/* liquorstoresfinancing.com: clean navy + money green, built for readability and conversion */
:root {
  --navy-950: #071428;
  --navy-900: #0a1a33;
  --navy-800: #10264a;
  --navy-700: #173563;
  --blue: #2563eb;
  --text: #1b2533;
  --muted: #5a6779;
  --line: #e2e7ef;
  --soft: #f5f7fb;
  --soft-2: #eef2f8;
  --white: #fff;
  --green: #0fa15a;
  --green-600: #0b8a4b;
  --green-50: #e9f8f0;
  --gold: #f5b031;
  --gold-50: #fff7e6;
  --red: #c2412d;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow-sm: 0 1px 2px rgba(10,26,51,.06);
  --shadow: 0 2px 6px rgba(10,26,51,.05), 0 12px 32px rgba(10,26,51,.08);
  --shadow-lg: 0 24px 60px rgba(7,20,40,.28);
  --head: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --max: 1200px;
}
*,*::before,*::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 96px; }
body { margin: 0; font-family: var(--body); font-size: 17px; line-height: 1.7; color: var(--text); background: var(--white); -webkit-font-smoothing: antialiased; overflow-x: clip; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: #1d4ed8; }
h1,h2,h3,h4 { font-family: var(--head); color: var(--navy-900); line-height: 1.18; font-weight: 800; letter-spacing: -.022em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); margin: .15em 0 .4em; }
h2 { font-size: clamp(1.55rem, 2.8vw, 2.15rem); margin: 1.9em 0 .55em; }
h3 { font-size: 1.2rem; font-weight: 700; margin: 1.5em 0 .45em; letter-spacing: -.01em; }
p { margin: 0 0 1.05em; }
strong, b { font-weight: 600; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 6px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--navy-900); color: #fff; padding: 8px 14px; z-index: 100; border-radius: 8px; }
.skip-link:focus { left: 8px; }
.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 820px; }
.muted { color: var(--muted); }
.small { font-size: .86rem; }
.center { text-align: center; }
.hidden-field { display: none; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .45em; font: 700 1rem/1 var(--head); padding: .95em 1.4em; border-radius: 10px; border: 2px solid transparent; text-decoration: none; cursor: pointer; transition: background .15s, transform .15s, box-shadow .15s, border-color .15s; white-space: nowrap; letter-spacing: -.005em; }
.btn:hover { transform: translateY(-1px); }
.btn-cta { background: var(--green); color: #fff; box-shadow: 0 6px 18px rgba(15,161,90,.32); }
.btn-cta:hover { background: var(--green-600); color: #fff; }
.btn-ghost { background: #fff; color: var(--navy-900); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--navy-900); color: var(--navy-900); }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.35); }
.btn-outline-light:hover { border-color: #fff; color: #fff; background: rgba(255,255,255,.06); }
.btn-lg { font-size: 1.05rem; padding: 1.05em 1.6em; }
.btn-block { width: 100%; }
.text-link { font-weight: 600; text-decoration: none; }
.text-link:hover { text-decoration: underline; }
.ico-phone { display: inline-block; width: 16px; height: 16px; background: currentColor; -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.6 10.8a15.1 15.1 0 0 0 6.6 6.6l2.2-2.2a1 1 0 0 1 1-.25 11.4 11.4 0 0 0 3.6.57 1 1 0 0 1 1 1V20a1 1 0 0 1-1 1A17 17 0 0 1 3 4a1 1 0 0 1 1-1h3.5a1 1 0 0 1 1 1c0 1.25.2 2.45.57 3.57a1 1 0 0 1-.25 1z'/%3E%3C/svg%3E") center/contain no-repeat; mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6.6 10.8a15.1 15.1 0 0 0 6.6 6.6l2.2-2.2a1 1 0 0 1 1-.25 11.4 11.4 0 0 0 3.6.57 1 1 0 0 1 1 1V20a1 1 0 0 1-1 1A17 17 0 0 1 3 4a1 1 0 0 1 1-1h3.5a1 1 0 0 1 1 1c0 1.25.2 2.45.57 3.57a1 1 0 0 1-.25 1z'/%3E%3C/svg%3E") center/contain no-repeat; }

/* Top bar + header */
.topbar { background: var(--navy-950); color: #b9c4d6; font-size: .82rem; }
.topbar-inner { display: flex; justify-content: space-between; gap: 16px; padding-top: 8px; padding-bottom: 8px; }
.topbar strong { color: #fff; }
.topbar a { color: #fff; font-weight: 600; text-decoration: none; }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: saturate(1.5) blur(10px); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 74px; gap: 20px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy-900); }
.brand-text { white-space: nowrap; font-family: var(--head); font-weight: 600; font-size: 1.04rem; line-height: 1.05; display: flex; flex-direction: column; letter-spacing: -.01em; }
.brand-text b { font-weight: 800; color: var(--green); font-size: 1.12rem; }
.brand-light { color: #fff; }
.site-nav { display: flex; align-items: center; gap: 18px; }
.nav-list { display: flex; gap: 2px; list-style: none; margin: 0; padding: 0; }
.nav-list > li { position: relative; }
.nav-list > li > a { display: block; white-space: nowrap; padding: 10px 10px; color: var(--navy-900); text-decoration: none; font-weight: 600; font-size: .94rem; border-radius: 8px; font-family: var(--head); }
.nav-list > li > a:hover { background: var(--soft); }
.menu-trigger::after { content: ""; display: inline-block; width: 6px; height: 6px; margin-left: 8px; border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: translateY(-3px) rotate(45deg); opacity: .5; }
.menu { position: absolute; top: calc(100% + 6px); left: 0; min-width: 300px; list-style: none; margin: 0; padding: 10px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); opacity: 0; visibility: hidden; transform: translateY(6px); transition: .15s; }
.menu-2col { display: grid; grid-template-columns: 1fr 1fr; min-width: 520px; }
.menu-2col .menu-all { grid-column: 1 / -1; }
.has-menu:hover .menu, .has-menu:focus-within .menu { opacity: 1; visibility: visible; transform: none; }
.menu a { display: block; padding: 8px 12px; color: var(--text); text-decoration: none; border-radius: 8px; font-size: .93rem; }
.menu a:hover { background: var(--soft); color: var(--green-600); }
.menu-all { border-top: 1px solid var(--line); margin-top: 6px; padding-top: 6px; }
.menu-all a { font-weight: 700; color: var(--green-600); }
.nav-cta { display: flex; align-items: center; gap: 16px; }
.nav-phone { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--navy-900); text-decoration: none; white-space: nowrap; font-family: var(--head); }
.nav-phone .ico-phone { color: var(--green); }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.nav-toggle .bar { display: block; width: 24px; height: 2px; background: var(--navy-900); margin: 5px 0; transition: .2s; border-radius: 2px; }

@media (max-width: 1240px) {
  .nav-toggle { display: block; }
  .site-nav { position: fixed; inset: 74px 0 0 0; background: #fff; flex-direction: column; align-items: stretch; padding: 12px 20px 120px; overflow-y: auto; transform: translateX(100%); transition: transform .25s; }
  .nav-open .site-nav { transform: none; }
  .nav-open .nav-toggle .bar:nth-child(2) { transform: translateY(7px) rotate(45deg); }
  .nav-open .nav-toggle .bar:nth-child(3) { opacity: 0; }
  .nav-open .nav-toggle .bar:nth-child(4) { transform: translateY(-7px) rotate(-45deg); }
  .nav-list { flex-direction: column; }
  .nav-list > li > a { font-size: 1.1rem; padding: 14px 4px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .menu, .menu-2col { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 4px 0 10px 8px; display: none; min-width: 0; grid-template-columns: 1fr; }
  .has-menu.open .menu { display: grid; }
  .nav-cta { flex-direction: column; align-items: stretch; margin-top: 18px; }
  body.nav-open { overflow: hidden; }
  .topbar-inner > span:first-child { display: none; }
  .topbar-inner { justify-content: center; }
}

/* Eyebrow / lead */
.eyebrow { display: inline-block; font-family: var(--head); text-transform: uppercase; letter-spacing: .1em; font-size: .76rem; font-weight: 800; color: var(--green-600); margin: 0 0 .7em; }
.lead { font-size: 1.15rem; color: var(--muted); max-width: 64ch; }

/* Home hero */
.hero { background: radial-gradient(900px 480px at 88% 0%, rgba(37,99,235,.28), transparent 60%), radial-gradient(700px 400px at 0% 100%, rgba(15,161,90,.16), transparent 60%), var(--navy-900); color: #d6deea; padding: 64px 0 72px; }
.hero h1 { color: #fff; }
.hero h1 em { font-style: normal; color: #4ade80; }
.hero .lead { color: #c3cddc; font-size: 1.16rem; }
.hero .eyebrow { color: #4ade80; }
.hero-home { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
.hero-checks { list-style: none; padding: 0; margin: 26px 0 30px; display: grid; gap: 10px; }
.hero-checks li { display: flex; gap: 12px; align-items: flex-start; color: #e6ecf5; font-weight: 500; }
.hero-checks li::before { content: ""; flex: 0 0 22px; height: 22px; border-radius: 50%; background: var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='white'%3E%3Cpath d='M8 13.6 4.4 10l-1.4 1.4L8 16.4l9-9-1.4-1.4z'/%3E%3C/svg%3E") center/14px no-repeat; margin-top: 2px; }
.hero-person { display: flex; align-items: center; gap: 14px; padding: 14px 16px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); max-width: 520px; }
.hero-person img { width: 54px; height: 54px; border-radius: 50%; object-fit: cover; object-position: top; border: 2px solid rgba(255,255,255,.6); }
.hero-person p { margin: 0; font-size: .92rem; line-height: 1.5; }
.hero-person strong { color: #fff; }
.hero-person a { color: #4ade80; font-weight: 700; text-decoration: none; }
.hero-form-card { background: #fff; color: var(--text); border-radius: 18px; padding: 28px; box-shadow: var(--shadow-lg); }

/* Trust strip */
.trust-strip { background: #fff; border-bottom: 1px solid var(--line); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; }
.trust-grid > div { padding: 26px 20px; text-align: center; border-right: 1px solid var(--line); }
.trust-grid > div:last-child { border-right: 0; }
.trust-grid strong { display: block; font-family: var(--head); font-size: 1.6rem; font-weight: 800; color: var(--navy-900); letter-spacing: -.02em; }
.trust-grid span { color: var(--muted); font-size: .9rem; }

/* Lead form */
.lead-form fieldset { border: 0; padding: 0; margin: 0; min-width: 0; }
.lf-title { font-family: var(--head); font-weight: 800; font-size: 1.4rem; color: var(--navy-900); margin: 0 0 2px; letter-spacing: -.02em; }
.lf-sub { color: var(--muted); font-size: .9rem; margin-bottom: 14px; }
.lf-progress { height: 6px; background: var(--soft-2); border-radius: 99px; overflow: hidden; }
.lf-progress span { display: block; height: 100%; width: 33%; background: var(--green); border-radius: 99px; transition: width .3s; }
.lf-step-label { font-size: .8rem; color: var(--muted); margin: 8px 0 14px; }
.lf-nav { display: flex; gap: 10px; margin-top: 4px; }
.lf-nav .btn-cta { flex: 1; }
.lf-fine { font-size: .78rem; color: var(--muted); margin: 12px 0 0; text-align: center; }
.lf-estimate { background: var(--green-50); border: 1px solid #bfe8d1; border-radius: var(--radius-sm); padding: 14px 16px; margin-bottom: 16px; }
.lf-estimate.warn { background: var(--gold-50); border-color: #f4d79a; }
.lf-estimate p { margin: 0; font-size: .92rem; }
.lf-estimate .est-label { font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; font-weight: 700; color: var(--green-600); }
.lf-estimate.warn .est-label { color: #9a6a06; }
.lf-estimate .est-amount { font-family: var(--head); font-weight: 800; font-size: 1.7rem; color: var(--navy-900); line-height: 1.2; margin: 2px 0 4px; }
.field { margin-bottom: 14px; }
.field label { display: block; font-weight: 600; font-size: .9rem; margin-bottom: 6px; color: var(--navy-900); }
.opt { font-weight: 400; color: var(--muted); }
input, select, textarea { width: 100%; font: inherit; font-size: 1rem; padding: 12px 14px; border: 1.5px solid #d3dae5; border-radius: var(--radius-sm); background: #fff; color: var(--text); min-height: 50px; }
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%235a6779'%3E%3Cpath d='M5.3 7.3a1 1 0 0 1 1.4 0L10 10.6l3.3-3.3a1 1 0 1 1 1.4 1.4l-4 4a1 1 0 0 1-1.4 0l-4-4a1 1 0 0 1 0-1.4z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 18px; padding-right: 38px; text-overflow: ellipsis; max-width: 100%; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--green); box-shadow: 0 0 0 4px rgba(15,161,90,.15); }
.invalid { border-color: var(--red) !important; box-shadow: 0 0 0 4px rgba(194,65,45,.12) !important; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.consent label { font-weight: 400; font-size: .76rem; color: var(--muted); display: block; position: relative; padding-left: 28px; line-height: 1.5; }
.consent input { position: absolute; left: 0; top: 1px; width: 18px; height: 18px; min-height: 0; margin: 0; accent-color: var(--green); }
.hint { font-size: .8rem; color: var(--muted); margin: 6px 0 0; }
.input-prefix { position: relative; }
.input-prefix span { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); }
.input-prefix input { padding-left: 28px; }

/* Mini form (content pages) */
.mini-form { background: #fff; border-radius: 16px; padding: 22px; box-shadow: var(--shadow-lg); display: grid; gap: 10px; }
.mini-title { font-family: var(--head); font-weight: 800; font-size: 1.15rem; color: var(--navy-900); margin: 0 0 4px; }
.mini-fine { font-size: .78rem; color: var(--muted); text-align: center; margin: 2px 0 0; }

/* Page hero (inner pages) */
.page-hero { background: radial-gradient(800px 380px at 90% 0%, rgba(37,99,235,.22), transparent 60%), var(--navy-900); color: #c9d3e1; padding: 36px 0 48px; }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4vw, 2.9rem); }
.page-hero .lead { color: #c3cddc; }
.page-hero .eyebrow { color: #4ade80; }
.page-hero-slim { padding-bottom: 36px; }
.hero-meta { color: #9fb0c7; font-size: .9rem; }
.hero-grid { display: grid; grid-template-columns: 1.55fr 1fr; gap: 48px; align-items: center; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 0; margin: 0 0 16px; font-size: .84rem; color: #9fb0c7; }
.crumbs li + li::before { content: "›"; margin-right: 6px; opacity: .6; }
.crumbs a { color: #9fb0c7; text-decoration: none; }
.crumbs a:hover { color: #fff; }
.crumbs [aria-current] { color: #dbe3ee; }
.byline { display: flex; flex-wrap: wrap; align-items: center; gap: 4px 8px; font-size: .88rem; color: #9fb0c7; margin-top: 14px; }
.byline a { color: #fff; font-weight: 500; }
.byline-sep { opacity: .5; }
.byline-rev { display: inline-flex; align-items: center; gap: 6px; }
.byline-rev img { width: 22px; height: 22px; border-radius: 50%; object-fit: cover; object-position: top; }
.reading-time { font-size: .84rem; color: #9fb0c7; margin: 4px 0 0; }
.kind-page .page-hero, .kind-legal .page-hero { background: var(--soft); color: var(--text); border-bottom: 1px solid var(--line); }
.kind-page .page-hero h1, .kind-legal .page-hero h1 { color: var(--navy-900); }
.kind-page .page-hero .lead { color: var(--muted); }
.kind-page .page-hero .eyebrow { color: var(--green-600); }
.kind-page .crumbs ol, .kind-page .crumbs a, .kind-legal .crumbs ol, .kind-legal .crumbs a { color: var(--muted); }
.kind-page .crumbs [aria-current], .kind-legal .crumbs [aria-current] { color: var(--text); }
.kind-page .crumbs a:hover, .kind-legal .crumbs a:hover { color: var(--green-600); }
.kind-legal .hero-meta { color: var(--muted); }

/* Article layout */
.article-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 56px; padding-top: 44px; padding-bottom: 20px; }
.aside-sticky { position: sticky; top: 96px; display: grid; gap: 18px; }
.toc { background: var(--soft); border-radius: var(--radius); padding: 16px 18px; }
.toc-h { font-family: var(--head); font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; font-weight: 800; color: var(--muted); cursor: pointer; list-style: none; }
.toc-h::-webkit-details-marker { display: none; }
.toc ol { list-style: none; padding: 0; margin: 10px 0 0; }
.toc a { display: block; padding: 5px 0 5px 12px; border-left: 2px solid var(--line); color: var(--muted); text-decoration: none; font-size: .88rem; line-height: 1.4; }
.toc a:hover, .toc a.active { color: var(--green-600); border-left-color: var(--green); }
.prose { max-width: 760px; padding-bottom: 30px; min-width: 0; }
.prose > :first-child { margin-top: 0; }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1.25em; }
.prose li { margin-bottom: .5em; }
.prose h2 { padding-top: .2em; }
.prose.legal h2 { font-size: 1.35rem; }
.prose.legal { padding-top: 32px; padding-bottom: 64px; }
.page-body { padding-top: 40px; padding-bottom: 48px; }
.container.prose:not(.narrow) { max-width: var(--max); }

/* Contact card */
.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; box-shadow: var(--shadow); }
.cc-top { display: flex; gap: 14px; align-items: center; margin-bottom: 12px; }
.cc-top img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; object-position: top; }
.cc-kicker { font-size: .72rem; text-transform: uppercase; letter-spacing: .08em; font-weight: 700; color: var(--green-600); margin: 0; }
.cc-name { font-family: var(--head); font-weight: 800; color: var(--navy-900); font-size: 1.08rem; margin: 0; }
.cc-title { font-size: .82rem; color: var(--muted); margin: 0; line-height: 1.4; }
.cc-creds { list-style: none; padding: 0; margin: 0 0 14px; font-size: .86rem; }
.cc-creds li { padding: 6px 0 6px 22px; border-top: 1px solid var(--line); position: relative; line-height: 1.45; }
.cc-creds li::before { content: "✓"; position: absolute; left: 2px; color: var(--green); font-weight: 800; }
.cc-link { display: block; text-align: center; font-size: .86rem; font-weight: 600; margin-top: 10px; text-decoration: none; }
.contact-card .btn { font-size: .95rem; }

/* Content components */
.arf-box { background: linear-gradient(135deg, var(--green-50), #f1fbf6); border: 1px solid #bfe8d1; border-radius: var(--radius); padding: 22px 24px; margin-bottom: 26px; }
.arf-head { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; margin-bottom: 6px; }
.arf-fit { background: var(--green); color: #fff; font-size: .72rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; padding: 4px 10px; border-radius: 99px; font-family: var(--head); }
.arf-title { font-family: var(--head); font-weight: 800; color: var(--navy-900); font-size: 1.12rem; margin: 0; }
.arf-box .btn { margin-top: 4px; }
.takeaways { background: var(--soft); border-radius: var(--radius); padding: 20px 24px; margin-bottom: 26px; border-left: 4px solid var(--navy-900); }
.takeaways-h { font-family: var(--head); font-weight: 800; color: var(--navy-900); margin-bottom: 8px; }
.takeaways ul { margin: 0; }
.facts-card { border: 1px solid var(--line); border-radius: var(--radius); padding: 18px 22px; margin-bottom: 26px; }
.facts-h { font-family: var(--head); font-size: .76rem; text-transform: uppercase; letter-spacing: .1em; font-weight: 800; color: var(--muted); margin: 0 0 6px; }
.facts-card dl { margin: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); gap: 0 24px; }
.facts-card dl > div { padding: 10px 0; border-bottom: 1px dashed var(--line); font-size: .93rem; }
.facts-card dt { color: var(--muted); font-size: .82rem; }
.facts-card dd { margin: 0; font-weight: 600; color: var(--navy-900); }
.facts-note { font-size: .76rem; color: var(--muted); margin: 10px 0 0; }
.checklist { list-style: none; padding-left: 0 !important; }
.checklist li { position: relative; padding-left: 32px; }
.checklist li::before { content: ""; position: absolute; left: 0; top: .28em; width: 20px; height: 20px; border-radius: 50%; background: var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='white'%3E%3Cpath d='M8 13.6 4.4 10l-1.4 1.4L8 16.4l9-9-1.4-1.4z'/%3E%3C/svg%3E") center/14px no-repeat; }
.numbered-check { counter-reset: n; list-style: none; padding-left: 0 !important; }
.numbered-check li { counter-increment: n; position: relative; padding: 14px 16px 14px 60px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm); margin-bottom: 10px; }
.numbered-check li::before { content: counter(n); position: absolute; left: 16px; top: 14px; width: 30px; height: 30px; border-radius: 50%; background: var(--navy-900); color: #fff; font-weight: 800; display: grid; place-items: center; font-size: .85rem; font-family: var(--head); }
.table-wrap { overflow-x: auto; margin: 1.2em 0 1.6em; border: 1px solid var(--line); border-radius: var(--radius-sm); }
table { width: 100%; border-collapse: collapse; font-size: .94rem; }
caption { caption-side: bottom; text-align: left; font-size: .8rem; color: var(--muted); padding: 10px 14px; }
th, td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
thead th { background: var(--soft); font-weight: 700; color: var(--navy-900); font-size: .85rem; font-family: var(--head); }
tbody tr:last-child td { border-bottom: 0; }
tbody tr:hover td { background: #fafbfd; }
.callout { border-left: 4px solid var(--blue); background: #f3f7ff; border-radius: 0 var(--radius-sm) var(--radius-sm) 0; padding: 16px 20px; margin: 1.6em 0; }
.callout p:last-child { margin-bottom: 0; }
.callout-h { font-family: var(--head); font-weight: 800; color: var(--navy-900); margin-bottom: 4px; }
.callout-tip { border-left-color: var(--green); background: var(--green-50); }
.callout-warn { border-left-color: var(--gold); background: var(--gold-50); }
.example { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 24px; margin: 1.6em 0; box-shadow: var(--shadow-sm); }
.example-h { font-family: var(--head); font-weight: 800; color: var(--navy-900); font-size: .95rem; }
.example-note { font-size: .78rem; color: var(--muted); font-style: italic; margin: 0; }
.proscons { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 1.4em 0; }
.proscons > div { border: 1px solid var(--line); border-radius: var(--radius-sm); padding: 16px 20px; }
.pc-h { font-family: var(--head); font-weight: 800; margin-bottom: 6px; }
.pros { background: #f6fcf9; } .pros .pc-h { color: var(--green-600); }
.cons { background: #fffaf8; } .cons .pc-h { color: var(--red); }
.inline-cta { display: flex; align-items: center; justify-content: space-between; gap: 18px; background: var(--navy-900); color: #dbe3ee; border-radius: var(--radius); padding: 22px 26px; margin: 2em 0; }
.inline-cta p { margin: 0; font-weight: 500; }
.faq { margin-top: 2.4em; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item:first-of-type { border-top: 1px solid var(--line); }
.faq-item summary { cursor: pointer; padding: 18px 40px 18px 0; font-weight: 700; color: var(--navy-900); list-style: none; position: relative; font-family: var(--head); }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after { content: ""; position: absolute; right: 8px; top: 24px; width: 10px; height: 10px; border-right: 2px solid var(--green); border-bottom: 2px solid var(--green); transform: rotate(45deg); transition: transform .2s; }
.faq-item[open] summary::after { transform: rotate(-135deg); top: 28px; }
.faq-a { padding: 0 0 18px; }
.sources { margin-top: 2.4em; font-size: .9rem; }
.sources h2 { font-size: 1.2rem; }
.sources ol { padding-left: 1.3em; }
.article-disclaimer { font-size: .8rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 16px; margin-top: 2em; }
.expert-box { display: flex; gap: 22px; align-items: flex-start; background: var(--soft); border-radius: 18px; padding: 26px; margin: 2.6em 0 0; }
.expert-box img { width: 96px; height: 120px; object-fit: cover; object-position: top; border-radius: 12px; flex-shrink: 0; }
.eb-kicker { font-size: .74rem; text-transform: uppercase; letter-spacing: .08em; font-weight: 800; color: var(--green-600); margin: 0 0 2px; font-family: var(--head); }
.eb-name { font-family: var(--head); font-weight: 800; font-size: 1.25rem; color: var(--navy-900); margin: 0; }
.eb-title { color: var(--muted); font-size: .9rem; margin: 0 0 10px; }
.eb-actions { display: flex; flex-wrap: wrap; gap: 10px; margin: 0; }

/* Cards */
.related { padding: 24px 0 64px; }
.related h2 { margin-top: 0; }
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.card-link { text-decoration: none; color: var(--text); display: flex; flex-direction: column; transition: border-color .15s, transform .15s, box-shadow .15s; }
.card-link:hover { border-color: var(--green); transform: translateY(-2px); box-shadow: var(--shadow); color: var(--text); }
.card-link h3 { margin: 6px 0 8px; font-size: 1.1rem; }
.card-link p { font-size: .93rem; color: var(--muted); flex: 1; }
.card-kicker { font-size: .72rem; text-transform: uppercase; letter-spacing: .1em; font-weight: 800; color: var(--green-600); font-family: var(--head); }
.card-more { font-weight: 700; color: var(--green-600); font-size: .9rem; }

/* Home sections */
.section { padding: 84px 0; }
.section-alt { background: var(--soft); }
.section-dark { background: var(--navy-900); color: #c9d3e1; }
.section-dark h2, .section-dark h3 { color: #fff; }
.section-head { max-width: 720px; margin: 0 auto 44px; text-align: center; }
.section-head h2 { margin-top: 0; }
.section-head p { color: var(--muted); font-size: 1.08rem; }
.need-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 30px; }
.need-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; text-decoration: none; color: var(--text); display: flex; flex-direction: column; transition: .15s; }
.need-card:hover { border-color: var(--green); transform: translateY(-3px); box-shadow: var(--shadow); color: var(--text); }
.need-card h3 { margin: 16px 0 6px; font-size: 1.08rem; }
.need-card p { font-size: .92rem; color: var(--muted); flex: 1; }
.icon { display: inline-grid; place-items: center; width: 48px; height: 48px; border-radius: 12px; background: var(--green-50); }
.icon::before { content: ""; width: 24px; height: 24px; background: var(--green-600); -webkit-mask: var(--i) center/contain no-repeat; mask: var(--i) center/contain no-repeat; }
.icon-key { --i: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Ccircle cx='7.5' cy='15.5' r='4.5'/%3E%3Cpath d='m10.7 12.3 9.8-9.8M17 6l3 3M14.5 8.5l2.5 2.5'/%3E%3C/svg%3E"); }
.icon-store { --i: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M3 9l1.5-5h15L21 9M4 9v11h16V9M3 9h18M9 20v-6h6v6'/%3E%3C/svg%3E"); }
.icon-box { --i: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M9 2h6v3l1 2v14a1 1 0 0 1-1 1H9a1 1 0 0 1-1-1V7l1-2z'/%3E%3Cpath d='M8 11h8v5H8z'/%3E%3C/svg%3E"); }
.icon-snow { --i: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='5' y='2' width='14' height='20' rx='2'/%3E%3Cpath d='M5 10h14M8 6v1M8 14v3'/%3E%3C/svg%3E"); }
.icon-cash { --i: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Crect x='2' y='6' width='20' height='12' rx='2'/%3E%3Ccircle cx='12' cy='12' r='2.5'/%3E%3Cpath d='M6 10v4M18 10v4'/%3E%3C/svg%3E"); }
.icon-building { --i: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M4 21V5l8-3 8 3v16M2 21h20M9 21v-4h6v4M8 8h.01M12 8h.01M16 8h.01M8 12h.01M12 12h.01M16 12h.01'/%3E%3C/svg%3E"); }
.icon-license { --i: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpath d='M14 2v6h6M8 13h8M8 17h5'/%3E%3C/svg%3E"); }
.icon-refresh { --i: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='black' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M21 12a9 9 0 0 1-15.5 6.2L3 16M3 12a9 9 0 0 1 15.5-6.2L21 8M21 3v5h-5M3 21v-5h5'/%3E%3C/svg%3E"); }
.split { display: grid; grid-template-columns: 1.15fr 1fr; gap: 64px; align-items: center; }
.split > * { min-width: 0; }
.split h2 { margin-top: 0; }
.split-even { grid-template-columns: 1fr 1fr; align-items: start; }
.feature-list { list-style: none; padding: 0; margin: 0; }
.feature-list li { padding: 14px 0 14px 34px; border-bottom: 1px solid var(--line); position: relative; }
.feature-list li::before { content: ""; position: absolute; left: 0; top: 18px; width: 20px; height: 20px; border-radius: 50%; background: var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='white'%3E%3Cpath d='M8 13.6 4.4 10l-1.4 1.4L8 16.4l9-9-1.4-1.4z'/%3E%3C/svg%3E") center/14px no-repeat; }
.section-dark .feature-list li { border-color: rgba(255,255,255,.12); }
.steps { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin: 0 0 30px; counter-reset: s; }
.steps li { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; }
.step-n { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 12px; background: var(--green); color: #fff; font-weight: 800; font-family: var(--head); font-size: 1.15rem; }
.steps h3 { margin-top: 16px; }
.steps p { color: var(--muted); margin: 0; }
.guide-list { list-style: none; padding: 0; margin: 0; }
.guide-list li { border-bottom: 1px solid var(--line); }
.guide-list a { display: flex; justify-content: space-between; gap: 12px; padding: 14px 0; text-decoration: none; font-weight: 600; color: var(--navy-900); }
.guide-list a:hover { color: var(--green-600); }
.guide-list a::after { content: "→"; color: var(--green); }
.meet { display: grid; grid-template-columns: 300px 1fr; gap: 48px; align-items: center; }
.meet-photo { position: relative; }
.meet-photo img { width: 100%; aspect-ratio: 4/5; object-fit: cover; object-position: top; border-radius: 20px; box-shadow: var(--shadow-lg); }
.meet-badge { position: absolute; left: 16px; right: 16px; bottom: -18px; background: #fff; border-radius: 12px; padding: 12px 14px; box-shadow: var(--shadow); text-align: center; font-size: .86rem; color: var(--muted); }
.meet-badge strong { display: block; color: var(--navy-900); font-family: var(--head); font-size: 1rem; }
.quote { font-family: var(--head); font-size: 1.25rem; line-height: 1.5; color: var(--navy-900); font-weight: 600; border-left: 4px solid var(--green); padding-left: 18px; margin: 18px 0 22px; }
.compare-pay { background: #fff; color: var(--text); border-radius: 18px; padding: 28px; box-shadow: var(--shadow-lg); }
.compare-pay h3 { margin-top: 0; color: var(--navy-900); }
.pay-row { display: flex; justify-content: space-between; gap: 16px; padding: 14px 0; border-bottom: 1px solid var(--line); }
.pay-row strong { font-family: var(--head); color: var(--navy-900); }
.pay-row.bad strong { color: var(--red); }
.pay-row.good strong { color: var(--green-600); }
.pay-note { font-size: .8rem; color: var(--muted); margin: 12px 0 0; }

/* CTA band */
.cta-band { background: var(--navy-900); color: #c9d3e1; padding: 56px 0; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.cta-person { display: flex; gap: 22px; align-items: center; }
.cta-person img { width: 84px; height: 84px; border-radius: 50%; object-fit: cover; object-position: top; border: 3px solid rgba(255,255,255,.25); flex-shrink: 0; }
.cta-band h2 { color: #fff; margin: 0 0 6px; font-size: clamp(1.4rem, 2.6vw, 1.9rem); }
.cta-band p { margin: 0; max-width: 58ch; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 12px; flex-shrink: 0; }

/* Footer */
.site-footer { background: var(--navy-950); color: #9fb0c7; padding: 64px 0 28px; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 40px; }
.footer-h { font-family: var(--head); color: #fff; font-size: .8rem; text-transform: uppercase; letter-spacing: .1em; font-weight: 800; margin: 0 0 12px; }
.footer-grid ul { list-style: none; padding: 0; margin: 0 0 24px; }
.footer-grid li { margin-bottom: 7px; }
.site-footer a { color: #c9d3e1; text-decoration: none; }
.site-footer a:hover { color: #4ade80; }
.footer-brand p { margin-top: 14px; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.1); margin-top: 32px; padding-top: 22px; font-size: .78rem; color: #7f90a8; }
.footer-legal a { text-decoration: underline; }

/* Sticky mobile action bar */
.sticky-bar { display: none; }
@media (max-width: 860px) {
  .sticky-bar { display: grid; grid-template-columns: 1fr 1.4fr; gap: 8px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; padding: 10px 12px calc(10px + env(safe-area-inset-bottom)); background: rgba(255,255,255,.97); border-top: 1px solid var(--line); box-shadow: 0 -6px 20px rgba(10,26,51,.08); }
  .sticky-bar a { display: flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; border-radius: 10px; font: 700 .98rem var(--head); text-decoration: none; }
  .sb-call { background: #fff; color: var(--navy-900); border: 2px solid var(--line); }
  .sb-call .ico-phone { color: var(--green); }
  .sb-apply { background: var(--green); color: #fff; }
  body { padding-bottom: 74px; }
  body.kind-page.page-apply .sticky-bar { display: none; }
}

/* Apply / contact */
.apply-layout { display: grid; grid-template-columns: 1.4fr 1fr; gap: 40px; align-items: start; }
.apply-layout > * { min-width: 0; }
.apply-card, .contact-form { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 30px; box-shadow: var(--shadow); }
.apply-side { display: grid; gap: 18px; }
.apply-trust { background: var(--soft); border-radius: 18px; padding: 24px; }
.apply-trust h2 { font-size: 1.12rem; margin: 0 0 10px; }
.apply-trust h2 + ol, .apply-trust h2 + ul { margin-bottom: 18px; }
.apply-trust li { font-size: .93rem; }
.contact-layout { display: grid; grid-template-columns: 1.4fr 1fr; gap: 40px; align-items: start; }
.contact-layout > * { min-width: 0; }
.contact-info h2 { margin-top: 0; font-size: 1.25rem; }

/* Calculator */
.calc { display: grid; grid-template-columns: 1fr 1fr; background: #fff; border: 1px solid var(--line); border-radius: 18px; overflow: hidden; box-shadow: var(--shadow); margin-bottom: 14px; }
.calc > * { min-width: 0; }
.calc-inputs { padding: 28px; }
.calc-results { padding: 28px; background: var(--navy-900); color: #c9d3e1; }
.result-main span { display: block; font-size: .8rem; text-transform: uppercase; letter-spacing: .08em; color: #9fb0c7; font-weight: 700; }
.result-main strong { display: block; font-family: var(--head); font-weight: 800; font-size: 2.6rem; color: #4ade80; line-height: 1.1; margin: 4px 0 18px; letter-spacing: -.02em; }
.result-list { margin: 0 0 16px; }
.result-list > div { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
.result-list dt { color: #9fb0c7; }
.result-list dd { margin: 0; font-weight: 600; color: #fff; }
.dscr-msg { font-size: .9rem; min-height: 1.4em; }
.dscr-good { color: #86efac; } .dscr-ok { color: #fcd34d; } .dscr-bad { color: #fca5a5; }

/* People */
.people { display: grid; grid-template-columns: 1fr; gap: 18px; }

/* Responsive */
@media (max-width: 1000px) {
  .hero-home, .split, .split-even, .hero-grid, .apply-layout, .contact-layout, .meet { grid-template-columns: 1fr; }
  .meet { gap: 40px; } .meet-photo { max-width: 300px; }
  .need-grid { grid-template-columns: repeat(2, 1fr); }
  .article-layout { grid-template-columns: 1fr; gap: 0; }
  .article-aside { order: -1; }
  .aside-sticky { position: static; }
  .article-aside .contact-card { display: none; }
  .toc { margin-bottom: 26px; }
  .toc:not([open]) ol { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .cta-inner { flex-direction: column; align-items: flex-start; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .trust-grid > div:nth-child(2) { border-right: 0; }
  .trust-grid > div:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .hero-side { max-width: 520px; }
}
@media (max-width: 720px) {
  body { font-size: 16.5px; }
  .container { padding: 0 16px; }
  .section { padding: 60px 0; }
  .hero { padding: 40px 0 48px; }
  .hero-form-card, .apply-card, .contact-form { padding: 20px; border-radius: 16px; }
  .card-grid, .steps, .need-grid, .proscons, .calc, .field-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .inline-cta { flex-direction: column; align-items: flex-start; }
  .expert-box { flex-direction: column; }
  .cta-person { flex-direction: column; align-items: flex-start; }
  .calc-inputs, .calc-results { padding: 20px; }
  .menu-2col { min-width: 0; }
  .hero-ctas .btn { flex: 1; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; scroll-behavior: auto !important; } }
@media print {
  .topbar, .site-header, .site-footer, .cta-band, .article-aside, .related, .no-print, .inline-cta, .sticky-bar, .hero-side, .hero-ctas { display: none !important; }
  .article-layout { display: block; }
}

td:first-child a { white-space: nowrap; }
.brand { flex-shrink: 0; }
@media (max-width: 1420px) and (min-width: 1241px) {
  .nav-cta .nav-phone { display: none; }
  .nav-list > li > a { padding: 10px 8px; }
}

.urgent-box { background: var(--gold-50); border: 2px solid var(--gold); border-radius: var(--radius); padding: 22px 24px; margin-bottom: 26px; }
.urgent-h { font-family: var(--head); font-weight: 800; font-size: 1.25rem; color: var(--navy-900); margin-bottom: 6px; }

/* Home H1: keyword on line 1, benefit on line 2, no orphan words */
.hero h1 { max-width: none; text-wrap: balance; }
.hero h1 em { display: block; }
@media (min-width: 1001px) { .hero h1 em { white-space: nowrap; } }