:root{
    --ink:#0e2a33;
    --deep:#0a1f26;
    --teal:#1d6b73;
    --teal-bright:#2a9099;
    --sky:#cfe7e6;
    --mist:#f4f8f7;
    --paper:#fbfcfb;
    --sand:#e9e2d4;
    --gold:#c9a24b;
    --line:rgba(14,42,51,.12);
    --shadow:0 24px 60px -28px rgba(10,31,38,.45);
  }
  *{margin:0;padding:0;box-sizing:border-box}
  body,h1,h2,h3,h4{font-variant-ligatures:none;-webkit-font-feature-settings:"liga" 0,"clig" 0,"dlig" 0;font-feature-settings:"liga" 0,"clig" 0,"dlig" 0}
  html{scroll-behavior:smooth}
  body{
    font-family:'Archivo',sans-serif;
    color:var(--ink);
    background:var(--paper);
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
    overflow-x:hidden;
  }
  h1,h2,h3,h4{font-family:'Newsreader',serif;font-weight:600;line-height:1.1;letter-spacing:-.01em}
  a{color:inherit;text-decoration:none}
  .wrap{max-width:1180px;margin:0 auto;padding:0 28px}
  .eyebrow{
    font-size:.74rem;font-weight:600;letter-spacing:.22em;text-transform:uppercase;
    color:var(--teal);display:inline-flex;align-items:center;gap:10px;
  }
  .eyebrow::before{content:"";width:28px;height:1px;background:var(--gold)}

  /* NAV */
  header{position:sticky;top:0;z-index:50;backdrop-filter:blur(12px);
    background:rgba(251,252,251,.82);border-bottom:1px solid var(--line)}
  nav{display:flex;align-items:center;justify-content:space-between;height:78px}
  .brand{display:flex;align-items:center;gap:12px;font-family:'Newsreader',serif;
    font-weight:600;font-size:1.22rem;letter-spacing:-.02em}
  .mark{width:38px;height:38px;flex:none}
  .navlinks{display:flex;gap:34px;align-items:center}
  .navlinks a{font-size:.92rem;font-weight:500;color:var(--ink);opacity:.78;transition:.2s}
  .navlinks a:hover{opacity:1;color:var(--teal)}
  .btn{display:inline-flex;align-items:center;gap:9px;background:var(--teal);color:#fff;
    padding:13px 24px;border-radius:999px;font-weight:600;font-size:.92rem;
    border:none;cursor:pointer;transition:.25s;box-shadow:0 10px 24px -12px rgba(29,107,115,.7)}
  .btn:hover{background:var(--ink);transform:translateY(-2px)}
  .btn-ghost{background:transparent;color:var(--ink);border:1px solid var(--line);box-shadow:none}
  .btn-ghost:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
  .btn-cta{background:#e0b94f;color:#1a1205;font-weight:700;
    box-shadow:0 10px 24px -10px rgba(201,162,75,.85)}
  .btn-cta:hover{background:#caa23c;color:#000;transform:translateY(-2px)}
  .menu-toggle{display:none;background:none;border:none;cursor:pointer}

  /* HERO */
  .hero{position:relative;overflow:hidden;
    background:
      radial-gradient(120% 90% at 85% -10%, rgba(42,144,153,.16), transparent 55%),
      radial-gradient(80% 80% at 0% 100%, rgba(201,162,75,.10), transparent 60%),
      linear-gradient(180deg,var(--mist),var(--paper));}
  .hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center;
    padding:96px 0 104px}
  .hero h1{font-size:clamp(2.6rem,5.4vw,4.5rem);font-weight:600;letter-spacing:-.025em}
  .hero h1 em{font-style:italic;color:var(--teal);font-weight:500}
  .hero p.lead{font-size:1.16rem;color:#395059;max-width:30em;margin:24px 0 34px}
  .hero-cta{display:flex;gap:14px;flex-wrap:wrap}
  .hero-stats{display:flex;gap:40px;margin-top:48px;flex-wrap:wrap}
  .hero-stats .num{font-family:'Newsreader',serif;font-size:2.1rem;font-weight:600;color:var(--ink);line-height:1}
  .hero-stats .lbl{font-size:.82rem;color:#5a6f76;margin-top:6px;letter-spacing:.02em}

  .hero-card{position:relative}
  .scene{position:relative;border-radius:24px;overflow:hidden;
    box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.6)}
  .scene svg{display:block;width:100%;height:auto}
  .float-badge{position:absolute;background:#fff;border-radius:16px;padding:16px 18px;
    box-shadow:0 18px 40px -22px rgba(10,31,38,.5);display:flex;gap:12px;align-items:center;
    border:1px solid var(--line)}
  .float-badge .ic{width:38px;height:38px;border-radius:10px;background:var(--mist);
    display:grid;place-items:center;flex:none}
  .float-badge .t{font-weight:700;font-size:.95rem}
  .float-badge .s{font-size:.76rem;color:#6a7d83}
  .badge-1{top:-22px;left:-26px;animation:floaty 6s ease-in-out infinite}
  .badge-2{bottom:-24px;right:-20px;animation:floaty 6s ease-in-out infinite .8s}
  @keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}

  /* fade-in */
  .reveal{opacity:0;transform:translateY(26px);transition:.7s cubic-bezier(.2,.7,.2,1)}
  .reveal.in{opacity:1;transform:none}

  section{padding:96px 0}
  .section-head{max-width:640px;margin-bottom:56px}
  .section-head h2{font-size:clamp(2rem,3.6vw,2.9rem);margin:16px 0 16px}
  .section-head p{color:#4f656c;font-size:1.06rem}

  /* WHAT ARE SURPLUS FUNDS */
  .explain{background:var(--mist)}
  .explain-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
  .explain ul{list-style:none;margin-top:24px;display:grid;gap:18px}
  .explain li{display:flex;gap:14px;align-items:flex-start;font-size:1.02rem;color:#3d545c}
  .check{width:24px;height:24px;flex:none;border-radius:50%;background:var(--teal);
    display:grid;place-items:center;margin-top:2px}
  .check svg{width:13px;height:13px}
  .money-vis{background:#fff;border-radius:22px;padding:38px;border:1px solid var(--line);
    box-shadow:var(--shadow)}
  .bar-row{display:flex;align-items:flex-end;justify-content:space-between;gap:18px;height:200px;margin-top:8px}
  .bar{flex:1;border-radius:10px 10px 0 0;position:relative;display:flex;justify-content:center}
  .bar span{position:absolute;top:-26px;font-weight:700;font-size:.85rem;white-space:nowrap}
  .bar.b1{background:linear-gradient(var(--sand),#d8cfbb)}
  .bar.b2{background:linear-gradient(var(--teal-bright),var(--teal))}
  .bar.b3{background:linear-gradient(var(--gold),#b88f3c)}
  .bar-cap{display:flex;justify-content:space-between;gap:18px;margin-top:14px}
  .bar-cap div{flex:1;text-align:center;font-size:.78rem;color:#6a7d83;font-weight:500}

  .paid-note{display:flex;gap:14px;align-items:flex-start;margin-top:26px;padding:18px 20px;
    background:rgba(29,107,115,.07);border:1px solid rgba(29,107,115,.18);border-radius:14px}
  .paid-note svg{flex:none;margin-top:2px}
  .paid-note p{font-size:.96rem;color:#37535b;margin:0}
  .paid-note strong{color:var(--teal);font-weight:700}

  /* INDUSTRY STANDARDS */
  .standards{margin-top:72px;background:#fff;border:1px solid var(--line);border-radius:24px;
    padding:48px;box-shadow:var(--shadow);display:grid;grid-template-columns:.85fr 1.15fr;
    gap:50px;align-items:center}
  .standards-head h3{font-size:clamp(1.5rem,2.6vw,2rem);margin:14px 0 14px}
  .standards-head p{color:#4f656c;font-size:1rem}
  .scale-track{position:relative;height:54px;background:var(--mist);border-radius:12px;
    border:1px solid var(--line);margin-bottom:10px}
  .scale-band{position:absolute;top:0;bottom:0;border-radius:8px}
  .scale-band.industry{background:#bcd6d4}
  .scale-band.atty{background:repeating-linear-gradient(45deg,#e3d8b8,#e3d8b8 6px,#ece3cb 6px,#ece3cb 12px);opacity:.9}
  .scale-marker{position:absolute;top:-6px;bottom:-6px;transform:translateX(-50%)}
  .scale-marker .dot{width:18px;height:18px;border-radius:50%;background:var(--teal);
    border:4px solid #fff;box-shadow:0 4px 12px rgba(29,107,115,.5);position:absolute;
    top:50%;left:50%;transform:translate(-50%,-50%);z-index:3}
  .scale-marker .tag{position:absolute;bottom:calc(100% + 8px);left:50%;transform:translateX(-50%);
    background:var(--teal);color:#fff;font-size:.72rem;line-height:1.25;text-align:center;
    padding:6px 10px;border-radius:8px;white-space:nowrap;font-weight:500}
  .scale-marker .tag b{font-family:'Newsreader',serif;font-size:.92rem}
  .scale-marker .tag::after{content:"";position:absolute;top:100%;left:50%;transform:translateX(-50%);
    border:5px solid transparent;border-top-color:var(--teal)}
  .scale-axis{display:flex;justify-content:space-between;font-size:.74rem;color:#7c8c91;
    font-weight:600;padding:0 2px}
  .scale-legend{display:grid;gap:8px;margin-top:20px}
  .scale-legend span{display:flex;align-items:center;gap:9px;font-size:.84rem;color:#41585f}
  .scale-legend i{width:14px;height:14px;border-radius:4px;flex:none}
  .scale-foot{font-size:.76rem;color:#7c8c91;margin-top:16px;line-height:1.55}

  /* PROCESS */
  .steps{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
  .step{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:30px 26px;
    position:relative;transition:.3s}
  .step:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
  .step .n{font-family:'Newsreader',serif;font-size:2.4rem;color:var(--sky);font-weight:600;line-height:1}
  .step h3{font-size:1.22rem;margin:14px 0 10px}
  .step p{font-size:.95rem;color:#52686f}

  /* WHY / NETWORK */
  .why{background:var(--deep);color:#dfece9;position:relative;overflow:hidden}
  .why::before{content:"";position:absolute;inset:0;
    background:radial-gradient(70% 60% at 90% 0%,rgba(42,144,153,.22),transparent 60%)}
  .why .wrap{position:relative}
  .why .eyebrow{color:var(--gold)}
  .why .eyebrow::before{background:var(--gold)}
  .why h2{color:#fff;font-size:clamp(2rem,3.6vw,2.9rem);margin:16px 0 18px}
  .why .lead{color:#a9c4c2;max-width:42em;font-size:1.08rem}
  .feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:54px}
  .feature{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);
    border-radius:18px;padding:30px 28px;transition:.3s}
  .feature:hover{background:rgba(255,255,255,.08);transform:translateY(-5px)}
  .feature .fic{width:48px;height:48px;border-radius:12px;background:rgba(42,144,153,.2);
    display:grid;place-items:center;margin-bottom:18px}
  .feature h3{color:#fff;font-size:1.2rem;margin-bottom:10px}
  .feature p{color:#9fbab8;font-size:.95rem}

  /* STATES */
  .states .section-head{margin:0 auto 50px;text-align:center}
  .states .section-head .eyebrow{justify-content:center}
  .map-wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:50px;align-items:center}
  .state-grid{display:grid;grid-template-columns:repeat(8,1fr);gap:10px}
  .state-chip{aspect-ratio:1;display:grid;place-items:center;border-radius:10px;
    background:var(--mist);border:1px solid var(--line);font-weight:600;font-size:.86rem;
    color:var(--teal);transition:.25s;cursor:default}
  .state-chip:hover{background:var(--teal);color:#fff;transform:scale(1.08);border-color:transparent}
  .states-side h3{font-size:1.6rem;margin-bottom:14px}
  .states-side p{color:#4f656c;margin-bottom:18px}
  .count-pill{display:inline-flex;align-items:baseline;gap:10px;background:var(--mist);
    border:1px solid var(--line);border-radius:14px;padding:18px 24px}
  .count-pill .big{font-family:'Newsreader',serif;font-size:2.6rem;color:var(--teal);font-weight:700;line-height:1}
  .count-pill .small{font-size:.9rem;color:#52686f}

  /* CTA / CONTACT */
  .contact{background:var(--mist)}
  .contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px}
  .contact-info h2{font-size:clamp(2rem,3.6vw,2.9rem);margin:16px 0 18px}
  .contact-info p{color:#4f656c;font-size:1.05rem;margin-bottom:30px}
  .contact-list{display:grid;gap:18px}
  .contact-list .row{display:flex;gap:14px;align-items:center}
  .contact-list .ic{width:46px;height:46px;border-radius:12px;background:#fff;
    border:1px solid var(--line);display:grid;place-items:center;flex:none}
  .contact-list .lbl{font-size:.78rem;color:#6a7d83;letter-spacing:.04em}
  .contact-list .val{font-weight:600;font-size:1.02rem}
  form{background:#fff;border:1px solid var(--line);border-radius:22px;padding:38px;
    box-shadow:var(--shadow)}
  .field{margin-bottom:18px}
  label{display:block;font-size:.82rem;font-weight:600;margin-bottom:7px;letter-spacing:.02em}
  input,select,textarea{width:100%;padding:13px 15px;border:1px solid var(--line);border-radius:11px;
    font-family:inherit;font-size:.96rem;background:var(--paper);color:var(--ink);transition:.2s}
  input:focus,select:focus,textarea:focus{outline:none;border-color:var(--teal);
    box-shadow:0 0 0 3px rgba(42,144,153,.15)}
  .two{display:grid;grid-template-columns:1fr 1fr;gap:16px}
  form .btn{width:100%;justify-content:center;margin-top:8px}
  .form-note{font-size:.78rem;color:#7c8c91;margin-top:14px;text-align:center}

  /* FOOTER */
  footer{background:var(--deep);color:#9fbab8;padding:64px 0 32px}
  .foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:50px;margin-bottom:48px}
  .foot-brand{display:flex;align-items:center;gap:12px;color:#fff;font-family:'Newsreader',serif;
    font-size:1.2rem;font-weight:600;margin-bottom:16px}
  footer h4{color:#fff;font-family:'Archivo',sans-serif;font-size:.82rem;letter-spacing:.14em;
    text-transform:uppercase;margin-bottom:18px;font-weight:600}
  footer ul{list-style:none;display:grid;gap:11px}
  footer ul a{color:#9fbab8;font-size:.92rem;transition:.2s}
  footer ul a:hover{color:var(--gold)}
  .foot-bottom{border-top:1px solid rgba(255,255,255,.1);padding-top:26px;
    display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.82rem}
  .disclaimer{max-width:60em;font-size:.78rem;color:#7794954d;color:rgba(159,186,184,.7);
    line-height:1.6;margin-top:18px}

  @media(max-width:900px){
    .hero-grid,.explain-grid,.map-wrap,.contact-grid,.feature-grid,.foot-grid{grid-template-columns:1fr}
    .standards{grid-template-columns:1fr;padding:34px;gap:34px;margin-top:54px}
    .steps{grid-template-columns:1fr 1fr}
    .feature-grid{gap:18px}
    .hero-card{order:-1;max-width:480px;margin:0 auto}
    .navlinks{display:none}
    .menu-toggle{display:block}
    .state-grid{grid-template-columns:repeat(6,1fr)}
    section{padding:70px 0}
  }
  @media(max-width:560px){
    .steps,.two{grid-template-columns:1fr}
    .state-grid{grid-template-columns:repeat(4,1fr)}
    .hero-stats{gap:26px}
  }

  /* ---- multi-page additions ---- */
  .navlinks a.active{opacity:1;color:var(--teal)}
  .navlinks a.active::after{content:"";display:block;height:2px;background:var(--gold);
    border-radius:2px;margin-top:3px}
  .page-hero{background:
      radial-gradient(120% 90% at 85% -20%, rgba(42,144,153,.14), transparent 55%),
      linear-gradient(180deg,var(--mist),var(--paper));
    padding:84px 0 64px;border-bottom:1px solid var(--line)}
  .page-hero .eyebrow{margin-bottom:14px}
  .page-hero h1{font-size:clamp(2.2rem,4.4vw,3.4rem);font-weight:600;letter-spacing:-.025em;max-width:18em}
  .page-hero p{color:#4f656c;font-size:1.12rem;max-width:40em;margin-top:18px}
  .crumbs{font-size:.82rem;color:#7c8c91;margin-bottom:22px;display:flex;gap:8px;align-items:center}
  .crumbs a{color:var(--teal);font-weight:500}
  .crumbs span{opacity:.5}
  .mobile-nav{display:none;flex-direction:column;gap:4px;padding:14px 0 18px;border-top:1px solid var(--line)}
  .mobile-nav.open{display:flex}
  .mobile-nav a{padding:11px 4px;font-weight:500;color:var(--ink);opacity:.8;border-radius:8px}
  .mobile-nav a:hover,.mobile-nav a.active{opacity:1;color:var(--teal)}
  @media(max-width:900px){
    .page-hero{padding:60px 0 48px}
  }

  /* ---- legal pages ---- */
  .legal{padding:64px 0 96px}
  .legal-wrap{max-width:820px;margin:0 auto;padding:0 28px}
  .legal .updated{font-size:.86rem;color:#7c8c91;margin-bottom:8px}
  .legal-notice{background:rgba(201,162,75,.1);border:1px solid rgba(201,162,75,.4);
    border-radius:14px;padding:18px 22px;margin:28px 0 36px;font-size:.92rem;color:#5c5024;line-height:1.6}
  .legal-notice strong{color:#8a6e2a}
  .legal h2{font-size:1.5rem;margin:40px 0 14px;color:var(--ink)}
  .legal h3{font-family:'Archivo',sans-serif;font-size:1.05rem;font-weight:700;margin:24px 0 10px;color:var(--ink)}
  .legal p{color:#3d545c;margin-bottom:16px;font-size:1rem;line-height:1.7}
  .legal ul{margin:0 0 16px 4px;padding-left:22px;color:#3d545c}
  .legal li{margin-bottom:9px;line-height:1.65}
  .legal a{color:var(--teal);font-weight:500}
  .legal .placeholder{background:rgba(29,107,115,.08);border-radius:5px;padding:1px 7px;
    font-style:italic;color:var(--teal);font-size:.94em}
  .legal-toc{background:var(--mist);border:1px solid var(--line);border-radius:14px;
    padding:24px 28px;margin-bottom:8px}
  .legal-toc h4{font-family:'Archivo',sans-serif;font-size:.78rem;letter-spacing:.12em;
    text-transform:uppercase;color:var(--teal);margin-bottom:14px;font-weight:700}
  .legal-toc ol{margin:0;padding-left:20px;columns:2;column-gap:32px}
  .legal-toc li{margin-bottom:8px;font-size:.92rem}
  @media(max-width:600px){.legal-toc ol{columns:1}}

  /* ---- SEO / a11y helpers ---- */
  .sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;
    clip:rect(0,0,0,0);white-space:nowrap;border:0}