/* Typhon National Finance: "Sovereign Trust" design system */
:root {
  --navy: #0b1a30;
  --navy-2: #13243f;
  --slate: #1e293b;
  --slate-2: #334155;
  --muted: #5b6577;
  --gold: #c5a059;
  --gold-dark: #a8853f;
  --gold-tint: #f7f0e1;
  --emerald: #059669;
  --line: #e2e8f0;
  --line-2: #cbd5e1;
  --canvas: #f8fafc;
  --white: #ffffff;

  --font-display: "Playfair Display", Georgia, serif;
  --font-head: "Montserrat", system-ui, sans-serif;
  --font-body: "Inter", system-ui, sans-serif;

  --radius: 4px;
  --radius-lg: 8px;
  --shadow-1: 0 1px 3px rgba(11, 26, 48, .06), 0 1px 2px -1px rgba(11, 26, 48, .05);
  --shadow-2: 0 20px 25px -5px rgba(11, 26, 48, .12), 0 8px 10px -6px rgba(11, 26, 48, .08);
  --ease-out: cubic-bezier(0.23, 1, 0.32, 1);      /* entering / UI response */
  --ease-in-out: cubic-bezier(0.77, 0, 0.175, 1);  /* on-screen movement */
  --ease-drawer: cubic-bezier(0.32, 0.72, 0, 1);   /* sheets / bars */
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 88px; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font: 400 16px/1.6 var(--font-body);
  color: var(--slate);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
h1, h2, h3 { font-family: var(--font-head); color: var(--navy); margin: 0 0 .5em; line-height: 1.15; letter-spacing: -.015em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.5rem); font-weight: 700; letter-spacing: -.02em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); font-weight: 600; }
h3 { font-size: 1.25rem; font-weight: 600; }
p { margin: 0 0 1em; }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }

.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.container--narrow { max-width: 820px; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 8px 12px; z-index: 100; }
.skip-link:focus { left: 8px; }

/* ---------- Atoms ---------- */
.eyebrow, .label {
  font: 700 .72rem/1.2 var(--font-head);
  letter-spacing: .14em; text-transform: uppercase;
  color: var(--gold-dark); margin: 0 0 12px;
}
.label { color: var(--muted); letter-spacing: .1em; }
.eyebrow--gold { color: var(--gold); }
.u-gold { color: var(--navy); background: linear-gradient(transparent 72%, rgba(197, 160, 89, .45) 72%) no-repeat 0 0 / 100% 100%; }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 44px; padding: 10px 20px;
  font: 600 .9rem/1 var(--font-head); letter-spacing: .02em;
  text-decoration: none; border: 1px solid transparent; border-radius: var(--radius);
  cursor: pointer; white-space: nowrap;
  position: relative; overflow: hidden; isolation: isolate;
  transition: background-color 200ms ease, color 200ms ease, border-color 200ms ease, transform 160ms var(--ease-out);
}
.btn:active { transform: scale(.97); }
.btn--lg { min-height: 52px; padding: 14px 26px; font-size: .95rem; }
.btn--block { width: 100%; }
.btn--gold { background: var(--gold); color: var(--navy); }
.btn--navy { background: var(--navy); color: #fff; }
.btn--outline { border-color: var(--slate); color: var(--navy); background: transparent; }
.btn--ghost { border-color: rgba(255, 255, 255, .4); color: #fff; }

.badge {
  display: inline-block; padding: 4px 8px; border-radius: var(--radius);
  font: 700 .66rem/1.2 var(--font-head); letter-spacing: .1em; text-transform: uppercase;
  background: #eef2f8; color: var(--slate-2); border: 1px solid var(--line);
}
.badge--navy { background: var(--navy); color: var(--gold); border-color: rgba(197, 160, 89, .4); }
.badge--gold { background: var(--gold-tint); color: #7a5b18; border-color: #ead9b3; }
.badge--amber { background: #fffbeb; color: #b45309; border-color: #fde68a; }
.badge--outline-gold { background: transparent; color: var(--gold); border-color: rgba(197, 160, 89, .5); }

.card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-1); }
.card--raised { box-shadow: var(--shadow-2); }

.checks { list-style: none; padding: 0; margin: 0 0 24px; }
.checks li { position: relative; padding-left: 26px; margin-bottom: 8px; font-size: .92rem; }
.checks li::before {
  content: ""; position: absolute; left: 0; top: .45em; width: 14px; height: 8px;
  border-left: 2px solid var(--emerald); border-bottom: 2px solid var(--emerald); transform: rotate(-45deg);
}
.checks--lg li { font-size: 1rem; margin-bottom: 12px; }

/* ---------- Topbar & header ---------- */
.topbar { background: var(--navy); color: #c9d2e3; font: 500 .75rem/1 var(--font-head); letter-spacing: .04em; }
.topbar__inner { display: flex; justify-content: space-between; gap: 16px; padding-block: 10px; }
.topbar a { color: var(--gold); text-decoration: none; }
.dot { display: inline-block; width: 6px; height: 6px; border-radius: 50%; background: var(--emerald); margin-right: 8px; vertical-align: middle; }

.header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .94); backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line); }
.header__inner { display: flex; align-items: center; justify-content: space-between; min-height: 76px; gap: 24px; }

.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--navy); }
.brand__seal { width: 52px; height: 52px; flex: none; }
.brand__words { display: grid; line-height: 1; }
.brand__name { font: 600 1.55rem/1 var(--font-display); letter-spacing: .12em; margin-right: -.12em; }
.brand__sub { display: flex; justify-content: space-between; }
.brand__sub i { font-style: normal; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.brand__sub { font: 600 .6rem/1 var(--font-head); color: var(--gold); margin-top: 7px; padding-top: 6px; border-top: 1px solid currentColor; border-top-color: rgba(11, 26, 48, .6); }
.brand--light .brand__sub { border-top-color: rgba(255, 255, 255, .5); }
.brand__sub .gap { width: .5em; }
.brand--light { color: #fff; }

.nav { display: flex; align-items: center; gap: 28px; }
.nav a:not(.btn) { font: 500 .88rem/1 var(--font-head); text-decoration: none; color: var(--slate-2); padding: 8px 0; position: relative; transition: color 200ms ease; }
.nav a:not(.btn)::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform .25s var(--ease-out); }

.menu-toggle { display: none; width: 44px; height: 44px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; cursor: pointer; padding: 0; flex-direction: column; align-items: center; justify-content: center; gap: 5px; }
.menu-toggle span { width: 20px; height: 2px; background: var(--navy); transition: transform .25s var(--ease-out), opacity .2s; }
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  padding: 64px 0 80px;
  background:
    radial-gradient(900px 400px at 0% 0%, var(--gold-tint), transparent 60%),
    linear-gradient(180deg, #fff, var(--canvas));
}
.hero__grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: start; }
.lead { font-size: 1.15rem; color: var(--slate-2); max-width: 36em; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 36px; }
.trust-chips { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }
.trust-chips li { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 12px; font-size: .78rem; color: var(--muted); }
.trust-chips strong { display: block; font: 700 .7rem/1.3 var(--font-head); letter-spacing: .08em; text-transform: uppercase; color: var(--navy); margin-bottom: 2px; }

/* ---------- Calculator ---------- */
.calc { padding: 28px; position: relative; border-top: 3px solid var(--gold); }
.calc__head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; margin-bottom: 20px; }
.calc__head .label { margin-bottom: 6px; }
.calc__title { font-size: 1.4rem; margin: 0; }
.calc__row { display: flex; justify-content: space-between; align-items: baseline; }
.calc__row .label { margin: 0; }
.calc__amount { font: 700 2rem/1 var(--font-head); color: var(--navy); font-variant-numeric: tabular-nums; }

input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 28px; margin: 16px 0 12px; background: transparent; cursor: pointer;
  --fill: 50%;
}
input[type="range"]::-webkit-slider-runnable-track { height: 6px; border-radius: 99px; background: linear-gradient(90deg, var(--gold) var(--fill), var(--line-2) var(--fill)); }
input[type="range"]::-moz-range-track { height: 6px; border-radius: 99px; background: var(--line-2); }
input[type="range"]::-moz-range-progress { height: 6px; border-radius: 99px; background: var(--gold); }
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 24px; height: 24px; margin-top: -9px; border-radius: 50%;
  background: var(--navy); border: 3px solid var(--gold); box-shadow: 0 2px 8px rgba(11, 26, 48, .3);
  transition: transform 160ms var(--ease-out);
}
input[type="range"]::-moz-range-thumb { width: 18px; height: 18px; border-radius: 50%; background: var(--navy); border: 3px solid var(--gold); box-shadow: 0 2px 8px rgba(11, 26, 48, .3); transition: transform 160ms var(--ease-out); }
input[type="range"]:active::-webkit-slider-thumb { transform: scale(1.15); }
input[type="range"]:active::-moz-range-thumb { transform: scale(1.15); }
.quick { display: flex; flex-wrap: wrap; gap: 6px; }
.quick button, .segmented button {
  font: 600 .78rem/1 var(--font-head); color: var(--slate-2);
  border: 1px solid var(--line-2); background: #fff; border-radius: var(--radius);
  padding: 8px 10px; cursor: pointer;
  transition: background-color 150ms ease, border-color 150ms ease, color 150ms ease, transform 160ms var(--ease-out);
}
.quick button:active, .segmented button:active { transform: scale(.97); }
.quick button.is-active { background: var(--gold-tint); border-color: var(--gold); color: var(--navy); }
.hint { font-size: .75rem; color: var(--muted); margin: 8px 0 20px; }
.segmented { position: relative; display: grid; grid-template-columns: repeat(3, 1fr); gap: 4px; padding: 4px; background: #f1f5f9; border-radius: var(--radius); margin-bottom: 20px; }
.segmented button { position: relative; z-index: 1; border-color: transparent; background: transparent; padding: 10px 4px; min-height: 40px; }
.segmented button.is-active { color: #fff; }
.segmented__indicator {
  position: absolute; top: 4px; bottom: 4px; left: 4px; width: calc((100% - 16px) / 3);
  background: var(--navy); border-radius: var(--radius); box-shadow: 0 2px 6px rgba(11, 26, 48, .25);
  transition: transform 250ms var(--ease-in-out);
}
html:not(.js) .segmented button.is-active { background: var(--navy); }
.segmented button:disabled { opacity: .35; cursor: not-allowed; }

.calc__summary { background: var(--canvas); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 18px; margin-bottom: 20px; }
.calc__instalment { display: flex; justify-content: space-between; align-items: baseline; padding-bottom: 12px; border-bottom: 1px solid var(--line); margin-bottom: 8px; }
.calc__instalment span { font-size: .85rem; color: var(--muted); }
.calc__instalment strong { font: 700 1.9rem/1 var(--font-head); color: var(--navy); font-variant-numeric: tabular-nums; }
.ledger { margin: 0; }
.ledger > div { display: flex; justify-content: space-between; gap: 12px; padding: 6px 0; font-size: .88rem; }
.ledger dt { color: var(--muted); }
.ledger dd { margin: 0; font-weight: 600; color: var(--navy); font-variant-numeric: tabular-nums; text-align: right; }
.ledger__total { border-top: 1px dashed var(--line-2); margin-top: 4px; padding-top: 10px !important; }
.ledger--plain > div { border-bottom: 1px solid #f1f5f9; padding: 10px 0; }
.ledger--plain a { color: var(--navy); }
.fine { font-size: .75rem; color: var(--muted); margin: 12px 0 0; }
.tick { color: var(--emerald); font-weight: 700; }

/* ---------- Trust bar ---------- */
.trustbar { background: var(--navy-2); color: #c9d2e3; }
.trustbar__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; padding-block: 28px; }
.trustbar__grid > div { display: flex; gap: 12px; align-items: flex-start; }
.trustbar p { margin: 0; font-size: .82rem; line-height: 1.5; }
.trustbar strong { font: 700 .72rem/1.4 var(--font-head); letter-spacing: .1em; text-transform: uppercase; color: #fff; }
.ic { color: var(--gold); font-size: .7rem; line-height: 1.9; }

/* ---------- Sections ---------- */
.section { padding: 96px 0; }
.section--tint { background: var(--canvas); border-block: 1px solid var(--line); }
.section--navy { background: var(--navy); color: #c9d2e3; }
.section--navy h2, .section--navy h3 { color: #fff; }
.section__head { margin-bottom: 48px; max-width: 720px; }
.section__head--center { text-align: center; margin-inline: auto; }
.section__lead { font-size: 1.05rem; color: var(--muted); }
.section--navy .section__lead { color: #9fb0c9; }

/* ---------- Products ---------- */
.products { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; align-items: stretch; }
.product { padding: 28px; display: flex; flex-direction: column; position: relative; transition: transform 250ms var(--ease-out); }
.product::after { content: ""; position: absolute; inset: 0; border-radius: inherit; box-shadow: 0 24px 40px -12px rgba(11, 26, 48, .22); opacity: 0; transition: opacity 250ms var(--ease-out); pointer-events: none; }
.product p { color: var(--muted); font-size: .93rem; }
.example { margin: auto 0 24px; padding: 14px 16px; background: var(--canvas); border: 1px solid var(--line); border-radius: var(--radius); }
.example > div { padding: 5px 0; font-size: .86rem; }
.example__head dt { font: 700 .68rem/1.4 var(--font-head); letter-spacing: .1em; text-transform: uppercase; color: var(--gold-dark); }
.product-notes { display: flex; flex-wrap: wrap; justify-content: center; gap: 8px 32px; margin: 32px 0 0; }
.product-notes li { margin: 0; }
.product__meta { display: flex; justify-content: space-between; align-items: center; font: 600 .72rem/1 var(--font-head); letter-spacing: .08em; text-transform: uppercase; color: var(--muted) !important; }
.product--featured { border-top: 3px solid var(--gold); box-shadow: var(--shadow-2); }

/* ---------- Steps ---------- */
.how { position: relative; overflow: hidden; }
.how::before { content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(700px 360px at 50% 0%, rgba(197, 160, 89, .14), transparent 70%),
    linear-gradient(rgba(255, 255, 255, .03) 1px, transparent 1px) 0 0 / 48px 48px,
    linear-gradient(90deg, rgba(255, 255, 255, .03) 1px, transparent 1px) 0 0 / 48px 48px;
  mask-image: linear-gradient(180deg, #000 40%, transparent);
}
.how .container { position: relative; }

.timeline { position: relative; }
/* Track runs through the centre of the three nodes */
.timeline__track { position: absolute; left: calc(100% / 6); right: calc(100% / 6); top: 31px; height: 2px; background: rgba(255, 255, 255, .12); border-radius: 2px; overflow: hidden; }
.timeline__fill { position: absolute; inset: 0; background: linear-gradient(90deg, var(--gold), #e6cf9a); transform: scaleX(0); transform-origin: left; }

.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.step { position: relative; display: flex; flex-direction: column; align-items: center; }
.step__node {
  position: relative; z-index: 1; display: grid; place-items: center; width: 64px; height: 64px; margin-bottom: 28px;
  border-radius: 50%; background: var(--navy); border: 2px solid rgba(255, 255, 255, .18); color: #8ea0bb;
  transition: border-color 400ms ease, color 400ms ease, background-color 400ms ease, box-shadow 400ms ease, transform 400ms var(--ease-out);
}
.step__node svg { width: 26px; height: 26px; fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.step.is-lit .step__node { border-color: var(--gold); color: var(--navy); background: var(--gold); box-shadow: 0 0 0 8px rgba(197, 160, 89, .15), 0 10px 30px rgba(197, 160, 89, .35); transform: scale(1.06); }

.step__card {
  position: relative; overflow: hidden; width: 100%; flex: 1; padding: 32px 28px 28px;
  background: linear-gradient(180deg, rgba(255, 255, 255, .06), rgba(255, 255, 255, .02));
  border: 1px solid rgba(255, 255, 255, .09); border-radius: var(--radius-lg);
  transition: border-color 400ms ease, transform 250ms var(--ease-out);
}
.step__card::before { content: ""; position: absolute; inset: 0 0 auto; height: 3px; background: linear-gradient(90deg, var(--gold), #e6cf9a); transform: scaleX(0); transform-origin: left; transition: transform 500ms var(--ease-out); }
.step.is-lit .step__card { border-color: rgba(197, 160, 89, .35); }
.step.is-lit .step__card::before { transform: scaleX(1); }
.step__big {
  position: absolute; right: 16px; top: 12px; font: 600 4.5rem/1 var(--font-display);
  color: transparent; -webkit-text-stroke: 1px rgba(197, 160, 89, .35); pointer-events: none; user-select: none;
  transition: -webkit-text-stroke-color 400ms ease;
}
.step.is-lit .step__big { -webkit-text-stroke-color: rgba(197, 160, 89, .7); }
.step__time { font: 700 .68rem/1 var(--font-head); letter-spacing: .14em; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.step h3 { font-size: 1.3rem; margin-bottom: 10px; padding-right: 76px; }
.step p:not(.step__time) { font-size: .93rem; margin: 0; color: #b6c3d8; }
.secure-note { text-align: center; margin: 36px 0 0; font-size: .85rem; color: #9fb0c9; }

/* ---------- Apply form ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.split--apply { align-items: center; }
.warn { font-size: .85rem; background: #fffbeb; border: 1px solid #fde68a; color: #92400e; padding: 12px 14px; border-radius: var(--radius); }
.apply-form { padding: 32px; }
.field { margin-bottom: 18px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field label { display: block; font: 700 .7rem/1 var(--font-head); letter-spacing: .1em; text-transform: uppercase; color: var(--slate-2); margin-bottom: 8px; }
.field input, .field select {
  width: 100%; min-height: 48px; padding: 10px 12px;
  font: 400 16px/1.2 var(--font-body); color: var(--navy);
  background: #fff; border: 1px solid var(--line-2); border-radius: var(--radius);
  transition: border-color .15s, box-shadow .15s;
}
.field input:focus, .field select:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(197, 160, 89, .3); }
.prefix { display: flex; }
.prefix span { display: grid; place-items: center; padding: 0 12px; background: #f1f5f9; border: 1px solid var(--line-2); border-right: 0; border-radius: var(--radius) 0 0 var(--radius); font-weight: 700; color: var(--slate-2); }
.prefix input { border-radius: 0 var(--radius) var(--radius) 0; font-variant-numeric: tabular-nums; }
.field__note { font-size: .78rem; color: var(--muted); margin: 6px 0 0; }
.field__err { display: none; color: #ba1a1a; font-size: .78rem; margin: 6px 0 0; }
.is-invalid .field__err, .field__err--consent.is-shown { display: block; }
.is-invalid input { border-color: #ba1a1a; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .82rem; color: var(--muted); margin: 4px 0 6px; cursor: pointer; }
.consent input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--navy); flex: none; }
.apply-form .btn { margin-top: 14px; }
.form-success[hidden] { display: none; }
.form-success { margin-top: 16px; padding: 14px 16px; background: #ecfdf5; border: 1px solid #a7f3d0; color: #065f46; border-radius: var(--radius); font-size: .9rem; display: grid; gap: 4px;
  transition: opacity 300ms var(--ease-out), transform 300ms var(--ease-out);
  @starting-style { opacity: 0; transform: translateY(8px) scale(.98); }
}

/* ---------- FAQ ---------- */
.faq-section { position: relative; overflow: hidden; background: linear-gradient(180deg, #fff 0%, var(--canvas) 100%); }
.faq-section::before {
  content: "?"; position: absolute; right: 3%; top: 24px; font: 600 400px/1 var(--font-display);
  color: var(--gold); opacity: .06; pointer-events: none; user-select: none;
}
.faq-layout { position: relative; display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: 64px; align-items: start; }
.faq-intro { position: sticky; top: 112px; }
.faq-intro h2 { margin-bottom: 16px; }

.help-card {
  position: relative; overflow: hidden; margin-top: 32px; padding: 28px;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); color: #c9d2e3;
  border-radius: var(--radius-lg); box-shadow: var(--shadow-2);
}
.help-card::after { content: ""; position: absolute; inset: 0 0 auto; height: 3px; background: linear-gradient(90deg, var(--gold), #e6cf9a, var(--gold)); }
.help-card__seal { width: 56px; height: 56px; margin-bottom: 16px; }
.help-card__title { font: 600 1.25rem/1.3 var(--font-head); color: #fff; margin-bottom: 6px; }
.help-card__text { font-size: .9rem; color: #9fb0c9; margin-bottom: 20px; }
.help-card__actions { display: flex; flex-wrap: wrap; gap: 10px; }
.help-card__mail { display: inline-block; margin-top: 16px; font-size: .85rem; color: var(--gold); text-decoration: none; border-bottom: 1px solid rgba(197, 160, 89, .4); transition: border-color 200ms ease; }

.faq { display: grid; gap: 14px; }
.faq details {
  position: relative; overflow: hidden; background: #fff;
  border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-1);
  transition: border-color 250ms ease, box-shadow 250ms ease;
}
.faq details::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px; background: var(--gold);
  transform: scaleY(0); transform-origin: top; transition: transform 300ms var(--ease-out);
}
.faq details[open] { border-color: rgba(197, 160, 89, .55); box-shadow: 0 18px 32px -14px rgba(11, 26, 48, .18); background: linear-gradient(180deg, #fffdf8, #fff 60%); }
.faq details[open]::before { transform: scaleY(1); }

.faq summary {
  list-style: none; cursor: pointer; display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 18px;
  padding: 22px 24px; color: var(--navy);
}
.faq summary::-webkit-details-marker { display: none; }
.faq__num { font: 600 1.35rem/1 var(--font-display); color: var(--gold); min-width: 2ch; }
.faq__q { font: 600 1.02rem/1.4 var(--font-head); transition: color 200ms ease; }
.faq__icon {
  position: relative; width: 34px; height: 34px; border-radius: 50%; border: 1px solid var(--line-2); flex: none;
  transition: background-color 250ms ease, border-color 250ms ease, transform 300ms var(--ease-out);
}
.faq__icon::before, .faq__icon::after {
  content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 2px; margin: -1px 0 0 -6px;
  background: var(--navy); border-radius: 2px; transition: background-color 250ms ease;
}
.faq__icon::after { transform: rotate(90deg); }
.faq details[open] .faq__icon { background: var(--navy); border-color: var(--navy); transform: rotate(135deg); }
.faq details[open] .faq__icon::before, .faq details[open] .faq__icon::after { background: var(--gold); }

.faq__a { padding: 0 24px 24px calc(24px + 2ch + 22px); }
.faq__a p { margin: 0; color: var(--slate-2); line-height: 1.7; }
.faq__a a { color: var(--gold-dark); font-weight: 600; text-decoration: none; border-bottom: 1px solid rgba(168, 133, 63, .35); }
.faq details[open] .faq__a { animation: faq-in 300ms var(--ease-out); }
@keyframes faq-in { from { opacity: 0; transform: translateY(-6px); } }
@supports (interpolate-size: allow-keywords) {
  .faq { interpolate-size: allow-keywords; }
  .faq details::details-content { height: 0; overflow: clip; transition: height 250ms var(--ease-out), content-visibility 250ms allow-discrete; }
  .faq details[open]::details-content { height: auto; }
}

/* ---------- CTA & footer ---------- */
.ticker { position: relative; overflow: hidden; padding: 28px 0; background: var(--navy); border-top: 1px solid rgba(197, 160, 89, .25); }
.ticker::before, .ticker::after { content: ""; position: absolute; top: 0; bottom: 0; width: 120px; z-index: 1; pointer-events: none; }
.ticker::before { left: 0; background: linear-gradient(90deg, var(--navy), transparent); }
.ticker::after { right: 0; background: linear-gradient(-90deg, var(--navy), transparent); }
.ticker__lane { display: flex; width: max-content; animation: ticker 48s linear infinite; }
.ticker__lane--facts { animation-direction: reverse; }
.ticker__lane--logos { margin-top: 22px; animation-duration: 36s; }
.ticker__list { display: flex; align-items: center; gap: 28px; list-style: none; margin: 0; padding: 0 14px; flex: none; }
.ticker__list li { white-space: nowrap; font: 600 1.05rem/1 var(--font-head); color: #e6ebf3; letter-spacing: .01em; }
.ticker__mark { color: var(--gold) !important; font-size: .7rem !important; }
.ticker__lane--logos .ticker__list { gap: 72px; padding: 0 36px; }
.ticker__logo { display: flex; align-items: center; justify-content: center; width: 160px; height: 56px; opacity: .85; transition: opacity 200ms ease, transform 200ms var(--ease-out); }
.ticker__logo img { width: auto; height: auto; max-width: 100%; max-height: 100%; }
@keyframes ticker { to { transform: translateX(-50%); } }

.footer { position: relative; overflow: hidden; background: radial-gradient(1200px 500px at 85% 0%, rgba(197, 160, 89, .10), transparent 60%), #071222; color: #9fb0c9; padding: 72px 0 28px; font-size: .9rem; }
.footer::before { content: ""; position: absolute; inset: 0 0 auto; height: 1px; background: linear-gradient(90deg, transparent, var(--gold) 20%, #e6cf9a 50%, var(--gold) 80%, transparent); opacity: .7; }
.footer__watermark { position: absolute; right: -120px; bottom: -140px; width: 520px; height: 520px; opacity: .04; pointer-events: none; }
.footer .container { position: relative; }

.footer__top { display: flex; justify-content: space-between; align-items: flex-end; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255, 255, 255, .08); }
.footer__brand p { margin: 20px 0 18px; max-width: 30em; font-size: .95rem; color: #b6c3d8; }
.brand--lg .brand__seal { width: 64px; height: 64px; }
.brand--lg .brand__name { font-size: 1.9rem; }
.brand--lg .brand__sub { font-size: .7rem; }
.footer__badges { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 8px; }
.footer__badges li { padding: 6px 10px; border: 1px solid rgba(197, 160, 89, .35); border-radius: 99px; font: 600 .66rem/1 var(--font-head); letter-spacing: .1em; text-transform: uppercase; color: var(--gold); background: rgba(197, 160, 89, .06); }
.footer__cta { text-align: right; flex: none; }
.footer__cta-title { font: 600 1.6rem/1.2 var(--font-display); color: #fff; margin-bottom: 6px; }
.footer__cta p:not(.footer__cta-title) { margin-bottom: 18px; }

.footer__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px; padding: 48px 0; }
.footer h3 { font: 700 .72rem/1 var(--font-head); letter-spacing: .14em; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; display: flex; align-items: center; gap: 10px; }
.footer h3::after { content: ""; flex: 1; max-width: 32px; height: 1px; background: rgba(197, 160, 89, .5); }
.footer a:not(.btn):not(.brand) { color: #c9d2e3; text-decoration: none; }
.footer__links { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.footer__links a { position: relative; display: inline-flex; align-items: center; gap: 10px; transition: color 200ms ease; }
.footer__links a::after { content: ""; position: absolute; left: 0; right: 0; bottom: -3px; height: 1px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform 250ms var(--ease-out); }
.footer__links--icons a::after { left: 28px; }
.footer svg { width: 18px; height: 18px; flex: none; fill: none; stroke: var(--gold); stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.footer__contact { display: flex; gap: 10px; margin: 0 0 16px; color: #c9d2e3; line-height: 1.6; }
.footer__contact svg { margin-top: 3px; }
.footer__hours { margin: 0; padding: 12px 14px; border: 1px solid rgba(255, 255, 255, .08); border-radius: var(--radius); background: rgba(255, 255, 255, .02); }
.footer__hours > div { display: flex; justify-content: space-between; gap: 12px; padding: 3px 0; font-size: .82rem; }
.footer__hours dd { margin: 0; color: #fff; font-variant-numeric: tabular-nums; }

.footer__advisory { position: relative; padding: 18px 20px 18px 24px; border: 1px solid rgba(255, 255, 255, .08); border-radius: var(--radius-lg); background: rgba(255, 255, 255, .025); font-size: .78rem; line-height: 1.7; color: #8d9bb3; }
.footer__advisory::before { content: ""; position: absolute; left: 0; top: 14px; bottom: 14px; width: 3px; border-radius: 0 3px 3px 0; background: var(--gold); }
.footer__advisory p { margin: 0; }
.footer__advisory-label { font: 700 .66rem/1 var(--font-head) !important; letter-spacing: .14em; text-transform: uppercase; color: var(--gold) !important; margin-bottom: 8px !important; }

.footer__bottom { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-top: 24px; font-size: .78rem; color: #6f7f99; }
.footer__bottom p { margin: 0; }
.to-top { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border: 1px solid rgba(197, 160, 89, .4); border-radius: 99px; font: 600 .72rem/1 var(--font-head); letter-spacing: .08em; text-transform: uppercase; color: var(--gold) !important; transition: background-color 200ms ease, border-color 200ms ease, transform 160ms var(--ease-out); }
.to-top span { display: inline-block; transition: transform 250ms var(--ease-out); }
.to-top:active { transform: scale(.97); }

.mobile-bar { display: none; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .nav { gap: 20px; }
  .trust-chips { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 960px) {
  .hero__grid, .split { grid-template-columns: 1fr; gap: 40px; }
  .products { grid-template-columns: 1fr; max-width: 560px; margin-inline: auto; }
  .timeline { max-width: 560px; margin-inline: auto; }
  .steps { grid-template-columns: 1fr; gap: 24px; }
  .step { flex-direction: row; align-items: flex-start; gap: 20px; }
  .step__node { width: 52px; height: 52px; margin: 0; flex: none; }
  .timeline__track { left: 25px; right: auto; top: 26px; bottom: 26px; width: 2px; height: auto; }
  .timeline__fill { transform: scaleY(0); transform-origin: top; }
  .trustbar__grid { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .footer__top { flex-direction: column; align-items: flex-start; }
  .footer__cta { text-align: left; }
  .faq-layout { grid-template-columns: 1fr; gap: 0; }
  .faq-intro .section__lead { margin-bottom: 32px; }
  .help-card { margin-top: 32px !important; }
  .faq-intro { display: contents; }
  .faq-intro > * { order: 0; }
  .faq { order: 1; }
  .help-card { order: 2; }
  .faq-section::before { display: none; }

  .menu-toggle { display: inline-flex; }
  .nav {
    position: fixed; inset: 0 0 auto 0; top: var(--header-h, 76px);
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-2);
    padding: 8px 24px 24px;
    transform: translateY(-8px); opacity: 0; visibility: hidden;
    transition: opacity .2s var(--ease-out), transform .2s var(--ease-out), visibility 0s .2s;
  }
  .nav.is-open { transform: none; opacity: 1; visibility: visible; transition: opacity .2s var(--ease-out), transform .2s var(--ease-out); }
  .nav a:not(.btn) { padding: 16px 0; border-bottom: 1px solid #f1f5f9; font-size: 1rem; }
  .nav > a { opacity: 0; transform: translateY(-6px); transition: opacity 150ms ease, transform 150ms var(--ease-out); }
  .nav.is-open > a { opacity: 1; transform: none; transition-duration: 250ms; transition-delay: calc(var(--i, 0) * 40ms + 60ms); }
  .nav a:not(.btn)::after { display: none; }
  .nav__cta { margin-top: 16px; min-height: 52px; }
}

@media (max-width: 640px) {
  body { font-size: 15px; padding-bottom: calc(76px + env(safe-area-inset-bottom)); }
  .container { padding: 0 16px; }
  .topbar__right { display: none; }
  .header__inner { min-height: 64px; }
  .brand__seal { width: 42px; height: 42px; }
  .brand__name { font-size: 1.25rem; }
  .brand__sub { font-size: .52rem; }
  .hero { padding: 40px 0 56px; }
  .hero__actions .btn { flex: 1 1 100%; }
  .trust-chips li { padding: 10px; }
  .calc, .apply-form { padding: 20px; }
  .calc__amount { font-size: 1.7rem; }
  .section { padding: 64px 0; }
  .section__head { margin-bottom: 32px; }
  .trustbar__grid { grid-template-columns: 1fr 1fr; gap: 18px; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .ticker__logo { width: 120px; height: 44px; }
  .ticker__lane--logos .ticker__list { gap: 44px; padding: 0 22px; }
  .step__big { font-size: 3.2rem; right: 12px; top: 14px; }
  .step h3 { padding-right: 52px; }
  .step__card { padding: 24px 20px 22px; }
  .footer__grid { grid-template-columns: 1fr; gap: 32px; }
  .footer__bottom { flex-direction: column-reverse; align-items: flex-start; }
  .footer__watermark { width: 340px; height: 340px; right: -110px; bottom: -90px; }
  .faq summary { gap: 12px; padding: 18px 16px; }
  .faq__a { padding: 0 16px 20px; }

  .mobile-bar {
    display: grid; grid-template-columns: 1fr 1.4fr; gap: 10px;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 40;
    padding: 10px 16px calc(10px + env(safe-area-inset-bottom));
    background: rgba(255, 255, 255, .96); backdrop-filter: blur(10px);
    border-top: 1px solid var(--line); box-shadow: 0 -6px 20px rgba(11, 26, 48, .08);
    transition: transform 400ms var(--ease-drawer);
  }
  html.js .mobile-bar:not(.is-visible) { transform: translateY(110%); }
  .mobile-bar .btn { min-height: 48px; }
}


/* =========================================================
   Motion
   Marketing surface, mostly seen once per visit: entrances and
   reveals may take their time; anything repeated stays fast.
   ========================================================= */

/* Header gains depth once the page scrolls under it */
.header::after { content: ""; position: absolute; inset: auto 0 -1px; height: 12px; transform: translateY(100%); background: linear-gradient(rgba(11, 26, 48, .08), transparent); opacity: 0; transition: opacity 200ms ease; pointer-events: none; }
.header.is-scrolled::after { opacity: 1; }

/* Hero: ambient gold glow that drifts slowly behind the content */
.hero { position: relative; overflow: hidden; background: linear-gradient(180deg, #fff, var(--canvas)); }
.hero::before {
  content: ""; position: absolute; width: 900px; height: 600px; left: -300px; top: -260px;
  background: radial-gradient(closest-side, rgba(197, 160, 89, .28), transparent);
  animation: glow-drift 16s ease-in-out infinite alternate; pointer-events: none;
}
.hero__grid { position: relative; }
@keyframes glow-drift { to { transform: translate(180px, 120px) scale(1.15); } }

/* Hero: staggered first-load entrance */
@keyframes rise { from { opacity: 0; transform: translateY(18px); } }
.hero__copy > *, .calc { animation: rise 800ms var(--ease-out) both; }
.hero__copy > :nth-child(1) { animation-delay: 80ms; }
.hero__copy > :nth-child(2) { animation-delay: 150ms; }
.hero__copy > :nth-child(3) { animation-delay: 220ms; }
.hero__copy > :nth-child(4) { animation-delay: 290ms; }
.hero__copy > :nth-child(5) { animation-delay: 360ms; }
.calc { animation-delay: 260ms; }

/* Gold highlight sweeps under the headline once it has landed */
@keyframes highlight { from { background-size: 0% 100%; } }
.hero .u-gold { animation: highlight 900ms var(--ease-in-out) 650ms both; }

/* The seal stamps into place */
@keyframes seal-in { from { opacity: 0; transform: rotate(-120deg) scale(.9); } }
.header .brand__seal { animation: seal-in 900ms var(--ease-out) both; }

/* Scroll reveal: once per element, never re-triggered */
html.js .reveal { transition: opacity 700ms var(--ease-out), transform 700ms var(--ease-out); transition-delay: calc(var(--i, 0) * 80ms); }
html.js .reveal:not(.is-in) { opacity: 0; transform: translateY(24px); }

/* Hover affordances, only for real pointers */
@media (hover: hover) and (pointer: fine) {
  .btn--gold:hover { background: #d1ae6a; }
  .btn--navy:hover { background: var(--slate); }
  .btn--outline:hover { background: #f1f5f9; }
  .btn--ghost:hover { background: rgba(255, 255, 255, .08); }

  /* Sheen across the primary gold buttons */
  .btn--gold::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(105deg, transparent 35%, rgba(255, 255, 255, .45) 50%, transparent 65%); transform: translateX(-100%); }
  .btn--gold:hover::after { transform: translateX(100%); transition: transform 700ms var(--ease-out); }

  .nav a:not(.btn):hover { color: var(--navy); }
  .nav a:not(.btn):hover::after { transform: scaleX(1); }

  .quick button:hover, .segmented button:not(.is-active):hover { border-color: var(--navy); }
  .segmented button:not(.is-active):hover { color: var(--navy); }

  .product:hover { transform: translateY(-6px); }
  .step__card:hover { transform: translateY(-4px); }
  .ticker:hover .ticker__lane { animation-play-state: paused; }
  .ticker__logo:hover { opacity: 1; transform: translateY(-3px); }
  .product:hover::after { opacity: 1; }

  .faq summary:hover .faq__q { color: var(--gold-dark); }
  .faq details:not([open]) summary:hover .faq__icon { border-color: var(--gold); transform: rotate(90deg); }
  .help-card__mail:hover { border-color: var(--gold); }
  .footer__links a:hover { color: #fff; }
  .footer__links a:hover::after { transform: scaleX(1); }
  .to-top:hover { background: rgba(197, 160, 89, .1); border-color: var(--gold); }
  .to-top:hover span { transform: translateY(-3px); }
}

/* Reduced motion: keep fades that aid comprehension, drop movement */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .hero::before { animation: none; }
  .ticker__lane { animation: none; flex-wrap: wrap; width: auto; justify-content: center; }
  .ticker__lane .ticker__list[aria-hidden] { display: none; }
  .ticker__list { flex-wrap: wrap; justify-content: center; row-gap: 12px; }
  .step__node, .step.is-lit .step__node { transform: none; }
  @keyframes rise { from { opacity: 0; } }
  @keyframes seal-in { from { opacity: 0; } }
  @keyframes faq-in { from { opacity: 0; } }
  .hero .u-gold { animation: none; }
  html.js .reveal:not(.is-in) { transform: none; }
  .btn--gold::after { display: none; }
  .btn:active, .quick button:active, .segmented button:active { transform: none; }
  .segmented__indicator, .mobile-bar, .nav, .nav > a { transition: opacity 200ms ease !important; }
  .nav > a, .nav.is-open > a { transform: none; }
  .product, .product:hover { transform: none; }
  .faq__icon, .faq details::before { transition: background-color 250ms ease, border-color 250ms ease; }
}

/* =========================================================
   Preview gate (test domain only; remove at launch)
   ========================================================= */
.gate { display: none; }
html.locked { overflow: hidden; }
html.locked .gate, .gate.is-leaving {
  position: fixed; inset: 0; z-index: 1000; display: grid; place-items: center; padding: 24px; overflow-y: auto;
  background:
    radial-gradient(700px 480px at 50% 18%, rgba(197, 160, 89, .20), transparent 70%),
    linear-gradient(rgba(255, 255, 255, .03) 1px, transparent 1px) 0 0 / 48px 48px,
    linear-gradient(90deg, rgba(255, 255, 255, .03) 1px, transparent 1px) 0 0 / 48px 48px,
    linear-gradient(160deg, var(--navy) 0%, #071222 100%);
}
.gate.is-leaving { opacity: 0; transform: scale(1.02); transition: opacity 500ms var(--ease-out), transform 500ms var(--ease-out); pointer-events: none; }

/* Hold the page's own entrance until the gate lifts, so the hero still plays */
html.locked .hero__copy > *, html.locked .calc, html.locked .header .brand__seal, html.locked .hero .u-gold { animation-play-state: paused; }

.gate__panel {
  width: min(440px, 100%); padding: 40px 36px 32px; text-align: center; color: #c9d2e3;
  background: linear-gradient(180deg, rgba(255, 255, 255, .06), rgba(255, 255, 255, .02));
  border: 1px solid rgba(197, 160, 89, .35); border-radius: 16px;
  box-shadow: 0 30px 60px -20px rgba(0, 0, 0, .6);
  animation: rise 700ms var(--ease-out) 120ms both;
}
.gate__seal { width: 104px; height: 104px; margin: 0 auto 20px; animation: seal-in 900ms var(--ease-out) both; filter: drop-shadow(0 10px 24px rgba(0, 0, 0, .4)); }
.gate__eyebrow { display: block; width: fit-content; margin-inline: auto; padding: 7px 12px; border: 1px solid rgba(197, 160, 89, .45); border-radius: 99px; font: 700 .66rem/1 var(--font-head); letter-spacing: .16em; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.gate__word { display: grid; width: fit-content; margin: 0 auto 24px; line-height: 1; }
.gate__word b { font: 600 2.1rem/1 var(--font-display); letter-spacing: .12em; margin-right: -.12em; color: #fff; }
.gate__word span { display: flex; justify-content: space-between; margin-top: 8px; padding-top: 7px; border-top: 1px solid rgba(255, 255, 255, .5); font: 700 .66rem/1 var(--font-head); color: var(--gold); }
.gate__word i { font-style: normal; }
.gate__word .gap { width: .5em; }
.gate__title { font-size: 1.15rem; color: #fff; margin-bottom: 18px; letter-spacing: 0; }

.gate__field { display: flex; gap: 8px; }
.gate__field input {
  flex: 1; min-width: 0; min-height: 50px; padding: 0 16px;
  font: 400 16px/1 var(--font-body); color: #fff;
  background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .2); border-radius: var(--radius);
  transition: border-color 150ms ease, box-shadow 150ms ease;
}
.gate__field input::placeholder { color: #8ea0bb; }
.gate__field input:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(197, 160, 89, .3); }
.gate__field .btn { min-height: 50px; padding-inline: 22px; }
.gate__remember { display: inline-flex; align-items: center; gap: 8px; margin-top: 14px; font-size: .82rem; color: #9fb0c9; cursor: pointer; }
.gate__remember input { width: 16px; height: 16px; accent-color: var(--gold); }
.gate__error { margin: 12px 0 0; font-size: .85rem; color: #fca5a5; }
.gate__note { margin: 24px 0 0; padding-top: 18px; border-top: 1px solid rgba(255, 255, 255, .08); font-size: .75rem; color: #7d8ca5; }

@media (max-width: 420px) {
  .gate__panel { padding: 32px 22px 26px; }
  .gate__field { flex-direction: column; }
}