/* =====================================================================
   Wealth Vision Research — royal blue theme
   Palette, layout primitives, components, responsive rules.
   ===================================================================== */

:root {
  --royal-950: #050d24;
  --royal-900: #07153a;
  --royal-800: #0b1c4a;
  --royal-700: #12296b;
  --royal-600: #1a3a8f;
  --royal-500: #2450c8;
  --royal-400: #3f6fe0;
  --royal-300: #7ba0f0;
  --royal-100: #e4ecfd;
  --royal-50:  #f3f7ff;

  --gold-600: #a8862f;
  --gold-500: #c9a227;
  --gold-400: #d8b34a;
  --gold-100: #f8f0d8;

  --ink:      #101a33;
  --ink-soft: #46536f;
  --ink-mute: #6b7897;
  --line:     #dde5f4;
  --line-soft:#eaf0fb;
  --white:    #ffffff;
  --paper:    #f7f9fe;

  --ok-bg:   #e8f7ee;
  --ok-fg:   #146c3a;
  --warn-bg: #fff6e5;
  --warn-fg: #8a5b00;
  --err-bg:  #fdecec;
  --err-fg:  #a12626;

  --radius:   14px;
  --radius-l: 20px;
  --shadow-s: 0 2px 8px rgba(11, 28, 74, .06);
  --shadow-m: 0 10px 30px rgba(11, 28, 74, .09);
  --shadow-l: 0 24px 60px rgba(11, 28, 74, .14);

  --wrap: 1200px;
  --font: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, Arial, sans-serif;
  --serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
}

*, *::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(--ink);
  background: var(--white);
  overflow-x: hidden;
}

img, svg { max-width: 100%; }
img { height: auto; display: block; }

a { color: var(--royal-600); text-decoration: none; }
a:hover { color: var(--royal-500); text-decoration: underline; }

h1, h2, h3, h4 { margin: 0 0 .6em; line-height: 1.22; color: var(--royal-900); font-weight: 700; letter-spacing: -.015em; }
h1 { font-size: clamp(1.9rem, 4.4vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.15rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.4rem); }
h4 { font-size: 1.05rem; }
p  { margin: 0 0 1.1em; }
ul, ol { margin: 0 0 1.2em; padding-left: 1.25rem; }
li { margin-bottom: .5em; }
strong { color: var(--royal-900); font-weight: 700; }

:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 2px; border-radius: 4px; }

.wrap { width: min(var(--wrap), 100% - 2.5rem); margin-inline: auto; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 999;
  background: var(--royal-800); color: #fff; padding: .8rem 1.2rem; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; }

/* ------------------------------ Top bar ---------------------------- */
.topbar { background: linear-gradient(100deg, var(--royal-950), var(--royal-800) 55%, var(--royal-700)); color: #cfdcf7; font-size: .82rem; }
.topbar__inner { display: flex; flex-wrap: wrap; gap: .4rem 1.4rem; align-items: center; justify-content: space-between; padding: .5rem 0; }
.topbar__reg { margin: 0; display: flex; flex-wrap: wrap; align-items: center; gap: .55rem; }
.topbar__badge {
  background: rgba(216, 179, 74, .16); color: var(--gold-400);
  border: 1px solid rgba(216, 179, 74, .35);
  padding: .16rem .6rem; border-radius: 999px; font-weight: 600; letter-spacing: .02em; font-size: .74rem; text-transform: uppercase;
}
.topbar__regno strong { color: #fff; letter-spacing: .03em; }
.topbar__contact { list-style: none; display: flex; flex-wrap: wrap; gap: .3rem 1.3rem; margin: 0; padding: 0; }
.topbar__contact li { margin: 0; }
.topbar__contact a { color: #cfdcf7; display: inline-flex; align-items: center; gap: .4rem; font-weight: 500; }
.topbar__contact a:hover { color: #fff; text-decoration: none; }
.topbar__contact svg { width: 15px; height: 15px; fill: var(--gold-400); flex: none; }

/* ------------------------------ Masthead --------------------------- */
.masthead { position: sticky; top: 0; z-index: 60; background: #fff; border-bottom: 1px solid var(--line); }
.masthead.is-stuck { box-shadow: var(--shadow-m); }
.masthead__inner { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .7rem 0; }

.brand { display: inline-flex; align-items: center; gap: .7rem; color: inherit; }
.brand:hover { text-decoration: none; }
.brand__mark { width: 46px; height: 46px; flex: none; display: block; }
.brand__mark svg { width: 100%; height: 100%; display: block; border-radius: 12px; }
.brand__name { display: block; font-family: var(--serif); font-size: 1.32rem; font-weight: 700; color: var(--royal-900); line-height: 1.15; letter-spacing: -.01em; }
.brand__name em { font-style: normal; color: var(--gold-600); }
.brand__tag { display: block; font-size: .68rem; letter-spacing: .07em; text-transform: uppercase; color: var(--ink-mute); font-weight: 600; margin-top: 2px; }

.navtoggle { display: none; width: 46px; height: 42px; border: 1px solid var(--line); background: var(--royal-50); border-radius: 10px; cursor: pointer; padding: 10px 11px; flex-direction: column; justify-content: space-between; }
.navtoggle span { display: block; height: 2.5px; width: 100%; background: var(--royal-700); border-radius: 2px; transition: transform .25s, opacity .2s; }
.navtoggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(8.5px) rotate(45deg); }
.navtoggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.navtoggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-8.5px) rotate(-45deg); }

.nav__list { list-style: none; display: flex; align-items: center; gap: .2rem; margin: 0; padding: 0; }
.nav__list li { margin: 0; }
.nav__list > li > a {
  display: block; padding: .6rem .78rem; border-radius: 9px;
  font-size: .93rem; font-weight: 600; color: var(--royal-800);
}
.nav__list > li > a:hover { background: var(--royal-50); color: var(--royal-600); text-decoration: none; }
.nav__list > li > a[aria-current="page"] { color: var(--royal-500); background: var(--royal-50); }
.nav__cta { margin-left: .5rem; }

/* ------------------------------ Buttons ---------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  padding: .8rem 1.5rem; border-radius: 10px; font-weight: 650; font-size: .95rem;
  border: 1.5px solid transparent; cursor: pointer; text-align: center;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
}
.btn:hover { text-decoration: none; transform: translateY(-2px); }
.btn--primary { background: linear-gradient(120deg, var(--royal-600), var(--royal-500)); color: #fff; box-shadow: 0 8px 22px rgba(36, 80, 200, .28); }
.btn--primary:hover { color: #fff; box-shadow: 0 12px 28px rgba(36, 80, 200, .36); }
.btn--gold { background: linear-gradient(120deg, var(--gold-500), var(--gold-400)); color: var(--royal-950); box-shadow: 0 8px 20px rgba(201, 162, 39, .3); font-weight: 700; }
.btn--gold:hover { color: var(--royal-950); }
.btn--ghost { border-color: rgba(255, 255, 255, .5); color: #fff; background: rgba(255, 255, 255, .06); }
.btn--ghost:hover { background: rgba(255, 255, 255, .15); color: #fff; }
.btn--outline { border-color: var(--royal-500); color: var(--royal-600); background: #fff; }
.btn--outline:hover { background: var(--royal-50); color: var(--royal-600); }
.btn--wide { width: 100%; }

/* ------------------------------ Page head -------------------------- */
.pagehead {
  background:
    radial-gradient(900px 320px at 12% -30%, rgba(63, 111, 224, .5), transparent 65%),
    linear-gradient(120deg, var(--royal-950), var(--royal-800) 60%, var(--royal-700));
  color: #fff; padding: 2.8rem 0 3rem; position: relative; overflow: hidden;
}
.pagehead::after {
  content: ''; position: absolute; inset: auto -10% -70% 55%; height: 260px;
  background: radial-gradient(closest-side, rgba(216, 179, 74, .22), transparent);
}
.pagehead h1 { color: #fff; margin-bottom: .35rem; position: relative; }
.pagehead__sub { color: #c6d5f4; max-width: 62ch; margin: 0; position: relative; font-size: 1.03rem; }

.crumbs { margin-bottom: .9rem; position: relative; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: .45rem; margin: 0; padding: 0; font-size: .84rem; }
.crumbs li { margin: 0; color: #a9bde6; }
.crumbs li + li::before { content: '/'; margin-right: .45rem; color: rgba(255, 255, 255, .35); }
.crumbs a { color: #cfdcf7; }
.crumbs a:hover { color: var(--gold-400); }

/* ------------------------------ Sections --------------------------- */
.section { padding: 4rem 0; }
.section--tight { padding: 2.8rem 0; }
.section--paper { background: var(--paper); }
.section--line { border-top: 1px solid var(--line-soft); }

.section__head { max-width: 780px; margin: 0 auto 2.6rem; text-align: center; }
.section__head--left { margin-left: 0; text-align: left; }
.eyebrow {
  display: inline-block; font-size: .74rem; font-weight: 700; letter-spacing: .14em;
  text-transform: uppercase; color: var(--gold-600); margin-bottom: .7rem;
}
.section__head p { color: var(--ink-soft); font-size: 1.03rem; margin-bottom: 0; }

.prose { max-width: 78ch; }
.prose h2 { margin-top: 2.2rem; padding-bottom: .5rem; border-bottom: 2px solid var(--line-soft); }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.6rem; color: var(--royal-700); }
.prose li { color: var(--ink-soft); }
.prose p { color: var(--ink-soft); }

/* ------------------------------ Hero ------------------------------- */
.hero {
  position: relative; color: #fff; overflow: hidden;
  background:
    radial-gradient(820px 460px at 80% -10%, rgba(63, 111, 224, .55), transparent 60%),
    radial-gradient(620px 420px at 5% 110%, rgba(201, 162, 39, .22), transparent 60%),
    linear-gradient(125deg, var(--royal-950) 5%, var(--royal-800) 50%, var(--royal-700) 100%);
}
.hero__grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 3rem; align-items: center; padding: 4.2rem 0 4.6rem; }
.hero__badge {
  display: inline-flex; align-items: center; gap: .55rem; padding: .4rem .9rem; border-radius: 999px;
  background: rgba(216, 179, 74, .14); border: 1px solid rgba(216, 179, 74, .4);
  color: var(--gold-400); font-size: .78rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  margin-bottom: 1.2rem;
}
.hero__badge::before { content: ''; width: 7px; height: 7px; border-radius: 50%; background: var(--gold-400); box-shadow: 0 0 0 4px rgba(216, 179, 74, .2); }
.hero h1 { color: #fff; font-size: clamp(2.05rem, 4.6vw, 3.35rem); margin-bottom: .8rem; }
.hero h1 em { font-style: normal; color: var(--gold-400); }
.hero__lead { color: #c9d8f6; font-size: 1.08rem; max-width: 58ch; margin-bottom: 1.6rem; }
.hero__actions { display: flex; flex-wrap: wrap; gap: .85rem; margin-bottom: 1.8rem; }
.hero__points { list-style: none; padding: 0; margin: 0; display: grid; gap: .55rem; }
.hero__points li { display: flex; gap: .6rem; align-items: flex-start; color: #d3e0f8; font-size: .95rem; margin: 0; }
.hero__points li::before {
  content: '✓'; flex: none; width: 20px; height: 20px; border-radius: 50%;
  background: rgba(216, 179, 74, .18); color: var(--gold-400);
  display: grid; place-items: center; font-size: .72rem; font-weight: 700; margin-top: 2px;
}

/* Single-column hero for the one-page site. */
.hero--simple { padding: 4.4rem 0 4.8rem; text-align: left; }
.hero--simple h1 { max-width: 18ch; }
.hero--simple .hero__lead { max-width: 60ch; margin-bottom: 1.8rem; }
.hero--simple .hero__actions { margin-bottom: 0; }

.hero__card {
  background: rgba(255, 255, 255, .96); color: var(--ink); border-radius: var(--radius-l);
  padding: 1.7rem; box-shadow: var(--shadow-l); border: 1px solid rgba(255, 255, 255, .6);
}
.hero__card h2 { font-size: 1.15rem; margin-bottom: .2rem; }
.hero__card > p { font-size: .88rem; color: var(--ink-mute); margin-bottom: 1.1rem; }
.hero__card dl { margin: 0 0 1.2rem; display: grid; gap: .55rem; }
.hero__card dl > div { display: flex; justify-content: space-between; gap: 1rem; padding-bottom: .55rem; border-bottom: 1px dashed var(--line); font-size: .88rem; }
.hero__card dl > div:last-child { border-bottom: 0; padding-bottom: 0; }
.hero__card dt { color: var(--ink-mute); }
.hero__card dd { margin: 0; font-weight: 700; color: var(--royal-800); text-align: right; }

/* ------------------------------ Cards ------------------------------ */
.grid { display: grid; gap: 1.4rem; }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid--4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.6rem; box-shadow: var(--shadow-s);
  transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-m); border-color: var(--royal-300); }
.card h3 { margin-bottom: .5rem; }
.card p { color: var(--ink-soft); font-size: .95rem; margin-bottom: 0; }
.card__icon {
  width: 48px; height: 48px; border-radius: 12px; margin-bottom: 1rem;
  display: grid; place-items: center;
  background: linear-gradient(135deg, var(--royal-600), var(--royal-500));
  color: #fff; font-weight: 700; font-size: 1.05rem;
}
.card__icon svg { width: 24px; height: 24px; fill: #fff; }
.card--gold .card__icon { background: linear-gradient(135deg, var(--gold-600), var(--gold-400)); color: var(--royal-950); }
.card ul { margin: .9rem 0 0; padding-left: 1.1rem; }
.card li { font-size: .92rem; color: var(--ink-soft); }

.stat { text-align: center; padding: 1.4rem 1rem; }
.stat b { display: block; font-family: var(--serif); font-size: clamp(1.7rem, 3.5vw, 2.4rem); color: var(--royal-600); line-height: 1.1; }
.stat span { display: block; font-size: .85rem; color: var(--ink-mute); margin-top: .35rem; font-weight: 600; }

/* ---------------------------- Definition list ---------------------- */
.dl-table { border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: #fff; }
.dl-table > div { display: grid; grid-template-columns: 260px 1fr; gap: 0; border-bottom: 1px solid var(--line-soft); }
.dl-table > div:last-child { border-bottom: 0; }
.dl-table dt { padding: .95rem 1.2rem; background: var(--royal-50); font-weight: 650; color: var(--royal-800); font-size: .92rem; }
.dl-table dd { padding: .95rem 1.2rem; margin: 0; color: var(--ink-soft); font-size: .95rem; }
.dl-table dd strong { color: var(--royal-700); }

/* ------------------------------ Tables ----------------------------- */
.table-scroll { position: relative; overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.table-scroll.has-overflow { box-shadow: inset -18px 0 18px -18px rgba(11, 28, 74, .45); }
.scrollhint { margin: .5rem 0 0; font-size: .78rem; font-weight: 600; color: var(--royal-500); letter-spacing: .02em; }
.scrollhint[hidden] { display: none; }
table.data { width: 100%; border-collapse: collapse; min-width: 640px; font-size: .92rem; }
table.data caption { caption-side: top; text-align: left; padding: 1rem 1.1rem .4rem; font-weight: 650; color: var(--royal-800); }
table.data th, table.data td { padding: .8rem 1.1rem; text-align: left; border-bottom: 1px solid var(--line-soft); vertical-align: top; }
table.data thead th { background: var(--royal-800); color: #fff; font-weight: 600; font-size: .85rem; letter-spacing: .02em; border-bottom: 0; }
table.data tbody tr:nth-child(even) { background: var(--royal-50); }
table.data tbody tr:last-child td { border-bottom: 0; }
table.data td b { color: var(--royal-800); }

/* ------------------------------ Notes ------------------------------ */
.note { border-left: 4px solid var(--royal-500); background: var(--royal-50); padding: 1.05rem 1.2rem; border-radius: 0 var(--radius) var(--radius) 0; margin: 1.4rem 0; }
.note p:last-child { margin-bottom: 0; }
.note--gold { border-left-color: var(--gold-500); background: var(--gold-100); }
.note--warn { border-left-color: #d99100; background: var(--warn-bg); }
.note h3 { margin-bottom: .4rem; font-size: 1.02rem; }

/* ------------------------------ CTA band --------------------------- */
.ctaband {
  background:
    radial-gradient(700px 300px at 85% 0%, rgba(63, 111, 224, .45), transparent 60%),
    linear-gradient(120deg, var(--royal-900), var(--royal-700));
  color: #fff; border-radius: var(--radius-l); padding: 2.6rem; text-align: center;
}
.ctaband h2 { color: #fff; }
.ctaband p { color: #c6d5f4; max-width: 62ch; margin: 0 auto 1.5rem; }
.ctaband__actions { display: flex; flex-wrap: wrap; gap: .85rem; justify-content: center; }

/* ------------------------------ Steps ------------------------------ */
.steps { list-style: none; padding: 0; margin: 0; display: grid; gap: 1.2rem; counter-reset: step; }
.steps li {
  position: relative; padding: 1.3rem 1.4rem 1.3rem 4.1rem; background: #fff;
  border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-s); margin: 0;
}
.steps li::before {
  counter-increment: step; content: counter(step);
  position: absolute; left: 1.25rem; top: 1.25rem; width: 34px; height: 34px; border-radius: 50%;
  background: linear-gradient(135deg, var(--royal-600), var(--royal-500)); color: #fff;
  display: grid; place-items: center; font-weight: 700; font-size: .95rem;
}
.steps h3 { font-size: 1.03rem; margin-bottom: .3rem; }
.steps p { margin: 0; color: var(--ink-soft); font-size: .93rem; }

/* ------------------------------ Accordion -------------------------- */
.faq { display: grid; gap: .8rem; }
.faq details { border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: var(--shadow-s); overflow: hidden; }
.faq summary {
  cursor: pointer; padding: 1.05rem 3rem 1.05rem 1.2rem; font-weight: 650; color: var(--royal-800);
  list-style: none; position: relative; font-size: 1rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: '+'; position: absolute; right: 1.1rem; top: 50%; transform: translateY(-50%);
  width: 26px; height: 26px; border-radius: 50%; background: var(--royal-50); color: var(--royal-600);
  display: grid; place-items: center; font-size: 1.15rem; font-weight: 700; line-height: 1;
}
.faq details[open] summary::after { content: '–'; background: var(--royal-500); color: #fff; }
.faq details[open] summary { color: var(--royal-500); }
.faq .faq__body { padding: 0 1.2rem 1.15rem; color: var(--ink-soft); font-size: .95rem; }
.faq .faq__body p:last-child { margin-bottom: 0; }

/* ------------------------------ Forms ------------------------------ */
.formcard { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-l); padding: 1.9rem; box-shadow: var(--shadow-m); }
.field { margin-bottom: 1.15rem; }
.field label { display: block; font-weight: 600; font-size: .9rem; color: var(--royal-800); margin-bottom: .4rem; }
.field .req { color: #c0392b; }
.field input, .field select, .field textarea {
  width: 100%; padding: .8rem .95rem; border: 1.5px solid var(--line); border-radius: 10px;
  font: inherit; font-size: .95rem; color: var(--ink); background: #fff; transition: border-color .18s, box-shadow .18s;
}
.field textarea { min-height: 140px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--royal-500); box-shadow: 0 0 0 4px rgba(36, 80, 200, .12);
}
.field input[aria-invalid="true"], .field textarea[aria-invalid="true"] { border-color: #c0392b; }
.field .hint { display: block; font-size: .8rem; color: var(--ink-mute); margin-top: .35rem; }
.field .error { display: block; font-size: .82rem; color: #a12626; margin-top: .35rem; font-weight: 600; }
.field--check { display: flex; gap: .65rem; align-items: flex-start; }
.field--check input { width: auto; margin-top: .3rem; flex: none; }
.field--check label { font-weight: 500; font-size: .88rem; color: var(--ink-soft); margin: 0; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

.alert { padding: 1rem 1.2rem; border-radius: var(--radius); margin-bottom: 1.4rem; font-size: .93rem; border: 1px solid transparent; }
.alert p:last-child { margin-bottom: 0; }
.alert--ok  { background: var(--ok-bg);  color: var(--ok-fg);  border-color: #b9e3c9; }
.alert--err { background: var(--err-bg); color: var(--err-fg); border-color: #f2c6c6; }

/* ------------------------------ Contact tiles ---------------------- */
.contact-tiles { display: grid; gap: 1.2rem; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.tile { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.4rem; box-shadow: var(--shadow-s); }
.tile__icon { width: 42px; height: 42px; border-radius: 11px; background: var(--royal-50); display: grid; place-items: center; margin-bottom: .9rem; }
.tile__icon svg { width: 21px; height: 21px; fill: var(--royal-600); }
.tile h3 { font-size: 1rem; margin-bottom: .35rem; }
.tile p, .tile address { margin: 0; font-style: normal; color: var(--ink-soft); font-size: .93rem; line-height: 1.6; }
.tile a { font-weight: 600; word-break: break-word; }

/* ------------------------------ Stat band -------------------------- */
.statband { background: var(--royal-950); color: #b9c9ea; padding: 1.5rem 0; border-top: 3px solid var(--gold-500); }
.statband__inner p { margin: 0 0 .5rem; font-size: .86rem; line-height: 1.65; }
.statband__inner p:last-child { margin-bottom: 0; }
.statband__inner strong { color: var(--gold-400); }

/* ------------------------------ Footer ----------------------------- */
.footer { background: linear-gradient(160deg, var(--royal-900), var(--royal-800) 70%); color: #b9c9ea; font-size: .91rem; }
.footer__simple { display: grid; grid-template-columns: 1.4fr 1fr; gap: 2.4rem; padding: 2.8rem 0 2.2rem; }
.footer__name { font-family: var(--serif); font-size: 1.25rem; color: #fff; margin: 0 0 .7rem; font-weight: 700; }
.footer__name em { font-style: normal; color: var(--gold-400); }
.footer__simple .footer__links { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 0 1.2rem; }
.footer__grid { display: grid; grid-template-columns: 1.45fr .9fr 1.15fr 1.7fr; gap: 2.2rem; padding: 3.2rem 0 2.4rem; }
.footer h2, .footer h3 { color: #fff; }
.footer__title { font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-400); margin-bottom: 1.1rem; font-weight: 700; }
.brand--footer .brand__name { color: #fff; font-size: 1.25rem; }
.brand--footer .brand__name em { color: var(--gold-400); }
.footer__blurb { color: #a8bbe2; margin: .9rem 0 1.2rem; font-size: .89rem; }
.footer__links { list-style: none; padding: 0; margin: 0; }
.footer__links li { margin-bottom: .55rem; }
.footer__links a { color: #b9c9ea; }
.footer__links a:hover { color: var(--gold-400); text-decoration: none; padding-left: 3px; transition: padding-left .15s; }
.footer__address { font-style: normal; color: #b9c9ea; margin-bottom: 1.1rem; line-height: 1.75; }
.footer__address strong { color: #fff; }
/* Base link colour is a dark blue that is unreadable on the navy footer. */
.footer__address a { color: var(--gold-400); }
.footer__address a:hover { color: #fff; }
.footer__contact { list-style: none; padding: 0; margin: 0; display: grid; gap: .5rem; }
.footer__contact li { display: grid; grid-template-columns: 104px 1fr; gap: .5rem; margin: 0; font-size: .86rem; align-items: baseline; }
.footer__contact span { color: #7f95c4; }
.footer__contact b { color: #fff; font-weight: 600; }
.footer__contact a { color: var(--gold-400); word-break: break-word; }

.regcard { margin: 0; display: grid; gap: .5rem; padding: 1rem 1.1rem; background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .1); border-radius: var(--radius); }
.regcard > div { display: grid; grid-template-columns: 1fr auto; gap: .8rem; font-size: .82rem; align-items: baseline; }
.regcard dt { color: #8ea5d3; }
.regcard dd { margin: 0; color: #fff; font-weight: 700; text-align: right; }

.footer__reg { background: rgba(0, 0, 0, .22); border-top: 1px solid rgba(255, 255, 255, .08); padding: 1.4rem 0; }
.footer__reg p { margin: 0 0 .6rem; font-size: .84rem; color: #a8bbe2; line-height: 1.7; }
.footer__reg p:last-child { margin-bottom: 0; }
.footer__reg a { color: var(--gold-400); font-weight: 600; }
.footer__reg strong { color: #fff; }

.footer__bottom { background: var(--royal-950); padding: 1rem 0; }
.footer__bottom-inner { display: flex; flex-wrap: wrap; gap: .6rem 1.4rem; align-items: center; justify-content: space-between; }
.footer__bottom p { margin: 0; font-size: .82rem; color: #8ea5d3; }
.footer__bottom ul { list-style: none; display: flex; flex-wrap: wrap; gap: 1.1rem; margin: 0; padding: 0; }
.footer__bottom li { margin: 0; }
.footer__bottom a { color: #8ea5d3; font-size: .82rem; }
.footer__bottom a:hover { color: var(--gold-400); }

/* ------------------------------ Call FAB --------------------------- */
.callfab {
  position: fixed; right: 1rem; bottom: 1rem; z-index: 70; display: none;
  align-items: center; gap: .5rem; padding: .8rem 1.2rem; border-radius: 999px;
  background: linear-gradient(120deg, var(--gold-500), var(--gold-400)); color: var(--royal-950);
  font-weight: 700; font-size: .92rem; box-shadow: 0 10px 28px rgba(11, 28, 74, .35);
}
.callfab:hover { color: var(--royal-950); text-decoration: none; }
.callfab svg { width: 18px; height: 18px; fill: var(--royal-950); }

/* ------------------------------ Utilities -------------------------- */
.text-center { text-align: center; }
.mb-0 { margin-bottom: 0; }
.mt-2 { margin-top: 2rem; }
.muted { color: var(--ink-mute); font-size: .86rem; }
.pill { display: inline-block; padding: .2rem .7rem; border-radius: 999px; background: var(--royal-50); color: var(--royal-600); font-size: .76rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; }

/* ------------------------------ Responsive ------------------------- */
@media (max-width: 1080px) {
  .footer__grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .hero__grid { gap: 2rem; }
}

@media (max-width: 960px) {
  .navtoggle { display: flex; }
  .nav {
    position: fixed; inset: 0 0 0 auto; width: min(340px, 86vw); background: #fff;
    transform: translateX(105%); transition: transform .28s ease; z-index: 80;
    box-shadow: -18px 0 50px rgba(11, 28, 74, .2); padding: 5.2rem 1.3rem 2rem; overflow-y: auto;
  }
  body.nav-open .nav { transform: translateX(0); }
  body.nav-open { overflow: hidden; }
  body.nav-open::after { content: ''; position: fixed; inset: 0; background: rgba(5, 13, 36, .55); z-index: 75; }
  /* The sticky masthead creates its own stacking context, so it must sit above
     the scrim for the drawer (and the toggle) to stay interactive. */
  body.nav-open .masthead { z-index: 90; }
  .navtoggle { position: relative; z-index: 85; }
  .nav__list { flex-direction: column; align-items: stretch; gap: .15rem; }
  .nav__list > li > a { padding: .85rem .9rem; font-size: 1rem; border-bottom: 1px solid var(--line-soft); border-radius: 8px; }
  .nav__cta { margin: 1rem 0 0; }
  .nav__cta .btn { width: 100%; }

  .hero__grid { grid-template-columns: 1fr; padding: 3rem 0 3.4rem; }
  .grid--3, .grid--4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .contact-tiles { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .dl-table > div { grid-template-columns: 200px 1fr; }
}

@media (max-width: 720px) {
  body { font-size: 15.5px; }
  .topbar { font-size: .76rem; }
  .topbar__inner { justify-content: center; text-align: center; padding: .45rem 0; }
  .topbar__contact { justify-content: center; }
  .section { padding: 2.8rem 0; }
  .grid--2, .grid--3, .grid--4 { grid-template-columns: 1fr; }
  .contact-tiles { grid-template-columns: 1fr; }
  .footer__grid { grid-template-columns: 1fr; gap: 1.9rem; padding: 2.4rem 0 1.8rem; }
  .footer__simple { grid-template-columns: 1fr; gap: 1.7rem; padding: 2.2rem 0 1.6rem; }
  .hero--simple { padding: 2.8rem 0 3.2rem; }
  .dl-table > div { grid-template-columns: 1fr; }
  .dl-table dt { padding-bottom: .3rem; }
  .dl-table dd { padding-top: .35rem; }
  .ctaband { padding: 2rem 1.3rem; }
  .formcard { padding: 1.3rem; }
  .pagehead { padding: 2.1rem 0 2.3rem; }
  .callfab { display: inline-flex; }
  .footer__bottom-inner { flex-direction: column; align-items: flex-start; }
  .hero__actions .btn { width: 100%; }
  .brand__mark { width: 40px; height: 40px; }
  .brand__name { font-size: 1.12rem; }
  .brand__tag { font-size: .6rem; letter-spacing: .05em; }
  .footer__contact li { grid-template-columns: 1fr; gap: 0; }
  .footer__contact span { font-size: .78rem; }
  main { padding-bottom: 3.5rem; }
}

@media (max-width: 400px) {
  .wrap { width: min(var(--wrap), 100% - 1.7rem); }
  .brand__tag { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; scroll-behavior: auto !important; }
  .btn:hover, .card:hover { transform: none; }
}

@media print {
  .topbar, .masthead, .callfab, .ctaband, .footer__bottom { display: none !important; }
  body { color: #000; font-size: 11pt; }
  .pagehead { background: none; color: #000; padding: 0 0 1rem; }
  .pagehead h1 { color: #000; }
  a { color: #000; text-decoration: underline; }
}