/* ConcoraCreditApp — "Harbor Light" design system */
:root{
  --ink:#0f1f3d;--ink-2:#253a63;--muted:#5b6b86;--line:#e3e8f1;
  --bg:#fbf9f5;--card:#ffffff;--soft:#f1f5fb;
  --teal:#0f9d8a;--teal-d:#0b7a6b;--teal-l:#e3f6f2;
  --coral:#ff7a59;--coral-d:#e85e3c;--gold:#f5b942;
  --radius:16px;--shadow:0 10px 30px -12px rgba(15,31,61,.18);
  --font-h:"Plus Jakarta Sans",system-ui,sans-serif;--font-b:"Inter",system-ui,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font-b);color:var(--ink);background:var(--bg);line-height:1.7;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-d);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--coral-d)}
h1,h2,h3,h4{font-family:var(--font-h);line-height:1.2;color:var(--ink);letter-spacing:-.015em}
h1{font-size:clamp(2rem,4.6vw,3.25rem);margin:.2em 0 .4em}
h2{font-size:clamp(1.55rem,3vw,2.2rem);margin:1.6em 0 .5em}
h3{font-size:1.25rem;margin:1.4em 0 .4em}
p{margin:0 0 1.05em}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}

/* top bar + header (not sticky by request) */
.topbar{background:var(--ink);color:#c9d4ea;font-size:.82rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding:7px 20px;flex-wrap:wrap}
.topbar a{color:#fff}
header.site{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:74px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-family:var(--font-h);font-weight:800;font-size:1.2rem}
.logo svg{width:38px;height:38px}
.logo small{display:block;font-weight:600;font-size:.68rem;color:var(--muted);letter-spacing:.08em;text-transform:uppercase}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
nav.main a{display:block;padding:10px 12px;border-radius:10px;text-decoration:none;color:var(--ink-2);font-weight:600;font-size:.94rem}
nav.main a:hover,nav.main a[aria-current=page]{background:var(--soft);color:var(--ink)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:700;text-decoration:none;font-family:var(--font-h);border:0;cursor:pointer;font-size:1rem;transition:.2s}
.btn-primary{background:var(--coral);color:#fff!important;box-shadow:0 8px 20px -8px rgba(255,122,89,.7)}
.btn-primary:hover{background:var(--coral-d);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--ink)!important;border:2px solid var(--ink)}
.btn-ghost:hover{background:var(--ink);color:#fff!important}
.btn-teal{background:var(--teal);color:#fff!important}
nav.main .btn{padding:10px 18px;margin-left:8px;color:#fff}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font-weight:700;font-family:var(--font-h)}
@media(max-width:980px){
  .menu-toggle{display:block}
  nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:10px 20px 18px}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;align-items:stretch}
  nav.main .btn{margin:8px 0 0;justify-content:center}
}

/* breadcrumbs */
.crumbs{font-size:.86rem;color:var(--muted);padding:16px 0 0}
.crumbs ol{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li:before{content:"›";margin-right:6px;color:#9aa7bd}
.crumbs a{color:var(--muted)}

/* hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(1100px 500px at 85% -10%,#d9f3ee 0,transparent 60%),radial-gradient(800px 420px at -10% 110%,#ffe6dc 0,transparent 55%),var(--bg);padding:56px 0 64px}
.hero .grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:var(--teal-l);color:var(--teal-d);font-weight:700;font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;padding:6px 12px;border-radius:999px}
.lead{font-size:1.15rem;color:var(--ink-2)}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0}
.trust-row{display:flex;gap:18px;flex-wrap:wrap;font-size:.88rem;color:var(--muted);margin-top:10px}
.trust-row span{display:flex;align-items:center;gap:6px}
.trust-row svg{width:18px;height:18px;color:var(--teal)}
@media(max-width:900px){.hero .grid{grid-template-columns:1fr}}

/* card visual */
.card-stage{position:relative;min-height:360px;display:flex;align-items:center;justify-content:center;perspective:1200px}
.cc{width:360px;max-width:88%;aspect-ratio:1.586;border-radius:20px;padding:24px;color:#fff;position:relative;box-shadow:0 30px 60px -20px rgba(15,31,61,.55);transform:rotateY(-14deg) rotateX(8deg) rotate(-4deg)}
.cc.a{background:linear-gradient(135deg,#0f1f3d 0%,#1f4a7a 55%,#0f9d8a 100%)}
.cc.b{position:absolute;background:linear-gradient(135deg,#ff7a59,#f5b942);transform:rotateY(-14deg) rotateX(8deg) rotate(8deg) translate(60px,-40px);opacity:.9;z-index:-1}
.cc .chip{width:44px;height:34px;border-radius:7px;background:linear-gradient(135deg,#f7d98b,#c9a14a);margin-top:28px}
.cc .num{font-family:ui-monospace,Menlo,monospace;letter-spacing:.14em;margin-top:22px;font-size:1.05rem;opacity:.95}
.cc .row{display:flex;justify-content:space-between;align-items:flex-end;margin-top:14px;font-size:.72rem;text-transform:uppercase;letter-spacing:.1em;opacity:.85}
.cc .brand{position:absolute;top:22px;right:24px;font-family:var(--font-h);font-weight:800;font-size:.95rem;letter-spacing:.02em}
.cc .net{display:flex}.cc .net i{width:30px;height:30px;border-radius:50%;background:#eb001b;opacity:.9}.cc .net i+i{background:#f79e1b;margin-left:-12px}
.badge-float{position:absolute;background:#fff;border-radius:14px;padding:10px 14px;box-shadow:var(--shadow);font-size:.82rem;display:flex;gap:10px;align-items:center}
.badge-float b{display:block;font-family:var(--font-h);font-size:1rem}
.badge-float .dot{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;background:var(--teal-l);color:var(--teal-d);font-weight:800}
.bf1{top:8%;left:0}.bf2{bottom:6%;right:0}.bf3{bottom:28%;left:-4%}
@media(max-width:560px){.bf3{display:none}}

/* apply / form slot */
.apply{background:var(--ink);color:#e6ecf7;padding:64px 0;scroll-margin-top:10px}
.apply h2{color:#fff;margin-top:0}
.apply .grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.apply ul.ticks li{color:#e6ecf7}
.form-card{background:#fff;color:var(--ink);border-radius:20px;padding:28px;box-shadow:0 30px 60px -25px rgba(0,0,0,.5);min-height:380px}
.form-card h3{margin-top:0}
.form-slot{border:2px dashed var(--line);border-radius:14px;padding:26px;text-align:center;color:var(--muted);font-size:.92rem}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:24px}
.stats div{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:14px;padding:14px}
.stats b{display:block;font-family:var(--font-h);font-size:1.35rem;color:#fff}
.stats span{font-size:.8rem;color:#b9c5dc}
@media(max-width:900px){.apply .grid{grid-template-columns:1fr}}

/* sections */
section.band{padding:64px 0}
section.band.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
section.band.soft{background:var(--soft)}
.section-head{max-width:760px}
.section-head p{color:var(--muted);font-size:1.06rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.grid-3,.grid-2,.grid-4{grid-template-columns:1fr}}
.box{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 1px 0 rgba(15,31,61,.03)}
.box h3{margin-top:0}
.box .ico{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:var(--teal-l);color:var(--teal-d);margin-bottom:14px}
.box .ico svg{width:24px;height:24px}
.box.link{text-decoration:none;color:inherit;display:block;transition:.2s}
.box.link:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:#cfd8e8}
.more{font-weight:700;color:var(--teal-d);font-family:var(--font-h);font-size:.95rem}
.tag{display:inline-block;font-size:.74rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--coral-d);background:#fff0eb;padding:4px 10px;border-radius:999px}

/* steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.steps .box{position:relative;padding-top:44px}
.steps .box:before{counter-increment:s;content:counter(s);position:absolute;top:-18px;left:22px;width:42px;height:42px;border-radius:50%;background:var(--coral);color:#fff;font-family:var(--font-h);font-weight:800;display:grid;place-items:center;box-shadow:0 6px 14px -6px rgba(255,122,89,.8)}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr;row-gap:36px}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}

/* tables */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff;margin:1.2em 0}
table{border-collapse:collapse;width:100%;font-size:.95rem;min-width:560px}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--soft);font-family:var(--font-h);font-size:.88rem}
tr:last-child td{border-bottom:0}

/* lists */
ul.ticks{list-style:none;padding:0;margin:0 0 1em}
ul.ticks li{position:relative;padding-left:30px;margin:.45em 0}
ul.ticks li:before{content:"";position:absolute;left:0;top:.42em;width:18px;height:18px;border-radius:50%;background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/11px no-repeat}
ul.cross li:before{background-color:#c9d2e3;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5'%3E%3Cpath d='M6 6l12 12M18 6L6 18'/%3E%3C/svg%3E")}

/* callouts */
.callout{border-left:4px solid var(--teal);background:var(--teal-l);padding:18px 22px;border-radius:0 14px 14px 0;margin:1.4em 0}
.callout.warn{border-color:var(--gold);background:#fff7e4}
.callout.coral{border-color:var(--coral);background:#fff1ec}
.callout strong:first-child{font-family:var(--font-h)}
.expert-tip{display:flex;gap:16px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;margin:1.6em 0}
.expert-tip .av{flex:0 0 56px;height:56px;border-radius:50%;display:grid;place-items:center;font-family:var(--font-h);font-weight:800;color:#fff;background:linear-gradient(135deg,var(--teal),var(--ink-2))}
.expert-tip p{margin:.2em 0 0}
.expert-tip .who{font-size:.85rem;color:var(--muted)}

/* article layout */
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:48px;padding:24px 0 64px}
.article-grid aside{position:relative}
.toc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;font-size:.92rem}
.toc ol{padding-left:18px;margin:.5em 0 0}
.toc a{color:var(--ink-2);text-decoration:none}.toc a:hover{color:var(--coral-d)}
.side-cta{margin-top:18px;background:var(--ink);color:#dfe7f5;border-radius:var(--radius);padding:22px}
.side-cta h4{color:#fff;margin:0 0 .4em}
@media(max-width:980px){.article-grid{grid-template-columns:1fr}.article-grid aside{order:-1}}
.byline{display:flex;flex-wrap:wrap;gap:14px;align-items:center;font-size:.9rem;color:var(--muted);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:12px 0;margin:10px 0 24px}
.byline .pill{background:var(--soft);padding:3px 10px;border-radius:999px;color:var(--ink-2);font-weight:600}
.prose h2{scroll-margin-top:16px}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin:.35em 0}
.key-takeaways{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px;margin:0 0 28px}
.key-takeaways h2{margin:0 0 .4em;font-size:1.15rem}

/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:4px 20px;margin:10px 0}
summary{cursor:pointer;font-family:var(--font-h);font-weight:700;padding:14px 0;list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";font-size:1.4rem;line-height:1;color:var(--teal)}
details[open] summary:after{content:"–"}
details p{color:var(--ink-2)}

/* experts */
.person{display:flex;gap:18px;align-items:flex-start}
.person .av{flex:0 0 76px;height:76px;border-radius:50%;display:grid;place-items:center;font-family:var(--font-h);font-weight:800;font-size:1.4rem;color:#fff;background:linear-gradient(135deg,var(--coral),var(--ink-2));box-shadow:0 0 0 4px #fff,0 0 0 6px var(--teal-l)}
.person h3{margin:0}
.person .role{color:var(--teal-d);font-weight:700;font-size:.9rem}

/* rating */
.score{display:flex;align-items:center;gap:18px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;margin:1em 0 1.6em}
.score .num{font-family:var(--font-h);font-size:2.6rem;font-weight:800;color:var(--teal-d);line-height:1}
.bar{height:10px;background:var(--soft);border-radius:999px;overflow:hidden}.bar i{display:block;height:100%;background:linear-gradient(90deg,var(--teal),var(--gold))}
.rate-rows div{display:grid;grid-template-columns:200px 1fr 46px;gap:14px;align-items:center;margin:10px 0;font-size:.93rem}
@media(max-width:560px){.rate-rows div{grid-template-columns:1fr 46px}.rate-rows .bar{grid-column:1/-1;order:3}}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--teal-d),var(--ink));color:#e6f2f0;border-radius:24px;padding:40px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;margin:40px 0}
.cta-band h2{color:#fff;margin:0 0 .2em}
.cta-band p{margin:0}

/* footer */
footer.site{background:#0b1730;color:#b7c3da;padding:56px 0 24px;font-size:.92rem;margin-top:0}
footer.site a{color:#dfe7f5;text-decoration:none}footer.site a:hover{color:var(--gold)}
footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr 1fr 1fr;gap:24px}
footer h4{color:#fff;font-size:.95rem;margin:0 0 12px}
footer ul{list-style:none;padding:0;margin:0}footer li{margin:7px 0}
footer .legal{border-top:1px solid #23365c;margin-top:36px;padding-top:20px;font-size:.8rem;color:#8e9cb8}
footer .legal p{margin:0 0 .8em}
footer .logo{color:#fff}footer .logo small{color:#8e9cb8}
@media(max-width:900px){footer .cols{grid-template-columns:1fr 1fr}}
.disclose{background:#fff7e4;border-bottom:1px solid #f1e2bb;font-size:.82rem;color:#6b5a2b}
.disclose .wrap{padding:8px 20px}
.muted{color:var(--muted)}
.center{text-align:center}
.mt0{margin-top:0}
.pill-list{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0}
.pill-list a{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;text-decoration:none;font-size:.9rem;color:var(--ink-2)}
.pill-list a:hover{border-color:var(--teal);color:var(--teal-d)}
.sitemap-list{columns:2;column-gap:40px}
@media(max-width:620px){.sitemap-list{columns:1}}
.eyebrow svg{width:15px;height:15px;flex:0 0 15px}
.inp{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff}
/* loan calculator */
.loan-calc{background:#fff;border:1px solid var(--line);border-radius:22px;padding:26px;box-shadow:var(--shadow)}
.lc-head{display:flex;justify-content:space-between;align-items:baseline;font-family:var(--font-h);font-weight:700}
.lc-head b{font-size:2.2rem;color:var(--teal-d)}
.loan-calc input[type=range]{width:100%;accent-color:var(--coral);margin:14px 0 4px;height:6px}
.lc-scale{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted)}
.lc-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:16px 0}
.lc-row label{font-size:.85rem;color:var(--muted);font-weight:600}
.lc-row select{margin-top:6px}
.lc-out{display:flex;justify-content:space-between;align-items:center;background:var(--teal-l);border-radius:14px;padding:14px 18px;margin-bottom:16px}
.lc-out b{font-family:var(--font-h);font-size:1.6rem;color:var(--ink)}
.lc-note{font-size:.76rem;color:var(--muted);margin:12px 0 0}
/* ===== Hero F — Ticket Story ===== */
.heroF{position:relative;background:#1c1f26;color:#fff;overflow:hidden;padding:56px 0 72px}
.hf-photo{position:absolute;right:0;top:0;bottom:0;width:46%;background:#2a2f3a url(https://images.unsplash.com/photo-1529156069898-49953e39b3ac?auto=format&fit=crop&crop=faces&w=1000&h=1200&q=75) center 25%/cover;clip-path:ellipse(85% 100% at 100% 50%)}
.hf-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#1c1f26 0%,rgba(28,31,38,.15) 40%,transparent)}
.hf-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.hf-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,77,46,.15);color:#ffb3a3;font-weight:700;font-size:.8rem;letter-spacing:.05em;text-transform:uppercase;padding:7px 14px;border-radius:999px}
.hf-eyebrow svg{width:15px;height:15px}
.heroF h1{color:#fff;font-size:clamp(2.1rem,4.4vw,3.5rem);margin:.35em 0 .3em}
.heroF h1 b{color:#ff4d2e}
.hf-lead{color:#b9bfcc;font-size:1.12rem;max-width:560px}
.hf-ticket{position:relative;color:#1c1f26;padding:26px 28px;max-width:520px;margin-top:26px;scroll-margin-top:20px;isolation:isolate}
.hf-ticket:before{content:"";position:absolute;inset:0;z-index:-1;background:#fff;border-radius:22px;
 -webkit-mask:radial-gradient(circle 14px at 0 64px,#0000 98%,#000) left/51% 100% no-repeat,radial-gradient(circle 14px at 100% 64px,#0000 98%,#000) right/51% 100% no-repeat;
 mask:radial-gradient(circle 14px at 0 64px,#0000 98%,#000) left/51% 100% no-repeat,radial-gradient(circle 14px at 100% 64px,#0000 98%,#000) right/51% 100% no-repeat}
.hf-ticket h2{font-size:1.35rem;margin:0}
.hf-sub{color:#666;font-size:.9rem;margin:4px 0 14px}
.hf-form{min-height:120px}
.hf-fine{font-size:.72rem;color:#777;margin:12px 0 0;line-height:1.5}
.hf-notes{display:flex;flex-direction:column;gap:14px;align-items:flex-end}
.hf-n{background:rgba(255,255,255,.96);color:#1c1f26;border-radius:18px;padding:14px 18px;display:flex;gap:12px;align-items:center;box-shadow:0 20px 40px -18px rgba(0,0,0,.6);width:300px}
.hf-n i{flex:0 0 40px;height:40px;border-radius:12px;display:grid;place-items:center;font-style:normal;color:#fff;background:#ff4d2e;font-weight:800}
.hf-n b{display:block;font-family:var(--font-h)}.hf-n span{font-size:.82rem;color:#666}
.hf-n:nth-child(2){margin-right:60px}.hf-n:nth-child(2) i{background:#1fae6b}.hf-n:nth-child(3) i{background:#3b6bff}
@media(max-width:900px){.hf-grid{grid-template-columns:1fr}.hf-photo{width:100%;opacity:.3;clip-path:none}.hf-notes{display:none}.hf-ticket{max-width:none}}
/* ===== Ticker under hero ===== */
.ticker{background:#ff4d2e;color:#fff;overflow:hidden;white-space:nowrap;border-top:1px solid rgba(255,255,255,.18);border-bottom:1px solid rgba(0,0,0,.12)}
.tk-track{display:flex;width:max-content;animation:tk-scroll 38s linear infinite}
.ticker:hover .tk-track{animation-play-state:paused}
.tk-group{display:flex;align-items:center;flex-shrink:0}
.tk-item{font-family:var(--font-h);font-weight:700;font-size:1rem;padding:14px 0;letter-spacing:.01em}
.tk-dot{margin:0 26px;color:#1c1f26;font-size:.9rem}
@keyframes tk-scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.tk-track{animation:none}.ticker{overflow-x:auto}}
@media(max-width:600px){.tk-item{font-size:.9rem;padding:12px 0}.tk-dot{margin:0 18px}}
/* ===== Loan products — Photo Cards ===== */
.pc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.pc{position:relative;display:block;background:#fff;border-radius:28px;padding:12px 12px 24px;text-decoration:none;color:#1c1f26;box-shadow:0 2px 0 rgba(0,0,0,.03),0 20px 40px -30px rgba(28,31,38,.4);transition:.25s}
.pc:hover{transform:translateY(-6px);box-shadow:0 30px 50px -28px rgba(28,31,38,.45);color:#1c1f26}
.pc-ph{height:190px;border-radius:20px;background:#2a2f3a center 30%/cover no-repeat;position:relative}
.pc-pill{position:absolute;left:14px;bottom:-16px;background:#ff4d2e;color:#fff;font:800 .95rem var(--font-h);padding:9px 16px;border-radius:999px;box-shadow:0 10px 20px -8px rgba(255,77,46,.7)}
.pc-bd{padding:30px 14px 0}.pc-bd h3{font-size:1.2rem;margin:0}.pc-bd p{color:#5b6274;font-size:.94rem;line-height:1.6;margin:8px 0 0;padding-right:44px}
.pc-arr{position:absolute;right:20px;bottom:22px;width:44px;height:44px;border-radius:50%;background:#1c1f26;color:#fff;display:grid;place-items:center;font-weight:800;transition:.2s}
.pc:hover .pc-arr{background:#ff4d2e;transform:rotate(-45deg)}
@media(max-width:980px){.pc-grid{grid-template-columns:1fr 1fr}}@media(max-width:600px){.pc-grid{grid-template-columns:1fr}}
/* ===== How it works — Phone Walkthrough ===== */
.pw-box{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:center}
.pw-phone{width:290px;height:580px;margin:0 auto;border-radius:46px;background:#1c1f26;padding:14px;box-shadow:0 40px 80px -30px rgba(28,31,38,.6),inset 0 0 0 2px #3a3f4b;position:relative}
.pw-phone:before{content:"";position:absolute;top:22px;left:50%;transform:translateX(-50%);width:90px;height:22px;border-radius:12px;background:#000;z-index:2}
.pw-scr{position:relative;height:100%;border-radius:34px;background:#fbf9f5;overflow:hidden}
.pw-sc{position:absolute;inset:0;padding:60px 22px 22px;opacity:0;transform:translateY(12px);transition:.4s}.pw-sc.on{opacity:1;transform:none}
.pw-sc small{color:#ff4d2e;font-weight:700;font-size:.72rem}.pw-sc h4{font:800 1.2rem var(--font-h);margin:6px 0 16px;color:#1c1f26}
.pw-amt{font:800 2.4rem var(--font-h);color:#1c1f26}.pw-bar{height:6px;background:#eee;border-radius:9px;margin:12px 0 18px}.pw-bar i{display:block;height:100%;background:#ff4d2e;border-radius:9px}
.pw-fld{height:44px;border-radius:12px;background:#fff;border:1.5px solid #e6e8ee;margin-bottom:10px}
.pw-btn{margin-top:14px;background:#ff4d2e;color:#fff;text-align:center;font:700 .95rem var(--font-h);padding:14px;border-radius:14px}
.pw-spin{width:70px;height:70px;border-radius:50%;border:6px solid #f1e3df;border-top-color:#ff4d2e;margin:30px auto;animation:pwsp 1s linear infinite}@keyframes pwsp{to{transform:rotate(360deg)}}
.pw-ok{background:#fff;border-radius:12px;padding:12px;margin-bottom:8px;font-size:.88rem;font-weight:600;color:#1fae6b}
.pw-row{display:flex;justify-content:space-between;background:#fff;border-radius:12px;padding:13px 14px;margin-bottom:8px;font-size:.88rem;color:#1c1f26}
.pw-big{width:90px;height:90px;border-radius:50%;background:#1fae6b;color:#fff;display:grid;place-items:center;font-size:2.4rem;margin:50px auto 16px}
.pw-list{list-style:none;margin:0;padding:0}
.pw-li{all:unset;box-sizing:border-box;cursor:pointer;display:flex;gap:16px;align-items:flex-start;width:100%;padding:18px 20px;border-radius:20px;margin-bottom:10px;transition:.25s;border:1.5px solid transparent}
.pw-li:focus-visible{outline:2px solid #ff4d2e;outline-offset:2px}
.pw-bi{flex:0 0 48px;height:48px;border-radius:14px;background:#f3f4f7;color:#1c1f26;display:grid;place-items:center;transition:.25s}.pw-bi svg{width:22px;height:22px}
.pw-li b{display:block;font:700 1.15rem var(--font-h);color:#1c1f26}.pw-li em{display:block;font-style:normal;color:#5b6274;font-size:.95rem;line-height:1.6;margin-top:4px}
.pw-li small{display:inline-block;margin-top:8px;font-size:.78rem;font-weight:700;color:#ff4d2e}
.pw-li.on{background:#fff5f2;border-color:#ffd2c8}.pw-li.on .pw-bi{background:#ff4d2e;color:#fff}
@media(max-width:900px){.pw-box{grid-template-columns:1fr;gap:20px}.pw-phone{transform:scale(.85);margin:-40px auto}}
@media(prefers-reduced-motion:reduce){.pw-sc,.pw-spin{transition:none;animation:none}}
/* ===== Requirements — Clipboard Checklist ===== */
#loan-eligibility{background:#f3efe8!important}
.cb-box{display:grid;grid-template-columns:.8fr 1.2fr;gap:50px;align-items:center}
.cb-sub{color:#5b6274;font-size:1.06rem}
.cb-tips{list-style:none;padding:0;margin:0 0 26px}.cb-tips li{padding:10px 0 10px 30px;position:relative;color:#3a4150}
.cb-tips li:before{content:"→";position:absolute;left:0;color:#ff4d2e;font-weight:800}
.cb-more{font-weight:700;color:#1c1f26;text-decoration:none;border-bottom:2px solid #ff4d2e;padding-bottom:2px}
.cb-clip{position:relative;background:#fff;border-radius:24px;padding:56px 34px 46px;box-shadow:0 30px 60px -30px rgba(28,31,38,.45);transform:rotate(-1.5deg)}
.cb-clip:before{content:"";position:absolute;top:-18px;left:50%;transform:translateX(-50%);width:130px;height:40px;border-radius:12px;background:#1c1f26;box-shadow:inset 0 -6px 0 #ff4d2e}
.cb-clip h3{font-size:1.05rem;letter-spacing:.06em;text-transform:uppercase;color:#8a90a0;margin:0 0 14px}
.cb-clip ul{list-style:none;margin:0;padding:0}.cb-clip li{display:flex;gap:14px;align-items:flex-start;padding:16px 0;border-bottom:2px dashed #eceef2}
.cb-tick{flex:0 0 28px;height:28px;border-radius:50%;border:2px solid #1fae6b;color:#1fae6b;display:grid;place-items:center;font-weight:800;font-size:.85rem}
.cb-di{flex:0 0 40px;height:40px;border-radius:12px;background:#ffe9e4;color:#ff4d2e;display:grid;place-items:center}.cb-di svg{width:20px;height:20px}
.cb-clip b{display:block;font:700 1.05rem var(--font-h);color:#1c1f26}.cb-clip em{display:block;font-style:normal;color:#5b6274;font-size:.92rem;margin-top:3px}
.cb-stamp{position:absolute;right:-18px;bottom:-26px;transform:rotate(-14deg);border:4px solid #ff4d2e;color:#ff4d2e;font:800 1.4rem var(--font-h);letter-spacing:.12em;padding:8px 18px;border-radius:12px;background:rgba(255,255,255,.9)}
@media(max-width:900px){.cb-box{grid-template-columns:1fr}.cb-clip{transform:none;margin-top:20px}.cb-stamp{right:10px}}
/* ===== Why us — Shield Orbit ===== */
#loan-why{background:#1c1f26!important;color:#fff;border:0!important;overflow:hidden}
#loan-why .tag{background:rgba(255,77,46,.15);color:#ff8a72}
#loan-why h2{color:#fff}
.so-head{text-align:center;max-width:640px;margin:0 auto}.so-head p{color:#aab1c0;font-size:1.06rem}
.so-orb{display:grid;grid-template-columns:1fr 300px 1fr;grid-template-rows:auto auto;gap:30px 40px;align-items:center;margin-top:10px}
.so-shield{grid-column:2;grid-row:1/3;position:relative;width:300px;height:300px;display:grid;place-items:center}
.so-shield:before,.so-shield:after{content:"";position:absolute;inset:0;border-radius:50%;border:1.5px dashed rgba(255,138,114,.35)}
.so-shield:after{inset:40px;border-style:solid;border-color:rgba(255,77,46,.25)}
.so-shield svg{width:150px;height:170px;filter:drop-shadow(0 0 40px rgba(255,77,46,.55))}
.so-pt{max-width:330px}.so-p0{grid-column:1;grid-row:1;justify-self:end;text-align:right}.so-p1{grid-column:3;grid-row:1}
.so-p2{grid-column:1/4;grid-row:3;justify-self:center;text-align:center}
.so-ic{display:inline-grid;place-items:center;width:52px;height:52px;border-radius:16px;background:#ff4d2e;color:#fff;margin-bottom:12px}.so-ic svg{width:24px;height:24px}
.so-pt h3{color:#fff;font-size:1.25rem;margin:0 0 6px}.so-pt p{color:#aab1c0;line-height:1.65;margin:0}
.so-pt a{color:#ff8a72}
@media(max-width:900px){.so-orb{grid-template-columns:1fr}.so-shield{grid-column:1;grid-row:auto;margin:0 auto;width:220px;height:220px}.so-shield svg{width:110px}
.so-pt,.so-p0,.so-p1,.so-p2{grid-column:1;grid-row:auto;justify-self:center;text-align:center}}
/* ===== What is Concora Credit — Company ID Card ===== */
#what-is{background:#f3efe8!important}
.id-box{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.id-card{position:relative;aspect-ratio:1.586;max-width:470px;width:100%;border-radius:26px;padding:28px 30px;color:#fff;background:linear-gradient(135deg,#1c1f26 0%,#2c313d 60%,#ff4d2e 160%);box-shadow:0 40px 70px -30px rgba(28,31,38,.7);transform:rotate(-3deg)}
.id-chip{width:48px;height:36px;border-radius:8px;background:linear-gradient(135deg,#f7d98b,#c9a14a)}
.id-t{position:absolute;top:28px;right:30px;font-weight:700;font-size:.7rem;letter-spacing:.14em;color:#ff8a72}
.id-nm{font:800 1.6rem var(--font-h);margin:22px 0 2px;letter-spacing:.01em}.id-was{font-size:.82rem;color:#aab1c0}
.id-row{position:absolute;left:30px;right:30px;bottom:24px;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.id-row small{display:block;font-size:.62rem;letter-spacing:.12em;color:#8a90a0;font-weight:700}.id-row b{font:700 .9rem var(--font-h)}
.id-pts{list-style:none;padding:0;margin:18px 0 0}.id-pts li{display:flex;gap:14px;align-items:flex-start;padding:12px 0}
.id-d{flex:0 0 40px;height:40px;border-radius:12px;background:#ff4d2e;color:#fff;display:grid;place-items:center}.id-d svg{width:20px;height:20px}
.id-pts p{margin:0;font-size:.98rem;color:#3a4150}.id-pts a{color:#d63a1d;font-weight:600}
@media(max-width:900px){.id-box{grid-template-columns:1fr;gap:34px}.id-card{transform:none;margin:0 auto}.id-nm{font-size:1.3rem}}
@media(max-width:420px){.id-card{padding:20px}.id-row{left:20px;right:20px;bottom:16px}.id-t{top:20px;right:20px}}
@media(max-width:560px){.id-card{aspect-ratio:auto}.id-row{position:static;margin-top:22px}.id-row b{font-size:.82rem}}
/* ===== Services — Card Trio + Chips ===== */
#services{background:#fff!important}
.ct-trio{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-bottom:10px}
.ct-cd{display:block;text-decoration:none;color:#1c1f26;transition:.25s}.ct-cd:hover{transform:translateY(-6px);color:#1c1f26}
.ct-art{position:relative;aspect-ratio:1.586;border-radius:20px;padding:20px;color:#fff;box-shadow:0 26px 40px -26px rgba(28,31,38,.7);margin-bottom:14px}
.ct-chip{display:block;width:40px;height:30px;border-radius:7px;background:linear-gradient(135deg,#f7d98b,#c9a14a)}
.ct-mc{position:absolute;right:20px;bottom:18px;display:flex}.ct-mc i{width:30px;height:30px;border-radius:50%;background:#eb001b;opacity:.9}.ct-mc i+i{background:#f79e1b;margin-left:-12px}
.ct-lab{position:absolute;left:20px;bottom:22px;font-weight:700;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;opacity:.85}
.ct-cd h3{font-size:1.12rem;margin:0}.ct-cd small{color:#5b6274;font-size:.92rem}
.ct-note{font-size:.78rem;color:#8a90a0;margin:6px 0 26px}
.ct-chips{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.ct-ch{display:flex;gap:12px;align-items:center;padding:14px 16px;border:1.5px solid #eceef2;border-radius:18px;text-decoration:none;color:#1c1f26;transition:.2s}
.ct-ch:hover{border-color:#ff4d2e;background:#fff5f2;color:#1c1f26}
.ct-i{flex:0 0 40px;height:40px;border-radius:12px;background:#1c1f26;color:#fff;display:grid;place-items:center;transition:.2s}.ct-i svg{width:20px;height:20px}.ct-ch:hover .ct-i{background:#ff4d2e}
.ct-ch b{display:block;font:700 .95rem var(--font-h)}.ct-ch small{color:#5b6274;font-size:.84rem}
@media(max-width:900px){.ct-trio,.ct-chips{grid-template-columns:1fr}.ct-art{max-width:400px}}
/* ===== Cards at a glance — Spec Cards ===== */
#cards{background:#fff!important}
.sc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.sc-c{background:#fbf9f5;border-radius:26px;overflow:hidden;display:flex;flex-direction:column;transition:.25s}
.sc-c:hover{transform:translateY(-6px);box-shadow:0 30px 50px -30px rgba(28,31,38,.5)}
.sc-top{color:#fff;padding:24px 24px 22px}.sc-top small{opacity:.75;font-weight:600;font-size:.8rem}.sc-top h3{color:#fff;font-size:1.7rem;margin:2px 0 10px}
.sc-bf{display:inline-block;background:rgba(255,255,255,.18);border-radius:999px;padding:6px 12px;font-size:.82rem;font-weight:700}
.sc-c dl{display:grid;grid-template-columns:auto 1fr;gap:8px 14px;margin:20px 24px 6px;font-size:.92rem}.sc-c dt{color:#8a90a0;font-weight:600}.sc-c dd{margin:0;font-weight:600}
.sc-c ul{list-style:none;padding:0;margin:10px 24px}.sc-c li{display:flex;gap:10px;padding:6px 0;font-size:.92rem;color:#3a4150}.sc-c li span{color:#1fae6b;font-weight:800}
.sc-go{margin:auto 24px 22px;padding-top:12px;font-weight:700;color:#d63a1d}
.sc-note{font-size:.82rem;color:#8a90a0;margin-top:18px}.sc-note a{color:#d63a1d;font-weight:600}
@media(max-width:900px){.sc-grid{grid-template-columns:1fr}}
.sc-c li.sc-uniq span{color:#ff4d2e}
.sc-watch{margin:4px 24px 0;font-size:.86rem;color:#6b5a2b;background:#fff7e4;border-radius:12px;padding:10px 12px}.sc-watch a{color:#d63a1d;font-weight:600}
/* ===== Slim homepage sections ===== */
.hs-sub{font-size:1.1rem;margin:40px 0 14px}
.hs-chips{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.hs-ch{display:flex;gap:12px;align-items:center;padding:14px 16px;border:1.5px solid #eceef2;border-radius:18px;background:#fff;text-decoration:none;color:#1c1f26;transition:.2s}
.hs-ch:hover{border-color:#ff4d2e;background:#fff5f2;color:#1c1f26}
.hs-i{flex:0 0 40px;height:40px;border-radius:12px;background:#1c1f26;color:#fff;display:grid;place-items:center;transition:.2s}.hs-i svg{width:20px;height:20px}.hs-ch:hover .hs-i{background:#ff4d2e}
.hs-ch b{display:block;font:700 .95rem var(--font-h)}.hs-ch small{color:#5b6274;font-size:.84rem}
.hs-more{font-weight:700;color:#1c1f26;text-decoration:none;border-bottom:2px solid #ff4d2e;padding-bottom:2px}
#calculator,#loan-calc{background:#1c1f26!important;color:#fff}
#calculator h2,#loan-calc h2{color:#fff}#calculator .tag,#loan-calc .tag{background:rgba(255,77,46,.15);color:#ff8a72}
.hc-box{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.hc-sub{color:#b9bfcc;font-size:1.06rem}
.hc-facts{list-style:none;padding:0;margin:22px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.hc-facts li{background:#262a33;border-radius:16px;padding:14px}.hc-facts b{display:block;font:800 1.1rem var(--font-h);color:#ff8a72}.hc-facts span{font-size:.8rem;color:#aab1c0}
.hc-rep,.hc-more{font-size:.86rem;color:#aab1c0}.hc-rep a,.hc-more a,#loan-calc a{color:#ff8a72}
#loan-calc .callout{background:#262a33;border-color:#ff4d2e;color:#dfe3ea}#loan-calc p{color:#b9bfcc}
.hr-box{display:grid;grid-template-columns:.9fr 1.1fr;gap:26px;align-items:stretch}
.hr-score{background:#1c1f26;color:#fff;border-radius:26px;padding:28px}
.hr-num{font:800 3.4rem/1 var(--font-h);color:#fff}.hr-num small{font-size:1.2rem;color:#aab1c0}
.hr-stars{color:#ff4d2e;font-size:1.3rem;letter-spacing:2px;margin:6px 0}.hr-stars span{color:#4a4f5c}
.hr-score p{color:#aab1c0;font-size:.86rem}.hr-score p a{color:#ff8a72}
.hr-row{display:grid;grid-template-columns:150px 1fr 34px;gap:10px;align-items:center;margin:10px 0;font-size:.88rem;color:#dfe3ea}
.hr-bar{height:8px;background:#2e333e;border-radius:9px;overflow:hidden}.hr-bar i{display:block;height:100%;background:linear-gradient(90deg,#ff4d2e,#ffb020)}
.hr-pc{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-content:start}
.hr-col{border-radius:22px;padding:22px}.hr-good{background:#f3fbf7}.hr-bad{background:#fff8ec}.hr-col h3{font-size:1.05rem;margin:0 0 8px}
.hr-col ul{list-style:none;padding:0;margin:0}.hr-col li{padding:6px 0 6px 28px;position:relative;font-size:.93rem;color:#3a4150}
.hr-good li:before{content:"✓";position:absolute;left:0;top:7px;width:20px;height:20px;border-radius:50%;background:#1fae6b;color:#fff;font-size:.7rem;font-weight:800;display:grid;place-items:center}
.hr-bad li:before{content:"!";position:absolute;left:0;top:7px;width:20px;height:20px;border-radius:50%;background:#ffb020;color:#fff;font-size:.75rem;font-weight:800;display:grid;place-items:center}
.hr-note{font-size:.78rem;color:#8a90a0;margin-top:14px}
#blog{background:#fff!important}
.hb-head{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;flex-wrap:wrap;margin-bottom:24px}
.hb-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.hb-c{display:block;background:#fbf9f5;border-radius:24px;overflow:hidden;text-decoration:none;color:#1c1f26;transition:.25s}.hb-c:hover{transform:translateY(-5px);color:#1c1f26;box-shadow:0 26px 40px -30px rgba(28,31,38,.5)}
.hb-ph{height:210px;background:#2a2f3a center 30%/cover}.hb-bd{padding:18px 20px 22px}.hb-bd h3{font-size:1.1rem;margin:10px 0 6px}.hb-bd p{color:#5b6274;font-size:.92rem;margin:0}
#contact{background:#fff!important;border-top:1px solid #f0ece4}
.hk-box{display:grid;grid-template-columns:.8fr 1.2fr;gap:40px;align-items:center}
.hk-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.hk-c{display:flex;flex-direction:column;gap:4px;background:#262a33;border-radius:22px;padding:22px;text-decoration:none;color:#fff;transition:.25s}
.hk-c:hover{background:#ff4d2e;color:#fff;transform:translateY(-4px)}.hk-c small{color:#aab1c0}.hk-c:hover small{color:#ffe3dc}
.hk-i{width:44px;height:44px;border-radius:14px;background:rgba(255,77,46,.15);color:#ff6a4d;display:grid;place-items:center;margin-bottom:10px}.hk-i svg{width:22px;height:22px}.hk-c:hover .hk-i{background:#fff;color:#ff4d2e}
.hk-c b{font:700 1.02rem var(--font-h)}
.pg-head{background:#f3efe8!important;padding:48px 0!important}.pg-head h1{margin-top:0}
@media(max-width:900px){.hs-chips,.hb-grid,.hk-grid,.hc-facts{grid-template-columns:1fr}.hc-box,.hr-box,.hr-pc,.hk-box{grid-template-columns:1fr}}
.loan-calc{color:#1c1f26}.loan-calc .lc-out span{color:#1c1f26}
/* customer review cards */
.rv-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.rv-c{margin:0;background:#fff;border-radius:22px;padding:26px 26px 22px;display:flex;flex-direction:column;box-shadow:0 18px 40px -30px rgba(28,31,38,.35)}
.rv-st{color:#d4a24c;letter-spacing:2px;font-size:.95rem}.rv-off{opacity:.3}
.rv-c blockquote{margin:14px 0 20px;font-style:italic;color:#3a4150;line-height:1.7;font-size:.95rem;flex:1}
.rv-who{display:flex;align-items:center;gap:12px}.rv-who img,.rv-ini{width:38px;height:38px;border-radius:50%;object-fit:cover;flex:0 0 38px}
.rv-ini{display:grid;place-items:center;background:#ffe9e4;color:#d63a1d;font-weight:800;font-size:.85rem}
.rv-who b{display:block;font-size:.95rem;color:#1c1f26}.rv-who small{color:#8a90a0;font-size:.78rem}
.rv-src{margin:12px 0 0;font-size:.74rem;color:#8a90a0}
.rv-more{text-align:center;margin:28px 0 0}.rv-btn{display:inline-block;text-decoration:none;border:1.5px solid #d4a24c;color:#9a6b1f;padding:13px 26px;border-radius:999px;font-weight:700}
.rv-btn:hover{background:#d4a24c;color:#fff}
@media(max-width:900px){.rv-grid{grid-template-columns:1fr 1fr}}@media(max-width:600px){.rv-grid{grid-template-columns:1fr}}
/* expert quote cards (reviews) */
.xq-sum{display:flex;align-items:center;gap:18px;margin:-6px 0 24px}.xq-big{font:800 3rem/1 var(--font-h);color:#1c1f26}.xq-big span{font-size:1rem;color:#8a90a0}
.xq-sum .xq-st{font-size:1.2rem}.xq-sum small{display:block;color:#5b6274;font-size:.85rem}
.xq-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.xq-c{margin:0;background:#fff;border-radius:24px;padding:26px;display:flex;flex-direction:column;box-shadow:0 18px 40px -30px rgba(28,31,38,.35);border:1px solid #f1ede5}
.xq-top{display:flex;justify-content:space-between;align-items:center}.xq-st{color:#d4a24c;letter-spacing:2px}.xq-off{opacity:.25}
.xq-pill{font:800 .78rem Inter,sans-serif;background:#f4f1ea;color:#1c1f26;padding:4px 10px;border-radius:999px}
.xq-c blockquote{margin:14px 0 20px;padding:0;border:0;font-style:italic;color:#3a4150;line-height:1.7;flex:1}
.xq-who{display:flex;align-items:center;gap:12px}.xq-av{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;color:#fff;font:800 .8rem Inter,sans-serif;flex:none}
.xq-who a{display:block;font-weight:700;color:#1c1f26;text-decoration:none}.xq-who a:hover{color:#d63a1d}.xq-who small{display:block;color:#8a90a0;font-size:.78rem;line-height:1.4;margin-top:2px}
.xq-more{text-align:center;margin:30px 0 0}.xq-btn{display:inline-block;border:1.5px solid #ff4d2e;color:#d63a1d;padding:13px 28px;border-radius:999px;font-weight:700;text-decoration:none}.xq-btn:hover{background:#ff4d2e;color:#fff}
.xq-note{text-align:center;color:#8a90a0;font-size:.82rem;margin-top:14px}
@media(max-width:900px){.xq-grid{grid-template-columns:1fr 1fr}}@media(max-width:600px){.xq-grid{grid-template-columns:1fr}}
/* centered CTA band */
.cta-band{flex-direction:column;justify-content:center;text-align:center;padding:48px 28px}
.cta-band>div{max-width:720px;margin:0 auto}.cta-band p{margin:0 auto}
/* inner page hero */
.page-hero{position:relative;overflow:hidden;text-align:center;color:#c9ceda;padding:46px 0 56px;
 background:radial-gradient(600px 300px at 15% 0%,rgba(255,77,46,.28),transparent 70%),radial-gradient(500px 280px at 90% 100%,rgba(255,176,32,.16),transparent 70%),#1c1f26}
.page-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:36px 36px;mask-image:linear-gradient(#000,transparent 85%);-webkit-mask-image:linear-gradient(#000,transparent 85%);pointer-events:none}
.page-hero .wrap{position:relative;max-width:860px}
.page-hero h1{color:#fff;margin:.25em auto .3em;font-size:clamp(1.9rem,4vw,2.9rem);line-height:1.15}
.page-hero .lead,.page-hero p{color:#c9ceda;margin:0 auto;max-width:700px}
.page-hero .muted{color:#9aa1b2;font-size:.85rem;margin-bottom:6px}
.page-hero .tag{background:rgba(255,77,46,.16);color:#ff8a72}
.page-hero .hero-ctas{justify-content:center;display:flex;margin-top:22px}
.ph-crumbs{margin:0 0 14px}.ph-crumbs ol{display:flex;justify-content:center;flex-wrap:wrap;gap:6px;list-style:none;padding:0;margin:0;font-size:.82rem}
.ph-crumbs li{color:#9aa1b2}.ph-crumbs li+li:before{content:"›";margin-right:6px;color:#6b7284}.ph-crumbs a{color:#ff8a72;text-decoration:none}
.page-hero+.wrap,.page-hero+div{padding-top:40px!important}
/* logo option 1 */
.logo{gap:10px}.logo svg{width:40px;height:40px;flex:none}
.logo .lw{font:800 1.35rem/1 var(--font-h);letter-spacing:-.03em;white-space:nowrap}
.logo .lap{font:700 .64rem/1 Inter,sans-serif;font-style:normal;letter-spacing:.06em;text-transform:uppercase;background:#ffe9e4;color:#d63a1d;padding:4px 7px;border-radius:6px}
@media(max-width:420px){.logo .lw{font-size:1.15rem}.logo svg{width:34px;height:34px}}
/* simplified footer */
footer.site .fcols{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:36px}
footer.site .fbrand p{color:#9aa1b2;font-size:.9rem;margin:14px 0 16px;max-width:280px}
footer.site .fcols h4{color:#ff8a72;font:700 .78rem Inter,sans-serif;letter-spacing:.1em;text-transform:uppercase;margin:6px 0 16px}
footer.site .fcols ul{list-style:none;padding:0;margin:0}footer.site .fcols li{margin:0 0 12px}
footer.site .fcols li a{color:#b9bfcc;text-decoration:none;font-size:.95rem}footer.site .fcols li a:hover{color:#fff}
footer.site .flinks a{color:#9aa1b2}
@media(max-width:900px){footer.site .fcols{grid-template-columns:1fr 1fr}footer.site .fbrand{grid-column:1/-1}}
.merged{scroll-margin-top:20px;margin-top:40px;padding-top:28px;border-top:1px solid #ece7dd}
/* contact: "I want to" strip */
.kw-sec{background:#fff!important;border-top:1px solid #f0ece4}
.kw-top{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:28px}.kw-top p{margin:0;color:#5b6274;max-width:420px}
.kw-lab{font:800 1rem var(--font-h);color:#8a90a0;margin-bottom:12px}
.kw-g{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.kw-p{display:flex;align-items:center;gap:14px;border:2px solid #1c1f26;border-radius:999px;padding:12px 22px 12px 12px;color:#1c1f26;text-decoration:none;transition:.2s}
.kw-p:hover{background:#1c1f26;color:#fff}.kw-p:hover small{color:#b9bfcc}
.kw-ic{width:52px;height:52px;border-radius:50%;background:#f4f1ea;color:#ff4d2e;display:grid;place-items:center;flex:none}
.kw-p b{display:block;font:800 1rem var(--font-h)}.kw-p small{color:#5b6274;font-size:.84rem}
.kw-hi{background:#ff4d2e;border-color:#ff4d2e;color:#fff}.kw-hi small{color:#ffe3da}.kw-hi .kw-ic{background:#fff}.kw-hi:hover{background:#e63f20;border-color:#e63f20}
.kw-nt{font-size:.8rem;color:#8a90a0;margin-top:18px}
@media(max-width:900px){.kw-g{grid-template-columns:1fr}}