/* SwiftStone Properties — site styles */
:root {
  --navy: #09304e;
  --navy-900: #051d30;
  --navy-700: #0f4168;
  --gold: #bd9d66;
  --gold-600: #a3824a;
  --gold-text: #7f6233;
  --cream: #f7f4ee;
  --sand: #efe8dc;
  --ink: #142233;
  --muted: #55657a;
  --line: #e2dccf;
  --white: #ffffff;
  --ok: #1f7a4d;
  --err: #b42318;
  --radius: 14px;
  --radius-sm: 8px;
  --shadow: 0 10px 30px rgba(9, 48, 78, .10);
  --shadow-lg: 0 24px 60px rgba(9, 48, 78, .18);
  --serif: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --sans: "Montserrat", system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --wrap: 1180px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy); text-underline-offset: 3px; }
a:hover { color: var(--gold-600); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }

h1, h2, h3, h4 { font-family: var(--serif); color: var(--navy); line-height: 1.12; margin: 0 0 .5em; font-weight: 600; letter-spacing: -.005em; }
h1 { font-size: clamp(2.3rem, 5.2vw, 3.9rem); }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.8rem); }
h3 { font-size: clamp(1.35rem, 2.2vw, 1.6rem); }
h4 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
.lead { font-size: 1.12rem; color: var(--muted); max-width: 62ch; }
.eyebrow {
  display: inline-block; font-size: .74rem; font-weight: 600; letter-spacing: .22em;
  text-transform: uppercase; color: var(--gold-text); margin-bottom: .9rem;
}
.on-dark .eyebrow { color: var(--gold); }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 780px; }
.center { text-align: center; }
.center .lead { margin-left: auto; margin-right: auto; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 12px; top: 12px; background: #fff; padding: 8px 14px; z-index: 1000; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  font-family: var(--sans); font-weight: 700; font-size: .98rem; letter-spacing: .01em;
  padding: .95em 1.6em; border-radius: 999px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer; transition: transform .15s ease, background .15s ease, box-shadow .15s ease;
  line-height: 1.2; text-align: center;
}
.btn:hover { transform: translateY(-1px); }
.btn-gold { background: var(--gold); color: var(--navy-900); box-shadow: 0 6px 18px rgba(189,157,102,.35); }
.btn-gold:hover { background: #c9ab77; color: var(--navy-900); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-700); color: #fff; }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: #fff; }
.on-dark .btn-ghost { color: #fff; border-color: rgba(255,255,255,.6); }
.on-dark .btn-ghost:hover { background: #fff; color: var(--navy); }
.btn-block { width: 100%; }
.btn .arrow { transition: transform .15s ease; }
.btn:hover .arrow { transform: translateX(3px); }

/* Header */
.topbar { background: var(--navy-900); color: #d9e2ec; font-size: .8rem; }
.topbar .wrap { display: flex; justify-content: center; gap: 22px; padding-top: 7px; padding-bottom: 7px; flex-wrap: wrap; }
.topbar span::before { content: "✓"; color: var(--gold); margin-right: 6px; font-weight: 700; }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.97); backdrop-filter: saturate(160%) blur(8px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: 78px; }
.brand img { height: 46px; width: auto; }
.nav { display: flex; align-items: center; gap: 4px; }
.nav > a, .nav .dd > button {
  font: inherit; font-size: .92rem; font-weight: 600; color: var(--ink); text-decoration: none;
  padding: 10px 12px; border-radius: 8px; background: none; border: 0; cursor: pointer;
}
.nav > a:hover, .nav .dd > button:hover, .nav > a[aria-current="page"] { color: var(--navy); background: var(--cream); }
.nav .btn { margin-left: 10px; padding: .75em 1.25em; font-size: .9rem; }
.dd { position: relative; }
.dd > button::after { content: ""; display: inline-block; margin-left: 6px; border: 4px solid transparent; border-top-color: currentColor; transform: translateY(2px); }
.dd-menu {
  position: absolute; top: calc(100% + 6px); left: 0; min-width: 270px; background: #fff; border: 1px solid var(--line);
  border-radius: 12px; box-shadow: var(--shadow-lg); padding: 8px; display: none;
}
.dd:hover .dd-menu, .dd:focus-within .dd-menu, .dd.open .dd-menu { display: block; }
.dd-menu a { display: block; padding: 9px 12px; border-radius: 8px; text-decoration: none; color: var(--ink); font-size: .92rem; font-weight: 500; }
.dd-menu a:hover { background: var(--cream); color: var(--navy); }
.nav-toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; }
.nav-toggle span { display: block; width: 26px; height: 2px; background: var(--navy); margin: 6px 0; transition: .2s; }

@media (max-width: 1020px) {
  .nav-toggle { display: block; }
  .nav {
    position: fixed; inset: 78px 0 0 0; background: #fff; flex-direction: column; align-items: stretch;
    padding: 16px 20px 120px; gap: 2px; overflow-y: auto; transform: translateX(100%); transition: transform .25s ease;
  }
  .nav.open { transform: none; }
  .nav > a, .nav .dd > button { padding: 14px 12px; font-size: 1.02rem; text-align: left; width: 100%; }
  .dd-menu { position: static; display: block; box-shadow: none; border: 0; padding: 0 0 8px 12px; }
  .dd > button::after { display: none; }
  .nav .btn { margin: 14px 0 0; }
  .brand img { height: 40px; }
  body.nav-open { overflow: hidden; }
}

/* Sections */
.section { padding: 88px 0; }
.section-sm { padding: 56px 0; }
.bg-cream { background: var(--cream); }
.bg-sand { background: var(--sand); }
.bg-navy { background: var(--navy); color: #dce6ef; }
.bg-navy h1, .bg-navy h2, .bg-navy h3, .bg-navy h4 { color: #fff; }
.bg-navy .lead { color: #c5d3e0; }
.bg-navy a:not(.btn) { color: #fff; }
.section-head { margin-bottom: 48px; }
.gold-rule { width: 64px; height: 3px; background: var(--gold); border: 0; margin: 0 0 22px; }
.center .gold-rule { margin-left: auto; margin-right: auto; }

/* Hero */
.hero { position: relative; background: linear-gradient(160deg, var(--navy-900) 0%, var(--navy) 55%, var(--navy-700) 100%); color: #dce6ef; overflow: hidden; }
.hero::before {
  content: ""; position: absolute; inset: 0; opacity: .07; pointer-events: none;
  background-image: repeating-linear-gradient(135deg, #fff 0 2px, transparent 2px 46px);
}
.hero .wrap { position: relative; display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; padding-top: 72px; padding-bottom: 80px; }
.hero h1 { color: #fff; }
.hero h1 em { font-style: italic; color: var(--gold); }
.hero .lead { color: #c9d6e2; font-size: 1.15rem; }
.hero-points { list-style: none; padding: 0; margin: 26px 0 0; display: grid; grid-template-columns: 1fr 1fr; gap: 12px 20px; }
.hero-points li { display: flex; gap: 10px; align-items: flex-start; font-weight: 500; color: #fff; font-size: .96rem; }
.tick { flex: 0 0 22px; width: 22px; height: 22px; border-radius: 50%; background: var(--gold); color: var(--navy-900); display: inline-grid; place-items: center; font-size: .75rem; font-weight: 800; margin-top: 2px; }
.page-hero .wrap { grid-template-columns: 1fr; padding-top: 64px; padding-bottom: 64px; }
.page-hero.has-form .wrap { grid-template-columns: 1.1fr .9fr; }
.crumbs { font-size: .82rem; margin-bottom: 18px; color: #9fb3c6; }
.crumbs a { color: #c9d6e2; text-decoration: none; }
.crumbs a:hover { color: var(--gold); }
@media (max-width: 960px) {
  .hero .wrap, .page-hero.has-form .wrap { grid-template-columns: 1fr; gap: 36px; padding-top: 44px; padding-bottom: 56px; }
  .hero-points { grid-template-columns: 1fr; }
}

/* Cards / grids */
.grid { display: grid; gap: 24px; }
.g2 { grid-template-columns: repeat(2, 1fr); }
.g3 { grid-template-columns: repeat(3, 1fr); }
.g4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 960px) { .g3, .g4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .g2, .g3, .g4 { grid-template-columns: 1fr; } }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; box-shadow: 0 1px 0 rgba(0,0,0,.02); }
.card h3 { margin-bottom: .4em; }
.card p:last-child { margin-bottom: 0; }
.card-link { text-decoration: none; color: inherit; display: block; transition: transform .15s, box-shadow .15s, border-color .15s; }
.card-link:hover { transform: translateY(-3px); box-shadow: var(--shadow); border-color: var(--gold); color: inherit; }
.card-link .more { display: inline-block; margin-top: 12px; font-weight: 700; color: var(--navy); font-size: .9rem; }
.icon-badge { width: 52px; height: 52px; border-radius: 12px; background: var(--cream); color: var(--navy); display: grid; place-items: center; margin-bottom: 18px; }
.icon-badge svg { width: 26px; height: 26px; }
.bg-cream .icon-badge { background: #fff; }

/* Stat strip */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; border-top: 1px solid rgba(255,255,255,.12); }
.stat { padding: 30px 22px; border-right: 1px solid rgba(255,255,255,.12); }
.stat:last-child { border-right: 0; }
.stat b { display: block; font-family: var(--serif); font-size: clamp(2.3rem, 4vw, 3.2rem); color: var(--gold); line-height: 1; margin-bottom: 10px; font-weight: 600; }
.stat span { font-size: .92rem; color: #c9d6e2; }
@media (max-width: 860px) { .stats { grid-template-columns: 1fr 1fr; } .stat:nth-child(2) { border-right: 0; } .stat { border-bottom: 1px solid rgba(255,255,255,.12); } }

/* Steps */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.step { position: relative; padding: 28px 24px 26px; background: #fff; border-radius: var(--radius); border: 1px solid var(--line); }
.step::before {
  counter-increment: step; content: counter(step);
  display: grid; place-items: center; width: 44px; height: 44px; border-radius: 50%;
  background: var(--navy); color: var(--gold); font-family: var(--serif); font-size: 1.4rem; font-weight: 700; margin-bottom: 16px;
}
.step h3 { font-size: 1.3rem; }
.step p { font-size: .95rem; color: var(--muted); margin: 0; }
@media (max-width: 960px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.steps-long .step { display: grid; grid-template-columns: 60px 1fr; gap: 0 20px; }
.steps-long .step::before { grid-row: span 3; }
.steps-long { grid-template-columns: 1fr; }
.steps-long .step p { margin-bottom: .8em; font-size: 1rem; }

/* Two-column feature */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split.top { align-items: start; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 36px; } }
.checklist { list-style: none; padding: 0; margin: 0 0 1.2em; }
.checklist li { position: relative; padding-left: 34px; margin-bottom: 14px; }
.checklist li::before { content: "✓"; position: absolute; left: 0; top: 2px; width: 22px; height: 22px; border-radius: 50%; background: var(--navy); color: var(--gold); font-size: .72rem; font-weight: 800; display: grid; place-items: center; }
.bg-navy .checklist li::before { background: var(--gold); color: var(--navy-900); }
.crosslist { list-style: none; padding: 0; margin: 0; }
.crosslist li { position: relative; padding-left: 34px; margin-bottom: 14px; color: var(--muted); }
.crosslist li::before { content: "✕"; position: absolute; left: 0; top: 2px; width: 22px; height: 22px; border-radius: 50%; background: #f1e3e1; color: var(--err); font-size: .7rem; font-weight: 800; display: grid; place-items: center; }

/* Timeline */
.timeline { border-left: 3px solid var(--line); margin: 0; padding: 0 0 0 26px; list-style: none; }
.timeline li { position: relative; margin-bottom: 22px; }
.timeline li::before { content: ""; position: absolute; left: -34px; top: 6px; width: 13px; height: 13px; border-radius: 50%; background: var(--gold); border: 3px solid #fff; box-shadow: 0 0 0 1px var(--line); }
.timeline b { display: block; color: var(--navy); }

/* Compare table */
.compare { width: 100%; border-collapse: separate; border-spacing: 0; background: #fff; border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); font-size: .95rem; }
.compare th, .compare td { padding: 15px 18px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
.compare thead th { background: var(--navy); color: #fff; font-weight: 600; }
.compare thead th.us { background: var(--gold); color: var(--navy-900); }
.compare td.us { background: #fbf8f2; font-weight: 600; color: var(--navy); }
.compare tr:last-child td { border-bottom: 0; }
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--radius); }

/* Quote / promise */
.promise { border-left: 4px solid var(--gold); padding: 6px 0 6px 24px; font-family: var(--serif); font-size: clamp(1.4rem, 2.6vw, 1.9rem); color: var(--navy); line-height: 1.3; margin: 0 0 1em; font-style: italic; }
.bg-navy .promise { color: #fff; }

/* FAQ */
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; margin-bottom: 12px; }
.faq summary { cursor: pointer; list-style: none; padding: 20px 56px 20px 22px; font-weight: 600; color: var(--navy); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 22px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--gold-600); font-weight: 400; }
.faq details[open] summary::after { content: "–"; }
.faq details > div { padding: 0 22px 20px; color: var(--muted); }
.faq details > div p:last-child { margin: 0; }

/* CTA band */
.cta-band { background: linear-gradient(120deg, var(--navy-900), var(--navy)); color: #dce6ef; border-radius: 22px; padding: 56px; display: grid; grid-template-columns: 1.3fr auto; gap: 30px; align-items: center; }
.cta-band h2 { color: #fff; margin-bottom: .3em; }
.cta-band p { margin: 0; color: #c5d3e0; }
@media (max-width: 800px) { .cta-band { grid-template-columns: 1fr; padding: 36px 26px; } }

/* Forms */
.form-card { background: #fff; color: var(--ink); border-radius: 20px; padding: 32px; box-shadow: var(--shadow-lg); position: relative; }
.form-card h2, .form-card h3 { margin-bottom: .25em; }
.form-card .sub { color: var(--muted); font-size: .94rem; margin-bottom: 20px; }
.form-card .badge { position: absolute; top: -14px; right: 24px; background: var(--gold); color: var(--navy-900); font-size: .72rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; padding: 6px 12px; border-radius: 999px; }
@media (max-width: 560px) { .form-card { padding: 24px 20px; } }
.field { margin-bottom: 16px; }
.field label, .field .label { display: block; font-weight: 600; font-size: .88rem; margin-bottom: 6px; color: var(--navy); }
.field .opt { font-weight: 400; color: var(--muted); }
.field input[type=text], .field input[type=email], .field input[type=tel], .field input[type=number], .field select, .field textarea {
  width: 100%; font: inherit; font-size: 1rem; padding: 13px 14px; border: 1.5px solid #cfd6de; border-radius: 10px; background: #fff; color: var(--ink);
  transition: border-color .15s, box-shadow .15s; appearance: none; -webkit-appearance: none;
}
.field select { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2309304e' stroke-width='2' fill='none'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 40px; }
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px rgba(9,48,78,.12); }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: var(--err); }
.field .err { display: none; color: var(--err); font-size: .82rem; margin-top: 5px; }
.field.invalid .err { display: block; }
.field .hint { font-size: .8rem; color: var(--muted); margin-top: 5px; }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 14px; }
@media (max-width: 480px) { .row2 { grid-template-columns: 1fr; } }
.input-prefix { position: relative; }
.input-prefix span { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.input-prefix input { padding-left: 30px !important; }
.choices { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px; }
.choices.c3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 480px) { .choices.c3 { grid-template-columns: repeat(2, 1fr); } }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; cursor: pointer; margin: 0; }
.choice span { display: flex; align-items: center; justify-content: center; text-align: center; min-height: 48px; padding: 8px 10px; border: 1.5px solid #cfd6de; border-radius: 10px; font-size: .9rem; font-weight: 600; color: var(--ink); transition: .15s; line-height: 1.25; }
.choice input:checked + span { border-color: var(--navy); background: var(--navy); color: #fff; }
.choice input:focus-visible + span { box-shadow: 0 0 0 4px rgba(189,157,102,.45); }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: .86rem; color: var(--muted); margin-bottom: 12px; }
.check input { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--navy); flex: 0 0 auto; }
.check.invalid { color: var(--err); }
.hp { position: absolute !important; left: -10000px !important; width: 1px; height: 1px; overflow: hidden; }
.form-note { font-size: .8rem; color: var(--muted); text-align: center; margin: 12px 0 0; }
.form-note .lock::before { content: "🔒 "; }
.fieldset-title { font-family: var(--serif); font-size: 1.3rem; color: var(--navy); font-weight: 600; margin: 26px 0 12px; padding-top: 18px; border-top: 1px solid var(--line); }
.fieldset-title:first-of-type { border-top: 0; padding-top: 0; margin-top: 0; }
.form-status { display: none; padding: 12px 14px; border-radius: 10px; font-size: .9rem; margin-top: 12px; }
.form-status.error { display: block; background: #fdecea; color: var(--err); }

/* Multi-step */
.progress { display: flex; gap: 6px; margin-bottom: 20px; }
.progress i { flex: 1; height: 5px; border-radius: 3px; background: #e6e9ee; transition: background .25s; }
.progress i.on { background: var(--gold); }
.step-label { font-size: .75rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-text); margin-bottom: 6px; }
.fstep { display: none; }
.fstep.active { display: block; animation: fade .25s ease; }
@keyframes fade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.fnav { display: flex; gap: 10px; margin-top: 6px; }
.fnav .btn-back { background: none; border: 0; color: var(--muted); font: inherit; font-weight: 600; cursor: pointer; padding: 0 10px; }
.fnav .btn-back:hover { color: var(--navy); }
.fnav .btn { flex: 1; }
.success { text-align: center; padding: 20px 0; }
.success .big-tick { width: 70px; height: 70px; border-radius: 50%; background: var(--navy); color: var(--gold); display: grid; place-items: center; font-size: 2rem; margin: 0 auto 16px; }

/* Calculator */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; align-items: start; }
@media (max-width: 900px) { .calc { grid-template-columns: 1fr; } }
.calc-out { position: sticky; top: 100px; }
.calc-out .col { padding: 22px; border-radius: 14px; border: 1px solid var(--line); background: #fff; }
.calc-out .col.us { border: 2px solid var(--gold); background: #fffdf8; }
.calc-out dl { display: grid; grid-template-columns: 1fr auto; gap: 8px 12px; margin: 10px 0 0; font-size: .92rem; }
.calc-out dt { color: var(--muted); }
.calc-out dd { margin: 0; text-align: right; font-variant-numeric: tabular-nums; }
.calc-out .total { font-family: var(--serif); font-size: 2rem; color: var(--navy); font-weight: 700; line-height: 1; margin-top: 6px; }
.calc-out .diff { margin-top: 18px; padding: 18px; border-radius: 12px; background: var(--navy); color: #fff; text-align: center; }
.calc-out .diff b { display: block; font-family: var(--serif); font-size: 1.9rem; color: var(--gold); }
.range-row { display: flex; align-items: center; gap: 12px; }
.range-row input[type=range] { flex: 1; accent-color: var(--navy); }
.range-row output { min-width: 56px; text-align: right; font-weight: 700; color: var(--navy); }

/* Prose */
.prose h2 { margin-top: 1.6em; font-size: clamp(1.6rem, 3vw, 2.1rem); }
.prose h3 { margin-top: 1.4em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin-bottom: .4em; }
.callout { background: var(--cream); border-left: 4px solid var(--gold); border-radius: 0 12px 12px 0; padding: 20px 24px; margin: 24px 0; }
.callout p:last-child { margin: 0; }

/* Footer */
.site-footer { background: var(--navy-900); color: #a9bacb; font-size: .92rem; padding: 64px 0 0; }
.site-footer a { color: #dce6ef; text-decoration: none; }
.site-footer a:hover { color: var(--gold); }
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 36px; }
.foot-grid h4 { font-family: var(--sans); font-size: .76rem; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); margin-bottom: 16px; font-weight: 700; }
.foot-grid ul { list-style: none; padding: 0; margin: 0; }
.foot-grid li { margin-bottom: 9px; }
.foot-logo img { height: 52px; width: auto; margin-bottom: 18px; }
.foot-bottom { margin-top: 48px; border-top: 1px solid rgba(255,255,255,.1); padding: 22px 0 26px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; font-size: .8rem; }
@media (max-width: 900px) { .foot-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px) { .foot-grid { grid-template-columns: 1fr; } }

/* Mobile sticky CTA */
.sticky-cta { display: none; }
@media (max-width: 760px) {
  .sticky-cta { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; padding: 10px 14px calc(10px + env(safe-area-inset-bottom)); gap: 10px; background: rgba(255,255,255,.97); border-top: 1px solid var(--line); box-shadow: 0 -6px 20px rgba(0,0,0,.08); }
  .sticky-cta .btn { flex: 1; padding: .85em 1em; font-size: .92rem; }
  body { padding-bottom: 76px; }
}

/* Utility */
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; } .mt-2 { margin-top: 2rem; } .mt-1 { margin-top: 1rem; }
.btn-row { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 28px; }
.muted { color: var(--muted); }
.small { font-size: .86rem; }
.pill-list { display: flex; flex-wrap: wrap; gap: 10px; list-style: none; padding: 0; margin: 0; }
.pill-list li { background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 8px 16px; font-size: .9rem; font-weight: 500; }
.bg-navy .pill-list li { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,.15); color: #fff; }

.hero .wrap.wrap-stats { display: block; padding-top: 0; padding-bottom: 40px; }
.card.bg-navy { background: var(--navy); color: #dce6ef; }
.card.bg-navy p { color: #c9d6e2; }
html, body { overflow-x: clip; }
@media (max-width: 1020px) {
  .nav { visibility: hidden; transition: transform .25s ease, visibility 0s .25s; }
  .nav.open { visibility: visible; transition: transform .25s ease; }
}
@media (max-width: 640px) {
  .topbar span:not(:first-child) { display: none; }
}
.nav > a.btn-gold { background: var(--gold); color: var(--navy-900); padding: .75em 1.25em; }
.nav > a.btn-gold:hover { background: #c9ab77; }
.page-hero.has-form .wrap { align-items: start; } .page-hero.has-form .wrap > div:first-child { padding-top: 24px; }