}
.stage-marker .stage-num{width:44px;height:44px;font-size:1rem;font-family:var(--font-display)}
.stage-marker:after{content:"";flex:1;width:2px;background:var(--line);margin-top:8px}
.stage:last-child .stage-marker:after{display:none}
.stage-body{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.stage-body h2{font-size:1.5rem}
.stage-meta{display:flex;flex-wrap:wrap;gap:8px;margin:8px 0 16px}
.stage-cols{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.stage-cols h4{font-family:var(--font-body);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);margin-bottom:6px}
.stage-cols ul{margin:0;padding-left:18px}
.stage-cols li{margin-bottom:5px}
.stage-cta{margin-top:18px;display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.answer{background:var(--bg-2);border-left:3px solid var(--bright);padding:12px 16px;border-radius:0 12px 12px 0;margin:0 0 16px;font-size:.98rem}
@media (max-width:700px){.stage{grid-template-columns:1fr}.stage-marker{flex-direction:row}.stage-marker:after{display:none}.stage-cols{grid-template-columns:1fr}}

/* services page: list left, process diagram right */
.services-layout{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start}
.service-group{margin-bottom:36px}
.service-group h2{font-size:1.5rem;margin-bottom:14px}
.service{display:grid;grid-template-columns:40px 1fr auto;gap:14px;align-items:start;padding:16px 0;border-top:1px solid var(--line)}
.service:last-child{border-bottom:1px solid var(--line)}
.service .ico{width:40px;height:40px;border-radius:12px;background:var(--sage-soft);display:grid;place-items:center;color:var(--teal);font-weight:700;font-family:var(--font-display);font-size:.9rem}
.service h3{font-size:1.02rem;margin:4px 0 4px}
.service p{margin:0;font-size:.92rem;color:var(--ink-2)}
.service .st{font-size:.72rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);white-space:nowrap;padding-top:8px}
.diagram-wrap{position:static}
@media (min-width:901px) and (min-height:1020px){.diagram-wrap{position:sticky;top:96px}}
.diagram{background:var(--teal);color:#F1F8FA;border-radius:var(--radius-lg);padding:28px 26px;position:relative;overflow:hidden}
.diagram:after{content:"";position:absolute;right:-60px;top:-60px;width:260px;height:260px;background:radial-gradient(circle,rgba(255,255,255,.14) 1.5px,transparent 2px) 0 0/14px 14px;border-radius:50%;opacity:.6;pointer-events:none}
.diagram h2{color:#fff;font-size:1.35rem;margin-bottom:4px}
.diagram .sub{font-size:.86rem;color:#A9C4C7;margin-bottom:18px}
.lanes{display:grid;grid-template-columns:22px 1fr;gap:14px;position:relative}
.lane-bar{position:relative;background:linear-gradient(180deg,var(--bright),rgba(103,198,201,.35));border-radius:999px;width:8px;margin-left:7px}
.lane-bar span{position:absolute;left:14px;top:0;transform:rotate(90deg);transform-origin:left top;white-space:nowrap;font-size:.7rem;letter-spacing:.08em;text-transform:uppercase;color:#A9C4C7;margin-left:4px}
.steps-d{list-style:none;margin:0;padding:0;display:grid;gap:10px;position:relative}
.steps-d li{display:grid;grid-template-columns:34px 1fr;gap:12px;align-items:start;position:relative}
.steps-d li:before{content:"";position:absolute;left:16px;top:34px;bottom:-12px;width:2px;background:rgba(255,255,255,.18)}
.steps-d li:last-child:before{display:none}
.steps-d .n{width:34px;height:34px;border-radius:50%;background:#fff;color:var(--teal);display:grid;place-items:center;font-weight:700;font-size:.85rem;font-family:var(--font-display);position:relative;z-index:1}
.steps-d strong{display:block;font-weight:600;color:#fff;font-size:.98rem}
.steps-d .joins{display:flex;flex-wrap:wrap;gap:6px;margin:6px 0 0}
.steps-d .joins span{font-size:.72rem;padding:3px 9px;border-radius:999px;background:rgba(255,255,255,.12);color:#E3F0F0}
.steps-d .joins span.you{background:var(--bright);color:#06201F;font-weight:600}
.steps-d small{display:block;font-size:.8rem;color:#A9C4C7;margin-top:4px}
.diagram-legend{display:flex;gap:14px;flex-wrap:wrap;margin-top:18px;font-size:.78rem;color:#A9C4C7}
.diagram-legend i{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:6px;vertical-align:middle}
@media (max-width:900px){.services-layout{grid-template-columns:1fr}.diagram-wrap{position:static}}

/* professional roles */
.role{display:grid;grid-template-columns:56px 1fr;gap:16px}
.role-icon{width:56px;height:56px;border-radius:14px;background:var(--sage-soft);display:grid;place-items:center;color:var(--teal);font-family:var(--font-display);font-weight:700;font-size:1.1rem}
.role dl{margin:10px 0 0;display:grid;grid-template-columns:auto 1fr;gap:4px 12px;font-size:.92rem}
.role dt{color:var(--muted);font-weight:500}
.role dd{margin:0}
@media (max-width:600px){.role{grid-template-columns:1fr}}

/* forms */
form{display:grid;gap:14px}
label{font-weight:600;font-size:.93rem;display:grid;gap:6px}
input,select,textarea{font:inherit;padding:12px 14px;border:1px solid var(--line);border-radius:12px;background:var(--card);color:var(--ink);width:100%}
input:focus,select:focus,textarea:focus{outline:2px solid var(--bright);outline-offset:1px;border-color:var(--bright)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:600px){.form-row{grid-template-columns:1fr}}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.88rem;color:var(--ink-2)}
.check input{width:auto;margin-top:4px}
.consent{font-size:.8rem;color:var(--muted)}
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.form-success{display:none;background:var(--sage-soft);border:1px solid var(--sage);border-radius:14px;padding:18px}
.form-success.show{display:block}

/* stepper */
.steps{display:flex;gap:8px;margin-bottom:20px}
.steps span{flex:1;height:5px;border-radius:999px;background:var(--line)}
.steps span.done{background:var(--teal)}
.choice-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.choice{display:flex;align-items:center;gap:10px;padding:14px;border:1px solid var(--line);border-radius:14px;background:var(--bg);cursor:pointer;font:inherit;text-align:left;color:var(--ink)}
.choice:hover,.choice[aria-pressed="true"]{border-color:var(--teal);background:var(--sage-soft)}
.step-panel{display:none}
.step-panel.active{display:grid;gap:14px}
.step-actions{display:flex;justify-content:space-between;gap:10px;margin-top:6px}
@media (max-width:520px){.choice-grid{grid-template-columns:1fr}}

/* FAQ two-column like the reference */
.faq-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:start}
.faq details{border-bottom:1px solid var(--line);padding:16px 0}
.faq summary{cursor:pointer;font-weight:600;font-family:var(--font-display);font-size:1.05rem;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary:after{content:"+";color:var(--muted);font-weight:400}
.faq details[open] summary:after{content:"\2013"}
.faq p{margin:10px 0 0;color:var(--ink-2)}
@media (max-width:800px){.faq-layout{grid-template-columns:1fr}}

/* glossary */
.glossary{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.glossary dt{font-weight:600;font-family:var(--font-display);margin-bottom:4px}
.glossary dd{margin:0;font-size:.95rem;color:var(--ink-2)}
.glossary > div{padding:16px;border:1px solid var(--line);border-radius:14px;background:var(--card)}
@media (max-width:700px){.glossary{grid-template-columns:1fr}}

/* CTA band */
.cta-band{border-radius:var(--radius-lg);background:linear-gradient(135deg,#1C353C,#2E5660 60%,#5F8F8E);color:#F1F8FA;padding:56px 32px;text-align:center;position:relative;overflow:hidden}
.cta-band:after{content:"";position:absolute;right:-60px;top:-60px;width:260px;height:260px;background:radial-gradient(circle,rgba(255,255,255,.16) 1.5px,transparent 2px) 0 0/14px 14px;border-radius:50%;opacity:.6;pointer-events:none}
.cta-band h2{color:#fff;margin:0 0 8px}
.cta-band p{color:#D3E2E4;max-width:48ch;margin:0 auto 20px}
.cta-band .eyebrow{color:#A9C4C7;justify-content:center;display:flex}

/* misc */
.notice{border-left:3px solid var(--bright);background:var(--bg-2);padding:14px 18px;border-radius:0 12px 12px 0;font-size:.95rem}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{text-align:left;padding:10px 12px;border-bottom:1px solid var(--line);vertical-align:top}
th{font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.updated{font-size:.85rem;color:var(--muted);margin-top:24px}
.prose{max-width:72ch}
.prose h2{margin-top:1.6em;font-size:1.6rem}
.prose h3{margin-top:1.2em}
.breadcrumb{font-size:.82rem;color:var(--muted);margin-bottom:12px}
.breadcrumb a{color:var(--muted)}

/* footer (rounded dark block like the reference) */
.site-footer{padding:24px 0 24px}
.footer-panel{background:var(--teal);color:#C9D6D9;border-radius:var(--radius-lg);padding:44px 40px 28px;font-size:.88rem;position:relative;overflow:hidden}
.footer-panel:after{content:"";position:absolute;right:-40px;bottom:-40px;width:220px;height:220px;background:radial-gradient(circle,rgba(255,255,255,.12) 1.5px,transparent 2px) 0 0/14px 14px;border-radius:50%;pointer-events:none}
.site-footer a{color:#F1F8FA}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:32px;margin-bottom:28px;position:relative;z-index:1}
.site-footer h4{color:#fff;font-family:var(--font-body);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:10px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:6px}
.legal{border-top:1px solid rgba(255,255,255,.14);padding-top:20px;color:#A9C4C7;font-size:.8rem;line-height:1.6;position:relative;z-index:1}
.legal strong{color:#F1F8FA}
@media (max-width:800px){.footer-grid{grid-template-columns:1fr}.footer-panel{padding:32px 22px 22px}}
.skip{position:absolute;left:-999px}
.skip:focus{left:16px;top:16px;background:var(--card);padding:8px 12px;z-index:100}

/* photo card with overlay chip (reference: photo + stat card) */
.photo-card{position:relative;border-radius:18px;overflow:hidden;margin-bottom:12px}
.photo-card img{width:100%;aspect-ratio:4/3;object-fit:cover;object-position:50% 20%}
.photo-card .chip{position:absolute;left:14px;bottom:14px;background:rgba(6,13,15,.55);backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.18);border-radius:14px;padding:10px 14px;color:#fff;font-size:.85rem}
.photo-card .chip strong{display:block;font-family:var(--font-display);font-size:1.05rem;font-weight:600}
/* ================= interactivity layer ================= */
.ic{width:18px;height:18px;flex:none}
@media (prefers-reduced-motion: reduce){*{animation:none!important;transition:none!important}}

/* hero photo */
.hero-panel{background:#0B1A1F url(hero.jpg?v=7) 80% 50%/cover no-repeat;animation:heroPan 24s ease-in-out infinite alternate}
.hero-panel:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(6,13,15,.55) 0%,rgba(6,13,15,.15) 60%,transparent 100%)}
@keyframes heroPan{from{background-position:60% 50%}to{background-position:100% 50%}}
@media (max-width:800px){.hero-panel{background-image:url(hero-mobile.jpg?v=7)}}
.hero-short{min-height:340px;padding-top:40px}
.breadcrumb.on-dark,.breadcrumb.on-dark a{color:#A9C4C7}

/* reveal on scroll */
.js .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.js .reveal.in{opacity:1;transform:none}

/* shuffling stats */
.stat strong{font-variant-numeric:tabular-nums}
.stat strong.rolling{color:var(--sage)}

/* broker identity row (small photo) */
.broker-id{display:flex;align-items:center;gap:16px;margin-bottom:14px}
.broker-id img{width:84px;height:84px;border-radius:50%;object-fit:cover;border:3px solid rgba(255,255,255,.25);flex:none}
.broker-id h2{margin:4px 0 0;font-size:clamp(1.4rem,2.6vw,2rem)}
.broker.broker-sm{grid-template-columns:150px 1fr;gap:32px}
.broker.broker-sm img{width:150px;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:50% 25%}
@media (max-width:800px){.broker.broker-sm{grid-template-columns:1fr;gap:20px}.broker.broker-sm img{width:112px}}

/* hover lift */
.card,.stage-card,.svc{transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease,opacity .25s ease}
.card:hover,.stage-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.approach-list li{cursor:pointer}

/* ---------- journey stepper ---------- */
.track{position:relative;margin:8px 0 28px}
.track ol{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(8,1fr);position:relative;z-index:1}
.track-line{position:absolute;left:6.25%;right:6.25%;top:22px;height:3px;background:var(--line);border-radius:3px}
.track-line i{position:absolute;left:0;top:0;height:100%;width:0;background:var(--bright);border-radius:3px;transition:width .45s ease}
.node{display:flex;flex-direction:column;align-items:center;gap:8px;color:var(--muted);font-size:.82rem;font-weight:600;text-align:center}
.node:hover{text-decoration:none;color:var(--ink)}
.node .dot{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--card);border:2px solid var(--line);color:var(--ink-2);font-family:var(--font-display);font-size:1rem;transition:all .25s ease}
.node.done .dot{background:var(--sage-soft);border-color:var(--sage);color:var(--teal)}
.node.active .dot{background:var(--teal);border-color:var(--teal);color:#fff;transform:scale(1.12);box-shadow:0 0 0 6px color-mix(in srgb,var(--bright) 25%,transparent)}
.node.active{color:var(--ink)}
@media (max-width:760px){
  .track{overflow-x:auto;scrollbar-width:none;margin-inline:-16px;padding-inline:16px}
  .track::-webkit-scrollbar{display:none}
  .track ol{grid-template-columns:repeat(8,72px);padding:6px 0}
  .track-line{display:none}
  .node .lbl{font-size:.72rem}
}
.js .panel{display:none}
.js .panel.active{display:block;animation:panelIn .35s ease}
@keyframes panelIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
.panel{background:var(--card);border:1px solid var(--line);border-radius:var(--radius-lg);padding:32px;margin-bottom:20px;scroll-margin-top:96px}
.panel-head{display:flex;gap:18px;align-items:flex-start}
.panel-n{font-family:var(--font-display);font-size:3rem;line-height:1;color:var(--sage);font-weight:500}
.panel-kicker{margin:0 0 4px;font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:600}
.panel h2{font-size:clamp(1.4rem,2.6vw,1.9rem);margin:0 0 14px}
.panel-meta{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 20px}
.chip{display:inline-flex;align-items:center;gap:6px;font-size:.84rem;padding:6px 12px;border-radius:999px;background:var(--sage-soft);color:var(--teal);font-weight:600}
.chip .ic{width:15px;height:15px}
.chip.time{background:var(--bg-2);color:var(--ink-2)}
.panel-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.pcard{border:1px solid var(--line);border-radius:16px;padding:18px;background:var(--bg)}
.pcard h3{display:flex;align-items:center;gap:8px;font-size:.95rem;margin:0 0 10px}
.pcard h3 .ic{color:var(--teal)}
.pcard ul,.pcard ol{margin:0;padding:0;list-style:none;display:grid;gap:8px;font-size:.93rem;color:var(--ink-2)}
.ticks{counter-reset:t}
.ticks li{counter-increment:t;display:grid;grid-template-columns:22px 1fr;gap:8px}
.ticks li:before{content:counter(t);width:22px;height:22px;border-radius:50%;background:var(--sage-soft);color:var(--teal);font-size:.72rem;font-weight:700;display:grid;place-items:center}
.checklist label{display:grid;grid-template-columns:20px 1fr;gap:10px;font-weight:400;font-size:.93rem;color:var(--ink-2);cursor:pointer}
.checklist input{width:18px;height:18px;margin:2px 0 0;accent-color:var(--teal)}
.checklist input:checked + span{text-decoration:line-through;color:var(--muted)}
.pcard.warn{background:color-mix(in srgb,#E9A23B 8%,var(--bg));border-color:color-mix(in srgb,#E9A23B 30%,var(--line))}
.pcard.warn h3 .ic{color:#B9771A}
.pcard.warn li{padding-left:14px;position:relative}
.pcard.warn li:before{content:"";position:absolute;left:0;top:.6em;width:6px;height:6px;border-radius:50%;background:#E9A23B}
.panel-nav{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-top:22px;flex-wrap:wrap}
@media (max-width:900px){.panel-grid{grid-template-columns:1fr}.panel{padding:22px}.panel-n{font-size:2.2rem}}

/* glossary search + expanding terms */
.search-box{display:flex;align-items:center;gap:8px;border:1px solid var(--line);border-radius:999px;padding:4px 16px;background:var(--card);font-weight:400}
.search-box input{border:0;padding:8px 0;background:transparent;outline:none}
.search-box .ic{color:var(--muted)}
.terms{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:12px;align-items:start}
.term{display:flex;flex-direction:column;gap:8px;text-align:left;border:1px solid var(--line);background:var(--card);border-radius:16px;padding:16px 18px;cursor:pointer;font:inherit;color:var(--ink);transition:all .2s ease}
.term:hover{border-color:var(--sage)}
.term-t{font-family:var(--font-display);font-weight:600;display:flex;justify-content:space-between;gap:8px}
.term-t:after{content:"+";color:var(--muted);font-weight:400}
.js .term-d{display:none}
.term-d{font-size:.9rem;color:var(--ink-2)}
.term[aria-expanded="true"]{background:var(--teal);border-color:var(--teal);color:#fff}
.term[aria-expanded="true"] .term-t:after{content:"\2013";color:#A9C4C7}
.term[aria-expanded="true"] .term-d{display:block;color:#D3E2E4}
.term[hidden]{display:none}

/* ---------- services ---------- */
.services-layout{display:grid;grid-template-columns:1fr 340px;gap:40px;align-items:start}
.diagram-wrap{position:sticky;top:92px}
@media (max-width:980px){.services-layout{grid-template-columns:1fr}.diagram-wrap{position:static;order:-1}}
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px}
.filter{border:1px solid var(--line);background:var(--card);color:var(--ink-2);border-radius:999px;padding:9px 16px;font:inherit;font-weight:600;font-size:.9rem;cursor:pointer;display:inline-flex;gap:8px;align-items:center}
.filter b{font-weight:600;background:var(--bg-2);border-radius:999px;padding:1px 8px;font-size:.78rem}
.filter.active{background:var(--teal);border-color:var(--teal);color:#fff}
.filter.active b{background:rgba(255,255,255,.18)}
.filter-note{display:flex;justify-content:space-between;align-items:center;gap:10px;background:var(--sage-soft);color:var(--teal);border-radius:12px;padding:10px 14px;font-weight:600;font-size:.92rem;margin:0 0 16px}
.filter-note[hidden]{display:none}
.filter-note button{border:0;background:transparent;color:var(--teal);font:inherit;text-decoration:underline;cursor:pointer}
.svc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;align-items:start}
@media (max-width:640px){.svc-grid{grid-template-columns:1fr}}
.svc{border:1px solid var(--line);border-radius:18px;background:var(--card);overflow:hidden}
.svc:hover{border-color:var(--sage);transform:translateY(-3px);box-shadow:var(--shadow)}
.svc[data-group="mortgage"] .svc-tag{color:var(--teal)}
.js .svc.dim{opacity:.3}
.svc.hl{border-color:var(--teal);box-shadow:0 0 0 2px var(--teal)}
.svc[hidden]{display:none}
.svc-btn{display:grid;grid-template-columns:48px 1fr 20px;gap:14px;align-items:start;width:100%;padding:18px;border:0;background:transparent;text-align:left;font:inherit;color:var(--ink);cursor:pointer}
.svc-ic{width:48px;height:48px;border-radius:14px;background:var(--sage-soft);color:var(--teal);display:grid;place-items:center;transition:all .2s ease}
.svc-ic .ic{width:22px;height:22px}
.svc:hover .svc-ic,.svc.open .svc-ic{background:var(--teal);color:#fff}
.svc-tag{display:block;font-size:.7rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted);font-weight:600}
.svc h3{font-size:1.02rem;margin:3px 0 4px}
.svc-one{display:block;font-size:.88rem;color:var(--ink-2)}
.svc-plus{width:20px;height:20px;position:relative;margin-top:14px}
.svc-plus:before,.svc-plus:after{content:"";position:absolute;left:3px;right:3px;top:9px;height:2px;background:var(--muted);border-radius:2px;transition:transform .2s ease}
.svc-plus:after{transform:rotate(90deg)}
.svc.open .svc-plus:after{transform:rotate(0)}
.svc-more{padding:0 18px 16px 80px}
.js .svc-more{display:none}
.js .svc.open .svc-more{display:block;animation:panelIn .25s ease}
.svc-more p{margin:0 0 8px;font-size:.9rem;color:var(--ink-2)}
.svc-st{display:flex;gap:6px;flex-wrap:wrap}
.svc-st span{font-size:.72rem;font-weight:600;padding:2px 8px;border-radius:999px;background:var(--bg-2);color:var(--ink-2)}
@media (max-width:520px){.svc-more{padding-left:18px}}

/* diagram: compact, no rotated labels, no overlapping text */
.diagram{padding:24px 22px}
.diagram h2{font-size:1.25rem}
.diagram .sub{margin-bottom:14px}
.dsteps{list-style:none;margin:0;padding:0;position:relative;display:grid;gap:4px}
.dsteps:before{content:"";position:absolute;left:17px;top:18px;bottom:18px;width:2px;background:rgba(255,255,255,.18)}
.dstep{display:grid;grid-template-columns:36px 1fr auto;gap:12px;align-items:center;width:100%;padding:7px 8px 7px 0;border:0;background:transparent;color:#E3F0F0;font:inherit;text-align:left;cursor:pointer;border-radius:12px;position:relative}
.dstep .n{width:36px;height:36px;border-radius:50%;background:#2C4D57;color:#fff;display:grid;place-items:center;font-weight:700;font-family:var(--font-display);font-size:.9rem;position:relative;z-index:1;transition:all .2s ease;border:2px solid rgba(255,255,255,.2)}
.dstep .dt{font-weight:600;font-size:.94rem;color:#fff}
.dstep .dr{display:flex;gap:4px}
.dstep .dr i{width:26px;height:26px;border-radius:8px;background:rgba(255,255,255,.1);display:grid;place-items:center;color:#D3E2E4}
.dstep .dr i.you{background:var(--bright);color:#06201F}
.dstep .dr .ic{width:14px;height:14px}
.dstep:hover{background:rgba(255,255,255,.06)}
.dstep.active{background:rgba(255,255,255,.1)}
.dstep.active .n{background:#fff;color:var(--teal);border-color:#fff;transform:scale(1.08)}
.diagram-legend{display:flex;gap:14px;flex-wrap:wrap;margin-top:14px;font-size:.78rem;color:#A9C4C7;align-items:center}
.lg{display:inline-block;width:12px;height:12px;border-radius:4px;background:rgba(255,255,255,.2);margin-right:6px;vertical-align:middle}
.lg.you{background:var(--bright)}
@media (max-width:980px){.diagram .dsteps{grid-template-columns:1fr 1fr;gap:4px 12px}.dsteps:before{display:none}}
@media (max-width:520px){.diagram .dsteps{grid-template-columns:1fr}.dsteps:before{display:block}}
/* mobile fixes */
@media (max-width:800px){.hero-panel:before{background:linear-gradient(180deg,rgba(6,13,15,.35) 0%,rgba(6,13,15,.72) 45%,rgba(6,13,15,.8) 100%)}}
@media (max-width:760px){.track ol{padding:12px 6px 8px}}

/* guides section */
.guides{display:grid;grid-template-columns:1.1fr 1fr;gap:20px;align-items:stretch}
.guide-feature,.guide-row{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.guide-feature:hover,.guide-row:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--sage)}
.gimg{display:block;overflow:hidden}
.gimg img{width:100%;height:100%;object-fit:cover;transition:transform .6s ease}
.guide-feature:hover .gimg img,.guide-row:hover .gimg img{transform:scale(1.05)}
.guide-feature .gimg{aspect-ratio:16/9}
.guide-body{padding:24px 26px 26px}
.guide-body .answer{margin:10px 0 18px}
.gtag{display:inline-block;font-size:.72rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--teal);background:var(--sage-soft);padding:4px 10px;border-radius:999px}
.guide-feature h3{font-size:1.45rem;margin:12px 0 0}
.guides h3 a{color:var(--ink)}
.guides h3 a:hover{color:var(--accent-2);text-decoration:none}
.guide-list{display:grid;gap:16px}
.guide-row{display:grid;grid-template-columns:170px 1fr;gap:18px;padding:14px;align-items:start}
.guide-row .gimg{border-radius:14px;aspect-ratio:4/3}
.guide-row h3{font-size:1.02rem;margin:8px 0 6px}
.qa-toggle{border:0;background:none;padding:0;font:inherit;font-size:.88rem;font-weight:600;color:var(--accent-2);cursor:pointer;display:inline-flex;gap:6px;align-items:center}
.qa-toggle:after{content:"+";font-weight:400}
.qa-toggle[aria-expanded="true"]:after{content:"\2013"}
.qa-answer{font-size:.9rem;color:var(--ink-2);margin:8px 0 0}
.js .qa-answer{display:none}
.js .qa-toggle[aria-expanded="true"] + .qa-answer{display:block;animation:panelIn .25s ease}
.link-arrow{display:inline-block;margin-top:10px;font-weight:600}
.link-arrow:after{content:" \2192"}
@media (max-width:900px){.guides{grid-template-columns:1fr}}
@media (max-width:520px){.guide-row{grid-template-columns:96px 1fr;gap:14px;padding:12px}.guide-row .gimg{aspect-ratio:1/1}}

/* footer: white button keeps dark text */
.site-footer .btn-light,.site-footer .btn-light:hover{color:var(--teal)}

/* answers hub */
.answers-layout{display:grid;grid-template-columns:300px 1fr;gap:40px;align-items:start}
.toc{position:sticky;top:92px;max-height:calc(100vh - 110px);overflow:auto;padding-right:6px}
.toc .search-box{margin-bottom:14px}
.toc-list{list-style:none;margin:0;padding:0;display:grid;gap:2px;font-size:.9rem}
.toc-group{font-size:.72rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin:14px 0 4px}
.toc-list a{display:block;padding:6px 10px;border-radius:10px;color:var(--ink-2);line-height:1.35}
.toc-list a:hover{background:var(--sage-soft);text-decoration:none;color:var(--ink)}
.toc-list a.active{background:var(--teal);color:#fff}
.toc-list li[hidden]{display:none}
.qa-list{display:grid;gap:16px}
.qa{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;scroll-margin-top:96px}
.qa[hidden]{display:none}
.qa h2{font-size:clamp(1.25rem,2.2vw,1.55rem);margin:12px 0 12px}
.qa .answer{margin-bottom:14px}
.qa ul{margin:0 0 12px;padding-left:20px;color:var(--ink-2)}
.qa li{margin-bottom:4px}
.qa table{margin:4px 0 14px}
.qa-foot{font-size:.84rem;color:var(--muted);margin:6px 0 0}
.qa:target{border-color:var(--teal);box-shadow:0 0 0 2px var(--teal)}
.qa-empty{padding:20px;border:1px dashed var(--line);border-radius:var(--radius);color:var(--muted)}
@media (max-width:900px){.answers-layout{grid-template-columns:1fr}.toc{position:static;max-height:none}.toc-list{display:none}.qa{padding:20px}}

/* Home hero: full-bleed, fills the first screen below the sticky header (3 Nov 2026) */
.hero-dark{padding:0}
.hero-dark>.wrap{width:100%}
.hero-dark .hero-panel{--hero-x:max(48px,calc((100% - 1180px)/2 + 48px));border-radius:0;min-height:calc(100vh - var(--header-h,73px));min-height:calc(100svh - var(--header-h,73px));padding:72px var(--hero-x) 64px;align-content:end}
.hero-dark .hero-stat{top:56px;right:var(--hero-x)}
.hero-dark .hero-scroll{right:var(--hero-x);bottom:40px}
@media (max-width:800px){.hero-dark .hero-panel{--hero-x:22px;padding:120px 22px 40px}.hero-dark .hero-stat{top:28px}}

/* Hero stat: frosted badge with the numeral in a ring (3 Nov 2026) */
.hero-dark .hero-stat{display:flex;align-items:center;gap:14px;padding:12px 20px 12px 12px;border-radius:999px;background:rgba(6,13,15,.38);border:1px solid rgba(255,255,255,.16);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);box-shadow:0 10px 30px rgba(0,0,0,.25);text-align:left}
.hero-dark .hero-stat strong{display:grid;place-items:center;flex:none;width:52px;height:52px;border-radius:50%;border:1.5px solid var(--bright);background:rgba(103,198,201,.14);color:#fff;font-size:1.7rem;line-height:1}
.hero-dark .hero-stat span{display:block;font-size:.88rem;line-height:1.35;font-weight:500;color:#E4EFF1}
@media (max-width:800px){.hero-dark .hero-stat{left:22px;right:auto;top:24px;padding:8px 16px 8px 8px;gap:10px}.hero-dark .hero-stat strong{width:40px;height:40px;font-size:1.3rem}.hero-dark .hero-stat span{font-size:.8rem}}

/* Hero stat replaces the eyebrow line: inline badge above the headline (3 Nov 2026) */
.hero-dark .hero-stat{position:static;display:inline-flex;margin:0 0 22px;padding:8px 20px 8px 8px}
.hero-dark .hero-stat strong{width:44px;height:44px;font-size:1.4rem}
.hero-dark .hero-stat span{font-size:.78rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:#E4EFF1}
.hero-dark .hero-stat em{display:block;font-style:normal;font-weight:500;letter-spacing:0;text-transform:none;font-size:.9rem;color:#A9C4C7;margin-top:2px}
@media (max-width:800px){.hero-dark .hero-panel{padding-top:56px}.hero-dark .hero-stat{padding:6px 14px 6px 6px;margin-bottom:18px;border-radius:22px}.hero-dark .hero-stat strong{width:36px;height:36px;font-size:1.15rem}.hero-dark .hero-stat span{font-size:.7rem}.hero-dark .hero-stat em{font-size:.82rem}}