/* ==========================================================================
   Finance Prime Place - Global Stylesheet
   Palette: deep navy + warm gold + soft neutrals
   ========================================================================== */

:root{
  --navy:#0a2540;
  --navy-800:#0e2f52;
  --navy-700:#12406e;
  --navy-600:#1b5290;
  --gold:#c99a2e;
  --gold-light:#e6c874;
  --gold-soft:#fbf4e3;
  --ink:#16283a;
  --body:#4a5b6d;
  --muted:#6d7d8e;
  --line:#e2e8f0;
  --bg:#f5f8fc;
  --bg-alt:#eef4fa;
  --white:#ffffff;
  --success:#1f7a55;
  --danger:#b3362c;
  --radius-sm:8px;
  --radius:14px;
  --radius-lg:22px;
  --shadow-sm:0 2px 10px rgba(10,37,64,.06);
  --shadow:0 14px 34px rgba(10,37,64,.10);
  --shadow-lg:0 24px 60px rgba(10,37,64,.16);
  --container:1160px;
  --font:"Segoe UI",Roboto,"Helvetica Neue",Arial,"Noto Sans",sans-serif;
  --font-head:"Georgia","Iowan Old Style","Times New Roman",serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:var(--font);
  font-size:17px;
  line-height:1.72;
  color:var(--body);
  background:var(--white);
  overflow-x:hidden;
}
img{max-width:100%;display:block;height:auto}
a{color:var(--navy-700);text-decoration:none;transition:color .2s ease}
a:hover{color:var(--gold)}
h1,h2,h3,h4,h5{
  font-family:var(--font-head);
  color:var(--navy);
  line-height:1.22;
  margin:0 0 .6em;
  font-weight:700;
  letter-spacing:-.01em;
}
h1{font-size:clamp(2rem,4.4vw,3.1rem)}
h2{font-size:clamp(1.6rem,3.1vw,2.3rem)}
h3{font-size:clamp(1.2rem,2vw,1.45rem)}
h4{font-size:1.08rem}
p{margin:0 0 1.1em}
ul,ol{margin:0 0 1.2em;padding-left:1.3em}
li{margin-bottom:.5em}
strong{color:var(--ink)}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* ---------- Layout helpers ---------- */
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 22px}
.section{padding:84px 0}
.section--tight{padding:58px 0}
.section--bg{background:var(--bg)}
.section--alt{background:linear-gradient(180deg,var(--bg-alt) 0%,#ffffff 100%)}
.section--navy{background:var(--navy);color:#cfdcea}
.section--navy h2,.section--navy h3{color:#fff}
.section--navy p{color:#c2d2e3}
.grid{display:grid;gap:28px}
.g-2{grid-template-columns:repeat(2,1fr)}
.g-3{grid-template-columns:repeat(3,1fr)}
.g-4{grid-template-columns:repeat(4,1fr)}
.text-center{text-align:center}
.mt-0{margin-top:0}.mb-0{margin-bottom:0}
.lead{font-size:1.12rem;color:var(--body)}

.section-head{max-width:760px;margin:0 auto 52px;text-align:center}
.section-head p{margin-bottom:0;color:var(--muted)}
.section-head--left{margin-left:0;text-align:left}
.eyebrow{
  display:inline-block;font-family:var(--font);font-size:.74rem;font-weight:700;
  letter-spacing:.16em;text-transform:uppercase;color:var(--gold);
  background:var(--gold-soft);border:1px solid #f0e0b4;border-radius:100px;
  padding:6px 15px;margin-bottom:16px;
}
.section--navy .eyebrow{background:rgba(216,180,81,.14);border-color:rgba(216,180,81,.35);color:var(--gold-light)}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-family:var(--font);font-size:.95rem;font-weight:700;letter-spacing:.01em;
  padding:14px 28px;border-radius:100px;border:2px solid transparent;
  cursor:pointer;transition:transform .18s ease,box-shadow .18s ease,background .18s ease,color .18s ease;
  line-height:1.2;text-align:center;
}
.btn-primary{background:var(--navy);color:#fff;box-shadow:0 10px 24px rgba(10,37,64,.20)}
.btn-primary:hover{background:var(--navy-700);color:#fff;transform:translateY(-2px);box-shadow:0 16px 32px rgba(10,37,64,.26)}
.btn-gold{background:var(--gold);color:#2a1f04;box-shadow:0 10px 24px rgba(201,154,46,.28)}
.btn-gold:hover{background:#d8ac42;color:#2a1f04;transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--navy);color:var(--navy);transform:translateY(-2px)}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{background:var(--gold-soft);color:var(--navy);transform:translateY(-2px)}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.btn-outline-light:hover{border-color:#fff;color:#fff;background:rgba(255,255,255,.08)}
.btn-sm{padding:11px 22px;font-size:.88rem}
.btn-block{width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}
.btn-row--center{justify-content:center}
.link-arrow{font-weight:700;color:var(--navy-700);display:inline-flex;align-items:center;gap:8px}
.link-arrow::after{content:"\2192";transition:transform .2s ease}
.link-arrow:hover::after{transform:translateX(4px)}

/* ---------- Top bar / Header ---------- */
.topbar{background:var(--navy);color:#b9cbe0;font-size:.85rem}
.topbar .container{display:flex;flex-wrap:wrap;gap:8px 26px;justify-content:space-between;align-items:center;padding-top:9px;padding-bottom:9px}
.topbar a{color:#dfe9f4}
.topbar a:hover{color:var(--gold-light)}
.topbar-list{display:flex;flex-wrap:wrap;gap:8px 22px;align-items:center;list-style:none;margin:0;padding:0}
.topbar-list li{margin:0;display:flex;align-items:center;gap:8px}
.topbar .ico{width:15px;height:15px;flex:none;fill:var(--gold-light)}

.site-header{position:sticky;top:0;z-index:80;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);transition:box-shadow .2s ease}
.site-header.is-stuck{box-shadow:var(--shadow-sm)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:22px;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:12px}
.brand img{width:44px;height:44px}
.brand-text{display:flex;flex-direction:column;line-height:1.15}
.brand-name{font-family:var(--font-head);font-weight:700;font-size:1.16rem;color:var(--navy)}
.brand-tag{font-size:.68rem;letter-spacing:.19em;text-transform:uppercase;color:var(--gold);font-weight:700}

.main-nav ul{display:flex;align-items:center;gap:6px;list-style:none;margin:0;padding:0}
.main-nav li{margin:0}
.main-nav a{
  display:block;padding:10px 14px;border-radius:100px;font-size:.94rem;
  font-weight:600;color:var(--navy);
}
.main-nav a:hover{background:var(--bg-alt);color:var(--navy-700)}
.main-nav a.active{color:var(--navy-700);background:var(--gold-soft)}
.header-cta{display:flex;align-items:center;gap:12px}
.nav-toggle{
  display:none;background:#fff;border:1px solid var(--line);border-radius:12px;
  width:46px;height:44px;cursor:pointer;padding:11px 10px;
}
.nav-toggle span{display:block;height:2px;background:var(--navy);border-radius:2px;margin:4px 0;transition:transform .2s ease,opacity .2s ease}
.nav-toggle.is-open span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.nav-toggle.is-open span:nth-child(2){opacity:0}
.nav-toggle.is-open span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* ---------- Hero ---------- */
.hero{position:relative;background:linear-gradient(160deg,#0a2540 0%,#123c68 55%,#0e2f52 100%);color:#cfe0f0;overflow:hidden}
.hero::after{
  content:"";position:absolute;right:-140px;top:-160px;width:520px;height:520px;border-radius:50%;
  background:radial-gradient(circle,rgba(216,180,81,.30) 0%,rgba(216,180,81,0) 68%);
}
.hero .container{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;gap:58px;align-items:center;padding:92px 0 96px}
.hero h1{color:#fff;margin-bottom:20px}
.hero p.lead{color:#c8d9ea;font-size:1.14rem;max-width:34em}
.hero-list{list-style:none;padding:0;margin:26px 0 32px;display:grid;gap:12px}
.hero-list li{display:flex;gap:12px;align-items:flex-start;color:#dbe7f3;margin:0}
.check{width:22px;height:22px;flex:none;margin-top:3px;border-radius:50%;background:rgba(216,180,81,.20);display:grid;place-items:center}
.check svg{width:13px;height:13px;fill:var(--gold-light)}
.hero-media{position:relative}
.hero-media img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);object-fit:cover;width:100%}
.hero-badge{
  position:absolute;left:-18px;bottom:26px;background:#fff;border-radius:var(--radius);
  padding:16px 20px;box-shadow:var(--shadow);display:flex;gap:12px;align-items:center;max-width:290px;
}
.hero-badge .badge-ico{width:42px;height:42px;border-radius:12px;background:var(--gold-soft);display:grid;place-items:center;flex:none}
.hero-badge .badge-ico svg{width:22px;height:22px;fill:var(--gold)}
.hero-badge strong{display:block;color:var(--navy);font-size:.95rem}
.hero-badge span{font-size:.82rem;color:var(--muted);line-height:1.5}

/* Page banner for inner pages */
.page-hero{background:linear-gradient(150deg,#0a2540 0%,#123c68 100%);color:#cfe0f0;padding:74px 0;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;left:-120px;bottom:-190px;width:430px;height:430px;border-radius:50%;background:radial-gradient(circle,rgba(216,180,81,.22) 0%,rgba(216,180,81,0) 70%)}
.page-hero .container{position:relative;z-index:2;max-width:900px}
.page-hero h1{color:#fff;margin-bottom:12px}
.page-hero p{color:#c8d9ea;margin-bottom:20px;font-size:1.08rem}
.breadcrumb{list-style:none;display:flex;flex-wrap:wrap;gap:10px;padding:0;margin:0;font-size:.87rem;color:#a9c1d8}
.breadcrumb li{margin:0;display:flex;gap:10px;align-items:center}
.breadcrumb li+li::before{content:"/";color:rgba(255,255,255,.35)}
.breadcrumb a{color:var(--gold-light)}

/* ---------- Cards ---------- */
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:32px 28px;box-shadow:var(--shadow-sm);transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
  height:100%;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:#d7e2ef}
.card h3{margin-bottom:.5em}
.card p:last-child{margin-bottom:0}
.card-ico{
  width:56px;height:56px;border-radius:16px;background:var(--gold-soft);
  display:grid;place-items:center;margin-bottom:20px;border:1px solid #f1e3bd;
}
.card-ico svg{width:26px;height:26px;fill:var(--navy-700)}
.card--service .card-ico{background:var(--bg-alt);border-color:#dbe7f4}
.card-list{list-style:none;padding:0;margin:18px 0 22px}
.card-list li{position:relative;padding-left:26px;font-size:.94rem;margin-bottom:9px}
.card-list li::before{
  content:"";position:absolute;left:0;top:.62em;width:9px;height:9px;border-radius:50%;
  background:var(--gold);box-shadow:0 0 0 4px rgba(201,154,46,.14);
}
.section--navy .card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.14);box-shadow:none}
.section--navy .card p{color:#c2d2e3}
.section--navy .card-ico{background:rgba(216,180,81,.16);border-color:rgba(216,180,81,.3)}
.section--navy .card-ico svg{fill:var(--gold-light)}
.section--navy .card-list li::before{background:var(--gold-light)}

/* Feature strip */
.feature{display:flex;gap:16px;align-items:flex-start}
.feature .card-ico{margin-bottom:0;width:50px;height:50px;border-radius:14px}
.feature h4{margin-bottom:.35em;font-family:var(--font-head);color:var(--navy);font-size:1.06rem}
.feature p{margin:0;font-size:.94rem;color:var(--muted)}

/* Process / steps (icon based, no numbering) */
.process{position:relative}
.process .card{text-align:center}
.process .card-ico{margin-left:auto;margin-right:auto;border-radius:50%;width:64px;height:64px}
.process .card-ico svg{width:28px;height:28px}
.process .arrow{display:none}

/* Testimonials */
.quote{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:32px 28px;box-shadow:var(--shadow-sm);height:100%;position:relative;
}
.quote::before{
  content:"\201C";font-family:var(--font-head);font-size:5rem;line-height:1;
  color:rgba(201,154,46,.28);position:absolute;top:6px;left:20px;
}
.quote blockquote{margin:26px 0 20px;font-size:1rem;font-style:italic;color:var(--ink);padding:0}
.quote-who{display:flex;align-items:center;gap:12px}
.avatar{
  width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;
  display:grid;place-items:center;font-weight:700;font-family:var(--font-head);flex:none;font-size:1rem;
}
.quote-who strong{display:block;color:var(--navy);font-size:.95rem}
.quote-who span{font-size:.83rem;color:var(--muted)}

/* Blog cards */
.post-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  box-shadow:var(--shadow-sm);display:flex;flex-direction:column;height:100%;
  transition:transform .2s ease,box-shadow .2s ease;
}
.post-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.post-thumb{position:relative;overflow:hidden;aspect-ratio:16/10;background:var(--bg-alt)}
.post-thumb img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.post-card:hover .post-thumb img{transform:scale(1.05)}
.post-cat{
  position:absolute;left:14px;top:14px;background:rgba(10,37,64,.88);color:var(--gold-light);
  font-size:.72rem;font-weight:700;letter-spacing:.11em;text-transform:uppercase;
  padding:6px 12px;border-radius:100px;
}
.post-body{padding:26px 24px 28px;display:flex;flex-direction:column;flex:1}
.post-meta{font-size:.8rem;color:var(--muted);letter-spacing:.04em;text-transform:uppercase;font-weight:600;margin-bottom:10px}
.post-body h3{font-size:1.18rem;margin-bottom:.55em}
.post-body h3 a{color:var(--navy)}
.post-body h3 a:hover{color:var(--navy-700)}
.post-body p{font-size:.94rem;color:var(--muted);margin-bottom:20px}
.post-body .link-arrow{margin-top:auto;font-size:.9rem}

/* ---------- Forms ---------- */
.form-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:40px 38px;box-shadow:var(--shadow);
}
.form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.form-field{display:flex;flex-direction:column;gap:8px}
.form-field--full{grid-column:1 / -1}
label{font-size:.9rem;font-weight:700;color:var(--ink)}
.label-hint{font-weight:500;color:var(--muted);font-size:.82rem}
input[type="text"],input[type="email"],input[type="tel"],input[type="date"],select,textarea{
  font-family:var(--font);font-size:.97rem;color:var(--ink);
  padding:13px 16px;border:1px solid var(--line);border-radius:var(--radius-sm);
  background:#fcfdff;width:100%;transition:border-color .18s ease,box-shadow .18s ease;
}
textarea{min-height:150px;resize:vertical}
input:focus,select:focus,textarea:focus{
  outline:none;border-color:var(--navy-600);box-shadow:0 0 0 4px rgba(27,82,144,.12);background:#fff;
}
input[aria-invalid="true"],select[aria-invalid="true"],textarea[aria-invalid="true"]{
  border-color:var(--danger);box-shadow:0 0 0 4px rgba(179,54,44,.10);
}
.error-msg{font-size:.82rem;color:var(--danger);display:none}
.error-msg.show{display:block}
.check-field{display:flex;gap:13px;align-items:flex-start;grid-column:1 / -1;background:var(--bg);border:1px solid var(--line);border-radius:var(--radius-sm);padding:16px 18px}
.check-field input[type="checkbox"]{width:20px;height:20px;flex:none;margin-top:3px;accent-color:var(--navy)}
.check-field label{font-weight:500;font-size:.9rem;color:var(--body);line-height:1.6}
.check-field label a{font-weight:700}
.form-note{font-size:.84rem;color:var(--muted);margin:18px 0 0}
.form-status{
  display:none;align-items:flex-start;gap:14px;background:#eef8f3;border:1px solid #bfe3d1;
  color:#155c40;border-radius:var(--radius);padding:20px 22px;margin-bottom:26px;
}
.form-status.show{display:flex}
.form-status .ico{width:26px;height:26px;flex:none;fill:var(--success)}
.form-status strong{display:block;color:#11543a;margin-bottom:2px}
.form-status p{margin:0;font-size:.92rem;color:#256b50}
.form-status--warn{background:var(--gold-soft);border-color:#ecd9a6;color:#6d5312}
.form-status--warn .ico{fill:var(--gold)}
.form-status--warn strong{color:#5c4610}
.form-status--warn p{color:#7a5f18}

/* Newsletter inline strip */
.newsletter{background:linear-gradient(140deg,var(--navy) 0%,var(--navy-700) 100%);position:relative;overflow:hidden}
.newsletter::after{content:"";position:absolute;right:-100px;top:-130px;width:400px;height:400px;border-radius:50%;background:radial-gradient(circle,rgba(216,180,81,.26) 0%,rgba(216,180,81,0) 70%)}
.newsletter .container{position:relative;z-index:2}
.newsletter-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.newsletter h2{color:#fff;margin-bottom:14px}
.newsletter p{color:#c7d8e9;margin-bottom:22px}
.newsletter-form{display:flex;gap:12px;background:#fff;border-radius:100px;padding:8px;box-shadow:var(--shadow)}
.newsletter-form input{border:0;background:transparent;box-shadow:none;padding:12px 18px}
.newsletter-form input:focus{box-shadow:none;background:transparent}
.newsletter-form .btn{flex:none}
.newsletter .tiny{font-size:.82rem;color:#a9c1d8;margin:16px 0 0}

/* ---------- Info / content blocks ---------- */
.info-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow-sm);height:100%}
.info-card .card-ico{width:50px;height:50px;border-radius:14px;margin-bottom:16px}
.info-card h3{font-size:1.08rem;margin-bottom:.4em}
.info-card p{margin:0;font-size:.95rem;color:var(--muted)}
.info-card a{font-weight:600}

.split{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.split img{border-radius:var(--radius-lg);box-shadow:var(--shadow)}
.split--media-right .split-media{order:2}

.value-list{list-style:none;padding:0;margin:26px 0 0}
.value-list li{display:flex;gap:15px;align-items:flex-start;padding-bottom:20px;margin-bottom:20px;border-bottom:1px dashed var(--line)}
.value-list li:last-child{border-bottom:0;padding-bottom:0;margin-bottom:0}
.value-list .card-ico{width:46px;height:46px;border-radius:13px;margin:0;flex:none}
.value-list h4{margin:0 0 .3em;font-family:var(--font-head);color:var(--navy);font-size:1.04rem}
.value-list p{margin:0;font-size:.94rem;color:var(--muted)}

.service-block{border:1px solid var(--line);border-radius:var(--radius-lg);background:#fff;box-shadow:var(--shadow-sm);padding:40px;margin-bottom:34px;scroll-margin-top:110px}
.service-block:last-child{margin-bottom:0}
.service-block__head{display:flex;gap:20px;align-items:flex-start;margin-bottom:18px}
.service-block__head .card-ico{margin:0;width:60px;height:60px;border-radius:18px}
.service-block__head p{color:var(--muted);margin:.4em 0 0;font-size:.96rem}
.service-cols{display:grid;grid-template-columns:1fr 1fr;gap:26px 40px;margin-top:26px}
.service-cols h4{color:var(--navy);margin-bottom:.7em}
.service-cols ul{list-style:none;padding:0;margin:0}
.service-cols li{position:relative;padding-left:24px;font-size:.94rem;margin-bottom:9px}
.service-cols li::before{content:"";position:absolute;left:0;top:.6em;width:8px;height:8px;border-radius:50%;background:var(--gold)}
.service-foot{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-top:28px;padding-top:24px;border-top:1px solid var(--line)}

.sidebar-card{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.sidebar-card h3{font-size:1.08rem;margin-bottom:.7em}
.sidebar-card ul{list-style:none;padding:0;margin:0}
.sidebar-card li{margin-bottom:12px;padding-bottom:12px;border-bottom:1px dashed var(--line);font-size:.94rem}
.sidebar-card li:last-child{margin-bottom:0;padding-bottom:0;border-bottom:0}
.sidebar-card a{font-weight:600;color:var(--navy-700)}
.sidebar-card a:hover{color:var(--gold)}

/* Article layout */
.article-wrap{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:52px;align-items:start}
.article{max-width:none}
.article-hero img{border-radius:var(--radius-lg);box-shadow:var(--shadow);width:100%}
.article-body{margin-top:38px}
.article-body h2{margin-top:2.1em;font-size:1.6rem}
.article-body h3{margin-top:1.7em;font-size:1.2rem}
.article-body ul li,.article-body ol li{color:var(--body)}
.article-meta{display:flex;flex-wrap:wrap;gap:10px 20px;align-items:center;font-size:.86rem;color:var(--muted);margin-bottom:16px}
.article-meta .tag{background:var(--gold-soft);border:1px solid #f0e0b4;color:#7a5c12;font-weight:700;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;padding:5px 12px;border-radius:100px}
.article-meta .author{font-weight:600;color:var(--navy)}
.callout{background:var(--gold-soft);border-left:5px solid var(--gold);border-radius:var(--radius-sm);padding:22px 24px;margin:30px 0}
.callout p:last-child{margin-bottom:0}
.callout strong{color:#6d5312}
.article-share{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:38px;padding-top:26px;border-top:1px solid var(--line);font-size:.9rem}
.article-nav{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:44px}
.article-nav a{display:block;border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;background:#fff}
.article-nav a:hover{border-color:#cfdcea;transform:translateY(-3px)}
.article-nav span{display:block;font-size:.76rem;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);font-weight:700;margin-bottom:6px}
.article-nav strong{color:var(--navy);font-size:.98rem;font-weight:700}

/* FAQ */
.faq-item{border:1px solid var(--line);border-radius:var(--radius);background:#fff;margin-bottom:14px;overflow:hidden}
.faq-item summary{
  cursor:pointer;padding:20px 24px;font-family:var(--font-head);font-weight:700;color:var(--navy);
  font-size:1.04rem;list-style:none;display:flex;justify-content:space-between;gap:18px;align-items:center;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-family:var(--font);font-size:1.4rem;color:var(--gold);line-height:1}
.faq-item[open] summary::after{content:"\2013"}
.faq-item .faq-body{padding:0 24px 22px;color:var(--muted);font-size:.95rem}

/* Policy / legal pages */
.policy-wrap{display:grid;grid-template-columns:262px minmax(0,1fr);gap:52px;align-items:start}
.policy-nav{position:sticky;top:104px;background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.policy-nav h3{font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:14px;font-family:var(--font)}
.policy-nav ul{list-style:none;padding:0;margin:0}
.policy-nav li{margin-bottom:10px}
.policy-nav a{font-size:.92rem;font-weight:600;color:var(--navy)}
.policy-nav a:hover{color:var(--gold)}
.policy-body h2{font-size:1.42rem;margin-top:2.2em;scroll-margin-top:110px}
.policy-body h2:first-of-type{margin-top:0}
.policy-body h3{font-size:1.1rem;margin-top:1.6em}
.policy-body ul{list-style:none;padding-left:0}
.policy-body ul li{position:relative;padding-left:26px}
.policy-body ul li::before{content:"";position:absolute;left:2px;top:.62em;width:9px;height:9px;border-radius:50%;background:var(--gold)}
.policy-meta{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;font-size:.92rem;color:var(--muted);margin-bottom:34px}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:52px;align-items:start}
.contact-item{display:flex;gap:16px;padding-bottom:22px;margin-bottom:22px;border-bottom:1px dashed var(--line)}
.contact-item:last-child{border-bottom:0;padding-bottom:0;margin-bottom:0}
.contact-item .card-ico{margin:0;width:50px;height:50px;border-radius:14px;flex:none}
.contact-item h4{margin:0 0 .35em;font-family:var(--font-head);color:var(--navy);font-size:1.03rem}
.contact-item p{margin:0;font-size:.95rem;color:var(--body)}
.map-card{
  border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--line);background:
  repeating-linear-gradient(45deg,var(--bg-alt) 0 18px,#fff 18px 36px);
  min-height:280px;display:grid;place-items:center;text-align:center;padding:34px;box-shadow:var(--shadow-sm);
}
.map-card .card-ico{margin:0 auto 16px;width:58px;height:58px;border-radius:50%}
.map-card strong{display:block;color:var(--navy);font-family:var(--font-head);font-size:1.1rem;margin-bottom:6px}
.map-card p{margin:0;color:var(--muted);font-size:.94rem}

/* CTA band */
.cta-band{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cta-inner{display:flex;flex-wrap:wrap;gap:26px;align-items:center;justify-content:space-between;padding:56px 0}
.cta-inner h2{margin-bottom:8px}
.cta-inner p{margin:0;color:var(--muted);max-width:52ch}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#a9c1d8;padding:70px 0 0;font-size:.94rem}
.footer-grid{display:grid;grid-template-columns:1.45fr 1fr 1fr 1.35fr;gap:40px}
.site-footer h3{color:#fff;font-size:1rem;letter-spacing:.03em;margin-bottom:18px;font-family:var(--font-head)}
.site-footer .brand-name{color:#fff}
.site-footer p{color:#a9c1d8}
.footer-links{list-style:none;padding:0;margin:0}
.footer-links li{margin-bottom:11px}
.footer-links a{color:#bcd0e4}
.footer-links a:hover{color:var(--gold-light)}
.footer-contact{list-style:none;padding:0;margin:0}
.footer-contact li{display:flex;gap:12px;align-items:flex-start;margin-bottom:14px;color:#bcd0e4}
.footer-contact a{color:#bcd0e4}
.footer-contact a:hover{color:var(--gold-light)}
.footer-contact .ico{width:17px;height:17px;flex:none;margin-top:5px;fill:var(--gold-light)}
.footer-news p{font-size:.9rem}
.footer-news form{display:flex;flex-direction:column;gap:12px}
.footer-news input{border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.07);color:#eef4fb;border-radius:var(--radius-sm)}
.footer-news input::placeholder{color:#93aec9}
.footer-news input:focus{border-color:var(--gold-light);box-shadow:0 0 0 4px rgba(216,180,81,.18);background:rgba(255,255,255,.10)}
.footer-news .btn{margin-top:4px}
.footer-news .link-arrow{color:var(--gold-light);font-size:.85rem}
.footer-news .link-arrow:hover{color:#fff}
.footer-bottom{margin-top:56px;border-top:1px solid rgba(255,255,255,.13);padding:22px 0;display:flex;flex-wrap:wrap;gap:12px 26px;justify-content:space-between;align-items:center;font-size:.86rem;color:#8fa9c4}
.footer-bottom ul{list-style:none;display:flex;flex-wrap:wrap;gap:8px 22px;margin:0;padding:0}
.footer-bottom li{margin:0}
.footer-bottom a{color:#a9c1d8}
.footer-bottom a:hover{color:var(--gold-light)}
.footer-disclaimer{font-size:.82rem;color:#7f9ab6;margin:0;max-width:100%;padding-bottom:30px;line-height:1.7}
.footer-disclaimer a{color:#a9c1d8;text-decoration:underline}

/* Back to top */
.to-top{
  position:fixed;right:22px;bottom:24px;width:48px;height:48px;border-radius:50%;
  background:var(--navy);color:#fff;border:0;display:grid;place-items:center;cursor:pointer;
  box-shadow:var(--shadow);opacity:0;pointer-events:none;transform:translateY(12px);
  transition:opacity .25s ease,transform .25s ease;z-index:70;
}
.to-top.show{opacity:1;pointer-events:auto;transform:none}
.to-top:hover{background:var(--navy-700)}
.to-top svg{width:18px;height:18px;fill:#fff}

/* Reveal animation */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.reveal.is-visible{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
}

.skip-link{
  position:absolute;left:-9999px;top:0;background:#fff;color:var(--navy);
  padding:12px 20px;z-index:200;border-radius:0 0 var(--radius-sm) 0;font-weight:700;
}
.skip-link:focus{left:0}

/* ---------- Responsive ---------- */
@media (max-width:1040px){
  .g-4{grid-template-columns:repeat(2,1fr)}
  .article-wrap{grid-template-columns:1fr}
  .policy-wrap{grid-template-columns:1fr}
  .policy-nav{position:static}
  .footer-grid{grid-template-columns:repeat(2,1fr);gap:36px}
}
@media (max-width:940px){
  .nav-toggle{display:block}
  .main-nav{
    position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);
    box-shadow:var(--shadow);max-height:0;overflow:hidden;transition:max-height .32s ease;
  }
  .main-nav.is-open{max-height:520px;overflow-y:auto}
  .main-nav ul{flex-direction:column;align-items:stretch;gap:0;padding:12px 18px 20px}
  .main-nav a{padding:14px 12px;border-radius:var(--radius-sm)}
  .header-cta .btn{display:none}
  .hero-grid{grid-template-columns:1fr;gap:44px;padding:70px 0 76px}
  .hero-badge{left:14px;right:14px;bottom:16px;max-width:none}
  .split,.newsletter-inner,.contact-grid,.g-3{grid-template-columns:1fr}
  .split--media-right .split-media{order:0}
  .split{gap:36px}
  .g-2{grid-template-columns:1fr}
  .service-cols{grid-template-columns:1fr}
  .newsletter-inner{gap:30px}
  .section{padding:66px 0}
}
@media (max-width:640px){
  body{font-size:16px}
  .g-4{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .form-card{padding:28px 22px}
  .service-block{padding:26px 22px}
  .footer-grid{grid-template-columns:1fr}
  .newsletter-form{flex-direction:column;border-radius:var(--radius);padding:14px}
  .newsletter-form .btn{width:100%}
  .cta-inner{padding:44px 0}
  .article-nav{grid-template-columns:1fr}
  .topbar .container{justify-content:center;text-align:center}
  .hero-grid{padding:56px 0 70px}
}