/* site.css — public website, client account and shared components (buttons, forms, tables, badges).
   Admin-only styles live in admin.css. ===== PALETTE — change these 8 values to re-theme the entire site and admin portal ===== */
:root{--navy:#0a1f44;--navy-2:#112c5c;--accent:#f26a21;--accent-2:#d9560f;--sky:#eef3fb;--ink:#13213c;--muted:#5b6b82;--line:#dde5f0;
--bg:#f5f7fb;--surface:#fff;--success:#16794a;--warning:#9a6500;--danger:#c0352b;--info:#1b5fc4;--radius:12px;--shadow:0 6px 24px rgba(10,31,68,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif}
img{max-width:100%}a{color:var(--navy-2);text-decoration:none}a:hover{color:var(--accent-2)}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;color:var(--navy);overflow-wrap:break-word}h1{font-size:clamp(2rem,5vw,3.2rem)}h2{font-size:clamp(1.5rem,3vw,2.2rem)}h3{font-size:1.15rem}
p{margin:0 0 1em}.muted{color:var(--muted)}.container{width:min(100% - 32px,1180px);margin:auto}.narrow{width:min(100% - 32px,780px);margin:auto}
.sr-only{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 12px;z-index:100}.skip:focus{left:8px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #ffbf47;outline-offset:2px}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 22px;border-radius:10px;border:2px solid transparent;font-weight:700;font-size:15px;line-height:1.3;text-align:center;cursor:pointer;background:var(--navy);color:#fff;transition:.15s;font-family:inherit}
.btn:hover{background:var(--navy-2);color:#fff}.btn-primary{background:var(--accent)}.btn-primary:hover{background:var(--accent-2)}
.btn-outline{background:transparent;border-color:currentColor;color:var(--navy)}.btn-outline:hover{background:var(--navy);color:#fff}
.btn-light{background:#fff;color:var(--navy)}.btn-light:hover{background:var(--sky);color:var(--navy)}.btn-sm{padding:7px 13px;font-size:13px;border-radius:8px}.btn-danger{background:var(--danger)}.btn-block{width:100%}
/* header */
.topbar{background:var(--navy);color:#cfd9ea;font-size:13px}.topbar-inner{min-height:38px;display:flex;align-items:center;justify-content:space-between;gap:16px}.topbar a{color:#fff;font-weight:700}
.site-header{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 1px 0 var(--line)}
.nav{min-height:76px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:10px;min-width:0;font-weight:800;color:var(--navy);font-size:17px;line-height:1.1}.brand svg{width:40px;height:40px;flex:none}.brand small{display:block;font-weight:600;color:var(--muted);font-size:11px;letter-spacing:.06em;text-transform:uppercase}
.main-nav{margin-left:auto;display:flex;align-items:center;gap:24px}.nav-links,.nav-actions{display:flex;align-items:center;gap:22px}.main-nav a{font-weight:600;font-size:14.5px;color:var(--ink)}.main-nav a:hover,.main-nav a[aria-current=page]{color:var(--accent-2)}.main-nav a.btn{color:#fff}
.menu-btn{display:none;margin-left:auto;background:none;border:0;padding:10px;cursor:pointer;flex-direction:column;gap:5px}.menu-btn span{width:24px;height:3px;background:var(--navy);border-radius:2px}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:72px 0;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(242,106,33,.35),transparent 70%)}
.hero h1{color:#fff}.hero h1 em{color:var(--accent);font-style:normal}.hero p.lead{font-size:1.15rem;color:#d6e0f0;max-width:560px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;position:relative;z-index:1}.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin-top:8px}.chip{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);padding:5px 12px;border-radius:99px;font-size:13px;font-weight:600}
.kicker{display:inline-block;color:var(--accent);font-weight:800;font-size:13px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:10px}
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:52px 0}.page-hero h1{color:#fff;font-size:clamp(1.8rem,4vw,2.6rem)}.page-hero p{color:#d6e0f0;margin:0;max-width:650px}
/* sections / cards */
.section{padding:72px 0}.section.alt{background:#fff}.section-head{max-width:680px;margin:0 auto 40px;text-align:center}
.grid{display:grid;gap:22px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);transition:.18s}a.card{color:inherit}.card:active{border-color:var(--accent)}@media(hover:hover){.card:hover{transform:translateY(-3px);border-color:var(--accent)}}
.card .icon{width:48px;height:48px;border-radius:12px;background:var(--sky);color:var(--accent-2);display:grid;place-items:center;margin-bottom:14px}.card .icon svg{width:24px;height:24px}
.card .price{font-weight:800;color:var(--navy);font-size:1.15rem}.card-link{font-weight:700;color:var(--accent-2)}
.step{counter-increment:s;position:relative;padding-left:62px}.step:before{content:counter(s);position:absolute;left:0;top:0;width:44px;height:44px;border-radius:50%;background:var(--accent);color:#fff;font-weight:800;display:grid;place-items:center;font-size:18px}
.steps{counter-reset:s}.check li{margin:6px 0}.check{list-style:none;padding:0}.check li:before{content:"✓";color:var(--success);font-weight:800;margin-right:8px}
.cta-band{background:linear-gradient(135deg,var(--accent),var(--accent-2));color:#fff;padding:52px 0;text-align:center}.cta-band h2{color:#fff}.cta-band .btn-light{color:var(--accent-2)}
.notice{background:var(--sky);border-left:4px solid var(--accent);padding:14px 18px;border-radius:8px;font-size:15px}
details.faq{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:10px}details.faq summary{padding:16px 20px;font-weight:700;cursor:pointer;color:var(--navy)}details.faq div{padding:0 20px 16px;color:var(--muted)}
.prose h2{margin-top:1.6em}.prose img{border-radius:10px}.prose ul{padding-left:20px}
/* forms */
.form-card{background:#fff;color:var(--ink);border-radius:16px;padding:28px;box-shadow:0 20px 50px rgba(0,0,0,.18)}.form-card h2,.form-card h3{color:var(--navy)}
.field{margin-bottom:14px}.field label{display:block;font-weight:700;font-size:14px;margin-bottom:5px;color:var(--navy)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}.form-grid .full{grid-column:1/-1}
input:not([type=checkbox]):not([type=radio]):not([type=hidden]):not([type=file]):not([type=submit]):not([type=button]):not([type=range]),select,textarea{width:100%;max-width:100%;padding:11px 13px;border:1.5px solid #c9d4e4;border-radius:9px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}
input[type=file]{width:100%;max-width:100%;padding:9px;border:1.5px dashed #c9d4e4;border-radius:9px;font:inherit;font-size:15px;background:#fff}
input:focus,select:focus,textarea:focus{border-color:var(--accent);outline:0;box-shadow:0 0 0 3px rgba(242,106,33,.18)}textarea{min-height:110px;resize:vertical}.check-row{display:flex;gap:8px;align-items:center}.check-row input{width:auto}
.alert{padding:13px 16px;border-radius:9px;margin-bottom:18px;font-weight:600}.alert.success{background:#e5f5ec;color:#0f5c37}.alert.error{background:#fdeceb;color:#8f2119}
.hp{position:absolute;left:-9999px;opacity:0}
/* tables / badges */
.table-wrap{overflow-x:auto;max-width:100%;-webkit-overflow-scrolling:touch;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}table{width:100%;border-collapse:collapse;font-size:14px}th{background:#f1f5fb;text-align:left;padding:11px 14px;font-size:12px;text-transform:uppercase;letter-spacing:.05em;color:var(--muted);white-space:nowrap}td{padding:11px 14px;border-top:1px solid var(--line);vertical-align:middle}tr:hover td{background:#fafcff}
.badge{display:inline-block;padding:3px 10px;border-radius:99px;font-size:12px;font-weight:700;white-space:nowrap}.badge.success{background:#e1f4ea;color:#0f5c37}.badge.warning{background:#fff1d6;color:#7a4e00}.badge.danger{background:#fde3e0;color:#912018}.badge.info{background:#e1ecfd;color:#134a9e}.badge.muted{background:#edf0f5;color:#4b5a70}
/* footer */
.footer{background:var(--navy);color:#b9c6dc;padding:56px 0 0;font-size:14.5px}.footer a{color:#dbe5f6}.footer a:hover{color:var(--accent)}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px}.footer-h{color:#fff;font-size:14px;margin:0 0 12px}.footer ul{list-style:none;padding:0;margin:0}.footer li{margin:7px 0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding:18px 0;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:13px}
.sticky-call{display:none}
/* account */
.acct{display:grid;grid-template-columns:230px 1fr;gap:28px;padding:40px 0}.side-nav{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:10px;align-self:start}.side-nav a{display:block;padding:11px 14px;border-radius:8px;font-weight:600;color:var(--ink)}.side-nav a:hover,.side-nav a[aria-current=page]{background:var(--sky);color:var(--accent-2)}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;margin-bottom:20px}.panel>h2,.panel>h3{margin-bottom:14px;font-size:1.1rem}

/* ===== grid children may shrink (stops wide tables / forms from stretching the page) ===== */
.grid>*,.hero-grid>*,.acct>*,.footer-grid>*{min-width:0}

/* ===== layout + text utilities (these replaced inline style="" attributes) ===== */
.grid-split{grid-template-columns:1.2fr .8fr}
.gap-md{gap:40px}.gap-lg{gap:48px}.items-start{align-items:start}.items-center{align-items:center}
.text-center{text-align:center}.text-right{text-align:right}
.fs-sm{font-size:14px}.fs-xs{font-size:13px}.mt-md{margin-top:14px}

/* ===== component helpers ===== */
.hero .kicker{color:#ffb27d}.kicker a{color:var(--accent)}
.form-card h1{font-size:1.8rem}.form-card h2{font-size:1.3rem}.hero .form-card h2{font-size:1.4rem}
.form-card-flat{box-shadow:var(--shadow);border:1px solid var(--line)}
.auth-card{margin:auto;max-width:520px;border:1px solid var(--line)}
.form-links{margin:16px 0 0}.form-note{font-size:12.5px;margin:10px 0 0}
.field-spaced{margin-top:12px}.textarea-sm{min-height:70px}.field .check-row{margin-bottom:8px}
input[type=checkbox],input[type=radio]{width:20px;height:20px;flex:none;accent-color:var(--accent)}
.card-text{font-size:14.5px}.section-cta{text-align:center;margin-top:28px}
.steps.grid{gap:26px}
.cta-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}.cta-band .btn-outline{color:#fff}
.faq-more{margin-top:24px}.cat-title{margin-top:10px}.cat-grid{margin-bottom:44px}
.fee-amount{font-size:1.8rem;font-weight:800;color:var(--navy)}
.prose hr{margin:32px 0;border:0;border-top:1px solid var(--line)}.prose{overflow-wrap:break-word}.prose table{display:block;overflow-x:auto}
.stat-grid{margin-bottom:20px}.stat-value{font-size:1.8rem}
.flash-wrap{padding-top:18px}
.footer .brand{color:#fff}.footer-about{margin-top:14px}

/* ===== responsive ===== */
@media(max-width:1000px){
  .grid-3,.grid-4,.footer-grid{grid-template-columns:repeat(2,1fr)}
  .acct{grid-template-columns:1fr;gap:18px;padding:28px 0}
  .side-nav{display:flex;gap:6px;overflow-x:auto;-webkit-overflow-scrolling:touch;padding:8px}
  .side-nav a{white-space:nowrap;flex:none}
}
@media(max-width:900px){
  .hero-grid,.grid-2,.grid-split{grid-template-columns:1fr}
  .hero-grid{gap:32px}.gap-lg,.gap-md{gap:32px}
  .topbar{display:none}.menu-btn{display:flex}
  .main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;padding:12px 16px 16px;flex-direction:column;align-items:stretch;gap:12px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);max-height:calc(100vh - 76px);max-height:calc(100dvh - 76px);overflow-y:auto;overscroll-behavior:contain}
  .main-nav.open{display:flex}
  .nav-links,.nav-actions{flex-direction:column;align-items:stretch;gap:2px}
  .main-nav a{padding:12px 8px}.main-nav a.btn{text-align:center}
}
@media(max-width:680px){
  .hero{padding:48px 0}.section{padding:48px 0}.page-hero{padding:40px 0}
  .grid-2,.grid-3,.grid-4,.footer-grid,.form-grid{grid-template-columns:1fr}
  .form-card{padding:22px}.card{padding:22px}
  .footer-bottom{flex-direction:column}
  .sticky-call{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:55;background:var(--accent);color:#fff;justify-content:center;gap:8px;padding:14px;font-weight:800}
  .sticky-call:hover{color:#fff}.sticky-call svg{width:18px;height:18px}
  body:not(.admin){padding-bottom:56px}
}
@media(max-width:480px){
  .nav{gap:12px;min-height:68px}.main-nav{max-height:calc(100vh - 68px);max-height:calc(100dvh - 68px)}
  .brand{font-size:15px}.brand svg{width:34px;height:34px}.brand small{font-size:10px;letter-spacing:.04em}
  .hero-cta .btn,.cta-actions .btn{flex:1 1 100%}
}
@media(pointer:coarse){.btn-sm{padding:10px 14px}input[type=checkbox],input[type=radio]{width:22px;height:22px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}