/* Layout: Rivers Title family. One left-aligned column of quiet sections; the calculator is the single bold navy band. */
:root {
  --bg: #F4F8FB;
  --surface: #FFFFFF;
  --ink: #0B1F44;
  --muted: #4B5E7B;
  --line: #D7E2EC;
  --cyan: #0B9FCB;
  --navy: #0A3184;
  --band: #0A2A6E;
  --band-2: #0F3683;
  --band-ink: #EEF7FC;
  --band-muted: #A8C2DF;
  --band-line: rgba(255,255,255,.14);
  --band-cyan: #4FD0F2;
  --display: "Bricolage Grotesque", "Avenir Next", "Segoe UI", system-ui, sans-serif;
  --body: "Instrument Sans", "Helvetica Neue", "Segoe UI", system-ui, sans-serif;
  --wrap: 1120px;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #061229; --surface: #0B1D3D; --ink: #E8F1F9; --muted: #9FB2CB; --line: #1B3359;
    --cyan: #3CC6EC; --navy: #9DBBFF; --band: #0F3172; --band-2: #163D86; --band-ink: #EEF7FC;
    --band-muted: #B2CAE6; --band-line: rgba(255,255,255,.14); --band-cyan: #4FD0F2; color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #061229; --surface: #0B1D3D; --ink: #E8F1F9; --muted: #9FB2CB; --line: #1B3359;
  --cyan: #3CC6EC; --navy: #9DBBFF; --band: #0F3172; --band-2: #163D86; --band-ink: #EEF7FC;
  --band-muted: #B2CAE6; --band-line: rgba(255,255,255,.14); --band-cyan: #4FD0F2; color-scheme: dark;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--bg); color: var(--ink); font-family: var(--body); font-size: 17px; line-height: 1.6; -webkit-font-smoothing: antialiased; }
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 10; background: var(--bg); }
a { color: inherit; }
:focus-visible { outline: 3px solid var(--cyan); outline-offset: 3px; border-radius: 6px; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding-left: max(20px, env(safe-area-inset-left, 0px)); padding-right: max(20px, env(safe-area-inset-right, 0px)); }
h1, h2, h3 { font-family: var(--display); line-height: 1.05; margin: 0; text-wrap: balance; letter-spacing: -0.02em; }
p { margin: 0; }
.eyebrow { font-size: 13px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--cyan); }
.num { font-variant-numeric: tabular-nums; }

/* Header */
header.top { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 5; background: color-mix(in srgb, var(--bg) 88%, transparent); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
header.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-block: 14px; }
.mark { display: inline-flex; flex-direction: column; text-decoration: none; line-height: 1; }
.mark b { font-family: var(--display); font-weight: 800; font-size: 26px; letter-spacing: -0.045em; }
.mark b span:first-child { color: var(--cyan); }
.mark b span:last-child { color: var(--navy); }
.mark svg { width: 100%; height: 7px; margin-top: 2px; }
nav.links { display: flex; align-items: center; gap: 26px; font-size: 15px; font-weight: 500; }
nav.links a:not(.btn) { text-decoration: none; color: var(--muted); }
nav.links a:not(.btn):hover { color: var(--ink); }
.btn { display: inline-flex; align-items: center; gap: 8px; font: 600 15px/1 var(--body); text-decoration: none; padding: 13px 18px; border-radius: 999px; border: 1.5px solid transparent; cursor: pointer; white-space: nowrap; transition: transform .15s ease, background .15s ease; }
.btn:hover { transform: translateY(-1px); }
.btn-solid { background: var(--ink); color: var(--bg); }
.btn-ghost { border-color: var(--line); color: var(--ink); background: var(--surface); }
@media (max-width: 820px) { nav.links .hide-sm { display: none; } }

/* Hero */
.hero { position: relative; overflow: hidden; }
.hero .wrap { padding-block: 80px 150px; display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, .7fr); gap: 56px; align-items: center; position: relative; z-index: 1; }
.hero-copy { display: grid; gap: 28px; min-width: 0; }
.hero h1 { font-size: clamp(46px, 7.2vw, 96px); font-weight: 800; letter-spacing: -0.045em; max-width: 11ch; }
.hero h1 em { font-style: normal; color: var(--cyan); }
.hero .lede { font-size: clamp(18px, 2vw, 21px); color: var(--muted); max-width: 42ch; }
.hero .ctas { display: flex; flex-wrap: wrap; gap: 12px; }
.receipt { background: var(--surface); border: 1px solid var(--line); border-radius: 18px; padding: 24px; display: grid; gap: 4px; font-variant-numeric: tabular-nums; transform: rotate(1.5deg); box-shadow: 0 24px 60px -32px color-mix(in srgb, var(--navy) 70%, transparent); }
.receipt .r-top { display: grid; gap: 2px; padding-bottom: 14px; margin-bottom: 6px; border-bottom: 1.5px dashed var(--line); }
.receipt .r-top small { font-size: 12px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--cyan); }
.receipt .r-top strong { font: 800 30px/1.1 var(--display); letter-spacing: -0.03em; }
.receipt .r-row { display: flex; justify-content: space-between; gap: 12px; font-size: 15px; padding: 6px 0; }
.receipt .r-row span:first-child { color: var(--muted); }
.receipt .r-total { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-top: 8px; padding-top: 14px; border-top: 1.5px dashed var(--line); }
.receipt .r-total strong { font: 800 34px/1 var(--display); color: var(--cyan); letter-spacing: -0.03em; }
.receipt .r-note { font-size: 13px; color: var(--muted); margin-top: 6px; }
.receipt a { margin-top: 10px; font-weight: 600; font-size: 15px; color: var(--ink); text-underline-offset: 4px; }
.hero .waves { position: absolute; left: 0; right: 0; bottom: 18px; height: 110px; pointer-events: none; }
.hero .waves svg { width: 200%; height: 100%; display: block; }
.wave-a { stroke: var(--cyan); }
.wave-b { stroke: var(--navy); }
@media (prefers-reduced-motion: no-preference) {
  .hero .waves svg { animation: drift 28s linear infinite; }
  @keyframes drift { to { transform: translateX(-50%); } }
}
@media (max-width: 900px) { .hero .wrap { grid-template-columns: 1fr; gap: 40px; padding-block: 56px 130px; } .receipt { max-width: 400px; transform: rotate(1deg); } }

/* Facts */
.facts { border-block: 1px solid var(--line); background: var(--surface); }
.facts .wrap { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 32px; padding-block: 36px; }
.fact { display: grid; gap: 6px; min-width: 0; }
.fact strong { font: 700 19px/1.2 var(--display); letter-spacing: -0.01em; }
.fact span { font-size: 15px; color: var(--muted); }
@media (max-width: 900px) { .facts .wrap { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 480px) { .facts .wrap { grid-template-columns: 1fr; gap: 22px; } }

/* Sections */
section.block .wrap { padding-block: 96px; display: grid; gap: 44px; }
.sec-head { display: grid; gap: 14px; max-width: 640px; }
.sec-head h2 { font-size: clamp(34px, 4.6vw, 56px); font-weight: 800; letter-spacing: -0.035em; }
.sec-head p { color: var(--muted); font-size: 18px; }

/* Steps */
ol.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; counter-reset: s; border-top: 1.5px solid var(--ink); }
ol.steps li { counter-increment: s; padding: 22px 22px 0 0; display: grid; gap: 8px; align-content: start; min-width: 0; }
ol.steps li::before { content: counter(s); font: 800 15px/1 var(--display); color: var(--cyan); }
ol.steps h3 { font-size: 22px; font-weight: 700; }
ol.steps p { color: var(--muted); font-size: 16px; }
@media (max-width: 900px) { ol.steps { grid-template-columns: 1fr 1fr; row-gap: 28px; } }
@media (max-width: 520px) { ol.steps { grid-template-columns: 1fr; } }

/* Calculator band */
.band { background: linear-gradient(160deg, var(--band), var(--band-2)); color: var(--band-ink); }
.band .eyebrow { color: var(--band-cyan); }
.band .sec-head p { color: var(--band-muted); }
.calc { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 40px; align-items: start; }
.calc-in { display: grid; gap: 14px; min-width: 0; }
.calc-in label { font-size: 14px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--band-muted); }
.money { display: flex; align-items: center; gap: 6px; border-bottom: 2px solid var(--band-cyan); padding-bottom: 6px; }
.money span { font: 800 44px/1 var(--display); color: var(--band-muted); }
.money input { all: unset; width: 100%; min-width: 0; font: 800 clamp(44px, 6vw, 64px)/1.1 var(--display); letter-spacing: -0.035em; color: var(--band-ink); font-variant-numeric: tabular-nums; }
input[type=range] { width: 100%; accent-color: var(--band-cyan); }
.calc-in small { color: var(--band-muted); font-size: 14px; }
.calc-out { display: grid; border: 1px solid var(--band-line); border-radius: 18px; overflow: hidden; min-width: 0; }
.calc-row { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 4px 16px; padding: 20px 24px; border-bottom: 1px solid var(--band-line); }
.calc-row strong { font: 700 18px/1.3 var(--display); }
.calc-row em { font-style: normal; font: 800 28px/1 var(--display); letter-spacing: -0.02em; font-variant-numeric: tabular-nums; grid-row: span 2; align-self: center; }
.calc-row p { font-size: 15px; color: var(--band-muted); }
.calc-row.hi { background: rgba(255,255,255,.06); }
.calc-row.hi em { color: var(--band-cyan); font-size: 40px; }
.calc-late { padding: 18px 24px; font-size: 15px; color: var(--band-muted); }
.calc-late b { color: var(--band-ink); font-weight: 600; }
.term-label { margin-top: 14px; font-size: 14px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--band-muted); }
.term { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 8px; }
.term label { position: relative; cursor: pointer; }
.term input { position: absolute; opacity: 0; }
.term span { display: block; text-align: center; padding: 11px 6px; border: 1.5px solid var(--band-line); border-radius: 10px; font-weight: 600; font-variant-numeric: tabular-nums; color: var(--band-muted); }
.term input:checked + span { border-color: var(--band-cyan); color: var(--band-ink); background: rgba(255,255,255,.08); }
.term input:focus-visible + span { outline: 3px solid var(--band-cyan); outline-offset: 2px; }
@media (max-width: 900px) { .calc { grid-template-columns: 1fr; } }

/* Apply */
.apply { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: 56px; align-items: start; }
.need { display: grid; gap: 18px; min-width: 0; }
.need ul { margin: 0; padding: 0; list-style: none; display: grid; gap: 12px; }
.need li { display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: 10px; font-size: 16px; }
.need li svg { width: 20px; height: 20px; margin-top: 3px; color: var(--cyan); }
.need .small { font-size: 15px; color: var(--muted); }
.formcard { background: var(--surface); border: 1px solid var(--line); border-radius: 18px; padding: 28px; min-width: 0; }
.f-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.f-grid .full { grid-column: 1 / -1; }
.field { display: grid; gap: 6px; min-width: 0; }
.field label { font-size: 14px; font-weight: 600; }
.field label i { font-style: normal; color: var(--cyan); }
.field input, .field select, .field textarea { font: 400 16px/1.4 var(--body); color: var(--ink); background: var(--bg); border: 1.5px solid var(--line); border-radius: 10px; padding: 11px 13px; width: 100%; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--cyan); }
.seg { display: flex; gap: 8px; }
.seg label { flex: 1; display: flex; align-items: center; justify-content: center; gap: 8px; border: 1.5px solid var(--line); border-radius: 10px; padding: 11px; cursor: pointer; font-weight: 500; }
.seg input { accent-color: var(--cyan); }
.drop { border: 1.5px dashed var(--line); border-radius: 12px; padding: 18px; text-align: center; font-size: 15px; color: var(--muted); background: var(--bg); }
.formcard .btn { margin-top: 6px; }
.form-note { font-size: 13px; color: var(--muted); }
.sent { display: none; padding: 14px 16px; border-radius: 10px; background: color-mix(in srgb, var(--cyan) 14%, transparent); font-weight: 500; }
@media (max-width: 900px) { .apply { grid-template-columns: 1fr; gap: 36px; } }
@media (max-width: 520px) { .f-grid { grid-template-columns: 1fr; } .formcard { padding: 20px; } }

/* FAQ */
.faq { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 48px; }
.faq details { border-top: 1px solid var(--line); padding: 18px 0; min-width: 0; }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; gap: 16px; font: 700 19px/1.3 var(--display); letter-spacing: -0.01em; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--cyan); font-weight: 800; flex: none; }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { margin-top: 10px; color: var(--muted); font-size: 16px; }
@media (max-width: 820px) { .faq { grid-template-columns: 1fr; } }

/* Contact + footer */
.contact { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: 56px; align-items: start; }
.contact address { font-style: normal; display: grid; gap: 4px; font-size: 16px; }
.contact address span { color: var(--muted); }
@media (max-width: 900px) { .contact { grid-template-columns: 1fr; gap: 32px; } }
footer { border-top: 1px solid var(--line); }
footer .wrap { padding-block: 28px; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; font-size: 14px; color: var(--muted); }
footer a { text-underline-offset: 3px; }

.preview-flag { background: var(--ink); color: var(--bg); font-size: 13px; text-align: center; padding: 8px max(16px, env(safe-area-inset-right, 0px)) 8px max(16px, env(safe-area-inset-left, 0px)); }


/* ---- Live-site additions: WPForms restyle + theme leftovers ---- */
:root { --error: #B4381B; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) { --error: #FF8A6B; } }
:root[data-theme="dark"] { --error: #FF8A6B; }

.fusion-page-load-link, .to-top-container, #toTop, #wpadminbar ~ .fusion-page-load-link { display: none !important; }

.rcl-wpforms .wpforms-container { margin: 0 !important; padding: 0 !important; max-width: none !important; }
.rcl-wpforms .wpforms-field-container { display: grid; gap: 18px; }
.rcl-wpforms .wpforms-field { padding: 0 !important; margin: 0 !important; clear: none; }
.rcl-wpforms .wpforms-field-label { font: 600 14px/1.4 var(--body) !important; color: var(--ink) !important; margin: 0 0 6px !important; }
.rcl-wpforms .wpforms-required-label { color: var(--cyan) !important; }
.rcl-wpforms .wpforms-field-sublabel { font: 400 13px/1.4 var(--body) !important; color: var(--muted) !important; margin-top: 4px !important; }
.rcl-wpforms .wpforms-field-row { max-width: none !important; display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.rcl-wpforms .wpforms-field-row::before, .rcl-wpforms .wpforms-field-row::after { display: none !important; }
.rcl-wpforms .wpforms-field-row-block { width: auto !important; margin: 0 !important; padding: 0 !important; float: none !important; }
.rcl-wpforms input[type="text"], .rcl-wpforms input[type="email"], .rcl-wpforms input[type="tel"], .rcl-wpforms input[type="number"], .rcl-wpforms textarea, .rcl-wpforms select {
  font: 400 16px/1.4 var(--body) !important; color: var(--ink) !important; background: var(--bg) !important;
  border: 1.5px solid var(--line) !important; border-radius: 10px !important; padding: 11px 13px !important;
  width: 100% !important; max-width: 100% !important; height: auto !important; box-shadow: none !important;
}
.rcl-wpforms textarea { min-height: 110px !important; }
.rcl-wpforms input:focus, .rcl-wpforms textarea:focus, .rcl-wpforms select:focus { outline: none !important; border-color: var(--cyan) !important; }
.rcl-wpforms .wpforms-field-radio ul { display: flex !important; gap: 8px; margin: 0 !important; padding: 0 !important; list-style: none !important; }
.rcl-wpforms .wpforms-field-radio li { flex: 1; margin: 0 !important; padding: 0 !important; display: flex !important; align-items: center; gap: 8px; border: 1.5px solid var(--line); border-radius: 10px; padding: 11px 13px !important; }
.rcl-wpforms .wpforms-field-radio li input { accent-color: var(--cyan); margin: 0 !important; }
.rcl-wpforms .wpforms-field-label-inline { font: 500 16px/1.2 var(--body) !important; color: var(--ink) !important; margin: 0 !important; }
.rcl-wpforms .wpforms-uploader { border: 1.5px dashed var(--line) !important; border-radius: 12px !important; background: var(--bg) !important; padding: 20px !important; text-align: center; cursor: pointer; }
.rcl-wpforms .wpforms-uploader .dz-message svg { width: 30px !important; height: 30px !important; color: var(--cyan) !important; }
.rcl-wpforms .wpforms-uploader .modern-title { display: block; margin-top: 6px; font: 400 15px/1.4 var(--body) !important; color: var(--muted) !important; }
.rcl-wpforms .wpforms-uploader .dz-preview { color: var(--ink); }
.rcl-wpforms .wpforms-submit-container { padding: 6px 0 0 !important; margin: 0 !important; }
.rcl-wpforms button[type="submit"], .rcl-wpforms .wpforms-submit {
  display: inline-flex !important; align-items: center; font: 600 15px/1 var(--body) !important; padding: 14px 22px !important;
  border-radius: 999px !important; border: 0 !important; background: var(--ink) !important; color: var(--bg) !important; cursor: pointer; height: auto !important;
}
.rcl-wpforms button[type="submit"]:hover { transform: translateY(-1px); }
.rcl-wpforms label.wpforms-error, .rcl-wpforms em.wpforms-error { color: var(--error) !important; font: 500 13px/1.4 var(--body) !important; margin-top: 4px !important; }
.rcl-wpforms input.wpforms-error, .rcl-wpforms textarea.wpforms-error { border-color: var(--error) !important; }
.rcl-wpforms .wpforms-confirmation-container-full, .wpforms-confirmation-container-full {
  background: color-mix(in srgb, var(--cyan) 14%, transparent) !important; border: 0 !important; border-radius: 10px !important; color: var(--ink) !important; padding: 16px 18px !important; margin: 0 !important;
}
@media (max-width: 520px) { .rcl-wpforms .wpforms-field-row { grid-template-columns: 1fr; } }