/* ============================================================
   VestAccrue — bay-street red-navy, cool northern white
   Geo-adapted profile: Toronto skyline hero, snow-grid + wave motifs
   ============================================================ */

@font-face {
  font-family: 'Libre Franklin';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url('/assets/fonts/libre-franklin-700.woff2') format('woff2');
}
@font-face {
  font-family: 'Libre Franklin';
  font-style: normal;
  font-weight: 900;
  font-display: swap;
  src: url('/assets/fonts/libre-franklin-900.woff2') format('woff2');
}

:root {
  --bg: #F7F8F9;
  --surface: #FFFFFF;
  --surface-2: #EDF0F3;
  --border: #D9DFE5;
  --text: #17212B;
  --muted: #52616E;
  --accent: #B3282D;
  --accent-hover: #921F24;
  --accent-tint: #F7E3E3;
  --navy: #1F3A5F;
  --navy-deep: #17212B;
  --navy-tint: #E7EDF4;

  --font-display: 'Libre Franklin', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-body: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;

  --radius: 14px;
  --radius-lg: 18px;

  --shadow-sm: 0 1px 2px rgba(23, 33, 43, .07);
  --shadow-md: 0 1px 2px rgba(23, 33, 43, .06), 0 8px 24px rgba(23, 33, 43, .08);
  --shadow-lg: 0 2px 6px rgba(23, 33, 43, .08), 0 18px 44px rgba(23, 33, 43, .13);

  --ease: cubic-bezier(.2, .6, .2, 1);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

img, svg, iframe, video, canvas { max-width: 100%; }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 900;
  line-height: 1.15;
  color: var(--text);
  margin: 0 0 .5em;
  text-wrap: balance;
}
h1 { font-size: clamp(1.9rem, 4vw, 2.9rem); letter-spacing: -.015em; }
h2 { font-size: clamp(1.5rem, 3vw, 2.15rem); letter-spacing: -.01em; }
h3 { font-size: 1.18rem; font-weight: 700; }
p { margin: 0 0 1em; }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--accent); }
strong { font-weight: 700; }
ul, ol { padding-left: 1.3em; margin: 0 0 1em; }
li { margin-bottom: .4em; }

.container {
  width: 100%;
  max-width: 1200px;
  margin-inline: auto;
  padding-inline: clamp(16px, 4vw, 40px);
}

.section { padding-block: clamp(48px, 7vw, 84px); }
.section--tint { background: var(--surface-2); }
.section--white { background: var(--surface); }
.section--navy { background: linear-gradient(160deg, #1F3A5F 0%, #17212B 100%); }
.section--navy h2, .section--navy h3 { color: #F2F5F8; }
.section--navy p { color: #C6D1DC; }

.section-head { max-width: 760px; margin-bottom: clamp(28px, 4vw, 44px); }
.section-head p { color: var(--muted); font-size: 1.05rem; }

.eyebrow {
  display: inline-block;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .78rem;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 10px;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .95rem;
  line-height: 1;
  padding: 15px 26px;
  border-radius: var(--radius);
  border: 1px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  transition: background .18s var(--ease), color .18s var(--ease), box-shadow .18s var(--ease), transform .18s var(--ease);
}
.btn-primary {
  background: var(--accent);
  color: #FFFFFF;
  box-shadow: var(--shadow-sm);
}
.btn-primary:hover, .btn-primary:focus-visible {
  background: var(--accent-hover);
  color: #FFFFFF;
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn-secondary {
  background: transparent;
  color: var(--accent);
  border-color: var(--accent);
}
.btn-secondary:hover, .btn-secondary:focus-visible {
  background: var(--accent-tint);
  color: var(--accent-hover);
}
.btn--navy { background: var(--navy); color: #FFFFFF; }
.btn--navy:hover { background: #16293F; color: #FFFFFF; transform: translateY(-2px); }
.btn .icon { width: 18px; height: 18px; }

/* Skip link */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--navy);
  color: #FFFFFF;
  padding: 10px 18px;
  border-radius: 0 0 var(--radius) 0;
  z-index: 200;
}
.skip-link:focus { left: 0; color: #FFFFFF; }

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

/* ============ Header ============ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247, 248, 249, .92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow .2s var(--ease), background .2s var(--ease);
}
.site-header.is-scrolled { background: #F7F8F9; box-shadow: var(--shadow-md); }
.header-inner {
  display: flex;
  align-items: center;
  gap: 20px;
  min-height: 72px;
}
.logo { display: inline-flex; align-items: center; gap: 10px; flex-shrink: 0; }
.logo svg { display: block; }
.logo-word {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.28rem;
  letter-spacing: -.01em;
  color: var(--navy-deep);
}
.logo-word b { color: var(--accent); font-weight: 900; }

.nav-list {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-group { position: relative; }
.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .92rem;
  color: var(--text);
  padding: 10px 12px;
  border-radius: 10px;
  background: none;
  border: 0;
  cursor: pointer;
}
.nav-link:hover, .nav-link:focus-visible { color: var(--accent); background: var(--accent-tint); }
.nav-link .icon { width: 14px; height: 14px; transition: transform .16s var(--ease); }
.nav-group.is-open .nav-link .icon { transform: rotate(180deg); }

.dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 264px;
  max-width: 340px;
  max-height: 70vh;
  overflow: auto;
  list-style: none;
  margin: 0;
  padding: 8px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(4px);
  transition: opacity .16s var(--ease), transform .16s var(--ease), visibility .16s;
  z-index: 110;
}
.nav-group.is-open .dropdown,
.nav-group:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-group.align-right .dropdown { left: auto; right: 0; }
.dropdown a {
  display: block;
  padding: 9px 12px;
  border-radius: 9px;
  font-size: .92rem;
  color: var(--text);
}
.dropdown a:hover, .dropdown a:focus-visible { background: var(--accent-tint); color: var(--accent-hover); }

.header-cta { margin-left: auto; padding: 12px 20px; }

.nav-toggle {
  display: none;
  margin-left: auto;
  background: none;
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 9px;
  color: var(--text);
  cursor: pointer;
}
.nav-toggle .icon { width: 22px; height: 22px; display: block; }
.nav-toggle .icon-close { display: none; }
.nav-toggle[aria-expanded="true"] .icon-menu { display: none; }
.nav-toggle[aria-expanded="true"] .icon-close { display: block; }

/* Mobile nav */
.mobile-nav {
  display: none;
  border-top: 1px solid var(--border);
  background: var(--surface);
  padding: 10px clamp(16px, 4vw, 40px) 22px;
}
.mobile-nav.is-open { display: block; }
.mobile-nav details { border-bottom: 1px solid var(--border); }
.mobile-nav summary {
  list-style: none;
  cursor: pointer;
  font-family: var(--font-display);
  font-weight: 700;
  padding: 14px 4px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.mobile-nav summary::-webkit-details-marker { display: none; }
.mobile-nav summary::after {
  content: '+';
  font-size: 1.2rem;
  color: var(--accent);
  font-weight: 700;
}
.mobile-nav details[open] summary::after { content: '\2212'; }
.mobile-nav ul { list-style: none; margin: 0 0 12px; padding: 0; }
.mobile-nav ul a {
  display: block;
  padding: 9px 12px;
  border-radius: 9px;
  color: var(--text);
  font-size: .95rem;
}
.mobile-nav ul a:hover { background: var(--accent-tint); }
.mobile-nav .btn { width: 100%; margin-top: 14px; }

/* ============ Hero (home) ============ */
.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(900px 460px at 85% -10%, rgba(31, 58, 95, .10), transparent 62%),
    radial-gradient(700px 380px at -10% 110%, rgba(179, 40, 45, .07), transparent 60%),
    var(--bg);
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(31, 58, 95, .12) 1px, transparent 1.4px);
  background-size: 30px 30px;
  mask-image: linear-gradient(200deg, rgba(0,0,0,.5), transparent 55%);
  -webkit-mask-image: linear-gradient(200deg, rgba(0,0,0,.5), transparent 55%);
  pointer-events: none;
}
.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.04fr) minmax(0, .96fr);
  gap: clamp(28px, 4vw, 56px);
  align-items: center;
  padding-block: clamp(44px, 6vw, 76px);
}
.hero h1 { margin-bottom: .45em; }
.hero-sub { font-size: 1.08rem; color: var(--muted); max-width: 54ch; margin-bottom: 18px; }
.hero-sub strong { color: var(--text); }

.hero-badges { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 18px; margin-bottom: 22px; }
.hero-badges .flag-label {
  font-size: .86rem;
  font-weight: 700;
  color: var(--muted);
  text-transform: uppercase;
  letter-spacing: .08em;
}
.flag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .88rem;
  font-weight: 600;
  color: var(--text);
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 5px 12px 5px 6px;
  box-shadow: var(--shadow-sm);
}
.flag svg { display: block; border-radius: 3px; }

.hero-links { display: flex; flex-wrap: wrap; gap: 12px; margin-bottom: 26px; }
.hero-link {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 10px 16px;
  border-radius: var(--radius);
  background: var(--surface);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  font-weight: 700;
  font-size: .9rem;
  color: var(--text);
  transition: transform .18s var(--ease), box-shadow .18s var(--ease), border-color .18s var(--ease);
}
.hero-link:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: var(--accent);
  color: var(--accent-hover);
}
.hero-link .icon-badge { width: 38px; height: 38px; flex-shrink: 0; }

.icon-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: 13px;
  background: var(--accent-tint);
  color: var(--accent);
  flex-shrink: 0;
}
.icon-badge .icon { width: 24px; height: 24px; }
.icon-badge--navy { background: var(--navy-tint); color: var(--navy); }

/* Hero art (Toronto skyline composition) */
.hero-art { position: relative; }
.hero-art svg { width: 100%; height: auto; display: block; }

/* ============ Forms ============ */
.form-block {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: clamp(20px, 3vw, 30px);
}
.form-block__heading {
  font-size: 1.15rem;
  margin-bottom: 4px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--accent-tint);
}
.form-block__intro { color: var(--muted); font-size: .95rem; margin: 10px 0; }
.form-block__card { margin-top: 12px; }
.form-legal, .form-manager {
  font-size: .82rem;
  color: var(--muted);
  margin: 12px 0 0;
}
.form-manager { display: flex; align-items: center; gap: 8px; font-weight: 600; color: var(--navy); }
.form-manager .icon { width: 15px; height: 15px; color: var(--accent); flex-shrink: 0; }

/* formFactory markup, styled as part of the site */
.beacon-form__form { display: grid; gap: 12px; }
.beacon-form__row { display: grid; gap: 5px; }
.beacon-form__label { font-size: .85rem; font-weight: 700; color: var(--text); }
.beacon-form__input {
  width: 100%;
  font: inherit;
  font-size: .97rem;
  color: var(--text);
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 11px;
  padding: 12px 14px;
  transition: border-color .16s var(--ease), box-shadow .16s var(--ease);
}
.beacon-form__input:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(179, 40, 45, .15);
}
.beacon-form__submit {
  width: 100%;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1rem;
  color: #FFFFFF;
  background: var(--beacon-accent, var(--accent));
  border: 0;
  border-radius: 12px;
  padding: 15px 20px;
  margin-top: 4px;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: background .18s var(--ease), transform .18s var(--ease), box-shadow .18s var(--ease);
}
.beacon-form__submit:hover { background: var(--accent-hover); transform: translateY(-2px); box-shadow: var(--shadow-md); }

/* ============ Exchanges ============ */
.exchanges { background: var(--surface); border-block: 1px solid var(--border); }
.exchanges-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 12px 16px;
  padding-block: 26px;
}
.exchanges-label {
  width: 100%;
  text-align: center;
  font-size: .8rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--muted);
}
.exchange-chip {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .95rem;
  color: var(--navy);
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 9px 18px;
  box-shadow: var(--shadow-sm);
  transition: transform .18s var(--ease), box-shadow .18s var(--ease);
}
.exchange-chip:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.exchange-chip .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--accent); }

/* ============ Calculator (snow-grid band) ============ */
.calc-section {
  position: relative;
  background:
    radial-gradient(620px 300px at 12% 0%, rgba(31, 58, 95, .08), transparent 60%),
    var(--surface-2);
  overflow: hidden;
}
.calc-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(31, 58, 95, .14) 1px, transparent 1.5px);
  background-size: 26px 26px;
  mask-image: radial-gradient(720px 420px at 78% 40%, rgba(0,0,0,.55), transparent 75%);
  -webkit-mask-image: radial-gradient(720px 420px at 78% 40%, rgba(0,0,0,.55), transparent 75%);
  pointer-events: none;
}
.calc-section .container { position: relative; }

/* ============ Steps ============ */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
  gap: 18px;
}
.step-card {
  position: relative;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 24px 22px 20px;
  transition: transform .18s var(--ease), box-shadow .18s var(--ease);
}
.step-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.step-num {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--accent);
  color: #FFFFFF;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .95rem;
  margin-bottom: 12px;
}
.step-card h3 { font-size: 1.05rem; }
.step-card p { color: var(--muted); font-size: .93rem; margin: 0; }

/* ============ Comparison ============ */
.compare-table { width: 100%; border-collapse: separate; border-spacing: 0; }
.compare-table th, .compare-table td {
  padding: 14px 16px;
  text-align: left;
  border-bottom: 1px solid var(--border);
  vertical-align: top;
}
.compare-table thead th {
  background: var(--navy);
  color: #F2F5F8;
  font-family: var(--font-display);
  font-size: .95rem;
}
.compare-table thead th:first-child { border-radius: 12px 0 0 0; }
.compare-table thead th:last-child { border-radius: 0 12px 0 0; }
.compare-table tbody tr:nth-child(even) { background: var(--surface); }
.compare-table tbody tr:nth-child(odd) { background: var(--surface-2); }
.compare-col { text-align: center !important; width: 190px; }
.mark { display: inline-flex; align-items: center; justify-content: center; width: 26px; height: 26px; border-radius: 50%; }
.mark-yes { background: #E4F1E4; color: #2E6B34; }
.mark-no { background: var(--accent-tint); color: var(--accent); }
.mark .icon { width: 15px; height: 15px; stroke-width: 2.4; }
.compare-note { font-size: .85rem; color: var(--muted); margin-top: 12px; }

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

/* ============ Cards / feature grids ============ */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 18px;
}
.feature-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 24px;
  transition: transform .18s var(--ease), box-shadow .18s var(--ease);
}
.feature-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.feature-card .icon-badge { margin-bottom: 14px; }
.feature-card h3 { font-size: 1.05rem; }
.feature-card p { color: var(--muted); font-size: .93rem; margin: 0; }
.feature-card--wide { grid-column: span 2; }

.link-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 14px;
}
.icon-card {
  display: flex;
  align-items: center;
  gap: 12px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  padding: 14px 16px;
  font-weight: 700;
  color: var(--text);
  transition: transform .18s var(--ease), box-shadow .18s var(--ease), border-color .18s var(--ease);
}
.icon-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); border-color: var(--accent); color: var(--accent-hover); }
.icon-card .icon-badge { width: 42px; height: 42px; }
.icon-card .icon-badge .icon { width: 21px; height: 21px; }

/* ============ Reviews (wave band) ============ */
.reviews-section {
  position: relative;
  background: var(--surface);
  overflow: hidden;
}
.reviews-section::before {
  content: '';
  position: absolute;
  left: 0; right: 0; top: 0;
  height: 130px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 130' preserveAspectRatio='none'%3E%3Cpath d='M0 70 C 150 20 300 110 450 70 C 600 30 750 105 900 65 C 1030 30 1120 80 1200 55' fill='none' stroke='%231F3A5F' stroke-opacity='.14' stroke-width='2'/%3E%3Cpath d='M0 95 C 160 50 320 130 470 92 C 620 55 780 122 920 85 C 1040 55 1130 100 1200 80' fill='none' stroke='%23B3282D' stroke-opacity='.10' stroke-width='2'/%3E%3C/svg%3E");
  background-size: 100% 130px;
  background-repeat: no-repeat;
  pointer-events: none;
}
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 18px;
}
.review-card {
  display: flex;
  flex-direction: column;
  gap: 12px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  padding: 22px;
  transition: transform .18s var(--ease), box-shadow .18s var(--ease);
}
.review-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); }
.review-head { display: flex; align-items: center; gap: 13px; }
.review-photo {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  object-fit: cover;
  border: 2px solid var(--surface);
  box-shadow: 0 0 0 2px var(--accent-tint), var(--shadow-sm);
  flex-shrink: 0;
}
.review-name { font-family: var(--font-display); font-weight: 700; font-size: .98rem; margin: 0; }
.review-role { font-size: .82rem; color: var(--muted); margin: 0; }
.review-text { font-size: .93rem; color: var(--text); margin: 0; flex-grow: 1; }
.review-stats {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  border-top: 1px dashed var(--border);
  padding-top: 12px;
}
.stat-chip {
  font-size: .78rem;
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 4px 10px;
  color: var(--muted);
}
.stat-chip b { color: var(--navy); font-family: var(--font-display); }
.reviews-note { font-size: .85rem; color: var(--muted); margin-top: 20px; text-align: center; }

/* ============ Company block ============ */
.company-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr);
  gap: clamp(26px, 4vw, 52px);
  align-items: start;
}
.company-facts { list-style: none; margin: 18px 0 22px; padding: 0; }
.company-facts li {
  display: flex;
  gap: 11px;
  align-items: flex-start;
  padding: 9px 0;
  border-bottom: 1px solid var(--border);
  font-size: .95rem;
  color: var(--muted);
}
.company-facts .icon { width: 18px; height: 18px; color: var(--accent); flex-shrink: 0; margin-top: 3px; }
.company-facts b { color: var(--text); }

/* ============ Tables ============ */
.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  background: var(--surface);
  -webkit-overflow-scrolling: touch;
}
.data-table { width: 100%; border-collapse: collapse; min-width: 560px; }
.data-table th, .data-table td {
  padding: 13px 16px;
  text-align: left;
  border-bottom: 1px solid var(--border);
  font-size: .93rem;
  vertical-align: top;
}
.data-table thead th {
  background: var(--surface-2);
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .85rem;
  letter-spacing: .02em;
  color: var(--navy);
}
.data-table tbody tr:last-child td { border-bottom: 0; }
.data-table tbody tr:hover { background: #FAFBFC; }
.fee-free { color: #2E6B34; font-weight: 700; }

/* ============ FAQ ============ */
.faq-list { display: grid; gap: 10px; max-width: 860px; }
.faq-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
  padding: 16px 18px;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: .99rem;
  color: var(--text);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 1.35rem;
  line-height: 1;
  color: var(--accent);
  flex-shrink: 0;
  transition: transform .16s var(--ease);
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item summary:hover { color: var(--accent-hover); }
.faq-answer { padding: 0 18px 16px; color: var(--muted); font-size: .94rem; }
.faq-answer p:last-child { margin-bottom: 0; }

/* ============ Inner page hero ============ */
.page-hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(760px 380px at 90% -20%, rgba(31, 58, 95, .12), transparent 62%),
    radial-gradient(560px 300px at -10% 120%, rgba(179, 40, 45, .07), transparent 60%),
    var(--bg);
  border-bottom: 1px solid var(--border);
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(31, 58, 95, .11) 1px, transparent 1.4px);
  background-size: 28px 28px;
  mask-image: linear-gradient(160deg, rgba(0,0,0,.45), transparent 55%);
  -webkit-mask-image: linear-gradient(160deg, rgba(0,0,0,.45), transparent 55%);
  pointer-events: none;
}
.page-hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr);
  gap: clamp(26px, 4vw, 52px);
  align-items: center;
  padding-block: clamp(38px, 5.5vw, 66px);
}
.page-hero h1 { margin-bottom: .4em; }
.page-hero .lead { font-size: 1.04rem; color: var(--muted); max-width: 60ch; }
.page-hero .lead p:last-child { margin-bottom: 0; }

/* body copy blocks */
.prose { max-width: 820px; }
.prose h2 { margin-top: 1.6em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.3em; }
.prose p, .prose li { color: var(--text); }
.prose .muted-note { color: var(--muted); font-size: .92rem; }

.info-table { min-width: 480px; }
.info-table td:first-child { font-weight: 700; color: var(--navy); width: 38%; }

.notice {
  display: flex;
  gap: 13px;
  background: var(--accent-tint);
  border: 1px solid #EBCBCC;
  border-radius: var(--radius);
  padding: 16px 18px;
  font-size: .93rem;
  color: var(--text);
  margin: 18px 0;
}
.notice .icon { width: 20px; height: 20px; color: var(--accent); flex-shrink: 0; margin-top: 2px; }
.notice p { margin: 0; }
.notice--navy { background: var(--navy-tint); border-color: #C6D5E4; }
.notice--navy .icon { color: var(--navy); }

.map-embed { width: 100%;
  max-width: 900px;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  background: var(--surface-2);
}
.map-embed iframe {
  display: block;
  width: 100%;
  aspect-ratio: 16 / 9;
  min-height: 320px;
  border: 0;
}

/* breadcrumbs */
.breadcrumbs { padding-block: 14px; font-size: .85rem; color: var(--muted); }
.breadcrumbs a { color: var(--navy); }
.breadcrumbs span[aria-hidden] { margin: 0 6px; color: var(--border); }

/* ============ Footer ============ */
.site-footer {
  background: var(--navy-deep);
  color: #C6D1DC;
  margin-top: 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: minmax(220px, 1.2fr) repeat(4, minmax(150px, 1fr));
  gap: 30px 24px;
  padding-block: 54px 34px;
}
.footer-brand .logo-word { color: #F2F5F8; }
.footer-brand p { font-size: .88rem; margin-top: 14px; }
.footer-col h3 {
  color: #F2F5F8;
  font-size: .82rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col a {
  display: inline-block;
  color: #C6D1DC;
  font-size: .88rem;
  padding: 3.5px 0;
}
.footer-col a:hover { color: #FFFFFF; }
.footer-disclaimer {
  border-top: 1px solid rgba(198, 209, 220, .22);
  padding-block: 22px;
  font-size: .8rem;
  line-height: 1.55;
  color: #9DAEBD;
}
.footer-disclaimer h2 {
  color: #C6D1DC;
  font-size: .95rem;
  margin-bottom: 8px;
}
.footer-bottom {
  border-top: 1px solid rgba(198, 209, 220, .22);
  padding-block: 18px;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 10px;
  font-size: .82rem;
}
.footer-bottom a { color: #C6D1DC; text-decoration: underline; }

/* ============ Special offer ============ */
.urgency-strip {
  background: linear-gradient(90deg, #921F24, #B3282D 55%, #921F24);
  color: #FFFFFF;
  font-size: .86rem;
}
.urgency-strip__inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px 34px;
  padding-block: 9px;
}
.urgency-strip b { font-family: var(--font-display); }

.so-hero {
  background:
    radial-gradient(720px 360px at 88% -10%, rgba(146, 31, 36, .16), transparent 60%),
    var(--bg);
}
.so-countdown {
  display: inline-flex;
  gap: 8px;
  align-items: center;
}
.cd-seg {
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  background: var(--navy-deep);
  border-radius: 10px;
  padding: 10px 13px;
  min-width: 64px;
  box-shadow: var(--shadow-md);
}
.cd-value {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: 1.7rem;
  line-height: 1;
  color: #FFFFFF;
  font-variant-numeric: tabular-nums;
}
.cd-label { font-size: .62rem; letter-spacing: .12em; text-transform: uppercase; color: #C6D1DC; margin-top: 4px; }
.so-countdown-label { font-size: .86rem; font-weight: 700; color: var(--text); margin-right: 6px; }

.so-modal {
  position: fixed;
  inset: 0;
  z-index: 300;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 20px;
}
.so-modal.is-open { display: flex; }
.so-modal__overlay {
  position: absolute;
  inset: 0;
  background: rgba(23, 33, 43, .62);
  backdrop-filter: blur(3px);
}
.so-modal__card {
  position: relative;
  background: var(--surface);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  max-width: 460px;
  width: 100%;
  padding: 30px 28px 26px;
  text-align: center;
}
.so-modal__close {
  position: absolute;
  top: 10px;
  right: 12px;
  background: none;
  border: 0;
  font-size: 1.6rem;
  line-height: 1;
  color: var(--muted);
  cursor: pointer;
  padding: 6px;
}
.so-modal__close:hover { color: var(--accent); }
.so-modal__card h3 { font-size: 1.35rem; margin: 14px 0 8px; }
.so-modal__card .so-countdown { margin: 16px 0; }
.so-modal__card .btn { width: 100%; }

.cta-band {
  background:
    radial-gradient(600px 280px at 15% 0%, rgba(179, 40, 45, .35), transparent 60%),
    linear-gradient(135deg, #1F3A5F, #17212B);
  color: #F2F5F8;
  padding-block: clamp(38px, 5vw, 56px);
}
.cta-band h2 { color: #FFFFFF; }
.cta-band p { color: #C6D1DC; max-width: 60ch; }

/* ============ 404 ============ */
.error-page { text-align: center; padding-block: clamp(60px, 9vw, 120px); }
.error-code {
  font-family: var(--font-display);
  font-weight: 900;
  font-size: clamp(4rem, 12vw, 7rem);
  line-height: 1;
  color: var(--accent-tint);
  -webkit-text-stroke: 2px var(--accent);
  margin-bottom: 8px;
}

/* ============ Motion ============ */
.js .reveal { opacity: 0; transform: translateY(10px); }
.js .reveal.is-visible {
  opacity: 1;
  transform: none;
  transition: opacity .5s var(--ease), transform .5s var(--ease);
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
  .js .reveal { opacity: 1; transform: none; }
}

/* ============ Responsive ============ */
@media (max-width: 1023px) {
  .nav-list { display: none; }
  .header-cta { display: none; }
  .nav-toggle { display: inline-flex; align-items: center; }
}

@media (max-width: 768px) {
  .hero-grid, .page-hero-grid, .company-grid { grid-template-columns: 1fr; }
  .hero-copy { display: flex; flex-direction: column; }
  .hero-copy .hero-sub { order: 1; }
  .hero-copy .form-block { order: 2; }
  .hero-copy .hero-badges { order: 3; }
  .hero-copy .hero-links { order: 4; }
  .hero-art { max-width: 440px; margin-inline: auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .feature-card--wide { grid-column: span 1; }
  .compare-col { width: 86px; }
  .compare-table thead th, .compare-table td { padding: 11px 10px; font-size: .85rem; }
  .compare-table td:first-child { font-size: .82rem; }
}

@media (max-width: 480px) {
  .hero-badges { gap: 8px; }
  .flag { font-size: .78rem; padding: 4px 10px 4px 5px; }
  .footer-grid { grid-template-columns: 1fr; }
  .exchange-chip { font-size: .85rem; padding: 8px 14px; }
  .btn { font-size: .9rem; padding: 13px 18px; }
  .cd-seg { min-width: 56px; padding: 8px 10px; }
  .cd-value { font-size: 1.4rem; }
}