/* ServiceFinancial page — from the design canvas */
  :root { color-scheme: only light; }
  html { scroll-behavior: smooth; scroll-padding-top: 96px; }
  body { margin: 0; --brand: #16597B; --accent: #D4652A; --brand-deep: #0D3A50; --brand-ink: #082736; --canvas: #F2F5F7; --ink: #0B1A22; --body: #2B3B45; --muted: #5A6B76; --line: #E1E8EC; font-family: 'Onest', ui-sans-serif, system-ui, sans-serif; color: var(--ink); background: var(--canvas); -webkit-font-smoothing: antialiased; }
  * { box-sizing: border-box; }
  h1, h2, h3, p { margin: 0; }
  a { color: inherit; text-decoration: none; }
  button { font: inherit; color: inherit; }
  .page { --accent-soft: color-mix(in srgb, var(--accent) 40%, white); --accent-btn: color-mix(in srgb, var(--accent) 88%, black); --brand-tint: color-mix(in srgb, var(--brand) 9%, white); overflow-x: clip; }
  .wrap { max-width: 1200px; margin: 0 auto; padding-inline: clamp(20px, 4vw, 48px); }
  .ic { width: 20px; height: 20px; fill: currentColor; flex-shrink: 0; }
  .ic-s { width: 16px; height: 16px; }
  .eo { fill-rule: evenodd; }
  .st { fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
  .sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip-path: inset(50%); white-space: nowrap; border: 0; }
  .skip { position: absolute; left: 16px; top: -80px; z-index: 100; padding: 12px 18px; border-radius: 12px; background: #fff; color: var(--ink); font-weight: 600; box-shadow: 0 10px 24px -12px rgba(11,26,34,.4); transition: top .2s; }
  .skip:focus { top: 12px; }
  main:focus { outline: none; }
  :focus-visible { outline: 3px solid var(--brand); outline-offset: 3px; }
  .final :focus-visible, .footer :focus-visible { outline-color: #fff; }

  .site-header { position: sticky; top: 0; z-index: 60; background: rgba(242,245,247,.72); backdrop-filter: blur(10px); transition: background .3s, box-shadow .3s; }
  .site-header.scrolled { background: rgba(255,255,255,.9); box-shadow: 0 1px 0 var(--line), 0 12px 32px -22px rgba(11,26,34,.35); }
  .hdr { height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
  .brand { display: flex; align-items: center; gap: 12px; }
  .brand .mark { width: 42px; height: 38px; }
  .brand-text { display: flex; flex-direction: column; line-height: 1.1; }
  .brand-text b { font-size: 19px; font-weight: 700; color: var(--brand); letter-spacing: .01em; }
  .brand-text span { font-size: 11.5px; font-weight: 500; color: var(--muted); }
  .nav { display: flex; align-items: center; gap: 32px; }
  .nav a { font-size: 15px; font-weight: 500; background: linear-gradient(var(--accent), var(--accent)) left bottom / 0 2px no-repeat; padding-bottom: 3px; transition: background-size .3s; }
  .nav a:hover, .nav a.active { background-size: 100% 2px; }
  .nav a.active { color: var(--brand); font-weight: 600; }
  .hdr-cta { display: flex; align-items: center; gap: 10px; }
  .menu-btn { display: none; width: 44px; height: 44px; border-radius: 999px; border: 0; background: #fff; box-shadow: 0 1px 2px rgba(11,26,34,.08); align-items: center; justify-content: center; cursor: pointer; }
  .call-ic { display: none; width: 44px; height: 44px; border-radius: 999px; background: #fff; color: var(--brand); box-shadow: 0 1px 2px rgba(11,26,34,.08); place-items: center; }
  .mobile-menu { padding: 8px 20px 20px; display: flex; flex-direction: column; gap: 4px; background: #fff; border-top: 1px solid var(--line); }
  .mobile-menu a { padding: 12px 4px; font-size: 16px; font-weight: 500; border-bottom: 1px solid var(--line); }
  .mobile-menu .mm-cta { display: flex; flex-direction: column; gap: 10px; margin-top: 16px; }
  .mobile-menu .mm-cta .btn { padding: 0 26px; border-bottom: 0; }

  .btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; height: 52px; padding: 0 26px; border-radius: 999px; font-size: 16px; font-weight: 600; border: 0; cursor: pointer; transition: transform .2s; white-space: nowrap; }
  .btn:hover { transform: translateY(-2px); }
  .btn-accent { background: var(--accent-btn); color: #fff; box-shadow: 0 14px 30px -14px color-mix(in srgb, var(--accent) 70%, transparent); }
  .btn-white { background: #fff; color: var(--ink); box-shadow: 0 1px 2px rgba(11,26,34,.06), 0 8px 20px -12px rgba(11,26,34,.2); }
  .btn-ghost-dark { background: rgba(255,255,255,.08); color: #fff; box-shadow: inset 0 0 0 1px rgba(255,255,255,.22); }
  .btn-sm { height: 42px; padding: 0 18px; font-size: 14.5px; }
  .tagrow { display: flex; align-items: center; gap: 16px; }
  .tile { width: 62px; height: 62px; border-radius: 18px; background: #fff; display: grid; place-items: center; color: var(--accent); box-shadow: 0 1px 2px rgba(11,26,34,.04), 0 8px 18px -8px rgba(11,26,34,.14); flex-shrink: 0; }
  .tile .ic { width: 28px; height: 28px; }
  .tag { display: inline-flex; align-items: center; height: 32px; padding: 0 14px; border-radius: 999px; background: #fff; font-size: 11.5px; font-weight: 500; letter-spacing: .09em; text-transform: uppercase; box-shadow: 0 1px 2px rgba(11,26,34,.05); }
  .tag b { color: var(--accent-btn); font-weight: 700; margin-right: 6px; }
  .chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }
  .chip { display: inline-flex; align-items: center; gap: 8px; padding: 9px 16px 9px 12px; border-radius: 999px; background: #fff; border: 1px solid var(--line); font-size: 15px; }
  .chip .ic { width: 18px; height: 18px; color: var(--accent); }

  .hl { position: relative; display: inline-block; white-space: nowrap; isolation: isolate; }
  .brush { position: absolute; left: -0.2em; top: 0.1em; width: calc(100% + 0.4em); height: 92%; z-index: -1; fill: var(--accent-soft); animation: wipe .85s cubic-bezier(.65,.05,.25,1) .4s both; }
  .brush.hot { fill: var(--accent); }
  @keyframes wipe { from { clip-path: inset(0 100% 0 0); } to { clip-path: inset(0 0 0 0); } }

  .crumbs { list-style: none; padding: 0; margin: 28px 0 0; display: flex; flex-wrap: wrap; gap: 8px; font-size: 14px; color: var(--muted); }
  .crumbs li + li::before { content: '/'; margin-right: 8px; color: #8796A1; }
  .crumbs a { color: var(--brand); text-decoration: underline; text-underline-offset: 2px; }
  .svc-hero { display: grid; grid-template-columns: minmax(0,1.05fr) minmax(0,.95fr); gap: clamp(36px, 5vw, 72px); align-items: center; padding-block: clamp(32px, 5vw, 56px) clamp(48px, 6vw, 80px); }
  .svc-hero h1 { font-size: clamp(36px, 4.6vw, 58px); font-weight: 600; letter-spacing: -0.028em; line-height: 1.06; margin-top: 30px; text-wrap: balance; }
  .svc-hero .lead { font-size: clamp(17px, 1.4vw, 19px); line-height: 1.7; color: var(--body); margin-top: 18px; max-width: 560px; }
  .ctas { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 30px; }

  .frame { position: relative; border-radius: 32px; background: var(--brand-tint); padding: clamp(40px, 5vw, 64px) clamp(24px, 4vw, 52px); }
  .mock { position: relative; z-index: 2; max-width: 400px; margin: 0 auto; background: #fff; border-radius: 24px; padding: 24px; box-shadow: 0 1px 2px rgba(11,26,34,.05), 0 34px 60px -36px rgba(11,26,34,.45); }
  .mock-h { display: flex; align-items: center; gap: 12px; margin-bottom: 20px; }
  .eng-ic { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; background: var(--brand-tint); color: var(--brand); flex-shrink: 0; }
  .eng-ic.or { background: color-mix(in srgb, var(--accent) 14%, white); color: var(--accent); }
  .mock-t { font-size: 15.5px; font-weight: 600; }
  .mock-s { font-size: 12.5px; color: var(--muted); margin-top: 2px; }
  .toast { position: absolute; z-index: 3; display: flex; align-items: center; gap: 10px; background: #fff; border-radius: 999px; padding: 8px 16px 8px 8px; font-size: 13.5px; font-weight: 500; box-shadow: 0 1px 2px rgba(11,26,34,.06), 0 18px 34px -18px rgba(11,26,34,.5); white-space: nowrap; }
  .toast span.dot { width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; background: color-mix(in srgb, var(--accent) 16%, white); color: var(--accent); }
  .row { display: flex; align-items: center; justify-content: space-between; font-size: 13.5px; }
  .row .k { color: var(--muted); }
  .row .v { font-weight: 600; }
  .bar { height: 8px; border-radius: 6px; background: #EDF1F3; overflow: hidden; margin: 8px 0 14px; }
  .bar i { display: block; height: 100%; width: var(--w); border-radius: 6px; }

  .check { display: flex; align-items: center; justify-content: space-between; padding: 11px 14px; background: var(--canvas); border-radius: 12px; font-size: 13.5px; }
  .check + .check { margin-top: 8px; }
  .status { display: inline-flex; align-items: center; height: 28px; padding: 0 12px; border-radius: 999px; font-size: 12.5px; font-weight: 600; white-space: nowrap; }
  .s-done { background: #E2F3E8; color: #1F6A3E; }
  .s-prog { background: #FCEBDD; color: #93430F; }
  .s-sched { background: var(--brand-tint); color: var(--brand); }
  .step { display: flex; align-items: center; gap: 12px; font-size: 14px; }
  .step + .step { margin-top: 14px; }
  .step .n { width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--brand); color: #fff; }
  .step .n.todo { background: #fff; box-shadow: inset 0 0 0 1.5px var(--line); }
  .cols { display: flex; align-items: flex-end; gap: 8px; height: 76px; margin-top: 16px; }
  .cols i { flex: 1; border-radius: 6px; height: var(--h); }
  .stat { background: var(--canvas); border-radius: 14px; padding: 14px; }
  .stat small { font-size: 12px; color: var(--muted); }
  .stat div { font-size: 19px; font-weight: 700; margin-top: 4px; }

  .sec { padding-block: clamp(56px, 7vw, 96px); }
  .sec-title { font-size: clamp(28px, 3vw, 38px); font-weight: 600; letter-spacing: -0.02em; line-height: 1.1; }
  .sec-sub { font-size: 17px; line-height: 1.7; color: var(--body); margin-top: 10px; max-width: 620px; }
  .incl { margin-top: 32px; background: #fff; border-radius: 28px; padding: clamp(24px, 3.4vw, 40px); box-shadow: 0 1px 2px rgba(11,26,34,.04), 0 18px 40px -32px rgba(11,26,34,.35); }
  .incl h3 { font-size: 13px; font-weight: 600; letter-spacing: .09em; text-transform: uppercase; color: var(--muted); margin-bottom: 20px; }
  .incl-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 16px 32px; list-style: none; padding: 0; margin: 0; }
  .incl-grid li { display: flex; gap: 10px; align-items: flex-start; font-size: 15.5px; line-height: 1.45; }
  .incl-grid .ic { color: var(--accent); }
  .incl-group + .incl-group { margin-top: 30px; padding-top: 30px; border-top: 1px solid var(--line); }

  .qa { display: flex; flex-direction: column; gap: 12px; margin-top: 32px; max-width: 860px; }
  .qa details { background: #fff; border-radius: 22px; box-shadow: 0 1px 2px rgba(11,26,34,.04); }
  .qa summary { cursor: pointer; list-style: none; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 22px 24px; font-size: 17.5px; font-weight: 600; min-height: 44px; border-radius: 22px; }
  .qa summary::-webkit-details-marker { display: none; }
  .qa .plus { width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; background: var(--canvas); flex-shrink: 0; transition: transform .3s, background .3s, color .3s; }
  .qa details[open] .plus { transform: rotate(45deg); background: var(--accent-btn); color: #fff; }
  .qa details p { padding: 0 24px 24px; font-size: 16px; line-height: 1.7; color: var(--body); }

  .related { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 18px; margin-top: 32px; }
  .rel { position: relative; display: flex; flex-direction: column; gap: 10px; background: #fff; border-radius: 24px; padding: 24px; box-shadow: 0 1px 2px rgba(11,26,34,.04), 0 18px 40px -32px rgba(11,26,34,.35); transition: transform .2s; }
  .rel:hover { transform: translateY(-4px); }
  .rel .eng-ic { width: 46px; height: 46px; border-radius: 14px; }
  .rel b { font-size: 18px; font-weight: 600; margin-top: 6px; }
  .rel span { font-size: 15px; line-height: 1.55; color: var(--body); }
  .rel .more { margin-top: auto; padding-top: 8px; font-size: 15px; font-weight: 600; color: var(--accent-btn); display: inline-flex; align-items: center; gap: 6px; }

  .final { position: relative; overflow: hidden; border-radius: 40px; background: var(--brand-deep); color: #fff; text-align: center; padding: clamp(56px, 7vw, 88px) clamp(24px, 5vw, 64px); }
  .final h2 { font-size: clamp(32px, 4.4vw, 54px); font-weight: 600; letter-spacing: -0.028em; line-height: 1.06; position: relative; z-index: 2; }
  .final p { position: relative; z-index: 2; font-size: 18px; line-height: 1.7; color: rgba(255,255,255,.75); max-width: 520px; margin: 18px auto 0; }
  .final .ctas { position: relative; z-index: 2; justify-content: center; }
  .ghost-mark { position: absolute; width: 420px; height: 380px; right: -90px; bottom: -110px; opacity: .07; }

  .footer { background: var(--brand-ink); color: rgba(255,255,255,.72); padding-block: 72px 32px; margin-top: clamp(64px, 8vw, 104px); }
  .fgrid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.4fr; gap: 40px; }
  .fh { font-size: 14px; font-weight: 600; color: #fff; margin-bottom: 18px; }
  .flinks { display: flex; flex-direction: column; gap: 12px; font-size: 15px; }
  .flinks a:hover, .fbot a:hover { color: #fff; }
  .fc { display: flex; gap: 12px; align-items: flex-start; font-size: 15px; line-height: 1.55; }
  .fc + .fc { margin-top: 14px; }
  .fc .ic { color: var(--accent-soft); margin-top: 2px; }
  .fc span, .fc a { overflow-wrap: anywhere; }
  .fbot { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 16px; margin-top: 56px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,.1); font-size: 13.5px; color: rgba(255,255,255,.5); }
  .fbot-links { display: flex; gap: 22px; flex-wrap: wrap; }

  @media (max-width: 960px) {
    .nav, .hdr-cta .btn-white { display: none; }
    .menu-btn { display: inline-flex; }
    .call-ic { display: inline-grid; }
    .svc-hero { grid-template-columns: minmax(0,1fr); }
    .incl-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
    .related { grid-template-columns: minmax(0,1fr); max-width: 560px; }
    .fgrid { grid-template-columns: 1fr 1fr; }
  }
  @media (max-width: 640px) {
    .hdr-cta .btn-accent { display: none; }
    .incl-grid, .fgrid { grid-template-columns: minmax(0,1fr); }
    .tag { white-space: normal; height: auto; padding-block: 7px; line-height: 1.3; }
    .toast { display: none; }
  }
  @media (prefers-reduced-motion: reduce) { *, *::before, *::after { animation: none !important; transition: none !important; } }

  /* Services dropdown */
  .has-sub { position: relative; display: flex; align-items: center; gap: 2px; }
  .sub-btn { width: 28px; height: 28px; margin-left: 2px; border: 0; border-radius: 50%; background: transparent; color: inherit; display: grid; place-items: center; cursor: pointer; padding: 0; transition: background .2s, color .2s; }
  .sub-btn:hover, .has-sub.open .sub-btn { background: color-mix(in srgb, var(--brand) 10%, white); color: var(--brand); }
  .sub-btn svg { width: 14px; height: 14px; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; transition: transform .25s; }
  .has-sub.open .sub-btn svg { transform: rotate(180deg); }
  .sub { display: none; position: absolute; top: 100%; left: 50%; transform: translateX(-50%); padding-top: 18px; width: 420px; z-index: 70; }
  .has-sub.open .sub { display: block; animation: subIn .2s cubic-bezier(.2,.75,.2,1) both; }
  @keyframes subIn { from { opacity: 0; transform: translate(-50%, -6px); } to { opacity: 1; transform: translate(-50%, 0); } }
  .sub-card { background: #fff; border-radius: 24px; padding: 10px; box-shadow: 0 1px 2px rgba(11,26,34,.06), 0 28px 56px -28px rgba(11,26,34,.45); }
  .sub-card ul { list-style: none; margin: 0; padding: 0; }
  .nav .sub a { background: none; padding-bottom: 0; }
  .nav .sub-card li a { display: flex; align-items: flex-start; gap: 14px; padding: 12px; border-radius: 16px; transition: background .2s; }
  .nav .sub-card li a:hover, .nav .sub-card li a[aria-current="page"] { background: var(--canvas, #F2F5F7); }
  .sub-ic { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; flex-shrink: 0; background: color-mix(in srgb, var(--brand) 9%, white); color: var(--brand); }
  .sub-ic.or { background: color-mix(in srgb, var(--accent) 14%, white); color: color-mix(in srgb, var(--accent) 80%, black); }
  .sub-ic svg { width: 20px; height: 20px; fill: currentColor; }
  .sub-t { display: flex; flex-direction: column; gap: 3px; }
  .sub-t b { font-size: 15px; font-weight: 600; color: var(--ink, #0B1A22); }
  .sub-t small { font-size: 13.5px; line-height: 1.4; color: var(--muted, #5A6B76); font-weight: 400; }
  .nav .sub-card li a[aria-current="page"] .sub-t b { color: var(--brand); }
  .nav .sub-all { display: flex; align-items: center; justify-content: space-between; margin-top: 6px; padding: 14px 14px 10px; border-top: 1px solid var(--line, #E1E8EC); font-size: 14.5px; font-weight: 600; color: var(--brand); }
  .sub-all svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; transition: transform .2s; }
  .nav .sub-all:hover svg { transform: translateX(3px); }
  .mobile-menu .mm-sub { display: flex; flex-direction: column; padding: 2px 0 6px 18px; border-bottom: 1px solid var(--line, #E1E8EC); }
  .mobile-menu .mm-sub a { border-bottom: 0; padding: 10px 4px; font-size: 15px; color: var(--body, #2B3B45); }
  .mobile-menu .mm-sub a[aria-current="page"] { color: var(--brand); font-weight: 600; }
  @media (prefers-reduced-motion: reduce) { .has-sub.open .sub { animation: none; } .sub-btn svg { transition: none; } }

  /* Scroll reveals + photo placeholder */
  .rv { transition: opacity .8s cubic-bezier(.2,.75,.2,1), transform .8s cubic-bezier(.2,.75,.2,1); transition-delay: var(--d, 0s); }
  .rv-on .rv { opacity: 0; transform: translateY(28px); }
  .rv-on .rv.in { opacity: 1; transform: none; }
  .rv-on .rel.rv.in:hover { transform: translateY(-4px); }
  .ph { position: relative; border-radius: 28px; background: repeating-linear-gradient(135deg, var(--brand-tint) 0 16px, color-mix(in srgb, var(--brand) 12%, white) 16px 32px); display: grid; place-items: center; overflow: hidden; color: var(--brand); }
  .ph-banner { aspect-ratio: 21 / 8; }
  .ph-in { display: flex; flex-direction: column; align-items: center; gap: 8px; text-align: center; padding: 18px 22px; background: rgba(255,255,255,.9); border-radius: 18px; max-width: 82%; box-shadow: 0 10px 24px -16px rgba(11,26,34,.35); }
  .ph-in .ic { width: 28px; height: 28px; }
  .ph-in b { font-size: 14px; font-weight: 600; color: var(--ink); }
  .ph-in span { font-size: 12.5px; color: var(--muted); line-height: 1.45; }
  @media (max-width: 640px) { .ph-banner { aspect-ratio: 3 / 2; } }
  @media (prefers-reduced-motion: reduce) { .rv-on .rv { opacity: 1 !important; transform: none !important; } }

  /* Real photos inside placeholder frames */
  .ph > img, .photo > img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; display: block; }