/* ============================================================
   OMNI FINANCIAL SERVICES — design tokens
   (drop-in variables block — every colour on the site
    references these custom properties)
   ------------------------------------------------------------
   Sampled from supplied logo artwork (shield lockup):
     navy  ≈ rgb(0, 22, 78)    → brief's #14294A corrected
     gold  ≈ rgb(183,148, 60)  → brief's #C3A24A corrected
                                   (within the logo's gold gradient range)
     logo bg ≈ rgb(250,248,246)
============================================================ */
@font-face{
  font-family:'Inter';font-style:normal;font-weight:400 700;font-display:swap;
  src:url('../fonts/inter-latin-400-700.woff2') format('woff2');
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD;
}
@font-face{
  font-family:'Cormorant Garamond';font-style:normal;font-weight:500 700;font-display:swap;
  src:url('../fonts/cormorant-garamond-latin-500-700.woff2') format('woff2');
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD;
}
@font-face{
  font-family:'Cormorant Garamond';font-style:italic;font-weight:500 600;font-display:swap;
  src:url('../fonts/cormorant-garamond-latin-italic-500-600.woff2') format('woff2');
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD;
}
:root{
  --omni-navy:        #05184A;   /* primary brand, headings, buttons */
  --omni-navy-deep:   #03102E;   /* footer, dark sections */
  --omni-gold:        #B7943C;   /* ACCENT ONLY — never text on light bg (fails AA), never a large fill */
  --omni-gold-text:   #83681F;   /* accessible gold text — clears AA on white and canvas */
  --omni-gold-soft:   #E4D5A8;   /* subtle borders/dividers */
  --omni-canvas:      #F6F4F1;   /* page background */
  --omni-surface:     #FFFFFF;   /* cards */
  --omni-ink:         #101B2E;   /* body text */
  --omni-ink-muted:   #55617A;   /* secondary text */
  --omni-line:        #E2DED8;   /* hairlines */

  /* supporting, non-brand functional tints */
  --omni-navy-tint:   #EEF1F6;   /* 8% navy on canvas — selected states, icon wells */
  --omni-red:         #9E3B3B;   /* sparing semantic use only (decline marks) */

  --sans:    'Inter', system-ui, -apple-system, sans-serif;
  --serif:   'Cormorant Garamond', Georgia, serif;

  /* fluid type scale */
  --step--3:clamp(.625rem,.61rem + .06vw,.68rem);
  --step--2:clamp(.68rem,.66rem + .1vw,.74rem);
  --step--1:clamp(.75rem,.72rem + .12vw,.84rem);
  --step--half:clamp(.84rem,.8rem + .15vw,.95rem);
  --step-0:clamp(.9375rem,.9rem + .18vw,1.05rem);
  --step-half:clamp(1.05rem,1rem + .25vw,1.2rem);
  --step-1:clamp(1.125rem,1.04rem + .35vw,1.35rem);
  --step-1-half:clamp(1.35rem,1.25rem + .35vw,1.55rem);
  --step-2:clamp(1.35rem,1.2rem + .65vw,1.75rem);
  --step-3:clamp(1.75rem,1.47rem + 1.15vw,2.4rem);
  --step-4:clamp(2.25rem,1.75rem + 2vw,3.45rem);
  --step-5:clamp(3rem,2.1rem + 3.5vw,5.25rem);
  --step-4-mobile:clamp(2.35rem,11vw,3rem);
  --step-4-mobile-compact:2.35rem;
  --tracking-display:clamp(-.035em,-.02em - .08vw,-.018em);

  /* 8px spacing rhythm */
  --space-1:.5rem;--space-2:1rem;--space-3:1.5rem;--space-4:2rem;
  --space-5:3rem;--space-6:4rem;--space-7:6rem;--space-8:8rem;
  --section-compact:clamp(4rem,7vw,5.5rem);
  --section-standard:clamp(5rem,8vw,7rem);
  --section-feature:clamp(6rem,10vw,9rem);

  --radius-control:4px;--radius-card:8px;--radius-feature:16px;--radius-round:999px;
  --line-soft:rgba(5,24,74,.08);--line-default:rgba(5,24,74,.14);--line-control:#828CA5;
  --shadow-1:0 1px 2px rgba(5,24,74,.08),0 6px 16px rgba(5,24,74,.04);
  --shadow-2:0 2px 4px rgba(5,24,74,.09),0 14px 30px rgba(5,24,74,.08);
  --shadow-3:0 4px 8px rgba(5,24,74,.1),0 24px 48px rgba(5,24,74,.1);
  --shadow-4:0 8px 16px rgba(5,24,74,.12),0 32px 72px rgba(5,24,74,.14);
  --shadow-inset:inset 0 1px 0 rgba(255,255,255,.86),inset 0 -8px 18px rgba(5,24,74,.045);
  --gold-metal:linear-gradient(135deg,#8A6E22 0%,#D4B96A 52%,#B7943C 100%);
  --surface-raised:linear-gradient(180deg,#fff 0%,#FCFBF8 100%);

  --duration-fast:150ms;--duration-standard:250ms;--duration-expressive:700ms;
  --ease-fast:cubic-bezier(.2,.8,.2,1);
  --ease-standard:cubic-bezier(.22,.9,.28,1);
  --ease-expressive:cubic-bezier(.16,1,.3,1);
  --mobile-action-height:72px;
  --whatsapp:#25D366;
  --whatsapp-deep:#1DA851;
  --nav-height:77px;

  /* Backward-compatible aliases while component rules migrate below. */
}

*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{overflow-x:hidden;overflow-x:clip}
html.is-scroll-locked{overflow:hidden}
html.is-scroll-locked body{
  position:fixed;inset-inline:0;top:var(--scroll-lock-offset,0);width:100%;overflow:hidden;
}
body{
  font-family:var(--sans);
  font-size:var(--step-0);
  background:var(--omni-canvas);
  color:var(--omni-ink);
  line-height:1.65;
  letter-spacing:-.005em;
  font-optical-sizing:auto;
  font-variant-ligatures:common-ligatures contextual;
  -webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%;display:block}
a{color:inherit}
.sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
::selection{background:rgba(18,39,67,.16);color:var(--omni-navy-deep)}

*{scrollbar-width:thin;scrollbar-color:#C9C3BA var(--omni-canvas)}
::-webkit-scrollbar{width:10px}
::-webkit-scrollbar-track{background:var(--omni-canvas)}
::-webkit-scrollbar-thumb{background:#C9C3BA;border-radius:8px;border:2px solid var(--omni-canvas)}

.skip-link{position:absolute;left:-9999px;top:0;z-index:9999;background:var(--omni-navy);color:#fff;padding:.7rem 1.2rem;border-radius:0 0 var(--radius-control) 0;font-weight:600;text-decoration:none}
.skip-link:focus{left:0}
:focus-visible{outline:2px solid var(--omni-navy);outline-offset:3px;border-radius:2px}

/* ============ LAYOUT ============ */
.wrap{max-width:1140px;margin:0 auto;padding:0 2rem}
.wrap.narrow{max-width:860px}
.section{padding:var(--section-standard) 0;scroll-margin-top:calc(var(--nav-height) + 20px);position:relative}
.section-feature{padding-block:var(--section-feature)}
.section-compact{padding-block:var(--section-compact)}
.section-surface{background:var(--omni-surface)}
.section + .section::before{
  content:'';position:absolute;top:0;left:50%;transform:translateX(-50%);
  width:min(1140px,calc(100% - 4rem));height:1px;background:var(--omni-line);
}
.center{text-align:center}
.center.lead{margin-left:auto;margin-right:auto}

/* ============ TYPOGRAPHY ============ */
.eyebrow{
  font-size:var(--step--1);font-weight:600;letter-spacing:.18em;text-transform:uppercase;
  line-height:1.3;color:var(--omni-navy);margin-bottom:1.1rem;display:flex;align-items:center;gap:.9rem;
}
.eyebrow::before{content:'';width:34px;height:1px;background:var(--gold-metal)}
.eyebrow.center{justify-content:center}
.eyebrow.center::after{content:'';width:34px;height:1px;background:var(--gold-metal)}

h1,h2{
  font-family:var(--serif);font-weight:600;letter-spacing:.005em;
  color:var(--omni-navy);text-wrap:balance;font-optical-sizing:auto;font-variant-ligatures:common-ligatures discretionary-ligatures;
}
h2{font-size:var(--step-4);line-height:1.08;letter-spacing:var(--tracking-display);margin-bottom:var(--space-2)}
h3{line-height:1.18;text-wrap:balance}
h4{line-height:1.28;text-wrap:balance}
.lead{color:var(--omni-ink-muted);max-width:600px;font-size:var(--step-1);line-height:1.7;margin-bottom:var(--space-5);text-wrap:pretty}
.serif-accent{font-style:italic}
.microcopy{display:flex;align-items:center;justify-content:center;gap:var(--space-1);font-size:var(--step--1);color:var(--omni-ink-muted);margin-top:var(--space-2)}
.microcopy.center{text-align:center}
.microcopy svg{color:var(--omni-navy);flex-shrink:0}
.microcopy a{display:inline-flex;align-items:center;min-height:24px;padding:0 .25rem;color:var(--omni-navy);text-underline-offset:3px}

/* ============ BUTTONS ============ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  font-family:var(--sans);font-weight:600;font-size:var(--step-0);text-decoration:none;cursor:pointer;
  border-radius:var(--radius-control);padding:.85rem 1.7rem;border:1px solid transparent;
  transition:background var(--duration-standard) var(--ease-standard),border-color var(--duration-standard),color var(--duration-standard),box-shadow var(--duration-standard) var(--ease-standard),transform var(--duration-fast) var(--ease-fast);
  white-space:nowrap;
}
.btn-primary{background:var(--omni-navy);color:#fff;box-shadow:inset 0 -2px 0 rgba(183,148,60,0)}
.btn-primary:hover,.btn-primary:focus-visible{
  background:var(--omni-navy-deep);
  box-shadow:inset 0 -2px 0 var(--omni-gold);   /* thin gold underline on hover */
  transform:translateY(-1px);
}
.btn-outline{background:transparent;color:var(--omni-navy);border:1px solid var(--omni-navy)}
.btn-outline:hover,.btn-outline:focus-visible{background:var(--omni-navy-tint);box-shadow:inset 0 -2px 0 var(--omni-gold);transform:translateY(-1px)}
.btn-lg{padding:1rem 2.1rem;font-size:var(--step--half)}
.btn-sm{padding:.55rem 1.15rem;font-size:var(--step--1)}
.btn-block{width:100%}

/* ============ CARDS ============ */
.card{
  background:var(--surface-raised);
  border:1px solid var(--line-soft);
  border-radius:var(--radius-card);
  box-shadow:var(--shadow-1),inset 0 1px 0 rgba(255,255,255,.82);
  position:relative;
}

/* ============ REVEAL ============
   Scoped to html.js so a JS failure can never leave the page blank —
   without scripting the content simply renders, unanimated. */
html.js .reveal{opacity:0;transform:translateY(22px);transition:opacity var(--duration-expressive) var(--ease-standard),transform var(--duration-expressive) var(--ease-standard)}
.reveal[data-delay="1"]{transition-delay:.08s}
.reveal[data-delay="2"]{transition-delay:.16s}
.reveal[data-delay="3"]{transition-delay:.24s}
.reveal[data-delay="4"]{transition-delay:.32s}
.reveal[data-delay="5"]{transition-delay:.4s}
.reveal[data-delay="6"]{transition-delay:.5s}
.reveal[data-delay="7"]{transition-delay:.6s}
html.js .reveal.visible{opacity:1;transform:none}
.heading-line{display:block;overflow:clip;padding-bottom:.05em;margin-bottom:-.05em}
.heading-line>span{display:block}
html.js .heading-reveal .heading-line>span{transform:translateY(112%);transition:transform var(--duration-expressive) var(--ease-expressive),opacity var(--duration-expressive) var(--ease-expressive);opacity:0}
html.js .heading-reveal .heading-line:nth-child(2)>span{transition-delay:90ms}
html.js .heading-reveal.visible .heading-line>span{transform:none;opacity:1}

@keyframes sectionReveal{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}
@keyframes headingMaskReveal{from{opacity:0;transform:translateY(112%)}to{opacity:1;transform:none}}
@supports (animation-timeline:view()){
  html.js .reveal{
    opacity:0;transform:translateY(22px);transition:none;
    animation:sectionReveal 1ms linear both;animation-timeline:view();animation-range:entry 0% entry 100%;
  }
  html.js .heading-reveal .heading-line>span{
    opacity:0;transform:translateY(112%);transition:none;
    animation:headingMaskReveal 1ms linear both;animation-timeline:view();animation-range:entry 0% entry 100%;
  }
  html.js .heading-reveal .heading-line:nth-child(2)>span{animation-range:entry 0% entry 100%}
}

/* ============ NAV ============ */
header.nav{
  --scroll-progress:0;
  position:fixed;top:0;left:0;right:0;z-index:200;
  display:flex;align-items:center;justify-content:space-between;gap:1.5rem;
  padding:1rem 2.6rem;
  transition:padding var(--duration-standard) var(--ease-standard),background var(--duration-standard),box-shadow var(--duration-standard),border-color var(--duration-standard);
  background:rgba(246,244,241,.94);
  backdrop-filter:blur(14px) saturate(1.1);-webkit-backdrop-filter:blur(14px) saturate(1.1);
  border-bottom:1px solid rgba(226,222,216,.72);
}
header.nav::after{
  content:'';position:absolute;left:0;right:0;bottom:-1px;height:2px;background:var(--gold-metal);
  transform:scaleX(var(--scroll-progress));transform-origin:left center;pointer-events:none;
}
header.nav.scrolled{
  padding:.55rem 2.6rem;
  background:rgba(246,244,241,.92);
  backdrop-filter:blur(16px) saturate(1.15);-webkit-backdrop-filter:blur(16px) saturate(1.15);
  border-bottom-color:var(--omni-line);
  box-shadow:var(--shadow-1);
}
.nav-logo{display:block;flex-shrink:0}
.nav-logo img{height:44px;width:auto;max-width:min(240px,42vw);object-fit:contain;object-position:center}
.nav-links{display:flex;gap:2rem;list-style:none}
.nav-links a{
  text-decoration:none;color:var(--omni-ink-muted);font-size:var(--step--1);font-weight:500;
  transition:color var(--duration-standard);position:relative;padding:.3rem 0;
}
.nav-links a::after{content:'';position:absolute;left:0;bottom:0;width:100%;height:2px;background:var(--gold-metal);transform:scaleX(0);transform-origin:left;transition:transform var(--duration-standard) var(--ease-standard)}
.nav-links a:hover,.nav-links a:focus-visible,.nav-links a[aria-current]{color:var(--omni-navy)}
.nav-links a:hover::after,.nav-links a:focus-visible::after,.nav-links a[aria-current]::after{transform:scaleX(1)}
.nav-actions{display:flex;align-items:center;gap:.9rem}

.hamburger{display:none;background:none;border:none;cursor:pointer;padding:8px;z-index:210}
.hamburger span{display:block;width:24px;height:2px;background:var(--omni-navy);margin:5px 0;border-radius:2px;transition:var(--duration-standard) var(--ease-standard)}
.hamburger.open span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.hamburger.open span:nth-child(2){opacity:0}
.hamburger.open span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mobile-menu{
  display:none;position:absolute;top:calc(100% + .6rem);right:1rem;width:min(280px,calc(100vw - 2rem));
  background:var(--omni-surface);border:1px solid var(--omni-line);border-radius:var(--radius-card);
  box-shadow:0 18px 44px rgba(16,27,46,.14);
  flex-direction:column;padding:.6rem;gap:.15rem;
}
.mobile-menu.open{display:flex;animation:menuDrop var(--duration-standard) var(--ease-standard)}
@keyframes menuDrop{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:none}}
.mobile-menu a{display:block;color:var(--omni-ink);text-decoration:none;font-weight:500;padding:.75rem 1rem;border-radius:var(--radius-control);transition:var(--duration-standard)}
.mobile-menu a:hover,.mobile-menu a:focus-visible{color:var(--omni-navy);background:var(--omni-navy-tint)}
.mobile-menu a[aria-current]{color:var(--omni-navy);background:var(--omni-navy-tint);box-shadow:inset 3px 0 0 var(--omni-gold)}
.mobile-cta{text-align:center;margin-top:.4rem;color:#fff}
.mobile-cta:hover,.mobile-cta:focus-visible{color:#fff}

/* ============ HERO ============ */
.hero{
  position:relative;overflow:hidden;text-align:center;background:var(--omni-canvas);
  scroll-margin-top:76px;
}
.hero-stage{
  --hero-media-y:0px;--hero-copy-y:0px;--hero-copy-opacity:1;
  min-height:78vh;display:grid;place-items:center;position:relative;overflow:hidden;isolation:isolate;
  padding:7.5rem 1.5rem 6.5rem;background:var(--omni-navy-deep);
}
.hero-stage::after{
  content:'';position:absolute;inset:0;z-index:3;pointer-events:none;opacity:.12;
  background-image:radial-gradient(rgba(255,255,255,.24) .45px,transparent .7px);
  background-size:3px 3px;mix-blend-mode:soft-light;
}
.hero-media{
  position:absolute;inset:-18% -6%;z-index:0;pointer-events:none;overflow:hidden;
  opacity:1;transform:translate3d(0,var(--hero-media-y),0);
}
.hero-bg{
  width:100%;height:100%;aspect-ratio:1413/1113;object-fit:cover;object-position:center 60%;
  filter:saturate(.92) contrast(1.06) brightness(.94);
  transform:scale(1.04);transform-origin:center 60%;
}
.hero-overlay{position:absolute;inset:0;pointer-events:none}
.hero-overlay-wash{
  z-index:1;
  background:linear-gradient(180deg,rgba(5,24,74,.78) 0%,rgba(5,24,74,.78) 45%,rgba(5,24,74,.88) 100%);
  background:linear-gradient(180deg,
    color-mix(in srgb,var(--omni-navy) 78%,transparent) 0%,
    color-mix(in srgb,var(--omni-navy) 78%,transparent) 45%,
    color-mix(in srgb,var(--omni-navy) 88%,transparent) 100%);
}
.hero-overlay-vignette{
  z-index:2;
  background:
    radial-gradient(ellipse 58% 68% at 50% 56%,rgba(3,16,46,.62) 0%,rgba(3,16,46,.38) 44%,transparent 72%),
    radial-gradient(ellipse at 50% 45%,transparent 30%,rgba(0,0,0,.55) 100%);
  background:
    radial-gradient(ellipse 58% 68% at 50% 56%,
      color-mix(in srgb,var(--omni-navy-deep) 62%,transparent) 0%,
      color-mix(in srgb,var(--omni-navy-deep) 38%,transparent) 44%,
      transparent 72%),
    radial-gradient(ellipse at 50% 45%,transparent 30%,rgba(0,0,0,.55) 100%);
}
.hero-overlay-fade{
  z-index:3;
  background:linear-gradient(180deg,transparent 88%,rgba(246,244,241,.18) 94%,var(--omni-canvas) 100%);
  background:linear-gradient(180deg,transparent 88%,color-mix(in srgb,var(--omni-canvas) 18%,transparent) 94%,var(--omni-canvas) 100%);
}
.hero-copy{
  position:relative;z-index:4;width:min(840px,100%);display:flex;flex-direction:column;align-items:center;
  opacity:var(--hero-copy-opacity);transform:translate3d(0,var(--hero-copy-y),0);
}
.hero-eyebrow{
  display:flex;align-items:center;gap:1rem;
  font-size:var(--step--1);font-weight:600;letter-spacing:.18em;text-transform:uppercase;
  color:var(--omni-gold-soft);margin-bottom:2.15rem;
}
.hero-eyebrow .rule{width:56px;height:1px;background:var(--gold-metal);flex-shrink:0;transform:scaleX(1)}
.hero-eyebrow .rule-left{transform-origin:right center}
.hero-eyebrow .rule-right{transform-origin:left center}
.hero h1{
  color:#fff;font-size:var(--step-5);line-height:1.01;letter-spacing:var(--tracking-display);margin-bottom:var(--space-3);font-weight:600;
  text-shadow:0 2px 24px rgba(0,0,0,.45);
}
.hero-sub{color:rgba(255,255,255,.82);font-size:var(--step-1);line-height:1.65;max-width:620px;margin-bottom:var(--space-4)}
.hero-actions{display:flex;gap:.9rem;flex-wrap:wrap;justify-content:center}
.hero .btn{
  position:relative;isolation:isolate;overflow:visible;
  transition:transform var(--duration-standard) var(--ease-fast),opacity var(--duration-standard) var(--ease-fast);
}
.hero .btn > span{position:relative;z-index:1}
.hero .btn::after{
  content:'';position:absolute;inset:1px;border-radius:inherit;z-index:-1;pointer-events:none;
  box-shadow:0 14px 34px rgba(0,0,0,.34),0 0 24px rgba(255,255,255,.13);
  opacity:0;transition:opacity var(--duration-standard) var(--ease-fast);
}
.hero .btn:hover,.hero .btn:focus-visible{transform:translateY(-2px)}
.hero .btn:hover::after,.hero .btn:focus-visible::after{opacity:1}
.hero .btn-primary,.hero .btn-primary:hover{
  position:relative;overflow:hidden;
  background:#fff;color:var(--omni-navy);border-color:#fff;box-shadow:none;
}
.hero .btn-primary::before{
  content:'';position:absolute;inset:0;z-index:0;pointer-events:none;border-radius:inherit;
  background:linear-gradient(100deg,transparent 0%,rgba(183,148,60,.28) 50%,transparent 100%);
  background:linear-gradient(100deg,transparent 0%,rgb(from var(--omni-gold) r g b / .28) 50%,transparent 100%);
  opacity:0;transform:translateX(-100%);transition:none;
}
.hero .btn-primary:hover::before,.hero .btn-primary:focus-visible::before{
  opacity:1;transform:translateX(100%);
  transition:opacity 0ms linear,transform .5s cubic-bezier(.16,1,.3,1);
}
.hero .btn-outline,.hero .btn-outline:hover,.hero .btn-outline:focus-visible{
  background:rgba(3,16,46,.12);color:#fff;border-color:rgba(255,255,255,.5);box-shadow:none;
}
.hero .btn-outline:hover,.hero .btn-outline:focus-visible{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.78)}
.hero .btn:focus-visible{
  outline:2px solid #fff;outline-offset:4px;
  box-shadow:0 0 0 7px rgba(183,148,60,.42);
  box-shadow:0 0 0 7px color-mix(in srgb,var(--omni-gold) 42%,transparent);
}
.hero-trust{color:rgba(255,255,255,.65);margin-top:1rem}
.hero-trust svg{color:rgba(255,255,255,.72)}

/* Intro and ambient motion use only opacity and compositor transforms. */
@keyframes heroMediaIn{from{opacity:0}to{opacity:1}}
@keyframes heroImageIntro{from{transform:scale(1.10)}to{transform:scale(1.04)}}
@keyframes heroKenBurns{from{transform:scale(1.04)}to{transform:scale(1.075)}}
@keyframes heroRuleIn{from{transform:scaleX(0)}to{transform:scaleX(1)}}
@keyframes heroRise12{from{opacity:0;transform:translate3d(0,12px,0)}to{opacity:1;transform:translate3d(0,0,0)}}
@keyframes heroRise20{from{opacity:0;transform:translate3d(0,20px,0)}to{opacity:1;transform:translate3d(0,0,0)}}
@keyframes heroRise16{from{opacity:0;transform:translate3d(0,16px,0)}to{opacity:1;transform:translate3d(0,0,0)}}
@keyframes heroFadeIn{from{opacity:0}to{opacity:1}}
@keyframes heroCueFloat{0%,100%{transform:translate3d(0,0,0)}50%{transform:translate3d(0,9px,0)}}

html.js .hero-intro-active .hero-media{animation:heroMediaIn 1200ms cubic-bezier(.16,1,.3,1) 0ms 1 both}
html.js .hero-intro-active .hero-bg{
  animation:heroImageIntro 2200ms cubic-bezier(.16,1,.3,1) 0ms 1 both,
            heroKenBurns 24s ease-in-out 2200ms infinite alternate none;
}
.hero-stage.is-offscreen .hero-media,.hero-stage.is-offscreen .hero-bg,.hero-stage.is-offscreen .hero-scroll-cue,
.marquee.is-offscreen .marquee-track{animation-play-state:paused!important}
html.js .hero-intro-active .hero-eyebrow .rule{animation:heroRuleIn 800ms cubic-bezier(.16,1,.3,1) 250ms 1 both}
html.js .hero-intro-active .hero-eyebrow-text{animation:heroRise12 800ms cubic-bezier(.16,1,.3,1) 300ms 1 both}
html.js .hero-intro-active .hero-intro-heading{animation:heroRise20 800ms cubic-bezier(.16,1,.3,1) 420ms 1 both}
html.js .hero-intro-active .hero-intro-sub{animation:heroRise16 800ms cubic-bezier(.16,1,.3,1) 560ms 1 both}
html.js .hero-intro-active .hero-intro-actions{animation:heroRise16 800ms cubic-bezier(.16,1,.3,1) 700ms 1 both}
html.js .hero-intro-active .hero-intro-trust{animation:heroFadeIn 800ms cubic-bezier(.16,1,.3,1) 840ms 1 both}
.hero-will-change .hero-media,.hero-will-change .hero-bg,.hero-will-change .hero-copy,.hero-will-change .hero-intro,.hero-will-change .hero-eyebrow-text,.hero-will-change .hero-eyebrow .rule{will-change:transform,opacity}

.hero-scroll-cue{
  position:absolute;left:50%;bottom:3.2rem;z-index:5;width:30px;height:48px;margin-left:-15px;
  display:flex;justify-content:center;opacity:.5;pointer-events:none;
  animation:heroCueFloat 2.4s ease-in-out 2.2s infinite;
  transition:opacity var(--duration-standard) var(--ease-fast);
}
.hero-scroll-cue span{display:block;width:1px;height:38px;background:linear-gradient(180deg,rgba(255,255,255,.12),rgba(255,255,255,.92))}
.hero-scroll-cue span::after{content:'';display:block;width:5px;height:5px;margin:33px 0 0 -2px;border-right:1px solid #fff;border-bottom:1px solid #fff;transform:rotate(45deg)}
.hero-scroll-cue.is-hidden{opacity:0}

.hero-support{position:relative;z-index:6;padding:0 1.5rem 4rem;background:var(--omni-canvas)}

.hero-stats{
  display:flex;align-items:center;gap:clamp(1.4rem,4vw,3.2rem);
  width:min(840px,100%);margin:0 auto;padding:1.6rem 2.6rem;
  background:var(--surface-raised);border:1px solid var(--line-soft);border-radius:var(--radius-feature);
  box-shadow:var(--shadow-2),var(--shadow-inset);
}
.stat{text-align:center}
.stat-value{font-family:var(--serif);font-weight:600;font-size:var(--step-3);color:var(--omni-navy);line-height:1;font-variant-numeric:tabular-nums}
.stat-label{font-size:var(--step--1);line-height:1.3;letter-spacing:.12em;text-transform:uppercase;color:var(--omni-ink-muted);margin-top:var(--space-1);font-weight:500}
.stat-divider{width:1px;height:44px;background:var(--gold-metal)}

/* ============ LENDER MARQUEE ============ */
.lenders{position:relative;width:100%;margin:4.5rem auto 0}
.lenders-title{
  font-family:var(--serif);font-size:var(--step-2);font-weight:600;line-height:1.18;
  color:var(--omni-navy);margin-bottom:1.8rem;
}
.lenders-title .amp{font-style:italic;color:var(--omni-ink-muted)}
.marquee{
  overflow:hidden;width:100%;
  mask-image:linear-gradient(90deg,transparent,black 10%,black 90%,transparent);
  -webkit-mask-image:linear-gradient(90deg,transparent,black 10%,black 90%,transparent);
}
.marquee-track{display:flex;gap:1.2rem;width:max-content;padding:.4rem 0;animation:marquee 46s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
@keyframes marquee{to{transform:translateX(calc(-50% - .6rem))}}
.pill{
  width:172px;height:74px;flex-shrink:0;display:flex;align-items:center;justify-content:center;
  background:var(--omni-surface);border:1px solid var(--omni-line);border-radius:var(--radius-card);
  box-shadow:var(--shadow-1);overflow:hidden;
  transition:border-color var(--duration-standard),box-shadow var(--duration-standard),transform var(--duration-standard) var(--ease-standard);
}
.pill img{
  width:100%;height:100%;object-fit:contain;padding:10px 16px;
  object-position:center;
  filter:saturate(1.08);
  transition:transform var(--duration-standard) var(--ease-standard),filter var(--duration-standard) var(--ease-standard);
}
.pill:hover{border-color:var(--omni-gold-soft);box-shadow:var(--shadow-2);transform:translateY(-3px)}
.pill:hover img{filter:saturate(1.25)}

/* ============ LISTS / SHARED ============ */
.mark-list{list-style:none;display:flex;flex-direction:column;gap:1.25rem;max-width:480px;margin:0 auto}
.mark-list li{display:flex;align-items:flex-start;gap:1rem}
.mark-list p{color:var(--omni-ink-muted);font-size:var(--step--half);line-height:1.55}
.mark-list strong{color:var(--omni-ink);font-weight:600}
.tick{
  width:26px;height:26px;min-width:26px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  font-weight:700;font-size:var(--step--1);margin-top:2px;color:var(--omni-navy);border:1.5px solid var(--omni-navy);
}
.center-cta{text-align:center;margin-top:3rem}
.declined-line{font-family:var(--serif);font-size:var(--step-2);font-weight:600;line-height:1.18;color:var(--omni-navy);margin-bottom:1.5rem}

/* ============ BADGES / NOTE CARD ============ */
.num-badge{
  width:34px;height:34px;min-width:34px;border-radius:var(--radius-control);display:flex;align-items:center;justify-content:center;
  font-family:var(--serif);font-size:var(--step-0);font-weight:700;color:var(--omni-navy);
  background:var(--omni-navy-tint);border:1px solid var(--omni-gold-soft);
}
.note-card{
  padding:1.5rem 1.6rem;border-radius:var(--radius-card);position:relative;
  background:var(--omni-navy-tint);border:1px solid var(--omni-line);
}
.note-card::before{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--gold-metal);border-radius:3px 0 0 3px}
.note-card h4,.note-card .note-card-title{font-size:var(--step--2);font-weight:700;line-height:1.3;letter-spacing:.14em;text-transform:uppercase;color:var(--omni-navy);margin-bottom:.9rem}
.note-card p{color:var(--omni-ink-muted);font-size:var(--step--half);line-height:1.65}

/* ============ SOLUTIONS ============ */
.solutions-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1.15rem}
.sol-card{
  min-width:0;padding:1.8rem 1.45rem 1.45rem;overflow:hidden;
  transition:transform var(--duration-standard) var(--ease-standard),border-color var(--duration-standard),box-shadow var(--duration-standard);
  color:inherit;text-decoration:none;scroll-margin-top:calc(var(--nav-height) + 22px);
}
.sol-card[href]{display:flex;flex-direction:column}
.sol-card::before{content:'';position:absolute;inset:0 0 auto;height:2px;background:var(--gold-metal);opacity:1;transform:scaleX(0);transform-origin:left;transition:opacity var(--duration-standard),transform var(--duration-standard) var(--ease-standard)}
.sol-card[href]:hover,.sol-card[href]:focus-visible{transform:translateY(-5px);border-color:var(--omni-gold-soft);box-shadow:var(--shadow-3)}
.sol-card[href]:hover::before,.sol-card[href]:focus-visible::before{opacity:1;transform:scaleX(1)}
.sol-card[href]:focus-visible{outline:3px solid var(--omni-navy);outline-offset:3px}
@keyframes targetArrival{
  0%{transform:translateY(0);box-shadow:var(--shadow-1),0 0 0 0 rgba(183,148,60,0)}
  42%{transform:translateY(-5px);box-shadow:var(--shadow-3),0 0 0 2px rgba(183,148,60,.72)}
  100%{transform:translateY(0);box-shadow:var(--shadow-1),0 0 0 0 rgba(183,148,60,0)}
}
.sol-card:target{animation:targetArrival 680ms var(--ease-expressive) both}
html.js .sol-card:target{opacity:1;animation:targetArrival 680ms var(--ease-expressive) both;animation-timeline:auto}
.sol-num{position:absolute;top:1.05rem;right:1.15rem;color:var(--omni-gold-text);font-family:var(--serif);font-size:var(--step-1);font-weight:700;line-height:1;font-variant-numeric:tabular-nums;letter-spacing:.04em}
.sol-icon{
  width:46px;height:46px;border-radius:var(--radius-control);display:flex;align-items:center;justify-content:center;
  color:var(--omni-navy);margin-bottom:1.25rem;
  background:var(--omni-navy-tint);border:1px solid var(--omni-gold-soft);
}
.sol-icon svg{width:23px;height:23px}
.sol-card h3{font-family:var(--serif);font-size:var(--step-2);font-weight:600;color:var(--omni-navy);margin-bottom:.65rem}
.sol-card>p{color:var(--omni-ink-muted);font-size:var(--step--1);line-height:1.62}
.sol-arrow{
  display:flex;align-items:center;justify-content:flex-end;gap:.35rem;margin-top:auto;padding-top:1rem;color:var(--omni-navy);opacity:.68;transform:translateX(-3px);
  transition:var(--duration-standard) var(--ease-standard);font-size:var(--step--3);font-weight:700;letter-spacing:.12em;text-transform:uppercase;
}
.sol-arrow b{font-size:var(--step-0);font-weight:500;line-height:1;transition:transform var(--duration-standard) var(--ease-standard)}
.sol-card[href]:hover .sol-arrow,.sol-card[href]:focus-visible .sol-arrow{opacity:1;transform:none}
.sol-card[href]:hover .sol-arrow b,.sol-card[href]:focus-visible .sol-arrow b{transform:translate(2px,-2px)}
.sol-cta{
  display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;gap:.4rem;
  min-height:100%;background:var(--omni-navy);border-color:var(--omni-navy);box-shadow:var(--shadow-3);
}
.sol-cta::before{opacity:1;transform:scaleX(1)}
.sol-cta h3{color:#fff;font-size:var(--step-3)}
.sol-cta p{margin-bottom:1.3rem;color:rgba(255,255,255,.74)}
.sol-cta .btn{background:#fff;color:var(--omni-navy)}
.sol-cta .btn:focus-visible{
  outline:2px solid #fff;outline-offset:4px;
  box-shadow:0 0 0 7px rgba(183,148,60,.5);
  box-shadow:0 0 0 7px color-mix(in srgb,var(--omni-gold) 50%,transparent);
}

/* ============ HOW / STEPS ============ */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;max-width:1020px;margin:1rem auto 0;position:relative}
.steps::before{
  /* rides the centre line of the numbered circles:
     1px card border + 2.5rem card padding + half the 56px circle,
     less half of this line's own height */
  content:'';position:absolute;top:calc(1px + 2.5rem + 28px - 0.5px);
  left:14%;right:14%;height:1px;background:var(--omni-gold-soft);
}
.step-one{grid-column:1;grid-row:1}
.step-two{grid-column:2;grid-row:1}
.step-three{grid-column:3;grid-row:1}
.step{padding:2.5rem 2rem 2.1rem;text-align:center}
.step-num{
  display:flex;align-items:center;justify-content:center;
  width:56px;height:56px;margin:0 auto 1.5rem;border-radius:50%;
  font-family:var(--serif);font-size:var(--step-1-half);font-weight:600;line-height:1;color:var(--omni-navy);
  background:var(--omni-surface);border:1.5px solid var(--omni-gold);
  position:relative;z-index:2;box-shadow:var(--shadow-1);
}
.step h3{font-family:var(--serif);font-size:var(--step-2);font-weight:600;color:var(--omni-navy);margin-bottom:.85rem}
.step p{color:var(--omni-ink-muted);font-size:var(--step--half);line-height:1.7}
.step-note{margin-top:1rem;font-family:var(--serif);font-style:italic;font-weight:600;color:var(--omni-navy);font-size:var(--step--half)}

/* ============ WHY GRID ============ */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.why-item{display:flex;gap:1.15rem;align-items:flex-start;padding:1.7rem;transition:transform var(--duration-standard) var(--ease-standard),border-color var(--duration-standard),box-shadow var(--duration-standard)}
.why-item:hover{transform:translateY(-3px);border-color:var(--omni-gold-soft);box-shadow:var(--shadow-2)}
.why-icon{
  width:46px;height:46px;min-width:46px;border-radius:var(--radius-control);display:flex;align-items:center;justify-content:center;
  color:var(--omni-navy);background:var(--omni-navy-tint);border:1px solid var(--omni-gold-soft);
}
.why-icon svg{width:21px;height:21px}
.why-item h3{font-family:var(--serif);font-size:var(--step-2);font-weight:600;color:var(--omni-navy);margin-bottom:.55rem}
.why-item p{color:var(--omni-ink-muted);font-size:var(--step--half);line-height:1.65}

/* ============ REVIEWS ============ */
.reviews-carousel{max-width:1140px;margin:0 auto}
.reviews-track{display:grid;grid-template-columns:repeat(3,1fr);gap:1.3rem}
html.js .reviews-viewport{overflow:hidden;margin:-.35rem;padding:.35rem;touch-action:pan-y;cursor:grab}
html.js .reviews-track{
  --reviews-gap:1.3rem;display:flex;gap:var(--reviews-gap);position:relative;
  transition:transform var(--duration-expressive) var(--ease-expressive);
}
html.js .reviews-track.is-dragging{transition:none}
html.js .reviews-viewport.is-dragging{cursor:grabbing;user-select:none}
html.js .review-card{flex:0 0 calc(33.333333% - .866667rem)}
.review-card{
  padding:2rem 1.9rem;display:flex;flex-direction:column;gap:1rem;
  transition:transform var(--duration-standard) var(--ease-standard),border-color var(--duration-standard),box-shadow var(--duration-standard);
}
.review-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-2)}
.review-card.featured{border-color:var(--omni-gold-soft)}
.review-card.featured::before{content:'';position:absolute;top:-1px;left:50%;transform:translateX(-50%);width:72px;height:2px;background:var(--gold-metal)}
.quote-mark{
  position:absolute;top:.4rem;right:1.2rem;font-family:var(--serif);font-size:var(--step-5);line-height:1;
  color:var(--omni-gold-soft);pointer-events:none;
}
.stars{color:var(--omni-gold-text);letter-spacing:.22em;font-size:var(--step--1)}
.review-text{font-size:var(--step--half);color:var(--omni-ink);line-height:1.7;flex:1}
.review-card footer{display:flex;align-items:center;gap:.85rem;border-top:1px solid var(--omni-line);padding-top:1.05rem}
.avatar{
  width:38px;height:38px;min-width:38px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  font-family:var(--serif);font-size:var(--step--half);font-weight:700;color:#fff;
  background:var(--omni-navy);
}
.review-card footer strong{font-size:var(--step--half);display:block;color:var(--omni-navy)}
.review-card footer small{font-size:var(--step--2);color:var(--omni-ink-muted);line-height:1.4;display:block}
.reviews-nav{display:flex;align-items:center;justify-content:center;gap:1.3rem;margin-top:2.3rem}
.reviews-nav[hidden]{display:none}
.rev-btn{
  width:42px;height:42px;border-radius:50%;cursor:pointer;font-size:var(--step--half);color:var(--omni-navy);
  background:var(--omni-surface);border:1px solid var(--omni-line);
  transition:var(--duration-standard) var(--ease-standard);
}
.rev-btn:hover,.rev-btn:focus-visible{border-color:var(--omni-navy);box-shadow:inset 0 -2px 0 var(--omni-gold)}
.rev-dots{display:flex;gap:.5rem}
.rev-dots button{width:24px;height:24px;padding:0;border-radius:50%;border:none;cursor:pointer;background:transparent;position:relative}
.rev-dots button::before{content:'';position:absolute;left:8px;top:8px;width:8px;height:8px;border-radius:50%;background:#6F6A5E;transition:var(--duration-standard)}
.rev-dots button.active::before{background:var(--omni-navy)}
.rev-toggle{display:flex;align-items:center;justify-content:center}
.rev-toggle svg{width:15px;height:15px}

/* ============ FAQ ============ */
.accordion{display:flex;flex-direction:column;gap:.85rem;margin-top:1rem}
.acc-item{
  background:var(--omni-surface);border:1px solid var(--omni-line);border-radius:var(--radius-card);overflow:hidden;
  box-shadow:var(--shadow-1);transition:border-color var(--duration-standard);
}
.acc-item[open]{border-color:var(--omni-gold-soft)}
.acc-item summary{
  list-style:none;cursor:pointer;padding:1.3rem 1.5rem;font-weight:600;font-size:var(--step--half);color:var(--omni-navy);
  display:flex;align-items:center;justify-content:space-between;gap:1rem;
}
.acc-item summary::-webkit-details-marker{display:none}
.acc-icon{position:relative;width:18px;height:18px;min-width:18px}
.acc-icon::before,.acc-icon::after{content:'';position:absolute;top:50%;left:50%;background:var(--omni-gold);transition:transform var(--duration-standard) var(--ease-standard)}
.acc-icon::before{width:13px;height:1.6px;transform:translate(-50%,-50%)}
.acc-icon::after{width:1.6px;height:13px;transform:translate(-50%,-50%)}
.acc-item[open] .acc-icon::after{transform:translate(-50%,-50%) rotate(90deg);opacity:0}
.acc-body{padding:0 1.5rem}
.acc-body p{color:var(--omni-ink-muted);font-size:var(--step--half);line-height:1.75;padding-bottom:1.35rem;max-width:640px}
@supports selector(details::details-content){
  :root{interpolate-size:allow-keywords}
  html.js .acc-item::details-content{block-size:0;opacity:0;overflow:clip;transition:block-size var(--duration-standard) var(--ease-standard),opacity var(--duration-standard)}
  html.js .acc-item[open]::details-content{block-size:auto;opacity:1}
}

/* ============ CTA BOOKING FORM ============ */
.cta-section::before{display:none}
.wizard{
  max-width:680px;margin:0 auto;padding:clamp(2.4rem,5vw,4rem);text-align:center;overflow:hidden;
  color:#fff;background:linear-gradient(145deg,var(--omni-navy) 0%,var(--omni-navy-deep) 100%);
  border:1px solid rgba(228,213,168,.34);border-radius:var(--radius-feature);box-shadow:var(--shadow-4);
}
.wizard::before{content:'';position:absolute;top:-1px;left:50%;transform:translateX(-50%);width:96px;height:2px;background:var(--gold-metal)}
.wizard .eyebrow{margin-bottom:.9rem;color:var(--omni-gold-soft)}
.wizard h2{font-size:var(--step-3);margin-bottom:.7rem}
.wizard h2{color:#fff}
.wizard-sub{color:rgba(255,255,255,.76);max-width:460px;margin:0 auto;line-height:1.65;font-size:var(--step-0)}
.wizard-meta{font-size:var(--step--1);letter-spacing:.14em;color:rgba(255,255,255,.62);margin:.9rem 0 1.8rem;text-transform:uppercase}

.wizard-form{text-align:left}
.booking-fields{border:none}
@keyframes stepIn{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:none}}
.booking-fields legend{
  font-family:var(--serif);font-size:var(--step-2);font-weight:600;line-height:1.18;color:#fff;text-align:center;
  margin:0 auto 1.5rem;float:none;display:block;width:100%;
}

/* form feedback */
.field-hint{font-size:var(--step--1);color:var(--omni-ink-muted);line-height:1.5;margin-top:-.35rem}
.form-errors{
  margin-bottom:1.1rem;padding:.85rem 1.1rem;border-radius:var(--radius-control);
  background:#FBF0F0;border:1px solid var(--omni-red);color:#7C2E2E;
  font-size:var(--step--half);line-height:1.6;font-weight:500;
}
.form-errors[hidden]{display:none}
.field-msg{display:block;margin-top:.4rem;font-size:var(--step--1);font-weight:600;color:#7C2E2E;letter-spacing:normal;text-transform:none}
.wizard .field-msg{color:#F6C7C7}
.form-consent{margin-top:.5rem}
.wizard .form-consent a{color:var(--omni-gold-soft);text-decoration:underline;text-underline-offset:3px}
.wizard .form-consent a:hover,.wizard .form-consent a:focus-visible{color:#fff}

.field-stack{display:flex;flex-direction:column;gap:1rem;margin-bottom:1.3rem}
.booking-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.booking-field{display:flex;flex-direction:column;gap:.45rem;color:var(--omni-navy);font-size:var(--step--2);font-weight:700;letter-spacing:.08em;text-transform:uppercase}
.wizard .booking-field{color:var(--omni-gold-soft)}
.booking-field input,.booking-field select{
  width:100%;min-height:52px;padding:.75rem 1rem;border-radius:var(--radius-control);outline:none;
  background:var(--omni-canvas);border:1px solid var(--line-control);color:var(--omni-ink);
  font-family:var(--sans);font-size:var(--step--half);letter-spacing:normal;text-transform:none;transition:var(--duration-standard) var(--ease-standard);
}
.booking-field input:focus,.booking-field select:focus{border-color:var(--omni-navy);background:var(--omni-surface);box-shadow:0 0 0 3px rgba(18,39,67,.08)}
.booking-field input[type="date"]{cursor:pointer}
.booking-field input.error,.booking-field select.error{border-color:var(--omni-red);box-shadow:0 0 0 3px rgba(158,59,59,.1)}
.floating{position:relative}
.floating input,.floating textarea{
  width:100%;padding:1.3rem 1.1rem .5rem;border-radius:var(--radius-control);outline:none;
  background:var(--omni-canvas);border:1px solid var(--line-control);color:var(--omni-ink);
  font-family:var(--sans);font-size:var(--step--half);transition:var(--duration-standard) var(--ease-standard);
}
.floating textarea{min-height:92px;resize:vertical;padding-top:1.45rem}
.floating input:focus,.floating textarea:focus{border-color:var(--omni-navy);background:var(--omni-surface);box-shadow:0 0 0 3px rgba(18,39,67,.08)}
.booking-field input:focus-visible,.booking-field select:focus-visible,
.floating input:focus-visible,.floating textarea:focus-visible{
  outline:2px solid #fff;outline-offset:3px;
  box-shadow:0 0 0 3px var(--omni-navy);
}
.floating input.error,.floating textarea.error{border-color:var(--omni-red);box-shadow:0 0 0 3px rgba(158,59,59,.1)}
.floating label{position:absolute;left:1.1rem;top:.9rem;color:var(--omni-ink-muted);font-size:var(--step--half);pointer-events:none;transition:var(--duration-standard) var(--ease-standard)}
.floating input:focus~label,.floating input:not(:placeholder-shown)~label,
.floating textarea:focus~label,.floating textarea:not(:placeholder-shown)~label{
  top:.38rem;font-size:var(--step--3);font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--omni-navy);
}
.send-row{display:flex;gap:.85rem;margin-top:.4rem}
.send-row .btn{flex:1}
.wizard .field-hint,.wizard>.microcopy,.wizard .booking-fields>.microcopy{color:rgba(255,255,255,.68)}
.wizard .btn-primary{background:#fff;color:var(--omni-navy);border-color:#fff;box-shadow:none}
.wizard .btn-primary:hover,.wizard .btn-primary:focus-visible{background:var(--omni-canvas);color:var(--omni-navy-deep);box-shadow:inset 0 -2px 0 var(--omni-gold)}
.wizard .btn-primary:disabled{cursor:wait;opacity:.72;transform:none}
.wizard .btn-outline{color:#fff;border-color:rgba(255,255,255,.62)}
.wizard .btn-outline:hover,.wizard .btn-outline:focus-visible{background:rgba(255,255,255,.1);color:#fff;border-color:#fff}
.wizard .btn:focus-visible{
  outline:2px solid #fff;outline-offset:4px;
  box-shadow:0 0 0 7px rgba(183,148,60,.5);
  box-shadow:0 0 0 7px color-mix(in srgb,var(--omni-gold) 50%,transparent);
}
@supports selector(label:has(select)){
  .booking-field:has(select){position:relative}
  .booking-field:has(select)::after{content:'';position:absolute;right:1rem;bottom:1.25rem;width:7px;height:7px;border-right:1.5px solid var(--omni-navy);border-bottom:1.5px solid var(--omni-navy);transform:rotate(45deg);pointer-events:none}
  .booking-field select{appearance:none;padding-right:2.5rem}
}

/* wizard success (rendered by JS) */
.wizard-success{padding:2rem 0;text-align:center}
.seal{
  width:72px;height:72px;margin:0 auto 1.6rem;border-radius:50%;display:flex;align-items:center;justify-content:center;
  background:var(--omni-surface);border:1.5px solid var(--omni-gold);
}
.wizard-success h2{margin-bottom:.8rem;color:#fff}
.wizard-success p{color:rgba(255,255,255,.74);max-width:420px;margin:0 auto 1rem;line-height:1.7;font-size:var(--step--half)}
.wizard-success strong{color:#fff}

/* ============ CONTACT ============ */
.contact-card{max-width:960px;margin:1rem auto 0;overflow:hidden}
.contact-top{
  display:flex;align-items:center;justify-content:flex-end;gap:1rem;flex-wrap:wrap;
  padding:1.5rem 2.6rem;border-bottom:1px solid var(--omni-line);
}
.resp{display:flex;align-items:center;gap:.5rem;color:var(--omni-ink-muted);font-size:var(--step--1)}
.contact-cols{display:grid;grid-template-columns:repeat(3,1fr)}
.contact-col{padding:2.3rem 2rem}
.contact-col:not(:last-child){border-right:1px solid var(--omni-line)}
.contact-head{display:flex;align-items:center;gap:1rem;margin-bottom:1.9rem}
.contact-head h3{font-family:var(--serif);font-size:var(--step-1);font-weight:600;color:var(--omni-navy)}
.contact-icon{
  width:44px;height:44px;border-radius:var(--radius-control);display:flex;align-items:center;justify-content:center;
  color:var(--omni-navy);background:var(--omni-navy-tint);border:1px solid var(--omni-gold-soft);
}
.contact-icon.solid{background:var(--omni-navy);color:#fff;border:none}
.contact-icon.brand-whatsapp{background:var(--whatsapp);color:#fff;border:none}
.contact-icon svg{width:20px;height:20px}
.person{margin-bottom:1.5rem}
.person:last-child{margin-bottom:0}
.person small{display:block;font-size:var(--step--2);font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--omni-ink-muted);margin-bottom:.3rem}
.person a{display:inline-flex;align-items:center;min-height:24px;font-size:var(--step-0);font-weight:600;color:var(--omni-navy);text-decoration:none;letter-spacing:-.01em;transition:color var(--duration-standard);word-break:break-word;border-bottom:1px solid transparent}
.person a:hover,.person a:focus-visible{border-bottom-color:var(--omni-gold)}
.person span{display:block;font-size:var(--step--1);color:var(--omni-ink-muted);margin-top:.15rem}

/* ============ FLOATING WHATSAPP (bottom-right corner) ============ */
.whatsapp-float{
  position:fixed;right:clamp(1rem,2.2vw,1.75rem);bottom:clamp(1rem,2.2vw,1.75rem);z-index:470;
  display:flex;align-items:center;justify-content:center;width:60px;height:60px;border-radius:50%;
  background:var(--whatsapp);color:#fff;
  box-shadow:0 10px 26px rgba(5,24,74,.24),0 2px 6px rgba(0,0,0,.14);
  transition:background var(--duration-standard),transform var(--duration-standard),box-shadow var(--duration-standard);
}
.whatsapp-float svg{width:32px;height:32px}
.whatsapp-float:hover,.whatsapp-float:focus-visible{
  background:var(--whatsapp-deep);transform:translateY(-2px);
  box-shadow:0 14px 32px rgba(5,24,74,.3),0 3px 8px rgba(0,0,0,.16);
}
/* the bubble floats over the dark hero AND the light canvas, so the ring
   needs contrast both ways: white inner against the green, navy outer against light */
.whatsapp-float:focus-visible{
  outline:2px solid #fff;outline-offset:2px;
  box-shadow:0 0 0 5px var(--omni-navy),0 10px 26px rgba(5,24,74,.24);
}
@media (prefers-reduced-motion:reduce){.whatsapp-float:hover,.whatsapp-float:focus-visible{transform:none}}

/* ============ FOOTER (the one dark section) ============ */
.footer{
  background:var(--omni-navy-deep);color:#B7C0D4;
  padding:4.5rem 2rem 3rem;text-align:center;font-size:var(--step--1);
  border-top:2px solid var(--omni-gold);
}
.footer-logo{
  height:72px;width:auto;max-width:100%;margin:0 auto 1.5rem;
  object-fit:contain;object-position:center;
}
.footer-line{margin-bottom:.35rem;color:#EDF1F8;font-weight:500}
.footer-dim{margin-bottom:1.4rem;color:#96A2BA;font-size:var(--step--1)}
.footer-whatsapp{
  display:inline-flex;align-items:center;gap:.55rem;min-height:44px;margin:0 auto 1.4rem;padding:.55rem 1.15rem;
  border-radius:var(--radius-control);border:1px solid rgba(37,211,102,.5);background:rgba(37,211,102,.12);
  color:#EDF1F8;font-weight:600;text-decoration:none;transition:background var(--duration-standard),border-color var(--duration-standard);
}
.footer-whatsapp svg{width:20px;height:20px;flex:none;color:var(--whatsapp)}
.footer-whatsapp:hover,.footer-whatsapp:focus-visible{background:rgba(37,211,102,.22);border-color:var(--whatsapp)}
.footer-whatsapp:focus-visible{outline-color:#fff}
.footer-links{display:flex;justify-content:center;align-items:center;gap:.35rem;margin-bottom:1.4rem;font-weight:600}
.footer-links a{color:#C9A84C;text-decoration:none;transition:color var(--duration-standard);display:inline-flex;align-items:center;min-height:24px;padding:0 .35rem}
.footer-links a:hover,.footer-links a:focus-visible{color:#D9C078;text-decoration:underline}
.footer-links a:focus-visible{outline-color:#fff}
.footer-links span{color:#48546F}
.footer-copy{color:#8E9AB2;font-size:var(--step--1)}

/* ============ POLICY MODALS ============ */
.policy{
  width:100%;max-width:none;height:100%;max-height:none;margin:0;padding:0;border:0;
  color:var(--omni-ink);background:transparent;overflow-y:auto;
}
.policy::backdrop{background:rgba(13,27,51,.62);backdrop-filter:blur(4px)}
.policy[open]{display:block;animation:stepIn var(--duration-standard) var(--ease-standard)}
html:not(.js) .policy:target,html.dialog-unsupported .policy:target{
  display:block;position:fixed;inset:0;z-index:1000;background:rgba(13,27,51,.62);
}
.policy-inner{
  max-width:820px;margin:3rem auto 6rem;background:var(--omni-canvas);
  border:1px solid var(--omni-line);border-radius:var(--radius-card);padding:2.5rem 2.8rem 3.5rem;
  box-shadow:0 24px 64px rgba(13,27,51,.35);
}
.policy-back{
  display:inline-flex;align-items:center;gap:.5rem;background:none;cursor:pointer;
  border:1px solid var(--omni-navy);border-radius:var(--radius-control);color:var(--omni-navy);
  font-size:var(--step--1);font-weight:600;padding:.5rem 1.1rem;margin-bottom:2rem;
  font-family:var(--sans);text-decoration:none;transition:var(--duration-standard);
}
.policy-back:hover,.policy-back:focus-visible{background:var(--omni-navy-tint)}
.policy-back:last-child{margin:2.5rem 0 0}
.policy-wrap .policy-title{
  font-family:var(--serif);font-size:var(--step-3);font-weight:600;color:var(--omni-navy);
  margin:0 0 .5rem;padding:0;border:0;
}
.policy-wrap .meta{color:var(--omni-ink-muted);font-size:var(--step--1);padding-bottom:1.5rem;border-bottom:1px solid var(--omni-line);margin-bottom:2.2rem}
.policy-wrap h2{
  font-family:var(--serif);font-size:var(--step-1);font-weight:600;color:var(--omni-navy);
  margin:2.2rem 0 .8rem;padding-left:.9rem;border-left:2px solid var(--omni-gold);
}
.policy-wrap p{font-size:var(--step--half);line-height:1.8;margin-bottom:1.1rem;color:var(--omni-ink)}
.policy-wrap ul{padding-left:1.4rem;margin-bottom:1.1rem}
.policy-wrap li{font-size:var(--step--half);line-height:1.8;margin-bottom:.45rem;color:var(--omni-ink)}
.policy-wrap a{color:var(--omni-navy);text-decoration-color:var(--omni-gold);text-underline-offset:3px}

/* ============ MOBILE ACTIONS / DESKTOP WAYFINDING ============ */
.mobile-action-bar{display:none}
/* ============ SERVICE PAGE HEAD ============ */
.page-head{
  padding:calc(var(--nav-height) + 3.2rem) 1.5rem var(--section-compact);
  background:linear-gradient(160deg,var(--omni-navy) 0%,var(--omni-navy-deep) 100%);
  color:#fff;text-align:center;position:relative;
}
.page-head::after{content:'';position:absolute;left:0;right:0;bottom:0;height:2px;background:var(--gold-metal)}
.page-head h1{color:#fff;font-size:var(--step-4);line-height:1.06;letter-spacing:var(--tracking-display);margin-bottom:var(--space-2)}
.page-head .lead{color:rgba(255,255,255,.8);margin:0 auto var(--space-4);max-width:620px}
.page-head-icon .sol-icon{margin:0 auto 1.4rem;background:rgba(255,255,255,.1);border-color:rgba(228,213,168,.45);color:#fff}
.page-head .btn-primary{background:#fff;color:var(--omni-navy);border-color:#fff;box-shadow:none}
.page-head .btn-primary:hover,.page-head .btn-primary:focus-visible{background:var(--omni-canvas);box-shadow:inset 0 -2px 0 var(--omni-gold)}
.page-head .btn-outline{background:rgba(3,16,46,.12);color:#fff;border-color:rgba(255,255,255,.5)}
.page-head .btn-outline:hover,.page-head .btn-outline:focus-visible{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.78)}
.page-head .btn:focus-visible{outline:2px solid #fff;outline-offset:4px}
.breadcrumb{display:flex;justify-content:center;align-items:center;gap:.55rem;font-size:var(--step--1);color:rgba(255,255,255,.62);margin-bottom:1.5rem}
.breadcrumb a{color:var(--omni-gold-soft);text-decoration:none;display:inline-flex;align-items:center;min-height:24px;padding:0 .3rem}
.breadcrumb a:hover,.breadcrumb a:focus-visible{text-decoration:underline}
.service-actions{display:flex;gap:.8rem;justify-content:center;flex-wrap:wrap}
.faq-more{margin-top:1.6rem}
.page-head .microcopy{color:rgba(255,255,255,.72);margin-bottom:var(--space-4)}
.service-body p{color:var(--omni-ink-muted);font-size:var(--step-0);line-height:1.78;margin-bottom:1.15rem;text-wrap:pretty}
.service-body .note-card{margin-top:2.2rem}
.service-body .mark-list{max-width:none;gap:.85rem}
@media (max-width:767px){
  .page-head{padding-top:calc(var(--nav-height) + 2.2rem)}
  .service-actions .btn{width:100%;max-width:340px}
}

/* ============ 404 ============ */
.not-found-page{min-height:100svh;background:radial-gradient(circle at 50% 0,rgba(228,213,168,.3),transparent 42%),var(--omni-canvas)}
.not-found-shell{min-height:100svh;display:grid;place-items:center;padding:var(--space-4)}
.not-found-card{width:min(680px,100%);padding:clamp(2rem,7vw,4.5rem);text-align:center;border-radius:var(--radius-feature);box-shadow:var(--shadow-3)}
.not-found-card>img{width:min(360px,80%);height:auto;margin:0 auto var(--space-5)}
.not-found-card h1{font-family:var(--serif);font-size:var(--step-4);line-height:1.05;letter-spacing:var(--tracking-display);color:var(--omni-navy);margin-bottom:var(--space-2)}
.not-found-card>p:not(.eyebrow){max-width:500px;margin:0 auto var(--space-4);color:var(--omni-ink-muted)}
.not-found-actions{display:flex;justify-content:center;gap:var(--space-2);flex-wrap:wrap}

/* ============ RESPONSIVE ============ */
@media (max-width:1024px){
  .contact-cols{grid-template-columns:1fr 1fr}
  .contact-col:nth-child(2){border-right:none}
  .contact-col:not(:last-child){border-bottom:1px solid var(--omni-line)}
  .solutions-grid{grid-template-columns:1fr 1fr}
  .sol-cta{grid-column:1/-1}
  .why-grid{grid-template-columns:1fr 1fr}
  .reviews-track{grid-template-columns:1fr 1fr}
  html.js .review-card{flex-basis:calc(50% - .65rem)}
  /* the inline links and the burger must swap at the SAME breakpoint,
     or 769–1024px is left with no navigation at all */
  html.js .nav-links{display:none}
  html.js .hamburger{display:block}
  html:not(.js) header.nav{position:static;flex-wrap:wrap;padding:var(--space-2)}
  html:not(.js) .nav-links{order:3;width:100%;display:flex;gap:var(--space-2);overflow-x:auto;padding-top:var(--space-1)}
}
@media (max-width:767px){
  .section{padding:4.2rem 0}
  .wrap{padding:0 1.25rem}
  header.nav,header.nav.scrolled{padding:.7rem 1.25rem}
  html.js .nav-actions .btn{display:none}
  .solutions-grid{grid-template-columns:1fr}
  .sol-cta{grid-column:auto}
  .sol-cta{min-height:280px}
  .steps{grid-template-columns:1fr;gap:1.1rem}
  .steps::before{display:none}
  .step-one,.step-two,.step-three{grid-column:auto;grid-row:auto}
  .why-grid{grid-template-columns:1fr}
  .reviews-track{grid-template-columns:1fr}
  html.js .review-card{flex-basis:100%}
  .wizard{padding:2.4rem 1.3rem}
  .booking-grid{grid-template-columns:1fr}
  .send-row{flex-direction:column}
  .contact-cols{grid-template-columns:1fr}
  .contact-col{padding:1.8rem 1.5rem}
  .contact-col:not(:last-child){border-right:none;border-bottom:1px solid var(--omni-line)}
  .contact-top{padding:1.3rem 1.5rem}
  .policy-inner{margin:1rem;padding:1.6rem 1.3rem 2.5rem}
  body{padding-bottom:calc(var(--mobile-action-height) + env(safe-area-inset-bottom))}
  .mobile-action-bar{
    position:fixed;left:0;right:0;bottom:0;z-index:480;display:grid;grid-template-columns:1fr 1.25fr;gap:var(--space-1);
    min-height:var(--mobile-action-height);padding:var(--space-1) var(--space-2) calc(var(--space-1) + env(safe-area-inset-bottom));
    background:rgba(246,244,241,.96);border-top:1px solid var(--line-default);box-shadow:0 -8px 28px rgba(5,24,74,.12);
    backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  }
  .mobile-action-bar a{display:flex;align-items:center;justify-content:center;min-height:48px;border-radius:var(--radius-control);font-weight:700;text-decoration:none}
  .mobile-action-call{color:var(--omni-navy);border:1px solid var(--omni-navy);background:#fff}
  .mobile-action-book{color:#fff;background:var(--omni-navy);box-shadow:inset 0 -2px 0 var(--omni-gold)}
  /* the corner bubble sits just above this bar on phones */
  .whatsapp-float{
    right:1rem;bottom:calc(var(--mobile-action-height) + env(safe-area-inset-bottom) + .75rem);
    width:54px;height:54px;
  }
  .whatsapp-float svg{width:28px;height:28px}
  .hero-stage{min-height:82svh;padding:7rem 1.1rem 6.4rem}
  .hero-media{inset:-14% -10%;transform:none}
  .hero-bg{object-position:center 55%;transform-origin:center 55%}
  .hero-copy{max-width:560px;transform:none}
  .hero-eyebrow{font-size:var(--step--3);letter-spacing:.14em;gap:.65rem;margin-bottom:1.65rem}
  .hero-eyebrow-text{max-width:240px}
  .hero-eyebrow .rule{width:32px}
  .hero h1{font-size:var(--step-4-mobile);line-height:1.02;margin-bottom:1.1rem}
  .hero-sub{font-size:var(--step--half);line-height:1.62;margin-bottom:1.7rem}
  .hero-actions{width:100%;gap:.7rem}
  .hero-actions .btn{width:100%;max-width:340px}
  .hero-trust{font-size:var(--step--2)}
  .hero-support{padding:0 1.1rem 3.2rem}
  .hero-stats{flex-direction:column;gap:1.2rem;padding:1.7rem 1.4rem;width:100%;max-width:340px;margin-top:0}
  .stat-divider{width:60%;height:1px}
  .lenders{margin-top:3.6rem}
  .hero-scroll-cue{bottom:2.6rem}
}
@media (max-width:480px){
  .hero h1{font-size:var(--step-4-mobile-compact)}
  .pill{width:150px;height:64px}
  .footer{padding:3.4rem 1.25rem 5rem}
}

/* ============ REDUCED MOTION ============ */
/* Keep standalone controls usable by touch without changing their visual style. */
.hamburger,.rev-btn,.btn-sm { min-width:44px; min-height:44px; }
.rev-dots button { width:44px; height:44px; }
.rev-dots button::before { left:18px; top:18px; }
.nav-links a,.breadcrumb a,.microcopy a,.person a,.footer-links a,.policy-back {
  min-height:44px; min-width:44px;
}
.nav-links a { display:inline-flex; align-items:center; }
.reviews-nav { flex-wrap:wrap; gap:.5rem; }
.footer-links { flex-wrap:wrap; }

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none !important;transition:none !important}
  html{scroll-behavior:auto}
  .marquee-track{animation:none;flex-wrap:wrap;justify-content:center;width:100%}
  html.js .reveal{opacity:1;transform:none}
  html.js .heading-reveal .heading-line>span{opacity:1 !important;transform:none !important}
  .hero-media,.hero-copy{opacity:1 !important;transform:none !important}
  .hero-bg{transform:scale(1) !important}
  .hero-intro,.hero-eyebrow-text{opacity:1 !important;transform:none !important}
  .hero-eyebrow .rule{transform:scaleX(1) !important}
  .hero .btn-primary::before{display:none !important}
  .hero-scroll-cue{animation:none !important;transform:none !important}
  .hero-will-change .hero-media,.hero-will-change .hero-bg,.hero-will-change .hero-copy,.hero-will-change .hero-intro,.hero-will-change .hero-eyebrow-text,.hero-will-change .hero-eyebrow .rule{will-change:auto !important}
}