/* Biz Capital Miami — dev site, Variant 5 (light, navy + gold) */

:root{
  --ink:#10192B; --ink-soft:#3C4A63; --muted:#7C8AA0;
  --paper:#F7F5EF; --surface:#FFFFFF; --line:#E4E0D4;
  --navy:#0B1E3A; --navy-soft:#15294A; --navy-deep:#081528;
  --gold:#C9A24B; --gold-light:#E4C97A; --gold-dark:#9C7A2E;
  --muted-dark:#AEB9CC; --line-dark:rgba(255,255,255,.14);
  --font-serif:'Playfair Display',Georgia,serif;
  --font-body:'Manrope',system-ui,sans-serif;
  --maxw:1184px;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font-body);
  background:var(--paper);
  color:var(--ink);
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{font-family:var(--font-serif);margin:0;font-weight:700;}
p{margin:0;}
a{text-decoration:none;color:inherit;}
img,svg{display:block;max-width:100%;}
ul{list-style:none;margin:0;padding:0;}
button{font-family:var(--font-body);border:none;background:none;cursor:pointer;}

.wrap{max-width:var(--maxw);margin:0 auto;padding-left:24px;padding-right:24px;}
@media (min-width:860px){.wrap{padding-left:64px;padding-right:64px;}}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 26px;border-radius:6px;font-weight:700;font-size:16px;transition:background .15s,transform .15s,border-color .15s;white-space:nowrap;}
.btn-primary{background:var(--navy);color:#fff;}
.btn-primary:hover{background:var(--navy-soft);transform:translateY(-1px);}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line);}
.btn-ghost:hover{border-color:var(--navy);}
.btn-ghost-dark{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.3);}
.btn-ghost-dark:hover{border-color:var(--gold-light);}
.btn-gold{background:var(--gold);color:var(--navy-deep);}
.btn-gold:hover{background:var(--gold-light);}
.btn-block{width:100%;}

/* Cards */
.card{background:var(--surface);border:1px solid var(--line);border-radius:10px;}
.card-hover{transition:box-shadow .2s,transform .2s;}
.card-hover:hover{box-shadow:0 24px 48px -24px rgba(11,30,58,.2);transform:translateY(-4px);}
.chip{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:18px;}

/* Nav */
.site-nav{display:flex;align-items:center;justify-content:space-between;padding:18px 0;}
.brand{display:flex;align-items:center;gap:10px;}
.wordmark{display:flex;flex-direction:column;line-height:1.05;}
.wordmark .top{font-family:var(--font-serif);font-weight:700;font-size:16px;color:var(--navy);}
.wordmark .bottom{font-family:var(--font-serif);font-weight:600;font-size:9px;letter-spacing:.28em;color:var(--gold-dark);}
.logo-icon{height:34px;width:auto;}
.logo-icon--sm{height:28px;width:auto;}
.nav-links{display:none;align-items:center;gap:32px;}
.nav-actions{display:none;align-items:center;gap:14px;}
.nav-link{color:var(--ink-soft);font-weight:600;font-size:16px;transition:color .15s;}
.nav-link:hover,.nav-link.active{color:var(--gold-dark);}
.nav-toggle{display:flex;width:40px;height:40px;align-items:center;justify-content:center;}
.mobile-panel{display:none;flex-direction:column;gap:4px;padding:0 0 18px;}
.mobile-panel.open{display:flex;}
.mobile-panel .nav-link{padding:10px 0;border-bottom:1px solid var(--line);}
.mobile-panel .btn{margin-top:10px;}

@media (min-width:860px){
  .nav-links{display:flex;}
  .nav-actions{display:flex;}
  .nav-toggle{display:none;}
  .mobile-panel{display:none !important;}
}

/* Hero */
.hero{position:relative;overflow:hidden;background:var(--paper);padding:48px 0 48px;}
@media (min-width:860px){.hero{padding:72px 0 64px;}}
.hero-deco{position:absolute;opacity:.12;pointer-events:none;}
.hero-grid{position:relative;display:grid;gap:40px;align-items:center;}
@media (min-width:860px){.hero-grid{grid-template-columns:1.1fr .9fr;gap:56px;}}
.eyebrow{color:var(--gold-dark);font-weight:700;font-size:14px;letter-spacing:.14em;text-transform:uppercase;}
.hero h1{color:var(--navy);font-size:34px;line-height:1.24;}
@media (min-width:860px){.hero h1{font-size:53px;line-height:1.14;}}
.hero p.lede{color:var(--muted);font-size:17px;line-height:1.6;max-width:540px;}
@media (min-width:860px){.hero p.lede{font-size:20px;}}
.gold-accent{color:var(--gold-dark);}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;}
.fineprint{color:var(--muted);font-size:14px;}

.stat-chips{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:8px;}
@media (min-width:860px){.stat-chips{grid-template-columns:repeat(4,1fr);gap:16px;margin-top:40px;}}
.stat-chips .chip{display:flex;flex-direction:column;gap:4px;}
.stat-num{color:var(--gold-dark);font-family:var(--font-serif);font-weight:700;font-size:21px;}
@media (min-width:860px){.stat-num{font-size:25px;}}
.stat-label{color:var(--navy);font-weight:600;font-size:14px;}
@media (min-width:860px){.stat-label{font-size:15px;}}

/* Payout card (brokers hero) */
.payout-card{display:flex;flex-direction:column;gap:16px;padding:28px;box-shadow:0 24px 48px -28px rgba(11,30,58,.18);}
@media (min-width:860px){.payout-card{padding:32px;}}
.payout-top{display:flex;justify-content:space-between;align-items:center;font-size:15px;color:var(--muted);}
.payout-amount{color:var(--navy);font-family:var(--font-serif);font-size:39px;font-weight:700;}
@media (min-width:860px){.payout-amount{font-size:46px;}}
.payout-row{display:flex;justify-content:space-between;font-size:15px;color:var(--muted);}
.payout-row b{color:var(--navy);font-weight:600;}
.hr{height:1px;background:var(--line);border:none;margin:0;}

/* Image placeholder */
.img-ph{border-radius:16px;overflow:hidden;aspect-ratio:4/5;background:linear-gradient(160deg,#F2E9DF,#E7DCC9);display:flex;align-items:center;justify-content:center;border:1px solid var(--line);position:relative;}
.img-ph .inner{display:flex;flex-direction:column;align-items:center;gap:10px;color:var(--gold-dark);text-align:center;padding:16px;}
.floating-card{position:absolute;left:-14px;bottom:20px;padding:14px 18px;display:flex;align-items:center;gap:12px;box-shadow:0 20px 40px -20px rgba(28,20,32,.22);}
@media (min-width:860px){.floating-card{left:-24px;}}

/* Sections */
.section{padding:48px 0;}
@media (min-width:860px){.section{padding:80px 0;}}
.section-tight{padding:36px 0;}
.section-head{text-align:center;max-width:640px;margin:0 auto 32px;display:flex;flex-direction:column;gap:10px;}
@media (min-width:860px){.section-head{margin-bottom:48px;}}
.section-head h2{font-size:28px;}
@media (min-width:860px){.section-head h2{font-size:37px;}}
.section-surface{background:var(--surface);border-top:1px solid var(--line);border-bottom:1px solid var(--line);}

.grid-2{display:grid;gap:20px;}
@media (min-width:860px){.grid-2{grid-template-columns:1fr 1fr;gap:24px;}}
.grid-3{display:grid;gap:20px;}
@media (min-width:860px){.grid-3{grid-template-columns:repeat(3,1fr);gap:24px;}}
.grid-4{display:grid;grid-template-columns:1fr 1fr;gap:16px;}
@media (min-width:860px){.grid-4{grid-template-columns:repeat(4,1fr);gap:20px;}}

.path-card{padding:28px;display:flex;flex-direction:column;gap:16px;}
@media (min-width:860px){.path-card{padding:40px;gap:20px;}}
.path-icon-row{display:flex;align-items:flex-start;justify-content:space-between;}
.icon-badge{width:44px;height:44px;border-radius:8px;background:var(--paper);border:1px solid var(--line);display:flex;align-items:center;justify-content:center;}
@media (min-width:860px){.icon-badge{width:48px;height:48px;}}
.path-card h3{font-size:22px;}
@media (min-width:860px){.path-card h3{font-size:24px;}}
.path-card p{color:var(--muted);font-size:16px;line-height:1.6;}
.check-list{display:flex;flex-direction:column;gap:10px;}
.check-list li{display:flex;gap:10px;align-items:flex-start;font-size:16px;color:var(--ink-soft);}
.check-list svg{flex-shrink:0;margin-top:3px;}

.step{display:flex;flex-direction:column;gap:10px;}
.step-num{width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:var(--font-serif);font-weight:700;font-size:16px;}
.step h3{font-size:17px;color:var(--navy);}
.step p{color:var(--muted);font-size:15px;line-height:1.6;}

.tier-card{padding:24px;display:flex;flex-direction:column;gap:8px;position:relative;}
@media (min-width:860px){.tier-card{padding:28px;}}
.tier-label{color:var(--muted);font-size:14px;font-weight:600;letter-spacing:.04em;}
.tier-amount{font-family:var(--font-serif);font-size:30px;color:var(--navy);}
@media (min-width:860px){.tier-amount{font-size:34px;}}
.tier-badge{position:absolute;top:-12px;right:20px;background:var(--gold);color:var(--navy-deep);font-size:13px;font-weight:700;padding:4px 12px;border-radius:999px;}
.tier-featured{border-color:var(--gold);border-width:2px;}

.spotlight{padding:22px 24px;display:flex;align-items:center;gap:16px;}
@media (min-width:860px){.spotlight{padding:28px 32px;}}
.avatar-ph{width:56px;height:56px;border-radius:50%;background:var(--paper);border:1px solid var(--line);display:flex;align-items:center;justify-content:center;flex-shrink:0;color:var(--muted);}
@media (min-width:860px){.avatar-ph{width:64px;height:64px;}}

.faq-card{padding:20px 22px;}
@media (min-width:860px){.faq-card{padding:24px 28px;}}
.faq-card h3{font-size:17px;margin-bottom:8px;}
.faq-card p{color:var(--muted);font-size:16px;line-height:1.6;}

/* About */
.avatar-row{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;}
.avatar-sq{width:56px;height:56px;border-radius:14px;background:var(--paper);border:1px solid var(--line);display:flex;align-items:center;justify-content:center;color:var(--muted);}
@media (min-width:860px){.avatar-sq{width:72px;height:72px;}}

/* CTA banner */
.cta-banner{border-radius:10px;background:var(--navy);padding:40px 24px;text-align:center;display:flex;flex-direction:column;gap:14px;align-items:center;margin:0 24px;}
@media (min-width:860px){.cta-banner{padding:64px 48px;margin:0 64px;}}
.cta-banner h2{color:#fff;font-size:25px;}
@media (min-width:860px){.cta-banner h2{font-size:32px;}}
.cta-banner p{color:var(--muted-dark);font-size:16px;}
@media (min-width:860px){.cta-banner p{font-size:17px;}}

/* Footer */
.site-footer{background:var(--surface);padding:40px 0 24px;border-top:1px solid var(--line);}
.foot-grid{display:grid;gap:28px;padding-bottom:32px;}
@media (min-width:860px){.foot-grid{grid-template-columns:1.4fr 1fr 1fr 1fr;padding-bottom:40px;}}
.foot-col{display:flex;flex-direction:column;gap:12px;}
.foot-title{color:var(--navy);font-weight:700;font-size:15px;}
.foot-link{color:var(--ink-soft);font-size:16px;transition:color .15s;}
.foot-link:hover{color:var(--gold-dark);}
.foot-bottom{border-top:1px solid var(--line);padding-top:20px;display:flex;flex-direction:column;gap:6px;color:var(--muted);font-size:15px;}
@media (min-width:860px){.foot-bottom{flex-direction:row;justify-content:space-between;}}

/* Form (Get Funded) */
.app-layout{display:grid;gap:28px;}
@media (min-width:860px){.app-layout{grid-template-columns:1.5fr 1fr;gap:40px;align-items:start;}}
.form-card{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:24px;display:flex;flex-direction:column;gap:22px;}
@media (min-width:860px){.form-card{padding:40px;gap:26px;}}
.steps-row{display:flex;align-items:center;gap:8px;}
.step-dot{width:26px;height:26px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;font-family:var(--font-serif);flex-shrink:0;}
.step-dot-label{font-size:14px;font-weight:600;white-space:nowrap;}
.step-line{flex:1;height:2px;background:var(--line);}
.form-group{display:flex;flex-direction:column;gap:16px;}
.form-group h2{font-size:20px;color:var(--navy);}
@media (min-width:860px){.form-group h2{font-size:22px;}}
.form-row{display:grid;grid-template-columns:1fr;gap:14px;}
@media (min-width:460px){.form-row{grid-template-columns:1fr 1fr;}}
.field{display:flex;flex-direction:column;gap:6px;}
.field label{font-size:15px;font-weight:600;color:var(--ink-soft);}
.field input,.field select{padding:12px 14px;border:1.5px solid var(--line);border-radius:6px;font-size:16px;color:var(--ink);background:#fff;font-family:var(--font-body);}
.field input:focus,.field select:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--gold);}
.span-2{grid-column:1 / -1;}

.sidebar{display:flex;flex-direction:column;gap:18px;}
.why-card{background:var(--navy);border-radius:10px;padding:24px;display:flex;flex-direction:column;gap:14px;}
@media (min-width:860px){.why-card{padding:30px;}}
.why-card h3{color:#fff;font-size:18px;}
@media (min-width:860px){.why-card h3{font-size:20px;}}
.why-item{display:flex;gap:12px;align-items:flex-start;}
.why-item p{color:var(--muted-dark);font-size:15px;line-height:1.6;}
.broker-note{padding:22px;display:flex;flex-direction:column;gap:8px;}
.broker-note h3{font-size:16px;color:var(--navy);}
@media (min-width:860px){.broker-note h3{font-size:17px;}}
.broker-note p{color:var(--muted);font-size:15px;line-height:1.6;}

/* Signup (brokers page) */
.signup-card{max-width:620px;margin:0 auto;background:var(--navy);border-radius:10px;padding:32px 24px;display:flex;flex-direction:column;gap:20px;}
@media (min-width:860px){.signup-card{padding:52px;}}
.signup-head{text-align:center;display:flex;flex-direction:column;gap:6px;}
.signup-head h2{color:#fff;font-size:25px;}
@media (min-width:860px){.signup-head h2{font-size:30px;}}
.signup-head p{color:var(--muted-dark);font-size:16px;}
.signup-grid{display:grid;grid-template-columns:1fr;gap:14px;}
@media (min-width:460px){.signup-grid{grid-template-columns:1fr 1fr;}}
.signup-grid .field label{color:var(--muted-dark);}

/* Broker testimonials */
.reviews-grid{display:grid;gap:32px;align-items:stretch;}
@media (min-width:960px){.reviews-grid{grid-template-columns:320px 1fr;gap:48px;align-items:center;}}
.reviews-intro{display:flex;flex-direction:column;gap:14px;}
.reviews-intro h2{font-size:34px;color:var(--navy);line-height:1.12;}
@media (min-width:860px){.reviews-intro h2{font-size:48px;}}
.reviews-intro p{color:var(--muted);font-size:17px;line-height:1.65;max-width:440px;}
.reviews-nav{display:flex;gap:14px;margin-top:8px;}
.rev-arrow{width:52px;height:52px;border-radius:50%;display:flex;align-items:center;justify-content:center;transition:background .15s,border-color .15s,transform .15s;}
.rev-arrow--ghost{background:transparent;border:1.5px solid var(--line);color:var(--ink-soft);}
.rev-arrow--ghost:hover{border-color:var(--navy);transform:translateY(-1px);}
.rev-arrow--gold{background:var(--gold);color:var(--navy-deep);}
.rev-arrow--gold:hover{background:var(--gold-light);transform:translateY(-1px);}

.reviews-track{display:grid;grid-auto-flow:column;grid-auto-columns:86%;gap:18px;overflow-x:auto;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;scrollbar-width:none;padding-bottom:4px;}
.reviews-track::-webkit-scrollbar{display:none;}
@media (min-width:600px){.reviews-track{grid-auto-columns:58%;}}
@media (min-width:960px){.reviews-track{grid-template-columns:1fr 1fr;grid-auto-flow:row;overflow:visible;gap:24px;}}
.review-item{scroll-snap-align:start;display:flex;flex-direction:column;}

.chat-card{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:16px;box-shadow:0 26px 50px -30px rgba(11,30,58,.28);}
.chat-scroll{display:flex;flex-direction:column;gap:7px;}

/* iMessage / SMS */
.bub{max-width:84%;padding:9px 14px;border-radius:19px;font-size:16px;line-height:1.4;}
.bub-in{background:#E9E9EB;color:#111;align-self:flex-start;border-bottom-left-radius:6px;}
.bub-out{background:#34C759;color:#fff;align-self:flex-end;border-bottom-right-radius:6px;}

/* WhatsApp */
.chat-wa{background:#ECE5DD;border-radius:12px;padding:14px 12px;display:flex;flex-direction:column;gap:8px;}
.wa-date{align-self:center;background:#fff;color:#54656f;font-size:13px;font-weight:600;padding:4px 12px;border-radius:8px;box-shadow:0 1px 1px rgba(0,0,0,.06);}
.wa-bub{max-width:88%;padding:7px 10px 6px;border-radius:9px;font-size:16px;line-height:1.42;color:#111b21;box-shadow:0 1px 1px rgba(0,0,0,.08);}
.wa-in{background:#fff;align-self:flex-start;border-top-left-radius:2px;}
.wa-out{background:#D9FDD3;align-self:flex-end;border-top-right-radius:2px;}
.wa-meta{display:inline-flex;align-items:center;gap:3px;float:right;margin:6px 0 -2px 10px;font-size:12px;color:#667781;}
.wa-tick{color:#53bdeb;margin-top:1px;}

/* Attribution */
.review-foot{display:flex;align-items:center;gap:13px;flex-wrap:wrap;margin-top:auto;padding-top:20px;}
.rev-avatar{width:44px;height:44px;border-radius:50%;background:var(--paper);border:1px solid var(--line);display:flex;align-items:center;justify-content:center;font-family:var(--font-serif);font-weight:700;color:var(--gold-dark);font-size:20px;flex-shrink:0;}
.rev-who{display:flex;flex-direction:column;}
.rev-name{font-weight:700;font-size:17px;color:var(--navy);}
.rev-role{color:var(--muted);font-size:15px;}
.rev-note{display:inline-flex;align-items:flex-end;gap:4px;margin-left:auto;color:var(--gold-dark);font-family:'Caveat',cursive;font-size:22px;font-weight:600;line-height:1.05;text-align:right;}
.rev-note svg{flex-shrink:0;margin-bottom:2px;}
@media (max-width:640px){.rev-note{margin-left:56px;margin-top:4px;text-align:left;}}

/* Utility */
.text-center{text-align:center;}
.mt-sm{margin-top:6px;}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);}

/* ===================== Full rebuild components ===================== */

/* Number cards (§2.2) */
.num-card{display:flex;flex-direction:column;gap:6px;padding:22px;text-align:left;}
.num-card .num{font-family:var(--font-serif);font-weight:700;color:var(--gold-dark);font-size:30px;line-height:1;}
@media (min-width:860px){.num-card .num{font-size:37px;}}
.num-card .num-label{color:var(--navy);font-weight:600;font-size:15px;line-height:1.4;}

/* Why-work cards (§2.3) */
.why-grid{display:grid;gap:20px;}
@media (min-width:760px){.why-grid{grid-template-columns:1fr 1fr;gap:24px;}}
.why-block{padding:26px;display:flex;flex-direction:column;gap:14px;}
@media (min-width:860px){.why-block{padding:32px;}}
.why-block h3{font-size:21px;color:var(--navy);}
.why-block .check-list li{font-size:16px;}

/* Who we fund (§2.5 / §3.3) */
.ind-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;}
@media (min-width:760px){.ind-grid{grid-template-columns:repeat(6,1fr);gap:18px;}}
.ind-item{display:flex;flex-direction:column;align-items:center;gap:10px;text-align:center;padding:18px 10px;}
.ind-item .icon-badge{background:var(--paper);}
.ind-item span{font-size:15px;font-weight:600;color:var(--navy);}
.ind-other{color:var(--ink-soft);font-size:16px;line-height:1.6;text-align:center;margin-top:20px;}
.declines{display:flex;flex-direction:column;gap:14px;background:#FCECEC;border:1px solid #F3C9C9;border-radius:10px;padding:22px 24px;margin-top:24px;}
.declines-head{display:flex;align-items:center;gap:10px;color:#B02A2A;font-weight:700;font-size:16px;letter-spacing:.02em;}
.declines ul{display:flex;flex-direction:column;gap:8px;}
.declines li{display:flex;align-items:flex-start;gap:10px;color:#7E2B2B;font-size:16px;}
.declines li svg{flex-shrink:0;margin-top:2px;color:#B02A2A;}
.link-gold{color:var(--gold-dark);font-weight:700;font-size:16px;display:inline-flex;align-items:center;gap:6px;}
.link-gold:hover{text-decoration:underline;}

/* Referral band (§2.7) */
.referral-band{background:var(--navy);border-radius:12px;padding:36px 24px;display:flex;flex-direction:column;gap:14px;align-items:flex-start;}
@media (min-width:860px){.referral-band{padding:52px 56px;}}
.referral-band .eyebrow{color:var(--gold-light);}
.referral-band h2{color:#fff;font-size:28px;}
@media (min-width:860px){.referral-band h2{font-size:34px;}}
.referral-band p{color:var(--muted-dark);font-size:17px;line-height:1.65;max-width:620px;}
.referral-band a{color:var(--gold-light);font-weight:700;}

/* Guidelines — dark submit bar (§3.1) */
.copy-bar{background:var(--navy);border-radius:10px;padding:24px;display:flex;flex-direction:column;gap:14px;align-items:flex-start;}
@media (min-width:640px){.copy-bar{flex-direction:row;align-items:center;justify-content:space-between;padding:24px 32px;}}
.copy-bar .cb-text{color:#fff;font-size:17px;font-weight:600;}
.copy-bar .cb-text b{color:var(--gold-light);font-weight:700;}
.copy-btn{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--navy-deep);font-weight:700;font-size:15px;padding:11px 18px;border-radius:6px;transition:background .15s;}
.copy-btn:hover{background:var(--gold-light);}
.copy-btn.copied{background:#6BBF59;color:#fff;}

/* Criteria two columns (§3.2) */
.crit-cols{display:grid;gap:20px;}
@media (min-width:760px){.crit-cols{grid-template-columns:1fr 1fr;gap:24px;}}
.crit-col{padding:26px;display:flex;flex-direction:column;gap:14px;}
.crit-col h3{font-size:18px;color:var(--navy);}
.crit-col ul{display:flex;flex-direction:column;gap:10px;}
.crit-col li{display:flex;gap:10px;align-items:flex-start;font-size:16px;color:var(--ink-soft);}
.crit-col li svg{flex-shrink:0;margin-top:3px;color:var(--gold-dark);}

/* Submission checklist (§3.5) */
.rules{display:flex;flex-direction:column;gap:22px;}
.rule{padding:24px;display:flex;flex-direction:column;gap:14px;}
.rule-head{display:flex;gap:14px;align-items:flex-start;}
.rule-num{width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;flex-shrink:0;display:flex;align-items:center;justify-content:center;font-family:var(--font-serif);font-weight:700;font-size:16px;}
.rule-head h3{font-size:18px;color:var(--navy);padding-top:4px;}
.dodont{display:grid;gap:12px;}
@media (min-width:640px){.dodont{grid-template-columns:1fr 1fr;}}
.dd{border-radius:8px;padding:14px 16px;font-size:16px;line-height:1.5;}
.dd-label{display:flex;align-items:center;gap:7px;font-weight:700;font-size:14px;letter-spacing:.03em;margin-bottom:7px;text-transform:uppercase;}
.dd-do{background:#EDF7ED;border:1px solid #CDE8CD;color:#2C5E2C;}
.dd-do .dd-label{color:#2E7D32;}
.dd-dont{background:#FCECEC;border:1px solid #F3C9C9;color:#7E2B2B;}
.dd-dont .dd-label{color:#B02A2A;}
.dd .ex{display:block;margin-top:6px;font-style:italic;opacity:.85;}
.note-warn{background:#FFF6E0;border:1px solid #F1DEA6;border-radius:8px;padding:14px 16px;color:#7A5B12;font-size:16px;line-height:1.55;display:flex;gap:10px;align-items:flex-start;}
.note-warn svg{flex-shrink:0;margin-top:2px;color:#C79A28;}
.rules-foot{text-align:center;color:var(--gold-dark);font-weight:700;font-size:16px;margin-top:8px;}

/* FAQ accordion (§4.1) */
.accordion{display:flex;flex-direction:column;gap:12px;max-width:820px;margin:0 auto;}
.acc-item{border:1px solid var(--line);border-radius:10px;background:var(--surface);overflow:hidden;}
.acc-q{width:100%;text-align:left;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 22px;font-family:var(--font-body);font-weight:700;font-size:17px;color:var(--navy);}
.acc-q .acc-ico{flex-shrink:0;transition:transform .2s;color:var(--gold-dark);}
.acc-item.open .acc-q .acc-ico{transform:rotate(45deg);}
.acc-a{max-height:0;overflow:hidden;transition:max-height .25s ease;}
.acc-item.open .acc-a{max-height:520px;}
.acc-a-inner{padding:0 22px 20px;color:var(--muted);font-size:16px;line-height:1.65;}

/* Contact cards (§4.3) */
.contact-grid{display:grid;gap:20px;}
@media (min-width:860px){.contact-grid{grid-template-columns:repeat(3,1fr);gap:24px;}}
.contact-card{padding:28px;display:flex;flex-direction:column;gap:14px;}
.contact-card h3{font-size:20px;color:var(--navy);}
.contact-card p{color:var(--muted);font-size:16px;line-height:1.6;}
.contact-lines{display:flex;flex-direction:column;gap:6px;margin-top:auto;padding-top:6px;}
.contact-lines a{color:var(--gold-dark);font-weight:600;font-size:16px;}
.contact-lines a:hover{text-decoration:underline;}

/* Partner form (§5) */
.partner-wrap{max-width:720px;margin:0 auto;}
.check-field{display:flex;gap:12px;align-items:flex-start;}
.check-field input{margin-top:3px;width:18px;height:18px;flex-shrink:0;accent-color:var(--gold-dark);}
.check-field label{font-size:15px;color:var(--ink-soft);line-height:1.55;}
.hp-field{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden;}
.form-note{font-size:14px;color:var(--muted);line-height:1.55;}
.form-note a{color:var(--gold-dark);font-weight:600;}
.form-screen{border:1px solid var(--line);border-radius:10px;background:var(--surface);padding:36px 28px;text-align:center;display:flex;flex-direction:column;gap:14px;align-items:center;}
.form-screen h3{font-size:23px;color:var(--navy);}
.form-screen p{color:var(--muted);font-size:16px;line-height:1.6;max-width:440px;}
.form-screen .big-ico{width:56px;height:56px;border-radius:50%;display:flex;align-items:center;justify-content:center;}
.form-screen.ok .big-ico{background:#EDF7ED;color:#2E7D32;}
.form-screen.err .big-ico{background:#FCECEC;color:#B02A2A;}

/* Prose / legal pages (§6) */
.prose{max-width:780px;margin:0 auto;color:var(--ink-soft);font-size:17px;line-height:1.75;}
.prose h2{font-size:23px;color:var(--navy);margin:32px 0 12px;}
.prose h3{font-size:18px;color:var(--navy);margin:22px 0 8px;}
.prose p{margin:0 0 14px;}
.prose ul{list-style:disc;padding-left:22px;margin:0 0 14px;display:flex;flex-direction:column;gap:6px;}
.prose a{color:var(--gold-dark);font-weight:600;}
.prose .updated{color:var(--muted);font-size:15px;margin-bottom:24px;}
.placeholder-box{background:#FFF6E0;border:1px dashed #E0C56A;border-radius:8px;padding:16px 18px;color:#7A5B12;font-size:16px;line-height:1.6;margin-bottom:24px;}

/* Cookie banner (§6) */
.cookie-banner{position:fixed;left:16px;right:16px;bottom:16px;z-index:60;background:var(--navy);color:#fff;border-radius:12px;padding:20px 22px;box-shadow:0 24px 48px -20px rgba(0,0,0,.4);display:flex;flex-direction:column;gap:16px;}
@media (min-width:760px){.cookie-banner{left:auto;right:24px;bottom:24px;max-width:420px;}}
.cookie-banner p{font-size:15px;line-height:1.6;color:var(--muted-dark);}
.cookie-banner p a{color:var(--gold-light);font-weight:600;}
.cookie-actions{display:flex;gap:10px;flex-wrap:wrap;}
.cookie-actions .btn{padding:10px 18px;font-size:15px;}

/* Page hero (interior pages) */
.page-hero{padding:40px 0 8px;}
@media (min-width:860px){.page-hero{padding:56px 0 8px;}}
.page-hero h1{color:var(--navy);font-size:32px;line-height:1.18;}
@media (min-width:860px){.page-hero h1{font-size:46px;}}
.page-hero p.sub{color:var(--muted);font-size:17px;line-height:1.6;max-width:640px;margin-top:12px;}
@media (min-width:860px){.page-hero p.sub{font-size:20px;}}

/* footer disclaimer + placeholder markers for missing Copy text */
.foot-disclaimer{border-top:1px solid var(--line);padding-top:20px;margin:0 0 18px;color:var(--muted);font-size:14px;line-height:1.6;max-width:900px;}
.placeholder-inline{display:inline;color:#B98A1E;background:#FFF6E0;border:1px dashed #E0C56A;border-radius:4px;padding:0 5px;font-size:.85em;font-style:italic;}

/* Back to top */
.to-top{position:fixed;right:20px;bottom:20px;z-index:50;width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 12px 26px -10px rgba(11,30,58,.55);opacity:0;visibility:hidden;transform:translateY(12px);transition:opacity .2s,transform .2s,visibility .2s,background .15s;}
.to-top.show{opacity:1;visibility:visible;transform:none;}
.to-top:hover{background:var(--gold);color:var(--navy-deep);}
@media (min-width:860px){.to-top{right:28px;bottom:28px;width:50px;height:50px;}}
body.cookie-open .to-top{bottom:200px;}

/* Industry card hover zoom */
.ind-item{transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease;}
.ind-item:hover{transform:scale(1.05);box-shadow:0 18px 36px -20px rgba(11,30,58,.28);border-color:var(--gold);}
/* Legal org line */
.legal-org{color:var(--muted);font-size:14px;line-height:1.6;margin-bottom:24px;}

/* Click-to-load map */
.map-box{aspect-ratio:16/10;border-radius:16px;overflow:hidden;border:1px solid var(--line);background:linear-gradient(160deg,#F2E9DF,#E7DCC9);display:flex;align-items:center;justify-content:center;}
.map-cta{display:flex;flex-direction:column;align-items:center;gap:10px;text-align:center;color:var(--gold-dark);padding:20px;}
.map-cta span{color:var(--navy);font-weight:600;font-size:16px;max-width:260px;}
.map-cta small{color:var(--muted);font-size:13px;}
.map-box iframe{width:100%;height:100%;border:0;display:block;}
/* hidden attribute must always win over display:flex/grid */
[hidden]{display:none !important;}
/* single-DO rules span full width */
.dodont:has(.dd:only-child){grid-template-columns:1fr;}
/* criteria/industry cards size to content */
.crit-cols{align-items:start;}

/* === Global compaction (tighter vertical rhythm) === */
.section{padding:32px 0;}
@media (min-width:860px){.section{padding:50px 0;}}
.section-tight{padding:24px 0;}
.section-head{margin:0 auto 22px;}
@media (min-width:860px){.section-head{margin-bottom:30px;}}
.hero{padding:34px 0 30px;}
@media (min-width:860px){.hero{padding:50px 0 42px;}}
.page-hero{padding:32px 0 4px;}
@media (min-width:860px){.page-hero{padding:42px 0 4px;}}
.cta-banner{padding:34px 24px;}
@media (min-width:860px){.cta-banner{padding:46px 48px;}}
@media (min-width:860px){.stat-chips{margin-top:28px;}}
/* Bigger industry icons, smaller labels */
.ind-item{padding:20px 10px 15px;gap:12px;}
.ind-item .icon-badge{width:66px;height:66px;border-radius:12px;}
.ind-item .icon-badge svg{width:34px;height:34px;}
.ind-item span{font-size:14px;}
@media (min-width:860px){
  .ind-item .icon-badge{width:74px;height:74px;}
  .ind-item .icon-badge svg{width:40px;height:40px;}
}
/* Darker body/muted text for readability */
:root{--muted:#58657a;}
/* Compact Automatic declines (items in a row) */
.declines{padding:15px 20px;gap:9px;}
.declines ul{flex-direction:row;flex-wrap:wrap;gap:8px 28px;}
/* Hero ISO Team card */
.team-card{padding:28px;display:flex;flex-direction:column;gap:18px;align-items:center;text-align:center;box-shadow:0 24px 48px -28px rgba(11,30,58,.18);}
.team-card .eyebrow{letter-spacing:.14em;}
.team-row{display:flex;gap:20px;justify-content:center;flex-wrap:wrap;}
.team-member{display:flex;flex-direction:column;align-items:center;gap:9px;margin:0;}
.team-member img{width:84px;height:84px;border-radius:50%;object-fit:cover;border:2px solid var(--line);background:var(--paper);}
@media (min-width:860px){.team-member img{width:96px;height:96px;}}
.team-member figcaption{font-weight:700;font-size:16px;color:var(--navy);}
.team-note{color:var(--muted);font-size:15px;line-height:1.55;max-width:300px;}
/* Bigger ISO Team photos */
.team-row{gap:16px;}
.team-member img{width:94px;height:94px;}
@media (min-width:860px){.team-member img{width:116px;height:116px;}}
/* Automatic declines — single inline line with colon */
.declines{display:flex;flex-direction:row;align-items:center;gap:0;background:#FCECEC;border:1px solid #F3C9C9;border-radius:10px;padding:14px 22px;margin-top:24px;}
.declines-line{display:flex;align-items:center;gap:10px;color:#7E2B2B;font-size:16px;line-height:1.4;margin:0;}
.declines-line svg{flex-shrink:0;color:#B02A2A;}
.declines-line b{color:#B02A2A;font-weight:700;}
@media (max-width:560px){.declines-line{align-items:flex-start;}.declines-line svg{margin-top:2px;}}
/* ===== Batch 2026-10-28 tweaks ===== */
/* ISO Team card — overlapping avatars, no names, bigger, tighter */
.team-card{padding:24px 26px;gap:14px;align-items:flex-start;text-align:left;}
.team-title{font-family:var(--font-serif);font-weight:700;font-size:23px;line-height:1.22;color:var(--navy);margin:0;}
.team-row{display:flex;gap:0;justify-content:flex-start;flex-wrap:nowrap;padding-left:6px;}
.team-member{margin:0;display:block;}
.team-member + .team-member{margin-left:-18px;}
.team-member img{width:88px;height:88px;border-radius:50%;object-fit:cover;border:3px solid var(--surface);box-shadow:0 4px 12px -3px rgba(11,30,58,.3);background:var(--paper);}
@media (min-width:860px){.team-member img{width:108px;height:108px;}.team-member + .team-member{margin-left:-22px;}}
.team-note{color:var(--muted);font-size:16px;line-height:1.55;}

/* Bigger number-card figures */
.num-card .num{font-size:37px;}
@media (min-width:860px){.num-card .num{font-size:51px;}}

/* Sticky header with Become a Partner button */
header.wrap{position:sticky;top:0;z-index:100;background:var(--paper);box-shadow:0 10px 30px -22px rgba(11,30,58,.55);}

/* Keep the Become a Partner CTA pinned in the header on mobile too */
@media (max-width:759px){
  .site-nav{gap:10px;flex-wrap:nowrap;justify-content:space-between;}
  .brand{flex:0 0 auto;}
  .brand .wordmark{display:none;}            /* icon-only logo on mobile frees room */
  .nav-actions{display:flex;flex:0 1 auto;min-width:0;}
  .nav-actions .btn{padding:9px 13px;font-size:12px;line-height:1;white-space:nowrap;}
  .nav-toggle{flex:0 0 auto;}
}

/* Reviews arrows only matter on mobile (desktop shows both cards in a grid) */
@media (min-width:960px){.reviews-nav{display:none;}}

/* Partner form — inline validation, site style (all invalid fields highlighted) */
.form-card input.field-invalid,.form-card select.field-invalid{border-color:#CE5B5B;box-shadow:0 0 0 3px rgba(206,91,91,.14);}
.form-card .field-error{display:block;margin-top:7px;font-size:12.5px;line-height:1.3;font-weight:600;color:#B23B3B;letter-spacing:.01em;}

/* Team avatars — center the row; all circles equal size */
.team-row{align-items:center;}

/* Primary (navy) button always has white text, even inside cards/contact-lines */
.btn.btn-primary{color:#fff;}

/* Become a Partner — compact bullet points above form */
.partner-points{list-style:none;margin:16px 0 0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:8px 22px;}
.partner-points li{position:relative;padding-left:22px;font-size:16px;font-weight:600;color:var(--navy);line-height:1.4;}
.partner-points li:before{content:"";position:absolute;left:3px;top:6px;width:8px;height:8px;border-radius:50%;background:var(--gold);}

/* Checklist — two short rules side by side */
.rules-two{display:grid;grid-template-columns:1fr 1fr;gap:16px;align-items:start;}
.rules-two .rule{margin:0;}
@media (max-width:700px){.rules-two{grid-template-columns:1fr;}}
/* Referral "why" headings — sans-serif, simpler */
.why-block h3{font-family:var(--font-body);font-weight:800;letter-spacing:-.01em;}
/* Bigger digits inside the numbered step/rule circles */
.rule-num,.step-num{font-size:22px;}
@media (min-width:860px){.rule-num,.step-num{font-size:23px;}}

/* Footer links read as clickable */
.site-footer .foot-link{transition:color .15s;}
.site-footer .foot-link:hover{color:var(--gold-dark);text-decoration:underline;}
.site-footer .foot-addr{color:var(--navy);font-weight:600;}

/* Feature cards — large icon badge pinned to top-right corner, title at top-left */
.why-block{position:relative;}
.why-block .icon-badge{position:absolute;top:24px;right:24px;margin:0;width:92px;height:92px;border-radius:16px;}
.why-block .icon-badge svg{width:54px;height:54px;}
.why-block h3,.why-block p{padding-right:112px;}
@media (min-width:860px){
  .why-block .icon-badge{top:28px;right:28px;width:116px;height:116px;border-radius:18px;}
  .why-block .icon-badge svg{width:68px;height:68px;}
  .why-block h3,.why-block p{padding-right:140px;}
}

/* Icons fill their badge tile (industry badges already sized larger below) */
.icon-badge svg{width:30px;height:30px;}
@media (min-width:860px){.icon-badge svg{width:32px;height:32px;}}

/* About — "What we do" + founder photo, balanced equal-height columns */
.about-do{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:stretch;}
.about-do__text{padding:40px;display:flex;flex-direction:column;justify-content:center;gap:16px;}
.about-do__text .eyebrow{margin:0;}
.about-do__text h2{font-size:28px;color:var(--navy);margin:0;}
.about-do__text p{color:var(--ink-soft);font-size:17px;line-height:1.75;margin:0;}
.about-do__photo{position:relative;margin:0;border-radius:16px;overflow:hidden;box-shadow:0 24px 48px -28px rgba(11,30,58,.35);}
.about-do__photo img{width:100%;height:100%;min-height:360px;aspect-ratio:4/3;object-fit:cover;object-position:center 20%;display:block;}
.about-do__photo figcaption{position:absolute;left:0;right:0;bottom:0;padding:44px 28px 22px;background:linear-gradient(to top,rgba(11,30,58,.9),rgba(11,30,58,0));color:#fff;}
.about-do__photo figcaption strong{display:block;font-family:var(--font-serif);font-weight:700;font-size:22px;line-height:1.2;}
.about-do__photo figcaption span{display:block;margin-top:3px;font-size:14px;color:rgba(255,255,255,.82);letter-spacing:.02em;}
@media (max-width:820px){.about-do{grid-template-columns:1fr;gap:20px;}.about-do__text{padding:28px;}.about-do__photo img{min-height:0;}}

/* "Who we fund" — tall icon cards, big icon up top + label bar at the bottom */
.ind-item{display:flex;flex-direction:column;align-items:center;justify-content:space-between;gap:0;padding:0;margin:0;aspect-ratio:3/4;background:var(--surface);border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:0 14px 30px -18px rgba(11,30,58,.22);}
.ind-item .icon-badge{flex:1;display:flex;align-items:center;justify-content:center;width:100%;height:auto;background:transparent;border:none;border-radius:0;}
.ind-item .icon-badge svg{width:76px;height:76px;}
@media (min-width:860px){.ind-item .icon-badge svg{width:90px;height:90px;}}
.ind-item span{display:block;width:100%;padding:16px 8px;background:var(--paper);border-top:1px solid var(--line);color:var(--navy);font-weight:700;font-size:15px;text-align:center;}
.ind-item:hover{box-shadow:0 22px 44px -18px rgba(11,30,58,.3);}
/* Global readability bump — larger base text */
body{font-size:18px;}