:root{
  --ink:#09090A;--ink2:#111113;--ink3:#18181B;--line:rgba(255,255,255,.08);--line2:rgba(255,255,255,.14);
  --y:#F7C51A;--y2:#FFD54A;--ydim:rgba(247,197,26,.12);
  --paper:#FBFAF6;--card:#FFFFFF;--text:#121214;--muted:#62646B;--soft:#F3F1EA;--edge:#E8E5DC;
  --r:22px;--shadow:0 1px 2px rgba(16,16,20,.04),0 12px 40px -18px rgba(16,16,20,.18);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,sans-serif;color:var(--text);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;font-size:16px}
h1,h2,h3,h4{font-family:"Inter Tight",Inter,sans-serif;letter-spacing:-.025em;line-height:1.05;font-weight:700}
a{color:inherit;text-decoration:none}
.wrap{max-width:1200px;margin:0 auto;padding:0 32px}
.mono{font-family:"JetBrains Mono",monospace;font-size:.78rem;letter-spacing:.02em}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:.74rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:#8B6B00}
.eyebrow:before{content:"";width:22px;height:2px;background:var(--y);border-radius:2px}
.dark .eyebrow,.human .eyebrow,.ctabox .eyebrow{color:var(--y)}
.btn{display:inline-flex;align-items:center;gap:10px;font-weight:600;font-size:.95rem;padding:14px 22px;border-radius:12px;border:1px solid transparent;white-space:nowrap;transition:transform .2s,background .2s,border-color .2s}
.btn svg{width:16px;height:16px;transition:transform .2s}
.btn:hover svg{transform:translateX(3px)}
.btn-y{background:var(--y);color:#111;box-shadow:0 8px 24px -10px rgba(247,197,26,.7),inset 0 1px 0 rgba(255,255,255,.4)}
.btn-y:hover{background:var(--y2);transform:translateY(-1px)}
.btn-ghost{border-color:var(--line2);color:#fff;background:rgba(255,255,255,.03)}
.btn-ghost:hover{border-color:rgba(255,255,255,.4)}

/* header */
header{position:fixed;inset:0 0 auto;z-index:50;transition:background .3s,border-color .3s;border-bottom:1px solid transparent}
header.scrolled{background:rgba(9,9,10,.8);backdrop-filter:blur(14px) saturate(1.4);-webkit-backdrop-filter:blur(14px);border-color:var(--line)}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:78px}
.logo img{height:50px;display:block}
nav{display:flex;gap:4px;font-size:.92rem}
nav a{color:rgba(255,255,255,.72);padding:8px 14px;border-radius:10px;transition:color .2s,background .2s}
nav a:hover{color:#fff;background:rgba(255,255,255,.06)}
.hbtns{display:flex;gap:8px;align-items:center}
.hbtns .login{color:rgba(255,255,255,.8);font-size:.9rem;font-weight:500;padding:10px 14px}
.hbtns .btn{padding:11px 18px;font-size:.9rem}

/* hero */
.hero{background:var(--ink);color:#fff;padding:168px 0 0;position:relative;overflow:hidden;isolation:isolate}
.grid-bg{position:absolute;inset:0;z-index:-2;background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);background-size:64px 64px;-webkit-mask-image:radial-gradient(ellipse 80% 70% at 50% 30%,#000 30%,transparent 75%);mask-image:radial-gradient(ellipse 80% 70% at 50% 30%,#000 30%,transparent 75%)}
.glow{position:absolute;z-index:-1;width:900px;height:900px;right:-260px;top:-360px;background:radial-gradient(circle,rgba(247,197,26,.22) 0%,rgba(247,197,26,.06) 35%,transparent 65%)}
.glow2{position:absolute;z-index:-1;width:600px;height:600px;left:-300px;bottom:-300px;background:radial-gradient(circle,rgba(247,197,26,.08),transparent 60%)}
.hero-top{display:grid;grid-template-columns:1.12fr .88fr;gap:56px;align-items:center}
.pill{display:inline-flex;align-items:center;gap:10px;padding:6px 14px 6px 6px;border:1px solid var(--line2);border-radius:999px;font-size:.82rem;color:rgba(255,255,255,.8);background:rgba(255,255,255,.03)}
.pill b{background:var(--y);color:#111;border-radius:999px;padding:3px 10px;font-size:.7rem;font-weight:700;letter-spacing:.06em}
.hero h1{font-size:clamp(2.6rem,4.7vw,4.15rem);font-weight:800;margin:26px 0 24px;letter-spacing:-.035em}
.hero h1 span{display:block;white-space:nowrap}
.hero h1 .y{background:linear-gradient(92deg,#F7C51A,#FFE27A 60%,#F7C51A);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{font-size:1.16rem;color:rgba(255,255,255,.7);max-width:540px;margin-bottom:36px;line-height:1.65}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap}
.assure{display:flex;gap:22px;margin-top:30px;flex-wrap:wrap;font-size:.86rem;color:rgba(255,255,255,.62)}
.assure span{display:flex;align-items:center;gap:8px}
.assure svg{width:16px;height:16px;stroke:var(--y);fill:none;stroke-width:2.4}

.dash{position:relative}
.panel{background:linear-gradient(180deg,rgba(255,255,255,.06),rgba(255,255,255,.02));border:1px solid var(--line2);border-radius:24px;padding:22px;box-shadow:0 50px 100px -40px rgba(0,0,0,.9),inset 0 1px 0 rgba(255,255,255,.06)}
.ph{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
.ph h4{font-size:.95rem;font-weight:600;letter-spacing:-.01em}
.dot3{display:flex;gap:6px}.dot3 i{width:9px;height:9px;border-radius:50%;background:rgba(255,255,255,.14)}
.convert{display:grid;gap:8px}
.leg{background:var(--ink3);border:1px solid var(--line);border-radius:16px;padding:14px 16px;display:flex;align-items:center;justify-content:space-between}
.leg small{display:block;color:rgba(255,255,255,.5);font-size:.74rem;margin-bottom:2px}
.leg strong{font-family:"Inter Tight";font-size:1.55rem;font-weight:700;letter-spacing:-.02em}
.leg strong.muted{color:rgba(255,255,255,.4);font-weight:600;font-size:1.1rem}
.ccy{display:flex;align-items:center;gap:8px;background:rgba(255,255,255,.06);border:1px solid var(--line);border-radius:999px;padding:6px 12px 6px 6px;font-weight:600;font-size:.9rem}
.ccy i{width:22px;height:22px;border-radius:50%;display:grid;place-items:center;font-style:normal;font-size:.6rem;font-weight:800;color:#111}
.swap{position:relative;height:0}
.swap span{position:absolute;left:50%;top:-18px;transform:translateX(-50%);width:34px;height:34px;border-radius:10px;background:var(--y);display:grid;place-items:center;box-shadow:0 0 0 5px #141416}
.swap svg{width:16px;height:16px;stroke:#111;fill:none;stroke-width:2.4}
.rate{display:flex;align-items:center;justify-content:space-between;margin:14px 2px 16px;font-size:.84rem;color:rgba(255,255,255,.62)}
.rate b{color:#fff;font-weight:600}
.live{display:inline-flex;align-items:center;gap:8px}
.live:before{content:"";width:7px;height:7px;border-radius:50%;background:#3DDC84;animation:pulse 2s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(61,220,132,.6)}70%{box-shadow:0 0 0 8px rgba(61,220,132,0)}100%{box-shadow:0 0 0 0 rgba(61,220,132,0)}}
.track{border-top:1px solid var(--line);padding-top:14px;display:grid;gap:10px}
.track div{display:flex;align-items:center;gap:12px;font-size:.86rem;color:rgba(255,255,255,.75)}
.track i{width:22px;height:22px;border-radius:50%;display:grid;place-items:center;flex:none;font-style:normal}
.track i.ok{background:rgba(61,220,132,.15);color:#3DDC84}
.track i.now{background:var(--ydim);color:var(--y)}
.track i svg{width:12px;height:12px;stroke:currentColor;fill:none;stroke-width:3}
.track time{margin-left:auto;color:rgba(255,255,255,.4);font-size:.8rem}
.float{position:absolute;background:#fff;color:var(--text);border-radius:16px;padding:12px 16px 12px 12px;box-shadow:0 24px 50px -20px rgba(0,0,0,.6);display:flex;align-items:center;gap:12px;font-size:.82rem;animation:bob 6s ease-in-out infinite;white-space:nowrap}
.float b{display:block;font-family:"Inter Tight";font-size:.95rem}
.float .ic{width:36px;height:36px;border-radius:10px;background:var(--ink);display:grid;place-items:center;flex:none}
.float .ic svg{width:18px;height:18px;stroke:var(--y);fill:none;stroke-width:2.2}
.f1{left:-84px;bottom:-62px}
.f2{right:-26px;top:-28px;animation-delay:-3s}
@keyframes bob{50%{transform:translateY(-8px)}}

.ticker{margin-top:96px;border-top:1px solid var(--line);border-bottom:1px solid var(--line);overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent);mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent)}
.ticker .row{display:flex;gap:48px;width:max-content;padding:20px 0;animation:marquee 55s linear infinite}
.ticker span{display:flex;align-items:center;gap:10px;color:rgba(255,255,255,.5);font-size:.86rem;white-space:nowrap}
.ticker span b{color:#fff;font-weight:600;font-family:"JetBrains Mono";font-size:.8rem}
@keyframes marquee{to{transform:translateX(-50%)}}

.stats{background:var(--ink);color:#fff;padding:56px 0 96px}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.stat{border:1px solid var(--line);border-radius:var(--r);padding:26px 24px;background:linear-gradient(180deg,rgba(255,255,255,.04),transparent)}
.stat b{display:block;font-family:"Inter Tight";font-size:2.6rem;font-weight:800;letter-spacing:-.04em;line-height:1;margin-bottom:10px}
.stat b em{font-style:normal;color:var(--y)}
.stat span{font-size:.92rem;color:rgba(255,255,255,.6)}

section.block{padding:120px 0}
.head{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:56px}
.head h2{font-size:clamp(2.2rem,4vw,3.4rem);font-weight:800;margin-top:16px;max-width:680px;letter-spacing:-.035em}
.head p{color:var(--muted);font-size:1.06rem;max-width:400px}
.dark .head p{color:rgba(255,255,255,.6)}

.bento{display:grid;grid-template-columns:repeat(6,1fr);gap:18px}
.tile{background:var(--card);border:1px solid var(--edge);border-radius:26px;padding:32px;box-shadow:var(--shadow);overflow:hidden;position:relative;display:flex;flex-direction:column}
.t-pay,.t-risk{grid-column:span 3}.t-col{grid-column:span 4}.t-dealer{grid-column:span 2;background:var(--ink);color:#fff;border-color:var(--ink)}
.tile .tag{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#8B6B00;margin-bottom:12px}
.t-dealer .tag{color:var(--y)}
.tile h3{font-size:1.65rem;margin-bottom:10px}
.tile p{color:var(--muted);max-width:440px}
.t-dealer p{color:rgba(255,255,255,.66)}
.viz{margin-top:28px;flex:1;display:flex;align-items:flex-end}
.flow{width:100%;display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:14px;background:var(--soft);border-radius:18px;padding:18px}
.node{background:#fff;border-radius:14px;padding:12px 14px;box-shadow:var(--shadow);font-size:.8rem}
.node b{display:block;font-family:"Inter Tight";font-size:1rem}
.node small{color:var(--muted)}
.path{height:2px;background:repeating-linear-gradient(90deg,#111 0 6px,transparent 6px 12px);position:relative;opacity:.35}
.path:after{content:"";position:absolute;right:-2px;top:-4px;border:5px solid transparent;border-left:7px solid #111}
.chart{width:100%;height:150px}
.legend{display:flex;gap:18px;font-size:.8rem;color:var(--muted);margin-top:10px}
.legend i{display:inline-block;width:14px;height:3px;border-radius:2px;margin-right:6px;vertical-align:middle}
.accts{width:100%;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.acct{background:var(--soft);border-radius:16px;padding:16px}
.acct .top{display:flex;align-items:center;gap:8px;font-weight:600;font-size:.88rem;margin-bottom:14px}
.acct .top i{width:24px;height:24px;border-radius:50%;display:grid;place-items:center;font-style:normal;font-size:.6rem;font-weight:800;color:#111}
.acct small{display:block;color:var(--muted);font-size:.76rem}
.dealer-card{margin-top:auto;background:rgba(255,255,255,.05);border:1px solid var(--line);border-radius:18px;padding:16px;display:flex;align-items:center;gap:14px}
.avatar{width:48px;height:48px;border-radius:50%;background:linear-gradient(135deg,#F7C51A,#B98F00);display:grid;place-items:center;font-family:"Inter Tight";font-weight:800;color:#111;flex:none}
.dealer-card b{display:block;font-family:"Inter Tight"}
.dealer-card small{color:rgba(255,255,255,.55)}

.how{background:var(--ink);color:#fff}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;position:relative}
.steps:before{content:"";position:absolute;top:31px;left:64px;right:12%;height:2px;background:linear-gradient(90deg,var(--y),rgba(247,197,26,.12))}
.step{position:relative}
.step .n{width:64px;height:64px;border-radius:20px;background:var(--ink);border:1px solid var(--line2);display:grid;place-items:center;font-family:"Inter Tight";font-weight:800;font-size:1.3rem;color:var(--y);margin-bottom:26px;position:relative;z-index:1}
.step:first-child .n{background:var(--y);color:#111;border-color:var(--y)}
.step h3{font-size:1.45rem;margin-bottom:10px}
.step p{color:rgba(255,255,255,.62);max-width:320px}
.step .t{display:inline-block;margin-top:14px;font-size:.78rem;color:var(--y);border:1px solid rgba(247,197,26,.3);border-radius:999px;padding:4px 10px}

.who{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:center}
.who h2{font-size:clamp(2.1rem,3.6vw,3rem);font-weight:800;margin:16px 0 18px;letter-spacing:-.035em}
.who .copy>p{color:var(--muted);font-size:1.06rem}
.roles{display:flex;flex-wrap:wrap;gap:8px;margin-top:26px}
.roles span{background:#fff;border:1px solid var(--edge);border-radius:999px;padding:8px 14px;font-size:.88rem;font-weight:500}
.cases{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.case{background:#fff;border:1px solid var(--edge);border-radius:22px;padding:26px;box-shadow:var(--shadow);transition:transform .25s}
.case:hover{transform:translateY(-3px)}
.case .ic{width:44px;height:44px;border-radius:13px;background:var(--ydim);display:grid;place-items:center;margin-bottom:18px}
.case .ic svg{width:22px;height:22px;stroke:#8B6B00;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.case h4{font-size:1.15rem;margin-bottom:6px}
.case p{color:var(--muted);font-size:.93rem}

.sec{background:var(--soft)}
.secgrid{display:grid;grid-template-columns:1.15fr .85fr;gap:20px}
.secmain{background:#fff;border:1px solid var(--edge);border-radius:28px;padding:40px;box-shadow:var(--shadow)}
.secmain h3{font-size:2rem;margin-bottom:14px;letter-spacing:-.03em}
.secmain>p{color:var(--muted);margin-bottom:26px;max-width:520px}
.checks{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.check{display:flex;gap:12px;align-items:flex-start;background:var(--soft);border-radius:16px;padding:16px}
.check i{width:28px;height:28px;border-radius:9px;background:var(--ink);display:grid;place-items:center;flex:none}
.check i svg{width:14px;height:14px;stroke:var(--y);fill:none;stroke-width:2.6}
.check b{display:block;font-size:.95rem;margin-bottom:2px}
.check span{font-size:.86rem;color:var(--muted)}
.human{background:var(--ink);color:#fff;border-radius:28px;padding:40px;position:relative;overflow:hidden;display:flex;flex-direction:column}
.human:after{content:"";position:absolute;right:-120px;bottom:-120px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(247,197,26,.25),transparent 65%)}
.human .q{font-family:"Inter Tight";font-size:1.85rem;font-weight:700;line-height:1.15;letter-spacing:-.025em;margin:18px 0}
.human .q em{font-style:normal;color:var(--y)}
.human p{color:rgba(255,255,255,.66);position:relative;z-index:1}
.human .call{margin-top:auto;padding-top:28px;display:flex;align-items:center;gap:12px;font-size:.9rem;color:rgba(255,255,255,.85);position:relative;z-index:1}
.human .call span{width:40px;height:40px;border-radius:12px;background:var(--y);display:grid;place-items:center}
.human .call svg{width:18px;height:18px;stroke:#111;fill:none;stroke-width:2.2}
.flag{display:inline-block;margin-top:16px;background:var(--ydim);color:#7A5E00;border-radius:8px;padding:3px 9px;font-size:.72rem;font-weight:600}

.faq{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px}
.faq h2{font-size:clamp(2.1rem,3.6vw,3rem);font-weight:800;margin-top:16px;letter-spacing:-.035em}
.faq .copy p{color:var(--muted);margin-top:16px}
details{border-bottom:1px solid var(--edge);padding:22px 0}
details:first-child{border-top:1px solid var(--edge)}
summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:20px;font-family:"Inter Tight";font-size:1.18rem;font-weight:600;letter-spacing:-.01em}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";width:30px;height:30px;border-radius:50%;border:1px solid var(--edge);display:grid;place-items:center;flex:none;font-weight:400;transition:transform .2s,background .2s}
details[open] summary:after{transform:rotate(45deg);background:var(--y);border-color:var(--y)}
details p{color:var(--muted);margin-top:12px;max-width:620px}

.final{padding:0 0 120px}
.ctabox{background:var(--ink);color:#fff;border-radius:34px;padding:72px;display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center;position:relative;overflow:hidden}
.ctabox:before{content:"";position:absolute;inset:0;background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);background-size:48px 48px;-webkit-mask-image:radial-gradient(ellipse at 80% 50%,#000,transparent 70%);mask-image:radial-gradient(ellipse at 80% 50%,#000,transparent 70%)}
.ctabox>*{position:relative}
.ctabox h2{font-size:clamp(2.2rem,4vw,3.4rem);font-weight:800;letter-spacing:-.035em;margin:16px 0}
.ctabox h2 em{font-style:normal;color:var(--y)}
.ctabox p{color:rgba(255,255,255,.66);font-size:1.08rem;margin-bottom:30px;max-width:520px}
.cal{background:#fff;color:var(--text);border-radius:22px;padding:22px;box-shadow:0 40px 80px -30px rgba(0,0,0,.7)}
.cal .ch{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.cal .ch b{display:block;font-family:"Inter Tight"}
.cal .ch small{color:var(--muted);font-size:.8rem}
.days{display:grid;grid-template-columns:repeat(5,1fr);gap:6px;margin-bottom:14px}
.days div{text-align:center;border-radius:12px;padding:8px 0;font-size:.76rem;color:var(--muted);border:1px solid var(--edge)}
.days div b{display:block;font-family:"Inter Tight";font-size:1.05rem;color:var(--text)}
.days .on{background:var(--ink);border-color:var(--ink);color:rgba(255,255,255,.7)}
.days .on b{color:var(--y)}
.slots{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.slots span{text-align:center;border:1px solid var(--edge);border-radius:10px;padding:9px;font-size:.85rem;font-weight:500}
.slots span.pick{background:var(--y);border-color:var(--y);font-weight:700}

footer{background:var(--ink);color:rgba(255,255,255,.55);padding:72px 0 40px;font-size:.88rem}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:44px;border-bottom:1px solid var(--line)}
.fgrid img{height:48px;margin-bottom:18px}
.fgrid p{max-width:300px}
.fgrid h5{font-family:"Inter Tight";color:#fff;font-size:.95rem;margin-bottom:14px}
.fgrid ul{list-style:none;display:grid;gap:10px}
.fgrid a:hover{color:#fff}
.legal{font-size:.78rem;line-height:1.75;margin-top:28px;max-width:1000px;color:rgba(255,255,255,.45)}
.legal .fl{display:inline-block;background:rgba(247,197,26,.14);color:var(--y);border-radius:6px;padding:1px 7px;font-weight:600;margin-left:4px}
.bottom{display:flex;justify-content:space-between;margin-top:22px;font-size:.8rem;color:rgba(255,255,255,.4)}

.rv{opacity:0;transform:translateY(22px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1)}
.rv.in{opacity:1;transform:none}
.d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none}.ticker .row,.float,.live:before{animation:none}}

@media(max-width:1020px){
  nav{display:none}
  .hero-top,.who,.secgrid,.faq,.ctabox{grid-template-columns:1fr}
  .f1{left:-6px;bottom:-34px}.f2{right:-6px}
  .bento{grid-template-columns:1fr}.t-pay,.t-risk,.t-col,.t-dealer{grid-column:auto}
  .stats .wrap{grid-template-columns:1fr 1fr}
  .fgrid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .wrap{padding:0 18px}
  header .wrap{height:66px}.logo img{height:40px}.hbtns .login{display:none}
  .hero{padding:116px 0 0}
  .hero h1{font-size:2.3rem}
  .hero h1 span{white-space:normal}
  .assure{gap:12px 18px}
  section.block{padding:80px 0}
  .head{flex-direction:column;align-items:flex-start;margin-bottom:36px}
  .tile,.secmain,.human{padding:26px}
  .accts{grid-template-columns:1fr}
  .flow{grid-template-columns:1fr;text-align:center}.path{height:28px;width:2px;margin:0 auto;background:repeating-linear-gradient(180deg,#111 0 6px,transparent 6px 12px)}.path:after{display:none}
  .steps{grid-template-columns:1fr;gap:34px}.steps:before{display:none}
  .checks,.cases{grid-template-columns:1fr}
  .ctabox{padding:36px 24px;border-radius:26px}
  .stat b{font-size:2.1rem}
  .fgrid{grid-template-columns:1fr}
  .bottom{flex-direction:column;gap:6px}
  .f1{display:none}.f2{top:-22px;right:4px}
  .rate{flex-direction:column;align-items:flex-start;gap:4px}
  .ticker{margin-top:72px}
}

/* ---------- v3 additions ---------- */
.hbtns .open{color:#fff;font-size:.9rem;font-weight:600;padding:10px 16px;border:1px solid var(--line2);border-radius:12px}
.hbtns .open:hover{border-color:rgba(255,255,255,.4)}
.hero .photo{position:absolute;inset:0;z-index:-3;background:url(photo-port.jpg) center 60%/cover no-repeat;opacity:.28;-webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 55%);mask-image:linear-gradient(90deg,transparent 0%,#000 55%)}
.hero .photo:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(9,9,10,.2),var(--ink) 92%)}

/* comparison */
.compare{background:var(--paper)}
.ctable{background:#fff;border:1px solid var(--edge);border-radius:28px;box-shadow:var(--shadow);overflow:hidden}
.crow{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.1fr;align-items:center}
.crow>div{padding:20px 26px;border-bottom:1px solid var(--edge)}
.crow:last-child>div{border-bottom:0}
.crow .f{font-weight:600;font-family:"Inter Tight";font-size:1.02rem;letter-spacing:-.01em}
.crow .f small{display:block;font-family:Inter;font-weight:400;color:var(--muted);font-size:.84rem;margin-top:2px}
.crow .c{text-align:center}
.crow .us{background:var(--ink);color:#fff;text-align:center;border-bottom-color:rgba(255,255,255,.08)}
.chead>div{font-size:.74rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);padding-top:22px;padding-bottom:22px}
.chead .us{color:var(--y);border-top-left-radius:0}
.chead .us img{height:30px;display:block;margin:0 auto}
.mk{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:50%}
.mk svg{width:15px;height:15px;fill:none;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.mk.yes{background:var(--y)}.mk.yes svg{stroke:#111}
.mk.part{background:var(--soft)}.mk.part svg{stroke:#9A968A}
.mk.no{background:transparent;border:1px solid var(--edge)}.mk.no svg{stroke:#C9C5BA}
.ckey{display:flex;gap:22px;flex-wrap:wrap;margin-top:18px;font-size:.84rem;color:var(--muted);align-items:center}
.ckey span{display:flex;align-items:center;gap:8px}
.ckey .mk{width:22px;height:22px}.ckey .mk svg{width:11px;height:11px}

/* risk deep dive */
.risk{background:#fff;border-top:1px solid var(--edge);border-bottom:1px solid var(--edge)}
.rgrid{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}
.tabs{display:grid;gap:12px}
.tab{display:flex;gap:16px;align-items:flex-start;padding:20px 22px;border:1px solid var(--edge);border-radius:20px;cursor:pointer;transition:border-color .2s,background .2s,box-shadow .2s;background:#fff;text-align:left;font:inherit;color:inherit;width:100%}
.tab:hover{border-color:#D9D4C6}
.tab.on{border-color:var(--ink);box-shadow:0 18px 40px -24px rgba(0,0,0,.35)}
.tab .ti{width:42px;height:42px;border-radius:12px;background:var(--soft);display:grid;place-items:center;flex:none;transition:background .2s}
.tab.on .ti{background:var(--ink)}
.tab .ti svg{width:20px;height:20px;fill:none;stroke:#8B6B00;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.tab.on .ti svg{stroke:var(--y)}
.tab b{display:block;font-family:"Inter Tight";font-size:1.12rem;letter-spacing:-.01em}
.tab span{color:var(--muted);font-size:.92rem}
.stage{background:var(--ink);color:#fff;border-radius:28px;padding:34px;min-height:100%;position:relative;overflow:hidden}
.stage:before{content:"";position:absolute;right:-140px;top:-140px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(247,197,26,.22),transparent 65%)}
.pane{display:none;position:relative}.pane.on{display:block;animation:fade .45s ease}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.pane h3{font-size:1.9rem;letter-spacing:-.03em;margin:12px 0 10px}
.pane>p{color:rgba(255,255,255,.7);max-width:520px}
.scenario{margin:24px 0;background:rgba(255,255,255,.05);border:1px solid var(--line);border-radius:18px;padding:18px 20px}
.scenario small{display:block;color:var(--y);font-weight:600;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:6px}
.scenario p{color:rgba(255,255,255,.85)}
.rchart{width:100%;height:170px;display:block}
.rlegend{display:flex;gap:18px;font-size:.8rem;color:rgba(255,255,255,.6);margin-top:8px;flex-wrap:wrap}
.rlegend i{display:inline-block;width:14px;height:3px;border-radius:2px;margin-right:6px;vertical-align:middle}
.good{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:22px}
.good div{font-size:.88rem;color:rgba(255,255,255,.75);display:flex;gap:10px;align-items:flex-start}
.good svg{width:16px;height:16px;flex:none;margin-top:3px;fill:none;stroke:var(--y);stroke-width:2.6}

/* photo band */
.band{position:relative;min-height:520px;display:flex;align-items:flex-end;color:#fff;overflow:hidden;background:#0b0b0b}
.band img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.band:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(9,9,10,.92) 0%,rgba(9,9,10,.55) 45%,rgba(9,9,10,.1) 100%),linear-gradient(0deg,rgba(9,9,10,.6),transparent 50%)}
.band .wrap{position:relative;z-index:1;padding-bottom:72px;width:100%}
.band h2{font-size:clamp(2rem,4vw,3.3rem);font-weight:800;letter-spacing:-.035em;max-width:640px;line-height:1.08}
.band h2 em{font-style:normal;color:var(--y)}
.band p{color:rgba(255,255,255,.75);max-width:520px;margin-top:16px;font-size:1.08rem}

/* photos in cards */
.photo-card{position:relative;border-radius:26px;overflow:hidden;min-height:460px;box-shadow:var(--shadow)}
.photo-card img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.photo-card .cap{position:absolute;left:18px;right:18px;bottom:18px;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-radius:16px;padding:14px 16px;display:flex;gap:12px;align-items:center;font-size:.86rem}
.photo-card .cap b{display:block;font-family:"Inter Tight";font-size:.98rem}
.photo-card .cap .ic{width:38px;height:38px;border-radius:11px;background:var(--ink);display:grid;place-items:center;flex:none}
.photo-card .cap .ic svg{width:18px;height:18px;stroke:var(--y);fill:none;stroke-width:2.2}
.who3{display:grid;grid-template-columns:.95fr 1.05fr;gap:56px;align-items:center}
.human .ph-top{margin:-40px -40px 26px;height:220px;position:relative}
.human .ph-top img{width:100%;height:100%;object-fit:cover;display:block}
.human .ph-top:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,var(--ink),transparent 60%)}
.case.wide{grid-column:span 2;padding:0;overflow:hidden;display:grid;grid-template-columns:1fr 1fr}
.case.wide img{width:100%;height:100%;object-fit:cover;min-height:200px}
.case.wide .in{padding:26px}

/* commitment */
.commit{margin-top:20px;background:#fff;border:1px solid var(--edge);border-radius:28px;padding:34px 40px;display:grid;grid-template-columns:auto 1fr;gap:28px;align-items:start;box-shadow:var(--shadow)}
.commit .seal{width:64px;height:64px;border-radius:18px;background:var(--ink);display:grid;place-items:center}
.commit .seal svg{width:30px;height:30px;stroke:var(--y);fill:none;stroke-width:2}
.commit h4{font-size:1.35rem;margin-bottom:8px}
.commit p{color:var(--muted)}

/* team */
.team{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.person{background:#fff;border:1px solid var(--edge);border-radius:26px;overflow:hidden;box-shadow:var(--shadow);display:grid;grid-template-columns:200px 1fr}
.person .pic{background:repeating-linear-gradient(135deg,#F3F1EA 0 12px,#ECE9E0 12px 24px);display:grid;place-items:center;color:#9A968A;font-size:.8rem;font-weight:600;text-align:center;padding:12px;min-height:240px}
.person .pic svg{width:44px;height:44px;stroke:#B9B4A6;fill:none;stroke-width:1.6;display:block;margin:0 auto 8px}
.person .bio{padding:28px}
.person .bio small{color:#8B6B00;font-weight:700;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase}
.person .bio h4{font-size:1.4rem;margin:8px 0 10px}
.person .bio p{color:var(--muted);font-size:.95rem}

/* resources */
.res{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:20px}
.doc{display:flex;gap:20px;align-items:center;background:var(--ink);color:#fff;border-radius:24px;padding:24px;transition:transform .2s}
.doc:hover{transform:translateY(-2px)}
.doc .cover{width:84px;height:108px;border-radius:10px;background:linear-gradient(160deg,#1d1d20,#0c0c0d);border:1px solid var(--line2);position:relative;flex:none;overflow:hidden}
.doc .cover:before{content:"";position:absolute;left:10px;right:10px;top:12px;height:6px;border-radius:3px;background:var(--y)}
.doc .cover:after{content:"";position:absolute;left:10px;right:22px;top:26px;bottom:14px;background:repeating-linear-gradient(180deg,rgba(255,255,255,.18) 0 3px,transparent 3px 9px)}
.doc b{display:block;font-family:"Inter Tight";font-size:1.15rem;margin-bottom:4px}
.doc span{color:rgba(255,255,255,.6);font-size:.9rem}
.doc .dl{margin-left:auto;width:42px;height:42px;border-radius:12px;background:var(--y);display:grid;place-items:center;flex:none}
.doc .dl svg{width:18px;height:18px;stroke:#111;fill:none;stroke-width:2.4}

@media(max-width:1020px){
  .rgrid,.who3{grid-template-columns:1fr}
  .team,.res{grid-template-columns:1fr}
  .hbtns .open{display:none}
}
@media(max-width:640px){
  .crow{grid-template-columns:1.5fr .8fr .8fr .9fr}
  .crow>div{padding:14px 8px}.crow .f{font-size:.86rem}.crow .f small{display:none}
  .chead>div{font-size:.58rem;letter-spacing:.06em}
  .chead .us img{height:20px}
  .mk{width:24px;height:24px}.mk svg{width:12px;height:12px}
  .stage{padding:24px}.good{grid-template-columns:1fr}
  .band{min-height:440px}.band .wrap{padding-bottom:44px}
  .photo-card{min-height:320px}
  .human .ph-top{margin:-26px -26px 22px;height:180px}
  .case.wide{grid-column:auto;grid-template-columns:1fr}
  .person{grid-template-columns:1fr}.person .pic{min-height:180px}
  .commit{grid-template-columns:1fr;padding:26px}
  .doc .cover{width:64px;height:84px}
}

.crow{align-items:stretch}.crow>div{display:flex;align-items:center}.crow .f{display:block;align-self:center}.crow .c,.crow .us{justify-content:center}
.chead .us{display:flex}
.who3{align-items:start}
.who3 h2{font-size:clamp(2.1rem,3.6vw,3rem);font-weight:800;margin:16px 0 18px;letter-spacing:-.035em}
.who3 .copy>p{color:var(--muted);font-size:1.06rem}
.who3 .copy{position:sticky;top:110px}
.case.wide2{grid-column:span 2}
.hero .photo{opacity:.36}
@media(max-width:1020px){.who3 .copy{position:static}}
@media(max-width:640px){.case.wide2{grid-column:auto}}

/* ---------- multipage ---------- */
nav a.cur{color:#fff;background:rgba(255,255,255,.08)}
.phero{background:var(--ink);color:#fff;padding:170px 0 90px;position:relative;overflow:hidden;isolation:isolate}
.phero .bg{position:absolute;inset:0;z-index:-2;background-size:cover;background-position:center;opacity:.32}
.phero .bg:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--ink) 15%,rgba(9,9,10,.55) 60%,rgba(9,9,10,.25)),linear-gradient(0deg,var(--ink),transparent 40%)}
.phero .glow{position:absolute;z-index:-1;width:700px;height:700px;right:-220px;top:-300px;background:radial-gradient(circle,rgba(247,197,26,.18),transparent 65%)}
.crumb{font-size:.82rem;color:rgba(255,255,255,.5);margin-bottom:22px}
.crumb a:hover{color:#fff}.crumb span{margin:0 8px}
.phero h1{font-size:clamp(2.6rem,5vw,4.2rem);font-weight:800;letter-spacing:-.035em;max-width:820px}
.phero h1 em{font-style:normal;color:var(--y)}
.phero p{color:rgba(255,255,255,.72);font-size:1.15rem;max-width:620px;margin-top:22px}
.phero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}
.jump{display:flex;gap:10px;flex-wrap:wrap;margin-top:36px}
.jump a{border:1px solid var(--line2);border-radius:999px;padding:8px 16px;font-size:.88rem;color:rgba(255,255,255,.85);background:rgba(255,255,255,.03)}
.jump a:hover{border-color:var(--y);color:#fff}

.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split.rev .media{order:2}
.split .media{border-radius:28px;overflow:hidden;min-height:460px;position:relative;box-shadow:var(--shadow)}
.split .media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.split h2{font-size:clamp(2.1rem,3.6vw,3rem);font-weight:800;letter-spacing:-.035em;margin:16px 0 18px}
.split .lead{color:var(--muted);font-size:1.08rem;margin-bottom:24px}
.ticks{list-style:none;display:grid;gap:14px;margin-bottom:28px}
.ticks li{display:flex;gap:12px;align-items:flex-start}
.ticks li i{width:26px;height:26px;border-radius:8px;background:var(--ink);display:grid;place-items:center;flex:none;margin-top:1px}
.ticks li i svg{width:13px;height:13px;stroke:var(--y);fill:none;stroke-width:2.8}
.ticks b{display:block;font-family:"Inter Tight";font-size:1.02rem}
.ticks span{color:var(--muted);font-size:.94rem}
.dark .ticks span{color:rgba(255,255,255,.62)}
.dark .split .lead{color:rgba(255,255,255,.66)}

.mini{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.mini div{background:#fff;border:1px solid var(--edge);border-radius:20px;padding:22px}
.mini b{display:block;font-family:"Inter Tight";font-size:1.05rem;margin:12px 0 4px}
.mini span{color:var(--muted);font-size:.92rem}
.mini .n{width:34px;height:34px;border-radius:10px;background:var(--y);display:grid;place-items:center;font-family:"Inter Tight";font-weight:800}

.fraud{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.fraud div{background:rgba(255,255,255,.04);border:1px solid var(--line);border-radius:20px;padding:24px}
.fraud b{display:block;font-family:"Inter Tight";font-size:1.12rem;margin-bottom:6px}
.fraud span{color:rgba(255,255,255,.62);font-size:.95rem}
.fraud i{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:11px;background:var(--y);margin-bottom:14px;font-style:normal}
.fraud i svg{width:18px;height:18px;stroke:#111;fill:none;stroke-width:2.2}

.disclosure{background:#fff;border:1px solid var(--edge);border-radius:24px;padding:30px 34px;font-size:.92rem;color:var(--muted)}
.disclosure h4{color:var(--text);font-size:1.15rem;margin-bottom:10px}
.disclosure dl{display:grid;grid-template-columns:220px 1fr;gap:10px 20px;margin-top:16px}
.disclosure dt{font-weight:600;color:var(--text)}

.values{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.values div{background:var(--card);border:1px solid var(--edge);border-radius:24px;padding:30px;box-shadow:var(--shadow)}
.values .big{font-family:"Inter Tight";font-size:3rem;font-weight:800;color:var(--y);line-height:1;letter-spacing:-.04em}
.values h3{font-size:1.4rem;margin:14px 0 8px}
.values p{color:var(--muted)}

.contact{display:grid;grid-template-columns:1.1fr .9fr;gap:28px;align-items:start}
.formcard{background:#fff;border:1px solid var(--edge);border-radius:28px;padding:36px;box-shadow:var(--shadow)}
.formcard h3{font-size:1.6rem;margin-bottom:6px}
.formcard>p{color:var(--muted);margin-bottom:24px}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fld{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.fld label{font-size:.84rem;font-weight:600}
.fld input,.fld select,.fld textarea{font:inherit;font-size:16px;padding:12px 14px;border:1px solid var(--edge);border-radius:12px;background:var(--paper)}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:2px solid var(--y);outline-offset:0;border-color:transparent;background:#fff}
.fld textarea{min-height:110px;resize:vertical}
.formcard .btn{width:100%;justify-content:center;margin-top:6px}
.formcard .fine{font-size:.8rem;color:var(--muted);margin-top:12px;text-align:center}
.side{display:grid;gap:16px}
.side .cal{box-shadow:var(--shadow);border:1px solid var(--edge)}
.reach{background:var(--ink);color:#fff;border-radius:24px;padding:28px}
.reach h4{font-size:1.2rem;margin-bottom:16px}
.reach a{display:flex;align-items:center;gap:12px;padding:12px 0;border-top:1px solid var(--line);color:rgba(255,255,255,.85)}
.reach a:first-of-type{border-top:0}
.reach a span{width:38px;height:38px;border-radius:11px;background:rgba(255,255,255,.06);display:grid;place-items:center}
.reach a svg{width:17px;height:17px;stroke:var(--y);fill:none;stroke-width:2}
.reach small{display:block;color:rgba(255,255,255,.5);font-size:.78rem}
.reach .hrs{margin-top:14px;font-size:.84rem;color:rgba(255,255,255,.55)}

@media(max-width:1020px){
  .split,.contact{grid-template-columns:1fr;gap:36px}.split.rev .media{order:0}
  .mini{grid-template-columns:1fr 1fr}.values{grid-template-columns:1fr}.fraud{grid-template-columns:1fr}
}
@media(max-width:640px){
  .phero{padding:118px 0 64px}
  .split .media{min-height:280px}
  .mini{grid-template-columns:1fr}
  .frow{grid-template-columns:1fr;gap:0}
  .formcard{padding:24px}
  .disclosure dl{grid-template-columns:1fr;gap:4px}
}
/* Footer brand: logo centred and larger, block ends level with the link columns (Shane, Oct 23) */
.fgrid>div:first-child{text-align:center}
.fgrid>div:first-child img{height:62px;display:block;margin:0 auto 4px}
.fgrid>div:first-child p{margin:0 auto;max-width:none;font-size:.8rem;line-height:1.6}

/* nav dropdowns */
html{scroll-padding-top:96px}
nav .dd{position:relative}
nav .dd>a{display:inline-flex;align-items:center;gap:5px}
nav .dd>a svg{width:12px;height:12px;opacity:.6;transition:transform .2s}
nav .dd:hover>a svg,nav .dd:focus-within>a svg{transform:rotate(180deg)}
nav .ddm{position:absolute;top:100%;left:0;min-width:240px;padding:8px;margin-top:6px;background:rgba(14,14,16,.97);border:1px solid var(--line2);border-radius:14px;box-shadow:0 18px 40px rgba(0,0,0,.35);display:flex;flex-direction:column;gap:2px;opacity:0;visibility:hidden;transform:translateY(-4px);transition:opacity .18s,transform .18s,visibility .18s}
nav .ddm:before{content:"";position:absolute;left:0;right:0;top:-10px;height:10px}
nav .dd:hover .ddm,nav .dd:focus-within .ddm{opacity:1;visibility:visible;transform:none}
nav .ddm a{display:block;padding:10px 12px;font-size:.88rem;white-space:nowrap}
nav a{white-space:nowrap}
.hbtns a{white-space:nowrap}

/* mobile menu */
.mtog{display:none;width:44px;height:44px;border:1px solid var(--line2);border-radius:12px;background:rgba(255,255,255,.04);flex-direction:column;align-items:center;justify-content:center;gap:5px;cursor:pointer;padding:0}
.mtog span{display:block;width:18px;height:2px;background:#fff;border-radius:2px;transition:transform .2s,opacity .2s}
.mopen .mtog span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.mopen .mtog span:nth-child(2){opacity:0}
.mopen .mtog span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mnav{position:fixed;inset:78px 0 0;z-index:49;background:var(--ink);overflow-y:auto;padding:12px 22px 32px;display:flex;flex-direction:column;justify-content:space-between;gap:28px}
.mnav[hidden]{display:none}
.mopen,.mopen body{overflow:hidden}
.mopen header{background:var(--ink);border-color:var(--line)}
.mgrp{border-bottom:1px solid var(--line);padding:14px 0}
.mtop{display:block;color:#fff;font-size:1.25rem;font-weight:600;padding:4px 0}
.msub{display:flex;flex-direction:column;margin-top:6px}
.msub a{color:rgba(255,255,255,.66);font-size:.95rem;padding:8px 0}
.macts{display:flex;flex-direction:column;gap:10px}
.macts .btn{justify-content:center;padding:15px 18px}
.mbtn{display:block;text-align:center;color:#fff;font-weight:600;padding:14px 16px;border:1px solid var(--line2);border-radius:12px}
@media(max-width:1020px){.mtog{display:inline-flex}}
@media(max-width:640px){.mnav{inset:66px 0 0;padding:8px 18px 28px}.hbtns>.btn-y{padding:10px 14px;font-size:.85rem}}