/* =========================================================
   jpskill factoring — style-factoring.css
   Design read: ファクタリング情報ハブ(トピッククラスター)
   for 中小企業経営者・個人事業主 / trust-first × speed /
   deep navy × cyan-teal (fintech), single accent lock.
   ========================================================= */

:root{
  --fct-ink:#0d2137;         /* deep navy 見出し・本文濃 */
  --fct-ink2:#33475f;        /* 本文 */
  --fct-ink3:#6b7d92;        /* 補助・キャプション */
  --fct-bg:#eef3f8;          /* cool light 背景 */
  --fct-bg2:#e3ebf3;         /* 一段濃い帯 */
  --fct-surface:#ffffff;
  --fct-accent:#0891b2;      /* cyan-teal single accent */
  --fct-accent-deep:#0e7490; /* accent hover/deep */
  --fct-accent-tint:#e0f3f8; /* accent 10% */
  --fct-accent-line:#b9e2ec;
  --fct-border:#d4e0ec;
  --fct-ok:#0f9d76;          /* 「提携完了」用グリーン(状態表示のみ) */
  --fct-r-card:16px;
  --fct-r-chip:10px;
  --fct-r-pill:999px;
  --fct-shadow:0 18px 40px -24px rgba(13,33,55,.40);
  --fct-shadow-sm:0 8px 22px -16px rgba(13,33,55,.34);
  --fct-shadow-cta:0 14px 26px -10px rgba(8,145,178,.50);
  --fct-font:"Zen Kaku Gothic New","Hiragino Kaku Gothic ProN","Hiragino Sans","Yu Gothic","YuGothic","Meiryo",system-ui,-apple-system,sans-serif;
}

*{box-sizing:border-box}
html{color-scheme:light;-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:var(--fct-bg);color:var(--fct-ink);
  font-family:var(--fct-font);font-size:16px;line-height:1.85;font-weight:500;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none}
strong{font-weight:700;color:var(--fct-ink)}
h1,h2,h3,h4{line-height:1.4;letter-spacing:.01em;margin:0;font-weight:700}
p{margin:0}
.fct-wrap{max-width:820px;margin:0 auto;padding:0 20px}
.fct-mark{background:linear-gradient(transparent 60%,rgba(8,145,178,.22) 0);font-weight:700;padding:0 .04em}

/* ---------- Header ---------- */
.fct-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);
  backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--fct-border)}
.fct-header-inner{max-width:1080px;margin:0 auto;padding:11px 20px;display:flex;align-items:center;justify-content:space-between;gap:12px}
.fct-brand{display:flex;align-items:center;gap:11px}
.fct-brand-icon{width:34px;height:34px;flex:none}
.fct-brand-mark{font-size:16px;font-weight:800;letter-spacing:.02em;color:var(--fct-ink)}
.fct-brand-name{font-size:11.5px;color:var(--fct-ink3);font-weight:600}
.fct-header-back{font-size:12.5px;color:var(--fct-ink3);font-weight:600;white-space:nowrap}
.fct-header-back:hover{color:var(--fct-accent)}

/* ---------- Buttons ---------- */
.fct-btn{display:inline-flex;align-items:center;justify-content:center;gap:.4em;white-space:nowrap;
  padding:15px 28px;border-radius:var(--fct-r-pill);font-weight:800;font-size:1rem;letter-spacing:.02em;
  transition:transform .18s ease,box-shadow .18s ease,filter .18s ease;cursor:pointer;border:0}
.fct-btn-lg{padding:17px 34px;font-size:1.06rem}
.fct-btn-primary{background:linear-gradient(135deg,var(--fct-accent),var(--fct-accent-deep));color:#fff;
  box-shadow:var(--fct-shadow-cta);border:1px solid rgba(14,116,144,.4);text-shadow:0 1px 2px rgba(6,70,90,.35)}
.fct-btn-primary:hover{transform:translateY(-2px);filter:saturate(1.06);box-shadow:0 20px 34px -10px rgba(8,145,178,.58)}
.fct-btn-primary:active{transform:translateY(0) scale(.99)}
.fct-btn-ghost{background:var(--fct-surface);color:var(--fct-ink);border:1.5px solid var(--fct-border)}
.fct-btn-ghost:hover{border-color:var(--fct-accent);color:var(--fct-accent-deep)}
.fct-btn:focus-visible{outline:3px solid var(--fct-accent);outline-offset:3px}

/* ---------- Hero (index) ---------- */
.fct-hero{position:relative;padding:56px 0 44px;background:
  radial-gradient(120% 90% at 82% -10%,rgba(8,145,178,.16),transparent 60%),
  linear-gradient(180deg,#fff 0%,var(--fct-bg) 100%);overflow:hidden}
.fct-hero-eyebrow{display:inline-flex;align-items:center;gap:7px;font-size:12.5px;font-weight:800;letter-spacing:.12em;
  color:var(--fct-accent-deep);background:var(--fct-accent-tint);border:1px solid var(--fct-accent-line);
  padding:6px 14px;border-radius:var(--fct-r-pill);margin-bottom:18px}
.fct-hero-title{font-size:clamp(1.85rem,6.2vw,2.85rem);font-weight:900;letter-spacing:.005em;line-height:1.28}
.fct-hero-title .hl{color:var(--fct-accent-deep)}
.fct-hero-lead{margin-top:18px;color:var(--fct-ink2);font-size:1.04rem;max-width:44ch}
.fct-hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.fct-hub-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:34px}
@media(max-width:560px){.fct-hub-stats{grid-template-columns:repeat(2,1fr)}}
.fct-hub-stat{background:var(--fct-surface);border:1px solid var(--fct-border);border-radius:var(--fct-r-card);
  padding:16px 12px;text-align:center;box-shadow:var(--fct-shadow-sm)}
.fct-hub-stat-num{font-size:1.5rem;font-weight:900;color:var(--fct-ink);line-height:1.1}
.fct-hub-stat-num .unit{font-size:.62em;font-weight:800;color:var(--fct-accent-deep);margin-left:2px}
.fct-hub-stat-label{font-size:11.5px;color:var(--fct-ink3);margin-top:5px;font-weight:600}

/* ---------- Section rhythm ---------- */
.fct-section{padding:52px 0}
.fct-section-alt{background:var(--fct-bg2)}
.fct-section-header{margin-bottom:28px}
.fct-eyebrow{font-size:12px;font-weight:800;letter-spacing:.14em;color:var(--fct-accent-deep);
  text-transform:uppercase;margin-bottom:10px}
.fct-title{font-size:clamp(1.4rem,4.8vw,2rem);font-weight:800;color:var(--fct-ink)}
.fct-lead{margin-top:12px;color:var(--fct-ink2);font-size:1.02rem}

/* ---------- Category hub cards (index) ---------- */
.fct-hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:760px){.fct-hub-grid{grid-template-columns:1fr}}
.fct-hub-card{display:block;background:var(--fct-surface);border:1px solid var(--fct-border);
  border-radius:var(--fct-r-card);padding:24px 22px;box-shadow:var(--fct-shadow-sm);
  transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.fct-hub-card:hover{transform:translateY(-3px);box-shadow:var(--fct-shadow);border-color:var(--fct-accent-line)}
.fct-hub-card-ico{width:46px;height:46px;border-radius:12px;background:var(--fct-accent-tint);
  display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.fct-hub-card h3{font-size:1.18rem;color:var(--fct-ink)}
.fct-hub-card p{margin-top:8px;color:var(--fct-ink3);font-size:14px}
.fct-hub-card .more{margin-top:14px;font-size:13px;font-weight:800;color:var(--fct-accent-deep)}

/* ---------- Link list (guide/industry/compare inventory) ---------- */
.fct-linklist{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media(max-width:640px){.fct-linklist{grid-template-columns:1fr}}
.fct-linkrow{display:flex;align-items:center;gap:11px;background:var(--fct-surface);
  border:1px solid var(--fct-border);border-radius:var(--fct-r-chip);padding:13px 15px;
  font-size:14.5px;font-weight:600;transition:border-color .16s ease,transform .16s ease}
.fct-linkrow:hover{border-color:var(--fct-accent);transform:translateX(2px)}
.fct-linkrow .ar{margin-left:auto;color:var(--fct-accent-deep);font-weight:800}

/* ---------- Program cards (個社) ---------- */
.fct-program-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
@media(max-width:640px){.fct-program-grid{grid-template-columns:1fr}}
.fct-program-card{position:relative;display:block;background:var(--fct-surface);border:1px solid var(--fct-border);
  border-radius:var(--fct-r-card);padding:20px;box-shadow:var(--fct-shadow-sm);
  transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.fct-program-card:hover{transform:translateY(-3px);box-shadow:var(--fct-shadow);border-color:var(--fct-accent-line)}
.fct-badge{position:absolute;top:14px;right:14px;font-size:10.5px;font-weight:800;letter-spacing:.04em;
  padding:4px 10px;border-radius:var(--fct-r-pill)}
.fct-badge-active{background:rgba(15,157,118,.12);color:var(--fct-ok)}
.fct-badge-pending{background:#eef1f4;color:#8a97a6}
.fct-program-cat{font-size:11.5px;font-weight:800;letter-spacing:.06em;color:var(--fct-accent-deep);text-transform:uppercase}
.fct-program-title{font-size:1.14rem;font-weight:800;color:var(--fct-ink);margin-top:6px}
.fct-program-sub{margin-top:8px;color:var(--fct-ink3);font-size:13.5px;line-height:1.7}
.fct-program-more{margin-top:14px;font-size:13px;font-weight:800;color:var(--fct-accent-deep)}

/* ---------- Breadcrumb ---------- */
.fct-crumb{padding:16px 0 0;font-size:12.5px;color:var(--fct-ink3);font-weight:600}
.fct-crumb a:hover{color:var(--fct-accent)}
.fct-crumb .sep{margin:0 7px;opacity:.6}

/* ---------- Article (page.php: guide/industry/compare) ---------- */
.fct-lp-hero{padding:30px 0 8px}
.fct-lp-cat{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.06em;color:var(--fct-accent-deep);
  background:var(--fct-accent-tint);border:1px solid var(--fct-accent-line);padding:5px 13px;border-radius:var(--fct-r-pill)}
.fct-lp-title{font-size:clamp(1.6rem,5.4vw,2.4rem);font-weight:900;line-height:1.3;margin-top:14px;color:var(--fct-ink)}
.fct-lp-lead{margin-top:16px;color:var(--fct-ink2);font-size:1.03rem}
.fct-lp-stats{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.fct-lp-stat{flex:1 1 130px;background:var(--fct-surface);border:1px solid var(--fct-border);
  border-radius:var(--fct-r-card);padding:15px 16px;box-shadow:var(--fct-shadow-sm)}
.fct-lp-stat-num{font-size:1.5rem;font-weight:900;color:var(--fct-ink);line-height:1.1}
.fct-lp-stat-num .unit{font-size:.6em;font-weight:800;color:var(--fct-accent-deep);margin-left:2px}
.fct-lp-stat-label{font-size:11.5px;color:var(--fct-ink3);margin-top:5px;font-weight:600}
.fct-lp-body{padding:20px 0 60px}

.fct-pain{background:var(--fct-surface);border:1px solid var(--fct-border);border-left:5px solid var(--fct-accent);
  border-radius:var(--fct-r-card);padding:22px 24px;margin:24px 0;box-shadow:var(--fct-shadow-sm)}
.fct-pain h2{font-size:1.2rem;margin-bottom:12px;color:var(--fct-ink)}
.fct-pain ul{margin:0;padding-left:0;list-style:none;display:grid;gap:9px}
.fct-pain li{position:relative;padding-left:26px;font-size:15px;color:var(--fct-ink2)}
.fct-pain li::before{content:"";position:absolute;left:2px;top:9px;width:9px;height:9px;border-radius:50%;
  background:var(--fct-accent);box-shadow:0 0 0 4px var(--fct-accent-tint)}

.fct-block{margin:34px 0}
.fct-block h2{font-size:clamp(1.28rem,4.4vw,1.6rem);font-weight:800;color:var(--fct-ink);
  padding-bottom:12px;margin-bottom:16px;border-bottom:2px solid var(--fct-border);position:relative}
.fct-block h2::after{content:"";position:absolute;left:0;bottom:-2px;width:56px;height:2px;background:var(--fct-accent)}
.fct-block p{margin:0 0 15px;color:var(--fct-ink2);font-size:15.5px}
.fct-block h3{font-size:1.1rem;margin:22px 0 8px;color:var(--fct-ink)}

/* ---------- 仕組み図解 (flow diagram) ---------- */
.fct-diagram{background:var(--fct-surface);border:1px solid var(--fct-border);border-radius:var(--fct-r-card);
  padding:24px 20px;margin:20px 0;box-shadow:var(--fct-shadow-sm)}
.fct-flow{display:flex;align-items:stretch;gap:10px;flex-wrap:wrap;justify-content:center}
.fct-flow-node{flex:1 1 140px;min-width:130px;background:var(--fct-bg);border:1px solid var(--fct-border);
  border-radius:12px;padding:15px 13px;text-align:center}
.fct-flow-node .n{width:30px;height:30px;margin:0 auto 8px;border-radius:50%;background:var(--fct-accent);color:#fff;
  font-weight:900;font-size:13px;display:flex;align-items:center;justify-content:center}
.fct-flow-node b{display:block;font-size:14px;color:var(--fct-ink);font-weight:800}
.fct-flow-node span{display:block;font-size:12px;color:var(--fct-ink3);margin-top:4px}
.fct-flow-arrow{display:flex;align-items:center;color:var(--fct-accent);font-weight:900;font-size:20px}
@media(max-width:560px){.fct-flow{flex-direction:column}.fct-flow-arrow{transform:rotate(90deg)}}

/* ---------- Feature grid ---------- */
.fct-feature-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:640px){.fct-feature-grid{grid-template-columns:1fr}}
.fct-feature-card{background:var(--fct-surface);border:1px solid var(--fct-border);border-radius:var(--fct-r-card);
  padding:20px;box-shadow:var(--fct-shadow-sm)}
.fct-feature-badge{display:inline-block;font-size:10.5px;font-weight:900;letter-spacing:.08em;color:var(--fct-accent-deep);
  background:var(--fct-accent-tint);padding:3px 10px;border-radius:var(--fct-r-pill);margin-bottom:10px}
.fct-feature-card h3{font-size:1.04rem;margin:0 0 6px;color:var(--fct-ink)}
.fct-feature-card p{margin:0;font-size:14px;color:var(--fct-ink3);line-height:1.7}

/* ---------- Compare table ---------- */
.fct-compare-wrap{overflow-x:auto;border-radius:var(--fct-r-card);border:1px solid var(--fct-border);box-shadow:var(--fct-shadow-sm)}
.fct-compare{width:100%;border-collapse:collapse;background:var(--fct-surface);min-width:520px;font-size:14px}
.fct-compare th{background:var(--fct-ink);color:#fff;padding:13px 14px;text-align:left;font-weight:700;font-size:13px;white-space:nowrap}
.fct-compare td{padding:13px 14px;border-top:1px solid var(--fct-border);color:var(--fct-ink2);vertical-align:middle}
.fct-compare tbody tr:nth-child(even){background:#f7fafc}
.fct-compare tr.recommended{background:var(--fct-accent-tint)!important;box-shadow:inset 3px 0 0 var(--fct-accent)}
.fct-compare tr.recommended td{color:var(--fct-ink)}
.fct-compare .star{color:var(--fct-accent-deep);letter-spacing:1px;white-space:nowrap}

/* ---------- Steps ---------- */
.fct-steps{list-style:none;counter-reset:st;margin:0;padding:0;display:grid;gap:14px}
.fct-steps li{position:relative;background:var(--fct-surface);border:1px solid var(--fct-border);
  border-radius:var(--fct-r-card);padding:18px 20px 18px 62px;box-shadow:var(--fct-shadow-sm)}
.fct-steps li::before{counter-increment:st;content:counter(st,decimal-leading-zero);position:absolute;left:16px;top:16px;
  width:34px;height:34px;border-radius:10px;background:var(--fct-accent);color:#fff;font-weight:900;font-size:14px;
  display:flex;align-items:center;justify-content:center}
.fct-steps h3{font-size:1.02rem;margin:0 0 4px;color:var(--fct-ink)}
.fct-steps p{margin:0;font-size:14px;color:var(--fct-ink3)}

/* ---------- Trust badges band ---------- */
.fct-trust{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:22px 0}
@media(max-width:560px){.fct-trust{grid-template-columns:1fr}}
.fct-trust-item{display:flex;gap:11px;align-items:flex-start;background:var(--fct-accent-tint);
  border:1px solid var(--fct-accent-line);border-radius:var(--fct-r-chip);padding:14px 16px}
.fct-trust-item .ck{flex:none;width:22px;height:22px;border-radius:50%;background:var(--fct-accent);color:#fff;
  display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:900;margin-top:1px}
.fct-trust-item b{font-size:14.5px;color:var(--fct-ink);font-weight:800}
.fct-trust-item span{display:block;font-size:12.5px;color:var(--fct-ink3);margin-top:2px}

/* ---------- CTA block ---------- */
.fct-cta-block{background:linear-gradient(135deg,var(--fct-ink),#122c48);border-radius:var(--fct-r-card);
  padding:28px 24px;text-align:center;margin:28px 0;color:#fff}
.fct-cta-block .copy{font-size:1.1rem;font-weight:800;margin-bottom:16px;color:#fff}
.fct-cta-block .sub{font-size:13.5px;color:#b9cadb;margin-bottom:18px}

.fct-final-cta{background:linear-gradient(135deg,var(--fct-ink) 0%,#0a1b2e 100%);border-radius:var(--fct-r-card);
  padding:44px 26px;text-align:center;color:#fff;margin:40px 0 24px}
.fct-final-cta-eyebrow{font-size:11.5px;font-weight:800;letter-spacing:.16em;color:var(--fct-accent);margin-bottom:12px}
.fct-final-cta-title{font-size:clamp(1.4rem,5vw,1.9rem);font-weight:900;line-height:1.35;margin-bottom:16px;color:#fff}
.fct-final-cta p{color:#c2d2e2;font-size:14.5px;margin-bottom:24px;max-width:560px;margin-left:auto;margin-right:auto}

/* ---------- FAQ ---------- */
.fct-faq details{background:var(--fct-surface);border:1px solid var(--fct-border);border-radius:var(--fct-r-chip);
  margin-bottom:10px;overflow:hidden}
.fct-faq summary{padding:16px 46px 16px 18px;font-weight:700;font-size:15px;color:var(--fct-ink);cursor:pointer;
  position:relative;list-style:none}
.fct-faq summary::-webkit-details-marker{display:none}
.fct-faq summary::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);
  color:var(--fct-accent-deep);font-weight:900;font-size:20px;transition:transform .2s ease}
.fct-faq details[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.fct-faq details p{padding:0 18px 16px;margin:0;color:var(--fct-ink2);font-size:14px;line-height:1.85}

/* ---------- Related links ---------- */
.fct-related{margin:32px 0}
.fct-related h2{font-size:1.16rem;margin-bottom:14px;color:var(--fct-ink)}
.fct-related-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media(max-width:560px){.fct-related-grid{grid-template-columns:1fr}}

/* ---------- Risk / disclosure ---------- */
.fct-risk{background:#fbfcfe;border:1px dashed var(--fct-border);border-radius:var(--fct-r-chip);
  padding:18px 20px;margin-top:32px;font-size:12.5px;color:var(--fct-ink3);line-height:1.85}
.fct-risk strong{color:var(--fct-ink)}
.fct-backlink{margin-top:34px;padding-top:20px;border-top:1px solid var(--fct-border);text-align:center}
.fct-backlink a{color:var(--fct-ink3);font-size:13px;font-weight:700}
.fct-backlink a:hover{color:var(--fct-accent)}

/* ---------- Sticky CTA (mobile) ---------- */
.fct-sticky{position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 16px calc(10px + env(safe-area-inset-bottom));
  background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-top:1px solid var(--fct-border);
  box-shadow:0 -8px 24px -18px rgba(13,33,55,.4)}
.fct-sticky a{display:flex;align-items:center;justify-content:center;gap:.4em;width:100%;max-width:520px;margin:0 auto;
  padding:14px;border-radius:var(--fct-r-pill);background:linear-gradient(135deg,var(--fct-accent),var(--fct-accent-deep));
  color:#fff;font-weight:800;font-size:15px;box-shadow:var(--fct-shadow-cta)}
body.has-sticky{padding-bottom:78px}

/* ---------- Footer ---------- */
.fct-footer{background:var(--fct-ink);color:#a9bccf;padding:40px 0 30px;margin-top:20px}
.fct-footer-nav{display:flex;flex-wrap:wrap;gap:18px;justify-content:center;margin-bottom:18px}
.fct-footer-nav a{color:#cfdcea;font-size:13px;font-weight:600}
.fct-footer-nav a:hover{color:#fff}
.fct-footer-note{font-size:11.5px;line-height:1.9;text-align:center;color:#8fa4b8;max-width:720px;margin:0 auto}

/* =========================================================
   TOP v2 — premium editorial (4K写真ヒーロー / 豪華版)
   ========================================================= */
.ft-hero{position:relative;min-height:92vh;display:flex;align-items:center;overflow:hidden;background:#0a1626}
.ft-hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:72% 50%}
.ft-hero-veil{position:absolute;inset:0;background:linear-gradient(90deg,
  rgba(8,18,32,.95) 0%, rgba(8,18,32,.82) 34%, rgba(8,18,32,.34) 62%, rgba(8,18,32,.08) 100%)}
.ft-hero-in{position:relative;z-index:2;max-width:1180px;margin:0 auto;padding:132px 28px 72px;width:100%}
.ft-eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:12px;font-weight:900;letter-spacing:.2em;
  color:#7fe3f5;margin-bottom:26px}
.ft-eyebrow::before{content:"";width:30px;height:1.5px;background:#7fe3f5}
.ft-hero h1{font-size:clamp(2.2rem,5.6vw,4rem);font-weight:900;color:#fff;line-height:1.2;letter-spacing:-.015em;max-width:16ch}
.ft-hero h1 .em{color:#7fe3f5}
.ft-hero-lead{margin-top:28px;color:rgba(255,255,255,.84);font-size:1.06rem;max-width:44ch;line-height:1.95}
.ft-hero-cta{margin-top:38px;display:flex;flex-wrap:wrap;gap:14px}
.ft-btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;white-space:nowrap;
  padding:18px 36px;border-radius:4px;font-weight:900;font-size:1.02rem;
  transition:transform .2s cubic-bezier(.16,1,.3,1),background .2s ease,box-shadow .2s ease}
.ft-btn-main{background:var(--fct-accent);color:#fff;box-shadow:0 18px 38px -14px rgba(8,145,178,.75)}
.ft-btn-main:hover{background:var(--fct-accent-deep);transform:translateY(-2px)}
.ft-btn-ghost{border:1.5px solid rgba(255,255,255,.45);color:#fff}
.ft-btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.ft-hero-note{margin-top:18px;font-size:12.5px;color:rgba(255,255,255,.56);font-weight:600}

/* dark stats bar */
.ft-stats{background:#0a1626;border-top:1px solid rgba(255,255,255,.09)}
.ft-stats-in{max-width:1180px;margin:0 auto;padding:0 28px;display:grid;grid-template-columns:repeat(4,1fr)}
@media(max-width:680px){.ft-stats-in{grid-template-columns:repeat(2,1fr)}}
.ft-stat{padding:38px 12px;text-align:center;border-right:1px solid rgba(255,255,255,.09)}
.ft-stat:last-child{border-right:0}
@media(max-width:680px){.ft-stat:nth-child(2){border-right:0}.ft-stat:nth-child(-n+2){border-bottom:1px solid rgba(255,255,255,.09)}}
.ft-stat-num{font-size:clamp(1.7rem,3.6vw,2.6rem);font-weight:900;color:#fff;line-height:1}
.ft-stat-num .u{font-size:.44em;color:#7fe3f5;margin-left:3px}
.ft-stat-label{margin-top:10px;font-size:11.5px;color:rgba(255,255,255,.55);font-weight:700;letter-spacing:.1em}

/* section */
.ft-sec{padding:104px 0}
.ft-sec-dark{background:#0a1626;color:#fff}
.ft-kicker{font-size:11.5px;font-weight:900;letter-spacing:.22em;color:var(--fct-accent);margin-bottom:18px}
.ft-sec-dark .ft-kicker{color:#7fe3f5}
.ft-title{font-size:clamp(1.6rem,3.6vw,2.5rem);font-weight:900;letter-spacing:-.012em;max-width:22ch}
.ft-sec-dark .ft-title{color:#fff}
.ft-lead{margin-top:22px;color:var(--fct-ink2);font-size:1.05rem;max-width:60ch}
.ft-sec-dark .ft-lead{color:rgba(255,255,255,.76)}

/* big hub cards with photo */
.ft-hub{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
@media(max-width:900px){.ft-hub{grid-template-columns:1fr}}
.ft-hub-card{position:relative;display:block;background:#fff;border:1px solid var(--fct-border);border-radius:6px;
  overflow:hidden;transition:transform .22s cubic-bezier(.16,1,.3,1),box-shadow .22s ease,border-color .22s ease}
.ft-hub-card:hover{transform:translateY(-5px);box-shadow:0 30px 60px -30px rgba(13,33,55,.5);border-color:var(--fct-accent)}
.ft-hub-media{aspect-ratio:16/10;overflow:hidden;background:#dce7f0}
.ft-hub-media img{width:100%;height:100%;object-fit:cover;transition:transform .5s cubic-bezier(.16,1,.3,1)}
.ft-hub-card:hover .ft-hub-media img{transform:scale(1.05)}
.ft-hub-body{padding:28px 26px 30px}
.ft-hub-no{font-size:11px;font-weight:900;letter-spacing:.18em;color:var(--fct-accent);margin-bottom:10px}
.ft-hub-card h3{font-size:1.28rem;font-weight:900;color:var(--fct-ink);letter-spacing:-.01em}
.ft-hub-card p{margin-top:10px;font-size:14px;color:var(--fct-ink3);line-height:1.8}
.ft-hub-more{margin-top:18px;font-size:13px;font-weight:900;color:var(--fct-accent-deep);display:inline-flex;gap:6px;align-items:center}

/* editorial split (top) */
.ft-split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
@media(max-width:900px){.ft-split{grid-template-columns:1fr;gap:36px}}
.ft-split-media img{width:100%;aspect-ratio:3/2;object-fit:cover;border-radius:6px;
  box-shadow:0 30px 70px -34px rgba(13,33,55,.6)}

/* flow (dark) */
.ft-flow{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:48px;
  border-top:1px solid rgba(255,255,255,.14)}
@media(max-width:820px){.ft-flow{grid-template-columns:1fr}}
.ft-flow-step{padding:30px 24px 34px;border-right:1px solid rgba(255,255,255,.14)}
.ft-flow-step:last-child{border-right:0}
@media(max-width:820px){.ft-flow-step{border-right:0;border-bottom:1px solid rgba(255,255,255,.14)}}
.ft-flow-no{font-size:2.4rem;font-weight:900;color:#7fe3f5;line-height:1;letter-spacing:-.03em}
.ft-flow-step h3{margin-top:14px;font-size:1.04rem;font-weight:900;color:#fff}
.ft-flow-step p{margin-top:8px;font-size:13.5px;color:rgba(255,255,255,.62);line-height:1.8}

/* index link list (top) */
.ft-list{display:grid;grid-template-columns:1fr 1fr;gap:0;margin-top:36px;border-top:1px solid var(--fct-border)}
@media(max-width:760px){.ft-list{grid-template-columns:1fr}}
.ft-list a{display:flex;align-items:center;gap:14px;padding:20px 6px;border-bottom:1px solid var(--fct-border);
  font-size:14.5px;font-weight:600;color:var(--fct-ink2);transition:color .18s ease,padding .18s ease}
.ft-list a:hover{color:var(--fct-accent-deep);padding-left:12px}
.ft-list .n{flex:none;font-size:11px;font-weight:900;color:var(--fct-accent);letter-spacing:.08em}
.ft-list .ar{margin-left:auto;color:var(--fct-accent);font-weight:900}

/* services */
.ft-svc{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:40px}
@media(max-width:760px){.ft-svc{grid-template-columns:1fr}}
.ft-svc-card{position:relative;background:#fff;border:1px solid var(--fct-border);border-radius:6px;padding:26px}
.ft-svc-card:hover{border-color:var(--fct-accent-line)}
.ft-svc-badge{position:absolute;top:18px;right:18px;font-size:10px;font-weight:900;letter-spacing:.06em;
  padding:4px 10px;border-radius:999px}
.ft-svc-cat{font-size:11px;font-weight:900;letter-spacing:.12em;color:var(--fct-accent);text-transform:uppercase}
.ft-svc-card h3{margin-top:8px;font-size:1.1rem;font-weight:900;color:var(--fct-ink);max-width:20ch}
.ft-svc-card p{margin-top:10px;font-size:13.5px;color:var(--fct-ink3);line-height:1.8}
.ft-svc-card .go{display:inline-flex;margin-top:16px;font-size:13px;font-weight:900;color:var(--fct-accent-deep)}

/* final (photo bg) */
.ft-final{position:relative;overflow:hidden;background:#0a1626}
.ft-final-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.26}
.ft-final-in{position:relative;z-index:2;max-width:820px;margin:0 auto;padding:112px 28px;text-align:center}
.ft-final h2{font-size:clamp(1.8rem,4vw,2.7rem);font-weight:900;color:#fff;line-height:1.35;letter-spacing:-.015em}
.ft-final p{margin:26px auto 0;color:rgba(255,255,255,.76);max-width:52ch}
.ft-final .ft-btn{margin-top:40px}

@media(max-width:860px){
  .ft-hero{min-height:auto}
  .ft-hero-in{padding:128px 24px 60px}
  .ft-hero-veil{background:linear-gradient(180deg,rgba(8,18,32,.76) 0%,rgba(8,18,32,.86) 58%,rgba(8,18,32,.96) 100%)}
  .ft-sec{padding:72px 0}
}

/* ---------- Meta: updated date + sources (E-E-A-T) ---------- */
.fct-lp-updated{display:inline-block;margin-left:10px;font-size:12px;font-weight:700;color:var(--fct-ink3)}
.fct-sources{background:var(--fct-surface);border:1px solid var(--fct-border);border-radius:var(--fct-r-chip);
  padding:18px 20px;margin-top:28px}
.fct-sources h3{font-size:14px;color:var(--fct-ink);margin:0 0 10px}
.fct-sources ul{margin:0 0 12px;padding-left:20px;display:grid;gap:6px}
.fct-sources li{font-size:13px;color:var(--fct-ink2)}
.fct-sources a{color:var(--fct-accent-deep);font-weight:600;text-decoration:underline}
.fct-editor{font-size:12px;color:var(--fct-ink3);line-height:1.8;margin:0}