/* Upward Merchant site styles. Indigo text and footer, blue actions, light blue panels. */
:root{
  --indigo:#1B1464; --indigo-2:#2A2380; --blue:#0071BC; --blue-dark:#005A96;
  --sky:#5AA7E0; --wave:#A9CBE8; --panel:#EEF3FB; --panel-2:#E3ECF8;
  --ink:#1B1464; --text:#3A3F5C; --muted:#6B7090; --line:#E1E6F0; --white:#fff;
  --radius:18px; --radius-sm:12px; --pill:999px;
  --shadow:0 18px 40px -18px rgba(27,20,100,.28);
  --font:"Outfit",system-ui,-apple-system,"Segoe UI",sans-serif;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--text);background:var(--white);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--blue)}
h1,h2,h3,h4{color:var(--ink);line-height:1.15;margin:0 0 .5em;font-weight:700;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,5vw,3.4rem)}
h2{font-size:clamp(1.6rem,3.4vw,2.3rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.hl{color:var(--blue)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.eyebrow{display:block;font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin-bottom:.6em}
.lede{font-size:1.1rem;color:var(--text);max-width:34em}
.small{font-size:.88rem;color:var(--muted)}
.center{text-align:center}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
section{padding:72px 0}
.panel-bg{background:var(--panel)}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;padding:.8em 1.4em;border-radius:var(--pill);font-weight:600;font-size:.95rem;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:inherit;line-height:1.1;transition:background .15s,color .15s,border-color .15s}
.btn svg{width:1.1em;height:1.1em}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-dark)}
.btn-ghost{border-color:var(--indigo);color:var(--indigo);background:transparent}
.btn-ghost:hover{background:var(--indigo);color:#fff}
.btn-white{background:#fff;color:var(--indigo)}
.btn-white:hover{background:var(--panel)}
.btn-outline-white{border-color:rgba(255,255,255,.7);color:#fff}
.btn-outline-white:hover{background:rgba(255,255,255,.12)}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 12px}
:focus-visible{outline:3px solid var(--sky);outline-offset:3px}

/* header */
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;gap:24px;height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--indigo);flex-shrink:0}
.brand-mark{width:44px;height:auto}
.brand-word{font-weight:600;font-size:.82rem;line-height:1.05;letter-spacing:.06em;text-transform:uppercase}
.nav{display:flex;gap:22px;margin-left:auto}
.nav a{color:var(--indigo);text-decoration:none;font-size:.92rem;font-weight:500;padding:6px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current=page]{border-bottom-color:var(--sky)}
.head-cta{display:flex;align-items:center;gap:16px}
.head-phone{display:flex;align-items:center;gap:6px;color:var(--indigo);text-decoration:none;font-size:.9rem;font-weight:500;white-space:nowrap}
.head-phone svg{width:16px;height:16px;color:var(--blue)}
.menu-btn{display:none;margin-left:auto;background:none;border:0;padding:8px;color:var(--indigo);cursor:pointer}
.menu-btn svg{width:28px;height:28px}
@media (max-width:960px){
  .nav,.head-phone{display:none}
  .menu-btn{display:block}
  .head-cta{margin-left:0}
  .site-header.open .nav{display:flex;position:absolute;top:72px;left:0;right:0;flex-direction:column;gap:0;background:#fff;border-bottom:1px solid var(--line);padding:8px 20px 20px}
  .site-header.open .nav a{padding:12px 0;border-bottom:1px solid var(--line)}
}
@media (max-width:520px){ .head-cta .btn{display:none} }

/* hero */
.hero{padding:64px 0 72px}
.hero-grid{display:grid;grid-template-columns:1.05fr 1fr;gap:48px;align-items:center}
.chip{display:inline-block;font-size:.75rem;font-weight:600;color:var(--blue);background:var(--panel);border-radius:var(--pill);padding:5px 12px;margin-bottom:18px}
.hero h1 .hl{display:block}
.hero-art{position:relative;background:var(--panel);border-radius:28px;aspect-ratio:1.2/1;overflow:hidden}
@media (max-width:860px){.hero-grid{grid-template-columns:1fr}.hero-art{max-width:520px}}

/* card art */
.card-art{position:absolute;inset:0}
.pay-card{position:absolute;width:62%;aspect-ratio:1.586/1;border-radius:18px;background:var(--indigo);box-shadow:var(--shadow);padding:5%;color:#fff;display:flex;flex-direction:column;justify-content:space-between}
.pay-card .chip-ic{width:16%;aspect-ratio:1.3/1;background:#8EC5F0;border-radius:5px}
.pay-card .word{font-size:clamp(.6rem,1.4vw,.85rem);font-weight:700;letter-spacing:.06em;line-height:1.05;text-transform:uppercase}
.pay-card .mark{width:22%}
.pay-card.blue{background:var(--blue)}
.toast{position:absolute;display:flex;align-items:center;gap:10px;background:#fff;border-radius:14px;padding:12px 16px;box-shadow:var(--shadow);font-size:.8rem;color:var(--indigo);font-weight:600;line-height:1.25}
.toast small{display:block;font-weight:400;color:var(--muted)}
.toast .ok{width:28px;height:28px;border-radius:50%;background:var(--blue);display:grid;place-items:center;flex-shrink:0}
.toast .ok svg{width:14px;height:14px;color:#fff}
.wave{position:absolute;pointer-events:none;color:var(--wave)}

/* accept strip */
.accept{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:18px 0}
.accept .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px}
.pills{display:flex;flex-wrap:wrap;gap:8px}
.pill{font-size:.8rem;font-weight:600;color:var(--indigo);background:var(--panel);border-radius:var(--pill);padding:6px 14px;text-decoration:none}
a.pill:hover{background:var(--panel-2)}

/* grids & cards */
.grid{display:grid;gap:20px}
.g4{grid-template-columns:repeat(4,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g6{grid-template-columns:repeat(6,1fr)}
@media (max-width:960px){.g4{grid-template-columns:repeat(2,1fr)}.g6{grid-template-columns:repeat(3,1fr)}}
@media (max-width:620px){.g4,.g3{grid-template-columns:1fr}.g6{grid-template-columns:repeat(2,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column}
.card h3{margin-top:14px}
.card p{font-size:.92rem;color:var(--text);flex:1}
.ic{width:40px;height:40px;border-radius:10px;background:var(--panel);display:grid;place-items:center;color:var(--blue)}
.ic svg{width:20px;height:20px}
.more{font-size:.86rem;font-weight:600;color:var(--indigo);text-decoration:none;display:inline-flex;align-items:center;gap:6px}
.more svg{width:16px;height:16px;color:var(--blue)}
.more:hover{color:var(--blue)}
.sec-head{margin-bottom:32px}
.sec-head p{color:var(--muted)}
.step-num{width:34px;height:34px;border-radius:50%;background:var(--indigo);color:#fff;display:grid;place-items:center;font-weight:700;font-size:.95rem}
.g3 .card:nth-child(3) .step-num{background:var(--blue)}
.tile{background:#fff;border-radius:var(--radius-sm);padding:18px;font-weight:600;font-size:.9rem;color:var(--indigo)}
.tile .ic{margin-bottom:12px;width:34px;height:34px}

/* banners */
.banner{position:relative;overflow:hidden;border-radius:24px;padding:44px;color:#fff;background:var(--blue)}
.banner.dark{background:var(--indigo)}
.banner h2{color:#fff}
.banner p{max-width:36em;color:rgba(255,255,255,.9)}
.banner .wave{color:rgba(255,255,255,.22)}
.banner.dark .wave{color:rgba(90,167,224,.45)}
.banner>*:not(.wave){position:relative}

/* faq */
.faq{max-width:720px;margin:0 auto}
.faq details{background:#fff;border-radius:var(--radius-sm);margin-bottom:10px;border:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:18px 22px;font-weight:600;color:var(--indigo);display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary svg{width:18px;height:18px;color:var(--blue);transition:transform .2s;flex-shrink:0}
.faq details[open] summary svg{transform:rotate(180deg)}
.faq .ans{padding:0 22px 18px;color:var(--text);font-size:.95rem}

/* final cta */
.final .mark-ring{width:72px;height:72px;border-radius:50%;border:2px solid var(--wave);display:grid;place-items:center;margin:0 auto 20px;background:var(--panel)}
.final .mark-ring svg{width:44px}
.final .btn-row{justify-content:center}

/* footer */
.site-footer{background:var(--indigo);color:#fff;padding:56px 0 28px}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:32px}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
.site-footer .brand{color:#fff}
.tagline{font-weight:700;font-size:1.05rem;margin-top:14px}
.tagline span{color:var(--sky)}
.site-footer h4{color:var(--sky);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:12px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:8px}
.site-footer a{color:#fff;text-decoration:none;font-size:.9rem;font-weight:500}
.site-footer a:hover{color:var(--sky)}
.foot-row{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:12px;border-top:1px solid rgba(255,255,255,.14);margin-top:36px;padding-top:20px;font-size:.82rem;color:rgba(255,255,255,.8)}
.foot-row nav{display:flex;gap:18px}
.socials{display:flex;flex-wrap:wrap;gap:8px}
.socials a{border:1px solid rgba(255,255,255,.4);border-radius:var(--pill);padding:5px 12px;font-size:.78rem}

/* services page */
.page-hero{position:relative;overflow:hidden;background:var(--panel);padding:64px 0}
.page-hero .wave{right:-40px;bottom:-30px;width:420px}
.svc{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;padding:36px 0}
.svc.flip .svc-art{order:2}
.svc-art{position:relative;background:var(--panel);border-radius:24px;aspect-ratio:1.3/1;overflow:hidden}
.checks{list-style:none;padding:0;margin:0 0 20px}
.checks li{display:flex;gap:10px;align-items:flex-start;margin-bottom:8px;font-size:.95rem}
.checks svg{width:18px;height:18px;color:var(--blue);flex-shrink:0;margin-top:3px}
@media (max-width:860px){.svc{grid-template-columns:1fr;gap:24px}.svc.flip .svc-art{order:0}}
.anchor-pills{margin-top:22px}

/* forms */
.quote-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:48px;align-items:start}
@media (max-width:900px){.quote-grid{grid-template-columns:1fr}}
.form-card{background:#fff;border-radius:24px;padding:32px;box-shadow:var(--shadow)}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.fields .full{grid-column:1/-1}
@media (max-width:560px){.fields{grid-template-columns:1fr}}
label.f{display:block;font-size:.82rem;font-weight:600;color:var(--indigo);margin-bottom:6px}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;font-size:.95rem;padding:12px 14px;border:1.5px solid var(--line);border-radius:10px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,113,188,.15)}
textarea{min-height:110px;resize:vertical}
.checkgrid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.checkgrid label{display:flex;gap:8px;align-items:center;font-size:.9rem}
.upload{display:flex;gap:12px;align-items:center;border:1.5px dashed var(--wave);border-radius:12px;padding:16px;background:var(--panel);cursor:pointer}
.upload input{display:none}
.upload .ic{background:#fff}
.form-msg{margin-top:14px;font-weight:600}
.form-msg.ok{color:#1a7f4b}.form-msg.err{color:#b42318}
.talk{background:#fff;border-radius:var(--radius);padding:24px;margin-top:28px;position:relative;overflow:hidden}
.talk-row{display:flex;gap:12px;align-items:center;margin-top:14px}
.talk-row small{display:block;color:var(--muted);font-size:.76rem}
.talk-row a,.talk-row span{color:var(--indigo);font-weight:600;text-decoration:none;font-size:.92rem}
.hp{position:absolute;left:-9999px}

/* fee calculator */
.calc-hero{background:var(--indigo);color:#fff;padding:64px 0 140px;position:relative;overflow:hidden;text-align:center}
.calc-hero h1{color:#fff}
.calc-hero .hl{color:var(--sky)}
.calc-hero .chip{background:rgba(255,255,255,.12);color:#fff}
.calc-hero .wave{color:rgba(90,167,224,.35)}
.calc-card{background:#fff;border-radius:24px;box-shadow:var(--shadow);padding:24px;margin-top:-110px;position:relative}
.inputs{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media (max-width:760px){.inputs{grid-template-columns:1fr}}
.inbox{border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.inbox h3{display:flex;gap:10px;align-items:center;font-size:1rem;margin:0}
.inbox p{font-size:.82rem;color:var(--muted);margin:6px 0 10px}
.money{display:flex;align-items:center;border-bottom:1.5px solid var(--line);margin-bottom:14px}
.money span{font-size:2rem;font-weight:700;color:var(--blue)}
.money input{border:0;font-size:2rem;font-weight:700;color:var(--indigo);padding:6px 4px;box-shadow:none}
input[type=range]{width:100%;accent-color:var(--blue)}
.ticks{display:flex;justify-content:space-between;font-size:.7rem;color:var(--muted)}
.howcalc{background:var(--panel);border-radius:var(--radius);padding:18px;margin-top:20px;text-align:center}
.eq{display:flex;flex-wrap:wrap;gap:10px;align-items:center;justify-content:center;margin-top:8px}
.eq b{background:#fff;border-radius:var(--pill);padding:8px 18px;color:var(--indigo);min-width:80px;display:inline-block}
.eq .res{background:var(--blue);color:#fff}
.eq em{font-style:normal;display:block;font-size:.7rem;color:var(--muted);text-align:center;margin-top:4px}
.results{display:grid;grid-template-columns:1.3fr 1fr;gap:20px;margin-top:24px}
@media (max-width:760px){.results{grid-template-columns:1fr}}
.rate-box{position:relative;overflow:hidden;background:var(--blue);color:#fff;border-radius:24px;padding:36px}
.rate-box .big{font-size:clamp(3rem,9vw,5.5rem);font-weight:700;line-height:1;margin:12px 0}
.rate-box .eyebrow{color:rgba(255,255,255,.85)}
.rate-box p{color:rgba(255,255,255,.9);font-size:.9rem}
.rate-box .wave{color:rgba(255,255,255,.2)}
.annual{background:var(--indigo);color:#fff;border-radius:24px;padding:26px}
.annual .eyebrow{color:var(--sky)}
.annual .big{font-size:2.6rem;font-weight:700;line-height:1}
.receipt-wrap{background:var(--panel);border-radius:24px;padding:24px;margin-top:20px;display:grid;place-items:center}
.receipt{background:#fff;border-radius:10px;padding:18px 20px;width:100%;max-width:260px;box-shadow:var(--shadow);font-size:.85rem}
.receipt .row{display:flex;justify-content:space-between;padding:6px 0;border-bottom:1px dashed var(--line)}
.receipt .row.fee{color:var(--blue)}
.receipt .row.keep{border:0;font-weight:700;color:var(--indigo);font-size:1.1rem}
.review-strip{display:flex;flex-wrap:wrap;align-items:center;gap:18px;background:var(--panel);border-radius:var(--radius);padding:22px;margin-top:24px}
.review-strip .grow{flex:1;min-width:220px}
.review-strip h3{margin:0 0 4px}
.review-strip p{margin:0;font-size:.88rem}
.know{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
@media (max-width:860px){.know{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.know{grid-template-columns:1fr}}
.know div{border-top:3px solid var(--wave);padding-top:14px}
.know div:last-child{border-color:var(--sky)}
.know small{color:var(--blue);font-weight:700}
.know h3{font-size:1rem;margin:6px 0}
.know p{font-size:.88rem}

/* blog */
.blog-list{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media (max-width:900px){.blog-list{grid-template-columns:1fr 1fr}}
@media (max-width:580px){.blog-list{grid-template-columns:1fr}}
.post-card{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;text-decoration:none;color:inherit;display:flex;flex-direction:column;background:#fff;transition:box-shadow .15s}
.post-card:hover{box-shadow:var(--shadow)}
.post-card .thumb{aspect-ratio:16/9;background:var(--panel);object-fit:cover;width:100%}
.post-card .body{padding:20px;flex:1;display:flex;flex-direction:column}
.post-card h3{font-size:1.08rem}
.post-card p{font-size:.9rem;color:var(--muted);flex:1}
.cat{font-size:.7rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--blue)}
.filters{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px}
.filters a[aria-current=page]{background:var(--indigo);color:#fff}
.article{max-width:740px;margin:0 auto}
.article-head{padding:48px 0 12px}
.article .meta{font-size:.85rem;color:var(--muted)}
.article .hero-img{border-radius:var(--radius);aspect-ratio:16/9;object-fit:cover;width:100%;margin:20px 0 6px}
.article .credit{font-size:.75rem;color:var(--muted);margin-bottom:28px}
.prose{font-size:1.06rem;line-height:1.75}
.prose h2{font-size:1.55rem;margin-top:1.8em}
.prose h3{font-size:1.2rem;margin-top:1.5em}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin-bottom:.4em}
.prose blockquote{margin:1.5em 0;padding:16px 22px;border-left:4px solid var(--blue);background:var(--panel);border-radius:0 12px 12px 0;color:var(--indigo)}
.prose table{border-collapse:collapse;width:100%;font-size:.92rem;margin:1.5em 0;display:block;overflow-x:auto}
.prose th,.prose td{border:1px solid var(--line);padding:8px 12px;text-align:left}
.prose th{background:var(--panel);color:var(--indigo)}
.prose img{border-radius:12px;margin:1.2em 0}
.post-cta{margin:40px 0;background:var(--panel);border-radius:var(--radius);padding:28px}
.empty{padding:40px;text-align:center;background:var(--panel);border-radius:var(--radius);color:var(--muted)}

/* legal */
.legal{max-width:760px;margin:0 auto;padding:56px 20px}
.legal h2{font-size:1.3rem;margin-top:1.6em}