/* Layout: dark navy brand band (header + hero) like the CRM top bar, then light working sections of white cards with cyan accents */
:root{
  --navy:#080c16; --navy-2:#111a2e; --navy-line:#1c2740; --on-navy:#e7edf7; --on-navy-dim:#93a3bd;
  --teal:#0e7490; --cyan:#06b6d4; --cyan-ink:#0e7490;
  --bg:#f4f6fa; --card:#ffffff; --ink:#0f172a; --muted:#5b6b82; --line:#e2e8f0; --line-2:#cbd5e1;
  --tint:#ecfeff; --tint-line:#a5f3fc; --good:#15803d; --bad:#b91c1c; --bad-bg:#fef2f2;
  --font:"Plus Jakarta Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
  --r:12px; --shadow:0 1px 2px rgba(15,23,42,.05),0 8px 24px rgba(15,23,42,.06);
}
@media (prefers-color-scheme: dark){ :root:not([data-theme="light"]){
  --bg:#0b111d; --card:#111a2b; --ink:#e7edf7; --muted:#9aa8bd; --line:#1f2b42; --line-2:#2c3a55;
  --tint:#0b2a33; --tint-line:#155e75; --cyan-ink:#22d3ee; --good:#4ade80; --bad:#f87171; --bad-bg:#2a1414;
  --shadow:0 1px 2px rgba(0,0,0,.3),0 8px 24px rgba(0,0,0,.25); color-scheme:dark } }
:root[data-theme="dark"]{
  --bg:#0b111d; --card:#111a2b; --ink:#e7edf7; --muted:#9aa8bd; --line:#1f2b42; --line-2:#2c3a55;
  --tint:#0b2a33; --tint-line:#155e75; --cyan-ink:#22d3ee; --good:#4ade80; --bad:#f87171; --bad-bg:#2a1414;
  --shadow:0 1px 2px rgba(0,0,0,.3),0 8px 24px rgba(0,0,0,.25); color-scheme:dark }

*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){ html{scroll-behavior:auto} *{transition:none!important;animation:none!important} }
body{background:var(--bg);color:var(--ink);font-family:var(--font);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:60;background:var(--navy)}
h1,h2,h3{line-height:1.15;text-wrap:balance;margin:0}
p{margin:0}
a{color:var(--cyan-ink)}
.wrap{max-width:1160px;margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--cyan-ink)}
button{font-family:inherit}
:focus-visible{outline:3px solid var(--cyan);outline-offset:2px}

/* ---- header ---- */
.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:var(--navy);border-bottom:3px solid var(--cyan)}
.top .wrap{display:flex;align-items:center;gap:24px;padding-block:12px}
.logo{height:34px;width:auto;display:block}
.nav{display:flex;gap:22px;margin-left:auto;align-items:center}
.nav a{color:var(--on-navy-dim);text-decoration:none;font-size:14.5px;font-weight:600}
.nav a:hover{color:#fff}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:9px;font-weight:700;font-size:15px;padding:12px 20px;border:1.5px solid transparent;cursor:pointer;text-decoration:none;transition:background .15s,border-color .15s,transform .15s}
.btn-cyan{background:var(--cyan);color:var(--navy)}
.btn-cyan:hover{background:#22d3ee}
.btn-ghost{background:transparent;color:var(--on-navy);border-color:#334155}
.btn-ghost:hover{border-color:var(--cyan)}
.btn-line{background:var(--card);color:var(--ink);border-color:var(--line-2)}
.btn-line:hover{border-color:var(--cyan)}
.btn-sm{padding:8px 14px;font-size:14px}
@media (max-width:820px){ .nav a:not(.login){display:none} .nav{gap:8px} }
@media (max-width:420px){ .nav .login{padding:8px 10px;font-size:13px} .nav .btn-cyan{display:none} }
.nav a.login{color:var(--on-navy)}

/* ---- hero ---- */
.hero{background:var(--navy);color:var(--on-navy);overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding-block:64px 72px}
.hero h1{font-size:clamp(34px,5vw,54px);font-weight:800;letter-spacing:-.02em;color:#fff}
.hero h1 em{font-style:normal;color:var(--cyan)}
.hero .lead{font-size:18px;color:var(--on-navy-dim);margin-top:18px;max-width:56ch}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.stats{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:40px;padding-top:24px;border-top:1px solid var(--navy-line)}
.stat b{display:block;font-size:30px;font-weight:800;color:#fff;letter-spacing:-.01em}
.stat span{font-size:13px;color:var(--on-navy-dim)}
/* example quote card, in the CRM's Deal Structure style */
.qcard{background:var(--navy-2);border:1px solid var(--navy-line);border-radius:16px;padding:22px;box-shadow:0 30px 60px rgba(0,0,0,.35)}
.qcard .qh{display:flex;justify-content:space-between;align-items:center;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--on-navy-dim);font-weight:700}
.qcard .qh span:last-child{background:rgba(6,182,212,.15);color:var(--cyan);padding:3px 9px;border-radius:999px;letter-spacing:.04em}
.qcard .asset{font-size:19px;font-weight:700;color:#fff;margin:12px 0 16px}
.qgrid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.qcell{background:rgba(255,255,255,.03);border:1px solid var(--navy-line);border-left:3px solid var(--cyan);border-radius:10px;padding:10px 12px}
.qcell small{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.06em;color:var(--on-navy-dim);font-weight:700}
.qcell b{font-size:18px;color:#fff;font-variant-numeric:tabular-nums}
.qcell.big{grid-column:span 2;background:var(--cyan);border-color:var(--cyan)}
.qcell.big small{color:#0b3b47} .qcell.big b{color:var(--navy);font-size:26px}
.qnote{font-size:12px;color:var(--on-navy-dim);margin-top:12px}
@media (max-width:900px){ .hero .wrap{grid-template-columns:1fr;gap:36px;padding-block:44px 52px} }

/* ---- sections ---- */
section.band{padding-block:72px}
section.band.first{padding-block:44px 56px}
.shead{display:flex;flex-direction:column;gap:10px;max-width:700px;margin-bottom:32px}
.shead h2{font-size:clamp(26px,3.4vw,36px);font-weight:800;letter-spacing:-.015em}
.shead p{color:var(--muted);font-size:17px}
.groupttl{display:flex;align-items:center;gap:12px;margin:8px 0 14px;font-size:14px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.groupttl::after{content:"";flex:1;height:1px;background:var(--line)}
.pgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-bottom:36px}
#gridBiz .prod:first-child{grid-column:span 2}
#gridPer{grid-template-columns:repeat(2,minmax(0,1fr))}
@media (max-width:900px){ .pgrid,#gridPer{grid-template-columns:repeat(2,minmax(0,1fr))} }
@media (max-width:600px){ .pgrid,#gridPer{grid-template-columns:1fr} #gridBiz .prod:first-child{grid-column:auto} .stats{grid-template-columns:1fr 1fr} }
.prod{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px;display:flex;flex-direction:column;gap:10px;transition:border-color .15s,box-shadow .15s,transform .15s}
.prod:hover{border-color:var(--cyan);box-shadow:var(--shadow);transform:translateY(-2px)}
.prod .ic{width:42px;height:42px;border-radius:10px;background:var(--tint);color:var(--cyan-ink);display:grid;place-items:center}
.prod .ic svg{width:24px;height:24px}
.prod h3{font-size:18px;font-weight:700}
.prod p{color:var(--muted);font-size:14.5px;flex:1}
.prod .uses{font-size:13px;color:var(--muted)}
.prod .uses b{color:var(--ink);font-weight:600}
.prod .btn{align-self:flex-start;margin-top:6px}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;counter-reset:s}
.stp{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px}
.stp .n{font-size:13px;font-weight:800;color:var(--cyan-ink);letter-spacing:.06em}
.stp h3{font-size:18px;margin:6px 0 8px}
.stp p{color:var(--muted);font-size:15px}
@media (max-width:820px){ .steps{grid-template-columns:1fr} }

.alt{background:var(--card);border-block:1px solid var(--line)}
.struct{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:16px}
.sitem{border:1px solid var(--line);border-radius:var(--r);padding:20px;background:var(--bg)}
.sitem h3{font-size:17px;margin-bottom:6px}
.sitem p{font-size:14.5px;color:var(--muted)}
.sitem .tag{display:inline-block;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--cyan-ink);background:var(--tint);border:1px solid var(--tint-line);padding:2px 8px;border-radius:999px;margin-bottom:10px}
.fine{font-size:13px;color:var(--muted);margin-top:20px;max-width:80ch}

/* ---- calculator ---- */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;align-items:start}
.calc.compact{grid-template-columns:1fr}
@media (max-width:860px){ .calc{grid-template-columns:1fr} }
.cin{display:flex;flex-direction:column;gap:18px}
.cfield label{display:flex;justify-content:space-between;align-items:baseline;gap:10px;font-weight:700;font-size:14.5px}
.cfield label output{font-variant-numeric:tabular-nums;color:var(--cyan-ink);font-weight:800}
.cfield .hint{font-size:13px;color:var(--muted);margin-top:4px}
.cfield input[type=range]{width:100%;accent-color:var(--cyan);margin-top:8px}
.money{display:flex;align-items:center;border:1.5px solid var(--line-2);border-radius:9px;background:var(--card);margin-top:6px;overflow:hidden}
.money span{padding:0 12px;color:var(--muted);font-weight:700}
.money input{flex:1;min-width:0;border:0;outline:0;background:transparent;color:var(--ink);font:inherit;font-weight:700;padding:11px 12px 11px 0;font-variant-numeric:tabular-nums}
.money:focus-within{border-color:var(--cyan);box-shadow:0 0 0 3px rgba(6,182,212,.2)}
.money .suf{padding:0 12px 0 0}
.toggle,.f .toggle{display:flex;gap:10px;align-items:flex-start;cursor:pointer;font-weight:700;font-size:14.5px}
.toggle input{width:20px;height:20px;accent-color:var(--cyan);margin-top:2px;flex:none}
.toggle small{display:block;font-weight:500;color:var(--muted);font-size:13px;margin-top:2px}
.seg{display:inline-flex;border:1.5px solid var(--line-2);border-radius:9px;overflow:hidden;margin-top:6px}
.seg button{border:0;background:var(--card);color:var(--ink);padding:9px 14px;font-weight:700;font-size:14px;cursor:pointer}
.seg button.on{background:var(--navy);color:#fff}
.cout{background:var(--navy);color:var(--on-navy);border-radius:16px;padding:24px;position:sticky;top:90px}
.cout .big{font-size:13px;text-transform:uppercase;letter-spacing:.08em;color:var(--on-navy-dim);font-weight:700}
.cout .pay{font-size:44px;font-weight:800;color:#fff;font-variant-numeric:tabular-nums;letter-spacing:-.02em;line-height:1.1;margin:4px 0 2px}
.cout .per{color:var(--on-navy-dim);font-size:14px}
.cout dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:20px 0 0;padding-top:18px;border-top:1px solid var(--navy-line);font-size:14.5px}
.cout dt{color:var(--on-navy-dim)} .cout dd{margin:0;text-align:right;font-weight:700;color:#fff;font-variant-numeric:tabular-nums}
.cout .disc{font-size:12px;color:var(--on-navy-dim);margin-top:16px}
.cout .btn{width:100%;margin-top:18px}
.calc.compact .cout{position:static}

/* ---- CTA + footer ---- */
.cta{background:var(--navy);color:var(--on-navy)}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;padding-block:48px}
.cta h2{color:#fff;font-size:clamp(24px,3vw,32px);font-weight:800}
.cta p{color:var(--on-navy-dim);margin-top:6px}
footer{background:var(--navy);color:var(--on-navy-dim);border-top:1px solid var(--navy-line);font-size:13.5px}
footer .wrap{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:28px;padding-block:40px}
footer b{color:#fff}
footer .legal{grid-column:1/-1;border-top:1px solid var(--navy-line);padding-top:20px;font-size:12.5px;line-height:1.7}
footer a{color:var(--on-navy-dim)}
.sel{user-select:all;color:var(--on-navy)}
@media (max-width:760px){ footer .wrap{grid-template-columns:1fr} }

/* ---- wizard ---- */
.ov{position:fixed;inset:0;z-index:100;background:rgba(8,12,22,.6);backdrop-filter:blur(3px);display:flex;align-items:center;justify-content:center;padding:max(12px,env(safe-area-inset-top,0px)) max(12px,env(safe-area-inset-right,0px)) max(12px,env(safe-area-inset-bottom,0px)) max(12px,env(safe-area-inset-left,0px))}
.wz{background:var(--card);color:var(--ink);width:min(680px,100%);max-height:100%;border-radius:18px;display:flex;flex-direction:column;overflow:hidden;box-shadow:0 30px 80px rgba(0,0,0,.4)}
.wz.wide{width:min(900px,100%)}
.wzh{background:var(--navy);color:#fff;padding:16px 22px 0}
.wzh .row{display:flex;justify-content:space-between;align-items:center;gap:10px}
.wzh .ttl{font-weight:700;font-size:15px}
.wzh .ttl small{display:block;color:var(--on-navy-dim);font-weight:600;font-size:12.5px}
.x{background:none;border:0;color:var(--on-navy-dim);font-size:26px;line-height:1;cursor:pointer;padding:4px 8px;border-radius:8px}
.x:hover{color:#fff}
.bar{height:6px;background:var(--navy-line);border-radius:99px;margin:14px 0 0;overflow:hidden}
.bar i{display:block;height:100%;background:var(--cyan);border-radius:99px;transition:width .35s ease}
.dots{display:flex;justify-content:space-between;padding:8px 0 12px;font-size:11.5px;color:var(--on-navy-dim);font-weight:600}
.dots span.on{color:var(--cyan)}
@media (max-width:620px){ .dots{display:none} .bar{margin-bottom:14px} }
.wzb{padding:24px 22px;overflow:auto;flex:1}
.wzb h3{font-size:22px;font-weight:800;letter-spacing:-.01em}
.wzb .sub{color:var(--muted);margin:6px 0 20px;font-size:15px}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.fgrid .full{grid-column:1/-1}
@media (max-width:560px){ .fgrid{grid-template-columns:1fr} }
.f label{display:block;font-weight:700;font-size:14px;margin-bottom:6px}
.f label .opt{font-weight:500;color:var(--muted)}
.f input[type=text],.f input[type=email],.f input[type=tel],.f select,.f textarea{width:100%;border:1.5px solid var(--line-2);border-radius:9px;padding:11px 12px;font:inherit;font-size:15px;color:var(--ink);background:var(--card)}
.f textarea{min-height:88px;resize:vertical}
.f input:focus,.f select:focus,.f textarea:focus{outline:0;border-color:var(--cyan);box-shadow:0 0 0 3px rgba(6,182,212,.2)}
.f .hint{font-size:12.5px;color:var(--muted);margin-top:5px}
.f.err input,.f.err select,.f.err textarea,.f.err .money{border-color:var(--bad)}
.f .msg{font-size:12.5px;color:var(--bad);margin-top:5px;font-weight:600}
.choices{display:grid;grid-template-columns:repeat(auto-fill,minmax(190px,1fr));gap:10px}
.choice{display:flex;gap:12px;align-items:center;text-align:left;border:1.5px solid var(--line-2);border-radius:12px;padding:12px 14px;background:var(--card);color:var(--ink);cursor:pointer;font-weight:700;font-size:14.5px}
.choice .ic{width:34px;height:34px;border-radius:9px;background:var(--tint);color:var(--cyan-ink);display:grid;place-items:center;flex:none}
.choice .ic svg{width:20px;height:20px}
.choice small{display:block;font-weight:500;color:var(--muted);font-size:12.5px}
.choice.on{border-color:var(--cyan);background:var(--tint);box-shadow:0 0 0 3px rgba(6,182,212,.18)}
.opts{display:flex;gap:8px;flex-wrap:wrap}
.pill{border:1.5px solid var(--line-2);background:var(--card);color:var(--ink);border-radius:999px;padding:8px 14px;font-weight:700;font-size:14px;cursor:pointer}
.pill.on{border-color:var(--cyan);background:var(--tint);color:var(--cyan-ink)}
.drop{border:2px dashed var(--line-2);border-radius:12px;padding:22px;text-align:center;color:var(--muted);cursor:pointer;background:var(--bg)}
.drop.over,.drop:hover{border-color:var(--cyan);background:var(--tint)}
.drop b{color:var(--ink)}
.files{list-style:none;margin:10px 0 0;padding:0;display:flex;flex-direction:column;gap:6px}
.files li{display:flex;justify-content:space-between;gap:10px;align-items:center;border:1px solid var(--line);border-radius:9px;padding:8px 12px;font-size:14px}
.files li span{overflow:hidden;text-overflow:ellipsis;white-space:nowrap;min-width:0}
.files button{background:none;border:0;color:var(--bad);font-weight:700;cursor:pointer}
.ticks{display:flex;flex-direction:column;gap:14px;margin:4px 0 22px}
.review{border:1px solid var(--line);border-radius:12px;overflow:hidden}
.review div{display:grid;grid-template-columns:170px 1fr;gap:12px;padding:10px 14px;border-bottom:1px solid var(--line);font-size:14.5px}
.review div:last-child{border-bottom:0}
.review dt{color:var(--muted);font-weight:600} .review dd{margin:0;font-weight:600;min-width:0;overflow-wrap:anywhere}
@media (max-width:520px){ .review div{grid-template-columns:1fr;gap:2px} }
.wzf{display:flex;justify-content:space-between;gap:10px;padding:14px 22px;border-top:1px solid var(--line);background:var(--card)}
.wzf .btn-cyan{min-width:140px}
.done{text-align:center;padding:24px 8px}
.done .tick{width:64px;height:64px;border-radius:50%;background:var(--tint);color:var(--cyan-ink);display:grid;place-items:center;margin:0 auto 16px;font-size:32px;font-weight:800}
.demo{font-size:13px;background:var(--bad-bg);color:var(--bad);border-radius:9px;padding:10px 12px;margin-top:16px}
.lock{overflow:hidden}

/* ---- v2: trust chips, fast lane, ATO, green, FAQ, mobile bar ---- */
.chips{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:20px;font-size:14px;color:var(--on-navy)}
.chips span{display:inline-flex;align-items:center;gap:7px}
.chips span::before{content:"✓";display:grid;place-items:center;width:18px;height:18px;border-radius:50%;background:rgba(6,182,212,.18);color:var(--cyan);font-size:11px;font-weight:800}
#gridBiz .prod.wide{grid-column:span 2}
@media (max-width:900px){ #gridBiz .prod.wide{grid-column:auto} }
.prod .badge{align-self:flex-start;font-size:11px;font-weight:800;letter-spacing:.05em;text-transform:uppercase;padding:3px 9px;border-radius:999px;background:var(--tint);color:var(--cyan-ink);border:1px solid var(--tint-line)}
.fast{background:var(--navy-2);color:var(--on-navy);border-top:1px solid var(--navy-line)}
.fast .wrap{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;padding-block:28px}
.fitem{display:flex;gap:14px;align-items:flex-start}
.fitem .fi{flex:none;width:44px;height:44px;border-radius:11px;background:rgba(6,182,212,.14);color:var(--cyan);display:grid;place-items:center;font-weight:800;font-size:15px}
.fitem .fi svg{width:22px;height:22px}
.fitem b{display:block;color:#fff;font-size:16px}
.fitem p{font-size:13.5px;color:var(--on-navy-dim);margin-top:2px}
@media (max-width:860px){ .fast .wrap{grid-template-columns:1fr} }
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:32px;align-items:start}
@media (max-width:900px){ .split{grid-template-columns:1fr} }
.panel{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:24px}
.alt .panel{background:var(--bg)}
.panel h3{font-size:18px;margin-bottom:12px}
.chk{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:12px}
.chk li{display:grid;grid-template-columns:24px 1fr;gap:10px;font-size:15px}
.chk li::before{content:"✓";display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:var(--tint);color:var(--cyan-ink);font-size:12px;font-weight:800;margin-top:1px}
.chk li b{display:block}
.chk li span{color:var(--muted);font-size:14px}
.ptitle{display:flex;gap:12px;align-items:center;margin-bottom:6px}
.callout{border-left:4px solid var(--cyan);background:var(--tint);border-radius:0 12px 12px 0;padding:14px 16px;font-size:14.5px;margin-top:18px}
.callout b{color:var(--ink)}
.tiles{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin-top:16px}
.tile{border:1px solid var(--line);border-radius:12px;padding:14px;background:var(--card)}
.tile b{display:block;font-size:15px} .tile span{font-size:13.5px;color:var(--muted)}
@media (max-width:520px){ .tiles{grid-template-columns:1fr} }
.faq{display:flex;flex-direction:column;gap:10px;max-width:860px}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:0 18px}
.faq details[open]{border-color:var(--tint-line)}
.faq summary{cursor:pointer;list-style:none;font-weight:700;padding:16px 28px 16px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:22px;color:var(--cyan-ink);font-weight:600}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);font-size:15px;padding-bottom:16px}
.assure{display:flex;gap:8px;align-items:center;background:var(--tint);border:1px solid var(--tint-line);color:var(--ink);border-radius:10px;padding:10px 12px;font-size:13.5px;margin-bottom:18px}
.assure::before{content:"🔒";flex:none}
.mbar{display:none}
@media (max-width:760px){
  .mbar{display:flex;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:70;background:var(--navy);border-top:2px solid var(--cyan);padding:10px max(12px,env(safe-area-inset-right,0px)) max(10px,env(safe-area-inset-bottom,0px)) max(12px,env(safe-area-inset-left,0px))}
  .mbar .btn{flex:1;padding:12px 10px}
  body{padding-bottom:72px}
  body.lock .mbar{display:none}
}

/* ---- v3: hero stat boxes, ticker, product picker, accordions, worked example ---- */
.hstats{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.hstat{background:var(--navy-2);border:1px solid var(--navy-line);border-left:3px solid var(--cyan);border-radius:14px;padding:16px 18px}
.hstat b{display:block;font-size:26px;font-weight:800;color:#fff;letter-spacing:-.01em;line-height:1.15}
.hstat span{display:block;font-size:13.5px;color:var(--on-navy-dim);margin-top:4px}
.hstat.hl{background:linear-gradient(135deg,rgba(6,182,212,.22),rgba(6,182,212,.06));border-color:rgba(6,182,212,.5)}
.hstat .ai{display:inline-flex;align-items:center;gap:6px}
.hstat .ai svg{width:22px;height:22px;color:var(--cyan)}
@media (max-width:420px){ .hstat b{font-size:21px} .hstat{padding:13px 14px} }
.ticker{background:var(--navy);border-top:1px solid var(--navy-line);border-bottom:1px solid var(--navy-line);color:var(--on-navy);overflow:hidden;display:flex;align-items:stretch}
.ticker[hidden]{display:none}
.ticker .tl{flex:none;display:flex;align-items:center;gap:8px;background:var(--cyan);color:var(--navy);font-weight:800;font-size:12.5px;letter-spacing:.06em;text-transform:uppercase;padding:0 16px;white-space:nowrap;z-index:1}
.ticker .tl i{width:8px;height:8px;border-radius:50%;background:var(--navy);animation:cbd 1.4s infinite}
.ticker .tv{flex:1;overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 40px,#000 calc(100% - 40px),transparent)}
.ticker .tt{display:inline-flex;gap:0;white-space:nowrap;animation:tick var(--dur,60s) linear infinite;padding:12px 0}
.ticker:hover .tt{animation-play-state:paused}
.ticker .ti{display:inline-flex;align-items:center;gap:8px;padding:0 22px;font-size:14px;border-right:1px solid var(--navy-line)}
.ticker .ti b{color:var(--cyan);font-variant-numeric:tabular-nums}
@keyframes tick{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion: reduce){ .ticker .tv{overflow-x:auto} .ticker .tt{animation:none} }
@media (max-width:600px){ .ticker .tl{font-size:10.5px;padding:0 10px;letter-spacing:.03em} .ticker .ti{font-size:13px;padding:0 14px} }
.who{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;max-width:640px;margin-bottom:22px}
.whob{display:flex;gap:12px;align-items:center;border:2px solid var(--line-2);border-radius:14px;background:var(--card);padding:16px 18px;cursor:pointer;font:inherit;color:var(--ink);text-align:left;transition:border-color .15s,background .15s}
.whob:hover{border-color:var(--cyan)}
.whob .bx{flex:none;width:24px;height:24px;border-radius:7px;border:2px solid var(--line-2);display:grid;place-items:center;color:transparent;font-weight:900;font-size:15px}
.whob b{display:block;font-size:17px} .whob small{display:block;color:var(--muted);font-size:13px}
.whob.on{border-color:var(--cyan);background:var(--tint)}
.whob.on .bx{background:var(--cyan);border-color:var(--cyan);color:var(--navy)}
@media (max-width:520px){ .who{grid-template-columns:1fr} }
.pickhint{color:var(--muted);font-size:15px;padding:6px 0 10px}
.acc{display:flex;flex-direction:column;gap:10px;margin-bottom:26px}
.acc[hidden],.groupttl[hidden]{display:none}
.ai-row{background:var(--card);border:1px solid var(--line);border-radius:14px;overflow:hidden;transition:border-color .15s,box-shadow .15s}
.ai-row.open{border-color:var(--cyan);box-shadow:var(--shadow)}
.ai-h{display:flex;align-items:center;gap:14px;width:100%;background:none;border:0;padding:14px 18px;cursor:pointer;font:inherit;color:var(--ink);text-align:left}
.ai-h .ic{flex:none;width:40px;height:40px;border-radius:10px;background:var(--tint);color:var(--cyan-ink);display:grid;place-items:center}
.ai-h .ic svg{width:22px;height:22px}
.ai-h .nm{flex:1;min-width:0}
.ai-h .nm b{display:block;font-size:16.5px}
.ai-h .nm small{display:block;color:var(--muted);font-size:13.5px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.ai-h .badge{flex:none;font-size:11px;font-weight:800;letter-spacing:.05em;text-transform:uppercase;padding:3px 9px;border-radius:999px;background:var(--tint);color:var(--cyan-ink);border:1px solid var(--tint-line)}
.ai-h .ck{flex:none;width:26px;height:26px;border-radius:50%;border:2px solid var(--line-2);display:grid;place-items:center;color:transparent;font-weight:900;font-size:14px;transition:all .15s}
.ai-row.open .ai-h .ck{background:var(--cyan);border-color:var(--cyan);color:var(--navy);transform:rotate(0)}
.ai-b{display:none;padding:0 18px 18px 72px}
.ai-row.open .ai-b{display:block}
.ai-b p{color:var(--muted);font-size:15px}
.ai-b .uses{font-size:13.5px;color:var(--muted);margin-top:8px}
.ai-b .uses b{color:var(--ink)}
.ai-b .acts{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.ai-b .tiles{margin-top:12px}
.ai-b .chk{margin-top:12px}
@media (max-width:640px){ .ai-b{padding:0 16px 16px} .ai-h .badge{display:none} .ai-h{padding:12px 14px} }
.cmp{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-bottom:28px}
@media (max-width:860px){ .cmp{grid-template-columns:1fr} }
.cmpc{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:18px;display:flex;flex-direction:column;gap:10px;position:relative}
.cmpc.best{border:2px solid var(--cyan)}
.cmpc .tag{align-self:flex-start;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.06em;color:var(--cyan-ink);background:var(--tint);border:1px solid var(--tint-line);padding:2px 9px;border-radius:999px}
.cmpc h3{font-size:17px}
.cmpc .pay{font-size:30px;font-weight:800;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.cmpc .pay small{font-size:14px;font-weight:600;color:var(--muted)}
.cmpc dl{display:grid;grid-template-columns:1fr auto;gap:6px 12px;margin:0;font-size:14px;border-top:1px solid var(--line);padding-top:10px}
.cmpc dt{color:var(--muted)} .cmpc dd{margin:0;text-align:right;font-weight:700;font-variant-numeric:tabular-nums}
.cmpc .save{font-size:13.5px;font-weight:700;color:var(--good)}
.sacc{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
@media (max-width:760px){ .sacc{grid-template-columns:1fr} }
.sacc details{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:0 16px}
.sacc details[open]{border-color:var(--tint-line)}
.sacc summary{cursor:pointer;list-style:none;font-weight:700;padding:13px 26px 13px 0;position:relative;display:flex;gap:10px;align-items:center}
.sacc summary::-webkit-details-marker{display:none}
.sacc summary::after{content:"+";position:absolute;right:0;top:9px;font-size:21px;color:var(--cyan-ink)}
.sacc details[open] summary::after{content:"–"}
.sacc summary .tag{font-size:10.5px}
.sacc details p{color:var(--muted);font-size:14.5px;padding-bottom:14px}
.match{display:grid;grid-template-columns:1.1fr .9fr;gap:24px;align-items:center;margin-top:26px;background:var(--navy);color:var(--on-navy);border-radius:18px;padding:26px}
.match h3{color:#fff;font-size:21px;margin-bottom:8px}
.match p{color:var(--on-navy-dim);font-size:15px}
.match .flow{display:flex;flex-direction:column;gap:10px}
.match .fl{display:flex;gap:12px;align-items:center;background:var(--navy-2);border:1px solid var(--navy-line);border-radius:12px;padding:12px 14px;font-size:14.5px}
.match .fl b{color:#fff;display:block} .match .fl span{color:var(--on-navy-dim);font-size:13px}
.match .fl .n{flex:none;width:30px;height:30px;border-radius:50%;background:rgba(6,182,212,.18);color:var(--cyan);display:grid;place-items:center;font-weight:800}
@media (max-width:820px){ .match{grid-template-columns:1fr;padding:20px} }

/* ---- v4: client portal promo, footer links ---- */
.portal{display:grid;grid-template-columns:.9fr 1.1fr;gap:36px;align-items:center}
@media (max-width:960px){ .portal{grid-template-columns:1fr} }
.portal h2{font-size:clamp(26px,3.4vw,36px);font-weight:800;letter-spacing:-.015em;margin:10px 0 12px}
.portal .lead2{color:var(--muted);font-size:17px}
.pfeat{list-style:none;margin:20px 0 22px;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:12px 18px}
@media (max-width:520px){ .pfeat{grid-template-columns:1fr} }
.pfeat li{display:flex;gap:10px;align-items:flex-start;font-size:14.5px}
.pfeat li i{flex:none;width:30px;height:30px;border-radius:9px;background:var(--tint);color:var(--cyan-ink);display:grid;place-items:center;font-style:normal;font-size:15px}
.pfeat li b{display:block}
.pfeat li span{color:var(--muted);font-size:13.5px}
.shot{position:relative}
.shot .frame{background:#0b1220;border-radius:14px;padding:30px 8px 8px;box-shadow:0 30px 70px rgba(8,12,22,.35);position:relative}
.shot .frame::before{content:"";position:absolute;top:11px;left:14px;width:9px;height:9px;border-radius:50%;background:#ef4444;box-shadow:15px 0 #f59e0b,30px 0 #22c55e}
.shot .frame::after{content:"my.doshfinservices.com/loans";position:absolute;top:7px;left:50%;transform:translateX(-50%);font-size:11px;color:#94a3b8;background:#111a2e;border-radius:6px;padding:2px 12px}
.shot img{display:block;width:100%;height:auto;border-radius:6px}
.shot .second{position:absolute;right:-18px;bottom:-34px;width:52%;border-radius:10px;box-shadow:0 20px 50px rgba(8,12,22,.35);border:3px solid #0b1220}
@media (max-width:960px){ .shot .second{display:none} }
.shot .demo{position:absolute;left:12px;bottom:-26px;font-size:11.5px;color:var(--muted)}
.fprod{columns:2;column-gap:18px;margin-top:8px}
.fprod a{display:block;margin-bottom:4px}
.learn{font-weight:700;font-size:14px;align-self:center;margin-left:4px}

/* ---- chat ---- */
#chatbox{position:fixed;right:max(16px,env(safe-area-inset-right,0px));bottom:max(16px,env(safe-area-inset-bottom,0px));z-index:80;display:flex;flex-direction:column;align-items:flex-end;gap:10px}
.cb-btn{display:flex;align-items:center;gap:8px;background:var(--cyan);color:var(--navy);border:0;border-radius:999px;padding:12px 18px;font-weight:800;font-size:15px;cursor:pointer;box-shadow:0 10px 30px rgba(8,12,22,.3)}
.cb-btn svg{width:22px;height:22px}
#chatbox.on .cb-btn{display:none}
.cb-teaser{position:relative;background:var(--card);color:var(--ink);border:1px solid var(--line);border-radius:14px 14px 4px 14px;padding:12px 30px 12px 14px;max-width:260px;font-size:14px;box-shadow:var(--shadow);cursor:pointer}
.cb-tx{position:absolute;top:4px;right:6px;background:none;border:0;color:var(--muted);font-size:18px;cursor:pointer}
.cb-panel{width:min(380px,calc(100vw - 32px));height:min(560px,calc(100vh - 120px));background:var(--card);border:1px solid var(--line);border-radius:18px;box-shadow:0 30px 80px rgba(8,12,22,.35);display:flex;flex-direction:column;overflow:hidden}
.cb-panel[hidden]{display:none}
.cb-h{background:var(--navy);color:#fff;padding:14px 16px;display:flex;justify-content:space-between;align-items:center;border-bottom:3px solid var(--cyan)}
.cb-h small{display:block;color:var(--on-navy-dim);font-size:12px;font-weight:500}
.cb-x{background:none;border:0;color:var(--on-navy-dim);font-size:24px;cursor:pointer;line-height:1}
.cb-log{flex:1;overflow:auto;padding:14px;display:flex;flex-direction:column;gap:8px;background:var(--bg)}
.cb-m{max-width:85%;padding:9px 12px;border-radius:14px;font-size:14.5px;line-height:1.45;white-space:pre-wrap;overflow-wrap:anywhere}
.cb-m.ai{background:var(--card);border:1px solid var(--line);align-self:flex-start;border-bottom-left-radius:4px}
.cb-m.me{background:var(--navy);color:#fff;align-self:flex-end;border-bottom-right-radius:4px}
.cb-typing{display:flex;gap:4px}.cb-typing i{width:7px;height:7px;border-radius:50%;background:var(--muted);animation:cbd 1s infinite}.cb-typing i:nth-child(2){animation-delay:.15s}.cb-typing i:nth-child(3){animation-delay:.3s}
@keyframes cbd{0%,100%{opacity:.25}50%{opacity:1}}
.cb-card{align-self:stretch;background:var(--card);border:1.5px solid var(--cyan);border-radius:12px;padding:12px;display:flex;flex-direction:column;gap:8px;font-size:14px}
.cb-card dl{display:grid;grid-template-columns:auto 1fr;gap:4px 10px;margin:0;font-size:13.5px}.cb-card dt{color:var(--muted)}.cb-card dd{margin:0;overflow-wrap:anywhere}
.cb-err{color:var(--bad);font-size:13px}
.cb-quick{display:flex;flex-wrap:wrap;gap:6px;padding:0 14px 8px;background:var(--bg)}
.cb-quick:empty{display:none}
.cb-quick button{border:1.5px solid var(--line-2);background:var(--card);color:var(--ink);border-radius:999px;padding:6px 12px;font-weight:700;font-size:13px;cursor:pointer}
.cb-quick button:hover{border-color:var(--cyan)}
.cb-f{display:flex;gap:8px;padding:10px;border-top:1px solid var(--line)}
.cb-f input{flex:1;min-width:0;border:1.5px solid var(--line-2);border-radius:9px;padding:10px 12px;font:inherit;font-size:16px;background:var(--card);color:var(--ink)}
.cb-f input:focus{outline:0;border-color:var(--cyan)}
.cb-f .btn{padding:10px 14px}
.cb-note{font-size:11.5px;color:var(--muted);padding:0 12px 10px;margin:0}
@media (max-width:760px){ #chatbox{bottom:calc(76px + env(safe-area-inset-bottom,0px))} .cb-btn span{display:none} .cb-btn{padding:14px} #chatbox.on{left:8px;right:8px;bottom:8px} .cb-panel{width:100%;height:calc(100vh - 24px)} }
body.lock #chatbox{display:none}