*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:#0b1220;background:#ffffff;line-height:1.6;-webkit-font-smoothing:antialiased}
.container{max-width:1180px;margin:0 auto;padding:0 24px}

/* nav */
.nav{position:sticky;top:0;background:rgba(255,255,255,.85);backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid #eef1f6;z-index:50}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:68px}
.logo{font-weight:800;font-size:22px;letter-spacing:-.02em;color:#0b1220;text-decoration:none}
.logo .dot{color:#3b82f6}
.nav-links{display:flex;align-items:center;gap:28px}
.nav-links a{color:#475569;text-decoration:none;font-weight:500;font-size:15px}
.nav-links a:hover{color:#0b1220}
.nav-cta{background:#0b1220;color:#fff!important;padding:10px 16px;border-radius:999px;font-weight:600!important}
.nav-cta:hover{background:#1e293b}
@media(max-width:760px){.nav-links a:not(.nav-cta){display:none}}

/* hero */
.hero{position:relative;padding:48px 0 64px;background:radial-gradient(1200px 600px at 80% -10%,#dbeafe 0%,transparent 60%),radial-gradient(900px 500px at 0% 10%,#ede9fe 0%,transparent 60%),#0B1E3F;overflow:hidden}
.hero-inner{max-width:920px;margin:0 auto;text-align:center}
.eyebrow{display:inline-block;font-size:13px;font-weight:600;color:#3b82f6;letter-spacing:.08em;text-transform:uppercase;margin-bottom:18px;background:#eff6ff;padding:6px 12px;border-radius:999px}
.hero h1{font-size:clamp(40px,6vw,72px);line-height:1.05;letter-spacing:-.03em;font-weight:800;color:#0b1220;margin-bottom:22px}
.grad{background:linear-gradient(90deg,#3b82f6,#8b5cf6 60%,#ec4899);-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.lede{font-size:19px;color:#475569;max-width:720px;margin:0 auto 32px}
.cta-row{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-bottom:48px}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 24px;border-radius:999px;font-weight:600;font-size:15px;text-decoration:none;transition:transform .15s ease,box-shadow .15s ease}
.btn-primary{background:#0b1220;color:#fff;box-shadow:0 8px 24px -8px rgba(11,18,32,.45)}
.btn-primary:hover{transform:translateY(-1px);background:#1e293b}
.btn-ghost{background:#fff;color:#0b1220;border:1px solid #e2e8f0}
.btn-ghost:hover{border-color:#cbd5e1}
.btn-block{width:100%;padding:16px}
.trust-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:780px;margin:0 auto}
.trust{background:#fff;border:1px solid #eef1f6;border-radius:14px;padding:16px;text-align:center;box-shadow:0 1px 0 rgba(15,23,42,.02)}
.trust strong{display:block;font-size:18px;color:#0b1220;font-weight:700}
.trust span{font-size:12px;color:#64748b}
@media(max-width:760px){.trust-row{grid-template-columns:repeat(2,1fr)}}

/* sections */
.section{padding:96px 0}
.section-alt{background:#f8fafc;border-top:1px solid #eef1f6;border-bottom:1px solid #eef1f6}
.section-head{text-align:center;max-width:720px;margin:0 auto 56px}
.section-head h2{font-size:clamp(30px,4vw,44px);font-weight:800;letter-spacing:-.02em;color:#0b1220;margin:10px 0 14px}
.section-sub{color:#475569;font-size:17px}

/* grids */
.grid{display:grid;gap:20px}
.grid-3{grid-template-columns:repeat(3,1fr)}
@media(max-width:900px){.grid-3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.grid-3{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid #eef1f6;border-radius:18px;padding:28px;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
.card:hover{transform:translateY(-3px);box-shadow:0 18px 40px -20px rgba(15,23,42,.18);border-color:#dbeafe}
.card-icon{width:44px;height:44px;border-radius:12px;background:linear-gradient(135deg,#dbeafe,#ede9fe);display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:16px}
.card h3{font-size:18px;font-weight:700;margin-bottom:8px}
.card p{color:#475569;font-size:15px}

.feature h3{font-size:18px;font-weight:700;margin-bottom:8px;color:#0b1220}
.feature p{color:#475569;font-size:15px}
.feature{padding:8px 4px}

/* industries */
.industries{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;max-width:980px;margin:0 auto}
.industries span{background:#fff;border:1px solid #e2e8f0;color:#0b1220;padding:10px 16px;border-radius:999px;font-size:14px;font-weight:500}
.foot-note{text-align:center;color:#64748b;margin-top:28px;font-size:15px}
.foot-note a{color:#3b82f6;font-weight:600;text-decoration:none}

/* about */
.about-grid{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:center}
.about-grid h2{margin:10px 0 18px}
.about-grid p{color:#475569;margin-bottom:14px}
.about-stats{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.stat{background:#fff;border:1px solid #eef1f6;border-radius:16px;padding:22px;text-align:center}
.stat strong{display:block;font-size:26px;color:#0b1220;font-weight:800;letter-spacing:-.02em}
.stat span{font-size:13px;color:#64748b}
@media(max-width:900px){.about-grid{grid-template-columns:1fr}}

/* contact */
.contact-wrap{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:start}
.contact-copy h2{font-size:clamp(28px,3.6vw,40px);font-weight:800;letter-spacing:-.02em;margin:10px 0 14px}
.contact-copy p{color:#475569;margin-bottom:18px}
.check-list{list-style:none}
.check-list li{padding:8px 0 8px 28px;position:relative;color:#0b1220;font-weight:500}
.check-list li:before{content:"✓";position:absolute;left:0;top:8px;width:20px;height:20px;border-radius:50%;background:#dbeafe;color:#3b82f6;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:700}
.contact-form{background:#fff;border:1px solid #eef1f6;border-radius:20px;padding:28px;box-shadow:0 24px 50px -28px rgba(15,23,42,.18);display:grid;gap:14px}
.contact-form label{display:flex;flex-direction:column;font-size:13px;font-weight:600;color:#0b1220;gap:6px}
.contact-form input,.contact-form select,.contact-form textarea{font:inherit;padding:12px 14px;border:1px solid #e2e8f0;border-radius:10px;background:#f8fafc;color:#0b1220;outline:none;transition:border-color .15s ease,background .15s ease}
.contact-form input:focus,.contact-form select:focus,.contact-form textarea:focus{border-color:#3b82f6;background:#fff}
.row-2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-success{background:#ecfdf5;color:#065f46;border:1px solid #a7f3d0;padding:12px;border-radius:10px;font-size:14px;text-align:center}
@media(max-width:900px){.contact-wrap{grid-template-columns:1fr}.row-2{grid-template-columns:1fr}}

/* footer */
.footer{background:#0b1220;color:#cbd5e1;padding:64px 0 0;margin-top:0}
.footer .logo{color:#fff}
.footer .logo .dot{color:#60a5fa}
.footer-inner{display:grid;grid-template-columns:1fr 3fr;gap:48px;padding-bottom:48px;align-items:start}
.foot-brand p{color:#94a3b8;margin-top:10px;max-width:320px;font-size:14px}
.foot-cols{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:32px}
.foot-cols h4{color:#fff;font-size:14px;margin-bottom:14px;letter-spacing:.04em;text-transform:uppercase}
.foot-cols a{display:block;color:#94a3b8;text-decoration:none;font-size:14px;padding:5px 0;word-break:break-word}
.foot-cols a:hover{color:#fff}
.foot-bottom{border-top:1px solid #1e293b;padding:22px 0;color:#64748b;font-size:13px;text-align:center}
@media(max-width:760px){.footer-inner{grid-template-columns:1fr}.foot-cols{grid-template-columns:repeat(2,1fr);gap:24px}}
.logo .tld{color:#0b1220;font-weight:800}
.footer .logo .tld{color:#fff}

/* ============================================ */
/* CLEAN PAYMENTS REDESIGN - v4 OVERRIDES       */
/* ============================================ */
:root{
  --navy:#0B1E3F;
  --navy-2:#13294B;
  --blue:#1E66F5;
  --blue-2:#3B82F6;
  --blue-soft:#EAF1FF;
  --blue-tint:#F4F8FF;
  --line:#D9E4F5;
  --line-2:#C9D7EE;
  --ink:#0B1E3F;
  --muted:#5A6B85;
}

body{ background:#FFFFFF; color:var(--ink); }

/* --- HERO: solid navy with subtle grid lines --- */
.hero{
  background:
    linear-gradient(180deg, rgba(11,30,63,0) 0%, rgba(11,30,63,0.04) 100%),
    linear-gradient(135deg, #0B1E3F 0%, #13294B 60%, #1E3A6E 100%);
  background-color:#0B1E3F;
  position:relative;
  overflow:hidden;
  border-bottom:1px solid #0a1830;
}
.hero::before{
  content:"";
  position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(255,255,255,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.05) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(ellipse at center, #000 40%, transparent 75%);
  -webkit-mask-image: radial-gradient(ellipse at center, #000 40%, transparent 75%);
  pointer-events:none;
}
.hero::after{
  content:"";
  position:absolute; left:0; right:0; bottom:-1px; height:120px;
  background: transparent;
  pointer-events:none;
}
.hero .hero-inner{ position:relative; z-index:2; }
.hero .eyebrow{
  color:#7FB1FF;
  background:rgba(127,177,255,0.10);
  border:1px solid rgba(127,177,255,0.25);
  border-radius:999px;
  padding:6px 14px;
  display:inline-block;
  letter-spacing:0.14em;
}
.hero h1{ color:#FFFFFF; }
.hero h1 .grad{
  background:none !important;
  -webkit-background-clip:initial !important;
  background-clip:initial !important;
  -webkit-text-fill-color:#7FB1FF !important;
  color:#7FB1FF !important;
}
.hero .lede{ color:#C7D3E8; }
.hero .lede strong{ color:#FFFFFF; }

/* Hero buttons */
.hero .btn-primary{
  background:#1E66F5; color:#fff; border:1px solid #1E66F5;
  box-shadow:0 8px 24px rgba(30,102,245,0.35);
}
.hero .btn-primary:hover{ background:#1656d6; border-color:#1656d6; }
.hero .btn-ghost, .hero .btn:not(.btn-primary){
  background:rgba(255,255,255,0.06);
  color:#fff;
  border:1px solid rgba(255,255,255,0.25);
  backdrop-filter: blur(4px);
}
.hero .btn-ghost:hover{ background:rgba(255,255,255,0.12); }

/* Hero trust chips */
.hero .trust-row{ position:relative; z-index:2; }
.hero .trust{
  background:rgba(255,255,255,0.06);
  border:1px solid rgba(255,255,255,0.18);
  border-radius:14px;
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  box-shadow: 0 6px 20px rgba(0,0,0,0.20);
}
.hero .trust strong{ color:#FFFFFF; }
.hero .trust span{ color:#A9BAD6; }

/* --- ALTERNATING SECTION BACKGROUNDS --- */
section.section{ background:#FFFFFF; position:relative; }
section.section-alt{
  background: #F4F8FF;
  background-image:
    linear-gradient(rgba(30,102,245,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(30,102,245,0.05) 1px, transparent 1px);
  background-size: 48px 48px;
}
section.section + section.section{ border-top:1px solid var(--line); }

/* Eyebrows */
.section-head .eyebrow, .about-grid .eyebrow{
  display:inline-block;
  background:#EAF1FF;
  color:#1E66F5;
  border:1px solid #C9D7EE;
  padding:6px 14px;
  border-radius:999px;
  letter-spacing:0.14em;
  font-weight:700;
}

h2{ color:var(--ink); }
h3{ color:var(--ink); }

/* --- SERVICE / FEATURE / GENERIC CARDS --- */
.card, .feature, .service, .grid > div, .grid-3 > div{
  background:#FFFFFF;
  border:1px solid var(--line);
  border-radius:16px;
  padding:28px;
  box-shadow: 0 1px 0 rgba(11,30,63,0.02), 0 8px 24px rgba(11,30,63,0.06);
  transition: transform .15s ease, box-shadow .15s ease, border-color .15s ease;
}
.card:hover, .feature:hover, .service:hover{
  transform: translateY(-2px);
  box-shadow: 0 2px 0 rgba(11,30,63,0.03), 0 14px 32px rgba(11,30,63,0.10);
  border-color:#B6CBEC;
}
.card-icon{
  width:44px; height:44px; border-radius:12px;
  background:#EAF1FF; color:#1E66F5;
  display:inline-flex; align-items:center; justify-content:center;
  font-size:22px; margin-bottom:14px;
  border:1px solid #D1E0F8;
}

/* --- HIGH-RISK CHIPS --- */
.chips, .industries, .verticals{ display:flex; flex-wrap:wrap; gap:10px; }
.chip, .vertical, .industry{
  background:#FFFFFF;
  border:1px solid var(--line);
  color:var(--ink);
  padding:10px 16px;
  border-radius:999px;
  font-weight:600;
  font-size:14px;
  box-shadow: 0 2px 8px rgba(11,30,63,0.04);
  transition: all .15s ease;
}
.chip:hover, .vertical:hover{
  border-color:#1E66F5;
  color:#1E66F5;
  background:#F4F8FF;
  transform: translateY(-1px);
}

/* --- ABOUT STATS --- */
.about-stats{ display:grid; grid-template-columns:repeat(2,1fr); gap:14px; }
.about-stats .stat{
  background:#FFFFFF;
  border:1px solid var(--line);
  border-radius:14px;
  padding:22px;
  text-align:center;
  box-shadow: 0 6px 18px rgba(11,30,63,0.05);
}
.about-stats .stat strong{
  display:block;
  font-size:28px;
  color:#1E66F5;
  font-weight:800;
  margin-bottom:4px;
}
.about-stats .stat span{ color:var(--muted); font-size:14px; }

/* --- CONTACT FORM --- */
#contact{ background:#F4F8FF; }
#contact form, .contact-form, form{
  background:#FFFFFF;
  border:1px solid var(--line);
  border-radius:18px;
  padding:28px;
  box-shadow: 0 12px 32px rgba(11,30,63,0.08);
}
input, select, textarea{
  border:1px solid var(--line) !important;
  border-radius:10px !important;
  background:#FFFFFF !important;
  padding:12px 14px !important;
  transition: border-color .15s ease, box-shadow .15s ease;
}
input:focus, select:focus, textarea:focus{
  outline:none !important;
  border-color:#1E66F5 !important;
  box-shadow: 0 0 0 4px rgba(30,102,245,0.15) !important;
}
label{ color:var(--ink); font-weight:600; }

/* --- BUTTONS (global) --- */
.btn{ border-radius:999px; font-weight:700; }
.btn-primary{
  background:#1E66F5; color:#fff; border:1px solid #1E66F5;
  box-shadow: 0 8px 20px rgba(30,102,245,0.25);
}
.btn-primary:hover{ background:#1656d6; border-color:#1656d6; }
.btn-ghost, .btn:not(.btn-primary):not(.nav-cta){
  background:#FFFFFF; color:var(--ink); border:1px solid var(--line);
}
.btn-ghost:hover{ border-color:#1E66F5; color:#1E66F5; }
.nav-cta{ background:#0B1E3F; color:#fff !important; border:1px solid #0B1E3F; }
.nav-cta:hover{ background:#13294B; border-color:#13294B; }

/* --- NAV --- */
.nav{ background:#FFFFFF; border-bottom:1px solid var(--line); }
.nav-links a{ color:var(--ink); }
.nav-links a:hover{ color:#1E66F5; }

/* --- FOOTER --- */
.footer, footer{
  background:#0B1E3F;
  color:#C7D3E8;
  border-top:1px solid #0a1830;
  position:relative;
}
.footer::before, footer::before{
  content:"";
  position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(ellipse at center, #000 30%, transparent 75%);
  -webkit-mask-image: radial-gradient(ellipse at center, #000 30%, transparent 75%);
  pointer-events:none;
}
.footer h4, footer h4{ color:#FFFFFF; }
.footer a, footer a{ color:#A9BAD6; }
.footer a:hover, footer a:hover{ color:#FFFFFF; }
.footer .logo, footer .logo{ color:#FFFFFF; }

/* High-risk section emphasis */
#high-risk{ background:#F4F8FF; }
#why{ background:#FFFFFF; }
#services{ background:#F4F8FF; }
#about{ background:#FFFFFF; }
cat > /tmp/cohesive.css <<'COHEOF'

.nav-login { color: #7cc !important; margin-right: 12px; text-decoration: none; font-weight: 500; }

/* Align contact form with H2 heading */
.contact-form{margin-top:65px}
@media (max-width:900px){.contact-form{margin-top:0}}

/* Agent Program section */
.agent-cta{margin-top:48px;padding:32px;background:#fff;border:1px solid #eef1f6;border-radius:20px;box-shadow:0 24px 50px -28px rgba(15,23,42,.18);text-align:center}
.agent-cta h3{font-size:22px;font-weight:800;margin:0 0 10px;color:#0b1220}
.agent-cta p{color:#475569;margin:0 0 12px;font-size:15px;line-height:1.6}
.agent-cta a{color:#3b82f6;font-weight:600;text-decoration:none}
.agent-cta a:hover{text-decoration:underline}
.btn-cta{display:inline-block;margin-top:8px;padding:14px 28px;background:#0B1E3F;color:#fff !important;border-radius:10px;font-weight:700;text-decoration:none !important;transition:background .15s ease}
.btn-cta:hover{background:#13294B;text-decoration:none !important}

/* ===== Homepage image polish (mobile-friendly) ===== */
/* Hero: 2-column on desktop, stacked on mobile */
.hero-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center}
.hero-copy{min-width:0}
.hero-media{min-width:0}
.hero-media img{width:100%;height:auto;display:block;border-radius:18px;box-shadow:0 30px 60px -25px rgba(15,23,42,.35);object-fit:cover;aspect-ratio:4/3}
@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:28px;text-align:center}
  .hero-copy .cta-row,.hero-copy .trust-row{justify-content:center}
  .hero-media{order:-1}
  .hero-media img{aspect-ratio:16/10}
}

/* How It Works: step images */
.how-step-img{margin:-6px -6px 14px;overflow:hidden;border-radius:12px;aspect-ratio:16/9;background:#eef2f7}
.how-step-img img{width:100%;height:100%;display:block;object-fit:cover}

/* High-Risk banner */
.hr-img{margin:0 auto 32px;max-width:1000px;border-radius:18px;overflow:hidden;aspect-ratio:21/9;background:#eef2f7;box-shadow:0 18px 40px -22px rgba(15,23,42,.25)}
.hr-img img{width:100%;height:100%;display:block;object-fit:cover}
@media (max-width:900px){.hr-img{aspect-ratio:16/9;margin-bottom:24px}}

/* Why banner */
.why-img{margin:0 auto 32px;max-width:1000px;border-radius:18px;overflow:hidden;aspect-ratio:21/9;background:#eef2f7;box-shadow:0 18px 40px -22px rgba(15,23,42,.25)}
.why-img img{width:100%;height:100%;display:block;object-fit:cover}
@media (max-width:900px){.why-img{aspect-ratio:16/9;margin-bottom:24px}}

/* Agent program banner */
.agent-banner-img{margin:0 auto 32px;max-width:1100px;border-radius:18px;overflow:hidden;aspect-ratio:21/8;background:#eef2f7;box-shadow:0 20px 50px -22px rgba(15,23,42,.3)}
.agent-banner-img img{width:100%;height:100%;display:block;object-fit:cover}
@media (max-width:900px){.agent-banner-img{aspect-ratio:16/9;margin-bottom:24px}}