/* itss-ibs.com (#32): the one stylesheet of every page. Design approved 2026-10-03 (docs/site-brief.md,
   "Design and content"): deep-navy heroes with product composites, pale-blue paper sections alternating with
   dark ones. ITSS brand: navy/royal-blue structure, amber only as the accent (actions, figures, the upward
   triangle before section titles). Fonts are self-hosted (fonts/, SIL OFL): no request leaves the site. */

/* ---------- fonts ---------- */
@font-face{font-family:"Poppins";font-style:normal;font-weight:500;font-display:swap;src:url(/fonts/poppins-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"Poppins";font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/poppins-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"Poppins";font-style:normal;font-weight:700;font-display:swap;src:url(/fonts/poppins-latin-700-normal.woff2) format("woff2")}
@font-face{font-family:"Montserrat";font-style:normal;font-weight:400;font-display:swap;src:url(/fonts/montserrat-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"Montserrat";font-style:normal;font-weight:500;font-display:swap;src:url(/fonts/montserrat-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"Montserrat";font-style:normal;font-weight:600;font-display:swap;src:url(/fonts/montserrat-latin-600-normal.woff2) format("woff2")}

:root{
  --ink:#10224C;        /* hero / footer ground */
  --ink-2:#172C5E;      /* raised dark surface */
  --ink-line:#2A3F73;   /* hairlines on dark */
  --paper:#F3F6FA;      /* light section ground */
  --card:#FFFFFF;
  --text:#0D1A3A;       /* text on light */
  --muted:#58637D;      /* secondary text on light */
  --on-ink:#E9EDF7;     /* text on dark */
  --on-ink-muted:#9DB0D8;
  --amber:#FCAF17;      /* accent: actions, money */
  --amber-ink:#2A1A00;  /* text on amber */
  --teal:#3CC6B4;       /* confirmations / "saved" */
  --line:#DCE4EE;
  --royal:#1F4397;
  --pale:#E1E9F0;
  --danger:#B42318;
  --f-display:"Poppins", Arial, system-ui, sans-serif;
  --f-body:"Montserrat", Arial, system-ui, sans-serif;
  --f-mono:ui-monospace, "SF Mono", Menlo, Consolas, "Liberation Mono", monospace;
  --r:14px;
  color-scheme: light;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--paper);color:var(--text);font-family:var(--f-body);font-size:16px;line-height:1.55;overflow-x:hidden}
a{color:inherit}
img{max-width:100%}
[hidden]{display:none !important}
.wrap{max-width:1180px;margin:0 auto;padding-inline:24px}
@media (max-width:520px){.wrap{padding-inline:16px}}
h1,h2,h3{font-family:var(--f-display);text-wrap:balance;margin:0;letter-spacing:-.015em}
.eyebrow::before{content:"";display:inline-block;width:0;height:0;border-left:6px solid transparent;border-right:6px solid transparent;border-bottom:10px solid var(--amber);margin-right:9px;vertical-align:1px}
.eyebrow{font-size:12px;letter-spacing:.14em;text-transform:uppercase;font-weight:600}
.h2-xl{font-size:clamp(30px,3.6vw,44px);line-height:1.08;font-weight:700}
.h2-l{font-size:clamp(28px,3.2vw,40px);line-height:1.1;font-weight:700}
.p-muted{color:var(--muted);max-width:34em}

/* ---------- focus and skip link ---------- */
:focus-visible{outline:3px solid var(--royal);outline-offset:3px}
.hero :focus-visible,.bo :focus-visible,.db-block :focus-visible,.cta-band :focus-visible,footer :focus-visible,.btn:focus-visible{outline-color:var(--amber)}
.skip{position:absolute;left:16px;top:-60px;z-index:10;background:var(--amber);color:var(--amber-ink);padding:10px 16px;border-radius:999px;font-weight:600;text-decoration:none}
.skip:focus{top:12px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 20px;border-radius:999px;font-weight:600;text-decoration:none;font-size:15px;border:1px solid transparent;cursor:pointer;font-family:inherit;line-height:1.3}
.btn-primary{background:var(--amber);color:var(--amber-ink)}
.btn-primary:hover{background:#FFC042}
.btn-ghost{border-color:var(--ink-line);color:var(--on-ink)}
.btn-ghost:hover{border-color:var(--on-ink-muted)}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{background:var(--royal)}
.btn-nav{padding:9px 16px}
.btn-sm{align-self:flex-end;padding:8px 14px;font-size:13px}
.btn[disabled]{opacity:.6;cursor:default}

/* ---------- header + hero ---------- */
.hero{background:var(--ink);color:var(--on-ink);position:relative;overflow:hidden;overflow:clip}
.hero::before{content:"";position:absolute;inset:-30% -10% auto auto;width:900px;height:900px;
  background:radial-gradient(closest-side,rgba(31,67,151,.55),transparent 70%);pointer-events:none}
.hero::after{content:"";position:absolute;inset:auto auto -40% -15%;width:800px;height:800px;
  background:radial-gradient(closest-side,rgba(252,175,23,.10),transparent 70%);pointer-events:none}
.nav{position:relative;z-index:2;display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:22px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo img{height:24px;width:auto;display:block}
.logo span{font-size:12px;color:var(--on-ink-muted);border-left:1px solid var(--ink-line);padding-left:10px}
.navlinks{display:flex;align-items:center;gap:26px;font-size:15px;color:var(--on-ink-muted)}
.navlinks a{text-decoration:none}
.navlinks a:hover,.navlinks a[aria-current="page"]{color:var(--on-ink)}
.navlinks .btn-primary,.navlinks .btn-primary:hover{color:var(--amber-ink)}
.lang{font-family:var(--f-mono);font-size:12px;display:flex;gap:6px}
.lang a{padding:2px 6px;border-radius:5px;text-decoration:none}
.lang a[aria-current]{background:var(--ink-2);color:var(--on-ink)}
@media (max-width:900px){.navlinks .hide-m{display:none}}
/* Phone menu: a <details> disclosure shown only where the links above are hidden */
.mnav{display:none;position:relative}
.mnav summary{list-style:none;cursor:pointer;display:grid;place-items:center;width:44px;height:44px;border-radius:12px;border:1px solid var(--ink-line);color:var(--on-ink)}
.mnav summary::-webkit-details-marker{display:none}
.mnav summary:focus-visible{outline:3px solid var(--amber);outline-offset:3px}
.burger{display:grid;gap:4px}
.burger i{display:block;width:18px;height:2px;border-radius:2px;background:currentColor;transition:transform .2s ease,opacity .2s ease}
.mnav[open] .burger i:nth-child(1){transform:translateY(6px) rotate(45deg)}
.mnav[open] .burger i:nth-child(2){opacity:0}
.mnav[open] .burger i:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
.mnav-panel{position:absolute;right:0;top:calc(100% + 10px);min-width:230px;display:grid;gap:4px;padding:10px;border-radius:14px;background:var(--ink-2);border:1px solid var(--ink-line);box-shadow:0 24px 50px -20px rgba(0,0,0,.6);z-index:20}
.mnav-panel>a{padding:12px 12px;border-radius:10px;color:var(--on-ink);text-decoration:none;font-weight:500}
.mnav-panel>a:hover,.mnav-panel>a[aria-current="page"]{background:rgba(255,255,255,.08)}
.mnav-panel .lang{display:flex;padding:8px 6px 2px;border-top:1px solid var(--ink-line);margin-top:4px}
.mnav-panel .lang a{padding:6px 10px}
.mnav-panel .lang a[aria-current]{background:rgba(255,255,255,.14)}
@media (max-width:900px){.mnav{display:block}.navlinks>.lang{display:none}}
@media (prefers-reduced-motion:reduce){.burger i{transition:none}}
@media (max-width:400px){.navlinks{gap:12px}.logo span{display:none}}
.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.02fr 1fr;gap:56px;align-items:center;padding-block:48px 88px}
.hero-grid.single{grid-template-columns:1fr}
@media (max-width:980px){.hero-grid{grid-template-columns:1fr;gap:44px;padding-block:24px 64px}}
.sub-hero .hero-grid{padding-block:40px 80px}
.hero .eyebrow{color:var(--on-ink);display:block}
.hero .eyebrow + h1{margin-top:16px}
.hero h1{font-size:clamp(38px,5.4vw,66px);line-height:1.02;font-weight:750}
.hero h1 em{font-style:normal;color:var(--amber)}
.lede{font-size:clamp(17px,1.6vw,19px);color:var(--on-ink-muted);max-width:34em;margin:22px 0 30px}
.ctas{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.fine{margin-top:18px;font-size:13.5px;color:var(--on-ink-muted);display:flex;flex-wrap:wrap;gap:6px 18px}
.fine i{font-style:normal;color:var(--teal)}
.kicker{display:inline-flex;align-items:center;gap:8px;font-size:13px;color:var(--on-ink-muted);text-decoration:none;margin-bottom:18px}
.kicker:hover{color:var(--on-ink)}

/* ---------- product composites (HTML recreations, to be replaced by real captures) ---------- */
.stage{position:relative;min-height:470px;min-width:0}
@media (max-width:520px){.stage{min-height:0;display:grid;gap:16px}}
.screen{background:#F7F8FB;color:var(--text);border-radius:16px;box-shadow:0 30px 80px -20px rgba(0,0,0,.6),0 0 0 1px rgba(255,255,255,.06);overflow:hidden}
.desk{position:absolute;inset:0 60px 70px 0}
@media (max-width:520px){.desk{position:static}}
.bar{display:flex;align-items:center;gap:6px;padding:10px 14px;background:#E9ECF3}
.bar i{width:9px;height:9px;border-radius:50%;background:#C9CFDC;flex:none}
.bar span{margin-left:10px;font-family:var(--f-mono);font-size:11px;color:var(--muted);overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.desk-body{display:grid;grid-template-columns:118px 1fr;min-height:330px}
@media (max-width:400px){.desk-body{grid-template-columns:92px 1fr}}
.side{background:#0F1730;color:#AEB8D2;padding:16px 12px;font-size:12px;display:flex;flex-direction:column;gap:9px}
.side b{color:#fff;font-family:var(--f-display);font-size:14px;margin-bottom:6px}
.side .on{color:#fff}
.main{padding:16px 18px;display:flex;flex-direction:column;gap:12px;min-width:0}
.main h4{margin:0;font-family:var(--f-display);font-size:15px}
.acct{display:flex;justify-content:space-between;align-items:baseline;gap:10px;padding:11px 12px;background:#fff;border:1px solid var(--line);border-radius:10px;font-size:12.5px;min-width:0}
.acct > div{min-width:0}
.acct small{display:block;color:var(--muted);font-family:var(--f-mono);font-size:10.5px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.acct .amt{font-family:var(--f-mono);font-weight:500;font-size:13.5px;white-space:nowrap}
.spark{height:54px;background:#fff;border:1px solid var(--line);border-radius:10px;padding:6px 10px}
.phone{position:absolute;right:0;bottom:0;width:250px;border-radius:30px;background:#0C1224;padding:9px;box-shadow:0 30px 70px -15px rgba(0,0,0,.75),0 0 0 1px rgba(255,255,255,.08)}
@media (max-width:520px){.phone{position:static;width:auto;max-width:330px}}
.phone .screen{border-radius:22px;box-shadow:none}
.chat-h{display:flex;align-items:center;gap:8px;padding:12px 12px 8px;font-size:12px;font-weight:600}
.dot{width:22px;height:22px;border-radius:7px;background:linear-gradient(140deg,var(--royal),#7291CB)}
.chat{padding:4px 10px 12px;display:flex;flex-direction:column;gap:8px;font-size:11.5px;line-height:1.4}
.me{align-self:flex-end;background:#12204A;color:#fff;border-radius:12px 12px 3px 12px;padding:8px 10px;max-width:88%}
.file{display:flex;gap:6px;align-items:center;margin-top:6px;background:rgba(255,255,255,.12);border-radius:7px;padding:5px 7px;font-family:var(--f-mono);font-size:10px;overflow-wrap:anywhere}
.file.dark{background:var(--pale);color:var(--text)}
.ai{background:#fff;border:1px solid var(--line);border-radius:12px 12px 12px 3px;padding:8px 10px;max-width:94%}
.form{margin-top:7px;border:1px solid var(--line);border-radius:8px;overflow:hidden}
.form div{display:flex;justify-content:space-between;gap:8px;padding:5px 7px;font-size:10.5px;border-top:1px solid var(--line)}
.form div:first-child{border-top:0}
.form span{color:var(--muted)}
.form b{font-family:var(--f-mono);font-weight:500;text-align:right}
.otp{display:flex;align-items:center;gap:6px;margin-top:7px;font-size:10.5px;color:#0B6B5E;background:#E4F7F3;border-radius:7px;padding:5px 7px}
.chat .ai b{font-family:var(--f-mono);font-weight:500}
.chat .saved{align-self:flex-start;font-size:10.5px;color:#0B6B5E;background:#E4F7F3;border-radius:7px;padding:4px 7px}
.stage.solo-desk{min-height:400px}
.stage.solo-desk .desk{inset:0}
@media (max-width:520px){.stage.solo-desk{min-height:0}}
.stage.solo-phone{min-height:520px;display:flex;justify-content:center;align-items:center}
@media (max-width:520px){.stage.solo-phone{min-height:0}}
.stage.solo-phone .phone{position:static;width:300px;max-width:100%}
.stage.solo-phone .chat{font-size:12.5px}
.cap-phone{position:static;width:290px;max-width:100%;animation:none}
.voice{display:flex;align-items:center;gap:8px}
.voice .play{font-size:10px}
.voice .wave{display:flex;align-items:center;gap:2px;height:18px}
.voice .wave i{display:block;width:3px;border-radius:2px;background:rgba(255,255,255,.75)}
.voice .wave i:nth-child(3n){height:16px}.voice .wave i:nth-child(3n+1){height:8px}.voice .wave i:nth-child(3n+2){height:12px}
.voice small{font-family:var(--f-mono);font-size:10px;opacity:.8}

/* ---------- figures ---------- */
.figures{background:var(--ink);color:var(--on-ink);border-top:1px solid var(--ink-line)}
.fig-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding-block:30px}
@media (max-width:760px){.fig-grid{grid-template-columns:repeat(2,1fr)}}
.fig b{display:block;font-family:var(--f-display);font-size:34px;font-weight:650;letter-spacing:-.02em}
.fig span{color:var(--on-ink-muted);font-size:14px}

/* ---------- sections ---------- */
section{padding-block:96px}
@media (max-width:760px){section{padding-block:64px}}
.sec-head{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:end;margin-bottom:44px}
@media (max-width:860px){.sec-head{grid-template-columns:1fr}}
.sec-head h2{font-size:clamp(30px,3.6vw,44px);line-height:1.08;font-weight:700}
.sec-head p{color:var(--muted);margin:0;max-width:36em}
.eyebrow.c{color:var(--royal);margin-bottom:14px;display:block}
.flow-sec{background:var(--card);border-block:1px solid var(--line)}

/* home: product blocks */
.pblock{padding-block:96px}
@media (max-width:760px){.pblock{padding-block:64px}}
.pblock h2{font-size:clamp(30px,3.6vw,44px);line-height:1.08;font-weight:700;margin-top:12px}
.ai-block{background:linear-gradient(180deg,var(--pale),var(--paper));color:var(--text)}
.pb-head{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:end;margin-bottom:44px}
@media (max-width:860px){.pb-head{grid-template-columns:1fr}}
.ai-block .pb-head p{color:var(--muted);margin:0}
.pb-cases{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-bottom:40px}
@media (max-width:760px){.pb-cases{grid-template-columns:1fr}}
.pb-case{margin:0;display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:center;background:var(--card);border:1px solid var(--line);box-shadow:0 18px 40px -26px rgba(16,34,76,.35);border-radius:20px;padding:22px;min-width:0}
@media (max-width:1060px){.pb-case{grid-template-columns:1fr;justify-items:center;text-align:center}}
.pb-case .cap-phone{width:250px}
.pb-case figcaption b{display:block;font-family:var(--f-display);font-size:20px;font-weight:600;margin-bottom:6px}
.pb-case figcaption span{color:var(--muted);font-size:15px}
.db-block{background:linear-gradient(165deg,var(--ink),#0B1838 55%,var(--royal));color:var(--on-ink)}
.db-block .eyebrow.c{color:var(--amber)}
.db-block .pb-split p{color:var(--on-ink-muted)}
.db-block .chips2 span{background:rgba(255,255,255,.08);border-color:var(--ink-line);color:var(--on-ink)}
.db-block .stage.solo-desk{min-height:380px}
@media (max-width:520px){.db-block .stage.solo-desk{min-height:0}}
.pb-split{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center}
@media (max-width:980px){.pb-split{grid-template-columns:1fr}}
.pb-split > *{min-width:0}
.pb-split p{color:var(--muted);max-width:34em}
.chips2{display:flex;flex-wrap:wrap;gap:8px;margin:20px 0 28px}
.chips2 span{font-size:13.5px;padding:6px 12px;border-radius:999px;background:var(--card);border:1px solid var(--line)}

/* cards in two columns */
.diff{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.diff.one{grid-template-columns:1fr}
@media (max-width:760px){.diff{grid-template-columns:1fr}}
.diff article{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px;min-width:0}
.diff h3{font-size:18px;font-weight:650;margin-bottom:6px}
.diff p{margin:0;color:var(--muted);font-size:15px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.split > *{min-width:0}
@media (max-width:900px){.split{grid-template-columns:1fr}}

/* digital banking: modules */
.modgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media (max-width:980px){.modgrid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.modgrid{grid-template-columns:1fr}}
.mod{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:24px;min-width:0}
.mod .tag{font-size:12px;font-weight:600;color:var(--royal);letter-spacing:.04em;text-transform:uppercase}
.mod h3{font-size:20px;font-weight:650;margin:6px 0 10px}
.mod ul{margin:0;padding:0;list-style:none;display:grid;gap:7px;font-size:14.5px;color:var(--muted)}
.mod li{display:flex;gap:10px}
.mod li::before{content:"";flex:none;width:6px;height:6px;margin-top:9px;border-radius:2px;background:var(--amber)}
.mod .note-s{margin-top:12px;font-size:13px;color:var(--muted);border-top:1px dashed var(--line);padding-top:10px}

/* digital banking: corporate approvals */
.approve{display:grid;gap:22px;min-width:0}
.chain{display:grid;grid-template-columns:repeat(4,1fr);gap:0;align-items:stretch}
@media (max-width:620px){.chain{grid-template-columns:1fr 1fr;row-gap:14px}}
.node{position:relative;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:14px 12px;margin-right:22px;text-align:center;min-width:0}
.node:last-child{margin-right:0;background:var(--ink);color:var(--on-ink);border-color:var(--ink)}
.node:not(:last-child)::after{content:"";position:absolute;right:-17px;top:50%;width:12px;height:12px;border-top:2px solid var(--royal);border-right:2px solid var(--royal);transform:translateY(-50%) rotate(45deg)}
@media (max-width:620px){.node:nth-child(2)::after{display:none}.node:nth-child(2){margin-right:0}}
.node .who{display:grid;place-items:center;width:38px;height:38px;margin:0 auto 8px;border-radius:50%;background:var(--pale);color:var(--royal)}
.node .who svg{width:20px;height:20px}
.node:last-child .who{background:rgba(255,255,255,.12);color:var(--amber)}
.node b{display:block;font-size:14px;font-weight:600}
.node small{display:block;font-size:12px;color:var(--muted);margin-top:2px}
.node:last-child small{color:var(--on-ink-muted)}
.node.opt{border-style:dashed}
.tiers{display:grid;gap:0;border-radius:14px;overflow:hidden;border:1px solid var(--line)}
.tier{padding:12px 16px;display:flex;justify-content:space-between;gap:12px;font-size:14px}
.tier:nth-child(1){background:var(--pale)}
.tier:nth-child(2){background:#EEF2F8;margin-left:24px;border-left:3px solid var(--royal)}
.tier:nth-child(3){background:var(--card);margin-left:48px;border-left:3px solid var(--amber)}
.tier b{font-weight:600}.tier span{color:var(--muted);text-align:right}

/* back office (dark band) */
.bo{background:var(--ink);color:var(--on-ink)}
.bo .sec-head p{color:var(--on-ink-muted)}
.bo .eyebrow.c{color:var(--amber)}
.bo-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--ink-line);border:1px solid var(--ink-line);border-radius:var(--r);overflow:hidden}
@media (max-width:900px){.bo-grid{grid-template-columns:1fr}}
.bo-item{background:var(--ink-2);padding:24px}
.bo-item h3{font-size:17px;font-weight:600;margin-bottom:6px}
.bo-item p{margin:0;color:var(--on-ink-muted);font-size:14.5px}
.ico{width:40px;height:40px;border-radius:10px;display:grid;place-items:center;background:rgba(252,175,23,.12);color:var(--amber);margin-bottom:14px}
.ico svg{width:22px;height:22px}

/* security and integration */
.fw{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center}
.fw > *{min-width:0}
@media (max-width:900px){.fw{grid-template-columns:1fr}}
.fw ul{margin:22px 0 0;padding:0;list-style:none;display:grid;gap:14px}
.fw li b{display:block}
.fw li span{color:var(--muted);font-size:15px}
.cores{display:grid;grid-template-columns:auto 1fr;gap:18px;align-items:center;background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:22px}
@media (max-width:620px){.cores{grid-template-columns:1fr}}
.cores .hub{background:var(--ink);color:var(--on-ink);border-radius:12px;padding:16px 18px;font-family:var(--f-display);font-weight:600;text-align:center}
.cores ul{margin:0;padding:0;list-style:none;display:grid;gap:8px}
.cores li{display:flex;justify-content:space-between;gap:12px;font-size:14.5px;border-bottom:1px dashed var(--line);padding-bottom:8px}
.cores li:last-child{border:0;padding:0}
.cores li span{color:var(--muted);text-align:right}

/* AI assistant: how it works */
.howgrid{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:center}
.howgrid > *{min-width:0}
@media (max-width:900px){.howgrid{grid-template-columns:1fr}}
.vsteps{list-style:none;margin:0;padding:0;display:grid;gap:0;counter-reset:v}
.vsteps li{counter-increment:v;position:relative;padding:0 0 22px 44px}
.vsteps li::before{content:counter(v);position:absolute;left:0;top:0;width:28px;height:28px;border-radius:50%;display:grid;place-items:center;font-family:var(--f-mono);font-size:12px;background:var(--pale);color:var(--royal)}
.vsteps li:not(:last-child)::after{content:"";position:absolute;left:13.5px;top:32px;bottom:4px;width:1px;background:var(--line)}
.vsteps li.rule::before{background:var(--amber);color:var(--amber-ink)}
.vsteps b{display:block;font-family:var(--f-display);font-size:18px;font-weight:600}
.vsteps span{color:var(--muted);font-size:15px}
.deskshot{margin:0;background:#F7F8FB;border-radius:16px;overflow:hidden;box-shadow:0 30px 60px -28px rgba(16,34,76,.45),0 0 0 1px var(--line);min-width:0}
.ws{display:grid;grid-template-columns:1fr 1.1fr;min-height:300px}
.ws-chat{padding:16px;display:flex;flex-direction:column;gap:8px;font-size:12.5px;border-right:1px solid var(--line)}
.ws-chat .me{align-self:flex-end;background:#12204A;color:#fff;border-radius:12px 12px 3px 12px;padding:8px 10px;max-width:90%}
.ws-chat .ai{background:#fff;border:1px solid var(--line);border-radius:12px 12px 12px 3px;padding:8px 10px;max-width:92%}
.ws-pane{position:relative;padding:16px;display:flex;flex-direction:column;gap:8px;background:repeating-linear-gradient(135deg,#fff 0 14px,#FAFBFD 14px 28px);border:2px dashed #C5D2E8;margin:10px;border-radius:12px}
.ws-pane b{font-family:var(--f-display);font-size:15px}
.fld{display:flex;justify-content:space-between;gap:8px;font-size:12px;border-bottom:1px solid var(--line);padding-bottom:6px}
.fld span{color:var(--muted)}.fld i{font-style:normal;font-family:var(--f-mono);text-align:right}
.ph-tag{position:absolute;top:-11px;right:12px;background:var(--amber);color:var(--amber-ink);font-size:10.5px;font-weight:600;padding:2px 8px;border-radius:999px}
.deskshot figcaption{padding:10px 16px;font-size:13px;color:var(--muted);border-top:1px solid var(--line);background:#fff}
@media (max-width:520px){.ws{grid-template-columns:1fr}.ws-chat{border-right:0;border-bottom:1px solid var(--line)}}

/* AI assistant: capability bands */
.caps .wrap{display:grid;gap:88px}
@media (max-width:760px){.caps .wrap{gap:64px}}
.caprow{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.caprow.flip .captext{order:2}
@media (max-width:860px){.caprow,.caprow.flip{grid-template-columns:1fr;gap:28px}.caprow.flip .captext{order:0}}
.captext{min-width:0}
.captext h2{font-size:clamp(28px,3.2vw,40px);line-height:1.1;font-weight:700;margin:10px 0 14px}
.captext p{color:var(--muted);margin:0 0 16px;max-width:34em}
.captext ul{margin:0;padding:0;list-style:none;display:grid;gap:8px;font-size:15px}
.captext li{display:flex;gap:10px}
.captext li::before{content:"";flex:none;width:0;height:0;margin-top:7px;border-left:5px solid transparent;border-right:5px solid transparent;border-bottom:8px solid var(--amber)}
.capshot{display:flex;justify-content:center;padding:28px;border-radius:22px;background:linear-gradient(160deg,var(--pale),#fff);min-width:0}
@media (max-width:520px){.capshot{padding:18px}}

/* AI assistant: deployment */
.prov{display:flex;flex-wrap:wrap;gap:10px;margin-top:16px}
.prov span{font-family:var(--f-mono);font-size:13px;padding:6px 10px;border-radius:8px;background:var(--pale)}
.prov span.own{background:var(--ink);color:#fff}

/* call to action band */
.cta-wrap{margin-top:96px}
.cta-band{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:20px;background:var(--ink);color:var(--on-ink);border-radius:18px;padding:32px 36px}
@media (max-width:520px){.cta-band{padding:26px 22px}}
.cta-band h2{font-size:clamp(24px,2.6vw,32px);font-weight:700}
.cta-band p{margin:6px 0 0;color:var(--on-ink-muted)}

/* ---------- request-demo and activate forms (#27) ---------- */
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:28px;min-width:0;box-shadow:0 18px 40px -30px rgba(16,34,76,.35)}
.form-card.narrow{max-width:640px}
@media (max-width:520px){.form-card{padding:20px}}
.form-card h2{font-size:22px;font-weight:650;margin-bottom:6px}
.form-card > p{color:var(--muted);margin:0 0 18px;font-size:15px}
.site-form{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
@media (max-width:620px){.site-form{grid-template-columns:1fr}}
.site-form label{display:grid;gap:6px;font-size:14px;font-weight:600;min-width:0}
.site-form .full{grid-column:1 / -1}
.site-form .opt{font-weight:400;color:var(--muted)}
.site-form input[type=text],.site-form input[type=email],.site-form input[type=tel],.site-form input[type=password],.site-form textarea{
  width:100%;padding:11px 12px;border:1px solid #C5D2E8;border-radius:10px;background:#fff;color:var(--text);font:inherit;font-weight:400;font-size:15px}
.site-form input:hover,.site-form textarea:hover{border-color:#9FB2D3}
.site-form input:focus-visible,.site-form textarea:focus-visible{outline:3px solid rgba(31,67,151,.35);outline-offset:0;border-color:var(--royal)}
.site-form textarea{resize:vertical;min-height:96px}
.site-form label.check{grid-column:1 / -1;display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:14px;color:var(--muted)}
.site-form label.check input{margin-top:3px;width:18px;height:18px;flex:none;accent-color:var(--royal)}
.site-form label.check a{color:var(--royal)}
.site-form button{grid-column:1 / -1;justify-self:start}
.hp-field{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-result{margin:18px 0 0;padding:14px 16px;border-radius:10px;border-left:3px solid var(--teal);background:#E4F7F3;color:#0B4F45}
.form-result.error{border-left-color:var(--danger);background:#FDECEA;color:#7A1A12}
.demo-ready{margin-top:18px}
.demo-ready dl{display:grid;grid-template-columns:auto 1fr;gap:6px 16px;margin:0 0 18px;font-size:15px}
.demo-ready dt{color:var(--muted)}
.demo-ready dd{margin:0;font-weight:600;overflow-wrap:anywhere}
.demo-links{display:flex;flex-wrap:wrap;gap:12px}

/* ---------- legal and 404 ---------- */
.prose{max-width:46em}
.prose h2{font-size:24px;font-weight:650;margin:36px 0 10px}
.prose h2:first-child{margin-top:0}
.prose p,.prose li{color:var(--muted)}
.prose a{color:var(--royal)}
.draft{padding:16px 18px;border-left:3px solid var(--amber);background:var(--card);border-radius:0 12px 12px 0;margin-bottom:32px}

/* ---------- footer ---------- */
footer{background:var(--ink);color:var(--on-ink-muted);padding-block:44px;font-size:14px;margin-top:96px}
.foot{display:flex;flex-wrap:wrap;justify-content:space-between;gap:20px}
.foot nav{display:flex;flex-wrap:wrap;gap:12px 22px}
.foot a{text-decoration:none}.foot a:hover{color:var(--on-ink)}

/* ---------- motion ---------- */
@media (prefers-reduced-motion:no-preference){
  html{scroll-behavior:smooth}
  .hero .phone{animation:rise .9s cubic-bezier(.2,.7,.2,1) both .15s}
  @keyframes rise{from{transform:translateY(18px)}to{transform:none}}
}
/* Phone header: logo, one-line call to action, menu button */
.btn-nav{white-space:nowrap}
.mnav-panel>a{font-family:var(--f-body)}
@media (max-width:480px){.navlinks{gap:10px}.btn-nav{padding:9px 13px;font-size:13.5px}}
/* Real captures (img/shots/*.webp, 2x) inside the browser and phone frames */
.shot{display:block;width:100%;height:auto}
.screen.desk{display:flex;flex-direction:column}
.screen.desk .shot{flex:1;min-height:0;height:100%;object-fit:cover;object-position:top left}
.phone .screen{line-height:0}
.phone .screen .shot{border-radius:inherit}
.stage .phone{width:230px}
.db-stage{position:relative;min-height:440px;min-width:0}
.db-stage .desk{position:absolute;inset:0 70px 60px 0}
.db-phone{position:absolute;right:0;bottom:0;width:190px}
@media (max-width:520px){.db-stage{min-height:0;display:grid;gap:16px}.db-stage .desk,.db-phone{position:static}.db-phone{width:220px;justify-self:center}}
.deskshot-in{background:#F7F8FB}
.deskshot-in .bar{display:flex;align-items:center;gap:6px;padding:10px 14px;background:#E9ECF3}
/* IBS AI Assistant captures cropped to the conversation: our header on top, the frame follows the image height */
.chat-shot .screen{line-height:normal;background:#F5F2FA}
.chat-shot .chat-h{border-bottom:1px solid #E6E2EF}
.chat-shot .shot{border-radius:0 0 22px 22px}
.stage .phone.chat-shot{width:250px}
.stage.solo-phone .phone.chat-shot{width:320px;max-width:100%}
/* AI page capability bands: conversation examples with no frame, on the app's own background, fading at the sides
   and only lightly at the bottom so the last message stays readable */
.conv-sec{background:#F5F2FA}
.conv-sec .capshot{background:none;padding:0;border-radius:0}
.conv{width:100%;max-width:420px;margin-inline:auto;
  -webkit-mask-image:linear-gradient(to bottom,#000 72%,rgba(0,0,0,.4) 100%),linear-gradient(to right,transparent 0,#000 7%,#000 93%,transparent 100%);-webkit-mask-composite:source-in;
  mask-image:linear-gradient(to bottom,#000 72%,rgba(0,0,0,.4) 100%),linear-gradient(to right,transparent 0,#000 7%,#000 93%,transparent 100%);mask-composite:intersect}
.conv-drawn .chat{padding:20px 22px;font-size:15px}
.conv-drawn .me{max-width:80%}
/* AI page opening: the spending conversation without a frame, on a margin of the app's own background whose
   edges soften over 3px only (both masks intersected). */
.stage.solo-phone .conv-hero{max-width:460px;padding:28px 28px 32px;background:#F5F2FA;border-radius:36px;overflow:hidden;
  -webkit-mask-image:linear-gradient(to bottom,transparent 0,#000 3px,#000 calc(100% - 3px),transparent 100%),linear-gradient(to right,transparent 0,#000 3px,#000 calc(100% - 3px),transparent 100%);-webkit-mask-composite:source-in;
  mask-image:linear-gradient(to bottom,transparent 0,#000 3px,#000 calc(100% - 3px),transparent 100%),linear-gradient(to right,transparent 0,#000 3px,#000 calc(100% - 3px),transparent 100%);mask-composite:intersect}
@media (max-width:520px){.stage.solo-phone .conv-hero{padding:20px 18px 24px}}
/* capability bands: the capture is one example of the feature described next to it */
.caps .capshot{margin:0;flex-direction:column;align-items:center}
.capshot .example{margin-top:10px;text-align:center;font-size:13.5px;color:var(--muted)}
/* a request shown in two steps: the conversation, then the bank's screen it opened */
.conv-steps{display:grid;gap:6px}
.conv-steps .step-arrow{text-align:center;font-size:13px;font-weight:600;color:var(--royal);padding:4px 0}
/* home: the IBS AI Assistant block matches the AI page, conversations without a frame on the app's background */
.ai-block{background:#F5F2FA}
.pb-case{grid-template-columns:1fr;align-items:start;background:none;border:0;box-shadow:none;padding:0}
.pb-case .conv{max-width:420px}
.pb-case figcaption{display:grid;gap:6px}
.pb-case figcaption .example{font-size:13.5px;color:var(--muted)}
.pb-cases{align-items:start}.pb-case{align-content:start;justify-items:start;text-align:left}.pb-case .conv{margin-inline:0}
.pb-case figcaption{order:-1;margin-bottom:14px}