/* Accounts Receivable - site styles
   BRAND: sampled from the logo and site. Navy #07386A, bright blue #008DD7, CTA red #D70000. */
:root{
  --brand:#07386A;
  --go:#D70000;
  --bright:#008DD7;
  --brand-deep:#052747;
  --ink:#14202C;
  --wash:#F2F5F8;
  --paper:#FFFFFF;
  --line:#D4DCE4;
  --mut:#4B5B6A;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion: reduce){html{scroll-behavior:auto}
  *,*::before,*::after{animation:none !important;transition:none !important}}
body{margin:0;font-family:Archivo,Arial,sans-serif;color:var(--ink);background:var(--paper);
  font-size:17px;line-height:1.65}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
h1,h2{font-family:'Archivo Black',Archivo,Arial,sans-serif;font-weight:800;line-height:1.08;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.2rem,4.6vw,3.4rem)}
h2{font-size:clamp(1.5rem,2.8vw,2.05rem)}
h3{font-size:1.15rem;font-weight:700;line-height:1.2;margin:0 0 .5em}
p{margin:0 0 1em}
a{color:var(--brand)}
img{max-width:100%}

/* header */
.mainbar{background:var(--paper);border-top:3px solid var(--go);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50;
  box-shadow:0 2px 10px rgba(5,39,71,.06)}
.mainbar-in{display:flex;align-items:center;gap:20px;padding:15px 22px;max-width:1280px}
.wordmark{display:inline-flex;align-items:center;gap:10px;flex:none;font-weight:800;font-size:1.55rem;text-decoration:none;color:var(--brand);letter-spacing:-.02em;white-space:nowrap}
.wordmark span{margin-left:0;color:var(--bright)}
.mark{height:33px;width:auto;flex:none}
nav{display:flex;gap:14px;flex:1 1 auto;align-items:center;flex-wrap:nowrap;min-width:0;justify-content:flex-end}
nav a{flex:none;text-decoration:none;color:var(--ink);font-weight:500;font-size:1rem;padding:6px 0;border-bottom:3px solid transparent;transition:border-color .15s;white-space:nowrap}
nav a.on,nav a:hover{border-bottom-color:var(--bright)}
.nav-tel{font-weight:800;color:var(--brand) !important}
.m-only{display:none}
.head-cta{display:flex;gap:10px;flex:none}
.head-cta .btn{white-space:nowrap;padding:10px 16px;font-size:.95rem}
.btn{display:inline-block;text-decoration:none;font-weight:800;text-align:center;padding:12px 22px;border-radius:3px;border:2px solid transparent;
  transition:background .15s,color .15s,transform .12s}
.btn:hover{transform:translateY(-1px)}
.btn-go{background:var(--go);color:#fff}
.btn-go:hover{background:#9A0000}
.btn-ghost{border-color:var(--brand);color:var(--brand)}
.btn-ghost:hover{background:var(--brand);color:#fff}
.btn-big{font-size:1.05rem;padding:15px 30px}
.navbtn{display:none;background:var(--brand);color:#fff;border:0;padding:10px 14px;font:inherit;font-weight:700;border-radius:3px}

/* hero */
.hero{background:var(--brand-deep);color:#fff;padding:84px 0 78px;
  background-image:linear-gradient(118deg,var(--brand-deep) 0%,var(--brand) 55%,#0A4C8C 100%)}
.hero-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:56px;align-items:center}
.hero h1{max-width:15ch;color:#fff}
.hero p{max-width:50ch;font-size:1.16rem;color:#D5DFE9}
.hero .btns{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.hero .btn-ghost{border-color:#fff;color:#fff}
.hero .btn-ghost:hover{background:#fff;color:var(--brand)}
.hero-note{margin-top:24px;font-weight:700;color:#fff;border-left:5px solid var(--go);padding-left:14px}

/* aging-of-debt visual */
.agecard{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:4px;padding:26px 26px 20px}
.agecard-h{font-weight:700;color:#fff;margin-bottom:18px}
.g-big{font-family:'Archivo Black',Archivo,Arial,sans-serif;font-size:clamp(2rem,3.4vw,2.8rem);
  line-height:1.08;color:#fff;margin:0;padding-left:18px;border-left:6px solid var(--go);text-transform:uppercase}
.agecard-c{font-size:.92rem;color:#D5DFE9;margin:16px 0 0;border-top:1px solid rgba(255,255,255,.16);padding-top:14px}

/* sections */
section{padding:72px 0}
.wash{background:var(--wash)}
.lede{font-size:1.15rem;max-width:62ch}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:36px}
.card{border:1px solid var(--line);border-top:4px solid var(--brand);background:var(--paper);padding:24px}
.card h3{margin-bottom:.35em}
.card a{font-weight:700;text-decoration:none}
.svc-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:14px;margin-top:18px}
.svc-grid a{display:flex;gap:13px;align-items:center;background:var(--paper);border:1px solid var(--line);border-top:3px solid transparent;
  padding:17px 18px;text-decoration:none;font-weight:700;color:var(--ink);
  transition:border-color .15s,transform .12s,box-shadow .15s}
.svc-ic{flex:none;width:26px;height:26px;color:var(--bright)}
.svc-grid a:hover{border-top-color:var(--bright);transform:translateY(-2px);box-shadow:0 8px 20px rgba(5,39,71,.09)}

/* steps (a real sequence) */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.step{border-top:3px solid var(--line);padding-top:18px}
.step::before{counter-increment:s;content:counter(s);display:block;
  font-family:'Archivo Black',Archivo,Arial,sans-serif;font-size:2.3rem;color:var(--bright);line-height:1;margin-bottom:8px}

/* phases */
.phases{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:start;margin-top:14px}
.phase{background:var(--paper);border:1px solid var(--line)}
.phase-h{font-family:'Archivo Black',Archivo,Arial,sans-serif;color:#fff;text-align:center;padding:15px;font-size:1.3rem;margin:0}
.p1 .phase-h{background:var(--brand)}
.p2 .phase-h{background:var(--bright)}
.p3 .phase-h{background:var(--go)}
.phase-b{padding:22px 24px}
.phase-b p{font-size:.97rem}
.checks{list-style:none;padding:0;margin:0 0 16px}
.checks li{padding-left:24px;position:relative;margin:0 0 10px;font-weight:700}
.checks li::before{content:"";position:absolute;left:0;top:.42em;width:9px;height:9px}
.p1 .checks li::before{background:var(--brand)}
.p2 .checks li::before{background:var(--bright)}
.p3 .checks li::before{background:var(--go)}

/* stats */
.stats{background:var(--brand-deep);color:#fff;border-top:4px solid var(--bright)}
.stats .grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.stat{padding:6px 26px}
.stat + .stat{border-left:1px solid rgba(255,255,255,.16)}
.stat b{display:block;font-family:'Archivo Black',Archivo,Arial,sans-serif;font-size:2.3rem;color:#fff;line-height:1.15}
.stat span{color:#AFC0CF;font-size:.95rem}

/* reviews */
.review{background:var(--paper);border:1px solid var(--line);border-left:4px solid var(--brand);
  padding:22px 24px;margin:0}
.review p{font-size:1.02rem}
.review cite{font-style:normal;font-weight:700;color:var(--mut)}

.grow2{margin-top:24px}
.rstars{display:inline-flex;gap:3px;margin:0 0 12px}
.rstars svg{width:17px;height:17px;fill:#F5B301}
.greview{border-left-color:var(--bright)}
.grow-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.grow-head .rstars{margin:0}
.gicon{width:22px;height:22px;flex:none}

/* cta band */
.band{background:linear-gradient(100deg,var(--brand),var(--bright));color:#fff;text-align:center;padding:64px 0}
.band h2{color:#fff}
.band p{color:#E4F1FA}
.band .btn{background:var(--go);color:#fff}
.band .btn:hover{background:#9A0000}

/* service page */
.svc{border-top:1px solid var(--line);padding:48px 0}
.svc:first-of-type{border-top:0}
.svc ul{margin:0 0 1em;padding-left:20px}
.jump{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px}
.jump a{font-size:.92rem;text-decoration:none;border:1px solid var(--line);background:var(--paper);padding:7px 13px;border-radius:3px;color:var(--brand);font-weight:500;transition:background .15s,border-color .15s}
.jump a:hover{background:#E8F4FB;border-color:var(--bright)}

/* forms + payment */
.formwrap{border:1px solid var(--line);background:var(--paper)}
.formwrap iframe{display:block;width:100%;min-height:1400px;border:0}
.payform{max-width:560px;border:1px solid var(--line);border-top:4px solid var(--bright);padding:28px;background:var(--paper)}
.payform label{display:block;font-weight:700;margin:16px 0 6px}
.payform input{width:100%;padding:12px;border:1px solid var(--line);border-radius:3px;font:inherit}
.payform input:focus{border-color:var(--bright);outline:2px solid var(--bright);outline-offset:0}
.payform button{margin-top:22px;width:100%;background:var(--bright);color:#fff;border:0;padding:15px;
  font:inherit;font-weight:800;font-size:1.05rem;border-radius:3px;cursor:pointer;transition:background .15s}
.payform button:hover{background:#006DA6}
.payform-wide{max-width:none}
.paygrid{grid-template-columns:2.1fr 1fr;gap:44px}
.payform{border-radius:6px;box-shadow:0 12px 32px rgba(5,39,71,.08)}
.payform-wide{padding:36px 40px}
.payform-wide h2{font-size:1.3rem;color:var(--brand);border-bottom:1px solid var(--line);padding-bottom:10px;margin-bottom:18px}
.payform-wide label{margin:0 0 7px}
.payform-wide input{padding:13px 14px;border-radius:4px;margin-bottom:20px}
.row3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:0 20px}
.feenote{color:var(--go);font-weight:700;font-style:italic;margin:0 0 14px}
.authbox{border:1px solid var(--line);background:var(--wash);padding:14px 16px;font-size:.92rem;margin-bottom:16px}
.authbox p{margin:0 0 10px}
.methods{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:6px}
.radio{display:flex;gap:12px;align-items:center;font-weight:700;margin:0;
  border:2px solid var(--line);border-radius:4px;padding:15px 16px;cursor:pointer;transition:border-color .15s,background .15s}
.radio:hover{border-color:var(--bright)}
.radio:has(input:checked){border-color:var(--bright);background:#E8F4FB}
.radio input{width:auto;margin:0;accent-color:var(--bright)}
#amount{font-size:1.35rem;font-weight:800;max-width:280px}
.payform-wide button{max-width:420px;display:block;margin-left:auto;margin-right:auto;padding:17px}
@media (max-width:900px){.row3,.methods{grid-template-columns:1fr}.paygrid{grid-template-columns:1fr}#amount{max-width:none}}
.notice{background:var(--wash);border-left:5px solid var(--brand);padding:14px 18px;margin:20px 0;font-size:.95rem}
.small{font-size:.9rem;color:var(--mut)}
.legal h2{margin-top:1.6em;font-size:1.25rem}
.legal{max-width:74ch}

/* signup form (arsubmit) */
.bigform label{display:block;font-weight:700;margin:20px 0 6px}
.bigform .req{color:var(--go)}
.bigform input,.bigform select{width:100%;padding:12px;border:1px solid var(--line);border-radius:3px;font:inherit;margin-bottom:8px;background:#fff}
.bigform input:focus,.bigform select:focus{border-color:var(--bright);outline:2px solid var(--bright);outline-offset:0}
.bigform .hint{font-size:.88rem;color:var(--mut);font-style:italic;margin:0 0 4px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.termsbox{height:230px;overflow-y:auto;border:1px solid var(--line);background:var(--wash);padding:4px 16px;font-size:.88rem}
.termsbox h3{margin-top:12px}
.merge{font-weight:700}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:500 !important;margin-top:12px !important}
.consent{color:var(--go);font-weight:700;font-size:.9rem;line-height:1.5}
.consent span{display:block}
.consent span + span{margin-top:12px}
.check input{width:auto;margin:4px 0 0}
.sigwrap{position:relative}
#sigpad{display:block;width:100%;height:180px;border:1px solid var(--line);border-radius:3px;background:#fff;touch-action:none;cursor:crosshair}
.sigclear{position:absolute;top:8px;right:8px;background:var(--wash);border:1px solid var(--line);border-radius:3px;padding:5px 12px;font:inherit;font-size:.85rem;cursor:pointer}
.formerr{background:#FDECEC;border-left:5px solid var(--go);padding:12px 16px;font-weight:700}
.submitbtn{margin-top:24px;background:var(--bright);color:#fff;border:0;padding:15px 40px;font:inherit;font-weight:800;font-size:1.05rem;border-radius:3px;cursor:pointer;transition:background .15s}
.submitbtn:hover{background:#006DA6}

/* slim chrome (arsubmit) */
.slim{background:var(--paper);border-bottom:3px solid var(--go)}
.slim-in{display:flex;justify-content:space-between;align-items:center;padding:14px 22px}
.slim-tel{font-weight:800;color:var(--brand);text-decoration:none;font-size:1.05rem}
.slimfoot{background:var(--brand-deep);color:#B9C6D2;font-size:.85rem;margin-top:50px;padding:16px 0}
.slimfoot a{color:#fff}

/* footer */
footer{background:var(--brand-deep);color:#B9C6D2;margin-top:80px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:30px;padding-top:52px;padding-bottom:30px}
.foot-grid a{display:block;color:#fff;text-decoration:none;margin:0 0 9px}
.foot-grid a:hover{text-decoration:underline}
.foot-h{font-weight:700;color:#fff;margin-bottom:12px}
.foot-mark{font-size:1.2rem;color:#fff}
.foot-base{border-top:1px solid #1B3A57;padding-top:16px;padding-bottom:20px;font-size:.85rem}

:focus-visible{outline:3px solid var(--bright);outline-offset:2px}

@media (max-width:1100px){
  .head-cta{display:none}
  nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--paper);
    flex-direction:column;gap:0;align-items:stretch;border-bottom:3px solid var(--brand);z-index:10}
  nav.open{display:flex}
  nav a{padding:14px 22px;border-bottom:1px solid var(--line);white-space:normal}
  .m-only{display:block}
  .navbtn{display:block;margin-left:auto}
}
@media (max-width:900px){
  .grid3,.steps,.stats .grid4,.phases{grid-template-columns:1fr 1fr}
  .grid2,.foot-grid,.hero-grid{grid-template-columns:1fr}
  .stat{padding:14px 0}
  .stat + .stat{border-left:0}
}
@media (max-width:560px){
  .grid3,.steps,.stats .grid4,.phases{grid-template-columns:1fr}
  .row2{grid-template-columns:1fr}
  .agebars{height:140px}
}