/* Capitara — "term sheet" system: deep ink header/hero, ruled ledgers, brass accent, mono for every figure */
:root{
  --bg:#f3f5f6; --paper:#ffffff; --ink:#0f2a3d; --ink-2:#3d5566; --muted:#5f7380;
  --line:#d6dee3; --accent:#9a6420; --accent-btn:#b8792a; --accent-ink:#ffffff; --accent-soft:#f6ead8;
  --deep:#0f2a3d; --deep-fg:#e9eff2; --deep-muted:#a9bcc8; --deep-line:#25475e; --brass:#d9a050;
  --good:#1f7a55; --good-soft:#e2f2ea; --warn:#8a5800; --warn-soft:#fbf0d9; --bad:#a83a32; --bad-soft:#f8e3e1;
  --display:"Young Serif", Georgia, "Times New Roman", serif;
  --body:"Figtree", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --mono:"JetBrains Mono", ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  --r:10px;
}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){
  --bg:#0c1820; --paper:#13232e; --ink:#e8eef1; --ink-2:#b7c6cf; --muted:#93a8b4;
  --line:#284050; --accent:#e0aa5c; --accent-btn:#d9a050; --accent-ink:#1a1206; --accent-soft:#2e2414;
  --deep:#081117; --deep-fg:#e8eef1; --deep-muted:#93a8b4; --deep-line:#1f3442;
  --good:#5cc495; --good-soft:#12301f; --warn:#e3b04f; --warn-soft:#33270c; --bad:#ec7f76; --bad-soft:#3a1714;
  color-scheme:dark}}
:root[data-theme="dark"]{
  --bg:#0c1820; --paper:#13232e; --ink:#e8eef1; --ink-2:#b7c6cf; --muted:#93a8b4;
  --line:#284050; --accent:#e0aa5c; --accent-btn:#d9a050; --accent-ink:#1a1206; --accent-soft:#2e2414;
  --deep:#081117; --deep-fg:#e8eef1; --deep-muted:#93a8b4; --deep-line:#1f3442;
  --good:#5cc495; --good-soft:#12301f; --warn:#e3b04f; --warn-soft:#33270c; --bad:#ec7f76; --bad-soft:#3a1714;
  color-scheme:dark}

*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--body);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto}
.wrap{max-width:1180px;margin:0 auto;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
h1,h2,h3{font-family:var(--display);font-weight:400;line-height:1.12;text-wrap:balance;margin:0}
p{margin:0}
a{color:inherit}
.num{font-family:var(--mono);font-variant-numeric:tabular-nums}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
.on-deep .eyebrow{color:var(--brass)}
:focus-visible{outline:2px solid var(--accent-btn);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:8px;background:var(--paper);color:var(--ink);padding:10px 14px;border-radius:8px;z-index:100}
.skip:focus{left:12px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* Header */
.top{position:sticky;top:0;z-index:50;background:var(--deep);color:var(--deep-fg);border-bottom:1px solid var(--deep-line)}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--deep-fg)}
.brand b{font-family:var(--display);font-weight:400;font-size:22px}
.nav{display:flex;align-items:center;gap:24px;font-size:14.5px}
.nav a{text-decoration:none;color:var(--deep-muted)}
.nav a:hover,.nav a[aria-current=page]{color:var(--deep-fg)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;padding:12px 22px;font:700 15px/1.1 var(--body);cursor:pointer;text-decoration:none;transition:transform .15s ease}
.btn-accent{background:var(--accent-btn);color:var(--accent-ink)}
.btn-accent:hover{transform:translateY(-1px)}
.btn-ghost{background:transparent;color:inherit;border:1px solid currentColor}
.nav .btn{padding:10px 18px;font-size:14px;color:var(--accent-ink)}
.menu{display:none}
@media (max-width:980px){
  .nav .lnk{display:none}
  .menu{display:block;position:relative}
  .menu summary{list-style:none;cursor:pointer;padding:8px 10px;border:1px solid var(--deep-line);border-radius:8px;font-size:14px}
  .menu summary::-webkit-details-marker{display:none}
  .menu[open] .menu-list{display:grid}
  .menu-list{position:absolute;right:0;top:calc(100% + 8px);background:var(--deep);border:1px solid var(--deep-line);border-radius:12px;padding:8px;min-width:240px;gap:2px}
  .menu-list a{padding:10px 12px;border-radius:8px;color:var(--deep-fg)}
  .menu-list a:hover{background:var(--deep-line)}
}
@media (max-width:420px){.nav>.btn{display:none}}

/* Hero (home + page heads) */
.hero{background:var(--deep);color:var(--deep-fg);position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;pointer-events:none;
  background-image:linear-gradient(var(--deep-line) 1px,transparent 1px),linear-gradient(90deg,var(--deep-line) 1px,transparent 1px);
  background-size:56px 56px;opacity:.35;-webkit-mask-image:linear-gradient(90deg,transparent 0%,#000 60%);mask-image:linear-gradient(90deg,transparent 0%,#000 60%)}
.hero>.wrap{position:relative;z-index:1}
.hero-home>.wrap{display:grid;grid-template-columns:1.05fr 1fr;gap:56px;padding-block:60px 72px;align-items:start}
@media (max-width:960px){.hero-home>.wrap{grid-template-columns:1fr;gap:32px;padding-block:36px 44px}}
.hero h1{font-size:clamp(38px,5.6vw,64px);letter-spacing:-.01em}
.hero h1 em{font-style:normal;color:var(--brass)}
.lede{margin-top:18px;font-size:18px;color:var(--deep-muted);max-width:36em}
.facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));margin-top:32px;border-top:1px solid var(--deep-line)}
.facts>div{padding:16px 16px 0 0;min-width:0}
.facts>div+div{padding-left:16px;border-left:1px solid var(--deep-line)}
.facts .v{font-family:var(--mono);font-size:clamp(17px,2.4vw,22px);font-weight:600}
.facts .k{font-size:13px;color:var(--deep-muted);margin-top:2px}
.ticks{list-style:none;padding:0;margin:26px 0 0;display:grid;gap:10px;font-size:15px}
.ticks li{display:flex;gap:10px;align-items:flex-start}
.ticks li::before{content:"";flex:none;width:14px;height:8px;margin-top:6px;border-left:2px solid var(--brass);border-bottom:2px solid var(--brass);transform:rotate(-45deg)}
.page-head>.wrap{padding-block:28px 56px}
.page-head h1{max-width:20ch;margin-top:12px}
.page-head .lede{max-width:40em}
.page-head .cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.crumbs{font-size:13px;color:var(--deep-muted);display:flex;flex-wrap:wrap;gap:6px;list-style:none;padding:0;margin:0 0 20px}
.crumbs li+li::before{content:"/";margin-right:6px;opacity:.6}
.crumbs a{text-decoration:none}
.crumbs a:hover{color:var(--deep-fg)}

/* Deal check */
.card{background:var(--paper);color:var(--ink);border-radius:16px;box-shadow:0 30px 60px -30px rgba(0,0,0,.45);overflow:hidden;min-width:0}
.card.flat{box-shadow:none;border:1px solid var(--line)}
.card-head{padding:20px 24px 16px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap}
.card-head h2{font-size:24px}
.card-head span{font-size:13px;color:var(--muted)}
.card-body{padding:20px 24px 24px;display:grid;gap:16px}
.field{display:grid;gap:6px;min-width:0}
.field>label,.legend{font-size:13px;font-weight:600;color:var(--ink-2)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:460px){.row2{grid-template-columns:1fr}}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:500 16px/1.3 var(--body);color:var(--ink);background:var(--bg);border:1px solid var(--line);border-radius:var(--r);padding:12px;min-width:0}
input:focus,select:focus,textarea:focus{outline:2px solid var(--accent-btn);outline-offset:0;border-color:transparent}
.money{position:relative}
.money span{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-family:var(--mono)}
.money input{padding-left:28px;font-family:var(--mono)}
.chips{display:flex;flex-wrap:wrap;gap:8px;border:0;padding:0;margin:0}
.chips input{position:absolute;opacity:0;pointer-events:none}
.chips label{font-size:14px;font-weight:500;padding:8px 13px;border:1px solid var(--line);border-radius:999px;cursor:pointer;background:var(--paper);color:var(--ink-2);user-select:none}
.chips input:checked+label{background:var(--ink);color:var(--paper);border-color:var(--ink)}
.chips input:focus-visible+label{outline:2px solid var(--accent-btn);outline-offset:2px}
.hide{display:none!important}
.result{border-top:1px solid var(--line);padding:20px 24px 24px;display:grid;gap:16px;background:var(--bg)}
.verdict{display:flex;gap:12px;align-items:flex-start;padding:14px 16px;border-radius:var(--r)}
.verdict b{display:block;font-size:16px}
.verdict p{font-size:14px;color:var(--ink-2);margin-top:2px}
.verdict .dot{flex:none;width:10px;height:10px;border-radius:50%;margin-top:6px}
.v-good{background:var(--good-soft)} .v-good .dot{background:var(--good)} .v-good b{color:var(--good)}
.v-warn{background:var(--warn-soft)} .v-warn .dot{background:var(--warn)} .v-warn b{color:var(--warn)}
.v-bad{background:var(--bad-soft)} .v-bad .dot{background:var(--bad)} .v-bad b{color:var(--bad)}
.v-idle{background:var(--paper);border:1px dashed var(--line)} .v-idle .dot{background:var(--muted)}
.ltv{display:grid;gap:8px}
.ltv-top{display:flex;justify-content:space-between;font-size:13px;color:var(--ink-2)}
.bar{position:relative;height:10px;border-radius:6px;background:var(--line)}
.bar i{position:absolute;left:0;top:0;bottom:0;border-radius:6px;background:var(--ink);transition:width .35s ease}
.bar u{position:absolute;top:-5px;bottom:-5px;width:2px;background:var(--accent-btn)}
.bar-scale{display:flex;justify-content:space-between;font-family:var(--mono);font-size:11px;color:var(--muted)}
.sheet{display:grid;grid-template-columns:1fr auto;border-top:1px solid var(--line);margin:0}
.sheet dt,.sheet dd{margin:0;padding:9px 0;border-bottom:1px solid var(--line);font-size:14px}
.sheet dt{color:var(--ink-2)}
.sheet dd{text-align:right;font-family:var(--mono);font-variant-numeric:tabular-nums;font-weight:600}
.fine{font-size:12px;color:var(--muted);line-height:1.5}

/* Sections */
section.s{padding-block:84px}
section.s.tight{padding-top:0}
@media (max-width:700px){section.s{padding-block:56px}}
.sec-head{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:end;margin-bottom:40px}
@media (max-width:800px){.sec-head{grid-template-columns:1fr;gap:12px}}
.sec-head h2{font-size:clamp(30px,4vw,46px);margin-top:10px}
.sec-head p{color:var(--ink-2);font-size:17px;max-width:36em}
.ledger{border-top:2px solid var(--ink)}
.prod{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,1.6fr) minmax(0,.9fr) auto;gap:24px;align-items:center;padding:22px 0;border-bottom:1px solid var(--line);text-decoration:none}
.prod h3{font-size:22px}
.prod .use{font-size:13px;color:var(--muted);margin-top:4px}
.prod p{font-size:15px;color:var(--ink-2)}
.prod .terms{display:flex;flex-wrap:wrap;gap:6px}
.prod .go{font-size:14px;font-weight:700;color:var(--accent);white-space:nowrap}
.prod:hover h3{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:4px}
@media (max-width:860px){.prod{grid-template-columns:1fr;gap:10px}}
.tag{font-family:var(--mono);font-size:12px;padding:4px 8px;border-radius:6px;background:var(--bg);border:1px solid var(--line);white-space:nowrap}
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:2px solid var(--ink)}
.step{padding:22px 22px 0 0;min-width:0}
.step+.step{padding-left:22px;border-left:1px solid var(--line)}
.step .n{font-family:var(--mono);font-size:13px;color:var(--accent);font-weight:600}
.step h3{font-size:21px;margin:10px 0 8px}
.step p{font-size:15px;color:var(--ink-2)}
.step .when{margin-top:14px;font-family:var(--mono);font-size:12px;color:var(--muted)}
@media (max-width:860px){.steps{grid-template-columns:1fr 1fr;row-gap:28px}.step:nth-child(3){padding-left:0;border-left:0}}
@media (max-width:520px){.steps{grid-template-columns:1fr}.step{padding-left:0!important;border-left:0!important}}
.band{background:var(--deep);color:var(--deep-fg)}
.band .sec-head p{color:var(--deep-muted)}
.crit{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));border-top:1px solid var(--deep-line)}
.crit>div{padding:22px 18px 22px 0;border-bottom:1px solid var(--deep-line);min-width:0}
.crit>div:not(:nth-child(4n+1)){padding-left:18px;border-left:1px solid var(--deep-line)}
.crit .v{font-family:var(--mono);font-size:24px;font-weight:600}
.crit .k{font-size:14px;color:var(--deep-muted);margin-top:4px}
@media (max-width:860px){.crit{grid-template-columns:1fr 1fr}.crit>div{padding-left:18px!important;border-left:0!important}.crit>div:nth-child(odd){padding-left:0!important}.crit>div:nth-child(even){border-left:1px solid var(--deep-line)!important}}
.who{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin-top:44px}
.who h3{font-size:22px;margin-bottom:14px}
.who ul{list-style:none;padding:0;margin:0;display:grid;gap:10px;font-size:15px}
.who li{display:flex;gap:10px}
.who li::before{content:"";flex:none;width:6px;height:6px;margin-top:9px;background:var(--brass);border-radius:1px}
.who .no li{color:var(--deep-muted)} .who .no li::before{background:var(--deep-muted)}
@media (max-width:760px){.who{grid-template-columns:1fr}}
.cases{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
@media (max-width:900px){.cases{grid-template-columns:1fr}}
.case{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:24px;display:grid;gap:14px;align-content:start}
.case .type{font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.case h3{font-size:21px}
.case p{font-size:15px;color:var(--ink-2)}
.case dl{display:grid;grid-template-columns:1fr auto;margin:0;border-top:1px solid var(--line)}
.case dt,.case dd{margin:0;padding:8px 0;border-bottom:1px solid var(--line);font-size:14px}
.case dt{color:var(--muted)}
.case dd{text-align:right;font-family:var(--mono);font-weight:600}
.note{margin-top:18px;font-size:13px;color:var(--muted)}
.faq{border-top:2px solid var(--ink);max-width:860px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:20px 40px 20px 0;font-size:18px;font-weight:600;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:16px;font:400 26px/1 var(--mono);color:var(--accent)}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 0 20px;color:var(--ink-2);max-width:66ch}

/* Article / product body */
.doc{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;align-items:start;padding-block:56px 24px}
@media (max-width:980px){.doc{grid-template-columns:1fr;gap:32px}}
.prose{max-width:68ch;min-width:0}
.prose h2{font-size:clamp(26px,3vw,34px);margin:48px 0 14px}
.prose h2:first-child{margin-top:0}
.prose h3{font-family:var(--body);font-weight:700;font-size:19px;margin:28px 0 8px}
.prose p,.prose ul,.prose ol{color:var(--ink-2);font-size:17px;margin:0 0 16px}
.prose li{margin-bottom:6px}
.prose a{color:var(--accent);text-underline-offset:3px}
.prose strong{color:var(--ink)}
.prose .table{overflow-x:auto;margin:8px 0 24px;border-top:2px solid var(--ink)}
.prose table{width:100%;border-collapse:collapse;font-size:15px}
.prose th,.prose td{text-align:left;padding:11px 12px 11px 0;border-bottom:1px solid var(--line);vertical-align:top}
.prose th{font-weight:600;color:var(--ink)}
.prose td.n{font-family:var(--mono);font-variant-numeric:tabular-nums;white-space:nowrap}
.callout{background:var(--accent-soft);border-radius:12px;padding:18px 20px;margin:8px 0 24px}
.callout p{margin:0;color:var(--ink)}
.aside{position:sticky;top:84px;display:grid;gap:16px}
@media (max-width:980px){.aside{position:static}}
.keybox{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:20px}
.keybox h2{font-family:var(--body);font-size:13px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:8px}
.keybox dl{display:grid;grid-template-columns:1fr auto;margin:0}
.keybox dt,.keybox dd{margin:0;padding:9px 0;border-bottom:1px solid var(--line);font-size:14px}
.keybox dt{color:var(--ink-2)}
.keybox dd{text-align:right;font-family:var(--mono);font-weight:600}
.keybox .btn{width:100%;margin-top:16px}
.keybox .fine{margin-top:12px}
.toc{list-style:none;padding:0;margin:0;display:grid;gap:8px;font-size:14.5px}
.toc a{text-decoration:none;color:var(--ink-2)}
.toc a:hover{color:var(--accent)}
.related{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
@media (max-width:860px){.related{grid-template-columns:1fr}}
.related a{display:grid;gap:6px;padding:20px;background:var(--paper);border:1px solid var(--line);border-radius:12px;text-decoration:none}
.related a b{font-family:var(--display);font-weight:400;font-size:20px}
.related a span{font-size:14px;color:var(--ink-2)}
.related a:hover b{color:var(--accent)}
.byline{font-size:13px;color:var(--deep-muted);margin-top:16px}

/* Enquiry */
.enq-wrap{background:var(--paper);border-top:1px solid var(--line)}
.enq{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
@media (max-width:960px){.enq{grid-template-columns:1fr;gap:32px}}
.enq-side h2{font-size:clamp(30px,4vw,46px);margin-top:10px}
.enq-side>p{color:var(--ink-2);margin-top:16px;font-size:17px}
.promise{margin-top:28px;display:grid;gap:14px}
.promise div{display:grid;grid-template-columns:auto 1fr;gap:14px;align-items:start}
.promise .num{font-size:13px;color:var(--accent);font-weight:600;padding-top:2px}
.promise b{display:block}
.promise span{font-size:14.5px;color:var(--ink-2)}
.contact-line{margin-top:28px;padding-top:20px;border-top:1px solid var(--line);font-size:15px;color:var(--ink-2)}
.contact-line a{color:var(--ink);font-family:var(--mono)}
.form{background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:28px;display:grid;gap:18px;min-width:0}
@media (max-width:460px){.form{padding:20px}}
.prefill{display:flex;justify-content:space-between;gap:12px;align-items:center;flex-wrap:wrap;padding:12px 14px;border-radius:var(--r);background:var(--accent-soft);font-size:14px}
.prefill b{font-family:var(--mono)}
.check{display:flex;gap:10px;align-items:flex-start;font-size:13.5px;color:var(--ink-2)}
.check input{margin-top:3px;width:18px;height:18px;accent-color:var(--accent-btn);flex:none}
.err{color:var(--bad);font-size:13.5px;font-weight:600}
.form-reg{font-size:12.5px;color:var(--muted);line-height:1.5;border-top:1px solid var(--line);padding-top:14px}
.form-reg b{color:var(--ink-2)}
.done h3{font-size:28px}
.done .ref{font-family:var(--mono);font-size:14px;padding:10px 12px;background:var(--paper);border-radius:8px;display:inline-block}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* Footer */
footer{background:var(--deep);color:var(--deep-muted);font-size:14px}
footer .wrap{padding-block:52px 40px;display:grid;gap:32px}
.foot-cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
@media (max-width:860px){.foot-cols{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.foot-cols{grid-template-columns:1fr}}
.foot-cols h2{font-family:var(--body);font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--deep-fg);margin-bottom:12px}
.foot-cols ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.foot-cols a{text-decoration:none}
.foot-cols a:hover{color:var(--deep-fg)}
.foot-cols p{margin-top:12px;max-width:30ch}
.reg-notice{border:1px solid var(--brass);border-radius:12px;padding:16px 18px;display:grid;gap:6px;max-width:90ch}
.reg-notice b{color:var(--deep-fg);font-size:15px}
.legal{display:grid;gap:10px;max-width:90ch;line-height:1.6;border-top:1px solid var(--deep-line);padding-top:24px;font-size:13.5px}
.legal strong{color:var(--deep-fg);font-weight:600}
.mcta{display:none}
@media (max-width:700px){
  .mcta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:40;gap:10px;background:var(--paper);border-top:1px solid var(--line);
    padding:10px max(16px,env(safe-area-inset-right,0px)) calc(10px + env(safe-area-inset-bottom,0px)) max(16px,env(safe-area-inset-left,0px))}
  .mcta .btn{flex:1;padding:14px}
  .mcta .btn-ghost{color:var(--ink);border-color:var(--line)}
  footer{padding-bottom:76px}
}
.e404{padding-block:96px;display:grid;gap:18px;max-width:40em}
.e404 h1{font-size:clamp(36px,5vw,56px)}