/* ═══════════════════════════════════════════════════════════
   MAG Business Capital — site stylesheet
   Palette: navy + cyan, sampled directly from the MAG logo.
   Swap --ink and --sky to match the logo exactly.
   ═══════════════════════════════════════════════════════════ */

:root{
  /* ── brand (sampled from the logo) ── */
  --ink:#08376B;          /* MAG navy */
  --ink-deep:#052849;     /* deeper navy for gradients + footer */
  --ink-soft:#0F4B85;
  --sky:#35C0ED;          /* MAG cyan */
  --sky-lt:#7BD5F5;       /* cyan on dark grounds */
  --sky-ink:#0B7098;      /* accessible cyan for small text on white */
  --sky-pale:#E4F6FD;

  /* ── neutrals ── */
  --slate:#4C6076;
  --slate-lt:#7488A0;
  --hair:#DAE2EB;
  --hair-soft:#ECF1F6;
  --panel:#F4F7FA;
  --paper:#FFFFFF;
  --green:#12704B;
  --green-pale:#E6F3EC;
  --amber:#8A6013;
  --amber-pale:#FCF3E2;

  /* ── type ── */
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:"IBM Plex Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",system-ui,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,"SF Mono",Menlo,monospace;

  /* ── layout ── */
  --wrap:1140px;
  --wrap-narrow:760px;
  --gut:clamp(20px,5vw,40px);
  --radius:3px;
  --shadow-sm:0 1px 3px rgba(8,55,107,.08),0 1px 2px rgba(8,55,107,.06);
  --shadow-md:0 4px 20px rgba(8,55,107,.09),0 1px 3px rgba(8,55,107,.06);
  --shadow-lg:0 18px 50px rgba(8,55,107,.16),0 4px 12px rgba(8,55,107,.08);
}

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

html{
  -webkit-text-size-adjust:100%;
  scroll-behavior:smooth;
  scroll-padding-top:88px;
}

body{
  margin:0;
  font-family:var(--sans);
  font-size:17px;
  line-height:1.62;
  color:var(--ink);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
}

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

a{color:var(--ink);text-decoration-color:rgba(53,192,237,.5);text-underline-offset:3px}
a:hover{text-decoration-color:var(--sky-ink)}

h1,h2,h3,h4{
  font-family:var(--serif);
  font-weight:600;
  letter-spacing:-.018em;
  line-height:1.14;
  margin:0;
  text-wrap:balance;
}

p{margin:0}

/* ─────────────────────────────────────────────
   Layout primitives
   ───────────────────────────────────────────── */

.wrap{
  max-width:var(--wrap);
  margin-inline:auto;
  padding-inline:var(--gut);
}

.wrap--narrow{max-width:var(--wrap-narrow)}

.section{padding-block:clamp(56px,8vw,96px)}
.section--tight{padding-block:clamp(40px,5vw,64px)}
.section--panel{background:var(--panel)}
.section--ink{background:var(--ink);color:var(--paper)}
.section--ink h1,.section--ink h2,.section--ink h3{color:var(--paper)}

.eyebrow{
  font-family:var(--mono);
  font-size:11px;
  font-weight:500;
  letter-spacing:.16em;
  text-transform:uppercase;
  color:var(--sky-ink);
  margin:0 0 14px;
}
.eyebrow--slate{color:var(--slate-lt)}

.section-head{max-width:640px;margin-bottom:clamp(32px,4vw,48px)}
.section-head h2{font-size:clamp(28px,3.6vw,40px)}
.section-head p{
  margin-top:14px;
  color:var(--slate);
  font-size:clamp(16px,1.6vw,18px);
}
.section--ink .section-head p{color:rgba(255,255,255,.72)}

.lead{font-size:clamp(17px,1.9vw,20px);line-height:1.55;color:var(--slate)}

/* ─────────────────────────────────────────────
   Buttons
   ───────────────────────────────────────────── */

.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  font-family:var(--sans);
  font-size:15px;
  font-weight:600;
  letter-spacing:.005em;
  line-height:1;
  padding:16px 26px;
  border:1.5px solid transparent;
  border-radius:var(--radius);
  cursor:pointer;
  text-decoration:none;
  transition:background .16s ease,border-color .16s ease,color .16s ease,transform .16s ease,box-shadow .16s ease;
  white-space:nowrap;
}
.btn:active{transform:translateY(1px)}
.btn:focus-visible{outline:2px solid var(--sky);outline-offset:3px}

.btn--primary{background:var(--sky);border-color:var(--sky);color:var(--ink);box-shadow:var(--shadow-sm)}
.btn--primary:hover{background:#1FB3E6;border-color:#1FB3E6;box-shadow:var(--shadow-md)}

.btn--ink{background:var(--ink);border-color:var(--ink);color:#fff}
.btn--ink:hover{background:var(--ink-deep);border-color:var(--ink-deep)}

.btn--ghost{background:transparent;border-color:var(--hair);color:var(--ink)}
.btn--ghost:hover{border-color:var(--ink);background:var(--paper)}

.btn--ghost-light{background:transparent;border-color:rgba(255,255,255,.34);color:#fff}
.btn--ghost-light:hover{border-color:#fff;background:rgba(255,255,255,.08)}

.btn--lg{padding:19px 34px;font-size:16px}
.btn--block{width:100%}

.btn-row{display:flex;flex-wrap:wrap;gap:14px;align-items:center}

/* ─────────────────────────────────────────────
   Header
   ───────────────────────────────────────────── */

.site-header{
  position:sticky;
  top:0;
  z-index:60;
  background:rgba(255,255,255,.94);
  backdrop-filter:saturate(180%) blur(12px);
  -webkit-backdrop-filter:saturate(180%) blur(12px);
  border-bottom:1px solid var(--hair);
}

.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  min-height:74px;
}

.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex-shrink:0}
.brand img{height:46px;width:auto}
.brand-fallback{
  font-family:var(--serif);
  font-weight:700;
  font-size:21px;
  letter-spacing:-.02em;
  color:var(--ink);
  line-height:1;
}
.brand-fallback span{color:var(--sky)}

.nav{display:flex;align-items:center;gap:26px}
.nav a{
  font-size:15px;
  font-weight:500;
  color:var(--slate);
  text-decoration:none;
  transition:color .15s ease;
}
.nav a:hover,.nav a[aria-current="page"]{color:var(--ink)}

.header-cta{display:flex;align-items:center;gap:18px}
.header-phone{
  font-family:var(--mono);
  font-size:14px;
  font-weight:500;
  color:var(--ink);
  text-decoration:none;
  white-space:nowrap;
}
.header-phone:hover{color:var(--sky-ink)}

.nav-toggle{
  display:none;
  background:none;
  border:1px solid var(--hair);
  border-radius:var(--radius);
  padding:9px 11px;
  cursor:pointer;
  color:var(--ink);
}
.nav-toggle svg{display:block}

@media (max-width:1040px){
  .nav,.header-phone{display:none}
  .nav-toggle{display:block}
  .site-header.is-open .nav{
    display:flex;
    flex-direction:column;
    align-items:flex-start;
    gap:2px;
    position:absolute;
    top:100%;
    left:0;
    right:0;
    background:var(--paper);
    border-bottom:1px solid var(--hair);
    padding:8px var(--gut) 20px;
    box-shadow:var(--shadow-md);
  }
  .site-header.is-open .nav a{
    width:100%;
    padding:13px 0;
    font-size:16px;
    border-bottom:1px solid var(--hair-soft);
  }
  .site-header.is-open .header-phone{
    display:block;
    padding-top:16px;
    font-size:16px;
  }
}
@media (max-width:520px){
  .header-cta .btn{padding:13px 18px;font-size:14px}
}

/* ─────────────────────────────────────────────
   Hero
   ───────────────────────────────────────────── */

.hero{
  background:
    radial-gradient(ellipse 900px 520px at 78% 8%,rgba(53,192,237,.16),transparent 62%),
    linear-gradient(168deg,var(--ink) 0%,var(--ink-deep) 100%);
  color:var(--paper);
  padding-block:clamp(56px,8vw,92px);
  position:relative;
  overflow:hidden;
}
.hero::after{
  content:"";
  position:absolute;
  inset:auto 0 0 0;
  height:1px;
  background:linear-gradient(90deg,transparent,rgba(53,192,237,.55),transparent);
}

.hero-grid{
  display:grid;
  grid-template-columns:1.05fr .95fr;
  gap:clamp(36px,5vw,64px);
  align-items:start;
}

.hero h1{
  font-size:clamp(34px,5vw,56px);
  line-height:1.06;
  color:#fff;
  letter-spacing:-.028em;
}
.hero h1 em{font-style:normal;color:var(--sky-lt)}

.hero-sub{
  margin-top:20px;
  font-size:clamp(17px,1.9vw,19.5px);
  line-height:1.55;
  color:rgba(255,255,255,.76);
  max-width:30em;
}

.hero-actions{margin-top:30px}

.hero-trust{
  margin-top:36px;
  padding-top:26px;
  border-top:1px solid rgba(255,255,255,.16);
  display:grid;
  grid-template-columns:repeat(3,auto);
  gap:clamp(20px,4vw,44px);
  justify-content:start;
}
.hero-trust div{min-width:0}
.hero-trust b{
  display:block;
  font-family:var(--serif);
  font-size:clamp(24px,3vw,30px);
  font-weight:600;
  color:var(--sky-lt);
  line-height:1.05;
  letter-spacing:-.02em;
}
.hero-trust span{
  display:block;
  margin-top:5px;
  font-size:13px;
  line-height:1.35;
  color:rgba(255,255,255,.62);
}

@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr}
}

/* ─────────────────────────────────────────────
   Qualifier quiz
   ───────────────────────────────────────────── */

.quiz{
  background:var(--paper);
  color:var(--ink);
  border-radius:5px;
  box-shadow:var(--shadow-lg);
  overflow:hidden;
  position:relative;
}

.quiz-top{
  padding:22px 26px 18px;
  border-bottom:1px solid var(--hair);
  background:var(--paper);
}
.quiz-top .eyebrow{margin-bottom:7px}
.quiz-top h2{font-size:22px;letter-spacing:-.02em}
.quiz-top p{margin-top:6px;font-size:14.5px;color:var(--slate);line-height:1.45}

.quiz-body{padding:26px}

.quiz-progress{
  display:flex;
  gap:6px;
  padding:0 26px;
  margin-top:18px;
}
.quiz-progress i{
  flex:1;
  height:3px;
  border-radius:2px;
  background:var(--hair);
  transition:background .3s ease;
}
.quiz-progress i.is-done{background:var(--sky)}

.quiz-step{display:none}
.quiz-step.is-active{display:block;animation:fadeUp .32s ease}

@keyframes fadeUp{
  from{opacity:0;transform:translateY(8px)}
  to{opacity:1;transform:none}
}

.quiz-q{
  font-family:var(--serif);
  font-size:20px;
  font-weight:600;
  line-height:1.25;
  letter-spacing:-.015em;
  margin-bottom:4px;
}
.quiz-hint{
  font-size:13.5px;
  color:var(--slate-lt);
  margin-bottom:18px;
  line-height:1.45;
}

.quiz-options{display:grid;gap:9px}

.quiz-opt{
  display:flex;
  align-items:center;
  gap:13px;
  width:100%;
  text-align:left;
  font-family:var(--sans);
  font-size:15.5px;
  font-weight:500;
  color:var(--ink);
  background:var(--paper);
  border:1.5px solid var(--hair);
  border-radius:var(--radius);
  padding:15px 17px;
  cursor:pointer;
  transition:border-color .14s ease,background .14s ease,transform .14s ease;
}
.quiz-opt:hover{border-color:var(--sky);background:#F4FBFE;transform:translateX(2px)}
.quiz-opt:focus-visible{outline:2px solid var(--sky);outline-offset:2px}
.quiz-opt i{
  font-family:var(--mono);
  font-style:normal;
  font-size:11.5px;
  font-weight:500;
  color:var(--slate-lt);
  border:1px solid var(--hair);
  border-radius:2px;
  padding:3px 7px;
  flex-shrink:0;
}
.quiz-opt:hover i{color:var(--sky-ink);border-color:var(--sky)}

.quiz-back{
  margin-top:16px;
  background:none;
  border:none;
  padding:0;
  font-family:var(--sans);
  font-size:13.5px;
  font-weight:500;
  color:var(--slate-lt);
  cursor:pointer;
}
.quiz-back:hover{color:var(--ink);text-decoration:underline}

/* ── result states ── */

.quiz-result{display:none}
.quiz-result.is-active{display:block;animation:fadeUp .32s ease}

.result-badge{
  display:inline-flex;
  align-items:center;
  gap:8px;
  font-family:var(--mono);
  font-size:11px;
  font-weight:500;
  letter-spacing:.14em;
  text-transform:uppercase;
  padding:6px 11px;
  border-radius:2px;
  margin-bottom:14px;
}
.result-badge--pass{background:var(--green-pale);color:var(--green)}
.result-badge--soft{background:var(--amber-pale);color:var(--amber)}

.quiz-result h3{font-size:23px;letter-spacing:-.02em}
.quiz-result > p{margin-top:10px;font-size:15.5px;color:var(--slate);line-height:1.55}

.result-facts{
  list-style:none;
  margin:18px 0 0;
  padding:16px 0 0;
  border-top:1px solid var(--hair);
  display:grid;
  gap:10px;
}
.result-facts li{
  display:flex;
  gap:11px;
  font-size:14.5px;
  line-height:1.45;
  color:var(--ink);
}
.result-facts svg{flex-shrink:0;margin-top:3px;color:var(--green)}

.result-cta{margin-top:22px}
.result-note{
  margin-top:13px;
  font-size:12.5px;
  color:var(--slate-lt);
  line-height:1.45;
}

/* ── capture form ── */

.capture{
  margin-top:20px;
  padding-top:20px;
  border-top:1px solid var(--hair);
}
.capture-label{
  font-family:var(--mono);
  font-size:11px;
  font-weight:500;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--slate-lt);
  margin-bottom:12px;
}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media (max-width:480px){.field-row{grid-template-columns:1fr}}

.field{margin-bottom:10px}
.field input{
  width:100%;
  font-family:var(--sans);
  font-size:15px;
  color:var(--ink);
  background:var(--paper);
  border:1.5px solid var(--hair);
  border-radius:var(--radius);
  padding:13px 14px;
  transition:border-color .14s ease;
}
.field input::placeholder{color:var(--slate-lt)}
.field input:focus{outline:none;border-color:var(--sky)}
.field input:user-invalid{border-color:#B3352C}

.capture-fine{
  margin-top:11px;
  font-size:12px;
  color:var(--slate-lt);
  line-height:1.45;
}

.capture-done{
  display:none;
  background:var(--green-pale);
  border-left:3px solid var(--green);
  padding:16px 18px;
  margin-top:20px;
}
.capture-done.is-active{display:block;animation:fadeUp .3s ease}
.capture-done b{display:block;font-size:15.5px;margin-bottom:4px}
.capture-done p{font-size:14px;color:var(--slate);line-height:1.5}

.form-error{
  display:none;
  margin-top:11px;
  font-size:13.5px;
  color:#B3352C;
  line-height:1.45;
}
.form-error.is-active{display:block}

/* ─────────────────────────────────────────────
   Products
   ───────────────────────────────────────────── */

.products{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(310px,1fr));
  gap:1px;
  background:var(--hair);
  border:1px solid var(--hair);
}

.product{
  background:var(--paper);
  padding:30px 28px 32px;
  display:flex;
  flex-direction:column;
  transition:background .18s ease;
}
.product:hover{background:#FCFDFE}

.product-num{
  font-family:var(--mono);
  font-size:11px;
  font-weight:500;
  letter-spacing:.14em;
  color:var(--sky-ink);
  margin-bottom:14px;
}
.product h3{font-size:21px;letter-spacing:-.018em}
.product p{
  margin-top:9px;
  font-size:15px;
  line-height:1.55;
  color:var(--slate);
  flex:1;
}
.product dl{
  display:grid;
  grid-template-columns:auto 1fr;
  gap:6px 16px;
  margin:20px 0 0;
  padding-top:16px;
  border-top:1px solid var(--hair-soft);
  font-size:13.5px;
}
.product dt{color:var(--slate-lt)}
.product dd{
  margin:0;
  font-family:var(--mono);
  font-size:13px;
  font-weight:500;
  color:var(--ink);
  text-align:right;
}

/* ─────────────────────────────────────────────
   Steps
   ───────────────────────────────────────────── */

.steps{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(230px,1fr));
  gap:clamp(24px,3.4vw,40px);
  counter-reset:step;
}
.step{position:relative;padding-top:24px;border-top:2px solid var(--sky)}
.step .n{
  font-family:var(--mono);
  font-size:11px;
  font-weight:500;
  letter-spacing:.14em;
  color:var(--sky-ink);
  margin-bottom:10px;
}
.step h3{font-size:19px;letter-spacing:-.015em}
.step p{margin-top:8px;font-size:15px;line-height:1.55;color:var(--slate)}
.section--ink .step{border-top-color:var(--sky)}
.section--ink .step p{color:rgba(255,255,255,.7)}

/* ─────────────────────────────────────────────
   Comparison (accountants page)
   ───────────────────────────────────────────── */

.paths{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:1px;
  background:var(--hair);
  border:1px solid var(--hair);
}
@media (max-width:760px){.paths{grid-template-columns:1fr}}

.path{padding:28px 26px 26px}
.path--bank{background:var(--panel)}
.path--mag{background:var(--ink);color:var(--paper);border-left:3px solid var(--sky)}

.path h3{
  font-family:var(--mono);
  font-size:11px;
  font-weight:500;
  letter-spacing:.15em;
  text-transform:uppercase;
  margin-bottom:18px;
}
.path--bank h3{color:var(--slate)}
.path--mag h3{color:var(--sky-lt)}

.path ol{list-style:none;margin:0;padding:0;display:grid;gap:11px}
.path li{display:flex;gap:12px;font-size:15px;line-height:1.45}
.path li i{
  font-family:var(--mono);
  font-style:normal;
  font-size:12px;
  flex-shrink:0;
  padding-top:2px;
}
.path--bank li i{color:#A8B4C0}
.path--mag li i{color:var(--sky-lt)}

.path .outcome{
  margin-top:20px;
  padding-top:16px;
  border-top:1px solid rgba(8,55,107,.12);
  font-size:15px;
  font-weight:600;
  line-height:1.45;
}
.path--mag .outcome{border-top-color:rgba(255,255,255,.18)}

/* ─────────────────────────────────────────────
   Terms table (commission)
   ───────────────────────────────────────────── */

.terms-table{
  width:100%;
  border-collapse:collapse;
  font-size:15.5px;
}
.terms-table th{
  font-family:var(--mono);
  font-size:11px;
  font-weight:500;
  letter-spacing:.14em;
  text-transform:uppercase;
  color:var(--slate-lt);
  text-align:left;
  padding:0 0 11px;
  border-bottom:1.5px solid var(--ink);
}
.terms-table th:last-child{text-align:right}
.terms-table td{
  padding:16px 0;
  vertical-align:top;
  border-bottom:1px solid var(--hair);
}
.terms-table tr:last-child td{border-bottom:none}
.terms-table td b{display:block;font-weight:600}
.terms-table td small{
  display:block;
  margin-top:3px;
  font-size:13.5px;
  color:var(--slate);
  line-height:1.45;
}
.terms-table .rate{
  font-family:var(--mono);
  font-size:19px;
  font-weight:500;
  text-align:right;
  white-space:nowrap;
  padding-left:20px;
  color:var(--ink);
}
.terms-table .rate.nil{color:var(--slate-lt);font-size:16px}

/* ─────────────────────────────────────────────
   Callout / note
   ───────────────────────────────────────────── */

.note{
  background:var(--panel);
  border-left:3px solid var(--green);
  padding:20px 22px;
  font-size:15px;
  line-height:1.55;
  color:var(--slate);
}
.note b{display:block;color:var(--ink);font-weight:600;margin-bottom:5px;font-size:15.5px}
.note--sky{border-left-color:var(--sky)}

/* ─────────────────────────────────────────────
   Quote
   ───────────────────────────────────────────── */

.quote-block{
  max-width:720px;
  margin-inline:auto;
  text-align:center;
}
.quote-block blockquote{
  margin:0;
  font-family:var(--serif);
  font-size:clamp(21px,2.7vw,29px);
  font-weight:400;
  line-height:1.35;
  letter-spacing:-.015em;
}
.quote-block .attrib{
  margin-top:20px;
  font-size:14px;
  color:var(--slate-lt);
  line-height:1.5;
}
.section--ink .quote-block .attrib{color:rgba(255,255,255,.6)}
.quote-block .attrib b{color:var(--ink);font-weight:600;display:block;font-size:15px}
.section--ink .quote-block .attrib b{color:var(--paper)}

/* ─────────────────────────────────────────────
   Two-column list (what we place / not signing up for)
   ───────────────────────────────────────────── */

.deflist{list-style:none;margin:0;padding:0}
.deflist li{
  display:grid;
  grid-template-columns:190px 1fr;
  gap:20px;
  padding:14px 0;
  border-bottom:1px solid var(--hair);
  font-size:15.5px;
  line-height:1.5;
}
.deflist li:last-child{border-bottom:none}
.deflist b{font-weight:600}
.deflist span{color:var(--slate)}
@media (max-width:640px){
  .deflist li{grid-template-columns:1fr;gap:3px}
}

/* ─────────────────────────────────────────────
   CTA band
   ───────────────────────────────────────────── */

.cta-band{
  background:
    radial-gradient(ellipse 700px 400px at 82% 20%,rgba(53,192,237,.18),transparent 62%),
    linear-gradient(160deg,var(--ink) 0%,var(--ink-deep) 100%);
  color:var(--paper);
  padding-block:clamp(52px,7vw,80px);
}
.cta-band h2{font-size:clamp(27px,3.6vw,38px);color:#fff;max-width:16em}
.cta-band p{
  margin-top:14px;
  font-size:clamp(16px,1.8vw,18px);
  color:rgba(255,255,255,.74);
  max-width:36em;
  line-height:1.55;
}
.cta-band .btn-row{margin-top:30px}

/* ─────────────────────────────────────────────
   Legal / long-form pages
   ───────────────────────────────────────────── */

.page-head{
  background:var(--ink);
  color:var(--paper);
  padding-block:clamp(44px,6vw,72px);
}
.page-head h1{font-size:clamp(30px,4.2vw,46px);color:#fff}
.page-head p{margin-top:14px;color:rgba(255,255,255,.7);font-size:17px;max-width:40em}

.prose{max-width:var(--wrap-narrow)}
.prose h2{
  font-size:23px;
  margin:40px 0 12px;
  letter-spacing:-.018em;
}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:19px;margin:28px 0 10px}
.prose p{margin:0 0 16px;color:var(--slate);font-size:16.5px;line-height:1.68}
.prose p strong,.prose li strong{color:var(--ink)}
.prose ul{margin:0 0 16px;padding-left:22px;color:var(--slate);font-size:16.5px;line-height:1.68}
.prose li{margin-bottom:7px}
.prose hr{border:none;border-top:1px solid var(--hair);margin:36px 0}
.prose .meta{
  font-family:var(--mono);
  font-size:12.5px;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--slate-lt);
  padding-bottom:22px;
  margin-bottom:32px;
  border-bottom:1px solid var(--hair);
}
.prose address{
  font-style:normal;
  background:var(--panel);
  padding:20px 22px;
  font-size:15.5px;
  line-height:1.65;
  color:var(--slate);
}
.prose address b{color:var(--ink);font-weight:600}

/* ─────────────────────────────────────────────
   Application embed
   ───────────────────────────────────────────── */

.apply-shell{
  display:grid;
  grid-template-columns:1fr 560px;
  gap:clamp(32px,5vw,60px);
  align-items:start;
}
@media (max-width:1000px){
  .apply-shell{grid-template-columns:1fr}
}

.apply-frame{
  background:var(--paper);
  border:1px solid var(--hair);
  border-radius:5px;
  box-shadow:var(--shadow-md);
  padding:10px;
  position:sticky;
  top:96px;
}
@media (max-width:1000px){.apply-frame{position:static}}

/* Lendflow widget frame. Change the two heights below if the embedded
   form ends up scrolling awkwardly on your screen sizes. */
#container{
  max-width:100%!important;
  min-width:0!important;
  width:100%;
  height:680px!important;
}
@media (max-width:600px){
  #container{height:600px!important}
}

.apply-points{list-style:none;margin:26px 0 0;padding:0;display:grid;gap:16px}
.apply-points li{display:flex;gap:14px;font-size:16px;line-height:1.5}
.apply-points svg{flex-shrink:0;margin-top:4px;color:var(--sky-ink)}
.apply-points b{display:block;font-weight:600;margin-bottom:2px}
.apply-points span{color:var(--slate);font-size:15px}

/* ─────────────────────────────────────────────
   Footer
   ───────────────────────────────────────────── */

.site-footer{
  background:var(--ink-deep);
  color:rgba(255,255,255,.62);
  padding-block:clamp(44px,6vw,64px) 30px;
  font-size:15px;
}

.footer-grid{
  display:grid;
  grid-template-columns:1.5fr 1fr 1fr 1.2fr;
  gap:clamp(28px,4vw,48px);
  padding-bottom:36px;
  border-bottom:1px solid rgba(255,255,255,.12);
}
@media (max-width:860px){
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:520px){
  .footer-grid{grid-template-columns:1fr}
}

.footer-grid h4{
  font-family:var(--mono);
  font-size:11px;
  font-weight:500;
  letter-spacing:.15em;
  text-transform:uppercase;
  color:var(--sky-lt);
  margin-bottom:16px;
}
.footer-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.footer-grid a{color:rgba(255,255,255,.68);text-decoration:none;transition:color .14s ease}
.footer-grid a:hover{color:#fff}

.footer-brand img{height:48px;width:auto;margin-bottom:20px;filter:brightness(0) invert(1)}
.footer-brand .brand-fallback{color:#fff;font-size:20px;margin-bottom:16px}
.footer-brand .brand-fallback span{color:var(--sky-lt)}
.footer-brand p{font-size:14.5px;line-height:1.6;color:rgba(255,255,255,.55);max-width:30em}

.footer-contact{font-style:normal;display:grid;gap:10px;line-height:1.5}
.footer-contact a{font-family:var(--mono);font-size:14px}

.socials{display:flex;gap:12px;margin-top:20px}
.socials a{
  display:grid;
  place-items:center;
  width:38px;
  height:38px;
  border:1px solid rgba(255,255,255,.2);
  border-radius:var(--radius);
  color:rgba(255,255,255,.72);
  transition:border-color .15s ease,color .15s ease,background .15s ease;
}
.socials a:hover{border-color:var(--sky);color:#fff;background:rgba(53,192,237,.16)}
.socials svg{width:17px;height:17px}

.footer-legal{padding-top:26px;display:grid;gap:16px}
.footer-legal p{font-size:12.5px;line-height:1.6;color:rgba(255,255,255,.42)}
.footer-bottom{
  display:flex;
  flex-wrap:wrap;
  gap:10px 24px;
  justify-content:space-between;
  align-items:center;
  font-size:13px;
}
.footer-bottom nav{display:flex;flex-wrap:wrap;gap:10px 22px}
.footer-bottom a{color:rgba(255,255,255,.6);text-decoration:none}
.footer-bottom a:hover{color:#fff}

.footer--slim .footer-grid{display:none}
.footer--slim .footer-legal{padding-top:0}

/* ─────────────────────────────────────────────
   Utilities
   ───────────────────────────────────────────── */

.sr-only{
  position:absolute;
  width:1px;height:1px;
  padding:0;margin:-1px;
  overflow:hidden;
  clip:rect(0,0,0,0);
  white-space:nowrap;
  border:0;
}

.skip-link{
  position:absolute;
  left:-9999px;
  top:0;
  z-index:100;
  background:var(--ink);
  color:#fff;
  padding:12px 20px;
  font-size:15px;
}
.skip-link:focus{left:0}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{
    animation-duration:.01ms!important;
    animation-iteration-count:1!important;
    transition-duration:.01ms!important;
    scroll-behavior:auto!important;
  }
}

/* accountants page — compensation grid */
@media (max-width:820px){
  .pay-grid{grid-template-columns:1fr!important}
}

/* ─────────────────────────────────────────────
   About — team
   ───────────────────────────────────────────── */

.team{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(300px,1fr));
  gap:1px;
  background:var(--hair);
  border:1px solid var(--hair);
}
.team--lead{grid-template-columns:repeat(auto-fit,minmax(360px,1fr))}

.member{
  background:var(--paper);
  padding:30px 28px 32px;
  display:flex;
  flex-direction:column;
}
.member-top{display:flex;align-items:center;gap:18px;margin-bottom:18px}

.member-photo{
  width:76px;height:76px;
  border-radius:50%;
  object-fit:cover;
  flex-shrink:0;
  background:var(--panel);
  border:1px solid var(--hair);
  display:none;
}
.member-photo.is-loaded{display:block}
.team--lead .member-photo{width:92px;height:92px}

.monogram{
  width:76px;height:76px;
  border-radius:50%;
  flex-shrink:0;
  display:grid;
  place-items:center;
  font-family:var(--serif);
  font-size:26px;
  font-weight:600;
  letter-spacing:-.02em;
  color:var(--paper);
  background:linear-gradient(150deg,var(--ink-soft),var(--ink));
}
.team--lead .monogram{width:92px;height:92px;font-size:31px}
.monogram.is-hidden{display:none}

.member h3{font-size:20px;letter-spacing:-.018em;line-height:1.2}
.member .role{
  font-family:var(--mono);
  font-size:11px;
  font-weight:500;
  letter-spacing:.11em;
  text-transform:uppercase;
  color:var(--sky-ink);
  margin-top:7px;
  line-height:1.4;
}
.member p{font-size:15px;line-height:1.6;color:var(--slate);flex:1}
.member .creds{
  margin-top:18px;
  padding-top:14px;
  border-top:1px solid var(--hair-soft);
  font-family:var(--mono);
  font-size:12.5px;
  color:var(--slate-lt);
  line-height:1.5;
}

@media (max-width:420px){
  .member-top{flex-direction:column;align-items:flex-start;gap:14px}
}

/* about — story block */
.story{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:clamp(28px,4vw,56px);
  align-items:start;
}
@media (max-width:820px){.story{grid-template-columns:1fr}}
.story p{font-size:clamp(16px,1.7vw,17.5px);line-height:1.68;color:var(--slate)}
.story p + p{margin-top:16px}
.story p b{color:var(--ink);font-weight:600}

/* four-up advisory bench: 2×2 so no orphan cell shows the grid ground */
.team--bench{grid-template-columns:repeat(2,1fr)}
@media (max-width:760px){.team--bench{grid-template-columns:1fr}}

/* ═══════════ COMMISSION PROJECTION WIDGET ═══════════ */
.calc{
  margin-top:clamp(40px,5vw,60px);
  background:var(--paper);
  border:1px solid var(--hair);
  border-top:3px solid var(--sky);
  border-radius:var(--radius);
}
.calc-head{
  padding:clamp(24px,3vw,34px) clamp(24px,3.4vw,38px) 0;
}
.calc-head h3{
  font-family:var(--serif);
  font-size:clamp(23px,2.5vw,29px);
  font-weight:600;
  line-height:1.22;
  color:var(--ink);
  margin:6px 0 0;
}
.calc-sub{
  margin:12px 0 0;
  font-size:15.5px;
  line-height:1.6;
  color:var(--slate);
  max-width:62ch;
}
.calc-body{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:clamp(26px,3.6vw,46px);
  padding:clamp(24px,3vw,32px) clamp(24px,3.4vw,38px);
  align-items:start;
}
.ctrl{margin-bottom:26px}
.ctrl:last-child{margin-bottom:0}
.ctrl label,.ctrl-label{
  display:flex;
  align-items:baseline;
  justify-content:space-between;
  gap:14px;
  font-size:13px;
  font-weight:600;
  letter-spacing:.06em;
  text-transform:uppercase;
  color:var(--slate);
  margin-bottom:12px;
}
.ctrl output{
  font-family:var(--mono);
  font-size:16px;
  font-weight:500;
  letter-spacing:0;
  text-transform:none;
  color:var(--ink);
}
.ctrl input[type=range]{
  -webkit-appearance:none;appearance:none;
  width:100%;height:4px;
  background:var(--hair);
  border-radius:2px;
  outline:none;
  margin:0;
}
.ctrl input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;
  width:20px;height:20px;border-radius:50%;
  background:var(--ink);
  border:3px solid var(--sky);
  cursor:pointer;
  box-shadow:0 1px 4px rgba(8,55,107,.28);
}
.ctrl input[type=range]::-moz-range-thumb{
  width:20px;height:20px;border-radius:50%;
  background:var(--ink);
  border:3px solid var(--sky);
  cursor:pointer;
}
.ctrl input[type=range]:focus-visible{
  box-shadow:0 0 0 3px rgba(53,192,237,.4);
}
.ticks{
  display:flex;justify-content:space-between;
  margin-top:8px;
  font-family:var(--mono);
  font-size:12px;
  color:var(--slate-lt);
}
.seg{
  display:grid;
  grid-template-columns:1fr 1fr;
  border:1px solid var(--hair);
  border-radius:var(--radius);
  overflow:hidden;
}
.seg-btn{
  appearance:none;
  border:none;
  background:var(--paper);
  padding:13px 10px;
  font-family:var(--sans);
  font-size:14.5px;
  font-weight:500;
  color:var(--slate);
  cursor:pointer;
  transition:background .15s,color .15s;
}
.seg-btn + .seg-btn{border-left:1px solid var(--hair)}
.seg-btn:hover{background:var(--hair-soft)}
.seg-btn.is-on{
  background:var(--ink);
  color:#fff;
}
.calc-out{
  background:var(--ink);
  border-radius:var(--radius);
  padding:clamp(22px,2.6vw,30px);
}
.calc-figure{
  display:flex;
  align-items:baseline;
  justify-content:space-between;
  gap:16px;
  padding:14px 0;
  border-bottom:1px solid rgba(255,255,255,.14);
}
.calc-label{
  margin:0;
  font-size:12.5px;
  font-weight:600;
  letter-spacing:.07em;
  text-transform:uppercase;
  color:rgba(255,255,255,.62);
}
.calc-num{
  margin:0;
  font-family:var(--serif);
  font-size:26px;
  font-weight:600;
  color:#fff;
  font-variant-numeric:tabular-nums;
}
.calc-figure--hero{padding:18px 0}
.calc-figure--hero .calc-label{color:var(--sky-lt)}
.calc-figure--hero .calc-num{font-size:clamp(34px,4.4vw,46px);color:var(--sky-lt)}
.calc-math{
  margin:18px 0 0;
  font-size:13.5px;
  line-height:1.65;
  color:rgba(255,255,255,.72);
}
.calc-math b{color:#fff;font-weight:600}
.calc-table{
  width:100%;
  border-collapse:collapse;
  border-top:1px solid var(--hair);
}
.calc-table th{
  text-align:left;
  padding:14px clamp(24px,3.4vw,38px);
  font-size:12px;
  font-weight:600;
  letter-spacing:.07em;
  text-transform:uppercase;
  color:var(--slate-lt);
  background:var(--hair-soft);
  border-bottom:1px solid var(--hair);
}
.calc-table th:not(:first-child),
.calc-table td:not(:first-child){text-align:right}
.calc-table td{
  padding:13px clamp(24px,3.4vw,38px);
  font-size:15.5px;
  color:var(--slate);
  border-bottom:1px solid var(--hair-soft);
  font-variant-numeric:tabular-nums;
}
.calc-table tr:last-child td{border-bottom:none}
.calc-table tr.is-on td{background:var(--panel);color:var(--ink);font-weight:600}
.calc-table td.ann{font-family:var(--mono);color:var(--ink)}
.calc-table tr.is-on td.ann{color:var(--sky-ink)}
.calc-fine{
  margin:0;
  padding:18px clamp(24px,3.4vw,38px) 24px;
  font-size:12.5px;
  line-height:1.6;
  color:var(--slate-lt);
  border-top:1px solid var(--hair);
  background:var(--hair-soft);
}
@media (max-width:860px){
  .calc-body{grid-template-columns:1fr}
}
@media (max-width:520px){
  .ctrl label,.ctrl-label{flex-direction:column;align-items:flex-start;gap:5px}
  .seg-btn{font-size:13.5px;padding:12px 6px}
  .calc-table th,.calc-table td{padding-left:16px;padding-right:16px;font-size:14.5px}
}

/* ═══════════ PARTNER LOGOS ═══════════ */
.partners{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(210px,1fr));
  gap:clamp(14px,2vw,22px);
  margin-top:clamp(26px,3.4vw,38px);
}
.partner{
  display:flex;
  align-items:center;
  justify-content:center;
  min-height:116px;
  padding:22px 26px;
  background:var(--paper);
  border:1px solid var(--hair);
  border-radius:var(--radius);
}
.partner--dark{
  background:#222C40;
  border-color:#222C40;
}
.partner img{
  display:block;
  width:auto;
  height:auto;
  max-width:100%;
  max-height:50px;
  object-fit:contain;
}
/* squat marks need more height to carry the same optical weight */
.partner--tall img{max-height:70px}
.partners-note{
  margin-top:clamp(20px,2.6vw,28px);
  font-size:14.5px;
  line-height:1.65;
  color:var(--slate);
  max-width:64ch;
}
@media (max-width:520px){
  .partner{min-height:98px;padding:18px 20px}
  .partner img{max-height:42px}
  .partner--tall img{max-height:60px}
}