/* ROILadder v5 site styles: the approved concept 26 CSS, unchanged. */

:root{
  --navy:#001f3f; --navy-deep:#00152b; --logo-navy:#041E3D; --gold:#d4a017; --logo-gold:#BE8A34; --gold-text:#8a6a0e; --light-navy:#0a3d66;
  --off-white:#f8f7f5; --text-dark:#1a1a1a; --text-light:#555; --border-light:#e5e5e5;
  --ink-on-dark:rgba(255,255,255,.85); --dim-on-dark:rgba(255,255,255,.6); --line-on-dark:rgba(255,255,255,.12);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Helvetica,Arial,sans-serif;color:var(--text-dark);background:var(--off-white);line-height:1.55;overflow-x:hidden}
a{text-decoration:none;color:inherit}
button{font:inherit}
img,svg{max-width:100%}
[id]{scroll-margin-top:92px}
.wrap{max-width:1200px;margin:0 auto;padding:0 2rem}
.eyebrow{display:inline-flex;align-items:center;gap:.6rem;color:var(--gold-text);font-weight:700;font-size:.76rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:1rem}
.eyebrow::before{content:'';width:22px;height:2px;background:var(--gold)}
.on-dark .eyebrow{color:var(--gold)}
h2.sec{font-size:clamp(1.9rem,3.6vw,2.6rem);line-height:1.1;letter-spacing:-.02em;color:var(--navy);margin-bottom:.7rem}
.on-dark h2.sec{color:#fff}
p.lead{color:var(--text-light);font-size:1.08rem;max-width:64ch}
.on-dark p.lead{color:var(--dim-on-dark)}
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.95rem 1.7rem;border-radius:6px;font-weight:700;font-size:.95rem;border:0;cursor:pointer;transition:transform .15s,box-shadow .15s,background .2s,color .2s}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(212,160,23,.35)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--light-navy)}
.btn-ghost{border:1.5px solid var(--navy);color:var(--navy);background:transparent}
.btn-ghost:hover{background:var(--navy);color:#fff}
.on-dark .btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
.on-dark .btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-sm{padding:.6rem 1.1rem;font-size:.85rem}

/* reveal (slide-up) */
.rv{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s cubic-bezier(.2,.8,.2,1)}
.rv.in{opacity:1;transform:none}
.rv.d1{transition-delay:.1s}.rv.d2{transition-delay:.2s}.rv.d3{transition-delay:.3s}.rv.d4{transition-delay:.4s}.rv.d5{transition-delay:.5s}.rv.d6{transition-delay:.6s}

/* header */
.hdr{position:sticky;top:0;z-index:100;backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);background:rgba(248,247,245,.85);border-bottom:1px solid var(--border-light);transition:background .3s}
.hdr.dark{background:rgba(0,21,43,.7);border-color:var(--line-on-dark)}
.hdr-in{max-width:1200px;margin:0 auto;padding:.85rem 2rem;display:flex;align-items:center;gap:1.5rem}
.brand{display:flex;align-items:center;gap:.55rem;font-weight:800;font-size:1.12rem;color:var(--navy);letter-spacing:-.01em}
.brand svg{width:30px;height:30px}
.hdr.dark .brand{color:#fff}
.brand em{font-style:normal;color:var(--gold-text)}
.hdr.dark .brand em{color:var(--gold)}
.nav{display:flex;gap:1.6rem;list-style:none;margin-left:auto}
.nav a{font-size:.9rem;font-weight:500;color:var(--text-dark)}
.hdr.dark .nav a{color:var(--ink-on-dark)}
.nav a:hover{color:var(--gold-text)}
.hdr .phone{font-size:.85rem;font-weight:600;color:var(--text-light)}
.hdr.dark .phone{color:var(--dim-on-dark)}
@media(max-width:900px){.nav,.hdr .phone{display:none}}

/* marquee */
.mq{background:var(--navy);color:#fff;overflow:hidden;border-top:1px solid var(--line-on-dark);border-bottom:1px solid var(--line-on-dark)}
.mq-track{display:flex;width:max-content;animation:mq 30s linear infinite}
.mq:hover .mq-track{animation-play-state:paused}
.mq-track span{padding:.95rem 1.6rem;font-size:.95rem;font-weight:700;white-space:nowrap;letter-spacing:.01em}
.mq-track span::after{content:'·';color:var(--gold);margin-left:1.6rem}
@keyframes mq{to{transform:translateX(-50%)}}

/* navy gradient block */
.navy-block{position:relative;color:#fff;background:linear-gradient(135deg,#001f3f 0%,#0a3d66 55%,#00152b 100%);overflow:hidden}
.navy-block::before{content:'';position:absolute;inset:0;background:radial-gradient(700px circle at 85% 20%,rgba(212,160,23,.22),transparent 60%),radial-gradient(500px circle at 10% 90%,rgba(10,61,102,.9),transparent 60%);pointer-events:none}
.navy-block>.wrap{position:relative;z-index:1}

/* section spacing */
.sec-pad{padding:6.5rem 0}
.sec-pad-sm{padding:4.5rem 0}
.head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:2rem;flex-wrap:wrap;margin-bottom:2.6rem}
.head-row>div:first-child{max-width:700px}

/* services rows (expand on hover) */
.srows{border-top:1px solid var(--border-light)}
.srow{display:grid;grid-template-columns:70px 1fr 40px;gap:1.5rem;align-items:start;padding:1.35rem 0;border-bottom:1px solid var(--border-light);cursor:pointer;transition:background .2s;position:relative}
.srow::after{content:'';position:absolute;left:0;bottom:-1px;height:2px;width:0;background:var(--gold);transition:width .45s cubic-bezier(.2,.8,.2,1)}
.srow:hover::after,.srow:focus-within::after{width:100%}
.srow .n{font-weight:800;color:var(--gold-text);font-size:1rem;padding-top:.2rem;transition:transform .3s}
.srow:hover .n{transform:translateX(6px)}
.srow h3{font-size:1.35rem;color:var(--navy);letter-spacing:-.01em}
.srow .arrow{font-size:1.3rem;color:var(--navy);transition:transform .3s;justify-self:end}
.srow:hover .arrow{transform:rotate(90deg)}
.srow .more{display:grid;grid-template-rows:0fr;transition:grid-template-rows .45s cubic-bezier(.2,.8,.2,1)}
.srow:hover .more,.srow:focus-within .more{grid-template-rows:1fr}
.srow .more>div{overflow:hidden}
.srow .more p{color:var(--text-light);font-size:.95rem;max-width:66ch;padding-top:.6rem}
.srow .why{margin-top:.7rem;font-size:.85rem;color:var(--gold-text);font-weight:600;padding-bottom:.4rem}
.srow .why::before{content:'Why it matters: ';color:var(--text-light);font-weight:500}
@media(max-width:700px){.srow{grid-template-columns:44px 1fr}.srow .arrow{display:none}}

/* services flip cards */
.flip-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.2rem;perspective:1400px}
.flip{position:relative;height:250px;transform-style:preserve-3d;transition:transform .7s cubic-bezier(.2,.8,.2,1);cursor:pointer}
.flip:hover,.flip:focus-within{transform:rotateY(180deg)}
.flip>div{position:absolute;inset:0;border-radius:14px;padding:1.8rem;backface-visibility:hidden;-webkit-backface-visibility:hidden;display:flex;flex-direction:column}
.flip .f{background:#fff;border:1px solid var(--border-light);justify-content:space-between}
.flip .f .n{font-weight:800;color:var(--gold-text)}
.flip .f h3{font-size:1.3rem;color:var(--navy);letter-spacing:-.01em;line-height:1.15}
.flip .f .hint{font-size:.75rem;color:var(--text-light);text-transform:uppercase;letter-spacing:.08em}
.flip .b{background:var(--navy);color:#fff;transform:rotateY(180deg);justify-content:space-between}
.flip .b p{font-size:.9rem;color:var(--ink-on-dark)}
.flip .b .why{font-size:.82rem;color:var(--gold);font-weight:600;border-top:1px solid var(--line-on-dark);padding-top:.7rem}
.flip .b .why::before{content:'Why it matters: ';color:var(--dim-on-dark);font-weight:500}

/* stacking cards */
.stack{position:relative}
.scard{position:sticky;top:104px;background:#fff;border:1px solid var(--border-light);border-radius:18px;padding:2.6rem;min-height:300px;margin-bottom:1.6rem;display:grid;grid-template-columns:90px 1.2fr 1fr;gap:2rem;align-items:start;transform-origin:top center;will-change:transform;box-shadow:0 -8px 30px rgba(0,31,63,.06)}
.scard:nth-child(even){background:var(--navy);color:#fff;border-color:var(--navy)}
.scard .n{font-size:2.6rem;font-weight:800;letter-spacing:-.04em;line-height:1;color:var(--gold-text)}
.scard:nth-child(even) .n{color:var(--gold)}
.scard h3{font-size:1.7rem;letter-spacing:-.02em;margin-bottom:.5rem;color:var(--navy);line-height:1.12}
.scard:nth-child(even) h3{color:#fff}
.scard p{font-size:.98rem;color:var(--text-light)}
.scard:nth-child(even) p{color:var(--ink-on-dark)}
.scard .why{border-left:1px solid var(--border-light);padding-left:1.6rem;font-size:.92rem;color:var(--text-light)}
.scard:nth-child(even) .why{border-color:var(--line-on-dark);color:var(--ink-on-dark)}
.scard .why b{display:block;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);margin-bottom:.4rem}
.scard:nth-child(even) .why b{color:var(--gold)}
.stack-end{height:12vh}
@media(max-width:820px){.scard{grid-template-columns:1fr;padding:1.8rem;top:88px}.scard .why{border-left:0;padding-left:0;border-top:1px solid var(--border-light);padding-top:.8rem}}

/* benefit boxes with reasons */
.boxes{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.2rem}
.box{background:#fff;border:1px solid var(--border-light);border-radius:14px;padding:1.7rem;display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}
.box:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(0,31,63,.09)}
.on-dark .box{background:rgba(255,255,255,.05);border-color:var(--line-on-dark);color:#fff}
.box .k{font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);margin-bottom:.7rem}
.on-dark .box .k{color:var(--gold)}
.box h3{font-size:1.15rem;color:var(--navy);margin-bottom:.5rem;line-height:1.2}
.on-dark .box h3{color:#fff}
.box p{font-size:.92rem;color:var(--text-light);flex:1}
.on-dark .box p{color:var(--ink-on-dark)}
.box .why{margin-top:1.1rem;padding-top:.9rem;border-top:1px solid var(--border-light);font-size:.84rem;color:var(--gold-text);font-weight:600}
.on-dark .box .why{border-color:var(--line-on-dark);color:var(--gold)}
.box .why::before{content:'Why it matters: ';color:var(--text-light);font-weight:500}
.on-dark .box .why::before{color:var(--dim-on-dark)}

/* big quote with subtle constant motion */
.bigq{position:relative;overflow:hidden;text-align:center;padding:7rem 0}
.bigq .orbit{position:absolute;left:50%;top:50%;width:min(720px,120vw);aspect-ratio:1;transform:translate(-50%,-50%);pointer-events:none}
.bigq .orbit i{position:absolute;inset:0;border-radius:50%;border:1px dashed rgba(0,31,63,.16);animation:spin 80s linear infinite}
.bigq .orbit i:nth-child(2){inset:14%;animation-duration:55s;animation-direction:reverse;border-style:dotted;border-color:rgba(212,160,23,.4)}
.bigq .orbit i:nth-child(3){inset:30%;animation-duration:40s;border-color:rgba(0,31,63,.1)}
.bigq .orbit b{position:absolute;top:-5px;left:50%;width:10px;height:10px;border-radius:50%;background:var(--gold);box-shadow:0 0 12px rgba(212,160,23,.8)}
@keyframes spin{to{transform:rotate(360deg)}}
.bigq blockquote{position:relative;font-size:clamp(1.8rem,4vw,3rem);line-height:1.12;letter-spacing:-.025em;color:var(--navy);max-width:20ch;margin:0 auto 2.4rem;font-weight:800}
.bigq blockquote em{font-style:normal;color:var(--gold-text)}
.chips{position:relative;display:flex;flex-wrap:wrap;gap:.7rem;justify-content:center}
.chip{display:inline-flex;align-items:center;gap:.5rem;background:#fff;border:1px solid var(--border-light);border-radius:999px;padding:.55rem 1rem;font-size:.85rem;color:var(--text-dark)}
.chip::before{content:'✓';width:18px;height:18px;border-radius:50%;background:var(--gold);color:var(--navy);font-size:.68rem;font-weight:800;display:inline-flex;align-items:center;justify-content:center}

/* calculator */
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem;align-items:center}
.calc{background:#fff;border:1px solid var(--border-light);border-radius:16px;box-shadow:0 30px 70px rgba(0,31,63,.12);overflow:hidden}
.calc-h{background:var(--navy);color:#fff;padding:1.05rem 1.5rem;display:flex;justify-content:space-between;align-items:center}
.calc-h h3{font-size:.95rem}
.calc-h span{font-size:.7rem;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:.08em}
.calc-b{padding:1.5rem}
.fld{margin-bottom:1.05rem}
.fld label{display:flex;justify-content:space-between;font-size:.84rem;color:var(--text-light);margin-bottom:.4rem}
.fld label output{font-weight:700;color:var(--navy);font-variant-numeric:tabular-nums}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:3px;background:linear-gradient(90deg,var(--gold) var(--p,50%),var(--border-light) var(--p,50%));outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:#fff;border:3px solid var(--navy);cursor:pointer;box-shadow:0 2px 8px rgba(0,0,0,.2)}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:3px solid var(--navy);cursor:pointer}
.gap{background:var(--off-white);border-radius:12px;padding:1.1rem 1.3rem;margin:.3rem 0 1rem;display:flex;align-items:baseline;gap:.8rem;flex-wrap:wrap}
.gap strong{font-size:2.1rem;color:var(--gold-text);font-weight:800;letter-spacing:-.02em;font-variant-numeric:tabular-nums}
.gap span{font-size:.85rem;color:var(--text-light)}
.metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:.7rem}
.met{border:1px solid var(--border-light);border-radius:10px;padding:.75rem .9rem}
.met strong{display:block;font-size:1.15rem;color:var(--navy);font-weight:800;font-variant-numeric:tabular-nums}
.met span{font-size:.7rem;color:var(--text-light);text-transform:uppercase;letter-spacing:.06em}
.chart{margin-top:1rem;height:120px}
.chart svg{width:100%;height:100%;overflow:visible}
.chart rect{transition:all .5s cubic-bezier(.2,.8,.2,1)}
.calc-note{font-size:.72rem;color:var(--text-light);margin-top:.9rem;line-height:1.45}
@media(max-width:900px){.calc-grid{grid-template-columns:1fr;gap:2rem}.metrics{grid-template-columns:1fr 1fr}}

/* sticky pill */
.pill{position:fixed;left:50%;bottom:3.3rem;transform:translate(-50%,140%);background:var(--navy);color:#fff;border-radius:999px;padding:.6rem .7rem .6rem 1.3rem;display:flex;align-items:center;gap:1rem;box-shadow:0 20px 50px rgba(0,0,0,.35);z-index:500;transition:transform .4s cubic-bezier(.2,.8,.2,1);white-space:nowrap;font-size:.9rem}
.pill.on{transform:translate(-50%,0)}
.pill b{color:var(--gold);font-variant-numeric:tabular-nums}
.pill .btn{padding:.5rem 1rem;font-size:.8rem}
@media(max-width:560px){.pill{font-size:.8rem;gap:.6rem;padding-left:1rem}.pill .btn{padding:.45rem .8rem;font-size:.74rem}}

/* tools tabs */
.tabs{display:inline-flex;gap:.3rem;background:#fff;border:1px solid var(--border-light);border-radius:10px;padding:.3rem}
.tab{border:0;background:transparent;color:var(--text-light);padding:.55rem 1rem;border-radius:7px;font-weight:600;font-size:.88rem;cursor:pointer;transition:background .2s,color .2s}
.tab.on{background:var(--navy);color:#fff}
.win{background:#fff;border:1px solid var(--border-light);border-radius:16px;overflow:hidden;box-shadow:0 30px 70px rgba(0,31,63,.1)}
.win-bar{display:flex;align-items:center;gap:.5rem;padding:.7rem 1rem;border-bottom:1px solid var(--border-light)}
.win-bar i{width:10px;height:10px;border-radius:50%;background:var(--border-light)}
.win-bar .url{margin-left:.6rem;font-size:.75rem;color:var(--text-light);background:var(--off-white);border-radius:6px;padding:.3rem .7rem;flex:1;max-width:340px}
.panel{display:none;padding:2rem;min-height:380px}
.panel.on{display:grid;animation:fade .35s ease}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.p-mini{grid-template-columns:1fr 1fr;gap:2.5rem}
.p-check{grid-template-columns:1fr 230px;gap:2.5rem}
.cks{display:grid;grid-template-columns:1fr 1fr;gap:.25rem 1.4rem}
.ck{display:flex;align-items:flex-start;gap:.6rem;padding:.5rem .55rem;border-radius:8px;cursor:pointer;font-size:.86rem;transition:background .15s;line-height:1.3}
.ck:hover{background:var(--off-white)}
.ck input{display:none}
.ck .bx{width:18px;height:18px;border:1.5px solid var(--gold-text);border-radius:5px;flex-shrink:0;display:inline-flex;align-items:center;justify-content:center;font-size:.68rem;color:var(--navy);margin-top:.1rem;transition:background .2s}
.ck input:checked+.bx{background:var(--gold);border-color:var(--gold)}
.ck input:checked+.bx::after{content:'✓';font-weight:800}
.ck input:checked~span{color:var(--text-light);text-decoration:line-through}
.ck .part{display:block;font-size:.66rem;text-transform:uppercase;letter-spacing:.08em;color:var(--gold-text)}
.ringw{text-align:center;align-self:center}
.ring{width:160px;height:160px;margin:0 auto .6rem}
.ring circle{fill:none;stroke-width:12}
.ring .bgc{stroke:var(--border-light)}
.ring .fgc{stroke:var(--gold);stroke-linecap:round;stroke-dasharray:440;stroke-dashoffset:440;transform:rotate(-90deg);transform-origin:center;transition:stroke-dashoffset .5s cubic-bezier(.2,.8,.2,1)}
.ring text{font-size:34px;font-weight:800;fill:var(--navy);text-anchor:middle;dominant-baseline:middle}
.summ{grid-column:1/-1;display:grid;grid-template-columns:repeat(3,1fr);gap:.7rem;border-top:1px solid var(--border-light);padding-top:1.2rem;margin-top:.4rem}
.p-comp{grid-template-columns:1fr}
.ctog{display:inline-flex;border:1px solid var(--border-light);border-radius:999px;padding:.25rem;margin-bottom:1.2rem;background:var(--off-white)}
.ctog button{border:0;background:transparent;padding:.45rem 1rem;border-radius:999px;font-weight:600;font-size:.82rem;color:var(--text-light);cursor:pointer}
.ctog button.on{background:var(--navy);color:#fff}
table{width:100%;border-collapse:collapse;font-size:.88rem}
th{text-align:left;font-size:.7rem;text-transform:uppercase;letter-spacing:.08em;color:var(--text-light);padding:.6rem .5rem;border-bottom:1px solid var(--border-light)}
td{padding:.75rem .5rem;border-bottom:1px solid var(--border-light);vertical-align:top;transition:background .2s}
td:first-child{font-weight:600;color:var(--navy)}
table.hl-1 td:nth-child(2),table.hl-1 th:nth-child(2),table.hl-2 td:nth-child(3),table.hl-2 th:nth-child(3),table.hl-3 td:nth-child(4),table.hl-3 th:nth-child(4){background:rgba(212,160,23,.12)}
@media(max-width:900px){.p-mini,.p-check{grid-template-columns:1fr}.cks{grid-template-columns:1fr}.summ{grid-template-columns:1fr 1fr}}
@media(max-width:640px){table{font-size:.78rem}th,td{padding:.55rem .35rem}}

/* FAQ */
.acc{border-top:1px solid var(--border-light);max-width:860px}
.acc-item{border-bottom:1px solid var(--border-light)}
.acc-btn{width:100%;background:none;border:0;text-align:left;padding:1.3rem 0;font-size:1.1rem;font-weight:700;color:var(--navy);display:flex;justify-content:space-between;align-items:center;gap:1rem;cursor:pointer}
.acc-btn i{width:28px;height:28px;border-radius:50%;border:1.5px solid var(--navy);display:inline-flex;align-items:center;justify-content:center;font-style:normal;font-size:1.1rem;transition:transform .35s,background .2s,color .2s;flex-shrink:0}
.acc-item.open .acc-btn i{transform:rotate(45deg);background:var(--navy);color:var(--gold)}
.acc-body{display:grid;grid-template-rows:0fr;transition:grid-template-rows .4s cubic-bezier(.2,.8,.2,1)}
.acc-item.open .acc-body{grid-template-rows:1fr}
.acc-body>div{overflow:hidden}
.acc-body p{padding:0 0 1.3rem;color:var(--text-light);max-width:66ch}

/* pricing */
.tiers{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.2rem}
.tier{background:#fff;border:1px solid var(--border-light);border-radius:14px;padding:1.8rem;position:relative}
.tier.mid{border-color:var(--gold);box-shadow:0 20px 50px rgba(0,31,63,.08)}
.tier .pop{position:absolute;top:-.7rem;left:1.4rem;background:var(--gold);color:var(--navy);font-size:.68rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:.25rem .6rem;border-radius:999px}
.tier h3{color:var(--navy);font-size:1.15rem;margin-bottom:.3rem}
.tier .pr{font-size:1.6rem;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.tier .term{font-size:.8rem;color:var(--gold-text);font-weight:600;margin-bottom:.8rem}
.tier p{font-size:.9rem;color:var(--text-light)}

/* CTA + footer */
.cta{text-align:center;padding:7rem 0}
.cta h2{font-size:clamp(2rem,4.2vw,3rem);color:var(--navy);letter-spacing:-.025em;margin-bottom:1rem}
.cta p{color:var(--text-light);max-width:520px;margin:0 auto 2rem;font-size:1.08rem}
.cta.on-dark h2{color:#fff}.cta.on-dark p{color:var(--dim-on-dark)}
.cta .sub{margin-top:1.2rem;font-size:.85rem;color:var(--text-light)}
.cta.on-dark .sub{color:var(--dim-on-dark)}
footer{background:var(--navy-deep);color:rgba(255,255,255,.7);padding:3rem 0 5rem;font-size:.85rem}
footer .wrap{display:flex;justify-content:space-between;gap:2rem;flex-wrap:wrap}
footer a{color:var(--gold)}
footer .legal{font-size:.75rem;color:rgba(255,255,255,.45);margin-top:.6rem}

/* logo canvas */
.logo-stage{position:relative;display:inline-block}
.logo-stage canvas{display:block}
.logo-stage .crisp{position:absolute;inset:0;opacity:0;transition:opacity .9s ease}
.logo-stage.done .crisp{opacity:1}
.logo-stage .replay{position:absolute;right:0;top:-1.4rem;font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--dim-on-dark);background:none;border:0;cursor:pointer;opacity:0;transition:opacity .4s}
.logo-stage.done .replay{opacity:.8}
.logo-stage.light .replay{color:var(--text-light)}
.wordmark{font-weight:800;letter-spacing:-.02em;color:#fff;opacity:0;transform:translateY(8px);transition:opacity .8s ease .2s,transform .8s ease .2s}
.wordmark em{font-style:normal;color:var(--gold)}
.logo-stage.done~.wordmark,.hero-logo.done .wordmark{opacity:1;transform:none}

@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.rv{opacity:1;transform:none}}

.hero-dark{background:var(--navy-deep);color:#fff;position:relative;overflow:hidden}
.hero-dark::before{content:'';position:absolute;inset:0;background:radial-gradient(900px circle at 50% -10%,rgba(10,61,102,.9),transparent 60%),radial-gradient(700px circle at 85% 90%,rgba(212,160,23,.14),transparent 55%);pointer-events:none}
.hero-dark .grid{position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.12) 1px,transparent 1px);background-size:28px 28px;opacity:.35;pointer-events:none}
.hero-dark>.wrap{position:relative;z-index:1}
.hero-center{text-align:center;padding:4.5rem 2rem 5.5rem}
.hero-center .wordmark{font-size:2rem;margin:.6rem 0 2.2rem}
.hero-center h1{font-size:clamp(2.4rem,5.4vw,4.4rem);line-height:1.04;letter-spacing:-.03em;max-width:18ch;margin:0 auto 1.2rem}
.hero-center p.lead{margin:0 auto 2.2rem;max-width:60ch;font-size:1.15rem}
.hero-actions{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}
.hero-split{display:grid;grid-template-columns:1.05fr .95fr;gap:3rem;align-items:center;padding:5rem 2rem}
.hero-split h1{font-size:clamp(2.3rem,4.6vw,3.6rem);line-height:1.06;letter-spacing:-.028em;margin-bottom:1.1rem;color:var(--navy)}
.on-dark .hero-split h1,.hero-dark h1{color:#fff}
.hero-split p.lead{font-size:1.12rem;margin-bottom:1.8rem}
.hero-split .hero-actions{justify-content:flex-start}
.mini-brand{display:flex;align-items:center;gap:.9rem;margin-bottom:1.8rem}
.mini-brand .wordmark{font-size:1.6rem;color:var(--navy)}
.on-dark .mini-brand .wordmark{color:#fff}
.hero-logo-right{display:flex;justify-content:center}
.stat-row{display:flex;gap:2.2rem;flex-wrap:wrap;border-top:1px solid var(--border-light);padding-top:1.5rem;margin-top:2rem}
.on-dark .stat-row{border-color:var(--line-on-dark)}
.stat-row div{font-size:.82rem;color:var(--text-light);max-width:200px}
.on-dark .stat-row div{color:var(--dim-on-dark)}
.stat-row strong{display:block;font-size:1.5rem;color:var(--navy);font-weight:800}
.on-dark .stat-row strong{color:#fff}
@media(max-width:900px){.hero-split{grid-template-columns:1fr;padding:3rem 1.5rem}.hero-center{padding:3rem 1.25rem 4rem}.hero-logo-right{order:-1}}

/* lockup wordmark (matches the supplied logo: ROI navy, LADDER gold, LLC with rules) */
.lockup{display:inline-block;text-align:center;font-weight:600;letter-spacing:.14em;line-height:1;opacity:0;transform:translateY(8px);transition:opacity .8s ease .2s,transform .8s ease .2s}
.done~.lockup,.hero-logo.done .lockup{opacity:1;transform:none}
.lockup .n1{color:var(--logo-navy)}.lockup .n2{color:var(--logo-gold)}
.on-dark .lockup .n1,.hero-dark .lockup .n1{color:#fff}.on-dark .lockup .n2,.hero-dark .lockup .n2{color:var(--gold)}
.lockup .lk-llc{display:flex;align-items:center;justify-content:center;gap:.6em;font-size:.42em;letter-spacing:.34em;margin-top:.55em;color:var(--logo-navy)}
.on-dark .lockup .lk-llc,.hero-dark .lockup .lk-llc{color:#fff}
.lockup .lk-llc i{flex:0 0 3.2em;height:2px;background:var(--logo-gold)}
.hero-dark .lockup .lk-llc i{background:var(--gold)}
/* short version (AIO summary) */
.sv{padding:2.4rem 0 0}
.sv-box{background:#fff;border:1px solid var(--border-light);border-left:4px solid var(--gold);border-radius:10px;padding:1.3rem 1.6rem;max-width:900px}
.sv-k{display:block;font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);margin-bottom:.5rem}
.sv-box p{color:var(--text-dark);font-size:.98rem;max-width:none}
.sv-src{display:block;font-size:.75rem;color:var(--text-light);margin-top:.6rem}
.lnk{color:var(--gold-text);font-weight:600;font-size:.9rem}
.srow h3 a,.scard h3 a{color:inherit}
.srow h3 a:hover,.scard h3 a:hover{color:var(--gold-text)}
/* locations */
.locs{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1rem}
.loc{display:flex;flex-direction:column;gap:.2rem;padding:1.3rem 1.4rem;border:1px solid var(--border-light);border-radius:12px;background:var(--off-white);transition:border-color .2s,transform .2s;position:relative;padding-left:2.8rem}
.loc:hover{border-color:var(--gold);transform:translateY(-3px)}
.loc .pin{position:absolute;left:1.2rem;top:1.45rem;width:12px;height:12px;border-radius:50% 50% 50% 0;background:var(--gold);transform:rotate(-45deg)}
.loc strong{color:var(--navy);font-size:1.05rem}
.loc span:last-child{font-size:.8rem;color:var(--text-light)}
/* lead form */
.form-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:3.5rem;align-items:start}
.form-grid .alt{display:flex;flex-direction:column;gap:.35rem;margin-top:1.6rem;font-size:1rem}
.form-grid .alt span{font-size:.85rem;color:var(--dim-on-dark)}
.form-grid .alt a{color:var(--gold);font-weight:700}
.form-grid .trust{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1.4rem}
.on-dark .chip{background:rgba(255,255,255,.06);border-color:var(--line-on-dark);color:#fff}
.lform{background:#fff;color:var(--text-dark);border-radius:16px;padding:1.8rem;box-shadow:0 30px 70px rgba(0,0,0,.25)}
.lform label{display:block;font-size:.82rem;font-weight:600;color:var(--navy);margin:.8rem 0 .3rem}
.lform input,.lform select,.lform textarea{width:100%;font:inherit;font-size:.95rem;padding:.7rem .8rem;border:1px solid var(--border-light);border-radius:8px;background:#fff;color:var(--text-dark)}
.lform input:focus,.lform select:focus,.lform textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.lform textarea{min-height:110px;resize:vertical}
.lform .f2{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.lform .fnote{font-size:.75rem;color:var(--text-light);margin-top:.8rem;line-height:1.4}
@media(max-width:900px){.form-grid{grid-template-columns:1fr;gap:2rem}.lform .f2{grid-template-columns:1fr}}
/* footer columns */
footer .ft{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:2rem}
footer .ft h4{color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:.7rem}
footer .ft ul{list-style:none}
footer .ft li{margin-bottom:.35rem}
footer .ft li a{color:rgba(255,255,255,.75)}
footer .ft li a:hover{color:var(--gold)}
footer .ft-about p{margin-top:.5rem;max-width:40ch}
footer .legal{display:block;margin-top:2rem;padding-top:1.2rem;border-top:1px solid var(--line-on-dark)}
@media(max-width:800px){footer .ft{grid-template-columns:1fr 1fr}}
.hero-dark .btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
.hero-dark .btn-ghost:hover{background:#fff;color:var(--navy)}
.hero-dark .eyebrow{color:var(--gold)}
.hero-dark p.lead{color:var(--dim-on-dark)}
.hero-center .lockup{display:block;margin:.6rem auto 0;width:max-content}

/* prospect diagnosis panel (hero, right side) */
.dg{background:#fff;border:1px solid var(--border-light);border-radius:18px;padding:1.6rem;box-shadow:0 30px 70px rgba(0,31,63,.12)}
.dg-k{display:block;font-size:.7rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);margin-bottom:.35rem}
.dg-h h2{font-size:1.25rem;color:var(--navy);letter-spacing:-.01em;line-height:1.2;margin-bottom:1rem}
.dg-opts{display:grid;grid-template-columns:1fr 1fr;gap:.5rem}
.dg-opt{text-align:left;background:var(--off-white);border:1px solid var(--border-light);border-radius:10px;padding:.7rem .85rem;font-size:.86rem;font-weight:600;color:var(--navy);cursor:pointer;transition:border-color .15s,background .15s,transform .15s;line-height:1.25}
.dg-opt:hover{border-color:var(--gold);transform:translateY(-1px)}
.dg-opt.on{background:var(--navy);color:#fff;border-color:var(--navy)}
.dg-out{margin-top:1.1rem;border-top:1px solid var(--border-light);padding-top:1rem}
.dg-out.pop{animation:fade .35s ease}
.dg-lbl{font-size:.68rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);display:block}
.dg-name{font-size:1.15rem;font-weight:800;color:var(--navy);letter-spacing:-.01em}
.dg-name:hover{color:var(--gold-text)}
.dg-blurb{font-size:.9rem;color:var(--text-light);margin:.5rem 0 .7rem}
.dg-check{font-size:.86rem;background:var(--off-white);border-left:3px solid var(--gold);padding:.6rem .8rem;border-radius:0 8px 8px 0;color:var(--text-dark)}
.dg-why{font-size:.82rem;color:var(--gold-text);font-weight:600;margin-top:.6rem}
.dg-why::before{content:'Why it matters: ';color:var(--text-light);font-weight:500}
.dg-act{display:flex;gap:.6rem;flex-wrap:wrap;margin-top:1rem}
.dg-act .btn{padding:.7rem 1.1rem;font-size:.86rem}
@media(max-width:520px){.dg-opts{grid-template-columns:1fr}}
/* consult banner */
.cb-sec{padding:0 0 1rem}
.cb{position:relative;display:grid;grid-template-columns:1.4fr 1fr;gap:2rem;align-items:center;padding:2.2rem 2.4rem;border-radius:18px;color:#fff;background:linear-gradient(120deg,#001f3f 0%,#0a3d66 60%,#00152b 100%);overflow:hidden;border-left:6px solid var(--gold);box-shadow:0 24px 60px rgba(0,31,63,.18)}
.cb::before{content:'';position:absolute;inset:0;background:radial-gradient(520px circle at 90% 10%,rgba(212,160,23,.25),transparent 60%);pointer-events:none}
.cb>*{position:relative;z-index:1}
.cb .eyebrow{color:var(--gold);margin-bottom:.5rem}
.cb h2{font-size:clamp(1.5rem,2.8vw,2.1rem);letter-spacing:-.02em;line-height:1.1;margin-bottom:.5rem}
.cb p{color:var(--dim-on-dark);font-size:.98rem;max-width:56ch}
.cb-act{display:flex;flex-direction:column;align-items:flex-start;gap:.5rem;justify-self:end}
.cb-act .btn{font-size:1rem;padding:1rem 1.6rem}
.cb-tel{color:var(--gold);font-weight:700;font-size:.92rem}
.cb-note{font-size:.78rem;color:var(--dim-on-dark)}
@media(max-width:820px){.cb{grid-template-columns:1fr;padding:1.8rem}.cb-act{justify-self:start}}

.loc-line{background:#fff;border-top:1px solid var(--border-light);border-bottom:1px solid var(--border-light);padding:1.4rem 0}
.loc-line p{font-size:.95rem;color:var(--text-light);max-width:none;text-align:center}
.loc-line strong{color:var(--navy)}
.loc-line a{color:var(--gold-text);font-weight:600}
.loc-line a:hover{text-decoration:underline}

/* concept-6 style cursor-lit service cards on a dark section */
.lit-sec{position:relative;background:var(--navy-deep);color:#fff;overflow:hidden}
.lit-sec .grid{position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.12) 1px,transparent 1px);background-size:28px 28px;opacity:.3;pointer-events:none}
.lit-sec>.wrap{position:relative;z-index:1}
.lit-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.2rem}
.lit{position:relative;padding:2rem;border-radius:12px;background:rgba(255,255,255,.03);border:1px solid var(--line-on-dark);overflow:hidden;transition:border-color .2s,transform .2s;display:flex;flex-direction:column}
.lit::before{content:'';position:absolute;inset:0;border-radius:12px;background:radial-gradient(360px circle at var(--cx,50%) var(--cy,50%),rgba(212,160,23,.18),transparent 60%);opacity:0;transition:opacity .3s}
.lit:hover::before{opacity:1}
.lit:hover{border-color:rgba(212,160,23,.45)}
.lit.hl{border-color:var(--gold);box-shadow:0 0 0 3px rgba(212,160,23,.25);transform:translateY(-3px)}
.lit.hl::before{opacity:1}
.lit>*{position:relative;z-index:1}
.lit .n{font-size:.75rem;font-weight:700;color:var(--gold);letter-spacing:.1em;margin-bottom:1rem}
.lit h3{color:#fff;font-size:1.2rem;margin-bottom:.5rem;line-height:1.2}
.lit h3 a:hover{color:var(--gold)}
.lit p{color:var(--dim-on-dark);font-size:.92rem;flex:1}
.lit .why{margin-top:.9rem;font-size:.82rem;color:var(--gold);font-weight:600}
.lit .why::before{content:'Why it matters: ';color:var(--dim-on-dark);font-weight:500}
.lit .link{display:inline-block;margin-top:1rem;color:var(--gold);font-size:.85rem;font-weight:600}
.lit .link::after{content:' →';display:inline-block;transition:transform .2s}
.lit:hover .link::after{transform:translateX(4px)}
.lit-picker{margin-bottom:1.6rem}
.lit-picker .dg{background:rgba(255,255,255,.04);border-color:var(--line-on-dark);box-shadow:none}
.lit-picker .dg-h h2{color:#fff}
.lit-picker .dg-opt{background:rgba(255,255,255,.05);border-color:var(--line-on-dark);color:#fff}
.lit-picker .dg-opt.on{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.lit-picker .dg-out{border-color:var(--line-on-dark)}
.lit-picker .dg-name{color:#fff}.lit-picker .dg-blurb{color:var(--dim-on-dark)}
.lit-picker .dg-check{background:rgba(255,255,255,.06);color:#fff}
.lit-picker .dg-lbl,.lit-picker .dg-why,.lit-picker .dg-k{color:var(--gold)}
.lit-picker .btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
/* picker variants */
.dg.wide .dg-opts{grid-template-columns:repeat(4,1fr)}
.dg.wide .dg-h{display:flex;align-items:baseline;gap:1.2rem;flex-wrap:wrap}
.dg.wide .dg-h h2{font-size:1.5rem;margin-bottom:.6rem}
.dg.compact{padding:1.2rem}
.dg.compact .dg-opt{padding:.55rem .7rem;font-size:.8rem}
@media(max-width:900px){.dg.wide .dg-opts{grid-template-columns:1fr 1fr}}
/* banner with picker */
.cb.cb-split{grid-template-columns:1.15fr .85fr;align-items:start}
.cb-pick .dg{box-shadow:none}
.cb-side{padding-top:.4rem}
.cb-side .cb-act{justify-self:start;margin-top:1.2rem}
@media(max-width:900px){.cb.cb-split{grid-template-columns:1fr}}

/* ---- concept 20 refinements ---- */
.sec-pad{padding:4.5rem 0}
.sec-pad-sm{padding:3.25rem 0}
.head-row{margin-bottom:2rem}
.sv{padding:2rem 0 0}
/* header: one-word brand, gold underline nav */
.hdr-v20 .brand span{display:inline}
.hdr-v20 .nav a{position:relative;padding:.3rem 0;color:var(--ink-on-dark);transition:color .2s}
.hdr-v20 .nav a::after{content:'';position:absolute;left:0;bottom:-2px;height:2px;width:0;background:var(--gold);transition:width .3s cubic-bezier(.2,.8,.2,1)}
.hdr-v20 .nav a:hover{color:#fff}
.hdr-v20 .nav a:hover::after,.hdr-v20 .nav a[aria-current=page]::after{width:100%}
/* calculator: top aligned */
.calc-grid.calc-top{align-items:start}
.calc-grid.calc-top>div:first-child{padding-top:.4rem}
/* services: whole-box highlight instead of cursor spotlight */
.lit.lit2::before{display:none}
.lit.lit2{transition:border-color .2s,background .2s,transform .2s,box-shadow .2s}
.lit.lit2:hover{background:rgba(212,160,23,.10);border-color:var(--gold);transform:translateY(-4px);box-shadow:0 18px 40px rgba(0,0,0,.35)}
/* six boxes on dark: lift with shadow */
.on-dark .box{transition:transform .2s,box-shadow .2s}
.on-dark .box:hover{transform:translateY(-6px);box-shadow:0 22px 44px rgba(0,0,0,.45)}
/* pricing and FAQ: tighter tops */
#pricing.sec-pad{padding-top:3rem}
#faq.sec-pad{padding-top:3rem}
/* FAQ plus icon: two bars, perfectly centered */
.acc-btn i{position:relative;font-size:0}
.acc-btn i::before,.acc-btn i::after{content:'';position:absolute;top:50%;left:50%;background:currentColor;transform:translate(-50%,-50%)}
.acc-btn i::before{width:12px;height:2px}
.acc-btn i::after{width:2px;height:12px}
.acc-item.open .acc-btn i{transform:rotate(45deg)}
/* consult + picker section */
.cp-sec{padding:4.5rem 0 4.5rem}
.cp{background:linear-gradient(120deg,#001f3f 0%,#0a3d66 60%,#00152b 100%);color:#fff;border-radius:20px;border-left:6px solid var(--gold);padding:2.8rem 2.8rem 2.6rem;position:relative;overflow:hidden;box-shadow:0 24px 60px rgba(0,31,63,.18)}
.cp::before{content:'';position:absolute;inset:0;background:radial-gradient(600px circle at 92% 8%,rgba(212,160,23,.22),transparent 60%);pointer-events:none}
.cp>*{position:relative;z-index:1}
.cp-head{max-width:780px;margin-bottom:2rem}
.cp-head .eyebrow{color:var(--gold);margin-bottom:.6rem}
.cp-head h2{font-size:clamp(1.8rem,3.4vw,2.5rem);letter-spacing:-.02em;line-height:1.1;margin-bottom:.6rem}
.cp-head p{color:var(--dim-on-dark);font-size:1rem}
.cp-grid{display:grid;grid-template-columns:1.25fr .95fr;gap:2rem;align-items:start}
.cp-qh{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;font-weight:700;font-size:1.02rem;margin-bottom:.9rem}
.cp-qh span{font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold)}
.cp .dg-opts{display:grid;grid-template-columns:1fr 1fr;gap:.6rem}
.cp .dg-opt{display:flex;align-items:center;gap:.7rem;text-align:left;background:rgba(255,255,255,.05);border:1.5px solid rgba(255,255,255,.18);border-radius:12px;padding:.85rem .95rem;font-size:.9rem;font-weight:600;color:#fff;cursor:pointer;transition:border-color .15s,background .15s,transform .15s;line-height:1.25}
.cp .dg-opt .rad{width:18px;height:18px;border-radius:50%;border:2px solid rgba(255,255,255,.55);flex-shrink:0;position:relative;transition:border-color .15s}
.cp .dg-opt .rad::after{content:'';position:absolute;inset:3px;border-radius:50%;background:var(--gold);transform:scale(0);transition:transform .18s cubic-bezier(.2,.8,.2,1)}
.cp .dg-opt:hover{border-color:var(--gold);background:rgba(212,160,23,.10);transform:translateY(-1px)}
.cp .dg-opt:hover .rad{border-color:var(--gold)}
.cp .dg-opt[aria-checked=true]{background:rgba(212,160,23,.16);border-color:var(--gold)}
.cp .dg-opt[aria-checked=true] .rad{border-color:var(--gold)}
.cp .dg-opt[aria-checked=true] .rad::after{transform:scale(1)}
.cp-right{background:#fff;color:var(--text-dark);border-radius:14px;padding:1.6rem;min-height:100%}
.cp-lbl{font-size:.7rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-text);margin-bottom:.4rem}
.cp-default h3{color:var(--navy);font-size:1.35rem;letter-spacing:-.01em;margin-bottom:.5rem}
.cp-default p{color:var(--text-light);font-size:.92rem;margin-bottom:1.2rem}
.cp-default .btn{width:100%;justify-content:center;margin-bottom:.7rem}
.cp-default .cb-tel,.cp-right .cb-tel{color:var(--gold-text);font-weight:700;font-size:.9rem}
.cp .dg-out{margin-top:0;border-top:0;padding-top:0}
.cp .dg-out.pop{animation:fade .35s ease}
.cp .dg-act{flex-direction:column}
.cp .dg-act .btn{width:100%;justify-content:center}
@media(max-width:900px){.cp{padding:1.8rem}.cp-grid{grid-template-columns:1fr}.cp .dg-opts{grid-template-columns:1fr}}

/* ---- concept 21 ---- */
.hdr-in.hdr-grid{display:grid;grid-template-columns:1fr auto 1fr;align-items:center}
.nav-center{margin-left:0;justify-content:center}
.hdr-right{display:flex;align-items:center;gap:1rem;justify-self:end}
@media(max-width:900px){.hdr-in.hdr-grid{grid-template-columns:auto 1fr}.hdr-right .phone{display:none}}
.num-head{margin-bottom:1.6rem}
.num-head h2{max-width:none}
.num-head p.lead{max-width:none}
.calc-split{display:grid;grid-template-columns:1fr 1.1fr;gap:2.2rem;align-items:start}
.calc-wide .calc-b{padding:1.6rem 1.8rem}
.calc-wide .fld{margin-bottom:1.15rem}
.calc-wide .gap{margin-top:0}
.calc-wide .chart{height:130px}
@media(max-width:900px){.calc-split{grid-template-columns:1fr}}
.panel.p-mini2{grid-template-columns:1fr;gap:1.4rem}
.p-mini2 .calc{box-shadow:none;border:1px solid var(--border-light)}
.p-mini2 .how{display:grid;grid-template-columns:1.4fr 1fr;gap:2rem;align-items:center;border-top:1px solid var(--border-light);padding-top:1.4rem}
.p-mini2 .how h3{color:var(--navy);font-size:1.15rem;margin-bottom:.4rem}
.p-mini2 .how p{color:var(--text-light);font-size:.93rem;margin-bottom:.5rem}
.p-mini2 .how-act{display:flex;flex-direction:column;gap:.6rem;align-items:stretch}
.p-mini2 .how-act .btn{justify-content:center}
@media(max-width:900px){.p-mini2 .how{grid-template-columns:1fr}}
#tools.sec-pad{padding-bottom:2rem}
#pricing.sec-pad{padding-top:1.5rem}

/* ---- concept 22 ---- */
.hdr.dark.scrolled{border-bottom-color:rgba(255,255,255,.35);box-shadow:0 1px 0 rgba(255,255,255,.08)}
.hdr.dark{transition:border-color .3s,box-shadow .3s}
/* compact calculator tab */
.calc-compact .calc-b{padding:1.1rem 1.4rem}
.calc-compact .fld{margin-bottom:.8rem}
.calc-compact .fld label{font-size:.8rem;margin-bottom:.3rem}
.calc-compact .gap{padding:.8rem 1rem;margin-bottom:.7rem}
.calc-compact .gap strong{font-size:1.7rem}
.metrics-4{grid-template-columns:repeat(4,1fr)}
.calc-compact .met{padding:.55rem .7rem}
.calc-compact .met strong{font-size:1rem}
.calc-compact .met span{font-size:.62rem}
.sync-note{font-size:.7rem;color:rgba(255,255,255,.6);text-transform:none;letter-spacing:0}
.p-mini3{min-height:0;padding:1.4rem;gap:1rem}
.p-mini3 .how-row{display:grid;grid-template-columns:1fr auto;gap:1.4rem;align-items:center;padding-top:1rem}
.p-mini3 .how-row p{font-size:.86rem;color:var(--text-light);margin:0}
.p-mini3 .how-row .how-act{flex-direction:row;gap:.5rem}
@media(max-width:900px){.p-mini3 .how-row{grid-template-columns:1fr}.metrics-4{grid-template-columns:1fr 1fr}}
/* compact checklist tab */
.panel.p-check2{display:none;grid-template-columns:1fr 220px;gap:1.6rem;padding:1.4rem;min-height:0}
.panel.p-check2.on{display:grid}
.cks-3{grid-template-columns:repeat(3,1fr);gap:.15rem .9rem}
.cks-3 .ck{padding:.38rem .45rem;font-size:.8rem;line-height:1.25}
.cks-3 .ck .part{font-size:.6rem}
.ck-side{display:flex;flex-direction:column;align-items:center;gap:.8rem;border-left:1px solid var(--border-light);padding-left:1.4rem}
.ring-sm{width:110px;height:110px;margin:0}
.ring-sm text{font-size:30px}
.summ-col{grid-column:auto;display:grid;grid-template-columns:1fr;gap:.4rem;border-top:0;padding-top:0;margin-top:0;width:100%}
.summ-col .met{padding:.45rem .7rem;display:flex;justify-content:space-between;align-items:baseline;gap:.6rem}
.summ-col .met strong{font-size:1rem}
.summ-col .met span{font-size:.62rem}
@media(max-width:900px){.panel.p-check2{grid-template-columns:1fr}.cks-3{grid-template-columns:1fr}.ck-side{border-left:0;padding-left:0;border-top:1px solid var(--border-light);padding-top:1rem}}
.panel.p-comp{min-height:0;padding:1.4rem}
.p-comp td,.p-comp th{padding:.55rem .5rem;font-size:.86rem}
/* audit CTA: less top buffer */
.cta{padding:3rem 0 5.5rem}

/* ---- concept 24 ---- */
.sv-foot{background:var(--off-white);border-top:1px solid var(--border-light);padding:1.6rem 0 1.8rem}
.sv-foot p{font-size:.86rem;color:var(--text-light);max-width:none;line-height:1.5}
.sv-foot strong{color:var(--navy);font-weight:700}
.win-plain{border:1px solid var(--border-light);box-shadow:0 12px 30px rgba(0,31,63,.06)}

/* ---- concept 25: mobile ---- */
.burger{display:none;width:44px;height:44px;border:0;background:transparent;cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px;justify-self:end;border-radius:8px}
.burger i{display:block;width:22px;height:2px;background:#fff;border-radius:2px;transition:transform .25s,opacity .2s}
.burger[aria-expanded=true] i:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded=true] i:nth-child(2){opacity:0}
.burger[aria-expanded=true] i:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mnav{display:none}
.pill.hide{transform:translate(-50%,140%)!important}
@media(max-width:900px){
  .hdr-in.hdr-grid{grid-template-columns:auto 1fr;padding:.6rem 1rem}
  .nav-desk,.hdr-right{display:none}
  .burger{display:flex}
  .mnav{display:block;background:var(--navy-deep);border-top:1px solid var(--line-on-dark);padding:.5rem 1rem 1.2rem}
  .mnav[hidden]{display:none}
  .mnav ul{list-style:none}
  .mnav li a{display:block;padding:.85rem 0;font-size:1.05rem;font-weight:600;color:#fff;border-bottom:1px solid var(--line-on-dark)}
  .mnav-phone{display:block;padding:.9rem 0;color:var(--gold);font-weight:700}
  .mnav .btn{width:100%;justify-content:center;margin-top:.4rem}
  body.mnav-open{overflow:hidden}
}
@media(max-width:640px){
  .wrap{padding:0 1.15rem}
  [id]{scroll-margin-top:70px}
  .sec-pad{padding:3rem 0}
  .sec-pad-sm{padding:2.4rem 0}
  .hero-center{padding:3.25rem 1.15rem 3.25rem!important}
  .hero-center h1{font-size:2.05rem}
  .hero-center p.lead{font-size:1.02rem;margin-bottom:1.6rem}
  .hero-actions{flex-direction:column;gap:.6rem}
  .hero-actions .btn{width:100%;justify-content:center}
  h2.sec{font-size:1.65rem}
  p.lead{font-size:1rem}
  .head-row{gap:1rem;margin-bottom:1.4rem}
  .head-row .btn{width:100%;justify-content:center}
  .num-head{margin-bottom:1rem}
  .calc-wide .calc-b{padding:1.1rem}
  .calc-split{gap:1.2rem}
  .calc-h{padding:.85rem 1.1rem;flex-direction:column;align-items:flex-start;gap:.15rem}
  .gap strong{font-size:1.7rem}
  .metrics{grid-template-columns:repeat(3,1fr);gap:.45rem}
  .met{padding:.5rem .45rem}.met strong{font-size:.9rem}.met span{font-size:.56rem;letter-spacing:.03em}
  #numbers p[style]{flex-direction:column}
  #numbers p[style] .btn{width:100%;justify-content:center}
  .lit{padding:1.4rem}
  .cp-sec{padding:2.5rem 0}
  .cp{padding:1.4rem 1.15rem;border-left-width:4px;border-radius:14px}
  .cp-head{margin-bottom:1.2rem}.cp-head p{font-size:.94rem}
  .cp .dg-opt{padding:.75rem .85rem;font-size:.88rem}
  .cp-right{padding:1.2rem}
  .box{padding:1.3rem}
  .tabs{display:grid;grid-template-columns:repeat(3,1fr);width:100%;gap:.2rem}
  .tab{padding:.5rem .25rem;font-size:.74rem;line-height:1.15;text-align:center;white-space:normal}
  .panel{padding:1rem}.panel.p-check2{padding:1rem;gap:1rem}
  .cks-3 .ck{font-size:.82rem;padding:.4rem .3rem}
  .ck-side{flex-direction:row;flex-wrap:wrap;justify-content:center;gap:.8rem 1.2rem}
  .summ-col{width:auto;flex:1;min-width:160px}
  .tbl{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:0 -1rem;padding:0 1rem}
  .tbl table{min-width:560px}
  .p-mini3{padding:1rem}
  .p-mini3 .how-row .how-act{flex-direction:column}
  .p-mini3 .how-row .btn{width:100%;justify-content:center}
  .tier{padding:1.3rem}
  .lform{padding:1.2rem}
  .acc-btn{font-size:1rem;padding:1.05rem 0}
  .cta{padding:2.4rem 0 4rem}
  .cta h2{font-size:1.8rem}
  .pill{left:1rem;right:1rem;transform:translate(0,140%);width:auto;justify-content:space-between;padding:.55rem .55rem .55rem 1rem;font-size:.82rem;white-space:normal}
  .pill.on{transform:translate(0,0)}
  .pill.hide{transform:translate(0,140%)!important}
  footer .ft{grid-template-columns:1fr 1fr;gap:1.4rem}
  footer .ft-about{grid-column:1/-1}
  .sv-foot p{font-size:.8rem}
  }
.only-mob{display:none}
@media(max-width:640px){.only-desk{display:none}.only-mob{display:inline}.pill .btn{min-height:40px}}
@media(max-width:400px){footer .ft{grid-template-columns:1fr}}

/* ---- concept 26: mobile only ---- */
@media(max-width:640px){
  /* stacking cards (overflow:clip keeps the decorative layers clipped without breaking position:sticky) */
  .lit-sec,#why.navy-block{overflow:clip}
  .stack-m{display:block;padding-bottom:0}
  .stack-m>.rv{opacity:1!important;transform:none;transition:none}
  .stack-m>*:last-child{margin-bottom:0}
  .stack-m>*{position:sticky;top:76px;margin-bottom:1rem;transform-origin:top center;will-change:transform}
  .stack-m>.lit,.stack-m>.lit:hover,.stack-m>.lit:focus-within{background:#0b2545!important;border-color:var(--line-on-dark)!important;box-shadow:0 -8px 30px rgba(0,0,0,.35)!important}
  .stack-m>.box,.stack-m>.box:hover{background:#0b2545!important;box-shadow:0 -8px 30px rgba(0,0,0,.35)!important}
  .stack-m>*:hover{transform:none}
  /* picker answer card */
  .cp .dg-out,.cp-right{scroll-margin-top:96px}
  /* compact calculator: two tiles per row */
  .calc-compact .metrics-4{grid-template-columns:1fr 1fr}
  /* comparison table: real horizontal scroll, sticky first column */
  .panel.p-comp>div{min-width:0}
  .tbl{max-width:100%;margin:0;padding:0;overflow-x:auto;overflow-y:hidden;-webkit-overflow-scrolling:touch;scroll-behavior:smooth;border:1px solid var(--border-light);border-radius:8px}
  .tbl table{min-width:640px;border-collapse:separate;border-spacing:0}
  .tbl th:first-child,.tbl td:first-child{position:sticky;left:0;z-index:2;background:#fff;box-shadow:2px 0 0 var(--border-light);min-width:128px}
  .tbl table.hl-1 td:first-child,.tbl table.hl-2 td:first-child,.tbl table.hl-3 td:first-child,.tbl table.hl-1 th:first-child,.tbl table.hl-2 th:first-child,.tbl table.hl-3 th:first-child{background:#fff}
  .tbl th,.tbl td{padding:.55rem .6rem;white-space:normal;min-width:150px}
  .ctog{display:flex;width:100%}
  .ctog button{flex:1;padding:.45rem .3rem;font-size:.76rem}
}

/* touch devices keep no hover state: a tapped card must never hold a translucent hover background */
@media(hover:none){
  .lit.lit2:hover{background:rgba(255,255,255,.03);border-color:var(--line-on-dark);transform:none;box-shadow:none}
  .on-dark .box:hover,.box:hover{transform:none;box-shadow:none}
  .cp .dg-opt:hover{transform:none}
  .cp .dg-opt:hover:not([aria-checked=true]){background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.18)}
  .cp .dg-opt:hover:not([aria-checked=true]) .rad{border-color:rgba(255,255,255,.55)}
  .tier:hover,.loc:hover,.svc a:hover{transform:none}
  .btn:hover{transform:none}
}

@media(max-width:640px){
  /* stacked cards: solid in every state, no highlight, explicit paint order */
  .stack-m>*,.stack-m>*:hover,.stack-m>*:active,.stack-m>*:focus,.stack-m>*:focus-within,.stack-m>.hl{background:#0b2545!important;background-color:#0b2545!important;opacity:1!important;border-color:rgba(255,255,255,.14)!important;box-shadow:0 -8px 30px rgba(0,0,0,.35)!important;-webkit-tap-highlight-color:transparent;isolation:isolate}
  .stack-m>*::before,.stack-m>*::after{display:none!important}
  .stack-m>*:nth-child(1){z-index:1}.stack-m>*:nth-child(2){z-index:2}.stack-m>*:nth-child(3){z-index:3}.stack-m>*:nth-child(4){z-index:4}.stack-m>*:nth-child(5){z-index:5}.stack-m>*:nth-child(6){z-index:6}
  .stack-m>* *{opacity:1!important}
  /* picker: no "Pick one" tag on phones */
  .cp-qh span{display:none}
}