/* ============================================================
   APEX CREDIT GROUP — styles.css
   Luxury Black & Gold Design System
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:ital,wght@0,400;0,500;0,600;0,700;1,400&family=Inter:wght@300;400;500;600&display=swap');

/* ── Custom Properties ────────────────────────────────────── */
:root {
  --bg:          #07070A;
  --surface:     #0C0D12;
  --surface-2:   #111318;
  --gold:        #D4AF37;
  --gold-hi:     #F3D27A;
  --gold-dim:    rgba(212,175,55,.55);
  --text:        #F5F5F5;
  --muted:       #B7B7B7;
  --border:      rgba(212,175,55,.18);
  --border-hi:   rgba(212,175,55,.38);
  --glow:        0 0 32px rgba(212,175,55,.07);
  --glow-hover:  0 4px 40px rgba(212,175,55,.14);
  --r-sm:        4px;
  --r-md:        8px;
  --r-lg:        12px;
  --ease:        200ms cubic-bezier(.4,0,.2,1);
  --font-h:      'Playfair Display', Georgia, serif;
  --font-b:      'Inter', system-ui, -apple-system, sans-serif;
  --nav-h:       96px;
  --wrap:        1160px;
}

/* ── Reset ────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-b);
  font-size: 1rem;
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  min-height: 100vh;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; color: inherit; }
ul, ol { list-style: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    transition-duration: .01ms !important;
  }
}

/* ── Focus States ─────────────────────────────────────────── */
:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 2px;
}

/* ── Scrollbar ────────────────────────────────────────────── */
::-webkit-scrollbar { width: 5px; }
::-webkit-scrollbar-track { background: var(--bg); }
::-webkit-scrollbar-thumb { background: rgba(212,175,55,.25); border-radius: 3px; }

/* ── Typography ───────────────────────────────────────────── */
h1, h2, h3, h4, h5 {
  font-family: var(--font-h);
  font-weight: 600;
  line-height: 1.2;
  letter-spacing: -.01em;
  color: var(--text);
}

h1 { font-size: clamp(2.4rem, 5vw, 4rem); }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.75rem); }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.6875rem); }
h4 { font-size: 1.0625rem; font-family: var(--font-b); }

em { font-style: italic; color: var(--gold); }

.label {
  font-size: .6875rem;
  font-weight: 600;
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--gold);
}

p { color: var(--muted); max-width: 65ch; }
p + p { margin-top: 18px; }

/* ── Layout ───────────────────────────────────────────────── */
.wrap {
  width: 100%;
  max-width: var(--wrap);
  margin-inline: auto;
  padding-inline: clamp(20px, 5vw, 48px);
}

section { padding-block: clamp(72px, 10vw, 120px); }

.section-header { margin-bottom: clamp(48px, 7vw, 72px); }
.section-header p { margin-top: 16px; }

.gold-line {
  display: block;
  width: 44px;
  height: 2px;
  background: var(--gold);
  margin-block: 20px;
}

.gold-line--centered { margin-inline: auto; }

/* ── Header / Nav ─────────────────────────────────────────── */
#site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(7,7,10,.92);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  border-bottom: 1px solid var(--border);
  height: var(--nav-h);
}

.nav-inner {
  display: flex;
  align-items: center;
  height: 100%;
  gap: 32px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
  margin-right: auto;
  text-decoration: none;
}

.nav-logo img {
  height: 72px;
  width: auto;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2px;
}

.nav-links a {
  position: relative;
  padding: 8px 14px;
  font-size: .875rem;
  font-weight: 500;
  color: var(--muted);
  border-radius: var(--r-sm);
  transition: color var(--ease);
  white-space: nowrap;
  min-height: 44px;
  display: inline-flex;
  align-items: center;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 5px;
  left: 14px;
  right: 14px;
  height: 1.5px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--ease);
}

.nav-links a:hover { color: var(--text); }

.nav-links a.active {
  color: var(--gold-hi);
}

.nav-links a.active::after {
  transform: scaleX(1);
  box-shadow: 0 0 6px rgba(212,175,55,.5);
}

/* WhatsApp button */
.nav-wa {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid var(--border);
  color: var(--muted);
  flex-shrink: 0;
  transition: border-color var(--ease), color var(--ease), box-shadow var(--ease);
}

.nav-wa:hover {
  border-color: rgba(37,211,102,.6);
  color: #25D366;
  box-shadow: 0 0 18px rgba(37,211,102,.2);
}

.nav-wa svg { width: 20px; height: 20px; }

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  padding: 10px;
  border-radius: var(--r-sm);
  transition: background var(--ease);
}

.nav-toggle:hover { background: rgba(255,255,255,.05); }

.nav-toggle span {
  display: block;
  width: 100%;
  height: 1.5px;
  background: var(--muted);
  transition: transform var(--ease), opacity var(--ease);
  transform-origin: center;
}

.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

/* Mobile nav */
.nav-mobile {
  display: none;
  position: fixed;
  top: var(--nav-h);
  left: 0;
  right: 0;
  background: var(--surface);
  border-bottom: 1px solid var(--border);
  padding: 12px 0 24px;
  z-index: 99;
}

.nav-mobile.open { display: block; }

.nav-mobile a {
  display: flex;
  align-items: center;
  padding: 14px clamp(20px, 5vw, 48px);
  font-size: .9375rem;
  font-weight: 500;
  color: var(--muted);
  border-left: 2px solid transparent;
  transition: color var(--ease), border-color var(--ease), background var(--ease);
  min-height: 52px;
}

.nav-mobile a:hover,
.nav-mobile a.active {
  color: var(--gold-hi);
  border-left-color: var(--gold);
  background: rgba(212,175,55,.04);
}

.nav-mobile .mobile-wa {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 16px clamp(20px, 5vw, 48px) 0;
  padding: 14px 20px;
  background: rgba(37,211,102,.06);
  border: 1px solid rgba(37,211,102,.2);
  border-radius: var(--r-md);
  color: #25D366;
  font-size: .875rem;
  font-weight: 500;
  min-height: 52px;
  border-left: none;
}

.nav-mobile .mobile-wa:hover { background: rgba(37,211,102,.1); border-left: none; }

/* ── Buttons ──────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 0 28px;
  height: 52px;
  border-radius: var(--r-sm);
  font-family: var(--font-b);
  font-size: .9375rem;
  font-weight: 600;
  letter-spacing: .02em;
  cursor: pointer;
  border: none;
  transition: box-shadow var(--ease), background var(--ease), color var(--ease), border-color var(--ease);
  white-space: nowrap;
  min-width: 160px;
  text-align: center;
  text-decoration: none;
}

.btn-primary {
  background: var(--gold);
  color: #07070A;
}

.btn-primary:hover {
  background: var(--gold-hi);
  box-shadow: 0 0 28px rgba(212,175,55,.3);
}

.btn-outline {
  background: transparent;
  border: 1.5px solid var(--border-hi);
  color: var(--gold-hi);
}

.btn-outline:hover {
  border-color: var(--gold);
  background: rgba(212,175,55,.06);
  box-shadow: 0 0 20px rgba(212,175,55,.1);
}

.btn-wa {
  background: transparent;
  border: 1.5px solid rgba(37,211,102,.3);
  color: #25D366;
}

.btn-wa:hover {
  background: rgba(37,211,102,.07);
  border-color: rgba(37,211,102,.55);
  box-shadow: 0 0 20px rgba(37,211,102,.15);
}

.btn-sm {
  height: 44px;
  padding: 0 20px;
  font-size: .875rem;
  min-width: 0;
}

/* ── Hero ─────────────────────────────────────────────────── */
.hero {
  padding-top: calc(var(--nav-h) + clamp(64px, 10vw, 112px));
  padding-bottom: clamp(80px, 11vw, 140px);
  position: relative;
  overflow: hidden;
  background-image: url('../assets/hero-banner.webp');
  background-size: cover;
  background-position: center 40%;
  background-repeat: no-repeat;
}

/* Dark overlay — keeps text readable, blends into site bg at bottom */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(to bottom,
      rgba(7,7,10,.72) 0%,
      rgba(7,7,10,.52) 45%,
      rgba(7,7,10,.80) 100%
    );
  pointer-events: none;
  z-index: 0;
}

/* Page-specific hero backgrounds */
.hero--business {
  background-image: url('../assets/hero-business.webp');
  background-size: 100% auto;
  background-position: center 30%;
}

.hero--buyer {
  background-image: url('../assets/hero-buyer.webp');
  background-size: 100% auto;
  background-position: center 35%;
}

.hero--partner {
  background-image: url('../assets/APEX_Partner_Closed_Loop_1920x900.webp');
  background-size: 100% auto;
  background-position: center 40%;
}

/* Gold accent glow — right side */
.hero::after {
  content: '';
  position: absolute;
  top: 20%;
  right: -100px;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(212,175,55,.06) 0%, transparent 65%);
  pointer-events: none;
  z-index: 0;
}

.hero .wrap { position: relative; z-index: 1; }
.hero .label { margin-bottom: 20px; }
.hero h1 { margin-bottom: 24px; }

.hero-sub {
  font-size: clamp(1.0625rem, 2vw, 1.25rem);
  color: var(--muted);
  margin-bottom: 40px;
  max-width: 50ch;
  line-height: 1.65;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  align-items: center;
}

/* ── Core Message ─────────────────────────────────────────── */
.core-message {
  background: var(--surface);
  border-block: 1px solid var(--border);
}

.core-message-inner {
  max-width: 740px;
  margin-inline: auto;
  text-align: center;
}

.core-message-inner p {
  font-size: clamp(1rem, 1.75vw, 1.125rem);
  line-height: 1.85;
  max-width: none;
  margin-inline: auto;
}

.pill-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin-top: 32px;
}

.pill {
  padding: 8px 18px;
  border: 1px solid var(--border);
  border-radius: 100px;
  font-size: .8125rem;
  font-weight: 500;
  color: var(--gold-hi);
  background: rgba(212,175,55,.04);
  letter-spacing: .04em;
}

/* ── Offer Cards ──────────────────────────────────────────── */
.offers-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 460px), 1fr));
  gap: 24px;
  margin-top: 56px;
}

.offer-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: clamp(32px, 5vw, 48px);
  display: flex;
  flex-direction: column;
  gap: 18px;
  transition: border-color var(--ease), box-shadow var(--ease);
}

.offer-card:hover {
  border-color: var(--border-hi);
  box-shadow: var(--glow-hover);
}

.offer-icon {
  width: 52px;
  height: 52px;
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  flex-shrink: 0;
}

.offer-card h3 { margin-bottom: 2px; }
.offer-card p { font-size: .9375rem; flex: 1; }

.offer-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: .875rem;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: .02em;
  transition: color var(--ease), gap var(--ease);
  margin-top: 4px;
}

.offer-link:hover { color: var(--gold-hi); gap: 10px; }

/* ── Partner Teaser ───────────────────────────────────────── */
.partner-teaser {
  background: var(--surface);
  border-block: 1px solid var(--border);
}

.partner-teaser-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}

.partner-teaser-inner .text-side { max-width: 600px; }
.partner-teaser-inner h2 { font-size: clamp(1.375rem, 2.5vw, 2rem); }
.partner-teaser-inner p { max-width: 52ch; margin-top: 12px; }

/* ── Pain Section ─────────────────────────────────────────── */
.pain-section {
  background: var(--surface);
  border-block: 1px solid var(--border);
}

.pain-inner p {
  font-size: clamp(1.0625rem, 1.75vw, 1.1875rem);
  line-height: 1.85;
  max-width: 60ch;
}

/* ── Steps ────────────────────────────────────────────────── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: clamp(28px, 4vw, 48px);
}

.step { display: flex; flex-direction: column; gap: 16px; }

.step-num {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  border: 1.5px solid var(--border-hi);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-h);
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--gold);
  flex-shrink: 0;
}

.step h4 { color: var(--text); margin-bottom: 6px; font-size: 1rem; font-weight: 600; }
.step p { font-size: .9375rem; max-width: none; }

/* ── Two Column ───────────────────────────────────────────── */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(48px, 7vw, 96px);
  align-items: start;
}

/* ── Benefits / Help List ─────────────────────────────────── */
.help-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 24px;
}

.help-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: .9375rem;
  color: var(--muted);
  line-height: 1.6;
}

.help-item-dot {
  flex-shrink: 0;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  margin-top: 8px;
}

/* ── Outcomes ─────────────────────────────────────────────── */
.outcome-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(210px, 1fr));
  gap: 14px;
  margin-top: 36px;
}

.outcome-item {
  padding: 20px 22px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  font-size: .9375rem;
  color: var(--text);
  font-weight: 500;
  display: flex;
  align-items: center;
  gap: 12px;
  transition: border-color var(--ease);
}

.outcome-item:hover { border-color: var(--border-hi); }

.outcome-item::before {
  content: '';
  display: block;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: var(--gold);
  flex-shrink: 0;
}

/* ── Accordion ────────────────────────────────────────────── */
.accordion {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.accordion-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  overflow: hidden;
  transition: border-color var(--ease);
}

.accordion-item.is-open { border-color: var(--border-hi); }

.accordion-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  font-size: 1rem;
  font-weight: 500;
  color: var(--text);
  text-align: left;
  min-height: 64px;
  gap: 16px;
  transition: background var(--ease);
}

.accordion-trigger:hover { background: rgba(212,175,55,.03); }

.accordion-icon {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  color: var(--gold);
  transition: transform var(--ease);
}

.accordion-trigger[aria-expanded="true"] .accordion-icon { transform: rotate(45deg); }

.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s cubic-bezier(.4,0,.2,1);
}

.accordion-body-inner {
  padding: 0 24px 22px;
  font-size: .9375rem;
  color: var(--muted);
  line-height: 1.7;
}

/* ── Contact Section ──────────────────────────────────────── */
.contact-section {
  background: var(--surface);
  border-top: 1px solid var(--border);
  min-height: 100dvh;
  display: flex;
  align-items: center;
  padding-block: clamp(40px, 5vw, 64px);
}

.contact-section .wrap { width: 100%; }

.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1.45fr;
  gap: clamp(36px, 5vw, 72px);
  align-items: center;
}

.contact-info h2 { margin-bottom: 16px; }
.contact-info p { max-width: 38ch; }

.contact-detail {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 20px;
}

.contact-detail-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: .9375rem;
  color: var(--muted);
  min-height: 44px;
}

.contact-detail-item svg {
  width: 18px;
  height: 18px;
  color: var(--gold);
  flex-shrink: 0;
}

.contact-detail-item a { transition: color var(--ease); }
.contact-detail-item a:hover { color: var(--gold-hi); }

.form-container {
  border: 1px solid var(--border);
  border-top: 2px solid var(--gold);
  border-radius: var(--r-lg);
  overflow: hidden;
  padding: 0;
  background: var(--surface);
  box-shadow: 0 0 48px rgba(212,175,55,.06);
}

.form-header {
  padding: 28px 32px 22px;
  border-bottom: 1px solid var(--border);
  background: linear-gradient(135deg, var(--surface-2) 0%, var(--surface) 100%);
}

.form-header .label { display: block; margin-bottom: 14px; }

.form-header .gold-line { margin-block: 0 16px; width: 36px; }

.form-header p {
  font-size: .875rem;
  color: var(--muted);
  max-width: none;
  margin-bottom: 16px;
  line-height: 1.6;
}

.form-trust-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: .75rem;
  color: #666;
  font-weight: 500;
  letter-spacing: .01em;
}

.form-trust-badge svg {
  width: 13px;
  height: 13px;
  color: var(--gold);
  flex-shrink: 0;
}

#embed-crc-form { min-height: 300px; }

/* CRC iframe dark-mode filter — inverts the external form to match our dark/gold design */
/* invert(1): white→black background, dark text→light; blue button→orange/gold */
/* hue-rotate(10deg): nudges button hue toward brand gold (#D4AF37 ≈ 43°) */
.webform-frame {
  filter: invert(1) hue-rotate(10deg) brightness(0.90) saturate(1.2);
}

.form-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-height: 300px;
  text-align: center;
  gap: 12px;
  color: rgba(212,175,55,.3);
}

.form-placeholder-icon { margin-bottom: 4px; }
.form-placeholder h4 { color: var(--muted); font-family: var(--font-b); font-size: .9375rem; }
.form-placeholder p { font-size: .8125rem; color: #666; max-width: none; }

/* ── Alternate Section ───────────────────────────────────── */
.section-alt {
  background: var(--surface);
  border-block: 1px solid var(--border);
}

/* ── Mid CTA ─────────────────────────────────────────────── */
.mid-cta-section {
  padding-block: clamp(36px, 5vw, 52px);
  background: linear-gradient(135deg, var(--surface-2) 0%, var(--surface) 100%);
  border-block: 1px solid var(--border);
}

.mid-cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}

.mid-cta-text {
  font-family: var(--font-h);
  font-size: clamp(1.25rem, 2.5vw, 1.75rem);
  font-weight: 600;
  color: var(--text);
  max-width: none;
  margin: 0;
}

@media (max-width: 767px) {
  .mid-cta-section { display: none; }
}

/* ── Form Next Steps ─────────────────────────────────────── */
.form-next-steps {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  padding: 14px 20px;
  font-size: .8125rem;
  color: var(--muted);
  line-height: 1.6;
  border-bottom: 1px solid var(--border);
}

.form-next-steps svg {
  flex-shrink: 0;
  margin-top: 3px;
  color: var(--gold);
}

/* ── Disclaimer ───────────────────────────────────────────── */
.disclaimer {
  padding: 14px 18px;
  background: rgba(212,175,55,.025);
  border: 1px solid var(--border);
  border-radius: var(--r-md);
  font-size: .8125rem;
  line-height: 1.6;
  margin-top: 20px;
}

.disclaimer p {
  max-width: none;
  color: #777;
  font-size: .8125rem;
}

/* ── Stats Row ────────────────────────────────────────────── */
.stats-row {
  display: flex;
  flex-wrap: wrap;
  gap: clamp(32px, 5vw, 72px);
  padding-block: clamp(48px, 6vw, 72px);
  border-block: 1px solid var(--border);
}

.stat-item { display: flex; flex-direction: column; gap: 4px; }

.stat-value {
  font-family: var(--font-h);
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 600;
  color: var(--gold);
  line-height: 1.1;
}

.stat-label { font-size: .875rem; color: var(--muted); }

/* ── Footer ───────────────────────────────────────────────── */
footer {
  background: var(--surface);
  border-top: 1px solid var(--border);
  padding-block: clamp(56px, 8vw, 88px);
}

.footer-inner {
  display: grid;
  grid-template-columns: 1.6fr repeat(3, 1fr);
  gap: clamp(32px, 5vw, 56px);
}

.footer-brand img {
  height: 80px;
  width: auto;
  display: block;
  margin-bottom: 8px;
}

.footer-brand p {
  font-size: .875rem;
  margin-top: 14px;
  max-width: 30ch;
  color: #777;
}

.footer-wa-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 20px;
  padding: 10px 16px;
  border: 1px solid rgba(37,211,102,.25);
  border-radius: var(--r-sm);
  font-size: .8125rem;
  font-weight: 500;
  color: #25D366;
  transition: background var(--ease), border-color var(--ease);
  min-height: 44px;
}

.footer-wa-btn:hover { background: rgba(37,211,102,.07); border-color: rgba(37,211,102,.5); }

.footer-col h5 {
  font-family: var(--font-b);
  font-size: .6875rem;
  font-weight: 600;
  letter-spacing: .11em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 18px;
}

.footer-col ul { display: flex; flex-direction: column; gap: 10px; }

.footer-col a {
  font-size: .875rem;
  color: #777;
  transition: color var(--ease);
}

.footer-col a:hover { color: var(--gold-hi); }

.footer-bottom {
  margin-top: 52px;
  padding-top: 32px;
  border-top: 1px solid var(--border);
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  justify-content: space-between;
  align-items: flex-start;
}

.footer-copy {
  font-size: .8125rem;
  color: #555;
  flex-shrink: 0;
}

.footer-disclaimer {
  font-size: .75rem;
  color: #4a4a4a;
  line-height: 1.65;
  max-width: 72ch;
}

/* ── Sticky Mobile CTA ────────────────────────────────────── */
#sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: rgba(12,13,18,.97);
  backdrop-filter: blur(14px);
  border-top: 1px solid var(--border);
  padding: 12px clamp(16px, 5vw, 32px);
  z-index: 97;
  gap: 10px;
}

/* ── Legal Pages ──────────────────────────────────────────── */
.legal-page {
  padding-top: calc(var(--nav-h) + 64px);
  padding-bottom: 96px;
}

.legal-page h1 { margin-bottom: 8px; }
.legal-updated { font-size: .875rem; color: var(--muted); margin-bottom: 56px; }

.legal-content { max-width: 720px; }

.legal-content h2 {
  font-size: 1.375rem;
  margin-top: 52px;
  margin-bottom: 16px;
  color: var(--text);
}

.legal-content h3 {
  font-size: 1.0625rem;
  margin-top: 32px;
  margin-bottom: 12px;
  font-family: var(--font-b);
  font-weight: 600;
}

.legal-content p { max-width: none; margin-bottom: 16px; }

.legal-content ul {
  list-style: disc;
  padding-left: 24px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-bottom: 20px;
}

.legal-content li { font-size: .9375rem; color: var(--muted); }

/* ── Utility ──────────────────────────────────────────────── */
.visually-hidden {
  position: absolute;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

.text-center { text-align: center; }
.mt-4  { margin-top: 16px; }
.mt-6  { margin-top: 24px; }
.mt-8  { margin-top: 32px; }
.mt-10 { margin-top: 40px; }
.mt-12 { margin-top: 48px; }

/* ── Responsive ───────────────────────────────────────────── */
@media (max-width: 960px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
}

@media (max-width: 860px) {
  .contact-inner { grid-template-columns: 1fr; }
  .two-col { grid-template-columns: 1fr; }
  .contact-section { min-height: unset; }
}

@media (max-width: 767px) {
  :root { --nav-h: 76px; }
  .nav-logo img { height: 52px; }
  body { padding-bottom: 76px; }
  #sticky-cta { display: flex; }
  #sticky-cta .btn { flex: 1; height: 48px; font-size: .875rem; min-width: 0; padding: 0 14px; }
  .partner-teaser-inner { flex-direction: column; }
}

@media (max-width: 900px) {
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 540px) {
  .footer-inner { grid-template-columns: 1fr; }
  .stats-row { gap: 28px; }
}