:root{--navy:#0b1d34;--navy2:#102c48;--dark:#152c42;--sky:#35b6f6;--blue:#159edc;--ink:#1a2e43;--muted:#64768a;--border:#deebf2;--ice:#f3f8fb;--white:#fff;--green:#1d896e;--max:1192px;scroll-behavior:smooth}
*,*:before,*:after{box-sizing:border-box}body{margin:0;background:#fff;color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;-webkit-font-smoothing:antialiased;line-height:1.55}::selection{background:#c4eafe;color:#0b1d34}a{color:inherit;text-decoration:none}button{font:inherit}button,a{outline-offset:4px}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--sky)}.container{width:min(var(--max),calc(100% - 80px));margin-inline:auto}.icon{width:17px;height:17px;flex:none;vertical-align:middle}.skip-link{position:absolute;top:-100px;left:16px;background:#fff;color:var(--navy);z-index:200;padding:12px 16px;border-radius:4px}.skip-link:focus{top:12px}.utility{background:#09182b;color:#c1d3e1;font-size:11px;letter-spacing:.035em}.utility-inner{display:flex;align-items:center;justify-content:space-between;min-height:36px;gap:16px}.utility a{color:#eff9ff}.utility-sep{opacity:.38;padding:0 10px}.site-header{position:sticky;top:0;z-index:99;background:#fff;border-bottom:1px solid #e4edf3;box-shadow:0 10px 35px #0b1d3406}.header-main{display:flex;align-items:center;justify-content:space-between;gap:23px;min-height:83px}.brand{display:flex;align-items:center;gap:11px;flex:none}.brand img{object-fit:contain}.brand strong{font-size:25px;line-height:1;letter-spacing:.095em;display:block;color:var(--navy)}.brand small{display:block;font-size:9px;letter-spacing:.24em;color:#5a7690;font-weight:800;margin-top:4px}.desktop-nav{display:flex;align-items:center;gap:25px;flex:1;justify-content:center}.nav-link{font-size:12px;font-weight:720;color:#536477;transition:color .18s;white-space:nowrap}.nav-link:hover,.nav-link.is-current{color:#007bb5}.nav-link.is-current{position:relative}.nav-link.is-current:after{content:'';height:3px;background:var(--sky);position:absolute;bottom:-30px;left:0;right:0;border-radius:20px}.header-actions{display:flex;align-items:center;gap:15px}.quick-link{color:#2d6078;font-size:12px;font-weight:750;white-space:nowrap}.btn{display:inline-flex;align-items:center;justify-content:space-between;gap:22px;padding:15px 20px;border-radius:8px;border:1px solid transparent;font-size:13px;letter-spacing:.008em;font-weight:800;min-height:50px;transition:transform .2s,box-shadow .2s,background .2s}.btn:hover{transform:translateY(-2px)}.btn .icon{width:17px;height:17px}.btn-primary{background:var(--sky);color:#09203a;box-shadow:0 9px 24px #35b6f628}.btn-primary:hover{background:#73d0ff}.btn-nav{background:var(--navy);color:#fff;padding:13px 15px;min-height:43px;font-size:11px;white-space:nowrap}.btn-nav:hover{background:var(--navy2)}.btn-outline{border-color:#b3cbdb;color:var(--navy);background:transparent}.btn-outline:hover{background:#eef9ff}.btn-outline-on-dark{border-color:#59738b;color:#fff;background:transparent}.btn-outline-on-dark:hover{background:#ffffff13}.btn-white{background:#fff;color:#123047}.btn-line-white{border-color:#ffffff9a;color:#fff;background:transparent}.btn-line-white:hover{background:#ffffff1c}.menu-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer}.menu-toggle span{display:block;width:23px;height:2px;background:#11243a;margin:5px 0}.mobile-nav{background:#fff;border-top:1px solid var(--border);box-shadow:0 15px 20px #06192a17}.mobile-nav .container{display:flex;flex-direction:column;gap:0;padding:10px 0 18px}.mobile-nav a{padding:13px 7px;border-bottom:1px solid var(--border);font-weight:720;font-size:14px}.mobile-nav .mobile-portal{margin-top:13px;background:#eaf8ff;border:0;border-radius:7px;color:#067bb5;padding:13px}
/* hero */
.hero{background:var(--navy);color:#fff;overflow:hidden;position:relative}.hero:before{content:'';position:absolute;left:-250px;top:250px;width:660px;height:660px;background:radial-gradient(circle,#265b8560 0,transparent 65%);pointer-events:none}.hero-grid{display:grid;grid-template-columns:1fr 1fr;min-height:655px;gap:52px;align-items:center;padding-top:55px;padding-bottom:85px;position:relative}.hero-copy{position:relative;z-index:2;padding-bottom:18px}.eyebrow,.kicker{font-size:11px;text-transform:uppercase;font-weight:850;letter-spacing:.16em}.eyebrow{color:#96d8fb;display:flex;align-items:center;gap:10px}.dot{width:7px;height:7px;background:var(--sky);border-radius:50%;display:inline-block;box-shadow:0 0 0 5px #35b6f622;flex:none}h1,h2,h3,h4,p{margin-top:0}h1,h2,h3{letter-spacing:-.042em}h1{font-size:clamp(48px,5.2vw,77px);line-height:1.08;font-weight:760;margin:25px 0 22px;letter-spacing:-.065em}h1 em{font-weight:600;font-style:normal;color:var(--sky)}.lede{font-size:16px;line-height:1.83;color:#bdd0df;max-width:550px}.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.hero-trust{display:flex;gap:16px;align-items:center;margin-top:59px}.hero-trust strong,.hero-trust small{display:block}.hero-trust strong{font-size:12px;color:#e6f2fc}.hero-trust small{font-size:11px;color:#95afc5;margin-top:3px}.avatars{display:flex;padding-left:7px}.avatars span{width:34px;height:34px;display:grid;place-items:center;background:#2181ad;color:white;border:2px solid var(--navy);border-radius:50%;margin-left:-8px;font-size:12px;font-weight:900}.avatars span:nth-child(2){background:#34799b}.avatars span:nth-child(3){background:#54bdf4;color:#0e3151}.hero-art{height:560px;position:relative;isolation:isolate;display:grid;align-items:center;justify-items:center}.mesh{position:absolute;inset:-80px -180px;background:radial-gradient(circle at 60% 43%,#205b7a83,transparent 58%);z-index:-2}.art-orbit{position:absolute;border:1px solid #6bbaf030;border-radius:50%;aspect-ratio:1;z-index:-1}.art-orbit-a{width:550px;transform:rotate(-18deg)}.art-orbit-b{width:400px;transform:rotate(25deg)}.portal-preview{background:#fff;box-shadow:0 26px 70px #0005;border-radius:16px;width:90%;max-width:510px;overflow:hidden;color:var(--navy);transform:rotate(-2deg);position:relative}.portal-window-top{height:48px;border-bottom:1px solid #e5edf3;display:flex;align-items:center;justify-content:space-between;gap:10px;padding:0 19px;background:#f6fafd}.portal-window-top>span:first-child{display:flex;gap:5px}.portal-window-top i{width:7px;height:7px;border-radius:50%;background:#b7cad6}.portal-window-top i:first-child{background:#f1c46e}.portal-window-top i:nth-child(2){background:#a4d8e5}.window-domain{font-size:10px;color:#90a5b5}.window-lock .icon{width:14px;height:14px;color:#4d8ba8}.portal-preview-body{padding:32px 31px 35px}.preview-eyebrow{font-size:10px;color:#147cad;letter-spacing:.18em;font-weight:900}.portal-preview h3{font-size:27px;line-height:1.2;margin:9px 0 25px;letter-spacing:-.05em}.preview-option{border:1px solid #dfebf3;border-radius:10px;padding:13px 14px;display:flex;align-items:center;gap:13px;margin-bottom:10px;box-shadow:0 6px 20px #143d5d08;background:#fff}.preview-option-icon{background:#e8f7ff;color:#147ca5;width:38px;height:38px;border-radius:9px;display:grid;place-items:center;font-size:12px;font-weight:900}.preview-option-icon.pay-mark{background:#eaf6ed;color:#16856a}.preview-option strong,.preview-option small{display:block}.preview-option strong{font-size:13px}.preview-option small{font-size:10px;color:#7d90a0;margin-top:2px}.preview-arrow{margin-left:auto;color:#1a9ed9;font-weight:900}.floating-tag{position:absolute;z-index:4;background:#fff;color:#1b3c53;padding:10px 14px;border-radius:11px;box-shadow:0 16px 40px #0003;display:flex;align-items:center;gap:8px;font-size:11px;font-weight:850}.float-a{top:53px;right:-7px;transform:rotate(5deg)}.float-b{bottom:31px;left:-12px;transform:rotate(4deg)}.tag-icon{display:grid;place-items:center;width:28px;height:28px;border-radius:7px;background:#e6f8ef;color:#218d6f}.tag-blue{background:#e9f8ff;color:#1d9acd}.hero-features{position:relative;z-index:2;display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid #ffffff2e}.hero-features>div{display:flex;flex-direction:column;gap:3px;padding:22px 28px 24px 0}.hero-features>div:not(:last-child){border-right:1px solid #ffffff21;margin-right:32px}.hf-number{font-size:10px;font-weight:850;color:var(--sky);letter-spacing:.12em}.hero-features strong{font-size:13px}.hero-features small{font-size:11px;color:#a0b8cb}
/* sections */
.section{padding:106px 0}.light-section{background:var(--ice)}.section-heading{margin-bottom:36px}.section-heading-split{display:flex;justify-content:space-between;align-items:end;gap:48px}.section-heading-split>p{max-width:375px;margin-bottom:7px}.section-heading p,.section-heading-split>p{color:var(--muted);line-height:1.82;font-size:14px}.kicker{color:#078cc7;margin-bottom:19px}.kicker-light{color:#94dcff}.section h2{font-size:clamp(35px,3.6vw,53px);line-height:1.14;letter-spacing:-.052em;margin-bottom:0;font-weight:780}.blue-text{color:#168fcb}.audience-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.audience-card{min-height:365px;padding:42px;border-radius:14px;position:relative;overflow:hidden;display:flex;flex-direction:column;align-items:flex-start;box-shadow:0 15px 40px #133b580a}.debtor-card{background:#deeff9}.business-card{background:#122942;color:#fff}.audience-card .card-pill{font-weight:900;letter-spacing:.14em;font-size:10px;color:#1179af}.business-card .card-pill{color:#99dfff}.audience-card h3{font-size:38px;line-height:1.16;margin:37px 0 14px;position:relative;z-index:1}.audience-card p{font-size:14px;max-width:350px;line-height:1.85;color:#537087;position:relative;z-index:1}.business-card p{color:#a9c0d2}.audience-symbol{position:absolute;right:32px;top:24px;font-size:120px;font-weight:200;opacity:.11}.card-link{margin-top:auto;font-weight:850;font-size:13px;display:flex;align-items:center;gap:13px;color:#097fb8}.business-card .card-link{color:#8cdcff}.services-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:19px}.service{border:1px solid #e1ebf1;border-radius:14px;padding:28px;min-height:345px;display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}.service:hover{transform:translateY(-5px);box-shadow:0 16px 30px #0b1d3411}.svc-index,.mini-label{font-size:10px;letter-spacing:.14em;color:#178bbd;font-weight:850}.svc-icon{height:80px;font-size:54px;line-height:1.4;color:#47afe1;font-weight:200}.service h3{font-size:22px;margin:15px 0 11px}.service p{font-size:13px;line-height:1.85;color:#637c8c}.service a{display:flex;gap:9px;align-items:center;font-size:12px;font-weight:850;color:#087fb9;margin-top:auto}.service a .icon{width:15px}.selfservice-band{background:#0c3150;color:#fff;position:relative;overflow:hidden}.selfservice-band:before{content:'';position:absolute;width:500px;height:500px;border:1px solid #3bbaff3f;border-radius:50%;right:-190px;top:-100px;box-shadow:0 0 0 90px #36b6f60a,0 0 0 180px #36b6f606}.band-grid{display:grid;grid-template-columns:1.35fr .65fr;gap:95px;position:relative;z-index:1}.band-grid h2{font-size:55px;line-height:1.12}.band-grid p{color:#a9c9db;line-height:1.85;max-width:510px;margin:20px 0 25px}.band-actions{display:flex;gap:12px;flex-wrap:wrap}.band-side{border-left:1px solid #6bb8df53;padding:7px 0 0 32px}.band-side p{font-size:13px;margin:3px 0 23px;line-height:1.7}.step-n{display:inline-block;color:var(--sky);font-size:12px;font-weight:900}.values-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}.values-grid>div{padding-top:25px;border-top:2px solid #cbeaf7}.value-icon{width:40px;height:40px;display:grid;place-items:center;background:#e5f6ff;border-radius:12px;color:#148bbf;margin-bottom:22px}.value-icon .icon{height:21px;width:21px}.values-grid h3{font-size:18px;margin-bottom:10px}.values-grid p{color:#6b7e8e;font-size:13px;line-height:1.8}.final-cta{background:#f0f7fb}.final-cta-inner{display:flex;justify-content:space-between;align-items:center;gap:35px}.final-cta-inner h2{font-size:44px}.final-cta-inner p{color:#60788b;margin-top:16px;margin-bottom:0}.final-cta-inner .btn{flex:none}
/* pages */
.page-hero{background:#0b1d34;color:#fff;position:relative;overflow:hidden;padding:92px 0 95px}.page-hero-light{background:#f2f9fc;color:#163247}.page-hero-inner{position:relative;display:flex;justify-content:space-between;align-items:center}.page-hero h1{font-size:clamp(46px,5.5vw,72px);margin:16px 0 19px}.page-hero .lede{max-width:690px}.page-hero-light .lede{color:#687f92}.page-hero-light .eyebrow{color:#0d86b8}.hero-watermark{position:absolute;right:10px;top:15%;font-size:200px;letter-spacing:-.09em;font-weight:900;color:#fff;opacity:.055;line-height:.9;pointer-events:none}.page-hero-light .hero-watermark{color:#173f60}.hero-watermark span{color:var(--sky)}.compact-top{padding-top:80px}.action-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.action-card{background:#fff;border:1px solid #dcebf3;border-radius:15px;padding:30px 27px;display:flex;flex-direction:column;min-height:430px;box-shadow:0 15px 25px #14395609}.action-card.primary-action{background:var(--navy);color:#fff;border-color:var(--navy)}.action-step{font-size:10px;color:#258fbd;font-weight:900;letter-spacing:.16em}.primary-action .action-step{color:#93d7fa}.action-icon{display:grid;place-items:center;width:49px;height:49px;background:#e8f7ff;color:#108bc2;border-radius:13px;margin:23px 0 15px}.primary-action .action-icon{background:#204866;color:#8bd9ff}.action-icon .icon{height:24px;width:24px}.action-card h3{font-size:26px;margin:0 0 12px}.action-card p{font-size:13px;line-height:1.8;color:#637c8c}.primary-action p{color:#adc7db}.action-card .btn{margin-top:auto;font-size:12px}.action-card small{margin-top:13px;font-size:10px;color:#8196a5}.primary-action small{color:#92b9ce}.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.how-step{border-top:2px solid #d5eaf4;padding:22px 17px 0 0}.how-step>span{color:#1c9dce;font-size:25px;font-weight:850}.how-step h3{font-size:20px;margin:18px 0 10px}.how-step p{font-size:13px;line-height:1.8;color:#657c8a}.security-note{display:flex;gap:15px;align-items:start;border:1px solid #cce7f6;background:#f0f9ff;padding:19px 23px;margin-top:32px;border-radius:9px}.security-note span{color:#168fbd}.security-note span .icon{width:22px;height:22px}.security-note p{font-size:13px;color:#4d6b80;line-height:1.8;margin:0}.security-note strong{color:#193a51}.faq-section{background:#f5f9fc}.faq-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:95px}.faq-layout h2{font-size:41px}.faq-layout p{margin:17px 0 27px;color:#6b7f8f}.text-link{font-weight:850;color:#0f85b8;display:inline-flex;gap:12px;align-items:center;font-size:13px}.faq-list details{border-bottom:1px solid #d7e7f0;padding:19px 0}.faq-list summary{cursor:pointer;list-style:none;font-size:15px;font-weight:750;color:#284056;padding-right:40px;position:relative}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary:after{content:'+';position:absolute;right:0;top:-3px;font-size:23px;color:#178ab9;font-weight:400}.faq-list details[open] summary:after{content:'−'}.faq-list p{font-size:13px;line-height:1.9;color:#647888;margin:11px 0 2px}.content-lead{max-width:680px;margin-bottom:43px}.content-lead p{font-size:15px;line-height:1.9;color:#668093;margin-top:17px}.service-stack{border-top:1px solid #dce9f0}.service-row{display:grid;grid-template-columns:75px 1fr .93fr;gap:45px;border-bottom:1px solid #dce9f0;padding:39px 0 43px;scroll-margin-top:110px}.service-row .num{font-size:22px;color:#b2cedd;font-weight:850}.service-row h3{font-size:26px;margin:11px 0}.service-row p{max-width:400px;color:#647c8d;font-size:13px;line-height:1.9}.service-row ul{padding-left:22px;margin:22px 0 0;color:#547085;font-size:13px;line-height:2.25}.about-split{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px}.prose{font-size:16px;line-height:1.95;color:#60788a}.prose p{margin-bottom:20px}.about-statement{margin-top:60px;padding:48px 54px;background:#102e49;border-radius:14px;color:#fff}.about-statement span{font-size:11px;letter-spacing:.13em;color:#98dfff;font-weight:850}.about-statement p{font-size:clamp(28px,4vw,49px);line-height:1.15;letter-spacing:-.05em;margin:14px 0 0;font-weight:740}.about-statement em{color:var(--sky);font-style:normal}.leadership-grid{display:grid;grid-template-columns:.68fr 1.32fr;gap:90px;align-items:center}.leader-mark{min-height:420px;background:#102d49;border-radius:15px;position:relative;overflow:hidden;display:grid;place-items:center}.leader-mark:before{content:'';position:absolute;border:2px solid #52bdf64a;width:420px;height:420px;border-radius:50%;left:-210px;top:-190px;box-shadow:0 0 0 70px #74cef412}.leader-initials{font-size:110px;font-weight:900;color:#fff;letter-spacing:-.09em;position:relative;z-index:1}.leader-initials span{color:var(--sky)}.leader-stripes{position:absolute;bottom:0;height:12px;width:100%;background:linear-gradient(90deg,#35b6f6 0 33.3%,#167fb6 33.3% 66.6%,#35b6f6 66.6%)}.leader-info h2{font-size:48px}.leader-title{color:#0a8dbf;font-weight:800}.leader-info>p:not(.leader-title){font-size:14px;color:#60768a;line-height:1.9;margin:20px 0 26px}.leader-facts{display:grid;gap:10px}.leader-facts span{padding:11px 15px;background:#f3f9fc;border-left:3px solid var(--sky);font-size:12px;color:#486779}.credentials-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.credentials-grid article{border:1px solid #daebf3;background:#f8fbfd;border-radius:12px;padding:31px}.cred-label{font-size:10px;letter-spacing:.14em;color:#167fae;font-weight:850}.credentials-grid h3{font-size:29px;margin:16px 0 7px}.credentials-grid p{color:#6c8191;font-size:13px;margin:0}.contact-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px}.contact-panel{background:var(--navy);color:#fff;border-radius:15px;padding:46px}.contact-panel h2{font-size:46px}.contact-panel>p{font-size:14px;color:#b8d2e5;margin:18px 0 35px;line-height:1.8}.contact-row{display:flex;gap:16px;align-items:center;border-top:1px solid #ffffff2a;padding:18px 0}.contact-row>span{display:grid;place-items:center;background:#18476a;width:44px;height:44px;border-radius:9px;color:#9bdafa}.contact-row>div{flex:1}.contact-row small,.contact-row strong{display:block}.contact-row small{font-size:10px;color:#8ac7e9;font-weight:850;letter-spacing:.1em}.contact-row strong{font-size:14px;color:#fff;margin-top:4px;overflow-wrap:anywhere}.contact-row>.icon{color:#9bdafa}.contact-aside{padding:24px 15px}.aside-chip{font-size:10px;font-weight:900;letter-spacing:.14em;color:#1688bb}.contact-aside h3{font-size:36px;line-height:1.2;margin:21px 0}.contact-aside>p{font-size:14px;line-height:1.9;color:#647d90;margin-bottom:22px}.info-note{border-top:1px solid #d8e8f2;margin-top:42px;padding-top:28px;font-size:13px}.info-note strong{display:block;color:#274157;margin-bottom:6px}.info-note p{color:#71889a;margin:0 0 20px}.split-actions{display:flex;gap:12px;flex-wrap:wrap}
/* footer */
.footer{background:#081a2e;color:#c2d2df;padding:71px 0 24px}.footer-main{display:grid;grid-template-columns:2fr 1fr 1fr 1.4fr;gap:50px;padding-bottom:54px}.footer-brand{display:flex;align-items:center;gap:13px;color:#fff;font-weight:850;font-size:16px}.footer-brand img{object-fit:contain}.footer-main p{color:#8da9bf;font-size:12px;line-height:1.9;max-width:310px;margin:16px 0}.footer-reg{color:#7e9eb5;line-height:1.8;font-size:11px}.footer-main h4{font-size:11px;letter-spacing:.13em;text-transform:uppercase;color:#83c9e9;margin:11px 0 22px}.footer-main>div:not(:first-child)>a{font-size:12px;display:block;color:#bad0df;margin:0 0 13px;overflow-wrap:anywhere}.footer-main a:hover,.footer-bottom a:hover{color:#5cc8f9}.footer-bottom{border-top:1px solid #d9f0ff23;padding-top:23px;display:flex;justify-content:space-between;gap:12px;color:#7896ab;font-size:11px}.footer-divider{padding:0 8px;opacity:.6}
/* responsive */
@media(max-width:1100px){.desktop-nav{gap:14px}.nav-link{font-size:11px}.quick-link{display:none}.hero-grid{gap:15px}.float-a{right:0}.footer-main{gap:25px}}
@media(max-width:900px){.container{width:min(var(--max),calc(100% - 50px))}.desktop-nav,.header-actions .btn-nav{display:none}.menu-toggle{display:block}.quick-link{display:inline-block}.header-main{min-height:76px}.hero-grid{grid-template-columns:1fr;gap:0;padding-top:75px;padding-bottom:45px}.hero-copy{max-width:740px}.hero-trust{margin-top:32px}.hero-art{height:470px;max-width:650px;width:100%;margin:10px auto 0}.portal-preview{max-width:510px}.hero-features{grid-template-columns:repeat(3,1fr)}.hero-features>div{padding-right:10px}.hero-features>div:not(:last-child){margin-right:12px}.section{padding:75px 0}.section-heading-split{align-items:start;gap:18px}.services-grid,.action-grid{grid-template-columns:repeat(2,1fr)}.action-card:last-child{grid-column:1/-1;min-height:auto}.band-grid{gap:40px}.values-grid{grid-template-columns:repeat(2,1fr)}.contact-grid,.about-split,.leadership-grid{gap:40px}.footer-main{grid-template-columns:repeat(2,1fr)}.faq-layout{gap:40px}.service-row{grid-template-columns:45px 1fr .85fr;gap:25px}}
@media(max-width:620px){.container{width:calc(100% - 36px)}.utility{display:none}.brand img{width:42px;height:38px}.brand strong{font-size:21px}.brand small{font-size:8px}.header-main{min-height:68px}.quick-link{display:none}.hero-grid{padding-top:55px}.hero h1{font-size:52px}.hero .lede{font-size:14px}.hero-ctas{flex-direction:column;align-items:stretch}.hero-ctas .btn{justify-content:space-between}.hero-art{height:400px}.portal-preview{width:95%;transform:rotate(-1deg)}.portal-preview-body{padding:23px 20px}.portal-preview h3{font-size:22px;margin:8px 0 20px}.float-a,.float-b{display:none}.hero-features{grid-template-columns:1fr;gap:0}.hero-features>div{border-right:0!important;border-top:1px solid #ffffff1c;margin-right:0!important;padding:15px 0}.section{padding:63px 0}.section-heading-split{display:block}.section h2{font-size:38px}.section-heading-split>p{margin-top:16px}.audience-grid,.services-grid,.action-grid,.how-grid,.band-grid,.values-grid,.faq-layout,.about-split,.leadership-grid,.credentials-grid,.contact-grid{grid-template-columns:1fr}.audience-card{padding:32px;min-height:315px}.audience-card h3{font-size:32px;margin-top:35px}.service{min-height:270px}.selfservice-band .band-grid h2{font-size:41px}.band-side{border-left:0;border-top:1px solid #6bb8df53;padding:25px 0 0}.band-side p{margin-bottom:13px}.final-cta-inner{display:block}.final-cta-inner h2{font-size:36px}.final-cta-inner .btn{margin-top:25px}.page-hero{padding:57px 0}.page-hero h1{font-size:45px}.page-hero .lede{font-size:14px}.hero-watermark{display:none}.action-card{min-height:365px}.action-card:last-child{min-height:360px}.faq-layout{gap:25px}.service-row{grid-template-columns:1fr;gap:9px}.service-row ul{margin-top:8px}.leader-mark{min-height:260px}.leader-initials{font-size:84px}.leader-info h2{font-size:38px}.contact-panel{padding:28px}.contact-panel h2{font-size:37px}.contact-aside{padding:15px 0}.about-statement{padding:28px}.footer-main{grid-template-columns:1fr 1fr;gap:28px}.footer-main>div:first-child{grid-column:1/-1}.footer-bottom{display:block;line-height:2}.footer-main>div:last-child{grid-column:1/-1}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;animation:none!important;transition:none!important}}

.link-tool-section{background:#ffffff}.link-tool{background:#f0f8fc;border:1px solid #d6eaf5;border-radius:15px;padding:42px;display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}.link-tool h2{font-size:36px}.link-tool p{font-size:13px;color:#648093;line-height:1.9;margin:20px 0 0}.link-form{background:#fff;border:1px solid #d8e8f2;padding:28px;border-radius:11px;box-shadow:0 10px 24px #0d2b4109}.link-form label{font-size:12px;font-weight:850;display:block;margin-bottom:8px}.link-form input{display:block;width:100%;padding:15px;border:1px solid #c5dae7;border-radius:7px;font:inherit;font-size:13px;outline:none}.link-form input:focus{border-color:#0e9bd6;box-shadow:0 0 0 3px #35b6f628}.link-form-actions{display:flex;align-items:center;gap:16px;margin-top:17px;flex-wrap:wrap}.link-form-actions .btn{cursor:pointer}.link-form-actions>span{font-size:10px;color:#8396a5}.link-form .form-status{font-size:11px;margin:9px 0 0;min-height:12px}.link-form .form-status.error{color:#a53635}.link-form .form-status.success{color:#187b60}@media(max-width:900px){.link-tool{grid-template-columns:1fr;gap:20px}}@media(max-width:620px){.link-tool{padding:22px}.link-tool h2{font-size:32px}.link-form{padding:18px}.link-form-actions{display:block}.link-form-actions .btn{width:100%}.link-form-actions>span{display:block;margin-top:9px}}

/* 2026 header refresh: self-contained KBT logo and prominent FOR DEBTORS CTA */
.header-main{min-height:100px;gap:18px}
.brand{flex:none;min-width:0}
.brand img{display:block;width:88px;height:auto;max-height:76px;object-fit:contain}
.header-actions{gap:10px}
.btn-debtors{display:inline-flex;align-items:center;justify-content:center;background:#35b6f6;color:#082139;border:1px solid #35b6f6;border-radius:8px;padding:11px 15px;min-height:44px;white-space:nowrap;font-size:11px;font-weight:900;letter-spacing:.09em;box-shadow:0 7px 22px rgba(53,182,246,.18)}
.btn-debtors:hover{background:#90dbff;border-color:#90dbff;color:#081a2e}
.footer-brand img{width:100px;height:auto;object-fit:contain}
@media(max-width:1100px){.header-actions .btn-debtors{display:inline-flex}.desktop-nav{gap:12px}}
@media(max-width:900px){.header-main{min-height:84px}.brand img{width:79px;max-height:68px}.header-actions .btn-debtors{display:inline-flex}}
@media(max-width:620px){.header-main{min-height:77px;gap:9px}.brand img{width:68px;height:auto;max-height:61px}.header-actions{gap:5px}.header-actions .btn-debtors{display:inline-flex;min-height:40px;padding:9px 11px;font-size:10px;letter-spacing:.06em}.menu-toggle{padding:7px}}