/* Evolve Financial — shared design system */
:root{--navy:#0b193c;--navy-d:#060f24;--emerald:#50c783;--emerald-b:#6fe6a0;--emerald-deep:#2a9a66;--cream:#f4f0ec;--ink:#0b193c;--muted:#5b6577;--line:rgba(11,25,60,.12);--gold:#e0b34e;--maxw:1180px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:"Hanken Grotesk",system-ui,sans-serif;color:var(--ink);background:var(--cream);line-height:1.6;-webkit-font-smoothing:antialiased}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.wrap-c{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.serif{font-family:"Newsreader",serif;font-style:italic}
.eyebrow{font-size:.76rem;letter-spacing:.2em;text-transform:uppercase;font-weight:600;color:var(--emerald-deep)}
.eyebrow.dk{color:var(--emerald)}
em.ac,.ac{font-family:"Newsreader",serif;font-style:italic;color:var(--emerald-deep);font-weight:400}

.btn{display:inline-flex;align-items:center;gap:.5rem;font-weight:600;font-size:.96rem;padding:.85rem 1.5rem;border-radius:999px;transition:transform .2s,box-shadow .2s;cursor:pointer;border:0;white-space:nowrap;font-family:inherit}
.btn-primary{background:var(--emerald);color:var(--navy);box-shadow:0 10px 26px -8px rgba(80,199,131,.7)}
.btn-primary:hover{transform:translateY(-2px)}
.btn-ghost{background:transparent;border:1.5px solid var(--line);color:var(--ink)}
.btn-ghost:hover{border-color:var(--navy);transform:translateY(-2px)}
.btn-ghost.dk{color:#fff;border-color:rgba(255,255,255,.3)}
.btn-ghost.dk:hover{border-color:#fff}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:60;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:0 4%;height:74px;background:var(--cream);box-shadow:0 1px 0 var(--line)}
.logo{flex:none;display:inline-flex;align-items:center}.logo img{height:30px;display:block}
.links{display:flex;align-items:center;gap:2.1rem;font-size:.93rem;font-weight:500}
.links .navlink{display:inline-flex;align-items:center;gap:.35rem;color:#2b3550;background:none;border:0;font-family:inherit;font-size:.93rem;font-weight:500;cursor:pointer;transition:color .2s;white-space:nowrap}
.links .navlink:hover,.links a.active{color:var(--emerald-deep)}
.ca{width:0;height:0;border-left:4px solid transparent;border-right:4px solid transparent;border-top:5px solid currentColor;opacity:.6;transition:transform .2s}
.item{position:relative}.item:hover .ca{transform:rotate(180deg)}
.dropdown{position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%) translateY(8px);background:#fff;border:1px solid var(--line);box-shadow:0 24px 48px -24px rgba(11,25,60,.4);border-radius:14px;padding:8px;min-width:210px;opacity:0;visibility:hidden;transition:.22s}
.item:hover .dropdown{opacity:1;visibility:visible;transform:translateX(-50%)}
.dropdown::before{content:"";position:absolute;top:-16px;left:0;right:0;height:16px}
.dropdown a{display:block;padding:.65rem .85rem;border-radius:9px;font-size:.92rem;color:#2b3550;white-space:nowrap}
.dropdown a:hover{background:rgba(80,199,131,.12);color:var(--emerald-deep)}
.nav-r{display:flex;align-items:center;gap:14px;flex:none}
.ham{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:4px}
.ham span{width:24px;height:2px;background:var(--ink);border-radius:2px;transition:.3s}
@media(max-width:1040px){.links{display:none}.ham{display:flex}}
.cta-nav{background:var(--emerald);color:var(--navy);font-weight:600;font-size:.86rem;padding:.7rem 1.3rem;border-radius:999px}
@media(max-width:520px){.cta-nav{display:none}}
.mm{position:fixed;top:74px;left:0;right:0;z-index:55;background:var(--cream);border-bottom:1px solid var(--line);padding:18px 6% 26px;display:none;flex-direction:column;gap:2px;box-shadow:0 20px 40px -24px rgba(11,25,60,.4)}
.mm.open{display:flex}
.mm a{padding:.8rem .2rem;border-bottom:1px solid var(--line);font-weight:500;color:#2b3550}
.mm .grp{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--emerald-deep);font-weight:700;margin-top:14px;padding:.2rem}
.mm .btn{margin-top:18px;justify-content:center}

/* PAGE HERO (inner pages) */
.phero{position:relative;background:radial-gradient(115% 130% at 80% 0,#163463 0%,#0b193c 50%,#070f25 100%);color:#fff;padding:140px 0 86px;overflow:hidden}
.phero .stars{position:absolute;inset:0;pointer-events:none;opacity:.7;background-repeat:repeat;background-size:230px 230px;background-image:radial-gradient(1.4px 1.4px at 30px 42px,rgba(120,225,185,.55),transparent),radial-gradient(1px 1px at 120px 90px,rgba(150,210,255,.45),transparent),radial-gradient(1.6px 1.6px at 80px 165px,rgba(120,225,185,.4),transparent),radial-gradient(1px 1px at 175px 30px,rgba(255,255,255,.3),transparent),radial-gradient(1.2px 1.2px at 200px 130px,rgba(120,225,185,.35),transparent)}
.phero .glow{position:absolute;right:-8%;top:-10%;width:48vw;height:48vw;border-radius:50%;pointer-events:none;background:radial-gradient(circle at 40% 40%,rgba(80,199,131,.26),transparent 60%);filter:blur(8px)}
.phero .wrap-c{position:relative;z-index:2}
.crumb{font-size:.82rem;color:#9fb0d0;margin-bottom:1.2rem}.crumb a:hover{color:var(--emerald-b)}.crumb span{opacity:.5;margin:0 .4rem}
.phero h1{font-weight:500;font-size:clamp(2.3rem,5vw,4rem);line-height:1.04;letter-spacing:-.02em;max-width:18ch}
.phero h1 em{font-family:"Newsreader",serif;font-style:italic;color:var(--emerald-b);font-weight:400}
.phero .sub{margin-top:1.3rem;color:#c3cce0;font-size:clamp(1.05rem,1.5vw,1.22rem);max-width:52ch}
.phero .ctas{margin-top:2.2rem;display:flex;gap:1rem;flex-wrap:wrap}

/* SECTIONS */
section{padding:90px 0}
.sec-head{max-width:62ch}
.sec-head.center{margin:0 auto;text-align:center}
.sec-head h2{font-weight:500;font-size:clamp(2rem,3.6vw,2.9rem);line-height:1.08;letter-spacing:-.02em;margin-top:.7rem}
.sec-head h2 em{font-family:"Newsreader",serif;font-style:italic;color:var(--emerald-deep)}
.sec-head p{margin-top:1rem;color:var(--muted);font-size:1.08rem}
.bg-cream{background:var(--cream)}.bg-white{background:#fff}.bg-navy{background:var(--navy);color:#fff}
.bg-navy .sec-head h2{color:#fff}.bg-navy .sec-head h2 em{color:var(--emerald-b)}.bg-navy .sec-head p{color:#aab4cf}

/* STATS */
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;text-align:center}
.stat .num{font-family:"Newsreader",serif;font-style:italic;font-size:clamp(2.2rem,4vw,3.2rem);color:var(--navy);line-height:1}
.bg-navy .stat .num{color:#fff}
.stat .lbl{margin-top:.5rem;color:var(--muted);font-size:.95rem}
.bg-navy .stat .lbl{color:#aab4cf}

/* CARDS */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.card{position:relative;overflow:hidden;background:var(--cream);border:1px solid var(--line);border-radius:18px;padding:32px;transition:transform .25s,box-shadow .25s,border-color .25s}
.bg-cream .card{background:#fff}
.card .topline{position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--emerald),transparent);opacity:0;transition:.25s}
.card:hover{transform:translateY(-5px);box-shadow:0 26px 50px -28px rgba(11,25,60,.45);border-color:rgba(80,199,131,.55)}
.card:hover .topline{opacity:1}
.card .badge{position:absolute;top:18px;right:18px;background:var(--emerald);color:var(--navy);font-size:.66rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;padding:.3rem .6rem;border-radius:999px}
.card .ico{width:50px;height:50px;border-radius:13px;background:rgba(80,199,131,.16);display:grid;place-items:center;margin-bottom:16px}
.card .ico svg{width:26px;height:26px;stroke:var(--emerald-deep);fill:none;stroke-width:2}
.card .svc-img{height:74px;width:auto;margin-bottom:6px}
.card h3{font-size:1.35rem;font-weight:600;margin-top:4px}
.card p{margin-top:.5rem;color:var(--muted)}
.card .more{margin-top:1rem;display:inline-flex;gap:.4rem;color:var(--emerald-deep);font-weight:600;font-size:.92rem;transition:gap .2s}
.card:hover .more{gap:.65rem}

/* SPLIT content+visual */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.split.rev .visual{order:-1}
.split .visual{background:radial-gradient(120% 120% at 100% 0,#11244a,var(--navy));border-radius:22px;min-height:320px;display:grid;place-items:center;color:#fff;padding:30px;overflow:hidden;position:relative}
.split .visual img{max-height:260px;width:auto}

/* CHECKLIST */
.checklist{list-style:none;display:grid;gap:14px;margin-top:8px}
.checklist li{position:relative;padding-left:36px;color:var(--ink)}
.checklist li::before{content:"";position:absolute;left:0;top:2px;width:22px;height:22px;border-radius:50%;background:rgba(80,199,131,.18)}
.checklist li::after{content:"";position:absolute;left:7px;top:8px;width:8px;height:4px;border-left:2px solid var(--emerald-deep);border-bottom:2px solid var(--emerald-deep);transform:rotate(-45deg)}
.checklist.two{grid-template-columns:1fr 1fr;gap:14px 28px}
.checklist li b{font-weight:600}.checklist li span{display:block;color:var(--muted);font-size:.92rem;margin-top:2px}

/* TIMELINE (how it works) */
.tl{position:relative;margin-top:60px;display:grid;grid-template-columns:repeat(3,1fr);gap:30px}
.tl.four{grid-template-columns:repeat(4,1fr)}
.tl .bar{position:absolute;top:30px;left:16%;right:16%;height:2px;background:rgba(11,25,60,.14)}
.tl .barfill{position:absolute;top:30px;left:16%;height:2px;background:var(--emerald);width:0;transition:width 1.8s cubic-bezier(.4,0,.2,1)}
.tl.in .barfill{width:68%}
.tstep{text-align:center;position:relative}
.node{width:62px;height:62px;border-radius:50%;background:#fff;border:2px solid var(--line);display:grid;place-items:center;margin:0 auto 20px;font-family:"Newsreader",serif;font-size:1.7rem;color:var(--muted);position:relative;z-index:2;transition:all .5s}
.tl.in .tstep:nth-child(3) .node{transition-delay:.15s}.tl.in .tstep:nth-child(4) .node{transition-delay:.5s}.tl.in .tstep:nth-child(5) .node{transition-delay:.85s}.tl.in .tstep:nth-child(6) .node{transition-delay:1.2s}
.tl.in .node{background:var(--emerald);border-color:var(--emerald);color:var(--navy);box-shadow:0 0 0 6px rgba(80,199,131,.16)}
.tstep h3{font-size:1.2rem;font-weight:600}
.tstep p{margin-top:.5rem;color:var(--muted);font-size:.96rem;padding:0 8px}
.bg-navy .node{background:#0e224a;border-color:rgba(255,255,255,.2);color:#fff}
.bg-navy .tstep h3{color:#fff}.bg-navy .tstep p{color:#aab4cf}.bg-navy .tl .bar{background:rgba(255,255,255,.14)}

/* FAQ */
.faq-list{max-width:820px;margin:44px auto 0;border-top:1px solid var(--line)}
.qa{border-bottom:1px solid var(--line)}
.qa button{width:100%;text-align:left;background:none;border:0;cursor:pointer;padding:24px 0;display:flex;justify-content:space-between;align-items:center;gap:1rem;font-size:1.15rem;font-weight:600;color:var(--navy);font-family:inherit}
.qa .plus{flex:none;width:24px;height:24px;position:relative}
.qa .plus::before,.qa .plus::after{content:"";position:absolute;background:var(--emerald-deep);border-radius:2px;left:50%;top:50%;transform:translate(-50%,-50%)}
.qa .plus::before{width:14px;height:2px}.qa .plus::after{width:2px;height:14px;transition:transform .3s}
.qa.open .plus::after{transform:translate(-50%,-50%) scaleY(0)}
.qa .ans{max-height:0;overflow:hidden;transition:max-height .35s ease}
.qa .ans p{padding-bottom:24px;color:var(--muted)}

/* CONTACT / CTA */
.final{background:radial-gradient(110% 130% at 50% 0,#14306c,var(--navy) 60%);color:#fff}
.contact-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:50px;align-items:start}
.contact-left h2{font-weight:500;font-size:clamp(2rem,3.6vw,2.9rem);line-height:1.1;letter-spacing:-.02em;margin-top:.6rem}
.contact-left h2 em{font-family:"Newsreader",serif;font-style:italic;color:var(--emerald-b)}
.contact-left>p{margin-top:1rem;color:#c3cce0;font-size:1.08rem;max-width:42ch}
.reassure{list-style:none;margin:1.6rem 0 0;display:flex;flex-direction:column;gap:.6rem}
.reassure li{color:#dbe3f4;font-size:.98rem}.reassure li::before{content:"✓";color:var(--emerald);font-weight:800;margin-right:.55rem}
.cmail{margin-top:1.6rem;color:#9aa6c4;font-size:.95rem}.cmail a{color:var(--emerald-b);font-weight:600;white-space:nowrap}
.form-card{background:#fff;border-radius:22px;padding:32px;box-shadow:0 40px 80px -40px rgba(0,0,0,.6)}
.form-card .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{margin-bottom:14px}
.field label{display:block;font-size:.8rem;font-weight:600;color:var(--navy);margin-bottom:6px}.field label span{color:var(--muted);font-weight:400}
.form-card input,.form-card textarea{width:100%;padding:.78rem .9rem;border:1px solid var(--line);border-radius:10px;font-family:inherit;font-size:.95rem;color:var(--ink);background:#fff;transition:border-color .2s,box-shadow .2s}
.form-card input::placeholder,.form-card textarea::placeholder{color:#9aa1ad}
.form-card input:focus,.form-card textarea:focus{outline:none;border-color:var(--emerald);box-shadow:0 0 0 3px rgba(80,199,131,.18)}
.form-card textarea{min-height:108px;resize:vertical}
.form-card .btn-primary{width:100%;justify-content:center;margin-top:6px;border:0;cursor:pointer}
.form-note{text-align:center;font-size:.78rem;color:var(--muted);margin-top:12px}
.form-success{display:none;text-align:center;padding:36px 10px}.form-success.show{display:block}
.form-success .okmark{width:60px;height:60px;border-radius:50%;background:rgba(80,199,131,.16);color:var(--emerald-deep);display:grid;place-items:center;font-size:1.6rem;font-weight:800;margin:0 auto 16px}
.form-success h3{font-size:1.4rem;font-weight:600;color:var(--navy)}.form-success p{color:var(--muted);margin-top:.5rem}

/* FOOTER */
footer{background:#07112b;color:#aab4cf;padding:64px 0 34px;font-size:.94rem}
.f-grid{display:grid;grid-template-columns:1.6fr repeat(4,1fr);gap:30px}
footer .flogo{height:30px;margin-bottom:1rem}
footer h4{color:#fff;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:1rem}
footer ul{list-style:none}footer li{margin-bottom:.6rem}footer a:hover{color:var(--emerald)}
.f-bottom{margin-top:48px;padding-top:24px;border-top:1px solid rgba(255,255,255,.08);display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;font-size:.85rem;color:#7e8bab}
.fsocial{display:flex;gap:14px;margin-top:1.1rem}
.fsocial a{color:var(--emerald-b);display:inline-flex;transition:color .2s,transform .2s}
.fsocial a:hover{color:#fff;transform:translateY(-2px)}
.fsocial svg{width:22px;height:22px;fill:currentColor}

/* REVEAL */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s,transform .7s}
.reveal.in{opacity:1;transform:none}

@media(max-width:980px){.split{grid-template-columns:1fr;gap:30px}.split.rev .visual{order:0}}
@media(max-width:900px){
 .stats-grid{grid-template-columns:repeat(2,1fr);gap:34px 20px}
 .grid-3,.grid-2{grid-template-columns:1fr}
 .tl,.tl.four{grid-template-columns:1fr;gap:34px}.tl .bar,.tl .barfill{display:none}
 .checklist.two{grid-template-columns:1fr}
 .contact-grid{grid-template-columns:1fr;gap:34px}.form-card .row{grid-template-columns:1fr}
 .f-grid{grid-template-columns:1fr 1fr}
 section{padding:68px 0}
}
@media(max-width:560px){.f-grid{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none}.phero .glow{display:none}}
/* local area chips (city pages) */
.area-wrap{display:flex;flex-wrap:wrap;gap:.5rem;justify-content:center;max-width:860px;margin:1.5rem auto 0}
.area-wrap span{background:#fff;border:1px solid rgba(11,25,60,.1);border-radius:999px;padding:.46rem .95rem;font-size:.92rem;color:#0b193c;font-weight:500;line-height:1}