/* ==========================================================================
   Shri Masun Financial Services — Global Stylesheet
   ========================================================================== */

/* ---------- Design tokens ---------- */
:root {
  /* Brand — pulled from the logo */
  --navy-900: #0d1633;
  --navy-800: #14204a;
  --navy-700: #1b2a5e;
  --navy-600: #263a7d;
  --navy-500: #3a52a3;

  --amber-500: #f5a623;
  --amber-400: #ffb627;
  --amber-300: #ffc72c;
  --ember-600: #ef7c1a;
  --crimson: #c1121f;

  --ink: #101828;
  --body: #4a5568;
  --muted: #6b7794;
  --line: #e6e9f0;
  --surface: #ffffff;
  --surface-2: #f7f8fc;
  --surface-3: #eef1f8;

  --gold-grad: linear-gradient(135deg, var(--ember-600) 0%, var(--amber-400) 55%, var(--amber-300) 100%);
  --navy-grad: linear-gradient(150deg, var(--navy-900) 0%, var(--navy-700) 55%, var(--navy-600) 100%);

  --shadow-sm: 0 1px 2px rgba(16, 24, 40, .06), 0 1px 3px rgba(16, 24, 40, .08);
  --shadow-md: 0 8px 24px -8px rgba(16, 24, 40, .14);
  --shadow-lg: 0 24px 60px -18px rgba(13, 22, 51, .28);
  --shadow-gold: 0 16px 34px -12px rgba(239, 124, 26, .55);

  --r-sm: 10px;
  --r-md: 16px;
  --r-lg: 24px;
  --r-xl: 32px;
  --r-pill: 999px;

  --wrap: 1200px;
  --gut: clamp(20px, 5vw, 40px);
  --header-h: 84px;
  --topbar-h: 38px;

  --ease: cubic-bezier(.22, 1, .36, 1);

  --font-display: "Sora", "Segoe UI", system-ui, -apple-system, sans-serif;
  --font-body: "Inter", "Segoe UI", system-ui, -apple-system, sans-serif;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + var(--topbar-h) + 20px); }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.7;
  color: var(--body);
  background: var(--surface);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  color: var(--ink);
  line-height: 1.15;
  letter-spacing: -.02em;
  margin: 0 0 .5em;
  font-weight: 700;
}
h1 { font-size: clamp(2.3rem, 5.2vw, 4rem); }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.9rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.45rem); }
p { margin: 0 0 1.1em; }
ul { margin: 0; padding: 0; list-style: none; }
:focus-visible { outline: 3px solid var(--amber-400); outline-offset: 3px; border-radius: 4px; }

/* ---------- Layout helpers ---------- */
.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: var(--gut); }
.section { padding: clamp(64px, 9vw, 118px) 0; }
.section--tight { padding: clamp(48px, 6vw, 80px) 0; }
.section--alt { background: var(--surface-2); }
.section--ink { background: var(--navy-900); color: #c9d2ea; }
.section--ink h2, .section--ink h3 { color: #fff; }

.grid { display: grid; gap: clamp(20px, 2.6vw, 32px); }
.g-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.g-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.g-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.center { text-align: center; }
.narrow { max-width: 760px; margin-inline: auto; }

/* ---------- Eyebrow / headings ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-display);
  font-size: .74rem; font-weight: 700;
  letter-spacing: .18em; text-transform: uppercase;
  color: var(--ember-600);
  margin-bottom: 16px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold-grad); border-radius: 2px; }
.section--ink .eyebrow { color: var(--amber-300); }
.lede { font-size: clamp(1.02rem, 1.5vw, 1.16rem); color: var(--muted); }
.section--ink .lede { color: #9fadd0; }
.grad-text { background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* ---------- Buttons ---------- */
.btn {
  --btn-bg: var(--navy-700);
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 28px;
  border: 1px solid transparent;
  border-radius: var(--r-pill);
  background: var(--btn-bg);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 600; font-size: .95rem;
  letter-spacing: .01em;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), background .3s, color .3s, border-color .3s;
  will-change: transform;
}
.btn:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.btn svg { width: 17px; height: 17px; transition: transform .35s var(--ease); }
.btn:hover svg { transform: translateX(4px); }

.btn--gold { background: var(--gold-grad); color: var(--navy-900); box-shadow: var(--shadow-gold); }
.btn--gold:hover { box-shadow: 0 22px 42px -14px rgba(239, 124, 26, .7); }
.btn--ghost { background: transparent; color: var(--navy-700); border-color: var(--line); }
.btn--ghost:hover { border-color: var(--navy-700); background: var(--navy-700); color: #fff; }
.btn--light { background: rgba(255, 255, 255, .1); color: #fff; border-color: rgba(255, 255, 255, .28); backdrop-filter: blur(8px); }
.btn--light:hover { background: #fff; color: var(--navy-900); }
.btn--sm { padding: 11px 22px; font-size: .88rem; }
.btn--block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 90;
  background: rgba(255, 255, 255, .78);
  backdrop-filter: blur(18px) saturate(180%);
  -webkit-backdrop-filter: blur(18px) saturate(180%);
  border-bottom: 1px solid transparent;
  transition: box-shadow .3s, border-color .3s, background .3s;
}
.site-header.is-stuck { box-shadow: 0 6px 28px -14px rgba(13, 22, 51, .3); border-bottom-color: var(--line); background: rgba(255, 255, 255, .92); }
.header-inner { display: flex; align-items: center; gap: 24px; height: var(--header-h); }

/* Slim disclosure strip above the main nav */
.topbar {
  background: var(--navy-900);
  border-bottom: 1px solid rgba(255, 255, 255, .08);
}
.topbar-inner {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  height: var(--topbar-h);
}
.topbar-note {
  margin: 0; font-size: .74rem; color: #8fa0c8; white-space: nowrap;
  overflow: hidden; text-overflow: ellipsis;
}
.topbar-links { display: flex; align-items: center; gap: 4px; }
.topbar-links a {
  position: relative; padding: 4px 11px; border-radius: var(--r-pill);
  font-size: .74rem; font-weight: 500; color: #b9c5e2; white-space: nowrap;
  transition: color .25s, background .25s;
}
.topbar-links a + a::before {
  content: ""; position: absolute; left: -3px; top: 50%;
  width: 1px; height: 11px; transform: translateY(-50%);
  background: rgba(255, 255, 255, .16);
}
.topbar-links a:hover { color: var(--amber-300); background: rgba(255, 255, 255, .06); }
.topbar-links a:hover::before { background: transparent; }
.brand { display: flex; align-items: center; flex-shrink: 0; }
.brand img { height: 46px; width: auto; }

.nav { margin-left: auto; }
.nav ul { display: flex; align-items: center; gap: 4px; }
.nav a {
  position: relative; display: block;
  padding: 10px 16px; border-radius: var(--r-pill);
  font-family: var(--font-display); font-size: .94rem; font-weight: 600;
  color: var(--navy-800);
  transition: color .25s, background .25s;
}
.nav a::after {
  content: ""; position: absolute; left: 50%; bottom: 4px;
  width: 0; height: 2px; border-radius: 2px; background: var(--gold-grad);
  transform: translateX(-50%); transition: width .35s var(--ease);
}
.nav a:hover { color: var(--ember-600); }
.nav a:hover::after, .nav a[aria-current="page"]::after { width: 22px; }
.nav a[aria-current="page"] { color: var(--ember-600); }
.header-cta { flex-shrink: 0; }

.burger {
  display: none; width: 46px; height: 46px; flex-shrink: 0;
  border: 1px solid var(--line); border-radius: 13px;
  background: #fff; padding: 0;
  /* Flex column with an explicit gap: bar centres sit exactly 7px apart, which is
     what the open-state translateY below relies on to form a clean X. */
  flex-direction: column; align-items: center; justify-content: center; gap: 5px;
}
.burger span { display: block; width: 20px; height: 2px; border-radius: 2px; background: var(--navy-800); transition: transform .35s var(--ease), opacity .2s; }
.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
  position: fixed; inset: calc(var(--header-h) + var(--topbar-h)) 0 0; z-index: 89;
  background: #fff; padding: 28px var(--gut) 40px;
  overflow-y: auto;
  transform: translateY(-12px); opacity: 0; pointer-events: none;
  transition: opacity .3s var(--ease), transform .3s var(--ease);
}
.mobile-nav.is-open { opacity: 1; transform: none; pointer-events: auto; }
.mobile-nav a.m-link {
  display: flex; align-items: center; justify-content: space-between;
  padding: 17px 4px; border-bottom: 1px solid var(--line);
  font-family: var(--font-display); font-size: 1.15rem; font-weight: 600; color: var(--navy-800);
}
.mobile-nav a.m-link span { color: var(--amber-500); }
.mobile-nav .btn { margin-top: 26px; }
.mobile-nav .m-heading {
  margin: 26px 0 4px; font-family: var(--font-display);
  font-size: .72rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--muted);
}
.mobile-nav a.m-sub {
  display: block; padding: 11px 4px; border-bottom: 1px solid var(--line);
  font-size: .92rem; font-weight: 500; color: var(--body);
}
.mobile-nav a.m-sub:hover { color: var(--ember-600); }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: var(--navy-grad); color: #c9d2ea; }
.hero::before {
  content: ""; position: absolute; inset: -30% -10% auto -10%; height: 120%;
  background:
    radial-gradient(46% 42% at 78% 18%, rgba(245, 166, 35, .30) 0%, transparent 62%),
    radial-gradient(40% 40% at 12% 78%, rgba(58, 82, 163, .55) 0%, transparent 65%);
  pointer-events: none;
}
.hero::after {
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255, 255, 255, .045) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .045) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(70% 60% at 50% 40%, #000 20%, transparent 100%);
  -webkit-mask-image: radial-gradient(70% 60% at 50% 40%, #000 20%, transparent 100%);
  pointer-events: none;
}
.hero .wrap { position: relative; z-index: 2; }
.hero-grid {
  display: grid; grid-template-columns: 1.08fr .92fr; align-items: center;
  gap: clamp(32px, 5vw, 68px);
  padding: clamp(64px, 8vw, 112px) 0 clamp(72px, 9vw, 120px);
}
.hero h1 { color: #fff; }
.hero h1 em { font-style: normal; display: inline-block; }
.hero p.lede { color: #a9b7d9; max-width: 56ch; font-size: clamp(1.04rem, 1.5vw, 1.2rem); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }

.pill-badge {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 8px 8px 8px 14px; margin-bottom: 24px;
  border: 1px solid rgba(255, 255, 255, .18); border-radius: var(--r-pill);
  background: rgba(255, 255, 255, .07);
  font-size: .82rem; color: #d7e0f5;
}
.pill-badge b { font-family: var(--font-display); background: var(--gold-grad); color: var(--navy-900); padding: 3px 11px; border-radius: var(--r-pill); font-size: .74rem; letter-spacing: .04em; }

/* Hero stat card */
.hero-card {
  position: relative;
  border: 1px solid rgba(255, 255, 255, .14);
  border-radius: var(--r-xl);
  background: linear-gradient(160deg, rgba(255, 255, 255, .12), rgba(255, 255, 255, .03));
  backdrop-filter: blur(14px);
  padding: clamp(24px, 3vw, 36px);
  box-shadow: var(--shadow-lg);
}
.hero-card h3 { font-size: 1.05rem; color: #fff; margin-bottom: 22px; display: flex; align-items: center; gap: 10px; }
.hero-card h3::before { content: ""; width: 9px; height: 9px; border-radius: 50%; background: var(--amber-400); box-shadow: 0 0 0 5px rgba(255, 182, 39, .2); }
.stat-rows { display: grid; gap: 4px; }
.stat-row { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; padding: 14px 0; border-bottom: 1px dashed rgba(255, 255, 255, .13); }
.stat-row:last-child { border-bottom: 0; }
.stat-row dt { font-size: .88rem; color: #a9b7d9; }
.stat-row dd { margin: 0; font-family: var(--font-display); font-size: clamp(1.35rem, 2.4vw, 1.75rem); font-weight: 700; color: #fff; letter-spacing: -.02em; }
.stat-row dd small { font-size: .55em; font-weight: 600; color: var(--amber-300); margin-left: 3px; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { position: relative; overflow: hidden; background: var(--navy-grad); color: #a9b7d9; padding: clamp(56px, 7vw, 92px) 0 clamp(60px, 7vw, 96px); }
.page-hero::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(50% 60% at 85% 10%, rgba(245, 166, 35, .26) 0%, transparent 60%);
}
.page-hero .wrap { position: relative; z-index: 2; }
.page-hero h1 { color: #fff; margin-bottom: 18px; }
.page-hero .lede { color: #a9b7d9; max-width: 62ch; }
.crumbs { display: flex; align-items: center; gap: 9px; font-size: .84rem; color: #8fa0c8; margin-bottom: 20px; }
.crumbs a:hover { color: var(--amber-300); }
.crumbs span { opacity: .5; }

/* ---------- Trust strip ---------- */
.trust {
  position: relative; z-index: 5; margin-top: -46px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
  display: grid; grid-template-columns: repeat(4, 1fr);
  overflow: hidden;
}
.trust > div { padding: 28px 26px; border-right: 1px solid var(--line); }
.trust > div:last-child { border-right: 0; }
.trust b { display: block; font-family: var(--font-display); font-size: clamp(1.4rem, 2.4vw, 1.9rem); color: var(--navy-800); letter-spacing: -.02em; }
.trust b i { font-style: normal; background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.trust span { font-size: .84rem; color: var(--muted); }

/* ---------- Cards ---------- */
.card {
  position: relative;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  padding: clamp(24px, 2.6vw, 34px);
  transition: transform .45s var(--ease), box-shadow .45s var(--ease), border-color .45s;
  overflow: hidden;
}
.card::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 3px;
  background: var(--gold-grad); transform: scaleX(0); transform-origin: left;
  transition: transform .5s var(--ease);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.card:hover::before { transform: scaleX(1); }
.card h3 { margin-bottom: .45em; }
.card p:last-child { margin-bottom: 0; }

.icon-badge {
  display: grid; place-items: center;
  width: 56px; height: 56px; margin-bottom: 22px;
  border-radius: 16px;
  background: linear-gradient(160deg, rgba(245, 166, 35, .16), rgba(245, 166, 35, .04));
  color: var(--ember-600);
  border: 1px solid rgba(245, 166, 35, .22);
}
.icon-badge svg { width: 26px; height: 26px; }

/* Benefit (large, split) */
.benefit {
  display: grid; grid-template-columns: 64px 1fr; gap: 22px; align-items: start;
  padding: clamp(26px, 3vw, 38px);
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg);
  transition: transform .45s var(--ease), box-shadow .45s var(--ease);
}
.benefit:hover { transform: translateY(-5px); box-shadow: var(--shadow-lg); }
.benefit .num {
  font-family: var(--font-display); font-size: 1.5rem; font-weight: 700;
  width: 64px; height: 64px; display: grid; place-items: center;
  border-radius: 18px; background: var(--navy-grad); color: #fff;
}
.benefit ul { margin-top: 14px; display: grid; gap: 9px; }
.benefit li { position: relative; padding-left: 26px; font-size: .95rem; }
.benefit li::before {
  content: ""; position: absolute; left: 0; top: .55em;
  width: 8px; height: 8px; border-radius: 50%; background: var(--gold-grad);
}

/* ---------- Media / image cards ---------- */
/* Flex column so .body absorbs the leftover height when grid rows stretch to
   equal height — otherwise the card background shows below the white body. */
.media-card { position: relative; display: flex; flex-direction: column; border-radius: var(--r-lg); overflow: hidden; border: 1px solid var(--line); background: #fff; }
.media-card .ph { position: relative; aspect-ratio: 4 / 3; overflow: hidden; flex-shrink: 0; background: var(--navy-grad); }
.media-card .ph img { width: 100%; height: 100%; object-fit: cover; transition: transform .8s var(--ease); }
.media-card:hover .ph img { transform: scale(1.07); }
.media-card .body { flex: 1; background: #fff; padding: clamp(22px, 2.4vw, 30px); }
.tag {
  position: absolute; top: 16px; left: 16px; z-index: 2;
  padding: 6px 14px; border-radius: var(--r-pill);
  background: rgba(13, 22, 51, .78); backdrop-filter: blur(6px);
  color: #fff; font-family: var(--font-display); font-size: .7rem; font-weight: 600;
  letter-spacing: .1em; text-transform: uppercase;
}

/* ---------- Split image block ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 64px); align-items: center; }
.split-media { position: relative; }
.split-media img { border-radius: var(--r-xl); box-shadow: var(--shadow-lg); aspect-ratio: 4/3.4; object-fit: cover; width: 100%; }
.split-media::after {
  content: ""; position: absolute; inset: auto -18px -18px auto; width: 62%; height: 62%;
  border: 2px solid rgba(245, 166, 35, .5); border-radius: var(--r-xl); z-index: -1;
}
.float-stat {
  position: absolute; left: -20px; bottom: 28px;
  background: #fff; border-radius: var(--r-md); box-shadow: var(--shadow-lg);
  padding: 18px 24px; border: 1px solid var(--line);
}
.float-stat b { display: block; font-family: var(--font-display); font-size: 1.7rem; color: var(--navy-800); line-height: 1; }
.float-stat span { font-size: .8rem; color: var(--muted); }

/* ---------- Marquee (AMC logos / names) ---------- */
.marquee { overflow: hidden; -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent); }
.marquee-track { display: flex; gap: 14px; width: max-content; animation: slide 46s linear infinite; }
.marquee:hover .marquee-track { animation-play-state: paused; }
.marquee-track .chip { flex-shrink: 0; }
@keyframes slide { to { transform: translateX(-50%); } }
.chip {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 11px 20px; border-radius: var(--r-pill);
  border: 1px solid var(--line); background: #fff;
  font-family: var(--font-display); font-size: .88rem; font-weight: 600; color: var(--navy-800);
  white-space: nowrap;
}
.section--ink .chip { background: rgba(255, 255, 255, .06); border-color: rgba(255, 255, 255, .14); color: #dfe6f7; }
.chip::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--gold-grad); flex-shrink: 0; }

/* ---------- Filter bar ---------- */
.filter-bar { display: flex; flex-wrap: wrap; gap: 10px; justify-content: center; margin-bottom: 44px; }
.filter-bar button {
  padding: 11px 24px; border-radius: var(--r-pill);
  border: 1px solid var(--line); background: #fff; color: var(--navy-800);
  font-family: var(--font-display); font-size: .9rem; font-weight: 600;
  transition: all .3s var(--ease);
}
.filter-bar button:hover { border-color: var(--amber-400); color: var(--ember-600); transform: translateY(-2px); }
.filter-bar button[aria-pressed="true"] { background: var(--navy-grad); border-color: transparent; color: #fff; box-shadow: var(--shadow-md); }
.is-hidden { display: none !important; }

/* ---------- Person card ---------- */
.person { text-align: left; }
.person .ph { aspect-ratio: 1 / 1; }
.person .avatar {
  width: 100%; height: 100%; display: grid; place-items: center;
  background: var(--navy-grad); position: relative; overflow: hidden;
}
.person .avatar::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(50% 50% at 70% 25%, rgba(245, 166, 35, .35), transparent 70%);
}
.person .avatar span {
  position: relative; z-index: 2;
  font-family: var(--font-display); font-size: clamp(3rem, 6vw, 4.4rem); font-weight: 700;
  background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent;
  letter-spacing: -.03em;
}
.role { font-family: var(--font-display); font-size: .82rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--ember-600); margin-bottom: 6px; }
.exp-list { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }
.exp-list li {
  padding: 6px 13px; border-radius: var(--r-pill);
  background: var(--surface-3); color: var(--navy-700);
  font-size: .78rem; font-weight: 500;
}

/* ---------- Accordion ---------- */
.acc { border: 1px solid var(--line); border-radius: var(--r-md); background: #fff; overflow: hidden; }
.acc + .acc { margin-top: 12px; }
.acc summary {
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 20px 24px; cursor: pointer; list-style: none;
  font-family: var(--font-display); font-weight: 600; color: var(--navy-800);
}
.acc summary::-webkit-details-marker { display: none; }
.acc summary::after { content: "+"; font-size: 1.5rem; color: var(--ember-600); line-height: 1; transition: transform .3s var(--ease); }
.acc[open] summary::after { transform: rotate(45deg); }
.acc .acc-body { padding: 0 24px 22px; font-size: .96rem; }

/* ---------- CTA band ---------- */
.cta-band { position: relative; overflow: hidden; background: var(--navy-grad); border-radius: var(--r-xl); padding: clamp(40px, 6vw, 76px) clamp(28px, 5vw, 68px); color: #a9b7d9; text-align: center; }
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(45% 70% at 20% 0%, rgba(245, 166, 35, .32), transparent 60%),
              radial-gradient(45% 70% at 85% 100%, rgba(58, 82, 163, .6), transparent 60%);
}
.cta-band > * { position: relative; z-index: 2; }
.cta-band h2 { color: #fff; }
.cta-band .lede { color: #a9b7d9; max-width: 62ch; margin-inline: auto; }
.cta-actions { display: flex; flex-wrap: wrap; gap: 14px; justify-content: center; margin-top: 30px; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(28px, 4vw, 56px); align-items: start; }
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: clamp(26px, 3.4vw, 42px); box-shadow: var(--shadow-md); }
.field { margin-bottom: 20px; }
.field label { display: block; font-family: var(--font-display); font-size: .84rem; font-weight: 600; color: var(--navy-800); margin-bottom: 8px; }
.field label .req { color: var(--crimson); }
.field input, .field textarea, .field select {
  width: 100%; padding: 14px 16px;
  font: inherit; font-size: .96rem; color: var(--ink);
  background: var(--surface-2);
  border: 1px solid var(--line); border-radius: var(--r-sm);
  transition: border-color .25s, background .25s, box-shadow .25s;
}
.field textarea { resize: vertical; min-height: 130px; }
.field input:focus, .field textarea:focus, .field select:focus {
  outline: none; background: #fff; border-color: var(--amber-400);
  box-shadow: 0 0 0 4px rgba(255, 182, 39, .16);
}
.field .err { display: none; margin-top: 6px; font-size: .82rem; color: var(--crimson); }
.field.has-error input, .field.has-error textarea { border-color: var(--crimson); background: #fff5f5; }
.field.has-error .err { display: block; }
.form-note { font-size: .82rem; color: var(--muted); margin-top: 14px; }
.form-status {
  display: none; margin-top: 18px; padding: 15px 18px; border-radius: var(--r-sm);
  background: #eefbf3; border: 1px solid #b7ebcb; color: #14663c; font-size: .92rem;
}
.form-status.is-visible { display: block; }

.info-list { display: grid; gap: 14px; }
.info-item {
  display: grid; grid-template-columns: 48px 1fr; gap: 16px; align-items: start;
  padding: 20px 22px; background: #fff; border: 1px solid var(--line); border-radius: var(--r-md);
  transition: transform .35s var(--ease), box-shadow .35s var(--ease);
}
.info-item:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.info-item .ico { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: linear-gradient(160deg, rgba(245, 166, 35, .16), rgba(245, 166, 35, .04)); color: var(--ember-600); border: 1px solid rgba(245, 166, 35, .22); }
.info-item .ico svg { width: 21px; height: 21px; }
.info-item h4 { margin: 0 0 3px; font-family: var(--font-display); font-size: .8rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); font-weight: 700; }
.info-item p { margin: 0; color: var(--navy-800); font-weight: 500; }
.info-item a:hover { color: var(--ember-600); }

.map-frame { border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; box-shadow: var(--shadow-md); line-height: 0; }
.map-frame iframe { width: 100%; height: 420px; border: 0; }

.socials { display: flex; gap: 10px; flex-wrap: wrap; }
.socials a {
  width: 46px; height: 46px; display: grid; place-items: center;
  border-radius: 14px; border: 1px solid var(--line); background: #fff; color: var(--navy-700);
  transition: all .3s var(--ease);
}
.socials a:hover { background: var(--navy-grad); color: #fff; border-color: transparent; transform: translateY(-3px); box-shadow: var(--shadow-md); }
.socials a svg { width: 19px; height: 19px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-900); color: #93a1c6; padding-top: clamp(56px, 7vw, 84px); position: relative; overflow: hidden; }
.site-footer::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 340px;
  background: radial-gradient(40% 100% at 12% 0%, rgba(245, 166, 35, .13), transparent 65%);
}
.site-footer .wrap { position: relative; z-index: 2; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.3fr; gap: clamp(26px, 4vw, 52px); padding-bottom: 48px; }
.footer-brand img { height: 74px; width: auto; margin-bottom: 18px; }
.footer-brand p { font-size: .92rem; max-width: 34ch; }
.site-footer h5 { font-family: var(--font-display); font-size: .8rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: #fff; margin: 0 0 18px; }
.site-footer li { margin-bottom: 11px; font-size: .93rem; }
.site-footer a { transition: color .25s, padding-left .25s; }
.site-footer li a:hover { color: var(--amber-300); padding-left: 5px; }
.footer-contact li { display: flex; gap: 11px; align-items: flex-start; }
.footer-contact svg { width: 16px; height: 16px; margin-top: 4px; color: var(--amber-400); flex-shrink: 0; }
.footer-legal { border-top: 1px solid rgba(255, 255, 255, .09); padding: 22px 0 30px; font-size: .82rem; }
.footer-legal .row { display: flex; flex-wrap: wrap; gap: 12px 26px; align-items: center; justify-content: space-between; }
.reg-line { display: flex; flex-wrap: wrap; gap: 8px 18px; margin-bottom: 16px; font-size: .8rem; color: #7f8db4; }
.reg-line b { color: #b9c5e2; font-weight: 600; }
.disclaimer { font-size: .74rem; line-height: 1.75; color: #6b789e; border-top: 1px solid rgba(255, 255, 255, .09); padding: 22px 0; }
.disclaimer b { color: #93a1c6; }

/* ---------- Footer legal links ---------- */
.legal-links { display: flex; flex-wrap: wrap; gap: 10px 26px; padding-bottom: 18px; }
.legal-links a {
  position: relative; font-size: .86rem; font-weight: 500; color: #b9c5e2;
}
.legal-links a::after {
  content: ""; position: absolute; left: 0; bottom: -3px; width: 0; height: 1px;
  background: var(--gold-grad); transition: width .3s var(--ease);
}
.legal-links a:hover { color: var(--amber-300); }
.legal-links a:hover::after { width: 100%; }

/* ---------- Disclosure tables ---------- */
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--r-md); }
.dtable {
  width: 100%; border-collapse: separate; border-spacing: 0;
  background: #fff; border: 1px solid var(--line); border-radius: var(--r-md);
  overflow: hidden; font-size: .95rem;
}
.dtable thead th {
  background: var(--navy-grad); color: #fff; text-align: left;
  font-family: var(--font-display); font-size: .78rem; font-weight: 700;
  letter-spacing: .12em; text-transform: uppercase;
  padding: 16px 22px;
}
.dtable thead th:last-child { text-align: right; }
.dtable th[scope="row"] {
  text-align: left; font-weight: 600; color: var(--navy-800);
  font-family: var(--font-body); padding: 15px 22px; width: 46%;
  border-top: 1px solid var(--line);
}
.dtable td { padding: 15px 22px; border-top: 1px solid var(--line); color: var(--body); }
.dtable tbody tr:first-child th, .dtable tbody tr:first-child td { border-top: 0; }
.dtable tbody tr:hover th[scope="row"], .dtable tbody tr:hover td { background: var(--surface-2); }
.dtable .grp th {
  text-align: left;
  background: var(--surface-3); color: var(--navy-700);
  font-family: var(--font-display); font-size: .76rem; font-weight: 700;
  letter-spacing: .13em; text-transform: uppercase;
  padding: 12px 22px; width: auto; border-top: 1px solid var(--line);
}
.dtable .grp:hover th { background: var(--surface-3); }
.dtable--split td { text-align: right; font-family: var(--font-display); font-weight: 600; color: var(--navy-800); white-space: nowrap; }

/* ---------- Notice block ---------- */
.notice {
  position: relative; background: #fff;
  border: 1px solid var(--line); border-left: 4px solid transparent;
  border-radius: var(--r-md); padding: clamp(24px, 3vw, 34px);
  box-shadow: var(--shadow-sm);
}
.notice::before {
  content: ""; position: absolute; left: -4px; top: -1px; bottom: -1px; width: 4px;
  background: var(--gold-grad); border-radius: 4px 0 0 4px;
}
.notice h3 { font-size: 1.05rem; margin-bottom: .7em; }
.notice p { font-size: .92rem; line-height: 1.85; color: var(--muted); }

/* ---------- Note list ---------- */
.notes { display: grid; gap: 12px; margin-top: 26px; }
.notes li { position: relative; padding-left: 28px; font-size: .92rem; color: var(--muted); line-height: 1.75; }
.notes li::before {
  content: "*"; position: absolute; left: 6px; top: .1em;
  color: var(--ember-600); font-weight: 700; font-size: 1.1rem;
}
.notes a { color: var(--navy-700); font-weight: 600; border-bottom: 1px solid rgba(245, 166, 35, .5); }
.notes a:hover { color: var(--ember-600); }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.is-in { opacity: 1; transform: none; }
.reveal[data-d="1"] { transition-delay: .09s; }
.reveal[data-d="2"] { transition-delay: .18s; }
.reveal[data-d="3"] { transition-delay: .27s; }
.reveal[data-d="4"] { transition-delay: .36s; }

/* ---------- Skip link ---------- */
.skip { position: absolute; left: -9999px; z-index: 999; padding: 12px 20px; background: var(--navy-900); color: #fff; border-radius: 0 0 10px 0; }
.skip:focus { left: 0; top: 0; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .g-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 1180px) {
  .topbar-note { display: none; }
  .topbar-inner { justify-content: flex-end; }
}
@media (max-width: 940px) {
  :root { --header-h: 74px; --topbar-h: 0px; }
  /* The disclosure links move into the mobile menu, keeping the sticky header compact. */
  .topbar { display: none; }
  .nav, .header-cta { display: none; }
  .burger { display: flex; margin-left: auto; }
  .hero-grid { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; }
  .split-media { order: -1; }
  .contact-grid { grid-template-columns: 1fr; }
  .g-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .trust { grid-template-columns: 1fr 1fr; margin-top: -34px; }
  .trust > div:nth-child(2n) { border-right: 0; }
  .trust > div:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .float-stat { left: 12px; }
}
@media (max-width: 620px) {
  body { font-size: 16px; }
  .g-2, .g-3, .g-4 { grid-template-columns: 1fr; }
  .trust { grid-template-columns: 1fr; }
  .trust > div { border-right: 0; border-bottom: 1px solid var(--line); }
  .trust > div:last-child { border-bottom: 0; }
  .brand img { height: 38px; }
  .footer-grid { grid-template-columns: 1fr; }
  .benefit { grid-template-columns: 1fr; }
  .btn { width: 100%; }
  .hero-actions .btn, .cta-actions .btn { width: 100%; }
  .filter-bar { justify-content: flex-start; overflow-x: auto; flex-wrap: nowrap; padding-bottom: 6px; }
  .filter-bar button { flex-shrink: 0; }
  .dtable { font-size: .88rem; }
  .dtable th[scope="row"], .dtable td, .dtable thead th, .dtable .grp th { padding: 12px 14px; }
  .dtable th[scope="row"] { width: 58%; }
  .legal-links { gap: 10px 18px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}

@media print {
  .site-header, .mobile-nav, .cta-band, .site-footer { display: none; }
}