/* ============================================================
   Ruease Finance — Design System
   ============================================================ */

:root {
  /* Brand palette: navy (trust/authority) + gold (premium/value) */
  --navy-950: #081627;
  --navy-900: #0b1f33;
  --navy-800: #102a45;
  --navy-700: #16395f;
  --navy-600: #1f4a78;
  --navy-500: #2c5d92;

  --gold-700: #8f6516;
  --gold-600: #a8791c;
  --gold-500: #c8962c;
  --gold-400: #dab15c;
  --gold-200: #ecd6a4;
  --gold-100: #f7ecd5;

  --emerald-600: #1f7a5c;
  --emerald-100: #e3f3ec;
  --red-600: #b3261e;
  --red-100: #fbe9e7;

  --ink-900: #16212e;
  --ink-700: #34404c;
  --slate-600: #5b6b7c;
  --slate-400: #93a1ad;
  --slate-300: #c3cdd6;
  --slate-200: #dde3e9;
  --slate-100: #eef1f5;
  --slate-50: #f6f8fa;
  --white: #ffffff;

  --font-serif: 'Sora', -apple-system, BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;

  --radius-sm: 4px;
  --radius-md: 6px;
  --radius-lg: 10px;

  --shadow-sm: 0 1px 2px rgba(8, 22, 39, 0.06);
  --shadow-md: 0 6px 20px rgba(8, 22, 39, 0.08);
  --shadow-lg: 0 16px 40px rgba(8, 22, 39, 0.14);

  --container: 1180px;
  --transition: 180ms ease;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body, h1, h2, h3, h4, p, figure, blockquote, dl, dd { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }
input, select, textarea { font: inherit; color: inherit; }

body {
  font-family: var(--font-sans);
  color: var(--ink-900);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: var(--font-serif);
  color: var(--navy-900);
  line-height: 1.25;
  font-weight: 600;
}

h1 { font-size: clamp(2.1rem, 1.4rem + 2.6vw, 3.4rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.7rem, 1.3rem + 1.4vw, 2.4rem); letter-spacing: -0.01em; }
h3 { font-size: 1.35rem; }
h4 { font-size: 1.1rem; }

p { color: var(--slate-600); }
strong { color: var(--ink-900); font-weight: 600; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

section { position: relative; }
.section { padding: 88px 0; }
.section-sm { padding: 56px 0; }
.section-alt { background: var(--slate-50); }
.section-navy { background: var(--navy-900); color: var(--slate-200); }
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy p { color: var(--slate-300); }

.section-head { max-width: 680px; margin-bottom: 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { margin-top: 14px; font-size: 1.05rem; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-sans);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-600);
  margin-bottom: 14px;
}
.eyebrow::before {
  content: '';
  width: 18px;
  height: 2px;
  background: var(--gold-500);
  display: inline-block;
}
.section-navy .eyebrow { color: var(--gold-400); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: var(--radius-md);
  font-weight: 700;
  font-size: 0.92rem;
  border: 1px solid transparent;
  transition: background var(--transition), color var(--transition), border-color var(--transition), transform var(--transition);
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--gold-500); color: var(--navy-950); }
.btn-primary:hover { background: var(--gold-600); }
.btn-navy { background: var(--navy-800); color: var(--white); }
.btn-navy:hover { background: var(--navy-700); }
.btn-outline { background: transparent; border-color: var(--slate-300); color: var(--navy-900); }
.btn-outline:hover { border-color: var(--navy-700); background: var(--slate-50); }
.btn-outline-light { background: transparent; border-color: rgba(255,255,255,0.35); color: var(--white); }
.btn-outline-light:hover { background: rgba(255,255,255,0.08); border-color: var(--white); }
.btn-block { width: 100%; }
.btn-lg { padding: 16px 32px; font-size: 1rem; }
.btn-sm { padding: 9px 18px; font-size: 0.85rem; }

/* ---------- Top utility bar ---------- */
.topbar {
  background: var(--navy-950);
  color: var(--slate-300);
  font-size: 0.82rem;
}
.topbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 9px;
  padding-bottom: 9px;
  gap: 16px;
}
.topbar-left { display: flex; gap: 22px; flex-wrap: wrap; }
.topbar-left a, .topbar-left span { display: inline-flex; align-items: center; gap: 7px; color: var(--slate-300); }
.topbar-left a:hover { color: var(--gold-400); }
.topbar-right { display: flex; gap: 18px; align-items: center; }
.topbar-right a { color: var(--slate-300); font-weight: 600; }
.topbar-right a:hover { color: var(--gold-400); }
.topbar-right .divider { color: var(--navy-700); }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--slate-200);
}
.site-header.is-scrolled { box-shadow: var(--shadow-md); }
.header-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  gap: 24px;
}

.brand { display: flex; align-items: center; gap: 11px; }
.brand-mark {
  width: 42px; height: 42px;
  border-radius: var(--radius-md);
  background: linear-gradient(155deg, var(--navy-800), var(--navy-950));
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.brand-mark svg { width: 24px; height: 24px; }
.brand-word { font-family: var(--font-serif); font-weight: 700; font-size: 1.32rem; color: var(--navy-900); line-height: 1.1; }
.brand-word span { color: var(--gold-600); }
.brand-sub { font-size: 0.62rem; letter-spacing: 0.18em; color: var(--slate-600); text-transform: uppercase; font-weight: 700; }

.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav > ul { display: flex; align-items: center; gap: 2px; }
.main-nav a.nav-link {
  display: flex; align-items: center; gap: 5px;
  padding: 10px 14px;
  font-weight: 600; font-size: 0.93rem;
  color: var(--ink-700);
  border-radius: var(--radius-sm);
}
.main-nav a.nav-link:hover, .main-nav a.nav-link.active { color: var(--navy-900); background: var(--slate-50); }
.has-dropdown { position: relative; }
.dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 240px;
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition);
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.dropdown a {
  display: flex; flex-direction: column; gap: 1px;
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  font-size: 0.9rem; font-weight: 600; color: var(--ink-700);
}
.dropdown a small { font-weight: 400; color: var(--slate-600); font-size: 0.78rem; }
.dropdown a:hover { background: var(--slate-50); color: var(--navy-900); }

.header-cta { display: flex; align-items: center; gap: 10px; }
.nav-toggle {
  display: none;
  width: 42px; height: 42px;
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-sm);
  background: var(--white);
  align-items: center; justify-content: center;
  flex-direction: column; gap: 4px;
}
.nav-toggle span { width: 20px; height: 2px; background: var(--navy-900); display: block; }

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(180deg, var(--navy-950) 0%, var(--navy-900) 55%, var(--navy-800) 100%);
  color: var(--white);
  padding: 76px 0 0;
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: center;
  padding-bottom: 64px;
}
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(200, 150, 44, 0.14);
  border: 1px solid rgba(200, 150, 44, 0.35);
  color: var(--gold-400);
  padding: 7px 14px;
  border-radius: 999px;
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.04em;
  margin-bottom: 22px;
}
.hero h1 { color: var(--white); margin-bottom: 18px; }
.hero h1 em { color: var(--gold-400); font-style: normal; }
.hero p.lead { color: var(--slate-300); font-size: 1.12rem; max-width: 520px; margin-bottom: 30px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 38px; }
.hero-meta { display: flex; gap: 28px; flex-wrap: wrap; }
.hero-meta div { display: flex; align-items: center; gap: 9px; font-size: 0.88rem; color: var(--slate-300); }
.hero-meta svg { width: 18px; height: 18px; color: var(--gold-400); flex-shrink: 0; }

.hero-panel {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 28px;
  color: var(--ink-900);
}
.hero-panel-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; }
.hero-panel-head h3 { font-size: 1.05rem; margin: 0; }
.hero-panel-head span { font-size: 0.78rem; color: var(--emerald-600); font-weight: 700; background: var(--emerald-100); padding: 4px 10px; border-radius: 999px; }
.hero-stat-row { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin-top: 18px; }
.hero-stat-box { border: 1px solid var(--slate-200); border-radius: var(--radius-md); padding: 14px; }
.hero-stat-box .num { font-family: var(--font-serif); font-size: 1.5rem; color: var(--navy-900); font-weight: 700; }
.hero-stat-box .label { font-size: 0.78rem; color: var(--slate-600); }

.hero-strip {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 22px 0;
}
.hero-strip .container { display: flex; align-items: center; gap: 32px; flex-wrap: wrap; justify-content: space-between; }
.hero-strip-label { font-size: 0.78rem; color: var(--slate-400); letter-spacing: 0.08em; text-transform: uppercase; font-weight: 700; }
.hero-strip-logos { display: flex; gap: 30px; flex-wrap: wrap; color: var(--slate-300); font-family: var(--font-serif); font-weight: 600; font-size: 1.02rem; opacity: 0.75; }

/* ---------- Page header (non-home hero) ---------- */
.page-header {
  background: linear-gradient(160deg, var(--navy-950), var(--navy-800));
  color: var(--white);
  padding: 56px 0 50px;
}
.breadcrumb { display: flex; gap: 8px; align-items: center; font-size: 0.85rem; color: var(--slate-400); margin-bottom: 16px; }
.breadcrumb a { color: var(--slate-300); font-weight: 600; }
.breadcrumb a:hover { color: var(--gold-400); }
.page-header h1 { color: var(--white); margin-bottom: 10px; max-width: 720px; }
.page-header p { color: var(--slate-300); max-width: 640px; font-size: 1.02rem; }

/* ---------- Trust badge strip ---------- */
.badge-strip { background: var(--white); border-bottom: 1px solid var(--slate-200); padding: 26px 0; }
.badge-strip .container { display: flex; flex-wrap: wrap; gap: 28px; align-items: center; justify-content: space-between; }
.badge-item { display: flex; align-items: center; gap: 10px; font-size: 0.86rem; font-weight: 700; color: var(--ink-700); }
.badge-item svg { width: 22px; height: 22px; color: var(--gold-600); flex-shrink: 0; }

/* ---------- Grids ---------- */
.grid { display: grid; gap: 26px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* ---------- Cards ---------- */
.card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 30px;
  transition: box-shadow var(--transition), border-color var(--transition), transform var(--transition);
}
.card:hover { box-shadow: var(--shadow-md); border-color: var(--slate-300); transform: translateY(-2px); }

.product-card { display: flex; flex-direction: column; gap: 14px; }
.product-card .icon-box {
  width: 52px; height: 52px;
  border-radius: var(--radius-md);
  background: var(--navy-900);
  display: flex; align-items: center; justify-content: center;
}
.product-card .icon-box svg { width: 26px; height: 26px; color: var(--gold-400); }
.product-card h3 { margin-top: 4px; }
.product-card .rate { font-size: 0.85rem; font-weight: 700; color: var(--emerald-600); }
.product-card ul { display: flex; flex-direction: column; gap: 7px; margin: 6px 0 4px; }
.product-card ul li { display: flex; align-items: flex-start; gap: 8px; font-size: 0.88rem; color: var(--slate-600); }
.product-card ul li svg { width: 15px; height: 15px; color: var(--gold-600); margin-top: 3px; flex-shrink: 0; }
.product-card .card-link { font-weight: 700; color: var(--navy-800); font-size: 0.9rem; display: inline-flex; align-items: center; gap: 6px; margin-top: auto; }
.product-card .card-link svg { width: 15px; height: 15px; transition: transform var(--transition); }
.product-card:hover .card-link svg { transform: translateX(3px); }

.feature-card { text-align: left; }
.feature-card .icon-box {
  width: 46px; height: 46px;
  border-radius: var(--radius-md);
  background: var(--gold-100);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.feature-card .icon-box svg { width: 24px; height: 24px; color: var(--gold-700); }

/* ---------- Steps / process ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; counter-reset: step; position: relative; }
.step { position: relative; padding: 0 18px; text-align: left; }
.step-num {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--navy-900);
  color: var(--gold-400);
  font-family: var(--font-serif);
  font-weight: 700; font-size: 1.1rem;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  position: relative; z-index: 2;
}
.steps .step:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 22px; left: 60px; right: -18px;
  height: 2px;
  background: var(--slate-200);
  z-index: 1;
}
.step h4 { margin-bottom: 6px; }
.step p { font-size: 0.9rem; }

/* ---------- Stats band ---------- */
.stats-band { background: var(--navy-950); color: var(--white); padding: 56px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat-item .num { font-family: var(--font-serif); font-size: clamp(1.8rem, 1.4rem + 1.2vw, 2.6rem); font-weight: 700; color: var(--gold-400); }
.stat-item .label { font-size: 0.88rem; color: var(--slate-300); margin-top: 6px; }

/* ---------- Testimonials ---------- */
.testimonial-card { background: var(--white); border: 1px solid var(--slate-200); border-radius: var(--radius-lg); padding: 28px; }
.testimonial-stars { display: flex; gap: 3px; color: var(--gold-500); margin-bottom: 14px; }
.testimonial-stars svg { width: 16px; height: 16px; }
.testimonial-card p.quote { color: var(--ink-700); font-size: 0.96rem; margin-bottom: 20px; }
.testimonial-person { display: flex; align-items: center; gap: 12px; }
.avatar-initial {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--navy-900); color: var(--gold-400);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-serif); font-weight: 700;
  flex-shrink: 0;
}
.testimonial-person .name { font-weight: 700; font-size: 0.92rem; color: var(--ink-900); }
.testimonial-person .role { font-size: 0.8rem; color: var(--slate-600); }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-950));
  border-radius: var(--radius-lg);
  padding: 48px;
  display: flex; align-items: center; justify-content: space-between; gap: 32px;
  flex-wrap: wrap;
  color: var(--white);
}
.cta-banner h2 { color: var(--white); margin-bottom: 8px; }
.cta-banner p { color: var(--slate-300); margin: 0; }
.cta-banner-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* ---------- Tables ---------- */
.rate-table { width: 100%; border-collapse: collapse; background: var(--white); border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--slate-200); }
.rate-table th, .rate-table td { padding: 14px 18px; text-align: left; font-size: 0.92rem; border-bottom: 1px solid var(--slate-200); }
.rate-table th { background: var(--navy-900); color: var(--white); font-family: var(--font-sans); font-weight: 700; font-size: 0.82rem; letter-spacing: 0.03em; text-transform: uppercase; }
.rate-table tr:last-child td { border-bottom: none; }
.rate-table tr:nth-child(even) td { background: var(--slate-50); }

/* ---------- FAQ accordion ---------- */
.accordion-item { border-bottom: 1px solid var(--slate-200); }
.accordion-trigger {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  padding: 20px 4px; background: none; border: none; text-align: left;
  font-weight: 700; font-size: 1rem; color: var(--ink-900);
}
.accordion-trigger svg { width: 18px; height: 18px; color: var(--gold-600); flex-shrink: 0; transition: transform var(--transition); }
.accordion-item.is-open .accordion-trigger svg { transform: rotate(45deg); }
.accordion-panel { max-height: 0; overflow: hidden; transition: max-height var(--transition); }
.accordion-panel-inner { padding: 0 4px 20px; }
.accordion-panel-inner p { font-size: 0.94rem; }

/* ---------- Forms ---------- */
.form-card { background: var(--white); border: 1px solid var(--slate-200); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow-sm); }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.form-group { display: flex; flex-direction: column; gap: 7px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-size: 0.86rem; font-weight: 700; color: var(--ink-700); }
.form-group label .req { color: var(--red-600); }
.form-group input, .form-group select, .form-group textarea {
  padding: 12px 14px;
  border: 1px solid var(--slate-300);
  border-radius: var(--radius-sm);
  background: var(--white);
  font-size: 0.94rem;
  color: var(--ink-900);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--navy-600); box-shadow: 0 0 0 3px rgba(31, 74, 120, 0.12);
}
.form-group textarea { resize: vertical; min-height: 110px; }
.form-group .hint { font-size: 0.78rem; color: var(--slate-600); }
.form-check { display: flex; align-items: flex-start; gap: 10px; font-size: 0.86rem; color: var(--slate-600); }
.form-check input { margin-top: 3px; }
.form-success {
  display: none;
  align-items: center; gap: 12px;
  background: var(--emerald-100); border: 1px solid #b6e0cb;
  color: var(--emerald-600); font-weight: 700;
  padding: 16px 18px; border-radius: var(--radius-md); margin-bottom: 20px;
}
.form-success svg { width: 20px; height: 20px; flex-shrink: 0; }

/* ---------- Calculator ---------- */
.calc-wrap { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 32px; }
.calc-card { background: var(--white); border: 1px solid var(--slate-200); border-radius: var(--radius-lg); padding: 32px; }
.calc-row { margin-bottom: 26px; }
.calc-row-head { display: flex; align-items: baseline; justify-content: space-between; margin-bottom: 10px; }
.calc-row-head label { font-weight: 700; font-size: 0.9rem; color: var(--ink-700); }
.calc-value { font-family: var(--font-serif); font-weight: 700; color: var(--navy-900); font-size: 1.05rem; }
input[type="range"] {
  width: 100%; height: 6px; border-radius: 999px;
  background: var(--slate-200);
  -webkit-appearance: none; appearance: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--navy-900); border: 3px solid var(--gold-400);
  cursor: pointer;
}
input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%;
  background: var(--navy-900); border: 3px solid var(--gold-400);
  cursor: pointer; border: none;
}
.calc-range-labels { display: flex; justify-content: space-between; font-size: 0.76rem; color: var(--slate-400); margin-top: 6px; }

.calc-result { background: var(--navy-950); color: var(--white); border-radius: var(--radius-lg); padding: 32px; display: flex; flex-direction: column; }
.calc-result h3 { color: var(--white); font-size: 1rem; text-transform: uppercase; letter-spacing: 0.06em; opacity: 0.7; margin-bottom: 6px; }
.calc-result .emi-amount { font-family: var(--font-serif); font-size: 2.6rem; font-weight: 700; color: var(--gold-400); margin-bottom: 22px; }
.calc-breakdown { display: flex; flex-direction: column; gap: 14px; border-top: 1px solid rgba(255,255,255,0.12); padding-top: 18px; margin-top: auto; }
.calc-breakdown-row { display: flex; justify-content: space-between; font-size: 0.92rem; }
.calc-breakdown-row span:first-child { color: var(--slate-300); }
.calc-breakdown-row span:last-child { font-weight: 700; }
.calc-bar { display: flex; height: 10px; border-radius: 999px; overflow: hidden; margin: 16px 0; }
.calc-bar .principal { background: var(--gold-500); }
.calc-bar .interest { background: var(--navy-600); }
.calc-legend { display: flex; gap: 18px; font-size: 0.78rem; color: var(--slate-300); }
.calc-legend span { display: flex; align-items: center; gap: 6px; }
.calc-legend i { width: 9px; height: 9px; border-radius: 50%; display: inline-block; }

/* ---------- About: timeline / team ---------- */
.timeline { display: flex; flex-direction: column; gap: 0; border-left: 2px solid var(--slate-200); margin-left: 10px; }
.timeline-item { position: relative; padding: 0 0 36px 32px; }
.timeline-item::before {
  content: ''; position: absolute; left: -7px; top: 2px;
  width: 12px; height: 12px; border-radius: 50%;
  background: var(--gold-500); border: 3px solid var(--white); box-shadow: 0 0 0 2px var(--slate-200);
}
.timeline-item .year { font-family: var(--font-serif); font-weight: 700; color: var(--navy-900); font-size: 1.1rem; }
.timeline-item:last-child { padding-bottom: 0; }

.team-card { text-align: center; }
.team-photo {
  width: 100%; aspect-ratio: 1; border-radius: var(--radius-lg);
  background: linear-gradient(155deg, var(--navy-700), var(--navy-950));
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px; overflow: hidden;
}
.team-photo span { font-family: var(--font-serif); font-size: 2.2rem; color: var(--gold-400); font-weight: 700; }
.team-card h4 { margin-bottom: 2px; }
.team-card .role { font-size: 0.84rem; color: var(--gold-600); font-weight: 700; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-950); color: var(--slate-400); padding: 64px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1.2fr; gap: 32px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.footer-brand .brand-word { color: var(--white); }
.footer-brand p { color: var(--slate-400); font-size: 0.88rem; margin: 16px 0 20px; max-width: 280px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a {
  width: 36px; height: 36px; border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.15);
  display: flex; align-items: center; justify-content: center;
}
.footer-social a:hover { background: var(--gold-500); border-color: var(--gold-500); }
.footer-social svg { width: 16px; height: 16px; color: var(--white); }
.footer-col h4 { color: var(--white); font-size: 0.85rem; letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 18px; font-family: var(--font-sans); }
.footer-col ul { display: flex; flex-direction: column; gap: 11px; }
.footer-col a { font-size: 0.9rem; color: var(--slate-400); }
.footer-col a:hover { color: var(--gold-400); }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; font-size: 0.9rem; margin-bottom: 4px; }
.footer-contact svg { width: 16px; height: 16px; color: var(--gold-500); margin-top: 3px; flex-shrink: 0; }
.footer-bottom { padding: 22px 0; display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; font-size: 0.82rem; }
.footer-legal-links { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-legal-links a { color: var(--slate-400); }
.footer-legal-links a:hover { color: var(--gold-400); }
.footer-disclaimer { padding: 22px 0; border-top: 1px solid rgba(255,255,255,0.08); font-size: 0.78rem; color: var(--slate-400); line-height: 1.7; }
.footer-disclaimer strong { color: var(--slate-300); }

/* ---------- Misc ---------- */
.grid-sidebar-left { grid-template-columns: 1fr 1.6fr; }
.grid-sidebar-right { grid-template-columns: 1.4fr 1fr; }
.table-responsive { width: 100%; overflow-x: auto; }

.divider-v { width: 1px; background: var(--slate-200); align-self: stretch; }
.tag { display: inline-flex; align-items: center; gap: 6px; background: var(--gold-100); color: var(--gold-700); font-size: 0.76rem; font-weight: 700; padding: 5px 11px; border-radius: 999px; text-transform: uppercase; letter-spacing: 0.04em; }
.tag-navy { background: var(--navy-900); color: var(--gold-400); }
.checklist { display: flex; flex-direction: column; gap: 12px; }
.checklist li { display: flex; align-items: flex-start; gap: 10px; font-size: 0.94rem; color: var(--ink-700); }
.checklist svg { width: 18px; height: 18px; color: var(--emerald-600); margin-top: 2px; flex-shrink: 0; }
.doc-list { display: flex; flex-direction: column; gap: 10px; }
.doc-list li { display: flex; align-items: center; gap: 10px; padding: 12px 14px; background: var(--slate-50); border-radius: var(--radius-sm); font-size: 0.9rem; font-weight: 600; }
.doc-list svg { width: 18px; height: 18px; color: var(--navy-700); flex-shrink: 0; }
.back-to-top {
  position: fixed; bottom: 28px; right: 28px; z-index: 90;
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--navy-900); color: var(--gold-400);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-lg); border: none;
  opacity: 0; visibility: hidden; transform: translateY(10px);
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition);
}
.back-to-top.is-visible { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top svg { width: 20px; height: 20px; }

.legal-content h2 { margin-top: 36px; margin-bottom: 12px; font-size: 1.3rem; }
.legal-content h2:first-child { margin-top: 0; }
.legal-content p, .legal-content li { color: var(--slate-600); font-size: 0.95rem; margin-bottom: 10px; }
.legal-content ul { padding-left: 20px; margin-bottom: 16px; }
.legal-content ul li { list-style: disc; }
.legal-content .updated { font-size: 0.85rem; color: var(--slate-400); margin-bottom: 30px; }

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-panel { max-width: 460px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: repeat(2, 1fr); gap: 30px; }
  .steps .step:not(:last-child)::after { display: none; }
  .calc-wrap { grid-template-columns: 1fr; }
}

@media (max-width: 860px) {
  .topbar-left span:nth-child(3) { display: none; }
  .main-nav { display: none; }
  .nav-toggle { display: flex; }
  .header-cta .btn-outline { display: none; }
  .grid-2, .grid-sidebar-left, .grid-sidebar-right { grid-template-columns: 1fr; }
}

@media (max-width: 640px) {
  .section { padding: 60px 0; }
  h1 { margin-bottom: 14px; }
  .grid-4, .grid-3 { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .form-grid { grid-template-columns: 1fr; }
  .cta-banner { padding: 32px; flex-direction: column; align-items: flex-start; }
  .topbar-left { gap: 14px; }
  .topbar-left span:nth-child(2) { display: none; }
  .hero-meta { gap: 16px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .hero-stat-row { grid-template-columns: 1fr 1fr; gap: 10px; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .header-row { gap: 8px; }
  .brand { gap: 8px; }
  .brand-mark { width: 36px; height: 36px; }
  .brand-mark svg { width: 20px; height: 20px; }
  .brand-word { font-size: 1.05rem; }
  .brand-sub { display: none; }
  .header-cta { gap: 6px; }
  .header-cta .btn-primary.btn-sm { padding: 8px 12px; font-size: 0.8rem; }
  .nav-toggle { width: 38px; height: 38px; }
  .hero-actions .btn, .cta-banner-actions .btn { width: 100%; }
  .hero-actions, .cta-banner-actions { flex-direction: column; }
  .badge-strip .container { justify-content: flex-start; }
}

/* ---------- Mobile nav drawer ---------- */
.mobile-nav {
  position: fixed; inset: 0;
  background: var(--navy-950);
  z-index: 200;
  padding: 24px;
  transform: translateX(100%);
  transition: transform 220ms ease;
  overflow-y: auto;
}
.mobile-nav.is-open { transform: translateX(0); }
.mobile-nav-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 30px; }
.mobile-nav-close { width: 40px; height: 40px; border-radius: var(--radius-sm); border: 1px solid rgba(255,255,255,0.2); background: none; color: var(--white); display: flex; align-items: center; justify-content: center; }
.mobile-nav ul { display: flex; flex-direction: column; }
.mobile-nav > ul > li { border-bottom: 1px solid rgba(255,255,255,0.1); }
.mobile-nav a { display: block; padding: 16px 4px; color: var(--white); font-weight: 700; font-size: 1.05rem; }
.mobile-nav .sub-list { padding-left: 14px; display: none; }
.mobile-nav .sub-list.is-open { display: block; }
.mobile-nav .sub-list a { font-size: 0.92rem; color: var(--slate-300); padding: 12px 4px; }
.mobile-nav-actions { display: flex; flex-direction: column; gap: 12px; margin-top: 24px; }
.mobile-nav-toggle-caret { display: flex; align-items: center; justify-content: space-between; }
.mobile-nav-toggle-caret svg { width: 16px; height: 16px; transition: transform 180ms ease; }
.mobile-nav-toggle-caret.is-open svg { transform: rotate(180deg); }