/* ============================================================
   Nova Scotia Construction Loan — Navy & Gold theme
   Modeled on modern contractor / fintech landing pages:
   navy gradient hero with diagonal cut, gold pill CTAs,
   floating white lead-form card, soft light-blue sections.

   Palette
   --navy-900 #0B1E3F   darkest navy (topbar, footer)
   --navy-700 #14346B   hero gradient start
   --blue-500 #2B6BD9   hero gradient end / links
   --gold     #F2B33D   CTAs & accents
   --sky      #F3F7FC   light section background
   ============================================================ */

:root {
  --navy-900: #0B1E3F;
  --navy-700: #14346B;
  --navy-600: #1B448C;
  --blue-500: #2B6BD9;
  --blue-100: #DCE8F8;
  --gold: #F2B33D;
  --gold-dark: #DE9F26;
  --sky: #F3F7FC;
  --white: #FFFFFF;
  --text: #26354C;
  --text-dim: #5B6B84;
  --text-on-navy: #FFFFFF;
  --text-dim-navy: #C4D3EC;
  --danger: #C94F3D;
  --radius: 16px;
  --pill: 999px;
  --shadow: 0 18px 45px rgba(11, 30, 63, 0.16);
  --shadow-soft: 0 8px 24px rgba(11, 30, 63, 0.08);
  --maxw: 1140px;
  --heading: "Plus Jakarta Sans", "Segoe UI", sans-serif;
  --body: "Nunito Sans", "Segoe UI", sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

body {
  font-family: var(--body);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  font-size: 16.5px;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--blue-500); }

.container { max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

/* ---------- Type ---------- */
h1, h2, h3, h4 {
  font-family: var(--heading);
  font-weight: 800;
  line-height: 1.15;
  color: var(--navy-900);
}
h1 { font-size: clamp(2.2rem, 4.6vw, 3.4rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.5rem); letter-spacing: -0.015em; }
h3 { font-size: 1.25rem; }

.on-navy h1, .on-navy h2, .on-navy h3 { color: var(--white); }

.eyebrow {
  font-family: var(--heading);
  font-weight: 700;
  font-size: 0.78rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 14px;
}
.eyebrow.blue { color: var(--blue-500); }

.lede { font-size: 1.1rem; color: var(--text-dim); max-width: 58ch; }
.on-navy .lede { color: var(--text-dim-navy); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--heading);
  font-weight: 700;
  font-size: 1rem;
  padding: 15px 32px;
  border-radius: var(--pill);
  border: 2px solid transparent;
  text-decoration: none;
  cursor: pointer;
  transition: transform 0.15s ease, background 0.15s ease, border-color 0.15s ease, box-shadow 0.15s ease;
}
.btn:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }
.btn-gold {
  background: var(--gold);
  color: var(--navy-900);
  box-shadow: 0 8px 20px rgba(242, 179, 61, 0.35);
}
.btn-gold:hover { background: var(--gold-dark); transform: translateY(-2px); }
.btn-outline-light { border-color: rgba(255, 255, 255, 0.45); color: var(--white); }
.btn-outline-light:hover { border-color: var(--gold); color: var(--gold); }
.btn-outline-navy { border-color: var(--blue-100); color: var(--navy-700); background: var(--white); }
.btn-outline-navy:hover { border-color: var(--blue-500); }

/* ---------- Topbar ---------- */
.topbar {
  background: var(--navy-900);
  color: var(--white);
  font-family: var(--heading);
  font-weight: 700;
  font-size: 0.82rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  text-align: center;
  padding: 9px 16px;
}
.topbar a { color: var(--gold); text-decoration: none; }
.topbar a:hover { text-decoration: underline; }

/* ---------- Header ---------- */
header.site {
  background: var(--white);
  box-shadow: 0 2px 12px rgba(11, 30, 63, 0.07);
  position: sticky;
  top: 0;
  z-index: 50;
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 14px 24px;
  max-width: var(--maxw);
  margin: 0 auto;
}
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { width: 232px; height: auto; }
@media (max-width: 480px) { .brand img { width: 188px; } }
.brand-mark {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--navy-700), var(--blue-500));
  border-radius: 10px;
  display: grid;
  place-items: center;
  font-family: var(--heading);
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--gold);
  flex-shrink: 0;
}
.brand-name {
  font-family: var(--heading);
  font-weight: 800;
  font-size: 1.02rem;
  line-height: 1.15;
  color: var(--navy-900);
}
.brand-name small {
  display: block;
  font-family: var(--body);
  font-weight: 600;
  font-size: 0.7rem;
  letter-spacing: 0.04em;
  color: var(--text-dim);
}
.nav-links { display: flex; align-items: center; gap: 26px; list-style: none; }
.nav-links a {
  color: var(--text);
  text-decoration: none;
  font-family: var(--heading);
  font-weight: 600;
  font-size: 0.93rem;
}
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--blue-500); }
.nav .btn { padding: 11px 24px; font-size: 0.92rem; }
@media (max-width: 800px) { .nav-links { display: none; } }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  color: var(--white);
  background:
    radial-gradient(ellipse at 80% -10%, rgba(43, 107, 217, 0.55), transparent 55%),
    linear-gradient(128deg, var(--navy-900) 0%, var(--navy-700) 45%, var(--blue-500) 115%);
  padding: 84px 0 130px;
  clip-path: polygon(0 0, 100% 0, 100% 100%, 0 calc(100% - 64px));
  overflow: hidden;
}
@media (max-width: 900px) {
  .hero { clip-path: polygon(0 0, 100% 0, 100% 100%, 0 calc(100% - 32px)); padding-bottom: 96px; }
}
/* dotted accent pattern */
.hero::before {
  content: "";
  position: absolute;
  width: 220px; height: 220px;
  left: -40px; bottom: 60px;
  background-image: radial-gradient(rgba(255, 255, 255, 0.22) 2px, transparent 2px);
  background-size: 18px 18px;
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  width: 180px; height: 180px;
  right: 6%; top: 40px;
  background-image: radial-gradient(rgba(242, 179, 61, 0.35) 2px, transparent 2px);
  background-size: 18px 18px;
  pointer-events: none;
}
.hero .container {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.08fr 0.92fr;
  gap: 60px;
  align-items: start;
}

/* hero logo chip (non-fixed brand placement) */
.hero-brand {
  display: inline-block;
  background: var(--white);
  padding: 10px 18px;
  border-radius: 12px;
  box-shadow: 0 10px 26px rgba(11, 30, 63, 0.28);
  margin-bottom: 30px;
}
.hero-brand img { display: block; width: 218px; height: auto; }
@media (max-width: 480px) { .hero-brand img { width: 184px; } }
@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; gap: 44px; }
}

.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin: 30px 0 32px; }

.hero-points { list-style: none; display: grid; gap: 14px; }
.hero-points li {
  display: flex;
  gap: 14px;
  align-items: center;
  font-family: var(--heading);
  font-weight: 700;
  font-size: 1rem;
  color: var(--white);
}
.hero-points .ico {
  width: 34px; height: 34px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.14);
  display: grid;
  place-items: center;
  color: var(--gold);
  font-size: 0.95rem;
  flex-shrink: 0;
}

.hero p.hero-lede { margin-top: 18px; font-size: 1.08rem; color: var(--text-dim-navy); max-width: 54ch; }

/* ---------- Form card ---------- */
.form-card {
  background: var(--white);
  color: var(--text);
  border-radius: 18px;
  box-shadow: var(--shadow);
  overflow: hidden;
}
.form-card .titleblock {
  padding: 26px 28px 6px;
  text-align: center;
}
.form-card .titleblock h2 {
  font-size: 1.35rem;
  color: var(--blue-500);
}
.form-card .titleblock .sub {
  font-size: 0.88rem;
  color: var(--text-dim);
  margin-top: 4px;
}
.form-body { padding: 20px 28px 26px; }

.progress { display: flex; gap: 6px; margin-bottom: 18px; }
.progress i { flex: 1; height: 5px; border-radius: 3px; background: var(--blue-100); }
.progress i.done { background: var(--gold); }

.step { display: none; }
.step.active { display: block; animation: stepIn 0.25s ease; }
@keyframes stepIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

.step h3 { margin-bottom: 16px; font-size: 1.08rem; }

.choice-grid { display: grid; gap: 10px; }
.choice {
  border: 2px solid var(--blue-100);
  border-radius: 12px;
  padding: 14px 18px;
  background: var(--white);
  font-family: var(--heading);
  font-weight: 700;
  font-size: 0.98rem;
  color: var(--navy-900);
  text-align: left;
  cursor: pointer;
  display: flex;
  align-items: center;
  gap: 12px;
  transition: border-color 0.12s ease, background 0.12s ease;
  width: 100%;
}
.choice:hover { border-color: var(--blue-500); background: var(--sky); }
.choice:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.choice .num {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--blue-100);
  color: var(--navy-700);
  display: grid;
  place-items: center;
  font-size: 0.8rem;
  flex-shrink: 0;
}

.check-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
@media (max-width: 520px) { .check-grid { grid-template-columns: 1fr; } }
.check-item {
  display: flex;
  align-items: center;
  gap: 10px;
  border: 2px solid var(--blue-100);
  border-radius: 10px;
  padding: 10px 12px;
  background: var(--white);
  font-size: 0.9rem;
  font-weight: 600;
  cursor: pointer;
}
.check-item:has(input:checked) { border-color: var(--gold); background: #FFF7E6; }
.check-item input { accent-color: var(--gold-dark); width: 16px; height: 16px; }

.field { margin-bottom: 13px; }
.field label {
  display: block;
  font-family: var(--heading);
  font-size: 0.84rem;
  font-weight: 700;
  margin-bottom: 5px;
  color: var(--navy-900);
}
.field input, .field select, .field textarea {
  width: 100%;
  font: inherit;
  padding: 12px 15px;
  border: 2px solid var(--blue-100);
  border-radius: var(--pill);
  background: var(--white);
  color: var(--text);
}
.field textarea { border-radius: 14px; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--blue-500);
}
.field.invalid input, .field.invalid select { border-color: var(--danger); }
.field .err { display: none; color: var(--danger); font-size: 0.78rem; margin-top: 4px; padding-left: 8px; }
.field.invalid .err { display: block; }

.consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.76rem;
  color: var(--text-dim);
  margin: 14px 0;
  line-height: 1.5;
}
.consent input { margin-top: 3px; accent-color: var(--gold-dark); }

.step-nav { display: flex; justify-content: space-between; gap: 10px; margin-top: 18px; }
.step-nav .btn { flex: 1; padding: 13px 20px; }
.btn-back { background: none; border: 2px solid var(--blue-100); color: var(--text-dim); }
.btn-back:hover { border-color: var(--blue-500); color: var(--blue-500); }

.form-done { text-align: center; padding: 22px 6px; }
.form-done .badge {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: #2E9E6B;
  color: var(--white);
  display: grid;
  place-items: center;
  font-size: 1.7rem;
  margin: 0 auto 16px;
}

/* trust strip inside form card footer */
.form-trust {
  background: var(--navy-900);
  color: var(--text-dim-navy);
  display: flex;
  justify-content: space-around;
  gap: 8px;
  padding: 14px 18px;
  font-family: var(--heading);
  font-weight: 700;
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  text-align: center;
}
.form-trust b { color: var(--gold); display: block; font-size: 0.95rem; letter-spacing: 0; }

/* ---------- Sections ---------- */
section.band { padding: 88px 0; }
section.band.sky { background: var(--sky); }
section.band.navy {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  color: var(--white);
}
.band-head { max-width: 660px; margin-bottom: 48px; }
.band-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* card grids */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-5 { display: grid; grid-template-columns: repeat(5, 1fr); gap: 20px; }
@media (max-width: 1020px) { .grid-5 { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 940px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid-5 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 580px) { .grid-3, .grid-4, .grid-5 { grid-template-columns: 1fr; } }

.card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px 26px;
  box-shadow: var(--shadow-soft);
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.card h3 { margin-bottom: 10px; }
.card p { color: var(--text-dim); font-size: 0.96rem; }
.card .icon {
  width: 58px; height: 58px;
  border-radius: 14px;
  background: var(--sky);
  display: grid;
  place-items: center;
  margin-bottom: 18px;
}
.card .icon img { width: 30px; height: 30px; object-fit: contain; }
.card .icon.navy-chip { background: linear-gradient(135deg, var(--navy-700), var(--blue-500)); }
.card.compact { padding: 26px 22px; }
.card.compact .icon { width: 52px; height: 52px; margin-bottom: 16px; }
.card.compact h3 { font-size: 1.05rem; line-height: 1.3; }
.card .cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 16px;
  font-family: var(--heading);
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--blue-500);
  text-decoration: none;
}
.card .cta:hover { color: var(--navy-700); text-decoration: underline; }

/* photo program cards */
.card.photo { padding: 0; overflow: hidden; }
.card.photo img.cover { width: 100%; height: 170px; object-fit: cover; }
.card.photo .inner { padding: 22px 24px 26px; }

/* navy band cards */
.navy .card {
  background: rgba(255, 255, 255, 0.07);
  box-shadow: none;
  border: 1px solid rgba(255, 255, 255, 0.12);
}
.navy .card h3 { color: var(--white); }
.navy .card p { color: var(--text-dim-navy); }
.navy .card .icon { background: rgba(255, 255, 255, 0.1); }

/* numbered process cards */
.howit { counter-reset: how; }
.howit .card { position: relative; padding-top: 34px; }
.howit .card::before {
  counter-increment: how;
  content: counter(how);
  position: absolute;
  top: -20px;
  left: 24px;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-900);
  font-family: var(--heading);
  font-weight: 800;
  display: grid;
  place-items: center;
  box-shadow: 0 6px 14px rgba(242, 179, 61, 0.4);
}

/* checklist columns */
.solutions {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 44px;
  list-style: none;
}
@media (max-width: 640px) { .solutions { grid-template-columns: 1fr; } }
.solutions li {
  display: flex;
  gap: 14px;
  align-items: center;
  padding: 12px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  font-family: var(--heading);
  font-weight: 600;
  color: var(--white);
}
.sky .solutions li { border-bottom-color: var(--blue-100); color: var(--navy-900); }
.solutions .ico {
  width: 30px; height: 30px;
  border-radius: 50%;
  background: rgba(242, 179, 61, 0.18);
  color: var(--gold);
  display: grid;
  place-items: center;
  font-size: 0.85rem;
  flex-shrink: 0;
}
.sky .solutions .ico { background: var(--blue-100); color: var(--blue-500); }

/* stat trio */
.stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; text-align: center; }
@media (max-width: 640px) { .stats { grid-template-columns: 1fr; } }
.stat {
  background: var(--white);
  border-radius: var(--radius);
  padding: 34px 20px;
  box-shadow: var(--shadow-soft);
}
.stat .num {
  font-family: var(--heading);
  font-weight: 800;
  font-size: 2.9rem;
  color: var(--blue-500);
  line-height: 1;
}
.stat .num small { font-size: 1.3rem; color: var(--gold-dark); }
.stat .lbl {
  font-family: var(--heading);
  font-weight: 700;
  font-size: 0.86rem;
  color: var(--text-dim);
  margin-top: 10px;
}

/* feature rows (building page) */
.feature-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
  padding: 56px 0;
}
.feature-row + .feature-row { border-top: 1px solid var(--blue-100); }
@media (max-width: 860px) { .feature-row { grid-template-columns: 1fr; gap: 30px; } }
.feature-row h3 { font-size: 1.65rem; margin-bottom: 14px; }
.feature-row p { color: var(--text-dim); margin-bottom: 14px; }
.feature-row ul { list-style: none; display: grid; gap: 12px; }
.feature-row ul li {
  display: flex;
  gap: 12px;
  align-items: center;
  font-weight: 600;
  color: var(--text);
}
.feature-row .ico {
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--blue-100);
  color: var(--blue-500);
  display: grid;
  place-items: center;
  font-size: 0.8rem;
  flex-shrink: 0;
}

/* highlight panel */
.spec-panel {
  background: linear-gradient(135deg, var(--navy-700), var(--blue-500));
  color: var(--white);
  border-radius: 18px;
  padding: 34px 32px;
  box-shadow: var(--shadow);
  position: relative;
  overflow: hidden;
}
.spec-panel::after {
  content: "";
  position: absolute;
  width: 160px; height: 160px;
  right: -30px; bottom: -30px;
  background-image: radial-gradient(rgba(255, 255, 255, 0.25) 2px, transparent 2px);
  background-size: 16px 16px;
}
.spec-panel .kicker {
  font-family: var(--heading);
  font-weight: 700;
  font-size: 0.74rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.spec-panel .big {
  font-family: var(--heading);
  font-weight: 800;
  font-size: 2.6rem;
  line-height: 1.05;
}
.spec-panel .sub { color: var(--text-dim-navy); font-size: 0.95rem; margin-top: 10px; }
.spec-panel ol {
  margin-top: 22px;
  list-style: none;
  counter-reset: spec;
  display: grid;
  gap: 14px;
  position: relative;
  z-index: 1;
}
.spec-panel ol li {
  counter-increment: spec;
  display: flex;
  gap: 14px;
  font-size: 0.95rem;
  align-items: flex-start;
}
.spec-panel ol li::before {
  content: counter(spec);
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-900);
  font-family: var(--heading);
  font-weight: 800;
  font-size: 0.85rem;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  margin-top: 2px;
}

/* CTA band */
.cta-band { text-align: center; }
.cta-band h2 { color: var(--white); margin-bottom: 14px; }
.cta-band p { color: var(--text-dim-navy); margin-bottom: 30px; }
.cta-band .btn-row { display: flex; justify-content: center; flex-wrap: wrap; gap: 14px; }

/* ---------- Footer ---------- */
footer.site {
  background: var(--navy-900);
  color: var(--text-dim-navy);
  padding: 56px 0 32px;
}
.foot-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 44px;
  margin-bottom: 40px;
}
@media (max-width: 720px) { .foot-grid { grid-template-columns: 1fr; gap: 30px; } }
footer h4 {
  color: var(--white);
  font-size: 1rem;
  margin-bottom: 16px;
}
footer ul { list-style: none; display: grid; gap: 10px; }
footer a { color: var(--text-dim-navy); text-decoration: none; font-size: 0.94rem; }
footer a:hover { color: var(--gold); }
.foot-legal {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 22px;
  font-size: 0.8rem;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
}

/* mobile sticky call bar */
.callbar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 60;
  background: var(--white);
  box-shadow: 0 -6px 20px rgba(11, 30, 63, 0.15);
  padding: 10px 12px;
  gap: 10px;
}
.callbar a { flex: 1; padding: 13px; font-size: 0.95rem; }
@media (max-width: 800px) {
  .callbar { display: flex; }
  body { padding-bottom: 70px; }
}

/* reveal on scroll */
.reveal { opacity: 0; transform: translateY(16px); transition: opacity 0.5s ease, transform 0.5s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } }

/* ---------- Legal / policy document page ---------- */
.legal-hero {
  background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
  color: var(--white);
  padding: 54px 0 46px;
}
.legal-hero .hero-brand { margin-bottom: 26px; }
.legal-hero h1 { color: var(--white); margin-bottom: 8px; }
.legal-hero .crumb {
  font-size: 0.9rem;
  color: var(--text-dim-navy);
}
.legal-hero .crumb a { color: var(--gold); text-decoration: none; }
.legal-hero .crumb a:hover { text-decoration: underline; }

.legal-doc { padding: 56px 0 72px; }
.legal-doc .container { max-width: 860px; }
.legal-doc .updated {
  font-weight: 700;
  color: var(--navy-700);
  margin-bottom: 28px;
}
.legal-doc h2 {
  font-size: 1.5rem;
  margin: 40px 0 12px;
  padding-top: 8px;
}
.legal-doc h3 {
  font-size: 1.15rem;
  color: var(--navy-700);
  margin: 26px 0 10px;
}
.legal-doc p { color: var(--text-dim); margin-bottom: 16px; }
.legal-doc ul {
  margin: 0 0 18px 0;
  padding-left: 22px;
  color: var(--text-dim);
}
.legal-doc ul li { margin-bottom: 10px; }
.legal-doc a { color: var(--blue-500); word-break: break-word; }
.legal-doc strong { color: var(--navy-900); }

/* ---------- Contact page ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 48px;
  align-items: start;
}
@media (max-width: 860px) { .contact-grid { grid-template-columns: 1fr; gap: 34px; } }

.contact-list { list-style: none; display: grid; gap: 14px; margin-bottom: 30px; }
.contact-list li {
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--white);
  border-radius: 12px;
  padding: 14px 18px;
  box-shadow: var(--shadow-soft);
}
.contact-list .ico {
  width: 40px; height: 40px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--navy-700), var(--blue-500));
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.contact-list .ico img { width: 20px; height: 20px; }
.contact-list .lbl {
  display: block;
  font-family: var(--heading);
  font-weight: 700;
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-dim);
}
.contact-list .val {
  font-family: var(--heading);
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--navy-900);
  text-decoration: none;
  word-break: break-word;
}
.contact-list a.val:hover { color: var(--blue-500); }

.address-card {
  background: linear-gradient(135deg, var(--navy-700), var(--blue-500));
  color: var(--white);
  border-radius: 16px;
  padding: 26px 28px;
  box-shadow: var(--shadow);
}
.address-card .lbl {
  font-family: var(--heading);
  font-weight: 700;
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.address-card address {
  font-style: normal;
  font-family: var(--heading);
  font-weight: 700;
  font-size: 1.15rem;
  line-height: 1.5;
}

/* ---------- FAQ page ---------- */
.faq-list { display: grid; gap: 14px; max-width: 880px; margin: 0 auto; }
.faq-item {
  background: var(--white);
  border-radius: 14px;
  box-shadow: var(--shadow-soft);
  overflow: hidden;
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 20px 56px 20px 24px;
  position: relative;
  font-family: var(--heading);
  font-weight: 700;
  font-size: 1.06rem;
  color: var(--navy-900);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:focus-visible { outline: 3px solid var(--gold); outline-offset: -3px; }
.faq-item summary::after {
  content: "";
  position: absolute;
  right: 22px;
  top: 50%;
  width: 11px; height: 11px;
  border-right: 2.5px solid var(--blue-500);
  border-bottom: 2.5px solid var(--blue-500);
  transform: translateY(-70%) rotate(45deg);
  transition: transform 0.2s ease;
}
.faq-item[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.faq-item[open] summary { color: var(--blue-500); }
.faq-answer { padding: 0 24px 22px; }
.faq-answer p { color: var(--text-dim); margin-bottom: 14px; }
.faq-answer p:last-child { margin-bottom: 0; }
.faq-answer ul { list-style: none; display: grid; gap: 10px; margin-top: 6px; }
.faq-answer ul li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  color: var(--text-dim);
}
.faq-answer ul li .tick {
  color: var(--gold-dark);
  font-weight: 700;
  flex-shrink: 0;
}
.faq-answer ol {
  padding-left: 0;
  list-style: none;
  counter-reset: faqstep;
  display: grid;
  gap: 12px;
  margin-top: 6px;
}
.faq-answer ol li {
  counter-increment: faqstep;
  display: flex;
  gap: 12px;
  color: var(--text-dim);
}
.faq-answer ol li::before {
  content: counter(faqstep);
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-900);
  font-family: var(--heading);
  font-weight: 800;
  font-size: 0.82rem;
  display: grid;
  place-items: center;
  flex-shrink: 0;
}

/* FAQ page form section */
.faq-form-wrap { max-width: 620px; margin: 0 auto; }