:root{
    --navy:#1B2545; --navy-2:#243156; --navy-3:#2C3A5B;
    --cream:#F3EBDB; --paper:#FAF6EE; --paper-2:#F1E9D9;
    --gold:#C8A14A; --gold-deep:#9C7A28; --gold-2:#DAB864;
    --teal:#2E6257; --teal-2:#3E7E6F; --teal-soft:#DCE9E4;
    --ink:#1F2536; --muted:#5B6478; --on-navy-muted:#A9B2CC;
    --line:#E4DDCE; --line-navy:#33406088;
    --crit:#B23B3B; --crit-soft:#F6E7E4;
    --maxw:1160px;
    --display:'Fraunces',Georgia,serif; --body:'Inter',system-ui,sans-serif; --mono:'JetBrains Mono',monospace;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  /* v34.0 fix: the sticky 70px nav was covering the top of every anchor target. */
  [id]{scroll-margin-top:88px;}
  body{margin:0;font-family:var(--body);color:var(--ink);background:var(--paper);line-height:1.6;-webkit-font-smoothing:antialiased;}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px;}
  h1,h2,h3{font-family:var(--display);font-weight:600;color:var(--navy);line-height:1.12;margin:0;}
  p{margin:0 0 16px;}
  a{color:inherit;}
  .eyebrow{font-family:var(--mono);font-size:.7rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--teal);}
  .eyebrow.on-navy{color:var(--gold-2);}
  .eyebrow.gold{color:var(--gold-deep);}
  .eyebrow.crit{color:var(--crit);}
  .btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--body);font-weight:600;font-size:1rem;border:none;border-radius:999px;padding:14px 26px;cursor:pointer;text-decoration:none;transition:transform .15s ease, box-shadow .15s ease, background .15s ease;}
  .btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 6px 18px rgba(200,161,74,.28);}
  .btn-gold:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(200,161,74,.36);}
  .btn-ghost{background:transparent;border:1.5px solid var(--line);color:var(--navy);}
  .btn-ghost:hover{border-color:var(--gold);}
  .btn-ghost.on-navy{border-color:rgba(255,255,255,.28);color:#fff;}
  section{padding:76px 0;}
  .sec-navy{background:var(--navy);color:#e9edf7;}
  .sec-navy h2,.sec-navy h3{color:#fff;}
  .sec-paper2{background:var(--paper-2);}
  .lede{font-size:1.16rem;color:var(--muted);}
  /* shared small print — claim-specific caveats that sit next to the claim they qualify (v34.0) */
  .fineprint{font-size:.82rem;color:var(--muted);line-height:1.65;max-width:84ch;margin-top:18px;}
  .sec-navy .fineprint{color:var(--on-navy-muted);}
  .sec-navy .lede{color:var(--on-navy-muted);}

  /* ---------- nav ---------- */
  header.nav{position:sticky;top:0;z-index:40;background:rgba(250,246,238,.86);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);}
  .nav-inner{display:flex;align-items:center;justify-content:space-between;height:70px;max-width:1440px;margin:0 auto;padding:0 24px;}
  .brand{display:flex;align-items:center;gap:11px;font-family:var(--display);font-weight:600;font-size:1.12rem;color:var(--navy);text-decoration:none;flex:none;}
  .brand>span{white-space:nowrap;}
  .brand .pulse{width:26px;height:26px;color:var(--teal);flex:none;}
  .brand-stack{display:flex;flex-direction:column;line-height:1.08;}
  .brand-kicker{font-family:var(--mono);font-size:.55rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--gold-deep);text-decoration:none;margin-bottom:2px;}
  .brand-kicker:hover{text-decoration:underline;}
  .brand-name{font-family:var(--display);font-weight:600;font-size:1.12rem;color:var(--navy);text-decoration:none;white-space:nowrap;}
  .nav-links{display:flex;align-items:center;gap:2px;}
  .nav-links a{font-size:.82rem;font-weight:500;color:var(--muted);text-decoration:none;padding:5px 8px;border-radius:8px;transition:.15s;white-space:normal;text-align:center;line-height:1.12;display:inline-flex;align-items:center;justify-content:center;}
  .nav-links a:hover{color:var(--navy);background:rgba(27,37,69,.05);}
  .nav-links a.nav-start{background:var(--gold);color:#000;font-weight:600;border-radius:999px;padding:8px 16px;margin-left:6px;white-space:nowrap;box-shadow:0 4px 12px rgba(200,161,74,.30);}
  .nav-links a.nav-start:hover{color:#000;background:var(--gold-2);}
  .menu-btn{display:none;background:none;border:none;cursor:pointer;color:var(--navy);}

  /* ---------- hero ---------- */
  .hero{padding:70px 0 40px;position:relative;overflow:hidden;}
  .hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;}
  .hero h1{font-size:clamp(2.3rem,4.7vw,3.7rem);letter-spacing:-.01em;}
  .hero h1 em{font-style:italic;color:var(--teal);}
  .hero .sub{font-size:1.18rem;color:var(--muted);max-width:52ch;margin-top:22px;}
  .hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px;}
  .hero-trust{margin-top:22px;font-size:.86rem;color:var(--muted);display:flex;align-items:center;gap:8px;}
  .hero-trust .dot{width:7px;height:7px;border-radius:50%;background:var(--teal);}
  .ecg{display:block;width:100%;max-width:440px;height:34px;margin-top:26px;color:var(--teal);}
  .ecg path{fill:none;stroke:currentColor;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round;
    stroke-dasharray:900;stroke-dashoffset:900;animation:trace 2.6s ease forwards .3s;}
  @keyframes trace{to{stroke-dashoffset:0;}}

  .stat-card{background:var(--navy);color:#fff;border-radius:20px;padding:32px 30px;box-shadow:0 24px 60px rgba(27,37,69,.22);}
  .stat-card .k{font-family:var(--mono);font-size:.66rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-2);}
  .stat-row{display:flex;align-items:baseline;gap:12px;padding:16px 0;border-bottom:1px solid var(--line-navy);}
  .stat-row:last-child{border-bottom:none;}
  .stat-row .big{font-family:var(--display);font-size:2.1rem;font-weight:700;color:#fff;line-height:1;flex:none;}
  .stat-row .lbl{font-size:.92rem;color:var(--on-navy-muted);}
  .stat-foot{margin-top:16px;font-size:.76rem;color:#7d87a6;line-height:1.5;}

  /* ---------- problem ---------- */
  .head-block{max-width:720px;}
  .head-block h2{font-size:clamp(1.9rem,3.4vw,2.7rem);margin-top:14px;}

  /* ---------- signature contrast ---------- */
  .contrast{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:44px;}
  .col{border-radius:18px;padding:30px 30px 34px;}
  .col.now{background:#fff;border:1px solid var(--line);}
  .col.owned{background:var(--navy-2);border:1px solid var(--line-navy);color:#eef1f8;position:relative;}
  .col .tag{display:block;font-family:var(--display);font-weight:700;font-size:1.85rem;line-height:1.16;text-align:center;margin-bottom:10px;}
  .col.now .tag{color:var(--navy);}
  .col.owned .tag{color:#fff;}
  .col h3{font-size:1.05rem;font-weight:600;margin-bottom:6px;text-align:left;}
  .col.owned h3{color:#eef1f8;}
  .col ul{list-style:none;margin:20px 0 0;padding:0;}
  .col li{display:flex;gap:12px;padding:11px 0;font-size:1rem;line-height:1.5;border-bottom:1px solid rgba(0,0,0,.06);}
  .col.owned li{border-bottom:1px solid var(--line-navy);color:#dfe4f1;}
  .col li:last-child{border-bottom:none;}
  .col .mk{flex:none;font-weight:800;margin-top:1px;}
  .col.now .mk{color:#b23b3b;}
  .col.owned .mk{color:var(--teal-2);}
  .col.owned .ribbon{position:absolute;top:24px;right:-40px;transform:rotate(45deg);background:var(--teal);color:#fff;font-family:var(--mono);font-size:.58rem;font-weight:700;letter-spacing:.1em;padding:5px 54px;}

  /* ---------- valuation ---------- */
  .valuation{margin-top:52px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:38px 36px;box-shadow:0 16px 44px rgba(27,37,69,.08);}
  .valuation .vhead{max-width:780px;}
  .valuation h3{font-size:clamp(1.5rem,2.8vw,2rem);}
  .valuation .vlede{font-size:1.08rem;color:var(--muted);}

  /* ---------- benefits ---------- */
  .grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:44px;}
  .grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px;}
  .card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 24px;}
  .sec-navy .card{background:var(--navy-2);border-color:var(--line-navy);}
  .card .ic{width:42px;height:42px;border-radius:11px;background:var(--teal-soft);color:var(--teal);display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:20px;}
  .sec-navy .card .ic{background:rgba(62,126,111,.22);color:var(--teal-2);}
  .card h3{font-size:1.16rem;margin-bottom:8px;}
  .card p{font-size:.95rem;color:var(--muted);margin:0;}
  .sec-navy .card p{color:var(--on-navy-muted);}
  .card .tagline{display:block;font-family:var(--mono);font-size:.6rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-deep);margin-top:10px;}
  .sec-navy .card .tagline{color:var(--gold-2);}

  /* ---------- steps ---------- */
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:42px;}
  .step .num{font-family:var(--mono);font-size:.72rem;font-weight:700;letter-spacing:.12em;color:var(--gold-deep);}
  .sec-navy .step .num{color:var(--gold-2);}
  .step h3{font-size:1.14rem;margin:10px 0 8px;}
  .step p{font-size:.94rem;color:var(--muted);margin:0;}
  .sec-navy .step p{color:var(--on-navy-muted);}

  /* ---------- who / quote ---------- */
  .fit{max-width:820px;margin:0 auto;text-align:center;}
  .fit .quote{font-family:var(--display);font-style:italic;font-size:clamp(1.5rem,3vw,2.1rem);color:var(--navy);line-height:1.3;}

  /* ---------- the licensure dial ---------- */
  .dial{margin-top:44px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:34px 32px;box-shadow:0 16px 44px rgba(27,37,69,.08);}
  .dial h3{font-size:clamp(1.35rem,2.6vw,1.8rem);}
  .dial .dsub{font-size:1.02rem;color:var(--muted);margin-top:12px;max-width:74ch;}
  .tbl-scroll{overflow-x:auto;margin-top:26px;-webkit-overflow-scrolling:touch;}
  table.dialtbl{width:100%;border-collapse:collapse;min-width:560px;}
  table.dialtbl th{font-family:var(--mono);font-size:.62rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);text-align:left;padding:0 16px 12px 0;border-bottom:2px solid var(--line);white-space:nowrap;}
  table.dialtbl td{padding:16px 16px 16px 0;border-bottom:1px solid var(--line);font-size:1rem;color:var(--ink);vertical-align:top;}
  table.dialtbl tr:last-child td{border-bottom:none;}
  table.dialtbl td.states{font-family:var(--display);font-weight:700;font-size:1.3rem;color:var(--navy);white-space:nowrap;}
  table.dialtbl td.num{font-family:var(--mono);font-weight:700;color:var(--gold-deep);white-space:nowrap;}
  table.dialtbl td.note{font-size:.92rem;color:var(--muted);}
  .dial .fine{font-size:.82rem;color:var(--muted);margin-top:22px;line-height:1.65;max-width:84ch;}
  .dial .fine b{color:var(--navy);}
  .fits{display:flex;flex-wrap:wrap;gap:11px;margin-top:26px;}
  .fits span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 17px;font-size:.93rem;color:var(--ink);}

  /* ---------- footer ---------- */
  footer{background:var(--navy);color:#aeb6cf;padding:44px 0 26px;}
  footer a{color:var(--gold-2);text-decoration:none;}
  /* v34.0: the footer was 775px tall on every page. foot-id and foot-nav are given explicit flex bases so the
     link list sits BESIDE the identity block instead of wrapping onto its own row, and the disclaimer now runs
     the full measure instead of a narrow 80ch column. */
  .foot-top{display:flex;justify-content:space-between;gap:30px 48px;flex-wrap:wrap;align-items:flex-start;}
  .foot-id{flex:1 1 360px;max-width:540px;}
  .foot-brand{font-family:var(--display);font-weight:600;font-size:1.2rem;color:#fff;}
  .foot-tag{margin:8px 0 0;font-size:.9rem;max-width:52ch;}
  .foot-addr{margin:12px 0 0;font-size:.86rem;}
  .foot-nav{flex:0 1 470px;display:flex;flex-wrap:wrap;align-content:flex-start;gap:9px 26px;font-size:.9rem;}
  .disclaimer{font-size:.76rem;color:#7d87a6;line-height:1.6;border-top:1px solid var(--line-navy);margin-top:26px;padding-top:20px;}
  .foot-bottom{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.8rem;color:#7d87a6;margin-top:18px;}

  /* ---------- premise band (shared) ---------- */
  .premise-band{background:var(--teal);color:#fff;border-radius:18px;padding:30px 34px;margin-top:48px;display:flex;gap:26px;align-items:center;flex-wrap:wrap;justify-content:space-between;}
  .premise-band .p-line{font-family:var(--display);font-size:clamp(1.25rem,2.4vw,1.6rem);line-height:1.3;margin:0;max-width:32ch;}
  .premise-band .p-sub{font-size:.9rem;color:#cfe4dc;margin:0;max-width:42ch;line-height:1.5;}

  /* ============================================================
     WHY US — ported from the FDM site at v31.0 and reskinned.
     Narrative on top, bare dropdown rows below. Every value below
     comes from this site's :root tokens; no new colors added.
     ============================================================ */
  .whyus{max-width:var(--maxw);margin:0 auto;padding:0 24px;}
  .wu-band{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);border-radius:20px;padding:44px 40px 46px;box-shadow:0 24px 60px rgba(27,37,69,.22);}
  .wu-kicker{font-family:var(--mono);font-size:.7rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-2);margin:0 0 14px;}
  .wu-h1{font-family:var(--display);font-weight:600;font-size:clamp(1.7rem,3.6vw,2.75rem);line-height:1.18;color:#fff;margin:0;max-width:24ch;}
  .wu-main{padding:44px 2px 4px;}
  .wu-story{max-width:74ch;margin:0 auto;}
  .wu-story p{font-size:1.06rem;margin:0 0 21px;color:var(--ink);}
  .wu-story p:last-of-type{margin-bottom:0;}
  .wu-lead{font-size:1.2rem !important;font-family:var(--display);line-height:1.42;color:var(--navy);}
  .wu-story em{font-style:italic;}
  .wu-story strong{font-weight:600;color:var(--navy);}
  .wu-pull{border-left:3px solid var(--gold);padding:4px 0 4px 18px;margin:28px 0;font-family:var(--display);font-size:1.22rem;line-height:1.4;color:var(--navy);}
  .wu-signoff{margin:34px auto 0;padding:22px 0 0;max-width:74ch;border-top:1px solid var(--line);}
  .wu-signoff-t{border-left:3px solid var(--gold);padding-left:16px;}
  .wu-signoff-t p{margin:0;font-size:.88rem;color:var(--muted);line-height:1.5;}
  .wu-signoff-t .n{font-family:var(--display);font-size:1.2rem;font-weight:700;color:var(--navy);margin-bottom:2px;}
  .wu-morebar{display:flex;align-items:baseline;justify-content:space-between;gap:20px;margin:52px 0 14px;flex-wrap:wrap;}
  .wu-morelabel{font-family:var(--mono);font-size:.7rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--teal);margin:0;}
  .wu-toggle{background:none;border:none;padding:0;cursor:pointer;font-family:var(--body);font-size:.86rem;font-weight:600;color:var(--gold-deep);}
  .wu-toggle:hover{color:var(--navy);text-decoration:underline;}
  .wu-list{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;}
  details.wu-item + details.wu-item{border-top:1px solid var(--line);}
  details.wu-item[open]{background:#FFFDF8;}
  details.wu-item summary{list-style:none;cursor:pointer;padding:14px 22px;display:flex;align-items:center;gap:14px;}
  details.wu-item summary::-webkit-details-marker{display:none;}
  details.wu-item summary:hover{background:var(--paper-2);}
  details.wu-item summary:focus-visible{outline:2px solid var(--teal);outline-offset:-2px;}
  .wu-title{flex:1;min-width:0;font-family:var(--display);font-size:1.04rem;font-weight:600;color:var(--navy);}
  .wu-plus{position:relative;flex:none;width:18px;height:18px;border-radius:50%;transition:transform .22s ease;}
  .wu-plus::before,.wu-plus::after{content:"";position:absolute;background:var(--muted);top:50%;left:50%;transform:translate(-50%,-50%);}
  .wu-plus::before{width:8px;height:1.4px;}
  .wu-plus::after{width:1.4px;height:8px;}
  details.wu-item[open] .wu-plus{transform:rotate(135deg);}
  details.wu-item[open] .wu-plus::before,
  details.wu-item[open] .wu-plus::after{background:var(--gold-deep);}
  .wu-body{padding:0 22px 22px;}
  .wu-body-in{border-top:1px solid var(--line);padding-top:16px;max-width:82ch;}
  .wu-body p{margin:0 0 15px;font-size:1rem;color:var(--ink);}
  .wu-body p:last-child{margin-bottom:0;}
  .wu-body h4{font-family:var(--display);font-size:1.04rem;margin:20px 0 7px;font-weight:700;color:var(--navy);}
  .wu-body h4:first-child{margin-top:0;}
  .wu-body ul{margin:0 0 14px;padding:0;list-style:none;display:grid;gap:9px;}
  .wu-body ul li{display:flex;gap:10px;font-size:.96rem;align-items:flex-start;color:var(--ink);}
  .wu-body ul li::before{content:"\2713";color:var(--gold-deep);font-weight:800;flex:none;font-size:.85rem;line-height:1.7;}
  .wu-body .wu-pull{font-size:1.06rem;margin:16px 0;}
  .wu-body a{color:var(--teal);font-weight:600;}
  .wu-close{margin:40px 0 0;background:linear-gradient(160deg,var(--navy),var(--navy-2));border-radius:18px;padding:34px 36px;}
  .wu-quote{font-family:var(--display);font-style:italic;font-size:1.2rem;line-height:1.55;color:#fff;margin:0 0 14px;max-width:60ch;}
  .wu-sig{font-size:.88rem;color:var(--on-navy-muted);margin:0;}
  .wu-legal{font-size:.78rem;color:var(--muted);margin:22px 0 0;line-height:1.6;}

  /* ---------- Bond (inside the Why Us dropdown) ---------- */
  .bond-video{position:relative;width:100%;max-width:640px;margin:20px 0 6px;aspect-ratio:16/9;border-radius:14px;overflow:hidden;box-shadow:0 20px 48px rgba(27,37,69,.20);border:1px solid var(--line);background:var(--navy);}
  .bond-video iframe{position:absolute;inset:0;width:100%;height:100%;border:0;}
  .bond-cap{font-family:var(--mono);font-size:.66rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);margin:10px 0 0;}

  /* ---------- start: two ways in + phone demo ---------- */
  .two-ways{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start;margin-top:44px;}
  .way{background:var(--navy-2);border:1px solid var(--line-navy);border-radius:18px;padding:28px;display:flex;flex-direction:column;box-shadow:0 16px 40px rgba(27,37,69,.18);}
  .way .wh{display:flex;align-items:center;gap:12px;margin-bottom:6px;}
  .way .wic{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;font-size:22px;flex:none;background:rgba(62,126,111,.22);}
  .way.text-way .wic{background:rgba(200,161,74,.20);}
  .way h3{font-size:1.28rem;color:#fff;margin:0;}
  .way .wsub{color:var(--on-navy-muted);font-size:.9rem;margin-bottom:16px;}
  .way label{display:block;font-size:.82rem;font-weight:600;color:#cdd6ec;margin:12px 0 6px;}
  .way .field{width:100%;font-family:var(--body);font-size:.96rem;color:#eef1f8;padding:12px 14px;border:1px solid rgba(255,255,255,.18);border-radius:10px;background:rgba(255,255,255,.06);margin-bottom:2px;}
  .way select.field{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23A9B2CC' stroke-width='2.5'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;padding-right:38px;}
  .way select.field option{color:var(--ink);}
  .way textarea.field{min-height:80px;resize:vertical;font-family:inherit;}
  .way .field::placeholder{color:#8a94b4;}
  .way .field:focus{outline:2px solid var(--teal-2);outline-offset:1px;border-color:var(--teal-2);}
  .chip-row{display:flex;gap:10px;margin:8px 0 4px;flex-wrap:wrap;}
  .chip{border:1.5px solid rgba(255,255,255,.24);border-radius:999px;padding:8px 16px;font-size:.86rem;font-weight:600;color:#cdd6ec;cursor:pointer;transition:.15s;user-select:none;}
  .chip.sel,.chip:hover{background:var(--teal);color:#fff;border-color:var(--teal);}
  .consent2{display:flex;gap:10px;align-items:flex-start;font-size:.76rem;color:var(--on-navy-muted);margin:2px 0 14px;line-height:1.55;cursor:pointer;}
  .consent2 input{width:18px;height:18px;flex:none;margin-top:1px;accent-color:var(--teal);cursor:pointer;}
  .form-done{background:rgba(46,98,87,.18);border:1px solid var(--teal);color:#c9e6dc;border-radius:12px;padding:22px;text-align:center;font-weight:600;font-size:.98rem;line-height:1.5;}
  .form-fallback{background:rgba(200,161,74,.14);border:1px solid var(--gold);color:#f0dcae;border-radius:12px;padding:22px;font-size:.95rem;line-height:1.6;}
  .form-fallback a{color:var(--gold-2);font-weight:700;}
  .disclosures{background:rgba(0,0,0,.22);border:1px solid var(--line-navy);border-radius:12px;padding:18px 20px;margin-bottom:16px;}
  .disclosures h4{color:#fff;font-family:var(--body);font-size:.95rem;margin:0 0 6px;}
  .disclosures p{color:#9aa4c2;font-size:.82rem;line-height:1.6;margin:0 0 8px;}
  .disclosures p:last-child{margin-bottom:0;}
  .disclosures b.k{color:#cdd6ec;}
  .disclosures a{color:var(--gold-2);text-decoration:underline;cursor:pointer;}
  .chatpoint{background:rgba(62,126,111,.16);border:1px solid var(--teal-2);border-radius:12px;padding:20px;margin-bottom:16px;}
  .chatpoint h4{color:#fff;font-family:var(--body);font-size:.95rem;margin:0 0 8px;}
  .chatpoint p{color:#bcd8cf;font-size:.86rem;line-height:1.6;margin:0 0 8px;}
  .chatpoint p:last-child{margin-bottom:0;}

  /* ===== marketing shared ===== */
  .checklist{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:13px;max-width:66ch;}
  .checklist li{position:relative;padding-left:26px;font-size:1.02rem;line-height:1.5;color:var(--ink);}
  .sec-navy .checklist li{color:#dfe4f1;}
  .checklist .ck{position:absolute;left:0;top:0;color:var(--teal);font-weight:800;}
  .sec-navy .checklist .ck{color:var(--gold-2);}
  .apps{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:44px;}
  .appcard{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;display:flex;flex-direction:column;}
  .appcard .ah{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;}
  .appcard h3{font-size:1.35rem;}
  .appcard .badge{font-family:var(--mono);font-size:.56rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--teal);background:var(--teal-soft);border-radius:999px;padding:5px 11px;white-space:nowrap;}
  .appcard .apos{font-size:1rem;color:var(--navy);font-weight:600;margin:10px 0 4px;font-family:var(--display);}
  .appcard .adesc{font-size:.95rem;color:var(--muted);margin-bottom:14px;}
  .appcard .price{font-family:var(--display);font-weight:700;font-size:1.7rem;color:var(--navy);line-height:1;margin:4px 0 12px;}
  .appcard .price span{font-family:var(--body);font-weight:500;font-size:.82rem;color:var(--muted);letter-spacing:0;}
  .appcard h3 a{text-decoration:none;}
  .appcard h3 a:hover{color:var(--teal);text-decoration:underline;}
  .appcard ul{list-style:none;margin:0 0 16px;padding:0;display:grid;gap:8px;flex:1;}
  .appcard li{display:flex;gap:10px;font-size:.92rem;color:var(--ink);line-height:1.45;}
  .appcard li .d{flex:none;width:6px;height:6px;border-radius:50%;background:var(--gold);margin-top:7px;}
  .appcard .afit{font-size:.88rem;color:var(--teal);border-top:1px solid var(--line);padding-top:13px;margin:0;}
  .appcard .afit b{color:var(--teal-2);}
  .note-band{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:12px;padding:20px 24px;margin-top:34px;max-width:82ch;}
  .note-band p{font-size:.92rem;color:var(--muted);margin:0;}
  @media(max-width:900px){ .apps{grid-template-columns:1fr;} }

  /* ---------- legal ---------- */
  .legal{max-width:820px;margin:26px auto 0;}
  .readfirst{background:var(--teal-soft);border:1px solid #bcd8cf;border-radius:14px;padding:22px 24px;margin-bottom:24px;}
  .readfirst p{font-size:1rem;color:var(--ink);margin:0;}
  .lg-contact{font-size:.92rem;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:22px;margin:0 0 4px;}
  .lg-block{padding:28px 0;border-bottom:1px solid var(--line);}
  .lg-block:last-child{border-bottom:none;}
  .lg-sec{font-size:clamp(1.4rem,2.8vw,1.9rem);color:var(--navy);margin:0 0 12px;}
  .lg-sub{font-family:var(--display);font-weight:600;font-size:1.1rem;color:var(--navy);margin:20px 0 7px;}
  .legal p{font-size:1rem;color:#2b3242;line-height:1.65;}
  ul.lg{margin:6px 0 14px;padding-left:22px;display:grid;gap:9px;}
  ul.lg li{font-size:1rem;color:#2b3242;line-height:1.6;}
  .lg-note{background:#fff;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:10px;padding:14px 18px;margin:12px 0 4px;font-size:.94rem;color:var(--muted);}
  .lg-cta{background:var(--navy-2);border:1px solid var(--line-navy);border-radius:16px;padding:26px 28px;}
  .lg-cta h3{color:#fff;font-size:1.4rem;margin:0 0 8px;}
  .lg-cta p{color:#dbe1ef;}

  /* ---------- examples ---------- */
  .honest-band{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:12px;padding:20px 24px;margin-top:30px;max-width:80ch;}
  .honest-band .hb-ic{flex:none;font-size:20px;line-height:1.2;}
  .honest-band p{font-size:.98rem;color:var(--ink);margin:0;}
  .honest-band b{color:var(--navy);}
  .res-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:40px;}
  .res{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px 24px 22px;display:flex;flex-direction:column;transition:transform .15s ease, box-shadow .15s ease;}
  .res:hover{transform:translateY(-3px);box-shadow:0 16px 40px rgba(27,37,69,.10);}
  .sec-navy .res{background:var(--navy-2);border-color:var(--line-navy);}
  .rtag{align-self:flex-start;font-family:var(--mono);font-size:.58rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;padding:5px 11px;border-radius:999px;margin-bottom:14px;}
  .t-podcast{background:rgba(27,37,69,.09);color:var(--navy);}
  .sec-navy .t-podcast{background:rgba(255,255,255,.12);color:#fff;}
  .t-dpc{background:var(--teal-soft);color:var(--teal);}
  .t-conc{background:rgba(200,161,74,.20);color:var(--gold-deep);}
  .t-written{background:rgba(91,100,120,.14);color:var(--muted);}
  .t-crit{background:var(--crit-soft);color:var(--crit);}
  .res h3{font-size:1.18rem;line-height:1.22;margin-bottom:6px;}
  .res h3 a{text-decoration:none;}
  .res h3 a:hover{color:var(--teal);text-decoration:underline;}
  .sec-navy .res h3 a:hover{color:var(--gold-2);}
  .res .src{font-family:var(--mono);font-size:.68rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:10px;}
  .sec-navy .res .src{color:var(--gold-2);}
  .res p{font-size:.95rem;color:var(--muted);margin:0 0 16px;flex:1;}
  .sec-navy .res p{color:var(--on-navy-muted);}
  .res .go{align-self:flex-start;font-size:.86rem;font-weight:600;color:var(--teal);text-decoration:none;}
  .sec-navy .res .go{color:var(--gold-2);}
  .res .go:hover{text-decoration:underline;}
  #examples .head-block h2 em{font-style:italic;color:var(--teal);}
  @media(max-width:760px){ .res-grid{grid-template-columns:1fr;} }

  /* ---------- two-box compare ---------- */
  .isnt{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:40px;}
  .isnt .bx{border-radius:18px;padding:28px 28px 30px;border:1px solid var(--line);background:#fff;}
  .isnt .bx.no{background:var(--paper-2);}
  .isnt .bx h3{font-size:1.12rem;}
  .isnt .bx .bsub{font-size:.9rem;color:var(--muted);margin:6px 0 0;}
  .isnt ul{list-style:none;margin:16px 0 0;padding:0;}
  .isnt li{display:flex;gap:11px;padding:10px 0;font-size:.99rem;line-height:1.5;border-bottom:1px solid rgba(0,0,0,.06);}
  .isnt li:last-child{border-bottom:none;}
  .isnt .mk{flex:none;font-weight:800;margin-top:1px;}
  .isnt .bx.yes .mk{color:var(--teal);}
  .isnt .bx.no .mk{color:var(--gold-deep);}

  /* ---------- film band ---------- */
  .film-video{position:relative;width:100%;max-width:940px;margin:36px auto 0;aspect-ratio:16/9;border-radius:18px;overflow:hidden;box-shadow:0 30px 70px rgba(0,0,0,.45);border:1px solid var(--line-navy);background:#0e1329;}
  .film-video iframe{position:absolute;inset:0;width:100%;height:100%;border:0;}

  .cross{background:var(--teal-soft);border:1px solid #C7DBD4;border-radius:20px;padding:32px 34px;display:flex;gap:26px;align-items:center;flex-wrap:wrap;justify-content:space-between;}
  .cross h3{font-size:1.35rem;}
  .cross p{margin:8px 0 0;color:var(--muted);max-width:56ch;font-size:1rem;}

  :focus-visible{outline:2px solid var(--teal);outline-offset:2px;}

  @media(max-width:1180px){
    .nav-links{display:none;}
    .nav-links.open{display:flex;position:absolute;top:70px;left:0;right:0;flex-direction:column;align-items:stretch;background:var(--paper);border-bottom:1px solid var(--line);padding:12px 20px;gap:2px;}
    .nav-links.open a.nav-start{align-self:flex-start;}
    .menu-btn{display:block;}
  }
  @media(max-width:1040px){ .grid4{grid-template-columns:1fr 1fr;} }
  @media(max-width:900px){
    .hero-grid,.contrast,.isnt{grid-template-columns:1fr;gap:34px;}
    .grid4,.steps{grid-template-columns:1fr 1fr;}
    .grid3{grid-template-columns:1fr;}
    .col.owned .ribbon{display:none;}
    .two-ways{grid-template-columns:1fr;}
    .wu-band{padding:34px 24px 36px;}
    .wu-main{padding:32px 0 0;}
    .wu-story p{font-size:1rem;}
    .wu-lead{font-size:1.08rem !important;}
    details.wu-item summary{padding:13px 16px;gap:10px;}
    .wu-title{font-size:.98rem;}
    .wu-body{padding:0 16px 18px;}
    .wu-close{padding:26px 22px;}
  }
  @media(max-width:560px){ .grid4,.steps{grid-template-columns:1fr;} .dial{padding:26px 20px;} }
  @media(prefers-reduced-motion:reduce){ .ecg path{animation:none;stroke-dashoffset:0;} html{scroll-behavior:auto;} }


/* ============================================================
   MULTI-PAGE FURNITURE — added at v33.0 when the single page was
   broken up. Nav current-page marker, and the "keep reading" cards
   that carry a reader from one page to the next.
   ============================================================ */
.nav-links a.here{color:var(--navy);background:rgba(27,37,69,.06);font-weight:600;}
.nav-links a.nav-start.here{color:#000;background:var(--gold-2);}
.keepreading{padding:64px 0;border-top:1px solid var(--line);}
.nxgrid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:26px;}
.nx{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 26px 24px;text-decoration:none;transition:transform .15s ease, box-shadow .15s ease, border-color .15s ease;}
.nx:hover{transform:translateY(-3px);box-shadow:0 16px 40px rgba(27,37,69,.10);border-color:var(--gold);}
.nx-k{font-family:var(--mono);font-size:.58rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-deep);}
.nx h3{font-size:1.3rem;margin:10px 0 8px;}
.nx p{font-size:.95rem;color:var(--muted);margin:0 0 16px;flex:1;}
.nx-go{font-size:.86rem;font-weight:600;color:var(--teal);}
.hub{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:40px;}
.hubcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 24px 24px;text-decoration:none;transition:transform .15s ease, box-shadow .15s ease, border-color .15s ease;}
.hubcard:hover{transform:translateY(-3px);box-shadow:0 16px 40px rgba(27,37,69,.10);border-color:var(--gold);}
.hubcard h3{font-size:1.18rem;margin-bottom:8px;}
.hubcard p{font-size:.94rem;color:var(--muted);margin:0 0 14px;flex:1;}
.hubcard .go{font-size:.85rem;font-weight:600;color:var(--teal);}
@media(max-width:900px){ .nxgrid{grid-template-columns:1fr;} .hub{grid-template-columns:1fr;} }