/* ============================================================
   FLOAS — Bookkeeping & Tax Return Support
   Brand system: Deep Navy + Refined Gold — NIGHT MODE
   Type: Manrope (display) / Inter (body)
   ============================================================ */

:root {
  color-scheme: dark;

  /* Palette */
  --navy-950: #081524;
  --navy-900: #0C1E31;
  --navy-850: #102439;
  --navy-800: #13293F;
  --navy-750: #132C46;
  --navy-700: #183350;
  --navy-600: #1D4166;

  --gold-300: #EAD9AC;
  --gold-400: #D9BC72;  /* accent text on dark */
  --gold-500: #C79B42;  /* primary accent — buttons, marks */
  --gold-600: #A87F2A;

  --text: #DEE7EF;
  --heading: #F5F8FB;
  --muted: #A3B4C4;
  --faint: #6E8296;
  --line: rgba(255, 255, 255, 0.09);
  --line-strong: rgba(255, 255, 255, 0.16);
  --bg: #0C1E31;
  --bg-soft: #102439;
  --card: #13293F;

  /* Type */
  --font-display: "Manrope", "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;

  /* Shape */
  --radius: 14px;
  --radius-sm: 10px;
  --shadow-card: 0 10px 30px -12px rgba(0, 0, 0, 0.45);
  --shadow-lift: 0 18px 44px -16px rgba(0, 0, 0, 0.55);
}

/* ---------- Base ---------- */

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16.5px;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

a { color: var(--gold-400); text-decoration: none; }
a:hover { text-decoration: underline; color: var(--gold-300); }

h1, h2, h3, h4 {
  font-family: var(--font-display);
  color: var(--heading);
  line-height: 1.15;
  margin: 0 0 0.5em;
  letter-spacing: -0.015em;
}

h1 { font-size: clamp(2.1rem, 4.6vw, 3.3rem); font-weight: 800; }
h2 { font-size: clamp(1.65rem, 3vw, 2.3rem); font-weight: 800; }
h3 { font-size: 1.18rem; font-weight: 700; }

p { margin: 0 0 1em; }

.container {
  width: min(1120px, calc(100% - 3rem));
  margin-inline: auto;
}

.section { padding: clamp(3.5rem, 7vw, 5.5rem) 0; }
.section.soft { background: var(--bg-soft); }

.eyebrow {
  display: inline-block;
  font-family: var(--font-display);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 0.9rem;
}

.lede {
  font-size: 1.13rem;
  color: var(--muted);
  max-width: 46em;
}

.section-head { max-width: 46em; margin-bottom: 2.4rem; }
.section-head.center { margin-inline: auto; text-align: center; }

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.98rem;
  line-height: 1;
  padding: 0.95rem 1.5rem;
  border-radius: var(--radius-sm);
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: background 0.18s ease, border-color 0.18s ease, transform 0.18s ease, box-shadow 0.18s ease;
  white-space: nowrap;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }

.btn-gold {
  background: var(--gold-500);
  color: var(--navy-950);
  box-shadow: 0 8px 22px -10px rgba(199, 155, 66, 0.55);
}
.btn-gold:hover { background: #D5AC55; color: var(--navy-950); }

.btn-navy {
  background: var(--navy-600);
  color: #fff;
  border-color: var(--line-strong);
}
.btn-navy:hover { background: #265078; color: #fff; }

.btn-ghost {
  border-color: rgba(255, 255, 255, 0.35);
  color: #fff;
  background: transparent;
}
.btn-ghost:hover { border-color: rgba(255, 255, 255, 0.7); background: rgba(255, 255, 255, 0.06); color: #fff; }

.btn-outline {
  border-color: var(--line-strong);
  color: var(--heading);
  background: transparent;
}
.btn-outline:hover { border-color: var(--gold-500); color: var(--gold-400); }

.btn-lg { padding: 1.1rem 1.9rem; font-size: 1.05rem; }

.btn[disabled] { opacity: 0.6; cursor: wait; transform: none; }

/* ---------- Header ---------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(10, 24, 39, 0.88);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.site-header.scrolled {
  border-bottom-color: rgba(255, 255, 255, 0.12);
  box-shadow: 0 10px 30px -18px rgba(0, 0, 0, 0.8);
}

.header-inner {
  display: flex;
  align-items: center;
  gap: 2rem;
  height: 74px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.65rem;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.42rem;
  letter-spacing: -0.02em;
  color: var(--heading);
}
.brand:hover { text-decoration: none; color: var(--heading); }
.brand svg { width: 34px; height: 34px; }

.site-nav {
  display: flex;
  align-items: center;
  gap: 1.9rem;
  margin-left: auto;
}
.site-nav a {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.97rem;
  color: #D7E0E8;
  padding: 0.4rem 0;
  border-bottom: 2px solid transparent;
}
.site-nav a:hover { color: var(--gold-400); text-decoration: none; }
.site-nav a[aria-current="page"] {
  color: var(--gold-400);
  border-bottom-color: var(--gold-500);
}

.header-cta { margin-left: 0.4rem; padding: 0.75rem 1.25rem; font-size: 0.93rem; }

.nav-toggle {
  display: none;
  margin-left: auto;
  background: none;
  border: 1.5px solid var(--line-strong);
  border-radius: var(--radius-sm);
  padding: 0.55rem 0.65rem;
  cursor: pointer;
  color: var(--heading);
}
.nav-toggle svg { width: 22px; height: 22px; }
.nav-toggle .icon-close { display: none; }

/* ---------- Hero (dark) ---------- */

.hero {
  position: relative;
  background:
    radial-gradient(900px 420px at 82% -10%, rgba(199, 155, 66, 0.16), transparent 60%),
    radial-gradient(700px 500px at -10% 110%, rgba(33, 69, 107, 0.55), transparent 60%),
    linear-gradient(160deg, var(--navy-900) 0%, var(--navy-950) 100%);
  color: #fff;
  overflow: hidden;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.035) 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: radial-gradient(80% 80% at 50% 20%, #000 30%, transparent 100%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  align-items: center;
  gap: clamp(2.5rem, 5vw, 4.5rem);
  padding: clamp(4rem, 8vw, 6.5rem) 0;
}

.hero .eyebrow { color: var(--gold-400); }
.hero h1 { color: #fff; margin-bottom: 0.55em; }
.hero h1 em {
  font-style: normal;
  color: var(--gold-400);
}
.hero .lede { color: #B9C6D3; margin-bottom: 2rem; }

.hero-ctas { display: flex; flex-wrap: wrap; gap: 0.9rem; }

.hero-note {
  margin-top: 1.4rem;
  font-size: 0.9rem;
  color: #90A2B1;
}

/* Hero status card — deliberate light accent on the dark theme */

.hero-card {
  background: #FDFDFB;
  color: #122334;
  border-radius: var(--radius);
  box-shadow: 0 30px 70px -25px rgba(0, 0, 0, 0.75);
  padding: 1.4rem 1.5rem 1.2rem;
  max-width: 420px;
  justify-self: end;
  width: 100%;
}
.hero-card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.92rem;
  color: #4E6172;
  padding-bottom: 0.9rem;
  border-bottom: 1px solid #E2E8EE;
  margin-bottom: 0.4rem;
}
.hero-card-head .dot-live {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-size: 0.78rem;
  font-weight: 700;
  color: #85641C;
}
.dot-live::before {
  content: "";
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold-500);
}

.hero-card-row {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  padding: 0.8rem 0;
  border-bottom: 1px solid #F0F3F6;
}
.hero-card-row:last-of-type { border-bottom: 0; }

.hero-card-row .tick {
  flex: none;
  width: 30px; height: 30px;
  border-radius: 9px;
  background: #F9F4E6;
  display: grid;
  place-items: center;
  color: #85641C;
}
.hero-card-row .tick svg { width: 16px; height: 16px; }

.hero-card-row .label { font-weight: 600; font-size: 0.95rem; line-height: 1.3; color: #122334; }
.hero-card-row .sub { font-size: 0.8rem; color: #4E6172; }

.hero-card-row .pill {
  margin-left: auto;
  font-family: var(--font-display);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #1F6B45;
  background: #E9F5EE;
  padding: 0.3rem 0.6rem;
  border-radius: 999px;
}
.hero-card-row .pill.gold { color: #85641C; background: #F9F4E6; }

.hero-card-foot {
  margin-top: 0.7rem;
  padding-top: 0.85rem;
  border-top: 1px solid #E2E8EE;
  font-size: 0.83rem;
  color: #4E6172;
}
.hero-card-foot strong { color: #122840; }

/* ---------- Page hero (services/about/contact) ---------- */

.page-hero {
  background:
    radial-gradient(700px 300px at 90% 0%, rgba(199, 155, 66, 0.14), transparent 60%),
    linear-gradient(160deg, var(--navy-900) 0%, var(--navy-950) 100%);
  color: #fff;
  padding: clamp(3.2rem, 6vw, 4.8rem) 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.page-hero .eyebrow { color: var(--gold-400); }
.page-hero h1 { color: #fff; margin-bottom: 0.35em; }
.page-hero .lede { color: #B9C6D3; margin-bottom: 0; }

/* ---------- Trust strip ---------- */

.trust-strip {
  background: rgba(255, 255, 255, 0.02);
  border-bottom: 1px solid var(--line);
}
.trust-strip .container {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  padding-block: 1.5rem;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 0.8rem;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.92rem;
  color: #D3DEE8;
}
.trust-item svg { flex: none; width: 22px; height: 22px; color: var(--gold-500); }

/* ---------- Cards ---------- */

.grid {
  display: grid;
  gap: 1.4rem;
}
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }

.card {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.7rem 1.6rem 1.5rem;
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lift);
  border-color: rgba(199, 155, 66, 0.55);
}

.card-icon {
  width: 46px; height: 46px;
  border-radius: 12px;
  background: rgba(199, 155, 66, 0.13);
  color: var(--gold-400);
  display: grid;
  place-items: center;
  margin-bottom: 1.1rem;
}
.card-icon svg { width: 23px; height: 23px; }

.card h3 { margin-bottom: 0.45em; }
.card p { color: var(--muted); font-size: 0.96rem; margin-bottom: 1.1rem; }

.card-link {
  margin-top: auto;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--gold-400);
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
}
.card-link::after { content: "→"; transition: transform 0.18s ease; }
.card:hover .card-link::after { transform: translateX(3px); }

.services-cta-row {
  margin-top: 2.4rem;
  text-align: center;
}

/* ---------- Steps ---------- */

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.4rem;
}
.step {
  position: relative;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.8rem 1.6rem 1.6rem;
}
.step-num {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--navy-950);
  border: 1px solid rgba(199, 155, 66, 0.45);
  color: var(--gold-400);
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 1.05rem;
  display: grid;
  place-items: center;
  margin-bottom: 1.1rem;
}
.step h3 { margin-bottom: 0.4em; }
.step p { color: var(--muted); font-size: 0.96rem; margin: 0; }

/* ---------- Split feature ---------- */

.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2.5rem, 5vw, 4.5rem);
  align-items: center;
}

.check-list { list-style: none; padding: 0; margin: 1.4rem 0 0; display: grid; gap: 0.85rem; }
.check-list li {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  color: var(--text);
  font-size: 0.99rem;
}
.check-list li svg {
  flex: none;
  width: 21px; height: 21px;
  color: var(--gold-500);
  margin-top: 2px;
}
.check-list li strong { font-family: var(--font-display); color: var(--heading); }

.stat-panel {
  background: var(--navy-750);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  color: #fff;
  padding: 2.2rem 2rem;
  display: grid;
  gap: 1.6rem;
}
.stat-panel .stat b {
  display: block;
  font-family: var(--font-display);
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--gold-400);
  line-height: 1.1;
}
.stat-panel .stat span { color: #AEBFCF; font-size: 0.94rem; }

/* ---------- Value chips ---------- */

.chip-row { display: flex; flex-wrap: wrap; gap: 0.7rem; margin-top: 1.2rem; }
.chip {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 0.9rem;
  color: #D7E0E8;
  background: var(--card);
  border: 1px solid var(--line-strong);
  border-radius: 999px;
  padding: 0.55rem 1.05rem;
}

/* ---------- CTA band ---------- */

.cta-band {
  background:
    radial-gradient(600px 300px at 85% 20%, rgba(199, 155, 66, 0.2), transparent 60%),
    linear-gradient(150deg, var(--navy-800), var(--navy-950));
  border: 1px solid rgba(255, 255, 255, 0.1);
  color: #fff;
  border-radius: var(--radius);
  padding: clamp(2.6rem, 5vw, 4rem);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.8rem;
}
.cta-band h2 { color: #fff; margin-bottom: 0.3em; }
.cta-band p { color: #B9C6D3; margin: 0; max-width: 34em; }
.cta-band .btn { flex: none; }

/* ---------- Forms ---------- */

.form-card {
  background: var(--card);
  border: 1px solid var(--line-strong);
  border-radius: var(--radius);
  padding: 2rem 1.9rem;
  box-shadow: var(--shadow-card);
}
.form-card > h2 { font-size: 1.45rem; margin-bottom: 0.3em; }
.form-card .form-sub { color: var(--muted); font-size: 0.95rem; margin-bottom: 1.5rem; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }
.form-grid .full { grid-column: 1 / -1; }

.field label {
  display: block;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.88rem;
  margin-bottom: 0.4rem;
  color: #D5DFE9;
}
.field label .req { color: var(--gold-400); }
.field label .opt { font-weight: 400; color: var(--muted); }

.field input,
.field select,
.field textarea {
  width: 100%;
  font: inherit;
  font-size: 0.96rem;
  color: #EDF2F6;
  background: #0E2033;
  border: 1.5px solid var(--line-strong);
  border-radius: var(--radius-sm);
  padding: 0.78rem 0.9rem;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
.field input::placeholder,
.field textarea::placeholder { color: var(--faint); }
.field textarea { resize: vertical; min-height: 110px; }
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--gold-500);
  box-shadow: 0 0 0 3px rgba(199, 155, 66, 0.2);
}

/* Honeypot — hidden from humans */
.hp {
  position: absolute !important;
  left: -9999px !important;
  width: 1px; height: 1px;
  opacity: 0;
  pointer-events: none;
}

.form-note {
  display: flex;
  gap: 0.6rem;
  align-items: flex-start;
  font-size: 0.88rem;
  color: #CBD6E0;
  background: rgba(199, 155, 66, 0.1);
  border: 1px solid rgba(199, 155, 66, 0.3);
  border-radius: var(--radius-sm);
  padding: 0.85rem 1rem;
  margin: 1.2rem 0 1.3rem;
}
.form-note svg { flex: none; width: 18px; height: 18px; color: var(--gold-400); margin-top: 2px; }

.form-success {
  display: none;
  margin-top: 1.1rem;
  background: rgba(64, 145, 94, 0.15);
  border: 1px solid rgba(96, 190, 131, 0.35);
  color: #9FDDB5;
  border-radius: var(--radius-sm);
  padding: 0.9rem 1.1rem;
  font-size: 0.92rem;
}
.form-success.visible { display: block; }
.form-success a { color: #C4EDD2; }

.form-error {
  display: none;
  margin-top: 1.1rem;
  background: rgba(190, 70, 70, 0.14);
  border: 1px solid rgba(230, 120, 120, 0.35);
  color: #F0B9B9;
  border-radius: var(--radius-sm);
  padding: 0.9rem 1.1rem;
  font-size: 0.92rem;
}
.form-error.visible { display: block; }
.form-error a { color: #FBD9D9; }

/* ---------- Contact page ---------- */

.contact-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(2rem, 4vw, 3.5rem);
  align-items: start;
}

.info-card {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.25rem 1.3rem;
}
.info-card + .info-card { margin-top: 1rem; }
.info-card .card-icon { margin-bottom: 0; width: 42px; height: 42px; flex: none; }
.info-card h3 { font-size: 1rem; margin-bottom: 0.15em; }
.info-card p { margin: 0; color: var(--muted); font-size: 0.95rem; }
.info-card a { font-weight: 600; }
.info-card .small-note { display: block; margin-top: 0.3rem; font-size: 0.82rem; color: var(--faint); }

.form-divider {
  display: flex;
  align-items: center;
  gap: 1rem;
  margin: 2.2rem 0;
  color: #8FA2B3;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.form-divider::before,
.form-divider::after {
  content: "";
  flex: 1;
  height: 1px;
  background: rgba(255, 255, 255, 0.12);
}

/* ---------- Footer ---------- */

.site-footer {
  background: var(--navy-950);
  color: #93A5B5;
  margin-top: clamp(3rem, 6vw, 5rem);
  border-top: 3px solid var(--gold-500);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 1fr 1.1fr;
  gap: 2.5rem;
  padding: clamp(3rem, 5vw, 4rem) 0 2.5rem;
}
.site-footer .brand { color: #fff; margin-bottom: 1rem; }
.footer-blurb { font-size: 0.93rem; max-width: 30em; }

.site-footer h4 {
  color: #fff;
  font-size: 0.86rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1.1rem;
}
.footer-links { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.6rem; }
.footer-links a { color: #B9C6D3; font-size: 0.94rem; }
.footer-links a:hover { color: var(--gold-400); text-decoration: none; }

.footer-contact { list-style: none; margin: 0; padding: 0; display: grid; gap: 0.85rem; font-size: 0.94rem; }
.footer-contact li { display: flex; gap: 0.7rem; align-items: flex-start; }
.footer-contact svg { flex: none; width: 18px; height: 18px; color: var(--gold-500); margin-top: 3px; }
.footer-contact a { color: #B9C6D3; }
.footer-contact a:hover { color: var(--gold-400); }

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 1.4rem 0 1.6rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem 2rem;
  align-items: center;
  justify-content: space-between;
  font-size: 0.83rem;
}
.footer-disclaimer {
  font-size: 0.8rem;
  color: var(--faint);
  max-width: 62em;
  margin-top: 1.6rem;
}

/* ---------- Reveal animations ---------- */

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.in-view { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; transition: none; }
  .btn, .card { transition: none; }
}

/* ---------- Responsive ---------- */

@media (max-width: 980px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card { justify-self: start; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; }
  .contact-layout { grid-template-columns: 1fr; }
  .trust-strip .container { grid-template-columns: repeat(2, 1fr); gap: 1rem; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 760px) {
  .site-nav {
    position: absolute;
    top: 74px;
    left: 0;
    right: 0;
    background: #0D2033;
    border-bottom: 1px solid var(--line-strong);
    box-shadow: 0 24px 40px -24px rgba(0, 0, 0, 0.8);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 0.6rem 1.5rem 1.2rem;
    display: none;
  }
  body.nav-open .site-nav { display: flex; }
  .site-nav a { padding: 0.85rem 0; border-bottom: 1px solid rgba(255, 255, 255, 0.06); }
  .site-nav a[aria-current="page"] { border-bottom-color: rgba(255, 255, 255, 0.06); }
  .header-cta { display: none; }
  body.nav-open .site-nav .header-cta {
    display: inline-flex;
    margin: 1rem 0 0;
    justify-content: center;
  }
  .nav-toggle { display: inline-flex; }
  body.nav-open .nav-toggle .icon-menu { display: none; }
  body.nav-open .nav-toggle .icon-close { display: block; }

  .grid-3, .grid-2 { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .cta-band { flex-direction: column; align-items: flex-start; }
  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
}

/* ---------- MTD notice band ---------- */

.mtd-band {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.6rem;
  flex-wrap: wrap;
  background: linear-gradient(120deg, rgba(199, 155, 66, 0.16), rgba(199, 155, 66, 0.04));
  border: 1px solid rgba(199, 155, 66, 0.4);
  border-radius: var(--radius);
  padding: 1.7rem 1.9rem;
}
.mtd-badge {
  display: inline-block;
  font-family: var(--font-display);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy-950);
  background: var(--gold-500);
  border-radius: 999px;
  padding: 0.35rem 0.75rem;
  margin-bottom: 0.7rem;
}
.mtd-band h3 { font-size: 1.35rem; margin-bottom: 0.3em; }
.mtd-band p { margin: 0; color: var(--muted); max-width: 52em; }
.mtd-band .btn { flex: none; }

/* ---------- Savings figures & fine print ---------- */

.figure {
  font-family: var(--font-display);
  font-size: 1.7rem;
  font-weight: 800;
  color: var(--gold-400);
  line-height: 1;
  margin-bottom: 0.55rem;
}
.fine-print {
  font-size: 0.8rem;
  color: var(--faint);
  margin-top: 1.5rem;
  max-width: 62em;
}

/* ---------- Illustrative examples ---------- */

.example-tag {
  display: inline-block;
  align-self: flex-start;
  font-family: var(--font-display);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--gold-400);
  background: rgba(199, 155, 66, 0.12);
  border: 1px solid rgba(199, 155, 66, 0.3);
  border-radius: 999px;
  padding: 0.32rem 0.7rem;
  margin-bottom: 1rem;
}
.example-outcome {
  margin-top: auto;
  padding-top: 1rem;
  border-top: 1px solid var(--line);
  font-size: 0.93rem;
  color: var(--text);
}
.example-outcome strong { color: var(--gold-400); }

/* ---------- FAQ ---------- */

.faq-list { display: grid; gap: 0.85rem; max-width: 840px; }
.faq-item {
  background: var(--card);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  overflow: hidden;
}
.faq-item summary {
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.05rem 1.25rem;
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--heading);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--gold-400);
  line-height: 1;
  flex: none;
}
.faq-item[open] summary::after { content: "−"; }
.faq-item p {
  margin: 0;
  padding: 0 1.25rem 1.15rem;
  color: var(--muted);
  font-size: 0.95rem;
}