/* Fairway Payday Loans Memphis — lead-gen house pattern */
:root{
  --navy:#0a2d5e;
  --navy-2:#124280;
  --navy-3:#061c3d;
  --green:#0e7a53;
  --green-2:#16a86e;
  --green-3:#7fe0b4;
  --green-soft:#e7f6ef;
  --paper:#fff;
  --bg:#f4f7fc;
  --bg-2:#e9eff8;
  --ink:#101c2e;
  --muted:#5a6879;
  --line:#dfe6f1;
  --ok:#0e7a53;
  --shadow-sm:0 2px 8px rgba(10,45,94,.06);
  --shadow-md:0 14px 34px rgba(10,45,94,.10);
  --shadow-lg:0 28px 68px rgba(10,45,94,.18);
  --r-sm:12px; --r-md:20px; --r-lg:26px;
  --max:1200px;
  --head:Outfit,"Segoe UI",Arial,sans-serif;
  --body:Inter,"Segoe UI",Arial,sans-serif;
  --ease:cubic-bezier(.22,.75,.3,1);
  --lg:88px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:#3d4a5c;font-family:var(--body);font-size:18px;line-height:1.68;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-2)}
h1,h2,h3,h4{font-family:var(--head);color:var(--ink);margin:0 0 .5em;line-height:1.2;letter-spacing:-.01em}
h1{font-size:clamp(2rem, 4.4vw, 3.2rem);font-weight:800}
h2{font-size:clamp(1.5rem, 1.2rem + 1.3vw, 2.25rem);font-weight:700}
h3{font-size:1.16rem;font-weight:700}
p{margin:0 0 1.1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
section{scroll-margin-top:96px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--head);font-weight:700;font-size:.97rem;padding:16px 28px;border-radius:999px;border:0;cursor:pointer;text-decoration:none;transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .25s var(--ease)}
.btn svg{width:18px;height:18px;fill:currentColor;flex:0 0 auto}
.btn-go{background:linear-gradient(135deg,var(--green-2),var(--green));color:#fff;box-shadow:0 12px 26px rgba(14,122,83,.32)}
.btn-go:hover{transform:translateY(-3px);box-shadow:0 18px 38px rgba(14,122,83,.40)}
.btn-ghost{background:rgba(255,255,255,.10);color:#fff;border:1.5px solid rgba(255,255,255,.42)}
.btn-ghost:hover{background:rgba(255,255,255,.20);transform:translateY(-3px)}
.btn-line{background:var(--paper);color:var(--navy);border:1.5px solid var(--line);box-shadow:var(--shadow-sm)}
.btn-line:hover{border-color:var(--green);color:var(--green);transform:translateY(-3px);box-shadow:var(--shadow-md)}
.btn-wide{width:100%}
.btn-sm{padding:12px 22px;font-size:.9rem}

/* ---------- header ---------- */
.hdr{position:sticky;top:0;z-index:900;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);transition:box-shadow .25s}
.hdr.stuck{box-shadow:0 8px 26px rgba(10,45,94,.10)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;padding-top:11px;padding-bottom:11px}
.brand{display:block;flex:0 0 auto;width:calc(var(--lg)*.856);height:calc(var(--lg)*.688);overflow:hidden}
.brand img{width:var(--lg);max-width:none;margin:calc(var(--lg)*-.130) calc(var(--lg)*-.0606) calc(var(--lg)*-.1826) calc(var(--lg)*-.0829)}
.nav{display:flex;align-items:center;gap:28px;margin-left:auto}
.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;padding:6px 0;border-bottom:2px solid transparent}
.nav a:hover{color:var(--green);border-bottom-color:var(--green)}
.hdr-cta{flex:0 0 auto}
.burger{display:none;width:44px;height:44px;border:1px solid var(--line);background:var(--paper);border-radius:11px;cursor:pointer;padding:0;place-items:center}
.burger span{display:block;width:19px;height:2px;background:var(--navy);border-radius:2px;position:relative}
.burger span::before,.burger span::after{content:"";position:absolute;left:0;width:19px;height:2px;background:var(--navy);border-radius:2px}
.burger span::before{top:-6px}.burger span::after{top:6px}
.mnav{display:none;border-top:1px solid var(--line);background:var(--paper)}
.mnav.open{display:block}
.mnav a{display:block;padding:13px 22px;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid var(--bg-2)}
.mnav .btn{margin:14px 22px 18px;width:calc(100% - 44px)}

/* ---------- hero ---------- */
.hero{position:relative;background:linear-gradient(150deg,var(--navy-3) 0%,var(--navy) 48%,var(--navy-2) 100%);color:#e8effa;overflow:hidden}
.hero::before,.hero::after{content:"";position:absolute;border-radius:50%;pointer-events:none}
.hero::before{width:640px;height:640px;top:-260px;right:-180px;background:radial-gradient(circle,rgba(22,168,110,.30),transparent 68%)}
.hero::after{width:520px;height:520px;bottom:-250px;left:-170px;background:radial-gradient(circle,rgba(74,146,234,.20),transparent 68%)}
.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:minmax(0,1.02fr) minmax(0,.98fr);gap:clamp(30px,4vw,58px);align-items:start;padding-top:clamp(44px,5vw,70px);padding-bottom:clamp(50px,6vw,84px)}
.hero-eyebrow{display:inline-flex;align-items:center;gap:9px;background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.24);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);padding:8px 17px;border-radius:999px;font-family:var(--head);font-size:.75rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;color:var(--green-3)}
.hero-eyebrow .dot{width:8px;height:8px;border-radius:50%;background:#5fd39a;box-shadow:0 0 0 4px rgba(95,211,154,.22)}
.hero h1{color:#fff;margin:20px 0 8px}
.hero h1 .grad{background:linear-gradient(100deg,#9ff0c8,var(--green-3) 55%,#d5fbe8);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.hero-lede{display:none}
.hero-sub{font-size:1.08rem;color:#c6d6ec;max-width:540px;margin-bottom:26px}
.hero-usps{display:grid;gap:13px;margin-bottom:26px}
.hero-usp{display:flex;align-items:flex-start;gap:13px}
.hero-usp i{flex:0 0 auto;width:31px;height:31px;border-radius:10px;background:linear-gradient(140deg,rgba(255,255,255,.20),rgba(255,255,255,.07));border:1px solid rgba(255,255,255,.20);display:grid;place-items:center}
.hero-usp i svg{width:16px;height:16px;fill:var(--green-3)}
.hero-usp span{font-size:.99rem;color:#dae5f5;padding-top:2px}
.hero-usp b{color:#fff}
.hero-actions{display:flex;flex-wrap:wrap;gap:13px;margin-bottom:24px}
.hero-trust{display:flex;flex-wrap:wrap;gap:9px}
.hero-trust b{display:inline-flex;align-items:center;gap:7px;font-family:var(--head);font-size:.79rem;font-weight:600;color:#cfdcf0;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);padding:7px 14px;border-radius:999px}
.hero-trust svg{width:13px;height:13px;fill:#5fd39a}

/* ---------- form card ---------- */
.fcard{background:var(--paper);border-radius:var(--r-lg);box-shadow:var(--shadow-lg);overflow:hidden;position:sticky;top:96px}
.fcard-head{background:linear-gradient(135deg,var(--navy-2),var(--navy-3));color:#fff;padding:22px 24px 20px;position:relative;overflow:hidden}
.fcard-head::after{content:"";position:absolute;width:230px;height:230px;border-radius:50%;top:-130px;right:-70px;background:radial-gradient(circle,rgba(22,168,110,.34),transparent 70%)}
.fcard-head .tag{position:relative;z-index:2;display:inline-flex;align-items:center;gap:7px;font-family:var(--head);font-size:.7rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--green-3);background:rgba(22,168,110,.18);border:1px solid rgba(127,224,180,.32);padding:5px 12px;border-radius:999px;margin-bottom:11px}
.fcard-head h2{position:relative;z-index:2;color:#fff;font-size:1.38rem;margin-bottom:5px}
.fcard-head p{position:relative;z-index:2;color:#bfd1e9;font-size:.9rem;margin:0}
.fcard-steps{display:flex;align-items:center;padding:15px 24px;background:var(--bg);border-bottom:1px solid var(--line)}
.fstep{flex:1 1 0;min-width:0;display:flex;align-items:center;gap:9px}
.fstep u{flex:0 0 auto;width:25px;height:25px;border-radius:50%;background:linear-gradient(140deg,var(--green-2),var(--green));color:#fff;font-family:var(--head);font-size:.76rem;font-weight:700;display:grid;place-items:center;text-decoration:none}
.fstep span{font-family:var(--head);font-size:.79rem;font-weight:600;color:var(--navy);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.fstep-line{flex:0 0 14px;height:2px;background:var(--line);border-radius:2px}
.fcard-body{padding:10px 14px 4px;min-height:300px}
.fcard-body #rsForm{max-width:100%}
.fskel{padding:16px 10px 10px}
.fskel div{height:15px;border-radius:7px;background:linear-gradient(90deg,#eef2f8 25%,#e2e9f4 37%,#eef2f8 63%);background-size:400% 100%;animation:shim 1.4s ease infinite;margin-bottom:14px}
.fskel div:nth-child(1){width:52%}
.fskel div:nth-child(2){height:44px}
.fskel div:nth-child(3){width:38%}
.fskel div:nth-child(4){height:44px}
.fskel div:nth-child(5){height:46px;width:64%;border-radius:999px}
@keyframes shim{0%{background-position:100% 50%}100%{background-position:0 50%}}
.fcard-foot{display:flex;flex-wrap:wrap;gap:8px 16px;justify-content:center;padding:14px 20px 12px;border-top:1px solid var(--line);background:var(--bg)}
.fcard-foot b{display:inline-flex;align-items:center;gap:6px;font-family:var(--head);font-size:.76rem;font-weight:600;color:var(--muted)}
.fcard-foot svg{width:13px;height:13px;fill:var(--ok)}
.fcard-note{margin:0;padding:0 20px 16px;background:var(--bg);font-size:.76rem;line-height:1.55;color:var(--muted);text-align:center}

/* ---------- trust strip ---------- */
.strip{background:var(--paper);border-bottom:1px solid var(--line)}
.strip .wrap{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:22px;padding-top:26px;padding-bottom:26px}
.strip-i{display:flex;gap:12px;min-width:0}
.strip-i i{flex:0 0 auto;width:34px;height:34px;border-radius:10px;background:var(--green-soft);display:grid;place-items:center}
.strip-i i svg{width:17px;height:17px;fill:var(--green)}
.strip-i b{display:block;font-family:var(--head);font-size:.95rem;color:var(--ink);margin-bottom:1px}
.strip-i span{font-size:.86rem;color:var(--muted);line-height:1.5}

/* ---------- sections ---------- */
.sec{padding:70px 0}
.sec-white{background:var(--paper)}
.sec-head{max-width:74ch;margin-bottom:34px}
.sec-head p{color:var(--muted);margin-bottom:0}
.col{max-width:880px}
.eyebrow-s{display:inline-block;font-family:var(--head);font-size:.74rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--green);background:var(--green-soft);padding:6px 14px;border-radius:999px;margin-bottom:14px}

.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.step{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);padding:28px 24px;box-shadow:var(--shadow-sm);min-width:0}
.sec-white .step{background:var(--bg)}
.step-num{display:inline-flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:12px;margin-bottom:16px;background:linear-gradient(140deg,var(--green-2),var(--green));color:#fff;font-family:var(--head);font-weight:800;font-size:1.1rem}
.step h3{margin-bottom:.4em}
.step p{margin-bottom:0;font-size:1rem}

.features{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;list-style:none;padding:0;margin:0}
.features li{display:flex;gap:14px;margin:0;min-width:0;background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:20px}
.sec-white .features li{background:var(--bg)}
.features .ico{flex:0 0 auto;width:26px;height:26px;color:var(--green);margin-top:2px}
.features strong{display:block;color:var(--ink);font-family:var(--head);font-size:1.02rem;margin-bottom:2px}
.features span{font-size:.98rem}
.features li:last-child:nth-child(odd){grid-column:1/-1}

.considers{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));list-style:none;padding:0;margin:0;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden}
.considers li{margin:0;padding:22px 24px;border-bottom:1px solid var(--bg-2);border-right:1px solid var(--bg-2);min-width:0}
.considers li:nth-child(2n){border-right:0}
.considers li:nth-last-child(-n+2){border-bottom:0}
.considers strong{display:block;color:var(--ink);font-family:var(--head);margin-bottom:3px}
.considers span{font-size:.98rem;color:var(--muted)}

.inline-cta{margin-top:6px}

/* faq */
.faq-list{border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;background:var(--paper)}
.sec-white .faq-list{background:var(--bg)}
.faq-item{border-bottom:1px solid var(--bg-2)}
.faq-item:last-child{border-bottom:0}
.faq-item summary{list-style:none;cursor:pointer;padding:22px 56px 22px 24px;position:relative;font-family:var(--head);font-weight:600;font-size:1.05rem;color:var(--ink)}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"";position:absolute;right:24px;top:50%;width:11px;height:11px;border-right:2px solid var(--green);border-bottom:2px solid var(--green);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq-item[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq-item summary:hover{color:var(--green)}
.faq-item .answer{padding:0 24px 24px;font-size:1rem;max-width:82ch}
.faq-item .answer p:last-child{margin-bottom:0}

/* entity + map */
.entity{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:36px;align-items:stretch}
.nap{font-style:normal;background:var(--paper);border:1px solid var(--line);border-left:4px solid var(--green);border-radius:14px;padding:22px 24px;margin:0 0 20px;font-size:1.05rem;line-height:1.6;color:var(--ink)}
.sec-white .nap{background:var(--bg)}
.nap .nap-name{display:block;font-family:var(--head);font-weight:700;font-size:1.12rem;margin-bottom:6px}
.map-frame{position:relative;width:100%;min-height:400px;height:100%;border-radius:var(--r-md);overflow:hidden;border:1px solid var(--line);background:var(--bg-2)}
.map-frame iframe{position:absolute;inset:0;width:100%;height:100%;border:0}

/* cta band */
.cta{background:linear-gradient(150deg,var(--navy-3),var(--navy) 55%,var(--navy-2));color:#cfdcf0;text-align:center;padding:66px 0}
.cta h2{color:#fff}
.cta p{max-width:56ch;margin:0 auto 26px;font-size:1.06rem}

/* why-choose cards */
.cards3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);padding:26px 24px;box-shadow:var(--shadow-sm);min-width:0;transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.sec-white .card{background:var(--bg)}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md)}
.card i{display:grid;place-items:center;width:44px;height:44px;border-radius:13px;margin-bottom:15px;background:linear-gradient(140deg,var(--green-2),var(--green))}
.card i svg{width:21px;height:21px;fill:#fff}
.card h3{margin-bottom:.35em}
.card p{margin-bottom:0;font-size:.99rem}

/* guidance list */
.adv{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;list-style:none;padding:0;margin:0 0 26px}
.adv li{margin:0;min-width:0;background:var(--paper);border:1px solid var(--line);border-radius:var(--r-md);padding:24px;position:relative;padding-left:70px}
.sec-white .adv li{background:var(--bg)}
.adv li::before{content:counter(advc);counter-increment:advc;position:absolute;left:24px;top:24px;width:32px;height:32px;border-radius:50%;background:var(--green-soft);color:var(--green);font-family:var(--head);font-weight:800;font-size:.92rem;display:grid;place-items:center}
.adv{counter-reset:advc}
.adv strong{display:block;font-family:var(--head);font-size:1.05rem;color:var(--ink);margin-bottom:3px}
.adv span{font-size:.99rem}
.adv-close{font-size:1.02rem;color:var(--muted);margin:0}
.note-lead{background:var(--bg-2);border-left:4px solid var(--green);border-radius:10px;padding:16px 20px;font-size:1rem;color:var(--ink);margin:0 0 26px}

/* footer */
.ftr{background:var(--navy-3);color:#a7bcd8;padding:48px 0 32px;font-size:.96rem}
.ftr-top{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);gap:32px;margin-bottom:30px}
.foot-brand{display:block;width:calc(var(--lg)*.856);height:calc(var(--lg)*.688);overflow:hidden;background:#fff;border-radius:10px;margin-bottom:16px}
.foot-brand img{width:var(--lg);max-width:none;margin:calc(var(--lg)*-.130) calc(var(--lg)*-.0606) calc(var(--lg)*-.1826) calc(var(--lg)*-.0829)}
.ftr h4{color:#fff;font-size:.85rem;letter-spacing:.09em;text-transform:uppercase;margin-bottom:14px}
.ftr ul{list-style:none;padding:0;margin:0}
.ftr li{margin-bottom:9px}
.ftr a{color:#c3d5ec;text-decoration:none}
.ftr a:hover{color:#fff;text-decoration:underline}
.ftr address{font-style:normal;line-height:1.6}
.ftr-nap{display:grid;gap:9px;font-size:.92rem}
.ftr-blurb{margin-top:12px;line-height:1.6;max-width:46ch;font-size:.86rem;color:#9fb6d4}
.ftr-nap div{display:flex;gap:9px;align-items:flex-start}
.ftr-nap svg{flex:0 0 auto;width:15px;height:15px;fill:#7fe0b4;margin-top:5px}
.ftr-disc{border-top:1px solid rgba(255,255,255,.11);padding:26px 0 4px;font-size:.78rem;line-height:1.65;color:#7e97b8;display:grid;gap:10px}
.ftr-disc p{margin:0}
.ftr-disc strong{color:#c3d5ec;font-family:var(--head);font-size:.85rem}
.ftr-bot{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;display:flex;flex-wrap:wrap;gap:12px 26px;justify-content:space-between;font-size:.87rem;color:#8fa7c6}
.ftr-bot p{margin:0}

/* sticky mobile bar */
.mbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:950;background:rgba(255,255,255,.97);-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);border-top:1px solid var(--line);padding:10px 14px calc(10px + env(safe-area-inset-bottom));box-shadow:0 -8px 26px rgba(10,45,94,.12)}
.mbar .btn{width:100%;padding:14px 12px;font-size:.94rem}

/* modal */
.fmodal{display:none;position:fixed;inset:0;z-index:2000;background:rgba(6,28,64,.78);-webkit-backdrop-filter:blur(5px);backdrop-filter:blur(5px);padding:20px;overflow-y:auto}
.fmodal.is-open{display:flex;align-items:flex-start;justify-content:center}
.fmodal-box{background:var(--paper);border-radius:var(--r-md);box-shadow:0 30px 80px rgba(0,0,0,.45);width:100%;max-width:580px;margin:auto;overflow:hidden;animation:mIn .28s var(--ease)}
@keyframes mIn{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
.fmodal-head{display:flex;align-items:flex-start;justify-content:space-between;gap:15px;padding:22px 24px 18px;background:linear-gradient(135deg,var(--navy-2),var(--navy-3));color:#fff}
.fmodal-head h3{color:#fff;font-size:1.24rem;margin-bottom:4px}
.fmodal-head p{color:#bfd1e9;font-size:.87rem;margin:0}
.fmodal-close{flex:0 0 auto;width:36px;height:36px;border:0;background:rgba(255,255,255,.14);color:#fff;border-radius:50%;font-size:1.4rem;line-height:1;cursor:pointer;transition:background .2s}
.fmodal-close:hover{background:rgba(255,255,255,.3)}
.fmodal-body{padding:8px 12px 12px}
.fmodal-frame{width:100%;height:540px;border:0;display:block;transition:height .2s ease}
.fmodal-foot{padding:12px 18px 15px;border-top:1px solid var(--line);background:var(--bg);font-size:.76rem;line-height:1.55;color:var(--muted);text-align:center}

/* legal pages */
.legal-hero{background:linear-gradient(150deg,var(--navy-3),var(--navy) 55%,var(--navy-2));color:#d7e4f3;padding:52px 0 46px}
.legal-hero h1{color:#fff;font-size:clamp(1.9rem,1.5rem + 1.6vw,2.7rem);margin-bottom:.3em}
.legal-hero p{margin:0;color:#b9cee8}
.legal-body{padding:52px 0 64px}
.legal-body .paper{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:40px 40px 34px;box-shadow:var(--shadow-sm);max-width:900px}
.legal-body h2{font-size:1.3rem;margin:2em 0 .5em;padding-top:1.1em;border-top:1px solid var(--bg-2)}
.legal-body h2:first-of-type{margin-top:.4em;padding-top:0;border-top:0}
.legal-body p,.legal-body li{font-size:1rem}
.legal-body .updated{display:inline-block;background:var(--green-soft);color:var(--green);font-weight:600;font-size:.88rem;padding:6px 14px;border-radius:999px;margin-bottom:18px}
.legal-body .addr{font-style:normal;background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:18px 20px;line-height:1.6;color:var(--ink)}
.legal-hero .col,.legal-body .col{max-width:900px}

/* ---------- responsive ---------- */
@media (max-width:1080px){
  .hero .wrap{grid-template-columns:1fr}
  .hero-copy{display:contents}
  .hero-top{order:1}
  .fcard{order:2;position:static;max-width:620px;width:100%}
  .hero-rest{order:3}
  .hero-lede{display:block;font-size:1rem;line-height:1.5;color:#c6d6ec;margin:0}
  .hero-sub{display:none}
  .strip .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}
  .entity{grid-template-columns:1fr}
  .map-frame{min-height:320px}
}
@media (max-width:900px){
  .nav{display:none}
  .burger{display:grid}
  .hdr-cta{display:none}
  .steps{grid-template-columns:1fr}
  .cards3{grid-template-columns:repeat(2,minmax(0,1fr))}
  .adv{grid-template-columns:1fr}
  .features{grid-template-columns:1fr}
  .considers{grid-template-columns:1fr}
  .considers li{border-right:0}
  .considers li:nth-last-child(-n+2){border-bottom:1px solid var(--bg-2)}
  .considers li:last-child{border-bottom:0}
  .ftr-top{grid-template-columns:1fr 1fr}
  .ftr-top>div:first-child{grid-column:1/-1}
}
@media (max-width:760px){
  body{font-size:17px}
  :root{--lg:74px}
  .hero .wrap{gap:16px;padding-top:14px;padding-bottom:34px}
  .hero-eyebrow{padding:5px 13px;font-size:.66rem}
  .hero h1{font-size:clamp(1.55rem,6.6vw,2.05rem);margin:10px 0 6px}
  .hero-usps{margin-bottom:20px}
  .hero-actions .btn{width:100%}
  .fcard{border-radius:20px}
  .fcard-head{padding:13px 16px;display:flex;flex-direction:row-reverse;align-items:center;justify-content:space-between;gap:10px}
  .fcard-head .tag{margin-bottom:0;padding:4px 9px;font-size:.6rem;white-space:nowrap}
  .fcard-head h2{font-size:1.02rem;margin-bottom:0}
  .fcard-head p{display:none}
  .fcard-steps{padding:10px 16px}
  .fstep u{width:22px;height:22px;font-size:.7rem}
  .fstep span{display:none}
  .fstep{flex:0 0 auto}
  .fstep-line{flex:1 1 auto}
  .fcard-body{padding:6px 10px 2px;min-height:240px}
  .fskel{padding:10px 6px 6px}
  .sec{padding:48px 0}
  .cta{padding:50px 0}
  .cards3{grid-template-columns:1fr}
  .legal-body .paper{padding:26px 20px 24px}
  .mbar{display:block}
  body.has-bar{padding-bottom:86px}
  .ftr-top{grid-template-columns:1fr}
  .fmodal{padding:10px}
}
@media (max-width:400px){
  .wrap{padding:0 16px}
  .fcard-head{padding:12px 14px}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}

/* =================================================================
   2026-09-20 modern refresh - hero stats, why-cards, step rail,
   partner grid, about panel, CTA bullets, scroll reveal
   ================================================================= */

/* scroll reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s var(--ease),transform .6s var(--ease)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}}

/* hero refinements */
.hero{background:linear-gradient(155deg,#04152f 0%,var(--navy-3) 32%,var(--navy) 68%,var(--navy-2) 100%)}
.hero .wrap::before{content:"";position:absolute;top:0;bottom:0;left:50%;width:100vw;
  transform:translateX(-50%);z-index:-1;pointer-events:none;
  background-image:radial-gradient(rgba(255,255,255,.075) 1px,transparent 1px);
  background-size:26px 26px;mask-image:linear-gradient(180deg,#000,transparent 72%);
  -webkit-mask-image:linear-gradient(180deg,#000,transparent 72%)}
.hero h1{margin:18px 0 10px;letter-spacing:-.025em}
.hero-tag{font-family:var(--head);font-size:clamp(1.02rem,.94rem + .42vw,1.28rem);font-weight:600;
  line-height:1.38;color:var(--green-3);margin:0 0 14px;max-width:24ch}
.hero-sub{margin-bottom:22px}

.hero-stats{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 24px}
.hstat{flex:1 1 140px;min-width:0;background:rgba(255,255,255,.075);
  border:1px solid rgba(255,255,255,.17);border-radius:16px;padding:13px 16px;
  -webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px)}
.hstat b{display:block;font-family:var(--head);font-weight:800;font-size:1.16rem;color:#fff;letter-spacing:-.015em;line-height:1.2}
.hstat span{display:block;font-size:.76rem;letter-spacing:.07em;text-transform:uppercase;color:#9fbada;margin-top:3px}

.fcard-note{font-size:.79rem;color:var(--muted);padding-bottom:17px}
.fcard-note b{color:var(--ink)}
.fmodal-foot b{color:var(--ink)}

/* centred section heads */
.sec-head-c{margin-left:auto;margin-right:auto;text-align:center;max-width:62ch}
.sec-head-c p{margin-left:auto;margin-right:auto;max-width:56ch}
.inline-cta-c{margin-top:34px;text-align:center}

/* why-choose cards, lighter and more modern */
.card{border-radius:22px;padding:28px 26px;position:relative;overflow:hidden;
  border:1px solid var(--line);box-shadow:0 1px 2px rgba(10,45,94,.04)}
.card::before{content:"";position:absolute;left:0;right:0;top:0;height:3px;
  background:linear-gradient(90deg,var(--green-2),var(--navy-2));transform:scaleX(0);transform-origin:left;
  transition:transform .35s var(--ease)}
.card:hover::before{transform:scaleX(1)}
.card:hover{transform:translateY(-5px);box-shadow:0 20px 44px rgba(10,45,94,.11);border-color:#cfe0f2}
.card i{width:46px;height:46px;border-radius:14px;background:var(--green-soft);
  border:1px solid #cdeadd;box-shadow:none;margin-bottom:17px}
.card i svg{width:22px;height:22px;fill:var(--green)}
.card h3{font-size:1.1rem;letter-spacing:-.01em}
.card p{color:var(--muted)}

/* step rail */
.steps{position:relative;gap:26px}
.steps::before{content:"";position:absolute;left:8%;right:8%;top:56px;height:2px;
  background:repeating-linear-gradient(90deg,#cdd9ea 0 9px,transparent 9px 18px);z-index:0}
.step{position:relative;z-index:1;border-radius:22px;padding:30px 26px;text-align:center;
  box-shadow:0 1px 2px rgba(10,45,94,.04);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.step:hover{transform:translateY(-5px);box-shadow:0 20px 44px rgba(10,45,94,.11)}
.step-num{width:52px;height:52px;border-radius:50%;font-size:1.22rem;margin:0 auto 18px;
  box-shadow:0 0 0 7px rgba(22,168,110,.10)}
.step h3{font-size:1.1rem}
.step p{color:var(--muted)}
@media (max-width:900px){.steps::before{display:none}}

/* partner */
.partner{display:grid;grid-template-columns:minmax(0,.92fr) minmax(0,1.08fr);gap:clamp(28px,4vw,56px);align-items:start}
.partner-copy p{color:var(--muted);font-size:1.04rem}
.partner-copy .inline-cta{margin-top:22px}
.pcards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;list-style:none;padding:0;margin:0}
.pcards li{margin:0;min-width:0;background:var(--paper);border:1px solid var(--line);
  border-radius:18px;padding:22px 22px 22px 24px;position:relative;overflow:hidden;
  box-shadow:0 1px 2px rgba(10,45,94,.04);transition:transform .25s var(--ease),box-shadow .25s var(--ease)}
.pcards li::before{content:"";position:absolute;left:0;top:18px;bottom:18px;width:3px;border-radius:0 3px 3px 0;
  background:linear-gradient(180deg,var(--green-2),var(--navy-2))}
.pcards li:hover{transform:translateY(-4px);box-shadow:0 18px 40px rgba(10,45,94,.10)}
.pcards strong{display:block;font-family:var(--head);font-size:1.03rem;color:var(--ink);margin-bottom:5px}
.pcards span{font-size:.97rem;color:var(--muted);line-height:1.6}
@media (max-width:1080px){.hero-tag{display:none}}
@media (max-width:1000px){.partner{grid-template-columns:1fr}}
@media (max-width:640px){.pcards{grid-template-columns:1fr}}

/* about */
.about{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,.65fr);gap:clamp(28px,4vw,52px);align-items:start}
.about-copy p{color:var(--muted);font-size:1.04rem}
.about-panel{background:linear-gradient(160deg,var(--navy-3),var(--navy) 72%);color:#cfdcf0;
  border-radius:24px;padding:28px 26px;box-shadow:var(--shadow-md);position:sticky;top:120px}
.about-panel h3{color:#fff;font-size:.8rem;letter-spacing:.13em;text-transform:uppercase;margin-bottom:16px}
.about-panel ul{list-style:none;padding:0;margin:0 0 22px}
.about-panel li{padding:13px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.about-panel li:last-child{border-bottom:0}
.about-panel b{display:block;font-family:var(--head);font-weight:700;font-size:1.06rem;color:#fff;letter-spacing:-.01em}
.about-panel span{display:block;font-size:.82rem;color:#9fbada;margin-top:2px}
@media (max-width:980px){.about{grid-template-columns:1fr}.about-panel{position:static;max-width:520px}}

/* cta bullets */
.cta-list{list-style:none;padding:0;margin:0 auto 28px;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 14px;max-width:470px}
.cta-list li{display:inline-flex;align-items:center;gap:8px;font-family:var(--head);font-weight:600;
  font-size:.88rem;color:#dbe7f7;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.17);
  padding:9px 16px;border-radius:999px}
.cta-list li::before{content:"";flex:0 0 auto;width:15px;height:15px;border-radius:50%;
  background:var(--green-2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%23fff'%3E%3Cpath d='M9 16.2L4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/10px 10px no-repeat}
.cta p{margin-bottom:22px}

/* footer polish */
.ftr-disc{font-size:.72rem;color:#758dad;padding-top:28px}
.ftr-disc strong{font-size:.8rem}

@media (max-width:760px){
  .hero-stats{gap:8px;margin-bottom:20px}
  .hstat{flex:1 1 calc(33.333% - 6px);padding:10px 12px;border-radius:13px}
  .hstat b{font-size:.98rem}
  .hstat span{font-size:.66rem;letter-spacing:.05em}
  .inline-cta-c{margin-top:26px}
  .inline-cta-c .btn,.about-panel .btn{width:100%}
  .card,.step{padding:24px 20px;border-radius:18px}
  .cta-list{gap:8px}
  .cta-list li{font-size:.8rem;padding:8px 13px}
}

/* 2026-09-20b - trust strip trimmed to a scannable row */
.strip .wrap{padding-top:22px;padding-bottom:22px;gap:18px}
.strip-i{align-items:center}
.strip-i i{width:38px;height:38px;border-radius:12px}
.strip-i b{font-size:1rem;margin-bottom:0;letter-spacing:-.01em}
.strip-i span{font-size:.84rem;color:var(--muted);line-height:1.45}
@media (max-width:760px){
  .strip .wrap{gap:14px;padding-top:18px;padding-bottom:18px}
  .strip-i i{width:32px;height:32px;border-radius:10px}
  .strip-i i svg{width:15px;height:15px}
  .strip-i b{font-size:.92rem}
  .strip-i span{font-size:.78rem}
}

/* 2026-09-20d - CTA buttons orange, matched to the form's STYLE5 buttons.
   Brand green stays on accents (eyebrows, icon tiles, checks, step numbers)
   so orange is the ONLY action colour on the page. */
.btn-go{background:linear-gradient(135deg,#ffa01d,#ef6c00);box-shadow:0 12px 26px rgba(239,108,0,.34)}
.btn-go:hover{background:linear-gradient(135deg,#ffab36,#e2620a);box-shadow:0 18px 38px rgba(239,108,0,.44)}
.btn-go:focus-visible{outline:3px solid #ffd7a3;outline-offset:2px}


/* ---- 2026-09-20e: FAQ replaces the About/map section; map moves to the footer ---- */
.faq-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 48px}
.faqs{border-top:1px solid var(--line)}
.faq{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;align-items:flex-start;gap:14px;padding:18px 0;font-family:var(--head);font-weight:700;font-size:1.04rem;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary i{margin-left:auto;flex:none;width:22px;height:22px;position:relative;margin-top:2px}
.faq summary i::before,.faq summary i::after{content:"";position:absolute;background:var(--green);left:50%;top:50%;transform:translate(-50%,-50%)}
.faq summary i::before{width:14px;height:2px}
.faq summary i::after{width:2px;height:14px;transition:transform .18s ease}
.faq[open] summary i::after{transform:translate(-50%,-50%) scaleY(0)}
.faq p{padding:0 40px 20px 0;color:var(--muted);font-size:.96rem;margin-top:-4px}
.ftr-map{margin-top:18px;border-radius:14px;overflow:hidden;background:#0b2436;max-width:360px}
.ftr-map iframe{display:block;width:100%;height:190px!important;min-height:0!important;border:0;filter:grayscale(.15)}
.ftr-maplink{display:inline-block;margin-top:12px;font-weight:600;color:var(--green-l,#5fd3a4)}
.ftr-maplink:hover{text-decoration:underline}
@media (max-width:900px){.faq-grid{grid-template-columns:minmax(0,1fr);gap:0}}

/* 2026-09-24b — Our Team of Financial Advisors (navy band) */
.fa-band{background:linear-gradient(150deg,var(--navy-3),var(--navy) 55%,var(--navy-2));color:#c9d6ea;position:relative;overflow:hidden}
.fa-band h2,.fa-band h3{color:#fff}
.fa-band .eyebrow-s{background:rgba(127,224,180,.14);color:var(--green-3)}
.fa-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);gap:56px;align-items:center}
.fa-intro{min-width:0}
.fa-intro p{color:#c9d6ea;max-width:52ch}
.fa-checks{list-style:none;margin:0 0 26px;padding:0;display:grid;gap:10px}
.fa-checks li{position:relative;padding-left:32px;color:#fff;font-weight:600;font-size:1rem}
.fa-checks li::before{content:"";position:absolute;left:0;top:4px;width:20px;height:20px;border-radius:50%;background:var(--green-2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23fff' d='M9 16.2L4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/%3E%3C/svg%3E") center/14px no-repeat}
.fa-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;min-width:0}
.fa-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r-md);padding:24px 22px;min-width:0;transition:transform .25s var(--ease),background .25s var(--ease)}
.fa-card:hover{transform:translateY(-3px);background:rgba(255,255,255,.09)}
.fa-card i{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:12px;background:rgba(127,224,180,.14);margin-bottom:14px}
.fa-card i svg{width:22px;height:22px;fill:var(--green-3)}
.fa-card h3{font-size:1.06rem;margin-bottom:6px}
.fa-card p{margin:0;font-size:.95rem;line-height:1.55;color:#b7c6de}
@media (max-width:980px){
  .fa-grid{grid-template-columns:minmax(0,1fr);gap:32px}
}
@media (max-width:640px){
  .fa-cards{grid-template-columns:minmax(0,1fr)}
  .fa-intro .btn{width:100%}
}