/* Theós Financial — palette B "Navy and sky" */
:root{
  --navy:#0f2238; --navy2:#0a1829; --navy3:#16304d; --blue:#2f7fd1; --blue2:#1f66b0; --sky:#9dc6ea; --amber:#ffb347; --amber2:#f29a1f;
  --paper:#f5f8fb; --paper2:#eaf0f6; --line:#dde5ee; --fg:#17243a; --muted:#56657a; --white:#fff;
  --font-d:"Montserrat","Avenir Next","Segoe UI",system-ui,sans-serif;
  --font-b:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
  --radius:12px; --hdr:76px;
  color-scheme:light;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--fg);font:16px/1.65 var(--font-b);-webkit-font-smoothing:antialiased}
img{max-width:100%}
a{color:var(--blue2)}
.wrap{max-width:1120px;margin:0 auto;padding-inline:20px}
h1,h2,h3,h4{font-family:var(--font-d);font-weight:700;letter-spacing:-.01em;text-wrap:balance;margin:0;color:var(--navy)}
.skip{position:absolute;left:-999px;top:0;background:var(--amber);color:var(--navy);padding:10px 14px;z-index:100}
.skip:focus{left:12px;top:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:600 15px/1 var(--font-b);padding:14px 22px;border-radius:999px;border:1.5px solid transparent;text-decoration:none;white-space:nowrap;transition:.15s;cursor:pointer}
.btn--primary{background:var(--navy);color:#fff}.btn--primary:hover{background:var(--navy3)}
.btn--amber{background:var(--amber);color:var(--navy)}.btn--amber:hover{background:var(--amber2)}
.btn--ghost{background:transparent;color:var(--navy);border-color:rgba(15,34,56,.35)}.btn--ghost:hover{border-color:var(--navy)}
.eyebrow{display:block;font:600 11px/1 var(--font-d);letter-spacing:.2em;text-transform:uppercase;color:var(--blue)}
/* header */
.hdr{position:sticky;top:0;z-index:40;height:var(--hdr);background:rgba(255,255,255,.9);backdrop-filter:blur(10px) saturate(140%);border-bottom:1px solid var(--line)}
.hdr .in{height:100%;display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:inline-flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.brand .logo{display:block;height:60px;width:auto}
@media(max-width:980px){.brand .logo{height:44px}}
.wordmark{font:600 16px/1 var(--font-d);letter-spacing:.14em;text-transform:uppercase;color:var(--navy);white-space:nowrap}
.wordmark b{font-weight:800}
.nav{display:flex;align-items:center;gap:6px}
.grp{position:relative}
.grp-btn{display:inline-flex;align-items:center;gap:6px;background:none;border:0;font:500 14.5px/1 var(--font-b);color:var(--fg);padding:10px 12px;border-radius:8px;cursor:pointer}
.grp-btn:hover,.grp.open .grp-btn{background:var(--paper2);color:var(--navy)}
.dd{display:none;position:absolute;left:0;top:calc(100% + 6px);min-width:240px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(15,34,56,.14);padding:8px;z-index:50;max-height:calc(100vh - 100px);overflow:auto}
.grp:hover .dd,.grp.open .dd,.grp:focus-within .dd{display:block}
.dd a{display:block;padding:9px 12px;border-radius:8px;color:var(--fg);text-decoration:none;font-size:14px}
.dd--wide{min-width:520px;column-count:2;column-gap:8px}.dd--wide a{break-inside:avoid}
@media(max-width:980px){.dd--wide{min-width:0;column-count:1}}
.dd a:hover{background:var(--paper);color:var(--navy)}
.nav-cta{display:flex;align-items:center;gap:12px;margin-left:12px}
.nav-cta .tel{color:var(--navy);text-decoration:none;font-size:14.5px;font-weight:600}
.nav-cta .btn{padding:11px 16px;font-size:14px}
.burger{display:none;width:44px;height:44px;border:0;background:none;padding:10px;cursor:pointer;flex-direction:column;justify-content:center;gap:5px}
.burger span{display:block;height:2px;background:var(--navy);border-radius:2px}
@media(max-width:980px){
  .burger{display:flex}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;height:calc(100vh - var(--hdr));height:calc(100svh - var(--hdr));background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:12px 20px 40px;overflow:auto;z-index:45;border-top:1px solid var(--line)}
  body.nav-open .nav{display:flex}
  .grp-btn{width:100%;justify-content:space-between;font-size:16px;padding:14px 4px;border-bottom:1px solid var(--line);border-radius:0}
  .dd{position:static;display:block;box-shadow:none;border:0;padding:4px 0 10px;min-width:0}
  .grp .dd{display:none}.grp.open .dd{display:block}
  .nav-cta{margin:16px 0 0;flex-direction:column;align-items:stretch}
  .nav-cta .btn{padding:14px}
  .wordmark{font-size:14px}
}
/* story (home) */
.story{position:relative;background:var(--navy)}
.story__stage{position:relative;background:#27407a}
.scene{position:absolute;inset:0;z-index:0;overflow:hidden;pointer-events:none}
.scene-svg{width:100%;height:100%;display:block}
#an-scene.ready .lyr,#an-scene.ready #an-sun,#an-scene.ready #an-clouds,#an-scene.ready #an-birds,#an-scene.ready #an-car{transition:transform .9s cubic-bezier(.4,0,.2,1)}
#an-scene:not(.ready) #an-car{visibility:hidden}
#an-scene .win,#an-scene .lamp{opacity:var(--lit)}
#an-scene .ov{opacity:0;transform-box:fill-box;transform-origin:50% 100%;transform:translateY(16px) scale(.72);transition:opacity .5s,transform .7s cubic-bezier(.34,1.56,.64,1)}
#an-scene .ov.on{transform:none}
#an-dusk,#an-stars{transition:opacity .9s}
.story__page{position:relative;z-index:1;display:flex;align-items:center;justify-content:center;text-align:center;padding:72px 20px;min-height:78vh}
.story__inner{max-width:740px;margin:0 auto;display:flex;flex-direction:column;align-items:center}
.story__eyebrow{margin:0 0 12px}
.story__art{width:96px;height:76px;margin:0 auto 12px}
.story__art svg{display:block;width:100%;height:100%;overflow:visible;filter:drop-shadow(0 6px 10px rgba(10,24,41,.18))}
.story__brand{font:600 22px/1 var(--font-d);letter-spacing:.16em;text-transform:uppercase;color:var(--navy);margin:0 0 14px;padding:0 0 12px;border-bottom:2px solid var(--amber);display:inline-block}
.story__brand b{font-weight:800}
@media(max-width:700px){.story__art{width:72px;height:58px;margin-bottom:8px}.story__brand{font-size:17px;margin-bottom:10px}}
@media(max-height:720px){.story__art{width:72px;height:58px;margin-bottom:8px}}
.story__h{color:var(--navy);font-size:clamp(26px,3.6vw,42px);line-height:1.08;margin:0 0 .4em}
.story__page--hero .story__h{font-size:clamp(28px,3.8vw,46px)}
.story__p{max-width:560px;margin:0 auto 22px;font-size:clamp(16px,1.3vw,18px);line-height:1.6;color:var(--muted)}
.story__ctas{display:flex;gap:12px;flex-wrap:wrap;justify-content:center}
.story__note{margin:16px 0 0;font-size:12.5px;color:var(--muted);letter-spacing:.04em}
.story--anim .story__stage{position:sticky;top:var(--hdr);height:calc(100vh - var(--hdr));height:calc(100svh - var(--hdr));min-height:560px;overflow:hidden}
.story--anim .story__page{position:absolute;inset:0;min-height:0;padding:48px 20px 64px;will-change:opacity;align-items:flex-end}
.story--anim .story__page:not(.live){pointer-events:none}
.story--anim .story__page--hero{align-items:center;justify-content:flex-start;padding-left:max(20px,calc((100% - 1120px)/2 + 20px))}
.story--anim .story__inner{background:rgba(255,255,255,.88);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.7);border-radius:18px;padding:26px 36px 30px;max-width:640px;box-shadow:0 20px 60px rgba(10,24,41,.25)}
.story--anim .story__page--hero .story__inner{align-items:flex-start;text-align:left;max-width:560px;margin:0}
.story--anim .story__page--hero .story__ctas{justify-content:flex-start}
.story--anim .story__page--hero .story__p{margin-left:0}
.story--anim .story__page .story__eyebrow{margin-bottom:8px}
/* chapter icon entrances: play each time a card becomes the live one */
.story__art .k-float,.story__art .k-drop,.story__art .k-pop,.story__art .k-coin,.story__art .k-rise,.story__art .k-twinkle,.story__art .k-up,.story__art .k-shackle,.story__art .k-turn,.story__art .k-ring,.story__art .k-medal,.story__art .k-unfurl{transform-box:fill-box;transform-origin:50% 50%}
.story__art .k-unfurl{transform-origin:50% 0}
.story__art .k-rise{transform-origin:50% 100%}
.story__art .k-pop{transform-origin:30% 90%}
.story__art .k-ring{transform-origin:50% 10%}
/* a card fades in before it becomes .live, so hold each icon at its first frame until then (no appear→vanish→animate) */
.story--anim .story__page:not(.live) .k-float,.story--anim .story__page:not(.live) .k-drop,.story--anim .story__page:not(.live) .k-pop,.story--anim .story__page:not(.live) .k-twinkle,.story--anim .story__page:not(.live) .k-turn,.story--anim .story__page:not(.live) .k-fade,.story--anim .story__page:not(.live) .k-medal{opacity:0}
.story--anim .story__page:not(.live) .k-unfurl{transform:scaleY(0)}
.story--anim .story__page:not(.live) .k-rise{transform:scaleY(0)}
.story--anim .story__page:not(.live) .k-shackle{transform:translateY(-7px)}
.story--anim .story__page:not(.live) .k-draw{stroke-dashoffset:60}
.story--anim .story__page.live .k-float{animation:k-float .9s cubic-bezier(.2,.8,.3,1) .1s both}
.story--anim .story__page.live .k-drop{animation:k-drop 1s cubic-bezier(.3,.9,.4,1) .2s both}
.story--anim .story__page.live .k-pop{animation:k-pop .8s cubic-bezier(.34,1.4,.64,1) .15s both}
.story--anim .story__page.live .k-coin{animation:k-coin .9s ease-in-out .9s both}
.story--anim .story__page.live .k-rise{animation:k-rise .8s cubic-bezier(.2,.8,.3,1) both}
.story--anim .story__page.live .k-twinkle{animation:k-twinkle .9s cubic-bezier(.34,1.5,.64,1) .8s both}
.story--anim .story__page.live .k-up{animation:k-up 1.6s ease-in-out .5s both}
.story--anim .story__page.live .k-shackle{animation:k-shackle 1.1s cubic-bezier(.2,.8,.3,1) .3s both}
.story--anim .story__page.live .k-medal{animation:k-pop .8s cubic-bezier(.34,1.4,.64,1) .15s both}
.story--anim .story__page.live .k-unfurl{animation:k-rise .7s cubic-bezier(.2,.8,.3,1) .55s both}
.story--anim .story__page.live .k-draw{animation:k-draw .7s cubic-bezier(.3,0,.2,1) .75s both}
.story--anim .story__page.live .k-turn{animation:k-turn 1.1s cubic-bezier(.34,1.3,.64,1) .15s both}
.story--anim .story__page.live .k-ring{animation:k-ring 1.4s ease-in-out .3s both}
.story--anim .story__page.live .k-fade{animation:k-fade .5s ease-out both}
@keyframes k-float{0%{transform:translateY(12px);opacity:0}100%{transform:none;opacity:1}}
@keyframes k-drop{0%{transform:translateY(-34px);opacity:0}50%{transform:translateY(4px);opacity:1}72%{transform:translateY(-5px)}88%{transform:translateY(1.5px)}100%{transform:none}}
@keyframes k-pop{0%{transform:scale(.3);opacity:0}70%{transform:scale(1.08);opacity:1}100%{transform:scale(1)}}
@keyframes k-coin{0%{transform:scaleX(1)}50%{transform:scaleX(-1)}100%{transform:scaleX(1)}}
@keyframes k-rise{0%{transform:scaleY(0)}100%{transform:scaleY(1)}}
@keyframes k-twinkle{0%{transform:scale(0) rotate(-90deg);opacity:0}70%{transform:scale(1.3) rotate(8deg);opacity:1}100%{transform:none}}
@keyframes k-up{0%,100%{transform:none}25%{transform:translateY(-8px)}50%{transform:none}70%{transform:translateY(-4px)}}
@keyframes k-shackle{0%,55%{transform:translateY(-7px)}100%{transform:none}}
@keyframes k-draw{0%{stroke-dashoffset:60}100%{stroke-dashoffset:0}}
@keyframes k-turn{0%{transform:rotate(-45deg) scale(.7);opacity:0}60%{transform:rotate(14deg) scale(1.04);opacity:1}100%{transform:none}}
@keyframes k-ring{0%,70%,100%{transform:none}10%,30%,50%{transform:rotate(-8deg)}20%,40%,60%{transform:rotate(8deg)}}
@keyframes k-fade{0%{opacity:0}100%{opacity:1}}
.story__hint{display:none}
.story--anim .story__hint{display:flex;flex-direction:column;align-items:center;gap:8px;position:absolute;left:50%;transform:translateX(-50%);bottom:22px;z-index:6;font:600 10px/1 var(--font-d);letter-spacing:.2em;text-transform:uppercase;color:#fff;text-shadow:0 1px 6px rgba(0,0,0,.5);transition:opacity .4s}
.story__hint i{width:2px;height:26px;background:linear-gradient(#fff,transparent);animation:hint 1.8s ease-in-out infinite}
@keyframes hint{0%{transform:scaleY(0);transform-origin:top}50%{transform:scaleY(1);transform-origin:top}51%{transform-origin:bottom}100%{transform:scaleY(0);transform-origin:bottom}}
.story__dots{display:none}
.story--anim .story__dots{display:flex;flex-direction:column;gap:11px;position:absolute;right:22px;top:50%;transform:translateY(-50%);z-index:6;transition:opacity .4s}
.story__dots button{width:10px;height:10px;padding:0;border-radius:50%;border:1.5px solid rgba(255,255,255,.8);background:rgba(15,34,56,.25);cursor:pointer;transition:.3s}
.story__dots button.on{background:var(--amber);border-color:var(--amber);transform:scale(1.3)}
.story__dots button:focus-visible{outline:2px solid #fff;outline-offset:3px}
html:has(.story--anim){scroll-snap-type:y proximity}
.story__snap{position:absolute;left:0;width:1px;height:1px;scroll-snap-align:start;pointer-events:none}
@media(max-width:700px){.story--anim .story__inner{padding:18px 18px 22px;border-radius:14px;max-width:calc(100% - 26px);margin-right:26px}.story--anim .story__dots{right:5px;gap:8px}.story--anim .story__hint{bottom:14px}.story__dots button{width:7px;height:7px}.story__h{font-size:clamp(24px,7vw,32px)}.story__page--hero .story__h{font-size:clamp(26px,7.4vw,34px)}.story--anim .story__page--hero{justify-content:center;padding-left:20px;align-items:flex-end;padding-bottom:64px}.story--anim .story__page--hero .story__inner{text-align:center;align-items:center}.story--anim .story__page--hero .story__ctas{justify-content:center}}
@media(prefers-reduced-motion:reduce){.story__hint i{animation:none}#an-scene .lyr,#an-sun,#an-clouds,#an-birds,#an-car{transition:none}.story__page{min-height:0;padding:56px 20px}.story__stage{background:url(img/scene-hero.svg) center/cover}.scene{display:none}.story__inner{background:rgba(255,255,255,.9);border-radius:18px;padding:26px 36px 30px}}
/* sections (home) */
.sec-block{padding:84px 0}
.sec-block.alt{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{max-width:640px;margin:0 0 40px}
.sec-head h2{font-size:clamp(26px,3.4vw,38px);line-height:1.12;margin:10px 0 12px}
.sec-head p{margin:0;color:var(--muted)}
.sec-head.center{margin-inline:auto;text-align:center}
.grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
@media(max-width:980px){.grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:520px){.grid{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px 20px;min-width:0;display:flex;flex-direction:column;gap:8px;text-decoration:none;color:inherit;transition:border-color .15s,box-shadow .15s}
.card:hover{border-color:var(--blue);box-shadow:0 10px 30px rgba(15,34,56,.08)}
.card h3{font-size:17px;line-height:1.25}
.card p{margin:0;color:var(--muted);font-size:14px}
.card .go{margin-top:auto;padding-top:6px;color:var(--blue2);font-weight:600;font-size:13px}
.more{margin:22px 0 0;font-weight:600}.more.center{text-align:center}.more a{text-decoration:none}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
@media(max-width:860px){.split{grid-template-columns:1fr;gap:28px}}
.split h2{font-size:clamp(26px,3.4vw,38px);line-height:1.12;margin:10px 0 14px}
.split p{color:var(--muted);margin:0 0 14px}
.cities{display:flex;flex-wrap:wrap;gap:8px;margin:18px 0 0;padding:0;list-style:none}
.cities li{font:600 12px/1 var(--font-b);letter-spacing:.04em;padding:8px 12px;border:1px solid var(--sky);border-radius:999px;color:var(--navy);background:#fff}
.office{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.office dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:10px 16px;font-size:14.5px}
.office dt{font:600 11px/1.8 var(--font-d);letter-spacing:.14em;text-transform:uppercase;color:var(--blue)}
.office dd{margin:0}.office a{text-decoration:none}
.quotes{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
@media(max-width:860px){.quotes{grid-template-columns:1fr}}
.quote{margin:0;border:1px solid var(--line);background:#fff;border-radius:var(--radius);padding:22px 20px;display:flex;flex-direction:column;gap:12px}
.quote blockquote{margin:0;font-size:15px;color:var(--fg)}
.quote blockquote::before{content:"“";color:var(--amber);font:700 34px/0 var(--font-d);vertical-align:-10px;margin-right:4px}
.quote figcaption{font:600 11px/1 var(--font-d);letter-spacing:.14em;text-transform:uppercase;color:var(--blue)}
.faq{max-width:760px;margin:0 auto}
.faq details{border-top:1px solid var(--line);padding:16px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font:600 17px/1.3 var(--font-d);color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--blue);font-weight:500;flex:none}
.faq details[open] summary::after{content:"–"}
.faq p{margin:12px 0 0;color:var(--muted)}
.faq.big{max-width:none}
.band{background:var(--navy);color:#fff;border-radius:var(--radius);padding:40px;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px}
.band h2{color:#fff;font-size:clamp(24px,3vw,34px);margin:0 0 6px}
.band p{margin:0;max-width:52ch;color:rgba(255,255,255,.8)}
/* inner pages */
.banner{position:relative;background:var(--navy) center/cover no-repeat;color:#fff;padding:56px 0 44px;min-height:260px;display:flex;align-items:flex-end}
.banner::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(10,24,41,.25) 0%,rgba(10,24,41,.55) 50%,rgba(10,24,41,.9) 100%)}
.banner .wrap{position:relative;width:100%}
.banner h1{color:#fff;font-size:clamp(28px,4vw,44px);line-height:1.1;text-shadow:0 2px 12px rgba(0,0,0,.35)}
.banner__p{margin:10px 0 0;max-width:62ch;font-size:clamp(15px,1.3vw,18px);color:rgba(255,255,255,.88);text-shadow:0 1px 8px rgba(0,0,0,.4)}
.crumbs{font-size:13px;color:rgba(255,255,255,.75);margin:0 0 14px;display:flex;flex-wrap:wrap;gap:6px}
.crumbs a{color:#fff;text-decoration:none}.crumbs span[aria-current]{color:#fff}
.page{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:48px;padding:48px 20px 72px}
.page--wide{display:block;padding:48px 20px 72px}
@media(max-width:900px){.page{grid-template-columns:1fr;gap:32px}}
.prose{max-width:72ch;font-size:16.5px}
.page--wide .prose{max-width:none}
.prose h2{font-size:clamp(22px,2.4vw,28px);margin:34px 0 12px;line-height:1.2}
.prose h3{font-size:19px;margin:28px 0 10px}
.prose h4{font-size:16px;margin:22px 0 8px}
.prose h2:first-child,.prose h3:first-child{margin-top:0}
.prose p{margin:0 0 16px}
.prose ul,.prose ol{padding-left:22px;margin:0 0 18px}.prose li{margin:0 0 8px}
.prose .lead{font-size:clamp(17px,1.5vw,20px);color:var(--navy);line-height:1.5}
.prose .note{font-size:13.5px;color:var(--muted)}
.prose hr{border:0;border-top:1px solid var(--line);margin:28px 0}
.prose table{width:100%;border-collapse:collapse;font-size:15px}
.prose th,.prose td{text-align:left;padding:10px;border-bottom:1px solid var(--line);vertical-align:top}
.prose blockquote{margin:0 0 16px;padding-left:16px;border-left:3px solid var(--amber)}
.prose .btn{margin:4px 8px 4px 0}
.side{display:flex;flex-direction:column;gap:18px;position:sticky;top:calc(var(--hdr) + 20px);align-self:start}
.scard{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.scard h3{font-size:16px;margin:0 0 6px}
.scard p{margin:0 0 14px;font-size:14px;color:var(--muted)}
.scard .btn{width:100%;margin:0 0 8px}
.scard .small{font-size:12px;margin:8px 0 0}
.scard.rel a{display:block;padding:7px 0;border-top:1px solid var(--line);text-decoration:none;font-size:14.5px;color:var(--fg)}
.scard.rel a:first-of-type{border-top:0}.scard.rel a:hover{color:var(--blue2)}
/* team */
.team{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:8px 0 24px}
@media(max-width:600px){.team{grid-template-columns:1fr}}
.tcard{display:flex;gap:16px;align-items:center;border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-decoration:none;color:inherit;background:#fff}
.tcard:hover{border-color:var(--blue)}
.tcard strong{display:block;font-family:var(--font-d);color:var(--navy);font-size:17px}
.tcard em{display:block;font-style:normal;color:var(--muted);font-size:14px}
.nmls{display:inline-block;margin-top:6px;font:600 11px/1 var(--font-d);letter-spacing:.1em;text-transform:uppercase;color:var(--blue)}
.avatar{flex:none;width:64px;height:64px;border-radius:50%;background:linear-gradient(135deg,var(--navy3),var(--navy));color:var(--amber);display:inline-flex;align-items:center;justify-content:center;font:700 20px/1 var(--font-d);letter-spacing:.04em}
.avatar.big{width:112px;height:112px;font-size:34px}
.profile{display:flex;gap:28px;align-items:flex-start;margin:0 0 24px;padding:0 0 24px;border-bottom:1px solid var(--line)}
.profile .ptitle{font:600 15px/1.4 var(--font-d);color:var(--blue2);margin:0 0 10px}
@media(max-width:600px){.profile{flex-direction:column}}
/* blog */
.posts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
@media(max-width:800px){.posts{grid-template-columns:1fr}}
.post-card{border:1px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff}
.post-card h2{font-size:20px;margin:0 0 6px;line-height:1.25}.post-card h2 a{color:var(--navy);text-decoration:none}
.post-card .meta{font-size:13px;color:var(--muted);margin:0 0 10px}
.post-card p{font-size:15px;color:var(--fg);margin:0 0 10px}
.post-card .more{display:inline-block;margin:0;text-decoration:none}
/* glossary */
.letters{display:flex;flex-wrap:wrap;gap:6px;margin:0 0 24px}
.letters a{display:inline-block;min-width:34px;text-align:center;padding:7px 8px;border:1px solid var(--line);border-radius:8px;text-decoration:none;font-weight:600;color:var(--navy)}
.letters a.is-active{background:var(--navy);color:#fff;border-color:var(--navy)}
.letters a.is-empty{opacity:.3;pointer-events:none}
.letters--sticky{position:sticky;top:var(--hdr);z-index:5;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);padding:10px 0;margin:0 0 4px;border-bottom:1px solid var(--line)}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.gl-search{position:relative;max-width:600px;margin:20px 0 24px}
.gl-search input{width:100%;box-sizing:border-box;padding:15px 118px 15px 48px;border:1.5px solid var(--line);border-radius:999px;font:16px/1.3 var(--font-b);color:var(--fg);background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%232f7fd1' stroke-width='2' stroke-linecap='round'%3E%3Ccircle cx='9' cy='9' r='6'/%3E%3Cpath d='M14 14l4 4'/%3E%3C/svg%3E") no-repeat 17px center/20px;-webkit-appearance:none;appearance:none}
.gl-search input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(47,127,209,.15)}
.gl-search input::-webkit-search-cancel-button{-webkit-appearance:none;appearance:none;height:16px;width:16px;cursor:pointer;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='none' stroke='%236b7a8c' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='M5 5l10 10M15 5L5 15'/%3E%3C/svg%3E") no-repeat center/16px}
.gl-count{position:absolute;right:18px;top:50%;transform:translateY(-50%);font:600 12px/1 var(--font-d);letter-spacing:.06em;text-transform:uppercase;color:var(--muted);pointer-events:none}
.gl-core{margin:0 0 26px}.gl-core .eyebrow{margin:0 0 10px}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips a{font:600 13px/1 var(--font-b);padding:9px 13px;border-radius:999px;background:var(--paper);color:var(--navy);text-decoration:none;border:1px solid var(--line)}
.chips a:hover{border-color:var(--blue);color:var(--blue);background:#fff}
.gl-sec{max-width:78ch}
.gl-sec h2{display:flex;align-items:baseline;gap:12px;margin:36px 0 2px;padding-top:8px;scroll-margin-top:calc(var(--hdr) + 70px)}
.gl-sec h2 small{font:600 11px/1 var(--font-d);letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.gloss2{margin:0}
.gl-item{padding:18px 0;border-bottom:1px solid var(--line);scroll-margin-top:calc(var(--hdr) + 78px)}
.gl-item dt{font:600 18px/1.3 var(--font-d);color:var(--navy);margin:0 0 6px}
.gl-item dt a{color:inherit;text-decoration:none}.gl-item dt a:hover{color:var(--blue)}
.gl-item dd{margin:0;max-width:70ch;color:var(--fg)}
.gl-item dd p{margin:0 0 10px}.gl-item dd p:last-child{margin:0}
.gl-item dd a{color:var(--blue);text-decoration:underline;text-decoration-color:var(--sky);text-underline-offset:3px}
.gl-item:target{background:linear-gradient(90deg,rgba(255,179,71,.22),rgba(255,179,71,0) 70%);margin:0 -16px;padding-left:16px;padding-right:16px;border-radius:12px}
.gl-item[hidden],.gl-sec[hidden]{display:none}
.gl-none{display:none;margin:12px 0 0;padding:26px;border:1px dashed var(--line);border-radius:14px;text-align:center;max-width:78ch}
.gl-none.show{display:block}.gl-none p{margin:0}
.gl-foot{margin:36px 0 0;padding:20px 24px;background:var(--paper);border-radius:14px;max-width:78ch}
.totop{position:fixed;right:20px;bottom:20px;width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;border:0;box-shadow:0 10px 24px rgba(15,34,56,.25);display:none;align-items:center;justify-content:center;cursor:pointer;z-index:30}
.totop.show{display:inline-flex}.totop:hover{background:var(--navy3)}
@media(max-width:700px){
  .letters--sticky{flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none;margin-left:-20px;margin-right:-20px;padding-left:20px;padding-right:20px}
  .letters--sticky::-webkit-scrollbar{display:none}
  .gl-search input{padding-right:16px}.gl-count{position:static;transform:none;display:block;margin:8px 0 0 18px}
  .chips{flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none;margin:0 -20px;padding:2px 20px 6px;-webkit-overflow-scrolling:touch}
  .chips::-webkit-scrollbar{display:none}.chips a{flex:none}
  .gl-item dt{font-size:17px}
}
/* compare table */
.tablewrap{overflow:auto;margin:0 0 12px}
.compare th[scope=row]{font-weight:600;min-width:260px}
.compare th[scope=row] p{font-weight:400;font-size:14px;color:var(--muted);margin:6px 0 0}
.compare thead th{font:600 12px/1.4 var(--font-d);letter-spacing:.06em;text-transform:uppercase;color:var(--blue)}
.compare .ck{text-align:center;font-size:20px;color:#2b8a4e}.compare .no{color:#c0c7d1}
/* licensing */
.lic{border:1px solid var(--line);border-radius:var(--radius);padding:22px 24px;margin:0 0 20px;background:var(--paper)}
.lic h2{margin-top:0}
.lic dl{display:grid;grid-template-columns:auto 1fr;gap:6px 18px;margin:0 0 14px;font-size:15px}
.lic dt{font-weight:600;color:var(--navy)}.lic dd{margin:0}
/* forms, contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px}
@media(max-width:800px){.contact-grid{grid-template-columns:1fr}}
address{font-style:normal;line-height:1.7;margin:0 0 14px}
.map{aspect-ratio:4/3;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);margin-top:16px}
.map iframe{width:100%;height:100%;border:0;display:block}
.lead-form{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.lead-form label{display:block;font-weight:600;font-size:14px;margin:12px 0 6px;color:var(--navy)}
.lead-form input,.lead-form select,.lead-form textarea,.cform input,.cform select{width:100%;font:inherit;padding:11px 12px;border:1px solid #c7d2de;border-radius:8px;background:#fff;color:var(--fg)}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus,.cform input:focus,.cform select:focus{outline:2px solid var(--blue);outline-offset:1px;border-color:var(--blue)}
.lead-form .consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:13px;color:var(--muted);margin:16px 0}
.lead-form .consent input{width:auto;margin-top:3px}
.lead-form .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.lead-form button{width:100%}
.form-status{margin:12px 0 0;font-size:14px;color:var(--navy)}
/* calculators */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:28px;border:1px solid var(--line);border-radius:var(--radius);padding:26px;margin:0 0 26px;background:#fff}
@media(max-width:800px){.calc{grid-template-columns:1fr}}
.calc h2{grid-column:1/-1;margin:0}
.cform label{display:block;font-size:14px;font-weight:600;color:var(--navy);margin:0 0 12px}
.cform input,.cform select{margin-top:5px;font-weight:400}
.cout{background:var(--paper);border-radius:var(--radius);padding:22px}
.cout .big{display:flex;flex-direction:column;margin:0 0 14px}
.cout .big span{font:800 clamp(30px,4vw,40px)/1 var(--font-d);color:var(--navy)}
.cout .big small{color:var(--muted);font-size:13px;margin-top:4px}
.cout dl{display:grid;grid-template-columns:1fr auto;gap:6px 16px;margin:0 0 12px;font-size:14.5px}
.cout dt{color:var(--muted)}.cout dd{margin:0;font-weight:600;text-align:right}
.cout .note{margin:0;font-size:12.5px;color:var(--muted)}
/* footer */
footer{background:var(--navy2);color:#b9c7d8;padding:56px 0 40px;font-size:14px}
footer .brand .logo{height:90px;max-width:100%}
/* footer: the horizontal lockup gets its own row above the link columns so the tagline stays legible */
.fbrand-row{grid-column:1/-1;justify-self:start;margin-bottom:8px}
@media(max-width:700px){footer .brand .logo{height:64px}}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1fr;gap:28px}
/* tablet: address block takes its own row so the four link categories stay on one line; phones: two per row */
@media(max-width:980px){.fgrid{grid-template-columns:repeat(4,1fr);gap:22px}.fbrand{grid-column:1/-1}}
@media(max-width:620px){.fgrid{grid-template-columns:1fr 1fr}}
footer h4{font:600 11px/1 var(--font-d);letter-spacing:.16em;text-transform:uppercase;color:var(--sky);margin:0 0 12px}
footer a{color:#e6edf5;text-decoration:none;display:block;margin:0 0 8px}
footer a:hover{color:var(--amber)}
.fbrand p{margin:14px 0 10px;line-height:1.6}
.fcta{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.fcta .btn{margin:0;font-size:14px;padding:11px 16px}
.fcta .btn--ghost{color:#fff;border-color:rgba(255,255,255,.4)}
.legal{margin-top:36px;padding-top:24px;border-top:1px solid rgba(255,255,255,.12);font-size:12.5px;line-height:1.6;color:#9db0c6}
.legal p{margin:0 0 10px}
.legal .lrow{display:flex;gap:12px;align-items:center;margin:0 0 12px;color:#e6edf5}
.legal .eho{flex:none;color:#fff}
.legal .lrow a{display:inline;color:var(--amber)}
.legal .llinks{display:flex;flex-wrap:wrap;gap:4px 18px}
.legal .llinks a{display:inline;margin:0}

.prose ol.steps{list-style:none;padding:0;margin:0 0 20px}.prose ol.steps li{padding:0 0 6px}.prose ol.steps h2{margin-top:26px}
/* ---- index2: classic lender-site layout ---- */
.h2-hero{position:relative;background:var(--navy) center/cover no-repeat;min-height:560px;display:flex;align-items:center;padding:72px 0 110px}
.h2-hero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,24,41,.82) 0%,rgba(10,24,41,.55) 50%,rgba(10,24,41,.18) 100%)}
.h2-hero{background-position:center 40%}
.h2-hero .wrap{position:relative;width:100%}
.h2-hero__card{max-width:600px;color:#fff}
.h2-hero__card .eyebrow{color:var(--amber)}
.h2-hero__card h1{color:#fff;font-size:clamp(32px,4.6vw,54px);line-height:1.06;margin:12px 0 16px;text-shadow:0 2px 14px rgba(0,0,0,.35)}
.h2-hero__card p{font-size:clamp(16px,1.3vw,18px);color:rgba(255,255,255,.88);margin:0 0 24px;max-width:54ch}
.h2-hero__ctas{display:flex;gap:12px;flex-wrap:wrap}
.h2-hero__ctas .btn--ghost{color:#fff;border-color:rgba(255,255,255,.5)}
.h2-tiles{margin-top:-72px;position:relative;z-index:2;padding-bottom:48px}
.h2-tiles__grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
@media(max-width:860px){.h2-tiles__grid{grid-template-columns:1fr}.h2-tiles{margin-top:-40px}}
.h2-tile{display:flex;flex-direction:column;background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:0 18px 44px rgba(15,34,56,.16);text-decoration:none;color:inherit;transition:transform .15s}
.h2-tile:hover{transform:translateY(-3px)}
.h2-tile__img{display:block;height:170px;background:var(--navy) center/cover}
.h2-tile__body{display:flex;flex-direction:column;gap:8px;padding:20px 22px 22px;flex:1}
.h2-tile__body strong{font:700 20px/1.2 var(--font-d);color:var(--navy)}
.h2-tile__body span{font-size:14.5px;color:var(--muted)}
.h2-tile__body em{font-style:normal;font-weight:600;font-size:13px;color:var(--blue2);margin-top:auto;padding-top:6px}
.h2-band{background:var(--navy);color:#fff;padding:56px 0}
.h2-band__in{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
@media(max-width:860px){.h2-band__in{grid-template-columns:1fr}}
.h2-band h2{color:#fff;font-size:clamp(24px,3vw,34px);margin:0 0 10px}
.h2-band p{margin:0;color:rgba(255,255,255,.8)}
.h2-band__facts{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:12px}
.h2-band__facts li{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:10px;padding:14px 16px;display:flex;flex-direction:column}
.h2-band__facts strong{font:600 11px/1 var(--font-d);letter-spacing:.16em;text-transform:uppercase;color:var(--amber);margin-bottom:6px}
.h2-band__facts span{font:700 18px/1.2 var(--font-d)}
.h2-split{padding:84px 0}
.h2-split__in{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media(max-width:860px){.h2-split__in{grid-template-columns:1fr;gap:28px}}
.h2-split__art{min-height:440px;border-radius:var(--radius);background:var(--navy) center/cover;box-shadow:0 18px 44px rgba(15,34,56,.14)}
@media(max-width:860px){.h2-split__art{min-height:240px}}
.h2-split h2{font-size:clamp(26px,3.2vw,38px);line-height:1.12;margin:10px 0 14px}
.h2-split p{color:var(--muted);margin:0 0 18px}
.h2-checks{list-style:none;margin:0 0 24px;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:12px 20px}
@media(max-width:600px){.h2-checks{grid-template-columns:1fr}}
.h2-checks li{display:flex;gap:10px;align-items:flex-start;font-size:14.5px}
.h2-checks svg{flex:none;width:20px;height:20px;color:var(--blue);margin-top:2px}
.h2-why{padding:84px 0;background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.h2-why__grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
@media(max-width:980px){.h2-why__grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.h2-why__grid{grid-template-columns:1fr}}
.h2-why__grid div{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.h2-why__grid h3{font-size:17px;margin:0 0 8px}.h2-why__grid p{margin:0;font-size:14.5px;color:var(--muted)}
.h2-progs{padding:84px 0}
.h2-progs__grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
@media(max-width:980px){.h2-progs__grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.h2-progs__grid{grid-template-columns:1fr}}
.h2-prog{display:flex;gap:14px;align-items:center;border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px;text-decoration:none;color:inherit;background:#fff;transition:border-color .15s}
.h2-prog:hover{border-color:var(--blue)}
.h2-prog__ic{flex:none;width:64px;height:52px}.h2-prog__ic svg{width:100%;height:100%;overflow:visible}
.h2-prog__ic--line{width:64px;height:64px;border-radius:16px;background:var(--paper);display:flex;align-items:center;justify-content:center;color:var(--navy)}.h2-prog__ic--line svg{width:40px;height:40px}.h2-prog:hover .h2-prog__ic--line{background:#e6f0fb}
.h2-prog strong{display:block;font:700 16px/1.2 var(--font-d);color:var(--navy)}
.h2-prog em{display:block;font-style:normal;font:600 12px/1 var(--font-b);letter-spacing:.08em;text-transform:uppercase;color:var(--blue2);margin-top:6px}
.h2-quotes{padding:84px 0;background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.h2-team{padding:84px 0}
.h2-team__grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
@media(max-width:980px){.h2-team__grid{grid-template-columns:1fr 1fr}}
.h2-person{display:flex;flex-direction:column;align-items:center;text-align:center;gap:6px;border:1px solid var(--line);border-radius:var(--radius);padding:28px 18px;text-decoration:none;color:inherit;background:#fff}
.h2-person:hover{border-color:var(--blue)}
.h2-person .avatar{margin-bottom:8px}
.h2-person strong{font:700 18px/1.2 var(--font-d);color:var(--navy)}
.h2-person em{font-style:normal;font-size:14px;color:var(--muted)}
.h2-person small{font:600 11px/1 var(--font-d);letter-spacing:.12em;text-transform:uppercase;color:var(--blue)}
.h2-mission{background:var(--navy);color:#fff;padding:64px 0;text-align:center}
.h2-mission p{max-width:72ch;margin:0 auto 24px;font-size:clamp(17px,1.6vw,21px);line-height:1.5;color:rgba(255,255,255,.9)}
.h2-credit{margin:22px auto 0;font-size:12px;color:rgba(255,255,255,.55)}.h2-credit a{color:rgba(255,255,255,.75)}

/* ---- JoinTheos.com additions on top of the Theós Financial base styles ---- */
/* flat nav (no dropdowns) */
.j-links{display:flex;gap:22px;align-items:center}
.nav-cta .tel{white-space:nowrap}
.j-links a{white-space:nowrap;font:600 14.5px/1 var(--font-d);color:var(--navy);text-decoration:none;padding:8px 0;border-bottom:2px solid transparent}
.j-links a:hover,.j-links a[aria-current="page"]{border-bottom-color:var(--amber)}
@media(max-width:980px){.j-links{flex-direction:column;align-items:stretch;gap:0}.j-links a{padding:14px 0;border-bottom:1px solid var(--line)}.j-links a[aria-current="page"]{border-bottom-color:var(--line);color:var(--blue2)}}
footer .legal .eeo a{display:inline;color:rgba(255,255,255,.85)}
.j-hero{min-height:620px;padding:96px 0 130px;background-position:center 35%}
.j-hero::before{background:linear-gradient(90deg,rgba(10,24,41,.9) 0%,rgba(10,24,41,.7) 45%,rgba(10,24,41,.3) 100%)}
.j-hero .h2-hero__card{max-width:680px}
.j-hero .h2-hero__card h1{font-size:clamp(34px,5vw,60px)}
.j-hero .h2-hero__card p{max-width:60ch}
.h2-hero .wrap,.j-pagehero .wrap{box-sizing:border-box}

/* benefits */
.j-benefits{margin-top:-80px;position:relative;z-index:2;padding-bottom:72px}
.j-benefits__card{background:#fff;border-radius:var(--radius);box-shadow:0 18px 44px rgba(15,34,56,.16);padding:40px 44px}
.j-benefits__grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:22px;margin-top:26px}
@media(max-width:1080px){.j-benefits__grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:700px){.j-benefits__grid{grid-template-columns:1fr}.j-benefits__card{padding:26px 22px}.j-benefits{margin-top:-48px}}
.j-benefit{display:flex;flex-direction:column;gap:10px}
.j-benefit .ic{width:48px;height:48px;border-radius:14px;background:var(--paper);display:flex;align-items:center;justify-content:center;color:var(--navy)}
.j-benefit .ic svg{width:26px;height:26px}
.j-benefit h3{font-size:16px;margin:4px 0 0;line-height:1.3}
.j-benefit p{margin:0;font-size:14px;color:var(--muted)}

/* the two paths */
.j-paths{padding:0 0 84px}
.j-paths__grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
@media(max-width:860px){.j-paths__grid{grid-template-columns:1fr}}
.j-path{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:0 10px 30px rgba(15,34,56,.08)}
.j-path__img{height:220px;background:var(--navy) center/cover}
.j-path__body{padding:28px 30px 30px;display:flex;flex-direction:column;flex:1}
.j-path__logo{height:34px;display:flex;align-items:center;margin-bottom:14px}
.j-path__logo img,.j-path__logo svg{height:100%;width:auto;display:block}
.j-path h2{font-size:clamp(22px,2.4vw,28px);margin:0 0 10px}
.j-path .lead{font-size:16.5px;color:var(--fg);margin:0 0 12px}
.j-path p{color:var(--muted);margin:0 0 16px;font-size:15px}
.j-path h4{font:600 11px/1 var(--font-d);letter-spacing:.16em;text-transform:uppercase;color:var(--blue);margin:6px 0 10px}
.j-path .h2-checks{grid-template-columns:1fr;gap:9px;margin-bottom:22px}
.j-path .btn{align-self:flex-start;margin-top:auto}

/* lead credits */
.j-credits{background:var(--navy);color:#fff;padding:84px 0}
.j-credits .eyebrow{color:var(--amber)}
.j-credits h2{color:#fff;font-size:clamp(26px,3.2vw,40px);margin:8px 0 12px;max-width:22ch}
.j-credits .lead{color:rgba(255,255,255,.82);max-width:60ch;margin:0 0 36px;font-size:17px}
.j-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;counter-reset:step}
@media(max-width:800px){.j-steps{grid-template-columns:1fr}}
.j-step{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:24px 24px 26px;position:relative}
.j-step::before{counter-increment:step;content:counter(step,decimal-leading-zero);display:block;font:800 13px/1 var(--font-d);letter-spacing:.18em;color:var(--amber);margin-bottom:14px}
.j-step h3{color:#fff;font-size:18px;margin:0 0 8px}
.j-step p{margin:0;color:rgba(255,255,255,.78);font-size:14.5px}
.j-credits .fine{margin:28px 0 0;font-size:13px;color:rgba(255,255,255,.6);max-width:80ch}
.j-credits .more{margin-top:24px}
.j-credits .more a{color:#fff}

/* new vs established */
.j-two{padding:84px 0;background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.j-two__grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
@media(max-width:800px){.j-two__grid{grid-template-columns:1fr}}
.j-two__card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px 32px 30px;display:flex;flex-direction:column}
.j-two__card h2{font-size:clamp(22px,2.4vw,28px);margin:0 0 10px}
.j-two__card p{color:var(--muted);margin:0 0 22px}
.j-two__card .btn{align-self:flex-start;margin-top:auto}

/* connect form */
.j-connect{padding:84px 0}
.j-connect__in{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
@media(max-width:900px){.j-connect__in{grid-template-columns:1fr;gap:28px}}
.j-connect h2,.j-connect h1{font-size:clamp(28px,3.4vw,42px);margin:8px 0 14px}
.j-connect .lead{color:var(--muted);font-size:17px;margin:0 0 22px}
.j-connect .reassure{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.j-connect .reassure li{display:flex;gap:10px;align-items:flex-start;font-size:15px}
.j-connect .reassure svg{flex:none;width:20px;height:20px;color:var(--blue);margin-top:2px}
.j-connect .contacts{margin-top:28px;padding-top:22px;border-top:1px solid var(--line);font-size:14.5px;color:var(--muted)}
.j-connect .contacts strong{display:block;color:var(--navy);margin-bottom:4px}
.j-connect .contacts a{color:var(--navy)}
.lead-form .row{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
@media(max-width:560px){.lead-form .row{grid-template-columns:1fr}}
.lead-form fieldset{border:0;padding:0;margin:14px 0 6px}
.lead-form legend{font:600 13px/1.2 var(--font-d);color:var(--navy);margin-bottom:8px;padding:0}
/* radio pills: the native radio is kept for keyboard and screen readers but hidden; the label is the control */
.lead-form .choices{display:flex;flex-wrap:wrap;gap:8px}
.lead-form .choices label{position:relative;display:inline-flex;align-items:center;gap:8px;border:1.5px solid var(--line);border-radius:999px;padding:9px 16px;font-size:14px;line-height:1;white-space:nowrap;cursor:pointer;margin:0;font-weight:600;color:var(--navy);background:#fff;transition:background .15s,border-color .15s,color .15s}
.lead-form .choices label:hover{border-color:var(--navy)}
.lead-form .choices input{position:absolute;opacity:0;width:1px;height:1px;margin:0;pointer-events:none}
.lead-form .choices span::before{content:"";display:inline-block;width:14px;height:14px;border-radius:50%;border:1.5px solid var(--line);margin-right:8px;vertical-align:-2px;box-sizing:border-box;transition:border .15s,background .15s}
.lead-form .choices label:has(input:checked){background:var(--navy);border-color:var(--navy);color:#fff}
.lead-form .choices label:has(input:checked) span::before{border:4px solid #fff;background:var(--amber)}
.lead-form .choices label:has(input:focus-visible){outline:2px solid var(--blue);outline-offset:2px}

/* inner pages */
.j-pagehero{position:relative;background:var(--navy) center/cover;padding:84px 0 72px;color:#fff}
.j-pagehero::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,24,41,.92) 0%,rgba(10,24,41,.72) 55%,rgba(10,24,41,.35) 100%)}
.j-pagehero .wrap{position:relative}
.j-pagehero .eyebrow{color:var(--amber)}
.j-pagehero h1{color:#fff;font-size:clamp(30px,4.2vw,50px);margin:10px 0 14px;max-width:20ch;line-height:1.08}
.j-pagehero .lead{color:rgba(255,255,255,.86);font-size:clamp(16px,1.3vw,19px);max-width:58ch;margin:0 0 24px}
.j-pagehero .crumbs{color:rgba(255,255,255,.7);margin-bottom:18px}
.j-pagehero .crumbs a{color:rgba(255,255,255,.85)}
.j-pagehero .btn--ghost{color:#fff;border-color:rgba(255,255,255,.5)}
.j-section{padding:72px 0}
.j-section.alt{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.j-section .sec-head{margin-bottom:28px}
.j-cols{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
@media(max-width:860px){.j-cols{grid-template-columns:1fr;gap:28px}}
.j-cols .prose p{color:var(--muted)}
.j-art{min-height:360px;border-radius:var(--radius);background:var(--navy) center/cover;box-shadow:0 18px 44px rgba(15,34,56,.14)}
@media(max-width:860px){.j-art{min-height:220px}}
.j-timeline{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;counter-reset:tl}
@media(max-width:980px){.j-timeline{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.j-timeline{grid-template-columns:1fr}}
.j-timeline li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.j-timeline li::before{counter-increment:tl;content:counter(tl);display:inline-flex;width:32px;height:32px;border-radius:50%;background:var(--navy);color:var(--amber);font:800 14px/32px var(--font-d);justify-content:center;margin-bottom:12px}
.j-timeline h3{font-size:16px;margin:0 0 6px}
.j-timeline p{margin:0;font-size:14.5px;color:var(--muted)}
.j-faq details{border-top:1px solid var(--line);padding:4px 0}
.j-faq details:last-child{border-bottom:1px solid var(--line)}
.j-faq summary{cursor:pointer;font:700 17px/1.3 var(--font-d);color:var(--navy);padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.j-faq summary::-webkit-details-marker{display:none}
.j-faq summary::after{content:"+";color:var(--blue);font-weight:600;flex:none}
.j-faq details[open] summary::after{content:"–"}
.j-faq p{margin:0 0 18px;color:var(--muted);max-width:72ch}
.j-cta{background:var(--navy);color:#fff;padding:64px 0;text-align:center}
.j-cta h2{color:#fff;font-size:clamp(24px,3vw,34px);margin:0 0 10px}
.j-cta p{color:rgba(255,255,255,.8);max-width:60ch;margin:0 auto 24px}
.j-cta .btn--ghost{color:#fff;border-color:rgba(255,255,255,.5);margin-left:10px}
.j-dl{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:700px){.j-dl{grid-template-columns:1fr}}
.j-dl div{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.j-dl h3{font-size:16px;margin:0 0 8px}.j-dl p{margin:0;font-size:14.5px;color:var(--muted)}
.prose h2{font-size:22px;margin:28px 0 8px}
.j-legal{max-width:76ch}

/* footer: companies row, then a four-column links row */
.fcompanies{display:grid;grid-template-columns:1fr 1fr;gap:40px;padding-bottom:34px;margin-bottom:34px;border-bottom:1px solid rgba(255,255,255,.12)}
@media(max-width:700px){.fcompanies{grid-template-columns:1fr;gap:28px}}
.fco p{margin:14px 0 10px;color:rgba(255,255,255,.85);line-height:1.55}
.fco p small{display:block;color:rgba(255,255,255,.6);font-size:12.5px;margin-top:4px}
.fco a{display:block;color:#fff;text-decoration:none;margin:4px 0}
.fco a:hover{text-decoration:underline}
.fco .logo-f{display:block}
footer .realty-mark{height:44px;width:auto;display:block;filter:brightness(1.1)}
.flinks{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
@media(max-width:860px){.flinks{grid-template-columns:1fr 1fr;gap:22px}}
.flinks h4{margin:0 0 10px}
.flinks a{display:block}
footer .legal .eeo{font-size:12.5px;color:rgba(255,255,255,.62);max-width:100ch}