/* =====================================================================
   KISE SACCO — public website
   Palette: midnight navy · royal blue · harvest gold · warm ivory
   Type:    Plus Jakarta Sans (display) · Instrument Serif italic (accents) · Inter (body)
   ===================================================================== */
:root {
  --navy-950: #040f22; --navy-900: #061530; --navy-800: #0b2a55; --navy-700: #0f356a; --navy-600: #144384;
  --blue-500: #1f5fb8; --blue-400: #4a80cf; --blue-300: #7ba5e0; --blue-100: #d6e4f7; --blue-50: #eef4fc;
  --gold-500: #d99a26; --gold-400: #eab04a; --gold-300: #f5c65a; --gold-100: #fbecc6; --gold-50: #fdf7e8;
  --ivory: #faf7f0; --ivory-2: #f4efe3;
  --ink: #0d1b2e; --ink-2: #33445c; --muted: #5f7089; --line: #e4e9f0; --line-2: #d4dce7;
  --white: #fff;
  --r-sm: 10px; --r: 16px; --r-lg: 24px; --r-xl: 32px;
  --sh-sm: 0 1px 2px rgba(6,21,48,.06), 0 1px 3px rgba(6,21,48,.05);
  --sh: 0 10px 30px -12px rgba(6,21,48,.18), 0 2px 6px rgba(6,21,48,.05);
  --sh-lg: 0 30px 60px -20px rgba(6,21,48,.30), 0 8px 20px -8px rgba(6,21,48,.12);
  --ease: cubic-bezier(.22,.9,.3,1);
  --wrap: 1240px;
  --font-display: 'Plus Jakarta Sans', system-ui, sans-serif;
  --font-serif: 'Instrument Serif', Georgia, serif;
  --font-body: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 96px; }
body.site { margin: 0; font-family: var(--font-body); font-size: 16px; line-height: 1.65; color: var(--ink-2);
  background: var(--white); -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; overflow-x: hidden; }
.site h1, .site h2, .site h3, .site h4, .site h5 { font-family: var(--font-display); color: var(--ink); letter-spacing: -.025em; line-height: 1.15; font-weight: 800; margin: 0 0 .6em; }
.site p { margin: 0 0 1rem; }
.site a { color: var(--blue-500); text-decoration: none; transition: color .2s; }
.site a:hover { color: var(--navy-800); }
.site img { max-width: 100%; }
.prose img, .post-card img { height: auto; }
.site em.serif, .site h1 em, .site h2 em { font-family: var(--font-serif); font-style: italic; font-weight: 400; letter-spacing: -.01em; }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding-inline: clamp(1.1rem, 4vw, 2rem); }
.skip-link { position: absolute; left: -999px; top: 0; background: var(--gold-300); color: var(--navy-900); padding: .6rem 1rem; z-index: 3000; border-radius: 0 0 10px 0; font-weight: 700; }
.skip-link:focus { left: 0; }
.hp-field { position: absolute !important; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
:focus-visible { outline: 3px solid var(--gold-300); outline-offset: 3px; border-radius: 6px; }

/* ------------------------------------------------------------ Buttons */
.btn-site { display: inline-flex; align-items: center; justify-content: center; gap: .55rem; font-family: var(--font-display);
  font-weight: 700; font-size: .92rem; line-height: 1; padding: .85rem 1.3rem; border-radius: 999px; border: 1.5px solid transparent;
  cursor: pointer; transition: transform .2s var(--ease), box-shadow .2s var(--ease), background .2s, color .2s, border-color .2s; white-space: nowrap; }
.btn-site:hover { transform: translateY(-2px); }
.btn-site.btn-lg { padding: 1.05rem 1.7rem; font-size: 1rem; }
.btn-gold { background: linear-gradient(180deg, var(--gold-300), var(--gold-400)); color: var(--navy-900) !important; box-shadow: 0 8px 22px -8px rgba(217,154,38,.7); }
.btn-gold:hover { box-shadow: 0 14px 30px -10px rgba(217,154,38,.8); }
.btn-navy { background: var(--navy-800); color: #fff !important; box-shadow: 0 8px 22px -10px rgba(11,42,85,.7); }
.btn-navy:hover { background: var(--navy-700); }
.btn-ghost { background: transparent; color: var(--ink) !important; border-color: var(--line-2); }
.btn-ghost:hover { border-color: var(--navy-800); }
.btn-outline-light { background: rgba(255,255,255,.04); color: #fff !important; border-color: rgba(255,255,255,.3); }
.btn-outline-light:hover { background: rgba(255,255,255,.12); border-color: rgba(255,255,255,.55); }
.link-arrow { font-family: var(--font-display); font-weight: 700; display: inline-flex; align-items: center; gap: .45rem; }
.link-arrow i { transition: transform .2s var(--ease); }
.link-arrow:hover i { transform: translateX(4px); }

.eyebrow { display: inline-flex; align-items: center; gap: .5rem; font-family: var(--font-display); font-size: .74rem; font-weight: 800;
  letter-spacing: .14em; text-transform: uppercase; color: var(--blue-500); margin-bottom: 1rem; }
.eyebrow::before { content: ''; width: 22px; height: 2px; background: currentColor; border-radius: 2px; }
.eyebrow-gold { color: var(--gold-300); }

/* ------------------------------------------------------------ Top strip & header */
.topstrip { background: var(--navy-950); color: rgba(255,255,255,.72); font-size: .8rem; }
.topstrip-inner { display: flex; justify-content: space-between; gap: 1rem; padding-block: .5rem; }
.topstrip-left, .topstrip-right { display: flex; gap: 1.4rem; align-items: center; min-width: 0; }
.topstrip span, .topstrip a { display: inline-flex; gap: .45rem; align-items: center; color: rgba(255,255,255,.78) !important; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
.topstrip i { color: var(--gold-300); font-size: .75rem; }
.topstrip a:hover { color: #fff !important; }

.site-header { position: sticky; top: 0; z-index: 1000; background: rgba(255,255,255,.86); backdrop-filter: saturate(1.6) blur(16px);
  -webkit-backdrop-filter: saturate(1.6) blur(16px); border-bottom: 1px solid rgba(13,27,46,.07); transition: background .3s, box-shadow .3s, border-color .3s; }
.site-header-inner { display: flex; align-items: center; gap: 1.5rem; height: 76px; }
.site-logo { display: inline-flex; position: relative; flex-shrink: 0; }
.site-logo img { height: 42px; width: auto; }
.site-logo .logo-light { display: none; }
.site-nav { margin-left: auto; }
.site-nav ul { display: flex; list-style: none; margin: 0; padding: 0; gap: .2rem; }
.site-nav a { display: block; padding: .55rem .8rem; border-radius: 999px; font-family: var(--font-display); font-weight: 600;
  font-size: .9rem; color: var(--ink-2) !important; position: relative; }
.site-nav a:hover { color: var(--navy-800) !important; background: var(--blue-50); }
.site-nav a.active { color: var(--navy-800) !important; }
.site-nav a.active::after { content: ''; position: absolute; left: 50%; bottom: 2px; width: 5px; height: 5px; border-radius: 50%; background: var(--gold-400); transform: translateX(-50%); }
.site-actions { display: flex; align-items: center; gap: .6rem; }
.site-actions .btn-site { padding: .7rem 1.1rem; font-size: .86rem; }
.nav-toggle { display: none; width: 46px; height: 46px; border-radius: 14px; border: 1px solid var(--line-2); background: #fff; padding: 0 12px; flex-direction: column; justify-content: center; gap: 5px; cursor: pointer; }
.nav-toggle span { display: block; height: 2px; background: var(--ink); border-radius: 2px; }
.nav-toggle span:nth-child(2) { width: 70%; margin-left: auto; }

/* Transparent header over dark heroes */
.site-hero-dark .site-header:not(.scrolled) { background: transparent; border-color: transparent; backdrop-filter: none; -webkit-backdrop-filter: none; }
.site-hero-dark .site-header:not(.scrolled) .logo-dark { display: none; }
.site-hero-dark .site-header:not(.scrolled) .logo-light { display: block; }
.site-hero-dark .site-header:not(.scrolled) .site-nav a { color: rgba(255,255,255,.82) !important; }
.site-hero-dark .site-header:not(.scrolled) .site-nav a:hover { background: rgba(255,255,255,.08); color: #fff !important; }
.site-hero-dark .site-header:not(.scrolled) .site-nav a.active { color: #fff !important; }
.site-hero-dark .site-header:not(.scrolled) .btn-ghost { color: #fff !important; border-color: rgba(255,255,255,.3); }
.site-hero-dark .site-header:not(.scrolled) .nav-toggle { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.25); }
.site-hero-dark .site-header:not(.scrolled) .nav-toggle span { background: #fff; }
.site-hero-dark .site-header { position: fixed; left: 0; right: 0; top: 34px; }
.site-hero-dark .site-header.scrolled { top: 0; box-shadow: 0 10px 30px -18px rgba(6,21,48,.35); }
.site-header.scrolled { box-shadow: 0 10px 30px -18px rgba(6,21,48,.25); }

.site-menu { background: var(--navy-900); color: #fff; width: min(360px, 88vw) !important; }
.site-menu .offcanvas-header { padding: 1.3rem 1.4rem; border-bottom: 1px solid rgba(255,255,255,.08); }
.site-menu-list { list-style: none; padding: 0; margin: 0 0 1.5rem; }
.site-menu-list a { display: block; padding: .85rem .2rem; font-family: var(--font-display); font-weight: 700; font-size: 1.15rem; color: #fff !important; border-bottom: 1px solid rgba(255,255,255,.07); }
.site-menu-list a:hover { color: var(--gold-300) !important; padding-left: .5rem; }
.site-menu-cta { display: grid; gap: .6rem; margin-bottom: 1.5rem; }
.site-menu-contact { display: grid; gap: .6rem; font-size: .9rem; }
.site-menu-contact a { color: rgba(255,255,255,.75) !important; display: flex; gap: .6rem; align-items: center; }
.site-menu-contact i { color: var(--gold-300); }

@media (max-width: 1139.98px) {
  .site-nav { display: none; }
  .site-actions { margin-left: auto; }
  .nav-toggle { display: inline-flex; }
}
@media (max-width: 575.98px) {
  .site-actions .btn-ghost span { display: none; }
  .site-actions .btn-ghost { padding: .7rem .85rem; }
  .site-logo img { height: 36px; }
}

/* ------------------------------------------------------------ Hero (home) */
.hero { position: relative; overflow: hidden; color: #fff; padding: calc(76px + 34px + clamp(2rem, 4.5vw, 3.5rem)) 0 clamp(4.5rem, 8vw, 6.5rem);
  background:
    radial-gradient(900px 600px at 88% 8%, rgba(245,198,90,.20), transparent 60%),
    radial-gradient(800px 700px at -10% 110%, rgba(74,128,207,.42), transparent 60%),
    linear-gradient(165deg, var(--navy-800) 0%, var(--navy-900) 58%, var(--navy-950) 100%); }
.hero::before { content: ''; position: absolute; inset: 0; pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 56px 56px; mask-image: radial-gradient(ellipse at 65% 35%, #000 10%, transparent 72%); -webkit-mask-image: radial-gradient(ellipse at 65% 35%, #000 10%, transparent 72%); }
.hero-grid { position: relative; display: grid; grid-template-columns: 1.08fr .92fr; gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.hero-badge { display: inline-flex; align-items: center; gap: .6rem; padding: .4rem .9rem .4rem .45rem; border-radius: 999px; font-size: .82rem; font-weight: 600;
  background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.14); color: rgba(255,255,255,.88); margin-bottom: 1.6rem; }
.hero-badge b { background: var(--gold-300); color: var(--navy-900); border-radius: 999px; padding: .18rem .6rem; font-size: .7rem; letter-spacing: .06em; text-transform: uppercase; }
.hero h1 { color: #fff; font-size: clamp(2.5rem, 5.6vw, 4.6rem); line-height: 1.02; letter-spacing: -.045em; margin-bottom: 1.4rem; max-width: 14ch; }
.hero h1 em { color: var(--gold-300); }
.hero-lead { font-size: clamp(1.02rem, 1.4vw, 1.2rem); color: rgba(255,255,255,.74); max-width: 52ch; margin-bottom: 2.2rem; }
.hero-cta { display: flex; gap: .8rem; flex-wrap: wrap; margin-bottom: 2.6rem; }
.hero-trust { display: flex; gap: 1.6rem; flex-wrap: wrap; padding-top: 1.8rem; border-top: 1px solid rgba(255,255,255,.12); }
.hero-trust div { display: flex; gap: .7rem; align-items: center; font-size: .86rem; color: rgba(255,255,255,.72); }
.hero-trust i { width: 36px; height: 36px; border-radius: 11px; display: grid; place-items: center; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1); color: var(--gold-300); }
.hero-trust strong { display: block; color: #fff; font-family: var(--font-display); font-size: .92rem; }

/* Product illustration */
.hero-visual { position: relative; min-height: 520px; }
.mock-phone { position: absolute; right: 8%; top: 0; width: 290px; height: 560px; border-radius: 44px; padding: 12px;
  background: linear-gradient(160deg, #1b2c46, #0a1628); box-shadow: 0 50px 90px -30px rgba(0,0,0,.65), inset 0 0 0 1.5px rgba(255,255,255,.12); }
.mock-screen { width: 100%; height: 100%; border-radius: 34px; overflow: hidden; background: #f5f7fb; position: relative; color: var(--ink); font-size: 12px; }
.mock-notch { position: absolute; top: 9px; left: 50%; width: 90px; height: 24px; background: #0a1628; border-radius: 20px; transform: translateX(-50%); z-index: 2; }
.mock-head { background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: #fff; padding: 46px 18px 58px; }
.mock-head small { color: rgba(255,255,255,.6); font-size: 10px; letter-spacing: .06em; text-transform: uppercase; }
.mock-head .bal { font-family: var(--font-display); font-weight: 800; font-size: 26px; letter-spacing: -.03em; margin-top: 2px; }
.mock-head .bal span { font-size: 13px; opacity: .6; font-weight: 600; margin-right: 3px; }
.mock-head .row1 { display: flex; justify-content: space-between; align-items: center; margin-bottom: 18px; }
.mock-head .row1 img { height: 20px; }
.mock-chip { font-size: 10px; background: rgba(245,198,90,.18); color: var(--gold-300); padding: 3px 8px; border-radius: 99px; font-weight: 700; }
.mock-actions { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin: -38px 14px 0; position: relative; }
.mock-actions div { background: #fff; border-radius: 16px; padding: 10px 4px; text-align: center; box-shadow: var(--sh-sm); font-weight: 600; font-size: 10px; }
.mock-actions i { display: grid; place-items: center; width: 30px; height: 30px; margin: 0 auto 5px; border-radius: 10px; background: var(--blue-50); color: var(--blue-500); font-size: 12px; }
.mock-list { padding: 14px; display: grid; gap: 8px; }
.mock-list h6 { font-family: var(--font-display); font-size: 11px; margin: 4px 2px 2px; color: var(--muted); font-weight: 700; letter-spacing: .02em; }
.mock-item { background: #fff; border-radius: 14px; padding: 10px 12px; display: flex; align-items: center; gap: 10px; box-shadow: var(--sh-sm); }
.mock-item .ic { width: 30px; height: 30px; border-radius: 10px; display: grid; place-items: center; font-size: 12px; flex-shrink: 0; }
.mock-item b { display: block; font-size: 11px; color: var(--ink); }
.mock-item small { color: var(--muted); font-size: 9.5px; }
.mock-item .amt { margin-left: auto; font-family: var(--font-display); font-weight: 800; font-size: 11px; }
.mock-progress { height: 5px; border-radius: 9px; background: #e7edf5; margin-top: 5px; overflow: hidden; }
.mock-progress span { display: block; height: 100%; border-radius: 9px; background: linear-gradient(90deg, var(--blue-400), var(--gold-400)); }
.float-card { position: absolute; background: rgba(255,255,255,.96); color: var(--ink); border-radius: 20px; padding: 14px 16px; box-shadow: var(--sh-lg);
  display: flex; gap: 12px; align-items: center; min-width: 210px; animation: floaty 7s ease-in-out infinite; }
.float-card .ic { width: 42px; height: 42px; border-radius: 13px; display: grid; place-items: center; font-size: 16px; flex-shrink: 0; }
.float-card b { display: block; font-family: var(--font-display); font-size: .92rem; line-height: 1.2; }
.float-card small { color: var(--muted); font-size: .76rem; }
.float-a { left: -2%; top: 56px; }
.float-b { left: 6%; bottom: 60px; animation-delay: -3s; }
.float-c { right: -3%; bottom: 210px; animation-delay: -5s; min-width: 0; }
.mock-note { position: absolute; right: 8%; bottom: -8px; font-size: .72rem; color: rgba(255,255,255,.45); }
@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }
.ic-blue { background: var(--blue-50); color: var(--blue-500); }
.ic-gold { background: var(--gold-50); color: var(--gold-500); }
.ic-green { background: #e8f7ef; color: #14804a; }
.ic-navy { background: var(--navy-800); color: var(--gold-300); }

@media (max-width: 991.98px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { min-height: 500px; max-width: 520px; margin: 1rem auto 0; width: 100%; }
  .mock-phone { right: 50%; transform: translateX(50%); }
  .float-a { left: 0; } .float-c { right: 0; }
}
@media (max-width: 575.98px) {
  .hero-visual { min-height: 470px; }
  .mock-phone { width: 250px; height: 480px; }
  .float-card { min-width: 0; padding: 10px 12px; }
  .float-card .ic { width: 34px; height: 34px; font-size: 13px; }
  .float-b { display: none; }
  .hero-trust { gap: 1rem; }
}

/* ------------------------------------------------------------ Page hero (inner pages) */
.page-hero { position: relative; overflow: hidden; color: #fff; padding: calc(76px + 34px + clamp(2.5rem, 6vw, 4.5rem)) 0 clamp(3rem, 6vw, 4.5rem);
  background: radial-gradient(700px 400px at 90% 0%, rgba(245,198,90,.18), transparent 60%),
              radial-gradient(700px 500px at 0% 120%, rgba(74,128,207,.35), transparent 60%),
              linear-gradient(165deg, var(--navy-800), var(--navy-900)); }
.page-hero::before { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(255,255,255,.035) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.035) 1px, transparent 1px);
  background-size: 56px 56px; mask-image: radial-gradient(ellipse at 70% 20%, #000, transparent 70%); -webkit-mask-image: radial-gradient(ellipse at 70% 20%, #000, transparent 70%); }
.page-hero .wrap { position: relative; }
.page-hero h1 { color: #fff; font-size: clamp(2.1rem, 4.6vw, 3.6rem); letter-spacing: -.04em; max-width: 20ch; margin-bottom: 1rem; }
.page-hero h1 em { color: var(--gold-300); }
.page-hero p.lead { color: rgba(255,255,255,.74); font-size: clamp(1rem, 1.3vw, 1.15rem); max-width: 60ch; margin: 0; }
.crumbs { display: flex; gap: .5rem; font-size: .8rem; color: rgba(255,255,255,.55); margin-bottom: 1.2rem; flex-wrap: wrap; }
.crumbs a { color: rgba(255,255,255,.75) !important; }
.crumbs a:hover { color: #fff !important; }

/* ------------------------------------------------------------ Sections */
.section { padding-block: clamp(4rem, 8vw, 6.5rem); position: relative; }
.section-ivory { background: var(--ivory); }
.section-navy { background: linear-gradient(170deg, var(--navy-800), var(--navy-950)); color: rgba(255,255,255,.75); }
.section-navy h2, .section-navy h3 { color: #fff; }
.section-head { max-width: 720px; margin-bottom: clamp(2.2rem, 5vw, 3.5rem); }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head.center .eyebrow { justify-content: center; }
.section-head h2 { font-size: clamp(1.9rem, 3.8vw, 3rem); letter-spacing: -.035em; }
.section-head h2 em { color: var(--blue-500); }
.section-navy .section-head h2 em { color: var(--gold-300); }
.section-head p { font-size: 1.08rem; color: var(--muted); margin: 0; }
.section-navy .section-head p { color: rgba(255,255,255,.66); }
.split-head { display: flex; justify-content: space-between; align-items: flex-end; gap: 2rem; flex-wrap: wrap; margin-bottom: clamp(2rem, 4vw, 3rem); }
.split-head .section-head { margin-bottom: 0; }

/* Value cards */
.value-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; }
.value-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.8rem 1.6rem; transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s; position: relative; overflow: hidden; }
.value-card:hover { transform: translateY(-6px); box-shadow: var(--sh); border-color: transparent; }
.value-card .ic { width: 54px; height: 54px; border-radius: 16px; display: grid; place-items: center; font-size: 1.25rem; margin-bottom: 1.3rem; }
.value-card h3 { font-size: 1.15rem; margin-bottom: .5rem; }
.value-card p { font-size: .94rem; color: var(--muted); margin: 0; }
.value-card .num { position: absolute; right: 1.2rem; top: 1rem; font-family: var(--font-display); font-weight: 800; font-size: 3rem; color: var(--blue-50); line-height: 1; letter-spacing: -.05em; }
@media (max-width: 991.98px) { .value-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 575.98px) { .value-grid { grid-template-columns: 1fr; } }

/* Product tabs & cards */
.tabs-pill { display: inline-flex; background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 5px; gap: 4px; box-shadow: var(--sh-sm); }
.tabs-pill button { border: 0; background: transparent; padding: .7rem 1.3rem; border-radius: 999px; font-family: var(--font-display); font-weight: 700; font-size: .92rem; color: var(--muted); cursor: pointer; transition: all .2s; }
.tabs-pill button.active { background: var(--navy-800); color: #fff; box-shadow: 0 6px 16px -6px rgba(11,42,85,.6); }
.product-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(270px, 1fr)); gap: 1.2rem; }
.product-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.7rem; display: flex; flex-direction: column; transition: transform .3s var(--ease), box-shadow .3s var(--ease); position: relative; }
.product-card:hover { transform: translateY(-5px); box-shadow: var(--sh); }
.product-card .ic { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; font-size: 1.1rem; margin-bottom: 1.1rem; }
.product-card h3 { font-size: 1.2rem; margin-bottom: .4rem; }
.product-card p { font-size: .92rem; color: var(--muted); flex-grow: 1; }
.product-card .facts { display: grid; grid-template-columns: 1fr 1fr; gap: .6rem; padding-top: 1rem; margin-top: .6rem; border-top: 1px dashed var(--line-2); }
.product-card .facts div { font-size: .76rem; color: var(--muted); }
.product-card .facts strong { display: block; font-family: var(--font-display); font-size: 1rem; color: var(--ink); letter-spacing: -.02em; }
.product-card .tag { position: absolute; top: 1.3rem; right: 1.3rem; font-size: .68rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; padding: .28rem .6rem; border-radius: 999px; background: var(--gold-50); color: var(--gold-500); }
.tab-pane-site[hidden] { display: none !important; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.2rem; counter-reset: step; position: relative; }
.steps::before { content: ''; position: absolute; top: 27px; left: 8%; right: 8%; height: 2px; background: repeating-linear-gradient(90deg, var(--line-2) 0 8px, transparent 8px 16px); }
.step { position: relative; text-align: center; padding: 0 .6rem; }
.step .dot { width: 56px; height: 56px; margin: 0 auto 1.2rem; border-radius: 50%; display: grid; place-items: center; background: #fff; border: 2px solid var(--line-2);
  font-family: var(--font-display); font-weight: 800; font-size: 1.1rem; color: var(--navy-800); position: relative; transition: all .3s; }
.step:hover .dot { background: var(--navy-800); color: var(--gold-300); border-color: var(--navy-800); transform: scale(1.06); }
.step h3 { font-size: 1.05rem; margin-bottom: .4rem; }
.step p { font-size: .9rem; color: var(--muted); margin: 0; }
@media (max-width: 767.98px) { .steps { grid-template-columns: 1fr 1fr; row-gap: 2rem; } .steps::before { display: none; } }
@media (max-width: 419.98px) { .steps { grid-template-columns: 1fr; } }

/* Calculator */
.calc { display: grid; grid-template-columns: 1.05fr .95fr; gap: 0; border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--sh-lg); background: #fff; }
.calc-form { padding: clamp(1.6rem, 4vw, 2.8rem); }
.calc-result { background: radial-gradient(500px 300px at 100% 0%, rgba(245,198,90,.2), transparent 60%), linear-gradient(160deg, var(--navy-800), var(--navy-950));
  color: #fff; padding: clamp(1.6rem, 4vw, 2.8rem); display: flex; flex-direction: column; }
.calc label { font-family: var(--font-display); font-weight: 700; font-size: .88rem; color: var(--ink); display: flex; justify-content: space-between; margin-bottom: .5rem; }
.calc label output { color: var(--blue-500); font-weight: 800; }
.calc .field { margin-bottom: 1.5rem; }
.calc select, .calc .money-in { width: 100%; border: 1.5px solid var(--line-2); border-radius: 14px; padding: .85rem 1rem; font: 600 1rem var(--font-body); color: var(--ink); background: #fff; transition: border-color .2s, box-shadow .2s; }
.calc select:focus, .calc .money-in:focus { outline: 0; border-color: var(--blue-500); box-shadow: 0 0 0 4px rgba(31,95,184,.12); }
.calc input[type=range] { width: 100%; accent-color: var(--navy-800); height: 6px; }
.calc .range-meta { display: flex; justify-content: space-between; font-size: .74rem; color: var(--muted); margin-top: .35rem; }
.calc-result small { text-transform: uppercase; letter-spacing: .1em; font-size: .72rem; color: rgba(255,255,255,.6); font-weight: 700; }
.calc-big { font-family: var(--font-display); font-weight: 800; font-size: clamp(2.3rem, 5vw, 3.4rem); letter-spacing: -.045em; line-height: 1.05; margin: .3rem 0 1.4rem; color: #fff; }
.calc-big span { font-size: .45em; color: var(--gold-300); margin-right: .3rem; letter-spacing: 0; }
.calc-rows { display: grid; gap: .1rem; margin-bottom: 1.5rem; }
.calc-rows div { display: flex; justify-content: space-between; padding: .7rem 0; border-bottom: 1px solid rgba(255,255,255,.1); font-size: .92rem; }
.calc-rows div strong { color: #fff; font-family: var(--font-display); }
.calc-note { font-size: .76rem; color: rgba(255,255,255,.5); margin-top: auto; }
@media (max-width: 991.98px) { .calc { grid-template-columns: 1fr; } }

/* Trust / governance */
.trust-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
.trust-card { border-radius: var(--r-lg); padding: 1.8rem; background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.09); transition: background .3s, transform .3s var(--ease); }
.trust-card:hover { background: rgba(255,255,255,.07); transform: translateY(-4px); }
.trust-card i { font-size: 1.35rem; color: var(--gold-300); margin-bottom: 1rem; display: block; }
.trust-card h3 { font-size: 1.1rem; margin-bottom: .45rem; }
.trust-card p { font-size: .92rem; margin: 0; color: rgba(255,255,255,.66); }
@media (max-width: 991.98px) { .trust-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 575.98px) { .trust-grid { grid-template-columns: 1fr; } }

/* Feature split */
.feature-split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 6vw, 5rem); align-items: center; }
.check-list { list-style: none; padding: 0; margin: 1.5rem 0 2rem; display: grid; gap: .9rem; }
.check-list li { display: flex; gap: .8rem; align-items: flex-start; }
.check-list i { width: 26px; height: 26px; border-radius: 50%; display: grid; place-items: center; background: var(--blue-50); color: var(--blue-500); font-size: .7rem; flex-shrink: 0; margin-top: 2px; }
.check-list strong { color: var(--ink); font-family: var(--font-display); }
.portal-card { position: relative; border-radius: var(--r-xl); padding: clamp(1.5rem, 4vw, 2.5rem); background: linear-gradient(160deg, var(--blue-50), var(--ivory)); border: 1px solid var(--line); }
.portal-card .mini { background: #fff; border-radius: 18px; padding: 1.1rem 1.2rem; box-shadow: var(--sh); display: flex; align-items: center; gap: .9rem; margin-bottom: .9rem; }
.portal-card .mini:nth-child(2) { margin-left: 2rem; }
.portal-card .mini:nth-child(3) { margin-left: 1rem; margin-bottom: 0; }
.portal-card .mini .ic { width: 44px; height: 44px; border-radius: 13px; display: grid; place-items: center; flex-shrink: 0; }
.portal-card .mini b { display: block; color: var(--ink); font-family: var(--font-display); font-size: .95rem; }
.portal-card .mini small { color: var(--muted); font-size: .8rem; }
@media (max-width: 991.98px) { .feature-split { grid-template-columns: 1fr; } }

/* Blog cards */
.post-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; }
.post-card { display: flex; flex-direction: column; background: #fff; border-radius: var(--r-lg); overflow: hidden; border: 1px solid var(--line); transition: transform .3s var(--ease), box-shadow .3s var(--ease); height: 100%; }
.post-card:hover { transform: translateY(-6px); box-shadow: var(--sh); }
.post-card .cover { aspect-ratio: 16/9; overflow: hidden; background: var(--navy-800); }
.post-card .cover img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s var(--ease); }
.post-card:hover .cover img { transform: scale(1.05); }
.post-card .body { padding: 1.4rem 1.4rem 1.6rem; display: flex; flex-direction: column; flex-grow: 1; }
.post-meta { display: flex; gap: .7rem; align-items: center; font-size: .78rem; color: var(--muted); margin-bottom: .7rem; flex-wrap: wrap; }
.post-cat { font-family: var(--font-display); font-weight: 800; font-size: .68rem; letter-spacing: .08em; text-transform: uppercase; color: var(--blue-500) !important; background: var(--blue-50); padding: .28rem .6rem; border-radius: 999px; }
.post-card h3 { font-size: 1.15rem; line-height: 1.3; margin-bottom: .6rem; }
.post-card h3 a { color: var(--ink) !important; }
.post-card h3 a:hover { color: var(--blue-500) !important; }
.post-card p { font-size: .92rem; color: var(--muted); flex-grow: 1; }
.post-feature { display: grid; grid-template-columns: 1.15fr 1fr; border-radius: var(--r-xl); overflow: hidden; background: #fff; border: 1px solid var(--line); box-shadow: var(--sh); margin-bottom: 2.5rem; }
.post-feature .cover { min-height: 340px; background: var(--navy-800); }
.post-feature .cover img { width: 100%; height: 100%; object-fit: cover; }
.post-feature .body { padding: clamp(1.6rem, 4vw, 3rem); display: flex; flex-direction: column; justify-content: center; }
.post-feature h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); }
.post-feature h2 a { color: var(--ink) !important; }
@media (max-width: 991.98px) { .post-grid { grid-template-columns: 1fr 1fr; } .post-feature { grid-template-columns: 1fr; } .post-feature .cover { min-height: 220px; } }
@media (max-width: 575.98px) { .post-grid { grid-template-columns: 1fr; } }
.blog-toolbar { display: flex; gap: 1rem; justify-content: space-between; align-items: center; flex-wrap: wrap; margin-bottom: 2rem; }
.cat-chips { display: flex; gap: .5rem; flex-wrap: wrap; }
.cat-chips a { padding: .5rem 1rem; border-radius: 999px; border: 1px solid var(--line-2); font-family: var(--font-display); font-weight: 700; font-size: .84rem; color: var(--ink-2) !important; background: #fff; }
.cat-chips a:hover { border-color: var(--navy-800); }
.cat-chips a.active { background: var(--navy-800); border-color: var(--navy-800); color: #fff !important; }
.search-box { position: relative; min-width: 260px; }
.search-box input { width: 100%; border: 1.5px solid var(--line-2); border-radius: 999px; padding: .7rem 1rem .7rem 2.6rem; font: 500 .92rem var(--font-body); }
.search-box input:focus { outline: 0; border-color: var(--blue-500); box-shadow: 0 0 0 4px rgba(31,95,184,.12); }
.search-box i { position: absolute; left: 1rem; top: 50%; transform: translateY(-50%); color: var(--muted); }
.pager { display: flex; justify-content: center; gap: .4rem; margin-top: 3rem; }
.pager a, .pager span { min-width: 44px; height: 44px; display: grid; place-items: center; border-radius: 12px; border: 1px solid var(--line-2); font-family: var(--font-display); font-weight: 700; color: var(--ink) !important; padding: 0 .8rem; }
.pager .active { background: var(--navy-800); color: #fff !important; border-color: var(--navy-800); }

/* Article */
.article-hero { padding: 3.5rem 0 0; background: linear-gradient(180deg, var(--ivory), #fff); }
.article-head { max-width: 820px; margin: 0 auto; text-align: center; }
.article-head h1 { font-size: clamp(2rem, 4.4vw, 3.3rem); letter-spacing: -.04em; }
.article-head .post-meta { justify-content: center; font-size: .86rem; }
.article-author { display: inline-flex; gap: .7rem; align-items: center; margin: .6rem 0 2.4rem; text-align: left; }
.article-author .av { width: 42px; height: 42px; border-radius: 50%; background: var(--navy-800); display: grid; place-items: center; overflow: hidden; }
.article-author .av img { width: 70%; }
.article-author b { display: block; color: var(--ink); font-size: .92rem; }
.article-author small { color: var(--muted); font-size: .8rem; }
.article-cover { max-width: 1080px; margin: 0 auto; border-radius: var(--r-xl); overflow: hidden; box-shadow: var(--sh-lg); aspect-ratio: 16/8; background: var(--navy-800); }
.article-cover img { width: 100%; height: 100%; object-fit: cover; }
.article-layout { display: grid; grid-template-columns: 1fr minmax(0, 720px) 1fr; gap: 2rem; padding-block: 3.5rem 2rem; }
.article-share { position: sticky; top: 110px; align-self: start; justify-self: end; display: grid; gap: .5rem; }
.article-share a, .article-share button { width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--line-2); display: grid; place-items: center; color: var(--ink-2) !important; background: #fff; cursor: pointer; transition: all .2s; }
.article-share a:hover, .article-share button:hover { background: var(--navy-800); color: #fff !important; border-color: var(--navy-800); }
.prose { font-size: 1.1rem; line-height: 1.8; color: #2b3b52; }
.prose > *:first-child { margin-top: 0; }
.prose p { margin: 0 0 1.4rem; }
.prose h2 { font-size: 1.7rem; margin: 2.6rem 0 1rem; }
.prose h3 { font-size: 1.3rem; margin: 2rem 0 .8rem; }
.prose ul, .prose ol { margin: 0 0 1.5rem; padding-left: 1.3rem; }
.prose li { margin-bottom: .55rem; }
.prose li::marker { color: var(--blue-500); font-weight: 700; }
.prose strong { color: var(--ink); }
.prose blockquote { margin: 2rem 0; padding: 1.4rem 1.6rem; border-left: 4px solid var(--gold-400); background: var(--gold-50); border-radius: 0 var(--r) var(--r) 0; font-family: var(--font-display); font-size: 1.15rem; color: var(--ink); font-weight: 600; }
.prose blockquote p:last-child { margin: 0; }
.prose table { width: 100%; border-collapse: collapse; margin: 1.5rem 0 2rem; font-size: .95rem; display: block; overflow-x: auto; }
.prose th, .prose td { padding: .8rem 1rem; border-bottom: 1px solid var(--line); text-align: left; white-space: nowrap; }
.prose th { background: var(--ivory); font-family: var(--font-display); color: var(--ink); }
.prose .callout { background: var(--blue-50); border: 1px solid var(--blue-100); border-radius: var(--r); padding: 1.2rem 1.4rem; margin: 1.8rem 0; font-size: 1rem; }
.prose .callout p:last-child { margin: 0; }
.prose img { border-radius: var(--r); }
.article-foot { max-width: 720px; margin: 0 auto; padding-bottom: 3rem; }
.article-cta { border-radius: var(--r-lg); padding: 1.8rem; background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: rgba(255,255,255,.75); display: flex; gap: 1.5rem; align-items: center; justify-content: space-between; flex-wrap: wrap; }
.article-cta h3 { color: #fff; margin: 0 0 .3rem; font-size: 1.25rem; }
.article-cta p { margin: 0; font-size: .94rem; }
.reading-bar { position: fixed; top: 0; left: 0; height: 3px; width: 0; background: linear-gradient(90deg, var(--blue-400), var(--gold-400)); z-index: 1100; }
@media (max-width: 991.98px) { .article-layout { grid-template-columns: 1fr; } .article-share { position: static; grid-auto-flow: column; justify-self: center; order: 2; } }

/* FAQ */
.faq { max-width: 860px; margin: 0 auto; display: grid; gap: .8rem; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: var(--r); transition: box-shadow .2s, border-color .2s; }
.faq details[open] { box-shadow: var(--sh); border-color: transparent; }
.faq summary { list-style: none; cursor: pointer; padding: 1.2rem 1.4rem; font-family: var(--font-display); font-weight: 700; color: var(--ink); display: flex; justify-content: space-between; gap: 1rem; align-items: center; font-size: 1.02rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; background: var(--blue-50); color: var(--blue-500); font-size: 1.2rem; flex-shrink: 0; transition: transform .25s var(--ease); }
.faq details[open] summary::after { transform: rotate(45deg); background: var(--navy-800); color: #fff; }
.faq .answer { padding: 0 1.4rem 1.3rem; color: var(--muted); }
.faq .answer p:last-child { margin: 0; }

/* Stats / facts ribbon */
.facts-ribbon { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-top: -3.2rem; position: relative; z-index: 2; }
.fact { background: #fff; border-radius: var(--r-lg); padding: 1.5rem 1.4rem; box-shadow: var(--sh); border: 1px solid var(--line); }
.fact strong { display: block; font-family: var(--font-display); font-weight: 800; font-size: clamp(1.6rem, 3vw, 2.2rem); letter-spacing: -.04em; color: var(--navy-800); line-height: 1.1; }
.fact span { font-size: .86rem; color: var(--muted); }
@media (max-width: 991.98px) { .facts-ribbon { grid-template-columns: 1fr 1fr; } }

/* Contact */
.contact-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 1.5rem; align-items: start; }
.contact-cards { display: grid; gap: 1rem; }
.contact-card { display: flex; gap: 1rem; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.3rem 1.4rem; transition: box-shadow .2s; }
.contact-card:hover { box-shadow: var(--sh); }
.contact-card .ic { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; flex-shrink: 0; font-size: 1.05rem; }
.contact-card h3 { font-size: 1rem; margin: 0 0 .2rem; }
.contact-card p, .contact-card a { margin: 0; font-size: .95rem; word-break: break-word; }
.form-card { background: #fff; border-radius: var(--r-xl); padding: clamp(1.5rem, 4vw, 2.6rem); box-shadow: var(--sh-lg); border: 1px solid var(--line); }
.form-card h2 { font-size: 1.7rem; }
.f-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.f-grid .full { grid-column: 1 / -1; }
.f-label { display: block; font-family: var(--font-display); font-weight: 700; font-size: .85rem; color: var(--ink); margin-bottom: .4rem; }
.f-input { width: 100%; border: 1.5px solid var(--line-2); border-radius: 12px; padding: .8rem .95rem; font: 500 .98rem var(--font-body); color: var(--ink); background: #fff; transition: border-color .2s, box-shadow .2s; }
.f-input:focus { outline: 0; border-color: var(--blue-500); box-shadow: 0 0 0 4px rgba(31,95,184,.12); }
textarea.f-input { min-height: 140px; resize: vertical; }
.f-err { color: #b42318; font-size: .82rem; margin-top: .3rem; }
.notice { border-radius: var(--r); padding: 1rem 1.2rem; margin-bottom: 1.3rem; display: flex; gap: .8rem; align-items: flex-start; font-size: .95rem; }
.notice-ok { background: #e8f7ef; color: #0f5132; border: 1px solid #b8e5cb; }
.notice-err { background: #fdecea; color: #7a1d14; border: 1px solid #f5c2bd; }
.map-frame { border-radius: var(--r-xl); overflow: hidden; border: 1px solid var(--line); box-shadow: var(--sh); aspect-ratio: 16/7; background: var(--ivory); }
.map-frame iframe { width: 100%; height: 100%; border: 0; display: block; }
@media (max-width: 991.98px) { .contact-grid { grid-template-columns: 1fr; } .map-frame { aspect-ratio: 4/3; } }
@media (max-width: 575.98px) { .f-grid { grid-template-columns: 1fr; } }

/* About */
.story-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2rem, 6vw, 5rem); align-items: center; }
.story-visual { position: relative; border-radius: var(--r-xl); min-height: 440px; overflow: hidden;
  background: radial-gradient(400px 300px at 80% 10%, rgba(245,198,90,.35), transparent 60%), linear-gradient(160deg, var(--navy-800), var(--navy-950)); display: grid; place-items: center; }
.story-visual img { width: 46%; filter: drop-shadow(0 30px 40px rgba(0,0,0,.4)); }
.story-visual .ring { position: absolute; border: 1px solid rgba(255,255,255,.1); border-radius: 50%; }
.story-visual .quote { position: absolute; left: 1.5rem; right: 1.5rem; bottom: 1.5rem; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14); backdrop-filter: blur(8px); border-radius: 18px; padding: 1rem 1.2rem; color: #fff; font-family: var(--font-serif); font-style: italic; font-size: 1.3rem; line-height: 1.35; }
.principles { display: grid; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); gap: 1rem; }
.principle { background: #fff; border-radius: var(--r-lg); padding: 1.5rem; border: 1px solid var(--line); }
.principle span { font-family: var(--font-display); font-weight: 800; color: var(--gold-500); font-size: .85rem; }
.principle h3 { font-size: 1.05rem; margin: .4rem 0; }
.principle p { font-size: .9rem; color: var(--muted); margin: 0; }
.gov-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.2rem; }
@media (max-width: 991.98px) { .story-grid { grid-template-columns: 1fr; } .gov-list { grid-template-columns: 1fr; } }

/* Legal */
.legal { max-width: 820px; margin: 0 auto; }
.legal .updated { font-size: .88rem; color: var(--muted); margin-bottom: 2rem; }

/* CTA band */
.cta-band { background: var(--ivory); padding-block: clamp(3rem, 6vw, 4.5rem); }
.cta-band-inner { display: flex; justify-content: space-between; align-items: center; gap: 2rem; flex-wrap: wrap; border-radius: var(--r-xl);
  padding: clamp(2rem, 5vw, 3.5rem); color: rgba(255,255,255,.72); position: relative; overflow: hidden;
  background: radial-gradient(600px 300px at 100% 0%, rgba(245,198,90,.28), transparent 60%), linear-gradient(150deg, var(--navy-800), var(--navy-950)); box-shadow: var(--sh-lg); }
.cta-band h2 { color: #fff; font-size: clamp(1.7rem, 3.4vw, 2.6rem); margin-bottom: .6rem; max-width: 22ch; }
.cta-band h2 em { color: var(--gold-300); }
.cta-band p { margin: 0; max-width: 52ch; }
.cta-band-actions { display: flex; gap: .8rem; flex-wrap: wrap; }

/* Footer */
.site-footer { background: var(--navy-950); color: rgba(255,255,255,.62); padding-top: clamp(3.5rem, 6vw, 5rem); font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.5fr .8fr .8fr 1.1fr 1.2fr; gap: 2rem; padding-bottom: 2.5rem; }
.footer-logo { height: 44px; margin-bottom: 1.2rem; }
.footer-brand p { max-width: 36ch; }
.site-footer h3 { color: #fff; font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 1.1rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .6rem; }
.site-footer a { color: rgba(255,255,255,.68) !important; }
.site-footer a:hover { color: var(--gold-300) !important; }
.footer-contact li { display: flex; gap: .7rem; align-items: flex-start; }
.footer-contact i { color: var(--gold-300); margin-top: .3rem; width: 16px; }
.footer-contact small { display: block; color: rgba(255,255,255,.45); }
.footer-social { display: flex; gap: .5rem; margin-top: 1.2rem; }
.footer-social a { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.08); }
.footer-social a:hover { background: var(--gold-300); color: var(--navy-900) !important; }
.footer-news p { font-size: .86rem; }
.footer-news-form { display: flex; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 999px; padding: 4px; }
.footer-news-form input { flex: 1; min-width: 0; background: transparent; border: 0; color: #fff; padding: .55rem .9rem; font: 500 .9rem var(--font-body); }
.footer-news-form input::placeholder { color: rgba(255,255,255,.4); }
.footer-news-form input:focus { outline: 0; }
.footer-news-form button { width: 42px; height: 42px; border-radius: 50%; border: 0; background: var(--gold-300); color: var(--navy-900); cursor: pointer; }
.footer-news-msg { font-size: .84rem; color: var(--gold-300); margin-bottom: .6rem; }
.footer-safety { display: flex; gap: 1rem; align-items: flex-start; padding: 1.2rem 1.4rem; border-radius: var(--r); background: rgba(245,198,90,.06); border: 1px solid rgba(245,198,90,.18); margin-bottom: 2rem; }
.footer-safety i { color: var(--gold-300); font-size: 1.2rem; margin-top: .2rem; }
.footer-safety p { margin: 0; font-size: .86rem; }
.footer-safety strong { color: #fff; }
.footer-bottom { display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; padding-block: 1.4rem; border-top: 1px solid rgba(255,255,255,.08); font-size: .82rem; }
.footer-bottom-links { display: flex; gap: 1.2rem; flex-wrap: wrap; }
@media (max-width: 1139.98px) { .footer-grid { grid-template-columns: 1fr 1fr 1fr; } .footer-brand, .footer-news { grid-column: span 3; } }
@media (max-width: 575.98px) { .footer-grid { grid-template-columns: 1fr 1fr; } .footer-brand, .footer-news, .footer-grid > div:nth-child(4) { grid-column: span 2; } }

.wa-float { position: fixed; right: 1.2rem; bottom: 1.2rem; width: 56px; height: 56px; border-radius: 50%; background: #25d366; color: #fff !important; display: grid; place-items: center; font-size: 1.7rem; box-shadow: 0 12px 28px -8px rgba(37,211,102,.6); z-index: 900; }
.to-top { position: fixed; right: 1.2rem; bottom: 1.2rem; width: 46px; height: 46px; border-radius: 50%; border: 0; background: var(--navy-800); color: #fff; box-shadow: var(--sh); z-index: 899; opacity: 0; pointer-events: none; transition: opacity .3s, transform .3s; transform: translateY(10px); cursor: pointer; }
.to-top.show { opacity: 1; pointer-events: auto; transform: none; }
.wa-float ~ .to-top { bottom: 5.2rem; }

/* Reveal on scroll */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .9s var(--ease), transform .9s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal-delay-1 { transition-delay: .08s; } .reveal-delay-2 { transition-delay: .16s; } .reveal-delay-3 { transition-delay: .24s; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .float-card { animation: none; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}
.no-js .reveal { opacity: 1; transform: none; }

.calc-facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: .7rem; margin-top: 1.8rem; }
.calc-facts div { background: var(--ivory); border-radius: 14px; padding: .8rem .9rem; font-size: .76rem; color: var(--muted); }
.calc-facts strong { display: block; font-family: var(--font-display); color: var(--ink); font-size: 1rem; }
@media (max-width: 575.98px) { .calc-facts { grid-template-columns: 1fr 1fr; } }