/* =====================================================================
   Jackson Loans — Design System
   Type: Chivo (headings) + Spectral (body)
   Palette: navy #0F3A5F + green #4CA84C, warm neutrals, 60/30/10
   Hand-built. No framework. Deliberately un-templated.
   ===================================================================== */

@import url("../fonts/fonts.css");

/* ---------- Tokens ---------- */
:root {
  /* brand */
  --navy: #0f3a5f;
  --navy-dark: #0a2a45;
  --navy-tint: #e7eef4;
  --action-green: #2e7d46;   /* CTA fills w/ white text — AA */
  --action-green-dark: #256b39;
  --green: #4ca84c;          /* accent only — never text */
  --green-deep: #256b39;     /* green text / success */

  /* neutrals */
  --bg: #ffffff;
  --bg-warm: #f7f6f2;
  --bg-cool: #f1f5f8;
  --text: #14202b;
  --muted: #5a6b78;
  --border: #dfe4e8;
  --error: #b4232a;

  /* type scale (1.25) */
  --fs-100: 1rem;        /* 16 */
  --fs-200: 1.25rem;     /* 20 */
  --fs-300: 1.5625rem;   /* 25 */
  --fs-400: 1.9375rem;   /* 31 */
  --fs-500: 2.4375rem;   /* 39 */
  --fs-600: 3.0625rem;   /* 49 */
  --fs-hero: clamp(2.4375rem, 1.6rem + 3.6vw, 3.8rem);

  --ff-head: "Chivo", system-ui, sans-serif;
  --ff-body: "Spectral", Georgia, serif;

  /* spacing scale */
  --sp-1: 4px;  --sp-2: 8px;  --sp-3: 12px; --sp-4: 16px;
  --sp-5: 24px; --sp-6: 32px; --sp-7: 48px; --sp-8: 64px;
  --sp-9: 96px; --sp-10: 120px;

  --radius: 10px;
  --radius-lg: 18px;
  --shadow: 0 1px 2px rgba(20,32,43,.05), 0 8px 24px -12px rgba(15,58,95,.18);
  --shadow-lg: 0 24px 60px -24px rgba(15,58,95,.30);
  --maxw: 1160px;
  --measure: 65ch;
  --transition: .2s ease;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { animation: none !important; transition: none !important; } }

body {
  margin: 0;
  font-family: var(--ff-body);
  font-size: 1.0625rem;          /* 17px */
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

img, svg { max-width: 100%; display: block; }
a { color: var(--action-green-dark); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy); }

h1, h2, h3, h4 {
  font-family: var(--ff-head);
  color: var(--navy);
  line-height: 1.1;
  letter-spacing: -0.015em;
  margin: 0 0 .5em;
  font-weight: 700;
}
h1 { font-size: var(--fs-hero); }
h2 { font-size: var(--fs-500); }
h3 { font-size: var(--fs-300); }
h4 { font-size: var(--fs-200); font-weight: 600; }
p  { margin: 0 0 1rem; }
p, li { max-width: var(--measure); }
strong { font-weight: 600; }

:focus-visible {
  outline: 3px solid var(--green);
  outline-offset: 2px;
  border-radius: 4px;
}

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: clamp(20px, 5vw, 40px); }
.section { padding-block: clamp(64px, 9vw, 120px); }
.section--warm { background: var(--bg-warm); }
.section--cool { background: var(--bg-cool); }
.section--navy { background: var(--navy); color: #eaf1f7; }
.section--navy h2, .section--navy h3 { color: #fff; }
.section--tight { padding-block: clamp(48px, 6vw, 72px); }

.stack > * + * { margin-top: var(--sp-5); }
.grid { display: grid; gap: clamp(20px, 3vw, 40px); }

/* ---------- Eyebrow + signature underline motif ---------- */
.eyebrow {
  font-family: var(--ff-head);
  font-weight: 600;
  font-size: .8125rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--green-deep);
  margin: 0 0 var(--sp-3);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.eyebrow::before {
  content: "";
  width: 28px; height: 3px;
  background: var(--green);
  border-radius: 2px;
}
.section--navy .eyebrow { color: #7fd07f; }

/* underline accent for headings */
.u-mark { position: relative; display: inline; }
.u-mark::after {
  content: "";
  position: absolute; left: 0; right: 0; bottom: -.08em;
  height: .18em;
  background: var(--green);
  opacity: .55;
  z-index: -1;
  border-radius: 2px;
}

.lede { font-size: var(--fs-200); color: #2c3b47; max-width: 60ch; }
.section--navy .lede { color: #cdddea; }
.muted { color: var(--muted); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--ff-head); font-weight: 600; font-size: 1.0625rem;
  padding: 14px 28px; min-height: 48px;
  border-radius: var(--radius);
  border: 2px solid transparent;
  cursor: pointer; text-decoration: none;
  transition: var(--transition);
  line-height: 1;
}
.btn--primary { background: var(--action-green); color: #fff; }
.btn--primary:hover { background: var(--action-green-dark); color: #fff; transform: translateY(-1px); }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: var(--navy-dark); color: #fff; transform: translateY(-1px); }
.btn--ghost { background: transparent; color: var(--navy); border-color: var(--border); }
.btn--ghost:hover { border-color: var(--navy); color: var(--navy); background: #fff; }
.section--navy .btn--ghost { color: #fff; border-color: rgba(255,255,255,.4); }
.section--navy .btn--ghost:hover { background: rgba(255,255,255,.08); color: #fff; border-color:#fff; }
.btn--lg { padding: 17px 34px; min-height: 56px; font-size: 1.125rem; }
.btn svg { width: 18px; height: 18px; }

.btn-row { display: flex; flex-wrap: wrap; gap: var(--sp-4); align-items: center; }
.link-arrow {
  font-family: var(--ff-head); font-weight: 600; text-decoration: none;
  color: var(--action-green-dark); display: inline-flex; align-items: center; gap: 6px;
}
.link-arrow:hover { gap: 10px; color: var(--navy); }

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(1.1) blur(6px);
  border-bottom: 1px solid var(--border);
}
.nav {
  display: flex; align-items: center; justify-content: space-between;
  gap: var(--sp-5); min-height: 74px;
}
.nav__brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; flex-shrink: 0; }
.nav__brand img { height: 38px; width: auto; }
.nav__brand-text { font-family: var(--ff-head); font-weight: 700; color: var(--navy); font-size: 1.25rem; letter-spacing: -.01em; }
.nav__menu { display: flex; align-items: center; gap: var(--sp-5); }
.nav__links { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.nav__links a {
  font-family: var(--ff-head); font-weight: 500; font-size: 1rem;
  color: var(--text); text-decoration: none; padding: 8px 14px; border-radius: 8px;
  display: inline-block;
}
.nav__links a:hover { background: var(--navy-tint); color: var(--navy); }
.nav__links a[aria-current="page"] { color: var(--navy); }
.nav__links a[aria-current="page"]::after {
  content: ""; display: block; height: 2px; background: var(--green); border-radius: 2px; margin-top: 4px;
}
.nav__cta { flex-shrink: 0; }
.nav__toggle {
  display: none; background: none; border: 0; cursor: pointer; padding: 8px;
  color: var(--navy);
}
.nav__toggle svg { width: 28px; height: 28px; }

/* ---------- Nav dropdowns (Services / Tools subcategories) ---------- */
.nav__item--dropdown { position: relative; }
.nav__dropdown {
  display: none; position: absolute; top: 100%; left: 0; margin-top: 6px;
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 8px; min-width: 240px; z-index: 60;
}
.nav__item--dropdown:hover .nav__dropdown,
.nav__item--dropdown:focus-within .nav__dropdown { display: block; }
.nav__dropdown a {
  display: block; padding: 10px 14px; border-radius: 8px; font-size: .95rem;
  color: var(--navy) !important; text-decoration: none; font-family: var(--ff-head); font-weight: 500;
}
.nav__dropdown a:hover { background: var(--navy-tint); }

@media (max-width: 940px) {
  .nav__toggle { display: inline-flex; }
  .nav__dropdown {
    display: block; position: static; box-shadow: none; border: 0; padding: 0 0 0 20px; margin-top: 0;
  }
  .nav__dropdown a { padding: 8px 14px; font-size: 1rem; }
  .nav__menu {
    position: fixed; inset: 74px 0 auto 0;
    background: #fff; border-bottom: 1px solid var(--border);
    display: none; flex-direction: column; gap: var(--sp-4);
    padding: var(--sp-5) clamp(20px,5vw,40px) var(--sp-6);
    box-shadow: var(--shadow-lg);
  }
  .nav__menu.is-open { display: flex; }
  .nav__links { flex-direction: column; align-items: stretch; gap: 2px; }
  .nav__links a { padding: 12px 14px; font-size: 1.125rem; }
  .nav__cta { display: block; }
  .nav__cta .btn { width: 100%; }
}

/* ---------- Hero ---------- */
.hero { padding-block: clamp(56px, 8vw, 104px); position: relative; }
.hero__grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.hero__phone { color: var(--muted); font-family: var(--ff-head); font-weight: 500; }
.hero__phone a { color: var(--navy); text-decoration: none; }
.hero__trust { display: flex; flex-wrap: wrap; gap: var(--sp-3) var(--sp-6); margin-top: var(--sp-6); padding-top: var(--sp-5); border-top: 1px solid var(--border); }
.hero__trust-item { display: inline-flex; align-items: center; gap: 8px; font-family: var(--ff-head); font-weight: 500; font-size: .95rem; color: var(--navy); }
.hero__trust-item svg { width: 20px; height: 20px; color: var(--green); flex-shrink: 0; }
.hero__media {
  position: relative; border-radius: var(--radius-lg); overflow: hidden;
  aspect-ratio: 4/5; background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%);
  box-shadow: var(--shadow-lg);
}
@media (max-width: 860px) {
  .hero__grid { grid-template-columns: 1fr; }
  .hero__media { aspect-ratio: 5/4; order: -1; }
}

/* ---------- Placeholder media blocks ---------- */
.ph {
  display: grid; place-content: center; text-align: center; gap: 6px;
  color: rgba(255,255,255,.72); font-family: var(--ff-head); font-size: .8rem;
  letter-spacing: .06em; text-transform: uppercase; padding: 24px;
  width: 100%; height: 100%;
}
.ph svg { width: 40px; height: 40px; margin: 0 auto; opacity: .6; }
.ph--light { background: var(--navy-tint); color: var(--navy); border: 1px dashed #b9cbdb; border-radius: var(--radius-lg); }

/* ---------- Value props ---------- */
.props { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(20px,3vw,36px); }
.prop { }
.prop__icon { width: 44px; height: 44px; color: var(--green); margin-bottom: var(--sp-4); }
.prop h3 { font-size: var(--fs-200); }
.prop p { color: #33434f; margin: 0; }
@media (max-width: 780px) { .props { grid-template-columns: 1fr; gap: var(--sp-6); } }

/* ---------- Cards (services) — asymmetric, no left-border cliché ---------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(20px,2.6vw,32px); }
.cards--two { grid-template-columns: 1fr 1fr; }
.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: clamp(24px, 3vw, 34px); display: flex; flex-direction: column; gap: var(--sp-3);
  transition: var(--transition);
}
.card:hover { box-shadow: var(--shadow); transform: translateY(-3px); border-color: #cfd8df; }
.card__num { font-family: var(--ff-head); font-weight: 700; color: var(--green); font-size: 1.25rem; }
.card__icon { width: 40px; height: 40px; color: var(--navy); margin-bottom: var(--sp-2); }
.card h3 { font-size: var(--fs-200); margin: 0; }
.card p { color: #33434f; margin: 0; flex: 1; }
.card .link-arrow { margin-top: var(--sp-3); }
@media (max-width: 860px) { .cards { grid-template-columns: 1fr; } }

/* ---------- Split feature (about block, tool intros) ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px,5vw,72px); align-items: center; }
.split--media-left .split__media { order: -1; }
.split__media { border-radius: var(--radius-lg); overflow: hidden; aspect-ratio: 5/4; box-shadow: var(--shadow); background: linear-gradient(160deg,var(--navy),var(--navy-dark)); }
@media (max-width: 820px) { .split { grid-template-columns: 1fr; } .split--media-left .split__media, .split__media { order: -1; } }

/* ---------- Credential row ---------- */
.creds { display: flex; flex-wrap: wrap; gap: var(--sp-3); margin-top: var(--sp-5); list-style: none; padding: 0; }
.creds li {
  font-family: var(--ff-head); font-weight: 500; font-size: .9rem; color: var(--navy);
  background: var(--navy-tint); padding: 8px 14px; border-radius: 100px; max-width: none;
}

/* ---------- Anchor sub-nav (services) ---------- */
.subnav { position: sticky; top: 74px; z-index: 40; background: var(--bg-warm); border-bottom: 1px solid var(--border); }
.subnav__inner { display: flex; gap: var(--sp-2); overflow-x: auto; padding-block: 12px; scrollbar-width: none; }
.subnav__inner::-webkit-scrollbar { display: none; }
.subnav a { white-space: nowrap; font-family: var(--ff-head); font-weight: 500; text-decoration: none; color: var(--navy); padding: 8px 16px; border-radius: 100px; font-size: .95rem; }
.subnav a:hover { background: #fff; }

.service-block { scroll-margin-top: 140px; }
.service-block + .service-block { margin-top: clamp(56px, 8vw, 96px); }

/* ---------- Steps (how it works) ---------- */
.steps { display: grid; grid-template-columns: repeat(3,1fr); gap: clamp(20px,3vw,36px); counter-reset: step; margin-top: var(--sp-6); }
.step { position: relative; padding-top: var(--sp-5); border-top: 3px solid var(--green); }
.step__n { font-family: var(--ff-head); font-weight: 700; color: var(--navy); font-size: 1.05rem; }
.step h4 { margin: 6px 0; }
.step p { color: #33434f; margin: 0; font-size: 1rem; }
@media (max-width: 760px) { .steps { grid-template-columns: 1fr; } }

/* ---------- Accordion (FAQ / progressive disclosure) ---------- */
.accordion { border-top: 1px solid var(--border); margin-top: var(--sp-5); max-width: 760px; }
.accordion details { border-bottom: 1px solid var(--border); }
.accordion summary {
  cursor: pointer; list-style: none; padding: 20px 44px 20px 0; position: relative;
  font-family: var(--ff-head); font-weight: 600; color: var(--navy); font-size: 1.1rem;
}
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary::after {
  content: ""; position: absolute; right: 6px; top: 24px;
  width: 12px; height: 12px; border-right: 2px solid var(--green-deep); border-bottom: 2px solid var(--green-deep);
  transform: rotate(45deg); transition: transform var(--transition);
}
.accordion details[open] summary::after { transform: rotate(-135deg); top: 28px; }
.accordion p { padding: 0 0 20px; margin: 0; color: #33434f; }

/* ---------- Testimonials ---------- */
.reviews-head { display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between; gap: var(--sp-5); }
.rating { display: inline-flex; align-items: center; gap: 10px; font-family: var(--ff-head); font-weight: 600; color: var(--navy); }
.stars { display: inline-flex; gap: 2px; color: var(--green); }
.stars svg { width: 20px; height: 20px; }
.reviews { display: grid; grid-template-columns: repeat(3,1fr); gap: clamp(20px,2.6vw,32px); margin-top: var(--sp-7); }
.review { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: clamp(24px,3vw,32px); }
.review__quote { font-size: 1.1rem; color: var(--text); }
.review__by { font-family: var(--ff-head); font-weight: 600; color: var(--navy); margin-top: var(--sp-4); font-size: .95rem; }
.review__meta { color: var(--muted); font-size: .85rem; font-family: var(--ff-head); }
@media (max-width: 860px) { .reviews { grid-template-columns: 1fr; } }

/* ---------- CTA band ---------- */
.cta-band { text-align: left; }
.cta-band .container { display: grid; grid-template-columns: 1.3fr .7fr; gap: var(--sp-6); align-items: center; }
.cta-band__actions { display: flex; flex-direction: column; gap: var(--sp-3); align-items: flex-start; }
.cta-band__actions .btn { min-width: 240px; }
@media (max-width: 820px) { .cta-band .container { grid-template-columns: 1fr; } }

/* ---------- Forms ---------- */
.form { max-width: 720px; }
.form__intro { margin-bottom: var(--sp-6); }
.field { margin-bottom: var(--sp-5); }
.field > label, .fieldset > legend {
  display: block; font-family: var(--ff-head); font-weight: 600; color: var(--navy);
  font-size: 1rem; margin-bottom: 8px;
}
.field .hint { color: var(--muted); font-size: .9rem; margin: -2px 0 8px; }
input[type=text], input[type=email], input[type=tel], input[type=number], select, textarea {
  width: 100%; font-family: var(--ff-body); font-size: 1.0625rem; color: var(--text);
  padding: 13px 15px; border: 1px solid var(--border); border-radius: var(--radius);
  background: #fff; transition: var(--transition);
}
textarea { min-height: 120px; resize: vertical; }
input:focus, select:focus, textarea:focus { border-color: var(--navy); outline: 3px solid var(--navy-tint); outline-offset: 0; }
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230f3a5f' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; background-size: 20px; padding-right: 44px; }

.fieldset { border: 0; padding: 0; margin: 0 0 var(--sp-5); }
.choices { display: grid; gap: 10px; }
.choices--row { grid-auto-flow: column; grid-auto-columns: 1fr; }
.choice {
  display: flex; align-items: center; gap: 12px; padding: 13px 16px;
  border: 1px solid var(--border); border-radius: var(--radius); cursor: pointer;
  font-family: var(--ff-body); transition: var(--transition); background:#fff;
}
.choice:hover { border-color: #b9cbdb; }
.choice input { accent-color: var(--action-green); width: 18px; height: 18px; }
.choice:has(input:checked) { border-color: var(--action-green); background: #f2f8f4; box-shadow: inset 0 0 0 1px var(--action-green); }
@media (max-width: 620px) { .choices--row { grid-auto-flow: row; } }

.field--error input, .field--error select, .field--error textarea { border-color: var(--error); }
.error-text { color: var(--error); font-size: .9rem; font-family: var(--ff-head); font-weight: 500; margin-top: 6px; display: none; }
.field--error .error-text { display: block; }

.form__progress { font-family: var(--ff-head); font-weight: 600; color: var(--muted); font-size: .9rem; margin-bottom: var(--sp-4); }

/* result panel (hidden until computed) */
.result { display: none; }
.result.is-visible { display: block; animation: fade .4s ease; }
.result__badge {
  display: inline-flex; align-items: center; gap: 10px; background: #f2f8f4;
  border: 1px solid #bfe0c9; color: var(--green-deep); font-family: var(--ff-head); font-weight: 600;
  padding: 8px 16px; border-radius: 100px; margin-bottom: var(--sp-4);
}
.result__list { list-style: none; padding: 0; margin: var(--sp-4) 0; display: flex; flex-direction: column; gap: 10px; }
.result__list li { display: flex; gap: 12px; align-items: flex-start; max-width: none; }
.result__list svg { width: 22px; height: 22px; color: var(--green); flex-shrink: 0; margin-top: 2px; }
.result__next { background: var(--navy-tint); border-radius: var(--radius-lg); padding: clamp(20px,3vw,28px); margin-top: var(--sp-6); }
.result__next h3 { margin-top: 0; }
@keyframes fade { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

.disclaimer-note { font-size: .875rem; color: var(--muted); margin-top: var(--sp-5); max-width: none; }

/* ---------- TidyCal embed frame ---------- */
.booking-frame { background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: clamp(12px,2vw,20px); box-shadow: var(--shadow); min-height: 640px; }

/* ---------- Contact details ---------- */
.contact-details { list-style: none; padding: 0; margin: 0; display: grid; gap: var(--sp-5); }
.contact-details li { display: flex; gap: 14px; align-items: flex-start; max-width: none; }
.contact-details svg { width: 24px; height: 24px; color: var(--green); flex-shrink: 0; margin-top: 2px; }
.contact-details a { color: var(--navy); text-decoration: none; font-family: var(--ff-head); font-weight: 500; }
.contact-details .label { display: block; font-family: var(--ff-head); font-size: .8rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: 2px; }

/* ---------- Blog ---------- */
.post-list { display: grid; grid-template-columns: repeat(3,1fr); gap: clamp(24px,3vw,36px); }
.post-card { border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; background:#fff; transition: var(--transition); }
.post-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.post-card__media { aspect-ratio: 16/9; background: var(--navy-tint); }
.post-card__body { padding: var(--sp-5); }
.post-card__cat { font-family: var(--ff-head); font-weight: 600; font-size: .78rem; letter-spacing: .06em; text-transform: uppercase; color: var(--green-deep); }
.post-card h3 { font-size: var(--fs-200); margin: 8px 0; }
.post-card a { text-decoration: none; }
.post-card p { color: #33434f; margin: 0; }
@media (max-width: 860px) { .post-list { grid-template-columns: 1fr; } }

.article { max-width: 720px; margin-inline: auto; }
.article h2 { font-size: var(--fs-400); margin-top: 2em; }
.article h3 { font-size: var(--fs-300); margin-top: 1.6em; }
.article p, .article li { font-size: 1.15rem; }
.article blockquote { border-left: 3px solid var(--green); margin: 1.5em 0; padding: 4px 0 4px 24px; color: var(--navy); font-size: 1.25rem; }
.article__meta { color: var(--muted); font-family: var(--ff-head); margin-bottom: var(--sp-6); }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #c9d8e6; padding-block: var(--sp-8) var(--sp-6); font-size: .95rem; }
.site-footer a { color: #dce7f1; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer__grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: clamp(28px,4vw,56px); padding-bottom: var(--sp-7); border-bottom: 1px solid rgba(255,255,255,.14); }
.footer__brand img { height: 40px; margin-bottom: var(--sp-4); }
.footer__brand p { color: #9fb6c9; max-width: 36ch; }
.footer__col h4 { color: #fff; font-size: 1rem; margin-bottom: var(--sp-4); }
.footer__col ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer__compliance { padding-top: var(--sp-6); font-size: .82rem; color: #90a8bd; }
.footer__compliance p { max-width: none; margin-bottom: .8em; }
.footer__compliance strong { color: #c9d8e6; font-weight: 600; }
.footer__legal { display: flex; flex-wrap: wrap; gap: var(--sp-3) var(--sp-5); align-items: center; justify-content: space-between; margin-top: var(--sp-5); padding-top: var(--sp-5); color: #dce7f1; border-top: 1px solid rgba(255,255,255,.14); }
.footer__legal-links { display: flex; flex-wrap: wrap; gap: var(--sp-4); }
@media (max-width: 780px) { .footer__grid { grid-template-columns: 1fr; gap: var(--sp-6); } }

/* ---------- Page hero (interior pages) ---------- */
.page-hero { background: var(--bg-warm); padding-block: clamp(48px,7vw,88px); border-bottom: 1px solid var(--border); }
.page-hero .lede { margin-top: var(--sp-3); }

/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.hidden { display: none !important; }
.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-link { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 10px 18px; border-radius: 8px; z-index: 200; font-family: var(--ff-head); }
.skip-link:focus { left: 8px; }
.narrow { max-width: 760px; }