/* ==========================================================================
   SP & SP Services (spandsp.com) · main.css
   Design system per _brief/BRAND-SYSTEMS.md §2 (shared) + §4 (SP & SP).
   One file for every page. Mobile-first. Breakpoints: 600 · 900 · 1200px.
   Usage guide with copy-paste markup: spandsp.com/_work/COMPONENTS.md

   COMPONENT INDEX (class → what it is)
   01 Tokens ........ :root raw palette (--ss-*), type, space, motion, shape
   02 Themes ........ .t-light · .t-mist · .t-navy (put exactly one on each band)
   03 Base .......... reset, links, focus ring, .vh, .skip-link, [hidden]
   04 Layout ........ .container(--wide|--narrow) · .section(--tight|--flush-top)
                      .section-head(--split|--center) · .grid(--2|--3|--4) · .split · .stack · .actions
   05 Type .......... .eyebrow(+__rule) · .h1-.h4 · .lead · .muted · .mono · .small · .hl · .kicker · .prose
   06 Icons ......... .icon(--sm|--xs|--lg) (sprite <use href="#i-name">) · .icon-tile(--teal|--lg)
   07 Buttons ....... .btn + --cta (marigold, once per view) | --primary | --secondary | --sm | --lg | --block
                      .link-arrow · .ext (external link icon)
   08 Chips/tags .... .chip (link/button chip) · .chip-list · .chip-opt (radio/checkbox chip) · .tag
   09 Cards ......... .card(--hover|--flat|--lead) · .card__title|__text|__foot · .stretched
                      .pillar(--lead) · .checklist(--2col) · .handoff · .audience
   10 Lists ......... .catalogue · .facts · .models · .rail · .info-list · .product-list
   11 Steps ......... .steps (vertical) .steps--h (horizontal ≥900px) · .step__num|__title|__text
   12 Callout ....... .callout (loan disclaimer: navy left rule) · --teal · --compact
   13 FAQ ........... .faq-group · .faq (details/summary) · .faq__icon · .faq__body
   14 Forms ......... .form-panel · .form · .form__grid · .field(--full) · .label · .req · .opt · .hint
                      .input · .select · .textarea · .check · .chips-field · .cond (conditional fieldset)
                      .form__status · .form-success · .btn__spinner · .hp (honeypot)
   15 Page chrome ... .fraud-strip · .site-header · .brand · .nav · .menu-btn · .header-cta
                      .breadcrumb · .page-hero · .hero · .picker · .trust · .laurel
                      .cta-band + .cta-panel · .group-panel · .brand-cards · .founder
                      .site-footer · .grievance · .status-page · .table-wrap + .table
   15b Inner pages .. .toc (+ .page-hero--toc) · .card.t-navy · .kv · .doc-group · .ledger · .clauses
                      .doc-layout + .doc-nav + .doc-section · .callout[lang="hi"] · .step__link
   15c Stage 3 ...... .svc-list > .svc (IT service sheet) · .chip--static · .chip-list--lg · .paths > .path · .pull
                      .ask-panel · .facts--4 · .grid--kv-foot · .card--fit · .callout--split · .ledger + .where
   16 SP Group strip  .sp-strip (verbatim from _source/shared/sp-strip.css; do not theme)
   17 Motion ........ [data-reveal] · [data-reveal-group] · reduced-motion policy
   18 Print
   ========================================================================== */

/* ---------- 01 · Fonts (self-hosted, @fontsource 5.3.0) ---------- */
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:200 800;font-display:swap;
  src:url("/assets/fonts/plus-jakarta-sans-latin-wght-normal.woff2") format("woff2");
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:200 800;font-display:swap;
  src:url("/assets/fonts/plus-jakarta-sans-latin-ext-wght-normal.woff2") format("woff2");
  unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
@font-face{font-family:"Geist Mono";font-style:normal;font-weight:100 900;font-display:swap;
  src:url("/assets/fonts/geist-mono-latin-wght-normal.woff2") format("woff2");
  unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"Geist Mono";font-style:normal;font-weight:100 900;font-display:swap;
  src:url("/assets/fonts/geist-mono-latin-ext-wght-normal.woff2") format("woff2");
  unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
/* Hindi summaries only (/loans/, /disclaimer/): downloads only when Devanagari text is on the page */
@font-face{font-family:"Noto Sans Devanagari";font-style:normal;font-weight:100 900;font-display:swap;
  src:url("/assets/fonts/noto-sans-devanagari-devanagari-wght-normal.woff2") format("woff2");
  unicode-range:U+0900-097F,U+1CD0-1CF9,U+200C-200D,U+20A8,U+20B9,U+20F0,U+25CC,U+A830-A839,U+A8E0-A8FF,U+11B00-11B09}
/* Metric-matched fallbacks (BRAND-SYSTEMS §2.4, §4.6): no layout shift on swap */
@font-face{font-family:"Plus Jakarta Sans Fallback";src:local("Arial");size-adjust:103.83%;ascent-override:99.97%;descent-override:21.38%;line-gap-override:0%}
@font-face{font-family:"Geist Mono Fallback";src:local("Courier New");size-adjust:99.98%;ascent-override:100.52%;descent-override:29.5%;line-gap-override:0%}

/* ---------- 01 · Tokens ---------- */
:root{
  /* SP & SP raw palette (BRAND-SYSTEMS §4.2). Components never use these directly except where noted. */
  --ss-navy:#0F3A52; --ss-navy-900:#043145; --ss-navy-600:#16506F;
  --ss-teal:#0B7A75; --ss-teal-300:#3FC1B0;
  --ss-marigold:#F4A93B; --ss-marigold-300:#F7BC62; --ss-marigold-600:#E8962A; --ss-marigold-ink:#A35F00;
  --ss-white:#FFFFFF; --ss-mist:#F3F7F9; --ss-ink:#0D1F2B; --ss-slate:#4F6475;
  --ss-line:#D6E0E6; --ss-line-strong:#6F8595;
  --ss-fog:#A9C0CE; --ss-line-navy:#1E4A63; --ss-chip-navy:#7E9CB0;
  --ss-ok:#1A7F37; --ss-warn:#A65F00; --ss-err:#C0362C; --ss-info:#1B64B3;

  /* Type (§4.6) */
  --font-text:"Plus Jakarta Sans","Plus Jakarta Sans Fallback","Noto Sans Devanagari",Arial,system-ui,sans-serif;
  --font-mono:"Geist Mono","Geist Mono Fallback","Courier New",monospace;
  --fs-hero: clamp(2.25rem, 1.6667rem + 2.5926vw, 4rem);
  --fs-page: clamp(2rem, 1.5833rem + 1.8519vw, 3.25rem);      /* inner-page H1 (32 → 52px) */
  --fs-h2:   clamp(1.75rem, 1.4167rem + 1.4815vw, 2.75rem);
  --fs-h3:   clamp(1.25rem, 1.1667rem + 0.3704vw, 1.5rem);
  --fs-stat: clamp(1.75rem, 1.5rem + 1.1111vw, 2.5rem);
  --fs-h4:   clamp(1.0625rem, 1.0417rem + 0.0926vw, 1.125rem);
  --fs-lead: clamp(1.0625rem, 1rem + 0.2778vw, 1.25rem);
  --fs-body: clamp(1rem, 0.9792rem + 0.0926vw, 1.0625rem);
  --fs-label:clamp(0.9375rem, 0.9167rem + 0.0926vw, 1rem);
  --fs-small:clamp(0.875rem, 0.8542rem + 0.0926vw, 0.9375rem);
  --fs-mono: clamp(0.75rem, 0.7292rem + 0.0926vw, 0.8125rem);

  /* Space (§2.2) */
  --s-1:4px; --s-2:8px; --s-3:12px; --s-4:16px; --s-5:24px;
  --s-6:32px; --s-7:48px; --s-8:64px; --s-9:96px; --s-10:128px;
  --gutter: clamp(1rem, 0.5rem + 2.2222vw, 2.5rem);
  --grid-gap: clamp(16px, 2vw, 24px);
  --section-y: clamp(3.5rem, 2.5rem + 4.4444vw, 6.5rem);
  --container:1200px; --container-wide:1320px; --container-narrow:760px;
  --header-h:64px;

  /* Shape (§4.7) */
  --radius-sm:6px; --radius:10px; --radius-lg:16px; --radius-pill:999px;
  --shadow-1:0 1px 2px rgb(13 31 43 / .06), 0 4px 12px -4px rgb(13 31 43 / .08);
  --shadow-2:0 2px 4px rgb(13 31 43 / .06), 0 16px 32px -12px rgb(15 58 82 / .22);
  --card-pad:20px;

  /* Motion (§2.5, §4.8) */
  --ease-out:cubic-bezier(.22,1,.36,1); --ease-in-out:cubic-bezier(.65,0,.35,1); --ease-standard:cubic-bezier(.2,0,0,1);
  --dur-1:120ms; --dur-2:200ms; --dur-3:320ms;
  --dur-reveal:360ms; --reveal-y:8px;
}
@media (min-width:600px){ :root{ --card-pad:28px; } }
@media (min-width:900px){ :root{ --header-h:72px; } }

/* ---------- 02 · Themes (one per band; §4.2) ---------- */
.t-light, .t-mist{ color-scheme:light;
  --bg:var(--ss-white); --surface:var(--ss-white); --surface-2:var(--ss-mist);
  --text:var(--ss-ink); --heading:var(--ss-navy); --muted:var(--ss-slate);
  --line:var(--ss-line); --line-strong:var(--ss-line-strong); --rule:var(--ss-marigold);
  --accent:var(--ss-marigold-ink); --eyebrow:var(--ss-teal);
  --link:var(--ss-teal); --link-hover:var(--ss-navy);
  --btn-bg:var(--ss-navy); --btn-fg:var(--ss-white); --btn-bg-hover:var(--ss-navy-600); --btn-bg-active:var(--ss-navy-900);
  --cta-bg:var(--ss-marigold); --cta-fg:var(--ss-navy); --cta-bg-hover:var(--ss-marigold-300); --cta-bg-active:var(--ss-marigold-600);
  --btn2-fg:var(--ss-navy); --btn2-border:var(--ss-navy); --btn2-bg-hover:var(--ss-mist); --btn2-fg-hover:var(--ss-navy);
  --field-bg:var(--ss-white); --field-border:var(--ss-line-strong); --placeholder:var(--ss-slate);
  --focus:var(--ss-teal);
  --ok:var(--ss-ok); --warn:var(--ss-warn); --err:var(--ss-err); --info:var(--ss-info);
  /* component tokens */
  --icon:var(--ss-navy); --icon-accent:var(--ss-teal); --tile-bg:var(--surface-2); --callout-bg:var(--surface-2);
  --chip-bg:var(--ss-white); --chip-fg:var(--ss-navy); --chip-border:var(--ss-line-strong); --chip-hover:var(--ss-mist);
  --chip-sel-bg:var(--ss-navy); --chip-sel-fg:var(--ss-white);
  --step-bg:var(--ss-navy); --step-fg:var(--ss-white); --step-line:var(--ss-teal);
  --card-shadow:var(--shadow-1); --card-shadow-hover:var(--shadow-2);
}
.t-mist{ --bg:var(--ss-mist); --surface:var(--ss-white); --surface-2:var(--ss-white); --btn2-bg-hover:var(--ss-white); }
/* Header, hero, trust strip, footer, navy panels. No form fields on this theme. */
.t-navy{ color-scheme:dark;
  --bg:var(--ss-navy-900); --surface:var(--ss-navy); --surface-2:var(--ss-navy);
  --text:var(--ss-white); --heading:var(--ss-white); --muted:var(--ss-fog);
  --line:var(--ss-line-navy); --line-strong:var(--ss-chip-navy); --rule:var(--ss-marigold);
  --accent:var(--ss-marigold); --eyebrow:var(--ss-marigold);
  --link:var(--ss-teal-300); --link-hover:var(--ss-white);
  --btn-bg:var(--ss-marigold); --btn-fg:var(--ss-navy); --btn-bg-hover:var(--ss-marigold-300); --btn-bg-active:var(--ss-marigold-600);
  --cta-bg:var(--ss-marigold); --cta-fg:var(--ss-navy); --cta-bg-hover:var(--ss-marigold-300); --cta-bg-active:var(--ss-marigold-600);
  --btn2-fg:var(--ss-white); --btn2-border:var(--ss-white); --btn2-bg-hover:var(--ss-white); --btn2-fg-hover:var(--ss-navy-900);
  --focus:var(--ss-marigold);
  --icon:var(--ss-teal-300); --icon-accent:var(--ss-teal-300); --tile-bg:var(--ss-navy); --callout-bg:var(--ss-mist);
  --chip-bg:transparent; --chip-fg:var(--ss-white); --chip-border:var(--ss-chip-navy); --chip-hover:rgb(255 255 255 / .08);
  --chip-sel-bg:var(--ss-white); --chip-sel-fg:var(--ss-navy-900);
  --step-bg:var(--ss-white); --step-fg:var(--ss-navy-900); --step-line:var(--ss-teal-300);
  --card-shadow:none; --card-shadow-hover:none;
}
.t-light, .t-mist, .t-navy{ background:var(--bg); color:var(--text); }

/* ---------- 03 · Base ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;text-size-adjust:100%;font-synthesis:none;font-kerning:normal;
  scroll-padding-top:calc(var(--header-h) + 16px);-webkit-tap-highlight-color:transparent}
body{margin:0;min-height:100vh;font-family:var(--font-text);font-size:var(--fs-body);line-height:1.6;
  text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;overflow-x:clip}
img,svg,picture,video{display:block;max-width:100%}
img{height:auto}
h1,h2,h3,h4,h5,h6{margin:0;color:var(--heading);text-wrap:balance}
p,ul,ol,dl,figure,blockquote{margin:0}
p,li,dd{text-wrap:pretty}
ul[role="list"],ol[role="list"]{list-style:none;padding:0}
strong,b{font-weight:700}
small{font-size:var(--fs-small)}
button,input,select,textarea{font:inherit;color:inherit}
button{cursor:pointer}
address{font-style:normal}
hr{border:0;border-top:1px solid var(--line);margin:var(--s-7) 0}
a{color:var(--link);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:.2em;
  transition:color var(--dur-1) var(--ease-standard),text-decoration-color var(--dur-1) var(--ease-standard)}
a:hover{color:var(--link-hover)}
:focus-visible{outline:2px solid var(--focus);outline-offset:2px}
::selection{background:var(--ss-navy);color:var(--ss-white)}
[hidden]{display:none!important}
[tabindex="-1"]:focus{outline:none}
.vh{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-link{position:absolute;left:var(--s-4);top:-100px;z-index:100;display:inline-flex;align-items:center;min-height:48px;padding:0 22px;
  border-radius:var(--radius);background:var(--ss-navy);color:var(--ss-white);font-weight:700;text-decoration:none}
.skip-link:focus{top:var(--s-3);outline:2px solid var(--ss-teal);outline-offset:2px;color:var(--ss-white)}

/* ---------- 04 · Layout ---------- */
.container{width:100%;max-width:calc(var(--container) + 2 * var(--gutter));margin-inline:auto;padding-inline:var(--gutter)}
.container--wide{max-width:calc(var(--container-wide) + 2 * var(--gutter))}
.container--narrow{max-width:calc(var(--container-narrow) + 2 * var(--gutter))}
.section{position:relative;padding-block:var(--section-y)}
.section--tight{padding-block:calc(var(--section-y) * .6)}
.section--flush-top{padding-top:0}
.section-head{display:grid;gap:var(--s-4);margin-bottom:var(--s-7);max-width:52rem}
.section-head > .eyebrow{margin-bottom:0}
.section-head h2{font-size:var(--fs-h2)}
.section-head__aside{display:grid;gap:var(--s-4);justify-items:start}
.section-head--flush{margin-bottom:0}
.section-head--center{margin-inline:auto;text-align:center;justify-items:center}
.section-head--center .eyebrow{justify-content:center}
@media (min-width:900px){
  .section-head--split{max-width:none;grid-template-columns:minmax(0,1.1fr) minmax(0,1fr);column-gap:var(--s-8);align-items:start}
  .section-head--split > .eyebrow{grid-column:1 / -1}
  .section-head--split .section-head__aside{align-self:end;padding-bottom:6px}
}
.grid{display:grid;gap:var(--grid-gap);grid-template-columns:minmax(0,1fr)}
@media (min-width:600px){ .grid--2,.grid--3,.grid--4{grid-template-columns:repeat(2,minmax(0,1fr))} }
@media (min-width:1200px){ .grid--3{grid-template-columns:repeat(3,minmax(0,1fr))} .grid--4{grid-template-columns:repeat(4,minmax(0,1fr))} }
.split{display:grid;gap:var(--s-7);grid-template-columns:minmax(0,1fr)}
@media (min-width:900px){
  .split{grid-template-columns:repeat(12,minmax(0,1fr));column-gap:clamp(24px, 3.5vw, 56px)}
  .split > :first-child{grid-column:1 / span 6}
  .split > :last-child{grid-column:7 / -1}
  .split--5-7 > :first-child{grid-column:1 / span 5} .split--5-7 > :last-child{grid-column:6 / -1}
  .split--7-5 > :first-child{grid-column:1 / span 7} .split--7-5 > :last-child{grid-column:8 / -1}
  .split--gap > :last-child{grid-column-start:8}
  .split--5-7.split--gap > :last-child{grid-column-start:7}
}
.stack{display:grid;gap:var(--s-4);align-content:start}
.stack--lg{gap:var(--s-6)}
.actions{display:flex;flex-wrap:wrap;gap:var(--s-3);align-items:center}
.actions--top{margin-top:var(--s-6)}
@media (max-width:599.98px){ .actions > .btn{flex:1 1 auto} }
.center{text-align:center}

/* ---------- 05 · Type ---------- */
.eyebrow{display:flex;align-items:center;gap:var(--s-3);margin:0 0 var(--s-4);font:500 var(--fs-mono)/1.2 var(--font-mono);
  letter-spacing:.12em;text-transform:uppercase;color:var(--eyebrow)}
.eyebrow__rule{flex:none;width:24px;height:1px;background:var(--rule);transform-origin:left}
.h1,.hero__title{font-size:var(--fs-hero);font-weight:800;line-height:1.04;letter-spacing:-.03em}
h2,.h2{font-size:var(--fs-h2);font-weight:800;line-height:1.1;letter-spacing:-.02em}
h3,.h3{font-size:var(--fs-h3);font-weight:700;line-height:1.25;letter-spacing:-.01em}
h4,.h4{font-size:var(--fs-h4);font-weight:700;line-height:1.35}
.lead{font-size:var(--fs-lead);line-height:1.55;color:var(--muted);max-width:62ch}
.t-navy .lead{color:var(--muted)}
.muted{color:var(--muted)}
.small{font-size:var(--fs-small);line-height:1.55}
.mono{font-family:var(--font-mono);font-size:var(--fs-mono);font-weight:400;line-height:1.5;letter-spacing:.04em;font-variant-numeric:tabular-nums}
.mono-label{font:500 var(--fs-mono)/1.2 var(--font-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.accent{color:var(--accent)}
.hl{background:linear-gradient(transparent 62%, rgb(244 169 59 / .38) 62%, rgb(244 169 59 / .38) 92%, transparent 92%);
  -webkit-box-decoration-break:clone;box-decoration-break:clone;padding-inline:.04em 0}
.kicker{display:flex;gap:var(--s-3);align-items:baseline;font-size:var(--fs-lead);font-weight:600;line-height:1.45;color:var(--ss-teal)}
.t-navy .kicker{color:var(--ss-teal-300)}
.kicker::before{content:"";flex:none;width:3px;align-self:stretch;border-radius:2px;background:currentColor}
.measure{max-width:66ch}
[lang="hi"]{font-family:"Noto Sans Devanagari",var(--font-text);line-height:1.85}
/* Long-form text (legal pages, notes) */
.prose{max-width:68ch}
.prose > * + *{margin-top:var(--s-4)}
.prose > h2{font-size:var(--fs-h3);font-weight:800;letter-spacing:-.01em;margin-top:var(--s-7)}
.prose > h3{font-size:var(--fs-h4);margin-top:var(--s-6)}
.prose > .eyebrow + h2{margin-top:0}
.prose > h2 + *,.prose > h3 + *{margin-top:var(--s-3)}
.prose > ul,.prose > ol{padding-left:1.25em}
.prose > ul > li + li,.prose > ol > li + li{margin-top:var(--s-2)}
.prose > ul > li::marker,.prose > ol > li::marker{color:var(--icon-accent)}
.prose > .callout,.prose > .table-wrap{margin-block:var(--s-5)}
.updated{font:400 var(--fs-mono)/1.5 var(--font-mono);letter-spacing:.04em;color:var(--muted)}

/* ---------- 06 · Icons ---------- */
.icon{width:24px;height:24px;flex:none;fill:none;stroke:currentColor;stroke-width:1.75;stroke-linecap:round;stroke-linejoin:round;vertical-align:middle}
.icon--lg{width:28px;height:28px}
.icon--sm{width:20px;height:20px}
.icon--xs{width:16px;height:16px;stroke-width:2}
.icon-tile{flex:none;display:inline-grid;place-items:center;width:48px;height:48px;border-radius:var(--radius);background:var(--tile-bg);color:var(--icon)}
.icon-tile--teal{color:var(--icon-accent)}
.icon-tile--lg{width:56px;height:56px}
.icon-tile--lg .icon{width:28px;height:28px}
.ext{display:inline-block;width:.95em;height:.95em;margin-left:.2em;vertical-align:-.08em;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

/* ---------- 07 · Buttons & links ---------- */
.btn{--_bg:var(--btn-bg);--_fg:var(--btn-fg);--_bd:transparent;
  position:relative;display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:48px;padding:0 22px;
  border:1.5px solid var(--_bd);border-radius:var(--radius);background:var(--_bg);color:var(--_fg);
  font-family:var(--font-text);font-size:1rem;font-weight:700;line-height:1;letter-spacing:.005em;text-decoration:none;white-space:nowrap;
  transition:background-color var(--dur-2) var(--ease-standard),color var(--dur-2) var(--ease-standard),border-color var(--dur-2) var(--ease-standard),transform var(--dur-1) var(--ease-standard);
  -webkit-user-select:none;user-select:none}
.btn .icon{width:20px;height:20px;transition:transform var(--dur-2) var(--ease-standard)}
.btn:hover{color:var(--_fg);background:var(--btn-bg-hover)}
.btn:hover .icon--move{transform:translateX(3px)}
.btn:active{background:var(--btn-bg-active);transform:translateY(1px)}
.btn--primary{--_bg:var(--btn-bg);--_fg:var(--btn-fg)}
.btn--cta{--_bg:var(--cta-bg);--_fg:var(--cta-fg)}
.btn--cta:hover{background:var(--cta-bg-hover)}
.btn--cta:active{background:var(--cta-bg-active)}
.btn--cta:focus-visible{outline-color:var(--focus)}
.btn--secondary{--_bg:transparent;--_fg:var(--btn2-fg);--_bd:var(--btn2-border)}
.btn--secondary:hover{background:var(--btn2-bg-hover);color:var(--btn2-fg-hover)}
.btn--secondary:active{background:var(--btn2-bg-hover)}
.btn--sm{min-height:44px;padding:0 18px;font-size:.9375rem}
.btn--lg{min-height:52px;padding:0 26px}
.btn--block{display:flex;width:100%}
.btn[aria-disabled="true"],.btn:disabled{opacity:.7;cursor:progress;transform:none}
.btn__spinner{display:none;width:16px;height:16px;border:2px solid currentColor;border-right-color:transparent;border-radius:50%;animation:ss-spin .8s linear infinite}
.btn[aria-busy="true"] .btn__spinner{display:inline-block}
.btn[aria-busy="true"] .icon{display:none}
@keyframes ss-spin{to{transform:rotate(360deg)}}
.link-arrow{display:inline-flex;align-items:center;gap:8px;min-height:44px;font-weight:700;color:var(--link);text-decoration:none}
.link-arrow .icon{width:18px;height:18px;transition:transform var(--dur-2) var(--ease-standard)}
.link-arrow:hover{color:var(--link-hover);text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:.25em}
.link-arrow:hover .icon{transform:translateX(3px)}
.link-arrow[target="_blank"]:hover .icon{transform:translate(2px,-2px)}
.links-row{display:flex;flex-wrap:wrap;gap:0 var(--s-5);align-items:center}
.links-row > a{display:inline-flex;align-items:center;min-height:44px}

/* ---------- 08 · Chips & tags ---------- */
.chip-list{display:flex;flex-wrap:wrap;gap:10px;list-style:none;margin:0;padding:0}
.chip,.chip-opt label{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:0 16px;
  border:1px solid var(--chip-border);border-radius:var(--radius-pill);background:var(--chip-bg);color:var(--chip-fg);
  font-size:var(--fs-label);font-weight:600;line-height:1.2;text-decoration:none;cursor:pointer;
  transition:background-color var(--dur-1) var(--ease-standard),color var(--dur-1) var(--ease-standard),border-color var(--dur-1) var(--ease-standard)}
.chip .icon,.chip-opt label .icon{width:18px;height:18px;color:var(--icon)}
.chip:hover,.chip-opt:hover label{background:var(--chip-hover);color:var(--chip-fg)}
.chip[aria-pressed="true"],.chip[aria-current="true"],.chip-opt input:checked + label{background:var(--chip-sel-bg);border-color:var(--chip-sel-bg);color:var(--chip-sel-fg)}
.chip[aria-pressed="true"] .icon,.chip[aria-current="true"] .icon,.chip-opt input:checked + label .icon{color:currentColor}
.chip-opt{position:relative;display:inline-flex}
.chip-opt input{position:absolute;inset:0;z-index:1;width:100%;height:100%;margin:0;opacity:0;cursor:pointer}
.chip-opt input:focus-visible + label{outline:2px solid var(--focus);outline-offset:2px}
@media (max-width:599.98px){ .form .chip-opt label{gap:6px;padding:0 12px;font-size:var(--fs-small)} .form .chip-list{gap:8px} }
.chip-opt input[type="checkbox"] + label::before{content:"";flex:none;width:14px;height:14px;border:1.5px solid currentColor;border-radius:4px;opacity:.7}
.chip-opt input[type="checkbox"]:checked + label::before{opacity:1;width:12px;height:7px;border-width:0 0 2px 2px;border-radius:0;transform:translateY(-2px) rotate(-45deg)}
.tag{display:inline-flex;align-items:center;gap:6px;min-height:24px;padding:3px 10px;border-radius:var(--radius-sm);background:var(--surface-2);
  color:var(--eyebrow);font:500 11px/1.2 var(--font-mono);letter-spacing:.1em;text-transform:uppercase}
.card .tag{background:var(--ss-mist);color:var(--ss-teal)}
.t-navy .card .tag,.t-navy .tag{background:var(--ss-navy-900);color:var(--ss-marigold)}

/* ---------- 09 · Cards ---------- */
.card{--tile-bg:var(--ss-mist);--callout-bg:var(--ss-mist);
  position:relative;display:flex;flex-direction:column;gap:var(--s-3);padding:var(--card-pad);
  background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--card-shadow);
  transition:transform var(--dur-2) var(--ease-standard),box-shadow var(--dur-2) var(--ease-standard),border-color var(--dur-2) var(--ease-standard)}
.t-navy .card{--tile-bg:var(--ss-navy-900)}
.card--flat{box-shadow:none}
.card--hover:hover,.card--hover:focus-within{transform:translateY(-2px);box-shadow:var(--card-shadow-hover)}
.t-navy .card--hover:hover,.t-navy .card--hover:focus-within{border-color:var(--ss-chip-navy)}
.card__head{display:flex;align-items:center;justify-content:space-between;gap:var(--s-3);margin-bottom:var(--s-2)}
.card__title{font-size:var(--fs-h3)}
.card__title a{color:inherit;text-decoration:none}
.card__title a:hover{color:var(--link)}
.card__text{color:var(--muted)}
.card__foot{margin-top:auto;padding-top:var(--s-3);display:flex;flex-wrap:wrap;gap:0 var(--s-5);align-items:center}
@media (max-width:599.98px){ .card__foot > .btn{flex:1 1 100%} }
/* make a whole card clickable from one link: add .stretched to that link */
.stretched::after{content:"";position:absolute;inset:0;border-radius:inherit;z-index:1}
.card:has(.stretched){cursor:pointer}
/* pillar card (services overview) */
.pillar__title{font-size:var(--fs-h3)}
.pillar--lead{gap:var(--s-4)}
@media (min-width:900px){ .pillar--lead{padding:36px} .pillar--lead .pillar__title{font-size:clamp(1.375rem, 1.2rem + .6vw, 1.75rem)} }
.checklist{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.checklist li{position:relative;padding-left:28px;line-height:1.5}
.checklist li::before{content:"";position:absolute;left:3px;top:.42em;width:12px;height:7px;border-left:2px solid var(--icon-accent);border-bottom:2px solid var(--icon-accent);transform:rotate(-45deg)}
@media (min-width:900px){ .checklist--2col{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:var(--s-5)} }
.services-grid{display:grid;gap:var(--grid-gap);grid-template-columns:minmax(0,1fr)}
@media (min-width:600px){ .services-grid{grid-template-columns:repeat(2,minmax(0,1fr))} }
@media (min-width:1200px){
  .services-grid{grid-template-columns:repeat(12,minmax(0,1fr))}
  .services-grid > *{grid-column:span 3}
  .services-grid > .pillar--lead{grid-column:span 6}
}
/* hand-off card (events) and audience card (manpower) */
.card > .tag,.card__head .tag{align-self:flex-start}
.audience{gap:var(--s-4)}
.audience__title{display:flex;align-items:center;gap:var(--s-3)}

/* ---------- 10 · Lists ---------- */
/* IT catalogue: indexed rows, 2 columns from 900px */
.catalogue{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:minmax(0,1fr);column-gap:var(--s-8);border-bottom:1px solid var(--line)}
@media (min-width:900px){ .catalogue{grid-template-columns:repeat(2,minmax(0,1fr))} }
.catalogue__item{position:relative;display:grid;grid-template-columns:48px minmax(0,1fr) auto;gap:var(--s-2) var(--s-4);align-items:start;align-content:start;
  padding:var(--s-5) 0;border-top:1px solid var(--line)}
.catalogue__item .icon-tile{grid-row:1 / span 2}
.catalogue__title{grid-column:2;font-size:var(--fs-h4);font-weight:700;line-height:1.35;padding-top:2px}
.catalogue__title a{color:var(--heading);text-decoration:none}
.catalogue__text{grid-column:2;font-size:var(--fs-small);line-height:1.6;color:var(--muted)}
.catalogue__go{grid-column:3;grid-row:1;align-self:start;margin-top:4px;color:var(--icon-accent);opacity:.55;transition:transform var(--dur-2) var(--ease-standard),opacity var(--dur-2) var(--ease-standard)}
.catalogue__item:hover .catalogue__title a{color:var(--link)}
.catalogue__item:hover .catalogue__go{opacity:1;transform:translateX(3px)}
.catalogue__item:hover .icon-tile{background:var(--ss-teal);color:var(--ss-white)}
.catalogue__item .icon-tile{transition:background-color var(--dur-2) var(--ease-standard),color var(--dur-2) var(--ease-standard)}
/* Facts / reasons: open grid with index numbers */
.facts{list-style:none;margin:0;padding:0;display:grid;gap:var(--s-6) var(--grid-gap);grid-template-columns:minmax(0,1fr)}
@media (min-width:600px){ .facts{grid-template-columns:repeat(2,minmax(0,1fr))} }
@media (min-width:1200px){ .facts{grid-template-columns:repeat(3,minmax(0,1fr));row-gap:var(--s-7)} }
.fact{display:grid;gap:var(--s-3);align-content:start;padding-top:var(--s-5);border-top:1px solid var(--line-strong)}
.fact__top{display:flex;align-items:center;justify-content:space-between;color:var(--icon)}
.fact__num{font:500 var(--fs-mono)/1 var(--font-mono);letter-spacing:.12em;color:var(--muted)}
.fact h3{font-size:var(--fs-h4);font-weight:700;line-height:1.35}
.fact p{color:var(--muted)}
/* Engagement models */
.models{display:grid;gap:var(--s-5);grid-template-columns:minmax(0,1fr);padding:var(--card-pad);border-radius:var(--radius-lg);background:var(--surface-2);list-style:none;margin:0}
@media (min-width:600px){ .models{grid-template-columns:repeat(2,minmax(0,1fr))} }
@media (min-width:1200px){ .models{grid-template-columns:repeat(4,minmax(0,1fr));gap:var(--s-6)} .models > li + li{border-left:1px solid var(--line);padding-left:var(--s-6)} }
.models li{display:grid;gap:var(--s-2);align-content:start}
.models h4{display:flex;align-items:flex-start;gap:10px}
.models h4 .icon{color:var(--icon-accent);margin-top:2px}
.models p{font-size:var(--fs-small);color:var(--muted)}
/* Process rail (compact numbered sequence, e.g. IT delivery) */
.rail{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--s-4) var(--s-5);counter-reset:rail}
@media (min-width:600px){ .rail{grid-template-columns:repeat(4,minmax(0,1fr))} }
@media (min-width:1200px){ .rail{grid-template-columns:repeat(7,minmax(0,1fr));gap:0} }
.rail li{position:relative;display:grid;gap:6px;padding-top:22px;font-weight:600;font-size:var(--fs-small);line-height:1.35;color:var(--heading);counter-increment:rail}
.rail li::before{content:counter(rail, decimal-leading-zero);position:absolute;top:0;left:0;font:500 12px/1 var(--font-mono);letter-spacing:.1em;color:var(--eyebrow)}
@media (min-width:1200px){
  .rail li{padding-right:var(--s-4)}
  .rail li::after{content:"";position:absolute;top:5px;left:30px;right:12px;height:1px;background:var(--line-strong)}
  .rail li:last-child::after{display:none}
}
/* Info list (contact details) */
.info-list{list-style:none;margin:0;padding:0;display:grid;gap:var(--s-4)}
.info-list li{display:grid;grid-template-columns:auto minmax(0,1fr);gap:var(--s-3);align-items:start}
.info-list .icon{color:var(--icon);margin-top:2px}
.info-list__label{display:block;font:500 var(--fs-mono)/1.4 var(--font-mono);letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:2px}
.info-list a{font-weight:600;overflow-wrap:anywhere}
/* Product list (loans) */
.product-list{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:minmax(0,1fr);border-top:1px solid var(--line)}
@media (min-width:600px){ .product-list{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:var(--s-5)} }
.product-list li{display:flex;align-items:center;gap:var(--s-3);min-height:56px;padding:var(--s-3) 0;border-bottom:1px solid var(--line);font-weight:600;color:var(--heading)}
.product-list .icon{color:var(--icon-accent);width:20px;height:20px}

/* ---------- 11 · Steps ---------- */
.steps{list-style:none;margin:0;padding:0;display:grid;gap:var(--s-6)}
.step{position:relative;display:grid;gap:6px;align-content:start;padding-left:60px;min-height:40px}
.step__num{position:absolute;left:0;top:0;display:grid;place-items:center;width:40px;height:40px;border-radius:50%;
  background:var(--step-bg);color:var(--step-fg);font-weight:800;font-size:1rem;line-height:1;font-variant-numeric:tabular-nums}
.step:not(:last-child)::before{content:"";position:absolute;left:19px;top:48px;bottom:calc(-1 * var(--s-6) + 8px);width:2px;border-radius:2px;background:var(--step-line)}
.step__label{font:500 var(--fs-mono)/1.2 var(--font-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--eyebrow);padding-top:2px}
.step__title{font-size:var(--fs-h4);font-weight:700;line-height:1.35;padding-top:8px}
.step__label + .step__title{padding-top:2px}
.step__text{color:var(--muted)}
@media (min-width:900px){
  .steps--h{grid-auto-flow:column;grid-auto-columns:minmax(0,1fr);gap:var(--s-6)}
  .steps--h .step{padding-left:0;padding-top:64px}
  .steps--h .step:not(:last-child)::before{left:52px;right:calc(-1 * var(--s-6) + 12px);top:19px;bottom:auto;width:auto;height:2px}
  .steps--h .step__title{padding-top:0}
}
.steps--big .step__title{font-size:var(--fs-h3);font-weight:800;letter-spacing:-.01em}

/* ---------- 12 · Callout (loan disclaimer and notices) ---------- */
.callout{--link:var(--ss-teal);--link-hover:var(--ss-navy);--focus:var(--ss-teal);
  display:grid;grid-template-columns:auto minmax(0,1fr);gap:var(--s-2) var(--s-4);padding:var(--s-5);
  background:var(--callout-bg);border-left:4px solid var(--ss-navy);border-radius:var(--radius);
  color:var(--ss-ink);font-size:var(--fs-small);line-height:1.6}
.callout > .icon{color:var(--ss-navy);margin-top:1px}
.callout__body{display:grid;gap:var(--s-2)}
.callout__title{font-size:var(--fs-body);font-weight:700;line-height:1.4;color:var(--ss-navy)}
.callout .links-row a{font-weight:600}
.callout--teal{border-left-color:var(--ss-teal)}
.callout--teal > .icon{color:var(--ss-teal)}
.callout--compact{padding:var(--s-4)}
.callout--block{margin-top:var(--s-7)}
@media (max-width:599.98px){
  .callout{grid-template-columns:minmax(0,1fr);padding:var(--s-4) var(--s-4) var(--s-5) var(--s-5)}
  .callout > .icon{margin:0 0 -2px}
}

/* Section-level extras used on the home page (reusable on inner pages) */
.catalogue-note{display:flex;gap:10px;align-items:flex-start;margin-top:var(--s-5);font-weight:600;color:var(--heading)}
.catalogue-note .icon{color:var(--icon-accent);margin-top:2px}
.it-more{display:grid;gap:var(--s-7);margin-top:var(--s-8)}
.note-line{display:flex;gap:10px;align-items:flex-start;margin-top:var(--s-5);font-size:var(--fs-small);color:var(--muted)}
.note-line .icon{color:var(--icon);margin-top:1px}
.handoff__promise{font-weight:700;color:var(--heading)}
@media (min-width:900px){
  .sticky-col{position:sticky;top:calc(var(--header-h) + var(--s-6));align-self:start}
}

/* ---------- 13 · FAQ ---------- */
.faq-group + .faq-group{margin-top:var(--s-7)}
.faq-group__title{margin-bottom:var(--s-3);font:500 var(--fs-mono)/1.2 var(--font-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--eyebrow)}
.faq{border-bottom:1px solid var(--line)}
.faq:first-of-type{border-top:1px solid var(--line)}
.faq > summary{position:relative;display:flex;align-items:center;justify-content:space-between;gap:var(--s-4);min-height:60px;padding:var(--s-4) 0;
  list-style:none;cursor:pointer;font-size:var(--fs-h4);font-weight:700;line-height:1.4;color:var(--heading);
  transition:color var(--dur-1) var(--ease-standard)}
.faq > summary::-webkit-details-marker{display:none}
.faq > summary:hover{color:var(--link)}
.faq__icon{position:relative;flex:none;width:32px;height:32px;border:1px solid var(--line-strong);border-radius:50%;color:var(--heading);
  transition:background-color var(--dur-1) var(--ease-standard),border-color var(--dur-1) var(--ease-standard)}
.faq__icon::before,.faq__icon::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;margin:-1px 0 0 -6px;border-radius:1px;background:currentColor}
.faq__icon::after{transform:rotate(90deg)}
.faq[open] .faq__icon{background:var(--ss-navy);border-color:var(--ss-navy);color:var(--ss-white)}
.faq[open] .faq__icon::after{transform:none}
.faq__body{padding:0 var(--s-8) var(--s-5) 0;max-width:72ch;color:var(--text)}
.faq__body > * + *{margin-top:var(--s-3)}
@media (max-width:599.98px){ .faq__body{padding-right:0} }

/* ---------- 14 · Forms ---------- */
.form-panel{position:relative;align-self:start;padding:var(--card-pad);background:var(--ss-white);border:1px solid var(--ss-line);border-radius:var(--radius-lg);box-shadow:var(--shadow-2)}
@media (min-width:900px){ .form-panel{padding:40px} }
.form{display:grid;gap:var(--s-6)}
.form__intro{font-size:var(--fs-small);color:var(--muted)}
.form__grid{display:grid;gap:var(--s-5) var(--s-4);grid-template-columns:minmax(0,1fr)}
@media (min-width:600px){ .form__grid{grid-template-columns:repeat(2,minmax(0,1fr))} .field--full{grid-column:1 / -1} }
.field{display:grid;gap:8px;align-content:start;min-width:0}
.label,.field > legend{font-size:var(--fs-label);font-weight:600;line-height:1.3;color:var(--heading)}
.req{color:var(--accent);font-weight:700;margin-left:2px}
.opt{font-weight:400;color:var(--muted);font-size:var(--fs-small)}
.hint{font-size:var(--fs-small);line-height:1.5;color:var(--muted)}
.input,.select,.textarea{display:block;width:100%;min-height:48px;padding:0 14px;border:1px solid var(--field-border);border-radius:var(--radius);
  background-color:var(--field-bg);color:var(--text);font-size:1rem;line-height:1.4;
  transition:border-color var(--dur-1) var(--ease-standard),box-shadow var(--dur-1) var(--ease-standard)}
.textarea{min-height:140px;padding:12px 14px;resize:vertical;line-height:1.55}
.select{-webkit-appearance:none;appearance:none;padding-right:44px;cursor:pointer;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230F3A52' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 14px center;background-size:20px}
.input::placeholder,.textarea::placeholder{color:var(--placeholder);opacity:1}
.input:hover,.select:hover,.textarea:hover{border-color:var(--ss-navy)}
.input:focus-visible,.select:focus-visible,.textarea:focus-visible{outline:2px solid var(--focus);outline-offset:2px;border-color:var(--focus)}
.input[aria-invalid="true"],.select[aria-invalid="true"],.textarea[aria-invalid="true"]{border-color:var(--err);box-shadow:inset 0 0 0 1px var(--err)}
.field__error{display:flex;gap:6px;align-items:flex-start;font-size:var(--fs-small);font-weight:600;line-height:1.45;color:var(--err)}
.field__error:empty{display:none}
.field__error .icon{width:16px;height:16px;margin-top:2px;stroke-width:2}
fieldset{min-width:0;margin:0;padding:0;border:0}
.chips-field{display:grid;gap:var(--s-3)}
.chips-field > legend{float:left;width:100%;margin-bottom:var(--s-3);padding:0}
.chips-field .chip-list{clear:both}
/* checkbox / radio row */
.check{display:grid;grid-template-columns:24px minmax(0,1fr);gap:12px;align-items:start}
.check input{-webkit-appearance:none;appearance:none;display:grid;place-content:center;width:24px;height:24px;margin:0;
  border:1.5px solid var(--field-border);border-radius:6px;background:var(--field-bg);cursor:pointer;
  transition:background-color var(--dur-1) var(--ease-standard),border-color var(--dur-1) var(--ease-standard)}
.check input[type="radio"]{border-radius:50%}
.check input::before{content:"";width:12px;height:7px;border-left:2.5px solid var(--ss-white);border-bottom:2.5px solid var(--ss-white);
  transform:translateY(-1px) rotate(-45deg) scale(0);transition:transform var(--dur-1) var(--ease-standard)}
.check input[type="radio"]::before{width:10px;height:10px;border:0;border-radius:50%;background:var(--ss-white);transform:scale(0)}
.check input:checked{background:var(--ss-navy);border-color:var(--ss-navy)}
.check input:checked::before{transform:translateY(-1px) rotate(-45deg) scale(1)}
.check input[type="radio"]:checked::before{transform:scale(1)}
.check input:hover{border-color:var(--ss-navy)}
.check input[aria-invalid="true"]{border-color:var(--err);box-shadow:0 0 0 1px var(--err)}
.check label{padding-top:1px;font-size:var(--fs-small);line-height:1.55;cursor:pointer}
.check .field__error{grid-column:2}
.consents{display:grid;gap:var(--s-4);padding-top:var(--s-5);border-top:1px solid var(--line)}
/* conditional fieldset (per enquiry type). JS hides inactive ones; without JS all are visible. */
.cond{display:grid;gap:var(--s-5);padding-top:var(--s-5);border-top:1px solid var(--line)}
.cond > legend{float:left;width:100%;padding:0;margin:0}
.cond__legend{display:flex;flex-wrap:wrap;align-items:center;gap:6px 12px}
.cond__title{font-size:var(--fs-h4);font-weight:700;color:var(--heading)}
.cond .form__grid{clear:both}
.js .cond__for{display:none}
.js [data-nojs-hint]{display:none}
html:not(.js) [data-opt-mark]{display:none}
.cond__note{font-size:var(--fs-small);color:var(--muted)}
/* status + success */
.form__foot{display:grid;gap:var(--s-4)}
@media (min-width:600px){ .form__foot{grid-template-columns:auto minmax(0,1fr);align-items:center;column-gap:var(--s-5)} }
.form__status{display:flex;gap:8px;align-items:flex-start;font-size:var(--fs-small);font-weight:600;line-height:1.5}
.form__status:empty{position:absolute;width:1px;height:1px;margin:-1px;overflow:hidden;clip:rect(0 0 0 0)}
.form__status .icon{width:18px;height:18px;margin-top:1px}
.form__status[data-state="error"]{color:var(--err)}
.form__status[data-state="sending"]{color:var(--muted)}
.form-success{display:grid;gap:var(--s-4);justify-items:start;padding:var(--s-2) 0}
.form-success__icon{display:grid;place-items:center;width:56px;height:56px;border-radius:50%;background:var(--ss-mist);color:var(--ok)}
.form-success__icon .icon{width:28px;height:28px}
.form-success h3{font-size:var(--fs-h3)}
.form-success:focus{outline:none}
.js .form-success{animation:ss-fade 240ms var(--ease-out)}
@keyframes ss-fade{from{opacity:0}to{opacity:1}}
.hp{position:absolute!important;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}

/* ---------- 15 · Page chrome ---------- */
/* Fraud-advisory strip (top of every page; dismissible except where data-persistent) */
.fraud-strip{position:relative;z-index:60;border-bottom:1px solid var(--line)}
.fraud-strip__in{display:flex;align-items:center;gap:var(--s-3);min-height:48px;padding-block:6px}
.fraud-strip__in > .icon{color:var(--ss-navy)}
.fraud-strip__text{flex:1;font-size:var(--fs-small);line-height:1.45;color:var(--ss-ink)}
.fraud-strip__text a{font-weight:600;white-space:nowrap}
.fraud-strip__close{display:none;flex:none;place-items:center;width:44px;height:44px;margin-right:-10px;border:0;border-radius:var(--radius);background:transparent;color:var(--ss-navy)}
.fraud-strip__close:hover{background:var(--ss-line)}
.js .fraud-strip__close{display:inline-grid}
.fraud-strip[data-persistent] .fraud-strip__close{display:none}
.fraud-off .fraud-strip:not([data-persistent]){display:none}
@media (max-width:599.98px){ .fraud-strip__in > .icon{display:none} .fraud-strip__in{gap:var(--s-2)} }

/* Header (§6.3): sticky, solid Logo Navy */
.site-header{position:sticky;top:0;z-index:50;border-bottom:1px solid transparent;transition:border-color var(--dur-2) var(--ease-standard),box-shadow var(--dur-2) var(--ease-standard)}
.site-header.is-scrolled{border-bottom-color:var(--line);box-shadow:0 8px 24px -16px rgb(4 49 69 / .6)}
.site-header__in{display:flex;align-items:center;gap:var(--s-5);min-height:var(--header-h)}
.brand{display:inline-flex;align-items:center;gap:10px;min-height:44px;margin-right:auto;color:var(--ss-white);text-decoration:none}
.brand img{width:51px;height:40px}
.brand__name{font-size:18px;font-weight:800;letter-spacing:-.01em;line-height:1;white-space:nowrap}
.brand:hover{color:var(--ss-white)}
.nav__list{display:flex;flex-wrap:wrap;list-style:none;margin:0;padding:0}
.nav__link{position:relative;display:inline-flex;align-items:center;min-height:44px;padding:0 12px;color:var(--ss-white);
  font-size:15px;font-weight:600;line-height:1.2;text-decoration:none;white-space:nowrap}
.nav__link::after{content:"";position:absolute;left:12px;right:12px;bottom:6px;height:2px;border-radius:2px;background:var(--ss-marigold);
  transform:scaleX(0);transform-origin:left;transition:transform var(--dur-2) var(--ease-standard)}
.nav__link:hover{color:var(--ss-white)}
.nav__link:hover::after,.nav__link[aria-current="page"]::after{transform:scaleX(1)}
.nav__cta{display:none}
.header-cta{display:none}
.menu-btn{display:none;place-items:center;width:44px;height:44px;margin-right:-6px;padding:0;border:1px solid var(--line-strong);border-radius:var(--radius);background:transparent;color:var(--ss-white)}
.menu-btn:hover{background:rgb(255 255 255 / .08)}
.menu-btn .icon-close{display:none}
.menu-btn[aria-expanded="true"] .icon-open{display:none}
.menu-btn[aria-expanded="true"] .icon-close{display:block}
@media (min-width:900px){ .header-cta{display:inline-flex} }
@media (max-width:899.98px){
  /* No JS: the nav wraps under the logo, header scrolls with the page */
  html:not(.js) .site-header{position:relative}
  html:not(.js) .site-header__in{flex-wrap:wrap;padding-block:8px}
  html:not(.js) .nav{order:3;width:100%;margin-inline:-12px}
  /* JS: menu button + slide-down panel */
  .js .menu-btn{display:inline-grid}
  .js .nav{position:fixed;left:0;right:0;top:var(--menu-top, var(--header-h));z-index:49;
    height:calc(100vh - var(--menu-top, var(--header-h)));height:calc(100dvh - var(--menu-top, var(--header-h)));overflow-y:auto;overscroll-behavior:contain;
    padding:var(--s-3) var(--gutter) var(--s-6);background:var(--ss-navy-900);border-top:1px solid var(--line);box-shadow:0 24px 48px -24px rgb(4 49 69 / .8);
    visibility:hidden;opacity:0;transform:translateY(-12px);transition:opacity var(--dur-3) var(--ease-out),transform var(--dur-3) var(--ease-out),visibility 0s linear var(--dur-3)}
  .js .nav.is-open{visibility:visible;opacity:1;transform:none;transition:opacity var(--dur-3) var(--ease-out),transform var(--dur-3) var(--ease-out),visibility 0s}
  .js .nav__list{display:grid;max-width:var(--container-narrow);margin-inline:auto}
  .js .nav__list li{border-bottom:1px solid var(--line)}
  .js .nav__link{display:flex;min-height:56px;padding:0 4px;font-size:1.125rem;font-weight:700}
  .js .nav__link::after{left:4px;right:auto;width:28px;bottom:10px}
  .js .nav__cta{display:flex;max-width:var(--container-narrow);margin:var(--s-5) auto 0}
  .js.menu-open{overflow:hidden}
}
@media (min-width:900px){
  .nav{display:flex;align-items:center}
  .site-header__in{gap:var(--s-4)}
}
@media (min-width:900px) and (max-width:1099.98px){
  .header-cta{display:none}
  .nav__link{padding:0 9px}
  .nav__link::after{left:9px;right:9px}
}

/* Breadcrumb (inner pages, on the page hero) */
.breadcrumb{margin-bottom:var(--s-6)}
.breadcrumb ol{display:flex;flex-wrap:wrap;align-items:center;list-style:none;margin:0;padding:0;font:400 var(--fs-mono)/1.4 var(--font-mono);letter-spacing:.08em;text-transform:uppercase}
.breadcrumb li{display:inline-flex;align-items:center}
.breadcrumb li + li::before{content:"/";margin:0 10px;color:var(--muted)}
.breadcrumb a{display:inline-block;padding-block:5px;color:var(--muted);text-decoration:none}
.breadcrumb a:hover{color:var(--text);text-decoration:underline}
.breadcrumb [aria-current="page"]{color:var(--text)}

/* Laurel motif (decorative half-wreath, white at 6%) */
.has-laurel{position:relative;overflow:hidden}
.laurel{position:absolute;z-index:0;top:50%;right:-4%;height:140%;width:auto;max-width:none;opacity:.06;transform:translateY(-50%);pointer-events:none;-webkit-user-select:none;user-select:none}
.has-laurel > :not(.laurel){position:relative;z-index:1}

/* Home hero */
.hero{padding-block:var(--s-8) var(--s-8);
  background-image:radial-gradient(55% 70% at 88% 28%, rgb(22 80 111 / .55), transparent 70%),radial-gradient(40% 60% at 0% 100%, rgb(15 58 82 / .5), transparent 70%)}
@media (min-width:900px){ .hero{padding-block:var(--s-9) var(--s-9)} }
.hero__grid{display:grid;gap:var(--s-7);align-items:center}
@media (min-width:1200px){ .hero__grid{grid-template-columns:minmax(0,7fr) minmax(0,5fr);column-gap:var(--s-8)} }
.hero__title{margin-bottom:var(--s-5)}
.hero__title span{display:block}
.hero__lead{font-size:var(--fs-lead);line-height:1.55;color:var(--muted);max-width:40rem}
.hero__lead strong{color:var(--ss-white);font-weight:600}
.hero .actions{margin-top:var(--s-6)}
.hero .laurel{right:-8%;height:150%}
@media (max-width:899.98px){ .hero .laurel{right:-30%;top:62%;height:120%} }
@media (min-width:1200px){ .hero .laurel{height:165%;right:max(-60px, calc((100vw - var(--container)) / 2 - 250px))} }
/* Quick picker (hero panel) */
.picker{display:grid;gap:var(--s-4);padding:var(--card-pad);border:1px solid var(--line);border-radius:var(--radius-lg);background:var(--surface)}
@media (max-width:1199.98px){ .picker{max-width:46rem} }
@media (min-width:900px){ .picker{padding:32px} }
.picker__title{font-size:var(--fs-h3);font-weight:800;letter-spacing:-.01em}
.picker__text{font-size:var(--fs-small);color:var(--muted)}
.picker .chip-list{margin-top:var(--s-2)}
.picker__foot{display:flex;align-items:center;gap:8px;margin-top:var(--s-2);padding-top:var(--s-4);border-top:1px solid var(--line);color:var(--muted)}
.picker__foot .icon{width:16px;height:16px;color:var(--icon)}

/* Trust strip (Geist Mono facts) */
.trust{border-top:1px solid var(--line)}
.trust__list{list-style:none;margin:0;padding:var(--s-5) 0;display:grid;gap:var(--s-3) var(--s-6);grid-template-columns:minmax(0,1fr)}
@media (min-width:600px){ .trust__list{grid-template-columns:repeat(2,minmax(0,1fr))} }
@media (min-width:1200px){ .trust__list{grid-template-columns:none;grid-auto-flow:column;grid-auto-columns:max-content;justify-content:space-between;column-gap:var(--s-5)} }
.trust__list li{display:flex;align-items:center;gap:10px;font:400 var(--fs-mono)/1.4 var(--font-mono);letter-spacing:.04em;color:var(--ss-white);font-variant-numeric:tabular-nums}
.trust__list .icon{width:18px;height:18px;color:var(--ss-teal-300)}
.trust__k{color:var(--muted)}

/* Inner-page hero */
.page-hero{padding-block:var(--s-6) var(--s-8)}
@media (min-width:900px){ .page-hero{padding-block:var(--s-7) var(--s-9)} }
.page-hero__grid{display:grid;gap:var(--s-7);align-items:end}
@media (min-width:1024px){ .page-hero__grid{grid-template-columns:minmax(0,7fr) minmax(0,5fr);column-gap:var(--s-8)} }
.page-hero__title{font-size:var(--fs-page);font-weight:800;line-height:1.08;letter-spacing:-.025em;margin-bottom:var(--s-4)}
.page-hero__title .accent{color:var(--ss-teal-300)}
.page-hero .lead{max-width:44rem}
.page-hero .actions{margin-top:var(--s-6)}
.page-hero__aside{display:grid;gap:var(--s-3);padding:var(--card-pad);border:1px solid var(--line);border-radius:var(--radius-lg);background:var(--surface)}
.page-hero__aside h2{font-size:var(--fs-h4);font-weight:700}

/* Closing CTA band: a navy panel inside a light band */
.cta-panel{display:grid;gap:var(--s-5);padding:var(--s-7) var(--card-pad);border-radius:var(--radius-lg)}
@media (min-width:900px){ .cta-panel{grid-template-columns:minmax(0,1fr) auto;align-items:center;column-gap:var(--s-8);padding:var(--s-8) 56px} }
.cta-panel h2{font-size:var(--fs-h2)}
.cta-panel p{color:var(--muted);margin-top:var(--s-3);max-width:52ch}
.cta-panel .laurel{right:-2%;height:180%}

/* The group panel (navy panel + brand mini-cards) */
.group-panel{display:grid;gap:var(--s-6);padding:var(--card-pad);border-radius:var(--radius-lg)}
@media (min-width:900px){ .group-panel{padding:var(--s-7)} }
.group-house{display:grid;gap:var(--s-4);align-items:center;padding-bottom:var(--s-6);border-bottom:1px solid var(--line)}
.group-house img{width:60px;height:73px}
.group-house__text{display:grid;gap:6px}
.group-house h3{font-size:var(--fs-h3);font-weight:800}
.group-house p{color:var(--muted)}
.group-house .mono{color:var(--ss-marigold)}
@media (min-width:900px){ .group-house{grid-template-columns:auto minmax(0,1fr) auto;column-gap:var(--s-6)} }
.brand-cards{list-style:none;margin:0;padding:0;display:grid;gap:var(--grid-gap);grid-template-columns:minmax(0,1fr)}
@media (min-width:900px){ .brand-cards{grid-template-columns:repeat(3,minmax(0,1fr))} }
.brand-card{display:grid;gap:var(--s-3);align-content:start;grid-template-rows:56px auto 1fr auto;padding:var(--s-5);border:1px solid var(--line);border-radius:var(--radius);background:var(--surface)}
.brand-card__mark{display:flex;align-items:center;height:56px}
.brand-card__mark img{height:48px;width:auto}
.brand-card__mark--wbe img{height:54px}
.brand-card__mark--parasvi img{height:40px}
.brand-card h4{font-size:var(--fs-h4);line-height:1.3}
.brand-card p{font-size:var(--fs-small);color:var(--muted)}
.brand-card .link-arrow{font-size:var(--fs-small)}

/* Founder note */
.founder{display:grid;gap:var(--s-7);align-items:center}
@media (min-width:900px){ .founder{grid-template-columns:minmax(0,5fr) minmax(0,7fr);column-gap:var(--s-8)} }
.founder__photo{overflow:hidden;border-radius:var(--radius-lg);background:var(--surface-2);aspect-ratio:1 / 1;max-width:480px}
@media (min-width:600px){ .founder__photo{aspect-ratio:4 / 5} }
.founder__photo img{width:100%;height:100%;object-fit:cover;object-position:50% 30%}
.founder__quote{font-size:clamp(1.5rem, 1.25rem + 1.1111vw, 2.25rem);font-weight:800;line-height:1.2;letter-spacing:-.02em;color:var(--heading);text-wrap:balance}
.founder__note{display:grid;gap:var(--s-4);margin-top:var(--s-5);max-width:60ch;color:var(--text)}
.founder__sign{display:grid;gap:4px;margin-top:var(--s-6);padding-top:var(--s-5);border-top:1px solid var(--line)}
.founder__name{font-size:var(--fs-h4);font-weight:800;color:var(--heading)}
.founder .links-row{margin-top:var(--s-3)}

/* Footer (§6.4) */
.site-footer{padding-top:var(--s-9);padding-bottom:var(--s-6);font-size:var(--fs-small)}
.footer__top{display:grid;gap:var(--s-7)}
@media (min-width:1200px){ .footer__top{grid-template-columns:minmax(0,3fr) minmax(0,9fr);column-gap:var(--s-8)} }
.footer__brand{display:grid;gap:var(--s-4);align-content:start;max-width:26rem}
.footer__brand img{width:200px;height:auto;margin-bottom:var(--s-2)}
@media (min-width:900px){ .footer__brand img{width:240px} }
.footer__brand p{color:var(--muted);line-height:1.6}
.footer__brand .footer__tagline{font-size:var(--fs-h4);font-weight:800;letter-spacing:-.01em;color:var(--ss-white)}
.footer__nav{display:grid;gap:var(--s-6) var(--s-5);grid-template-columns:repeat(2,minmax(0,1fr))}
@media (min-width:900px){ .footer__nav{grid-template-columns:repeat(4,minmax(0,1fr))} }
.footer__h{margin-bottom:var(--s-3);font:500 var(--fs-mono)/1.2 var(--font-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--eyebrow)}
.footer__nav ul{list-style:none;margin:0;padding:0;display:grid}
.footer__nav a{display:inline-block;padding-block:9px;line-height:1.4;color:var(--ss-white);text-decoration:none;overflow-wrap:anywhere}
.footer__nav a[href^="mailto:"]{overflow-wrap:normal;white-space:nowrap}
@media (max-width:419.98px){
  .footer__nav > :nth-child(n+3){grid-column:1 / -1}
  .footer__nav > :nth-child(3) ul{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:var(--s-5)}
}
.footer__nav a:hover{color:var(--ss-teal-300);text-decoration:underline}
.footer__nav .footer__plain{display:block;padding-block:8px;color:var(--muted);line-height:1.5;text-wrap:balance}
.footer__legal{display:grid;gap:var(--s-5);margin-top:var(--s-8);padding-top:var(--s-6);border-top:1px solid var(--line)}
@media (min-width:900px){ .footer__legal{grid-template-columns:minmax(0,5fr) minmax(0,7fr);column-gap:var(--s-8)} }
.grievance{display:grid;gap:var(--s-2);align-content:start;padding:var(--s-5);border:1px solid var(--line);border-radius:var(--radius);background:var(--surface)}
.grievance h2{font-size:var(--fs-label);font-weight:700}
.grievance p{color:var(--muted);line-height:1.55}
.grievance a{font-weight:600}
.footer__fine{display:grid;gap:var(--s-3);align-content:start;color:var(--muted)}
.footer__fine .mono{font-size:12px;color:var(--ss-white)}
.footer__fine p{line-height:1.6}
.footer__copy{display:flex;flex-wrap:wrap;justify-content:space-between;gap:var(--s-2) var(--s-5);margin-top:var(--s-6);padding-top:var(--s-5);border-top:1px solid var(--line);color:var(--muted);font:400 12px/1.5 var(--font-mono);letter-spacing:.04em}
.footer__copy a{color:var(--muted)}
.footer__copy a:hover{color:var(--ss-white)}
/* CLIENT slot: WhatsApp / phone buttons (commented out in the HTML until a number is supplied) */
.contact-quick{display:flex;flex-wrap:wrap;gap:var(--s-3)}

/* Status page (404, no-JS form result) */
.status-page{display:grid;place-items:center;min-height:min(64vh, 640px);padding-block:var(--s-9);text-align:center}
.status-page:not(.status-page--full){border-bottom:1px solid var(--line)}
.status-page .laurel{-webkit-mask-image:linear-gradient(#000 45%, transparent 82%);mask-image:linear-gradient(#000 45%, transparent 82%)}
.status-page--full{min-height:100vh}
.status-page__in{display:grid;justify-items:center;gap:var(--s-4);max-width:40rem}
.status-page__mark{width:77px;height:60px;margin-bottom:var(--s-3)}
.status-page__code{font:500 var(--fs-mono)/1.2 var(--font-mono);letter-spacing:.2em;text-transform:uppercase;color:var(--eyebrow)}
.status-page h1{font-size:var(--fs-page);font-weight:800;line-height:1.08;letter-spacing:-.025em}
.status-page p{color:var(--muted);font-size:var(--fs-lead)}
.status-page .actions{justify-content:center;margin-top:var(--s-4)}
.status-page__links{justify-content:center;margin-top:var(--s-5)}
.status-page .small{font-size:var(--fs-small);margin-top:var(--s-5)}
.status-page .links-row{justify-content:center}
.status-page__list{display:grid;gap:var(--s-2);margin:0;padding:var(--s-4) var(--s-5);list-style:none;text-align:left;border:1px solid var(--line);border-radius:var(--radius);background:var(--surface)}
.status-page__list li{position:relative;padding-left:18px;line-height:1.5}
.status-page__list li::before{content:"";position:absolute;left:0;top:.6em;width:6px;height:6px;border-radius:50%;background:var(--ss-teal-300)}
@media (max-width:599.98px){ .status-page__code{letter-spacing:.12em} }

/* Tables (inner pages: escalation ladder, documents) */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius)}
.table{width:100%;border-collapse:collapse;font-size:var(--fs-small);background:var(--surface)}
.table th,.table td{padding:12px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.table th{font:500 var(--fs-mono)/1.3 var(--font-mono);letter-spacing:.08em;text-transform:uppercase;color:var(--muted);background:var(--surface-2)}
.table tr:last-child td{border-bottom:0}

/* ---------- 15b · Inner-page components (stage 2: /loans/, /disclaimer/, /grievance-redressal/, /fraud-advisory/) ----------
   Added for the inner pages only; nothing here changes a rule the home page uses.
   .page-hero--toc + .toc ...... "On this page" index at the foot of a page hero (scrolls sideways on phones)
   .page-hero .updated ......... "Last updated" line in a page hero
   .card.t-navy ................ navy card inside a light band (tile + tag colours fixed for that case)
   .kv ......................... small label/value pairs inside a card (mono labels)
   .doc-groups > .doc-group .... expandable panels (native <details>), e.g. documents per applicant type
   .ledger ..................... definition rows (label left, explanation right), e.g. fees
   .clauses .................... numbered legal clauses (01, 02 ...) with hairlines
   .doc-layout ................. legal reading layout: .doc-nav (sticky "On this page" ≥1024px) + .doc-body of .doc-section
   .callout[lang="hi"] ......... Hindi summary at body size (Devanagari needs the extra size)
   .step__link ................. a link row inside a .step
   ------------------------------------------------------------------------------------------------- */
/* single column below 1024px can never be pushed wider than the screen by a long unbreakable line */
@media (max-width:1023.98px){ .page-hero__grid{grid-template-columns:minmax(0,1fr)} }
.page-hero--toc{padding-bottom:var(--s-3)}
@media (min-width:900px){ .page-hero--toc{padding-bottom:var(--s-4)} }
.page-hero .updated{margin-top:var(--s-4)}
.toc{display:grid;gap:var(--s-1);margin-top:var(--s-7);padding-top:var(--s-4);border-top:1px solid var(--line)}
@media (min-width:900px){ .toc{grid-template-columns:auto minmax(0,1fr);align-items:center;column-gap:var(--s-6);margin-top:var(--s-8);padding-top:var(--s-3)} }
.toc__label{font:500 var(--fs-mono)/1.2 var(--font-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.toc__list{display:flex;gap:0 var(--s-5);list-style:none;margin:0 calc(-1 * var(--gutter));padding:4px 48px 4px var(--gutter);
  overflow-x:auto;overscroll-behavior-x:contain;scrollbar-width:none;
  -webkit-mask-image:linear-gradient(90deg,#000 calc(100% - 40px),transparent);mask-image:linear-gradient(90deg,#000 calc(100% - 40px),transparent)}
.toc__list::-webkit-scrollbar{display:none}
@media (min-width:900px){ .toc__list{flex-wrap:wrap;margin:0;padding:4px 0;overflow:visible;-webkit-mask-image:none;mask-image:none} }
.toc__list li{flex:none}
.toc__list a{position:relative;display:inline-flex;align-items:center;min-height:44px;white-space:nowrap;color:var(--text);font-size:var(--fs-small);font-weight:600;text-decoration:none}
.toc__list a::after{content:"";position:absolute;left:0;right:0;bottom:8px;height:2px;border-radius:2px;background:var(--rule);transform:scaleX(0);transform-origin:left;transition:transform var(--dur-2) var(--ease-standard)}
.toc__list a:hover{color:var(--text)}
.toc__list a:hover::after{transform:scaleX(1)}

.card.t-navy{--tile-bg:var(--ss-navy-900);--callout-bg:var(--ss-mist)}
.card.t-navy .tag{background:var(--ss-navy-900);color:var(--ss-marigold)}

.kv{display:grid;gap:var(--s-3);margin:var(--s-2) 0 0;padding-top:var(--s-4);border-top:1px solid var(--line)}
.kv > div{display:grid;gap:4px}
.kv dt{font:500 var(--fs-mono)/1.3 var(--font-mono);letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.kv dd{margin:0;font-size:var(--fs-small);line-height:1.55;color:var(--text)}

.doc-groups{display:grid;gap:var(--s-3)}
.doc-group{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--card-shadow);
  transition:border-color var(--dur-2) var(--ease-standard),box-shadow var(--dur-2) var(--ease-standard)}
.doc-group[open]{border-color:var(--line-strong)}
.doc-group > summary{display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:var(--s-4);min-height:80px;padding:var(--s-4) var(--s-5);
  border-radius:inherit;list-style:none;cursor:pointer}
.doc-group > summary::-webkit-details-marker{display:none}
.doc-group__title{display:block;font-size:var(--fs-h4);font-weight:700;line-height:1.35;color:var(--heading);transition:color var(--dur-1) var(--ease-standard)}
.doc-group__meta{display:block;margin-top:2px;font-size:var(--fs-small);line-height:1.45;color:var(--muted)}
.doc-group > summary:hover .doc-group__title{color:var(--link)}
.doc-group[open] .faq__icon{background:var(--ss-navy);border-color:var(--ss-navy);color:var(--ss-white)}
.doc-group[open] .faq__icon::after{transform:none}
.doc-group__body{display:grid;gap:var(--s-4);margin:0 var(--s-5);padding:var(--s-5) 0;border-top:1px solid var(--line)}
@media (max-width:599.98px){ .doc-group > summary{gap:var(--s-3);padding:var(--s-4)} .doc-group > summary .icon-tile{width:40px;height:40px} .doc-group__body{margin:0 var(--s-4)} }

.ledger{display:grid;margin:0;border-top:1px solid var(--line-strong)}
.ledger__row{display:grid;gap:var(--s-3);padding:var(--s-5) 0;border-bottom:1px solid var(--line)}
@media (min-width:900px){ .ledger__row{grid-template-columns:minmax(0,4fr) minmax(0,8fr);column-gap:var(--s-8);padding:var(--s-6) 0} }
.ledger dt{display:flex;align-items:center;align-self:start;gap:var(--s-4);font-size:var(--fs-h4);font-weight:700;line-height:1.35;color:var(--heading)}
.ledger dd{display:grid;gap:var(--s-2);margin:0;max-width:62ch;color:var(--text)}
.ledger__lead{font-size:var(--fs-lead);font-weight:700;line-height:1.4;color:var(--heading)}
@media (min-width:900px){ .ledger dd{padding-top:10px} }

.clauses{list-style:none;margin:0;padding:0;counter-reset:clause;display:grid;border-top:1px solid var(--line)}
.clauses > li{position:relative;display:grid;gap:var(--s-2);padding:var(--s-5) 0 var(--s-5) 48px;border-bottom:1px solid var(--line);counter-increment:clause}
.clauses > li::before{content:counter(clause, decimal-leading-zero);position:absolute;left:0;top:calc(var(--s-5) + 4px);font:500 var(--fs-mono)/1.2 var(--font-mono);letter-spacing:.1em;color:var(--eyebrow)}
@media (min-width:600px){ .clauses > li{padding-left:64px} }
.clauses h3{font-size:var(--fs-h4);font-weight:700;line-height:1.35}
.clauses p{max-width:68ch}
.prose > .clauses{padding-left:0;margin-top:var(--s-5)}
.doc-section .clauses > li:last-child{border-bottom:0;padding-bottom:0}
.prose > .clauses > li + li{margin-top:0}
.clauses--steps > li{gap:6px}
.clauses--steps p{color:var(--muted)}

.doc-layout{display:grid;gap:var(--s-7);grid-template-columns:minmax(0,1fr)}
@media (min-width:1024px){
  .doc-layout{grid-template-columns:minmax(0,3fr) minmax(0,9fr);column-gap:var(--s-8)}
  .doc-nav{position:sticky;top:calc(var(--header-h) + var(--s-6));align-self:start}
}
.doc-nav{padding:var(--s-5);border:1px solid var(--line);border-radius:var(--radius-lg);background:var(--surface-2)}
@media (min-width:1024px){ .doc-nav{padding:0;border:0;border-radius:0;background:none} }
.doc-nav__title{margin-bottom:var(--s-3);font:500 var(--fs-mono)/1.2 var(--font-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--eyebrow)}
.doc-nav__list{list-style:none;margin:0;padding:0;display:grid;counter-reset:docnav}
.doc-nav__list li{counter-increment:docnav}
.doc-nav__list a{display:grid;grid-template-columns:28px minmax(0,1fr);align-items:baseline;min-height:44px;padding:11px 0;border-top:1px solid var(--line);
  color:var(--heading);font-size:var(--fs-small);font-weight:600;line-height:1.4;text-decoration:none;transition:color var(--dur-1) var(--ease-standard)}
.doc-nav__list a::before{content:counter(docnav, decimal-leading-zero);font:500 12px/1 var(--font-mono);letter-spacing:.08em;color:var(--muted)}
.doc-nav__list a:hover{color:var(--link)}
.doc-nav__list a:hover::before{color:var(--link)}
.doc-nav__list a[lang="hi"]{line-height:1.6}
.doc-body{min-width:0}
.doc-section{max-width:68ch}
.doc-section + .doc-section{margin-top:var(--s-8);padding-top:var(--s-8);border-top:1px solid var(--line)}
.doc-section.prose > h2{font-size:clamp(1.5rem, 1.25rem + 1.1111vw, 2.25rem);line-height:1.15;letter-spacing:-.02em}
.doc-section.prose > .eyebrow{margin-bottom:0}
.doc-section.prose > .eyebrow + h2{margin-top:var(--s-3)}
.doc-section.prose > h2[lang="hi"]{line-height:1.45;letter-spacing:0}
.doc-section.prose > h2 + h3{margin-top:var(--s-5)}

.callout[lang="hi"]{font-size:var(--fs-body)}
.callout[lang="hi"] .callout__title{font-size:var(--fs-h4);line-height:1.5}
.callout[lang="hi"] .mono-label{line-height:1.2;margin-bottom:var(--s-1)}
.step__link{margin-top:2px}
/* a short column inside .split keeps its natural height (no stretched gaps) */
.split > .steps,.split > .section-head{align-self:start}
/* odd item counts on tablets: the last card spans the row instead of leaving a hole */
@media (min-width:600px) and (max-width:1199.98px){ .grid--balance > :last-child:nth-child(odd){grid-column:1 / -1} }
/* a three-item .facts row stays three across from 768px */
@media (min-width:768px){ .facts--3{grid-template-columns:repeat(3,minmax(0,1fr))} }
/* utilities */
.title-lines > span{display:block}
.nowrap{white-space:nowrap}
main a:has(> .ext){white-space:nowrap}
/* .cards-compact: on phones, cards put the icon beside the text instead of above it */
@media (max-width:599.98px){
  .cards-compact > .card{display:grid;grid-template-columns:48px minmax(0,1fr);column-gap:var(--s-4);row-gap:6px;align-content:start}
  .cards-compact > .card > .card__head{display:contents}
  .cards-compact > .card .icon-tile{grid-column:1;grid-row:1 / span 3;align-self:start}
  .cards-compact > .card > :not(.icon-tile):not(.card__head),.cards-compact > .card > .card__head > .tag{grid-column:2}
  .cards-compact > .card > .card__head > .tag{justify-self:start;margin-bottom:2px}
  .cards-compact > .card .card__foot{padding-top:var(--s-1)}
}
/* spacing between stacked blocks inside one band (loans page) */
.consult{margin-top:var(--grid-gap)}
@media (min-width:900px){ .consult{padding:36px} .consult .split{align-items:center} }
.roles{margin-top:var(--s-8)}
@media (max-width:899.98px){ .consult .split{gap:var(--s-5)} }
.cta-panel .cta-panel__email{margin-top:var(--s-3);font:500 var(--fs-lead)/1.35 var(--font-mono);letter-spacing:.01em;color:var(--ss-white);overflow-wrap:anywhere}
.cta-panel .cta-panel__email + p{margin-top:var(--s-2)}
.footer__nav a[aria-current="page"]{text-decoration:underline;text-decoration-color:var(--ss-marigold);text-decoration-thickness:2px;text-underline-offset:.35em}

/* ---------- 15c · Stage 3 components (/it-services/, /funding/, /manpower/, /privacy-policy/, /terms/) ----------
   Added for the stage 3 pages only; every rule is scoped to a new class, so no existing page changes.
   .svc-list > .svc ........... IT service sheet: one row per service group (the row's id is the anchor the home catalogue links to)
   .chip--static .............. a chip that is a label, not a control (industries list); .chip-list--lg = larger chips
   .paths > li > .path ........ "Start here" route links (manpower hero: employers / job seekers)
   .pull ...................... pull quote with attribution (the founder's published line)
   .page-hero .kicker ......... romanised Hindi kicker under an inner-page H1
   .doc-section .info-list .... contact rows inside a legal page section
   .ask-panel ................. "Don’t see it here?" row (icon, text, button) closing the IT catalogue
   .facts--4 .................. four facts in one row from 1200px
   .ledger + .where ........... card row under a ledger (manpower)
   .grid--kv-foot ............. cards in a row keep their .kv ("Good for") block on one line
   .card--fit ................. a card in a .split that keeps its natural height
   .callout--split ............ long disclaimer callout in two columns from 900px (title + links | text)
   ------------------------------------------------------------------------------------------------- */
.svc-list{list-style:none;margin:0;padding:0;display:grid;border-top:1px solid var(--line-strong)}
.svc{display:grid;gap:var(--s-5);padding:var(--s-6) 0;border-bottom:1px solid var(--line)}
@media (min-width:1200px){ .svc{grid-template-columns:minmax(0,5fr) minmax(0,7fr);column-gap:var(--s-8);padding:var(--s-7) 0} }
.svc__head{display:grid;grid-template-columns:auto minmax(0,1fr);column-gap:var(--s-4);row-gap:var(--s-4);align-content:start}
.svc__head .icon-tile{transition:background-color var(--dur-2) var(--ease-standard),color var(--dur-2) var(--ease-standard)}
.svc__group{font:500 var(--fs-mono)/1.2 var(--font-mono);letter-spacing:.12em;text-transform:uppercase;color:var(--eyebrow);padding-top:4px}
.svc__title{margin-top:8px;font-size:var(--fs-h3);font-weight:800;line-height:1.2;letter-spacing:-.015em}
.svc__text{grid-column:1 / -1;color:var(--muted);max-width:48ch}
.svc__body{display:grid;gap:var(--s-4);align-content:start}
.svc__body > .mono-label{margin-bottom:calc(-1 * var(--s-1))}
@media (min-width:600px){ .svc .checklist{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:var(--s-5)} }
@media (min-width:1200px){ .svc__body{padding-top:6px} }
.svc__ask{margin-top:calc(-1 * var(--s-2))}
/* arriving from the home catalogue (/it-services/#websites): the row's tile lights up */
.svc:target .svc__head .icon-tile{background:var(--ss-teal);color:var(--ss-white)}
.catalogue-note--block{margin-top:var(--s-6)}

.chip--static{cursor:default}
.chip--static:hover{background:var(--chip-bg);color:var(--chip-fg)}
.chip-list--lg{gap:12px}
.chip-list--lg .chip{min-height:52px;padding:0 20px 0 16px;gap:10px;font-size:var(--fs-body)}
.chip-list--lg .chip .icon{width:22px;height:22px;color:var(--icon-accent)}
@media (max-width:599.98px){ .chip-list--lg{gap:8px} .chip-list--lg .chip{min-height:48px;padding:0 14px 0 12px;font-size:var(--fs-label)} .chip-list--lg .chip .icon{width:20px;height:20px} }

.paths{list-style:none;margin:0;padding:0;display:grid;gap:var(--s-3)}
.path{display:grid;grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:var(--s-4);min-height:76px;padding:var(--s-3) var(--s-4) var(--s-3) var(--s-3);
  border:1px solid var(--line);border-radius:var(--radius);color:var(--text);text-decoration:none;
  transition:background-color var(--dur-2) var(--ease-standard),border-color var(--dur-2) var(--ease-standard)}
.path:hover{background:var(--chip-hover);border-color:var(--line-strong);color:var(--text)}
.t-navy .path .icon-tile{background:var(--ss-navy-900);color:var(--icon)}
.path__title{display:block;font-weight:700;line-height:1.3;color:var(--heading)}
.path__text{display:block;margin-top:2px;font-size:var(--fs-small);line-height:1.45;color:var(--muted)}
.path > .icon{color:var(--icon-accent);transform:rotate(90deg);transition:transform var(--dur-2) var(--ease-standard)}
.path:hover > .icon{transform:rotate(90deg) translateX(3px)}
.t-navy .path:hover{background:var(--ss-navy-600);border-color:var(--ss-chip-navy)}

.pull{display:grid;grid-template-columns:auto minmax(0,1fr);gap:var(--s-3) var(--s-5);align-items:start;margin:var(--s-8) 0 0;padding-top:var(--s-7);border-top:1px solid var(--line)}
.pull > .icon{width:36px;height:36px;color:var(--icon-accent);stroke-width:1.5}
.pull blockquote{margin:0}
.pull blockquote p{max-width:30ch;font-size:clamp(1.375rem, 1.1667rem + .9259vw, 2rem);font-weight:800;line-height:1.2;letter-spacing:-.02em;color:var(--heading);text-wrap:balance}
.pull figcaption{grid-column:2;font:400 var(--fs-mono)/1.5 var(--font-mono);letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.pull__name{font-weight:500;color:var(--heading)}
@media (max-width:599.98px){ .pull{grid-template-columns:minmax(0,1fr)} .pull figcaption{grid-column:1} }
@media (min-width:900px){
  .pull{grid-template-columns:auto minmax(0,46rem);justify-content:center;column-gap:var(--s-6)}
  .pull blockquote p{max-width:none;font-size:clamp(1.5rem, 1.25rem + 1.1111vw, 2.25rem)}
}

.page-hero .kicker{margin:calc(-1 * var(--s-1)) 0 var(--s-4)}
.doc-section .info-list{margin-top:var(--s-5)}

/* "Don't see it here?" panel that closes the IT catalogue */
.ask-panel{display:grid;grid-template-columns:minmax(0,1fr);gap:var(--s-4);margin-top:var(--s-7);padding:var(--card-pad);
  border:1px solid var(--line);border-radius:var(--radius-lg);background:var(--surface-2)}
.ask-panel .icon-tile{background:var(--ss-white)}
.ask-panel__text{display:grid;gap:6px}
.ask-panel__title{font-size:var(--fs-h3);font-weight:800;letter-spacing:-.01em}
.ask-panel__text p{color:var(--muted);max-width:58ch}
@media (min-width:600px){
  .ask-panel{grid-template-columns:auto minmax(0,1fr);column-gap:var(--s-5);align-items:center}
  .ask-panel > .btn{grid-column:2;justify-self:start}
}
@media (min-width:900px){
  .ask-panel{grid-template-columns:auto minmax(0,1fr) auto;padding:32px 40px}
  .ask-panel > .btn{grid-column:auto}
}
/* four reasons in one row on wide screens (funding: what we look for) */
@media (min-width:1200px){ .facts--4{grid-template-columns:repeat(4,minmax(0,1fr))} }
/* cards under a ledger (manpower: where people work / where we work) */
.ledger + .where{margin-top:var(--s-7)}
.where .card{gap:var(--s-4)}
/* a row of cards whose "Good for" block sits on the same line (IT ways to work, manpower engagements) */
.grid--kv-foot > .card > .kv{margin-top:auto}
/* a card beside .steps in a .split keeps its natural height (funding: what to send) */
.card--fit{align-self:start}
/* a long disclaimer callout set in two columns on wide screens (funding) */
@media (min-width:900px){
  .callout--split{padding:var(--s-6) var(--s-7) var(--s-6) var(--s-6)}
  .callout--split .callout__body{grid-template-columns:minmax(0,1fr) minmax(0,2.4fr);column-gap:var(--s-7);row-gap:var(--s-3);align-items:start}
  .callout--split .callout__title{grid-column:1;grid-row:1}
  .callout--split .callout__body > p:not(.links-row){grid-column:2;grid-row:1 / span 2;max-width:80ch}
  .callout--split .links-row{grid-column:1;grid-row:2;flex-direction:column;align-items:flex-start}
}

/* ---------- 16 · SP Group strip: identical on all three sites (BRAND-SYSTEMS §6.2). Do not theme. ---------- */
.sp-strip{background:#0A1424;color:#A9B1BF;border-top:1px solid rgb(219 185 99 / .24);
  font-family:"Geist Mono","Geist Mono Fallback","Courier New",monospace;font-size:13px;line-height:1.5}
.sp-strip__in{max-width:1360px;margin-inline:auto;padding:16px var(--gutter, 16px);display:flex;flex-wrap:wrap;gap:12px 32px;align-items:center;justify-content:space-between}
.sp-strip__brand{display:inline-flex;align-items:center;gap:12px;min-height:44px;color:#F3EEE3;text-decoration:none}
.sp-strip__brand img{display:block;width:30px;height:36px;object-fit:contain}
.sp-strip__label{font-size:12px;font-weight:500;letter-spacing:.14em;text-transform:uppercase;color:#A9B1BF}
.sp-strip__links{display:flex;flex-wrap:wrap;gap:4px 24px;list-style:none;margin:0;padding:0}
.sp-strip__links a{display:inline-flex;align-items:center;min-height:44px;color:#F3EEE3;text-decoration:none;text-underline-offset:.25em}
.sp-strip__links a:hover{text-decoration:underline}
.sp-strip__links a[aria-current]{color:#DBB963;text-decoration:underline;text-decoration-thickness:1px}
.sp-strip a:focus-visible{outline:2px solid #DBB963;outline-offset:2px}

/* ---------- 17 · Motion (§2.5, §4.8): finished state is the default ----------
   .js comes from the inline <head> snippet; it is removed again at DOMContentLoaded unless main.js has added
   .js-ready, so nothing below can stay hidden if main.js fails to load or throws. */
@media (prefers-reduced-motion:no-preference){
  .js [data-reveal]:not(.is-in){opacity:0;translate:0 var(--reveal-y)}
  .js [data-reveal]{transition:opacity var(--dur-reveal) var(--ease-out) var(--reveal-delay,0ms),translate var(--dur-reveal) var(--ease-out) var(--reveal-delay,0ms),
    transform var(--dur-2) var(--ease-standard),box-shadow var(--dur-2) var(--ease-standard),border-color var(--dur-2) var(--ease-standard),background-color var(--dur-2) var(--ease-standard)}
  .js .is-in .eyebrow__rule{animation:ss-rule 900ms var(--ease-out) both}
  @keyframes ss-rule{from{transform:scaleX(0)}to{transform:scaleX(1)}}
  @view-transition{navigation:auto}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  /* stage 3 fix: the .01ms rule above makes every element transition `all`, including the inherited visibility of the
     menu links, so they were still hidden when main.js moved focus into the opening menu. No transitions in the menu. */
  .js .nav,.js .nav *{transition-duration:0s!important;transition-delay:0s!important}
}

/* ---------- 18 · Print ---------- */
@media print{
  [data-reveal]{opacity:1!important;translate:none!important;transition:none!important}
  .fraud-strip,.site-header,.menu-btn,.picker,.form-panel,.sp-strip,.laurel,.cta-band{display:none!important}
  .t-navy,.t-mist,.t-light{background:#FFFFFF!important;color:#0D1F2B!important}
  .t-navy *{color:#0D1F2B!important}
  a{color:#0D1F2B}
  .section{padding-block:24px}
}