@import url("https://fonts.googleapis.com/css2?family=IBM+Plex+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;1,400&display=swap");

:root {
  --color-primary: #0f172a;
  --color-on-primary: #ffffff;
  --color-secondary: #334155;
  --color-accent: #09a6ff;
  --color-accent-strong: #0077cc;
  --color-background: #f8fafc;
  --color-surface: #ffffff;
  --color-foreground: #020617;
  --color-muted: #e8ecf1;
  --color-muted-text: #475569;
  --color-border: #e2e8f0;
  --color-destructive: #dc2626;
  --color-ring: #09a6ff;
  --color-success: #0f766e;
  --space-xs: 0.25rem;
  --space-sm: 0.5rem;
  --space-md: 1rem;
  --space-lg: 1.5rem;
  --space-xl: 2rem;
  --space-2xl: 3rem;
  --space-3xl: 4rem;
  --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.05);
  --shadow-md: 0 4px 12px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 12px 28px rgba(15, 23, 42, 0.12);
  --shadow-xl: 0 24px 48px rgba(15, 23, 42, 0.18);
  --radius: 12px;
  --radius-lg: 16px;
  --header-h: 76px;
  --container: 72rem;
  --font: "IBM Plex Sans", system-ui, sans-serif;
  --ease: 200ms ease;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

html:focus-within {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  color: var(--color-foreground);
  background: var(--color-background);
  padding-top: var(--header-h);
}

img,
svg {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--color-accent-strong);
  text-underline-offset: 0.18em;
}

a:hover {
  color: var(--color-accent);
}

:focus-visible {
  outline: 3px solid var(--color-ring);
  outline-offset: 3px;
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: -100px;
  z-index: 100;
  background: var(--color-accent);
  color: #041018;
  padding: 0.75rem 1rem;
  font-weight: 600;
  border-radius: 8px;
  text-decoration: none;
}

.skip-link:focus {
  top: 1rem;
}

.container {
  width: min(100% - 2rem, var(--container));
  margin-inline: auto;
}

@media (min-width: 768px) {
  .container {
    width: min(100% - 3rem, var(--container));
  }
}

@media (min-width: 1024px) {
  .container {
    width: min(100% - 4rem, var(--container));
  }
}

.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 50;
  height: var(--header-h);
  background: rgba(15, 23, 42, 0.94);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(9, 166, 255, 0.18);
}

.header-inner {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}

.logo {
  display: flex;
  align-items: center;
  min-height: 44px;
  flex-shrink: 0;
  text-decoration: none;
}

.logo img {
  height: 40px;
  width: auto;
}

.nav-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  background: transparent;
  color: #fff;
  border-radius: 8px;
  cursor: pointer;
  transition: background var(--ease), border-color var(--ease);
}

.nav-toggle:hover {
  background: rgba(9, 166, 255, 0.15);
  border-color: var(--color-accent);
}

.nav-toggle svg {
  width: 22px;
  height: 22px;
}

@media (min-width: 1100px) {
  .nav-toggle {
    display: none;
  }
}

.site-nav {
  display: none;
}

.site-nav.is-open,
.site-nav[data-open="true"] {
  display: block;
}

@media (min-width: 1100px) {
  .site-nav {
    display: block;
  }
}

.nav-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 0.25rem 0.15rem;
  justify-content: flex-end;
}

.nav-list a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 0 0.55rem;
  color: rgba(255, 255, 255, 0.86);
  text-decoration: none;
  font-size: 0.86rem;
  font-weight: 500;
  border-radius: 8px;
  cursor: pointer;
  transition: color var(--ease), background var(--ease);
}

.nav-list a:hover,
.nav-list a[aria-current="page"] {
  color: #fff;
  background: rgba(9, 166, 255, 0.16);
}

.nav-list a[aria-current="page"] {
  color: var(--color-accent);
}

@media (max-width: 1099px) {
  .site-nav {
    position: absolute;
    top: var(--header-h);
    left: 0;
    right: 0;
    background: #0b1224;
    border-bottom: 1px solid rgba(9, 166, 255, 0.2);
    padding: 0.75rem 1rem 1.25rem;
    box-shadow: var(--shadow-lg);
  }

  .nav-list {
    flex-direction: column;
  }

  .nav-list a {
    width: 100%;
  }
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: 48px;
  padding: 0.75rem 1.35rem;
  border-radius: 8px;
  font: inherit;
  font-weight: 600;
  text-decoration: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background var(--ease), transform var(--ease), box-shadow var(--ease), border-color var(--ease), color var(--ease);
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-primary {
  background: var(--color-accent);
  color: #041018;
  box-shadow: 0 8px 20px rgba(9, 166, 255, 0.28);
}

.btn-primary:hover {
  background: #3bb8ff;
  color: #041018;
}

.btn-secondary {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.35);
}

.btn-secondary:hover {
  border-color: var(--color-accent);
  color: var(--color-accent);
}

.btn-ghost {
  background: var(--color-surface);
  color: var(--color-primary);
  border-color: var(--color-border);
}

.btn-ghost:hover {
  border-color: var(--color-accent);
  color: var(--color-accent-strong);
}

.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(1200px 480px at 80% -10%, rgba(9, 166, 255, 0.22), transparent 60%),
    radial-gradient(800px 400px at 10% 110%, rgba(9, 166, 255, 0.1), transparent 55%),
    linear-gradient(180deg, #0f172a 0%, #0b1328 100%);
  color: #fff;
  padding: 4rem 0 5rem;
}

.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255, 255, 255, 0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.035) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: linear-gradient(180deg, rgba(0, 0, 0, 0.45), transparent 85%);
  pointer-events: none;
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 2.5rem;
  align-items: center;
}

@media (min-width: 900px) {
  .hero-grid {
    grid-template-columns: 1.2fr 0.8fr;
  }
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--color-accent);
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  font-size: 0.8rem;
  margin-bottom: 1rem;
}

.hero h1 {
  margin: 0 0 1rem;
  font-size: clamp(2rem, 4.4vw, 3.35rem);
  line-height: 1.15;
  font-weight: 700;
  letter-spacing: -0.03em;
}

.hero h1 em,
.mark {
  font-style: normal;
  color: var(--color-accent);
}

.lead {
  margin: 0 0 1.75rem;
  font-size: 1.125rem;
  color: rgba(255, 255, 255, 0.78);
  max-width: 38rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

.hero-panel {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(9, 166, 255, 0.22);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-xl);
}

.stat-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}

.stat-row strong {
  display: block;
  font-size: 1.5rem;
  color: var(--color-accent);
  letter-spacing: -0.03em;
}

.stat-row span {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.85rem;
}

.section {
  padding: 4rem 0;
}

.section-muted {
  background: var(--color-surface);
}

.section-head {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 2rem;
}

.section-head h2,
.page-hero h1 {
  margin: 0;
  font-size: clamp(1.75rem, 3vw, 2.4rem);
  letter-spacing: -0.03em;
  line-height: 1.2;
}

.section-kicker {
  color: var(--color-accent-strong);
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin: 0 0 0.4rem;
}

.grid {
  display: grid;
  gap: 1.5rem;
}

.grid-2 {
  grid-template-columns: 1fr;
}

.grid-3 {
  grid-template-columns: 1fr;
}

.grid-4 {
  grid-template-columns: 1fr;
}

@media (min-width: 700px) {
  .grid-2,
  .grid-4 {
    grid-template-columns: 1fr 1fr;
  }

  .grid-3 {
    grid-template-columns: 1fr 1fr;
  }
}

@media (min-width: 1024px) {
  .grid-3 {
    grid-template-columns: 1fr 1fr 1fr;
  }

  .grid-4 {
    grid-template-columns: 1fr 1fr 1fr 1fr;
  }
}

.card,
.reason-card,
.client-card,
.calc-card {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--ease), transform var(--ease), border-color var(--ease);
}

.calc-card:hover,
.client-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
  border-color: rgba(9, 166, 255, 0.45);
}

.section-services {
  background: #f1f5f9;
}

.service-catalog {
  display: flex;
  flex-direction: column;
  gap: 2.5rem;
  margin-top: 1.5rem;
}

.service-group-head {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  position: relative;
  overflow: hidden;
  margin: 0 0 1rem;
  padding: 0.95rem 1.15rem;
  border-radius: var(--radius-lg);
  background:
    radial-gradient(18rem 8rem at 100% 0%, rgba(9, 166, 255, 0.28), transparent 60%),
    linear-gradient(165deg, #0f172a 0%, #10233d 100%);
  color: #fff;
}

.service-group-head .service-icon {
  background: rgba(9, 166, 255, 0.2);
  color: var(--color-accent);
  box-shadow: none;
}

.service-group-title {
  margin: 0;
  font-size: 0.92rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #fff;
}

.service-group-deco {
  margin-left: auto;
  width: min(38%, 11rem);
  height: 2.4rem;
  flex-shrink: 0;
  opacity: 0.9;
}

.service-group--fin .service-group-head {
  background:
    radial-gradient(16rem 8rem at 100% 120%, rgba(9, 166, 255, 0.22), transparent 58%),
    linear-gradient(165deg, #0f2744 0%, #0f172a 100%);
}

.service-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  position: relative;
}

.service-row {
  display: grid;
  grid-template-columns: 3.25rem minmax(0, 1fr);
  gap: 0.75rem 1rem;
  align-items: start;
  padding: 1.2rem 1.1rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  position: relative;
  overflow: hidden;
  transition: transform var(--ease), box-shadow var(--ease), border-color var(--ease);
}

.service-row:hover,
.service-row:focus-within {
  transform: translateY(-2px);
  border-color: rgba(9, 166, 255, 0.45);
  box-shadow: 0 12px 28px rgba(9, 166, 255, 0.14);
}

.service-index {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.35rem;
}

.service-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: rgba(9, 166, 255, 0.12);
  color: var(--color-accent-strong);
  flex-shrink: 0;
}

.service-icon .icon {
  width: 22px;
  height: 22px;
}

.service-row .num {
  font-size: 0.75rem;
  margin: 0;
}

.service-main {
  display: contents;
}

.service-body,
.service-row .meta,
.service-row .btn,
.service-mark {
  position: relative;
  z-index: 1;
}

.service-body h3 {
  margin: 0 0 0.4rem;
  font-size: 1.15rem;
  letter-spacing: -0.02em;
}

.service-body p {
  margin: 0;
}

.service-row .meta {
  grid-column: 2;
  margin: 0.15rem 0 0;
}

.service-row .meta span {
  background: #eef7ff;
  color: var(--color-accent-strong);
  padding: 0.28rem 0.65rem;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.8rem;
}

.service-row .btn {
  grid-column: 1 / -1;
  justify-self: stretch;
  width: 100%;
}

.service-mark {
  display: none;
}

.service-row--lead {
  background:
    radial-gradient(18rem 10rem at 100% 0%, rgba(9, 166, 255, 0.32), transparent 62%),
    linear-gradient(165deg, #0f172a 0%, #10233d 100%);
  color: #fff;
  border-color: rgba(9, 166, 255, 0.28);
  box-shadow: var(--shadow-xl);
}

.service-row--lead h3,
.service-row--lead .service-body p {
  color: #fff;
}

.service-row--lead .service-icon {
  background: rgba(9, 166, 255, 0.2);
  color: var(--color-accent);
}

.service-row--lead .meta span {
  background: rgba(9, 166, 255, 0.18);
  color: var(--color-accent);
}

.service-row--lead .service-mark {
  display: block;
  position: absolute;
  right: 0.7rem;
  bottom: -0.4rem;
  font-size: 5.5rem;
  font-weight: 700;
  letter-spacing: -0.07em;
  line-height: 1;
  color: #fff;
  opacity: 0.1;
  pointer-events: none;
  z-index: 0;
}

.service-row--tint {
  background: linear-gradient(145deg, #d7f0ff 0%, #f7fbff 52%, #fff 100%);
  color: inherit;
  border-color: rgba(9, 166, 255, 0.32);
}

.service-row--tint h3,
.service-row--tint .service-body p {
  color: inherit;
}

.service-row--tint .service-icon {
  background: rgba(9, 166, 255, 0.16);
  color: var(--color-accent-strong);
}

.service-row--tint .meta span {
  background: #eef7ff;
  color: var(--color-accent-strong);
}

.service-row--tint .service-mark {
  color: var(--color-primary);
  opacity: 0.07;
}

@media (min-width: 900px) {
  .service-group-head {
    margin-left: calc(3.5rem + 1rem);
  }

  .service-row {
    grid-template-columns: 3.5rem minmax(0, 1fr);
    align-items: stretch;
    gap: 1rem;
    padding: 0;
    background: transparent;
    border: none;
    box-shadow: none;
    overflow: visible;
  }

  .service-row:hover,
  .service-row:focus-within {
    transform: none;
    border-color: transparent;
    box-shadow: none;
  }

  .service-index {
    position: relative;
    z-index: 1;
    justify-content: flex-start;
    padding-top: 1.15rem;
  }

  .service-row .service-icon {
    background: #fff;
    box-shadow: 0 0 0 4px #f1f5f9;
  }

  .service-row--lead .service-icon,
  .service-row--tint .service-icon {
    background: #fff;
    color: var(--color-accent-strong);
  }

  .service-main {
    display: grid;
    grid-template-columns: minmax(0, 1fr) 10.25rem minmax(13.5rem, auto);
    align-items: center;
    gap: 1rem 1.25rem;
    padding: 1.2rem 1.35rem;
    background: var(--color-surface);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
    position: relative;
    transition: transform var(--ease), box-shadow var(--ease), border-color var(--ease);
  }

  .service-row:hover .service-main,
  .service-row:focus-within .service-main {
    transform: translateY(-2px);
    border-color: rgba(9, 166, 255, 0.45);
    box-shadow: 0 12px 28px rgba(9, 166, 255, 0.14);
  }

  .service-row .meta {
    grid-column: auto;
    flex-direction: column;
    align-items: flex-start;
    gap: 0.5rem;
    margin: 0;
  }

  .service-row .btn {
    grid-column: auto;
    width: auto;
    justify-self: end;
    white-space: nowrap;
  }

  .service-row--lead .service-main {
    background:
      radial-gradient(18rem 10rem at 100% 0%, rgba(9, 166, 255, 0.32), transparent 62%),
      linear-gradient(165deg, #0f172a 0%, #10233d 100%);
    color: #fff;
    border-color: rgba(9, 166, 255, 0.28);
    box-shadow: var(--shadow-xl);
  }

  .service-row--tint .service-main {
    background: linear-gradient(145deg, #d7f0ff 0%, #f7fbff 52%, #fff 100%);
    color: inherit;
    border-color: rgba(9, 166, 255, 0.32);
  }

  .service-row--lead,
  .service-row--tint {
    background: transparent;
    color: inherit;
    border: none;
    box-shadow: none;
  }
}

.num {
  font-weight: 700;
  color: var(--color-accent);
  font-variant-numeric: tabular-nums;
  letter-spacing: 0.04em;
}

.reason-card h3,
.client-card h3,
.calc-card h3 {
  margin: 0.4rem 0 0.6rem;
  font-size: 1.15rem;
  letter-spacing: -0.02em;
}

.meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1rem;
  color: var(--color-muted-text);
  font-size: 0.92rem;
  margin: 0.75rem 0 1rem;
}

.page-hero {
  background: var(--color-primary);
  color: #fff;
  padding: 3rem 0 2.5rem;
}

.page-hero p {
  max-width: 46rem;
  color: rgba(255, 255, 255, 0.78);
}

.breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  list-style: none;
  padding: 0;
  margin: 0 0 1rem;
  font-size: 0.9rem;
}

.breadcrumbs a {
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
}

.breadcrumbs a:hover {
  color: var(--color-accent);
}

.breadcrumbs li:not(:last-child)::after {
  content: "/";
  margin-left: 0.4rem;
  color: rgba(255, 255, 255, 0.35);
}

.prose {
  max-width: 48rem;
  font-size: 1rem;
  line-height: 1.75;
}

.prose h2 {
  scroll-margin-top: calc(var(--header-h) + 1.5rem);
  margin: 3rem 0 1rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--color-border);
  letter-spacing: -0.02em;
  line-height: 1.25;
}

.prose h3 {
  margin: 2rem 0 0.75rem;
  line-height: 1.35;
}

.prose p {
  margin: 0 0 1.15rem;
}

.prose ul,
.prose ol {
  display: grid;
  gap: 0.55rem;
  margin: 1rem 0 1.5rem;
  padding-left: 1.4rem;
}

.prose li::marker {
  color: var(--color-accent-strong);
  font-weight: 700;
}

.prose table {
  display: block;
  width: 100%;
  overflow-x: auto;
  border-collapse: collapse;
  margin: 1rem 0 1.5rem;
  -webkit-overflow-scrolling: touch;
}
.prose th,
.prose td {
  border: 1px solid var(--color-border);
  padding: 0.75rem 1rem;
  text-align: left;
  vertical-align: top;
}
.prose th {
  width: 34%;
  background: var(--color-muted);
}

.work-grid {
  display: grid;
  gap: 1rem;
}

@media (min-width: 700px) {
  .work-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.work-card {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  min-height: 19rem;
  padding: 1.5rem;
  overflow: hidden;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.work-index {
  position: absolute;
  top: 1rem;
  right: 1.25rem;
  color: color-mix(in srgb, var(--color-accent) 22%, transparent);
  font-size: clamp(3.5rem, 8vw, 5.5rem);
  font-weight: 700;
  line-height: 1;
}

.work-type {
  position: relative;
  z-index: 1;
  margin: 0 0 1.5rem;
  color: var(--color-accent-strong);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.work-card h2 {
  position: relative;
  z-index: 1;
  max-width: 20ch;
  margin: 0 0 2rem;
  font-size: clamp(1.35rem, 3vw, 1.75rem);
}

.work-card .btn {
  margin-top: auto;
}

.bank-lead,
.bank-section {
  margin: 0 0 2.5rem;
}

.bank-lead {
  padding: 1.25rem;
  background: color-mix(in srgb, var(--color-accent) 7%, var(--color-surface));
  border-left: 4px solid var(--color-accent);
  border-radius: var(--radius);
}

.bank-lead p:first-child,
.bank-lead p:last-child,
.bank-card p:last-child,
.bank-product p:last-child,
.content-note p {
  margin-bottom: 0;
}

.bank-steps,
.bank-goals,
.bank-products,
.bank-definitions,
.bank-compare {
  display: grid;
  gap: 1rem;
  margin: 1.25rem 0;
}

.bank-steps,
.bank-compare {
  padding: 0;
  list-style: none;
  counter-reset: bank-item;
}

.bank-steps li,
.bank-compare li {
  position: relative;
  padding: 1rem 1rem 1rem 3.5rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  counter-increment: bank-item;
}

.bank-steps li::before,
.bank-compare li::before {
  content: counter(bank-item, decimal-leading-zero);
  position: absolute;
  top: 1rem;
  left: 1rem;
  color: var(--color-accent-strong);
  font-weight: 700;
}

@media (min-width: 700px) {
  .bank-goals,
  .bank-products {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .bank-goals .bank-card:last-child {
    grid-column: 1 / -1;
  }
}

.bank-card,
.bank-product {
  padding: 1.25rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}

.bank-card > span {
  color: var(--color-accent-strong);
  font-size: 0.82rem;
  font-weight: 700;
}

.bank-card h3,
.bank-product h3 {
  margin-top: 0.5rem;
}

.bank-product h4 {
  margin-bottom: 0.4rem;
}

.bank-checklist {
  display: grid;
  gap: 0.65rem;
  padding-left: 1.25rem;
}

.bank-checklist li::marker {
  color: var(--color-accent);
}

.bank-definitions {
  padding: 0;
}

.bank-definitions div {
  padding: 1rem;
  background: var(--color-muted);
  border-radius: var(--radius);
}

.bank-definitions dt {
  margin-bottom: 0.35rem;
  font-weight: 700;
}

.bank-definitions dd {
  margin: 0;
  color: var(--color-muted-text);
}

.bank-section .formula-card .btn {
  width: fit-content;
  margin-top: 0.65rem;
}

.factoring-scheme {
  margin: 2rem 0;
  padding: 1rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.factoring-scheme .source-image {
  width: 100%;
  max-height: none;
  background: #e7e7e7;
}

.factoring-scheme figcaption {
  margin-top: 0.75rem;
  color: var(--color-muted-text);
  font-size: 0.9rem;
}

.factoring-types {
  display: grid;
  gap: 1rem;
  margin-top: 1.25rem;
}

.factoring-types article {
  padding: 1rem;
  background: color-mix(in srgb, var(--color-accent) 6%, var(--color-surface));
  border: 1px solid color-mix(in srgb, var(--color-accent) 25%, var(--color-border));
  border-radius: var(--radius);
}

.factoring-types h4 {
  margin: 0 0 0.65rem;
}

.factoring-types ul {
  margin-bottom: 0;
}

@media (min-width: 700px) {
  .factoring-scheme {
    padding: 1.5rem;
  }

  .factoring-types {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.analysis-directions {
  display: grid;
  gap: 0.9rem;
  margin: 1.5rem 0 2.5rem;
}

@media (min-width: 700px) {
  .analysis-directions {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.analysis-card {
  display: grid;
  grid-template-columns: 2.4rem minmax(0, 1fr);
  gap: 0.25rem 0.85rem;
  min-height: 7.5rem;
  padding: 1.1rem;
  color: var(--color-text);
  text-decoration: none;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  transition: border-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.analysis-card:hover {
  border-color: color-mix(in srgb, var(--color-accent) 55%, var(--color-border));
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.analysis-card:focus-visible {
  outline: 3px solid color-mix(in srgb, var(--color-accent) 42%, transparent);
  outline-offset: 3px;
}

.analysis-card > span {
  grid-row: 1 / 3;
  color: var(--color-accent);
  font-weight: 700;
}

.analysis-card strong {
  line-height: 1.3;
}

.analysis-card small {
  color: var(--color-muted-text);
  line-height: 1.45;
}

.formula-card {
  display: grid;
  gap: 0.45rem;
  margin: 1.5rem 0;
  padding: 1.25rem;
  background: color-mix(in srgb, var(--color-accent) 7%, var(--color-surface));
  border: 1px solid color-mix(in srgb, var(--color-accent) 28%, var(--color-border));
  border-left: 4px solid var(--color-accent);
  border-radius: var(--radius);
}

.formula-card span {
  color: var(--color-accent-strong);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.formula-card strong {
  font-size: clamp(1rem, 1.8vw, 1.18rem);
  line-height: 1.55;
}

.indicator-list {
  display: grid;
  gap: 0.85rem;
  margin: 1.25rem 0 2rem;
}

@media (min-width: 700px) {
  .indicator-list {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

.indicator-list article {
  padding: 1rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
}

.indicator-list h3,
.indicator-list p {
  margin-top: 0;
}

.indicator-list p {
  margin-bottom: 0;
  color: var(--color-muted-text);
}

.source-gallery {
  display: grid;
  gap: 1rem;
  margin: 1.25rem 0 2rem;
}

.source-gallery figure {
  min-width: 0;
  margin: 0;
  overflow: hidden;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}

.source-image {
  display: block;
  width: 100%;
  max-height: 32rem;
  padding: 0;
  overflow: auto;
  cursor: zoom-in;
  background: #eef0f2;
  border: 0;
}

.source-image img {
  display: block;
  width: 100%;
  height: auto;
}

.source-image:focus-visible {
  outline: 3px solid var(--color-accent);
  outline-offset: -3px;
}

.source-gallery figcaption {
  padding: 0.85rem 1rem;
  color: var(--color-muted-text);
  font-size: 0.9rem;
}

.content-note {
  padding: 1rem 1.1rem;
  color: var(--color-muted-text);
  background: var(--color-muted);
  border-radius: var(--radius);
}

.image-viewer[hidden] {
  display: none;
}

.image-viewer {
  position: fixed;
  z-index: 1200;
  inset: 0;
  display: grid;
  place-items: center;
  padding: 1rem;
  background: rgba(2, 8, 23, 0.92);
}

.image-viewer-frame {
  position: relative;
  width: min(96vw, 112rem);
  height: min(94vh, 72rem);
  overflow: auto;
  background: #eef0f2;
  border-radius: var(--radius);
}

.image-viewer-frame img {
  display: block;
  width: auto;
  min-width: min(100%, 70rem);
  max-width: none;
  min-height: 100%;
  margin: 0 auto;
  object-fit: contain;
}

.image-viewer-close {
  position: fixed;
  z-index: 1;
  top: 1.2rem;
  right: 1.2rem;
  display: grid;
  place-items: center;
  width: 2.75rem;
  height: 2.75rem;
  color: #fff;
  font-size: 1.6rem;
  cursor: pointer;
  background: var(--color-primary);
  border: 1px solid rgba(255, 255, 255, 0.35);
  border-radius: 999px;
}

@media (max-width: 699px) {
  .source-image {
    max-height: 23rem;
  }

  .image-viewer {
    padding: 0.5rem;
  }

  .image-viewer-frame {
    width: 100%;
    height: 94vh;
  }
}

.article-layout {
  display: grid;
  gap: 2rem;
}

@media (min-width: 960px) {
  .article-layout {
    grid-template-columns: minmax(0, 1fr) 18rem;
    align-items: start;
  }
}

.toc {
  position: static;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 1.25rem;
}

.toc h2 {
  margin: 0 0 0.75rem;
  font-size: 0.95rem;
}

.toc ol {
  display: grid;
  gap: 0.45rem;
  margin: 0;
  padding-left: 1.1rem;
  font-size: 0.9rem;
  line-height: 1.35;
}

.toc a {
  text-decoration: none;
  color: var(--color-secondary);
}

.toc a:hover {
  color: var(--color-accent-strong);
}

.toc-contact {
  margin-top: 1.25rem;
  padding-top: 1.25rem;
  border-top: 1px solid var(--color-border);
}

.toc-contact p {
  margin: 0 0 0.85rem;
}

.toc-contact .btn {
  width: 100%;
}

@media (min-width: 960px) {
  .toc {
    position: sticky;
    top: calc(var(--header-h) + 1rem);
    max-height: calc(100vh - var(--header-h) - 2rem);
    overflow-y: auto;
  }
}

.prose-privacy > p,
.prose-privacy > ul,
.prose-privacy > table {
  max-width: 70ch;
}

.policy-summary {
  margin-bottom: 2rem;
  padding: 1.25rem;
  background: color-mix(in srgb, var(--color-accent) 7%, var(--color-surface));
  border: 1px solid color-mix(in srgb, var(--color-accent) 28%, var(--color-border));
  border-left: 4px solid var(--color-accent);
  border-radius: var(--radius);
}

.policy-summary p:last-child {
  margin-bottom: 0;
}

.reading-section {
  margin: 0 0 1.25rem;
  padding: 1.25rem;
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
}

.reading-section > h2:first-child {
  margin: 0 0 1rem;
  padding-top: 0;
  border-top: 0;
}

.reading-section > :last-child {
  margin-bottom: 0;
}

@media (min-width: 700px) {
  .reading-section {
    padding: 1.5rem;
  }
}

.calc-source {
  margin: 1rem 0 0;
  padding: 1rem;
  color: var(--color-muted-text);
  background: var(--color-muted);
  border-radius: var(--radius);
  font-size: 0.92rem;
}

.prose-privacy h2:first-of-type,
.prose-bplans h2:first-of-type,
.prose-bank h2:first-of-type,
.prose-fin h2:first-of-type {
  margin-top: 2rem;
}

.steps {
  display: grid;
  gap: 1rem;
}

@media (min-width: 800px) {
  .steps {
    grid-template-columns: repeat(3, 1fr);
  }
}

.promo {
  display: grid;
  gap: 1rem;
  align-items: center;
  background: linear-gradient(135deg, #0f172a, #12304d);
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  border: 1px solid rgba(9, 166, 255, 0.3);
}

@media (min-width: 700px) {
  .promo {
    grid-template-columns: 1fr auto;
  }
}

.cta-band {
  background: var(--color-primary);
  color: #fff;
  padding: 4rem 0;
}

.cta-band p {
  color: rgba(255, 255, 255, 0.78);
  max-width: 40rem;
}

.site-footer {
  background: #070b16;
  color: rgba(255, 255, 255, 0.78);
  padding: 3rem 0 1.5rem;
}

.footer-grid {
  display: grid;
  gap: 2rem;
}

@media (min-width: 800px) {
  .footer-grid {
    grid-template-columns: 1.2fr 1fr 1fr;
  }
}

.site-footer a {
  color: #fff;
  text-decoration: none;
}

.site-footer a:hover {
  color: var(--color-accent);
}

.footer-nav {
  display: grid;
  gap: 0.45rem;
}

.footer-bottom {
  margin-top: 2rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
  justify-content: space-between;
  font-size: 0.88rem;
}

.modal[hidden] {
  display: none;
}

.modal {
  position: fixed;
  inset: 0;
  z-index: 80;
  display: grid;
  align-items: start;
  min-height: 100vh;
  min-height: 100dvh;
  padding: max(0.75rem, env(safe-area-inset-top)) max(0.75rem, env(safe-area-inset-right)) max(0.75rem, env(safe-area-inset-bottom)) max(0.75rem, env(safe-area-inset-left));
  overflow-x: hidden;
  overflow-y: auto;
  overscroll-behavior: contain;
}

.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(2, 6, 23, 0.62);
  backdrop-filter: blur(4px);
}

.modal-dialog {
  position: relative;
  z-index: 1;
  width: min(100%, 32rem);
  margin: auto;
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-xl);
}

.modal-close {
  position: absolute;
  top: 0.75rem;
  right: 0.75rem;
  display: grid;
  place-items: center;
  width: 2.75rem;
  height: 2.75rem;
  padding: 0;
  color: var(--color-secondary);
  cursor: pointer;
  background: var(--color-muted);
  border: 1px solid var(--color-border);
  border-radius: 999px;
  transition: color var(--ease), background var(--ease), border-color var(--ease);
}

.modal-close:hover {
  color: var(--color-primary);
  background: #fff;
  border-color: var(--color-secondary);
}

.modal-close:focus-visible {
  outline: 3px solid rgba(9, 166, 255, 0.35);
  outline-offset: 2px;
}

.modal-close .icon {
  width: 1.25rem;
  height: 1.25rem;
}

.modal-dialog h2 {
  margin: 0 3rem 0.4rem 0;
}

@media (max-width: 599px) {
  .modal {
    padding: max(0.5rem, env(safe-area-inset-top)) max(0.5rem, env(safe-area-inset-right)) max(0.5rem, env(safe-area-inset-bottom)) max(0.5rem, env(safe-area-inset-left));
  }

  .modal-dialog {
    padding: 1.25rem;
    border-radius: 12px;
  }

  .modal-dialog h2 {
    font-size: clamp(1.35rem, 7vw, 1.75rem);
  }

  .modal-dialog .form-field {
    margin: 0.65rem 0;
  }

  .modal-dialog textarea {
    min-height: 5.5rem;
  }

  .modal-dialog .btn[type="submit"] {
    width: 100%;
    min-height: 3rem;
  }
}

.form-field {
  display: grid;
  gap: 0.35rem;
  margin: 0.85rem 0;
}

.form-field label {
  font-weight: 600;
  font-size: 0.92rem;
}

.form-field input:not([type="checkbox"]),
.form-field textarea,
.form-field select {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1px solid var(--color-border);
  border-radius: 8px;
  font: inherit;
  font-size: 16px;
  background: #fff;
  transition: border-color var(--ease), box-shadow var(--ease);
}

.form-field input:not([type="checkbox"]):focus,
.form-field textarea:focus,
.form-field select:focus {
  outline: none;
  border-color: var(--color-accent);
  box-shadow: 0 0 0 3px rgba(9, 166, 255, 0.25);
}

.form-field label:has(> input[type="checkbox"]) {
  display: block;
  min-height: 44px;
  padding: 0.65rem 0;
  line-height: 1.4;
  cursor: pointer;
}

.form-field input[type="checkbox"] {
  width: 1.125rem;
  height: 1.125rem;
  margin: 0 0.5rem 0 0;
  padding: 0;
  vertical-align: -0.2rem;
  accent-color: var(--color-accent);
  cursor: pointer;
}

.form-field input[type="checkbox"]:focus-visible {
  outline: 2px solid var(--color-accent);
  outline-offset: 3px;
}

.field-error {
  color: var(--color-destructive);
  font-size: 0.85rem;
}

.form-note {
  font-size: 0.88rem;
  color: var(--color-muted-text);
}

.calc-box {
  background: var(--color-surface);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-md);
}

.calc-result {
  margin-top: 1rem;
  padding: 1rem 1.1rem;
  background: #f0f9ff;
  border: 1px solid rgba(9, 166, 255, 0.35);
  border-radius: 8px;
  font-weight: 600;
}

.icon {
  width: 24px;
  height: 24px;
  stroke: currentColor;
  fill: none;
  stroke-width: 1.75;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.reveal {
  opacity: 0;
  transform: translateY(16px) scale(0.98);
  animation: rise 0.45s cubic-bezier(0.22, 1, 0.36, 1) forwards;
}

.reveal:nth-child(1) { animation-delay: 0.05s; }
.reveal:nth-child(2) { animation-delay: 0.11s; }
.reveal:nth-child(3) { animation-delay: 0.17s; }
.reveal:nth-child(4) { animation-delay: 0.23s; }
.reveal:nth-child(5) { animation-delay: 0.29s; }
.reveal:nth-child(6) { animation-delay: 0.35s; }
.reveal:nth-child(7) { animation-delay: 0.41s; }
.reveal:nth-child(8) { animation-delay: 0.47s; }

@keyframes rise {
  to {
    opacity: 1;
    transform: none;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .btn:hover,
  .calc-card:hover,
  .client-card:hover,
  .service-row:hover,
  .service-row:focus-within,
  .service-row:hover .service-main,
  .service-row:focus-within .service-main {
    transform: none;
  }

  .reveal {
    opacity: 1;
    transform: none;
    animation: none;
  }
}