/* ============================================================
   PCJ HOLDINGS — Design System
   Brand-locked: colours & fonts taken verbatim from pcjholdings.in
   Navy #1d2f4f · Orange #fa854f · Peach #fac4a3 · Green #138663
   Fonts: Montserrat (UI/headings) + Libre Baskerville (serif accent)
   Elevation strategy: Layered premium shadows · 4px spacing scale
   ============================================================ */
:root{
  /* brand */
  --navy:#1d2f4f; --navy-deep:#121f36; --navy-800:#16263f;
  --orange:#fa854f; --orange-600:#f2743a; --orange-soft:#fddfce;
  --peach:#fac4a3; --peach-tint:#fdeadd;
  --cream:#fdf7f2; --paper:#ffffff;
  --green:#138663; --green-deep:#00852c; --green-soft:#e3f1ea;
  --ink:#1d2f4f; --muted:#5b667f; --muted-2:#8891a5;
  --line:#ece3d8; --line-2:#e2d7ca;
  /* spacing (4px scale) */
  --s1:4px; --s2:8px; --s3:12px; --s4:16px; --s5:20px; --s6:24px;
  --s8:32px; --s10:40px; --s12:48px; --s16:64px; --s20:80px; --s24:96px;
  /* radii */
  --r-sm:12px; --r:18px; --r-lg:26px; --r-xl:34px; --r-pill:100px;
  /* premium layered shadows */
  --sh-1:0 1px 2px rgba(18,31,54,.05), 0 1px 1px rgba(18,31,54,.04);
  --sh-2:0 2px 4px rgba(18,31,54,.05), 0 4px 10px -4px rgba(18,31,54,.10);
  --sh-3:0 10px 24px -12px rgba(18,31,54,.28), 0 4px 8px -6px rgba(18,31,54,.14);
  --sh-4:0 30px 60px -28px rgba(18,31,54,.42), 0 12px 24px -18px rgba(18,31,54,.24);
  --sh-orange:0 16px 34px -14px rgba(250,133,79,.72);
  /* type */
  --f-head:'Montserrat',system-ui,-apple-system,'Segoe UI',sans-serif;
  --f-body:'Montserrat',system-ui,-apple-system,'Segoe UI',sans-serif;
  --f-serif:'Libre Baskerville',Georgia,'Times New Roman',serif;
  --maxw:1220px;
  --fs-hero:clamp(2.35rem,1.6rem+3.4vw,4.15rem);
  --fs-h2:clamp(1.85rem,1.2rem+2.2vw,3rem);
  --fs-h3:clamp(1.2rem,1rem+.7vw,1.6rem);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:120px}
body{font-family:var(--f-body);color:var(--navy);background:var(--cream);font-size:16px;line-height:1.62;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4,h5{font-family:var(--f-head);color:var(--navy);line-height:1.12;font-weight:800;letter-spacing:-.02em}
.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 24px}
.pad{padding:clamp(56px,8vw,112px) 0}
.pad-sm{padding:clamp(40px,5vw,72px) 0}
.center{text-align:center}
.center .lead{margin-inline:auto}
.eyebrow{font-family:var(--f-serif);font-style:italic;color:var(--orange-600);font-size:1.02rem;display:inline-block;margin-bottom:14px}
.eyebrow::before{content:"";display:inline-block;width:26px;height:1.5px;background:var(--orange);vertical-align:middle;margin-right:10px;transform:translateY(-4px)}
.h2{font-size:var(--fs-h2);margin-bottom:16px}
.lead{max-width:660px;color:var(--muted);font-size:1.08rem}
.tc-navy{color:var(--navy)} .tc-orange{color:var(--orange)} .tc-green{color:var(--green)}
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)} .g3{grid-template-columns:repeat(3,1fr)} .g4{grid-template-columns:repeat(4,1fr)}
.mt-s6{margin-top:24px}.mt-s10{margin-top:40px}.mt-s12{margin-top:48px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--f-head);font-weight:700;font-size:.95rem;padding:14px 26px;border-radius:var(--r-pill);cursor:pointer;border:1.6px solid transparent;transition:.25s cubic-bezier(.2,.7,.3,1);white-space:nowrap}
.btn svg{width:17px;height:17px}
.btn-primary{background:var(--orange);color:#fff;box-shadow:var(--sh-orange)}
.btn-primary:hover{background:var(--orange-600);transform:translateY(-2px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep);transform:translateY(-2px)}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff;transform:translateY(-2px)}
.btn-light{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-light:hover{border-color:var(--orange);color:var(--orange-600);transform:translateY(-2px)}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn-outline-light:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-sm{padding:11px 19px;font-size:.85rem}
.btn-lg{padding:16px 32px;font-size:1rem}

/* ---------- alert marquee ---------- */
.alert-bar{background:var(--navy-deep);color:#f4e9df;font-size:.78rem;overflow:hidden;white-space:nowrap;border-bottom:1px solid rgba(255,255,255,.08)}
.alert-track{display:inline-block;padding:8px 0;animation:marq 46s linear infinite}
.alert-track span{padding:0 34px}.alert-track b{color:var(--orange)}
@keyframes marq{from{transform:translateX(0)}to{transform:translateX(-50%)}}


/* ---------- header ---------- */
.header{position:sticky;top:0;z-index:80;background:rgba(253,247,242,.85);backdrop-filter:blur(14px);border-bottom:1px solid var(--line);transition:.3s}
.header.scrolled{box-shadow:var(--sh-2);background:rgba(253,247,242,.97)}
.util{display:flex;justify-content:flex-end;gap:22px;font-size:.76rem;font-weight:600;padding:7px 0;border-bottom:1px solid var(--line)}
.util a{display:inline-flex;align-items:center;gap:6px;color:var(--green);transition:.2s}
.util a:hover{color:var(--orange-600)}
.util .apps a{color:var(--navy)}
.navbar{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:8px 0}
.brand{display:flex;align-items:center;gap:12px;flex-shrink:0}
.brand .logo{width:48px;height:48px;flex-shrink:0;filter:drop-shadow(0 4px 10px rgba(18,31,54,.18))}
.brand-name{font-family:var(--f-head);font-weight:800;font-size:1.14rem;color:var(--navy);letter-spacing:.04em;line-height:1}
.brand-sub{font-family:var(--f-serif);font-style:italic;font-size:.66rem;color:var(--orange-600)}
.nav-links{display:flex;align-items:center;gap:2px;list-style:none}
.nav-links>li{position:relative}
.nav-links a.top,.nav-links button.top{display:inline-flex;align-items:center;gap:5px;padding:10px 13px;font-family:var(--f-head);font-size:.88rem;font-weight:600;color:var(--navy);border-radius:10px;transition:.2s;background:none;border:0;cursor:pointer}
.nav-links a.top:hover,.nav-links li:hover>a.top,.nav-links li:hover>button.top{color:var(--orange-600);background:var(--peach-tint)}
.nav-links a.top.active{color:var(--orange-600)}
.caret{width:9px;height:9px;opacity:.55}
.dropdown{position:absolute;top:calc(100% + 8px);left:0;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--sh-3);padding:10px;min-width:236px;opacity:0;visibility:hidden;transform:translateY(8px);transition:.22s;z-index:90}
.dropdown.wide{min-width:440px;display:grid;grid-template-columns:1fr 1fr;gap:2px}
.nav-links li:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:block;padding:9px 13px;font-size:.85rem;font-weight:600;color:var(--navy);border-radius:9px;transition:.18s}
.dropdown a:hover{background:var(--peach-tint);color:var(--orange-600);padding-left:18px}
.dropdown .grp{grid-column:1/-1;font-size:.64rem;text-transform:uppercase;letter-spacing:.13em;color:var(--muted-2);padding:9px 13px 4px;font-weight:700}
.nav-cta{display:flex;align-items:center;gap:10px;flex-shrink:0}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.burger span{width:24px;height:2.4px;background:var(--navy);border-radius:2px;transition:.3s}

/* mobile drawer */
.drawer{position:fixed;inset:0;z-index:120;background:rgba(18,31,54,.5);backdrop-filter:blur(4px);opacity:0;visibility:hidden;transition:.3s}
.drawer.open{opacity:1;visibility:visible}
.drawer-panel{position:absolute;top:0;right:0;height:100%;width:min(370px,90vw);background:var(--cream);padding:24px 20px;overflow-y:auto;transform:translateX(100%);transition:.35s cubic-bezier(.2,.7,.3,1)}
.drawer.open .drawer-panel{transform:translateX(0)}
.drawer-close{position:absolute;top:16px;right:16px;background:none;border:0;font-size:1.9rem;color:var(--navy);cursor:pointer;line-height:1}
.m-group{border-bottom:1px solid var(--line)}
.m-group>button{width:100%;display:flex;justify-content:space-between;align-items:center;background:none;border:0;padding:15px 4px;font-family:var(--f-head);font-weight:700;font-size:1rem;color:var(--navy);cursor:pointer}
.m-group>button .pl{color:var(--orange);font-size:1.3rem;transition:.3s}
.m-group.open>button .pl{transform:rotate(45deg)}
.m-sub{max-height:0;overflow:hidden;transition:.3s}
.m-sub.open{max-height:760px}
.m-sub a{display:block;padding:9px 12px;font-size:.9rem;color:var(--muted);font-weight:600}
.m-sub a:hover{color:var(--orange-600)}

/* ---------- hero ---------- */
.hero{background:radial-gradient(1100px 520px at 82% -12%,rgba(250,196,163,.55),transparent 60%),radial-gradient(760px 460px at 4% 8%,rgba(19,134,99,.10),transparent 55%),linear-gradient(180deg,var(--peach-tint),var(--cream) 78%);overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center;padding:clamp(46px,7vw,92px) 0 clamp(56px,7vw,88px)}
.hero-tag{font-family:var(--f-serif);font-style:italic;color:var(--navy);font-size:clamp(1.05rem,2vw,1.4rem);margin-bottom:16px}
.hero-tag b{color:var(--orange-600);font-style:normal;font-weight:700}
.hero h1{font-size:var(--fs-hero);line-height:1.03;margin-bottom:20px;letter-spacing:-.03em}
.hero h1 .g{color:var(--orange)} .hero h1 .n{color:var(--navy)}
.hero-sub{font-size:1.15rem;color:#41506c;max-width:560px;margin-bottom:30px}
.hero-cta{display:flex;gap:13px;flex-wrap:wrap;margin-bottom:32px}
.trust-strip{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.trust-strip .lbl{font-size:.72rem;text-transform:uppercase;letter-spacing:.14em;color:var(--muted);font-weight:700}
.reg-chips{display:flex;gap:8px;flex-wrap:wrap}
.reg-chips span{font-size:.72rem;font-weight:700;color:var(--navy);background:#fff;border:1px solid var(--line);padding:6px 12px;border-radius:var(--r-pill);box-shadow:var(--sh-1)}
.hero-card{position:relative;background:linear-gradient(160deg,var(--navy),var(--navy-deep));border-radius:var(--r-lg);padding:32px;color:#fff;box-shadow:var(--sh-4);overflow:hidden}
.hero-card::after{content:"";position:absolute;width:280px;height:280px;background:radial-gradient(circle,rgba(250,133,79,.45),transparent 70%);top:-90px;right:-70px}
.hero-card .badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);padding:8px 15px;border-radius:var(--r-pill);font-size:.78rem;font-weight:600;margin-bottom:20px;position:relative;z-index:2}
.hero-card .badge .dot{width:8px;height:8px;border-radius:50%;background:var(--green-deep);box-shadow:0 0 0 4px rgba(0,133,44,.25)}
.hero-card h3{color:#fff;font-size:1.45rem;margin-bottom:5px;position:relative;z-index:2}
.hero-card p.muted{color:rgba(255,255,255,.7);font-size:.92rem;margin-bottom:20px;position:relative;z-index:2}
.mini-stats{display:grid;grid-template-columns:1fr 1fr;gap:13px;position:relative;z-index:2}
.mini-stat{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:14px;padding:15px}
.mini-stat .v{font-size:1.55rem;font-weight:800;color:var(--orange);font-family:var(--f-head)}
.mini-stat .k{font-size:.75rem;color:rgba(255,255,255,.72);margin-top:2px}
.hero-card .rm{display:flex;align-items:center;gap:12px;margin-top:20px;padding-top:18px;border-top:1px solid rgba(255,255,255,.12);position:relative;z-index:2}
.hero-card .rm .av{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--orange),var(--green));display:grid;place-items:center;font-weight:800;color:#fff;font-size:.9rem}
.hero-card .rm small{color:rgba(255,255,255,.7);display:block;font-size:.72rem}

/* ---------- page banner (interior pages) ---------- */
.pbanner{background:radial-gradient(900px 380px at 88% -30%,rgba(250,196,163,.5),transparent 60%),linear-gradient(180deg,var(--navy),var(--navy-deep));color:#fff;padding:clamp(44px,6vw,84px) 0 clamp(40px,5vw,64px);position:relative;overflow:hidden}
.pbanner::after{content:"";position:absolute;width:340px;height:340px;background:radial-gradient(circle,rgba(19,134,99,.35),transparent 70%);bottom:-140px;left:-80px}
.crumbs{font-size:.8rem;color:rgba(255,255,255,.6);margin-bottom:14px;position:relative;z-index:2}
.crumbs a:hover{color:var(--orange)}
.crumbs span{margin:0 7px;opacity:.5}
.pbanner-bg{position:absolute;inset:0;z-index:0}
.pbanner-bg img{width:100%;height:100%;object-fit:cover;opacity:.20}
.pbanner .container{position:relative;z-index:2}
.pbanner .eyebrow{color:var(--orange)}
.pbanner h1{color:#fff;font-size:clamp(2rem,1.4rem+2.4vw,3.2rem);letter-spacing:-.02em;position:relative;z-index:2;max-width:900px}
.pbanner p{color:rgba(255,255,255,.78);font-size:1.1rem;max-width:640px;margin-top:16px;position:relative;z-index:2}
.pbanner .pbcta{margin-top:26px;display:flex;gap:12px;flex-wrap:wrap;position:relative;z-index:2}

/* ---------- stats band ---------- */
.stats{background:var(--navy);color:#fff}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding:52px 0}
.stat{text-align:center;position:relative}
.stat:not(:last-child)::after{content:"";position:absolute;right:-10px;top:14%;height:72%;width:1px;background:rgba(255,255,255,.14)}
.stat .num{font-size:clamp(2rem,4vw,2.9rem);font-weight:800;font-family:var(--f-head);line-height:1}
.stat .num .u{color:var(--orange)}
.stat .cap{margin-top:8px;font-size:.85rem;color:rgba(255,255,255,.72)}

/* ---------- cards ---------- */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--sh-1);transition:.3s;position:relative;overflow:hidden}
.card:hover{transform:translateY(-6px);box-shadow:var(--sh-3);border-color:var(--orange-soft)}
.card .ic{width:52px;height:52px;border-radius:14px;display:grid;place-items:center;margin-bottom:16px;background:var(--peach-tint);color:var(--orange-600)}
.card .ic.green{background:var(--green-soft);color:var(--green)}
.card .ic svg{width:26px;height:26px}
.card h3{font-size:1.14rem;margin-bottom:8px}
.card p{color:var(--muted);font-size:.93rem}
.card .num-tag{position:absolute;top:18px;right:22px;font-family:var(--f-serif);font-size:2rem;color:var(--peach);font-weight:700;line-height:1}

/* pillars */
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.pillar{padding:26px;border-radius:var(--r);background:linear-gradient(180deg,#fff,var(--cream));border:1px solid var(--line);transition:.3s}
.pillar:hover{transform:translateY(-5px);box-shadow:var(--sh-3)}
.pillar .p-ic{width:46px;height:46px;border-radius:12px;background:var(--navy);color:var(--orange);display:grid;place-items:center;margin-bottom:15px}
.pillar h4{font-size:1.04rem;margin-bottom:6px}
.pillar p{font-size:.87rem;color:var(--muted)}

/* service chips */
.svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.svc{display:flex;gap:14px;align-items:flex-start;padding:22px;background:#fff;border:1px solid var(--line);border-radius:16px;transition:.28s}
.svc:hover{border-color:var(--orange);background:var(--peach-tint);transform:translateY(-4px)}
.svc .s-ic{width:44px;height:44px;flex-shrink:0;border-radius:12px;background:var(--green-soft);color:var(--green);display:grid;place-items:center}
.svc:hover .s-ic{background:var(--orange);color:#fff}
.svc h4{font-size:1rem;margin-bottom:3px}
.svc p{font-size:.82rem;color:var(--muted);line-height:1.45}
.svc.link::after{content:"→";margin-left:auto;color:var(--orange);opacity:0;transition:.25s;font-weight:700}
.svc.link:hover::after{opacity:1}

/* persona */
.persona{background:linear-gradient(165deg,#fff,var(--cream));border:1px solid var(--line);border-radius:var(--r-lg);padding:32px;transition:.3s}
.persona:hover{transform:translateY(-6px);box-shadow:var(--sh-4)}
.persona .pnum{font-family:var(--f-serif);font-size:1rem;color:var(--orange-600);font-weight:700}
.persona h3{font-size:1.45rem;margin:10px 0 12px}
.persona p{color:var(--muted);font-size:.94rem;margin-bottom:18px}
.persona ul{list-style:none;display:grid;gap:10px}
.persona li{display:flex;gap:10px;font-size:.9rem;font-weight:500}
.persona li svg{width:18px;height:18px;color:var(--green);flex-shrink:0;margin-top:2px}

/* split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.feature-list{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:8px}
.feat{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;transition:.25s}
.feat:hover{border-color:var(--orange);transform:translateY(-3px);box-shadow:var(--sh-1)}
.feat .f-ic{width:38px;height:38px;border-radius:10px;background:var(--peach-tint);color:var(--orange-600);display:grid;place-items:center;margin-bottom:10px}
.feat h4{font-size:.97rem;margin-bottom:4px}
.feat p{font-size:.8rem;color:var(--muted);line-height:1.45}

/* app mock */
.app-mock{background:linear-gradient(160deg,var(--navy),var(--navy-deep));border-radius:var(--r-lg);padding:28px;box-shadow:var(--sh-4);position:relative;overflow:hidden}
.app-mock::before{content:"";position:absolute;width:220px;height:220px;background:radial-gradient(circle,rgba(19,134,99,.4),transparent 70%);bottom:-70px;left:-50px}
.app-head{display:flex;justify-content:space-between;align-items:center;color:#fff;margin-bottom:18px;position:relative;z-index:2}
.app-head .t{font-weight:700;font-size:.95rem}
.app-head .live{font-size:.72rem;color:#7fe3b6;display:flex;align-items:center;gap:6px}
.app-head .live::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--green-deep);box-shadow:0 0 0 4px rgba(0,133,44,.25)}
.tick{display:flex;justify-content:space-between;align-items:center;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:12px;padding:12px 15px;margin-bottom:10px;position:relative;z-index:2}
.tick .sym{color:#fff;font-weight:700;font-size:.9rem}.tick .sub{color:rgba(255,255,255,.6);font-size:.72rem}
.tick .pr{color:#fff;font-weight:700;font-size:.9rem;text-align:right}.tick .chg{font-size:.75rem;text-align:right}
.up{color:#54d19a}.down{color:#ff8f6b}
.spark{height:32px;width:72px}

/* ---------- calculators ---------- */
.calc-wrap{background:linear-gradient(180deg,#fff,var(--cream));border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--sh-3);overflow:hidden}
.calc-tabs{display:flex;flex-wrap:wrap;gap:4px;padding:14px;background:var(--navy)}
.calc-tab{flex:1;min-width:110px;text-align:center;padding:12px 14px;border-radius:12px;color:rgba(255,255,255,.7);font-weight:700;font-size:.86rem;cursor:pointer;border:0;background:transparent;transition:.2s;font-family:var(--f-head)}
.calc-tab.active{background:var(--orange);color:#fff}
.calc-tab:hover:not(.active){color:#fff;background:rgba(255,255,255,.08)}
.calc-body{display:grid;grid-template-columns:1.15fr .85fr}
.calc-inputs{padding:32px}
.calc-result{padding:32px;background:var(--navy);color:#fff;display:flex;flex-direction:column;justify-content:center}
.calc-panel{display:none}.calc-panel.active{display:block;animation:fade .4s ease}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.field{margin-bottom:22px}
.field .frow{display:flex;justify-content:space-between;align-items:center;margin-bottom:9px}
.field label{font-weight:600;font-size:.89rem}
.field .val{font-weight:800;color:var(--orange-600);font-size:1rem;background:var(--peach-tint);padding:5px 12px;border-radius:8px;font-family:var(--f-head)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;background:var(--line-2);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--orange);cursor:pointer;border:4px solid #fff;box-shadow:0 3px 8px rgba(250,133,79,.5)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:var(--orange);cursor:pointer;border:4px solid #fff}
.donut-wrap{display:flex;align-items:center;gap:22px}
.donut{width:148px;height:148px;flex-shrink:0}
.legend{display:grid;gap:12px}
.legend .li{display:flex;align-items:center;gap:9px;font-size:.85rem;color:rgba(255,255,255,.85)}
.legend .sw{width:13px;height:13px;border-radius:4px;flex-shrink:0}
.res-total{margin-top:24px;padding-top:20px;border-top:1px solid rgba(255,255,255,.14)}
.res-total .rk{font-size:.8rem;color:rgba(255,255,255,.65);text-transform:uppercase;letter-spacing:.1em}
.res-total .rv{font-size:2.2rem;font-weight:800;color:var(--orange);font-family:var(--f-head);line-height:1.1}
.res-note{font-size:.75rem;color:rgba(255,255,255,.5);margin-top:8px}
.calc-more{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:22px}
.calc-more a{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;display:flex;align-items:center;gap:12px;font-weight:700;font-size:.9rem;transition:.25s}
.calc-more a:hover{border-color:var(--orange);color:var(--orange-600);transform:translateY(-3px);box-shadow:var(--sh-1)}
.calc-more .cm-ic{width:36px;height:36px;border-radius:10px;background:var(--green-soft);color:var(--green);display:grid;place-items:center;flex-shrink:0}

/* ---------- timeline / about ---------- */
.about{background:linear-gradient(180deg,var(--cream),var(--peach-tint))}
.timeline{display:grid;margin-top:6px}
.tl{display:grid;grid-template-columns:auto 1fr;gap:20px;position:relative;padding-bottom:26px}
.tl:not(:last-child)::before{content:"";position:absolute;left:23px;top:44px;bottom:0;width:2px;background:var(--peach)}
.tl .yr{width:48px;height:48px;border-radius:50%;background:var(--navy);color:var(--orange);display:grid;place-items:center;font-weight:800;font-size:.74rem;z-index:2;font-family:var(--f-head)}
.tl h4{font-size:1.04rem;margin-bottom:4px}.tl p{font-size:.9rem;color:var(--muted)}
.about-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:32px;box-shadow:var(--sh-3)}
.about-card .q{font-family:var(--f-serif);font-style:italic;font-size:1.22rem;line-height:1.5;margin-bottom:18px}
.about-card .q::first-letter{font-size:2.3rem;color:var(--orange)}
.about-badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
.about-badges span{font-size:.75rem;font-weight:700;color:var(--green);background:var(--green-soft);padding:7px 13px;border-radius:var(--r-pill)}

/* leaders */
.leader{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;text-align:center;transition:.3s}
.leader:hover{transform:translateY(-6px);box-shadow:var(--sh-3)}
.leader .av{width:76px;height:76px;border-radius:50%;margin:0 auto 15px;display:grid;place-items:center;font-family:var(--f-head);font-weight:800;font-size:1.45rem;color:#fff;background:linear-gradient(135deg,var(--navy),var(--green))}
.leader:nth-child(3n) .av{background:linear-gradient(135deg,var(--orange),var(--navy))}
.leader:nth-child(3n+2) .av{background:linear-gradient(135deg,var(--green),var(--orange))}
.leader h4{font-size:1.02rem;margin-bottom:3px}.leader .role{font-size:.81rem;color:var(--orange-600);font-weight:600}

/* values */
.values{background:var(--navy);color:#fff}
.values .eyebrow{color:var(--orange)}
.val-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.value{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:24px;transition:.3s}
.value:hover{background:rgba(255,255,255,.09);transform:translateY(-4px);border-color:rgba(250,133,79,.4)}
.value .vic{width:44px;height:44px;border-radius:12px;background:rgba(250,133,79,.15);color:var(--orange);display:grid;place-items:center;margin-bottom:14px}
.value h4{color:#fff;font-size:1.01rem;margin-bottom:6px}.value p{color:rgba(255,255,255,.68);font-size:.85rem}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s}
.step{position:relative;padding:30px;background:#fff;border:1px solid var(--line);border-radius:var(--r);transition:.3s}
.step:hover{transform:translateY(-5px);box-shadow:var(--sh-3)}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--f-serif);font-size:2.5rem;color:var(--peach);font-weight:700;line-height:1;display:block;margin-bottom:12px}
.step h4{font-size:1.08rem;margin-bottom:7px}.step p{font-size:.9rem;color:var(--muted)}

/* testimonials */
.tsp{background:linear-gradient(180deg,var(--peach-tint),var(--cream))}
.t-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:var(--sh-1);transition:.3s;height:100%}
.t-card:hover{transform:translateY(-5px);box-shadow:var(--sh-3)}
.stars{color:var(--orange);margin-bottom:13px;letter-spacing:2px}
.t-card p{font-style:italic;font-family:var(--f-serif);font-size:.97rem;line-height:1.6;margin-bottom:18px}
.t-who{display:flex;align-items:center;gap:12px}
.t-who .av{width:44px;height:44px;border-radius:50%;background:var(--green-soft);color:var(--green);display:grid;place-items:center;font-weight:800}
.t-who .nm{font-weight:700;font-size:.91rem}.t-who .dt{font-size:.76rem;color:var(--muted)}

/* faq */
.faq-item{background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px;overflow:hidden;transition:.25s}
.faq-item.open{border-color:var(--orange);box-shadow:var(--sh-1)}
.faq-q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:16px;background:none;border:0;padding:20px 24px;font-family:var(--f-head);font-weight:700;font-size:1rem;color:var(--navy);cursor:pointer;text-align:left}
.faq-q .pm{width:26px;height:26px;flex-shrink:0;border-radius:50%;background:var(--peach-tint);color:var(--orange-600);display:grid;place-items:center;font-size:1.3rem;transition:.3s;line-height:1}
.faq-item.open .pm{background:var(--orange);color:#fff;transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:.35s ease}
.faq-a p{padding:0 24px 22px;color:var(--muted);font-size:.93rem}

/* CTA band */
.cta-band{background:radial-gradient(700px 300px at 80% -40%,rgba(250,133,79,.3),transparent 60%),linear-gradient(135deg,var(--navy),var(--navy-deep));color:#fff;border-radius:var(--r-xl);padding:clamp(36px,5vw,64px);text-align:center;position:relative;overflow:hidden}
.cta-band h2{color:#fff;font-size:var(--fs-h2);margin-bottom:14px}
.cta-band p{color:rgba(255,255,255,.78);max-width:560px;margin:0 auto 26px}
.cta-band .hero-cta{justify-content:center}

/* prose (legal pages) */
.prose{max-width:860px}
.prose h2{font-size:1.5rem;margin:34px 0 12px}
.prose h3{font-size:1.15rem;margin:24px 0 8px}
.prose p{color:#3f4a63;margin-bottom:14px;font-size:.97rem}
.prose ul,.prose ol{margin:0 0 16px 22px;color:#3f4a63}
.prose li{margin-bottom:8px;font-size:.96rem}
.prose a{color:var(--orange-600);font-weight:600;text-decoration:underline}
.prose .note{background:var(--peach-tint);border-left:3px solid var(--orange);border-radius:10px;padding:16px 18px;font-size:.9rem;color:var(--navy);margin:18px 0}
.prose strong{color:var(--navy)}

/* tables */
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh-1)}
.tbl th,.tbl td{padding:14px 18px;text-align:left;font-size:.92rem;border-bottom:1px solid var(--line)}
.tbl th{background:var(--navy);color:#fff;font-family:var(--f-head);font-size:.82rem;letter-spacing:.03em}
.tbl tr:last-child td{border-bottom:0}
.tbl tr:nth-child(even) td{background:var(--cream)}
.tbl td .muted{color:var(--muted);font-size:.84rem}

/* contact */
.contact{background:var(--navy-deep);color:#fff}
.contact .eyebrow{color:var(--orange)}
.c-block{display:flex;gap:16px;margin-bottom:22px}
.c-block .c-ic{width:46px;height:46px;flex-shrink:0;border-radius:12px;background:rgba(250,133,79,.15);color:var(--orange);display:grid;place-items:center}
.c-block h4{color:#fff;font-size:1rem;margin-bottom:5px}
.c-block p,.c-block a{color:rgba(255,255,255,.72);font-size:.9rem;line-height:1.6;display:block}
.c-block a:hover{color:var(--orange)}
.form-card{background:#fff;border-radius:var(--r-lg);padding:32px;box-shadow:var(--sh-4)}
.form-card h3{font-size:1.4rem;margin-bottom:6px}
.form-card p.fp{color:var(--muted);font-size:.9rem;margin-bottom:20px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.inp{margin-bottom:15px}
.inp label{display:block;font-size:.82rem;font-weight:600;margin-bottom:6px}
.inp input,.inp select,.inp textarea{width:100%;padding:13px 15px;border:1.5px solid var(--line-2);border-radius:12px;font-family:var(--f-body);font-size:.92rem;color:var(--navy);background:var(--cream);transition:.2s}
.inp input:focus,.inp select:focus,.inp textarea:focus{outline:none;border-color:var(--orange);background:#fff;box-shadow:0 0 0 4px rgba(250,133,79,.12)}
.form-note{font-size:.74rem;color:var(--muted);margin-top:12px;text-align:center}
.map-embed{border:0;width:100%;height:280px;border-radius:var(--r);box-shadow:var(--sh-2);margin-top:22px}

/* ---------- footer ---------- */
.footer{background:var(--navy);color:rgba(255,255,255,.72);font-size:.88rem}
.foot-top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px;padding:60px 0 40px}
.foot-brand .brand-name{color:#fff}
.foot-about{margin:16px 0;max-width:320px;color:rgba(255,255,255,.6);font-size:.85rem;line-height:1.7}
.foot-ex{display:flex;gap:8px;flex-wrap:wrap}
.foot-ex span{font-size:.7rem;font-weight:700;color:#fff;background:rgba(255,255,255,.08);padding:5px 11px;border-radius:var(--r-pill)}
.foot-col h5{color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:15px}
.foot-col ul{list-style:none;display:grid;gap:9px}
.foot-col a{color:rgba(255,255,255,.66);font-size:.85rem;transition:.2s}
.foot-col a:hover{color:var(--orange);padding-left:4px}
.foot-quick{display:flex;flex-wrap:wrap;gap:8px 18px;padding:20px 0;border-top:1px solid rgba(255,255,255,.1);border-bottom:1px solid rgba(255,255,255,.1)}
.foot-quick a{font-size:.78rem;color:rgba(255,255,255,.6)}.foot-quick a:hover{color:var(--orange)}
.disclosure{padding:8px 0}
.disclosure summary{cursor:pointer;font-weight:700;color:#fff;font-size:.9rem;padding:16px 0;list-style:none;display:flex;align-items:center;gap:8px}
.disclosure summary::-webkit-details-marker{display:none}
.disclosure summary::before{content:"▸";color:var(--orange);transition:.2s;font-size:.8rem}
.disclosure[open] summary::before{transform:rotate(90deg)}
.disclosure .dbody{font-size:.73rem;color:rgba(255,255,255,.5);line-height:1.75;padding:6px 0 16px;max-width:none}
.disclosure .dbody h6{color:rgba(255,255,255,.82);font-size:.76rem;font-family:var(--f-head);margin:14px 0 5px;letter-spacing:.02em}
.disclosure .dbody p{margin-bottom:10px}
.reg-line{font-size:.74rem;color:rgba(255,255,255,.6);padding:16px 0;border-top:1px solid rgba(255,255,255,.1);line-height:1.8}
.copyright{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;padding:20px 0;border-top:1px solid rgba(255,255,255,.1);font-size:.78rem;color:rgba(255,255,255,.5)}

/* float actions */
.float-rm{position:fixed;bottom:22px;right:22px;z-index:70;display:flex;flex-direction:column;gap:12px;align-items:flex-end}
.fab{width:54px;height:54px;border-radius:50%;display:grid;place-items:center;box-shadow:var(--sh-3);cursor:pointer;border:0;transition:.25s;color:#fff}
.fab:hover{transform:scale(1.08)}
.fab.wa{background:#25D366}
.fab.call{background:var(--green-deep)}
.fab.top{background:var(--navy);opacity:0;visibility:hidden}
.fab.top.show{opacity:1;visibility:visible}
.fab svg{width:25px;height:25px}

/* reveal */
.reveal{opacity:0;transform:translateY(26px);transition:.7s cubic-bezier(.2,.7,.3,1)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.alert-track{animation:none}}

/* responsive */
@media(max-width:1024px){
  .hero-grid,.split,.about-grid,.contact-grid{grid-template-columns:1fr;gap:40px}
  .g4,.pillars,.svc-grid,.val-grid{grid-template-columns:repeat(2,1fr)}
  .stats-grid{grid-template-columns:repeat(2,1fr);gap:34px 20px}
  .stat:nth-child(2)::after{display:none}
  .calc-body{grid-template-columns:1fr}
  .foot-top{grid-template-columns:1fr 1fr}
  .nav-links,.util{display:none}
  .nav-cta .desk{display:none}
  .burger{display:flex}
}
@media(max-width:640px){
  .g2,.g3,.g4,.pillars,.svc-grid,.val-grid,.steps,.calc-more,.feature-list,.form-row,.foot-top,.mini-stats{grid-template-columns:1fr}
  .stats-grid{grid-template-columns:1fr 1fr}
  .calc-inputs,.calc-result,.calc-tabs{padding:22px}
  .copyright{flex-direction:column}
  .about-grid,.contact-grid{gap:32px}
}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.about-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:56px;align-items:center}

/* ============================================================
   V3 UPGRADE — imagery, richer hovers, new components
   ============================================================ */

/* scroll progress bar */
.progress{position:fixed;top:0;left:0;height:3px;width:0;background:linear-gradient(90deg,var(--orange),var(--green));z-index:200;transition:width .1s}

/* image media wrapper (zoom on hover, graceful fallback) */
.media{position:relative;overflow:hidden;border-radius:var(--r);background:linear-gradient(150deg,var(--navy),var(--green-deep));box-shadow:var(--sh-2)}
.media img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .7s cubic-bezier(.2,.7,.3,1),opacity .4s}
.media:hover img{transform:scale(1.07)}
.media .cap{position:absolute;left:0;right:0;bottom:0;padding:20px;background:linear-gradient(0deg,rgba(18,31,54,.86),transparent);color:#fff;transform:translateY(6px);transition:.3s}
.media:hover .cap{transform:translateY(0)}
.media .cap h4{color:#fff;font-size:1.05rem}
.media .cap p{color:rgba(255,255,255,.8);font-size:.82rem}
.ratio-16x9{aspect-ratio:16/9}.ratio-4x3{aspect-ratio:4/3}.ratio-1x1{aspect-ratio:1/1}.ratio-3x4{aspect-ratio:3/4}
.rounded{border-radius:var(--r-lg)}
.img-badge{position:absolute;top:14px;left:14px;background:rgba(253,247,242,.92);color:var(--navy);font-weight:700;font-size:.74rem;padding:6px 12px;border-radius:100px;box-shadow:var(--sh-1);z-index:2}

/* image card (photo on top of a card) */
.icard{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:var(--sh-1);transition:.35s cubic-bezier(.2,.7,.3,1);display:flex;flex-direction:column}
.icard .media{border-radius:0;height:190px;box-shadow:none}
.icard-body{padding:24px;flex:1;display:flex;flex-direction:column}
.icard h3{font-size:1.12rem;margin-bottom:8px}
.icard p{color:var(--muted);font-size:.92rem;flex:1}
.icard .more{margin-top:14px;font-weight:700;color:var(--orange-600);font-size:.86rem;display:inline-flex;align-items:center;gap:6px;transition:.25s}
.icard:hover{transform:translateY(-8px);box-shadow:var(--sh-4);border-color:var(--orange-soft)}
.icard:hover .more{gap:12px}
.icard:hover .media img{transform:scale(1.08)}

/* ===== hero with photo ===== */
.hero-shell{position:relative;overflow:hidden;background:linear-gradient(160deg,var(--navy),var(--navy-deep))}
.hero-bg{position:absolute;inset:0;z-index:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;opacity:.34}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(115deg,var(--navy-deep) 32%,rgba(18,31,54,.72) 55%,rgba(18,31,54,.32))}
.hero-shell .container{position:relative;z-index:2}
.hero-shell .hero-grid{padding:clamp(52px,7vw,104px) 0}
.hero-shell .hero-tag{color:#ffd9c2}
.hero-shell h1{color:#fff}
.hero-shell h1 .n{color:#fff}
.hero-shell .hero-sub{color:rgba(255,255,255,.82)}
.hero-shell .trust-strip .lbl{color:rgba(255,255,255,.6)}
.hero-shell .reg-chips span{background:rgba(255,255,255,.1);color:#fff;border-color:rgba(255,255,255,.18)}
.hero-badges{display:flex;gap:22px;flex-wrap:wrap;margin-top:6px}
.hero-badge{display:flex;align-items:center;gap:10px;color:#fff;font-weight:700;font-size:.95rem}
.hero-badge .hb-ic{width:38px;height:38px;border-radius:10px;background:rgba(250,133,79,.22);color:var(--orange);display:grid;place-items:center}
.hero-badge small{display:block;color:rgba(255,255,255,.6);font-weight:500;font-size:.74rem}
/* floating chips on hero card */
.floaty{position:absolute;background:#fff;border-radius:14px;box-shadow:var(--sh-4);padding:12px 15px;display:flex;align-items:center;gap:10px;z-index:3;animation:float 5s ease-in-out infinite}
.floaty .fi{width:34px;height:34px;border-radius:9px;display:grid;place-items:center;color:#fff}
.floaty .lab{font-size:.7rem;color:var(--muted)}
.floaty .num{font-weight:800;color:var(--navy);font-size:.95rem;font-family:var(--f-head)}
.floaty.a{top:8%;right:-14px;animation-delay:.2s}
.floaty.b{bottom:12%;left:-18px;animation-delay:1.4s}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}

/* product chip row (dhan-style) */
.chiprow{display:flex;gap:12px;flex-wrap:wrap;justify-content:center}
.mchip{display:inline-flex;align-items:center;gap:9px;background:#fff;border:1px solid var(--line);border-radius:100px;padding:11px 18px;font-weight:700;font-size:.9rem;color:var(--navy);box-shadow:var(--sh-1);transition:.25s}
.mchip .mci{width:26px;height:26px;border-radius:7px;background:var(--peach-tint);color:var(--orange-600);display:grid;place-items:center}
.mchip:hover{transform:translateY(-4px);border-color:var(--orange);color:var(--orange-600);box-shadow:var(--sh-2)}
.mchip:hover .mci{background:var(--orange);color:#fff}

/* trust/logo marquee */
.trust-marquee{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff;overflow:hidden;padding:20px 0}
.tm-track{display:flex;gap:56px;align-items:center;width:max-content;animation:marq 28s linear infinite}
.tm-track .tm{font-family:var(--f-head);font-weight:800;font-size:1.15rem;color:var(--navy);opacity:.5;letter-spacing:.06em;white-space:nowrap;transition:.25s}
.tm-track .tm:hover{opacity:1;color:var(--orange-600)}
.trust-marquee:hover .tm-track{animation-play-state:paused}

/* "built for" dual cards */
.builtfor{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.bf{position:relative;overflow:hidden;border-radius:var(--r-lg);min-height:300px;display:flex;flex-direction:column;justify-content:flex-end;padding:32px;color:#fff;box-shadow:var(--sh-3)}
.bf .media{position:absolute;inset:0;border-radius:0}
.bf .media::after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(18,31,54,.92),rgba(18,31,54,.35))}
.bf-content{position:relative;z-index:2}
.bf .k{font-family:var(--f-serif);font-style:italic;color:#ffd9c2;font-size:.95rem}
.bf h3{color:#fff;font-size:1.5rem;margin:6px 0 10px}
.bf p{color:rgba(255,255,255,.82);font-size:.92rem;margin-bottom:16px}
.bf:hover .media img{transform:scale(1.06)}

/* device mockup */
.device{position:relative;width:270px;margin:0 auto;background:#0e1626;border-radius:38px;padding:12px;box-shadow:var(--sh-4);border:1px solid rgba(255,255,255,.08)}
.device::before{content:"";position:absolute;top:16px;left:50%;transform:translateX(-50%);width:90px;height:20px;background:#0e1626;border-radius:0 0 14px 14px;z-index:3}
.device-screen{border-radius:28px;overflow:hidden;aspect-ratio:9/19;background:linear-gradient(160deg,var(--navy),var(--navy-deep))}
.device-screen img{width:100%;height:100%;object-fit:cover}

/* facts strip */
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.fact{background:#fff;padding:26px 22px;text-align:center;transition:.25s}
.fact:hover{background:var(--peach-tint)}
.fact .fv{font-family:var(--f-head);font-weight:800;font-size:1.8rem;color:var(--orange-600);line-height:1}
.fact .fl{font-size:.84rem;color:var(--muted);margin-top:7px}

/* split with media */
.split-media img{border-radius:var(--r-lg)}

/* comparison / featured table */
.tbl .feat-col{background:var(--peach-tint)!important;font-weight:700}
.tbl td.tick{color:var(--green);font-weight:800}
.tbl td.cross{color:var(--muted-2)}

/* testimonial avatar image */
.t-who .av{overflow:hidden}
.t-who .av img{width:100%;height:100%;object-fit:cover}

/* dot-grid section accent */
.dotgrid{background-image:radial-gradient(var(--line-2) 1.2px,transparent 1.2px);background-size:22px 22px}

/* pill list */
.pills{display:flex;flex-wrap:wrap;gap:10px}
.pill{background:#fff;border:1px solid var(--line);border-radius:100px;padding:9px 16px;font-weight:600;font-size:.86rem;color:var(--navy);transition:.25s}
.pill:hover{border-color:var(--orange);color:var(--orange-600);transform:translateY(-2px)}

/* ===== stronger, more obvious hovers (overrides) ===== */
.card{transition:.35s cubic-bezier(.2,.7,.3,1)}
.card::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--orange),var(--green));transform:scaleX(0);transform-origin:left;transition:transform .35s}
.card:hover::before{transform:scaleX(1)}
.card:hover{transform:translateY(-8px)}
.card:hover .ic{background:var(--orange);color:#fff;transform:rotate(-6deg) scale(1.06)}
.card .ic{transition:.35s}
.pillar:hover .p-ic{background:var(--orange);transform:translateY(-3px) rotate(-6deg)}
.pillar .p-ic{transition:.35s}
.value:hover .vic{transform:scale(1.1) rotate(-6deg)}
.value .vic{transition:.35s}
.leader:hover .av{transform:scale(1.07)}
.leader .av{transition:.35s}
.feat:hover .f-ic{background:var(--orange);color:#fff}
.feat .f-ic{transition:.3s}

/* button shine */
.btn-primary{position:relative;overflow:hidden}
.btn-primary::after{content:"";position:absolute;top:0;left:-120%;width:60%;height:100%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.4),transparent);transform:skewX(-20deg);transition:left .6s}
.btn-primary:hover::after{left:130%}

/* nav underline animation */
.nav-links a.top{position:relative}
.nav-links a.top::after{content:"";position:absolute;left:13px;right:13px;bottom:6px;height:2px;background:var(--orange);transform:scaleX(0);transform-origin:left;transition:transform .25s}
.nav-links a.top:hover::after,.nav-links a.top.active::after{transform:scaleX(1)}

/* section heading kicker line */
.split .media,.about-card,.hero-card{will-change:transform}

/* content prose images */
.prose img{border-radius:var(--r);margin:18px 0;box-shadow:var(--sh-2)}

/* icon-size safety net (prevents unstyled inline SVGs ballooning) */
.mchip .mci svg{width:15px;height:15px}
.hero-badge .hb-ic svg{width:20px;height:20px}
.floaty .fi svg{width:18px;height:18px}

/* aligned check-list used on product/service pages */
.ticklist{list-style:none;display:grid;gap:12px;margin-top:20px}
.ticklist li{display:flex;gap:12px;align-items:flex-start;font-size:.96rem;color:#3f4a63;font-weight:500;line-height:1.5}
.ticklist li .tk-ic{flex:0 0 26px;width:26px;height:26px;border-radius:8px;background:var(--green-soft);color:var(--green);display:grid;place-items:center;margin-top:1px}
.ticklist li .tk-ic svg{width:15px;height:15px}
.ticklist li span:last-child{flex:1}

/* "know the essentials" cards */
.know .card h3{display:flex;align-items:center;gap:10px}
.know .card .kc{width:40px;height:40px;flex:0 0 40px;border-radius:10px;background:var(--peach-tint);color:var(--orange-600);display:grid;place-items:center}
.know .card .kc svg{width:20px;height:20px}

/* equal-height split so the media image aligns with copy */
.split{align-items:stretch}
.split>.reveal:last-child .media{height:100%;min-height:320px}
.split .media.ratio-4x3{aspect-ratio:auto}

/* responsive additions */
@media(max-width:1024px){
  .builtfor{grid-template-columns:1fr}
  .facts{grid-template-columns:repeat(2,1fr)}
  .floaty{display:none}
  .split>.reveal:last-child .media{min-height:260px}
}

/* ============================================================
   V4 — pcjholdings.in LIGHT peach/cream palette + 3D / lively
   (keeps brand background; real app screenshots; depth & motion)
   ============================================================ */

/* --- gradient text + soft blobs --- */
.gt{background:linear-gradient(90deg,var(--orange),var(--green));-webkit-background-clip:text;background-clip:text;color:transparent}
.blob{position:absolute;border-radius:50%;filter:blur(70px);opacity:.55;z-index:0;pointer-events:none}
.blob.o{background:rgba(250,133,79,.5)}.blob.g{background:rgba(19,134,99,.32)}.blob.p{background:rgba(250,196,163,.7)}
section{position:relative}
.container{position:relative;z-index:1}

/* --- 3D phone device --- */
.device{background:#0b1220;border:2px solid #1c2740;box-shadow:0 40px 80px -30px rgba(18,31,54,.6),0 8px 22px -10px rgba(18,31,54,.4)}
.device.d3d{transform:perspective(1700px) rotateY(-15deg) rotateX(6deg);transition:transform .6s cubic-bezier(.2,.7,.3,1)}
.device.d3d:hover{transform:perspective(1700px) rotateY(-4deg) rotateX(2deg)}
.device-screen{aspect-ratio:9/19.3}
.device-screen img{width:100%;height:100%;object-fit:cover;display:block}
.phones{display:flex;justify-content:center;align-items:center;gap:0;perspective:1800px}
.phones .device{width:216px}
.phones .device:nth-child(1){transform:perspective(1700px) rotateY(18deg) translateX(28px) scale(.9);z-index:1;opacity:.96}
.phones .device:nth-child(2){transform:perspective(1700px) rotateY(0) translateY(-14px) scale(1.02);z-index:3}
.phones .device:nth-child(3){transform:perspective(1700px) rotateY(-18deg) translateX(-28px) scale(.9);z-index:1;opacity:.96}
.phones .device{transition:transform .6s cubic-bezier(.2,.7,.3,1)}
.phones:hover .device:nth-child(1){transform:perspective(1700px) rotateY(10deg) translateX(10px) scale(.94)}
.phones:hover .device:nth-child(3){transform:perspective(1700px) rotateY(-10deg) translateX(-10px) scale(.94)}

/* --- generic 3D tilt (JS-driven) --- */
.tilt{transform-style:preserve-3d;transition:transform .2s ease-out,box-shadow .3s}
.tilt .tilt-inner{transform:translateZ(28px)}

/* --- glass card --- */
.glass{background:rgba(255,255,255,.72);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.8);box-shadow:var(--sh-3)}

/* ===== HERO → light ===== */
.hero-shell{background:radial-gradient(1100px 520px at 84% -12%,rgba(250,196,163,.7),transparent 60%),radial-gradient(720px 420px at 2% 4%,rgba(19,134,99,.12),transparent 55%),linear-gradient(180deg,var(--peach-tint),var(--cream) 82%)}
.hero-shell .hero-bg{display:none}
.hero-shell .hero-tag{color:var(--navy)}
.hero-shell h1,.hero-shell h1 .n{color:var(--navy)}
.hero-shell .hero-sub{color:#41506c}
.hero-shell .hero-badge{color:var(--navy)}
.hero-shell .hero-badge small{color:var(--muted)}
.hero-shell .hero-badge .hb-ic{background:var(--navy);color:var(--orange)}
.hero-shell .btn-outline-light{color:var(--navy);border-color:var(--navy)}
.hero-shell .btn-outline-light:hover{background:var(--navy);color:#fff}
.hero-shell .reg-chips span{background:#fff;color:var(--navy);border-color:var(--line)}
.hero-visual .device{width:250px;margin-inline:auto}
.floaty{background:rgba(255,255,255,.85);backdrop-filter:blur(10px)}

/* ===== interior page banner → light ===== */
.pbanner{background:radial-gradient(900px 420px at 86% -24%,rgba(250,196,163,.75),transparent 62%),radial-gradient(600px 340px at 0 10%,rgba(19,134,99,.12),transparent 60%),linear-gradient(180deg,var(--peach-tint),var(--cream));color:var(--navy)}
.pbanner::after{background:radial-gradient(circle,rgba(250,133,79,.18),transparent 70%)}
.pbanner-bg{display:none}
.pbanner .crumbs{color:var(--muted)}
.pbanner .crumbs a{color:var(--muted)}.pbanner .crumbs a:hover{color:var(--orange-600)}
.pbanner .eyebrow{color:var(--orange-600)}
.pbanner h1{color:var(--navy)}
.pbanner p{color:#41506c}
.pbanner .btn-outline-light{color:var(--navy);border-color:var(--navy)}
.pbanner .btn-outline-light:hover{background:var(--navy);color:#fff}

/* ===== stats band → light ===== */
.stats{background:radial-gradient(700px 300px at 50% 120%,rgba(250,196,163,.5),transparent 60%),linear-gradient(180deg,#fff,var(--cream))}
.stats .num{color:var(--navy)}
.stats .num .u{color:var(--orange)}
.stats .cap{color:var(--muted)}
.stats .stat:not(:last-child)::after{background:rgba(29,47,79,.12)}

/* ===== values → light ===== */
.values{background:radial-gradient(760px 340px at 12% -10%,rgba(250,196,163,.55),transparent 60%),linear-gradient(180deg,var(--cream),#fff)}
.values .eyebrow{color:var(--orange-600)!important}
.values .h2{color:var(--navy)!important}
.values .value{background:#fff;border:1px solid var(--line);box-shadow:var(--sh-1)}
.values .value:hover{background:var(--peach-tint);border-color:var(--orange-soft)}
.values .value h4{color:var(--navy)}
.values .value p{color:var(--muted)}
.values .value .vic{background:var(--peach-tint);color:var(--orange-600)}

/* ===== contact → light ===== */
.contact{background:radial-gradient(700px 320px at 88% -20%,rgba(250,196,163,.6),transparent 60%),linear-gradient(180deg,var(--cream),var(--peach-tint));color:var(--navy)}
.contact .eyebrow{color:var(--orange-600)}
.contact .c-block h4{color:var(--navy)}
.contact .c-block p,.contact .c-block a{color:var(--muted)}
.contact .c-block a:hover{color:var(--orange-600)}
.contact .c-ic{background:#fff;color:var(--orange-600);box-shadow:var(--sh-1)}

/* ===== app-mock → light frame ===== */
.app-mock{background:#0b1220;border:1px solid #1c2740}

/* ===== CTA band → lively orange ===== */
.cta-band{background:radial-gradient(600px 280px at 82% -40%,rgba(255,255,255,.28),transparent 60%),linear-gradient(135deg,var(--orange),var(--orange-600) 70%,#e2662f)}
.cta-band::after{content:"";position:absolute;width:260px;height:260px;border-radius:50%;background:rgba(19,134,99,.28);filter:blur(50px);bottom:-120px;left:-60px}
.cta-band p{color:rgba(255,255,255,.92)}
.cta-band .btn-primary{background:#fff;color:var(--orange-600)}
.cta-band .btn-primary:hover{background:var(--navy);color:#fff}
.cta-band .btn-outline-light{border-color:rgba(255,255,255,.75);color:#fff}
.cta-band .btn-outline-light:hover{background:#fff;color:var(--orange-600)}

/* ===== app screens gallery caption ===== */
.screengrid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.screengrid .shot{border-radius:20px;overflow:hidden;background:#0b1220;border:2px solid #1c2740;box-shadow:var(--sh-3);transition:.4s cubic-bezier(.2,.7,.3,1)}
.screengrid .shot img{width:100%;display:block}
.screengrid .shot:hover{transform:translateY(-10px) scale(1.03);box-shadow:var(--sh-4)}

/* media becomes a phone-friendly dark panel when holding app shots */
.media.appshot{background:#0b1220}
.media.appshot img{object-fit:contain}

/* eyebrow reveal color safety on light values/contact */
/* built-for cards with a phone */
.builtfor .card{padding:30px;text-align:center}
.builtfor .card .device{width:200px;margin:0 auto 20px}
.builtfor .card h3{font-size:1.4rem;margin:4px 0 10px}
.builtfor .card p{color:var(--muted);margin-bottom:18px}
/* product education media as app phone */
.split .device{width:100%;max-width:250px;margin:0 auto}
.split .devwrap{display:flex;justify-content:center;align-items:center;height:100%}

@media(max-width:900px){ .phones .device{width:150px} .screengrid{grid-template-columns:repeat(3,1fr)} }
@media(max-width:560px){ .screengrid{grid-template-columns:repeat(2,1fr)} .hero-visual .device{width:210px} }

/* ============================================================
   V5 — cinematic 3D / live HOME
   ============================================================ */
.hx-hero{position:relative;overflow:hidden;background:linear-gradient(180deg,var(--peach-tint),var(--cream) 82%);min-height:94vh;display:flex;align-items:center}
.hx-mesh{position:absolute;inset:-10%;z-index:0;background:
  radial-gradient(38% 40% at 16% 22%, rgba(250,133,79,.30), transparent 60%),
  radial-gradient(46% 46% at 86% 14%, rgba(250,196,163,.55), transparent 62%),
  radial-gradient(50% 50% at 78% 88%, rgba(19,134,99,.20), transparent 60%),
  radial-gradient(40% 40% at 8% 92%, rgba(250,133,79,.16), transparent 60%);
  filter:blur(8px);animation:meshmove 20s ease-in-out infinite alternate}
@keyframes meshmove{0%{transform:scale(1) translate(0,0)}100%{transform:scale(1.12) translate(-2%,-3%)}}
.hx-hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;width:100%;padding:70px 0}
.hx-hero h1{font-size:clamp(2.6rem,2rem+3.6vw,4.7rem);line-height:1.02;letter-spacing:-.03em;margin:12px 0 18px}
.hx-scene{position:relative;height:540px;perspective:1400px;transform-style:preserve-3d}
.hx-scene .device{position:absolute;left:50%;top:50%;width:272px;transform:translate(-50%,-50%) perspective(1400px) rotateY(-16deg) rotateX(6deg);transition:transform .15s ease-out;box-shadow:0 60px 100px -40px rgba(18,31,54,.6)}
.hx-glass{position:absolute;z-index:5;background:rgba(255,255,255,.82);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,.9);border-radius:16px;box-shadow:var(--sh-4);padding:13px 16px;display:flex;gap:11px;align-items:center;transition:transform .2s ease-out}
.hx-glass .gi{width:38px;height:38px;flex:0 0 38px;border-radius:10px;display:grid;place-items:center;color:#fff}
.hx-glass .gi svg{width:19px;height:19px}
.hx-glass .lab{font-size:.7rem;color:var(--muted);display:block}
.hx-glass .num{font-weight:800;font-family:var(--f-head);color:var(--navy);font-size:.92rem}
.hx-g1{top:4%;left:-3%}.hx-g2{bottom:8%;right:-4%}.hx-g3{top:46%;right:4%}
.hx-cue{position:absolute;bottom:20px;left:50%;transform:translateX(-50%);z-index:2;color:var(--muted);font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;display:flex;flex-direction:column;align-items:center;gap:8px}
.hx-cue .dotline{width:1px;height:34px;background:linear-gradient(var(--orange),transparent);animation:cue 1.6s ease-in-out infinite}
@keyframes cue{0%,100%{opacity:.3;transform:scaleY(.6)}50%{opacity:1;transform:scaleY(1)}}
.magnetic{will-change:transform;transition:transform .25s cubic-bezier(.2,.7,.3,1)}
/* product universe */
.universe{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.ucard{position:relative;background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;box-shadow:var(--sh-1);transition:.32s cubic-bezier(.2,.7,.3,1);overflow:hidden}
.ucard::before{content:"";position:absolute;inset:0;background:linear-gradient(160deg,rgba(250,196,163,.25),transparent 60%);opacity:0;transition:.3s}
.ucard .uic{width:48px;height:48px;border-radius:13px;background:var(--peach-tint);color:var(--orange-600);display:grid;place-items:center;margin-bottom:14px;transition:.3s;position:relative;z-index:1}
.ucard h4{font-size:1.06rem;margin-bottom:5px;position:relative;z-index:1}
.ucard p{font-size:.84rem;color:var(--muted);position:relative;z-index:1}
.ucard::after{content:"→";position:absolute;top:24px;right:24px;color:var(--orange);opacity:0;transform:translateX(-6px);transition:.3s;font-weight:700;z-index:1}
.ucard:hover{transform:translateY(-9px);box-shadow:var(--sh-4);border-color:var(--orange-soft)}
.ucard:hover::before{opacity:1}
.ucard:hover .uic{background:var(--orange);color:#fff;transform:rotate(-8deg) scale(1.08)}
.ucard:hover::after{opacity:1;transform:translateX(0)}
@media(max-width:1024px){.hx-hero-grid{grid-template-columns:1fr;gap:32px}.hx-scene{height:460px;order:-1}.universe{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.hx-hero{min-height:auto}.hx-scene{height:410px}.hx-scene .device{width:220px}.hx-glass{display:none}.universe{grid-template-columns:1fr 1fr}}
@media(max-width:640px){
  .facts{grid-template-columns:1fr 1fr}
  .device{width:230px}
}

/* ---------- two-column split (wealth desk) ---------- */
.split-2{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(28px,4vw,56px);align-items:center}
@media(max-width:900px){.split-2{grid-template-columns:1fr}}


/* ---------- form status ---------- */
.form-status{margin-top:14px;font-size:.9rem;font-weight:600;display:none}
.form-status.ok{display:block;color:var(--green)}
.form-status.err{display:block;color:#c0392b}

/* ---------- calculator extras ---------- */
.cinp{width:100%;padding:12px 14px;border:1.5px solid var(--line-2);border-radius:12px;font-family:var(--f-body);font-size:.92rem;color:var(--navy);background:var(--cream);transition:.2s}
.cinp:focus{outline:none;border-color:var(--orange);background:#fff;box-shadow:0 0 0 4px rgba(250,133,79,.12)}
.cgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}
@media(max-width:640px){.cgrid{grid-template-columns:1fr}}
.calc-fine{font-size:.78rem;color:var(--muted);line-height:1.55;margin-top:4px}

/* ---------- app download band ---------- */
.appdl{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(26px,4vw,54px);align-items:center;background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%);border-radius:var(--r-xl,24px);padding:clamp(28px,4vw,54px);color:#fff}
.appdl h2{color:#fff;margin-bottom:10px}
.appdl p{color:#c8d2e4}
.store-badges{display:flex;gap:14px;flex-wrap:wrap;margin-top:22px}
.store-badge{display:flex;align-items:center;gap:11px;background:#000;border:1px solid rgba(255,255,255,.25);color:#fff;border-radius:12px;padding:10px 18px;text-decoration:none;transition:.2s}
.store-badge:hover{transform:translateY(-2px);border-color:var(--orange)}
.store-badge svg{width:26px;height:26px;fill:#fff}
.store-badge small{display:block;font-size:.62rem;opacity:.75;letter-spacing:.4px;text-transform:uppercase}
.store-badge b{font-size:.98rem;font-family:var(--f-head)}
.qr-row{display:flex;gap:18px;justify-content:center}
.qr-card{background:#fff;border-radius:16px;padding:14px;text-align:center}
.qr-card img{width:132px;height:132px;display:block}
.qr-card span{display:block;margin-top:8px;font-size:.72rem;font-weight:700;color:var(--navy);letter-spacing:.4px;text-transform:uppercase}
@media(max-width:860px){.appdl{grid-template-columns:1fr}.qr-row{justify-content:flex-start}}

/* ---------- distributor disclosure card ---------- */
.dist-note{background:var(--peach-tint);border:1px solid var(--line-2);border-left:5px solid var(--orange);border-radius:var(--r-lg,18px);padding:clamp(22px,3vw,34px)}
.dist-note h3{margin-bottom:10px}
.dist-note>p{color:var(--muted)}
.dist-note ul{margin:14px 0 6px 18px;display:grid;gap:9px}
.dist-note li{color:var(--muted);font-size:.93rem;line-height:1.6}
.dist-note li b{color:var(--navy)}
.dist-fine{font-size:.8rem;margin-top:12px;opacity:.85}
.wd-fine{margin-top:26px;text-align:center;font-size:.8rem;color:#9fb0cc}

/* ---------- accessibility widget ---------- */
.skip-link{position:absolute;left:-9999px;top:0;z-index:2000;background:var(--navy);color:#fff;padding:11px 20px;font-weight:700;border-radius:0 0 12px 0;text-decoration:none}
.skip-link:focus{left:0}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,[tabindex]:focus-visible{outline:3px solid var(--orange);outline-offset:2px;border-radius:4px}
.acc-fab{position:fixed;left:22px;bottom:26px;z-index:965;width:52px;height:52px;border-radius:50%;background:var(--navy);color:#fff;border:2px solid #fff;display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 10px 26px -8px rgba(18,31,54,.5);transition:transform .2s}
.acc-fab:hover{transform:scale(1.08)}
.acc-fab svg{width:28px;height:28px;fill:#fff}
.acc-panel{position:fixed;left:22px;bottom:90px;z-index:966;width:380px;max-width:calc(100vw - 44px);max-height:70vh;overflow:auto;background:#fff;border:1px solid var(--line-2);border-radius:16px;box-shadow:0 24px 60px -20px rgba(18,31,54,.45);padding:18px;display:none}
.acc-panel.open{display:block}
.acc-panel h3{font-size:1rem;margin-bottom:4px;color:var(--navy)}
.acc-panel .acc-note{font-size:.72rem;color:var(--muted);margin-bottom:12px}
.acc-row{display:flex;gap:8px;margin-bottom:10px}
.acc-row .acc-sz{flex:1;padding:9px 0;border:1.5px solid var(--line-2);border-radius:10px;background:var(--cream);font-weight:800;cursor:pointer;font-size:.95rem;color:var(--navy)}
.acc-tgl{display:flex;align-items:center;justify-content:space-between;width:100%;padding:10px 12px;margin-bottom:8px;border:1.5px solid var(--line-2);border-radius:10px;background:var(--cream);cursor:pointer;font-size:.86rem;font-weight:600;color:var(--navy);text-align:left}
.acc-tgl[aria-pressed="true"]{border-color:var(--orange);background:var(--peach-tint)}
.acc-tgl .dot{width:12px;height:12px;border-radius:50%;background:var(--line-2);flex:0 0 12px;margin-left:10px}
.acc-tgl[aria-pressed="true"] .dot{background:var(--green)}
.acc-reset{width:100%;padding:10px;border:none;border-radius:10px;background:var(--navy);color:#fff;font-weight:700;cursor:pointer;margin-top:4px}
@media(max-width:640px){.acc-fab{left:14px;bottom:20px;width:48px;height:48px}.acc-panel{left:14px;bottom:80px}}
/* effects — filters applied to direct children of body so fixed elements keep working */
html.acc-contrast body>*:not(.acc-widget){filter:contrast(1.25)}
html.acc-gray body>*:not(.acc-widget){filter:grayscale(1)}
html.acc-invert body>*:not(.acc-widget){filter:invert(1) hue-rotate(180deg);background:#0b1526}
html.acc-invert img,html.acc-invert video,html.acc-invert .device-screen,html.acc-invert .qr-card img{filter:invert(1) hue-rotate(180deg)}
html.acc-links a{text-decoration:underline!important}
html.acc-links main a{background:#ffef9e!important;color:#1d2f4f!important}
html.acc-font body,html.acc-font body *{font-family:Arial,Helvetica,sans-serif!important}
html.acc-font p,html.acc-font li{line-height:1.85!important;letter-spacing:.2px}
html.acc-pause *,html.acc-pause *::before,html.acc-pause *::after{animation-play-state:paused!important;transition:none!important}
html.acc-pause .reveal{opacity:1!important;transform:none!important}

/* ---------- accessibility widget v2 ---------- */
.acc-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:8px}
.acc-tile{border:1.5px solid var(--line-2);border-radius:10px;background:var(--cream);cursor:pointer;font-size:.75rem;font-weight:700;color:var(--navy);padding:10px 6px;text-align:center}
.acc-tile[aria-pressed="true"]{border-color:var(--orange);background:var(--peach-tint);box-shadow:inset 0 0 0 1px var(--orange)}
.acc-step{display:flex;align-items:center;justify-content:space-between;border:1.5px solid var(--line-2);border-radius:10px;background:var(--cream);padding:7px 9px;margin-bottom:8px}
.acc-step b{font-size:.78rem;color:var(--navy);font-weight:700}
.acc-step .ctr{display:flex;align-items:center;gap:7px}
.acc-step .ctr button{width:26px;height:26px;border-radius:8px;border:1px solid var(--line-2);background:#fff;font-weight:800;cursor:pointer;color:var(--navy);line-height:1}
.acc-step .ctr span{min-width:46px;text-align:center;font-size:.78rem;font-weight:800;color:var(--navy)}
.acc-actions{display:flex;gap:8px;margin-top:6px}
.acc-actions button{flex:1;padding:10px;border:none;border-radius:10px;font-weight:700;cursor:pointer}
.acc-actions .acc-reset{background:var(--navy);color:#fff}
.acc-actions .acc-hide{background:var(--cream);border:1.5px solid var(--line-2);color:var(--navy)}
#accMaskTop,#accMaskBot{position:fixed;left:0;right:0;background:rgba(10,16,28,.55);z-index:962;pointer-events:none;display:none}
html.acc-mask #accMaskTop,html.acc-mask #accMaskBot{display:block}
#accMag{position:fixed;left:50%;bottom:18px;transform:translateX(-50%);z-index:967;max-width:84vw;background:#111c30;color:#fff;padding:12px 22px;border-radius:12px;font-size:1.5rem;line-height:1.45;display:none;pointer-events:none;box-shadow:0 18px 40px -12px rgba(0,0,0,.5)}
#accMag.show{display:block}
html.acc-noimg main img{visibility:hidden!important}
html.acc-titles main h1,html.acc-titles main h2,html.acc-titles main h3,html.acc-titles main h4{outline:2px dashed var(--orange);outline-offset:3px}
html.acc-al-left main p,html.acc-al-left main li,html.acc-al-left main h1,html.acc-al-left main h2,html.acc-al-left main h3,html.acc-al-left main h4{text-align:left!important}
html.acc-al-center main p,html.acc-al-center main li,html.acc-al-center main h1,html.acc-al-center main h2,html.acc-al-center main h3,html.acc-al-center main h4{text-align:center!important}
html.acc-al-right main p,html.acc-al-right main li,html.acc-al-right main h1,html.acc-al-right main h2,html.acc-al-right main h3,html.acc-al-right main h4{text-align:right!important}
html.acc-lh main p,html.acc-lh main li{line-height:var(--acc-lh)!important}
html.acc-ls main p,html.acc-ls main li,html.acc-ls main a,html.acc-ls main h1,html.acc-ls main h2,html.acc-ls main h3{letter-spacing:var(--acc-ls)!important}
[data-acc-speaking]{outline:3px solid var(--green)!important;outline-offset:3px;background:rgba(19,134,99,.08)!important}
html.acc-tts main p:hover,html.acc-tts main li:hover,html.acc-tts main h1:hover,html.acc-tts main h2:hover,html.acc-tts main h3:hover,html.acc-tts main h4:hover,html.acc-tts main td:hover{cursor:pointer;box-shadow:inset 0 0 0 2px rgba(19,134,99,.4)}

/* ---------- knowledge center ---------- */
.kb-toc{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:26px}
.kb-toc a{font-size:.78rem;font-weight:700;color:var(--navy);background:var(--cream);border:1.5px solid var(--line-2);border-radius:999px;padding:7px 14px;text-decoration:none}
.kb-toc a:hover{border-color:var(--orange);color:var(--orange-600)}
.kb-sec{margin-top:34px}
.kb-sec p{color:var(--muted);line-height:1.75;margin-top:10px}
.kb-list{margin:12px 0 6px 18px;display:grid;gap:9px;color:var(--muted);line-height:1.65}
.kb-call{border-left:4px solid var(--green);background:rgba(19,134,99,.07);padding:12px 16px;border-radius:0 12px 12px 0;margin-top:14px;font-size:.92rem;color:var(--navy);line-height:1.6}
.kb-warn{border-left-color:#c0392b;background:rgba(192,57,43,.06)}
.kb-eg{border-left-color:var(--orange);background:var(--peach-tint)}
.kb-terms{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:14px}
@media(max-width:700px){.kb-terms{grid-template-columns:1fr}}
.kb-term{border:1.5px solid var(--line-2);border-radius:12px;background:var(--cream);padding:0}
.kb-term summary{cursor:pointer;font-weight:700;color:var(--navy);padding:12px 14px;font-size:.9rem;list-style:none;position:relative}
.kb-term summary::after{content:'+';position:absolute;right:14px;color:var(--orange);font-weight:800}
.kb-term[open] summary::after{content:'−'}
.kb-term p{padding:0 14px 12px;color:var(--muted);font-size:.88rem;line-height:1.6;margin:0}
.quiz{margin-top:14px}
.qz-q{border:1.5px solid var(--line-2);border-radius:14px;padding:16px;margin-bottom:14px;background:#fff}
.qz-t{font-weight:700;color:var(--navy)}
.qz-opts{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:12px}
@media(max-width:640px){.qz-opts{grid-template-columns:1fr}}
.qz-opt{padding:11px 12px;border:1.5px solid var(--line-2);border-radius:10px;background:var(--cream);cursor:pointer;font-size:.88rem;font-weight:600;color:var(--navy);text-align:left}
.qz-opt:hover:not(:disabled){border-color:var(--orange)}
.qz-opt.right{border-color:var(--green);background:rgba(19,134,99,.12)}
.qz-opt.wrong{border-color:#c0392b;background:rgba(192,57,43,.09)}
.qz-exp{display:none;margin-top:12px;font-size:.85rem;color:var(--green-deep,#0d5c44);background:rgba(19,134,99,.07);padding:10px 12px;border-radius:10px;line-height:1.55}
.qz-score{font-weight:800;color:var(--navy);margin-top:6px}
.kb-rel{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin-top:34px;padding-top:22px;border-top:1px solid var(--line)}
.kb-rel>span{font-weight:700;font-size:.85rem;color:var(--navy)}
.kb-tools{display:flex;gap:18px;align-items:center;flex-wrap:wrap;margin-top:26px}
.kb-tools input{flex:1;min-width:240px;padding:13px 16px;border:1.5px solid var(--line-2);border-radius:12px;background:#fff;font-family:var(--f-body);font-size:.92rem;color:var(--navy)}
.kb-tools input:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 4px rgba(250,133,79,.12)}
.kb-prog{display:flex;align-items:center;gap:10px}
.kb-prog-bar{width:160px;height:8px;border-radius:999px;background:var(--line);overflow:hidden}
.kb-prog-bar span{display:block;height:100%;width:0;background:var(--green);border-radius:999px;transition:width .4s}
.kb-prog>span{font-size:.78rem;font-weight:700;color:var(--muted)}
.lcard{position:relative;text-decoration:none}
.kb-go{display:inline-block;margin-top:12px;font-size:.82rem;font-weight:800;color:var(--orange-600)}
.kb-read-badge{position:absolute;top:14px;right:14px;font-size:.68rem;font-weight:800;color:#fff;background:var(--green);padding:4px 10px;border-radius:999px}

/* ---------- calculator suite v2 ---------- */
.cgroup{margin-bottom:10px}
.cgroup-l{display:block;font-size:.68rem;font-weight:800;letter-spacing:1.2px;text-transform:uppercase;color:var(--muted);margin:8px 0 6px}
.calc-tabs{flex-wrap:wrap}
.fld{margin-bottom:16px}
.fld .frow{display:flex;justify-content:space-between;align-items:center;margin-bottom:7px}
.fld label{font-weight:600;font-size:.87rem;color:var(--navy);display:flex;align-items:center;gap:6px}
.funit{font-size:.72rem;font-weight:800;color:var(--muted);background:var(--cream);border:1px solid var(--line-2);border-radius:6px;padding:2px 8px}
.fpair{display:grid;grid-template-columns:130px 1fr;gap:12px;align-items:center}
@media(max-width:560px){.fpair{grid-template-columns:110px 1fr}}
.fnum{width:100%;padding:9px 10px;border:1.5px solid var(--line-2);border-radius:10px;font-family:var(--f-head);font-weight:700;font-size:.92rem;color:var(--navy);background:#fff}
.fnum:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 4px rgba(250,133,79,.12)}
.fnum.bad{border-color:#c0392b;background:rgba(192,57,43,.06)}
.tip{width:16px;height:16px;border-radius:50%;border:1.5px solid var(--line-2);background:var(--cream);color:var(--muted);font-size:.62rem;font-weight:800;cursor:pointer;position:relative;line-height:1}
.tip::after{content:attr(data-tip);position:absolute;left:50%;bottom:130%;transform:translateX(-50%);width:230px;background:var(--navy);color:#fff;font-size:.72rem;font-weight:500;line-height:1.5;padding:9px 11px;border-radius:10px;opacity:0;pointer-events:none;transition:.15s;z-index:50;text-transform:none;letter-spacing:0}
.tip:hover::after,.tip:focus::after,.tip.show::after{opacity:1}
.calc-how{margin-top:6px;border:1.5px dashed var(--line-2);border-radius:10px;background:var(--cream)}
.calc-how summary{cursor:pointer;font-size:.78rem;font-weight:700;color:var(--navy);padding:9px 12px;list-style:none}
.calc-how summary::before{content:'ƒx  ';color:var(--orange-600);font-weight:800}
.calc-how p{padding:0 12px 10px;font-size:.78rem;color:var(--muted);line-height:1.6;margin:0}
.calc-break{margin-top:14px;display:grid;gap:6px}
.cb-row{display:flex;justify-content:space-between;gap:12px;font-size:.8rem;color:#c8d2e4;border-bottom:1px dashed rgba(255,255,255,.12);padding-bottom:5px}
.cb-row b{color:#fff;font-family:var(--f-head)}
.cb-row.big{font-size:.9rem}.cb-row.big b{color:var(--peach);font-size:1rem}
.calc-chart{margin-top:16px}
.cc-cap{font-size:.68rem;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:#9fb0cc;margin-bottom:8px}
.cc-bars{display:flex;align-items:flex-end;gap:8px;height:110px}
.cc-col{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:flex-end;height:100%;min-width:0}
.cc-bar{width:100%;max-width:44px;background:linear-gradient(180deg,var(--peach),var(--orange));border-radius:6px 6px 2px 2px}
.cc-v{font-size:.6rem;color:#c8d2e4;margin-bottom:4px;white-space:nowrap}
.cc-l{font-size:.62rem;color:#9fb0cc;margin-top:5px;white-space:nowrap}
@media(max-width:900px){.cc-bars{height:90px}.cc-v{font-size:.55rem}}

/* ---------- calculator tabs v2: capsule pills, no navy bars ---------- */
#calcRoot>.cgroup{padding:0 clamp(16px,2.5vw,28px)}
#calcRoot>.cgroup:first-of-type{padding-top:20px}
#calcRoot>.cgroup:last-of-type{padding-bottom:16px}
.cgroup .calc-tabs{background:transparent;padding:2px 0 4px;gap:8px}
.cgroup .calc-tab{flex:0 0 auto;min-width:0;white-space:nowrap;background:var(--cream);border:1.5px solid var(--line-2);color:var(--navy);border-radius:999px;padding:9px 18px;font-size:.82rem}
.cgroup .calc-tab:hover{border-color:var(--orange);color:var(--orange-600)}
.cgroup .calc-tab.active{background:var(--orange);border-color:var(--orange);color:#fff;box-shadow:0 6px 16px -6px rgba(250,133,79,.55)}
.cgroup-l{margin:10px 0 8px;color:var(--muted)}
.calc-body{border-top:1px solid var(--line)}
@media(max-width:640px){#calcRoot>.cgroup{padding-left:16px;padding-right:16px}.cgroup .calc-tab{padding:8px 14px;font-size:.78rem}}

/* ---------- calculator tabs v3: single-line scrollable capsules ---------- */
.calc-tabline{display:flex;align-items:center;gap:8px;flex-wrap:nowrap;overflow-x:auto;padding:16px clamp(16px,2.5vw,28px) 14px;scrollbar-width:thin;-webkit-overflow-scrolling:touch}
.calc-tabline::-webkit-scrollbar{height:6px}
.calc-tabline::-webkit-scrollbar-thumb{background:var(--line-2);border-radius:999px}
.calc-tabline .cgroup-l{margin:0 2px 0 12px;font-size:.6rem;font-weight:800;letter-spacing:1px;text-transform:uppercase;color:var(--muted);white-space:nowrap;flex:0 0 auto}
.calc-tabline .cgroup-l:first-child{margin-left:0}
.calc-tabline .calc-tab{flex:0 0 auto;min-width:0;white-space:nowrap;background:var(--cream);border:1.5px solid var(--line-2);color:var(--navy);border-radius:999px;padding:9px 16px;font-size:.8rem}
.calc-tabline .calc-tab:hover{border-color:var(--orange);color:var(--orange-600)}
.calc-tabline .calc-tab.active{background:var(--orange);border-color:var(--orange);color:#fff;box-shadow:0 6px 16px -6px rgba(250,133,79,.55)}
/* chart: bars sized in px for exact proportions */
.cc-bars{height:auto;align-items:flex-end}
.cc-col{height:auto}
@media(max-width:900px){.cc-bars{height:auto}}

/* ---------- calculator tabs v4: category tabs + pills (option C) ---------- */
.calc-cats{display:flex;gap:22px;padding:18px clamp(16px,2.5vw,28px) 0;border-bottom:1px solid var(--line);overflow-x:auto;white-space:nowrap}
.calc-cat{background:none;border:none;cursor:pointer;font-family:var(--f-head);font-weight:700;font-size:.88rem;color:var(--muted);padding:0 2px 12px;border-bottom:2.5px solid transparent;flex:0 0 auto}
.calc-cat:hover{color:var(--navy)}
.calc-cat.active{color:var(--orange-600);border-bottom-color:var(--orange)}
.calc-pillrow{padding:14px clamp(16px,2.5vw,28px) 14px}
.calc-pills{display:none;flex-wrap:wrap;gap:8px}
.calc-pills.active{display:flex}
.calc-pills .calc-tab{flex:0 0 auto;min-width:0;white-space:nowrap;background:var(--cream);border:1.5px solid var(--line-2);color:var(--navy);border-radius:999px;padding:9px 18px;font-size:.82rem}
.calc-pills .calc-tab:hover{border-color:var(--orange);color:var(--orange-600)}
.calc-pills .calc-tab.active{background:var(--orange);border-color:var(--orange);color:#fff;box-shadow:0 6px 16px -6px rgba(250,133,79,.55)}
@media(max-width:640px){.calc-cats{gap:16px}.calc-cat{font-size:.8rem}.calc-pills .calc-tab{padding:8px 14px;font-size:.78rem}}

/* ---------- calculator display option B: full-width chart strip ---------- */
.calc-chartrow{border-top:1px solid var(--line);padding:16px clamp(16px,2.5vw,28px) 22px;background:#fff}
.calc-chartrow .calc-chart{margin-top:0}
.calc-chartrow .cc-cap{color:var(--muted)}
.calc-chartrow .cc-v{color:var(--navy);font-size:.66rem}
.calc-chartrow .cc-l{color:var(--muted)}
.calc-chartrow .cc-bars{gap:10px}
.calc-chartrow .cc-bar{max-width:64px}
.calc-chartrow:has(.calc-chart:empty){display:none}
.calc-result{min-height:0}

/* ---------- audit v2 additions: trust & lead packs ---------- */
.doc-updated{color:var(--muted);font-size:.85rem;margin:-6px 0 18px}
.memb{background:var(--navy);padding:18px 0}
.memb-strip{display:flex;flex-wrap:wrap;gap:10px 26px;justify-content:center;align-items:center}
.memb-b{color:#c8d2e4;font-size:.82rem;letter-spacing:.02em}
.memb-b b{color:var(--orange);font-weight:700;margin-right:4px}
.tl-wrap{margin-top:26px;border-left:3px solid var(--orange);padding-left:26px;display:grid;gap:22px;max-width:760px}
.tl-item{position:relative}
.tl-item::before{content:"";position:absolute;left:-33px;top:6px;width:11px;height:11px;border-radius:50%;background:var(--orange)}
.tl-year{font-weight:800;color:var(--orange);font-size:1.05rem}
.tl-body{color:var(--ink);margin-top:2px;line-height:1.55}
.tl-body b{color:var(--navy)}
.adv-list{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:12px;max-width:860px}
.adv-list li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;line-height:1.55}
.adv-list li b{color:var(--navy)}
.nl-badge{display:inline-block;background:var(--cream);border:1px solid var(--line);color:var(--muted);font-size:.68rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;border-radius:999px;padding:2px 10px;vertical-align:middle;margin-left:6px}

/* ---------- why-PCJ ribbon (replaces trust marquee) ---------- */
.why-strip{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:22px 0}
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.why-it{display:grid;grid-template-columns:auto 1fr;grid-template-rows:auto auto;column-gap:12px;align-items:center}
.why-ic{grid-row:1/3;width:42px;height:42px;border-radius:12px;background:var(--cream);color:var(--orange);display:flex;align-items:center;justify-content:center}
.why-ic svg{width:22px;height:22px}
.why-it b{color:var(--navy);font-size:.92rem;line-height:1.3}
.why-it>span:last-child{color:var(--muted);font-size:.78rem;line-height:1.35}
@media(max-width:960px){.why-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.why-grid{grid-template-columns:1fr}}

/* ---------- real brand logos ---------- */
.brand .logo-img{width:50px;height:50px;border-radius:12px;display:block;flex:none}
.foot-logo{display:inline-block;margin-bottom:14px}
.foot-logo img{width:164px;height:164px;border-radius:16px;display:block}

/* ---------- partner (AP) page additions ---------- */
.stepwrap{counter-reset:s}
.tick{list-style:none;margin:12px 0 0;padding:0;display:grid;gap:9px}
.tick li{position:relative;padding-left:24px;color:var(--ink);font-size:.92rem;line-height:1.55}
.tick li::before{content:"\2713";position:absolute;left:0;top:0;color:var(--orange);font-weight:700}
.dchips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.dchip{border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 18px;font-size:.88rem;color:var(--navy);font-weight:600}

/* ---------- fund transfer: bank + UPI ---------- */
.ft-grid{display:grid;grid-template-columns:380px 1fr;gap:22px;align-items:start}
@media(max-width:900px){.ft-grid{grid-template-columns:1fr}}
.upi-card{text-align:center}
.upi-card img{border:1px solid var(--line);border-radius:14px;margin:10px auto 4px;display:block}
.upi-id{display:flex;gap:8px;align-items:center;justify-content:center;margin:10px 0 4px;flex-wrap:wrap}
.upi-id span{font-family:ui-monospace,Menlo,monospace;font-size:.95rem;background:var(--cream);border:1px solid var(--line);border-radius:8px;padding:6px 12px;color:var(--navy);font-weight:600}
.copy-btn{border:1px solid var(--orange);background:#fff;color:var(--orange);border-radius:8px;padding:6px 14px;font-size:.8rem;font-weight:700;cursor:pointer}
.copy-btn:hover{background:var(--orange);color:#fff}
.copy-btn.ok{background:var(--orange);color:#fff}
.copy-btn.sm{padding:2px 8px;font-size:.68rem;margin-left:6px}
.upi-note{color:var(--muted);font-size:.82rem;line-height:1.5;margin-top:10px}
.bank-tbl-wrap{overflow-x:auto}
.bank-tbl{width:100%;border-collapse:collapse;font-size:.9rem}
.bank-tbl th{text-align:left;background:var(--navy);color:#fff;padding:10px 12px;font-weight:600}
.bank-tbl td{padding:10px 12px;border-bottom:1px solid var(--line);color:var(--ink);white-space:nowrap}
.bank-tbl .mono{font-family:ui-monospace,Menlo,monospace;font-weight:600;color:var(--navy)}

/* ---------- merged hero app strip ---------- */
.hero-get{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-top:26px}
.hg-lab{flex-basis:100%;font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.hero-get .store-badge{background:#111;color:#fff;border-radius:10px;display:inline-flex;align-items:center;gap:9px;padding:8px 14px;text-decoration:none}
.hero-get .store-badge svg{width:20px;height:20px;fill:#fff}
.hero-get .store-badge small{display:block;font-size:.58rem;opacity:.8;letter-spacing:.06em;text-transform:uppercase}
.hero-get .store-badge b{font-size:.92rem;line-height:1.1}
.hg-qr{display:inline-flex;flex-direction:column;align-items:center;gap:3px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:6px 8px 5px;font-size:.64rem;color:var(--muted);font-weight:600}
.hg-qr img{display:block;border-radius:4px}

/* ---------- hero scan-and-start card (option D) ---------- */
.hero-scan{position:absolute;right:clamp(20px,6vw,90px);top:50%;transform:translateY(-50%);z-index:2;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 20px 16px;text-align:center;width:236px;box-shadow:0 24px 60px rgba(20,30,55,.16)}
.hero-scan img{display:block;margin:0 auto;border-radius:8px}
.hero-scan b{display:block;margin-top:10px;color:var(--navy);font-size:.95rem;line-height:1.3}
.hero-scan span{display:block;color:var(--muted);font-size:.74rem;margin-top:3px;line-height:1.4}
.pbanner:has(.hero-scan) .container{padding-right:320px}
@media(max-width:1080px){.hero-scan{display:none}.pbanner:has(.hero-scan) .container{padding-right:0}}

/* ---------- unified page canvas: one background everywhere (footer stays navy) ---------- */
body{background:
  radial-gradient(1000px 480px at 88% -140px, rgba(250,196,163,.55), transparent 62%),
  radial-gradient(700px 400px at -90px 260px, rgba(19,134,99,.10), transparent 65%),
  var(--cream)}
.header{background:rgba(253,247,242,.72)}
.pbanner,.hx-hero,.stats,.about,.values,.contact,.why-strip{background:transparent}
.why-strip{border-top:0;border-bottom:0}

/* ---------- seamless hero fix: kill per-section glow blobs that clip at edges ---------- */
.pbanner .blob,.hx-hero .blob,.pbanner::before,.pbanner::after,.hx-hero::before,.hx-hero::after{display:none}
.stats::before,.stats::after,.about::before,.about::after,.contact::before,.contact::after{display:none}

/* ---------- plain flat canvas site-wide (matches live site) ---------- */
body{background:#fff}
.header{background:rgba(255,255,255,.88)}
main section{background:transparent !important}
main section.cta-band{background:radial-gradient(600px 280px at 82% -40%,rgba(255,255,255,.28),transparent 60%),linear-gradient(135deg,var(--orange),var(--orange-600) 70%,#e2662f) !important}
.blob{display:none !important}
.dotgrid{display:none !important}
.calc-wrap{background:#fff}
.hx-glass,.glass{background:#fff;backdrop-filter:none;-webkit-backdrop-filter:none}

/* ---------- live-site peach canvas: #FAC4A3 everywhere except footer ---------- */
body{background:#FAC4A3}
.header{background:#FAC4A3;border-bottom:0;backdrop-filter:none;-webkit-backdrop-filter:none;box-shadow:none}
.util{border-bottom:0}

/* scrolled peach header — stays the same colour when you scroll */
.header.scrolled{background:#FAC4A3;box-shadow:0 6px 18px rgba(20,30,55,.10)}

/* ---------- compact section rhythm: kill the dead space between sections ---------- */
.pad{padding:clamp(30px,4vw,56px) 0}
.pad-sm{padding:clamp(22px,3vw,40px) 0}
.pbanner{padding:clamp(28px,3.5vw,48px) 0 clamp(24px,3vw,42px)}
.mt-s12{margin-top:26px}
.split{gap:40px}
.hx-hero{min-height:0;padding:clamp(36px,6vh,72px) 0}
.cta-band{margin:8px 0}

/* ---------- Dhan-style mega dropdowns ---------- */
.dropdown.mega{min-width:640px;grid-template-columns:1fr 1fr;display:grid;gap:2px;padding:14px;border-radius:18px}
.dropdown.mega.mega-sm{min-width:520px}
.dropdown .dd-item{display:flex;align-items:flex-start;gap:12px;padding:10px 12px;border-radius:12px}
.dropdown .dd-item:hover{padding-left:12px;background:var(--peach-tint)}
.dd-ic{flex:none;width:38px;height:38px;border-radius:10px;background:var(--peach-tint);color:var(--orange-600);display:flex;align-items:center;justify-content:center}
.dd-ic svg{width:20px;height:20px}
.dd-item:hover .dd-ic{background:#fff}
.dd-tx b{display:block;font-size:.9rem;color:var(--navy);line-height:1.25;font-weight:700}
.dd-tx small{display:block;font-size:.73rem;color:var(--muted);font-weight:500;line-height:1.35;margin-top:2px}
@media(max-width:1220px){.dropdown.mega{min-width:520px}}

/* ---------- download center capsule tabs ---------- */
.dlc-tabs{display:flex;flex-wrap:wrap;gap:10px;margin:4px 0 24px}
.dlc-tab{border:1.5px solid var(--line);background:#fff;border-radius:999px;padding:10px 20px;font-weight:700;font-size:.9rem;color:var(--navy);cursor:pointer;transition:.2s}
.dlc-tab:hover{border-color:var(--orange);color:var(--orange-600)}
.dlc-tab.active{background:var(--orange);border-color:var(--orange);color:#fff}
.dlc-panel{display:none}
.dlc-panel.active{display:block}

/* ---------- download center: sidebar rail (option B) ---------- */
.dlc-layout{display:grid;grid-template-columns:256px 1fr;gap:24px;align-items:start}
.dlc-rail{position:sticky;top:104px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:8px;display:grid;gap:2px}
.dlc-rail .dlc-tab{display:flex;align-items:center;gap:10px;border:0;background:transparent;border-radius:11px;padding:11px 12px;font-weight:700;font-size:.88rem;color:var(--navy);cursor:pointer;text-align:left;transition:.18s}
.dlc-rail .dlc-tab:hover{background:var(--peach-tint);color:var(--navy)}
.dlc-rail .dlc-tab.active{background:var(--orange);color:#fff}
.dlc-ic{flex:none;width:30px;height:30px;border-radius:8px;background:var(--peach-tint);color:var(--orange-600);display:flex;align-items:center;justify-content:center}
.dlc-ic svg{width:17px;height:17px}
.dlc-tab.active .dlc-ic{background:rgba(255,255,255,.22);color:#fff}
.dlc-n{margin-left:auto;font-size:.7rem;font-weight:800;background:var(--peach-tint);color:var(--orange-600);border-radius:999px;padding:2px 9px}
.dlc-tab.active .dlc-n{background:rgba(255,255,255,.25);color:#fff}
.dlc-content .dlc-panel h2{margin-top:0}
@media(max-width:900px){
 .dlc-layout{grid-template-columns:1fr}
 .dlc-rail{position:static;display:flex;flex-wrap:wrap;gap:8px;background:transparent;border:0;padding:0}
 .dlc-rail .dlc-tab{background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:8px 14px}
 .dlc-rail .dlc-tab.active{border-color:var(--orange);background:var(--orange)}
 .dlc-ic{display:none}
}

@keyframes dlcIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.dlc-panel.active{animation:dlcIn .28s ease}

/* ---------- download center: segmented bar + file cards (option 1) ---------- */
.dlc-stack{display:block}
.dlc-seg{display:flex;background:#fff;border:1px solid var(--line);border-radius:999px;overflow:hidden;max-width:820px;margin:0 0 26px}
.dlc-seg .dlc-tab{flex:1;border:0;background:transparent;padding:12px 8px;font-weight:700;font-size:.86rem;color:var(--navy);cursor:pointer;display:flex;align-items:center;justify-content:center;gap:7px;transition:.2s;border-radius:0}
.dlc-seg .dlc-tab:hover{background:var(--peach-tint)}
.dlc-seg .dlc-tab.active{background:var(--orange);color:#fff}
.dlc-c{font-style:normal;font-size:.68rem;font-weight:800;background:var(--peach-tint);color:var(--orange-600);border-radius:999px;padding:1px 8px}
.dlc-tab.active .dlc-c{background:rgba(255,255,255,.25);color:#fff}
.dlc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:14px}
.dlc-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px;display:flex;flex-direction:column;align-items:flex-start;gap:4px;transition:.22s}
.dlc-card:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(20,30,55,.10)}
.dlc-cic{width:38px;height:38px;border-radius:10px;background:var(--peach-tint);color:var(--orange-600);display:flex;align-items:center;justify-content:center;margin-bottom:6px}
.dlc-cic svg{width:20px;height:20px}
.dlc-card b{font-size:.92rem;color:var(--navy);line-height:1.35}
.dlc-card small{font-size:.74rem;color:var(--muted);font-weight:600}
.dlc-open{margin-top:10px;border:1.5px solid var(--orange);color:var(--orange-600);border-radius:999px;padding:6px 18px;font-size:.8rem;font-weight:700;text-decoration:none;transition:.2s}
.dlc-open:hover{background:var(--orange);color:#fff}
.dlc-panel h2{font-size:1.15rem;margin:2px 0 0}
@media(max-width:980px){.dlc-grid{grid-template-columns:1fr 1fr}}
@media(max-width:700px){.dlc-grid{grid-template-columns:1fr}
 .dlc-seg{flex-wrap:wrap;border-radius:16px}.dlc-seg .dlc-tab{flex:1 1 40%;padding:10px 6px}}

/* ---------- dlc polish pass: wider, centered, equal cards ---------- */
main section:has(.dlc-stack) .container{max-width:1320px}
.dlc-seg{max-width:980px;margin:0 auto 6px}
.dlc-panel h2{text-align:center;font-size:1.25rem;margin:18px 0 2px}
.dlc-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:20px;align-items:stretch}
.dlc-card{height:100%;box-sizing:border-box;padding:18px}
.dlc-card b{flex:0 0 auto}
.dlc-card small{margin-bottom:2px}
.dlc-open{margin-top:auto}
.dlc-panel .prose{max-width:900px;margin:20px auto 0}
@media(max-width:980px){.dlc-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:640px){.dlc-grid{grid-template-columns:1fr}}

/* ---------- dropdown edge safety: never off-screen ---------- */
.dropdown.dd-right{left:auto;right:0}
.dropdown.mega{max-height:calc(100vh - 150px);overflow-y:auto;overscroll-behavior:contain}

/* ---------- responsive mega menus ---------- */
@media(max-width:1360px){.dropdown.mega{min-width:560px}}
@media(max-width:1160px){.dropdown.mega,.dropdown.mega.mega-sm{min-width:420px;grid-template-columns:1fr}
 .dd-tx small{font-size:.7rem}}

/* ---------- tight rhythm v2: every section type, no dead fields ---------- */
.pad{padding:clamp(24px,3vw,44px) 0}
.pad-sm{padding:clamp(18px,2.5vw,32px) 0}
.hero-grid{padding:clamp(26px,3.5vw,46px) 0;gap:40px}
.hero-shell .hero-grid{padding:clamp(26px,3.5vw,48px) 0}
.hx-hero-grid{padding:30px 0}
.pbanner{padding:clamp(24px,3vw,40px) 0 clamp(20px,2.5vw,36px)}
.hx-hero{padding:clamp(26px,4vh,52px) 0}
.prose h2{margin:24px 0 10px}
.center .h2,.h2{margin-bottom:10px}
.eyebrow{margin-bottom:8px}
.mt-s12{margin-top:20px}
.center .lead{margin-top:6px}

/* stats-grid fix */
.stats-grid{padding:26px 0}

/* ---------- journey coverflow (3D) ---------- */
.cf-stage{perspective:1200px;height:300px;position:relative;margin-top:26px;overflow:hidden}
.cf-belt{position:absolute;inset:0}
.cf-card{position:absolute;left:50%;top:14px;width:300px;margin-left:-150px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px 24px;transition:transform .65s cubic-bezier(.22,.8,.26,1),opacity .65s,background .4s;will-change:transform;cursor:pointer;box-shadow:0 18px 44px rgba(20,30,55,.10)}
.cf-year{display:inline-block;background:var(--peach-tint);color:var(--orange-600);font-weight:800;font-size:1.05rem;border-radius:10px;padding:3px 14px;margin-bottom:10px}
.cf-card b{display:block;color:var(--navy);font-size:1.02rem;line-height:1.35}
.cf-card p{color:#4a5570;font-size:.86rem;line-height:1.55;margin-top:6px}
.cf-card.active{background:var(--navy);border-color:var(--navy);box-shadow:0 26px 60px rgba(20,30,55,.28)}
.cf-card.active .cf-year{background:var(--orange);color:#fff}
.cf-card.active b{color:#fff}
.cf-card.active p{color:#c8d2e4}
.cf-nav{display:flex;gap:10px;align-items:center;justify-content:center;margin-top:18px}
.cf-arrow{width:38px;height:38px;border-radius:50%;border:1.5px solid var(--navy);background:#fff;color:var(--navy);font-size:1.3rem;line-height:1;cursor:pointer;transition:.2s}
.cf-arrow:hover{background:var(--navy);color:#fff}
.cf-dot{width:11px;height:11px;border-radius:50%;border:0;background:#e8b48d;cursor:pointer;transition:.25s;padding:0}
.cf-dot.active{background:var(--orange);transform:scale(1.35)}
@media(max-width:640px){.cf-card{width:240px;margin-left:-120px;padding:16px 18px}.cf-stage{height:330px}}
@media(prefers-reduced-motion:reduce){.cf-card{transition:none}}

/* hero wrappers flat: kill last off-canvas tints */
.hero,.hero-shell{background:transparent !important}
.hero-card::after{display:none}

/* mesh kill: hero fully plain */
.hx-mesh{display:none !important}

/* plain hero: kill smudge under the phone */
.hx-hero .device{box-shadow:none !important;border-color:rgba(255,255,255,.14)}
.hx-hero .hx-cue{display:none !important}

/* ink-on-peach: recolor formerly dark bands (live-site palette) */
.stats{color:var(--ink)}
.stat .cap{color:var(--muted)}
.values{color:var(--ink)}
.value h4{color:var(--navy)}
.value p{color:#41506c}
.contact{color:var(--ink)}
.c-block h4{color:var(--navy)}
.c-block p,.c-block a{color:#41506c}
.hero-badge{color:var(--navy)}
.hero-badge small{color:var(--muted)}
main .btn-outline-light{color:var(--navy);border-color:rgba(29,47,79,.4)}
main .btn-outline-light:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
main .cta-band .btn-outline-light{color:#fff;border-color:rgba(255,255,255,.55)}
main .cta-band .btn-outline-light:hover{background:#fff;color:var(--navy);border-color:#fff}

main .wd-fine{color:#41506c}

/* full-bleed guarantee: nothing may widen the page sideways */
html,body{overflow-x:clip}
.hx-hero,.hero,.pbanner{overflow:clip}

/* ---------- balanced premium rhythm + 1320 canvas (user spec 02-Jul-2026) ---------- */
:root{--maxw:1320px}
.pad{padding:clamp(40px,5vw,64px) 0}
.pad-sm{padding:clamp(28px,3.5vw,44px) 0}
.hero-grid{padding:clamp(40px,5vw,64px) 0;gap:48px}
.hx-hero-grid{padding:40px 0}
.pbanner{padding:clamp(36px,4.5vw,56px) 0 clamp(30px,3.5vw,48px)}
.hx-hero{padding:clamp(36px,5vh,60px) 0}
.prose h2{margin:32px 0 12px}
.center .h2,.h2{margin-bottom:14px}
.eyebrow{margin-bottom:10px}
.mt-s12{margin-top:26px}
.center .lead{margin-top:8px}
.stats-grid{padding:clamp(36px,4.5vw,56px) 0}
@media(max-width:720px){.pad{padding:34px 0}.pad-sm{padding:24px 0}}

/* builtfor cards: no white slab — flat on peach */
.builtfor .card{background:transparent;border:0;box-shadow:none;padding:10px 18px}
.builtfor .card:hover{transform:none;box-shadow:none}

/* ---------- homepage upgrade pack (steps, ipo, cmp, teasers, callback) ---------- */
.hsteps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.hstep{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px 24px;position:relative}
.hs-n{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:12px;background:var(--orange);color:#fff;font-weight:800;font-size:1.05rem;margin-bottom:14px}
.hstep h4{color:var(--navy);font-size:1.02rem;margin-bottom:6px}
.hstep p{color:var(--muted);font-size:.9rem;line-height:1.6}
.iporow{display:grid;grid-template-columns:1.4fr .6fr;gap:28px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(24px,3.5vw,40px)}
.qrcard{justify-self:center;text-align:center;background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:18px 22px}
.qrcard img{display:block;margin:0 auto 10px;border-radius:10px;background:#fff;padding:6px}
.qrcard b{display:block;color:var(--navy);font-size:.92rem}
.qrcard small{color:var(--muted);font-size:.76rem}
.cmp{max-width:860px;margin-inline:auto;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden}
.cmp-r{display:grid;grid-template-columns:1.6fr .5fr .8fr;align-items:center;padding:14px 22px;border-top:1px solid var(--line);font-size:.92rem;color:var(--ink)}
.cmp-r:first-child{border-top:0}
.cmp-h{background:var(--navy);color:#fff;font-weight:700;font-size:.85rem;letter-spacing:.04em;text-transform:uppercase}
.cmp-r .y{color:var(--orange-600);font-weight:800;text-align:center}
.cmp-r .n{color:var(--muted);text-align:center}
.cmp-r div:nth-child(3){text-align:center}
.pteaser{display:flex;align-items:center;justify-content:space-between;gap:24px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,3vw,34px)}
.pteaser h3{color:var(--navy);font-size:1.3rem;margin:6px 0 8px}
.pteaser p{color:var(--muted);max-width:640px;font-size:.94rem}
.hc-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(26px,4vw,54px);align-items:center}
#tsGrid .t-card{transition:transform .45s ease,box-shadow .45s ease,border-color .45s ease}
#tsGrid .t-card.t-on{transform:translateY(-6px);border-color:var(--orange);box-shadow:0 18px 44px rgba(20,30,55,.12)}
@media(max-width:960px){.hsteps{grid-template-columns:1fr}.iporow{grid-template-columns:1fr}.hc-grid{grid-template-columns:1fr}.pteaser{flex-direction:column;align-items:flex-start}}

/* ---------- ultra-dense rhythm (user 02-Jul-2026): section gaps <=10px, section padding <=5px ---------- */
.pad,.pad-sm{padding:5px 0}
.hero-grid,.hx-hero-grid{padding:5px 0}
.hero-shell .hero-grid{padding:5px 0}
.pbanner{padding:5px 0}
.hx-hero{padding:5px 0}
.stats-grid{padding:5px 0}
.why-strip{padding:5px 0}
.mt-s12{margin-top:10px}
.center .h2,.h2{margin-bottom:10px}
.prose h2{margin:10px 0 8px}
.eyebrow{margin-bottom:6px}
.center .lead{margin-top:6px}
.cf-stage{margin-top:10px}
.cf-nav{margin-top:10px}
@media(max-width:720px){.pad,.pad-sm{padding:5px 0}}

/* section rhythm: 25px (user final) */
.pad,.pad-sm{padding:25px 0}
.hero-grid,.hx-hero-grid{padding:25px 0}
.hero-shell .hero-grid{padding:25px 0}
.pbanner{padding:25px 0}
.hx-hero{padding:25px 0}
.stats-grid{padding:25px 0}
.why-strip{padding:25px 0}
@media(max-width:720px){.pad,.pad-sm{padding:25px 0}}


/* ===PCJ-STUDIO-THEME=== */
/*THEMEJSON:{"canvas": "#FAC4A3", "navy": "#1d2f4f", "orange": "#fa854f", "orange600": "#f2743a", "cream": "#fdf7f2", "peachTint": "#fdeadd", "ink": "#1d2f4f", "muted": "#5b667f", "line": "#ece3d8", "maxw": 1360, "secpad": 25, "radius": 18, "font": "montserrat"}*/
:root{--navy:#1d2f4f;--navy-deep:#1d2f4f;--ink:#1d2f4f;--muted:#5b667f;--orange:#fa854f;--orange-600:#f2743a;--cream:#fdf7f2;--peach-tint:#fdeadd;--line:#ece3d8;--maxw:1360px;--r:18px;--canvas:#FAC4A3;--f-head:'Montserrat',system-ui,sans-serif;--f-body:'Montserrat',system-ui,sans-serif;--f-serif:'Libre Baskerville',Georgia,serif}
body,.header,.header.scrolled{background:var(--canvas)}
.pad,.pad-sm,.hero-grid,.hx-hero-grid,.hero-shell .hero-grid,.pbanner,.hx-hero,.stats-grid,.why-strip{padding:25px 0}
/* ===/PCJ-STUDIO-THEME=== */

/* eyebrow headings: +3px, bolder (user 02-Jul) */
.eyebrow{font-size:19px;font-weight:700}

/* hero chips: keep clear of floating WhatsApp/call buttons */
.hx-g2{right:7%;bottom:6%}
.hx-g3{right:9%}

/* buttons: remove shine overlay + clean simple hover (user 03-Jul) */
.btn-primary::after,.btn-primary::before{display:none !important}
.btn-primary:hover{background:var(--orange-600);color:#fff;transform:translateY(-1px)}
.btn{overflow:hidden}

/* ---------- interactive pack (03-Jul-2026) ---------- */
.tool-card{text-decoration:none;display:block;transition:transform .2s,box-shadow .2s}
.tool-card:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(20,30,55,.10)}
.tool-card h4{font-size:1rem}
/* risk quiz */
.rq-wrap{max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,3.5vw,38px)}
.rq-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}
.rq-dots{display:flex;gap:7px}
.rq-dots span{width:11px;height:11px;border-radius:50%;background:#eadbcb;transition:.2s}
.rq-dots span.on{background:var(--orange)}
.rq-q{display:none}
.rq-q.on{display:block}
.rq-q b{display:block;color:var(--navy);font-size:1.12rem;margin-bottom:14px}
.rq-opts{display:grid;gap:10px}
.rq-opt{text-align:left;background:var(--cream);border:1.5px solid var(--line);border-radius:12px;padding:13px 16px;font:600 .95rem var(--f-body);color:var(--ink);cursor:pointer;transition:.15s}
.rq-opt:hover{border-color:var(--orange);background:#fff}
.rq-result h2{margin:6px 0 8px}
.rq-mix{display:grid;gap:8px;margin:16px 0}
.rq-mix .m{display:grid;grid-template-columns:150px 1fr 52px;align-items:center;gap:10px;font-size:.88rem;color:var(--ink)}
.rq-mix .bar{height:10px;border-radius:6px;background:var(--peach-tint);overflow:hidden}
.rq-mix .bar i{display:block;height:100%;background:var(--orange);border-radius:6px}
.rq-ctas{display:flex;gap:10px;flex-wrap:wrap;margin-top:16px}
/* goal wizard */
.gw-wrap{max-width:860px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,3.5vw,38px)}
.gw-steps{display:flex;gap:8px;margin-bottom:18px;flex-wrap:wrap}
.gw-st{font:700 .8rem var(--f-head);padding:7px 14px;border-radius:100px;background:var(--cream);color:var(--muted);border:1px solid var(--line)}
.gw-st.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.gw-goals{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.gw-goal{background:var(--cream);border:1.5px solid var(--line);border-radius:14px;padding:20px;font-size:1.5rem;cursor:pointer;text-align:left;transition:.15s}
.gw-goal b{display:block;font-size:1.02rem;color:var(--navy);margin-top:6px;font-family:var(--f-head)}
.gw-goal small{color:var(--muted);font-size:.8rem}
.gw-goal:hover{border-color:var(--orange);background:#fff}
.gw-fields{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:16px 0}
.gwf label{font:600 .84rem var(--f-head);color:var(--navy);display:block;margin-bottom:6px}
.gwf input[type=number]{width:100%;border:1.5px solid var(--line);border-radius:10px;padding:10px 12px;font:600 1rem var(--f-body)}
.gwf input[type=range]{width:100%;margin-top:8px;accent-color:var(--orange)}
.gw-nav{display:flex;justify-content:space-between;gap:10px;margin-top:8px}
.gw-out{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:14px 0}
.gwo{background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:14px 16px}
.gwo small{display:block;color:var(--muted);font-size:.76rem;margin-bottom:4px}
.gwo b{color:var(--navy);font-size:1.25rem}
.gwo.hot{background:var(--navy);border-color:var(--navy)}
.gwo.hot small{color:#c8d2e4}
.gwo.hot b{color:#fff}
.gw-note{font-size:.85rem;color:var(--muted)}
/* xray */
.xr-wrap{max-width:860px;margin:0 auto;display:grid;gap:20px}
.xr-in,.xr-out{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,3.5vw,34px)}
.xr-in h3{color:var(--navy);margin-bottom:8px}
#xrFile{margin:12px 0;display:block}
#xrPaste{width:100%;border:1.5px solid var(--line);border-radius:12px;padding:12px;font:500 .9rem ui-monospace,Menlo,monospace;margin-bottom:12px}
.xr-priv{font-size:.8rem;color:var(--green);font-weight:600;margin-top:10px}
.xr-err{color:#c0392b;font-weight:600}
.xr-top{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:16px}
#xrPie{display:block;margin:0 auto 14px;max-width:100%}
.xr-tbl{width:100%;border-collapse:collapse;font-size:.9rem}
.xr-tbl td,.xr-tbl th{padding:8px 10px;border-bottom:1px solid var(--line);text-align:left;color:var(--ink)}
.xr-tbl th{color:var(--navy);font-family:var(--f-head)}
.xr-tbl td:last-child,.xr-tbl th:last-child{text-align:right}
.xr-w{background:#fff6ee;border:1px solid #f4caa8;border-radius:12px;padding:12px 16px;margin-top:12px;font-size:.88rem;color:#8a4a12}
.xr-ok{background:var(--green-soft);border:1px solid #bfe0d0;color:#116644;border-radius:12px;padding:12px 16px;margin-top:12px;font-size:.88rem}
/* holidays */
.mh-wrap{max-width:820px;margin:0 auto}
.mh-status{display:flex;gap:16px;align-items:center;flex-wrap:wrap}
.mh-pill{font:800 1.05rem var(--f-head);padding:12px 24px;border-radius:100px;background:#e6f4ec;color:#0d7a4d;border:1.5px solid #bfe0d0}
.mh-pill.closed{background:#fdecec;color:#b03030;border-color:#f2c7c7}
.mh-next{color:var(--muted);font-size:.95rem}
.mh-list{display:grid;gap:8px;margin-top:14px}
.mh-row{display:grid;grid-template-columns:150px 110px 1fr;gap:10px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 16px;font-size:.92rem;color:var(--ink)}
.mh-row.past{opacity:.45}
.mh-row.next{border-color:var(--orange);box-shadow:0 8px 20px rgba(250,133,79,.15)}
.mh-row b{color:var(--navy)}
/* scenario lab */
.lab-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px}
.lab-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:22px}
.lab-card h3{color:var(--navy);font-size:1.05rem;margin-bottom:10px}
.lab-card label{display:flex;justify-content:space-between;font:600 .8rem var(--f-head);color:var(--muted);margin:10px 0 4px}
.lab-card output{color:var(--navy)}
.lab-card input[type=range]{width:100%;accent-color:var(--orange)}
.lab-2col{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.lab-col b{font-family:var(--f-head);color:var(--orange-600);font-size:.82rem}
.lab-res{display:grid;grid-template-columns:1fr 1fr 1fr;gap:10px;margin-top:14px}
.lab-res .gwo b{font-size:1.02rem}
.lab-res3{grid-template-columns:1fr 1fr 1fr}
@media(max-width:1100px){.lab-grid{grid-template-columns:1fr}}
/* open-account stepper */
.oa-wrap{max-width:680px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px}
.oa-bar{height:10px;border-radius:6px;background:var(--peach-tint);overflow:hidden}
.oa-fill{height:100%;width:0;background:var(--orange);border-radius:6px;transition:width .3s}
.oa-count{font:700 .82rem var(--f-head);color:var(--muted);margin:8px 0 14px}
.oa-list{display:grid;gap:10px}
.oa-item{display:flex;gap:12px;align-items:flex-start;background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:13px 15px;cursor:pointer}
.oa-item input{margin-top:4px;accent-color:var(--orange);width:17px;height:17px}
.oa-item b{color:var(--navy);display:block;font-size:.94rem}
.oa-item small{color:var(--muted);font-size:.8rem}
/* nudge + toast + recent */
.pcj-nudge{position:fixed;left:20px;bottom:96px;z-index:970;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 20px 50px -18px rgba(18,31,54,.4);padding:16px 18px;max-width:300px;transform:translateY(180%);transition:transform .45s cubic-bezier(.2,.7,.3,1)}
.pcj-nudge.show{transform:none}
.pcj-nudge b{color:var(--navy);display:block;margin-bottom:4px}
.pcj-nudge p{font-size:.84rem;color:var(--muted);margin-bottom:10px}
.pcj-nudge .x{position:absolute;top:8px;right:12px;border:0;background:none;font-size:1.1rem;color:var(--muted);cursor:pointer}
.pcj-toast{position:fixed;bottom:20px;left:50%;transform:translate(-50%,140%);z-index:960;background:var(--navy);color:#fff;padding:12px 22px;border-radius:100px;font:600 .9rem var(--f-body);transition:transform .4s;box-shadow:0 14px 34px rgba(0,0,0,.3)}
.pcj-toast.show{transform:translate(-50%,0)}
.pcj-toast a{color:#ffd9c2;font-weight:700}
.pcj-recent{display:flex;gap:8px;align-items:center;flex-wrap:wrap;font-size:.82rem;color:var(--muted)}
.pcj-recent a{background:#fff;border:1px solid var(--line);border-radius:100px;padding:6px 14px;font-weight:600;color:var(--navy);text-decoration:none}
.pcj-recent a:hover{border-color:var(--orange)}
/* search */
.pcj-searchbtn{border:1.6px solid rgba(29,47,79,.35);background:transparent;color:var(--navy);width:40px;height:40px;border-radius:50%;cursor:pointer;display:inline-flex;align-items:center;justify-content:center;margin-right:6px}
.pcj-searchbtn:hover{border-color:var(--navy)}
.pcj-so{position:fixed;inset:0;z-index:990;background:rgba(18,31,54,.5);backdrop-filter:blur(3px);display:none;align-items:flex-start;justify-content:center;padding:12vh 20px 20px}
.pcj-so.open{display:flex}
.pcj-sbox{width:100%;max-width:600px;background:#fff;border-radius:18px;overflow:hidden;box-shadow:0 40px 90px rgba(0,0,0,.4)}
.pcj-sbox input{width:100%;border:0;outline:0;padding:18px 22px;font:600 1.05rem var(--f-body);color:var(--ink);border-bottom:1px solid var(--line)}
.pcj-sres{max-height:50vh;overflow:auto}
.pcj-sres a{display:block;padding:13px 22px;text-decoration:none;border-bottom:1px solid #f4ede3}
.pcj-sres a b{color:var(--navy);font-size:.95rem;display:block}
.pcj-sres a small{color:var(--muted);font-size:.78rem}
.pcj-sres a:hover,.pcj-sres a.sel{background:var(--cream)}
.pcj-sempty{padding:18px 22px;color:var(--muted);font-size:.9rem}
/* glossary */
.gterm{border-bottom:1.5px dotted var(--orange-600);cursor:help;position:relative}
/* learn quiz */
.lq-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;margin:26px 0}
.lq-wrap h3{color:var(--navy);margin-bottom:12px}
.lq-q{margin-bottom:14px}
.lq-q b{display:block;color:var(--ink);font-size:.95rem;margin-bottom:8px}
.lq-opt{display:block;width:100%;text-align:left;background:var(--cream);border:1.5px solid var(--line);border-radius:10px;padding:10px 14px;margin-bottom:6px;font:500 .88rem var(--f-body);cursor:pointer}
.lq-opt.ok{background:#e6f4ec;border-color:#0d7a4d;color:#0d7a4d;font-weight:700}
.lq-opt.no{background:#fdecec;border-color:#b03030;color:#b03030}
.lq-score{font:800 1rem var(--f-head);color:var(--navy);margin-top:10px}
.learn-done{position:absolute;top:12px;right:12px;background:var(--green);color:#fff;border-radius:100px;font:700 .68rem var(--f-head);padding:4px 10px}
.learn-prog{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:100px;padding:7px 16px;font:700 .8rem var(--f-head);color:var(--navy);margin-top:8px}
/* payoff + candle */
.fx-wrap{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;margin:26px 0}
.fx-wrap h3{color:var(--navy);margin-bottom:10px}
.fx-ctl{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:12px}
.fx-ctl label{font:600 .78rem var(--f-head);color:var(--muted);display:block}
.fx-ctl select,.fx-ctl input[type=range]{width:100%;margin-top:4px}
.fx-ctl select{border:1.5px solid var(--line);border-radius:10px;padding:8px}
#fxCanvas,#pxCanvas{width:100%;background:var(--cream);border-radius:12px}
.cd-wrap{display:grid;grid-template-columns:220px 1fr;gap:20px;align-items:center}
.cd-tip{background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:14px 16px;font-size:.9rem;color:var(--ink);min-height:70px}
.cd-hot{cursor:pointer}
.cd-hot:hover{opacity:.75}
@media(max-width:760px){.gw-goals,.gw-fields,.gw-out,.lab-2col,.xr-top,.lab-res{grid-template-columns:1fr}.mh-row{grid-template-columns:1fr}.cd-wrap{grid-template-columns:1fr}#tools-home .hsteps,#tools-row .hsteps{grid-template-columns:1fr !important}.fx-ctl{grid-template-columns:1fr}}

/* ---------- batch B/C/D widgets ---------- */
.we-sel{width:100%;border:1.5px solid var(--line);border-radius:10px;padding:11px 12px;font:600 .95rem var(--f-body);background:#fff;color:var(--ink)}
.we-out{margin-top:16px;background:var(--cream);border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.we-out h4{color:var(--navy);margin-bottom:6px}
.we-out p{color:#41506c;font-size:.92rem;margin-bottom:12px}
.wmc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.wmc{background:#fff;border:1.5px solid var(--line);border-radius:var(--r-lg);padding:22px;cursor:pointer;transition:.2s}
.wmc:hover{border-color:var(--orange)}
.wmc h3{color:var(--navy);font-size:1.15rem}
.wmc>small{color:var(--orange-600);font-weight:700;font-family:var(--f-head);font-size:.78rem}
.wmc-body{max-height:0;overflow:hidden;transition:max-height .4s ease}
.wmc.open .wmc-body{max-height:420px}
.wmc.open{border-color:var(--navy)}
.wmc-r{display:grid;grid-template-columns:96px 1fr;gap:8px;padding:9px 0;border-bottom:1px solid #f4ede3;font-size:.85rem}
.wmc-r b{color:var(--navy)}
.wmc-r span{color:#41506c}
.ipo-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:20px 22px;display:grid;grid-template-columns:1fr auto;gap:14px;align-items:center;margin-bottom:12px}
.ipo-card h4{color:var(--navy);font-size:1.05rem}
.ipo-meta{display:flex;gap:16px;flex-wrap:wrap;margin-top:6px;font-size:.82rem;color:var(--muted)}
.ipo-meta b{color:var(--ink)}
.ipo-tag{display:inline-block;font:700 .68rem var(--f-head);letter-spacing:.06em;text-transform:uppercase;border-radius:100px;padding:4px 12px;margin-left:8px}
.ipo-tag.open{background:#e6f4ec;color:#0d7a4d}
.ipo-tag.upcoming{background:var(--peach-tint);color:var(--orange-600)}
.ipo-tag.closed{background:#eee;color:#777}
.ipo-empty{background:#fff;border:1px dashed var(--line-2);border-radius:var(--r-lg);padding:26px;text-align:center;color:var(--muted)}
.ij-strip{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}
.ij-s{background:#fff;border:1.5px solid var(--line);border-radius:14px;padding:16px 14px;text-align:left;cursor:pointer;transition:.2s;font-family:var(--f-body)}
.ij-s b{display:inline-flex;width:26px;height:26px;border-radius:50%;background:var(--peach-tint);color:var(--orange-600);align-items:center;justify-content:center;font-family:var(--f-head);margin-bottom:8px}
.ij-s small{display:block;color:var(--muted);font-size:.76rem;line-height:1.5;margin-top:2px}
.ij-s{color:var(--navy);font-weight:700;font-size:.9rem}
.ij-s.on{border-color:var(--orange);box-shadow:0 10px 26px rgba(250,133,79,.16)}
.ij-s.on b{background:var(--orange);color:#fff}
.ft-tour{margin-top:18px;text-align:center}
.ft-btns{display:flex;gap:8px;justify-content:center;flex-wrap:wrap;margin:10px 0}
.ft-b{border:1.5px solid var(--line);background:#fff;border-radius:100px;padding:9px 18px;font:700 .82rem var(--f-head);color:var(--navy);cursor:pointer;transition:.15s}
.ft-b.on,.ft-b:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.ft-cap{max-width:560px;margin:0 auto;color:#41506c;font-size:.92rem}
.shot.ft-hi{outline:3px solid var(--orange);outline-offset:4px;border-radius:14px}
.ht-opts{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.ht-opt{background:var(--cream);border:1.5px solid var(--line);border-radius:12px;padding:14px 16px;font:600 .95rem var(--f-body);color:var(--ink);text-align:left;cursor:pointer}
.ht-opt:hover{border-color:var(--orange);background:#fff}
.ht-back{border:0;background:none;color:var(--orange-600);font:700 .82rem var(--f-head);cursor:pointer;margin-bottom:10px}
.ht-links{display:grid;gap:8px}
.ht-links a{display:flex;justify-content:space-between;align-items:center;background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px 16px;color:var(--navy);font-weight:700;text-decoration:none;font-size:.92rem}
.ht-links a:hover{border-color:var(--orange)}
.ht-links a small{color:var(--muted);font-weight:500}
.cq-rows{display:grid;gap:10px}
.cq-r{display:grid;grid-template-columns:150px 1fr auto;gap:10px;align-items:center;background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:12px 16px;font-size:.92rem}
.cq-r span{color:var(--muted)}
.cq-r b{color:var(--navy)}
@media(max-width:860px){.wmc-grid{grid-template-columns:1fr}.ij-strip{grid-template-columns:1fr}.ht-opts{grid-template-columns:1fr}.ipo-card{grid-template-columns:1fr}}

/* wm compare: all three always open (no empty cards) */
.wmc .wmc-body{max-height:none;overflow:visible}
.wmc{cursor:default}
.wmc:hover{border-color:var(--line)}
.wmc.open{border-color:var(--line)}
.wmc h3{margin-bottom:2px}

/* faq collapse */
.faq-item.faq-hid{display:none}
.faq-searching .faq-item.faq-hid{display:block}
.faq-more{display:block;margin:16px auto 0;border:1.6px solid var(--navy);background:#fff;color:var(--navy);border-radius:100px;padding:12px 26px;font:700 .9rem var(--f-head);cursor:pointer;transition:.2s}
.faq-more:hover{background:var(--navy);color:#fff}

/* ---------- responsive hardening pack (03-Jul-2026) ---------- */
@media(max-width:1100px){
#tools-home .hsteps,#tools-row .hsteps{grid-template-columns:repeat(2,1fr) !important}
.mega,.mega-sm{width:min(92vw,560px)}
}
@media(max-width:1024px){
/* drawer takes over: never show desktop dropdown panels or search btn crowding */
.dropdown{display:none !important}
.pcj-searchbtn{width:36px;height:36px;margin-right:2px}
}
@media(max-width:860px){
.cmp-r{grid-template-columns:1fr auto auto;gap:8px;font-size:.84rem;padding:12px 14px}
.lab-res3{grid-template-columns:1fr}
.xr-tbl,.bank-tbl,.tbl{display:block;overflow-x:auto;-webkit-overflow-scrolling:touch;white-space:nowrap}
.screengrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:12px}
}
@media(max-width:720px){
.pbanner h1{font-size:1.7rem}
.util{display:none}
.hero-cta .btn{width:100%;justify-content:center}
.rq-ctas .btn,.gw-nav .btn{flex:1;justify-content:center;min-width:150px}
.store-badges{flex-wrap:wrap}
.qrcard{width:100%}
.appdl{grid-template-columns:1fr}
.pcj-so{padding:8vh 12px 12px}
.pcj-nudge{left:12px;right:auto;bottom:88px;max-width:76vw}
.pcj-toast{width:calc(100vw - 40px);text-align:center}
.faq-q{font-size:.92rem;text-align:left}
.gwo b{font-size:1.05rem}
.wmc-r{grid-template-columns:86px 1fr}
.cq-r{grid-template-columns:1fr;gap:6px}
.cq-r .copy-btn{justify-self:start}
.oa-item small{display:block}
#fxCanvas{height:220px}
.cf-nav{flex-wrap:wrap}
.dlc-seg{overflow-x:auto}
}
@media(max-width:640px){
#tools-home .hsteps,#tools-row .hsteps{grid-template-columns:1fr !important}
.gw-goals{grid-template-columns:1fr}
.ij-strip{grid-template-columns:1fr}
.calc-pills{overflow-x:auto;flex-wrap:nowrap;-webkit-overflow-scrolling:touch;padding-bottom:6px}
.calc-pills .calc-tab{white-space:nowrap}
}

/* footer: 5 organised columns */
.foot-top{grid-template-columns:1.25fr 1fr 1fr 1fr .95fr 1.05fr;gap:30px;padding:52px 0 36px}
.foot-col h5{white-space:nowrap}
.foot-col a{font-size:.82rem}
@media(max-width:1200px){.foot-top{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:720px){.foot-top{grid-template-columns:1fr 1fr}.foot-brand{grid-column:1/-1}}

/* reg band: framed, centered (option 2) */
.reg-band{text-align:center;border-top:0;padding:22px 0}
.reg-band-in{display:inline-block;border-top:2px solid var(--orange);border-bottom:2px solid var(--orange);padding:12px 28px;font-size:.76rem;letter-spacing:.04em;color:#fff;line-height:2;max-width:100%}
.reg-band .rl{color:#f4a97e;font-weight:700}
.reg-band i{font-style:normal;color:rgba(255,255,255,.45);margin:0 6px}
@media(max-width:720px){.reg-band-in br{display:none}.reg-band-in{padding:12px 16px}}

/* reg band: single line */
.reg-band-in{line-height:1.7;white-space:nowrap;overflow-x:auto;max-width:100%;padding:10px 24px}
@media(max-width:900px){.reg-band-in{white-space:normal}}

/* ---------- site canvas: terminal grid + rotating PCJ sun (user pick 03-Jul-2026) ---------- */
html{background:var(--canvas,#FAC4A3)}
body{background:transparent}
body::before{content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;
  background-image:
    linear-gradient(rgba(29,47,79,.06) 1px,transparent 1px),
    linear-gradient(90deg,rgba(29,47,79,.06) 1px,transparent 1px);
  background-size:44px 44px,44px 44px}
body::after{content:"";position:fixed;top:-150px;right:-150px;width:600px;height:600px;z-index:-1;pointer-events:none;
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 100 100'%3E%3Cg stroke='%23f2743a' stroke-width='2.2'%3E%3Cline x1='50' y1='50' x2='50' y2='4'/%3E%3Cline x1='50' y1='50' x2='82' y2='18'/%3E%3Cline x1='50' y1='50' x2='96' y2='50'/%3E%3Cline x1='50' y1='50' x2='82' y2='82'/%3E%3Cline x1='50' y1='50' x2='50' y2='96'/%3E%3Cline x1='50' y1='50' x2='18' y2='82'/%3E%3Cline x1='50' y1='50' x2='4' y2='50'/%3E%3Cline x1='50' y1='50' x2='18' y2='18'/%3E%3Cline x1='50' y1='50' x2='68' y2='8'/%3E%3Cline x1='50' y1='50' x2='92' y2='32'/%3E%3Cline x1='50' y1='50' x2='92' y2='68'/%3E%3Cline x1='50' y1='50' x2='68' y2='92'/%3E%3Cline x1='50' y1='50' x2='32' y2='92'/%3E%3Cline x1='50' y1='50' x2='8' y2='68'/%3E%3Cline x1='50' y1='50' x2='8' y2='32'/%3E%3Cline x1='50' y1='50' x2='32' y2='8'/%3E%3C/g%3E%3Ccircle cx='50' cy='50' r='12' fill='%23f2743a'/%3E%3C/svg%3E") center/contain no-repeat;opacity:.12;
  animation:pcjSunSpin 70s linear infinite;transform-origin:50% 50%}
@keyframes pcjSunSpin{from{transform:rotate(0)}to{transform:rotate(360deg)}}
@media (prefers-reduced-motion: reduce){body::after{animation:none}}
@media(max-width:720px){body::after{width:320px;height:320px;top:-90px;right:-90px}body::before{background-size:40px 40px,40px 40px}}
@media print{body::before,body::after{display:none}}

/* ---------- showroom-floor screenshots (user pick: style 3) ---------- */
.screengrid{display:flex !important;gap:clamp(14px,2vw,28px);justify-content:center;align-items:flex-end;perspective:1100px;flex-wrap:wrap;position:relative;padding-bottom:38px}
.screengrid .shot{flex:0 1 200px;transition:transform .45s ease,box-shadow .45s ease;will-change:transform;border-radius:18px}
.screengrid .shot:nth-child(odd){transform:rotateY(18deg)}
.screengrid .shot:nth-child(even){transform:rotateY(-18deg)}
.screengrid .shot:hover{transform:rotateY(0) translateY(-16px) scale(1.05);z-index:5;box-shadow:0 30px 60px -26px rgba(18,31,54,.45)}
.screengrid::after{content:"";position:absolute;left:6%;right:6%;bottom:8px;height:18px;background:radial-gradient(50% 100% at 50% 0,rgba(18,31,54,.20),transparent 70%);border-radius:50%;pointer-events:none}
.screengrid .shot.ft-hi{transform:rotateY(0) translateY(-10px) scale(1.04)}
@media(max-width:860px){.screengrid .shot{flex-basis:150px}.screengrid .shot:nth-child(odd){transform:rotateY(12deg)}.screengrid .shot:nth-child(even){transform:rotateY(-12deg)}}
@media (prefers-reduced-motion: reduce){.screengrid .shot,.screengrid .shot:nth-child(odd),.screengrid .shot:nth-child(even){transform:none}}

/* universe grid: 5 columns => two perfectly balanced rows of 5 (no orphan row) */
.universe{grid-template-columns:repeat(5,1fr)}
.ucard{padding:22px 20px}
@media(max-width:1150px){.universe{grid-template-columns:repeat(3,1fr)}}
@media(max-width:720px){.universe{grid-template-columns:repeat(2,1fr)}}

/* ---------- universe: random mosaic (user pick: style 10 + shuffle every load) ---------- */
.universe{grid-template-columns:repeat(4,1fr);grid-auto-rows:118px;grid-auto-flow:dense;gap:14px}
.universe .ucard{display:flex;flex-direction:column;justify-content:flex-end;padding:18px 20px;transition:transform .25s ease,border-color .25s ease,box-shadow .25s ease}
.universe .ucard:hover{transform:translateY(-6px);border-color:var(--orange);box-shadow:0 18px 40px -18px rgba(18,31,54,.25)}
.universe .ucard.u-big{grid-row:span 2}
.universe .ucard.u-wide{grid-column:span 2}
.universe .ucard.u-navy{background:var(--navy);border-color:var(--navy)}
.universe .ucard.u-navy h3,.universe .ucard.u-navy b{color:#fff}
.universe .ucard.u-navy p,.universe .ucard.u-navy small{color:#c8d2e4}
.universe .ucard.u-navy .uic{background:rgba(255,255,255,.12);color:#f4a97e}
.universe .ucard.u-big h3,.universe .ucard.u-big b{font-size:1.18rem}
@media(max-width:1150px){.universe{grid-template-columns:repeat(3,1fr)}}
@media(max-width:720px){.universe{grid-template-columns:repeat(2,1fr);grid-auto-rows:112px}.universe .ucard.u-wide{grid-column:span 2}}

/* mosaic fixes: h4 titles on navy tiles, no clipping, icon contrast, tidy hero tile */
.universe{grid-auto-rows:128px}
.universe .ucard{overflow:hidden}
.universe .uic{width:40px;height:40px;margin-bottom:10px;flex-shrink:0}
.universe .ucard h4{font-size:.98rem;line-height:1.3}
.universe .ucard p{font-size:.78rem;line-height:1.45;margin-top:3px}
.universe .ucard.u-navy h4{color:#fff}
.universe .ucard.u-navy p{color:#c8d2e4}
.universe .ucard.u-navy .uic{background:rgba(255,255,255,.16);color:#f4a97e}
.universe .ucard.u-navy .uic svg{stroke:#f4a97e}
.universe .ucard.u-navy::after{color:#f4a97e}
.universe .ucard.u-big h4{font-size:1.22rem}
.universe .ucard.u-big .uic{width:52px;height:52px;margin-bottom:14px}
.universe .ucard.u-big p{font-size:.86rem}
.universe .ucard.u-navy:hover{border-color:var(--orange);background:var(--navy)}

/* ---------- Built-for: Cream vs Navy (user pick) ---------- */
.vsmark{position:relative}
.vsmark::after{content:"VS";position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:62px;height:62px;border-radius:50%;background:var(--orange);color:#fff;display:flex;align-items:center;justify-content:center;font:800 1rem var(--f-head);box-shadow:0 14px 34px -10px rgba(242,116,58,.6);z-index:5}
.vs{display:grid;grid-template-columns:1fr 1fr;border-radius:26px;overflow:hidden;border:1px solid var(--line)}
.vs-half{padding:40px 34px 44px;text-align:center;position:relative;transition:background .35s}
.vs-half h3{font-size:1.5rem;color:var(--navy);margin-bottom:8px}
.vs-half p{color:var(--muted);font-size:.94rem;line-height:1.7;max-width:420px;margin:0 auto 18px}
.vs-a{background:var(--cream)}
.vs-b{background:var(--navy)}
.vs-b h3{color:#fff}
.vs-b p{color:#c8d2e4}
.vs-badge{font-family:var(--f-serif);font-style:italic;font-size:.95rem;color:var(--orange-600);font-weight:700}
.vs-b .vs-badge{color:#f4a97e}
.vs-half .device{transition:transform .4s ease}
.vs-half:hover .device{transform:translateY(-10px) scale(1.04)}
@media(max-width:860px){.vs{grid-template-columns:1fr}.vsmark::after{width:52px;height:52px;font-size:.85rem}}

/* step/tool cards: exact canvas peach instead of white (user 03-Jul) */
.hstep{background:#FAC4A3;border-color:rgba(29,47,79,.22)}
.hstep h4{color:var(--navy)}
.hstep p{color:#41506c}
.tool-card:hover,.hstep:hover{background:#FAC4A3;border-color:var(--orange);box-shadow:0 16px 34px rgba(20,30,55,.14)}

/* ================= FLAT PEACH DESIGN STORY — site-wide (user 03-Jul-2026) =================
   Every card surface = exact canvas #FAC4A3 + navy hairline. Kept for contrast: navy tiles,
   vs-b half, gwo.hot, appdl band, calc-result, cta-band, footer, dropdown menus, search modal,
   form inputs, QR white pads, store badges. */
.card,.ucard,.t-card,.rq-wrap,.wmc,.ipo-card,.ipo-empty,.lab-card,.gw-wrap,.xr-in,.xr-out,
.oa-wrap,.dlc-card,.cf-card,.faq-item,.form-card,.hero-card2,.pillar,.svc,.feat,.kb-card,.lcard,
.mh-row,.ht-links a,.pg,.wmc,.we-out,.qrcard,.cq-r,.ht-opt,.oa-item,.gwo,.calc-wrap,.mchip,.dist,
.pteaser,.vs{background:#FAC4A3}
.card,.ucard,.t-card,.rq-wrap,.wmc,.ipo-card,.lab-card,.gw-wrap,.xr-in,.xr-out,.oa-wrap,.dlc-card,
.cf-card,.faq-item,.form-card,.pillar,.svc,.feat,.kb-card,.lcard,.mh-row,.ht-links a,.we-out,
.qrcard,.cq-r,.ht-opt,.oa-item,.gwo,.calc-wrap,.pteaser,.vs,.ipo-empty{border-color:rgba(29,47,79,.22)}
.vs-a{background:#FAC4A3}
.ij-s{background:#FAC4A3;border-color:rgba(29,47,79,.22)}
.faq-more{background:transparent}
.calc-tab,.dlc-tab{background:#FAC4A3}
.seg{background:#FAC4A3}
/* keep navy/contrast anchors exactly as designed */
.ucard.u-navy,.vs-b,.gwo.hot,.cf-card.active{background:var(--navy)}
.gwo.hot{border-color:var(--navy)}
.calc-tab.active,.dlc-tab.active{background:var(--navy)}
.cgroup .calc-tab.active,.calc-pills .calc-tab.active{background:var(--orange)}
/* usability: inputs, selects, textareas stay white everywhere */
input[type=text],input[type=tel],input[type=email],input[type=number],input[type=search],select,textarea{background:#fff !important}
.we-sel{background:#fff !important}
/* QR images keep white pads for scannability */
.qrcard img,.hero-scan img,#ipo-corner img,.reg-band ~ * .qr{background:#fff}
/* dropdown menus + search modal stay white (floating layers need separation) */
.dropdown,.dropdown.mega,.mega-sm,.pcj-sbox,.acc-panel{background:#fff}
/* muted text a touch deeper on peach for readability */
.t-card p,.faq-a p,.wmc-r span{color:#41506c}
.wmc-r{border-bottom-color:rgba(29,47,79,.12)}
.faq-q{background:transparent}

/* ============ refinements (user 03-Jul): orange universe tiles · cream calculator · navy forms ============ */
/* 1) universe feature tiles: orange instead of navy, navy text for readability */
.universe .ucard.u-navy{background:linear-gradient(135deg,#fa854f 0%,#f2743a 100%);border-color:#f2743a}
.universe .ucard.u-navy h4,.universe .ucard.u-navy h3,.universe .ucard.u-navy b{color:var(--navy)}
.universe .ucard.u-navy p,.universe .ucard.u-navy small{color:rgba(29,47,79,.85)}
.universe .ucard.u-navy .uic{background:#fff;color:var(--orange-600)}
.universe .ucard.u-navy .uic svg{stroke:var(--orange-600)}
.universe .ucard.u-navy::after{color:var(--navy)}
.universe .ucard.u-navy:hover{border-color:var(--navy);background:linear-gradient(135deg,#fa854f 0%,#ef6a2e 100%)}
/* 2) calculator panel: cream again */
.calc-wrap{background:linear-gradient(180deg,#fff,var(--cream));border-color:var(--line)}
.calc-tab{background:#fff;border-color:var(--line)}
.seg{background:#fff}
/* 3) request/lead forms: navy card, on every page */
.form-card{background:var(--navy);border-color:var(--navy)}
.form-card h2,.form-card h3,.form-card h4{color:#fff}
.form-card label{color:#e8edf6}
.form-card p,.form-card small,.form-card .fp,.form-card .wd-fine{color:#c8d2e4}
.form-card a{color:#f4a97e}

/* remaining card families -> canvas peach (user 03-Jul, about/values + misc) */
.values .value,.about-card,.leader,.icard,.fact,.step-card,.tl-card,.press-card,.gal-card{background:#FAC4A3;border-color:rgba(29,47,79,.22)}
.values .value.hl,.values .value.alt{background:#FAC4A3}
.tbl tr:nth-child(even) td{background:rgba(29,47,79,.045)}
.tbl th{background:var(--navy)}

/* related-products strip: brand tint icons + wrap for 8 cards (user 03-Jul) */
.svc .s-ic{background:#fdeadd;color:var(--orange-600)}
.svc:hover .s-ic{background:var(--orange);color:#fff}
.svc-grid{grid-template-columns:repeat(auto-fit,minmax(235px,1fr))}

/* "In Depth" sections: magazine style — 2 columns, drop cap (user pick #7, 03-Jul) */
.mgz{columns:2;column-gap:48px}
.mgz h3,.mgz h4{break-after:avoid;break-inside:avoid;margin-top:20px}
.mgz>h3:first-child,.mgz>h4:first-child{margin-top:0}
.mgz p{line-height:1.8}
.mgz p.lead::first-letter{font-family:'Libre Baskerville',Georgia,serif;font-size:3.6rem;font-weight:700;float:left;line-height:.82;margin:5px 10px 0 0;color:var(--orange-600)}
.mgz ul,.mgz ol,.mgz table{break-inside:avoid}
@media(max-width:860px){.mgz{columns:1}}

/* In Depth magazine: widen to full content width (user 03-Jul) */
main .container:has(.prose.mgz){max-width:var(--maxw) !important}
main .rq-wrap:has(> .prose.mgz){max-width:var(--maxw) !important}
.prose.mgz{max-width:none;column-gap:56px}

/* related-products / svc strips: center incomplete last rows (user 03-Jul) */
.svc-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:18px}
.svc-grid>*{flex:0 1 302px}
@media(max-width:720px){.svc-grid>*{flex:1 1 100%}}

/* CTA band: tighter height (user 03-Jul) */
.cta-band{padding:36px 28px}
.cta-band h2{margin-bottom:6px}
.cta-band p{margin-bottom:16px}
.cta-band .hero-cta{margin-top:4px}

/* CTA band: compact version (user 03-Jul) */
.cta-band{padding:24px 24px !important;min-height:0}
.cta-band h2{font-size:1.35rem;margin:0 0 4px}
.cta-band p{font-size:.95rem;line-height:1.5;margin:0 auto 14px;max-width:640px}
.cta-band .hero-cta{margin:0;gap:10px}
.cta-band .btn,.cta-band .btn-lg{padding:11px 24px;font-size:.9rem}

/* magazine columns: never slice any box across columns (user 03-Jul) */
.mgz div,.mgz figure,.mgz blockquote,.mgz img,.mgz .note,.mgz ul,.mgz ol,.mgz table{break-inside:avoid;-webkit-column-break-inside:avoid}
.mgz h3,.mgz h4{break-after:avoid}



/* ---- audit accessibility fixes (user 03-Jul) ---- */
.btn-primary{background:#c0501e}
.btn-primary:hover{background:#b5491a}
.nav-links li:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.alert-bar:hover .alert-track,.alert-bar:focus-within .alert-track{animation-play-state:paused}
@media(prefers-reduced-motion:reduce){.alert-track{animation:none;transform:translateX(0)}}

/* ---------- Heritage Desk hero (user pick 03-Jul-2026) ---------- */
.hd-hero{position:relative;overflow:hidden;background:transparent;display:flex;align-items:center;padding:clamp(22px,3.2vh,36px) 0 clamp(26px,3.8vh,42px)}
.hd-side{position:absolute;left:22px;top:50%;transform:translateY(-50%) rotate(180deg);writing-mode:vertical-rl;white-space:nowrap;font-size:.6rem;letter-spacing:.3em;text-transform:uppercase;color:var(--orange-600);opacity:.9;z-index:1;pointer-events:none;user-select:none}
.hd-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.18fr .82fr;gap:38px;align-items:center;width:100%}
.hd-kicker{display:flex;align-items:center;gap:14px;margin:0 0 14px;color:var(--orange-600);font-size:.72rem;font-weight:700;letter-spacing:.34em;text-transform:uppercase}
.hd-kicker::before{content:"";width:44px;height:1px;background:linear-gradient(90deg,var(--orange-600),transparent);flex:0 0 auto}
.hd-h1{font-family:var(--f-serif);font-weight:400;font-size:clamp(2.15rem,1.6rem+2.5vw,3.45rem);line-height:1.12;letter-spacing:-.01em;margin:0 0 8px;color:var(--navy)}
.hd-h1 em{font-style:italic;color:var(--orange-600)}
.hd-h1 .row2{display:block;color:#41506c}
.hd-quote{font-family:var(--f-serif);font-style:italic;color:var(--orange-600);margin:10px 0 0;font-size:.95rem}
.hd-sub{color:#4a5670;line-height:1.75;font-size:.94rem;max-width:60ch;margin:12px 0 22px}
.hd-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center;margin-bottom:24px}
.hd-btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;font-size:.9rem;border-radius:999px;padding:13px 23px;transition:.25s;cursor:pointer;text-decoration:none}
.hd-btn svg{transition:.25s}
.hd-btn:hover svg{transform:translateX(4px)}
.hd-btn-navy{background:var(--navy);color:#fff;box-shadow:0 22px 50px -18px rgba(29,47,79,.55)}
.hd-btn-navy:hover{background:var(--orange-600);transform:translateY(-3px);color:#fff}
.hd-btn-ghost{border:1.5px solid rgba(29,47,79,.35);color:var(--navy)}
.hd-btn-ghost:hover{border-color:var(--orange-600);color:var(--orange-600)}
.hd-stats{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid rgba(176,141,95,.45)}
.hd-stats>div{padding:12px 18px 0;border-left:1px solid rgba(176,141,95,.45)}
.hd-stats>div:first-child{border-left:none;padding-left:0}
.hd-stats b{display:block;font-family:var(--f-serif);font-size:1.3rem;color:var(--navy);font-weight:400}
.hd-stats small{color:var(--orange-600);font-size:.72rem;letter-spacing:.08em;text-transform:uppercase}
.hd-mem{display:flex;align-items:center;gap:8px;flex-wrap:wrap;margin-top:20px}
.hd-mem span{font-size:.7rem;font-weight:700;letter-spacing:.06em;padding:6px 12px;border-radius:999px;border:1px solid rgba(29,47,79,.3);color:var(--navy);background:transparent}
.hd-scene{position:relative;display:flex;justify-content:center;padding:2px 0}
.hd-halo{position:absolute;inset:8% 12%;border-radius:50%;background:radial-gradient(circle,rgba(250,133,79,.30),transparent 65%);filter:blur(12px)}
.hd-ph{position:relative;width:min(246px,66vw);border-radius:37px;padding:9px;background:#0b1120;animation:hdFloat 7s ease-in-out infinite;
  box-shadow:inset 0 0 0 2px rgba(250,133,79,.35)}
.hd-ph::before{content:"";position:absolute;top:17px;left:50%;transform:translateX(-50%);width:76px;height:19px;border-radius:14px;background:#0b1120;z-index:3}
.hd-scr{border-radius:29px;overflow:hidden;background:#101828}
.hd-scr img{width:100%;height:auto;display:block}
.hd-fc{position:absolute;display:flex;gap:10px;align-items:center;background:#fff;border-radius:14px;padding:10px 14px;box-shadow:0 26px 60px -24px rgba(13,22,38,.5);z-index:8}
.hd-fc .ic{width:34px;height:34px;flex:0 0 34px;border-radius:10px;display:grid;place-items:center;color:#fff}
.hd-fc .ic svg{width:19px;height:19px}
.hd-fc .ic.g{background:var(--green)}
.hd-fc .ic.o{background:var(--orange)}
.hd-fc small{display:block;font-size:.62rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#8891a5}
.hd-fc b{font-size:.88rem;color:var(--navy)}
.hd-fc .up{color:var(--green)}
.hd-fc-a{top:6%;left:-6%;animation:hdFloat 6s .8s ease-in-out infinite}
.hd-fc-b{bottom:9%;right:-4%;animation:hdFloat 6.6s .3s ease-in-out infinite}
@keyframes hdFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-13px)}}
@media (prefers-reduced-motion:reduce){.hd-ph,.hd-fc-a,.hd-fc-b{animation:none}}
@media (max-width:1280px){.hd-side{display:none}}
@media (max-width:1024px){.hd-grid{grid-template-columns:1fr;gap:28px}.hd-scene{order:-1;padding:2px 0}.hd-hero{padding:22px 0 38px}.hd-fc-a{left:2%}.hd-fc-b{right:2%}}
@media (max-width:560px){.hd-stats>div{padding:14px 12px 0}.hd-stats b{font-size:1.2rem}.hd-fc{transform:scale(.9)}.hd-fc-a{left:-2%}.hd-fc-b{right:-2%}}

/* ---------- Heritage Desk: align why-strip + stats rows (index) ---------- */
.hd-hero~.why-strip{background:transparent;border:0;padding:8px 0 0}
.hd-hero~.why-strip .why-grid{grid-template-columns:repeat(4,1fr);gap:26px}
.hd-hero~.stats .stats-grid{grid-template-columns:repeat(4,1fr);gap:20px;padding:22px 0 30px;margin-top:16px;border-top:1px solid rgba(176,141,95,.45)}
.hd-hero~.stats .stat{text-align:center;border-left:1px solid rgba(176,141,95,.45)}
.hd-hero~.stats .stat:first-child{border-left:0}
.hd-hero~.stats .stat .num{color:var(--green);font-family:var(--f-serif);font-weight:700;font-size:clamp(1.8rem,3vw,2.5rem)}
.hd-hero~.stats .stat .num .u{color:var(--orange-600)}
.hd-hero~.stats .stat .cap{color:var(--orange-600);font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-top:3px}
@media(max-width:900px){
  .hd-hero~.why-strip .why-grid{grid-template-columns:1fr 1fr;gap:20px}
  .hd-hero~.stats .stats-grid{grid-template-columns:1fr 1fr;gap:26px 20px}
  .hd-hero~.stats .stat:nth-child(odd){border-left:0}
}
@media(max-width:560px){
  .hd-hero~.why-strip .why-grid{grid-template-columns:1fr}
  .hd-hero~.stats .stats-grid{grid-template-columns:1fr 1fr}
}