/* Meridian Debt Resolution — site styles
   Brand: blue #1F4E8C, green #2F8F5B, navy #102A4C, slate #374151. Font: Roboto. */

:root {
  --blue: #1F4E8C;
  --blue-700: #183E70;
  --green: #2F8F5B;
  --green-600: #267A4D;
  --green-50: #EAF5EE;
  --navy: #102A4C;
  --navy-800: #0B1F39;
  --slate: #374151;
  --slate-500: #6B7280;
  --line: #E3E8EF;
  --bg-soft: #F4F7FB;
  --bg-blue: #EAF0F8;
  --white: #FFFFFF;
  --radius: 14px;
  --radius-sm: 8px;
  --shadow: 0 1px 2px rgba(16, 42, 76, .06), 0 8px 24px rgba(16, 42, 76, .08);
  --shadow-lg: 0 2px 6px rgba(16, 42, 76, .08), 0 24px 48px rgba(16, 42, 76, .14);
  --wrap: 1180px;
  --font: "Roboto", system-ui, -apple-system, "Segoe UI", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  color: var(--slate);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--blue); text-underline-offset: 3px; }
a[href^="mailto:"] { overflow-wrap: anywhere; }
a:hover { color: var(--blue-700); }
h1, h2, h3, h4 { color: var(--navy); line-height: 1.2; margin: 0 0 .5em; font-weight: 700; letter-spacing: -.01em; }
h1 { font-size: clamp(2.1rem, 4.4vw, 3.25rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.25rem); color: var(--blue); }
h3 { font-size: 1.2rem; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }
:focus-visible { outline: 3px solid #7FB3F0; outline-offset: 2px; border-radius: 4px; }

.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.section { padding: 88px 0; }
.section--soft { background: var(--bg-soft); }
.section--tight { padding: 64px 0; }
.lede { font-size: 1.15rem; color: var(--slate); max-width: 46rem; }
.center { text-align: center; }
.center .lede { margin-left: auto; margin-right: auto; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .8rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  color: var(--green); margin-bottom: 12px;
}
.eyebrow::before { content: ""; width: 22px; height: 3px; border-radius: 2px; background: var(--green); transform: rotate(-35deg); }
.skip-link { position: absolute; left: -9999px; top: 8px; background: var(--navy); color: #fff; padding: 8px 14px; border-radius: 6px; z-index: 100; }
.skip-link:focus { left: 8px; }
[hidden] { display: none !important; }

/* Placeholders still to confirm before launch (toggle in site-config.js) */
.show-placeholders .ph { background: #FFF3BF; box-shadow: 0 0 0 2px #FFF3BF; border-radius: 3px; color: #5C4400; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font: 600 1rem/1 var(--font); text-decoration: none; cursor: pointer;
  padding: 15px 24px; border-radius: 999px; border: 2px solid transparent;
  transition: background .15s, color .15s, border-color .15s, transform .15s, box-shadow .15s;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn--green { background: var(--green); color: #fff; box-shadow: 0 6px 16px rgba(47, 143, 91, .28); }
.btn--green:hover { background: var(--green-600); color: #fff; }
.btn--outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn--outline:hover { background: var(--navy); color: #fff; }
.btn--ghost-light { border-color: rgba(255,255,255,.5); color: #fff; }
.btn--ghost-light:hover { background: #fff; color: var(--navy); }
.btn--lg { padding: 18px 30px; font-size: 1.05rem; }
.btn--sm { padding: 10px 18px; font-size: .92rem; }
.btn--block { width: 100%; }
.btn svg { width: 18px; height: 18px; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.center .btn-row { justify-content: center; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96); backdrop-filter: saturate(160%) blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; gap: 24px; height: 78px; }
.brand { display: block; flex-shrink: 0; }
.brand img { width: 200px; height: auto; }
.nav { display: flex; align-items: center; gap: 4px; margin-left: auto; }
.nav a.nav-link {
  color: var(--navy); text-decoration: none; font-weight: 500; font-size: .98rem;
  padding: 10px 14px; border-radius: 8px;
}
.nav a.nav-link:hover { background: var(--bg-soft); }
.nav a.nav-link[aria-current="page"] { color: var(--blue); box-shadow: inset 0 -2px 0 var(--green); border-radius: 0; }
.nav-actions { display: flex; align-items: center; gap: 10px; margin-left: 10px; }
.header-phone { font-weight: 600; color: var(--navy); text-decoration: none; }
.menu-toggle {
  display: none; margin-left: auto; background: none; border: 0; padding: 10px; cursor: pointer; color: var(--navy);
}
.menu-toggle svg { width: 28px; height: 28px; }

@media (max-width: 1080px) {
  .nav a.nav-link { padding: 10px 9px; font-size: .94rem; }
  .brand img { width: 170px; }
}
@media (max-width: 960px) {
  .menu-toggle { display: block; }
  .nav {
    position: fixed; inset: 78px 0 auto 0; flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-lg);
    padding: 16px 24px 24px; margin: 0; max-height: calc(100vh - 78px); overflow-y: auto;
    transform: translateY(-8px); opacity: 0; visibility: hidden; transition: .2s;
  }
  .nav.is-open { transform: none; opacity: 1; visibility: visible; }
  .nav a.nav-link { padding: 14px 4px; border-bottom: 1px solid var(--line); border-radius: 0; font-size: 1.05rem; }
  .nav a.nav-link[aria-current="page"] { box-shadow: none; }
  .nav-actions { order: -1; flex-direction: column; align-items: stretch; margin: 0 0 8px; gap: 10px; }
  .nav-actions .btn { width: 100%; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(180deg, var(--bg-blue) 0%, #F6F9FC 100%);
  padding: 72px 0 88px;
}
.hero::after {
  /* the rising Meridian stroke, as a quiet background motif */
  content: ""; position: absolute; right: -140px; top: -120px; width: 560px; height: 18px;
  background: linear-gradient(90deg, rgba(47,143,91,0), rgba(47,143,91,.16));
  border-radius: 20px; transform: rotate(-53deg); transform-origin: right center; pointer-events: none;
}
.hero-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: start; position: relative; z-index: 1; }
.hero h1 { margin-bottom: 20px; }
.hero h1 .accent { color: var(--green); }
.hero .lede { font-size: 1.18rem; }
.hero-points { list-style: none; padding: 0; margin: 32px 0 0; display: grid; gap: 12px; }
.hero-points li { display: flex; gap: 12px; align-items: flex-start; font-weight: 500; color: var(--navy); }
.check { flex-shrink: 0; width: 24px; height: 24px; border-radius: 50%; background: var(--green-50); color: var(--green); display: grid; place-items: center; margin-top: 1px; }
.check svg { width: 14px; height: 14px; }

/* ---------- Cards & forms ---------- */
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.form-card { padding: 32px; box-shadow: var(--shadow-lg); border-top: 5px solid var(--green); }
.form-card h3 { font-size: 1.45rem; margin-bottom: 4px; }
.form-card .sub { color: var(--slate-500); font-size: .95rem; margin-bottom: 20px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field--full { grid-column: 1 / -1; }
.field label, .field .label { font-size: .88rem; font-weight: 600; color: var(--navy); }
.field .opt { font-weight: 400; color: var(--slate-500); }
.input, select.input, textarea.input {
  width: 100%; font: 400 1rem var(--font); color: var(--slate);
  padding: 12px 14px; border: 1.5px solid #CBD5E1; border-radius: var(--radius-sm); background: #fff;
  transition: border-color .15s, box-shadow .15s;
}
textarea.input { min-height: 140px; resize: vertical; }
.input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(31,78,140,.14); }
.input[aria-invalid="true"] { border-color: #C2410C; }
select.input { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%23374151'%3E%3Cpath d='M5.3 7.3a1 1 0 0 1 1.4 0L10 10.6l3.3-3.3a1 1 0 1 1 1.4 1.4l-4 4a1 1 0 0 1-1.4 0l-4-4a1 1 0 0 1 0-1.4z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 18px; padding-right: 40px; }
.err { color: #B4380B; font-size: .82rem; min-height: 0; }
.range-wrap { padding: 4px 0 0; }
.range-top { display: flex; justify-content: space-between; align-items: baseline; }
.range-value { font-size: 1.5rem; font-weight: 700; color: var(--green); }
.range-scale { display: flex; justify-content: space-between; font-size: .78rem; color: var(--slate-500); }
input[type="range"] { width: 100%; accent-color: var(--green); height: 28px; cursor: pointer; }
.field label.consent { font-weight: 400; color: var(--slate-500); font-size: .78rem; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: .78rem; line-height: 1.5; color: var(--slate-500); margin: 6px 0 0; }
.consent input { width: 18px; height: 18px; margin-top: 2px; flex-shrink: 0; accent-color: var(--green); }
.form-foot { text-align: center; font-size: .86rem; color: var(--slate-500); margin: 14px 0 0; }
.form-foot strong { color: var(--navy); display: block; font-size: .95rem; }
.state-note {
  background: var(--bg-blue); border-left: 4px solid var(--blue); padding: 12px 14px; border-radius: 6px; font-size: .9rem; color: var(--navy);
}
.form-success { text-align: center; padding: 24px 8px; }
.form-success .big-check { width: 64px; height: 64px; border-radius: 50%; background: var(--green-50); color: var(--green); display: grid; place-items: center; margin: 0 auto 16px; }
.form-success .big-check svg { width: 32px; height: 32px; }

/* ---------- Generic grids ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.section-head { margin-bottom: 44px; }

/* Self-check list */
.ask-list { list-style: none; padding: 0; margin: 0 0 24px; display: grid; gap: 14px; }
.ask-list li {
  display: flex; gap: 14px; align-items: flex-start; background: #fff; border: 1px solid var(--line);
  border-radius: 12px; padding: 16px 18px; font-weight: 500; color: var(--navy);
}
.ask-list .q { flex-shrink: 0; width: 28px; height: 28px; border-radius: 50%; background: var(--bg-blue); color: var(--blue); display: grid; place-items: center; font-weight: 700; font-size: .9rem; }

/* Feature cards */
.feature { padding: 28px 24px; }
.feature .ico { width: 52px; height: 52px; border-radius: 14px; background: var(--green-50); color: var(--green); display: grid; place-items: center; margin-bottom: 18px; }
.feature .ico svg { width: 26px; height: 26px; }
.feature h3 { font-size: 1.12rem; }
.feature p { font-size: .97rem; margin: 0; }

.trust-strip { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px 36px; margin-top: 40px; padding-top: 32px; border-top: 1px solid var(--line); }
.trust-item { display: flex; gap: 10px; align-items: flex-start; max-width: 270px; font-size: .9rem; }
.trust-item svg { width: 22px; height: 22px; color: var(--blue); flex-shrink: 0; margin-top: 2px; }
.trust-item strong { color: var(--navy); }

/* Steps summary */
.steps-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; counter-reset: s; position: relative; }
.step3 { padding: 32px 28px; position: relative; }
.step3 .num {
  width: 46px; height: 46px; border-radius: 50%; background: var(--green); color: #fff; font-weight: 700; font-size: 1.15rem;
  display: grid; place-items: center; margin-bottom: 18px; box-shadow: 0 0 0 6px var(--green-50);
}
.step3 h3 { font-size: 1.15rem; }
.step3 p { margin: 0; font-size: .97rem; }

/* Eligible / not eligible */
.elig { padding: 28px; }
.elig h3 { display: flex; align-items: center; gap: 10px; margin-bottom: 16px; }
.elig ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.elig li { display: flex; gap: 10px; align-items: flex-start; }
.elig li svg { width: 20px; height: 20px; flex-shrink: 0; margin-top: 3px; }
.elig--yes { border-top: 5px solid var(--green); }
.elig--yes li svg { color: var(--green); }
.elig--no { border-top: 5px solid #94A3B8; }
.elig--no li svg { color: #94A3B8; }
.badge { font-size: .72rem; letter-spacing: .08em; text-transform: uppercase; font-weight: 700; padding: 4px 10px; border-radius: 999px; }
.badge--green { background: var(--green-50); color: var(--green); }
.badge--grey { background: #EEF1F5; color: #475569; }

/* Know before you enroll */
.know { display: grid; grid-template-columns: .9fr 1.1fr; gap: 56px; align-items: start; }
.know-list { list-style: none; padding: 0; margin: 0; counter-reset: k; }
.know-list li { counter-increment: k; display: flex; gap: 16px; padding: 16px 0; border-bottom: 1px solid var(--line); color: var(--navy); font-weight: 500; }
.know-list li:first-child { padding-top: 0; }
.know-list li::before { content: counter(k, decimal-leading-zero); font-weight: 700; color: var(--green); font-size: .9rem; padding-top: 2px; min-width: 22px; }

/* Navy CTA band */
.cta-band { background: var(--navy); color: #D4DEEC; position: relative; overflow: hidden; }
.cta-band::before {
  content: ""; position: absolute; left: -80px; bottom: -60px; width: 420px; height: 16px; border-radius: 20px;
  background: linear-gradient(90deg, rgba(47,143,91,.0), rgba(47,143,91,.55)); transform: rotate(-53deg); transform-origin: left center;
}
.cta-band h2 { color: #fff; }
.cta-band .lede { color: #C9D6E8; }
.cta-band a:not(.btn) { color: #fff; }
.cta-band .wrap { position: relative; }

/* Page intro (inner pages) */
.page-intro { background: linear-gradient(180deg, var(--bg-blue), #F7FAFD); padding: 72px 0 64px; border-bottom: 1px solid var(--line); }
.page-intro .lede { margin-bottom: 0; }
.crumbs { font-size: .85rem; color: var(--slate-500); margin-bottom: 14px; }
.crumbs a { color: var(--slate-500); }

/* Timeline */
.timeline { list-style: none; margin: 0; padding: 0; position: relative; max-width: 860px; }
.timeline::before { content: ""; position: absolute; left: 27px; top: 10px; bottom: 10px; width: 3px; background: linear-gradient(var(--green), var(--blue)); border-radius: 3px; opacity: .25; }
.t-step { display: grid; grid-template-columns: 58px 1fr; gap: 28px; padding-bottom: 44px; position: relative; }
.t-step:last-child { padding-bottom: 0; }
.t-num {
  width: 56px; height: 56px; border-radius: 50%; background: var(--green); color: #fff; font-weight: 700; font-size: 1.3rem;
  display: grid; place-items: center; box-shadow: 0 0 0 7px #fff, 0 0 0 9px var(--green-50); position: relative; z-index: 1;
}
.t-step h2 { font-size: 1.45rem; margin: 12px 0 10px; color: var(--navy); }
.t-step h2 .step-label { display: block; font-size: .78rem; text-transform: uppercase; letter-spacing: .12em; color: var(--green); margin-bottom: 4px; }
.callout { display: flex; gap: 18px; align-items: flex-start; background: var(--green-50); border: 1px solid #CBE6D5; border-radius: var(--radius); padding: 24px 26px; margin-top: 48px; max-width: 860px; }
.callout svg { width: 30px; height: 30px; color: var(--green); flex-shrink: 0; }
.callout h3 { margin-bottom: 4px; }
.callout p { margin: 0; }

/* Money split */
.money { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin: 28px 0 20px; }
.money .card { padding: 24px; }
.money .tag { font-size: .8rem; font-weight: 700; color: var(--green); text-transform: uppercase; letter-spacing: .08em; }
.money h3 { margin: 6px 0 8px; }
.money p { margin: 0; font-size: .96rem; }
.note { font-size: .95rem; color: var(--navy); font-weight: 500; display: flex; gap: 10px; align-items: center; }
.note svg { width: 20px; height: 20px; color: var(--blue); }

.fee-box { display: grid; grid-template-columns: auto 1fr; gap: 36px; align-items: center; padding: 36px; }
.fee-figure { text-align: center; padding-right: 36px; border-right: 1px solid var(--line); }
.fee-figure .big { font-size: 3.4rem; font-weight: 700; color: var(--green); line-height: 1; }
.fee-figure .small { font-size: .85rem; color: var(--slate-500); margin-top: 6px; }

.expect { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.expect .card { padding: 26px; }
.expect h3 { display: flex; gap: 10px; align-items: center; }
.expect h3 svg { width: 22px; height: 22px; color: var(--blue); }
.expect p { margin: 0; font-size: .97rem; }

/* Compare table */
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: var(--shadow); }
table.compare { width: 100%; min-width: 860px; border-collapse: collapse; font-size: .95rem; }
.compare th, .compare td { text-align: left; padding: 16px 18px; border-bottom: 1px solid var(--line); vertical-align: top; }
.compare thead th { background: var(--navy); color: #fff; font-weight: 600; font-size: .88rem; letter-spacing: .02em; }
.compare tbody th { color: var(--navy); font-weight: 700; width: 18%; }
.compare tbody tr:last-child th, .compare tbody tr:last-child td { border-bottom: 0; }
.compare tr.is-ours { background: var(--green-50); }
.compare tr.is-ours th { color: var(--green-600); }
.scroll-hint { display: none; font-size: .82rem; color: var(--slate-500); margin: 0 0 8px; }
@media (max-width: 900px) { .scroll-hint { display: block; } }

/* FAQ */
.faq-layout { display: grid; grid-template-columns: 240px 1fr; gap: 56px; align-items: start; }
.faq-nav { position: sticky; top: 100px; }
.faq-nav p { font-size: .78rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--slate-500); margin-bottom: 10px; }
.faq-nav ul { list-style: none; margin: 0; padding: 0; border-left: 2px solid var(--line); }
.faq-nav a { display: block; padding: 8px 16px; text-decoration: none; color: var(--navy); font-weight: 500; margin-left: -2px; border-left: 2px solid transparent; }
.faq-nav a:hover, .faq-nav a.is-active { color: var(--green); border-left-color: var(--green); }
.faq-group { scroll-margin-top: 100px; margin-bottom: 48px; }
.faq-group h2 { font-size: 1.6rem; margin-bottom: 16px; }
details.faq { border: 1px solid var(--line); border-radius: 12px; background: #fff; margin-bottom: 10px; transition: box-shadow .15s, border-color .15s; }
details.faq[open] { box-shadow: var(--shadow); border-color: #D2DCE8; }
details.faq summary {
  list-style: none; cursor: pointer; padding: 18px 56px 18px 22px; position: relative;
  font-weight: 600; color: var(--navy); font-size: 1.04rem;
}
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::after {
  content: ""; position: absolute; right: 22px; top: 50%; width: 22px; height: 22px; margin-top: -11px; border-radius: 50%;
  background: var(--bg-blue) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20' fill='%231F4E8C'%3E%3Cpath d='M10 4a1 1 0 0 1 1 1v4h4a1 1 0 1 1 0 2h-4v4a1 1 0 1 1-2 0v-4H5a1 1 0 1 1 0-2h4V5a1 1 0 0 1 1-1z'/%3E%3C/svg%3E") center/14px no-repeat;
  transition: transform .2s;
}
details.faq[open] summary::after { transform: rotate(45deg); background-color: var(--green-50); }
details.faq .answer { padding: 0 22px 20px; }
details.faq .answer p:last-child { margin-bottom: 0; }

/* Contact */
.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 48px; align-items: start; }
.detail-list { list-style: none; padding: 0; margin: 0 0 24px; display: grid; gap: 18px; }
.detail-list li { display: flex; gap: 14px; align-items: flex-start; }
.detail-list .d-ico { width: 44px; height: 44px; border-radius: 12px; background: var(--bg-blue); color: var(--blue); display: grid; place-items: center; flex-shrink: 0; }
.detail-list .d-ico svg { width: 22px; height: 22px; }
.detail-list .d-label { font-size: .8rem; text-transform: uppercase; letter-spacing: .08em; font-weight: 700; color: var(--slate-500); }
.detail-list .d-value { color: var(--navy); font-weight: 500; }
.client-note { background: var(--bg-soft); border-radius: 12px; padding: 18px 20px; font-size: .95rem; }
.socials { display: flex; flex-wrap: wrap; gap: 10px; }
.social-btn { width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; background: var(--bg-blue); color: var(--navy); transition: .15s; }
.social-btn:hover { background: var(--navy); color: #fff; }
.social-btn svg { width: 19px; height: 19px; fill: currentColor; }
.map-frame { border: 0; width: 100%; height: 380px; border-radius: var(--radius); display: block; box-shadow: var(--shadow); background: var(--bg-soft); }
.small-print { font-size: .9rem; color: var(--slate-500); }

/* Portal */
.portal-bg { background: linear-gradient(180deg, var(--bg-blue), #F7FAFD); padding: 64px 0 80px; }
.portal-card { max-width: 460px; margin: 0 auto; padding: 40px 36px; }
.portal-card .p-logo { width: 72px; margin: 0 auto 20px; }
.portal-card h1 { font-size: 1.9rem; text-align: center; margin-bottom: 8px; }
.portal-card .sub { text-align: center; color: var(--slate-500); margin-bottom: 28px; }
.pw-wrap { position: relative; }
.pw-wrap .input { padding-right: 70px; }
.pw-toggle { position: absolute; right: 8px; top: 50%; transform: translateY(-50%); background: none; border: 0; font: 600 .85rem var(--font); color: var(--blue); cursor: pointer; padding: 8px; }
.portal-row { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; font-size: .9rem; margin: 4px 0 18px; }
.portal-row label { display: flex; gap: 8px; align-items: center; cursor: pointer; }
.portal-row input { accent-color: var(--green); width: 16px; height: 16px; }
.portal-links { text-align: center; font-size: .92rem; margin-top: 18px; }
.secure-note { display: flex; gap: 8px; justify-content: center; align-items: center; font-size: .8rem; color: var(--slate-500); margin-top: 20px; }
.secure-note svg { width: 14px; height: 14px; }
.portal-features { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.portal-features li { padding: 24px; }
.portal-features .ico { width: 44px; height: 44px; border-radius: 12px; background: var(--green-50); color: var(--green); display: grid; place-items: center; margin-bottom: 14px; }
.portal-features .ico svg { width: 22px; height: 22px; }
.portal-features strong { display: block; color: var(--navy); margin-bottom: 4px; font-size: 1.05rem; }
.portal-features span { font-size: .95rem; }
.shield-list { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.shield-list li { display: flex; gap: 12px; align-items: flex-start; }
.shield-list svg { width: 22px; height: 22px; color: var(--blue); flex-shrink: 0; margin-top: 2px; }

/* Legal pages */
.legal { max-width: 800px; }
.legal h2 { font-size: 1.35rem; color: var(--navy); margin-top: 40px; padding-top: 8px; }
.legal h3 { font-size: 1.08rem; margin-top: 24px; color: var(--blue); }
.legal li { margin-bottom: 8px; }
.legal-meta { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; justify-content: space-between; padding: 16px 20px; background: var(--bg-soft); border-radius: 12px; margin-bottom: 8px; font-size: .95rem; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #B8C6DA; font-size: .95rem; }
.site-footer a { color: #E2EAF5; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-cols { display: grid; grid-template-columns: 1.2fr .8fr 1.6fr 1fr; gap: 40px; padding: 72px 0 48px; }
.footer-cols h4 { color: #fff; font-size: .82rem; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 16px; }
.footer-cols ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.footer-brand img { width: 200px; margin-bottom: 16px; }
.footer-brand p { max-width: 280px; }
.footer-contact li { display: flex; gap: 10px; }
.footer-contact a { overflow-wrap: normal; }
.footer-contact svg { width: 18px; height: 18px; flex-shrink: 0; margin-top: 4px; color: #7FA6D6; }
.footer-social { display: flex; flex-wrap: wrap; gap: 10px; }
.footer-social a { width: 40px; height: 40px; border-radius: 50%; border: 1px solid rgba(255,255,255,.22); display: grid; place-items: center; }
.footer-social a:hover { background: rgba(255,255,255,.1); text-decoration: none; }
.footer-social svg { width: 17px; height: 17px; fill: #fff; }
.accred { border-top: 1px solid rgba(255,255,255,.12); padding: 36px 0 8px; text-align: center; }
.accred-logos { display: flex; justify-content: center; align-items: center; gap: 48px; flex-wrap: wrap; margin-bottom: 14px; }
.accred-logos img { width: 140px; height: auto; }
.accred p { font-size: .85rem; margin: 0; }
.disclosure { border-top: 1px solid rgba(255,255,255,.12); padding: 32px 0; font-size: .82rem; line-height: 1.7; color: #9FB0C8; }
.disclosure strong { color: #DCE5F1; }
.disclosure a { text-decoration: underline; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding: 22px 0 28px; font-size: .85rem; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; }
.footer-bottom nav { display: flex; gap: 20px; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-cols { grid-template-columns: 1fr 1fr; }
  .portal-features { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 900px) {
  .hero-grid, .split, .know, .contact-grid, .faq-layout { grid-template-columns: 1fr; gap: 40px; }
  .steps-3, .money, .grid-3 { grid-template-columns: 1fr; }
  .faq-nav { position: static; }
  .faq-nav ul { display: flex; flex-wrap: wrap; gap: 8px; border: 0; }
  .faq-nav a { border: 1px solid var(--line); border-radius: 999px; padding: 6px 14px; margin: 0; font-size: .92rem; }
  .fee-box { grid-template-columns: 1fr; }
  .fee-figure { border-right: 0; padding-right: 0; border-bottom: 1px solid var(--line); padding-bottom: 24px; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .wrap { padding: 0 16px; }
  .section { padding: 64px 0; }
  .hero { padding: 44px 0 56px; }
  .grid-4, .grid-2, .expect, .portal-features, .footer-cols { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .form-card { padding: 24px 20px; }
  .portal-card { padding: 32px 22px; }
  .btn-row .btn { width: 100%; }
  .t-step { grid-template-columns: 44px 1fr; gap: 18px; }
  .t-num { width: 44px; height: 44px; font-size: 1.1rem; }
  .timeline::before { left: 21px; }
  .brand img { width: 160px; }
}

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

/* ---------- Print (ACDR disclosure "printable copy") ---------- */
@media print {
  .site-header, .site-footer, .no-print, .page-intro .btn-row { display: none !important; }
  body { font-size: 11pt; color: #000; }
  .page-intro { background: none; padding: 0 0 12pt; border: 0; }
  .section { padding: 0; }
  .legal h2 { margin-top: 14pt; break-after: avoid; }
  .print-only { display: block !important; }
  a { color: #000; }
}
.print-only { display: none; }

/* Hero accreditation badge (home page) */
.hero-accred { display: inline-flex; align-items: center; gap: 16px; margin-top: 28px; padding: 12px 18px 12px 14px; background: #fff; border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow); text-decoration: none; color: var(--slate); font-size: .88rem; line-height: 1.4; }
.hero-accred:hover { border-color: #C9D5E4; }
.hero-accred img { width: 120px; height: auto; }
.hero-accred strong { color: var(--navy); }