.nav-logo{display:flex;align-items:center;flex-shrink:0;}
.nav-logo img{height:44px;width:auto;display:block;}
/* ============================================================
   ERC – Educate & Restore Credit  |  Global Design System
   ============================================================ */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;0,600;0,700;1,400;1,500&family=Montserrat:wght@300;400;500;600;700;800&display=swap');

:root {
  /* Gold — matched to logo warm gold */
  --gold:        #C9A84C;
  --gold-light:  #E8D5A3;
  --gold-dark:   #A0722A;
  /* Black — matched to logo dark background */
  --navy:        #111111;
  --navy-deep:   #0a0a0a;
  --navy-mid:    #1a1a1a;
  /* Warm white backgrounds — clean, not blue-tinted */
  --bg:          #FAFAF8;
  --bg-2:        #F4F3F0;
  --bg-3:        #EEEDE9;
  --bg-card:     #FFFFFF;
  /* Text — dark charcoal on light, white on dark */
  --text:        #111111;
  --text-muted:  #5A5A5A;
  --text-dim:    #999999;
  --border:      rgba(17,17,17,0.10);
  --shadow:      0 8px 40px rgba(0,0,0,0.14);
  --shadow-gold: 0 4px 30px rgba(201,168,76,0.25);
  --radius:      6px;
  --radius-lg:   12px;
  --font-head:   'Cormorant Garamond', Georgia, serif;
  --font-body:   'Montserrat', sans-serif;
  --nav-h:       72px;
  --max-w:       1240px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:var(--font-body);background:var(--bg);color:var(--text);line-height:1.7;font-size:15px;-webkit-font-smoothing:antialiased;}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}
ul{list-style:none;}

.container{max-width:var(--max-w);margin:0 auto;padding:0 28px;}
.gold{color:var(--gold);}
.gold-text{background:linear-gradient(135deg,var(--gold-light),var(--gold),var(--gold-dark));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.text-center{text-align:center;}
.section{padding:96px 0;}
.section-sm{padding:64px 0;}
.gold-rule{border:none;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent);margin:28px 0;opacity:.35;}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 28px;font-family:var(--font-body);font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;border:none;cursor:pointer;transition:all .25s ease;border-radius:var(--radius);}
.btn-gold{background:linear-gradient(135deg,var(--gold-light),var(--gold),var(--gold-dark));color:#fff;box-shadow:var(--shadow-gold);}
.btn-gold:hover{filter:brightness(1.08);transform:translateY(-2px);}
.btn-navy{background:var(--navy);color:#fff;box-shadow:0 4px 20px rgba(17,17,17,.2);}
.btn-navy:hover{background:var(--navy-deep);transform:translateY(-2px);}
.btn-outline{background:transparent;border:1.5px solid var(--gold);color:var(--gold);}
.btn-outline:hover{background:rgba(201,168,76,.07);transform:translateY(-2px);}
.btn-outline-light{background:transparent;border:1.5px solid rgba(255,255,255,.5);color:#fff;}
.btn-outline-light:hover{background:rgba(255,255,255,.1);border-color:#fff;}
.btn-ghost{background:rgba(17,17,17,.06);border:1px solid rgba(17,17,17,.15);color:var(--text-muted);}
.btn-ghost:hover{background:rgba(17,17,17,.1);}
.btn-lg{padding:16px 40px;font-size:12px;}

/* ── HEADER / NAV ─────────────────────────────────────── */
.site-header{position:fixed;top:0;left:0;right:0;z-index:1200;background:rgba(255,255,255,.98);backdrop-filter:blur(16px);box-shadow:0 2px 20px rgba(17,17,17,.08);transition:box-shadow .3s;}
.site-header.scrolled{box-shadow:0 4px 32px rgba(17,17,17,.15);}
.nav-topbar{height:var(--nav-h);}
.nav-topbar-inner{max-width:var(--max-w);margin:0 auto;padding:0 28px;height:100%;display:flex;align-items:center;justify-content:space-between;}
.nav-util{display:flex;align-items:center;gap:8px;}
.nav-util-link{font-size:11px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--text-muted);padding:8px 12px;border-radius:var(--radius);transition:color .2s,background .2s;white-space:nowrap;}
.nav-util-link:hover{color:var(--navy);background:rgba(17,17,17,.05);}

/* Home + About Us in topbar */
.nav-util-home{font-weight:700 !important;color:var(--navy) !important;opacity:1 !important;}
.nav-util-home:hover{background:rgba(17,17,17,.06) !important;}
.nav-util-drop{position:relative;}
.nav-util-drop-trigger{display:flex;align-items:center;gap:4px;cursor:pointer;user-select:none;}
.util-arrow{font-size:9px;opacity:.6;}
.util-dropdown{position:absolute;top:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(-6px);background:#fff;border:1px solid rgba(17,17,17,.1);border-radius:var(--radius-lg);padding:8px;min-width:200px;opacity:0;visibility:hidden;pointer-events:none;transition:all .2s ease;box-shadow:0 12px 48px rgba(17,17,17,.14);z-index:300;}
.nav-util-drop:hover .util-dropdown,.nav-util-drop.active .util-dropdown{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0);}
.util-dropdown a{display:block;padding:11px 16px;font-size:13px;font-weight:500;color:var(--text-muted);border-radius:6px;transition:all .15s;}
.util-dropdown a:hover{color:var(--navy);background:rgba(17,17,17,.05);}

/* Hamburger */
.nav-hamburger{display:flex;flex-direction:column;justify-content:center;align-items:center;gap:5px;width:40px;height:40px;cursor:pointer;border:1.5px solid var(--border);background:#fff;border-radius:var(--radius);flex-shrink:0;transition:border-color .2s,background .2s;}
.nav-hamburger:hover{border-color:var(--navy);background:rgba(17,17,17,.04);}
.nav-hamburger span{display:block;width:18px;height:2px;background:var(--navy);border-radius:2px;transition:all .3s ease;}
.nav-hamburger.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.nav-hamburger.open span:nth-child(2){opacity:0;transform:scaleX(0);}
.nav-hamburger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

/* Drawer overlay */
.nav-overlay{display:none;position:fixed;inset:0;z-index:1250;background:rgba(0,0,0,.45);opacity:0;transition:opacity .3s;}

.nav-mobile-header{display:flex;align-items:center;justify-content:space-between;padding:16px 20px 14px;border-bottom:1px solid var(--border);flex-shrink:0;background:#fff;}
#mobileClose{background:none;border:none;font-size:22px;color:var(--navy);cursor:pointer;opacity:.55;width:36px;height:36px;display:flex;align-items:center;justify-content:center;border-radius:var(--radius);transition:opacity .2s,background .2s;}
#mobileClose:hover{opacity:1;background:rgba(17,17,17,.06);}
.nav-mobile-body{flex:1;overflow-y:auto;padding:12px 14px 40px;display:flex;flex-direction:column;gap:2px;}
.nav-mobile-item{display:block;padding:11px 14px;font-size:14px;font-weight:500;color:var(--navy);opacity:.7;border-radius:var(--radius);transition:all .15s;}
.nav-mobile-item:hover{opacity:1;background:rgba(17,17,17,.05);}
.nav-mobile-group{margin-top:6px;}
.nav-mobile-label{font-size:9px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);padding:10px 14px 4px;display:block;}

/* Mobile: hide topbar extras */
@media(max-width:768px){
  .nav-util-home{display:none;}
  .nav-util-drop{display:none;}
  .nav-util-link{display:none;}
    }

/* ── HERO ─────────────────────────────────────────────── */
.hero{min-height:100vh;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden;padding-top:var(--nav-h);background:linear-gradient(160deg,#0a1628 0%,#0f1e38 50%,#111d35 100%);}
.hero-bg-img{position:absolute;inset:0;z-index:0;}
.hero-bg-img img{width:100%;height:100%;object-fit:cover;object-position:center;}
.hero-bg-img::after{content:'';position:absolute;inset:0;background:linear-gradient(to bottom,rgba(10,10,10,.75) 0%,rgba(10,10,10,.85) 100%);}
.hero-content{position:relative;z-index:1;text-align:center;max-width:860px;padding:0 24px;}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(201,168,76,.18);border:1px solid rgba(201,168,76,.4);border-radius:20px;padding:7px 18px;margin-bottom:28px;font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gold-light);}
.hero-badge-dot{width:6px;height:6px;border-radius:50%;background:var(--gold);animation:pulse 1.8s infinite;}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(1.3)}}
.hero h1{font-family:var(--font-head);font-size:clamp(52px,8vw,100px);font-weight:600;line-height:1.04;margin-bottom:24px;color:#fff;}
.hero p{font-size:18px;color:rgba(232,228,220,.82);max-width:580px;margin:0 auto 44px;line-height:1.85;}
.hero-actions{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;}

/* Page hero */
.page-hero{padding:calc(var(--nav-h) + 72px) 0 72px;position:relative;overflow:hidden;}
.page-hero-img{position:absolute;inset:0;}
.page-hero-img img{width:100%;height:100%;object-fit:cover;}
.page-hero-img::after{content:'';position:absolute;inset:0;background:linear-gradient(to right,rgba(10,10,10,.88) 0%,rgba(10,10,10,.55) 100%);}
.page-hero .container{position:relative;z-index:1;}
.page-hero h1{color:#fff;}
.page-hero p{color:rgba(232,228,220,.78);}
.breadcrumb{font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:rgba(232,228,220,.45);margin-bottom:20px;}
.breadcrumb a{color:var(--gold);}
.breadcrumb span{margin:0 8px;opacity:.4;}

/* Section labels */
.section-label{font-size:10px;font-weight:700;letter-spacing:.28em;text-transform:uppercase;color:var(--gold);margin-bottom:14px;display:block;}
.section-title{font-family:var(--font-head);font-size:clamp(32px,4vw,52px);font-weight:600;line-height:1.1;margin-bottom:20px;color:var(--navy);}
.section-sub{color:var(--text-muted);max-width:580px;font-size:15px;line-height:1.8;}

/* Cards — consistent base */
.card{
  background:var(--bg-card);
  border:1px solid rgba(17,17,17,.1);
  border-radius:var(--radius-lg);
  padding:36px 32px;
  transition:all .25s;
  box-shadow:0 2px 16px rgba(17,17,17,.07);
}
.card:hover{
  border-color:rgba(201,168,76,.4);
  box-shadow:0 8px 36px rgba(17,17,17,.13);
  transform:translateY(-4px);
}
.card-icon{font-size:32px;margin-bottom:20px;}
.card-title{font-family:var(--font-head);font-size:22px;font-weight:600;margin-bottom:12px;color:var(--navy);}
.card-body{color:var(--text-muted);font-size:14px;line-height:1.8;}

/* Who-We-Help cards */
.who-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:44px 36px;text-align:center;display:flex;flex-direction:column;align-items:center;transition:all .3s;box-shadow:0 2px 12px rgba(17,17,17,.06);}
.who-card:hover{border-color:rgba(201,168,76,.4);transform:translateY(-6px);box-shadow:var(--shadow-gold);}
.who-card-img{width:100%;height:200px;object-fit:cover;border-radius:var(--radius);margin-bottom:24px;}
.who-card-icon{width:72px;height:72px;border-radius:50%;background:rgba(17,17,17,.06);border:1px solid var(--border);display:flex;align-items:center;justify-content:center;font-size:28px;margin-bottom:24px;transition:all .3s;}
.who-card:hover .who-card-icon{background:rgba(201,168,76,.12);border-color:rgba(201,168,76,.4);}
.who-card h3{font-family:var(--font-head);font-size:24px;font-weight:600;margin-bottom:14px;color:var(--navy);}
.who-card p{color:var(--text-muted);font-size:14px;line-height:1.8;margin-bottom:28px;flex:1;}

/* ── Diff cards (Why Different section) ─────────────────────── */
.diff-card{
  background:#fff;
  border:1px solid rgba(17,17,17,.1);
  border-radius:var(--radius-lg);
  padding:40px 32px;
  transition:all .3s;
  box-shadow:0 2px 16px rgba(17,17,17,.07);
  position:relative;
}
.diff-card:hover{
  border-color:rgba(201,168,76,.45);
  box-shadow:0 8px 36px rgba(17,17,17,.13);
  transform:translateY(-5px);
}
.diff-card.gold-top{border-top:3px solid var(--gold);}
.diff-card .card-icon{
  font-size:32px;margin-bottom:20px;
  display:block;
  width:56px;height:56px;
  background:rgba(17,17,17,.05);
  border-radius:var(--radius);
  display:flex;align-items:center;justify-content:center;
  margin-bottom:20px;
}
.diff-card .card-title{
  font-size:18px;font-family:var(--font-head);
  font-weight:600;color:var(--navy);
  margin-bottom:12px;line-height:1.3;
}
.diff-card .card-body{font-size:13px;color:var(--text-muted);line-height:1.85;}

/* ── Process steps ────────────────────────────────────────────── */
.step-num{width:52px;height:52px;border-radius:50%;border:1.5px solid var(--gold);display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-size:22px;font-weight:600;color:var(--gold);margin-bottom:20px;flex-shrink:0;background:rgba(201,168,76,.07);}

/* Photo + content side-by-side */
.photo-section-img{border-radius:var(--radius-lg);overflow:hidden;box-shadow:0 16px 56px rgba(17,17,17,.18);}
.photo-section-img img{width:100%;height:100%;object-fit:cover;min-height:380px;}

/* Testimonials */
.testi-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:36px 32px;position:relative;box-shadow:0 2px 16px rgba(17,17,17,.07);}
.testi-card::before{content:'"';position:absolute;top:16px;left:24px;font-family:var(--font-head);font-size:80px;line-height:1;color:var(--gold);opacity:.14;}
.testi-stars{color:var(--gold);font-size:14px;margin-bottom:16px;}
.testi-text{color:var(--text-muted);font-size:14px;line-height:1.85;font-style:italic;margin-bottom:24px;}
.testi-author{display:flex;align-items:center;gap:14px;}
.testi-avatar{width:46px;height:46px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy-mid));display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-size:18px;font-weight:700;color:#fff;flex-shrink:0;}
.testi-name{font-weight:700;font-size:13px;letter-spacing:.04em;color:var(--navy);}
.testi-loc{font-size:11px;color:var(--text-dim);letter-spacing:.06em;text-transform:uppercase;}

/* Stats bar */
.stats-bar{background:var(--navy);padding:56px 0;}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;text-align:center;}
.stat-item{padding:0 24px;border-right:1px solid rgba(255,255,255,.1);}
.stat-item:last-child{border-right:none;}
.stat-num{font-family:var(--font-head);font-size:52px;font-weight:600;color:var(--gold);line-height:1;margin-bottom:8px;}
.stat-label{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:rgba(232,228,220,.6);}

/* CTA banner */
.cta-banner{background:var(--navy);padding:88px 0;text-align:center;position:relative;overflow:hidden;}
.cta-banner::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 80% at 50% 50%,rgba(201,168,76,.12) 0%,transparent 70%);}
.cta-banner .container{position:relative;z-index:1;}
.cta-banner h2{font-family:var(--font-head);font-size:clamp(28px,4vw,46px);font-weight:600;margin-bottom:20px;color:#fff;}
.cta-banner p{color:rgba(232,228,220,.7);font-size:16px;margin-bottom:36px;max-width:540px;margin-left:auto;margin-right:auto;}

/* Partner pills */
.partner-pill{padding:11px 28px;border:1px solid var(--border);border-radius:40px;font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--text-muted);transition:all .22s;background:var(--bg-card);box-shadow:0 2px 8px rgba(17,17,17,.05);}
.partner-pill:hover{border-color:var(--gold);color:var(--navy);}

/* Guarantee */
.guarantee-highlight{background:rgba(255,255,255,.08);border:1px solid rgba(201,168,76,.3);border-radius:var(--radius);padding:22px 26px;margin:24px 0;font-size:14px;color:rgba(232,228,220,.85);line-height:1.85;}

/* Footer */
/* ── FOOTER ── */
.footer{background:var(--navy-deep);color:#fff;padding:64px 0 0;}
@media(max-width:900px){
  .footer .footer-main-grid{grid-template-columns:1fr 1fr !important;}
}
@media(max-width:560px){
  .footer .footer-main-grid{grid-template-columns:1fr !important;}
  .footer .footer-main-grid > div:first-child{text-align:center;}
  .footer .footer-main-grid > div:first-child a[href^="mailto"]{justify-content:center;}
  .footer .footer-main-grid > div:first-child > div:last-child{justify-content:center;}
  .footer .footer-bottom-legal{flex-direction:column;align-items:center;gap:8px !important;}
}

/* Badge */
.badge{display:inline-block;font-size:10px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;padding:5px 14px;border-radius:20px;border:1px solid var(--gold);color:var(--gold);background:rgba(201,168,76,.08);}

/* Forms */
.form-wrap{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:48px 44px;box-shadow:0 4px 32px rgba(17,17,17,.1);}
.form-group{margin-bottom:24px;}
.form-label{display:block;font-size:10px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--text-muted);margin-bottom:8px;}
.form-input,.form-select,.form-textarea{width:100%;padding:13px 18px;background:var(--bg);border:1px solid var(--border);border-radius:var(--radius);color:var(--text);font-family:var(--font-body);font-size:14px;transition:border-color .2s;}
.form-input:focus,.form-select:focus,.form-textarea:focus{outline:none;border-color:var(--gold);background:#fff;}
.form-textarea{min-height:140px;resize:vertical;}
.form-select{appearance:none;cursor:pointer;}
.ghl-placeholder{background:var(--bg-2);border:1.5px dashed rgba(201,168,76,.45);border-radius:var(--radius-lg);padding:52px 32px;text-align:center;color:var(--text-dim);}
.ghl-placeholder div{font-size:36px;margin-bottom:10px;}
.ghl-placeholder p{font-size:13px;letter-spacing:.08em;}

/* Pricing */
.pricing-card{background:var(--bg-card);border:1px solid var(--border);border-radius:var(--radius-lg);padding:40px 36px;display:flex;flex-direction:column;box-shadow:0 2px 16px rgba(17,17,17,.08);transition:all .25s;}
.pricing-card.featured{border-color:var(--gold);box-shadow:var(--shadow-gold),0 0 0 1px rgba(201,168,76,.15);}
.pricing-card:hover{transform:translateY(-4px);box-shadow:0 12px 40px rgba(17,17,17,.14);}
.pricing-name{font-family:var(--font-head);font-size:28px;font-weight:600;margin-bottom:8px;color:var(--navy);}
.pricing-amount{font-family:var(--font-head);font-size:52px;font-weight:600;color:var(--gold);line-height:1;}
.pricing-period{font-size:13px;color:var(--text-muted);margin-left:4px;}
.pricing-desc{color:var(--text-muted);font-size:13px;margin-bottom:28px;line-height:1.8;}
.pricing-features{list-style:none;margin-bottom:36px;flex:1;}
.pricing-features li{display:flex;align-items:flex-start;gap:10px;font-size:13px;color:var(--text-muted);margin-bottom:12px;}
.pricing-features li::before{content:'✓';color:var(--gold);font-weight:700;flex-shrink:0;margin-top:1px;}

/* FAQ */
.faq-item{border-bottom:1px solid var(--border);padding:24px 0;}
.faq-q{display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-weight:700;font-size:15px;color:var(--navy);}
.faq-q::after{content:'+';font-size:20px;color:var(--gold);flex-shrink:0;transition:transform .2s;}
.faq-q.open::after{transform:rotate(45deg);}
.faq-a{display:none;padding-top:16px;color:var(--text-muted);font-size:14px;line-height:1.85;}
.faq-a.open{display:block;}

/* Check list */
.check-list{list-style:none;}
.check-list li{display:flex;align-items:flex-start;gap:12px;font-size:14px;color:var(--text-muted);margin-bottom:14px;line-height:1.7;}
.check-list li::before{content:'✓';color:var(--gold);font-weight:700;flex-shrink:0;margin-top:2px;}

/* Grids */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:32px;}
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}






/* Timeline */
.timeline{position:relative;padding-left:40px;}
.timeline::before{content:'';position:absolute;left:15px;top:0;bottom:0;width:2px;background:linear-gradient(180deg,var(--gold),transparent);}
.tl-item{position:relative;margin-bottom:36px;}
.tl-dot{position:absolute;left:-33px;top:4px;width:20px;height:20px;border-radius:50%;background:linear-gradient(135deg,var(--gold-light),var(--gold));border:3px solid var(--bg);}
.tl-item h4{font-family:var(--font-head);font-size:18px;font-weight:600;margin-bottom:6px;color:var(--navy);}
.tl-item p{color:var(--text-muted);font-size:13px;line-height:1.8;}

/* ── Article cards (blog) ─────────────────────────────────── */
@media(max-width:768px){
  div[style*="grid-template-columns:1fr 1fr"]:not(.grid-2){grid-template-columns:1fr!important;}
}
/* ── Mobile Nav Drawer ─────────────────────────── */
.nav-mobile{
  display:flex;
  position:fixed;top:0;right:0;
  width:320px;max-width:90vw;height:100vh;
  z-index:1300;
  background:#fff;
  box-shadow:-8px 0 48px rgba(17,17,17,.2);
  flex-direction:column;
  transition:transform .3s cubic-bezier(.4,0,.2,1),visibility .3s;
  transform:translateX(100%);
  visibility:hidden;
}
.nav-mobile.open, #mobileNav.open{
  transform:translateX(0);
  visibility:visible;
}
@media(max-width:768px){
  .nav-mobile{width:100%;max-width:100%;}
}

/* ── Rich dropdown ────────────────────────────────────────── */
.util-dropdown-wide{width:320px !important;padding:8px 0 !important;}
.dropdown-header{font-size:9px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;
  color:var(--gold);padding:10px 20px 6px;display:block;}
.dropdown-item-rich{display:flex !important;align-items:flex-start;gap:12px;padding:10px 20px !important;
  border-radius:0 !important;transition:background .15s;}
.dropdown-item-rich:hover{background:rgba(201,168,76,.07) !important;color:var(--navy) !important;}
.dropdown-icon{font-size:18px;flex-shrink:0;margin-top:2px;}
.dropdown-text{display:flex;flex-direction:column;gap:2px;}
.dropdown-text strong{font-size:13px;font-weight:600;color:var(--navy);display:block;}
.dropdown-text small{font-size:11px;color:var(--text-muted);font-weight:400;line-height:1.4;}

@media(max-width:1024px){
  .footer-grid{grid-template-columns:1fr 1fr;}
  .stats-grid{grid-template-columns:repeat(2,1fr);}
  .stat-item{border-right:none;border-bottom:1px solid rgba(255,255,255,.1);padding:24px 0;}
}
@media(max-width:900px){
  .grid-3{grid-template-columns:1fr 1fr;}
  .grid-4{grid-template-columns:1fr 1fr;}
}
@media(max-width:768px){
  .grid-3{grid-template-columns:1fr;}
  .grid-2{grid-template-columns:1fr;}
  .footer-grid{grid-template-columns:1fr;}
  .footer-bottom{flex-direction:column;text-align:center;}
  .section{padding:72px 0;}
  .form-wrap{padding:36px 24px;}
  .hero h1{font-size:clamp(40px,10vw,72px);}
  .hero-actions{flex-direction:column;align-items:center;}
}
@media(max-width:480px){
  .grid-4{grid-template-columns:1fr;}
  .btn-lg{width:100%;justify-content:center;}
  .stats-grid{grid-template-columns:1fr 1fr;}
}

/* ── Legal / Policy Hero ──────────────────────────────────── */
.legal-hero{
  padding: calc(var(--nav-h) + 72px) 0 72px;
  background: linear-gradient(160deg, #0a0a0a 0%, #111111 60%, #1a1a1a 100%);
  position: relative;
  overflow: hidden;
}
.legal-hero::before{
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 20% 50%, rgba(201,168,76,.08) 0%, transparent 60%);
  pointer-events: none;
}
.legal-hero .container{ position: relative; z-index: 1; }
.legal-hero h1{ color: #fff; }

/* ══ PREMIUM SPACING SYSTEM ════════════════════════════════════
   Single source of truth for all vertical rhythm.
   Applied via class overrides — no layout or design changes.
   ════════════════════════════════════════════════════════════ */

/* ── Section padding ───────────────────────────────────────── */
.section    { padding-top: 80px; padding-bottom: 80px; }
.section-sm { padding-top: 56px; padding-bottom: 56px; }
.section-lg { padding-top: 96px; padding-bottom: 96px; }

/* ── CTA banner ─────────────────────────────────────────────── */
.cta-banner { padding-top: 80px; padding-bottom: 80px; }

/* ── Stats bar ──────────────────────────────────────────────── */
.stats-bar  { padding: 52px 0; }
.stats-grid { gap: 0; }
.stat-item  { padding: 20px 24px; }

/* ── Page hero ──────────────────────────────────────────────── */
.page-hero  {
  padding-top:    calc(var(--nav-h) + 72px);
  padding-bottom: 72px;
}

/* ── Section header breathing room ─────────────────────────── */
.section-label { margin-bottom: 10px; }
.section-title { margin-bottom: 16px; }
.section-sub   { margin-bottom: 0; }

/* ── Typography vertical rhythm ────────────────────────────── */
h1, h2, h3 { margin-bottom: 20px; }
h4, h5, h6 { margin-bottom: 14px; }
p           { margin-bottom: 16px; }
p:last-child{ margin-bottom: 0;   }

/* ── Section gaps ───────────────────────────────────────────── */
section + section { margin-top: 0; }

/* ── Card base spacing ──────────────────────────────────────── */
.card         { padding: 36px 32px; }
.card + .card { margin-top: 20px;   }

/* ── CTA / form / pricing ───────────────────────────────────── */
.btn          { margin-top: 0; }
.hero-actions { margin-top: 8px; gap: 14px; }
.form-wrap    { padding: 52px 48px; }
.form-group   { margin-bottom: 22px; }
.pricing-card { padding: 44px 40px; }
.who-card     { padding: 44px 36px; }
.diff-card    { padding: 40px 32px; }
.testi-card   { padding: 36px 32px; }

/* ── Grid gutters ───────────────────────────────────────────── */
.grid-2 { gap: 32px; }
.grid-3 { gap: 28px; }
.grid-4 { gap: 22px; }

/* ── Misc ───────────────────────────────────────────────────── */
.faq-item   { padding: 26px 0;    }
.breadcrumb { margin-bottom: 20px;}


/* ══ CARD LAYOUT SYSTEM ═════════════════════════════════════════
   DESKTOP  → 3-col grid, equal-height cards, icon above text.
   MOBILE   → full-width horizontal rows, icon left, text right.
   Covers both .card/.diff-card class cards AND inline-style cards
   inside .why-boxes / inline grids.
   ════════════════════════════════════════════════════════════ */

/* ── Desktop (≥769px): equal-height columns ────────────────── */
@media (min-width: 769px) {
  .grid-3, .grid-2, .grid-4 { align-items: stretch; }
  .grid-3 > .card,
  .grid-2 > .card,
  .grid-4 > .card { height: 100%; }

  /* diff-card: icon stays in block flow above text */
  .diff-card { display: flex; flex-direction: column; }
  .diff-card .card-icon { flex-shrink: 0; }
}

/* ── Mobile (≤768px): horizontal pill layout ────────────────── */
@media (max-width: 768px) {

  /* --- Section rhythm --- */
  .section    { padding-top: 60px; padding-bottom: 60px; }
  .section-sm { padding-top: 44px; padding-bottom: 44px; }
  .section-lg { padding-top: 72px; padding-bottom: 72px; }
  .cta-banner { padding-top: 60px; padding-bottom: 60px; }
  .stats-bar  { padding: 40px 0; }
  .form-wrap  { padding: 36px 24px; }
  .pricing-card { padding: 36px 28px; }
  h1, h2, h3  { margin-bottom: 16px; }
  p           { margin-bottom: 14px; }

  /* --- Grid gap tightening --- */
  .grid-3, .grid-4 { gap: 12px; }
  .grid-2           { gap: 14px; }
  .card + .card     { margin-top: 0; }

  /* ─────────────────────────────────────────────────────────
     CLASS-BASED CARDS (.card inside any grid)
     ───────────────────────────────────────────────────────── */
  .grid-3 > .card,
  .grid-2 > .card,
  .grid-4 > .card {
    display: flex;
    flex-direction: row;
    align-items: flex-start;
    gap: 16px;
    padding: 18px 20px;
    text-align: left;
    border-radius: 14px;
  }

  /* Icon: fixed square left column */
  .grid-3 > .card > .card-icon,
  .grid-2 > .card > .card-icon,
  .grid-4 > .card > .card-icon {
    font-size: 26px;
    width: 48px;
    height: 48px;
    min-width: 48px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(201,168,76,.08);
    border-radius: 10px;
    margin-bottom: 0;
    flex-shrink: 0;
  }

  /* Text container: fills remaining width */
  .grid-3 > .card > div:not(.card-icon),
  .grid-2 > .card > div:not(.card-icon),
  .grid-4 > .card > div:not(.card-icon) {
    flex: 1;
    min-width: 0;
  }

  /* Title */
  .grid-3 > .card .card-title,
  .grid-2 > .card .card-title,
  .grid-4 > .card .card-title {
    font-size: 16px;
    font-weight: 600;
    margin-bottom: 5px;
    line-height: 1.3;
  }

  /* Body */
  .grid-3 > .card .card-body,
  .grid-2 > .card .card-body,
  .grid-4 > .card .card-body {
    font-size: 13px;
    line-height: 1.65;
    color: var(--text-muted);
  }

  /* No lift on tap */
  .card:hover { transform: none; }

  /* ─────────────────────────────────────────────────────────
     DIFF-CARDS (.diff-card)
     ───────────────────────────────────────────────────────── */
  .diff-card {
    display: flex;
    flex-direction: row;
    align-items: flex-start;
    gap: 16px;
    padding: 18px 20px;
    text-align: left;
  }
  .diff-card .card-icon {
    font-size: 22px;
    width: 48px;
    height: 48px;
    min-width: 48px;
    border-radius: 10px;
    margin-bottom: 0;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
  }
  .diff-card .card-title { font-size: 15px; margin-bottom: 4px; line-height: 1.3; }
  .diff-card .card-body  { font-size: 13px; line-height: 1.65; }
  .diff-card > div:not(.card-icon),
  .diff-card > *:not(.card-icon):not(.badge) { flex: 1; min-width: 0; }

  /* ─────────────────────────────────────────────────────────
     INLINE-STYLE GRID CARDS (.why-boxes and similar containers)
     Targets cards that are direct children of inline-styled
     display:grid containers 
     ───────────────────────────────────────────────────────── */
  .why-boxes,
  div[style*="grid-template-columns:repeat(3,1fr)"],
  div[style*="grid-template-columns:repeat(4,1fr)"],
  div[style*="grid-template-columns: repeat(3, 1fr)"],
  div[style*="grid-template-columns: repeat(4, 1fr)"] {
    grid-template-columns: 1fr !important;
    gap: 12px !important;
  }

  /* Cards INSIDE inline grids: horizontal pill */
  .why-boxes > div,
  div[style*="grid-template-columns:repeat(3,1fr)"] > div,
  div[style*="grid-template-columns:repeat(4,1fr)"] > div,
  div[style*="grid-template-columns: repeat(3, 1fr)"] > div,
  div[style*="grid-template-columns: repeat(4, 1fr)"] > div {
    display: flex !important;
    flex-direction: row !important;
    align-items: flex-start !important;
    gap: 16px !important;
    padding: 18px 20px !important;
    text-align: left !important;
    border-radius: 14px !important;
  }

  /* Icon inside inline-grid card: left-aligned fixed box */
  .why-boxes > div > div:first-child,
  div[style*="grid-template-columns:repeat(3,1fr)"] > div > div:first-child,
  div[style*="grid-template-columns:repeat(4,1fr)"] > div > div:first-child,
  div[style*="grid-template-columns: repeat(3, 1fr)"] > div > div:first-child,
  div[style*="grid-template-columns: repeat(4, 1fr)"] > div > div:first-child {
    width: 48px !important;
    height: 48px !important;
    min-width: 48px !important;
    margin: 0 !important;          /* remove margin:0 auto 16px centering */
    flex-shrink: 0 !important;
    border-radius: 10px !important;
    font-size: 24px !important;
  }

  /* Text block inside inline-grid card */
  .why-boxes > div > h4,
  .why-boxes > div > p,
  div[style*="grid-template-columns:repeat(3,1fr)"] > div > h4,
  div[style*="grid-template-columns:repeat(3,1fr)"] > div > p,
  div[style*="grid-template-columns:repeat(4,1fr)"] > div > h4,
  div[style*="grid-template-columns:repeat(4,1fr)"] > div > p {
    text-align: left !important;
  }
  .why-boxes > div > h4,
  div[style*="grid-template-columns:repeat(3,1fr)"] > div > h4,
  div[style*="grid-template-columns:repeat(4,1fr)"] > div > h4 {
    font-size: 16px !important;
    margin-bottom: 5px !important;
    line-height: 1.3 !important;
  }
  .why-boxes > div > p,
  div[style*="grid-template-columns:repeat(3,1fr)"] > div > p,
  div[style*="grid-template-columns:repeat(4,1fr)"] > div > p {
    font-size: 13px !important;
    line-height: 1.65 !important;
    margin: 0 !important;
  }

  /* who-card stays vertical — it has images */
  .who-card { padding: 28px 22px; text-align: center; }

  /* Inline flex cards (dark section partner cards etc.) */
  .card[style*="display:flex"],
  .card[style*="display: flex"] {
    padding: 18px 20px;
    gap: 14px;
  }
}

/* ── 480px fine-tuning ──────────────────────────────────────── */
@media (max-width: 480px) {
  .section    { padding-top: 48px; padding-bottom: 48px; }
  .section-sm { padding-top: 36px; padding-bottom: 36px; }
  .cta-banner { padding-top: 48px; padding-bottom: 48px; }
  .form-wrap  { padding: 28px 20px; }

  /* Slightly tighter icons */
  .grid-3 > .card > .card-icon,
  .grid-2 > .card > .card-icon,
  .grid-4 > .card > .card-icon,
  .diff-card .card-icon,
  .why-boxes > div > div:first-child,
  div[style*="grid-template-columns:repeat(3,1fr)"] > div > div:first-child,
  div[style*="grid-template-columns:repeat(4,1fr)"] > div > div:first-child {
    width: 42px !important;
    height: 42px !important;
    min-width: 42px !important;
    font-size: 20px !important;
  }

  .grid-3 > .card,
  .grid-2 > .card,
  .grid-4 > .card,
  .diff-card,
  .why-boxes > div,
  div[style*="grid-template-columns:repeat(3,1fr)"] > div,
  div[style*="grid-template-columns:repeat(4,1fr)"] > div {
    padding: 16px !important;
    gap: 12px !important;
  }
}