/* Modern Bank design system
   Palette: 60% neutral, 30% purple, 10% amber accent
*/
:root {
    --p-50: #F9F2F9;
    --p-100: #F0E3F0;
    --p-200: #E1C7E1;
    --p-300: #D2AAD2;
    --p-400: #B77EB9;
    --p-500: #9F579F;
    --p-600: #692E6B;
    --p-700: #562557;
    --p-800: #431D44;
    --p-900: #301430;
    --bg: #FFFFFF;
    --bg-soft: #F8F7FC;
    --line: #E9E5F5;
    --ink: #0F172A;
    --ink-2: #334155;
    --muted: #64748B;
    --amber: #F59E0B;
    --radius: 14px;
    --radius-sm: 10px;
    --radius-lg: 20px;
    --shadow-sm: 0 1px 2px rgba(15, 23, 42, .06);
    --shadow: 0 18px 40px -24px rgba(76, 29, 149, .35);
    --shadow-lg: 0 30px 60px -30px rgba(46, 16, 101, .4);
    --font-head: 'Manrope', system-ui, sans-serif;
    --font-body: 'Inter', system-ui, sans-serif;
    --container: 1200px;
}

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

html {
    scroll-behavior: smooth;
    scroll-padding-top: 5.5rem;
    -webkit-text-size-adjust: 100%
}

body {
    margin: 0;
    font-family: var(--font-body);
    font-size: 1rem;
    line-height: 1.65;
    color: var(--ink-2);
    background: var(--bg);
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility
}

img {
    max-width: 100%;
    display: block
}

a {
    color: inherit;
    text-decoration: none
}

button {
    font: inherit;
    cursor: pointer;
    border: 0;
    background: none;
    color: inherit
}

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

h1,
h2,
h3,
h4,
h5 {
    font-family: var(--font-head);
    color: var(--p-900);
    line-height: 1.12;
    letter-spacing: -.025em;
    margin: 0 0 .6em;
    font-weight: 800
}

h1 {
    font-size: clamp(2.4rem, 5vw, 4rem)
}

h2 {
    font-size: clamp(1.9rem, 3.4vw, 2.9rem)
}

h3 {
    font-size: clamp(1.15rem, 1.6vw, 1.35rem);
    letter-spacing: -.015em
}

p {
    margin: 0 0 1rem
}

svg {
    display: block
}

.container {
    width: min(calc(100% - 2.5rem), var(--container));
    margin-inline: auto
}

.section {
    padding: clamp(4rem, 7vw, 7rem) 0
}

.section-soft {
    background: var(--bg-soft)
}

.skip-link {
    position: absolute;
    left: -9999px;
    top: 0;
    background: var(--p-700);
    color: #fff;
    padding: .75rem 1rem;
    z-index: 200
}

.skip-link:focus {
    left: 1rem;
    top: 1rem
}

:focus-visible {
    outline: 3px solid var(--p-400);
    outline-offset: 3px;
    border-radius: 4px
}

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: .6rem;
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--p-700);
    margin-bottom: 1rem
}

.eyebrow::before {
    content: "";
    width: 1.8rem;
    height: 2px;
    background: var(--amber);
    border-radius: 2px
}

.section-head {
    max-width: 720px;
    margin-bottom: clamp(2rem, 4vw, 3.5rem)
}

.section-head.center {
    margin-inline: auto;
    text-align: center
}

.section-head p {
    font-size: 1.0625rem;
    color: var(--muted);
    margin: 0
}

.lead {
    font-size: 1.0625rem;
    color: var(--muted)
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: .55rem;
    padding: .9rem 1.5rem;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: .95rem;
    line-height: 1;
    transition: transform .2s, background .2s, color .2s, border-color .2s, box-shadow .2s;
    white-space: nowrap
}

.btn svg {
    width: 1.1rem;
    height: 1.1rem;
    flex-shrink: 0
}

.btn-primary {
    background: var(--p-700);
    color: #fff;
    box-shadow: 0 10px 24px -12px rgba(109, 40, 217, .6)
}

.btn-primary:hover {
    background: var(--p-800);
    transform: translateY(-1px)
}

.btn-ghost {
    background: transparent;
    color: var(--p-900);
    border: 1px solid var(--line)
}

.btn-ghost:hover {
    border-color: var(--p-400);
    color: var(--p-700)
}

.btn-light {
    background: #fff;
    color: var(--p-800)
}

.btn-light:hover {
    background: var(--p-50)
}

.btn-outline-light {
    background: transparent;
    color: #fff;
    border: 1px solid rgba(255, 255, 255, .45)
}

.btn-outline-light:hover {
    background: rgba(255, 255, 255, .1);
    border-color: #fff
}

/* Top bar */
.topbar {
    background: var(--p-900);
    color: rgba(255, 255, 255, .75);
    font-size: .8125rem
}

.topbar-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    min-height: 2.5rem;
    flex-wrap: wrap
}

.topbar a {
    color: inherit;
    transition: color .2s
}

.topbar a:hover {
    color: #fff
}

.topbar-links {
    display: flex;
    gap: 1.25rem;
    align-items: center;
    flex-wrap: wrap
}

.topbar-links a {
    display: inline-flex;
    align-items: center;
    gap: .4rem
}

.topbar-links svg {
    width: .95rem;
    height: .95rem;
    color: var(--p-400)
}

@media (max-width:768px) {
    .topbar {
        display: none
    }
}

/* Header */
.site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(255, 255, 255, .94);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid transparent;
    transition: border-color .2s, box-shadow .2s
}

.site-header.scrolled {
    border-bottom-color: var(--line);
    box-shadow: 0 6px 24px -18px rgba(15, 23, 42, .35)
}

.header-inner {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    min-height: 4.75rem
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: .6rem;
    font-family: var(--font-head);
    font-weight: 800;
    font-size: 1.2rem;
    color: var(--p-900);
    letter-spacing: -.03em
}

.brand-mark {
    display: inline-flex;
    color: var(--p-700)
}

.brand-mark svg {
    width: 2rem;
    height: 2rem
}

.brand-accent {
    color: var(--p-700)
}

.main-nav {
    display: flex;
    align-items: center;
    gap: 1.6rem;
    margin-left: auto
}

.main-nav a {
    font-size: .9375rem;
    font-weight: 500;
    color: var(--ink-2);
    position: relative;
    padding: .35rem 0;
    transition: color .2s
}

.main-nav a::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: 0;
    width: 0;
    height: 2px;
    background: var(--p-700);
    border-radius: 2px;
    transition: width .25s
}

.main-nav a:hover {
    color: var(--p-800)
}

.main-nav a:hover::after {
    width: 100%
}

.main-nav a[aria-current="page"] {
    color: var(--p-700);
    font-weight: 600
}

.header-actions {
    display: flex;
    align-items: center;
    gap: .65rem;
    margin-left: .5rem
}

.nav-toggle {
    display: none;
    width: 2.75rem;
    height: 2.75rem;
    align-items: center;
    justify-content: center;
    border: 1px solid var(--line);
    border-radius: var(--radius-sm);
    color: var(--p-900)
}

.nav-toggle svg {
    width: 1.35rem;
    height: 1.35rem
}

@media (max-width:1024px) {
    .main-nav {
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        display: flex;
        flex-direction: column;
        align-items: stretch;
        gap: 0;
        background: #fff;
        border-bottom: 1px solid var(--line);
        padding: .5rem 1.25rem 1.25rem;
        box-shadow: 0 30px 40px -30px rgba(15, 23, 42, .35);
        transform: translateY(-6px);
        opacity: 0;
        visibility: hidden;
        transition: transform .22s ease, opacity .22s ease, visibility .22s;
        margin-left: 0
    }

    .main-nav.open {
        transform: translateY(0);
        opacity: 1;
        visibility: visible
    }

    .main-nav a {
        padding: .9rem .25rem;
        border-bottom: 1px solid var(--line);
        font-size: 1rem
    }

    .main-nav a:last-child {
        border-bottom: 0
    }

    .main-nav a::after {
        display: none
    }

    .header-actions {
        display: none
    }

    .nav-toggle {
        display: inline-flex;
        margin-left: auto
    }
}

/* Hero */
.hero {
    position: relative;
    isolation: isolate;
    color: #fff;
    background: var(--p-900);
    overflow: hidden
}

.hero-bg {
    position: absolute;
    inset: 0;
    z-index: -2;
    width: 100%;
    height: 100%;
    object-fit: cover
}

.hero::after {
    content: "";
    position: absolute;
    inset: 0;
    z-index: -1;
    background: rgba(0, 0, 0, .8)
}

.hero-inner {
    padding: clamp(5rem, 10vw, 8.5rem) 0 clamp(3rem, 6vw, 5rem);
    max-width: 780px
}

.hero .eyebrow {
    color: var(--p-200)
}

.hero .eyebrow::before {
    background: var(--amber)
}

.hero h1 {
    color: #fff;
    margin-bottom: 1.25rem
}

.hero h1 .accent {
    color: var(--p-300)
}

.hero p {
    font-size: clamp(1.02rem, 1.5vw, 1.18rem);
    color: rgba(255, 255, 255, .84);
    max-width: 620px;
    margin-bottom: 2rem
}

.hero-actions {
    display: flex;
    gap: .75rem;
    flex-wrap: wrap
}

.hero-stats {
    display: flex;
    flex-wrap: wrap;
    border-top: 1px solid rgba(255, 255, 255, .18);
    margin-top: clamp(2.5rem, 5vw, 3.5rem);
    padding-top: 1.75rem
}

.hero-stat {
    padding-right: 2.5rem;
    margin-right: 2.5rem;
    border-right: 1px solid rgba(255, 255, 255, .18)
}

.hero-stat:last-child {
    border-right: 0;
    margin-right: 0;
    padding-right: 0
}

.hero-stat strong {
    display: block;
    font-family: var(--font-head);
    font-size: 1.5rem;
    font-weight: 800;
    color: #fff;
    line-height: 1;
    margin-bottom: .35rem
}

.hero-stat span {
    font-size: .82rem;
    color: rgba(255, 255, 255, .65)
}

@media (max-width:640px) {
    .hero-stat {
        flex: 1 1 100%;
        border-right: 0;
        margin-right: 0;
        padding-right: 0;
        padding-bottom: 1rem;
        border-bottom: 1px solid rgba(255, 255, 255, .12)
    }

    .hero-stat:last-child {
        border-bottom: 0;
        padding-bottom: 0
    }
}

/* Trust bar */
.trust {
    padding: 2rem 0;
    border-bottom: 1px solid var(--line);
    background: #fff
}

.trust-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 2rem;
    flex-wrap: wrap
}

.trust-label {
    font-size: .78rem;
    font-weight: 600;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--muted)
}

.trust-logos {
    display: flex;
    align-items: center;
    gap: clamp(1.5rem, 4vw, 3.5rem);
    flex-wrap: wrap;
    font-family: var(--font-head);
    font-weight: 800;
    color: #CBD5E1;
    font-size: 1.05rem;
    letter-spacing: -.02em
}

/* Services grid */
.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.25rem
}

@media (max-width:1024px) {
    .services-grid {
        grid-template-columns: repeat(2, 1fr)
    }
}

@media (max-width:640px) {
    .services-grid {
        grid-template-columns: 1fr
    }
}

.service-card {
    position: relative;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 1.75rem;
    transition: border-color .25s, box-shadow .25s, transform .25s;
    display: flex;
    flex-direction: column
}

.service-card:hover {
    border-color: var(--p-200);
    box-shadow: var(--shadow);
    transform: translateY(-3px)
}

.service-icon {
    width: 3rem;
    height: 3rem;
    border-radius: 12px;
    background: var(--p-50);
    color: var(--p-700);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.1rem
}

.service-icon svg {
    width: 1.5rem;
    height: 1.5rem
}

.service-card h3 {
    margin-bottom: .5rem
}

.service-card p {
    font-size: .9375rem;
    color: var(--muted);
    margin-bottom: 1.25rem
}

.service-link {
    margin-top: auto;
    display: inline-flex;
    align-items: center;
    gap: .4rem;
    font-weight: 600;
    font-size: .9rem;
    color: var(--p-700)
}

.service-link svg {
    width: 1rem;
    height: 1rem;
    transition: transform .2s
}

.service-card:hover .service-link svg {
    transform: translateX(3px)
}

/* Why section */
.why-grid {
    display: grid;
    grid-template-columns: 1.05fr 1fr;
    gap: clamp(2rem, 5vw, 4.5rem);
    align-items: center
}

@media (max-width:900px) {
    .why-grid {
        grid-template-columns: 1fr
    }
}

.why-media {
    position: relative
}

.why-media img {
    border-radius: var(--radius-lg);
    aspect-ratio: 4/3.3;
    object-fit: cover;
    width: 100%
}

.why-badge {
    position: absolute;
    left: -1rem;
    bottom: -1rem;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 1rem 1.25rem;
    box-shadow: var(--shadow);
    display: flex;
    align-items: center;
    gap: .75rem
}

.why-badge strong {
    font-family: var(--font-head);
    font-size: 1.5rem;
    color: var(--p-800);
    line-height: 1
}

.why-badge span {
    font-size: .8rem;
    color: var(--muted);
    max-width: 9.5rem;
    line-height: 1.3
}

@media (max-width:480px) {
    .why-badge {
        left: 0;
        bottom: -1rem
    }
}

.why-points {
    display: grid;
    gap: 1.25rem;
    margin-top: 1.75rem
}

.why-point {
    display: flex;
    gap: 1rem
}

.why-point-icon {
    flex-shrink: 0;
    width: 2.5rem;
    height: 2.5rem;
    border-radius: 50%;
    background: var(--p-50);
    color: var(--p-700);
    display: flex;
    align-items: center;
    justify-content: center
}

.why-point-icon svg {
    width: 1.2rem;
    height: 1.2rem
}

.why-point h3 {
    font-size: 1.05rem;
    margin-bottom: .2rem
}

.why-point p {
    font-size: .9375rem;
    color: var(--muted);
    margin: 0
}

/* NEW: Retirement section (homepage) */
.retirement-section {
    position: relative;
    isolation: isolate;
    color: #fff;
    background: var(--p-900);
    overflow: hidden
}

.retirement-bg {
    position: absolute;
    inset: 0;
    z-index: -2;
    width: 100%;
    height: 100%;
    object-fit: cover
}

.retirement-section::after {
    content: "";
    position: absolute;
    inset: 0;
    z-index: -1;
    background: rgba(0, 0, 0, .86)
}

.retirement-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: clamp(2rem, 5vw, 4rem);
    align-items: center;
    padding: clamp(4rem, 7vw, 6.5rem) 0
}

@media (max-width:900px) {
    .retirement-grid {
        grid-template-columns: 1fr
    }
}

.retirement-section .eyebrow {
    color: var(--p-200)
}

.retirement-section .eyebrow::before {
    background: var(--amber)
}

.retirement-section h2 {
    color: #fff;
    margin-bottom: 1rem
}

.retirement-section p {
    color: rgba(255, 255, 255, .82);
    font-size: 1.02rem
}

.retirement-highlights {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
    margin-top: 2rem
}

@media (max-width:600px) {
    .retirement-highlights {
        grid-template-columns: 1fr
    }
}

.retirement-highlight {
    background: rgba(255, 255, 255, .06);
    border: 1px solid rgba(255, 255, 255, .14);
    border-radius: 12px;
    padding: 1.1rem
}

.retirement-highlight svg {
    width: 1.35rem;
    height: 1.35rem;
    color: var(--p-300);
    margin-bottom: .6rem
}

.retirement-highlight h3 {
    color: #fff;
    font-size: .95rem;
    margin-bottom: .25rem
}

.retirement-highlight p {
    color: rgba(255, 255, 255, .65);
    font-size: .82rem;
    margin: 0
}

.retirement-actions {
    display: flex;
    gap: .75rem;
    flex-wrap: wrap;
    margin-top: 2rem
}

.retirement-media {
    position: relative
}

.retirement-media img {
    border-radius: var(--radius-lg);
    aspect-ratio: 4/3.4;
    object-fit: cover;
    width: 100%
}

.retirement-media-badge {
    position: absolute;
    right: -1rem;
    bottom: -1rem;
    background: #fff;
    border-radius: var(--radius);
    padding: 1rem 1.25rem;
    box-shadow: var(--shadow-lg);
    display: flex;
    align-items: center;
    gap: .75rem;
    color: var(--p-900)
}

.retirement-media-badge strong {
    font-family: var(--font-head);
    font-size: 1.4rem;
    color: var(--p-700);
    line-height: 1
}

.retirement-media-badge span {
    font-size: .78rem;
    color: var(--muted);
    max-width: 8.5rem;
    line-height: 1.3
}

@media (max-width:480px) {
    .retirement-media-badge {
        right: 0;
        bottom: -1rem
    }
}

/* NEW: Rates section */
.rates-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1rem
}

@media (max-width:900px) {
    .rates-grid {
        grid-template-columns: repeat(2, 1fr)
    }
}

@media (max-width:480px) {
    .rates-grid {
        grid-template-columns: 1fr
    }
}

.rate-card {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 1.5rem;
    display: flex;
    flex-direction: column
}

.rate-card .label {
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--p-700);
    margin-bottom: .75rem
}

.rate-card .rate {
    font-family: var(--font-head);
    font-weight: 800;
    font-size: clamp(1.9rem, 3vw, 2.4rem);
    color: var(--p-900);
    line-height: 1;
    margin-bottom: .35rem
}

.rate-card .rate-meta {
    font-size: .82rem;
    color: var(--muted);
    margin-bottom: 1rem
}

.rate-card .rate-desc {
    font-size: .875rem;
    color: var(--muted);
    margin-bottom: 1.25rem;
    flex-grow: 1
}

.rate-card a {
    font-weight: 600;
    font-size: .875rem;
    color: var(--p-700);
    display: inline-flex;
    align-items: center;
    gap: .35rem
}

.rate-card a svg {
    width: .9rem;
    height: .9rem
}

.rate-disclaimer {
    font-size: .78rem;
    color: var(--muted);
    margin-top: 1.5rem;
    line-height: 1.5
}

/* Calculator */
.calculator {
    position: relative;
    isolation: isolate;
    color: #fff;
    background: var(--p-900);
    overflow: hidden
}

.calculator-bg {
    position: absolute;
    inset: 0;
    z-index: -2;
    width: 100%;
    height: 100%;
    object-fit: cover
}

.calculator::after {
    content: "";
    position: absolute;
    inset: 0;
    z-index: -1;
    background: rgba(0, 0, 0, .9)
}

.calculator .eyebrow {
    color: var(--p-200)
}

.calculator .section-head p {
    color: rgba(255, 255, 255, .76)
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: clamp(2rem, 5vw, 4rem);
    align-items: center
}

.calculator-grid h2 {
    color: #fff;
    /* margin-bottom: 1rem */
}

.calculator-grid .lead {
    color: var(--p-100);
}

@media (max-width:860px) {
    .calculator-grid {
        grid-template-columns: 1fr
    }
}

.calc-form {
    display: grid;
    gap: 1.1rem
}

.calc-field label {
    display: block;
    font-size: .85rem;
    font-weight: 600;
    color: rgba(255, 255, 255, .78);
    margin-bottom: .4rem
}

.calc-input-wrap {
    position: relative
}

.calc-input-wrap span {
    position: absolute;
    left: 1rem;
    top: 50%;
    transform: translateY(-50%);
    color: rgba(255, 255, 255, .55);
    font-weight: 600
}

.calc-field input {
    width: 100%;
    height: 3.25rem;
    border-radius: var(--radius-sm);
    border: 1px solid rgba(255, 255, 255, .2);
    background: rgba(255, 255, 255, .07);
    color: #fff;
    padding: 0 1rem 0 2.2rem;
    font-size: 1rem;
    transition: border-color .2s, background .2s
}

.calc-field input:focus {
    outline: none;
    border-color: var(--p-400);
    background: rgba(255, 255, 255, .11)
}

.calc-field input::-webkit-outer-spin-button,
.calc-field input::-webkit-inner-spin-button {
    -webkit-appearance: none;
    margin: 0
}

.calc-field input[type=number] {
    -moz-appearance: textfield
}

.calc-result {
    background: #fff;
    color: var(--ink);
    border-radius: 18px;
    padding: clamp(1.5rem, 3vw, 2.25rem);
    box-shadow: var(--shadow-lg)
}

.calc-result h3 {
    color: var(--p-900);
    font-size: 1.1rem;
    margin-bottom: 1.25rem
}

.calc-result .big {
    font-family: var(--font-head);
    font-size: clamp(2.4rem, 4vw, 3.2rem);
    font-weight: 800;
    color: var(--p-700);
    line-height: 1;
    margin-bottom: .25rem
}

.calc-result .big-label {
    font-size: .85rem;
    color: var(--muted);
    margin-bottom: 1.5rem
}

.calc-rows {
    display: grid;
    gap: .65rem;
    border-top: 1px solid var(--line);
    padding-top: 1.25rem
}

.calc-row {
    display: flex;
    justify-content: space-between;
    font-size: .9rem;
    color: var(--muted)
}

.calc-row strong {
    color: var(--p-900)
}

.calc-note {
    font-size: .78rem;
    color: var(--muted);
    margin-top: 1.25rem;
    line-height: 1.5
}

/* Stats */
.stats {
    background: var(--bg-soft);
    border-block: 1px solid var(--line)
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem
}

@media (max-width:820px) {
    .stats-grid {
        grid-template-columns: repeat(2, 1fr)
    }
}

.stat {
    text-align: center;
    padding: 1rem
}

.stat .num {
    font-family: var(--font-head);
    font-weight: 800;
    font-size: clamp(2rem, 3.5vw, 2.9rem);
    color: var(--p-800);
    line-height: 1;
    display: block;
    margin-bottom: .5rem
}

.stat p {
    font-size: .9rem;
    color: var(--muted);
    margin: 0
}

/* Testimonials */
.testimonials {
    background: var(--bg-soft)
}

.testi-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.25rem
}

@media (max-width:900px) {
    .testi-grid {
        display: flex;
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        padding-bottom: 1rem;
        gap: 1rem;
        -webkit-overflow-scrolling: touch
    }

    .testi-card {
        min-width: 86%;
        scroll-snap-align: start
    }
}

.testi-card {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 1.75rem;
    display: flex;
    flex-direction: column
}

.testi-stars {
    display: flex;
    gap: .2rem;
    color: var(--amber);
    margin-bottom: 1rem
}

.testi-stars svg {
    width: 1rem;
    height: 1rem
}

.testi-quote {
    font-size: .975rem;
    color: var(--ink-2);
    margin-bottom: 1.5rem;
    flex-grow: 1
}

.testi-author {
    display: flex;
    align-items: center;
    gap: .8rem;
    border-top: 1px solid var(--line);
    padding-top: 1rem
}

.avatar {
    width: 2.75rem;
    height: 2.75rem;
    border-radius: 50%;
    background: var(--p-100);
    color: var(--p-800);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-head);
    font-weight: 700;
    font-size: .9rem;
    flex-shrink: 0
}

.testi-author strong {
    display: block;
    font-size: .9rem;
    color: var(--p-900);
    font-family: var(--font-head)
}

.testi-author span {
    font-size: .8rem;
    color: var(--muted)
}

/* FAQ */
.faq-list {
    max-width: 820px;
    margin-inline: auto;
    display: grid;
    gap: .75rem
}

.acc-item {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 12px;
    transition: border-color .2s, box-shadow .2s
}

.acc-item.open {
    border-color: var(--p-200);
    box-shadow: var(--shadow-sm)
}

.acc-trigger {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
    padding: 1.15rem 1.35rem;
    text-align: left;
    font-weight: 600;
    font-size: .9875rem;
    color: var(--p-900);
    font-family: var(--font-head)
}

.acc-icon {
    flex-shrink: 0;
    width: 1.75rem;
    height: 1.75rem;
    border-radius: 50%;
    background: var(--p-50);
    color: var(--p-700);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background .25s, color .25s
}

.acc-icon svg {
    width: .95rem;
    height: .95rem;
    transition: transform .25s
}

.acc-item.open .acc-icon {
    background: var(--p-700);
    color: #fff
}

.acc-item.open .acc-icon svg {
    transform: rotate(180deg)
}

.acc-panel {
    max-height: 0;
    overflow: hidden;
    transition: max-height .32s ease
}

.acc-panel-inner {
    padding: 0 1.35rem 1.25rem;
    color: var(--muted);
    font-size: .9375rem
}

/* CTA band */
.cta-band {
    position: relative;
    isolation: isolate;
    color: #fff;
    background: var(--p-900);
    overflow: hidden
}

.cta-bg {
    position: absolute;
    inset: 0;
    z-index: -2;
    width: 100%;
    height: 100%;
    object-fit: cover
}

.cta-band::after {
    content: "";
    position: absolute;
    inset: 0;
    z-index: -1;
    background: rgba(46, 16, 101, .88)
}

.cta-inner {
    padding: clamp(4rem, 7vw, 6.5rem) 0;
    text-align: center;
    max-width: 720px;
    margin-inline: auto
}

.cta-inner h2 {
    color: #fff;
    margin-bottom: 1rem
}

.cta-inner p {
    color: rgba(255, 255, 255, .82);
    margin-bottom: 2rem;
    font-size: 1.05rem
}

.cta-actions {
    display: flex;
    gap: .75rem;
    justify-content: center;
    flex-wrap: wrap
}

/* Footer */
.site-footer {
    background: #0F172A;
    color: rgba(255, 255, 255, .7);
    font-size: .9rem
}

.footer-top {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr 1.5fr;
    gap: 2rem;
    padding: clamp(3rem, 6vw, 4.5rem) 0
}

@media (max-width:1100px) {
    .footer-top {
        grid-template-columns: 1fr 1fr 1fr
    }
}

@media (max-width:760px) {
    .footer-top {
        grid-template-columns: 1fr 1fr
    }
}

@media (max-width:520px) {
    .footer-top {
        grid-template-columns: 1fr
    }
}

.footer-brand .brand {
    color: #fff;
    margin-bottom: 1rem
}

.footer-brand .brand-accent {
    color: var(--p-400)
}

.footer-brand p {
    max-width: 18rem;
    font-size: .875rem;
    line-height: 1.6;
    margin-bottom: 1.25rem
}

.footer-social {
    display: flex;
    gap: .5rem
}

.footer-social a {
    width: 2.25rem;
    height: 2.25rem;
    border-radius: 8px;
    background: rgba(255, 255, 255, .08);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background .2s
}

.footer-social a:hover {
    background: var(--p-700);
    color: #fff
}

.footer-social svg {
    width: 1rem;
    height: 1rem
}

.footer-col h4 {
    color: #fff;
    font-family: var(--font-head);
    font-size: .95rem;
    margin-bottom: 1rem;
    letter-spacing: 0
}

.footer-col ul {
    display: grid;
    gap: .6rem
}

.footer-col a {
    font-size: .875rem;
    transition: color .2s
}

.footer-col a:hover {
    color: #fff
}

.footer-newsletter p {
    font-size: .875rem;
    margin-bottom: 1rem
}

.newsletter-form {
    display: flex;
    gap: .5rem;
    flex-wrap: wrap
}

.newsletter-form input {
    flex: 1;
    min-width: 0;
    height: 2.75rem;
    border-radius: 8px;
    border: 1px solid rgba(255, 255, 255, .18);
    background: rgba(255, 255, 255, .06);
    color: #fff;
    padding: 0 .9rem;
    font-size: .875rem
}

.newsletter-form input::placeholder {
    color: rgba(255, 255, 255, .45)
}

.newsletter-form input:focus {
    outline: none;
    border-color: var(--p-400)
}

.newsletter-form button {
    height: 2.75rem;
    padding: 0 1.1rem;
    border-radius: 8px;
    background: var(--p-600);
    color: #fff;
    font-weight: 600;
    font-size: .875rem;
    transition: background .2s
}

.newsletter-form button:hover {
    background: var(--p-500)
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, .12);
    padding: 1.25rem 0;
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    flex-wrap: wrap;
    font-size: .8125rem;
    color: rgba(255, 255, 255, .5)
}

.footer-bottom a:hover {
    color: #fff
}

.footer-legal {
    display: flex;
    gap: 1.25rem;
    flex-wrap: wrap
}

/* ========================================================
   SERVICE PAGE template
   ======================================================== */
.service-hero {
    position: relative;
    isolation: isolate;
    color: #fff;
    background: var(--p-900);
    overflow: hidden
}

.service-hero-bg {
    position: absolute;
    inset: 0;
    z-index: -2;
    width: 100%;
    height: 100%;
    object-fit: cover
}

.service-hero::after {
    content: "";
    position: absolute;
    inset: 0;
    z-index: -1;
    background: rgba(0, 0, 0, .8)
}

.service-hero-inner {
    padding: clamp(4.5rem, 8vw, 7rem) 0;
    max-width: 780px
}

.service-hero .eyebrow {
    color: var(--p-200)
}

.service-hero .eyebrow::before {
    background: var(--amber)
}

.service-hero h1 {
    color: #fff;
    margin-bottom: 1rem
}

.service-hero p {
    color: rgba(255, 255, 255, .85);
    font-size: clamp(1.02rem, 1.5vw, 1.15rem);
    max-width: 620px;
    margin-bottom: 2rem
}

.breadcrumb {
    display: flex;
    align-items: center;
    gap: .5rem;
    font-size: .875rem;
    color: rgba(255, 255, 255, .65);
    flex-wrap: wrap;
    margin-bottom: 1.25rem
}

.breadcrumb a:hover {
    color: #fff
}

.breadcrumb .sep {
    opacity: .5
}

.split-section {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: clamp(2rem, 5vw, 4.5rem);
    align-items: center
}

@media (max-width:900px) {
    .split-section {
        grid-template-columns: 1fr
    }
}

.split-media {
    position: relative
}

.split-media img {
    border-radius: var(--radius-lg);
    width: 100%;
    aspect-ratio: 4/3.2;
    object-fit: cover
}

.split-badge {
    position: absolute;
    right: -1rem;
    bottom: -1rem;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 1rem 1.25rem;
    box-shadow: var(--shadow);
    display: flex;
    align-items: center;
    gap: .75rem
}

.split-badge strong {
    font-family: var(--font-head);
    font-size: 1.4rem;
    color: var(--p-700);
    line-height: 1
}

.split-badge span {
    font-size: .78rem;
    color: var(--muted);
    max-width: 8.5rem;
    line-height: 1.3
}

@media (max-width:480px) {
    .split-badge {
        right: 0;
        bottom: -1rem
    }
}

.check-list {
    display: grid;
    gap: .9rem
}

.check-list li {
    display: flex;
    gap: .75rem;
    align-items: flex-start;
    font-size: .95rem
}

.check-list svg {
    width: 1.25rem;
    height: 1.25rem;
    color: var(--p-600);
    flex-shrink: 0;
    margin-top: .15rem
}

.check-list strong {
    color: var(--p-900);
    font-weight: 600
}

.feature-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.25rem
}

@media (max-width:1024px) {
    .feature-grid {
        grid-template-columns: repeat(2, 1fr)
    }
}

@media (max-width:520px) {
    .feature-grid {
        grid-template-columns: 1fr
    }
}

.feature-card {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 1.6rem;
    transition: border-color .25s, box-shadow .25s, transform .25s
}

.feature-card:hover {
    border-color: var(--p-200);
    box-shadow: var(--shadow);
    transform: translateY(-3px)
}

.feature-icon {
    width: 2.75rem;
    height: 2.75rem;
    border-radius: 11px;
    background: var(--p-50);
    color: var(--p-700);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1rem
}

.feature-icon svg {
    width: 1.35rem;
    height: 1.35rem
}

.feature-card h3 {
    font-size: 1.02rem;
    margin-bottom: .4rem
}

.feature-card p {
    font-size: .9rem;
    color: var(--muted);
    margin: 0
}

.related-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem
}

@media (max-width:900px) {
    .related-grid {
        grid-template-columns: repeat(2, 1fr)
    }
}

@media (max-width:520px) {
    .related-grid {
        grid-template-columns: 1fr
    }
}

.related-card {
    display: flex;
    flex-direction: column;
    gap: .5rem;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 1.25rem;
    transition: border-color .2s, box-shadow .2s, transform .2s
}

.related-card:hover {
    border-color: var(--p-200);
    box-shadow: var(--shadow);
    transform: translateY(-2px)
}

.related-card .tag {
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--p-700)
}

.related-card h3 {
    font-size: 1rem;
    margin-bottom: 0
}

.related-card p {
    font-size: .85rem;
    color: var(--muted);
    margin: 0
}

.related-card .arrow {
    margin-top: .5rem;
    color: var(--p-700);
    display: inline-flex;
    align-items: center;
    gap: .3rem;
    font-size: .82rem;
    font-weight: 600
}

.related-card .arrow svg {
    width: .85rem;
    height: .85rem;
    transition: transform .2s
}

.related-card:hover .arrow svg {
    transform: translateX(3px)
}

/* Reveal */
.reveal {
    opacity: 0;
    transform: translateY(18px);
    transition: opacity .6s ease, transform .6s ease
}

.reveal.in {
    opacity: 1;
    transform: none
}

@media (prefers-reduced-motion:reduce) {
    .reveal {
        opacity: 1;
        transform: none;
        transition: none
    }

    html {
        scroll-behavior: auto
    }
}


/* ========================================================
   PHASE 4: Legal document layout and 404
   ======================================================== */
.legal-layout {
    display: grid;
    grid-template-columns: 240px 1fr;
    gap: clamp(2rem, 4vw, 4rem);
    align-items: start
}

@media (max-width:900px) {
    .legal-layout {
        grid-template-columns: 1fr
    }
}

.legal-toc {
    position: sticky;
    top: 6rem;
    font-size: .9rem
}

@media (max-width:900px) {
    .legal-toc {
        position: static
    }
}

.legal-toc h2 {
    font-size: .78rem;
    text-transform: uppercase;
    letter-spacing: .12em;
    color: var(--muted);
    font-family: var(--font-head);
    font-weight: 800;
    margin-bottom: .85rem
}

.legal-toc ul {
    display: grid;
    gap: .15rem;
    border-left: 2px solid var(--line);
    padding-left: .85rem
}

.legal-toc a {
    display: block;
    padding: .4rem 0;
    color: var(--ink-2);
    font-weight: 500;
    line-height: 1.35;
    transition: color .2s
}

.legal-toc a:hover,
.legal-toc a.active {
    color: var(--p-700);
    font-weight: 600
}

.legal-content {
    max-width: 720px
}

.legal-meta {
    display: flex;
    flex-wrap: wrap;
    gap: .5rem 1.25rem;
    font-size: .82rem;
    color: var(--muted);
    margin-bottom: 2rem;
    padding-bottom: 1.25rem;
    border-bottom: 1px solid var(--line)
}

.legal-meta strong {
    color: var(--p-900);
    font-weight: 600
}

.legal-content h2 {
    font-size: clamp(1.35rem, 2.2vw, 1.65rem);
    margin: 2.5rem 0 1rem;
    padding-top: .5rem;
    scroll-margin-top: 6rem
}

.legal-content h2:first-of-type {
    margin-top: 0
}

.legal-content h3 {
    font-size: 1.08rem;
    margin: 1.75rem 0 .65rem;
    scroll-margin-top: 6rem
}

.legal-content p,
.legal-content li {
    color: var(--ink-2);
    font-size: .975rem;
    line-height: 1.7
}

.legal-content p {
    margin-bottom: 1rem
}

.legal-content ul,
.legal-content ol {
    padding-left: 1.25rem;
    margin-bottom: 1rem
}

.legal-content li {
    margin-bottom: .5rem
}

.legal-content a {
    color: var(--p-700);
    font-weight: 500;
    text-decoration: underline;
    text-decoration-thickness: 1px;
    text-underline-offset: 3px
}

.legal-content a:hover {
    color: var(--p-900)
}

.legal-content table {
    width: 100%;
    border-collapse: collapse;
    margin: 1rem 0 1.5rem;
    font-size: .9rem;
    border: 1px solid var(--line);
    border-radius: 10px;
    overflow: hidden
}

.legal-content th,
.legal-content td {
    padding: .75rem .85rem;
    text-align: left;
    border-bottom: 1px solid var(--line)
}

.legal-content thead th {
    background: var(--p-50);
    font-family: var(--font-head);
    font-size: .78rem;
    text-transform: uppercase;
    letter-spacing: .08em;
    color: var(--muted);
    font-weight: 700
}

.legal-content tbody tr:last-child td {
    border-bottom: 0
}

.legal-content .callout {
    background: var(--p-50);
    border: 1px solid var(--p-100);
    border-radius: 12px;
    padding: 1.1rem 1.25rem;
    margin: 1.25rem 0;
    font-size: .9rem;
    color: var(--p-900)
}

.legal-content .callout strong {
    display: block;
    font-family: var(--font-head);
    margin-bottom: .25rem
}

.not-found-section {
    padding: clamp(5rem, 10vw, 9rem) 0;
    text-align: center
}

.not-found-code {
    font-family: var(--font-head);
    font-weight: 800;
    font-size: clamp(5rem, 16vw, 12rem);
    line-height: 1;
    color: var(--p-100);
    letter-spacing: -.05em;
    margin-bottom: -1.5rem
}

.not-found-title {
    font-size: clamp(1.6rem, 3vw, 2.4rem);
    margin-bottom: 1rem;
    position: relative;
    z-index: 1
}

.not-found-descr {
    color: var(--muted);
    max-width: 520px;
    margin: 0 auto 2rem
}

.not-found-actions {
    display: flex;
    gap: .75rem;
    justify-content: center;
    flex-wrap: wrap;
    margin-bottom: 3rem
}

.not-found-links {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: .75rem;
    max-width: 820px;
    margin: 0 auto
}

@media (max-width:820px) {
    .not-found-links {
        grid-template-columns: repeat(2, 1fr)
    }
}

.not-found-link {
    display: flex;
    flex-direction: column;
    gap: .25rem;
    padding: 1.1rem;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 12px;
    text-align: left;
    transition: border-color .2s, box-shadow .2s, transform .2s
}

.not-found-link:hover {
    border-color: var(--p-200);
    box-shadow: var(--shadow-sm);
    transform: translateY(-2px)
}

.not-found-link strong {
    font-family: var(--font-head);
    font-size: .92rem;
    color: var(--p-900)
}

.not-found-link span {
    font-size: .78rem;
    color: var(--muted)
}