/* DebtPro design system (owner palette 2026-10-29): navy/charcoal ground, sky + ice accents, white text. */
:root{--bg:#101422;--navy:#1F3A5F;--navy-2:#0B1630;--card:#222831;--card-2:#272B3B;--line:rgba(255,255,255,.08);--line-2:rgba(255,255,255,.14);
--text:#FFFFFF;--body:#EAF4F4;--muted:#A8B4CC;--sky:#5AA9E6;--ice:#A8DCE7;--ok:#3FB984;--paper:#EAF4F4;--ink:#101422;
--font:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;--r:22px;--r-s:14px;--max:1240px;--gutter:24px;
--shadow:0 30px 70px rgba(0,0,0,.45);--glow:0 0 0 1px rgba(168,220,231,.12),0 20px 60px rgba(90,169,230,.18)}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--bg);color:var(--body);font:400 16px/1.6 var(--font);-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,video,svg{max-width:100%}
img{height:auto}
a{color:var(--sky)}
h1,h2,h3,h4{color:var(--text);margin:0 0 .5em;line-height:1.12;letter-spacing:-.02em;font-weight:800}
h1{font-size:clamp(38px,5.4vw,66px)}
h2{font-size:clamp(30px,3.6vw,46px)}
h3{font-size:clamp(20px,2vw,24px);letter-spacing:-.01em}
h4{font-size:17px;letter-spacing:0}
p{margin:0 0 1em}
.lead{font-size:clamp(17px,1.5vw,20px);color:var(--muted);line-height:1.6;max-width:62ch}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.sec{padding:clamp(64px,8vw,112px) 0;position:relative}
.sec-tight{padding:clamp(44px,5vw,72px) 0}
.eb{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--ice);margin:0 0 16px}
.eb::before{content:"";width:22px;height:2px;background:linear-gradient(90deg,var(--sky),var(--ice));border-radius:2px}
.grad{background:linear-gradient(90deg,var(--sky),var(--ice));-webkit-background-clip:text;background-clip:text;color:transparent}
.center{text-align:center}
.center .lead,.center .eb{margin-left:auto;margin-right:auto}
.center .eb{justify-content:center}
.sec-head{max-width:760px;margin:0 auto 48px}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:50px;padding:0 24px;border-radius:14px;font-weight:800;font-size:15px;text-decoration:none;border:1px solid transparent;cursor:pointer;transition:transform .15s,background .15s,border-color .15s,box-shadow .15s;white-space:nowrap;font-family:var(--font)}
.btn svg{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.btn-sky{background:var(--sky);color:var(--ink);box-shadow:0 10px 26px rgba(90,169,230,.32)}
.btn-sky:hover{background:#79bcef;transform:translateY(-1px)}
.btn-ghost{background:rgba(255,255,255,.04);color:#fff;border-color:var(--line-2)}
.btn-ghost:hover{background:rgba(255,255,255,.09);border-color:rgba(255,255,255,.3)}
.btn-ink{background:var(--ink);color:#fff}
.btn-ink:hover{background:#1F3A5F}
.btn-lg{min-height:56px;padding:0 30px;font-size:16px}
.btn:focus-visible,a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--ice);outline-offset:3px}
.btns{display:flex;flex-wrap:wrap;gap:12px}
/* cards + grids */
.grid{display:grid;gap:18px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:linear-gradient(180deg,rgba(255,255,255,.05),rgba(255,255,255,.025));border:1px solid var(--line);border-radius:var(--r);padding:28px;position:relative;overflow:hidden;transition:transform .25s,border-color .25s,box-shadow .25s}
.card:hover{transform:translateY(-3px);border-color:rgba(168,220,231,.35);box-shadow:var(--glow)}
.card h3{margin-top:14px}
.card p{color:var(--muted);font-size:15px;margin:0}
.card .ic{width:48px;height:48px;border-radius:14px;background:rgba(90,169,230,.14);border:1px solid rgba(168,220,231,.25);color:var(--ice);display:flex;align-items:center;justify-content:center}
.card .ic svg{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.card .more{display:inline-flex;align-items:center;gap:6px;margin-top:18px;font-weight:800;color:var(--ice);text-decoration:none;font-size:14.5px}
.card .more:hover{text-decoration:underline}
.card-tag{position:absolute;top:18px;right:18px;font-size:10.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--ink);background:var(--ice);border-radius:999px;padding:5px 10px}
.card-link{display:block;color:inherit;text-decoration:none}
/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.stat{background:rgba(255,255,255,.04);border:1px solid var(--line);border-radius:18px;padding:22px 22px 18px;position:relative;overflow:hidden}
.stat::before{content:"";position:absolute;left:0;top:0;bottom:0;width:3px;background:linear-gradient(180deg,var(--sky),var(--ice))}
.stat b{display:block;font-size:clamp(30px,3.4vw,42px);font-weight:800;letter-spacing:-.03em;color:#fff;line-height:1;font-variant-numeric:tabular-nums}
.stat span{display:block;margin-top:8px;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);font-weight:700}
/* light sections */
.light{background:var(--paper);color:var(--ink)}
.light h1,.light h2,.light h3,.light h4{color:var(--ink)}
.light .lead,.light p{color:#3b4458}
.light .eb{color:#1F3A5F}
.light .card{background:#fff;border-color:rgba(16,20,34,.08);box-shadow:0 10px 30px rgba(16,20,34,.06)}
.light .card p{color:#4b5563}
.light .card .ic{background:rgba(90,169,230,.14);color:#1F3A5F;border-color:rgba(31,58,95,.15)}
.light .card:hover{border-color:rgba(90,169,230,.6);box-shadow:0 24px 50px rgba(31,58,95,.14)}
.light .stat{background:#fff;border-color:rgba(16,20,34,.08)}
.light .stat b{color:var(--ink)}
.light .stat span{color:#4b5563}
.light .btn-ghost{color:var(--ink);border-color:rgba(16,20,34,.2);background:#fff}
.light .btn-ghost:hover{background:#f3f7f8}
/* navy band */
.band{background:radial-gradient(90% 70% at 85% 0%,rgba(90,169,230,.22) 0%,rgba(90,169,230,0) 60%),linear-gradient(180deg,#0B1630 0%,#1F3A5F 100%)}
/* steps */
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;counter-reset:s}
.step{position:relative;padding:26px 22px 22px;border-radius:18px;background:rgba(255,255,255,.04);border:1px solid var(--line)}
.step i{display:flex;width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,var(--sky),var(--ice));color:var(--ink);font-style:normal;font-weight:800;align-items:center;justify-content:center;font-size:15px;margin-bottom:16px}
.step h4{margin-bottom:6px}
.step p{font-size:14.5px;color:var(--muted);margin:0}
.light .step{background:#fff;border-color:rgba(16,20,34,.08)}
.light .step p{color:#4b5563}
.steps-4{grid-template-columns:repeat(4,1fr)}.steps-3{grid-template-columns:repeat(3,1fr)}
/* list with ticks */
.ticks{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.ticks li{display:flex;gap:12px;align-items:flex-start;color:var(--body);font-size:15.5px}
.ticks li::before{content:"";flex:0 0 22px;height:22px;border-radius:50%;background:rgba(63,185,132,.16);border:1px solid rgba(63,185,132,.5);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%233FB984' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E");background-size:12px;background-position:center;background-repeat:no-repeat;margin-top:1px}
.light .ticks li{color:#1f2937}
/* split */
.split{display:grid;grid-template-columns:1.05fr 1fr;gap:clamp(28px,5vw,72px);align-items:center}
.split.rev>:first-child{order:2}
.pic{position:relative;border-radius:var(--r);overflow:hidden;border:1px solid var(--line-2);background:var(--card);box-shadow:var(--shadow)}
.pic img{display:block;width:100%;height:100%;object-fit:cover}
.pic.zoom{cursor:zoom-in}
.pic::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(16,20,34,0) 60%,rgba(16,20,34,.55) 100%);pointer-events:none}
.pic .cap{position:absolute;left:18px;bottom:16px;z-index:2;font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--ice)}
/* tiles (dashboard-style, from the reference shots) */
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.tile{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:18px}
.tile small{display:block;font-size:12px;color:var(--muted);font-weight:700;letter-spacing:.04em}
.tile b{display:block;font-size:26px;letter-spacing:-.02em;color:#fff;margin-top:6px;font-variant-numeric:tabular-nums}
.tile em{display:inline-block;font-style:normal;font-size:12px;color:var(--ok);font-weight:700;margin-top:6px}
.bar{height:8px;border-radius:999px;background:rgba(255,255,255,.08);overflow:hidden;margin-top:10px}
.bar i{display:block;height:100%;width:var(--w,50%);background:linear-gradient(90deg,var(--sky),var(--ice));border-radius:999px;transform-origin:left;transform:scaleX(0);transition:transform 1.2s cubic-bezier(.2,.7,.2,1)}
.in .bar i{transform:scaleX(1)}
.ring{--p:72;width:120px;height:120px;border-radius:50%;background:conic-gradient(var(--sky) calc(var(--p)*1%),rgba(255,255,255,.08) 0);display:grid;place-items:center;position:relative}
.ring::before{content:"";position:absolute;inset:10px;border-radius:50%;background:var(--card)}
.ring b{position:relative;font-size:24px;color:#fff}
/* quotes */
.quote{background:rgba(255,255,255,.04);border:1px solid var(--line);border-radius:var(--r);padding:28px;display:flex;flex-direction:column;gap:18px}
.quote p{font-size:16px;line-height:1.65;color:var(--body);margin:0;flex:1}
.quote p::before{content:"\201C";color:var(--ice);font-size:34px;line-height:0;vertical-align:-10px;margin-right:4px}
.who{display:flex;align-items:center;gap:12px}
.who i{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--sky),var(--ice));color:var(--ink);font-style:normal;font-weight:800;display:grid;place-items:center;font-size:14px}
.who b{display:block;color:#fff;font-size:15px}
.who small{color:var(--muted);font-size:13px}
/* faq */
.faq details{border-top:1px solid var(--line-2);padding:0}
.faq details:last-child{border-bottom:1px solid var(--line-2)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 0;font-weight:700;font-size:17px;color:#fff}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";flex:0 0 32px;height:32px;border-radius:50%;border:1px solid var(--line-2);background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23A8DCE7' stroke-width='2.2' stroke-linecap='round'%3E%3Cpath d='M12 6v12M6 12h12'/%3E%3C/svg%3E") center/14px no-repeat;transition:transform .25s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq .a{padding:0 0 22px;color:var(--muted);font-size:15.5px;line-height:1.7;max-width:80ch}
.faq .a a{color:var(--ice)}
.faq h2.cat{margin:48px 0 8px;font-size:24px}
.faq h2.cat:first-child{margin-top:0}
.faq h2.cat small{font-size:13px;color:var(--muted);font-weight:700;margin-left:10px;letter-spacing:.04em}
/* table */
.tbl{width:100%;border-collapse:collapse;font-size:14.5px}
.tbl th,.tbl td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--line)}
.tbl th{position:sticky;top:76px;background:var(--navy-2);color:var(--ice);font-size:12px;letter-spacing:.1em;text-transform:uppercase;z-index:1}
.tbl tr:hover td{background:rgba(255,255,255,.03)}
.tbl .y{color:var(--ok);font-weight:700}.tbl .n{color:var(--muted)}
.tbl-wrap{overflow:auto;border:1px solid var(--line);border-radius:18px;max-height:70vh}
/* forms */
.form{display:grid;gap:14px}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form label{display:block;font-size:13px;font-weight:700;color:var(--ice);margin-bottom:6px;letter-spacing:.02em}
.form input,.form select,.form textarea{width:100%;min-height:50px;padding:12px 14px;border-radius:12px;border:1px solid var(--line-2);background:rgba(255,255,255,.05);color:#fff;font:inherit;font-size:15px}
.form textarea{min-height:140px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--sky);box-shadow:0 0 0 3px rgba(90,169,230,.25)}
.form select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='%23A8DCE7' stroke-width='1.8'%3E%3Cpath d='M4 6l4 4 4-4'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:14px}
.form select option{color:#111}
.form .hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}
.form .note{font-size:12.5px;color:var(--muted);margin:0}
.form .ok{display:none;padding:18px 20px;border-radius:14px;background:rgba(63,185,132,.12);border:1px solid rgba(63,185,132,.4);color:#fff}
.form.sent .ok{display:block}.form.sent .fields{display:none}
.form .err{display:none;padding:12px 16px;border-radius:12px;background:rgba(255,99,99,.12);border:1px solid rgba(255,99,99,.4);color:#fff;font-size:14px}
.form.error .err{display:block}
.contact-card{background:rgba(255,255,255,.04);border:1px solid var(--line);border-radius:var(--r);padding:32px}
.contact-list{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:14px}
.contact-list li{display:flex;gap:14px;align-items:flex-start}
.contact-list .ic{flex:0 0 42px;height:42px;border-radius:12px;background:rgba(90,169,230,.14);border:1px solid rgba(168,220,231,.25);color:var(--ice);display:grid;place-items:center}
.contact-list .ic svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.contact-list b{display:block;color:#fff;font-size:15px}
.contact-list a{color:var(--body);text-decoration:none;font-size:15.5px}
.contact-list a:hover{color:var(--ice)}
/* hero */
.hero{position:relative;overflow:hidden;min-height:min(86vh,860px);display:flex;align-items:center;padding:clamp(56px,8vw,110px) 0 clamp(48px,6vw,90px);isolation:isolate}
.hero-bg{position:absolute;inset:0;z-index:-1;overflow:hidden}
.hero-bg img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 40%;opacity:1;transform:scale(1.02)}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(16,20,34,.55) 0%,rgba(16,20,34,.35) 45%,rgba(16,20,34,.92) 100%),linear-gradient(90deg,rgba(16,20,34,.75) 0%,rgba(16,20,34,.15) 60%)}
.hero-bg .sweep{position:absolute;left:-30%;top:0;bottom:0;width:30%;background:linear-gradient(90deg,rgba(168,220,231,0),rgba(168,220,231,.08),rgba(168,220,231,0));transform:skewX(-14deg)}
@media (prefers-reduced-motion:no-preference){.hero-bg img{animation:dpdrift 55s ease-in-out infinite alternate}.hero-bg .sweep{animation:dpsweep 14s ease-in-out infinite}}
@keyframes dpdrift{from{transform:scale(1.02) translate3d(0,0,0)}to{transform:scale(1.09) translate3d(-1.5%,-1%,0)}}
@keyframes dpsweep{0%,55%{left:-35%;opacity:0}60%{opacity:1}100%{left:135%;opacity:0}}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(28px,5vw,64px);align-items:center}
.hero .lead{color:#dbe6f1}
.hero h1{margin-bottom:18px}
.badge{display:inline-flex;align-items:center;gap:8px;padding:8px 14px;border-radius:999px;background:rgba(168,220,231,.12);border:1px solid rgba(168,220,231,.35);color:var(--ice);font-size:12.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;margin-bottom:22px}
.badge::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--ice);box-shadow:0 0 12px var(--ice)}
.hero-stats{display:flex;flex-wrap:wrap;gap:12px 28px;margin-top:34px}
.hero-stats div{display:flex;flex-direction:column}
.hero-stats b{font-size:26px;color:#fff;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.hero-stats span{font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);font-weight:700}
.page-hero{padding:clamp(56px,7vw,96px) 0 clamp(40px,5vw,64px);position:relative;overflow:hidden}
.page-hero .lead{margin-top:6px}
.crumbs{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:0 0 22px;padding:0;font-size:13px;color:var(--muted)}
.crumbs a{color:var(--muted);text-decoration:none}.crumbs a:hover{color:var(--ice)}
.crumbs li+li::before{content:"/";margin-right:8px;color:rgba(255,255,255,.3)}
/* video player card */
.player{position:relative;border-radius:var(--r);overflow:hidden;background:#000;border:1px solid var(--line-2);box-shadow:var(--shadow);aspect-ratio:16/9;max-width:min(100%,calc((100vh - 220px) * 16 / 9),calc((100svh - 220px) * 16 / 9));margin:0 auto}
.player video{display:block;width:100%;height:100%;object-fit:cover;background:#000}
.player .play{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;background:linear-gradient(180deg,rgba(16,20,34,0),rgba(16,20,34,.35));border:0;cursor:pointer;padding:0}
.player .play i{width:84px;height:84px;border-radius:50%;background:var(--sky);display:grid;place-items:center;box-shadow:0 0 0 10px rgba(90,169,230,.25),0 20px 50px rgba(0,0,0,.5);transition:transform .2s}
.player .play i::after{content:"";margin-left:6px;border-style:solid;border-width:14px 0 14px 24px;border-color:transparent transparent transparent var(--ink)}
.player .play:hover i{transform:scale(1.06)}
@media (prefers-reduced-motion:no-preference){.player .play i{animation:dppulse 2.4s ease-in-out infinite}}
@keyframes dppulse{0%,100%{box-shadow:0 0 0 10px rgba(90,169,230,.25),0 20px 50px rgba(0,0,0,.5)}50%{box-shadow:0 0 0 18px rgba(90,169,230,.12),0 20px 50px rgba(0,0,0,.5)}}
.player.on .play{display:none}
.player .dur{position:absolute;right:14px;bottom:14px;background:rgba(16,20,34,.8);border:1px solid var(--line-2);color:#fff;font-size:12px;font-weight:700;padding:4px 10px;border-radius:999px;pointer-events:none}
.player.on .dur{display:none}
.player.pending video{pointer-events:none}.player .soon{position:absolute;left:50%;bottom:16px;transform:translateX(-50%);background:rgba(16,20,34,.85);border:1px solid var(--line-2);color:var(--ice);font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:8px 14px;border-radius:999px;white-space:nowrap}
.player-cap{text-align:center;font-size:13.5px;color:var(--muted);margin:12px 0 0}
.player-soon{aspect-ratio:16/9;border-radius:var(--r);border:1px dashed var(--line-2);display:grid;place-items:center;color:var(--muted);font-weight:700;background:rgba(255,255,255,.03)}
/* bureaus */
.bureau{display:flex;flex-direction:column;gap:12px}
.bureau .logo-b{height:44px;display:flex;align-items:center;font-weight:800;font-size:20px;color:#fff;letter-spacing:-.01em}
.bureau .logo-b span{color:var(--ice)}
.bureau small{color:var(--ice);font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:11.5px}
/* marquee-free logo strip */
.strip{display:flex;flex-wrap:wrap;gap:10px 14px;justify-content:center}
.strip span{padding:9px 16px;border-radius:999px;border:1px solid var(--line-2);color:var(--body);font-weight:700;font-size:13.5px;background:rgba(255,255,255,.03)}
/* reveal */
.rv{opacity:0;transform:translateY(18px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}
.rv-d1{transition-delay:.08s}.rv-d2{transition-delay:.16s}.rv-d3{transition-delay:.24s}.rv-d4{transition-delay:.32s}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}.hero-bg img,.hero-bg .sweep,.player .play i{animation:none!important}.bar i{transform:none;transition:none}}
html:not(.js) .rv{opacity:1;transform:none}
/* lightbox */
.lb{position:fixed;inset:0;z-index:3000;background:rgba(5,8,18,.94);display:none;align-items:center;justify-content:center;padding:24px}
.lb.open{display:flex}
.lb img{max-width:min(96vw,1600px);max-height:88vh;border-radius:12px;box-shadow:var(--shadow);transition:transform .2s;cursor:zoom-in;touch-action:none}
.lb.zoomed img{cursor:grab}
.lb button{position:absolute;background:rgba(255,255,255,.08);border:1px solid var(--line-2);color:#fff;width:48px;height:48px;border-radius:50%;cursor:pointer;display:grid;place-items:center;font-size:22px}
.lb .x{top:18px;right:18px}.lb .p{left:14px;top:50%;transform:translateY(-50%)}.lb .n{right:14px;top:50%;transform:translateY(-50%)}
.lb .c{position:absolute;bottom:18px;left:50%;transform:translateX(-50%);color:var(--muted);font-size:13px;font-weight:700}
.lb button:hover{background:rgba(255,255,255,.18)}
/* footer */
.foot{border-top:1px solid var(--line);padding:56px 0 32px;background:#0B1020}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:32px}
.foot h4{color:#fff;font-size:13px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px}
.foot ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.foot a{color:var(--muted);text-decoration:none;font-size:14.5px}
.foot a:hover{color:var(--ice)}
.foot .brand img{width:190px;height:auto;display:block}
.foot .brand p{color:var(--muted);font-size:14px;margin:14px 0 0;max-width:34ch}
.foot .bar2{margin-top:40px;padding-top:20px;border-top:1px solid var(--line);display:flex;flex-wrap:wrap;gap:10px 24px;justify-content:space-between;color:var(--muted);font-size:13px}
.foot .fine{font-size:12.5px;color:#7f8ba3;max-width:70ch}
/* CTA band */
.cta{border-radius:28px;padding:clamp(36px,5vw,64px);background:radial-gradient(80% 120% at 100% 0%,rgba(168,220,231,.25),rgba(168,220,231,0) 60%),linear-gradient(135deg,#1F3A5F,#0B1630);border:1px solid rgba(168,220,231,.25);display:grid;grid-template-columns:1.2fr auto;gap:28px;align-items:center}
.cta h2{margin-bottom:8px}.cta p{color:#dbe6f1;margin:0}
/* responsive */
@media (max-width:1100px){.steps{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(2,1fr)}.tiles{grid-template-columns:repeat(2,1fr)}.foot-grid{grid-template-columns:1fr 1fr}.tbl th{top:68px}}
@media (max-width:900px){.g3{grid-template-columns:1fr 1fr}.split,.hero-grid{grid-template-columns:1fr}.split.rev>:first-child{order:0}.stats{grid-template-columns:1fr 1fr}.cta{grid-template-columns:1fr}.hero{min-height:0}}
@media (max-width:640px){:root{--gutter:16px}.g2,.g3,.g4,.steps,.steps-4,.steps-3{grid-template-columns:1fr}.form .row{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr}.tiles{grid-template-columns:1fr 1fr}.btn{width:100%}.btns .btn{width:auto;flex:1 1 auto}.hero-stats{gap:14px 20px}.card{padding:22px}.tbl th{top:0;position:static}}
/* ===== nav: port of 508ministry n5 header/mega menu/mobile menu, DebtPro palette ===== */
.n5-nav{position:sticky;top:0;z-index:1000;background:rgba(16,20,34,.82);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--line);font-family:var(--font);transition:background .2s,box-shadow .2s}
.n5-nav.scrolled{background:rgba(16,20,34,.94);box-shadow:0 10px 30px rgba(0,0,0,.35)}
.n5-nav *{box-sizing:border-box}
.n5-nav-bar{max-width:1360px;margin:0 auto;padding:0 24px;height:76px;display:flex;align-items:center;gap:14px}
.n5-brand{flex:0 0 auto;display:flex}
.n5-brand img{display:block;width:176px;height:auto}
.n5-nav nav.n5-main{align-self:stretch;position:static;flex:1 1 auto;min-width:0;margin-left:10px}
.n5-list-top{list-style:none;margin:0;padding:0;display:flex;align-items:stretch;gap:2px;height:100%}
.n5-item{position:static;display:flex;align-items:center}
.n5-trig,.n5-link{display:inline-flex;align-items:center;gap:6px;height:44px;padding:0 12px;border:0;background:none;border-radius:10px;font:600 14.5px/1 var(--font);color:#e6edf6;cursor:pointer;text-decoration:none;white-space:nowrap;transition:background .15s,color .15s}
.n5-trig:hover,.n5-link:hover,.n5-trig[aria-expanded=true]{background:rgba(168,220,231,.1);color:#fff}
.n5-trig svg{width:14px;height:14px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s}
.n5-trig[aria-expanded=true] svg{transform:rotate(180deg)}
.n5-panel{position:absolute;left:0;right:0;top:100%;padding:10px 24px 0;opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .18s,transform .18s,visibility 0s .18s;pointer-events:none}
.n5-panel.open{opacity:1;visibility:visible;transform:none;transition:opacity .18s,transform .18s;pointer-events:auto}
.n5-panel-in{max-width:1180px;margin:0 auto;background:#161B2C;border-radius:22px;border:1px solid var(--line-2);box-shadow:0 30px 70px rgba(0,0,0,.55);padding:10px;display:grid;grid-template-columns:270px 1fr 300px;gap:10px}
.n5-intro{background:linear-gradient(160deg,#1F3A5F,#0B1630);border-radius:16px;padding:26px 26px 22px;display:flex;flex-direction:column;border:1px solid rgba(168,220,231,.14)}
.n5-eb{display:inline-block;align-self:flex-start;font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--ink);background:var(--ice);border-radius:999px;padding:5px 11px;margin:0 0 16px}
.n5-pt{font-size:22px;line-height:1.25;font-weight:800;letter-spacing:-.01em;color:#fff;margin:0 0 10px}
.n5-px{font-size:14.5px;line-height:1.6;color:#c7d3e6;margin:0 0 18px;flex:1}
.n5-tl{font-size:14.5px;font-weight:700;color:var(--ice);text-decoration:none}
.n5-tl:hover{text-decoration:underline}
.n5-links{list-style:none;margin:0;padding:8px 6px;display:grid;grid-template-columns:1fr 1fr;gap:2px 8px;align-content:start}
.n5-links a{display:flex;gap:12px;align-items:flex-start;padding:12px;border-radius:12px;text-decoration:none;color:inherit;transition:background .15s}
.n5-links a:hover{background:rgba(255,255,255,.06)}
.n5-ic{flex:0 0 38px;height:38px;border-radius:10px;background:rgba(90,169,230,.14);border:1px solid rgba(168,220,231,.2);color:var(--ice);display:flex;align-items:center;justify-content:center}
.n5-ic svg{width:19px;height:19px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.n5-links strong{display:block;font-size:14.5px;font-weight:700;color:#fff;line-height:1.3}
.n5-links small{display:block;font-size:12.5px;line-height:1.45;color:var(--muted);margin-top:2px}
.n5-feat{position:relative;display:flex;flex-direction:column;justify-content:flex-end;border-radius:16px;overflow:hidden;background:#0B1630;text-decoration:none;min-height:260px}
.n5-feat img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.8}
.n5-feat::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(11,22,48,0) 20%,rgba(11,22,48,.95) 100%)}
.n5-fc{position:relative;z-index:2;padding:20px;display:flex;flex-direction:column;gap:8px;align-items:flex-start}
.n5-chip{background:var(--sky);color:var(--ink);font-size:10.5px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;border-radius:999px;padding:4px 10px}
.n5-ft{color:#fff;font-size:17px;line-height:1.3;font-weight:700}
.n5-fg{color:var(--ice);font-size:14px;font-weight:700}
.n5-util{flex:0 0 auto;display:flex;align-items:center;gap:14px;margin-left:auto}
.n5-phone{display:inline-flex;align-items:center;gap:9px;text-decoration:none;color:#fff;font-weight:700;font-size:14.5px;white-space:nowrap}
.n5-phone-ic{width:34px;height:34px;border-radius:50%;background:rgba(168,220,231,.12);border:1px solid rgba(168,220,231,.3);display:flex;align-items:center;justify-content:center;color:var(--ice)}
.n5-phone-ic svg,.n5-m-call svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.n5-login{font-weight:700;font-size:14.5px;color:#fff;text-decoration:none;padding:10px 6px;white-space:nowrap}
.n5-login:hover{color:var(--ice)}
.n5-cta-btn{display:inline-flex;align-items:center;min-height:46px;padding:0 22px;border-radius:12px;background:var(--sky);color:var(--ink);font-weight:800;font-size:14.5px;text-decoration:none;white-space:nowrap;box-shadow:0 6px 16px rgba(90,169,230,.35);transition:transform .15s,background .15s}
.n5-cta-btn:hover{background:#79bcef;transform:translateY(-1px)}
.n5-burger{display:none;margin-left:auto;width:48px;height:48px;border:0;background:none;border-radius:12px;cursor:pointer;padding:0;position:relative}
.n5-burger span{position:absolute;left:12px;right:12px;height:2px;background:#fff;border-radius:2px}
.n5-burger span:nth-child(1){top:16px}.n5-burger span:nth-child(2){top:23px}.n5-burger span:nth-child(3){top:30px}
.n5-trig:focus-visible,.n5-link:focus-visible,.n5-cta-btn:focus-visible,.n5-phone:focus-visible,.n5-login:focus-visible,.n5-links a:focus-visible,.n5-feat:focus-visible,.n5-tl:focus-visible,.n5-burger:focus-visible{outline:3px solid var(--ice);outline-offset:2px}
@media (max-width:1380px){.n5-login{display:none}}
@media (max-width:1280px){.n5-phone-t{display:none}}
@media (max-width:1180px){.n5-nav nav.n5-main,.n5-util{display:none}.n5-burger{display:block}.n5-nav-bar{height:68px;padding:0 14px 0 18px}.n5-brand img{width:150px}}
/* mobile menu */
.n5-m{position:fixed;inset:0;z-index:2000;background:radial-gradient(120% 80% at 100% 100%,#1F3A5F 0%,rgba(31,58,95,0) 55%),#101422;color:#fff;display:flex;flex-direction:column;opacity:0;visibility:hidden;transform:translateY(14px);transition:opacity .32s ease,transform .32s ease,visibility 0s .32s;font-family:var(--font);overscroll-behavior:contain}
.n5-m *{box-sizing:border-box}
.n5-m.open{opacity:1;visibility:visible;transform:none;transition:opacity .32s ease,transform .32s ease}
.n5-m-top{flex:0 0 auto;display:flex;justify-content:space-between;align-items:center;padding:14px 16px 14px 18px}
.n5-m-brand img{display:block;width:150px;height:auto}
.n5-m-close{position:relative;width:48px;height:48px;border-radius:12px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.08);cursor:pointer;padding:0}
.n5-m-close i{position:absolute;left:14px;right:14px;top:23px;height:2px;background:#fff;border-radius:2px;transition:transform .3s .1s}
.n5-m-close i:nth-child(1){transform:rotate(45deg)}.n5-m-close i:nth-child(2){transform:rotate(-45deg)}
.n5-m:not(.open) .n5-m-close i:nth-child(1),.n5-m:not(.open) .n5-m-close i:nth-child(2){transform:rotate(0)}
.n5-m-close:focus-visible,.n5-m a:focus-visible,.n5-m button:focus-visible{outline:3px solid var(--ice);outline-offset:2px}
.n5-m-body{flex:1 1 auto;overflow-y:auto;-webkit-overflow-scrolling:touch;padding:6px 18px 34px}
.n5-m-list,.n5-m-sub{list-style:none;margin:0;padding:0}
.n5-m-list>li{border-top:1px solid rgba(255,255,255,.14);opacity:0;transform:translateY(10px);transition:opacity .4s ease,transform .4s ease}
.n5-m-list>li:last-child{border-bottom:1px solid rgba(255,255,255,.14)}
.n5-m.open .n5-m-list>li{opacity:1;transform:none}
.n5-m.open .n5-m-list>li:nth-child(1){transition-delay:.08s}.n5-m.open .n5-m-list>li:nth-child(2){transition-delay:.13s}.n5-m.open .n5-m-list>li:nth-child(3){transition-delay:.18s}.n5-m.open .n5-m-list>li:nth-child(4){transition-delay:.23s}.n5-m.open .n5-m-list>li:nth-child(5){transition-delay:.28s}
.n5-m-row{display:flex;align-items:center;gap:14px;width:100%;min-height:62px;padding:8px 0;background:none;border:0;color:#fff;text-decoration:none;text-align:left;font:800 24px/1.15 var(--font);letter-spacing:-.02em;cursor:pointer}
.n5-m-row em{font-style:normal;font-size:11px;font-weight:800;letter-spacing:.1em;color:var(--ice);flex:0 0 22px}
.n5-m-row span{flex:1}
.n5-m-row b,.n5-m-arrow{flex:0 0 38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,.28);position:relative}
.n5-m-row b::before,.n5-m-row b::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;background:#fff;border-radius:2px;transform:translate(-50%,-50%);transition:transform .25s}
.n5-m-row b::after{transform:translate(-50%,-50%) rotate(90deg)}
.n5-m-row[aria-expanded=true] b::after{transform:translate(-50%,-50%) rotate(0)}
.n5-m-row[aria-expanded=true]{color:var(--ice)}
.n5-m-row b.n5-m-arrow::before{width:10px;height:10px;background:none;border-top:2px solid #fff;border-right:2px solid #fff;border-radius:0;transform:translate(-65%,-35%) rotate(45deg) scale(.9);left:50%}
.n5-m-row b.n5-m-arrow::after{display:none}
.n5-m-sub{display:block;max-height:0;overflow:hidden;transition:max-height .35s ease}
.n5-m-grp.open .n5-m-sub{max-height:560px;padding-bottom:12px}
.n5-m-sub a{display:flex;align-items:center;min-height:46px;padding:0 0 0 36px;color:#dbe3ef;text-decoration:none;font-size:17px;font-weight:600;border-left:2px solid rgba(168,220,231,.45);margin-left:11px}
.n5-m-sub a:active,.n5-m-sub a:hover{color:var(--ice)}
.n5-m-cta{display:flex;align-items:center;justify-content:center;min-height:58px;margin-top:26px;border-radius:999px;background:var(--sky);color:var(--ink);font-weight:800;font-size:17px;text-decoration:none}
.n5-m-call{display:flex;align-items:center;justify-content:center;gap:10px;min-height:54px;margin-top:12px;border-radius:999px;border:1.5px solid rgba(255,255,255,.5);color:#fff;font-weight:700;font-size:16px;text-decoration:none}
.n5-m-tiles{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:12px}
.n5-m-tiles a{display:block;padding:14px 16px;border-radius:16px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);color:#fff;text-decoration:none;font-weight:800;font-size:16px;text-transform:uppercase}
.n5-m-tiles small{display:block;font-size:10.5px;letter-spacing:.12em;color:var(--ice);margin-bottom:3px}
.n5-m-card{display:flex;align-items:center;gap:14px;margin-top:12px;padding:14px 16px;border-radius:16px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);color:#fff;text-decoration:none}
.n5-m-dot{flex:0 0 42px;height:42px;border-radius:50%;background:var(--sky);color:var(--ink);display:flex;align-items:center;justify-content:center}
.n5-m-dot svg{width:20px;height:20px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.n5-m-card strong{display:block;font-size:16px}
.n5-m-card small{display:block;font-size:13px;color:#cbd5e1;margin-top:2px}
body.n5-lock{overflow:hidden}
@media (prefers-reduced-motion:reduce){.n5-m,.n5-m *,.n5-panel,.n5-panel *{transition:none!important}.n5-m-list>li{opacity:1;transform:none}}