/* ============================================================
   Sugar Land HQ - shared stylesheet
   Trustworthy fintech design system.
   Tokens from BRIEF: deep green brand + gold accent + ink navy,
   Newsreader (serif display) + Inter (sans).
   Theme-aware (light default, dark via prefers-color-scheme
   and [data-theme] override). Responsive to 400px.
   ============================================================ */

/* ---- Tokens: light (default) ---- */
:root {
  --ink: #0f1b2d;
  --ink-2: #23324a;
  --paper: #f6f8fa;
  --paper-2: #eef1f5;
  --card: #ffffff;
  --brand: #1c5d4c;
  --brand-2: #164b3d;
  --brand-3: #0f3a2e;
  --brand-soft: #e7f0ec;
  --accent: #c9a227;
  --accent-2: #b18e1c;
  --accent-soft: #f6edd2;
  --line: #e3e6ea;
  --line-2: #d4d9df;
  --muted: #5c6672;
  --hairline: rgba(15, 27, 45, .08);

  --shadow-xs: 0 1px 2px rgba(15, 27, 45, .05);
  --shadow-sm: 0 1px 2px rgba(15, 27, 45, .05), 0 2px 6px rgba(15, 27, 45, .05);
  --shadow: 0 1px 2px rgba(15, 27, 45, .04), 0 10px 26px -10px rgba(15, 27, 45, .12);
  --shadow-lg: 0 2px 6px rgba(15, 27, 45, .06), 0 30px 60px -22px rgba(15, 27, 45, .26);
  --ring: 0 0 0 3px color-mix(in srgb, var(--brand) 22%, transparent);

  --grad-brand: linear-gradient(145deg, var(--brand), var(--brand-2) 62%, var(--brand-3));
  --grad-gold: linear-gradient(140deg, #d9b23a, var(--accent) 55%, var(--accent-2));

  --radius-lg: 20px;
  --radius: 14px;
  --radius-sm: 10px;
  --maxw: 1160px;
  --serif: "Newsreader", Georgia, "Times New Roman", serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --ease: cubic-bezier(.22, .61, .36, 1);
  color-scheme: light;
}

/* ---- Tokens: dark ---- */
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --ink: #eef2f6;
    --ink-2: #cfd8e2;
    --paper: #0b131f;
    --paper-2: #0f1a28;
    --card: #131f2f;
    --brand: #4fbf9f;
    --brand-2: #3ba888;
    --brand-3: #2f9276;
    --brand-soft: #14322a;
    --accent: #e0bd4a;
    --accent-2: #cba936;
    --accent-soft: #2a2410;
    --line: #223140;
    --line-2: #2c3d4f;
    --muted: #9aa7b4;
    --hairline: rgba(255, 255, 255, .07);

    --shadow-xs: 0 1px 2px rgba(0, 0, 0, .35);
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, .35), 0 2px 6px rgba(0, 0, 0, .3);
    --shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 12px 30px -12px rgba(0, 0, 0, .55);
    --shadow-lg: 0 2px 8px rgba(0, 0, 0, .4), 0 34px 70px -26px rgba(0, 0, 0, .7);
    --ring: 0 0 0 3px color-mix(in srgb, var(--brand) 30%, transparent);

    --grad-brand: linear-gradient(145deg, #2b7a63, #1f5f4d 65%, #164434);
    --grad-gold: linear-gradient(140deg, #e6c657, var(--accent) 55%, var(--accent-2));
    color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --ink: #eef2f6;
  --ink-2: #cfd8e2;
  --paper: #0b131f;
  --paper-2: #0f1a28;
  --card: #131f2f;
  --brand: #4fbf9f;
  --brand-2: #3ba888;
  --brand-3: #2f9276;
  --brand-soft: #14322a;
  --accent: #e0bd4a;
  --accent-2: #cba936;
  --accent-soft: #2a2410;
  --line: #223140;
  --line-2: #2c3d4f;
  --muted: #9aa7b4;
  --hairline: rgba(255, 255, 255, .07);

  --shadow-xs: 0 1px 2px rgba(0, 0, 0, .35);
  --shadow-sm: 0 1px 2px rgba(0, 0, 0, .35), 0 2px 6px rgba(0, 0, 0, .3);
  --shadow: 0 1px 2px rgba(0, 0, 0, .3), 0 12px 30px -12px rgba(0, 0, 0, .55);
  --shadow-lg: 0 2px 8px rgba(0, 0, 0, .4), 0 34px 70px -26px rgba(0, 0, 0, .7);
  --ring: 0 0 0 3px color-mix(in srgb, var(--brand) 30%, transparent);

  --grad-brand: linear-gradient(145deg, #2b7a63, #1f5f4d 65%, #164434);
  --grad-gold: linear-gradient(140deg, #e6c657, var(--accent) 55%, var(--accent-2));
  color-scheme: dark;
}

/* ---- Reset / base ---- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  font-feature-settings: "kern" 1, "liga" 1, "calt" 1;
}
img { max-width: 100%; display: block; }
[hidden] { display: none !important; }
a { color: var(--brand); text-decoration: none; transition: color .15s var(--ease); }
a:hover { text-decoration: underline; }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; border-radius: 4px; }
hr { border: 0; border-top: 1px solid var(--line); margin: 0; }
::selection { background: color-mix(in srgb, var(--accent) 32%, transparent); color: var(--ink); }

/* ---- Typography ---- */
h1, h2, h3, h4 {
  font-family: var(--serif); font-weight: 600; line-height: 1.1; color: var(--ink);
  margin: 0 0 .5em; letter-spacing: -.012em; font-optical-sizing: auto; text-wrap: balance;
}
h1 { font-size: clamp(2.4rem, 5.2vw, 4.1rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.75rem, 3.4vw, 2.65rem); letter-spacing: -.015em; }
h3 { font-size: clamp(1.2rem, 2vw, 1.45rem); }
h4 { font-size: 1.05rem; }
p { margin: 0 0 1rem; text-wrap: pretty; }
.lead { font-size: clamp(1.1rem, 1.6vw, 1.28rem); color: var(--muted); line-height: 1.58; font-weight: 400; }
.eyebrow {
  font-family: var(--sans); font-weight: 600; font-size: .76rem; letter-spacing: .15em;
  text-transform: uppercase; color: var(--brand); margin: 0 0 1rem;
  display: inline-flex; align-items: center; gap: .6rem;
}
.eyebrow::before {
  content: ""; width: 26px; height: 2px; border-radius: 2px;
  background: var(--grad-gold); display: inline-block;
}
.serif { font-family: var(--serif); }

/* ---- Layout ---- */
.wrap { max-width: var(--maxw); margin: 0 auto; padding-inline: 24px; }
.section { padding-block: clamp(3.5rem, 8vw, 6.75rem); position: relative; }
.section-sm { padding-block: clamp(2.5rem, 5vw, 4rem); }
.center { text-align: center; }
.narrow { max-width: 720px; margin-inline: auto; }
.grid { display: grid; gap: 24px; }

/* ---- Buttons ---- */
.btn {
  position: relative;
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  font-family: var(--sans); font-weight: 600; font-size: .98rem; letter-spacing: .002em;
  padding: .82rem 1.45rem; border-radius: 999px; border: 1px solid transparent;
  cursor: pointer; text-decoration: none; white-space: nowrap; isolation: isolate;
  transition: transform .16s var(--ease), box-shadow .2s var(--ease), background .2s var(--ease), border-color .2s var(--ease), filter .2s var(--ease);
}
.btn:hover { text-decoration: none; transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-primary { background: var(--grad-brand); color: #fff; box-shadow: var(--shadow-sm), inset 0 1px 0 rgba(255,255,255,.14); }
.btn-primary:hover { box-shadow: var(--shadow), inset 0 1px 0 rgba(255,255,255,.16); filter: saturate(1.05) brightness(1.03); }
.btn-gold { background: var(--grad-gold); color: #241d00; box-shadow: var(--shadow-sm), inset 0 1px 0 rgba(255,255,255,.35); }
.btn-gold:hover { filter: brightness(1.05); box-shadow: var(--shadow); }
.site-footer a.btn-gold, .cta-band a.btn-gold, a.btn-gold, .btn-gold { color: #241d00; }
.btn-ghost { background: color-mix(in srgb, var(--card) 60%, transparent); color: var(--ink); border-color: var(--line-2); backdrop-filter: blur(4px); }
.btn-ghost:hover { border-color: var(--brand); color: var(--brand); background: var(--brand-soft); }
.btn-lg { padding: 1.02rem 1.9rem; font-size: 1.05rem; }
.btn-block { width: 100%; }
:root[data-theme="dark"] .btn-primary,
:root:not([data-theme="light"]) .btn-primary { color: #071410; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .btn-primary { color: #071410; } }

/* ---- Header / nav ---- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: color-mix(in srgb, var(--paper) 82%, transparent);
  backdrop-filter: saturate(160%) blur(14px);
  -webkit-backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid var(--hairline);
  box-shadow: 0 1px 0 var(--hairline), 0 8px 24px -20px rgba(15,27,45,.5);
}
.nav { display: flex; align-items: center; gap: 1.5rem; height: 68px; }
.brand { display: flex; align-items: center; gap: .65rem; font-family: var(--serif); font-weight: 600; font-size: 1.2rem; color: var(--ink); }
.brand:hover { text-decoration: none; }
.brand .mark {
  width: 36px; height: 36px; border-radius: 10px; flex: none;
  background: var(--grad-brand);
  color: #fff; display: grid; place-items: center; font-weight: 700; font-family: var(--sans); font-size: .95rem;
  box-shadow: inset 0 0 0 1.5px rgba(201,162,39,.6), var(--shadow-xs);
  letter-spacing: .01em;
}
.brand small { display: block; font-family: var(--sans); font-size: .62rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); font-weight: 600; margin-top: 1px; }
.nav-links { display: flex; align-items: center; gap: .2rem; margin-left: auto; }
.nav-links a { position: relative; color: var(--ink-2); font-weight: 500; font-size: .95rem; padding: .5rem .8rem; border-radius: 9px; transition: color .15s var(--ease), background .15s var(--ease); }
.nav-links a:not(.nav-cta)::after {
  content: ""; position: absolute; left: .8rem; right: .8rem; bottom: .28rem; height: 2px; border-radius: 2px;
  background: var(--grad-gold); transform: scaleX(0); transform-origin: left; opacity: 0;
  transition: transform .22s var(--ease), opacity .22s var(--ease);
}
.nav-links a:hover { background: var(--brand-soft); color: var(--brand); text-decoration: none; }
.nav-links a:not(.nav-cta):hover::after { transform: scaleX(1); opacity: 1; }
.nav-links a[aria-current="page"] { color: var(--brand); font-weight: 600; }
.nav-links a[aria-current="page"]:not(.nav-cta)::after { transform: scaleX(1); opacity: 1; }
.nav-tools { display: flex; align-items: center; gap: .55rem; }
.lang-select {
  font-family: var(--sans); font-size: .85rem; color: var(--ink); background: var(--card);
  border: 1px solid var(--line); border-radius: 9px; padding: .45rem 1.8rem .45rem .6rem; cursor: pointer;
  appearance: none; transition: border-color .15s var(--ease);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath d='M3 4.5L6 8l3-3.5' stroke='%235c6672' stroke-width='1.4' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right .55rem center;
}
.lang-select:hover { border-color: var(--brand); }
.theme-toggle {
  width: 38px; height: 38px; border-radius: 10px; border: 1px solid var(--line);
  background: var(--card); color: var(--ink); cursor: pointer; display: grid; place-items: center; font-size: 1.05rem;
  transition: border-color .15s var(--ease), transform .3s var(--ease), color .15s var(--ease);
}
.theme-toggle:hover { border-color: var(--brand); color: var(--brand); transform: rotate(18deg); }
.nav-cta { display: inline-flex; }
.nav-links .nav-cta { display: none; } /* desktop: use the nav-tools CTA only */
.menu-btn { display: none; width: 40px; height: 40px; border: 1px solid var(--line); background: var(--card); border-radius: 10px; cursor: pointer; color: var(--ink); transition: border-color .15s var(--ease); }
.menu-btn:hover { border-color: var(--brand); }

@media (max-width: 900px) {
  .nav-links {
    position: absolute; top: 68px; left: 0; right: 0; flex-direction: column; align-items: stretch;
    background: color-mix(in srgb, var(--paper) 96%, transparent); backdrop-filter: blur(14px);
    border-bottom: 1px solid var(--line); padding: .6rem 24px 1.1rem; gap: .1rem;
    box-shadow: var(--shadow-lg);
  }
  .nav-links:not(.open) { display: none; }
  .nav-links a { padding: .8rem .6rem; border-radius: 9px; }
  .nav-links a:not(.nav-cta)::after { display: none; }
  .nav-cta.desktop { display: none; }
  .nav-links .nav-cta { display: inline-flex; margin-top:.4rem; } /* mobile drawer shows Apply */
}

/* ---- Hero ---- */
.hero { position: relative; overflow: hidden; background: var(--paper); border-bottom: 1px solid var(--hairline); }
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background:
    radial-gradient(58% 52% at 84% -8%, color-mix(in srgb, var(--brand) 20%, transparent), transparent 68%),
    radial-gradient(46% 44% at 6% 108%, color-mix(in srgb, var(--accent) 14%, transparent), transparent 66%),
    linear-gradient(180deg, color-mix(in srgb, var(--brand-soft) 40%, transparent), transparent 40%);
}
/* Restrained blueprint dot-grid motif, faded out toward center */
.hero::after {
  content: ""; position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background-image: radial-gradient(color-mix(in srgb, var(--brand) 30%, transparent) 1px, transparent 1.6px);
  background-size: 30px 30px; opacity: .3;
  -webkit-mask-image: radial-gradient(120% 90% at 88% 8%, #000, transparent 62%);
  mask-image: radial-gradient(120% 90% at 88% 8%, #000, transparent 62%);
}
.hero .wrap { position: relative; z-index: 1; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: center; padding-block: clamp(3.25rem, 7vw, 5.75rem); }
.hero h1 { margin-bottom: .35em; }
.hero .lead { max-width: 34ch; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.9rem; }
.hero-note { margin-top: 1.4rem; font-size: .88rem; color: var(--muted); padding-left: .85rem; border-left: 2px solid color-mix(in srgb, var(--accent) 60%, var(--line)); }
@media (max-width: 860px) { .hero-grid { grid-template-columns: 1fr; gap: 32px; } .hero .lead { max-width: 46ch; } }

/* Refined entrance (motion-safe only) */
@media (prefers-reduced-motion: no-preference) {
  .hero-grid > * { animation: heroRise .7s var(--ease) both; }
  .hero-grid > *:nth-child(2) { animation-delay: .08s; }
  @keyframes heroRise { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
}

/* ---- Cards ---- */
.card {
  position: relative; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.65rem; box-shadow: var(--shadow-sm);
  transition: transform .2s var(--ease), box-shadow .2s var(--ease), border-color .2s var(--ease);
}
.card-hover { overflow: hidden; }
.card-hover::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 3px; border-radius: var(--radius) var(--radius) 0 0;
  background: var(--grad-gold); transform: scaleX(0); transform-origin: left; opacity: 0;
  transition: transform .3s var(--ease), opacity .3s var(--ease);
}
.card-hover:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: color-mix(in srgb, var(--brand) 40%, var(--line)); }
.card-hover:hover::before { transform: scaleX(1); opacity: 1; }
.icon-badge {
  width: 48px; height: 48px; border-radius: 12px; display: grid; place-items: center;
  background: linear-gradient(150deg, var(--brand-soft), color-mix(in srgb, var(--brand-soft) 55%, var(--card)));
  color: var(--brand); margin-bottom: 1.05rem; font-size: 1.35rem;
  box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--brand) 16%, transparent);
  transition: transform .2s var(--ease), box-shadow .2s var(--ease);
}
.card-hover:hover .icon-badge { transform: translateY(-1px) scale(1.04); box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--brand) 30%, transparent); }

/* ---- Pillar grid ---- */
.pillars { grid-template-columns: repeat(4, 1fr); }
.pillar-card { display: flex; flex-direction: column; }
.pillar-card h3 { margin-bottom: .35rem; }
.pillar-card p { color: var(--muted); font-size: .95rem; flex: 1; }
.pillar-card .arrow { margin-top: 1.1rem; font-weight: 600; color: var(--brand); font-size: .92rem; transition: gap .2s var(--ease); display: inline-flex; gap: .1rem; }
.pillar-card:hover .arrow { text-decoration: underline; gap: .4rem; }
@media (max-width: 980px) { .pillars { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 520px) { .pillars { grid-template-columns: 1fr; } }

/* ---- Steps ---- */
.steps { grid-template-columns: repeat(3, 1fr); counter-reset: step; gap: 32px; }
.step { position: relative; padding-top: .75rem; }
.step::before {
  content: ""; position: absolute; top: 1.55rem; left: 2.7rem; right: -16px; height: 2px;
  background: repeating-linear-gradient(90deg, color-mix(in srgb, var(--accent) 55%, var(--line)) 0 6px, transparent 6px 12px);
  opacity: .7;
}
.steps > .step:last-child::before { display: none; }
.step .num {
  font-family: var(--serif); font-size: 2.5rem; color: var(--accent); font-weight: 600; line-height: 1;
  display: inline-block; margin-bottom: .65rem;
  background: var(--grad-gold); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}
.step h3 { font-size: 1.25rem; }
.step p { color: var(--muted); font-size: .96rem; }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; gap: 20px; } .step::before { display: none; } }

/* ---- Industries strip ---- */
.chips { display: flex; flex-wrap: wrap; gap: .6rem; }
.chip {
  border: 1px solid var(--line); background: var(--card); border-radius: 999px;
  padding: .55rem 1.05rem; font-size: .92rem; font-weight: 500; color: var(--ink);
  display: inline-flex; align-items: center; gap: .5rem; box-shadow: var(--shadow-xs);
  transition: border-color .15s var(--ease), color .15s var(--ease), transform .15s var(--ease), box-shadow .15s var(--ease);
}
.chip:hover { border-color: var(--brand); color: var(--brand); text-decoration: none; transform: translateY(-2px); box-shadow: var(--shadow-sm); }
.chip .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--grad-gold); }

/* ---- Feature list ---- */
.feature-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 1.05rem; }
.feature-list li { display: flex; gap: .8rem; align-items: flex-start; }
.feature-list .tick {
  flex: none; width: 24px; height: 24px; border-radius: 50%;
  background: linear-gradient(150deg, var(--brand-soft), color-mix(in srgb, var(--brand-soft) 55%, var(--card)));
  color: var(--brand);
  display: grid; place-items: center; font-size: .8rem; font-weight: 700; margin-top: 2px;
  box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--brand) 20%, transparent);
}
.feature-list strong { display: block; color: var(--ink); font-size: 1rem; }
.feature-list span { color: var(--muted); font-size: .95rem; }

/* ---- Split section ---- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split.reverse > :first-child { order: 2; }
@media (max-width: 820px) { .split, .split.reverse > :first-child { grid-template-columns: 1fr; order: 0; } .split { gap: 32px; } }

/* ---- Bands ---- */
.band-brand { position: relative; background: var(--grad-brand); color: #fff; overflow: hidden; }
.band-brand::before {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(50% 60% at 85% 0%, rgba(201,162,39,.22), transparent 60%),
    radial-gradient(45% 55% at 10% 100%, rgba(255,255,255,.08), transparent 60%);
}
.band-brand > * { position: relative; z-index: 1; }
.band-brand h1, .band-brand h2, .band-brand h3 { color: #fff; }
.band-brand .lead, .band-brand p { color: rgba(255,255,255,.86); }
.band-brand .eyebrow { color: #f2dd94; }
.band-brand .eyebrow::before { background: rgba(255,255,255,.55); }
.band-brand .btn-ghost { color: #fff; border-color: rgba(255,255,255,.4); background: rgba(255,255,255,.06); }
.band-brand .btn-ghost:hover { border-color: #fff; color: #fff; background: rgba(255,255,255,.12); }
.band-soft { background: color-mix(in srgb, var(--brand-soft) 55%, var(--paper)); border-block: 1px solid var(--hairline); }

/* ---- Calculator ---- */
.calc {
  background: var(--card); border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); overflow: hidden; position: relative;
}
.calc::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 3px; background: var(--grad-brand); z-index: 1; }
.calc-head { padding: 1.35rem 1.55rem; border-bottom: 1px solid var(--line); background: linear-gradient(180deg, color-mix(in srgb, var(--brand-soft) 55%, var(--card)), var(--card)); }
.calc-head h3 { margin: 0 0 .2rem; }
.calc-head p { margin: 0; font-size: .88rem; color: var(--muted); }
.calc-body { padding: 1.6rem; }
.product-tabs { display: flex; flex-wrap: wrap; gap: .45rem; margin-bottom: 1.4rem; }
.product-tabs button {
  font-family: var(--sans); font-size: .85rem; font-weight: 500; padding: .5rem .9rem; border-radius: 999px;
  border: 1px solid var(--line); background: var(--paper); color: var(--ink); cursor: pointer;
  transition: background .18s var(--ease), border-color .18s var(--ease), color .18s var(--ease), box-shadow .18s var(--ease);
}
.product-tabs button:hover { border-color: var(--brand); color: var(--brand); }
.product-tabs button[aria-selected="true"] { background: var(--grad-brand); border-color: transparent; color: #fff; box-shadow: var(--shadow-sm); }
:root[data-theme="dark"] .product-tabs button[aria-selected="true"] { color: #071410; }
@media (prefers-color-scheme: dark) { :root:not([data-theme="light"]) .product-tabs button[aria-selected="true"] { color: #071410; } }

.field { margin-bottom: 1.1rem; }
.field label { display: block; font-size: .82rem; font-weight: 600; margin-bottom: .38rem; color: var(--ink); }
.field .hint { font-size: .78rem; color: var(--muted); font-weight: 400; }
.field input, .field select, .field textarea {
  width: 100%; font-family: var(--sans); font-size: 1rem; color: var(--ink); background: var(--paper);
  border: 1px solid var(--line-2); border-radius: var(--radius-sm); padding: .72rem .85rem;
  transition: border-color .15s var(--ease), box-shadow .15s var(--ease), background .15s var(--ease);
}
.field input:hover, .field select:hover, .field textarea:hover { border-color: color-mix(in srgb, var(--brand) 45%, var(--line-2)); }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brand); box-shadow: var(--ring); background: var(--card); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 480px) { .field-row { grid-template-columns: 1fr; } }
.range-wrap { display: flex; align-items: center; gap: 1rem; }
.range-wrap input[type="range"] { flex: 1; accent-color: var(--brand); height: 6px; }
/* Custom range styling for a premium feel */
.range-wrap input[type="range"] {
  -webkit-appearance: none; appearance: none; background: transparent; cursor: pointer;
}
.range-wrap input[type="range"]::-webkit-slider-runnable-track {
  height: 6px; border-radius: 999px; background: linear-gradient(90deg, var(--brand), var(--brand-2));
}
.range-wrap input[type="range"]::-moz-range-track { height: 6px; border-radius: 999px; background: var(--line-2); }
.range-wrap input[type="range"]::-moz-range-progress { height: 6px; border-radius: 999px; background: linear-gradient(90deg, var(--brand), var(--brand-2)); }
.range-wrap input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 20px; height: 20px; margin-top: -7px; border-radius: 50%;
  background: var(--card); border: 2px solid var(--brand); box-shadow: var(--shadow-sm);
  transition: transform .12s var(--ease), box-shadow .12s var(--ease);
}
.range-wrap input[type="range"]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%; background: var(--card); border: 2px solid var(--brand); box-shadow: var(--shadow-sm);
}
.range-wrap input[type="range"]:hover::-webkit-slider-thumb { transform: scale(1.12); }
.range-wrap input[type="range"]:focus-visible::-webkit-slider-thumb { box-shadow: var(--ring); }
.range-val { font-variant-numeric: tabular-nums; font-weight: 600; min-width: 90px; text-align: right; color: var(--ink); }

.calc-result {
  margin-top: 1.4rem; border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 1.25rem; background: linear-gradient(180deg, color-mix(in srgb, var(--brand-soft) 30%, var(--paper)), var(--paper));
}
.result-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(130px, 1fr)); gap: 1.1rem; }
.result-stat { padding-left: .7rem; border-left: 2px solid color-mix(in srgb, var(--brand) 45%, var(--line)); }
.result-stat .k { font-size: .72rem; text-transform: uppercase; letter-spacing: .09em; color: var(--muted); font-weight: 600; }
.result-stat .v { font-family: var(--serif); font-size: 1.55rem; font-weight: 600; color: var(--brand); font-variant-numeric: tabular-nums; }
.result-note { margin-top: 1rem; font-size: .8rem; color: var(--muted); display: flex; gap: .5rem; align-items: flex-start; }
.result-note::before { content: "i"; flex: none; width: 16px; height: 16px; border-radius: 50%; background: var(--accent-soft); color: var(--accent-2); font-weight: 700; font-size: .7rem; display: grid; place-items: center; font-style: normal; margin-top: 2px; }
.calc-placeholder { color: var(--muted); font-size: .92rem; text-align: center; padding: 1rem; }

/* ---- Stats / qualitative (no fabricated numbers) ---- */
.qual-grid { grid-template-columns: repeat(3, 1fr); }
.qual { padding-left: .9rem; border-left: 2px solid color-mix(in srgb, var(--brand) 40%, var(--line)); }
.qual .t { font-family: var(--serif); font-size: 1.4rem; color: var(--brand); margin-bottom: .2rem; line-height: 1.2; }
.qual .d { color: var(--muted); font-size: .95rem; }
.slot {
  border: 1px dashed color-mix(in srgb, var(--accent) 55%, var(--line)); border-radius: var(--radius-sm);
  padding: 1rem 1.2rem; background: var(--accent-soft); color: var(--muted); font-size: .88rem;
}
@media (max-width: 760px) { .qual-grid { grid-template-columns: 1fr; } }

/* ---- FAQ ---- */
.faq details { border: 1px solid var(--line); border-radius: var(--radius-sm); background: var(--card); margin-bottom: .8rem; padding: 0 1.3rem; box-shadow: var(--shadow-xs); transition: border-color .18s var(--ease), box-shadow .18s var(--ease); }
.faq details:hover { border-color: color-mix(in srgb, var(--brand) 35%, var(--line)); }
.faq details[open] { box-shadow: var(--shadow-sm); border-color: color-mix(in srgb, var(--brand) 30%, var(--line)); }
.faq summary { cursor: pointer; font-weight: 600; padding: 1.05rem 0; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; flex: none; width: 26px; height: 26px; border-radius: 50%;
  background: var(--brand-soft); color: var(--brand); font-size: 1.1rem; font-weight: 400;
  display: grid; place-items: center; transition: transform .22s var(--ease), background .22s var(--ease), color .22s var(--ease);
}
.faq details[open] summary::after { content: "\2212"; background: var(--brand); color: #fff; transform: rotate(180deg); }
:root[data-theme="dark"] .faq details[open] summary::after, :root:not([data-theme="light"]) .faq details[open] summary::after { color: #071410; }
.faq details[open] summary { border-bottom: 1px solid var(--line); }
.faq details p { padding: 1rem 0; margin: 0; color: var(--muted); }
@media (prefers-reduced-motion: no-preference) {
  .faq details[open] p { animation: faqReveal .28s var(--ease) both; }
  @keyframes faqReveal { from { opacity: 0; transform: translateY(-4px); } to { opacity: 1; transform: none; } }
}

/* ---- CTA band ---- */
.cta-band { text-align: center; }
.cta-band .btn { margin-top: 1.6rem; }

/* ---- Footer ---- */
.site-footer { position: relative; background: var(--ink); color: #cdd6e0; padding-block: 3.75rem 2rem; }
.site-footer::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 3px; background: var(--grad-gold); opacity: .85; }
:root[data-theme="dark"] .site-footer, :root:not([data-theme="light"]) .site-footer { background: #060c15; }
@media (prefers-color-scheme: light) { :root:not([data-theme="dark"]) .site-footer { background: var(--ink); } }
.footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; padding-bottom: 2.4rem; border-bottom: 1px solid rgba(255,255,255,.1); }
.site-footer h4 { color: #fff; font-family: var(--sans); font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 1rem; }
.site-footer a { color: #cdd6e0; font-size: .93rem; display: inline-block; margin-bottom: .55rem; transition: color .15s var(--ease), transform .15s var(--ease); }
.site-footer a:hover { color: #fff; transform: translateX(2px); }
.footer-brand .brand { color: #fff; margin-bottom: .8rem; }
.footer-brand .brand:hover { transform: none; }
.footer-brand p { color: #94a1b0; font-size: .9rem; max-width: 32ch; }
.footer-contact { color: #94a1b0; font-size: .9rem; margin-top: .8rem; }
.footer-bottom { padding-top: 1.9rem; display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between; align-items: flex-start; }
.footer-bottom .copyright { font-size: .85rem; color: #7e8b9a; }
#broker-disclaimer {
  font-size: .8rem; line-height: 1.55; color: #8b97a6; max-width: 70ch;
  border-left: 2px solid var(--accent); padding-left: .95rem;
}
@media (max-width: 820px) { .footer-top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 480px) { .footer-top { grid-template-columns: 1fr; } }

/* ---- Apply / multi-step form ---- */
.apply-shell { max-width: 640px; margin-inline: auto; }
.progress { display: flex; gap: .5rem; margin-bottom: 2rem; }
.progress .seg { flex: 1; height: 6px; border-radius: 999px; background: var(--line); overflow: hidden; transition: background .3s var(--ease); }
.progress .seg.done { background: var(--brand); }
.progress .seg.active { background: var(--grad-gold); }
.step-panel { display: none; }
.step-panel.active { display: block; animation: fade .3s var(--ease); }
@keyframes fade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.step-count { font-size: .8rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--brand); margin-bottom: .5rem; }
.choice-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: .7rem; margin-top: .3rem; }
@media (max-width: 480px) { .choice-grid { grid-template-columns: 1fr; } }
.choice {
  position: relative; border: 1px solid var(--line-2); border-radius: var(--radius-sm); padding: .9rem 1rem; cursor: pointer;
  background: var(--card); font-weight: 500; box-shadow: var(--shadow-xs);
  transition: border-color .14s var(--ease), background .14s var(--ease), transform .14s var(--ease), box-shadow .14s var(--ease);
}
.choice:hover { border-color: var(--brand); transform: translateY(-1px); box-shadow: var(--shadow-sm); }
.choice input { position: absolute; opacity: 0; }
.choice.sel { border-color: var(--brand); background: var(--brand-soft); color: var(--brand); font-weight: 600; box-shadow: var(--ring); }
.form-nav { display: flex; justify-content: space-between; gap: 1rem; margin-top: 2rem; }
.form-nav .btn { min-width: 120px; }
.apply-aside { background: linear-gradient(160deg, var(--brand-soft), color-mix(in srgb, var(--brand-soft) 55%, var(--card))); border: 1px solid color-mix(in srgb, var(--brand) 18%, var(--line)); border-radius: var(--radius); padding: 1.5rem; font-size: .9rem; }
.apply-aside h4 { color: var(--brand); }
.apply-done { text-align: center; padding: 2rem 0; }
.apply-done .big { width: 68px; height: 68px; border-radius: 50%; background: var(--grad-brand); color: #fff; display: grid; place-items: center; font-size: 2rem; margin: 0 auto 1.2rem; box-shadow: var(--shadow); }
:root[data-theme="dark"] .apply-done .big, :root:not([data-theme="light"]) .apply-done .big { color: #071410; }

/* ---- Misc utilities ---- */
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.muted { color: var(--muted); }
.small { font-size: .88rem; }
.tag { display: inline-flex; align-items: center; font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--accent-2); background: var(--accent-soft); padding: .3rem .6rem; border-radius: 7px; box-shadow: inset 0 0 0 1px color-mix(in srgb, var(--accent) 24%, transparent); }
:root[data-theme="dark"] .tag, :root:not([data-theme="light"]) .tag { color: var(--accent); }
.disclaimer-inline { font-size: .82rem; color: var(--muted); background: var(--paper); border: 1px solid var(--line); border-left: 2px solid color-mix(in srgb, var(--accent) 60%, var(--line)); border-radius: var(--radius-sm); padding: .95rem 1.15rem; }
.skip-link { position: absolute; left: -9999px; }
.skip-link:focus { left: 12px; top: 12px; z-index: 100; background: var(--card); padding: .6rem 1rem; border-radius: 8px; box-shadow: var(--shadow); }

/* ---- Global reduced-motion safety net ---- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  .btn:hover, .card-hover:hover, .chip:hover, .site-footer a:hover, .choice:hover { transform: none; }
}