/* Emirex Commercial Finance — site styles
   Layout: "ledger margin" — each section's label sits in a narrow left column ruled like an
   accounts ledger, content runs on the wide field to its right; on phones the label stacks on top. */
:root{
  --paper:#F4F6F4;      /* page ground, cool grey with an evergreen bias */
  --surface:#FFFFFF;    /* cards, forms */
  --ink:#11231E;        /* text */
  --ink-2:#4D5F58;      /* secondary text */
  --line:#D5DDD8;       /* hairlines */
  --brand:#0E4A3D;      /* evergreen: primary actions, emphasis */
  --brand-hover:#0A382E;
  --on-brand:#FFFFFF;
  --tint:#E1EDE7;       /* soft evergreen fill */
  --deep:#0D1F1A;       /* dark bands, footer */
  --on-deep:#E7F0EC;
  --on-deep-2:#A6BCB3;
  --deep-line:#273B33;
  --mint:#A8DEC6;       /* action colour on dark bands */
  --on-mint:#0B241D;
  --tbc-bg:#FFF1CF;     /* details still to be supplied */
  --tbc-ink:#714700;
  --error:#A4262C;
  --error-bg:#FBEAEA;
  --shadow:0 1px 2px rgb(13 31 26 / .06), 0 10px 28px rgb(13 31 26 / .07);

  --f-display:"Schibsted Grotesk","Helvetica Neue",Arial,sans-serif;
  --f-body:"Public Sans","Segoe UI",system-ui,-apple-system,sans-serif;
  --f-mono:"IBM Plex Mono",ui-monospace,SFMono-Regular,Menlo,Consolas,monospace;

  --fs-hero:clamp(2.35rem,1.5rem + 3.6vw,4.25rem);
  --fs-h1:clamp(2.05rem,1.45rem + 2.5vw,3.35rem);
  --fs-h2:clamp(1.6rem,1.25rem + 1.45vw,2.35rem);
  --fs-h3:1.2rem;
  --fs-lead:clamp(1.08rem,1rem + .35vw,1.25rem);
  --fs-body:1.0625rem;
  --fs-small:.875rem;
  --fs-label:.75rem;

  --gutter:clamp(16px,4.5vw,40px);
  --radius:6px;
  --header-h:68px;
  color-scheme:light;
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --paper:#0B1512; --surface:#111F1B; --ink:#E5EEEA; --ink-2:#9EB2AA; --line:#25382F;
    --brand:#9AD8BD; --brand-hover:#B6E6D0; --on-brand:#07201A; --tint:#15302A;
    --deep:#060E0C; --on-deep:#E5EEEA; --on-deep-2:#9EB2AA; --deep-line:#1D2F28;
    --mint:#9AD8BD; --on-mint:#07201A; --tbc-bg:#3A2C0C; --tbc-ink:#F2D48C;
    --error:#F3A6AA; --error-bg:#3A1517;
    --shadow:0 1px 2px rgb(0 0 0 / .4), 0 10px 28px rgb(0 0 0 / .35);
    color-scheme:dark;
  }
}
:root[data-theme="dark"]{
  --paper:#0B1512; --surface:#111F1B; --ink:#E5EEEA; --ink-2:#9EB2AA; --line:#25382F;
  --brand:#9AD8BD; --brand-hover:#B6E6D0; --on-brand:#07201A; --tint:#15302A;
  --deep:#060E0C; --on-deep:#E5EEEA; --on-deep-2:#9EB2AA; --deep-line:#1D2F28;
  --mint:#9AD8BD; --on-mint:#07201A; --tbc-bg:#3A2C0C; --tbc-ink:#F2D48C;
  --error:#F3A6AA; --error-bg:#3A1517;
  --shadow:0 1px 2px rgb(0 0 0 / .4), 0 10px 28px rgb(0 0 0 / .35);
  color-scheme:dark;
}

*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--header-h) + 16px)}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--f-body);font-size:var(--fs-body);line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img,svg{max-width:100%}
a{color:inherit}
p{margin:0}
h1,h2,h3,h4{font-family:var(--f-display);margin:0;line-height:1.1;letter-spacing:-.018em;text-wrap:balance;font-weight:700}
h1{font-size:var(--fs-h1)}
h2{font-size:var(--fs-h2)}
h3{font-size:var(--fs-h3);letter-spacing:-.01em;line-height:1.25}
ul,ol{margin:0;padding:0}
:focus-visible{outline:3px solid var(--brand);outline-offset:3px;border-radius:2px}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip{position:absolute;left:12px;top:-60px;z-index:100;background:var(--brand);color:var(--on-brand);padding:10px 16px;border-radius:var(--radius);text-decoration:none;font-weight:600}
.skip:focus{top:12px}

.wrap{width:100%;max-width:1200px;margin-inline:auto;padding-inline:var(--gutter)}
.narrow{max-width:760px}
.prose-w{max-width:68ch}

/* ---------- Labels, buttons, small parts ---------- */
.eyebrow{font-family:var(--f-mono);font-size:var(--fs-label);font-weight:500;letter-spacing:.09em;text-transform:uppercase;color:var(--brand)}
.lead{font-size:var(--fs-lead);color:var(--ink-2);line-height:1.55}
.muted{color:var(--ink-2)}
.small{font-size:var(--fs-small)}
.disclaimer{font-size:var(--fs-small);color:var(--ink-2)}
.tbc{display:inline-block;background:var(--tbc-bg);color:var(--tbc-ink);font-family:var(--f-mono);font-size:.8em;padding:1px 7px;border-radius:3px;letter-spacing:.01em}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55em;min-height:50px;padding:0 22px;border-radius:var(--radius);font-family:var(--f-body);font-size:1rem;font-weight:600;letter-spacing:.005em;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:background-color .15s,border-color .15s,color .15s,transform .15s;white-space:nowrap}
.btn .arr{transition:transform .15s}
.btn:hover .arr{transform:translateX(3px)}
.btn-primary{background:var(--brand);color:var(--on-brand)}
.btn-primary:hover{background:var(--brand-hover)}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:var(--paper)}
.btn-mint{background:var(--mint);color:var(--on-mint)}
.btn-mint:hover{filter:brightness(1.06)}
.btn-line-light{background:transparent;color:var(--on-deep);border-color:var(--on-deep-2)}
.btn-line-light:hover{border-color:var(--on-deep)}
.btn-sm{min-height:40px;padding:0 16px;font-size:.9rem}
.btn-block{width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}
.textlink{font-weight:600;color:var(--brand);text-decoration:none;display:inline-flex;align-items:center;gap:.4em}
.textlink:hover{text-decoration:underline;text-underline-offset:3px}

/* ---------- Header ---------- */
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:40;background:color-mix(in srgb,var(--paper) 92%,transparent);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.header-row{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:var(--header-h)}
.logo{display:inline-flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);flex-shrink:0}
.logo-mark{width:34px;height:34px;flex-shrink:0}
.logo-mark rect{fill:var(--brand)}
.logo-mark path{fill:var(--paper)}
.logo-words{display:flex;flex-direction:column;line-height:1}
.logo-name{font-family:var(--f-display);font-weight:800;font-size:1.18rem;letter-spacing:.16em}
.logo-sub{font-family:var(--f-mono);font-size:.62rem;letter-spacing:.17em;margin-top:5px;color:var(--ink-2)}
.header-actions{display:flex;align-items:center;gap:16px}
.header-note{display:none;font-family:var(--f-mono);font-size:.72rem;letter-spacing:.04em;color:var(--ink-2)}
.header-speak{display:none}
.header-cta{display:none}
.nav-row{display:none;border-top:1px solid var(--line)}
.nav{list-style:none;display:flex;align-items:center;gap:2px;margin-left:-10px}
.nav a{display:block;padding:12px 10px;font-size:.93rem;font-weight:500;text-decoration:none;color:var(--ink);white-space:nowrap;box-shadow:inset 0 -2px 0 transparent;transition:box-shadow .15s,color .15s}
.nav a:hover{color:var(--brand);box-shadow:inset 0 -2px 0 var(--line)}
.nav a[aria-current="page"]{color:var(--brand);box-shadow:inset 0 -2px 0 var(--brand)}
.menu-btn{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:0 14px;background:transparent;border:1.5px solid var(--ink);color:var(--ink);border-radius:var(--radius);font:600 .95rem var(--f-body);cursor:pointer}
.menu-btn .bars{width:18px;height:12px;position:relative;display:inline-block}
.menu-btn .bars::before,.menu-btn .bars::after,.menu-btn .bars span{content:"";position:absolute;left:0;right:0;height:2px;background:currentColor;transition:transform .2s,opacity .2s}
.menu-btn .bars::before{top:0}.menu-btn .bars span{top:5px}.menu-btn .bars::after{bottom:0}
.menu-btn[aria-expanded="true"] .bars::before{transform:translateY(5px) rotate(45deg)}
.menu-btn[aria-expanded="true"] .bars span{opacity:0}
.menu-btn[aria-expanded="true"] .bars::after{transform:translateY(-5px) rotate(-45deg)}
.mobile-nav{border-top:1px solid var(--line);background:var(--paper);max-height:calc(100vh - var(--header-h));overflow-y:auto}
.mobile-nav ul{list-style:none;padding-block:8px}
.mobile-nav li a{display:flex;justify-content:space-between;align-items:center;padding:14px 0;border-bottom:1px solid var(--line);text-decoration:none;font-family:var(--f-display);font-weight:600;font-size:1.15rem}
.mobile-nav li a[aria-current="page"]{color:var(--brand)}
.mobile-nav .btn{margin-block:18px 24px}
@media (min-width:700px){.header-cta{display:inline-flex}}
@media (min-width:1080px){
  :root{--header-h:117px}
  .nav-row{display:block}
  .header-speak{display:inline-flex}
  .menu-btn,.mobile-nav{display:none!important}
}
@media (min-width:1240px){.header-note{display:inline}}

/* ---------- Sticky phone CTA ---------- */
.mobile-cta{position:fixed;left:0;right:0;bottom:0;z-index:45;display:flex;gap:10px;padding:10px var(--gutter) calc(10px + env(safe-area-inset-bottom,0px));background:color-mix(in srgb,var(--paper) 94%,transparent);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-top:1px solid var(--line)}
.mobile-cta .btn{min-height:48px;padding:0 14px;font-size:.95rem}
.mobile-cta .btn-primary{flex:1 1 auto;min-width:0}
.mobile-cta .arr{display:none}
@media (max-width:359px){.mobile-cta .btn-ghost{display:none}}
body.has-mobile-cta{padding-bottom:calc(72px + env(safe-area-inset-bottom,0px))}
body.no-mobile-cta .mobile-cta{display:none}
body.no-mobile-cta{padding-bottom:0}
@media (min-width:900px){.mobile-cta{display:none}body.has-mobile-cta{padding-bottom:0}}

/* ---------- Sections & ledger margin ---------- */
.sec{padding-block:clamp(56px,7vw,104px)}
.sec + .sec{border-top:1px solid var(--line)}
.sec.tinted{background:var(--surface)}
.ledger{display:grid;gap:22px}
.ledger-label{border-top:2px solid var(--ink);padding-top:12px;align-self:start}
.ledger-label .eyebrow{color:var(--ink)}
.ledger-body{min-width:0;display:grid;gap:28px;align-content:start}
.sec-head{display:grid;gap:14px;max-width:760px}
@media (min-width:960px){
  .ledger{grid-template-columns:188px minmax(0,1fr);gap:56px}
  .ledger-label{position:sticky;top:calc(var(--header-h) + 28px)}
}

/* ---------- Home hero ---------- */
.hero{padding-block:clamp(40px,6vw,88px) clamp(48px,6vw,80px);border-bottom:1px solid var(--line);position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;background-image:repeating-linear-gradient(to bottom,transparent 0 39px,color-mix(in srgb,var(--line) 55%,transparent) 39px 40px);mask-image:linear-gradient(100deg,transparent 35%,#000 85%);-webkit-mask-image:linear-gradient(100deg,transparent 35%,#000 85%);pointer-events:none}
.hero-grid{position:relative;display:grid;gap:40px;align-items:start}
.hero-copy{display:grid;gap:22px;min-width:0}
.hero h1{font-size:var(--fs-hero);line-height:1.02;letter-spacing:-.03em;font-weight:800;max-width:14ch}
.hero .lead strong{color:var(--ink);font-weight:600}
.product-line{font-family:var(--f-mono);font-size:.8rem;letter-spacing:.04em;color:var(--ink-2);display:flex;flex-wrap:wrap;gap:4px 12px}
.product-line a{text-decoration:none;color:var(--ink)}
.product-line a:hover{color:var(--brand);text-decoration:underline}
.product-line .dot{color:var(--brand)}
@media (min-width:980px){.hero-grid{grid-template-columns:minmax(0,1.3fr) minmax(0,.9fr);gap:64px}}

.quick{background:var(--surface);border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow);padding:clamp(20px,3vw,30px);display:grid;gap:18px;position:relative}
.quick-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;border-bottom:1px solid var(--line);padding-bottom:12px}
.quick h2{font-size:1.4rem;letter-spacing:-.015em}
.chip-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:8px}
.chip{position:relative;display:block}
.chip input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer}
.chip span{display:flex;align-items:center;justify-content:center;text-align:center;min-height:48px;padding:6px 10px;border:1.5px solid var(--line);border-radius:var(--radius);font-weight:600;font-size:.95rem;font-variant-numeric:tabular-nums;background:var(--surface);transition:border-color .12s,background-color .12s;cursor:pointer}
.chip:hover span{border-color:var(--ink-2)}
.chip input:checked + span{border-color:var(--brand);background:var(--tint);box-shadow:inset 0 0 0 1px var(--brand)}
.chip input:focus-visible + span{outline:3px solid var(--brand);outline-offset:2px}
.quick-foot{display:flex;flex-wrap:wrap;justify-content:space-between;gap:6px 14px;font-size:var(--fs-small);color:var(--ink-2)}

/* ---------- Position strip ---------- */
.position{background:var(--deep);color:var(--on-deep)}
.position-grid{display:grid;gap:0}
.position-item{padding:20px 0;border-bottom:1px solid var(--deep-line);display:grid;gap:4px}
.position-item:last-child{border-bottom:0}
.position-item .eyebrow{color:var(--mint)}
.position-item p{color:var(--on-deep);font-size:.98rem}
@media (min-width:820px){
  .position-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
  .position-item{padding:26px 28px;border-bottom:0;border-left:1px solid var(--deep-line)}
  .position-item:first-child{border-left:0;padding-left:0}
}

/* ---------- Need cards ---------- */
.need-grid{display:grid;gap:14px}
@media (min-width:640px){.need-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
.need{display:grid;grid-template-rows:auto auto 1fr auto;gap:12px;padding:26px;background:var(--surface);border:1px solid var(--line);border-radius:8px;text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s,box-shadow .15s;min-width:0}
.need:hover{border-color:var(--brand);transform:translateY(-2px);box-shadow:var(--shadow)}
.need svg{width:40px;height:40px;stroke:var(--brand);fill:none;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.need p{color:var(--ink-2)}
.need .textlink{margin-top:6px}

/* ---------- Product rows ---------- */
.rows{list-style:none;border-top:1.5px solid var(--ink)}
.rows li{border-bottom:1px solid var(--line)}
.row-link{display:grid;gap:8px;padding:24px 0;text-decoration:none;color:var(--ink);align-items:center}
.row-link h3{font-size:1.45rem}
.row-link p{color:var(--ink-2);max-width:56ch}
.row-link .go{font-weight:600;color:var(--brand);display:inline-flex;gap:.4em;align-items:center;white-space:nowrap}
.row-link:hover h3{color:var(--brand)}
.row-link:hover .go .arr{transform:translateX(3px)}
.row-link .arr{transition:transform .15s}
@media (min-width:760px){.row-link{grid-template-columns:minmax(0,15rem) minmax(0,1fr) auto;gap:28px;padding:28px 0}}

/* ---------- Dark band: principles ---------- */
.band{background:var(--deep);color:var(--on-deep)}
.band .eyebrow,.band .ledger-label .eyebrow{color:var(--mint)}
.band .ledger-label{border-top-color:var(--on-deep)}
.band .lead,.band .muted{color:var(--on-deep-2)}
.band + .sec{border-top:0}
.pillars{list-style:none;display:grid;gap:0;border-top:1px solid var(--deep-line)}
.pillar{padding:22px 0;border-bottom:1px solid var(--deep-line);display:grid;gap:8px}
.pillar .eyebrow{font-size:.8rem}
.pillar p{color:var(--on-deep-2)}
@media (min-width:720px){
  .pillars{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:32px}
}
@media (min-width:1080px){
  .pillars{grid-template-columns:repeat(4,minmax(0,1fr));border-top:0}
  .pillar{border-bottom:0;border-top:1px solid var(--deep-line);padding-top:26px;position:relative}
  .pillar::before{content:"";position:absolute;top:-5px;left:0;width:9px;height:9px;border-radius:50%;background:var(--mint)}
}

/* ---------- Steps ---------- */
.steps{list-style:none;counter-reset:step;display:grid;gap:0}
.step-item{counter-increment:step;display:grid;grid-template-columns:44px minmax(0,1fr);gap:16px;padding:20px 0;border-bottom:1px solid var(--line)}
.step-item::before{content:counter(step);width:40px;height:40px;border-radius:50%;border:1.5px solid var(--ink);display:grid;place-items:center;font-family:var(--f-mono);font-weight:500;font-size:.95rem}
.step-item h3{margin-bottom:6px}
.step-item p{color:var(--ink-2)}
.step-item.final::before{background:var(--brand);color:var(--on-brand);border-color:var(--brand)}
.step-note{display:inline-block;margin-top:8px;font-size:var(--fs-small);font-weight:600;color:var(--brand)}
@media (min-width:1080px){
  .steps{grid-template-columns:repeat(5,minmax(0,1fr));gap:24px;position:relative}
  .steps::before{content:"";position:absolute;top:20px;left:20px;right:20px;height:1.5px;background:var(--line)}
  .step-item{grid-template-columns:1fr;border-bottom:0;padding:0;position:relative}
  .step-item::before{background:var(--paper);position:relative}
  .sec.tinted .step-item::before{background:var(--surface)}
  .step-item.final::before{background:var(--brand)}
}

/* ---------- Link lists (industries etc.) ---------- */
.link-list{list-style:none;display:grid;gap:0;border-top:1px solid var(--line)}
.link-list a{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:18px 0;border-bottom:1px solid var(--line);text-decoration:none;font-family:var(--f-display);font-weight:600;font-size:1.12rem}
.link-list a span.d{display:block;font-family:var(--f-body);font-weight:400;font-size:.95rem;color:var(--ink-2);margin-top:3px}
.link-list a:hover{color:var(--brand)}
.link-list .arr{color:var(--brand);flex-shrink:0;transition:transform .15s}
.link-list a:hover .arr{transform:translateX(3px)}
@media (min-width:760px){.link-list.two{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:40px;border-top:0}.link-list.two li:nth-child(-n+2) a{border-top:1px solid var(--line)}}

/* ---------- Article cards ---------- */
.cards{list-style:none;display:grid;gap:16px}
@media (min-width:700px){.cards{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (min-width:1080px){.cards.three{grid-template-columns:repeat(3,minmax(0,1fr))}}
.card{display:grid;grid-template-rows:auto 1fr auto;gap:12px;padding:24px;background:var(--surface);border:1px solid var(--line);border-radius:8px;text-decoration:none;color:var(--ink);transition:border-color .15s;min-width:0}
.card:hover{border-color:var(--brand)}
.card h3{font-size:1.15rem}
.card p{color:var(--ink-2);font-size:.97rem}
.card .meta{display:flex;justify-content:space-between;gap:10px;font-family:var(--f-mono);font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-2)}
.card .meta .cat{color:var(--brand)}

/* ---------- CTA band ---------- */
.cta-band{background:var(--brand);color:var(--on-brand);padding-block:clamp(48px,6vw,80px)}
.cta-band-grid{display:grid;gap:24px;align-items:end}
.cta-band h2{max-width:20ch}
.cta-band p{opacity:.88;max-width:56ch;margin-top:12px}
.cta-band .btn-invert{background:var(--on-brand);color:var(--brand)}
.cta-band .btn-invert:hover{filter:brightness(.95)}
.cta-band .btn-outline-invert{background:transparent;color:var(--on-brand);border-color:color-mix(in srgb,var(--on-brand) 60%,transparent)}
.cta-band .btn-outline-invert:hover{border-color:var(--on-brand)}
.cta-band .fine{font-size:var(--fs-small);opacity:.78;margin-top:16px}
@media (min-width:900px){.cta-band-grid{grid-template-columns:minmax(0,1fr) auto}}

/* ---------- Inner page hero ---------- */
.page-hero{padding-block:clamp(36px,5vw,72px);border-bottom:1px solid var(--line);position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background-image:repeating-linear-gradient(to bottom,transparent 0 39px,color-mix(in srgb,var(--line) 50%,transparent) 39px 40px);mask-image:linear-gradient(100deg,transparent 45%,#000 95%);-webkit-mask-image:linear-gradient(100deg,transparent 45%,#000 95%);pointer-events:none}
.page-hero .wrap{position:relative;display:grid;gap:20px}
.page-hero h1{max-width:20ch}
.page-hero .lead{max-width:62ch}
.crumbs{font-family:var(--f-mono);font-size:.74rem;letter-spacing:.05em;color:var(--ink-2);display:flex;flex-wrap:wrap;gap:6px}
.crumbs a{color:var(--ink-2);text-decoration:none}
.crumbs a:hover{color:var(--brand);text-decoration:underline}
.crumbs .sep{opacity:.6}

/* ---------- Content blocks ---------- */
.stack{display:grid;gap:16px}
.stack-lg{display:grid;gap:28px}
.ticks{list-style:none;display:grid;gap:0;border-top:1px solid var(--line)}
.ticks li{display:grid;grid-template-columns:22px minmax(0,1fr);gap:12px;padding:13px 0;border-bottom:1px solid var(--line);align-items:start}
.ticks li::before{content:"";width:18px;height:18px;margin-top:4px;border-radius:50%;background:var(--tint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 18 18'%3E%3Cpath d='M5 9.4l2.6 2.5L13 6.4' fill='none' stroke='%230E4A3D' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/18px no-repeat}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .ticks li::before{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 18 18'%3E%3Cpath d='M5 9.4l2.6 2.5L13 6.4' fill='none' stroke='%239AD8BD' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}}
:root[data-theme="dark"] .ticks li::before{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 18 18'%3E%3Cpath d='M5 9.4l2.6 2.5L13 6.4' fill='none' stroke='%239AD8BD' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
@media (min-width:700px){
  .ticks.two{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:36px;border-top:0}
  .ticks.two li:nth-child(-n+2){border-top:1px solid var(--line)}
}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:8px;padding:clamp(20px,3vw,32px);display:grid;gap:14px;min-width:0}
.panel.tint{background:var(--tint);border-color:transparent}
.split{display:grid;gap:16px}
@media (min-width:760px){.split{grid-template-columns:repeat(2,minmax(0,1fr))}}
.compare h3{display:flex;justify-content:space-between;align-items:baseline;gap:10px}
.compare dl{margin:0;display:grid;gap:0;border-top:1px solid var(--line)}
.compare dt{font-family:var(--f-mono);font-size:.72rem;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-2);padding-top:12px}
.compare dd{margin:0;padding:4px 0 12px;border-bottom:1px solid var(--line)}
.note{border-left:3px solid var(--brand);padding:4px 0 4px 16px;color:var(--ink-2);font-size:.97rem}

/* Invoice cycle diagram */
.cycle{background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:clamp(18px,3vw,30px);display:grid;gap:18px}
.cycle-head{display:flex;flex-wrap:wrap;justify-content:space-between;gap:8px;align-items:baseline}
.cycle-track{position:relative;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));padding-top:30px}
.cycle-bar{position:absolute;top:8px;left:0;right:0;height:12px;border-radius:6px;background:repeating-linear-gradient(135deg,var(--line) 0 6px,transparent 6px 12px);border:1px solid var(--line)}
.cycle-adv{position:absolute;top:8px;left:0;width:12%;height:12px;border-radius:6px;background:var(--brand)}
.cycle-tick{position:relative;font-family:var(--f-mono);font-size:.74rem;letter-spacing:.04em;color:var(--ink-2);padding-top:8px;border-left:1px solid var(--line);padding-left:8px;font-variant-numeric:tabular-nums}
.cycle-tick:last-child{text-align:right;border-left:0;border-right:1px solid var(--line);padding-left:0;padding-right:8px}
.cycle-tick b{display:block;color:var(--ink);font-weight:500;font-size:.82rem}
.cycle-legend{display:grid;gap:10px;font-size:.93rem;color:var(--ink-2)}
.cycle-legend span{display:flex;gap:10px;align-items:flex-start}
.cycle-legend i{flex-shrink:0;width:22px;height:10px;border-radius:5px;margin-top:7px}
.cycle-legend i.a{background:var(--brand)}
.cycle-legend i.b{background:repeating-linear-gradient(135deg,var(--line) 0 4px,transparent 4px 8px);border:1px solid var(--line)}
@media (min-width:700px){.cycle-legend{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* FAQ */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:16px;padding:18px 0;font-family:var(--f-display);font-weight:600;font-size:1.1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--f-mono);font-weight:400;font-size:1.3rem;line-height:1;color:var(--brand)}
.faq details[open] summary::after{content:"−"}
.faq details p{padding-bottom:18px;color:var(--ink-2);max-width:68ch}

/* ---------- Forms ---------- */
.form-card{background:var(--surface);border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow);padding:clamp(20px,3.5vw,36px);display:grid;gap:22px;min-width:0}
.progress{display:grid;gap:10px}
.progress-top{display:flex;justify-content:space-between;align-items:baseline;gap:10px}
.progress-top .eyebrow{color:var(--ink)}
.progress-bars{list-style:none;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:6px}
.progress-bars li{display:grid;gap:6px;font-family:var(--f-mono);font-size:.68rem;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-2)}
.progress-bars li::before{content:"";height:4px;border-radius:2px;background:var(--line)}
.progress-bars li.done::before,.progress-bars li.current::before{background:var(--brand)}
.progress-bars li.current{color:var(--ink);font-weight:500}
.fstep{border:0;margin:0;padding:0;display:grid;gap:20px;min-width:0}
.fstep legend{font-family:var(--f-display);font-weight:700;font-size:1.45rem;letter-spacing:-.015em;padding:0;margin-bottom:4px}
.fgrid{display:grid;gap:18px}
@media (min-width:620px){.fgrid.two{grid-template-columns:repeat(2,minmax(0,1fr))}}
.field{display:grid;gap:7px;min-width:0;align-content:start}
.field > label,.field .q{font-weight:600;font-size:.97rem}
.field .hint{font-size:.85rem;color:var(--ink-2)}
.field .opt{font-weight:400;color:var(--ink-2);font-size:.85rem}
.input,.select,.textarea{width:100%;min-height:50px;padding:12px 14px;font:inherit;font-size:1rem;color:var(--ink);background:var(--paper);border:1.5px solid var(--line);border-radius:var(--radius);transition:border-color .12s,background-color .12s}
.textarea{min-height:130px;resize:vertical}
.select{appearance:none;-webkit-appearance:none;padding-right:40px;background-image:linear-gradient(45deg,transparent 50%,var(--ink-2) 50%),linear-gradient(135deg,var(--ink-2) 50%,transparent 50%);background-position:calc(100% - 20px) 50%,calc(100% - 14px) 50%;background-size:6px 6px;background-repeat:no-repeat}
.input:hover,.select:hover,.textarea:hover{border-color:var(--ink-2)}
.input:focus,.select:focus,.textarea:focus{outline:none;border-color:var(--brand);background-color:var(--surface);box-shadow:0 0 0 3px color-mix(in srgb,var(--brand) 22%,transparent)}
.money{position:relative}
.money .input{padding-left:32px;font-variant-numeric:tabular-nums}
.money::before{content:"£";position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--ink-2);font-weight:600;pointer-events:none}
.choices{display:grid;gap:8px}
.choices.cols-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.choices.cols-3{grid-template-columns:repeat(3,minmax(0,1fr))}
@media (min-width:620px){.choices.cols-3-md{grid-template-columns:repeat(3,minmax(0,1fr))}}
.choices .chip span{justify-content:flex-start;text-align:left;padding:10px 14px;font-weight:500}
.choices.center .chip span{justify-content:center;text-align:center}
.check{display:grid;grid-template-columns:24px minmax(0,1fr);gap:12px;align-items:start;font-size:.95rem;cursor:pointer}
.check input{width:22px;height:22px;margin:1px 0 0;accent-color:var(--brand)}
.field-error{display:none;font-size:.88rem;font-weight:600;color:var(--error)}
.field.invalid .field-error{display:block}
.field.invalid .input,.field.invalid .select,.field.invalid .textarea{border-color:var(--error)}
.field.invalid .chip span{border-color:var(--error)}
.gate{display:grid;gap:10px;padding:16px 18px;border-radius:var(--radius);background:var(--tbc-bg);color:var(--tbc-ink);font-size:.95rem}
.gate a{font-weight:600}
.form-nav{display:flex;flex-wrap:wrap-reverse;justify-content:space-between;gap:12px;padding-top:8px;border-top:1px solid var(--line)}
.form-nav .btn{min-width:140px}
.form-nav .spacer{flex:1}
.form-alert{padding:14px 16px;border-radius:var(--radius);background:var(--error-bg);color:var(--error);font-weight:600;font-size:.95rem}
.confirm{display:grid;gap:16px;text-align:left}
.confirm-mark{width:52px;height:52px;border-radius:50%;background:var(--tint);display:grid;place-items:center}
.confirm-mark svg{width:26px;height:26px;stroke:var(--brand);fill:none;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.confirm h2{font-size:1.6rem}
.preview-note{font-family:var(--f-mono);font-size:.75rem;letter-spacing:.03em;padding:8px 12px;border:1px dashed var(--line);border-radius:4px;color:var(--ink-2)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

.assess-grid{display:grid;gap:36px;align-items:start}
@media (min-width:1000px){.assess-grid{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:64px}.assess-side{position:sticky;top:calc(var(--header-h) + 28px)}}
.assess-side{display:grid;gap:22px}
.next-list{list-style:none;counter-reset:n;display:grid;gap:0;border-top:1px solid var(--line)}
.next-list li{counter-increment:n;display:grid;grid-template-columns:28px minmax(0,1fr);gap:10px;padding:13px 0;border-bottom:1px solid var(--line);font-size:.96rem}
.next-list li::before{content:counter(n);font-family:var(--f-mono);color:var(--brand);font-weight:500}

.contact-grid{display:grid;gap:36px;align-items:start}
@media (min-width:1000px){.contact-grid{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:64px}}
.contact-list{list-style:none;display:grid;border-top:1px solid var(--line)}
.contact-list li{display:grid;gap:4px;padding:16px 0;border-bottom:1px solid var(--line)}
.contact-list .eyebrow{color:var(--ink-2)}
.contact-list .val{font-family:var(--f-display);font-weight:600;font-size:1.15rem}

/* ---------- Insights ---------- */
.filters{display:flex;flex-wrap:wrap;gap:8px}
.filter{min-height:40px;padding:0 14px;border:1.5px solid var(--line);background:var(--surface);color:var(--ink);border-radius:999px;font:500 .9rem var(--f-body);cursor:pointer}
.filter:hover{border-color:var(--ink-2)}
.filter[aria-pressed="true"]{background:var(--ink);border-color:var(--ink);color:var(--paper)}
.article-grid{display:grid;gap:40px;align-items:start}
@media (min-width:1040px){.article-grid{grid-template-columns:minmax(0,1fr) 300px;gap:72px}.article-side{position:sticky;top:calc(var(--header-h) + 28px)}}
.article-meta{display:flex;flex-wrap:wrap;gap:6px 18px;font-family:var(--f-mono);font-size:.76rem;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-2)}
.article-meta .cat{color:var(--brand)}
.prose{max-width:68ch;font-size:1.08rem;line-height:1.72}
.prose > * + *{margin-top:1.05em}
.prose h2{font-size:1.6rem;margin-top:1.9em;letter-spacing:-.015em}
.prose h3{font-size:1.2rem;margin-top:1.5em}
.prose ul,.prose ol{padding-left:1.25em}
.prose li + li{margin-top:.4em}
.prose li::marker{color:var(--brand)}
.prose a{color:var(--brand);font-weight:600;text-underline-offset:3px}
.prose strong{font-weight:650}
.prose blockquote{margin-left:0;border-left:3px solid var(--brand);padding-left:16px;color:var(--ink-2)}
.inline-cta{margin-block:2em;padding:22px 24px;border-radius:8px;background:var(--tint);display:grid;gap:12px}
.inline-cta p{font-family:var(--f-display);font-weight:600;font-size:1.15rem;line-height:1.3}
.side-box{display:grid;gap:14px;padding:22px;border:1px solid var(--line);border-radius:8px;background:var(--surface)}
.side-box h2{font-size:1.15rem}
.side-links{list-style:none;display:grid;gap:8px}
.side-links a{color:var(--brand);font-weight:600;text-decoration:none;font-size:.95rem}
.side-links a:hover{text-decoration:underline}

/* Legal drafts */
.draft-flag{display:flex;gap:10px;align-items:flex-start;padding:14px 16px;border-radius:var(--radius);background:var(--tbc-bg);color:var(--tbc-ink);font-size:.95rem}

/* ---------- Footer ---------- */
.site-footer{background:var(--deep);color:var(--on-deep);padding-block:64px 40px;font-size:.95rem}
.foot-top{display:grid;gap:36px;padding-bottom:36px;border-bottom:1px solid var(--deep-line)}
.foot-brand{display:grid;gap:12px;align-content:start}
.foot-brand .logo{color:var(--on-deep)}
.foot-brand .logo-mark rect{fill:var(--mint)}
.foot-brand .logo-mark path{fill:var(--deep)}
.foot-brand .logo-sub{color:var(--on-deep-2)}
.foot-brand p{color:var(--on-deep-2);max-width:34ch}
.foot-cols{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px}
.foot-col h2{font-family:var(--f-mono);font-size:.72rem;font-weight:500;letter-spacing:.1em;text-transform:uppercase;color:var(--mint);margin-bottom:12px}
.foot-col ul{list-style:none;display:grid;gap:8px}
.foot-col a{color:var(--on-deep);text-decoration:none}
.foot-col a:hover{text-decoration:underline;text-underline-offset:3px}
.foot-col button.linklike{background:none;border:0;padding:0;font:inherit;color:var(--on-deep);cursor:pointer;text-align:left}
.foot-col button.linklike:hover{text-decoration:underline}
.foot-legal{display:grid;gap:10px;padding-top:28px;color:var(--on-deep-2);font-size:.85rem;max-width:90ch}
.foot-legal strong{color:var(--on-deep);font-weight:600}
.site-footer .tbc{background:color-mix(in srgb,var(--tbc-bg) 30%,transparent);color:var(--on-deep)}
@media (min-width:900px){.foot-top{grid-template-columns:minmax(0,1fr) minmax(0,2fr)}.foot-cols{grid-template-columns:repeat(3,minmax(0,1fr))}}

/* ---------- Cookie banner ---------- */
.cookie{position:fixed;z-index:60;left:12px;right:12px;bottom:calc(12px + env(safe-area-inset-bottom,0px));max-width:560px;background:var(--surface);color:var(--ink);border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow);padding:18px 20px;display:grid;gap:12px;font-size:.93rem}
.cookie p{color:var(--ink-2)}
.cookie h2{font-size:1.05rem}
.cookie .btn{min-height:42px}
@media (min-width:640px){.cookie{left:24px;bottom:24px}}

/* ---------- Motion ---------- */
@media (prefers-reduced-motion:no-preference){
  .hero-copy > *{animation:rise .6s cubic-bezier(.2,.7,.2,1) both}
  .hero-copy > *:nth-child(2){animation-delay:.05s}
  .hero-copy > *:nth-child(3){animation-delay:.1s}
  .hero-copy > *:nth-child(4){animation-delay:.15s}
  .hero-copy > *:nth-child(5){animation-delay:.2s}
  .quick{animation:rise .7s .15s cubic-bezier(.2,.7,.2,1) both}
  @keyframes rise{from{transform:translateY(10px)}to{transform:none}}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important}}

/* Tables inside articles */
.prose .table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;border:1px solid var(--line);border-radius:8px;background:var(--surface)}
.prose table{border-collapse:collapse;width:100%;min-width:520px;font-size:.95rem;line-height:1.5}
.prose th,.prose td{text-align:left;vertical-align:top;padding:12px 14px;border-bottom:1px solid var(--line)}
.prose thead th{font-family:var(--f-mono);font-size:.72rem;font-weight:500;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-2);background:var(--paper)}
.prose tbody tr:last-child td{border-bottom:0}
.prose tbody td:first-child{font-weight:600}