:root{
  --navy:#010f1d; --navy-2:#071a2f; --navy-3:#0d2744;
  --cream:#fbefd9; --ink:#0a1f36; --ink-soft:#44566d;
  --orange:#fea539; --orange-deep:#c9680f; --green:#9ebe23;
  --text:#f5f7fb; --muted:#aebbd0;
  --line:rgba(255,255,255,.13); --line-ink:rgba(10,31,54,.18);
  --head:"Bricolage Grotesque","Inter",system-ui,sans-serif;
  --body:"Figtree","Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --gable:polygon(50% 0,100% 14%,100% 100%,0 100%,0 14%);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--navy);color:var(--text);font:400 18px/1.6 var(--body);-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:inherit}
h1,h2,h3{font-family:var(--head);margin:0;text-wrap:balance}
p{margin:0}
.wrap{width:min(1160px,100% - 40px);margin-inline:auto}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px;border-radius:6px}
.skip{position:absolute;left:-999px;top:8px;background:var(--cream);color:var(--ink);padding:10px 16px;border-radius:8px;z-index:100}
.skip:focus{left:8px}
section[id],article[id]{scroll-margin-top:90px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 26px;border-radius:999px;font:700 1rem/1.2 var(--body);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background-color .15s,border-color .15s,color .15s}
.btn svg{width:20px;height:20px;flex:none}
.btn-primary{background:var(--green);color:#06121f}
.btn-primary:hover{background:#b3d52e}
.btn-ghost{border-color:rgba(255,255,255,.3);color:var(--text)}
.btn-ghost:hover{border-color:var(--cream);color:var(--cream)}
.btn-dark{background:var(--ink);color:var(--cream)}
.btn-dark:hover{background:#12304f}
.btn-sm{padding:10px 18px;font-size:.95rem}

/* nav */
.nav{position:sticky;top:0;z-index:50;background:rgba(1,15,29,.92);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;height:76px}
.brand img{height:56px;width:auto}
.nav-cta{display:flex;align-items:center;gap:14px}
.ig{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;border:1.5px solid rgba(255,255,255,.28);color:var(--text);transition:border-color .15s,color .15s,background-color .15s}
.ig:hover{border-color:var(--orange);color:var(--orange)}
.ig svg{width:21px;height:21px}
.menu-btn{display:none;align-items:center;justify-content:center;width:44px;height:44px;border-radius:12px;border:1.5px solid rgba(255,255,255,.28);background:transparent;color:var(--text);cursor:pointer}
.menu-btn svg{width:24px;height:24px}
.menu-btn .x{display:none}
.menu-btn[aria-expanded="true"] .bars{display:none}
.menu-btn[aria-expanded="true"] .x{display:block}

/* hero (home) */
.hero{position:relative;padding:76px 0 150px;overflow:hidden;
  background:
   radial-gradient(720px 440px at 6% 0%,rgba(254,165,57,.17),transparent 70%),
   radial-gradient(640px 500px at 100% 95%,rgba(158,190,35,.13),transparent 70%),
   var(--navy)}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:56px;align-items:center}
h1{font-weight:800;font-size:clamp(2.8rem,6.6vw,5.2rem);line-height:1;letter-spacing:-.035em;color:var(--cream);margin-bottom:24px}
.lede{font-size:1.22rem;color:var(--muted);max-width:33em;margin-bottom:34px}
.actions{display:flex;flex-wrap:wrap;gap:14px}
.licensed{margin-top:34px;display:flex;align-items:center;gap:12px;color:var(--muted);font-size:.98rem}
.licensed svg{width:26px;height:26px;color:var(--green);flex:none}

.duo{display:grid;grid-template-columns:1fr 1fr;gap:18px;align-items:start}
.duo figure{margin:0;animation:rise .85s cubic-bezier(.2,.7,.2,1) both}
.duo figure:nth-child(2){margin-top:48px;animation-delay:.14s}
@keyframes rise{from{opacity:0;transform:translateY(30px)}to{opacity:1;transform:none}}
.house{position:relative;filter:drop-shadow(0 26px 28px rgba(0,0,0,.45))}
.house .frame{aspect-ratio:4/5;clip-path:var(--gable);background:var(--cream)}
.house .frame img{width:100%;height:100%;object-fit:cover}
.house svg{position:absolute;inset:0;width:100%;height:100%;overflow:visible;pointer-events:none}
.duo figcaption{padding:16px 2px 0}
.duo figcaption strong{display:block;font:800 1.3rem/1.15 var(--head);color:var(--cream)}
.duo figcaption span{color:var(--muted);font-size:.95rem}

/* page header (inner pages) */
.page-head{position:relative;padding:84px 0 150px;overflow:hidden;
  background:
   radial-gradient(640px 380px at 4% 0%,rgba(254,165,57,.15),transparent 70%),
   radial-gradient(560px 420px at 100% 100%,rgba(158,190,35,.11),transparent 70%),
   var(--navy)}
.page-head h1{font-size:clamp(2.6rem,6vw,4.6rem);margin-bottom:18px}
.page-head .lede{margin-bottom:0}
.crumb{display:flex;gap:10px;align-items:center;margin-bottom:22px;font-size:.95rem;color:var(--muted)}
.crumb a{text-decoration:none;border-bottom:1px solid rgba(255,255,255,.25)}
.crumb a:hover{color:var(--cream);border-color:var(--cream)}
.crumb span[aria-hidden]{opacity:.5}

/* bands */
.band{position:relative;padding:104px 0 100px}
.band.before-cream{padding-bottom:140px}
.band.tight-top{padding-top:72px}
.cream{background:var(--cream);color:var(--ink)}
.cream::before{content:"";position:absolute;left:50%;top:-88px;width:min(520px,76vw);height:89px;background:var(--cream);transform:translateX(-50%);clip-path:polygon(0 100%,50% 0,100% 100%)}
.cream.flat::before{display:none}
.deep{background:var(--navy-2)}
h2{font-weight:800;font-size:clamp(2.1rem,4.6vw,3.3rem);line-height:1.04;letter-spacing:-.03em;margin-bottom:16px}
.intro{max-width:36em;font-size:1.15rem}
.cream .intro{color:var(--ink-soft)}
.band:not(.cream) .intro{color:var(--muted)}
.h1-md{font-size:clamp(2.1rem,4.6vw,3.3rem);line-height:1.04;letter-spacing:-.03em;margin-bottom:16px}
.link-arrow{display:inline-flex;align-items:center;gap:8px;font-weight:700;text-decoration:none;color:var(--orange-deep)}
.link-arrow::after{content:"→";transition:transform .15s}
.link-arrow:hover::after{transform:translateX(4px)}
.deep .link-arrow,.navy-band .link-arrow{color:var(--orange)}

/* services rows */
.rows{margin-top:48px;border-top:1px solid var(--line-ink)}
.row{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.25fr);gap:20px 56px;padding:38px 0;border-bottom:1px solid var(--line-ink)}
.row h3{font-weight:800;font-size:clamp(1.55rem,2.7vw,2.15rem);line-height:1.1;letter-spacing:-.02em;display:flex;gap:16px;align-items:flex-start}
.row h3 svg{flex:none;width:34px;height:34px;color:var(--orange-deep);margin-top:2px}
.row p{color:var(--ink-soft);margin-bottom:16px;max-width:34em}
.row ul{margin:0;padding:0;list-style:none;display:grid;gap:9px}
.row li{display:flex;gap:12px;align-items:flex-start}
.row li::before{content:"";flex:none;width:9px;height:9px;margin-top:.6em;border-radius:2px;background:var(--green);transform:rotate(45deg)}
.more{margin-top:40px;display:flex;flex-wrap:wrap;align-items:center;gap:18px 28px;font-size:1.1rem}

/* home cards */
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin-top:48px}
.card{display:flex;flex-direction:column;gap:12px;padding:30px 28px 26px;background:#fff;border:1px solid var(--line-ink);border-radius:22px;text-decoration:none;color:var(--ink);transition:transform .18s,box-shadow .18s,border-color .18s}
.card:hover{transform:translateY(-4px);box-shadow:0 18px 34px rgba(10,31,54,.13);border-color:rgba(201,104,15,.5)}
.card svg.ico{width:34px;height:34px;color:var(--orange-deep)}
.card h3{font-weight:800;font-size:1.45rem;line-height:1.12;letter-spacing:-.02em}
.card p{color:var(--ink-soft);font-size:1.02rem}
.card .link-arrow{margin-top:auto;padding-top:6px}

/* how it works */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));margin-top:52px}
.step{padding:0 36px 0 0}
.step + .step{padding-left:36px;border-left:1px solid var(--line)}
.step b{display:block;font:800 4.4rem/1 var(--head);color:transparent;-webkit-text-stroke:1.6px var(--orange);margin-bottom:18px}
.step h3{font-weight:800;font-size:1.5rem;line-height:1.15;color:var(--cream);margin-bottom:10px}
.step p{color:var(--muted)}
.cream .step + .step{border-left-color:var(--line-ink)}
.cream .step b{-webkit-text-stroke-color:var(--orange-deep)}
.cream .step h3{color:var(--ink)}
.cream .step p{color:var(--ink-soft)}
.steps.big b{font-size:5.6rem}
.steps.big h3{font-size:1.75rem}

/* faq */
.faq{margin-top:44px;max-width:50rem;border-top:1px solid var(--line-ink)}
.faq details{border-bottom:1px solid var(--line-ink)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:24px 0;font:700 1.2rem/1.3 var(--head)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";flex:none;font:500 1.9rem/1 var(--body);color:var(--orange-deep);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding:0 0 24px;color:var(--ink-soft);max-width:38em}

/* testimonials */
.stars{display:flex;gap:3px;color:var(--orange)}
.stars svg{width:20px;height:20px}
.rating-sum{display:flex;flex-wrap:wrap;align-items:center;gap:14px 28px;margin-top:6px}
.rating-sum .big{font:800 3.4rem/1 var(--head);letter-spacing:-.03em;color:var(--ink)}
.rating-sum .stars svg{width:26px;height:26px}
.rating-sum p{color:var(--ink-soft);font-size:1.05rem}
.filters{display:flex;flex-wrap:wrap;gap:10px;margin:36px 0 34px}
.chip{font:700 .98rem/1 var(--body);padding:12px 20px;border-radius:999px;border:1.5px solid var(--line-ink);background:transparent;color:var(--ink);cursor:pointer;transition:background-color .15s,border-color .15s,color .15s}
.chip:hover{border-color:var(--ink)}
.chip[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:var(--cream)}
.reviews{column-width:330px;column-gap:22px}
.review{break-inside:avoid;display:inline-block;width:100%;margin:0 0 22px;padding:28px 28px 24px;background:#fff;border:1px solid var(--line-ink);border-radius:22px;color:var(--ink)}
.review[hidden]{display:none}
.review .stars{margin-bottom:16px}
.review blockquote{margin:0;position:relative}
.review blockquote p{color:var(--ink);font-size:1.04rem;line-height:1.6}
.review blockquote p + p{margin-top:12px}
.review figcaption{display:flex;align-items:center;gap:14px;margin-top:22px;padding-top:18px;border-top:1px solid var(--line-ink)}
.avatar{flex:none;width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:var(--cream);font:800 1.05rem/1 var(--head)}
.who strong{display:block;font:800 1.08rem/1.2 var(--head);color:var(--ink)}
.who > span{display:block;font-size:.92rem;color:var(--ink-soft)}
.tag{display:inline-block;margin-left:6px;padding:2px 10px;border-radius:999px;background:#d8efff;color:#0a3a5c;font-size:.8rem;font-weight:700;vertical-align:1px}
.review.feature{padding-top:34px}
.review.feature::before{content:"\201C";position:absolute;top:2px;left:24px;font:800 4.6rem/1 var(--head);color:var(--orange)}
.review.feature{position:relative}
.review.feature .stars{margin-left:56px;margin-top:-8px}
.featured{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px;margin-top:48px;align-items:stretch}
.featured .review{display:flex;flex-direction:column;margin:0}
.featured .review figcaption{margin-top:auto}
.featured .review blockquote{margin-bottom:22px}
.empty{display:none;padding:26px;border:1.5px dashed var(--line-ink);border-radius:18px;color:var(--ink-soft)}

/* cta band */
.cta{text-align:center}
.cta h2{margin-inline:auto;max-width:18em}
.cta .intro{margin:0 auto 32px}
.cta .actions{justify-content:center}

/* contact */
.contact{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.95fr);gap:56px;align-items:start}
.people{margin-top:36px;border-top:1px solid var(--line)}
.person{display:grid;gap:10px 18px;padding:26px 0;border-bottom:1px solid var(--line)}
.person h3{font-weight:800;font-size:1.55rem;line-height:1.1;color:var(--cream)}
.lic{display:inline-flex;width:max-content;max-width:100%;align-items:center;gap:8px;padding:5px 14px;border:1.5px solid var(--green);border-radius:999px;font-size:.92rem;color:var(--muted)}
.lic b{color:var(--green);font-weight:700}
.person .actions{gap:10px}
.mail{margin-top:24px;display:flex;align-items:center;gap:12px;font-size:1.1rem}
.mail svg{width:24px;height:24px;color:var(--orange);flex:none}
.mail a{font-weight:700;text-decoration:none;border-bottom:2px solid var(--orange)}
.social{margin-top:14px;display:flex;align-items:center;gap:12px;font-size:1.1rem}
.social svg{width:24px;height:24px;color:var(--orange);flex:none}
.social a{font-weight:700;text-decoration:none;border-bottom:2px solid var(--orange)}
.areas{margin-top:14px;color:var(--muted)}
.panel{background:var(--navy-3);border:1px solid var(--line);border-radius:26px;padding:clamp(24px,4vw,40px)}
.panel h2{font-weight:800;font-size:1.8rem;line-height:1.1;letter-spacing:-.02em;color:var(--cream);margin-bottom:22px}
.panel label{display:block;font-weight:700;font-size:.95rem;margin-bottom:16px}
.panel input,.panel select,.panel textarea{display:block;width:100%;margin-top:7px;padding:13px 15px;font:400 1rem/1.4 var(--body);color:var(--text);background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.22);border-radius:12px}
.panel select option{color:#111;background:#fff}
.panel input:focus,.panel select:focus,.panel textarea:focus{outline:3px solid var(--orange);outline-offset:1px}
.panel .btn{width:100%;margin-top:6px}
.fine{margin-top:16px;font-size:.88rem;line-height:1.5;color:var(--muted)}

/* footer */
.foot{background:var(--navy);border-top:1px solid var(--line);padding:56px 0 40px;font-size:.95rem;color:var(--muted)}
.foot .top{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:26px 40px;margin-bottom:30px}
.foot .logos{display:flex;flex-wrap:wrap;align-items:center;gap:22px 34px}
.foot .logos img{height:64px;width:auto}
.foot .logos .dlc{height:60px;border-radius:3px}
.foot nav ul{display:flex;flex-wrap:wrap;gap:10px 24px;list-style:none;margin:0;padding:0}
.foot nav a{text-decoration:none;color:var(--text);font-weight:500}
.foot nav a:hover{color:var(--orange)}
.foot nav a.ig-link{display:inline-flex;align-items:center;gap:8px}
.foot nav a.ig-link svg{width:18px;height:18px}
.foot strong{display:block;color:var(--green);font:800 1.15rem/1.3 var(--head);margin-bottom:2px}
.foot p + p{margin-top:12px}
.foot small{display:block;margin-top:24px;font-size:.85rem}

/* mobile call bar */
.callbar{display:none}

@media (max-width:1040px){
}
@media (max-width:900px){
  .hero{padding:48px 0 130px}
  .page-head{padding:56px 0 130px}
  .hero .wrap,.contact{grid-template-columns:minmax(0,1fr)}
  .hero .wrap{gap:44px}
  .duo{max-width:460px}
  .row{grid-template-columns:minmax(0,1fr);gap:16px}
  .steps{grid-template-columns:minmax(0,1fr);gap:34px}
  .step,.step + .step{padding:0;border-left:0}
  .step + .step{padding-top:34px;border-top:1px solid var(--line)}
  .cream .step + .step{border-top-color:var(--line-ink)}
  .cards,.featured{grid-template-columns:minmax(0,1fr)}
  .band{padding:88px 0 76px}
  .nav .wrap{height:68px}
  .brand img{height:48px}
  .menu-btn{display:inline-flex}
  .nav-cta{margin-left:auto}
}
@media (max-width:760px){
  body{padding-bottom:76px}
  .callbar{display:grid;grid-template-columns:1fr 1fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(1,15,29,.96);border-top:1px solid var(--line)}
  .callbar .btn{padding:13px 10px;font-size:.98rem}
}
@media (max-width:560px){
  .nav-cta .btn{display:none}
}
@media (max-width:520px){
  body{font-size:17px}
  .wrap{width:min(1160px,100% - 32px)}
  .actions .btn{flex:1 1 100%}
  .person .actions .btn{flex:1 1 auto}
  .duo{gap:12px}
  .duo figure:nth-child(2){margin-top:32px}
  .duo figcaption strong{font-size:1.1rem}
  .reviews{column-width:auto;column-count:1}
  .rating-sum .big{font-size:2.8rem}
}
@media (prefers-reduced-motion:reduce){
  .duo figure{animation:none}
  .card,.card:hover{transition:none;transform:none}
}

/* ===== v3: header with 8 tabs ===== */
@media (max-width:1180px){
  .nav .wrap{height:68px}
  .brand img{height:48px}
  .menu-btn{display:inline-flex}
  .nav-cta{margin-left:auto}
}

/* ===== v3: shared bits on cream ===== */
.cream .btn-ghost{border-color:rgba(10,31,54,.3);color:var(--ink)}
.cream .btn-ghost:hover{border-color:var(--ink);color:var(--ink)}
.cream .lic{color:var(--ink-soft)}
.cream .lic b{color:#5d7510}
.hero .link-arrow,.band:not(.cream) .link-arrow{color:var(--orange)}
div.card:hover{transform:none;box-shadow:none;border-color:var(--line-ink)}

/* ===== v3: who we are ===== */
.team{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:56px}
.member{display:flex;flex-direction:column;align-items:flex-start;gap:12px}
.member .house{width:min(100%,380px);margin-bottom:12px}
.member h2{margin:0;font-size:clamp(1.9rem,3.4vw,2.5rem)}
.member .role{color:var(--ink-soft);font-size:1.08rem}
.member .bio p{color:var(--ink-soft);max-width:34em}
.member .bio p + p{margin-top:12px}
.member .actions{margin-top:10px}
.story{margin-top:64px;max-width:44em}
.story p{color:var(--ink-soft)}

/* ===== v3: lenders ===== */
.jump{display:flex;flex-wrap:wrap;gap:10px}
.jump a{padding:10px 18px;border-radius:999px;border:1.5px solid var(--line-ink);color:var(--ink);text-decoration:none;font-weight:700;font-size:.95rem;transition:background-color .15s,color .15s,border-color .15s}
.jump a:hover{background:var(--ink);border-color:var(--ink);color:var(--cream)}
.row.cat h3{font-size:clamp(1.5rem,2.5vw,2rem)}
.tiles{display:flex!important;flex-wrap:wrap;gap:12px!important;margin-top:4px}
.row .tiles li.tile::before{display:none}
.tile{padding:14px 26px;border-radius:16px;background:#fff;border:1px solid var(--line-ink);font:800 1.15rem/1.2 var(--head);letter-spacing:-.01em;color:var(--ink);min-width:120px;text-align:center}
.tile.soft{background:transparent;border-style:dashed;font:600 1rem/1.3 var(--body);color:var(--ink-soft)}
.disclaimer{margin-top:34px;max-width:52em;font-size:.88rem;line-height:1.55;color:var(--ink-soft)}

/* ===== v3: rates ===== */
.rate-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:22px}
.rate-card{border-radius:26px;padding:clamp(24px,4vw,38px)}
.rate-card .label,.latest .label{font-weight:700;letter-spacing:.07em;text-transform:uppercase;font-size:.82rem;margin-bottom:6px}
.rate-card.dark{position:relative;overflow:hidden;background:radial-gradient(420px 260px at 100% 0%,rgba(254,165,57,.2),transparent 70%),var(--navy);color:var(--text)}
.rate-card.dark .label{color:var(--muted)}
.rate-big{font:800 clamp(4rem,11vw,6.6rem)/1 var(--head);letter-spacing:-.045em;color:var(--cream);margin:6px 0 10px}
.rate-card .sub{color:var(--muted)}
.rate-card.light{background:#fff;border:1px solid var(--line-ink);color:var(--ink);display:flex;flex-direction:column;align-items:flex-start;gap:10px}
.rate-card.light .label{color:var(--ink-soft)}
.rate-card.light .sub{color:var(--ink-soft)}
.rate-card.light .btn{margin-top:auto}
.next-date{font:800 clamp(1.7rem,3.2vw,2.3rem)/1.1 var(--head);letter-spacing:-.02em}
.count{display:inline-block;padding:5px 15px;border-radius:999px;background:var(--navy);color:var(--cream);font-weight:700;font-size:.95rem}
.live-badge{display:inline-flex;flex-wrap:wrap;align-items:center;gap:8px;margin-top:18px;padding:8px 15px;border-radius:999px;border:1px solid var(--line);font-size:.9rem;color:var(--muted)}
.live-badge.ok{border-color:rgba(158,190,35,.6);color:#d8e9a0}
.live-badge a{color:var(--orange)}
.dot{width:9px;height:9px;border-radius:50%;background:var(--green);animation:pulse 2s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(158,190,35,.6)}70%{box-shadow:0 0 0 9px rgba(158,190,35,0)}100%{box-shadow:0 0 0 0 rgba(158,190,35,0)}}
.latest{margin-top:22px;padding:28px 30px;border-radius:22px;background:var(--ink);color:var(--text)}
.latest[hidden]{display:none}
.latest .label{color:var(--muted)}
.latest .sub-h{color:var(--cream);margin-bottom:12px}
.latest p{color:var(--muted);max-width:48em}
.latest .chips-line{margin-bottom:12px;color:var(--text);font-weight:700}
.latest .link-arrow{margin-top:14px}
.explain{margin-top:22px;padding:28px 30px;border-radius:22px;background:#fff;border:1px solid var(--line-ink)}
.explain ul{margin:0 0 6px;padding-left:1.2em;display:grid;gap:12px;color:var(--ink-soft)}
.explain li b{color:var(--ink)}
.sub-h{font:800 clamp(1.4rem,2.4vw,1.8rem)/1.15 var(--head);letter-spacing:-.02em;margin:0 0 16px}
.two-col{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:28px;align-items:start}
.tblwrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line-ink);border-radius:18px;background:#fff}
.tbl{width:100%;border-collapse:collapse;font-size:1rem}
.tbl th,.tbl td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line-ink);white-space:nowrap}
.tbl thead th{font-size:.78rem;text-transform:uppercase;letter-spacing:.07em;color:var(--ink-soft);background:rgba(10,31,54,.04)}
.tbl tbody th{font-weight:700;color:var(--ink)}
.tbl tbody tr:last-child>*{border-bottom:0}
.tbl tr.next>*{background:rgba(158,190,35,.16)}
.pill{display:inline-block;margin-left:8px;padding:2px 10px;border-radius:999px;background:var(--green);color:#06121f;font-size:.75rem;font-weight:800;letter-spacing:.03em;text-transform:uppercase;vertical-align:1px}
.dec{display:inline-flex;gap:6px;align-items:center;padding:3px 12px;border-radius:999px;font-weight:700;font-size:.9rem}
.dec.up{background:#fde6c8;color:#8a4a07}
.dec.down{background:#e1efb8;color:#44570a}
.dec.hold{background:#e8edf3;color:#44566d}
.latest .dec.up{background:#fde6c8}
.latest .to{color:var(--cream);font-weight:800}
.mini{font-size:.85rem;margin-left:8px;color:var(--orange-deep);font-weight:700}
.note-sm{margin-top:12px;font-size:.88rem;color:var(--ink-soft)}
.source-note{margin-top:44px;max-width:56em;font-size:.88rem;line-height:1.55;color:var(--ink-soft)}
.source-note a{color:var(--ink)}
.chart-box{background:#fff;border:1px solid var(--line-ink);border-radius:22px;padding:18px 18px 8px}
.chart-box svg{width:100%;height:auto;overflow:visible}
.chart-box .grid{stroke:rgba(10,31,54,.12);stroke-width:1}
.chart-box .ax{fill:#44566d;font:500 12px var(--body)}
.chart-box .line{fill:none;stroke:var(--orange-deep);stroke-width:3;stroke-linejoin:round}
.chart-box .end{fill:var(--orange-deep)}
.chart-box .endl{fill:var(--ink);font:800 15px var(--head)}
[hidden]{display:none!important}

@media (max-width:900px){
  .team,.rate-grid,.two-col{grid-template-columns:minmax(0,1fr)}
  .team{gap:44px}
  .tile{flex:1 1 calc(50% - 12px);min-width:0}
}
@media (max-width:520px){
  .tbl th,.tbl td{padding:12px 14px}
  .latest,.explain{padding:22px 20px}
}
@media (prefers-reduced-motion:reduce){.dot{animation:none}}


/* ===== v4: nav with dropdown ===== */
.nav #site-menu{display:flex;align-items:center;gap:24px;list-style:none;margin:0 0 0 auto;padding:0}
.nav #site-menu a,.nav .sub-btn{position:relative;text-decoration:none;color:var(--muted);font:500 .98rem/1.4 var(--body);padding:6px 0;background:none;border:0;cursor:pointer;display:inline-flex;align-items:center;gap:6px}
.nav #site-menu a:hover,.nav .sub-btn:hover{color:var(--text)}
.nav #site-menu a[aria-current="page"],.nav .has-sub.cur>.sub-btn{color:var(--cream)}
.nav #site-menu>li>a[aria-current="page"]::after,.nav .has-sub.cur>.sub-btn::after{content:"";position:absolute;left:0;right:0;bottom:-4px;height:2px;border-radius:2px;background:var(--orange)}
.sub-btn svg{width:14px;height:14px;transition:transform .15s}
.has-sub.open>.sub-btn svg{transform:rotate(180deg)}
.has-sub{position:relative}
.nav .sub{display:none;position:absolute;top:calc(100% + 12px);left:-16px;min-width:290px;margin:0;padding:8px;list-style:none;flex-direction:column;gap:0;background:#0a1d33;border:1px solid var(--line);border-radius:16px;box-shadow:0 22px 44px rgba(0,0,0,.5)}
.nav .sub::before{content:"";position:absolute;top:-14px;left:0;right:0;height:14px}
.has-sub.open>.sub{display:flex}
.nav .sub a{display:block;width:100%;padding:11px 14px;border-radius:10px;white-space:nowrap}
.nav .sub a:hover{background:rgba(255,255,255,.07)}
.nav .sub a[aria-current="page"]{color:var(--orange)}
@media (max-width:1180px){
  .nav #site-menu{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;margin:0;padding:8px 20px 18px;background:#010f1d;border-bottom:1px solid var(--line);max-height:calc(100vh - 68px);overflow:auto}
  .nav #site-menu.open{display:flex}
  .nav #site-menu a,.nav .sub-btn{display:flex;width:100%;justify-content:space-between;padding:15px 0;font-size:1.1rem;border-bottom:1px solid var(--line)}
  .nav #site-menu>li:last-child>a{border-bottom:0}
  .nav #site-menu>li>a[aria-current="page"]::after,.nav .has-sub.cur>.sub-btn::after{display:none}
  .nav #site-menu a[aria-current="page"],.nav .has-sub.cur>.sub-btn{color:var(--orange)}
  .nav .sub{position:static;min-width:0;padding:0 0 6px 14px;background:none;border:0;box-shadow:none;border-radius:0}
  .nav .sub::before{display:none}
  .nav .sub a{border-bottom:0;padding:11px 0;font-size:1.02rem;white-space:normal}
}
@media (max-width:520px){.nav #site-menu{padding-inline:16px}}

/* ===== v4: rate bar ===== */
.ratebar{background:var(--navy-3);border-bottom:1px solid var(--line);font-size:.9rem;line-height:1.3}
.ratebar[hidden]{display:none}
.ratebar a{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:4px 10px;padding:8px 20px;color:var(--muted);text-decoration:none}
.ratebar b{color:var(--cream);font-weight:800;font-size:1rem}
.ratebar .rb-go{color:var(--orange);font-weight:700}
.ratebar a:hover .rb-go{text-decoration:underline}
@media (max-width:560px){.ratebar .rb-l,.ratebar .rb-sep{display:none}.ratebar a{padding:8px 14px;font-size:.85rem}}

/* ===== v4: calculators ===== */
.tabs{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:26px}
.tab{font:700 1.02rem/1 var(--body);padding:14px 24px;border-radius:999px;border:1.5px solid var(--line-ink);background:transparent;color:var(--ink);cursor:pointer;transition:background-color .15s,color .15s,border-color .15s}
.tab:hover{border-color:var(--ink)}
.tab[aria-selected="true"]{background:var(--ink);border-color:var(--ink);color:var(--cream)}
.calc{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:26px;align-items:start}
.calc[hidden]{display:none}
.calc-form{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px 18px;padding:clamp(22px,3.4vw,32px);background:#fff;border:1px solid var(--line-ink);border-radius:24px}
.fld{display:flex;flex-direction:column;gap:7px;font-weight:700;font-size:.95rem;color:var(--ink)}
.fld.wide,.chk.wide{grid-column:1/-1}
.fld .in{display:flex;align-items:center;gap:8px;padding:0 14px;border:1.5px solid rgba(10,31,54,.28);border-radius:12px;background:#fff}
.fld .in:focus-within{outline:3px solid var(--orange);outline-offset:1px}
.fld .in i{font-style:normal;color:var(--ink-soft);font-weight:600}
.fld input,.fld select{width:100%;min-width:0;padding:13px 0;border:0;background:transparent;font:500 1.05rem/1.2 var(--body);color:var(--ink);outline:none}
.fld select{padding:12px 0}
.hint{font-weight:500;font-size:.84rem;line-height:1.4;color:var(--ink-soft)}
.chk{display:flex;gap:12px;align-items:flex-start;font-weight:500;font-size:.95rem;color:var(--ink-soft);cursor:pointer}
.chk input{flex:none;width:22px;height:22px;margin-top:2px;accent-color:var(--ink)}
.calc-result{position:sticky;top:96px;padding:clamp(24px,3.6vw,34px);border-radius:26px;background:radial-gradient(380px 240px at 100% 0%,rgba(254,165,57,.2),transparent 70%),var(--navy);color:var(--text)}
.calc-label{font-weight:700;letter-spacing:.07em;text-transform:uppercase;font-size:.8rem;color:var(--muted)}
.calc-big{font:800 clamp(2.6rem,6vw,4rem)/1.05 var(--head);letter-spacing:-.03em;color:var(--cream);margin:8px 0 6px;overflow-wrap:anywhere}
.calc-note,.calc-empty{color:var(--muted);font-size:.98rem}
.calc-notes{margin:12px 0 0;padding:12px 16px 12px 34px;border-radius:14px;background:rgba(254,165,57,.14);color:#ffd9a8;font-size:.92rem;display:grid;gap:6px}
.calc-rows{margin:20px 0 0;border-top:1px solid var(--line)}
.calc-rows div{display:flex;justify-content:space-between;gap:18px;padding:12px 0;border-bottom:1px solid var(--line);font-size:.98rem}
.calc-rows dt{color:var(--muted)}
.calc-rows dd{margin:0;font-weight:700;color:var(--text);text-align:right;white-space:nowrap}

/* ===== v4: articles / guides ===== */
.article{max-width:46rem}
.article h2{font-size:clamp(1.5rem,2.8vw,2rem);letter-spacing:-.02em;margin:46px 0 12px}
.article p{color:var(--ink-soft);margin:0 0 14px}
.article ul,.article ol{margin:0 0 16px;padding-left:1.3em;display:grid;gap:9px;color:var(--ink-soft)}
.article li b{color:var(--ink)}
.article a{color:var(--ink);text-decoration-color:var(--orange-deep);text-underline-offset:3px}
.article a:hover{color:var(--orange-deep)}
.key{padding:22px 26px;border-radius:20px;background:#fff;border:1px solid var(--line-ink);border-left:6px solid var(--green)}
.key b{display:block;font:800 1.15rem/1.2 var(--head);color:var(--ink);margin-bottom:10px}
.key ul{margin:0;color:var(--ink-soft)}
.steps-list{list-style:decimal}

/* ===== v4: news ===== */
.news-top{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px 22px;margin-bottom:26px}
.news-status{color:var(--ink-soft);font-size:.92rem}
.news-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.ncard{display:flex;flex-direction:column;gap:10px;padding:24px;background:#fff;border:1px solid var(--line-ink);border-radius:20px}
.ncard .meta{display:flex;flex-wrap:wrap;justify-content:space-between;gap:6px 12px;font-size:.84rem;color:var(--ink-soft)}
.ncard .src{font-weight:800;color:var(--orange-deep);letter-spacing:.03em;text-transform:uppercase;font-size:.78rem}
.ncard h3{font:800 1.12rem/1.3 var(--head);letter-spacing:-.01em}
.ncard h3 a{text-decoration:none;color:var(--ink)}
.ncard h3 a:hover{color:var(--orange-deep)}
.ncard .sum{color:var(--ink-soft);font-size:.97rem}
.ncard .link-arrow{margin-top:auto;padding-top:4px;font-size:.92rem}
.empty{margin-top:12px}

/* ===== v4: events ===== */
.events{display:grid;gap:30px}
.event{padding:clamp(22px,3.6vw,34px);background:#fff;border:1px solid var(--line-ink);border-radius:24px}
.event[hidden]{display:none}
.event header .when{color:var(--ink-soft);font-weight:600;margin:0 0 8px}
.event header p{color:var(--ink-soft)}
.event .sub-h{display:inline;margin:0 0 0 8px}
.gallery{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:12px;margin-top:20px}
.ph{display:block;border-radius:14px;overflow:hidden;aspect-ratio:4/3;background:var(--cream)}
.ph img{width:100%;height:100%;object-fit:cover;transition:transform .25s}
.ph:hover img{transform:scale(1.04)}
.videos{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px;margin-top:20px}
.vid{aspect-ratio:16/9;border-radius:16px;overflow:hidden;background:#000}
.vid iframe,.vid video{width:100%;height:100%;border:0;display:block}
#lightbox{max-width:min(94vw,1100px);max-height:92vh;padding:0;border:0;border-radius:18px;background:#000;color:#fff;overflow:hidden}
#lightbox::backdrop{background:rgba(1,15,29,.88)}
#lightbox img{max-width:100%;max-height:90vh;margin:auto}
.lb-close,.lb-nav{position:absolute;z-index:2;width:46px;height:46px;border-radius:50%;border:0;background:rgba(1,15,29,.7);color:#fff;font-size:1.9rem;line-height:1;cursor:pointer}
.lb-close{top:12px;right:12px}
.lb-nav{top:50%;transform:translateY(-50%)}
.lb-nav.prev{left:12px}.lb-nav.next{right:12px}

/* ===== v4: misc ===== */
.cards.four{grid-template-columns:repeat(4,minmax(0,1fr))}
.band:not(.cream) .card{background:var(--navy-3);border-color:var(--line);color:var(--text)}
.band:not(.cream) .card h3{color:var(--cream)}
.band:not(.cream) .card p{color:var(--muted)}
.band:not(.cream) .card:hover{border-color:var(--orange);box-shadow:none}
.card .link-arrow{font-size:.95rem}
.g-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
.form-status{margin-top:14px;padding:14px 16px;border-radius:12px;font-weight:700;outline:none}
.form-status.ok{background:rgba(158,190,35,.18);color:#d8e9a0}
.form-status.err{background:rgba(254,165,57,.18);color:#ffd9a8}
.book-online{margin-bottom:18px}
.book-online .btn{width:100%}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
@media (max-width:1000px){
  .cards.four{grid-template-columns:repeat(2,minmax(0,1fr))}
  .news-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:900px){
  .calc{grid-template-columns:minmax(0,1fr)}
  .calc-result{position:static}
}
@media (max-width:640px){
  .cards.four,.news-grid{grid-template-columns:minmax(0,1fr)}
  .calc-form{grid-template-columns:minmax(0,1fr)}
  .calc-rows div{flex-direction:column;gap:2px}
  .calc-rows dd{text-align:left;white-space:normal}
}

/* ===== v4: keep the open phone menu clear of the call bar ===== */
@media (max-width:1180px){
  .nav #site-menu{max-height:calc(100vh - 190px);max-height:calc(100dvh - 190px);overscroll-behavior:contain}
}

.tag-eyebrow{margin:0 0 10px;font-size:.95rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold,#c9a24a)}
.foot-tag{font-size:1.05rem}
.story{margin:46px auto 0;text-align:center;max-width:640px}
.story h2{margin:0 0 6px}
.story p{margin:0;font-size:1.15rem}

/* review slider */
.marquee{overflow:hidden;margin:0 -24px;padding:6px 0;-webkit-mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent);mask-image:linear-gradient(90deg,transparent,#000 5%,#000 95%,transparent)}
.marquee-track{display:flex;width:max-content;animation:r2marquee 150s linear infinite}
.marquee-set{display:flex;gap:22px;padding-right:22px}
.marquee .review{display:flex;flex-direction:column;flex:0 0 min(380px,82vw);margin:0;width:auto}
.marquee:hover .marquee-track,.marquee.paused .marquee-track{animation-play-state:paused}
@keyframes r2marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.marquee-ctl{margin:14px 0 0;text-align:right}
@media (prefers-reduced-motion:reduce){
  .marquee{overflow-x:auto;-webkit-mask-image:none;mask-image:none}
  .marquee-track{animation:none}
  .marquee-set[aria-hidden]{display:none}
  .marquee-ctl{display:none}
}
@media (max-width:700px){.marquee{margin:0 -16px}}
.marquee{margin:0}
.marquee .review figcaption{margin-top:auto}
.marquee-set{align-items:flex-start}