/* ============================================================
   Northpoint PEO Advisors — app.css
   Demo A · "The Quant Advisor" · BrokerCare demo
   One combined, same-origin critical stylesheet.
   ============================================================ */

/* ---- Tokens -------------------------------------------------- */
:root{
  --ink:#0F2744;            /* navy: structure, headlines */
  --ink-body:#16273D;       /* long-form body */
  --ink-muted:#5A6B82;      /* secondary text */
  --paper:#F7F9FC;          /* page paper */
  --white:#FFFFFF;
  --accent:#2B6CFF;         /* brand accent: figures, rules, large */
  --accent-strong:#1E55E6;  /* buttons, links, normal-text accent (AA) */
  --accent-tint:#EAF0FB;
  --hairline:#D7DEE9;
  --hairline-soft:#E6ECF4;
  --dummy-bg:#EAF0F8;
  --dummy-ink:#3C4D63;

  --wrap:1200px;
  --gut:24px;

  --serif:"Spectral",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,"SFMono-Regular",Menlo,monospace;

  --r:6px;
  --shadow-sm:0 1px 2px rgba(15,39,68,.06),0 1px 3px rgba(15,39,68,.05);
  --shadow-md:0 8px 24px rgba(15,39,68,.08),0 2px 6px rgba(15,39,68,.05);
  --shadow-lg:0 24px 60px rgba(15,39,68,.14),0 6px 16px rgba(15,39,68,.08);
}

/* ---- Reset --------------------------------------------------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  margin:0;background:var(--paper);color:var(--ink-body);
  font-family:var(--sans);font-size:17px;line-height:1.6;
  font-feature-settings:"cv05","ss01";
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block}
a{color:var(--accent-strong);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{margin:0;color:var(--ink);font-weight:600;line-height:1.1;letter-spacing:-.01em}
p{margin:0}
button{font-family:inherit}
:focus-visible{outline:2.5px solid var(--accent-strong);outline-offset:2px;border-radius:3px}
.tnum{font-variant-numeric:tabular-nums lining-nums;font-feature-settings:"tnum","lnum"}
.serif{font-family:var(--serif)}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ---- Layout -------------------------------------------------- */
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
main{display:block}
.band{padding:88px 0}
.band--tight{padding:60px 0}
.band--paper{background:var(--paper)}
.band--white{background:var(--white)}
.band--rule{border-top:1px solid var(--hairline)}
.eyebrow{
  font-family:var(--mono);font-size:12.5px;letter-spacing:.16em;
  text-transform:uppercase;color:var(--accent-strong);font-weight:500;
  margin:0 0 18px;display:flex;align-items:center;gap:10px;
}
.eyebrow::before{content:"";width:22px;height:1px;background:var(--accent);flex:none}
.eyebrow--center{justify-content:center}
.lead{font-size:20px;line-height:1.5;color:var(--ink-muted);max-width:62ch}
.section-head{max-width:760px;margin-bottom:40px}
.section-head h2{font-size:34px;letter-spacing:-.02em}
.section-head .lead{margin-top:16px}

/* ---- Header / nav -------------------------------------------- */
.site-header{
  position:sticky;top:0;z-index:60;height:64px;background:rgba(247,249,252,.86);
  backdrop-filter:saturate(150%) blur(10px);border-bottom:1px solid var(--hairline);
}
.site-header .wrap{height:64px;display:flex;align-items:center;gap:28px}
.brand{display:flex;align-items:center;gap:11px;flex:none}
.brand:hover{text-decoration:none}
.brand-mark{
  width:30px;height:30px;border-radius:7px;flex:none;position:relative;
  background:linear-gradient(150deg,var(--ink) 0%,#1c3c63 100%);
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.06);
}
.brand-mark::after{
  content:"";position:absolute;inset:0;border-radius:7px;
  background:
    linear-gradient(var(--accent),var(--accent)) 9px 8px/2px 14px no-repeat,
    linear-gradient(var(--accent),var(--accent)) 14px 12px/2px 10px no-repeat,
    linear-gradient(var(--accent),var(--accent)) 19px 6px/2px 16px no-repeat;
}
.brand-name{font-family:var(--serif);font-weight:600;font-size:18px;color:var(--ink);letter-spacing:-.01em;white-space:nowrap}
.brand-name b{color:var(--accent-strong);font-weight:600}
.nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.nav a{
  color:var(--ink-body);font-size:14.5px;font-weight:500;padding:8px 13px;
  border-radius:5px;white-space:nowrap;
}
.nav a:hover{background:var(--accent-tint);color:var(--accent-strong);text-decoration:none}
.nav a[aria-current="page"]{color:var(--accent-strong)}
.nav a.btn,.drawer a.btn{color:#fff}
.nav a.btn--primary:hover,.drawer a.btn--primary:hover{color:#fff;background:#1A4ED1}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-weight:600;font-size:15px;line-height:1;border-radius:var(--r);
  padding:13px 20px;border:1px solid transparent;cursor:pointer;
  transition:transform .12s ease,box-shadow .12s ease,background .12s ease;
}
.btn:hover{text-decoration:none}
.btn--primary{background:var(--accent-strong);color:#fff;box-shadow:0 1px 2px rgba(15,39,68,.18)}
.btn--primary:hover{background:#1A4ED1;transform:translateY(-1px);box-shadow:var(--shadow-md)}
.btn--ghost{background:transparent;color:var(--ink);border-color:var(--hairline)}
.btn--ghost:hover{border-color:var(--accent);color:var(--accent-strong);background:var(--white)}
.btn--ondark{background:var(--accent);color:#fff}
.btn--ondark:hover{background:#4683ff;transform:translateY(-1px);box-shadow:0 10px 30px rgba(43,108,255,.4)}
.btn--lg{padding:16px 26px;font-size:16px}
.btn--ghost-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.34)}
.btn--ghost-light:hover{border-color:#fff;background:rgba(255,255,255,.08);color:#fff}
.nav-cta{margin-left:6px}
.nav-arrow{font-size:15px;transition:transform .15s ease}
.btn:hover .nav-arrow{transform:translateX(3px)}

.nav-toggle{display:none;margin-left:auto;width:44px;height:44px;border:1px solid var(--hairline);
  background:var(--white);border-radius:8px;cursor:pointer;align-items:center;justify-content:center}
.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{
  content:"";display:block;width:18px;height:2px;background:var(--ink);position:relative;transition:.2s}
.nav-toggle span::before{position:absolute;top:-6px}
.nav-toggle span::after{position:absolute;top:6px}

/* mobile top-sheet drawer */
.drawer{position:fixed;inset:64px 0 auto 0;z-index:55;background:var(--white);
  border-bottom:1px solid var(--hairline);box-shadow:var(--shadow-lg);
  transform:translateY(-110%);transition:transform .26s cubic-bezier(.4,0,.2,1);padding:14px var(--gut) 22px}
.drawer.open{transform:translateY(0)}
.drawer a{display:block;padding:13px 8px;font-size:17px;font-weight:500;color:var(--ink);border-bottom:1px solid var(--hairline-soft)}
.drawer .btn{width:100%;margin-top:16px}

/* ---- Hero ---------------------------------------------------- */
.hero{background:linear-gradient(180deg,var(--white) 0%,var(--paper) 100%);
  border-bottom:1px solid var(--hairline);overflow:hidden}
.hero .wrap{padding-top:74px;padding-bottom:74px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center}
.hero h1{font-family:var(--serif);font-weight:600;font-size:clamp(38px,4.6vw,60px);
  line-height:1.04;letter-spacing:-.022em;max-width:15ch;color:var(--ink)}
.hero .sub{font-size:20px;line-height:1.5;color:var(--ink-muted);margin-top:24px;max-width:54ch}
.hero-cta{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin-top:34px}
.trust-line{display:flex;align-items:center;gap:9px;font-size:14px;color:var(--ink-muted);margin-top:22px}
.trust-line::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--accent);flex:none;
  box-shadow:0 0 0 4px var(--accent-tint)}
.hero--single .hero-grid{display:block}
.hero--single h1{max-width:20ch}
.hero--single .sub{max-width:64ch}

/* ---- Sample report card (the premium document) -------------- */
.report{
  position:relative;background:var(--white);border:1px solid var(--hairline);
  border-radius:10px;box-shadow:var(--shadow-lg);overflow:hidden;
}
.report::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--accent) 0%,var(--ink) 100%)}
.report-watermark{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%) rotate(-24deg);
  font-family:var(--mono);font-size:64px;font-weight:600;letter-spacing:.18em;
  color:rgba(15,39,68,.045);pointer-events:none;z-index:0;white-space:nowrap}
.report>*{position:relative;z-index:1}
.report-head{display:flex;justify-content:space-between;align-items:flex-start;
  gap:16px;padding:22px 24px 18px;border-bottom:1px solid var(--hairline)}
.report-head .doc-title{font-family:var(--serif);font-size:17px;color:var(--ink);font-weight:600}
.report-head .doc-meta{font-family:var(--mono);font-size:11px;letter-spacing:.04em;color:var(--ink-muted);margin-top:4px}
.report-tag{font-family:var(--mono);font-size:10.5px;font-weight:600;letter-spacing:.14em;
  color:var(--accent-strong);border:1px solid var(--accent);border-radius:4px;padding:5px 9px;white-space:nowrap}
.report-cols{display:grid;grid-template-columns:1.6fr 1fr 1fr;font-family:var(--sans)}
.report-cols .rc-h{font-family:var(--mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;
  color:var(--ink-muted);padding:13px 24px 9px}
.report-cols .rc-h.num{text-align:right;padding-right:24px}
.report-row{display:contents}
.report-row>div{padding:11px 24px;border-top:1px solid var(--hairline-soft);font-size:14.5px}
.report-row .lbl{color:var(--ink-body)}
.report-row .num{text-align:right;color:var(--ink);font-variant-numeric:tabular-nums lining-nums}
.report-row .num.muted{color:var(--ink-muted)}
.report-row.total>div{border-top:1.5px solid var(--ink);font-weight:600;padding-top:14px;padding-bottom:14px}
.report-net{display:flex;justify-content:space-between;align-items:center;gap:16px;
  background:var(--ink);color:#fff;padding:20px 24px}
.report-net .rn-label{font-family:var(--mono);font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;color:#9fb6d6}
.report-net .rn-sub{font-size:12px;color:#aebfd6;margin-top:3px}
.report-net .rn-fig{font-family:var(--serif);font-size:38px;font-weight:600;color:#fff;letter-spacing:-.01em;
  font-variant-numeric:tabular-nums lining-nums}
.report-net .rn-fig b{color:var(--accent)}
.report-foot{font-family:var(--mono);font-size:10.5px;color:var(--ink-muted);padding:12px 24px;
  background:var(--paper);border-top:1px solid var(--hairline);letter-spacing:.02em}

/* ---- Big figure (numbers as a design element) --------------- */
.figure-xl{font-family:var(--serif);font-weight:600;font-size:clamp(54px,7vw,86px);
  line-height:.95;letter-spacing:-.03em;color:var(--ink);font-variant-numeric:tabular-nums lining-nums}
.figure-xl b{color:var(--accent)}

/* ---- Routing / generic cards -------------------------------- */
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--white);border:1px solid var(--hairline);border-radius:9px;padding:26px;
  box-shadow:var(--shadow-sm);transition:transform .16s ease,box-shadow .16s ease,border-color .16s}
.card--link:hover{transform:translateY(-3px);box-shadow:var(--shadow-md);border-color:var(--accent);text-decoration:none}
.card .k{font-family:var(--mono);font-size:11px;letter-spacing:.1em;color:var(--accent-strong);text-transform:uppercase}
.card h3{font-size:20px;margin:14px 0 9px;font-family:var(--serif);font-weight:600}
.card p{color:var(--ink-muted);font-size:15px}
.card .go{display:inline-flex;align-items:center;gap:7px;margin-top:16px;font-size:14px;font-weight:600;color:var(--accent-strong)}
.card--link:hover .go .nav-arrow{transform:translateX(3px)}

/* ---- Steps strip -------------------------------------------- */
.steps{display:grid;gap:0;border-top:1px solid var(--hairline)}
.step{display:grid;grid-template-columns:120px 1fr;gap:30px;padding:30px 0;border-bottom:1px solid var(--hairline);align-items:start}
.step .sn{font-family:var(--serif);font-size:46px;font-weight:600;color:var(--accent);line-height:1;font-variant-numeric:tabular-nums}
.step h3{font-size:22px;font-family:var(--serif);font-weight:600;margin-bottom:10px}

/* ---- DUMMY placeholder (the honest demo tell) --------------- */
.dummy{
  position:relative;background:var(--dummy-bg);border:1px dashed #B7C6DC;
  border-radius:7px;padding:18px 20px 18px 22px;color:var(--dummy-ink);
  font-size:15px;line-height:1.55;
}
.dummy::before{
  content:"PLACEHOLDER BODY";position:relative;display:inline-block;
  font-family:var(--mono);font-size:10px;letter-spacing:.14em;font-weight:600;
  color:var(--accent-strong);background:var(--white);border:1px solid #C7D4E6;
  border-radius:4px;padding:3px 8px;margin-bottom:11px;
}
.dummy p{display:block}
.dummy .tag{font-family:var(--mono);font-size:12.5px;color:#62748d}

/* ---- Conversion: MINI --------------------------------------- */
.mini{
  background:linear-gradient(135deg,#fff 0%,var(--accent-tint) 130%);
  border:1px solid var(--hairline);border-radius:11px;padding:34px 36px;
  display:flex;align-items:center;justify-content:space-between;gap:30px;box-shadow:var(--shadow-sm);
}
.mini .eyebrow{margin-bottom:12px}
.mini h3{font-family:var(--serif);font-size:26px;font-weight:600;letter-spacing:-.01em;max-width:24ch}
.mini p{color:var(--ink-muted);font-size:15px;margin-top:8px;max-width:48ch}
.mini .mini-cta{flex:none}

/* ---- Conversion: FORM --------------------------------------- */
.formwrap{background:var(--white);border:1px solid var(--hairline);border-radius:12px;
  box-shadow:var(--shadow-md);overflow:hidden;display:grid;grid-template-columns:.85fr 1.15fr}
.formwrap .form-aside{background:var(--ink);color:#fff;padding:36px}
.formwrap .form-aside .eyebrow{color:#7fa6e8}
.formwrap .form-aside .eyebrow::before{background:var(--accent)}
.formwrap .form-aside h3{color:#fff;font-family:var(--serif);font-size:25px;font-weight:600;margin-bottom:12px}
.formwrap .form-aside p{color:#b9c8de;font-size:14.5px}
.formwrap .form-aside .pts{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:12px}
.formwrap .form-aside .pts li{padding-left:24px;position:relative;font-size:14px;color:#cdd9ec}
.formwrap .form-aside .pts li::before{content:"";position:absolute;left:0;top:7px;width:11px;height:6px;
  border-left:2px solid var(--accent);border-bottom:2px solid var(--accent);transform:rotate(-45deg)}
.form-body{padding:34px 36px}
.field{margin-bottom:16px}
.field label{display:block;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:6px;letter-spacing:.01em}
.field .req{color:var(--accent-strong)}
.field input,.field select,.field textarea{
  width:100%;font-family:inherit;font-size:15px;color:var(--ink-body);background:var(--paper);
  border:1px solid var(--hairline);border-radius:7px;padding:12px 13px;transition:border-color .15s,box-shadow .15s}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-tint);background:#fff}
.field textarea{resize:vertical;min-height:96px}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-note{font-size:12.5px;color:var(--ink-muted);margin-top:6px}
.form-msg{display:none;font-size:14.5px;border-radius:8px;padding:14px 16px;margin-bottom:18px}
.form-msg.ok{display:block;background:#e7f4ec;border:1px solid #b7dcc4;color:#1c5b38}
.form-msg.err{display:block;background:#fcebea;border:1px solid #f1c3c0;color:#8c2b25}
.thanks{display:none;text-align:center;padding:20px 10px}
.thanks.show{display:block}
.thanks .check{width:54px;height:54px;border-radius:50%;background:var(--accent-tint);margin:0 auto 16px;
  display:flex;align-items:center;justify-content:center}
.thanks .check::after{content:"";width:18px;height:10px;border-left:3px solid var(--accent-strong);
  border-bottom:3px solid var(--accent-strong);transform:rotate(-45deg) translateY(-2px)}
.thanks h3{font-family:var(--serif);font-size:24px;margin-bottom:8px}
.thanks p{color:var(--ink-muted)}

/* selector chips (contact) */
.selector{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:24px}
.selector input{position:absolute;opacity:0;pointer-events:none}
.selector label{cursor:pointer;border:1px solid var(--hairline);background:var(--paper);
  border-radius:30px;padding:10px 16px;font-size:14px;font-weight:500;color:var(--ink-body);transition:.14s}
.selector label:hover{border-color:var(--accent)}
.selector input:checked+label{background:var(--accent-strong);border-color:var(--accent-strong);color:#fff}
.selector input:focus-visible+label{outline:2.5px solid var(--accent-strong);outline-offset:2px}
.cond{display:none}
.cond.show{display:block}

/* ---- EMBED mount -------------------------------------------- */
.embed-panel{background:var(--white);border:1px solid var(--hairline);border-radius:12px;
  box-shadow:var(--shadow-md);overflow:hidden}
.embed-head{display:flex;justify-content:space-between;align-items:center;gap:14px;
  padding:16px 22px;border-bottom:1px solid var(--hairline);background:var(--paper)}
.embed-head .eh-title{font-family:var(--mono);font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-muted)}
.embed-head .eh-live{display:flex;align-items:center;gap:8px;font-family:var(--mono);font-size:11px;color:var(--ink)}
.embed-head .dot{width:8px;height:8px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 4px var(--accent-tint)}
.embed-mount{min-height:560px;position:relative;display:flex;align-items:center;justify-content:center;padding:0}
.embed-mount iframe{width:100%!important;min-height:560px!important;border:0;display:block}
.embed-mount:has(iframe){display:block}
.embed-mount:has(iframe) > *{width:100%!important;max-width:none!important;margin-left:0!important;margin-right:0!important}
.embed-mount:has(iframe) .embed-fallback{display:none}

/* Full-bleed embed: edge to edge of the page frame, no wrap, no side chrome */
.embed-bleed{background:var(--white)}
.embed-bleed .embed-panel{border-radius:0;border-left:0;border-right:0;box-shadow:none;max-width:none}
.embed-bleed .embed-head{padding-left:max(24px,calc((100% - 1200px)/2));padding-right:max(24px,calc((100% - 1200px)/2))}
.embed-bleed .embed-mount{min-height:660px}
.embed-bleed .embed-mount iframe{min-height:660px!important}
.embed-fallback{padding:56px 30px;text-align:center;max-width:520px;margin:0 auto}
.embed-fallback .fk{font-family:var(--mono);font-size:11px;letter-spacing:.12em;color:var(--accent-strong);text-transform:uppercase}
.embed-fallback h3{font-family:var(--serif);font-size:24px;margin:14px 0 10px}
.embed-fallback p{color:var(--ink-muted);font-size:15px}
.embed-fallback .tag{display:inline-block;margin-top:18px;font-family:var(--mono);font-size:12px;
  background:var(--ink);color:#cdd9ec;border-radius:6px;padding:9px 13px;word-break:break-all}

/* ---- Dark trust band (methodology proof) -------------------- */
.band--ink{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.band--ink::after{content:"";position:absolute;inset:0;pointer-events:none;opacity:.5;
  background:radial-gradient(900px 380px at 78% -10%,rgba(43,108,255,.22),transparent 70%)}
.band--ink .wrap{position:relative;z-index:1}
.band--ink h2{color:#fff;font-size:34px;letter-spacing:-.02em}
.band--ink .lead{color:#b9c8de}
.band--ink .eyebrow{color:#7fa6e8}
.trust-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;margin-top:48px}
.trust-stat{border-top:2px solid rgba(255,255,255,.16);padding-top:20px}
.trust-stat .ts-fig{font-family:var(--serif);font-size:clamp(40px,4.4vw,56px);font-weight:600;color:#fff;
  line-height:1;letter-spacing:-.02em;font-variant-numeric:tabular-nums lining-nums}
.trust-stat .ts-fig b{color:var(--accent)}
.trust-stat .ts-label{margin-top:14px;font-size:15px;color:#c2d0e4;max-width:30ch}
.trust-stat .ts-note{margin-top:6px;font-family:var(--mono);font-size:11px;letter-spacing:.05em;color:#7f93b1}

/* ---- Closing CTA band (DEFECT 1 fix: high-contrast ink) ----- */
.closing{background:var(--ink);color:#fff;position:relative;overflow:hidden;
  border-top:3px solid var(--accent)}
.closing::after{content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(700px 360px at 15% 120%,rgba(43,108,255,.26),transparent 65%)}
.closing .wrap{position:relative;z-index:1;text-align:center;padding-top:84px;padding-bottom:84px}
.closing .eyebrow{justify-content:center;color:#7fa6e8}
.closing h2{font-family:var(--serif);font-size:clamp(32px,4vw,48px);color:#fff;letter-spacing:-.02em;
  max-width:18ch;margin:0 auto;line-height:1.06}
.closing p{color:#c2d0e4;font-size:18px;margin:20px auto 0;max-width:56ch}
.closing .closing-cta{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:36px}

/* ---- Footer ------------------------------------------------- */
.site-footer{background:var(--ink);color:#cdd9ec;border-top:1px solid rgba(255,255,255,.08)}
.footer-top{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:40px;padding:64px 0 44px}
.footer-brand .brand-name{color:#fff}
.footer-brand .brand-name b{color:var(--accent)}
.footer-brand p{color:#9fb1cb;font-size:14px;margin-top:16px;max-width:34ch}
.footer-col h3{font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;
  color:#7f93b1;font-weight:500;margin-bottom:16px}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:11px}
.footer-col a{color:#cdd9ec;font-size:14.5px}
.footer-col a:hover{color:#fff}
.footer-legal{border-top:1px solid rgba(255,255,255,.1);padding:24px 0 40px;
  display:flex;flex-wrap:wrap;align-items:center;gap:10px 22px;font-size:13px}
.footer-legal a{color:#9fb1cb}.footer-legal a:hover{color:#fff}
.footer-legal .sep{color:#4d617e}
.footer-disclosure{flex-basis:100%;color:#8295b1;font-size:12.5px;line-height:1.6;margin-bottom:8px;max-width:90ch}
.footer-badge{margin-left:auto;font-weight:600;color:#fff}
.not-affiliated{font-weight:600;color:#cdd9ec}
.credit{font-family:var(--mono);font-size:12px;color:#7f93b1}

/* ---- Exit-intent (annotated demo placeholder) --------------- */
.exit-overlay{position:fixed;inset:0;z-index:200;background:rgba(15,39,68,.55);
  backdrop-filter:blur(3px);display:none;align-items:center;justify-content:center;padding:24px}
.exit-overlay.open{display:flex}
.exit-card{background:#fff;border-radius:14px;box-shadow:var(--shadow-lg);max-width:540px;width:100%;
  overflow:hidden;position:relative;animation:exitin .26s ease}
@keyframes exitin{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.exit-card{animation:none}}
.exit-card .ex-body{padding:38px 38px 30px}
.exit-card .eyebrow{margin-bottom:14px}
.exit-card h3{font-family:var(--serif);font-size:27px;font-weight:600;letter-spacing:-.01em}
.exit-card p{color:var(--ink-muted);margin-top:12px;font-size:15.5px}
.exit-card .ex-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px}
.exit-anno{background:var(--dummy-bg);border-top:1px dashed #B7C6DC;padding:16px 38px;
  font-size:13px;color:var(--dummy-ink);line-height:1.5}
.exit-anno b{font-family:var(--mono);font-size:10px;letter-spacing:.12em;color:var(--accent-strong);
  display:inline-block;margin-bottom:6px}
.exit-close{position:absolute;top:14px;right:14px;width:38px;height:38px;border:0;background:var(--paper);
  border-radius:50%;cursor:pointer;color:var(--ink);font-size:20px;line-height:1;display:flex;align-items:center;justify-content:center}
.exit-close:hover{background:var(--hairline)}

/* ---- Opt-out notice ----------------------------------------- */
.optout{position:fixed;left:18px;bottom:18px;z-index:120;max-width:340px;background:#fff;
  border:1px solid var(--hairline);border-radius:10px;box-shadow:var(--shadow-md);padding:16px 18px;
  font-size:13px;color:var(--ink-muted);display:none}
.optout.show{display:block}
.optout b{color:var(--ink);display:block;margin-bottom:5px;font-size:13.5px}
.optout-row{display:flex;gap:14px;align-items:center;margin-top:10px}
.optout-row a{font-weight:600}
.optout button{border:0;background:var(--accent-strong);color:#fff;font-weight:600;font-size:12.5px;
  border-radius:6px;padding:7px 12px;cursor:pointer}

/* ---- Scroll reveal (gated by .js so content is never hidden without JS) -- */
.js .reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.js .reveal{opacity:1;transform:none;transition:none}}

/* ---- Section rows (alternating heading / dummy body) -------- */
.srows{display:grid;gap:0}
.srow{display:grid;grid-template-columns:.92fr 1.08fr;gap:48px;padding:34px 0;border-bottom:1px solid var(--hairline);align-items:start}
.srow:last-child{border-bottom:0}
.srow h2{font-size:25px;letter-spacing:-.015em}
.srow .eyebrow{margin-bottom:12px}
@media (max-width:760px){.srow{grid-template-columns:1fr;gap:16px;padding:26px 0}}

/* ---- Misc content ------------------------------------------- */
.prose p{margin-bottom:18px;max-width:68ch}
.prose p:last-child{margin-bottom:0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.who-list{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.who-list li{display:flex;gap:13px;align-items:flex-start;font-size:16px;color:var(--ink-body)}
.who-list li::before{content:"";flex:none;width:12px;height:7px;margin-top:7px;
  border-left:2.5px solid var(--accent);border-bottom:2.5px solid var(--accent);transform:rotate(-45deg)}

/* ---- Responsive --------------------------------------------- */
@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:44px}
  .formwrap{grid-template-columns:1fr}
  .formwrap .form-aside{order:-1}
  .split{grid-template-columns:1fr;gap:34px}
  .trust-stats{grid-template-columns:1fr;gap:24px}
  .grid-3{grid-template-columns:1fr 1fr}
}
@media (max-width:1024px){
  .nav{display:none}
  .nav-toggle{display:flex}
  .nav-cta{display:none}
}
@media (max-width:820px){
  .band{padding:60px 0}
  .footer-top{grid-template-columns:1fr 1fr;gap:32px}
  .mini{flex-direction:column;align-items:flex-start;gap:20px}
  .mini .mini-cta{width:100%}
  .mini .mini-cta .btn{width:100%}
}
@media (max-width:560px){
  body{font-size:16px}
  .grid-3,.grid-2{grid-template-columns:1fr}
  .field-row{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr}
  .step{grid-template-columns:1fr;gap:8px}
  .report-net .rn-fig{font-size:30px}
  .closing .wrap,.hero .wrap{padding-top:54px;padding-bottom:54px}
}