/* Beyond the Branch. Palette sampled from logo-a.png (navy #011b53, arrow green #33ea8a). */
:root{
  --navy:#011b53;--navy2:#072b78;--deep:#000f33;--blue:#2457e6;--sky:#aac2ff;
  --green:#33ea8a;--green-d:#0a7d40;--paper:#f3f5fa;--ink:#0a1433;--muted:#4f5b78;
  --line:#dbe2ef;--card:#fff;--retail:#7d8494;--retail-bg:#e8ebf2;--warn:#b5361f;
  --r:18px;--disp:"Archivo","Arial Narrow","Helvetica Neue",Impact,sans-serif;
  --body:"Archivo",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:76px}
body{margin:0;font:400 17px/1.6 var(--body);color:var(--ink);background:var(--paper);overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-underline-offset:3px}
p{margin:0 0 1em}
.wrap{max-width:1140px;margin:0 auto;padding:0 16px}
.narrow{max-width:760px}
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:8px;background:var(--green);color:var(--navy);padding:8px 14px;z-index:99;border-radius:8px;font-weight:700}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--green);outline-offset:2px}

/* Display type: condensed heavy caps, like the covers */
.d,h1,h2{font-family:var(--disp);font-stretch:66%;font-weight:900;text-transform:uppercase;letter-spacing:.004em;line-height:.94;margin:0}
h1{font-size:clamp(46px,10.5vw,104px)}
h2{font-size:clamp(36px,7vw,68px);margin-bottom:18px}
h3{font-size:20px;line-height:1.25;margin:0 0 8px}
.g{color:var(--green)}
.gd{color:var(--green-d)}
.eyebrow{display:inline-block;font:800 12.5px/1.2 var(--body);letter-spacing:.16em;text-transform:uppercase;color:var(--green-d);margin-bottom:14px}
.navy .eyebrow,.hero .eyebrow{color:var(--green)}
.lead{font-size:clamp(18px,2.2vw,21px);color:var(--muted);max-width:680px}
.navy .lead,.hero .lead{color:#c9d6f5}

/* Header */
.top{position:sticky;top:0;z-index:40;background:rgba(1,27,83,.97);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid rgba(255,255,255,.08)}
.top .wrap{display:flex;align-items:center;gap:14px;height:62px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;flex:0 0 auto}
.brand img{height:40px;width:auto;display:block}
.brand span{font-family:var(--disp);font-stretch:66%;font-weight:900;font-size:22px;letter-spacing:.02em;text-transform:uppercase;line-height:1}
.nav{display:flex;gap:4px;margin-left:auto;align-items:center}
.nav a{color:#d7e1fb;text-decoration:none;font-weight:600;font-size:15px;padding:8px 10px;border-radius:9px}
.nav a:hover,.nav a[aria-current=page]{color:#fff;background:rgba(255,255,255,.08)}
.nav a.cta{background:var(--green);color:var(--navy);font-weight:800;margin-left:6px}
.nav a.cta:hover{background:#5cf3a3}
.menu-btn{display:none;margin-left:auto;background:transparent;border:1px solid rgba(255,255,255,.25);color:#fff;border-radius:10px;width:44px;height:40px;cursor:pointer}
.menu-btn svg{display:block;margin:auto}
@media(max-width:1060px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:62px;left:0;right:0;flex-direction:column;align-items:stretch;background:var(--navy);padding:8px 16px 18px;border-bottom:1px solid rgba(255,255,255,.1);gap:2px}
  .nav.open{display:flex}
  .nav a{padding:13px 10px;font-size:17px}
  .nav a.cta{margin:8px 0 0;text-align:center}
}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--green);color:var(--navy);text-decoration:none;font:800 17px/1.1 var(--body);padding:16px 24px;border-radius:12px;border:0;cursor:pointer;transition:transform .15s,background .15s}
.btn:hover{background:#5cf3a3;transform:translateY(-1px)}
.btn.ghost{background:transparent;color:#fff;box-shadow:inset 0 0 0 2px rgba(255,255,255,.4)}
.btn.ghost:hover{box-shadow:inset 0 0 0 2px #fff}
.btn.dark{background:var(--navy);color:#fff}
.btn.dark:hover{background:var(--navy2)}
.btn[disabled]{opacity:.6;cursor:wait;transform:none}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.arrow-i{width:18px;height:18px}

/* Hero */
.hero{position:relative;background:radial-gradient(800px 480px at 88% -10%,rgba(36,87,230,.55),transparent 60%),radial-gradient(600px 400px at -10% 110%,rgba(51,234,138,.12),transparent 60%),var(--navy);color:#fff;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center;padding-top:64px;padding-bottom:72px}
.hero h1 .line{display:block}
.hero .sub{font-size:clamp(18px,2.3vw,21px);color:#c9d6f5;max-width:600px;margin:22px 0 0}
.hero .by{margin-top:22px;font-size:14px;color:#9fb2df;letter-spacing:.02em}
.hero.slim .wrap{grid-template-columns:1fr;padding-top:56px;padding-bottom:56px}
.hero.slim h1{font-size:clamp(42px,8.5vw,88px);max-width:980px}
.photo{position:relative;justify-self:end;width:100%;max-width:440px}
.photo .frame{position:relative;border-radius:22px;overflow:hidden;box-shadow:0 30px 60px rgba(0,0,0,.35);border:2px solid rgba(255,255,255,.12)}
.photo .frame img{width:100%;aspect-ratio:720/624;object-fit:cover}
.photo .burst{position:absolute;right:-26px;top:-34px;width:150px;height:150px;pointer-events:none}
.photo .chip{position:absolute;left:-14px;bottom:22px;background:#fff;color:var(--navy);border-radius:14px;padding:10px 14px;box-shadow:0 12px 30px rgba(0,0,0,.3);font-size:13px;line-height:1.2;font-weight:600}
.photo .chip b{display:block;font-family:var(--disp);font-stretch:66%;font-weight:900;font-size:30px;line-height:1;color:var(--green-d)}
@media(max-width:860px){
  .hero .wrap{grid-template-columns:1fr;padding-top:40px;padding-bottom:52px;gap:34px}
  .photo{justify-self:start;max-width:520px}
  .photo .burst{right:-6px;width:110px;height:110px;top:-26px}
  .photo .chip{left:10px}
}

/* Ticker */
.ticker{background:var(--green);color:var(--navy);overflow:hidden;white-space:nowrap;border-top:3px solid var(--navy);border-bottom:3px solid var(--navy)}
.ticker .run{display:inline-flex;gap:0;animation:tick 60s linear infinite;padding:12px 0}
.ticker span{font-family:var(--disp);font-stretch:66%;font-weight:900;text-transform:uppercase;font-size:22px;padding:0 22px;line-height:1.1}
.ticker span::after{content:"";display:inline-block;width:10px;height:10px;background:var(--navy);transform:rotate(45deg);margin-left:44px;vertical-align:middle}
@keyframes tick{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.ticker .run{animation:none;flex-wrap:wrap;white-space:normal}html{scroll-behavior:auto}}

/* Sections */
.sec{padding:84px 0}
.sec.tight{padding:60px 0}
.navy{background:var(--navy);color:#fff}
.deep{background:var(--deep);color:#fff}
.white{background:#fff}
.sec-head{max-width:820px;margin-bottom:38px}
@media(max-width:600px){.sec{padding:60px 0}.sec.tight{padding:46px 0}}

/* Two-panel compare: Retail Loan Officer (left/top) vs Wholesale Lender (right/bottom) */
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:start}
.vs{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:var(--r);overflow:hidden;box-shadow:0 20px 50px rgba(1,27,83,.12)}
.vs .side{padding:22px 22px 10px}
.vs .side.retail{background:var(--retail-bg);color:#2e3445}
.vs .side.whole{background:var(--navy);color:#fff;position:relative}
.vs .side.whole::before{content:"";position:absolute;inset:0;border:3px solid var(--green);pointer-events:none;border-radius:0 var(--r) var(--r) 0}
.tag{display:inline-block;font:800 12px/1 var(--body);letter-spacing:.14em;text-transform:uppercase;padding:7px 10px;border-radius:7px;margin-bottom:14px}
.retail .tag{background:#c1453a;color:#fff}
.whole .tag{background:var(--green);color:var(--navy)}
.vs dl{margin:0}
.vs dt{font:700 12px/1.2 var(--body);letter-spacing:.1em;text-transform:uppercase;opacity:.65;margin-top:14px}
.vs dd{margin:4px 0 12px;font-size:16.5px;line-height:1.4;font-weight:600}
.vs .side.retail dd{color:#4a5165;font-weight:500}
.fine{font-size:13px;color:var(--muted);line-height:1.5}
.navy .fine,.deep .fine,.hero .fine{color:#9fb2df}
@media(max-width:860px){.split{grid-template-columns:1fr}}
@media(max-width:600px){
  .vs{grid-template-columns:1fr}
  .vs .side.whole::before{border-radius:0 0 var(--r) var(--r)}
}

/* Meme figure */
.meme{border-radius:var(--r);overflow:hidden;box-shadow:0 20px 50px rgba(1,27,83,.18);background:#dfe5f1}
.meme img{width:100%;aspect-ratio:1/1;object-fit:cover}
.meme.tall img{aspect-ratio:2/3}

/* Analogy cards */
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.acard{background:#fff;border-radius:var(--r);overflow:hidden;border:1px solid var(--line);display:flex;flex-direction:column}
.acard img{width:100%;aspect-ratio:1/1;object-fit:cover}
.acard .b{padding:20px 22px 24px;display:flex;flex-direction:column;gap:6px;flex:1}
.acard .num{font-family:var(--disp);font-stretch:66%;font-weight:900;font-size:15px;color:var(--green-d);letter-spacing:.12em}
.acard h3{font-family:var(--disp);font-stretch:66%;font-weight:900;text-transform:uppercase;font-size:30px;line-height:.98;margin:0 0 4px}
.acard p{margin:0;color:var(--muted);font-size:16px}
.acard .punch{margin-top:auto;padding-top:14px;font-weight:800;color:var(--navy);font-size:17px;border-top:2px solid var(--green);}
@media(max-width:900px){.cards3{grid-template-columns:1fr;max-width:560px}}

/* BPS teaser */
.bps{display:grid;grid-template-columns:.8fr 1.2fr;gap:44px;align-items:center}
.bps-card{background:#fff;color:var(--ink);border-radius:var(--r);padding:26px;box-shadow:0 30px 60px rgba(0,0,0,.25)}
.bps-card label{display:block;font-weight:700;font-size:14px;color:var(--muted)}
.bps-card output{display:block;font-family:var(--disp);font-stretch:66%;font-weight:900;font-size:clamp(40px,7vw,58px);line-height:1;color:var(--navy);margin:6px 0 10px}
input[type=range]{width:100%;accent-color:var(--green-d);height:32px}
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin:16px 0 14px}
.tile{background:var(--paper);border-radius:12px;padding:12px 10px;text-align:center;border:1px solid var(--line)}
.tile small{display:block;font-weight:800;font-size:12px;letter-spacing:.1em;color:var(--muted)}
.tile b{display:block;font-size:clamp(17px,2.2vw,21px);font-variant-numeric:tabular-nums;color:var(--green-d);margin-top:4px}
@media(max-width:860px){.bps{grid-template-columns:1fr}.tiles{grid-template-columns:1fr 1fr}}

/* Retail says / I say */
.says{display:grid;gap:14px;max-width:900px}
.say{display:grid;grid-template-columns:1fr 1fr;gap:12px;align-items:stretch}
.say .q,.say .a{border-radius:16px;padding:16px 18px;font-size:17px;line-height:1.4;position:relative}
.say .q{background:var(--retail-bg);color:#3b4254}
.say .a{background:var(--navy);color:#fff;font-weight:700}
.say small{display:block;font:800 11px/1 var(--body);letter-spacing:.14em;text-transform:uppercase;margin-bottom:7px;opacity:.7}
.say .a small{color:var(--green);opacity:1}
@media(max-width:640px){.say{grid-template-columns:1fr;gap:6px}.say .a{margin-left:22px}.say .q{margin-right:22px}}

/* Outcomes */
.outs{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.out{border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:20px;background:rgba(255,255,255,.03)}
.out svg{width:30px;height:30px;color:var(--green);margin-bottom:10px}
.out b{display:block;font-size:19px;line-height:1.25;margin-bottom:4px}
.out span{color:#b8c7ea;font-size:15px}
@media(max-width:860px){.outs{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.outs{grid-template-columns:1fr}}

/* Meme strip */
.strip{display:grid;grid-auto-flow:column;grid-auto-columns:clamp(220px,28vw,300px);gap:16px;overflow-x:auto;scroll-snap-type:x mandatory;padding:4px 16px 18px;margin:0 -16px;scrollbar-width:thin;-webkit-overflow-scrolling:touch}
.strip a{scroll-snap-align:start;display:block;border-radius:16px;overflow:hidden;background:#dfe5f1;box-shadow:0 10px 26px rgba(1,27,83,.14);transition:transform .15s}
.strip a:hover{transform:translateY(-3px)}
.strip img{width:100%;aspect-ratio:1/1;object-fit:cover}
.strip-wrap{position:relative;overflow:hidden}
.strip-nav{display:flex;gap:8px;justify-content:flex-end;margin-top:-6px;margin-bottom:12px}
.strip-nav button{width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:#fff;color:var(--navy);cursor:pointer;font-size:20px;line-height:1}
.strip-nav button:hover{border-color:var(--navy)}

/* FAQ */
.faq{max-width:860px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:10px;overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:18px 54px 18px 20px;font-weight:800;font-size:18px;line-height:1.35;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:20px;top:50%;width:14px;height:14px;margin-top:-7px;background:linear-gradient(var(--green-d),var(--green-d)) center/14px 3px no-repeat,linear-gradient(var(--green-d),var(--green-d)) center/3px 14px no-repeat;transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .ans{padding:0 20px 18px;color:#2c3550}
.faq .ans p:last-child{margin-bottom:0}
.faq-group{margin:36px 0 12px;font-family:var(--disp);font-stretch:66%;font-weight:900;text-transform:uppercase;font-size:26px;color:var(--navy)}

/* Posts */
.posts{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.pcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;text-decoration:none;color:inherit;display:flex;flex-direction:column;transition:transform .15s,box-shadow .15s}
.pcard:hover{transform:translateY(-3px);box-shadow:0 16px 36px rgba(1,27,83,.14)}
.pcard img{width:100%;aspect-ratio:1200/630;object-fit:cover}
.pcard .b{padding:18px 20px 22px}
.pcard time{font-size:13px;color:var(--muted);font-weight:700;letter-spacing:.06em;text-transform:uppercase}
.pcard h3{font-size:21px;margin:6px 0 8px;color:var(--navy)}
.pcard p{margin:0;color:var(--muted);font-size:15.5px}
@media(max-width:900px){.posts{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.posts{grid-template-columns:1fr}}

/* Article / essay */
.article{background:#fff}
.prose{max-width:720px;margin:0 auto;font-size:19px;line-height:1.7}
.prose h2{font-size:clamp(30px,5vw,44px);margin:44px 0 14px;color:var(--navy)}
.prose h3{font-size:22px;margin:30px 0 8px;color:var(--navy)}
.prose blockquote{margin:28px 0;padding:6px 0 6px 22px;border-left:5px solid var(--green);font-size:22px;font-weight:700;color:var(--navy);line-height:1.4}
.prose blockquote p{margin:0 0 .5em}
.prose ul,.prose ol{padding-left:1.2em}
.prose li{margin:0 0 .5em}
.prose .big{font-family:var(--disp);font-stretch:66%;font-weight:900;text-transform:uppercase;font-size:clamp(34px,6vw,52px);line-height:1;color:var(--navy);margin:34px 0}
.prose img{border-radius:14px;margin:26px 0}
.meta-line{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-top:22px;color:#b8c7ea;font-size:15px}
.meta-line img{width:44px;height:44px;border-radius:50%;object-fit:cover;border:2px solid var(--green)}
.author{display:flex;gap:18px;align-items:center;max-width:720px;margin:48px auto 0;padding:22px;border-radius:var(--r);background:var(--paper);border:1px solid var(--line)}
.author img{width:76px;height:76px;border-radius:50%;object-fit:cover;flex:0 0 auto;border:3px solid var(--green)}
.author p{margin:0;font-size:15.5px;color:var(--muted)}
.author b{display:block;color:var(--ink);font-size:17px}

/* Forms */
.form-card{background:#fff;color:var(--ink);border-radius:22px;padding:26px;box-shadow:0 30px 70px rgba(0,0,0,.28)}
.field{display:block;margin-bottom:14px}
.field>span{display:block;font-weight:700;font-size:14px;margin-bottom:6px;color:#2c3550}
.field>span i{font-style:normal;font-weight:500;color:var(--muted)}
input[type=text],input[type=email],input[type=tel],input[type=number],select,textarea{display:block;width:100%;font:16px/1.3 var(--body);padding:13px 14px;border:1.5px solid #c5cfe3;border-radius:11px;background:#fff;color:var(--ink);transition:border-color .15s}
textarea{min-height:110px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--navy);outline:3px solid rgba(51,234,138,.55);outline-offset:0}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:520px){.row2{grid-template-columns:1fr}}
.check{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--muted);margin:4px 0 16px;line-height:1.45}
.check input{width:20px;height:20px;margin:1px 0 0;flex:0 0 auto;accent-color:var(--green-d)}
.hp{position:absolute!important;left:-6000px!important;width:1px;height:1px;overflow:hidden}
.form-card .btn{width:100%}
.form-msg{margin-top:12px;font-size:15px}
.form-msg.err{color:var(--warn);font-weight:700}
.thanks{text-align:center;padding:26px 6px}
.thanks svg{width:60px;height:60px;margin:0 auto 10px;color:var(--green-d)}
.thanks h3{font-family:var(--disp);font-stretch:66%;font-weight:900;text-transform:uppercase;font-size:38px;line-height:1;color:var(--navy);margin-bottom:10px}
.thanks p{color:var(--muted);margin:0}
.cta-band .wrap{display:grid;grid-template-columns:1fr 1fr;gap:46px;align-items:center}
.cta-band .kt{display:flex;gap:14px;align-items:center;margin-top:26px}
.cta-band .kt img{width:62px;height:62px;border-radius:50%;object-fit:cover;border:3px solid var(--green)}
.cta-band .kt b{display:block}.cta-band .kt small{color:#9fb2df}
@media(max-width:860px){.cta-band .wrap{grid-template-columns:1fr}}
.compare-card{background:#fff;color:var(--ink);border-radius:22px;padding:28px;box-shadow:0 30px 70px rgba(0,0,0,.28);border-top:6px solid var(--green)}
.compare-card .eyebrow{color:var(--green-d)}
.compare-card h3{font-family:var(--disp);font-stretch:66%;font-weight:900;text-transform:uppercase;font-size:clamp(28px,4vw,36px);line-height:1;color:var(--navy);margin:0 0 16px}
.compare-card .ticks{list-style:none;margin:0 0 22px;padding:0;display:grid;gap:10px}
.compare-card .ticks li{display:flex;gap:10px;align-items:flex-start;font-weight:600;color:#2c3550}
.compare-card .ticks svg{flex:0 0 22px;width:22px;height:22px;color:var(--green-d);margin-top:1px}
.compare-card .fine{margin:12px 0 0}
.res-cta{margin-top:10px;padding-top:16px;border-top:1px solid rgba(255,255,255,.14)}
.res-cta-h{margin:0 0 10px;font-weight:800;color:var(--green);font-size:15px;letter-spacing:.06em;text-transform:uppercase}

/* Calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.calc fieldset{border:0;margin:0 0 18px;padding:22px;background:#fff;border-radius:var(--r);border:1px solid var(--line)}
.calc fieldset.whole{border:2px solid var(--navy)}
.calc legend{float:left;width:100%;padding:0;margin-bottom:14px}
.calc legend .tag{margin-bottom:6px}
.calc legend small{display:block;font-size:13.5px;color:var(--muted);font-weight:500}
.calc .retail .tag{background:#c1453a;color:#fff}
.calc .whole .tag{background:var(--navy);color:var(--green)}
.hint{display:block;font-weight:500;font-size:12.5px;color:var(--muted);margin-top:5px}
.res{position:sticky;top:80px;background:var(--navy);color:#fff;border-radius:22px;padding:24px;box-shadow:0 30px 60px rgba(1,27,83,.3)}
.res h2{font-size:34px;margin-bottom:6px}
.bars{margin:16px 0 8px;display:grid;gap:10px}
.bar small{display:flex;justify-content:space-between;font-weight:700;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:#b8c7ea;margin-bottom:5px}
.bar small b{color:#fff;font-variant-numeric:tabular-nums;letter-spacing:0}
.bar .t{height:16px;border-radius:8px;background:rgba(255,255,255,.1);overflow:hidden}
.bar .f{height:100%;border-radius:8px;background:var(--retail);width:0;transition:width .35s ease}
.bar.w .f{background:var(--green)}
.stub{background:#fff;color:var(--ink);border-radius:14px;padding:6px 16px;margin:14px 0}
.ln{display:flex;align-items:baseline;gap:8px;padding:9px 0;border-bottom:1px dashed #c9d2e4;font-size:15px}
.ln:last-child{border-bottom:0}
.ln .dots{flex:1}
.ln b{font-variant-numeric:tabular-nums;white-space:nowrap}
.big-diff{background:var(--green);color:var(--navy);border-radius:16px;padding:16px 18px;margin:14px 0}
.big-diff small{display:block;font-weight:800;letter-spacing:.12em;text-transform:uppercase;font-size:12px}
.big-diff b{display:block;font-family:var(--disp);font-stretch:66%;font-weight:900;font-size:clamp(40px,6vw,58px);line-height:1;margin:4px 0}
.big-diff span{font-weight:700;font-size:15px}
.big-diff.neg{background:#ffd9d1}
.ego{font-size:19px;font-weight:800;line-height:1.35;margin:12px 0}
.ego .g{color:var(--green)}
.mode{display:flex;gap:4px;background:var(--paper);border-radius:12px;padding:4px;margin:0 0 16px}
.mode button{flex:1;border:0;background:transparent;padding:11px 6px;border-radius:9px;font:800 14px var(--body);color:var(--muted);cursor:pointer}
.mode button[aria-pressed=true]{background:var(--navy);color:#fff}
@media(max-width:900px){.calc{grid-template-columns:1fr}.res{position:static}}

/* Ledger (branch managers) */
.ledger{display:grid;grid-template-columns:1fr 1fr;gap:0;border-radius:var(--r);overflow:hidden;box-shadow:0 20px 50px rgba(1,27,83,.12)}
.ledger>div{padding:26px}
.ledger .carry{background:#fff}
.ledger .own{background:var(--navy);color:#fff}
.ledger h3{font-family:var(--disp);font-stretch:66%;font-weight:900;text-transform:uppercase;font-size:30px;line-height:1}
.ledger ul{list-style:none;padding:0;margin:16px 0 0}
.ledger li{display:flex;gap:10px;align-items:flex-start;padding:10px 0;border-bottom:1px solid var(--line);font-weight:600}
.ledger .own li{border-color:rgba(255,255,255,.12)}
.ledger li svg{width:20px;height:20px;flex:0 0 auto;margin-top:2px}
.ledger .carry svg{color:var(--navy)}
.ledger .own .no{color:#ff8b77}.ledger .own .yes{color:var(--green)}
.ledger .own li.x span{text-decoration:line-through;text-decoration-color:#ff8b77;opacity:.75}
@media(max-width:700px){.ledger{grid-template-columns:1fr}}

.gut{display:grid;gap:10px;max-width:820px}
.gut label{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1.5px solid var(--line);border-radius:14px;padding:15px 16px;cursor:pointer;font-weight:600;font-size:16.5px;line-height:1.4;transition:border-color .15s,background .15s}
.gut input{width:22px;height:22px;flex:0 0 auto;accent-color:var(--green-d);margin:0}
.gut label:has(input:checked){border-color:var(--navy);background:#eef2fd}
.verdict{margin-top:20px;max-width:820px;background:var(--navy);color:#fff;border-radius:16px;padding:20px 22px;display:flex;gap:18px;align-items:center}
.verdict b{font-family:var(--disp);font-stretch:66%;font-weight:900;font-size:56px;line-height:1;color:var(--green);flex:0 0 auto;font-variant-numeric:tabular-nums}
.verdict p{margin:0;font-size:17px}

/* Quote + about */
.pull{font-family:var(--disp);font-stretch:66%;font-weight:900;text-transform:uppercase;font-size:clamp(34px,6vw,60px);line-height:.98;max-width:900px}
.pull cite{display:block;font:600 15px/1.4 var(--body);text-transform:none;font-style:normal;color:#9fb2df;margin-top:14px;letter-spacing:0}
.record{display:grid;grid-template-columns:auto 1fr;gap:40px;align-items:center}
.record .clock{font-family:var(--disp);font-stretch:66%;font-weight:900;font-size:clamp(110px,22vw,230px);line-height:.8;color:var(--green);font-variant-numeric:tabular-nums;letter-spacing:-.01em}
.record .clock small{display:block;font:800 14px/1.2 var(--body);letter-spacing:.16em;text-transform:uppercase;color:#9fb2df;margin-top:12px}
@media(max-width:760px){.record{grid-template-columns:1fr;gap:20px}}
.timeline{list-style:none;padding:0;margin:0;max-width:780px;position:relative}
.timeline::before{content:"";position:absolute;left:11px;top:6px;bottom:6px;width:3px;background:linear-gradient(var(--retail),var(--green))}
.timeline li{position:relative;padding:0 0 26px 46px}
.timeline li::before{content:"";position:absolute;left:3px;top:5px;width:19px;height:19px;border-radius:50%;background:#fff;border:4px solid var(--retail)}
.timeline li:last-child::before{border-color:var(--green-d);background:var(--green)}
.timeline b{display:block;font-size:19px;color:var(--navy)}
.timeline span{color:var(--muted)}
.beliefs{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.belief{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px}
.belief h3{font-family:var(--disp);font-stretch:66%;font-weight:900;text-transform:uppercase;font-size:28px;line-height:1;color:var(--navy)}
.belief p{margin:0;color:var(--muted)}
@media(max-width:800px){.beliefs{grid-template-columns:1fr}}
.steps{counter-reset:s;list-style:none;padding:0;margin:20px 0 0;display:grid;gap:14px}
.steps li{counter-increment:s;display:flex;gap:14px;align-items:flex-start}
.steps li::before{content:counter(s);flex:0 0 auto;width:34px;height:34px;border-radius:50%;background:var(--green);color:var(--navy);font-weight:900;display:grid;place-items:center}
.steps b{display:block}
.navy .steps span{color:#b8c7ea}

/* Worth napkin */
.napkin{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start;background:#fff;border-radius:var(--r);border:1px solid var(--line);padding:24px;margin:30px 0;font-size:16px;line-height:1.5}
.napkin .out{background:var(--navy);color:#fff;border-radius:14px;padding:18px}
.napkin .out .ln{border-color:rgba(255,255,255,.18);color:#d7e1fb}
.napkin .out .ln b{color:#fff}
.napkin .out .ln.tot b{color:var(--green);font-size:22px}
@media(max-width:760px){.napkin{grid-template-columns:1fr}}

/* Footer */
.foot{background:var(--deep);color:#a9b8dc;padding:52px 0 40px;font-size:14px}
.foot .grid{display:grid;grid-template-columns:1.2fr 1fr;gap:30px;align-items:start}
.foot .logo{display:flex;gap:12px;align-items:center;color:#fff;text-decoration:none;margin-bottom:14px}
.foot .logo img{height:56px;width:auto;display:block}
.foot .logo b{font-family:var(--disp);font-stretch:66%;font-weight:900;font-size:26px;text-transform:uppercase;line-height:1}
.foot .tagline{color:var(--green);font-weight:700;margin:0 0 6px}
.foot nav{display:grid;grid-template-columns:1fr 1fr;gap:6px 20px}
.foot nav a{color:#d7e1fb;text-decoration:none}
.foot nav a:hover{color:#fff;text-decoration:underline}
.foot .legal{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:20px}
.foot .legal p{margin:0 0 6px}
.foot .legal a{color:#d7e1fb}
@media(max-width:700px){.foot .grid{grid-template-columns:1fr}}

.center{text-align:center}
.mt0{margin-top:0}.mb0{margin-bottom:0}
.note-box{border-left:4px solid var(--green-d);background:#fff;padding:14px 18px;border-radius:0 12px 12px 0;color:#2c3550;font-size:15.5px;max-width:820px}
.talk-grid{display:grid;grid-template-columns:1fr 1fr;gap:46px;align-items:start}
.talk-grid .form-card{box-shadow:0 24px 60px rgba(1,27,83,.16);border:1px solid var(--line)}
.kt-line{display:flex;gap:14px;align-items:center;margin-top:26px}
.kt-line img{width:62px;height:62px;border-radius:50%;object-fit:cover;border:3px solid var(--green)}
.kt-line b{display:block}.kt-line small{color:var(--muted)}
@media(max-width:860px){.talk-grid{grid-template-columns:1fr}}
.calc fieldset,.calc>div,.split>div,.bps>div,.cta-band .wrap>*,.talk-grid>*{min-width:0}
.calc fieldset>*:not(legend){clear:both}
.deep .lead{color:#c9d6f5}.deep .eyebrow{color:var(--green)}
.field>span.hint{font-weight:500;font-size:12.5px;color:var(--muted);margin:5px 0 0}.res .eyebrow{color:var(--green)}.res .fine{color:#9fb2df}

/* Codex art heroes (content/art) */
.hero.has-art{background:var(--deep)}
.hero.has-art .hero-art{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:62% 20%;z-index:0}
.hero.has-art::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,rgba(0,15,51,.92) 0%,rgba(0,15,51,.72) 40%,rgba(1,27,83,.22) 100%),linear-gradient(0deg,rgba(0,15,51,.6) 0%,rgba(0,15,51,0) 50%)}
.hero.has-art>.wrap{position:relative;z-index:2}
.hero.has-art h1{text-shadow:0 3px 24px rgba(0,8,30,.45)}
@media (max-width:860px){.hero.has-art::before{background:linear-gradient(0deg,rgba(0,15,51,.94) 0%,rgba(0,15,51,.8) 55%,rgba(0,15,51,.55) 100%)}}