/* Self-hosted fonts (variable woff2, latin) */
@font-face { font-family: "Public Sans"; src: url("/assets/fonts/public-sans.woff2") format("woff2"); font-weight: 100 900; font-style: normal; font-display: swap; }
@font-face { font-family: "Public Sans"; src: url("/assets/fonts/public-sans-italic.woff2") format("woff2"); font-weight: 100 900; font-style: italic; font-display: swap; }
@font-face { font-family: "Bricolage Grotesque"; src: url("/assets/fonts/bricolage-grotesque.woff2") format("woff2"); font-weight: 200 800; font-style: normal; font-display: swap; }

/* ============================================================
   Minto Money — styles.css
   Primary: navy #1E3A5F  |  Accent: teal #147A70
   Type: Bricolage Grotesque (headings) + Public Sans (body/UI)
   ============================================================ */

/* ---------- Design tokens ---------- */
:root {
  /* brand */
  --navy: #1e3a5f;
  --navy-700: #172f4d;
  --navy-900: #0f2036;
  --ink: #16263c;
  --teal: #147a70;
  --teal-700: #0f6058;
  --teal-soft: #d6eae7;
  --teal-line: #a8d3ce;

  /* surfaces */
  --bg: #ffffff;
  --bg-alt: #f2f5f9;
  --bg-navy: var(--navy);
  --border: #e2e7ef;
  --border-strong: #cfd7e3;

  /* text */
  --text: #22303f;
  --text-muted: #5a6b7d;
  --text-on-navy: #eaf1f8;
  --text-on-navy-muted: #b9c9dc;

  /* semantic — warning box only */
  --warn-bg: #fbf1e2;
  --warn-border: #ecd3a9;
  --warn-text: #8a5410;

  /* shape */
  --r-sm: 8px;
  --r-md: 12px;
  --r-lg: 16px;
  --r-pill: 999px;

  /* elevation (used sparingly) */
  --shadow-pop: 0 18px 40px -22px rgba(15, 32, 54, 0.45);
  --shadow-menu: 0 24px 48px -24px rgba(15, 32, 54, 0.35);

  /* rhythm */
  --container: 1120px;
  --gutter: clamp(1.1rem, 4vw, 2rem);
  --section-y: clamp(3.5rem, 7vw, 6rem);

  /* type */
  --font-head: "Bricolage Grotesque", "Public Sans", system-ui, sans-serif;
  --font-body: "Public Sans", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;

  --dur: 0.22s;
  --ease: cubic-bezier(0.2, 0.6, 0.2, 1);
}

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

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

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.62;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

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

a { color: var(--navy); text-underline-offset: 0.15em; }
a:hover { color: var(--teal-700); }

h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--ink);
  line-height: 1.12;
  letter-spacing: -0.012em;
  margin: 0 0 0.5em;
  font-weight: 700;
}

p { margin: 0 0 1rem; }
ul, ol { margin: 0 0 1rem; padding-left: 1.2rem; }
li { margin: 0.3rem 0; }

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

/* ---------- Utilities ---------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.skip-link {
  position: absolute;
  left: 12px;
  top: -60px;
  z-index: 200;
  background: var(--navy);
  color: #fff;
  padding: 0.6rem 1rem;
  border-radius: var(--r-sm);
  transition: top var(--dur) var(--ease);
}
.skip-link:focus { top: 12px; color: #fff; }

.section { padding-block: var(--section-y); }
.section--alt { background: var(--bg-alt); }
.section--navy { background: var(--navy); color: var(--text-on-navy); }

.section__head { max-width: 62ch; margin-bottom: clamp(1.5rem, 3vw, 2.4rem); }
.section__head p { color: var(--text-muted); margin-bottom: 0; }
.section--navy .section__head p { color: var(--text-on-navy-muted); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--teal-700);
  margin-bottom: 0.75rem;
}
.eyebrow::before {
  content: "";
  width: 22px;
  height: 2px;
  background: var(--teal);
  border-radius: 2px;
}
.section--navy .eyebrow { color: #9fe0d7; }
.section--navy .eyebrow::before { background: #6fb3ad; }

h2 { font-size: clamp(1.55rem, 3vw, 2.15rem); }
h3 { font-size: 1.2rem; }
.lead { font-size: clamp(1.08rem, 1.6vw, 1.22rem); color: var(--text-muted); }

/* ---------- Buttons ---------- */
.btn {
  --btn-bg: var(--navy);
  --btn-fg: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 1rem;
  line-height: 1;
  padding: 0.85rem 1.35rem;
  border-radius: var(--r-md);
  border: 1.5px solid transparent;
  background: var(--btn-bg);
  color: var(--btn-fg);
  cursor: pointer;
  text-decoration: none;
  transition: background var(--dur) var(--ease), transform var(--dur) var(--ease),
    border-color var(--dur) var(--ease), color var(--dur) var(--ease);
}
.btn:hover { background: var(--navy-700); color: #fff; }
.btn:active { transform: translateY(1px); }

.btn--lg { padding: 1rem 1.7rem; font-size: 1.06rem; }
.btn--block { width: 100%; }

.btn--ghost {
  --btn-bg: transparent;
  color: var(--navy);
  border-color: var(--border-strong);
}
.btn--ghost:hover { background: var(--bg-alt); color: var(--navy); border-color: var(--navy); }

.btn--on-navy {
  --btn-bg: #ffffff;
  color: var(--navy);
}
.btn--on-navy:hover { background: #eaf1f8; color: var(--navy); }

.link-inline {
  font-weight: 600;
  color: var(--teal-700);
  text-decoration: underline;
  text-decoration-color: var(--teal-line);
}
.link-inline:hover { text-decoration-color: var(--teal-700); }

/* ============================================================
   HEADER / NAV
   ============================================================ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: saturate(1.1) blur(8px);
  border-bottom: 1px solid var(--border);
}

.bar {
  display: flex;
  align-items: center;
  gap: 1rem;
  min-height: 70px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.22rem;
  letter-spacing: -0.02em;
  color: var(--ink);
  text-decoration: none;
  margin-right: auto;
}
.brand:hover { color: var(--ink); }
.brand__mark { width: 34px; height: 34px; flex: none; }
.brand__mm { color: var(--teal-700); }

/* nav actions in bar */
.bar__actions { display: flex; align-items: center; gap: 0.6rem; }

.nav-toggle {
  display: none;
  align-items: center;
  gap: 0.5rem;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.98rem;
  color: var(--ink);
  background: transparent;
  border: 1.5px solid var(--border-strong);
  border-radius: var(--r-md);
  padding: 0.55rem 0.8rem;
  cursor: pointer;
}
.nav-toggle__bars { width: 18px; height: 12px; position: relative; }
.nav-toggle__bars::before,
.nav-toggle__bars::after,
.nav-toggle__bars span {
  content: "";
  position: absolute;
  left: 0; right: 0;
  height: 2px;
  background: currentColor;
  border-radius: 2px;
  transition: transform var(--dur) var(--ease), opacity var(--dur) var(--ease);
}
.nav-toggle__bars::before { top: 0; }
.nav-toggle__bars span { top: 5px; }
.nav-toggle__bars::after { bottom: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars::before { transform: translateY(5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars span { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle__bars::after { transform: translateY(-5px) rotate(-45deg); }

/* ----- Primary nav (desktop mega) ----- */
.primary-nav { display: flex; align-items: center; gap: 1.2rem; }

.menu {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  list-style: none;
  margin: 0;
  padding: 0;
}
.menu__item { position: relative; }

.menu__trigger {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  color: var(--ink);
  background: transparent;
  border: 0;
  padding: 0.6rem 0.7rem;
  border-radius: var(--r-sm);
  cursor: pointer;
}
.menu__trigger::after {
  content: "";
  width: 8px; height: 8px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translateY(-2px);
  transition: transform var(--dur) var(--ease);
  opacity: 0.7;
}
.menu__item:hover .menu__trigger,
.menu__trigger[aria-expanded="true"] { color: var(--navy); }
.menu__item:hover .menu__trigger::after,
.menu__trigger[aria-expanded="true"]::after { transform: rotate(-135deg) translateY(-2px); }

/* mega panel */
.mega {
  position: absolute;
  top: calc(100% + 12px);
  left: 0;
  min-width: 520px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.4rem 2rem;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-menu);
  padding: 1.4rem 1.5rem;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity var(--dur) var(--ease), transform var(--dur) var(--ease),
    visibility var(--dur) var(--ease);
}
.menu__item:hover .mega,
.menu__item:focus-within .mega,
.menu__trigger[aria-expanded="true"] + .mega {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.mega::before {
  /* hover bridge so it doesn't close in the gap */
  content: "";
  position: absolute;
  top: -12px; left: 0; right: 0; height: 12px;
}

.mega__title {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--teal-700);
  margin: 0 0 0.6rem;
  letter-spacing: 0.01em;
}
.mega__links { list-style: none; margin: 0; padding: 0; }
.mega__links li { margin: 0; }
.mega__links a {
  display: block;
  padding: 0.5rem 0.6rem;
  border-radius: var(--r-sm);
  color: var(--ink);
  text-decoration: none;
  font-weight: 500;
  line-height: 1.35;
}
.mega__links a:hover { background: var(--bg-alt); color: var(--navy); }
.mega__links a small {
  display: block;
  font-weight: 400;
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* drawer backdrop (mobile) */
.nav-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(15, 32, 54, 0.45);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--dur) var(--ease), visibility var(--dur) var(--ease);
  z-index: 90;
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  background: var(--navy);
  color: var(--text-on-navy);
  overflow: hidden;
  isolation: isolate;
}
.hero__media {
  position: absolute;
  inset: 0;
  z-index: -2;
  background-image: url("../img/hero.webp");
  background-repeat: no-repeat;
  background-position: right center;
  background-size: cover;
}
.hero__overlay {
  position: absolute;
  inset: 0;
  z-index: -1;
  background: linear-gradient(
    90deg,
    var(--navy) 0%,
    var(--navy) 34%,
    rgba(30, 58, 95, 0.92) 46%,
    rgba(30, 58, 95, 0.55) 64%,
    rgba(30, 58, 95, 0) 84%
  );
}
.hero__inner {
  position: relative;
  padding-block: clamp(3rem, 6vw, 5.5rem);
  max-width: 620px;
}
.hero h1 {
  color: #fff;
  font-size: clamp(2.1rem, 4.6vw, 3.35rem);
  margin-bottom: 0.7rem;
}
.hero__sub {
  font-size: clamp(1.05rem, 1.6vw, 1.2rem);
  color: var(--text-on-navy);
  max-width: 46ch;
  margin-bottom: 1.5rem;
}

/* amount selector card — the single hero action */
.amount {
  background: #fff;
  color: var(--ink);
  border-radius: var(--r-lg);
  padding: 1.4rem 1.4rem 1.5rem;
  box-shadow: var(--shadow-pop);
  max-width: 460px;
}
.amount__label {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 0.9rem;
}
.amount__label span:first-child { font-weight: 600; color: var(--text); }
.amount__value {
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.9rem;
  color: var(--navy);
  line-height: 1;
}
.amount__range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: var(--r-pill);
  background: var(--border);
  outline-offset: 4px;
  margin: 0.2rem 0 0.4rem;
}
.amount__range::-webkit-slider-runnable-track { height: 8px; border-radius: var(--r-pill); }
.amount__range::-moz-range-track { height: 8px; border-radius: var(--r-pill); background: var(--border); }
.amount__range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px; height: 26px;
  margin-top: -9px;
  border-radius: 50%;
  background: var(--navy);
  border: 4px solid #fff;
  box-shadow: 0 2px 6px rgba(15, 32, 54, 0.3);
  cursor: pointer;
}
.amount__range::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--navy);
  border: 4px solid #fff;
  box-shadow: 0 2px 6px rgba(15, 32, 54, 0.3);
  cursor: pointer;
}
.amount__scale {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-bottom: 1rem;
}
.amount__presets {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1.1rem;
}
.chip {
  font: inherit;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--navy);
  background: var(--bg-alt);
  border: 1.5px solid var(--border);
  border-radius: var(--r-pill);
  padding: 0.4rem 0.85rem;
  cursor: pointer;
  transition: background var(--dur) var(--ease), border-color var(--dur) var(--ease),
    color var(--dur) var(--ease);
}
.chip:hover { border-color: var(--teal); }
.chip[aria-pressed="true"] {
  background: var(--teal-soft);
  border-color: var(--teal);
  color: var(--teal-700);
}
.amount__note {
  font-size: 0.82rem;
  color: var(--text-muted);
  margin: 0.9rem 0 0;
  line-height: 1.5;
}

.hero__fine {
  margin-top: 1.3rem;
  font-size: 0.85rem;
  color: var(--text-on-navy-muted);
  max-width: 52ch;
}
.hero__fine a { color: #cfe0f1; }

.hero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.4rem;
  margin-top: 1.4rem;
  padding: 0;
  list-style: none;
  font-size: 0.9rem;
  color: var(--text-on-navy);
}
.hero__trust li {
  display: flex;
  align-items: center;
  gap: 0.45rem;
  margin: 0;
}
.hero__trust svg { flex: none; color: #6fb3ad; }

/* ============================================================
   CONTENT BLOCKS
   ============================================================ */
.prose { max-width: 68ch; }
.prose p { color: var(--text); }
.prose h2 { margin-top: 0; }

/* two-up intro */
.split {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: clamp(1.5rem, 4vw, 3.5rem);
  align-items: start;
}
.split__aside {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 1.5rem;
}
.section--alt .split__aside { background: var(--bg); }
.split__aside h3 { margin-top: 0; }
.split__aside ul { padding-left: 1.1rem; margin-bottom: 0; }
.split__aside li { color: var(--text-muted); }

/* steps (numbered — real sequence) */
.steps {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.2rem;
  counter-reset: step;
}
.step {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 1.4rem;
  margin: 0;
}
.section--alt .step { background: var(--bg); }
.step__n {
  counter-increment: step;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1rem;
  color: var(--teal-700);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--teal-soft);
  margin-bottom: 0.9rem;
}
.step__n::before { content: counter(step); }
.step h3 { font-size: 1.1rem; margin-bottom: 0.4rem; }
.step p { margin-bottom: 0; color: var(--text-muted); font-size: 0.98rem; }

/* use cases */
.usecases {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.9rem 1.4rem;
}
.usecases li {
  display: flex;
  gap: 0.7rem;
  align-items: flex-start;
  margin: 0;
  padding: 1rem 1.1rem;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  color: var(--text);
}
.section--alt .usecases li { background: var(--bg); }
.usecases svg { flex: none; color: var(--teal); margin-top: 2px; }

/* feature list (why choose us) */
.features {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.2rem;
}
.feature {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 1.4rem;
  margin: 0;
}
.section--alt .feature { background: var(--bg); }
.feature__icon {
  width: 44px; height: 44px;
  border-radius: var(--r-md);
  background: var(--navy);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.9rem;
}
.feature h3 { font-size: 1.08rem; margin-bottom: 0.35rem; }
.feature p { margin: 0; color: var(--text-muted); font-size: 0.97rem; }

/* terms summary cards */
.terms {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.1rem;
}
.term {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 1.3rem;
}
.section--alt .term { background: var(--bg); }
.term__k {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--teal-700);
  margin: 0 0 0.5rem;
}
.term__v {
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1.4rem;
  color: var(--ink);
  line-height: 1.1;
  margin: 0 0 0.5rem;
}
.term p:last-child { margin: 0; font-size: 0.92rem; color: var(--text-muted); }

.inline-note {
  margin-top: 1.4rem;
  color: var(--text-muted);
  max-width: 70ch;
}

/* availability strip */
.availability {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1rem 1.5rem;
  justify-content: space-between;
  background: #fff;
  border: 1px solid var(--border);
  border-left: 4px solid var(--teal);
  border-radius: var(--r-md);
  padding: 1.2rem 1.4rem;
}
.section--alt .availability { background: var(--bg); }
.availability p { margin: 0; }

/* resources grid */
.resources {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 0.9rem 1.2rem;
  list-style: none;
  padding: 0;
  margin: 0;
}
.resource {
  margin: 0;
}
.resource a {
  display: block;
  height: 100%;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  padding: 1.1rem 1.2rem;
  text-decoration: none;
  color: var(--ink);
  transition: border-color var(--dur) var(--ease), transform var(--dur) var(--ease);
}
.section--alt .resource a { background: var(--bg); }
.resource a:hover { border-color: var(--teal); transform: translateY(-2px); }
.resource strong { display: block; font-family: var(--font-head); font-weight: 700; margin-bottom: 0.25rem; }
.resource span { display: block; font-size: 0.92rem; color: var(--text-muted); line-height: 1.45; }

/* FAQ */
.faq { max-width: 78ch; }
.faq__item {
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  background: #fff;
  margin-bottom: 0.7rem;
  overflow: hidden;
}
.section--alt .faq__item { background: var(--bg); }
.faq__item summary {
  list-style: none;
  cursor: pointer;
  padding: 1.05rem 3rem 1.05rem 1.2rem;
  position: relative;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--ink);
}
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary h3 { font-size: inherit; font-family: inherit; margin: 0; font-weight: inherit; color: inherit; }
.faq__item summary::after {
  content: "";
  position: absolute;
  right: 1.2rem;
  top: 1.25rem;
  width: 10px; height: 10px;
  border-right: 2px solid var(--teal-700);
  border-bottom: 2px solid var(--teal-700);
  transform: rotate(45deg);
  transition: transform var(--dur) var(--ease);
}
.faq__item[open] summary::after { transform: rotate(-135deg); }
.faq__a { padding: 0 1.2rem 1.2rem; color: var(--text); }
.faq__a p:last-child { margin-bottom: 0; }

/* CTA band */
.cta-band { text-align: left; }
.cta-band .container {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.4rem 2rem;
}
.cta-band__text { max-width: 56ch; }
.cta-band h2 { color: #fff; margin-bottom: 0.4rem; }
.cta-band p { color: var(--text-on-navy-muted); margin: 0; }

/* disclosures */
.disclosures {
  border-top: 1px solid var(--border);
  background: var(--bg-alt);
}
.disclosure {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.9rem;
  padding: 1.1rem 0;
  border-bottom: 1px solid var(--border);
  align-items: start;
}
.disclosure:last-of-type { border-bottom: 0; }
.disclosure__tag {
  font-weight: 700;
  font-family: var(--font-head);
  color: var(--ink);
  white-space: nowrap;
}
.disclosure--warn {
  background: var(--warn-bg);
  border: 1px solid var(--warn-border);
  border-radius: var(--r-md);
  padding: 1.1rem 1.2rem;
  margin-bottom: 1.2rem;
  color: var(--warn-text);
  grid-column: 1 / -1;
  display: block;
}
.disclosure--warn strong { color: var(--warn-text); }
.disclosure p { margin: 0; color: var(--text-muted); font-size: 0.95rem; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--navy-900);
  color: var(--text-on-navy);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 2rem;
  padding-block: clamp(2.8rem, 5vw, 4rem);
}
.footer-brand .brand { color: #fff; margin-bottom: 0.9rem; }
.footer-brand p { color: var(--text-on-navy-muted); font-size: 0.95rem; max-width: 34ch; }
.footer-col h4 {
  font-size: 0.82rem;
  font-weight: 700;
  color: #8fa8c4;
  margin: 0 0 0.9rem;
  font-family: var(--font-body);
  letter-spacing: 0.02em;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin: 0.15rem 0; }
.footer-col a {
  color: var(--text-on-navy);
  text-decoration: none;
  font-size: 0.96rem;
  display: inline-block;
  padding: 0.25rem 0;
}
.footer-col a:hover { color: #fff; text-decoration: underline; }
.footer-contact p { margin: 0.1rem 0; color: var(--text-on-navy); font-size: 0.96rem; }
.footer-contact a { color: #cfe0f1; }

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-block: 1.3rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem 1.5rem;
  align-items: center;
  justify-content: space-between;
  font-size: 0.85rem;
  color: var(--text-on-navy-muted);
}
.footer-bottom nav { display: flex; flex-wrap: wrap; gap: 0.4rem 1.2rem; }
.footer-bottom a { color: var(--text-on-navy-muted); }
.footer-bottom a:hover { color: #fff; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 960px) {
  .split { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .features { grid-template-columns: 1fr; }
  .terms { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 860px) {
  /* backdrop-filter creates a containing block that would trap the
     fixed drawer inside the header — disable it at drawer widths */
  .site-header { backdrop-filter: none; background: #fff; }

  /* ---- mobile nav: hamburger + full-screen drawer ---- */
  .nav-toggle { display: inline-flex; }

  .primary-nav {
    position: fixed;
    top: 0; right: 0; bottom: 0;
    width: min(90vw, 400px);
    background: #fff;
    border-left: 1px solid var(--border);
    box-shadow: var(--shadow-menu);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 5rem 1.2rem 2rem;
    overflow-y: auto;
    transform: translateX(100%);
    transition: transform var(--dur) var(--ease);
    z-index: 95;
  }
  .primary-nav.is-open { transform: translateX(0); }
  .nav-backdrop.is-open { opacity: 1; visibility: visible; }

  .menu { flex-direction: column; align-items: stretch; gap: 0; }
  .menu__item { border-bottom: 1px solid var(--border); }

  .menu__trigger {
    width: 100%;
    justify-content: space-between;
    padding: 1rem 0.2rem;
    font-size: 1.1rem;
  }
  .menu__trigger::after { transform: rotate(45deg); }
  .menu__trigger[aria-expanded="true"]::after { transform: rotate(-135deg); }

  .mega {
    position: static;
    display: block;
    min-width: 0;
    border: 0;
    box-shadow: none;
    border-radius: 0;
    padding: 0 0.2rem;
    transform: none;
    /* collapsed accordion (robust with multiple children) */
    max-height: 0;
    opacity: 1;
    visibility: hidden;
    overflow: hidden;
    transition: max-height var(--dur) var(--ease), visibility var(--dur) var(--ease);
  }
  /* desktop hover rules must not open on mobile */
  .menu__item:hover .mega,
  .menu__item:focus-within .mega { max-height: 0; visibility: hidden; }
  .menu__trigger[aria-expanded="true"] + .mega {
    max-height: 1000px;
    visibility: visible;
    padding-bottom: 0.8rem;
  }

  .mega__col { padding-block: 0.2rem; }
  .mega__title { margin-top: 0.6rem; }

  .primary-nav .bar__actions,
  .nav-actions {
    display: flex;
    flex-direction: column;
    gap: 0.7rem;
    margin-top: 1.4rem;
  }
  .nav-actions .btn { width: 100%; }
}

@media (max-width: 720px) {
  .usecases { grid-template-columns: 1fr; }
  .resources { grid-template-columns: 1fr; }
  .terms { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 1.6rem; }
  .cta-band .container { flex-direction: column; align-items: flex-start; }

  /* ---- mobile hero: image as full background (navy-dominant), no seam ---- */
  .hero__media {
    inset: 0;
    background-position: 80% top;
    background-size: cover;
  }
  .hero__overlay {
    inset: 0;
    background: linear-gradient(
      180deg,
      rgba(30, 58, 95, 0.5) 0%,
      rgba(30, 58, 95, 0.68) 32%,
      rgba(30, 58, 95, 0.88) 56%,
      var(--navy) 78%
    );
  }
  .hero__inner {
    padding-top: clamp(2.4rem, 8vw, 3.4rem);
    max-width: 100%;
  }
  .amount { max-width: 100%; }
}

@media (max-width: 400px) {
  .amount__presets .chip { flex: 1 1 auto; text-align: center; }
}

/* ---------- Motion preferences ---------- */
@media (prefers-reduced-motion: reduce) {
  * {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

/* ============================================================
   BLOG HUB + ARTICLE PAGES
   ============================================================ */
.page-hero { background: var(--navy); color: var(--text-on-navy); padding-block: clamp(2.6rem, 6vw, 4.5rem); }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4vw, 2.9rem); max-width: 20ch; margin-bottom: 0.6rem; }
.page-hero p { color: var(--text-on-navy-muted); max-width: 62ch; margin-bottom: 0; }
.page-hero .eyebrow { color: #9fe0d7; }
.page-hero .eyebrow::before { background: #6fb3ad; }

.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.post-card {
  display: flex; flex-direction: column;
  background: #fff; border: 1px solid var(--border); border-radius: var(--r-lg);
  overflow: hidden; text-decoration: none; color: var(--ink);
  transition: border-color var(--dur) var(--ease), transform var(--dur) var(--ease);
}
.post-card:hover { border-color: var(--teal); transform: translateY(-3px); }
.post-card__media { aspect-ratio: 16 / 9; background: var(--bg-alt); overflow: hidden; }
.post-card__media img { width: 100%; height: 100%; object-fit: cover; }
.post-card__body { padding: 1.2rem 1.3rem 1.4rem; display: flex; flex-direction: column; gap: 0.5rem; flex: 1; }
.post-card__body h2 { font-size: 1.12rem; margin: 0; line-height: 1.25; }
.post-card__body p { margin: 0; color: var(--text-muted); font-size: 0.94rem; flex: 1; }
.post-card__more { font-weight: 600; color: var(--teal-700); font-size: 0.92rem; }
.post-card--soon { opacity: 0.85; }
.post-card__badge {
  align-self: flex-start; font-size: 0.72rem; font-weight: 700; color: var(--text-muted);
  background: var(--bg-alt); border: 1px solid var(--border); border-radius: var(--r-pill);
  padding: 0.15rem 0.6rem;
}

/* ----- Article ----- */
.article__head { padding-top: clamp(1.4rem, 3vw, 2rem); padding-bottom: clamp(1rem, 2.4vw, 1.5rem); }
.breadcrumb { font-size: 0.88rem; margin-bottom: 1rem; }
.breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: 0.45rem; padding: 0; margin: 0; }
.breadcrumb li { margin: 0; display: flex; gap: 0.45rem; align-items: center; }
.breadcrumb li:not(:last-child)::after { content: "/"; color: var(--border-strong); }
.breadcrumb a { color: var(--text-muted); text-decoration: none; }
.breadcrumb a:hover { color: var(--navy); text-decoration: underline; }
.breadcrumb [aria-current] { color: var(--text-muted); }
.article__head h1 { font-size: clamp(1.9rem, 3.6vw, 2.75rem); max-width: 24ch; margin-bottom: 0; }
.article__hero {
  margin: 0 0 clamp(1.6rem, 3vw, 2.4rem); border-radius: var(--r-lg); overflow: hidden;
  border: 1px solid var(--border); aspect-ratio: 16 / 9; background: var(--bg-alt);
}
.article__hero img { width: 100%; height: 100%; object-fit: cover; display: block; }
.article__body { max-width: 72ch; }
.article__body > p:first-of-type { font-size: 1.14rem; color: var(--text); }
.article__body h2 { font-size: clamp(1.4rem, 2.4vw, 1.8rem); margin-top: 2.2rem; margin-bottom: 0.7rem; }
.article__body h3 { font-size: 1.18rem; margin-top: 1.5rem; margin-bottom: 0.35rem; }
.article__body p { margin-bottom: 1rem; }
.article__body ul, .article__body ol { margin-bottom: 1.1rem; padding-left: 1.3rem; }
.article__body li { margin: 0.4rem 0; }
.article__body a { color: var(--teal-700); text-decoration: underline; text-decoration-color: var(--teal-line); }
.article__body a:hover { text-decoration-color: var(--teal-700); }
.article__body strong { color: var(--ink); }
.article__body figure { margin: 1.6rem 0; }
.article__body figure img { width: 100%; border-radius: var(--r-md); border: 1px solid var(--border); display: block; }
.table-wrap { overflow-x: auto; margin: 1.4rem 0; border: 1px solid var(--border); border-radius: var(--r-md); }
.article__body table { border-collapse: collapse; width: 100%; min-width: 560px; font-size: 0.94rem; }
.article__body th, .article__body td { text-align: left; padding: 0.7rem 0.9rem; border-bottom: 1px solid var(--border); vertical-align: top; }
.article__body thead th { background: var(--bg-alt); font-family: var(--font-head); color: var(--ink); }
.article__body tbody tr:last-child td { border-bottom: 0; }
.article__cta {
  margin-top: 2.6rem; padding: 1.6rem; background: var(--bg-alt);
  border: 1px solid var(--border); border-radius: var(--r-lg);
}
.article__cta h2 { margin-top: 0; font-size: 1.3rem; }
.article__cta p { color: var(--text-muted); }
.article__cta .btn { margin-top: 0.4rem; }

@media (max-width: 820px) { .blog-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .blog-grid { grid-template-columns: 1fr; } }
.article { padding-top: clamp(1.6rem, 3vw, 2.4rem); padding-bottom: clamp(2.6rem, 5vw, 4rem); }
.article__wrap { max-width: 760px; margin-inline: auto; }
.article__body { max-width: none; }
.article__wrap > h1 { font-size: clamp(1.9rem, 3.6vw, 2.6rem); max-width: 26ch; margin: 0 0 clamp(1.4rem, 3vw, 2rem); }

.mega--single { grid-template-columns: 1fr; min-width: 300px; }

/* content-page breadcrumb on navy hero */
.page-hero .breadcrumb { color: var(--text-on-navy-muted); margin-bottom: 1rem; }
.page-hero .breadcrumb a { color: #cfe0f1; }
.page-hero .breadcrumb a:hover { color: #fff; }
.page-hero .breadcrumb li:not(:last-child)::after { color: #5f7fa6; }
.page-hero .breadcrumb [aria-current] { color: var(--text-on-navy-muted); }
.page-hero h1 { max-width: 24ch; }

.article__meta { color: var(--text-muted); font-size: 0.92rem; margin: -0.7rem 0 clamp(1.4rem, 3vw, 2rem); }

/* Apply page form embed */
.apply-wrap { max-width: 960px; margin-inline: auto; }
.apply__title { margin-top: 0; }
/* Contain the third-party form's stacking context so its fields/dropdowns
   can never overlap the sticky site header, and let it fill the width. */
.apply-form {
  min-height: 220px;
  position: relative;
  z-index: 0;
  isolation: isolate;
  width: 100%;
}
.apply-form #_lg_form_,
.apply-form #_lg_form_ * { max-width: 100%; box-sizing: border-box; }
.apply-form iframe { width: 100% !important; max-width: 100% !important; }