/* ===== RealtyResolve landing pages — shared base (used by all service landing pages) ===== */
:root{
  --white:#FFFFFF;--ivory:#FFFFFF;--ivory-2:#FFFFFF;
  --navy:#081A33;--navy-2:#0E2E54;--navy-3:#1B4A7E;
  --blue:#1E40AF;--blue-bright:#2563EB;--blue-deep:#1D4ED8;
  --red:#B42318;--orange:#F97316;--orange-deep:#EA580C;--charcoal:#111827;
  --green:#16A34A;--wa:#25D366;--gold:#C8A04B;
  --radius-sm:8px;--radius:14px;--radius-lg:20px;
  --ease:cubic-bezier(.22,1,.36,1);--container:1180px;
  --font-serif:'Playfair Display',Georgia,'Times New Roman',serif;
  --page:#FFFFFF;--surface:#FFFFFF;--surface-2:#FFFFFF;--surface-3:#FFFFFF;
  --ink:#081A33;--text:#16223A;--text-soft:#475569;--text-mute:#6B7280;
  --border:#E3E8F0;--border-strong:#CBD3E1;
  --blue-soft:#EAF1FE;--orange-soft:#FFF3EA;--red-soft:#FEF2F2;
  --input-bg:#FFFFFF;--nav-bg:rgba(255,255,255,.94);--nav-bd:#E3E8F0;
  --hero-grad:linear-gradient(180deg,#FFFFFF 0%,#FFFFFF 100%);
  --shadow-sm:0 1px 2px rgba(8,26,51,.05),0 1px 3px rgba(8,26,51,.07);
  --shadow:0 6px 20px rgba(8,26,51,.08),0 2px 8px rgba(8,26,51,.05);
  --shadow-lg:0 20px 50px rgba(8,26,51,.13),0 8px 20px rgba(8,26,51,.07);
  --glow-orange:0 12px 36px rgba(249,115,22,.24);--glow-blue:0 12px 36px rgba(37,99,235,.22);
  --hl-grad:linear-gradient(120deg,var(--navy-2) 0%,var(--blue) 55%,var(--blue-deep) 100%);
}
[data-theme="dark"]{
  --page:#0A0A0B;--surface:#161618;--surface-2:#101012;--surface-3:#131315;
  --ink:#F5F5F4;--text:#DDDDDC;--text-soft:#ABABA9;--text-mute:#80807E;
  --border:rgba(255,255,255,.11);--border-strong:rgba(255,255,255,.22);
  --blue-soft:rgba(255,255,255,.08);--orange-soft:rgba(249,115,22,.13);--red-soft:rgba(239,68,68,.12);
  --input-bg:#131315;--nav-bg:rgba(10,10,11,.90);--nav-bd:rgba(255,255,255,.10);
  --hero-grad:linear-gradient(180deg,#141416 0%,#0A0A0B 100%);
  --shadow-sm:0 1px 2px rgba(0,0,0,.45);--shadow:0 10px 30px rgba(0,0,0,.5);--shadow-lg:0 24px 60px rgba(0,0,0,.6);
  --glow-orange:0 12px 36px rgba(249,115,22,.30);--glow-blue:0 14px 36px rgba(0,0,0,.55);
  --hl-grad:linear-gradient(120deg,#FDBA74 0%,#F97316 100%);
}
:root{--green:#1FA855;--wa:#25D366;--red:#B42318;}
[data-theme="dark"]{--green:#31c06f;}

/* ===== base ===== */
*{box-sizing:border-box;margin:0;padding:0}
*::selection{background:var(--navy);color:#fff}
[data-theme="dark"] *::selection{background:var(--orange);color:#0A0A0B}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;background:var(--page);color:var(--text);font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden;transition:background .4s var(--ease),color .4s var(--ease)}
img,svg{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none;color:inherit}
input,select,textarea{font-family:inherit;font-size:inherit;color:inherit}
h1,h2,h3,h4,h5{font-family:'Manrope','Inter',sans-serif;font-weight:700;color:var(--ink);line-height:1.22;letter-spacing:-.01em}
.hero h1,.section-head h2,.form-aside h2,.closing h2,.panel-head h3,.mpanel .route-line{font-family:var(--font-serif);font-weight:700;letter-spacing:-.015em;line-height:1.14}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}.r{opacity:1!important;transform:none!important}}
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 28px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:300}
.skip-link:focus{left:0}
:focus-visible{outline:2.5px solid var(--orange);outline-offset:3px;border-radius:4px}

/* ===== eyebrow / sections / section-head ===== */
.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:6px 14px;border-radius:100px;background:var(--blue-soft);color:var(--blue-deep);font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase}
[data-theme="dark"] .eyebrow{color:#9BC0FF}
.eyebrow.eyebrow--orange{background:var(--orange-soft);color:var(--orange)}
.eyebrow.eyebrow--red{background:var(--red-soft);color:var(--red)}
[data-theme="dark"] .eyebrow.eyebrow--red{color:#FCA5A5}
.section{padding:clamp(36px,4vw,54px) 0;position:relative}
.section--ivory{background:var(--page);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
[data-theme="dark"] .section--ivory{background:linear-gradient(180deg,var(--surface-2) 0%,var(--surface-3) 100%)}
.section--white{background:var(--page)}
.section-head{max-width:760px;margin:0 0 clamp(20px,2.4vw,28px)}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head h2{font-size:clamp(1.6rem,3vw,2.4rem);margin:12px 0 12px}
.section-head .lead,.section-head p{color:var(--text-soft);font-size:1rem;line-height:1.7}

/* ===== buttons ===== */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 26px;border-radius:100px;font-family:'Inter',sans-serif;font-weight:650;font-size:.95rem;letter-spacing:.01em;cursor:pointer;transition:all .25s var(--ease);border:1.5px solid transparent;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-lg{padding:16px 30px;font-size:1rem}
.btn-primary{background:linear-gradient(135deg,var(--orange) 0%,var(--orange-deep) 100%);color:#fff;box-shadow:0 8px 22px rgba(249,115,22,.36)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(249,115,22,.46)}
.btn-blue{background:linear-gradient(135deg,var(--blue) 0%,var(--blue-deep) 100%);color:#fff;box-shadow:0 8px 22px rgba(37,99,235,.36)}
.btn-blue:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(37,99,235,.46)}
.btn-outline{background:transparent;color:var(--navy-2);border:2.5px solid var(--navy-2);font-weight:700}
.btn-outline:hover{background:rgba(8,26,51,.05)}
[data-theme="dark"] .btn-outline{color:var(--ink);border-color:rgba(255,255,255,.55)}
[data-theme="dark"] .btn-outline:hover{background:rgba(255,255,255,.06)}
.btn-wa{background:var(--wa);color:#fff;box-shadow:0 8px 22px rgba(37,211,102,.34)}
.btn-wa:hover{background:#1DA851;transform:translateY(-2px)}
.btn-primary,.btn-blue{position:relative;overflow:hidden}
.btn-primary::after,.btn-blue::after{content:"";position:absolute;top:0;left:-120%;width:60%;height:100%;background:linear-gradient(120deg,transparent,rgba(255,255,255,.35),transparent);transform:skewX(-20deg);transition:left .55s var(--ease);pointer-events:none}
.btn-primary:hover::after,.btn-blue:hover::after{left:140%}

/* ===== NAV (main-site chrome) ===== */
.nav{position:sticky;top:0;left:0;right:0;z-index:100;background:var(--nav-bg);backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--nav-bd);transition:background .4s var(--ease),border-color .4s var(--ease),box-shadow .3s var(--ease)}
.nav.fx-scrolled{box-shadow:var(--shadow)}
.nav__inner{display:flex;align-items:center;justify-content:space-between;gap:16px;max-width:var(--container);margin:0 auto;padding:12px 28px}
.nav__logo{display:flex;align-items:center;gap:12px;cursor:pointer}
.brand-mark{width:46px;height:46px;border-radius:12px;background:#F7F5EF;border:1px solid rgba(8,26,51,.10);padding:5px;object-fit:contain;flex-shrink:0;transition:transform .25s var(--ease);box-shadow:0 2px 8px rgba(8,26,51,.10)}
.nav__logo:hover .brand-mark{transform:scale(1.05)}
.nav__brand{display:flex;flex-direction:column;line-height:1.1}
.nav__brand-name{font-family:'Manrope',sans-serif;font-weight:800;font-size:1.04rem;color:var(--ink)}
.nav__brand-sub{font-size:.66rem;color:var(--text-mute);font-weight:500;margin-top:3px;letter-spacing:.06em;text-transform:uppercase}
.nav__links{display:flex;list-style:none;gap:18px;align-items:center;flex-wrap:nowrap}
.nav__links a{font-size:.86rem;font-weight:650;color:var(--ink);transition:color .2s var(--ease);position:relative;cursor:pointer;white-space:nowrap}
.nav__links a:hover{color:var(--blue-bright)}
.nav__links a::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;background:var(--blue-bright);transform:scaleX(0);transition:transform .25s var(--ease)}
.nav__links a:hover::after{transform:scaleX(1)}
.nav__right{display:flex;align-items:center;gap:12px}
.nav__phone{display:inline-flex;align-items:center;gap:7px;font-size:.84rem;font-weight:650;color:var(--ink)}
.nav__phone svg{width:15px;height:15px;color:var(--orange)}
.nav__cta .btn{padding:11px 20px;font-size:.84rem}
.theme-toggle{width:42px;height:42px;border-radius:11px;border:1px solid var(--border);background:var(--surface);display:flex;align-items:center;justify-content:center;color:var(--ink);transition:all .25s var(--ease);flex-shrink:0}
.theme-toggle:hover{border-color:var(--orange);color:var(--orange);transform:rotate(12deg)}
.theme-toggle svg{width:20px;height:20px}
.theme-toggle .ic-sun{display:none}
[data-theme="dark"] .theme-toggle .ic-sun{display:block}
[data-theme="dark"] .theme-toggle .ic-moon{display:none}
.nav__toggle{display:none;width:42px;height:42px;border-radius:11px;border:1px solid var(--border);background:var(--surface);flex-direction:column;align-items:center;justify-content:center;gap:5px}
.nav__toggle span{display:block;width:20px;height:2px;background:var(--ink);border-radius:2px;transition:all .25s var(--ease)}
.nav__mobile{display:none;background:var(--surface);border-bottom:1px solid var(--border);padding:12px 28px 22px}
.nav__mobile ul{list-style:none;display:flex;flex-direction:column;gap:6px}
.nav__mobile a{display:block;padding:12px 4px;font-size:.96rem;color:var(--ink);font-weight:500;border-bottom:1px solid var(--border);cursor:pointer}
.nav__mobile-cta{display:flex;gap:10px;margin-top:14px;flex-wrap:wrap}
.nav__mobile-cta .btn{flex:1;min-width:140px;padding:12px 18px;font-size:.88rem}
.nav.open .nav__mobile{display:block}
.nav.open .nav__toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav.open .nav__toggle span:nth-child(2){opacity:0}
.nav.open .nav__toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ===== effects: progress / reveal / spotlight / sticky ===== */
#fxProgress{position:fixed;top:0;left:0;height:3px;width:0;z-index:300;background:linear-gradient(90deg,var(--blue-bright) 0%,var(--navy-2) 50%,var(--orange) 100%);border-radius:0 3px 3px 0;box-shadow:0 0 12px rgba(249,115,22,.40);pointer-events:none;transition:width .15s linear}
[data-theme="dark"] #fxProgress{background:var(--orange)}
.r{opacity:0;transform:translateY(18px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.r.in{opacity:1;transform:none}
.fx-host{position:relative}
.fx-glow{position:absolute;inset:0;border-radius:inherit;pointer-events:none;opacity:0;transition:opacity .35s var(--ease);z-index:2;background:radial-gradient(240px circle at var(--mx,50%) var(--my,50%),rgba(37,99,235,.10),rgba(249,115,22,.05) 45%,transparent 70%)}
.fx-host:hover .fx-glow{opacity:1}
.section--dark .fx-glow,.closing .fx-glow{background:radial-gradient(240px circle at var(--mx,50%) var(--my,50%),rgba(255,255,255,.10),transparent 70%)}
[data-theme="dark"] .fx-glow{background:radial-gradient(240px circle at var(--mx,50%) var(--my,50%),rgba(255,255,255,.08),transparent 70%)}
@media (prefers-reduced-motion:reduce){.fx-glow{display:none}#fxProgress{transition:none}}
.sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:96;background:rgba(8,26,51,.96);backdrop-filter:saturate(160%) blur(10px);-webkit-backdrop-filter:saturate(160%) blur(10px);border-top:1px solid rgba(249,115,22,.4);box-shadow:0 -8px 30px rgba(8,26,51,.28);transform:translateY(110%);transition:transform .35s var(--ease);padding:10px 0}
.sticky-cta.show{transform:translateY(0)}
[data-theme="dark"] .sticky-cta{background:rgba(14,14,16,.96);border-top:1px solid rgba(249,115,22,.45);box-shadow:0 -8px 30px rgba(0,0,0,.55)}
.sticky-cta__inner{max-width:var(--container);margin:0 auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between;gap:14px}
.sticky-cta__text{display:flex;flex-direction:column;line-height:1.2;min-width:0}
.sticky-cta__text strong{color:#fff;font-family:'Manrope',sans-serif;font-weight:700;font-size:.96rem}
.sticky-cta__text span{color:rgba(255,255,255,.66);font-size:.76rem;margin-top:2px}
.sticky-cta__actions{display:flex;align-items:center;gap:10px;flex-shrink:0}
.sticky-cta__actions .btn{padding:11px 20px;font-size:.86rem}

/* ===== HERO ===== */
.hero{padding:clamp(40px,5vw,64px) 0 clamp(38px,4.4vw,56px);background:var(--hero-grad);position:relative;overflow:hidden}
.hero__grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:40px;align-items:center;position:relative;z-index:1}
.hero-badge{display:inline-flex;align-items:center;gap:8px;padding:6px 14px;border-radius:100px;background:var(--surface);border:1.5px solid var(--border-strong);font-size:.78rem;font-weight:600;color:var(--text-soft);margin-bottom:16px}
.hero-badge b{color:var(--navy-2);font-weight:700}
[data-theme="dark"] .hero-badge b{color:var(--orange)}
.hero h1{font-size:clamp(1.45rem,2.4vw,2rem);margin:0 0 14px;letter-spacing:-.015em}
.hero h1 .hl{color:var(--navy-2)}
[data-theme="dark"] .hero h1 .hl{color:var(--orange)}
.hero .sub{font-size:.98rem;color:var(--text-soft);line-height:1.68;max-width:540px;margin-bottom:20px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-bottom:18px}
.hero-cta .wa-text{display:inline-flex;align-items:center;gap:8px;font-weight:650;font-size:.95rem;color:var(--green)}
.hero-cta .wa-text svg{width:18px;height:18px}
.assure{display:flex;gap:8px;flex-wrap:wrap;margin-top:6px}
.assure .a{display:inline-flex;align-items:center;gap:7px;padding:6px 12px;background:var(--surface);border:1px solid var(--border-strong);border-radius:100px;font-size:.78rem;font-weight:600;color:var(--text-soft)}
.assure svg{width:15px;height:15px;color:var(--green);flex-shrink:0}
.snap{background:var(--surface);border:2.5px solid var(--blue-bright);border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);padding:26px;position:relative;overflow:hidden}
.snap::before{content:"";position:absolute;top:0;left:0;right:0;height:6px;background:linear-gradient(90deg,var(--blue-bright) 0%,var(--navy-2) 50%,var(--orange) 100%)}
.snap-head{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:5px}
.snap-head .st{display:flex;align-items:center;gap:9px;font-family:'Manrope',sans-serif;font-size:1rem;font-weight:800;color:var(--ink)}
.snap-head .st svg{width:18px;height:18px;color:var(--orange)}
.snap-pill{display:inline-flex;align-items:center;gap:6px;background:var(--orange-soft);border:1px solid rgba(249,115,22,.35);color:var(--orange-deep);font-size:.68rem;font-weight:700;letter-spacing:.03em;text-transform:uppercase;padding:4px 10px;border-radius:100px}
[data-theme="dark"] .snap-pill{color:var(--orange)}
.snap-sub{font-size:.78rem;color:var(--text-mute);margin-bottom:14px;padding-bottom:14px;border-bottom:1px dashed var(--border)}
.snap-row{display:flex;align-items:center;gap:11px;padding:8px 0;font-size:.86rem}
.snap-row.kv{justify-content:space-between}
.snap-row .dd{width:8px;height:8px;border-radius:50%;background:var(--orange);flex-shrink:0}
.snap-row .lbl{color:var(--text-soft);display:flex;align-items:center;gap:9px}
.snap-row .val{color:var(--ink);font-weight:650;margin-left:auto}

/* ===== TRUST bar ===== */
.trust{border-top:1px solid var(--border);border-bottom:1px solid var(--border);background:var(--surface-2)}
[data-theme="dark"] .trust{background:var(--surface-2)}
.trust .container{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:22px 28px}
.trust .t{display:flex;align-items:center;gap:11px}
.trust .t svg{width:22px;height:22px;color:var(--orange);flex-shrink:0}
.trust .t b{font-family:'Manrope',sans-serif;font-size:.86rem;color:var(--ink);display:block;line-height:1.25}
.trust .t span{font-size:.76rem;color:var(--text-soft)}

/* ===== generic feature cards (accent bar) ===== */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:26px 22px;position:relative;overflow:hidden;transition:all .3s var(--ease);box-shadow:var(--shadow-sm)}
.card::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--blue-bright)}
.card:nth-child(2n)::before{background:var(--orange)}
.card:nth-child(3n)::before{background:var(--navy-3)}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.card .ic{width:54px;height:54px;border-radius:14px;display:grid;place-items:center;margin-bottom:16px;background:var(--blue);color:#fff;box-shadow:var(--glow-blue)}
.card:nth-child(2n) .ic{background:var(--orange);box-shadow:var(--glow-orange)}
.card:nth-child(3n) .ic{background:var(--navy);box-shadow:0 10px 32px rgba(8,26,51,.20)}
.card .ic svg{width:24px;height:24px}
.card h3{font-size:1.05rem;margin-bottom:8px;font-weight:800}
.card p{font-size:.9rem;color:var(--text-soft);line-height:1.6}

/* ===== red-flag groups ===== */
.rf-group{margin-bottom:28px}.rf-group:last-child{margin-bottom:0}
.rf-label{display:inline-flex;align-items:center;gap:10px;font-family:'Manrope',sans-serif;font-size:.78rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--ink);margin-bottom:16px}
.rf-label .dot{width:10px;height:10px;border-radius:3px;background:var(--orange)}
.rf-label .dot.money{background:var(--red)}
.rf-label .dot.legal{background:var(--blue-bright)}
.flags{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.flag{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-sm);position:relative;overflow:hidden;transition:all .3s var(--ease)}
.flag::before{content:"";position:absolute;top:0;left:0;bottom:0;width:4px;background:var(--red)}
.flag:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.flag .fh{display:flex;align-items:center;gap:11px;margin-bottom:9px}
.flag .fh .fi{width:34px;height:34px;border-radius:9px;background:var(--red-soft);display:grid;place-items:center;flex-shrink:0}
.flag .fh .fi svg{width:18px;height:18px;color:var(--red)}
.flag h3{font-size:1rem;line-height:1.25;font-weight:800}
.flag p{font-size:.88rem;color:var(--text-soft);line-height:1.55;margin-top:4px}

/* ===== deliverables riskread ===== */
.riskread{margin-top:24px;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:24px 26px;box-shadow:var(--shadow-sm)}
.riskread h3{font-size:1.1rem;margin-bottom:4px;font-weight:800}
.riskread .rr-sub{font-size:.88rem;color:var(--text-soft);margin-bottom:16px}
.riskscale{display:flex;gap:12px}
.riskscale .r{flex:1;opacity:1;transform:none;text-align:center;padding:14px 10px;border-radius:12px;font-size:.86rem;font-weight:700;border:1.5px solid}
.riskscale .r small{display:block;font-weight:500;font-size:.72rem;margin-top:4px;opacity:.85}
.riskscale .go{color:#157a44;border-color:rgba(31,168,85,.45);background:rgba(31,168,85,.08)}
[data-theme="dark"] .riskscale .go{color:#4ad07f}
.riskscale .clarify{color:var(--orange-deep);border-color:rgba(249,115,22,.45);background:var(--orange-soft)}
[data-theme="dark"] .riskscale .clarify{color:var(--orange)}
.riskscale .caution{color:var(--red);border-color:rgba(180,35,24,.45);background:var(--red-soft)}
.riskread .rr-note{font-size:.78rem;color:var(--text-mute);margin-top:14px;line-height:1.55}

/* ===== full-checklist disclosure + bcols ===== */
.discwrap{max-width:1000px}
.disc{border:1.5px solid var(--border);border-radius:var(--radius);background:var(--surface);box-shadow:var(--shadow-sm);margin-bottom:12px;overflow:hidden}
.disc>summary{list-style:none;cursor:pointer;padding:18px 24px;display:flex;justify-content:space-between;align-items:center;gap:14px;font-family:'Manrope',sans-serif;font-size:1.02rem;font-weight:700;color:var(--ink)}
.disc>summary::-webkit-details-marker{display:none}
.disc>summary .chev{width:20px;height:20px;flex-shrink:0;color:var(--orange);transition:transform .25s var(--ease)}
.disc[open]>summary .chev{transform:rotate(180deg)}
.disc>summary:hover{color:var(--orange)}
.disc .disc-body{padding:4px 24px 26px}
.bcols{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.bcol{background:var(--surface-2);border:1px solid var(--border);border-radius:var(--radius);padding:22px 24px}
.bcol .bnum{font-family:'Manrope',sans-serif;font-size:.72rem;font-weight:800;color:var(--orange);letter-spacing:.06em;text-transform:uppercase;margin-bottom:10px}
.bcol h3{font-size:1.08rem;margin-bottom:12px;font-weight:800}
.bcol ul{list-style:none}
.bcol li{display:flex;gap:10px;font-size:.9rem;color:var(--text);padding:7px 0;border-bottom:1px dashed var(--border)}
.bcol li:last-child{border-bottom:none}
.bcol li svg{width:16px;height:16px;color:var(--orange);flex-shrink:0;margin-top:4px}

/* ===== FAQ ===== */
.faq-list{max-width:820px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq-item{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow-sm)}
.faq-q{width:100%;text-align:left;background:none;border:none;cursor:pointer;padding:18px 22px;display:flex;justify-content:space-between;align-items:center;gap:16px;font-family:'Manrope',sans-serif;font-size:1rem;font-weight:700;color:var(--ink)}
.faq-q .pm{flex-shrink:0;width:24px;height:24px;position:relative;transition:.25s}
.faq-q .pm::before,.faq-q .pm::after{content:"";position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);background:var(--orange);border-radius:2px}
.faq-q .pm::before{width:14px;height:2px}
.faq-q .pm::after{width:2px;height:14px;transition:transform .25s var(--ease)}
.faq-item.open .faq-q .pm::after{transform:translate(-50%,-50%) scaleY(0)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s var(--ease)}
.faq-a p{padding:0 22px 20px;color:var(--text-soft);font-size:.94rem;line-height:1.7}
.faq-a p a{color:var(--orange);font-weight:650}

/* ===== FORM ===== */
.form-wrap{display:grid;grid-template-columns:.92fr 1.08fr;background:var(--surface);border:1.5px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg)}
.form-aside{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:38px 34px;position:relative;overflow:hidden}
[data-theme="dark"] .form-aside{background:#151517;border-right:1px solid rgba(255,255,255,.08)}
[data-theme="dark"] .form-aside::before{background:radial-gradient(circle,rgba(249,115,22,.12) 0%,transparent 70%)}
.form-aside::before{content:"";position:absolute;top:-80px;right:-80px;width:300px;height:300px;background:radial-gradient(circle,rgba(249,115,22,.18) 0%,transparent 70%);pointer-events:none}
.form-aside>*{position:relative;z-index:1}
.form-aside .eyebrow{background:rgba(249,115,22,.18);color:var(--orange);margin-bottom:16px}
.form-aside h2{color:#fff;font-size:1.5rem;margin-bottom:12px;line-height:1.2}
.form-aside p{color:rgba(255,255,255,.80);font-size:.94rem;margin-bottom:18px;line-height:1.65}
.aside-assure{list-style:none}
.aside-assure li{display:flex;gap:11px;padding:7px 0;font-size:.9rem;color:#fff}
.aside-assure svg{width:16px;height:16px;color:var(--green);flex-shrink:0;margin-top:3px}
.form-aside .revline{font-size:.78rem;color:rgba(255,255,255,.7);margin-top:18px;padding-top:16px;border-top:1px solid rgba(255,255,255,.14)}
.form-aside .revline b{color:#fff}
.form-body{padding:38px 36px}
.form-body h3{font-family:'Manrope',sans-serif;font-size:1.3rem;margin-bottom:4px;font-weight:800}
.form-body .fhelp{color:var(--text-soft);font-size:.9rem;margin-bottom:20px}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{margin-bottom:14px;display:flex;flex-direction:column;gap:6px}
.field label{font-size:.78rem;font-weight:700;color:var(--ink);letter-spacing:.03em;text-transform:uppercase}
.field label .req{color:var(--red)}
.field input,.field select,.field textarea{width:100%;padding:13px 14px;border:1.5px solid var(--border);border-radius:var(--radius-sm);background:var(--input-bg);font-size:.94rem;color:var(--text);transition:border-color .2s var(--ease),box-shadow .2s var(--ease)}
.field textarea{resize:vertical;min-height:70px;line-height:1.5}
.field select{cursor:pointer;appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23889' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:36px}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px rgba(249,115,22,.14)}
.field .err{display:none;color:var(--red);font-size:.76rem;margin-top:2px;font-weight:500}
.field.invalid input,.field.invalid select{border-color:var(--red)}
.field.invalid .err{display:block}
.hp{position:absolute;left:-9999px;opacity:0}
.form-note{font-size:.78rem;color:var(--text-mute);margin-top:12px;line-height:1.55;padding:12px 14px;background:var(--surface-2);border-radius:var(--radius-sm)}
.form-success{display:none;text-align:center;padding:36px 18px}
.form-success.show{display:block}
.form-success .check{width:54px;height:54px;border-radius:50%;background:rgba(31,168,85,.12);display:grid;place-items:center;margin:0 auto 14px}
.form-success .check svg{width:27px;height:27px;color:var(--green)}
.form-success h3{font-family:'Manrope',sans-serif;font-size:1.3rem;margin-bottom:7px;font-weight:800}
.form-success p{color:var(--text-soft);font-size:.92rem;max-width:360px;margin:0 auto}

/* ===== CLOSING band ===== */
.closing{background:radial-gradient(120% 140% at 80% 0%,var(--navy-2) 0%,var(--navy) 55%,#050F1F 100%);color:#fff;text-align:center;padding:clamp(52px,6vw,72px) 0;position:relative;overflow:hidden}
[data-theme="dark"] .closing{background:#0E0E10}
[data-theme="dark"] .closing::before{background:radial-gradient(circle,rgba(249,115,22,.09) 0%,transparent 70%)}
.closing::before{content:"";position:absolute;top:-120px;right:-100px;width:420px;height:420px;background:radial-gradient(circle,rgba(249,115,22,.14) 0%,transparent 70%);pointer-events:none}
.closing .container{position:relative;z-index:1}
.closing h2{color:#fff;font-size:clamp(1.6rem,3.2vw,2.4rem);margin-bottom:13px;max-width:720px;margin-inline:auto}
.closing p{color:rgba(255,255,255,.82);max-width:540px;margin:0 auto 24px;font-size:1.04rem}
.closing .hero-cta{justify-content:center}

/* ===== FOOTER (navy) ===== */
.footer{background:linear-gradient(180deg,var(--navy) 0%,#050F1F 100%);color:rgba(255,255,255,.78);padding:40px 0 0;border-top:4px solid var(--orange);position:relative;overflow:hidden}
[data-theme="dark"] .footer{background:#0C0C0D}
.footer::before{content:"";position:absolute;top:-100px;left:-80px;width:380px;height:380px;background:radial-gradient(circle,rgba(249,115,22,.08) 0%,transparent 70%);pointer-events:none}
[data-theme="dark"] .footer::before{display:none}
.footer .container{position:relative;z-index:1}
.foot-top{display:grid;grid-template-columns:1.6fr 1fr;gap:36px;margin-bottom:26px}
.foot-brand{max-width:420px}
.foot-brand .footer__brand{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.foot-brand .footer__brand img{width:44px;height:44px;border-radius:11px;background:#F7F5EF;padding:5px;object-fit:contain}
.foot-brand .footer__brand .fbn{font-family:'Manrope',sans-serif;font-weight:800;font-size:1.02rem;color:#fff}
.foot-brand p{font-size:.86rem;color:rgba(255,255,255,.72);line-height:1.6}
.socials{display:flex;gap:10px;margin-top:14px}
.socials a{width:36px;height:36px;border:1px solid rgba(255,255,255,.16);border-radius:10px;display:grid;place-items:center;transition:.2s var(--ease)}
.socials a:hover{border-color:var(--orange);transform:translateY(-2px)}
.socials svg{width:16px;height:16px;color:rgba(255,255,255,.85)}
.foot-contact{display:flex;flex-direction:column;gap:8px}
.foot-contact .footer__title{font-family:'Manrope',sans-serif;font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--orange);margin-bottom:6px}
.foot-contact .reviewed{font-size:.76rem;color:rgba(255,255,255,.7);margin-bottom:8px}
.foot-contact .reviewed b{color:#fff}
.foot-contact a{font-size:.86rem;color:rgba(255,255,255,.80);transition:color .2s var(--ease)}
.foot-contact a:hover{color:var(--orange)}
.disclaimer{border-top:1px solid rgba(255,255,255,.10);padding-top:18px;font-size:.74rem;color:rgba(255,255,255,.62);line-height:1.6;max-width:1000px}
.disclaimer strong{color:#fff;font-weight:600}
.copyright{padding:14px 0 22px;font-size:.74rem;color:rgba(255,255,255,.55)}

/* ===== floating buttons ===== */
.fab{position:fixed;bottom:22px;right:22px;z-index:95;display:flex;flex-direction:column;gap:12px}
.fab a,.fab button{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;cursor:pointer;border:none;box-shadow:0 10px 28px rgba(0,0,0,.2);transition:transform .25s var(--ease)}
.fab a:hover,.fab button:hover{transform:scale(1.08)}
.fab .wa{background:var(--wa);position:relative}
.fab.hide-wa .wa{display:none}
.fab .wa::before{content:"";position:absolute;inset:-4px;border-radius:50%;border:2px solid var(--wa);opacity:.5;animation:pulse 2.5s ease-out infinite}
@keyframes pulse{0%{transform:scale(1);opacity:.55}100%{transform:scale(1.6);opacity:0}}
.fab .wa svg{width:27px;height:27px;color:#fff}
.fab .top{background:var(--navy);opacity:0;pointer-events:none;transition:opacity .3s var(--ease)}
[data-theme="dark"] .fab .top{background:#1A1A1D;border:1px solid rgba(255,255,255,.12)}
.fab .top.show{opacity:1;pointer-events:auto}
.fab .top:hover{background:var(--blue)}
.fab .top svg{width:20px;height:20px;color:#fff}
.mbar{position:fixed;bottom:0;left:0;right:0;z-index:94;display:none;gap:10px;padding:10px 14px;background:var(--nav-bg);backdrop-filter:blur(12px);border-top:1px solid var(--border)}
.mbar .btn{flex:1;padding:13px}

/* ===== responsive ===== */
@media(max-width:1080px){.nav__brand-sub{display:none}.nav__links{gap:13px}.nav__links a{font-size:.8rem}}
@media(max-width:940px){.nav__links,.nav__phone,.nav__cta{display:none}.nav__toggle{display:flex}}
@media (max-width:980px){
  .form-wrap{grid-template-columns:1fr}
  .cards,.flags,.bcols{grid-template-columns:repeat(2,1fr)}
  .trust .container{grid-template-columns:repeat(2,1fr)}
  .foot-top{grid-template-columns:1fr}
}
@media (max-width:620px){
  .hero__grid{grid-template-columns:1fr;gap:26px}
  .hero .snap{max-width:none}
}
@media (max-width:680px){
  .container{padding:0 20px}
  .section{padding:34px 0}
  .cards,.flags,.bcols,.frow{grid-template-columns:1fr}
  .trust .container{grid-template-columns:1fr;padding:20px}
  .riskscale{flex-direction:column}
  .form-aside,.form-body{padding:28px 22px}
  .sticky-cta{display:none}
  .fab{bottom:82px}
  .fab .wa{display:none}
  .mbar{display:flex}
  body{padding-bottom:70px}
}

/* ===== article / insights blog + hub (added for /insights/ and posts) ===== */
.art-hero{padding:clamp(34px,4vw,52px) 0 clamp(20px,2.4vw,28px);background:var(--hero-grad);border-bottom:1px solid var(--border)}
.art-meta{display:flex;flex-wrap:wrap;gap:8px 16px;align-items:center;font-size:.8rem;color:var(--text-mute);margin-top:12px}
.art-meta b{color:var(--text-soft);font-weight:600}
.art-hero h1{font-size:clamp(1.6rem,3vw,2.3rem);max-width:820px;margin:6px 0 4px}
.art-hero .sub{font-size:1.02rem;color:var(--text-soft);max-width:760px;margin-top:10px;line-height:1.7}
.breadcrumb{font-size:.8rem;color:var(--text-mute)}
.breadcrumb a{color:var(--text-soft)}
.breadcrumb a:hover{color:var(--orange)}
.prose{max-width:760px;margin:0 auto;font-size:1rem;line-height:1.8;color:var(--text)}
.prose h2{font-size:clamp(1.25rem,2.2vw,1.6rem);margin:34px 0 12px}
.prose h3{font-size:1.1rem;margin:24px 0 8px;font-weight:800}
.prose p{margin:0 0 16px}
.prose ul,.prose ol{margin:0 0 18px;padding-left:22px}
.prose li{margin:6px 0}
.prose a{color:var(--orange);font-weight:650}
.prose strong{color:var(--ink)}
.prose .callout{background:var(--surface-2);border:1px solid var(--border);border-left:4px solid var(--orange);border-radius:var(--radius);padding:16px 18px;margin:22px 0;font-size:.94rem}
.prose .cta-box{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;border-radius:var(--radius-lg);padding:26px 28px;margin:30px 0;text-align:center}
.prose .cta-box h3{color:#fff;margin:0 0 8px}
.prose .cta-box p{color:rgba(255,255,255,.82);margin:0 0 16px}
[data-theme="dark"] .prose .cta-box{background:#151517;border:1px solid rgba(255,255,255,.08)}
.hubgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.hubcard{display:block;background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow-sm);transition:all .3s var(--ease);position:relative;overflow:hidden}
.hubcard::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--blue-bright)}
.hubcard:nth-child(2n)::before{background:var(--orange)}
.hubcard:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:var(--border-strong)}
.hubcard .tag{font-size:.7rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--orange)}
.hubcard h3{font-size:1.12rem;margin:8px 0 8px;font-weight:800}
.hubcard p{font-size:.9rem;color:var(--text-soft);line-height:1.6}
.hubcard .rd{display:inline-block;margin-top:12px;font-size:.85rem;font-weight:700;color:var(--orange)}
@media (max-width:680px){.hubgrid{grid-template-columns:1fr}}