/* ============================================================
   Merchant Risk Advisory (PLACEHOLDER brand) — Design System
   Light bg · navy/charcoal type · subtle blue/teal accents
   ============================================================ */

:root {
  /* Palette */
  --navy-900: #0b1b2b;
  --navy-800: #10263b;
  --navy-700: #1c3550;
  --charcoal: #1f2933;
  --slate-600: #475569;
  --slate-500: #64748b;
  --slate-400: #94a3b8;
  --slate-300: #cbd5e1;
  --slate-200: #e2e8f0;
  --slate-100: #f1f5f9;
  --slate-50:  #f8fafc;
  --white:     #ffffff;

  --blue-600: #1d5fbf;
  --blue-500: #2f74d0;
  --blue-100: #e6effb;
  --teal-600: #0e7490;
  --teal-500: #0ea5b7;
  --teal-100: #e0f5f7;

  --green-600: #15803d;
  --green-100: #dcfce7;
  --amber-600: #b45309;
  --amber-100: #fef3c7;
  --red-600:   #b91c1c;
  --red-100:   #fee2e2;

  /* Semantic */
  --bg:            var(--white);
  --bg-alt:        var(--slate-50);
  --bg-tint:       var(--slate-100);
  --text:          var(--charcoal);
  --text-muted:    var(--slate-600);
  --text-subtle:   var(--slate-500);
  --heading:       var(--navy-900);
  --accent:        var(--blue-600);
  --accent-2:      var(--teal-600);
  --border:        var(--slate-200);
  --border-strong: var(--slate-300);

  /* Type */
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
    Helvetica, Arial, sans-serif;
  --font-display: "Sora", "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI",
    Roboto, Helvetica, Arial, sans-serif;

  /* Spacing / layout */
  --container: 1140px;
  --container-narrow: 820px;
  --radius: 10px;
  --radius-lg: 16px;
  --radius-pill: 999px;

  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.06);
  --shadow: 0 4px 16px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 16px 40px rgba(15, 23, 42, 0.12);

  --transition: 160ms ease;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
}
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--heading); line-height: 1.15; margin: 0 0 0.5em; font-weight: 700; letter-spacing: -0.025em; }
h1 { font-size: clamp(2.25rem, 4.5vw, 3.4rem); font-weight: 800; letter-spacing: -0.035em; }
h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); font-weight: 700; }
h3 { font-size: 1.25rem; letter-spacing: -0.02em; }
h4 { font-size: 1.05rem; letter-spacing: -0.015em; }
p { margin: 0 0 1rem; }
ul, ol { margin: 0 0 1rem; padding-left: 1.25rem; }
li { margin-bottom: 0.4rem; }

/* ---------- Accessibility ---------- */
:focus-visible {
  outline: 3px solid var(--blue-500);
  outline-offset: 2px;
  border-radius: 4px;
}
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--navy-900);
  color: #fff;
  padding: 0.75rem 1rem;
  z-index: 200;
  border-radius: 0 0 var(--radius) 0;
}
.skip-link:focus { left: 0; }
.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0);
  white-space: nowrap; border: 0;
}

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 1.25rem; }
.container-narrow { max-width: var(--container-narrow); }
.section { padding: 5rem 0; }
.section-sm { padding: 3.25rem 0; }
.section--alt { background: var(--bg-alt); }
.section--navy { background: var(--navy-900); color: #dbe4ee; }
.section--navy h1, .section--navy h2, .section--navy h3 { color: #fff; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent-2);
  margin-bottom: 0.85rem;
}
.eyebrow::before {
  content: "";
  width: 22px;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
  opacity: 0.7;
}
.section-head.center .eyebrow::before { display: none; }
.section--navy .eyebrow { color: var(--teal-500); }
.section-head { max-width: 720px; margin-bottom: 2.5rem; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.lead { font-size: 1.15rem; color: var(--text-muted); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-weight: 600;
  font-size: 1rem;
  padding: 0.8rem 1.5rem;
  border-radius: var(--radius);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition), transform var(--transition), color var(--transition);
  text-decoration: none;
  line-height: 1.2;
}
.btn:hover { text-decoration: none; transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-primary {
  background: linear-gradient(135deg, var(--blue-600), var(--teal-600));
  color: #fff;
  box-shadow: 0 6px 18px rgba(29, 95, 191, 0.28);
}
.btn-primary:hover { color: #fff; box-shadow: 0 10px 26px rgba(29, 95, 191, 0.36); filter: brightness(1.05); }
.btn-secondary { background: transparent; color: var(--accent); border-color: var(--border-strong); }
.btn-secondary:hover { border-color: var(--accent); background: var(--blue-100); }
.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,0.35); }
.btn-ghost-light:hover { background: rgba(255,255,255,0.1); color: #fff; }
.btn-light { background: #fff; color: var(--navy-900); }
.btn-light:hover { background: var(--slate-100); color: var(--navy-900); }
.btn-lg { padding: 1rem 1.9rem; font-size: 1.05rem; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.82);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent;
  transition: box-shadow var(--transition), border-color var(--transition), background var(--transition);
}
.site-header.scrolled {
  background: rgba(255,255,255,0.92);
  border-bottom-color: var(--border);
  box-shadow: 0 6px 24px rgba(11, 27, 43, 0.06);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  height: 72px;
}
/* Desktop nav layout: links + CTA sit inline. Without this the CTA drops
   below the bar (block flow) — the header layout bug this fixes. */
.nav__menu {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  margin-left: auto;
}
.nav__cta .btn { padding: 0.58rem 1.1rem; font-size: 0.9rem; }
.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--navy-900);
  letter-spacing: -0.02em;
  flex: none;
}
.brand:hover { text-decoration: none; }
.brand__mark {
  width: 30px; height: 30px;
  flex: none;
}
.brand__name {
  display: inline-flex;
  flex-direction: column;
  justify-content: center;
  white-space: nowrap;
  line-height: 1.1;
}
.brand__name small {
  display: block;
  font-size: 0.58rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-2);
  margin-top: 1px;
}
.nav__links {
  display: flex;
  align-items: center;
  gap: 0.1rem;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav__links a {
  color: var(--text-muted);
  font-weight: 500;
  font-size: 0.9rem;
  padding: 0.45rem 0.62rem;
  border-radius: var(--radius);
  white-space: nowrap;
  transition: color var(--transition), background var(--transition);
}
.nav__links a:hover { color: var(--navy-900); background: var(--slate-100); text-decoration: none; }
.nav__links a[aria-current="page"] { color: var(--accent); font-weight: 600; }
.nav__cta { margin-left: 0.35rem; }
.nav__toggle {
  display: none;
  background: none;
  border: 1.5px solid var(--border-strong);
  border-radius: var(--radius);
  width: 44px; height: 44px;
  cursor: pointer;
  align-items: center;
  justify-content: center;
  color: var(--navy-900);
}

@media (max-width: 1024px) {
  .nav__toggle { display: inline-flex; }
  .nav__menu {
    position: fixed;
    inset: 72px 0 auto 0;
    margin-left: 0;
    background: #fff;
    border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow-lg);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 0.75rem 1.25rem 1.5rem;
    display: none;
    max-height: calc(100vh - 72px);
    overflow-y: auto;
  }
  .nav__menu.open { display: flex; }
  .nav__links { flex-direction: column; align-items: stretch; gap: 0; width: 100%; }
  .nav__links a { padding: 0.85rem 0.5rem; border-radius: 0; border-bottom: 1px solid var(--border); }
  .nav__cta { margin: 1rem 0 0; }
  .nav__cta .btn { width: 100%; justify-content: center; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: linear-gradient(180deg, var(--slate-50) 0%, #fff 100%);
  border-bottom: 1px solid var(--border);
  overflow: hidden;
  isolation: isolate;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background:
    radial-gradient(60% 70% at 82% 8%, rgba(14, 116, 144, 0.10), transparent 60%),
    radial-gradient(52% 60% at 12% 6%, rgba(29, 95, 191, 0.10), transparent 55%);
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background-image:
    linear-gradient(to right, rgba(11, 27, 43, 0.035) 1px, transparent 1px),
    linear-gradient(to bottom, rgba(11, 27, 43, 0.035) 1px, transparent 1px);
  background-size: 44px 44px;
  -webkit-mask-image: radial-gradient(ellipse 80% 70% at 50% 0%, #000 40%, transparent 78%);
  mask-image: radial-gradient(ellipse 80% 70% at 50% 0%, #000 40%, transparent 78%);
}
.hero__grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 3rem;
  align-items: center;
  padding: 4.5rem 0;
}
.hero__title { margin-bottom: 1rem; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 0.85rem; margin-top: 1.75rem; }
.hero__meta {
  display: flex;
  flex-wrap: wrap;
  gap: 1.5rem;
  margin-top: 2.25rem;
  padding-top: 1.75rem;
  border-top: 1px solid var(--border);
}
.hero__meta div { min-width: 120px; }
.hero__meta strong { display: block; font-size: 1.6rem; color: var(--navy-900); }
.hero__meta span { font-size: 0.9rem; color: var(--text-subtle); }
@media (max-width: 860px) {
  .hero__grid { grid-template-columns: 1fr; gap: 2rem; padding: 3rem 0; }
  .hero__art { order: -1; max-width: 460px; }
}

/* ---------- Grids / Cards ---------- */
.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } .grid-3 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card {
  position: relative;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.7rem;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}
.card::before {
  content: "";
  position: absolute;
  left: 0; top: 0; right: 0;
  height: 3px;
  border-radius: var(--radius-lg) var(--radius-lg) 0 0;
  background: linear-gradient(90deg, var(--blue-500), var(--teal-500));
  opacity: 0;
  transition: opacity var(--transition);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--border-strong); }
.card:hover::before { opacity: 1; }
.card--flat::before { display: none; }
.card h3 { margin-bottom: 0.5rem; }
.card p { color: var(--text-muted); margin-bottom: 0; font-size: 0.97rem; }
.card--flat:hover { transform: none; box-shadow: none; }

.icon-badge {
  width: 46px; height: 46px;
  border-radius: 12px;
  background: var(--blue-100);
  color: var(--accent);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}
.icon-badge.teal { background: var(--teal-100); color: var(--accent-2); }
.icon-badge svg { width: 24px; height: 24px; }

/* Feature list with checks */
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li {
  position: relative;
  padding-left: 1.9rem;
  margin-bottom: 0.75rem;
  color: var(--text-muted);
}
.check-list li::before {
  content: "";
  position: absolute;
  left: 0; top: 0.15rem;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: var(--teal-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%230e7490' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center / 12px no-repeat;
}

/* Pills / tags */
.pill {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.85rem;
  font-weight: 600;
  padding: 0.3rem 0.8rem;
  border-radius: var(--radius-pill);
  background: var(--slate-100);
  color: var(--slate-600);
}
.pill.blue { background: var(--blue-100); color: var(--accent); }
.pill.teal { background: var(--teal-100); color: var(--accent-2); }

/* Steps */
.steps { counter-reset: step; display: grid; gap: 1.5rem; }
.steps.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) { .steps.grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .steps.grid-4 { grid-template-columns: 1fr; } }
.step { position: relative; padding-top: 0.5rem; }
.step__num {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--navy-900);
  color: #fff;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}
.step h3 { font-size: 1.1rem; }
.step p { color: var(--text-muted); font-size: 0.96rem; margin-bottom: 0; }

/* Risk tag colors */
.tag-low  { background: var(--green-100); color: var(--green-600); }
.tag-med  { background: var(--amber-100); color: var(--amber-600); }
.tag-high { background: var(--red-100);   color: var(--red-600); }

/* Sample deliverable "document" mock */
.doc-mock {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  overflow: hidden;
}
.doc-mock__bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.9rem 1.25rem;
  background: var(--navy-900);
  color: #fff;
}
.doc-mock__bar h4 { color: #fff; margin: 0; font-size: 1rem; }
.doc-mock__body { padding: 1.5rem; }
.doc-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.7rem 0;
  border-bottom: 1px dashed var(--border);
  font-size: 0.95rem;
}
.doc-row:last-child { border-bottom: none; }
.doc-row span:first-child { color: var(--text-muted); }
.bar-track { height: 8px; border-radius: var(--radius-pill); background: var(--slate-100); overflow: hidden; }
.bar-fill { height: 100%; border-radius: var(--radius-pill); background: linear-gradient(90deg, var(--teal-500), var(--blue-500)); }

/* ---------- FAQ (accordion) ---------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq__item { border-bottom: 1px solid var(--border); }
.faq__q {
  width: 100%;
  background: none;
  border: none;
  text-align: left;
  font-size: 1.08rem;
  font-weight: 600;
  color: var(--navy-900);
  padding: 1.25rem 2.5rem 1.25rem 0;
  cursor: pointer;
  position: relative;
  font-family: inherit;
}
.faq__q::after {
  content: "+";
  position: absolute;
  right: 0.25rem; top: 50%;
  transform: translateY(-50%);
  font-size: 1.5rem;
  color: var(--accent);
  transition: transform var(--transition);
}
.faq__q[aria-expanded="true"]::after { content: "\2013"; }
.faq__a {
  overflow: hidden;
  max-height: 0;
  transition: max-height var(--transition);
}
.faq__a-inner { padding: 0 0 1.25rem; color: var(--text-muted); }

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--navy-900), var(--navy-700));
  border-radius: var(--radius-lg);
  padding: 3rem;
  text-align: center;
  color: #dbe4ee;
}
.cta-band h2 { color: #fff; }
.cta-band .btn { margin-top: 0.5rem; }
@media (max-width: 560px) { .cta-band { padding: 2rem 1.25rem; } }

/* ---------- Split content ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}
.split.reverse .split__media { order: 2; }
@media (max-width: 860px) {
  .split { grid-template-columns: 1fr; gap: 2rem; }
  .split.reverse .split__media { order: 0; }
}

/* ---------- Page hero (interior) ---------- */
.page-hero {
  background: var(--navy-900);
  color: #cdd8e4;
  padding: 3.5rem 0;
}
.page-hero h1 { color: #fff; margin-bottom: 0.75rem; }
.page-hero p { max-width: 640px; font-size: 1.1rem; margin: 0; }
.breadcrumb { font-size: 0.85rem; color: var(--slate-400); margin-bottom: 1rem; }
.breadcrumb a { color: var(--slate-300); }

/* ---------- Forms ---------- */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } }
.field { display: flex; flex-direction: column; }
.field.full { grid-column: 1 / -1; }
.field label { font-weight: 600; font-size: 0.92rem; color: var(--navy-800); margin-bottom: 0.4rem; }
.field .req { color: var(--red-600); }
.field input, .field select, .field textarea {
  font-family: inherit;
  font-size: 1rem;
  padding: 0.75rem 0.9rem;
  border: 1.5px solid var(--border-strong);
  border-radius: var(--radius);
  background: #fff;
  color: var(--text);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.field textarea { resize: vertical; min-height: 130px; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--blue-100);
}
.field input[aria-invalid="true"], .field select[aria-invalid="true"], .field textarea[aria-invalid="true"] {
  border-color: var(--red-600);
}
.field .error-msg { color: var(--red-600); font-size: 0.85rem; margin-top: 0.35rem; min-height: 1rem; }
.field .hint { color: var(--text-subtle); font-size: 0.85rem; margin-top: 0.3rem; }
.checkbox-row { display: flex; gap: 0.7rem; align-items: flex-start; }
.checkbox-row input { width: 20px; height: 20px; margin-top: 0.2rem; flex: none; }
.checkbox-row label { font-weight: 400; font-size: 0.92rem; color: var(--text-muted); }
fieldset { border: none; padding: 0; margin: 0; }
fieldset legend { font-weight: 600; font-size: 0.92rem; color: var(--navy-800); margin-bottom: 0.5rem; padding: 0; }
.checkbox-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0.5rem 1.25rem; }
@media (max-width: 560px) { .checkbox-grid { grid-template-columns: 1fr; } }
.checkbox-grid .checkbox-row label { font-size: 0.9rem; }

.form-status { border-radius: var(--radius); padding: 1rem 1.25rem; margin-bottom: 1.5rem; font-weight: 500; }
.form-status.success { background: var(--green-100); color: var(--green-600); border: 1px solid #86efac; }
.form-status.error { background: var(--red-100); color: var(--red-600); border: 1px solid #fca5a5; }
.form-status[hidden] { display: none; }

/* ---------- Contact info cards ---------- */
.info-card { display: flex; gap: 0.9rem; align-items: flex-start; }
.info-card .icon-badge { margin-bottom: 0; flex: none; }
.info-card h4 { margin-bottom: 0.2rem; }
.info-card p { margin: 0; color: var(--text-muted); font-size: 0.95rem; }

/* ---------- Insights ---------- */
.article-card { display: flex; flex-direction: column; height: 100%; position: relative; }
.article-card .meta { font-size: 0.82rem; color: var(--text-subtle); margin-bottom: 0.6rem; text-transform: uppercase; letter-spacing: 0.05em; }
.article-card h3 { font-size: 1.15rem; }
.article-card h3 a { color: var(--heading); }
.article-card h3 a:hover { color: var(--accent); text-decoration: none; }
.article-card .read { margin-top: auto; font-weight: 600; color: var(--accent); font-size: 0.92rem; }
.article-card .read:hover { text-decoration: none; }
/* Stretched link: whole card is clickable, keyboard focus stays on the link */
.article-card__link::after { content: ""; position: absolute; inset: 0; }

/* ---------- Article (Insights detail) ---------- */
.article-body { max-width: 760px; }
.article-body h2 { margin-top: 2.25rem; }
.article-body h3 { margin-top: 1.5rem; font-size: 1.15rem; }
.article-body p, .article-body li { color: var(--text); }
.article-body ul, .article-body ol { padding-left: 1.3rem; }
.article-body .lead { color: var(--text-muted); }
.article-meta {
  display: flex; flex-wrap: wrap; gap: 0.75rem 1.25rem;
  align-items: center; color: var(--slate-400);
  font-size: 0.9rem; margin-top: 1rem;
}
.article-callout {
  background: var(--slate-50);
  border: 1px solid var(--border);
  border-left: 4px solid var(--accent-2);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  margin: 2rem 0;
}
.article-callout p:last-child { margin-bottom: 0; }
.article-nav {
  display: flex; flex-wrap: wrap; gap: 1rem; justify-content: space-between;
  border-top: 1px solid var(--border); margin-top: 3rem; padding-top: 1.5rem;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy-900);
  color: #9fb0c3;
  padding: 3.5rem 0 2rem;
  font-size: 0.95rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr repeat(3, 1fr);
  gap: 2.5rem;
  margin-bottom: 2.5rem;
}
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } }
.site-footer .brand { color: #fff; margin-bottom: 1rem; }
.site-footer h4 { color: #fff; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 1rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 0.6rem; }
.site-footer a { color: #9fb0c3; }
.site-footer a:hover { color: #fff; }
.footer-note { color: #6b7f96; font-size: 0.85rem; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.5rem;
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: space-between;
  align-items: center;
}
.footer-bottom nav { display: flex; gap: 1.25rem; flex-wrap: wrap; }

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.muted { color: var(--text-muted); }
.stack > * + * { margin-top: 1rem; }
.disclaimer {
  font-size: 0.82rem;
  color: var(--text-subtle);
  border-left: 3px solid var(--border-strong);
  padding-left: 1rem;
  margin-top: 1.5rem;
}

/* ---------- Scroll reveal (progressive enhancement) ---------- */
.reveal { opacity: 0; transform: translateY(20px); transition: opacity 0.65s cubic-bezier(0.16,1,0.3,1), transform 0.65s cubic-bezier(0.16,1,0.3,1); will-change: opacity, transform; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal, .reveal.in { opacity: 1 !important; transform: none !important; transition: none !important; }
}

/* ---------- Header dropdown ---------- */
.nav__has-drop { position: relative; }
.nav__drop {
  display: inline-flex; align-items: center; gap: 0.3rem;
  background: none; border: none; cursor: pointer; font-family: inherit;
  color: var(--text-muted); font-weight: 500; font-size: 0.9rem;
  padding: 0.45rem 0.62rem; border-radius: var(--radius); white-space: nowrap;
  transition: color var(--transition), background var(--transition);
}
.nav__drop:hover, .nav__has-drop:hover .nav__drop, .nav__drop[aria-expanded="true"] {
  color: var(--navy-900); background: var(--slate-100);
}
.nav__caret { transition: transform var(--transition); }
.nav__has-drop:hover .nav__caret, .nav__drop[aria-expanded="true"] .nav__caret { transform: rotate(180deg); }
.nav__dropdown {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 230px;
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-lg); padding: 0.4rem; list-style: none; margin: 0;
  opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition);
  z-index: 110;
}
.nav__has-drop:hover .nav__dropdown,
.nav__has-drop:focus-within .nav__dropdown,
.nav__dropdown.open { opacity: 1; visibility: visible; transform: none; }
.nav__dropdown li { margin: 0; }
.nav__dropdown a {
  display: block; padding: 0.6rem 0.8rem; border-radius: 8px;
  color: var(--text-muted); font-size: 0.92rem; font-weight: 500; white-space: nowrap;
}
.nav__dropdown a:hover { background: var(--slate-100); color: var(--navy-900); text-decoration: none; }
.nav__dropdown a[aria-current="page"] { color: var(--accent); font-weight: 600; }

/* ---------- Button ripple (click feedback) ---------- */
.btn { position: relative; overflow: hidden; }
.ripple {
  position: absolute; border-radius: 50%; transform: scale(0);
  background: rgba(255,255,255,0.5); animation: ripple 0.6s ease-out; pointer-events: none;
}
.btn-secondary .ripple, .btn-light .ripple, .nav__links .ripple { background: rgba(29,95,191,0.22); }
@keyframes ripple { to { transform: scale(2.6); opacity: 0; } }

/* ---------- Scroll progress bar ---------- */
.scroll-progress {
  position: fixed; top: 0; left: 0; height: 3px; width: 0;
  background: linear-gradient(90deg, var(--blue-500), var(--teal-500));
  z-index: 200; transition: width 0.08s linear;
}

/* ---------- Back to top ---------- */
.to-top {
  position: fixed; right: 1.25rem; bottom: 1.25rem; width: 46px; height: 46px;
  border-radius: 50%; background: var(--navy-900); color: #fff; border: none; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  opacity: 0; visibility: hidden; transform: translateY(10px);
  transition: opacity var(--transition), transform var(--transition), visibility var(--transition), background var(--transition);
  z-index: 150; box-shadow: var(--shadow-lg);
}
.to-top.show { opacity: 1; visibility: visible; transform: none; }
.to-top:hover { background: var(--navy-700); }

/* ---------- Page fade-in (safe: ends at natural opacity) ---------- */
@keyframes pageFade { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
main { animation: pageFade 0.45s ease both; }

@media (prefers-reduced-motion: reduce) {
  .ripple { display: none; }
  main { animation: none; }
}

/* ---------- Dropdown on mobile (inline, no hover) ---------- */
@media (max-width: 1024px) {
  .nav__has-drop { width: 100%; }
  .nav__drop { width: 100%; justify-content: space-between; padding: 0.85rem 0.5rem; border-bottom: 1px solid var(--border); font-size: 1rem; }
  .nav__dropdown {
    position: static; opacity: 1; visibility: visible; transform: none;
    box-shadow: none; border: none; padding: 0 0 0.5rem 0.75rem; min-width: 0;
  }
  .nav__dropdown a { padding: 0.7rem 0.5rem; border-bottom: 1px solid var(--border); }
  .nav__caret { display: none; }
}