/* ═══════════════════════════════════════════════════════
   PREMIER ACCESS FUNDING — SHARED STYLESHEET
   Mobile-first. Production-grade.
═══════════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=Bebas+Neue&family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,300;1,9..40,400&family=DM+Serif+Display:ital@0;1&display=swap');

/* ─── TOKENS ─── */
:root {
  --navy:       #2D0A14;
  --navy-mid:   #4A0E1F;
  --navy-light: #6B1528;
  --navy-dark:  #1A0509;
  --gold:       #C9A84C;
  --gold-light: #E8C96D;
  --gold-pale:  #F5E6C0;
  --cream:      #FAF6EF;
  --white:      #FFFFFF;
  --g100:       #F4F4F5;
  --g200:       #E4E4E7;
  --g400:       #A1A1AA;
  --g600:       #52525B;
  --g800:       #27272A;
  --green:      #16A34A;
  --green-bg:   #DCFCE7;
  --red:        #DC2626;

  --shadow-sm:   0 2px 8px rgba(0,0,0,0.08);
  --shadow-md:   0 4px 24px rgba(0,0,0,0.12);
  --shadow-lg:   0 8px 48px rgba(0,0,0,0.20);
  --shadow-gold: 0 0 32px rgba(201,168,76,0.28);

  --r-sm: 6px;
  --r:    10px;
  --r-lg: 16px;
  --r-xl: 24px;

  --max-w: 1200px;
  --max-w-lg: 1400px;
  --header-h: 64px;
}

/* ─── RESET ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'DM Sans', sans-serif;
  background: var(--white);
  color: var(--g800);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; font-family: inherit; border: none; background: none; }
input, select, textarea { font-family: inherit; }

/* ─── TYPOGRAPHY ─── */
h1 { font-family: 'Bebas Neue', sans-serif; letter-spacing: 0.03em; line-height: 0.95; }
h2, h3 { font-family: 'DM Serif Display', serif; line-height: 1.2; }
h4, h5, h6 { font-family: 'DM Sans', sans-serif; font-weight: 700; line-height: 1.3; }
.display { font-family: 'Bebas Neue', sans-serif; letter-spacing: 0.04em; }
.serif { font-family: 'DM Serif Display', serif; }

/* ─── LAYOUT ─── */
.container { width: 100%; max-width: var(--max-w); margin: 0 auto; padding: 0 20px; }
.container-lg { width: 100%; max-width: var(--max-w-lg); margin: 0 auto; padding: 0 20px; }
.section { padding: 60px 0; }
.section-lg { padding: 80px 0; }

/* ─── COLORS ─── */
.bg-navy  { background: var(--navy); }
.bg-cream { background: var(--cream); }
.bg-white { background: var(--white); }
.bg-dark  { background: var(--navy-dark); }
.text-gold { color: var(--gold); }
.text-white { color: var(--white); }
.text-navy { color: var(--navy); }
.text-muted { color: var(--g600); }

/* ─── SECTION LABELS ─── */
.label {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}

.section-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(28px, 5vw, 44px);
  color: var(--navy);
  line-height: 1.15;
  margin-bottom: 14px;
}

.section-sub {
  font-size: 16px;
  color: var(--g600);
  line-height: 1.75;
  font-weight: 300;
  max-width: 540px;
}

.section-header { margin-bottom: 44px; }
.section-header.center { text-align: center; }
.section-header.center .section-sub { margin: 0 auto; }

.divider {
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(201,168,76,0.25), transparent);
}

/* ─── BUTTONS ─── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 15px;
  letter-spacing: 0.01em;
  padding: 14px 28px;
  border-radius: var(--r);
  border: none;
  cursor: pointer;
  transition: all 0.2s ease;
  white-space: nowrap;
  line-height: 1;
  text-align: center;
}

.btn-primary {
  background: var(--gold);
  color: var(--navy);
  animation: pulse-cta 2.5s infinite;
}
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-gold);
  animation: none;
}

.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover {
  background: var(--navy-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline-gold {
  background: transparent;
  color: var(--gold);
  border: 2px solid var(--gold);
}
.btn-outline-gold:hover {
  background: var(--gold);
  color: var(--navy);
}

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.35);
}
.btn-outline-white:hover {
  border-color: var(--gold);
  color: var(--gold);
}

.btn-lg  { padding: 18px 40px; font-size: 17px; border-radius: var(--r-lg); }
.btn-sm  { padding: 10px 20px; font-size: 13px; }
.btn-full { width: 100%; }

@keyframes pulse-cta {
  0%,100% { box-shadow: 0 0 0 0 rgba(201,168,76,0.45); }
  50%      { box-shadow: 0 0 0 12px rgba(201,168,76,0); }
}

/* ─── HEADER ─── */
.site-header {
  position: sticky;
  top: 0;
  z-index: 999;
  height: var(--header-h);
  background: rgba(45,10,20,0.97);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(201,168,76,0.18);
}

.header-inner {
  max-width: var(--max-w-lg);
  margin: 0 auto;
  padding: 0 20px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.logo-mark {
  width: 36px; height: 36px;
  background: var(--gold);
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Bebas Neue', sans-serif;
  font-size: 20px; color: var(--navy); letter-spacing: 0;
  flex-shrink: 0;
}
.logo-name {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 18px;
  letter-spacing: 0.08em;
  color: var(--white);
  line-height: 1.1;
}
.logo-name span { color: var(--gold); }
.logo-tag {
  font-size: 9px;
  letter-spacing: 0.14em;
  color: rgba(255,255,255,0.35);
  text-transform: uppercase;
  font-family: 'DM Sans', sans-serif;
  font-weight: 500;
  line-height: 1;
}

/* Desktop nav */
.main-nav {
  display: none;
  align-items: center;
  gap: 2px;
}
.nav-item { position: relative; }
.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 8px 13px;
  color: rgba(255,255,255,0.75);
  font-size: 13.5px;
  font-weight: 500;
  border-radius: var(--r-sm);
  transition: all 0.15s;
  cursor: pointer;
  white-space: nowrap;
}
.nav-link:hover { color: var(--white); background: rgba(255,255,255,0.07); }
.nav-link svg { width: 13px; height: 13px; opacity: 0.55; transition: transform 0.2s; }
.nav-item:hover .nav-link svg { transform: rotate(180deg); opacity: 0.9; }

.dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  background: var(--white);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--g200);
  min-width: 210px;
  padding: 6px;
  opacity: 0;
  pointer-events: none;
  transform: translateY(-6px);
  transition: all 0.18s ease;
}
.nav-item:hover .dropdown {
  opacity: 1; pointer-events: all; transform: translateY(0);
}
.dropdown a {
  display: block;
  padding: 9px 14px;
  color: var(--g800);
  font-size: 13.5px;
  border-radius: var(--r-sm);
  transition: background 0.12s;
  font-weight: 500;
}
.dropdown a:hover { background: var(--g100); color: var(--navy); }

/* Header actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}

/* Hamburger */
.hamburger {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  width: 40px; height: 40px;
  gap: 5px;
  background: rgba(255,255,255,0.07);
  border-radius: var(--r-sm);
  transition: background 0.15s;
}
.hamburger:hover { background: rgba(255,255,255,0.12); }
.hamburger span {
  display: block;
  width: 22px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all 0.25s;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile drawer */
.mobile-menu {
  display: none;
  position: fixed;
  top: var(--header-h);
  left: 0; right: 0; bottom: 0;
  background: var(--navy-dark);
  z-index: 998;
  overflow-y: auto;
  padding: 16px 20px 40px;
  flex-direction: column;
  gap: 2px;
}
.mobile-menu.open { display: flex; }
.mobile-link {
  display: block;
  padding: 14px 16px;
  color: rgba(255,255,255,0.8);
  font-size: 16px;
  font-weight: 500;
  border-radius: var(--r);
  border-bottom: 1px solid rgba(255,255,255,0.05);
  transition: all 0.15s;
}
.mobile-link:hover { background: rgba(255,255,255,0.06); color: var(--gold); }
.mobile-link.gold { color: var(--gold); font-weight: 700; }
.mobile-divider { height: 1px; background: rgba(255,255,255,0.06); margin: 8px 0; }
.mobile-cta-wrap { margin-top: 20px; }

/* ─── PAGE HERO (inner pages) ─── */
.page-hero {
  background: var(--navy);
  background-image:
    radial-gradient(ellipse 80% 60% at 80% 50%, rgba(201,168,76,0.07) 0%, transparent 55%),
    radial-gradient(ellipse 50% 100% at -10% 80%, rgba(107,21,40,0.7) 0%, transparent 50%);
  padding: 56px 0 64px;
  position: relative;
  overflow: hidden;
}
.page-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M0 60L60 0M-10 10L10-10M50 70L70 50' stroke='rgba(201,168,76,0.03)' stroke-width='1'/%3E%3C/svg%3E");
  pointer-events: none;
}
.page-hero-inner { position: relative; z-index: 1; }
.page-hero h1 { font-size: clamp(40px, 8vw, 72px); color: var(--white); }
.page-hero h1 em { color: var(--gold); font-style: normal; }
.page-hero p { font-size: 17px; color: rgba(255,255,255,0.65); margin-top: 14px; font-weight: 300; line-height: 1.7; max-width: 540px; }

/* ─── CARDS ─── */
.card {
  background: var(--white);
  border-radius: var(--r-lg);
  border: 1px solid var(--g200);
  overflow: hidden;
  transition: all 0.25s;
}
.card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.card-body { padding: 28px; }

.card-gold-top { border-top: 3px solid var(--gold); }
.card-navy { background: var(--navy); border-color: transparent; }
.card-navy .card-body { color: var(--white); }

/* ─── TRUST CHIPS ─── */
.trust-row { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.trust-chip {
  display: flex; align-items: center; gap: 7px;
  font-size: 13px; color: rgba(255,255,255,0.6); font-weight: 500;
}
.trust-chip .icon { color: var(--gold); }
.trust-chip-dark {
  display: flex; align-items: center; gap: 7px;
  font-size: 13px; color: var(--g600); font-weight: 500;
}
.trust-chip-dark .icon { color: var(--green); }

/* ─── BADGE / PILL ─── */
.badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 5px 13px;
  border-radius: 100px;
  font-size: 12px; font-weight: 600;
}
.badge-green { background: var(--green-bg); color: var(--green); }
.badge-gold  { background: rgba(201,168,76,0.12); color: var(--gold); border: 1px solid rgba(201,168,76,0.25); }
.badge-navy  { background: var(--navy); color: var(--white); }

/* Live dot */
.live-dot {
  width: 7px; height: 7px;
  background: var(--gold);
  border-radius: 50%;
  animation: blink 1.5s infinite;
}
@keyframes blink {
  0%,100% { opacity: 1; } 50% { opacity: 0.25; }
}

/* ─── FORMS ─── */
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-label {
  font-size: 13px; font-weight: 600; color: var(--navy);
  letter-spacing: 0.02em;
}
.form-label span { color: var(--red); }

.form-input, .form-select, .form-textarea {
  padding: 13px 16px;
  border: 2px solid var(--g200);
  border-radius: var(--r);
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  color: var(--navy);
  background: var(--white);
  outline: none;
  transition: border-color 0.15s, box-shadow 0.15s;
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.12);
}
.form-input::placeholder, .form-textarea::placeholder { color: var(--g400); }

.form-select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='%2352525B' viewBox='0 0 16 16'%3E%3Cpath d='M7.247 11.14L2.451 5.658C1.885 5.013 2.345 4 3.204 4h9.592a1 1 0 0 1 .753 1.659l-4.796 5.48a1 1 0 0 1-1.506 0z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
}

.form-hint { font-size: 12px; color: var(--g400); }

.form-grid { display: grid; gap: 16px; }
.form-grid-2 { grid-template-columns: 1fr 1fr; }
.form-grid-3 { grid-template-columns: repeat(3, 1fr); }

.form-section-title {
  font-family: 'DM Serif Display', serif;
  font-size: 18px;
  color: var(--navy);
  margin-bottom: 16px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--g200);
}

.radio-group { display: flex; flex-direction: column; gap: 10px; }
.radio-option {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  border: 2px solid var(--g200);
  border-radius: var(--r);
  cursor: pointer;
  transition: all 0.15s;
  font-weight: 500;
  font-size: 15px;
  color: var(--navy);
}
.radio-option:hover { border-color: var(--gold); background: rgba(201,168,76,0.04); }
.radio-option input { accent-color: var(--gold); width: 18px; height: 18px; }
.radio-option.selected { border-color: var(--gold); background: rgba(201,168,76,0.07); }

.checkbox-group { display: flex; flex-direction: column; gap: 8px; }
.checkbox-option {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 14px; color: var(--g600); cursor: pointer; line-height: 1.5;
}
.checkbox-option input { accent-color: var(--navy); width: 17px; height: 17px; flex-shrink: 0; margin-top: 2px; }

/* ─── STEPS ─── */
.steps { display: flex; flex-direction: column; gap: 24px; }
.step-item { display: flex; gap: 16px; align-items: flex-start; }
.step-num {
  width: 38px; height: 38px;
  background: var(--gold);
  color: var(--navy);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-weight: 800; font-size: 16px;
  flex-shrink: 0;
}
.step-num.outline {
  background: transparent;
  border: 2px solid var(--gold);
  color: var(--gold);
}
.step-content h5 { font-size: 16px; color: var(--navy); margin-bottom: 4px; }
.step-content p { font-size: 14px; color: var(--g600); line-height: 1.6; }

/* ─── BENEFIT LIST ─── */
.benefit-list { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.benefit-list li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 15px; color: var(--g600); line-height: 1.55;
}
.benefit-list li::before {
  content: '✓';
  color: var(--gold);
  font-weight: 800;
  flex-shrink: 0;
  font-size: 14px;
  margin-top: 1px;
}

/* ─── REQUIREMENT TABLE (sidebar) ─── */
.req-box {
  background: var(--white);
  border: 1px solid var(--g200);
  border-radius: var(--r-lg);
  padding: 24px;
  position: sticky;
  top: calc(var(--header-h) + 16px);
}
.req-box h4 { font-size: 15px; color: var(--navy); margin-bottom: 18px; padding-bottom: 14px; border-bottom: 1px solid var(--g200); }
.req-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 11px 0; border-bottom: 1px solid var(--g100);
  font-size: 14px;
}
.req-row:last-of-type { border-bottom: none; }
.req-row .lbl { color: var(--g600); }
.req-row .val { font-weight: 700; color: var(--navy); text-align: right; }

/* ─── STAT BAR ─── */
.stat-bar { display: flex; gap: 0; flex-wrap: wrap; border-radius: var(--r-lg); overflow: hidden; }
.stat-item {
  flex: 1; min-width: 140px;
  padding: 28px 24px;
  background: rgba(255,255,255,0.04);
  border-right: 1px solid rgba(255,255,255,0.07);
  text-align: center;
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: 'Bebas Neue', sans-serif;
  font-size: 44px;
  color: var(--gold);
  letter-spacing: 0.02em;
  line-height: 1;
  display: block;
}
.stat-label { font-size: 13px; color: rgba(255,255,255,0.45); margin-top: 4px; }

/* ─── REVIEW CARD ─── */
.review-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--r-lg);
  padding: 28px;
  transition: all 0.25s;
}
.review-card:hover { background: rgba(255,255,255,0.07); border-color: rgba(201,168,76,0.2); }
.stars { color: var(--gold); font-size: 17px; letter-spacing: 2px; margin-bottom: 14px; }
.review-text {
  font-size: 14px; color: rgba(255,255,255,0.75);
  line-height: 1.7; font-style: italic; font-weight: 300; margin-bottom: 18px;
}
.reviewer { display: flex; align-items: center; gap: 11px; }
.reviewer-avatar {
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--navy-light);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; color: var(--gold); font-size: 13px; flex-shrink: 0;
}
.reviewer-name { font-size: 13px; font-weight: 700; color: var(--white); }
.reviewer-role { font-size: 11px; color: rgba(255,255,255,0.38); }

/* ─── CTA BANNER ─── */
.cta-banner {
  background: var(--navy);
  background-image: radial-gradient(ellipse 70% 90% at 50% 110%, rgba(201,168,76,0.1) 0%, transparent 60%);
  padding: 72px 0;
  text-align: center;
}
.cta-banner h2 { color: var(--white); font-size: clamp(28px, 5vw, 44px); margin-bottom: 14px; }
.cta-banner p { color: rgba(255,255,255,0.58); font-size: 16px; margin-bottom: 32px; font-weight: 300; max-width: 480px; margin-left: auto; margin-right: auto; }
.cta-actions { display: flex; justify-content: center; gap: 12px; flex-wrap: wrap; }

/* ─── FAQ ACCORDION ─── */
.faq-list { display: flex; flex-direction: column; gap: 10px; max-width: 760px; margin: 0 auto; }
.faq-item {
  background: var(--g100);
  border-radius: var(--r-lg);
  border: 1px solid var(--g200);
  overflow: hidden;
}
.faq-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  text-align: left;
  cursor: pointer;
  background: none;
  border: none;
  font-family: 'DM Serif Display', serif;
  font-size: 17px;
  color: var(--navy);
  line-height: 1.3;
  transition: color 0.15s;
}
.faq-trigger:hover { color: var(--gold); }
.faq-icon {
  width: 28px; height: 28px;
  background: var(--g200);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  font-size: 18px;
  color: var(--g600);
  transition: all 0.25s;
  font-weight: 300;
}
.faq-item.open .faq-icon { background: var(--gold); color: var(--navy); transform: rotate(45deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
}
.faq-answer-inner {
  padding: 0 24px 20px;
  font-size: 15px;
  color: var(--g600);
  line-height: 1.75;
  font-weight: 300;
}
.faq-item.open .faq-answer { max-height: 400px; }

/* ─── TABLE ─── */
.table-wrap {
  overflow-x: auto;
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--g200);
}
table { width: 100%; border-collapse: collapse; font-size: 14px; min-width: 560px; }
thead { background: var(--navy); }
thead th {
  padding: 16px 20px;
  text-align: left;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.6);
  white-space: nowrap;
}
thead th:first-child { color: var(--gold); }
tbody tr { border-bottom: 1px solid var(--g200); transition: background 0.12s; }
tbody tr:last-child { border-bottom: none; }
tbody tr:hover { background: var(--cream); }
td { padding: 16px 20px; vertical-align: middle; color: var(--g800); }
td:first-child { font-weight: 700; color: var(--navy); }
.fund-badge {
  display: inline-flex;
  padding: 4px 10px;
  border-radius: 100px;
  font-size: 11px; font-weight: 700;
  background: var(--green-bg);
  color: var(--green);
}

/* ─── FOOTER ─── */
.site-footer {
  background: var(--navy-dark);
  padding: 56px 0 0;
  border-top: 1px solid rgba(201,168,76,0.15);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
  margin-bottom: 44px;
}
.footer-brand p {
  font-size: 13px; color: rgba(255,255,255,0.38);
  line-height: 1.7; margin-top: 14px; font-weight: 300;
}
.footer-col h5 {
  font-size: 11px; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 16px;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 9px; }
.footer-col ul li a {
  font-size: 13px; color: rgba(255,255,255,0.45);
  transition: color 0.15s;
}
.footer-col ul li a:hover { color: var(--white); }
.footer-contact-link {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; color: rgba(255,255,255,0.45);
  padding: 8px 0;
  transition: color 0.15s;
}
.footer-contact-link:hover { color: var(--gold); }

.footer-disclaimer {
  border-top: 1px solid rgba(255,255,255,0.05);
  padding: 24px 0;
  font-size: 11px;
  color: rgba(255,255,255,0.25);
  line-height: 1.8;
  font-weight: 300;
}
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
  padding: 16px 0;
  border-top: 1px solid rgba(255,255,255,0.04);
  font-size: 11px;
  color: rgba(255,255,255,0.2);
}

/* ─── SCROLL ANIMATION ─── */
.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ─── STICKY MOBILE CTA ─── */
.mobile-cta-bar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  background: var(--navy);
  border-top: 1px solid rgba(201,168,76,0.2);
  padding: 12px 20px;
  z-index: 900;
  gap: 10px;
  align-items: center;
}

/* ─── RESPONSIVE BREAKPOINTS ─── */

/* Tablet 640px+ */
@media (min-width: 640px) {
  .form-grid-2 { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: repeat(4, 1fr); }
}

/* Desktop 900px+ */
@media (min-width: 900px) {
  .main-nav { display: flex; }
  .hamburger { display: none; }
  .mobile-cta-bar { display: none !important; }

  .section { padding: 80px 0; }
  .section-lg { padding: 100px 0; }

  .footer-grid { gap: 48px; }
  .footer-brand { grid-column: span 1; }
}

/* Mobile only */
@media (max-width: 639px) {
  .form-grid-2 { grid-template-columns: 1fr; }
  .form-grid-3 { grid-template-columns: 1fr; }
  .hide-mobile { display: none !important; }
  .mobile-cta-bar { display: flex; }
  body { padding-bottom: 70px; }

  .section-title { font-size: 26px; }
  .page-hero h1 { font-size: 38px; }
}

/* ─── LEGAL PAGE ─── */
.legal-content {
  max-width: 780px;
  margin: 0 auto;
}
.legal-content h2 { font-size: 22px; color: var(--navy); margin: 36px 0 12px; }
.legal-content h3 { font-size: 17px; color: var(--navy); margin: 24px 0 8px; }
.legal-content p { font-size: 15px; color: var(--g600); line-height: 1.8; margin-bottom: 14px; font-weight: 300; }
.legal-content ul { margin: 8px 0 14px 20px; }
.legal-content ul li { font-size: 15px; color: var(--g600); line-height: 1.7; margin-bottom: 6px; font-weight: 300; }
.legal-content a { color: var(--gold); text-decoration: underline; }
.legal-effective { font-size: 13px; color: var(--g400); font-style: italic; margin-bottom: 28px; }

/* ─── UTILITY ─── */
.text-center { text-align: center; }
.mt-8 { margin-top: 8px; }
.mt-12 { margin-top: 12px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-32 { margin-top: 32px; }
.mb-16 { margin-bottom: 16px; }
.mb-24 { margin-bottom: 24px; }
.mb-32 { margin-bottom: 32px; }
.gap-12 { gap: 12px; }
.gap-16 { gap: 16px; }
.gap-24 { gap: 24px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }
.flex-wrap { flex-wrap: wrap; }
@media (max-width: 639px) {
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 899px) {
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: 1fr 1fr; }
}