@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Mono:wght@400;500;600&display=swap');
/* =====================================================================
   BACKEDBRIDGE DESIGN SYSTEM
   A "verified financial instrument" visual language: treasury navy,
   struck gold, and warm document paper. Every numeral on the site
   (prices, stats, reference codes, step counters, pagination) sets in
   the ledger mono face; every card carries a registration corner mark,
   like a stamped, serial-numbered certificate. Dark "vault" surfaces
   (header, footer, dark panels) share a faint engine-turned hairline
   texture, the way a banknote or bond certificate is engraved.
   ===================================================================== */
:root {
  /* -- ink (navy) -- */
  --ink:        #0d2240;   /* primary brand navy — header bg, headings */
  --ink-2:      #16263b;   /* panel navy — dark cards, seals */
  --ink-3:      #0a1f3d;   /* deepest navy — footer, ribbon */
  --ink-soft:   #213a59;   /* lifted navy, gradients/fallbacks */

  /* -- gold (signature accent) -- */
  --gold:       #c9a052;   /* primary struck-gold accent */
  --gold-deep:  #9a7a36;   /* ink-gold, hover/active states */
  --gold-pale:  #d8c08c;   /* pale gold text on dark surfaces */
  --gold-faint: #f1e4bf;   /* brightest gold, hover text on navy */

  /* -- paper (warm neutrals) -- */
  --paper:      #faf6ea;   /* warm section backgrounds */
  --paper-line: #e7dcc0;   /* hairline borders on paper */
  --paper-line-soft: #eee8d6;
  --card:       #fffdf6;   /* input / card surface */

  /* -- text -- */
  --text:       #312e26;   /* body ink, warm charcoal (not pure black) */
  --text-soft:  #6b6453;
  --text-faint: #9a916f;

  /* -- status -- */
  --success:    #2e7d4d;
  --danger:     #b23434;

  /* -- structure -- */
  --radius-lg:  10px;
  --radius-sm:  7px;
  --shadow-sm:  0 2px 10px rgba(13,34,64,0.06);
  --shadow-md:  0 8px 22px rgba(13,34,64,0.12);

  /* -- type -- */
  --font-display: "Playfair Display", Georgia, serif;
  --font-body:    "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-mono:    "IBM Plex Mono", "SF Mono", Menlo, Consolas, "Liberation Mono", monospace;

  /* -- signature engraved texture, used only on vault-navy surfaces -- */
  --texture-engrave:
    repeating-linear-gradient(45deg, rgba(201,160,82,0.05) 0px, rgba(201,160,82,0.05) 1px, transparent 1px, transparent 9px),
    repeating-linear-gradient(-45deg, rgba(201,160,82,0.05) 0px, rgba(201,160,82,0.05) 1px, transparent 1px, transparent 9px);
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { -webkit-text-size-adjust: 100%; }
html, body { min-height: 100%; height: auto; overflow-x: hidden; }
body {
  font-family: var(--font-body);
  color: var(--text);
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  background: #ffffff;
}

/* -- accessibility floor: visible keyboard focus, honor reduced motion -- */
a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
  outline: 2px solid var(--gold-deep);
  outline-offset: 2px;
  border-radius: 3px;
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

/* ---------- SIGNIN PAGE STYLES ---------- */
.signin-shell {
  width: 100%;
  max-width: 920px;
  min-height: 560px;
  border-radius: 10px;
  border: 1px solid #ece5cd;
  box-shadow: 0 2px 10px rgba(28,53,82,0.05);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1fr 1fr;
}

.signin-aside {
  background: #16263b;
  color: #f4ead2;
  padding: 48px 40px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
}
.aside-stats {
  display: flex;
  gap: 28px;
  border-top: 1px solid rgba(244,234,210,0.18);
  padding-top: 24px;
}
.aside-stat-num {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 22px;
  font-weight: 600;
  color: #f4ead2;
}
.aside-stat-label {
  font-size: 11px;
  color: rgba(244,234,210,0.6);
  margin-top: 2px;
}

.signin-form-panel {
  padding: 48px 44px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.signin-form-panel .form-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  color: #a9772f;
  margin-bottom: 8px;
}
.signin-form-panel .form-title {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 24px;
  font-weight: 500;
  color: #16263b;
  margin-bottom: 6px;
}
.signin-form-panel .form-sub {
  font-size: 13px;
  color: #6b6453;
  margin-bottom: 30px;
}
.signin-form-panel .form-sub a {
  color: #a9772f;
  font-weight: 600;
  text-decoration: none;
}
.signin-form-panel .form-sub a:hover {
  text-decoration: underline;
}

.field-toggle {
  background: none;
  border: none;
  cursor: pointer;
  color: #9a916f;
  font-size: 13px;
  padding: 0;
}

.field-row-between {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 26px;
  font-size: 12.5px;
}
.remember-me {
  display: flex;
  align-items: center;
  gap: 7px;
  color: #5c5644;
}
.remember-me input {
  accent-color: #16263b;
  width: 14px;
  height: 14px;
}
.forgot-link {
  color: #a9772f;
  font-weight: 600;
  text-decoration: none;
}
.forgot-link:hover {
  text-decoration: underline;
}

.signin-btn {
  width: 100%;
  background: #16263b;
  color: #f4ead2;
  border: none;
  border-radius: 7px;
  padding: 13px;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.3px;
  cursor: pointer;
  transition: background 0.15s ease;
  font-family: inherit;
}
.signin-btn:hover {
  background: #0f1c2c;
}

.form-divider {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 26px 0;
  font-size: 11px;
  letter-spacing: 0.6px;
  text-transform: uppercase;
  color: #b9b09a;
}
.form-divider::before,
.form-divider::after {
  content: "";
  flex: 1;
  height: 1px;
  background: #eee8d6;
}

/* -- admin variant: no copy, mark + status only -- */
.signin-aside--admin {
  align-items: center;
  justify-content: center;
  gap: 52px;
  text-align: center;
  background: var(--ink-2, #16263b);
  position: relative;
  overflow: hidden;
}
.signin-aside--admin::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 38%, rgba(201,160,82,0.16), transparent 60%);
  pointer-events: none;
}
.admin-mark {
  display: flex;
  flex-direction: column;
  align-items: center;
  position: relative;
  z-index: 1;
}
.aside-seal--lg {
  width: 116px;
  height: 116px;
  margin-bottom: 22px;
  box-shadow: 0 0 0 6px rgba(211,168,92,0.10);
}
.admin-rule {
  width: 30px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold, #c9a052), transparent);
  opacity: 0.7;
  margin-top: 4px;
}
.aside-stats--admin {
  position: relative;
  z-index: 1;
  justify-content: center;
  gap: 48px;
}
.aside-stats--admin > div {
  text-align: center;
}
.admin-status {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 11.5px;
  letter-spacing: 0.04em;
  color: rgba(244,234,210,0.65);
}
.admin-status-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--success, #2e7d4d);
  box-shadow: 0 0 0 3px rgba(46,125,77,0.22);
}

/* ---------- ANNOUNCEMENT RIBBON ---------- */
.ribbon {
  background: #0a1f3d;
  color: #d8c08c;
  font-size: 12px;
  letter-spacing: 0.03em;
  text-align: center;
  padding: 7px 16px;
}
.ribbon strong { color: #f1e4bf; font-weight: 600; }

/* ---------- HEADER ---------- */
.site-header {
  background: #0e2a4d;
  color: #ffffff;
  padding: 0 32px;
}
.header-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 0;
  border-bottom: 1px solid rgba(216,192,140,0.25);
}
.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: "Playfair Display", Georgia, serif;
  font-weight: 600;
  font-size: 18px;
  letter-spacing: 0.3px;
}
.logo span { line-height: 1.15; }
.logo small {
  display: block;
  font-family: "Inter", sans-serif;
  font-weight: 500;
  font-size: 10.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: #d8c08c;
  margin-top: 2px;
}
.logo img {
  width: 56px;
  height: 56px;
  object-fit: contain;
  border-radius: 50%;
  display: block;
  border: 2px solid rgba(216,192,140,0.6);
}
.nav-main {
  display: flex;
  gap: 30px;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.02em;
}
.nav-item {
  cursor: pointer;
  padding: 6px 10px;
  margin: -6px -10px;
  border-radius: 3px;
  transition: color 0.15s ease, background 0.15s ease;
  text-transform: uppercase;
  font-size: 12px;
}
a.nav-item { color: inherit; text-decoration: none; display: inline-block; }
.nav-item:hover { color: #f1e4bf; background: rgba(216,192,140,0.12); }
.nav-sub-row {
  display: flex;
  gap: 26px;
  padding: 10px 0;
  font-size: 12.5px;
  color: rgba(255,255,255,0.75);
}
.nav-sub { cursor: pointer; transition: color 0.15s ease; }
a.nav-sub { color: inherit; text-decoration: none; display: inline-block; }
.nav-sub:hover { color: #f1e4bf; }

/* ---------- HERO (light, on-brand with rest of site) ---------- */
.hero-banner {
  position: relative;
  background: #ffffff;
  flex: 1;
  display: flex;
  align-items: center;
  border-bottom: 1px solid #ece4cd;
}

.hero-inner {
  position: relative;
  z-index: 1;
  max-width: 920px;
  margin: 0 auto;
  padding: 56px 32px 60px;
  text-align: center;
}

.seal-mark {
  width: 85px;
  height: 85px;
  margin: 0 auto 22px;
  border: 5px solid #d3a85c;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  animation: fadeUp 0.7s ease forwards;
  animation-delay: 0.05s;
}
.seal-mark img { width: 85px; height: 85px; }

.hero-eyebrow {
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: #9a7d34;
  margin-bottom: 18px;
  opacity: 0;
  animation: fadeUp 0.7s ease forwards;
  animation-delay: 0.12s;
}

.hero-banner h1 {
  font-family: "Playfair Display", Georgia, serif;
  font-weight: 600;
  font-size: 44px;
  line-height: 1.28;
  letter-spacing: 0.2px;
  color: #0e2a4d;
  margin-bottom: 8px;
  opacity: 0;
  animation: fadeUp 0.7s ease forwards;
  animation-delay: 0.22s;
}
.hero-banner h1 em {
  font-style: italic;
  color: #9a7d34;
}

.gold-rule {
  width: 70px;
  height: 2px;
  background: linear-gradient(90deg, transparent, #c9a85e, transparent);
  margin: 26px auto 26px;
  opacity: 0;
  animation: fadeUp 0.7s ease forwards;
  animation-delay: 0.3s;
}

.hero-banner p.lede {
  font-size: 16px;
  line-height: 1.75;
  color: #555;
  max-width: 600px;
  margin: 0 auto 44px;
  opacity: 0;
  animation: fadeUp 0.7s ease forwards;
  animation-delay: 0.38s;
}

.stats-row {
  display: flex;
  justify-content: center;
  gap: 56px;
  margin-bottom: 46px;
  flex-wrap: wrap;
  opacity: 0;
  animation: fadeUp 0.7s ease forwards;
  animation-delay: 0.46s;
}
.stat { text-align: center; min-width: 100px; }
.stat-value {
  font-family: "Playfair Display", Georgia, serif;
  font-size: 28px;
  font-weight: 600;
  color: #0e2a4d;
  display: block;
}
.stat-label {
  font-size: 11px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #9a8b66;
  margin-top: 4px;
}

.cta-row {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
  opacity: 0;
  animation: fadeUp 0.7s ease forwards;
  animation-delay: 0.54s;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 15px 30px;
  border-radius: 2px;
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  text-decoration: none;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}
.btn:active { transform: translateY(1px); }

.btn-primary {
  background: #0e2a4d;
  color: #ffffff;
  border-color: #0e2a4d;
}
.btn-primary:hover {
  background: #163a66;
  box-shadow: 0 6px 18px rgba(14,42,77,0.25);
  transform: translateY(-1px);
}

.btn-secondary {
  background: transparent;
  color: #0e2a4d;
  border-color: #c9a85e;
}
.btn-secondary:hover {
  background: rgba(201,168,94,0.08);
  border-color: #9a7d34;
  transform: translateY(-1px);
}

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(12px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ---------- QUICK LINKS (formal card row, like official site tiles) ---------- */
.quick-links {
  background: #fcf9ec;
  padding: 0;
}
.quick-links-inner {
  max-width: 1040px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, minmax(0,1fr));
}
.qlink {
  padding: 36px 30px;
  border-right: 1px solid #ece4cd;
  text-align: center;
}
.qlink:last-child { border-right: none; }
.qlink i {
  font-size: 22px;
  color: #9a7d34;
  margin-bottom: 12px;
  display: block;
}
.qlink h3 {
  font-family: "Playfair Display", Georgia, serif;
  font-size: 16px;
  font-weight: 600;
  color: #0e2a4d;
  margin-bottom: 6px;
}
.qlink p {
  font-size: 13px;
  color: #666;
  line-height: 1.6;
}

/* ---------- FOOTER ---------- */
.site-footer {
  background: #0a1f3d;
  color: #ffffff;
  padding: 32px;
  border-top: 1px solid rgba(216,192,140,0.3);
}
.footer-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 24px;
  font-size: 13px;
  padding-bottom: 20px;
  border-bottom: 0.5px solid rgba(255,255,255,0.15);
}
.footer-col-title {
  font-family: "Playfair Display", Georgia, serif;
  font-weight: 600;
  margin-bottom: 10px;
  color: #d8c08c;
}
.footer-col-body { color: rgba(255,255,255,0.7); line-height: 1.7; }
.footer-link { cursor: pointer; transition: color 0.15s ease; }
a.footer-link { color: inherit; text-decoration: none; display: inline-block; } 
.footer-link:hover { color: #ffffff; }
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  font-size: 12px;
  color: rgba(255,255,255,0.7);
}
.footer-icons { display: flex; gap: 16px; }
.footer-icons i { font-size: 15px; transition: opacity 0.15s ease; cursor: pointer; color: #d8c08c; }
.footer-icons i:hover { opacity: 0.7; }

@media (max-width: 640px) {
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .nav-main, .nav-sub-row { display: none; }
  .hero-banner h1 { font-size: 28px; }
  .stats-row { gap: 28px; }
  .hero-inner { padding: 56px 24px 64px; }
  .quick-links-inner { grid-template-columns: 1fr; }
  .qlink { border-right: none; border-bottom: 1px solid #ece4cd; }
  .qlink:last-child { border-bottom: none; }
}


/* ---------- CONTACT PAGE STYLES ---------- */
.main-content {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 56px 32px;
}

.contact-shell {
  width: 100%;
  max-width: 980px;
  min-height: 560px;
  background: #ffffff;
  border-radius: 10px;
  border: 1px solid #ece5cd;
  box-shadow: 0 2px 10px rgba(28,53,82,0.05);
  overflow: hidden;
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
}

.contact-aside {
  background: #16263b;
  color: #f4ead2;
  padding: 48px 40px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.aside-seal {
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background: #16263b;
  border: 2px solid #d3a85c;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 600;
  font-size: 18px;
  letter-spacing: 0.5px;
  margin-bottom: 36px;
  overflow: hidden;
  flex-shrink: 0;
}

.aside-seal img {
  width: 130px;
  height: 130px;
  object-fit: contain;
  border-radius: 50%;
  display: block;
}
.aside-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  color: #d3a85c;
  margin-bottom: 10px;
}
.aside-title {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 24px;
  font-weight: 500;
  line-height: 1.35;
  margin-bottom: 14px;
}
.aside-text {
  font-size: 13.5px;
  line-height: 1.65;
  color: rgba(244,234,210,0.75);
  max-width: 320px;
  margin-bottom: 30px;
}

.contact-info-list {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.contact-info-icon {
  width: 32px;
  height: 32px;
  flex-shrink: 0;
  border-radius: 50%;
  border: 1px solid rgba(211,168,92,0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #d3a85c;
  font-size: 14px;
}
.contact-info-label {
  font-size: 10.5px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  color: rgba(244,234,210,0.55);
  margin-bottom: 2px;
}
.contact-info-value {
  font-size: 13.5px;
  color: #f4ead2;
  line-height: 1.5;
}

.aside-social {
  display: flex;
  gap: 14px;
  border-top: 1px solid rgba(244,234,210,0.18);
  padding-top: 22px;
  margin-top: 28px;
}
.aside-social i {
  font-size: 15px;
  color: rgba(244,234,210,0.7);
  cursor: pointer;
  transition: color 0.15s ease;
}
.aside-social i:hover { color: #d3a85c; }

.contact-form-panel {
  padding: 48px 44px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.form-eyebrow {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  color: #a9772f;
  margin-bottom: 8px;
}
.form-title {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 24px;
  font-weight: 500;
  color: #16263b;
  margin-bottom: 6px;
}
.form-sub {
  font-size: 13px;
  color: #6b6453;
  margin-bottom: 28px;
}

.field-row {
  display: flex;
  gap: 14px;
}
.field-row .field-group {
  flex: 1;
}

.field-group {
  margin-bottom: 16px;
}
.field-label {
  display: block;
  font-size: 12px;
  font-weight: 600;
  color: #16263b;
  margin-bottom: 6px;
}
.field-input-wrap {
  display: flex;
  align-items: center;
  gap: 8px;
  border: 1px solid #e3dcc4;
  border-radius: 7px;
  padding: 10px 12px;
  background: #fffdf6;
  transition: border-color 0.15s ease;
}
.field-input-wrap:focus-within { border-color: #a9772f; }
.field-input-wrap i { font-size: 14px; color: #9a916f; flex-shrink: 0; }
.field-input-wrap input,
.field-input-wrap select {
  flex: 1;
  border: none;
  outline: none;
  background: transparent;
  font-size: 14px;
  color: #1a1a1a;
  font-family: inherit;
  min-width: 0;
}
.field-input-wrap input::placeholder { color: #aaa394; }

.field-textarea-wrap {
  border: 1px solid #e3dcc4;
  border-radius: 7px;
  padding: 10px 12px;
  background: #fffdf6;
  transition: border-color 0.15s ease;
}
.field-textarea-wrap:focus-within { border-color: #a9772f; }
.field-textarea-wrap textarea {
  width: 100%;
  border: none;
  outline: none;
  background: transparent;
  font-size: 14px;
  color: #1a1a1a;
  font-family: inherit;
  resize: vertical;
  min-height: 90px;
}
.field-textarea-wrap textarea::placeholder { color: #aaa394; }

.contact-btn {
  width: 100%;
  background: #16263b;
  color: #f4ead2;
  border: none;
  border-radius: 7px;
  padding: 13px;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.3px;
  cursor: pointer;
  transition: background 0.15s ease;
  font-family: inherit;
  margin-top: 6px;
}
.contact-btn:hover { background: #0f1c2c; }

.secure-note {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 11.5px;
  color: #9a916f;
  justify-content: center;
  margin-top: 18px;
}
.secure-note i { font-size: 13px; color: #a9772f; }

/* ---------- OFFERS PAGE STYLES ---------- */
.content-column { width: 100%; max-width: 1100px; }

.intro-block { text-align: center; margin: 0 auto 36px; max-width: 620px; }
.intro-block h1 {
  font-family: Georgia, "Times New Roman", serif; font-size: 28px; font-weight: 500;
  line-height: 1.3; margin-bottom: 10px; color: #16263b;
}
.intro-block p { font-size: 14px; color: #6b6453; }

.section-row {
  display: flex; align-items: center; justify-content: space-between;
  gap: 16px; margin-bottom: 22px; flex-wrap: wrap;
}
.eyebrow {
  font-size: 11px; font-weight: 600; letter-spacing: 1.6px;
  text-transform: uppercase; color: #a9772f;
}
.eyebrow-sub { font-size: 12px; color: #9a916f; margin-top: 3px; }

.search-bar {
  display: flex; align-items: center; gap: 8px; width: 100%; max-width: 190px;
  background: #ffffff; border: 1px solid #e3dcc4; border-radius: 20px; padding: 8px 14px;
}
.search-bar i { font-size: 13px; color: #9a916f; flex-shrink: 0; }
.search-bar input {
  flex: 1; border: none; outline: none; background: transparent;
  font-size: 13px; color: #1a1a1a; font-family: inherit; min-width: 0;
}
.search-bar input::placeholder { color: #aaa394; }

.rate-toggle {
  display: inline-flex;
  align-items: center;
  background: #ffffff;
  border: 1px solid #e3dcc4;
  border-radius: 20px;
  padding: 3px;
  gap: 2px;
}
.rate-toggle button {
  border: none;
  background: none;
  font-family: inherit;
  font-size: 12px;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 16px;
  cursor: pointer;
  color: #9a916f;
  transition: background 0.15s ease, color 0.15s ease;
}
.rate-toggle button.active {
  background: #16263b;
  color: #f4ead2;
}

.returns-search-group {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: nowrap;
  flex-shrink: 0;
}

.offers-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.offer-card {
  background: #ffffff;
  border-radius: 10px;
  border: 1px solid #ece5cd;
  box-shadow: 0 2px 10px rgba(28,53,82,0.05);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: box-shadow 0.15s ease, transform 0.15s ease;
}
.offer-card:hover {
  box-shadow: 0 8px 22px rgba(28,53,82,0.1);
  transform: translateY(-2px);
}

.offer-image-wrap {
  width: 100%;
  height: 160px;
  overflow: hidden;
  flex-shrink: 0;
}
.offer-image-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.offer-image-fallback {
  width: 100%;
  height: 160px;
  flex-shrink: 0;
  background: linear-gradient(135deg, #16263b, #213a59);
  display: flex;
  align-items: center;
  justify-content: center;
}
.offer-image-fallback .fallback-seal {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  border: 2px solid #d3a85c;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #d3a85c;
  font-size: 22px;
}

.offer-body {
  padding: 18px 20px 20px;
  display: flex;
  flex-direction: column;
  flex: 1;
}

.offer-location {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  color: #a9772f;
  margin-bottom: 6px;
}
.offer-title {
  font-size: 16px;
  font-weight: 600;
  color: #16263b;
  margin-bottom: 8px;
  line-height: 1.35;
}
.offer-desc {
  font-size: 12.5px;
  color: #5c5644;
  line-height: 1.5;
  margin-bottom: 16px;
}

.guarantee-block {
  margin-bottom: 16px;
}
.guarantee-label {
  font-size: 10.5px;
  font-weight: 600;
  letter-spacing: 0.4px;
  text-transform: uppercase;
  color: #9a916f;
  margin-bottom: 6px;
}
.guarantee-split-bar {
  display: flex;
  width: 100%;
  height: 6px;
  border-radius: 4px;
  overflow: hidden;
  margin-bottom: 6px;
}
.split-gslcb { width: 50%; background: #16263b; }
.split-bank { width: 50%; background: #d3a85c; }
.guarantee-names {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: #5c5644;
}
.guarantee-names .bank-half {
  display: flex;
  align-items: center;
  gap: 5px;
  font-weight: 600;
  color: #16263b;
}
.guarantee-names .gslcb-half {
  color: #6b6453;
}

.offer-stats {
  display: flex;
  gap: 18px;
  border-top: 1px solid #eee8d6;
  padding-top: 14px;
  margin-top: auto;
  margin-bottom: 16px;
}
.stat-block { flex: 1; }
.stat-value {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 20px;
  font-weight: 600;
  color: #16263b;
  line-height: 1.1;
}
.stat-value.accent { color: #a9772f; }
.stat-label {
  font-size: 10.5px;
  color: #9a916f;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  margin-top: 3px;
}

.offer-btn {
  width: 100%;
  background: #16263b;
  color: #f4ead2;
  border: none;
  border-radius: 7px;
  padding: 11px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.2px;
  cursor: pointer;
  transition: background 0.15s ease;
  font-family: inherit;
}
.offer-btn:hover { background: #0f1c2c; }

/* ---------- PARTNERS PAGE STYLES ---------- */
.registry-panel {
  border-radius: 10px;
  border: 1px solid #ece5cd;
  box-shadow: 0 2px 10px rgba(28,53,82,0.05);
  overflow: hidden;
}

.bank-list {
  display: flex;
  flex-direction: column;
}
.bank-row {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px 28px;
  border-bottom: 1px solid #eee8d6;
  transition: background 0.15s ease;
}
.bank-row:last-child {
  border-bottom: none;
}
.bank-row:hover {
  background: #fbf7ea;
}
.bank-seal {
  width: 50px;
  height: 50px;
  flex-shrink: 0;
  border-radius: 50%;
  background: #16263b;
  border: 2px solid #d3a85c;
  color: #f4ead2;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 600;
  font-size: 15px;
  letter-spacing: 0.5px;
}
.bank-info {
  display: flex;
  flex-direction: column;
  gap: 4px;
  min-width: 0;
}
.bank-name {
  font-size: 15px;
  font-weight: 600;
  color: #16263b;
}
.bank-desc {
  font-size: 13px;
  color: #5c5644;
  line-height: 1.45;
}
.bank-signed {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.4px;
  text-transform: uppercase;
  color: #a9772f;
}


/* ---------- PAGINATION ---------- */
.pagination {
  display: flex; align-items: baseline; justify-content: center;
  gap: 18px; margin-top: 40px;
}
.pager-num {
  font-family: Georgia, "Times New Roman", serif; background: none; border: none;
  cursor: pointer; color: #b9b09a; font-size: 18px; font-weight: 600;
  padding: 4px 2px; transition: color 0.15s ease, font-size 0.15s ease;
}
.pager-num:hover { color: #a9772f; }
.pager-num.active { color: #16263b; font-size: 32px; cursor: default; }
.pager-arrow {
  background: none; border: none; cursor: pointer; color: #1a1a1a;
  font-size: 16px; opacity: 0.7; padding: 4px 2px; transition: opacity 0.15s ease;
}
.pager-arrow:hover { opacity: 1; }
.pager-arrow[disabled] { opacity: 0.2; cursor: default; }

/* ---------- RESPONSIVE OVERRIDES ---------- */
@media (max-width: 900px) {
  .offers-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 760px) {
  .contact-shell { grid-template-columns: 1fr; min-height: auto; }
  .contact-form-panel { padding: 40px 28px; }
  .field-row { flex-direction: column; gap: 0; }
  .signin-shell { grid-template-columns: 1fr; min-height: auto; }
  .signin-aside { display: none; }
  .signin-form-panel { padding: 40px 28px; }
}
@media (max-width: 640px) {
  .section-row { flex-direction: column; align-items: flex-start; }
  .returns-search-group { flex-wrap: wrap; }
  .search-bar { max-width: 100%; }
  .offers-grid { grid-template-columns: 1fr; }
}

/* ---------- ABOUT PAGE STYLES ---------- */
.nav-sub.active {
  color: #f1e4bf;
}

.about-hero {
  min-height: auto;
}

.about-hero-inner {
  max-width: 960px;
  padding-bottom: 70px;
}

.about-section {
  padding: 70px 32px;
  background: #ffffff;
}

.about-intro-section {
  border-bottom: 1px solid #ece4cd;
}

.about-shell {
  width: 100%;
  max-width: 1080px;
  margin: 0 auto;
}

.two-column {
  display: grid;
  grid-template-columns: 1.12fr 0.88fr;
  gap: 42px;
  align-items: center;
}

.about-copy h2,
.about-section-title,
.risk-copy h2,
.about-final-inner h2 {
  font-family: "Playfair Display", Georgia, serif;
  font-size: 30px;
  font-weight: 600;
  line-height: 1.28;
  color: #0e2a4d;
  margin-top: 8px;
  margin-bottom: 18px;
}

.about-copy p,
.risk-copy p {
  font-size: 14.5px;
  line-height: 1.75;
  color: #5c5644;
  margin-bottom: 14px;
}

.about-highlight-card {
  background: #fcf9ec;
  border: 1px solid #ece4cd;
  border-radius: 10px;
  padding: 34px;
  box-shadow: 0 2px 10px rgba(28,53,82,0.05);
}

.about-highlight-card i {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  border: 1px solid rgba(211,168,92,0.65);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #a9772f;
  font-size: 22px;
  margin-bottom: 18px;
}

.about-highlight-card h3,
.process-card h3 {
  font-family: "Playfair Display", Georgia, serif;
  font-size: 19px;
  font-weight: 600;
  color: #16263b;
  margin-bottom: 10px;
}

.about-highlight-card p,
.process-card p,
.about-section-sub {
  font-size: 13.5px;
  color: #6b6453;
  line-height: 1.65;
}

.about-pillars {
  border-bottom: 1px solid #ece4cd;
}

.about-pillar-grid .qlink {
  min-height: 230px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.about-section-row {
  align-items: flex-end;
  margin-bottom: 28px;
}

.about-section-sub {
  max-width: 340px;
  text-transform: none;
  letter-spacing: 0;
  font-weight: 400;
}

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.process-card {
  background: #ffffff;
  border: 1px solid #ece5cd;
  border-radius: 10px;
  padding: 26px 22px;
  box-shadow: 0 2px 10px rgba(28,53,82,0.05);
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}

.process-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(28,53,82,0.1);
}

.process-number {
  display: inline-block;
  font-family: "Playfair Display", Georgia, serif;
  font-size: 27px;
  font-weight: 600;
  color: #d3a85c;
  margin-bottom: 22px;
}

.about-dark-section {
  background: #0a1f3d;
  color: #ffffff;
}

.risk-shell {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 46px;
  align-items: center;
}

.risk-copy h2 {
  color: #f4ead2;
}

.risk-copy p {
  color: rgba(244,234,210,0.72);
}

.risk-list {
  display: grid;
  grid-template-columns: 1fr;
  gap: 12px;
}

.risk-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  border-radius: 8px;
  border: 1px solid rgba(244,234,210,0.16);
  background: rgba(255,255,255,0.04);
  color: #f4ead2;
  font-size: 14px;
}

.risk-item i {
  width: 26px;
  height: 26px;
  flex-shrink: 0;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(211,168,92,0.14);
  color: #d3a85c;
  font-size: 15px;
}

.risk-item.muted {
  color: rgba(244,234,210,0.68);
}

.about-crossborder-section {
  background: #fcf9ec;
}

.transborder-card {
  background: #ffffff;
  border: 1px solid #ece4cd;
  border-radius: 10px;
  overflow: hidden;
  box-shadow: 0 2px 10px rgba(28,53,82,0.05);
}

.transborder-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 22px;
  border-bottom: 1px solid #eee8d6;
  font-size: 13.5px;
  color: #6b6453;
}

.transborder-row:last-child {
  border-bottom: none;
}

.transborder-row strong {
  color: #16263b;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.about-final-cta {
  padding: 76px 32px;
  background: #ffffff;
  text-align: center;
  border-top: 1px solid #ece4cd;
}

.about-final-inner {
  max-width: 760px;
  margin: 0 auto;
}

.about-final-inner h2 {
  margin-bottom: 26px;
}

@media (max-width: 900px) {
  .two-column,
  .risk-shell {
    grid-template-columns: 1fr;
  }

  .process-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .reverse-mobile .transborder-card {
    order: 2;
  }
}

/* ---------- CREATE OFFER PAGE STYLES ---------- */
.offer-form-hero-inner {
  max-width: 760px;
  padding: 48px 32px 52px;
}
.offer-form-hero-inner .lede {
  margin-bottom: 0;
}

.offer-form-section {
  background: #fcf9ec;
  padding: 56px 32px 72px;
}
.offer-form-shell {
  max-width: 1180px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 0.85fr 1.6fr;
  gap: 28px;
  align-items: start;
}

.offer-form-aside {
  display: flex;
  flex-direction: column;
  gap: 20px;
  position: sticky;
  top: 24px;
}

.side-panel {
  background: #ffffff;
  border: 1px solid #ece4cd;
  border-radius: 10px;
  padding: 30px 26px;
  box-shadow: 0 2px 10px rgba(28,53,82,0.05);
}
.side-panel-dark {
  background: #16263b;
  color: #f4ead2;
  border: none;
}
.side-panel-dark h2 {
  font-family: "Playfair Display", Georgia, serif;
  font-size: 19px;
  font-weight: 600;
  line-height: 1.4;
  margin-bottom: 12px;
}
.side-panel-dark p {
  font-size: 13px;
  line-height: 1.65;
  color: rgba(244,234,210,0.75);
  margin-bottom: 22px;
}
.side-panel .eyebrow,
.side-panel .aside-eyebrow {
  display: block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  color: #a9772f;
  margin-bottom: 14px;
}
.side-panel-dark .eyebrow,
.side-panel-dark .aside-eyebrow {
  color: #d3a85c;
}

.side-checklist {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.side-checklist div {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 13px;
  line-height: 1.5;
  color: rgba(244,234,210,0.9);
}
.side-checklist i {
  color: #d3a85c;
  font-size: 14px;
  margin-top: 2px;
  flex-shrink: 0;
}

.finance-check-row {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 12px;
  font-size: 13px;
  color: #6b6453;
  padding: 10px 0;
  border-bottom: 1px solid #eee8d6;
}
.finance-check-row:last-of-type { border-bottom: none; }
.finance-check-row strong {
  font-family: "Playfair Display", Georgia, serif;
  font-size: 15px;
  font-weight: 600;
  color: #16263b;
}
.finance-status {
  margin-top: 14px;
  padding: 12px 14px;
  border-radius: 7px;
  font-size: 12.5px;
  line-height: 1.5;
  background: #f4f1e4;
  color: #6b6453;
  border: 1px solid #ece4cd;
}
.finance-status.success {
  background: rgba(46,125,77,0.08);
  border-color: rgba(46,125,77,0.25);
  color: #2e7d4d;
}
.finance-status.error {
  background: rgba(178,52,52,0.08);
  border-color: rgba(178,52,52,0.25);
  color: #b23434;
}

.bb-form {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.form-card {
  background: #ffffff;
  border: 1px solid #ece4cd;
  border-radius: 10px;
  padding: 32px 34px;
  box-shadow: 0 2px 10px rgba(28,53,82,0.05);
}
.form-card legend {
  display: flex;
  align-items: center;
  gap: 12px;
  width: 100%;
  font-family: "Playfair Display", Georgia, serif;
  font-size: 19px;
  font-weight: 600;
  color: #16263b;
  margin-bottom: 6px;
}
.form-card legend span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  flex-shrink: 0;
  border-radius: 50%;
  background: #16263b;
  color: #d3a85c;
  font-family: "Inter", sans-serif;
  font-size: 12.5px;
  font-weight: 700;
}
.form-card-sub {
  font-size: 13.5px;
  color: #6b6453;
  line-height: 1.6;
  margin-bottom: 22px;
  padding-left: 42px;
}

.form-grid {
  display: grid;
  gap: 18px 20px;
}
.form-grid.two {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}
.form-grid .field-group {
  margin-bottom: 0;
}
.field-group.full {
  grid-column: 1 / -1;
}

.file-input-wrap {
  display: flex;
  align-items: center;
  gap: 10px;
  border: 1.5px dashed #d8c89a;
  border-radius: 7px;
  padding: 14px 16px;
  background: #fffdf6;
  cursor: pointer;
  font-size: 14px;
  color: #6b6453;
  transition: border-color 0.15s ease, background 0.15s ease;
  position: relative;
}
.file-input-wrap:hover {
  border-color: #a9772f;
  background: #fcf6e8;
}
.file-input-wrap i {
  font-size: 16px;
  color: #a9772f;
  flex-shrink: 0;
}
.file-input-wrap input[type="file"] {
  position: absolute;
  width: 1px;
  height: 1px;
  opacity: 0;
  overflow: hidden;
}

/* ---------- PROJECT PHOTOS (optional cover + gallery upload) ---------- */
.photo-main-wrap {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
  min-height: 200px;
  border: 1.5px dashed #d8c89a;
  border-radius: 10px;
  background: #fffdf6;
  cursor: pointer;
  overflow: hidden;
  transition: border-color 0.15s ease, background 0.15s ease;
}
.photo-main-wrap:hover {
  border-color: #a9772f;
  background: #fcf6e8;
}
.photo-main-wrap input[type="file"] {
  position: absolute;
  width: 1px;
  height: 1px;
  opacity: 0;
  overflow: hidden;
}
.photo-main-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  text-align: center;
  padding: 36px 24px;
  color: #6b6453;
}
.photo-main-placeholder i {
  font-size: 26px;
  color: #a9772f;
  margin-bottom: 4px;
}
.photo-main-placeholder span {
  font-size: 14px;
  font-weight: 600;
  color: #16263b;
}
.photo-main-placeholder small {
  font-size: 12px;
  color: #9a916f;
}
.photo-main-preview {
  width: 100%;
  height: 220px;
  object-fit: cover;
  display: block;
}
.photo-main-preview[hidden] {
  display: none;
}
.photo-remove-btn {
  position: absolute;
  top: 10px;
  right: 10px;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  border: none;
  background: rgba(13,34,64,0.78);
  color: #f4ead2;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  cursor: pointer;
  z-index: 2;
  transition: background 0.15s ease;
}
.photo-remove-btn[hidden] {
  display: none;
}
.photo-remove-btn:hover {
  background: #b23434;
}
.photo-remove-btn svg {
  width: 14px;
  height: 14px;
  stroke: currentColor;
  stroke-width: 2.4;
  stroke-linecap: round;
  fill: none;
  pointer-events: none;
}
.photo-thumb .photo-remove-btn svg {
  width: 11px;
  height: 11px;
}
.photo-gallery-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(96px, 1fr));
  gap: 10px;
  margin-top: 14px;
}
.photo-thumb {
  position: relative;
  width: 100%;
  aspect-ratio: 1 / 1;
  border-radius: 8px;
  overflow: hidden;
  border: 1px solid #ece4cd;
  background: #fffdf6;
}
.photo-thumb img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.photo-thumb .photo-remove-btn {
  width: 22px;
  height: 22px;
  top: 6px;
  right: 6px;
  font-size: 11px;
}

.notice-box {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: #fcf9ec;
  border: 1px solid #ece4cd;
  border-radius: 8px;
  padding: 16px 18px;
  margin: 8px 0 22px;
}
.notice-box i {
  font-size: 16px;
  color: #a9772f;
  margin-top: 1px;
  flex-shrink: 0;
}
.notice-box p {
  font-size: 12.5px;
  line-height: 1.6;
  color: #6b6453;
}

.confirm-line {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 13px;
  line-height: 1.55;
  color: #5c5644;
  cursor: pointer;
  margin-top: 14px;
}
.confirm-line input[type="checkbox"] {
  margin-top: 3px;
  width: 16px;
  height: 16px;
  flex-shrink: 0;
  accent-color: #16263b;
  cursor: pointer;
}

.form-actions-card {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  background: #ffffff;
  border: 1px solid #ece4cd;
  border-radius: 10px;
  padding: 26px 32px;
  box-shadow: 0 2px 10px rgba(28,53,82,0.05);
  flex-wrap: wrap;
}
.form-actions-card strong {
  display: block;
  font-size: 15px;
  color: #16263b;
  margin-bottom: 4px;
}
.form-actions-card p {
  font-size: 13px;
  color: #6b6453;
  line-height: 1.5;
  max-width: 420px;
}
.form-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.form-actions .btn {
  padding: 13px 24px;
}

.submit-message {
  font-size: 13.5px;
  line-height: 1.6;
  text-align: center;
}
.submit-message.success {
  color: #2e7d4d;
  background: rgba(46,125,77,0.08);
  border: 1px solid rgba(46,125,77,0.25);
  border-radius: 8px;
  padding: 14px 18px;
}
.submit-message.error {
  color: #b23434;
  background: rgba(178,52,52,0.08);
  border: 1px solid rgba(178,52,52,0.25);
  border-radius: 8px;
  padding: 14px 18px;
}

@media (max-width: 980px) {
  .offer-form-shell { grid-template-columns: 1fr; }
  .offer-form-aside { position: static; }
}
@media (max-width: 640px) {
  .offer-form-section { padding: 40px 20px 56px; }
  .form-card { padding: 26px 22px; }
  .form-card-sub { padding-left: 0; }
  .form-grid.two { grid-template-columns: 1fr; }
  .form-actions-card { flex-direction: column; align-items: flex-start; }
  .form-actions { width: 100%; }
  .form-actions .btn { flex: 1; justify-content: center; }
}

/* ---------- EMAIL VERIFICATION BUBBLE (modal) ---------- */
.verify-modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(13, 34, 64, 0.55);
  backdrop-filter: blur(2px);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  z-index: 1200;
  animation: verifyFadeIn 0.2s ease forwards;
}
.verify-modal-overlay[hidden] { display: none; }

@keyframes verifyFadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

.verify-modal {
  position: relative;
  width: 100%;
  max-width: 420px;
  background: var(--card, #fffdf6);
  border: 1px solid var(--paper-line, #e7dcc0);
  border-radius: var(--radius-lg, 10px);
  box-shadow: var(--shadow-md, 0 8px 22px rgba(13,34,64,0.12));
  padding: 38px 32px 32px;
  text-align: center;
  animation: verifyPopIn 0.25s cubic-bezier(.2,.7,.2,1) forwards;
}

@keyframes verifyPopIn {
  from { opacity: 0; transform: translateY(10px) scale(0.97); }
  to   { opacity: 1; transform: translateY(0) scale(1); }
}

.verify-modal-close {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 30px;
  height: 30px;
  border: none;
  border-radius: 50%;
  background: transparent;
  color: var(--text-soft, #6b6453);
  font-size: 15px;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background 0.15s ease, color 0.15s ease;
}
.verify-modal-close:hover {
  background: rgba(13,34,64,0.06);
  color: var(--ink, #0d2240);
}
.verify-modal-close[hidden] { display: none; }

.verify-icon {
  width: 54px;
  height: 54px;
  margin: 0 auto 16px;
  border-radius: 50%;
  background: var(--ink, #0d2240);
  color: var(--gold, #c9a052);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
}

.verify-spinner {
  width: 48px;
  height: 48px;
  margin: 4px auto 18px;
  border: 4px solid var(--paper-line, #e7dcc0);
  border-top-color: var(--gold-deep, #9a7a36);
  border-radius: 50%;
  animation: verifySpin 0.8s linear infinite;
}
.verify-spinner[hidden] { display: none; }

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

.verify-modal h3 {
  font-family: var(--font-display);
  font-size: 19px;
  font-weight: 600;
  color: var(--ink-2, #16263b);
  margin-bottom: 10px;
}

.verify-sub {
  font-size: 13.5px;
  line-height: 1.6;
  color: var(--text-soft, #6b6453);
  margin-bottom: 22px;
}
.verify-sub strong { color: var(--ink-2, #16263b); }

.verify-code-row {
  display: flex;
  justify-content: center;
  margin-bottom: 14px;
}
.verify-code-input {
  width: 100%;
  max-width: 220px;
  text-align: center;
  font-family: var(--font-mono);
  font-size: 24px;
  font-weight: 600;
  letter-spacing: 0.5em;
  padding: 12px 14px;
  border: 1.5px solid var(--paper-line, #e7dcc0);
  border-radius: var(--radius-sm, 7px);
  background: #ffffff;
  color: var(--ink, #0d2240);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}
.verify-code-input:focus {
  outline: none;
  border-color: var(--gold-deep, #9a7a36);
  box-shadow: 0 0 0 3px rgba(201,160,82,0.18);
}
.verify-code-input::placeholder {
  letter-spacing: 0.5em;
  color: #d8c89a;
}

.verify-status {
  min-height: 18px;
  font-size: 12.5px;
  line-height: 1.5;
  color: var(--text-soft, #6b6453);
  margin-bottom: 18px;
}
.verify-status.info { color: var(--gold-deep, #9a7a36); }
.verify-status.error { color: var(--danger, #b23434); }

.verify-actions {
  display: flex;
  gap: 10px;
  justify-content: center;
  flex-wrap: wrap;
}
.verify-actions .btn { padding: 12px 20px; }
.verify-actions .btn:disabled {
  opacity: 0.6;
  cursor: not-allowed;
}

.verify-step-success .verify-modal,
.verify-step-success { text-align: center; }

.verify-check-circle {
  width: 64px;
  height: 64px;
  margin: 0 auto 18px;
  border-radius: 50%;
  background: var(--success, #2e7d4d);
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  animation: verifyCheckPop 0.4s cubic-bezier(.2,.8,.3,1.2) forwards;
}

@keyframes verifyCheckPop {
  0%   { transform: scale(0); opacity: 0; }
  60%  { transform: scale(1.12); opacity: 1; }
  100% { transform: scale(1); opacity: 1; }
}

#verifyDoneBtn { margin-top: 4px; }

@media (prefers-reduced-motion: reduce) {
  .verify-modal-overlay,
  .verify-modal,
  .verify-check-circle {
    animation: none;
  }
}


@media (max-width: 640px) {
  .about-section {
    padding: 50px 24px;
  }

  .about-copy h2,
  .about-section-title,
  .risk-copy h2,
  .about-final-inner h2 {
    font-size: 24px;
  }

  .process-grid {
    grid-template-columns: 1fr;
  }

  .transborder-row {
    flex-direction: column;
    align-items: flex-start;
  }
}

/* =====================================================================
   SIGNATURE LAYER — "the verified instrument"
   Three coherent moves, applied site-wide without touching markup:
   1. Engine-turned hairline texture on every vault-navy surface.
   2. A struck-gold registration corner mark on every card/panel —
      every listing, every form section, every panel reads as a
      verified, serial-numbered document.
   3. One typographic rule: every numeral on the site — prices, stats,
      reference codes, step counters, pagination — sets in the ledger
      mono face. Words stay serif/sans; numbers always read as data.
   ===================================================================== */

/* -- 1. engraved vault texture -- */
.site-header,
.site-footer,
.ribbon,
.side-panel-dark,
.contact-aside,
.about-dark-section {
  background-image: var(--texture-engrave);
}

/* -- 2. registration corner marks -- */
.form-card,
.offer-card,
.side-panel,
.contact-shell,
.signin-shell,
.registry-panel,
.about-highlight-card,
.process-card,
.transborder-card {
  position: relative;
}
.form-card::before, .form-card::after,
.offer-card::before, .offer-card::after,
.side-panel::before, .side-panel::after,
.contact-shell::before, .contact-shell::after,
.signin-shell::before, .signin-shell::after,
.registry-panel::before, .registry-panel::after,
.about-highlight-card::before, .about-highlight-card::after,
.process-card::before, .process-card::after,
.transborder-card::before, .transborder-card::after {
  content: '';
  position: absolute;
  width: 13px;
  height: 13px;
  opacity: 0.55;
  pointer-events: none;
  z-index: 2;
}
.form-card::before, .offer-card::before, .side-panel::before,
.contact-shell::before, .signin-shell::before, .registry-panel::before,
.about-highlight-card::before, .process-card::before, .transborder-card::before {
  top: 9px; left: 9px;
  border-top: 1.5px solid var(--gold);
  border-left: 1.5px solid var(--gold);
}
.form-card::after, .offer-card::after, .side-panel::after,
.contact-shell::after, .signin-shell::after, .registry-panel::after,
.about-highlight-card::after, .process-card::after, .transborder-card::after {
  bottom: 9px; right: 9px;
  border-bottom: 1.5px solid var(--gold);
  border-right: 1.5px solid var(--gold);
}

/* -- 3. ledger mono numerals, site-wide -- */
.stat-value,
.finance-check-row strong,
.pager-num,
.process-number,
.form-card legend span,
#projectRef {
  font-family: var(--font-mono);
}
.stats-row .stat-value {
  font-size: 36px;
  letter-spacing: 0.01em;
}
.stats-row .stat-label {
  margin-top: 7px;
}

/* -- double hairline under section headings, banknote-style -- */
.gold-rule {
  position: relative;
}
.gold-rule::after {
  content: '';
  position: absolute;
  left: 50%;
  top: 5px;
  transform: translateX(-50%);
  width: 38px;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
  opacity: 0.55;
}

/* -- active navigation states (previously unstyled) -- */
.nav-item.active {
  color: var(--gold-faint);
  background: rgba(201,160,82,0.14);
  box-shadow: inset 0 -2px 0 var(--gold);
}
.nav-sub.active {
  position: relative;
}
.nav-sub.active::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  bottom: -6px;
  height: 2px;
  background: var(--gold);
}

/* -- refined button surfaces -- */
.btn-primary {
  background: linear-gradient(180deg, var(--ink-soft) 0%, var(--ink) 100%);
  border-color: var(--ink);
  color: #fff;
}
.btn-secondary {
  border-color: var(--gold);
  color: var(--ink);
}

/* -- offer photography: quiet hover lift -- */
.offer-image-wrap img {
  transition: transform 0.45s ease;
}
.offer-card:hover .offer-image-wrap img {
  transform: scale(1.045);
}

/* =====================================================================
   HOMEPAGE EXPANSION — trust strip + reusable mid-page sections
   Built from components that already exist elsewhere on the site
   (bank-seal, process-card, offer-card) so the homepage reads as part
   of the same system rather than a one-off landing page.
   ===================================================================== */
.home-trust-strip {
  padding: 28px 32px 32px;
  border-bottom: 1px solid var(--paper-line);
}
.trust-eyebrow {
  text-align: center;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  color: var(--text-faint);
  margin-bottom: 22px;
}
.trust-track {
  display: flex;
  justify-content: center;
  align-items: flex-start;
  gap: 40px;
  flex-wrap: wrap;
  max-width: 980px;
  margin: 0 auto;
}
.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 9px;
}
.trust-item .bank-seal {
  width: 44px;
  height: 44px;
  font-size: 11px;
}
.trust-name {
  font-size: 11px;
  font-weight: 600;
  color: var(--text-soft);
  text-align: center;
  max-width: 96px;
  line-height: 1.3;
}

.home-section {
  padding: 76px 32px;
  background: #ffffff;
}
.home-section.alt {
  background: var(--paper);
  border-top: 1px solid var(--paper-line);
  border-bottom: 1px solid var(--paper-line);
}
.home-shell {
  max-width: 1100px;
  margin: 0 auto;
}
.home-shell .section-row {
  margin-bottom: 30px;
}

.section-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--gold-deep);
  text-decoration: none;
  white-space: nowrap;
}
.section-link i { font-size: 12px; transition: transform 0.15s ease; }
.section-link:hover { color: var(--ink); }
.section-link:hover i { transform: translateX(3px); }

.offer-btn {
  display: block;
  text-align: center;
  text-decoration: none;
}

@media (max-width: 760px) {
  .home-shell .section-row { flex-direction: column; align-items: flex-start; gap: 12px; }
}
@media (max-width: 640px) {
  .home-section { padding: 52px 22px; }
  .trust-track { gap: 26px 22px; }
}

/* =====================================================================
   ADMIN MODERATION — offer review queue + management dossier
   Reuses the existing ledger/registry visual language (seals, gold
   corner marks, mono numerals) so the admin surfaces read as part of
   the same system, not a bolted-on dashboard.
   ===================================================================== */

/* -- danger action (delete / end) -- */
.btn-danger {
  background: transparent;
  color: var(--danger);
  border-color: rgba(178,52,52,0.35);
}
.btn-danger:hover {
  background: rgba(178,52,52,0.07);
  border-color: var(--danger);
  transform: translateY(-1px);
}
.btn-warning {
  background: transparent;
  color: var(--gold-deep);
  border-color: rgba(201,160,82,0.5);
}
.btn-warning:hover {
  background: rgba(201,160,82,0.1);
  border-color: var(--gold-deep);
  transform: translateY(-1px);
}

/* -- left-aligned admin page intro (vs. centered public intro-block) -- */
.admin-intro { margin-bottom: 30px; }
.admin-intro h1 {
  font-family: var(--font-display);
  font-size: clamp(24px, 2.6vw, 30px);
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 8px;
}
.admin-intro p {
  font-size: 13.5px;
  color: var(--text-soft);
  max-width: 540px;
  line-height: 1.6;
}

/* -- tabs -- */
.admin-tabs {
  display: flex;
  gap: 4px;
  border-bottom: 1px solid var(--paper-line);
  margin-bottom: 26px;
  overflow-x: auto;
  scrollbar-width: none;
}
.admin-tabs::-webkit-scrollbar { display: none; }
.admin-tab {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 13px 18px;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  color: var(--text-soft);
  white-space: nowrap;
  border-bottom: 2px solid transparent;
  transition: color 0.15s ease, border-color 0.15s ease;
}
.admin-tab:hover { color: var(--ink); }
.admin-tab.active { color: var(--ink); border-color: var(--gold); }
.admin-tab .tab-count {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 20px;
  height: 20px;
  padding: 0 5px;
  border-radius: 10px;
  background: var(--paper-line-soft);
  color: var(--text-soft);
  font-family: var(--font-mono);
  font-size: 11px;
  font-weight: 600;
}
.admin-tab.active .tab-count { background: var(--ink); color: var(--gold-pale); }

/* -- review queue list -- */
.review-panel {
  border-radius: 10px;
  border: 1px solid var(--paper-line);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  background: var(--card);
}
.review-list { display: flex; flex-direction: column; }
.review-list[hidden] { display: none; }
.review-row {
  display: grid;
  grid-template-columns: auto 1fr auto auto;
  align-items: center;
  gap: 22px;
  padding: 20px 26px;
  border-bottom: 1px solid var(--paper-line-soft);
  transition: background 0.15s ease;
}
.review-row:last-child { border-bottom: none; }
.review-row:hover { background: #fbf7ea; }

.review-row-info { min-width: 0; }
.review-row-title {
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 3px;
}
.review-row-meta {
  font-size: 12.5px;
  color: var(--text-soft);
  display: flex;
  align-items: center;
  gap: 7px;
  flex-wrap: wrap;
}
.review-row-meta .ref { font-family: var(--font-mono); color: var(--text-faint); }
.review-row-meta .dot-sep { color: var(--text-faint); }

.review-row-stats {
  display: flex;
  gap: 26px;
  flex-shrink: 0;
}
.review-row-stats .stat-block { text-align: center; min-width: 56px; }
.review-row-stats .stat-value { font-size: 16px; }
.review-row-stats .stat-label { font-size: 10px; }

.review-row-side {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 8px;
  flex-shrink: 0;
}
.review-row-time {
  font-size: 11.5px;
  color: var(--text-faint);
  text-align: right;
}
.review-row-time strong { color: var(--text-soft); font-family: var(--font-mono); font-weight: 600; }
.review-row-actions { flex-shrink: 0; }
.review-row-actions .btn {
  padding: 9px 16px;
  font-size: 11px;
}

/* -- status pills -- */
.status-pill {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 5px 11px 5px 9px;
  border-radius: 20px;
  white-space: nowrap;
}
.status-pill::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  flex-shrink: 0;
}
.status-pill.unverified { background: rgba(154,145,111,0.14); color: #6b6453; }
.status-pill.unverified::before { background: #9a916f; }
.status-pill.pending { background: rgba(201,160,82,0.16); color: var(--gold-deep); }
.status-pill.pending::before { background: var(--gold); }
.status-pill.live { background: rgba(46,125,77,0.12); color: var(--success); }
.status-pill.live::before { background: var(--success); }
.status-pill.archived { background: rgba(13,34,64,0.07); color: var(--ink-soft); }
.status-pill.archived::before { background: var(--ink-soft); }

/* -- empty tab state -- */
.review-empty {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 10px;
  padding: 56px 32px;
  color: var(--text-soft);
}
.review-empty i { font-size: 26px; color: var(--text-faint); }
.review-empty strong { color: var(--ink); font-size: 14.5px; }
.review-empty span { font-size: 13px; max-width: 360px; }

/* -- management status banner (on the dossier/detail page) -- */
.mgmt-banner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
  padding: 16px 32px;
  border-bottom: 1px solid var(--paper-line);
  background: var(--paper);
}
.mgmt-banner-left { display: flex; align-items: center; gap: 14px; }
.mgmt-banner-icon {
  width: 38px; height: 38px; border-radius: 50%; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center; font-size: 16px;
}
.mgmt-banner-text strong { display: block; font-size: 13.5px; color: var(--ink); }
.mgmt-banner-text span { display: block; font-size: 12px; color: var(--text-soft); margin-top: 1px; }
.mgmt-banner-countdown {
  font-family: var(--font-mono);
  font-size: 13px;
  font-weight: 600;
  color: var(--gold-deep);
  white-space: nowrap;
}
.mgmt-banner.unverified .mgmt-banner-icon { background: rgba(154,145,111,0.14); color: #6b6453; }
.mgmt-banner.pending .mgmt-banner-icon { background: rgba(201,160,82,0.16); color: var(--gold-deep); }
.mgmt-banner.live .mgmt-banner-icon { background: rgba(46,125,77,0.12); color: var(--success); }
.mgmt-banner.archived .mgmt-banner-icon { background: rgba(13,34,64,0.07); color: var(--ink-soft); }

/* -- management action panel (bottom of dossier, replaces investor CTA) -- */
.mgmt-action-section { background: var(--ink-3); background-image: var(--texture-engrave); padding: 56px 32px; }
.mgmt-action-panel {
  max-width: 760px; margin: 0 auto; text-align: center; color: #fff;
}
.mgmt-action-panel .status-pill { margin-bottom: 16px; }
.mgmt-action-panel h3 {
  font-family: var(--font-display); font-size: 24px; font-weight: 600; margin-bottom: 10px;
}
.mgmt-action-panel p {
  color: rgba(244,234,210,0.7); max-width: 520px; margin: 0 auto 26px; font-size: 13.5px; line-height: 1.7;
}
.mgmt-action-panel .cta-row { margin: 0; opacity: 1; animation: none; }
.mgmt-action-panel .btn-secondary { color: #f4ead2; border-color: rgba(244,234,210,0.4); }
.mgmt-action-panel .btn-secondary:hover { background: rgba(244,234,210,0.08); border-color: var(--gold); }
.mgmt-action-panel .btn-danger { color: #e8a3a3; border-color: rgba(232,163,163,0.45); }
.mgmt-action-panel .btn-danger:hover { background: rgba(232,163,163,0.1); border-color: #e8a3a3; }
.mgmt-action-panel .btn-warning { color: var(--gold-faint); border-color: rgba(241,228,191,0.45); }
.mgmt-action-panel .btn-warning:hover { background: rgba(241,228,191,0.1); border-color: var(--gold-faint); }

/* -- confirm modal (shares verify-modal visual language) -- */
.verify-icon.danger { background: var(--danger); color: #fff; }
.verify-icon.warning { background: var(--gold-deep); color: #fff; }
.verify-icon.success { background: var(--success); color: #fff; }

@media (max-width: 760px) {
  .review-row { grid-template-columns: 1fr; gap: 14px; }
  .review-row-stats { justify-content: flex-start; }
  .review-row-side { align-items: flex-start; flex-direction: row; justify-content: space-between; width: 100%; }
  .mgmt-banner { padding: 14px 20px; }
}


/* =====================================================================
   ✦ PREMIUM UPGRADE LAYER — "the engraved bond, brought to life"
   Appended after the base system so every rule here wins by order.
   No markup changes: all 14 upgrades are pure CSS and apply site-wide
   (offers, partners, contact, about, create-offer, home).

   01  Guilloché watermark behind the hero (bond-certificate engraving)
   02  Animated struck-gold foil on the hero's key phrase
   03  Layered, light-aware elevation + spring hover for every card
   04  Registration corner-marks that "focus" the frame on hover
   05  Embossed wax-seal treatment on every circular seal
   06  Guarantee split-bar that draws itself in on scroll
   07  Gold trust-stamp + cinematic scrim on offer photography
   08  Sticky header that gains depth as you scroll (CSS scroll timeline)
   09  Ledger-tape scroll-progress strip across the top
   10  Scroll-reveal rise for cards, rows and tiles (CSS view timeline)
   11  Light-sweep sheen across every primary action button
   12  Fluid, balanced, optically-tuned typography
   13  Focus-glow + lift on form fields; custom select caret
   14  Animated underlines + accents on links, nav, bank rows, quick-links
   ===================================================================== */

/* smooth in-page scrolling (reduced-motion is honored by the base reset) */
html { scroll-behavior: smooth; }
:root { --ring-gold: rgba(201,160,82,0.22); }

/* ---- 01 · GUILLOCHÉ HERO WATERMARK ------------------------------- */
.hero-banner { overflow: hidden; }
.hero-banner::before {
  content: "";
  position: absolute;
  inset: -10% -5%;
  z-index: 0;
  pointer-events: none;
  background:
    repeating-radial-gradient(circle at 50% 40%, rgba(201,160,82,0.07) 0 1px, transparent 1px 8px),
    repeating-radial-gradient(circle at 50% 40%, rgba(13,34,64,0.04) 0 1px, transparent 1px 15px),
    conic-gradient(from 0deg at 50% 40%, rgba(201,160,82,0.05), transparent 22%, rgba(201,160,82,0.05) 50%, transparent 72%, rgba(201,160,82,0.05));
  -webkit-mask-image: radial-gradient(circle at 50% 40%, #000 0%, rgba(0,0,0,0.6) 38%, transparent 64%);
          mask-image: radial-gradient(circle at 50% 40%, #000 0%, rgba(0,0,0,0.6) 38%, transparent 64%);
}
.hero-inner { position: relative; z-index: 1; }

/* ---- 02 · ANIMATED GOLD FOIL ------------------------------------- */
.hero-banner h1 em {
  background: linear-gradient(100deg,
    #9a7d34 0%, #c9a052 20%, #f1e4bf 42%, #c9a052 62%, #9a7d34 82%, #c9a052 100%);
  background-size: 220% auto;
  -webkit-background-clip: text;
          background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
  animation: bb-foil 7s linear infinite;
}
@keyframes bb-foil { to { background-position: 220% center; } }

.process-number {
  background: linear-gradient(180deg, #d8c08c, #9a7a36);
  -webkit-background-clip: text;
          background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* ---- 03 · ELEVATION SYSTEM + SPRING HOVER ------------------------ */
.offer-card, .process-card, .about-highlight-card, .transborder-card,
.side-panel, .form-card, .registry-panel, .contact-shell {
  transition:
    transform .38s cubic-bezier(.2,.7,.2,1),
    box-shadow .38s cubic-bezier(.2,.7,.2,1);
  will-change: transform;
}
.offer-card:hover, .process-card:hover, .about-highlight-card:hover {
  transform: translateY(-6px);
  box-shadow:
    0 1px 2px rgba(10,31,61,.05),
    0 18px 38px -12px rgba(10,31,61,.28),
    0 0 0 1px var(--ring-gold);
}

/* ---- 04 · CORNER MARKS THAT FOCUS THE FRAME --------------------- */
.form-card::before, .form-card::after,
.offer-card::before, .offer-card::after,
.side-panel::before, .side-panel::after,
.about-highlight-card::before, .about-highlight-card::after,
.process-card::before, .process-card::after,
.transborder-card::before, .transborder-card::after,
.registry-panel::before, .registry-panel::after,
.contact-shell::before, .contact-shell::after {
  transition: width .3s ease, height .3s ease, opacity .3s ease;
}
.offer-card:hover::before, .offer-card:hover::after,
.process-card:hover::before, .process-card:hover::after,
.about-highlight-card:hover::before, .about-highlight-card:hover::after {
  width: 20px; height: 20px; opacity: 1;
}

/* ---- 05 · EMBOSSED WAX-SEAL TREATMENT --------------------------- */
.aside-seal, .bank-seal, .fallback-seal, .seal-mark,
.offer-image-fallback .fallback-seal, .contact-info-icon {
  background-image: radial-gradient(circle at 32% 26%, rgba(241,228,191,0.30), transparent 58%);
  box-shadow:
    inset 0 1px 1px rgba(241,228,191,0.30),
    inset 0 -3px 5px rgba(0,0,0,0.32),
    0 3px 9px rgba(10,31,61,0.22);
}
.bank-seal { transition: transform .3s cubic-bezier(.2,.7,.2,1); }
.bank-row:hover .bank-seal { transform: scale(1.06) rotate(-2deg); }

/* ---- 06 · GUARANTEE SPLIT-BAR DRAW-IN --------------------------- */
.guarantee-split-bar {
  position: relative;
  box-shadow: inset 0 0 0 1px rgba(13,34,64,0.06);
}
.guarantee-split-bar::after {
  content: "";
  position: absolute;
  top: -2px; bottom: -2px;
  left: 50%;
  width: 1.5px;
  transform: translateX(-50%);
  background: var(--gold-faint, #f1e4bf);
  opacity: .85;
}
.split-bank {
  background-image: linear-gradient(90deg, var(--gold-deep, #9a7a36), var(--gold, #c9a052));
}

/* ---- 07 · OFFER PHOTOGRAPHY: STAMP + SCRIM ---------------------- */
.offer-image-wrap { position: relative; }
.offer-image-wrap::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(180deg,
    rgba(13,34,64,.22) 0%, transparent 28%,
    transparent 68%, rgba(13,34,64,.30) 100%);
  pointer-events: none;
  z-index: 1;
}
.offer-image-wrap::before {

  color: var(--ink, #0d2240);
  background: linear-gradient(180deg, #f3e7c2, #c9a052);
  padding: 4px 9px;
  border-radius: 2px;
  box-shadow: 0 2px 7px rgba(10,31,61,.32), inset 0 1px 0 rgba(255,255,255,.4);
}

/* ---- 08 · STICKY HEADER WITH SCROLL DEPTH ----------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 900;
}
@supports (animation-timeline: scroll()) {
  .site-header {
    animation: bb-header-depth linear both;
    animation-timeline: scroll(root);
    animation-range: 0 130px;
  }
  @keyframes bb-header-depth {
    to { box-shadow: 0 12px 30px rgba(8,24,48,.38); }
  }
}

/* ---- 09 · LEDGER-TAPE SCROLL PROGRESS --------------------------- */
@supports (animation-timeline: scroll()) {
  body::before {
    content: "";
    position: fixed;
    top: 0; left: 0;
    height: 3px; width: 100%;
    transform: scaleX(0);
    transform-origin: 0 50%;
    background: linear-gradient(90deg, var(--gold-deep, #9a7a36), var(--gold, #c9a052), var(--gold-faint, #f1e4bf));
    box-shadow: 0 0 8px rgba(201,160,82,.5);
    z-index: 1000;
    animation: bb-progress linear both;
    animation-timeline: scroll(root);
  }
  @keyframes bb-progress { to { transform: scaleX(1); } }
}

/* ---- 10 · SCROLL-REVEAL RISE (cards / rows / tiles) ------------- */
@supports (animation-timeline: view()) {
  .offer-card, .process-card, .bank-row, .qlink,
  .about-highlight-card, .transborder-row, .risk-item, .form-card {
    animation: bb-rise linear both;
    animation-timeline: view();
    animation-range: entry 0% entry 42%;
  }
  /* translate (not transform) so hover-lift stays independent */
  @keyframes bb-rise {
    from { opacity: 0; translate: 0 26px; }
    to   { opacity: 1; translate: 0 0; }
  }
  .guarantee-split-bar {
    transform: scaleX(0);
    transform-origin: left center;
    animation: bb-grow .9s cubic-bezier(.2,.7,.2,1) both;
    animation-timeline: view();
    animation-range: entry 6% cover 26%;
  }
  @keyframes bb-grow { to { transform: scaleX(1); } }
}

/* ---- 11 · LIGHT-SWEEP SHEEN ON ACTIONS -------------------------- */
.btn, .offer-btn, .contact-btn {
  position: relative;
  overflow: hidden;
  isolation: isolate;
}
.btn::after, .offer-btn::after, .contact-btn::after {
  content: "";
  position: absolute;
  top: 0; left: -140%;
  width: 55%; height: 100%;
  background: linear-gradient(100deg, transparent, rgba(255,255,255,.38), transparent);
  transform: skewX(-18deg);
  transition: left .65s cubic-bezier(.2,.7,.2,1);
  z-index: 1;
  pointer-events: none;
}
.btn:hover::after, .offer-btn:hover::after, .contact-btn:hover::after { left: 140%; }
.btn-secondary::after { background: linear-gradient(100deg, transparent, rgba(201,160,82,.28), transparent); }

/* ---- 12 · FLUID, BALANCED TYPOGRAPHY ---------------------------- */
.hero-banner h1 {
  font-size: clamp(30px, 4.6vw, 52px);
  line-height: 1.16;
  letter-spacing: -0.012em;
  text-wrap: balance;
}
.hero-banner p.lede { text-wrap: pretty; }
.intro-block h1, .about-copy h2, .about-section-title,
.risk-copy h2, .about-final-inner h2, .qlink h3, .offer-title {
  text-wrap: balance;
}
.stats-row .stat-value,
.finance-check-row strong,
.pager-num, .process-number, #projectRef,
.offer-stats .stat-value, .bank-signed {
  font-variant-numeric: tabular-nums;
  font-feature-settings: "tnum" 1;
}
.bank-signed { font-family: var(--font-mono); letter-spacing: .01em; }

/* ---- 13 · FORM FIELD GLOW + SELECT CARET ------------------------ */
.field-input-wrap, .field-textarea-wrap {
  transition: border-color .2s ease, box-shadow .2s ease, transform .2s ease;
}
.field-input-wrap:focus-within, .field-textarea-wrap:focus-within {
  box-shadow: 0 0 0 3px rgba(201,160,82,.18);
  transform: translateY(-1px);
}
.field-input-wrap select {
  -webkit-appearance: none;
     -moz-appearance: none;
          appearance: none;
  padding-right: 22px;
  background-image:
    linear-gradient(45deg, transparent 50%, var(--text-soft, #6b6453) 50%),
    linear-gradient(135deg, var(--text-soft, #6b6453) 50%, transparent 50%);
  background-position: right 8px center, right 3px center;
  background-size: 5px 5px, 5px 5px;
  background-repeat: no-repeat;
}
.search-bar { transition: border-color .2s ease, box-shadow .2s ease; }
.search-bar:focus-within {
  border-color: var(--gold-deep, #9a7a36);
  box-shadow: 0 0 0 3px rgba(201,160,82,.16);
}

/* ---- 14 · ANIMATED LINKS / NAV / ROWS / TILES ------------------- */
a.footer-link { position: relative; }
a.footer-link::after {
  content: "";
  position: absolute;
  left: 0; bottom: -2px;
  height: 1px; width: 0;
  background: var(--gold, #c9a052);
  transition: width .25s ease;
}
a.footer-link:hover::after { width: 100%; }

a.nav-sub { position: relative; }
a.nav-sub::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -5px;
  height: 2px;
  background: var(--gold, #c9a052);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .22s ease;
}
a.nav-sub:hover::after { transform: scaleX(1); }

.bank-row { position: relative; overflow: hidden; }
.bank-row::before {
  content: "";
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 0;
  background: linear-gradient(180deg, var(--gold, #c9a052), var(--gold-deep, #9a7a36));
  transition: width .2s ease;
}
.bank-row:hover::before { width: 3px; }

.qlink { transition: background .25s ease; }
.qlink:hover { background: #fff7e6; }
.qlink i { transition: transform .3s cubic-bezier(.2,.7,.2,1); }
.qlink:hover i { transform: translateY(-3px) scale(1.08); }

.section-link i { transition: transform .2s ease; }

/* hero CTA buttons: a touch more presence */
.btn-primary:hover {
  box-shadow: 0 10px 24px rgba(14,42,77,.30), inset 0 1px 0 rgba(255,255,255,.12);
}

/* ---- REDUCED-MOTION: keep every reveal calm and fully visible ---- */
@media (prefers-reduced-motion: reduce) {
  .hero-banner h1 em { animation: none; }
  @supports (animation-timeline: view()) {
    .offer-card, .process-card, .bank-row, .qlink,
    .about-highlight-card, .transborder-row, .risk-item, .form-card {
      animation: none; opacity: 1; translate: none;
    }
    .guarantee-split-bar { animation: none; transform: none; }
  }
  @supports (animation-timeline: scroll()) {
    body::before { animation: none; transform: scaleX(0); }
    .site-header { animation: none; }
  }
  .btn::after, .offer-btn::after, .contact-btn::after { display: none; }
}