:root {
  --navy:        #12295c;
  --navy-deep:   #0d1f47;
  --blue:        #1b6fe8;
  --blue-dark:   #1558c0;
  --blue-tint:   #eaf1fd;
  /* disc behind brand artwork whose own circle has been removed */
  --ico-tint:    #f1f6ff;
  --gold:        #d9a22b;
  --gold-tint:   #fdf6e7;

  --ink:         #1d2b45;
  --body:        #5a6478;
  --muted:       #8792a8;

  --bg:          #ffffff;
  --bg-alt:      #f6f9fd;
  --border:      #e4eaf3;

  --ok:          #1a8754;
  --err:         #d64545;

  --radius:      14px;
  --radius-lg:   22px;
  --shadow:      0 2px 4px rgba(18,41,92,.04), 0 12px 32px rgba(18,41,92,.07);
  --shadow-sm:   0 1px 2px rgba(18,41,92,.05), 0 4px 14px rgba(18,41,92,.05);

  --hero-arc:    110%;  /* banner arc depth - SMALLER is deeper. See .hero__media. */
  --wrap:        1240px;
  /* Reading width, shared by the clarification page and the FAQ list. */
  --doc-w:       1000px;
  --gutter:      clamp(20px, 3vw, 32px);
  --nav-h:       78px;

  --font: "Poppins", "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
}

/* ---------- reset ---------- */
*, *::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: 1.7;
  color: var(--body);
  background: var(--bg);
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { color: var(--blue-dark); }

h1, h2, h3, h4, h5 {
  margin: 0 0 .6em;
  color: var(--navy);
  font-weight: 700;
  line-height: 1.22;
  letter-spacing: -.01em;
}
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.45rem); }
h4 { font-size: 1.05rem; }
p  { margin: 0 0 1rem; }
ul, ol { margin: 0 0 1rem; padding-left: 1.15rem; }
li { margin-bottom: .4rem; }

:focus-visible { outline: 3px solid rgba(27,111,232,.45); outline-offset: 2px; border-radius: 4px; }

/* screen-reader only */
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* ---------- layout helpers ---------- */
.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: var(--gutter); }
.wrap--doc { max-width: var(--doc-w); }

.section { padding: clamp(52px, 7vw, 92px) 0; }
.section--alt { background: var(--bg-alt); }
/* Two tinted bands in a row would read as one block; a hairline restores
   the edge wherever that happens. */
.section--alt + .section--alt { border-top: 1px solid var(--border); }
.section--tight { padding: clamp(36px, 4.5vw, 58px) 0; }

.section:not(.section--alt) + .section:not(.section--alt) { padding-top: 0; }

.grid { display: grid; gap: 26px; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.center { text-align: center; }
.lead { font-size: 1.06rem; max-width: 60ch; }
.center .lead { margin-inline: auto; }

/* eyebrow + gold rule used above most section headings */
.eyebrow {
  display: block;
  font-size: .78rem; font-weight: 700; letter-spacing: .16em;
  text-transform: uppercase; color: var(--blue); margin-bottom: .5rem;
}

.gold { color: var(--gold); }
.eyebrow--navy { color: var(--navy); }
.h2--upper { text-transform: uppercase; }
.blue { color: var(--blue); }
.navy { color: var(--navy); }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: .55rem;
  padding: .85rem 1.7rem;
  border: 2px solid transparent; border-radius: 999px;
  font: inherit; font-weight: 600; font-size: .95rem; letter-spacing: .02em;
  cursor: pointer; text-align: center;
  transition: background .18s, color .18s, border-color .18s, transform .18s, box-shadow .18s;
}
.btn:hover { transform: translateY(-2px); }
.btn svg { width: 18px; height: 18px; flex: none; }

.btn--primary { background: var(--blue); color: #fff; box-shadow: 0 8px 20px rgba(27,111,232,.28); }
.btn--primary:hover { background: var(--blue-dark); color: #fff; box-shadow: 0 12px 26px rgba(27,111,232,.34); }

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

.btn--ghost { border-color: var(--border); color: var(--navy); background: #fff; }
.btn--ghost:hover { border-color: var(--blue); color: var(--blue); }

.btn--gold { background: var(--gold); color: #fff; }
.btn--gold:hover { background: #c08d1f; color: #fff; }

.btn--sm { padding: .6rem 1.2rem; font-size: .86rem; }
.btn--block { width: 100%; justify-content: center; }

/* ---------- header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 60;
  background:
    linear-gradient(95deg,
      var(--blue-tint)           0%,
      var(--blue-tint)          30%,
      rgba(234, 241, 253, .55)  40%,
      rgba(234, 241, 253, 0)    48%),
    #fff;
  border-bottom: 1px solid var(--border);
}
.nav { display: flex; align-items: center; gap: 20px; min-height: var(--nav-h); }
.nav__logo img { height: 70px; width: auto; }

/* menu is pushed hard right; the burger follows it on small screens */
.nav > nav { margin-left: auto; }

.nav__links { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.nav__links a {
  display: block; position: relative;
  padding: .55rem .82rem;
  color: var(--ink); font-size: .84rem; font-weight: 600;
  letter-spacing: .06em; text-transform: uppercase;
  white-space: nowrap;
}
.nav__links a:hover { color: var(--blue); }
.nav__links a[aria-current="page"] { color: var(--blue); }
.nav__links a[aria-current="page"]::after {
  content: ""; position: absolute; left: .82rem; right: .82rem; bottom: .1rem;
  height: 3px; background: var(--gold); border-radius: 2px;
}

/* Visible at every width now that it holds the Renew CTA; the burger
   inside it is what appears at 900px, not the container. */
.nav__cta { display: flex; align-items: center; gap: 10px; }
.nav__btn { white-space: nowrap; }

.nav__toggle {
  display: none; width: 44px; height: 44px;
  border: 1px solid var(--border); border-radius: 10px;
  background: #fff; cursor: pointer; padding: 0;
  align-items: center; justify-content: center;
}
.nav__toggle span, .nav__toggle span::before, .nav__toggle span::after {
  display: block; width: 20px; height: 2px; background: var(--navy);
  border-radius: 2px; transition: transform .2s, opacity .2s;
}
.nav__toggle span { position: relative; }
.nav__toggle span::before { content: ""; position: absolute; top: -6px; }
.nav__toggle span::after  { content: ""; position: absolute; top: 6px; }
.nav__toggle[aria-expanded="true"] span { background: transparent; }
.nav__toggle[aria-expanded="true"] span::before { transform: translateY(6px) rotate(45deg); }
.nav__toggle[aria-expanded="true"] span::after  { transform: translateY(-6px) rotate(-45deg); }

/* ---------- hero ----------*/
.hero { position: relative; background: linear-gradient(180deg, #f3f7fd 0%, #eef4fc 100%); overflow: hidden; }
.hero > .wrap { max-width: none; padding-inline: 0; }
.hero__inner {
  display: grid;
  grid-template-columns:
    minmax(var(--gutter), 1fr)
    minmax(0, calc((var(--wrap) - var(--gutter) * 2) / 2))
    minmax(0, calc((var(--wrap) - var(--gutter) * 2) / 2))
    minmax(var(--gutter), 1fr);
  align-items: center;
  min-height: 460px;
}
.hero__body { grid-column: 2; padding: clamp(40px, 5vw, 72px) 40px clamp(40px, 5vw, 72px) 0; position: relative; z-index: 2; }
.hero h1 { margin-bottom: .5rem; }
.hero__sub { font-size: clamp(1rem, 1.6vw, 1.22rem); color: var(--body); margin-bottom: 1.6rem; max-width: 46ch; }

.hero__media {
  grid-column: 3 / -1;
  position: relative; align-self: stretch; min-height: 320px;
  overflow: hidden;
  -webkit-clip-path: ellipse(100% var(--hero-arc) at 100% 50%);
          clip-path: ellipse(100% var(--hero-arc) at 100% 50%);
}
/* Anything that cannot clip (legacy Edge) falls back to corner radii - a
   slightly wrong curve, never a broken layout. */
@supports not ((clip-path: ellipse(50% 50% at 50% 50%)) or (-webkit-clip-path: ellipse(50% 50% at 50% 50%))) {
  .hero__media { border-radius: 14% 0 0 14% / 50% 0 0 50%; }
}
.hero__media img {
  display: block; position: absolute; inset: 0;
  width: 100%; height: 100%; object-fit: cover;
}
.hero:not(.hero--page) .hero__media img { object-position: 85% center; }

/* small pill above the hero headline */
.pill {
  display: inline-flex; align-items: center; gap: .5rem;
  padding: .4rem 1rem; margin-bottom: 1rem;
  background: #fff; border: 1px solid var(--border); border-radius: 999px;
  font-size: .84rem; font-weight: 600; color: var(--navy);
  box-shadow: var(--shadow-sm);
}
.pill svg { width: 16px; height: 16px; color: var(--gold); }

/* trust markers under the hero CTA */
.trust { display: flex; flex-wrap: wrap; gap: 30px; margin-top: 2.2rem; padding: 0; list-style: none; }
.trust li { display: flex; flex-direction: column; align-items: center; gap: .5rem; margin: 0; text-align: center; }
.trust .ico {
  width: 68px; height: 68px; border-radius: 50%;
  background: var(--blue-tint);
  display: grid; place-items: center; color: var(--navy);
}
.trust .ico svg { width: 46px; height: 46px; }
.trust .ico .ico-acc { stroke: var(--gold); }
.trust span { font-size: .82rem; color: var(--body); font-weight: 500; }

/* compact hero for interior pages */
.hero--page .hero__inner { min-height: 340px; }
/* The h1 now carries the separation the removed gold rule used to provide. */
.hero--page h1 { margin-bottom: 1.05rem; }

.section--feature { padding: clamp(38px, 4.6vw, 56px) 0; }
.feature {
  display: grid; grid-template-columns: 1fr 1fr;
  align-items: center; gap: clamp(30px, 5vw, 66px);
}
.feature--flip .feature__media { order: 2; }

.feature__media img {
  border-radius: var(--radius-lg); box-shadow: var(--shadow);
  width: 100%; aspect-ratio: 9 / 8; object-fit: cover;
}

.feature__title { display: flex; align-items: baseline; gap: .65rem; }
.feature__num { flex: none; font-size: .82em; font-weight: 700; color: var(--gold); line-height: 1; }
.feature h2 { margin-bottom: .45rem; }
.feature__desc { max-width: 46ch; }

/* Row gap is the larger: labels wrap to two lines, so rows need more air
   between them than columns do. */
.ticks { list-style: none; padding: 0; margin: 1.3rem 0 1.2rem; display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: .95rem 1.4rem; }
.ticks li { display: flex; align-items: flex-start; gap: .6rem; margin: 0; font-size: .93rem; color: var(--ink); }
.tick {
  --dot: 9px;
  flex: none; width: var(--dot); height: var(--dot);
  border-radius: 50%; background: var(--gold);
  margin-top: calc((1.7em - var(--dot)) / 2);
}
/* icon-check.png in place of the drawn dot, same first-line offset as .tick. */
.ticks--check { --dot: 18px; }
.tick-ico {
  flex: none; display: block;
  width: var(--dot); height: var(--dot);
  margin-top: calc((1.7em - var(--dot)) / 2);
}

.arrow-link { display: inline-flex; align-items: center; gap: .45rem; font-size: .85rem; font-weight: 700; letter-spacing: .07em; text-transform: uppercase; }
.arrow-link svg { width: 16px; height: 16px; transition: transform .18s; }
.arrow-link:hover svg { transform: translateX(4px); }

/* ---------- cards ---------- */
.card {
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
  padding: 30px 26px; box-shadow: var(--shadow-sm);
}
.card--link { transition: transform .2s, box-shadow .2s, border-color .2s; }
.card--link:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: #d3e0f3; }
.card h3 { margin-bottom: .4rem; }
.card p:last-child { margin-bottom: 0; }

.card--num { text-align: center; }
.card--num h3, .steps h3 { min-height: 2.44em; display: grid; place-items: start center; }
.card--num h3 { font-size: 1.12rem; }
.card--num .n { display: block; font-size: 1.35rem; font-weight: 700; color: var(--gold); margin-bottom: .6rem; }
.card--num .ico {
  width: 86px; height: 86px; margin: 0 auto .9rem;
  border-radius: 50%; background: var(--ico-tint); color: var(--blue);
  display: grid; place-items: center;
}
.cards--pad-ico .ico.ico--img { padding: 10px; background: var(--ico-tint); border-radius: 50%; }
.card--num .ico svg { width: 32px; height: 32px; }

/* icon + text list, used on About "Who we are" */
.icon-list { list-style: none; margin: 0; padding: 0; }
.icon-list li { display: flex; gap: 18px; padding: 20px 0; border-bottom: 1px solid var(--border); margin: 0; }
.icon-list li:last-child { border-bottom: 0; }
.icon-list .ico {
  flex: none; width: 54px; height: 54px; border-radius: 50%;
  background: var(--blue-tint); color: var(--blue); display: grid; place-items: center;
}
.icon-list .ico svg { width: 25px; height: 25px; }
.icon-list h3 { font-size: 1.02rem; color: var(--navy); margin-bottom: .2rem; }
.icon-list p { margin: 0; font-size: .93rem; }
.icon-list--req h3 {
  color: var(--navy); font-size: .9rem; font-weight: 700;
  letter-spacing: .05em; text-transform: uppercase; margin-bottom: .3rem;
}

.side-img { width: 100%; border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.side-img--tall { aspect-ratio: 1 / 1; object-fit: cover; }

/* ---------- CTA band ---------- */
.cta-band {
  display: flex; align-items: center; gap: 24px; flex-wrap: wrap;
  background: linear-gradient(100deg, #eef4fd 0%, #e7effc 100%);
  border: 1px solid #dbe6f7; border-radius: var(--radius-lg);
  padding: 30px 34px;
}
.cta-band .ico {
  flex: none; width: 64px; height: 64px; border-radius: 50%;
  background: #fff; color: var(--blue); display: grid; place-items: center;
  box-shadow: var(--shadow-sm);
}
.cta-band .ico svg { width: 30px; height: 30px; }
.cta-band__text { flex: 1 1 320px; }
.cta-band__text p { margin: 0; font-size: 1.12rem; color: var(--navy); font-weight: 600; line-height: 1.45; }
.cta-band__text small { display: block; margin-top: .25rem; font-size: .93rem; color: var(--body); font-weight: 400; }

/* ---------- forms ---------- */
.field { margin-bottom: 1.05rem; }
.field label { display: block; margin-bottom: .4rem; font-size: .88rem; font-weight: 600; color: var(--navy); }
.field .hint { font-size: .82rem; color: var(--muted); font-weight: 400; }

.input, .select, .textarea {
  width: 100%; padding: .8rem 1rem;
  font: inherit; font-size: .95rem; color: var(--ink);
  background: #fff; border: 1px solid var(--border); border-radius: 10px;
  transition: border-color .16s, box-shadow .16s;
}
.input::placeholder, .textarea::placeholder { color: #a9b4c7; }
.input:focus, .select:focus, .textarea:focus {
  outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(27,111,232,.14);
}
.textarea { min-height: 132px; resize: vertical; }

.input-icon { display: flex; align-items: stretch; gap: 10px; }
.input-icon .ico {
  flex: none; width: 46px; border-radius: 10px;
  background: var(--blue-tint); color: var(--blue);
  display: grid; place-items: center; font-weight: 700;
}
.input-icon .ico svg { width: 20px; height: 20px; }

.checkline { display: flex; gap: .7rem; align-items: flex-start; margin-bottom: 1rem; font-size: .87rem; line-height: 1.6; }
.checkline input { margin-top: .28rem; width: 17px; height: 17px; flex: none; accent-color: var(--blue); }

.field-error { display: none; margin-top: .35rem; font-size: .82rem; color: var(--err); font-weight: 500; }
.field.is-invalid .input, .field.is-invalid .textarea, .field.is-invalid .select { border-color: var(--err); }
.field.is-invalid .field-error { display: block; }

.form-note {
  margin-top: 1rem; padding: .9rem 1.1rem; border-radius: 10px;
  background: var(--bg-alt); border: 1px solid var(--border);
  font-size: .84rem; color: var(--body);
}

/* Netlify honeypot. Hidden from people, still in the DOM for bots to fill. */
.hp { display: none; }

.form-status { display: none; margin-top: 1rem; padding: .95rem 1.15rem; border-radius: 10px; font-size: .92rem; font-weight: 500; }
.form-status.is-ok   { display: block; background: #eaf7f0; border: 1px solid #bfe5d1; color: var(--ok); }
.form-status.is-err  { display: block; background: #fdeded; border: 1px solid #f4c9c9; color: var(--err); }

/* ---------- application form (home) ---------- */
.section--apply {
  background-image:
    linear-gradient(95deg, rgba(246,249,253,.94) 0%, rgba(246,249,253,.85) 48%, rgba(246,249,253,.55) 100%),
    url("../img/coe-requirement-form.png");
  background-size: cover;
  background-position: center right;
}

.applyform .input {
  padding-block: .95rem;
  border-color: transparent;
  box-shadow: var(--shadow-sm);
}
.applyform .input:focus { border-color: var(--blue); }
.applyform .field { margin-bottom: .85rem; }

/* input with a leading glyph and a hairline separating it from the text */
.input-ico { position: relative; }
.input-ico > svg {
  position: absolute; left: 18px; top: 50%; transform: translateY(-50%);
  width: 20px; height: 20px; pointer-events: none;
  fill: none; stroke: var(--muted); stroke-width: 1.7;
  stroke-linecap: round; stroke-linejoin: round;
}
.input-ico::after {
  content: ""; position: absolute; left: 50px; top: 24%; bottom: 24%;
  width: 1px; background: var(--border);
}
.input-ico .input { padding-left: 66px; }

.uploads { display: grid; gap: 12px; margin: 1.5rem 0 1.3rem; }
.upload-row { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.25fr); align-items: center; gap: 16px; }
.upload-row__label { font-size: .9rem; font-weight: 700; color: var(--navy); }

.upload {
  position: relative; display: flex; align-items: center; cursor: pointer;
  background: #fff; border: 1px solid transparent; border-radius: 10px;
  box-shadow: var(--shadow-sm); overflow: hidden;
}
.upload:hover { border-color: #d3e0f3; }
.upload:focus-within { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(27,111,232,.14); }
.upload input[type="file"] { position: absolute; width: 1px; height: 1px; opacity: 0; }
.upload__btn {
  flex: none; padding: .7rem 1rem;
  font-size: .84rem; font-weight: 600; color: var(--navy);
  background: var(--bg-alt); border-right: 1px solid var(--border);
}
.upload__name {
  flex: 1 1 auto; min-width: 0; padding: 0 .85rem;
  font-size: .84rem; color: var(--muted);
  white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
}
.upload__name.has-file { color: var(--ink); font-weight: 500; }
.upload > svg { flex: none; width: 20px; height: 20px; margin-right: .9rem; color: var(--blue); }

.applyform__foot { display: flex; justify-content: flex-end; }

/* ---------- calculator ---------- */
.calc {
  display: grid; grid-template-columns: 300px 1fr 300px; gap: 0;
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg);
  box-shadow: var(--shadow); overflow: hidden;
}
.calc__aside { background: var(--bg-alt); padding: 30px 26px; }
.calc__aside-media > img { border-radius: var(--radius); display: block; width: 100%; }
.calc__aside h4 { font-size: .96rem; margin-bottom: .3rem; }
.calc__aside p { font-size: .87rem; margin: 0; }
.calc__form { padding: 34px 32px; border-inline: 1px solid var(--border); }
.calc__result { background: var(--blue-tint); padding: 34px 26px; text-align: center; display: flex; flex-direction: column; justify-content: center; }
.calc__result .ico {
  width: 66px; height: 66px; margin: 0 auto 1rem; border-radius: 50%;
  background: #fff; color: var(--blue); display: grid; place-items: center;
}
.calc__result .ico svg { width: 30px; height: 30px; }
.calc__result h4 { font-size: 1.05rem; margin-bottom: .3rem; }
.calc__amount { font-size: clamp(1.7rem, 3vw, 2.3rem); font-weight: 700; color: var(--blue); line-height: 1.15; margin: .5rem 0 .1rem; }
.calc__amount small { display: block; font-size: .8rem; font-weight: 600; color: var(--muted); letter-spacing: .1em; }
.calc__hint { font-size: .85rem; color: var(--body); margin: .6rem 0 0; }
.calc__break { margin-top: 1.2rem; padding-top: 1.2rem; border-top: 1px solid #cfe0f7; text-align: left; font-size: .87rem; }
.calc__break div { display: flex; justify-content: space-between; gap: 12px; padding: .3rem 0; }
.calc__break span:last-child { font-weight: 600; color: var(--navy); }

/* ---------- accordion (FAQ) ---------- */
.acc { border: 1px solid var(--border); border-radius: var(--radius); overflow: hidden; background: #fff; }
.acc + .acc { margin-top: 14px; }
.acc__q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  padding: 12px 28px; background: #fff; border: 0; cursor: pointer;
  font: inherit; font-size: 1rem; font-weight: 600; color: var(--navy); text-align: left;
  transition: background .16s, color .16s;
}
.acc__q:hover { background: var(--bg-alt); }
.acc__q .chev { flex: none; width: 22px; height: 22px; color: var(--blue); transition: transform .22s; }
.acc__q[aria-expanded="true"] { background: var(--blue-tint); color: var(--blue); }
.acc__q[aria-expanded="true"] .chev { transform: rotate(180deg); }
.acc__a { max-height: 0; overflow: hidden; background: var(--blue-tint); transition: max-height .28s ease; }
.acc__body { padding: 0 28px 34px 84px; }
.acc__a p:last-child, .acc__a ol:last-child, .acc__a ul:last-child { margin-bottom: 0; }

/* ---------- download list (forms pages) ---------- */
.dl-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.dl-list li { margin: 0; }
.dl-list a, .dl-list span.unavailable {
  display: flex; align-items: center; gap: 14px;
  padding: 16px 20px; background: #fff;
  border: 1px solid var(--border); border-radius: var(--radius);
  color: var(--navy); font-weight: 600; font-size: .96rem;
  transition: border-color .16s, box-shadow .16s, transform .16s;
}
.dl-list a:hover { border-color: var(--blue); box-shadow: var(--shadow-sm); transform: translateX(3px); color: var(--blue); }
.dl-list .ico { flex: none; width: 38px; height: 38px; border-radius: 9px; background: var(--blue-tint); color: var(--blue); display: grid; place-items: center; }
.dl-list .ico svg { width: 19px; height: 19px; }
.dl-list .tag { margin-left: auto; font-size: .74rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.dl-list span.unavailable { color: var(--muted); font-weight: 500; background: var(--bg-alt); }
.dl-list span.unavailable .ico { background: #edf1f7; color: var(--muted); }

/* ---------- clarification page ---------- */
.doc { max-width: var(--doc-w); --doc-measure: 68ch; }
.doc > p:not(.lead):not(.fineprint),
.doc > ol { max-width: var(--doc-measure); }
.doc h2 { margin-top: 2.4rem; font-size: 1.5rem; }
.doc h2:first-of-type { margin-top: 0; }
.doc hr { border: 0; border-top: 1px solid var(--border); margin: 1.6rem 0; }

.table-wrap { overflow-x: auto; margin: 1.2rem 0 1.4rem; }
table.tbl { width: 100%; border-collapse: collapse; font-size: .94rem; min-width: 560px; }
table.tbl th, table.tbl td { padding: 15px 18px; border: 1px solid var(--border); text-align: left; vertical-align: top; }
table.tbl thead th { background: var(--bg-alt); color: var(--navy); font-weight: 600; }
table.tbl td strong { color: var(--navy); font-size: 1.05rem; }

.callout {
  background: var(--blue-tint); border-left: 4px solid var(--blue);
  border-radius: 0 10px 10px 0; padding: 18px 22px; margin: 1.2rem 0 1.6rem;
  color: var(--navy); font-size: .96rem;
}
.callout p:last-child { margin-bottom: 0; }

.split-list { list-style: none; margin: 0; padding: 0; }
.split-list li { padding: 16px 0; border-bottom: 1px solid var(--border); margin: 0; }
.split-list li:last-child { border-bottom: 0; }

.contact-box {
  display: flex; align-items: center; justify-content: space-between; gap: 22px; flex-wrap: wrap;
  border: 1px solid var(--border); border-radius: var(--radius);
  padding: 24px 28px; margin-top: 2rem; background: #fff;
}
.contact-box > div { flex: 1 1 320px; }
.contact-box .btn { flex: none; }
.fineprint { margin-top: 1.4rem; font-size: .8rem; color: var(--muted); line-height: 1.65; }

/* ---------- steps (refinancing) ---------- */
.steps-panel {
  background: var(--bg-alt); border-radius: var(--radius-lg);
  padding: clamp(34px, 4.4vw, 56px) clamp(20px, 3vw, 44px);
}
.steps { --step-ico: 84px; list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: s; }
.steps li { margin: 0; padding: 0; background: none; border: 0; text-align: center; position: relative; }
.steps li::before {
  counter-increment: s; content: counter(s, decimal-leading-zero);
  display: block; font-size: 1.3rem; font-weight: 700; color: var(--gold); margin-bottom: .75rem; line-height: 1;
}
.steps li:not(:last-child)::after {
  content: ""; position: absolute;
  top: calc(1.3rem + .75rem + var(--step-ico) / 2);
  left: calc(50% + var(--step-ico) / 2 + 12px);
  right: calc(-50% + var(--step-ico) / 2 - 14px);
  border-top: 2px dashed #c3d2e8;
}
.steps h3 { font-size: 1.02rem; margin-bottom: .35rem; }
.steps p { font-size: .9rem; margin: 0; }

/* ---------- modal ---------- */
.modal {
  position: fixed; inset: 0; z-index: 200;
  display: none; align-items: center; justify-content: center; padding: 22px;
  background: rgba(13, 31, 71, .62);
  opacity: 0; transition: opacity .25s;
}
.modal.is-open { display: flex; opacity: 1; }
.modal__box {
  position: relative; width: 100%; max-width: 520px;
  background: #fff; border-radius: var(--radius-lg); padding: 42px 38px 34px;
  box-shadow: 0 30px 70px rgba(13,31,71,.34); text-align: center;
  transform: translateY(14px); transition: transform .25s;
}
.modal.is-open .modal__box { transform: translateY(0); }
.modal__box .ico {
  width: 72px; height: 72px; margin: 0 auto 1.1rem; border-radius: 50%;
  background: var(--gold-tint); color: var(--gold); display: grid; place-items: center;
}
.modal__box .ico svg { width: 34px; height: 34px; }
.modal__box h2 { font-size: 1.42rem; margin-bottom: .6rem; }
.modal__box p { font-size: .97rem; }
.modal__close {
  position: absolute; top: 14px; right: 14px;
  width: 38px; height: 38px; border-radius: 50%;
  border: 1px solid var(--border); background: #fff; color: var(--body);
  cursor: pointer; display: grid; place-items: center; font-size: 1.1rem; line-height: 1;
  transition: background .16s, color .16s;
}
.modal__close:hover { background: var(--bg-alt); color: var(--navy); }

/* ---------- floating whatsapp ---------- */
/* ---------- WhatsApp widget ---------- */
.wa {
  position: fixed; right: 18px; bottom: 18px; z-index: 90;
  display: flex; flex-direction: column; align-items: flex-end; gap: 12px;
}

.wa__panel {
  width: min(320px, calc(100vw - 36px));
  background: #fff; border-radius: 14px; overflow: hidden;
  box-shadow: 0 18px 44px rgba(11,25,50,.28);
  transform-origin: bottom right;
  animation: wa-in .18s ease-out;
}

.wa__head { position: relative; background: #075e54; padding: 15px 46px 15px 18px; }
.wa__name { margin: 0; color: #fff; font-size: 1rem; font-weight: 700; }
.wa__meta { margin: .12rem 0 0; color: rgba(255,255,255,.8); font-size: .79rem; }
.wa__close {
  position: absolute; top: 8px; right: 8px;
  width: 30px; height: 30px; border: 0; border-radius: 50%;
  background: none; color: rgba(255,255,255,.85);
  font-size: 1.35rem; line-height: 1; cursor: pointer;
}
.wa__close:hover { background: rgba(255,255,255,.14); color: #fff; }

.wa__body {
  padding: 16px 15px 20px; text-align: center;
  background-color: #e5ddd5;
  background-image: radial-gradient(rgba(0,0,0,.05) 1px, transparent 1px);
  background-size: 15px 15px;
}
.wa__time {
  display: inline-block; margin-bottom: 12px; padding: .2rem .65rem;
  border-radius: 999px; background: rgba(255,255,255,.72);
  font-size: .68rem; font-weight: 600; color: #7a8494;
}
.wa__bubble {
  position: relative; text-align: left;
  background: #fff; border-radius: 10px; padding: 13px 15px;
  box-shadow: 0 1px 2px rgba(0,0,0,.16);
  font-size: .87rem; line-height: 1.45; color: var(--ink);
}
.wa__bubble::before {
  content: ""; position: absolute; left: -7px; top: 0;
  border: 8px solid transparent; border-left: 0; border-top-color: #fff;
}
.wa__bubble p { margin: 0 0 .72rem; }
.wa__bubble p:last-child { margin-bottom: 0; }

.wa__start {
  display: inline-flex; align-items: center; gap: .5rem; margin-top: 16px;
  padding: .68rem 1.5rem; border-radius: 999px;
  background: #25d366; color: #fff; font-weight: 700; font-size: .95rem;
  box-shadow: 0 6px 16px rgba(37,211,102,.4);
}
.wa__start:hover { background: #1eb956; color: #fff; }
.wa__start svg { width: 22px; height: 22px; }

.wa__launch {
  position: relative; display: inline-flex; align-items: center; gap: .55rem;
  padding: .7rem 1.3rem .7rem 1.05rem;
  border: 0; border-radius: 999px; cursor: pointer;
  background: #25d366; color: #fff;
  font: inherit; font-size: .92rem; font-weight: 700;
  box-shadow: 0 8px 22px rgba(37,211,102,.42);
  transition: transform .18s, background .18s;
}
.wa__launch:hover { transform: translateY(-2px); background: #1eb956; }
.wa__launch svg { flex: none; width: 24px; height: 24px; }
.wa__dot {
  position: absolute; top: 5px; right: 7px; width: 9px; height: 9px;
  border-radius: 50%; background: #f5453d; box-shadow: 0 0 0 2px #fff;
}
.wa[data-open="true"] .wa__dot { display: none; }

/* ---------- brand icon artwork ----------*/
.ico.ico--img {
  background: none; border: 0; box-shadow: none; padding: 0;
  display: block; overflow: hidden;
}
.ico.ico--img img { display: block; width: 100%; height: 100%; object-fit: contain; }

/* standalone artwork, used where there is no .ico context to inherit a size from */
.ico--solo { width: 76px; height: 76px; margin: 0 auto 1.1rem; }
.ico--solo.ico--tinted { background: var(--ico-tint); border-radius: 50%; }

/* the numbered feature rows on the home page carry a section icon above the number */
.feature__ico { width: 72px; height: 72px; margin-bottom: .9rem; }

/* refinancing "how it works" steps and the FAQ accordion take artwork too */
.steps .ico.ico--img {
  width: var(--step-ico); height: var(--step-ico); margin: 0 auto .9rem;
  background: #fff; border-radius: 50%; border: 1px solid var(--border);
}
.steps .ico img { transition: none; }
.steps .ico img[src$="icon-share-details.png"]        { transform: scale(1.22); }
.steps .ico img[src$="icon-review-options.png"]       { transform: scale(.86); }
.steps .ico img[src$="icon-complete-application.png"] { transform: scale(.73); }
.steps .ico img[src$="icon-start-new-loan.png"]       { transform: scale(.76); }
.acc__q .ico.ico--img { flex: none; width: 40px; height: 40px; }
.acc__q .ico.ico--img + span { flex: 1 1 auto; }

.calc__aside-media { position: relative; margin-bottom: 1.1rem; }
.calc__aside-ico.ico--img {
  position: absolute; top: 12px; left: 12px;
  width: 48px; height: 48px; margin: 0;
  background: #fff; border-radius: 50%;
}
.calc__aside-ico.ico--img img { transform: translateY(-2.3%) scale(1.24); }
.calc__aside-note { display: flex; gap: 12px; align-items: flex-start; }
.calc__aside-note .ico.ico--img {
  flex: none; width: 54px; height: 54px;
  background: #fff; border-radius: 50%;
}
/* Shield mark is 54% of its canvas - same treatment, smaller factor. */
.calc__aside-note .ico.ico--img img { transform: scale(1.15); }

/* card with a photo bleeding to its top edge (refinancing audience cards) */
.card--photo { padding: 0; overflow: hidden; display: flex; flex-direction: column; }
.card--photo > img { display: block; flex: none; width: 100%; height: 230px; object-fit: cover; }
.card--photo .card__body { padding: 28px 26px 30px; flex: 1; display: flex; flex-direction: column; }

.card--photo .card__body h3 { min-height: 2.44em; }
.card--photo .card__body .ticks { margin-top: auto; }


@keyframes wa-in { from { opacity: 0; transform: translateY(10px) scale(.97); } }
@media (prefers-reduced-motion: reduce) {
  .wa__panel { animation: none; }
  .wa__launch { transition: none; }
}

/* ---------- footer ---------- */
.site-footer { background: var(--navy-deep); color: #c8cfdd; font-size: .93rem; }
.site-footer a { color: #c8cfdd; }
.site-footer a:hover { color: #fff; }
.footer__top { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.2fr; gap: 40px; padding: clamp(46px, 6vw, 70px) 0; }
.footer__top h4 {
  color: #fff; font-size: 1rem; margin-bottom: 1.15rem;
  min-height: 46px; display: flex; align-items: flex-end;
}
.footer__logo { min-height: 46px; display: flex; align-items: flex-end; margin-bottom: 1.15rem; }
.footer__logo img { height: 46px; width: auto; }
.footer__top ul { list-style: none; margin: 0; padding: 0; }
.footer__top ul li { margin-bottom: .55rem; }
.footer__top p { margin-bottom: .7rem; line-height: 1.75; }

.footer__bottom {
  border-top: 1px solid rgba(255,255,255,.12);
  padding: 24px 0 30px;
  display: flex; align-items: center; justify-content: space-between; gap: 20px; flex-wrap: wrap;
  font-size: .86rem; color: #98a3b8;
}
.footer__bottom img { height: 62px; width: auto; }

/* ---------- responsive ---------- */
@media (max-width: 1080px) {
  .nav__links a { padding: .55rem .6rem; font-size: .79rem; }
  .nav__btn { padding: .55rem 1rem; font-size: .8rem; }
  .calc { grid-template-columns: 1fr 1fr; }
  .calc__aside { grid-column: 1 / -1; display: flex; gap: 20px; align-items: center; }
  .calc__aside-media { flex: none; width: 180px; margin: 0; }
  .calc__form { border-inline: 0; border-top: 1px solid var(--border); }
  .calc__result { border-top: 1px solid var(--border); }
}

@media (max-width: 900px) {
  .nav__toggle { display: flex; }
  .nav__links {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--border);
    box-shadow: var(--shadow); padding: 8px 0;
  }
  .nav__links.is-open { display: flex; }
  .nav__links a { padding: .85rem var(--gutter); font-size: .9rem; }
  .nav__links a[aria-current="page"]::after { left: var(--gutter); right: auto; width: 26px; bottom: .45rem; }
  .site-header .wrap { position: relative; }

  .hero__inner { grid-template-columns: minmax(var(--gutter), 1fr) minmax(0, calc(var(--wrap) - var(--gutter) * 2)) minmax(var(--gutter), 1fr); min-height: 0; }
  .hero__body { grid-column: 2; padding: 34px 0 46px; }
  /* stacked: the image sits above the copy, so the arc moves to the bottom edge */
  .hero__media { grid-column: 1 / -1; order: -1; min-height: 260px; -webkit-clip-path: none; clip-path: none; border-radius: 0 0 0 90px; }
  .hero__media img { position: relative; height: 260px; }

  .feature, .feature--flip .feature__media { grid-template-columns: 1fr; order: 0; }
  .feature__media { order: -1 !important; }

  .upload-row { grid-template-columns: 1fr; gap: 7px; }
  .wa__label { display: none; }
  .wa__launch { padding: .8rem; }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .grid--3 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .steps li:not(:last-child)::after { display: none; }
  .footer__top { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .footer__top h4, .footer__logo { min-height: 0; }
}

@media (max-width: 620px) {
  .acc__q { padding: 18px 18px; }
  .acc__body { padding: 0 18px 26px; }
  .nav__btn { padding: .5rem .85rem; font-size: .75rem; }
  .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
  .ticks { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .footer__top { grid-template-columns: 1fr; }
  .calc { grid-template-columns: 1fr; }
  .calc__aside { flex-direction: column; align-items: flex-start; }
  .calc__aside-media { width: 100%; }
  .cta-band { padding: 24px; }
  .modal__box { padding: 36px 24px 28px; }
  .trust { gap: 20px; }
  .footer__bottom { flex-direction: column; align-items: flex-start; }
}

/* ---------- form confirmation page ---------- */
.thanks__ico {
  display: grid; place-items: center;
  width: 84px; height: 84px; margin: 0 auto 1.4rem;
  border-radius: 50%; background: var(--ico-tint); color: var(--blue);
}
.thanks__ico svg { width: 42px; height: 42px; }
.thanks h1 { margin-bottom: .9rem; }
.thanks__actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; margin-top: 1.8rem; }

/* ---------- print ---------- */
@media print {
  .site-header, .site-footer, .wa, .modal, .cta-band { display: none !important; }
  body { color: #000; }
}