/* ==========================================================================
   Bank BC - Design System
   bank-bc.com  |  Independent CSP & BC Service Provider
   Single stylesheet. Fonts: Montserrat (headings) + Poppins (body).
   ==========================================================================
   CONTENTS
   01. Tokens
   02. Reset & base
   03. Typography
   04. Layout: container, section, grid
   05. Buttons
   06. Badges, eyebrows, pills
   07. Header & navigation
   08. Hero
   09. Cards, features, icon badges
   10. Stats strip
   11. Process / steps
   12. Checklists
   13. Accordion (FAQ)
   14. CTA band
   15. Forms
   16. Modal / popup
   17. Breadcrumb
   18. Prose (legal pages)
   19. Footer
   20. Back to top
   21. Motion & reveal
   22. Utilities
   23. Print
   ========================================================================== */

/* == 01. Tokens =========================================================== */
:root {
  /* Brand ramp - deep navy */
  --brand-50:  #eef4fb;
  --brand-100: #d8e6f6;
  --brand-200: #b3cbe9;
  --brand-300: #7fa8d6;
  --brand-400: #4b7fbc;
  --brand-500: #2a619f;
  --brand-600: #1a4a80;
  --brand-700: #123a67;
  --brand-800: #0d2b4d;
  --brand-900: #081d36;
  --brand-950: #04101f;

  /* Accent ramp - warm gold */
  --gold-50:  #fff9ec;
  --gold-100: #fdefcb;
  --gold-200: #fadd92;
  --gold-300: #f6c65a;
  --gold-400: #f2a93b;
  --gold-500: #e08d18;
  --gold-600: #b96c11;
  --gold-700: #914f12;

  /* Support */
  --teal-400: #2bb3a3;
  --teal-500: #1c9384;
  --green-500: #16a34a;
  --green-50: #ecfdf3;
  --red-500: #d92d20;
  --red-50: #fef3f2;

  /* Semantic */
  --bg:            #ffffff;
  --surface:       #f6f9fd;
  --surface-alt:   #eef4fb;
  --border:        #e0e8f3;
  --border-strong: #c8d6e8;
  --text:          #0b1b2b;
  --text-soft:     #34495f;
  --text-muted:    #5d7186;
  --text-invert:   #ffffff;
  --text-invert-muted: rgba(255, 255, 255, .78);

  --primary:        var(--brand-700);
  --primary-hover:  var(--brand-800);
  --primary-soft:   var(--brand-50);
  --accent:         var(--gold-400);
  --accent-hover:   var(--gold-500);

  /* Gradients */
  --grad-brand: linear-gradient(135deg, #081d36 0%, #123a67 45%, #1a4a80 100%);
  --grad-brand-soft: linear-gradient(135deg, #eef4fb 0%, #f6f9fd 100%);
  --grad-gold: linear-gradient(135deg, #f6c65a 0%, #f2a93b 55%, #e08d18 100%);

  /* Radii */
  --r-xs: 6px;
  --r-sm: 10px;
  --r-md: 14px;
  --r-lg: 20px;
  --r-xl: 28px;
  --r-pill: 999px;

  /* Shadows - soft, layered */
  --sh-xs: 0 1px 2px rgba(8, 29, 54, .06);
  --sh-sm: 0 2px 6px rgba(8, 29, 54, .06), 0 1px 2px rgba(8, 29, 54, .04);
  --sh-md: 0 8px 20px -6px rgba(8, 29, 54, .12), 0 3px 8px -4px rgba(8, 29, 54, .08);
  --sh-lg: 0 20px 44px -12px rgba(8, 29, 54, .18), 0 8px 16px -10px rgba(8, 29, 54, .10);
  --sh-xl: 0 36px 72px -20px rgba(8, 29, 54, .30), 0 12px 24px -14px rgba(8, 29, 54, .14);
  --sh-gold: 0 10px 26px -8px rgba(224, 141, 24, .45);

  /* Spacing */
  --sp-1: 4px;
  --sp-2: 8px;
  --sp-3: 12px;
  --sp-4: 16px;
  --sp-5: 20px;
  --sp-6: 24px;
  --sp-7: 32px;
  --sp-8: 40px;
  --sp-9: 48px;
  --sp-10: 64px;
  --sp-11: 80px;
  --sp-12: 104px;

  /* Layout */
  --container: 1180px;
  --container-narrow: 820px;
  --header-h: 72px;

  /* Motion */
  --t-fast: 140ms cubic-bezier(.4, 0, .2, 1);
  --t-base: 240ms cubic-bezier(.4, 0, .2, 1);
  --t-slow: 420ms cubic-bezier(.22, 1, .36, 1);

  /* z-index scale */
  --z-sticky: 100;
  --z-header: 200;
  --z-drawer: 300;
  --z-modal: 400;
  --z-top: 500;
}

/* == 02. Reset & base ===================================================== */
*,
*::before,
*::after { box-sizing: border-box; }

* { margin: 0; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 16px);
}

body {
  font-family: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

/* Scroll lock used by modal + drawer (JS adds this to <body>) */
body.is-locked {
  position: fixed;
  width: 100%;
  overflow: hidden;
}

img,
svg,
video { display: block; max-width: 100%; height: auto; }

a {
  color: var(--primary);
  text-decoration: none;
  transition: color var(--t-fast);
}

a:hover { color: var(--brand-500); }

button,
input,
select,
textarea { font: inherit; color: inherit; }

button { cursor: pointer; background: none; border: 0; }

ul,
ol { padding: 0; list-style: none; }

:focus-visible {
  outline: 3px solid var(--gold-400);
  outline-offset: 2px;
  border-radius: 4px;
}

::selection { background: var(--brand-700); color: #fff; }

hr { border: 0; border-top: 1px solid var(--border); margin: var(--sp-8) 0; }

/* == 03. Typography ======================================================= */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-weight: 700;
  line-height: 1.18;
  color: var(--brand-900);
  letter-spacing: -0.02em;
  text-wrap: balance;
}

h1 { font-size: clamp(2rem, 1.35rem + 2.9vw, 3.4rem); font-weight: 800; letter-spacing: -0.032em; }
h2 { font-size: clamp(1.6rem, 1.2rem + 1.8vw, 2.5rem); letter-spacing: -0.026em; }
h3 { font-size: clamp(1.2rem, 1.05rem + 0.7vw, 1.55rem); letter-spacing: -0.018em; }
h4 { font-size: clamp(1.05rem, 1rem + 0.3vw, 1.2rem); font-weight: 600; letter-spacing: -0.012em; }
h5 { font-size: 1rem; font-weight: 600; }

p { text-wrap: pretty; }
p + p { margin-top: var(--sp-4); }

.lead {
  font-size: clamp(1.02rem, 0.98rem + 0.35vw, 1.18rem);
  line-height: 1.75;
  color: var(--text-soft);
}

.text-muted { color: var(--text-muted); }
.text-sm { font-size: .9rem; }
.text-xs { font-size: .8rem; }

strong,
b { font-weight: 600; color: var(--brand-900); }

/* Section heading cluster */
.section-head { max-width: 720px; margin-bottom: var(--sp-9); }
.section-head.is-center { margin-inline: auto; text-align: center; }
.section-head p { margin-top: var(--sp-4); }

/* == 04. Layout =========================================================== */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--sp-5);
}

.container-narrow { max-width: var(--container-narrow); }

.section { padding-block: clamp(var(--sp-10), 7vw, var(--sp-12)); }
.section-sm { padding-block: clamp(var(--sp-9), 5vw, var(--sp-11)); }
.section-surface { background: var(--surface); }
.section-alt { background: var(--grad-brand-soft); }
.section-dark { background: var(--grad-brand); color: var(--text-invert); }
.section-dark h1,
.section-dark h2,
.section-dark h3,
.section-dark h4 { color: #fff; }
.section-dark p { color: var(--text-invert-muted); }

.grid { display: grid; gap: var(--sp-6); }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(268px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(228px, 1fr)); }

.split {
  display: grid;
  gap: clamp(var(--sp-7), 5vw, var(--sp-10));
  align-items: center;
  grid-template-columns: 1fr;
}

@media (min-width: 900px) {
  .split { grid-template-columns: 1fr 1fr; }
  .split-wide-left { grid-template-columns: 1.15fr .85fr; }
  .split-wide-right { grid-template-columns: .85fr 1.15fr; }
}

.stack { display: flex; flex-direction: column; gap: var(--sp-4); }
.cluster { display: flex; flex-wrap: wrap; gap: var(--sp-3); align-items: center; }

/* == 05. Buttons ========================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-2);
  min-height: 50px;
  padding: 0 var(--sp-7);
  font-family: 'Poppins', sans-serif;
  font-size: .95rem;
  font-weight: 600;
  border-radius: var(--r-pill);
  border: 1.5px solid transparent;
  text-align: center;
  transition: transform var(--t-fast), box-shadow var(--t-base), background var(--t-base), color var(--t-base), border-color var(--t-base);
  -webkit-tap-highlight-color: transparent;
}

.btn svg { width: 18px; height: 18px; flex: none; }
.btn:active { transform: translateY(1px); }

.btn-primary { background: var(--primary); color: #fff; box-shadow: var(--sh-md); }
.btn-primary:hover { background: var(--primary-hover); color: #fff; box-shadow: var(--sh-lg); transform: translateY(-2px); }

.btn-accent { background: var(--grad-gold); color: var(--brand-950); box-shadow: var(--sh-gold); font-weight: 700; }
.btn-accent:hover { color: var(--brand-950); box-shadow: 0 14px 32px -8px rgba(224, 141, 24, .6); transform: translateY(-2px); }

.btn-outline { background: transparent; color: var(--primary); border-color: var(--border-strong); }
.btn-outline:hover { background: var(--primary-soft); border-color: var(--brand-300); color: var(--primary-hover); }

.btn-ghost { background: rgba(255, 255, 255, .1); color: #fff; border-color: rgba(255, 255, 255, .38); }
.btn-ghost:hover { background: rgba(255, 255, 255, .2); color: #fff; border-color: rgba(255, 255, 255, .65); }

.btn-white { background: #fff; color: var(--brand-800); box-shadow: var(--sh-md); }
.btn-white:hover { background: var(--brand-50); color: var(--brand-900); transform: translateY(-2px); }

.btn-sm { min-height: 44px; padding: 0 var(--sp-5); font-size: .875rem; }
.btn-lg { min-height: 58px; padding: 0 var(--sp-8); font-size: 1.02rem; }
.btn-block { display: flex; width: 100%; }

.btn[disabled],
.btn.is-loading { opacity: .65; pointer-events: none; }

.btn.is-loading::after {
  content: '';
  width: 16px;
  height: 16px;
  border: 2px solid currentColor;
  border-right-color: transparent;
  border-radius: 50%;
  animation: spin .7s linear infinite;
}

@keyframes spin { to { transform: rotate(360deg); } }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  font-size: .93rem;
}

.link-arrow svg { width: 16px; height: 16px; transition: transform var(--t-base); }
.link-arrow:hover svg { transform: translateX(4px); }

/* == 06. Badges, eyebrows, pills ========================================== */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  font-family: 'Montserrat', sans-serif;
  font-size: .74rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--brand-500);
  margin-bottom: var(--sp-4);
}

.eyebrow::before {
  content: '';
  width: 26px;
  height: 2px;
  border-radius: 2px;
  background: var(--grad-gold);
  flex: none;
}

.is-center .eyebrow { justify-content: center; }
.section-dark .eyebrow { color: var(--gold-300); }

.pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 6px 14px;
  font-size: .8rem;
  font-weight: 500;
  border-radius: var(--r-pill);
  background: var(--surface-alt);
  color: var(--brand-700);
  border: 1px solid var(--border);
}

.pill svg { width: 15px; height: 15px; color: var(--gold-600); }
.pill-light { background: rgba(255, 255, 255, .12); border-color: rgba(255, 255, 255, .26); color: #fff; }
.pill-light svg { color: var(--gold-300); }

/* == 07. Header & navigation ============================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: var(--z-header);
  background: rgba(255, 255, 255, .88);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: box-shadow var(--t-base), border-color var(--t-base), background var(--t-base);
}

.site-header.is-scrolled {
  border-bottom-color: var(--border);
  box-shadow: var(--sh-sm);
  background: rgba(255, 255, 255, .95);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-5);
  min-height: var(--header-h);
}

.brand { display: inline-flex; align-items: center; gap: 10px; flex: none; }
.brand:hover { color: inherit; }
.brand-mark { width: 38px; height: 38px; flex: none; }
.brand-text { display: flex; flex-direction: column; line-height: 1.05; }

.brand-name {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.16rem;
  font-weight: 800;
  letter-spacing: -.02em;
  color: var(--brand-900);
}

.brand-tag {
  font-size: .62rem;
  font-weight: 600;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--brand-500);
}

.nav-desktop { display: none; }

@media (min-width: 992px) {
  .nav-desktop { display: flex; align-items: center; gap: var(--sp-2); }
}

.nav-link {
  position: relative;
  display: block;
  padding: 8px 14px;
  font-size: .94rem;
  font-weight: 500;
  color: var(--text-soft);
  border-radius: var(--r-sm);
  transition: color var(--t-fast), background var(--t-fast);
}

.nav-link:hover { color: var(--brand-700); background: var(--brand-50); }
.nav-link.is-active { color: var(--brand-800); font-weight: 600; }

.nav-link.is-active::after {
  content: '';
  position: absolute;
  left: 14px;
  right: 14px;
  bottom: 2px;
  height: 2px;
  border-radius: 2px;
  background: var(--grad-gold);
}

.header-actions { display: flex; align-items: center; gap: var(--sp-3); }

.header-call {
  display: none;
  align-items: center;
  gap: 8px;
  font-size: .9rem;
  font-weight: 600;
  color: var(--brand-800);
  padding: 8px 12px;
  border-radius: var(--r-sm);
}

.header-call:hover { background: var(--brand-50); color: var(--brand-900); }
.header-call svg { width: 17px; height: 17px; color: var(--gold-600); }

@media (min-width: 768px) { .header-call { display: inline-flex; } }

.header-cta { display: none; }

@media (min-width: 992px) { .header-cta { display: inline-flex; } }

/* Hamburger */
.nav-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border-radius: var(--r-sm);
  border: 1px solid var(--border);
  background: #fff;
  color: var(--brand-800);
  transition: background var(--t-fast), border-color var(--t-fast);
}

.nav-toggle:hover { background: var(--brand-50); border-color: var(--border-strong); }

@media (min-width: 992px) { .nav-toggle { display: none; } }

.nav-toggle span {
  position: relative;
  display: block;
  width: 20px;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
  transition: transform var(--t-base), background var(--t-fast);
}

.nav-toggle span::before,
.nav-toggle span::after {
  content: '';
  position: absolute;
  left: 0;
  width: 20px;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
  transition: transform var(--t-base), top var(--t-base);
}

.nav-toggle span::before { top: -6px; }
.nav-toggle span::after { top: 6px; }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { top: 0; transform: rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after { top: 0; transform: rotate(-45deg); }

/* Drawer */
.nav-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(8, 29, 54, .5);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--t-base), visibility var(--t-base);
  z-index: var(--z-drawer);
}

.nav-backdrop.is-open { opacity: 1; visibility: visible; }

.nav-drawer {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  width: min(340px, 86vw);
  background: #fff;
  z-index: calc(var(--z-drawer) + 1);
  transform: translateX(101%);
  transition: transform var(--t-slow);
  display: flex;
  flex-direction: column;
  box-shadow: var(--sh-xl);
  overflow-y: auto;
  overscroll-behavior: contain;
  visibility: hidden;
}

.nav-drawer.is-open { transform: translateX(0); visibility: visible; }

.drawer-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--sp-5);
  border-bottom: 1px solid var(--border);
}

.drawer-close {
  width: 44px;
  height: 44px;
  border-radius: var(--r-sm);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--border);
  color: var(--brand-800);
}

.drawer-close:hover { background: var(--brand-50); }
.drawer-close svg { width: 20px; height: 20px; }

.drawer-nav { padding: var(--sp-4) var(--sp-5); display: flex; flex-direction: column; gap: 2px; }

.drawer-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px;
  font-size: 1rem;
  font-weight: 500;
  color: var(--text-soft);
  border-radius: var(--r-sm);
  min-height: 52px;
  transition: background var(--t-fast), color var(--t-fast);
}

.drawer-link:hover { background: var(--brand-50); color: var(--brand-800); }
.drawer-link.is-active { background: var(--brand-50); color: var(--brand-800); font-weight: 600; }
.drawer-link svg { width: 16px; height: 16px; opacity: .4; }

.drawer-foot {
  margin-top: auto;
  padding: var(--sp-5) var(--sp-5) calc(var(--sp-5) + env(safe-area-inset-bottom, 0px));
  border-top: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  gap: var(--sp-3);
  background: var(--surface);
}

.drawer-contact { font-size: .875rem; color: var(--text-muted); }
.drawer-contact a { font-weight: 600; }

/* == 08. Hero ============================================================= */
.hero {
  position: relative;
  background: var(--grad-brand);
  color: var(--text-invert);
  overflow: hidden;
  padding-block: clamp(var(--sp-10), 8vw, 120px);
}

.hero::before {
  content: '';
  position: absolute;
  top: -180px;
  right: -140px;
  width: 620px;
  height: 620px;
  max-width: 120vw;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(242, 169, 59, .20) 0%, rgba(242, 169, 59, 0) 68%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -260px;
  left: -160px;
  width: 560px;
  height: 560px;
  max-width: 120vw;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(43, 179, 163, .18) 0%, rgba(43, 179, 163, 0) 70%);
  pointer-events: none;
}

.hero > .container { position: relative; z-index: 2; }
.hero h1 { color: #fff; }

.hero h1 em {
  font-style: normal;
  background: var(--grad-gold);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.hero-lead { color: var(--text-invert-muted); margin-top: var(--sp-5); max-width: 56ch; }
.hero-actions { margin-top: var(--sp-8); display: flex; flex-wrap: wrap; gap: var(--sp-4); }
.hero-actions .btn { flex: 1 1 auto; min-width: 190px; }

@media (min-width: 560px) { .hero-actions .btn { flex: 0 0 auto; } }

.hero-trust {
  margin-top: var(--sp-8);
  padding-top: var(--sp-6);
  border-top: 1px solid rgba(255, 255, 255, .14);
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-3);
}

.hero-art { position: relative; }

@media (max-width: 899px) { .hero-art { margin-top: var(--sp-9); } }

/* Page hero (inner pages) */
.page-hero {
  position: relative;
  background: var(--grad-brand);
  color: var(--text-invert);
  padding-block: clamp(var(--sp-9), 6vw, var(--sp-11));
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  top: -200px;
  right: -100px;
  width: 480px;
  height: 480px;
  max-width: 120vw;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(242, 169, 59, .16) 0%, rgba(242, 169, 59, 0) 70%);
  pointer-events: none;
}

.page-hero > .container { position: relative; z-index: 2; }
.page-hero h1 { color: #fff; max-width: 22ch; }
.page-hero p { color: var(--text-invert-muted); margin-top: var(--sp-4); max-width: 62ch; }

/* == 09. Cards, features, icon badges ===================================== */
.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: var(--sp-7);
  box-shadow: var(--sh-xs);
  transition: transform var(--t-base), box-shadow var(--t-base), border-color var(--t-base);
  height: 100%;
}

.card-hover:hover {
  transform: translateY(-4px);
  box-shadow: var(--sh-lg);
  border-color: var(--brand-200);
}

.card-soft { background: var(--surface); border-color: transparent; box-shadow: none; }
.card-dark { background: var(--grad-brand); color: var(--text-invert); border-color: rgba(255, 255, 255, .1); }
.card-dark h3,
.card-dark h4 { color: #fff; }
.card-dark p { color: var(--text-invert-muted); }
.card h3,
.card h4 { margin-bottom: var(--sp-3); }
.card p { color: var(--text-muted); font-size: .945rem; }

.icon-badge {
  width: 52px;
  height: 52px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--r-md);
  background: var(--brand-50);
  color: var(--brand-600);
  margin-bottom: var(--sp-5);
  flex: none;
  transition: background var(--t-base), color var(--t-base), transform var(--t-base);
}

.icon-badge svg { width: 26px; height: 26px; }
.card-hover:hover .icon-badge { background: var(--brand-700); color: #fff; transform: scale(1.05); }
.icon-badge-gold { background: var(--gold-50); color: var(--gold-700); }
.card-hover:hover .icon-badge-gold { background: var(--grad-gold); color: var(--brand-950); }
.icon-badge-sm { width: 44px; height: 44px; margin-bottom: 0; border-radius: var(--r-sm); }
.icon-badge-sm svg { width: 21px; height: 21px; }
.icon-badge-light { background: rgba(255, 255, 255, .12); color: var(--gold-300); }

.card-row { display: flex; gap: var(--sp-4); align-items: flex-start; }
.card-row .icon-badge { margin-bottom: 0; }

/* Numbered feature card */
.card-num { position: relative; overflow: hidden; }

.card-num::after {
  content: attr(data-num);
  position: absolute;
  right: var(--sp-5);
  top: var(--sp-3);
  font-family: 'Montserrat', sans-serif;
  font-size: 3.4rem;
  font-weight: 800;
  color: var(--brand-50);
  line-height: 1;
  pointer-events: none;
}

/* == 10. Stats strip ====================================================== */
.stats {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  overflow: hidden;
}

@media (min-width: 768px) { .stats { grid-template-columns: repeat(4, 1fr); } }

.stat { background: #fff; padding: var(--sp-7) var(--sp-5); text-align: center; }

.stat-value {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(1.6rem, 1.3rem + 1.4vw, 2.3rem);
  font-weight: 800;
  letter-spacing: -.03em;
  color: var(--brand-700);
}

.stat-label {
  margin-top: 6px;
  font-size: .84rem;
  font-weight: 500;
  color: var(--text-muted);
  line-height: 1.45;
}

.stats-dark { border-color: rgba(255, 255, 255, .12); background: rgba(255, 255, 255, .12); }
.stats-dark .stat { background: var(--brand-800); }
.stats-dark .stat-value { color: var(--gold-300); }
.stats-dark .stat-label { color: var(--text-invert-muted); }

/* == 11. Process / steps ================================================== */
.steps { display: grid; gap: var(--sp-6); }

@media (min-width: 768px) {
  .steps-row { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
}

.step { position: relative; padding-left: 64px; }

.step-num {
  position: absolute;
  left: 0;
  top: 0;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  font-size: 1.02rem;
  background: var(--grad-brand);
  color: #fff;
  box-shadow: var(--sh-md);
}

.step h3,
.step h4 { margin-bottom: 6px; }
.step p { color: var(--text-muted); font-size: .945rem; }

/* Vertical connector for stacked timeline */
.steps-timeline { gap: var(--sp-7); }

.steps-timeline .step:not(:last-child)::before {
  content: '';
  position: absolute;
  left: 22px;
  top: 54px;
  bottom: -24px;
  width: 2px;
  background: linear-gradient(180deg, var(--brand-200), transparent);
}

.section-dark .step-num { background: var(--grad-gold); color: var(--brand-950); }
.section-dark .step p { color: var(--text-invert-muted); }

.section-dark .steps-timeline .step:not(:last-child)::before {
  background: linear-gradient(180deg, rgba(255, 255, 255, .28), transparent);
}

/* == 12. Checklists ======================================================= */
.check-list { display: flex; flex-direction: column; gap: var(--sp-3); }

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-3);
  font-size: .95rem;
  color: var(--text-soft);
  line-height: 1.6;
}

.check-list li::before {
  content: '';
  width: 22px;
  height: 22px;
  flex: none;
  margin-top: 3px;
  border-radius: 50%;
  background-color: var(--green-50);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2315803d' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");
  background-size: 13px;
  background-position: center;
  background-repeat: no-repeat;
}

.check-list-doc li::before {
  background-color: var(--brand-50);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23123a67' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M14 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V8z'/%3E%3Cpolyline points='14 2 14 8 20 8'/%3E%3C/svg%3E");
  background-size: 12px;
}

.section-dark .check-list li { color: var(--text-invert-muted); }
.section-dark .check-list li::before { background-color: rgba(255, 255, 255, .14); }

/* == 13. Accordion (FAQ) ================================================== */
.accordion { display: flex; flex-direction: column; gap: var(--sp-3); }

.acc-item {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  overflow: hidden;
  transition: border-color var(--t-base), box-shadow var(--t-base);
}

.acc-item.is-open { border-color: var(--brand-200); box-shadow: var(--sh-md); }

.acc-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--sp-4);
  width: 100%;
  text-align: left;
  padding: var(--sp-5) var(--sp-6);
  min-height: 62px;
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--brand-900);
  line-height: 1.45;
  transition: background var(--t-fast);
}

.acc-trigger:hover { background: var(--surface); }

.acc-icon {
  flex: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--brand-50);
  color: var(--brand-600);
  transition: transform var(--t-base), background var(--t-base), color var(--t-base);
}

.acc-icon svg { width: 15px; height: 15px; }
.acc-item.is-open .acc-icon { transform: rotate(180deg); background: var(--brand-700); color: #fff; }

/* Height is driven by main.js so the open/close animation is reliable across
   browsers. Panels start closed; JS sets an explicit height, then 'auto'. */
.acc-panel {
  height: 0;
  overflow: hidden;
  transition: height var(--t-slow);
}

.acc-panel p {
  padding: 0 var(--sp-6) var(--sp-6);
  color: var(--text-muted);
  font-size: .95rem;
}

/* == 14. CTA band ========================================================= */
.cta-band {
  position: relative;
  background: var(--grad-brand);
  border-radius: var(--r-xl);
  padding: clamp(var(--sp-8), 5vw, var(--sp-11)) clamp(var(--sp-6), 4vw, var(--sp-10));
  color: var(--text-invert);
  overflow: hidden;
  text-align: center;
}

.cta-band::before {
  content: '';
  position: absolute;
  top: -160px;
  right: -80px;
  width: 420px;
  height: 420px;
  max-width: 120vw;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(242, 169, 59, .22) 0%, rgba(242, 169, 59, 0) 70%);
  pointer-events: none;
}

.cta-band > * { position: relative; z-index: 2; }
.cta-band h2 { color: #fff; max-width: 22ch; margin-inline: auto; }
.cta-band p { color: var(--text-invert-muted); margin-top: var(--sp-4); max-width: 58ch; margin-inline: auto; }

.cta-actions {
  margin-top: var(--sp-8);
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-4);
  justify-content: center;
}

.cta-actions .btn { flex: 1 1 auto; min-width: 200px; }

@media (min-width: 560px) { .cta-actions .btn { flex: 0 0 auto; } }

/* == 15. Forms ============================================================ */
.form-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: clamp(var(--sp-6), 3vw, var(--sp-8));
  box-shadow: var(--sh-lg);
}

.form-grid { display: grid; gap: var(--sp-5); grid-template-columns: 1fr; }

@media (min-width: 560px) { .form-grid-2 { grid-template-columns: 1fr 1fr; } }

.field-full { grid-column: 1 / -1; }

.field { display: flex; flex-direction: column; gap: 7px; min-width: 0; }

.field label {
  font-size: .855rem;
  font-weight: 600;
  color: var(--text-soft);
}

.field label .req { color: var(--red-500); margin-left: 2px; }

.input,
.select {
  width: 100%;
  min-height: 52px;
  padding: 0 var(--sp-4);
  /* 16px prevents iOS Safari zoom-on-focus */
  font-size: 16px;
  font-family: 'Poppins', sans-serif;
  color: var(--text);
  background-color: #fff;
  border: 1.5px solid var(--border-strong);
  border-radius: var(--r-sm);
  transition: border-color var(--t-fast), box-shadow var(--t-fast), background-color var(--t-fast);
  -webkit-appearance: none;
  appearance: none;
}

.input::placeholder { color: #94a6b8; }
.input:hover,
.select:hover { border-color: var(--brand-300); }

.input:focus,
.select:focus {
  outline: none;
  border-color: var(--brand-500);
  box-shadow: 0 0 0 4px rgba(42, 97, 159, .14);
}

/* Native select keeps the OS picker wheel on mobile; only the chrome is restyled */
.select {
  padding-right: 46px;
  cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235d7186' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right var(--sp-4) center;
  background-size: 17px;
  text-overflow: ellipsis;
}

.select.is-placeholder { color: #94a6b8; }
.select option { color: var(--text); }
.select::-ms-expand { display: none; }

.field-error {
  display: none;
  font-size: .8rem;
  font-weight: 500;
  color: var(--red-500);
  align-items: center;
  gap: 5px;
}

.field.has-error .input,
.field.has-error .select {
  border-color: var(--red-500);
  background-color: var(--red-50);
}

.field.has-error .input:focus,
.field.has-error .select:focus { box-shadow: 0 0 0 4px rgba(217, 45, 32, .13); }
.field.has-error .field-error { display: flex; }

.check-field {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  font-size: .855rem;
  color: var(--text-muted);
  line-height: 1.55;
}

.check-field input[type="checkbox"] {
  width: 20px;
  height: 20px;
  flex: none;
  margin-top: 2px;
  accent-color: var(--brand-700);
  cursor: pointer;
}

.check-field a { font-weight: 600; text-decoration: underline; text-underline-offset: 2px; }
.check-field.has-error { color: var(--red-500); }

.form-note {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: .8rem;
  color: var(--text-muted);
  line-height: 1.55;
}

.form-note svg { width: 15px; height: 15px; flex: none; margin-top: 3px; color: var(--green-500); }

/* Apply page: form + sticky sidebar. Sidebar drops below the form on mobile. */
.apply-layout { display: grid; gap: var(--sp-8); grid-template-columns: 1fr; }

@media (min-width: 1000px) {
  .apply-layout { grid-template-columns: 1.3fr .7fr; gap: var(--sp-9); align-items: start; }
  .apply-aside { position: sticky; top: calc(var(--header-h) + 24px); }
}

.apply-aside { display: flex; flex-direction: column; gap: var(--sp-5); }

/* Honeypot - hidden from humans, visible to naive bots */
.hp-field {
  position: absolute !important;
  left: -9999px !important;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

/* == 16. Modal / popup ==================================================== */
.modal {
  position: fixed;
  inset: 0;
  z-index: var(--z-modal);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--sp-4);
  visibility: hidden;
  pointer-events: none;
}

.modal.is-open { visibility: visible; pointer-events: auto; }

/* Frozen + blurred background */
.modal-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(6, 20, 38, .62);
  backdrop-filter: blur(9px) saturate(120%);
  -webkit-backdrop-filter: blur(9px) saturate(120%);
  opacity: 0;
  transition: opacity var(--t-base);
}

.modal.is-open .modal-backdrop { opacity: 1; }

.modal-dialog {
  position: relative;
  width: 100%;
  max-width: 540px;
  max-height: calc(100vh - var(--sp-8));
  max-height: calc(100dvh - var(--sp-8));
  background: #fff;
  border-radius: var(--r-xl);
  box-shadow: var(--sh-xl);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  opacity: 0;
  transform: translateY(22px) scale(.97);
  transition: opacity var(--t-slow), transform var(--t-slow);
}

.modal.is-open .modal-dialog { opacity: 1; transform: translateY(0) scale(1); }

.modal-head {
  position: relative;
  padding: var(--sp-7) var(--sp-7) var(--sp-5);
  background: var(--grad-brand);
  color: var(--text-invert);
  flex: none;
  overflow: hidden;
}

.modal-head::before {
  content: '';
  position: absolute;
  top: -90px;
  right: -60px;
  width: 260px;
  height: 260px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(242, 169, 59, .26) 0%, rgba(242, 169, 59, 0) 70%);
  pointer-events: none;
}

.modal-head > * { position: relative; z-index: 2; }
.modal-head h2 { color: #fff; font-size: 1.4rem; padding-right: var(--sp-8); }
.modal-head p { color: var(--text-invert-muted); font-size: .9rem; margin-top: 6px; }

.modal-close {
  position: absolute;
  top: var(--sp-5);
  right: var(--sp-5);
  z-index: 3;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, .16);
  color: #fff;
  border: 1px solid rgba(255, 255, 255, .24);
  transition: background var(--t-fast), transform var(--t-fast);
}

.modal-close:hover { background: rgba(255, 255, 255, .3); transform: rotate(90deg); }
.modal-close svg { width: 18px; height: 18px; }

.modal-body {
  padding: var(--sp-6) var(--sp-7) var(--sp-7);
  overflow-y: auto;
  overscroll-behavior: contain;
  -webkit-overflow-scrolling: touch;
}

@media (max-width: 560px) {
  .modal { padding: 0; align-items: flex-end; }

  .modal-dialog {
    max-width: 100%;
    max-height: 94vh;
    max-height: 94dvh;
    border-radius: var(--r-xl) var(--r-xl) 0 0;
    transform: translateY(100%);
  }

  .modal.is-open .modal-dialog { transform: translateY(0); }
  .modal-head { padding: var(--sp-6) var(--sp-5) var(--sp-4); }
  .modal-head h2 { font-size: 1.22rem; }
  .modal-close { top: var(--sp-4); right: var(--sp-4); }
  .modal-body { padding: var(--sp-5) var(--sp-5) calc(var(--sp-6) + env(safe-area-inset-bottom, 0px)); }
}

/* == 17. Breadcrumb ======================================================= */
.breadcrumb {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px;
  font-size: .82rem;
  color: var(--text-invert-muted);
  margin-bottom: var(--sp-5);
}

.breadcrumb a { color: var(--text-invert-muted); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb span[aria-current] { color: var(--gold-300); font-weight: 500; }
.breadcrumb svg { width: 13px; height: 13px; opacity: .55; }

/* == 18. Prose (legal pages) ============================================== */
.prose { max-width: 76ch; color: var(--text-soft); }
.prose > * + * { margin-top: var(--sp-5); }

.prose h2 {
  font-size: clamp(1.25rem, 1.1rem + .7vw, 1.6rem);
  margin-top: var(--sp-10);
  padding-top: var(--sp-2);
  scroll-margin-top: calc(var(--header-h) + 24px);
}

.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.1rem; margin-top: var(--sp-7); }
.prose p,
.prose li { font-size: .965rem; line-height: 1.8; }
.prose ul,
.prose ol { padding-left: var(--sp-6); display: flex; flex-direction: column; gap: 10px; }
.prose ul li { list-style: disc; }
.prose ol li { list-style: decimal; }
.prose ul li::marker { color: var(--brand-400); }
.prose ol li::marker { color: var(--brand-500); font-weight: 600; }
.prose strong { color: var(--brand-900); }
.prose a { text-decoration: underline; text-underline-offset: 2px; font-weight: 500; }

.legal-meta {
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-4);
  padding: var(--sp-4) var(--sp-5);
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  font-size: .855rem;
  color: var(--text-muted);
}

.legal-meta strong { color: var(--brand-900); }

.toc {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: var(--sp-6);
}

.toc-title {
  font-family: 'Montserrat', sans-serif;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--brand-500);
  margin-bottom: var(--sp-4);
}

.toc ol { display: grid; gap: 8px; counter-reset: toc; padding: 0; }

@media (min-width: 700px) { .toc ol { grid-template-columns: 1fr 1fr; column-gap: var(--sp-6); } }

.toc li { list-style: none; counter-increment: toc; }

.toc a {
  display: flex;
  gap: 9px;
  font-size: .885rem;
  color: var(--text-soft);
  text-decoration: none;
  font-weight: 400;
  line-height: 1.5;
}

.toc a::before {
  content: counter(toc) '.';
  color: var(--brand-500);
  font-weight: 600;
  flex: none;
  min-width: 20px;
}

.toc a:hover { color: var(--primary); }

.legal-layout { display: grid; gap: var(--sp-9); }

@media (min-width: 1000px) {
  .legal-layout { grid-template-columns: 268px 1fr; align-items: start; gap: var(--sp-10); }
  .legal-layout .toc { position: sticky; top: calc(var(--header-h) + 24px); }
  .legal-layout .toc ol { grid-template-columns: 1fr; }
}

/* == 19. Footer =========================================================== */
.site-footer {
  background: var(--brand-950);
  color: var(--text-invert-muted);
  padding-top: clamp(var(--sp-10), 6vw, var(--sp-11));
  font-size: .92rem;
}

.footer-grid { display: grid; gap: var(--sp-8); grid-template-columns: 1fr; }

@media (min-width: 640px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1000px) { .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1.3fr; gap: var(--sp-7); } }

.footer-brand .brand-name { color: #fff; }
.footer-brand .brand-tag { color: var(--gold-300); }
.footer-about { margin-top: var(--sp-5); max-width: 38ch; line-height: 1.75; font-size: .9rem; }

.footer-title {
  font-family: 'Montserrat', sans-serif;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: #fff;
  margin-bottom: var(--sp-5);
}

.footer-links { display: flex; flex-direction: column; gap: 11px; }
.footer-links a { color: var(--text-invert-muted); font-size: .9rem; }
.footer-links a:hover { color: var(--gold-300); }

.footer-contact { display: flex; flex-direction: column; gap: var(--sp-4); }
.footer-contact-item { display: flex; gap: 11px; align-items: flex-start; }
.footer-contact-item svg { width: 17px; height: 17px; flex: none; margin-top: 4px; color: var(--gold-400); }
.footer-contact-item a { color: #fff; font-weight: 500; }
.footer-contact-item a:hover { color: var(--gold-300); }
.footer-contact-item address { font-style: normal; line-height: 1.65; font-size: .885rem; }

.footer-disclaimer {
  margin-top: clamp(var(--sp-8), 5vw, var(--sp-9));
  padding: var(--sp-5) var(--sp-6);
  background: rgba(255, 255, 255, .05);
  border: 1px solid rgba(255, 255, 255, .09);
  border-radius: var(--r-md);
  font-size: .8rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, .68);
}

.footer-disclaimer strong { color: rgba(255, 255, 255, .9); font-weight: 600; }

.footer-bottom {
  margin-top: var(--sp-7);
  padding: var(--sp-6) 0;
  border-top: 1px solid rgba(255, 255, 255, .1);
  display: flex;
  flex-wrap: wrap;
  gap: var(--sp-4);
  align-items: center;
  justify-content: space-between;
  font-size: .84rem;
}

.footer-legal { display: flex; flex-wrap: wrap; gap: var(--sp-5); }
.footer-legal a { color: var(--text-invert-muted); }
.footer-legal a:hover { color: var(--gold-300); }

/* == 20. Back to top ====================================================== */
.to-top {
  position: fixed;
  right: max(var(--sp-5), env(safe-area-inset-right, 0px));
  bottom: max(var(--sp-5), env(safe-area-inset-bottom, 0px));
  z-index: var(--z-sticky);
  width: 46px;
  height: 46px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--brand-800);
  color: #fff;
  box-shadow: var(--sh-lg);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: opacity var(--t-base), visibility var(--t-base), transform var(--t-base), background var(--t-base);
}

.to-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); }
.to-top:hover { background: var(--brand-900); transform: translateY(-3px); }
.to-top svg { width: 20px; height: 20px; }

/* == 21. Motion & reveal ================================================== */
[data-reveal] {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 620ms cubic-bezier(.22, 1, .36, 1), transform 620ms cubic-bezier(.22, 1, .36, 1);
}

[data-reveal].is-revealed { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }

  *,
  *::before,
  *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    scroll-behavior: auto !important;
  }

  [data-reveal] { opacity: 1 !important; transform: none !important; }
  .modal-dialog { transform: none !important; }
}

/* == 22. Utilities ======================================================== */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  clip-path: inset(50%);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  top: -60px;
  left: var(--sp-4);
  z-index: var(--z-top);
  padding: 12px 20px;
  background: var(--brand-800);
  color: #fff;
  border-radius: 0 0 var(--r-sm) var(--r-sm);
  font-weight: 600;
  font-size: .9rem;
  transition: top var(--t-fast);
}

.skip-link:focus { top: 0; color: #fff; }

.text-center { text-align: center; }
.mt-4 { margin-top: var(--sp-4); }
.mt-5 { margin-top: var(--sp-5); }
.mt-6 { margin-top: var(--sp-6); }
.mt-7 { margin-top: var(--sp-7); }
.mt-8 { margin-top: var(--sp-8); }
.mt-9 { margin-top: var(--sp-9); }
.mb-4 { margin-bottom: var(--sp-4); }
.mb-5 { margin-bottom: var(--sp-5); }
.mb-6 { margin-bottom: var(--sp-6); }
.mb-7 { margin-bottom: var(--sp-7); }
.break-word { overflow-wrap: anywhere; word-break: break-word; }

/* == 23. Print ============================================================ */
@media print {
  .site-header,
  .site-footer,
  .modal,
  .nav-drawer,
  .nav-backdrop,
  .to-top,
  .cta-band,
  .breadcrumb,
  .skip-link { display: none !important; }

  body { color: #000; background: #fff; font-size: 11pt; }
  .page-hero { background: none !important; color: #000; padding-block: 0 24pt; }
  .page-hero h1,
  .page-hero p { color: #000 !important; }
  .prose { max-width: none; }
  .prose h2 { break-after: avoid; page-break-after: avoid; margin-top: 18pt; }
  .toc { display: none; }
  .section { padding-block: 12pt; }
}