/* ============================================================
   Credence Credit — Premium Design System
   Trust & Authority style · IBM Plex Sans · navy + blue + teal
   ============================================================ */

/* ---------- 1. Design tokens ---------- */
:root {
  --color-navy-950: #061225;
  --color-navy-900: #081a33;
  --color-navy-800: #0c2340;
  --color-navy-700: #123157;
  --color-blue-600: #1556d8;
  --color-blue-500: #1d6bff;
  --color-blue-400: #4d8cff;
  --color-teal-500: #0fb5ba;
  --color-green-500: #1db954;
  --color-gold-500: #f5b100;
  --color-red-500: #e5484d;

  --color-bg: #ffffff;
  --color-bg-soft: #f4f7fb;
  --color-bg-tint: #eef3fa;
  --color-surface: #ffffff;
  --color-text: #0c1f36;
  --color-text-soft: #44566e;
  --color-text-mute: #6b7c92;
  --color-border: #e2e8f1;
  --color-border-strong: #cbd6e4;

  --grad-primary: linear-gradient(135deg, #0a2540 0%, #123157 55%, #1556d8 130%);
  --grad-cta: linear-gradient(135deg, #1556d8 0%, #0fb5ba 100%);

  --shadow-sm: 0 1px 3px rgba(8, 26, 51, .08), 0 1px 2px rgba(8, 26, 51, .06);
  --shadow-md: 0 6px 18px rgba(8, 26, 51, .10), 0 2px 6px rgba(8, 26, 51, .06);
  --shadow-lg: 0 24px 48px rgba(8, 26, 51, .14), 0 8px 16px rgba(8, 26, 51, .08);
  --shadow-glow: 0 12px 32px rgba(29, 107, 255, .35);

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-pill: 999px;

  --font-sans: "IBM Plex Sans", "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  --space-1: 4px;
  --space-2: 8px;
  --space-3: 16px;
  --space-4: 24px;
  --space-5: 32px;
  --space-6: 48px;
  --space-7: 72px;
  --space-8: 104px;

  --container: 1180px;
  --header-h: 74px;
  --ease: cubic-bezier(.22, .61, .36, 1);
  --ease-spring: cubic-bezier(.34, 1.56, .64, 1);
  --dur: 200ms;
}

/* ---------- 2. Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--color-text);
  background: var(--color-bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img, svg, video { max-width: 100%; display: block; }
input, select, textarea, button { font: inherit; color: inherit; }
button { cursor: pointer; }
a { color: var(--color-blue-600); text-decoration: none; }
a:hover { color: var(--color-blue-500); }
p { margin: 0 0 1em; }
h1, h2, h3, h4 { line-height: 1.15; margin: 0 0 .5em; letter-spacing: -0.01em; }

h1 { font-size: clamp(2.35rem, 5vw, 3.7rem); font-weight: 700; }
h2 { font-size: clamp(1.85rem, 3.4vw, 2.6rem); font-weight: 700; }
h3 { font-size: 1.3rem; font-weight: 600; }
h4 { font-size: 1.05rem; font-weight: 600; }

:focus-visible { outline: 3px solid var(--color-blue-400); outline-offset: 2px; border-radius: 4px; }

::selection { background: rgba(29, 107, 255, .2); }

/* ---------- 3. Utilities ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 var(--space-4); }

.section { padding: var(--space-7) 0; }
.section-tight { padding: var(--space-6) 0; }
.section-soft { background: var(--color-bg-soft); }
.section-tint { background: var(--color-bg-tint); }
.section-dark { background: var(--grad-primary); color: #eaf2ff; }

.section-head { max-width: 720px; margin: 0 auto var(--space-6); text-align: center; }
.section-head-left { margin: 0 0 var(--space-5); text-align: left; }
.section-head p { color: var(--color-text-soft); font-size: 1.1rem; }

.eyebrow {
  display: inline-flex; align-items: center; gap: var(--space-2);
  font-size: .82rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase;
  color: var(--color-blue-600); margin-bottom: var(--space-3);
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--color-teal-500); border-radius: 2px; }
.section-dark .eyebrow, .eyebrow.on-dark { color: var(--color-blue-400); }

.lead { font-size: 1.12rem; color: var(--color-text-soft); }

.icon { width: 24px; height: 24px; flex: none; }
.icon-sm { width: 16px; height: 16px; }
.icon-lg { width: 40px; height: 40px; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 2000;
  background: var(--color-navy-900); color: #fff; padding: 12px 20px; border-radius: 0 0 10px 0;
}
.skip-link:focus { left: 0; color: #fff; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 26px; border-radius: var(--radius-pill); border: 2px solid transparent;
  font-weight: 600; font-size: .98rem; letter-spacing: .01em; line-height: 1.2;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), background var(--dur) var(--ease), color var(--dur) var(--ease), border-color var(--dur) var(--ease);
  text-align: center; cursor: pointer; white-space: nowrap;
}
.btn:active { transform: scale(.97); }
.btn-sm { padding: 10px 18px; font-size: .9rem; }
.btn-lg { padding: 17px 34px; font-size: 1.06rem; }
.btn-block { width: 100%; }

.btn-primary { background: var(--grad-cta); color: #fff; box-shadow: var(--shadow-glow); }
.btn-primary:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 18px 40px rgba(29, 107, 255, .42); }

.btn-ghost { border-color: rgba(255, 255, 255, .55); color: #fff; background: rgba(255, 255, 255, .06); backdrop-filter: blur(4px); }
.btn-ghost:hover { color: #fff; background: rgba(255, 255, 255, .16); transform: translateY(-2px); }

.btn-outline { border-color: var(--color-border-strong); color: var(--color-navy-800); background: #fff; }
.btn-outline:hover { border-color: var(--color-blue-500); color: var(--color-blue-600); transform: translateY(-2px); box-shadow: var(--shadow-sm); }

.btn-accent { background: var(--color-teal-500); color: #fff; }
.btn-accent:hover { color: #fff; background: #0d9da2; transform: translateY(-2px); }

.btn .arrow { transition: transform var(--dur) var(--ease); }
.btn:hover .arrow { transform: translateX(4px); }

/* Badges & chips */
.pill {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(29, 107, 255, .1); color: var(--color-blue-600);
  border: 1px solid rgba(29, 107, 255, .25);
  border-radius: var(--radius-pill); padding: 8px 16px; font-size: .86rem; font-weight: 600;
}
.pill svg { width: 16px; height: 16px; }
.section-dark .pill { background: rgba(255, 255, 255, .1); border-color: rgba(255, 255, 255, .25); color: #dcebff; }

.badge-badge {
  display: inline-flex; align-items: center;
  border: 1px solid var(--color-border); background: #fff;
  border-radius: var(--radius-pill); padding: 6px 12px; font-size: .78rem; font-weight: 600; color: var(--color-text-soft);
}

.stars { display: inline-flex; gap: 2px; color: var(--color-gold-500); }
.stars svg { width: 16px; height: 16px; }

/* ---------- 4. Header ---------- */
.topbar { background: var(--color-navy-950); color: #b9c9e0; font-size: .8rem; }
.topbar-inner { display: flex; align-items: center; gap: var(--space-4); height: 38px; }
.topbar-item { display: inline-flex; align-items: center; gap: 7px; }
.topbar-item a { color: #dce7f5; }
.topbar-item a:hover { color: #fff; }
.topbar-right { margin-left: auto; color: #e8d391; }
.topbar-hide-sm { display: none; }
@media (min-width: 768px) { .topbar-hide-sm { display: inline-flex; } }

.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, .86);
  backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--color-border);
  transition: box-shadow var(--dur) var(--ease);
}
.site-header.is-scrolled { box-shadow: var(--shadow-md); }
.header-inner { display: flex; align-items: center; gap: var(--space-4); height: var(--header-h); }

.brand { display: inline-flex; align-items: center; gap: 10px; }
.brand-mark {
  width: 40px; height: 40px; flex: none; border-radius: 12px;
  background: var(--grad-cta); color: #fff;
  display: inline-flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
}
.brand-mark svg { width: 22px; height: 22px; }
.brand-text { font-size: 1.28rem; font-weight: 700; color: var(--color-navy-900); letter-spacing: -.02em; }
.brand-text em { font-style: normal; color: var(--color-blue-500); }
.brand-light .brand-text { color: #fff; }
.brand-light .brand-text em { color: var(--color-blue-400); }

.main-nav { display: none; align-items: center; gap: var(--space-2); margin-left: auto; }
.nav-link {
  padding: 8px 12px; border-radius: var(--radius-pill); font-weight: 500; font-size: .95rem;
  color: var(--color-text-soft); transition: background var(--dur) var(--ease), color var(--dur) var(--ease);
}
.nav-link:hover { color: var(--color-navy-900); background: var(--color-bg-tint); }
.nav-link.is-active { color: var(--color-blue-600); background: rgba(29, 107, 255, .09); font-weight: 600; }

.header-actions { display: flex; align-items: center; gap: var(--space-3); margin-left: auto; }
@media (min-width: 1024px) {
  .main-nav { display: flex; }
  .header-actions { margin-left: 0; }
  .nav-toggle { display: none !important; }
}

.nav-toggle {
  width: 46px; height: 46px; border: 1px solid var(--color-border); border-radius: 12px;
  background: #fff; display: inline-flex; flex-direction: column; align-items: center; justify-content: center; gap: 5px;
}
.nav-toggle span { width: 20px; height: 2px; background: var(--color-navy-900); border-radius: 2px; transition: transform var(--dur) var(--ease), opacity var(--dur) var(--ease); }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.main-nav.is-open {
  display: flex; flex-direction: column; align-items: stretch; gap: var(--space-1);
  position: absolute; top: var(--header-h); left: 0; right: 0;
  background: #fff; border-bottom: 1px solid var(--color-border);
  box-shadow: var(--shadow-lg); padding: var(--space-3) var(--space-4) var(--space-4);
  border-radius: 0 0 var(--radius-lg) var(--radius-lg);
}
.main-nav.is-open .nav-link { padding: 14px 16px; font-size: 1.05rem; }

/* ---------- 5. Hero ---------- */
.hero {
  position: relative; overflow: hidden; color: #fff;
  background: radial-gradient(1200px 600px at 80% -10%, rgba(29, 107, 255, .55), transparent 60%),
              radial-gradient(900px 500px at 0% 110%, rgba(15, 181, 186, .35), transparent 55%),
              var(--grad-primary);
}
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(700px 420px at 70% 20%, #000 30%, transparent 75%);
  -webkit-mask-image: radial-gradient(700px 420px at 70% 20%, #000 30%, transparent 75%);
}
.hero-inner { position: relative; z-index: 1; display: grid; gap: var(--space-6); padding: clamp(56px, 8vw, 108px) 0; align-items: center; }
@media (min-width: 1024px) { .hero-inner { grid-template-columns: 1.15fr .85fr; gap: var(--space-7); } }

.hero h1 { color: #fff; }
.hero h1 .accent { color: var(--color-blue-400); }
.hero-sub { font-size: 1.16rem; color: #c9d9f0; max-width: 560px; margin-bottom: var(--space-5); }
.hero-badges { display: flex; flex-wrap: wrap; gap: 12px; margin-top: var(--space-5); }
.hero-trust { display: flex; flex-wrap: wrap; gap: var(--space-4); margin-top: var(--space-5); color: #c9d9f0; font-size: .9rem; }
.hero-trust span { display: inline-flex; align-items: center; gap: 8px; }
.hero-trust svg { color: var(--color-green-500); width: 18px; height: 18px; }

.hero-form-card {
  background: #fff; color: var(--color-text); border-radius: var(--radius-lg);
  padding: var(--space-5); box-shadow: var(--shadow-lg); position: relative;
}
.hero-form-card::before {
  content: ""; position: absolute; top: -3px; left: var(--space-5); right: var(--space-5); height: 4px;
  border-radius: 4px; background: var(--grad-cta);
}
.hero-form-card h3 { font-size: 1.5rem; }
.hero-form-card .form-note { font-size: .88rem; color: var(--color-text-mute); text-align: center; margin: var(--space-3) 0 0; }

/* ---------- 6. Page hero (subpages) ---------- */
.page-hero {
  position: relative; overflow: hidden; color: #fff; text-align: center;
  background: radial-gradient(900px 420px at 50% -20%, rgba(29, 107, 255, .5), transparent 60%), var(--grad-primary);
  padding: clamp(56px, 7vw, 92px) 0;
}
.page-hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 100% 56px;
  mask-image: radial-gradient(600px 300px at 50% 0%, #000 20%, transparent 75%);
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: #fff; margin-bottom: var(--space-3); }
.page-hero p { color: #c9d9f0; max-width: 640px; margin: 0 auto; font-size: 1.1rem; }
.breadcrumb { display: inline-flex; align-items: center; gap: 8px; font-size: .85rem; color: #9fb4d6; margin-bottom: var(--space-4); }
.breadcrumb a { color: var(--color-blue-400); }
.breadcrumb a:hover { color: #fff; }

/* ---------- 7. Stats band ---------- */
.stats-band { background: var(--color-navy-900); color: #fff; position: relative; overflow: hidden; }
.stats-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 300px at 50% -50%, rgba(29, 107, 255, .45), transparent 70%); }
.stats-grid { position: relative; display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-5); padding: var(--space-6) 0; text-align: center; }
@media (min-width: 900px) { .stats-grid { grid-template-columns: repeat(4, 1fr); } }
.stat-value { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 700; letter-spacing: -.02em; color: #fff; }
.stat-value em { font-style: normal; color: var(--color-teal-500); }
.stat-label { color: #9fb4d6; font-size: .92rem; margin-top: 4px; }
.stat-item { position: relative; padding: var(--space-3); }
.stat-item:not(:last-child)::after {
  content: ""; position: absolute; right: -12px; top: 20%; bottom: 20%; width: 1px; background: rgba(255,255,255,.12);
}
@media (max-width: 899px) { .stat-item:nth-child(2)::after { display: none; } }

/* ---------- 8. Cards ---------- */
.card {
  background: var(--color-surface); border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  padding: var(--space-5); box-shadow: var(--shadow-sm);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--color-border-strong); }

.icon-tile {
  width: 56px; height: 56px; border-radius: 16px; display: inline-flex; align-items: center; justify-content: center;
  background: var(--grad-cta); color: #fff; box-shadow: var(--shadow-glow); margin-bottom: var(--space-4);
}
.icon-tile svg { width: 26px; height: 26px; }
.icon-tile.alt { background: linear-gradient(135deg, #0fb5ba, #1556d8); }
.icon-tile.soft { background: rgba(29, 107, 255, .1); color: var(--color-blue-600); box-shadow: none; }
.icon-tile.teal { background: rgba(15, 181, 186, .12); color: var(--color-teal-500); box-shadow: none; }
.icon-tile.gold { background: rgba(245, 177, 0, .14); color: #b97d00; box-shadow: none; }
.icon-tile.green { background: rgba(29, 185, 84, .12); color: var(--color-green-500); box-shadow: none; }

.grid-2 { display: grid; gap: var(--space-5); }
.grid-3 { display: grid; gap: var(--space-5); }
.grid-4 { display: grid; gap: var(--space-4); }
@media (min-width: 768px) { .grid-2 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 900px) { .grid-3 { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 900px) { .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .grid-4 { grid-template-columns: repeat(4, 1fr); } }

/* ---------- 9. Steps / timeline ---------- */
.steps { display: grid; gap: var(--space-5); counter-reset: step; }
@media (min-width: 900px) { .steps { grid-template-columns: repeat(4, 1fr); } }
.step { position: relative; background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--space-5); box-shadow: var(--shadow-sm); }
.step-num {
  counter-increment: step; font-size: .8rem; font-weight: 700; letter-spacing: .1em; color: var(--color-blue-600);
  display: inline-flex; align-items: center; gap: 8px; margin-bottom: var(--space-3);
}
.step-num::before { content: "0" counter(step); }
.step-num::after { content: ""; flex: 1; height: 1px; background: var(--color-border); }
.step h3 { font-size: 1.15rem; }
.step p { color: var(--color-text-soft); font-size: .96rem; margin: 0; }

/* ---------- 10. Feature split ---------- */
.split { display: grid; gap: var(--space-6); align-items: center; }
@media (min-width: 1024px) { .split { grid-template-columns: 1fr 1fr; gap: var(--space-7); } .split.flip .split-visual { order: 2; } }

.check-list { list-style: none; padding: 0; margin: 0 0 var(--space-4); }
.check-list li { display: flex; gap: 12px; padding: 9px 0; align-items: flex-start; }
.check-list svg { width: 22px; height: 22px; flex: none; color: var(--color-green-500); margin-top: 2px; }
.check-list b { color: var(--color-navy-900); }

.visual-card { background: var(--grad-primary); color: #fff; border-radius: var(--radius-lg); padding: var(--space-6); box-shadow: var(--shadow-lg); position: relative; overflow: hidden; }
.visual-card::after { content: ""; position: absolute; inset: 0; background: radial-gradient(400px 260px at 90% -10%, rgba(29,107,255,.5), transparent 60%); pointer-events: none; }
.visual-card h3 { color: #fff; font-size: 1.4rem; }
.visual-card p { color: #c9d9f0; }
.visual-chip { display: flex; align-items: center; gap: 10px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16); border-radius: var(--radius-md); padding: 12px 16px; margin-top: var(--space-3); font-size: .92rem; }
.visual-chip svg { color: var(--color-teal-500); width: 18px; height: 18px; }

.mini-score { display: grid; grid-template-columns: 1fr auto; gap: var(--space-3); align-items: end; margin-top: var(--space-5); }
.mini-score .score-ring { width: 96px; height: 96px; border-radius: 50%; display: grid; place-items: center; background: conic-gradient(var(--color-teal-500) 0 78%, rgba(255,255,255,.15) 78% 100%); }
.mini-score .score-ring b { font-size: 1.4rem; color: #fff; }
.mini-score .score-ring span { font-size: .68rem; color: #b9c9e0; display: block; text-align: center; }

/* ---------- 11. Pricing ---------- */
.price-card { position: relative; display: flex; flex-direction: column; }
.price-card.is-featured {
  border: 2px solid var(--color-blue-500); box-shadow: var(--shadow-lg);
  transform: translateY(-6px);
}
@media (min-width: 900px) { .price-card.is-featured { transform: translateY(-12px) scale(1.02); } }
.price-flag {
  position: absolute; top: -15px; left: 50%; transform: translateX(-50%);
  background: var(--grad-cta); color: #fff; font-size: .78rem; font-weight: 700; letter-spacing: .06em;
  padding: 7px 16px; border-radius: var(--radius-pill); box-shadow: var(--shadow-glow); white-space: nowrap;
}
.price-name { font-size: .95rem; font-weight: 600; color: var(--color-text-soft); text-transform: uppercase; letter-spacing: .08em; }
.price-amount { display: flex; align-items: baseline; gap: 6px; margin: var(--space-2) 0; }
.price-amount .cur { font-size: 1.4rem; font-weight: 600; color: var(--color-text-soft); }
.price-amount .num { font-size: 3rem; font-weight: 700; letter-spacing: -.03em; color: var(--color-navy-900); }
.price-amount .per { color: var(--color-text-mute); font-size: .95rem; }
.price-note { font-size: .88rem; color: var(--color-text-mute); min-height: 2.6em; }
.price-list { list-style: none; padding: 0; margin: var(--space-4) 0 var(--space-5); flex: 1; }
.price-list li { display: flex; gap: 10px; padding: 8px 0; font-size: .96rem; color: var(--color-text-soft); }
.price-list svg { width: 20px; height: 20px; flex: none; color: var(--color-green-500); margin-top: 2px; }
.price-list li.is-muted { color: var(--color-text-mute); }
.price-list li.is-muted svg { color: var(--color-border-strong); }

/* ---------- 12. Testimonials ---------- */
.testimonial-slider { position: relative; }
.testimonial-viewport { overflow: hidden; }
.testimonial-track { display: flex; transition: transform .5s var(--ease); }
.testimonial-slide { flex: 0 0 100%; padding: var(--space-2); }
@media (min-width: 900px) { .testimonial-slide { flex-basis: 50%; } }
@media (min-width: 1200px) { .testimonial-slide { flex-basis: 33.333%; } }

.quote-card { background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: var(--space-5); box-shadow: var(--shadow-sm); height: 100%; display: flex; flex-direction: column; }
.quote-mark { color: var(--color-blue-400); font-size: 2.6rem; line-height: 1; font-family: Georgia, serif; margin-bottom: 4px; }
.quote-text { color: var(--color-text); font-size: 1.02rem; flex: 1; }
.quote-author { display: flex; align-items: center; gap: 12px; margin-top: var(--space-4); }
.avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--grad-cta); color: #fff; display: grid; place-items: center; font-weight: 700; font-size: .95rem; flex: none; }
.quote-author b { display: block; font-size: .95rem; }
.quote-author span { font-size: .84rem; color: var(--color-text-mute); }

.testimonial-nav { display: flex; align-items: center; justify-content: center; gap: var(--space-4); margin-top: var(--space-5); }
.testimonial-dots { display: flex; gap: 8px; }
.dot { width: 10px; height: 10px; border-radius: 50%; border: none; background: var(--color-border-strong); padding: 0; transition: width var(--dur) var(--ease), background var(--dur) var(--ease); }
.dot.is-active { width: 26px; border-radius: 6px; background: var(--color-blue-500); }
.tnav-btn { width: 46px; height: 46px; border-radius: 50%; border: 1px solid var(--color-border); background: #fff; display: grid; place-items: center; transition: background var(--dur) var(--ease), color var(--dur) var(--ease), transform var(--dur) var(--ease); }
.tnav-btn:hover { background: var(--color-blue-500); color: #fff; transform: translateY(-2px); }

/* ---------- 13. FAQ ---------- */
.faq-list { max-width: 780px; margin: 0 auto; display: grid; gap: var(--space-3); }
.faq-item { border: 1px solid var(--color-border); border-radius: var(--radius-md); background: #fff; overflow: hidden; transition: box-shadow var(--dur) var(--ease); }
.faq-item.is-open { box-shadow: var(--shadow-md); border-color: var(--color-border-strong); }
.faq-q { width: 100%; display: flex; align-items: center; gap: var(--space-3); padding: 18px 22px; background: none; border: none; text-align: left; font-weight: 600; font-size: 1.04rem; color: var(--color-navy-900); }
.faq-q .faq-icon { margin-left: auto; flex: none; width: 30px; height: 30px; border-radius: 50%; background: var(--color-bg-tint); display: grid; place-items: center; transition: transform var(--dur) var(--ease), background var(--dur) var(--ease); }
.faq-item.is-open .faq-icon { transform: rotate(45deg); background: var(--color-blue-500); color: #fff; }
.faq-icon svg { width: 16px; height: 16px; }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .3s var(--ease); }
.faq-a-inner { padding: 0 22px 20px; color: var(--color-text-soft); }

/* ---------- 14. Forms ---------- */
.form-grid { display: grid; gap: var(--space-3); }
@media (min-width: 640px) { .form-grid-2 { grid-template-columns: 1fr 1fr; } }

.field { display: flex; flex-direction: column; gap: 6px; }
.field label { font-weight: 600; font-size: .9rem; color: var(--color-navy-800); }
.field .req { color: var(--color-red-500); }
.field input, .field select, .field textarea {
  border: 1.5px solid var(--color-border); border-radius: var(--radius-sm);
  padding: 13px 16px; background: #fff; width: 100%;
  transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.field input::placeholder, .field textarea::placeholder { color: var(--color-text-mute); }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--color-blue-500); box-shadow: 0 0 0 4px rgba(29, 107, 255, .14);
}
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: var(--color-red-500); }
.field-error { color: var(--color-red-500); font-size: .82rem; display: none; }
.field.has-error .field-error { display: block; }
.field .hint { color: var(--color-text-mute); font-size: .82rem; }

.hp-field { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }

.form-status { display: none; margin-top: var(--space-3); border-radius: var(--radius-sm); padding: 14px 16px; font-size: .95rem; }
.form-status.is-show { display: flex; align-items: flex-start; gap: 10px; }
.form-status svg { width: 20px; height: 20px; flex: none; margin-top: 1px; }
.form-status.is-success { background: rgba(29, 185, 84, .1); color: #157a3b; border: 1px solid rgba(29, 185, 84, .3); }
.form-status.is-error { background: rgba(229, 72, 77, .08); color: #a62b30; border: 1px solid rgba(229, 72, 77, .3); }
.form-status.is-info { background: var(--color-bg-tint); color: var(--color-navy-800); border: 1px solid var(--color-border); }

.btn .spinner { display: none; width: 18px; height: 18px; border: 2.5px solid rgba(255,255,255,.4); border-top-color: #fff; border-radius: 50%; animation: spin .7s linear infinite; }
.btn.is-loading .spinner { display: inline-block; }
.btn.is-loading { pointer-events: none; opacity: .85; }

@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- 15. CTA band ---------- */
.cta-band { background: var(--grad-cta); color: #fff; position: relative; overflow: hidden; }
.cta-band::after { content: ""; position: absolute; inset: 0; background: radial-gradient(600px 300px at 90% 0%, rgba(255,255,255,.25), transparent 60%); pointer-events: none; }
.cta-inner { position: relative; z-index: 1; display: flex; flex-direction: column; gap: var(--space-4); align-items: flex-start; padding: var(--space-7) 0; }
@media (min-width: 900px) { .cta-inner { flex-direction: row; align-items: center; justify-content: space-between; } }
.cta-inner h2 { color: #fff; margin: 0 0 6px; }
.cta-inner p { color: rgba(255,255,255,.9); margin: 0; max-width: 560px; }
.cta-actions { display: flex; flex-wrap: wrap; gap: var(--space-3); }
.btn-white { background: #fff; color: var(--color-blue-600); box-shadow: var(--shadow-md); }
.btn-white:hover { color: var(--color-blue-600); transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.btn-line-white { border-color: rgba(255,255,255,.7); color: #fff; }
.btn-line-white:hover { background: rgba(255,255,255,.12); color: #fff; }

/* ---------- 16. Footer ---------- */
.site-footer { background: var(--color-navy-950); color: #93a6c2; }
.footer-grid { display: grid; gap: var(--space-6); padding: var(--space-7) 0 var(--space-6); }
@media (min-width: 900px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: var(--space-5); } }
.footer-brand p { font-size: .95rem; max-width: 320px; }
.footer-badges { display: flex; flex-wrap: wrap; gap: 8px; margin-top: var(--space-3); }
.footer-badges .badge-badge { background: rgba(255,255,255,.05); border-color: rgba(255,255,255,.14); color: #b9c9e0; }
.footer-heading { color: #fff; font-size: 1rem; margin-bottom: var(--space-3); }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer-links a { color: #93a6c2; font-size: .95rem; }
.footer-links a:hover { color: #fff; }
.footer-contact { list-style: none; padding: 0; margin: 0 0 var(--space-4); display: grid; gap: 10px; font-size: .95rem; }
.footer-contact a { color: #93a6c2; }
.footer-contact a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding: var(--space-4) 0; }
.footer-bottom-inner { display: flex; flex-direction: column; gap: var(--space-2); font-size: .84rem; color: #6d7f99; }
@media (min-width: 900px) { .footer-bottom-inner { flex-direction: row; justify-content: space-between; } }
.footer-bottom p { margin: 0; }
.footer-disclaimer { max-width: 640px; }

/* ---------- 17. Resources / articles ---------- */
.article-card { overflow: hidden; display: flex; flex-direction: column; padding: 0; }
.article-thumb { aspect-ratio: 16/9; display: grid; place-items: center; color: #fff; background: var(--grad-primary); }
.article-thumb svg { width: 56px; height: 56px; opacity: .9; }
.article-body { padding: var(--space-5); display: flex; flex-direction: column; flex: 1; }
.article-meta { font-size: .82rem; color: var(--color-text-mute); display: flex; gap: 10px; margin-bottom: var(--space-2); }
.article-body h3 { font-size: 1.15rem; }
.article-body p { color: var(--color-text-soft); font-size: .96rem; flex: 1; }
.article-link { font-weight: 600; color: var(--color-blue-600); display: inline-flex; align-items: center; gap: 6px; margin-top: var(--space-3); }
.article-link svg { width: 18px; height: 18px; transition: transform var(--dur) var(--ease); }
.article-link:hover svg { transform: translateX(4px); }

/* ---------- 18. About extras ---------- */
.value-card { text-align: center; }
.value-card .icon-tile { margin-bottom: var(--space-3); }
.team-card { text-align: center; }
.team-avatar { width: 96px; height: 96px; border-radius: 50%; margin: 0 auto var(--space-3); display: grid; place-items: center; color: #fff; font-size: 2rem; font-weight: 700; background: var(--grad-cta); box-shadow: var(--shadow-md); }
.team-card .role { color: var(--color-text-mute); font-size: .9rem; }

.timeline { list-style: none; padding: 0; margin: 0; max-width: 760px; }
.timeline li { position: relative; padding: 0 0 var(--space-5) 46px; }
.timeline li::before { content: ""; position: absolute; left: 15px; top: 6px; bottom: -6px; width: 2px; background: var(--color-border-strong); }
.timeline li:last-child::before { display: none; }
.timeline .tl-dot { position: absolute; left: 8px; top: 4px; width: 16px; height: 16px; border-radius: 50%; background: var(--color-blue-500); box-shadow: 0 0 0 4px rgba(29, 107, 255, .15); }
.timeline b { color: var(--color-navy-900); display: block; font-size: 1.05rem; }
.timeline p { color: var(--color-text-soft); margin: 4px 0 0; }

/* ---------- 19. Contact page ---------- */
.contact-cards { display: grid; gap: var(--space-4); }
@media (min-width: 768px) { .contact-cards { grid-template-columns: repeat(3, 1fr); } }
.contact-card { display: flex; flex-direction: column; gap: var(--space-2); align-items: flex-start; }
.contact-card .icon-tile { margin-bottom: var(--space-2); }
.contact-card a { font-weight: 600; color: var(--color-navy-900); }
.contact-card a:hover { color: var(--color-blue-600); }
.contact-card p { color: var(--color-text-soft); margin: 0; }

/* ---------- 20. Animations ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.reveal.is-in { opacity: 1; transform: none; }
.reveal-stagger > * { opacity: 0; transform: translateY(26px); transition: opacity .55s var(--ease), transform .55s var(--ease); }
.reveal-stagger.is-in > * { opacity: 1; transform: none; }
.reveal-stagger.is-in > *:nth-child(2) { transition-delay: .07s; }
.reveal-stagger.is-in > *:nth-child(3) { transition-delay: .14s; }
.reveal-stagger.is-in > *:nth-child(4) { transition-delay: .21s; }
.reveal-stagger.is-in > *:nth-child(5) { transition-delay: .28s; }
.reveal-stagger.is-in > *:nth-child(6) { transition-delay: .35s; }

.float-slow { animation: floaty 6s ease-in-out infinite; }
@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }

@keyframes pulse-ring { 0% { box-shadow: 0 0 0 0 rgba(29, 107, 255, .4); } 70% { box-shadow: 0 0 0 14px rgba(29, 107, 255, 0); } 100% { box-shadow: 0 0 0 0 rgba(29, 107, 255, 0); } }
.pulse { animation: pulse-ring 2.4s infinite; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: .001s !important; animation-iteration-count: 1 !important; transition-duration: .001s !important; }
  html { scroll-behavior: auto; }
  .reveal, .reveal-stagger > * { opacity: 1; transform: none; }
}

/* ---------- 21. Responsive helpers ---------- */
@media (max-width: 640px) {
  body { font-size: 16px; }
  .section { padding: var(--space-6) 0; }
  .hero-form-card { padding: var(--space-4); }
  .header-actions .btn { display: none; }
}
@media (max-width: 1023px) and (min-width: 641px) {
  .header-actions .btn { display: none; }
}