:root{
    --navy:#0B4A7C; --navy-deep:#062B4A; --navy-ink:#071A2B;
    --sky:#3FA9E0; --gold:#4FA3D9;
    --cream:#F6F8FB; --paper:#FFFFFF; --ink:#0A1F33; --slate:#55708C;
    --line:rgba(11,74,124,0.14); --max:1180px;
  }
  *{box-sizing:border-box;margin:0;padding:0;}
  html{scroll-behavior:smooth;}
  body{font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;background:var(--cream);color:var(--ink);line-height:1.65;overflow-x:hidden;}
  @media (prefers-reduced-motion: reduce){ html{scroll-behavior:auto;} *{animation-duration:.01ms !important; transition-duration:.01ms !important;} }
  h1,h2,h3,h4{font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif; font-weight:600; letter-spacing:-0.01em; color:var(--navy-ink);}
  a{color:inherit;text-decoration:none;}
  img{max-width:100%;display:block;}
  .wrap{max-width:var(--max);margin:0 auto;padding:0 32px;}
  :focus-visible{outline:3px solid var(--gold);outline-offset:3px;}
  ul{list-style:none;}

  /* ---- reveal-on-scroll utility (the PROMAFT-style transition layer) ---- */
  .reveal{opacity:0; transform:translateY(28px); transition:opacity .8s cubic-bezier(.22,.61,.36,1), transform .8s cubic-bezier(.22,.61,.36,1);}
  .reveal.is-visible{opacity:1; transform:translateY(0);}
  .reveal.d1.is-visible{transition-delay:.08s;}
  .reveal.d2.is-visible{transition-delay:.16s;}
  .reveal.d3.is-visible{transition-delay:.24s;}
  .reveal.d4.is-visible{transition-delay:.32s;}
  .reveal-zoom{opacity:0; transform:scale(.94); transition:opacity .9s ease, transform .9s ease;}
  .reveal-zoom.is-visible{opacity:1; transform:scale(1);}
  .reveal-left{opacity:0; transform:translateX(-32px); transition:opacity .8s ease, transform .8s ease;}
  .reveal-left.is-visible{opacity:1; transform:translateX(0);}
  .reveal-right{opacity:0; transform:translateX(32px); transition:opacity .8s ease, transform .8s ease;}
  .reveal-right.is-visible{opacity:1; transform:translateX(0);}

  /* ---- top progress bar (site-wide, PROMAFT-style scroll cue) ---- */
  .scroll-progress{position:fixed; top:0; left:0; height:3px; width:0%; background:linear-gradient(90deg,var(--navy),var(--sky),var(--gold)); z-index:200; transition:width .08s linear;}

  /* ---- NAV ---- */
  header.nav{position:fixed; top:0; left:0; right:0; z-index:100; background:rgba(246,248,251,0.85); backdrop-filter:blur(10px); border-bottom:1px solid transparent; transition:border-color .3s ease, box-shadow .3s ease;}
  header.nav.scrolled{border-color:var(--line); box-shadow:0 4px 20px rgba(11,74,124,0.08);}
  .nav-inner{max-width:var(--max);margin:0 auto;padding:16px 32px;display:flex;align-items:center;justify-content:space-between;}
  .logo{display:flex;align-items:center;gap:10px;font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;font-weight:700;font-size:1.1rem;color:var(--navy);}
  .logo .mark{width:32px;height:32px;border-radius:9px;background:linear-gradient(145deg,var(--navy),var(--sky));display:flex;align-items:center;justify-content:center;color:#fff;font-size:.75rem;font-weight:700;font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;}
  .logo .tag{display:block;font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;font-weight:600;font-size:.58rem;letter-spacing:.14em;color:var(--slate);text-transform:uppercase;}
  nav.links{display:flex;gap:28px;font-size:.9rem;font-weight:500;}
  nav.links a{opacity:.75;transition:opacity .2s;position:relative;}
  nav.links a::after{content:'';position:absolute;left:0;bottom:-4px;width:0;height:2px;background:var(--gold);transition:width .25s ease;}
  nav.links a:hover{opacity:1;}
  nav.links a:hover::after{width:100%;}
  .nav-cta{background:var(--navy);color:#fff;padding:10px 20px;border-radius:100px;font-size:.86rem;font-weight:600;transition:transform .2s ease, box-shadow .2s ease;}
  .nav-cta:hover{transform:translateY(-2px);box-shadow:0 10px 20px rgba(11,74,124,0.32);}
  @media (max-width:760px){ nav.links{display:none;} }

  /* ---- banner ---- */
  .live-banner{background:var(--navy-ink); color:#fff; text-align:center; font-size:.82rem; padding:9px 0; letter-spacing:.02em;}
  .live-banner .dot{display:inline-block;width:7px;height:7px;border-radius:50%;background:var(--gold);margin-right:8px;box-shadow:0 0 0 4px rgba(79,163,217,.25); animation:pulse 1.8s infinite;}
  @keyframes pulse{0%,100%{opacity:1;}50%{opacity:.4;}}

  /* ---- HERO ---- */
  .hero{position:relative;padding:96px 0 100px;overflow:hidden;
    background:radial-gradient(1100px 600px at 82% -10%, rgba(63,169,224,0.16), transparent 60%),
               radial-gradient(800px 500px at -10% 30%, rgba(79,163,217,0.10), transparent 55%), var(--cream);}
  .hero-inner{text-align:center; max-width:760px; margin:0 auto;}
  .hero h1{font-size:clamp(2.4rem,6vw,4rem); line-height:1.06; margin-bottom:22px;}
  .hero p.lead{font-size:1.12rem;color:var(--slate); margin:0 auto 16px; max-width:600px;}
  .cta-row{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin:34px 0 40px;}
  .btn{display:inline-flex;align-items:center;gap:8px;padding:15px 28px;border-radius:100px;font-weight:600;font-size:.95rem;transition:transform .2s ease, box-shadow .2s ease;}
  .btn-primary{background:var(--navy);color:#fff;box-shadow:0 10px 24px rgba(11,74,124,0.3);}
  .btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 28px rgba(11,74,124,0.4);}
  .btn-ghost{border:1.5px solid var(--line);color:var(--navy-ink);background:rgba(255,255,255,.6);}
  .btn-ghost:hover{border-color:var(--navy);background:#fff;}
  .tag-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;font-size:.82rem;color:var(--slate);}
  .tag-row span{background:#fff;border:1px solid var(--line);padding:7px 14px;border-radius:100px;}

  /* illustrative rising chart */
  .chart-card{max-width:760px;margin:56px auto 0;background:linear-gradient(160deg,var(--navy-deep),var(--navy) 70%);border-radius:28px;padding:30px 34px 22px;color:#fff;position:relative;overflow:hidden;box-shadow:0 30px 60px -22px rgba(6,43,74,.5);}
  .chart-card::before{content:'';position:absolute;inset:0;background:radial-gradient(500px 260px at 90% 0%, rgba(63,169,224,.32), transparent 60%);}
  .chart-card .ct{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:8px;position:relative;font-size:.8rem;}
  .chart-card .ct .tag{font-size:.65rem;letter-spacing:.1em;text-transform:uppercase;color:#8FC7EA;font-weight:700;}
  .chart-card h4{color:#fff;font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;font-weight:500;font-size:.95rem;opacity:.9;}
  svg.risingpath{width:100%;height:auto;position:relative;}
  .risingpath .grid-line{stroke:rgba(255,255,255,.08);stroke-width:1;}
  .risingpath .path-line{fill:none;stroke:var(--gold);stroke-width:3;stroke-linecap:round;stroke-dasharray:900;stroke-dashoffset:900;}
  .risingpath.is-visible .path-line{transition:stroke-dashoffset 2.2s cubic-bezier(.22,.61,.36,1);stroke-dashoffset:0;}
  .risingpath .area{opacity:0;}
  .risingpath.is-visible .area{transition:opacity 1s ease 1.4s;opacity:1;}
  .risingpath circle.point{fill:#fff;opacity:0;transform:scale(0);transform-origin:center;transition:opacity .3s ease, transform .3s ease;}
  .risingpath.is-visible circle.point{opacity:1;transform:scale(1);}
  .pc-foot{display:flex;justify-content:space-between;margin-top:12px;font-size:.72rem;color:rgba(255,255,255,.55);}

  /* stat row w/ animated counters */
  .stat-strip{display:flex;justify-content:center;gap:60px;flex-wrap:wrap;margin-top:52px;}
  .stat-strip .stat{text-align:center;}
  .stat-strip .num{font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;font-weight:600;font-size:2.1rem;color:var(--navy);}
  .stat-strip .label{font-size:.85rem;color:var(--slate);margin-top:4px;}

  /* ---- SECTION generic ---- */
  section{padding:100px 0;}
  .section-head{max-width:640px;margin:0 auto 50px;text-align:center;}
  .section-head h2{font-size:clamp(1.8rem,3.6vw,2.6rem);}
  .step-label{display:inline-flex;align-items:center;gap:10px;margin-bottom:16px;font-size:.76rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--navy);}
  .step-label .n{width:24px;height:24px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;font-size:.76rem;}

  .feature-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;}
  .feature-block{margin-bottom:60px;}
  .feature-block:last-child{margin-bottom:0;}
  .feature-card{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:32px;transition:transform .3s ease, box-shadow .3s ease, border-color .3s ease;}
  .feature-card:hover{transform:translateY(-6px);box-shadow:0 22px 44px -20px rgba(11,74,124,.28);border-color:rgba(11,74,124,.3);}
  .feature-card .fico{width:44px;height:44px;border-radius:12px;margin-bottom:16px;display:flex;align-items:center;justify-content:center;font-size:1.15rem;background:rgba(63,169,224,.14);color:var(--navy);}
  .feature-card h3{font-size:1.1rem;margin-bottom:8px;}
  .feature-card p{color:var(--slate);font-size:.94rem;}
  @media (max-width:720px){ .feature-grid{grid-template-columns:1fr;} }

  /* dark cash-flow section */
  .dark-sec{background:linear-gradient(180deg,var(--navy-deep),var(--navy-ink));color:#fff;}
  .dark-sec .section-head h2{color:#fff;}
  .dark-sec .section-head p{color:rgba(255,255,255,.7);}
  .cash-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center;}
  .cash-grid p{color:rgba(255,255,255,.78);margin-bottom:18px;}
  .cash-grid p strong{color:#fff;}
  .cta-row.left{justify-content:flex-start;}
  .app-shot{border-radius:26px;overflow:hidden;box-shadow:0 40px 80px -26px rgba(0,0,0,.55);border:1px solid rgba(255,255,255,.08);}
  .app-shot img{width:100%;}
  @media (max-width:860px){ .cash-grid{grid-template-columns:1fr;} }

  /* final CTA */
  .final-cta{text-align:center;background:radial-gradient(900px 500px at 50% 0%, rgba(63,169,224,.16), transparent 60%), var(--cream);}
  .final-cta h2{font-size:clamp(2rem,4.4vw,3.1rem);margin-bottom:16px;}
  .final-cta p{color:var(--slate);max-width:480px;margin:0 auto 36px;}
  .store-row{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;}
  .store-btn{display:flex;align-items:center;gap:10px;background:var(--navy-ink);color:#fff;padding:13px 22px;border-radius:14px;font-weight:600;font-size:.9rem;transition:transform .2s ease, box-shadow .2s ease;}
  .store-btn:hover{transform:translateY(-3px);box-shadow:0 14px 26px rgba(7,26,43,.3);}

  /* footer */
  footer{background:var(--navy-ink);color:rgba(255,255,255,.7);padding:64px 0 28px;font-size:.9rem;}
  .foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;margin-bottom:44px;}
  .foot-logo{display:flex;align-items:center;gap:10px;font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;font-weight:700;font-size:1.05rem;color:#fff;margin-bottom:12px;}
  footer h5{color:#fff;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:16px;font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;}
  footer ul{display:flex;flex-direction:column;gap:9px;}
  footer ul a{opacity:.75;transition:opacity .2s;}
  footer ul a:hover{opacity:1;}
  .foot-legal{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;font-size:.76rem;color:rgba(255,255,255,.5);line-height:1.7;}
  .foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;margin-top:20px;font-size:.76rem;color:rgba(255,255,255,.45);}
  .foot-bottom .links a{margin-left:16px;opacity:.8;}
  @media (max-width:820px){ .foot-grid{grid-template-columns:1fr 1fr;} }
  @media (max-width:560px){ .foot-grid{grid-template-columns:1fr;} .stat-strip{gap:34px;} }
/* ---- shared interior page hero ---- */
.page-hero{padding:150px 0 70px; text-align:center; background:radial-gradient(1000px 500px at 80% -10%, rgba(63,169,224,0.14), transparent 60%), var(--cream); border-bottom:1px solid var(--line);}
.page-hero .eyebrow{display:inline-block;font-size:.76rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--navy);background:rgba(11,74,124,0.08);border:1px solid rgba(11,74,124,0.18);padding:7px 16px;border-radius:100px;margin-bottom:18px;}
.page-hero h1{font-size:clamp(2.1rem,4.6vw,3.2rem);margin-bottom:14px;}
.page-hero p{color:var(--slate);max-width:560px;margin:0 auto;font-size:1.05rem;}
.hero-flank{display:flex;align-items:center;justify-content:center;gap:48px;text-align:center;}
.hero-flank .hero-text{flex:0 1 620px;}
.hero-flank .hero-side-img{width:190px;flex-shrink:0;border-radius:28px;box-shadow:0 40px 80px -26px rgba(0,0,0,.35);border:1px solid rgba(11,74,124,.12);}
@media (max-width:980px){ .hero-flank .hero-side-img{width:140px;} }
@media (max-width:760px){ .hero-flank{flex-direction:column;} .hero-flank .hero-side-img{display:none;} }

/* ---- timeline (About) ---- */
.timeline{max-width:760px;margin:0 auto;position:relative;padding-left:32px;border-left:2px solid var(--line);}
.timeline .t-item{position:relative;padding-bottom:44px;}
.timeline .t-item:last-child{padding-bottom:0;}
.timeline .t-item::before{content:'';position:absolute;left:-38px;top:4px;width:12px;height:12px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(79,163,217,.2);}
.timeline .t-year{font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;color:var(--navy);font-weight:600;font-size:1.05rem;margin-bottom:4px;}
.timeline .t-item p{color:var(--slate);}

.value-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
@media (max-width:820px){ .value-grid{grid-template-columns:1fr;} }

/* ---- careers ---- */
.job-list{display:flex;flex-direction:column;gap:16px;max-width:820px;margin:0 auto;}
.job-card{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:26px 28px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;transition:transform .25s ease, box-shadow .25s ease, border-color .25s ease;}
.job-card:hover{transform:translateY(-3px);box-shadow:0 18px 36px -18px rgba(11,74,124,.25);border-color:rgba(11,74,124,.3);}
.job-card h3{font-size:1.05rem;margin-bottom:6px;}
.job-card .meta{color:var(--slate);font-size:.86rem;}
.job-card .apply{background:var(--navy);color:#fff;padding:10px 20px;border-radius:100px;font-size:.85rem;font-weight:600;white-space:nowrap;transition:transform .2s ease;}
.job-card .apply:hover{transform:translateY(-2px);}
.perk-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:20px;}
@media (max-width:820px){ .perk-grid{grid-template-columns:repeat(2,1fr);} }
.perk{text-align:center;background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:22px 14px;}
.perk .pico{font-size:1.5rem;margin-bottom:10px;}
.perk .plabel{font-size:.86rem;color:var(--slate);}

/* ---- download page ---- */
.dl-hero{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;}
.dl-steps{list-style:none;display:flex;flex-direction:column;gap:18px;margin-top:26px;}
.dl-steps li{display:flex;gap:14px;align-items:flex-start;}
.dl-steps .num{width:28px;height:28px;flex-shrink:0;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;font-size:.82rem;}
.dl-steps p{color:var(--slate);}
.qr-card{background:linear-gradient(160deg,var(--navy-deep),var(--navy) 70%);border-radius:26px;padding:40px;text-align:center;color:#fff;}
.qr-box{width:160px;height:160px;background:#fff;border-radius:14px;margin:0 auto 18px;display:flex;align-items:center;justify-content:center;font-size:2.4rem;color:var(--navy);}
@media (max-width:860px){ .dl-hero{grid-template-columns:1fr;} }

/* ---- contact page ---- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;}
.contact-info .ci-item{display:flex;gap:16px;margin-bottom:26px;align-items:flex-start;}
.contact-info .ci-ico{width:42px;height:42px;border-radius:12px;background:rgba(63,169,224,.14);color:var(--navy);display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:1.1rem;}
.contact-info h4{font-size:1rem;margin-bottom:4px;}
.contact-info p{color:var(--slate);font-size:.94rem;}
.form-card{background:var(--paper);border:1px solid var(--line);border-radius:22px;padding:34px;}
.form-row{margin-bottom:18px;}
.form-row label{display:block;font-size:.84rem;font-weight:600;color:var(--navy-ink);margin-bottom:8px;}
.form-row input,.form-row select,.form-row textarea{width:100%;padding:13px 16px;border:1px solid var(--line);border-radius:10px;font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;font-size:.94rem;background:var(--cream);transition:border-color .2s ease;}
.form-row input:focus,.form-row select:focus,.form-row textarea:focus{outline:none;border-color:var(--navy);}
@media (max-width:860px){ .contact-grid{grid-template-columns:1fr;} }

/* ---- legal page ---- */
.legal-nav{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin-bottom:50px;}
.legal-nav a{font-size:.84rem;font-weight:600;color:var(--navy);background:rgba(11,74,124,.08);border:1px solid rgba(11,74,124,.18);padding:8px 16px;border-radius:100px;}
.legal-block{max-width:760px;margin:0 auto 60px;scroll-margin-top:110px;}
  .legal-block h2{font-size:1.4rem;margin-bottom:14px;}
.legal-block p, .legal-block li{color:var(--slate);margin-bottom:12px;}
.legal-block ul{padding-left:20px;list-style:disc;}

nav.links a.active-link{opacity:1;color:var(--navy);}
nav.links a.active-link::after{width:100%;}

/* ---- FLOW STORY (money-conversation, notebook-flow inspired) ---- */
.flow-intro{padding:130px 0 70px; text-align:center;}
.flow-intro .eyebrow{display:inline-block;font-size:.76rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--navy);background:rgba(11,74,124,0.08);border:1px solid rgba(11,74,124,0.18);padding:7px 16px;border-radius:100px;margin-bottom:20px;}
.flow-intro h1{font-size:clamp(2.1rem,4.8vw,3.4rem); max-width:760px; margin:0 auto 18px;}
.flow-intro p{color:var(--slate); max-width:520px; margin:0 auto; font-size:1.05rem;}

.flow-wrap{max-width:760px; margin:0 auto; padding:40px 0 20px;}
.flow{position:relative; padding-left:76px;}
.flow-track{position:absolute; left:25px; top:6px; bottom:6px; width:2px; background:var(--line);}
.flow-fill{position:absolute; left:25px; top:6px; width:2px; height:0%; background:linear-gradient(180deg, var(--navy), var(--gold)); transition:height .1s linear;}

.flow-step{position:relative; margin-bottom:76px; opacity:0; transform:translateY(24px); transition:opacity .7s ease, transform .7s ease;}
.flow-step.is-visible{opacity:1; transform:translateY(0);}
.flow-step:last-of-type{margin-bottom:0;}
.flow-badge{position:absolute; left:-76px; top:-2px; width:50px; height:50px; border-radius:50%; background:#fff; border:2px solid var(--line); display:flex; align-items:center; justify-content:center; font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif; font-weight:600; font-size:1.05rem; color:var(--slate); transition:all .35s ease; z-index:2;}
.flow-badge.active{background:var(--navy); color:#fff; border-color:var(--gold); box-shadow:0 0 0 6px rgba(79,163,217,.18);}
.flow-step h3{font-size:clamp(1.3rem, 2.8vw, 1.85rem); margin-bottom:10px; line-height:1.28;}
.flow-step p{color:var(--slate); font-size:1.02rem; max-width:520px;}
.flow-step .tag-mini{display:inline-block; font-size:.72rem; font-weight:700; letter-spacing:.1em; text-transform:uppercase; color:var(--gold); margin-bottom:8px;}

.flow-loop{position:relative; margin:-30px 0 76px 0; padding-left:76px;}
.flow-loop svg{overflow:visible;}
.flow-loop .loop-label{font-size:.85rem; font-weight:600; color:var(--sky); font-style:italic; font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif; margin-left:26px;}

.flow-step.confused h3{color:var(--slate);}
.asset-pills{display:flex; gap:10px; flex-wrap:wrap; margin-top:16px;}
.asset-pills span{background:var(--paper); border:1px solid var(--line); color:var(--navy-ink); font-size:.85rem; font-weight:600; padding:8px 16px; border-radius:100px;}

.flow-reveal-final{text-align:center; padding:60px 0 20px;}
.brand-mark-big{display:inline-flex; align-items:center; gap:16px; margin-bottom:22px;}
.brand-mark-big .bm-icon{width:64px; height:64px; border-radius:18px; background:linear-gradient(145deg,var(--navy),var(--sky)); display:flex; align-items:center; justify-content:center; color:#fff; font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif; font-weight:700; font-size:1.3rem; box-shadow:0 14px 30px rgba(11,74,124,.35);}
.brand-mark-big h2{font-size:clamp(2.1rem,5vw,3.2rem); margin:0;}
.flow-reveal-final .tagline{color:var(--slate); font-size:1.1rem; margin-bottom:34px;}

/* ---- PROMAFT-style conversational flow section ---- */
.flow-sec{background:var(--cream); position:relative; padding:90px 0 40px;}
.flow-line{position:absolute; left:50%; top:70px; bottom:60px; width:2px; background:var(--line); transform:translateX(-50%); z-index:0;}
@media (max-width:720px){ .flow-line{left:29px; transform:none;} }
.flow-wrap{max-width:720px; margin:0 auto; position:relative; z-index:1;}
.flow-turn{
  display:flex; align-items:flex-start; gap:20px; margin-bottom:64px;
  opacity:0; transform:translateY(26px); transition:opacity .7s cubic-bezier(.22,.61,.36,1), transform .7s cubic-bezier(.22,.61,.36,1);
}
.flow-turn.is-visible{opacity:1; transform:translateY(0);}
.flow-turn:last-child{margin-bottom:0;}
.flow-num{
  flex-shrink:0; width:40px; height:40px; border-radius:50%; background:var(--paper); border:2px solid var(--navy);
  color:var(--navy); font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif; font-weight:700; font-size:1rem;
  display:flex; align-items:center; justify-content:center; position:relative; z-index:2;
  transition:background .4s ease, color .4s ease, transform .4s ease, box-shadow .4s ease;
}
.flow-turn.is-visible .flow-num{background:var(--navy); color:#fff; box-shadow:0 8px 20px rgba(11,74,124,.35);}
.flow-body{padding-top:5px;}
.flow-eyebrow{font-size:.72rem; font-weight:700; letter-spacing:.1em; text-transform:uppercase; color:var(--slate); margin-bottom:8px;}
.flow-text{font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif; font-size:1.35rem; line-height:1.35; color:var(--navy-ink);}
.flow-text.question{font-style:italic; color:var(--slate); font-weight:400; font-size:1.2rem;}
.flow-text .hl{color:var(--gold); font-style:normal; font-weight:600;}
.flow-sub{margin-top:10px; color:var(--slate); font-size:.98rem; font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif;}
.flow-chip-row{display:flex; gap:10px; flex-wrap:wrap; margin-top:14px;}
.flow-chip{font-size:.82rem; font-weight:600; color:var(--navy); background:rgba(11,74,124,.08); border:1px solid rgba(11,74,124,.18); padding:7px 14px; border-radius:100px;}
.flow-final{text-align:center;}
.flow-final .flow-num{margin:0 auto 22px; width:64px; height:64px; font-size:1.4rem; background:linear-gradient(145deg,var(--navy),var(--sky)); color:#fff; border:none; box-shadow:0 14px 30px rgba(11,74,124,.35);}
.flow-final .flow-body{padding-top:0;}
.flow-brand{font-family:'Cambria','Cambria Math',Georgia,'Times New Roman',serif; font-size:2.4rem; font-weight:700; color:var(--navy); margin-bottom:6px;}
.flow-tagline{color:var(--slate); font-size:.95rem; margin-bottom:26px;}
.flow-final .btn{margin:0 auto;}
@media (max-width:640px){
  .flow-text{font-size:1.1rem;}
  .flow-brand{font-size:1.9rem;}
}