/* JWC Business Capital — Design System v2 */
:root{
  --navy:#0b2545; --navy-deep:#081a33; --navy-mid:#123362;
  --gold:#c9a24b; --gold-dark:#b08a35; --slate:#41506b;
  --ink:#1c2536; --muted:#5b6779; --line:#e3e8f0;
  --bg:#ffffff; --bg-soft:#f5f7fa; --bg-navy-tint:#eef2f8;
  --radius:12px; --shadow:0 10px 30px rgba(11,37,69,.10);
  --font:'Inter',system-ui,-apple-system,sans-serif;
  --font-display:'Libre Franklin','Inter',sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.65;font-size:16.5px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
.container{max-width:1180px;margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy);line-height:1.18;letter-spacing:-.015em}
h1{font-size:clamp(2.1rem,4.6vw,3.35rem);font-weight:800}
h2{font-size:clamp(1.55rem,3vw,2.25rem);font-weight:800}
h3{font-size:1.22rem;font-weight:700}
p{color:var(--muted)}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:14px}
section{padding:72px 0}
.section-head{max-width:760px;margin:0 auto 46px;text-align:center}
.section-head p{margin-top:12px;font-size:1.05rem}

/* Buttons */
.btn{display:inline-block;padding:13px 26px;border-radius:8px;font-weight:600;font-size:.98rem;border:2px solid transparent;cursor:pointer;transition:.18s;text-align:center}
.btn-lg{padding:16px 34px;font-size:1.05rem}
.btn-gold{background:var(--gold);color:var(--navy-deep);border-color:var(--gold)}
.btn-gold:hover{background:var(--gold-dark);border-color:var(--gold-dark)}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-mid)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-outline-light{border-color:rgba(255,255,255,.65);color:#fff;background:transparent}
.btn-outline-light:hover{background:#fff;color:var(--navy)}

/* Header */
.site-header{position:sticky;top:0;z-index:100;background:#fff;border-bottom:1px solid var(--line)}
.topbar{background:var(--navy-deep);color:#cfd9e8;font-size:.85rem}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;padding-top:7px;padding-bottom:7px}
.topbar-phone{color:var(--gold);font-weight:700}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;gap:20px}
.logo{display:flex;align-items:center;gap:12px}
.logo-mark{display:flex;align-items:center;justify-content:center;width:48px;height:48px;background:var(--navy);color:var(--gold);font-family:var(--font-display);font-weight:800;font-size:.95rem;letter-spacing:.04em;border-radius:9px;border:2px solid var(--gold);flex:none}
.logo-text{display:flex;flex-direction:column;line-height:1.15}
.logo-text strong{color:var(--navy);font-size:1.02rem;font-weight:800}
.logo-text em{font-style:normal;color:var(--gold-dark);font-size:.68rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase}
.main-nav{display:flex;align-items:center;gap:22px}
.main-nav a{font-weight:600;font-size:.93rem;color:var(--slate)}
.main-nav a:hover,.main-nav a.active{color:var(--navy)}
.main-nav a.active{box-shadow:0 2px 0 var(--gold)}
.nav-cta{margin-left:6px;padding:10px 20px}
.nav-toggle{display:none;background:none;border:none;flex-direction:column;gap:5px;padding:8px}
.nav-toggle span{width:26px;height:3px;background:var(--navy);border-radius:2px}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy-deep) 0%,var(--navy) 55%,var(--navy-mid) 100%);color:#fff;padding:96px 0 88px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-180px;top:-120px;width:560px;height:560px;border-radius:50%;border:1px solid rgba(201,162,75,.25);pointer-events:none}
.hero::before{content:"";position:absolute;right:-80px;top:40px;width:420px;height:420px;border-radius:50%;border:1px solid rgba(201,162,75,.18);pointer-events:none}
.hero h1{color:#fff}
.hero .eyebrow{color:var(--gold)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero-sub{margin:20px 0 30px;font-size:1.14rem;color:#c8d3e4;max-width:560px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-note{margin-top:18px;font-size:.86rem;color:#93a5c0}
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:30px;backdrop-filter:blur(4px)}
.hero-card h3{color:#fff;margin-bottom:16px;font-size:1.05rem}
.hero-card ul{list-style:none}
.hero-card li{padding:11px 0;border-bottom:1px solid rgba(255,255,255,.1);color:#d7e0ee;font-size:.95rem;display:flex;gap:10px}
.hero-card li:last-child{border-bottom:none}
.hero-card li::before{content:"";flex:none;width:8px;height:8px;border-radius:50%;background:var(--gold);margin-top:9px}
.trustbar{background:var(--navy-deep);border-top:1px solid rgba(255,255,255,.08);padding:22px 0}
.trustbar-inner{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
.trust-item{color:#c8d3e4;font-size:.9rem;display:flex;align-items:center;gap:9px;font-weight:500}
.trust-item b{color:var(--gold)}

/* Cards */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:26px}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:.2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:#cfd9ea}
.card h3{margin-bottom:10px}
.card p{font-size:.95rem}
.card .card-link{display:inline-block;margin-top:14px;font-weight:700;font-size:.92rem;color:var(--gold-dark)}
.card .card-link:hover{color:var(--navy)}
.card-icon{width:46px;height:46px;border-radius:10px;background:var(--bg-navy-tint);display:flex;align-items:center;justify-content:center;margin-bottom:18px;color:var(--navy);font-weight:800;font-family:var(--font-display);font-size:1.05rem;border:1px solid var(--line)}
.bg-soft{background:var(--bg-soft)}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:step}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;position:relative}
.step-num{width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:16px;font-family:var(--font-display)}
.step h3{font-size:1.05rem}
.step p{font-size:.92rem;margin-top:8px}

/* Why / feature list */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.feature-list{list-style:none;margin-top:22px}
.feature-list li{display:flex;gap:14px;padding:13px 0;border-bottom:1px solid var(--line)}
.feature-list li:last-child{border-bottom:none}
.feature-check{flex:none;width:26px;height:26px;border-radius:50%;background:var(--bg-navy-tint);color:var(--gold-dark);display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.85rem;margin-top:2px;border:1px solid var(--line)}
.feature-list b{color:var(--ink)}
.feature-list span{display:block;font-size:.93rem;color:var(--muted)}
.stat-panel{background:var(--navy);border-radius:16px;padding:42px;color:#fff}
.stat-panel h3{color:var(--gold);margin-bottom:20px}
.stat-row{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.stat b{display:block;font-size:1.7rem;font-family:var(--font-display);color:#fff}
.stat span{font-size:.86rem;color:#a9bad3}

/* Use-case chips */
.chip-grid{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:10px 22px;font-size:.92rem;font-weight:600;color:var(--slate)}

/* FAQ */
.faq-list{max-width:820px;margin:0 auto}
.faq-item{border:1px solid var(--line);border-radius:10px;margin-bottom:12px;background:#fff;overflow:hidden}
.faq-item summary{padding:19px 24px;font-weight:700;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;font-size:1rem}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";color:var(--gold-dark);font-size:1.3rem;font-weight:700;line-height:1}
.faq-item[open] summary::after{content:"\2013"}
.faq-item .faq-body{padding:0 24px 20px;color:var(--muted);font-size:.96rem}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--navy-deep),var(--navy-mid));color:#fff;padding:64px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#c8d3e4;margin-top:10px;max-width:560px}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:36px;flex-wrap:wrap}
.cta-actions{display:flex;gap:14px;flex-wrap:wrap}

/* Page hero (interior) */
.page-hero{background:linear-gradient(135deg,var(--navy-deep),var(--navy) 70%);color:#fff;padding:70px 0 60px}
.page-hero h1{color:#fff;max-width:820px}
.page-hero .eyebrow{color:var(--gold)}
.page-hero p{color:#c8d3e4;max-width:700px;margin-top:16px;font-size:1.08rem}
.page-hero .hero-actions{margin-top:26px}

/* Forms */
.form-wrap{max-width:860px;margin:0 auto;background:#fff;border:1px solid var(--line);border-radius:16px;padding:44px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px 20px}
.form-field{display:flex;flex-direction:column;gap:7px}
.form-field.full{grid-column:1/-1}
.form-field label{font-weight:600;font-size:.9rem;color:var(--ink)}
.form-field label .req{color:#b3382f}
.form-field input,.form-field select,.form-field textarea{padding:13px 15px;border:1.5px solid #cbd4e1;border-radius:8px;font-family:var(--font);font-size:.97rem;color:var(--ink);background:#fff}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(11,37,69,.12)}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:.84rem;color:var(--muted);grid-column:1/-1;background:var(--bg-soft);padding:16px;border-radius:8px}
.consent input{margin-top:4px;width:17px;height:17px;flex:none}
.form-secure{display:flex;align-items:center;gap:9px;justify-content:center;margin-top:18px;font-size:.85rem;color:var(--muted)}
.form-secure svg{flex:none}
.form-note{text-align:center;font-size:.83rem;color:var(--muted);margin-top:10px}

/* Product page blocks */
.info-cols{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.info-box{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.info-box h3{margin-bottom:12px;font-size:1.05rem}
.info-box ul{list-style:none}
.info-box li{padding:8px 0 8px 24px;position:relative;font-size:.95rem;color:var(--muted);border-bottom:1px solid var(--line)}
.info-box li:last-child{border-bottom:none}
.info-box li::before{content:"\2713";position:absolute;left:0;color:var(--gold-dark);font-weight:800}
.info-box.warn li::before{content:"\2022";font-size:1.2rem;line-height:1.2}

/* Sidebar layout */
.with-sidebar{display:grid;grid-template-columns:1fr 340px;gap:44px;align-items:start}
.sidebar-card{background:var(--navy);color:#fff;border-radius:14px;padding:32px;position:sticky;top:120px}
.sidebar-card h3{color:#fff;margin-bottom:8px}
.sidebar-card p{color:#b9c7dc;font-size:.92rem;margin-bottom:18px}
.sidebar-card .btn{width:100%;margin-bottom:10px}
.sidebar-card .side-phone{display:block;text-align:center;color:var(--gold);font-weight:700;margin-top:6px}

/* Industry cards */
.industry-block{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;margin-bottom:26px}
.industry-block h3{font-size:1.3rem;margin-bottom:10px}
.tag-row{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0}
.tag{background:var(--bg-navy-tint);border:1px solid var(--line);color:var(--slate);border-radius:6px;padding:5px 12px;font-size:.82rem;font-weight:600}

/* Tables */
.compare-table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;font-size:.93rem}
.compare-table th{background:var(--navy);color:#fff;text-align:left;padding:14px 18px;font-family:var(--font-display);font-size:.9rem}
.compare-table td{padding:13px 18px;border-top:1px solid var(--line);color:var(--muted);vertical-align:top}
.compare-table td:first-child{font-weight:700;color:var(--navy)}
.table-scroll{overflow-x:auto;border-radius:12px}

/* Footer */
.site-footer{background:var(--navy-deep);color:#a9bad3;padding:64px 0 34px;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:44px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-col h4{color:#fff;font-size:.95rem;margin-bottom:16px}
.footer-col a{display:block;color:#a9bad3;padding:5px 0;font-size:.9rem}
.footer-col a:hover{color:var(--gold)}
.footer-brand p{color:#8ea1bd;font-size:.9rem;margin-top:16px}
.footer-brand .logo-text strong{color:#fff}
.footer-contact a{display:inline;color:var(--gold);font-weight:600}
.footer-disclosure{padding-top:26px}
.footer-disclosure p{color:#75879f;font-size:.78rem;margin-bottom:12px;line-height:1.6}

/* Legal pages */
.legal-body{max-width:820px;margin:0 auto}
.legal-body h2{font-size:1.35rem;margin:38px 0 12px}
.legal-body p,.legal-body li{color:var(--muted);font-size:.96rem;margin-bottom:12px}
.legal-body ul{padding-left:22px}

/* Thank you */
.center-page{text-align:center;max-width:640px;margin:0 auto;padding:110px 24px}
.center-page .big-check{width:76px;height:76px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:2rem;margin:0 auto 28px;border:3px solid var(--gold)}

/* Responsive */
@media(max-width:980px){
  .grid-3,.grid-4,.steps{grid-template-columns:repeat(2,1fr)}
  .hero-grid,.split,.with-sidebar,.info-cols{grid-template-columns:1fr}
  .sidebar-card{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
  .main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:18px 24px;border-bottom:1px solid var(--line);gap:4px;box-shadow:var(--shadow)}
  .main-nav.open{display:flex}
  .main-nav a{padding:12px 4px;font-size:1.02rem}
  .nav-cta{margin:10px 0 0}
  .nav-toggle{display:flex}
}
@media(max-width:640px){
  .grid-2,.grid-3,.grid-4,.steps,.form-grid,.stat-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  section{padding:54px 0}
  .hero{padding:64px 0 56px}
  .form-wrap{padding:28px 20px}
  .topbar-inner span:first-child{display:none}
  .topbar-inner{justify-content:center}
}