:root {
  --navy: #0a2240;
  --navy-deep: #06152b;
  --navy-hover: #123561;
  --navy-line: #24406a;
  --blue: #0d6fb8;
  --sky: #7fb8ea;
  --red: #c41e2e;
  --red-hover: #a31724;
  --slate: #435463;
  --mist: #cfdcec;
  --footer-text: #9fb3cc;
  --tint: #f4f7fa;
  --line: #e3e8ee;
  --border: #d5dde6;
  --chip: #b9c7d6;
  --serif: 'Source Serif 4', serif;
  --sans: 'Public Sans', sans-serif;
  --gutter: 48px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 90px; }
body {
  margin: 0;
  background: #fff;
  color: var(--navy);
  font-family: var(--sans);
}
a { color: var(--blue); }
a:hover { color: var(--navy); }

.wrap { max-width: 1200px; margin: 0 auto; }
.section { padding: 96px var(--gutter); }
.section--tint { background: var(--tint); }
.section--dark { background: var(--navy); color: #fff; }

/* Buttons */
.btn {
  display: inline-block;
  text-decoration: none;
  font-weight: 700;
  border-radius: 2px;
}
.btn--primary { background: var(--red); color: #fff; padding: 16px 28px; }
.btn--primary:hover { background: var(--red-hover); color: #fff; }
.btn--outline { border: 2px solid var(--sky); color: #fff; padding: 14px 26px; }
.btn--outline:hover { background: var(--navy-hover); color: #fff; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: #fff;
  border-bottom: 1px solid var(--line);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 14px var(--gutter);
  flex-wrap: wrap;
}
.site-header__logo { height: 48px; width: auto; display: block; }
.site-nav {
  display: flex;
  gap: 28px;
  align-items: center;
  flex-wrap: wrap;
  font-size: 15px;
  font-weight: 600;
}
.site-nav a { color: var(--navy); text-decoration: none; }
.site-nav a:hover { color: var(--blue); }
.site-nav .btn--primary { color: #fff; padding: 12px 22px; font-weight: 600; }
.site-nav .btn--primary:hover { color: #fff; }

/* Shared type */
.eyebrow {
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--blue);
}
.section--dark .eyebrow { color: var(--sky); }
.h2 {
  font-family: var(--serif);
  font-weight: 600;
  font-size: 42px;
  line-height: 1.15;
  margin: 12px 0 20px;
}
.lede {
  font-size: 18px;
  line-height: 1.6;
  color: var(--slate);
  margin: 0;
}
.section--dark .lede { color: var(--mist); }
.measure { max-width: 760px; }

/* Hero */
.hero { padding: 96px var(--gutter) 104px; position: relative; overflow: hidden; }
.hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr);
  gap: 64px;
  align-items: center;
}
.hero__kicker {
  display: flex;
  gap: 10px;
  align-items: center;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--sky);
}
.hero__kicker::before {
  content: '';
  width: 28px;
  height: 3px;
  background: var(--red);
  display: block;
  flex: none;
}
.hero h1 {
  font-family: var(--serif);
  font-weight: 600;
  font-size: 60px;
  line-height: 1.08;
  margin: 22px 0 24px;
  letter-spacing: -.01em;
}
.hero__lede {
  font-size: 20px;
  line-height: 1.55;
  color: var(--mist);
  margin: 0 0 36px;
  max-width: 620px;
}
.hero__actions { display: flex; gap: 14px; flex-wrap: wrap; }

.finds {
  background: #fff;
  color: var(--navy);
  padding: 32px;
  border-radius: 2px;
  border-top: 5px solid var(--red);
}
.finds__title {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--slate);
  margin-bottom: 18px;
}
.finds ol { list-style: none; margin: 0; padding: 0; counter-reset: find; }
.finds li {
  counter-increment: find;
  display: flex;
  gap: 14px;
  padding: 14px 0;
  border-top: 1px solid var(--line);
  font-size: 17px;
  font-weight: 600;
  line-height: 1.35;
}
.finds li::before {
  content: counter(find, decimal-leading-zero);
  color: var(--blue);
  font-weight: 800;
}

/* Utility strip */
.strip {
  background: var(--tint);
  padding: 40px var(--gutter);
  border-bottom: 1px solid var(--line);
}
.strip .wrap {
  display: flex;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  font-size: 15px;
  font-weight: 600;
  color: var(--slate);
}

/* Services */
#services .lede { margin-bottom: 48px; }
.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}
.card {
  border: 1px solid var(--border);
  border-top: 4px solid var(--blue);
  padding: 32px;
}
.card h3 { margin: 0 0 12px; font-size: 22px; }
.card p { margin: 0; font-size: 16px; line-height: 1.6; color: var(--slate); }

/* Process */
#process .h2 { margin-bottom: 48px; }
.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 32px;
  list-style: none;
  margin: 0;
  padding: 0;
  counter-reset: step;
}
.steps li { counter-increment: step; }
.steps li::before {
  content: counter(step, decimal-leading-zero);
  display: block;
  font-family: var(--serif);
  font-size: 48px;
  color: var(--red);
  line-height: 1;
}
.steps h3 { margin: 14px 0 8px; font-size: 20px; }
.steps p { margin: 0; font-size: 16px; line-height: 1.6; color: var(--slate); }

/* Industries */
.industries {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.3fr);
  gap: 64px;
  align-items: start;
}
.chips { display: flex; flex-wrap: wrap; gap: 12px; list-style: none; margin: 0; padding: 0; }
.chips li {
  border: 1px solid var(--chip);
  padding: 12px 18px;
  font-weight: 600;
  font-size: 16px;
  border-radius: 2px;
}

/* Savings */
#savings .h2 { margin-bottom: 16px; }
#savings .lede { margin-bottom: 48px; }
.savings {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1px;
  background: var(--navy-line);
  border: 1px solid var(--navy-line);
  list-style: none;
  margin: 0;
  padding: 0;
}
.savings li { background: var(--navy); padding: 28px 24px; }
.savings__amt {
  font-family: var(--serif);
  font-size: 38px;
  font-weight: 600;
  line-height: 1;
  color: #fff;
}
.savings__desc { margin-top: 12px; font-size: 16px; line-height: 1.5; color: var(--mist); }

/* Clients */
#clients .h2 { margin-bottom: 48px; }
/* Newspaper-style columns so shorter groups stack instead of leaving gaps */
.client-groups { columns: 3 320px; column-gap: 32px; margin-bottom: -32px; }
.client-group {
  background: #fff;
  border: 1px solid var(--border);
  break-inside: avoid;
  margin-bottom: 32px;
}
.client-group__head {
  background: var(--navy);
  color: #fff;
  padding: 14px 20px;
  display: flex;
  justify-content: space-between;
  font-weight: 700;
  font-size: 14px;
  letter-spacing: .12em;
  text-transform: uppercase;
  margin: 0;
}
.client-group__count { color: var(--sky); }
.client-group ul { list-style: none; margin: 0; padding: 0; }
.client-group li {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 20px;
  border-top: 1px solid var(--line);
  font-size: 15px;
}
.client-group li span { color: var(--slate); text-align: right; }

/* Contact */
.contact {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  gap: 64px;
  align-items: start;
}
.contact h2 {
  font-family: var(--serif);
  font-weight: 600;
  font-size: 44px;
  line-height: 1.12;
  margin: 0 0 20px;
}
.contact-form { display: grid; gap: 14px; }
.contact-form input {
  padding: 14px;
  font: inherit;
  border: 0;
  border-radius: 2px;
  color: var(--navy);
}
.contact-form button {
  background: var(--red);
  color: #fff;
  border: 0;
  padding: 16px;
  font: inherit;
  font-weight: 700;
  cursor: pointer;
  border-radius: 2px;
}
.contact-form button:hover { background: var(--red-hover); }
.contact-form button:disabled { cursor: default; }
.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}

/* Footer */
.site-footer {
  background: var(--navy-deep);
  color: var(--footer-text);
  padding: 28px var(--gutter);
  font-size: 14px;
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

/* Header CTA + menu toggle shown together on mobile (hidden on desktop, where the nav has the CTA) */
.header-actions { display: none; }
.header-cta { padding: 12px 16px; font-weight: 600; font-size: 15px; white-space: nowrap; }
.header-cta__short { display: none; }

/* Mobile menu toggle (hidden on desktop) */
.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--border);
  border-radius: 2px;
  width: 44px;
  height: 44px;
  padding: 0;
  cursor: pointer;
  color: var(--navy);
}
.nav-toggle__bars,
.nav-toggle__bars::before,
.nav-toggle__bars::after {
  display: block;
  width: 20px;
  height: 2px;
  background: currentColor;
  margin: 0 auto;
  position: relative;
  transition: transform .2s, background-color .2s;
}
.nav-toggle__bars::before,
.nav-toggle__bars::after { content: ''; position: absolute; left: 0; }
.nav-toggle__bars::before { top: -6px; }
.nav-toggle__bars::after { top: 6px; }
.nav-open .nav-toggle__bars { background: transparent; }
.nav-open .nav-toggle__bars::before { transform: translateY(6px) rotate(45deg); }
.nav-open .nav-toggle__bars::after { transform: translateY(-6px) rotate(-45deg); }

/* Responsive */
@media (max-width: 900px) {
  html { scroll-padding-top: 80px; }
  .site-header { flex-wrap: nowrap; padding-top: 8px; padding-bottom: 8px; }
  .site-header__logo { height: 40px; }
  .header-actions { display: flex; align-items: center; gap: 10px; margin-left: auto; flex: none; }
  .nav-toggle { display: block; flex: none; }
  .site-nav .nav-cta { display: none; }
  .site-nav {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    box-shadow: 0 12px 24px rgba(10, 34, 64, .12);
    padding: 8px var(--gutter) 20px;
    font-size: 17px;
  }
  .nav-open .site-nav { display: flex; }
  .site-nav a { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .site-nav .btn--primary { margin-top: 16px; text-align: center; border-bottom: 0; padding: 14px 22px; }
}
@media (max-width: 960px) {
  :root { --gutter: 32px; }
  .hero__grid, .industries, .contact { grid-template-columns: minmax(0, 1fr); gap: 48px; }
  .hero h1 { font-size: 48px; }
}
@media (max-width: 640px) {
  :root { --gutter: 16px; }
  html { scroll-padding-top: 72px; }
  .site-header__logo { height: 34px; }
  .site-header { gap: 12px; }
}
@media (max-width: 480px) {
  .header-cta__long { display: none; }
  .header-cta__short { display: inline; }
  .header-cta { padding: 12px 12px; font-size: 14px; }
}
@media (max-width: 360px) {
  .site-header .site-header__logo { height: 28px; }
  .site-header { gap: 8px; }
  .header-actions { gap: 8px; }
  .header-cta { padding: 10px; font-size: 13px; }
}
@media (max-width: 640px) {
  .section, .hero { padding-top: 64px; padding-bottom: 64px; }
  .hero h1 { font-size: 38px; }
  .hero__lede { font-size: 18px; }
  .h2, .contact h2 { font-size: 32px; }
  .finds { padding: 24px; }
  .client-groups { columns: 1; }
  .savings { grid-template-columns: minmax(0, 1fr); }
}

/* ---------- Referral program pages ---------- */
.page-hero h1 { font-size: 52px; }
.site-footer a { color: var(--footer-text); }
.site-footer a:hover { color: #fff; }
.fine-print { font-size: 14px; line-height: 1.55; color: var(--slate); margin: 14px 0 0; }
.optional { font-weight: 400; color: var(--slate); }

.card-form {
  display: grid;
  gap: 16px;
  background: #fff;
  border: 1px solid var(--border);
  border-top: 4px solid var(--red);
  padding: 32px;
}
.card-form label { display: grid; gap: 6px; font-weight: 600; font-size: 15px; }
.card-form input:not([type=checkbox]) {
  font: inherit;
  font-weight: 400;
  padding: 12px 14px;
  border: 1px solid var(--chip);
  border-radius: 2px;
  color: var(--navy);
}
.card-form input:focus { outline: 2px solid var(--blue); outline-offset: 1px; }
.card-form .check { display: flex; gap: 10px; align-items: flex-start; font-weight: 400; font-size: 14px; line-height: 1.5; }
.card-form .check input { margin-top: 3px; width: 18px; height: 18px; flex: none; }
.card-form button { border: 0; font: inherit; font-weight: 700; cursor: pointer; }
.card-form button:disabled { opacity: .7; cursor: default; }
.form-msg { margin: 0; font-size: 15px; min-height: 1em; }
.form-msg--error { color: var(--red); }

.dash { min-height: 60vh; }
.dash-loading { font-size: 18px; color: var(--slate); }
.resend-form { max-width: 480px; margin-top: 28px; }
.stat-row { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 16px; margin: 32px 0; }
.stat { background: #fff; border: 1px solid var(--border); padding: 20px; display: grid; gap: 6px; }
.stat__num { font-family: var(--serif); font-size: 36px; font-weight: 600; line-height: 1; }
.stat__label { font-size: 14px; color: var(--slate); }
.dash-grid { display: grid; grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr); gap: 24px; }
.panel { background: #fff; border: 1px solid var(--border); padding: 28px; margin-bottom: 24px; }
.panel__title { font-size: 20px; margin: 0 0 16px; }
.link-box { display: flex; gap: 8px; }
.link-box input {
  flex: 1;
  min-width: 0;
  font: inherit;
  padding: 12px 14px;
  border: 1px solid var(--chip);
  border-radius: 2px;
  background: var(--tint);
  color: var(--navy);
}
.link-box button { border: 0; font: inherit; font-weight: 700; cursor: pointer; padding: 12px 20px; }
.share-row { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 20px; }
.share-btn {
  display: inline-block;
  padding: 10px 16px;
  border: 1px solid var(--chip);
  border-radius: 2px;
  background: #fff;
  color: var(--navy);
  font: inherit;
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
}
.share-btn:hover { border-color: var(--blue); color: var(--blue); }
.qr-panel { text-align: center; }
.qr { display: flex; justify-content: center; margin-bottom: 16px; }
.qr img, .qr canvas { width: 200px; height: 200px; }
.btn--outline-dark {
  border: 2px solid var(--navy);
  color: var(--navy);
  background: #fff;
  padding: 10px 18px;
  font: inherit;
  font-weight: 700;
  cursor: pointer;
}
.btn--outline-dark:hover { background: var(--navy); color: #fff; }
.btn--small { padding: 6px 14px; font-size: 14px; }
.templates { display: grid; gap: 16px; margin-top: 16px; }
.template { border: 1px solid var(--line); padding: 16px 18px; background: var(--tint); }
.template__head { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 8px; }
.template__head h3 { margin: 0; font-size: 16px; }
.template__text { margin: 0; white-space: pre-line; font-size: 15px; line-height: 1.55; color: var(--slate); }
.tips { margin: 0; padding-left: 20px; display: grid; gap: 10px; line-height: 1.55; }
.table-wrap { overflow-x: auto; }
.ref-table { width: 100%; border-collapse: collapse; font-size: 15px; }
.ref-table th, .ref-table td { text-align: left; padding: 12px 10px; border-bottom: 1px solid var(--line); }
.ref-table th { font-size: 13px; letter-spacing: .08em; text-transform: uppercase; color: var(--slate); }
.status { display: inline-block; padding: 3px 10px; border-radius: 999px; font-size: 13px; font-weight: 700; background: var(--tint); }
.status--qualified { background: #e3effa; color: var(--blue); }
.status--converted { background: #fdecc8; color: #7a4d00; }
.status--paid { background: #dff3e4; color: #1d6b34; }
.status--notafit { background: #eee; color: #666; }

.prose h2 { font-size: 22px; margin: 32px 0 10px; }
.prose p, .prose li { font-size: 17px; line-height: 1.65; color: var(--slate); }
.prose ul { padding-left: 22px; }

@media (max-width: 900px) {
  .stat-row { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .dash-grid { grid-template-columns: minmax(0, 1fr); gap: 0; }
  .page-hero h1 { font-size: 40px; }
}
@media (max-width: 640px) {
  .page-hero h1 { font-size: 32px; }
  .card-form, .panel { padding: 20px; }
  .link-box { flex-direction: column; }
  .stat__num { font-size: 28px; }
}