/* =========================================================================
   Bright Portmantage — design system
   Light theme: cool porcelain, deep slate, maple red-orange accent.
   Geo-adapted (Canada): Toronto skyline motif, restrained flag-inspired
   geometry, chart/coin/network investment language.
   ========================================================================= */

/* ---- Tokens ---------------------------------------------------------- */
:root {
  --bg: #F4F6F9;
  --surface: #FFFFFF;
  --surface-2: #EBF0F5;
  --border: #D9E1EA;
  --border-strong: #C4D0DD;
  --text: #1D2B3A;
  --muted: #52657A;
  --accent: #C13B2A;
  --accent-hover: #A22F20;
  --accent-tint: #FAECE8;
  --navy-900: #16222F;
  --navy-700: #24425E;
  --navy-500: #3D6284;
  --navy-100: #DCE6F0;

  --ok: #2E7D4F;
  --ok-tint: #E6F2EA;
  --no: #B3382C;
  --no-tint: #F9E9E6;

  --font: "Segoe UI", -apple-system, BlinkMacSystemFont, Roboto, "Helvetica Neue", Arial, sans-serif;

  --radius-sm: 10px;
  --radius: 14px;
  --radius-lg: 20px;

  --shadow-sm: 0 1px 2px rgba(22, 34, 47, 0.07), 0 2px 6px rgba(22, 34, 47, 0.05);
  --shadow-md: 0 1px 2px rgba(22, 34, 47, 0.06), 0 8px 24px rgba(22, 34, 47, 0.09);
  --shadow-lg: 0 2px 6px rgba(22, 34, 47, 0.08), 0 18px 44px rgba(22, 34, 47, 0.14);

  --header-h: 72px;
  --ease: cubic-bezier(0.2, 0.6, 0.2, 1);
}

/* ---- Base ------------------------------------------------------------ */
*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  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 { line-height: 1.22; margin: 0 0 0.6em; font-weight: 700; letter-spacing: -0.01em; }
h1 { font-size: clamp(1.9rem, 4vw, 3rem); }
h2 { font-size: clamp(1.45rem, 2.8vw, 2.1rem); }
h3 { font-size: 1.18rem; }
p { margin: 0 0 1em; }
a { color: var(--accent); text-decoration: none; }
a:hover { color: var(--accent-hover); text-decoration: underline; }
ul, ol { padding-left: 1.3em; margin: 0 0 1em; }
li { margin-bottom: 0.4em; }
strong { font-weight: 650; color: var(--text); }

.icon { width: 24px; height: 24px; flex: none; }
.icon--sm { width: 18px; height: 18px; }
.icon--xs { width: 15px; height: 15px; }

.skip-link {
  position: absolute; left: -9999px; top: 8px; z-index: 200;
  background: var(--accent); color: #fff; padding: 10px 16px;
  border-radius: var(--radius-sm); font-weight: 600;
}
.skip-link:focus { left: 8px; color: #fff; }

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

::selection { background: var(--accent-tint); color: var(--navy-900); }

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

.site-main { display: block; }

.section { padding-block: clamp(56px, 7.5vw, 92px); position: relative; }
.section--paper { background: var(--surface); }
.section--tint {
  background:
    radial-gradient(1100px 480px at 85% -10%, rgba(193, 59, 42, 0.05), transparent 60%),
    linear-gradient(180deg, var(--surface-2), var(--bg));
}
.section--motif {
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='240' height='140' viewBox='0 0 240 140'%3E%3Cg fill='none' stroke='%2324425E' stroke-opacity='0.07' stroke-width='1.4'%3E%3Cpath d='M0 104h34l16-30 18 46 20-64 16 48h32'/%3E%3Ccircle cx='96' cy='56' r='7'/%3E%3Cpath d='M96 63v41M89 70l7-7 7 7'/%3E%3C/g%3E%3C/svg%3E"),
    linear-gradient(180deg, var(--bg), var(--surface-2));
}
.section--grid {
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='48' height='48'%3E%3Cg fill='%2324425E' fill-opacity='0.055'%3E%3Ccircle cx='2' cy='2' r='1.6'/%3E%3Ccircle cx='26' cy='26' r='1.6'/%3E%3C/g%3E%3C/svg%3E"),
    radial-gradient(900px 420px at 8% 0%, rgba(36, 66, 94, 0.07), transparent 62%),
    var(--surface);
}

.section__head { max-width: 760px; margin-bottom: clamp(28px, 4vw, 44px); }
.section__head--center { margin-inline: auto; text-align: center; }
.section__lead { color: var(--muted); font-size: 1.06rem; margin-bottom: 0; }

.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.12em;
  text-transform: uppercase; color: var(--accent);
  margin-bottom: 10px;
}
.eyebrow::before {
  content: ""; width: 22px; height: 2px; background: var(--accent);
  border-radius: 2px;
}

/* ---- Buttons ----------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font); font-size: 0.98rem; font-weight: 650;
  line-height: 1; padding: 15px 26px; border-radius: 999px;
  border: 1.5px solid transparent; cursor: pointer; text-decoration: none;
  transition: background 160ms var(--ease), color 160ms var(--ease),
    border-color 160ms var(--ease), transform 160ms var(--ease),
    box-shadow 160ms var(--ease);
  white-space: nowrap;
}
.btn:hover { text-decoration: none; transform: translateY(-2px); }
.btn:active { transform: translateY(0); }

.btn-primary { background: var(--accent); color: #fff; box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--accent-hover); color: #fff; box-shadow: var(--shadow-md); }

.btn-outline { background: transparent; color: var(--accent); border-color: var(--accent); }
.btn-outline:hover { background: var(--accent-tint); color: var(--accent-hover); }

.btn-slate { background: var(--navy-700); color: #fff; }
.btn-slate:hover { background: var(--navy-900); color: #fff; }

.btn--sm { padding: 11px 20px; font-size: 0.92rem; }
.btn--block { width: 100%; }
.btn--lg { padding: 17px 32px; font-size: 1.04rem; }

/* ---- Header ------------------------------------------------------------ */
.site-header {
  position: sticky; top: 0; z-index: 120;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow 200ms var(--ease);
}
.site-header.is-scrolled { box-shadow: var(--shadow-md); }

.header-inner {
  display: flex; align-items: center; gap: 22px;
  min-height: var(--header-h);
}

.brand { display: inline-flex; align-items: center; gap: 11px; color: var(--text); }
.brand:hover { text-decoration: none; }
.brand__mark { width: 40px; height: 40px; }
.brand__word { font-size: 1.18rem; font-weight: 400; letter-spacing: -0.01em; }
.brand__word-accent { font-weight: 750; color: var(--accent); }
.brand--footer .brand__word { color: #fff; }

.site-nav { margin-left: auto; }
.nav-list { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.nav-item { position: relative; }

.nav-link {
  display: inline-flex; align-items: center; gap: 5px;
  padding: 10px 13px; border-radius: var(--radius-sm);
  font-size: 0.95rem; font-weight: 600; color: var(--text);
  background: none; border: 0; cursor: pointer; font-family: var(--font);
  transition: background 150ms var(--ease), color 150ms var(--ease);
}
.nav-link:hover { background: var(--surface-2); color: var(--text); text-decoration: none; }
.nav-link.is-current { color: var(--accent); }
.nav-caret { transition: transform 160ms var(--ease); }
.nav-drop[aria-expanded="true"] .nav-caret { transform: rotate(180deg); }

.dropdown {
  position: absolute; top: calc(100% + 8px); left: 0; z-index: 130;
  min-width: 264px; max-width: 320px;
  max-height: calc(100vh - 160px); overflow-y: auto; /* Documents (11 items) must never overflow a short viewport */
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); box-shadow: var(--shadow-md);
  padding: 8px; margin: 0; list-style: none;
  opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity 160ms var(--ease), transform 160ms var(--ease), visibility 160ms;
}
.dropdown::before {
  content: ""; position: absolute; top: -5px; left: 22px;
  width: 10px; height: 10px; background: var(--surface);
  border-left: 1px solid var(--border); border-top: 1px solid var(--border);
  transform: rotate(45deg);
}
.dropdown.is-open { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-item--group:last-child .dropdown { left: auto; right: 0; }
.nav-item--group:last-child .dropdown::before { left: auto; right: 22px; }
.dropdown a {
  display: block; padding: 10px 12px; border-radius: 9px;
  color: var(--text); font-size: 0.93rem; font-weight: 550;
}
.dropdown a:hover, .dropdown a:focus-visible { background: var(--accent-tint); color: var(--text); text-decoration: none; }
.dropdown a[aria-current="page"] { color: var(--accent); font-weight: 700; }

.header-cta { flex: none; }

.nav-toggle {
  display: none; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: var(--radius-sm);
  background: none; border: 1px solid var(--border); color: var(--text);
  cursor: pointer;
}
.nav-toggle__icon--close { display: none; }
.nav-toggle[aria-expanded="true"] .nav-toggle__icon--menu { display: none; }
.nav-toggle[aria-expanded="true"] .nav-toggle__icon--close { display: inline-flex; }

.mobile-nav { border-top: 1px solid var(--border); background: var(--surface); }
.mobile-nav__inner { padding-block: 12px 20px; max-height: calc(100vh - var(--header-h)); overflow-y: auto; }
.mobile-nav__list { list-style: none; margin: 0; padding: 0; }
.mobile-nav__list > li > a {
  display: block; padding: 12px 6px; font-weight: 600; color: var(--text);
  border-bottom: 1px solid var(--surface-2);
}
.mobile-nav__group-btn {
  display: flex; width: 100%; align-items: center; justify-content: space-between;
  padding: 12px 6px; background: none; border: 0; border-bottom: 1px solid var(--surface-2);
  font: inherit; font-weight: 600; color: var(--text); cursor: pointer;
}
.mobile-nav__sub { list-style: none; margin: 0; padding: 4px 0 10px 10px; }
.mobile-nav__sub a { display: block; padding: 7px 10px; font-size: 0.93rem; color: var(--muted); border-radius: 8px; }
.mobile-nav__sub a:hover { background: var(--surface-2); color: var(--text); text-decoration: none; }
.mobile-nav__cta { padding-top: 16px; }

/* ---- Ticker ------------------------------------------------------------ */
.tv-ticker-wrapper {
  border-bottom: 1px solid var(--border);
  background: var(--surface);
}
/* Mandatory kit rule (all sites): fixed compact tape height on every page,
   including /special-offer/. Nothing below depends on a taller wrapper. */
.tv-ticker-wrapper { padding-top: 0px !important; height: 58px !important; }

/* ---- Breadcrumbs ------------------------------------------------------- */
.breadcrumbs { background: var(--bg); padding-block: 14px 4px; }
.breadcrumbs ol {
  display: flex; flex-wrap: wrap; gap: 6px; list-style: none;
  margin: 0; padding: 0; font-size: 0.85rem; color: var(--muted);
}
.breadcrumbs li + li::before { content: "/"; margin-right: 6px; color: var(--border-strong); }
.breadcrumbs a { color: var(--muted); }
.breadcrumbs a:hover { color: var(--accent); }

/* ---- Hero (home) — asymmetric editorial with vertical anchor -------------- */
.hero--v2 {
  position: relative; overflow: hidden;
  min-height: clamp(620px, 88vh, 860px);
  display: flex; align-items: stretch;
  background:
    radial-gradient(1100px 560px at 96% 10%, rgba(193, 59, 42, 0.05), transparent 55%),
    radial-gradient(760px 520px at 4% 96%, rgba(36, 66, 94, 0.07), transparent 60%),
    linear-gradient(180deg, #EDF2F7 0%, var(--bg) 82%);
}
.hero--v2 .container {
  position: relative; z-index: 2;
  display: flex; flex-direction: column; justify-content: center;
}

/* Vertical anchor: right third, full hero height */
.hero-anchor {
  position: absolute; top: 0; bottom: 0; right: 0; z-index: 0;
  width: clamp(340px, 36vw, 500px);
  pointer-events: none; will-change: transform;
}
.hero-anchor__art { position: absolute; inset: 0; width: 100%; height: 100%; }
.hero-anchor__label {
  position: absolute; right: clamp(16px, 3vw, 40px); bottom: 26px;
  font-size: 0.68rem; font-weight: 700; letter-spacing: 0.18em;
  text-transform: uppercase; color: var(--navy-500); opacity: 0.75;
}

/* Editorial grid: oversized left headline, form offset lower-right so the
   raised card overlaps the anchor's base (asymmetry, not a symmetric split) */
.hero-editorial {
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(360px, 0.72fr);
  gap: clamp(24px, 4vw, 60px);
  align-items: start;
  padding-block: clamp(52px, 8vh, 104px) clamp(84px, 12vh, 132px);
}
.hero-editorial__copy { max-width: 660px; }

.hero-title {
  font-size: clamp(2.4rem, 4.7vw, 4rem);
  font-weight: 800; line-height: 1.07; letter-spacing: -0.022em;
  margin-bottom: 18px; max-width: 15ch;
}
.hero-title__accent {
  color: var(--accent);
  text-decoration: underline;
  text-decoration-color: rgba(193, 59, 42, 0.32);
  text-decoration-thickness: 6px;
  text-underline-offset: 9px;
}
.hero-sub { font-size: clamp(1.02rem, 1.35vw, 1.14rem); color: var(--muted); max-width: 34em; }

.hero-meta { margin: 24px 0 8px; }
.flag-line { display: inline-flex; align-items: center; gap: 10px; font-size: 0.95rem; font-weight: 600; color: var(--text); }
.flag-chip {
  display: inline-flex; align-items: center; justify-content: center;
  width: 30px; height: 21px; border-radius: 4px; overflow: hidden;
  color: #C8102E; background: #fff;
  box-shadow: 0 0 0 1px var(--border);
  flex: none;
}
.flag-chip .icon { width: 26px; height: 19px; stroke-width: 0; }

.trust-links { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 18px; }
.trust-link {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 10px 16px; border-radius: 999px;
  background: var(--surface); border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  font-size: 0.9rem; font-weight: 650; color: var(--text);
  transition: transform 160ms var(--ease), box-shadow 160ms var(--ease), border-color 160ms var(--ease);
}
.trust-link:hover {
  text-decoration: none; color: var(--text); transform: translateY(-2px);
  box-shadow: var(--shadow-md); border-color: var(--accent);
}
.trust-link .icon { color: var(--accent); }

/* Form card: offset lower-right, overlapping the anchor base */
.hero-form-offset {
  position: relative; z-index: 2;
  margin-top: clamp(64px, 13vh, 168px);
  margin-right: calc(-1 * clamp(8px, 2vw, 30px));
  max-width: 460px;
  justify-self: end;
}
.hero-form-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: 0 2px 6px rgba(22, 34, 47, 0.08), 0 24px 56px rgba(22, 34, 47, 0.16);
  padding: clamp(18px, 2.4vw, 26px);
}
.hero-form-title { font-size: 1.08rem; font-weight: 750; margin-bottom: 4px; letter-spacing: 0; }
.hero-form-note {
  display: flex; align-items: center; gap: 8px;
  margin: 12px 0 0; font-size: 0.86rem; color: var(--muted);
}
.hero-form-note .icon { color: var(--accent); }
.hero-form-pledge {
  display: flex; flex-wrap: wrap; gap: 6px 16px;
  list-style: none; margin: 12px 4px 0; padding: 0;
  font-size: 0.8rem; font-weight: 650; color: var(--muted);
}
.hero-form-pledge li { display: inline-flex; align-items: center; gap: 6px; margin: 0; }
.hero-form-pledge .icon { color: var(--ok); }

/* ---- Inner page hero ----------------------------------------------------- */
.page-hero {
  position: relative; overflow: hidden;
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='320' height='120' viewBox='0 0 320 120'%3E%3Cg fill='none' stroke='%2324425E' stroke-opacity='0.08'%3E%3Cpath d='M0 84h42l18-34 22 52 26-70 20 52h40'/%3E%3Ccircle cx='128' cy='32' r='6'/%3E%3C/g%3E%3C/svg%3E"),
    radial-gradient(880px 420px at 88% 0%, rgba(193, 59, 42, 0.055), transparent 60%),
    linear-gradient(180deg, #EDF2F7, var(--bg));
  border-bottom: 1px solid var(--border);
}
.page-hero__inner {
  display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(330px, 0.9fr);
  gap: clamp(26px, 4vw, 56px); align-items: center;
  padding-block: clamp(38px, 5vw, 66px) clamp(92px, 10vw, 120px);
}
.page-hero--plain .page-hero__inner { grid-template-columns: 1fr; padding-bottom: clamp(48px, 6vw, 76px); }
.page-hero__lead { color: var(--muted); font-size: 1.06rem; max-width: 38em; }
.page-hero__meta { display: flex; flex-wrap: wrap; gap: 12px 22px; margin-top: 16px; }
.page-hero__skyline {
  position: absolute; left: 0; right: 0; bottom: -2px; width: 100%; height: auto;
  color: var(--navy-900); opacity: 0.9; display: block;
}
.page-hero__skyline--slim { height: 74px; }

/* ---- Cards / icon badges -------------------------------------------------- */
.card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-sm);
  padding: clamp(20px, 2.4vw, 28px);
  transition: transform 180ms var(--ease), box-shadow 180ms var(--ease), border-color 180ms var(--ease);
  height: 100%;
}
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); border-color: var(--border-strong); }
.card h2, .card h3 { margin-bottom: 8px; }
/* promoted risk-card headings keep the card h3 scale (cta-band h2 is not a .card descendant) */
.card h2 { font-size: 1.18rem; }
.card p:last-child { margin-bottom: 0; }
.card__text { color: var(--muted); font-size: 0.96rem; }

.card-link { display: block; color: inherit; }
.card-link:hover { text-decoration: none; }
.card-link h3 .icon { color: var(--accent); }

.icon-badge {
  display: inline-flex; align-items: center; justify-content: center;
  width: 50px; height: 50px; border-radius: 13px;
  background: var(--accent-tint); color: var(--accent);
  margin-bottom: 14px; flex: none;
}
.icon-badge .icon { width: 25px; height: 25px; }
.icon-badge--navy { background: #E3EBF3; color: var(--navy-700); }
.icon-badge--ok { background: var(--ok-tint); color: var(--ok); }

.card-grid { display: grid; gap: 20px; }
.card-grid--2 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.card-grid--3 { grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); }
.card-grid--4 { grid-template-columns: repeat(auto-fit, minmax(225px, 1fr)); }

/* staggered 2-col split for advantage blocks */
.split-grid {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 20px 24px;
}
.split-grid .card:nth-child(even) { transform: translateY(14px); }
.split-grid .card:hover { transform: translateY(11px); }
.split-grid .card:nth-child(even):hover { transform: translateY(11px); }

/* ---- Steps --------------------------------------------------------------- */
.steps-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 22px; counter-reset: step; }
.step { position: relative; padding-top: 6px; }
.step__num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 34px; height: 34px; border-radius: 50%;
  background: var(--accent); color: #fff; font-weight: 750; font-size: 0.95rem;
  box-shadow: 0 0 0 5px var(--accent-tint);
  margin-bottom: 14px;
}
.step__num--navy { background: var(--navy-700); box-shadow: 0 0 0 5px #E3EBF3; }
.step h3 { font-size: 1.06rem; margin-bottom: 6px; }
.step p { color: var(--muted); font-size: 0.95rem; margin-bottom: 0; }
.step__rule { display: flex; flex-direction: column; gap: 4px; }

/* ---- Tables ---------------------------------------------------------------- */
.table-wrap {
  overflow-x: auto; border: 1px solid var(--border);
  border-radius: var(--radius); background: var(--surface);
  box-shadow: var(--shadow-sm); -webkit-overflow-scrolling: touch;
}
.table-wrap table { width: 100%; border-collapse: collapse; font-size: 0.94rem; min-width: 560px; }
.table-wrap th, .table-wrap td {
  text-align: left; padding: 13px 16px; vertical-align: top;
  border-bottom: 1px solid var(--border);
}
.table-wrap thead th {
  background: var(--surface-2); font-weight: 700; font-size: 0.86rem;
  text-transform: uppercase; letter-spacing: 0.05em; color: var(--navy-700);
  border-bottom: 1px solid var(--border-strong);
}
.table-wrap tbody tr:nth-child(even) { background: #F8FAFC; }
.table-wrap tbody tr:last-child td { border-bottom: 0; }
.table-wrap td ul { margin: 0; }

.tick { display: inline-flex; align-items: center; justify-content: center; width: 24px; height: 24px; border-radius: 50%; font-weight: 800; }
.tick--yes { background: var(--ok-tint); color: var(--ok); }
.tick--no { background: var(--no-tint); color: var(--no); }

.compare-col { min-width: 130px; text-align: center !important; }
.compare-offer { color: var(--accent); font-weight: 750; }
.compare-table th:first-child, .compare-table td:first-child { font-weight: 600; }

/* ---- Exchange marks block ---------------------------------------------------- */
.exchange-band { padding-block: clamp(38px, 5vw, 56px); background: var(--surface); border-bottom: 1px solid var(--border); }
.exchange-band__title { text-align: center; font-size: 0.82rem; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--muted); margin-bottom: 22px; }
.exchange-row {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 14px;
}
.exchange-chip {
  display: inline-flex; align-items: center; gap: 11px;
  padding: 11px 20px; border-radius: 999px;
  background: var(--bg); border: 1px solid var(--border);
  color: var(--navy-700); font-weight: 700; font-size: 0.94rem;
  box-shadow: var(--shadow-sm);
  transition: transform 160ms var(--ease), box-shadow 160ms var(--ease), color 160ms var(--ease);
}
.exchange-chip:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); color: var(--text); }
.exchange-mark { width: 21px; height: 21px; }

/* ---- Reviews ------------------------------------------------------------------ */
.review-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 20px; }
/* Desktop: exactly three cards per row (stacks below 1024px). */
@media (min-width: 1024px) {
  .review-grid { grid-template-columns: repeat(3, 1fr); }
}
.review-card { display: flex; flex-direction: column; gap: 12px; }
.review-card__head { display: flex; align-items: center; gap: 13px; }
.review-photo {
  width: 64px; height: 64px; border-radius: 50%; object-fit: cover;
  border: 2px solid var(--surface); box-shadow: 0 0 0 1.5px var(--border-strong);
  flex: none; background: var(--surface-2);
}
.review-card__name { font-weight: 750; margin: 0; font-size: 1rem; }
.review-card__role { color: var(--muted); font-size: 0.86rem; margin: 0; }
.review-card__stats { display: flex; flex-wrap: wrap; gap: 8px; }
.stat-pill {
  display: inline-flex; flex-direction: column; gap: 1px;
  background: var(--surface-2); border-radius: var(--radius-sm);
  padding: 7px 12px; font-size: 0.74rem; color: var(--muted); font-weight: 600;
  letter-spacing: 0.02em; text-transform: uppercase;
}
.stat-pill b { font-size: 0.98rem; color: var(--text); letter-spacing: 0; text-transform: none; font-variant-numeric: tabular-nums; }
.stat-pill--up b { color: var(--ok); }
.review-card__text { font-size: 0.95rem; color: var(--text); margin: 0; }
.reviews-note { text-align: center; color: var(--muted); font-size: 0.85rem; margin: 26px 0 0; }

/* ---- Form block ------------------------------------------------------------------ */
.form-block {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); box-shadow: var(--shadow-md);
  padding: clamp(18px, 2.4vw, 28px);
}
.form-block__intro { font-size: 0.94rem; color: var(--muted); margin-bottom: 14px; }
.form-legal { font-size: 0.8rem; color: var(--muted); margin: 12px 0 0; text-align: center; }
.form-legal a { text-decoration: underline; }

/* ---- FAQ ------------------------------------------------------------------ */
.faq-list { display: grid; gap: 12px; 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 {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding: 16px 20px; cursor: pointer; font-weight: 650; list-style: none;
  transition: background 150ms var(--ease);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { background: var(--surface-2); }
.faq-item summary .icon { color: var(--accent); transition: transform 160ms var(--ease); flex: none; }
.faq-item[open] summary .icon { transform: rotate(180deg); }
.faq-item__body { padding: 0 20px 18px; color: var(--muted); }
.faq-item__body a { text-decoration: underline; }

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

/* ---- Facts / timeline -------------------------------------------------------- */
.facts-list { display: grid; gap: 14px; list-style: none; margin: 0 0 26px; padding: 0; }
.facts-list li { display: flex; gap: 12px; align-items: flex-start; margin: 0; }
.facts-list .icon { color: var(--accent); margin-top: 2px; }
.facts-list span { color: var(--text); }

.timeline { position: relative; margin: 0; padding: 6px 0 0; list-style: none; }
.timeline::before {
  content: ""; position: absolute; left: 7px; top: 10px; bottom: 10px;
  width: 2px; background: linear-gradient(180deg, var(--accent), var(--navy-500));
  border-radius: 2px;
}
.timeline li { position: relative; padding: 0 0 26px 36px; margin: 0; }
.timeline li::before {
  content: ""; position: absolute; left: 0; top: 5px;
  width: 16px; height: 16px; border-radius: 50%;
  background: var(--surface); border: 3px solid var(--accent);
}
.timeline h3 { margin-bottom: 4px; font-size: 1.02rem; }
.timeline p { margin: 0; color: var(--muted); font-size: 0.95rem; }

/* ---- Career vacancies ------------------------------------------------------------ */
.vacancy {
  display: flex; flex-wrap: wrap; gap: 18px; align-items: flex-start; justify-content: space-between;
}
.vacancy__title { margin-bottom: 2px; }
.vacancy__tags { display: flex; flex-wrap: wrap; gap: 8px; margin: 8px 0 12px; }
.tag {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 0.78rem; font-weight: 650; color: var(--navy-700);
  background: #E3EBF3; border-radius: 999px; padding: 5px 12px;
}
.tag .icon { width: 13px; height: 13px; }
.vacancy__text { flex: 1 1 340px; color: var(--muted); font-size: 0.95rem; }
.vacancy__text ul { margin-top: 8px; }

/* ---- Calculator section ------------------------------------------------------------ */
.calc-section .container { max-width: 980px; }

/* ---- Security note ------------------------------------------------------------------ */
.callout {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--accent-tint); border: 1px solid #F0D4CC;
  border-radius: var(--radius); padding: 18px 20px;
  color: var(--text); font-size: 0.96rem;
}
.callout .icon { color: var(--accent); margin-top: 2px; }
.callout--navy { background: #E3EBF3; border-color: #CBDAE8; }
.callout--navy .icon { color: var(--navy-700); }
.callout p { margin: 0; }

/* ---- Numbered doc points --------------------------------------------------------------- */
.doc-grid { display: grid; gap: 18px; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.doc-point { display: flex; gap: 14px; }
.doc-point__num {
  flex: none; display: inline-flex; align-items: center; justify-content: center;
  width: 30px; height: 30px; border-radius: 50%;
  background: var(--surface-2); color: var(--accent);
  font-weight: 800; font-size: 0.88rem; border: 1px solid var(--border);
}
.doc-point h2, .doc-point h3 { font-size: 1.03rem; margin-bottom: 5px; line-height: 1.3; }
.doc-point p { color: var(--muted); font-size: 0.94rem; margin: 0; }

/* ---- Article entries -------------------------------------------------------------------- */
.article-entry { border-top: 1px solid var(--border); padding-top: 30px; margin-top: 30px; }
.article-entry:first-of-type { border-top: 0; padding-top: 0; margin-top: 0; }
.article-entry h2 { margin-bottom: 8px; }
.article-entry .read-note { color: var(--muted); font-size: 0.9rem; }

/* ---- CTA band ------------------------------------------------------------------------------ */
.cta-band {
  background:
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='220' height='120' viewBox='0 0 220 120'%3E%3Cg fill='none' stroke='%23ffffff' stroke-opacity='0.14' stroke-width='1.6'%3E%3Cpath d='M0 92h36l16-32 18 44 22-58 16 46h44'/%3E%3Ccircle cx='116' cy='46' r='8'/%3E%3C/g%3E%3C/svg%3E"),
    linear-gradient(120deg, var(--navy-700), var(--navy-900));
  border-radius: var(--radius-lg); color: #fff;
  padding: clamp(30px, 4.5vw, 54px);
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 22px; box-shadow: var(--shadow-lg);
}
.cta-band h2 { color: #fff; margin-bottom: 8px; }
.cta-band p { color: #C9D6E2; margin: 0; max-width: 34em; }

/* ---- Special offer page ------------------------------------------------------------------------ */
.urgency-strip {
  background: linear-gradient(90deg, var(--accent), #A22F20);
  color: #fff; font-size: 0.9rem; font-weight: 600;
  border-bottom: 1px solid rgba(255, 255, 255, 0.16);
}
.urgency-strip__inner {
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px 26px;
  padding-block: 9px;
}
.urgency-strip__item { display: inline-flex; align-items: center; gap: 6px; }
.urgency-strip__num {
  display: inline-flex; align-items: center; justify-content: center;
  min-width: 26px; height: 26px; padding: 0 7px; border-radius: 7px;
  background: rgba(255, 255, 255, 0.18); font-weight: 800; font-variant-numeric: tabular-nums;
}

.offer-hero { position: relative; overflow: hidden; background: linear-gradient(180deg, #FDF1EE, var(--bg)); border-bottom: 1px solid var(--border); }
.offer-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--accent); color: #fff; font-size: 0.8rem; font-weight: 750;
  letter-spacing: 0.08em; text-transform: uppercase;
  padding: 8px 16px; border-radius: 999px; margin-bottom: 16px;
  box-shadow: var(--shadow-sm);
}
.offer-countdown { display: flex; align-items: center; gap: 8px; margin: 18px 0 4px; }
.offer-countdown__label { font-size: 0.86rem; font-weight: 700; color: var(--accent); letter-spacing: 0.06em; text-transform: uppercase; }

.count-seg {
  display: inline-flex; align-items: center; justify-content: center;
  min-width: 52px; padding: 9px 8px; border-radius: 10px;
  background: var(--navy-900); color: #fff;
  font-size: 1.35rem; font-weight: 800; font-variant-numeric: tabular-nums;
  box-shadow: var(--shadow-sm); letter-spacing: 0.04em;
}
.count-sep { font-weight: 800; color: var(--navy-900); font-size: 1.2rem; }

/* exit-intent modal */
.exit-modal {
  position: fixed; inset: 0; z-index: 400;
  display: none; align-items: center; justify-content: center;
  padding: 22px;
}
.exit-modal.is-open { display: flex; }
.exit-modal__overlay {
  position: absolute; inset: 0;
  background: rgba(22, 34, 47, 0.62);
  backdrop-filter: blur(3px);
}
.exit-modal__card {
  position: relative; z-index: 1;
  width: 100%; max-width: 560px;
  background: var(--surface); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: clamp(22px, 3vw, 34px);
  text-align: center;
  animation: modal-in 220ms var(--ease);
}
@keyframes modal-in {
  from { opacity: 0; transform: translateY(14px) scale(0.985); }
  to   { opacity: 1; transform: none; }
}
.exit-modal__close {
  position: absolute; top: 12px; right: 12px;
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--surface-2); border: 0; color: var(--text);
  font-size: 1.25rem; line-height: 1; cursor: pointer;
  transition: background 150ms var(--ease);
}
.exit-modal__close:hover { background: var(--accent-tint); }
.exit-modal__art { margin: 6px auto 16px; max-width: 300px; display: block; }
.exit-modal__title { font-size: 1.5rem; margin-bottom: 10px; }
.exit-modal__text { color: var(--muted); }
.exit-modal .offer-countdown { justify-content: center; margin-block: 16px 20px; }

/* ---- 404 ------------------------------------------------------------------------------------- */
.error-page { text-align: center; }
.error-page__code {
  font-size: clamp(5rem, 14vw, 9rem); font-weight: 800; line-height: 1;
  color: var(--accent); letter-spacing: -0.04em; margin-bottom: 6px;
}
.error-page__actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 26px; }
.error-page__next { font-size: 1.15rem; margin-top: 26px; }

/* ---- Footer ------------------------------------------------------------------------------------- */
.site-footer {
  background: var(--navy-900); color: #B9C6D4;
  padding-block: clamp(44px, 6vw, 72px) 26px;
  margin-top: clamp(56px, 7vw, 90px);
}
.footer-grid {
  display: grid; gap: 34px 40px;
  grid-template-columns: minmax(260px, 1.2fr) repeat(4, minmax(150px, 0.8fr));
}
.footer-brand__text { margin: 16px 0 18px; font-size: 0.92rem; line-height: 1.65; }
.footer-facts { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; font-size: 0.9rem; }
.footer-facts li { display: flex; gap: 10px; align-items: flex-start; margin: 0; }
.footer-facts .icon { color: var(--accent); margin-top: 3px; }
.footer-facts a { color: #E7EDF3; }
.footer-facts a:hover { color: #fff; }
.footer-col__title {
  color: #fff; font-size: 0.86rem; font-weight: 750;
  text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 14px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.footer-col a { color: #B9C6D4; font-size: 0.9rem; }
.footer-col a:hover { color: #fff; text-decoration: none; }

.footer-disclaimer {
  margin-top: 40px; padding-top: 26px; border-top: 1px solid rgba(185, 198, 212, 0.22);
  font-size: 0.82rem; line-height: 1.65; color: #93A3B4;
}
.footer-disclaimer__title { color: #E7EDF3; font-size: 0.86rem; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 8px; }
.footer-disclaimer p { margin: 0; }

.footer-bottom {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 10px 20px; margin-top: 26px; padding-top: 18px;
  border-top: 1px solid rgba(185, 198, 212, 0.22);
  font-size: 0.83rem;
}
.footer-bottom p { margin: 0; }
.footer-bottom__links { list-style: none; display: flex; flex-wrap: wrap; gap: 6px 18px; margin: 0; padding: 0; }
.footer-bottom__links a { color: #B9C6D4; }
.footer-bottom__links a:hover { color: #fff; }

/* ---- Scroll reveal ------------------------------------------------------------------------------ */
.reveal { opacity: 0; transform: translateY(8px); }
.reveal.is-visible { opacity: 1; transform: none; transition: opacity 480ms var(--ease), transform 480ms var(--ease); }

/* ---- Responsive ---------------------------------------------------------------------------------- */
@media (max-width: 1080px) {
  .footer-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-brand { grid-column: 1 / -1; }
}

/* Tablet/mobile: the anchor becomes a quiet background layer and the
   editorial stacks — headline first, then the form (CA checklist order),
   then the remaining copy. No horizontal overflow at any width. */
@media (max-width: 1023px) {
  .hero--v2 { min-height: 0; }
  .hero-anchor {
    width: min(78vw, 460px); right: -14%;
    opacity: 0.42; top: auto; bottom: 0; height: 62%;
  }
  .hero-anchor__label { display: none; }
  .hero--v2 .container { justify-content: flex-start; }
  .hero-editorial {
    grid-template-columns: 1fr; gap: 0;
    padding-block: clamp(40px, 7vw, 64px) clamp(200px, 30vw, 260px);
    display: flex; flex-direction: column;
  }
  .hero-title { order: 1; }
  .hero-form-offset {
    order: 2; margin: 26px 0 0; margin-right: 0;
    max-width: 560px; justify-self: stretch;
  }
  .hero-sub { order: 3; margin-top: 26px; }
  .hero-meta { order: 4; margin-top: 18px; }
  .trust-links { order: 5; }
  .page-hero__inner { grid-template-columns: 1fr; padding-bottom: clamp(96px, 14vw, 130px); }
}

@media (max-width: 960px) {
  .site-nav { display: none; }
  .header-cta { margin-left: auto; }
  .nav-toggle { display: inline-flex; margin-left: 6px; }
}

@media (max-width: 620px) {
  /* two-word brand + CTA + burger exceed the viewport below this width;
     the CTA stays available as the first item of the mobile menu */
  .header-cta { display: none; }
  .nav-toggle { margin-left: auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-editorial { padding-bottom: clamp(230px, 46vw, 300px); }
  .hero-anchor { width: 118vw; right: -26%; height: 52%; opacity: 0.3; }
  .hero-title { font-size: clamp(2.05rem, 8.4vw, 2.6rem); }
  .hero-form-pledge { gap: 5px 12px; }
  .exchange-row { gap: 10px; }
  .exchange-chip { padding: 9px 15px; font-size: 0.88rem; gap: 8px; }
  .cta-band { flex-direction: column; align-items: flex-start; }
  .count-seg { min-width: 46px; font-size: 1.15rem; }
  .urgency-strip__inner { justify-content: flex-start; }
}

@media (max-width: 400px) {
  .footer-grid { grid-template-columns: 1fr; }
  .btn { font-size: 0.92rem; }
}

/* ---- International telephone input (formFactory intl-tel-input) ------------------
   Mandatory kit rule: dropdown rows sit on the light surface, so names and
   dial codes render #000. The verbatim rule below also forces #fff on the
   SELECTED dial code; our forms render that element on the light input
   surface (.iti--show-selected-dial-code .iti__selected-country uses a 5%
   ink tint over the white input), where #fff would be invisible — the
   scoped override restores AA ink there. Readability-only adjustment. */
.iti__country-name,
.iti__dial-code { color: #000 !important; }
.iti__selected-dial-code { color: #fff !important; }
.iti--show-selected-dial-code .iti__selected-country .iti__selected-dial-code { color: #1D2B3A !important; }

/* ---- Reduced motion ------------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  .reveal { opacity: 1; transform: none; }
  .hero-anchor { transform: none !important; }
}