/* ============================================================
   Iron Gate Private Capital — Design System
   ============================================================ */

:root {
  /* Brand */
  --navy-950: #081120;
  --navy-900: #0A1628;
  --navy-800: #10233D;
  --navy-700: #16304F;
  --blue-700: #17457E;
  --blue-600: #1E56A8;   /* primary accent */
  --blue-500: #2E6BC4;
  --blue-400: #5B8FDB;
  --blue-300: #8FB4E8;
  --blue-100: #E3EDFA;
  --blue-50:  #F0F5FC;

  /* Neutrals */
  --ink: #13233B;
  --slate: #48586F;
  --slate-light: #6E7E94;
  --line: #E2E8F1;
  --bg: #FFFFFF;
  --bg-soft: #F6F8FB;

  /* Type */
  --font-display: "Sora", system-ui, sans-serif;
  --font-body: "Inter", system-ui, -apple-system, sans-serif;

  /* Layout */
  --container: 1160px;
  --radius: 14px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 2px rgba(10, 22, 40, .05), 0 2px 8px rgba(10, 22, 40, .04);
  --shadow-md: 0 4px 12px rgba(10, 22, 40, .06), 0 12px 32px rgba(10, 22, 40, .08);
  --shadow-lg: 0 8px 24px rgba(10, 22, 40, .10), 0 24px 64px rgba(10, 22, 40, .12);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
input, button, textarea, select { font: inherit; color: inherit; }
a { color: var(--blue-600); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
  color: var(--ink);
}

.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: 24px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 30px;
  border-radius: 10px;
  border: 1px solid transparent;
  font-family: var(--font-display);
  font-size: 1rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  cursor: pointer;
  text-decoration: none !important;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, border-color .15s ease;
}
.btn svg { flex: none; }
.btn-primary {
  background: var(--blue-600);
  color: #fff;
  box-shadow: 0 4px 14px rgba(30, 86, 168, .35);
}
.btn-primary:hover { background: var(--blue-500); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(30, 86, 168, .45); }
.btn-primary:active { transform: translateY(0); }
.btn-ghost {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, .28);
}
.btn-ghost:hover { border-color: rgba(255, 255, 255, .6); background: rgba(255, 255, 255, .06); }
.btn-outline {
  background: #fff;
  color: var(--blue-600);
  border-color: var(--line);
  box-shadow: var(--shadow-sm);
}
.btn-outline:hover { border-color: var(--blue-300); background: var(--blue-50); }
.btn-lg { padding: 18px 36px; font-size: 1.0625rem; }
.btn-block { width: 100%; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 100;
  transition: background .25s ease, box-shadow .25s ease, border-color .25s ease;
  border-bottom: 1px solid transparent;
}
.site-header.on-dark { --nav-ink: #fff; }
.site-header.on-light,
.site-header.scrolled {
  --nav-ink: var(--ink);
  background: rgba(255, 255, 255, .88);
  -webkit-backdrop-filter: blur(14px);
  backdrop-filter: blur(14px);
  border-bottom-color: var(--line);
}
.site-header.on-dark:not(.scrolled) { --nav-ink: #fff; background: transparent; }

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 74px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: "Cinzel", "Playfair Display", Georgia, serif;
  font-weight: 900;
  font-size: 1.32rem;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--nav-ink, var(--ink));
  text-decoration: none !important;
}
.brand .mark { flex: none; }
.brand > span { line-height: 1; }
.brand small {
  display: block;
  margin-top: 3px;
  font-family: var(--font-body);
  font-size: .67rem;
  font-weight: 600;
  letter-spacing: .3em;
  text-transform: uppercase;
  opacity: .6;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 34px;
  list-style: none;
  padding: 0;
}
.nav-links a:not(.btn) {
  font-size: .95rem;
  font-weight: 500;
  color: var(--nav-ink, var(--ink));
  opacity: .85;
  text-decoration: none;
}
.nav-links a:not(.btn):hover { opacity: 1; }
.nav-links .btn { padding: 11px 22px; font-size: .92rem; }

.nav-toggle {
  display: none;
  background: none;
  border: 0;
  padding: 8px;
  cursor: pointer;
  color: var(--nav-ink, var(--ink));
}
.nav-toggle svg { width: 26px; height: 26px; }
.nav-toggle .icon-close { display: none; }
body.nav-open .nav-toggle .icon-open { display: none; }
body.nav-open .nav-toggle .icon-close { display: block; }

.nav-phone { display: none; }

@media (max-width: 860px) {
  .nav-toggle { display: block; position: relative; z-index: 110; }
  .brand { position: relative; z-index: 110; }

  /* Solid white navbar on mobile (menu-open state still overrides) */
  .site-header,
  .site-header.on-dark:not(.scrolled) {
    --nav-ink: var(--ink);
    background: #fff;
    border-bottom-color: var(--line);
  }

  /* Full-page overlay menu */
  .nav-links {
    position: fixed;
    inset: 0;
    z-index: 99;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    margin: 0;
    padding: 112px 30px calc(30px + env(safe-area-inset-bottom));
    background:
      radial-gradient(620px 420px at 88% 6%, rgba(46, 107, 196, .28), transparent 62%),
      radial-gradient(520px 380px at 0% 102%, rgba(30, 86, 168, .18), transparent 60%),
      linear-gradient(175deg, var(--navy-950), var(--navy-900) 58%, var(--navy-800));
    opacity: 0;
    visibility: hidden;
    /* No transition at rest: a breakpoint flip (window resize/minimize)
       must never animate the overlay. Only user open/close animates. */
    transition: none;
    overflow-y: auto;
    counter-reset: navitem;
  }
  body.nav-open .nav-links,
  body.nav-closing .nav-links {
    transition: opacity .3s ease, visibility .3s;
  }
  .nav-links::before {
    content: "";
    position: fixed;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='56' height='56'%3E%3Cpath d='M56 0H0v56' fill='none' stroke='%23ffffff' stroke-opacity='.04'/%3E%3C/svg%3E");
    pointer-events: none;
  }
  body.nav-open { overflow: hidden; }
  body.nav-open .nav-links { opacity: 1; visibility: visible; }

  /* Header blends into the overlay */
  body.nav-open .site-header,
  body.nav-open .site-header.scrolled,
  body.nav-open .site-header.on-dark:not(.scrolled) {
    --nav-ink: #fff;
    background: transparent;
    border-bottom-color: transparent;
    -webkit-backdrop-filter: none;
    backdrop-filter: none;
  }

  /* Staggered entrance */
  .nav-links li {
    display: block;
    position: relative;
    opacity: 0;
    transform: translateY(22px);
    transition: opacity .4s ease, transform .4s ease;
  }
  body.nav-open .nav-links li { opacity: 1; transform: none; }
  body.nav-open .nav-links li:nth-child(1) { transition-delay: .05s; }
  body.nav-open .nav-links li:nth-child(2) { transition-delay: .11s; }
  body.nav-open .nav-links li:nth-child(3) { transition-delay: .17s; }
  body.nav-open .nav-links li:nth-child(4) { transition-delay: .23s; }
  body.nav-open .nav-links li:nth-child(5) { transition-delay: .29s; }
  body.nav-open .nav-links li:nth-child(6) { transition-delay: .35s; }

  .nav-links a:not(.btn) {
    display: flex;
    align-items: baseline;
    gap: 16px;
    padding: 21px 2px;
    font-family: var(--font-display);
    font-size: 1.65rem;
    font-weight: 600;
    letter-spacing: -0.02em;
    color: #fff;
    opacity: 1;
    border-bottom: 1px solid rgba(255, 255, 255, .09);
  }
  .nav-links li:not(.nav-phone) a:not(.btn)::before {
    counter-increment: navitem;
    content: "0" counter(navitem);
    font-family: var(--font-body);
    font-size: .78rem;
    font-weight: 600;
    letter-spacing: .1em;
    color: var(--blue-400);
  }

  /* CTA pinned to the bottom */
  .nav-links li:has(.btn) { margin-top: auto; padding-top: 28px; }
  .nav-links .btn { display: flex; width: 100%; padding: 17px; font-size: 1.05rem; }

  .nav-phone { display: block; }
  .nav-links .nav-phone a {
    justify-content: center;
    border-bottom: 0;
    padding: 18px 0 0;
    gap: 8px;
    font-family: var(--font-body);
    font-size: .93rem;
    font-weight: 500;
    letter-spacing: 0;
    color: rgba(226, 236, 250, .65);
  }
  .nav-links .nav-phone strong { color: #fff; font-weight: 600; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(1000px 500px at 78% -10%, rgba(46, 107, 196, .30), transparent 62%),
    radial-gradient(700px 420px at 8% 108%, rgba(30, 86, 168, .20), transparent 60%),
    linear-gradient(180deg, rgba(8, 17, 32, .93), rgba(10, 22, 40, .88) 55%, rgba(13, 28, 48, .94)),
    url("/assets/img/hero-bg.jpg") center 32% / cover no-repeat var(--navy-900);
  color: #fff;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='56' height='56'%3E%3Cpath d='M56 0H0v56' fill='none' stroke='%23ffffff' stroke-opacity='.045'/%3E%3C/svg%3E");
  pointer-events: none;
}
.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr);
  gap: 64px;
  align-items: center;
  padding: 170px 0 96px;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 7px 14px;
  border-radius: 999px;
  background: rgba(46, 107, 196, .16);
  border: 1px solid rgba(91, 143, 219, .35);
  color: var(--blue-300);
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.eyebrow .dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: #4ADE80;
  box-shadow: 0 0 0 3px rgba(74, 222, 128, .22);
}
.hero h1 {
  margin: 22px 0 20px;
  font-size: clamp(2.35rem, 5.2vw, 3.7rem);
  color: #fff;
}
.hero h1 .accent {
  background: linear-gradient(92deg, var(--blue-300), var(--blue-400));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.hero .lede {
  max-width: 34em;
  font-size: 1.16rem;
  line-height: 1.7;
  color: rgba(226, 236, 250, .82);
}
.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 34px;
}
.hero-note {
  margin-top: 18px;
  font-size: .88rem;
  color: rgba(226, 236, 250, .55);
}

/* Hero card */
.hero-card-wrap { position: relative; }
.hero-card {
  position: relative;
  background: linear-gradient(160deg, rgba(255,255,255,.09), rgba(255,255,255,.04));
  border: 1px solid rgba(255, 255, 255, .13);
  border-radius: var(--radius-lg);
  padding: 30px;
  -webkit-backdrop-filter: blur(8px);
  backdrop-filter: blur(8px);
  box-shadow: 0 30px 80px rgba(4, 10, 22, .55);
}
.hero-card h3 {
  color: #fff;
  font-size: 1.02rem;
  font-weight: 600;
  margin-bottom: 20px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.hero-card h3 svg { color: var(--blue-400); }
.hero-card ul { list-style: none; padding: 0; display: grid; gap: 14px; }
.hero-card li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: .95rem;
  color: rgba(226, 236, 250, .85);
}
.hero-card li svg { flex: none; margin-top: 3px; color: #4ADE80; }
.hero-card .divider { height: 1px; background: rgba(255,255,255,.1); margin: 22px 0; }
.hero-card .range {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}
.hero-card .range .label { font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; color: rgba(226,236,250,.5); }
.hero-card .range .value { font-family: var(--font-display); font-weight: 700; font-size: 1.45rem; color: #fff; }

/* Stats strip */
.stats {
  position: relative;
  border-top: 1px solid rgba(255, 255, 255, .09);
  padding: 34px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
.stat .num {
  font-family: var(--font-display);
  font-size: 1.75rem;
  font-weight: 700;
  color: #fff;
}
.stat .cap { font-size: .88rem; color: rgba(226, 236, 250, .58); margin-top: 2px; }

@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; gap: 44px; padding: 140px 0 72px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 22px; }
}
@media (max-width: 620px) {
  .hero-inner { padding-top: 102px; }
  .hero-ctas { flex-direction: column; align-items: stretch; }
  .hero-ctas .btn { width: 100%; }
}

/* ---------- Sections ---------- */
.section { padding: 96px 0; }
.section.soft { background: var(--bg-soft); }
.section-head { max-width: 640px; margin-bottom: 56px; }
.section-head.center { margin-inline: auto; text-align: center; }
.kicker {
  display: inline-block;
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--blue-600);
  margin-bottom: 14px;
}
.section-head h2 {
  font-size: clamp(1.85rem, 3.6vw, 2.6rem);
  margin-bottom: 16px;
}
.section-head p { color: var(--slate); font-size: 1.1rem; }

/* ---------- Product cards ---------- */
.cards-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}
.card {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 34px 30px 30px;
  box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
  display: flex;
  flex-direction: column;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--blue-300); }
.card .icon {
  width: 52px; height: 52px;
  display: grid;
  place-items: center;
  border-radius: 13px;
  background: var(--blue-50);
  color: var(--blue-600);
  margin-bottom: 22px;
}
.card h3 { font-size: 1.22rem; margin-bottom: 10px; }
.card > p { color: var(--slate); font-size: .98rem; flex: 1; }
.card .amount {
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
}
.card .amount .label {
  font-size: .74rem;
  font-weight: 600;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--slate-light);
}
.card .amount .value {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--blue-600);
}
.card .tags { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 16px; }
.card .tag {
  font-size: .78rem;
  font-weight: 600;
  padding: 5px 12px;
  border-radius: 999px;
  background: var(--bg-soft);
  color: var(--slate);
  border: 1px solid var(--line);
}
@media (max-width: 960px) {
  .cards-3 { grid-template-columns: 1fr; max-width: 520px; margin-inline: auto; }
}

/* ---------- Compare (why a broker) ---------- */
.compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 26px;
  align-items: stretch;
}
.compare-col {
  border-radius: var(--radius-lg);
  padding: 36px 32px;
}
.compare-col.them {
  background: #fff;
  border: 1px solid var(--line);
}
.compare-col.us {
  background: linear-gradient(165deg, var(--navy-800), var(--navy-950));
  color: #fff;
  border: 1px solid var(--navy-700);
  box-shadow: var(--shadow-lg);
}
.compare-col h3 { font-size: 1.18rem; margin-bottom: 22px; display: flex; align-items: center; gap: 10px; }
.compare-col.us h3 { color: #fff; }
.compare-col.them h3 { color: var(--slate); }
.compare-col ul { list-style: none; padding: 0; display: grid; gap: 15px; }
.compare-col li { display: flex; gap: 12px; align-items: flex-start; font-size: .97rem; }
.compare-col li svg { flex: none; margin-top: 3px; }
.compare-col.them li { color: var(--slate); }
.compare-col.them li svg { color: #C4CDD9; }
.compare-col.us li { color: rgba(226, 236, 250, .88); }
.compare-col.us li svg { color: #4ADE80; }
@media (max-width: 860px) {
  .compare { grid-template-columns: 1fr; }
}

/* ---------- How it works ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 26px;
  counter-reset: step;
}
.step {
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 30px 26px;
  box-shadow: var(--shadow-sm);
}
.step .n {
  display: inline-grid;
  place-items: center;
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--blue-600);
  color: #fff;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.05rem;
  margin-bottom: 18px;
  box-shadow: 0 4px 12px rgba(30, 86, 168, .3);
}
.step h3 { font-size: 1.08rem; margin-bottom: 8px; }
.step p { color: var(--slate); font-size: .93rem; }
.step .eta {
  display: inline-block;
  margin-top: 14px;
  font-size: .78rem;
  font-weight: 600;
  color: var(--blue-600);
  background: var(--blue-50);
  padding: 4px 12px;
  border-radius: 999px;
}
@media (max-width: 960px) {
  .steps { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 620px) {
  .steps { grid-template-columns: 1fr; }
}

/* ---------- FAQ ---------- */
.faq-list { max-width: 780px; margin-inline: auto; display: grid; gap: 14px; }
.faq-item {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.faq-item[open] { border-color: var(--blue-300); box-shadow: var(--shadow-sm); }
.faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  padding: 20px 24px;
  cursor: pointer;
  list-style: none;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.02rem;
  letter-spacing: -0.01em;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary .chev {
  flex: none;
  color: var(--blue-600);
  transition: transform .2s ease;
}
.faq-item[open] summary .chev { transform: rotate(180deg); }
.faq-item .faq-body { padding: 0 24px 22px; color: var(--slate); font-size: .98rem; }

/* ---------- CTA band ---------- */
.cta-band {
  background:
    radial-gradient(800px 400px at 85% 0%, rgba(46, 107, 196, .4), transparent 60%),
    linear-gradient(160deg, var(--navy-900), var(--navy-950));
  border-radius: var(--radius-lg);
  padding: 72px 60px;
  color: #fff;
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) auto;
  gap: 40px;
  align-items: center;
  overflow: hidden;
  position: relative;
}
.cta-band h2 { color: #fff; font-size: clamp(1.7rem, 3.4vw, 2.4rem); margin-bottom: 14px; }
.cta-band p { color: rgba(226, 236, 250, .75); max-width: 34em; }
.cta-band .actions { display: flex; flex-direction: column; gap: 14px; align-items: stretch; min-width: 260px; }
.cta-band .phone-line {
  text-align: center;
  font-size: .92rem;
  color: rgba(226, 236, 250, .65);
}
.cta-band .phone-line a { color: #fff; font-weight: 600; }
@media (max-width: 860px) {
  .cta-band { grid-template-columns: 1fr; padding: 52px 32px; }
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-950);
  color: rgba(226, 236, 250, .72);
  padding: 64px 0 36px;
  font-size: .93rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) repeat(2, minmax(0, 1fr));
  gap: 48px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255, 255, 255, .08);
}
.site-footer .brand { color: #fff; margin-bottom: 16px; }
.site-footer h4 {
  color: #fff;
  font-size: .82rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.site-footer ul { list-style: none; padding: 0; display: grid; gap: 11px; }
.site-footer a { color: rgba(226, 236, 250, .72); }
.site-footer a:hover { color: #fff; text-decoration: none; }
.footer-about { max-width: 36em; }
.footer-legal {
  padding-top: 30px;
  display: grid;
  gap: 16px;
}
.footer-legal .disclaimer {
  font-size: .8rem;
  line-height: 1.6;
  color: rgba(226, 236, 250, .45);
  max-width: 72em;
}
.footer-legal .copyright { font-size: .84rem; color: rgba(226, 236, 250, .55); }
@media (max-width: 760px) {
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
}

/* ---------- Page hero (interior pages) ---------- */
.page-hero {
  background:
    radial-gradient(800px 380px at 80% -20%, rgba(46, 107, 196, .3), transparent 60%),
    linear-gradient(180deg, var(--navy-950), var(--navy-900));
  color: #fff;
  padding: 150px 0 64px;
}
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4.4vw, 2.9rem); margin-bottom: 14px; }
.page-hero p { color: rgba(226, 236, 250, .75); max-width: 40em; font-size: 1.1rem; }

/* ---------- Forms ---------- */
.form-shell {
  max-width: 760px;
  margin-inline: auto;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 44px;
}
.field { margin-bottom: 22px; }
.field label {
  display: block;
  font-weight: 600;
  font-size: .92rem;
  margin-bottom: 8px;
}
.field label .req { color: #D64545; }
.field .hint { font-size: .82rem; color: var(--slate-light); margin-top: 6px; }
.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 14px 16px;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  background: #fff;
  font-size: 1rem;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field textarea { resize: vertical; min-height: 130px; }
.field select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%2348586F' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 44px;
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--blue-500);
  box-shadow: 0 0 0 4px rgba(46, 107, 196, .14);
}
.field input.invalid,
.field select.invalid {
  border-color: #D64545;
}
.field .error-msg {
  display: none;
  font-size: .82rem;
  color: #D64545;
  margin-top: 6px;
  font-weight: 500;
}
.field.show-error .error-msg { display: block; }
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
@media (max-width: 620px) {
  .field-row { grid-template-columns: 1fr; }
  .form-shell { padding: 30px 22px; }
}

.checkbox-field {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: .88rem;
  color: var(--slate);
}
.checkbox-field input {
  flex: none;
  width: 19px; height: 19px;
  margin-top: 2px;
  accent-color: var(--blue-600);
}

/* Radio cards */
.radio-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.radio-card { position: relative; }
.radio-card input {
  position: absolute;
  opacity: 0;
  inset: 0;
  cursor: pointer;
}
.radio-card .rc-body {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: 18px;
  border: 1.5px solid var(--line);
  border-radius: 12px;
  cursor: pointer;
  transition: border-color .15s ease, background .15s ease, box-shadow .15s ease;
  height: 100%;
}
.radio-card .rc-title { font-weight: 600; font-size: .96rem; display: flex; align-items: center; gap: 9px; }
.radio-card .rc-title svg { color: var(--blue-600); flex: none; }
.radio-card .rc-sub { font-size: .82rem; color: var(--slate-light); }
.radio-card input:checked + .rc-body {
  border-color: var(--blue-600);
  background: var(--blue-50);
  box-shadow: 0 0 0 4px rgba(46, 107, 196, .12);
}
.radio-card input:focus-visible + .rc-body { outline: 2px solid var(--blue-500); outline-offset: 2px; }
@media (max-width: 620px) {
  .radio-cards { grid-template-columns: 1fr; }
}

/* ---------- Multistep ---------- */
.progress-wrap { margin-bottom: 36px; }
.progress-labels {
  display: flex;
  justify-content: space-between;
  margin-bottom: 12px;
}
.progress-labels span {
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .04em;
  color: var(--slate-light);
}
.progress-labels span.active { color: var(--blue-600); }
.progress-labels span.done { color: var(--ink); }
.progress-track {
  height: 6px;
  border-radius: 999px;
  background: var(--line);
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  width: 25%;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--blue-600), var(--blue-400));
  transition: width .35s ease;
}
@media (max-width: 620px) {
  .progress-labels span { font-size: .68rem; }
}

.form-step {
  display: none;
  /* reset default fieldset chrome */
  border: 0;
  padding: 0;
  margin: 0;
  min-width: 0;
}
.form-step.active { display: block; animation: stepIn .3s ease; }
@keyframes stepIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
.form-step h2 { font-size: 1.45rem; margin-bottom: 6px; }
.form-step .step-sub { color: var(--slate); font-size: .96rem; margin-bottom: 28px; }

.step-nav {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  margin-top: 34px;
  padding-top: 26px;
  border-top: 1px solid var(--line);
}
.step-nav .btn-back {
  background: none;
  border: 1.5px solid var(--line);
  color: var(--slate);
}
.step-nav .btn-back:hover { border-color: var(--slate-light); color: var(--ink); }
.step-nav .spacer { flex: 1; }

/* Review step */
.review-block {
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 20px 22px;
  margin-bottom: 16px;
}
.review-block h3 {
  font-size: .8rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--slate-light);
  margin-bottom: 14px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.review-block h3 button {
  background: none;
  border: 0;
  color: var(--blue-600);
  font-size: .82rem;
  font-weight: 600;
  cursor: pointer;
  letter-spacing: 0;
  text-transform: none;
}
.review-block h3 button:hover { text-decoration: underline; }
.review-block dl {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.4fr);
  gap: 9px 20px;
  margin: 0;
}
.review-block dt { font-size: .88rem; color: var(--slate-light); }
.review-block dd { font-size: .92rem; font-weight: 500; margin: 0; word-break: break-word; }

.secure-note {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  margin-top: 20px;
  font-size: .84rem;
  color: var(--slate-light);
}
.secure-note svg { color: var(--blue-600); flex: none; }

/* Apply page layout */
.apply-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 320px;
  gap: 44px;
  align-items: start;
}
.apply-aside { position: sticky; top: 100px; display: grid; gap: 18px; }
.aside-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}
.aside-card h3 { font-size: .98rem; margin-bottom: 14px; display: flex; align-items: center; gap: 9px; }
.aside-card h3 svg { color: var(--blue-600); flex: none; }
.aside-card ul { list-style: none; padding: 0; display: grid; gap: 11px; }
.aside-card li { display: flex; gap: 10px; font-size: .88rem; color: var(--slate); }
.aside-card li svg { flex: none; margin-top: 3px; color: var(--blue-600); }
.aside-card p { font-size: .88rem; color: var(--slate); }
.aside-card .phone {
  display: block;
  font-family: var(--font-display);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--blue-600);
  margin-top: 8px;
}
@media (max-width: 960px) {
  .apply-layout { grid-template-columns: 1fr; }
  .apply-aside { position: static; }
}

/* ---------- Contact page ---------- */
.contact-layout {
  display: grid;
  grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr);
  gap: 44px;
  align-items: start;
}
.contact-layout .form-shell {
  width: 100%;
  max-width: none;
  margin-inline: 0;
}
.contact-methods { display: grid; gap: 18px; }
.contact-method {
  display: flex;
  gap: 18px;
  align-items: flex-start;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}
.contact-method .icon {
  flex: none;
  width: 46px; height: 46px;
  display: grid;
  place-items: center;
  border-radius: 12px;
  background: var(--blue-50);
  color: var(--blue-600);
}
.contact-method h3 { font-size: 1.02rem; margin-bottom: 4px; }
.contact-method p { font-size: .9rem; color: var(--slate); }
.contact-method a.big {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.15rem;
}
@media (max-width: 900px) {
  .contact-layout { grid-template-columns: 1fr; }
  /* Form first, contact cards after */
  .contact-layout .form-shell { order: -1; }
}

/* ---------- Legal pages ---------- */
.legal-body { max-width: 780px; margin-inline: auto; }
.legal-body .updated {
  font-size: .88rem;
  color: var(--slate-light);
  margin-bottom: 40px;
}
.legal-body h2 {
  font-size: 1.35rem;
  margin: 44px 0 14px;
}
.legal-body h3 { font-size: 1.08rem; margin: 28px 0 10px; }
.legal-body p, .legal-body li { color: var(--slate); font-size: .98rem; }
.legal-body ul { padding-left: 22px; display: grid; gap: 8px; margin: 14px 0; }

/* ---------- Thank you ---------- */
.thanks-wrap {
  max-width: 620px;
  margin-inline: auto;
  text-align: center;
  padding: 40px 0;
}
.thanks-wrap .check {
  width: 84px; height: 84px;
  margin: 0 auto 28px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--blue-50);
  color: var(--blue-600);
}
.thanks-wrap h1 { font-size: 2rem; margin-bottom: 14px; }
.thanks-wrap p { color: var(--slate); font-size: 1.05rem; }
.thanks-wrap .btn { margin-top: 30px; }

/* ---------- Reveal animations ---------- */
.reveal {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity .6s ease, transform .6s ease;
}
.reveal.in-view { opacity: 1; transform: translateY(0); }
.reveal.d1 { transition-delay: .08s; }
.reveal.d2 { transition-delay: .16s; }
.reveal.d3 { transition-delay: .24s; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .form-step.active { animation: none; }
  * { transition-duration: .01ms !important; }
}

/* Kill transitions mid-resize so breakpoint changes don't animate */
body.is-resizing *,
body.is-resizing *::before,
body.is-resizing *::after {
  transition: none !important;
  animation: none !important;
}

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  overflow: hidden;
  clip: rect(0 0 0 0);
  white-space: nowrap;
}