:root{
  --bg:#06101F; --bg-2:#0A1830; --panel:#0E1F3B; --panel-2:#132848; --line-d:rgba(160,185,230,.14);
  --ink:#0A0F1F; --ink-2:#2B3550; --muted:#5D6884; --paper:#F6F7FB; --white:#fff; --line:#E3E7F0;
  --a1:#1F5FD1; --a2:#E3BE6E; --a3:#7FB2FF; --gold:#C9A24A; --ok:#10B981; --warn:#F59E0B;
  --grad:linear-gradient(135deg,#F0D28A 0%,#C9A24A 100%);
  --display:'Manrope',system-ui,sans-serif; --sans:'Inter',system-ui,sans-serif; --mono:'JetBrains Mono',ui-monospace,monospace;
  --r:14px; --w:1180px;
}
*{box-sizing:border-box}
body{margin:0;font:16px/1.6 var(--sans);color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased}
a{color:inherit}
.wrap{max-width:var(--w);margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--display);letter-spacing:-.02em;line-height:1.08;margin:0 0 .5em}
h1{font-size:clamp(40px,6vw,68px);font-weight:800}
h2{font-size:clamp(30px,4vw,44px);font-weight:800}
h3{font-size:19px;font-weight:700}
.kicker{font:500 12px var(--mono);letter-spacing:.14em;text-transform:uppercase;color:var(--a2)}
.grad-text{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font:600 15px var(--sans);padding:14px 22px;border-radius:12px;border:0;cursor:pointer;text-decoration:none;transition:transform .15s,box-shadow .15s,background .15s}
.btn.primary{background:var(--grad);color:#05101F;box-shadow:0 10px 30px -10px rgba(201,162,74,.55)}
.btn.primary:hover{transform:translateY(-1px);box-shadow:0 14px 34px -10px rgba(201,162,74,.75)}
.btn.ghost{background:transparent;color:#fff;border:1px solid var(--line-d)}
.btn.ghost:hover{border-color:rgba(148,170,255,.4)}
.btn.dark{background:var(--ink);color:#fff}
.btn:disabled{opacity:.45;cursor:not-allowed;transform:none}

/* nav */
.nav{position:sticky;top:0;z-index:30;background:rgba(6,16,31,.88);backdrop-filter:blur(14px);border-bottom:1px solid var(--line-d)}
.nav .wrap{display:flex;align-items:center;height:68px;gap:28px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font:800 18px var(--display);letter-spacing:-.01em}
.logo .mark{width:30px;height:30px;border-radius:9px;background:var(--grad);display:grid;place-items:center}
.logo .ph{font:500 10px var(--mono);color:#8FA0D0;border:1px dashed rgba(143,160,208,.5);border-radius:6px;padding:2px 6px;margin-left:4px;letter-spacing:.08em}
.nav nav{display:flex;gap:4px;margin-left:auto}
.nav nav a{color:#B8C3E6;text-decoration:none;font-size:14.5px;padding:8px 12px;border-radius:8px}
.nav nav a:hover{color:#fff;background:rgba(255,255,255,.05)}
@media(max-width:860px){.nav nav{display:none}.nav .btn{margin-left:auto;white-space:nowrap;padding:11px 16px;font-size:14px}.nav .logo .ph{display:none}}

/* hero */
.hero{background:var(--bg);color:#fff;position:relative;overflow:hidden;padding:84px 0 96px}
.hero:before{content:"";position:absolute;inset:-20% -10% auto auto;width:780px;height:780px;background:radial-gradient(closest-side,rgba(31,95,209,.38),transparent 70%);pointer-events:none}
.hero:after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(148,170,255,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(148,170,255,.06) 1px,transparent 1px);background-size:56px 56px;mask-image:radial-gradient(ellipse 70% 60% at 50% 30%,#000 30%,transparent 80%);pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
@media(max-width:960px){.hero .wrap{grid-template-columns:1fr}}
.hero p.lead{font-size:19px;color:#B8C3E6;max-width:560px}
.pill{display:inline-flex;align-items:center;gap:8px;font:500 12.5px var(--mono);color:#C9D3F5;border:1px solid var(--line-d);background:rgba(255,255,255,.03);padding:6px 12px;border-radius:999px;margin-bottom:22px}
.pill .dot{width:7px;height:7px;border-radius:50%;background:var(--a2);box-shadow:0 0 0 4px rgba(227,190,110,.18);animation:pulse 2s infinite}
@keyframes pulse{50%{box-shadow:0 0 0 7px rgba(227,190,110,.05)}}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.hero .trust{display:flex;gap:28px;flex-wrap:wrap;margin-top:40px;color:#8FA0D0;font-size:13.5px}
.hero .trust b{display:block;font:700 22px var(--display);color:#fff}

/* estimator card */
.est{background:linear-gradient(180deg,rgba(19,30,58,.9),rgba(11,18,34,.95));border:1px solid var(--line-d);border-radius:20px;padding:26px;box-shadow:0 40px 80px -30px rgba(0,0,0,.7)}
.est .top{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.est .top span{font:500 12px var(--mono);color:#8FA0D0;letter-spacing:.08em;text-transform:uppercase}
.est .badge{font:600 11px var(--mono);color:#05101F;background:var(--grad);padding:4px 8px;border-radius:6px}
.est label{display:block;font-size:13px;color:#9FB0DA;margin:14px 0 6px}
.est .val{float:right;color:#fff;font:600 13px var(--mono)}
.est input[type=range]{width:100%;accent-color:#E3BE6E}
.est select{width:100%;background:#0A1124;color:#fff;border:1px solid var(--line-d);border-radius:10px;padding:11px 12px;font:15px var(--sans)}
.est .out{margin-top:22px;padding:18px;border-radius:14px;background:rgba(227,190,110,.06);border:1px solid rgba(227,190,110,.24)}
.est .out small{color:#8FA0D0;font:500 11.5px var(--mono);letter-spacing:.08em;text-transform:uppercase}
.est .out .amt{font:800 34px var(--display);margin:4px 0 2px}
.est .out p{margin:0;color:#8FA0D0;font-size:12.5px}
.est .btn{width:100%;margin-top:16px}

/* logos strip */
.strip{background:var(--bg-2);color:#6E7DA8;border-top:1px solid var(--line-d);border-bottom:1px solid var(--line-d);padding:22px 0;font:500 13px var(--mono);letter-spacing:.1em;text-transform:uppercase}
.strip .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}

/* sections */
section.s{padding:96px 0}
.head{max-width:680px;margin-bottom:48px}
.head p{color:var(--muted);font-size:18px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:860px){.steps{grid-template-columns:1fr}}
.step{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;position:relative}
.step .n{font:600 12px var(--mono);color:var(--a1);margin-bottom:18px;display:block}
.step p{color:var(--muted);margin:0}
.step .t{position:absolute;top:26px;right:26px;font:600 12px var(--mono);color:var(--ink-2);background:var(--paper);border:1px solid var(--line);padding:3px 8px;border-radius:6px}

.ai{background:var(--bg);color:#fff;position:relative;overflow:hidden}
.ai .grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media(max-width:960px){.ai .grid{grid-template-columns:1fr}}
.ai .head p{color:#9FB0DA}
.feat{display:grid;gap:14px}
.feat div{display:grid;grid-template-columns:40px 1fr;gap:14px;padding:16px;border:1px solid var(--line-d);border-radius:14px;background:rgba(255,255,255,.02)}
.feat i{width:40px;height:40px;border-radius:10px;background:rgba(227,190,110,.12);display:grid;place-items:center;font-style:normal;color:var(--a2);font:600 15px var(--mono)}
.feat b{display:block;font-family:var(--display)}
.feat span{color:#9FB0DA;font-size:14.5px}
.console{background:#050913;border:1px solid var(--line-d);border-radius:18px;padding:22px;font:13px/1.8 var(--mono);color:#B8C3E6;box-shadow:0 40px 80px -40px rgba(31,95,209,.35)}
.console .bar{display:flex;gap:6px;margin-bottom:14px}.console .bar i{width:10px;height:10px;border-radius:50%;background:#1E2A4A}
.console .k{color:#6E7DA8}.console .g{color:#34D399}.console .c{color:#22D3EE}.console .y{color:#FBBF24}

.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media(max-width:960px){.cards{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.cards{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;transition:border-color .15s,transform .15s}
.card:hover{border-color:#E3C987;transform:translateY(-2px)}
.card .ic{width:42px;height:42px;border-radius:11px;background:#FBF4E4;color:#9A7426;display:grid;place-items:center;font:700 16px var(--mono);margin-bottom:16px}
.card p{color:var(--muted);font-size:14.5px;margin:0}
.card .rng{margin-top:14px;font:600 12px var(--mono);color:var(--ink-2)}

.inds{display:flex;flex-wrap:wrap;gap:10px}
.inds span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 16px;font-size:14.5px;color:var(--ink-2)}

.faq{max-width:820px}
.faq details{border-bottom:1px solid var(--line);padding:18px 0}
.faq summary{cursor:pointer;font:700 17px var(--display);list-style:none;display:flex;justify-content:space-between}
.faq summary:after{content:"+";color:var(--a1);font-weight:400}
.faq details[open] summary:after{content:"–"}
.faq p{color:var(--muted);margin:10px 0 0}

.cta{background:var(--bg);color:#fff;border-radius:24px;padding:56px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;position:relative;overflow:hidden}
.cta:before{content:"";position:absolute;inset:auto -10% -60% auto;width:520px;height:520px;background:radial-gradient(closest-side,rgba(201,162,74,.22),transparent 70%)}
.cta>*{position:relative}
.cta p{color:#9FB0DA;margin:0}

footer{background:var(--bg);color:#6E7DA8;font-size:13px;padding:48px 0}
footer .row{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;margin-bottom:28px}
footer a{color:#9FB0DA;text-decoration:none;margin-right:18px}
footer .disc{border-top:1px solid var(--line-d);padding-top:20px;line-height:1.6;max-width:980px}

/* ---------- APPLY FLOW ---------- */
.apply{min-height:100vh;display:grid;grid-template-columns:380px 1fr;background:var(--paper)}
@media(max-width:960px){.apply{grid-template-columns:1fr}}
.rail{background:var(--bg);color:#fff;padding:32px 28px;position:sticky;top:0;height:100vh;display:flex;flex-direction:column}
@media(max-width:960px){.rail{position:static;height:auto}}
.rail .logo{margin-bottom:40px}
.rail ol{list-style:none;padding:0;margin:0;display:grid;gap:6px}
.rail li{display:flex;gap:14px;align-items:center;padding:12px 14px;border-radius:12px;color:#7C8BB5;font-size:14.5px}
.rail li .b{width:28px;height:28px;border-radius:50%;border:1px solid var(--line-d);display:grid;place-items:center;font:600 12px var(--mono);flex:none}
.rail li.on{background:rgba(255,255,255,.04);color:#fff}
.rail li.on .b{background:var(--grad);color:#05101F;border:0}
.rail li.done{color:#C9D3F5}.rail li.done .b{background:rgba(16,185,129,.18);color:#34D399;border-color:transparent}
.rail .sec{margin-top:auto;font-size:12.5px;color:#6E7DA8;display:flex;gap:10px;align-items:flex-start;border-top:1px solid var(--line-d);padding-top:18px}
.rail .sec i{font-style:normal;color:var(--a2)}
.main{padding:48px clamp(20px,5vw,72px) 80px;max-width:860px;width:100%}
.prog{height:4px;background:var(--line);border-radius:4px;margin-bottom:36px;overflow:hidden}
.prog i{display:block;height:100%;background:var(--grad);transition:width .35s}
.pane{display:none;animation:in .3s ease}
.pane.on{display:block}
@keyframes in{from{opacity:0;transform:translateY(6px)}}
.pane h2{font-size:32px}
.pane .sub{color:var(--muted);margin:-6px 0 28px}
.fg{display:grid;grid-template-columns:1fr 1fr;gap:16px 18px}
@media(max-width:620px){.fg{grid-template-columns:1fr}}
.f{display:flex;flex-direction:column;gap:6px}
.f.full{grid-column:1/-1}
.f label{font-weight:600;font-size:13.5px;color:var(--ink-2)}
.f input,.f select{font:15.5px var(--sans);padding:13px 14px;border:1px solid #D5DBE8;border-radius:11px;background:#fff;color:var(--ink);transition:border-color .15s,box-shadow .15s}
.f input:focus,.f select:focus{outline:0;border-color:var(--a1);box-shadow:0 0 0 4px rgba(31,95,209,.15)}
.f .hint{font-size:12.5px;color:var(--muted)}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips label{cursor:pointer}
.chips input{position:absolute;opacity:0;pointer-events:none}
.chips span{display:inline-block;padding:10px 15px;border:1px solid #D5DBE8;border-radius:10px;background:#fff;font-size:14.5px;transition:all .15s}
.chips input:checked+span{border-color:var(--a1);background:#EEF3FC;color:#164AA8;font-weight:600}
.nav-btns{display:flex;justify-content:space-between;margin-top:34px;gap:12px}
.btn.back{background:#fff;border:1px solid #D5DBE8;color:var(--ink-2)}

.offer{background:var(--bg);color:#fff;border-radius:22px;padding:34px;position:relative;overflow:hidden}
.offer:before{content:"";position:absolute;right:-120px;top:-120px;width:360px;height:360px;background:radial-gradient(closest-side,rgba(201,162,74,.28),transparent 70%)}
.offer>*{position:relative}
.offer small{font:500 12px var(--mono);letter-spacing:.1em;color:#8FA0D0;text-transform:uppercase}
.offer .amt{font:800 clamp(38px,6vw,56px)/1.05 var(--display);margin:8px 0}
.offer .meta{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:22px}
@media(max-width:620px){.offer .meta{grid-template-columns:1fr}}
.offer .meta div{border:1px solid var(--line-d);border-radius:12px;padding:12px 14px;background:rgba(255,255,255,.03)}
.offer .meta b{display:block;font:700 18px var(--display)}
.offer .meta span{font-size:12.5px;color:#8FA0D0}
.note{font-size:12.5px;color:var(--muted);margin-top:14px}

.drop{border:1.5px dashed #9DB6E6;background:#F6F9FE;border-radius:16px;padding:34px;text-align:center;cursor:pointer;transition:background .15s}
.drop:hover,.drop.over{background:#EAF1FC}
.drop b{display:block;font-family:var(--display);font-size:18px;margin-bottom:4px}
.drop span{color:var(--muted);font-size:14px}
.files{margin-top:14px;display:grid;gap:8px}
.files div{display:flex;justify-content:space-between;align-items:center;background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 14px;font-size:14px}
.files em{font-style:normal;color:var(--ok);font:600 12px var(--mono)}
.months{display:grid;grid-template-columns:repeat(4,1fr);gap:8px;margin-top:12px}
.months span{text-align:center;font:600 12px var(--mono);padding:8px;border-radius:8px;background:#fff;border:1px solid var(--line);color:var(--muted)}
.months span.ok{background:#ECFDF5;border-color:#A7F3D0;color:#047857}

.consent{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;display:grid;gap:12px;font-size:13.5px;color:var(--ink-2)}
.consent label{display:flex;gap:10px;align-items:flex-start;cursor:pointer}
.consent input{margin-top:3px;accent-color:var(--a1)}
.sig{margin-top:18px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px}
.sig canvas{width:100%;height:150px;border:1px dashed #C7CEDF;border-radius:10px;background:#FBFCFE;touch-action:none;display:block}
.sig .row{display:flex;justify-content:space-between;align-items:center;margin-top:8px;font-size:12.5px;color:var(--muted)}
.sig button{background:none;border:0;color:var(--a1);font-weight:600;cursor:pointer}

.done{text-align:center;padding-top:30px}
.done .ok{width:72px;height:72px;border-radius:50%;background:#ECFDF5;color:var(--ok);display:grid;place-items:center;margin:0 auto 20px;font-size:34px}
.done .ref{display:inline-block;font:600 14px var(--mono);background:#fff;border:1px solid var(--line);padding:8px 14px;border-radius:10px;margin:8px 0 24px}
.timeline{display:grid;gap:10px;text-align:left;max-width:520px;margin:0 auto 28px}
.timeline div{display:flex;gap:14px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px}
.timeline b{font:600 12px var(--mono);color:var(--a1);min-width:64px}
.addowner{background:none;border:1px dashed #C7CEDF;border-radius:10px;padding:11px;color:var(--a1);font-weight:600;cursor:pointer;width:100%;margin-top:14px}

/* ---------- REP PERSONALIZATION ---------- */
.repcard{display:flex;gap:14px;align-items:center;padding:14px 16px;border:1px solid var(--line-d);border-radius:14px;background:rgba(255,255,255,.04);color:#fff;max-width:440px;min-width:0}
.repcard>div{min-width:0}
.repcard small{display:block;font:500 11px var(--mono);letter-spacing:.1em;text-transform:uppercase;color:#8FA0D0}
.repcard b{display:block;font:700 17px var(--display);line-height:1.25}
.repcard span{display:block;font-size:13.5px;color:#9FB0DA;overflow-wrap:anywhere}
.repcard a{color:#9FD8EE;text-decoration:none}
.repcard a:hover{text-decoration:underline}
.av{flex:none;border-radius:50%;object-fit:cover;display:grid;place-items:center;background:var(--grad);color:#05101F;font-family:var(--display);font-weight:800}
.hero .repcard{margin-top:28px}
.rail .repcard{margin:0 0 28px;max-width:none}
.repline{margin:6px auto 22px;color:var(--muted);font-size:15px}
.repline b{color:var(--ink)}
.console .ex{float:right;font:600 10.5px var(--mono);color:#6E7DA8;border:1px solid var(--line-d);border-radius:5px;padding:1px 6px;letter-spacing:.08em}
.logo .tm{font-weight:500;opacity:.7;margin-right:4px}
@media(max-width:560px){.hero{padding:56px 0 64px}.hero .trust{gap:18px}.cta{padding:32px 24px}.wrap{padding:0 16px}}

.brandlogo{display:block;height:38px;width:auto}
footer .brandlogo{height:34px}
.rail .brandlogo{height:36px}
.kicker{color:#B8893A}.ai .kicker,.hero .kicker{color:var(--a2)}
.card .ic{font-size:14px}
.stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:18px;background:#fff;overflow:hidden}
.stat-row div{padding:26px 24px;border-right:1px solid var(--line)}
.stat-row div:last-child{border-right:0}
.stat-row b{display:block;font:800 30px var(--display);color:var(--ink);letter-spacing:-.02em}
.stat-row span{color:var(--muted);font-size:14px}
@media(max-width:760px){.stat-row{grid-template-columns:1fr 1fr}.stat-row div:nth-child(2){border-right:0}.stat-row div:nth-child(-n+2){border-bottom:1px solid var(--line)}}
@media(max-width:560px){.brandlogo{height:30px}}
.repcard .av{display:grid;color:#05101F;font-size:16px}
@media(max-width:560px){.nav .wrap{gap:12px}.nav .btn{padding:10px 14px;font-size:13.5px}.nav .brandlogo{height:28px}}
@media(max-width:380px){.nav .brandlogo{height:24px}.nav .btn{padding:9px 11px;font-size:13px}}
.f.bad input,.f.bad select{border-color:#E5484D;box-shadow:0 0 0 4px rgba(229,72,77,.12)}
.f.bad label:after{content:" · required";color:#E5484D;font-weight:500}