/* =========================================================
   HighRiskPolicy.ca — v3: In Between
   Cool white canvas · Space Grotesk display · Navy + gold
   Financial confidence without the hacker or the church.
   ========================================================= */

:root {
  /* Canvas */
  --bg:         #F4F6F9;   /* cool off-white — not warm, not dark */
  --bg-2:       #EDF0F5;   /* section alt */
  --card:       #FFFFFF;
  --surface:    #F0F3F8;

  /* Ink */
  --ink:        #0D1520;   /* near-black, very slightly navy-tinted */
  --ink-2:      #3A4558;
  --ink-3:      #6B7A92;
  --ink-4:      #9BA8BB;

  /* Rules */
  --rule:       rgba(15, 39, 72, 0.10);
  --rule-2:     rgba(15, 39, 72, 0.16);

  /* Brand */
  --navy:       #0F2748;
  --navy-dark:  #091A30;
  --navy-mid:   #1A3560;
  --gold:       #8C6F32;
  --gold-2:     #B08D4A;
  --gold-light: #D4AF6A;

  /* Type */
  --disp:  "Helvetica Neue", Helvetica, Arial, ui-sans-serif, system-ui, sans-serif;
  --sans:  "Inter", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Helvetica, Arial, sans-serif;

  --wrap: 1280px;
  --gutter: clamp(20px, 4vw, 56px);
  --radius: 4px;
  --radius-lg: 8px;
}

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

html {
  -webkit-text-size-adjust: 100%;
  text-rendering: optimizeLegibility;
  scroll-behavior: smooth;
  background: var(--bg);
}

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

a {
  color: var(--navy);
  text-decoration: none;
  transition: color 0.18s ease;
}
a:hover { color: var(--gold); }
img, svg { display: block; max-width: 100%; }

.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

.skip {
  position: absolute; left: -9999px; top: 0;
  background: var(--navy); color: #fff;
  padding: 10px 14px; z-index: 100; font-weight: 600;
}
.skip:focus { left: 8px; top: 8px; }

/* =============== Layout =============== */
.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin: 0 auto;
  padding-left: var(--gutter);
  padding-right: var(--gutter);
  position: relative;
}

/* =============== Typography =============== */
.display {
  font-family: var(--disp);
  font-weight: 700;
  letter-spacing: -0.01em;
  line-height: 0.97;
  color: var(--ink);
  margin: 0;
  text-wrap: balance;
}
h1.display { font-size: clamp(44px, 7.2vw, 104px); }
h2.display { font-size: clamp(36px, 5.2vw, 72px); }
h3 {
  font-family: var(--disp);
  font-weight: 700;
  font-size: 22px;
  letter-spacing: -0.005em;
  line-height: 1.2;
  margin: 0 0 10px;
  color: var(--ink);
}

.accent-word {
  color: var(--navy);
  position: relative;
  display: inline-block;
}
.accent-word::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -4px;
  height: 2px;
  background: var(--gold);
  opacity: 0.6;
}

/* Small-caps label — used throughout */
.eyebrow,
.section-tag,
.form-pretitle,
.footer-label,
.case-tag,
.badge,
.hero-badges,
.why-num {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.eyebrow {
  display: inline-flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 4px;
  margin: 0 0 28px;
  color: var(--ink-2);
  padding: 10px 14px;
  border: 1px solid var(--rule-2);
  border-radius: 18px;
  background: rgba(255,255,255,0.88);
  box-shadow: 0 1px 6px -3px rgba(15,39,72,0.12);
  text-transform: none;
  letter-spacing: 0;
  line-height: 1.15;
  max-width: 100%;
  white-space: normal;
}
.eyebrow-main {
  display: block;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.01em;
  color: var(--ink);
}
.eyebrow-sub {
  display: block;
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.01em;
  color: var(--ink-3);
}

.lede {
  font-size: clamp(16px, 1.4vw, 19px);
  line-height: 1.65;
  color: var(--ink-2);
  max-width: 52ch;
  margin: 0 0 36px;
}

/* =============== Credentials ribbon =============== */
.ribbon {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.75);
  position: relative;
  z-index: 2;
}
.ribbon-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 8px 18px;
  padding: 9px 0;
  font-size: 11.5px;
  letter-spacing: 0.03em;
}
.ribbon-item { color: rgba(255,255,255,0.8); }
.ribbon-sep  { color: rgba(255,255,255,0.3); }
.ribbon-dot {
  display: inline-block;
  width: 7px; height: 7px;
  border-radius: 50%;
  background: #7CC899;
  margin-right: 6px;
  vertical-align: middle;
}
@media (max-width: 640px) {
  .ribbon-inner { font-size: 11px; gap: 6px 12px; }
  .ribbon-item:nth-child(n+4) { display: none; }
}

/* =============== Header =============== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(244, 246, 249, 0.92);
  backdrop-filter: saturate(150%) blur(12px);
  -webkit-backdrop-filter: saturate(150%) blur(12px);
  border-bottom: 1px solid var(--rule);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  height: 72px;
}

.wordmark {
  display: inline-flex;
  align-items: center;
  flex: 0 0 auto;
  line-height: 0;
  transition: opacity 0.18s ease;
}
.wordmark:hover { opacity: 0.9; }
.wordmark-logo {
  width: clamp(170px, 24vw, 280px);
  height: auto;
  display: block;
}

@media (max-width: 640px) {
  .wordmark-logo { width: clamp(160px, 42vw, 220px); }
}

.site-nav {
  display: none;
  align-items: center;
  gap: 32px;
}
.site-nav a {
  font-size: 14px;
  font-weight: 500;
  color: var(--ink-2);
  position: relative;
  padding: 4px 0;
  letter-spacing: 0.005em;
}
.site-nav a::after {
  content: "";
  position: absolute;
  left: 0; right: 100%;
  bottom: -2px;
  height: 1.5px;
  background: var(--navy);
  transition: right 0.25s ease;
}
.site-nav a:hover { color: var(--ink); }
.site-nav a:hover::after { right: 0; }
.site-nav a[aria-current="page"] { color: var(--ink); }
.site-nav a[aria-current="page"]::after { right: 0; }

.header-call {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  border: 1.5px solid var(--navy);
  border-radius: var(--radius);
  background: transparent;
  color: var(--navy);
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.01em;
  transition: all 0.2s ease;
}
.header-call:hover {
  background: var(--navy);
  color: #fff;
}

@media (min-width: 960px) { .site-nav { display: inline-flex; } }
@media (max-width: 640px) {
  .header-call span { display: none; }
  .header-call { padding: 10px 12px; }
}

@media (max-width: 640px) {
  .eyebrow {
    margin-bottom: 22px;
    padding: 9px 12px;
    border-radius: 16px;
  }
  .eyebrow-main { font-size: 11px; }
  .eyebrow-sub { font-size: 10px; }
}

/* =============== Hero =============== */
.hero {
  padding: clamp(60px, 9vw, 120px) 0 0;
  overflow: hidden;
  border-bottom: 1px solid var(--rule);
  background: linear-gradient(170deg, var(--bg) 60%, var(--bg-2) 100%);
}

.page-hero {
  padding: clamp(72px, 10vw, 132px) 0;
  border-bottom: 1px solid var(--rule);
  background: linear-gradient(170deg, var(--bg) 35%, var(--bg-2) 100%);
}

.page-hero-inner {
  max-width: 860px;
}

.page-hero h1 {
  margin: 0 0 28px;
  max-width: 12ch;
  font-size: clamp(42px, 6vw, 86px);
}

.page-lede {
  max-width: 60ch;
  margin-bottom: 32px;
}

.page-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.page-actions .btn-primary,
.page-actions .btn-ghost {
  width: auto;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(40px, 5vw, 72px);
  align-items: start;
  padding-bottom: clamp(64px, 8vw, 110px);
}
@media (min-width: 980px) {
  .hero-grid { grid-template-columns: 1.15fr 0.85fr; }
}

.hero-copy h1 {
  margin-bottom: 32px;
  max-width: 14ch;
  font-size: clamp(38px, 6vw, 92px);
}

.hero-proof {
  list-style: none;
  padding: 28px 0 0;
  margin: 32px 0 32px;
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
  border-top: 1px solid var(--rule);
}
@media (min-width: 720px) {
  .hero-proof { grid-template-columns: repeat(3, 1fr); }
}
.hero-proof li {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding-right: 16px;
  position: relative;
}
@media (min-width: 720px) {
  .hero-proof li + li::before {
    content: "";
    position: absolute;
    left: -16px; top: 4px; bottom: 4px;
    width: 1px;
    background: var(--rule);
  }
}
.hero-proof strong {
  font-family: var(--disp);
  font-weight: 600;
  font-size: 26px;
  color: var(--navy);
  letter-spacing: -0.02em;
  line-height: 1;
}
.hero-proof span {
  font-size: 13.5px;
  color: var(--ink-3);
  line-height: 1.5;
}

/* Credential badges */
.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  padding-top: 24px;
  border-top: 1px solid var(--rule);
}
.badge {
  padding: 5px 12px;
  border: 1px solid var(--rule-2);
  border-radius: 999px;
  background: var(--card);
  color: var(--ink-2);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

/* =============== Quote Form =============== */
.hero-form-wrap {
  position: relative;
  background: var(--card);
  border: 1px solid var(--rule-2);
  border-radius: var(--radius-lg);
  padding: clamp(28px, 2.6vw, 40px);
  box-shadow:
    0 1px 0 rgba(255,255,255,0.8) inset,
    0 24px 56px -32px rgba(15, 39, 72, 0.20),
    0 4px 12px -4px rgba(15, 39, 72, 0.08);
}
.hero-form-wrap::before {
  content: "";
  position: absolute;
  top: 0; left: 28px; right: 28px;
  height: 3px;
  background: linear-gradient(90deg, var(--navy) 0%, var(--navy-mid) 100%);
  border-radius: 0 0 3px 3px;
}

.form-head { margin-bottom: 24px; }
.form-pretitle {
  color: var(--gold);
  margin: 0 0 8px;
}
.form-head h2 {
  font-family: var(--disp);
  font-weight: 700;
  font-size: 28px;
  letter-spacing: -0.008em;
  line-height: 1.1;
  margin: 0 0 8px;
  color: var(--ink);
}
.form-sub {
  font-size: 14.5px;
  color: var(--ink-3);
  margin: 0 0 20px;
}

.steps {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 16px 0 0;
  border-top: 1px solid var(--rule);
}
.step {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--ink-4);
  transition: color 0.25s ease;
}
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 22px; height: 22px;
  border-radius: 50%;
  border: 1.5px solid var(--rule-2);
  background: var(--bg);
  font-family: var(--disp);
  font-weight: 600;
  font-size: 11px;
  color: var(--ink-3);
  transition: all 0.25s ease;
  letter-spacing: -0.01em;
}
.step-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.step.is-active .step-num {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}
.step.is-active { color: var(--navy); }
.step.is-done .step-num {
  background: var(--gold);
  color: #fff;
  border-color: var(--gold);
}
.step.is-done { color: var(--ink-2); }
.step-line {
  flex: 1;
  height: 1px;
  background: var(--rule);
}

.form-step {
  border: 0; padding: 0; margin: 0;
  display: none;
  animation: fadeUp 0.35s ease both;
}
.form-step.is-active { display: block; }
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0); }
}

.field { display: block; margin: 0 0 18px; }
.field-label {
  display: block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 8px;
}
.field-label .optional {
  font-style: normal;
  font-weight: 400;
  text-transform: none;
  letter-spacing: 0;
  color: var(--ink-4);
  margin-left: 6px;
  font-size: 12px;
}

.field input,
.field select {
  width: 100%;
  border: 1.5px solid var(--rule-2);
  background: var(--bg);
  padding: 11px 14px;
  font: inherit;
  font-size: 15.5px;
  color: var(--ink);
  border-radius: var(--radius);
  outline: none;
  transition: border-color 0.18s ease, background 0.18s ease, box-shadow 0.18s ease;
}
.field input::placeholder { color: var(--ink-4); }
.field input:focus,
.field select:focus {
  border-color: var(--navy);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(15,39,72,0.09);
}
.field select {
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'><path d='M1 1l5 5 5-5' stroke='%230F2748' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/></svg>");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-color: var(--bg);
  padding-right: 36px;
  cursor: pointer;
}
.field select option { background: #fff; color: var(--ink); }
.field input:invalid.is-touched,
.field select:invalid.is-touched {
  border-color: #C44B3F;
  box-shadow: 0 0 0 3px rgba(196,75,63,0.09);
}

.form-row {
  display: flex;
  gap: 12px;
  align-items: center;
  margin-top: 8px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 22px;
  font: inherit;
  font-size: 14.5px;
  font-weight: 600;
  letter-spacing: 0.01em;
  border-radius: var(--radius);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
  text-decoration: none;
  font-family: var(--sans);
}
.btn-lg { padding: 17px 28px; font-size: 15px; }

.btn-primary {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
  width: 100%;
  box-shadow: 0 4px 12px -6px rgba(15,39,72,0.45);
}
.btn-primary:hover {
  background: var(--navy-dark);
  border-color: var(--navy-dark);
  color: #fff;
  box-shadow: 0 8px 20px -8px rgba(15,39,72,0.5);
}
.btn-arrow { transition: transform 0.2s ease; display: inline-block; }
.btn-primary:hover .btn-arrow { transform: translateX(3px); }

.btn-ghost {
  background: transparent;
  color: var(--navy);
  border-color: var(--rule-2);
}
.btn-ghost:hover {
  background: var(--bg-2);
  border-color: var(--navy);
  color: var(--ink);
}

.form-row .btn-primary { width: auto; flex: 1; }
.form-row .btn-ghost  { flex: 0 0 auto; }

.consent {
  font-size: 12.5px;
  line-height: 1.6;
  color: var(--ink-3);
  margin: 14px 0 0;
}

.consent a {
  color: inherit;
  font-weight: 700;
}

.consent a:hover,
.consent a:focus {
  color: inherit;
}

.form-success { text-align: center; padding: 18px 0 8px; }
.form-success.is-active { display: block; }
.success-mark {
  color: #2E7D52;
  margin: 0 auto 14px;
  width: 48px; height: 48px;
}
.success-title {
  font-family: var(--disp);
  font-size: 30px;
  font-weight: 600;
  letter-spacing: -0.02em;
  margin: 4px 0 10px;
  color: var(--ink);
}
.success-body {
  color: var(--ink-2);
  font-size: 15.5px;
  max-width: 38ch;
  margin: 0 auto;
  line-height: 1.65;
}

.success-body span {
  display: block;
}

.success-body span + span {
  margin-top: 0.35em;
}

.form-foot {
  margin: 14px 0 0;
  padding-top: 14px;
  border-top: 1px solid var(--rule);
  font-size: 12px;
  color: var(--ink-3);
  display: flex;
  align-items: center;
  gap: 8px;
  line-height: 1.5;
  letter-spacing: 0.02em;
}
.form-foot svg { flex-shrink: 0; }

/* =============== Section head =============== */
.section-head {
  max-width: 72ch;
  margin: 0 0 clamp(48px, 6vw, 80px);
}
.section-tag {
  color: var(--gold);
  margin: 0 0 18px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.section-tag::before {
  content: "";
  display: inline-block;
  width: 20px; height: 1.5px;
  background: var(--gold);
}
.section-head h2 { margin-bottom: 20px; max-width: 18ch; }
.section-lede {
  font-size: 16.5px;
  line-height: 1.65;
  color: var(--ink-2);
  max-width: 54ch;
  margin: 0;
}

/* =============== Cases =============== */
.cases {
  padding: clamp(80px, 10vw, 150px) 0;
  background: var(--bg);
}
.cases-grid {
  display: grid;
  grid-template-columns: 1fr;
  border: 1px solid var(--rule-2);
  background: var(--card);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 2px 8px -4px rgba(15,39,72,0.07);
}
@media (min-width: 720px)  { .cases-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1060px) { .cases-grid { grid-template-columns: 1fr 1fr 1fr; } }

@media (min-width: 720px) {
  .cases-grid-two { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 1060px) {
  .cases-grid-two { grid-template-columns: 1fr 1fr; }
}

.case {
  position: relative;
  padding: 34px 30px 38px;
  border-top: 1px solid var(--rule);
  border-left: 1px solid var(--rule);
  background: var(--card);
  transition: background 0.22s ease;
}
.case:nth-child(1),.case:nth-child(2),.case:nth-child(3) { border-top: 0; }
.case:nth-child(-n+1) { border-left: 0; }
@media (min-width: 720px) and (max-width: 1059px) {
  .case:nth-child(2n+1) { border-left: 0; }
  .case:nth-child(1),.case:nth-child(2) { border-top: 0; }
  .case:nth-child(3),.case:nth-child(4),.case:nth-child(5),.case:nth-child(6) { border-top: 1px solid var(--rule); }
}
@media (max-width: 719px) {
  .case { border-left: 0; }
  .case:nth-child(1) { border-top: 0; }
  .case:nth-child(n+2) { border-top: 1px solid var(--rule); }
}
@media (min-width: 1060px) {
  .case:nth-child(3n+1) { border-left: 0; }
}
.case::before {
  content: "";
  position: absolute;
  top: 0; left: 0;
  width: 0; height: 2px;
  background: var(--navy);
  transition: width 0.3s ease;
}
.case:hover { background: var(--bg); }
.case:hover::before { width: 48px; }

.resource-link-card {
  display: block;
  color: inherit;
}

.resource-link-card:hover {
  color: inherit;
}

.case-head { margin-bottom: 14px; }
.case-tag  { color: var(--gold); font-size: 11px; }
.case h3 { font-size: 21px; margin: 0 0 10px; }
.case p  { margin: 0; color: var(--ink-2); font-size: 14.5px; line-height: 1.65; }

.cases-more {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-top: 24px;
  padding: 22px 28px;
  border: 1px solid var(--rule-2);
  border-radius: var(--radius);
  background: var(--card);
  font-size: 15px;
  color: var(--ink-2);
  transition: all 0.2s ease;
  box-shadow: 0 1px 4px -2px rgba(15,39,72,0.06);
}
.cases-more:hover { color: var(--ink); border-color: var(--navy); background: var(--bg-2); }
.cases-more .btn-arrow { color: var(--navy); transition: transform 0.2s ease; }
.cases-more:hover .btn-arrow { transform: translateX(4px); }

/* =============== Process =============== */
.process {
  padding: clamp(80px, 10vw, 150px) 0;
  border-top: 1px solid var(--rule);
  background: var(--bg-2);
}
.process-list {
  list-style: none;
  margin: 0; padding: 0;
  border-top: 1px solid var(--rule-2);
}
.process-step {
  display: grid;
  grid-template-columns: 1fr;
  gap: 20px;
  padding: 40px 0;
  border-bottom: 1px solid var(--rule);
  align-items: start;
}
@media (min-width: 760px) {
  .process-step { grid-template-columns: 180px 1fr; gap: 48px; padding: 52px 0; }
}

.process-index {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.process-index strong {
  font-family: var(--disp);
  font-weight: 700;
  font-size: clamp(52px, 5.5vw, 80px);
  line-height: 0.88;
  letter-spacing: -0.015em;
  color: var(--navy);
  opacity: 0.18;
}

.process-body h3 { font-size: clamp(22px, 2.4vw, 30px); margin: 0 0 12px; letter-spacing: -0.02em; }
.process-body p  { margin: 0; color: var(--ink-2); font-size: 16px; line-height: 1.65; max-width: 62ch; }

/* =============== Trust =============== */
.trust {
  background: var(--navy);
  padding: 34px 0;
}
.trust-inner {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px 16px;
  align-items: center;
}
@media (min-width: 640px) { .trust-inner { grid-template-columns: repeat(5, 1fr); } }
.trust-cell {
  display: flex;
  flex-direction: column;
  gap: 6px;
  position: relative;
}
@media (min-width: 640px) {
  .trust-cell:not(:last-child)::after {
    content: "";
    position: absolute;
    right: -8px; top: 50%;
    transform: translateY(-50%);
    width: 1px; height: 28px;
    background: rgba(255,255,255,0.12);
  }
}
.trust-cell strong {
  font-family: var(--disp);
  font-weight: 700;
  font-size: clamp(28px, 3vw, 40px);
  color: #fff;
  letter-spacing: -0.01em;
  line-height: 1;
}
.trust-cell span {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
}

/* =============== Why =============== */
.why {
  padding: clamp(80px, 10vw, 150px) 0;
  border-top: 1px solid var(--rule);
  background: var(--bg);
}
.why-grid {
  display: grid;
  grid-template-columns: 1fr;
  border: 1px solid var(--rule-2);
  background: var(--card);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 2px 8px -4px rgba(15,39,72,0.07);
}
@media (min-width: 760px) { .why-grid { grid-template-columns: 1fr 1fr; } }
.why-panel {
  padding: 34px 30px;
  border-top: 1px solid var(--rule);
  border-left: 1px solid var(--rule);
  background: var(--card);
  transition: background 0.22s ease;
}
.why-panel:nth-child(1),.why-panel:nth-child(2) { border-top: 0; }
.why-panel:nth-child(-n+1) { border-left: 0; }
@media (max-width: 759px) {
  .why-panel { border-left: 0; }
  .why-panel:nth-child(1) { border-top: 0; }
  .why-panel:nth-child(n+2) { border-top: 1px solid var(--rule); }
}
@media (min-width: 760px) { .why-panel:nth-child(2n+1) { border-left: 0; } }
.why-panel:hover { background: var(--bg); }

.why-num {
  display: inline-block;
  color: var(--gold);
  margin-bottom: 14px;
  font-size: 11px;
}
.why-panel h3 { font-size: 21px; margin: 0 0 10px; }
.why-panel p  { margin: 0; color: var(--ink-2); font-size: 15px; line-height: 1.65; }

/* =============== FAQ =============== */
.faq-section {
  padding: clamp(80px, 10vw, 150px) 0;
  border-top: 1px solid var(--rule);
  background: var(--bg-2);
}
.faq { border-top: 1px solid var(--rule-2); }
.faq details {
  border-bottom: 1px solid var(--rule);
  padding: 24px 0;
}
.faq summary {
  list-style: none;
  cursor: pointer;
  position: relative;
  padding-right: 44px;
  font-family: var(--disp);
  font-weight: 700;
  font-size: 19px;
  color: var(--ink);
  letter-spacing: 0;
  line-height: 1.4;
  transition: color 0.18s ease;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "";
  position: absolute;
  right: 4px; top: 50%;
  width: 15px; height: 15px;
  transform: translateY(-50%);
  background-image:
    linear-gradient(var(--navy), var(--navy)),
    linear-gradient(var(--navy), var(--navy));
  background-size: 15px 1.5px, 1.5px 15px;
  background-position: center, center;
  background-repeat: no-repeat;
  transition: transform 0.3s ease, background-size 0.3s ease;
}
.faq details[open] summary::after {
  transform: translateY(-50%) rotate(180deg);
  background-size: 15px 1.5px, 0 0;
}
.faq summary:hover { color: var(--navy); }
.faq details p {
  margin: 14px 0 0;
  color: var(--ink-2);
  font-size: 15.5px;
  line-height: 1.7;
  max-width: 72ch;
}

/* =============== CTA =============== */
.cta {
  padding: clamp(96px, 12vw, 170px) 0;
  border-top: 1px solid var(--rule);
  background: var(--bg);
}
.cta-inner { text-align: center; }
.cta-tag {
  justify-content: center;
  display: inline-flex;
}
.cta-tag::before,
.cta-tag::after {
  content: "";
  display: inline-block;
  width: 20px; height: 1.5px;
  background: var(--gold);
}
.cta-tag::before { margin-right: 8px; }
.cta-tag::after  { margin-left: 8px; }
.cta-heading {
  max-width: 18ch;
  margin: 18px auto 22px;
  font-size: clamp(40px, 5.8vw, 80px);
}
.cta-body {
  color: var(--ink-2);
  font-size: 18px;
  max-width: 48ch;
  margin: 0 auto 40px;
  line-height: 1.6;
}
.cta-actions {
  display: inline-flex;
  gap: 14px;
  flex-wrap: wrap;
  justify-content: center;
}

/* =============== Footer =============== */
.site-footer {
  background: var(--navy-dark);
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 70px 0 36px;
  color: rgba(255,255,255,0.68);
  font-size: 14px;
  line-height: 1.7;
}
.site-footer a { color: rgba(255,255,255,0.9); border-bottom: 1px solid rgba(255,255,255,0.2); }
.site-footer a:hover { color: var(--gold-light); border-bottom-color: var(--gold-light); }
.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 36px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
@media (min-width: 760px) { .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1fr; } }
.footer-brand {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.footer-logo {
  width: clamp(190px, 24vw, 280px);
  height: auto;
  display: block;
  margin: 0 0 14px;
}
@media (max-width: 640px) {
  .footer-logo { width: clamp(180px, 58vw, 240px); }
}
.footer-mark {
  font-family: var(--disp);
  font-weight: 700;
  font-size: 20px;
  color: #fff;
  margin: 0 0 10px;
  letter-spacing: 0;
}
.footer-tld { color: var(--gold-light); }
.footer-tag { color: rgba(255,255,255,0.55); margin: 0; max-width: 34ch; font-size: 14px; }
.footer-disclosure {
  color: rgba(255,255,255,0.7);
  margin: 14px 0 0;
  max-width: 42ch;
  font-size: 13px;
  line-height: 1.6;
}
.footer-label {
  color: var(--gold-light);
  margin: 0 0 10px;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}
.footer-body { margin: 0; color: rgba(255,255,255,0.75); font-style: normal; }
.footer-muted { color: rgba(255,255,255,0.40); font-size: 13px; }
.footer-baseline {
  display: flex;
  justify-content: flex-start;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  padding-top: 24px;
  color: rgba(255,255,255,0.38);
  font-size: 12px;
  letter-spacing: 0.03em;
}
.footer-links {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 12px 20px;
  margin-left: auto;
}
@media (max-width: 759px) {
  .footer-links {
    margin-left: 0;
    justify-content: flex-start;
  }
}

/* =============== Legal Pages =============== */
.legal-page {
  background:
    radial-gradient(circle at top left, rgba(176, 141, 74, 0.10), transparent 36%),
    linear-gradient(180deg, #F4F6F9 0%, #EEF2F7 100%);
}

.legal-shell {
  min-height: 100vh;
}

.legal-hero {
  padding: clamp(52px, 8vw, 96px) 0 28px;
  border-bottom: 1px solid var(--rule);
}

.legal-hero .display {
  max-width: 12ch;
  margin-bottom: 16px;
}

.legal-hero .lede {
  max-width: 60ch;
  margin-bottom: 0;
}

.legal-meta {
  margin: 0 0 18px;
  color: var(--ink-3);
  font-size: 14px;
  letter-spacing: 0.02em;
}

.legal-inline-links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px 14px;
  margin-top: 28px;
}

.legal-inline-links a {
  display: inline-flex;
  align-items: center;
  padding: 8px 12px;
  border: 1px solid var(--rule-2);
  border-radius: 999px;
  background: rgba(255,255,255,0.72);
  color: var(--ink-2);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.02em;
}

.legal-inline-links a:hover,
.legal-inline-links a:focus {
  color: var(--navy);
  border-color: rgba(15,39,72,0.22);
  background: #fff;
}

.legal-content {
  padding: clamp(36px, 5vw, 72px) 0 clamp(80px, 9vw, 120px);
}

.legal-card {
  background: rgba(255,255,255,0.86);
  border: 1px solid var(--rule-2);
  border-radius: 18px;
  padding: clamp(28px, 4vw, 54px);
  box-shadow:
    0 1px 0 rgba(255,255,255,0.85) inset,
    0 20px 48px -34px rgba(15,39,72,0.30),
    0 4px 12px -6px rgba(15,39,72,0.12);
}

.legal-prose {
  color: var(--ink-2);
}

.legal-prose section + section {
  margin-top: 34px;
  padding-top: 34px;
  border-top: 1px solid var(--rule);
}

.legal-prose h2 {
  margin: 0 0 12px;
  font-family: var(--disp);
  font-size: clamp(26px, 3.3vw, 38px);
  line-height: 1.05;
  letter-spacing: -0.02em;
  color: var(--ink);
}

.legal-prose h3 {
  margin-top: 20px;
  margin-bottom: 10px;
  font-size: 18px;
}

.legal-prose p,
.legal-prose li {
  font-size: 16px;
  line-height: 1.75;
}

.legal-prose p {
  margin: 0 0 14px;
  max-width: 72ch;
}

.legal-prose ul {
  margin: 0 0 18px;
  padding-left: 22px;
}

.legal-prose li + li {
  margin-top: 8px;
}

.legal-prose strong {
  color: var(--ink);
}

.legal-callout {
  margin: 24px 0 0;
  padding: 18px 20px;
  border-left: 3px solid var(--gold);
  background: linear-gradient(90deg, rgba(176, 141, 74, 0.10), rgba(255,255,255,0.78));
  color: var(--ink-2);
}

@media (max-width: 640px) {
  .legal-card {
    border-radius: 12px;
    padding: 24px 20px;
  }

  .legal-inline-links {
    gap: 8px 10px;
  }

  .legal-inline-links a {
    font-size: 12px;
    padding: 7px 11px;
  }
}

/* =============== Resource Articles =============== */
.case-meta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 18px;
  color: var(--navy);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.case-meta::before {
  content: "";
  display: inline-block;
  width: 16px;
  height: 1.5px;
  background: currentColor;
}

.resource-article-page {
  background:
    radial-gradient(circle at top left, rgba(176, 141, 74, 0.10), transparent 34%),
    radial-gradient(circle at top right, rgba(15, 39, 72, 0.06), transparent 30%),
    linear-gradient(180deg, #F4F6F9 0%, #EEF2F7 100%);
}

.resource-hero {
  padding: clamp(52px, 8vw, 96px) 0 32px;
  border-bottom: 1px solid var(--rule);
}

.resource-hero .display {
  max-width: none;
  margin-bottom: 18px;
  font-size: clamp(34px, 4.6vw, 66px);
  line-height: 1.02;
  text-wrap: normal;
}

.resource-hero .lede {
  max-width: 62ch;
  margin-bottom: 0;
}

.resource-meta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin: 24px 0 0;
}

.resource-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 12px;
  border: 1px solid var(--rule-2);
  border-radius: 999px;
  background: rgba(255,255,255,0.78);
  color: var(--ink-2);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.03em;
}

.resource-pill::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
}

.resource-intro-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 26px;
  margin-bottom: 38px;
  padding-bottom: 38px;
  border-bottom: 1px solid var(--rule);
}

@media (min-width: 920px) {
  .resource-intro-grid {
    grid-template-columns: minmax(0, 1.35fr) minmax(280px, 0.85fr);
    align-items: start;
  }
}

.resource-summary {
  margin: 0;
  color: var(--ink-2);
  font-size: 17px;
  line-height: 1.8;
  max-width: 66ch;
}

.resource-aside {
  padding: 22px 24px;
  border: 1px solid var(--rule-2);
  border-radius: 14px;
  background: linear-gradient(180deg, rgba(255,255,255,0.92), rgba(240,243,248,0.92));
  box-shadow: 0 10px 24px -22px rgba(15,39,72,0.28);
}

.resource-aside-label {
  margin: 0 0 14px;
  color: var(--gold);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

.resource-aside-list,
.resource-checklist,
.resource-link-list {
  margin: 0;
  padding-left: 20px;
}

.resource-aside-list li,
.resource-checklist li,
.resource-link-list li {
  color: var(--ink-2);
  font-size: 15px;
  line-height: 1.7;
}

.resource-aside-list li + li,
.resource-checklist li + li,
.resource-link-list li + li {
  margin-top: 10px;
}

.resource-checklist {
  margin-top: 18px;
}

.resource-note {
  margin: 22px 0 0;
}

.resource-related {
  display: grid;
  gap: 12px;
  margin-top: 18px;
}

.resource-related a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 16px 18px;
  border: 1px solid var(--rule-2);
  border-radius: 12px;
  background: rgba(255,255,255,0.74);
  color: var(--ink);
  font-weight: 600;
}

.resource-related a:hover,
.resource-related a:focus {
  border-color: rgba(15,39,72,0.22);
  background: #fff;
  color: var(--navy);
}

.resource-related a span:last-child {
  color: var(--gold);
}

/* =============== Reveal =============== */
.reveal {
  opacity: 0;
  transform: translateY(12px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.is-in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; }
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; }
}