:root{
  --ink:#120F3D;
  --royal:#2B1FA0;
  --gold:#D98F12;
  --gold-lt:#F5C34D;
  --ivory:#FDFBF7;
  --paper:#FFFFFF;
  --line:#DFD8EA;
  --muted:#4B4870;
  --tint-blue:#F1F0FB;
  --tint-gold:#FFF6E6;

  --bg:var(--ivory);
  --surface:var(--paper);
  --text:var(--ink);
  --text-soft:var(--muted);
  --rule:var(--line);
  --band:#150F5E;
  --band-text:#F7F3EA;
  --band-soft:#B8AEDD;
  --band-rule:rgba(217,143,18,.32);
  --field:#FFFFFF;
  --shadow:0 1px 2px rgba(18,15,61,.06), 0 12px 34px -20px rgba(18,15,61,.35);

  --display:"Bodoni Moda",Georgia,"Times New Roman",serif;
  --sans:"Archivo","Helvetica Neue",Arial,sans-serif;
  --wrap:1180px;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#0B0930; --surface:#151041; --text:#F3EEE3; --text-soft:#B8AEDD;
    --rule:#2C2668; --band:#050418; --band-text:#F3EEE3; --band-soft:#A99FD1;
    --band-rule:rgba(217,143,18,.3); --field:#110C3A; --gold-lt:#F7CE72;
    --shadow:0 1px 2px rgba(0,0,0,.4), 0 14px 36px -22px rgba(0,0,0,.8);
  }
}
:root[data-theme="dark"]{
  --bg:#0B0930; --surface:#151041; --text:#F3EEE3; --text-soft:#B8AEDD;
  --rule:#2C2668; --band:#050418; --band-text:#F3EEE3; --band-soft:#A99FD1;
  --band-rule:rgba(217,143,18,.3); --field:#110C3A; --gold-lt:#F7CE72;
  --shadow:0 1px 2px rgba(0,0,0,.4), 0 14px 36px -22px rgba(0,0,0,.8);
}

*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--bg);color:var(--text);
  font-family:var(--sans);font-size:17px;line-height:1.62;
  font-synthesis-weight:none;-webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3,h4{margin:0;font-weight:500;letter-spacing:-.01em}
p{margin:0 0 1em}
ul,ol{margin:0;padding:0;list-style:none}
section[id],article[id],div[id]{scroll-margin-top:106px}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:2px}
@media (prefers-reduced-motion: reduce){*{animation:none!important;transition:none!important}}

.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 28px}
.sec{padding:96px 0;border-top:1px solid var(--rule)}
.sec--flush{border-top:0}
.band{background:var(--band);color:var(--band-text);border-top:0}
.band .lede,.band .sub{color:var(--band-soft)}

.h-xl{font-family:var(--display);font-optical-sizing:auto;font-weight:500;
  font-size:clamp(2.6rem,6.4vw,5.1rem);line-height:1.02;letter-spacing:-.018em}
.h-lg{font-family:var(--display);font-weight:500;
  font-size:clamp(2rem,3.9vw,3.1rem);line-height:1.08;letter-spacing:-.015em}
.h-md{font-family:var(--display);font-weight:500;
  font-size:clamp(1.5rem,2.4vw,2.05rem);line-height:1.16}
.h-sm{font-family:var(--sans);font-weight:600;font-size:1.02rem;letter-spacing:.005em}
.lede{font-size:clamp(1.06rem,1.5vw,1.22rem);line-height:1.6;color:var(--text-soft);max-width:60ch}
.sub{color:var(--text-soft);max-width:66ch}
.tiny{font-size:.83rem;line-height:1.55;color:var(--text-soft)}
.rule-gold{width:56px;height:2px;border:0;margin:0 0 26px;
  background:linear-gradient(90deg,var(--gold),var(--gold-lt))}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:.6em;justify-content:center;
  font-family:var(--sans);font-size:.95rem;font-weight:600;line-height:1;
  padding:17px 27px;border-radius:2px;border:1px solid transparent;
  text-decoration:none;cursor:pointer;white-space:nowrap;
  transition:background .18s,color .18s,border-color .18s}
.btn--primary{background:var(--royal);color:#fff;border-color:var(--royal)}
.btn--primary:hover{background:#1E1578;border-color:#1E1578}
.btn--gold{background:linear-gradient(100deg,#C97D0E,#F5C34D 52%,#C97D0E);color:#221302}
.btn--gold:hover{filter:brightness(1.07)}
.btn--ghost{background:transparent;color:var(--text);border-color:var(--rule)}
.btn--ghost:hover{border-color:var(--gold);color:var(--gold)}
.band .btn--ghost{color:var(--band-text);border-color:rgba(243,239,230,.3)}
.band .btn--ghost:hover{border-color:var(--gold-lt);color:var(--gold-lt)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;align-items:center}

/* ---------- header ---------- */
.hdr{position:sticky;top:0;z-index:60;background:color-mix(in srgb,var(--bg) 92%,transparent);
  backdrop-filter:saturate(1.3) blur(10px);border-bottom:1px solid var(--rule)}
.hdr__in{display:flex;align-items:center;gap:16px;height:86px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex:0 0 auto}
.brand img{height:66px;width:auto}
.nav{display:none;gap:14px;white-space:nowrap}
@media(min-width:1080px){.nav{display:flex;flex:1 1 auto;justify-content:space-evenly;align-items:center;margin:0 10px}}
.nav a{text-decoration:none;font-size:.83rem;font-weight:500;letter-spacing:.04em;
  color:var(--text-soft);padding:6px 0;border-bottom:1.5px solid transparent}
.nav a:hover{color:var(--text);border-bottom-color:var(--gold)}
.hdr__cta{display:none;margin-left:auto}
@media(min-width:1080px){.hdr__cta{display:block;margin-left:0}}
.hdr__cta .btn{padding:12px 17px;font-size:.81rem}
.burger{margin-left:auto;display:inline-flex;flex-direction:column;gap:5px;justify-content:center;
  width:44px;height:44px;align-items:center;background:none;border:1px solid var(--rule);
  border-radius:2px;cursor:pointer}
.burger i{display:block;width:19px;height:1.5px;background:var(--text)}
@media(min-width:1080px){.burger{display:none}}
.mnav{display:none;border-top:1px solid var(--rule);padding:14px 0 22px}
.mnav.open{display:block}
.mnav a{display:block;text-decoration:none;padding:11px 0;border-bottom:1px solid var(--rule);
  font-size:.95rem;letter-spacing:.03em}
.mnav .btn{margin-top:18px;width:100%}

/* ---------- hero ---------- */
.hero{padding:clamp(56px,7vw,104px) 0 0;position:relative;overflow:hidden}
.hero__grid{display:grid;gap:48px;align-items:center}
@media(min-width:980px){.hero__grid{grid-template-columns:1.22fr .78fr;gap:60px}}
.hero__eyebrow{font-family:var(--display);font-style:italic;font-size:1.05rem;color:var(--gold);margin-bottom:20px}
.hero h1{margin-bottom:26px}
.hero h1 .q{font-style:italic}
.hero__sub{font-size:clamp(1.1rem,1.6vw,1.3rem);color:var(--text);max-width:36ch;
  font-weight:500;margin-bottom:20px;line-height:1.45}
.hero p.body{max-width:54ch;color:var(--text-soft);font-size:1.02rem}
.hero__cta{margin:32px 0 0}
.hero__markwrap{position:relative;display:flex;justify-content:center}
.hero__markwrap::before{content:"";position:absolute;inset:-14% -6%;border-radius:50%;
  background:radial-gradient(circle at 50% 46%,rgba(224,174,67,.22),rgba(224,174,67,0) 66%)}
.hero__mark{position:relative;width:min(400px,78vw);height:auto;
  animation:rise .9s cubic-bezier(.2,.7,.3,1) both}
@keyframes rise{from{opacity:0;transform:translateY(16px) scale(.985)}to{opacity:1;transform:none}}
.hero__strip{margin-top:clamp(48px,6vw,84px);border-top:1px solid var(--rule);
  border-bottom:1px solid var(--rule);padding:22px 0}
.hero__strip .wrap{display:flex;flex-wrap:wrap;gap:10px 30px;align-items:baseline}
.hero__strip b{font-size:.82rem;letter-spacing:.13em;text-transform:uppercase;font-weight:600}
.hero__strip b + b{color:var(--text-soft);font-weight:500}
.hero__strip em{font-family:var(--display);font-style:italic;font-size:1.06rem;
  color:var(--gold);margin-left:auto;letter-spacing:0;text-transform:none}
@media(max-width:820px){.hero__strip em{margin-left:0;flex-basis:100%}}

/* logo needs a light plate on dark ground (its wordmark is navy) */
.lightplate{background:#FBF9F4;border-radius:50%;padding:7px}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]) .brand img,
  :root:not([data-theme="light"]) .hero__mark,
  :root:not([data-theme="light"]) .portrait img{background:#FBF9F4;border-radius:50%;padding:6px}
}
:root[data-theme="dark"] .brand img,
:root[data-theme="dark"] .hero__mark,
:root[data-theme="dark"] .portrait img{background:#FBF9F4;border-radius:50%;padding:6px}

/* ---------- section head ---------- */
.sechead{max-width:70ch;margin-bottom:46px}
.sechead .lede{margin-top:16px}

/* ---------- 2. segmentation ---------- */
.routes{display:grid;gap:0;border-top:1px solid var(--rule)}
.route{border-bottom:1px solid var(--rule);padding:34px 0;display:grid;gap:18px;align-items:start}
@media(min-width:900px){.route{grid-template-columns:.9fr 1.35fr auto;gap:40px;align-items:center;padding:32px 0}}
.route__no{font-family:var(--display);font-size:.9rem;color:var(--gold);letter-spacing:.06em}
.route h3{font-family:var(--display);font-size:clamp(1.45rem,2.3vw,1.95rem);line-height:1.12}
.route__tags{display:flex;flex-wrap:wrap;gap:8px}
.route__tags li{font-size:.85rem;color:var(--text-soft);border:1px solid var(--rule);
  border-radius:999px;padding:6px 14px;background:var(--surface)}
.route .btn{white-space:nowrap}

/* ---------- 3. structure band ---------- */
.structure{display:grid;gap:44px}
@media(min-width:960px){.structure{grid-template-columns:.95fr 1.05fr;gap:72px;align-items:start}}
.factors{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--band-rule);
  border:1px solid var(--band-rule)}
@media(min-width:560px){.factors{grid-template-columns:repeat(3,1fr)}}
.factors li{background:var(--band);padding:20px 16px;font-size:.92rem;line-height:1.35;
  display:flex;align-items:flex-end;min-height:104px;color:var(--band-text)}
.structure__claim{font-family:var(--display);font-size:clamp(1.3rem,2vw,1.7rem);line-height:1.3;
  margin-top:34px;color:var(--gold-lt);max-width:32ch}

/* ---------- 4. specialisations ---------- */
.spec{display:grid;gap:1px;background:var(--rule);border:1px solid var(--rule)}
@media(min-width:680px){.spec{grid-template-columns:1fr 1fr}}
@media(min-width:1040px){.spec{grid-template-columns:repeat(4,1fr)}}
.spec > div{background:var(--surface);padding:32px 26px 34px}
.spec h3{font-family:var(--display);font-size:1.3rem;margin-bottom:18px;padding-bottom:16px;
  border-bottom:1px solid var(--rule)}
.spec li{padding:7px 0 7px 18px;position:relative;font-size:.95rem;color:var(--text-soft)}
.spec li::before{content:"";position:absolute;left:0;top:15px;width:7px;height:1.5px;background:var(--gold)}

/* ---------- 5. difficult cases ---------- */
.cases-in{display:grid;gap:40px}
@media(min-width:980px){.cases-in{grid-template-columns:1fr 1fr;gap:64px;align-items:center}}
.situations li{border-left:2px solid var(--gold);padding:4px 0 4px 22px;margin-bottom:26px;
  font-size:1.06rem;line-height:1.5;max-width:46ch}
.bigline{font-family:var(--display);font-size:clamp(1.7rem,3.2vw,2.7rem);line-height:1.18;letter-spacing:-.015em}
.bigline span{display:block}
.bigline span + span{color:var(--text-soft)}
.bigline span:last-child{color:var(--gold)}

/* ---------- 6. Sandeep ---------- */
.sandeep{display:grid;gap:44px}
@media(min-width:960px){.sandeep{grid-template-columns:.8fr 1.2fr;gap:64px;align-items:start}}
.portrait{border:1px solid var(--rule);background:var(--surface);aspect-ratio:4/5;
  display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;
  text-align:center;padding:30px;position:relative}
.portrait::after{content:"";position:absolute;inset:11px;border:1px solid var(--band-rule);pointer-events:none}
.portrait img{width:120px;opacity:.85}
.portrait p{margin:0;font-size:.83rem;color:var(--text-soft);max-width:26ch}
.namecard{margin-top:22px}
.namecard b{font-family:var(--display);font-size:1.45rem;font-weight:600;display:block}
.namecard span{font-size:.85rem;letter-spacing:.06em;color:var(--gold);font-weight:600}
.letter p{max-width:58ch}
.pullquote{font-family:var(--display);font-style:italic;
  font-size:clamp(1.5rem,2.7vw,2.15rem);line-height:1.22;margin:34px 0 8px;
  padding-left:26px;border-left:2px solid var(--gold)}
.sign{font-family:var(--display);font-size:1.05rem;color:var(--text-soft);margin-bottom:28px}

/* ---------- 7. process ---------- */
.steps{counter-reset:s;display:grid;gap:1px;background:var(--rule);border:1px solid var(--rule)}
@media(min-width:760px){.steps{grid-template-columns:repeat(5,1fr)}}
.steps li{background:var(--surface);padding:28px 22px 32px;counter-increment:s}
.steps li::before{content:counter(s,decimal-leading-zero);display:block;
  font-family:var(--display);font-size:1.5rem;color:var(--gold);margin-bottom:14px}
.steps h3{font-size:.95rem;font-weight:600;letter-spacing:.05em;margin-bottom:9px;font-family:var(--sans)}
.steps p{margin:0;font-size:.9rem;color:var(--text-soft);line-height:1.5}

/* ---------- 8. case studies ---------- */
.cs{display:grid;gap:22px}
@media(min-width:760px){.cs{grid-template-columns:1fr 1fr}}
.cs article{border:1px solid var(--rule);background:var(--surface);padding:30px 28px 32px;box-shadow:var(--shadow)}
.cs__kind{font-size:.76rem;letter-spacing:.14em;font-weight:600;color:var(--gold);margin-bottom:12px}
.cs__amt{font-family:var(--display);font-size:clamp(1.8rem,3vw,2.35rem);line-height:1;margin-bottom:20px}
.cs dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:9px 18px;font-size:.93rem}
.cs dt{color:var(--gold);font-weight:600;font-size:.8rem;letter-spacing:.04em;padding-top:3px}
.cs dd{margin:0;color:var(--text-soft)}
.placeholder{background:linear-gradient(transparent 62%,rgba(224,174,67,.35) 0);padding:0 2px}

/* ---------- 9. lenders ---------- */
.lenders{display:grid;gap:1px;background:var(--band-rule);border:1px solid var(--band-rule);margin:36px 0 22px}
@media(min-width:680px){.lenders{grid-template-columns:repeat(4,1fr)}}
.lenders li{background:var(--band);padding:34px 20px;text-align:center}
.lenders b{display:block;font-family:var(--display);font-size:1.45rem;margin-bottom:6px}
.lenders span{font-size:.82rem;color:var(--band-soft)}

/* ---------- 10. testimonials ---------- */
.quotes{display:grid;gap:22px}
@media(min-width:860px){.quotes{grid-template-columns:repeat(3,1fr)}}
.quotes figure{margin:0;border-top:2px solid var(--gold);background:var(--surface);
  border-right:1px solid var(--rule);border-bottom:1px solid var(--rule);border-left:1px solid var(--rule);
  padding:28px 26px 26px}
.quotes blockquote{margin:0 0 18px;font-family:var(--display);font-size:1.12rem;line-height:1.42}
.quotes figcaption{font-size:.85rem;color:var(--text-soft)}

/* ---------- 11. tools ---------- */
.tools{display:grid;gap:34px}
@media(min-width:980px){.tools{grid-template-columns:.85fr 1.15fr;gap:60px;align-items:start}}
.tabs{display:flex;gap:0;border:1px solid var(--rule);background:var(--surface);margin-bottom:-1px;width:fit-content}
.tab{appearance:none;border:0;background:none;font-family:var(--sans);font-size:.88rem;font-weight:600;
  padding:14px 22px;cursor:pointer;color:var(--text-soft);border-bottom:2px solid transparent}
.tab[aria-selected="true"]{color:var(--text);border-bottom-color:var(--gold);background:var(--bg)}
.panel{border:1px solid var(--rule);background:var(--surface);padding:30px 28px 32px;box-shadow:var(--shadow)}
.panel[hidden]{display:none}
.fieldrow{display:grid;gap:8px;margin-bottom:22px}
.fieldrow label{font-size:.83rem;font-weight:600;letter-spacing:.04em;color:var(--text-soft);
  display:flex;justify-content:space-between;gap:12px}
.fieldrow label output{color:var(--text);font-variant-numeric:tabular-nums;font-weight:700}
input[type=range]{width:100%;accent-color:var(--gold);height:26px}
.result{border-top:1px solid var(--rule);margin-top:26px;padding-top:24px;
  display:grid;gap:20px;grid-template-columns:1fr 1fr}
.result div span{display:block;font-size:.78rem;letter-spacing:.09em;color:var(--text-soft);margin-bottom:5px}
.result div b{font-family:var(--display);font-size:clamp(1.5rem,2.6vw,2rem);font-weight:600;
  font-variant-numeric:tabular-nums;line-height:1.1}

/* ---------- 12. FAQ ---------- */
.faq{border-top:1px solid var(--rule);max-width:86ch}
.faq details{border-bottom:1px solid var(--rule)}
.faq summary{cursor:pointer;list-style:none;padding:22px 40px 22px 0;position:relative;
  font-size:1.05rem;font-weight:500;font-family:var(--display)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:8px;top:31px;width:11px;height:11px;
  border-right:1.5px solid var(--gold);border-bottom:1.5px solid var(--gold);
  transform:rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(-135deg)}
.faq p{padding:0 8% 24px 0;color:var(--text-soft);margin:0;font-size:.98rem;max-width:74ch}

/* ---------- 13. final CTA + form ---------- */
.cta__grid{display:grid;gap:48px}
@media(min-width:980px){.cta__grid{grid-template-columns:.85fr 1.15fr;gap:70px;align-items:start}}
.form{display:grid;gap:18px}
@media(min-width:620px){.form{grid-template-columns:1fr 1fr}}
.form .full{grid-column:1/-1}
.form label{display:block;font-size:.78rem;letter-spacing:.1em;font-weight:600;
  color:var(--band-soft);margin-bottom:8px}
.form input,.form select,.form textarea{width:100%;font-family:var(--sans);font-size:.98rem;
  color:var(--band-text);background:rgba(255,255,255,.05);border:1px solid rgba(243,239,230,.22);
  border-radius:2px;padding:14px 15px}
.form textarea{min-height:104px;resize:vertical}
.form select option{color:#120F3D}
.form input::placeholder,.form textarea::placeholder{color:rgba(169,178,203,.7)}
.formnote{font-size:.8rem;color:var(--band-soft);margin:0}
.done{border:1px solid var(--band-rule);padding:24px;background:rgba(224,174,67,.07)}
.done b{font-family:var(--display);font-size:1.25rem;display:block;margin-bottom:8px;color:var(--gold-lt)}
.done p{color:var(--band-soft);font-size:.92rem;margin:0}
.done pre{white-space:pre-wrap;font-family:var(--sans);font-size:.88rem;color:var(--band-text);
  background:rgba(0,0,0,.25);padding:14px;margin:14px 0 0;border-left:2px solid var(--gold)}

/* ---------- 14. footer ---------- */
.foot{background:var(--band);color:var(--band-text);padding:70px 0 34px}
.foot__grid{display:grid;gap:40px;padding-bottom:44px;border-bottom:1px solid var(--band-rule)}
@media(min-width:900px){.foot__grid{grid-template-columns:1.1fr .7fr .7fr 1fr;gap:48px}}
.foot__logo{background:#FBF9F4;border:1px solid var(--band-rule);padding:16px 20px;
  width:fit-content;margin-bottom:20px;border-radius:3px}
.foot__logo img{width:210px}
.foot h4{font-size:.76rem;letter-spacing:.14em;font-weight:700;color:var(--gold);margin-bottom:16px}
.foot li{margin-bottom:9px}
.foot a{text-decoration:none;font-size:.92rem;color:var(--band-soft)}
.foot a:hover{color:var(--gold-lt)}
.foot__tag{font-family:var(--display);font-style:italic;font-size:1.08rem;color:var(--gold-lt);margin:18px 0 0}
.foot__legal{padding-top:26px;font-size:.79rem;line-height:1.62;color:var(--band-soft);max-width:98ch}
.foot{padding-bottom:104px}
.foot__bar{display:flex;flex-wrap:wrap;gap:8px 20px;justify-content:space-between;
  margin-top:22px;font-size:.79rem;color:var(--band-soft)}

/* ---------- floating whatsapp ---------- */
.float{position:fixed;right:18px;bottom:18px;z-index:70;display:inline-flex;align-items:center;gap:9px;
  background:#1F8E4A;color:#fff;text-decoration:none;font-weight:600;font-size:.9rem;
  padding:14px 19px;border-radius:999px;box-shadow:0 10px 30px -10px rgba(0,0,0,.55)}
.float:hover{background:#1A7A3F}
.float span{display:none}
@media(min-width:600px){.float span{display:inline}}

/* ---------- page header (interior pages) ---------- */
.pagehead{padding:clamp(52px,7vw,88px) 0 64px;position:relative}
.pagehead__eyebrow{font-family:var(--display);font-style:italic;font-size:1.05rem;color:var(--gold);margin-bottom:18px}
.pagehead h1{max-width:22ch}
.pagehead .lede{margin-top:20px}
.crumb{font-size:.8rem;color:var(--text-soft);letter-spacing:.03em;margin-bottom:18px}
.crumb a{text-decoration:none;color:var(--text-soft)}
.crumb a:hover{color:var(--gold)}
.crumb span{color:var(--text)}

/* ---------- nav: active + dropdown ---------- */
.nav a.is-on{color:var(--text);border-bottom-color:var(--gold)}
.nav__item{position:relative}
.nav__item > a{display:inline-flex;align-items:center;gap:5px}
.nav__item > a::after{content:"";width:6px;height:6px;border-right:1.3px solid currentColor;
  border-bottom:1.3px solid currentColor;transform:rotate(45deg);margin-top:-3px;opacity:.6}
.nav__drop{display:none;position:absolute;top:100%;left:-16px;padding-top:14px;min-width:250px}
.nav__item:hover .nav__drop,.nav__item:focus-within .nav__drop{display:block}
.nav__drop ul{background:var(--surface);border:1px solid var(--rule);box-shadow:var(--shadow);
  padding:10px;border-radius:2px}
.nav__drop a{display:block;padding:9px 12px;font-size:.85rem;letter-spacing:.01em;
  color:var(--text);text-decoration:none;border-bottom:0!important;border-radius:2px}
.nav__drop a:hover{background:var(--bg);color:var(--gold)}
.mnav__group{padding:11px 0;border-bottom:1px solid var(--rule)}
.mnav__group>b{display:block;font-size:.95rem;letter-spacing:.03em;margin-bottom:8px}
.mnav__group ul{display:grid;gap:2px}
.mnav__group a{display:block;padding:8px 0 8px 14px;font-size:.88rem;color:var(--text-soft);
  border-bottom:0;text-decoration:none;position:relative}
.mnav__group a::before{content:"";position:absolute;left:0;top:16px;width:6px;height:1.5px;background:var(--gold)}

/* ---------- solutions pill nav ---------- */
.pillnav{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 8px;padding:26px 0;border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.pillnav a{text-decoration:none;font-size:.83rem;font-weight:600;letter-spacing:.02em;
  color:var(--text-soft);border:1px solid var(--rule);padding:9px 16px;border-radius:999px;background:var(--surface)}
.pillnav a:hover{color:var(--gold);border-color:var(--gold)}

/* ---------- solutions detail blocks ---------- */
.soln{display:grid;gap:36px;padding:64px 0;border-top:1px solid var(--rule)}
@media(min-width:960px){.soln{grid-template-columns:.85fr 1.15fr;gap:64px}}
.soln__no{font-family:var(--display);font-size:.9rem;color:var(--gold);letter-spacing:.06em;margin-bottom:14px}
.soln h2{font-size:clamp(1.55rem,2.6vw,2.1rem)}
.soln__meta{display:grid;gap:16px;margin-top:26px}
.soln__meta div{border-top:1px solid var(--rule);padding-top:12px}
.soln__meta span{display:block;font-size:.76rem;letter-spacing:.09em;color:var(--gold);margin-bottom:5px;font-weight:600}
.soln__meta p{margin:0;font-size:.92rem;color:var(--text-soft)}
.soln__list{margin-top:10px}
.soln__list li{padding:10px 0 10px 22px;position:relative;color:var(--text-soft);border-bottom:1px solid var(--rule)}
.soln__list li::before{content:"";position:absolute;left:0;top:19px;width:8px;height:1.5px;background:var(--gold)}
.soln__list li:last-child{border-bottom:0}

/* ---------- insights grid ---------- */
.insights{display:grid;gap:1px;background:var(--rule);border:1px solid var(--rule)}
@media(min-width:680px){.insights{grid-template-columns:1fr 1fr}}
@media(min-width:1040px){.insights{grid-template-columns:repeat(3,1fr)}}
.insights article{background:var(--surface);padding:32px 28px 30px;display:flex;flex-direction:column;min-height:260px}
.insights__kind{font-size:.76rem;letter-spacing:.12em;font-weight:700;color:var(--gold);margin-bottom:14px}
.insights h3{font-family:var(--display);font-size:1.25rem;line-height:1.28;margin-bottom:12px}
.insights p{color:var(--text-soft);font-size:.92rem;flex:1}
.insights__meta{font-size:.78rem;color:var(--text-soft);margin-top:16px;padding-top:14px;border-top:1px solid var(--rule)}

/* ---------- audience split card (developers/businesses cross-link) ---------- */
.split{display:grid;gap:1px;background:var(--rule);border:1px solid var(--rule)}
@media(min-width:760px){.split{grid-template-columns:1fr 1fr}}
.split > a{background:var(--surface);padding:38px 32px;text-decoration:none;color:var(--text);
  display:block;transition:background .18s}
.split > a:hover{background:var(--bg)}
.split p.eyebrow{font-size:.78rem;letter-spacing:.1em;color:var(--gold);font-weight:700;margin-bottom:10px}
.split h3{font-family:var(--display);font-size:1.5rem;margin-bottom:12px}
.split span.go{display:inline-block;margin-top:14px;font-size:.85rem;font-weight:600;color:var(--gold)}

/* ---------- values / approach grid (about page) ---------- */
.values{display:grid;gap:1px;background:var(--rule);border:1px solid var(--rule)}
@media(min-width:680px){.values{grid-template-columns:repeat(2,1fr)}}
.values > div{background:var(--surface);padding:30px 26px}
.values h3{font-family:var(--display);font-size:1.15rem;margin-bottom:10px}
.values p{margin:0;color:var(--text-soft);font-size:.93rem}

/* ---------- timeline (about page bio) ---------- */
.timeline{border-top:1px solid var(--rule);margin-top:8px}
.timeline li{display:grid;grid-template-columns:88px 1fr;gap:20px;padding:20px 0;border-bottom:1px solid var(--rule)}
.timeline b{font-family:var(--display);color:var(--gold);font-size:.95rem}
.timeline p{margin:0;color:var(--text-soft);font-size:.93rem}


/* ---------- team grid (about us page) ---------- */
.team{display:grid;gap:1px;background:var(--rule);border:1px solid var(--rule)}
@media(min-width:760px){.team{grid-template-columns:repeat(3,1fr)}}
.team>div{background:var(--surface);padding:30px 26px 34px;display:flex;flex-direction:column}
.team .team__photo{border:1px solid var(--rule);aspect-ratio:1/1;display:flex;flex-direction:column;
  align-items:center;justify-content:center;gap:10px;text-align:center;padding:20px;margin-bottom:20px;
  position:relative;background:var(--bg)}
.team .team__photo::after{content:"";position:absolute;inset:9px;border:1px solid var(--band-rule);pointer-events:none}
.team .team__photo img{width:80%;opacity:.85}
.team .team__photo p{margin:0;font-size:.76rem;color:var(--text-soft);max-width:24ch}
.team h3{font-family:var(--display);font-size:1.25rem;margin-bottom:2px}
.team .role{display:block;font-size:.78rem;letter-spacing:.07em;color:var(--gold);font-weight:600;
  text-transform:uppercase;margin-bottom:14px}
.team p.bio{color:var(--text-soft);font-size:.92rem;margin:0 0 10px;flex:1}
.team .pending{font-size:.76rem;color:var(--text-soft);font-style:italic;padding-top:10px;border-top:1px solid var(--rule)}

/* ---------- alternating section tints (brand-vibrant rhythm) ---------- */
.sec--tint-blue{background:var(--tint-blue)}
.sec--tint-gold{background:var(--tint-gold)}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]) .sec--tint-blue{background:color-mix(in srgb,var(--surface) 88%,var(--royal) 12%)}
  :root:not([data-theme="light"]) .sec--tint-gold{background:color-mix(in srgb,var(--surface) 90%,var(--gold) 10%)}
}
:root[data-theme="dark"] .sec--tint-blue{background:color-mix(in srgb,var(--surface) 88%,var(--royal) 12%)}
:root[data-theme="dark"] .sec--tint-gold{background:color-mix(in srgb,var(--surface) 90%,var(--gold) 10%)}

/* alternate solution detail blocks for visual rhythm */
.soln:nth-of-type(even){background:var(--tint-blue)}


/* ---------- header accent line (all pages) ---------- */
.hdr::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:2px;
  background:linear-gradient(90deg,var(--royal),var(--gold) 50%,var(--royal));opacity:.85}
.brand__txt{display:none!important} /* safety net for any page still carrying the old wordmark text */

/* ---------- team portraits (about us) ---------- */
.team .team__photo--img{padding:0;overflow:hidden;aspect-ratio:4/5;display:block}
.team .team__photo--img img{width:100%;height:100%;max-width:none;object-fit:cover;object-position:center top;display:block;opacity:1}

/* ================= HOME PAGE: colour enhancements ================= */
.home .hero{background:
  radial-gradient(55% 70% at 90% 20%,rgba(245,195,77,.24),transparent 70%),
  radial-gradient(45% 60% at 0% 100%,rgba(43,31,160,.12),transparent 70%),
  var(--bg)}
.home .hero__strip{background:linear-gradient(90deg,#150F5E,#2B1FA0);border:0;color:#F7F3EA}
.home .hero__strip b{color:#F7F3EA}
.home .hero__strip b + b{color:#CFC7F0}
.home .hero__strip b + b::before{content:"";display:inline-block;width:5px;height:5px;border-radius:50%;
  background:var(--gold-lt);margin:0 14px 2px 0;vertical-align:middle}
.home .hero__strip em{color:var(--gold-lt)}

/* routes */
.home .route{padding-left:22px;padding-right:22px;border-left:3px solid transparent;
  transition:background .2s,border-color .2s}
.home .route:hover{background:color-mix(in srgb,var(--surface) 90%,var(--royal) 10%);border-left-color:var(--gold)}
.home .route__no{display:inline-block;background:var(--royal);color:#fff;padding:5px 13px;border-radius:999px;
  font-family:var(--sans);font-size:.74rem;font-weight:600;letter-spacing:.08em;margin-bottom:12px}
.home .route:nth-child(even) .route__no{background:linear-gradient(100deg,#C97D0E,#F5C34D);color:#221302}
.home .route__tags li{background:color-mix(in srgb,var(--surface) 86%,var(--gold) 14%);
  border-color:color-mix(in srgb,var(--rule) 50%,var(--gold) 50%);color:var(--text)}

/* dark bands: indigo gradient with gold glow */
:is(.home,.vivid) .band{background:
  radial-gradient(55% 80% at 100% 0%,rgba(217,143,18,.22),transparent 60%),
  radial-gradient(50% 70% at 0% 100%,rgba(91,74,230,.35),transparent 65%),
  linear-gradient(135deg,#150F5E,#2B1FA0)}
:is(.home,.vivid) .band--cta{background:
  radial-gradient(70% 120% at 50% 125%,rgba(245,195,77,.38),transparent 60%),
  linear-gradient(135deg,#150F5E,#2B1FA0)}
.home .factors{counter-reset:f}
.home .factors li{background:#1C1470;counter-increment:f;flex-direction:column;
  align-items:flex-start;justify-content:space-between;gap:12px;transition:background .2s}
.home .factors li::before{content:counter(f,decimal-leading-zero);font-family:var(--display);color:var(--gold-lt);font-size:1.05rem}
.home .factors li:hover{background:#2E2388}
.home .lenders li{background:#1C1470;border-top:2px solid var(--gold)}
.home .lenders b{color:var(--gold-lt)}

/* audience split */
.home .split>a{border-top:4px solid var(--royal);transition:transform .2s,box-shadow .2s}
.home .split>a + a{border-top-color:var(--gold)}
.home .split>a:hover{background:var(--surface);transform:translateY(-3px);box-shadow:var(--shadow)}

/* process */
.home .steps{background:transparent;border:0;gap:14px}
.home .steps li{border-top:3px solid var(--royal);box-shadow:var(--shadow)}
.home .steps li:nth-child(even){border-top-color:var(--gold)}
.home .steps li::before{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;
  background:var(--royal);color:#fff;font-size:1.05rem}
.home .steps li:nth-child(even)::before{background:linear-gradient(135deg,#C97D0E,#F5C34D);color:#221302}

/* testimonials */
.home .quotes figure{box-shadow:var(--shadow)}
.home .quotes figure:nth-child(2){border-top-color:var(--royal)}


/* ================= SHARED VIVID TREATMENT (solutions, contact) ================= */
.vivid .pagehead{background:
  radial-gradient(50% 80% at 92% 10%,rgba(245,195,77,.24),transparent 70%),
  radial-gradient(40% 70% at 0% 100%,rgba(43,31,160,.12),transparent 70%),
  var(--bg);border-bottom:3px solid transparent;
  border-image:linear-gradient(90deg,var(--royal),var(--gold),var(--royal)) 1}

/* FAQ as cards */
.vivid .faq{border-top:0;display:grid;gap:12px}
.vivid .faq details{background:var(--surface);border:1px solid var(--rule);border-left:3px solid var(--royal);
  padding:0 24px;box-shadow:var(--shadow);transition:border-color .2s}
.vivid .faq details:nth-child(even){border-left-color:var(--gold)}
.vivid .faq details[open]{border-left-color:var(--gold)}
.vivid .faq details:nth-child(even)[open]{border-left-color:var(--royal)}

/* ---------- SOLUTIONS ---------- */
.pg-solutions{--c-prop:#2B1FA0;--c-home:#7A3FC9;--c-biz:#C97D0E;--c-dev:#B4481B}
.soln-zone{background:color-mix(in srgb,var(--bg) 70%,var(--tint-blue) 30%);padding:40px 0 72px}
.soln-legend{display:flex;flex-wrap:wrap;gap:8px 22px;margin:0 0 14px;font-size:.8rem;color:var(--text-soft)}
.soln-legend li{display:inline-flex;align-items:center;gap:8px}
.soln-legend li::before{content:"";width:10px;height:10px;border-radius:50%;background:var(--c)}
.pg-solutions .pill--prop{--c:var(--c-prop)}.pg-solutions .pill--home{--c:var(--c-home)}
.pg-solutions .pill--biz{--c:var(--c-biz)}.pg-solutions .pill--dev{--c:var(--c-dev)}
.pg-solutions .pillnav{border:0;padding:0 0 30px;margin:0}
.pg-solutions .pillnav a{border-color:color-mix(in srgb,var(--c) 40%,var(--rule));background:var(--surface);
  color:var(--text);display:inline-flex;align-items:center;gap:8px;transition:background .18s,color .18s}
.pg-solutions .pillnav a::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--c)}
.pg-solutions .pillnav a:hover{background:var(--c);border-color:var(--c);color:#fff}
.pg-solutions .pillnav a:hover::before{background:#fff}

.soln--prop{--c:var(--c-prop)}.soln--home{--c:var(--c-home)}.soln--biz{--c:var(--c-biz)}.soln--dev{--c:var(--c-dev)}
.pg-solutions .soln,.pg-solutions .soln:nth-of-type(even){background:var(--surface);border:1px solid var(--rule);
  border-top:4px solid var(--c);box-shadow:var(--shadow);padding:44px clamp(22px,4vw,48px);margin-top:26px}
.pg-solutions .soln__no{display:flex;align-items:center;gap:12px;font-family:var(--sans);font-size:.8rem;
  font-weight:600;letter-spacing:.06em;color:var(--c)}
.pg-solutions .soln__no b{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;
  background:var(--c);color:#fff;font-family:var(--display);font-size:1rem;font-weight:500;letter-spacing:0}
.pg-solutions .soln__list li::before{background:var(--c)}
.pg-solutions .soln__meta{gap:10px;margin-top:0;align-content:start}
.pg-solutions .soln__meta div{border:0;border-left:3px solid var(--c);padding:14px 18px;
  background:color-mix(in srgb,var(--surface) 92%,var(--c) 8%)}
.pg-solutions .soln__meta span{color:var(--c)}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]) .pg-solutions .soln__no,
  :root:not([data-theme="light"]) .pg-solutions .soln__meta span{color:var(--gold-lt)}
}
:root[data-theme="dark"] .pg-solutions .soln__no,:root[data-theme="dark"] .pg-solutions .soln__meta span{color:var(--gold-lt)}

/* calculators */
.pg-solutions .tabs{border-color:var(--rule)}
.pg-solutions .tab[aria-selected="true"]{background:var(--royal);color:#fff;border-bottom-color:var(--gold)}
.pg-solutions .tab:not([aria-selected="true"]):hover{color:var(--royal)}
.pg-solutions .panel{border-top:3px solid var(--royal)}
.pg-solutions .result{background:color-mix(in srgb,var(--surface) 88%,var(--royal) 12%);border:0;
  padding:22px;margin-top:26px}
.pg-solutions .result div b{color:var(--royal)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) .pg-solutions .result div b{color:var(--gold-lt)}}
:root[data-theme="dark"] .pg-solutions .result div b{color:var(--gold-lt)}

/* ---------- CONTACT ---------- */
.contact-card{margin-top:30px;padding:26px 26px 22px;border:1px solid rgba(245,195,77,.35);
  border-top:3px solid var(--gold);background:rgba(10,7,50,.45)}
.contact-card__name{font-family:var(--display);font-size:1.5rem;margin:0 0 2px}
.contact-card__role{font-size:.8rem;letter-spacing:.06em;color:var(--gold-lt);font-weight:600;margin-bottom:18px}
.contact-list li{display:grid;grid-template-columns:118px 1fr;gap:12px;padding:11px 0;
  border-top:1px solid rgba(243,239,230,.14);font-size:.93rem}
.contact-list span{font-size:.74rem;letter-spacing:.08em;color:var(--band-soft);text-transform:uppercase;padding-top:2px}
.contact-list a{text-decoration:none;color:var(--band-text);font-weight:600}
.contact-list a:hover{color:var(--gold-lt)}
.contact-pending{color:var(--gold-lt);font-size:.85rem}
.form--card,.done--card{background:rgba(255,255,255,.06);border:1px solid rgba(243,239,230,.16);
  border-top:3px solid var(--gold);padding:30px clamp(20px,3vw,34px)}
.pg-contact .form input:focus,.pg-contact .form select:focus,.pg-contact .form textarea:focus{
  outline:0;border-color:var(--gold-lt);box-shadow:0 0 0 3px rgba(245,195,77,.22)}
.pg-contact .form select{background:rgba(12,8,60,.6)}


/* =========================================================
   KFS 2026 PREMIUM REDESIGN LAYER
   Vastu-inspired palette:
   Royal Blue = stability / trust
   Emerald = growth
   Orange = action / energy
   Gold = premium accent
   Navy = authority
   ========================================================= */
:root{
  --kfs-blue:#155EEF;
  --kfs-green:#16A34A;
  --kfs-orange:#FF7A00;
  --kfs-gold:#D4A72C;
  --kfs-navy:#102A43;
  --kfs-blue-lt:#EAF2FF;
  --kfs-green-lt:#EAF8EF;
  --kfs-orange-lt:#FFF1E5;
}
body{background:#FBFCFE}
.hdr{border-bottom:1px solid rgba(16,42,67,.08)}
.hdr__cta .btn--gold{background:var(--kfs-orange);color:#fff;border-color:var(--kfs-orange);border-radius:9px}
.hdr__cta .btn--gold:hover{background:#e96900;border-color:#e96900}
.hero{background:
  radial-gradient(circle at 84% 20%,rgba(21,94,239,.16),transparent 28%),
  radial-gradient(circle at 78% 80%,rgba(22,163,74,.10),transparent 25%),
  #f7fafc!important;
  border-bottom:1px solid rgba(16,42,67,.06);
}
.hero__grid{min-height:650px;align-items:center}
.hero h1{font-family:var(--sans);font-weight:800;letter-spacing:-.045em}
.hero h1 .q{color:var(--kfs-orange)}
.hero__eyebrow{color:var(--kfs-blue)!important;font-weight:800!important;letter-spacing:.12em}
.hero__sub{font-weight:600}
.hero__cta .btn--primary{background:var(--kfs-orange);border-color:var(--kfs-orange);border-radius:9px;box-shadow:0 10px 25px rgba(255,122,0,.20)}
.hero__cta .btn--ghost{border-color:var(--kfs-blue);color:var(--kfs-blue);border-radius:9px;background:#fff}
.hero__markwrap{position:relative}
.hero__markwrap:after{
  content:"Sandeep Nankani\A I DON'T SELL LOANS. I STRUCTURE FUNDING.";
  white-space:pre;
  position:absolute;left:2%;bottom:7%;z-index:3;
  background:rgba(255,255,255,.95);padding:16px 20px;border-radius:13px;
  box-shadow:0 16px 35px rgba(16,42,67,.14);
  color:var(--kfs-navy);font-weight:800;line-height:1.5;
}
.hero__mark{filter:drop-shadow(0 22px 45px rgba(16,42,67,.14))}
.pagehead{background:linear-gradient(135deg,#f7fafc 0%,#eef7ff 65%,#effaf2 100%)}
.pagehead__eyebrow{color:var(--kfs-blue)!important;font-weight:800!important}
.btn--primary{background:var(--kfs-blue);border-color:var(--kfs-blue);border-radius:9px}
.btn--primary:hover{background:#0f4ac7;border-color:#0f4ac7}
.btn--gold{background:var(--kfs-orange)!important;color:#fff!important;border-color:var(--kfs-orange)!important;border-radius:9px}
.sec--tint-gold{background:linear-gradient(135deg,#fffaf2,#fff)}
.rule-gold{background:linear-gradient(90deg,var(--kfs-orange),var(--kfs-gold))!important}
.band{background:var(--kfs-navy)!important}
.spec>div,.cs>article,.insights>article,.team>div,.contact-card,.form-card{
  border-radius:14px;
  box-shadow:0 10px 30px rgba(16,42,67,.07);
}
.pillnav a{border-radius:999px}
.footer{background:#0b2033!important}
@media(max-width:700px){
 .hero__grid{min-height:auto;padding-top:45px;padding-bottom:55px}
 .hero__markwrap:after{position:relative;display:block;left:auto;bottom:auto;margin:15px 4% 0;width:auto}
}


/* =========================================================
   KFS VISUAL BACKGROUND IMAGE LAYER — approved mockup look
   Images are intentionally used as atmospheric hero/pagehead
   backgrounds, with a dark/white gradient overlay for legibility.
   ========================================================= */
.pagehead{
  color:#fff;
  min-height:330px;
  display:flex;
  align-items:center;
  background-size:cover !important;
  background-position:center !important;
  background-repeat:no-repeat !important;
  overflow:hidden;
}
.pagehead .crumb,.pagehead .crumb a{color:rgba(255,255,255,.78)}
.pagehead .crumb span{color:#fff}
.pagehead h1,.pagehead .lede{color:#fff}
.pagehead .pagehead__eyebrow{color:#FFB020!important}
.pg-solutions .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.94),rgba(8,27,47,.62),rgba(8,27,47,.16)),url('backgrounds/solutions.webp') !important}
.pg-developers .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.95),rgba(8,27,47,.62),rgba(8,27,47,.12)),url('backgrounds/developers.webp') !important}
.pg-businesses .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.95),rgba(8,27,47,.62),rgba(8,27,47,.10)),url('backgrounds/businesses.webp') !important}
.pg-case-studies .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.95),rgba(8,27,47,.64),rgba(8,27,47,.10)),url('backgrounds/case-studies.webp') !important}
.pg-about .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.95),rgba(8,27,47,.58),rgba(8,27,47,.08)),url('backgrounds/about.webp') !important}
.pg-insights .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.95),rgba(8,27,47,.62),rgba(8,27,47,.08)),url('backgrounds/insights.webp') !important}
.pg-contact .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.94),rgba(8,27,47,.55),rgba(8,27,47,.08)),url('backgrounds/contact.webp') !important}
/* Add visual depth to selected cards without making every section busy. */
.spec>div,.cs>article,.insights>article,.team>div{overflow:hidden;position:relative}
.spec>div:before,.cs>article:before,.insights>article:before{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:linear-gradient(135deg,rgba(21,94,239,.035),transparent 55%,rgba(22,163,74,.035));
}
@media(max-width:700px){
  .pagehead{min-height:300px}
}

/* =========================================================
   KFS HD BACKGROUND SYSTEM — v2
   Responsive WebP assets: desktop 1920x1080 + mobile 900x1200.
   The hero uses the approved homepage visual on the photographic
   right side, while HTML copy remains crisp and selectable.
   ========================================================= */
.hero__grid{width:100%;min-height:clamp(600px,72vh,760px);align-items:center}
.hero__markwrap{display:none!important}
.hero__sub{max-width:43ch}
.hero p.body{max-width:58ch}
.hero__strip{margin-top:0;background:rgba(16,42,67,.96);border:0;color:#fff;position:relative;z-index:2}
.hero__strip b,.hero__strip b + b{color:#fff}
.hero__strip em{color:#FFB020}

.pagehead{
  min-height:350px;
  background-size:cover!important;
  background-position:center right!important;
}
.pg-solutions .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.97) 0%,rgba(8,27,47,.86) 34%,rgba(8,27,47,.38) 64%,rgba(8,27,47,.12) 100%),url('backgrounds_hd/solutions-1920.webp') !important}
.pg-developers .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.97) 0%,rgba(8,27,47,.84) 34%,rgba(8,27,47,.36) 65%,rgba(8,27,47,.10) 100%),url('backgrounds_hd/developers-1920.webp') !important}
.pg-businesses .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.97) 0%,rgba(8,27,47,.84) 34%,rgba(8,27,47,.36) 65%,rgba(8,27,47,.10) 100%),url('backgrounds_hd/businesses-1920.webp') !important}
.pg-case-studies .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.97) 0%,rgba(8,27,47,.86) 34%,rgba(8,27,47,.40) 65%,rgba(8,27,47,.12) 100%),url('backgrounds_hd/case-studies-1920.webp') !important}
.pg-about .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.97) 0%,rgba(8,27,47,.84) 34%,rgba(8,27,47,.38) 65%,rgba(8,27,47,.10) 100%),url('backgrounds_hd/about-1920.webp') !important}
.pg-insights .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.97) 0%,rgba(8,27,47,.84) 34%,rgba(8,27,47,.38) 65%,rgba(8,27,47,.10) 100%),url('backgrounds_hd/insights-1920.webp') !important}
.pg-contact .pagehead{background-image:linear-gradient(90deg,rgba(8,27,47,.97) 0%,rgba(8,27,47,.78) 34%,rgba(8,27,47,.32) 65%,rgba(8,27,47,.08) 100%),url('backgrounds_hd/contact-1920.webp') !important}

@media(max-width:700px){
  .hero h1{max-width:14ch}
  .hero__strip{margin-top:0}
  .pagehead{min-height:360px;background-position:center!important}
  .pg-solutions .pagehead{background-image:linear-gradient(180deg,rgba(8,27,47,.92) 0%,rgba(8,27,47,.68) 52%,rgba(8,27,47,.34) 100%),url('backgrounds_hd/mobile/solutions-900.webp') !important}
  .pg-developers .pagehead{background-image:linear-gradient(180deg,rgba(8,27,47,.92) 0%,rgba(8,27,47,.66) 52%,rgba(8,27,47,.30) 100%),url('backgrounds_hd/mobile/developers-900.webp') !important}
  .pg-businesses .pagehead{background-image:linear-gradient(180deg,rgba(8,27,47,.92) 0%,rgba(8,27,47,.66) 52%,rgba(8,27,47,.30) 100%),url('backgrounds_hd/mobile/businesses-900.webp') !important}
  .pg-case-studies .pagehead{background-image:linear-gradient(180deg,rgba(8,27,47,.94) 0%,rgba(8,27,47,.70) 52%,rgba(8,27,47,.34) 100%),url('backgrounds_hd/mobile/case-studies-900.webp') !important}
  .pg-about .pagehead{background-image:linear-gradient(180deg,rgba(8,27,47,.94) 0%,rgba(8,27,47,.70) 52%,rgba(8,27,47,.30) 100%),url('backgrounds_hd/mobile/about-900.webp') !important}
  .pg-insights .pagehead{background-image:linear-gradient(180deg,rgba(8,27,47,.94) 0%,rgba(8,27,47,.70) 52%,rgba(8,27,47,.30) 100%),url('backgrounds_hd/mobile/insights-900.webp') !important}
  .pg-contact .pagehead{background-image:linear-gradient(180deg,rgba(8,27,47,.94) 0%,rgba(8,27,47,.64) 52%,rgba(8,27,47,.24) 100%),url('backgrounds_hd/mobile/contact-900.webp') !important}
}

/* =========================================================
   KFS v3 — HOME HERO, FOOTER & TYPE (supersedes earlier layers)
   - Hero plate is photo only; the service links are real HTML
   - Footer uses a Sea Link line-art SVG (crisp at any size)
   - Headings back on Bodoni Moda (real italic loaded), UI on Archivo
   ========================================================= */
:root{ --kfs-deep:#0B2033; --kfs-amber:#FFB020; }

/* ---- type: one serif for headings, one sans for everything else ---- */
.h-xl,.h-lg,.h-md{font-family:var(--display);font-optical-sizing:auto;font-weight:500}
.hero h1{font-family:var(--display);font-weight:500;letter-spacing:-.012em}
.hero h1 .q{font-style:italic;font-weight:500}
.hero__eyebrow{font-family:var(--display)!important;font-style:italic;font-weight:400!important;
  letter-spacing:0!important;text-transform:none;font-size:1.08rem}
.hero__sub{font-family:var(--sans);font-weight:400}
.btn{font-family:var(--sans);font-weight:600;letter-spacing:.005em}

/* ---- home hero ---- */
.home .hero{
  display:flex;flex-direction:column;justify-content:flex-end;
  min-height:clamp(640px,86vh,880px);
  padding:0;border-bottom:0;color:#fff;
  background-color:var(--kfs-deep)!important;
  background-image:
    linear-gradient(90deg,rgba(11,32,51,.95) 0%,rgba(11,32,51,.86) 30%,rgba(11,32,51,.45) 52%,rgba(11,32,51,.05) 74%),
    url('backgrounds_hd/home-1920.webp')!important;
  background-size:100% 100%,cover!important;
  background-position:center,62% top!important;
  background-repeat:no-repeat!important;
}
.home .hero__grid{display:flex;align-items:center;flex:1 1 auto;min-height:0}
.home .hero__copy{max-width:44rem;padding:88px 0 40px}
.home .hero h1{color:#fff;font-size:clamp(2.5rem,5vw,4.3rem);line-height:1.03;margin-bottom:24px;
  text-wrap:balance}
.home .hero h1 .q{color:var(--kfs-amber)}
.home .hero__eyebrow{color:var(--kfs-amber)!important;margin-bottom:18px}
.home .hero__sub{color:rgba(255,255,255,.86);font-size:clamp(1.08rem,1.5vw,1.24rem);line-height:1.5;max-width:38ch}
.home .hero__cta{margin-top:30px}
.home .hero__cta .btn--ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.42)}
.home .hero__cta .btn--ghost:hover{border-color:var(--kfs-amber);color:var(--kfs-amber)}

/* service links docked at the bottom of the hero (replaces the cards baked into the old image) */
.hero__svcwrap{position:relative;z-index:2;padding-bottom:44px}
.hero__svc{display:grid;grid-template-columns:1fr 1fr;max-width:760px;background:#fff;
  border-radius:12px;box-shadow:0 24px 50px -24px rgba(0,0,0,.55);overflow:hidden}
.hero__svc a{display:flex;align-items:center;gap:18px;padding:24px 26px;text-decoration:none;
  color:var(--kfs-navy);transition:background .18s}
.hero__svc a + a{border-left:1px solid #E3E8EF}
.hero__svc a:hover{background:#F6F8FB}
.hero__svc svg.ic{flex:0 0 40px;width:40px;height:40px;color:var(--kfs-orange)}
.hero__svc span{flex:1 1 auto;min-width:0}
.hero__svc b{display:block;font-family:var(--display);font-size:1.32rem;font-weight:600;line-height:1.15}
.hero__svc small{display:block;font-size:.9rem;color:#4A5B6E;margin-top:3px;line-height:1.35}
.hero__svc svg.go{flex:0 0 18px;width:18px;height:18px;color:var(--kfs-navy);transition:transform .18s}
.hero__svc a:hover svg.go{transform:translateX(3px)}

@media(max-width:900px){
  .home .hero{background-position:center,58% top!important}
  .home .hero__copy{padding-top:72px}
}
@media(max-width:700px){
  .home .hero{
    min-height:0;
    background-image:
      linear-gradient(180deg,rgba(11,32,51,.9) 0%,rgba(11,32,51,.78) 42%,rgba(11,32,51,.08) 64%,rgba(11,32,51,.2) 100%),
      url('backgrounds_hd/mobile/home-900.webp')!important;
    background-size:100% 100%,100% auto!important;
    background-position:center,center bottom 150px!important;
    padding-bottom:28px;
  }
  .home .hero__svcwrap{margin-top:66vw}
  .home .hero__copy{padding:48px 0 28px}
  .home .hero h1{max-width:none}
  .home .hero__cta{flex-direction:column;align-items:stretch}
  .hero__svcwrap{padding-bottom:0}
  .hero__svc{grid-template-columns:1fr}
  .hero__svc a + a{border-left:0;border-top:1px solid #E3E8EF}
  .hero__svc a{padding:18px 20px}
}

/* ---- footer ---- */
.foot{
  --band-soft:#A9B9CC;
  background-color:var(--kfs-deep)!important;
  background-image:
    linear-gradient(90deg,rgba(11,32,51,.97) 0%,rgba(11,32,51,.9) 42%,rgba(11,32,51,.45) 72%,rgba(11,32,51,.3) 100%),
    url('backgrounds_hd/footer-sealink.svg')!important;
  background-size:100% 100%,auto 100%!important;
  background-position:center,right bottom!important;
  background-repeat:no-repeat!important;
}
.foot h4{font-family:var(--sans);font-size:.8rem;font-weight:600;letter-spacing:.06em;color:var(--kfs-amber);margin-bottom:16px}
.foot a{color:#C3CFDD}
.foot a:hover{color:var(--kfs-amber)}
.foot__tag{font-family:var(--display);font-style:italic;font-weight:400;font-size:1.12rem;color:#F5C34D}
.foot__grid,.foot__bar{border-color:rgba(212,167,44,.24)}
.foot__legal,.foot__bar{color:var(--band-soft)}
@media(max-width:700px){
  .foot{background-image:
      linear-gradient(180deg,rgba(11,32,51,.96) 0%,rgba(11,32,51,.9) 60%,rgba(11,32,51,.55) 100%),
      url('backgrounds_hd/footer-sealink.svg')!important;
    background-position:center,72% bottom!important;background-size:100% 100%,auto 70%!important}
}

/* =========================================================
   KFS v4 — INNER PAGE HERO (.pghero)
   Shared by About, For Developers and For Businesses.
   Photo bleeds off the right edge and melts into the navy.
   Per-page framing via .pghero--about / --developers / --businesses.
   ========================================================= */
.pghero{position:relative;isolation:isolate;overflow:hidden;background:var(--kfs-deep);color:#fff}
.pghero__in{display:flex;align-items:center;min-height:clamp(540px,72vh,700px);padding-top:64px;padding-bottom:72px;position:relative;z-index:1}
.pghero__copy{max-width:min(35rem,50%)}
.pghero--about .pghero__copy{max-width:min(36rem,54%)}

.pghero .crumb,.pghero .crumb a{color:rgba(255,255,255,.62)}
.pghero .crumb a:hover{color:var(--kfs-amber)}
.pghero .crumb span{color:#fff}
.pghero__eyebrow{font-family:var(--display);font-style:italic;font-size:1.08rem;color:var(--kfs-amber);margin:0 0 18px}

.pghero h1{font-family:var(--display);font-optical-sizing:auto;font-weight:500;color:#fff;
  font-size:clamp(2.3rem,4.3vw,3.7rem);line-height:1.06;letter-spacing:-.012em;max-width:17ch;text-wrap:balance;margin:0}
.pghero__lede{margin:26px 0 0;max-width:46ch;font-size:clamp(1.02rem,1.35vw,1.14rem);line-height:1.62;color:rgba(255,255,255,.82)}
.pghero__cta{margin-top:32px}
.pghero .btn--ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4);border-radius:9px}
.pghero .btn--ghost:hover{border-color:var(--kfs-amber);color:var(--kfs-amber)}
.pghero .btn:focus-visible,.pghero__routes a:focus-visible{outline:2px solid var(--kfs-amber);outline-offset:3px}

/* photo */
.pghero__media{position:absolute;inset:0 0 0 46%;z-index:0;margin:0}
.pghero--about .pghero__media{left:42%}
.pghero__media img{display:block;width:100%;height:100%;object-fit:cover;object-position:var(--pos,50% 50%);
  animation:ph-settle 1.8s cubic-bezier(.2,.7,.2,1) both}
.pghero__media::after{content:"";position:absolute;inset:0;pointer-events:none;background:
  linear-gradient(90deg,var(--kfs-deep) 0%,rgba(11,32,51,.86) 8%,rgba(11,32,51,.5) 20%,rgba(11,32,51,.16) 36%,rgba(11,32,51,0) 56%),
  linear-gradient(0deg,rgba(11,32,51,.5) 0%,rgba(11,32,51,0) 28%)}
@keyframes ph-settle{from{opacity:0;transform:scale(1.06)}to{opacity:1;transform:none}}

/* About: headline as a signed note */
.pghero--about{--pos:20% 60%;--pos-m:34% 55%}
.pghero--about h1{font-size:clamp(2.4rem,4.6vw,4rem);line-height:1.04;max-width:12.5ch}
.pghero--about h1 span{display:block;text-wrap:balance}
.pghero--about h1 span + span{margin-top:.12em}
.pghero--about .pghero__lede{margin-top:30px}
.pghero__sig{display:flex;align-items:center;gap:16px;margin:26px 0 0;
  font-family:var(--display);font-style:italic;font-size:1.22rem;line-height:1.25;color:#F5C34D}
.pghero__sig::before{content:"";flex:0 0 48px;height:1px;background:linear-gradient(90deg,var(--kfs-orange),var(--kfs-gold))}
.pghero__sig small{display:block;margin-top:4px;font-family:var(--sans);font-style:normal;font-size:.84rem;color:rgba(255,255,255,.64)}

/* Developers / Businesses: direct routes into Solutions */
.pghero--developers{--pos:62% 45%;--pos-m:52% 40%}
.pghero--businesses{--pos:100% 45%;--pos-m:78% 45%}
.pghero__routes{margin-top:34px;padding-top:18px;border-top:1px solid rgba(212,167,44,.3)}
.pghero__routes p{font-family:var(--display);font-style:italic;font-size:1rem;color:rgba(255,255,255,.66);margin:0 0 12px}
.pghero__routes ol,.pghero__routes ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(var(--n,4),1fr)}
.pghero__routes li + li{border-left:1px solid rgba(255,255,255,.14)}
.pghero__routes a{display:block;height:100%;padding:6px 14px;color:#fff;text-decoration:none;font-size:.92rem;font-weight:600;line-height:1.3;transition:color .15s}
.pghero__routes li:first-child a{padding-left:0}
.pghero__routes a small{display:block;font-weight:400;font-size:.78rem;color:rgba(255,255,255,.58);margin-top:3px}
.pghero__routes a:hover{color:var(--kfs-amber)}
/* a real sequence on the developer page: stage numbers */
.pghero__routes ol{counter-reset:stage}
.pghero__routes ol a::before{counter-increment:stage;content:counter(stage);display:block;
  font-family:var(--display);font-style:italic;font-size:1.05rem;color:var(--kfs-amber);margin-bottom:2px}

#leadership{scroll-margin-top:90px}

/* stacked: photo on top, fading into the copy */
@media(max-width:899px){
  .pghero{display:flex;flex-direction:column}
  .pghero__media{position:relative;inset:auto;order:-1;aspect-ratio:16/10}
  .pghero__media img{object-position:var(--pos-m,50% 50%)}
  .pghero__media::after{background:linear-gradient(0deg,var(--kfs-deep) 0%,rgba(11,32,51,.35) 38%,rgba(11,32,51,0) 70%)}
  .pghero__in{min-height:0;margin-top:-56px;padding-top:0;padding-bottom:56px}
  .pghero__copy{max-width:none}
  .pghero--about h1{max-width:15ch}
}
@media(max-width:600px){
  .pghero__routes ol,.pghero__routes ul{grid-template-columns:1fr 1fr;row-gap:14px}
  .pghero__routes li:nth-child(odd){border-left:0}
  .pghero__routes li:nth-child(odd) a{padding-left:0}
}
@media(max-width:520px){
  .pghero__cta{flex-direction:column;align-items:stretch}
  .pghero__sig{font-size:1.1rem}
}

/* =========================================================
   KFS v5 — FOOTER (.foot--sky markup)
   Styles the newer footer: brand, quick links, solutions,
   contact with icons, legal nav. Sea Link line art sits in
   .foot__sky behind the content instead of the whole footer.
   Older pages still using the plain .foot markup are unaffected.
   ========================================================= */
.foot--sky{position:relative;isolation:isolate;overflow:hidden;padding-top:76px;
  background:var(--kfs-deep)!important;background-image:none!important}
.foot--sky::before{content:"";position:absolute;inset:0 0 auto;height:1px;
  background:linear-gradient(90deg,transparent,rgba(212,167,44,.55) 20%,rgba(255,176,32,.7) 50%,rgba(212,167,44,.55) 80%,transparent)}
.foot__sky{position:absolute;right:0;bottom:0;z-index:-1;width:min(980px,72%);height:62%;
  background:url('backgrounds_hd/footer-sealink.svg') right bottom/contain no-repeat;opacity:.22;
  -webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 45%);mask-image:linear-gradient(90deg,transparent 0%,#000 45%)}

.foot--sky .foot__grid{gap:44px 40px;padding-bottom:48px}
@media(min-width:640px){.foot--sky .foot__grid{grid-template-columns:1fr 1fr}}
@media(min-width:1040px){.foot--sky .foot__grid{grid-template-columns:1fr .62fr 1.62fr 1fr;gap:44px}}

/* brand */
.foot--sky .foot__logo{display:inline-block;background:#FBF9F4;border:0;border-radius:12px;padding:14px 18px;
  box-shadow:0 14px 30px -18px rgba(0,0,0,.6)}
.foot--sky .foot__logo img{display:block;width:196px;height:auto}
.foot__lines{margin:22px 0 0;max-width:34ch;font-size:.92rem;line-height:1.6;color:#A9B9CC}
.foot--sky .foot__tag{margin-top:18px;max-width:28ch;font-size:1.14rem;line-height:1.4}

/* headings + link lists */
.foot--sky h4{font-family:var(--display);font-style:italic;font-weight:500;font-size:1.08rem;letter-spacing:0;
  color:var(--kfs-amber);margin:0 0 18px;padding-bottom:12px;border-bottom:1px solid rgba(212,167,44,.22)}
.foot__links{list-style:none;margin:0;padding:0}
.foot__links li{margin:0 0 10px}
.foot__links a{font-size:.92rem;color:#C3CFDD;transition:color .15s}
.foot__links a:hover{color:var(--kfs-amber)}
@media(min-width:1040px){.foot__links--solutions{columns:2;column-gap:24px}.foot__links--solutions li{break-inside:avoid}}
@media(min-width:1200px){.foot__links--solutions a{white-space:nowrap}}

/* contact */
.foot__contact{list-style:none;margin:0;padding:0;display:grid;gap:18px}
.foot__contact li{display:flex;gap:14px;align-items:flex-start;margin:0;color:#E6ECF3;font-size:.95rem;line-height:1.4}
.foot__ico{flex:0 0 36px;width:36px;height:36px;display:grid;place-items:center;border-radius:50%;
  border:1px solid rgba(212,167,44,.4);color:var(--kfs-amber)}
.foot__contact li > span:last-child{padding-top:7px}
.foot__contact a{font-size:1.05rem;font-weight:600;color:#fff;letter-spacing:.01em}
.foot__contact a:hover{color:var(--kfs-amber)}
.foot__contact small{display:block;margin-top:3px;font-size:.8rem;color:#A9B9CC}

.foot__social{display:flex;gap:10px;margin-top:24px}
.foot__social a{width:42px;height:42px;display:grid;place-items:center;border-radius:50%;
  border:1px solid rgba(255,255,255,.22);color:#fff;transition:background .15s,border-color .15s,color .15s}
.foot__social a.is-wa:hover{background:#25D366;border-color:#25D366;color:#fff}
.foot__social a.is-li:hover{background:#0A66C2;border-color:#0A66C2;color:#fff}

/* legal + bottom bar */
.foot--sky .foot__legal{max-width:92ch;font-size:.78rem;color:#8FA2B8}
.foot--sky .foot__bar{align-items:center;font-size:.8rem;color:#8FA2B8}
.foot__bar nav{display:flex;flex-wrap:wrap;gap:6px 22px}
.foot__bar nav a{font-size:.8rem;color:#A9B9CC}
.foot__bar nav a:hover{color:var(--kfs-amber)}

.foot--sky a:focus-visible{outline:2px solid var(--kfs-amber);outline-offset:3px;border-radius:3px}

@media(max-width:639px){
  .foot--sky{padding-top:56px}
  .foot__sky{width:100%;height:34%;opacity:.16}
  .foot__links:not(.foot__links--solutions){columns:2;column-gap:24px}
  .foot--sky .foot__bar{flex-direction:column;align-items:flex-start}
}

/* ---- KFS v4 hero framing: Solutions, Case Studies, Insights, Contact ---- */
.pghero--solutions{--pos:62% 40%;--pos-m:60% 35%}
.pghero--case-studies{--pos:60% 55%;--pos-m:58% 60%}
.pghero--insights{--pos:62% 58%;--pos-m:60% 58%}
.pghero--contact{--pos:78% 42%;--pos-m:72% 40%}
.pghero + .soln-zone{padding-top:36px}
#get-started{scroll-margin-top:90px}

/* ---------- header: EMI calculator shortcut (all pages) ---------- */
.hdr__emi{display:inline-flex;align-items:center;justify-content:center;gap:6px;flex:0 0 auto;
  margin-left:auto;height:44px;min-width:44px;padding:0 11px;border-radius:9px;
  border:1.5px solid var(--kfs-blue);background:var(--kfs-blue-lt);color:var(--kfs-blue);
  font-family:var(--sans);font-size:.81rem;font-weight:700;letter-spacing:.01em;line-height:1;
  text-decoration:none;white-space:nowrap;transition:background .18s,color .18s,border-color .18s}
.hdr__emi svg{width:19px;height:19px;flex:0 0 19px}
.hdr__emi span{display:none}
.hdr__emi:hover{background:var(--kfs-blue);color:#fff}
.hdr__emi:focus-visible,.mnav__emi:focus-visible{outline:2px solid var(--kfs-orange);outline-offset:2px}
.hdr__emi ~ .burger{margin-left:0}
@media(min-width:1080px){.hdr__emi{margin-left:0;height:41px}}
@media(min-width:1160px){.hdr__emi{padding:0 12px}.hdr__emi .hdr__emi-s{display:inline}}
@media(min-width:1400px){
  .hdr__emi .hdr__emi-s{margin-right:-2px}
  .hdr .hdr__in{max-width:1340px}              /* a little extra width so the label fits beside the nav */
  .hdr__emi{padding:0 15px}.hdr__emi .hdr__emi-l{display:inline}
}

.mnav .mnav__emi{display:flex;align-items:center;justify-content:center;gap:10px;margin-top:18px;
  padding:15px 20px;border:1.5px solid var(--kfs-blue);border-radius:9px;background:var(--kfs-blue-lt);
  color:var(--kfs-blue);font-weight:700}
.mnav__emi svg{width:19px;height:19px}
.mnav .mnav__emi + .btn{margin-top:10px}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]) .hdr__emi,
  :root:not([data-theme="light"]) .mnav .mnav__emi{background:transparent;color:#8DB4FF;border-color:#8DB4FF}
  :root:not([data-theme="light"]) .hdr__emi:hover{background:#8DB4FF;color:#0b2033}
}
:root[data-theme="dark"] .hdr__emi,
:root[data-theme="dark"] .mnav .mnav__emi{background:transparent;color:#8DB4FF;border-color:#8DB4FF}
:root[data-theme="dark"] .hdr__emi:hover{background:#8DB4FF;color:#0b2033}
/* narrow desktops: win back the room the EMI icon takes */
@media(min-width:1080px) and (max-width:1339px){
  .hdr__in{gap:12px}
  .nav{gap:10px;margin:0 4px}
  .nav a{letter-spacing:.02em}
}