/* =========================================================
   B9 Cash Advance (Advance Audit) — v2 "fintech noir"
   Modern dark hero, aurora glow, glassmorphism, grain,
   gradient type, scroll-reveal. Light editorial content.
   ========================================================= */

:root{
  --ink:#0B1B2E; --ink-2:#060D16; --ink-soft:#33465C;
  --paper:#F4F6F3; --surface:#FFFFFF;
  --green:#0B6E52; --green-dk:#08543F; --green-tint:#E3F1EA;
  --green-br:#10B981; --mint:#3ED6A6;
  --amber:#A85D0C; --amber-tint:#F6ECDD;
  --line:#E0E4DC; --line-2:#C9CFC6; --muted:#5C6670;
  --focus:#1F6FEB; --danger:#9B2C2C;
  --wrap:1140px; --radius:14px; --radius-sm:8px;
  --f-display:"Bricolage Grotesque","Public Sans",system-ui,sans-serif;
  --f-body:"Public Sans",system-ui,-apple-system,sans-serif;
  --f-mono:"JetBrains Mono",ui-monospace,monospace;
  --shadow:0 20px 50px -30px rgba(6,13,22,.55);
  --shadow-lg:0 40px 80px -40px rgba(6,13,22,.6);
  --grad:linear-gradient(120deg,var(--mint),var(--green-br) 55%,#0FA8C0);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important}
  html.js .reveal{opacity:1!important;transform:none!important}
}
body{margin:0;font-family:var(--f-body);color:var(--ink);background:var(--paper);line-height:1.62;font-size:17px;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:var(--green-dk);text-underline-offset:2px}
a:hover{color:var(--green)}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px;border-radius:3px}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:clamp(1rem,4vw,2rem)}

/* ---------- type ---------- */
h1,h2,h3,h4{font-family:var(--f-display);line-height:1.1;color:var(--ink);font-weight:700;letter-spacing:-.015em}
h1{font-size:clamp(2.1rem,5.4vw,3.6rem);margin:0 0 .5em}
h2{font-size:clamp(1.55rem,3vw,2.3rem);margin:2.2em 0 .6em}
h3{font-size:clamp(1.15rem,2vw,1.42rem);margin:1.8em 0 .5em}
p{margin:0 0 1.05em}
.lead{font-size:clamp(1.1rem,2vw,1.32rem);color:var(--ink-soft);line-height:1.5}
strong{font-weight:700}
.money{font-family:var(--f-mono);font-weight:600;font-variant-numeric:tabular-nums;background:linear-gradient(transparent 76%,var(--green-tint) 0);padding:0 .12em}
.gradient-text{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}

.eyebrow{font-family:var(--f-mono);font-size:.74rem;letter-spacing:.18em;text-transform:uppercase;color:var(--green-dk);font-weight:600;margin:0 0 1rem;display:inline-flex;align-items:center;gap:.55rem}
.eyebrow::before{content:"";width:26px;height:2px;background:var(--green-br);display:inline-block}
.hero .eyebrow{color:var(--mint)}
.hero .eyebrow::before{background:var(--mint)}

/* ---------- header ---------- */
.site-header{position:relative;z-index:60;transition:background .3s ease,box-shadow .3s ease,border-color .3s ease;border-bottom:1px solid transparent}
.site-header .nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:70px}
/* solid (default / scrolled / non-home) */
.site-header,.site-header.scrolled{background:color-mix(in srgb,var(--paper) 85%,transparent);backdrop-filter:saturate(1.4) blur(10px);border-bottom-color:var(--line)}
/* transparent over hero on home */
body.home .site-header:not(.scrolled){background:transparent;backdrop-filter:none;border-bottom-color:transparent}
body.home .site-header:not(.scrolled) .brand,
body.home .site-header:not(.scrolled) .nav-links>li>a{color:#EAF3EE}
body.home .site-header:not(.scrolled) .brand .tag{color:rgba(234,243,238,.6)}
body.home .site-header:not(.scrolled) .nav-links a[aria-current="page"]{box-shadow:inset 0 -2px 0 var(--mint)}

.brand{display:inline-flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--ink);font-family:var(--f-display);font-weight:700;font-size:1.15rem;letter-spacing:-.02em;transition:color .3s}
.brand:hover{color:inherit}
.brand .mark{width:38px;height:32px;flex:none;border-radius:8px;background:var(--grad);color:#06231b;display:grid;place-items:center;font-family:var(--f-mono);font-weight:700;font-size:.86rem;padding-left:3px;position:relative;box-shadow:0 6px 18px -6px rgba(16,185,129,.7)}
.brand>span{white-space:nowrap}
.brand .tag{font-family:var(--f-mono);font-size:.62rem;letter-spacing:.11em;text-transform:uppercase;color:var(--muted);font-weight:600;transition:color .3s;white-space:nowrap}
body.home .site-header:not(.scrolled) .brand{text-shadow:0 1px 14px rgba(6,13,22,.55)}
@media (max-width:560px){.brand .tag{display:none}}
.nav-links{display:flex;align-items:center;gap:1.4rem;list-style:none;margin:0;padding:0}
.nav-links a{text-decoration:none;color:var(--ink-soft);font-weight:600;font-size:.95rem;transition:color .2s}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--ink)}
.nav-links a[aria-current="page"]{box-shadow:inset 0 -2px 0 var(--green-br)}
.nav-cta{background:var(--ink);color:var(--paper)!important;padding:.55rem 1rem;border-radius:999px;font-size:.9rem!important;transition:transform .2s,box-shadow .2s;white-space:nowrap}
.nav-links{flex-wrap:nowrap}

.nav-cta:hover{transform:translateY(-1px);box-shadow:0 10px 24px -10px rgba(11,27,46,.6)}
body.home .site-header:not(.scrolled) .nav-cta{background:var(--grad);color:#06231b!important}
.nav-toggle{display:none;background:rgba(255,255,255,.06);border:1px solid var(--line-2);border-radius:8px;padding:.45rem .6rem;cursor:pointer;color:inherit;font-family:var(--f-mono);font-size:.8rem}
body.home .site-header:not(.scrolled) .nav-toggle{color:#EAF3EE;border-color:rgba(234,243,238,.3)}
@media (max-width:1024px){
  .nav-toggle{display:inline-block}
  .nav-links{position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:flex-start;gap:0;background:var(--surface);border-bottom:1px solid var(--line);padding:.5rem 0;display:none;box-shadow:var(--shadow)}
  .nav-links.open{display:flex}
  .nav-links li{width:100%}
  .nav-links a{display:block;padding:.85rem clamp(1rem,4vw,2rem);width:100%;color:var(--ink-soft)!important}
  .nav-links .nav-cta{margin:.5rem clamp(1rem,4vw,2rem);display:inline-block;width:auto;color:var(--paper)!important;background:var(--ink)!important}
}

/* ---------- breadcrumb ---------- */
.crumbs{font-family:var(--f-mono);font-size:.74rem;color:var(--muted);padding:1.1rem 0 0;letter-spacing:.02em}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--green-dk)}
.crumbs span{color:var(--line-2);margin:0 .45rem}

/* ---------- HERO ---------- */
.hero{position:relative;color:#EAF3EE;padding:clamp(5.5rem,14vh,10rem) 0 clamp(3rem,7vw,5rem);margin-top:-70px;overflow:hidden;isolation:isolate}
.hero::before{content:"";position:absolute;inset:0;z-index:-3;background:
   linear-gradient(180deg,rgba(6,13,22,.55),rgba(6,13,22,.35) 40%,rgba(6,13,22,.85)),
   url("../img/hero-bg.webp") center/cover no-repeat;background-color:var(--ink-2)}
/* animated aurora glow layer */
.hero::after{content:"";position:absolute;inset:-20%;z-index:-2;background:
   radial-gradient(40% 40% at 22% 26%,rgba(62,214,166,.35),transparent 60%),
   radial-gradient(38% 38% at 82% 20%,rgba(16,185,129,.25),transparent 60%),
   radial-gradient(45% 45% at 70% 85%,rgba(15,168,192,.22),transparent 60%);
   filter:blur(20px);animation:aurora 16s ease-in-out infinite alternate}
@keyframes aurora{0%{transform:translate3d(-2%,-1%,0) scale(1)}50%{transform:translate3d(2%,2%,0) scale(1.08)}100%{transform:translate3d(-1%,1%,0) scale(1.03)}}
/* grain overlay */
.grain{position:absolute;inset:0;z-index:-1;pointer-events:none;opacity:.05;mix-blend-mode:overlay;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
.hero h1{font-size:clamp(2.6rem,7vw,5rem);color:#fff;text-shadow:0 2px 30px rgba(6,13,22,.5);line-height:1.05}
.hero h1 .hl{color:#06231b;background:var(--grad);padding:.03em .28em;border-radius:12px;box-decoration-break:clone;-webkit-box-decoration-break:clone;box-shadow:0 16px 44px -12px rgba(16,185,129,.7);text-shadow:none}
.hero .h1-sub{display:block;margin:.6rem 0 0;font-family:var(--f-display);font-size:clamp(1.1rem,2.9vw,2rem);font-weight:600;line-height:1.18;color:rgba(234,243,238,.94);text-shadow:0 2px 20px rgba(6,13,22,.55)}
.hero .lead{color:rgba(234,243,238,.86);max-width:44ch}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:clamp(1.5rem,4vw,3.2rem);align-items:center}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.7rem}
.hero .stats{margin-top:2rem}

/* hero entrance */
.hero .anim{opacity:0;transform:translateY(22px);animation:heroIn .9s cubic-bezier(.2,.7,.2,1) forwards}
.hero .anim.d1{animation-delay:.05s}.hero .anim.d2{animation-delay:.18s}.hero .anim.d3{animation-delay:.31s}.hero .anim.d4{animation-delay:.44s}.hero .anim.d5{animation-delay:.6s}
@keyframes heroIn{to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.hero .anim{opacity:1;transform:none;animation:none}}

/* wave divider under hero */
.hero-wave{position:absolute;left:0;right:0;bottom:-1px;z-index:-1;line-height:0}
.hero-wave svg{width:100%;height:60px;display:block}

@media (max-width:700px){
  .hero::before{background:
    linear-gradient(180deg,rgba(6,13,22,.5),rgba(6,13,22,.4) 40%,rgba(6,13,22,.9)),
    url("../img/hero-bg-sm.webp") center/cover no-repeat;background-color:var(--ink-2)}
}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:.55rem;font-weight:700;font-family:var(--f-display);text-decoration:none;padding:.85rem 1.5rem;border-radius:999px;border:1.5px solid transparent;cursor:pointer;font-size:1rem;transition:transform .18s ease,box-shadow .25s ease,background .2s}
.btn-primary{background:var(--grad);color:#062018;box-shadow:0 12px 30px -12px rgba(16,185,129,.8)}
.btn-primary:hover{transform:translateY(-2px);color:#062018;box-shadow:0 18px 40px -14px rgba(16,185,129,.95)}
.btn-ghost{background:rgba(255,255,255,.07);color:#EAF3EE;border-color:rgba(234,243,238,.28);backdrop-filter:blur(6px)}
.btn-ghost:hover{transform:translateY(-2px);border-color:#EAF3EE;color:#fff}
.section .btn-ghost,.band .btn-ghost{color:var(--ink);border-color:var(--line-2);background:transparent}
.section .btn-ghost:hover{border-color:var(--ink);color:var(--ink)}

/* ---------- stats ---------- */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.16);border-radius:var(--radius);overflow:hidden}
@media (max-width:560px){.stats{grid-template-columns:1fr}}
.stats .s{background:rgba(255,255,255,.05);backdrop-filter:blur(6px);padding:1.15rem 1.25rem}
.stats .s b{font-family:var(--f-display);font-size:1.85rem;display:block;line-height:1;color:#fff}
.stats .s span{font-size:.82rem;color:rgba(234,243,238,.7)}
/* stats on light sections */
.section .stats,.article .stats{background:var(--line);border-color:var(--line)}
.section .stats .s,.article .stats .s{background:var(--surface);backdrop-filter:none}
.section .stats .s b,.article .stats .s b{color:var(--ink)}
.section .stats .s span,.article .stats .s span{color:var(--muted)}

/* ---------- verdict stub (signature) ---------- */
.stub{background:var(--surface);border:1px solid var(--line);border-top:4px solid var(--green-br);border-radius:var(--radius);padding:1.5rem 1.5rem 1.6rem;position:relative;box-shadow:var(--shadow)}
.stub::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:8px;background:radial-gradient(circle at 6px -2px,transparent 5px,var(--paper) 5px) repeat-x;background-size:14px 8px}
.stub .stub-h{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);display:flex;justify-content:space-between;border-bottom:1px dashed var(--line-2);padding-bottom:.7rem;margin-bottom:.9rem}
.stub .score{font-family:var(--f-display);font-size:2.8rem;font-weight:700;line-height:1;color:var(--ink)}
.stub .score small{font-size:1rem;color:var(--muted);font-weight:600}
.stub dl{margin:1rem 0 0;display:grid;grid-template-columns:auto 1fr;gap:.5rem 1rem;font-size:.92rem}
.stub dt{color:var(--muted)}
.stub dd{margin:0;text-align:right;font-family:var(--f-mono);font-weight:600;font-variant-numeric:tabular-nums}
.stub .verdict-line{margin-top:1.1rem;padding-top:1rem;border-top:1px dashed var(--line-2);font-size:.95rem;color:var(--ink-soft)}
.pips{display:inline-flex;gap:3px;vertical-align:middle;margin-top:.5rem}
.pips i{width:9px;height:9px;border-radius:50%;background:var(--line-2);display:inline-block}
.pips i.on{background:var(--green-br)}
/* glass version inside hero */
.hero .stub{background:rgba(14,26,40,.55);backdrop-filter:blur(16px) saturate(1.3);border:1px solid rgba(234,243,238,.16);border-top:4px solid var(--mint);box-shadow:var(--shadow-lg);color:#EAF3EE;transform:perspective(1000px) rotateY(-4deg) rotateX(2deg)}
.hero .stub::after{display:none}
.hero .stub .stub-h{color:rgba(234,243,238,.6);border-bottom-color:rgba(234,243,238,.2)}
.hero .stub .score{color:#fff}
.hero .stub .score small{color:rgba(234,243,238,.6)}
.hero .stub dt{color:rgba(234,243,238,.65)}
.hero .stub dd{color:#fff}
.hero .stub .verdict-line{color:rgba(234,243,238,.82);border-top-color:rgba(234,243,238,.2)}
.hero .stub .pips i{background:rgba(234,243,238,.25)}
.hero .stub .pips i.on{background:var(--mint)}

/* ---------- marquee ---------- */
.marquee{border-block:1px solid var(--line);background:var(--surface);overflow:hidden;padding:.9rem 0}
.marquee-track{display:flex;gap:2.5rem;width:max-content;animation:scrollx 26s linear infinite;font-family:var(--f-mono);font-size:.82rem;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.marquee-track span{display:inline-flex;align-items:center;gap:.6rem}
.marquee-track span::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--green-br)}
@keyframes scrollx{to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.marquee-track{animation:none}}

/* ---------- sections ---------- */
.section{padding:clamp(2.5rem,6vw,4.5rem) 0}
.section.alt{background:var(--surface);border-block:1px solid var(--line)}
.section.dark{background:var(--ink);color:#EAF3EE;position:relative;overflow:hidden}
.section.dark h2{color:#fff}
.section-head{max-width:64ch;margin-bottom:2.2rem}

/* article */
.article{padding:clamp(1.5rem,4vw,2.5rem) 0 clamp(2.5rem,6vw,4rem)}
.article-grid{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:clamp(2rem,5vw,3.5rem);align-items:start}
@media (max-width:960px){.article-grid{grid-template-columns:1fr}}
.prose{max-width:72ch}
.prose h2{scroll-margin-top:24px}
.prose ul,.prose ol{margin:0 0 1.2em;padding-left:1.3em}
.prose li{margin-bottom:.5em}
.prose li::marker{color:var(--green-br)}
.prose blockquote{margin:1.5em 0;padding:.3em 0 .3em 1.2em;border-left:3px solid var(--green-br);color:var(--ink-soft);font-style:italic}

.aside{position:sticky;top:24px;display:grid;gap:1.25rem}
.card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem 1.3rem;box-shadow:var(--shadow)}
.card h4,.card .card-h{margin:0 0 .75rem;font-size:.95rem}
.toc{list-style:none;margin:0;padding:0;font-size:.9rem}
.toc li{margin-bottom:.45rem}
.toc a{text-decoration:none;color:var(--ink-soft);display:block;padding-left:.8rem;border-left:2px solid var(--line);transition:border-color .2s,color .2s}
.toc a:hover{color:var(--green-dk);border-color:var(--green-br)}

/* table */
.table-wrap{overflow-x:auto;margin:1.5em 0;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}
table.data{width:100%;border-collapse:collapse;font-size:.93rem;min-width:480px;background:var(--surface);color:var(--ink)}
table.data th,table.data td{padding:.75rem .9rem;text-align:left;border-bottom:1px solid var(--line)}
table.data thead th{background:var(--ink);color:var(--paper);font-family:var(--f-mono);font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;font-weight:600}
table.data tbody tr:last-child td{border-bottom:0}
table.data td.num{font-family:var(--f-mono);font-variant-numeric:tabular-nums;text-align:right}
table.data tbody tr{transition:background .15s}
table.data tbody tr:nth-child(even){background:color-mix(in srgb,var(--paper) 55%,var(--surface))}
table.data tbody tr:hover{background:var(--green-tint)}

/* callouts */
.note{border-radius:var(--radius);padding:1.05rem 1.2rem;margin:1.6em 0;font-size:.95rem;border:1px solid var(--line);background:var(--surface);box-shadow:var(--shadow)}
.note.warn{background:var(--amber-tint);border-color:color-mix(in srgb,var(--amber) 40%,var(--line))}
.note.good{background:var(--green-tint);border-color:color-mix(in srgb,var(--green-br) 34%,var(--line))}
.note .note-h{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;margin-bottom:.35rem;display:block}
.note.warn .note-h{color:var(--amber)}
.note.good .note-h{color:var(--green-dk)}

/* pros/cons */
.proscons{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:1.6em 0}
@media (max-width:620px){.proscons{grid-template-columns:1fr}}
.pc{border:1px solid var(--line);border-radius:var(--radius);padding:1.15rem 1.25rem;background:var(--surface);box-shadow:var(--shadow)}
.pc h4,.pc h3{margin:0 0 .6rem;display:flex;align-items:center;gap:.5rem;font-size:1.05rem}
.pc.pro h4,.pc.pro h3{color:var(--green-dk)}
.pc.con h4,.pc.con h3{color:var(--danger)}
.pc ul{list-style:none;margin:0;padding:0;font-size:.93rem}
.pc li{padding-left:1.4rem;position:relative;margin-bottom:.55rem}
.pc.pro li::before{content:"+";position:absolute;left:0;color:var(--green-br);font-family:var(--f-mono);font-weight:700}
.pc.con li::before{content:"\2212";position:absolute;left:0;color:var(--danger);font-family:var(--f-mono);font-weight:700}

/* link cards */
.grid{display:grid;gap:1.15rem}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
@media (max-width:860px){.grid.cols-3{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.grid.cols-3,.grid.cols-2{grid-template-columns:1fr}}
.linkcard{position:relative;display:block;text-decoration:none;color:inherit;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.3rem 1.35rem;transition:transform .2s ease,border-color .2s ease,box-shadow .25s ease;overflow:hidden}
.linkcard::before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent,rgba(62,214,166,.08));opacity:0;transition:opacity .25s}
.linkcard:hover{transform:translateY(-5px);border-color:var(--green-br);color:inherit;box-shadow:0 26px 50px -28px rgba(11,27,46,.5)}
.linkcard:hover::before{opacity:1}
.linkcard .kicker{font-family:var(--f-mono);font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:var(--green-dk);font-weight:700}
.linkcard h3{font-size:1.14rem;margin:.5rem 0 .4rem}
.linkcard p{font-size:.92rem;color:var(--muted);margin:0}
.linkcard .go{font-family:var(--f-mono);font-size:.8rem;color:var(--green-dk);margin-top:.75rem;display:inline-flex;gap:.35rem;transition:gap .2s}
.linkcard:hover .go{gap:.7rem}
.section.dark .linkcard{background:rgba(255,255,255,.05);border-color:rgba(234,243,238,.14);backdrop-filter:blur(6px)}
.section.dark .linkcard h3{color:#fff}
.section.dark .linkcard .kicker,.section.dark .linkcard .go{color:var(--mint)}
.section.dark .linkcard p{color:rgba(234,243,238,.7)}

/* FAQ */
.faq{border-top:1px solid var(--line);margin-top:1.5em}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;padding:1.1rem 2rem 1.1rem 0;font-weight:700;font-family:var(--f-display);position:relative;list-style:none;font-size:1.05rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:.2rem;top:50%;transform:translateY(-50%);font-family:var(--f-mono);color:var(--green-br);font-size:1.3rem;transition:transform .2s}
.faq details[open] summary::after{content:"\2212"}
.faq details>div{padding:0 0 1.1rem;color:var(--ink-soft);font-size:.97rem}

/* CTA band */
.band{position:relative;background:var(--ink);color:#EAF3EE;border-radius:var(--radius);padding:clamp(1.8rem,4vw,3rem);margin:2.6rem 0;overflow:hidden;isolation:isolate}
.band::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(50% 120% at 15% 20%,rgba(62,214,166,.25),transparent 60%),radial-gradient(50% 120% at 90% 90%,rgba(15,168,192,.22),transparent 60%)}
.band h2{color:#fff;margin-top:0}
.band p{color:rgba(234,243,238,.82)}

/* footer */
.site-footer{background:var(--ink-2);color:rgba(234,243,238,.72);margin-top:0;font-size:.92rem;position:relative;overflow:hidden}
.site-footer::before{content:"";position:absolute;top:-30%;left:-10%;width:50%;height:80%;background:radial-gradient(closest-side,rgba(16,185,129,.14),transparent);pointer-events:none}
.site-footer .wrap{padding-block:3.2rem 2rem;position:relative}
.foot-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:2rem}
@media (max-width:780px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.foot-grid{grid-template-columns:1fr}}
.site-footer h5,.site-footer .foot-h{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:#fff;margin:0 0 .9rem}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:.5rem}
.site-footer a{color:rgba(234,243,238,.72);text-decoration:none}
.site-footer a:hover{color:#fff}
.site-footer .brand{color:#fff}
.site-footer .brand .tag{color:rgba(234,243,238,.5)}
.foot-note{border-top:1px solid rgba(234,243,238,.16);margin-top:2.4rem;padding-top:1.4rem;font-size:.8rem;color:rgba(234,243,238,.5)}
.foot-note p{margin:0 0 .6rem}

.disclosure{font-size:.82rem;color:var(--muted);background:var(--surface);border:1px dashed var(--line-2);border-radius:var(--radius-sm);padding:.75rem .95rem;margin:1.3rem 0}
.authorbox{display:flex;gap:1rem;align-items:center;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.15rem 1.25rem;margin:2rem 0 0;box-shadow:var(--shadow)}
.authorbox .av{width:54px;height:54px;flex:none;border-radius:50%;background:var(--grad);color:#062018;display:grid;place-items:center;font-family:var(--f-display);font-weight:700;font-size:1.3rem}
.authorbox .meta{font-size:.9rem}
.authorbox .meta b{display:block;font-family:var(--f-display)}
.authorbox .meta span{color:var(--muted)}
.updated{font-family:var(--f-mono);font-size:.78rem;color:var(--muted);margin-bottom:1.2rem}
.updated b{color:var(--ink);font-weight:600}

/* scroll reveal (only hides when JS is active, so no-JS shows everything) */
.reveal{transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1)}
html.js .reveal{opacity:0;transform:translateY(26px)}
html.js .reveal.in{opacity:1;transform:none}
.reveal.d1{transition-delay:.08s}.reveal.d2{transition-delay:.16s}.reveal.d3{transition-delay:.24s}

/* ---------- service & page photos ---------- */
.svc-photo{margin:0 0 1rem}
.svc-photo img{width:100%;height:auto;display:block;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow)}
.page-photo{margin:1.6rem 0}
.page-photo img{width:100%;height:auto;display:block;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow)}
.page-photo figcaption{font-family:var(--f-mono);font-size:.78rem;color:var(--muted);margin-top:.6rem}

/* ---------- content figures (image sections) ---------- */
.content-figure{margin:0;max-width:900px}
.content-figure img{width:100%;height:auto;display:block;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff}
.content-figure figcaption{font-family:var(--f-mono);font-size:.8rem;color:var(--muted);margin-top:.7rem}

/* ---------- calculator ---------- */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:clamp(1.2rem,3vw,2rem);background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(1.3rem,3vw,2rem);box-shadow:var(--shadow-lg)}
@media(max-width:760px){.calc{grid-template-columns:1fr}}
.calc-group{margin-bottom:1.3rem}
.calc-group:last-child{margin-bottom:0}
.calc-group label{display:block;font-weight:700;font-family:var(--f-display);margin-bottom:.5rem;color:var(--ink)}
.calc-field{display:flex;align-items:center;gap:.4rem;border:1.5px solid var(--line-2);border-radius:10px;padding:.15rem .8rem;background:#fff}
.calc-field:focus-within{border-color:var(--green-br)}
.calc-field span{color:var(--muted);font-family:var(--f-mono)}
.calc-field input{border:0;outline:0;font:inherit;font-family:var(--f-mono);font-size:1.15rem;font-weight:600;width:100%;padding:.5rem 0;background:transparent;color:var(--ink)}
.calc-range{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;background:var(--line-2);margin-top:.8rem;cursor:pointer}
.calc-range::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--grad);border:3px solid #fff;box-shadow:0 2px 8px -2px rgba(11,27,46,.6);cursor:pointer}
.calc-range::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--green-br);border:3px solid #fff;cursor:pointer}
.calc-group small{display:block;color:var(--muted);font-size:.8rem;margin-top:.5rem}
.calc-out{background:var(--ink);color:#EAF3EE;border-radius:var(--radius);padding:clamp(1.3rem,3vw,1.8rem);display:flex;flex-direction:column;gap:1rem;position:relative;overflow:hidden;isolation:isolate}
.calc-out::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(60% 80% at 80% 0%,rgba(62,214,166,.22),transparent 60%)}
.calc-apr-wrap{text-align:center;border-bottom:1px dashed rgba(234,243,238,.2);padding-bottom:1rem}
.calc-label{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:rgba(234,243,238,.6);display:block;margin-bottom:.3rem}
.calc-apr{font-family:var(--f-display);font-size:clamp(2.6rem,7vw,3.6rem);line-height:1;display:block;color:#fff}
.calc-apr.is-low{color:#5BE3B4}.calc-apr.is-mid{color:#F4C25A}.calc-apr.is-high{color:#FF8A7A}
.calc-aprnote{font-size:.82rem;color:rgba(234,243,238,.75);display:block;margin-top:.4rem}
.calc-dl{display:grid;grid-template-columns:auto 1fr;gap:.5rem 1rem;margin:0;font-size:.92rem}
.calc-dl dt{color:rgba(234,243,238,.7)}
.calc-dl dd{margin:0;text-align:right;font-family:var(--f-mono);font-weight:600}
.calc-sentence{font-size:.9rem;color:rgba(234,243,238,.85);margin:0;line-height:1.5}
.calc-out .btn{margin-top:auto;justify-content:center}

/* ---------- trustpilot reputation block ---------- */
.tp-head{display:flex;flex-wrap:wrap;gap:1rem 2rem;align-items:flex-end;justify-content:space-between;margin-bottom:1.6rem}
.tp-score{display:flex;align-items:center;gap:.8rem}
@media(max-width:560px){.tp-score{flex-direction:column;align-items:flex-start;gap:.4rem}}
.tp-stars{color:#00b67a;font-size:1.5rem;letter-spacing:.1em;line-height:1}
.tp-score-txt{font-size:.92rem;color:var(--ink-soft)}
.tp-score-txt b{font-family:var(--f-display);font-size:1.05rem;color:var(--ink)}
.tp-muted{color:var(--muted);font-size:.82rem}
.tp-summary{max-width:80ch;color:var(--ink-soft);margin:1.4rem 0 0;font-size:.97rem}

/* ---------- expert / reviewer section ---------- */
.expert-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(1.5rem,4vw,3rem);align-items:start}
@media(max-width:860px){.expert-grid{grid-template-columns:1fr}}
.expert-card{display:flex;gap:1.4rem;align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem 1.6rem;box-shadow:var(--shadow)}
@media(max-width:520px){.expert-card{flex-direction:column;gap:1rem}}
.expert-photo{width:112px;height:112px;flex:none;border-radius:16px;object-fit:cover;background:var(--ink);border:1px solid var(--line)}
.expert-body{position:relative}
.expert-body .av-mono{display:none}
.expert-role{font-family:var(--f-mono);font-size:.78rem;letter-spacing:.04em;color:var(--green-dk);margin:.15rem 0 .55rem;text-transform:uppercase;font-weight:600}
.cred-chips{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;padding:0;margin:0 0 .8rem}
.cred-chips li{font-family:var(--f-mono);font-size:.74rem;font-weight:600;color:#062018;background:var(--grad);border-radius:6px;padding:.22rem .55rem}
.cred-placeholder{font-size:.8rem;color:var(--amber);background:var(--amber-tint);border:1px dashed color-mix(in srgb,var(--amber) 45%,var(--line));border-radius:8px;padding:.5rem .7rem;margin:0 0 .8rem}
.expert-bio{font-size:.95rem;color:var(--ink-soft);margin:0 0 .9rem}
.expert-tags{list-style:none;display:flex;flex-wrap:wrap;gap:.4rem;padding:0;margin:0 0 1rem}
.expert-tags li{font-size:.76rem;font-family:var(--f-mono);color:var(--ink-soft);background:var(--green-tint);border:1px solid color-mix(in srgb,var(--green-br) 25%,var(--line));border-radius:999px;padding:.25rem .7rem}
.expert-link{font-family:var(--f-mono);font-size:.82rem;font-weight:600;text-decoration:none;color:var(--green-dk)}
.expert-link:hover{color:var(--green)}
.svc-list.mt0{margin-top:0}

/* ---------- service split sections ---------- */
.svc-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(1.5rem,4vw,3.2rem);align-items:center}
@media(max-width:860px){.svc-grid{grid-template-columns:1fr;gap:1.5rem}}
.svc-grid.rev .reveal:first-child{order:2}
@media(max-width:860px){.svc-grid.rev .reveal:first-child{order:0}}
.svc-list{list-style:none;padding:0;margin:.4rem 0 1.4rem}
.svc-list li{padding-left:1.5rem;position:relative;margin-bottom:.55rem}
.svc-list li::before{content:"";position:absolute;left:0;top:.5em;width:9px;height:9px;border-radius:50%;background:var(--grad)}
.svc-card dl{display:grid;grid-template-columns:auto 1fr;gap:.6rem 1rem;margin:.4rem 0 0;font-size:.93rem}
.svc-card dt{color:var(--muted)}
.svc-card dd{margin:0;text-align:right;font-family:var(--f-mono);font-weight:600;font-variant-numeric:tabular-nums}
.svc-cardnote{font-size:.74rem;color:var(--muted);margin:1rem 0 0;border-top:1px dashed var(--line-2);padding-top:.7rem;line-height:1.5}

/* ---------- apply form (hero lead form) ---------- */
#apply{scroll-margin-top:24px}
.applyform{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-lg);overflow:hidden;position:relative}
.applyform::before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:var(--grad);z-index:1}
.applyform-head{padding:1.6rem 1.6rem .3rem}
.af-kicker{font-family:var(--f-mono);font-size:.67rem;letter-spacing:.14em;text-transform:uppercase;color:var(--green-dk);font-weight:700}
.af-title{font-size:clamp(1.3rem,2.4vw,1.6rem);margin:.55rem 0 .3rem;color:var(--ink)}
.af-sub{color:var(--muted);font-size:.95rem;margin:0}
.applyform-body{padding:1.1rem 1.6rem .4rem;min-height:110px;position:relative}
.form-loading{color:var(--muted);font-family:var(--f-mono);font-size:.85rem;padding:1.6rem 0;text-align:center}
.applyform.loaded .form-loading{display:none}
.af-legal{font-size:.72rem;color:var(--muted);padding:.5rem 1.6rem 1.5rem;margin:0;line-height:1.55}
.af-legal a{color:var(--green-dk)}

/* fallback styling for embedded form (low specificity via :where — vendor CSS overrides) */
:where(#_lg_form_){font-family:var(--f-body);color:var(--ink)}
:where(#_lg_form_) input:not([type=checkbox]):not([type=radio]):not([type=submit]):not([type=button]),
:where(#_lg_form_) select,
:where(#_lg_form_) textarea{width:100%;padding:.72rem .85rem;border:1px solid var(--line-2);border-radius:8px;font:inherit;background:#fff;color:var(--ink);margin-bottom:.65rem}
:where(#_lg_form_) label{display:block;font-size:.9rem;font-weight:600;color:var(--ink-soft);margin:.2rem 0 .3rem}
:where(#_lg_form_) button,:where(#_lg_form_) input[type=submit],:where(#_lg_form_) input[type=button]{width:100%;padding:.9rem 1.2rem;border:0;border-radius:999px;font-weight:700;font-family:var(--f-display);font-size:1rem;background:var(--grad);color:#062018;cursor:pointer}

/* flash highlight when navigated to via an Apply link */
.applyform.flash{animation:formflash 1.7s ease}
@keyframes formflash{0%,100%{box-shadow:var(--shadow-lg)}22%,58%{box-shadow:0 0 0 4px rgba(62,214,166,.6),var(--shadow-lg)}}
@media (prefers-reduced-motion:reduce){.applyform.flash{animation:none}}
@media (max-width:900px){.hero .stats{display:none}}

/* ---------- takeaways (answer-first box) ---------- */
.takeaways{max-width:72ch;background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--green-br);border-radius:var(--radius-sm);padding:1rem 1.25rem;margin:1.2rem 0 .4rem;box-shadow:var(--shadow)}
.takeaways-h{font-family:var(--f-mono);font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--green-dk);margin:0 0 .55rem}
.takeaways ul{margin:0;padding-left:1.15em;font-size:.95rem;color:var(--ink-soft)}
.takeaways li{margin-bottom:.45em}
.takeaways li:last-child{margin-bottom:0}
.takeaways li::marker{color:var(--green-br)}

/* verified chip */
.chip-verified{display:inline-block;font-family:var(--f-mono);font-size:.7rem;font-weight:700;color:var(--green-dk);background:var(--green-tint);border:1px solid color-mix(in srgb,var(--green-br) 30%,var(--line));border-radius:999px;padding:.14rem .55rem;margin-left:.5rem;vertical-align:1px}

/* aside apply card */
.aside-cta{text-align:center;border-top:4px solid var(--green-br)}
.aside-cta-k{font-family:var(--f-mono);font-size:.68rem;letter-spacing:.12em;text-transform:uppercase;color:var(--green-dk);font-weight:700;margin:0 0 .3rem}
.aside-cta-t{font-family:var(--f-display);font-weight:700;font-size:1.1rem;margin:0 0 .8rem;color:var(--ink)}
.aside-cta .btn{width:100%;justify-content:center}
.aside-cta-n{font-size:.7rem;color:var(--muted);margin:.7rem 0 0;line-height:1.5}

/* ---------- mobile sticky CTA ---------- */
.mobile-cta{position:fixed;left:0;right:0;bottom:0;z-index:80;display:none;align-items:center;gap:.6rem;padding:.55rem max(.8rem,env(safe-area-inset-left)) calc(.55rem + env(safe-area-inset-bottom));background:color-mix(in srgb,var(--surface) 92%,transparent);backdrop-filter:blur(10px) saturate(1.3);border-top:1px solid var(--line);box-shadow:0 -10px 30px -18px rgba(11,27,46,.45)}
.mobile-cta .btn{flex:1;justify-content:center;padding:.65rem 1rem;font-size:.95rem}
.mcta-link{font-weight:700;font-size:.85rem;color:var(--ink);text-decoration:none;white-space:nowrap}
.mcta-close{background:none;border:0;font-size:1.4rem;line-height:1;color:var(--muted);cursor:pointer;padding:.2rem .35rem}
@media (max-width:768px){body.mcta-on .mobile-cta{display:flex}body.mcta-on{padding-bottom:74px}}

/* ---------- reading progress bar ---------- */
.progress{position:fixed;top:0;left:0;right:0;height:3px;z-index:90;pointer-events:none}
.progress i{display:block;height:100%;width:0;background:var(--grad);transition:width .1s linear}
@media (prefers-reduced-motion:reduce){.progress i{transition:none}}

/* utility */
.center{text-align:center}.mt0{margin-top:0}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:var(--paper);padding:.6rem 1rem;z-index:100}
.skip:focus{left:0}