/* ============================================================
   Northwind Lending — styles.css
   Brand: Classic Corporate Banking
   ============================================================ */

:root {
  --navy: #0F2A4A;
  --steel: #2C6CB0;
  --slate: #45607A;
  --light: #EEF3F8;
  --white: #FFFFFF;
  --ink: #15202B;
  --accent: #C9A227;

  --navy-90: rgba(15, 42, 74, 0.9);
  --navy-tint: #1B3B61;
  --border: #D5DEE8;
  --border-strong: #C2CFDD;
  --shadow-sm: 0 1px 2px rgba(15, 42, 74, 0.06), 0 1px 3px rgba(15, 42, 74, 0.08);
  --shadow-md: 0 4px 12px rgba(15, 42, 74, 0.08), 0 2px 4px rgba(15, 42, 74, 0.06);
  --shadow-lg: 0 14px 40px rgba(15, 42, 74, 0.14);

  --radius: 8px;
  --radius-sm: 6px;
  --maxw: 1180px;

  --font-head: "Source Serif 4", Georgia, "Times New Roman", serif;
  --font-body: "IBM Plex Sans", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;

  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--steel); text-decoration: none; transition: color 0.18s var(--ease); }
a:hover { color: var(--navy); }
h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--navy);
  line-height: 1.15;
  letter-spacing: -0.01em;
  margin: 0 0 0.5em;
  font-weight: 600;
}
h1 { font-size: clamp(2.1rem, 4.6vw, 3.3rem); }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.4rem); }
h3 { font-size: 1.28rem; }
p { margin: 0 0 1rem; }
ul { margin: 0 0 1rem; padding-left: 1.2rem; }

/* ---------- Layout helpers ---------- */
.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.section { padding: 84px 0; }
.section--tight { padding: 60px 0; }
.section--light { background: var(--light); }
.section--navy { background: var(--navy); color: #DDE7F1; }
.section--navy h2, .section--navy h3 { color: var(--white); }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-body); font-weight: 600; font-size: 0.78rem;
  letter-spacing: 0.16em; text-transform: uppercase; color: var(--steel);
  margin: 0 0 14px;
}
.eyebrow::before {
  content: ""; width: 22px; height: 2px; background: var(--accent); display: inline-block;
}
.section--navy .eyebrow { color: var(--accent); }
.section-head { max-width: 720px; margin-bottom: 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { color: var(--slate); font-size: 1.08rem; margin: 0; }
.section--navy .section-head p { color: #B9C9DA; }
.lead { font-size: 1.18rem; color: var(--slate); }

.skip-link {
  position: absolute; left: -999px; top: 0; z-index: 200;
  background: var(--accent); color: var(--navy); padding: 10px 18px;
  font-weight: 600; border-radius: 0 0 var(--radius) 0;
}
.skip-link:focus { left: 0; }

/* ---------- Focus ---------- */
:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
  border-radius: 3px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-body); font-weight: 600; font-size: 0.98rem;
  padding: 13px 26px; border-radius: var(--radius-sm); border: 1.5px solid transparent;
  cursor: pointer; transition: all 0.2s var(--ease); white-space: nowrap;
  line-height: 1; text-align: center;
}
.btn svg { width: 17px; height: 17px; }
.btn--primary { background: var(--accent); color: var(--navy); border-color: var(--accent); }
.btn--primary:hover { background: #d9b53a; border-color: #d9b53a; color: var(--navy); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn--navy { background: var(--navy); color: var(--white); border-color: var(--navy); }
.btn--navy:hover { background: var(--navy-tint); color: var(--white); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn--outline { background: transparent; color: var(--navy); border-color: var(--border-strong); }
.btn--outline:hover { border-color: var(--navy); color: var(--navy); background: var(--white); }
.btn--ghost-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.4); }
.btn--ghost-light:hover { border-color: var(--accent); color: var(--accent); }
.btn--lg { padding: 16px 32px; font-size: 1.05rem; }
.btn--block { width: 100%; }

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  box-shadow: 0 1px 0 rgba(0,0,0,0.2);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 74px; gap: 24px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand:hover { color: inherit; }
.brand-mark {
  width: 38px; height: 38px; flex: none;
  color: var(--accent);
}
.brand-text { display: flex; flex-direction: column; line-height: 1; }
.brand-name {
  font-family: var(--font-head); font-weight: 600; font-size: 1.32rem;
  color: var(--white); letter-spacing: -0.01em;
}
.brand-tag {
  font-size: 0.66rem; letter-spacing: 0.16em; text-transform: uppercase;
  color: var(--accent); margin-top: 3px; font-weight: 500;
}
.main-nav { display: flex; align-items: center; gap: 4px; }
.main-nav a {
  color: #C7D6E6; font-weight: 500; font-size: 0.96rem;
  padding: 9px 14px; border-radius: var(--radius-sm); position: relative;
}
.main-nav a:hover { color: var(--white); background: rgba(255,255,255,0.06); }
.main-nav a.active { color: var(--white); }
.main-nav a.active::after {
  content: ""; position: absolute; left: 14px; right: 14px; bottom: 2px;
  height: 2px; background: var(--accent); border-radius: 2px;
}
.header-cta { display: flex; align-items: center; gap: 14px; }
.header-phone {
  color: #C7D6E6; font-weight: 600; font-size: 0.94rem; white-space: nowrap;
  display: inline-flex; align-items: center; gap: 7px;
}
.header-phone svg { width: 16px; height: 16px; color: var(--accent); }
.header-phone:hover { color: var(--white); }

.nav-toggle {
  display: none; background: transparent; border: 1.5px solid rgba(255,255,255,0.25);
  border-radius: var(--radius-sm); width: 44px; height: 44px; cursor: pointer;
  color: var(--white); align-items: center; justify-content: center; padding: 0;
}
.nav-toggle svg { width: 24px; height: 24px; }
.nav-toggle .icon-close { display: none; }
.nav-toggle[aria-expanded="true"] .icon-open { display: none; }
.nav-toggle[aria-expanded="true"] .icon-close { display: block; }

@media (max-width: 940px) {
  .nav-toggle { display: inline-flex; }
  .header-phone { display: none; }
  .header-cta .btn { display: none; }
  .main-nav {
    position: absolute; top: 74px; left: 0; right: 0;
    background: var(--navy); flex-direction: column; align-items: stretch;
    gap: 0; padding: 12px 16px 22px; border-top: 1px solid rgba(255,255,255,0.08);
    box-shadow: var(--shadow-lg);
    max-height: 0; overflow: hidden; padding-top: 0; padding-bottom: 0;
    transition: max-height 0.3s var(--ease), padding 0.3s var(--ease);
  }
  .main-nav.open { max-height: 560px; padding-top: 12px; padding-bottom: 22px; }
  .main-nav a { padding: 14px 14px; border-radius: var(--radius-sm); font-size: 1.05rem; }
  .main-nav a.active::after { display: none; }
  .main-nav a.active { background: rgba(255,255,255,0.08); }
  .main-nav .btn { margin-top: 12px; }
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(1100px 600px at 78% -10%, #1c4576 0%, transparent 55%),
    linear-gradient(160deg, var(--navy) 0%, #0b2138 100%);
  color: var(--white);
}
.hero::before {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.035) 1px, transparent 1px);
  background-size: 46px 46px;
  -webkit-mask-image: radial-gradient(120% 120% at 50% 0%, #000 35%, transparent 80%);
  mask-image: radial-gradient(120% 120% at 50% 0%, #000 35%, transparent 80%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }
.hero-grid {
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 56px; align-items: center;
  padding: 86px 0 92px;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 .gold { color: var(--accent); }
.hero-sub { font-size: 1.18rem; color: #C7D6E6; max-width: 540px; margin-bottom: 28px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 30px; }
.hero-assure {
  display: flex; flex-wrap: wrap; gap: 18px 26px; color: #AFC3D7; font-size: 0.92rem;
}
.hero-assure span { display: inline-flex; align-items: center; gap: 8px; }
.hero-assure svg { width: 18px; height: 18px; color: var(--accent); flex: none; }

/* Quick apply card */
.quick-apply {
  background: var(--white); color: var(--ink); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow-lg); border: 1px solid var(--border);
  position: relative;
}
.quick-apply::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--accent), #e0c351);
  border-radius: var(--radius) var(--radius) 0 0;
}
.quick-apply h3 { font-size: 1.32rem; margin-bottom: 4px; }
.quick-apply .qa-sub { color: var(--slate); font-size: 0.92rem; margin-bottom: 20px; }

/* ---------- Forms ---------- */
.field { margin-bottom: 16px; }
.field label {
  display: block; font-weight: 600; font-size: 0.86rem; color: var(--navy);
  margin-bottom: 6px;
}
.field .req { color: #b3402f; }
.field input, .field select, .field textarea {
  width: 100%; font-family: var(--font-body); font-size: 1rem; color: var(--ink);
  padding: 12px 14px; border: 1.5px solid var(--border-strong); border-radius: var(--radius-sm);
  background: var(--white); transition: border-color 0.18s var(--ease), box-shadow 0.18s var(--ease);
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--steel); box-shadow: 0 0 0 3px rgba(44,108,176,0.15);
}
.field textarea { resize: vertical; min-height: 120px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-note { font-size: 0.82rem; color: var(--slate); margin: 4px 0 0; }
.form-error {
  display: none; font-size: 0.9rem; line-height: 1.45;
  background: #fdeceb; border: 1.5px solid #e7b3ad; color: #9b2c20;
  border-radius: var(--radius); padding: 12px 16px; margin: 14px 0 0;
}
.form-error.show { display: block; }
.form-success {
  display: none; align-items: flex-start; gap: 14px;
  background: #f1f8f1; border: 1.5px solid #bfe0bf; color: #1f5c2e;
  border-radius: var(--radius); padding: 18px 20px; margin-bottom: 18px;
}
.form-success.show { display: flex; }
.form-success svg { width: 26px; height: 26px; flex: none; color: #2f8a45; margin-top: 1px; }
.form-success strong { display: block; color: #184a25; font-family: var(--font-head); font-size: 1.1rem; }

/* ============================================================
   TRUST BADGE ROW
   ============================================================ */
.trust-row { background: var(--white); border-bottom: 1px solid var(--border); }
.trust-row-inner {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: center;
  gap: 16px 44px; padding: 22px 0;
}
.trust-badge { display: inline-flex; align-items: center; gap: 11px; color: var(--slate); font-weight: 600; font-size: 0.92rem; }
.trust-badge svg { width: 26px; height: 26px; color: var(--steel); flex: none; }
.trust-badge .seal { color: var(--accent); }

/* ============================================================
   STATS BAND
   ============================================================ */
.stats-band { background: var(--navy); position: relative; overflow: hidden; }
.stats-band::after {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,0.05) 1px, transparent 0);
  background-size: 26px 26px; pointer-events: none;
}
.stats-grid {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: repeat(5, 1fr);
}
.stat {
  text-align: center; padding: 40px 18px;
  border-right: 1px solid rgba(255,255,255,0.1);
}
.stat:last-child { border-right: none; }
.stat-num {
  font-family: var(--font-head); font-weight: 600; font-size: clamp(2rem, 3.5vw, 2.8rem);
  color: var(--accent); line-height: 1;
}
.stat-label { color: #B9C9DA; font-size: 0.9rem; margin-top: 10px; letter-spacing: 0.01em; }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.step {
  position: relative; background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 34px 28px 30px; box-shadow: var(--shadow-sm);
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease);
}
.step:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.step-num {
  position: absolute; top: -18px; left: 28px;
  width: 46px; height: 46px; border-radius: 10px;
  background: var(--navy); color: var(--accent);
  font-family: var(--font-head); font-weight: 600; font-size: 1.3rem;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
}
.step-icon { width: 40px; height: 40px; color: var(--steel); margin: 10px 0 16px; }
.step h3 { margin-bottom: 8px; }
.step p { color: var(--slate); margin: 0; font-size: 0.98rem; }
.steps-connector { /* decorative */ }

/* ============================================================
   SERVICES GRID
   ============================================================ */
.cards-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.cards-grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 30px 28px; box-shadow: var(--shadow-sm);
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease), border-color 0.2s var(--ease);
  display: flex; flex-direction: column;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--border-strong); }
.card-icon {
  width: 54px; height: 54px; border-radius: 12px; flex: none;
  background: var(--light); color: var(--steel);
  display: flex; align-items: center; justify-content: center; margin-bottom: 18px;
  border: 1px solid var(--border);
}
.card-icon svg { width: 28px; height: 28px; }
.card h3 { margin-bottom: 8px; }
.card p { color: var(--slate); font-size: 0.97rem; margin-bottom: 16px; flex: 1; }
.card-link {
  font-weight: 600; font-size: 0.92rem; color: var(--steel);
  display: inline-flex; align-items: center; gap: 7px; margin-top: auto;
}
.card-link svg { width: 15px; height: 15px; transition: transform 0.2s var(--ease); }
.card:hover .card-link svg { transform: translateX(4px); }

/* ============================================================
   INDUSTRIES
   ============================================================ */
.ind-strip {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px;
}
.ind-item {
  display: flex; align-items: center; gap: 13px;
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 16px 18px; box-shadow: var(--shadow-sm);
  transition: transform 0.18s var(--ease), box-shadow 0.18s var(--ease), border-color 0.18s var(--ease);
}
.ind-item:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); border-color: var(--steel); }
.ind-item svg { width: 26px; height: 26px; color: var(--steel); flex: none; }
.ind-item span { font-weight: 600; color: var(--navy); font-size: 0.95rem; }

.ind-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.ind-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 26px 24px; box-shadow: var(--shadow-sm);
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease);
}
.ind-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.ind-card { display: flex; flex-direction: column; }
.ind-card .card-icon { margin-bottom: 14px; }
.ind-card h3 { font-size: 1.12rem; margin-bottom: 6px; }
.ind-card p { color: var(--slate); font-size: 0.94rem; margin: 0; flex: 1; }
.ind-card .card-link svg { transition: transform 0.2s var(--ease); }
.ind-card:hover .card-link svg { transform: translateX(4px); }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testi {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 30px 28px; box-shadow: var(--shadow-sm); display: flex; flex-direction: column;
  position: relative;
}
.testi .quote-mark {
  font-family: var(--font-head); font-size: 3.4rem; color: var(--accent);
  line-height: 0.6; height: 28px; opacity: 0.9;
}
.testi .stars { color: var(--accent); display: flex; gap: 2px; margin: 6px 0 14px; }
.testi .stars svg { width: 18px; height: 18px; }
.testi p { color: var(--ink); font-size: 1.02rem; flex: 1; }
.testi-author { display: flex; align-items: center; gap: 13px; margin-top: 18px; }
.avatar {
  width: 48px; height: 48px; border-radius: 50%; flex: none;
  background: var(--navy); color: var(--accent);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 600; font-size: 1.1rem;
}
.testi-author .name { font-weight: 600; color: var(--navy); font-size: 0.96rem; line-height: 1.3; }
.testi-author .role { color: var(--slate); font-size: 0.85rem; }

/* ============================================================
   FAQ / ACCORDION
   ============================================================ */
.faq-list { max-width: 820px; margin: 0 auto; }
.accordion {
  border: 1px solid var(--border); border-radius: var(--radius); background: var(--white);
  margin-bottom: 14px; box-shadow: var(--shadow-sm); overflow: hidden;
}
.accordion-btn {
  width: 100%; text-align: left; background: transparent; border: none; cursor: pointer;
  font-family: var(--font-head); font-weight: 600; font-size: 1.1rem; color: var(--navy);
  padding: 20px 56px 20px 24px; position: relative; line-height: 1.35;
}
.accordion-btn:hover { color: var(--steel); }
.accordion-btn .chev {
  position: absolute; right: 22px; top: 50%; transform: translateY(-50%);
  width: 20px; height: 20px; color: var(--steel); transition: transform 0.25s var(--ease);
}
.accordion-btn[aria-expanded="true"] .chev { transform: translateY(-50%) rotate(180deg); }
.accordion-panel {
  max-height: 0; overflow: hidden; transition: max-height 0.3s var(--ease);
}
.accordion-panel-inner { padding: 0 24px 22px; color: var(--slate); }
.accordion-panel-inner p { margin: 0; }

/* ============================================================
   COMPARISON TABLE
   ============================================================ */
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
table.compare { width: 100%; border-collapse: collapse; background: var(--white); min-width: 720px; }
table.compare th, table.compare td { padding: 15px 18px; text-align: left; border-bottom: 1px solid var(--border); font-size: 0.95rem; }
table.compare thead th { background: var(--navy); color: var(--white); font-family: var(--font-head); font-weight: 600; font-size: 1rem; }
table.compare tbody tr:nth-child(even) { background: var(--light); }
table.compare tbody td:first-child { font-weight: 600; color: var(--navy); }
table.compare tbody tr:hover { background: #e6eef7; }

/* ============================================================
   SERVICE DETAIL BLOCKS
   ============================================================ */
.svc-detail {
  display: grid; grid-template-columns: 56px 1fr; gap: 22px;
  border: 1px solid var(--border); border-radius: var(--radius); background: var(--white);
  padding: 34px; box-shadow: var(--shadow-sm); margin-bottom: 24px; scroll-margin-top: 100px;
}
.svc-detail .card-icon { margin: 0; }
.svc-detail h3 { font-size: 1.5rem; margin-bottom: 6px; }
.svc-detail .svc-best { color: var(--slate); font-style: italic; margin-bottom: 14px; }
.svc-meta { display: flex; flex-wrap: wrap; gap: 10px; margin: 16px 0 6px; }
.svc-meta .chip {
  background: var(--light); border: 1px solid var(--border); border-radius: 100px;
  padding: 6px 14px; font-size: 0.84rem; font-weight: 600; color: var(--navy);
}
.svc-meta .chip b { color: var(--steel); }
.svc-detail ul { columns: 2; column-gap: 30px; margin-top: 14px; }
.svc-detail ul li { margin-bottom: 6px; color: var(--slate); }
@media (max-width: 620px){ .svc-detail ul { columns: 1; } }

/* ============================================================
   ABOUT — values / timeline / team
   ============================================================ */
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.value { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm); }
.value .card-icon { margin-bottom: 16px; }
.value h3 { margin-bottom: 8px; }
.value p { color: var(--slate); margin: 0; font-size: 0.97rem; }

.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.member { text-align: center; background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 30px 22px; box-shadow: var(--shadow-sm); transition: transform .2s var(--ease), box-shadow .2s var(--ease); }
.member:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.member .avatar-lg {
  width: 88px; height: 88px; border-radius: 50%; margin: 0 auto 16px;
  background: radial-gradient(circle at 35% 30%, var(--steel), var(--navy));
  color: var(--white); display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 600; font-size: 1.9rem;
  border: 3px solid var(--white); box-shadow: 0 0 0 2px var(--accent);
}
.member h3 { font-size: 1.15rem; margin-bottom: 2px; }
.member .role { color: var(--steel); font-weight: 600; font-size: 0.88rem; margin-bottom: 12px; }
.member p { color: var(--slate); font-size: 0.9rem; margin: 0; }

.timeline { position: relative; max-width: 760px; margin: 0 auto; padding-left: 38px; }
.timeline::before { content: ""; position: absolute; left: 9px; top: 6px; bottom: 6px; width: 2px; background: var(--border-strong); }
.tl-item { position: relative; padding-bottom: 34px; }
.tl-item:last-child { padding-bottom: 0; }
.tl-item::before {
  content: ""; position: absolute; left: -34px; top: 4px; width: 18px; height: 18px;
  border-radius: 50%; background: var(--white); border: 3px solid var(--accent); box-shadow: var(--shadow-sm);
}
.tl-year { font-family: var(--font-head); font-weight: 600; color: var(--steel); font-size: 1.15rem; }
.tl-item h3 { font-size: 1.1rem; margin: 2px 0 4px; }
.tl-item p { color: var(--slate); margin: 0; font-size: 0.96rem; }

/* ============================================================
   SPLIT / CONTENT
   ============================================================ */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split img, .split .panel { width: 100%; }
.panel {
  border-radius: var(--radius); border: 1px solid var(--border); box-shadow: var(--shadow-md);
  background: linear-gradient(155deg, var(--navy), #0b2138); color: var(--white);
  padding: 40px; position: relative; overflow: hidden;
}
.panel::after {
  content: ""; position: absolute; right: -40px; bottom: -40px; width: 220px; height: 220px;
  opacity: 0.12;
  background: radial-gradient(circle, var(--accent) 0%, transparent 70%);
}
.panel .panel-stat { border-bottom: 1px solid rgba(255,255,255,0.12); padding: 14px 0; }
.panel .panel-stat:last-child { border-bottom: none; }
.panel .panel-stat b { font-family: var(--font-head); color: var(--accent); font-size: 1.7rem; display: block; }
.panel .panel-stat span { color: #B9C9DA; font-size: 0.92rem; }
.check-list { list-style: none; padding: 0; }
.check-list li { display: flex; align-items: flex-start; gap: 11px; margin-bottom: 13px; color: var(--slate); }
.check-list li svg { width: 22px; height: 22px; color: var(--accent); flex: none; margin-top: 1px; }
.check-list li b { color: var(--navy); }

/* ============================================================
   CTA BAND
   ============================================================ */
.cta-band {
  background:
    radial-gradient(800px 400px at 85% 120%, #1c4576 0%, transparent 60%),
    linear-gradient(135deg, var(--navy), #0b2138);
  color: var(--white); position: relative; overflow: hidden; text-align: center;
}
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,0.06) 1px, transparent 0);
  background-size: 30px 30px; opacity: 0.6; pointer-events: none;
}
.cta-band .container { position: relative; z-index: 1; }
.cta-band h2 { color: var(--white); margin-bottom: 12px; }
.cta-band p { color: #C7D6E6; font-size: 1.12rem; max-width: 620px; margin: 0 auto 28px; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ============================================================
   PAGE HERO (interior pages)
   ============================================================ */
.page-hero {
  background:
    radial-gradient(900px 460px at 90% -20%, #1c4576 0%, transparent 55%),
    linear-gradient(160deg, var(--navy), #0b2138);
  color: var(--white); position: relative; overflow: hidden;
}
.page-hero::before {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 44px 44px;
  -webkit-mask-image: radial-gradient(120% 120% at 50% 0%, #000 30%, transparent 78%);
  mask-image: radial-gradient(120% 120% at 50% 0%, #000 30%, transparent 78%);
}
.page-hero .container { position: relative; z-index: 1; padding-top: 70px; padding-bottom: 70px; }
.page-hero h1 { color: var(--white); max-width: 760px; }
.page-hero p { color: #C7D6E6; font-size: 1.18rem; max-width: 640px; margin: 0; }
.breadcrumb { font-size: 0.86rem; color: #92aac2; margin-bottom: 16px; }
.breadcrumb a { color: #B9C9DA; }
.breadcrumb a:hover { color: var(--accent); }
.breadcrumb span { color: var(--accent); }

/* ============================================================
   CONTACT
   ============================================================ */
.contact-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 48px; align-items: start; }
.contact-info-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 32px; box-shadow: var(--shadow-sm);
}
.contact-line { display: flex; gap: 15px; padding: 16px 0; border-bottom: 1px solid var(--border); }
.contact-line:last-child { border-bottom: none; }
.contact-line .ci-icon {
  width: 44px; height: 44px; border-radius: 10px; flex: none;
  background: var(--light); color: var(--steel); display: flex; align-items: center; justify-content: center;
  border: 1px solid var(--border);
}
.contact-line .ci-icon svg { width: 22px; height: 22px; }
.contact-line h4 { font-family: var(--font-body); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--slate); margin: 0 0 3px; font-weight: 700; }
.contact-line a, .contact-line p { margin: 0; font-weight: 600; color: var(--navy); }
.form-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 34px; box-shadow: var(--shadow-md);
}
.form-card h2 { font-size: 1.5rem; margin-bottom: 6px; }
.form-card > p { color: var(--slate); margin-bottom: 22px; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: #0b2138; color: #A7BBD0; padding: 64px 0 0; font-size: 0.94rem; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 48px; }
.footer-brand .brand-name { color: var(--white); }
.footer-about { margin: 18px 0; max-width: 320px; color: #92aac2; }
.footer-disclaimer { font-size: 0.8rem; color: #6f88a3; max-width: 340px; }
.footer-col h4 { color: var(--white); font-family: var(--font-body); font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 16px; }
.footer-col ul { list-style: none; padding: 0; margin: 0; }
.footer-col li { margin-bottom: 11px; }
.footer-col a { color: #A7BBD0; }
.footer-col a:hover { color: var(--accent); }
.footer-contact-line { display: flex; align-items: center; gap: 9px; margin-bottom: 11px; }
.footer-contact-line svg { width: 16px; height: 16px; color: var(--accent); flex: none; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08); padding: 22px 0;
  display: flex; flex-wrap: wrap; gap: 12px; align-items: center; justify-content: space-between;
  color: #7f97b1; font-size: 0.85rem;
}
.footer-bottom .badges { display: flex; gap: 14px; align-items: center; }
.footer-bottom .badges svg { width: 22px; height: 22px; color: #7f97b1; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .cards-grid, .testi-grid, .ind-grid { grid-template-columns: repeat(2, 1fr); }
  .ind-strip { grid-template-columns: repeat(3, 1fr); }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat { border-bottom: 1px solid rgba(255,255,255,0.1); }
  .stat:nth-child(2) { border-right: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 860px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; padding: 60px 0 70px; }
  .split, .contact-grid { grid-template-columns: 1fr; gap: 36px; }
  .section { padding: 64px 0; }
}
@media (max-width: 680px) {
  body { font-size: 16px; }
  .cards-grid, .testi-grid, .ind-grid, .values-grid, .steps, .ind-strip { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; }
  .stat:nth-child(2) { border-right: none; }
  .svc-detail { grid-template-columns: 1fr; padding: 26px; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .section-head { margin-bottom: 34px; }
}

/* ============================================================
   FOOTER — enhancements (social, legal, trust row)
   ============================================================ */
.footer-grid { grid-template-columns: 1.7fr 1fr 1fr 1fr 1.25fr; }
.footer-social { display: flex; gap: 10px; margin-top: 20px; }
.footer-social a {
  width: 38px; height: 38px; border-radius: var(--radius-sm); flex: none;
  display: inline-flex; align-items: center; justify-content: center;
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1);
  color: #A7BBD0; transition: all 0.2s var(--ease);
}
.footer-social a:hover { color: var(--navy); background: var(--accent); border-color: var(--accent); transform: translateY(-2px); }
.footer-social svg { width: 18px; height: 18px; }
.footer-hours { font-size: 0.86rem; color: #92aac2; margin: 4px 0 0; }
.footer-trust {
  border-top: 1px solid rgba(255,255,255,0.08);
  display: flex; flex-wrap: wrap; align-items: center; justify-content: center;
  gap: 14px 40px; padding: 26px 0;
}
.footer-trust .ft-badge { display: inline-flex; align-items: center; gap: 9px; color: #8ba2bc; font-weight: 600; font-size: 0.85rem; }
.footer-trust .ft-badge svg { width: 22px; height: 22px; color: #A7BBD0; flex: none; }
.footer-trust .ft-badge .seal { color: var(--accent); }

@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 680px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}

/* ============================================================
   SCROLL PROGRESS BAR + BACK TO TOP
   ============================================================ */
.scroll-progress {
  position: fixed; top: 0; left: 0; height: 3px; width: 0%;
  background: linear-gradient(90deg, var(--accent), #e0c351);
  z-index: 200; transition: width 0.08s linear; pointer-events: none;
}
.to-top {
  position: fixed; right: 22px; bottom: 22px; z-index: 150;
  width: 48px; height: 48px; border-radius: 50%; border: none; cursor: pointer;
  background: var(--navy); color: var(--accent);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-lg); opacity: 0; visibility: hidden;
  transform: translateY(14px); transition: opacity 0.25s var(--ease), transform 0.25s var(--ease), visibility 0.25s;
}
.to-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.to-top:hover { background: var(--navy-tint); color: var(--accent); }
.to-top svg { width: 22px; height: 22px; }

/* ============================================================
   COOKIE CONSENT BANNER
   ============================================================ */
.cookie-banner {
  position: fixed; left: 22px; right: 22px; bottom: 22px; z-index: 180;
  max-width: 760px; margin: 0 auto;
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 20px 24px;
  display: flex; flex-wrap: wrap; align-items: center; gap: 16px 24px;
  transform: translateY(140%); transition: transform 0.35s var(--ease);
}
.cookie-banner.show { transform: translateY(0); }
.cookie-banner .cb-text { flex: 1 1 320px; color: var(--slate); font-size: 0.92rem; margin: 0; }
.cookie-banner .cb-text b { color: var(--navy); }
.cookie-banner .cb-actions { display: flex; gap: 10px; flex-wrap: wrap; }
.cookie-banner .btn { padding: 10px 20px; font-size: 0.9rem; }

/* ============================================================
   FUNDING CALCULATOR
   ============================================================ */
.calc-card {
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 0;
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-md); overflow: hidden;
}
.calc-inputs { padding: 38px; }
.calc-result {
  padding: 38px; color: var(--white);
  background: linear-gradient(155deg, var(--navy), #0b2138); position: relative; overflow: hidden;
  display: flex; flex-direction: column; justify-content: center;
}
.calc-result::after {
  content: ""; position: absolute; right: -50px; bottom: -50px; width: 220px; height: 220px;
  opacity: 0.14; background: radial-gradient(circle, var(--accent) 0%, transparent 70%);
}
.calc-field { margin-bottom: 26px; }
.calc-field > .calc-label { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; }
.calc-field .calc-label label { font-weight: 600; color: var(--navy); font-size: 0.92rem; }
.calc-field .calc-val { font-family: var(--font-head); font-weight: 600; color: var(--steel); font-size: 1.15rem; }
.calc-field input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 6px;
  border-radius: 100px; background: var(--border-strong); outline-offset: 4px; cursor: pointer;
}
.calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--navy); border: 3px solid var(--accent); box-shadow: var(--shadow-sm); cursor: pointer;
}
.calc-field input[type="range"]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--navy); border: 3px solid var(--accent); cursor: pointer;
}
.calc-ticks { display: flex; justify-content: space-between; font-size: 0.76rem; color: var(--slate); margin-top: 7px; }
.calc-result .cr-label { color: #B9C9DA; font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.12em; font-weight: 600; margin: 0 0 6px; position: relative; z-index: 1; }
.calc-result .cr-big { font-family: var(--font-head); font-weight: 600; color: var(--accent); font-size: clamp(2.2rem, 5vw, 3rem); line-height: 1; position: relative; z-index: 1; }
.calc-result .cr-sub { color: #C7D6E6; margin: 18px 0 0; position: relative; z-index: 1; }
.calc-result .cr-row { display: flex; justify-content: space-between; padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,0.12); position: relative; z-index: 1; }
.calc-result .cr-row:last-of-type { border-bottom: none; }
.calc-result .cr-row span { color: #B9C9DA; font-size: 0.92rem; }
.calc-result .cr-row b { color: var(--white); font-weight: 600; }
.calc-disclaimer { font-size: 0.78rem; color: var(--slate); margin: 18px 0 0; }
@media (max-width: 760px) { .calc-card { grid-template-columns: 1fr; } .calc-inputs, .calc-result { padding: 28px; } }

/* ============================================================
   TESTIMONIAL CAROUSEL
   ============================================================ */
.carousel { position: relative; max-width: 820px; margin: 0 auto; }
.carousel-viewport { overflow: hidden; }
.carousel-track { display: flex; transition: transform 0.5s var(--ease); }
.carousel-slide { min-width: 100%; padding: 4px; }
.carousel-slide .testi { height: 100%; }
.carousel-nav { display: flex; align-items: center; justify-content: center; gap: 18px; margin-top: 26px; }
.carousel-btn {
  width: 46px; height: 46px; border-radius: 50%; flex: none; cursor: pointer;
  background: var(--white); border: 1.5px solid var(--border-strong); color: var(--navy);
  display: flex; align-items: center; justify-content: center; transition: all 0.2s var(--ease);
}
.carousel-btn:hover { border-color: var(--navy); background: var(--navy); color: var(--white); }
.carousel-btn svg { width: 20px; height: 20px; }
.carousel-dots { display: flex; gap: 9px; align-items: center; }
.carousel-dot {
  width: 10px; height: 10px; border-radius: 50%; border: none; padding: 0; cursor: pointer;
  background: var(--border-strong); transition: all 0.2s var(--ease);
}
.carousel-dot.active { background: var(--accent); transform: scale(1.25); }
.carousel-dot:hover { background: var(--steel); }

/* ============================================================
   APPLICATION WIZARD
   ============================================================ */
.wizard-wrap { max-width: 760px; margin: 0 auto; }
.wizard-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-md); padding: 40px; position: relative; overflow: hidden;
}
.wizard-card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--accent), #e0c351);
}
.wizard-progress { margin-bottom: 32px; }
.wizard-bar { height: 8px; border-radius: 100px; background: var(--light); overflow: hidden; margin-bottom: 18px; }
.wizard-bar-fill { height: 100%; width: 25%; border-radius: 100px; background: linear-gradient(90deg, var(--steel), var(--navy)); transition: width 0.45s var(--ease); }
.wizard-steps { display: flex; justify-content: space-between; gap: 6px; }
.wizard-steps .ws { display: flex; flex-direction: column; align-items: center; gap: 7px; flex: 1; text-align: center; }
.wizard-steps .ws-dot {
  width: 34px; height: 34px; border-radius: 50%; flex: none;
  display: flex; align-items: center; justify-content: center;
  background: var(--light); border: 1.5px solid var(--border-strong); color: var(--slate);
  font-weight: 600; font-size: 0.92rem; transition: all 0.3s var(--ease);
}
.wizard-steps .ws-dot svg { width: 17px; height: 17px; }
.wizard-steps .ws-label { font-size: 0.78rem; color: var(--slate); font-weight: 600; }
.wizard-steps .ws.active .ws-dot { background: var(--navy); border-color: var(--navy); color: var(--accent); }
.wizard-steps .ws.active .ws-label { color: var(--navy); }
.wizard-steps .ws.done .ws-dot { background: var(--steel); border-color: var(--steel); color: var(--white); }
@media (max-width: 560px) { .wizard-steps .ws-label { display: none; } .wizard-card { padding: 28px 22px; } }

.wizard-step { display: none; animation: wzfade 0.35s var(--ease); border: 0; padding: 0; margin: 0; min-width: 0; }
.wizard-step.active { display: block; }
@keyframes wzfade { from { opacity: 0; transform: translateX(10px); } to { opacity: 1; transform: translateX(0); } }
.wizard-step h3 { font-size: 1.4rem; margin-bottom: 4px; }
.wizard-step .ws-intro { color: var(--slate); margin-bottom: 24px; }
.field .err-msg { display: none; color: #b3402f; font-size: 0.82rem; margin-top: 5px; font-weight: 600; }
.field.has-error input, .field.has-error select { border-color: #b3402f; box-shadow: 0 0 0 3px rgba(179,64,47,0.12); }
.field.has-error .err-msg { display: block; }
.range-display { text-align: center; margin-bottom: 8px; }
.range-display .rd-val { font-family: var(--font-head); font-weight: 600; color: var(--navy); font-size: clamp(2rem,5vw,2.8rem); line-height: 1; }
.checkbox-field { display: flex; align-items: flex-start; gap: 11px; margin: 4px 0 8px; }
.checkbox-field input { width: 18px; height: 18px; margin-top: 3px; flex: none; accent-color: var(--steel); }
.checkbox-field label { font-weight: 500; color: var(--slate); font-size: 0.92rem; }
.wizard-actions { display: flex; justify-content: space-between; gap: 14px; margin-top: 30px; }
.wizard-actions .btn-back[hidden] { visibility: hidden; }

.review-list { list-style: none; padding: 0; margin: 0 0 8px; }
.review-list li { display: flex; justify-content: space-between; gap: 16px; padding: 13px 0; border-bottom: 1px solid var(--border); }
.review-list li:last-child { border-bottom: none; }
.review-list .rv-label { color: var(--slate); font-size: 0.92rem; }
.review-list .rv-val { font-weight: 600; color: var(--navy); text-align: right; }
.review-group h4 { font-family: var(--font-body); font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--steel); margin: 22px 0 2px; }
.review-group:first-child h4 { margin-top: 0; }

.wizard-success { display: none; text-align: center; padding: 20px 10px 6px; animation: wzfade 0.4s var(--ease); }
.wizard-success.show { display: block; }
.wizard-success .ws-check {
  width: 84px; height: 84px; border-radius: 50%; margin: 0 auto 22px;
  background: #f1f8f1; border: 2px solid #bfe0bf; color: #2f8a45;
  display: flex; align-items: center; justify-content: center;
}
.wizard-success .ws-check svg { width: 44px; height: 44px; }
.wizard-success .ws-ring { stroke-dasharray: 60; stroke-dashoffset: 60; animation: wzdraw 0.6s 0.15s var(--ease) forwards; }
@keyframes wzdraw { to { stroke-dashoffset: 0; } }
.wizard-success h2 { margin-bottom: 10px; }
.wizard-success p { color: var(--slate); max-width: 440px; margin: 0 auto 24px; }

/* ============================================================
   BLOG / INSIGHTS
   ============================================================ */
.blog-featured {
  display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 0; align-items: stretch;
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-md); overflow: hidden; margin-bottom: 48px;
}
.blog-featured .bf-media {
  background: radial-gradient(700px 400px at 30% 20%, #1c4576 0%, transparent 60%), linear-gradient(160deg, var(--navy), #0b2138);
  position: relative; min-height: 300px; overflow: hidden;
}
.blog-featured .bf-media::before {
  content: ""; position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 40px 40px;
}
.blog-featured .bf-media svg { position: absolute; right: -20px; bottom: -20px; width: 200px; height: 200px; color: var(--accent); opacity: 0.5; }
.blog-featured .bf-body { padding: 40px; display: flex; flex-direction: column; }
.cat-tag { display: inline-flex; align-self: flex-start; align-items: center; background: var(--light); border: 1px solid var(--border); color: var(--steel); font-weight: 600; font-size: 0.74rem; letter-spacing: 0.08em; text-transform: uppercase; padding: 5px 12px; border-radius: 100px; margin-bottom: 14px; }
.blog-featured h2 { font-size: clamp(1.6rem, 3vw, 2rem); margin-bottom: 10px; }
.blog-featured p { color: var(--slate); flex: 1; }
.post-meta { display: flex; flex-wrap: wrap; gap: 8px 16px; color: var(--slate); font-size: 0.85rem; margin-top: 12px; }
.post-meta span { display: inline-flex; align-items: center; gap: 6px; }
.post-meta svg { width: 15px; height: 15px; color: var(--steel); }
@media (max-width: 760px) { .blog-featured { grid-template-columns: 1fr; } .blog-featured .bf-media { min-height: 180px; } }

.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.post-card {
  display: flex; flex-direction: column; background: var(--white);
  border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm);
  overflow: hidden; transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease), border-color 0.2s var(--ease);
}
.post-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--border-strong); }
.post-card .pc-media {
  height: 158px; position: relative; overflow: hidden;
  background: radial-gradient(500px 300px at 70% 10%, #1c4576 0%, transparent 60%), linear-gradient(155deg, var(--navy), #0b2138);
}
.post-card .pc-media svg { position: absolute; right: 16px; bottom: 14px; width: 60px; height: 60px; color: var(--accent); opacity: 0.55; }
.post-card .pc-media .cat-tag { position: absolute; top: 14px; left: 14px; margin: 0; background: rgba(255,255,255,0.92); }
.post-card .pc-body { padding: 24px; display: flex; flex-direction: column; flex: 1; }
.post-card h3 { font-size: 1.18rem; margin-bottom: 8px; }
.post-card h3 a { color: var(--navy); }
.post-card h3 a:hover { color: var(--steel); }
.post-card p { color: var(--slate); font-size: 0.95rem; flex: 1; }
@media (max-width: 980px) { .blog-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .blog-grid { grid-template-columns: 1fr; } }

.newsletter {
  background: linear-gradient(155deg, var(--navy), #0b2138); color: var(--white);
  border-radius: var(--radius); padding: 48px; text-align: center; position: relative; overflow: hidden;
}
.newsletter::before {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,0.06) 1px, transparent 0);
  background-size: 28px 28px; opacity: 0.6;
}
.newsletter > * { position: relative; z-index: 1; }
.newsletter h2 { color: var(--white); margin-bottom: 8px; }
.newsletter p { color: #C7D6E6; max-width: 520px; margin: 0 auto 24px; }
.newsletter-form { display: flex; gap: 12px; max-width: 480px; margin: 0 auto; }
.newsletter-form input { flex: 1; padding: 13px 16px; border-radius: var(--radius-sm); border: 1.5px solid transparent; font-family: var(--font-body); font-size: 1rem; }
.newsletter-form input:focus { outline: none; box-shadow: 0 0 0 3px rgba(201,162,39,0.4); }
.newsletter .nl-note { font-size: 0.8rem; color: #92aac2; margin: 14px 0 0; }
.newsletter .form-success { max-width: 480px; margin: 0 auto; text-align: left; }
@media (max-width: 520px) { .newsletter-form { flex-direction: column; } .newsletter { padding: 36px 24px; } }

/* ============================================================
   ARTICLE
   ============================================================ */
.article-wrap { max-width: 760px; margin: 0 auto; }
.article-body { font-size: 1.08rem; }
.article-body h2 { font-size: 1.7rem; margin: 40px 0 14px; }
.article-body h3 { font-size: 1.28rem; margin: 30px 0 10px; }
.article-body p { color: #2c3e4f; margin-bottom: 1.2rem; }
.article-body ul, .article-body ol { color: #2c3e4f; margin-bottom: 1.3rem; padding-left: 1.4rem; }
.article-body ul li, .article-body ol li { margin-bottom: 8px; }
.article-meta { display: flex; flex-wrap: wrap; align-items: center; gap: 14px; margin: 18px 0 0; }
.article-meta .avatar { width: 44px; height: 44px; font-size: 1rem; }
.article-meta .am-name { font-weight: 600; color: var(--navy); }
.article-meta .am-sub { color: var(--slate); font-size: 0.86rem; }
.pull-quote {
  border-left: 4px solid var(--accent); padding: 6px 0 6px 26px; margin: 32px 0;
  font-family: var(--font-head); font-size: 1.5rem; line-height: 1.4; color: var(--navy); font-style: italic;
}
.callout {
  background: var(--light); border: 1px solid var(--border); border-left: 4px solid var(--steel);
  border-radius: var(--radius-sm); padding: 22px 26px; margin: 30px 0; display: flex; gap: 16px;
}
.callout svg { width: 26px; height: 26px; color: var(--steel); flex: none; margin-top: 2px; }
.callout p { margin: 0; color: var(--slate); }
.callout strong { color: var(--navy); }
.takeaways { background: var(--navy); color: #DDE7F1; border-radius: var(--radius); padding: 32px; margin: 36px 0; }
.takeaways h3 { color: var(--white); margin-bottom: 16px; }
.takeaways ul { list-style: none; padding: 0; margin: 0; }
.takeaways li { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 13px; color: #C7D6E6; }
.takeaways li svg { width: 22px; height: 22px; color: var(--accent); flex: none; margin-top: 2px; }
.share-row { display: flex; align-items: center; gap: 12px; margin: 32px 0; padding: 18px 0; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.share-row span { font-weight: 600; color: var(--navy); font-size: 0.9rem; }
.share-row a {
  width: 40px; height: 40px; border-radius: 50%; flex: none;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--light); border: 1px solid var(--border); color: var(--slate); transition: all 0.2s var(--ease);
}
.share-row a:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
.share-row svg { width: 18px; height: 18px; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
@media (max-width: 760px) { .related-grid { grid-template-columns: 1fr; } }

/* ============================================================
   LEGAL PAGES
   ============================================================ */
.legal-wrap { max-width: 820px; margin: 0 auto; }
.legal-note {
  background: #fdf6e3; border: 1px solid #e8d89a; border-radius: var(--radius-sm);
  padding: 16px 20px; margin-bottom: 14px; color: #6b5a1e; font-size: 0.92rem;
}
.legal-note strong { color: #4d4012; }
.legal-updated { color: var(--slate); font-size: 0.9rem; margin-bottom: 36px; }
.legal-toc { background: var(--light); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px 28px; margin-bottom: 40px; }
.legal-toc h2 { font-size: 1.1rem; margin-bottom: 14px; }
.legal-toc ol { margin: 0; padding-left: 1.3rem; columns: 2; column-gap: 32px; }
.legal-toc li { margin-bottom: 8px; }
@media (max-width: 560px) { .legal-toc ol { columns: 1; } }
.legal-section { margin-bottom: 34px; scroll-margin-top: 90px; }
.legal-section h2 { font-size: 1.45rem; margin-bottom: 10px; display: flex; gap: 12px; align-items: baseline; }
.legal-section h2 .ls-num { color: var(--steel); font-size: 1.1rem; flex: none; }
.legal-section p, .legal-section li { color: #2c3e4f; }
.legal-section ul { padding-left: 1.4rem; }

/* ============================================================
   DETAIL PAGES (service-* / industry-*)
   ============================================================ */
/* Hero key-term badges */
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 22px; }
.hero-badges .badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.07); border: 1px solid rgba(255,255,255,0.16);
  border-radius: 100px; padding: 8px 16px; font-size: 0.9rem; color: #DDE7F1;
}
.hero-badges .badge svg { width: 16px; height: 16px; color: var(--accent); flex: none; }
.hero-badges .badge b { color: var(--white); font-weight: 600; }

/* Two-column detail layout: main + sticky aside */
.detail-layout { display: grid; grid-template-columns: 1fr 320px; gap: 48px; align-items: start; }
.detail-main > section { margin-bottom: 48px; }
.detail-main > section:last-child { margin-bottom: 0; }
.detail-main h2 { font-size: 1.7rem; margin-bottom: 14px; }
.detail-main h2:not(:first-child) { margin-top: 6px; }
.detail-main p { color: #2c3e4f; }
.detail-aside { position: sticky; top: 98px; display: flex; flex-direction: column; gap: 20px; }
.aside-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-sm); padding: 26px;
}
.aside-card h3 { font-size: 1.12rem; margin-bottom: 14px; }
.aside-card .terms-list { list-style: none; padding: 0; margin: 0; }
.aside-card .terms-list li { display: flex; justify-content: space-between; gap: 14px; padding: 11px 0; border-bottom: 1px solid var(--border); font-size: 0.94rem; }
.aside-card .terms-list li:last-child { border-bottom: none; }
.aside-card .terms-list .tl-label { color: var(--slate); }
.aside-card .terms-list .tl-val { font-weight: 600; color: var(--navy); text-align: right; }
.aside-card.aside-cta {
  background: linear-gradient(155deg, var(--navy), #0b2138); color: var(--white); position: relative; overflow: hidden;
}
.aside-card.aside-cta::after {
  content: ""; position: absolute; right: -40px; bottom: -40px; width: 180px; height: 180px;
  opacity: 0.14; background: radial-gradient(circle, var(--accent) 0%, transparent 70%);
}
.aside-card.aside-cta h3 { color: var(--white); position: relative; z-index: 1; }
.aside-card.aside-cta p { color: #C7D6E6; font-size: 0.94rem; position: relative; z-index: 1; }
.aside-card.aside-cta .btn { position: relative; z-index: 1; }
@media (max-width: 920px) {
  .detail-layout { grid-template-columns: 1fr; gap: 40px; }
  .detail-aside { position: static; }
}

/* "Best for" use-case list */
.usecase-list { list-style: none; padding: 0; margin: 0; }
.usecase-list li { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 13px; color: #2c3e4f; }
.usecase-list li svg { width: 22px; height: 22px; color: var(--steel); flex: none; margin-top: 2px; }

/* Numbered "how it works" steps (stacked, compact) */
.flow-steps { list-style: none; padding: 0; margin: 0; counter-reset: flow; }
.flow-steps li {
  position: relative; padding: 0 0 22px 60px; counter-increment: flow;
}
.flow-steps li::before {
  content: counter(flow); position: absolute; left: 0; top: 0;
  width: 40px; height: 40px; border-radius: 10px;
  background: var(--navy); color: var(--accent);
  font-family: var(--font-head); font-weight: 600; font-size: 1.1rem;
  display: flex; align-items: center; justify-content: center;
}
.flow-steps li::after {
  content: ""; position: absolute; left: 19px; top: 44px; bottom: 6px; width: 2px; background: var(--border-strong);
}
.flow-steps li:last-child { padding-bottom: 0; }
.flow-steps li:last-child::after { display: none; }
.flow-steps li h3 { font-size: 1.1rem; margin: 6px 0 4px; }
.flow-steps li p { color: var(--slate); margin: 0; font-size: 0.97rem; }

/* Benefits grid (compact icon cards) */
.benefit-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.benefit {
  display: flex; gap: 14px; background: var(--white); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 20px 22px; box-shadow: var(--shadow-sm);
}
.benefit .b-icon {
  width: 44px; height: 44px; border-radius: 10px; flex: none;
  background: var(--light); color: var(--steel); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
}
.benefit .b-icon svg { width: 24px; height: 24px; }
.benefit h3 { font-size: 1.05rem; margin: 2px 0 4px; }
.benefit p { color: var(--slate); font-size: 0.92rem; margin: 0; }
@media (max-width: 560px) { .benefit-grid { grid-template-columns: 1fr; } }

/* Rates & requirements split panels */
.info-split { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; }
.info-panel {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-sm); padding: 26px 28px;
}
.info-panel h3 { font-size: 1.15rem; margin-bottom: 14px; }
.info-panel .rate-list { list-style: none; padding: 0; margin: 0; }
.info-panel .rate-list li { display: flex; justify-content: space-between; gap: 16px; padding: 11px 0; border-bottom: 1px solid var(--border); }
.info-panel .rate-list li:last-child { border-bottom: none; }
.info-panel .rate-list .r-label { color: var(--slate); font-size: 0.94rem; }
.info-panel .rate-list .r-val { font-weight: 600; color: var(--navy); text-align: right; }
@media (max-width: 620px) { .info-split { grid-template-columns: 1fr; } }

/* Related funding cards */
.related-funding { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.rf-card {
  display: flex; flex-direction: column; background: var(--white);
  border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm);
  padding: 24px; transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease), border-color 0.2s var(--ease);
}
.rf-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--border-strong); }
.rf-card .card-icon { width: 46px; height: 46px; margin-bottom: 14px; }
.rf-card .card-icon svg { width: 24px; height: 24px; }
.rf-card h3 { font-size: 1.12rem; margin-bottom: 6px; }
.rf-card p { color: var(--slate); font-size: 0.93rem; flex: 1; margin-bottom: 14px; }
@media (max-width: 860px) { .related-funding { grid-template-columns: 1fr; } }

/* Single testimonial (inline) */
.testi-single {
  background: var(--white); border: 1px solid var(--border); border-left: 4px solid var(--accent);
  border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 30px 32px;
}
.testi-single .stars { color: var(--accent); display: flex; gap: 2px; margin-bottom: 12px; }
.testi-single .stars svg { width: 18px; height: 18px; }
.testi-single blockquote { margin: 0 0 18px; font-family: var(--font-head); font-size: 1.22rem; line-height: 1.45; color: var(--navy); }
.testi-single .testi-author { margin-top: 0; }

/* Industry stat cards */
.stat-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.stat-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-sm); padding: 26px; text-align: center;
}
.stat-card .sc-num { font-family: var(--font-head); font-weight: 600; color: var(--steel); font-size: clamp(1.8rem, 3vw, 2.3rem); line-height: 1; }
.stat-card .sc-label { color: var(--slate); font-size: 0.92rem; margin-top: 8px; }
@media (max-width: 680px) { .stat-cards { grid-template-columns: 1fr; } }

/* Eligibility note band */
.elig-note {
  background: var(--light); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 26px 30px; display: flex; gap: 18px; align-items: flex-start;
}
.elig-note .en-icon {
  width: 46px; height: 46px; border-radius: 10px; flex: none;
  background: var(--white); color: var(--steel); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
}
.elig-note .en-icon svg { width: 24px; height: 24px; }
.elig-note h3 { font-size: 1.12rem; margin-bottom: 6px; }
.elig-note p { color: var(--slate); margin: 0; font-size: 0.96rem; }
.elig-note ul { margin: 8px 0 0; padding-left: 1.2rem; color: var(--slate); }
.elig-note ul li { margin-bottom: 4px; }
.elig-note ul li b { color: var(--navy); }

/* ============================================================
   VECTOR VISUAL TREATMENT (photo-free)
   Brand: navy/steel gradient panels, gold compass/north-star
   motif, tidy 8px corners, 1px border. Reuses existing tokens.
   ============================================================ */

/* ---- Home: "why us" vector panel (replaces framed photo) ---- */
.media-frame {
  position: relative; border-radius: var(--radius); overflow: hidden;
  border: 1px solid var(--border); box-shadow: var(--shadow-lg);
}
.media-frame--vector {
  min-height: 380px; display: flex; flex-direction: column;
  justify-content: flex-end; padding: 32px;
  background:
    radial-gradient(700px 420px at 28% 18%, #1c4576 0%, transparent 60%),
    linear-gradient(160deg, var(--navy), #0b2138);
}
.media-frame--vector::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 42px 42px;
}
.media-frame--vector .mf-compass {
  position: absolute; top: 26px; right: 22px; width: 150px; height: 150px;
  color: var(--accent); opacity: 0.5; pointer-events: none;
}
.media-frame--vector .mf-stats {
  position: relative; display: grid; gap: 16px;
}
.media-frame--vector .mf-stat b {
  display: block; font-family: var(--font-head); color: var(--white);
  font-size: 1.9rem; line-height: 1.1;
}
.media-frame--vector .mf-stat span { color: #AFC3D7; font-size: 0.9rem; }

/* ---- About: leadership initials avatars (replaces headshots) ---- */
.member .member-avatar {
  width: 96px; height: 96px; border-radius: 50%; margin: 0 auto 16px;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-head); font-weight: 600; font-size: 1.9rem; letter-spacing: 0.02em;
  color: var(--white);
  background: radial-gradient(120% 120% at 30% 20%, #1c4576 0%, var(--navy) 70%);
  border: 3px solid var(--white); box-shadow: 0 0 0 2px var(--accent);
}

/* ---- About / split story vector panel (replaces photo) ---- */
.story-vector {
  position: relative; width: 100%; min-height: 300px; overflow: hidden;
  display: flex; align-items: center; justify-content: center;
  border-radius: var(--radius); border: 1px solid var(--border); box-shadow: var(--shadow-md);
  background:
    radial-gradient(600px 360px at 70% 18%, #1c4576 0%, transparent 60%),
    linear-gradient(160deg, var(--navy), #0b2138);
}
.story-vector::before {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 40px 40px;
}
.story-vector svg { position: relative; width: 120px; height: 120px; color: var(--accent); opacity: 0.85; }
.story-vector .sv-caption {
  position: absolute; bottom: 20px; left: 0; right: 0; text-align: center;
  color: #AFC3D7; font-size: 0.88rem; letter-spacing: 0.02em;
}

/* ---- Industries grid: card vector header (replaces photo) ---- */
.ind-card { padding: 0; overflow: hidden; }
.ind-card .ind-panel {
  position: relative; width: 100%; aspect-ratio: 16 / 9;
  display: flex; align-items: center; justify-content: center;
  border-bottom: 1px solid var(--border);
  background:
    radial-gradient(420px 240px at 70% 16%, #1c4576 0%, transparent 60%),
    linear-gradient(155deg, var(--navy), #0b2138);
}
.ind-card .ind-panel::before {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.045) 1px, transparent 1px);
  background-size: 32px 32px;
}
.ind-card .ind-panel-icon {
  position: relative; width: 58px; height: 58px; color: var(--accent);
}
.ind-card .ind-card-body {
  padding: 24px 24px 26px; display: flex; flex-direction: column; flex: 1;
}
.ind-card .ind-card-body > p { flex: 1; }

/* ---- Blog featured + post-card: compass SVG sits on existing gradient panels ---- */
.blog-featured .bf-media .cat-tag { z-index: 2; }

/* ---- Article hero vector panel (replaces feature photo) ---- */
.article-hero-media { margin: 0 auto 8px; max-width: 920px; }
.article-hero-media--vector {
  position: relative; width: 100%; aspect-ratio: 2 / 1; overflow: hidden;
  display: flex; align-items: center; justify-content: center;
  border-radius: var(--radius); border: 1px solid var(--border); box-shadow: var(--shadow-md);
  background:
    radial-gradient(700px 360px at 72% 14%, #1c4576 0%, transparent 60%),
    linear-gradient(160deg, var(--navy), #0b2138);
}
.article-hero-media--vector::before {
  content: ""; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 44px 44px;
}
.article-hero-media--vector svg { position: relative; width: 120px; height: 120px; color: var(--accent); opacity: 0.8; }
.article-hero-media--vector .ahm-tag {
  position: absolute; top: 18px; left: 18px; z-index: 2;
  display: inline-flex; align-items: center; background: rgba(255,255,255,0.92);
  color: var(--steel); font-weight: 600; font-size: 0.74rem; letter-spacing: 0.08em;
  text-transform: uppercase; padding: 5px 12px; border-radius: 100px;
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}

/* ===== Conversion boosters (CX): sticky CTA, exit-intent, social proof ===== */
:root { --cx-accent: var(--navy); --cx-accent-ink: #FFFFFF; --cx-surface: var(--white); --cx-text: var(--ink); --cx-muted: var(--slate); --cx-line: var(--border-strong); --cx-bw: 1px; --cx-radius: var(--radius); --cx-radius-lg: 12px; --cx-kicker: var(--steel); --cx-check: var(--steel); }

/* Sticky mobile CTA bar */
.cx-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 9990; display: none; padding: 9px 14px calc(10px + env(safe-area-inset-bottom)); background: var(--cx-surface, #fff); border-top: var(--cx-bw, 1px) solid var(--cx-line, rgba(0,0,0,.14)); box-shadow: 0 -12px 32px rgba(0,0,0,.22); transform: translateY(110%); transition: transform .35s ease; }
.cx-bar.show { transform: none; }
.cx-bar-note { font-size: .72rem; letter-spacing: .02em; color: var(--cx-muted, #777); text-align: center; margin-bottom: 7px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.cx-bar-btns { display: flex; gap: 10px; }
.cx-btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font-weight: 700; font-size: .95rem; line-height: 1; padding: 14px 18px; border-radius: var(--cx-radius, 10px); text-decoration: none; cursor: pointer; border: 0; }
.cx-bar .cx-btn { flex: 1; }
.cx-bar .cx-btn-solid { flex: 1.6; }
.cx-btn-solid { background: var(--cx-accent, #111); color: var(--cx-accent-ink, #fff); }
.cx-btn-ghost { background: transparent; color: var(--cx-text, #111); border: var(--cx-bw, 1px) solid var(--cx-line, rgba(0,0,0,.25)); }
@media (max-width: 820px) {
  .cx-bar { display: block; }
  body.cx-bar-on .cookie-banner { bottom: 104px !important; }
  body.cx-bar-on .to-top { bottom: 104px !important; }
}

/* Exit-intent modal */
.cx-modal { position: fixed; inset: 0; z-index: 9999; display: none; align-items: center; justify-content: center; padding: 24px; background: rgba(8, 10, 14, .6); backdrop-filter: blur(5px); }
.cx-modal.open { display: flex; animation: cxFade .25s ease; }
@keyframes cxFade { from { opacity: 0; } to { opacity: 1; } }
.cx-modal-card { position: relative; width: min(520px, 100%); background: var(--cx-surface, #fff); color: var(--cx-text, #111); border: var(--cx-bw, 1px) solid var(--cx-line, rgba(0,0,0,.14)); border-radius: var(--cx-radius-lg, 18px); padding: 36px 34px 28px; box-shadow: 0 40px 90px rgba(0,0,0,.4); text-align: left; }
.cx-modal-x { position: absolute; top: 12px; right: 16px; background: none; border: 0; font-size: 1.7rem; line-height: 1; color: var(--cx-muted, #888); cursor: pointer; padding: 4px; }
.cx-modal-x:hover { color: var(--cx-text, #111); }
.cx-modal-kicker { display: inline-block; font-size: .74rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--cx-kicker, var(--cx-muted, #888)); margin-bottom: 10px; }
.cx-modal-title { font-size: clamp(1.4rem, 3vw, 1.75rem); line-height: 1.18; margin: 0 0 10px; color: var(--cx-text, #111); }
.cx-modal-sub { font-size: .96rem; color: var(--cx-muted, #666); margin: 0 0 18px; }
.cx-modal-list { list-style: none; margin: 0 0 22px; padding: 0; display: grid; gap: 10px; }
.cx-modal-list li { display: flex; align-items: center; gap: 10px; font-size: .93rem; color: var(--cx-text, #222); }
.cx-modal-list svg { flex: none; color: var(--cx-check, currentColor); }
.cx-modal-cta { display: flex; width: 100%; font-size: 1.02rem; padding: 16px 20px; }
.cx-modal-no { display: block; width: 100%; margin-top: 12px; background: none; border: 0; color: var(--cx-muted, #888); font-size: .82rem; cursor: pointer; text-decoration: underline; text-underline-offset: 3px; }
.cx-modal-no:hover { color: var(--cx-text, #111); }

/* Social-proof toast */
.cx-toast { position: fixed; left: 20px; bottom: 20px; z-index: 9994; display: none; align-items: flex-start; gap: 11px; width: min(330px, calc(100vw - 40px)); background: var(--cx-surface, #fff); color: var(--cx-text, #111); border: var(--cx-bw, 1px) solid var(--cx-line, rgba(0,0,0,.14)); border-radius: var(--cx-radius, 12px); box-shadow: 0 18px 48px rgba(0,0,0,.28); padding: 14px 34px 14px 14px; opacity: 0; transform: translateY(14px); transition: opacity .4s ease, transform .4s ease; pointer-events: none; }
.cx-toast.show { opacity: 1; transform: none; pointer-events: auto; }
.cx-toast-dot { flex: none; width: 10px; height: 10px; margin-top: 5px; border-radius: 50%; background: var(--cx-dot, #22c55e); box-shadow: 0 0 0 4px rgba(34, 197, 94, .18); }
.cx-toast-body { font-size: .86rem; line-height: 1.45; }
.cx-toast-time { display: block; margin-top: 4px; font-size: .74rem; color: var(--cx-muted, #888); }
.cx-toast-x { position: absolute; top: 6px; right: 9px; background: none; border: 0; font-size: 1.15rem; line-height: 1; color: var(--cx-muted, #999); cursor: pointer; padding: 2px; }
@media (min-width: 821px) { .cx-toast { display: flex; } }
@media (prefers-reduced-motion: reduce) { .cx-bar, .cx-toast { transition: none; } .cx-modal.open { animation: none; } }