/* ============================================================
   Drive Financial — REVAMP 2026 Extensions
   Dual-audience positioning + Lender Solutions visual language.
   Additive only; the original design system is preserved.
   ============================================================ */

:root {
  --teal-700: #0B6E5D;
  --teal-600: #0E8A73;
  --teal-500: #12A98D;
  --teal-100: #DFF3EE;
  --teal-50: #F0FAF7;
  --amber-100: #FDF2E2;
  --rose-600: #A6304A;
  --rose-100: #FBEAEE;
}

/* ------------------------------------------------------------
   Navigation — wider information architecture
------------------------------------------------------------ */
.nav-links { gap: 22px; }
.nav-links a { font-size: 14.5px; }
.nav-cta { margin-left: 2px; }
@media (max-width: 1150px) and (min-width: 901px) {
  .nav-links { gap: 14px; }
  .nav-links a { font-size: 13px; }
  .nav .btn-nav { padding: 9px 14px; font-size: 13px; }
}
.mobile-menu { justify-content: flex-start; padding: 92px 24px 40px; overflow-y: auto; gap: 0; }
.mobile-menu a { font-size: 19px; padding: 11px; }
.mobile-menu .mm-label {
  font-size: 11px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--slate-400); padding: 16px 11px 4px;
}

/* ------------------------------------------------------------
   Audience split — Two Sides of Automotive Capital
------------------------------------------------------------ */
.audience-split { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.audience-card {
  position: relative;
  border-radius: var(--radius-lg);
  padding: 44px 38px;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  transition: transform .28s ease, box-shadow .28s ease;
}
.audience-card:hover { transform: translateY(-6px); }
.audience-card .aud-eyebrow {
  font-size: 12px; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  margin-bottom: 16px; display: inline-block; position: relative;
}
.audience-card h3 { font-size: clamp(22px, 2.6vw, 28px); margin-bottom: 14px; position: relative; }
.audience-card > p { font-size: 16px; line-height: 1.7; margin-bottom: 22px; position: relative; }
.audience-card ul { list-style: none; margin: 0 0 28px; position: relative; }
.audience-card ul li { position: relative; padding-left: 26px; margin-bottom: 10px; font-size: 15px; }
.audience-card ul li::before {
  content: ""; position: absolute; left: 0; top: 6px;
  width: 15px; height: 15px; border-radius: 50%;
  background-position: center; background-repeat: no-repeat; background-size: 9px;
}
.audience-card .btn { align-self: flex-start; margin-top: auto; position: relative; }

.audience-card.aud-business {
  background: var(--white);
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow-card);
}
.audience-card.aud-business:hover { box-shadow: var(--shadow-card-hover); }
.audience-card.aud-business .aud-eyebrow { color: var(--blue-500); }
.audience-card.aud-business > p { color: var(--slate-500); }
.audience-card.aud-business ul li { color: var(--slate-700); }
.audience-card.aud-business ul li::before {
  background-color: var(--blue-100);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231249A5' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E");
}

.audience-card.aud-lender {
  background: linear-gradient(150deg, #073B57 0%, #0B6E5D 62%, #12A98D 100%);
  color: #fff;
  border: 1px solid rgba(255,255,255,.18);
  box-shadow: 0 12px 34px rgba(11,110,93,.24);
}
.audience-card.aud-lender::after {
  content: ""; position: absolute; width: 520px; height: 520px; border-radius: 50%;
  background: radial-gradient(circle, rgba(255,255,255,.14) 0%, transparent 65%);
  top: -260px; right: -200px; pointer-events: none;
}
.audience-card.aud-lender .aud-eyebrow { color: #9FE7D6; }
.audience-card.aud-lender > p { color: rgba(255,255,255,.86); }
.audience-card.aud-lender ul li { color: rgba(255,255,255,.94); }
.audience-card.aud-lender ul li::before {
  background-color: rgba(255,255,255,.22);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23ffffff' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E");
}

/* ------------------------------------------------------------
   Lender hero — bright institutional navy/teal
------------------------------------------------------------ */
.hero-lender { background: linear-gradient(146deg, #062B46 0%, #0B5C63 48%, #0E8A73 100%); }
.hero-lender::before { background: radial-gradient(circle, rgba(18,169,141,.42) 0%, transparent 65%); }
.hero-lender .hero-tagline { background: rgba(255,255,255,.14); border-color: rgba(255,255,255,.26); }
.hero-lender .hero-tagline .dot { background: #6EE7C7; }
.hero-lender .btn-light { color: var(--teal-700); }
.hero-lender .kicker {
  font-size: clamp(20px, 2.6vw, 26px); font-weight: 700;
  color: #6EE7C7; margin-bottom: 14px; letter-spacing: -.01em;
}
.hero-lender p.sub { max-width: 560px; }
.hero-note { margin-top: 26px; font-size: 12.5px; line-height: 1.6; color: rgba(255,255,255,.62); max-width: 560px; }

.hero-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-top: 32px; max-width: 560px; }
.hero-stat {
  background: rgba(255,255,255,.09); border: 1px solid rgba(255,255,255,.18);
  border-radius: var(--radius-sm); padding: 16px 14px;
}
.hero-stat .hs-num { font-size: 21px; font-weight: 800; color: #fff; letter-spacing: -.02em; }
.hero-stat .hs-label { font-size: 12px; color: rgba(255,255,255,.72); font-weight: 500; margin-top: 4px; line-height: 1.4; }

.solution-card {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.18);
  border-radius: var(--radius-lg);
  padding: 28px;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.solution-card .sc-title {
  font-size: 12px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  color: rgba(255,255,255,.66); margin-bottom: 18px;
}
.sc-chain { display: flex; flex-direction: column; gap: 10px; }
.sc-link {
  display: flex; align-items: center; gap: 14px;
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.16);
  border-radius: 12px; padding: 13px 16px;
  transition: background .25s ease, transform .25s ease;
}
.sc-link:hover { background: rgba(255,255,255,.17); transform: translateX(3px); }
.sc-link .sc-idx {
  width: 26px; height: 26px; flex: none; border-radius: 50%;
  background: rgba(110,231,199,.22); border: 1px solid rgba(110,231,199,.5);
  color: #A9F3DE; font-size: 12.5px; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.sc-link .sc-text { font-size: 14px; font-weight: 600; color: rgba(255,255,255,.94); }
.sc-outcome {
  margin-top: 14px; border-radius: 12px; padding: 15px;
  background: linear-gradient(90deg, rgba(18,169,141,.34), rgba(110,231,199,.22));
  border: 1px solid rgba(110,231,199,.46);
  color: #D6FBF0; font-weight: 700; font-size: 14.5px; text-align: center;
}

/* ------------------------------------------------------------
   Comparison panels
------------------------------------------------------------ */
.compare-grid { display: grid; grid-template-columns: 1fr auto 1fr; gap: 22px; align-items: stretch; }
.compare-panel {
  border-radius: var(--radius-lg); padding: 32px 28px;
  border: 1px solid var(--gray-200); background: var(--white);
  box-shadow: var(--shadow-card); display: flex; flex-direction: column;
}
.compare-panel .cp-tag {
  display: inline-block; align-self: flex-start;
  font-size: 11.5px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  border-radius: 100px; padding: 5px 13px; margin-bottom: 16px;
}
.compare-panel h3 { font-size: 21px; margin-bottom: 8px; }
.compare-panel .cp-sub { font-size: 14.5px; color: var(--slate-500); margin-bottom: 22px; }
.cp-steps { list-style: none; margin: 0; flex-grow: 1; }
.cp-steps li {
  position: relative; padding: 11px 0 11px 34px; font-size: 14.5px;
  color: var(--slate-700); border-bottom: 1px dashed var(--gray-200);
}
.cp-steps li:last-child { border-bottom: none; }
.cp-steps li::before {
  content: ""; position: absolute; left: 6px; top: 17px;
  width: 9px; height: 9px; border-radius: 50%;
}
.cp-outcome { margin-top: 20px; border-radius: var(--radius-sm); padding: 15px 18px; font-weight: 700; font-size: 15px; text-align: center; }

.compare-panel.cp-old .cp-tag { background: var(--rose-100); color: var(--rose-600); }
.compare-panel.cp-old .cp-steps li::before { background: #D9A3B0; }
.compare-panel.cp-old .cp-outcome { background: var(--rose-100); color: var(--rose-600); }

.compare-panel.cp-new {
  border-color: rgba(14,138,115,.32);
  box-shadow: 0 2px 6px rgba(11,110,93,.06), 0 16px 40px rgba(11,110,93,.14);
}
.compare-panel.cp-new .cp-tag { background: var(--teal-100); color: var(--teal-700); }
.compare-panel.cp-new .cp-steps li::before { background: var(--teal-500); }
.compare-panel.cp-new .cp-outcome { background: var(--teal-100); color: var(--teal-700); }

.compare-vs {
  align-self: center; width: 54px; height: 54px; border-radius: 50%;
  background: var(--white); border: 1px solid var(--gray-200); box-shadow: var(--shadow-card);
  display: flex; align-items: center; justify-content: center;
  font-size: 12.5px; font-weight: 800; letter-spacing: .06em; color: var(--slate-400);
}

/* ------------------------------------------------------------
   Process hopscotch
------------------------------------------------------------ */
.hopscotch { display: grid; grid-template-columns: repeat(6, 1fr); gap: 14px; position: relative; }
.hopscotch::before {
  content: ""; position: absolute; left: 6%; right: 6%; top: 42px; height: 2px;
  background: linear-gradient(90deg, var(--blue-100), var(--teal-500)); z-index: 0;
}
.hop {
  position: relative; z-index: 1;
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-md); padding: 22px 16px 24px;
  box-shadow: var(--shadow-card); text-align: center;
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.hop:hover { transform: translateY(-5px); border-color: var(--teal-500); box-shadow: var(--shadow-card-hover); }
.hop .hop-num {
  width: 40px; height: 40px; border-radius: 50%; margin: 0 auto 14px;
  background: linear-gradient(135deg, var(--teal-600), var(--teal-500));
  color: #fff; font-weight: 800; font-size: 16px;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 4px 12px rgba(14,138,115,.3);
}
.hop h4 { font-size: 14.5px; margin-bottom: 7px; letter-spacing: -.01em; }
.hop p { font-size: 12.5px; color: var(--slate-500); line-height: 1.55; }

/* ------------------------------------------------------------
   Capability cards
------------------------------------------------------------ */
.cap-lead {
  background: linear-gradient(135deg, var(--blue-800), var(--teal-700));
  border-radius: var(--radius-lg); color: #fff; padding: 38px 34px; margin-bottom: 24px;
  display: grid; grid-template-columns: auto 1fr; gap: 26px; align-items: center;
}
.cap-lead .cl-badge {
  width: 84px; height: 84px; border-radius: 22px; flex: none;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.24);
  display: flex; align-items: center; justify-content: center;
}
.cap-lead .cl-badge svg { width: 40px; height: 40px; stroke: #fff; }
.cap-lead h3 { font-size: 23px; margin-bottom: 8px; }
.cap-lead p { color: rgba(255,255,255,.85); font-size: 15.5px; margin: 0; }

.cap-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.cap-card {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-md); padding: 28px 24px; box-shadow: var(--shadow-card);
  transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.cap-card:hover { transform: translateY(-5px); border-color: var(--teal-500); box-shadow: var(--shadow-card-hover); }
.icon-tile.teal { background: linear-gradient(135deg, var(--teal-50), var(--teal-100)); }
.icon-tile.teal svg { stroke: var(--teal-600); }
.cap-card h4 { font-size: 17px; margin: 16px 0 8px; }
.cap-card p { font-size: 14.5px; color: var(--slate-500); line-height: 1.6; }
.cap-card .cap-role {
  display: inline-block; margin-top: 14px;
  font-size: 11px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
  color: var(--teal-700); background: var(--teal-50); border: 1px solid var(--teal-100);
  border-radius: 100px; padding: 4px 11px;
}

/* ------------------------------------------------------------
   Technology panel
------------------------------------------------------------ */
.tech-panel {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-card); padding: 34px 30px;
}
.tech-panel h3 { font-size: 19px; margin-bottom: 10px; }
.tech-panel > p { font-size: 15px; color: var(--slate-500); }
.tech-list { list-style: none; margin-top: 18px; }
.tech-list li { display: flex; gap: 14px; align-items: flex-start; padding: 14px 0; border-top: 1px solid var(--gray-150); }
.tech-list li:first-child { border-top: none; padding-top: 4px; }
.tech-list .tl-ic {
  width: 34px; height: 34px; flex: none; border-radius: 10px;
  background: var(--teal-50); border: 1px solid var(--teal-100);
  display: flex; align-items: center; justify-content: center;
}
.tech-list .tl-ic svg { width: 17px; height: 17px; stroke: var(--teal-600); }
.tech-list h4 { font-size: 15px; font-weight: 700; margin-bottom: 3px; }
.tech-list p { font-size: 13.5px; color: var(--slate-500); margin: 0; line-height: 1.55; }

.callout-guard {
  margin-top: 22px; background: var(--amber-100); border: 1px solid #F3D9B5;
  border-radius: var(--radius-sm); padding: 16px 18px;
  font-size: 13.5px; color: #7C4A11; line-height: 1.6;
}
.callout-guard strong { color: #5C360C; }

/* ------------------------------------------------------------
   Economics comparison
------------------------------------------------------------ */
.econ-wrap {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-card); padding: 36px 32px;
}
.econ-head {
  display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 18px;
  padding-bottom: 14px; border-bottom: 2px solid var(--gray-150);
  font-size: 11.5px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--slate-400);
}
.econ-head span:nth-child(2) { color: var(--rose-600); }
.econ-head span:nth-child(3) { color: var(--teal-700); }
.econ-row {
  display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 18px;
  padding: 16px 0; border-bottom: 1px solid var(--gray-150); align-items: start;
}
.econ-row .er-label { font-size: 14.5px; font-weight: 600; color: var(--ink); }
.econ-row .er-label small { display: block; font-weight: 400; font-size: 12.5px; color: var(--slate-400); margin-top: 3px; }
.econ-row .er-old, .econ-row .er-new { font-size: 14px; line-height: 1.55; }
.econ-row .er-old { color: var(--slate-500); }
.econ-row .er-new { color: var(--teal-700); font-weight: 600; }
.econ-total {
  display: grid; grid-template-columns: 1.3fr 1fr 1fr; gap: 18px;
  margin-top: 14px; padding: 20px; border-radius: var(--radius-sm);
  background: var(--gray-100); align-items: center;
}
.econ-total .er-label { font-size: 15px; font-weight: 800; }
.econ-total .er-old { color: var(--rose-600); font-weight: 700; font-size: 14.5px; }
.econ-total .er-new { color: var(--teal-700); font-weight: 800; font-size: 14.5px; }

/* ------------------------------------------------------------
   Presentation module + PDF viewer
------------------------------------------------------------ */
.deck-module {
  display: grid; grid-template-columns: .95fr 1.05fr; gap: 40px; align-items: center;
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-card); padding: 34px;
}
.deck-thumb {
  position: relative; border-radius: var(--radius-md); overflow: hidden;
  border: 1px solid var(--gray-200); box-shadow: 0 10px 30px rgba(11,27,51,.16);
  display: block; background: var(--gray-100);
}
.deck-thumb img { width: 100%; height: auto; display: block; transition: transform .5s ease; }
.deck-thumb:hover img { transform: scale(1.03); }
.deck-thumb .deck-play {
  position: absolute; inset: 0; display: flex; align-items: center; justify-content: center;
  background: linear-gradient(180deg, rgba(6,37,91,0) 40%, rgba(6,37,91,.55) 100%);
  opacity: 0; transition: opacity .3s ease;
}
.deck-thumb:hover .deck-play, .deck-thumb:focus-visible .deck-play { opacity: 1; }
.deck-thumb .deck-play span {
  background: #fff; color: var(--blue-700); border-radius: 100px;
  padding: 11px 22px; font-weight: 700; font-size: 14px; box-shadow: 0 8px 22px rgba(0,0,0,.28);
}
.deck-badge {
  position: absolute; top: 14px; left: 14px;
  background: rgba(6,37,91,.86); color: #fff; border-radius: 100px; padding: 5px 13px;
  font-size: 11px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
}
.deck-meta { display: flex; flex-wrap: wrap; gap: 10px; margin: 18px 0 24px; }
.deck-meta span {
  background: var(--gray-100); border: 1px solid var(--gray-200); border-radius: 100px;
  padding: 6px 14px; font-size: 12.5px; font-weight: 600; color: var(--slate-700);
}
.deck-actions { display: flex; gap: 12px; flex-wrap: wrap; }

.pdf-shell { background: var(--gray-100); padding: 104px 0 40px; min-height: 100vh; }
.pdf-bar {
  max-width: 1320px; margin: 0 auto 18px; padding: 0 20px;
  display: flex; flex-wrap: wrap; gap: 14px; align-items: center; justify-content: space-between;
}
.pdf-bar h1 { font-size: clamp(19px, 2.4vw, 25px); color: var(--ink); }
.pdf-bar .pdf-sub { font-size: 13.5px; color: var(--slate-500); margin-top: 5px; }
.pdf-frame-wrap { max-width: 1320px; margin: 0 auto; padding: 0 20px 40px; }
.pdf-frame {
  width: 100%; height: min(82vh, 900px);
  border: 1px solid var(--gray-200); border-radius: var(--radius-md);
  background: #fff; box-shadow: var(--shadow-card);
}
.pdf-fallback { margin-top: 16px; font-size: 14px; color: var(--slate-500); text-align: center; }

/* ------------------------------------------------------------
   Enterprise structure — three peer platforms
------------------------------------------------------------ */
.ent-wrap { max-width: 980px; margin: 0 auto; }
.ent-parent {
  background: linear-gradient(135deg, var(--blue-900), var(--blue-600));
  color: #fff; border-radius: var(--radius-lg); padding: 30px 34px; text-align: center;
  box-shadow: 0 12px 32px rgba(6,37,91,.24);
}
.ent-parent .ep-name { font-size: clamp(20px, 2.6vw, 26px); font-weight: 800; letter-spacing: -.02em; }
.ent-parent .ep-role {
  font-size: 11.5px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase;
  color: #9CC2FF; margin-top: 7px;
}
.ent-connector { display: flex; justify-content: center; }
.ent-connector svg { width: 100%; max-width: 700px; height: 56px; }
.ent-peers { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.ent-peer {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-md); padding: 26px 22px;
  box-shadow: var(--shadow-card); text-align: center;
  transition: transform .25s ease, box-shadow .25s ease;
}
.ent-peer:hover { transform: translateY(-4px); box-shadow: var(--shadow-card-hover); }
.ent-peer .epr-name { font-size: 16.5px; font-weight: 800; color: var(--ink); letter-spacing: -.01em; }
.ent-peer .epr-role { font-size: 13px; color: var(--slate-500); margin-top: 7px; line-height: 1.5; }
.ent-peer .epr-tag {
  display: inline-block; margin-top: 14px;
  font-size: 10.5px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
  border-radius: 100px; padding: 4px 11px;
  background: var(--gray-100); color: var(--slate-500); border: 1px solid var(--gray-200);
}
.ent-peer.is-self {
  border-color: var(--blue-400);
  box-shadow: 0 2px 6px rgba(18,73,165,.08), 0 16px 40px rgba(18,73,165,.16);
  background: linear-gradient(180deg, #fff, var(--blue-50));
}
.ent-peer.is-self .epr-tag { background: var(--blue-100); color: var(--blue-700); border-color: #C9DBF7; }
.ent-note { margin-top: 26px; text-align: center; font-size: 13.5px; color: var(--slate-400); font-style: italic; }
.ent-support {
  margin-top: 34px; background: var(--gray-100); border: 1px solid var(--gray-200);
  border-radius: var(--radius-md); padding: 26px 28px;
}
.ent-support h4 { font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: var(--slate-500); margin-bottom: 14px; }
.ent-support .es-chips { display: flex; flex-wrap: wrap; gap: 10px; }
.ent-support .es-chips a, .ent-support .es-chips span {
  display: inline-block; background: var(--white); border: 1px solid var(--gray-200);
  border-radius: 100px; padding: 8px 16px; font-size: 13.5px; font-weight: 600; color: var(--slate-700);
  transition: border-color .2s ease, color .2s ease;
}
.ent-support .es-chips a:hover { border-color: var(--blue-400); color: var(--blue-600); }
.ent-support p { font-size: 13px; color: var(--slate-400); margin-top: 16px; line-height: 1.65; }

/* ------------------------------------------------------------
   Principles + data tables
------------------------------------------------------------ */
.principle-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 18px; }
.principle {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-md); padding: 24px 20px; box-shadow: var(--shadow-card);
  transition: transform .25s ease, box-shadow .25s ease;
}
.principle:hover { transform: translateY(-4px); box-shadow: var(--shadow-card-hover); }
.principle .p-ic {
  width: 42px; height: 42px; border-radius: 12px; margin-bottom: 14px;
  background: linear-gradient(135deg, var(--blue-50), var(--blue-100));
  display: flex; align-items: center; justify-content: center;
}
.principle .p-ic svg { width: 20px; height: 20px; stroke: var(--blue-600); }
.principle h4 { font-size: 15.5px; margin-bottom: 6px; }
.principle p { font-size: 13.5px; color: var(--slate-500); line-height: 1.55; }

.data-table-wrap {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-card); overflow: hidden;
}
table.data-table { width: 100%; border-collapse: collapse; }
table.data-table th, table.data-table td {
  text-align: left; padding: 16px 22px; font-size: 14.5px; border-bottom: 1px solid var(--gray-150);
}
table.data-table thead th {
  background: var(--gray-100); color: var(--slate-500);
  font-size: 11.5px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
}
table.data-table tbody th { font-weight: 700; color: var(--ink); width: 34%; }
table.data-table td { color: var(--slate-700); }
table.data-table tbody tr:last-child th, table.data-table tbody tr:last-child td { border-bottom: none; }

/* ------------------------------------------------------------
   Forms
------------------------------------------------------------ */
.form-tabs { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin-bottom: 34px; }
.form-tab {
  background: var(--white); border: 1px solid var(--gray-200); border-radius: 100px;
  padding: 11px 24px; font-family: var(--font); font-size: 14.5px; font-weight: 600;
  color: var(--slate-700); cursor: pointer; transition: all .22s ease;
}
.form-tab:hover { border-color: var(--blue-400); color: var(--blue-600); }
.form-tab[aria-selected="true"] { background: var(--blue-600); border-color: var(--blue-600); color: #fff; }
.form-tab[aria-selected="true"].tab-lender { background: var(--teal-600); border-color: var(--teal-600); }
.form-tab[aria-selected="true"].tab-lender:hover { color: #fff; }

.form-card {
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-card);
  padding: 40px 38px; max-width: 880px; margin: 0 auto;
}
.form-card .fc-head { margin-bottom: 26px; }
.form-card .fc-head h3 { font-size: 23px; margin-bottom: 8px; }
.form-card .fc-head p { font-size: 15px; color: var(--slate-500); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-row.cols-3 { grid-template-columns: repeat(3, 1fr); }
.field { margin-bottom: 18px; }
.field label { display: block; font-size: 13.5px; font-weight: 600; color: var(--slate-700); margin-bottom: 7px; }
.field .req { color: #C0344F; }
.field input, .field select, .field textarea {
  width: 100%; font-family: var(--font); font-size: 15px; color: var(--ink); background: var(--white);
  border: 1px solid var(--gray-200); border-radius: var(--radius-sm); padding: 12px 14px;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--blue-400); box-shadow: 0 0 0 3px rgba(59,120,231,.18);
}
.field .hint { font-size: 12.5px; color: var(--slate-400); margin-top: 6px; }
.form-legal {
  font-size: 12.5px; color: var(--slate-400); line-height: 1.65;
  border-top: 1px solid var(--gray-150); padding-top: 18px; margin-top: 10px;
}
.form-submit { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; margin-top: 22px; }
.form-status { font-size: 14px; font-weight: 600; }
.form-status.ok { color: var(--teal-700); }
.form-status.err { color: #C0344F; }
fieldset { border: none; padding: 0; margin: 0 0 6px; }
fieldset legend {
  font-size: 11.5px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
  color: var(--slate-400); margin-bottom: 14px; padding: 0;
}
.field-sep { height: 1px; background: var(--gray-150); margin: 6px 0 24px; }

/* ------------------------------------------------------------
   Accessibility helpers
------------------------------------------------------------ */
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--blue-400); outline-offset: 2px; border-radius: 4px;
}
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 2000;
  background: var(--blue-700); color: #fff; padding: 12px 20px; border-radius: 0 0 8px 0;
  font-weight: 600; font-size: 14px;
}
.skip-link:focus { left: 0; }
.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;
}

.crumbs { font-size: 13px; color: rgba(255,255,255,.7); margin-bottom: 18px; }
.crumbs a { color: rgba(255,255,255,.85); }
.crumbs a:hover { color: #fff; }
.crumbs span { margin: 0 8px; opacity: .55; }

.section-head.left { text-align: left; margin-bottom: 44px; }
.section-head.left .section-sub { margin: 0; }

.legal-block {
  background: var(--gray-100); border: 1px solid var(--gray-200);
  border-radius: var(--radius-md); padding: 26px 28px;
  font-size: 13px; color: var(--slate-500); line-height: 1.7;
}
.legal-block h4 {
  font-size: 12px; letter-spacing: .1em; text-transform: uppercase;
  color: var(--slate-700); margin-bottom: 12px;
}
.legal-block p { margin-bottom: 10px; }
.legal-block p:last-child { margin-bottom: 0; }

.footer-legal {
  border-top: 1px solid rgba(255,255,255,.14);
  padding-top: 24px; margin-top: 20px;
  font-size: 12px; line-height: 1.7; color: rgba(255,255,255,.5);
}
.footer-legal p { margin-bottom: 9px; }
.footer-legal p:last-child { margin-bottom: 0; }

.cta-band.cta-lender { background: linear-gradient(140deg, #062B46, #0E8A73); }
.cta-band.cta-lender::before { background: radial-gradient(circle, rgba(18,169,141,.45) 0%, transparent 65%); }
.cta-band.cta-lender .btn-light { color: var(--teal-700); }

.pull-quote { max-width: 860px; margin: 0 auto; text-align: center; }
.pull-quote blockquote {
  font-size: clamp(21px, 3vw, 30px); font-weight: 700; letter-spacing: -.02em;
  color: var(--ink); line-height: 1.35; margin-bottom: 16px;
}
.pull-quote cite {
  font-style: normal; font-size: 13.5px; font-weight: 600; letter-spacing: .08em;
  text-transform: uppercase; color: var(--slate-400);
}

.notlist { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.notitem {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--white); border: 1px solid var(--gray-200);
  border-radius: var(--radius-md); padding: 22px 24px; box-shadow: var(--shadow-card);
}
.notitem .ni-ic {
  width: 34px; height: 34px; flex: none; border-radius: 50%;
  background: var(--gray-100); border: 1px solid var(--gray-200);
  display: flex; align-items: center; justify-content: center;
}
.notitem .ni-ic svg { width: 16px; height: 16px; stroke: var(--slate-400); }
.notitem h4 { font-size: 15.5px; margin-bottom: 5px; }
.notitem p { font-size: 13.5px; color: var(--slate-500); line-height: 1.55; }

/* ------------------------------------------------------------
   Responsive
------------------------------------------------------------ */
@media (max-width: 1024px) {
  .hopscotch { grid-template-columns: repeat(3, 1fr); }
  .hopscotch::before { display: none; }
  .cap-grid { grid-template-columns: repeat(2, 1fr); }
  .principle-grid { grid-template-columns: repeat(3, 1fr); }
  .deck-module { grid-template-columns: 1fr; gap: 30px; }
  .ent-peers { grid-template-columns: 1fr; margin-top: 20px; }
  .ent-connector { display: none; }
}

@media (max-width: 900px) {
  .audience-split { grid-template-columns: 1fr; }
  .compare-grid { grid-template-columns: 1fr; }
  .compare-vs { margin: 0 auto; transform: rotate(90deg); }
  .cap-lead { grid-template-columns: 1fr; text-align: center; }
  .cap-lead .cl-badge { margin: 0 auto; }
  .hero-stats { max-width: none; }
}

@media (max-width: 640px) {
  .hopscotch { grid-template-columns: 1fr; }
  .cap-grid { grid-template-columns: 1fr; }
  .principle-grid { grid-template-columns: 1fr; }
  .notlist { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: 1fr; gap: 10px; }
  .form-row, .form-row.cols-3 { grid-template-columns: 1fr; }
  .form-card { padding: 28px 22px; }
  .audience-card { padding: 32px 24px; }
  .econ-head { display: none; }
  .econ-row, .econ-total { grid-template-columns: 1fr; gap: 8px; }
  .econ-row .er-old::before { content: "Traditional: "; font-weight: 700; color: var(--rose-600); }
  .econ-row .er-new::before { content: "Drive Financial: "; font-weight: 700; }
  .econ-total .er-old::before { content: "Traditional: "; }
  .econ-total .er-new::before { content: "Drive Financial: "; }
  .econ-wrap { padding: 26px 20px; }
  .deck-module { padding: 22px; }
  .pdf-frame { height: 70vh; }
  table.data-table th, table.data-table td { padding: 12px 14px; font-size: 13.5px; }
  table.data-table tbody th { width: 42%; }
  .ent-parent { padding: 24px 20px; }
  .tech-panel { padding: 26px 22px; }
  .compare-panel { padding: 26px 22px; }
}