/* =========================================================
   AMERICAN BUSINESS FUNDS — 2026 DESIGN SYSTEM
   Logo-aligned palette, mobile-first, conversion-focused
   Red  #D40101   Navy #072D79   Ink #1A1A1A
   ========================================================= */

:root{
  --red:#d40101;
  --red-600:#b50101;
  --red-700:#8f0101;
  --red-50:#fde9e9;
  --red-100:#f9cfcf;
  --navy:#072d79;
  --navy-600:#05235f;
  --navy-700:#041b49;
  --navy-50:#e9eef8;
  --navy-100:#cdd7ec;
  --ink:#1a1a1a;
  --slate:#3a4455;
  --muted:#6b7385;
  --line:#e5e7ee;
  --bg:#ffffff;
  --bg-soft:#f6f7fb;
  --bg-cream:#fbfaf6;
  --white:#ffffff;
  --star:#d40101;
  --stripe:#f2eee6;
  --radius-sm:8px;
  --radius:14px;
  --radius-lg:22px;
  --shadow-sm:0 1px 2px rgba(16,24,40,.06),0 1px 3px rgba(16,24,40,.06);
  --shadow:0 8px 24px rgba(7,45,121,.08),0 2px 6px rgba(7,45,121,.06);
  --shadow-lg:0 24px 60px rgba(7,45,121,.18);
  --shadow-red:0 10px 28px rgba(212,1,1,.28);
  --ease:cubic-bezier(.2,.7,.2,1);
  --ff:"Poppins",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --ff-display:"Poppins",system-ui,sans-serif;
  --container:1200px;
  --header-h:84px;
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:var(--ff);
  font-size:16px;
  line-height:1.65;
  color:var(--ink);
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:none;transition:color .2s var(--ease)}
a:hover{color:var(--red)}
p{margin:0 0 1rem}
ul{margin:0;padding:0;list-style:none}
iframe{border:0}
button{font-family:inherit}

/* ---------- Typography ---------- */
h1,h2,h3,h4,h5,h6{
  font-family:var(--ff-display);
  color:var(--ink);
  margin:0 0 .6em;
  line-height:1.18;
  letter-spacing:-.01em;
  font-weight:700;
}
h1{font-size:clamp(2rem,5vw,3.35rem);letter-spacing:-.02em}
h2{font-size:clamp(1.65rem,3.6vw,2.4rem)}
h3{font-size:clamp(1.25rem,2.4vw,1.6rem)}
h4{font-size:1.2rem}
h5{font-size:1.05rem}
h6{font-size:.95rem;text-transform:uppercase;letter-spacing:.08em}
.fw-600{font-weight:600}
.font-alt{font-family:var(--ff-display)}
.dark-color{color:var(--ink) !important}
.white-color{color:#fff !important}
.text-white{color:#fff !important}
.text-white h1,.text-white h2,.text-white h3,.text-white h4,.text-white h5{color:#fff}
.large-text{font-size:1.12rem;color:var(--slate)}

/* ---------- Container / Layout ---------- */
.container,.wide-container{
  width:100%;max-width:var(--container);margin:0 auto;padding:0 20px;
}
.wide-container{max-width:1360px}
@media(min-width:992px){
  .container{padding:0 28px}
}

/* ---------- Sections ---------- */
section{position:relative}
.light-bg{background:var(--bg-soft)}
.p-t-78{padding-top:calc(var(--header-h) + 48px)}
.p-tb-150{padding:clamp(60px,10vw,120px) 0}
.p-tb-100{padding:clamp(50px,8vw,90px) 0}
.m-tb-100{margin:clamp(50px,8vw,90px) 0}
.m-tb-20{margin:clamp(12px,2vw,24px) 0}
.section-pad{padding:clamp(60px,8vw,100px) 0}
.section-title{margin-bottom:2rem}
.section-title h1{margin-bottom:.75rem}
.mini-section{padding:48px 0}
.py-5{padding-top:3rem;padding-bottom:3rem}
.pb-5{padding-bottom:3rem}
.mt-3{margin-top:1rem}.mt-5{margin-top:3rem}
.mb-0{margin-bottom:0 !important}.mb-5{margin-bottom:2.5rem}
.m-15px-tb{margin-top:15px;margin-bottom:15px}
.m-45px-b{margin-bottom:45px}
.md-m-15px-tb{margin:15px 0}

/* ---------- ts-title (section heading) ---------- */
.ts-title{position:relative;margin-bottom:1.5rem;padding-top:12px}
.ts-title::before{
  content:"";display:block;width:54px;height:4px;
  background:linear-gradient(90deg,var(--red) 0 50%,var(--navy) 50% 100%);
  border-radius:4px;margin-bottom:14px;
}
.ts-title h2{margin-bottom:.5rem;color:var(--ink)}
.text-center .ts-title::before,.ts-xs-text-center .ts-title::before{margin-left:auto;margin-right:auto}
.ts-title.text-center{text-align:center}

/* ---------- Buttons ---------- */
.btn,.read-more .btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.55rem;
  font-weight:600;font-size:.98rem;letter-spacing:.01em;
  padding:.85rem 1.55rem;border-radius:999px;
  border:2px solid transparent;cursor:pointer;
  transition:transform .2s var(--ease),box-shadow .2s var(--ease),background .2s var(--ease),color .2s var(--ease),border-color .2s var(--ease);
  text-decoration:none;line-height:1.2;white-space:nowrap;
}
.btn:focus-visible{outline:3px solid rgba(212,1,1,.35);outline-offset:2px}
.btn-primary{background:var(--red);color:#fff !important;box-shadow:var(--shadow-red)}
.btn-primary:hover{background:var(--red-600);color:#fff !important;transform:translateY(-2px);box-shadow:0 14px 34px rgba(212,1,1,.38)}
.btn-primary:active{transform:translateY(0)}
.btn-secondary{background:var(--navy);color:#fff !important}
.btn-secondary:hover{background:var(--navy-600);color:#fff !important;transform:translateY(-2px)}
.btn-outline{background:transparent;border-color:var(--red);color:var(--red) !important}
.btn-outline:hover{background:var(--red);color:#fff !important}
.btn-outline-white{background:transparent;border-color:rgba(255,255,255,.7);color:#fff !important}
.btn-outline-white:hover{background:#fff;color:var(--red) !important;border-color:#fff}
.btn-sm{padding:.55rem 1.1rem;font-size:.9rem}
.btn-lg{padding:1rem 1.9rem;font-size:1.05rem}
.btn i{font-size:.85em;transition:transform .2s var(--ease)}
.btn:hover i{transform:translateX(3px)}
.btn-link,a.btn-link{background:none;padding:.5rem 0;color:var(--navy);border-bottom:2px solid currentColor;border-radius:0;display:inline-block}
.btn-link.text-white{color:#fff !important;border-color:rgba(255,255,255,.7)}
.btn-link:hover{color:var(--red);border-color:var(--red)}
.ts-width__auto{width:auto}
.mr-2{margin-right:.5rem}.mr-3{margin-right:1rem}.mr-4{margin-right:1.5rem}
.ml-3{margin-left:1rem}.ml-auto{margin-left:auto}
.my-2{margin-top:.5rem;margin-bottom:.5rem}
.m-1{margin:.25rem}
.px-3{padding-left:1rem;padding-right:1rem}
.ts-mt__n-10{margin-top:-4rem}

/* ---------- Navigation ---------- */
#ts-hero{position:relative;z-index:100}
.navbar{
  position:fixed;top:0;left:0;right:0;z-index:100;
  background:#fff !important;
  border-bottom:1px solid var(--line);
  box-shadow:0 2px 10px rgba(7,45,121,.06);
  transition:box-shadow .25s var(--ease),padding .25s var(--ease);
  padding:14px 0;
}
.navbar .container{display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;position:relative}
.navbar-brand{display:flex;align-items:center;padding:0;margin:0;flex-shrink:0}
.logosiz{height:48px;width:auto;max-width:240px;object-fit:contain}

/* ----- Hamburger button (mobile only) ----- */
.abf-hamburger{
  display:none;
  appearance:none;-webkit-appearance:none;
  background:var(--navy);color:#fff;border:0;border-radius:10px;
  width:48px;height:44px;padding:0;cursor:pointer;user-select:none;
  align-items:center;justify-content:center;
  transition:background .2s var(--ease);
  z-index:210;
}
.abf-hamburger:hover,.abf-hamburger:focus-visible{background:var(--red);outline:none}
.abf-hamburger__bars{position:relative;display:block;width:22px;height:16px}
.abf-hamburger__bars span{
  position:absolute;left:0;right:0;height:2px;background:#fff;border-radius:2px;
  transition:transform .25s var(--ease),top .25s var(--ease),opacity .2s var(--ease);
}
.abf-hamburger__bars span:nth-child(1){top:0}
.abf-hamburger__bars span:nth-child(2){top:7px}
.abf-hamburger__bars span:nth-child(3){top:14px}
.abf-hamburger.is-open .abf-hamburger__bars span:nth-child(1){top:7px;transform:rotate(45deg)}
.abf-hamburger.is-open .abf-hamburger__bars span:nth-child(2){opacity:0}
.abf-hamburger.is-open .abf-hamburger__bars span:nth-child(3){top:7px;transform:rotate(-45deg)}

/* ----- Nav panel ----- */
.abf-nav-panel{display:flex;align-items:center;flex:1 1 auto;justify-content:flex-end}
.abf-nav-backdrop{display:none}
.navbar-nav{display:flex;align-items:center;gap:.25rem;list-style:none;margin:0;padding:0}
.nav-item,.nav-link{position:relative}
.navbar .nav-link,.navbar .nav-item.nav-link{
  color:var(--ink) !important;font-weight:500;padding:.55rem .9rem;border-radius:10px;
  font-size:.96rem;transition:color .2s var(--ease),background .2s var(--ease);
  display:inline-flex;align-items:center;gap:.35rem;
}
.navbar .nav-link:hover,.navbar .nav-item.nav-link:hover{color:var(--red) !important;background:var(--red-50)}
.navbar .nav-link.color-dark{color:var(--ink) !important}
.navbar .nav-link[href^="tel:"]{color:var(--navy) !important;font-weight:600}
.navbar .nav-link[href^="tel:"] i{color:var(--red);margin-right:.3rem}
.navbar .btn{padding:.7rem 1.25rem}

/* Dropdown */
.navbar li.nav-link{list-style:none;cursor:pointer}
.navbar li.nav-link > a{display:inline-flex;align-items:center;gap:.35rem;color:inherit;text-decoration:none;width:100%}
.navbar .dropdown{
  position:absolute;top:calc(100% + 10px);left:50%;transform:translateX(-50%) translateY(8px);
  min-width:260px;background:#fff;border-radius:14px;box-shadow:var(--shadow-lg);
  padding:8px;opacity:0;visibility:hidden;transition:opacity .18s var(--ease),transform .18s var(--ease);
  border:1px solid var(--line);
}
.navbar .nav-link:hover .dropdown,
.navbar li.nav-link:hover .dropdown,
.navbar li.nav-link:focus-within .dropdown,
.navbar li.nav-link.open .dropdown{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.dropdown ul{margin:0;padding:0;list-style:none}
.dropdown-link a{
  display:block;padding:.65rem .85rem;border-radius:8px;color:var(--ink);font-weight:500;font-size:.95rem;
  transition:background .15s var(--ease),color .15s var(--ease);
}
.dropdown-link a:hover{background:var(--red-50);color:var(--red)}
.navbar .dropdown::before{
  content:"";position:absolute;top:-6px;left:50%;transform:translateX(-50%) rotate(45deg);
  width:12px;height:12px;background:#fff;border-top:1px solid var(--line);border-left:1px solid var(--line);
}
/* Invisible bridge that keeps :hover alive while the cursor travels the
   10px gap between "Financing Programs" and the dropdown. Desktop only —
   mobile uses .open toggling instead of :hover. */
@media(min-width:992px){
  .navbar .dropdown::after{
    content:"";position:absolute;left:0;right:0;top:-14px;height:14px;
  }
}

@media(max-width:991.98px){
  :root{--header-h:72px}
  .navbar{padding:10px 0}
  .navbar .container{padding-left:20px !important;padding-right:20px !important}
  .logosiz{height:40px}
  .abf-hamburger{display:inline-flex !important}
  .abf-nav-panel{
    position:fixed;top:var(--header-h);left:0;right:0;bottom:0;
    background:#fff;flex-direction:column;justify-content:flex-start;align-items:stretch;
    padding:18px 18px 28px;overflow-y:auto;
    border-top:1px solid var(--line);
    z-index:200;
    transform:translateX(100%);
    transition:transform .28s var(--ease);
    box-shadow:-8px 0 24px rgba(7,45,121,.08);
  }
  .abf-nav-panel.is-open{transform:translateX(0)}
  .abf-nav-backdrop{
    display:block;position:fixed;inset:var(--header-h) 0 0 0;
    background:rgba(10,26,68,.45);opacity:0;visibility:hidden;
    transition:opacity .25s var(--ease),visibility .25s var(--ease);
    z-index:199;border:0;padding:0;cursor:pointer;
  }
  body.nav-open .abf-nav-backdrop{opacity:1;visibility:visible}
  body.nav-open{overflow:hidden}
  .navbar-nav{flex-direction:column;align-items:stretch;width:100%;gap:2px}
  .navbar .nav-link,.navbar .nav-item.nav-link{
    width:100%;padding:1rem .9rem;border-radius:10px;
    border-bottom:1px solid var(--line);font-size:1rem;
  }
  .navbar li.nav-link{display:block;padding:0;border-bottom:1px solid var(--line)}
  .navbar li.nav-link > a{
    display:flex;width:100%;justify-content:space-between;align-items:center;
    padding:1rem .9rem;border-radius:10px;
  }
  .navbar li.nav-link.open > a{color:var(--red) !important;background:var(--red-50)}
  .navbar li.nav-link.open > a .fa-caret-down{transform:rotate(180deg)}
  .navbar li.nav-link > a .fa-caret-down{transition:transform .2s var(--ease)}
  .navbar .dropdown{
    position:static;transform:none;box-shadow:none;border:0;border-left:3px solid var(--red);
    margin:.35rem .9rem .75rem 1.5rem;padding:4px 0 4px 10px;border-radius:0;opacity:1;visibility:visible;
    min-width:0;background:transparent;display:none;width:auto;
  }
  .navbar .dropdown::before{display:none}
  .navbar li.nav-link.has-dropdown .dropdown,
  .navbar li.nav-link.has-dropdown.open .dropdown,
  .navbar li.nav-link.has-dropdown:hover .dropdown,
  .navbar li.nav-link.has-dropdown:focus-within .dropdown{
    transform:none;opacity:1;visibility:visible;
  }
  .navbar li.nav-link.has-dropdown .dropdown{display:none}
  .navbar li.nav-link.has-dropdown.open .dropdown{display:block}
  .navbar .dropdown ul{list-style:none;margin:0;padding:0}
  .navbar .dropdown-link a{padding:.75rem .5rem;font-size:.95rem}
  .navbar .btn.btn-primary{width:100%;margin-top:1rem}
  .navbar .nav-link[href^="tel:"]{border:2px solid var(--red);justify-content:center;color:var(--red) !important;margin-top:.5rem}
}
/* Body does NOT add top padding — every top-level section compensates for the fixed nav. */

/* ---------- Hero ---------- */
.ts-page-wrapper main{min-height:40vh}
section.p-t-78{
  color:#fff;
  background:
    radial-gradient(1200px 600px at 85% 10%,rgba(212,1,1,.28),transparent 60%),
    radial-gradient(900px 600px at 10% 90%,rgba(7,45,121,.9),transparent 70%),
    linear-gradient(135deg,#0a1a44 0%,#081740 40%,#12264f 70%,#4a0708 100%);
  padding:calc(var(--header-h) + 56px) 0 clamp(60px,9vw,120px);
  overflow:hidden;
  min-height:720px;
  display:flex;
  align-items:center;
}
@media(max-width:767.98px){section.p-t-78{min-height:0;display:block}}
section.p-t-78::before{
  content:"";position:absolute;inset:0;
  background-image:
    radial-gradient(circle at 20% 20%,rgba(255,255,255,.04) 0,transparent 2px),
    radial-gradient(circle at 70% 50%,rgba(255,255,255,.03) 0,transparent 2px);
  background-size:120px 120px;
  pointer-events:none;opacity:.6;
}
section.p-t-78 h1{color:#fff;margin-bottom:1rem}
section.p-t-78 p{color:rgba(255,255,255,.92);max-width:560px}
section.p-t-78 > .container{position:relative;z-index:2;width:100%}
section.p-t-78 .row{position:relative;z-index:2}
.w-75{max-width:560px;width:auto}

/* Hero iframe card lives inside hero, anchored naturally, with a negative
   bottom margin that lifts it slightly over the section below. */
section.p-t-78 .padiframe{margin-bottom:-60px}
@media(max-width:767.98px){
  section.p-t-78 .padiframe{margin-bottom:-30px}
}

/* Subpage hero */
.mainherosize,.mainherosize2{
  position:relative;color:#fff;
  padding:calc(var(--header-h) + 60px) 0 clamp(70px,9vw,110px);
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-700) 55%,var(--red-700) 100%);
  overflow:hidden;
}
.mainherosize::after,.mainherosize2::after{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(600px 300px at 90% 20%,rgba(212,1,1,.35),transparent 60%),
    radial-gradient(700px 320px at 10% 80%,rgba(7,45,121,.55),transparent 70%);
  pointer-events:none;
}
.mainherosize{background-size:cover !important;background-position:center !important}
.mainherosize::before{
  content:"";position:absolute;inset:0;
  background:linear-gradient(135deg,rgba(7,45,121,.92) 0%,rgba(8,23,64,.88) 55%,rgba(143,1,1,.8) 100%);
}
.mainherosize h1,.mainherosize2 h1{color:#fff;margin-bottom:.25rem}
.mainherosize p,.mainherosize2 p{color:rgba(255,255,255,.92);max-width:620px}
.mainherosize .container,.mainherosize2 .container{position:relative;z-index:2}
.mainherosize .row,.mainherosize2 .row{position:relative;z-index:2}
.titlemobmargtop{margin-top:0}

/* Hero iframe wrapper */
.padiframe{
  background:#fff;border-radius:18px;box-shadow:var(--shadow-lg);
  overflow:hidden;display:block;width:100%;max-width:460px;margin:0 auto;
}
.shadiframe{box-shadow:0 28px 70px rgba(0,0,0,.28)}
.mca-w-fix{max-width:460px;width:100%}
.box-shadow{box-shadow:var(--shadow-lg)}

/* ---------- Perk cards ---------- */
.perk_component{
  background:#fff;border-radius:var(--radius);padding:28px 24px;
  height:100%;box-shadow:var(--shadow-sm);border:1px solid var(--line);
  transition:transform .25s var(--ease),box-shadow .25s var(--ease),border-color .25s var(--ease);
  position:relative;overflow:hidden;
}
.perk_component::before{
  content:"";position:absolute;left:0;top:0;bottom:0;width:4px;
  background:linear-gradient(180deg,var(--red) 0 50%,var(--navy) 50% 100%);
  transform:scaleY(0);transform-origin:top;transition:transform .3s var(--ease);
}
.perk_component:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.perk_component:hover::before{transform:scaleY(1)}
.perks-image-wrapper{
  display:inline-flex;align-items:center;justify-content:center;
  width:60px;height:60px;border-radius:14px;background:var(--red-50);margin-bottom:18px;
}
.perks-image-wrapper img{width:30px;height:30px;object-fit:contain}
.perk_heading h3,.heading-style-h5{font-size:1.15rem;font-weight:700;color:var(--navy);margin:0 0 .5rem}
.perk_description p{color:var(--slate);font-size:.95rem;margin:0}

/* mini-section stat pills */
.mini-section{background:var(--bg-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.mini-section .row > [class*="col-"]{padding:14px 10px}
.mini-section .heading-style-h5{color:var(--red);font-size:1.45rem;font-weight:700;margin-bottom:.35rem}
.mini-section p{color:var(--slate);font-size:.95rem}

/* ---------- How it works / step cards ---------- */
#how-it-works .ts-title{text-align:center}
#how-it-works .ts-title::before{margin-left:auto;margin-right:auto}
.ts-item{height:100%;margin-bottom:28px}
.ts-item-content,.cuscard{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:32px 26px 28px;height:100%;text-align:left;
  box-shadow:var(--shadow-sm);transition:transform .25s var(--ease),box-shadow .25s var(--ease);
  position:relative;
}
.cuscard:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.ts-item-header figure.icon{margin:0 0 18px}
figure.icon .step{
  display:inline-flex;align-items:center;justify-content:center;
  width:58px;height:58px;border-radius:50%;font-size:1.4rem;font-weight:700;
  color:#fff;background:linear-gradient(135deg,var(--red) 0%,var(--red-600) 100%);
  box-shadow:var(--shadow-red);letter-spacing:0;
}
.ts-item-body h4{color:var(--navy);margin-bottom:.55rem;font-size:1.2rem}
.ts-item-body p{color:var(--slate);margin:0}

/* ---------- Collapse / accordion ---------- */
.list-group{border-radius:var(--radius);overflow:hidden}
.list-group-flush .list-group-item{border:0;border-bottom:1px solid var(--line)}
.list-group-flush .list-group-item:last-child{border-bottom:0}
.list-group-item{
  background:transparent;padding:.95rem 0;font-weight:600;color:var(--ink);cursor:pointer;
  display:flex;align-items:center;justify-content:space-between;gap:.5rem;
  transition:color .15s var(--ease);
}
.list-group-item::after{
  content:"\f067";font-family:"Font Awesome 5 Free";font-weight:900;color:var(--red);
  transition:transform .2s var(--ease);font-size:.8rem;
}
.list-group-item[aria-expanded="true"]::after{content:"\f068"}
.list-group-item:hover{color:var(--red)}
.list-group-item.border-top-0{border-top:0}
.bg-transparent{background-color:transparent !important}
.pl-0{padding-left:0}
.collapse{display:none}
.collapse.show{display:block}
.collapse .small{font-size:.92rem;color:var(--slate);padding:0 0 1rem;margin:0;display:block}
.pt-3{padding-top:.75rem}

/* ---------- Image feature box ---------- */
.img-siz{
  width:100%;aspect-ratio:5/4;border-radius:var(--radius-lg);
  background-size:cover !important;background-position:center !important;
  box-shadow:var(--shadow);position:relative;overflow:hidden;
}
.img-siz::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(180deg,rgba(7,45,121,0) 50%,rgba(7,45,121,.2) 100%);
  pointer-events:none;
}
@media(min-width:768px){.img-siz{aspect-ratio:4/4}}

/* Alternating two-column sections */
.p-tb-100 .row,.p-tb-150 .row,.m-tb-100 .row{align-items:center}
.p-tb-150 .row [class*="col-sm-6"],.p-tb-100 .row [class*="col-sm-6"]{margin-bottom:24px}

/* ---------- Numbers / stats section ---------- */
#numbers{
  position:relative;color:#fff;overflow:hidden;
  background:linear-gradient(135deg,var(--navy-700) 0%,var(--navy) 45%,var(--red-700) 100%) !important;
}
#numbers::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(600px 300px at 80% 10%,rgba(255,255,255,.08),transparent 60%),
    radial-gradient(800px 300px at 10% 90%,rgba(212,1,1,.35),transparent 60%);
  pointer-events:none;
}
#numbers .container{position:relative;z-index:2}
#numbers h3{color:#fff;text-align:center;margin-bottom:2.5rem;font-size:clamp(1.5rem,3vw,2.1rem)}
.ts-promo-numbers{padding:2rem 0}
.ts-promo-number{padding:20px 10px;text-align:center}
.ts-promo-number h2{
  color:#fff;font-size:clamp(2rem,4vw,3rem);margin-bottom:.25rem;
  background:linear-gradient(180deg,#fff 0%,#ffd9d9 120%);
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
}
.ts-promo-number h5{color:rgba(255,255,255,.88);font-weight:500;text-transform:uppercase;letter-spacing:.06em;font-size:.82rem}

/* ---------- Industry gallery ---------- */
.brand-logo{
  border-radius:var(--radius);overflow:hidden;position:relative;
  box-shadow:var(--shadow-sm);transition:transform .25s var(--ease),box-shadow .25s var(--ease);
  aspect-ratio:1/1;background:var(--bg-soft);
}
.brand-logo::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(180deg,rgba(7,45,121,0) 50%,rgba(7,45,121,.55) 100%);
  opacity:.9;
}
.brand-logo:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.busimg{width:100%;height:100%;object-fit:cover;display:block;transition:transform .5s var(--ease)}
.brand-logo:hover .busimg{transform:scale(1.06)}

/* ---------- Footer ---------- */
#ts-footer{margin-top:0}
#contact{
  background:linear-gradient(160deg,var(--navy-700) 0%,var(--navy) 55%,var(--red-700) 120%) !important;
  color:#fff;padding:80px 0 48px;position:relative;overflow:hidden;
}
#contact::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(900px 400px at 90% 10%,rgba(212,1,1,.22),transparent 60%),
    radial-gradient(700px 400px at 5% 95%,rgba(7,45,121,.5),transparent 60%);
  pointer-events:none;
}
#contact .container,#contact .wide-container{position:relative;z-index:2}
#contact .ts-box{
  background:transparent;border:1px solid rgba(255,255,255,.12);border-radius:var(--radius-lg);
  backdrop-filter:blur(4px);padding:clamp(28px,4vw,48px);margin-bottom:0;
}
#contact .ts-box.p-5{padding:clamp(28px,4vw,48px)}
#contact h6{
  color:#fff;font-size:.85rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:1.1rem;
  font-weight:600;
}
#contact h6::after{
  content:"";display:block;width:32px;height:2px;background:var(--red);margin-top:.55rem;border-radius:2px;
}
#contact .nav.flex-column{flex-direction:column;display:flex;gap:2px}
#contact .nav-item a,#contact .nav-item p,#contact p{color:rgba(255,255,255,.82);font-size:.95rem;line-height:1.7}
#contact .nav-item a{display:inline-block;padding:.15rem 0;transition:color .2s var(--ease),transform .2s var(--ease)}
#contact .nav-item a:hover{color:var(--red) !important;transform:translateX(4px)}
#contact img{filter:brightness(0) invert(1);max-width:220px}
#contact p.dark-color{color:rgba(255,255,255,.82) !important}
#contact p a[href^="tel:"]{color:#fff;font-weight:600;font-size:1.05rem}
#contact p a[href^="tel:"]:hover{color:var(--red) !important}
#contact .read-more .btn{margin-top:8px}

/* ---------- Animations ---------- */
/* Content is visible by default. Hidden pre-reveal only when JS has opted in
   by adding `.has-js` to the <html> element — that way content never gets
   stuck invisible if the reveal script doesn't run. */
[data-animate]{transition:opacity .7s var(--ease),transform .7s var(--ease)}
.has-js [data-animate]{opacity:0;transform:translateY(24px)}
.has-js [data-animate].ts-animated,
.has-js [data-animate].animated,
.has-js [data-animate].in-view{opacity:1;transform:translateY(0)}
@media(prefers-reduced-motion:reduce){
  .has-js [data-animate]{opacity:1;transform:none;transition:none}
}

/* ---------- Helpers ---------- */
.text-center{text-align:center}
.d-none{display:none}
.d-block{display:block}
.d-inline-block{display:inline-block}
@media(min-width:768px){.d-md-block{display:block !important}}
.align-items-center{align-items:center}
.align-self-center{align-self:center}
.justify-content-center{justify-content:center}
.mobilecenter{text-align:left}
.mobilebotmarg{margin-bottom:0}
.mobiletopmarg{margin-top:0}
.w-50px{width:50px}
.icon-height-medium{height:auto}
.small{font-size:.875em}

/* fundtermdes equal-height helper */
.fundtermdes{display:flex;flex-direction:column;justify-content:center;height:100%}

/* ---------- Mobile refinements ---------- */
@media(max-width:767.98px){
  section.p-t-78{padding-top:calc(var(--header-h) + 28px);text-align:center}
  section.p-t-78 h1{font-size:2rem}
  section.p-t-78 p,.w-75{max-width:100%;margin-left:auto;margin-right:auto}
  section.p-t-78 .btn,section.p-t-78 .btn-link{display:inline-flex}
  section.p-t-78 .btn.mr-4{margin-right:0 !important;margin-bottom:.5rem}
  section.p-t-78 .trust-row,
  .mainherosize .trust-row,
  .mainherosize2 .trust-row{justify-content:center !important;padding-left:0 !important;padding-right:0 !important}
  .mainherosize,.mainherosize2{padding:calc(var(--header-h) + 40px) 0 60px;text-align:center}
  .mainherosize .btn.mr-4,.mainherosize2 .btn.mr-4{margin-right:0 !important;margin-bottom:.5rem}
  .mobilecenter{text-align:center}
  .mobilebotmarg{margin-bottom:1rem}
  .mobiletopmarg{margin-top:1rem}
  .padiframe{margin:24px auto 0;max-width:100%}
  .mca-w-fix{max-width:100%}
  .ts-title{text-align:center}
  .ts-title::before{margin-left:auto;margin-right:auto}
  .list-group-item{text-align:left}
  #contact h6{margin-top:1.5rem}
  #contact h6::after{margin-top:.55rem}
  #contact [class*="col-"]{text-align:left}
  .p-tb-100,.p-tb-150{padding-top:50px;padding-bottom:50px}
  .m-tb-100{margin:40px 0}
  .ts-mt__n-10{margin-top:0}
  .brand-logo{aspect-ratio:4/3}
  .ts-item-content,.cuscard{padding:24px 20px}
  figure.icon .step{width:50px;height:50px;font-size:1.2rem}
  #numbers h3{font-size:1.5rem}
  .ts-promo-number h2{font-size:2.2rem}
  .ts-promo-number h5{font-size:.75rem}
}

@media(min-width:768px){
  .mobilecenter{text-align:left}
}

/* ---------- Legal / content pages ---------- */
.legal-page{padding:calc(var(--header-h) + 40px) 0 80px}
.legal-page .container{max-width:920px}
.legal-page h1{margin-bottom:1.5rem;color:var(--navy)}
.legal-page h2{color:var(--ink);margin:2rem 0 .75rem;font-size:1.5rem}
.legal-page h3{color:var(--slate);font-size:1.15rem;margin:1.5rem 0 .5rem}
.legal-page p,.legal-page li{color:var(--slate);line-height:1.75}
.legal-page ul{list-style:disc;padding-left:1.25rem;margin:0 0 1rem}
.legal-page ol{list-style:decimal;padding-left:1.25rem;margin:0 0 1rem}

/* ---------- CTA band (reusable) ---------- */
.cta-band{
  background:linear-gradient(135deg,var(--red) 0%,var(--red-700) 100%);
  color:#fff;border-radius:var(--radius-lg);padding:48px 36px;text-align:center;
  box-shadow:var(--shadow-red);position:relative;overflow:hidden;
}
.cta-band::before{
  content:"";position:absolute;inset:0;background:
    radial-gradient(400px 200px at 10% 10%,rgba(255,255,255,.18),transparent 60%),
    radial-gradient(400px 200px at 90% 90%,rgba(7,45,121,.35),transparent 60%);
  pointer-events:none;
}
.cta-band > *{position:relative;z-index:1}
.cta-band h2,.cta-band h3{color:#fff;margin-bottom:.6rem}
.cta-band p{color:rgba(255,255,255,.92);max-width:620px;margin:0 auto 1.4rem}
.cta-band .btn-primary{background:#fff;color:var(--red) !important;box-shadow:none}
.cta-band .btn-primary:hover{background:var(--navy);color:#fff !important}

/* ---------- Trust badge row ---------- */
.trust-row{
  display:flex;flex-wrap:wrap;gap:14px 22px;align-items:center;justify-content:center;
  padding:18px 0;
}
.trust-row .trust-badge{
  display:inline-flex;align-items:center;gap:.55rem;padding:.5rem .9rem;
  background:#fff;border:1px solid var(--line);border-radius:999px;
  font-size:.85rem;font-weight:600;color:var(--slate);box-shadow:var(--shadow-sm);
}
.trust-row .trust-badge i{color:var(--red)}

/* ---------- Email form ---------- */
.abf-form{display:grid;gap:14px;max-width:560px}
.abf-form .form-group{display:flex;flex-direction:column;gap:6px;position:relative}
.abf-form label{font-size:.85rem;font-weight:600;color:var(--slate);text-transform:uppercase;letter-spacing:.06em}
.abf-form input,.abf-form textarea,.abf-form select{
  border:1.5px solid var(--line);border-radius:12px;padding:.85rem 1rem;font:inherit;
  background:#fff;color:var(--ink);transition:border-color .2s var(--ease),box-shadow .2s var(--ease);
  width:100%;
}
.abf-form input:focus,.abf-form textarea:focus,.abf-form select:focus{
  border-color:var(--red);box-shadow:0 0 0 4px rgba(212,1,1,.14);outline:none;
}
.abf-form textarea{min-height:140px;resize:vertical}
.abf-form .error{color:var(--red);font-size:.82rem;margin-top:2px}
.abf-form button[type=submit]{margin-top:6px;width:100%}
.status-icon{
  display:inline-flex;align-items:center;justify-content:center;
  width:56px;height:56px;border-radius:50%;margin:18px auto;font-size:1.5rem;
}
.status-icon.valid{background:#eafaf2;color:#1a9e5e}
.status-icon.invalid{background:var(--red-50);color:var(--red)}

/* ---------- Value-prop split stat card ---------- */
.stat-split{
  display:grid;grid-template-columns:1fr 1fr;gap:0;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  overflow:hidden;box-shadow:var(--shadow-sm);
}
.stat-split > div{padding:22px 20px;text-align:center;border-right:1px solid var(--line)}
.stat-split > div:last-child{border-right:0}
.stat-split .num{display:block;font-size:1.6rem;font-weight:700;color:var(--red);margin-bottom:.15rem}
.stat-split .lbl{font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted)}

/* ---------- Small layout polish ---------- */
.ts-box{background:#fff;border-radius:var(--radius-lg);padding:28px;box-shadow:var(--shadow-sm)}

/* Legacy cleanups */
.ts-background,.ts-background-image,.ts-parallax-element,.ts-svg{display:none}

/* ---------- Proof Strip (replaces old .perk_component row) ---------- */
.proof-strip{
  position:relative;
  padding:clamp(80px,9vw,120px) 0 clamp(56px,7vw,88px);
  background:var(--bg-cream);
  border-bottom:1px solid var(--line);
  overflow:hidden;
}
.proof-strip::before{
  content:"";position:absolute;top:0;left:0;right:0;height:1px;z-index:2;
  background:linear-gradient(90deg,transparent 0%,rgba(212,1,1,.25) 50%,transparent 100%);
}
.proof-strip::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:
    radial-gradient(600px 240px at 8% 0%,rgba(7,45,121,.05),transparent 60%),
    radial-gradient(600px 240px at 92% 100%,rgba(212,1,1,.05),transparent 60%);
}
.proof-strip > .container{position:relative;z-index:1}

.proof-strip__header{text-align:center;max-width:720px;margin:0 auto 2.5rem}
.proof-strip__eyebrow{
  display:inline-flex;align-items:center;gap:.5rem;
  padding:.45rem 1rem;background:#fff;border:1px solid var(--red-100);
  color:var(--red);font-size:.76rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  border-radius:999px;margin-bottom:1rem;box-shadow:0 4px 12px rgba(212,1,1,.08);
}
.proof-strip__eyebrow i{font-size:.72rem}
.proof-strip__header h2{margin:0 0 .6rem;color:var(--ink);letter-spacing:-.02em}
.proof-strip__header > p{color:var(--slate);font-size:1.02rem;margin:0}

.proof-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:22px;
  margin-bottom:2.8rem;align-items:stretch;
}
@media(max-width:991.98px){.proof-grid{grid-template-columns:1fr;gap:16px}}

.proof-card{
  position:relative;background:#fff;border:1px solid var(--line);border-radius:22px;
  padding:30px 28px 26px;box-shadow:0 4px 14px rgba(7,45,121,.05);
  transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s var(--ease);
  display:flex;flex-direction:column;overflow:hidden;min-height:100%;
}
.proof-card::before{
  content:"";position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--red) 0 42%,var(--navy) 42% 100%);
  transform-origin:left;transform:scaleX(.28);
  transition:transform .5s var(--ease);
}
.proof-card:hover{
  transform:translateY(-6px);
  box-shadow:0 22px 44px rgba(7,45,121,.12);
  border-color:transparent;
}
.proof-card:hover::before{transform:scaleX(1)}

.proof-card__top{
  display:flex;align-items:center;justify-content:space-between;gap:1rem;margin-bottom:1.1rem;
}
.proof-card__icon{
  width:54px;height:54px;flex-shrink:0;
  display:inline-flex;align-items:center;justify-content:center;
  border-radius:16px;
  background:linear-gradient(135deg,var(--red) 0%,var(--red-700) 100%);
  color:#fff;font-size:1.3rem;box-shadow:0 8px 18px rgba(212,1,1,.28);
}
.proof-card__label{display:flex;flex-direction:column;align-items:flex-end;line-height:1.25}
.proof-card__label-num{color:var(--red);font-size:.8rem;font-weight:800;letter-spacing:.12em}
.proof-card__label-txt{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}

.proof-card__stat{
  font-family:var(--ff-display);
  font-size:clamp(2.1rem,3.3vw,2.7rem);
  font-weight:800;color:var(--navy);
  line-height:1.05;letter-spacing:-.025em;margin:0 0 .5rem;
  display:flex;align-items:baseline;gap:.35rem;flex-wrap:wrap;
  font-variant-numeric:tabular-nums;
}
.proof-card__stat .unit{
  font-size:.82rem;font-weight:600;color:var(--muted);
  text-transform:uppercase;letter-spacing:.08em;
}
.proof-card__title{
  font-size:1.1rem;font-weight:700;color:var(--ink);
  margin:0 0 .55rem;line-height:1.35;
}
.proof-card__desc{color:var(--slate);font-size:.94rem;margin:0;line-height:1.65}
.proof-card__foot{
  margin-top:1.3rem;padding-top:1rem;border-top:1px dashed var(--line);
  display:flex;align-items:center;gap:.55rem;
  font-size:.85rem;font-weight:600;color:var(--navy);
}
.proof-card__foot i{color:var(--red);font-size:.9rem;flex-shrink:0}

.proof-trust{
  display:flex;flex-direction:column;align-items:center;gap:1.1rem;
  padding-top:2.2rem;border-top:1px solid var(--line);
}
.proof-trust__label{
  display:inline-flex;align-items:center;gap:.75rem;
  font-size:.74rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;
  color:var(--muted);
}
.proof-trust__label::before,.proof-trust__label::after{
  content:"";width:36px;height:1px;background:var(--line);display:inline-block;
}
.proof-trust__row{
  display:flex;flex-wrap:wrap;gap:22px 44px;align-items:center;justify-content:center;
}
.proof-badge{
  display:inline-flex;align-items:center;gap:.75rem;
  opacity:.78;filter:grayscale(.35);
  transition:opacity .25s var(--ease),transform .25s var(--ease),filter .25s var(--ease);
}
.proof-badge:hover{opacity:1;transform:translateY(-2px);filter:grayscale(0)}
.proof-badge img{max-height:46px;width:auto;display:block}
@media(max-width:575.98px){
  .proof-trust__row{gap:18px 28px}
  .proof-badge img{max-height:34px}
}

/* Print */
@media print{.navbar,#contact,.cta-band{display:none}}