:root{
    /* 1.618 design system tokens */
    --orange:#B55617;        /* coral, the accent */
    --orange-lift:#C86420;   /* hover, top of gradients */
    --orange-dark:#93420F;   /* pressed states */
    --coral-on-dark:#E2691F; /* coral fills on dark surfaces */
    --coral-figure:#FF8845;  /* coral figures on dark surfaces */
    --navy:#3D3D3D;          /* brand charcoal */
    --navy-2:#33322F;        /* cards on the rail */
    --rail1:#2C2B29;
    --rail2:#232220;
    --ink:#2A2A2A;
    --muted:#5C5751;
    --faint:#8B857E;
    --bg:#FAF6F0;            /* cream ground, never pure white */
    --card:#FFFFFF;
    --line:#E8E1D6;
    --good:#3F7A2E;
    --bad:#B3261E;
    --radius:14px;
    --ease:cubic-bezier(.4,0,.2,1);
    --shadow:0 1px 2px rgba(61,45,30,.05),0 6px 18px rgba(61,45,30,.08),0 14px 34px rgba(61,45,30,.06);
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI Variable Text","Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.5}
  img{max-width:100%;display:block}
  a{color:var(--orange-dark)}
  .wrap{max-width:1080px;margin:0 auto;padding:0 20px}

  /* Header */
  header{position:sticky;top:0;z-index:50;background:rgba(250,246,240,.96);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
  .nav{display:flex;align-items:center;gap:18px;height:64px}
  .brand{font-weight:800;font-size:1.15rem;color:var(--navy);text-decoration:none;letter-spacing:.2px;display:flex;align-items:center}
  .brand span{color:var(--orange)}
  .brand img{height:36px;width:auto;display:block}
  .navlinks{display:flex;gap:16px;margin-left:auto;margin-right:8px}
  .navlinks a{color:var(--muted);text-decoration:none;font-size:.92rem;font-weight:600}
  .navlinks a:hover{color:var(--orange-dark)}
  .btn{display:inline-block;background:linear-gradient(180deg,var(--orange-lift),var(--orange));color:#fff;font-weight:700;text-decoration:none;border:none;cursor:pointer;border-radius:10px;padding:12px 22px;font-size:1rem;box-shadow:inset 0 1px 0 rgba(255,255,255,.28),0 2px 6px rgba(61,45,30,.18);transition:transform 160ms var(--ease),box-shadow 160ms var(--ease)}
  .btn:hover{transform:translateY(-1px);box-shadow:inset 0 1px 0 rgba(255,255,255,.28),0 6px 16px rgba(61,45,30,.26)}
  .btn:active{transform:translateY(1px);background:var(--orange-dark);box-shadow:inset 0 1px 0 rgba(255,255,255,.15),0 1px 3px rgba(61,45,30,.2)}
  .btn.big{padding:14px 28px;font-size:1.05rem}
  .btn.ghost{background:transparent;color:var(--orange);border:2px solid var(--orange);box-shadow:none}
  .btn.ghost:hover{background:var(--orange);color:#fff}
  @media(max-width:820px){.navlinks{display:none}}

  /* ---------- mobile navigation ---------- */
  .navtoggle{
    display:none; align-items:center; justify-content:center; gap:6px;
    background:#fff; border:1px solid var(--line); border-radius:10px;
    padding:10px 12px; cursor:pointer; color:var(--navy);
    font:inherit; font-size:.85rem; font-weight:700; letter-spacing:.04em;
  }
  .navtoggle:hover{border-color:var(--orange)}
  .navtoggle .bars{display:inline-flex;flex-direction:column;gap:3px}
  .navtoggle .bars i{display:block;width:16px;height:2px;background:var(--navy);border-radius:2px;transition:transform 180ms var(--ease),opacity 180ms var(--ease)}
  .navtoggle[aria-expanded="true"] .bars i:nth-child(1){transform:translateY(5px) rotate(45deg)}
  .navtoggle[aria-expanded="true"] .bars i:nth-child(2){opacity:0}
  .navtoggle[aria-expanded="true"] .bars i:nth-child(3){transform:translateY(-5px) rotate(-45deg)}

  .navdrawer{
    display:none; position:absolute; left:0; right:0; top:100%;
    background:rgba(250,246,240,.985); backdrop-filter:blur(8px);
    border-bottom:1px solid var(--line); box-shadow:0 14px 30px rgba(61,45,30,.14);
    padding:10px 0 16px; max-height:76vh; overflow-y:auto;
  }
  .navdrawer.open{display:block}
  .navdrawer .wrap{display:flex;flex-direction:column}
  .navdrawer a{
    display:flex; align-items:center; justify-content:space-between;
    color:var(--navy); text-decoration:none; font-weight:700; font-size:1.02rem;
    padding:14px 2px; border-bottom:1px solid var(--line);
  }
  .navdrawer a:last-child{border-bottom:none}
  .navdrawer a:hover{color:var(--orange-dark)}
  .navdrawer a.active{color:var(--orange)}
  .navdrawer a.active::after{content:"You are here";font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
  .navdrawer .drawer-head{
    font-size:.7rem; font-weight:800; letter-spacing:.16em; text-transform:uppercase;
    color:var(--muted); padding:16px 2px 6px; border-bottom:1px solid var(--line);
  }
  .navdrawer a.sub{font-size:.95rem;font-weight:600;color:var(--muted);padding:12px 2px}
  .navdrawer a.sub:hover{color:var(--orange-dark)}
  @media(max-width:820px){
    .navtoggle{display:inline-flex}
    .nav .btn{margin-left:auto;padding:11px 16px;font-size:.92rem}
  }
  @media(max-width:400px){
    .nav{gap:10px}
    .nav .btn{padding:10px 12px;font-size:.86rem}
    .navtoggle{padding:10px}
  }
  @media(prefers-reduced-motion:reduce){
    .navtoggle .bars i{transition:none}
  }

  /* Headings with orange underline bar */
  h1,h2,h3{color:var(--navy);line-height:1.25;font-weight:650;letter-spacing:-.02em}
  h2.rule{font-size:1.7rem;margin-bottom:8px;position:relative;padding-bottom:12px}
  h2.rule::after{content:"";position:absolute;left:0;bottom:0;width:64px;height:5px;border-radius:3px;background:var(--orange)}
  .lead{color:var(--muted);max-width:720px;margin-bottom:26px}

  section{padding:64px 0}
  section.tight{padding:44px 0}

  /* Cards with orange top edge */
  .card{background:var(--card);border-radius:var(--radius);box-shadow:var(--shadow);border-top:4px solid var(--orange);padding:24px}

  /* Hero */
  .hero{padding:64px 0 56px;background:linear-gradient(180deg,#FFFDFB 0%,var(--bg) 100%)}
  .eyebrow{display:inline-block;color:var(--orange-dark);font-weight:800;letter-spacing:.14em;text-transform:uppercase;font-size:.8rem;margin-bottom:12px}
  .hero h1{font-size:clamp(2rem,5vw,3.1rem);margin-bottom:14px}
  .hero p.sub{color:var(--muted);font-size:1.08rem;max-width:640px;margin-bottom:24px}
  .hero-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:36px;align-items:center}
  @media(max-width:820px){.hero-grid{grid-template-columns:1fr}}
  /* profile card, golden ratio split */
  .pcard{padding:0;overflow:hidden}
  .pc-grid{display:grid;grid-template-columns:38.2fr 61.8fr}
  .pc-photo{position:relative;min-height:340px;background:linear-gradient(180deg,#3A2317,#241610)}
  .pc-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 12%}
  .photo-fallback{position:absolute;inset:0;display:flex;align-items:center;justify-content:center;color:#fff;font-size:2.6rem;font-weight:800;letter-spacing:.04em}
  .pc-body{padding:22px 24px 18px}
  .pc-logo{height:32px;width:auto;display:block;margin-bottom:14px}
  .pc-body h3{font-size:1.6rem;line-height:1.08;letter-spacing:-.012em;margin-bottom:3px;color:var(--navy)}
  .pc-body .broker-code{color:var(--muted,#6b6b6b);font-size:.6rem;letter-spacing:.09em;text-transform:uppercase;margin:2px 0 12px}
  .pc-body .role{color:var(--orange);font-weight:800;font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;margin:0 0 16px;padding-bottom:16px;border-bottom:1px solid var(--line)}
  .pc-body ul{list-style:none;margin-top:2px}
  .pc-body li{padding-left:28px;position:relative;margin-bottom:11px;font-size:.95rem;line-height:1.45;color:var(--ink)}
  .pc-body li::before{content:"";position:absolute;left:0;top:1px;width:18px;height:18px;border-radius:50%;background:rgba(181,86,23,.11)}
  .pc-body li::after{content:"";position:absolute;left:5.5px;top:6px;width:6px;height:3px;border-left:2px solid var(--orange);border-bottom:2px solid var(--orange);transform:rotate(-45deg)}
  .pc-creds{display:block;padding:16px 30px 20px;background:linear-gradient(180deg,#FDFBF8,#FAF4EC);border-top:1px solid var(--line)}
  .creds-label{display:block;font-size:.58rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase;color:var(--muted);margin-bottom:11px}
  .creds-row{display:flex;flex-wrap:wrap;gap:9px}
  @media(max-width:560px){.pc-grid{grid-template-columns:1fr}.pc-photo{min-height:250px}.pc-photo img{object-position:50% 18%}}
  .chip{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 15px 7px 11px;font-size:.8rem;font-weight:700;color:var(--navy);box-shadow:0 1px 2px rgba(61,45,30,.06)}
  .chip::before{content:"";width:13px;height:13px;flex:none;border-radius:50%;background:radial-gradient(circle at 50% 35%,#F6D174,#DFA63A);box-shadow:inset 0 0 0 1px rgba(147,66,15,.28),0 1px 1px rgba(0,0,0,.12)}
  .chip b{color:var(--orange-dark)}

  /* Calculator layout */
  .calc-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:26px}
  @media(max-width:860px){.calc-grid{grid-template-columns:1fr}}
  .field{margin-bottom:18px}
  .field label{display:flex;justify-content:space-between;align-items:center;font-weight:700;font-size:.9rem;color:var(--navy);margin-bottom:6px}
  .field input[type=range]{width:100%;accent-color:var(--orange)}
  .numbox{width:130px;padding:7px 10px;border:1px solid var(--line);border-radius:8px;font-size:.95rem;font-weight:600;color:var(--ink);text-align:right}
  .numbox{font-variant-numeric:tabular-nums}
  .numbox:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px rgba(181,86,23,.22)}
  details.assump{border:1px dashed var(--line);border-radius:10px;padding:12px 16px;margin-top:6px;background:#FDFBF8}
  details.assump summary{cursor:pointer;font-weight:700;color:var(--orange-dark);font-size:.92rem}
  details.assump .field{margin-top:14px;margin-bottom:6px}
  .results{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}
  .stat{background:#FDFBF8;border:1px solid var(--line);border-radius:10px;padding:12px 14px}
  .stat .k{font-size:.72rem;font-weight:700;color:var(--faint);text-transform:uppercase;letter-spacing:.1em}
  .stat .v{font-size:1.3rem;font-weight:650;color:var(--ink);letter-spacing:-.02em;font-variant-numeric:tabular-nums}
  .stat .v.good{color:var(--good)}
  .stat .v.bad{color:var(--bad)}
  .stat.wide{grid-column:1/-1}
  canvas{width:100%;height:auto;background:#fff;border:1px solid var(--line);border-radius:10px}
  .note{font-size:.8rem;color:var(--muted);margin-top:10px}
  .presets{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:16px}
  .preset{border:2px solid var(--line);background:#fff;border-radius:10px;padding:8px 14px;font-weight:700;font-size:.88rem;cursor:pointer;color:var(--ink)}
  .preset.active{border-color:var(--orange);background:#FDF1E5;color:var(--orange)}

  /* Kickstart (dark flagship) */
  .kick .field label{color:#EDE8E1}
  .kick details.assump{background:#2A2927;border-color:#4a4844}
  .kick details.assump summary{color:var(--coral-figure)}
  .kick details.assump .note{color:#B8B1A6}
  .kick .stat{background:#2A2927;border-color:#4a4844}
  .kick .stat .k{color:#B8B1A6}
  .kick .stat .v{color:#fff}
  .kick .stat .v.fig{color:var(--coral-figure)}
  .kick .note{color:#B8B1A6}
  .kick .numbox{background:#FDFBF8}

  /* Broker in your pocket */
  .biyp{background:linear-gradient(180deg,var(--rail1),var(--rail2));color:#EDE8E1}
  .biyp h2.rule{color:#fff}
  .biyp h2.rule::after{background:var(--coral-on-dark)}
  .biyp .lead{color:#B8B1A6}
  .biyp-row{display:flex;gap:18px;flex-wrap:wrap}
  .biyp-card{width:250px;background:#2A2927;border:1px solid #4a4844;border-top:4px solid var(--coral-on-dark);border-radius:14px;overflow:hidden}
  .biyp-card iframe{width:250px;height:444px;border:0;display:block;background:#000}
  .biyp-card .t{padding:10px 12px;font-size:.85rem;font-weight:700;color:#EDE8E1}

  /* Tax section */
  .tax-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin-top:10px}
  .tax-grid .card h3{font-size:1.02rem;margin-bottom:8px}
  .tax-grid .card p{font-size:.92rem;color:var(--muted)}
  .vitality-banner{margin-top:28px;background:linear-gradient(90deg,var(--rail1),var(--rail2));border-radius:var(--radius);padding:18px 22px;display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
  .vitality-banner p{color:#D8D2C8;font-size:.95rem}
  .vitality-banner a{background:#fff;color:var(--navy);font-weight:800;text-decoration:none;border-radius:8px;padding:10px 18px;font-size:.9rem;white-space:nowrap}

  /* Risk dark */
  .risk{background:linear-gradient(180deg,var(--rail1),var(--rail2));color:#EDE8E1}
  .risk h2.rule{color:#fff}
  .risk h2.rule::after{background:var(--coral-on-dark)}
  .risk .lead{color:#B8B1A6}
  .risk-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
  .risk .card{background:var(--navy-2);border-top:4px solid var(--coral-on-dark);box-shadow:none;color:#EDE8E1}
  .risk .card h3{color:#fff;font-size:1.05rem;margin-bottom:8px}
  .risk .card p{font-size:.92rem;color:#B8B1A6}
  .risk .btn{background:linear-gradient(180deg,#F07A30,var(--coral-on-dark))}
  .risk .cta-row{margin-top:26px}

  /* FAQ */
  .faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:10px;overflow:hidden}
  .faq summary{cursor:pointer;font-weight:700;padding:16px 18px;color:var(--navy);list-style:none;position:relative;padding-right:44px}
  .faq summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:1.4rem;color:var(--orange)}
  .faq details[open] summary::after{content:"\2212"}
  .faq .a{padding:0 18px 16px;color:var(--muted);font-size:.95rem}
  .faq .a p{margin-bottom:8px}
  .faq .a table{border-collapse:collapse;margin:8px 0;font-size:.88rem}
  .faq .a td,.faq .a th{border:1px solid var(--line);padding:6px 10px;text-align:right}
  .faq .a th{background:#FDFBF8;color:var(--navy)}

  /* Testimonials */
  .t-empty{border:2px dashed var(--line);border-radius:var(--radius);padding:34px;text-align:center;color:var(--muted);margin-bottom:24px}
  .t-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px;margin-bottom:24px}
  .t-card .stars{color:var(--orange);font-size:1.05rem;letter-spacing:2px;margin-bottom:8px}
  .t-card p{font-size:.94rem;color:var(--ink);margin-bottom:10px}
  .t-card .who{font-size:.85rem;font-weight:700;color:var(--muted)}
  form .frow{margin-bottom:14px}
  form label{display:block;font-weight:700;font-size:.88rem;color:var(--navy);margin-bottom:5px}
  form input[type=text],form input[type=tel],form textarea,form select{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:8px;font-size:.95rem;font-family:inherit}
  form textarea{min-height:96px;resize:vertical}
  form input:focus,form textarea:focus,form select:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px rgba(181,86,23,.22)}
  .starpick{display:flex;gap:6px;font-size:1.7rem;cursor:pointer;color:#D8D2C8}
  .starpick span.on{color:var(--orange)}
  .perm{display:flex;gap:10px;align-items:flex-start;font-size:.85rem;color:var(--muted)}
  .perm input{margin-top:4px}

  /* Contact */
  .contact-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin-bottom:34px}
  .ccard{text-decoration:none;color:var(--ink)}
  .ccard .card{height:100%;text-align:center;transition:transform .12s}
  .ccard:hover .card{transform:translateY(-3px)}
  .ccard .ic{font-size:1.9rem;margin-bottom:8px}
  .ccard h3{font-size:1.02rem;margin-bottom:4px}
  .ccard p{font-size:.86rem;color:var(--muted)}
  .lead-form{max-width:560px}

  /* Footer */
  footer{background:var(--navy);color:#9fb0bd;padding:36px 0 90px;font-size:.82rem}
  footer .legal{margin-top:14px;color:#c7d2dc;font-weight:600}
  footer p{margin-bottom:8px;max-width:900px}

  /* Sticky mobile bar */
  .sticky-bar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px 14px;gap:10px}
  .sticky-bar a{flex:1;text-align:center;font-weight:800;text-decoration:none;border-radius:10px;padding:12px 0;font-size:.95rem}
  .sticky-bar .wa{background:#25D366;color:#fff}
  .sticky-bar .em{background:var(--navy);color:#fff}
  @media(max-width:820px){.sticky-bar{display:flex}}

/* ---------- multi-page nav ---------- */
.navlinks a.active{color:var(--orange);}

/* ---------- home tiles ---------- */
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px}
.tile{text-decoration:none;color:var(--ink)}
.tile .card{height:100%;transition:transform .16s var(--ease)}
.tile:hover .card{transform:translateY(-3px)}
.tile .ic{font-size:1.8rem;margin-bottom:8px}
.tile h3{font-size:1.05rem;margin-bottom:6px}
.tile p{font-size:.9rem;color:var(--muted)}
.tile .go{display:inline-block;margin-top:10px;color:var(--orange);font-weight:700;font-size:.85rem}

/* Kickstart-branded CTA button */
.btn-kick{display:inline-flex;align-items:center;gap:12px;background:linear-gradient(135deg,#F7D274,#F4C95D 55%,#EFB93F);color:#081A2B;border-radius:999px;font-weight:800;font-size:1.02rem;letter-spacing:.01em;padding:11px 26px 11px 18px;box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 6px 18px rgba(244,201,93,.45);transition:transform .25s cubic-bezier(.4,0,.2,1),box-shadow .25s;vertical-align:middle}
.btn-kick:hover{transform:translateY(-2px);box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 10px 26px rgba(244,201,93,.55);background:linear-gradient(135deg,#F7D274,#F4C95D 55%,#EFB93F)}
.btn-kick .kick-balloon{width:26px;height:34px;flex:none;transition:transform .3s cubic-bezier(.4,0,.2,1)}
.btn-kick .kick-balloon path{fill:#081A2B}
.btn-kick .kick-balloon path.string{fill:none;stroke:#081A2B}
.btn-kick .kick-balloon ellipse{fill:rgba(255,255,255,.55)}
.btn-kick:hover .kick-balloon{transform:translateY(-3px) rotate(-4deg)}
.btn-kick .kick-label{display:flex;flex-direction:column;align-items:flex-start;line-height:1.05;text-align:left}
.btn-kick .kick-label small{font-size:.68rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:#123B5D;margin-top:3px}

/* DRAFT: stacked profile card */
.pcard2{padding:0;overflow:hidden;display:flex;flex-direction:column}
.pc-photo2 img{width:100%;height:auto;display:block;background:#241610}
.pcard2 .pc-body{padding:18px 24px 14px}
/* DRAFT: kickstart logo as button */
.kick-logo-btn{display:inline-flex;flex-direction:column;align-items:center;text-decoration:none;vertical-align:middle;margin-right:18px;transition:transform .28s cubic-bezier(.4,0,.2,1),filter .28s}
.kick-logo-btn img{height:118px;width:auto;display:block}
.kick-logo-btn span{margin-top:6px;font-size:.62rem;font-weight:800;letter-spacing:.22em;color:#93420F}
.kick-logo-btn:hover{transform:translateY(-4px) rotate(-2deg);filter:drop-shadow(0 10px 18px rgba(181,86,23,.35))}

/* DRAFT v2: kickstart logo inside a clear button chassis */
.kick-btn2{display:inline-flex;align-items:center;gap:16px;background:#fff;border:2px solid var(--orange);border-radius:16px;padding:10px 20px 10px 14px;text-decoration:none;vertical-align:middle;margin-right:14px;box-shadow:0 4px 14px rgba(181,86,23,.18),inset 0 1px 0 rgba(255,255,255,.6);transition:transform .25s cubic-bezier(.4,0,.2,1),box-shadow .25s,background .25s}
.kick-btn2 img{height:58px;width:auto;display:block}
.kick-btn2 .t{font-weight:800;font-size:.95rem;line-height:1.25;color:var(--navy);text-align:left}
.kick-btn2 .t b{color:var(--orange);font-size:1.15em}
.kick-btn2:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(181,86,23,.32),inset 0 1px 0 rgba(255,255,255,.6);background:#FDF6EE}

.hero-ctas{display:flex;flex-wrap:wrap;gap:16px;align-items:center;margin-top:4px}
.hero-ctas .btn.ghost{margin:0}

.pc-photo2{position:relative}
.pc-pill-link{position:absolute;left:6%;top:47%;width:42%;height:15%;border-radius:999px;z-index:2;cursor:pointer;transition:box-shadow .25s,background .25s}
.pc-pill-link:hover{box-shadow:0 0 0 3px rgba(255,255,255,.65),0 6px 18px rgba(0,0,0,.35);background:rgba(255,255,255,.08)}

/* ---------- home: four pillars ---------- */
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.pillar{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 22px;box-shadow:var(--shadow);border-top:4px solid var(--orange)}
.pillar .pnum{font-weight:800;color:var(--orange);font-size:.8rem;letter-spacing:.14em;margin-bottom:10px}
.pillar h3{font-size:1.05rem;margin-bottom:8px}
.pillar p{font-size:.9rem;color:var(--muted);line-height:1.55}
@media(max-width:900px){.pillars{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.pillars{grid-template-columns:1fr}}

/* ---------- home: kickstart banner ---------- */
.kbanner{display:flex;align-items:center;gap:28px;background:linear-gradient(120deg,#123B5D,#081A2B);border-radius:var(--radius);padding:30px 34px;box-shadow:0 14px 38px rgba(8,26,43,.25)}
.kbanner .kb-logo{width:120px;height:auto;flex:none}
.kbanner .kb-copy{flex:1;min-width:0}
.kbanner .kb-eyebrow{color:#F4C95D;font-weight:800;font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;margin-bottom:6px}
.kbanner h3{color:#fff;font-size:1.3rem;margin-bottom:6px}
.kbanner p{color:#B9DDF2;font-size:.92rem;line-height:1.55;max-width:56ch}
.kbanner .kick-btn2{flex:none;margin:0}
@media(max-width:860px){.kbanner{flex-direction:column;align-items:flex-start}.kbanner .kb-logo{width:100px}}

/* ---------- home: steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px;box-shadow:var(--shadow)}
.step .snum{width:38px;height:38px;border-radius:50%;background:var(--orange);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.step h3{font-size:1.05rem;margin-bottom:8px}
.step p{font-size:.9rem;color:var(--muted);line-height:1.55}
@media(max-width:860px){.steps{grid-template-columns:1fr}}

/* ---------- hero v2: wide card on top, centered headline beneath ---------- */
.pcard-wide{margin-bottom:44px}
.pc-grid-wide{display:grid;grid-template-columns:42fr 58fr;align-items:stretch}
.pc-grid-wide .pc-photo2{position:relative;min-height:340px}
.pc-grid-wide .pc-photo2 img{width:100%;height:100%;object-fit:cover;object-position:50% 18%;display:block}
.pc-side{display:flex;flex-direction:column}
.pc-side .pc-body{flex:1;padding:26px 30px 16px}
.pc-side .pc-creds{border-top:1px solid var(--line)}
.hero-center{text-align:center;max-width:760px;margin:0 auto}
.hero-center .sub{margin-left:auto;margin-right:auto}
.hero-ctas.center{justify-content:center}
@media(max-width:820px){
  .pc-grid-wide{grid-template-columns:1fr}
  .pc-grid-wide .pc-photo2{min-height:0}
  .pc-grid-wide .pc-photo2 img{height:auto;object-fit:contain}
}