/* =========================================================
   Financial Passport — styles
   Tokens follow the UI/UX & Motion Brief, sections 12–17.
   ========================================================= */
:root{
  /* colour */
  --navy-900:#1B2A4E; --navy-600:#2E4A8C; --slate:#4A5878; --muted:#6B7690;
  --green:#187A4F; --mint:#E8F5EE; --amber:#F5B942; --amber-tint:#FEF4DE;
  --cloud:#F4F6FB; --line:#DCE1EC; --error:#C73A3A; --white:#FFFFFF;
  /* motion */
  --dur-instant:100ms; --dur-fast:150ms; --dur-base:250ms; --dur-slow:400ms; --dur-story:700ms;
  --stagger:70ms;
  --ease-out:cubic-bezier(.16,1,.3,1); --ease-in:cubic-bezier(.4,0,1,1);
  --ease-standard:cubic-bezier(.2,0,0,1);
  --ease-spring:cubic-bezier(.34,1.56,.64,1);
  /* shape */
  --radius-card:16px; --radius-input:12px; --radius-pill:999px;
  --shadow-1:0 2px 8px rgba(27,42,78,.06); --shadow-2:0 12px 28px rgba(27,42,78,.12);
  --shadow-3:0 24px 60px rgba(27,42,78,.20);
  /* layout */
  --header-h:64px; --gutter:16px; --margin:20px; --section-pad:64px;
  --font-head:"Poppins",system-ui,sans-serif; --font-body:"Inter",system-ui,sans-serif;
}
@media (min-width:768px){:root{--gutter:24px;--margin:24px}}
@media (min-width:1024px){:root{--header-h:80px;--section-pad:96px}}

/* ---------- base ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:72px}
html,body{overflow-x:clip}
body{margin:0;font-family:var(--font-body);font-size:16px;line-height:26px;color:var(--navy-900);
  background:var(--white);-webkit-tap-highlight-color:transparent;text-rendering:optimizeLegibility;
  animation:pageIn 300ms var(--ease-out) both}
@keyframes pageIn{from{opacity:0}to{opacity:1}}
@view-transition{navigation:auto}
::view-transition-old(root){animation:150ms var(--ease-in) both vtOut}
::view-transition-new(root){animation:250ms var(--ease-out) both vtIn}
@keyframes vtOut{to{opacity:0}}
@keyframes vtIn{from{opacity:0;transform:translateY(12px)}}
img,svg{display:block;max-width:100%}
a{color:inherit}
button{font:inherit;color:inherit;cursor:pointer}
h1,h2,h3,h4{font-family:var(--font-head);font-weight:600;margin:0;letter-spacing:-.01em}
p{margin:0}
ul{margin:0;padding:0}
:focus-visible{outline:3px solid var(--green);outline-offset:2px;border-radius:4px}
.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}
.skip-link{position:fixed;top:8px;left:8px;z-index:200;background:var(--navy-900);color:#fff;padding:10px 16px;
  border-radius:var(--radius-pill);transform:translateY(-150%);transition:transform var(--dur-fast)}
.skip-link:focus{transform:none}

/* type scale (mobile first) */
.display{font-family:var(--font-head);font-weight:700;font-size:34px;line-height:40px;letter-spacing:-.02em}
.h1{font-size:30px;line-height:36px}
.h2,h2{font-size:26px;line-height:32px}
.h3,h3{font-size:20px;line-height:28px}
.h4,h4{font-size:18px;line-height:26px}
.body-l{font-size:17px;line-height:28px}
.small{font-size:13px;line-height:20px;font-weight:500}
.eyebrow{font-size:12px;line-height:16px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:var(--green);margin-bottom:12px;display:block}
.muted{color:var(--muted)} .slate{color:var(--slate)}
@media (min-width:1024px){
  .display{font-size:56px;line-height:64px}
  .h1{font-size:44px;line-height:52px}
  .h2,h2{font-size:34px;line-height:42px}
  .h3,h3{font-size:24px;line-height:32px}
  .h4,h4{font-size:20px;line-height:28px}
  .body-l{font-size:18px;line-height:30px}
  .small{font-size:14px}
  .eyebrow{font-size:13px}
}

/* ---------- layout ---------- */
.container{width:100%;max-width:1248px;margin:0 auto;padding:0 var(--margin)}
.section{padding:var(--section-pad) 0}
.section--cloud{background:var(--cloud)}
.section--navy{background:var(--navy-900);color:#fff}
.section-head{max-width:720px;margin-bottom:40px}
.section-head p{color:var(--slate);margin-top:12px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section--navy .section-head p{color:#C9D2E6}
.section--navy .eyebrow{color:var(--amber)}
.grid{display:grid;gap:var(--gutter)}
@media (min-width:768px){.grid-2{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1024px){.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}}
.measure{max-width:68ch}

/* ---------- buttons ---------- */
.btn{--h:48px;position:relative;display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:var(--h);
  padding:0 24px;border-radius:var(--radius-pill);font-family:var(--font-body);font-weight:600;font-size:16px;line-height:1;
  text-decoration:none;border:0;overflow:hidden;isolation:isolate;white-space:nowrap;
  transition:transform var(--dur-fast) var(--ease-standard),box-shadow var(--dur-fast),background-color var(--dur-fast),color var(--dur-base)}
.btn:active{transform:scale(.97);transition-duration:80ms}
.btn .arrow{transition:transform var(--dur-fast) var(--ease-out)}
.btn-primary{background:var(--navy-900);color:#fff}
.btn-secondary{background:transparent;color:var(--navy-900);box-shadow:inset 0 0 0 1.5px var(--navy-900)}
.btn-secondary::before{content:"";position:absolute;inset:0;background:var(--navy-900);z-index:-1;transform:scaleX(0);transform-origin:left;
  transition:transform var(--dur-base) var(--ease-out)}
.btn-light{background:#fff;color:var(--navy-900)}
.btn-outline-light{background:transparent;color:#fff;box-shadow:inset 0 0 0 1.5px rgba(255,255,255,.7)}
.btn-sm{--h:40px;padding:0 16px;font-size:14px}
.btn-block{width:100%}
@media (hover:hover){
  .btn-primary:hover{background:var(--navy-600);transform:translateY(-2px);box-shadow:var(--shadow-2)}
  .btn-primary:hover .arrow,.btn-light:hover .arrow{transform:translateX(4px)}
  .btn-secondary:hover{color:#fff}
  .btn-secondary:hover::before{transform:scaleX(1)}
  .btn-light:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(0,0,0,.25)}
  .btn-outline-light:hover{background:rgba(255,255,255,.1)}
}
.btn[disabled]{opacity:.45;pointer-events:none}
.btn .spinner{position:absolute;width:20px;height:20px;border-radius:50%;border:2px solid rgba(255,255,255,.35);border-top-color:#fff;
  opacity:0;animation:spin .8s linear infinite;transition:opacity var(--dur-fast)}
.btn.is-loading .label{opacity:0}
.btn.is-loading .spinner{opacity:1}
.btn .label{transition:opacity var(--dur-fast)}
.btn.is-done{background:var(--green)}
.btn .done-check{position:absolute;opacity:0}
.btn.is-done .label{opacity:0}
.btn.is-done .done-check{opacity:1}
.btn.is-done .done-check path{animation:draw 300ms var(--ease-out) forwards}
@keyframes spin{to{transform:rotate(360deg)}}

.link{color:var(--green);font-weight:600;text-decoration:none;display:inline-flex;align-items:center;gap:6px;
  background:linear-gradient(currentColor,currentColor) 0 100%/0 1.5px no-repeat;transition:background-size 200ms var(--ease-out);
  min-height:44px}
.link .arrow{transition:transform var(--dur-fast) var(--ease-out)}
.link .ext{transition:transform var(--dur-fast) var(--ease-out)}
@media (hover:hover){
  .link:hover{background-size:100% 1.5px}
  .link:hover .arrow{transform:translateX(4px)}
  .link:hover .ext{transform:translate(2px,-2px)}
}
/* M-51 CTA pulse */
.pulse-once::after{content:"";position:absolute;inset:0;border-radius:inherit;box-shadow:0 0 0 0 rgba(24,122,79,.55);animation:ring 800ms var(--ease-out) 1}
@keyframes ring{0%{box-shadow:0 0 0 0 rgba(24,122,79,.55)}100%{box-shadow:0 0 0 14px rgba(24,122,79,0)}}
.btn.pulse-once{overflow:visible}
.btn.pulse-once{animation:pulseScale 800ms var(--ease-out) 1}
@keyframes pulseScale{40%{transform:scale(1.06)}100%{transform:scale(1)}}

/* ---------- chips ---------- */
.chip{display:inline-flex;align-items:center;gap:6px;min-height:32px;padding:4px 14px;border-radius:var(--radius-pill);
  font-size:14px;font-weight:500;line-height:20px;background:#fff;border:1px solid var(--line);color:var(--navy-900);
  transition:transform var(--dur-fast),background-color var(--dur-fast)}
.chip--green{background:var(--mint);border-color:transparent;color:var(--green)}
.chip--amber{background:var(--amber);border-color:transparent;color:var(--navy-900);font-weight:600}
.chip--navy{background:var(--navy-900);border-color:transparent;color:#fff}
.chip--ghost{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.2);color:#fff}
@media (hover:hover){.chip.is-interactive:hover{background:rgba(24,122,79,.1);transform:translateY(-1px)}}
.chips{display:flex;flex-wrap:wrap;gap:8px}

/* ---------- header ---------- */
.site-header{position:fixed;inset:0 0 auto 0;z-index:100;height:var(--header-h);display:flex;align-items:center;
  background:transparent;transition:background-color var(--dur-base) var(--ease-standard),box-shadow var(--dur-base),height var(--dur-base) var(--ease-standard),transform var(--dur-base) var(--ease-standard),color var(--dur-base);
  animation:headerIn 400ms var(--ease-out) both}
@keyframes headerIn{from{transform:translateY(-16px);opacity:0}}
.site-header.is-solid{background:#fff;box-shadow:0 1px 0 var(--line),var(--shadow-1)}
@media (min-width:1024px){.site-header.is-solid{height:64px}}
.site-header.is-hidden{transform:translateY(-100%)}
.site-header.on-dark:not(.is-solid){color:#fff}
.header-inner{display:flex;align-items:center;gap:12px;height:100%}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;margin-right:auto;transition:transform var(--dur-base) var(--ease-standard);transform-origin:left center}
.site-header.is-solid .logo{transform:scale(.9)}
.logo-mark{width:28px;height:28px;flex:none}
.logo-text{font-family:var(--font-head);font-weight:600;font-size:17px;line-height:1;letter-spacing:-.01em;white-space:nowrap}
.logo-text b{font-weight:700;color:var(--green)}
.site-header.on-dark:not(.is-solid) .logo-text b{color:var(--amber)}
@media (min-width:1024px){.logo-mark{width:32px;height:32px}.logo-text{font-size:19px}}
.main-nav{display:none;position:relative}
.nav-list{list-style:none;display:flex;align-items:center;gap:4px}
.nav-list>li{position:relative}
.nav-list>li>a,.nav-drop-btn{display:inline-flex;align-items:center;gap:4px;padding:10px 12px;min-height:44px;font-size:15px;font-weight:500;
  text-decoration:none;background:none;border:0;border-radius:8px;color:inherit}
.nav-list>li>a[aria-current="page"],.nav-drop-btn[aria-current="page"]{color:var(--green)}
.site-header.on-dark:not(.is-solid) .nav-list>li>a[aria-current],.site-header.on-dark:not(.is-solid) .nav-drop-btn[aria-current]{color:var(--amber)}
.nav-drop-btn svg{transition:transform var(--dur-base) var(--ease-standard)}
.nav-drop-btn[aria-expanded="true"] svg{transform:rotate(180deg)}
.nav-indicator{position:absolute;left:0;bottom:2px;height:2px;width:100px;background:var(--green);border-radius:2px;transform-origin:left;
  transform:translateX(var(--x,0)) scaleX(var(--s,0));opacity:var(--o,0);transition:transform var(--dur-base) var(--ease-standard),opacity var(--dur-base)}
.dropdown{position:absolute;top:calc(100% + 8px);left:50%;width:640px;margin-left:-320px;padding:12px;background:#fff;color:var(--navy-900);
  border-radius:var(--radius-card);box-shadow:var(--shadow-3);display:grid;grid-template-columns:repeat(3,1fr);gap:8px;
  opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity 200ms var(--ease-out),transform 200ms var(--ease-out),visibility 0s 200ms}
.dropdown.is-open{opacity:1;visibility:visible;transform:none;transition-delay:0s}
.drop-card{display:block;padding:16px;border-radius:12px;text-decoration:none;transition:background-color var(--dur-fast),opacity 200ms,transform 200ms var(--ease-out)}
.drop-card:hover{background:var(--cloud)}
.drop-card .ic{width:40px;height:40px;border-radius:10px;display:grid;place-items:center;margin-bottom:12px}
.drop-card strong{display:block;font-family:var(--font-head);font-weight:600;font-size:16px;line-height:22px}
.drop-card span{display:block;font-size:14px;line-height:20px;color:var(--slate);margin-top:4px}
.dropdown .drop-card{opacity:0;transform:translateY(6px)}
.dropdown.is-open .drop-card{opacity:1;transform:none}
.dropdown.is-open .drop-card:nth-child(2){transition-delay:50ms}
.dropdown.is-open .drop-card:nth-child(3){transition-delay:100ms}
.header-cta{flex:none}
.site-header.on-dark:not(.is-solid) .header-cta{background:#fff;color:var(--navy-900)}
.menu-btn{width:44px;height:44px;border:0;background:none;display:grid;place-items:center;position:relative;flex:none}
.menu-btn span{position:absolute;left:12px;width:20px;height:2px;border-radius:2px;background:currentColor;transition:transform 300ms var(--ease-out),opacity 200ms}
.menu-btn span:nth-child(1){transform:translateY(-6px)}
.menu-btn span:nth-child(3){transform:translateY(6px)}
.menu-open .menu-btn span:nth-child(1){transform:rotate(45deg)}
.menu-open .menu-btn span:nth-child(2){opacity:0}
.menu-open .menu-btn span:nth-child(3){transform:rotate(-45deg)}
.menu-open .site-header{color:#fff;background:var(--navy-900);box-shadow:none;transform:none}
.menu-open .site-header .logo-text b{color:var(--amber)}
.menu-open .header-cta{background:#fff;color:var(--navy-900)}
@media (min-width:1024px){.main-nav{display:block}.menu-btn{display:none}}
@media (max-width:419px){
  .header-inner{gap:6px}
  .logo{gap:8px}
  .logo-text{font-size:14px}
  .header-cta{padding:0 12px;font-size:13px}
  .menu-btn{margin-right:-10px}
}
.contact-line a{overflow-wrap:anywhere;word-break:normal}

/* mobile sheet (M-04) */
.mobile-sheet{position:fixed;inset:0;z-index:90;background:var(--navy-900);color:#fff;padding:calc(var(--header-h) + 16px) var(--margin) 32px;
  overflow-y:auto;transform:translateY(-100%);transition:transform 200ms var(--ease-in),visibility 0s 200ms;visibility:hidden}
.menu-open .mobile-sheet{transform:none;visibility:visible;transition:transform 300ms var(--ease-out)}
.menu-open{overflow:hidden}
.sheet-list{list-style:none;display:grid;gap:4px}
.sheet-list>li{opacity:0;transform:translateY(12px);transition:opacity 200ms,transform 300ms var(--ease-out)}
.menu-open .sheet-list>li{opacity:1;transform:none;transition-delay:calc(80ms + var(--i,0) * 50ms)}
.sheet-list a,.sheet-acc-btn{display:flex;align-items:center;justify-content:space-between;width:100%;min-height:56px;padding:8px 0;
  font-family:var(--font-head);font-size:22px;font-weight:600;text-decoration:none;color:#fff;background:none;border:0;border-bottom:1px solid rgba(255,255,255,.12);text-align:left}
.sheet-acc-btn svg{transition:transform var(--dur-base) var(--ease-standard)}
.sheet-acc-btn[aria-expanded="true"] svg{transform:rotate(180deg)}
.sheet-sub{display:grid;grid-template-rows:0fr;transition:grid-template-rows var(--dur-base) var(--ease-standard)}
.sheet-sub.is-open{grid-template-rows:1fr}
.sheet-sub>div{overflow:hidden}
.sheet-sub a{font-family:var(--font-body);font-size:16px;font-weight:500;flex-direction:column;align-items:flex-start;gap:2px;border:0;padding:12px 0 12px 16px;min-height:0}
.sheet-sub a span{font-size:14px;color:#AEB9D3;font-weight:400}
.sheet-foot{margin-top:32px;display:grid;gap:12px;color:#C9D2E6;font-size:15px}
.sheet-foot a{color:#fff}

/* ---------- reveal (default "rise") ---------- */
.js .reveal{opacity:0;transform:translateY(24px);
  transition:opacity var(--dur-slow) var(--ease-out),transform var(--dur-slow) var(--ease-out);
  transition-delay:calc(var(--i,0) * var(--stagger) + var(--d,0ms))}
.js .reveal.is-in{opacity:1;transform:none}
.js .reveal-left{transform:translateX(-40px)} .js .reveal-right{transform:translateX(40px)}
.js .reveal-pop{transform:scale(.9)}
.js .reveal-pop.is-in{transform:none}
.section-head .eyebrow.reveal{--d:0ms} .section-head h2.reveal{--d:0ms} .section-head p.reveal{--d:80ms} .section-head .reveal.cta{--d:160ms}

/* ---------- placeholder imagery ---------- */
.ph{position:relative;overflow:hidden;border-radius:12px;background:var(--cloud);display:grid;place-items:center;aspect-ratio:4/3;color:var(--navy-900);
  background-image:radial-gradient(rgba(27,42,78,.08) 1px,transparent 1.2px);background-size:14px 14px}
.ph svg.art{width:46%;height:auto;max-width:180px;max-height:50%;opacity:.85}
.ph .ph-cap{position:absolute;left:10px;bottom:10px;right:10px;font-size:12px;line-height:16px;color:var(--slate);background:rgba(255,255,255,.85);
  padding:4px 8px;border-radius:8px;width:max-content;max-width:calc(100% - 20px)}
.ph--mint{background-color:var(--mint)} .ph--amber{background-color:var(--amber-tint)} .ph--navy{background-color:#E6EBF5}
.ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}

/* ---------- HERO (home) ---------- */
.hero{position:relative;padding:calc(var(--header-h) + 32px) 0 56px;background:linear-gradient(180deg,var(--cloud) 0%,#fff 100%);overflow:hidden}
.hero-grid{display:grid;gap:32px;align-items:center}
@media (min-width:1024px){
  .hero{min-height:min(100vh,760px);padding:calc(var(--header-h) + 40px) 0 72px;display:flex;align-items:center}
  .hero-grid{grid-template-columns:6fr 6fr;gap:48px}
  .hero .hero-grid{width:100%}
}
.hero-chip{margin-bottom:20px}
.hero h1{margin-bottom:20px}
.hero .lede{color:var(--slate);max-width:56ch}
.hero .mission{margin-top:16px;font-weight:600;color:var(--navy-900)}
.hero-actions{display:grid;gap:12px;margin-top:28px}
@media (min-width:480px){.hero-actions{display:flex;flex-wrap:wrap}}
/* M-10 headline mask */
.words .w{display:inline-block;overflow:hidden;vertical-align:top;padding-bottom:.08em;margin-bottom:-.08em}
.words .w>span{display:inline-block}
.js .words .w>span{transform:translateY(110%);opacity:0}
.js .loaded .words .w>span{transform:none;opacity:1;transition:transform 500ms var(--ease-out),opacity 300ms;transition-delay:calc(150ms + var(--wi) * 60ms)}
.hl-green{color:var(--green)}
.underline-word{position:relative;display:inline-block}
.underline-word svg{position:absolute;left:-2%;width:104%;bottom:-.18em;height:.34em;overflow:visible}
.underline-word path{fill:none;stroke:var(--amber);stroke-width:6;stroke-linecap:round}
.js .underline-word path{stroke-dasharray:1;stroke-dashoffset:1}
.js .loaded .underline-word path{stroke-dashoffset:0;transition:stroke-dashoffset 600ms cubic-bezier(.65,0,.35,1) 900ms}
.js .hero-fade{opacity:0;transform:translateY(16px)}
.js .loaded .hero-fade{opacity:1;transform:none;transition:opacity 500ms var(--ease-out),transform 500ms var(--ease-out);transition-delay:var(--d,500ms)}

/* collage (M-12) */
.collage{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:12px;max-width:560px;margin:0 auto;width:100%}
.collage .tile{position:relative;border-radius:var(--radius-card);overflow:hidden;box-shadow:var(--shadow-2);background:#fff;transform:rotate(var(--r,0deg));
  will-change:transform}
.collage .tile .ph{border-radius:0;height:100%}
.collage .tile--big{grid-row:span 2}
.collage .tile--big .ph{aspect-ratio:auto}
.collage .tile--wide{grid-column:1/-1}
.collage .tile--wide .ph{aspect-ratio:16/6}
.collage .tile .tile-label{position:absolute;left:10px;top:10px;font-size:12px;font-weight:600;background:#fff;padding:4px 10px;border-radius:var(--radius-pill);box-shadow:var(--shadow-1)}
.js .collage .tile{opacity:0;transform:translate(var(--fx,0),var(--fy,24px)) rotate(0)}
.js .loaded .collage .tile{opacity:1;transform:translate(calc(var(--px,0) * 1px),calc(var(--py,0) * 1px)) rotate(var(--r,0deg));
  transition:opacity 500ms var(--ease-out),transform 500ms var(--ease-out);transition-delay:calc(300ms + var(--i) * 70ms)}
.js .loaded .collage.is-settled .tile{transition:transform 600ms var(--ease-out);transition-delay:0s}
@media (min-width:1024px){.collage{gap:16px}}
.coin{position:absolute;width:64px;height:64px;right:-6px;top:-18px;z-index:3;animation:coinBob 3s ease-in-out infinite}
.coin svg{width:100%;height:100%;animation:coinTurn 6s ease-in-out infinite}
.js .coin{opacity:0}
.js .loaded .coin{opacity:1;transition:opacity 300ms 900ms}
.coin.is-paused,.coin.is-paused svg{animation-play-state:paused}
@keyframes coinBob{50%{transform:translateY(-4px)}}
@keyframes coinTurn{0%,100%{transform:rotateY(0)}50%{transform:rotateY(35deg)}}
/* scroll cue M-14 */
.scroll-cue{display:none;position:absolute;left:50%;bottom:20px;transform:translateX(-50%);flex-direction:column;align-items:center;gap:2px;font-size:12px;
  color:var(--muted);text-decoration:none;opacity:0;transition:opacity 300ms}
.scroll-cue.is-shown{opacity:1}
.scroll-cue.is-shown svg{animation:cue 1s ease-in-out 3}
@keyframes cue{50%{transform:translateY(6px)}}
@media (min-width:1024px){.scroll-cue{display:flex}}

/* ---------- cards ---------- */
.card{position:relative;background:#fff;border-radius:var(--radius-card);box-shadow:var(--shadow-1);border:1px solid var(--line);display:flex;flex-direction:column;
  transition:transform var(--dur-base) var(--ease-standard),box-shadow var(--dur-base) var(--ease-standard)}
.card-media{padding:12px 12px 0}
.card-media .ph{transition:transform var(--dur-base) var(--ease-standard)}
.card-media>div{overflow:hidden;border-radius:12px}
.card-body{padding:20px;display:flex;flex-direction:column;gap:8px;flex:1}
.card-body .aud{font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--green);display:flex;gap:8px;align-items:center;flex-wrap:wrap}
.card-body p{color:var(--slate)}
.card-body .link{margin-top:auto;align-self:flex-start}
.card .tag{font-size:11px;padding:2px 8px;border-radius:var(--radius-pill);background:var(--amber);color:var(--navy-900);letter-spacing:.02em;text-transform:none}
@media (hover:hover){
  .card.is-hover:hover,.card.is-hover:focus-within{transform:translateY(-4px);box-shadow:var(--shadow-2)}
  .card.is-hover:hover .card-media .ph{transform:scale(1.04)}
  .card.is-hover:hover .link .arrow{transform:translateX(4px)}
}
.card--finfun .card-media .ph{background-color:#FFF1E6}
.card--finfun .aud{color:#D9480F}

/* carousel (M-23) */
.carousel-wrap{position:relative}
.carousel{display:grid;gap:var(--gutter)}
@media (max-width:1023px){
  .carousel{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;gap:12px;margin:0 calc(var(--margin) * -1);padding:4px var(--margin) 16px;
    scrollbar-width:none;scroll-padding:0 var(--margin);overscroll-behavior-x:contain}
  .carousel::-webkit-scrollbar{display:none}
  .carousel>*{flex:0 0 85%;scroll-snap-align:start;max-width:420px}
}
@media (min-width:1024px){.carousel--4{grid-template-columns:repeat(4,1fr)}.carousel--3{grid-template-columns:repeat(3,1fr)}}
.dots{display:flex;justify-content:center;gap:8px;margin-top:8px}
.dots button{width:8px;height:8px;border-radius:var(--radius-pill);border:0;padding:0;background:var(--line);position:relative;transition:width var(--dur-base) var(--ease-standard),background-color var(--dur-base)}
.dots button::after{content:"";position:absolute;inset:-18px -6px}
.dots button[aria-current="true"]{width:16px;background:var(--navy-900)}
@media (min-width:1024px){.dots{display:none}}

/* ---------- approach zig-zag ---------- */
.zig{display:grid;gap:56px}
.zig-row{display:grid;gap:24px;align-items:center}
.zig-row .zig-text p{color:var(--slate);margin-top:12px}
.zig-row .method-ic{width:48px;height:48px;border-radius:12px;display:grid;place-items:center;margin-bottom:16px}
@media (min-width:1024px){
  .zig{gap:80px}
  .zig-row{grid-template-columns:1fr 1fr;gap:64px}
  .zig-row:nth-child(even) .zig-media{order:2}
}
.zig-media{position:relative}
.zig-media .ph{aspect-ratio:16/11}
.micro{position:absolute;right:16px;bottom:-20px;background:#fff;border-radius:14px;box-shadow:var(--shadow-2);padding:14px;min-width:200px}
@media (min-width:1024px){.micro{right:-24px}.zig-row:nth-child(even) .micro{right:auto;left:-24px}}
.micro-title{font-size:11px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
/* M-31 card flip */
.mini-cards{display:flex;gap:10px;perspective:600px}
.mini-card{width:64px;height:84px;position:relative;transform-style:preserve-3d;transition:transform 500ms var(--ease-out)}
.mini-card .f,.mini-card .b{position:absolute;inset:0;border-radius:10px;display:grid;place-items:center;backface-visibility:hidden;font-weight:700;font-family:var(--font-head);font-size:14px}
.mini-card .f{background:var(--navy-900);background-image:repeating-linear-gradient(45deg,rgba(255,255,255,.08) 0 6px,transparent 6px 12px)}
.mini-card .b{transform:rotateY(180deg);border:2px solid var(--navy-900)}
.mini-card .b.save{background:var(--mint);color:var(--green)} .mini-card .b.spend{background:var(--amber-tint);color:#9A6200}
.is-in .mini-card{transform:rotateY(180deg)}
.is-in .mini-card:nth-child(2){transition-delay:200ms}
.js .is-in .mini-card{transition-delay:calc(300ms + var(--k,0) * 200ms)}
/* M-32 budget slider */
.micro.budget{width:230px}
.slider-track{position:relative;height:6px;border-radius:6px;background:var(--line);margin:6px 0 14px}
.slider-fill{position:absolute;inset:0;background:var(--green);border-radius:6px;transform-origin:left;transform:scaleX(.3);transition:transform 900ms var(--ease-out) 300ms}
.slider-rail{position:absolute;inset:0;transform:translateX(30%);transition:transform 900ms var(--ease-out) 300ms}
.slider-knob{position:absolute;top:50%;left:0;width:16px;height:16px;margin:-8px 0 0 -8px;border-radius:50%;background:#fff;border:2px solid var(--green)}
.is-in .slider-fill{transform:scaleX(.6)} .is-in .slider-rail{transform:translateX(60%)}
.bars{display:flex;gap:10px;align-items:flex-end;height:56px}
.bars .bar{flex:1;display:flex;flex-direction:column;justify-content:flex-end;align-items:center;gap:4px;font-size:11px;color:var(--slate);height:100%}
.bars .bar i{display:block;width:100%;flex:1;min-height:0;border-radius:6px 6px 2px 2px;transform-origin:bottom;transition:transform 900ms var(--ease-out) 300ms}
.bars .needs i{background:var(--navy-900);transform:scaleY(.45)} .bars .wants i{background:var(--amber);transform:scaleY(.8)}
.is-in .bars .needs i{transform:scaleY(.8)} .is-in .bars .wants i{transform:scaleY(.45)}
/* M-33 chart */
.mini-chart{width:210px;height:80px}
.mini-chart .grid-l{stroke:var(--line);stroke-width:1}
.mini-chart .ln{fill:none;stroke:var(--green);stroke-width:3;stroke-linecap:round;stroke-linejoin:round;stroke-dasharray:1;stroke-dashoffset:1;transition:stroke-dashoffset 700ms var(--ease-out) 300ms}
.mini-chart .dot{fill:var(--amber);stroke:var(--navy-900);stroke-width:2;transform-origin:196px 14px;transform:scale(0);transition:transform 300ms var(--ease-spring) 1000ms}
.is-in .mini-chart .ln{stroke-dashoffset:0} .is-in .mini-chart .dot{transform:scale(1)}
/* M-34 chat */
.chat{width:230px;display:grid;gap:8px;font-size:14px;line-height:20px}
.chat .bub{padding:8px 12px;border-radius:14px 14px 14px 4px;background:var(--cloud);min-height:36px;display:flex;align-items:center}
.chat .typing{display:flex;gap:4px}
.chat .typing i{width:6px;height:6px;border-radius:50%;background:var(--muted);animation:blink 1s infinite}
.chat .typing i:nth-child(2){animation-delay:.15s} .chat .typing i:nth-child(3){animation-delay:.3s}
@keyframes blink{0%,100%{opacity:.25}50%{opacity:1}}
.chat .who{font-size:11px;color:var(--muted);display:flex;gap:6px;align-items:center}

/* ---------- program cards ---------- */
.prog-card .card-body .sub{font-size:14px;line-height:20px;color:var(--green);font-weight:500}
.icon-draw path,.icon-draw circle,.icon-draw rect,.icon-draw line,.icon-draw polyline,.icon-draw polygon{transition:stroke-dashoffset 500ms var(--ease-out) calc(var(--i,0) * var(--stagger) + 150ms)}
.js .icon-draw:not(.is-drawn) :is(path,circle,rect,line,polyline,polygon){stroke-dasharray:1;stroke-dashoffset:1}
.js .icon-draw.is-drawn :is(path,circle,rect,line,polyline,polygon){stroke-dasharray:1;stroke-dashoffset:0}
.icon-badge{width:48px;height:48px;border-radius:12px;display:grid;place-items:center;background:var(--mint);color:var(--green)}
.icon-badge svg{width:24px;height:24px}
.icon-badge--amber{background:var(--amber-tint);color:#8A5A00}
.icon-badge--navy{background:#E6EBF5;color:var(--navy-900)}
.ico{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.75;stroke-linecap:round;stroke-linejoin:round}

/* ---------- scale ---------- */
.stat-strip{background:var(--navy-900);color:#fff;border-radius:var(--radius-card);padding:32px 20px;display:grid;grid-template-columns:1fr 1fr;gap:28px 16px;
  background-image:linear-gradient(135deg,var(--navy-900),#233761)}
@media (min-width:1024px){.stat-strip{grid-template-columns:repeat(4,1fr);padding:48px}}
.stat .num{font-family:var(--font-head);font-weight:700;font-size:36px;line-height:1.1;font-variant-numeric:tabular-nums;color:#fff;display:flex;align-items:baseline}
.stat .num .plus{color:var(--amber);display:inline-block;transition:transform 300ms var(--ease-spring),opacity 200ms}
.js .stat .num .plus{transform:scale(0);opacity:0}
.js .stat .num.is-done .plus{transform:none;opacity:1}
.stat .lbl{color:#C9D2E6;font-size:14px;margin-top:6px}
@media (min-width:1024px){.stat .num{font-size:48px}}
.collab{margin-top:24px;display:grid;gap:12px;grid-template-columns:1fr 1fr}
@media (min-width:1024px){.collab{grid-template-columns:repeat(4,1fr);gap:var(--gutter)}}
.collab-block{padding:20px;border:1px solid var(--line);border-radius:var(--radius-card);background:#fff}
.collab-block .icon-badge{margin-bottom:12px;width:40px;height:40px}
.collab-block h3{font-size:16px;line-height:22px}
.collab-block p{font-size:14px;line-height:20px;color:var(--slate);margin-top:4px}
.center-cta{text-align:center;margin-top:40px}
.source-note{font-size:12px;color:var(--muted);margin-top:12px;text-align:right}
.section--navy .source-note{color:#AEB9D3}

/* ---------- partners ---------- */
.logo-grid{display:none;grid-template-columns:repeat(6,1fr);gap:16px}
.logo-tile{height:80px;border:1px solid var(--line);border-radius:12px;display:grid;place-items:center;background:#fff;padding:16px}
.logo-tile .lg{width:120px;height:48px;display:flex;align-items:center;justify-content:center;gap:8px;font-family:var(--font-head);font-weight:700;font-size:15px;line-height:1.1;text-align:center;
  color:var(--c,#333);filter:grayscale(1) opacity(.7);transition:filter 200ms,transform 200ms var(--ease-standard)}
.logo-tile .lg svg{width:26px;height:26px;flex:none}
@media (hover:hover){.logo-tile:hover .lg{filter:none;transform:scale(1.03)}}
@media (min-width:1024px){.logo-grid{display:grid}.marquee{display:none}}
.marquee{display:grid;gap:12px;overflow:hidden;margin:0 calc(var(--margin) * -1);-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee-row{display:flex;width:max-content;gap:12px;animation:marquee 40s linear infinite}
.marquee-row.rev{animation-direction:reverse}
.marquee-row .logo-tile{width:152px;flex:none}
.marquee-row .logo-tile .lg{filter:none}
.marquee.is-paused .marquee-row,.marquee:hover .marquee-row,.marquee:focus-within .marquee-row,.marquee.is-offscreen .marquee-row{animation-play-state:paused}
@keyframes marquee{to{transform:translateX(-50%)}}
.marquee-ctrl{display:flex;justify-content:center;margin-top:12px}
@media (min-width:1024px){.marquee-ctrl{display:none}}
.pause-btn{display:inline-flex;align-items:center;gap:6px;border:1px solid var(--line);background:#fff;border-radius:var(--radius-pill);padding:6px 14px;min-height:44px;font-size:14px;font-weight:500}

/* ---------- contact ---------- */
.contact-grid{display:grid;gap:32px}
@media (min-width:1024px){.contact-grid{grid-template-columns:5fr 7fr;gap:64px;align-items:start}}
.contact-copy p{color:var(--slate);margin-top:12px}
.contact-lines{display:grid;gap:12px;margin-top:28px}
.contact-line{display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.contact-line a{font-weight:600;text-decoration:none;display:inline-flex;align-items:center;gap:12px;min-height:44px;word-break:break-all}
.contact-line .icon-badge{width:44px;height:44px;flex:none}
.contact-line a:hover .icon-badge svg,.contact-line a.wiggle .icon-badge svg{animation:wiggle 400ms ease-in-out}
@keyframes wiggle{25%{transform:rotate(6deg)}50%{transform:rotate(-6deg)}75%{transform:rotate(6deg)}}
.copy-btn{border:1px solid var(--line);background:#fff;border-radius:var(--radius-pill);min-height:36px;min-width:44px;padding:0 12px;font-size:13px;display:inline-flex;align-items:center;gap:6px;color:var(--slate)}
.copy-btn:hover{background:var(--cloud)}
.form-card{position:relative;background:#fff;border-radius:var(--radius-card);box-shadow:var(--shadow-2);padding:24px 20px;border:1px solid var(--line)}
@media (min-width:768px){.form-card{padding:32px}}
.form-card h3{margin-bottom:20px}
.form-grid{display:grid;gap:16px}
@media (min-width:768px){.form-grid{grid-template-columns:1fr 1fr}.form-grid .full{grid-column:1/-1}}
.field{display:grid;gap:6px;align-content:start}
.field label,.field .lbl{font-size:14px;font-weight:600;line-height:20px}
.field .req{color:var(--error);font-weight:600}
.field .req-txt{font-weight:400;color:var(--muted);font-size:12px;margin-left:4px}
.input,.select,.textarea{width:100%;min-height:48px;border:1px solid var(--line);border-radius:var(--radius-input);padding:12px 14px;font:inherit;font-size:16px;color:var(--navy-900);background:#fff;
  transition:border-color var(--dur-fast),box-shadow var(--dur-fast),background-color 600ms}
.input::placeholder,.textarea::placeholder{color:#9AA3B8}
.textarea{min-height:120px;resize:vertical;line-height:24px}
.select{appearance:none;-webkit-appearance:none;padding-right:44px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='20' height='20' fill='none' stroke='%231B2A4E' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 8 5 5 5-5'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center}
.input:focus,.select:focus,.textarea:focus{outline:none;border-color:var(--navy-900);box-shadow:0 0 0 1px var(--navy-900),0 0 0 5px rgba(27,42,78,.2)}
.input:disabled{background:var(--cloud);color:var(--muted)}
.phone-wrap{display:flex;align-items:stretch}
.phone-wrap .prefix{display:grid;place-items:center;padding:0 12px;border:1px solid var(--line);border-right:0;border-radius:var(--radius-input) 0 0 var(--radius-input);background:var(--cloud);font-weight:600;color:var(--slate)}
.phone-wrap .input{border-radius:0 var(--radius-input) var(--radius-input) 0}
.field.has-error .input,.field.has-error .select,.field.has-error .textarea{border-color:var(--error);box-shadow:0 0 0 1px var(--error)}
.field.has-error .control{animation:nudge 200ms ease-in-out 2}
@keyframes nudge{25%{transform:translateX(4px)}75%{transform:translateX(-4px)}}
.err{display:none;align-items:center;gap:6px;color:var(--error);font-size:13px;line-height:18px;font-weight:500}
.err .ico{width:16px;height:16px;flex:none}
.field.has-error .err{display:flex;animation:errIn 200ms var(--ease-out)}
@keyframes errIn{from{opacity:0;transform:translateY(-4px)}}
.counter{font-size:12px;color:var(--muted);text-align:right;display:none;font-variant-numeric:tabular-nums}
.counter.is-shown{display:block} .counter.warn{color:#9A6200} .counter.over{color:var(--error)}
.flash{animation:flash 600ms ease-out}
@keyframes flash{0%,40%{background-color:var(--mint);border-color:var(--green)}}
.form-foot{display:flex;flex-direction:column;gap:12px;margin-top:8px}
.form-foot .small{color:var(--muted)}
@media (min-width:768px){.form-foot{flex-direction:row;align-items:center;justify-content:space-between}}
.success{display:none;text-align:center;padding:32px 8px;min-height:420px;flex-direction:column;align-items:center;justify-content:center;gap:12px}
.form-card.is-success form{display:none}
.form-card.is-success .success{display:flex;animation:fadeUp 400ms var(--ease-out)}
@keyframes fadeUp{from{opacity:0;transform:translateY(12px)}}
.success .stamp-check{width:112px;height:112px;margin-bottom:8px;animation:stampIn 450ms var(--ease-spring) 150ms both}
@keyframes stampIn{from{opacity:0;transform:scale(1.3) rotate(-8deg)}to{opacity:1;transform:scale(1) rotate(-3deg)}}
.success p{color:var(--slate);max-width:36ch}
.confetti{position:absolute;inset:0;pointer-events:none;overflow:hidden;border-radius:inherit}
.confetti span{position:absolute;top:-20px;font-weight:700;font-size:18px;animation:fall 1.4s var(--ease-in) forwards}
@keyframes fall{to{transform:translate(var(--dx),480px) rotate(var(--rot));opacity:0}}

/* ---------- CTA band ---------- */
.cta-band{background:var(--navy-900);color:#fff;padding:56px 0;background-image:linear-gradient(135deg,var(--navy-900),var(--navy-600))}
.cta-inner{display:grid;gap:24px;align-items:center}
.cta-inner h2{max-width:24ch}
.cta-inner p{color:#C9D2E6;margin-top:10px;max-width:56ch}
.cta-actions{display:grid;gap:12px}
@media (min-width:600px){.cta-actions{display:flex;flex-wrap:wrap}}
@media (min-width:1024px){.cta-band{padding:80px 0}.cta-inner{grid-template-columns:1fr auto;gap:48px}}

/* ---------- footer ---------- */
.site-footer{background:var(--navy-900);color:#C9D2E6;padding:56px 0 24px;font-size:15px;line-height:24px}
.footer-grid{display:grid;gap:32px}
@media (min-width:768px){.footer-grid{grid-template-columns:1fr 1fr}}
@media (min-width:1024px){.footer-grid{grid-template-columns:1.6fr 1fr 1fr 1.3fr;gap:48px}}
.site-footer h3{font-family:var(--font-body);font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:#fff;margin-bottom:12px}
.site-footer ul{list-style:none;display:grid;gap:2px}
.site-footer a{color:#C9D2E6;text-decoration:none;display:inline-flex;align-items:center;gap:6px;min-height:36px}
.site-footer a:hover{color:#fff}
.site-footer .logo{color:#fff;margin-bottom:12px}
.site-footer .logo-text b{color:var(--amber)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:20px;display:flex;flex-wrap:wrap;gap:8px 20px;align-items:center;font-size:14px}
.footer-bottom .to-top{margin-left:auto}

/* ---------- floating bits ---------- */
.back-top{position:fixed;right:16px;bottom:16px;z-index:60;width:48px;height:48px;border-radius:50%;border:0;background:var(--navy-900);color:#fff;
  display:grid;place-items:center;box-shadow:var(--shadow-2);opacity:0;transform:scale(.8);pointer-events:none;transition:opacity 200ms,transform 200ms var(--ease-out)}
.back-top.is-shown{opacity:1;transform:none;pointer-events:auto}
.has-sticky-bar .back-top{bottom:84px}
.toast{position:fixed;left:50%;bottom:24px;z-index:150;transform:translate(-50%,24px);opacity:0;background:var(--navy-900);color:#fff;padding:12px 20px;border-radius:var(--radius-pill);
  font-size:14px;font-weight:500;box-shadow:var(--shadow-3);transition:transform 250ms var(--ease-out),opacity 250ms;pointer-events:none;white-space:nowrap}
.toast.is-shown{transform:translate(-50%,0);opacity:1}
.sticky-bar{position:fixed;left:0;right:0;bottom:0;z-index:70;background:#fff;border-top:1px solid var(--line);box-shadow:0 -8px 24px rgba(27,42,78,.08);padding:10px var(--margin) calc(10px + env(safe-area-inset-bottom));
  display:flex;align-items:center;justify-content:space-between;gap:12px;transform:translateY(110%);transition:transform 250ms var(--ease-out)}
.sticky-bar.is-shown{transform:none}
.sticky-bar strong{font-family:var(--font-head);font-size:15px}
@media (min-width:1024px){.sticky-bar{display:none}}

/* ---------- page hero (program pages) ---------- */
.page-hero{padding:calc(var(--header-h) + 32px) 0 56px;background:linear-gradient(180deg,var(--cloud),#fff);overflow:hidden}
.page-hero .hero-grid{align-items:center}
.page-hero h1{margin:12px 0 16px}
.page-hero .lede{color:var(--slate)}
@media (min-width:1024px){.page-hero{padding:calc(var(--header-h) + 56px) 0 88px}}
.breadcrumb{font-size:13px;color:var(--muted);display:flex;gap:6px;align-items:center}
.breadcrumb a{text-decoration:none;color:var(--slate)}
.breadcrumb a:hover{color:var(--green)}

/* passport (M-70) */
.passport{position:relative;width:min(300px,78vw);aspect-ratio:3/4;margin:0 auto;perspective:1400px}
.passport .pp-page{position:absolute;inset:0;background:#FFFDF7;border-radius:6px 16px 16px 6px;border:1.5px solid var(--navy-900);box-shadow:var(--shadow-2);padding:22px 20px;
  background-image:repeating-linear-gradient(0deg,transparent 0 27px,rgba(27,42,78,.06) 27px 28px)}
.pp-page .pp-h{font-size:10px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.pp-page .pp-slots{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:16px}
.pp-page .pp-slot{aspect-ratio:1;border-radius:50%;border:1.5px dashed #B7C0D4;display:grid;place-items:center;font-size:11px;color:#9AA3B8;font-weight:600}
.pp-page .pp-slot.filled{border:none}
.passport .pp-cover{position:absolute;inset:0;border-radius:6px 16px 16px 6px;background:var(--navy-900);color:var(--amber);transform-origin:left center;
  display:flex;flex-direction:column;align-items:center;justify-content:center;gap:16px;text-align:center;box-shadow:var(--shadow-3);
  background-image:linear-gradient(135deg,#1B2A4E,#26386A);backface-visibility:hidden;transition:transform 700ms var(--ease-out) 300ms;transform:rotateY(-25deg)}
.js .passport .pp-cover{transform:rotateY(0)}
.js .loaded .passport .pp-cover{transform:rotateY(-25deg)}
.pp-cover .t1{font-size:11px;letter-spacing:.24em;text-transform:uppercase;color:#C9D2E6}
.pp-cover .t2{font-family:var(--font-head);font-weight:700;font-size:24px;line-height:1.1;letter-spacing:.06em;text-transform:uppercase}
.pp-cover svg{width:88px;height:88px}
.pp-cover .t3{font-size:10px;letter-spacing:.14em;color:#AEB9D3;text-transform:uppercase}

/* ladder (M-72) */
.ladder{position:relative;display:grid;gap:10px}
.ladder-track{display:none}
.ladder-steps{list-style:none;display:grid;gap:10px;position:relative;margin:0;padding:0}
.ladder-step{display:flex;align-items:center;gap:10px}
.ladder-pill{flex:1;display:flex;align-items:center;gap:10px;padding:12px 16px;border-radius:var(--radius-pill);border:1.5px solid var(--line);background:#fff;font-weight:600;
  transition:background-color 300ms,border-color 300ms,color 300ms}
.ladder-pill .n{width:28px;height:28px;border-radius:50%;display:grid;place-items:center;background:var(--cloud);font-size:12px;font-weight:700;flex:none;transition:background-color 300ms,color 300ms}
.ladder-step.reached .ladder-pill{background:var(--green);border-color:var(--green);color:#fff}
.ladder-step.reached .ladder-pill .n{background:rgba(255,255,255,.2);color:#fff}
.ladder-pill a{color:inherit}
@media (min-width:1024px){
  .ladder-steps{grid-auto-flow:column;grid-auto-columns:1fr;gap:0;align-items:center}
  .ladder-track{display:block;position:absolute;left:24px;right:24px;top:50%;height:4px;margin-top:-2px;background:var(--line);border-radius:4px;overflow:hidden}
  .ladder-track i{position:absolute;inset:0;background:var(--green);transform-origin:left;transform:scaleX(var(--p,0))}
  .ladder-step{justify-content:center;position:relative;z-index:1;padding:0 6px}
  .ladder-step .arr{display:none}
  .ladder-pill{flex:none;white-space:nowrap}
}
.ladder-step .arr{color:var(--muted);display:none}

/* journey (M-71, M-73, M-76) */
.journey{position:relative;padding-left:56px}
.journey-rail{position:absolute;left:23px;top:24px;bottom:24px;width:4px}
.journey-rail svg{width:4px;height:100%;overflow:visible}
.journey-rail .base{stroke:var(--line);stroke-width:3;stroke-linecap:round;stroke-dasharray:0 10}
.journey-rail .ink{stroke:var(--green);stroke-width:3;stroke-linecap:round;stroke-dasharray:0 10}
.stage-counter{position:sticky;top:calc(var(--header-h) + 12px);z-index:5;display:flex;justify-content:center;margin:-8px 0 24px -56px;pointer-events:none}
.stage-counter>span{pointer-events:auto;display:inline-flex;align-items:center;gap:6px;background:var(--navy-900);color:#fff;border-radius:var(--radius-pill);padding:6px 14px;font-size:13px;font-weight:600;box-shadow:var(--shadow-2)}
.stage-counter>span{line-height:20px}
.stage-counter .roll{display:inline-block;height:20px;overflow:hidden;vertical-align:top;padding:0}
.stage-counter .roll b{display:block;font-size:13px;line-height:20px;font-variant-numeric:tabular-nums;transition:transform 200ms var(--ease-out)}
.stage{position:relative;margin-bottom:40px}
.stage:last-child{margin-bottom:0}
.stage-stamp{position:absolute;left:-56px;top:0;width:48px;height:48px}
.stamp{width:100%;height:100%;display:block}
.stamp .ring{fill:none;stroke:var(--navy-900);stroke-width:2}
.stamp .fill{fill:var(--amber);opacity:0;transition:opacity 200ms}
.stamp text{font-family:var(--font-head);font-weight:700;fill:var(--navy-900)}
.stage.stamped .stamp .fill{opacity:1}
.js .stage .stage-stamp .stamp{opacity:.5}
.js .stage.stamped .stage-stamp .stamp{opacity:1;animation:stampIn 450ms var(--ease-spring) both}
.stage-stamp .ink{position:absolute;inset:0;border-radius:50%;border:3px solid var(--amber);opacity:0}
.stage.stamped .ink{animation:ink 700ms var(--ease-out)}
@keyframes ink{0%{opacity:.8;transform:scale(.9)}100%{opacity:0;transform:scale(1.9)}}
.stage-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-card);box-shadow:var(--shadow-1);padding:20px}
.js .stage .stage-card{opacity:0;transform:translateY(24px);transition:opacity 400ms var(--ease-out) 150ms,transform 400ms var(--ease-out) 150ms}
.js .stage.stamped .stage-card{opacity:1;transform:none}
.stage-card .no{font-size:12px;font-weight:600;letter-spacing:.06em;color:var(--green);text-transform:uppercase}
.stage-card h3{margin:4px 0 8px}
.stage-card p{color:var(--slate)}
.stage-card .do{margin-top:12px;padding:10px 12px;background:var(--mint);border-radius:10px;font-size:14px;line-height:20px;color:var(--navy-900)}
.stage-card .do b{color:var(--green)}
@media (min-width:1024px){
  .journey{padding-left:0;max-width:1000px;margin:0 auto}
  .journey-rail{left:50%;margin-left:-2px}
  .stage-counter{margin-left:0}
  .stage{width:50%;padding-right:56px;margin-bottom:24px}
  .stage:nth-child(even of .stage){margin-left:50%;padding-right:0;padding-left:56px}
  .stage-stamp{left:auto;right:-32px;width:64px;height:64px}
  .stage:nth-child(even of .stage) .stage-stamp{right:auto;left:-32px}
}

/* shifts, formats */
.shift-card{padding:28px;border-radius:var(--radius-card);background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-1)}
.shift-card .icon-badge{width:56px;height:56px;margin-bottom:16px}
.shift-card p{color:var(--slate);margin-top:8px}
.formats{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (min-width:1024px){.formats{grid-template-columns:repeat(3,1fr);gap:var(--gutter)}}
.format{display:flex;flex-direction:column;gap:12px;padding:18px;border-radius:14px;background:#fff;border:1px solid var(--line)}
.format span{font-weight:600;font-size:15px;line-height:22px}
@media (min-width:768px){.format{flex-direction:row;align-items:center;padding:20px}}
.three-beat{margin-top:48px;text-align:center;font-family:var(--font-head);font-weight:700;font-size:30px;line-height:1.25;display:flex;flex-wrap:wrap;justify-content:center;gap:0 .4em}
@media (min-width:1024px){.three-beat{font-size:48px}}
.three-beat .beat{display:inline-block}
.js .three-beat .beat{opacity:0;transform:translateY(16px) scale(.96)}
.js .three-beat.is-in .beat{opacity:1;transform:none;transition:opacity 300ms var(--ease-out),transform 300ms var(--ease-out);transition-delay:calc(var(--b) * 300ms)}
.three-beat .underline-word path{stroke:var(--green)}
.js .three-beat.is-in .underline-word path{stroke-dashoffset:0;transition:stroke-dashoffset 600ms cubic-bezier(.65,0,.35,1) 900ms}

/* accordion (M-80) */
.acc-list{display:grid;gap:12px;align-items:start}
@media (min-width:1024px){.acc-list--2{grid-template-columns:1fr 1fr}}
.acc{border:1px solid var(--line);border-radius:var(--radius-card);background:#fff;overflow:hidden;transition:box-shadow var(--dur-base)}
.acc.is-open{box-shadow:var(--shadow-1)}
.acc-btn{width:100%;display:flex;align-items:center;gap:14px;padding:18px 20px;background:none;border:0;text-align:left;min-height:64px;transition:background-color var(--dur-fast)}
.acc-btn:hover{background:var(--cloud)}
.acc-btn .t{flex:1;font-family:var(--font-head);font-weight:600;font-size:17px;line-height:24px}
.acc-btn .num{font-family:var(--font-head);font-weight:700;color:var(--green);font-size:15px;width:28px;flex:none}
.acc-btn .chev{flex:none;transition:transform var(--dur-base) var(--ease-standard)}
.acc-btn:hover .chev{transform:translateY(2px)}
.acc-btn[aria-expanded="true"] .chev{transform:rotate(180deg)}
.acc-panel{display:grid;grid-template-rows:0fr;transition:grid-template-rows var(--dur-base) var(--ease-standard)}
.acc.is-open .acc-panel{grid-template-rows:1fr}
.acc-panel>div{overflow:hidden}
.acc-inner{padding:0 20px 20px 20px;opacity:0;transform:translateY(-8px);transition:opacity var(--dur-base) var(--ease-standard),transform var(--dur-base) var(--ease-standard)}
.acc.is-open .acc-inner{opacity:1;transform:none}
.acc-inner ul{list-style:none;display:grid;gap:8px}
.acc-inner li{display:flex;gap:10px;color:var(--slate);font-size:15px;line-height:22px}
.acc-inner li::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--green);margin-top:8px;flex:none}
.acc--numbered .acc-inner{padding-left:62px}

/* chip wave (M-75) */
.chip-cloud{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;max-width:720px;margin:0 auto}
.chip-cloud .chip{font-size:16px;min-height:44px;padding:8px 20px}
.js .chip-cloud .chip{opacity:0;transform:translateY(16px)}
.js .chip-cloud.is-in .chip{opacity:1;transform:none;transition:opacity 300ms var(--ease-out),transform 300ms var(--ease-out);transition-delay:calc(var(--i) * 60ms);
  animation:wave 360ms ease-in-out calc(520ms + var(--i) * 60ms) 1}
@keyframes wave{50%{transform:translateY(-4px)}}
.closing-line{text-align:center;font-family:var(--font-head);font-weight:600;font-size:20px;line-height:28px;margin-top:32px;max-width:32ch;margin-left:auto;margin-right:auto}
@media (min-width:1024px){.closing-line{font-size:26px;line-height:36px}}

/* ---------- tax page ---------- */
.badges{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0}
.payslip{position:relative;width:min(360px,100%);margin:0 auto;background:#fff;border:1.5px solid var(--navy-900);border-radius:var(--radius-card);box-shadow:var(--shadow-3);padding:20px;font-size:14px}
.js .payslip{opacity:0;transform:translateY(24px)}
.js .loaded .payslip{opacity:1;transform:none;transition:opacity 600ms var(--ease-out) 200ms,transform 600ms var(--ease-out) 200ms}
.payslip::after{content:"";position:absolute;left:12px;right:12px;bottom:-9px;height:10px;background:radial-gradient(circle at 6px 0,transparent 6px,#fff 6.5px) 0 0/14px 10px repeat-x}
.payslip-head{display:flex;justify-content:space-between;align-items:flex-start;padding-bottom:12px;border-bottom:1.5px dashed var(--line);margin-bottom:10px}
.payslip-head strong{font-family:var(--font-head);font-size:16px}
.payslip-head span{font-size:12px;color:var(--muted)}
.ps-row{display:flex;justify-content:space-between;padding:7px 0;font-variant-numeric:tabular-nums}
.ps-row span:first-child{color:var(--slate)}
.ps-row.ded span:last-child{color:var(--error)}
.ps-row.total{border-top:1.5px dashed var(--line);margin-top:6px;padding-top:12px;font-weight:700;font-family:var(--font-head);font-size:16px}
.ps-row.total span:first-child{color:var(--navy-900)}
.js .ps-row{opacity:0;transform:translateY(6px)}
.js .loaded .ps-row{opacity:1;transform:none;transition:opacity 250ms,transform 250ms var(--ease-out);transition-delay:calc(800ms + var(--r) * 80ms)}
.ps-note{font-size:11px;color:var(--muted);margin-top:10px}
.ctc-demo{background:#fff;border:1px solid var(--line);border-radius:var(--radius-card);box-shadow:var(--shadow-1);padding:20px}
@media (min-width:768px){.ctc-demo{padding:32px}}
.ctc-top{display:flex;justify-content:space-between;align-items:flex-end;gap:12px;flex-wrap:wrap;margin-bottom:16px}
.ctc-top .lbl{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.ctc-top .val{font-family:var(--font-head);font-weight:700;font-size:26px;font-variant-numeric:tabular-nums}
.ctc-bar{display:flex;height:64px;border-radius:12px;overflow:visible;gap:0}
.seg{position:relative;border:0;padding:0;height:100%;flex-grow:var(--w);flex-basis:0;min-width:0;background:var(--navy-900);color:#fff;
  font-size:13px;font-weight:600;transition:transform 300ms var(--ease-out),background-color 300ms;transform:translateX(0)}
.seg:first-child{border-radius:12px 0 0 12px} .seg:last-child{border-radius:0 12px 12px 0}
.seg .seg-l{position:absolute;inset:0;display:grid;place-items:center;opacity:0;transition:opacity 200ms;white-space:nowrap;overflow:hidden}
.ctc-bar.is-split .seg{transform:translateX(calc(var(--k) * 4px));background:var(--c);transition-delay:calc(var(--k) * 150ms)}
.ctc-bar.is-split .seg .seg-l{opacity:1;transition-delay:calc(var(--k) * 150ms + 150ms)}
.ctc-bar.is-split .seg[aria-pressed="true"]{box-shadow:0 0 0 3px #fff,0 0 0 5px var(--navy-900);z-index:1}
.seg-legend{display:grid;grid-template-columns:1fr 1fr;gap:8px 16px;margin-top:20px;font-size:14px}
@media (min-width:768px){.seg-legend{grid-template-columns:repeat(4,1fr)}}
.seg-legend button{display:flex;align-items:center;gap:8px;background:none;border:0;padding:6px 0;text-align:left;min-height:44px}
.seg-legend i{width:12px;height:12px;border-radius:3px;background:var(--c);flex:none}
.seg-legend b{font-variant-numeric:tabular-nums;display:block;font-size:13px;color:var(--slate);font-weight:500}
.seg-tip{margin-top:16px;padding:14px 16px;border-radius:12px;background:var(--cloud);font-size:15px;line-height:22px;min-height:52px}
.seg-tip b{color:var(--green)}
.ctc-foot{display:flex;justify-content:space-between;align-items:center;margin-top:12px;flex-wrap:wrap;gap:8px}
.replay{background:none;border:0;color:var(--green);font-weight:600;display:inline-flex;gap:6px;align-items:center;min-height:44px;padding:0}
.illus{font-size:12px;font-weight:600;color:#8A5A00;background:var(--amber-tint);border-radius:var(--radius-pill);padding:4px 10px}

.bubbles{display:grid;gap:14px}
@media (min-width:768px){.bubbles{grid-template-columns:1fr 1fr}}
@media (min-width:1024px){.bubbles{grid-template-columns:repeat(3,1fr)}}
.bubble{position:relative;background:#fff;border:1.5px solid var(--navy-900);border-radius:18px 18px 18px 4px;padding:18px 18px 14px}
.bubble:nth-child(even){border-radius:18px 18px 4px 18px}
.bubble q{display:block;font-family:var(--font-head);font-weight:600;font-size:17px;line-height:25px;quotes:"\201C" "\201D"}
.bubble .cap{display:block;margin-top:10px;font-size:13px;color:var(--muted)}
.js .bubble{opacity:0;transform:scale(.9)}
.js .bubble.is-in{opacity:1;transform:none;transition:opacity 300ms var(--ease-out),transform 300ms var(--ease-out);transition-delay:calc(var(--i) * 120ms)}
@media (min-width:768px){.bubbles .bubble:nth-child(even){margin-top:24px}}
@media (max-width:1023px){.bubbles.carousel{display:flex}.bubbles.carousel .bubble:nth-child(even){margin-top:0}}

.clock-wrap{display:grid;gap:32px}
@media (min-width:1024px){.clock-wrap{grid-template-columns:320px 1fr;gap:64px;align-items:start}}
.clock{position:sticky;top:calc(var(--header-h) + 16px);z-index:4;width:140px;height:140px;margin:0 auto;background:#fff;border-radius:50%;box-shadow:var(--shadow-2)}
@media (min-width:1024px){.clock{width:280px;height:280px;top:calc(var(--header-h) + 64px)}}
.clock svg{width:100%;height:100%;transform:rotate(-90deg)}
.clock .trk{fill:none;stroke:var(--cloud);stroke-width:10}
.clock .q{fill:none;stroke:var(--green);stroke-width:10;stroke-dasharray:0 1;transition:stroke-dasharray 400ms var(--ease-out)}
.clock .q.on{stroke-dasharray:.23 .77}
.clock .center{position:absolute;inset:0;display:grid;place-content:center;text-align:center}
.clock .center b{font-family:var(--font-head);font-weight:700;font-size:30px;line-height:1;font-variant-numeric:tabular-nums}
.clock .center span{font-size:12px;color:var(--muted);margin-top:4px}
@media (min-width:1024px){.clock .center b{font-size:56px}.clock .center span{font-size:14px}}
.hours{display:grid;gap:16px}
.hour{display:grid;grid-template-columns:auto 1fr;gap:16px;padding:20px;border:1px solid var(--line);border-radius:var(--radius-card);background:#fff;transition:border-color 300ms,box-shadow 300ms}
.hour.active{border-color:var(--green);box-shadow:var(--shadow-1)}
.hour .hn{width:48px;height:48px;border-radius:12px;background:var(--mint);color:var(--green);display:grid;place-items:center;font-family:var(--font-head);font-weight:700;font-size:13px;line-height:1.05;text-align:center}
.hour dl{margin:8px 0 0;display:grid;gap:4px;font-size:15px;line-height:22px}
.hour dt{font-weight:600;display:inline} .hour dd{margin:0;display:inline;color:var(--slate)}

.checklist{list-style:none;display:grid;gap:12px}
@media (min-width:1024px){.checklist{grid-template-columns:1fr 1fr;gap:14px 32px}}
.checklist li{display:flex;gap:14px;align-items:flex-start;padding:14px 16px;border-radius:14px;background:#fff;border:1px solid var(--line);color:var(--navy-900);transition:color 300ms}
.js .checklist li{color:var(--slate)}
.check{width:28px;height:28px;flex:none;border-radius:50%;background:var(--mint);display:grid;place-items:center}
.check svg{width:16px;height:16px}
.check path{fill:none;stroke:var(--green);stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.js .checklist .check{transform:scale(.6)}
.js .checklist .check path{stroke-dasharray:1;stroke-dashoffset:1}
.js .checklist.is-in li{color:var(--navy-900);transition-delay:calc(var(--i) * 80ms + 200ms)}
.js .checklist.is-in .check{transform:none;transition:transform 350ms var(--ease-spring) calc(var(--i) * 80ms)}
.js .checklist.is-in .check path{stroke-dashoffset:0;transition:stroke-dashoffset 350ms var(--ease-out) calc(var(--i) * 80ms + 100ms)}

.alert-card{display:grid;gap:24px;background:var(--amber-tint);border:1.5px solid var(--amber);border-radius:var(--radius-card);padding:24px}
@media (min-width:1024px){.alert-card{grid-template-columns:1fr 1fr;padding:48px;gap:48px;align-items:center}}
.alert-card ul{list-style:none;display:grid;gap:10px;margin-top:16px}
.alert-card li{display:flex;gap:10px;align-items:center;font-weight:500}
.alert-card li svg{color:#8A5A00;flex:none}
.sms{position:relative;max-width:340px;margin:0 auto;background:#fff;border-radius:24px;padding:18px;box-shadow:var(--shadow-2);border:1px solid var(--line)}
.sms .from{font-size:12px;color:var(--muted);display:flex;justify-content:space-between;margin-bottom:10px}
.sms .msg{background:var(--cloud);border-radius:16px 16px 16px 4px;padding:12px 14px;font-size:14px;line-height:21px}
.sms .msg u{color:var(--navy-600)}
.scam-stamp{position:absolute;top:36%;left:50%;margin-left:-70px;width:140px;padding:8px 0;border:4px solid var(--error);color:var(--error);border-radius:10px;text-align:center;
  font-family:var(--font-head);font-weight:700;font-size:28px;letter-spacing:.14em;background:rgba(255,255,255,.75);transform:rotate(-12deg)}
.js .scam-stamp{opacity:0;transform:scale(1.4) rotate(-12deg)}
.js .is-in .scam-stamp{opacity:1;transform:rotate(-12deg);transition:opacity 150ms 500ms,transform 400ms var(--ease-spring) 500ms}
.lock .shackle{transition:transform 300ms var(--ease-out) 1000ms;transform:translateY(-3px)}
.is-in .lock .shackle{transform:none}

.facts{background:#fff;border:1px solid var(--line);border-radius:var(--radius-card);box-shadow:var(--shadow-1);overflow:hidden}
.facts-row{display:flex;align-items:center;gap:14px;padding:14px 18px;border-bottom:1px solid var(--line)}
.facts-row:last-child{border-bottom:0}
.facts-row .icon-badge{width:40px;height:40px;flex:none}
.facts-row dt{font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}
.facts-row dd{margin:0;font-weight:600}
@media (min-width:1024px){.facts{display:grid;grid-template-columns:repeat(5,1fr)}.facts-row{flex-direction:column;align-items:flex-start;border-bottom:0;border-right:1px solid var(--line);padding:24px}.facts-row:last-child{border-right:0}}
.flow{display:flex;flex-direction:column}
.flow>*{order:2}
.flow>.page-hero{order:0}
@media (max-width:1023px){.flow>.facts-section{order:1;padding-top:0}}

/* ---------- finterventions ---------- */
.dark-hero{background:var(--navy-900);color:#fff;padding:calc(var(--header-h) + 40px) 0 72px;background-image:linear-gradient(160deg,#1B2A4E 0%,#2E4A8C 140%);overflow:hidden;position:relative}
.dark-hero .breadcrumb,.dark-hero .breadcrumb a{color:#AEB9D3}
.dark-hero .lede{color:#C9D2E6;max-width:60ch}
.dark-hero h1{margin:14px 0 16px;max-width:20ch}
@media (min-width:1024px){.dark-hero{padding:calc(var(--header-h) + 72px) 0 104px}}
.equation{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin-top:32px;position:relative}
.equation .chip{font-size:15px;min-height:40px;padding:8px 16px;background:#fff;color:var(--navy-900);border:0;font-weight:600}
.equation .op{color:var(--amber);font-weight:700;font-size:18px}
.js .equation .chip,.js .equation .op{opacity:0;transform:translate(var(--sx),var(--sy)) rotate(var(--sr))}
.js .loaded .equation .chip,.js .loaded .equation .op{opacity:1;transform:none;transition:opacity 400ms,transform 700ms var(--ease-out);transition-delay:calc(200ms + var(--i) * 80ms)}
.js .loaded .equation .op{transition-delay:900ms}
.equation .glow{position:absolute;inset:-12px -16px;border-radius:24px;background:radial-gradient(60% 80% at 30% 50%,rgba(245,185,66,.25),transparent 70%);opacity:0;pointer-events:none}
.js .loaded .equation .glow{animation:glow 1.6s ease-out 1.1s 1 both}
@keyframes glow{40%{opacity:1}100%{opacity:.35}}
.equation .eq-note{flex-basis:100%;font-size:14px;color:#AEB9D3;margin-top:6px}

.hscroll-progress{display:flex;align-items:center;gap:12px;font-size:14px;font-weight:600;margin-bottom:20px}
.hscroll-progress .bar{flex:1;height:4px;border-radius:4px;background:var(--line);overflow:hidden;max-width:360px}
.hscroll-progress .bar i{display:block;height:100%;background:var(--green);transform-origin:left;transform:scaleX(var(--p,.142))}
.steps-v{display:grid;gap:16px;max-width:1248px;margin:0 auto;padding:0 var(--margin)}
.step-panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius-card);padding:24px;box-shadow:var(--shadow-1)}
.step-panel .sn{font-family:var(--font-head);font-weight:700;font-size:40px;line-height:1;color:var(--line);-webkit-text-stroke:1.5px var(--navy-900);color:transparent}
.step-panel h3{margin:10px 0 8px}
.step-panel p{color:var(--slate)}
.step-panel .flowline{display:flex;flex-wrap:wrap;gap:6px;align-items:center;margin-top:14px}
.step-panel .flowline .chip{font-size:13px;min-height:28px}
.step-panel .flowline .ar{color:var(--muted)}
.step-sticky{position:sticky;top:calc(var(--header-h) + 8px);z-index:4;background:rgba(244,246,251,.92);backdrop-filter:blur(6px);padding:10px 0;margin-bottom:8px}
.hscroll{position:relative}
@media (min-width:1024px){
  .hscroll.is-pinned{height:350vh}
  .hscroll.is-pinned .hs-sticky{position:sticky;top:0;height:100vh;overflow:hidden;display:flex;flex-direction:column;justify-content:center}
  .hscroll.is-pinned .steps-v{display:flex;gap:24px;width:max-content;max-width:none;margin:0;padding:0 max(24px,calc((100vw - 1200px)/2));will-change:transform}
  .hscroll.is-pinned .step-panel{width:min(520px,42vw);min-height:360px;flex:none;opacity:.45;transform:scale(.96);transition:opacity 300ms,transform 300ms var(--ease-out)}
  .hscroll.is-pinned .step-panel.is-center{opacity:1;transform:none;box-shadow:var(--shadow-2)}
  .hscroll.is-pinned .step-panel .flowline>*{opacity:0;transform:translateY(8px);transition:opacity 250ms,transform 250ms var(--ease-out);transition-delay:calc(var(--i,0) * 70ms)}
  .hscroll.is-pinned .step-panel.is-center .flowline>*{opacity:1;transform:none}
  .hscroll.is-pinned .step-sticky{position:static;background:none;backdrop-filter:none}
}
.chain{display:grid;gap:12px;counter-reset:c}
@media (min-width:1024px){.chain{grid-template-columns:repeat(4,1fr);gap:0}}
.chain-node{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius-card);padding:20px;display:flex;gap:14px;align-items:center}
.chain-node b{font-family:var(--font-head);font-size:17px}
.chain-node small{display:block;color:var(--slate);font-size:14px}
@media (min-width:1024px){
  .chain-node{flex-direction:column;align-items:flex-start;margin:0 12px}
  .chain-node:not(:last-child)::after{content:"";position:absolute;right:-26px;top:50%;width:28px;height:2px;background:var(--green);transform-origin:left;transform:scaleX(0);transition:transform 400ms var(--ease-out) calc(var(--i) * 200ms + 300ms)}
  .chain.is-in .chain-node:not(:last-child)::after{transform:scaleX(1)}
}
.flip-grid{display:grid;gap:16px}
@media (min-width:768px){.flip-grid{grid-template-columns:1fr 1fr}}
@media (min-width:1024px){.flip-grid{grid-template-columns:repeat(3,1fr)}}
.flip{perspective:1200px;border:0;background:none;padding:0;text-align:left;width:100%;min-height:240px;display:block;position:relative}
.flip-inner{position:relative;width:100%;height:100%;min-height:240px;transform-style:preserve-3d;transition:transform 500ms var(--ease-standard)}
.flip[aria-pressed="true"] .flip-inner{transform:rotateY(180deg)}
.flip-face{position:absolute;inset:0;border-radius:var(--radius-card);padding:22px;backface-visibility:hidden;-webkit-backface-visibility:hidden;display:flex;flex-direction:column;gap:10px}
.flip-front{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-1)}
.flip-back{background:var(--navy-900);color:#fff;transform:rotateY(180deg)}
.flip-face .area{font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--green)}
.flip-back .area{color:var(--amber)}
.flip-face .q{font-family:var(--font-head);font-weight:600;font-size:19px;line-height:27px}
.flip-face p{font-size:15px;line-height:23px;color:var(--slate)}
.flip-back p{color:#DCE3F2}
.flip-face .hint{margin-top:auto;font-size:13px;color:var(--muted);display:flex;align-items:center;gap:6px}
.flip-back .hint{color:#AEB9D3}
@media (hover:hover){.flip:hover .flip-front{box-shadow:var(--shadow-2)}}
.ai-card{position:relative;overflow:hidden;border-radius:24px;background:var(--navy-900);color:#fff;padding:28px 20px}
@media (min-width:1024px){.ai-card{padding:56px}}
.ai-grid{position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.14) 1.2px,transparent 1.4px);background-size:28px 28px;pointer-events:none}
.ai-grid i{position:absolute;width:6px;height:6px;margin:-3px;border-radius:50%;background:#3FD08E;box-shadow:0 0 12px #3FD08E;opacity:0;animation:dataPulse 6s ease-in-out infinite}
.ai-card.is-offscreen .ai-grid i{animation-play-state:paused}
@keyframes dataPulse{0%,100%{opacity:0}10%,25%{opacity:.9}40%{opacity:0}}
.ai-card>*:not(.ai-grid){position:relative}
.ai-card .eq{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin:20px 0}
.ai-card .eq .op{color:var(--amber);font-weight:700}
.ai-card .note{margin-top:24px;padding:16px;border-radius:12px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);color:#C9D2E6;font-size:15px;line-height:23px;display:flex;gap:12px}
.ai-card h3{color:#fff}
.ai-card .ideas-h{font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--amber);margin:24px 0 12px}
.portfolio{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (min-width:768px){.portfolio{grid-template-columns:repeat(4,1fr);gap:16px}}
.doc-tab{position:relative;background:#fff;border:1.5px solid var(--navy-900);border-radius:4px 14px 14px 14px;padding:18px 16px 16px;min-height:120px;box-shadow:var(--shadow-1);
  transition:transform 600ms var(--ease-out),opacity 300ms;transition-delay:calc(var(--i) * 60ms)}
.doc-tab::before{content:"";position:absolute;left:-1.5px;top:-12px;width:56px;height:12px;background:#fff;border:1.5px solid var(--navy-900);border-bottom:0;border-radius:8px 8px 0 0}
.doc-tab .dn{font-family:var(--font-head);font-weight:700;color:var(--green);font-size:14px}
.doc-tab b{display:block;font-family:var(--font-head);font-weight:600;font-size:16px;line-height:22px;margin-top:6px}
.doc-tab:nth-child(4n+1)::before{background:var(--amber-tint)} .doc-tab:nth-child(4n+2)::before{background:var(--mint)} .doc-tab:nth-child(4n+3)::before{background:#E6EBF5}
.stage-banner{position:relative;overflow:hidden;border-radius:24px;padding:40px 20px;text-align:center;color:#fff;
  background:radial-gradient(70% 90% at 50% 0%,rgba(245,185,66,.35),transparent 60%),linear-gradient(180deg,#1B2A4E,#131E38)}
@media (min-width:1024px){.stage-banner{padding:72px 48px}}
.stage-banner::before{content:"";position:absolute;left:0;right:0;bottom:0;height:28px;background:linear-gradient(180deg,#2E4A8C,#1B2A4E);border-top:2px solid var(--amber)}
.stage-banner h2{color:#fff;max-width:22ch;margin:0 auto}
.stage-banner p{color:#C9D2E6;max-width:58ch;margin:12px auto 0}
.stage-banner .chips{justify-content:center;margin-top:28px;padding-bottom:28px}

/* ---------- legal / 404 ---------- */
.legal{padding:calc(var(--header-h) + 48px) 0 80px}
.legal .container{max-width:780px}
.legal h1{margin-bottom:8px}
.legal h2{font-size:22px;line-height:30px;margin:36px 0 10px}
.legal p,.legal li{color:var(--slate);margin-bottom:12px}
.legal ul{padding-left:20px}
.notfound{min-height:100vh;display:grid;place-items:center;text-align:center;padding:calc(var(--header-h) + 32px) var(--margin) 64px;background:var(--cloud)}
.notfound svg.nf{width:220px;margin:0 auto 24px}
.notfound p{color:var(--slate);margin:12px 0 28px}

/* ---------- utilities ---------- */
.mt-8{margin-top:8px}.mt-16{margin-top:16px}.mt-24{margin-top:24px}.mt-32{margin-top:32px}.mt-48{margin-top:48px}
.text-center{text-align:center}
.suggested{/* marks copy flagged as "suggested" in the brief, pending approval */}
.hide-desktop{} @media (min-width:1024px){.hide-desktop{display:none!important}}
.hide-mobile{display:none!important} @media (min-width:1024px){.hide-mobile{display:revert!important}}

@keyframes draw{to{stroke-dashoffset:0}}

/* ---------- reduced motion ---------- */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:1ms!important;animation-iteration-count:1!important;scroll-behavior:auto!important;transition-duration:150ms!important;transition-delay:0s!important}
  html{scroll-behavior:auto}
  .js .reveal,.js .reveal-left,.js .reveal-right,.js .reveal-pop{transform:none;transition:opacity 150ms linear}
  .js .words .w>span,.js .collage .tile,.js .hero-fade,.js .payslip,.js .ps-row,.js .bubble,.js .three-beat .beat,.js .chip-cloud .chip,.js .equation .chip,.js .equation .op,.js .stage .stage-card{transform:none!important}
  .js .underline-word path,.mini-chart .ln,.js .icon-draw :is(path,circle,rect,line,polyline,polygon),.js .checklist .check path{stroke-dashoffset:0!important}
  .js .checklist .check{transform:none}
  .js .passport .pp-cover{transform:rotateY(-25deg)}
  .coin,.coin svg,.marquee-row,.ai-grid i{animation:none!important}
  .ai-grid i{opacity:0}
  .marquee{display:none}
  .logo-grid{display:grid;grid-template-columns:repeat(2,1fr)}
  @media (min-width:600px){.logo-grid{grid-template-columns:repeat(3,1fr)}}
  .marquee-ctrl{display:none}
  .scam-stamp{transform:rotate(-12deg)!important}
  .collage .tile{transform:rotate(var(--r,0deg))!important}
  .btn:hover{transform:none!important}
  .flip-inner{transform:none!important}
  .flip-back{transform:none;opacity:0;transition:opacity 150ms}
  .flip[aria-pressed="true"] .flip-back{opacity:1}
  .flip[aria-pressed="true"] .flip-front{opacity:0}
}
.success:focus{outline:none}
.back-top{box-shadow:var(--shadow-2),0 0 0 2px rgba(255,255,255,.35)}
/* the two thin CTC segments are labelled by the legend below the bar */
.seg[data-key="tds"] .seg-l,.seg[data-key="other"] .seg-l{font-size:0}
.chip .ico{width:16px;height:16px}
.flip-inner{display:block}
.flip-face .area,.flip-face .q{display:block}
.hscroll.is-pinned .step-panel{min-height:300px}

/* Our Approach: compact two-up method cards */
.methods{display:grid;gap:var(--gutter)}
@media (min-width:768px){.methods{grid-template-columns:1fr 1fr}}
.method-card{display:flex;flex-direction:column;gap:20px;background:#fff;border:1px solid var(--line);border-radius:var(--radius-card);padding:20px;box-shadow:var(--shadow-1)}
.method-demo{display:grid;place-items:center;min-height:140px;border-radius:12px;background:var(--cloud);
  background-image:radial-gradient(rgba(27,42,78,.08) 1px,transparent 1.2px);background-size:14px 14px;padding:16px}
.method-card:first-child .method-demo{background-color:var(--amber-tint)}
.method-card:last-child .method-demo{background-color:var(--mint)}
.method-demo .budget{width:210px;background:#fff;border-radius:12px;padding:12px 14px;box-shadow:var(--shadow-1)}
.method-text{display:grid;gap:8px}
.method-text .icon-badge{width:40px;height:40px}
.method-text p{color:var(--slate)}
@media (min-width:1024px){.method-card{flex-direction:row;align-items:center}.method-demo{flex:0 0 46%;align-self:stretch}}

/* Programs: explore buttons */
.prog-btn{margin-top:auto;align-self:flex-start}
.prog-card .card-body .icon-badge{width:40px;height:40px}
.drop-card strong .ico{display:inline-block;width:14px;height:14px;vertical-align:-1px;margin-left:4px}