@import url('https://cdn.jsdelivr.net/gh/orioncactus/pretendard@v1.3.9/dist/web/static/pretendard-dynamic-subset.css');
@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Mono:wght@400;500;600&display=swap');

/* ============================================================
   HMK대부 · 에이치엠케이엠엔엘대부 주식회사
   Design tokens
   ------------------------------------------------------------
   값 확정 전 자리표시자는 .fill 클래스로 표시되어 있습니다.
   모든 값을 확정한 뒤에는 아래 .fill 규칙만 지우면 됩니다.
   ============================================================ */

:root{
  --paper:#F4F6F9;
  --white:#FFFFFF;
  --navy:#1C2A4F;
  --navy-900:#0F1930;
  --navy-050:#EEF1F7;
  --orange:#E76D27;
  --orange-700:#C25517;
  --orange-050:#FDF1E9;
  --ink:#1B1F27;
  --muted:#5D6675;
  --muted-2:#7B8395;
  --line:#DEE3EB;
  --line-2:#EDF0F5;

  --sans:'Pretendard','Pretendard Variable',-apple-system,BlinkMacSystemFont,'Apple SD Gothic Neo','Malgun Gothic',sans-serif;
  --mono:'IBM Plex Mono','SFMono-Regular',Consolas,monospace;

  --wrap:1200px;
  --gutter:24px;
  --sec:clamp(64px,8.5vw,116px);
  --radius:6px;
  --shadow:0 1px 2px rgba(16,25,48,.04),0 8px 28px rgba(16,25,48,.06);
  --shadow-lg:0 2px 4px rgba(16,25,48,.05),0 18px 48px rgba(16,25,48,.10);
}

/* ---------- reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:120px}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--sans);font-size:17px;line-height:1.85;font-weight:400;
  -webkit-font-smoothing:antialiased;word-break:keep-all;overflow-wrap:break-word;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer}
h1,h2,h3,h4{margin:0;line-height:1.32;letter-spacing:-.03em;font-weight:800;color:var(--navy)}
p{margin:0}
ul,ol{margin:0;padding:0;list-style:none}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px;border-radius:2px}

/* ---------- utilities ---------- */
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.sec{padding:var(--sec) 0}
.sec--tight{padding:clamp(48px,6vw,80px) 0}
.sec--white{background:var(--white)}
.sec--navy{background:var(--navy);color:#D7DDE9}
.sec--navy h2,.sec--navy h3{color:#fff}
.eyebrow{
  font-family:var(--mono);font-size:12.5px;font-weight:600;letter-spacing:.2em;
  text-transform:uppercase;color:var(--orange);display:flex;align-items:center;gap:10px;margin-bottom:18px;
}
.eyebrow::before{content:"";width:9px;height:9px;background:var(--orange);flex:none}
.sec--navy .eyebrow{color:#F0A46B}
.sec--navy .eyebrow::before{background:#F0A46B}
.h1{font-size:clamp(32px,5vw,58px);letter-spacing:-.04em}
.h2{font-size:clamp(25px,3.3vw,40px)}
.h3{font-size:clamp(19px,1.6vw,23px);font-weight:700}
.lead{font-size:clamp(17px,1.35vw,19.5px);color:var(--muted);line-height:1.9;max-width:62ch}
.sec--navy .lead{color:#B9C3D6}
.mono{font-family:var(--mono);font-variant-numeric:tabular-nums}
.mt-s{margin-top:14px}.mt-m{margin-top:26px}.mt-l{margin-top:44px}
.center{text-align:center}
.hr{height:1px;background:var(--line);border:0;margin:0}

/* 자리표시자 — 확정 전 값 */
.fill{
  background:var(--orange-050);
  box-shadow:inset 0 -2px 0 rgba(231,109,39,.45);
  padding:0 4px;border-radius:2px;
}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:16px 30px;border-radius:var(--radius);font-weight:700;font-size:16.5px;
  letter-spacing:-.02em;border:1.5px solid transparent;transition:.18s ease;
}
.btn--primary{background:var(--orange);color:#fff;border-color:var(--orange)}
.btn--primary:hover{background:var(--orange-700);border-color:var(--orange-700);transform:translateY(-1px)}
.btn--navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn--navy:hover{background:var(--navy-900);border-color:var(--navy-900)}
.btn--ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn--ghost:hover{border-color:var(--navy);background:var(--white)}
.btn--light{background:#fff;color:var(--navy);border-color:#fff}
.btn--light:hover{background:#EEF1F7}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}

/* ---------- header ---------- */
.hd{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.hd__in{display:flex;align-items:center;gap:28px;height:80px}
.brand{display:flex;align-items:center;gap:11px;flex:none}
.brand img{height:32px;width:auto}
.brand__txt{display:flex;flex-direction:column;line-height:1.15}
.brand__ko{font-size:20px;font-weight:800;color:var(--navy);letter-spacing:-.04em}
.brand__en{font-family:var(--mono);font-size:9.5px;font-weight:500;letter-spacing:.16em;color:var(--muted-2)}
.nav{margin-left:auto;display:flex;gap:4px}
.nav__i{position:relative}
.nav__a{
  display:block;padding:10px 16px;font-size:16.5px;font-weight:600;color:var(--navy);
  letter-spacing:-.02em;border-radius:var(--radius);transition:.15s;
}
.nav__a:hover{background:var(--navy-050)}
.nav__i.is-on>.nav__a{color:var(--orange)}
.nav__i.is-on>.nav__a::after{content:"";position:absolute;left:16px;right:16px;bottom:2px;height:2px;background:var(--orange)}
.drop{
  position:absolute;top:calc(100% + 10px);left:50%;transform:translateX(-50%) translateY(6px);
  min-width:206px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  box-shadow:var(--shadow-lg);padding:8px;opacity:0;visibility:hidden;transition:.18s;
}
.nav__i:hover .drop,.nav__i:focus-within .drop{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
.drop a{display:block;padding:10px 14px;font-size:15.5px;font-weight:500;color:var(--muted);border-radius:4px;letter-spacing:-.02em}
.drop a:hover{background:var(--orange-050);color:var(--orange-700)}
.hd__cta{flex:none;display:flex;align-items:center;gap:14px;margin-left:10px}
.hd__tel{display:flex;flex-direction:column;line-height:1.2}
.hd__tel small{font-size:11px;color:var(--muted-2);font-family:var(--mono);letter-spacing:.1em}
.hd__tel b{font-size:20px;font-weight:800;color:var(--navy);font-family:var(--mono);letter-spacing:-.02em}
.hd__cta .btn{padding:12px 20px;font-size:15.5px}
.burger{display:none;margin-left:auto;width:46px;height:46px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.burger i{display:block;width:20px;height:2px;background:var(--navy);transition:.2s}

/* mobile drawer */
.mnav{position:fixed;inset:0;z-index:80;background:#fff;transform:translateX(100%);transition:transform .28s ease;overflow-y:auto;display:flex;flex-direction:column}
.mnav.is-open{transform:translateX(0)}
.mnav__top{display:flex;align-items:center;justify-content:space-between;padding:18px 22px;border-bottom:1px solid var(--line)}
.mnav__close{width:44px;height:44px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;font-size:22px;color:var(--navy);line-height:1}
.mnav__body{padding:14px 22px 40px}
.mnav__g{border-bottom:1px solid var(--line-2);padding:16px 0}
.mnav__t{font-size:18px;font-weight:800;color:var(--navy);letter-spacing:-.03em;display:block;margin-bottom:8px}
.mnav__g a.sub{display:block;padding:9px 0 9px 14px;color:var(--muted);font-size:16px;border-left:2px solid var(--line)}
.mnav__g a.sub:hover{color:var(--orange);border-color:var(--orange)}
.mnav__foot{padding:22px;margin-top:auto;background:var(--navy-050)}

/* ============================================================
   HERO — 유찰 계단 (signature)
   ============================================================ */
.hero{background:linear-gradient(180deg,#FFFFFF 0%,#FFFFFF 46%,var(--paper) 100%);border-bottom:1px solid var(--line);overflow:hidden}
.hero__grid{display:grid;grid-template-columns:1.02fr .98fr;gap:52px;align-items:center;padding:clamp(52px,6vw,84px) 0 clamp(48px,5vw,68px)}
.hero__kicker{
  display:inline-flex;align-items:center;gap:9px;font-family:var(--sans);font-size:13.5px;font-weight:700;
  letter-spacing:-.01em;text-transform:uppercase;color:var(--orange);background:var(--orange-050);
  border:1px solid rgba(231,109,39,.22);padding:7px 14px;border-radius:100px;margin-bottom:24px;
}
.hero h1{font-size:clamp(33px,4.9vw,60px);letter-spacing:-.045em;line-height:1.24}
.hero h1 em{font-style:normal;color:var(--orange)}
.hero__sub{margin-top:24px;font-size:clamp(16.5px,1.35vw,19px);color:var(--muted);line-height:1.9;max-width:52ch}
.hero__btns{margin-top:30px}
.hero__stat{display:flex;gap:0;margin-top:36px;border-top:1px solid var(--line);padding-top:22px}
.hero__stat div{flex:1;padding-right:18px}
.hero__stat div+div{border-left:1px solid var(--line);padding-left:24px}
.hero__stat b{display:block;font-size:clamp(23px,2.3vw,30px);font-weight:800;color:var(--navy);letter-spacing:-.035em;font-variant-numeric:tabular-nums}
.hero__stat span{font-size:14px;color:var(--muted-2);letter-spacing:-.01em}

/* staircase card */
.stair{background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:var(--shadow-lg);padding:26px 26px 20px}
.stair__hd{display:flex;justify-content:space-between;align-items:flex-start;gap:14px;margin-bottom:6px}
.stair__hd h3{font-size:17.5px;font-weight:700;letter-spacing:-.03em}
.stair__hd span{font-family:var(--mono);font-size:11px;color:var(--muted-2);letter-spacing:.06em;text-align:right;line-height:1.5;flex:none}
.stair svg{width:100%;height:auto;display:block;margin-top:4px}
.stair__note{font-size:12.5px;color:var(--muted-2);line-height:1.65;border-top:1px solid var(--line-2);padding-top:12px;margin-top:8px}

.st-line{stroke:var(--navy);stroke-width:2;fill:none;stroke-linejoin:round}
.st-fill{fill:rgba(28,42,79,.055)}
.st-zone{fill:rgba(231,109,39,.10);stroke:var(--orange);stroke-width:1;stroke-dasharray:4 3}
.st-dot{fill:var(--orange)}
.st-lab{font-family:var(--mono);font-size:10.5px;fill:var(--muted-2)}
.st-val{font-family:var(--mono);font-size:11.5px;font-weight:600;fill:var(--navy)}
.st-val--hi{fill:var(--orange)}
.st-axis{stroke:var(--line);stroke-width:1}
.st-tag{font-family:var(--sans);font-size:11.5px;font-weight:700;fill:var(--orange)}

@media (prefers-reduced-motion:no-preference){
  .st-anim{stroke-dasharray:900;stroke-dashoffset:900;animation:draw 1.6s .25s cubic-bezier(.65,0,.35,1) forwards}
  .st-late{opacity:0;animation:fadein .5s 1.5s ease forwards}
  @keyframes draw{to{stroke-dashoffset:0}}
  @keyframes fadein{to{opacity:1}}
}

/* ============================================================
   법정 필수 표기 패널 (홈 최초화면 필수)
   ============================================================ */
.legalcard{background:#fff;border:1px solid var(--line);border-left:4px solid var(--navy);border-radius:var(--radius);padding:clamp(22px,2.4vw,30px);box-shadow:var(--shadow)}
.legalcard__t{display:flex;align-items:center;gap:10px;font-size:15px;font-weight:800;color:var(--navy);letter-spacing:-.02em;margin-bottom:4px}
.legalcard__t small{font-family:var(--mono);font-size:11px;font-weight:500;color:var(--muted-2);letter-spacing:.04em}
.legalgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:18px;border-top:1px solid var(--line)}
.legalgrid dl{margin:0;padding:15px 20px 15px 0;border-bottom:1px solid var(--line-2)}
.legalgrid dl+dl{padding-left:20px;border-left:1px solid var(--line-2)}
.legalgrid dt{font-size:12.5px;font-family:var(--mono);letter-spacing:.06em;color:var(--muted-2);margin-bottom:3px}
.legalgrid dd{margin:0;font-size:15.5px;font-weight:700;color:var(--navy);letter-spacing:-.02em;line-height:1.55}
.legalgrid dd small{display:block;font-size:13px;font-weight:500;color:var(--muted);letter-spacing:0}
/* ============================================================
   generic blocks
   ============================================================ */
.grid{display:grid;gap:22px}
.grid--2{grid-template-columns:repeat(2,1fr)}
.grid--3{grid-template-columns:repeat(3,1fr)}
.grid--4{grid-template-columns:repeat(4,1fr)}
.split{display:grid;grid-template-columns:.86fr 1.14fr;gap:clamp(32px,5vw,72px);align-items:start}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:clamp(24px,2.4vw,32px);transition:.2s}
.card--link:hover{border-color:var(--navy);box-shadow:var(--shadow-lg);transform:translateY(-3px)}
.card__no{font-family:var(--mono);font-size:12px;font-weight:600;letter-spacing:.14em;color:var(--orange);display:block;margin-bottom:14px}
.card h3{font-size:20.5px;margin-bottom:12px}
.card p{color:var(--muted);font-size:16px;line-height:1.85}
.card__more{display:inline-flex;align-items:center;gap:7px;margin-top:18px;font-size:15px;font-weight:700;color:var(--navy)}
.card__more::after{content:"→";transition:.2s}
.card--link:hover .card__more{color:var(--orange)}
.card--link:hover .card__more::after{transform:translateX(4px)}

.ticks{display:grid;gap:11px;margin-top:20px}
.ticks li{display:flex;gap:11px;font-size:16px;color:var(--muted);line-height:1.8}
.ticks li::before{content:"";flex:none;width:7px;height:7px;background:var(--orange);margin-top:11px}
.sec--navy .ticks li{color:#C2CBDC}

/* process steps */
.steps{counter-reset:s;display:grid;gap:0;border-top:1px solid var(--line)}
.steps li{counter-increment:s;display:grid;grid-template-columns:78px 1fr;gap:24px;padding:26px 0;border-bottom:1px solid var(--line)}
.steps li::before{
  content:"STEP " counter(s);font-family:var(--mono);font-size:11.5px;font-weight:600;
  letter-spacing:.1em;color:var(--orange);padding-top:5px;
}
.steps h4{font-size:19px;font-weight:700;margin-bottom:7px}
.steps p{color:var(--muted);font-size:16px}
.sec--navy .steps{border-color:rgba(255,255,255,.14)}
.sec--navy .steps li{border-color:rgba(255,255,255,.14)}
.sec--navy .steps p{color:#B9C3D6}

/* table */
.tbl{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);font-size:16px}
.tbl caption{text-align:left;font-size:14px;color:var(--muted-2);padding-bottom:10px}
.tbl th,.tbl td{padding:16px 20px;border-bottom:1px solid var(--line-2);text-align:left;vertical-align:top;line-height:1.75}
.tbl thead th{background:var(--navy);color:#fff;font-weight:700;font-size:15.5px;letter-spacing:-.02em;border-bottom:0}
.tbl tbody th{width:210px;background:var(--navy-050);color:var(--navy);font-weight:700;font-size:15.5px}
.tbl td{color:var(--muted)}
.tbl td b{color:var(--ink);font-weight:700}
.tbl .num{font-family:var(--mono);font-variant-numeric:tabular-nums;color:var(--navy);font-weight:600}
.tbl-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}

/* notice / faq */
.acc{border-top:1px solid var(--line);background:#fff}
.acc__i{border-bottom:1px solid var(--line)}
.acc__q{width:100%;background:none;border:0;display:flex;gap:16px;align-items:flex-start;text-align:left;padding:22px 24px;font-size:17.5px;font-weight:700;color:var(--navy);letter-spacing:-.025em;line-height:1.6}
.acc__q span{font-family:var(--mono);color:var(--orange);flex:none;font-size:15px;padding-top:2px}
.acc__q::after{content:"+";margin-left:auto;font-size:22px;color:var(--muted-2);font-weight:400;flex:none;transition:.2s}
.acc__i.is-open .acc__q::after{transform:rotate(45deg);color:var(--orange)}
.acc__a{display:none;padding:0 24px 24px 56px;color:var(--muted);font-size:16px;line-height:1.9}
.acc__i.is-open .acc__a{display:block}

.list{background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
.list li{display:grid;grid-template-columns:1fr auto;gap:16px;align-items:baseline;padding:20px 26px;border-bottom:1px solid var(--line-2)}
.list li:last-child{border-bottom:0}
.list li:hover{background:var(--navy-050)}
.list b{font-size:17px;font-weight:700;color:var(--navy);letter-spacing:-.025em}
.list p{font-size:15px;color:var(--muted);margin-top:5px}
.list time{font-family:var(--mono);font-size:13.5px;color:var(--muted-2);flex:none}
.tag{display:inline-block;font-family:var(--mono);font-size:11px;font-weight:600;letter-spacing:.1em;padding:3px 9px;border-radius:3px;background:var(--orange-050);color:var(--orange-700);margin-right:9px;vertical-align:2px}
.tag--navy{background:var(--navy-050);color:var(--navy)}

/* page hero (subpages) */
.ph{background:var(--navy);color:#fff;padding:clamp(46px,5.5vw,74px) 0 clamp(40px,5vw,64px);position:relative;overflow:hidden}
.ph::after{content:"";position:absolute;right:-90px;top:-90px;width:340px;height:340px;border:44px solid rgba(255,255,255,.035);border-radius:50%}
.ph .crumb{font-family:var(--mono);font-size:12px;letter-spacing:.12em;color:#8D9BB8;margin-bottom:18px;display:flex;gap:9px;flex-wrap:wrap}
.ph .crumb a:hover{color:#fff}
.ph h1{color:#fff;font-size:clamp(29px,3.9vw,46px);letter-spacing:-.04em;position:relative;z-index:1}
.ph p{color:#B7C2D8;margin-top:16px;font-size:clamp(16px,1.3vw,18.5px);max-width:60ch;position:relative;z-index:1;line-height:1.85}

/* subnav pills */
.subnav{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:80px;z-index:40}
.subnav ul{display:flex;gap:4px;overflow-x:auto;-webkit-overflow-scrolling:touch}
.subnav a{display:block;padding:17px 20px;font-size:16px;font-weight:600;color:var(--muted);white-space:nowrap;border-bottom:2px solid transparent}
.subnav a:hover{color:var(--navy)}
.subnav a.is-on{color:var(--orange);border-color:var(--orange)}

/* callout */
.callout{background:var(--navy-050);border:1px solid #D5DDEB;border-radius:var(--radius);padding:clamp(22px,2.4vw,30px)}
.callout h4{font-size:18px;margin-bottom:10px}
.callout p{color:var(--muted);font-size:15.5px}
.callout--warn{background:var(--orange-050);border-color:rgba(231,109,39,.24)}
.callout--warn h4{color:var(--orange-700)}

/* form */
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:clamp(26px,3vw,40px)}
.field{margin-bottom:20px}
.field label{display:block;font-size:15px;font-weight:700;color:var(--navy);margin-bottom:8px;letter-spacing:-.02em}
.field label i{color:var(--orange);font-style:normal;margin-left:4px}
.field input,.field select,.field textarea{
  width:100%;padding:14px 16px;border:1.5px solid var(--line);border-radius:4px;font:inherit;font-size:16.5px;
  background:#fff;color:var(--ink);transition:.15s;
}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--orange);outline:none}
.field textarea{min-height:150px;resize:vertical;line-height:1.8}
.field--row{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.agree{display:flex;gap:11px;align-items:flex-start;font-size:15px;color:var(--muted);line-height:1.75}
.agree input{width:20px;height:20px;flex:none;margin-top:4px;accent-color:var(--orange)}
.agree a{color:var(--navy);text-decoration:underline;text-underline-offset:3px}
.formnote{font-size:14px;color:var(--muted-2);line-height:1.8;margin-top:14px}

/* contact rows */
.crow{display:grid;grid-template-columns:150px 1fr;gap:18px;padding:20px 0;border-bottom:1px solid var(--line)}
.crow dt{font-size:15px;font-weight:700;color:var(--navy)}
.crow dd{margin:0;color:var(--muted);font-size:16.5px}
.crow dd b{color:var(--ink);font-family:var(--mono);font-weight:600;font-size:19px;letter-spacing:-.02em}

/* article body */
.doc{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:clamp(26px,3.4vw,48px)}
.doc h2{font-size:clamp(20px,1.9vw,25px);margin:40px 0 14px;padding-top:26px;border-top:1px solid var(--line-2)}
.doc h2:first-child{margin-top:0;padding-top:0;border-top:0}
.doc h3{font-size:18px;margin:26px 0 10px}
.doc p{color:var(--muted);font-size:16px;margin-bottom:12px}
.doc ol{list-style:decimal;padding-left:22px;color:var(--muted);font-size:16px}
.doc ul{list-style:disc;padding-left:22px;color:var(--muted);font-size:16px}
.doc li{margin-bottom:8px;line-height:1.85}

/* ---------- footer ---------- */
.ft{background:var(--navy-900);color:#98A5BF;font-size:15px;line-height:1.85;padding:clamp(52px,6vw,76px) 0 34px}
.ft__top{display:grid;grid-template-columns:1.3fr 2fr;gap:clamp(32px,5vw,64px);padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1)}
.ft__brand img{height:34px}
.ft__brand .brand__ko{color:#fff}
.ft__brand .brand__en{color:#7D8BA8}
.ft__brand p{margin-top:18px;font-size:14.5px;color:#8593AF;max-width:34ch}
.ft__cols{display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
.ft__cols h5{margin:0 0 14px;font-size:13px;font-family:var(--mono);letter-spacing:.14em;color:#fff;font-weight:600;text-transform:uppercase}
.ft__cols a{display:block;padding:5px 0;font-size:14.5px;color:#98A5BF}
.ft__cols a:hover{color:var(--orange)}
.ft__legal{padding:32px 0;border-bottom:1px solid rgba(255,255,255,.1)}
.ft .fill{background:rgba(231,109,39,.18);box-shadow:inset 0 -2px 0 rgba(231,109,39,.55);color:#FBC79E}
.ft__legal h5{margin:0 0 16px;font-size:13.5px;color:#fff;font-family:var(--mono);letter-spacing:.12em;font-weight:600}
.ftgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:2px 34px}
.ftgrid div{display:flex;gap:10px;font-size:14.5px;padding:5px 0}
.ftgrid dt{color:#7D8BA8;flex:none;min-width:104px}
.ftgrid dd{margin:0;color:#D3DAE9;font-weight:500}
.ft__bot{padding-top:26px;display:flex;flex-wrap:wrap;gap:12px 26px;align-items:center;font-size:13.5px;color:#7D8BA8}
.ft__bot nav{display:flex;gap:20px;margin-right:auto}
.ft__bot nav a{color:#B4BFD4;font-weight:600}
.ft__bot nav a:hover{color:var(--orange)}
.ft__bot .copy{font-family:var(--mono);font-size:12.5px;letter-spacing:.03em}

/* float CTA (mobile) */
.fab{display:none;position:fixed;left:0;right:0;bottom:0;z-index:70;background:#fff;border-top:1px solid var(--line);padding:10px 14px;gap:9px;box-shadow:0 -6px 24px rgba(16,25,48,.1)}
.fab a{flex:1;padding:15px 10px;border-radius:var(--radius);text-align:center;font-weight:700;font-size:16px}
.fab .t{background:var(--navy);color:#fff}
.fab .c{background:var(--orange);color:#fff}

/* reveal */
@media (prefers-reduced-motion:no-preference){
  .rv{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s cubic-bezier(.2,.7,.3,1)}
  .rv.is-in{opacity:1;transform:none}
}

/* ---------- responsive ---------- */
@media (max-width:1080px){
  .hd__tel{display:none}
  .nav__a{padding:10px 12px;font-size:16px}
  .hero__grid{gap:38px}
  .legalgrid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:900px){
  .nav,.hd__cta{display:none}
  .burger{display:flex}
  .hd__in{height:70px}
  .subnav{top:70px}
  .hero__grid{grid-template-columns:1fr;padding-bottom:34px}
  .split{grid-template-columns:1fr}
  .grid--3,.grid--4{grid-template-columns:repeat(2,1fr)}
  .ft__top{grid-template-columns:1fr}
  .ft__cols{grid-template-columns:repeat(2,1fr)}
  .ftgrid{grid-template-columns:1fr 1fr}
  .fab{display:flex}
  body{padding-bottom:76px}
}
@media (max-width:640px){
  body{font-size:16.5px}
  .grid--2,.grid--3,.grid--4{grid-template-columns:1fr}
  .legalgrid{grid-template-columns:1fr}
  .legalgrid dl+dl{padding-left:0;border-left:0}
  .ftgrid{grid-template-columns:1fr}
  .hero__stat{flex-wrap:wrap;gap:18px 0}
  .hero__stat div{flex:0 0 50%;padding-right:12px}
  .hero__stat div+div{border-left:0;padding-left:0}
  .steps li{grid-template-columns:1fr;gap:6px}
  .tbl tbody th{width:auto}
  .crow{grid-template-columns:1fr;gap:4px}
  .field--row{grid-template-columns:1fr}
  .acc__a{padding-left:24px}
  .ft__bot nav{flex-wrap:wrap;gap:12px 18px}
}