:root{
  --navy:#061a31;--navy-2:#0a2a4a;--navy-3:#0d3d6d;--blue:#1769e0;--blue-2:#0f58c5;
  --gold:#d3a74d;--gold-2:#f0cf81;--ink:#071a33;--muted:#607086;--line:#dfe6ee;
  --soft:#f5f8fb;--white:#fff;--shadow:0 22px 60px rgba(7,26,51,.10);--shadow-strong:0 28px 80px rgba(7,26,51,.18);
  --radius:18px;--ease:cubic-bezier(.2,.75,.2,1)
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body.tbf-native{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:#fff;line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
body.tbf-native a{color:inherit}
img{max-width:100%;height:auto}
button,input,select,textarea{font:inherit}
.tbf-wrap{width:min(1240px,calc(100% - 48px));margin-inline:auto}
.tbf-skip{position:fixed;left:18px;top:12px;transform:translateY(-180%);z-index:999;background:#fff;color:#071a33;padding:10px 14px;border-radius:8px;font-weight:800;text-decoration:none;box-shadow:var(--shadow)}
.tbf-skip:focus{transform:none}

/* Header */
.tbf-topbar{background:#031326;color:#c7d5e5;font-size:11px;letter-spacing:.13em;text-transform:uppercase}
.tbf-topbar .tbf-wrap{display:flex;justify-content:flex-end;align-items:center;gap:14px;padding:8px 0}.tbf-topbar-speed{color:#f2d995;font-weight:900}.tbf-topbar-note{opacity:.72;letter-spacing:.08em}.tbf-topbar-phone{margin-left:auto;color:#fff;text-decoration:none;letter-spacing:.08em;white-space:nowrap}.tbf-topbar-phone strong{color:#f2d995;font-weight:950}.tbf-topbar-phone:hover,.tbf-topbar-phone:focus-visible{color:#fff;text-decoration:underline;text-underline-offset:3px}
.tbf-header{position:sticky;top:0;z-index:50;background:rgba(6,26,49,.96);backdrop-filter:blur(16px);border-bottom:1px solid rgba(255,255,255,.08);box-shadow:0 8px 28px rgba(3,19,38,.08)}
.tbf-nav{min-height:84px;display:flex;align-items:center;justify-content:space-between;gap:22px;position:relative}
.tbf-brand{display:flex;align-items:center;flex:0 0 auto}
.tbf-brand img{width:240px;max-width:42vw;display:block;aspect-ratio:3/1;object-fit:contain}
.tbf-links{display:flex;align-items:center;gap:24px;color:#eaf1f8;font-weight:650;font-size:13px}
.tbf-links>a:not(.tbf-apply-btn){position:relative;text-decoration:none;opacity:.88;padding:30px 0}
.tbf-links>a:not(.tbf-apply-btn)::after{content:"";position:absolute;left:0;right:100%;bottom:22px;height:2px;background:linear-gradient(90deg,var(--gold-2),var(--blue));border-radius:10px;transition:right .28s var(--ease)}
.tbf-links>a:hover,.tbf-links>a:focus-visible,.tbf-links>a.is-active{opacity:1;color:#fff}
.tbf-links>a:hover::after,.tbf-links>a:focus-visible::after,.tbf-links>a.is-active::after{right:0}
.tbf-menu{display:none;width:44px;height:44px;border:1px solid rgba(255,255,255,.15);border-radius:10px;background:rgba(255,255,255,.04);padding:10px;cursor:pointer}
.tbf-menu span{display:block;height:2px;background:#fff;margin:5px 0;border-radius:2px;transition:.2s ease}

/* Buttons and links */
.tbf-apply-btn,.tbf-btn{position:relative;isolation:isolate;overflow:hidden;display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:11px;padding:13px 20px;text-decoration:none;font-weight:800;line-height:1.2;border:1px solid transparent;cursor:pointer;transition:transform .24s var(--ease),box-shadow .24s var(--ease),border-color .24s ease,background .24s ease}
.tbf-apply-btn::before,.tbf-btn::before{content:"";position:absolute;z-index:-1;top:-120%;left:-45%;width:34%;height:340%;background:linear-gradient(90deg,transparent,rgba(255,255,255,.55),transparent);transform:rotate(20deg);transition:left .58s var(--ease)}
.tbf-apply-btn:hover::before,.tbf-btn:hover::before{left:125%}
.tbf-apply-btn:hover,.tbf-btn:hover{transform:translateY(-2px)}
.tbf-apply-btn:focus-visible,.tbf-btn:focus-visible,.tbf-carousel-controls button:focus-visible,.tbf-carousel-dots button:focus-visible,.tbf-faq summary:focus-visible{outline:3px solid rgba(240,207,129,.75);outline-offset:3px}
.tbf-apply-btn{background:linear-gradient(135deg,var(--gold-2),var(--gold));color:#071a33!important;box-shadow:0 10px 28px rgba(211,167,77,.18)}
.tbf-apply-btn:hover{box-shadow:0 14px 38px rgba(211,167,77,.30),0 0 28px rgba(240,207,129,.16)}
.tbf-btn-primary{background:linear-gradient(135deg,#2180ff,#0e54bd);color:#fff!important;border-color:rgba(120,181,255,.4);box-shadow:0 14px 30px rgba(23,105,224,.22)}
.tbf-btn-primary:hover{box-shadow:0 16px 40px rgba(23,105,224,.34),0 0 28px rgba(23,105,224,.20)}
.tbf-btn-secondary{border-color:#a9c8ee;color:#0a4d9c!important;background:linear-gradient(135deg,#f3f8ff 0%,#e4efff 100%);box-shadow:0 9px 24px rgba(23,105,224,.10)}
.tbf-btn-secondary:hover{border-color:#78ace8;background:linear-gradient(135deg,#fff 0%,#dcecff 100%);box-shadow:0 14px 34px rgba(23,105,224,.18),0 0 24px rgba(23,105,224,.10)}
.tbf-btn-dark{background:linear-gradient(135deg,var(--gold-2) 0%,var(--gold) 100%);color:#071a33!important;border-color:#d8b35f;box-shadow:0 13px 32px rgba(211,167,77,.24),0 0 0 1px rgba(255,255,255,.32) inset}
.tbf-btn-dark:hover{background:linear-gradient(135deg,#f8dfa0 0%,#d8ab4d 100%);box-shadow:0 17px 42px rgba(211,167,77,.34),0 0 30px rgba(240,207,129,.18)}

.tbf-btn:active,.tbf-apply-btn:active{transform:translateY(0) scale(.985)}
.tbf-btn[aria-disabled="true"],.tbf-apply-btn[aria-disabled="true"]{opacity:.55;pointer-events:none}
.tbf-arrow-link,.tbf-text-link{display:inline-flex;align-items:center;gap:7px;color:#0d61d4!important;text-decoration:none;font-weight:800}
.tbf-arrow-link span{transition:transform .2s ease}.tbf-arrow-link:hover span{transform:translateX(5px)}

/* Breadcrumb */
.tbf-breadcrumbs{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin-bottom:24px;color:#aebfd2;font-size:12px}
.tbf-breadcrumbs a{text-decoration:none;color:#cbd9e8}.tbf-breadcrumbs a:hover{color:#fff}

/* Hero */
.tbf-hero{position:relative;overflow:hidden;background:radial-gradient(circle at 78% 15%,rgba(23,105,224,.34),transparent 34%),linear-gradient(135deg,#041427 0%,#082743 54%,#0d3d6d 100%);color:#fff;padding:90px 0 84px}
.tbf-hero::after{content:"";position:absolute;right:-150px;bottom:-230px;width:560px;height:560px;border:1px solid rgba(211,167,77,.25);border-radius:50%;box-shadow:0 0 0 66px rgba(211,167,77,.04),0 0 0 132px rgba(211,167,77,.025)}
.tbf-hero .tbf-wrap{position:relative;z-index:1}
.tbf-eyebrow{color:var(--gold-2);font-size:11px;font-weight:900;letter-spacing:.18em;text-transform:uppercase}
.tbf-hero h1{font-size:clamp(42px,6vw,72px);line-height:1.02;max-width:900px;margin:14px 0 22px;letter-spacing:-.045em;text-wrap:balance}
.tbf-hero p{font-size:19px;color:#d7e2ee;max-width:790px;margin:0 0 30px}
.tbf-actions{display:flex;gap:12px;flex-wrap:wrap}

/* Homepage hero */
.tbf-home-hero{position:relative;overflow:hidden;background:radial-gradient(circle at 79% 17%,rgba(23,105,224,.28),transparent 30%),linear-gradient(135deg,#041427 0%,#082743 56%,#0b355f 100%);color:#fff;padding:78px 0 76px}
.tbf-home-hero::before{content:"";position:absolute;inset:auto -12vw -360px auto;width:760px;height:760px;border:1px solid rgba(211,167,77,.17);border-radius:50%;box-shadow:0 0 0 74px rgba(211,167,77,.03),0 0 0 148px rgba(211,167,77,.02)}
.tbf-home-hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.02fr) minmax(440px,.98fr);gap:64px;align-items:center}
.tbf-home-copy h1{font-size:clamp(48px,5.25vw,78px);line-height:.98;letter-spacing:-.058em;margin:14px 0 23px;max-width:780px;text-wrap:balance}
.tbf-home-copy>p{font-size:19px;line-height:1.68;color:#d7e2ee;max-width:710px;margin:0 0 28px}
.tbf-home-points{display:flex;flex-wrap:wrap;gap:10px 24px;margin-top:24px;color:#cad8e7;font-size:13px;font-weight:750}
.tbf-home-points span::before{content:"✓";color:var(--gold-2);margin-right:7px}
.tbf-home-visual{position:relative;min-height:510px}
.tbf-home-visual>img{position:absolute;inset:18px 0 0 38px;width:calc(100% - 38px);height:430px;object-fit:cover;border-radius:28px;box-shadow:0 30px 85px rgba(0,0,0,.31);border:1px solid rgba(255,255,255,.13);animation:tbfFloat 7s ease-in-out infinite}
.tbf-home-visual::after{content:"";position:absolute;inset:36px 20px 54px 0;border:1px solid rgba(211,167,77,.48);border-radius:28px;z-index:-1}
.tbf-hero-glow{position:absolute;width:340px;height:340px;right:-60px;top:-40px;background:radial-gradient(circle,rgba(23,105,224,.32),transparent 68%);filter:blur(12px);animation:tbfPulse 5.5s ease-in-out infinite}
.tbf-floating-card{position:absolute;width:min(278px,65%);background:rgba(5,25,47,.93);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:15px 16px;box-shadow:0 18px 45px rgba(0,0,0,.24);backdrop-filter:blur(14px);transition:transform .25s var(--ease),border-color .25s ease,box-shadow .25s ease}
.tbf-floating-card:hover{transform:translateY(-4px);border-color:rgba(240,207,129,.5);box-shadow:0 22px 55px rgba(0,0,0,.30)}
.tbf-floating-card small{display:block;color:#90b9eb;font-size:10px;font-weight:900;letter-spacing:.11em;margin-bottom:5px}
.tbf-floating-card b{display:block;font-size:14px;line-height:1.36}
.tbf-floating-one{left:0;top:46px}.tbf-floating-two{right:-8px;top:194px;border-color:rgba(23,105,224,.8)}.tbf-floating-three{left:70px;bottom:20px;border-color:rgba(211,167,77,.72)}
@keyframes tbfFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-7px)}}
@keyframes tbfPulse{0%,100%{opacity:.65;transform:scale(.96)}50%{opacity:1;transform:scale(1.07)}}

/* Sections and cards */
.tbf-section{padding:88px 0}.tbf-section-soft{background:var(--soft)}.tbf-section-dark{background:var(--navy);color:#fff}.tbf-section-cta{padding-top:68px}
.tbf-section h2{font-size:clamp(32px,4vw,49px);line-height:1.08;letter-spacing:-.036em;margin:0 0 16px;text-wrap:balance}
.tbf-lede{font-size:18px;color:var(--muted);max-width:790px;margin:0 0 34px}.tbf-section-dark .tbf-lede{color:#c8d6e6}
.tbf-section-heading{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:34px}.tbf-section-heading .tbf-lede{margin-bottom:0}
.tbf-section-intro{max-width:860px;margin:0 auto 40px}.tbf-section-intro .tbf-lede{margin:14px auto 0}.tbf-section-link{margin-top:32px}.tbf-center{text-align:center}
.tbf-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.tbf-grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.tbf-card{position:relative;overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:20px;padding:29px;box-shadow:0 8px 26px rgba(7,26,51,.04);transition:transform .28s var(--ease),box-shadow .28s var(--ease),border-color .28s ease}
.tbf-card::before{content:"";position:absolute;inset:0;background:linear-gradient(130deg,transparent 48%,rgba(23,105,224,.06),transparent 72%);transform:translateX(-100%);transition:transform .55s var(--ease);pointer-events:none}
.tbf-card:hover{transform:translateY(-5px);border-color:#bdcce0;box-shadow:0 20px 46px rgba(7,26,51,.10)}
.tbf-card:hover::before{transform:translateX(100%)}
.tbf-card h3{margin:0 0 9px;font-size:21px;line-height:1.25}.tbf-card p{margin:0;color:var(--muted)}.tbf-card a{margin-top:18px}.tbf-service-card-link{display:block;text-decoration:none;color:inherit}.tbf-service-card-link .tbf-arrow-link{margin-top:18px}.tbf-service-card-link:hover .tbf-arrow-link>span{transform:translateX(5px)}
.tbf-card-kicker{display:inline-flex;margin-bottom:14px;border-radius:999px;padding:6px 10px;background:#edf4fe;color:#0d61d4;font-size:10px;font-weight:900;letter-spacing:.09em;text-transform:uppercase}
.tbf-number{width:43px;height:43px;border-radius:12px;display:grid;place-items:center;background:#eaf2fe;color:#0d61d4;font-weight:900;margin-bottom:16px}
.tbf-split{display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:start}
.tbf-panel{background:#fff;border:1px solid var(--line);border-radius:22px;padding:32px;box-shadow:var(--shadow)}
.tbf-panel h3{margin-top:0}.tbf-list{padding:0;margin:20px 0 0;list-style:none}.tbf-list li{padding:12px 0 12px 30px;border-bottom:1px solid #e8edf2;position:relative}.tbf-list li:last-child{border-bottom:0}.tbf-list li::before{content:"✓";position:absolute;left:0;color:#1674ef;font-weight:900}
.tbf-statbar{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#dce5ef;border:1px solid #dce5ef;border-radius:16px;overflow:hidden;margin-top:28px}.tbf-stat{background:#fff;padding:23px}.tbf-stat b{display:block;font-size:15px;margin-bottom:4px}.tbf-stat span{color:var(--muted);font-size:12px;line-height:1.5;display:block}
.tbf-cta{position:relative;overflow:hidden;border-radius:25px;background:linear-gradient(120deg,#071a33,#0c3863);padding:44px;color:#fff;display:flex;justify-content:space-between;gap:32px;align-items:center;box-shadow:0 24px 60px rgba(7,26,51,.18)}
.tbf-cta::after{content:"";position:absolute;width:360px;height:360px;right:-130px;top:-180px;border-radius:50%;border:1px solid rgba(240,207,129,.22);box-shadow:0 0 0 52px rgba(240,207,129,.04)}
.tbf-cta>*{position:relative;z-index:1}.tbf-cta h2{font-size:35px;margin:0 0 8px}.tbf-cta p{margin:0;color:#cbd9e8;max-width:700px}
.tbf-trust-strip{background:#fff;border-bottom:1px solid var(--line)}.tbf-trust-strip .tbf-wrap{min-height:66px;display:grid;grid-template-columns:repeat(4,1fr);align-items:center}.tbf-trust-strip span{position:relative;font-size:12px;font-weight:850;color:#31465e;text-align:center;padding:0 14px;border-right:1px solid var(--line)}.tbf-trust-strip span::before{content:"→";color:var(--blue);margin-right:7px}.tbf-trust-strip span:last-child{border-right:0}
.tbf-trust-note{display:block!important;min-height:0!important;grid-template-columns:none!important;padding:9px 0 11px!important;text-align:center;color:#7a8899;font-size:10px;line-height:1.45}
.tbf-trust-note::before{content:none!important}

/* Fast funding emphasis */
.tbf-speed-section{position:relative;overflow:hidden;background:
  radial-gradient(circle at 8% 18%,rgba(23,105,224,.12),transparent 27%),
  linear-gradient(180deg,#fff 0%,#f7faff 100%)}
.tbf-speed-section::before{content:"⚡";position:absolute;right:4vw;top:4px;font-size:240px;line-height:1;color:rgba(23,105,224,.035);transform:rotate(8deg);pointer-events:none}
.tbf-speed-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(360px,.92fr);gap:58px;align-items:center}
.tbf-speed-copy{max-width:760px}.tbf-speed-copy h2{max-width:760px}
.tbf-speed-badge{display:inline-flex;align-items:center;gap:9px;margin-bottom:14px;border:1px solid #c8d9ef;border-radius:999px;padding:8px 12px;background:#eef5ff;color:#0c58c7;font-size:10px;font-weight:950;letter-spacing:.13em;text-transform:uppercase;box-shadow:0 9px 28px rgba(23,105,224,.06)}
.tbf-speed-badge span{font-size:17px;filter:drop-shadow(0 0 9px rgba(23,105,224,.42));animation:tbfLightningPulse 1.8s ease-in-out infinite}
.tbf-speed-disclaimer{font-size:11px!important;line-height:1.55!important;color:#718197!important;margin:14px 0 0!important;max-width:850px!important}
.tbf-section-dark .tbf-speed-disclaimer,.tbf-cta+.tbf-speed-disclaimer{color:#9fb0c4!important}
.tbf-speed-steps{display:grid;gap:14px}
.tbf-speed-step{position:relative;overflow:hidden;display:grid;grid-template-columns:52px 1fr;gap:16px;align-items:start;border:1px solid #d8e3ef;border-radius:18px;background:#fff;padding:22px;box-shadow:0 14px 40px rgba(7,26,51,.07);transition:transform .26s var(--ease),box-shadow .26s var(--ease),border-color .26s ease}
.tbf-speed-step::after{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent 30%,rgba(23,105,224,.055),transparent 68%);transform:translateX(-105%);transition:transform .55s var(--ease);pointer-events:none}
.tbf-speed-step:hover{transform:translateY(-4px);border-color:#a9c4e6;box-shadow:0 20px 48px rgba(7,26,51,.11)}
.tbf-speed-step:hover::after{transform:translateX(105%)}
.tbf-speed-step>span{display:grid;place-items:center;width:46px;height:46px;border-radius:13px;background:linear-gradient(135deg,#1769e0,#0d4eaa);color:#fff;font-weight:950;box-shadow:0 10px 24px rgba(23,105,224,.24)}
.tbf-speed-step b{display:block;font-size:17px;margin:1px 0 4px}.tbf-speed-step p{margin:0;color:var(--muted);font-size:13px;line-height:1.58}
@keyframes tbfLightningPulse{0%,100%{transform:scale(.95);opacity:.72}50%{transform:scale(1.12);opacity:1}}

/* Public review fallback and admin note */
.tbf-experience-card{min-height:245px;display:flex;flex-direction:column;justify-content:flex-start}
.tbf-experience-icon{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,rgba(23,105,224,.28),rgba(240,207,129,.16));border:1px solid rgba(255,255,255,.13);font-size:22px;margin-bottom:19px}
.tbf-experience-card h3{font-size:22px;line-height:1.22;margin:0 0 10px}.tbf-experience-card p{color:#c7d5e5;margin:0 0 20px;line-height:1.6}.tbf-experience-card>span{margin-top:auto;color:#f0cf81;font-size:11px;font-weight:900;letter-spacing:.11em;text-transform:uppercase}
.tbf-review-admin-note{margin-top:20px;border:1px dashed rgba(240,207,129,.38);border-radius:12px;padding:13px 15px;background:rgba(240,207,129,.06);color:#dbe6f3;font-size:12px;line-height:1.55}


/* Industries */
.tbf-industry-gallery{display:grid;grid-template-columns:1.35fr 1fr 1fr;grid-auto-rows:220px;gap:16px}.tbf-industry-photo{position:relative;overflow:hidden;border-radius:21px;text-decoration:none;box-shadow:0 12px 36px rgba(7,26,51,.11);background:#071a33;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.tbf-industry-photo:first-child{grid-row:span 2}.tbf-industry-photo img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .55s var(--ease),filter .35s ease}.tbf-industry-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(4,20,39,.02) 30%,rgba(4,20,39,.90) 100%)}
.tbf-industry-photo:hover{transform:translateY(-4px);box-shadow:0 20px 48px rgba(7,26,51,.18)}.tbf-industry-photo:hover img{transform:scale(1.055);filter:saturate(1.06)}
.tbf-industry-photo span{position:absolute;z-index:2;left:22px;right:22px;bottom:20px;color:#fff}.tbf-industry-photo b{display:block;font-size:20px;line-height:1.15}.tbf-industry-photo small{display:block;color:#dbe6f3;margin-top:6px;font-size:12px;line-height:1.48}.tbf-industry-text-grid{margin-top:20px}

/* Process */
.tbf-process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:38px}.tbf-process{position:relative;overflow:hidden;border:1px solid rgba(255,255,255,.13);border-radius:20px;padding:29px;background:rgba(255,255,255,.045);transition:transform .28s var(--ease),border-color .28s ease,background .28s ease}
.tbf-process::after{content:"";position:absolute;width:150px;height:150px;border-radius:50%;right:-90px;top:-90px;background:rgba(23,105,224,.16);filter:blur(3px)}
.tbf-process:hover{transform:translateY(-5px);border-color:rgba(240,207,129,.35);background:rgba(255,255,255,.065)}
.tbf-process span{display:inline-grid;place-items:center;width:45px;height:45px;border-radius:12px;background:rgba(23,105,224,.2);color:#7db1ff;font-weight:900}.tbf-process h3{font-size:21px;margin:18px 0 8px}.tbf-process p{color:#c2d0df;margin:0}

/* FAQ */
.tbf-faq-wrap{max-width:980px;margin-inline:auto}.tbf-faq-wrap .tbf-section-intro{text-align:left;margin-left:0;margin-bottom:30px}
.tbf-faq{border-top:1px solid #dbe4ed;background:#fff;border-radius:18px;overflow:hidden;border-left:1px solid var(--line);border-right:1px solid var(--line)}
.tbf-faq details{border-bottom:1px solid var(--line);padding:0;background:#fff;transition:background .2s ease}.tbf-faq details:last-child{border-bottom:0}.tbf-faq details[open]{background:#fbfdff}
.tbf-faq summary{display:flex;align-items:center;justify-content:space-between;gap:20px;cursor:pointer;list-style:none;padding:21px 24px;font-weight:850;font-size:16px;line-height:1.35}.tbf-faq summary::-webkit-details-marker{display:none}
.tbf-faq summary i{position:relative;flex:0 0 28px;width:28px;height:28px;border-radius:50%;background:#eef4fb;transition:transform .25s var(--ease),background .25s ease}.tbf-faq summary i::before,.tbf-faq summary i::after{content:"";position:absolute;left:8px;right:8px;top:13px;height:2px;background:#1769e0;border-radius:2px}.tbf-faq summary i::after{transform:rotate(90deg);transition:transform .2s ease}.tbf-faq details[open] summary i{transform:rotate(180deg);background:#e3eefc}.tbf-faq details[open] summary i::after{transform:rotate(0)}
.tbf-faq-answer{display:grid;grid-template-rows:0fr;transition:grid-template-rows .3s var(--ease)}.tbf-faq details[open] .tbf-faq-answer{grid-template-rows:1fr}.tbf-faq-answer p{overflow:hidden;margin:0;padding:0 24px 22px;color:var(--muted);max-width:890px}

/* Testimonials */
.tbf-testimonial-section{padding-top:88px}.tbf-carousel-controls{display:flex;gap:9px}.tbf-carousel-controls button{width:45px;height:45px;border-radius:50%;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.04);color:#fff;font-size:18px;cursor:pointer;transition:transform .2s ease,background .2s ease,border-color .2s ease}.tbf-carousel-controls button:hover{transform:translateY(-2px);background:rgba(255,255,255,.10);border-color:rgba(240,207,129,.55)}
.tbf-testimonial-track{display:grid;grid-auto-flow:column;grid-auto-columns:calc((100% - 40px)/3);gap:20px;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;padding:5px 2px 12px;overscroll-behavior-inline:contain;scroll-behavior:smooth}.tbf-testimonial-track::-webkit-scrollbar{display:none}
.tbf-testimonial{scroll-snap-align:start;border:1px solid rgba(255,255,255,.13);border-radius:20px;padding:29px;background:linear-gradient(145deg,rgba(255,255,255,.07),rgba(255,255,255,.035));box-shadow:0 16px 44px rgba(0,0,0,.12);transition:transform .28s var(--ease),border-color .28s ease}.tbf-testimonial:hover{transform:translateY(-4px);border-color:rgba(240,207,129,.35)}
.tbf-stars{color:var(--gold-2);letter-spacing:.12em;font-size:15px}.tbf-testimonial blockquote{margin:18px 0 24px;font-size:19px;line-height:1.62;color:#f1f5fa}.tbf-reviewer{display:flex;align-items:center;gap:12px}.tbf-reviewer img,.tbf-reviewer-initial{width:52px;height:52px;border-radius:50%;object-fit:cover;display:grid;place-items:center;flex:0 0 auto}.tbf-reviewer-initial{background:linear-gradient(135deg,#1769e0,#0d3d6d);color:#fff;font-weight:900}.tbf-reviewer b{display:block}.tbf-reviewer div span{display:block;color:#9eb0c4;font-size:12px;margin-top:2px}
.tbf-carousel-dots{display:flex;justify-content:center;gap:8px;margin-top:22px}.tbf-carousel-dots button{width:8px;height:8px;padding:0;border:0;border-radius:50%;background:#5a6c80;cursor:pointer;transition:width .2s ease,background .2s ease}.tbf-carousel-dots button.is-active{width:26px;border-radius:999px;background:var(--gold-2)}
.tbf-admin-preview{border-top:1px dashed rgba(240,207,129,.35)}

/* Blog */
.tbf-blog-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.tbf-blog-card{overflow:hidden;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 10px 30px rgba(7,26,51,.05);transition:transform .28s var(--ease),box-shadow .28s var(--ease)}.tbf-blog-card:hover{transform:translateY(-5px);box-shadow:0 20px 46px rgba(7,26,51,.11)}
.tbf-blog-image{display:block;height:218px;overflow:hidden;background:linear-gradient(135deg,#071a33,#1769e0);text-decoration:none}.tbf-blog-image img{width:100%;height:100%;object-fit:cover;transition:transform .5s var(--ease)}.tbf-blog-card:hover .tbf-blog-image img{transform:scale(1.055)}.tbf-blog-placeholder{height:100%;display:grid;place-items:center;color:#fff;font-weight:900;letter-spacing:.12em;text-transform:uppercase;font-size:12px}
.tbf-blog-body{padding:24px}.tbf-blog-meta{font-size:11px;letter-spacing:.05em;color:#718197;text-transform:uppercase;font-weight:750}.tbf-blog-card h3{font-size:22px;line-height:1.23;margin:8px 0 10px}.tbf-blog-card h3 a{text-decoration:none}.tbf-blog-card p{color:var(--muted);margin:0 0 18px}.tbf-empty-blog{border:1px dashed #b9c6d5;background:#fff;border-radius:18px;padding:30px}.tbf-empty-blog h3{margin:0 0 6px}.tbf-empty-blog p{margin:0;color:var(--muted)}
.tbf-post-hero{background:linear-gradient(135deg,#041427,#0d3d6d);color:#fff;padding:82px 0 64px}.tbf-post-wrap{max-width:880px}.tbf-post-hero h1{font-size:clamp(42px,6vw,68px);line-height:1.02;letter-spacing:-.045em;margin:14px 0 18px}.tbf-post-hero .tbf-blog-meta{color:#b8c8d9}.tbf-post-feature{width:100%;max-height:540px;object-fit:cover;border-radius:22px;margin-top:44px;box-shadow:var(--shadow)}.tbf-post-content{font-size:18px;line-height:1.82;padding-top:46px;padding-bottom:36px}.tbf-post-content h2{font-size:34px;line-height:1.15;margin:42px 0 14px}.tbf-post-content h3{font-size:24px;margin:32px 0 10px}.tbf-post-content p,.tbf-post-content li{color:#42566d}.tbf-post-content a{color:#0d61d4}.tbf-post-back{margin-top:42px}.tbf-editorial-note{margin-top:42px;padding:22px 24px;border:1px solid var(--line);border-radius:16px;background:var(--soft)}.tbf-editorial-note p{margin:6px 0 0;font-size:14px}

/* Forms */
.tbf-form{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.tbf-field{display:flex;flex-direction:column;gap:7px}.tbf-field.full{grid-column:1/-1}.tbf-field label{font-size:13px;font-weight:800;color:#30445d}.tbf-field input,.tbf-field select,.tbf-field textarea{width:100%;font:inherit;border:1px solid #ccd7e3;border-radius:10px;background:#fff;padding:13px 14px;color:var(--ink);outline:none;transition:border-color .2s ease,box-shadow .2s ease}.tbf-field input:focus,.tbf-field select:focus,.tbf-field textarea:focus{border-color:#1769e0;box-shadow:0 0 0 4px rgba(23,105,224,.10)}.tbf-field textarea{min-height:140px;resize:vertical}.tbf-field small{color:#718197;line-height:1.5}.tbf-hp{position:absolute!important;left:-10000px!important}.tbf-notice{padding:14px 16px;border-radius:10px;background:#eaf8ef;color:#176a3a;margin-bottom:20px}.tbf-error{background:#fff0f0;color:#a32c2c}

/* Long content / legal */
.tbf-article{padding:30px 0;border-bottom:1px solid var(--line)}.tbf-article:last-child{border-bottom:0}.tbf-article h2{font-size:29px;margin-bottom:10px}.tbf-article h3{font-size:18px;margin:20px 0 6px}.tbf-article p,.tbf-article li{color:#4e6076}.tbf-legal{max-width:900px}.tbf-legal h2{font-size:29px;margin-top:38px}.tbf-legal p,.tbf-legal li{color:#4e6076}.tbf-success-icon{width:76px;height:76px;border-radius:50%;display:grid;place-items:center;margin:0 auto 18px;background:#e7f7ed;color:#18753e;font-size:36px;font-weight:900}

/* Footer */
.tbf-footer{background:#031326;color:#c5d3e2;padding:62px 0 28px}.tbf-footer-grid{display:grid;grid-template-columns:1.55fr 1fr 1fr 1fr;gap:38px}.tbf-footer img{width:250px;max-width:100%;height:auto}.tbf-footer-brand p{max-width:430px;color:#9fb0c4}.tbf-footer h4{color:#fff;margin:0 0 13px}.tbf-footer a{display:block;text-decoration:none;color:#c5d3e2;margin:7px 0;font-size:13px}.tbf-footer a:hover{color:#fff}.tbf-disclaimer{border-top:1px solid rgba(255,255,255,.1);margin-top:38px;padding-top:22px;font-size:11px;color:#91a4b9;line-height:1.65}

/* Scroll reveal — v11: more visible, gradual, and staggered */
[data-reveal]{
  --reveal-x:0px;
  --reveal-y:48px;
  --reveal-scale:.985;
  --reveal-delay:0ms;
  opacity:0;
  transform:translate3d(var(--reveal-x),var(--reveal-y),0) scale(var(--reveal-scale));
  filter:blur(5px);
  transition:
    opacity .88s cubic-bezier(.22,.61,.36,1) var(--reveal-delay),
    transform .96s cubic-bezier(.16,1,.3,1) var(--reveal-delay),
    filter .80s ease var(--reveal-delay);
  will-change:opacity,transform,filter;
}
[data-reveal="left"]{--reveal-x:-46px;--reveal-y:14px}
[data-reveal="right"]{--reveal-x:46px;--reveal-y:14px}
[data-reveal="soft"]{--reveal-y:28px;--reveal-scale:.992;filter:blur(2px)}
[data-reveal].is-visible{opacity:1;transform:translate3d(0,0,0) scale(1);filter:blur(0)}

/* Keep staggered cards feeling intentional rather than appearing all at once. */
.tbf-grid>[data-reveal],.tbf-process-grid>[data-reveal],.tbf-blog-grid>[data-reveal],.tbf-trust-grid>[data-reveal]{transition-delay:var(--reveal-delay)}

/* Responsive */
@media(max-width:1160px){
  .tbf-home-hero-grid{grid-template-columns:1fr 430px;gap:38px}.tbf-links{gap:18px;font-size:12px}.tbf-brand img{width:220px}.tbf-wrap{width:min(1180px,calc(100% - 40px))}
}
@media(max-width:1020px){
  .tbf-menu{display:block}.tbf-links{display:none;position:absolute;left:0;right:0;top:76px;background:#071a33;border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:18px;flex-direction:column;align-items:stretch;gap:4px;box-shadow:0 20px 55px rgba(0,0,0,.28)}.tbf-links.open{display:flex}.tbf-links>a:not(.tbf-apply-btn){padding:11px 8px}.tbf-links>a:not(.tbf-apply-btn)::after{bottom:5px;left:8px}.tbf-apply-btn{width:100%;margin-top:6px}
  .tbf-home-hero-grid{grid-template-columns:1fr}.tbf-home-copy{max-width:780px}.tbf-home-visual{min-height:480px;max-width:720px;width:100%;margin:0 auto}.tbf-home-visual>img{height:410px}.tbf-trust-strip .tbf-wrap{grid-template-columns:repeat(2,1fr)}.tbf-trust-strip span{padding:15px;border-bottom:1px solid var(--line)}.tbf-trust-strip span:nth-child(2){border-right:0}.tbf-trust-strip span:nth-child(3),.tbf-trust-strip span:nth-child(4){border-bottom:0}
  .tbf-grid,.tbf-process-grid,.tbf-blog-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.tbf-industry-gallery{grid-template-columns:1fr 1fr;grid-auto-rows:235px}.tbf-industry-photo:first-child{grid-row:auto;grid-column:span 2}.tbf-testimonial-track{grid-auto-columns:calc((100% - 20px)/2)}.tbf-footer-grid{grid-template-columns:1.25fr 1fr 1fr}.tbf-footer-grid>div:last-child{grid-column:2/4}
}
@media(max-width:820px){
  .tbf-split,.tbf-grid-2{grid-template-columns:1fr}.tbf-statbar{grid-template-columns:1fr}.tbf-section-heading{align-items:flex-start;flex-direction:column}.tbf-footer-grid{grid-template-columns:1fr 1fr}.tbf-footer-grid>div:last-child{grid-column:auto}.tbf-cta{flex-direction:column;align-items:flex-start}
}
@media(max-width:700px){
  .tbf-wrap{width:min(100% - 28px,1180px)}.tbf-topbar{display:none}.tbf-nav{min-height:72px}.tbf-brand img{width:205px;max-width:62vw}.tbf-links{top:66px}
  .tbf-home-hero,.tbf-hero{padding:58px 0 54px}.tbf-home-copy h1{font-size:clamp(42px,13vw,58px)}.tbf-home-copy>p,.tbf-hero p{font-size:17px}.tbf-home-visual{min-height:430px}.tbf-home-visual>img{inset:16px 0 0 18px;width:calc(100% - 18px);height:340px;border-radius:20px}.tbf-floating-card{width:74%;padding:12px}.tbf-floating-one{left:0;top:24px}.tbf-floating-two{right:-4px;top:172px}.tbf-floating-three{left:20px;bottom:24px}
  .tbf-section{padding:64px 0}.tbf-grid,.tbf-process-grid,.tbf-blog-grid{grid-template-columns:1fr}.tbf-card,.tbf-panel{padding:23px}.tbf-industry-gallery{grid-template-columns:1fr;grid-auto-rows:235px}.tbf-industry-photo:first-child{grid-column:auto}.tbf-testimonial-track{grid-auto-columns:100%}.tbf-trust-strip .tbf-wrap{grid-template-columns:1fr}.tbf-trust-strip span{border-right:0!important;border-bottom:1px solid var(--line)!important;padding:14px!important}.tbf-trust-strip span:last-child{border-bottom:0!important}.tbf-cta{padding:29px}.tbf-cta h2{font-size:30px}.tbf-form{grid-template-columns:1fr}.tbf-field.full{grid-column:auto}.tbf-footer-grid{grid-template-columns:1fr}.tbf-post-hero{padding:58px 0 48px}.tbf-faq summary{padding:18px 18px}.tbf-faq-answer p{padding:0 18px 20px}.tbf-carousel-controls{display:none}
}
@media(max-width:460px){.tbf-home-visual{min-height:405px}.tbf-home-visual>img{height:315px}.tbf-floating-card{font-size:12px}.tbf-floating-two{top:162px}.tbf-actions{flex-direction:column}.tbf-actions .tbf-btn,.tbf-actions .tbf-apply-btn{width:100%}.tbf-home-points{display:grid;gap:7px}.tbf-hero h1{font-size:40px}}

@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}[data-reveal]{opacity:1!important;transform:none!important;filter:none!important}.tbf-home-visual>img{animation:none}
}

.tbf-cta + .tbf-speed-disclaimer{margin:12px 2px 0!important}
.tbf-home-hero .tbf-hero-secondary{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.22);color:#fff}
.tbf-home-hero .tbf-hero-secondary:hover{background:rgba(255,255,255,.13);border-color:rgba(240,207,129,.42);box-shadow:0 14px 38px rgba(0,0,0,.14)}

@media(max-width:1020px){
  .tbf-speed-grid{grid-template-columns:1fr;gap:34px}.tbf-speed-copy{max-width:none}.tbf-speed-steps{grid-template-columns:repeat(3,1fr)}.tbf-speed-step{grid-template-columns:1fr}.tbf-speed-step>span{margin-bottom:2px}
}
@media(max-width:820px){
  .tbf-speed-steps{grid-template-columns:1fr}.tbf-speed-step{grid-template-columns:52px 1fr}.tbf-topbar-note{display:none}
}
@media(max-width:700px){
  .tbf-speed-section::before{font-size:150px;right:-25px}.tbf-speed-step{padding:18px}.tbf-trust-note{display:block!important;padding:10px 4px!important}.tbf-review-admin-note{font-size:11px}
}

/* v7 polish */
.tbf-btn span,.tbf-apply-btn span{position:relative;z-index:1;display:inline-flex;align-items:center;gap:8px;transition:transform .18s ease,letter-spacing .18s ease}
.tbf-btn:hover span,.tbf-apply-btn:hover span{transform:translateX(2px)}
.tbf-btn:active,.tbf-apply-btn:active{transform:translateY(0) scale(.985)}
.tbf-actions .tbf-btn-primary{min-width:250px;justify-content:center}
.tbf-home-copy p,.tbf-lede,.tbf-card p,.tbf-process p,.tbf-faq-answer p,.tbf-post-content p,.tbf-post-content li{line-height:1.75}
.tbf-blog-card h3 a{color:var(--ink);transition:color .24s ease}
.tbf-blog-card:hover h3 a{color:var(--blue)}
.tbf-blog-image{position:relative}
.tbf-blog-image::after{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(7,26,51,.18),rgba(7,26,51,.05) 48%,transparent 100%);pointer-events:none;opacity:.92;transition:opacity .28s ease}
.tbf-blog-card:hover .tbf-blog-image::after{opacity:1}
.tbf-testimonial.is-active{transform:translateY(-4px);border-color:rgba(240,207,129,.42);box-shadow:0 24px 54px rgba(0,0,0,.16),0 0 0 1px rgba(240,207,129,.08) inset}
.tbf-floating-card{backdrop-filter:blur(14px)}
.tbf-carousel-dot{transition:transform .2s ease,background .2s ease,opacity .2s ease}
.tbf-carousel-dot.is-active{transform:scale(1.12)}
@media(max-width:700px){.tbf-actions .tbf-btn-primary{min-width:unset}}

/* trust, authority, and lead-conversion support */
.tbf-trust-center-section{background:linear-gradient(180deg,#fff 0%,#f6f9fd 100%)}
.tbf-trust-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:28px}
.tbf-trust-card{position:relative;overflow:hidden;border:1px solid #dce6f2;border-radius:20px;background:#fff;padding:26px;box-shadow:0 12px 34px rgba(7,26,51,.055);transition:transform .28s var(--ease),box-shadow .28s var(--ease),border-color .28s ease}
.tbf-trust-card::before{content:"";position:absolute;inset:0 auto auto 0;width:100%;height:3px;background:linear-gradient(90deg,var(--blue),var(--gold));transform:scaleX(.34);transform-origin:left;transition:transform .3s var(--ease)}
.tbf-trust-card:hover{transform:translateY(-5px);border-color:#bdd0e6;box-shadow:0 22px 52px rgba(7,26,51,.10)}
.tbf-trust-card:hover::before{transform:scaleX(1)}
.tbf-trust-card>span{display:inline-flex;width:38px;height:38px;border-radius:12px;align-items:center;justify-content:center;background:#eaf3ff;color:#0c5ebf;font-weight:900;font-size:12px;margin-bottom:18px}
.tbf-trust-card h3{margin:0 0 9px;font-size:20px}.tbf-trust-card p{margin:0;color:var(--muted)}.tbf-trust-card a{display:inline-block;margin-top:18px;font-weight:800;text-decoration:none;color:var(--blue)}
.tbf-trust-questions{margin:0;padding-left:22px}.tbf-trust-questions li{margin:13px 0;color:var(--ink);font-weight:700}.tbf-trust-questions li::marker{color:var(--gold)}
.tbf-review-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:14px}.tbf-verified-badge{display:inline-flex;align-items:center;gap:6px;border:1px solid rgba(240,207,129,.34);background:rgba(240,207,129,.08);color:#f4d98f;border-radius:999px;padding:6px 9px;font-size:10px;font-weight:850;letter-spacing:.04em;text-transform:uppercase}.tbf-verified-badge::before{content:"✓";font-size:11px}.tbf-reviewer small{display:block;color:#8fa5bd;font-size:10px;margin-top:4px}
.tbf-footer-contact{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:18px}.tbf-footer-contact a{margin:0!important;color:#fff!important;font-weight:750!important}.tbf-footer-address{margin:16px 0 0;color:#c5d3e2;font-style:normal;font-size:13px;line-height:1.55}.tbf-footer-address span{color:#fff;font-weight:800}
.tbf-comparison-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:20px;background:#fff;box-shadow:0 16px 40px rgba(7,26,51,.07)}
.tbf-comparison-table{border-collapse:collapse;width:100%;min-width:980px}.tbf-comparison-table th,.tbf-comparison-table td{text-align:left;vertical-align:top;padding:18px;border-bottom:1px solid var(--line);font-size:14px;line-height:1.6}.tbf-comparison-table th{background:#071a33;color:#fff;font-size:12px;letter-spacing:.035em;text-transform:uppercase}.tbf-comparison-table tbody tr{transition:background .2s ease}.tbf-comparison-table tbody tr:hover{background:#f7faff}.tbf-comparison-table tr:last-child td{border-bottom:0}.tbf-comparison-table a{text-decoration:none;color:var(--blue)}
.tbf-glossary-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.tbf-glossary-card{border:1px solid var(--line);border-radius:18px;background:#fff;padding:24px;box-shadow:0 10px 28px rgba(7,26,51,.045);transition:transform .25s var(--ease),box-shadow .25s ease,border-color .25s ease}.tbf-glossary-card:hover{transform:translateY(-3px);border-color:#bfd0e4;box-shadow:0 18px 40px rgba(7,26,51,.09)}.tbf-glossary-card h2{font-size:20px;margin:0 0 8px}.tbf-glossary-card p{margin:0;color:var(--muted);line-height:1.7}
.tbf-editorial-note a{font-weight:800}
@media(max-width:1020px){.tbf-trust-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:700px){.tbf-trust-grid,.tbf-glossary-grid{grid-template-columns:1fr}.tbf-review-top{align-items:flex-start;flex-direction:column}.tbf-trust-card{padding:22px}}
.tbf-review-label{display:inline-flex;border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:6px 9px;color:#c8d6e6;font-size:10px;font-weight:800;letter-spacing:.04em;text-transform:uppercase}
.tbf-public-contact a{font-weight:800;text-decoration:none;color:var(--blue)}

/* v12 conversion architecture */
.tbf-hero-broker-note{max-width:720px;margin:15px 0 0;color:#b9c9da;font-size:12px;line-height:1.6}
.tbf-match-section{padding-top:48px;padding-bottom:48px;background:linear-gradient(180deg,#f6f9fd 0%,#eef4fb 100%)}
.tbf-match-shell{position:relative;overflow:hidden;border:1px solid #c9d8e8;border-radius:24px;background:#fff;box-shadow:0 24px 70px rgba(7,26,51,.10);padding:34px;display:grid;grid-template-columns:.9fr 1.1fr;gap:34px;align-items:start}
.tbf-match-shell::before{content:"";position:absolute;right:-120px;top:-160px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(23,105,224,.13),transparent 68%);pointer-events:none}
.tbf-match-intro{position:relative;z-index:1;padding:8px 8px 8px 2px}.tbf-match-intro h2{font-size:clamp(30px,3.5vw,46px);line-height:1.08;margin:10px 0 16px}.tbf-match-intro p{color:var(--muted);max-width:610px}
.tbf-match-points{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}.tbf-match-points span{border:1px solid #d4dfeb;background:#f7faff;border-radius:999px;padding:8px 11px;font-size:11px;font-weight:800;color:#35506f}
.tbf-match-form{position:relative;z-index:1;border:1px solid #dbe4ee;border-radius:18px;background:#fbfdff;padding:22px;display:grid;grid-template-columns:1fr 1fr;gap:15px}
.tbf-match-field{display:flex;flex-direction:column;gap:7px}.tbf-match-field label{font-size:12px;font-weight:850;color:#273e59;line-height:1.4}.tbf-match-field select{width:100%;font:inherit;border:1px solid #cbd8e6;border-radius:11px;background:#fff;padding:13px 38px 13px 13px;color:var(--ink);outline:none;transition:border-color .2s ease,box-shadow .2s ease,transform .2s ease}.tbf-match-field select:focus{border-color:#1769e0;box-shadow:0 0 0 4px rgba(23,105,224,.10)}
.tbf-match-submit{grid-column:1/-1;margin-top:2px}.tbf-match-disclaimer{grid-column:1/-1;margin:0;color:#718197;font-size:11px;line-height:1.55}
.tbf-match-result{grid-column:1/-1;border-top:1px solid #dde6f0;margin-top:0;padding-top:28px;display:grid;grid-template-columns:1fr 1fr;gap:24px;opacity:0;transform:translateY(14px);transition:opacity .45s var(--ease),transform .45s var(--ease)}
.tbf-match-result[hidden]{display:none}.tbf-match-result.is-visible{opacity:1;transform:none}.tbf-match-result-copy h3{font-size:28px;line-height:1.15;margin:8px 0 10px}.tbf-match-result-copy p{color:var(--muted);margin:0}
.tbf-match-links{display:grid;gap:10px}.tbf-match-path{display:flex;align-items:center;justify-content:space-between;gap:14px;border:1px solid #d2deea;border-radius:13px;background:#fff;padding:15px 16px;text-decoration:none;font-weight:850;color:#0c4e9e;box-shadow:0 7px 20px rgba(7,26,51,.04);transition:transform .22s var(--ease),border-color .22s ease,box-shadow .22s ease}.tbf-match-path:hover{transform:translateY(-2px);border-color:#84afe4;box-shadow:0 13px 30px rgba(23,105,224,.12)}.tbf-match-path strong{font-size:18px;transition:transform .2s ease}.tbf-match-path:hover strong{transform:translateX(4px)}
.tbf-match-result-actions{grid-column:1/-1;display:flex;align-items:center;gap:18px;flex-wrap:wrap}.tbf-match-result>.tbf-match-disclaimer{grid-column:1/-1}
.tbf-broker-section{background:#fff}.tbf-broker-grid .tbf-card{min-height:100%}.tbf-broker-grid .tbf-card h3{font-size:23px}
.tbf-apply-steps{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}.tbf-apply-steps span{display:inline-flex;align-items:center;gap:8px;border:1px solid #d9e2ec;border-radius:999px;padding:8px 11px;background:#f8fbff;color:#415a74;font-size:11px;font-weight:800}.tbf-apply-steps b{display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:#1769e0;color:#fff;font-size:10px}.tbf-apply-panel{position:sticky;top:118px}.tbf-match-prefill{border-left:4px solid #1769e0;background:#edf5ff;color:#164b86}
.tbf-mobile-cta{display:none}

@media(max-width:1020px){.tbf-match-shell{grid-template-columns:1fr}.tbf-match-intro{max-width:760px}.tbf-apply-panel{position:static}}
@media(max-width:700px){
  .tbf-match-section{padding:34px 0}.tbf-match-shell{padding:22px;border-radius:19px;gap:22px}.tbf-match-form{grid-template-columns:1fr;padding:18px}.tbf-match-submit,.tbf-match-disclaimer{grid-column:auto}.tbf-match-result{grid-template-columns:1fr}.tbf-match-result-actions,.tbf-match-result>.tbf-match-disclaimer{grid-column:auto}.tbf-match-result-actions{align-items:stretch;flex-direction:column}.tbf-match-result-actions .tbf-btn{width:100%}.tbf-match-points{display:grid;grid-template-columns:1fr 1fr}.tbf-match-points span:last-child{grid-column:1/-1}
  .tbf-mobile-cta{position:fixed;z-index:80;left:10px;right:10px;bottom:max(10px,env(safe-area-inset-bottom));display:grid;grid-template-columns:.9fr 1.1fr;gap:8px;padding:8px;background:rgba(4,20,39,.94);border:1px solid rgba(255,255,255,.13);border-radius:16px;box-shadow:0 18px 45px rgba(0,0,0,.28);backdrop-filter:blur(16px)}.tbf-mobile-cta a{display:flex;align-items:center;justify-content:center;min-height:44px;border-radius:10px;text-decoration:none;font-size:12px;font-weight:900}.tbf-mobile-cta a:first-child{color:#dbe8f6;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.06)}.tbf-mobile-cta a:last-child{color:#fff;background:linear-gradient(135deg,#2180ff,#0e54bd);box-shadow:0 8px 22px rgba(23,105,224,.26)}body.tbf-native{padding-bottom:78px}
}
@media(prefers-reduced-motion:reduce){.tbf-match-result{transition:none}.tbf-match-path{transition:none}}

/* v13 review details */
.tbf-review-use{margin:0 0 22px;padding:11px 13px;border:1px solid rgba(240,207,129,.18);border-radius:12px;background:rgba(240,207,129,.055);color:#c8d5e4;font-size:12px;line-height:1.55}
.tbf-review-use strong{color:#f1d486;font-weight:800}

/* v14 — centered inquiry confirmation */
.tbf-success-page{text-align:center}
.tbf-success-hero{padding:94px 0 88px}
.tbf-success-shell{width:min(820px,100%);margin:0 auto;display:flex;flex-direction:column;align-items:center;text-align:center}
.tbf-success-shell .tbf-eyebrow{text-align:center}
.tbf-success-shell h1{max-width:none;margin:14px auto 18px;text-align:center}
.tbf-success-lede{max-width:720px!important;margin:0 auto!important;text-align:center;font-size:20px!important;line-height:1.7}
.tbf-success-note{max-width:650px!important;margin:14px auto 0!important;text-align:center;font-size:13px!important;color:#afc1d3!important}
.tbf-success-actions{justify-content:center;margin-top:30px}
.tbf-success-actions .tbf-btn{min-width:190px;justify-content:center}
.tbf-success-next{background:#f7f9fc;padding-top:72px;padding-bottom:78px}
.tbf-success-next .tbf-section-intro{margin-bottom:34px}
.tbf-success-next .tbf-section-intro h2{margin-left:auto;margin-right:auto;text-align:center}
.tbf-success-next .tbf-section-intro p{max-width:720px;margin-left:auto;margin-right:auto;text-align:center}
.tbf-success-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;max-width:1040px;margin:0 auto}
.tbf-success-step{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px 24px;text-align:center;box-shadow:0 10px 30px rgba(7,26,51,.05);transition:transform .28s var(--ease),box-shadow .28s var(--ease),border-color .28s ease}
.tbf-success-step:hover{transform:translateY(-4px);border-color:#b8c9dc;box-shadow:0 18px 42px rgba(7,26,51,.09)}
.tbf-success-step>span{display:grid;place-items:center;width:42px;height:42px;margin:0 auto 16px;border-radius:50%;background:#eaf3ff;color:#1769e0;font-size:12px;font-weight:900;letter-spacing:.08em}
.tbf-success-step h3{margin:0 0 9px;font-size:20px}
.tbf-success-step p{margin:0;color:var(--muted);line-height:1.7}
@media(max-width:820px){.tbf-success-steps{grid-template-columns:1fr;max-width:620px}.tbf-success-step{padding:24px 22px}}
@media(max-width:700px){.tbf-success-hero{padding:64px 0 60px}.tbf-success-lede{font-size:17px!important}.tbf-success-actions{width:100%}.tbf-success-actions .tbf-btn{width:100%}.tbf-success-next{padding-top:58px;padding-bottom:64px}}

/* v21 — product-aware conditional application routing */
.tbf-service-card{position:relative;overflow:hidden}
.tbf-service-card-apply-overlay{position:absolute;inset:0;z-index:1;border-radius:inherit;text-decoration:none}
.tbf-service-card .tbf-card-kicker,.tbf-service-card h3,.tbf-service-card>p{position:relative;z-index:2;pointer-events:none}
.tbf-service-card-actions{position:relative;z-index:3;display:flex;align-items:center;justify-content:space-between;gap:14px;margin-top:18px}
.tbf-service-apply-label{margin-top:0!important;color:var(--blue);font-weight:900;pointer-events:none}
.tbf-service-learn{position:relative;z-index:4;margin-top:0!important;padding:7px 9px;border-radius:9px;background:#f4f8fd;border:1px solid #d9e5f2;color:#415a74!important;font-size:12px;font-weight:800;text-decoration:none;pointer-events:auto;transition:background .2s ease,border-color .2s ease,color .2s ease,transform .2s ease}
.tbf-service-learn:hover{background:#eaf3ff;border-color:#9fc0e7;color:#0c5ebf!important;transform:translateY(-1px)}
.tbf-service-card:hover .tbf-service-apply-label>span{transform:translateX(5px)}
.tbf-service-card:focus-within{border-color:#9bbce3;box-shadow:0 20px 46px rgba(7,26,51,.11),0 0 0 3px rgba(23,105,224,.08)}
.tbf-product-select-field select{font-weight:800}
.tbf-product-select-field small{color:#718197;line-height:1.55}
.tbf-product-routing{margin-top:-2px}
.tbf-product-routing-empty{border:1px dashed #c9d7e6;border-radius:14px;background:#f8fbff;padding:16px;color:#667b92;font-size:12px;font-weight:750;text-align:center}
.tbf-product-branch{display:flex;align-items:center;justify-content:space-between;gap:20px;border:1px solid #cbdced;border-left:4px solid var(--blue);border-radius:15px;background:linear-gradient(135deg,#f8fbff,#eef5ff);padding:18px 19px;box-shadow:0 9px 26px rgba(23,105,224,.06);animation:tbfProductBranchIn .28s var(--ease) both}
.tbf-product-branch[hidden]{display:none!important}
.tbf-product-branch>div:first-child{min-width:0}.tbf-product-branch .tbf-card-kicker{display:block;margin-bottom:4px}.tbf-product-branch strong{display:block;color:var(--ink);font-size:17px}.tbf-product-branch p{margin:5px 0 0;color:var(--muted);font-size:12px;line-height:1.55}.tbf-product-branch>a{white-space:nowrap;flex:0 0 auto}
.tbf-product-branch-fields:empty{display:none}
@keyframes tbfProductBranchIn{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
@media(max-width:700px){.tbf-service-card-actions{align-items:flex-start;flex-direction:column}.tbf-product-branch{align-items:flex-start;flex-direction:column}.tbf-product-branch>a{white-space:normal}}
@media(prefers-reduced-motion:reduce){.tbf-product-branch{animation:none}}
.tbf-service-card-actions{pointer-events:none}.tbf-service-learn{pointer-events:auto}

/* v21 conditional funding application */
.tbf-application-stage{border-top:1px solid #e0e8f1;padding-top:24px;margin-top:24px}
.tbf-application-stage:first-of-type{border-top:0;padding-top:0;margin-top:0}
.tbf-stage-heading{display:flex;align-items:flex-start;gap:12px;margin-bottom:18px}
.tbf-stage-heading>span{display:grid;place-items:center;flex:0 0 34px;width:34px;height:34px;border-radius:50%;background:linear-gradient(135deg,var(--blue),#0e54bd);color:#fff;font-size:11px;font-weight:900;box-shadow:0 8px 22px rgba(23,105,224,.18)}
.tbf-stage-heading strong{display:block;color:var(--ink);font-size:17px;line-height:1.25}.tbf-stage-heading p{margin:4px 0 0;color:var(--muted);font-size:12px;line-height:1.5}
.tbf-product-routing-empty{border:1px dashed #b9c9da;border-radius:14px;background:#f8fbff;padding:18px;color:#60758e;font-size:13px;line-height:1.55}
.tbf-product-branch-form{display:block!important;padding:0;border:0;border-left:0;background:transparent;box-shadow:none;animation:tbfProductBranchIn .34s var(--ease) both}
.tbf-product-branch-form[hidden]{display:none!important}
.tbf-product-branch-form>fieldset{border:0;margin:0;padding:0;min-width:0}
.tbf-branch-intro{display:flex;align-items:flex-start;justify-content:space-between;gap:18px;border:1px solid #cbdced;border-left:4px solid var(--blue);border-radius:15px;background:linear-gradient(135deg,#f8fbff,#eef5ff);padding:17px 18px;margin-bottom:17px;box-shadow:0 9px 26px rgba(23,105,224,.06)}
.tbf-branch-intro strong{display:block;color:var(--ink);font-size:17px;line-height:1.3}.tbf-branch-intro p{margin:5px 0 0;color:var(--muted);font-size:12px;line-height:1.55}
.tbf-branch-grid{margin-top:0}
.tbf-branch-grid .tbf-field select,.tbf-asset-detail .tbf-field input,.tbf-asset-detail .tbf-field select{background:#fff}
.tbf-asset-detail-stack{display:grid;gap:13px;margin-top:15px}
.tbf-asset-detail{border:1px solid #d5e0eb;border-radius:14px;background:#fbfdff;padding:16px;margin:0;min-width:0}
.tbf-asset-detail[hidden]{display:none!important}
.tbf-asset-detail legend{padding:0 8px;color:#1769e0;font-size:11px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}
.tbf-combination-note{border-radius:12px;background:#fff7df;border:1px solid #edd89b;color:#684f14;padding:12px 14px;font-size:12px;line-height:1.55}
.tbf-combination-note[hidden]{display:none!important}
.tbf-asset-liens-row{margin-top:15px}
.tbf-product-help-branch .tbf-branch-intro{border-left-color:var(--gold);background:linear-gradient(135deg,#fffdf7,#fff8e8)}
.tbf-product-select-field select{background-image:linear-gradient(135deg,#fff,#f7fbff)}
@media(max-width:700px){.tbf-stage-heading{gap:10px}.tbf-stage-heading>span{width:31px;height:31px;flex-basis:31px}.tbf-branch-intro{padding:15px}.tbf-asset-detail{padding:14px}}

/* v23 — crawlability, authority and human sitemap enhancements */
.tbf-authority-strip{background:#f8fbff;border-top:1px solid #e0e9f2;border-bottom:1px solid #e0e9f2}
.tbf-authority-inner{min-height:58px;display:flex;align-items:center;justify-content:center;gap:18px;flex-wrap:wrap;padding:12px 0;color:#5d7188;font-size:12px;line-height:1.5;text-align:center}
.tbf-authority-inner strong{color:var(--ink)}
.tbf-authority-inner a{color:var(--blue);font-weight:850;text-decoration:none;border-bottom:1px solid rgba(23,105,224,.25)}
.tbf-authority-inner a:hover{border-color:var(--blue)}
.tbf-sitemap-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px}
.tbf-sitemap-group{border:1px solid var(--line);border-radius:20px;background:#fff;padding:27px;box-shadow:0 10px 30px rgba(7,26,51,.045)}
.tbf-sitemap-group h2{margin:0 0 18px;font-size:23px}
.tbf-sitemap-group>a{display:block;padding:12px 0;border-top:1px solid #edf1f5;color:var(--ink);text-decoration:none;transition:transform .2s var(--ease),color .2s ease}
.tbf-sitemap-group>a:first-of-type{border-top:0;padding-top:0}
.tbf-sitemap-group>a:hover{color:var(--blue);transform:translateX(3px)}
.tbf-sitemap-group a strong{display:block;font-size:14px}
.tbf-sitemap-group a span{display:block;color:var(--muted);font-size:12px;line-height:1.55;margin-top:3px;font-weight:500}
.tbf-sitemap-articles{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.tbf-sitemap-articles a{display:block;border:1px solid var(--line);border-radius:14px;background:#fff;padding:15px 16px;color:var(--ink);font-weight:800;text-decoration:none;line-height:1.45;transition:border-color .2s ease,transform .2s var(--ease),box-shadow .2s ease}
.tbf-sitemap-articles a:hover{border-color:#a9c5e5;transform:translateY(-2px);box-shadow:0 10px 24px rgba(7,26,51,.06)}
@media(max-width:760px){.tbf-sitemap-grid,.tbf-sitemap-articles{grid-template-columns:1fr}.tbf-authority-inner{gap:10px 15px}}


/* v32 — responsive hardening: mobile, tablet, desktop */
html{-webkit-text-size-adjust:100%;text-size-adjust:100%}
main,section,.tbf-wrap,.tbf-grid,.tbf-split,.tbf-panel,.tbf-card,.tbf-form,.tbf-field,
.tbf-match-shell,.tbf-match-form,.tbf-match-result,.tbf-product-branch,.tbf-product-branch-form,
.tbf-branch-intro,.tbf-asset-detail,.tbf-footer-grid,.tbf-footer-grid>div{min-width:0}
.tbf-field input,.tbf-field select,.tbf-field textarea,.tbf-match-field select{min-width:0;max-width:100%}
.tbf-footer-contact,.tbf-footer-contact a,.tbf-footer-address,.tbf-public-contact,
.tbf-public-contact a,.tbf-legal a,.tbf-post-content a{overflow-wrap:anywhere;word-break:break-word}
.tbf-card p,.tbf-panel p,.tbf-process p,.tbf-lede,.tbf-match-result-copy p,
.tbf-product-branch p,.tbf-branch-intro p,.tbf-faq-answer p{overflow-wrap:break-word}
.tbf-comparison-wrap{max-width:100%;-webkit-overflow-scrolling:touch;overscroll-behavior-inline:contain}
.tbf-post-content img,.tbf-article img,.tbf-legal img{max-width:100%;height:auto}
.tbf-post-content pre,.tbf-article pre,.tbf-legal pre{max-width:100%;overflow:auto;-webkit-overflow-scrolling:touch}
.tbf-match-path span{min-width:0;overflow-wrap:break-word}
.tbf-testimonial blockquote{overflow-wrap:break-word}

/* Keep the collapsed navigation usable on short phones/tablets. */
@media(max-width:1020px){
  .tbf-links{
    max-height:calc(100dvh - 96px);
    overflow-y:auto;
    overscroll-behavior:contain;
    -webkit-overflow-scrolling:touch;
  }
}

/* Tablet: prevent long form/control copy from squeezing grid tracks. */
@media(max-width:820px){
  .tbf-panel{max-width:100%}
  .tbf-apply-panel{width:100%}
  .tbf-branch-intro{max-width:100%}
}

/* Phones: simplify dense areas and protect against accidental horizontal overflow. */
@media(max-width:700px){
  .tbf-wrap{max-width:100%}
  .tbf-form,.tbf-match-form,.tbf-match-result{min-width:0}
  .tbf-field,.tbf-field.full{min-width:0;max-width:100%}
  .tbf-field input,.tbf-field select,.tbf-field textarea{
    width:100%;
    max-width:100%;
  }
  .tbf-mobile-cta{
    left:max(10px,env(safe-area-inset-left));
    right:max(10px,env(safe-area-inset-right));
    bottom:max(10px,env(safe-area-inset-bottom));
  }
  .tbf-comparison-wrap{border-radius:16px}
  .tbf-comparison-table th,.tbf-comparison-table td{padding:15px}
  .tbf-faq summary{gap:12px}
}

/* Small phones: remove fragile hero overlays and turn them into a clean stacked layout. */
@media(max-width:560px){
  .tbf-home-visual{
    min-height:0;
    display:grid;
    grid-template-columns:1fr;
    gap:10px;
    margin-top:8px;
  }
  .tbf-home-visual::after,.tbf-hero-glow{display:none}
  .tbf-home-visual>img{
    position:relative;
    inset:auto;
    width:100%;
    height:auto;
    aspect-ratio:16/10;
    object-fit:cover;
    border-radius:18px;
    animation:none;
  }
  .tbf-floating-card,
  .tbf-floating-one,
  .tbf-floating-two,
  .tbf-floating-three{
    position:relative;
    inset:auto;
    left:auto;
    right:auto;
    top:auto;
    bottom:auto;
    width:100%;
    max-width:none;
    transform:none;
  }
  .tbf-floating-card:hover{transform:none}
  .tbf-apply-steps{
    display:grid;
    grid-template-columns:1fr;
    align-items:stretch;
  }
  .tbf-apply-steps span{width:100%}
}

/* Very narrow devices. */
@media(max-width:420px){
  .tbf-match-points{grid-template-columns:1fr}
  .tbf-match-points span:last-child{grid-column:auto}
  .tbf-home-copy h1{font-size:clamp(38px,12vw,48px)}
  .tbf-hero h1{font-size:38px}
  .tbf-section h2{font-size:30px}
  .tbf-card,.tbf-panel{padding:20px}
  .tbf-match-shell{padding:18px}
  .tbf-match-form{padding:16px}
  .tbf-cta{padding:24px}
  .tbf-mobile-cta{grid-template-columns:1fr 1fr}
  .tbf-mobile-cta a{font-size:11px;padding:0 8px}
}


/* v33 — trust, consent, and secure-document handoff */
.tbf-public-identity{margin:14px 0 10px;color:#d9e6f4;font-size:13px;line-height:1.55}
.tbf-public-identity strong{color:#fff}
.tbf-public-identity a{display:inline!important;margin-left:6px;color:#9fd0ff!important;text-decoration:underline;text-underline-offset:3px}
.tbf-footer-address small{font-style:normal;color:#a9bbcf}

.tbf-role-disclosure{background:#eef5ff;border-top:1px solid #d8e7fb;border-bottom:1px solid #d8e7fb}
.tbf-role-disclosure-inner{display:grid;grid-template-columns:minmax(0,.82fr) minmax(0,1.18fr);gap:32px;align-items:center;padding:26px 0}
.tbf-role-disclosure-inner>div>span{display:block;color:#1769e0;font-size:11px;font-weight:900;letter-spacing:.16em;margin-bottom:7px}
.tbf-role-disclosure-inner h2{font-size:23px;margin:0;line-height:1.25}
.tbf-role-disclosure-inner p{margin:0;color:#42566e;line-height:1.72}

.tbf-consent-box{margin-top:6px;padding:18px 18px 16px;border:1px solid #d6e1ec;border-radius:16px;background:#f8fafc}
.tbf-check-row{display:grid!important;grid-template-columns:20px minmax(0,1fr);gap:11px;align-items:start;margin:0 0 13px!important;font-weight:600!important;color:#24374d!important;line-height:1.5}
.tbf-check-row:last-of-type{margin-bottom:0!important}
.tbf-check-row input[type="checkbox"]{width:18px!important;height:18px!important;min-width:18px!important;margin:2px 0 0!important;accent-color:#1769e0}
.tbf-check-row a{text-decoration:underline;text-underline-offset:2px}
.tbf-credit-auth-note{margin:15px 0 0;padding-top:14px;border-top:1px solid #dbe5ef;color:#53677d;font-size:12px;line-height:1.6}

.tbf-secure-handoff{width:min(720px,100%);margin:24px auto 0;padding:22px;border:1px solid rgba(23,105,224,.22);border-radius:18px;background:#f4f8ff;text-align:left}
.tbf-secure-handoff>strong{display:block;color:#071a33;font-size:16px;margin-bottom:7px}
.tbf-secure-handoff p{margin:0 0 16px;color:#52667b;line-height:1.65;font-size:14px}
.tbf-secure-handoff .tbf-btn{display:inline-flex}
.tbf-secure-pending{display:inline-flex;padding:10px 13px;border-radius:999px;background:#e7eef7;color:#31485f;font-size:12px;font-weight:800}

@media(max-width:820px){
  .tbf-role-disclosure-inner{grid-template-columns:1fr;gap:12px;padding:22px 0}
}
@media(max-width:560px){
  .tbf-consent-box{padding:16px 14px}
  .tbf-check-row{grid-template-columns:19px minmax(0,1fr);font-size:13px!important}
  .tbf-secure-handoff{padding:18px}
  .tbf-secure-handoff .tbf-btn{width:100%;justify-content:center}
}


/* v37 — consent, privacy, and secure-document UX */
.tbf-consent-heading{padding-bottom:14px;border-bottom:1px solid rgba(255,255,255,.12);margin-bottom:14px}
.tbf-consent-heading strong{display:block;font-size:17px}
.tbf-consent-heading p{margin:6px 0 0;opacity:.78}
.tbf-consent-group{display:grid;gap:10px;margin-top:14px}
.tbf-consent-label{display:inline-flex;width:max-content;font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;opacity:.7}
.tbf-consent-optional{padding-top:14px;border-top:1px solid rgba(255,255,255,.1)}
.tbf-operational-contact-note{margin:14px 0 0;font-size:13px;line-height:1.6;opacity:.76}
.tbf-application-reference{display:grid;gap:4px;margin:18px 0;padding:16px 18px;border:1px solid rgba(255,255,255,.14);border-radius:16px;background:rgba(255,255,255,.04)}
.tbf-application-reference span{font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;opacity:.7}
.tbf-application-reference strong{font-size:20px;letter-spacing:.04em}
.tbf-application-reference small{opacity:.72}
.tbf-secure-doc-grid{align-items:stretch}
.tbf-secure-portal-card{display:flex;align-items:center;justify-content:space-between;gap:24px;margin-top:24px;padding:26px;border:1px solid rgba(255,255,255,.14);border-radius:22px;background:linear-gradient(135deg,rgba(23,105,224,.12),rgba(255,255,255,.03))}
.tbf-secure-portal-card>div{max-width:760px}
.tbf-privacy-flow{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:18px 0 28px}
.tbf-privacy-flow>div{padding:18px;border:1px solid rgba(255,255,255,.12);border-radius:16px;background:rgba(255,255,255,.035)}
.tbf-privacy-flow span{display:block;font-size:11px;font-weight:800;letter-spacing:.12em;opacity:.6;margin-bottom:6px}
.tbf-privacy-flow strong{display:block;margin-bottom:6px}
.tbf-privacy-flow p{margin:0;opacity:.78}
@media(max-width:760px){
  .tbf-secure-portal-card{align-items:stretch;flex-direction:column}
  .tbf-secure-portal-card .tbf-btn{width:100%;justify-content:center}
  .tbf-privacy-flow{grid-template-columns:1fr}
}


/* v38 — configurable social media icons */
.tbf-sr-only{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0,0,0,0)!important;white-space:nowrap!important;border:0!important}
.tbf-social-icons{display:flex;align-items:center;gap:8px}
.tbf-social-link{
  width:34px;height:34px;border-radius:999px;display:inline-flex;align-items:center;justify-content:center;
  border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.045);
  color:inherit;transition:transform .2s ease,border-color .2s ease,background .2s ease,box-shadow .2s ease;
}
.tbf-social-link svg{width:16px;height:16px;fill:currentColor}
.tbf-social-link:hover,.tbf-social-link:focus-visible{
  transform:translateY(-2px);border-color:rgba(81,151,255,.65);background:rgba(23,105,224,.14);
  box-shadow:0 8px 24px rgba(23,105,224,.18);outline:none;
}
.tbf-social-icons-header{margin-left:4px;margin-right:2px;flex:0 0 auto}
.tbf-social-icons-footer{margin-top:18px}
.tbf-footer-brand .tbf-social-link{width:38px;height:38px}
.tbf-footer-brand .tbf-social-link svg{width:18px;height:18px}

@media(max-width:1020px){
  .tbf-social-icons-header{
    width:100%;margin:8px 0 4px;padding-top:12px;border-top:1px solid rgba(255,255,255,.08);
  }
  .tbf-social-icons-header .tbf-social-link{width:38px;height:38px}
}


/* v40 — premium homepage messaging */
.tbf-home-positioning{padding-bottom:38px}
.tbf-home-positioning-note{max-width:820px;margin:18px auto 0;text-align:center;font-weight:750;color:var(--navy)}
.tbf-broker-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
.tbf-clarity-intro{margin:22px 0 0;font-weight:800;color:#fff}
.tbf-clarity-points{justify-content:center;max-width:980px;margin:20px auto 0}
.tbf-home-process-steps .tbf-speed-step{align-items:flex-start}

@media(max-width:1100px){
  .tbf-broker-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:700px){
  .tbf-broker-grid{grid-template-columns:1fr}
  .tbf-home-positioning{padding-bottom:24px}
}


/* v41 — strategic speed messaging */
.tbf-home-speed-note{
  margin:16px 0 0;
  max-width:760px;
  padding:12px 14px;
  border-left:3px solid var(--blue);
  background:rgba(23,105,224,.07);
  border-radius:10px;
  color:var(--charcoal);
  line-height:1.55;
}
.tbf-home-speed-note strong{color:var(--navy)}
.tbf-home-speed-callout{
  max-width:860px;
  margin:18px auto 0;
  padding:16px 18px;
  border:1px solid rgba(23,105,224,.16);
  border-radius:14px;
  background:rgba(23,105,224,.045);
  text-align:center;
  line-height:1.6;
}
.tbf-home-speed-callout strong{color:var(--navy)}
@media(max-width:700px){
  .tbf-home-speed-note{font-size:14px}
  .tbf-home-speed-callout{text-align:left}
}