/* Layout: white page, navy type, gold as the single accent; one navy band for the LP portal. */
:root{
  --bg:#FFFFFF; --ivory:#FAF6EC; --surface:#F4F6FB; --ink:#1B1F3B; --muted:#56607A; --line:#E4E1D6;
  --navy:#141A47; --navy-2:#1E2761; --on-navy:#FFFFFF; --on-navy-2:#CADCFC;
  --gold:#C9A24B; --gold-text:#86691F; --ok:#2E7D5B; --logo:#141A47; --logo-fold:#3A4690;
  --f-display:"Source Serif 4",Georgia,"Times New Roman",serif;
  --f-body:"IBM Plex Sans",Arial,system-ui,sans-serif;
  --f-mono:"IBM Plex Sans",Arial,system-ui,sans-serif;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#0F1438; --ivory:#151B4A; --surface:#141A47; --ink:#FFFFFF; --muted:#CADCFC; --line:#2A3470;
  --navy:#1E2761; --navy-2:#27327A; --gold-text:#C9A24B; --logo:#FFFFFF; --logo-fold:#CADCFC; color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0F1438; --ivory:#151B4A; --surface:#141A47; --ink:#FFFFFF; --muted:#CADCFC; --line:#2A3470;
  --navy:#1E2761; --navy-2:#27327A; --gold-text:#C9A24B; --logo:#FFFFFF; --logo-fold:#CADCFC; color-scheme:dark}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{background:var(--bg);color:var(--ink);font:400 1rem/1.6 var(--f-body);margin:0;padding:0}
.wrap{max-width:1176px;margin-inline:auto;padding-inline:clamp(16px,4vw,48px)}
.ivory{background:var(--ivory)}
.white{background:var(--bg)}
a{color:inherit}
a:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
h1,h2,h3{font-family:var(--f-display);font-weight:600;text-wrap:balance;margin:0;line-height:1.12}
h1{font-size:clamp(2.2rem,5vw,3.6rem)}
h2{font-size:clamp(1.7rem,3.2vw,2.4rem)}
h3{font-size:1.15rem}
p{margin:0}
.eyebrow{font:600 .75rem/1 var(--f-body);letter-spacing:.16em;text-transform:uppercase;color:var(--gold-text)}
.band .eyebrow{color:var(--gold)}
.lede{font-size:1.1rem;color:var(--muted);max-width:56ch}

header.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:5;background:var(--bg);border-bottom:1px solid var(--line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:14px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font:700 1.05rem/1 var(--f-body);letter-spacing:3px}
nav.links{display:flex;gap:22px;flex-wrap:wrap;font-size:.92rem}
nav.links a{text-decoration:none;color:var(--muted)}
nav.links a:hover{color:var(--ink)}
.btn{display:inline-flex;align-items:center;padding:12px 20px;border-radius:3px;font:600 .92rem/1 var(--f-body);text-decoration:none;background:var(--gold);color:#141A47;border:1px solid var(--gold)}
.btn:hover{opacity:.9}
.btn.line{background:transparent;color:var(--ink);border-color:var(--ink)}

.hero{padding-block:80px 72px}
.hero .wrap > div{display:grid;gap:22px;max-width:760px}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:6px}
.rule{width:56px;height:3px;background:var(--gold)}

section{padding-block:72px}
.sec-head{display:grid;gap:12px;margin-bottom:36px}

/* lifecycle */
.flow{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:2px solid var(--ink);counter-reset:s}
.flow li{list-style:none;padding:22px 22px 22px 0;border-bottom:1px solid var(--line);display:grid;gap:6px;align-content:start;min-width:0}
.flow li:not(:nth-child(3n+1)){padding-left:22px;border-left:1px solid var(--line)}
.flow .n{font:600 .8rem var(--f-body);color:var(--gold-text)}
.flow p{font-size:.9rem;color:var(--muted)}
.flow li.lp{background:var(--navy);color:var(--on-navy);padding-left:22px}
.flow li.lp p{color:var(--on-navy-2)}
.flow li.lp .n{color:var(--gold)}
.flow li.lp a{font:500 .72rem var(--f-mono);color:var(--gold);text-decoration:none;letter-spacing:.08em;text-transform:uppercase;margin-top:4px}
.flow{padding:0;margin:0}
@media (max-width:820px){
  .flow{grid-template-columns:1fr 1fr}
  .flow li:not(:nth-child(3n+1)){padding-left:0;border-left:0}
  .flow li:nth-child(even){padding-left:22px;border-left:1px solid var(--line)}
  .flow li.lp{padding-left:22px}
}
@media (max-width:480px){
  .flow{grid-template-columns:1fr}
  .flow li:nth-child(even){padding-left:0;border-left:0}
  .flow li.lp{padding-left:18px}
}

/* portal band */
.band{background:var(--navy);color:var(--on-navy);border-radius:4px;padding:clamp(24px,5vw,56px);display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.band > div{min-width:0}
.band .lede{color:var(--on-navy-2)}
.band-copy{display:grid;gap:18px}
.checks{display:grid;gap:10px;margin:6px 0 0;padding:0}
.checks li{list-style:none;display:flex;gap:10px;align-items:baseline}
.checks li::before{content:"";flex:none;width:8px;height:8px;background:var(--gold);transform:translateY(-1px) rotate(45deg)}
.mock{background:#FFFFFF;color:#1B1F3B;border-radius:4px;box-shadow:0 20px 50px rgba(0,0,0,.35);overflow:hidden;font-size:.9rem}
.mock-bar{display:flex;justify-content:space-between;gap:10px;padding:11px 16px;border-bottom:1px solid #E1E6F2;font:500 .75rem var(--f-body);color:#5A6478}
.mock-bar b{color:#2E7D5B;font-weight:500}
.mock-body{padding:18px 16px;display:grid;gap:12px}
.mock-body strong{font:500 1.05rem var(--f-display)}
.bar{height:5px;background:#E1E6F2;border-radius:3px;overflow:hidden}
.bar i{display:block;height:100%;width:40%;background:#C9A24B}
.row{display:flex;justify-content:space-between;gap:10px;padding:9px 0;border-bottom:1px solid #F4F6FB}
.row:last-child{border-bottom:0}
.pill{font:600 .68rem/1 var(--f-body);padding:5px 7px;border-radius:3px;white-space:nowrap}
.done{color:#256B4D;background:#E6F2EC}
.act{color:#141A47;background:#F3E8CF}
.next{color:#5A6478;background:#F4F6FB}
@media (max-width:860px){.band{grid-template-columns:1fr}}

/* reliability */
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.trust div{display:grid;gap:10px;align-content:start;border-top:3px solid var(--gold);padding-top:18px;min-width:0}
.trust h3{font-size:1.35rem}
.trust p{font-size:.95rem;color:var(--muted);max-width:36ch}
@media (max-width:820px){.trust{grid-template-columns:1fr}}

.contact{display:grid;gap:24px;justify-items:start}
.btns{display:flex;gap:12px;flex-wrap:wrap}
.btn svg{margin-right:8px;flex:none}
.btn-wa{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-wa:hover{background:var(--ink);color:var(--bg);opacity:1}
.addr-line{font-size:.9rem;color:var(--muted)}
.addr-line b{color:var(--ink);user-select:all}
.wa-float{position:fixed;right:24px;bottom:calc(24px + env(safe-area-inset-bottom,0px));z-index:60;display:inline-flex;align-items:center;gap:8px;padding:12px 18px 12px 14px;border-radius:999px;background:#25D366;color:#0B3D1F;font-weight:600;font-size:.9rem;text-decoration:none;box-shadow:0 10px 30px rgba(20,26,71,.22)}
.wa-float:hover{transform:translateY(-2px)}
@media (max-width:760px){
  .wa-float{right:16px;bottom:calc(16px + env(safe-area-inset-bottom,0px));padding:14px}
  .wa-float span{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
  .btns{flex-direction:column;width:100%}
  .btns .btn{justify-content:center}
}

/* contact form */
/* form */
.apply-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.6fr);gap:48px;align-items:start}
@media (max-width:860px){.apply-grid{grid-template-columns:1fr;gap:28px}}
form.apply{display:grid;gap:18px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media (max-width:560px){.row2{grid-template-columns:1fr}}
.field{display:grid;gap:6px;min-width:0}
.field label,.field .lbl{font-size:.88rem;font-weight:600}
.field .opt{font-weight:400;color:var(--muted)}
.field input[type=text],.field input[type=email],.field input[type=tel],.field input[type=url],.field select,.field textarea{
  font:inherit;font-size:.95rem;padding:11px 12px;border:1px solid var(--line);border-radius:3px;background:var(--surface);color:var(--ink);width:100%}
.field textarea{resize:vertical;min-height:110px}
.field input:focus-visible,.field select:focus-visible,.field textarea:focus-visible{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold)}
.field .hint{font-size:.8rem;color:var(--muted)}
.file-drop{display:flex;align-items:center;gap:12px;flex-wrap:wrap;padding:14px;border:1px dashed var(--muted);border-radius:3px;background:var(--surface)}
.file-drop input{font-size:.9rem;max-width:100%;color:var(--ink)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.9rem}
.consent input{margin-top:4px;flex:none;width:16px;height:16px;accent-color:var(--navy)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.status{font-size:.92rem;min-height:1.4em}
.status.ok{color:var(--ok)}
.status.err{color:#B3261E}
.privacy-note{font-size:.8rem;color:var(--muted)}
.contact-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.5fr);gap:48px;align-items:start}
.contact-grid > div{display:grid;gap:18px;align-content:start}
.contact-grid .btns{flex-direction:column;align-items:flex-start}
@media (max-width:860px){.contact-grid{grid-template-columns:1fr;gap:32px}}
/* insights teaser */
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;padding:0;margin:0;list-style:none}
@media (max-width:900px){.cards{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.cards{grid-template-columns:1fr}}
.cards.two{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:600px){.cards.two{grid-template-columns:1fr}}
.card{background:var(--bg);border:1px solid var(--line);border-radius:4px;display:flex}
.card a{display:grid;gap:10px;align-content:start;padding:24px;text-decoration:none;color:inherit;width:100%}
.card a:hover h3{text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}
.card .cat{font:600 .72rem/1 var(--f-body);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.card h3{font-size:1.2rem}
.card p{font-size:.93rem;color:var(--muted)}
.more-link{display:inline-block;margin-top:24px;font-weight:600;color:var(--ink);text-decoration-color:var(--gold);text-underline-offset:3px;text-decoration-thickness:2px}
@media (max-width:640px){header.top{position:static} nav.links{gap:6px 16px;font-size:.88rem}}
footer{background:var(--navy);color:var(--on-navy-2);padding-block:28px 40px;font-size:.85rem}

/* ---------- insights ---------- */
.crumbs{font-size:.85rem;color:var(--muted);display:flex;gap:8px;flex-wrap:wrap}
.crumbs a{color:var(--muted)}
.crumbs a:hover{color:var(--ink)}
.art-hero{padding-block:56px 40px}
.art-hero .wrap > div{display:grid;gap:18px;max-width:760px}
.art-hero h1{font-size:clamp(2rem,4.4vw,3rem)}
.meta{font-size:.88rem;color:var(--muted)}
.art-body{padding-block:8px 64px}
.prose{max-width:68ch;font-size:1.05rem;line-height:1.75}
.prose > * + *{margin-top:1.1em}
.prose h2{font-size:clamp(1.45rem,2.6vw,1.8rem);margin-top:2.2em}
.prose h3{font-size:1.2rem;margin-top:1.8em}
.prose p, .prose li{color:var(--ink)}
.prose a{color:var(--ink);text-decoration-color:var(--gold);text-underline-offset:3px;text-decoration-thickness:2px}
.prose a:hover{text-decoration-color:var(--ink)}
.prose ul, .prose ol{padding-left:1.3em;display:grid;gap:.45em}
.prose ul li::marker{color:var(--gold)}
.prose ol li::marker{color:var(--gold-text);font-weight:600}
.prose ul:has(.tick){list-style:none;padding-left:0}
.prose .tick{display:inline-block;width:14px;height:14px;border:2px solid var(--gold);border-radius:2px;margin-right:10px;vertical-align:-2px}
.table-wrap{overflow-x:auto;margin-top:1.3em}
.prose table{border-collapse:collapse;width:100%;font-size:.95rem;font-variant-numeric:tabular-nums}
.prose th{text-align:left;font:600 .78rem/1.3 var(--f-body);letter-spacing:.08em;text-transform:uppercase;color:var(--gold-text);border-bottom:2px solid var(--ink);padding:10px 14px 10px 0}
.prose td{border-bottom:1px solid var(--line);padding:12px 14px 12px 0;vertical-align:top}
.cta-box{background:var(--navy);color:var(--on-navy);border-radius:4px;padding:clamp(22px,4vw,36px);display:grid;gap:14px;max-width:68ch;margin-top:48px}
.cta-box h2{font-size:1.5rem;color:var(--on-navy)}
.cta-box p{color:var(--on-navy-2)}
.cta-box .ctas{display:flex;gap:12px;flex-wrap:wrap}
.cta-box .btn.line{color:var(--on-navy);border-color:var(--on-navy-2)}
.sources{max-width:68ch;margin-top:40px;border-top:1px solid var(--line);padding-top:20px;display:grid;gap:10px;font-size:.9rem}
.sources h2{font:600 .75rem/1 var(--f-body);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.sources ol{margin:0;padding-left:1.2em;display:grid;gap:6px;color:var(--muted)}
.sources a{color:var(--muted)}
.disclaimer{max-width:68ch;font-size:.85rem;color:var(--muted);margin-top:16px}
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;padding:0;margin:0;list-style:none}
@media (max-width:900px){.cards{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.cards{grid-template-columns:1fr}}
.card{background:var(--bg);border:1px solid var(--line);border-radius:4px;display:flex}
.card a{display:grid;gap:10px;align-content:start;padding:24px;text-decoration:none;color:inherit;width:100%}
.card a:hover h3{text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}
.card .cat{font:600 .72rem/1 var(--f-body);letter-spacing:.14em;text-transform:uppercase;color:var(--gold-text)}
.card h2,.card h3{font-size:1.2rem;line-height:1.25}
.card p{font-size:.93rem;color:var(--muted)}
.prose td.nw{white-space:nowrap}
.card .mins{font-size:.82rem;color:var(--muted);margin-top:auto}
.ivory .card{background:var(--bg)}
.cards.two{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:600px){.cards.two{grid-template-columns:1fr}}