/* Kashir Mansoor Insurance — stylesheet
   Layout concept: dark "vault" bands (header, hero, CTAs, footer) frame calm, light reading sections;
   gold is reserved for credentials, calls to action and the KM monogram. */
@font-face { font-family: "Fraunces"; font-style: normal; font-weight: 500 700; font-display: swap; src: url("fonts/fraunces-600.woff2") format("woff2"); }
@font-face { font-family: "Instrument Sans"; font-style: normal; font-weight: 400 500; font-display: swap; src: url("fonts/instrument-sans-regular.woff") format("woff"); }
@font-face { font-family: "Instrument Sans"; font-style: normal; font-weight: 600 800; font-display: swap; src: url("fonts/instrument-sans-bold.woff") format("woff"); }
:root {
  --ink: #0d0f12;          /* deepest background */
  --charcoal: #16191e;     /* dark surfaces */
  --slate: #22262d;        /* raised dark surfaces */
  --line-dark: #2e333b;    /* dividers on dark */
  --gold: #c9a55c;         /* accent on dark */
  --gold-soft: #e4c98f;    /* hover / highlights on dark */
  --gold-deep: #8a6a2b;    /* accent text on light (AA contrast) */
  --paper: #f6f5f1;        /* light section background */
  --white: #ffffff;
  --text: #1b1e23;         /* body text on light */
  --muted: #555b64;        /* secondary text on light */
  --line: #e2dfd7;         /* dividers on light */
  --on-dark: #f3f1ec;      /* text on dark */
  --on-dark-muted: #a8adb6;
  --success: #2f7d4f;
  --error: #b3261e;

  --f-display: "Fraunces", "Iowan Old Style", "Palatino Linotype", Georgia, serif;
  --f-body: "Instrument Sans", "Segoe UI", system-ui, -apple-system, Roboto, Arial, sans-serif;

  --step--1: clamp(0.84rem, 0.82rem + 0.1vw, 0.9rem);
  --step-0: clamp(1rem, 0.97rem + 0.15vw, 1.08rem);
  --step-1: clamp(1.18rem, 1.1rem + 0.35vw, 1.35rem);
  --step-2: clamp(1.4rem, 1.25rem + 0.7vw, 1.8rem);
  --step-3: clamp(1.75rem, 1.45rem + 1.4vw, 2.5rem);
  --step-4: clamp(2.1rem, 1.6rem + 2.4vw, 3.5rem);

  --radius: 14px;
  --radius-sm: 8px;
  --wrap: 1180px;
  --gutter: clamp(16px, 4vw, 32px);
  --shadow: 0 1px 2px rgba(13, 15, 18, .06), 0 8px 24px rgba(13, 15, 18, .06);
  color-scheme: light;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; background: var(--paper); color: var(--text);
  font-family: var(--f-body); font-size: var(--step-0); line-height: 1.65;
  text-rendering: optimizeLegibility; -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; }
a { color: var(--gold-deep); text-underline-offset: 3px; }
a:hover { color: var(--text); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; border-radius: 4px; }
.ic { width: 1.25em; height: 1.25em; flex: none; vertical-align: -0.2em; }

h1, h2, h3, h4 { font-family: var(--f-display); font-weight: 600; line-height: 1.15; letter-spacing: -0.01em; text-wrap: balance; margin: 0 0 .5em; color: inherit; }
h1 { font-size: var(--step-4); }
h2 { font-size: var(--step-3); }
h3 { font-size: var(--step-1); font-family: var(--f-body); font-weight: 700; letter-spacing: 0; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.2em; }
.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: var(--gutter); }
.narrow { max-width: 760px; }
.eyebrow { font-size: var(--step--1); font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-deep); margin-bottom: .9rem; display: inline-flex; gap: .5rem; align-items: center; }
.dark .eyebrow { color: var(--gold); }
.lede { font-size: var(--step-1); color: var(--muted); max-width: 62ch; }
.dark .lede { color: var(--on-dark-muted); }
.muted { color: var(--muted); }
.small { font-size: var(--step--1); }
.skip { position: absolute; left: -9999px; top: 0; background: var(--gold); color: var(--ink); padding: .6rem 1rem; z-index: 100; font-weight: 700; }
.skip:focus { left: 1rem; top: 1rem; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ── Dark bands ─────────────────────────── */
.dark { background: var(--ink); color: var(--on-dark); }
.dark a:not(.btn) { color: var(--gold-soft); }
.dark a:not(.btn):hover { color: var(--white); }

/* ── Buttons ─────────────────────────── */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .55rem; padding: .85rem 1.35rem; border-radius: 999px; font-weight: 700; font-size: .98rem; line-height: 1.2; text-decoration: none; border: 1.5px solid transparent; cursor: pointer; transition: background-color .2s, color .2s, border-color .2s, transform .2s; font-family: var(--f-body); white-space: nowrap; }
.btn:active { transform: translateY(1px); }
.btn-gold { background: var(--gold); color: var(--ink); }
.btn-gold:hover { background: var(--gold-soft); color: var(--ink); }
.btn-ghost { border-color: rgba(228, 201, 143, .55); color: var(--on-dark); background: transparent; }
.btn-ghost:hover { border-color: var(--gold-soft); color: var(--white); background: rgba(201, 165, 92, .08); }
.btn-dark { background: var(--ink); color: var(--white); }
.btn-dark:hover { background: var(--slate); color: var(--white); }
.btn-outline { border-color: var(--text); color: var(--text); background: transparent; }
.btn-outline:hover { background: var(--text); color: var(--white); }
.btn-row { display: flex; flex-wrap: wrap; gap: .75rem; }

/* ── Header ─────────────────────────── */
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50; background: rgba(13, 15, 18, .96); backdrop-filter: saturate(140%) blur(8px); border-bottom: 1px solid var(--line-dark); color: var(--on-dark); }
.header-row { display: flex; align-items: center; gap: 1rem; min-height: 70px; }
.brand { display: inline-flex; align-items: center; gap: .7rem; color: var(--on-dark); text-decoration: none; margin-right: auto; }
.brand:hover { color: var(--white); }
.monogram { display: inline-grid; place-items: center; width: 42px; height: 42px; border: 1.5px solid var(--gold); border-radius: 10px; font-family: var(--f-display); font-weight: 600; font-size: 1.05rem; letter-spacing: .04em; color: var(--gold); background: linear-gradient(145deg, rgba(201, 165, 92, .14), rgba(201, 165, 92, 0)); flex: none; }
.brand-text { display: grid; line-height: 1.15; }
.brand-name { font-family: var(--f-display); font-weight: 600; font-size: 1.12rem; }
.brand-sub { font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: var(--on-dark-muted); }
.nav { display: none; }
.nav-list { list-style: none; margin: 0; padding: 0; display: flex; gap: .2rem; align-items: center; }
.nav-item { position: relative; }
.nav-link { white-space: nowrap; display: inline-flex; align-items: center; gap: .3rem; padding: .55rem .7rem; color: var(--on-dark); text-decoration: none; font-weight: 600; font-size: .94rem; border-radius: 8px; background: none; border: 0; cursor: pointer; font-family: inherit; }
.nav-link:hover, .nav-link[aria-current="page"] { color: var(--gold-soft); }
.nav-link .ic { width: 1em; height: 1em; transition: transform .2s; }
.dropdown { position: absolute; top: calc(100% + 6px); left: -8px; width: min(560px, calc(100vw - 32px)); max-height: calc(100vh - 100px); max-height: calc(100dvh - 100px); overflow-y: auto; overscroll-behavior: contain; background: var(--charcoal); border: 1px solid var(--line-dark); border-radius: var(--radius); padding: .5rem; box-shadow: 0 18px 40px rgba(0, 0, 0, .45); display: none; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .1rem .25rem; }
.dropdown::before { content: ""; position: absolute; left: 0; right: 0; top: -12px; height: 12px; } /* hover bridge so the menu doesn't close on the way down */
.nav-item::after { content: ""; position: absolute; left: 0; right: 0; top: 100%; height: 10px; }
.dropdown a { display: flex; align-items: center; gap: .65rem; padding: .55rem .7rem; color: var(--on-dark); text-decoration: none; border-radius: 8px; font-size: .93rem; font-weight: 500; }
.dropdown a .ic { color: var(--gold); }
.dropdown a:hover { background: var(--slate); color: var(--white); }
.dropdown .dd-all { grid-column: 1 / -1; border-top: 1px solid var(--line-dark); margin-top: .35rem; padding-top: .7rem; color: var(--gold-soft); font-weight: 700; }
.nav-item:hover .dropdown, .nav-item:focus-within .dropdown { display: grid; }
.header-cta { display: none; gap: .6rem; align-items: center; }
.header-phone { white-space: nowrap; color: var(--on-dark); text-decoration: none; font-weight: 700; display: inline-flex; gap: .45rem; align-items: center; }
.header-phone .ic { color: var(--gold); }
.header-phone:hover { color: var(--gold-soft); }
.menu-btn { display: inline-flex; align-items: center; gap: .4rem; background: none; border: 1px solid var(--line-dark); color: var(--on-dark); border-radius: 10px; padding: .55rem .75rem; font: 600 .9rem var(--f-body); cursor: pointer; }
.mobile-nav { border-top: 1px solid var(--line-dark); padding-block: .5rem 1.25rem; max-height: calc(100vh - 70px); max-height: calc(100dvh - 70px - env(safe-area-inset-top, 0px)); overflow-y: auto; overscroll-behavior: contain; -webkit-overflow-scrolling: touch; }
.mobile-nav details { border-bottom: 1px solid var(--line-dark); }
.mobile-nav summary, .mobile-nav > a { display: flex; justify-content: space-between; align-items: center; padding: .9rem 0; font-weight: 700; color: var(--on-dark); text-decoration: none; cursor: pointer; list-style: none; }
.mobile-nav summary::-webkit-details-marker { display: none; }
.mobile-nav > a { border-bottom: 1px solid var(--line-dark); }
.mobile-nav details a { display: flex; gap: .6rem; align-items: center; padding: .55rem 0 .55rem .25rem; color: var(--on-dark-muted); text-decoration: none; }
.mobile-nav details a .ic { color: var(--gold); }
.mobile-nav details[open] summary .ic { transform: rotate(180deg); }
.mobile-nav .btn-row { margin-top: 1rem; }
.mobile-nav .btn-row .btn { flex: 1 1 140px; }
@media (min-width: 1080px) and (max-width: 1239px) { .header-phone .num { display: none; } }
@media (min-width: 1080px) {
  .nav { display: block; }
  .header-cta { display: flex; }
  .menu-btn, .mobile-nav { display: none !important; }
}

/* ── Hero ─────────────────────────── */
.hero { position: relative; overflow: hidden; padding-block: clamp(3rem, 7vw, 6rem); }
.hero::before { /* guilloché-style engraving, like the border of a policy certificate */
  content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .5;
  background:
    radial-gradient(1200px 520px at 85% -10%, rgba(201, 165, 92, .16), transparent 60%),
    repeating-radial-gradient(circle at 110% 120%, transparent 0 22px, rgba(201, 165, 92, .07) 22px 23px);
}
.hero > .wrap { position: relative; }
.hero-grid { display: grid; gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.hero-grid > * { min-width: 0; }
@media (min-width: 960px) { .hero-grid { grid-template-columns: 1.15fr .85fr; } }
.hero h1 { color: var(--white); margin-bottom: 1rem; }
.hero h1 em { font-style: normal; color: var(--gold-soft); }
.hero .who { font-family: var(--f-display); font-size: var(--step-2); color: var(--gold-soft); margin-bottom: .4rem; }
.cred-line { display: flex; flex-wrap: wrap; gap: .5rem; margin: 1.25rem 0 1.75rem; padding: 0; list-style: none; }
.cred-line li { display: inline-flex; align-items: center; gap: .4rem; font-size: .86rem; font-weight: 600; padding: .38rem .75rem; border: 1px solid var(--line-dark); border-radius: 999px; color: var(--on-dark); background: rgba(255, 255, 255, .03); }
.cred-line .ic { color: var(--gold); width: 1.05em; height: 1.05em; }
.hero-note { margin-top: 1.25rem; font-size: .9rem; color: var(--on-dark-muted); display: flex; gap: .5rem; align-items: center; flex-wrap: wrap; }
.stars { color: var(--gold); letter-spacing: .1em; }

/* Declarations card (hero) */
.declare { background: linear-gradient(180deg, var(--charcoal), #12151a); border: 1px solid var(--line-dark); border-radius: 18px; padding: clamp(1.25rem, 3vw, 1.75rem); box-shadow: 0 30px 60px rgba(0, 0, 0, .35); }
.declare-head { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; border-bottom: 1px dashed var(--line-dark); padding-bottom: .9rem; margin-bottom: .6rem; }
.declare-head h2 { font-size: var(--step-1); margin: 0; color: var(--white); }
.declare-head span { white-space: nowrap; font-size: .72rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); }
.declare dl { margin: 0; display: grid; }
.declare dl div { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 1rem; padding: .72rem 0; border-bottom: 1px solid var(--line-dark); font-size: .93rem; }
.declare dt { color: var(--on-dark-muted); }
.declare dd { margin: 0; font-weight: 700; color: var(--on-dark); text-align: right; }
.declare .btn { width: 100%; margin-top: 1.1rem; }
.declare .fine { font-size: .78rem; color: var(--on-dark-muted); margin: .8rem 0 0; }

/* ── Sections ─────────────────────────── */
.section { padding-block: clamp(3rem, 7vw, 5.5rem); }
.section.white { background: var(--white); }
.section-head { max-width: 760px; margin-bottom: clamp(1.75rem, 4vw, 2.75rem); }
.section-head p { color: var(--muted); font-size: var(--step-1); margin: 0; }
.dark .section-head p { color: var(--on-dark-muted); }

/* Trust strip */
.trust { background: var(--charcoal); color: var(--on-dark); border-block: 1px solid var(--line-dark); }
.trust-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); }
.trust-item { display: flex; gap: .85rem; align-items: flex-start; padding: 1.3rem 1rem; border-left: 1px solid var(--line-dark); }
.trust-item:first-child { border-left: 0; }
.trust-item .ic { color: var(--gold); width: 1.6em; height: 1.6em; margin-top: .1rem; }
.trust-item strong { display: block; font-size: .98rem; }
.trust-item span { font-size: .86rem; color: var(--on-dark-muted); }
@media (max-width: 700px) { .trust-item { border-left: 0; border-top: 1px solid var(--line-dark); } .trust-item:first-child { border-top: 0; } }

/* Category panels (home) */
.cat-grid { display: grid; gap: 1.25rem; }
@media (min-width: 900px) { .cat-grid { grid-template-columns: repeat(3, 1fr); } }
.cat { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: clamp(1.4rem, 3vw, 2rem); display: flex; flex-direction: column; min-width: 0; }
.cat h3 { font-family: var(--f-display); font-weight: 600; font-size: var(--step-2); margin-bottom: .35rem; }
.cat > p { color: var(--muted); }
.cat ul { list-style: none; padding: 0; margin: .5rem 0 1.5rem; display: grid; gap: .1rem; }
.cat li a { display: flex; align-items: center; gap: .65rem; padding: .5rem 0; color: var(--text); text-decoration: none; font-weight: 600; border-bottom: 1px solid var(--line); }
.cat li a .ic { color: var(--gold-deep); }
.cat li a:hover { color: var(--gold-deep); }
.cat .btn { margin-top: auto; align-self: flex-start; }

/* Cards */
.cards { display: grid; gap: 1rem; grid-template-columns: repeat(auto-fill, minmax(min(100%, 250px), 1fr)); }
.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.35rem; text-decoration: none; color: var(--text); display: flex; flex-direction: column; gap: .4rem; min-width: 0; transition: border-color .2s, transform .2s, box-shadow .2s; }
a.card:hover { border-color: var(--gold); transform: translateY(-2px); box-shadow: var(--shadow); color: var(--text); }
.card .ic { color: var(--gold-deep); width: 1.7em; height: 1.7em; margin-bottom: .3rem; }
.card h3 { margin: 0; }
.card p { margin: 0; color: var(--muted); font-size: .95rem; }
.card .more { margin-top: auto; padding-top: .6rem; font-weight: 700; color: var(--gold-deep); font-size: .92rem; display: inline-flex; gap: .35rem; align-items: center; }
.dark .card { background: var(--charcoal); border-color: var(--line-dark); color: var(--on-dark); }
.dark .card p { color: var(--on-dark-muted); }
.dark .card .ic, .dark .card .more { color: var(--gold); }

/* Feature list (why work with me) */
.features { display: grid; gap: 1.5rem 2.5rem; grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr)); }
.feature { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 1rem; }
.feature .ic { color: var(--gold); width: 1.6em; height: 1.6em; }
.feature h3 { margin-bottom: .3rem; }
.feature p { margin: 0; color: var(--on-dark-muted); }
.section:not(.dark) .feature p { color: var(--muted); }
.section:not(.dark) .feature .ic { color: var(--gold-deep); }

/* Process steps — a real sequence */
.steps { list-style: none; padding: 0; margin: 0; display: grid; gap: 1rem; grid-template-columns: repeat(auto-fit, minmax(min(100%, 230px), 1fr)); counter-reset: step; }
.steps li { counter-increment: step; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.4rem; }
.steps li::before { content: "Step " counter(step); display: block; font-size: .75rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-deep); margin-bottom: .6rem; }
.steps h3 { margin-bottom: .35rem; }
.steps p { margin: 0; color: var(--muted); font-size: .95rem; }

/* Pills (industries, areas) */
.pills { display: flex; flex-wrap: wrap; gap: .5rem; list-style: none; padding: 0; margin: 0; }
.pills li a, .pills li span { display: inline-flex; gap: .45rem; align-items: center; padding: .5rem .9rem; border: 1px solid var(--line); border-radius: 999px; background: var(--white); color: var(--text); text-decoration: none; font-weight: 600; font-size: .92rem; }
.pills li a .ic, .pills li span .ic { color: var(--gold-deep); width: 1.05em; height: 1.05em; }
.pills li a:hover { border-color: var(--gold); color: var(--gold-deep); }
.dark .pills li a, .dark .pills li span { background: var(--charcoal); border-color: var(--line-dark); color: var(--on-dark); }
.dark .pills li a .ic, .dark .pills li span .ic { color: var(--gold); }

/* Split layout */
.split { display: grid; gap: clamp(2rem, 5vw, 4rem); align-items: start; }
.split > * { min-width: 0; }
@media (min-width: 960px) { .split { grid-template-columns: minmax(0, 1.3fr) minmax(0, .9fr); } .split.even { grid-template-columns: 1fr 1fr; } }
.sticky-col { position: sticky; top: 96px; }

/* FAQ */
.faq { display: grid; gap: .6rem; }
.faq details { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-sm); }
.faq summary { cursor: pointer; padding: 1rem 1.15rem; font-weight: 700; display: flex; justify-content: space-between; gap: 1rem; align-items: center; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .ic { color: var(--gold-deep); transition: transform .2s; }
.faq details[open] summary .ic { transform: rotate(180deg); }
.faq .ans { padding: 0 1.15rem 1.1rem; color: var(--muted); }
.faq .ans p:last-child { margin: 0; }

/* CTA band */
.cta-band { background: var(--ink); color: var(--on-dark); position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 300px at 10% 120%, rgba(201, 165, 92, .18), transparent 70%); pointer-events: none; }
.cta-inner { position: relative; display: grid; gap: 1.5rem; padding-block: clamp(2.75rem, 6vw, 4.5rem); align-items: center; }
@media (min-width: 900px) { .cta-inner { grid-template-columns: 1.2fr auto; } }
.cta-inner h2 { color: var(--white); margin-bottom: .4rem; }
.cta-inner p { color: var(--on-dark-muted); margin: 0; max-width: 60ch; }

/* Contact options */
.contact-options { display: grid; gap: .75rem; grid-template-columns: repeat(auto-fill, minmax(min(100%, 230px), 1fr)); }
.c-opt { display: flex; gap: .85rem; align-items: center; padding: 1rem 1.1rem; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; color: var(--text); min-width: 0; }
.c-opt:hover { border-color: var(--gold); color: var(--text); }
.c-opt .ic { width: 2.4rem; height: 2.4rem; padding: .55rem; border-radius: 10px; background: var(--ink); color: var(--gold); }
.c-opt strong { display: block; }
.c-opt span { font-size: .88rem; color: var(--muted); overflow-wrap: anywhere; }

/* ── Forms ─────────────────────────── */
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: 18px; padding: clamp(1.25rem, 3vw, 2rem); box-shadow: var(--shadow); color: var(--text); }
.form-card h2, .form-card h3 { font-family: var(--f-display); font-weight: 600; font-size: var(--step-2); margin-bottom: .3rem; }
.form-card .form-intro { color: var(--muted); font-size: .95rem; }
.form-grid { display: grid; gap: .9rem; grid-template-columns: 1fr; }
@media (min-width: 560px) { .form-grid.two { grid-template-columns: 1fr 1fr; } .form-grid .full { grid-column: 1 / -1; } }
.field { display: grid; gap: .35rem; min-width: 0; }
.field label, .field legend { font-weight: 700; font-size: .9rem; }
.field .opt { font-weight: 500; color: var(--muted); }
.field input, .field select, .field textarea { width: 100%; font: 500 1rem var(--f-body); color: var(--text); background: var(--paper); border: 1.5px solid var(--line); border-radius: 10px; padding: .78rem .85rem; min-height: 48px; }
.field textarea { min-height: 110px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold-deep); background: var(--white); box-shadow: 0 0 0 3px rgba(201, 165, 92, .25); }
.field input[aria-invalid="true"], .field select[aria-invalid="true"] { border-color: var(--error); }
.field .hint { font-size: .8rem; color: var(--muted); }
fieldset.field { border: 0; padding: 0; margin: 0; }
.radio-row { display: flex; flex-wrap: wrap; gap: .5rem; }
.radio-row label { display: inline-flex; align-items: center; gap: .4rem; padding: .5rem .8rem; border: 1.5px solid var(--line); border-radius: 999px; font-weight: 600; font-size: .9rem; cursor: pointer; background: var(--paper); }
.radio-row input { accent-color: var(--gold-deep); width: auto; min-height: 0; }
.radio-row label:has(input:checked) { border-color: var(--gold-deep); background: #fbf6ea; }
.consent { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: .6rem; font-size: .85rem; color: var(--muted); align-items: start; }
.consent input { width: 1.15rem; height: 1.15rem; margin-top: .2rem; accent-color: var(--gold-deep); }
.form-actions { display: flex; flex-wrap: wrap; gap: .75rem; align-items: center; margin-top: .3rem; }
.form-actions .btn { flex: 1 1 auto; }
.form-note { font-size: .8rem; color: var(--muted); margin: .9rem 0 0; display: flex; gap: .45rem; align-items: flex-start; }
.form-note .ic { color: var(--gold-deep); margin-top: .15rem; }
.form-status { font-weight: 700; font-size: .92rem; margin: .6rem 0 0; }
.form-status.err { color: var(--error); }
.form-status.ok { color: var(--success); }
.hp { position: absolute; left: -5000px; }
.dark .form-card { color: var(--text); }

/* ── Page header (inner pages) ─────────────────────────── */
.page-hero { padding-block: clamp(2.25rem, 5vw, 4rem); position: relative; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 0; pointer-events: none; opacity: .45; background: repeating-radial-gradient(circle at 105% 140%, transparent 0 22px, rgba(201, 165, 92, .07) 22px 23px); }
.page-hero > .wrap { position: relative; }
.page-hero h1 { color: var(--white); font-size: var(--step-4); max-width: 22ch; }
.crumbs { font-size: .84rem; margin-bottom: 1.25rem; color: var(--on-dark-muted); }
.crumbs ol { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: .35rem; }
.crumbs li + li::before { content: "/"; margin-right: .35rem; color: var(--line-dark); }
.crumbs a { color: var(--on-dark-muted) !important; text-decoration: none; }
.crumbs a:hover { color: var(--gold-soft) !important; }
.page-hero .btn-row { margin-top: 1.5rem; }
.service-hero-grid { display: grid; gap: 2rem; align-items: start; }
.service-hero-grid > * { min-width: 0; }
@media (min-width: 1000px) { .service-hero-grid { grid-template-columns: minmax(0, 1.2fr) minmax(0, .8fr); } }

/* ── Prose (service bodies, articles) ─────────────────────────── */
.prose { max-width: 70ch; }
.prose h2 { font-size: var(--step-2); margin-top: 2.2rem; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.6rem; }
.prose ul li, .prose ol li { margin-bottom: .4rem; }
.prose .callout { background: var(--white); border: 1px solid var(--line); border-left: 4px solid var(--gold); border-radius: var(--radius-sm); padding: 1rem 1.2rem; margin: 1.5rem 0; }
.prose .callout p:last-child { margin: 0; }
.ticks { list-style: none; padding: 0; display: grid; gap: .55rem; }
.ticks li { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: .65rem; align-items: start; }
.ticks li .ic { color: var(--gold-deep); margin-top: .25rem; }
.cols-2 { display: grid; gap: 0 2rem; }
@media (min-width: 720px) { .cols-2 { grid-template-columns: 1fr 1fr; } }
.table-wrap { overflow-x: auto; margin: 1.25rem 0; }
.table-wrap table { width: 100%; border-collapse: collapse; background: var(--white); font-size: .94rem; min-width: 520px; }
.table-wrap th, .table-wrap td { text-align: left; padding: .75rem .9rem; border-bottom: 1px solid var(--line); vertical-align: top; }
.table-wrap th { background: var(--ink); color: var(--on-dark); font-weight: 700; }
.aside-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.35rem; margin-bottom: 1rem; }
.aside-card h3 { margin-bottom: .6rem; }
.aside-card ul { list-style: none; padding: 0; margin: 0; }
.aside-card li a { display: flex; justify-content: space-between; padding: .45rem 0; border-bottom: 1px solid var(--line); text-decoration: none; color: var(--text); font-weight: 600; font-size: .94rem; }
.aside-card li a:hover { color: var(--gold-deep); }
.article-meta { color: var(--on-dark-muted); font-size: .9rem; }

/* Checklist pages */
.checklist { list-style: none; padding: 0; margin: 0 0 1.5rem; display: grid; gap: .5rem; }
.checklist li label { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: .75rem; align-items: start; background: var(--white); border: 1px solid var(--line); border-radius: 10px; padding: .8rem 1rem; cursor: pointer; }
.checklist input { width: 1.2rem; height: 1.2rem; margin-top: .2rem; accent-color: var(--gold-deep); }
.checklist li label:has(input:checked) span { color: var(--muted); text-decoration: line-through; text-decoration-color: var(--gold); }
.check-progress { font-weight: 700; color: var(--gold-deep); }

/* Disclaimer box */
.disclaimer { font-size: .84rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 1rem; margin-top: 2rem; }

/* ── Footer ─────────────────────────── */
.site-footer { background: var(--ink); color: var(--on-dark-muted); padding-block: 3.5rem 7rem; font-size: .92rem; }
@media (min-width: 1080px) { .site-footer { padding-bottom: 2.5rem; } }
.footer-grid { display: grid; gap: 2rem; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); }
@media (min-width: 1080px) { .footer-grid { grid-template-columns: 1.3fr repeat(4, 1fr); } }
.site-footer h2 { font-family: var(--f-body); font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); margin-bottom: 1rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .45rem; }
.site-footer a { color: var(--on-dark); text-decoration: none; }
.site-footer a:hover { color: var(--gold-soft); }
.footer-brand p { margin: .9rem 0; }
.socials { display: flex; gap: .5rem; flex-wrap: wrap; }
.socials a { display: inline-flex; align-items: center; justify-content: center; min-width: 44px; height: 44px; padding: 0 .8rem; border: 1px solid var(--line-dark); border-radius: 999px; font-weight: 700; font-size: .82rem; }
.socials a:hover { border-color: var(--gold); }
.footer-legal { border-top: 1px solid var(--line-dark); margin-top: 2.5rem; padding-top: 1.5rem; font-size: .8rem; line-height: 1.6; display: grid; gap: .8rem; }
.footer-legal p { margin: 0; max-width: 110ch; }
.footer-bottom { display: flex; flex-wrap: wrap; gap: .5rem 1.5rem; justify-content: space-between; }

/* ── Mobile action bar ─────────────────────────── */
.action-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; background: rgba(13, 15, 18, .98); border-top: 1px solid var(--line-dark); padding: .55rem .6rem calc(.55rem + env(safe-area-inset-bottom, 0px)); display: grid; grid-template-columns: repeat(3, 1fr); gap: .45rem; }
.action-bar a { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: .15rem; min-height: 52px; border-radius: 12px; text-decoration: none; font-weight: 700; font-size: .8rem; color: var(--on-dark); background: var(--slate); }
.action-bar a .ic { color: var(--gold); width: 1.2rem; height: 1.2rem; }
.action-bar a.primary { background: var(--gold); color: var(--ink); }
.action-bar a.primary .ic { color: var(--ink); }
@media (min-width: 1080px) { .action-bar { display: none; } }

/* Preview banner (only in preview build) */
.preview-banner { background: #3a2f12; color: #f6e7c1; font-size: .85rem; text-align: center; padding: .5rem 1rem; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; scroll-behavior: auto !important; }
}
@media print {
  .site-header, .action-bar, .site-footer, .cta-band, .no-print, form { display: none !important; }
  body { background: #fff; color: #000; }
  .page-hero { background: #fff; color: #000; padding: 0 0 1rem; }
  .page-hero h1 { color: #000; }
  .checklist li label { border: 1px solid #999; }
}
.dark .form-card a:not(.btn) { color: var(--gold-deep); }
.dark .form-card a:not(.btn):hover { color: var(--text); }