/* ==========================================================================
   Univara Business Solutions — site styles
   Palette taken from the Univara logo: navy, teal, gold.
   Edit colours and type in the :root tokens below.
   ========================================================================== */

@font-face { font-family: "Poppins"; src: url("../fonts/poppins-regular.woff") format("woff"); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: "Poppins"; src: url("../fonts/poppins-medium.woff") format("woff"); font-weight: 500; font-style: normal; font-display: swap; }
@font-face { font-family: "Poppins"; src: url("../fonts/poppins-bold.woff") format("woff"); font-weight: 700; font-style: normal; font-display: swap; }
@font-face { font-family: "Lora"; src: url("../fonts/lora-italic.woff") format("woff"); font-weight: 400 700; font-style: italic; font-display: swap; }

:root {
  --ink: #06192b;          /* page background, deep navy */
  --ink-2: #0a2238;        /* alternate band */
  --panel: #0d2a45;        /* raised panels */
  --line: #1d4264;         /* rules and borders */
  --navy-logo: #012a4b;    /* logo navy */
  --teal: #087482;         /* buttons (white text 5.5:1) */
  --teal-hi: #0a8b9b;      /* button hover */
  --teal-text: #5cc8d2;    /* teal text on dark (9:1) */
  --gold: #cba04e;         /* markers, focus, individual path */
  --paper: #f7f6f1;        /* logo plate */
  --text: #eef3f6;
  --muted: #a7bacb;
  --danger: #ff9b8a;
  --ok: #7fdcb4;

  --font-sans: "Poppins", "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
  --font-serif: "Lora", Georgia, "Times New Roman", serif;

  --wrap: 1180px;
  --gutter: clamp(20px, 4vw, 40px);
  --radius: 10px;
  --radius-sm: 6px;
  --section: clamp(64px, 9vw, 112px);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 96px; }
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }
body {
  margin: 0; background: var(--ink); color: var(--text);
  font-family: var(--font-sans); font-size: 1.0625rem; line-height: 1.7; font-weight: 400;
  -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; font-synthesis: none;
}
button, input, select, textarea { font-family: inherit; }
img { max-width: 100%; height: auto; display: block; }
[hidden] { display: none !important; }
a { color: var(--teal-text); text-underline-offset: 3px; text-decoration-thickness: 1px; }
a:hover { color: #8fe0e7; }
p { margin: 0 0 1em; }
ul, ol { margin: 0; padding: 0; }
h1, h2, h3, h4 { font-weight: 500; line-height: 1.15; margin: 0 0 .5em; letter-spacing: -0.015em; color: #fff; }
h1 { font-size: clamp(2.15rem, 4.6vw, 3.5rem); letter-spacing: -0.025em; }
h2 { font-size: clamp(1.65rem, 3vw, 2.35rem); }
h3 { font-size: 1.2rem; letter-spacing: -0.01em; }
strong { font-weight: 500; color: #fff; }
.sr-only { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }

:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
.skip-link { position: absolute; left: 12px; top: -60px; z-index: 100; background: var(--gold); color: var(--ink); padding: 10px 16px; border-radius: var(--radius-sm); font-weight: 500; text-decoration: none; }
.skip-link:focus { top: 12px; }

.wrap { width: 100%; max-width: calc(var(--wrap) + 2 * var(--gutter)); margin: 0 auto; padding: 0 var(--gutter); }
.measure { max-width: 64ch; }
.lead { font-size: clamp(1.1rem, 1.6vw, 1.25rem); color: var(--muted); line-height: 1.65; max-width: 60ch; }
.muted { color: var(--muted); }
.kicker { display: block; color: var(--teal-text); font-weight: 500; font-size: .98rem; margin-bottom: 14px; letter-spacing: .005em; }
.kicker--gold { color: var(--gold); }
.quote { font-style: italic; font-weight: 400; line-height: 1.5; color: #fff; }

/* ---------- Review banner (remove at launch) ---------- */
.review-banner { background: #1b1406; border-bottom: 1px solid #4a3a17; color: #e9d3a3; font-size: .85rem; line-height: 1.45; padding: 8px 0; }
.review-banner p { margin: 0; }

/* ---------- Buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 12px 22px; border-radius: var(--radius-sm); font: 500 1rem/1.2 var(--font-sans); text-decoration: none; border: 1.5px solid transparent; cursor: pointer; transition: background-color .15s, border-color .15s, color .15s; text-align: center; }
.btn-primary { background: var(--teal); color: #fff; }
.btn-primary:hover { background: var(--teal-hi); color: #fff; }
.btn-gold { background: var(--gold); color: var(--ink); }
.btn-gold:hover { background: #dcb466; color: var(--ink); }
.btn-outline { border-color: #3b6788; color: #fff; background: transparent; }
.btn-outline:hover { border-color: var(--teal-text); color: #fff; }
.btn-outline-gold { border-color: var(--gold); color: #fff; background: transparent; }
.btn-outline-gold:hover { background: rgba(203,160,78,.12); color: #fff; }
.btn[disabled], .btn[aria-disabled="true"] { opacity: .55; cursor: not-allowed; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px 18px; align-items: center; }
.text-link { font-weight: 500; color: var(--teal-text); text-decoration: none; border-bottom: 1px solid rgba(92,200,210,.45); padding-bottom: 1px; }
.text-link:hover { border-bottom-color: currentColor; }
.text-link--gold { color: var(--gold); border-bottom-color: rgba(203,160,78,.5); }

/* ---------- Header / navigation ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(6,25,43,.94); backdrop-filter: saturate(140%) blur(8px); border-bottom: 1px solid var(--line); }
.nav-bar { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: 76px; }
.brand { display: inline-flex; align-items: center; background: none; border-radius: 8px; padding: 4px 2px; line-height: 0; flex: none; transition: opacity .15s, transform .15s; }
.brand:hover { opacity: .92; transform: translateY(-1px); }
.brand img { height: 50px; width: auto; }
.footer-brand .brand img { height: 54px; }
@media (max-width: 520px) { .brand img { height: 38px; } }
.nav-toggle { display: none; background: none; border: 1.5px solid var(--line); color: #fff; border-radius: var(--radius-sm); width: 48px; height: 48px; cursor: pointer; }
.nav-toggle svg { width: 24px; height: 24px; margin: auto; }
.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav > ul { display: flex; align-items: center; gap: 2px; list-style: none; }
.main-nav a.nav-link { display: block; color: #dfe8ee; text-decoration: none; font-size: .95rem; padding: 10px 11px; border-radius: var(--radius-sm); }
.main-nav a.nav-link:hover { color: #fff; background: rgba(255,255,255,.05); }
.main-nav a.nav-link[aria-current="page"] { color: #fff; box-shadow: inset 0 -2px 0 var(--gold); border-radius: 0; }
.has-sub { position: relative; display: flex; align-items: center; }
.sub-toggle { background: none; border: 0; color: #dfe8ee; width: 34px; height: 40px; cursor: pointer; border-radius: var(--radius-sm); margin-left: -8px; }
.sub-toggle:hover { color: #fff; background: rgba(255,255,255,.05); }
.sub-toggle svg { width: 16px; height: 16px; transition: transform .15s; }
.sub-toggle[aria-expanded="true"] svg { transform: rotate(180deg); }
.sub-menu { position: absolute; top: calc(100% + 10px); left: 0; min-width: 300px; background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius); padding: 10px; list-style: none; box-shadow: 0 18px 40px rgba(0,0,0,.35); }
.sub-menu a { display: block; padding: 9px 12px; color: #e7eef3; text-decoration: none; border-radius: var(--radius-sm); font-size: .95rem; line-height: 1.35; }
.sub-menu a:hover { background: rgba(255,255,255,.06); color: #fff; }
.sub-menu .sub-overview { color: var(--teal-text); font-weight: 500; border-bottom: 1px solid var(--line); border-radius: 0; margin-bottom: 6px; padding-bottom: 12px; }
.nav-cta { margin-left: 10px; min-height: 44px; padding: 10px 18px; font-size: .95rem; }

@media (max-width: 1260px) {
  .nav-toggle { display: inline-flex; }
  .main-nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--ink); border-bottom: 1px solid var(--line); padding: 12px var(--gutter) 24px; flex-direction: column; align-items: stretch; max-height: calc(100vh - 76px); overflow-y: auto; }
  .main-nav.is-open { display: flex; }
  .main-nav > ul { flex-direction: column; align-items: stretch; }
  .main-nav a.nav-link { font-size: 1.05rem; padding: 14px 6px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .main-nav a.nav-link[aria-current="page"] { box-shadow: inset 3px 0 0 var(--gold); padding-left: 14px; }
  .has-sub { flex-wrap: wrap; }
  .has-sub > a.nav-link { flex: 1; }
  .sub-toggle { width: 48px; height: 52px; margin: 0; border-bottom: 1px solid var(--line); border-radius: 0; }
  .sub-menu { position: static; width: 100%; min-width: 0; box-shadow: none; border: 0; background: transparent; padding: 4px 0 8px 14px; }
  .nav-cta { margin: 18px 0 0; width: 100%; }
}

/* ---------- Sections ---------- */
.section { padding: var(--section) 0; }
.section--alt { background: var(--ink-2); border-top: 1px solid #10304c; border-bottom: 1px solid #10304c; }
.section--tight { padding: calc(var(--section) * .6) 0; }
.section-head { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 24px 56px; align-items: end; margin-bottom: 48px; }
.section-head h2 { margin: 0; }
.section-head p { margin: 0; color: var(--muted); }
@media (max-width: 860px) { .section-head { grid-template-columns: 1fr; margin-bottom: 36px; } }

/* ---------- Hero ---------- */
.hero { position: relative; padding: clamp(44px, 6vw, 88px) 0 clamp(32px, 4vw, 48px); overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, .85fr); gap: 56px; align-items: center; }
.hero h1 { max-width: 16ch; }
.hero .lead { margin: 22px 0 32px; }
.hero-note { margin-top: 26px; font-size: .95rem; color: var(--muted); display: flex; gap: 10px; align-items: flex-start; max-width: 52ch; }
.hero-note svg { width: 20px; height: 20px; flex: none; color: var(--gold); margin-top: 3px; }
@media (max-width: 960px) { .hero-grid { grid-template-columns: 1fr; gap: 44px; } }

.page-hero { padding: clamp(44px, 6vw, 80px) 0 clamp(40px, 5vw, 64px); border-bottom: 1px solid #10304c; }
.page-hero h1 { max-width: 20ch; }
.page-hero .lead { margin-top: 18px; }
.breadcrumb { font-size: .9rem; color: var(--muted); margin-bottom: 22px; }
.breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; }
.breadcrumb li + li::before { content: "/"; margin-right: 6px; color: #53718b; }
.breadcrumb a { color: var(--muted); }

/* ---------- The path (signature element) ---------- */
.path { position: relative; background: linear-gradient(180deg, #0d2a45 0%, #0a2238 100%); border: 1px solid var(--line); border-radius: 14px; padding: 26px 26px 22px; }
.path-lanes { display: block; width: 100%; height: 64px; margin-bottom: 4px; }
.path-title { font-size: .95rem; color: var(--muted); margin: 0 0 14px; font-weight: 400; }
.path ol { list-style: none; position: relative; counter-reset: step; }
.path ol::before { content: ""; position: absolute; left: 15px; top: 16px; bottom: 16px; width: 2px; background: linear-gradient(180deg, var(--teal-text), var(--teal) 70%, var(--gold)); }
.path li { position: relative; padding: 9px 0 9px 50px; counter-increment: step; }
.path li::before { content: counter(step); position: absolute; left: 0; top: 8px; width: 32px; height: 32px; border-radius: 50%; background: var(--ink); border: 2px solid var(--teal-text); color: #fff; font-size: .82rem; font-weight: 500; display: grid; place-items: center; }
.path li:last-child::before { background: var(--gold); border-color: var(--gold); color: var(--ink); border-radius: 6px; transform: rotate(45deg); }
.path li:last-child::after { content: counter(step); position: absolute; left: 0; top: 8px; width: 32px; height: 32px; display: grid; place-items: center; color: var(--ink); font-size: .82rem; font-weight: 700; }
.path li:last-child::before { content: ""; }
.path strong { display: block; font-size: 1rem; line-height: 1.3; }
.path span { display: block; color: var(--muted); font-size: .88rem; line-height: 1.45; }

/* Horizontal sequence track */
.track { list-style: none; display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 0; counter-reset: step; position: relative; }
.track::before { content: ""; position: absolute; top: 17px; left: 8%; right: 8%; height: 2px; background: linear-gradient(90deg, var(--teal-text), var(--teal) 75%, var(--gold)); }
.track li { position: relative; counter-increment: step; padding: 0 12px; text-align: center; }
.track li .dot { position: relative; z-index: 1; width: 36px; height: 36px; margin: 0 auto 16px; border-radius: 50%; background: var(--ink); border: 2px solid var(--teal-text); display: grid; place-items: center; font-size: .85rem; font-weight: 500; }
.section--alt .track li .dot { background: var(--ink-2); }
.track li:last-child .dot { background: var(--gold); border-color: var(--gold); color: var(--ink); font-weight: 700; border-radius: 8px; }
.track h3 { font-size: 1.02rem; margin-bottom: 6px; }
.track p { color: var(--muted); font-size: .9rem; line-height: 1.55; margin: 0; }
@media (max-width: 900px) {
  .track { grid-template-columns: 1fr; gap: 6px; }
  .track::before { top: 18px; bottom: 18px; left: 17px; right: auto; width: 2px; height: auto; background: linear-gradient(180deg, var(--teal-text), var(--teal) 75%, var(--gold)); }
  .track li { display: grid; grid-template-columns: 36px 1fr; gap: 0 18px; text-align: left; padding: 8px 0; }
  .track li .dot { margin: 0; grid-row: span 2; }
  .track h3 { margin: 4px 0 2px; }
}

/* ---------- Audience entrances ---------- */
.entrances { display: grid; grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr); gap: 22px; }
.entrance { border-radius: 14px; padding: clamp(26px, 3.4vw, 40px); }
.entrance--biz { background: var(--panel); border: 1px solid var(--line); }
.entrance--ind { background: transparent; border: 1.5px solid rgba(203,160,78,.6); display: flex; flex-direction: column; }
.entrance--ind .btn { margin-top: auto; align-self: flex-start; }
.entrance h2 { font-size: clamp(1.5rem, 2.5vw, 2rem); }
.entrance-list { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 0 28px; margin: 22px 0 26px; }
.entrance-list a { display: flex; justify-content: space-between; gap: 12px; padding: 14px 0; border-top: 1px solid var(--line); color: #fff; text-decoration: none; font-weight: 500; line-height: 1.35; }
.entrance-list a:hover { color: var(--teal-text); }
.entrance-list a svg { width: 18px; height: 18px; flex: none; color: var(--teal-text); margin-top: 2px; }
@media (max-width: 900px) { .entrances { grid-template-columns: 1fr; } }
@media (max-width: 560px) { .entrance-list { grid-template-columns: 1fr; } }

/* ---------- Service listings ---------- */
.service-list { display: grid; grid-template-columns: 1fr 1fr; gap: 0 56px; }
.service-item { padding: 30px 0; border-top: 1px solid var(--line); display: grid; grid-template-columns: 44px 1fr; gap: 0 18px; }
.service-item .icon { width: 44px; height: 44px; border-radius: 10px; background: rgba(8,116,130,.22); color: var(--teal-text); display: grid; place-items: center; }
.service-item .icon svg { width: 22px; height: 22px; }
.service-item h3 { margin: 6px 0 8px; }
.service-item h3 a { color: #fff; text-decoration: none; }
.service-item h3 a:hover { color: var(--teal-text); }
.service-item p { color: var(--muted); margin: 0 0 12px; }
.service-item .suits { font-size: .9rem; color: #c8d6e1; margin-bottom: 14px; }
@media (max-width: 860px) { .service-list { grid-template-columns: 1fr; } }

.support-services { display: grid; gap: 0; }
.support { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: 16px 56px; padding: 40px 0; border-top: 1px solid var(--line); }
.support:last-child { border-bottom: 1px solid var(--line); }
.support h3 { font-size: 1.35rem; }
.support .role { color: var(--teal-text); font-size: .92rem; margin: 0; }
.support ul { list-style: none; margin: 14px 0 0; }
.support li { position: relative; padding-left: 22px; margin-bottom: 8px; color: #d6e1e9; }
.support li::before { content: ""; position: absolute; left: 0; top: .72em; width: 8px; height: 2px; background: var(--gold); }
.support .note { font-size: .92rem; color: var(--muted); border-left: 2px solid var(--gold); padding-left: 14px; margin-top: 16px; }
@media (max-width: 860px) { .support { grid-template-columns: 1fr; } }

/* ---------- Generic content blocks ---------- */
.two-col { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: 32px 64px; align-items: start; }
@media (max-width: 900px) { .two-col { grid-template-columns: 1fr; } }
.check-list { list-style: none; }
.check-list li { position: relative; padding: 12px 0 12px 34px; border-top: 1px solid var(--line); }
.check-list li:last-child { border-bottom: 1px solid var(--line); }
.check-list li::before { content: ""; position: absolute; left: 2px; top: 19px; width: 14px; height: 8px; border-left: 2px solid var(--teal-text); border-bottom: 2px solid var(--teal-text); transform: rotate(-45deg); }
.check-list--gold li::before { border-color: var(--gold); }
.cross-list li::before { width: 14px; height: 2px; top: 25px; border: 0; background: #7d92a6; transform: none; }
.panel { background: var(--panel); border: 1px solid var(--line); border-radius: 14px; padding: clamp(24px, 3vw, 36px); }
.panel--gold { border-color: rgba(203,160,78,.55); }
.panel h3:first-child, .panel h2:first-child { margin-top: 0; }
.callout { border-left: 3px solid var(--gold); padding: 6px 0 6px 20px; color: #dfe8ee; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 40px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
@media (max-width: 900px) { .grid-3, .grid-2 { grid-template-columns: 1fr; gap: 28px; } }
.principle h3 { font-size: 1.12rem; margin-bottom: 8px; }
.principle p { color: var(--muted); margin: 0; }
.principle { border-top: 2px solid var(--teal); padding-top: 20px; }

.steps { list-style: none; counter-reset: s; }
.steps > li { counter-increment: s; display: grid; grid-template-columns: 56px 1fr; gap: 0 20px; padding: 26px 0; border-top: 1px solid var(--line); }
.steps > li::before { content: counter(s); width: 44px; height: 44px; border-radius: 50%; border: 2px solid var(--teal-text); display: grid; place-items: center; font-weight: 500; }
.steps > li:last-child::before { border-color: var(--gold); background: var(--gold); color: var(--ink); border-radius: 10px; }
.steps h3 { margin: 8px 0 6px; }
.steps p { color: var(--muted); margin: 0; }

/* ---------- Founder ---------- */
.founder { display: grid; grid-template-columns: minmax(0, 340px) minmax(0, 1fr); gap: 48px; align-items: center; }
.founder-photo { border-radius: 14px; overflow: hidden; border: 1px solid var(--line); background: #1b1d20; }
.founder .quote { margin: 0 0 24px; }
.founder-meta strong { display: block; font-size: 1.05rem; }
.founder-meta span { color: var(--muted); font-size: .95rem; }
.founder-facts { list-style: none; margin: 24px 0; display: grid; gap: 10px; }
.founder-facts li { padding-left: 22px; position: relative; color: #d6e1e9; }
.founder-facts li::before { content: ""; position: absolute; left: 0; top: .72em; width: 10px; height: 2px; background: var(--gold); }
.fineprint { font-size: .88rem; color: var(--muted); }
@media (max-width: 860px) { .founder { grid-template-columns: 1fr; } .founder-photo { max-width: 320px; } }

/* ---------- Consultation band ---------- */
.consult { background: linear-gradient(135deg, #0b3350 0%, #0a2a44 55%, #0b2238 100%); border: 1px solid #245377; border-radius: 16px; padding: clamp(30px, 5vw, 56px); display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 32px 56px; align-items: center; }
.consult h2 { margin-bottom: 12px; }
.consult .fee { color: #fff; border-left: 3px solid var(--gold); padding-left: 16px; margin: 20px 0 0; }
.consult-actions { display: grid; gap: 14px; }
.consult-actions .btn { width: 100%; justify-content: space-between; }
.consult-actions small { display: block; color: var(--muted); font-size: .88rem; margin-top: -4px; }
@media (max-width: 860px) { .consult { grid-template-columns: 1fr; } }

/* ---------- FAQ ---------- */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 20px 44px 20px 0; position: relative; font-weight: 500; color: #fff; font-size: 1.05rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 8px; top: 50%; width: 12px; height: 12px; border-right: 2px solid var(--teal-text); border-bottom: 2px solid var(--teal-text); transform: translateY(-70%) rotate(45deg); transition: transform .15s; }
.faq details[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.faq details p { color: var(--muted); padding-right: 44px; margin: 0 0 20px; max-width: 70ch; }

/* ---------- Forms ---------- */
.path-choice { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 28px; border: 0; padding: 0; }
.path-choice legend { font-weight: 500; margin-bottom: 12px; font-size: 1.05rem; color: #fff; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; width: 100%; height: 100%; margin: 0; cursor: pointer; }
.choice label { display: block; border: 1.5px solid var(--line); border-radius: var(--radius); padding: 18px 20px; cursor: pointer; background: var(--panel); height: 100%; }
.choice label strong { display: block; font-size: 1.05rem; }
.choice label span { display: block; color: var(--muted); font-size: .92rem; line-height: 1.45; margin-top: 4px; }
.choice input:checked + label { border-color: var(--teal-text); box-shadow: inset 0 0 0 1px var(--teal-text); }
.choice--ind input:checked + label { border-color: var(--gold); box-shadow: inset 0 0 0 1px var(--gold); }
.choice input:focus-visible + label { outline: 3px solid var(--gold); outline-offset: 3px; }
@media (max-width: 640px) { .path-choice { grid-template-columns: 1fr; } }

.enquiry-form { display: grid; gap: 20px; }
.enquiry-form h2 { font-size: 1.5rem; margin: 0; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-grid .full { grid-column: 1 / -1; }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } }
.field label, .field legend { display: block; font-weight: 500; font-size: .97rem; margin-bottom: 7px; color: #fff; padding: 0; }
.field .req { color: var(--gold); }
.field .hint { display: block; font-size: .87rem; color: var(--muted); margin: -3px 0 8px; font-weight: 400; }
.field .hint--after { margin: 6px 0 0; }
.field input[type="text"], .field input[type="email"], .field input[type="tel"], .field select, .field textarea {
  width: 100%; min-height: 50px; background: #071f35; border: 1.5px solid #2a5275; color: #fff; border-radius: var(--radius-sm); padding: 12px 14px; font: 400 1rem/1.4 var(--font-sans);
}
.field textarea { min-height: 130px; resize: vertical; }
.field select { appearance: none; background-image: linear-gradient(45deg, transparent 50%, var(--teal-text) 50%), linear-gradient(135deg, var(--teal-text) 50%, transparent 50%); background-position: calc(100% - 20px) 50%, calc(100% - 14px) 50%; background-size: 6px 6px; background-repeat: no-repeat; padding-right: 40px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--teal-text); box-shadow: 0 0 0 3px rgba(92,200,210,.25); }
.field input[aria-invalid="true"], .field select[aria-invalid="true"], .field textarea[aria-invalid="true"] { border-color: var(--danger); }
.field .error { display: block; color: var(--danger); font-size: .88rem; margin-top: 6px; }
.field .error:empty { display: none; }
.field fieldset { border: 0; margin: 0; padding: 0; }
.radio-row { display: flex; flex-wrap: wrap; gap: 10px; }
.radio-row label { display: inline-flex; align-items: center; gap: 8px; border: 1.5px solid #2a5275; border-radius: 999px; padding: 9px 16px; cursor: pointer; font-weight: 400; margin: 0; }
.radio-row input { accent-color: var(--teal-text); width: 18px; height: 18px; margin: 0; }
.radio-row label:has(input:checked) { border-color: var(--teal-text); }
.consent { display: grid; grid-template-columns: 22px 1fr; gap: 12px; align-items: start; font-size: .94rem; color: #d6e1e9; }
.consent input { width: 20px; height: 20px; margin-top: 3px; accent-color: var(--teal-text); }
.data-warning { font-size: .92rem; color: #e9d3a3; background: rgba(203,160,78,.08); border: 1px solid rgba(203,160,78,.35); border-radius: var(--radius-sm); padding: 12px 14px; margin: 0; }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }
.form-status { border-radius: var(--radius); padding: 18px 20px; margin: 0; }
.form-status:empty { display: none; }
.form-status.is-error { background: rgba(255,155,138,.1); border: 1px solid rgba(255,155,138,.5); color: #ffd6cf; }
.form-status.is-success { background: rgba(127,220,180,.08); border: 1px solid rgba(127,220,180,.5); color: #e2f7ee; }
.form-status h3 { margin: 0 0 6px; font-size: 1.15rem; }
.form-status p { margin: 0 0 6px; }
.submit-row { display: flex; flex-wrap: wrap; gap: 14px 20px; align-items: center; }
.submit-row .btn[aria-busy="true"] { opacity: .75; cursor: progress; }
.turnstile-slot:empty { display: none; }

.contact-layout { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(0, .65fr); gap: 48px; align-items: start; }
.contact-aside { position: sticky; top: 100px; display: grid; gap: 22px; }
@media (max-width: 960px) { .contact-layout { grid-template-columns: 1fr; } .contact-aside { position: static; } }

/* ---------- Legal / prose ---------- */
.prose { max-width: 72ch; }
.prose h2 { font-size: 1.45rem; margin-top: 2.2em; }
.prose h3 { margin-top: 1.6em; }
.prose ul { padding-left: 1.2em; margin: 0 0 1em; }
.prose li { margin-bottom: .4em; color: #d6e1e9; }
.draft-flag { display: inline-block; background: rgba(203,160,78,.14); color: #e9d3a3; border: 1px solid rgba(203,160,78,.45); border-radius: 999px; padding: 3px 12px; font-size: .85rem; }

/* ---------- Footer ---------- */
.site-footer { border-top: 1px solid var(--line); padding: 64px 0 28px; margin-top: 0; background: #041320; }
.footer-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) repeat(3, minmax(0, 1fr)); gap: 36px; }
.footer-grid h2 { font-size: .98rem; font-weight: 500; color: #fff; margin-bottom: 14px; letter-spacing: 0; }
.footer-grid ul { list-style: none; display: grid; gap: 8px; }
.footer-grid a { color: var(--muted); text-decoration: none; font-size: .95rem; }
.footer-grid a:hover { color: #fff; text-decoration: underline; }
.footer-brand .brand { margin-bottom: 18px; }
.footer-tagline { font-family: var(--font-serif); font-style: italic; font-size: 1.2rem; color: #fff; margin-bottom: 8px; }
.footer-brand p { color: var(--muted); font-size: .95rem; max-width: 36ch; }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px 24px; border-top: 1px solid var(--line); margin-top: 48px; padding-top: 22px; font-size: .86rem; color: var(--muted); }
.footer-bottom p { margin: 0; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

/* ---------- 404 / thank-you ---------- */
.center-page { min-height: 55vh; display: grid; align-items: center; }

@media (prefers-reduced-motion: reduce) { *, *::before, *::after { transition: none !important; animation: none !important; } }
@media print { .site-header, .site-footer, .review-banner, .nav-toggle { display: none; } body { background: #fff; color: #000; } }
.form-status strong { white-space: nowrap; }

/* ==========================================================================
   v2: hero tagline, interactive six-stage process, account-flow illustration
   ========================================================================== */
.hero-tagline { font-family: var(--font-serif); font-style: italic; font-size: clamp(1.3rem, 2.1vw, 1.65rem); color: var(--teal-text); margin: 0 0 14px; line-height: 1.3; }
.hero h1 { max-width: 19ch; font-size: clamp(2rem, 3.7vw, 3.05rem); }
@media (min-width: 961px) { .hero-grid { grid-template-columns: minmax(0, 1.08fr) minmax(0, .92fr); } }

.flow { position: relative; background: linear-gradient(165deg, #0f3050 0%, #0a2238 60%, #081c2f 100%); border: 1px solid var(--line); border-radius: 16px; padding: 22px 22px 24px; overflow: hidden; box-shadow: 0 24px 60px rgba(0,0,0,.35); }
.flow::before { content: ""; position: absolute; right: -80px; top: -80px; width: 240px; height: 240px; border-radius: 50%; background: radial-gradient(circle, rgba(92,200,210,.16), transparent 70%); pointer-events: none; }
.flow-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-bottom: 18px; position: relative; }
.flow-title { margin: 0; color: var(--muted); font-size: .92rem; }
.flow-pause { background: transparent; border: 1px solid #2a5275; color: #cfdbe4; border-radius: 999px; padding: 4px 14px; min-height: 34px; font: 500 .8rem var(--font-sans); cursor: pointer; }
.flow-pause:hover { border-color: var(--teal-text); color: #fff; }
.flow-steps { list-style: none; display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 6px; position: relative; }
.flow-steps button { width: 100%; background: none; border: 0; padding: 0; cursor: pointer; color: var(--muted); display: flex; flex-direction: column; align-items: center; gap: 8px; font: 500 .72rem/1.25 var(--font-sans); text-align: center; }
.flow-ico { width: 48px; height: 48px; border-radius: 13px; display: grid; place-items: center; background: #0a2034; border: 1.5px solid #2a5275; color: var(--teal-text); transition: background-color .3s, border-color .3s, box-shadow .3s, color .3s; }
.flow-ico svg { width: 22px; height: 22px; }
.flow-steps button.is-done .flow-ico { background: rgba(8,116,130,.28); border-color: var(--teal); }
.flow-steps button[aria-selected="true"] .flow-ico { background: var(--teal); border-color: var(--teal-text); color: #fff; box-shadow: 0 0 0 5px rgba(92,200,210,.16); }
.flow-steps li:last-child button[aria-selected="true"] .flow-ico { background: var(--gold); border-color: var(--gold); color: var(--ink); box-shadow: 0 0 0 5px rgba(203,160,78,.2); }
.flow-steps button[aria-selected="true"] .flow-lbl { color: #fff; }
.flow-steps button:hover .flow-ico { border-color: var(--teal-text); }
.flow-rail { position: relative; height: 3px; border-radius: 3px; background: #1d4264; margin: 16px 8% 22px; }
.flow-fill { position: absolute; inset: 0 auto 0 0; width: 0; border-radius: 3px; background: linear-gradient(90deg, var(--teal-text), var(--teal) 70%, var(--gold)); transition: width .55s ease; }
.flow-panel { position: relative; min-height: 170px; }
.flow-panel:focus-visible { outline-offset: 6px; }
.flow.is-enhanced .flow-panel:not([hidden]) { animation: flowIn .35s ease; }
@keyframes flowIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.flow-stage { color: var(--gold); font-size: .85rem; font-weight: 500; margin: 0 0 4px; }
.flow-name { font-size: 1.4rem; margin: 0 0 6px; }
.flow-desc { color: #e1eaf0; margin: 0 0 12px; }
.flow-note { display: flex; gap: 9px; align-items: flex-start; color: var(--muted); font-size: .88rem; line-height: 1.5; margin: 0; }
.flow-note svg { width: 18px; height: 18px; flex: none; color: var(--gold); margin-top: 2px; }
.flow-outcomes { list-style: none; display: flex; flex-wrap: wrap; gap: 8px; margin: 0 0 12px; }
.flow-outcomes li { border: 1px solid rgba(203,160,78,.55); color: #f1e2c1; border-radius: 999px; padding: 3px 12px; font-size: .85rem; }
/* Without JavaScript: show every stage as a list */
.flow:not(.is-enhanced) .flow-steps, .flow:not(.is-enhanced) .flow-rail { display: none; }
.flow:not(.is-enhanced) .flow-panel { min-height: 0; padding: 12px 0; border-top: 1px solid var(--line); }
@media (max-width: 560px) {
  .flow { padding: 18px 16px 20px; }
  .flow-steps { gap: 4px; }
  .flow-ico { width: 44px; height: 44px; border-radius: 12px; }
  .flow-lbl { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
  .flow-rail { margin: 14px 7% 18px; }
  .flow-panel { min-height: 190px; }
}

.acctflow-fig { margin: 0; }
.acctflow-fig figcaption { margin-top: 18px; }
.acctflow { display: grid; grid-template-columns: minmax(0, 1fr) 64px minmax(0, 1fr) 64px minmax(0, 1fr); align-items: stretch; }
.af-col { background: var(--panel); border: 1px solid var(--line); border-radius: 14px; padding: 22px; }
.af-mid { border-color: var(--teal); background: linear-gradient(180deg, rgba(8,116,130,.18), var(--panel)); }
.af-out { border-color: rgba(203,160,78,.55); }
.af-h { font-weight: 500; color: #fff; margin: 0 0 14px; font-size: 1.05rem; }
.af-core { color: var(--teal-text); font-weight: 500; margin: 0 0 12px; }
.af-col ul { list-style: none; display: grid; gap: 8px; }
.af-col li { font-size: .92rem; line-height: 1.35; color: #d6e1e9; background: #0a2034; border: 1px solid #1d4264; border-radius: 8px; padding: 9px 12px; }
.af-in li { border-left: 3px solid #53718b; }
.af-out li { border-left: 3px solid var(--teal-text); }
.af-tags { grid-template-columns: 1fr; }
.af-you { display: flex; align-items: center; gap: 8px; margin: 16px 0 0; color: var(--gold); font-weight: 500; font-size: .95rem; }
.af-you::before { content: ""; width: 10px; height: 10px; border-radius: 3px; background: var(--gold); transform: rotate(45deg); flex: none; }
.af-link { position: relative; align-self: center; height: 2px; margin: 0 8px; background: linear-gradient(90deg, #2a5275, var(--teal)); }
.af-link span { position: absolute; top: -4px; left: 0; width: 10px; height: 10px; border-radius: 50%; background: var(--gold); box-shadow: 0 0 10px rgba(203,160,78,.7); animation: afMove 2.8s linear infinite; }
@keyframes afMove { from { left: 0; } to { left: calc(100% - 10px); } }
@media (max-width: 900px) {
  .acctflow { grid-template-columns: 1fr; }
  .af-link { width: 2px; height: 40px; margin: 6px 0; justify-self: center; background: linear-gradient(180deg, #2a5275, var(--teal)); }
  .af-link span { left: -4px; animation-name: afMoveV; }
  @keyframes afMoveV { from { top: 0; } to { top: calc(100% - 10px); } }
}

.founder-meta--lg strong { font-size: 1.5rem; font-weight: 500; }
.founder-meta--lg span { font-size: 1.05rem; color: var(--teal-text); }
.founder-statement { margin: 26px 0 18px; padding: 0 0 0 22px; border-left: 3px solid var(--gold); }
.founder-statement .quote {  margin: 0; }
@media (min-width: 961px) {
  .flow { padding: 26px 26px 28px; }
  .flow-ico { width: 54px; height: 54px; border-radius: 14px; }
  .flow-ico svg { width: 24px; height: 24px; }
  .flow-lbl { font-size: .76rem; }
  .flow-name { font-size: 1.55rem; }
  .flow-panel { min-height: 150px; }
}

/* ==========================================================================
   v3: transparent logo, glass header, after-hero band, quick-contact dock,
   back to top, social links
   ========================================================================== */

/* ---------- Header: translucent glass with a fine teal-to-gold edge ---------- */
.site-header { background: linear-gradient(180deg, rgba(6,25,43,.88), rgba(6,25,43,.66)); -webkit-backdrop-filter: blur(16px) saturate(170%); backdrop-filter: blur(16px) saturate(170%); border-bottom: 0; transition: background-color .25s, box-shadow .25s; }
.site-header::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 1px; pointer-events: none; background: linear-gradient(90deg, transparent, rgba(92,200,210,.55) 28%, rgba(203,160,78,.55) 72%, transparent); }
.site-header.is-scrolled { background: rgba(6,25,43,.94); box-shadow: 0 12px 32px rgba(0,0,0,.38); }
.nav-cta { box-shadow: 0 6px 18px rgba(8,116,130,.38); }
.nav-cta:hover { box-shadow: 0 8px 22px rgba(10,139,155,.5); }
@media (max-width: 1260px) { .main-nav { background: rgba(6,25,43,.98); } }

/* ---------- Hero: soft teal and gold glow so the glass header has depth ---------- */
.hero, .page-hero { background: radial-gradient(900px 420px at 88% -12%, rgba(8,116,130,.32), transparent 62%), radial-gradient(720px 380px at -6% 112%, rgba(203,160,78,.09), transparent 62%); }
.page-hero { border-bottom: 0; }

/* ---------- Section right after the hero: its own background colour ---------- */
.hero + .section, .page-hero + .section {
  --panel: #082338;            /* cards sit slightly deeper than the band */
  --line: #2b6386;
  background: linear-gradient(180deg, #0c3c5a 0%, #0a3450 100%);
  border-top: 1px solid rgba(92,200,210,.30);
}
.hero + .section .entrance--ind { background: rgba(4,19,32,.35); }

/* ---------- Quick-contact dock: WhatsApp, call, back to top ---------- */
.dock { position: fixed; right: max(16px, env(safe-area-inset-right, 0px)); bottom: max(16px, env(safe-area-inset-bottom, 0px)); z-index: 60; display: flex; flex-direction: column; align-items: flex-end; gap: 12px; }
.dock-btn { position: relative; display: inline-flex; align-items: center; justify-content: center; width: 54px; height: 54px; padding: 0; border: 0; border-radius: 50%; color: #fff; cursor: pointer; text-decoration: none; box-shadow: 0 10px 24px rgba(0,0,0,.42), inset 0 0 0 1px rgba(255,255,255,.14); transition: transform .18s ease, box-shadow .18s ease, opacity .22s ease, visibility .22s; }
.dock-btn svg { width: 26px; height: 26px; flex: none; }
.dock-btn:hover { color: #fff; transform: translateY(-3px) scale(1.05); box-shadow: 0 14px 30px rgba(0,0,0,.5), inset 0 0 0 1px rgba(255,255,255,.2); }
.dock-wa { background: linear-gradient(145deg, #2fdc74, #17a34a); }
.dock-wa::after { content: ""; position: absolute; inset: 0; border-radius: 50%; border: 2px solid rgba(47,220,116,.7); animation: dockPulse 2.8s ease-out infinite; pointer-events: none; }
@keyframes dockPulse { 0% { transform: scale(1); opacity: .8; } 70%, 100% { transform: scale(1.55); opacity: 0; } }
.dock-call { background: linear-gradient(145deg, #0a94a5, #087482); }
.dock-top { width: 46px; height: 46px; background: var(--panel); color: var(--gold); box-shadow: 0 10px 24px rgba(0,0,0,.42), inset 0 0 0 1.5px var(--gold); opacity: 0; visibility: hidden; transform: translateY(12px); }
.dock-top svg { width: 22px; height: 22px; }
.dock-top:hover { color: var(--ink); background: var(--gold); transform: translateY(-3px) scale(1.05); }
.dock-top.is-visible { opacity: 1; visibility: visible; transform: none; }
.dock-top.is-visible:hover { transform: translateY(-3px) scale(1.05); }
/* Hover labels (mouse users only) */
.dock-label { position: absolute; right: calc(100% + 12px); top: 50%; transform: translateY(-50%) translateX(6px); background: var(--paper); color: var(--ink); font: 500 .85rem/1 var(--font-sans); white-space: nowrap; padding: 9px 14px; border-radius: 999px; box-shadow: 0 8px 20px rgba(0,0,0,.35); opacity: 0; visibility: hidden; pointer-events: none; transition: opacity .18s, transform .18s, visibility .18s; }
@media (hover: hover) {
  .dock-btn:hover .dock-label, .dock-btn:focus-visible .dock-label { opacity: 1; visibility: visible; transform: translateY(-50%); }
}
@media (max-width: 560px) {
  .dock { right: max(12px, env(safe-area-inset-right, 0px)); bottom: max(12px, env(safe-area-inset-bottom, 0px)); gap: 10px; }
  .dock-btn { width: 52px; height: 52px; }
  .dock-top { width: 44px; height: 44px; }
}

/* Small message shown when a number or link has not been approved yet */
.toast { position: fixed; left: 50%; bottom: 28px; z-index: 90; transform: translate(-50%, 16px); max-width: min(92vw, 440px); background: var(--paper); color: var(--ink); font-size: .92rem; line-height: 1.45; padding: 13px 18px; border-radius: 12px; border-left: 4px solid var(--gold); box-shadow: 0 16px 40px rgba(0,0,0,.45); opacity: 0; visibility: hidden; transition: opacity .2s, transform .2s, visibility .2s; }
.toast.is-on { opacity: 1; visibility: visible; transform: translate(-50%, 0); }

/* ---------- Social links (footer) ---------- */
.social-label { margin: 24px 0 12px; color: #fff; font-weight: 500; font-size: .95rem; }
.social, .footer-grid .social { list-style: none; display: flex; flex-wrap: wrap; gap: 10px; margin: 0; padding: 0; }
.footer-grid .social a, .social a { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; border: 1.5px solid #2a5275; color: #dfe8ee; background: rgba(255,255,255,.03); text-decoration: none; transition: transform .18s, border-color .18s, background-color .18s, color .18s, box-shadow .18s; }
.footer-grid .social a:hover, .social a:hover { color: #fff; text-decoration: none; transform: translateY(-3px); border-color: var(--teal-text); background: rgba(92,200,210,.14); box-shadow: 0 8px 18px rgba(0,0,0,.35); }
.social svg { width: 20px; height: 20px; }

/* Call and WhatsApp panel on the contact page */
.contact-direct .btn-row { margin: 16px 0 4px; }
.contact-direct .btn { min-height: 46px; }
.btn-wa { background: #0e7c36; color: #fff; }
.btn-wa:hover { background: #0b6a2e; color: #fff; }

@media print { .dock, .toast, .social, .social-label { display: none; } }


/* ==========================================================================
   PROPOSED UPDATE — homepage, Accounts Receivable Management, Personal Debt
   & Repayment Support. New components only; uses the existing tokens.
   ========================================================================== */
.ico { width: 24px; height: 24px; stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: none; }
.badge { display: grid; place-items: center; flex: none; width: 48px; height: 48px; border-radius: 12px; background: rgba(92,200,210,.14); color: var(--teal-text); }
.eyebrow { display: block; font-size: .8rem; font-weight: 500; letter-spacing: .18em; text-transform: uppercase; color: var(--teal-text); margin: 0 0 10px; }
.band-dark { background: var(--ink-2); border-top: 1px solid #10304c; border-bottom: 1px solid #10304c; }

/* Nav: longer label + one-column personal dropdown */

/* Homepage hero */
.hero-visual { position: relative; padding-bottom: 56px; }
.hero-photo { margin: 0; position: relative; aspect-ratio: 4 / 3; border-radius: 16px; overflow: hidden; border: 1px solid var(--line); box-shadow: 0 24px 60px rgba(0,0,0,.4); background: var(--panel); }
.hero-photo img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 40%; }
.img-note { position: absolute; left: 8px; background: var(--ink); color: #fff; font-size: .75rem; font-weight: 500; line-height: 1; padding: 6px 10px; border-radius: 99px; }
.status-card { position: absolute; right: -24px; bottom: 0; width: 300px; background: #fff; color: #0a2238; border-radius: 12px; box-shadow: 0 16px 36px rgba(0,10,20,.45); padding: 14px 16px; }
.status-card .hd { display: flex; justify-content: space-between; align-items: center; font-weight: 500; font-size: .9rem; margin-bottom: 8px; }
.tag-sample { font-size: .75rem; font-weight: 500; background: #e9cd8b; color: var(--ink); border-radius: 99px; padding: 2px 9px; }
.status-card ul { list-style: none; }
.status-card li { display: flex; justify-content: space-between; align-items: center; gap: 10px; font-size: .85rem; padding: 6px 0; border-top: 1px solid #e6eef2; line-height: 1.4; }
.status-card li span { color: #3e5868; }
.chip { font-size: .75rem; font-weight: 500; border-radius: 99px; padding: 3px 10px; white-space: nowrap; color: #fff; }
.hero-btns { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.btn-2l { flex-direction: column; align-items: flex-start; gap: 1px; padding: 9px 22px; line-height: 1.25; }
.btn-2l .sub { font-size: .78rem; color: var(--muted); font-weight: 400; }
.hero--home .lead { max-width: 56ch; }
.hero--home h1 { max-width: 20ch; }
.hero--home h1 span { color: var(--teal-text); }

/* Cash-flow section */
.cash-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; margin-top: 30px; }
.cash-card { background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; display: flex; gap: 16px; align-items: flex-start; }
.cash-card h3 { font-size: 1.1rem; margin-bottom: 6px; }
.cash-card p { margin: 0; color: var(--muted); font-size: .98rem; line-height: 1.55; }
.cash-close { margin: 28px 0 0; font-size: 1.15rem; font-weight: 500; color: #fff; display: flex; align-items: center; gap: 12px; }
.cash-close .ico { color: var(--gold); }
.flow-section .flow { max-width: 760px; margin: 0 auto; }

/* Business services grid */
.svc-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; margin-top: 34px; }
.svc { background: #fff; color: #0a2238; border-radius: var(--radius); padding: 22px; display: flex; flex-direction: column; gap: 10px; box-shadow: 0 10px 26px rgba(0,10,20,.22); }
.svc .badge { width: 46px; height: 46px; background: #e3f2f3; color: #087482; }
.svc h3 { color: #0a2238; font-size: 1.1rem; margin: 0; }
.svc p { margin: 0; font-size: .95rem; line-height: 1.55; color: #2a4459; }
.svc .fit { font-size: .88rem; line-height: 1.45; background: #f2f7f9; border-radius: 8px; padding: 10px 12px; }
.svc .fit b { color: #087482; font-weight: 500; }
.svc .note { font-size: .84rem; color: #56707f; font-style: italic; }
.svc .more { margin-top: auto; padding-top: 6px; font-weight: 500; font-size: .95rem; color: #087482; text-decoration: none; display: inline-flex; align-items: center; gap: 6px; min-height: 40px; }
.svc .more:hover { color: #065a65; text-decoration: underline; }
.svc .more .ico { width: 16px; height: 16px; }
.supporting { background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; }
.supporting h3 { font-size: 1.05rem; margin-bottom: 10px; }
.supporting ul { list-style: none; }
.supporting li { display: flex; gap: 10px; align-items: flex-start; font-size: .92rem; line-height: 1.4; padding: 7px 0; border-top: 1px solid var(--line); }
.supporting li:first-child { border-top: 0; }
.supporting li .ico { width: 18px; height: 18px; color: var(--teal-text); margin-top: 2px; }

/* Personal teaser on homepage */
.ind-teaser { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); gap: 40px; align-items: center; background: var(--panel); border: 1px solid var(--line); border-radius: 18px; padding: clamp(24px, 4vw, 40px); }
.ind-teaser h2 { margin-bottom: 14px; }
.ind-teaser p.d { color: var(--text); opacity: .92; max-width: 56ch; }
.ind-teaser .btn { margin-top: 10px; }
.mini-flow { display: grid; grid-template-columns: 1fr auto 1fr; gap: 14px; align-items: center; }
.mini-flow .stack { display: grid; gap: 8px; }
.mini-flow .acct { background: rgba(255,255,255,.06); border: 1px solid var(--line); border-radius: 10px; padding: 9px 12px; font-size: .88rem; font-weight: 500; display: flex; align-items: center; gap: 8px; }
.mini-flow .acct .ico { width: 18px; height: 18px; color: var(--gold); }
.mini-flow .arr { color: var(--teal-text); }
.mini-flow .arr .ico { width: 28px; height: 28px; }
.mini-flow .one { background: #fff; color: #0a2238; border-radius: 12px; padding: 16px; text-align: center; font-weight: 500; font-size: .92rem; line-height: 1.35; }
.mini-flow .one img { height: 26px; width: auto; margin: 0 auto 8px; }

/* Team block */
.team { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.team .lead { color: var(--text); max-width: 54ch; margin-top: 18px; }
.team-points { display: grid; gap: 14px; }
.tp { display: flex; gap: 14px; align-items: center; background: rgba(255,255,255,.04); border: 1px solid var(--line); border-radius: 12px; padding: 16px 18px; font-weight: 500; }
.tp .badge { width: 44px; height: 44px; background: rgba(203,160,78,.16); color: var(--gold); }

/* AR page */
.page-hero .tagline { font-size: clamp(1.2rem, 2.2vw, 1.5rem); font-weight: 500; color: #e9cd8b; margin: 14px 0 0; }
.page-hero .desc { max-width: 62ch; color: var(--text); opacity: .92; margin: 16px 0 0; font-size: 1.1rem; }
.ar-cards { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; margin-top: 30px; }
.ar-cards .svc h3 { font-size: 1.05rem; }
.ar-sub { margin: 48px 0 0; font-size: 1.3rem; }
.rep { background: #fff; color: #0a2238; border-radius: 16px; padding: 28px; box-shadow: 0 16px 40px rgba(0,10,20,.35); }
.rep-top { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; flex-wrap: wrap; }
.rep-top .t { font-weight: 500; font-size: 1.15rem; }
.rep-top .s { font-size: .85rem; color: #56707f; margin-top: 2px; }
.opening { display: flex; align-items: baseline; gap: 10px; flex-wrap: wrap; margin-top: 18px; font-size: .95rem; color: #3e5868; }
.opening b { font-size: 1.9rem; font-weight: 500; color: #0a2238; letter-spacing: -.01em; }
.split-labels { display: grid; grid-template-columns: 50fr 50fr; gap: 10px; margin-top: 18px; font-size: .85rem; font-weight: 500; }
.split-labels div { border-bottom: 2px solid currentColor; padding-bottom: 4px; display: flex; justify-content: space-between; gap: 8px; }
.split-labels .rcv { color: #00727a; }
.split-labels .out { color: #3a4f63; }
.bar { display: flex; gap: 2px; height: 30px; margin-top: 8px; }
.seg { position: relative; height: 100%; }
.seg:first-child { border-radius: 6px 0 0 6px; }
.seg:last-child { border-radius: 0 6px 6px 0; }
.seg.out-hatch { background-image: repeating-linear-gradient(135deg, rgba(255,255,255,.28) 0 3px, transparent 3px 8px); }
.seg .tip { display: none; position: absolute; bottom: calc(100% + 8px); left: 50%; transform: translateX(-50%); background: var(--ink); color: #fff; font-size: .8rem; line-height: 1.35; padding: 7px 10px; border-radius: 8px; white-space: nowrap; z-index: 5; }
.seg:hover .tip, .seg:focus .tip { display: block; }
.rows { margin-top: 20px; display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 12px; }
.amt { background: #f2f7f9; border-radius: 12px; padding: 14px; border-top: 5px solid var(--c); display: flex; flex-direction: column; gap: 6px; }
.amt .lab { font-size: .84rem; font-weight: 500; line-height: 1.3; color: #0a2238; min-height: 3.3em; }
.amt .val { font-size: 1.2rem; font-weight: 500; color: #0a2238; }
.amt .pct { font-size: .84rem; color: #3e5868; }
.amt.rcv { background: #e5f4f5; }
.totals { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 14px; }
.tot { border-radius: 12px; padding: 14px 16px; display: flex; justify-content: space-between; align-items: center; gap: 12px; font-weight: 500; font-size: .95rem; }
.tot b { font-size: 1.3rem; font-weight: 500; white-space: nowrap; }
.tot.rcv { background: #e5f4f5; color: #00575e; }
.tot.out { background: #eef1f6; color: #24364a; }
.next-h { margin: 18px 0 0; font-weight: 500; }
.next { margin-top: 8px; display: grid; grid-template-columns: 1fr 1fr; gap: 6px 18px; list-style: none; }
.next li { display: flex; gap: 10px; align-items: flex-start; font-size: .95rem; color: #2a4459; }
.next li .ico { width: 18px; height: 18px; color: #087482; margin-top: 4px; }
.rep-note { margin-top: 16px; padding: 10px 12px; border-radius: 10px; background: #fbf4e6; color: #6b4e12; font-size: .88rem; border: 1px solid #f0ddb0; }
.table-toggle { margin-top: 12px; font-size: .9rem; }
.table-toggle summary { cursor: pointer; color: #087482; font-weight: 500; min-height: 32px; }
.table-toggle table { border-collapse: collapse; width: 100%; margin-top: 8px; }
.table-toggle th, .table-toggle td { text-align: left; padding: 7px 10px; border-bottom: 1px solid #e1eaef; color: #0a2238; font-weight: 400; }
.table-toggle thead th, .table-toggle tbody th { font-weight: 500; }
.table-toggle td.n, .table-toggle th.n { text-align: right; font-variant-numeric: tabular-nums; }
.cta-box { border-radius: 18px; padding: clamp(28px, 4vw, 44px); display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, .7fr); gap: 32px; align-items: center; background: linear-gradient(130deg, #087482, #00566a 60%, #004359); }
.cta-box h2 { margin-bottom: 0; }
.cta-box p { margin: 12px 0 0; color: #eaf6f7; }
.cta-side { text-align: center; }
.cta-side .btn { width: 100%; }
.cta-side small { display: block; margin-top: 12px; color: #eaf6f7; font-size: .92rem; }

/* Personal Debt & Repayment Support page */
.hl { background: #fff; color: #0a2238; border-radius: 20px; padding: clamp(22px, 3.5vw, 36px); box-shadow: 0 18px 44px rgba(0,10,20,.35); border-top: 6px solid var(--gold); }
.hl-top { display: flex; gap: 18px; align-items: flex-start; }
.hl .badge { width: 56px; height: 56px; border-radius: 14px; background: #e3f2f3; color: #087482; }
.hl .badge .ico { width: 30px; height: 30px; }
.hl .tagline { display: inline-block; font-size: .75rem; font-weight: 500; letter-spacing: .14em; text-transform: uppercase; color: #7a5a17; background: #fbf4e6; border: 1px solid #f0ddb0; border-radius: 99px; padding: 3px 10px; margin-bottom: 8px; }
.hl h3 { color: #0a2238; font-size: clamp(1.4rem, 2.4vw, 1.75rem); line-height: 1.2; }
.hl p.d { margin: 10px 0 0; color: #2a4459; max-width: 70ch; }
.pdflow { display: grid; grid-template-columns: 1fr auto 1fr auto 1fr; gap: 16px; align-items: stretch; margin-top: 28px; }
.fcol { background: #f2f7f9; border-radius: 14px; padding: 18px; display: flex; flex-direction: column; gap: 10px; }
.fcol h4 { margin: 0 0 4px; font-size: .8rem; font-weight: 500; letter-spacing: .06em; text-transform: uppercase; color: #56707f; line-height: 1.35; }
.fitem { display: flex; align-items: center; gap: 10px; background: #fff; border: 1px solid #e1eaef; border-radius: 10px; padding: 10px 12px; font-size: .92rem; font-weight: 500; color: #0a2238; line-height: 1.35; }
.fitem .ico { width: 20px; height: 20px; color: #087482; }
.fitem.acc .ico { color: #9a7a1e; }
.fcol.mid { background: var(--ink-2); justify-content: center; align-items: center; text-align: center; }
.fcol.mid h4 { color: var(--teal-text); }
.fcol.mid img { height: 34px; width: auto; margin: 4px auto 8px; }
.fcol.mid p { margin: 0; font-size: .92rem; line-height: 1.45; color: #e6f0f4; }
.farr { display: grid; place-items: center; color: #087482; }
.farr .ico { width: 34px; height: 34px; }
.fnote { margin: 14px 0 0; font-size: .82rem; color: #56707f; }
.pd-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; margin-top: 24px; }
.pd-card { background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: flex; flex-direction: column; gap: 10px; }
.pd-card .top { display: flex; justify-content: space-between; align-items: center; }
.pd-card .badge { width: 46px; height: 46px; }
.pd-card .n { font-weight: 500; color: var(--teal-text); font-size: .88rem; }
.pd-card h3 { font-size: 1.1rem; margin: 0; }
.pd-card p { margin: 0; font-size: .96rem; line-height: 1.55; color: var(--text); opacity: .9; }
.pd-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 16px 22px; margin-top: 32px; }
.pd-cta .free { font-weight: 500; color: #e9cd8b; display: flex; align-items: center; gap: 8px; }
.pd-cta .free .ico { width: 20px; height: 20px; }
.svc-note { margin-top: 22px; display: flex; gap: 14px; align-items: flex-start; background: rgba(203,160,78,.12); border: 1px solid rgba(203,160,78,.45); border-radius: 14px; padding: 16px 18px; }
.svc-note .ico { width: 24px; height: 24px; color: var(--gold); margin-top: 2px; }
.svc-note p { margin: 0; color: #fff; font-size: .98rem; line-height: 1.6; }
.svc-note b { display: block; font-size: .75rem; font-weight: 500; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin-bottom: 4px; }
[id^="pd-service-"] { scroll-margin-top: 100px; }

@media (max-width: 1100px) {
  .svc-grid, .ar-cards, .pd-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .rows { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .ind-teaser { grid-template-columns: 1fr; }
  .status-card { right: -8px; }
}
@media (max-width: 920px) {
  .team { grid-template-columns: 1fr; gap: 36px; }
  .cash-grid { grid-template-columns: 1fr; }
  .cta-box { grid-template-columns: 1fr; }
  .status-card { left: 12px; right: 12px; width: auto; }
  .pdflow { grid-template-columns: 1fr; gap: 10px; }
  .farr .ico { transform: rotate(90deg); }
}
@media (max-width: 600px) {
  .svc-grid, .ar-cards, .pd-grid { grid-template-columns: 1fr; gap: 14px; }
  .hero-visual { padding-bottom: 0; }
  .status-card { position: relative; left: auto; right: auto; margin: -28px 4px 0; width: auto; }
  .img-note { bottom: auto; top: 8px; }
  .rows { grid-template-columns: 1fr 1fr; }
  .rows .amt:first-child { grid-column: 1 / -1; }
  .amt .lab { min-height: 0; }
  .amt .val { font-size: 1.05rem; white-space: nowrap; }
  .split-labels { display: none; }
  .tot { flex-direction: column; align-items: flex-start; gap: 2px; }
  .totals, .next { grid-template-columns: 1fr; }
  .rep { padding: 18px; }
  .mini-flow { grid-template-columns: 1fr; }
  .mini-flow .arr .ico { transform: rotate(90deg); margin: 0 auto; }
  .hl-top { flex-direction: column; gap: 12px; }
  .pd-cta .btn, .ind-teaser .btn { width: 100%; }
  .hero-btns .btn { width: 100%; }
}

:root { --c-received: #00959f; --c-commit: #d4a12a; --c-query: #b04a6e; --c-await: #6a8fd8; --c-escal: #3a55a4; }


/* ---------- Desktop mega-dropdowns (hover / focus / click) ---------- */
.sub-menu .ico { width: 20px; height: 20px; flex: none; }
.sub-menu a { display: flex; align-items: center; gap: 10px; }
.sub-h { display: none; }
@media (min-width: 1261px) {
  .main-nav a.nav-link { white-space: nowrap; font-weight: 500; color: #fff; font-size: .97rem; }
  .main-nav a.nav-link[aria-current="page"] { box-shadow: inset 0 -3px 0 var(--teal-text); }
  .main-nav .nav-cta { display: none; }
  .main-nav > ul { gap: 6px; }
  .sub-menu { background: #fff; border: 0; border-radius: 14px; padding: 16px; top: calc(100% + 12px); left: -12px; box-shadow: 0 18px 40px rgba(0,10,20,.4); list-style: none; }
  .sub-menu::before { content: ""; position: absolute; left: 0; right: 0; top: -14px; height: 14px; }
  .sub-menu--two { width: 600px; min-width: 600px; }
  .sub-menu--one { width: 410px; min-width: 410px; }
  .has-sub:hover > .sub-menu[hidden], .has-sub:focus-within > .sub-menu[hidden], .has-sub > .sub-toggle[aria-expanded="true"] + .sub-menu { display: grid !important; }
  .sub-menu--two { grid-template-columns: 1fr 1fr; gap: 4px 16px; }
  .sub-menu--one { grid-template-columns: 1fr; gap: 4px; }
  .sub-menu .sub-ov, .sub-menu .sub-h { grid-column: 1 / -1; }
  .sub-menu .sub-h { display: block; margin: 8px 8px 4px; font-size: .75rem; font-weight: 500; letter-spacing: .14em; text-transform: uppercase; color: #56707f; }
  .sub-menu a { padding: 10px; color: #0a2238; font-weight: 500; font-size: .95rem; line-height: 1.3; border-radius: 10px; }
  .sub-menu a:hover, .sub-menu a:focus-visible { background: #e3f2f3; color: #0a2238; }
  .sub-menu .ico { color: #087482; }
  .sub-menu .sub-overview { background: #f2f7f9; color: #0a2238; border-bottom: 0; margin: 0; padding: 12px 10px; }
  .sub-menu .sub-overview:hover { background: #e3f2f3; }
}

/* Global sticky header safeguard: remains fixed at viewport top while scrolling on every shared-layout page. */
.site-header { position: -webkit-sticky; position: sticky; top: 0; z-index: 1000; }
@media (max-width: 600px) { .dock { right: max(12px, env(safe-area-inset-right, 0px)); bottom: max(12px, env(safe-area-inset-bottom, 0px)); } }


/* ---------- Privacy notice: white reading background ---------- */
.section.policy, .page-hero + .section.policy { background: #fff; color: #1f3547; border-top: 0; padding: clamp(40px, 6vw, 72px) 0; }
.policy-doc { max-width: 860px; }
.policy-doc p, .policy-doc li { color: #1f3547; font-size: 1.05rem; line-height: 1.75; }
.policy-doc p { margin: 0 0 16px; }
.policy-date { font-weight: 500; color: #087482 !important; }
.policy-doc h2 { color: #0a2238; font-size: clamp(1.25rem, 2.2vw, 1.5rem); margin: 40px 0 14px; padding-top: 8px; }
.policy-doc ul { list-style: disc; display: block; margin: 0 0 18px; padding-left: 1.4rem; }
.policy-doc li { margin: 0 0 8px; padding-left: 4px; }
.policy-doc a { color: #087482; text-decoration: underline; text-underline-offset: 3px; }
.policy-doc a:hover { color: #065a65; }
.policy-contact { font-style: normal; display: grid; gap: 6px; background: #f2f7f9; border-left: 4px solid #cba04e; border-radius: 10px; padding: 18px 22px; color: #1f3547; line-height: 1.6; }
.policy-contact strong { color: #0a2238; font-weight: 500; font-size: 1.1rem; }


/* ---------- Company address (footer + contact page) ---------- */
.footer-address { font-style: normal; display: grid; gap: 2px; margin-top: 18px; font-size: .95rem; line-height: 1.55; color: var(--muted); }
.footer-address strong { color: #fff; font-weight: 500; }
.footer-address .fa-row { margin-top: 6px; }
.footer-address a { color: #fff; text-decoration: none; overflow-wrap: anywhere; }
.footer-address a:hover { text-decoration: underline; }
.loc-grid { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: 28px; align-items: stretch; margin-top: 24px; }
.loc-card address { font-style: normal; display: grid; gap: 4px; line-height: 1.6; }
.loc-card address strong { font-size: 1.15rem; font-weight: 500; color: #fff; }
.loc-list { list-style: none; display: grid; gap: 12px; margin: 20px 0 4px; }
.loc-list li { display: grid; gap: 2px; }
.loc-k { font-size: .78rem; font-weight: 500; letter-spacing: .12em; text-transform: uppercase; color: var(--teal-text); }
.loc-list a { color: #fff; font-weight: 500; text-decoration: none; overflow-wrap: anywhere; }
.loc-list a:hover { text-decoration: underline; }
.loc-card .btn-row { margin-top: 18px; }
.map-frame { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); min-height: 380px; background: var(--panel); }
.map-frame iframe { display: block; width: 100%; height: 100%; min-height: 380px; border: 0; }
@media (max-width: 900px) { .loc-grid { grid-template-columns: 1fr; } }

/* ---------- New service pages ---------- */
.svc-grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); margin-top: 0; }
.tagline { font-size: clamp(1.1rem, 2vw, 1.35rem); font-weight: 500; color: #e9cd8b; margin: 12px 0 0; }
.hero-box { margin: 20px 0 0; max-width: 62ch; padding: 12px 16px; border-left: 4px solid var(--gold); background: rgba(203,160,78,.12); border-radius: 0 10px 10px 0; color: #fff; }
.where-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin: 0 0 28px; }
.where-grid h3 { font-size: 1.15rem; margin-bottom: 12px; color: var(--teal-text); }
.todo { background: #fff3c4; color: #5c4300; border-radius: 4px; padding: 0 5px; font-weight: 500; }
.track--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.track--4::before { left: 12.5%; right: 12.5%; }
.std-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
.std { background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; border-top: 3px solid var(--teal-text); }
.std h3 { font-size: 1.05rem; margin-bottom: 8px; }
.std p { margin: 0; color: var(--muted); font-size: .95rem; line-height: 1.55; }
.notice { background: #eaf4f5; color: #1f3547; border-left: 5px solid var(--gold); border-radius: 12px; padding: clamp(20px, 3vw, 30px); }
.notice h2 { font-size: 1.3rem; color: #0a2238; margin-bottom: 10px; }
.notice p { margin: 0; color: #1f3547; line-height: 1.7; }
.cta-navy { display: grid; grid-template-columns: minmax(0, 1.3fr) auto; gap: 28px; align-items: center; background: #0a2238; border: 1px solid var(--line); border-radius: 18px; padding: clamp(26px, 4vw, 42px); }
.cta-navy h2 { margin-bottom: 8px; }
.cta-navy p { margin: 0; color: var(--text); opacity: .92; }
.cta-btns { display: flex; flex-wrap: wrap; gap: 12px; }
.rel-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; margin-top: 18px; }
.rel { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 18px 20px; background: var(--panel); border: 1px solid var(--line); border-radius: var(--radius); color: #fff; font-weight: 500; text-decoration: none; }
.rel:hover { border-color: var(--teal-text); }
.rel .ico { width: 20px; height: 20px; color: var(--teal-text); }
@media (max-width: 1100px) { .std-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 900px) { .svc-grid--3 { grid-template-columns: repeat(2, minmax(0, 1fr)); } .where-grid, .rel-grid { grid-template-columns: 1fr; } .cta-navy { grid-template-columns: 1fr; } }
@media (max-width: 900px) { .track--4 { grid-template-columns: 1fr; } .track--4::before { left: 17px; right: auto; } }
@media (max-width: 600px) { .svc-grid--3, .std-grid { grid-template-columns: 1fr; } .cta-btns .btn, .page-hero .btn-row .btn { width: 100%; } }


/* ==========================================================================
   RESPONSIVE LAYER — every hero + every device size (320px phones to 4K)
   ========================================================================== */

/* ---------- Global safety ---------- */
html, body { max-width: 100%; overflow-x: clip; }
img, svg, video, iframe { max-width: 100%; }
h1, h2, h3, h4, p, li, a, address { overflow-wrap: break-word; word-wrap: break-word; }
table { max-width: 100%; }
.wrap { padding-left: max(var(--gutter), env(safe-area-inset-left, 0px)); padding-right: max(var(--gutter), env(safe-area-inset-right, 0px)); }
@media (max-width: 380px) { :root { --gutter: 16px; } body { font-size: 1rem; } }
@media (min-width: 1600px) { :root { --wrap: 1320px; } body { font-size: 1.125rem; } }
@media (min-width: 2200px) { :root { --wrap: 1560px; } body { font-size: 1.2rem; } }

/* ---------- Header on small screens ---------- */
.nav-bar { min-height: 68px; gap: 12px; }
@media (max-width: 1260px) {
  .main-nav { max-height: calc(100vh - 68px); max-height: calc(100dvh - 68px); -webkit-overflow-scrolling: touch; overscroll-behavior: contain; }
}
@media (max-width: 520px) { .nav-bar { min-height: 62px; } .brand img { height: 36px; } .nav-toggle { width: 44px; height: 44px; } }
@media (max-width: 340px) { .brand img { height: 32px; } }
@media (max-height: 480px) and (orientation: landscape) { .nav-bar { min-height: 56px; } .dock { gap: 8px; } .dock-btn { width: 44px; height: 44px; } }

/* ---------- Shared hero scale (home + page heroes) ---------- */
.hero h1, .page-hero h1 { font-size: clamp(1.9rem, 1.2rem + 3.2vw, 3.4rem); line-height: 1.12; max-width: 22ch; }
.hero--home h1 { max-width: 20ch; }
.page-hero .lead, .page-hero .desc, .hero .lead { font-size: clamp(1.02rem, .95rem + .45vw, 1.28rem); }
.page-hero .tagline, .page-hero .hero-box, .page-hero .fee { max-width: 62ch; }
.breadcrumb { margin-bottom: clamp(14px, 3vw, 24px); }
.breadcrumb li { min-width: 0; }
.breadcrumb a, .breadcrumb span { overflow-wrap: anywhere; }
.page-hero .btn-row, .hero-btns { margin-top: clamp(20px, 3vw, 28px); }

@media (max-width: 960px) {
  .hero { padding-top: clamp(28px, 6vw, 56px); }
  .hero h1, .page-hero h1 { max-width: 100%; }
  .hero-visual { max-width: 680px; width: 100%; margin: 0 auto; }
}
@media (max-width: 600px) {
  .page-hero { padding: 28px 0 36px; }
  .hero { padding: 24px 0 32px; }
  .page-hero .btn-row { flex-direction: column; align-items: stretch; gap: 14px; }
  .page-hero .btn-row .btn { width: 100%; }
  .page-hero .btn-row .text-link { align-self: flex-start; padding: 8px 0; }
  .hero-btns { flex-direction: column; align-items: stretch; }
  .hero-btns .btn { width: 100%; }
  .btn-2l { align-items: center; text-align: center; }
  .hero-note { font-size: .9rem; }
}
@media (max-width: 380px) {
  .hero h1, .page-hero h1 { font-size: 1.75rem; }
  .btn { padding: 12px 16px; font-size: .95rem; }
}
@media (max-height: 480px) and (orientation: landscape) {
  .hero, .page-hero { padding-top: 24px; padding-bottom: 28px; }
}

/* ---------- Home hero: card + photo ---------- */
.hero-photo img { aspect-ratio: 4 / 3; }
@media (max-width: 1100px) and (min-width: 961px) { .status-card { width: 260px; right: 0; } }
@media (max-width: 600px) { .status-card li { flex-wrap: wrap; } .chip { white-space: normal; } }

/* ---------- ABOUT hero (replaces the old inline <style>) ---------- */
.page-hero-about { background: #071f33; color: #fff; padding: clamp(28px, 5vw, 72px) 0 clamp(36px, 5vw, 64px); }
.page-hero-about .breadcrumb { margin-bottom: clamp(24px, 4vw, 48px); }
.about-hero-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.35fr); gap: clamp(24px, 4.5vw, 72px); align-items: start; }
.about-hero-title h1 { margin: 0; font-size: clamp(2rem, 1rem + 3.6vw, 3.9rem); line-height: 1.08; letter-spacing: -0.025em; font-weight: 500; color: #fff; max-width: 100%; text-wrap: balance; }
.about-hero-content { max-width: 62ch; }
.about-hero-content p { margin: 0 0 1.1em; font-size: clamp(1.02rem, .9rem + .7vw, 1.4rem); line-height: 1.6; color: #a9bacb; }
.about-hero-content p:last-child { margin-bottom: 0; }
@media (max-width: 820px) {
  .about-hero-grid { grid-template-columns: 1fr; gap: 20px; }
  .about-hero-title h1 { max-width: 100%; font-size: clamp(1.9rem, 1.2rem + 4.6vw, 2.75rem); }
  .about-hero-content { max-width: 100%; }
}
@media (max-width: 380px) { .about-hero-title h1 { font-size: 1.75rem; } .about-hero-content p { font-size: 1rem; } }
@media (min-width: 1600px) { .about-hero-content p { font-size: 1.5rem; } }

/* ---------- Home: process widget, teaser, team ---------- */
@media (max-width: 440px) {
  .flow-steps { gap: 2px; }
  .flow-ico { width: 40px; height: 40px; border-radius: 11px; }
  .flow-ico svg { width: 19px; height: 19px; }
  .flow-name { font-size: 1.2rem; }
  .flow-title { font-size: .85rem; }
}
.cash-close { flex-wrap: wrap; }
@media (max-width: 600px) { .team-points .tp { padding: 14px; } .ind-teaser { padding: 22px 18px; } }

/* ---------- Layout grids at in-between sizes ---------- */
@media (min-width: 601px) and (max-width: 900px) { .grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 900px) {
  .section-head { margin-bottom: 28px; }
  .footer-grid { gap: 30px 24px; }
  .consult-actions .btn { justify-content: center; }
  .cta-btns { flex-direction: column; align-items: stretch; }
  .cta-btns .btn { width: 100%; }
  .steps > li { grid-template-columns: 44px 1fr; gap: 0 14px; }
  .steps > li::before { width: 38px; height: 38px; }
}
@media (max-width: 480px) {
  .panel { padding: 20px 16px; }
  .consult, .cta-box, .cta-navy, .entrance { padding: 24px 18px; }
  .faq summary { padding-right: 36px; font-size: 1rem; }
  .faq details p { padding-right: 0; }
  .founder-photo { max-width: 100%; }
  .footer-bottom { flex-direction: column; }
  .support { padding: 28px 0; }
  .where-grid { gap: 14px; }
  .rel { padding: 16px; }
  .af-col, .fcol { padding: 16px; }
}
.founder-photo img { width: 100%; height: auto; }
@media (max-width: 860px) { .founder { gap: 28px; } .founder-photo { max-width: min(340px, 100%); } }

/* ---------- Forms / contact ---------- */
.field input[type="text"], .field input[type="email"], .field input[type="tel"], .field select, .field textarea { font-size: 16px; } /* stops iOS zoom on focus */
@media (max-width: 480px) { .radio-row label { width: 100%; border-radius: var(--radius-sm); } .submit-row .btn { width: 100%; } }
.map-frame, .map-frame iframe { min-height: clamp(260px, 60vw, 380px); }
.rep .bar { overflow: hidden; }
.table-toggle { overflow-x: auto; -webkit-overflow-scrolling: touch; }

/* ---------- Floating dock never covers content on phones ---------- */
@media (max-width: 600px) { .site-footer { padding-bottom: 96px; } .toast { bottom: 90px; } }

/* ---------- 404 / thank-you ---------- */
.center-page { min-height: min(55vh, 520px); }
@media (max-width: 600px) { .center-page .btn-row { flex-direction: column; align-items: stretch; } .center-page .btn-row .btn { width: 100%; } }

/* ---------- Touch devices: comfortable targets, no hover-only UI ---------- */
@media (hover: none) { .btn:hover, .dock-btn:hover, .brand:hover { transform: none; } }