@import url("fontawesome-all.min.css");
@import url("https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,400&display=swap");

/* Font Awesome 5 — required for .icon.solid / .fas icons */
.icon,
.fas,
.far,
.fab,
.fa {
	display: inline-block;
	text-decoration: none;
}
.icon:before,
.fas:before,
.far:before,
.fab:before,
.fa:before {
	-moz-osx-font-smoothing: grayscale;
	-webkit-font-smoothing: antialiased;
	display: inline-block;
	font-style: normal;
	font-variant: normal;
	text-rendering: auto;
	line-height: 1;
	text-transform: none !important;
}
.icon:before,
.far:before,
.fa:before {
	font-family: "Font Awesome 5 Free";
	font-weight: 400;
}
.icon.solid:before,
.fas:before {
	font-family: "Font Awesome 5 Free";
	font-weight: 900;
}
.icon.brands:before,
.fab:before {
	font-family: "Font Awesome 5 Brands";
	font-weight: 400;
}
.icon > .label {
	display: none;
}

/* ─── Design tokens — PH fintech (Option B) ─── */
:root {
	--navy: #1e3a5f;
	--navy-dark: #152a45;
	--navy-light: #2c5282;
	--accent: #4a7c9b;
	--accent-dark: #3a6580;
	--accent-light: #e8f0f5;
	--gold: #8b7355;
	--gold-light: #f4f0ea;
	--slate-50: #f8fafc;
	--slate-100: #f1f5f9;
	--slate-200: #e2e8f0;
	--slate-400: #94a3b8;
	--slate-500: #64748b;
	--slate-600: #475569;
	--slate-700: #334155;
	--slate-800: #1e293b;
	--white: #ffffff;
	--shadow-sm: 0 1px 2px rgba(21, 42, 69, 0.06);
	--shadow-md: 0 4px 16px rgba(21, 42, 69, 0.08);
	--shadow-lg: 0 12px 40px rgba(21, 42, 69, 0.1);
	--radius: 12px;
	--radius-sm: 8px;
	--max-w: 72rem;
	--header-h: 4.5rem;
	--font: "DM Sans", system-ui, -apple-system, sans-serif;
	--ease: 0.2s ease;
	--gradient-hero: linear-gradient(135deg, #152a45 0%, #1e3a5f 40%, #2c5282 100%);
	--gradient-btn: linear-gradient(135deg, #1e3a5f 0%, #2c5282 100%);
	--gradient-accent: linear-gradient(135deg, #3a6580 0%, #5b8fb9 100%);
	--gradient-warm: linear-gradient(135deg, #f8fafc 0%, #e8f0f5 100%);
	--glow: 0 0 60px rgba(91, 143, 185, 0.25);
}

*, *::before, *::after { box-sizing: border-box; }

html {
	scroll-behavior: smooth;
	-webkit-text-size-adjust: 100%;
}

body {
	margin: 0;
	font-family: var(--font);
	font-size: 1rem;
	line-height: 1.6;
	color: var(--slate-700);
	background: var(--slate-50);
	background-image:
		radial-gradient(ellipse 80% 50% at 50% -20%, rgba(74, 124, 155, 0.08), transparent),
		radial-gradient(ellipse 60% 40% at 100% 50%, rgba(30, 58, 95, 0.04), transparent);
	-webkit-font-smoothing: antialiased;
	min-height: 100vh;
	display: flex;
	flex-direction: column;
}

main { flex: 1; }

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

a { color: var(--accent-dark); text-decoration: none; transition: color var(--ease); }
a:hover { color: var(--navy); text-decoration: underline; }

h1, h2, h3, h4 {
	color: var(--navy);
	font-weight: 700;
	line-height: 1.2;
	margin: 0 0 0.5em;
}

h1 { font-size: clamp(1.75rem, 4vw, 2.5rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.35rem, 3vw, 1.75rem); letter-spacing: -0.01em; }
h3 { font-size: 1.125rem; }
h4 { font-size: 1rem; }

p { margin: 0 0 1em; }
p:last-child { margin-bottom: 0; }

ul, ol { margin: 0 0 1em; padding-left: 1.25em; }
li { margin-bottom: 0.35em; }

strong { font-weight: 600; color: var(--slate-800); }

.skip-link {
	position: absolute;
	top: -100%;
	left: 1rem;
	z-index: 9999;
	padding: 0.5rem 1rem;
	background: var(--navy);
	color: var(--white);
	border-radius: var(--radius-sm);
}
.skip-link:focus { top: 1rem; }

/* ─── Layout ─── */
.wrap {
	width: 100%;
	max-width: var(--max-w);
	margin: 0 auto;
	padding: 0 clamp(1.25rem, 4vw, 2.5rem);
}

.section { padding: clamp(2.5rem, 5vw, 4rem) 0; }
.section--tight { padding: clamp(1.5rem, 3vw, 2.5rem) 0; }
.section--alt {
	background: var(--white);
	position: relative;
}
.section--alt::before {
	content: "";
	position: absolute;
	inset: 0;
	background: linear-gradient(180deg, rgba(232, 240, 245, 0.35) 0%, transparent 120px);
	pointer-events: none;
}
.section--alt > .wrap { position: relative; z-index: 1; }

.section--mesh {
	background: var(--gradient-warm);
	border-top: 1px solid var(--slate-200);
	border-bottom: 1px solid var(--slate-200);
}

/* ─── Header (heat zone: logo left, nav right) ─── */
.site-header {
	position: sticky;
	top: 0;
	z-index: 100;
	background: rgba(255, 255, 255, 0.92);
	backdrop-filter: blur(12px);
	-webkit-backdrop-filter: blur(12px);
	border-bottom: 1px solid var(--slate-200);
	height: var(--header-h);
}

.site-header .wrap {
	display: flex;
	align-items: center;
	justify-content: space-between;
	height: 100%;
	gap: 1rem;
}

.site-logo {
	content: url("../../images/logo-cropped.svg");
	height: 2.65rem;
	width: auto;
}

.site-nav { display: flex; align-items: center; gap: 0.25rem; }

.site-nav a {
	display: block;
	padding: 0.5rem 0.85rem;
	font-size: 0.9rem;
	font-weight: 500;
	color: var(--slate-600);
	text-decoration: none;
	border-radius: var(--radius-sm);
	transition: background var(--ease), color var(--ease);
}

.site-nav a:hover,
.site-nav a.is-active {
	color: var(--navy);
	background: var(--slate-100);
	text-decoration: none;
}

.site-nav a.nav-cta {
	background: var(--navy);
	color: var(--white) !important;
	font-weight: 600;
	margin-left: 0.35rem;
}

.site-nav a.nav-cta:hover {
	background: var(--navy-light);
	color: var(--white) !important;
}

.nav-dropdown { position: relative; }

/* Invisible bridge so the menu stays open while moving the cursor down */
.nav-dropdown-menu::before {
	content: "";
	position: absolute;
	top: -0.65rem;
	left: 0;
	right: 0;
	height: 0.65rem;
}

.nav-dropdown > a::after {
	content: "";
	display: inline-block;
	width: 0.4em;
	height: 0.4em;
	margin-left: 0.35em;
	border-right: 2px solid currentColor;
	border-bottom: 2px solid currentColor;
	transform: rotate(45deg) translateY(-2px);
	vertical-align: middle;
}

.nav-dropdown-menu {
	display: none;
	position: absolute;
	top: 100%;
	left: 0;
	min-width: 14rem;
	padding: 0.5rem;
	background: var(--white);
	border: 1px solid var(--slate-200);
	border-radius: var(--radius-sm);
	box-shadow: var(--shadow-lg);
	margin-top: 0;
}

.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown.is-open .nav-dropdown-menu { display: block; }

.nav-dropdown-menu a { padding: 0.55rem 0.85rem; }

.nav-toggle {
	display: none;
	flex-direction: column;
	justify-content: center;
	gap: 5px;
	width: 2.5rem;
	height: 2.5rem;
	padding: 0.5rem;
	background: none;
	border: 1px solid var(--slate-200);
	border-radius: var(--radius-sm);
	cursor: pointer;
}

.nav-toggle span {
	display: block;
	height: 2px;
	background: var(--navy);
	border-radius: 1px;
	transition: var(--ease);
}

/* ─── Buttons (primary heat targets) ─── */
.btn {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	gap: 0.5rem;
	padding: 0.7rem 1.35rem;
	font-family: inherit;
	font-size: 0.95rem;
	font-weight: 600;
	line-height: 1.2;
	text-decoration: none !important;
	border: none;
	border-radius: var(--radius-sm);
	cursor: pointer;
	transition: transform var(--ease), box-shadow var(--ease), background var(--ease);
}

.btn:hover { transform: translateY(-1px); text-decoration: none !important; }

.btn--primary {
	background: var(--gradient-btn);
	color: var(--white) !important;
	box-shadow: 0 4px 14px rgba(30, 58, 95, 0.35);
}
.btn--primary:hover {
	background: linear-gradient(135deg, #2c5282 0%, #3d6a9e 100%);
	box-shadow: 0 6px 20px rgba(30, 58, 95, 0.4);
	color: var(--white) !important;
}

.btn--secondary {
	background: var(--white);
	color: var(--navy) !important;
	border: 2px solid var(--slate-200);
}
.btn--secondary:hover { border-color: var(--navy); background: var(--slate-50); color: var(--navy) !important; }

/* MP2-only accent — use sparingly */
.btn--gold {
	background: var(--navy);
	color: var(--white) !important;
	box-shadow: 0 2px 8px rgba(30, 58, 95, 0.2);
}
.btn--gold:hover { background: var(--navy-light); color: var(--white) !important; }

.btn--block { width: 100%; }

.btn-group {
	display: flex;
	flex-wrap: wrap;
	gap: 0.75rem;
}

/* ─── Hero ─── */
.hero {
	padding: clamp(3rem, 7vw, 5rem) 0 clamp(2.5rem, 5vw, 3.5rem);
	background: var(--gradient-hero);
	color: var(--white);
	position: relative;
	overflow: hidden;
}

.hero::before {
	content: "";
	position: absolute;
	inset: 0;
	background:
		radial-gradient(circle at 85% 20%, rgba(91, 143, 185, 0.35), transparent 45%),
		radial-gradient(circle at 10% 80%, rgba(44, 82, 130, 0.4), transparent 40%);
	pointer-events: none;
}

.hero::after {
	content: "";
	position: absolute;
	width: 420px;
	height: 420px;
	border-radius: 50%;
	background: rgba(255, 255, 255, 0.03);
	top: -180px;
	right: -120px;
	pointer-events: none;
}

.hero .wrap { position: relative; z-index: 1; }

.hero__pill {
	display: inline-flex;
	align-items: center;
	gap: 0.45rem;
	padding: 0.35rem 0.85rem;
	background: rgba(255, 255, 255, 0.12);
	border: 1px solid rgba(255, 255, 255, 0.2);
	border-radius: 999px;
	font-size: 0.8rem;
	font-weight: 600;
	letter-spacing: 0.02em;
	color: rgba(255, 255, 255, 0.95);
	margin-bottom: 1.1rem;
	backdrop-filter: blur(8px);
}

.hero__pill i { color: #a8d4f0; font-size: 0.75rem; }

.hero h1 {
	color: var(--white);
	margin-bottom: 0.75rem;
}

.hero h1 em {
	font-style: normal;
	background: linear-gradient(90deg, #ffffff 0%, #b8d9f0 100%);
	-webkit-background-clip: text;
	-webkit-text-fill-color: transparent;
	background-clip: text;
}

.hero__grid {
	display: grid;
	grid-template-columns: 1fr;
	gap: 2rem;
	align-items: center;
}

@media (min-width: 900px) {
	.hero__grid { grid-template-columns: 1.1fr 0.9fr; }
}

.hero__lead {
	font-size: clamp(1rem, 2vw, 1.15rem);
	color: rgba(255, 255, 255, 0.88);
	max-width: 32rem;
	margin-bottom: 1.5rem;
	line-height: 1.55;
}

.hero__chips {
	display: flex;
	flex-wrap: wrap;
	gap: 0.5rem;
	margin-bottom: 1.75rem;
}

.hero__chip {
	display: inline-flex;
	align-items: center;
	gap: 0.4rem;
	padding: 0.45rem 0.75rem;
	background: rgba(255, 255, 255, 0.1);
	border: 1px solid rgba(255, 255, 255, 0.15);
	border-radius: var(--radius-sm);
	font-size: 0.82rem;
	font-weight: 500;
	color: rgba(255, 255, 255, 0.9);
}

.hero__chip i {
	color: #9ecae8;
	width: 1em;
	text-align: center;
}

/* Hero preview card — enticing mock result */
.hero-preview {
	background: rgba(255, 255, 255, 0.97);
	border-radius: var(--radius);
	padding: 1.35rem 1.5rem;
	box-shadow: 0 20px 50px rgba(0, 0, 0, 0.25), var(--glow);
	color: var(--slate-700);
}

.hero-preview__label {
	font-size: 0.72rem;
	font-weight: 700;
	text-transform: uppercase;
	letter-spacing: 0.08em;
	color: var(--accent);
	margin-bottom: 0.35rem;
}

.hero-preview__title {
	font-size: 0.9rem;
	font-weight: 600;
	color: var(--navy);
	margin-bottom: 0.75rem;
}

.hero-preview__amount {
	font-size: clamp(1.75rem, 4vw, 2.25rem);
	font-weight: 700;
	color: var(--navy);
	letter-spacing: -0.02em;
	margin-bottom: 1rem;
}

.hero-preview__amount span {
	font-size: 0.55em;
	font-weight: 600;
	color: var(--slate-500);
	vertical-align: super;
}

.hero-preview__rows { display: flex; flex-direction: column; gap: 0.5rem; }

.hero-preview__row {
	display: flex;
	justify-content: space-between;
	align-items: center;
	font-size: 0.85rem;
	padding: 0.4rem 0;
	border-bottom: 1px solid var(--slate-100);
}

.hero-preview__row:last-child { border-bottom: none; }
.hero-preview__row span:last-child { font-weight: 600; color: var(--navy); }

.hero-preview__bar {
	height: 6px;
	background: var(--slate-100);
	border-radius: 999px;
	margin-top: 1rem;
	overflow: hidden;
}

.hero-preview__bar-fill {
	height: 100%;
	width: 72%;
	background: var(--gradient-accent);
	border-radius: 999px;
}

.hero-visual {
	background: transparent;
	border: none;
	padding: 0;
	backdrop-filter: none;
}

.hero .btn--secondary {
	background: rgba(255, 255, 255, 0.08);
	border-color: rgba(255, 255, 255, 0.35);
	color: var(--white) !important;
}
.hero .btn--secondary:hover {
	background: rgba(255, 255, 255, 0.14);
	border-color: rgba(255, 255, 255, 0.55);
	color: var(--white) !important;
}

/* ─── Calculator cards (secondary heat zone) ─── */
.calc-grid {
	display: grid;
	grid-template-columns: 1fr;
	gap: 1.5rem;
}

@media (min-width: 768px) {
	.calc-grid { grid-template-columns: 1fr 1fr; }
}

.calc-card {
	display: flex;
	flex-direction: column;
	background: var(--white);
	border-radius: var(--radius);
	border: 1px solid var(--slate-200);
	overflow: hidden;
	box-shadow: var(--shadow-md);
	transition: box-shadow 0.3s ease, transform 0.3s ease, border-color var(--ease);
	height: 100%;
	position: relative;
}

.calc-card::before {
	content: "";
	position: absolute;
	top: 0;
	left: 0;
	right: 0;
	height: 4px;
	background: var(--gradient-btn);
	opacity: 0;
	transition: opacity var(--ease);
}

.calc-card--mp2::before {
	background: var(--gradient-accent);
}

.calc-card:hover::before { opacity: 1; }

.calc-card:hover {
	box-shadow: 0 16px 48px rgba(30, 58, 95, 0.15);
	transform: translateY(-5px);
	border-color: rgba(74, 124, 155, 0.4);
}

.calc-card--featured { border-color: var(--slate-200); }

.calc-card__icon {
	display: flex;
	align-items: center;
	justify-content: center;
	width: 2.75rem;
	height: 2.75rem;
	border-radius: var(--radius-sm);
	background: var(--accent-light);
	color: var(--navy);
	font-size: 1.15rem;
	margin-bottom: 0.75rem;
}

.calc-card--mp2 .calc-card__icon {
	background: linear-gradient(135deg, #e8f0f5 0%, #dce8f0 100%);
}

.calc-card__media {
	aspect-ratio: 16 / 9;
	overflow: hidden;
	background: var(--slate-100);
}

.calc-card__media img {
	width: 100%;
	height: 100%;
	object-fit: cover;
	transition: transform 0.4s ease;
}

.calc-card:hover .calc-card__media img { transform: scale(1.04); }

.calc-card__body {
	padding: 1.35rem 1.5rem 1.5rem;
	flex: 1;
	display: flex;
	flex-direction: column;
}

.calc-card__tag {
	display: inline-block;
	font-size: 0.7rem;
	font-weight: 700;
	text-transform: uppercase;
	letter-spacing: 0.08em;
	padding: 0.2rem 0.55rem;
	border-radius: 999px;
	margin-bottom: 0.65rem;
	width: fit-content;
}

.calc-card__tag--tax { background: var(--accent-light); color: var(--accent-dark); }
.calc-card__tag--mp2 { background: var(--gold-light); color: var(--gold); }

.calc-card p {
	font-size: 0.95rem;
	color: var(--slate-600);
	flex: 1;
	margin-bottom: 1.25rem;
}

.calc-card__footer { margin-top: auto; }

/* ─── Steps ─── */
.steps {
	display: grid;
	grid-template-columns: 1fr;
	gap: 1rem;
}

@media (min-width: 768px) {
	.steps { grid-template-columns: repeat(3, 1fr); }
}

.step {
	text-align: center;
	padding: 1.75rem 1.35rem;
	background: var(--white);
	border-radius: var(--radius);
	border: 1px solid var(--slate-200);
	box-shadow: var(--shadow-sm);
	transition: transform var(--ease), box-shadow var(--ease);
}

.step:hover {
	transform: translateY(-3px);
	box-shadow: var(--shadow-md);
}

.step__icon {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 2.5rem;
	height: 2.5rem;
	background: var(--accent-light);
	color: var(--navy);
	border-radius: 50%;
	font-size: 1rem;
	margin-bottom: 0.65rem;
}

.step__num {
	display: inline-flex;
	align-items: center;
	justify-content: center;
	width: 1.5rem;
	height: 1.5rem;
	background: var(--navy);
	color: var(--white);
	font-weight: 700;
	font-size: 0.75rem;
	border-radius: 50%;
	margin-bottom: 0.5rem;
}

.step h3 { font-size: 1rem; margin-bottom: 0.35rem; }
.step p { font-size: 0.9rem; color: var(--slate-500); margin: 0; }

/* ─── Page header (inner pages) ─── */
.page-head {
	padding: clamp(2rem, 5vw, 3.25rem) 0;
	background: var(--gradient-hero);
	color: var(--white);
	position: relative;
	overflow: hidden;
}

.page-head::before {
	content: "";
	position: absolute;
	inset: 0;
	background: radial-gradient(circle at 90% 30%, rgba(91, 143, 185, 0.3), transparent 50%);
	pointer-events: none;
}

.page-head .wrap { position: relative; z-index: 1; }

.page-head h1,
.page-head .eyebrow { color: var(--white); }

.page-head .eyebrow { color: #b8d9f0; }

.page-head__lead {
	font-size: 1.05rem;
	color: rgba(255, 255, 255, 0.88);
	max-width: 40rem;
}

.page-head .tips-box {
	background: rgba(255, 255, 255, 0.1);
	border-left-color: #9ecae8;
	color: rgba(255, 255, 255, 0.92);
	backdrop-filter: blur(8px);
}

.page-head .tips-box strong { color: var(--white); }

.page-head--compact {
	padding: clamp(1.5rem, 4vw, 2.5rem) 0;
}

.page-head.text-center { text-align: center; }
.page-head.text-center .page-head__lead { margin-left: auto; margin-right: auto; }

.eyebrow {
	font-size: 0.75rem;
	font-weight: 700;
	text-transform: uppercase;
	letter-spacing: 0.1em;
	color: var(--accent);
	margin-bottom: 0.4rem;
}

.page-head .page-head__lead,
.page-head__lead {
	font-size: 1.05rem;
	color: var(--slate-600);
	max-width: 40rem;
}

.page-head .page-head__lead { color: rgba(255, 255, 255, 0.88); }

.tips-box {
	background: var(--slate-100);
	border-left: 4px solid var(--navy);
	border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
	padding: 1rem 1.25rem;
	margin-top: 1.25rem;
	font-size: 0.92rem;
	list-style: disc;
	padding-left: 2rem;
}

.tips-box li { margin-bottom: 0.4em; }

/* ─── Calculator embed area ─── */
.calc-panel {
	background: var(--white);
	border: 1px solid var(--slate-200);
	border-radius: var(--radius);
	padding: clamp(1rem, 3vw, 1.5rem);
	box-shadow: var(--shadow-md);
	margin: 1.5rem 0;
	min-height: 200px;
	position: relative;
}

.calc-panel::before {
	content: "";
	position: absolute;
	top: 0;
	left: 1.5rem;
	right: 1.5rem;
	height: 3px;
	background: var(--gradient-btn);
	border-radius: 0 0 4px 4px;
}

#lightningout { width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; }

.disclaimer {
	font-size: 0.85rem;
	color: var(--slate-500);
	background: var(--slate-100);
	border: 1px solid var(--slate-200);
	border-radius: var(--radius-sm);
	padding: 0.85rem 1rem;
	margin-top: 1.25rem;
}

/* ─── FAQ ─── */
.faq-nav {
	display: flex;
	flex-wrap: wrap;
	gap: 0.5rem;
	margin-bottom: 2rem;
}

.faq-section { margin-bottom: 2.5rem; }

.faq-section > h2 {
	padding-bottom: 0.5rem;
	border-bottom: 2px solid var(--slate-200);
	margin-bottom: 1.25rem;
}

.faq-item {
	padding: 1rem 0;
	border-bottom: 1px solid var(--slate-200);
}

.faq-item:last-child { border-bottom: none; }

.faq-item h3 {
	font-size: 1rem;
	font-weight: 600;
	margin-bottom: 0.35rem;
}

.faq-item p, .faq-item ul {
	font-size: 0.95rem;
	color: var(--slate-600);
	margin: 0;
}

/* ─── Content prose ─── */
.prose { max-width: 42rem; }
.prose h2 { margin-top: 1.75rem; }
.prose ul { color: var(--slate-600); }

/* ─── Contact form ─── */
.form-card {
	max-width: 32rem;
	margin: 0 auto;
	background: var(--white);
	border: 1px solid var(--slate-200);
	border-radius: var(--radius);
	padding: clamp(1.25rem, 3vw, 2rem);
	box-shadow: var(--shadow-sm);
}

.form-group { margin-bottom: 1rem; }

.form-group label {
	display: block;
	font-size: 0.875rem;
	font-weight: 600;
	color: var(--slate-700);
	margin-bottom: 0.35rem;
}

.form-group input,
.form-group textarea {
	width: 100%;
	padding: 0.65rem 0.85rem;
	font-family: inherit;
	font-size: 1rem;
	border: 1px solid var(--slate-200);
	border-radius: var(--radius-sm);
	background: var(--white);
	transition: border-color var(--ease), box-shadow var(--ease);
}

.form-group input:focus,
.form-group textarea:focus {
	outline: none;
	border-color: var(--accent);
	box-shadow: 0 0 0 3px rgba(74, 124, 155, 0.18);
}

.form-group textarea { min-height: 8rem; resize: vertical; }

/* ─── Ad slot ─── */
.ad-slot {
	margin: 1.25rem auto;
	text-align: center;
	max-width: 100%;
	overflow: hidden;
}

.ad-slot .adsbygoogle {
	display: block !important;
	width: 100% !important;
	min-height: 90px;
}

/* ─── Section titles ─── */
.section-head {
	text-align: center;
	max-width: 36rem;
	margin: 0 auto 2rem;
}

.section-head .eyebrow { margin-bottom: 0.5rem; }

.section-head p {
	color: var(--slate-500);
	font-size: 1.05rem;
}

.section-head h2 {
	position: relative;
	display: inline-block;
}

.section-head h2::after {
	content: "";
	display: block;
	width: 3rem;
	height: 3px;
	background: var(--gradient-accent);
	border-radius: 999px;
	margin: 0.5rem auto 0;
}

/* ─── Footer ─── */
.site-footer {
	background: var(--navy-dark);
	color: rgba(255, 255, 255, 0.75);
	padding: clamp(2rem, 4vw, 3rem) 0 1.25rem;
	margin-top: auto;
}

.footer-grid {
	display: grid;
	grid-template-columns: 1fr;
	gap: 2rem;
	padding-bottom: 2rem;
	border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

@media (min-width: 768px) {
	.footer-grid { grid-template-columns: 1.2fr 1.8fr; }
}

.footer-brand .footer-logo {
	content: url("../../images/logo-cropped.svg");
	height: 2rem;
	width: auto;
	background: var(--white);
	padding: 0.35rem 0.5rem;
	border-radius: 6px;
	margin-bottom: 0.85rem;
}

.footer-brand p {
	font-size: 0.9rem;
	line-height: 1.5;
	margin-bottom: 1rem;
	max-width: 22rem;
}

.footer-links {
	display: grid;
	grid-template-columns: repeat(2, 1fr);
	gap: 1.5rem;
}

@media (min-width: 600px) {
	.footer-links { grid-template-columns: repeat(3, 1fr); }
}

.footer-col h3 {
	font-size: 0.75rem;
	font-weight: 700;
	text-transform: uppercase;
	letter-spacing: 0.08em;
	color: var(--white);
	margin-bottom: 0.75rem;
}

.footer-col ul { list-style: none; padding: 0; margin: 0; }

.footer-col li { margin-bottom: 0.45rem; }

.footer-col a {
	color: rgba(255, 255, 255, 0.7);
	font-size: 0.9rem;
	text-decoration: none;
}

.footer-col a:hover { color: var(--white); text-decoration: underline; }

.footer-bottom {
	display: flex;
	flex-wrap: wrap;
	justify-content: space-between;
	gap: 0.5rem 1rem;
	padding-top: 1.25rem;
	font-size: 0.8rem;
	color: rgba(255, 255, 255, 0.45);
}

.site-footer .btn--primary { font-size: 0.85rem; padding: 0.5rem 1rem; }
.site-footer .btn--secondary {
	background: transparent;
	border-color: rgba(255, 255, 255, 0.25);
	color: var(--white) !important;
}

/* ─── CTA banner ─── */
.cta-banner {
	background: var(--gradient-hero);
	border-radius: var(--radius);
	padding: clamp(2rem, 4vw, 2.75rem);
	text-align: center;
	position: relative;
	overflow: hidden;
	box-shadow: var(--shadow-lg);
}

.cta-banner::before {
	content: "";
	position: absolute;
	inset: 0;
	background: radial-gradient(circle at 20% 50%, rgba(91, 143, 185, 0.25), transparent 55%);
	pointer-events: none;
}

.cta-banner .wrap-inner {
	position: relative;
	z-index: 1;
	max-width: 32rem;
	margin: 0 auto;
}

.cta-banner h2 {
	color: var(--white);
	margin-bottom: 0.5rem;
}

.cta-banner p {
	color: rgba(255, 255, 255, 0.85);
	margin-bottom: 1.35rem;
	font-size: 1.05rem;
}

.cta-banner .btn-group {
	justify-content: center;
}

.cta-banner .btn--secondary {
	background: rgba(255, 255, 255, 0.1);
	border-color: rgba(255, 255, 255, 0.35);
	color: var(--white) !important;
}
.cta-banner .btn--secondary:hover {
	background: rgba(255, 255, 255, 0.18);
	border-color: rgba(255, 255, 255, 0.55);
	color: var(--white) !important;
}

/* ─── Trust row (below hero) ─── */
.trust-row {
	display: grid;
	grid-template-columns: 1fr;
	gap: 1rem;
	margin-top: -1.5rem;
	position: relative;
	z-index: 2;
	padding-bottom: 0.5rem;
}

@media (min-width: 640px) {
	.trust-row { grid-template-columns: repeat(3, 1fr); }
}

.trust-card {
	display: flex;
	align-items: flex-start;
	gap: 0.85rem;
	padding: 1.15rem 1.25rem;
	background: var(--white);
	border: 1px solid var(--slate-200);
	border-radius: var(--radius);
	box-shadow: var(--shadow-md);
}

.trust-card__icon {
	flex-shrink: 0;
	width: 2.5rem;
	height: 2.5rem;
	display: flex;
	align-items: center;
	justify-content: center;
	background: var(--accent-light);
	color: var(--navy);
	border-radius: var(--radius-sm);
	font-size: 1.1rem;
}

.trust-card h3 {
	font-size: 0.95rem;
	margin-bottom: 0.2rem;
}

.trust-card p {
	font-size: 0.85rem;
	color: var(--slate-500);
	margin: 0;
	line-height: 1.4;
}

/* ─── Utilities ─── */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-lg { margin-bottom: 2rem; }

/* ─── Mobile nav ─── */
@media (max-width: 767px) {
	.nav-toggle { display: flex; }

	.site-nav {
		display: none;
		position: fixed;
		top: var(--header-h);
		left: 0;
		right: 0;
		bottom: 0;
		flex-direction: column;
		align-items: stretch;
		padding: 1rem;
		background: var(--white);
		border-top: 1px solid var(--slate-200);
		overflow-y: auto;
		gap: 0.25rem;
	}

	.site-nav.is-open { display: flex; }

	.site-nav a { padding: 0.85rem 1rem; font-size: 1rem; }

	.site-nav a.nav-cta { margin: 0.5rem 0 0; text-align: center; }

	.nav-dropdown-menu {
		position: static;
		box-shadow: none;
		border: none;
		padding: 0 0 0 1rem;
		margin: 0;
		background: var(--slate-50);
		border-radius: var(--radius-sm);
	}

	.nav-dropdown:hover .nav-dropdown-menu { display: none; }
	.nav-dropdown.is-open .nav-dropdown-menu { display: block; }

	.btn-group { flex-direction: column; }
	.btn-group .btn { width: 100%; }

	.footer-links { grid-template-columns: 1fr; }
}