/* YPN service page, concept v3 (2026-10-02).
   Direction: cinematic editorial. Navy + cream surfaces, Besley at display scale,
   art-directed still lifes (GPT Image 2.5) for abstract ideas, real photos for people.
   References: Wealthsimple Benefits (Refero 0ef4e87d), Wealthsimple Self-directed (9159fd15),
   Mercury home (349a65db), Sequel / Titan / Munro Partners styles. Scoped to .sv3. */

.sv3{
  --navy:#001f3d; --navy-2:#062b4e; --navy-3:#0b3560; --ink:#0d1b2a;
  --orange:#e87a00; --amber:#a85700; --cream:#f5efe4; --cream-2:#ece3d3; --paper:#fbf8f2;
  --muted:#5f6670; --line:rgba(0,31,61,.14); --line-light:rgba(255,255,255,.16);
  --serif:Besley,Georgia,serif; --sans:"Muoto VAR",MuotoWeb,"Helvetica Neue",Helvetica,Arial,sans-serif;
  --wrap:var(--ypn-content-max); --ease:cubic-bezier(.2,.7,.1,1);
  color:var(--ink); font-family:var(--sans); overflow-x:clip;
}
.sv3 *,.sv3 *::before,.sv3 *::after{box-sizing:border-box}
.sv3 :where(h1,h2,h3,p,ul,ol,dl,dd,figure,blockquote){margin:0;padding:0}
.sv3 :where(ul,ol){list-style:none}
.sv3 img{display:block;max-width:100%}
.sv3 [hidden]{display:none!important}
.sv3-wrap{width:min(var(--wrap),calc(100% - 2 * var(--ypn-page-gutter)));margin-inline:auto}
.sv3-section{padding-block:clamp(88px,10vw,148px);position:relative}
.sv3-cream{background:var(--cream)}
/* two sections on the same background read as one: keep a single gap between them (hidden sections in between are skipped) */
.sv3-cream:not([hidden])+.sv3-cream,.sv3-cream:not([hidden])+[hidden]+.sv3-cream,.sv3-white:not([hidden])+.sv3-white,.sv3-white:not([hidden])+[hidden]+.sv3-white,.sv3-paper:not([hidden])+.sv3-paper{padding-top:0}
.sv3-paper{background:var(--paper)}
.sv3-white{background:#fff}
.sv3-navy{background:var(--navy);color:#fff}

/* type */
.sv3-eyebrow{font:600 12px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--amber);display:flex;align-items:center;gap:12px;margin-bottom:22px}
.sv3-eyebrow::before{content:"";width:28px;height:1px;background:currentColor}
.sv3-eyebrow--light{color:var(--orange)}
.sv3-h2{font:400 clamp(40px,5vw,72px)/1.02 var(--serif);letter-spacing:-.025em;color:var(--navy);text-wrap:balance;max-width:16ch}
.sv3-h2 em{font-style:normal;color:var(--orange)}
.sv3-h2--light{color:#fff}
.sv3-head-row{display:flex;justify-content:space-between;align-items:flex-end;gap:32px;margin-bottom:clamp(48px,6vw,80px)}
.sv3-head-note{max-width:26ch;color:rgba(255,255,255,.62);font-size:17px;line-height:1.5}

/* buttons */
.sv3-btn{display:inline-flex;align-items:center;gap:10px;height:56px;padding:0 28px;border-radius:999px;font:600 16px/1 var(--sans);text-decoration:none;transition:transform .35s var(--ease),background .25s,color .25s,border-color .25s}
.sv3-btn svg{width:18px;height:18px;transition:transform .35s var(--ease)}
.sv3-btn:hover svg{transform:translateX(4px)}
.sv3-btn--orange{background:var(--orange);color:var(--navy)}
.sv3-btn--orange:hover{background:#fff;color:var(--navy)}
.sv3-btn--ghost{color:#fff;border:1px solid rgba(255,255,255,.4)}
.sv3-btn--ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.sv3-btn--line{height:48px;color:var(--navy);border:1px solid var(--navy)}
.sv3-btn--line:hover{background:var(--navy);color:#fff}
.sv3 a:focus-visible{outline:2px solid var(--orange);outline-offset:4px}

/* 1 hero */
/* Hero surfaces use the same outer edges as the site's content and navigation. */
#main-content.sv3>:is(.sv3-hero,.ab3-hero,.au3-hero,.ct3-hero){width:min(var(--wrap),calc(100% - 2 * var(--ypn-page-gutter)));margin-inline:auto;border-radius:28px;overflow:hidden}
.sv3-hero{background:var(--navy);color:#fff;display:grid;grid-template-columns:minmax(0,54fr) minmax(0,46fr);min-height:min(900px,calc(100svh - 72px));position:relative;isolation:isolate}
.sv3-hero::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(60% 70% at 18% 100%,rgba(232,122,0,.16),transparent 60%),radial-gradient(50% 60% at 0% 0%,rgba(255,255,255,.06),transparent 70%)}
.sv3-hero-copy{padding:clamp(56px,7vw,104px) clamp(32px,4vw,48px) clamp(40px,4vw,56px);display:flex;flex-direction:column}
.sv3-kicker{display:flex;align-items:center;gap:14px;font:600 12px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,.7)}
.sv3-kicker span:first-child{color:var(--orange)}
.sv3-kicker-rule{width:40px;height:1px;background:rgba(255,255,255,.35)}
.sv3-display{font:400 clamp(50px,6vw,92px)/.97 var(--serif);letter-spacing:-.035em;margin:clamp(28px,4vw,48px) 0 28px;text-wrap:balance;max-width:11.5ch}
.sv3-swash{white-space:nowrap;color:var(--orange);background:linear-gradient(var(--orange),var(--orange)) 0 90%/0 .06em no-repeat;padding-bottom:.04em;animation:sv3-draw 1.1s .5s var(--ease) forwards}
@keyframes sv3-draw{to{background-size:100% .06em}}
.sv3-hero-lede{max-width:54ch;font-size:clamp(16px,1.25vw,18px);line-height:1.6;color:rgba(255,255,255,.74)}
.sv3-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:36px}
.sv3-hero-facts{display:grid;grid-template-columns:repeat(3,minmax(min-content,max-content));justify-content:start;gap:0 36px;margin-top:auto;padding-top:56px}
.sv3-hero-facts>div{padding:20px 0 0;border-top:1px solid var(--line-light)}
.sv3-hero-facts dt{font:600 11px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.55);margin-bottom:12px}
.sv3-hero-facts dd{display:flex;flex-wrap:wrap;align-items:baseline;gap:4px 8px}
.sv3-num{font:400 clamp(30px,2.8vw,42px)/1 var(--serif);letter-spacing:-.02em;overflow-wrap:normal;word-break:normal}
.sv3-hero-facts small{font-size:14px;color:rgba(255,255,255,.62);overflow-wrap:normal;word-break:normal}
.sv3-hero-media{position:relative;min-height:100%;overflow:hidden}
.sv3-hero-media>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 40%;transform:scale(1.06);animation:sv3-settle 1.8s var(--ease) forwards}
@keyframes sv3-settle{to{transform:scale(1)}}
.sv3-hero-media::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--navy) 0,rgba(0,31,61,0) 22%),linear-gradient(0deg,rgba(0,31,61,.45),transparent 40%);pointer-events:none}
.sv3-report-card{position:absolute;left:clamp(20px,3vw,40px);bottom:clamp(24px,4vw,48px);z-index:2;width:min(300px,70%);background:rgba(251,248,242,.94);backdrop-filter:blur(14px);color:var(--navy);border-radius:20px;padding:20px 22px 18px;box-shadow:0 30px 60px -20px rgba(0,0,0,.5);opacity:0;transform:translateY(20px);animation:sv3-rise .9s 1s var(--ease) forwards}
@keyframes sv3-rise{to{opacity:1;transform:none}}
.sv3-report-head{display:flex;justify-content:space-between;align-items:center;font:600 11px/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.sv3-report-tag{background:var(--navy);color:#fff;border-radius:99px;padding:6px 10px;letter-spacing:.04em;text-transform:none;font-size:12px}
.sv3-report-title{font:400 22px/1.15 var(--serif);margin:14px 0 16px}
.sv3-report-bars{display:flex;align-items:flex-end;gap:7px;height:64px;padding-bottom:10px;border-bottom:1px solid var(--line)}
.sv3-report-bars i{flex:1;height:var(--h);background:var(--cream-2);border-radius:4px 4px 0 0}
.sv3-report-bars i.is-accent{background:var(--orange)}
.sv3-report-langs{display:flex;gap:8px;margin-top:12px}
.sv3-report-langs span{font-size:12px;border:1px solid var(--line);border-radius:99px;padding:5px 10px}

/* 2 ticker */
.sv3-ticker{background:var(--orange);color:var(--navy);overflow:hidden;border-block:1px solid rgba(0,0,0,.08)}
.sv3-ticker-track{display:flex;width:max-content;animation:sv3-tick 38s linear infinite}
.sv3-ticker span{font:400 22px/1 var(--serif);padding:20px 0;display:flex;align-items:center;white-space:nowrap}
.sv3-ticker span::after{content:"";width:7px;height:7px;border-radius:50%;background:var(--navy);margin:0 32px}
@keyframes sv3-tick{to{transform:translateX(-50%)}}

/* 3 covers */
.sv3-covers{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:clamp(48px,7vw,112px);align-items:start}
.sv3-covers-media{position:sticky;top:110px}
.sv3-still{border-radius:28px;overflow:hidden;aspect-ratio:4/5;background:var(--navy)}
.sv3-still img{width:100%;height:100%;object-fit:cover;object-position:55% 50%}
.sv3-caption{margin-top:16px;font-size:13px;color:var(--muted)}
.sv3-covers-body .sv3-h2{margin-bottom:clamp(40px,5vw,64px)}
.sv3-index{border-top:1px solid var(--line);counter-reset:i}
.sv3-index li{display:grid;grid-template-columns:44px 1fr;align-items:baseline;gap:16px;padding:26px 0;border-bottom:1px solid var(--line);transition:padding .4s var(--ease)}
.sv3-index li:hover{padding-left:12px}
.sv3-index-n{font:500 14px/1 var(--sans);color:var(--amber);letter-spacing:.04em}
.sv3-index .sv3-check{align-self:center;width:24px;height:24px;background:var(--orange);border-color:var(--orange)}
.sv3-index .sv3-check::after{left:8px;top:4px;width:6px;height:11px;transform:rotate(45deg) scale(1)}
.sv3-index-dash{align-self:center;width:18px;height:2px;background:var(--orange)}
.sv3-index-t{font:400 clamp(22px,2.1vw,30px)/1.2 var(--serif);color:var(--navy);letter-spacing:-.01em}

/* 4 month rail */
.sv3-month{overflow:hidden}
.sv3-month::before{content:"";position:absolute;right:-12%;top:-30%;width:60vw;height:60vw;border-radius:50%;background:radial-gradient(closest-side,rgba(232,122,0,.14),transparent);pointer-events:none}
.sv3-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.sv3-step{position:relative;padding:28px 26px 32px;border-radius:24px;background:linear-gradient(180deg,rgba(255,255,255,.07),rgba(255,255,255,.02));border:1px solid var(--line-light);min-height:320px;display:flex;flex-direction:column;transition:transform .5s var(--ease),background .4s}
.sv3-step:hover{transform:translateY(-6px);background:linear-gradient(180deg,rgba(255,255,255,.11),rgba(255,255,255,.03))}
.sv3-step-n{font:400 clamp(64px,6vw,88px)/.9 var(--serif);letter-spacing:-.04em;color:var(--orange)}
.sv3-step-date{align-self:flex-start;margin-top:18px;font:600 12px/1 var(--sans);background:var(--orange);color:var(--navy);border-radius:99px;padding:8px 12px}
.sv3-step h3{font:400 26px/1.15 var(--serif);margin:auto 0 12px;padding-top:32px}
.sv3-step p{font-size:15px;line-height:1.55;color:rgba(255,255,255,.7)}
.sv3-step-ic{position:absolute;top:28px;right:24px;width:44px;height:44px;padding:9px;border-radius:50%;background:var(--cream)}

/* 5 documents */
.sv3-docs{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(20px,3vw,40px)}
.sv3-doc h3{font:400 26px/1.2 var(--serif);color:var(--navy);margin-top:28px;max-width:18ch}
.sv3-sheet{position:relative;aspect-ratio:4/3.4;border-radius:22px;background:var(--cream);overflow:hidden;display:block;transition:transform .6s var(--ease)}
.sv3-sheet::before,.sv3-sheet::after{content:"";position:absolute;left:18%;right:18%;top:16%;bottom:-6%;background:#fff;border-radius:6px;box-shadow:0 1px 0 rgba(0,0,0,.04),0 24px 40px -18px rgba(0,31,61,.35);transform:rotate(-4deg);transition:transform .6s var(--ease)}
.sv3-sheet::after{transform:rotate(3deg) translateY(-6%);left:20%;right:16%}
.sv3-doc:hover .sv3-sheet::before{transform:rotate(-7deg) translateX(-4%)}
.sv3-doc:hover .sv3-sheet::after{transform:rotate(0) translateY(-10%)}
.sv3-sheet>*{position:absolute;z-index:2}
.sv3-sheet-tag{top:18px;left:18px;font:600 11px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;background:var(--navy);color:#fff;border-radius:99px;padding:8px 12px}
.sv3-sheet-head{left:26%;right:22%;top:calc(16% + 10%);display:flex;gap:8px}
.sv3-sheet-head i,.sv3-sheet-tabs i{font:600 11px/1 var(--sans);font-style:normal;color:var(--navy);border:1px solid var(--line);border-radius:6px;padding:6px 8px}
.sv3-sheet-rows{left:26%;right:24%;top:calc(16% + 26%);display:flex;flex-direction:column;gap:12px}
.sv3-sheet-rows i{height:6px;border-radius:3px;background:var(--cream-2)}
.sv3-sheet-rows i:nth-child(2){width:78%}.sv3-sheet-rows i:nth-child(3){width:88%}.sv3-sheet-rows i:nth-child(4){width:64%}
.sv3-sheet-rows i.is-total{height:8px;width:46%;margin-left:auto;background:var(--orange)}
.sv3-sheet--pack{background:var(--cream)}
.sv3-sheet-tabs{left:26%;top:calc(16% + 10%);display:flex;gap:6px}
.sv3-sheet-tabs i{width:28px;height:10px;padding:0;border:0;border-radius:3px 3px 0 0;background:var(--orange)}
.sv3-sheet-tabs i:nth-child(2){background:var(--navy-3)}.sv3-sheet-tabs i:nth-child(3){background:var(--cream-2)}
.sv3-sheet--pack .sv3-sheet-rows{top:calc(16% + 24%)}
.sv3-sheet--archive{background:var(--cream)}
.sv3-sheet--archive::before,.sv3-sheet--archive::after{display:none}
.sv3-box{left:20%;right:20%;bottom:14%;top:26%;display:flex;flex-direction:column-reverse;gap:6px}
.sv3-box i{height:22%;border-radius:8px;background:var(--navy);box-shadow:0 18px 30px -16px rgba(0,31,61,.6);transition:transform .6s var(--ease)}
.sv3-box i:nth-child(2){background:var(--navy-3);margin-inline:4%}
.sv3-box i:nth-child(3){background:#fff;margin-inline:8%}
.sv3-box i:nth-child(4){background:var(--orange);margin-inline:12%}
.sv3-doc:hover .sv3-box i:nth-child(4){transform:translateY(-10px)}
.sv3-doc:hover .sv3-box i:nth-child(3){transform:translateY(-5px)}

/* 6 send us */
.sv3-send{overflow:hidden}
.sv3-send-bg{position:absolute;inset:0;z-index:0}
.sv3-send-bg img{position:absolute;right:0;top:0;width:68%;height:100%;object-fit:cover;object-position:60% 50%;opacity:.9;-webkit-mask-image:linear-gradient(90deg,transparent,#000 45%);mask-image:linear-gradient(90deg,transparent,#000 45%)}
.sv3-send-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--navy) 30%,rgba(0,31,61,.25) 75%,rgba(0,31,61,.1))}
.sv3-send-grid{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:clamp(40px,6vw,96px);align-items:center}
.sv3-checklist{background:rgba(251,248,242,.96);backdrop-filter:blur(12px);border-radius:28px;padding:14px 34px;color:var(--navy);box-shadow:0 40px 80px -30px rgba(0,0,0,.55)}
.sv3-checklist li{display:flex;align-items:center;gap:18px;padding:20px 0;font:400 20px/1.3 var(--serif);border-bottom:1px solid var(--line)}
.sv3-checklist li:last-child{border-bottom:0}
.sv3-check{flex:none;width:28px;height:28px;border-radius:50%;border:1.5px solid rgba(0,31,61,.3);position:relative;transition:background .3s,border-color .3s}
.sv3-check::after{content:"";position:absolute;left:9px;top:5px;width:7px;height:12px;border:solid #fff;border-width:0 2px 2px 0;transform:rotate(45deg) scale(0);transition:transform .3s var(--ease)}
.sv3-checklist li.is-done .sv3-check{background:var(--orange);border-color:var(--orange)}
.sv3-checklist li.is-done .sv3-check::after{transform:rotate(45deg) scale(1)}

/* 7 mistakes (pending) */
.sv3-mistakes{display:grid;grid-template-columns:5fr 6fr;gap:clamp(48px,7vw,112px)}
.sv3-index--warn .sv3-index-t{font-size:clamp(20px,1.8vw,24px)}

/* 8 proof */
.sv3-proof-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(40px,6vw,96px);align-items:center}
.sv3-score-n{display:block;font:400 clamp(150px,17vw,250px)/.8 var(--serif);letter-spacing:-.06em;color:var(--navy)}
.sv3-stars{display:flex;gap:6px;margin:28px 0 18px}
.sv3-stars i{width:26px;height:26px;background:var(--orange);clip-path:polygon(50% 0,61% 35%,98% 35%,68% 57%,79% 91%,50% 70%,21% 91%,32% 57%,2% 35%,39% 35%)}
.sv3-stars i.is-part{background:linear-gradient(90deg,var(--orange) 80%,rgba(0,31,61,.18) 80%)}
.sv3-score-src{display:inline-flex;align-items:center;gap:10px;font-size:15px;color:var(--navy);text-decoration:none;border-bottom:1px solid var(--line);padding-bottom:4px}
.sv3-score-src:hover{border-color:var(--navy)}
.sv3-quote{position:relative}
.sv3-quote-mark{width:64px;color:var(--orange);margin-bottom:28px}
.sv3-quote blockquote p{font:400 clamp(28px,3vw,44px)/1.18 var(--serif);letter-spacing:-.02em;color:var(--navy);text-wrap:pretty}
.sv3-quote figcaption{margin-top:32px;display:flex;gap:14px;align-items:center;font-size:15px;color:var(--muted)}
.sv3-quote cite{font-style:normal;font-weight:600;color:var(--navy)}
.sv3-quote figcaption span::before{content:"·";margin-right:14px}
.sv3-facts-row{padding-top:clamp(48px,6vw,80px)}
.sv3-facts-k{font:600 12px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--amber);margin-bottom:24px}
.sv3-facts{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:28px 36px}
.sv3-facts>div{border-top:1px solid var(--line);padding-top:18px}
.sv3-facts dt{font:600 11px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.sv3-facts dd{font:400 clamp(20px,1.8vw,26px)/1.2 var(--serif);color:var(--navy);letter-spacing:-.01em;text-wrap:balance}
.sv3-case{margin-top:56px;background:#fff;border-radius:24px;padding:32px}

/* 9 who */
.sv3-who{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.sv3-tile{position:relative;border-radius:24px;overflow:hidden;aspect-ratio:3/4;background:var(--cream)}
.sv3-tile img{width:100%;height:100%;object-fit:cover;transition:transform 1.2s var(--ease)}
.sv3-tile:hover img{transform:scale(1.05)}
.sv3-tile h3{position:absolute;left:24px;right:24px;bottom:22px;font:400 clamp(24px,2.2vw,32px)/1.1 var(--serif);color:var(--navy);display:flex;flex-direction:column;gap:12px}
.sv3-tile--dark h3{color:#fff}
.sv3-tile--dark h3 span{color:var(--orange)}
.sv3-tile--dark::after{content:"";position:absolute;inset:auto 0 0;height:45%;background:linear-gradient(0deg,rgba(0,20,40,.55),transparent);pointer-events:none}
.sv3-tile--dark h3{z-index:1}

/* 10 signature */
.sv3-sign-wrap{padding-block:clamp(48px,5vw,72px)}
.sv3-sign{display:grid;grid-template-columns:auto 1fr auto;gap:24px;align-items:center;border-block:1px solid var(--line);padding-block:28px}
.sv3-sign-photo{width:80px;height:80px;border-radius:16px;object-fit:cover}
.sv3-sign-k{font:600 11px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--amber);margin-bottom:8px}
.sv3-sign-name{font:400 22px/1.25 var(--serif);color:var(--navy)}
.sv3-sign-name a{color:inherit;text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:4px}
.sv3-sign-cred{margin-top:6px;font-size:15px;line-height:1.5;color:var(--muted);max-width:64ch}
.sv3-sign-date{font-size:14px;color:var(--muted);white-space:nowrap}

/* 11 services index */
.sv3-services{border-top:1px solid var(--line)}
.sv3-services a{position:relative;display:grid;grid-template-columns:1fr 44px;align-items:center;gap:16px;padding:26px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--navy);isolation:isolate;transition:padding .45s var(--ease),color .3s}
.sv3-services a::before{content:"";position:absolute;inset:0 -32px;background:var(--navy);z-index:-1;transform:scaleY(0);transform-origin:bottom;transition:transform .45s var(--ease);border-radius:14px}
.sv3-services a:hover{color:#fff;padding-inline:20px}
.sv3-services a:hover::before{transform:scaleY(1)}
.sv3-services a:hover .sv3-services-t{font:400 clamp(26px,3vw,44px)/1.1 var(--serif);letter-spacing:-.02em}
.sv3-services svg{width:40px;height:40px;transition:transform .45s var(--ease)}
.sv3-services a:hover svg{transform:rotate(45deg);color:var(--orange)}

/* 12 cta */
.sv3-cta{position:relative;min-height:clamp(520px,70vh,720px);display:flex;align-items:center;color:#fff;overflow:hidden;isolation:isolate;background:var(--navy)}
.sv3-cta-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.sv3-cta::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(0,31,61,.55),rgba(0,31,61,.85))}
.sv3-cta-inner{text-align:center;display:flex;flex-direction:column;align-items:center;padding-block:96px}
.sv3-cta .sv3-eyebrow{justify-content:center}
.sv3-cta-h{font:400 clamp(52px,8vw,128px)/.95 var(--serif);letter-spacing:-.04em;max-width:12ch;text-wrap:balance}
.sv3-cta-lede{max-width:46ch;margin:28px 0 40px;font-size:18px;line-height:1.6;color:rgba(255,255,255,.78)}

/* reveal */
.sv3-js [data-sv3-reveal]{opacity:0;transform:translateY(32px);transition:opacity 1s var(--ease),transform 1s var(--ease)}
.sv3-js [data-sv3-reveal].is-in{opacity:1;transform:none}
.sv3-js .sv3-steps[data-sv3-reveal]>*,.sv3-js .sv3-docs[data-sv3-reveal]>*,.sv3-js .sv3-who[data-sv3-reveal]>*,.sv3-js .sv3-index[data-sv3-reveal]>*{opacity:0;transform:translateY(28px);transition:opacity .9s var(--ease),transform .9s var(--ease)}
.sv3-js [data-sv3-reveal].is-in>*{opacity:1;transform:none}
.sv3-js [data-sv3-reveal].is-in>*:nth-child(2){transition-delay:.08s}
.sv3-js [data-sv3-reveal].is-in>*:nth-child(3){transition-delay:.16s}
.sv3-js [data-sv3-reveal].is-in>*:nth-child(4){transition-delay:.24s}
.sv3-js [data-sv3-reveal].is-in>*:nth-child(5){transition-delay:.32s}
.sv3-js [data-sv3-reveal].is-in>*:nth-child(6){transition-delay:.4s}
.sv3-js .sv3-steps[data-sv3-reveal].is-in>*:hover{transform:translateY(-6px)}

/* responsive */
@media (max-width:1100px){
  .sv3-steps{grid-template-columns:repeat(2,1fr)}
  .sv3-who{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:900px){
  .sv3-hero{grid-template-columns:1fr;min-height:0}
  .sv3-hero-copy{padding:56px 24px 40px}
  .sv3-hero-media{min-height:0;aspect-ratio:4/5;order:2}
  .sv3-hero-media::after{background:linear-gradient(180deg,var(--navy) 0,rgba(0,31,61,0) 18%),linear-gradient(0deg,rgba(0,31,61,.45),transparent 40%)}
  .sv3-covers,.sv3-send-grid,.sv3-proof-grid,.sv3-mistakes{grid-template-columns:1fr}
  .sv3-covers-media{position:static}
  .sv3-still{aspect-ratio:16/10}
  .sv3-docs{grid-template-columns:1fr}
  .sv3-head-row{flex-direction:column;align-items:flex-start}
  .sv3-send-bg::after{background:linear-gradient(180deg,var(--navy) 30%,rgba(0,31,61,.7))}
}
@media (max-width:640px){
  .sv3-wrap{width:calc(100% - 2 * var(--ypn-page-gutter))}
  #main-content.sv3>:is(.sv3-hero,.ab3-hero,.au3-hero,.ct3-hero){border-radius:20px}
  .sv3-hero-copy{padding-inline:20px}
  .sv3-hero-facts{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:14px}
  .sv3-hero-facts>div{padding-right:8px}
  .sv3-hero-facts>div:last-child{grid-column:1/-1}
  .sv3-hero-facts dt{font-size:10px;letter-spacing:.08em;line-height:1.3;min-height:2.6em}
  .sv3-hero-facts dd{flex-direction:column;align-items:flex-start;gap:4px}
  .sv3-num{font-size:26px}
  .sv3-hero-facts small{font-size:12px}
  .sv3-steps,.sv3-who{grid-template-columns:1fr}
  .sv3-step{min-height:0}
  .sv3-tile{aspect-ratio:4/4.4}
  .sv3-index li{grid-template-columns:36px 1fr}
  .sv3-checklist{padding:6px 22px}
  .sv3-checklist li{font-size:18px}
  .sv3-facts{grid-template-columns:repeat(2,minmax(0,1fr))}
  .sv3-sign{grid-template-columns:auto 1fr}
  .sv3-sign-date{grid-column:2}
  .sv3-services a{grid-template-columns:1fr 32px}
  .sv3-services a::before{inset:0 -12px}
  .sv3-services svg{width:30px;height:30px}
  .sv3-btn{height:52px;padding:0 24px}
}
@media (max-width:360px){.sv3-hero-facts{grid-template-columns:1fr}.sv3-hero-facts>div:last-child{grid-column:auto}}
@media (prefers-reduced-motion:reduce){
  .sv3 *,.sv3 *::before,.sv3 *::after{animation:none!important;transition:none!important}
  .sv3-swash{background-size:100% .06em}
  .sv3-report-card{opacity:1;transform:none}
  .sv3-hero-media>img{transform:none}
  .sv3-js [data-sv3-reveal],.sv3-js [data-sv3-reveal]>*{opacity:1!important;transform:none!important}
  .sv3-ticker-track{animation:none}
}

/* colour locks: #main-content h1–h3 are forced navy by ypn-client-revision.css */
#main-content.sv3 h1,#main-content.sv3 h2,#main-content.sv3 h3{color:var(--navy)}
#main-content.sv3 .sv3-display,#main-content.sv3 .sv3-h2--light,#main-content.sv3 .sv3-step h3,#main-content.sv3 .sv3-cta-h,#main-content.sv3 .sv3-tile--dark h3{color:#fff}
#main-content.sv3 .sv3-display .sv3-swash{color:var(--orange)}
.sv3 .sv3-quote blockquote{quotes:none}
.sv3 .sv3-quote blockquote::before,.sv3 .sv3-quote blockquote::after,.sv3 .sv3-quote blockquote p::before,.sv3 .sv3-quote blockquote p::after{content:none!important;display:none!important}
.sv3-tile:not(.sv3-tile--dark)::after{content:"";position:absolute;inset:auto 0 0;height:42%;background:linear-gradient(0deg,rgba(245,239,228,.96) 30%,rgba(245,239,228,0));pointer-events:none}
.sv3-tile h3{z-index:1}
.sv3-cta::before{background:linear-gradient(180deg,rgba(0,31,61,.7),rgba(0,31,61,.9))}
@media (max-width:900px){.sv3-hero{grid-template-columns:minmax(0,1fr)}}
@media (max-width:640px){
  .sv3-display{font-size:48px}
}
.sv3 .sv3-quote blockquote,.sv3 .sv3-quote blockquote p{text-indent:0;margin:0;padding:0;border:0}

/* ---- template variants for the 9 service pages ---- */
.sv3-num--sm{font-size:clamp(22px,1.9vw,30px)} /* after the 640 .sv3-num rule, so it stays smaller on mobile */
.sv3-docs[style*="--n"]{grid-template-columns:repeat(var(--n),minmax(0,1fr))}
.sv3-who[style*="--n"]{grid-template-columns:repeat(var(--n),minmax(0,1fr))}
.sv3-who[style="--n:2"] .sv3-tile{aspect-ratio:4/3.4}
.sv3-who[style="--n:3"] .sv3-tile{aspect-ratio:4/4.6}
.sv3-sheet-code{left:26%;right:22%;top:calc(16% + 12%);font:400 clamp(28px,2.8vw,40px)/1 var(--serif);letter-spacing:-.02em;color:var(--navy)}
.sv3-sheet--code .sv3-sheet-rows{top:calc(16% + 34%)}
.sv3-docs[style="--n:4"] .sv3-doc h3{font-size:22px}
.sv3-proof-grid--solo{grid-template-columns:minmax(0,5fr) minmax(0,7fr)}
.sv3-proof-grid--solo .sv3-facts-row{padding-top:0}
.sv3-proof-grid--solo .sv3-facts{grid-template-columns:repeat(2,minmax(0,1fr))}
.sv3-addon-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:var(--line-light);border:1px solid var(--line-light);border-radius:24px;overflow:hidden}
.sv3-addon-grid li{background:var(--navy);padding:28px 28px 30px;display:grid;grid-template-columns:auto 1fr;grid-template-rows:auto auto;gap:10px 16px;align-items:baseline;transition:background .35s}
.sv3-addon-grid li:hover{background:var(--navy-2)}
.sv3-addon-n{font:500 13px/1 var(--sans);color:var(--orange)}
.sv3-addon-t{font:400 clamp(20px,1.8vw,26px)/1.2 var(--serif);color:#fff}
.sv3-addon-tag{grid-column:2;justify-self:start;font:600 10px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.55);border:1px solid var(--line-light);border-radius:99px;padding:6px 10px}
.sv3-faq{display:grid;grid-template-columns:5fr 6fr;gap:clamp(48px,7vw,112px)}
.sv3-faq-item{border-bottom:1px solid var(--line);padding:24px 0}
.sv3-faq-item summary{font:400 24px/1.25 var(--serif);color:var(--navy);cursor:pointer;list-style:none}
.sv3-faq-item p{margin-top:14px;line-height:1.6;color:var(--muted)}
@media (max-width:1100px){
  .sv3-docs[style="--n:4"]{grid-template-columns:repeat(2,minmax(0,1fr))}
  .sv3-who[style="--n:4"]{grid-template-columns:repeat(2,minmax(0,1fr))}
  .sv3-addon-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:900px){
  .sv3-docs[style*="--n"]{grid-template-columns:1fr}
  .sv3-proof-grid--solo,.sv3-faq{grid-template-columns:1fr}
}
@media (max-width:640px){
  .sv3-who[style*="--n"]{grid-template-columns:1fr}
  .sv3-who[style*="--n"] .sv3-tile{aspect-ratio:4/4.4}
  .sv3-addon-grid{grid-template-columns:1fr}
}
#main-content.sv3 .sv3-display{overflow-wrap:normal;word-break:normal;hyphens:none}
.sv3-display--long{font-size:clamp(42px,4.9vw,74px);max-width:13.5ch}
@media (max-width:640px){.sv3-display--long{font-size:40px}}

/* ===== Pricing page (pr3), 2026-10-02 =====
   References: Resend pricing (Refero 41a1e81f: a volume slider drives the tiers),
   Wealthsimple pricing (35a72b3b: serif hero, three cards, image break). */
.pr3-hero-media>img{object-position:50% 60%}
.pr3-hero-media::after{background:linear-gradient(90deg,var(--navy) 0,rgba(0,31,61,0) 26%)}
.pr3-head-note{max-width:28ch;color:var(--muted);font-size:17px;line-height:1.5}
.pr3-console{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);background:var(--navy);color:#fff;border-radius:32px;overflow:hidden;box-shadow:0 40px 80px -40px rgba(0,31,61,.55)}
.pr3-console-inputs{padding:clamp(32px,4vw,52px)}
.pr3-console-inputs .sv3-eyebrow{margin-bottom:34px}
.pr3-field label{display:block;font:600 12px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.62);margin-bottom:12px}
.pr3-range-head{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;margin-bottom:22px}
.pr3-range-head label{margin:0}
.pr3-range-head input{width:3.4em;background:transparent;border:0;border-bottom:1px solid var(--line-light);color:#fff;font:400 clamp(48px,5vw,72px)/1 var(--serif);text-align:right;padding:0;-moz-appearance:textfield}
.pr3-range-head input::-webkit-inner-spin-button{-webkit-appearance:none}
.pr3-range-head input:focus{outline:none;border-color:var(--orange)}
#ypn-transactions{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:99px;background:linear-gradient(90deg,var(--orange) var(--range-progress,16%),rgba(255,255,255,.18) var(--range-progress,16%));cursor:pointer}
#ypn-transactions::-webkit-slider-thumb{-webkit-appearance:none;width:30px;height:30px;border-radius:50%;background:#fff;border:6px solid var(--orange);box-shadow:0 6px 20px rgba(0,0,0,.35)}
#ypn-transactions::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:6px solid var(--orange)}
#ypn-transactions:focus-visible{outline:2px solid var(--orange);outline-offset:6px}
.pr3-range-limits{position:relative;height:18px;margin-top:14px;font-size:12px;color:rgba(255,255,255,.5)}
.pr3-range-limits span{position:absolute;transform:translateX(-50%)}
.pr3-range-limits span:nth-child(1){left:0;transform:none}.pr3-range-limits span:nth-child(2){left:6%}.pr3-range-limits span:nth-child(3){left:32.9%}.pr3-range-limits span:nth-child(4){left:66.4%}.pr3-range-limits span:nth-child(5){left:auto;right:0;transform:none}
.pr3-selects{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:40px}
.pr3-field select{width:100%;height:52px;border-radius:14px;border:1px solid var(--line-light);background:rgba(255,255,255,.06);color:#fff;font:400 16px/1 var(--sans);padding:0 16px}
.pr3-field select option{color:var(--navy)}
.pr3-field select:focus-visible{outline:2px solid var(--orange);outline-offset:2px}
.pr3-console-result{background:var(--orange);color:var(--navy);padding:clamp(32px,4vw,52px);display:flex;flex-direction:column}
.pr3-result-label{font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;opacity:.75}
#main-content.sv3 .pr3-result-tier{font:400 clamp(36px,3.4vw,52px)/1 var(--serif);color:var(--navy);margin:18px 0 10px}
.pr3-result-price{display:flex;align-items:baseline;gap:10px}
.pr3-result-price strong{font:400 clamp(56px,6vw,92px)/.95 var(--serif);letter-spacing:-.04em;font-weight:400}
.pr3-result-price span{font-size:15px;font-weight:600}
.pr3-result-volume{margin-top:12px;font-size:15px}
.pr3-result-notes{margin-top:22px;border-top:1px solid rgba(0,31,61,.2)}
.pr3-result-notes li{padding:11px 0 11px 22px;border-bottom:1px solid rgba(0,31,61,.14);font-size:14px;line-height:1.45;position:relative}
.pr3-result-notes li::before{content:"";position:absolute;left:0;top:17px;width:10px;height:2px;background:var(--navy)}
.pr3-result-link{margin-top:auto;padding-top:26px;color:var(--navy);font-weight:600;text-decoration:none}
.pr3-result-link:hover{text-decoration:underline}
.pr3-disclaimer{margin-top:10px;font-size:12px;opacity:.75}
.pr3-tiers{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;margin-top:28px}
.pr3-tier{position:relative;background:#fff;border-radius:28px;padding:36px 32px 34px;display:flex;flex-direction:column;border:1px solid var(--line);transition:transform .5s var(--ease),box-shadow .5s var(--ease),border-color .3s}
.pr3-tier--featured{background:var(--navy);color:#fff;border-color:var(--navy)}
.pr3-tier.is-match{transform:translateY(-10px);border-color:var(--orange);box-shadow:0 0 0 2px var(--orange),0 30px 60px -30px rgba(0,31,61,.5)}
.pr3-tier-badge{position:absolute;top:22px;right:22px;background:var(--orange);color:var(--navy);font:600 11px/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;border-radius:99px;padding:8px 12px}
.pr3-tier-name{font:400 32px/1 var(--serif);color:var(--navy)}
.pr3-tier--featured .pr3-tier-name{color:#fff}
.pr3-tier-volume{margin-top:12px;font:600 12px/1.3 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--amber)}
.pr3-tier--featured .pr3-tier-volume{color:var(--orange)}
.pr3-tier-price{display:flex;align-items:baseline;gap:10px;margin:34px 0 22px;padding-bottom:24px;border-bottom:1px solid var(--line)}
.pr3-tier--featured .pr3-tier-price{border-color:var(--line-light)}
.pr3-tier-price span{font:400 clamp(60px,5.6vw,84px)/.9 var(--serif);letter-spacing:-.045em;color:var(--navy)}
.pr3-tier--featured .pr3-tier-price span{color:#fff}
.pr3-tier-price small{font-size:14px;color:var(--muted)}
.pr3-tier--featured .pr3-tier-price small{color:rgba(255,255,255,.65)}
.pr3-tier-desc{font-size:16px;line-height:1.55;color:var(--muted);margin-bottom:30px}
.pr3-tier--featured .pr3-tier-desc{color:rgba(255,255,255,.72)}
.pr3-tier .sv3-btn{margin-top:auto;align-self:flex-start}
.pr3-tiers-foot{margin-top:28px;text-align:center}
.pr3-tiers-foot a{color:var(--navy);font-weight:600;text-decoration:none;border-bottom:1px solid var(--line);padding-bottom:3px}
.pr3-bento{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.pr3-cell{position:relative;border-radius:24px;padding:28px 26px 30px;background:rgba(255,255,255,.05);border:1px solid var(--line-light);min-height:250px;display:flex;flex-direction:column;transition:background .35s}
.pr3-cell:hover{background:rgba(255,255,255,.09)}
.pr3-cell--wide{grid-column:span 2}
.pr3-cell--orange{background:var(--orange);color:var(--navy);border-color:var(--orange)}
.pr3-cell--orange:hover{background:#f08a14}
.pr3-cell--cream{background:var(--cream);color:var(--navy);border-color:var(--cream)}
.pr3-cell--cream:hover{background:#fff}
.pr3-cell-freq{align-self:flex-start;font:600 11px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;border:1px solid currentColor;border-radius:99px;padding:7px 11px;opacity:.8}
#main-content.sv3 .pr3-cell h3{font:400 26px/1.15 var(--serif);color:#fff;margin:auto 0 10px;padding-top:36px}
#main-content.sv3 .pr3-cell--orange h3,#main-content.sv3 .pr3-cell--cream h3{color:var(--navy)}
.pr3-cell p{font-size:15px;line-height:1.55;color:rgba(255,255,255,.7)}
.pr3-cell--orange p,.pr3-cell--cream p{color:rgba(0,31,61,.78)}
.pr3-cell-codes{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px}
.pr3-cell-codes span{font:400 20px/1 var(--serif);border-radius:10px;padding:8px 12px;background:rgba(255,255,255,.1);color:#fff}
.pr3-cell--orange .pr3-cell-codes span{background:var(--navy);color:#fff}
.pr3-cell-bars{position:absolute;right:26px;top:26px;width:42%;height:70px;border-color:rgba(0,31,61,.15)}
.pr3-extras{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(48px,7vw,112px);align-items:start}
.pr3-extras-note{margin:18px 0 36px;font-size:18px;color:var(--muted)}
.pr3-extras-still{aspect-ratio:4/3}
.pr3-extras .sv3-services-t{font-size:clamp(24px,2.4vw,34px)}
@media (max-width:1100px){.pr3-bento{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:900px){
  .pr3-console,.pr3-extras{grid-template-columns:1fr}
  .pr3-tiers{grid-template-columns:1fr}
  .pr3-tier.is-match{transform:none}
  .pr3-hero-media{aspect-ratio:4/4}
}
@media (max-width:640px){
  .pr3-bento{grid-template-columns:1fr}.pr3-cell--wide{grid-column:auto}
  .pr3-selects{grid-template-columns:1fr}
  .pr3-cell-bars{display:none}
  .pr3-range-limits span:nth-child(2){display:none}
}
/* pricing fixes: neutralise homepage calculator / section rules that target these IDs */
#main-content.pr3 #ypn-calculator-tier{background:none;padding:0;border-radius:0;display:block;font:400 clamp(36px,3.4vw,52px)/1 var(--serif);color:var(--navy);margin:18px 0 10px;letter-spacing:-.02em}
#main-content.pr3 #ypn-calculator-volume,#main-content.pr3 #ypn-calculator-notes li{color:var(--navy)}
#main-content.pr3 #ypn-calculator-price{color:var(--navy)}
#main-content.pr3 #additional-services-heading,#main-content.pr3 #included-heading,#main-content.pr3 #packages-heading{text-align:left;margin-inline:0}
.pr3-bento{grid-template-columns:repeat(3,minmax(0,1fr))}
.pr3-bento .pr3-cell--wide{grid-column:span 2}
@media (max-width:1100px){.pr3-bento{grid-template-columns:repeat(2,minmax(0,1fr))}.pr3-bento .pr3-cell--wide{grid-column:span 2}}
@media (max-width:640px){.pr3-bento{grid-template-columns:1fr}.pr3-bento .pr3-cell--wide{grid-column:auto}}
.sv3-kicker{flex-wrap:wrap;row-gap:8px}.sv3-kicker span{white-space:nowrap;flex:none}

/* ---- pricing a11y fixes (docs/website-design/qa/pricing-a11y.md, 2026-10-02) ---- */
.pr3-result-label{opacity:1;color:var(--navy);font-size:13px}
.pr3-disclaimer{opacity:1;color:var(--navy);font-size:13px}
.pr3-field label{font-size:13px;color:rgba(255,255,255,.8)}
.pr3-range-limits{font-size:13px;color:rgba(255,255,255,.7)}
.pr3-field select{border-color:rgba(255,255,255,.4);background:rgba(255,255,255,.1)}
.pr3-range-head input{border-bottom:2px solid rgba(255,255,255,.4)}
.pr3-result-volume{margin-top:18px}
#main-content.pr3 #ypn-calculator-unit{color:var(--navy)}
#main-content.pr3 #calculator-heading{font:600 12px/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--orange);margin:0 0 34px}
.pr3-cell--orange p{color:var(--navy)}
.pr3-cell--orange .pr3-cell-freq{opacity:1}
.sv3-cream a:focus-visible,.sv3-paper a:focus-visible,.sv3-white a:focus-visible,.pr3-tier a:focus-visible,.pr3-tiers-foot a:focus-visible{outline-color:var(--navy)}
.pr3-tier--featured a:focus-visible{outline-color:#fff}
#main-content.pr3 #ypn-calculator-contact:focus-visible{outline:2px solid var(--navy);outline-offset:4px}
.pr3-range-head input:focus-visible{outline:2px solid var(--orange);outline-offset:6px;border-color:var(--orange)}
.pr3-tier.is-match{box-shadow:0 0 0 2px var(--cream),0 0 0 4px var(--navy),0 30px 60px -30px rgba(0,31,61,.5);border-color:var(--navy)}
.pr3-tier.is-match::after{content:"Your estimate";position:absolute;top:-14px;left:24px;font:600 11px/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--navy);background:var(--cream);border:1px solid var(--navy);border-radius:99px;padding:8px 12px}
#ypn-transactions{height:30px;background:transparent}
#ypn-transactions::-webkit-slider-runnable-track{height:6px;border-radius:99px;background:linear-gradient(90deg,var(--orange) var(--range-progress,16%),rgba(255,255,255,.3) var(--range-progress,16%))}
#ypn-transactions::-webkit-slider-thumb{margin-top:-12px}
#ypn-transactions::-moz-range-track{height:6px;border-radius:99px;background:linear-gradient(90deg,var(--orange) var(--range-progress,16%),rgba(255,255,255,.3) var(--range-progress,16%))}
@media (pointer:coarse){#ypn-transactions::-webkit-slider-thumb{width:36px;height:36px;margin-top:-15px}}
@media (max-width:640px){
  .pr3-range-limits span:nth-child(2){display:inline}
  .pr3-range-limits span:nth-child(1){display:none}
  .pr3-range-head{align-items:center}
}
@media (max-width:900px) and (orientation:landscape){.pr3-hero-media{aspect-ratio:16/7}}
.footer-copyright{color:rgba(255,255,255,.7)!important;opacity:1!important}
.sv3-cream .sv3-h2 em,.sv3-paper .sv3-h2 em,.sv3-white .sv3-h2 em{color:#cc6800} /* 3.3:1 on cream for large text (WCAG 1.4.3); #e87a00 stays on navy */

/* ===== About page (ab3), 2026-10-02 =====
   References: New Balance "Our purpose" (Refero 022e8e3a: alternating half-bleed image/text),
   Missive about (d27d8de6: statement left, story right), Wealthsimple image cards. */
.ab3-hero{position:relative;background:linear-gradient(180deg,var(--navy) 0,var(--navy) 62%,var(--cream) 62%);color:#fff;padding-top:clamp(56px,7vw,104px);isolation:isolate}
.ab3-hero::before{content:"";position:absolute;inset:0 0 38% 0;z-index:-1;background:radial-gradient(50% 80% at 90% 0%,rgba(232,122,0,.16),transparent 60%)}
.ab3-hero-row{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,5fr);gap:clamp(32px,5vw,80px);align-items:end;margin-top:clamp(28px,4vw,48px)}
.ab3-display{margin:0!important;max-width:none}
.ab3-lede{padding-bottom:12px}
.ab3-hero-photo{margin-top:clamp(48px,6vw,80px)!important}
.ab3-hero-photo img{width:100%;aspect-ratio:16/8.4;object-fit:cover;object-position:50% 30%;border-radius:32px;box-shadow:none}
.ab3-led{padding-top:clamp(72px,8vw,120px)}
.ab3-led-grid{display:grid;grid-template-columns:minmax(0,6fr) minmax(0,5fr);gap:clamp(48px,7vw,112px);align-items:start}
.ab3-pull{margin-top:40px!important;font:400 clamp(28px,3vw,44px)/1.15 var(--serif);letter-spacing:-.02em;color:var(--navy);max-width:20ch}
.ab3-pull em{font-style:normal;color:#cc6800}
.ab3-story p{font-size:19px;line-height:1.65;color:#2a3a4a}
.ab3-names{display:flex;flex-wrap:wrap;gap:10px 28px;margin:36px 0 40px;padding:26px 0;border-block:1px solid var(--line)}
.ab3-names-logos{display:flex;flex-wrap:wrap;align-items:center;gap:20px 48px}
.ab3-names-logos img{display:block;width:auto}
@media (max-width:640px){.ab3-names-logos{gap:16px 24px}.ab3-names-logos img{max-height:28px}}
.ab3-names::before{content:"Finance operations at";flex-basis:100%;font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--amber)}
.ab3-stage{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);background:var(--navy);color:#fff;min-height:680px}
.ab3-stage-media{position:relative;overflow:hidden}
.ab3-stage-media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:40% 40%}
.ab3-stage-body{padding:clamp(56px,7vw,112px) max(32px,calc((100vw - var(--wrap))/2)) clamp(56px,7vw,112px) clamp(40px,6vw,96px);display:flex;flex-direction:column;justify-content:center}
.ab3-stage-lede{margin:28px 0 40px!important;font-size:18px;line-height:1.6;color:rgba(255,255,255,.75);max-width:52ch}
.ab3-path{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.ab3-path li{position:relative;padding:22px 22px 24px;border:1px solid var(--line-light);border-radius:18px;font:400 22px/1.2 var(--serif);background:rgba(255,255,255,.04)}
.ab3-path li span{display:block;font:500 13px/1 var(--sans);color:var(--orange);margin-bottom:18px}
.ab3-path li:last-child{background:var(--orange);color:var(--navy);border-color:var(--orange)}
.ab3-path li:last-child span{color:var(--navy)}
.ab3-why{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));grid-auto-rows:minmax(220px,auto);gap:16px}
.ab3-why li{position:relative;border-radius:24px;background:#fff;border:1px solid var(--line);padding:26px;display:flex;flex-direction:column;justify-content:flex-end;overflow:hidden}
#main-content.ab3 .ab3-why h3{font:400 24px/1.2 var(--serif);color:var(--navy);margin-top:16px;position:relative;z-index:1}
.ab3-why-k{font:600 12px/1.2 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--amber);margin-bottom:auto}
.ab3-why-big{grid-row:span 2;background:var(--navy)!important;border-color:var(--navy)!important}
#main-content.ab3 .ab3-why-big h3{color:#fff;font-size:28px}
.ab3-why-n{font:400 clamp(160px,17vw,260px)/.8 var(--serif);letter-spacing:-.06em;color:var(--orange);margin-bottom:auto}
.ab3-why-img{grid-column:span 2;grid-row:span 2;padding:0!important;background:var(--cream)!important}
.ab3-why-img img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.ab3-why-img::after{content:"";position:absolute;inset:auto 0 0;height:45%;background:linear-gradient(0deg,rgba(245,239,228,.96) 35%,transparent)}
#main-content.ab3 .ab3-why-img h3{position:absolute;left:28px;bottom:28px;font-size:clamp(28px,2.6vw,38px);margin:0}
.ab3-langs{position:absolute;right:24px;bottom:30px;z-index:1;display:flex;gap:6px}
.ab3-langs span{font:600 12px/1 var(--sans);background:var(--navy);color:#fff;border-radius:99px;padding:8px 11px}
.ab3-how{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.ab3-how li{border-radius:28px;background:rgba(255,255,255,.05);border:1px solid var(--line-light);overflow:hidden;padding-bottom:32px}
.ab3-how figure{aspect-ratio:16/10;overflow:hidden;background:var(--navy-2)}
.ab3-how figure img{width:100%;height:100%;object-fit:cover;transition:transform 1.2s var(--ease)}
.ab3-how li:hover figure img{transform:scale(1.05)}
.ab3-how-ui{display:flex;align-items:center;justify-content:center;background:radial-gradient(60% 80% at 50% 40%,rgba(232,122,0,.2),transparent),var(--navy-2)!important}
.ab3-mini{position:static;opacity:1;transform:none;animation:none;width:min(280px,80%)}
.ab3-how-n{display:block;margin:28px 30px 0;font:500 13px/1 var(--sans);color:var(--orange)}
#main-content.ab3 .ab3-how h3{font:400 28px/1.15 var(--serif);color:#fff;margin:12px 30px 12px}
.ab3-how li>p{margin:0 30px!important;font-size:16px;line-height:1.6;color:rgba(255,255,255,.72)}
.ab3-gallery{display:grid;grid-template-columns:1.2fr 1fr 1.2fr;gap:16px;align-items:end;margin-bottom:clamp(64px,8vw,112px)}
.ab3-gallery li{border-radius:24px;overflow:hidden}
.ab3-gallery li:nth-child(1){aspect-ratio:4/5}.ab3-gallery li:nth-child(2){aspect-ratio:4/3.6}.ab3-gallery li:nth-child(3){aspect-ratio:4/4.6}
.ab3-gallery img{width:100%;height:100%;object-fit:cover}
.ab3-office{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(40px,6vw,96px);align-items:center}
.ab3-office-media{border-radius:28px;overflow:hidden;aspect-ratio:4/3.3}
.ab3-office-media img{width:100%;height:100%;object-fit:cover}
.ab3-address{font-style:normal;margin-top:32px}
.ab3-address p{font-size:18px;line-height:1.6;color:#2a3a4a;max-width:38ch}
.ab3-address p+p{display:flex;flex-direction:column;gap:6px;margin-top:20px!important}
.ab3-address a{font:400 24px/1.2 var(--serif);color:var(--navy);text-decoration:none;border-bottom:1px solid var(--line);align-self:flex-start}
.ab3-address a:hover{border-color:var(--navy)}
.ab3-trust-grid{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,8fr);gap:clamp(40px,6vw,96px);align-items:center}
.ab3-trust-line{font:400 clamp(26px,2.6vw,38px)/1.15 var(--serif);color:var(--navy);max-width:24ch;margin-bottom:36px!important;letter-spacing:-.015em}
.ab3-logos img{width:auto}
.ab3-logos{-webkit-mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent)}
@media (max-width:1100px){.ab3-why{grid-template-columns:repeat(2,minmax(0,1fr))}.ab3-why-img{grid-column:span 2}}
@media (max-width:900px){
  .ab3-hero{background:linear-gradient(180deg,var(--navy) 0,var(--navy) 72%,var(--cream) 72%)}
  .ab3-hero-row,.ab3-led-grid,.ab3-stage,.ab3-office,.ab3-trust-grid{grid-template-columns:1fr}
  .ab3-stage-media{aspect-ratio:4/4}
  .ab3-stage-body{padding:56px 24px}
  .ab3-how{grid-template-columns:1fr}
  .ab3-gallery{grid-template-columns:1fr 1fr}.ab3-gallery li:nth-child(3){grid-column:span 2;aspect-ratio:16/10}
  .ab3-hero-photo img{aspect-ratio:4/3}
}
@media (max-width:640px){
  .ab3-why{grid-template-columns:1fr}.ab3-why-img,.ab3-why-big{grid-column:auto;grid-row:auto}
  .ab3-why-img{min-height:340px}.ab3-why-big{min-height:300px}
  .ab3-path{grid-template-columns:1fr}
  .ab3-hero-photo img{border-radius:20px}
}
.ab3-hero-photo img{height:auto!important;max-height:none!important;aspect-ratio:16/8.4!important}
.ab3-why-wide{grid-column:span 2}
.ab3-langs{top:24px;right:24px;bottom:auto}
@media (max-width:900px){.ab3-hero-photo img{aspect-ratio:4/3!important}}
@media (max-width:640px){.ab3-why-wide{grid-column:auto}}
@media (max-width:640px){.ab3-why{grid-auto-rows:auto}.ab3-why li:not(.ab3-why-big):not(.ab3-why-img){min-height:150px}}

/* ===== Contact page (ct3), 2026-10-02 =====
   References: ElevenLabs contact-sales (Refero a35d8b75: dark value panel + short form + proof beside it),
   Asana sales (2e18075f: raised form card over a band, logos below), 1Password contact (615dc593: navy header, phone visible). */
.ct3-hero{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);min-height:calc(100svh - 72px);background:linear-gradient(90deg,var(--navy) 50%,var(--cream) 50%)}
.ct3-panel{background:var(--navy);color:#fff;position:relative;isolation:isolate;overflow:hidden}
.ct3-panel::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(70% 60% at 0% 100%,rgba(232,122,0,.18),transparent 60%)}
.ct3-panel-inner{padding:clamp(56px,6vw,96px) clamp(32px,4vw,48px) clamp(48px,5vw,72px);display:flex;flex-direction:column;gap:0;height:100%}
#main-content.ct3 .ct3-display{font-size:clamp(48px,5.2vw,82px);margin:clamp(24px,3vw,40px) 0 24px;max-width:12ch}
.ct3-person{display:flex;align-items:center;gap:20px;margin-top:40px;padding:20px;border:1px solid var(--line-light);border-radius:22px;background:rgba(255,255,255,.05)}
.ct3-person img{width:76px;height:76px;border-radius:50%;object-fit:cover;flex:none;box-shadow:0 0 0 3px var(--orange)}
.ct3-person-name{font:400 24px/1.15 var(--serif)}
.ct3-person-role{margin-top:6px!important;font-size:14px;color:rgba(255,255,255,.72)}
.ct3-langs{display:flex;gap:6px;margin-top:12px!important}
.ct3-langs span{font:600 12px/1 var(--sans);border:1px solid rgba(255,255,255,.4);border-radius:99px;padding:6px 10px}
.ct3-proof{display:flex;align-items:center;gap:14px;margin-top:32px}
.ct3-proof .sv3-stars{margin:0}
.ct3-proof .sv3-stars i{width:20px;height:20px}
.ct3-proof p{font-size:15px;color:rgba(255,255,255,.8)}
.ct3-proof strong{font:400 22px/1 var(--serif);color:#fff;margin-right:4px}
.ct3-proof a{color:#fff;text-underline-offset:3px}
.ct3-quote{margin-top:22px!important;padding-left:20px;border-left:2px solid var(--orange)}
.ct3-quote p{font:400 19px/1.45 var(--serif);color:rgba(255,255,255,.88)}
.ct3-quote figcaption{margin-top:10px;font-size:13px;color:rgba(255,255,255,.65)}
.ct3-formside{background:var(--cream);padding:clamp(40px,5vw,80px) clamp(32px,4vw,48px) clamp(40px,5vw,72px);display:flex;flex-direction:column;justify-content:center}
#main-content.ct3 .ypn-form-card{background:#fff;border-radius:28px;padding:clamp(28px,3.4vw,48px);box-shadow:0 40px 80px -40px rgba(0,31,61,.45);border:1px solid var(--line);max-width:none;margin:0}
#main-content#main-content.ct3 .ypn-form-title{font:400 clamp(30px,2.8vw,40px)/1.05 var(--serif);color:var(--navy);margin:0 0 6px;text-align:left}
#main-content.ct3 .ypn-form-required{font-size:14px;color:var(--muted);margin:0 0 24px}
#main-content.ct3 .ypn-field{margin:0 0 18px}
#main-content.ct3 .ypn-field label{display:block;font:600 13px/1 var(--sans);letter-spacing:.06em;text-transform:uppercase;color:var(--navy);margin-bottom:10px}
#main-content.ct3 .ypn-field input,#main-content.ct3 .ypn-field select,#main-content.ct3 .ypn-field textarea{width:100%;font:400 17px/1.4 var(--sans);color:var(--navy);background:var(--paper);border:1.5px solid #8a94a0;border-radius:14px;padding:14px 16px;min-height:54px;transition:border-color .2s,background .2s,box-shadow .2s}
#main-content.ct3 .ypn-field textarea{min-height:130px;resize:vertical}
#main-content.ct3 .ypn-field input:hover,#main-content.ct3 .ypn-field select:hover,#main-content.ct3 .ypn-field textarea:hover{border-color:var(--navy)}
#main-content.ct3 .ypn-field input:focus,#main-content.ct3 .ypn-field select:focus,#main-content.ct3 .ypn-field textarea:focus{outline:none;border-color:var(--navy);background:#fff;box-shadow:0 0 0 3px var(--cream),0 0 0 5px var(--navy)}
#main-content.ct3 .ypn-field [aria-invalid="true"]{border-color:#b42318}
#main-content.ct3 .ypn-field-error{margin-top:8px;font-size:14px;color:#b42318}
#main-content.ct3 #contact-form button[type=submit]{width:100%;height:60px;border:0;border-radius:999px;background:var(--orange);color:var(--navy);font:600 17px/1 var(--sans);display:flex;align-items:center;justify-content:center;gap:10px;cursor:pointer;margin-top:8px;transition:background .25s,transform .25s}
#main-content.ct3 #contact-form button[type=submit]:hover{background:var(--navy);color:#fff}
#main-content.ct3 #contact-form button[type=submit]:focus-visible{outline:2px solid var(--navy);outline-offset:4px}
#main-content.ct3 .ypn-form-note,#main-content.ct3 .ypn-form-alert{margin-top:16px;font-size:15px;line-height:1.55;border-radius:14px;padding:14px 16px;background:var(--cream);color:var(--navy)}
#main-content.ct3 .ypn-form-alert{background:#fdecea;color:#7a1a12}
#main-content.ct3 .ypn-form-note a,#main-content.ct3 .ypn-form-alert a{color:inherit}
#main-content.ct3 .ypn-form-success{background:#fff;border-radius:28px;padding:48px;box-shadow:0 40px 80px -40px rgba(0,31,61,.45)}
#main-content#main-content.ct3 .ypn-form-success h2{font:400 44px/1 var(--serif);color:var(--navy)}
#main-content.ct3 .ypn-form-success p{margin-top:14px;font-size:17px;color:#2a3a4a}
.ct3-direct{margin-top:20px!important;text-align:center;font-size:15px;color:var(--muted)}
.ct3-direct a{color:var(--navy);font-weight:600}
.ct3-steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px;counter-reset:s}
.ct3-steps li{position:relative;background:#fff;border:1px solid var(--line);border-radius:26px;padding:32px 30px 34px;min-height:260px;display:flex;flex-direction:column}
.ct3-steps li:not(:last-child)::after{content:"";position:absolute;top:50px;right:-21px;width:22px;height:2px;background:var(--navy)}
.ct3-step-n{font:400 64px/.9 var(--serif);color:var(--navy);letter-spacing:-.04em}
#main-content.ct3 .ct3-steps h3{font:400 28px/1.15 var(--serif);color:var(--navy);margin:auto 0 12px;padding-top:36px}
.ct3-steps p{font-size:16px;line-height:1.55;color:var(--muted)}
.ct3-steps li.is-accent{background:var(--navy);border-color:var(--navy)}
.ct3-steps li.is-accent .ct3-step-n{color:var(--orange)}
#main-content.ct3 .ct3-steps li.is-accent h3{color:#fff}
.ct3-steps li.is-accent p{color:rgba(255,255,255,.75)}
.ct3-channels{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.ct3-channels li>a,.ct3-ch-static{position:relative;display:flex;flex-direction:column;gap:14px;padding:30px 32px;border:1px solid var(--line);border-radius:24px;text-decoration:none;color:var(--navy);min-height:150px;justify-content:flex-end;transition:background .35s,color .35s,border-color .35s}
.ct3-channels li>a:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.ct3-channels svg{position:absolute;top:26px;right:26px;width:36px;height:36px;transition:transform .4s var(--ease)}
.ct3-channels li>a:hover svg{transform:rotate(45deg);color:var(--orange)}
.ct3-ch-k{font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--amber)}
.ct3-channels li>a:hover .ct3-ch-k{color:var(--orange)}
.ct3-ch-v{font:400 clamp(24px,2.4vw,36px)/1.1 var(--serif);letter-spacing:-.015em;overflow-wrap:anywhere}
.ct3-ch-static{background:var(--cream);border-color:var(--cream)}
.ct3-office{position:relative;min-height:clamp(520px,64vh,700px);display:flex;align-items:flex-end;overflow:hidden;isolation:isolate}
.ct3-office-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.ct3-office::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(0deg,rgba(0,31,61,.65),rgba(0,31,61,.05) 60%)}
.ct3-office-wrap{padding-bottom:clamp(40px,5vw,72px)}
.ct3-office-card{background:rgba(251,248,242,.96);backdrop-filter:blur(12px);border-radius:28px;padding:clamp(28px,3.4vw,48px);max-width:560px;box-shadow:0 40px 80px -30px rgba(0,0,0,.5)}
#main-content.ct3 .ct3-office-h{font:400 clamp(30px,3vw,44px)/1.1 var(--serif);color:var(--navy);letter-spacing:-.02em}
.ct3-office-h span{color:#cc6800}
.ct3-office-card address{font-style:normal;margin-top:20px;font-size:16px;line-height:1.6;color:#2a3a4a}
.ct3-trust{margin-inline:auto!important;text-align:center;max-width:30ch!important}
@media (max-width:1000px){
  .ct3-hero{grid-template-columns:1fr;background:none;min-height:0}
  .ct3-panel-inner{padding:48px 24px 40px}
  .ct3-formside{padding:32px 20px 48px}
  .ct3-quote{display:none}
}
@media (max-width:900px){.ct3-steps,.ct3-channels{grid-template-columns:1fr}.ct3-steps li:not(:last-child)::after{display:none}}
@media (max-width:640px){
  #main-content.ct3 .ct3-display{font-size:42px}
  .ct3-person{padding:16px}.ct3-person img{width:60px;height:60px}
  #main-content.ct3 .ypn-form-card{padding:24px 20px;border-radius:22px}
  .ct3-office-card{padding:24px}
}

#main-content.ct3 .ct3-panel p{color:inherit}
#main-content.ct3 .ct3-person-name{color:#fff}
#main-content.ct3 .ct3-person-role,#main-content.ct3 .ct3-proof p{color:rgba(255,255,255,.78)}
#main-content.ct3 .ct3-langs span{color:#fff}
#main-content.ct3 .ct3-quote p{color:rgba(255,255,255,.88)}
#main-content.ct3 .ct3-quote blockquote{quotes:none;margin:0;padding:0;border:0}
#main-content.ct3 .ct3-quote blockquote::before,#main-content.ct3 .ct3-quote blockquote::after,#main-content.ct3 .ct3-quote p::before,#main-content.ct3 .ct3-quote p::after{content:none!important}
#main-content.ct3 #contact-form button[type=submit]{background:var(--orange);color:var(--navy);border-radius:999px}
#main-content.ct3 #contact-form button[type=submit]:hover{background:var(--navy);color:#fff}
#main-content.ct3 .ct3-direct{color:var(--muted)}
/* the homepage CTA rule is !important; match it only for the contact submit */
#main-content.ct3 #contact-form button[type=submit]{background-color:var(--orange)!important;color:var(--navy)!important}
#main-content.ct3 #contact-form button[type=submit]:hover{background-color:var(--navy)!important;color:#fff!important}
#main-content.ct3 .ct3-quote p{text-indent:0}
#main-content.ct3 .ct3-display{line-height:1.03}
@media (max-width:640px){.ct3-ch-v{font-size:22px}.ct3-channels li>a,.ct3-ch-static{min-height:120px;padding:24px}}
.ct3-jump{display:none}
@media (max-width:1000px){.ct3-jump{display:inline-flex;align-self:flex-start;margin-top:24px}.ct3-person{margin-top:28px}}
#contact-form-card{scroll-margin-top:90px}

/* ===== Services index (si3), 2026-10-02 =====
   References: Wealthsimple self-directed (Refero 9159fd15: sculptural strategy tiles), Wealthsimple benefits
   (0ef4e87d: image cards), Mercury (349a65db: stat row). Mosaic drifts; static under reduced motion. */
.si3-hero-media{background:var(--navy-2);min-width:0;width:100%}
.si3-hero-media::after{background:linear-gradient(90deg,var(--navy) 0,rgba(0,31,61,0) 18%),linear-gradient(0deg,var(--navy) 0,rgba(0,31,61,0) 16%),linear-gradient(180deg,var(--navy) 0,rgba(0,31,61,0) 14%)}
.si3-mosaic{position:absolute;inset:-40px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:14px;padding:0 14px;transform:rotate(-4deg) scale(1.12)}
.si3-col{display:flex;flex-direction:column;gap:14px;animation:si3-up 46s linear infinite}
.si3-col--down{animation-name:si3-down;animation-duration:52s}
.si3-col li{border-radius:18px;overflow:hidden;aspect-ratio:4/4.6;flex:none}
.si3-col img{width:100%;height:100%;object-fit:cover}
@keyframes si3-up{to{transform:translateY(-50%)}}
@keyframes si3-down{from{transform:translateY(-50%)}to{transform:translateY(0)}}
.si3-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.si3-card a{position:relative;display:flex;flex-direction:column;height:100%;background:#fff;border:1px solid var(--line);border-radius:26px;overflow:hidden;text-decoration:none;color:var(--navy);transition:transform .5s var(--ease),box-shadow .5s var(--ease)}
.si3-card a:hover{transform:translateY(-6px);box-shadow:0 30px 60px -30px rgba(0,31,61,.4)}
.si3-card figure{aspect-ratio:16/10;overflow:hidden;background:var(--navy)}
.si3-card figure img{width:100%;height:100%;object-fit:cover;transition:transform 1.2s var(--ease)}
.si3-card a:hover figure img{transform:scale(1.06)}
.si3-card-body{padding:26px 28px 30px;display:flex;flex-direction:column;gap:12px}
.si3-card-n{font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--amber)}
#main-content.si3 .si3-card h3{font:400 clamp(24px,2.1vw,30px)/1.12 var(--serif);color:var(--navy);letter-spacing:-.015em}
.si3-card p{font-size:15px;line-height:1.6;color:var(--muted)}
.si3-card-arrow{position:absolute;top:18px;right:18px;width:44px;height:44px;padding:10px;border-radius:50%;background:#fff;color:var(--navy);transition:transform .45s var(--ease),background .3s}
.si3-card a:hover .si3-card-arrow{transform:rotate(45deg);background:var(--orange)}
.si3-card a:focus-visible{outline:2px solid var(--navy);outline-offset:4px}
.si3-pillar{margin-top:20px;display:grid;grid-template-columns:auto 1fr auto;grid-template-rows:auto auto;column-gap:clamp(24px,4vw,56px);row-gap:10px;align-items:center;background:var(--navy);color:#fff;border-radius:28px;padding:clamp(28px,3.4vw,48px);text-decoration:none;transition:background .35s}
.si3-pillar:hover{background:var(--navy-2)}
.si3-pillar:focus-visible{outline:2px solid var(--navy);outline-offset:4px}
.si3-pillar-k{grid-row:span 2;font:600 12px/1.2 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--orange);max-width:12ch}
.si3-pillar-t{font:400 clamp(26px,2.8vw,40px)/1.1 var(--serif);letter-spacing:-.02em}
.si3-pillar-d{grid-column:2;font-size:16px;line-height:1.55;color:rgba(255,255,255,.75);max-width:60ch}
.si3-pillar .sv3-btn{grid-column:3;grid-row:1/3}
@media (max-width:1100px){.si3-grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:900px){
  .si3-hero-media{aspect-ratio:auto;height:420px}
  .si3-pillar{grid-template-columns:1fr}.si3-pillar-k,.si3-pillar-d,.si3-pillar .sv3-btn{grid-column:auto;grid-row:auto}
  .si3-pillar .sv3-btn{justify-self:start;margin-top:12px}
}
@media (max-width:640px){.si3-grid{grid-template-columns:1fr}.si3-hero-media{height:340px}}
@media (prefers-reduced-motion:reduce){.si3-col{animation:none!important}}
#main-content.sv3 .sv3-display{margin-bottom:32px}
.si3-pillar-k{max-width:none;min-width:11ch;overflow-wrap:normal;word-break:normal}

/* ===== Outsourced accounting pillar (pl3), 2026-10-02 =====
   Reference: Glorify vs Kittl (Refero 9d252e25: dark "vs" section, highlighted winning column, checks vs crosses). */
.pl3-covers-side{position:sticky;top:110px}
.pl3-intro{margin-top:24px!important;font-size:19px;line-height:1.6;color:#2a3a4a;max-width:34ch}
.pl3-index .sv3-index-t{display:flex;flex-direction:column;gap:8px}
.pl3-index .sv3-index-t strong{font-weight:400}
.pl3-index .sv3-index-t span{font:400 16px/1.55 var(--sans);color:var(--muted)}
.pl3-vs{display:grid;grid-template-columns:1.08fr 1fr;gap:20px;align-items:stretch}
.pl3-vs-col{border:1px solid var(--line-light);border-radius:28px;padding:clamp(28px,3.4vw,44px);background:rgba(255,255,255,.04)}
.pl3-vs-col--win{background:var(--cream);color:var(--navy);border-color:var(--cream);box-shadow:0 40px 80px -40px rgba(0,0,0,.6);transform:translateY(-12px)}
#main-content.pl3 .pl3-vs-col h3{font:400 clamp(28px,2.6vw,38px)/1.1 var(--serif);color:#fff;margin-bottom:24px;display:flex;flex-direction:column;align-items:flex-start;gap:14px}
#main-content.pl3 .pl3-vs-col--win h3{color:var(--navy)}
.pl3-vs-tag{font:600 11px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;background:var(--orange);color:var(--navy);border-radius:99px;padding:8px 12px}
.pl3-vs-col li{display:flex;gap:14px;align-items:flex-start;padding:16px 0;border-top:1px solid var(--line-light);font-size:17px;line-height:1.45;color:rgba(255,255,255,.82)}
.pl3-vs-col--win li{border-color:var(--line);color:var(--navy)}
.pl3-mark{flex:none;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;border:1.5px solid rgba(255,255,255,.4);color:rgba(255,255,255,.75)}
.pl3-mark svg{width:16px;height:16px}
.pl3-mark--yes{background:var(--orange);border-color:var(--orange);color:var(--navy)}
.pl3-vs-note{margin-top:32px!important;max-width:70ch;font-size:16px;line-height:1.6;color:rgba(255,255,255,.72)}
.pl3-docs{grid-template-columns:repeat(3,minmax(0,1fr))}
.pl3-from{margin-top:24px;display:flex;align-items:baseline;flex-wrap:wrap;gap:14px 18px;background:var(--orange);color:var(--navy);border-radius:28px;padding:clamp(28px,3.4vw,44px)}
.pl3-from-k{font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase}
.pl3-from-v{font:400 clamp(56px,7vw,104px)/.9 var(--serif);letter-spacing:-.045em}
.pl3-from-u{font-size:18px;font-weight:600}
.pl3-from .sv3-btn{margin-left:auto;align-self:center;border-color:var(--navy);color:var(--navy)}
.pl3-from .sv3-btn:hover{background:var(--navy);color:#fff}
.pl3-from .sv3-btn:focus-visible{outline-color:var(--navy)}
.pl3-who{grid-template-columns:repeat(5,minmax(0,1fr))}
.pl3-who .sv3-tile h3{font-size:clamp(20px,1.7vw,26px)}
.sv3-faq-item summary{display:flex;justify-content:space-between;gap:20px}
.sv3-faq-item summary::after{content:"+";font:300 30px/1 var(--sans);color:var(--amber);transition:transform .3s}
.sv3-faq-item[open] summary::after{transform:rotate(45deg)}
.sv3-faq-item summary::-webkit-details-marker{display:none}
.sv3-faq-item summary:focus-visible{outline:2px solid var(--navy);outline-offset:4px}
.sv3-faq-item p a{color:var(--navy)}
@media (max-width:1100px){.pl3-who{grid-template-columns:repeat(3,minmax(0,1fr))}.pl3-docs{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:900px){.pl3-covers-side{position:static}.pl3-vs{grid-template-columns:1fr}.pl3-vs-col--win{transform:none}.pl3-docs{grid-template-columns:1fr}.pl3-from .sv3-btn{margin-left:0}}
@media (max-width:640px){.pl3-who{grid-template-columns:1fr}}
.pl3 .sv3-proof-grid{border-bottom:0;padding-bottom:0}

/* ===== Site a11y audit fixes (docs/website-design/qa/site-a11y.md, 2026-10-02) ===== */
/* B1 */ .sv3-step .sv3-step-date{color:var(--navy)}
@media (min-width:1101px){
  .sv3-steps--track{position:relative;padding-top:60px}
  .sv3-steps--track::before{content:"";position:absolute;left:0;right:0;top:41px;height:2px;background:rgba(232,122,0,.45)}
  .sv3-steps--track .sv3-step .sv3-step-date{position:absolute;top:-60px;left:26px;margin:0;padding:0;background:none;border-radius:0;color:var(--orange);font:400 17px/1 var(--serif);height:48px}
  .sv3-steps--track .sv3-step-date::after{content:"";position:absolute;left:0;top:34px;width:14px;height:14px;border-radius:50%;background:var(--orange);box-shadow:0 0 0 5px rgba(232,122,0,.22)}
}
/* B2 */ #main-content.sv3 .sv3-cta .sv3-eyebrow{color:#fff}
/* B3 */ .sv3-tile--dark::after{content:"";position:absolute;inset:auto 0 0;height:62%;background:linear-gradient(0deg,rgba(0,20,40,.9) 55%,transparent);pointer-events:none}
.sv3-tile:not(.sv3-tile--dark)::after{content:"";position:absolute;inset:auto 0 0;height:56%;background:linear-gradient(0deg,rgba(245,239,228,.97) 58%,rgba(245,239,228,0));pointer-events:none}
/* B4 */ @media (max-width:360px){#main-content.sv3 .sv3-display,#main-content.sv3 .sv3-display--long{font-size:36px;overflow-wrap:anywhere}}
@media (max-width:900px){.ab3-hero-row{grid-template-columns:minmax(0,1fr)}}
/* S1 pause control */ .sv3-ticker{position:relative}
.sv3-pause{position:absolute;right:16px;bottom:12px;z-index:2;height:32px;padding:0 12px;border-radius:99px;border:1px solid var(--navy);background:var(--cream);color:var(--navy);font:600 12px/1 var(--sans);cursor:pointer}
.sv3-ticker .sv3-pause{top:50%;bottom:auto;transform:translateY(-50%)}
.sv3-pause:focus-visible{outline:2px solid var(--navy);outline-offset:3px}
.sv3-pause[aria-pressed="true"]{background:var(--navy);color:#fff}
.sv3-paused .sv3-ticker-track,.sv3-paused .si3-col{animation-play-state:paused}
.sv3-ticker:hover .sv3-ticker-track,.sv3-ticker:focus-within .sv3-ticker-track{animation-play-state:paused}
@media (prefers-reduced-motion:reduce){.sv3-pause{display:none}}
/* S4 forced colours */ .sv3-btn--orange,.pr3-result-link,#main-content.ct3 #contact-form button[type=submit]{border:1px solid transparent}
.sv3-stars i{forced-color-adjust:none}
@media (forced-colors:active){#ypn-transactions::-webkit-slider-runnable-track{background:GrayText}#ypn-transactions::-moz-range-track{background:GrayText}}
#main-content.pr3 #ypn-calculator-tier{margin-top:28px}
/* S5 */ #main-content.sv3 h2.sv3-eyebrow{color:var(--amber);font:600 12px/1 var(--sans);letter-spacing:.16em}
/* S6 */ .ab3-names::before{content:none}
.ab3-names .ab3-names-k{flex-basis:100%;font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--amber)}
/* S7 */ @media (max-width:900px) and (orientation:landscape){.sv3-hero-media{aspect-ratio:16/7}}
/* S10 */ .ct3-formside a:focus-visible,.ct3-office-card a:focus-visible{outline-color:var(--navy)}

/* ===== Thai tax forms (tf3), blog (bl3), author (au3), 2026-10-02 ===== */
.tf3-table-wrap{overflow-x:auto;border-radius:24px;border:1px solid var(--line);background:#fff}
.tf3-table-wrap:focus-visible{outline:2px solid var(--navy);outline-offset:3px}
.tf3-table{width:100%;border-collapse:collapse;min-width:720px}
.tf3-table th,.tf3-table td{text-align:left;padding:18px 22px;border-bottom:1px solid var(--line);font-size:16px;line-height:1.45;color:#2a3a4a;vertical-align:top}
.tf3-table thead th{font:600 12px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--amber);background:var(--paper)}
.tf3-table tbody th a{font:400 22px/1.1 var(--serif);color:var(--navy);text-decoration:none;white-space:nowrap;border-bottom:1px solid var(--line)}
.tf3-table tbody th a:hover{border-color:var(--navy)}
.tf3-table tbody tr:last-child th,.tf3-table tbody tr:last-child td{border-bottom:0}
.tf3-year{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:8px}
.tf3-month{min-height:150px;border-radius:16px;border:1px solid var(--line-light);padding:14px 10px;display:flex;flex-direction:column;gap:8px;background:rgba(255,255,255,.03)}
.tf3-month.has-event{background:var(--cream);border-color:var(--cream)}
.tf3-m{font:600 12px/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.7)}
.tf3-month.has-event .tf3-m{color:var(--amber)}
.tf3-ev{font:400 16px/1.15 var(--serif);color:var(--navy);border-top:1px solid var(--line);padding-top:8px}
.tf3-every{display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin-top:20px}
.tf3-every-k{font:600 12px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--orange)}
.tf3-pill{font-size:15px;color:#fff;border:1px solid var(--line-light);border-radius:99px;padding:10px 16px}
.tf3-pill b{color:var(--orange);font-weight:600;margin-left:6px}
.tf3-blocks .sv3-wrap{display:flex;flex-direction:column;gap:clamp(64px,8vw,112px)}
.tf3-block{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:clamp(40px,6vw,96px);align-items:start;scroll-margin-top:100px}
.tf3-block:nth-child(even) .tf3-block-media{order:2}
.tf3-block-media{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:14px}
.tf3-sheet .sv3-sheet{aspect-ratio:4/4.6}
#main-content.tf3 .tf3-h{font:400 clamp(32px,3.6vw,52px)/1.05 var(--serif);letter-spacing:-.02em;color:var(--navy);margin-bottom:22px}
.tf3-block-body p{font-size:18px;line-height:1.65;color:#2a3a4a;margin-bottom:16px!important}
.tf3-list{margin:0 0 18px!important}
.tf3-list li{position:relative;padding:12px 0 12px 22px;border-top:1px solid var(--line);font-size:17px;line-height:1.55;color:#2a3a4a;scroll-margin-top:100px}
.tf3-list li::before{content:"";position:absolute;left:0;top:23px;width:10px;height:2px;background:var(--orange)}
.tf3-list strong{font-weight:600;color:var(--navy)}
.tf3-list a,.tf3-note a{color:var(--navy)}
.tf3-facts{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:8px}
.tf3-facts div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px 18px}
.tf3-facts dt{font:600 11px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--amber);margin-bottom:8px}
.tf3-facts dd{font:400 19px/1.3 var(--serif);color:var(--navy);margin:0}
.tf3-note{font-size:16px!important;background:var(--cream);border-radius:14px;padding:14px 16px}
.tf3-inc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(40px,6vw,96px);align-items:center}
.tf3-inc .sv3-actions{margin-top:28px}
.tf3-inc .sv3-still{aspect-ratio:16/11}
.bl3-guides{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.bl3-guide a{position:relative;display:grid;grid-template-columns:minmax(0,2fr) minmax(0,3fr);height:100%;background:#fff;border:1px solid var(--line);border-radius:28px;overflow:hidden;text-decoration:none;color:var(--navy);transition:transform .5s var(--ease),box-shadow .5s var(--ease)}
.bl3-guide a:hover{transform:translateY(-6px);box-shadow:0 30px 60px -30px rgba(0,31,61,.4)}
.bl3-guide a:focus-visible{outline:2px solid var(--navy);outline-offset:4px}
.bl3-guide figure{min-height:300px;overflow:hidden;background:var(--navy)}
.bl3-guide figure img{width:100%;height:100%;object-fit:cover;transition:transform 1.2s var(--ease)}
.bl3-guide a:hover figure img{transform:scale(1.05)}
.bl3-guide div{padding:32px;display:flex;flex-direction:column;gap:14px;justify-content:flex-end}
#main-content.bl3 .bl3-guide h3{font:400 clamp(24px,2.2vw,32px)/1.12 var(--serif);color:var(--navy)}
.bl3-guide p{font-size:16px;line-height:1.55;color:var(--muted)}
.bl3-guide:hover .si3-card-arrow,.bl3-guide a:hover .si3-card-arrow{transform:rotate(45deg);background:var(--orange)}
.bl3-empty{border:1.5px dashed rgba(0,31,61,.3);border-radius:28px;padding:clamp(32px,4vw,56px);text-align:center;color:var(--muted);font-size:17px;line-height:1.6}
.bl3-empty-h{font:400 clamp(26px,2.6vw,36px)/1.15 var(--serif);color:var(--navy);margin-bottom:12px!important}
.bl3-empty a{color:var(--navy)}
.bl3-grid:empty{display:none}
.au3-hero{background:var(--navy);color:#fff;padding:clamp(56px,7vw,104px) 0;position:relative;isolation:isolate;overflow:hidden}
.au3-hero::before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(60% 80% at 100% 0%,rgba(232,122,0,.16),transparent 60%)}
.au3-hero-grid{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:clamp(40px,6vw,96px);align-items:center}
.au3-portrait{border-radius:32px;overflow:hidden;aspect-ratio:4/5;box-shadow:0 50px 90px -40px rgba(0,0,0,.6)}
.au3-portrait img{width:100%;height:100%;object-fit:cover;object-position:60% 30%}
#main-content.au3 .au3-name{font-size:clamp(56px,7vw,112px);margin:28px 0 24px}
.au3-intro .sv3-hero-facts{margin-top:40px;padding-top:0}
.au3-intro .sv3-actions{margin-top:36px}
.au3-creds{margin-top:8px!important}
.au3-creds li{color:var(--navy)}
@media (max-width:1100px){.tf3-year{grid-template-columns:repeat(6,minmax(0,1fr))}}
@media (max-width:900px){.tf3-block,.tf3-inc,.au3-hero-grid,.bl3-guides{grid-template-columns:1fr}.tf3-block:nth-child(even) .tf3-block-media{order:0}.bl3-guide a{grid-template-columns:1fr}.bl3-guide figure{min-height:0;aspect-ratio:16/10}}
@media (max-width:640px){.tf3-year{grid-template-columns:repeat(3,minmax(0,1fr))}.tf3-month{min-height:110px}.tf3-facts{grid-template-columns:1fr}}
#main-content.sv3 .tf3-block-body a,#main-content.sv3 .tf3-note a,#main-content.sv3 .bl3-empty a,#main-content.sv3 .sv3-faq-item p a{text-decoration:underline;text-underline-offset:3px;color:var(--navy)}
.tf3-sheet .sv3-sheet-code{font-size:clamp(20px,1.7vw,28px);white-space:nowrap}
.tf3-block-media:has(.tf3-sheet:only-child) .sv3-sheet-code{font-size:clamp(32px,3.2vw,48px)}
/* q1 / q3 filled (2026-10-02) */
.si3-clients{margin-top:18px!important;font-size:16px;color:var(--muted)}
.si3-clients strong{font:400 28px/1 var(--serif);color:var(--navy);margin-right:6px}
.ab3-pending{display:flex;gap:16px;margin:0 0 36px}
.ab3-pending div{flex:1;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 20px}
.ab3-pending dt{font:600 11px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;color:var(--amber);margin-bottom:10px}
.ab3-pending dd{font:400 clamp(36px,3.4vw,48px)/1 var(--serif);color:var(--navy);margin:0}
#main-content.ct3 .ypn-form-privacy{margin-top:14px!important;font-size:13px;line-height:1.5;color:var(--muted)}