/* ----------  Fonts ---------- */
@import url("https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Plus+Jakarta+Sans:wght@500;600;700;800&display=swap");

/* ----------  Base ----------
   Brand palette derived from westernfintrade.org:
   crimson #E13A44, deep red #96272D, wine #4B1317 + warm neutrals.
*/
:root {
  /* Warm neutral "ink" scale (was navy-*) — keeps variable names to avoid HTML churn */
  --navy-50:  #faf6f6;
  --navy-100: #efe2e3;
  --navy-200: #e2cbcd;
  --navy-300: #c0989b;
  --navy-500: #8a5a5e;
  --navy-700: #4a2326;
  --navy-800: #3a181b;
  --navy-900: #2d1216;
  --navy-950: #1f0a0d;

  /* Crimson scale (was gold-*) — replaces gold accents with brand red */
  --gold-300: #f5a3a8;
  --gold-400: #ed5560;
  --gold-500: #E13A44;
  --gold-600: #b82e36;
  --gold-700: #96272D;

  /* Accent now matches the brand — used for link hovers / focus rings */
  --accent: #E13A44;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body { margin: 0; padding: 0; }

body {
  font-family: "Inter", ui-sans-serif, system-ui, sans-serif;
  color: var(--navy-900);
  background: #fff;
  -webkit-font-smoothing: antialiased;
  line-height: 1.6;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }

.font-display {
  font-family: "Plus Jakarta Sans", "Inter", ui-sans-serif, system-ui, sans-serif;
  letter-spacing: -0.01em;
}

/* ----------  Layout primitives ---------- */
.container-page {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}
@media (min-width: 640px) { .container-page { padding: 0 24px; } }
@media (min-width: 1024px) { .container-page { padding: 0 32px; } }

.section { padding: 64px 0; }
@media (min-width: 640px) { .section { padding: 80px 0; } }
@media (min-width: 1024px) { .section { padding: 96px 0; } }

/* ----------  Typography ---------- */
.h-display {
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  font-size: clamp(2rem, 5vw, 3.5rem);
  line-height: 1.05;
  color: var(--navy-950);
  letter-spacing: -0.02em;
}
.h-section {
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  line-height: 1.15;
  color: var(--navy-950);
  letter-spacing: -0.015em;
}
.lede {
  font-size: 1.05rem;
  color: var(--navy-700);
  line-height: 1.7;
}
.eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--accent);
}

/* ----------  Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  border-radius: 9999px;
  padding: 0.75rem 1.5rem;
  font-size: 0.875rem;
  font-weight: 600;
  transition: all 0.2s ease;
  border: 1px solid transparent;
  white-space: nowrap;
}
.btn-primary {
  background: var(--navy-900);
  color: #fff;
  box-shadow: 0 2px 14px -4px rgba(10, 31, 61, 0.1);
}
.btn-primary:hover { background: var(--navy-800); }
.btn-gold {
  background: var(--gold-500);
  color: #ffffff;
  box-shadow: 0 4px 16px -6px rgba(225, 58, 68, 0.45);
}
.btn-gold:hover { background: var(--gold-600); }
.btn-ghost {
  border-color: var(--navy-200);
  color: var(--navy-900);
}
.btn-ghost:hover { background: var(--navy-50); }
.btn-outline-light {
  border-color: rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.05);
  color: #fff;
}
.btn-outline-light:hover { background: rgba(255, 255, 255, 0.1); }

/* ----------  Cards ---------- */
.card {
  background: #fff;
  border: 1px solid var(--navy-100);
  border-radius: 1rem;
  padding: 1.5rem;
  box-shadow: 0 2px 14px -4px rgba(10, 31, 61, 0.1);
}

/* ----------  Form ---------- */
.label {
  display: block;
  margin-bottom: 0.4rem;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy-700);
}
.input {
  width: 100%;
  padding: 0.75rem 1rem;
  font-size: 0.9rem;
  color: var(--navy-900);
  background: #fff;
  border: 1px solid var(--navy-200);
  border-radius: 0.75rem;
  outline: none;
  font-family: inherit;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.input::placeholder { color: var(--navy-300); }
.input:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(225, 58, 68, 0.15);
}
textarea.input { resize: none; }

/* ----------  Navbar ---------- */
.navbar {
  position: sticky;
  top: 0;
  z-index: 50;
  background: #fff;
  border-bottom: 1px solid transparent;
  transition: all 0.2s ease;
}
.navbar.scrolled {
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(8px);
  border-bottom-color: var(--navy-100);
  box-shadow: 0 2px 14px -4px rgba(10, 31, 61, 0.06);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
@media (min-width: 1024px) { .nav-inner { height: 80px; } }

.nav-brand {
  display: flex;
  align-items: center;
  gap: 10px;
}
.nav-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 12px;
  background: var(--navy-950);
  box-shadow: 0 2px 14px -4px rgba(10, 31, 61, 0.2);
}
.nav-brand-text { line-height: 1.1; }
.nav-brand-name {
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--navy-950);
}
.nav-brand-name span { color: var(--gold-600); }
.nav-brand-tag {
  font-size: 0.625rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--navy-500);
}

.nav-links {
  display: none;
  align-items: center;
  gap: 0.25rem;
}
@media (min-width: 1024px) { .nav-links { display: flex; } }

.nav-link {
  position: relative;
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy-800);
  border-radius: 9999px;
  transition: background 0.15s;
}
.nav-link:hover { background: var(--navy-50); }
.nav-link.active { color: var(--navy-950); background: var(--navy-50); }

.nav-dropdown { position: relative; }
.nav-dropdown-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  padding: 0.5rem 1rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy-800);
  background: transparent;
  border: none;
  border-radius: 9999px;
}
.nav-dropdown-btn:hover { background: var(--navy-50); }
.nav-dropdown-btn svg { transition: transform 0.2s; }
.nav-dropdown:hover .nav-dropdown-btn svg { transform: rotate(180deg); }

.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%);
  padding-top: 0.5rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.15s, visibility 0.15s;
}
.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
}
.nav-dropdown-inner {
  width: 240px;
  background: #fff;
  border: 1px solid var(--navy-100);
  border-radius: 1rem;
  box-shadow: 0 6px 24px -8px rgba(10, 31, 61, 0.18);
  overflow: hidden;
}
.nav-dropdown-inner a {
  display: block;
  padding: 0.75rem 1rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy-800);
}
.nav-dropdown-inner a:hover { background: var(--navy-50); }

.nav-cta {
  display: none;
  align-items: center;
  gap: 0.75rem;
}
@media (min-width: 1024px) { .nav-cta { display: flex; } }
.nav-phone { font-size: 0.875rem; font-weight: 500; color: var(--navy-700); }
.nav-phone:hover { color: var(--navy-950); }

.nav-toggle {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 9999px;
  border: 1px solid var(--navy-200);
  background: #fff;
  color: var(--navy-900);
}
@media (min-width: 1024px) { .nav-toggle { display: none; } }

.nav-mobile {
  display: none;
  border-top: 1px solid var(--navy-100);
  background: #fff;
}
.nav-mobile.open { display: block; }
.nav-mobile-inner {
  padding: 1rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}
.nav-mobile a, .nav-mobile-group-title {
  padding: 0.65rem 0.75rem;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--navy-800);
  border-radius: 0.5rem;
}
.nav-mobile a:hover { background: var(--navy-50); }
.nav-mobile-group-title {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--navy-500);
  padding-top: 1rem;
  padding-bottom: 0.25rem;
}

/* ----------  Hero ---------- */
.hero {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, #1f0a0d 0%, #2d1216 45%, #4a2326 100%);
  color: #fff;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(225, 58, 68, 0.10) 0%, rgba(225, 58, 68, 0) 60%);
}
.hero-blob {
  position: absolute;
  border-radius: 9999px;
  filter: blur(80px);
  opacity: 0.4;
  pointer-events: none;
}
.hero-blob-1 {
  top: -8rem;
  right: -8rem;
  width: 24rem;
  height: 24rem;
  background: rgba(225, 58, 68, 0.20);
}
.hero-blob-2 {
  bottom: -8rem;
  left: -8rem;
  width: 24rem;
  height: 24rem;
  background: rgba(150, 39, 45, 0.25);
}
.hero-inner {
  position: relative;
  display: grid;
  gap: 3rem;
  align-items: center;
  padding: 80px 0;
}
@media (min-width: 640px) { .hero-inner { padding: 96px 0; } }
@media (min-width: 1024px) {
  .hero-inner.is-home { grid-template-columns: 1.1fr 0.9fr; padding: 112px 0; }
  .hero-inner.is-page { padding: 96px 0; }
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 0.75rem;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--gold-300);
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(224, 184, 90, 0.3);
  border-radius: 9999px;
  backdrop-filter: blur(4px);
}
.hero-eyebrow .dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--gold-400);
}
.hero-title {
  margin: 1.25rem 0 0;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  font-size: clamp(2.25rem, 5.5vw, 3.75rem);
  line-height: 1.05;
  letter-spacing: -0.02em;
  color: #fff;
}
.hero-title .accent { color: var(--gold-400); }
.hero-desc {
  margin: 1.25rem 0 0;
  max-width: 36rem;
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--navy-100);
}
.hero-actions {
  margin-top: 2rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}
.hero-stats {
  margin: 2.5rem 0 0;
  padding: 1.5rem 0 0;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  max-width: 32rem;
}
.hero-stats dt {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--navy-300);
}
.hero-stats dd {
  margin: 0.25rem 0 0;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  font-size: 1.75rem;
  color: #fff;
}

.hero-visual {
  display: none;
  position: relative;
}
@media (min-width: 1024px) { .hero-visual { display: block; } }
.hero-card {
  position: relative;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 1.5rem;
  padding: 1.5rem;
  backdrop-filter: blur(8px);
}
.hero-card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.hero-card-eyebrow {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.16em;
  color: var(--gold-300);
}
.hero-card-live {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.25rem 0.625rem;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 9999px;
  font-size: 0.65rem;
  font-weight: 700;
  color: #fff;
}
.hero-card-live .pulse {
  width: 6px; height: 6px; border-radius: 50%;
  background: #34d399;
}
.hero-card-loan {
  margin-top: 1.5rem;
  padding: 1.25rem;
  background: rgba(15, 5, 8, 0.55);
  border: 1px solid rgba(225, 58, 68, 0.12);
  border-radius: 1rem;
}
.hero-card-label { font-size: 0.75rem; color: var(--navy-300); }
.hero-card-amount {
  margin-top: 0.25rem;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  font-size: 1.875rem;
  color: #fff;
}
.hero-card-bar {
  margin-top: 1rem;
  height: 8px;
  background: rgba(255, 255, 255, 0.1);
  border-radius: 9999px;
  overflow: hidden;
}
.hero-card-bar div {
  height: 100%;
  width: 66%;
  background: linear-gradient(90deg, var(--gold-400), var(--gold-500));
  border-radius: 9999px;
}
.hero-card-bar-labels {
  margin-top: 0.5rem;
  display: flex;
  justify-content: space-between;
  font-size: 0.7rem;
  color: var(--navy-300);
}
.hero-card-grid {
  margin-top: 1rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.hero-card-tile {
  padding: 0.75rem;
  background: rgba(255, 255, 255, 0.04);
  border-radius: 0.75rem;
}
.hero-card-tile-label {
  font-size: 0.625rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy-300);
}
.hero-card-tile-value {
  margin-top: 0.15rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: #fff;
}
.hero-card-foot {
  margin-top: 1.25rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.7rem;
  color: var(--navy-300);
}

/* ----------  Hero EMI Calculator ---------- */
.calc-summary {
  margin-top: 0.9rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}
.calc-summary-label {
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy-300);
  font-weight: 600;
}
.calc-summary-value {
  margin-top: 0.15rem;
  font-size: 0.95rem;
  font-weight: 700;
  color: #fff;
}

.calc-controls {
  margin-top: 1.1rem;
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}
.calc-row { display: flex; flex-direction: column; gap: 0.35rem; }
.calc-row-head {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
}
.calc-row-head label {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--navy-300);
  font-weight: 600;
}
.calc-row-value {
  font-family: "Plus Jakarta Sans", sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--gold-400);
  letter-spacing: -0.005em;
}
.calc-range-labels {
  display: flex;
  justify-content: space-between;
  font-size: 0.625rem;
  color: var(--navy-300);
  margin-top: 0.1rem;
}

/* Slider — cross-browser styled */
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: rgba(255, 255, 255, 0.10);
  border-radius: 9999px;
  outline: none;
  margin: 0.25rem 0;
  cursor: pointer;
  /* JS sets a CSS var --pct to drive the fill */
  background-image: linear-gradient(
    to right,
    var(--gold-500) 0%,
    var(--gold-500) var(--pct, 50%),
    rgba(255, 255, 255, 0.10) var(--pct, 50%),
    rgba(255, 255, 255, 0.10) 100%
  );
  transition: background 0.05s;
}
.calc-slider:focus-visible {
  box-shadow: 0 0 0 3px rgba(225, 58, 68, 0.30);
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--gold-500);
  border: 3px solid #fff;
  cursor: grab;
  box-shadow: 0 3px 10px rgba(225, 58, 68, 0.45);
  transition: transform 0.1s;
}
.calc-slider::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(1.08); }
.calc-slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border: 3px solid #fff;
  border-radius: 50%;
  background: var(--gold-500);
  cursor: grab;
  box-shadow: 0 3px 10px rgba(225, 58, 68, 0.45);
}
.calc-slider::-moz-range-track {
  height: 6px;
  background: transparent;
  border-radius: 9999px;
}

.calc-cta {
  margin-top: 1rem;
  width: 100%;
}

/* ----------  Page header ---------- */
.page-header {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, #1f0a0d 0%, #2d1216 45%, #4a2326 100%);
  color: #fff;
}
.page-header::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(225, 58, 68, 0.10) 0%, rgba(225, 58, 68, 0) 60%);
}
.page-header-inner {
  position: relative;
  padding: 56px 0;
  max-width: 56rem;
}
@media (min-width: 640px) { .page-header-inner { padding: 80px 0; } }
@media (min-width: 1024px) { .page-header-inner { padding: 96px 0; } }
.page-header-title {
  margin: 1.25rem 0 0;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  font-size: clamp(2rem, 4.5vw, 3rem);
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: #fff;
}
.page-header-desc {
  margin: 1.25rem 0 0;
  max-width: 42rem;
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--navy-100);
}

/* ----------  Trust strip ---------- */
.trust-strip {
  border-bottom: 1px solid var(--navy-100);
  background: #fff;
  padding: 1.5rem 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1rem;
}
@media (min-width: 640px) { .trust-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .trust-grid { grid-template-columns: repeat(4, 1fr); } }
.trust-tile {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.75rem 1rem;
  background: rgba(240, 244, 250, 0.4);
  border: 1px solid var(--navy-100);
  border-radius: 0.75rem;
}
.trust-tile-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 0.5rem;
  background: #fff;
  color: var(--navy-900);
}
.trust-tile-label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy-900);
}

/* ----------  Section header ---------- */
.section-header { max-width: 48rem; }
.section-header.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-header .h-section { margin-top: 0.75rem; }
.section-header .lede { margin-top: 1rem; }

/* ----------  Product card ---------- */
.product-grid {
  display: grid;
  gap: 1.25rem;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .product-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .product-grid { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1280px) { .product-grid { grid-template-columns: repeat(5, 1fr); } }

.product-card {
  display: flex;
  flex-direction: column;
  padding: 1.5rem;
  border-radius: 1rem;
  border: 1px solid var(--navy-100);
  background: linear-gradient(135deg, rgba(240, 244, 250, 0.5), #fff);
  transition: transform 0.2s, box-shadow 0.2s;
}
.product-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 24px -8px rgba(10, 31, 61, 0.12);
}
.product-card.accent-gold {
  background: linear-gradient(135deg, #fbf7ec, #fff);
  border-color: rgba(224, 184, 90, 0.25);
}
.product-card.accent-blue {
  background: linear-gradient(135deg, rgba(26, 115, 232, 0.05), #fff);
  border-color: rgba(26, 115, 232, 0.15);
}
.product-card-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 0.75rem;
  background: var(--navy-950);
  color: var(--gold-400);
}
.product-card.accent-gold .product-card-icon {
  background: rgba(201, 169, 97, 0.15);
  color: var(--gold-700);
}
.product-card.accent-blue .product-card-icon {
  background: rgba(26, 115, 232, 0.12);
  color: var(--accent);
}
.product-card-title {
  margin: 1.25rem 0 0;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--navy-950);
}
.product-card-desc {
  margin: 0.5rem 0 0;
  font-size: 0.875rem;
  line-height: 1.6;
  color: var(--navy-700);
}
.product-card-list {
  margin: 1rem 0 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
}
.product-card-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.875rem;
  color: var(--navy-700);
}
.product-card-list li::before {
  content: "";
  display: inline-block;
  margin-top: 0.5rem;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold-500);
  flex-shrink: 0;
}
.product-card-link {
  margin-top: 1.5rem;
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy-900);
}
.product-card-link svg { transition: transform 0.15s; }
.product-card:hover .product-card-link { color: var(--accent); }
.product-card:hover .product-card-link svg { transform: translateX(2px); }

/* ----------  Feature card ---------- */
.feature-grid {
  display: grid;
  gap: 1rem;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .feature-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .feature-grid { grid-template-columns: repeat(3, 1fr); } }
.feature-grid.cols-4 { grid-template-columns: 1fr; }
@media (min-width: 640px) { .feature-grid.cols-4 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .feature-grid.cols-4 { grid-template-columns: repeat(4, 1fr); } }
.feature-grid.cols-2 { grid-template-columns: 1fr; }
@media (min-width: 640px) { .feature-grid.cols-2 { grid-template-columns: 1fr 1fr; } }

.feature-card { height: 100%; }
.feature-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 0.75rem;
  background: var(--navy-50);
  color: var(--navy-800);
}
.feature-title {
  margin: 1rem 0 0;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 700;
  font-size: 1.125rem;
  color: var(--navy-950);
}
.feature-desc {
  margin: 0.4rem 0 0;
  font-size: 0.875rem;
  line-height: 1.6;
  color: var(--navy-700);
}

/* ----------  Compliance banner ---------- */
.compliance-banner {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  padding: 1rem 1.25rem;
  border-radius: 1rem;
  background: rgba(240, 244, 250, 0.6);
  border: 1px solid var(--navy-100);
  color: var(--navy-800);
}
@media (min-width: 640px) {
  .compliance-banner { flex-direction: row; align-items: center; gap: 1.25rem; }
}
.compliance-banner-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 0.75rem;
  background: #fff;
  color: var(--navy-900);
  flex-shrink: 0;
}
.compliance-banner-text {
  font-size: 0.875rem;
  line-height: 1.6;
}
.compliance-banner strong { color: var(--navy-950); }

/* ----------  Process list ---------- */
.process-grid {
  margin-top: 2.5rem;
  display: grid;
  gap: 1.25rem;
  grid-template-columns: 1fr;
  padding: 0;
  list-style: none;
}
@media (min-width: 640px) { .process-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .process-grid { grid-template-columns: repeat(4, 1fr); } }
.process-card .step {
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  font-size: 1.875rem;
  color: var(--gold-500);
}
.process-card-title {
  margin: 0.75rem 0 0;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--navy-950);
}
.process-card-desc {
  margin: 0.35rem 0 0;
  font-size: 0.875rem;
  color: var(--navy-700);
  line-height: 1.6;
}

/* ----------  CTA section ---------- */
.cta {
  position: relative;
  overflow: hidden;
  padding: 3rem 1.5rem;
  border-radius: 1.5rem;
  background: linear-gradient(135deg, #1f0a0d 0%, #2d1216 45%, #4a2326 100%);
}
@media (min-width: 640px) { .cta { padding: 4rem 3rem; } }
.cta::before, .cta::after {
  content: "";
  position: absolute;
  width: 18rem;
  height: 18rem;
  border-radius: 9999px;
  filter: blur(80px);
}
.cta::before { top: -6rem; right: -6rem; background: rgba(225, 58, 68, 0.22); }
.cta::after { bottom: -6rem; left: -6rem; background: rgba(150, 39, 45, 0.25); }
.cta-inner {
  position: relative;
  display: grid;
  align-items: center;
  gap: 2rem;
}
@media (min-width: 1024px) { .cta-inner { grid-template-columns: 1.4fr 1fr; } }
.cta-eyebrow { color: var(--gold-300); }
.cta-title {
  margin: 0.75rem 0 0;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  line-height: 1.15;
  color: #fff;
}
.cta-desc {
  margin: 1rem 0 0;
  max-width: 32rem;
  font-size: 1rem;
  color: var(--navy-100);
}
.cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}
@media (min-width: 1024px) { .cta-actions { justify-content: flex-end; } }

/* ----------  Two-col layout helpers ---------- */
.two-col {
  display: grid;
  gap: 2.5rem;
}
@media (min-width: 1024px) { .two-col { grid-template-columns: 1.2fr 1fr; } }
.two-col.balanced {
  grid-template-columns: 1fr;
}
@media (min-width: 1024px) { .two-col.balanced { grid-template-columns: 1fr 1fr; } }
.sticky-right { align-self: start; }
@media (min-width: 1024px) {
  .sticky-right { position: sticky; top: 96px; }
}

/* ----------  Use case / docs grid ---------- */
.bullet-list {
  margin: 2rem 0 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}
.bullet-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  color: var(--navy-800);
}
.bullet-check {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  border-radius: 9999px;
  background: rgba(201, 169, 97, 0.15);
  color: var(--gold-700);
  margin-top: 0.2rem;
  flex-shrink: 0;
}
.bullet-list li span:last-child { font-size: 0.9rem; line-height: 1.6; }

.doc-grid {
  margin-top: 2rem;
  display: grid;
  gap: 0.75rem;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .doc-grid { grid-template-columns: 1fr 1fr; } }
.doc-card { padding: 1.25rem; }
.doc-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 0.5rem;
  background: var(--navy-900);
  color: var(--gold-400);
}
.doc-title {
  margin: 0.75rem 0 0;
  font-weight: 700;
  color: var(--navy-950);
}
.doc-desc { margin: 0.25rem 0 0; font-size: 0.875rem; color: var(--navy-700); }

/* ----------  Form ---------- */
.form-card {
  background: #fff;
  border: 1px solid var(--navy-100);
  border-radius: 1.5rem;
  box-shadow: 0 2px 14px -4px rgba(10, 31, 61, 0.1);
  padding: 1.5rem;
}
@media (min-width: 640px) { .form-card { padding: 2rem; } }
.form-card h3 {
  margin: 0;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 700;
  font-size: 1.375rem;
  color: var(--navy-950);
}
.form-card p { margin: 0.25rem 0 0; font-size: 0.9rem; color: var(--navy-700); }
.form-grid {
  margin-top: 1.5rem;
  display: grid;
  gap: 1rem;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .form-grid { grid-template-columns: 1fr 1fr; } }
.form-grid .span-2 { grid-column: 1 / -1; }
.form-disclaimer {
  margin-top: 1.25rem;
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
  font-size: 0.75rem;
  color: var(--navy-600);
}
.form-success {
  background: #fff;
  border: 1px solid var(--navy-100);
  border-radius: 1.5rem;
  padding: 2rem;
  box-shadow: 0 2px 14px -4px rgba(10, 31, 61, 0.1);
}
.form-success-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 9999px;
  background: rgba(16, 185, 129, 0.12);
  color: #059669;
}

/* ----------  Footer ---------- */
.footer {
  background: #1f0a0d;
  color: #efe2e3;
}
.footer-inner { padding: 56px 0; }
.footer-grid {
  display: grid;
  gap: 2.5rem;
}
@media (min-width: 1024px) { .footer-grid { grid-template-columns: 4fr 8fr; } }
.footer-brand .nav-brand-name { color: #fff; }
.footer-brand .nav-brand-name span { color: var(--gold-400); }
.footer-brand .nav-brand-tag { color: var(--navy-300); }
.footer-brand .nav-logo { background: rgba(255, 255, 255, 0.05); }
.footer-tagline {
  margin: 1.25rem 0 0;
  font-size: 0.875rem;
  line-height: 1.7;
  color: var(--navy-300);
}
.footer-badge {
  margin-top: 1.25rem;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 0.75rem;
  border: 1px solid rgba(201, 169, 97, 0.3);
  background: rgba(201, 169, 97, 0.1);
  color: var(--gold-300);
  border-radius: 9999px;
  font-size: 0.7rem;
  font-weight: 700;
}
.footer-cols {
  display: grid;
  gap: 2rem;
  grid-template-columns: 1fr 1fr;
}
@media (min-width: 640px) { .footer-cols { grid-template-columns: repeat(3, 1fr); } }
.footer-col-title {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.18em;
  color: var(--gold-300);
}
.footer-col ul {
  margin: 1rem 0 0;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
}
.footer-col a {
  font-size: 0.875rem;
  color: var(--navy-200);
  transition: color 0.15s;
}
.footer-col a:hover { color: #fff; }

.footer-meta {
  margin-top: 3rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: grid;
  gap: 1rem;
  font-size: 0.75rem;
  color: var(--navy-300);
}
@media (min-width: 640px) { .footer-meta { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .footer-meta { grid-template-columns: repeat(3, 1fr); } }
.footer-meta-title { font-weight: 600; color: rgba(255, 255, 255, 0.9); }
.footer-meta p { margin: 0.25rem 0 0; line-height: 1.6; }

.footer-base {
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  font-size: 0.75rem;
  color: var(--navy-400, #88a8cf);
}
@media (min-width: 640px) { .footer-base { flex-direction: row; justify-content: space-between; align-items: center; } }

/* ----------  Sticky apply button (mobile) ---------- */
.sticky-apply {
  position: fixed;
  bottom: 20px;
  right: 20px;
  z-index: 40;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem 1.25rem;
  background: var(--gold-500);
  color: #ffffff;
  font-size: 0.875rem;
  font-weight: 600;
  border-radius: 9999px;
  box-shadow: 0 8px 28px -8px rgba(225, 58, 68, 0.50);
  transition: transform 0.15s, background 0.15s;
}
.sticky-apply:hover { background: var(--gold-600); transform: scale(1.02); }
@media (min-width: 1024px) { .sticky-apply { display: none; } }

/* ----------  Compliance page sidebar ---------- */
.compliance-layout {
  display: grid;
  gap: 2.5rem;
  grid-template-columns: 1fr;
}
@media (min-width: 1024px) {
  .compliance-layout { grid-template-columns: 260px 1fr; }
}
.compliance-side {
  border-radius: 1rem;
  border: 1px solid var(--navy-100);
  background: rgba(240, 244, 250, 0.4);
  padding: 1.25rem;
}
@media (min-width: 1024px) {
  .compliance-side { position: sticky; top: 96px; align-self: start; }
}
.compliance-side-title {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--navy-500);
}
.compliance-side nav {
  margin-top: 0.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}
.compliance-side a {
  display: block;
  padding: 0.4rem 0.65rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy-800);
  border-radius: 0.5rem;
}
.compliance-side a:hover { background: #fff; color: var(--navy-950); }
.compliance-article {
  scroll-margin-top: 96px;
}
.compliance-article + .compliance-article { margin-top: 2.5rem; }
.compliance-article-head {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
}
.compliance-article-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 0.75rem;
  background: var(--navy-900);
  color: var(--gold-400);
  flex-shrink: 0;
}
.compliance-article h2 {
  margin: 0;
  font-family: "Plus Jakarta Sans", sans-serif;
  font-weight: 800;
  font-size: clamp(1.5rem, 3vw, 1.875rem);
  color: var(--navy-950);
}
.compliance-article p {
  margin: 1rem 0 0;
  font-size: 0.95rem;
  line-height: 1.7;
  color: var(--navy-700);
}
.compliance-callout {
  margin-top: 1.25rem;
  padding: 1.25rem;
  border-radius: 1rem;
  background: rgba(240, 244, 250, 0.5);
  border: 1px solid var(--navy-100);
  font-size: 0.875rem;
  color: var(--navy-800);
}
.compliance-callout strong { color: var(--navy-950); }

/* ----------  Utility ---------- */
.bg-soft { background: rgba(240, 244, 250, 0.4); }
.bg-white { background: #fff; }
.text-center { text-align: center; }
.mt-2 { margin-top: 0.5rem; }
.mt-4 { margin-top: 1rem; }
.mt-6 { margin-top: 1.5rem; }
.mt-8 { margin-top: 2rem; }
.mt-10 { margin-top: 2.5rem; }
.mt-12 { margin-top: 3rem; }