/* ═══════════════════════════════════════════════════════════
   Sterling Tax Expert — v3 stylesheet
   ─────────────────────────────────────────────────────────── */
*{box-sizing:border-box;margin:0;padding:0}
:root{
  /* Canvas / surfaces */
  --w:#fff;
  --canvas:#F8F9FB;
  --g25:#F8F9FB;--g50:#F1F3F6;--g100:#E8EBF0;--g200:#D1D5DB;--g400:#9CA3AF;
  /* Brand navy */
  --navy:#0B1E3D;--navy2:#08192F;--navy3:#1B3461;
  --midnight:#050D1A;
  /* Primary accent: Indigo (replaces teal-blue as interactive colour) */
  --indigo:#6366F1;--indigo2:#4F46E5;--indigo3:#818CF8;
  --indigol:#EEF2FF;--indigol2:#E0E7FF;
  /* Secondary accent: Teal (data visualisation, secondary UI) */
  --teal:#14B8A6;--teal2:#0D9488;--teal3:#5EEAD4;--tealb:#F0FDFA;--tealb2:#CCFBF1;
  /* Map old blue tokens to indigo so existing components still work */
  --blue:#4F46E5;--blue2:#6366F1;--blue3:#818CF8;
  --bluel:#EEF2FF;--bluel2:#E0E7FF;
  /* Premium gold accent (restrained use only) */
  --gold:#876B14;--goldb:#FAF5E5;--goldd:#B58E1E;--goldbr:#E6D6A6;
  /* Signal */
  --red:#DC2626;--green:#16A34A;--amber:#D97706;
  /* Typography */
  --ink:#0C1428;--ink2:#374151;--ink3:#6B7280;--ink4:#9CA3AF;
  --t1:#0C1428;--t2:#374151;--t3:#6B7280;--t4:#9CA3AF;
  /* Border */
  --br:#E5E7EB;--br2:#D1D5DB;
  /* Type stacks */
  --serif:var(--sans);  /* aliased to --sans; Instrument Serif removed */
  --sans:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  --mono:'JetBrains Mono','SF Mono','Courier New',monospace;
  /* Shadows */
  --shadow-sm:0 1px 3px rgba(11,30,61,.06);
  --shadow:0 4px 16px rgba(11,30,61,.08);
  --shadow-lg:0 12px 40px rgba(11,30,61,.12);
  --shadow-indigo:0 4px 20px rgba(99,102,241,.18);
  /* Gradients */
  --grad-navy:linear-gradient(135deg,#0B1E3D 0%,#1B3461 60%,#4F46E5 130%);
  --grad-indigo:linear-gradient(135deg,#6366F1 0%,#4F46E5 100%);
  --grad-teal:linear-gradient(135deg,#14B8A6 0%,#0D9488 100%);
  /* Radius */
  --r:10px;--rs:7px;
  /* Easing */
  --ease:cubic-bezier(0.16,1,0.3,1);
}
html{scroll-behavior:smooth;font-size:14px;-webkit-text-size-adjust:100%;overflow-x:hidden}
body{font-family:var(--sans);background:var(--canvas);color:var(--ink);line-height:1.6;overflow-x:hidden;min-height:100vh}
a{text-decoration:none;color:inherit;cursor:pointer}
button,input,textarea,select{font-family:inherit;cursor:pointer}
img{max-width:100%;display:block}

/* ── transitions ── */
.page{display:none}
.page.active{display:block;animation:pgIn .25s ease}
@keyframes pgIn{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:translateY(0)}}
@keyframes fadeUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}
@keyframes spin{to{transform:rotate(360deg)}}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.4}}
@keyframes countUp{from{opacity:0;transform:scale(.92)}to{opacity:1;transform:scale(1)}}
@media (prefers-reduced-motion: reduce){*,*::before,*::after{animation-duration:.01ms !important;transition-duration:.01ms !important}}

/* ── shared atoms ── */
.loader{position:fixed;inset:0;background:#050D1A;z-index:9999;display:grid;place-items:center;opacity:0;pointer-events:none;transition:opacity .22s}
.loader.on{opacity:1;pointer-events:all}
.loader-inner{display:flex;flex-direction:column;align-items:center;gap:16px}
.loader-mark{width:52px;height:52px}
.loader-name{font-family:var(--sans);font-size:13px;font-weight:700;color:rgba(255,255,255,.9);letter-spacing:.3px}
.loader-name span{color:var(--indigo)}
.loader-bar-track{width:120px;height:2px;background:rgba(255,255,255,.08);border-radius:2px;overflow:hidden;margin-top:4px}
.loader-bar-fill{height:100%;width:0%;background:var(--indigo);border-radius:2px;animation:loader-progress 1.4s ease-out forwards}
@keyframes loader-progress{0%{width:0%}60%{width:70%}100%{width:92%}}
.toast{position:fixed;bottom:24px;right:24px;background:var(--navy);color:#fff;padding:11px 18px;border-radius:10px;font-size:12.5px;z-index:9000;transform:translateY(14px);opacity:0;transition:all .25s;max-width:280px;box-shadow:var(--shadow-lg)}
.toast.show{transform:translateY(0);opacity:1}
.toast.ok{background:var(--green)}.toast.err{background:#991B1B}
.rbar{position:fixed;top:62px;left:0;height:2px;background:var(--blue2);z-index:890;transition:width .08s;width:0}


/* ── nav ── */
#nav{position:sticky;top:0;z-index:900;background:rgba(255,255,255,.97);backdrop-filter:blur(16px);border-bottom:1px solid var(--br);transition:box-shadow .2s}
#nav.scrolled{box-shadow:var(--shadow)}
.nav-inner{max-width:1280px;margin:0 auto;padding:0 28px;height:62px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.logo{display:flex;align-items:center;gap:10px;cursor:pointer;flex-shrink:0}
.lm{width:34px;height:34px;background:var(--navy);border-radius:8px;display:grid;place-items:center;position:relative;overflow:hidden}
.lm::after{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(46,111,232,.45),transparent 55%)}
.lm span{color:#fff;font-family:var(--sans);font-size:16px;font-weight:700;position:relative;z-index:1}
.ln{font-family:var(--sans);font-size:13.5px;font-weight:700;color:var(--navy)}
.ln span{color:var(--indigo)}
.ls{font-size:9.5px;color:var(--t3);letter-spacing:1.2px;text-transform:uppercase;margin-top:1px}
.nav-links{display:flex}
.nl{padding:0 14px;height:62px;display:flex;align-items:center;font-size:12.5px;color:var(--t2);transition:color .15s;position:relative;white-space:nowrap}
.nl:hover,.nl.on{color:var(--navy)}
.nl::after{content:'';position:absolute;bottom:0;left:14px;right:14px;height:2px;background:var(--indigo);transform:scaleX(0);transform-origin:left;transition:transform .2s}
.nl:hover::after,.nl.on::after{transform:scaleX(1)}
.nl-tools{color:var(--indigo);font-weight:600}
.nl-tools::after{background:var(--blue2)}
.nr{display:flex;align-items:center;gap:8px;flex-shrink:0}
.ntel{font-size:11.5px;color:var(--t3);padding-right:12px;border-right:1px solid var(--br);white-space:nowrap}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:5px;padding:7px 16px;border-radius:var(--rs);font-size:12.5px;font-weight:500;border:none;transition:all .15s;white-space:nowrap;cursor:pointer;background:none;color:inherit}
.btn-ghost{background:transparent;border:1px solid var(--br2);color:var(--t2)}
.btn-ghost:hover{border-color:var(--blue2);color:var(--blue2)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy2)}
.btn-blue{background:var(--blue2);color:#fff}
.btn-blue:hover{background:var(--blue)}
.btn-indigo{background:var(--indigo);color:#fff}
.btn-indigo:hover{background:var(--indigo2);box-shadow:var(--shadow-indigo)}
.btn-white{background:#fff;color:var(--navy)}
.btn-white:hover{background:var(--g100)}
.btn-sm{padding:6px 14px;font-size:12px}
.btn-red{background:#fff;color:var(--red);border:1px solid #FCA5A5}
.btn-red:hover{background:#FEE2E2}
.ham{display:none;flex-direction:column;gap:5px;background:none;border:1px solid var(--br);border-radius:6px;padding:8px 8px;align-items:center;justify-content:center}
.ham span{display:block;width:18px;height:1.5px;background:var(--navy);border-radius:2px;transition:transform .2s}
.ham.open span:nth-child(1){transform:translateY(6.5px) rotate(45deg)}
.ham.open span:nth-child(2){opacity:0}
.ham.open span:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}
.mob{display:none;position:fixed;top:62px;left:0;right:0;background:#050D1A;border-bottom:1px solid rgba(255,255,255,.06);z-index:899;flex-direction:column;padding:0 20px 20px;box-shadow:0 8px 32px rgba(0,0,0,.45);max-height:calc(100vh - 62px);overflow-y:auto}
.mob.open{display:flex}
.mob-brand{display:flex;align-items:center;gap:12px;padding:20px 0 16px;border-bottom:1px solid rgba(255,255,255,.06);margin-bottom:4px}
.mob-brand svg{width:38px;height:38px;flex-shrink:0}
.mob-brand-name{font-family:var(--sans);font-size:13px;font-weight:700;color:#fff}
.mob-brand-name span{color:var(--indigo)}
.mob-brand-sub{font-size:9.5px;color:rgba(255,255,255,.35);letter-spacing:1.2px;text-transform:uppercase;margin-top:2px}
.mob a{font-size:14px;color:rgba(255,255,255,.55);padding:13px 0;border-bottom:1px solid rgba(255,255,255,.05);display:flex;align-items:center;justify-content:space-between;transition:color .15s}
.mob a:hover{color:#fff}
.mob a.on{color:#fff;font-weight:600}
.mob .mob-cta{margin-top:16px;display:flex;flex-direction:column;gap:8px}
.mob .mob-cta .btn{justify-content:center;padding:11px 16px;font-size:13px}

/* ── breadcrumbs / back ── */
.crumbs{max-width:1280px;margin:0 auto;padding:14px 28px 0;display:flex;align-items:center;gap:10px;font-size:11.5px;color:var(--t3);flex-wrap:wrap}
.crumbs a{color:var(--t3);transition:color .12s;cursor:pointer}
.crumbs a:hover{color:var(--blue2)}
.crumbs .sep{color:var(--t4);opacity:.7}
.crumbs .here{color:var(--navy);font-weight:600}
.crumbs-back{display:inline-flex;align-items:center;gap:5px;background:var(--g50);border:1px solid var(--br);border-radius:5px;padding:4px 10px;color:var(--t2);font-size:11px;cursor:pointer;transition:all .12s;margin-right:6px}
.crumbs-back:hover{background:var(--w);border-color:var(--blue2);color:var(--blue2)}

/* ── layout helpers ── */
.sec{padding:64px 28px}
.sec-sm{padding:40px 28px}
.sec-inner{max-width:1280px;margin:0 auto}
.sec-narrow{max-width:840px;margin:0 auto}
.bg-w{background:var(--w)}.bg-g{background:var(--g50)}.bg-g25{background:var(--g25)}.bg-navy{background:var(--navy)}
.bb{border-bottom:1px solid var(--br)}.bt{border-top:1px solid var(--br)}
.eyebrow{font-size:10px;font-weight:700;letter-spacing:2.5px;text-transform:uppercase;margin-bottom:10px}
.ey-blue{color:var(--indigo)}.ey-gold{color:var(--goldd)}.ey-muted{color:var(--t3)}.ey-light{color:rgba(255,255,255,.32)}
.sec-h{font-family:var(--sans);font-size:32px;font-weight:700;color:var(--navy);letter-spacing:-.3px;line-height:1.15;margin-bottom:9px;text-wrap:pretty}
.sec-h.light{color:#fff}
.sec-p{font-size:14px;color:var(--t2);line-height:1.8;max-width:480px;text-wrap:pretty}
.row-hdr{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:36px;flex-wrap:wrap;gap:14px}

/* ── hero (home) ── */
.hero{background:var(--midnight);border-bottom:none;overflow:hidden;position:relative;min-height:520px;display:flex;align-items:center}
.hero-inner{max-width:1280px;margin:0 auto;padding:80px 28px 72px;display:grid;grid-template-columns:1fr 360px;gap:56px;align-items:center;position:relative;z-index:1;width:100%}
.hero-kicker{display:inline-flex;align-items:center;gap:7px;background:rgba(99,102,241,.15);border:1px solid rgba(99,102,241,.3);border-radius:4px;padding:5px 12px;font-size:10px;color:#a5b4fc;font-weight:700;letter-spacing:.8px;text-transform:uppercase;margin-bottom:22px}
.hero h1{font-family:var(--sans);font-size:50px;font-weight:800;line-height:1.08;letter-spacing:-2px;color:#fff;margin-bottom:20px;text-wrap:balance}
.hero h1 em{color:#a5b4fc;font-style:italic}
.hero-sub{font-size:15px;color:rgba(255,255,255,.55);line-height:1.85;margin-bottom:32px;max-width:480px;text-wrap:pretty}
.hero-acts{display:flex;gap:10px;margin-bottom:36px;flex-wrap:wrap}
.hero-proof{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.hp{display:flex;align-items:center;gap:8px;font-size:12px;color:rgba(255,255,255,.45)}
.hpd{width:16px;height:16px;background:rgba(99,102,241,.2);border:1px solid rgba(99,102,241,.35);border-radius:50%;display:grid;place-items:center;font-size:8px;color:#a5b4fc;flex-shrink:0}
.btn-ghost-light{background:transparent;border:1px solid rgba(255,255,255,.2);color:rgba(255,255,255,.7)}
.btn-ghost-light:hover{border-color:rgba(255,255,255,.5);color:#fff}

/* dashboard panel mock */
.dpanel{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:14px;overflow:hidden;backdrop-filter:blur(12px)}
.dp-chrome{background:rgba(255,255,255,.05);padding:12px 16px;display:flex;align-items:center;justify-content:space-between;gap:8px;border-bottom:1px solid rgba(255,255,255,.06)}
.dp-dots{display:flex;gap:5px}
.dd{width:8px;height:8px;border-radius:50%}.dd1{background:rgba(255,255,255,.18)}.dd2{background:rgba(255,255,255,.28)}.dd3{background:rgba(255,255,255,.38)}
.dp-lbl{font-size:10px;color:rgba(255,255,255,.3);font-family:var(--mono)}
.dp-live{display:flex;align-items:center;gap:4px;font-size:9.5px;color:rgba(255,255,255,.25)}
.dp-ldot{width:5px;height:5px;border-radius:50%;background:#4ADE80;animation:pulse 2s infinite}
.dp-body{padding:14px;display:flex;flex-direction:column;gap:11px}
.dp-mets{display:grid;grid-template-columns:repeat(3,1fr);gap:6px}
.dp-m{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.07);border-radius:8px;padding:10px;text-align:center}
.dp-mn{font-family:var(--mono);font-size:17px;font-weight:500;color:#fff;line-height:1}
.dp-mn em{color:#a5b4fc;font-style:normal}
.dp-ml{font-size:9px;color:rgba(255,255,255,.35);margin-top:3px}
.dp-tasks{display:flex;flex-direction:column;gap:5px}
.dp-task{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.06);border-radius:7px;padding:8px 11px;display:flex;align-items:center;gap:8px;font-size:11px}
.dp-ds{width:5px;height:5px;border-radius:50%;flex-shrink:0}
.dp-tt{flex:1;color:rgba(255,255,255,.55)}
.dp-tag{font-size:9px;padding:2px 7px;border-radius:20px;font-weight:600;white-space:nowrap}
.dtg{background:rgba(22,163,74,.15);color:#4ade80}.dta{background:rgba(217,119,6,.15);color:#fbbf24}.dtb{background:rgba(99,102,241,.15);color:#a5b4fc}

/* ── trust strip ── */
.ts{background:#0B1E3D;border-bottom:1px solid rgba(255,255,255,.07);padding:11px 28px;overflow-x:auto;-webkit-overflow-scrolling:touch}
.ts-in{max-width:1280px;margin:0 auto;display:flex;align-items:center;gap:0;min-width:max-content}
.ts-b{display:flex;align-items:center;gap:8px;flex-shrink:0}
.ts-ic{width:26px;height:26px;background:rgba(99,102,241,.15);border-radius:6px;display:grid;place-items:center;font-size:11px}
.ts-n{font-size:11px;font-weight:600;color:rgba(255,255,255,.75)}
.ts-s{font-size:10px;color:rgba(255,255,255,.35)}
.ts-sep{width:1px;height:20px;background:rgba(255,255,255,.08);margin:0 18px;flex-shrink:0}

/* ── stats bar ── */
.sbar{background:var(--navy);display:grid;grid-template-columns:repeat(4,1fr);position:relative;overflow:hidden}
.sbar::before{content:'';position:absolute;inset:0;background-image:linear-gradient(90deg,rgba(255,255,255,.02) 1px,transparent 1px);background-size:80px;pointer-events:none}
.sc{padding:26px 22px;border-right:1px solid rgba(255,255,255,.07);position:relative;z-index:1}
.sc:last-child{border:none}
.sc-n{font-family:var(--sans);font-size:30px;font-weight:800;color:#fff;letter-spacing:-1px;line-height:1}
.sc-n em{color:#a5b4fc;font-style:normal}
.sc-l{font-size:11px;color:rgba(255,255,255,.4);margin-top:5px}
.sc-d{font-size:10px;color:#4ADE80;margin-top:6px}

/* ── HMRC feed + deadlines ── */
.hmrc-wrap{background:var(--g25);border-bottom:1px solid var(--br)}
.hmrc-lay{max-width:1280px;margin:0 auto;padding:0 28px;display:grid;grid-template-columns:260px 1fr;gap:0}
.hmrc-sb{border-right:1px solid var(--br);padding:32px 28px 32px 0}
.hmrc-sb-t{font-family:var(--sans);font-size:19px;font-weight:700;color:var(--navy);margin-bottom:6px}
.hmrc-sb-s{font-size:12.5px;color:var(--t3);line-height:1.65;margin-bottom:16px}
.hmrc-urgent{display:inline-flex;align-items:center;gap:6px;background:rgba(192,57,43,.07);border:1px solid rgba(192,57,43,.18);border-radius:4px;padding:4px 10px;font-size:10px;color:var(--red);font-weight:700;letter-spacing:.3px}
.hmrc-feed{padding:32px 0 32px 28px;display:flex;flex-direction:column}
.hmrc-item{padding:14px 0;border-bottom:1px solid var(--br);display:grid;grid-template-columns:auto 1fr auto;gap:0 14px;cursor:pointer;align-items:start}
.hmrc-item:last-child{border:none}
.hmrc-item:hover .hmrc-it{color:var(--blue2)}
.hpill{display:inline-block;padding:2px 7px;border-radius:3px;font-size:9.5px;font-weight:700;letter-spacing:.4px;text-transform:uppercase;white-space:nowrap;margin-top:2px}
.hp-r{background:rgba(192,57,43,.07);color:var(--red);border:1px solid rgba(192,57,43,.14)}
.hp-a{background:#FFFBEB;color:var(--amber);border:1px solid #FDE68A}
.hp-b{background:var(--bluel);color:var(--blue);border:1px solid var(--bluel2)}
.hp-g{background:#F0FDF4;color:var(--green);border:1px solid #BBF7D0}
.hmrc-it{font-size:13px;font-weight:500;color:var(--t1);line-height:1.4;margin-bottom:2px}
.hmrc-id{font-size:10.5px;color:var(--t4)}
.hmrc-im{font-size:10.5px;color:var(--t3);white-space:nowrap;text-align:right;margin-top:2px}

.dl-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:11px;margin-top:24px}
.dl-c{background:var(--w);border:1px solid var(--br);border-radius:var(--r);padding:18px;position:relative;overflow:hidden;cursor:pointer;transition:border-color .15s,transform .18s}
.dl-c:hover{border-color:var(--indigo);box-shadow:var(--shadow-indigo)}
.dl-c::before{content:'';position:absolute;top:0;left:0;right:0;height:3px}
.dlr::before{background:var(--red)}.dlo::before{background:var(--goldd)}.dlb::before{background:var(--blue2)}.dlg::before{background:var(--g400)}
.dl-dt{font-family:var(--sans);font-size:20px;font-weight:800;color:var(--navy);margin-bottom:2px}
.dl-nm{font-size:12.5px;font-weight:600;color:var(--t1);margin-bottom:4px}
.dl-ds{font-size:11.5px;color:var(--t3);line-height:1.5}
.dl-dy{display:inline-block;font-size:10px;font-weight:700;padding:2px 8px;border-radius:3px;margin-top:9px}
.dy-r{background:rgba(192,57,43,.07);color:var(--red)}.dy-a{background:#FFFBEB;color:var(--amber)}.dy-b{background:var(--bluel);color:var(--blue)}.dy-g{background:var(--g100);color:var(--t3)}

/* ── blog cards ── */
.bc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.bc{background:var(--w);border:1px solid var(--br);border-radius:var(--r);overflow:hidden;cursor:pointer;display:flex;flex-direction:column;transition:border-color .15s,transform .18s}
.bc:hover{border-color:var(--indigo)}
.bc-th{height:88px;display:flex;align-items:center;justify-content:center;border-bottom:1px solid var(--br);position:relative;overflow:hidden}
.bc-tg{position:absolute;inset:0;opacity:.4;background-image:linear-gradient(var(--br) 1px,transparent 1px),linear-gradient(90deg,var(--br) 1px,transparent 1px);background-size:18px 18px}
.bc-ti{position:relative;z-index:1;width:36px;height:36px;border-radius:8px;display:grid;place-items:center;font-size:16px}
.bc-body{padding:16px;flex:1;display:flex;flex-direction:column}
.bc-cat{font-size:9.5px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:6px}
.bc-t{font-family:var(--sans);font-size:14px;font-weight:700;color:var(--navy);line-height:1.4;margin-bottom:auto;text-wrap:pretty}
.bc-ft{display:flex;align-items:center;justify-content:space-between;padding-top:11px;margin-top:11px;border-top:1px solid var(--br);gap:8px}
.bc-m{font-size:10.5px;color:var(--t3)}
.bc-r{font-size:10.5px;font-weight:600;color:var(--blue2);white-space:nowrap}

/* ── testimonials ── */
.tc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.tc{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.09);border-radius:12px;padding:22px;transition:background .18s}
.tc:hover{background:rgba(255,255,255,.1)}
.tc-s{color:var(--goldd);font-size:11.5px;letter-spacing:3px;margin-bottom:12px}
.tc-q{font-size:12.5px;color:rgba(255,255,255,.68);line-height:1.75;font-style:italic;margin-bottom:16px}
.tc-r{width:26px;height:1px;background:rgba(255,255,255,.1);margin-bottom:13px}
.tc-au{display:flex;align-items:center;gap:8px}
.tc-av{width:32px;height:32px;border-radius:50%;background:rgba(255,255,255,.11);border:1px solid rgba(255,255,255,.18);display:grid;place-items:center;font-size:10.5px;font-weight:700;color:#fff;flex-shrink:0}
.tc-n{font-size:12px;font-weight:600;color:#fff}
.tc-ro{font-size:10.5px;color:rgba(255,255,255,.36)}

/* ── faq ── */
.faq-wrap{border:1px solid var(--br);border-radius:var(--r);overflow:hidden}
.faq-item{border-bottom:1px solid var(--br)}
.faq-item:last-child{border:none}
.faq-q{width:100%;background:var(--w);border:none;padding:16px 20px;display:flex;align-items:center;justify-content:space-between;font-size:13.5px;font-weight:500;color:var(--navy);text-align:left;cursor:pointer;transition:background .12s;gap:10px}
.faq-q:hover,.faq-q.open{background:var(--g50)}
.faq-q.open .faq-ch{transform:rotate(180deg)}
.faq-ch{font-size:14px;color:var(--t3);transition:transform .22s;flex-shrink:0}
.faq-a{max-height:0;overflow:hidden;transition:max-height .28s ease,padding .28s ease;font-size:13px;color:var(--t2);line-height:1.75;background:var(--g50)}
.faq-a.open{max-height:240px;padding:0 20px 16px}

/* ── CTA band ── */
.cta-band{background:var(--g50);border-bottom:1px solid var(--br);padding:44px 28px}
.cta-bi{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center}
.cta-bh{font-family:var(--sans);font-size:24px;font-weight:700;color:var(--navy);margin-bottom:7px;letter-spacing:-.2px}
.cta-bp{font-size:13.5px;color:var(--t2);line-height:1.7;max-width:440px}
.cta-ba{display:flex;flex-direction:column;gap:8px;align-items:flex-end;flex-shrink:0}
.cta-note{font-size:10px;color:var(--t4)}

/* ── footer ── */
footer{background:var(--navy)}
.f-main{max-width:1280px;margin:0 auto;padding:52px 28px 36px;display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:44px;border-bottom:1px solid rgba(255,255,255,.07)}
.f-lw{display:flex;align-items:center;gap:9px;margin-bottom:13px}
.f-lm{width:30px;height:30px;background:rgba(255,255,255,.1);border-radius:7px;display:grid;place-items:center;font-family:var(--sans);font-size:14px;font-weight:700;color:#fff}
.f-ln{font-family:var(--sans);font-size:13.5px;font-weight:700;color:#fff}
.f-bd{font-size:12.5px;color:rgba(255,255,255,.36);line-height:1.75;max-width:240px;margin-bottom:16px}
.f-certs{display:flex;flex-wrap:wrap;gap:5px}
.f-cert{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:4px;padding:3px 9px;font-size:9.5px;color:rgba(255,255,255,.36)}
.f-col h4{font-size:9.5px;font-weight:700;color:rgba(255,255,255,.36);letter-spacing:2px;text-transform:uppercase;margin-bottom:14px}
.f-col a{display:block;font-size:12.5px;color:rgba(255,255,255,.5);margin-bottom:9px;transition:color .12s}
.f-col a:hover{color:#fff}
.f-bot{max-width:1280px;margin:0 auto;padding:16px 28px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px}
.f-bl{font-size:10.5px;color:rgba(255,255,255,.3)}
.f-bls{display:flex;gap:16px}
.f-bls a{font-size:10.5px;color:rgba(255,255,255,.3);cursor:pointer;transition:color .12s}
.f-bls a:hover{color:rgba(255,255,255,.6)}
.f-rule{height:2px;background:linear-gradient(90deg,var(--indigo),#818CF8 40%,transparent 70%);opacity:.4}

/* ── tools hub / pages ── */
.tools-hero{background:var(--navy);padding:52px 28px;position:relative;overflow:hidden;border-bottom:1px solid rgba(255,255,255,.08)}
.th-bg{position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.02) 1px,transparent 1px);background-size:28px 28px;pointer-events:none}
.th-glow{position:absolute;top:-120px;right:-80px;width:500px;height:500px;background:radial-gradient(ellipse,rgba(46,111,232,.18),transparent 65%);pointer-events:none}
.th-inner{max-width:1280px;margin:0 auto;position:relative;z-index:1;display:grid;grid-template-columns:1fr 340px;gap:48px;align-items:center}
.th-kicker{display:inline-flex;align-items:center;gap:6px;background:rgba(46,111,232,.2);border:1px solid rgba(46,111,232,.3);border-radius:4px;padding:4px 11px;font-size:10px;color:#93B4F8;font-weight:700;letter-spacing:.5px;text-transform:uppercase;margin-bottom:16px}
.th-h{font-family:var(--sans);font-size:38px;font-weight:800;color:#fff;letter-spacing:-.6px;line-height:1.1;margin-bottom:14px;text-wrap:balance}
.th-h em{color:#7EB3FF;font-style:normal}
.th-p{font-size:14px;color:rgba(255,255,255,.55);line-height:1.8;max-width:480px;margin-bottom:24px;text-wrap:pretty}
.th-acts{display:flex;gap:9px;flex-wrap:wrap}
.th-stats{display:flex;flex-direction:column;gap:10px}
.th-stat{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.09);border-radius:10px;padding:16px 18px;display:flex;align-items:center;gap:14px}
.th-stat-n{font-family:var(--sans);font-size:24px;font-weight:800;color:#fff}
.th-stat-l{font-size:11.5px;color:rgba(255,255,255,.45)}

.tools-cats{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:24px}
.tcat-btn{padding:7px 14px;border-radius:20px;background:var(--w);border:1px solid var(--br);font-size:12px;color:var(--t2);cursor:pointer;transition:all .12s}
.tcat-btn:hover{border-color:var(--blue2);color:var(--blue2)}
.tcat-btn.on{background:var(--indigo);border-color:var(--indigo);color:#fff}
.tools-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.tool-card{background:var(--w);border:1px solid var(--br);border-radius:var(--r);padding:22px;cursor:pointer;transition:border-color .15s,box-shadow .15s,transform .15s;position:relative;overflow:hidden;display:flex;flex-direction:column}
.tool-card:hover{border-color:var(--indigo);box-shadow:0 4px 20px rgba(99,102,241,.10)}
.tool-card::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;opacity:0;transition:opacity .18s}
.tool-card:hover::before{opacity:1}
.tc-blue::before{background:linear-gradient(90deg,var(--blue2),var(--blue3))}
.tc-gold::before{background:linear-gradient(90deg,var(--goldd),#E5B843)}
.tc-green::before{background:linear-gradient(90deg,#16A34A,#22C55E)}
.tc-purple::before{background:linear-gradient(90deg,#7C3AED,#A78BFA)}
.tool-icon{width:44px;height:44px;border-radius:10px;display:grid;place-items:center;font-size:20px;margin-bottom:14px;flex-shrink:0}
.ti-blue{background:var(--bluel)}.ti-gold{background:var(--goldb)}.ti-green{background:#F0FDF4}.ti-purple{background:#F5F3FF}
.tool-badge{position:absolute;top:16px;right:16px;font-size:9.5px;font-weight:700;padding:2px 8px;border-radius:3px;letter-spacing:.4px;text-transform:uppercase}
.tb-new{background:var(--bluel);color:var(--blue)}.tb-pop{background:#F0FDF4;color:var(--green)}.tb-upd{background:var(--goldb);color:var(--gold)}
.tool-t{font-size:14.5px;font-weight:700;color:var(--navy);margin-bottom:6px;font-family:var(--sans)}
.tool-d{font-size:12px;color:var(--t3);line-height:1.6;margin-bottom:14px;flex:1}
.tool-tags{display:flex;flex-wrap:wrap;gap:5px}
.ttag{background:var(--g50);border:1px solid var(--br);border-radius:3px;padding:2px 8px;font-size:10.5px;color:var(--t2)}

.rates-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:11px;margin-top:28px}
.rate-card{background:var(--w);border:1px solid var(--br);border-radius:var(--r);padding:16px}
.rc-label{font-size:10px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--t3);margin-bottom:8px}
.rc-rate{font-family:var(--sans);font-size:22px;font-weight:800;color:var(--navy);line-height:1.15}
.rc-sub{font-size:11px;color:var(--t3);margin-top:3px}
.rc-upd{font-size:10px;color:var(--green);margin-top:8px;display:flex;align-items:center;gap:4px}

/* ── calculator pages ── */
.calc-hero{background:var(--navy);padding:38px 28px 32px;border-bottom:1px solid rgba(255,255,255,.07);position:relative;overflow:hidden}
.calc-hero-bg{position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.018) 1px,transparent 1px);background-size:26px 26px;pointer-events:none}
.calc-hero-inner{max-width:1280px;margin:0 auto;position:relative;z-index:1}
.ch-kicker{display:inline-flex;align-items:center;gap:6px;background:rgba(46,111,232,.2);border:1px solid rgba(46,111,232,.28);border-radius:4px;padding:3px 10px;font-size:9.5px;color:#93B4F8;font-weight:700;letter-spacing:.5px;text-transform:uppercase;margin-bottom:13px}
.ch-h{font-family:var(--sans);font-size:28px;font-weight:800;color:#fff;margin-bottom:8px;letter-spacing:-.4px;text-wrap:balance}
.ch-p{font-size:13px;color:rgba(255,255,255,.55);max-width:560px;line-height:1.7;text-wrap:pretty}
.ch-meta{display:flex;align-items:center;gap:8px;margin-top:14px;flex-wrap:wrap}
.ch-badge{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:4px;padding:3px 10px;font-size:10.5px;color:rgba(255,255,255,.65)}
.ch-back{color:rgba(255,255,255,.7);font-size:11.5px;display:inline-flex;align-items:center;gap:5px;margin-bottom:12px;cursor:pointer}
.ch-back:hover{color:#fff}

.calc-layout{max-width:1280px;margin:0 auto;padding:28px 28px 56px;display:grid;grid-template-columns:360px 1fr;gap:24px;align-items:start}
.calc-inputs{background:var(--w);border:1px solid var(--br);border-radius:14px;overflow:hidden;position:sticky;top:80px}
.ci-header{background:var(--g50);padding:16px 20px;border-bottom:1px solid var(--br);display:flex;align-items:center;justify-content:space-between;gap:8px}
.ci-title{font-size:13.5px;font-weight:700;color:var(--navy)}
.ci-badge{background:var(--bluel);color:var(--blue);font-size:10px;font-weight:700;padding:2px 8px;border-radius:3px;white-space:nowrap}
.ci-year-sel{font-size:11px;font-weight:600;color:var(--navy);border:1px solid var(--br2);border-radius:5px;padding:3px 20px 3px 7px;background:var(--w);appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='10' viewBox='0 0 24 24' fill='none' stroke='%23697390' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 5px center;cursor:pointer;outline:none}
.ci-year-sel:focus{border-color:var(--indigo)}
.ci-body{padding:18px 20px;display:flex;flex-direction:column;gap:14px;max-height:calc(100vh - 240px);overflow-y:auto}
.ci-group{display:flex;flex-direction:column;gap:4px}
.ci-label{font-size:11px;font-weight:700;color:var(--t2);letter-spacing:.2px;display:flex;align-items:center;justify-content:space-between;gap:8px}
.ci-hint{font-size:10px;color:var(--t3);font-weight:400}
.ci-input-wrap{position:relative}
.ci-prefix{position:absolute;left:11px;top:50%;transform:translateY(-50%);font-size:13.5px;font-weight:600;color:var(--t3);pointer-events:none}
.ci-suffix{position:absolute;right:11px;top:50%;transform:translateY(-50%);font-size:11.5px;color:var(--t3);pointer-events:none}
.ci-input{width:100%;border:1px solid var(--br2);border-radius:var(--rs);padding:9px 12px 9px 26px;font-size:14px;font-weight:600;color:var(--t1);outline:none;transition:border-color .15s;background:var(--w)}
.ci-input:focus{border-color:var(--indigo);box-shadow:0 0 0 3px rgba(99,102,241,.12)}
.ci-input.no-prefix{padding-left:12px}
.ci-input.with-suffix{padding-right:38px}
.ci-select{width:100%;border:1px solid var(--br2);border-radius:var(--rs);padding:9px 32px 9px 12px;font-size:13.5px;color:var(--t1);outline:none;background:var(--w);appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23697390' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 10px center;cursor:pointer}
.ci-select:focus{border-color:var(--indigo);box-shadow:0 0 0 3px rgba(99,102,241,.12)}
.ci-toggle{display:flex;gap:0;border:1px solid var(--br2);border-radius:var(--rs);overflow:hidden}
.ci-tog-btn{flex:1;background:var(--w);border:none;padding:8px 12px;font-size:12px;font-weight:500;color:var(--t2);cursor:pointer;transition:all .15s}
.ci-tog-btn.on{background:var(--navy);color:#fff}
.ci-divider{height:1px;background:var(--br);margin:2px 0}
.ci-section-label{font-size:10px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;color:var(--t3);margin:6px 0 -4px}
.ci-checkbox{display:flex;gap:8px;align-items:flex-start;padding:6px 0;cursor:pointer}
.ci-checkbox input{margin-top:3px;flex-shrink:0}
.ci-checkbox-lbl{font-size:12px;color:var(--t2);line-height:1.5}
.ci-footer{padding:14px 20px;border-top:1px solid var(--br);background:var(--g50);display:flex;gap:8px}
.ci-calc-btn{flex:1;background:var(--navy);color:#fff;border:none;padding:11px;border-radius:var(--rs);font-size:13px;font-weight:600;cursor:pointer;display:flex;align-items:center;justify-content:center;gap:7px;transition:background .15s}
.ci-calc-btn:hover{background:var(--navy2)}
.ci-reset-btn{background:var(--w);color:var(--t2);border:1px solid var(--br2);padding:11px 14px;border-radius:var(--rs);font-size:13px;font-weight:500;cursor:pointer;transition:all .15s}
.ci-reset-btn:hover{border-color:var(--blue2);color:var(--blue2)}

.calc-results{display:flex;flex-direction:column;gap:16px}
.results-empty{display:flex;flex-direction:column;align-items:center;justify-content:center;height:240px;background:var(--g50);border:1px dashed var(--br2);border-radius:14px;color:var(--t3);text-align:center;padding:20px;gap:8px}
.results-empty-icon{font-size:32px;opacity:.6}
.kpi-row{display:grid;grid-template-columns:repeat(3,1fr);gap:11px}
.kpi-row.k2{grid-template-columns:repeat(2,1fr)}
.kpi-row.k4{grid-template-columns:repeat(4,1fr)}
.kpi{background:var(--w);border:1px solid var(--br);border-radius:var(--r);padding:18px;position:relative;overflow:hidden}
.kpi::before{content:'';position:absolute;top:0;left:0;right:0;height:2px}
.kpi-primary::before{background:var(--indigo)}.kpi-gold::before{background:var(--goldd)}.kpi-red::before{background:var(--red)}.kpi-green::before{background:var(--green)}.kpi-navy::before{background:var(--navy)}.kpi-purple::before{background:#7C3AED}
.kpi-label{font-size:10.5px;font-weight:700;letter-spacing:.8px;text-transform:uppercase;color:var(--t3);margin-bottom:8px}
.kpi-value{font-family:var(--sans);font-size:26px;font-weight:800;color:var(--navy);letter-spacing:-.5px;animation:countUp .3s ease;line-height:1.1}
.kpi-sub{font-size:11px;color:var(--t3);margin-top:4px}
.kpi-monthly{font-size:12px;color:var(--blue2);font-weight:600;margin-top:3px}

.breakdown{background:var(--w);border:1px solid var(--br);border-radius:14px;overflow:hidden}
.bk-header{padding:14px 20px;border-bottom:1px solid var(--br);background:var(--g50);display:flex;align-items:center;justify-content:space-between;gap:8px}
.bk-title{font-size:13px;font-weight:700;color:var(--navy)}
.bk-toggle{display:flex;gap:0;border:1px solid var(--br2);border-radius:5px;overflow:hidden}
.bk-tog{background:var(--w);border:none;padding:5px 12px;font-size:11.5px;color:var(--t2);cursor:pointer;transition:all .15s}
.bk-tog.on{background:var(--navy);color:#fff}
.bk-row{display:grid;grid-template-columns:1fr auto auto;gap:0 20px;padding:12px 20px;border-bottom:1px solid var(--br);align-items:center}
.bk-row:last-child{border:none}
.bk-row.total{background:var(--g50);font-weight:700}
.bk-row.net{background:var(--bluel)}
.bk-name{font-size:13px;color:var(--t1);display:flex;align-items:center;gap:7px}
.bk-dot{width:8px;height:8px;border-radius:50%;flex-shrink:0}
.bk-pct{font-size:11.5px;color:var(--t3);text-align:right;min-width:40px}
.bk-amt{font-size:13.5px;font-weight:600;color:var(--navy);text-align:right;min-width:80px;font-family:var(--mono)}
.bk-row.total .bk-amt{color:var(--red)}
.bk-row.net .bk-amt{color:var(--blue2);font-size:14.5px}

.chart-section{background:var(--w);border:1px solid var(--br);border-radius:14px;padding:20px}
.chart-title{font-size:13px;font-weight:700;color:var(--navy);margin-bottom:16px;display:flex;align-items:center;justify-content:space-between;gap:8px}
.donut-wrap{display:flex;align-items:center;gap:24px;flex-wrap:wrap}
.donut-svg{flex-shrink:0}
.donut-legend{display:flex;flex-direction:column;gap:10px;flex:1;min-width:200px}
.dl-item{display:flex;align-items:center;gap:8px}
.dl-dot{width:10px;height:10px;border-radius:2px;flex-shrink:0}
.dl-name{font-size:12px;color:var(--t2);flex:1}
.dl-val{font-size:12px;font-weight:700;color:var(--navy);font-family:var(--mono)}
.dl-pct{font-size:11px;color:var(--t3);min-width:42px;text-align:right}

.corp-band{display:flex;flex-direction:column;gap:8px;margin-top:6px}
.corp-band-row{display:flex;gap:10px;align-items:center;font-size:12px;flex-wrap:wrap}
.corp-band-label{color:var(--t2);width:220px;flex-shrink:0}
.corp-band-bar{flex:1;height:6px;background:var(--g200);border-radius:3px;overflow:hidden;min-width:80px}
.corp-band-fill{height:100%;border-radius:3px;transition:width .5s ease}
.corp-band-val{color:var(--navy);font-weight:700;min-width:80px;text-align:right;font-family:var(--mono);font-size:11.5px}

.tips-sidebar{display:flex;flex-direction:column;gap:12px}
.tip-card{background:var(--w);border:1px solid var(--br);border-radius:var(--r);padding:16px}
.tip-label{font-size:10px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--t3);margin-bottom:8px}
.tip-item{display:flex;gap:8px;font-size:12.5px;color:var(--t2);line-height:1.6;margin-bottom:9px;padding-bottom:9px;border-bottom:1px solid var(--br)}
.tip-item:last-child{border:none;margin-bottom:0;padding-bottom:0}
.tip-icon{font-size:14px;flex-shrink:0;margin-top:1px;color:var(--blue2)}

.notes-section{background:var(--bluel);border:1px solid var(--bluel2);border-radius:var(--r);padding:18px 20px}
.notes-title{font-size:12px;font-weight:700;color:var(--navy);margin-bottom:8px;display:flex;align-items:center;gap:6px}
.notes-body{font-size:12px;color:var(--t2);line-height:1.75}

.calc-actions{display:flex;gap:9px;justify-content:flex-end;flex-wrap:wrap}
.calc-related{background:var(--w);border:1px solid var(--br);border-radius:14px;padding:20px}
.calc-related-t{font-size:13px;font-weight:700;color:var(--navy);margin-bottom:14px}
.calc-related-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.crel{display:flex;align-items:center;gap:10px;background:var(--g50);border:1px solid var(--br);border-radius:8px;padding:11px 13px;cursor:pointer;transition:all .12s}
.crel:hover{border-color:var(--blue2);background:var(--w)}
.crel-icon{font-size:18px;flex-shrink:0}
.crel-t{font-size:12px;font-weight:600;color:var(--navy);line-height:1.3}
.crel-s{font-size:10.5px;color:var(--t3);margin-top:2px}

/* ── deadlines hub ── */
.dh-tabs{display:flex;gap:6px;margin-bottom:18px;border-bottom:1px solid var(--br);overflow-x:auto;-webkit-overflow-scrolling:touch}
.dh-tab{padding:9px 14px;font-size:12px;color:var(--t3);background:none;border:none;border-bottom:2px solid transparent;cursor:pointer;transition:all .12s;white-space:nowrap}
.dh-tab:hover{color:var(--navy)}
.dh-tab.on{color:var(--indigo);border-color:var(--indigo);font-weight:600}
.dh-cal{display:grid;grid-template-columns:repeat(7,1fr);gap:1px;background:var(--br);border:1px solid var(--br);border-radius:var(--r);overflow:hidden;margin-bottom:24px}
.dh-cal-h{background:var(--g50);padding:10px 8px;text-align:center;font-size:10.5px;color:var(--t3);font-weight:700;letter-spacing:.6px;text-transform:uppercase}
.dh-cal-c{background:var(--w);min-height:72px;padding:7px;font-size:11px;color:var(--t2);position:relative;display:flex;flex-direction:column;gap:4px}
.dh-cal-c.out{background:var(--g25);color:var(--t4)}
.dh-cal-c.today{background:var(--bluel)}
.dh-cal-c.today .dh-cal-n{color:var(--blue2);font-weight:700}
.dh-cal-n{font-size:11.5px;color:var(--t2);font-weight:600}
.dh-cal-tag{font-size:9.5px;padding:2px 5px;border-radius:3px;line-height:1.25;cursor:pointer}
.dh-list{display:flex;flex-direction:column;gap:9px}
.dh-list-row{display:grid;grid-template-columns:90px 1fr auto auto;gap:14px;background:var(--w);border:1px solid var(--br);border-radius:var(--r);padding:14px 18px;align-items:center}
.dh-list-row:hover{border-color:var(--blue2)}
.dh-list-date{font-family:var(--sans);font-size:18px;font-weight:800;color:var(--navy);line-height:1.1}
.dh-list-date small{display:block;font-family:var(--sans);font-size:11px;color:var(--t3);font-weight:400;margin-top:3px}
.dh-list-nm{font-size:13px;font-weight:600;color:var(--t1);margin-bottom:3px}
.dh-list-ds{font-size:11.5px;color:var(--t3);line-height:1.5}
.dh-list-cat{font-size:10px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;padding:3px 9px;border-radius:3px}

/* ── insights/blog page ── */
.blog-toolbar{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-bottom:8px}
.blog-search-wrap{display:flex;align-items:center;gap:7px;background:var(--w);border:1px solid var(--br2);border-radius:var(--rs);padding:8px 13px;flex:1;max-width:340px;min-width:200px}
.blog-search-wrap input{border:none;outline:none;font-size:13px;color:var(--t1);background:none;width:100%}
.cat-pills{display:flex;gap:6px;flex-wrap:wrap}
.featured-art{display:grid;grid-template-columns:1fr 1.2fr;gap:24px;background:var(--w);border:1px solid var(--br);border-radius:16px;overflow:hidden;margin-bottom:36px;cursor:pointer;transition:border-color .15s,box-shadow .15s}
.featured-art:hover{border-color:var(--indigo);box-shadow:var(--shadow-indigo)}
.fa-thumb{min-height:240px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden}
.fa-thumb-grid{position:absolute;inset:0;opacity:.4;background-image:linear-gradient(var(--br) 1px,transparent 1px),linear-gradient(90deg,var(--br) 1px,transparent 1px);background-size:24px 24px}
.fa-thumb-ic{position:relative;z-index:1;width:64px;height:64px;border-radius:14px;display:grid;place-items:center;font-size:30px}
.fa-body{padding:32px 28px;display:flex;flex-direction:column;justify-content:center}
.fa-tag{display:inline-flex;align-items:center;gap:5px;font-size:10px;font-weight:700;color:var(--blue2);letter-spacing:1.5px;text-transform:uppercase;margin-bottom:9px}
.fa-h{font-family:var(--sans);font-size:24px;font-weight:700;color:var(--navy);line-height:1.25;margin-bottom:10px;text-wrap:balance}
.fa-p{font-size:13.5px;color:var(--t2);line-height:1.7;margin-bottom:14px;text-wrap:pretty}
.fa-meta{display:flex;align-items:center;gap:10px;font-size:11.5px;color:var(--t3)}

/* post layout */
.post-head{background:var(--g50);border-bottom:1px solid var(--br);padding:38px 28px}
.post-head-inner{max-width:840px;margin:0 auto}
.post-tags{display:flex;gap:7px;margin-bottom:14px;flex-wrap:wrap}
.post-tag{background:var(--bluel);color:var(--blue2);font-size:9.5px;font-weight:700;padding:2px 9px;border-radius:3px;letter-spacing:1px;text-transform:uppercase}
.post-h1{font-family:var(--sans);font-size:34px;font-weight:800;color:var(--navy);letter-spacing:-.5px;line-height:1.15;margin-bottom:14px;text-wrap:balance}
.post-meta{font-size:12px;color:var(--t3);display:flex;gap:12px;flex-wrap:wrap}
.post-meta strong{color:var(--navy)}
.post-body{max-width:840px;margin:0 auto;padding:40px 28px 56px}
.post-body h2{font-family:var(--sans);font-size:22px;font-weight:700;color:var(--navy);margin:32px 0 12px;text-wrap:balance}
.post-body h3{font-family:var(--sans);font-size:17px;font-weight:600;color:var(--navy);margin:24px 0 10px}
.post-body p{font-size:15px;color:var(--t2);line-height:1.85;margin-bottom:18px;text-wrap:pretty}
.post-body ul,.post-body ol{margin:0 0 18px 22px}
.post-body li{font-size:15px;color:var(--t2);line-height:1.85;margin-bottom:8px}
.post-body a{color:var(--blue2);border-bottom:1px solid var(--bluel2)}
.post-body a:hover{border-color:var(--blue2)}
.post-body blockquote{border-left:3px solid var(--blue2);padding:6px 18px;margin:18px 0;font-style:italic;color:var(--t2)}
.post-body .callout{background:var(--bluel);border-left:3px solid var(--blue2);border-radius:0 8px 8px 0;padding:14px 18px;margin:20px 0;font-size:14px;color:var(--t2);line-height:1.7}

/* ── admin ── */
.admin-shell{display:grid;grid-template-columns:230px 1fr;min-height:calc(100vh - 62px)}
.adm-sb{background:var(--navy);padding:18px 0;display:flex;flex-direction:column;gap:1px}
.adm-sbl{padding:0 16px 16px;border-bottom:1px solid rgba(255,255,255,.07);margin-bottom:6px}
.asl-t{font-family:var(--sans);font-size:13px;font-weight:700;color:#fff}
.asl-s{font-size:9.5px;color:rgba(255,255,255,.35);letter-spacing:.4px}
.sb-i{padding:9px 16px;display:flex;align-items:center;gap:9px;font-size:12px;color:rgba(255,255,255,.5);cursor:pointer;transition:all .12s;border-left:2px solid transparent}
.sb-i:hover{color:rgba(255,255,255,.85);background:rgba(255,255,255,.04)}
.sb-i.on{color:#fff;border-color:var(--blue3);background:rgba(255,255,255,.07)}
.sb-ic{width:16px;text-align:center;font-size:13px}
.sb-sep{margin:8px 16px;height:1px;background:rgba(255,255,255,.07)}
.sb-section{font-size:9px;font-weight:700;color:rgba(255,255,255,.3);letter-spacing:1.4px;text-transform:uppercase;padding:8px 16px 4px}
.adm-main{background:var(--g50);padding:26px;min-width:0;overflow-x:hidden}
.adm-bar{display:flex;align-items:center;justify-content:space-between;margin-bottom:22px;flex-wrap:wrap;gap:10px}
.adm-t{font-family:var(--sans);font-size:22px;font-weight:700;color:var(--navy)}
.adm-mets{display:grid;grid-template-columns:repeat(4,1fr);gap:11px;margin-bottom:20px}
.adm-m{background:var(--w);border:1px solid var(--br);border-radius:var(--r);padding:16px}
.adm-ml{font-size:10.5px;color:var(--t3);margin-bottom:4px}
.adm-mn{font-family:var(--sans);font-size:22px;font-weight:800;color:var(--navy);line-height:1.15}
.adm-md{font-size:10px;color:var(--green);margin-top:3px}
.adm-tbl{background:var(--w);border:1px solid var(--br);border-radius:var(--r);overflow:hidden}
.adm-th{padding:13px 18px;border-bottom:1px solid var(--br);display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px}
.adm-tt{font-size:13px;font-weight:700;color:var(--navy)}
.tbl-s{display:flex;align-items:center;gap:7px;background:var(--g50);border:1px solid var(--br);border-radius:var(--rs);padding:6px 11px}
.tbl-s input{background:none;border:none;outline:none;font-size:12px;color:var(--t1);width:150px}
.adm-tbl-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;min-width:600px}
th{padding:10px 16px;font-size:10px;font-weight:700;color:var(--t3);text-align:left;border-bottom:1px solid var(--br);background:var(--g50);text-transform:uppercase;letter-spacing:.8px;white-space:nowrap}
td{padding:12px 16px;font-size:12.5px;color:var(--t2);border-bottom:1px solid var(--br);vertical-align:middle}
tr:last-child td{border:none}
tr:hover td{background:var(--g50)}
.sp{display:inline-block;padding:2px 8px;border-radius:20px;font-size:10px;font-weight:600;white-space:nowrap}
.sp-pub{background:#F0FDF4;color:var(--green)}
.sp-draft{background:#FFFBEB;color:var(--amber)}
.sp-sched{background:var(--bluel);color:var(--blue)}
.pa{display:flex;gap:5px;flex-wrap:wrap}
.pa-b{background:var(--g50);border:1px solid var(--br);border-radius:5px;padding:3px 9px;font-size:10.5px;color:var(--t2);cursor:pointer;transition:all .12s;white-space:nowrap}
.pa-b:hover{border-color:var(--blue2);color:var(--blue2)}
.pa-b.del:hover{border-color:#EF4444;color:#EF4444}
.ed-grid{display:grid;grid-template-columns:1fr 280px;gap:18px;align-items:start}
.ed-card{background:var(--w);border:1px solid var(--br);border-radius:var(--r);overflow:hidden}
.ed-card-h{padding:13px 18px;border-bottom:1px solid var(--br);background:var(--g50);font-size:12px;font-weight:700;color:var(--navy);display:flex;align-items:center;justify-content:space-between}
.ed-card-b{padding:16px 18px}
.ed-toolbar{padding:9px 14px;border-bottom:1px solid var(--br);display:flex;gap:3px;flex-wrap:wrap;background:var(--g50)}
.tb-b{background:none;border:1px solid transparent;border-radius:4px;padding:5px 9px;font-size:12px;color:var(--t2);cursor:pointer;transition:all .12s;font-weight:500}
.tb-b:hover{background:var(--w);border-color:var(--br2);color:var(--navy)}
.tb-sep{width:1px;height:17px;background:var(--br);margin:0 3px;align-self:center}
.ed-area{width:100%;min-height:340px;border:none;outline:none;padding:18px;font-size:14px;color:var(--t1);line-height:1.85;resize:vertical;font-family:var(--sans)}
.ed-area:empty:before{content:attr(data-placeholder);color:var(--t4)}
.fg{display:flex;flex-direction:column;gap:4px;margin-bottom:13px}
.fl{font-size:11px;font-weight:700;color:var(--t2);letter-spacing:.2px;display:flex;justify-content:space-between;align-items:center;gap:8px}
.fl-hint{font-size:10px;color:var(--t3);font-weight:400}
.fi{border:1px solid var(--br2);border-radius:var(--rs);padding:9px 12px;font-size:13px;color:var(--t1);outline:none;transition:border-color .12s;background:var(--w);width:100%;font-family:inherit}
.fi:focus{border-color:var(--indigo);box-shadow:0 0 0 3px rgba(99,102,241,.12)}
.fsel{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%23697390' stroke-width='2'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 10px center;padding-right:32px;cursor:pointer}
.succ{display:none;background:#F0FDF4;border:1px solid #BBF7D0;border-radius:var(--rs);padding:12px 16px;font-size:12.5px;color:var(--green);align-items:center;gap:8px;margin-top:12px}
.succ.show{display:flex}
.media-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(140px,1fr));gap:11px;margin-top:14px}
.media-tile{background:var(--g50);border:1px solid var(--br);border-radius:9px;aspect-ratio:4/3;display:flex;flex-direction:column;align-items:center;justify-content:center;cursor:pointer;transition:all .12s;position:relative;overflow:hidden;font-size:32px}
.media-tile:hover{border-color:var(--blue2)}
.media-tile-name{position:absolute;left:0;right:0;bottom:0;background:rgba(11,29,78,.85);color:#fff;font-size:10px;padding:5px 8px;text-align:center;font-weight:500}
.media-upload{background:var(--w);border:2px dashed var(--br2);border-radius:9px;aspect-ratio:4/3;display:flex;flex-direction:column;align-items:center;justify-content:center;cursor:pointer;color:var(--t3);font-size:11px;transition:all .12s;gap:5px}
.media-upload:hover{border-color:var(--blue2);color:var(--blue2)}
.media-upload-ic{font-size:22px}

/* admin login */
.login-shell{min-height:calc(100vh - 62px);display:grid;place-items:center;padding:30px;background:linear-gradient(180deg,var(--g50),var(--w))}
.login-card{background:var(--w);border:1px solid var(--br);border-radius:14px;padding:36px 32px;max-width:380px;width:100%;box-shadow:var(--shadow)}
.login-h{font-family:var(--sans);font-size:24px;font-weight:700;color:var(--navy);margin-bottom:6px}
.login-s{font-size:12.5px;color:var(--t3);margin-bottom:24px;line-height:1.65}
.login-hint{margin-top:14px;background:var(--bluel);border:1px solid var(--bluel2);border-radius:8px;padding:10px 13px;font-size:11.5px;color:var(--t2);line-height:1.6}
.login-hint code{background:var(--w);border:1px solid var(--br);padding:1px 5px;border-radius:3px;font-family:var(--mono);font-size:11px}

/* ── newsletter ── */
.nl-wrap{background:var(--navy);padding:60px 28px;position:relative;overflow:hidden}
.nl-bg{position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.02) 1px,transparent 1px);background-size:26px 26px;pointer-events:none}
.nl-circ{position:absolute;top:-80px;right:-80px;width:360px;height:360px;border-radius:50%;border:56px solid rgba(255,255,255,.02);pointer-events:none}
.nl-inner{max-width:1280px;margin:0 auto;display:grid;grid-template-columns:1fr 400px;gap:60px;align-items:center;position:relative;z-index:1}
.nl-t{font-family:var(--sans);font-size:28px;font-weight:800;color:#fff;line-height:1.2;margin-bottom:12px;text-wrap:balance}
.nl-p{font-size:13px;color:rgba(255,255,255,.55);line-height:1.8;margin-bottom:20px;text-wrap:pretty}
.nl-pts{display:flex;flex-direction:column;gap:7px}
.nl-pt{display:flex;align-items:center;gap:7px;font-size:12px;color:rgba(255,255,255,.5)}
.nl-pt-ck{color:#4ADE80;font-size:13px}
.nl-fw{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.09);border-radius:13px;padding:24px}
.nl-ft{font-size:13.5px;font-weight:700;color:#fff;margin-bottom:3px}
.nl-fs{font-size:11.5px;color:rgba(255,255,255,.4);margin-bottom:16px}
.nl-f{width:100%;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.11);border-radius:var(--rs);padding:10px 13px;font-size:13px;color:#fff;outline:none;margin-bottom:9px;transition:border-color .15s}
.nl-f:focus{border-color:rgba(255,255,255,.3)}
.nl-f::placeholder{color:rgba(255,255,255,.3)}
.nl-sub{width:100%;background:#fff;color:var(--navy);border:none;padding:11px;border-radius:var(--rs);font-size:13px;font-weight:700;cursor:pointer;transition:background .12s}
.nl-sub:hover{background:var(--g100)}
.nl-prv{font-size:10px;color:rgba(255,255,255,.3);margin-top:9px;text-align:center}
.nl-suc{display:none;padding:18px 0;text-align:center;font-size:13px;color:rgba(255,255,255,.7)}
.nl-suc.show{display:block}

/* ── about page ── */
.ey-indigo-light{color:rgba(165,180,252,0.85)}
.about-hero{background:var(--midnight);position:relative;overflow:hidden;padding:72px 28px 64px;border-bottom:1px solid rgba(255,255,255,.06)}
.about-hero-bg{position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.025) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.025) 1px,transparent 1px);background-size:40px 40px;pointer-events:none}
.about-hero-inner{max-width:840px;margin:0 auto;position:relative;z-index:1}
.about-hero-h{font-family:var(--sans);font-size:46px;font-weight:800;line-height:1.1;color:#fff;margin-bottom:22px;letter-spacing:-.3px;text-wrap:balance}
.about-hero-h em{color:#a5b4fc;font-style:italic}
.about-hero-p{font-size:15px;color:rgba(255,255,255,.55);line-height:1.85;max-width:680px;text-wrap:pretty}

.about-facts{background:var(--navy);border-bottom:1px solid rgba(255,255,255,.06)}
.about-facts-inner{max-width:1280px;margin:0 auto;padding:28px;display:flex;align-items:center;justify-content:space-around;flex-wrap:wrap;gap:0}
.about-fact{padding:16px 24px;text-align:center;flex:1;min-width:120px}
.about-fact-n{font-family:var(--mono);font-size:28px;font-weight:500;color:#fff;letter-spacing:-.5px;line-height:1}
.about-fact-l{font-size:11.5px;color:rgba(255,255,255,.5);margin-top:6px}
.about-fact-s{font-size:10px;color:#4ade80;margin-top:4px}
.about-fact-sep{width:1px;height:40px;background:rgba(255,255,255,.07);flex-shrink:0}

.about-split{display:grid;grid-template-columns:1fr 400px;gap:56px;align-items:start}
.about-split-main{}
.about-split-side{}
.about-body-p{font-size:14.5px;color:var(--ink2);line-height:1.85;margin-bottom:16px;text-wrap:pretty}
.about-body-p em{color:var(--indigo);font-style:normal;font-weight:500}

.about-methodology-card{background:var(--w);border:1px solid var(--br);border-radius:14px;padding:24px;position:sticky;top:90px}
.about-method-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:0}
.about-method-item{display:flex;gap:10px;font-size:13px;color:var(--ink2);line-height:1.65;padding:11px 0;border-bottom:1px solid var(--br)}
.about-method-item:last-child{border:none;padding-bottom:0}
.about-method-ck{color:var(--teal2);font-weight:700;flex-shrink:0;margin-top:1px}

.about-audience-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.about-audience-card{background:var(--w);border:1px solid var(--br);border-radius:var(--r);padding:22px;transition:border-color .15s,box-shadow .15s}
.about-audience-card:hover{border-color:var(--indigo);box-shadow:var(--shadow-indigo)}
.about-audience-label{font-family:var(--sans);font-size:17px;font-weight:600;color:var(--navy);margin-bottom:10px}
.about-audience-desc{font-size:12.5px;color:var(--ink3);line-height:1.7}

.about-services-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.about-service-card{background:var(--w);border:1px solid var(--br);border-radius:var(--r);padding:22px;display:flex;flex-direction:column;transition:border-color .15s}
.about-service-card:hover{border-color:var(--indigo)}
.about-service-title{font-family:var(--sans);font-size:17px;font-weight:600;color:var(--navy);margin-bottom:10px;padding-bottom:10px;border-bottom:2px solid var(--indigo);display:inline-block;width:100%}
.about-service-desc{font-size:12.5px;color:var(--ink3);line-height:1.7;flex:1}

.about-transparency{background:var(--navy);padding:64px 28px;border-top:1px solid rgba(255,255,255,.06)}
.about-transparency-inner{max-width:720px;margin:0 auto}
.about-transparency-p{font-size:14px;color:rgba(255,255,255,.55);line-height:1.85;text-wrap:pretty}

/* about responsive */
@media(max-width:960px){
  .about-split{grid-template-columns:1fr;gap:32px}
  .about-methodology-card{position:static}
  .about-audience-grid,.about-services-grid{grid-template-columns:repeat(2,1fr)}
  .about-hero-h{font-size:34px}
  .about-facts-inner{justify-content:flex-start;overflow-x:auto;min-width:0}
  .about-fact-sep{display:none}
}
@media(max-width:640px){
  .about-hero{padding:48px 18px 44px}
  .about-hero-h{font-size:28px}
  .about-audience-grid,.about-services-grid{grid-template-columns:1fr}
  .about-facts-inner{gap:0;flex-wrap:nowrap}
  .about-fact{padding:14px 16px;min-width:110px}
  .about-fact-n{font-size:22px}
}

/* ── shared utilities ── */
.section-tag{display:inline-flex;align-items:center;gap:6px;background:var(--bluel);color:var(--blue);font-size:9.5px;font-weight:700;padding:2px 9px;border-radius:3px;letter-spacing:.8px;text-transform:uppercase}
.divider-rule{height:1px;background:var(--br);border:none;margin:24px 0}

/* ── account widget (nav) ── */
.acct-wrap{position:relative}
.acct-chip{display:flex;align-items:center;gap:9px;padding:5px 10px 5px 5px;border:1px solid var(--br);border-radius:24px;cursor:pointer;transition:all .15s;background:var(--w)}
.acct-chip:hover{border-color:var(--indigo);background:var(--g25)}
.acct-av{width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:10.5px;font-weight:700;flex-shrink:0}
.acct-av-l{width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:12.5px;font-weight:700}
.acct-meta{display:flex;flex-direction:column;line-height:1.1}
.acct-name{font-size:12px;font-weight:600;color:var(--navy)}
.acct-plan{font-size:10px;color:var(--t3);margin-top:1px}
.acct-menu{position:absolute;top:calc(100% + 8px);right:0;width:240px;background:var(--w);border:1px solid var(--br);border-radius:11px;box-shadow:var(--shadow-lg);padding:6px;opacity:0;transform:translateY(-4px);pointer-events:none;transition:all .18s;z-index:910}
.acct-menu.on{opacity:1;transform:translateY(0);pointer-events:auto}
.acct-menu-h{padding:14px;border-radius:8px;background:var(--g25);margin-bottom:6px;display:flex;justify-content:space-between;align-items:flex-start;gap:10px}
.acct-menu a{display:block;padding:9px 12px;font-size:12.5px;color:var(--t2);border-radius:6px;cursor:pointer;transition:background .12s}
.acct-menu a:hover{background:var(--g50);color:var(--navy)}
.acct-menu-sep{height:1px;background:var(--br);margin:4px 6px}

/* ── pricing ── */
.pricing-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.pricing-card{background:var(--w);border:1px solid var(--br);border-radius:14px;padding:28px 24px;position:relative;transition:border-color .15s,transform .18s,box-shadow .15s}
.pricing-card:hover{border-color:var(--indigo);transform:translateY(-3px);box-shadow:var(--shadow-indigo)}
.pricing-card.pc-premium{border-color:var(--indigo);background:linear-gradient(180deg,var(--indigol) 0%,var(--w) 30%);box-shadow:var(--shadow-indigo)}
.pc-plan{font-family:var(--sans);font-size:18px;font-weight:700;color:var(--navy);margin-bottom:14px}
.pc-price{display:flex;align-items:baseline;gap:6px;margin-bottom:8px}
.pc-amt{font-family:var(--sans);font-size:42px;font-weight:800;color:var(--navy);letter-spacing:-1px}
.pc-per{font-size:13px;color:var(--t3)}
.pc-desc{font-size:12.5px;color:var(--t3);line-height:1.6;margin-bottom:16px}
.pc-list{list-style:none;padding:0;margin:0}
.pc-list li{font-size:12.5px;color:var(--t2);line-height:1.6;padding:7px 0;border-bottom:1px solid var(--br)}
.pc-list li:last-child{border:none}

/* ═══════════════════════════════════════════════════════════
   RESPONSIVE
   ─────────────────────────────────────────────────────────── */
@media (max-width:1100px){
  .hero-inner{grid-template-columns:1fr 340px;gap:36px}
  .th-inner{grid-template-columns:1fr 300px;gap:32px}
  .nl-inner{grid-template-columns:1fr 360px;gap:40px}
  .calc-layout{grid-template-columns:330px 1fr;gap:18px}
  .ed-grid{grid-template-columns:1fr 260px}
}
@media (max-width:960px){
  .hero-inner,.th-inner,.nl-inner,.cta-bi{grid-template-columns:1fr;gap:28px}
  .dpanel,.th-stats{order:2}
  .sbar{grid-template-columns:repeat(2,1fr)}
  .kpi-row,.kpi-row.k4{grid-template-columns:1fr 1fr}
  .dl-grid,.rates-grid,.adm-mets{grid-template-columns:repeat(2,1fr)}
  .tc-grid,.bc-grid,.tools-grid{grid-template-columns:1fr 1fr}
  .nav-links,.ntel,.nr .btn-ghost{display:none}
  .ham{display:flex}
  .admin-shell{grid-template-columns:1fr}
  .adm-sb{display:flex;flex-direction:row;overflow-x:auto;padding:0;gap:0;-webkit-overflow-scrolling:touch}
  .adm-sbl{display:none}
  .sb-i{border-left:none;border-bottom:2px solid transparent;padding:13px 14px;white-space:nowrap;flex-shrink:0}
  .sb-i.on{border-left-color:transparent;border-bottom-color:var(--blue3)}
  .sb-sep,.sb-section{display:none}
  .hmrc-lay{grid-template-columns:1fr}
  .hmrc-sb{border-right:none;border-bottom:1px solid var(--br);padding:26px 0}
  .hmrc-feed{padding:20px 0 0}
  .f-main{grid-template-columns:1fr 1fr;gap:32px}
  .calc-layout{grid-template-columns:1fr;padding:20px 18px 48px}
  .calc-inputs{position:static}
  .ci-body{max-height:none}
  .calc-related-grid{grid-template-columns:1fr 1fr}
  .featured-art{grid-template-columns:1fr}
  .fa-thumb{min-height:180px}
  .ed-grid{grid-template-columns:1fr}
  .pricing-grid{grid-template-columns:1fr}
  .taxcfg-grid{grid-template-columns:1fr !important}
  .account-grid{grid-template-columns:1fr !important}
  .post-body{padding:32px 22px 48px}
  .donut-wrap{flex-direction:column;align-items:flex-start}
  .donut-svg{align-self:center}
  .cta-ba{align-items:flex-start}
}
@media (max-width:680px){
  html{font-size:13.5px}
  .nav-inner{padding:0 16px;height:58px;gap:10px}
  .mob{top:58px}
  .ln{font-size:13px}.ls{display:none}
  .ann{font-size:11px;padding:8px 14px}
  .sec{padding:48px 18px}.sec-sm{padding:32px 18px}
  .hero-inner{padding:36px 18px 36px;gap:24px}
  .hero h1{font-size:30px}
  .hero-sub{font-size:14px}
  .hero-kicker{font-size:9.5px}
  .tools-hero,.calc-hero{padding:32px 18px 28px}
  .th-h{font-size:28px}
  .ch-h{font-size:22px}
  .sec-h{font-size:24px}
  .sbar{grid-template-columns:1fr 1fr}
  .sc{padding:18px 14px}
  .sc-n{font-size:24px}
  .kpi-row,.kpi-row.k4{grid-template-columns:1fr 1fr;gap:8px}
  .kpi{padding:14px}
  .kpi-value{font-size:21px}
  .dl-grid,.rates-grid,.adm-mets{grid-template-columns:1fr 1fr;gap:8px}
  .tc-grid,.bc-grid,.tools-grid{grid-template-columns:1fr;gap:11px}
  .f-main{grid-template-columns:1fr;gap:24px;padding:36px 18px 22px}
  .f-bot{padding:14px 18px;flex-direction:column;align-items:flex-start;gap:8px}
  .cta-band{padding:32px 18px}
  .cta-bi{grid-template-columns:1fr;gap:14px}
  .cta-bh{font-size:20px}
  .nl-wrap{padding:40px 18px}
  .nl-t{font-size:22px}
  .nl-inner{gap:24px}
  .nl-fw{padding:18px}
  .hmrc-lay{padding:0 18px}
  .calc-layout{padding:16px 18px 40px;gap:14px}
  .calc-hero-inner{padding:0 18px}
  .sec-inner{padding:0 18px}
  .about-hero-inner{padding:0 18px}
  .pm-hero-content{padding:0 18px}
  .pm-about-inner{padding:0 18px}
  .calc-inputs{border-radius:10px}
  .ci-body{padding:14px 16px}
  .ci-input{font-size:16px} /* prevent iOS zoom */
  .ci-select{font-size:16px}
  .fi{font-size:16px}
  .breakdown,.chart-section{border-radius:10px}
  .chart-section{padding:14px}
  .bk-row{padding:10px 14px;grid-template-columns:1fr auto;gap:0 14px}
  .bk-pct{display:none}
  .bk-amt{font-size:12.5px;min-width:auto}
  .bk-name{font-size:12px}
  .admin-shell{min-height:auto}
  .adm-main{padding:18px 14px}
  .adm-t{font-size:18px}
  .adm-mets{grid-template-columns:1fr 1fr;gap:8px}
  .adm-m{padding:13px}
  .adm-mn{font-size:18px}
  .ed-area{min-height:240px;padding:14px;font-size:16px}
  .login-card{padding:26px 22px}
  .dh-list-row{grid-template-columns:80px 1fr;gap:10px;padding:12px 14px}
  .dh-list-cat{grid-column:1/-1;margin-top:6px;justify-self:flex-start}
  .dh-list-row .pa{grid-column:1/-1;margin-top:6px}
  .post-h1{font-size:24px}
  .post-body h2{font-size:20px}
  .post-body p,.post-body li{font-size:14.5px}
  .post-head{padding:30px 18px}
  .post-body{padding:28px 18px 40px}
  .crumbs{padding:12px 18px 0}
  .corp-band-row{flex-wrap:wrap}
  .corp-band-label{width:100%}
  .corp-band-val{min-width:auto}
  .dpanel{margin:0 -2px}
  .dp-mets{grid-template-columns:1fr 1fr 1fr;gap:5px}
  .dp-m{padding:8px}
  .dp-mn{font-size:16px}
  .featured-art{margin-bottom:24px}
  .fa-body{padding:22px 20px}
  .fa-h{font-size:20px}
  .blog-toolbar{flex-direction:column;align-items:stretch}
  .blog-search-wrap{max-width:none}
  .toast{left:14px;right:14px;bottom:14px;max-width:none}
  .acct-chip .acct-meta{display:none}
  .acct-menu{right:auto;left:0;width:230px}
  .contact-grid{grid-template-columns:1fr!important}
  .contact-grid aside{order:2}
  .svc-modal-inner{padding:20px!important}
}

/* Responsive grid overrides for desktop */
@media(min-width:681px){
  .contact-grid{grid-template-columns:1fr 340px!important;gap:36px!important}
  .scout-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px}
}
@media(max-width:680px){
  .scout-grid{display:grid;grid-template-columns:1fr;gap:24px}
  .name-row{grid-template-columns:1fr!important}
}

/* ═══════════════════════════════════════════════════════════
   PRINT (for calculator PDF summary)
   ─────────────────────────────────────────────────────────── */
@media print{
  body{background:#fff !important}
  #nav,.ann,.mob,.crumbs,.calc-inputs,.ci-footer,.calc-actions,.calc-related,
  footer,.cta-band,.nl-wrap,.toast,.loader,.tips-sidebar{display:none !important}
  .page{display:block !important}
  .page:not(.active){display:none !important}
  .calc-hero{background:#fff !important;color:var(--navy) !important;border-bottom:2px solid var(--navy)}
  .calc-hero *{color:var(--navy) !important}
  .ch-badge{background:none !important;border:1px solid #888 !important;color:#444 !important}
  .calc-layout{grid-template-columns:1fr !important;padding:0 !important}
  .breakdown,.chart-section,.kpi{break-inside:avoid;page-break-inside:avoid;border:1px solid #999 !important;box-shadow:none !important}
  .kpi-row{grid-template-columns:repeat(3,1fr) !important}
  .print-only{display:block !important}
}
.print-only{display:none}

/* ═══════════════════════════════════════════════════════════
   ENHANCEMENTS (post-rebuild) — hero video, branding, motion
   ─────────────────────────────────────────────────────────── */

/* ── Hero card (right panel) ── */
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:24px 26px}
.hc-header{padding-bottom:16px;margin-bottom:16px;border-bottom:1px solid rgba(255,255,255,.08)}
.hc-label{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:rgba(255,255,255,.45);margin-bottom:4px}
.hc-sub{font-size:13px;font-weight:600;color:#fff}
.hc-list{list-style:none;display:flex;flex-direction:column;gap:10px}
.hc-list li{display:flex;align-items:center;gap:10px;font-size:13px;color:rgba(255,255,255,.72);font-weight:500}
.hc-list li::before{content:'';width:5px;height:5px;border-radius:50%;background:#818CF8;flex-shrink:0}

/* ── Branding refinement: navbar logo polish ── */
.logo .lm{box-shadow:0 2px 10px rgba(18,52,88,.18);transition:transform .2s ease, box-shadow .2s ease}
.logo:hover .lm{transform:translateY(-1px) scale(1.03);box-shadow:0 4px 16px rgba(18,52,88,.28)}
.ln{letter-spacing:-.2px}
.ls{letter-spacing:1.4px}

/* ── Subtle entrance motion for cards/sections ── */
.tool-card,.bc,.dl-c,.kpi{will-change:transform}
.reveal{opacity:0;transform:translateY(14px);transition:opacity .6s ease, transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion: reduce){.reveal{opacity:1;transform:none;transition:none}}

/* ── Contact form: loading state ── */
#cf-submit:disabled{cursor:default}

/* ── Form input id additions inherit .fi styles already ── */

/* ── Tools hub search ── */
.tools-search-wrap{margin-bottom:20px;margin-top:-8px}
.tools-search-input{width:100%;max-width:360px;border:1px solid var(--br2);border-radius:var(--rs);padding:9px 14px;font-size:13px;color:var(--ink);background:var(--w);outline:none;transition:border-color .15s,box-shadow .15s}
.tools-search-input:focus{border-color:var(--indigo);box-shadow:0 0 0 3px rgba(99,102,241,.1)}
.tools-search-input::placeholder{color:var(--ink4)}

/* ── Credentials strip ── */
.creds-strip{background:#fff;border-bottom:1px solid var(--br);padding:22px 28px}
.creds-inner{max-width:1280px;margin:0 auto;display:flex;align-items:center;justify-content:center;gap:0;flex-wrap:wrap}
.cred-item{display:flex;flex-direction:column;align-items:center;padding:8px 40px;text-align:center}
.cred-n{font-size:24px;font-weight:800;color:var(--navy);letter-spacing:-0.5px;line-height:1}
.cred-l{font-size:10.5px;color:var(--t3);font-weight:500;margin-top:3px}
.cred-div{width:1px;height:36px;background:var(--br)}

/* ── Why Choose section ── */
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:8px}
.why-card{background:var(--w);border:1px solid var(--br);border-radius:14px;padding:26px 22px;transition:border-color .15s,box-shadow .15s}
.why-card:hover{border-color:var(--indigo);box-shadow:var(--shadow)}
.why-ic{width:44px;height:44px;border-radius:12px;background:var(--indigol);display:grid;place-items:center;font-size:20px;margin-bottom:16px}
.why-h{font-size:14px;font-weight:700;color:var(--navy);margin-bottom:7px;letter-spacing:-.1px}
.why-p{font-size:12.5px;color:var(--t2);line-height:1.7}

/* ── Home services grid ── */
.home-svcs-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.hsvc{background:var(--w);border:1px solid var(--br);border-radius:12px;padding:22px;display:flex;gap:14px;align-items:flex-start;cursor:pointer;transition:border-color .15s,box-shadow .15s}
.hsvc:hover{border-color:var(--indigo);box-shadow:var(--shadow)}
.hsvc-ic{width:40px;height:40px;border-radius:10px;background:var(--indigol);display:grid;place-items:center;font-size:18px;flex-shrink:0}
.hsvc-body{}
.hsvc-t{font-size:13.5px;font-weight:700;color:var(--navy);margin-bottom:5px;letter-spacing:-.1px}
.hsvc-d{font-size:12px;color:var(--t2);line-height:1.6}

/* ── Testimonials section ── */
.tms-section{background:var(--navy);padding:64px 28px}
.tms-inner{max-width:1280px;margin:0 auto}
.tms-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:36px}
.tcard{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:14px;padding:26px}
.tcard-stars{color:#F59E0B;font-size:12px;letter-spacing:3px;margin-bottom:14px}
.tcard-q{font-size:13px;color:rgba(255,255,255,.72);line-height:1.75;font-style:italic;margin-bottom:18px}
.tcard-rule{width:24px;height:1px;background:rgba(255,255,255,.12);margin-bottom:14px}
.tcard-author{display:flex;align-items:center;gap:10px}
.tcard-av{width:34px;height:34px;border-radius:50%;background:rgba(99,102,241,.3);border:1px solid rgba(99,102,241,.4);display:grid;place-items:center;font-size:11px;font-weight:700;color:#a5b4fc;flex-shrink:0}
.tcard-name{font-size:12.5px;font-weight:700;color:#fff}
.tcard-role{font-size:11px;color:rgba(255,255,255,.35);margin-top:1px}

/* ── Trust section ── */
.trust-section{background:var(--g50);border-top:1px solid var(--br);border-bottom:1px solid var(--br);padding:52px 28px}
.trust-inner{max-width:1280px;margin:0 auto}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:32px}
.trust-item{text-align:center}
.trust-ic{width:48px;height:48px;border-radius:14px;background:var(--indigol);display:grid;place-items:center;font-size:22px;margin:0 auto 12px}
.trust-h{font-size:13px;font-weight:700;color:var(--navy);margin-bottom:5px}
.trust-p{font-size:12px;color:var(--t3);line-height:1.65}

/* ── Responsive: homepage ── */
@media (max-width:900px){
  .hero-inner{grid-template-columns:1fr;gap:32px}
  .hero-card{max-width:100%}
  .why-grid{grid-template-columns:1fr 1fr}
  .home-svcs-grid{grid-template-columns:1fr 1fr}
  .tms-grid{grid-template-columns:1fr}
  .trust-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:600px){
  .hero-inner{padding:52px 20px 44px}
  .hero h1{font-size:34px;letter-spacing:-1px}
  .why-grid,.home-svcs-grid,.trust-grid{grid-template-columns:1fr}
  .cred-item{padding:8px 20px}
}


/* ── NHS Calculator Tabs ── */
.nhs-tabs{display:flex;gap:4px;border-bottom:2px solid var(--br);margin-bottom:20px;padding-bottom:0}
.nhs-tab{background:none;border:none;border-bottom:2px solid transparent;margin-bottom:-2px;padding:9px 16px;font:600 13px/1 var(--sans);color:var(--t3);cursor:pointer;border-radius:6px 6px 0 0;transition:color .15s,border-color .15s,background .15s}
.nhs-tab:hover{color:var(--navy);background:var(--g50)}
.nhs-tab.active{color:var(--indigo);border-bottom-color:var(--indigo);background:none}
.nhs-panel{animation:fadeIn .15s ease}
@keyframes fadeIn{from{opacity:0;transform:translateY(4px)}to{opacity:1;transform:none}}

/* ══════════════════════════════════════════════════════════════
   PREMIUM HOMEPAGE — v5
   ══════════════════════════════════════════════════════════════ */

/* ── Cinematic Hero ── */
.pm-hero{position:relative;height:100vh;min-height:640px;display:flex;flex-direction:column;align-items:center;justify-content:center;overflow:hidden;background:#02030A}
.pm-hero-bg{position:absolute;inset:0;z-index:0}
.pm-hero-canvas{position:absolute;inset:0;width:100%;height:100%;display:block}
.pm-hero-grain{position:absolute;inset:0;z-index:1;pointer-events:none;opacity:.038;mix-blend-mode:overlay;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='300' height='300'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.82' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='300' height='300' filter='url(%23n)'/%3E%3C/svg%3E");background-size:300px 300px}
.pm-hero-overlay{position:absolute;inset:0;z-index:2;background:linear-gradient(180deg,rgba(2,3,10,.04) 0%,rgba(2,3,10,.02) 30%,rgba(2,3,10,.15) 65%,rgba(2,3,10,.65) 85%,rgba(2,3,10,.95) 100%)}
.pm-hero-content{position:relative;z-index:3;text-align:center;padding:0 28px;opacity:0;animation:pmHeroIn 1.6s cubic-bezier(0.16,1,0.3,1) .35s forwards;transform:translateY(-12%)}
@keyframes pmHeroIn{from{opacity:0;transform:translateY(calc(-12% - 16px))}to{opacity:1;transform:translateY(-12%)}}
@keyframes pmHeroIn{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:translateY(0)}}
.pm-wordmark{display:flex;align-items:center;justify-content:center;gap:18px;margin-bottom:56px}
.pm-wordmark-text{font-size:10.5px;font-weight:700;letter-spacing:3.5px;text-transform:uppercase;color:rgba(255,255,255,.38)}
.pm-wordmark-text span{color:rgba(165,180,252,.55)}
.pm-wordmark-rule{width:32px;height:1px;background:rgba(255,255,255,.14)}
.pm-hero-h1{font-family:var(--sans);font-size:clamp(38px,6.5vw,82px);font-weight:800;color:#fff;letter-spacing:-2.5px;line-height:1.06;text-wrap:balance;margin:0}
.pm-hero-h1 em{font-style:normal;font-weight:800;color:#fff}
.pm-hero-rule{width:48px;height:1px;background:linear-gradient(90deg,transparent,rgba(165,180,252,.5),transparent);margin:36px auto 0}
.pm-scroll{position:absolute;bottom:44px;left:50%;transform:translateX(-50%);z-index:2;display:flex;flex-direction:column;align-items:center;gap:10px;opacity:0;animation:pmScrollIn 1s ease 2.2s forwards}
@keyframes pmScrollIn{to{opacity:.45}}
.pm-scroll-line{width:1px;height:52px;background:rgba(255,255,255,.25);overflow:hidden;position:relative}
.pm-scroll-line::after{content:'';position:absolute;top:-100%;left:0;width:100%;height:100%;background:rgba(255,255,255,.9);animation:pmScrollPulse 2.4s ease 2.5s infinite}
@keyframes pmScrollPulse{0%{top:-100%}100%{top:200%}}
.pm-scroll-label{font-size:8.5px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.3)}

/* ── About ── */
.pm-about{background:#fff;padding:112px 28px;position:relative}
.pm-about-inner{max-width:1120px;margin:0 auto;display:grid;grid-template-columns:1fr 360px;gap:80px;align-items:center}
.pm-about-eyebrow{font-size:9.5px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--indigo);margin-bottom:22px;display:flex;align-items:center;gap:14px}
.pm-about-eyebrow::before{content:'';display:block;width:20px;height:1px;background:var(--indigo)}
.pm-about-h{font-family:var(--sans);font-size:clamp(26px,3vw,42px);font-weight:300;color:var(--navy);letter-spacing:-.5px;line-height:1.2;margin-bottom:26px}
.pm-about-h strong{font-weight:800}
.pm-about-p{font-size:15px;color:var(--t2);line-height:1.85;max-width:500px}
.pm-about-rule{width:100%;height:1px;background:var(--br);margin:36px 0}
.pm-about-pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.pm-about-pillar{padding-right:28px;border-right:1px solid var(--br)}
.pm-about-pillar:first-child{padding-left:0}
.pm-about-pillar:last-child{border:none}
.pm-about-pillar:not(:first-child){padding-left:28px}
.pm-pillar-value{font-family:var(--sans);font-size:28px;font-weight:800;color:var(--navy);letter-spacing:-1px;line-height:1;margin-bottom:4px}
.pm-pillar-label{font-size:10px;text-transform:uppercase;letter-spacing:1.5px;color:var(--t3);font-weight:600;margin-bottom:8px}
.pm-about-card{background:var(--navy);border-radius:18px;padding:32px;position:relative;overflow:hidden}
.pm-about-card::before{content:'';position:absolute;top:-60px;right:-60px;width:180px;height:180px;border-radius:50%;background:rgba(99,102,241,.15);filter:blur(50px);pointer-events:none}
.pm-about-card-eyebrow{font-size:9px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.3);margin-bottom:20px}
.pm-about-card-list{display:flex;flex-direction:column;gap:12px;margin-bottom:24px}
.pm-about-card-item{display:flex;align-items:center;gap:11px;font-size:13px;color:rgba(255,255,255,.72)}
.pm-aci-dot{width:5px;height:5px;border-radius:50%;background:var(--indigo3);flex-shrink:0}
.pm-about-card-footer{font-size:10px;color:rgba(255,255,255,.25);padding-top:18px;border-top:1px solid rgba(255,255,255,.07)}

/* ── Principles ── */
.pm-principles{background:var(--midnight);padding:100px 28px;position:relative;overflow:hidden}
.pm-principles::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.018) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.018) 1px,transparent 1px);background-size:80px 80px;pointer-events:none}
.pm-principles-inner{max-width:1120px;margin:0 auto;position:relative;z-index:1}
.pm-principles-header{max-width:560px;margin-bottom:64px}
.pm-ey-light{color:rgba(165,180,252,.5) !important}
.pm-ey-light::before{background:rgba(165,180,252,.4) !important}
.pm-principles-h{font-family:var(--sans);font-size:clamp(26px,3vw,40px);font-weight:300;color:#fff;letter-spacing:-.5px;line-height:1.2;margin-top:0}
.pm-principles-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.06);border-radius:16px;overflow:hidden}
.pm-prin-card{background:rgba(255,255,255,.025);padding:40px 36px;transition:background .25s;position:relative;overflow:hidden}
.pm-prin-card:hover{background:rgba(255,255,255,.045)}
.pm-prin-card::after{content:'';position:absolute;top:0;left:36px;right:36px;height:1px;background:linear-gradient(90deg,transparent,rgba(165,180,252,.25),transparent);opacity:0;transition:opacity .3s}
.pm-prin-card:hover::after{opacity:1}
.pm-prin-num{font-family:var(--mono);font-size:11px;color:rgba(165,180,252,.4);font-weight:500;margin-bottom:20px;letter-spacing:1px}
.pm-prin-title{font-family:var(--sans);font-size:18px;font-weight:600;color:#fff;letter-spacing:-.2px;margin-bottom:16px}
.pm-prin-rule{width:24px;height:1px;background:rgba(99,102,241,.4);margin-bottom:18px}
.pm-prin-body{font-size:13.5px;color:rgba(255,255,255,.48);line-height:1.75}

/* ── Visual showcase ── */
.pm-showcase{background:var(--g25);border-top:1px solid var(--br);border-bottom:1px solid var(--br)}
.pm-showcase-panel{padding:100px 28px}
.pm-showcase-inner{max-width:1120px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.pm-showcase-text{}
.pm-showcase-h{font-family:var(--sans);font-size:clamp(24px,2.8vw,36px);font-weight:700;color:var(--navy);letter-spacing:-.3px;line-height:1.2;margin-bottom:20px;text-wrap:balance}
.pm-showcase-p{font-size:14.5px;color:var(--t2);line-height:1.8;margin-bottom:32px;max-width:420px}
.pm-showcase-btn{display:inline-flex;align-items:center;gap:6px;background:none;border:1px solid var(--navy);color:var(--navy);padding:11px 22px;border-radius:7px;font-size:13px;font-weight:500;cursor:pointer;transition:all .15s}
.pm-showcase-btn:hover{background:var(--navy);color:#fff}

/* Calculator dark mockup */
.pm-mock{background:var(--navy);border-radius:16px;overflow:hidden;box-shadow:0 24px 60px rgba(11,30,61,.25);position:relative}
.pm-mock::before{content:'';position:absolute;top:-40px;right:-40px;width:160px;height:160px;border-radius:50%;background:rgba(99,102,241,.12);filter:blur(40px);pointer-events:none}
.pm-mock-chrome{background:rgba(255,255,255,.04);border-bottom:1px solid rgba(255,255,255,.07);padding:13px 18px;display:flex;align-items:center;justify-content:space-between;gap:8px}
.pm-mock-dots{display:flex;gap:5px}
.pm-mock-dots span{width:9px;height:9px;border-radius:50%}
.pm-mock-dots span:nth-child(1){background:rgba(255,255,255,.12)}
.pm-mock-dots span:nth-child(2){background:rgba(255,255,255,.2)}
.pm-mock-dots span:nth-child(3){background:rgba(255,255,255,.28)}
.pm-mock-title{font-size:11px;color:rgba(255,255,255,.35);font-family:var(--mono)}
.pm-mock-badge{display:flex;align-items:center;gap:5px;font-size:10px;color:rgba(255,255,255,.25)}
.pm-mock-pulse{width:5px;height:5px;border-radius:50%;background:#4ADE80;display:block;animation:pulse 2s infinite}
.pm-mock-body{padding:20px}
.pm-mock-input-row{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.06)}
.pm-mock-input-row:last-of-type{margin-bottom:16px}
.pm-mock-input-label{font-size:11.5px;color:rgba(255,255,255,.36)}
.pm-mock-input-value{font-size:12px;font-weight:600;color:rgba(255,255,255,.7);font-family:var(--mono)}
.pm-mock-divider{height:1px;background:rgba(255,255,255,.07);margin:0 0 16px}
.pm-mock-kpis{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:8px}
.pm-mock-kpis-4{grid-template-columns:repeat(4,1fr)}
.pm-mock-kpi{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.07);border-radius:10px;padding:14px}
.pm-mock-kpi-primary{border-top:2px solid var(--indigo3)}
.pm-mock-kpi-secondary{border-top:2px solid var(--goldd)}
.pm-mock-kpi-label{font-size:9.5px;text-transform:uppercase;letter-spacing:.8px;color:rgba(255,255,255,.35);margin-bottom:8px;font-weight:700}
.pm-mock-kpi-value{font-family:var(--mono);font-size:20px;font-weight:500;color:#fff;line-height:1}
.pm-mock-kpi-sub{font-size:10.5px;color:rgba(255,255,255,.28);margin-top:5px}
.pm-mock-kpi-sm{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.06);border-radius:8px;padding:11px 12px}
.pm-mock-kpi-value-sm{font-family:var(--mono);font-size:14px;font-weight:500;color:rgba(255,255,255,.75);margin-top:5px}

/* ── Insights teaser ── */
.pm-insights{background:#fff;border-top:1px solid var(--br);padding:88px 28px}
.pm-insights-inner{max-width:1120px;margin:0 auto}
.pm-insights-header{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:40px;flex-wrap:wrap;gap:14px}
.pm-insights-h{font-family:var(--sans);font-size:clamp(22px,2.5vw,34px);font-weight:300;color:var(--navy);letter-spacing:-.3px;margin:0}
.pm-insights-h strong{font-weight:800}

/* ── Responsive: premium homepage ── */
@media(max-width:960px){
  .pm-about-inner{grid-template-columns:1fr;gap:52px}
  .pm-about-visual{display:none}
  .pm-principles-grid{grid-template-columns:1fr}
  .pm-showcase-inner{grid-template-columns:1fr;gap:40px}
  .pm-showcase-mock{display:none}
}
@media(max-width:600px){
  .pm-hero-h1{letter-spacing:-1px}
  .pm-about{padding:72px 20px}
  .pm-principles{padding:72px 20px}
  .pm-showcase-panel{padding:72px 20px}
  .pm-insights{padding:64px 20px}
  .pm-about-pillars{grid-template-columns:1fr 1fr}
  .pm-about-pillar:nth-child(2){border:none}
  .pm-about-pillar:last-child{padding-left:0;grid-column:1/-1;padding-top:16px;border-top:1px solid var(--br)}
}

/* =============================================================
   PREMIUM HOMEPAGE — v5
   ============================================================= */

/* -- Cinematic Hero -- */
.pm-hero{position:relative;height:100vh;min-height:640px;display:flex;flex-direction:column;align-items:center;justify-content:center;overflow:hidden;background:#02030A}
.pm-hero-bg{position:absolute;inset:0;z-index:0}
.pm-hero-canvas{position:absolute;inset:0;width:100%;height:100%;display:block}
.pm-hero-grain{position:absolute;inset:0;z-index:1;pointer-events:none;opacity:.038;mix-blend-mode:overlay;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='300' height='300'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.82' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='300' height='300' filter='url(%23n)'/%3E%3C/svg%3E");background-size:300px 300px}
.pm-hero-overlay{position:absolute;inset:0;z-index:2;background:linear-gradient(180deg,rgba(2,3,10,.04) 0%,rgba(2,3,10,.02) 30%,rgba(2,3,10,.15) 65%,rgba(2,3,10,.65) 85%,rgba(2,3,10,.95) 100%)}
.pm-hero-content{position:relative;z-index:3;text-align:center;padding:0 28px;opacity:0;animation:pmHeroIn 1.6s cubic-bezier(0.16,1,0.3,1) .35s forwards;transform:translateY(-12%)}
@keyframes pmHeroIn{from{opacity:0;transform:translateY(calc(-12% - 16px))}to{opacity:1;transform:translateY(-12%)}}
.pm-wordmark{display:flex;align-items:center;justify-content:center;gap:18px;margin-bottom:56px}
.pm-wordmark-text{font-size:10.5px;font-weight:700;letter-spacing:3.5px;text-transform:uppercase;color:rgba(255,255,255,.38)}
.pm-wordmark-text span{color:rgba(165,180,252,.55)}
.pm-wordmark-rule{width:32px;height:1px;background:rgba(255,255,255,.14)}
.pm-hero-h1{font-family:var(--sans);font-size:clamp(38px,6.5vw,82px);font-weight:800;color:#fff;letter-spacing:-2.5px;line-height:1.06;text-wrap:balance;margin:0}
.pm-hero-h1 em{font-style:normal;font-weight:800;color:#fff}
.pm-hero-rule{width:48px;height:1px;background:linear-gradient(90deg,transparent,rgba(165,180,252,.5),transparent);margin:36px auto 0}
.pm-scroll{position:absolute;bottom:44px;left:50%;transform:translateX(-50%);z-index:2;display:flex;flex-direction:column;align-items:center;gap:10px;opacity:0;animation:pmScrollIn 1s ease 2.2s forwards}
@keyframes pmScrollIn{to{opacity:.45}}
.pm-scroll-line{width:1px;height:52px;background:rgba(255,255,255,.25);overflow:hidden;position:relative}
.pm-scroll-line::after{content:'';position:absolute;top:-100%;left:0;width:100%;height:100%;background:rgba(255,255,255,.9);animation:pmScrollPulse 2.4s ease 2.5s infinite}
@keyframes pmScrollPulse{0%{top:-100%}100%{top:200%}}
.pm-scroll-label{font-size:8.5px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.3)}

/* -- About -- */
.pm-about{background:#fff;padding:112px 28px;position:relative}
.pm-about-inner{max-width:1120px;margin:0 auto;display:grid;grid-template-columns:1fr 360px;gap:80px;align-items:center}
.pm-about-eyebrow{font-size:9.5px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--indigo);margin-bottom:22px;display:flex;align-items:center;gap:14px}
.pm-about-eyebrow::before{content:'';display:block;width:20px;height:1px;background:var(--indigo);flex-shrink:0}
.pm-about-h{font-family:var(--sans);font-size:clamp(26px,3vw,42px);font-weight:300;color:var(--navy);letter-spacing:-.5px;line-height:1.2;margin-bottom:26px}
.pm-about-h strong{font-weight:800}
.pm-about-p{font-size:15px;color:var(--t2);line-height:1.85;max-width:500px}
.pm-about-rule{width:100%;height:1px;background:var(--br);margin:36px 0}
.pm-about-pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.pm-about-pillar{padding-right:28px;border-right:1px solid var(--br)}
.pm-about-pillar:first-child{padding-left:0}
.pm-about-pillar:last-child{border:none}
.pm-about-pillar:not(:first-child){padding-left:28px}
.pm-pillar-value{font-family:var(--sans);font-size:28px;font-weight:800;color:var(--navy);letter-spacing:-1px;line-height:1;margin-bottom:4px}
.pm-pillar-label{font-size:10px;text-transform:uppercase;letter-spacing:1.5px;color:var(--t3);font-weight:600;margin-bottom:8px}
.pm-about-card{background:var(--navy);border-radius:18px;padding:32px;position:relative;overflow:hidden}
.pm-about-card::before{content:'';position:absolute;top:-60px;right:-60px;width:180px;height:180px;border-radius:50%;background:rgba(99,102,241,.15);filter:blur(50px);pointer-events:none}
.pm-about-card-eyebrow{font-size:9px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.3);margin-bottom:20px}
.pm-about-card-list{display:flex;flex-direction:column;gap:12px;margin-bottom:24px}
.pm-about-card-item{display:flex;align-items:center;gap:11px;font-size:13px;color:rgba(255,255,255,.72)}
.pm-aci-dot{width:5px;height:5px;border-radius:50%;background:var(--indigo3);flex-shrink:0}
.pm-about-card-footer{font-size:10px;color:rgba(255,255,255,.25);padding-top:18px;border-top:1px solid rgba(255,255,255,.07)}

/* -- Principles -- */
.pm-principles{background:var(--midnight);padding:100px 28px;position:relative;overflow:hidden}
.pm-principles::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.018) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.018) 1px,transparent 1px);background-size:80px 80px;pointer-events:none}
.pm-principles-inner{max-width:1120px;margin:0 auto;position:relative;z-index:1}
.pm-principles-header{max-width:560px;margin-bottom:64px}
.pm-ey-light{color:rgba(165,180,252,.5) !important}
.pm-ey-light::before{background:rgba(165,180,252,.4) !important}
.pm-principles-h{font-family:var(--sans);font-size:clamp(26px,3vw,40px);font-weight:300;color:#fff;letter-spacing:-.5px;line-height:1.2;margin-top:0}
.pm-principles-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(255,255,255,.07);border-radius:16px;overflow:hidden}
.pm-prin-card{background:rgba(255,255,255,.028);padding:40px 36px;transition:background .25s;position:relative;overflow:hidden}
.pm-prin-card:hover{background:rgba(255,255,255,.05)}
.pm-prin-card::after{content:'';position:absolute;top:0;left:36px;right:36px;height:1px;background:linear-gradient(90deg,transparent,rgba(165,180,252,.25),transparent);opacity:0;transition:opacity .3s}
.pm-prin-card:hover::after{opacity:1}
.pm-prin-num{font-family:var(--mono);font-size:11px;color:rgba(165,180,252,.4);font-weight:500;margin-bottom:20px;letter-spacing:1px}
.pm-prin-title{font-family:var(--sans);font-size:18px;font-weight:600;color:#fff;letter-spacing:-.2px;margin-bottom:16px}
.pm-prin-rule{width:24px;height:1px;background:rgba(99,102,241,.4);margin-bottom:18px}
.pm-prin-body{font-size:13.5px;color:rgba(255,255,255,.5);line-height:1.75}

/* -- Visual Showcase -- */
.pm-showcase{background:var(--g25);border-top:1px solid var(--br);border-bottom:1px solid var(--br)}
.pm-showcase-panel{padding:100px 28px}
.pm-showcase-inner{max-width:1120px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.pm-showcase-h{font-family:var(--sans);font-size:clamp(22px,2.8vw,36px);font-weight:700;color:var(--navy);letter-spacing:-.3px;line-height:1.2;margin-bottom:20px;text-wrap:balance}
.pm-showcase-p{font-size:14.5px;color:var(--t2);line-height:1.8;margin-bottom:32px;max-width:420px}
.pm-showcase-btn{display:inline-flex;align-items:center;gap:6px;background:none;border:1px solid var(--navy);color:var(--navy);padding:11px 22px;border-radius:7px;font-size:13px;font-weight:500;cursor:pointer;transition:all .15s}
.pm-showcase-btn:hover{background:var(--navy);color:#fff}
.pm-mock{background:var(--navy);border-radius:16px;overflow:hidden;box-shadow:0 24px 60px rgba(11,30,61,.22);position:relative}
.pm-mock::before{content:'';position:absolute;top:-40px;right:-40px;width:160px;height:160px;border-radius:50%;background:rgba(99,102,241,.12);filter:blur(40px);pointer-events:none}
.pm-mock-chrome{background:rgba(255,255,255,.04);border-bottom:1px solid rgba(255,255,255,.07);padding:13px 18px;display:flex;align-items:center;justify-content:space-between;gap:8px}
.pm-mock-dots{display:flex;gap:5px}
.pm-mock-dots span{width:9px;height:9px;border-radius:50%}
.pm-mock-dots span:nth-child(1){background:rgba(255,255,255,.12)}
.pm-mock-dots span:nth-child(2){background:rgba(255,255,255,.2)}
.pm-mock-dots span:nth-child(3){background:rgba(255,255,255,.28)}
.pm-mock-title{font-size:11px;color:rgba(255,255,255,.35);font-family:var(--mono)}
.pm-mock-badge{display:flex;align-items:center;gap:5px;font-size:10px;color:rgba(255,255,255,.25)}
.pm-mock-pulse{width:5px;height:5px;border-radius:50%;background:#4ADE80;display:block;animation:pulse 2s infinite}
.pm-mock-body{padding:20px}
.pm-mock-input-row{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.06)}
.pm-mock-input-row:last-of-type{margin-bottom:0}
.pm-mock-input-label{font-size:11.5px;color:rgba(255,255,255,.36)}
.pm-mock-input-value{font-size:12px;font-weight:600;color:rgba(255,255,255,.7);font-family:var(--mono)}
.pm-mock-divider{height:1px;background:rgba(255,255,255,.07);margin:16px 0}
.pm-mock-kpis{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:8px}
.pm-mock-kpis-4{grid-template-columns:repeat(4,1fr)}
.pm-mock-kpi{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.07);border-radius:10px;padding:14px}
.pm-mock-kpi-primary{border-top:2px solid var(--indigo3)}
.pm-mock-kpi-secondary{border-top:2px solid var(--goldd)}
.pm-mock-kpi-label{font-size:9px;text-transform:uppercase;letter-spacing:.8px;color:rgba(255,255,255,.35);margin-bottom:8px;font-weight:700}
.pm-mock-kpi-value{font-family:var(--mono);font-size:20px;font-weight:500;color:#fff;line-height:1}
.pm-mock-kpi-sub{font-size:10px;color:rgba(255,255,255,.28);margin-top:5px}
.pm-mock-kpi-sm{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.06);border-radius:8px;padding:11px 12px}
.pm-mock-kpi-value-sm{font-family:var(--mono);font-size:13.5px;font-weight:500;color:rgba(255,255,255,.72);margin-top:5px}

/* -- Insights teaser -- */
.pm-insights{background:#fff;border-top:1px solid var(--br);padding:88px 28px}
.pm-insights-inner{max-width:1120px;margin:0 auto}
.pm-insights-header{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:40px;flex-wrap:wrap;gap:14px}
.pm-insights-h{font-family:var(--sans);font-size:clamp(22px,2.5vw,34px);font-weight:300;color:var(--navy);letter-spacing:-.3px;margin:0}

/* -- Responsive: premium homepage -- */
@media(max-width:960px){
  .pm-about-inner{grid-template-columns:1fr;gap:52px}
  .pm-about-visual{display:none}
  .pm-principles-grid{grid-template-columns:1fr;border-radius:12px}
  .pm-showcase-inner{grid-template-columns:1fr;gap:40px}
  .pm-showcase-mock{display:none}
}
@media(max-width:600px){
  .pm-hero-h1{letter-spacing:-1px}
  .pm-about{padding:72px 20px}
  .pm-principles{padding:72px 20px}
  .pm-showcase-panel{padding:72px 20px}
  .pm-insights{padding:64px 20px}
  .pm-about-pillars{grid-template-columns:1fr 1fr}
  .pm-about-pillar:nth-child(2){border-right:none}
  .pm-about-pillar:last-child{padding-left:0;padding-top:20px;border-top:1px solid var(--br);border-right:none;grid-column:1/-1}
  .pm-mock-kpis-4{grid-template-columns:repeat(2,1fr)}
}


/* ═══════════════════════════════════════════════════════
   PREMIUM HOMEPAGE — px-* classes (expanded redesign)
═══════════════════════════════════════════════════════ */

/* Hero additions */
.pm-hero-kicker{font-size:11px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:rgba(255,255,255,.45);margin-bottom:20px}
.pm-hero-sub{font-size:clamp(15px,1.8vw,18px);color:rgba(255,255,255,.78);font-weight:400;line-height:1.75;max-width:520px;margin:18px auto 0}
@media(max-width:768px){
  .pm-hero-content{transform:translateY(-6%)}
  .pm-hero-kicker{font-size:10px;letter-spacing:4px}
  .pm-hero-sub{max-width:360px}
}
@media(max-width:480px){
  .pm-hero-content{transform:translateY(-4%)}
  .pm-hero-sub{display:none}
}
.pm-hero-rule{width:40px;height:2px;background:var(--indigo3);margin:32px 0 0;opacity:.7}

/* Scroll animation */
.px-anim{opacity:0;transform:translateY(22px);transition:opacity .75s cubic-bezier(.22,1,.36,1),transform .75s cubic-bezier(.22,1,.36,1)}
.px-in{opacity:1;transform:none}

/* Eyebrow labels */
.px-label{display:inline-block;font-size:10px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--indigo3);margin-bottom:22px}
.px-label-light{color:rgba(255,255,255,.38)}

/* ── Section 1: Who We Are ──────────────────────────── */
.px-edit{padding:120px 40px;background:#fff;border-top:1px solid var(--br)}
.px-edit-inner{max-width:1160px;margin:0 auto}
.px-edit-statement{font-family:var(--sans);font-size:clamp(22px,2.8vw,42px);font-weight:300;line-height:1.25;letter-spacing:-1px;color:var(--navy);margin:0 0 32px;border:none;padding:0}
.px-edit-rule{width:40px;height:2px;background:var(--indigo3);margin:0 0 40px;border:none}
.px-edit-cols{display:grid;grid-template-columns:1fr 1fr;gap:48px}
.px-edit-col-p{font-size:15px;line-height:1.8;color:var(--muted);margin:0}

/* ── Section 2: Coverage grid ──────────────────────── */
.px-cov{padding:120px 40px;background:var(--navy)}
.px-cov-inner{max-width:1160px;margin:0 auto}
.px-cov-header{margin-bottom:56px}
.px-cov-h{font-family:var(--sans);font-size:clamp(24px,2.8vw,42px);font-weight:300;letter-spacing:-.8px;color:#fff;margin:0;line-height:1.2}
.px-cov-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.06);border-radius:12px;overflow:hidden}
.px-cov-tile{padding:28px 24px;background:rgba(255,255,255,.02);transition:background .22s;cursor:default}
.px-cov-tile:hover{background:rgba(255,255,255,.06)}
.px-cov-tile-num{font-family:var(--mono);font-size:10px;color:rgba(255,255,255,.18);letter-spacing:2px;margin-bottom:10px}
.px-cov-tile-name{font-size:14px;font-weight:500;color:rgba(255,255,255,.72);line-height:1.4}

/* ── Section 3: Tax year data ──────────────────────── */
.px-tyr{padding:120px 40px;background:#fff;border-top:3px solid var(--indigo)}
.px-tyr-inner{max-width:1160px;margin:0 auto}
.px-tyr-header{margin-bottom:52px}
.px-tyr-h{font-family:var(--sans);font-size:clamp(24px,2.8vw,42px);font-weight:300;letter-spacing:-.8px;color:var(--navy);margin:0 0 12px;line-height:1.2}
.px-tyr-p{font-size:15px;color:var(--muted);line-height:1.72;margin:0}
.px-tyr-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-bottom:24px}
.px-tyr-col{background:#fff;border:1px solid var(--br);border-radius:12px;overflow:hidden}
.px-tyr-col-label{padding:16px 22px;border-bottom:1px solid var(--br);font-size:11px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--navy)}
.px-tyr-col-rule{height:2px;background:var(--indigo3);margin:0 22px;opacity:.5}
.px-tyr-row{display:flex;justify-content:space-between;align-items:center;padding:12px 22px;border-bottom:1px solid var(--br)}
.px-tyr-row:last-child{border-bottom:none}
.px-tyr-row-k{font-size:13px;color:var(--muted)}
.px-tyr-row-v{font-family:var(--mono);font-size:13px;font-weight:600;color:var(--navy)}
.px-tyr-note{font-size:12px;color:var(--muted);text-align:center;padding-top:8px}

/* ── Section 4: Principles ─────────────────────────── */
.px-phil{padding:140px 40px;background:#fff;border-top:1px solid var(--br)}
.px-phil-inner{max-width:1160px;margin:0 auto}
.px-phil-items{display:flex;flex-direction:column}
.px-phil-item{padding:52px 0;position:relative}
.px-phil-rule{height:1px;background:var(--br);margin-bottom:36px}
.px-phil-row{display:grid;grid-template-columns:80px 1fr;gap:40px;align-items:start}
.px-phil-num{font-family:var(--mono);font-size:11px;color:rgba(11,30,61,.22);letter-spacing:2px;padding-top:8px}
.px-phil-title{font-family:var(--sans);font-size:clamp(26px,3vw,44px);font-weight:300;letter-spacing:-1px;color:var(--navy);line-height:1.15;margin:0 0 18px}
.px-phil-body{font-size:15px;line-height:1.72;color:var(--muted);max-width:600px;margin:0}

/* ── Section 5: Product showcase ───────────────────── */
.px-product{background:var(--navy);overflow:hidden;position:relative}.px-product::after{content:'';position:absolute;bottom:0;left:0;right:0;height:120px;background:linear-gradient(to bottom,transparent,rgba(5,13,26,.85));pointer-events:none}
.px-product-inner{max-width:1160px;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;align-items:center;min-height:600px}
.px-product-text{padding:100px 60px 100px 40px}
.px-product-h{font-family:var(--sans);font-size:clamp(24px,2.8vw,40px);font-weight:300;letter-spacing:-.6px;color:#fff;margin:0 0 16px;line-height:1.25}
.px-product-p{font-size:15px;line-height:1.72;color:rgba(255,255,255,.5);margin:0 0 32px}
.px-product-acts{display:flex;flex-direction:column;align-items:flex-start;gap:14px}
.px-product-mock{padding:60px 40px 60px 0;display:flex;align-items:center;justify-content:flex-end}

/* Buttons */
.px-btn-outline{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:600;letter-spacing:.5px;color:#fff;border:1px solid rgba(255,255,255,.22);border-radius:6px;padding:12px 22px;cursor:pointer;background:transparent;transition:border-color .2s,background .2s}
.px-btn-outline:hover{border-color:rgba(255,255,255,.5);background:rgba(255,255,255,.06)}
.px-btn-ghost{display:inline-flex;align-items:center;gap:6px;font-size:13px;font-weight:500;color:rgba(255,255,255,.45);background:none;border:none;cursor:pointer;padding:0;transition:color .2s}
.px-btn-ghost:hover{color:#fff}

/* Calculator mockup */
.px-mock{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:16px;width:100%;max-width:400px;overflow:hidden;box-shadow:0 40px 80px rgba(0,0,0,.4)}
.px-mock-chrome{display:flex;justify-content:space-between;align-items:center;padding:12px 16px;border-bottom:1px solid rgba(255,255,255,.07);background:rgba(255,255,255,.03)}
.px-mock-dots{display:flex;gap:5px}
.px-mock-dots span{width:8px;height:8px;border-radius:50%;background:rgba(255,255,255,.1)}
.px-mock-title{font-size:11px;color:rgba(255,255,255,.25);font-family:var(--mono)}
.px-mock-live{display:flex;align-items:center;gap:5px;font-size:10px;color:rgba(255,255,255,.22);font-family:var(--mono)}
.px-mock-pulse{width:5px;height:5px;border-radius:50%;background:#4ADE80;display:block;animation:pulse 2s infinite}
.px-mock-inputs{padding:16px}
.px-mock-field{display:flex;justify-content:space-between;align-items:center;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.05)}
.px-mock-field:last-child{border-bottom:none}
.px-mock-field-label{font-size:11.5px;color:rgba(255,255,255,.32)}
.px-mock-field-value{font-size:12px;font-weight:600;color:rgba(255,255,255,.68);font-family:var(--mono)}
.px-mock-divider{height:1px;background:rgba(255,255,255,.07);margin:0 16px}
.px-mock-kpi-row{display:grid;grid-template-columns:1fr 1fr;gap:8px;padding:14px 16px}
.px-mock-kpi{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.07);border-radius:8px;padding:12px}
.px-mock-kpi-a{border-top:2px solid var(--indigo3)}
.px-mock-kpi-b{border-top:2px solid #B8933A}
.px-mock-kpi-lbl{font-size:8.5px;text-transform:uppercase;letter-spacing:.8px;color:rgba(255,255,255,.3);margin-bottom:7px;font-weight:700}
.px-mock-kpi-val{font-family:var(--mono);font-size:17px;font-weight:500;color:#fff;line-height:1}
.px-mock-kpi-sub{font-size:9.5px;color:rgba(255,255,255,.25);margin-top:4px}
.px-mock-bk-row{display:grid;grid-template-columns:1fr 1fr;gap:6px;padding:0 16px 16px}
.px-mock-bk-item{display:flex;align-items:center;gap:7px;background:rgba(255,255,255,.03);border:1px solid rgba(255,255,255,.06);border-radius:6px;padding:9px 10px}
.px-mock-bk-dot{width:6px;height:6px;border-radius:50%;flex-shrink:0}
.px-mock-bk-k{font-size:10px;color:rgba(255,255,255,.3);flex:1;min-width:0}
.px-mock-bk-v{font-family:var(--mono);font-size:10.5px;font-weight:600;color:rgba(255,255,255,.6)}

/* ── Section 6: Insights ────────────────────────────── */
.px-press{padding:120px 40px;background:#fff;border-top:1px solid var(--br)}
.px-press-inner{max-width:1160px;margin:0 auto}
.px-press-header{display:flex;justify-content:space-between;align-items:flex-end;margin-bottom:52px;flex-wrap:wrap;gap:16px}
.px-press-h{font-family:var(--sans);font-size:clamp(22px,2.4vw,36px);font-weight:300;letter-spacing:-.5px;color:var(--navy);margin:0}
.px-press-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}

/* ── Responsive ─────────────────────────────────────── */
@media(max-width:1060px){
  .px-cov-grid{grid-template-columns:repeat(3,1fr)}
  .px-tyr-cols{grid-template-columns:1fr}
  .px-product-inner{grid-template-columns:1fr}
  .px-product-mock{display:none}
  .px-product-text{padding:80px 40px}
  .px-press-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:760px){
  .px-edit{padding:80px 24px}
  .px-edit-cols{grid-template-columns:1fr;gap:20px}
  .px-cov{padding:80px 24px}
  .px-cov-grid{grid-template-columns:repeat(2,1fr)}
  .px-tyr{padding:80px 24px}
  .px-phil{padding:80px 24px}
  .px-phil-row{grid-template-columns:40px 1fr;gap:20px}
  .px-product-text{padding:64px 24px}
  .px-press{padding:80px 24px}
  .px-press-grid{grid-template-columns:1fr}
}
@media(max-width:480px){
  .px-cov-grid{grid-template-columns:1fr 1fr}
  .px-cov-tile{padding:20px 16px}
  .px-mock-bk-row{grid-template-columns:1fr}
}

/* ═══════════════════════════════════════════════════════════
   Homepage redesign — consultancy layout (hp- prefix)
   ─────────────────────────────────────────────────────────── */

/* ── Shared ──────────────────────────────────────────── */
.hp-inner{max-width:1160px;margin:0 auto;padding:0 40px}
.hp-anim{opacity:0;transform:translateY(20px);transition:opacity .7s cubic-bezier(.22,1,.36,1),transform .7s cubic-bezier(.22,1,.36,1)}
.hp-anim.hp-in{opacity:1;transform:none}
.hp-kicker{font-size:10px;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--indigo);margin-bottom:14px}
.hp-kicker-light{color:rgba(255,255,255,.45)}
.hp-h2{font-family:var(--sans);font-size:clamp(26px,3vw,40px);font-weight:700;color:var(--navy);letter-spacing:-.5px;line-height:1.18;margin:0 0 48px;text-wrap:balance}
.hp-h2-light{color:#fff}
.hp-h2-center{text-align:center}
.hp-section-header{margin-bottom:0}

/* ── Hero additions ──────────────────────────────────── */
.pm-hero-acts{display:flex;gap:14px;justify-content:center;margin-top:32px;flex-wrap:wrap}
.pm-hero-acts .btn{font-size:14px;padding:13px 28px;border-radius:8px}
.pm-hero-ghost{background:transparent;border:1.5px solid rgba(255,255,255,.3);color:rgba(255,255,255,.85);border-radius:8px;padding:12px 26px;font-size:14px;font-weight:500;cursor:pointer;transition:all .2s;font-family:var(--sans);letter-spacing:.1px}
.pm-hero-ghost:hover{border-color:rgba(255,255,255,.65);color:#fff;background:rgba(255,255,255,.07)}

/* ── Trust & Credibility ─────────────────────────────── */
.hp-trust{background:#fff;border-top:1px solid var(--br);padding:72px 0}
.hp-trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:var(--g100);border:1px solid var(--g100);border-radius:14px;overflow:hidden}
.hp-trust-item{background:#fff;padding:36px 30px;display:flex;flex-direction:column;gap:18px;transition:background .2s}
.hp-trust-item:hover{background:var(--g25)}
.hp-trust-icon{width:44px;height:44px;background:var(--indigol);border-radius:10px;display:flex;align-items:center;justify-content:center;color:var(--indigo);flex-shrink:0}
.hp-trust-heading{font-size:16px;font-weight:700;color:var(--navy);line-height:1.3;margin-bottom:8px;font-family:var(--sans)}
.hp-trust-text{font-size:14px;color:var(--t2);line-height:1.72;margin:0}

/* ── Services ────────────────────────────────────────── */
.hp-services{padding:96px 0;background:var(--g25);border-top:1px solid var(--br)}
.hp-services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:48px}
.hp-svc-card{background:#fff;border:1px solid var(--br);border-radius:14px;padding:32px 28px;display:flex;flex-direction:column;cursor:pointer;transition:border-color .2s,box-shadow .2s,transform .2s;position:relative}
.hp-svc-card:hover{border-color:var(--indigo);box-shadow:0 12px 40px rgba(99,102,241,.15),0 2px 8px rgba(11,30,61,.06);transform:translateY(-5px)}
.hp-svc-card:focus-visible{outline:2px solid var(--indigo);outline-offset:2px}
.hp-svc-icon{width:46px;height:46px;background:var(--indigol);border-radius:10px;display:flex;align-items:center;justify-content:center;color:var(--indigo);margin-bottom:20px;flex-shrink:0}
.hp-svc-name{font-size:16px;font-weight:700;color:var(--navy);margin-bottom:10px;font-family:var(--sans)}
.hp-svc-desc{font-size:13px;color:var(--t2);line-height:1.72;margin:0 0 20px;flex:1}
.hp-svc-link{font-size:12.5px;font-weight:600;color:var(--indigo);margin-top:auto}

/* ── Who We Help ─────────────────────────────────────── */
.hp-audience{padding:80px 0;background:#fff;border-top:1px solid var(--br)}
.hp-audience-row{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:48px}
.hp-audience-tile{display:flex;flex-direction:column;align-items:center;gap:12px;padding:28px 32px;background:var(--g25);border:1px solid var(--br);border-radius:12px;min-width:150px;transition:border-color .2s,background .2s}
.hp-audience-tile:hover{border-color:var(--indigo);background:var(--indigol)}
.hp-audience-icon{width:44px;height:44px;background:#fff;border:1px solid var(--br);border-radius:10px;display:flex;align-items:center;justify-content:center;color:var(--navy)}
.hp-audience-label{font-size:13px;font-weight:600;color:var(--navy);text-align:center;white-space:nowrap}

/* ── Why Sterling Tax Expert ─────────────────────────── */
.hp-why{padding:96px 0;background:var(--navy)}
.hp-why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:2px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.07);border-radius:14px;overflow:hidden;margin-top:48px}
.hp-why-item{padding:36px 32px;background:var(--navy);border-left:3px solid var(--indigo);transition:background .2s}
.hp-why-item:hover{background:var(--navy3)}
.hp-why-heading{font-size:15px;font-weight:700;color:#fff;margin-bottom:10px;font-family:var(--sans)}
.hp-why-body{font-size:13.5px;color:rgba(255,255,255,.62);line-height:1.75;margin:0}

/* ── How We Work ─────────────────────────────────────── */
.hp-process{padding:96px 0;background:var(--g25);border-top:1px solid var(--br)}
.hp-process-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:var(--g100);border:1px solid var(--g100);border-radius:14px;overflow:hidden;margin-top:56px}
.hp-step{padding:44px 40px;background:var(--g25);position:relative}
.hp-step-num{font-family:var(--mono);font-size:48px;font-weight:800;color:var(--indigo);opacity:.18;line-height:1;margin-bottom:20px;letter-spacing:-2px;display:block}
.hp-step-rule{height:2px;background:var(--indigo);width:32px;margin-bottom:18px;border-radius:2px}
.hp-step-heading{font-size:18px;font-weight:700;color:var(--navy);margin-bottom:10px;font-family:var(--sans)}
.hp-step-body{font-size:14px;color:var(--t2);line-height:1.75;margin:0}

/* ── Final CTA ───────────────────────────────────────── */
.hp-cta{padding:96px 0;background:linear-gradient(135deg,var(--indigo2) 0%,var(--indigo) 60%,#818CF8 130%)}
.hp-cta-inner{text-align:center}
.hp-cta-h{font-family:var(--sans);font-size:clamp(26px,3.5vw,44px);font-weight:700;color:#fff;letter-spacing:-.5px;line-height:1.18;margin:0 0 18px;text-wrap:balance}
.hp-cta-p{font-size:16px;color:rgba(255,255,255,.75);line-height:1.7;max-width:500px;margin:0 auto 36px}
.hp-cta-acts{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.hp-cta-acts .btn-white{font-size:14px;padding:13px 28px;border-radius:8px;font-weight:600}
.hp-cta-ghost{background:transparent;border:1.5px solid rgba(255,255,255,.35);color:rgba(255,255,255,.85);border-radius:8px;padding:12px 26px;font-size:14px;font-weight:500;cursor:pointer;transition:all .2s;font-family:var(--sans)}
.hp-cta-ghost:hover{border-color:rgba(255,255,255,.7);color:#fff;background:rgba(255,255,255,.1)}

/* ── Homepage responsive ─────────────────────────────── */
@media(max-width:1060px){
  .hp-trust-grid{grid-template-columns:repeat(2,1fr)}
  .hp-services-grid{grid-template-columns:repeat(2,1fr)}
  .hp-why-grid{grid-template-columns:1fr}
}
@media(max-width:760px){
  .hp-inner{padding:0 20px}
  .hp-trust{padding:52px 0}
  .hp-trust-grid{grid-template-columns:1fr;gap:1px}
  .hp-trust-item{padding:26px 22px;flex-direction:row;align-items:flex-start}
  .hp-services{padding:64px 0}
  .hp-services-grid{grid-template-columns:1fr;gap:14px;margin-top:36px}
  .hp-svc-card{padding:24px 22px}
  .hp-audience{padding:64px 0}
  .hp-audience-row{gap:10px}
  .hp-audience-tile{padding:20px 18px;min-width:130px}
  .hp-why{padding:64px 0}
  .hp-why-grid{border-radius:10px}
  .hp-why-item{padding:26px 24px}
  .hp-process{padding:64px 0}
  .hp-process-steps{grid-template-columns:1fr;gap:1px;margin-top:40px}
  .hp-step{padding:32px 24px}
  .hp-step-num{font-size:36px}
  .hp-cta{padding:64px 0}
  .hp-cta-p{font-size:15px}
  .pm-hero-acts{flex-direction:column;align-items:stretch;max-width:280px;margin-left:auto;margin-right:auto}
  .pm-hero-acts .btn,.pm-hero-ghost{width:100%;justify-content:center;text-align:center}
}
@media(max-width:480px){
  .hp-trust-item{flex-direction:column}
  .hp-h2{font-size:clamp(22px,6vw,32px);margin-bottom:32px}
  .hp-audience-row{justify-content:flex-start}
}


/* ═══════════════════════════════════════════════════════════
   DESIGN SYSTEM v2 — Site-wide cohesion
   Applies uniformly to every page: nav, footer, hero, cards,
   buttons, forms, calculator, deadlines, CMS, blog, about,
   contact, services. No page uses a different visual language.
   ─────────────────────────────────────────────────────────── */

/* ── New design tokens ─────────────────────────────────── */
:root {
  --display:'Cormorant Garamond','Garamond',Georgia,serif;

  /* Gold — used for accents, not backgrounds */
  --gold-accent:#A67C00;
  --gold-light:#FDF6E3;
  --gold-rule:rgba(166,124,0,.35);

  /* Refined radius */
  --r:12px; --rs:8px; --rl:18px;

  /* Refined shadows */
  --shadow-sm:0 1px 3px rgba(11,30,61,.07),0 1px 2px rgba(11,30,61,.04);
  --shadow:0 4px 20px rgba(11,30,61,.08),0 2px 6px rgba(11,30,61,.04);
  --shadow-lg:0 16px 48px rgba(11,30,61,.12),0 4px 12px rgba(11,30,61,.06);
  --shadow-xl:0 32px 80px rgba(11,30,61,.18),0 8px 24px rgba(11,30,61,.08);
  --shadow-indigo:0 8px 28px rgba(99,102,241,.22);

  /* Easing */
  --ease-out:cubic-bezier(.22,1,.36,1);
  --ease-in-out:cubic-bezier(.4,0,.2,1);
}

/* ── Global heading override — display font everywhere ─── */
h1,h2,h3,h4,
.sec-h,
.hero h1,
.pm-hero-h1,
.pm-about-h,
.pm-principles-h,
.pm-showcase-h,
.pm-insights-h strong,
.px-edit-statement,
.px-cov-h,
.px-tyr-h,
.px-phil-title,
.px-product-h,
.px-press-h,
.hp-h2,
.hp-step-heading,
.hp-cta-h,
.hp-trust-heading,
.hp-why-heading,
.hp-svc-name,
.about-hero-h,
.th-h,
.ch-h,
.post-h1,
.post-body h2,
.post-body h3,
.adm-t,
.login-h,
.cta-bh,
.nl-t,
.fa-h,
.bc-t,
.hmrc-sb-t,
.dh-list-nm,
.dl-nm,
.tool-t,
.kpi-value,
.adm-mn,
.sc-n,
.about-fact-n,
.pm-pillar-value,
.pc-plan,
.pc-amt {
  font-family:var(--display) !important;
  letter-spacing:-.01em;
}

/* Body copy stays Inter */
body,p,span,a,li,td,th,input,textarea,select,button,label {
  font-family:var(--sans);
}

/* ── Unified scroll-reveal animation system ────────────── */
/* Replaces hp-anim/hp-in, px-anim/px-in, reveal/reveal.in  */
.ds-reveal,
.hp-anim,
.px-anim,
.reveal {
  opacity:0;
  transform:translateY(18px);
  transition:opacity .75s var(--ease-out),transform .75s var(--ease-out);
}
.ds-reveal.ds-in,
.hp-anim.hp-in,
.px-anim.px-in,
.reveal.in {
  opacity:1;
  transform:none;
}
@media(prefers-reduced-motion:reduce) {
  .ds-reveal,.hp-anim,.px-anim,.reveal {
    opacity:1;transform:none;transition:none;
  }
}

/* ── Navigation refinement ─────────────────────────────── */
#nav {
  background:rgba(255,255,255,.98);
  border-bottom:1px solid rgba(11,30,61,.08);
  transition:box-shadow .2s,border-color .2s;
}
#nav.scrolled {
  box-shadow:0 2px 24px rgba(11,30,61,.10);
  border-color:rgba(11,30,61,.12);
}
.nl {
  font-size:13px;
  font-weight:500;
  color:var(--t2);
  letter-spacing:.01em;
}
.nl:hover,.nl.on { color:var(--navy); }
.nl::after { background:var(--gold-accent); }
.nl-tools { color:var(--indigo); }
.nl-tools::after { background:var(--indigo); }
.ln { font-family:var(--sans) !important; font-size:14px; font-weight:700; letter-spacing:-.2px; }
.ln span { color:var(--indigo); }
.ls { font-size:9px; letter-spacing:1.8px; color:var(--t3); }

/* ── Buttons — unified ─────────────────────────────────── */
.btn {
  font-size:13px;
  font-weight:600;
  letter-spacing:.01em;
  border-radius:8px;
  transition:all .18s var(--ease-out);
}
.btn-indigo,.btn-blue {
  background:var(--indigo);
  color:#fff;
  border:none;
  box-shadow:0 2px 10px rgba(99,102,241,.25);
}
.btn-indigo:hover,.btn-blue:hover {
  background:var(--indigo2);
  box-shadow:0 6px 20px rgba(99,102,241,.35);
  transform:translateY(-1px);
}
.btn-navy {
  background:var(--navy);
  color:#fff;
  box-shadow:0 2px 10px rgba(11,30,61,.2);
}
.btn-navy:hover {
  background:var(--navy2);
  box-shadow:0 6px 20px rgba(11,30,61,.28);
  transform:translateY(-1px);
}
.btn-ghost {
  background:transparent;
  border:1.5px solid var(--br2);
  color:var(--t2);
  box-shadow:none;
}
.btn-ghost:hover {
  border-color:var(--navy);
  color:var(--navy);
  transform:translateY(-1px);
}
.btn-white {
  background:#fff;
  color:var(--navy);
  font-weight:700;
}
.btn-white:hover {
  background:var(--g50);
  transform:translateY(-1px);
}
.btn-sm { font-size:12px; padding:7px 15px; border-radius:7px; }

/* ── Cards — site-wide consistency ────────────────────── */
/* Tool cards */
.tool-card {
  border-radius:var(--r);
  border:1px solid var(--br);
  transition:border-color .2s,box-shadow .2s,transform .2s;
}
.tool-card:hover {
  border-color:var(--indigo);
  box-shadow:0 8px 32px rgba(99,102,241,.12);
  transform:translateY(-4px);
}
/* Blog cards */
.bc {
  border-radius:var(--r);
  transition:border-color .2s,box-shadow .2s,transform .2s;
}
.bc:hover {
  border-color:var(--indigo);
  box-shadow:0 8px 28px rgba(99,102,241,.10);
  transform:translateY(-3px);
}
/* Deadline cards */
.dl-c {
  border-radius:var(--r);
  transition:border-color .2s,box-shadow .2s,transform .18s;
}
.dl-c:hover {
  border-color:var(--indigo);
  box-shadow:0 8px 28px rgba(99,102,241,.12);
  transform:translateY(-3px);
}
/* KPI cards */
.kpi { border-radius:var(--r); }
/* Breakdown */
.breakdown { border-radius:var(--r); }
/* About cards */
.about-audience-card,.about-service-card {
  border-radius:var(--r);
  transition:border-color .2s,box-shadow .2s,transform .2s;
}
.about-audience-card:hover,.about-service-card:hover {
  border-color:var(--indigo);
  box-shadow:0 8px 28px rgba(99,102,241,.10);
  transform:translateY(-3px);
}
/* Featured article */
.featured-art {
  border-radius:var(--rl);
  transition:border-color .2s,box-shadow .2s;
}
.featured-art:hover {
  border-color:var(--indigo);
  box-shadow:0 8px 32px rgba(99,102,241,.12);
}
/* Why grid home cards */
.why-card {
  border-radius:var(--r);
  transition:border-color .2s,box-shadow .2s,transform .2s;
}
.why-card:hover {
  border-color:var(--indigo);
  box-shadow:0 8px 28px rgba(99,102,241,.10);
  transform:translateY(-3px);
}
/* Pricing */
.pricing-card {
  border-radius:var(--rl);
}

/* ── Forms — site-wide consistency ────────────────────── */
.fi,
.ci-input,
.ci-select,
.nl-f {
  border-radius:8px;
  border:1.5px solid var(--br2);
  font-size:14px;
  transition:border-color .15s,box-shadow .15s;
}
.fi:focus,
.ci-input:focus,
.ci-select:focus {
  border-color:var(--indigo);
  box-shadow:0 0 0 3px rgba(99,102,241,.10);
  outline:none;
}
/* Submit buttons in forms */
.ci-calc-btn {
  border-radius:8px;
  font-weight:600;
  letter-spacing:.01em;
  transition:background .18s,transform .15s;
}
.ci-calc-btn:hover {
  transform:translateY(-1px);
  background:var(--navy2);
}

/* ── Section headings — display font refinements ───────── */
.sec-h {
  font-size:clamp(28px,3vw,40px);
  font-weight:700;
  line-height:1.18;
  letter-spacing:-.03em;
  color:var(--navy);
}
.hp-h2 {
  font-size:clamp(28px,3.5vw,44px);
  font-weight:700;
  letter-spacing:-.03em;
  line-height:1.15;
}
.pm-hero-h1 {
  font-size:clamp(44px,7vw,90px);
  font-weight:700;
  letter-spacing:-.04em;
  line-height:1.04;
}
.pm-about-h {
  font-size:clamp(30px,3.5vw,48px);
  font-weight:300;
  line-height:1.18;
  letter-spacing:-.02em;
}
.pm-about-h strong { font-weight:700; }
.pm-principles-h {
  font-size:clamp(28px,3.5vw,44px);
  font-weight:300;
  line-height:1.18;
  letter-spacing:-.02em;
}
.about-hero-h {
  font-size:clamp(36px,5vw,56px);
  font-weight:700;
  letter-spacing:-.03em;
}
.post-h1 {
  font-size:clamp(28px,3.5vw,44px);
  font-weight:700;
  letter-spacing:-.02em;
  line-height:1.18;
}
.post-body h2 {
  font-size:clamp(22px,2.5vw,30px);
  font-weight:600;
  letter-spacing:-.02em;
}
.th-h {
  font-size:clamp(30px,4vw,46px);
  font-weight:700;
  letter-spacing:-.03em;
}
.ch-h {
  font-size:clamp(24px,3vw,36px);
  font-weight:700;
  letter-spacing:-.02em;
}

/* ── Eyebrow / kicker — gold accent ───────────────────── */
.hp-kicker,
.eyebrow.ey-blue,
.pm-about-eyebrow,
.px-label,
.ey-gold,
.ch-kicker,
.th-kicker,
.hero-kicker {
  color:var(--gold-accent);
  font-weight:700;
  letter-spacing:3px;
}
.pm-about-eyebrow::before {
  background:var(--gold-accent) !important;
}
.hp-kicker-light,
.px-label-light,
.pm-ey-light {
  color:rgba(210,170,90,.7) !important;
}
.pm-ey-light::before {
  background:rgba(210,170,90,.5) !important;
}

/* ── Nav gold accent rule ──────────────────────────────── */
.nl::after { background:var(--gold-accent); }
.nl-tools::after { background:var(--indigo); }

/* ── Trust grid on homepage ────────────────────────────── */
.hp-trust-heading {
  font-size:17px;
  font-weight:700;
  letter-spacing:-.02em;
  line-height:1.25;
}
.hp-trust-icon {
  background:var(--gold-light);
  color:var(--gold-accent);
}

/* ── Services cards ────────────────────────────────────── */
.hp-svc-icon {
  background:var(--gold-light);
  color:var(--gold-accent);
}
.hp-svc-card:hover {
  border-color:var(--gold-accent);
  box-shadow:0 12px 40px rgba(166,124,0,.10),0 2px 8px rgba(11,30,61,.06);
}
.hp-svc-link { color:var(--gold-accent); }

/* ── Audience tiles ────────────────────────────────────── */
.hp-audience-icon {
  background:#fff;
  border:1px solid var(--br);
  color:var(--navy);
}
.hp-audience-tile:hover {
  border-color:var(--gold-accent);
  background:var(--gold-light);
}

/* ── Why Sterling — navy panel ─────────────────────────── */
.hp-why-item { border-left:3px solid var(--gold-accent); }
.hp-why-heading { font-size:17px; }

/* ── How we work — step numbers ───────────────────────── */
.hp-step-num { color:var(--gold-accent); opacity:.22; }
.hp-step-rule { background:var(--gold-accent); }
.hp-step-heading { font-size:20px; letter-spacing:-.02em; }

/* ── CTA band ─────────────────────────────────────────── */
.hp-cta {
  background:linear-gradient(135deg,var(--navy) 0%,#1B3461 60%,#4F46E5 130%);
}

/* ── Footer refinements ────────────────────────────────── */
footer { background:var(--midnight); }
.f-rule {
  height:2px;
  background:linear-gradient(90deg,var(--gold-accent),rgba(166,124,0,.4) 50%,transparent 80%);
  opacity:.6;
}
.f-col h4 { color:rgba(255,255,255,.3); letter-spacing:2.5px; }
.f-col a { color:rgba(255,255,255,.48); }
.f-col a:hover { color:rgba(255,255,255,.9); }
.f-bl,.f-bls a { color:rgba(255,255,255,.28); }
.f-bls a:hover { color:rgba(255,255,255,.65); }
.f-cert { border-color:rgba(255,255,255,.07); color:rgba(255,255,255,.3); }
.f-bd { color:rgba(255,255,255,.38); }

/* ── Tools hub ─────────────────────────────────────────── */
.tools-hero { background:var(--midnight); }
.tcat-btn:hover { border-color:var(--gold-accent); color:var(--gold-accent); }
.tcat-btn.on { background:var(--navy); border-color:var(--navy); color:#fff; }

/* ── Calculator hero ───────────────────────────────────── */
.calc-hero { background:var(--midnight); }

/* ── Deadlines ─────────────────────────────────────────── */
.dh-tab.on { color:var(--gold-accent); border-color:var(--gold-accent); }

/* ── Blog/insights page ────────────────────────────────── */
.bc-r { color:var(--gold-accent); }
.fa-tag { color:var(--gold-accent); }

/* ── Post page ─────────────────────────────────────────── */
.post-body a { color:var(--gold-accent); border-bottom-color:var(--gold-light); }
.post-body a:hover { border-bottom-color:var(--gold-accent); }
.post-body blockquote { border-left-color:var(--gold-accent); }
.post-body .callout { background:var(--gold-light); border-left-color:var(--gold-accent); }
.post-tag { background:var(--gold-light); color:var(--gold-accent); }

/* ── About page ────────────────────────────────────────── */
.about-service-title { border-bottom-color:var(--gold-accent); }
.about-method-ck { color:var(--gold-accent); }

/* ── Calculator input focus ────────────────────────────── */
.ci-input:focus,.ci-select:focus { border-color:var(--gold-accent); box-shadow:0 0 0 3px rgba(166,124,0,.10); }
.ci-calc-btn { background:var(--navy); }
.ci-calc-btn:hover { background:var(--navy2); }
.ci-reset-btn:hover { border-color:var(--gold-accent); color:var(--gold-accent); }

/* ── KPI cards — gold primary ─────────────────────────── */
.kpi-primary::before { background:var(--gold-accent); }

/* ── Breadcrumbs ───────────────────────────────────────── */
.crumbs a:hover { color:var(--gold-accent); }
.crumbs-back:hover { border-color:var(--gold-accent); color:var(--gold-accent); }

/* ── Admin CMS ─────────────────────────────────────────── */
.sb-i.on { border-color:var(--gold-accent); }
.login-card { border-radius:var(--rl); }

/* ── Contact form success ──────────────────────────────── */
.succ { border-color:rgba(166,124,0,.3); background:var(--gold-light); color:var(--gold-accent); }

/* ── Page transition ───────────────────────────────────── */
.page.active { animation:pgIn .3s var(--ease-out); }
@keyframes pgIn { from{opacity:0;transform:translateY(8px)} to{opacity:1;transform:none} }

/* ── Section background alternation (consistent rhythm) ── */
/* Light sections keep --canvas, navy sections keep --navy */
.hp-trust   { background:#fff; }
.hp-audience { background:#fff; }
.hp-process  { background:var(--g25); }
.hp-why      { background:var(--midnight); }
.hp-cta      { background:linear-gradient(135deg,var(--midnight) 0%,#1B3461 60%,#4F46E5 130%); }
.pm-about    { background:#fff; }
.pm-principles { background:var(--midnight); }
.pm-showcase { background:var(--g25); }
.pm-insights { background:#fff; }

/* ── Scrollbar (webkit) ───────────────────────────────── */
::-webkit-scrollbar { width:6px; height:6px; }
::-webkit-scrollbar-track { background:transparent; }
::-webkit-scrollbar-thumb { background:rgba(11,30,61,.18); border-radius:6px; }
::-webkit-scrollbar-thumb:hover { background:rgba(11,30,61,.32); }

/* ── Selection highlight ──────────────────────────────── */
::selection { background:rgba(166,124,0,.18); color:var(--navy); }

/* ── Focus ring — accessible ──────────────────────────── */
:focus-visible { outline:2px solid var(--gold-accent); outline-offset:3px; }

/* ── Loader brand ─────────────────────────────────────── */
.loader { background:var(--midnight); }
.loader-name span { color:var(--gold-accent); }
.loader-bar-fill { background:var(--gold-accent); }

/* ── Reading progress bar ─────────────────────────────── */
.rbar { background:var(--gold-accent); }

/* ── Toast ────────────────────────────────────────────── */
.toast { border-radius:10px; font-size:13px; }

/* ── Mobile menu ──────────────────────────────────────── */
.mob { background:var(--midnight); }

/* ── Global link hover on nav ─────────────────────────── */
.nl.on::after,.nl:hover::after { transform:scaleX(1); }

/* ══════════════════════════════════════════════════════════
   Responsive design system adjustments
═══════════════════════════════════════════════════════════ */
@media(max-width:960px){
  .pm-hero-h1 { letter-spacing:-.03em; }
  .hp-h2 { margin-bottom:36px; }
  .hp-svc-card:hover { transform:none; }
  .tool-card:hover,.bc:hover,.dl-c:hover,.about-audience-card:hover { transform:none; }
}
@media(max-width:680px){
  :root { --r:10px; --rl:14px; }
  .pm-hero-h1 { font-size:clamp(36px,10vw,52px); letter-spacing:-.03em; }
  .hp-h2 { font-size:clamp(24px,6vw,34px); }
  .btn { padding:10px 20px; }
  .btn-sm { padding:7px 14px; font-size:11.5px; }
}

/* ═══════════════════════════════════════════════════════════
   FONT CLARITY FIX — Cormorant only at display sizes (18px+)
   Small text reverts to Inter for crispness
   ─────────────────────────────────────────────────────────── */

/* Card titles — Cormorant at 600 weight so it renders crisply */
.tool-t,.bc-t,.dl-nm,.hsvc-t,.why-h,.hp-trust-heading,
.hp-svc-name,.hp-step-heading,.hp-why-heading,
.about-audience-label,.about-service-title,
.pc-plan,.tip-label,.adm-tt,.ci-title {
  font-family:var(--display) !important;
  font-weight:600 !important;
  font-size:15px;
  letter-spacing:-.01em;
}

/* Small UI text — always Inter, no serif */
.tool-d,.bc-m,.bc-r,.dl-ds,.hp-trust-text,.hp-svc-desc,
.hp-step-body,.hp-why-body,.hp-audience-label,
.ttag,.hpill,.sp,.pa-b,.tb-b,.tcat-btn,
.ci-label,.ci-hint,.ci-section-label,
.kpi-label,.kpi-sub,.bk-name,.bk-pct,
.dl-dy,.ch-meta,.ch-badge,.post-meta,
.bc-cat,.fa-tag,.fa-meta,.eyebrow,
.hp-kicker,.px-label,.pm-about-eyebrow,
.adm-ml,.adm-md,.sb-i,.sb-section,
.f-cert,.f-col h4,.f-col a,.f-bl,.f-bls a,
.crumbs,.crumbs-back,.crumbs .sep,
.nav-links .nl,.ls,.ntel,
.dh-tab,.dh-list-cat,.dh-list-ds,
.dl-dt small,.hmrc-id,.hmrc-im,.hmrc-it,
.tool-tags .ttag,.ch-badge,.ch-kicker {
  font-family:var(--sans) !important;
}

/* KPI values — mono stays mono */
.kpi-value,.sc-n,.bk-amt,.dl-dt,
.dh-list-date,.pm-pillar-value,.about-fact-n {
  font-family:var(--display) !important;
  font-weight:700 !important;
  letter-spacing:-.03em;
}

/* Deadline date numbers specifically */
.dh-list-date {
  font-size:22px !important;
  font-weight:700 !important;
  line-height:1.1;
  letter-spacing:-.03em;
}

/* Post body stays readable */
.post-body p,.post-body li,.post-body blockquote {
  font-family:var(--sans) !important;
  font-size:15px;
  line-height:1.85;
}

/* Tool card title size bump for clarity */
.tool-t { font-size:15.5px !important; }

/* Blog card title */
.bc-t { font-size:15px !important; font-weight:600 !important; }

/* Deadline name */
.dh-list-nm { font-family:var(--sans) !important; font-size:14px !important; font-weight:600 !important; }

/* Nav brand name — stays sans for crispness at small size */
.ln,.ls { font-family:var(--sans) !important; }

/* Section kickers — sans, all caps, no serif */
.hp-kicker,.eyebrow,.px-label,.pm-about-eyebrow,
.ey-blue,.ey-gold,.ey-muted,.ey-light,.pm-ey-light {
  font-family:var(--sans) !important;
  font-size:10px !important;
  font-weight:700 !important;
  letter-spacing:3px !important;
}

/* Table cells — always Inter */
td,th { font-family:var(--sans) !important; }

/* ══════════════════════════════════════════════════════════
   TEXT ANIMATION SYSTEM
   Hero: staggered slide-up per element on load
   Sections: slide-up on scroll with child stagger
   ══════════════════════════════════════════════════════════ */

/* ── Hero element animations (load-time, staggered) ── */
@keyframes heroSlideUp {
  from { opacity:0; transform:translateY(32px); }
  to   { opacity:1; transform:translateY(0); }
}
@keyframes heroFadeIn {
  from { opacity:0; }
  to   { opacity:1; }
}

.pm-hero-kicker {
  opacity:0;
  animation: heroSlideUp .7s cubic-bezier(0.22,1,0.36,1) .4s forwards;
}
.pm-hero-h1 {
  opacity:0;
  animation: heroSlideUp .85s cubic-bezier(0.22,1,0.36,1) .65s forwards;
}
.pm-hero-sub {
  opacity:0;
  animation: heroSlideUp .8s cubic-bezier(0.22,1,0.36,1) .9s forwards;
}
.pm-hero-acts {
  opacity:0;
  animation: heroSlideUp .75s cubic-bezier(0.22,1,0.36,1) 1.1s forwards;
}

/* ── Slide up ── */
/* ── Keyframe definitions ── */
@keyframes taSlideUp   { from{opacity:0;transform:translateY(48px)} to{opacity:1;transform:none} }
@keyframes taSlideLeft { from{opacity:0;transform:translateX(-56px)} to{opacity:1;transform:none} }
@keyframes taSlideRight{ from{opacity:0;transform:translateX(56px)}  to{opacity:1;transform:none} }
@keyframes taFadeIn    { from{opacity:0} to{opacity:1} }
@keyframes taScaleUp   { from{opacity:0;transform:scale(0.88) translateY(16px)} to{opacity:1;transform:none} }

/* opacity/transform set directly by JS — no CSS hiding needed */

/* ── Animate when .ta-in is added ── */
.ta-up.ta-in    { animation: taSlideUp    .8s cubic-bezier(0.16,1,0.3,1) both; }
.ta-left.ta-in  { animation: taSlideLeft  .8s cubic-bezier(0.16,1,0.3,1) both; }
.ta-right.ta-in { animation: taSlideRight .8s cubic-bezier(0.16,1,0.3,1) both; }
.ta-fade.ta-in  { animation: taFadeIn     .9s cubic-bezier(0.16,1,0.3,1) both; }
.ta-scale.ta-in { animation: taScaleUp    .7s cubic-bezier(0.16,1,0.3,1) both; }

/* ── Manual stagger delays ── */
.ta-d1 { animation-delay:.08s !important; }
.ta-d2 { animation-delay:.16s !important; }
.ta-d3 { animation-delay:.24s !important; }
.ta-d4 { animation-delay:.32s !important; }
.ta-d5 { animation-delay:.40s !important; }
.ta-d6 { animation-delay:.48s !important; }
.ta-d7 { animation-delay:.56s !important; }
.ta-d8 { animation-delay:.64s !important; }

/* ── Grid stagger via parent ── */
.ta-stagger > *:nth-child(1)  { animation-delay:.06s; }
.ta-stagger > *:nth-child(2)  { animation-delay:.14s; }
.ta-stagger > *:nth-child(3)  { animation-delay:.22s; }
.ta-stagger > *:nth-child(4)  { animation-delay:.30s; }
.ta-stagger > *:nth-child(5)  { animation-delay:.38s; }
.ta-stagger > *:nth-child(6)  { animation-delay:.46s; }
.ta-stagger > *:nth-child(7)  { animation-delay:.54s; }
.ta-stagger > *:nth-child(8)  { animation-delay:.62s; }

/* ── Section heading style helpers ── */
.section-eyebrow {
  display:block;
  font-size:11px;
  font-weight:700;
  letter-spacing:3px;
  text-transform:uppercase;
  color:var(--indigo);
  margin-bottom:12px;
}
.section-h { margin-bottom:14px; }
.section-sub {
  font-size:clamp(15px,1.6vw,18px);
  color:var(--muted);
  line-height:1.72;
  max-width:560px;
}

/* ── Reduced motion ── */
@media (prefers-reduced-motion:reduce) {
  .ta-up,.ta-left,.ta-right,.ta-fade,.ta-scale,
  .ta-up.ta-in,.ta-left.ta-in,.ta-right.ta-in,.ta-fade.ta-in,.ta-scale.ta-in {
    opacity:1 !important; transform:none !important; animation:none !important;
  }
  .pm-hero-kicker,.pm-hero-h1,.pm-hero-sub,.pm-hero-acts {
    opacity:1 !important; animation:none !important;
  }
}

/* ══════════════════════════════════════════════════════════
   FONT UNIFICATION — Inter everywhere, Cormorant only on hero h1
   Targeted overrides (no * selector — avoids style-recalc cost).
   ══════════════════════════════════════════════════════════ */

/* Override all --display assignments back to Inter */
h1,h2,h3,h4,h5,h6,
.tool-t,.bc-t,.dl-nm,.hsvc-t,.why-h,.hp-trust-heading,
.hp-svc-name,.hp-step-heading,.hp-why-heading,
.about-audience-label,.about-service-title,
.pc-plan,.tip-label,.adm-tt,.ci-title,
.ch-h,.post-h1,.post-body h2,.post-body h3,
.adm-t,.login-h,.cta-bh,.nl-t,.fa-h,.hmrc-sb-t,
.dh-list-nm,.adm-mn,.sc-n,.about-fact-n,
.pm-pillar-value,.pc-amt {
  font-family: var(--sans) !important;
}

/* Hero h1 only keeps Cormorant Garamond for dramatic impact */
.pm-hero-h1 {
  font-family: 'Cormorant Garamond', Georgia, serif !important;
  font-weight: 700 !important;
  letter-spacing: -0.02em !important;
}

/* Mono for numeric outputs */
.kpi-value, .bk-amt, .dl-dt,
.dh-list-date, .pm-pillar-value, .about-fact-n,
code, pre, kbd {
  font-family: 'JetBrains Mono', 'Courier New', monospace !important;
}

/* ── Frequency table (True Cost calculator) ──────────── */
.freq-table{border:1px solid var(--br);border-radius:10px;overflow:hidden;font-size:13px}
.ft-head{display:grid;grid-template-columns:90px repeat(5,1fr);padding:9px 16px;background:var(--g50);font-size:11px;font-weight:700;color:var(--t3);text-transform:uppercase;letter-spacing:.5px;border-bottom:1px solid var(--br)}
.ft-row{display:grid;grid-template-columns:90px repeat(5,1fr);padding:10px 16px;border-top:1px solid var(--br);font-size:13px;font-variant-numeric:tabular-nums}
.ft-row:hover{background:var(--g50)}
.ft-row span:first-child{font-weight:600;color:var(--t2)}
.ft-row span{color:var(--t1)}
@media(max-width:680px){
  .ft-head,.ft-row{grid-template-columns:70px repeat(5,1fr);font-size:11px;padding:8px 10px}
}

/* ── Payslip card ─────────────────────────────────────── */
.payslip-card{border:1.5px solid var(--br);border-radius:14px;overflow:hidden;margin-bottom:16px;font-size:13px;box-shadow:var(--shadow)}
.ps-header{background:var(--navy);color:#fff;padding:18px 22px;display:flex;justify-content:space-between;align-items:flex-start;gap:12px}
.ps-header-title{font-size:18px;font-weight:900;letter-spacing:1.5px}
.ps-header-meta{font-size:11px;opacity:.65;margin-top:3px}
.ps-header-right{text-align:right;flex-shrink:0}
.ps-header-badge{font-size:11px;background:rgba(255,255,255,.12);padding:3px 8px;border-radius:4px;display:inline-block;margin-top:3px}
.ps-body{display:grid;grid-template-columns:1fr 1fr}
.ps-col{padding:14px 18px;border-right:1px solid var(--br)}
.ps-col:last-child{border-right:none}
.ps-section-label{font-size:10px;font-weight:700;text-transform:uppercase;color:var(--t3);letter-spacing:.8px;padding-bottom:8px;border-bottom:1px solid var(--br);margin-bottom:10px}
.ps-line{display:flex;justify-content:space-between;margin-bottom:7px;color:var(--t1);font-size:13px}
.ps-line span:last-child{font-weight:600;font-variant-numeric:tabular-nums}
.ps-neg span:last-child{color:var(--red)}
.ps-sub{border-top:1px solid var(--br);padding-top:6px;margin-top:4px;font-weight:600;color:var(--t2)}
.ps-col-total{display:flex;justify-content:space-between;margin-top:10px;padding-top:8px;border-top:2px solid var(--br);font-weight:700;font-size:13px}
.ps-net{background:var(--navy);color:#fff;padding:14px 22px;display:flex;justify-content:space-between;align-items:center}
.ps-net-label{font-size:12px;font-weight:600;opacity:.75;letter-spacing:.5px;text-transform:uppercase}
.ps-net-amount{font-size:26px;font-weight:900;font-variant-numeric:tabular-nums}
.ps-ytd{background:var(--g50);border-top:1px solid var(--br);display:grid;grid-template-columns:repeat(4,1fr);padding:12px 18px;gap:8px}
.ps-ytd-item{text-align:center}
.ps-ytd-val{font-size:14px;font-weight:800;color:var(--navy);font-variant-numeric:tabular-nums}
.ps-ytd-lbl{font-size:10px;color:var(--t3);margin-top:2px}
.ps-employer-row{padding:10px 18px;font-size:12px;color:var(--t2);background:#F8FAFD;border-top:1px solid var(--br)}
@media(max-width:600px){
  .ps-body{grid-template-columns:1fr}
  .ps-col{border-right:none;border-bottom:1px solid var(--br)}
  .ps-ytd{grid-template-columns:repeat(2,1fr)}
  .ft-head{display:none}
  .ft-row{grid-template-columns:1fr 1fr;gap:4px}
}

/* ── Companies House lookup ──────────────────────────────── */
.ch-result-row{padding:10px 14px;border:1.5px solid var(--br);border-radius:8px;cursor:pointer;margin-bottom:8px;transition:border-color .15s,background .15s}
.ch-result-row:hover{border-color:var(--blue2);background:#F0F4FF}
.ch-res-name{font-size:14px;font-weight:700;color:var(--navy)}
.ch-res-meta{font-size:12px;color:var(--t2);margin-top:2px}
.ch-card{background:#fff;border:1.5px solid var(--br);border-radius:12px;overflow:hidden}
.ch-card-header{display:flex;justify-content:space-between;align-items:flex-start;padding:18px 22px;border-bottom:1px solid var(--br);background:var(--g50);gap:12px}
.ch-card-name{font-size:18px;font-weight:800;color:var(--navy);letter-spacing:-.3px}
.ch-card-meta{font-size:12px;color:var(--t2);margin-top:4px}
.ch-card-addr{font-size:12px;color:var(--t3);margin-top:3px}
.ch-dl-list{padding:16px 22px;display:flex;flex-direction:column;gap:12px}
.ch-dl-row{display:flex;align-items:flex-start;gap:12px}
.ch-dl-icon{font-size:20px;flex-shrink:0;margin-top:1px}
.ch-dl-info{flex:1}
.ch-dl-label{font-size:14px;font-weight:700;color:var(--navy)}
.ch-dl-date{font-size:13px;color:var(--t2);margin-top:2px}
.ch-card-actions{padding:14px 22px;border-top:1px solid var(--br);background:var(--g50);display:flex;gap:8px;flex-wrap:wrap}
@media(max-width:600px){
  .ch-card-header{flex-direction:column}
  .ch-card-actions{flex-direction:column}
}

/* ── VAT lookup ──────────────────────────────────────────── */
.vat-card{border:1.5px solid var(--br);border-radius:12px;padding:18px 22px;max-width:620px}
.vat-valid{border-color:#16A34A;background:#F0FDF4}
.vat-invalid{border-color:#DC2626;background:#FEF2F2}
.vat-status-row{display:flex;align-items:center;gap:12px;margin-bottom:14px;flex-wrap:wrap}
.vat-badge{font-size:12px;font-weight:700;padding:4px 10px;border-radius:6px}
.vat-badge-valid{background:#DCFCE7;color:#15803D}
.vat-badge-invalid{background:#FEE2E2;color:#DC2626}
.vat-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:14px}
.vat-field-label{font-size:11px;font-weight:700;letter-spacing:.6px;text-transform:uppercase;color:var(--t3);margin-bottom:3px}
.vat-field-value{font-size:14px;font-weight:600;color:var(--navy)}
.vat-msg{font-size:14px;color:var(--t1)}
.vat-disclaimer{font-size:11px;color:var(--t3);border-top:1px solid #BBF7D0;padding-top:10px;line-height:1.6}
@media(max-width:600px){.vat-grid{grid-template-columns:1fr}}