/* =========================================================================
   Credit Point Advance — Design System
   Light-first on cool grey. True navy #0C2546 and light grey #989CA2, both
   measured off the supplied logo.
   Display: Sora. Body: Manrope.

   Shares no colour value and no typeface with either sibling lender site —
   three brands from one studio must not read as one template.
   ========================================================================= */

/* Fonts are self-hosted from assets/fonts/ so the site carries no external
   dependency and no third-party round trip. */
@font-face{font-family:'Manrope';font-style:normal;font-weight:400;font-display:swap;src:url('../fonts/manrope-400-normal.woff2') format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;}
@font-face{font-family:'Manrope';font-style:normal;font-weight:500;font-display:swap;src:url('../fonts/manrope-500-normal.woff2') format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;}
@font-face{font-family:'Manrope';font-style:normal;font-weight:600;font-display:swap;src:url('../fonts/manrope-600-normal.woff2') format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;}
@font-face{font-family:'Manrope';font-style:normal;font-weight:700;font-display:swap;src:url('../fonts/manrope-700-normal.woff2') format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;}
@font-face{font-family:'Sora';font-style:normal;font-weight:400;font-display:swap;src:url('../fonts/sora-400-normal.woff2') format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;}
@font-face{font-family:'Sora';font-style:normal;font-weight:500;font-display:swap;src:url('../fonts/sora-500-normal.woff2') format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;}
@font-face{font-family:'Sora';font-style:normal;font-weight:600;font-display:swap;src:url('../fonts/sora-600-normal.woff2') format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;}
@font-face{font-family:'Sora';font-style:normal;font-weight:700;font-display:swap;src:url('../fonts/sora-700-normal.woff2') format('woff2');unicode-range:U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;}


/* ---------- Tokens ---------- */
:root {
  /* Navy — from the logo */
  --navy:        #0C2546;
  --navy-deep:   #071A33;   /* footer, deepest sections */
  --navy-soft:   #14335C;   /* raised surface on navy */
  --navy-line:   #1E4372;   /* border on navy */

  /* Cool light surfaces */
  --paper:       #F2F4F7;   /* page base */
  --paper-2:     #E7EBF1;   /* alternating band */
  --line:        #D5DBE4;   /* border on light */
  --white:       #FFFFFF;

  /* Grey — from the logo */
  --grey:        #989CA2;   /* decorative / on-navy only */
  --grey-text:   #55606E;   /* body text on light, AA compliant */
  --steel:       #2E5C96;   /* interactive accent, derived from the navy */

  --on-navy:       #EDF1F6;
  --on-navy-dim:   #A8B6C9;
  --on-light:      #0C2546;
  --on-light-dim:  #55606E;

  --danger:  #A3271F;
  --success: #1D6B4A;

  /* Type scale */
  --fs-xs:   0.75rem;
  --fs-sm:   0.875rem;
  --fs-base: 1rem;
  --fs-md:   1.0625rem;
  --fs-lg:   clamp(1.15rem, 0.5vw + 1.05rem, 1.35rem);
  --fs-xl:   clamp(1.4rem,  1.1vw + 1.1rem, 1.9rem);
  --fs-2xl:  clamp(1.8rem,  2.1vw + 1.2rem, 2.6rem);
  --fs-3xl:  clamp(2.15rem, 3.5vw + 1.15rem, 3.5rem);

  --s-1:.25rem; --s-2:.5rem; --s-3:.75rem; --s-4:1rem;
  --s-5:1.5rem; --s-6:2rem;  --s-7:3rem;   --s-8:4rem;

  --shell: 1240px;
  --shell-narrow: 780px;
  --gutter: clamp(1.25rem, 4vw, 3rem);

  --r:    10px;
  --r-lg: 18px;

  --shadow-sm: 0 1px 2px rgba(12,37,70,.05), 0 4px 12px rgba(12,37,70,.06);
  --shadow:    0 2px 6px rgba(12,37,70,.07), 0 16px 36px rgba(12,37,70,.10);
  --shadow-lg: 0 10px 28px rgba(12,37,70,.12), 0 40px 72px rgba(12,37,70,.16);

  --ease: cubic-bezier(.16,1,.3,1);
  --dur: 230ms;

  --z-header: 100;
  --z-menu: 200;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--on-light);
  font-family: 'Manrope', ui-sans-serif, system-ui, sans-serif;
  font-size: var(--fs-base);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
h1, h2, h3, h4 {
  font-family: 'Sora', ui-sans-serif, system-ui, sans-serif;
  margin: 0 0 var(--s-4);
  line-height: 1.12;
  font-weight: 700;
  letter-spacing: -0.03em;
}
h1 { font-size: var(--fs-3xl); }
h2 { font-size: var(--fs-2xl); }
h3 { font-size: var(--fs-lg); font-weight: 600; letter-spacing: -0.02em; }
h4 { font-size: var(--fs-base); font-weight: 600; }
p { margin: 0 0 var(--s-4); }
a { color: inherit; }
button { font: inherit; cursor: pointer; }
ul, ol { margin: 0 0 var(--s-4); padding-left: 1.2rem; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important; animation-iteration-count: 1 !important;
    transition-duration: .01ms !important; scroll-behavior: auto !important;
  }
}

/* ---------- Type utilities ---------- */
.eyebrow {
  font-family: 'Sora', sans-serif; font-size: var(--fs-xs); font-weight: 600;
  letter-spacing: .17em; text-transform: uppercase; color: var(--steel);
  margin: 0 0 var(--s-4); display: flex; align-items: center; gap: var(--s-3);
}
.eyebrow::before { content:''; width: 20px; height: 2px; background: currentColor; flex: none; }
.on-navy .eyebrow, .band-navy .eyebrow, .band-deep .eyebrow,
.hero .eyebrow, .page-head .eyebrow, .cta .eyebrow { color: var(--grey); }

.lede { font-size: var(--fs-md); color: var(--on-light-dim); max-width: 60ch; }
.band-navy .lede, .band-deep .lede, .hero .lede, .page-head .lede, .cta .lede { color: var(--on-navy-dim); }
.muted { color: var(--on-light-dim); }
.band-navy .muted { color: var(--on-navy-dim); }
.num { font-variant-numeric: tabular-nums; letter-spacing: -0.02em; }

/* ---------- Layout ---------- */
.shell { width: 100%; max-width: var(--shell); margin-inline: auto; padding-inline: var(--gutter); }
.shell-narrow { max-width: var(--shell-narrow); }
.section { padding-block: clamp(3.5rem, 8vw, 6.5rem); }
.band-2    { background: var(--paper-2); }
.band-navy { background: var(--navy); color: var(--on-navy); }
.band-deep { background: var(--navy-deep); color: var(--on-navy); }
.band-navy h1,.band-navy h2,.band-navy h3,.band-navy h4,
.band-deep h1,.band-deep h2,.band-deep h3,.band-deep h4 { color: var(--on-navy); }
.center { text-align: center; }
.center .eyebrow { justify-content: center; }
.center .lede { margin-inline: auto; }

.grid { display: grid; gap: var(--s-5); }
.grid > * { min-width: 0; }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 21rem), 1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 17rem), 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(min(100%, 14rem), 1fr)); }

.section-head {
  display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between;
  gap: var(--s-5); margin-bottom: var(--s-7);
}
.section-head > div { max-width: 44rem; }
.section-head .lede { margin-bottom: 0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--s-2);
  min-height: 52px; padding: 0 var(--s-6); max-width: 100%;
  border: 1.5px solid transparent; border-radius: 999px;
  font-family: 'Sora', sans-serif; font-size: var(--fs-sm); font-weight: 600;
  text-decoration: none; white-space: nowrap;
  transition: background var(--dur) var(--ease), color var(--dur) var(--ease),
              border-color var(--dur) var(--ease), transform var(--dur) var(--ease),
              box-shadow var(--dur) var(--ease);
  touch-action: manipulation;
}
.btn:focus-visible { outline: 3px solid var(--steel); outline-offset: 3px; }
.btn:active { transform: translateY(1px); }

.btn-navy { background: var(--navy); color: var(--white); border-color: var(--navy); box-shadow: var(--shadow-sm); }
.btn-navy:hover { background: var(--navy-soft); border-color: var(--navy-soft); box-shadow: var(--shadow); }

.btn-white { background: var(--white); color: var(--navy); border-color: var(--white); }
.btn-white:hover { background: var(--paper); border-color: var(--paper); }

.btn-outline { background: transparent; color: var(--navy); border-color: var(--line); }
.btn-outline:hover { border-color: var(--navy); }
/* Every dark surface, not just the two band classes. The hero, page head and
   CTA are dark too, and an outline button there needs light text or it renders
   navy-on-navy and disappears. */
.band-navy .btn-outline, .band-deep .btn-outline,
.hero .btn-outline, .page-head .btn-outline, .cta .btn-outline {
  color: var(--on-navy); border-color: var(--navy-line);
}
.band-navy .btn-outline:hover, .band-deep .btn-outline:hover,
.hero .btn-outline:hover, .page-head .btn-outline:hover, .cta .btn-outline:hover {
  border-color: var(--grey); color: var(--white);
}

.btn-lg { min-height: 58px; padding: 0 var(--s-7); font-size: var(--fs-base); }
.btn-block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: var(--s-3); }
@media (max-width: 560px) {
  .btn { white-space: normal; text-align: center; height: auto; padding-block: var(--s-3); border-radius: var(--r); }
  .btn-row > .btn { width: 100%; }
}

.link-arrow {
  display: inline-flex; align-items: center; gap: var(--s-2);
  font-family: 'Sora', sans-serif; font-weight: 600; font-size: var(--fs-sm);
  text-decoration: none; color: var(--steel); max-width: 100%; overflow-wrap: anywhere;
  transition: gap var(--dur) var(--ease);
}
.link-arrow:hover { gap: var(--s-3); }
.band-navy .link-arrow, .band-deep .link-arrow,
.hero .link-arrow, .page-head .link-arrow, .cta .link-arrow { color: var(--grey); }

/* ---------- Header ---------- */
.topbar { background: var(--navy-deep); color: var(--on-navy-dim); font-size: var(--fs-xs); }
.topbar .shell { display: flex; align-items: center; justify-content: space-between; gap: var(--s-4); min-height: 40px; }
.topbar a { color: var(--on-navy); text-decoration: none; font-weight: 600; }
.topbar a:hover { color: var(--white); }
.topbar-left { display: none; }
@media (min-width: 720px) { .topbar-left { display: block; } }

.site-header {
  position: sticky; top: 0; z-index: var(--z-header);
  background: rgba(242,244,247,.94); backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid var(--line);
}
.site-header .shell { display: flex; align-items: center; gap: var(--s-5); min-height: 78px; }

/* The supplied lockup carries its own wordmark, so the header shows the artwork
   rather than mark-plus-typeset-text. Natural variant here (light header),
   knockout on the navy footer and menu. */
.brand { display: flex; align-items: center; text-decoration: none; flex: none; }
.brand img { width: 132px; height: auto; display: block; }
@media (max-width: 420px) { .brand img { width: 108px; } }
.mobile-head .brand img { width: 116px; }
.footer-brand .brand img { width: 170px; }

.nav { display: none; margin-left: auto; align-items: center; gap: var(--s-1); }
@media (min-width: 1024px) { .nav { display: flex; } }
.nav-item { position: relative; }
.nav-link {
  display: inline-flex; align-items: center; gap: 6px;
  padding: var(--s-3); border-radius: var(--r); background: none; border: 0;
  font-family: 'Sora', sans-serif; font-size: var(--fs-sm); font-weight: 600;
  text-decoration: none; color: var(--navy);
  transition: color var(--dur) var(--ease);
}
.nav-link:hover, .nav-link[aria-current="page"] { color: var(--steel); }
.chev { transition: transform var(--dur) var(--ease); }
.nav-item.open .chev { transform: rotate(180deg); }

.dropdown {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 300px;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg); padding: var(--s-2);
  opacity: 0; visibility: hidden; transform: translateY(-6px);
  transition: opacity var(--dur) var(--ease), transform var(--dur) var(--ease), visibility var(--dur);
}
.nav-item.open .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a {
  display: block; padding: var(--s-3); border-radius: var(--r);
  text-decoration: none; font-size: var(--fs-sm); font-weight: 600; color: var(--navy);
}
.dropdown a small { display: block; font-weight: 400; color: var(--on-light-dim); font-size: 11.5px; margin-top: 2px; }
.dropdown a:hover { background: var(--paper); color: var(--steel); }

.header-cta { display: none; margin-left: var(--s-4); gap: var(--s-3); align-items: center; }
@media (min-width: 1024px) { .header-cta { display: flex; } }

.burger {
  margin-left: auto; width: 48px; height: 48px; display: grid; place-items: center;
  background: none; border: 1px solid var(--line); border-radius: var(--r); color: var(--navy);
}
@media (min-width: 1024px) { .burger { display: none; } }

.mobile-menu {
  position: fixed; inset: 0; z-index: var(--z-menu);
  background: var(--navy); color: var(--on-navy);
  padding: var(--s-5) var(--gutter) var(--s-8); overflow-y: auto;
  transform: translateY(-100%); visibility: hidden;
  transition: transform 320ms var(--ease), visibility 320ms;
}
.mobile-menu.open { transform: translateY(0); visibility: visible; }
.mobile-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: var(--s-6); }
.m-close { width: 48px; height: 48px; display: grid; place-items: center;
  background: none; border: 1px solid var(--navy-line); border-radius: var(--r); color: var(--on-navy); }
.m-link {
  display: flex; align-items: center; justify-content: space-between; gap: var(--s-4);
  padding: var(--s-4) 0; border-bottom: 1px solid var(--navy-line);
  font-family: 'Sora', sans-serif; font-size: 1.15rem; font-weight: 600;
  text-decoration: none; color: var(--on-navy);
}
.m-link small { font-family: 'Manrope', sans-serif; font-weight: 400; font-size: var(--fs-xs); color: var(--on-navy-dim); }
.m-foot { margin-top: var(--s-7); display: grid; gap: var(--s-3); }

.skip-link { position: absolute; left: -9999px; top: 0; z-index: 999;
  background: var(--navy); color: var(--white); padding: var(--s-3) var(--s-4); font-weight: 700; }
.skip-link:focus { left: 0; }

/* ---------- Hero ---------- */
.hero { background: var(--navy); color: var(--on-navy); position: relative; overflow: hidden; }
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(48rem 30rem at 88% 8%, rgba(46,92,150,.42), transparent 66%);
}
.hero-grid { position: relative; display: grid; gap: var(--s-7); align-items: center;
  padding-block: clamp(3rem, 7vw, 5.5rem); }
@media (min-width: 940px) { .hero-grid { grid-template-columns: 1.06fr .94fr; gap: var(--s-8); } }
.hero h1 { max-width: 16ch; margin-bottom: var(--s-5); }
.hero h1 em { font-style: normal; color: var(--grey); }
.hero .lede { max-width: 48ch; margin-bottom: var(--s-6); }
.hero-media img { border-radius: var(--r-lg); width: 100%; aspect-ratio: 4/3.2; object-fit: cover;
  box-shadow: var(--shadow-lg); }

.hero-points { display: flex; flex-wrap: wrap; gap: var(--s-4); margin-top: var(--s-6); }
.hero-point { display: flex; align-items: center; gap: var(--s-2); font-size: var(--fs-sm); color: var(--on-navy-dim); }
.hero-point svg { color: var(--grey); flex: none; }

/* ---------- Metric strip ---------- */
.metrics { background: var(--navy-deep); }
.metrics .shell { display: grid; gap: var(--s-5); padding-block: var(--s-6);
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 12rem), 1fr)); }
.metric b { display: block; font-family: 'Sora', sans-serif; font-weight: 700; font-size: var(--fs-2xl);
  line-height: 1; letter-spacing: -0.04em; color: var(--white); font-variant-numeric: tabular-nums; margin-bottom: var(--s-2); }
.metric span { font-size: var(--fs-sm); color: var(--on-navy-dim); }

/* ---------- Cards ---------- */
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: var(--s-6); box-shadow: var(--shadow-sm);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: #BCC7D6; }
.card p:last-child { margin-bottom: 0; }
.band-navy .card, .band-deep .card { background: var(--navy-soft); border-color: var(--navy-line); color: var(--on-navy); box-shadow: none; }
.band-navy .card:hover, .band-deep .card:hover { border-color: var(--grey); }
.card-icon {
  width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
  background: rgba(46,92,150,.10); color: var(--steel); margin-bottom: var(--s-5);
}
.band-navy .card-icon, .band-deep .card-icon { background: rgba(152,156,162,.16); color: var(--grey); }

/* Feature card — the four blocks the client asked for */
.feature { position: relative; }
.feature.is-lead { background: var(--navy); border-color: var(--navy); color: var(--on-navy); }
.feature.is-lead h3 { color: var(--white); }
.feature.is-lead p { color: var(--on-navy-dim); }
.feature.is-lead .card-icon { background: rgba(152,156,162,.18); color: var(--grey); }

/* Product card */
.prod { display: flex; flex-direction: column; text-decoration: none; color: inherit;
  background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg);
  overflow: hidden; box-shadow: var(--shadow-sm);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease); }
.prod:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.prod-top { padding: var(--s-6) var(--s-6) var(--s-4); border-bottom: 1px solid var(--line); }
.prod-amt { font-family: 'Sora', sans-serif; font-weight: 700; font-size: var(--fs-xl);
  letter-spacing: -0.03em; font-variant-numeric: tabular-nums; margin: var(--s-3) 0 var(--s-1); color: var(--navy); }
.prod-amt small { display: block; font-family: 'Manrope', sans-serif; font-size: var(--fs-xs);
  font-weight: 500; color: var(--on-light-dim); letter-spacing: 0; margin-top: 4px; }
.prod-body { padding: var(--s-6); flex: 1; display: flex; flex-direction: column; }
.prod-body .link-arrow { margin-top: auto; }
.sched {
  display: inline-flex; align-items: center; align-self: flex-start; gap: 5px;
  padding: 3px var(--s-3); border-radius: 999px; margin-bottom: var(--s-2);
  font-family: 'Sora', sans-serif; font-size: 10.5px; font-weight: 600;
  letter-spacing: .09em; text-transform: uppercase;
  background: var(--paper-2); color: var(--on-light-dim);
}

/* ---------- Specs / ticks ---------- */
.specs { list-style: none; padding: 0; margin: 0 0 var(--s-5); }
.specs li { display: flex; gap: var(--s-4); padding: var(--s-3) 0; border-bottom: 1px solid var(--line); font-size: var(--fs-sm); }
.band-navy .specs li, .band-deep .specs li { border-color: var(--navy-line); }
.specs li:last-child { border-bottom: 0; }
.specs .k { flex: none; min-width: 10rem; color: var(--on-light-dim); }
.band-navy .specs .k, .band-deep .specs .k { color: var(--on-navy-dim); }
.specs .v { font-weight: 600; font-variant-numeric: tabular-nums; min-width: 0; overflow-wrap: break-word; }
@media (max-width: 520px) { .specs li { flex-direction: column; gap: var(--s-1); } .specs .k { min-width: 0; } }

.ticks { list-style: none; padding: 0; margin: 0 0 var(--s-5); display: grid; gap: var(--s-3); }
.ticks li { display: flex; gap: var(--s-3); align-items: flex-start; font-size: var(--fs-sm); line-height: 1.55; }
.ticks svg { flex: none; color: var(--steel); margin-top: 3px; }
.band-navy .ticks svg, .band-deep .ticks svg { color: var(--grey); }

/* ---------- Split ---------- */
.split { display: grid; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.split > * { min-width: 0; }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; } }
.split-media img { border-radius: var(--r-lg); width: 100%; aspect-ratio: 4/3; object-fit: cover; box-shadow: var(--shadow); }
.split.flip .split-media { order: 2; }
@media (max-width: 899px) { .split.flip .split-media { order: 0; } }

/* ---------- Steps ---------- */
.steps { display: grid; gap: var(--s-6); counter-reset: st; }
@media (min-width: 880px) { .steps { grid-template-columns: repeat(3, 1fr); gap: var(--s-7); } }
.step { counter-increment: st; padding-left: var(--s-8); position: relative; }
.step::before {
  content: counter(st); position: absolute; left: 0; top: 0;
  width: 46px; height: 46px; border-radius: 50%; display: grid; place-items: center;
  background: var(--navy); color: var(--white);
  font-family: 'Sora', sans-serif; font-weight: 700; font-size: var(--fs-md);
}
.band-navy .step::before, .band-deep .step::before { background: var(--grey); color: var(--navy-deep); }
.step h3 { margin-bottom: var(--s-2); }
.step p { font-size: var(--fs-sm); color: var(--on-light-dim); margin: 0; }
.band-navy .step p, .band-deep .step p { color: var(--on-navy-dim); }

/* ---------- Industry tiles ---------- */
.tiles { display: grid; gap: var(--s-4); grid-template-columns: repeat(auto-fit, minmax(min(100%, 15rem), 1fr)); }
.tile { position: relative; border-radius: var(--r-lg); overflow: hidden; min-height: 210px;
  display: flex; align-items: flex-end; text-decoration: none; color: var(--white); isolation: isolate; }
.tile img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: -2;
  transition: transform 500ms var(--ease); }
.tile::after { content:''; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(0deg, rgba(7,26,51,.97) 0%, rgba(7,26,51,.80) 42%, rgba(7,26,51,.34) 100%); }
/* Two of the four industry photos are bright behind the label. The scrim above
   is set for the lightest of them so the 12px sub-label clears 4.5:1 on every
   tile, not just the dark ones. */
.tile:hover img { transform: scale(1.05); }
.tile-label { padding: var(--s-5); }
.tile-label strong { display: block; font-family: 'Sora', sans-serif; font-size: var(--fs-lg); font-weight: 700; letter-spacing: -0.02em; }
/* #C3CDDA measured 4.02:1 against the brightest tile photo — under the 4.5:1
   required for 12px text. #DAE1EA clears it at 4.90:1 with headroom. */
.tile-label span { font-size: var(--fs-xs); color: #DAE1EA; }

.chips { display: flex; flex-wrap: wrap; gap: var(--s-3); }
.chip { display: inline-flex; align-items: center; min-height: 42px; padding: 0 var(--s-4);
  border: 1px solid var(--line); border-radius: 999px; background: var(--white); font-size: var(--fs-sm); }
.band-navy .chip, .band-deep .chip { background: var(--navy-soft); border-color: var(--navy-line); color: var(--on-navy); }

/* ---------- Reviews ---------- */
.review { display: flex; flex-direction: column; gap: var(--s-5);
  background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: var(--s-6); box-shadow: var(--shadow-sm); }
.band-navy .review, .band-deep .review { background: var(--navy-soft); border-color: var(--navy-line); box-shadow: none; }
.review blockquote { margin: 0; font-family: 'Sora', sans-serif; font-size: var(--fs-md);
  font-weight: 500; line-height: 1.5; letter-spacing: -0.02em; }
.review-by { display: flex; align-items: center; gap: var(--s-3); margin-top: auto; }
.review-by img { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; flex: none; }
.review-by strong { display: block; font-size: var(--fs-sm); }
.review-by span { font-size: var(--fs-xs); color: var(--on-light-dim); }
.band-navy .review-by span, .band-deep .review-by span { color: var(--on-navy-dim); }

/* ---------- Accordion ---------- */
.accordion { border-top: 1px solid var(--line); }
.band-navy .accordion, .band-deep .accordion { border-color: var(--navy-line); }
.acc-item { border-bottom: 1px solid var(--line); }
.band-navy .acc-item, .band-deep .acc-item { border-color: var(--navy-line); }
.acc-trigger {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: var(--s-4);
  padding: var(--s-5) 0; background: none; border: 0; text-align: left; color: inherit;
  font-family: 'Sora', sans-serif; font-size: var(--fs-md); font-weight: 600; letter-spacing: -0.02em;
  transition: color var(--dur) var(--ease);
}
.acc-trigger:hover { color: var(--steel); }
.band-navy .acc-trigger:hover, .band-deep .acc-trigger:hover { color: var(--grey); }
.acc-trigger:focus-visible { outline: 3px solid var(--steel); outline-offset: 2px; }
.acc-icon { flex: none; width: 22px; height: 22px; position: relative; }
.acc-icon::before, .acc-icon::after { content:''; position: absolute; left: 50%; top: 50%; background: var(--steel);
  transition: transform var(--dur) var(--ease), opacity var(--dur) var(--ease); }
.band-navy .acc-icon::before, .band-navy .acc-icon::after,
.band-deep .acc-icon::before, .band-deep .acc-icon::after { background: var(--grey); }
.acc-icon::before { width: 14px; height: 2px; transform: translate(-50%,-50%); }
.acc-icon::after  { width: 2px; height: 14px; transform: translate(-50%,-50%); }
.acc-trigger[aria-expanded="true"] .acc-icon::after { transform: translate(-50%,-50%) rotate(90deg); opacity: 0; }
.acc-panel { display: grid; grid-template-rows: 0fr; transition: grid-template-rows 280ms var(--ease); }
.acc-panel > div { overflow: hidden; }
.acc-item.open .acc-panel { grid-template-rows: 1fr; }
.acc-panel p { padding-bottom: var(--s-5); color: var(--on-light-dim); max-width: 70ch; margin: 0; font-size: var(--fs-sm); }
.band-navy .acc-panel p, .band-deep .acc-panel p { color: var(--on-navy-dim); }
.acc-panel p + p { padding-top: var(--s-3); }

/* ---------- Forms ---------- */
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: clamp(1.5rem, 4vw, 2.5rem); box-shadow: var(--shadow); }
.field { margin-bottom: var(--s-5); }
.field label { display: block; font-size: var(--fs-sm); font-weight: 600; margin-bottom: var(--s-2); }
.field .req { color: var(--danger); }
.field .hint { font-size: var(--fs-xs); color: var(--on-light-dim); margin-top: var(--s-2); }
.field input, .field select, .field textarea {
  width: 100%; min-height: 52px; padding: var(--s-3) var(--s-4);
  border: 1px solid var(--line); border-radius: var(--r);
  background: var(--paper); color: var(--on-light); font: inherit; font-size: var(--fs-base);
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease), background var(--dur) var(--ease);
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--steel); background: var(--white);
  box-shadow: 0 0 0 3px rgba(46,92,150,.18);
}
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: var(--danger); }
.field .error { display: none; color: var(--danger); font-size: var(--fs-xs); margin-top: var(--s-2); font-weight: 600; }
.field.invalid .error { display: block; }
.field-row { display: grid; gap: var(--s-4); grid-template-columns: repeat(auto-fit, minmax(min(100%, 13rem), 1fr)); }
.form-note { font-size: var(--fs-xs); color: var(--on-light-dim); margin-top: var(--s-4); }
.form-status { display: none; margin-top: var(--s-5); padding: var(--s-4); border-radius: var(--r);
  font-size: var(--fs-sm); font-weight: 600;
  background: var(--paper-2); color: var(--on-light-dim); border: 1px solid var(--line); }
.form-status.show { display: block; }
.form-status.ok  { background: rgba(29,107,74,.09); color: var(--success); border-color: rgba(29,107,74,.30); }
.form-status.err { background: rgba(163,39,31,.07); color: var(--danger);  border-color: rgba(163,39,31,.30); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- Page head ---------- */
.page-head { background: var(--navy); color: var(--on-navy); padding-block: clamp(3rem, 6vw, 4.5rem); position: relative; overflow: hidden; }
.page-head::before { content:''; position: absolute; inset: 0;
  background: radial-gradient(40rem 20rem at 85% -10%, rgba(46,92,150,.40), transparent 64%); }
.page-head .shell { position: relative; }
.page-head h1 { max-width: 19ch; }
.crumbs { font-size: var(--fs-xs); color: var(--on-navy-dim); margin-bottom: var(--s-4); }
.crumbs a { color: var(--on-navy-dim); text-decoration: none; }
.crumbs a:hover { color: var(--white); }

/* ---------- CTA ---------- */
.cta { background: var(--navy-deep); color: var(--on-navy); position: relative; overflow: hidden; }
.cta::before { content:''; position: absolute; inset: 0;
  background: radial-gradient(44rem 24rem at 12% 110%, rgba(46,92,150,.34), transparent 62%); }
.cta .shell { position: relative; }
.cta h2 { color: var(--white); max-width: 18ch; }
.cta-inner { display: grid; gap: var(--s-6); align-items: center; }
@media (min-width: 860px) { .cta-inner { grid-template-columns: 1.5fr 1fr; } }

/* ---------- Prose ---------- */
.prose { max-width: 72ch; }
.prose h2 { font-size: var(--fs-xl); margin-top: var(--s-8); }
.prose h2:first-child { margin-top: 0; }
.prose p, .prose li { color: var(--on-light-dim); }
.prose li { margin-bottom: var(--s-2); }
.prose strong { color: var(--on-light); }
.prose a { color: var(--steel); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: var(--on-navy-dim); font-size: var(--fs-sm); }
.footer-top { padding-block: var(--s-8); display: grid; gap: var(--s-7); }
@media (min-width: 900px) { .footer-top { grid-template-columns: 1.6fr repeat(3, 1fr); gap: var(--s-6); } }
.footer-brand p { margin-top: var(--s-5); max-width: 34ch; }
.footer-email {
  display: inline-flex; align-items: flex-start; gap: var(--s-2); margin-top: var(--s-4);
  font-family: 'Sora', sans-serif; font-weight: 600; font-size: var(--fs-base);
  color: var(--white); text-decoration: none; max-width: 100%; overflow-wrap: anywhere; line-height: 1.4;
}
.footer-email:hover { color: var(--grey); }
.footer-email svg { flex: none; margin-top: 3px; }
.footer-col h4 { color: var(--white); font-size: 10.5px; letter-spacing: .16em; text-transform: uppercase; margin-bottom: var(--s-4); }
.footer-col ul { list-style: none; padding: 0; margin: 0; display: grid; gap: var(--s-3); }
.footer-col a { text-decoration: none; color: var(--on-navy-dim); }
.footer-col a:hover { color: var(--white); }
.footer-legal { border-top: 1px solid var(--navy-line); padding-block: var(--s-6); }
.footer-legal p { font-size: 11.5px; line-height: 1.7; color: #8296AF; max-width: 94ch; }
.footer-bottom { border-top: 1px solid var(--navy-line); padding-block: var(--s-5);
  display: flex; flex-wrap: wrap; gap: var(--s-4); justify-content: space-between; align-items: center; font-size: var(--fs-xs); }
.footer-bottom nav { display: flex; flex-wrap: wrap; gap: var(--s-5); }
.footer-bottom a { color: var(--on-navy-dim); text-decoration: none; }
.footer-bottom a:hover { color: var(--white); }

/* ---------- Reveal ---------- */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity 620ms var(--ease), transform 620ms var(--ease); }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } }

/* ---------- Payment focus ----------
   The site's headline argument: positive payment structure and positive payment
   history. Given a navy band and extra vertical room so it reads as the anchor
   section rather than one more content block. */
.pay-focus { padding-block: clamp(4rem, 9vw, 7.5rem); }

.pay-cols { display: grid; gap: var(--s-6); }
@media (min-width: 900px) { .pay-cols { grid-template-columns: 1fr 1fr; gap: var(--s-8); } }
.pay-col {
  background: var(--navy-soft); border: 1px solid var(--navy-line);
  border-radius: var(--r-lg); padding: var(--s-6);
}
.pay-col h3 { margin-bottom: var(--s-3); }
.pay-col > p.muted { font-size: var(--fs-sm); margin-bottom: var(--s-5); }
.pay-col .ticks { margin-bottom: 0; }

/* Progression ladder — first facility through to better terms. */
.ladder-wrap { margin-top: clamp(2.5rem, 5vw, 4rem); }
.ladder-wrap .btn { margin-top: var(--s-6); }
.ladder {
  list-style: none; padding: 0; margin: 0;
  display: grid; gap: var(--s-5); counter-reset: none;
}
@media (min-width: 980px) { .ladder { grid-template-columns: repeat(4, 1fr); gap: var(--s-5); } }
.ladder-step { display: flex; gap: var(--s-4); align-items: flex-start; position: relative; }
@media (min-width: 980px) {
  .ladder-step { flex-direction: column; gap: var(--s-3); padding-top: var(--s-5); border-top: 2px solid var(--navy-line); }
  /* The rule above each step brightens along the sequence, so the eye reads it
     as progression rather than four equal items. */
  .ladder-step:nth-child(1) { border-top-color: #2A4C7A; }
  .ladder-step:nth-child(2) { border-top-color: #3D5F8E; }
  .ladder-step:nth-child(3) { border-top-color: #5B7BA6; }
  .ladder-step:nth-child(4) { border-top-color: var(--grey); }
}
.ladder-num {
  flex: none; width: 34px; height: 34px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--grey); color: var(--navy-deep);
  font-family: 'Sora', sans-serif; font-weight: 700; font-size: var(--fs-sm);
}
.ladder-step h4 { color: var(--on-navy); margin: 0 0 var(--s-2); font-size: var(--fs-base); }
.ladder-step p { color: var(--on-navy-dim); font-size: var(--fs-sm); margin: 0; line-height: 1.55; }