/*
Theme Name: Vertex Capital
Theme URI: https://vertexcapital.com
Author: Vertex Capital
Description: Marketing site for Vertex Capital — merchant funding, broker/ISO programme, technology, and the MCA calculator. Eight pages at real URLs, a lead webhook, and FAQ + organisation structured data for search and AI answer engines.
Version: 1.0.0
Requires at least: 6.0
Tested up to: 6.7
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html
Text Domain: vertex-capital
Tags: business, one-column, custom-menu, custom-logo, editor-style, block-styles
*/

/* ---------- base reset (the standalone build got these from its host page) ---------- */
*,*::before,*::after{ box-sizing:border-box; }
html{ -webkit-text-size-adjust:100%; }
body{ margin:0; }
img{ max-width:100%; height:auto; }
[hidden]{ display:none !important; }

/* ---------- WordPress plumbing ---------- */
.screen-reader-text{
  position:absolute; width:1px; height:1px; padding:0; margin:-1px;
  overflow:hidden; clip:rect(0,0,0,0); white-space:nowrap; border:0;
}
.skip-link:focus{
  position:fixed; top:0.5rem; left:0.5rem; z-index:999; width:auto; height:auto;
  clip:auto; margin:0; padding:0.6rem 1rem; background:var(--accent);
  color:var(--accent-ink); border-radius:var(--radius); font-weight:600;
}
.admin-bar header.site{ top:32px; }
@media (max-width:782px){ .admin-bar header.site{ top:46px; } }
.alignwide{ max-width:min(1180px, 100%); margin-inline:auto; }
.alignfull{ max-width:none; }
.article img, .prose img{ border-radius:var(--radius); }
.pager{ margin-top:2rem; }
.pager .nav-links{ display:flex; gap:0.5rem; flex-wrap:wrap; }
.pager a, .pager .current{
  display:inline-block; padding:0.4rem 0.8rem; border:1px solid var(--border);
  border-radius:var(--radius); text-decoration:none; color:var(--text);
}
.pager .current{ background:var(--accent); color:var(--accent-ink); border-color:transparent; }
.card h3 a{ color:inherit; text-decoration:none; }
.card h3 a:hover{ color:var(--accent); }
.card .meta{ color:var(--text-dim); font-size:0.8rem; margin:0.2rem 0 0.6rem; }

/* ---------- Tokens — lifted from the Capital Express mark: jet black, two-tone electric blue, white ---------- */
  :root{
    --bg:#F6F8FB;
    --bg-elevated:#FFFFFF;
    --bg-sunken:#EDF1F6;
    --border:#DDE3EB;
    --border-soft:#E7ECF2;
    --text:#0A0C10;
    --text-muted:#4B5563;
    --text-dim:#8A93A3;

    --blue-deep:#0F7CCE;
    --blue-bright:#16AAE8;
    --accent:#0F7CCE;
    --accent-ink:#FFFFFF;
    --accent-2:#0A5F9E;
    --accent-2-soft:rgba(14,111,168,0.08);
    --accent-2-border:rgba(14,111,168,0.28);

    --font-display:'Poppins', 'Arial Black', sans-serif;
    --font-body:'Public Sans', -apple-system, 'Segoe UI', sans-serif;
    --font-mono:'IBM Plex Mono', 'SFMono-Regular', Menlo, Consolas, monospace;

    --maxw:1180px;
    --radius:6px;
  }

  @media (prefers-color-scheme:dark){
    :root:not([data-theme="light"]){
      --bg:#0A0C10;
      --bg-elevated:#15181E;
      --bg-sunken:#1B1F26;
      --border:#262B33;
      --border-soft:#20242B;
      --text:#F3F5F8;
      --text-muted:#A7AFBC;
      --text-dim:#697182;

      --blue-deep:#16AAE8;
      --blue-bright:#5BC8F5;
      --accent:#16AAE8;
      --accent-ink:#06141C;
      --accent-2:#3FC1F0;
      --accent-2-soft:rgba(69,198,245,0.12);
      --accent-2-border:rgba(69,198,245,0.32);
    }
  }
  :root[data-theme="dark"]{
    --bg:#0A0C10;
    --bg-elevated:#15181E;
    --bg-sunken:#1B1F26;
    --border:#262B33;
    --border-soft:#20242B;
    --text:#F3F5F8;
    --text-muted:#A7AFBC;
    --text-dim:#697182;

    --blue-deep:#16AAE8;
    --blue-bright:#5BC8F5;
    --accent:#16AAE8;
    --accent-ink:#06141C;
    --accent-2:#3FC1F0;
    --accent-2-soft:rgba(69,198,245,0.12);
    --accent-2-border:rgba(69,198,245,0.32);
  }

  *,*::before,*::after{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  @media (prefers-reduced-motion:reduce){ html{scroll-behavior:auto;} }

  body{
    margin:0;
    background:var(--bg);
    color:var(--text);
    font-family:var(--font-body);
    font-size:17px;
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
  }

  h1,h2,h3,h4{
    font-family:var(--font-display);
    font-weight:800;
    letter-spacing:-0.01em;
    text-wrap:balance;
    margin:0;
    color:var(--text);
  }
  h1:focus{ outline:none; }

  a{ color:inherit; }
  .prose{ max-width:62ch; }
  .prose p + p{ margin-top:1em; }
  p{ margin:0; color:var(--text-muted); }
  strong{ color:var(--text); font-weight:700; }

  .eyebrow{
    font-family:var(--font-mono);
    font-size:0.72rem;
    letter-spacing:0.16em;
    text-transform:uppercase;
    color:var(--accent-2);
    font-weight:600;
    display:flex;
    align-items:center;
    gap:0.6em;
  }
  .eyebrow::before{
    content:"";
    width:22px; height:2px;
    background:linear-gradient(90deg, var(--blue-deep), var(--blue-bright));
    display:inline-block;
    border-radius:2px;
  }

  .wrap{ max-width:var(--maxw); margin:0 auto; padding:0 clamp(20px,4vw,48px); }
  section{ position:relative; }

  /* ---------- Page entrance ----------
     WordPress puts .page on <body>, so this is scoped to the content: a transform
     on <body> would break the sticky header. */
  main > section:first-of-type{ animation:pagein 0.24s ease both; }
  @keyframes pagein{ from{ opacity:0; transform:translateY(6px); } to{ opacity:1; transform:none; } }
  @media (prefers-reduced-motion:reduce){ main > section:first-of-type{ animation:none; } }

  /* ---------- Buttons ---------- */
  .btn{
    display:inline-flex;
    align-items:center;
    gap:0.5em;
    font-family:var(--font-body);
    font-size:0.92rem;
    font-weight:700;
    text-decoration:none;
    padding:0.9em 1.6em;
    border-radius:var(--radius);
    border:1.5px solid transparent;
    cursor:pointer;
    transition:transform 0.15s ease, box-shadow 0.15s ease, border-color 0.15s ease, color 0.15s ease;
    white-space:nowrap;
  }
  .btn:active{ transform:translateY(1px); }
  .btn-primary{
    background:linear-gradient(135deg, var(--blue-deep), var(--blue-bright));
    color:var(--accent-ink);
    box-shadow:0 6px 18px -6px rgba(15,124,206,0.55);
  }
  .btn-primary:hover{ box-shadow:0 8px 22px -6px rgba(15,124,206,0.75); }
  .btn-ghost{ background:transparent; color:var(--text); border-color:var(--border); }
  .btn-ghost:hover{ border-color:var(--accent); color:var(--accent-2); }
  .btn-light{ background:#fff; color:#0A0C10; }
  .btn-light:hover{ background:#E8F4FC; }
  .btn-block{ width:100%; justify-content:center; }

  /* ---------- Header / nav ---------- */
  header.site{
    position:sticky; top:0; z-index:40;
    background:var(--bg);
    background:color-mix(in srgb, var(--bg) 90%, transparent);
    backdrop-filter:blur(10px) saturate(1.1);
    border-bottom:1px solid var(--border-soft);
  }
  .nav-row{ display:flex; align-items:center; justify-content:space-between; height:76px; }
  .brand{ display:flex; align-items:center; gap:0.5em; text-decoration:none; }
  .brand svg.mark{ height:40px; width:auto; display:block; flex:none; }
  .brand svg.word{ height:23px; width:auto; display:block; flex:none; color:var(--text); fill:currentColor; }
  .brand svg.tag{ height:6.8px; width:auto; display:block; margin-top:4px; fill:var(--blue-bright); }
  .foot-lockup{ display:flex; flex-direction:column; align-items:flex-start; }
  .foot-lockup svg.word{ height:26px; }
  @media (max-width:520px){
    .brand svg.mark{ height:32px; }
    .brand svg.word{ height:17px; }
    .brand svg.tag{ display:none; }
  }

  nav.links{ display:flex; align-items:center; gap:1.9rem; }
  nav.links a{
    font-family:var(--font-body);
    font-size:0.86rem;
    font-weight:600;
    text-decoration:none;
    color:var(--text-muted);
    transition:color 0.15s ease;
    position:relative;
    padding:0.2em 0;
  }
  nav.links a:hover{ color:var(--accent-2); }
  nav.links a[aria-current="page"]{ color:var(--text); }
  nav.links a[aria-current="page"]::after{
    content:""; position:absolute; left:0; right:0; bottom:-4px; height:2px; border-radius:2px;
    background:linear-gradient(90deg, var(--blue-deep), var(--blue-bright));
  }
  .nav-cta{ display:flex; align-items:center; gap:1.4rem; }

  #nav-toggle{ display:none; }
  .burger{ display:none; }

  @media (max-width:980px){
    nav.links{
      position:absolute; top:76px; left:0; right:0;
      flex-direction:column; align-items:flex-start; gap:0;
      background:var(--bg-elevated);
      border-bottom:1px solid var(--border-soft);
      max-height:0; overflow:hidden;
      transition:max-height 0.25s ease;
    }
    nav.links a{ padding:1rem clamp(20px,4vw,48px); width:100%; border-top:1px solid var(--border-soft); }
    nav.links a[aria-current="page"]::after{ display:none; }
    nav.links a[aria-current="page"]{ color:var(--accent-2); }
    #nav-toggle:checked ~ nav.links{ max-height:460px; }
    .burger{ display:flex; flex-direction:column; gap:5px; width:26px; cursor:pointer; padding:6px; }
    .burger span{ height:2px; background:var(--text); display:block; }
    .nav-cta .btn-primary{ padding:0.7em 1.1em; font-size:0.8rem; }
  }

  /* ---------- Home hero ---------- */
  .hero{ padding:clamp(48px,8vw,92px) 0 clamp(40px,6vw,64px); overflow:hidden; }
  .hero-grid{ display:grid; grid-template-columns:1.05fr 0.95fr; gap:clamp(28px,5vw,60px); align-items:center; }
  .hero h1{ font-size:clamp(2.4rem,4.8vw,3.9rem); line-height:1.03; margin-top:0.5em; }
  .hero h1 em{ font-style:normal; background:linear-gradient(100deg, var(--blue-deep), var(--blue-bright)); -webkit-background-clip:text; background-clip:text; color:transparent; }
  .hero-sub{ margin-top:1.4rem; font-size:1.12rem; max-width:46ch; color:var(--text-muted); }
  .hero-actions{ display:flex; gap:1rem; margin-top:2.2rem; flex-wrap:wrap; }

  .hero-panel{
    background:#0A0C10;
    border:1px solid rgba(255,255,255,0.08);
    border-radius:18px;
    padding:clamp(20px,3vw,32px);
    box-shadow:0 30px 60px -30px rgba(15,124,206,0.45);
  }
  .hero-panel svg{ width:100%; height:auto; display:block; }
  .panel-title{
    font-family:var(--font-mono); font-size:0.66rem; letter-spacing:0.18em; text-transform:uppercase;
    color:#7A8290; margin:0 0 1rem; display:flex; align-items:center; gap:0.55em;
  }
  .panel-title::before{ content:""; width:6px; height:6px; border-radius:50%; background:#16AAE8; flex:none; }
  .vx-base{ stroke:#2A313C; stroke-width:1; }
  .vx-drop{ stroke:#20262F; stroke-width:1; stroke-dasharray:3 5; }
  .vx-area{ fill:url(#areaFill); opacity:0; animation:fadein 0.9s ease 0.7s forwards; }
  @keyframes fadein{ to{ opacity:1; } }
  .vx-line{
    fill:none; stroke:url(#boltGradient); stroke-width:2.5;
    stroke-dasharray:560; stroke-dashoffset:560;
    animation:draw 1.5s cubic-bezier(.3,.7,.3,1) forwards;
  }
  @keyframes draw{ to{ stroke-dashoffset:0; } }
  .vx-node{ fill:#15181E; stroke:#3A4250; stroke-width:1.4; }
  .vx-apex{ fill:#16AAE8; animation:pulse 2.6s ease-in-out infinite; transform-origin:center; }
  .vx-label{ font-family:var(--font-mono); font-size:11px; letter-spacing:0.06em; fill:#8A93A3; text-transform:uppercase; }
  .vx-label.apex{ fill:#5BC8F5; font-weight:600; }
  .vx-label.dim{ fill:#5A6270; font-size:10px; letter-spacing:0.1em; }
  @keyframes pulse{ 0%,100%{ opacity:1; } 50%{ opacity:0.5; } }
  @media (prefers-reduced-motion:reduce){
    .vx-line{ stroke-dashoffset:0; animation:none; }
    .vx-apex{ animation:none; }
    .vx-area{ opacity:1; animation:none; }
  }
  @media (max-width:980px){
    .hero-grid{ grid-template-columns:1fr; }
    .hero-panel{ order:-1; max-width:460px; margin:0 auto; }
  }

  /* ---------- Interior page banner ---------- */
  .page-head{
    background:var(--bg-elevated);
    border-bottom:1px solid var(--border-soft);
    padding:clamp(44px,6vw,80px) 0 clamp(32px,4vw,48px);
  }
  .page-head h1{ font-size:clamp(2rem,4vw,3.1rem); line-height:1.06; margin-top:0.5em; }
  .page-head .lede{ margin-top:1.2rem; font-size:1.1rem; max-width:56ch; }
  .page-head .hero-actions{ margin-top:1.8rem; }

  /* ---------- Stat strip ---------- */
  .stats{ border-top:1px solid var(--border-soft); border-bottom:1px solid var(--border-soft); background:var(--bg-sunken); }
  .stat-row{ display:grid; grid-template-columns:repeat(4,1fr); gap:1px; background:var(--border-soft); }
  .stat{ background:var(--bg-sunken); padding:clamp(22px,4vw,36px) clamp(18px,3vw,28px); }
  .stat b{
    display:block; font-family:var(--font-mono); font-variant-numeric:tabular-nums;
    font-size:clamp(1.5rem,3vw,2.1rem); color:var(--accent-2); font-weight:600;
  }
  .stat span{ display:block; margin-top:0.35em; font-size:0.82rem; color:var(--text-muted); max-width:22ch; }
  @media (max-width:760px){ .stat-row{ grid-template-columns:repeat(2,1fr); } }

  /* ---------- Section rhythm ---------- */
  .section{ padding:clamp(56px,8vw,104px) 0; }
  .section-head{ max-width:52ch; margin-bottom:clamp(32px,4vw,52px); }
  .section-head h2{ font-size:clamp(1.7rem,3.2vw,2.4rem); margin-top:0.45em; }
  .alt{ background:var(--bg-sunken); }

  /* ---------- Cards ---------- */
  .card-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:1px; background:var(--border-soft); border:1px solid var(--border-soft); }
  .card-grid.two{ grid-template-columns:repeat(2,1fr); }
  .card{ background:var(--bg-elevated); padding:clamp(22px,3vw,30px); }
  .card .num{ font-family:var(--font-mono); color:var(--accent-2); font-size:0.78rem; letter-spacing:0.08em; font-weight:600; }
  .card h3{ font-size:1.1rem; margin-top:0.6em; font-weight:700; }
  .card p{ margin-top:0.6em; font-size:0.95rem; }
  .card svg{ width:28px; height:28px; }
  @media (max-width:920px){ .card-grid, .card-grid.two{ grid-template-columns:1fr 1fr; } }
  @media (max-width:560px){ .card-grid, .card-grid.two{ grid-template-columns:1fr; } }

  /* ---------- Path cards ---------- */
  .path-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:clamp(16px,2.4vw,24px); }
  .path-card{
    border:1px solid var(--border); border-radius:var(--radius);
    padding:clamp(26px,3vw,34px); display:flex; flex-direction:column; gap:1rem;
    text-decoration:none; transition:border-color 0.15s ease, transform 0.15s ease, box-shadow .15s ease;
    background:var(--bg-elevated);
  }
  .path-card:hover{ border-color:var(--accent); transform:translateY(-3px); box-shadow:0 16px 32px -20px rgba(15,124,206,0.5); }
  .path-card svg{ width:32px; height:32px; }
  .path-card h3{ font-size:1.4rem; }
  .path-card p{ font-size:0.95rem; }
  .path-card .go{ margin-top:auto; font-family:var(--font-mono); font-size:0.76rem; letter-spacing:0.04em; font-weight:600; color:var(--accent-2); }
  @media (max-width:860px){ .path-grid{ grid-template-columns:1fr; } }

  /* ---------- Two-column detail ---------- */
  .detail{ display:grid; grid-template-columns:0.92fr 1.08fr; gap:clamp(30px,5vw,68px); align-items:start; }
  @media (max-width:920px){ .detail{ grid-template-columns:1fr; } }

  .steps{ list-style:none; margin:1.6rem 0 0; padding:0; counter-reset:step; display:flex; flex-direction:column; gap:1.1rem; }
  .steps li{ counter-increment:step; display:flex; gap:1rem; align-items:flex-start; }
  .steps li::before{
    content:counter(step); font-family:var(--font-mono); font-size:0.78rem; color:var(--accent-ink);
    background:linear-gradient(135deg, var(--blue-deep), var(--blue-bright));
    width:1.7em; height:1.7em; flex:none; border-radius:50%;
    display:flex; align-items:center; justify-content:center; font-weight:700;
  }
  .steps li div p{ color:var(--text-muted); font-size:0.95rem; }
  .steps li div strong{ display:block; margin-bottom:0.2em; font-family:var(--font-display); font-size:0.98rem; font-weight:700; }

  .fact-grid{ display:grid; grid-template-columns:1fr 1fr; gap:1px; background:var(--border-soft); border:1px solid var(--border-soft); margin-top:1.8rem; }
  .fact{ background:var(--bg-elevated); padding:1.1rem 1.3rem; }
  .fact dt{ font-family:var(--font-mono); font-size:0.72rem; letter-spacing:0.06em; text-transform:uppercase; color:var(--accent-2); }
  .fact dd{ margin:0.3em 0 0; font-family:var(--font-display); font-size:1.05rem; font-weight:700; color:var(--text); }

  .note-box{ margin-top:1.8rem; border:1px solid var(--accent-2-border); background:var(--accent-2-soft); border-radius:var(--radius); padding:1.2rem 1.4rem; font-size:0.9rem; }
  .note-box .eyebrow{ margin-bottom:0.5em; }
  .note-box p{ color:var(--text-muted); }

  .list-plain{ list-style:none; margin:1.4rem 0 0; padding:0; display:flex; flex-direction:column; gap:0.8rem; }
  .list-plain li{ display:flex; gap:0.7em; font-size:0.96rem; color:var(--text-muted); }
  .list-plain li::before{ content:"—"; color:var(--accent-2); flex:none; }

  /* ---------- Legal documents (Terms, Privacy) ---------- */
  .legal{ max-width:74ch; margin:0 auto; }
  .legal .updated{ font-family:var(--font-mono); font-size:0.78rem; letter-spacing:0.04em; color:var(--text-dim); margin-bottom:2.2rem; }
  .legal .lede-note{ font-size:0.98rem; color:var(--text-muted); margin-bottom:2.4rem; padding-bottom:2rem; border-bottom:1px solid var(--border-soft); }
  .legal h2{ font-size:1.3rem; margin-top:2.6rem; padding-top:0; scroll-margin-top:96px; }
  .legal h2:first-of-type{ margin-top:0; }
  .legal h2 .num{ color:var(--accent-2); margin-right:0.5em; }
  .legal h3{ font-size:1.02rem; margin-top:1.6rem; }
  .legal p{ margin-top:0.9rem; font-size:0.97rem; }
  .legal p:first-of-type{ margin-top:0; }
  .legal ul, .legal ol{ margin:0.9rem 0 0; padding-left:1.3em; color:var(--text-muted); font-size:0.97rem; }
  .legal li{ margin-top:0.5rem; }
  .legal li::marker{ color:var(--accent-2); }
  .legal a{ color:var(--accent-2); text-decoration:underline; text-underline-offset:0.15em; }
  .legal .toc{ margin:0 0 2.4rem; padding:1.2rem 1.4rem; border:1px solid var(--border-soft); border-radius:var(--radius); background:var(--bg-elevated); }
  .legal .toc p{ margin:0 0 0.7rem; font-family:var(--font-mono); font-size:0.72rem; letter-spacing:0.1em; text-transform:uppercase; color:var(--accent-2); }
  .legal .toc ol{ columns:2; column-gap:2rem; margin:0; font-size:0.88rem; }
  .legal .toc li{ margin-top:0.35rem; break-inside:avoid; }
  @media (max-width:640px){ .legal .toc ol{ columns:1; } }

  /* ---------- Testimonials ---------- */
  .quote-grid{ display:grid; grid-template-columns:1fr 1fr; gap:clamp(16px,3vw,28px); }
  blockquote{ margin:0; border-left:3px solid; border-image:linear-gradient(var(--blue-deep), var(--blue-bright)) 1; padding:0.2em 0 0.2em 1.4em; }
  blockquote p{ font-style:italic; font-size:1.06rem; color:var(--text); }
  blockquote cite{ display:block; margin-top:0.9em; font-family:var(--font-mono); font-style:normal; font-size:0.78rem; letter-spacing:0.04em; color:var(--text-dim); text-transform:uppercase; }
  @media (max-width:760px){ .quote-grid{ grid-template-columns:1fr; } }

  /* ---------- CTA band ---------- */
  .cta-band{
    background:linear-gradient(135deg,#0A0C10 0%, #16202B 100%);
    border:1px solid rgba(255,255,255,0.08);
    border-radius:16px;
    padding:clamp(28px,4vw,44px);
    display:flex; align-items:center; justify-content:space-between; gap:1.6rem; flex-wrap:wrap;
    box-shadow:0 24px 50px -32px rgba(15,124,206,0.5);
  }
  .cta-band h2{ color:#fff; font-size:clamp(1.4rem,2.6vw,2rem); max-width:24ch; }
  .cta-band p{ color:#A7AFBC; margin-top:0.5em; max-width:44ch; font-size:0.95rem; }

  /* ---------- FAQ ---------- */
  .faq-list{ display:flex; flex-direction:column; border-top:1px solid var(--border); max-width:80ch; }
  details{ border-bottom:1px solid var(--border); }
  summary{
    cursor:pointer; list-style:none; display:flex; align-items:center; justify-content:space-between; gap:1rem;
    padding:1.3rem 0.2rem; font-family:var(--font-display); font-weight:700; font-size:1.05rem; color:var(--text);
  }
  summary::-webkit-details-marker{ display:none; }
  summary .plus{ font-family:var(--font-mono); color:var(--accent-2); flex:none; transition:transform 0.2s ease; font-size:1.2rem; }
  details[open] summary .plus{ transform:rotate(45deg); }
  details p{ padding:0 0.2rem 1.5rem; max-width:66ch; font-size:0.97rem; }
  summary:focus-visible{ outline:2px solid var(--accent); outline-offset:3px; }

  /* ---------- Apply ---------- */
  .apply-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:1px; background:var(--border-soft); border:1px solid var(--border-soft); }
  .apply-card{ background:var(--bg-elevated); padding:1.8rem; display:flex; flex-direction:column; gap:0.8rem; }
  .apply-card .eyebrow{ margin-bottom:0.2em; }
  .apply-card strong{ font-family:var(--font-mono); font-size:1rem; letter-spacing:0.01em; }
  @media (max-width:860px){ .apply-grid{ grid-template-columns:1fr; } }

  /* ---------- Footer ---------- */
  footer{ border-top:1px solid var(--border-soft); padding:clamp(40px,5vw,56px) 0 clamp(24px,4vw,32px); background:var(--bg-sunken); }
  .foot-row{ display:flex; justify-content:space-between; gap:2rem; flex-wrap:wrap; }
  .foot-links{ display:flex; gap:1.5rem; flex-wrap:wrap; }
  .foot-links a{ font-size:0.86rem; font-weight:600; color:var(--text-muted); text-decoration:none; }
  .foot-links a:hover{ color:var(--accent-2); }
  .fine{ margin-top:2rem; padding-top:1.6rem; border-top:1px solid var(--border-soft); font-size:0.8rem; color:var(--text-dim); display:flex; justify-content:space-between; gap:1.5rem; flex-wrap:wrap; }
  .fine .prose{ max-width:72ch; }


  /* ---------- Forms ---------- */
  .form-tabs{ display:flex; gap:0; border:1px solid var(--border); border-radius:var(--radius); overflow:hidden; max-width:460px; margin-bottom:2rem; }
  .form-tabs button{
    flex:1; padding:0.9em 1rem; font-family:var(--font-body); font-size:0.9rem; font-weight:700;
    background:var(--bg-elevated); color:var(--text-muted); border:0; cursor:pointer; transition:background .15s ease, color .15s ease;
  }
  .form-tabs button[aria-selected="true"]{ background:linear-gradient(135deg, var(--blue-deep), var(--blue-bright)); color:var(--accent-ink); }
  .form-grid{ display:grid; grid-template-columns:1fr 1fr; gap:1.1rem 1.3rem; }
  .form-grid .full{ grid-column:1 / -1; }
  @media (max-width:700px){ .form-grid{ grid-template-columns:1fr; } }
  .field{ display:flex; flex-direction:column; gap:0.4rem; }
  .field label{ font-size:0.82rem; font-weight:700; color:var(--text); }
  .field label .opt{ font-weight:400; color:var(--text-dim); }
  .field input, .field select, .field textarea{
    font-family:var(--font-body); font-size:0.95rem; color:var(--text);
    background:var(--bg-elevated); border:1.5px solid var(--border); border-radius:var(--radius);
    padding:0.7em 0.8em; width:100%; transition:border-color .15s ease, box-shadow .15s ease;
  }
  .field input:focus, .field select:focus, .field textarea:focus{
    outline:none; border-color:var(--accent); box-shadow:0 0 0 3px var(--accent-2-soft);
  }
  .field .err{ font-size:0.78rem; color:#D7263D; display:none; }
  .field.invalid input, .field.invalid select{ border-color:#D7263D; }
  .field.invalid .err{ display:block; }
  :root:not([data-theme="light"]) .field .err{ color:#FF7A8A; }
  @media (prefers-color-scheme:dark){ :root:not([data-theme="light"]) .field .err{ color:#FF7A8A; } }
  .consent{ display:flex; gap:0.7rem; align-items:flex-start; font-size:0.82rem; color:var(--text-muted); }
  .consent input{ width:18px; height:18px; flex:none; margin-top:2px; accent-color:var(--blue-deep); }
  .form-note{ font-size:0.78rem; color:var(--text-dim); max-width:70ch; }
  .submitted{
    border:1px solid var(--accent-2-border); background:var(--accent-2-soft); border-radius:var(--radius);
    padding:1.4rem 1.5rem; display:none;
  }
  .submitted.show{ display:block; }
  .sent-badge{
    display:inline-block; font-family:var(--font-mono); font-size:0.66rem; letter-spacing:0.14em; text-transform:uppercase;
    background:var(--blue-deep); color:#fff; padding:0.3em 0.6em; border-radius:3px; margin-bottom:0.8rem;
  }

  /* ---------- Calculator ---------- */
  .calc{ display:grid; grid-template-columns:1fr 0.92fr; gap:clamp(24px,4vw,48px); align-items:start; }
  @media (max-width:920px){ .calc{ grid-template-columns:1fr; } }
  .calc-inputs{ display:flex; flex-direction:column; gap:1.1rem; }
  .seg{ display:flex; border:1px solid var(--border); border-radius:var(--radius); overflow:hidden; }
  .seg button{
    flex:1; padding:0.6em; font-family:var(--font-body); font-size:0.85rem; font-weight:700;
    background:var(--bg-elevated); color:var(--text-muted); border:0; cursor:pointer;
  }
  .seg button[aria-selected="true"]{ background:var(--text); color:var(--bg); }
  .calc-panel{
    background:#0A0C10; border:1px solid rgba(255,255,255,0.08); border-radius:16px;
    padding:clamp(22px,3vw,32px); box-shadow:0 26px 54px -30px rgba(15,124,206,0.45);
    position:sticky; top:100px;
  }
  @media (max-width:920px){ .calc-panel{ position:static; } }
  .calc-panel .panel-title{ color:#7A8290; }
  .res{ display:flex; flex-direction:column; gap:0.15rem; padding:0.9rem 0; border-bottom:1px solid #1B2028; }
  .res:last-of-type{ border-bottom:0; }
  .res dt{ font-family:var(--font-mono); font-size:0.68rem; letter-spacing:0.14em; text-transform:uppercase; color:#7A8290; }
  .res dd{ margin:0; font-family:var(--font-mono); font-variant-numeric:tabular-nums; font-size:1.5rem; font-weight:600; color:#F3F5F8; }
  .res.hero-res dd{ font-size:2.1rem; color:#16AAE8; }
  .res .sub{ font-size:0.78rem; color:#7A8290; font-family:var(--font-body); }
  .res.warn dd{ color:#F0B429; }
  .money, .pct{ position:relative; display:block; }
  .money::before{
    content:"$"; position:absolute; left:0.72em; top:50%; transform:translateY(-50%);
    color:var(--text-dim); font-size:0.95rem; pointer-events:none; font-family:var(--font-body);
  }
  .money input{ padding-left:1.75em!important; font-variant-numeric:tabular-nums; }
  .pct::after{
    content:"%"; position:absolute; right:0.8em; top:50%; transform:translateY(-50%);
    color:var(--text-dim); font-size:0.95rem; pointer-events:none;
  }
  .pct input{ padding-right:2em!important; }
  .calc-status{
    font-family:var(--font-mono); font-size:0.74rem; line-height:1.5; color:#F0B429;
    margin:0 0 1rem; padding:0.6rem 0.75rem; border:1px solid rgba(240,180,41,0.28);
    background:rgba(240,180,41,0.08); border-radius:4px;
  }
  .calc-status[hidden]{ display:none!important; }
  .calc-disclosure{ margin-top:1.2rem; font-size:0.74rem; color:#5A6270; line-height:1.5; }
  .calc-table{ width:100%; border-collapse:collapse; font-size:0.9rem; margin-top:1rem; }
  .calc-table th, .calc-table td{ text-align:left; padding:0.6rem 0.8rem; border-bottom:1px solid var(--border-soft); }
  .calc-table th{ font-family:var(--font-mono); font-size:0.72rem; letter-spacing:0.06em; text-transform:uppercase; color:var(--accent-2); }
  .calc-table td{ font-variant-numeric:tabular-nums; color:var(--text-muted); }
  .table-wrap{ overflow-x:auto; }

  ::selection{ background:var(--blue-bright); color:#04121B; }