/* ==========================================================================
   MOOVON SpreadPay™ - Next-Gen Modern Design System & Stylesheet
   Uniform Header, Big Brand Logo, Clean Vector Icons, No Yellow Gradients
   ========================================================================== */

:root {
  /* Brand Core Colors */
  --primary-navy: #1B5BAA;
  --primary-navy-dark: #113B6E;
  --primary-navy-light: #2274D8;
  --primary-navy-soft: #EEF4FC;
  --accent-red: #CC1E41;
  --accent-red-hover: #A41934;
  --accent-red-soft: #FDEBEF;
  /* Third-party mark only. Per the brand rules green is not part of Moovon's
     palette - use these solely on an actual WhatsApp logo glyph. */
  --whatsapp-green: #25D366;
  --whatsapp-green-dark: #1EBE5D;
  --whatsapp-green-soft: #E8FBF0;

  /* Neutrals & Surfaces */
  --bg-page: #F8FAFC;
  --bg-surface: #FFFFFF;
  --bg-surface-glass: rgba(255, 255, 255, 0.92);
  --bg-surface-dark: #07203F;
  --text-main: #0F172A;
  --text-muted: #475569;
  --text-sub: #64748B;
  --text-light: #94A3B8;
  --border-subtle: #E2E8F0;
  --border-medium: #CBD5E1;
  --border-glass: rgba(255, 255, 255, 0.2);

  /* Shadows & Elevations */
  --shadow-xs: 0 1px 3px rgba(17, 59, 110, 0.04);
  --shadow-sm: 0 2px 8px rgba(17, 59, 110, 0.06);
  --shadow-md: 0 8px 24px rgba(17, 59, 110, 0.08);
  --shadow-lg: 0 16px 36px rgba(17, 59, 110, 0.12);
  --shadow-xl: 0 24px 50px rgba(17, 59, 110, 0.16);
  --shadow-glow-red: 0 8px 25px rgba(204, 30, 65, 0.25);
  --shadow-glow-blue: 0 10px 30px rgba(17, 59, 110, 0.2);
  --shadow-glow-green: 0 8px 25px rgba(37, 211, 102, 0.3);

  /* Typography */
  --font-heading: 'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
  --font-body: 'Inter', system-ui, -apple-system, sans-serif;

  /* Radius */
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-full: 9999px;

  /* Transitions */
  --transition-smooth: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  --transition-spring: all 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  background-color: var(--bg-page);
  color: var(--text-main);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  position: relative;
}

/* Ambient Background Grid Pattern */
body::before {
  content: '';
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  background-image: radial-gradient(rgba(17, 59, 110, 0.04) 1.2px, transparent 1.2px);
  background-size: 32px 32px;
  pointer-events: none;
  z-index: -1;
}

a {
  color: inherit;
  text-decoration: none;
}

img, svg {
  display: block;
  max-width: 100%;
}

button, input, select, textarea {
  font: inherit;
}

.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

/* ==========================================================================
   Header & Sticky Glassmorphic Navigation (Uniform Across All Pages)
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--bg-surface-glass);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(226, 232, 240, 0.9);
  box-shadow: 0 4px 20px rgba(17, 59, 110, 0.03);
  transition: var(--transition-smooth);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px; /* Spacious, comfortable header */
}

/* Big, prominent brand logo group matching screenshot */
.brand-logo-group {
  display: flex;
  flex-direction: column;
  text-decoration: none;
  transition: transform 0.2s ease;
}

.brand-logo-group:hover {
  transform: translateY(-1px);
}

.brand-logo-svg {
  height: 40px; /* Big & Crisp */
  width: auto;
}

/* The supplied wordmark carries a descending chevron, so only ~60% of the
   image height is the lettering. Sized so the letters read at roughly the
   same weight as the drawn mark they replaced. */
.brand-logo-img {
  height: 48px;
  width: auto;
  display: block;
}

.brand-logo-drawer {
  height: 40px;
}

.brand-tagline {
  font-size: 11px;
  font-weight: 600;
  color: var(--text-muted);
  letter-spacing: 0.2px;
  margin-top: 1px;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 12px;
  list-style: none;
}

.nav-menu li {
  position: relative;
}

.nav-link {
  font-size: 15px;
  font-weight: 600;
  color: #1E293B;
  display: flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition-smooth);
}

.nav-link:hover, .nav-link.active {
  color: var(--accent-red);
  background-color: var(--accent-red-soft);
}

/* Active Contact Pill matching exact reference image */
.nav-link.nav-contact-active {
  background: #FDEBEF;
  color: #CC1E41;
  padding: 7px 18px;
  border-radius: var(--radius-sm);
  font-weight: 700;
}

.dropdown-arrow {
  width: 14px;
  height: 14px;
  transition: transform 0.25s ease;
}

.nav-item-has-dropdown:hover .dropdown-arrow {
  transform: rotate(180deg);
}

/* Polished Glass Dropdown Menu */
.dropdown-menu {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  width: 290px;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 10px;
  box-shadow: var(--shadow-xl);
  opacity: 0;
  visibility: hidden;
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  z-index: 1100;
}

.nav-item-has-dropdown:hover .dropdown-menu,
.nav-item-has-dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

[id] {
  scroll-margin-top: 100px;
}

.dropdown-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 10px 12px;
  border-radius: var(--radius-md);
  text-decoration: none;
  transition: var(--transition-smooth);
}

.dropdown-item:hover {
  background: var(--primary-navy-soft);
  transform: translateX(3px);
}

.dropdown-icon-box {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  box-shadow: var(--shadow-xs);
  flex-shrink: 0;
  color: var(--primary-navy);
}

.dropdown-item:hover .dropdown-icon-box {
  background: var(--primary-navy);
  color: #FFFFFF;
  border-color: var(--primary-navy);
}

.dropdown-title {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--primary-navy);
  margin-bottom: 2px;
}

.dropdown-desc {
  font-size: 11.5px;
  color: var(--text-muted);
  line-height: 1.35;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

/* Header Action Buttons */
.btn-signin {
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 700;
  color: var(--primary-navy);
  background: #FFFFFF;
  border: 1.5px solid rgba(17, 59, 110, 0.2);
  padding: 9px 20px;
  border-radius: var(--radius-full);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  transition: all 0.22s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: 0 1px 3px rgba(17, 59, 110, 0.05);
}

.btn-signin:hover {
  border-color: var(--primary-navy);
  background: var(--primary-navy);
  color: #FFFFFF;
  transform: translateY(-2px);
  box-shadow: 0 6px 18px rgba(17, 59, 110, 0.18);
}

.btn-find-partner {
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 700;
  color: #FFFFFF;
  background: var(--accent-red);
  border: 1.5px solid var(--accent-red);
  padding: 9px 22px;
  border-radius: var(--radius-full);
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  transition: all 0.22s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: 0 4px 14px rgba(204, 30, 65, 0.3);
}

.btn-find-partner:hover {
  background: var(--accent-red-hover);
  border-color: var(--accent-red-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 22px rgba(204, 30, 65, 0.4);
}

/* Mobile Menu Button */
.mobile-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--border-subtle);
  padding: 8px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  color: var(--primary-navy);
}

/* ==========================================================================
   General Buttons
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 700;
  padding: 11px 22px;
  border-radius: var(--radius-full);
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: var(--transition-spring);
  white-space: nowrap;
}

.btn-primary {
  background: var(--accent-red);
  color: #FFFFFF;
  box-shadow: var(--shadow-glow-red);
}

.btn-primary:hover {
  background: var(--accent-red-hover);
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(204, 30, 65, 0.35);
}

.btn-navy {
  background: var(--primary-navy);
  color: #FFFFFF;
  border: 1.5px solid var(--primary-navy);
  box-shadow: 0 4px 14px rgba(17, 59, 110, 0.22);
}

.btn-navy:hover {
  background: var(--primary-navy-light);
  border-color: var(--primary-navy-light);
  transform: translateY(-2px);
  box-shadow: 0 10px 24px rgba(17, 59, 110, 0.32);
}

.btn-outline {
  background: #FFFFFF;
  color: var(--primary-navy);
  border: 1.5px solid var(--border-subtle);
  box-shadow: var(--shadow-xs);
}

.btn-outline:hover {
  border-color: var(--primary-navy);
  background: var(--primary-navy-soft);
  transform: translateY(-2px);
}

.btn-sm {
  padding: 8px 16px;
  font-size: 12.5px;
}

/* R8: navy/red/white only. WhatsApp green survives on the logo glyph itself
   (a third-party mark), not on Moovon's own buttons. */
.btn-whatsapp {
  background: var(--primary-navy);
  color: #FFFFFF;
  box-shadow: var(--shadow-glow-blue);
}

.btn-whatsapp:hover {
  background: var(--primary-navy-dark);
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(17, 59, 110, 0.32);
}

/* ==========================================================================
   Page Hero Banners (Clean Brand Navy & Red, NO Yellow Gradients)
   ========================================================================== */
.page-hero {
  background: linear-gradient(135deg, #051A33 0%, var(--primary-navy) 60%, #154F96 100%);
  color: #FFFFFF;
  padding: 68px 0 60px;
  position: relative;
  overflow: hidden;
  text-align: center;
}

.page-hero::before {
  content: '';
  position: absolute;
  top: -40%;
  left: 50%;
  transform: translateX(-50%);
  width: 800px;
  height: 400px;
  background: radial-gradient(circle, rgba(204, 30, 65, 0.18) 0%, rgba(17, 59, 110, 0) 70%);
  pointer-events: none;
}

.page-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.08) 1px, transparent 1px);
  background-size: 24px 24px;
  pointer-events: none;
}

.page-hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.25);
  backdrop-filter: blur(10px);
  padding: 6px 16px;
  border-radius: var(--radius-full);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.4px;
  color: #FFFFFF;
  margin-bottom: 20px;
  animation: float 4s ease-in-out infinite;
}

.page-hero-title {
  font-family: var(--font-heading);
  font-size: 42px;
  font-weight: 900;
  line-height: 1.15;
  letter-spacing: -0.8px;
  margin-bottom: 14px;
}

.page-hero-title span {
  color: #FF6B89;
}

.page-hero-subtitle {
  font-size: 17px;
  color: rgba(255, 255, 255, 0.88);
  max-width: 680px;
  margin: 0 auto;
  line-height: 1.6;
}

/* ==========================================================================
   Billboard Hero Section (Live Flyer Re-creation)
   Real HTML text + CTAs overlaid on the layered artwork. All overlay
   dimensions use cqi units so type scales in exact proportion to the
   854x436 reference artwork at any container width.
   ========================================================================== */
.billboard-hero-section {
  background: #F4F7FB;
  padding: 16px 0 0;
  position: relative;
  overflow: hidden;
}

.billboard-hero-container {
  max-width: 1400px;
  margin: 0 auto;
  padding: 0 16px;
}

.billboard-live-wrapper {
  position: relative;
  container-type: inline-size;
  width: 100%;
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 10px 36px rgba(17, 59, 110, 0.08);
  border: 1px solid rgba(17, 59, 110, 0.06);
  background: linear-gradient(168deg, #FDFEFF 0%, #EDF3FB 48%, #DCE9F6 100%);
}

.billboard-art-frame {
  position: relative;
  aspect-ratio: 1708 / 872;
}

.billboard-art-frame picture {
  display: block;
  height: 100%;
}

.billboard-live-art {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
}

/* Live speech bubble (crisp HTML text, replaces the baked-in raster bubble) */
.billboard-bubble {
  position: absolute;
  top: 9cqi;
  right: 5.1cqi;
  width: clamp(104px, 11.6cqi, 210px);
  padding: clamp(7px, 1cqi, 17px) clamp(8px, 1.1cqi, 19px);
  background: #FFFFFF;
  border-radius: clamp(8px, 1cqi, 16px);
  font-size: clamp(10px, 1.06cqi, 18px);
  line-height: 1.42;
  font-weight: 500;
  color: var(--primary-navy);
  filter: drop-shadow(0 4px 12px rgba(17, 59, 110, 0.16));
  transform-origin: 60% 100%;
  animation: bubblePop 0.5s cubic-bezier(0.34, 1.56, 0.64, 1) 0.85s both;
  z-index: 2;
}

.billboard-bubble strong {
  color: var(--accent-red);
  font-weight: 700;
}

.billboard-bubble::after {
  content: '';
  position: absolute;
  bottom: calc(clamp(9px, 1.5cqi, 22px) * -0.42);
  left: 56%;
  width: clamp(9px, 1.5cqi, 22px);
  height: clamp(9px, 1.5cqi, 22px);
  background: #FFFFFF;
  transform: rotate(45deg);
}

@keyframes bubblePop {
  from {
    opacity: 0;
    transform: scale(0.7) translateY(8px);
  }
  to {
    opacity: 1;
    transform: scale(1) translateY(0);
  }
}

/* Pixel fallbacks (~1240px card) for browsers without container-query units */
@supports not (width: 1cqi) {
  .billboard-live-content { padding: 55px 62px 0 58px; }
  .billboard-headline { font-size: 78px; }
  .billboard-protected-badge { margin-top: 30px; gap: 11px; font-size: 19px; }
  .billboard-shield-icon svg { width: 26px; height: 26px; }
  .billboard-sub { margin-top: 19px; font-size: 21px; }
  .billboard-cta-row { gap: 24px; margin-top: 33px; }
  .btn-billboard-primary,
  .btn-billboard-secondary { gap: 12px; font-size: 18px; padding: 15px 26px; border-radius: 12px; }
  .btn-billboard-secondary { padding: 13.5px 26px; }
  .btn-billboard-primary { box-shadow: 0 8px 24px rgba(17, 59, 110, 0.28); }
  .btn-billboard-primary svg { width: 19px; height: 19px; }
  .billboard-play-icon { width: 28px; height: 28px; }
  .billboard-bubble { top: 112px; right: 63px; width: 144px; padding: 12px 14px; border-radius: 12px; font-size: 13px; }
  .billboard-bubble::after { width: 18px; height: 18px; bottom: -7px; }

  /* Smaller cards in overlay mode: shrink the stack so it fits the artwork height */
  @media (max-width: 1150px) {
    .billboard-live-content { padding: 38px 44px 0 40px; }
    .billboard-headline { font-size: 52px; }
    .billboard-protected-badge { margin-top: 20px; gap: 8px; font-size: 14px; }
    .billboard-shield-icon svg { width: 20px; height: 20px; }
    .billboard-sub { margin-top: 13px; font-size: 16px; }
    .billboard-cta-row { gap: 15px; margin-top: 22px; }
    .btn-billboard-primary,
    .btn-billboard-secondary { gap: 9px; font-size: 13px; padding: 12px 18px; border-radius: 10px; }
    .btn-billboard-secondary { padding: 10.5px 18px; }
    .btn-billboard-primary svg { width: 15px; height: 15px; }
    .billboard-play-icon { width: 22px; height: 22px; }
    .billboard-bubble { top: 84px; right: 40px; width: 126px; padding: 9px 11px; border-radius: 10px; font-size: 11px; }
    .billboard-bubble::after { width: 14px; height: 14px; bottom: -5px; }
  }
}

/* Soft white scrim over the cloud zone so live text stays crisp */
.billboard-live-wrapper::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(100deg, rgba(255, 255, 255, 0.55) 0%, rgba(255, 255, 255, 0.28) 30%, rgba(255, 255, 255, 0) 52%);
  pointer-events: none;
  z-index: 1;
}

.billboard-live-content {
  position: absolute;
  inset: 0;
  z-index: 2;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  padding: 4.4cqi 5cqi 0 4.7cqi;
}

.billboard-headline {
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: clamp(34px, 6.55cqi, 96px);
  line-height: 1.04;
  letter-spacing: -0.022em;
  color: var(--primary-navy-dark);
  animation: billboardRise 0.7s cubic-bezier(0.16, 1, 0.3, 1) 0.05s both;
}

.billboard-headline-accent {
  color: var(--accent-red);
}

.billboard-protected-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.9cqi;
  margin-top: 2.4cqi;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: clamp(11px, 1.64cqi, 24px);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--primary-navy);
  animation: billboardRise 0.7s cubic-bezier(0.16, 1, 0.3, 1) 0.16s both;
}

.billboard-shield-icon {
  display: inline-flex;
  color: var(--accent-red);
}

.billboard-shield-icon svg {
  width: clamp(15px, 2.15cqi, 31px);
  height: clamp(15px, 2.15cqi, 31px);
}

.billboard-sub {
  margin-top: 1.5cqi;
  font-size: clamp(12px, 1.8cqi, 26px);
  line-height: 1.5;
  font-weight: 500;
  color: var(--primary-navy);
  animation: billboardRise 0.7s cubic-bezier(0.16, 1, 0.3, 1) 0.27s both;
}

.billboard-sub strong {
  color: var(--accent-red-hover);
  font-weight: 700;
}

.billboard-cta-row {
  display: flex;
  align-items: center;
  gap: 1.9cqi;
  margin-top: 2.7cqi;
  animation: billboardRise 0.7s cubic-bezier(0.16, 1, 0.3, 1) 0.38s both;
}

.btn-billboard-primary {
  display: inline-flex;
  align-items: center;
  gap: 1cqi;
  background: var(--primary-navy);
  color: #FFFFFF;
  border: none;
  cursor: pointer;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: clamp(11px, 1.5cqi, 21px);
  padding: clamp(13px, 1.25cqi, 18px) clamp(18px, 2.1cqi, 30px);
  border-radius: clamp(6px, 0.95cqi, 14px);
  box-shadow: 0 0.7cqi 2cqi rgba(17, 59, 110, 0.28);
  transition: var(--transition-smooth);
}

.btn-billboard-primary svg {
  width: clamp(12px, 1.6cqi, 23px);
  height: clamp(12px, 1.6cqi, 23px);
}

.btn-billboard-primary:hover {
  background: var(--primary-navy-light);
  transform: translateY(-2px);
  box-shadow: 0 1cqi 2.6cqi rgba(17, 59, 110, 0.36);
}

.btn-billboard-secondary {
  display: inline-flex;
  align-items: center;
  gap: 1cqi;
  background: rgba(255, 255, 255, 0.92);
  color: var(--primary-navy);
  border: 1.5px solid rgba(17, 59, 110, 0.28);
  cursor: pointer;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: clamp(11px, 1.5cqi, 21px);
  padding: calc(clamp(13px, 1.25cqi, 18px) - 1.5px) clamp(18px, 2.1cqi, 30px);
  border-radius: clamp(6px, 0.95cqi, 14px);
  transition: var(--transition-smooth);
}

.btn-billboard-secondary:hover {
  border-color: var(--primary-navy);
  background: #FFFFFF;
  transform: translateY(-2px);
  box-shadow: 0 0.7cqi 2cqi rgba(17, 59, 110, 0.14);
}

.billboard-play-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: clamp(16px, 2.3cqi, 33px);
  height: clamp(16px, 2.3cqi, 33px);
  border: 1.5px solid currentColor;
  border-radius: 50%;
}

.billboard-play-icon svg {
  width: 72%;
  height: 72%;
}

@keyframes billboardRise {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (prefers-reduced-motion: reduce) {
  .billboard-headline,
  .billboard-protected-badge,
  .billboard-sub,
  .billboard-cta-row,
  .billboard-bubble {
    animation: none;
  }
}

/* Mobile: stack live text above the artwork instead of overlaying it */
@media (max-width: 820px) {
  .billboard-live-wrapper::before {
    display: none;
  }

  .billboard-live-content {
    position: static;
    align-items: center;
    text-align: center;
    padding: 28px 16px 8px;
  }

  .billboard-headline {
    font-size: clamp(48px, 13vw, 70px);
    line-height: 1.01;
    letter-spacing: -1.2px;
  }

  .billboard-protected-badge {
    margin-top: 16px;
    gap: 7px;
    font-size: 12px;
  }

  .billboard-shield-icon svg {
    width: 17px;
    height: 17px;
  }

  .billboard-sub {
    margin-top: 10px;
    font-size: 15px;
  }

  .billboard-cta-row {
    margin-top: 20px;
    gap: 12px;
    flex-wrap: wrap;
    justify-content: center;
  }

  .btn-billboard-primary,
  .btn-billboard-secondary {
    gap: 8px;
    font-size: 13.5px;
    padding: 12px 20px;
    border-radius: 10px;
  }

  .btn-billboard-secondary {
    padding: calc(12px - 1.5px) 20px;
  }

  .btn-billboard-primary {
    box-shadow: 0 6px 16px rgba(17, 59, 110, 0.28);
  }

  .btn-billboard-primary svg {
    width: 15px;
    height: 15px;
  }

  .billboard-play-icon {
    width: 20px;
    height: 20px;
  }

  /* Anchor the bubble in the clean upper-left sky of the stacked artwork */
  .billboard-bubble {
    top: 6%;
    left: 4.5%;
    right: auto;
    width: auto;
    max-width: 46%;
    padding: 8px 11px;
    border-radius: 10px;
    font-size: 11px;
    line-height: 1.45;
  }

  .billboard-bubble::after {
    left: 68%;
    width: 12px;
    height: 12px;
    bottom: -5px;
  }
}

@media (max-width: 600px) {
  .billboard-cta-row {
    flex-direction: column;
    width: 100%;
  }

  .btn-billboard-primary,
  .btn-billboard-secondary {
    width: 100%;
    justify-content: center;
  }
}

/* Very narrow phones: let the hero copy wrap naturally instead of forcing breaks */
@media (max-width: 380px) {
  .billboard-headline br,
  .billboard-sub br {
    display: none;
  }
}

/* Trusted Partners Strip Below Hero - Infinite Smooth Marquee */
.hero-partners-ribbon {
  position: relative;
  z-index: 3;
  background: #FFFFFF;
  border-bottom: 1px solid var(--border-subtle);
  padding: 16px 0;
  box-shadow: 0 4px 16px rgba(0, 0, 0, 0.02);
  overflow: hidden;
}

/* Subtle gradient fade on left and right edges */
.hero-partners-ribbon::before,
.hero-partners-ribbon::after {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  width: 90px;
  z-index: 2;
  pointer-events: none;
}

.hero-partners-ribbon::before {
  left: 0;
  background: linear-gradient(90deg, #FFFFFF 0%, rgba(255, 255, 255, 0) 100%);
}

.hero-partners-ribbon::after {
  right: 0;
  background: linear-gradient(270deg, #FFFFFF 0%, rgba(255, 255, 255, 0) 100%);
}

.ribbon-logos-track {
  display: flex;
  width: 100%;
  overflow: hidden;
  user-select: none;
}

.ribbon-logos-slide {
  display: flex;
  align-items: center;
  gap: 56px;
  padding-right: 56px;
  flex-shrink: 0;
  animation: smoothMarquee 32s linear infinite;
  will-change: transform;
}

.ribbon-logos-track:hover .ribbon-logos-slide {
  animation-play-state: paused;
}

.ribbon-logos-slide img {
  height: 30px;
  width: auto;
  max-width: 140px;
  object-fit: contain;
  filter: grayscale(100%);
  opacity: 0.72;
  transition: filter 0.25s ease, opacity 0.25s ease, transform 0.25s ease;
  flex-shrink: 0;
  cursor: pointer;
}

.ribbon-logos-slide img:hover {
  filter: grayscale(0%);
  opacity: 1;
  transform: scale(1.08);
}

@keyframes smoothMarquee {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-100%);
  }
}

/* Floating Stat Pill on Hero */
.hero-floating-stat {
  position: absolute;
  bottom: -16px;
  left: -16px;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 14px 20px;
  box-shadow: var(--shadow-lg);
  color: var(--primary-navy);
  display: flex;
  align-items: center;
  gap: 14px;
  animation: float 5s ease-in-out infinite;
}

.hero-floating-stat strong {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 900;
  color: var(--accent-red);
  display: block;
}

.hero-floating-stat span {
  font-size: 11.5px;
  color: var(--text-muted);
  font-weight: 600;
}

/* ==========================================================================
   Section Headers & Common Utilities
   ========================================================================== */
.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 52px;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--accent-red);
  background: var(--accent-red-soft);
  padding: 5px 14px;
  border-radius: var(--radius-full);
  margin-bottom: 12px;
}

.section-title {
  font-family: var(--font-heading);
  font-size: 36px;
  font-weight: 900;
  color: var(--primary-navy);
  letter-spacing: -0.6px;
  line-height: 1.2;
  margin-bottom: 12px;
}

.section-subtitle {
  font-size: 16px;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ==========================================================================
   5-Step Automated Journey (how-it-works.html & index.html)
   ========================================================================== */
.hiw-section {
  padding: 80px 0;
  background: #FFFFFF;
}

/* Reflows on its own rather than holding 5-across down to 1024px, where the
   cards fell to ~180px wide with barely 140px of text. 200px is the narrowest
   a card reads comfortably, so columns drop out before that point. */
.hiw-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
  position: relative;
}

.hiw-card {
  background: var(--bg-page);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 28px 20px;
  position: relative;
  transition: var(--transition-spring);
  display: flex;
  flex-direction: column;
}

.hiw-card:hover {
  background: #FFFFFF;
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(17, 59, 110, 0.2);
}

.hiw-card.highlight-step {
  background: linear-gradient(145deg, var(--primary-navy) 0%, #133388 100%);
  color: #FFFFFF;
  border-color: var(--primary-navy);
  box-shadow: var(--shadow-glow-blue);
}

.hiw-number {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: var(--primary-navy);
  color: #FFFFFF;
  font-family: var(--font-heading);
  font-weight: 900;
  font-size: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  box-shadow: var(--shadow-xs);
}

.hiw-card.highlight-step .hiw-number {
  background: var(--accent-red);
  box-shadow: var(--shadow-glow-red);
}

.hiw-card-title {
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 800;
  margin-bottom: 10px;
  color: var(--primary-navy);
}

.hiw-card.highlight-step .hiw-card-title {
  color: #FFFFFF;
}

.hiw-card-desc {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.5;
}

.hiw-card.highlight-step .hiw-card-desc {
  color: rgba(255, 255, 255, 0.88);
}

/* ==========================================================================
   Interactive Live Repayment Calculator (products.html & teaser)
   ========================================================================== */
.calc-section {
  padding: 80px 0;
  position: relative;
}

.calc-card-wrapper {
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  padding: 44px;
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 44px;
  align-items: center;
  position: relative;
  overflow: hidden;
}

.calc-card-wrapper::before {
  content: '';
  position: absolute;
  top: 0;
  right: 0;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(17, 59, 110, 0.04) 0%, transparent 70%);
  pointer-events: none;
}

.calc-input-group label {
  font-family: var(--font-heading);
  font-size: 14.5px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 10px;
  display: block;
}

.calc-input-box {
  display: flex;
  align-items: center;
  background: var(--bg-page);
  border: 2px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 6px 18px;
  transition: var(--transition-smooth);
}

.calc-input-box:focus-within {
  border-color: var(--primary-navy);
  background: #FFFFFF;
  box-shadow: 0 0 0 4px rgba(17, 59, 110, 0.08);
}

.calc-currency-prefix {
  font-family: var(--font-heading);
  font-size: 22px;
  font-weight: 900;
  color: var(--primary-navy);
  margin-right: 10px;
}

.calc-amount-input {
  border: none;
  background: transparent;
  font-family: var(--font-heading);
  font-size: 28px;
  font-weight: 900;
  color: var(--primary-navy);
  width: 100%;
  outline: none;
}

/* Slider Controls */
.calc-range-slider {
  width: 100%;
  height: 8px;
  border-radius: 4px;
  background: var(--border-subtle);
  outline: none;
  margin: 18px 0 24px;
  -webkit-appearance: none;
  appearance: none;
}

.calc-range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--accent-red);
  cursor: pointer;
  box-shadow: var(--shadow-glow-red);
  border: 2px solid #FFFFFF;
  transition: transform 0.15s ease;
}

.calc-range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}

.calc-presets-row {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.calc-preset-btn {
  background: var(--bg-page);
  border: 1px solid var(--border-subtle);
  padding: 8px 14px;
  border-radius: var(--radius-full);
  font-size: 12.5px;
  font-weight: 700;
  color: var(--text-muted);
  cursor: pointer;
  transition: var(--transition-smooth);
}

.calc-preset-btn:hover, .calc-preset-btn.active {
  background: var(--primary-navy);
  color: #FFFFFF;
  border-color: var(--primary-navy);
  box-shadow: var(--shadow-xs);
}

/* Result Box */
.calc-result-box {
  background: linear-gradient(145deg, #F8FAFC 0%, #EEF2F6 100%);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 32px;
  position: relative;
}

.calc-tier-badge {
  display: inline-block;
  padding: 6px 14px;
  border-radius: var(--radius-full);
  font-size: 12.5px;
  font-weight: 800;
  margin-bottom: 12px;
  text-transform: uppercase;
  letter-spacing: 0.4px;
  color: var(--primary-navy);
  background: var(--primary-navy-soft);
}

/* Tier colours live here rather than as inline styles written by the
   calculator, which previously injected an off-palette purple. */
.calc-tier-badge[data-tier="essential"] {
  color: var(--primary-navy);
  background: var(--primary-navy-soft);
}

.calc-tier-badge[data-tier="flex"] {
  color: var(--accent-red-hover);
  background: var(--accent-red-soft);
}

.calc-tier-badge[data-tier="fixed"] {
  color: var(--primary-navy-dark);
  background: #E2E8F0;
}

.calc-tier-badge[data-tier="none"] {
  color: var(--text-muted);
  background: var(--border-subtle);
}

.calc-breakdown-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin: 22px 0 26px;
}

.calc-stat-item {
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 14px 16px;
}

.calc-stat-item small {
  display: block;
  font-size: 11px;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--text-light);
  letter-spacing: 0.5px;
  margin-bottom: 4px;
}

.calc-stat-item strong {
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 900;
  color: var(--primary-navy);
}

/* ==========================================================================
   3 Products Showcase Grid (products.html & index.html)
   ========================================================================== */
.products-overview-section {
  padding: 80px 0;
  background: var(--bg-page);
}

.products-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  align-items: stretch;
}

.product-tier-card {
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: 36px 30px;
  box-shadow: var(--shadow-md);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  position: relative;
  transition: var(--transition-spring);
}

.product-tier-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(17, 59, 110, 0.25);
}

.product-tier-card.featured-tier {
  border: 2px solid var(--primary-navy);
  box-shadow: var(--shadow-md);
}

.tier-popular-tag {
  position: absolute;
  top: -14px;
  right: 28px;
  background: var(--accent-red);
  color: #FFFFFF;
  font-family: var(--font-heading);
  font-size: 11.5px;
  font-weight: 800;
  padding: 4px 14px;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-xs);
  letter-spacing: 0.5px;
  text-transform: uppercase;
}

.tier-header {
  margin-bottom: 24px;
}

.tier-name {
  font-family: var(--font-heading);
  font-size: 26px;
  font-weight: 900;
  color: var(--primary-navy);
  margin-bottom: 6px;
}

.tier-range {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  color: var(--accent-red);
  margin-bottom: 10px;
}

.tier-desc {
  font-size: 13.5px;
  color: var(--text-muted);
  line-height: 1.5;
}

.tier-specs-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 24px 0 32px;
}

.tier-spec-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 13px;
  padding-bottom: 10px;
  border-bottom: 1px dashed var(--border-subtle);
}

.tier-spec-label {
  color: var(--text-muted);
  font-weight: 500;
}

.tier-spec-value {
  font-weight: 800;
  color: var(--primary-navy);
  text-align: right;
}

/* ==========================================================================
   Partners Directory & Search Filter (partners.html)
   ========================================================================== */
.partner-filters-bar {
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: 20px 24px;
  box-shadow: var(--shadow-md);
  margin-bottom: 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
}

.partner-search-field {
  flex: 1;
  min-width: 280px;
  background: var(--bg-page);
  border: 1.5px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 12px 18px;
  font-size: 14px;
  outline: none;
  transition: var(--transition-smooth);
}

.partner-search-field:focus {
  border-color: var(--primary-navy);
  background: #FFFFFF;
  box-shadow: 0 0 0 3px rgba(17, 59, 110, 0.08);
}

.partner-category-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}

.partner-cat-tab {
  background: var(--bg-page);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-full);
  padding: 8px 16px;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--text-muted);
  cursor: pointer;
  transition: var(--transition-smooth);
}

.partner-cat-tab:hover, .partner-cat-tab.active {
  background: var(--primary-navy);
  color: #FFFFFF;
  border-color: var(--primary-navy);
}

.partners-directory-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.partner-dir-card {
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: var(--transition-spring);
}

.partner-dir-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(17, 59, 110, 0.2);
}

.partner-dir-top {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 16px;
}

.partner-dir-logo {
  width: 58px;
  height: 58px;
  object-fit: contain;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 6px;
  background: #FFFFFF;
  box-shadow: var(--shadow-xs);
}

.partner-dir-name {
  font-family: var(--font-heading);
  font-size: 16.5px;
  font-weight: 800;
  color: var(--primary-navy);
}

.partner-dir-sub {
  font-size: 11.5px;
  font-weight: 600;
  color: var(--text-light);
  display: block;
}

.partner-dir-badges {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-bottom: 16px;
}

.policy-badge-pill {
  background: var(--primary-navy-soft);
  color: var(--primary-navy);
  font-size: 11px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: var(--radius-full);
}

/* ==========================================================================
   Operations Guide Tables & Cards (for-partners.html)
   ========================================================================== */
.ops-guide-grid {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 32px;
  align-items: start;
}

/* Grid items default to min-width:auto, so wide children (tables, nowrap rows)
   inflate the track past the viewport — and body{overflow-x:hidden} then clips
   it instead of scrolling. min-width:0 lets the track shrink normally. */
.ops-guide-grid > *,
.faq-categories-grid > *,
.contact-grid > *,
.hiw-grid > *,
.products-grid-3 > *,
.partners-directory-grid > * {
  min-width: 0;
}

/* Same rule for flex children whose content otherwise sets a hard floor. */
.calc-card-wrapper > *,
.calc-input-panel,
.calc-input-group,
.calc-preset-btn,
.calc-input-box > *,
.partner-modal-item > div {
  min-width: 0;
}

/* A bare number input carries an intrinsic ~230px width; on a 320px screen
   that alone pushes the calculator card past the viewport. */
.calc-amount-input {
  width: 100%;
  min-width: 0;
}

.partner-search-field {
  min-width: min(280px, 100%);
}

.ops-card {
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-md);
  margin-bottom: 28px;
}

.ops-card-title {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 900;
  color: var(--primary-navy);
  margin-bottom: 14px;
}

/* Global (not breakpoint-scoped): reference tables scroll inside their own
   container at any width so the page body never scrolls sideways. */
.table-responsive {
  width: 100%;
  max-width: 100%;
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border-radius: var(--radius-md);
}

.table-responsive:focus-visible {
  outline: 3px solid rgba(17, 59, 110, 0.45);
  outline-offset: 2px;
}

.table-responsive .ops-table {
  min-width: 560px;
  margin: 0;
}

.table-responsive + .table-scroll-hint {
  display: none;
  font-size: 12px;
  color: var(--text-sub);
  margin: 6px 0 16px;
}

@media (max-width: 700px) {
  .table-responsive + .table-scroll-hint {
    display: block;
  }
}

.ops-table {
  width: 100%;
  border-collapse: separate;
  border-spacing: 0;
  margin: 16px 0;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  overflow: hidden;
}

.ops-table th {
  background: var(--primary-navy);
  color: #FFFFFF;
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 800;
  text-align: left;
  padding: 14px 18px;
  letter-spacing: 0.3px;
}

.ops-table td {
  padding: 14px 18px;
  font-size: 13.5px;
  border-bottom: 1px solid var(--border-subtle);
  color: var(--text-main);
}

.ops-table tr:last-child td {
  border-bottom: none;
}

.ops-table tr:nth-child(even) {
  background-color: var(--bg-page);
}

.alert-box-info {
  background: var(--primary-navy-soft);
  border-left: 4px solid var(--primary-navy);
  padding: 14px 18px;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-size: 13px;
  color: var(--primary-navy);
  margin: 16px 0;
}

.alert-box-warning {
  background: var(--accent-red-soft);
  border-left: 4px solid var(--accent-red);
  padding: 14px 18px;
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  font-size: 13px;
  color: #9B0F24;
  margin: 16px 0;
}

.ops-sidebar-card {
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: 28px;
  box-shadow: var(--shadow-lg);
  position: sticky;
  top: 100px;
}

/* ==========================================================================
   FAQ Accordions (faqs.html)
   ========================================================================== */
.faq-section {
  padding: 80px 0;
}

.faq-categories-grid {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 40px;
  align-items: start;
}

.faq-cat-nav {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
  position: relative;
  z-index: 2;
}

.faq-cat-link {
  display: flex;
  align-items: center;
  gap: 8px;
  width: 100%;
  padding: 12px 18px;
  border-radius: var(--radius-md);
  font-weight: 700;
  font-size: 14px;
  color: var(--text-muted);
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  transition: var(--transition-smooth);
  cursor: pointer;
  text-align: left;
}

.faq-cat-link:hover, .faq-cat-link.active {
  background: var(--primary-navy);
  color: #FFFFFF;
  border-color: var(--primary-navy);
  box-shadow: var(--shadow-sm);
}

.faq-tag-btn {
  background: rgba(17, 59, 110, 0.05);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-full);
  padding: 6px 14px;
  font-size: 12px;
  font-weight: 700;
  color: var(--primary-navy);
  cursor: pointer;
  transition: var(--transition-smooth);
}

.faq-tag-btn:hover {
  background: var(--primary-navy);
  color: #FFFFFF;
  border-color: var(--primary-navy);
  transform: translateY(-1px);
}

.faq-accordion-group {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.faq-item {
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-xs);
  transition: var(--transition-smooth);
}

.faq-item.active {
  border-color: var(--primary-navy);
  box-shadow: var(--shadow-md);
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  background: transparent;
  border: none;
  font-family: var(--font-heading);
  font-size: 16px;
  font-weight: 800;
  color: var(--primary-navy);
  text-align: left;
  cursor: pointer;
}

.faq-toggle-icon {
  width: 20px;
  height: 20px;
  transition: transform 0.3s ease;
  flex-shrink: 0;
}

.faq-item.active .faq-toggle-icon {
  transform: rotate(180deg);
}

.faq-answer {
  padding: 0 24px 22px;
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
  display: none;
}

.faq-item.active .faq-answer {
  display: block;
  animation: fadeIn 0.3s ease;
}

/* ==========================================================================
   Contact Page & Form (contact.html)
   ========================================================================== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 36px;
  align-items: start;
}

.contact-info-card {
  background: var(--primary-navy);
  color: #FFFFFF;
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-xl);
}

.contact-info-card h3 {
  font-family: var(--font-heading);
  font-size: 24px;
  font-weight: 900;
  margin-bottom: 12px;
}

.contact-details-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin: 32px 0 40px;
}

.contact-detail-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.contact-icon-box {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  flex-shrink: 0;
}

.contact-detail-item strong {
  display: block;
  font-size: 14px;
  font-weight: 700;
  color: #FFFFFF;
}

.contact-form-card {
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 700;
  color: var(--primary-navy);
  margin-bottom: 8px;
}

.form-control {
  width: 100%;
  padding: 12px 16px;
  background: var(--bg-page);
  border: 1.5px solid var(--border-subtle);
  border-radius: var(--radius-md);
  font-size: 14px;
  outline: none;
  transition: var(--transition-smooth);
}

.form-control:focus {
  border-color: var(--primary-navy);
  background: #FFFFFF;
  box-shadow: 0 0 0 3px rgba(17, 59, 110, 0.08);
}

/* ==========================================================================
   Pre-Footer CTA Banner
   ========================================================================== */
.cta-banner-section {
  padding: 70px 0;
  background: linear-gradient(135deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
  color: #FFFFFF;
  position: relative;
  overflow: hidden;
}

.cta-banner-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 32px;
}

.cta-title {
  font-family: var(--font-heading);
  font-size: 32px;
  font-weight: 900;
  letter-spacing: -0.5px;
  margin-bottom: 6px;
}

.cta-title span {
  color: var(--accent-red);
}

.cta-sub {
  font-size: 15px;
  color: rgba(255, 255, 255, 0.85);
}

.cta-buttons-group {
  display: flex;
  gap: 14px;
  flex-shrink: 0;
}

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer {
  background: #040C24;
  color: #FFFFFF;
  padding: 72px 0 36px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  position: relative;
  overflow: hidden;
}

.site-footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 10%;
  right: 10%;
  height: 1px;
  background: linear-gradient(90deg, transparent 0%, rgba(204, 30, 65, 0.4) 50%, transparent 100%);
  pointer-events: none;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2.3fr 1.1fr 1.2fr 1.4fr;
  gap: 48px;
  margin-bottom: 48px;
  align-items: start;
}

.footer-brand-col {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.brand-logo-footer {
  display: inline-flex;
  flex-direction: column;
  align-items: flex-start;
  text-decoration: none;
  gap: 2px;
}

.brand-logo-footer .brand-logo-svg {
  height: 38px;
  width: auto;
  overflow: visible;
}

.brand-logo-footer .brand-logo-img {
  height: 46px;
}

/* Social row, foot of the brand column */
.footer-social {
  list-style: none;
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 22px 0 0;
  padding: 0;
}

.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  color: rgba(255, 255, 255, 0.82);
  transition: var(--transition-smooth);
}

.footer-social a:hover {
  background: var(--accent-red);
  border-color: var(--accent-red);
  color: #FFFFFF;
  transform: translateY(-2px);
}

.footer-social svg {
  width: 19px;
  height: 19px;
}

.footer-tagline {
  font-family: var(--font-body);
  font-size: 11.5px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.85);
  letter-spacing: 0.2px;
  margin-top: 3px;
}

.footer-brand-desc {
  font-size: 13.5px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.65);
  margin: 0;
  max-width: 380px;
}

.footer-badges-group {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 4px;
}

.footer-trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.85);
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 4px 10px;
  border-radius: var(--radius-full);
}

.footer-col h5 {
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 1px;
  color: #FFFFFF;
  margin-bottom: 20px;
  text-transform: uppercase;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding: 0;
  margin: 0;
}

.footer-links a {
  font-size: 13.5px;
  color: rgba(255, 255, 255, 0.7);
  text-decoration: none;
  transition: var(--transition-smooth);
  display: inline-block;
}

.footer-links a:hover {
  color: #FFFFFF;
  transform: translateX(3px);
}

.footer-contact-details {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 18px;
}

.footer-contact-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.8);
  text-decoration: none;
  transition: var(--transition-smooth);
}

.footer-contact-link:hover {
  color: #FFFFFF;
  transform: translateX(2px);
}

.footer-contact-link svg {
  color: rgba(255, 255, 255, 0.5);
  flex-shrink: 0;
}

.footer-location-text {
  color: rgba(255, 255, 255, 0.6);
  cursor: default;
}

.footer-legal-links {
  padding-top: 14px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-bottom {
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.footer-bottom-info {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.footer-copyright {
  font-size: 13px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.7);
  margin: 0;
}

.footer-compliance-note {
  font-size: 11.5px;
  color: rgba(255, 255, 255, 0.45);
  margin: 0;
}

.footer-bottom-meta {
  display: flex;
  align-items: center;
  margin-right: 140px;
}

.footer-system-status {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.75);
  background: rgba(34, 197, 94, 0.08);
  border: 1px solid rgba(34, 197, 94, 0.25);
  padding: 4px 10px;
  border-radius: var(--radius-full);
}

.footer-status-indicator {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #7FA8E0;
  box-shadow: 0 0 6px rgba(127, 168, 224, 0.85);
}

/* ==========================================================================
   Floating Superhero Mascot WhatsApp Widget
   ========================================================================== */
/* ==========================================================================
   Modern Superhero Floating Avatar & Portable "Chat with us" Speech Bubble
   ========================================================================== */
.moovon-pure-avatar-widget {
  position: fixed;
  bottom: 28px;
  right: 26px;
  z-index: 1200;
  display: flex;
  align-items: flex-end;
  gap: 4px;
  pointer-events: auto;
  text-decoration: none;
}

/* Redesigned Sleek Portable Speech Bubble */
.moovon-pure-speech-bubble {
  position: relative;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-radius: 999px;
  padding: 6px 8px 6px 14px;
  box-shadow: 0 10px 30px -4px rgba(17, 59, 110, 0.16), 
              0 2px 8px rgba(0, 0, 0, 0.04), 
              inset 0 1px 0 rgba(255, 255, 255, 0.9);
  border: 1.5px solid rgba(17, 59, 110, 0.1);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 74px;
  animation: floatPureBubble 3.2s ease-in-out infinite alternate;
  transform-origin: right center;
  transition: opacity 0.45s cubic-bezier(0.34, 1.56, 0.64, 1), 
              transform 0.45s cubic-bezier(0.34, 1.56, 0.64, 1), 
              visibility 0.45s ease, 
              box-shadow 0.25s ease, 
              border-color 0.25s ease,
              background-color 0.25s ease;
  cursor: pointer;
  white-space: nowrap;
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}

.moovon-pure-speech-bubble.bubble-autohidden {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translateX(12px) scale(0.9);
  animation-play-state: paused;
}

.moovon-pure-avatar-widget:hover .moovon-pure-speech-bubble {
  opacity: 1 !important;
  visibility: visible !important;
  pointer-events: auto !important;
  transform: translateX(0) scale(1) !important;
  animation-play-state: running;
}

.moovon-pure-speech-bubble:hover {
  transform: translateY(-3px) scale(1.03) !important;
  border-color: rgba(37, 211, 102, 0.85);
  box-shadow: 0 14px 34px -4px rgba(17, 59, 110, 0.22), 
              0 0 16px rgba(37, 211, 102, 0.35);
  background: #FFFFFF;
}

.bubble-pulse-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--accent-red);
  box-shadow: 0 0 0 0 rgba(204, 30, 65, 0.7);
  animation: livePulse 1.8s infinite;
  display: inline-block;
  flex-shrink: 0;
}

.moovon-speech-text {
  font-family: var(--font-heading);
  font-size: 13.5px;
  font-weight: 800;
  color: var(--primary-navy);
  letter-spacing: -0.2px;
  line-height: 1;
  user-select: none;
}

.moovon-speech-wa-badge {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--whatsapp-green);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 2px 6px rgba(37, 211, 102, 0.4);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.moovon-pure-speech-bubble:hover .moovon-speech-wa-badge {
  transform: rotate(12deg) scale(1.1);
  box-shadow: 0 3px 8px rgba(37, 211, 102, 0.6);
}

.moovon-pure-bubble-arrow {
  position: absolute;
  right: -7px;
  top: 50%;
  transform: translateY(-50%);
  width: 0;
  height: 0;
  border-top: 6px solid transparent;
  border-bottom: 6px solid transparent;
  border-left: 8px solid rgba(255, 255, 255, 0.96);
  filter: drop-shadow(2px 0 1px rgba(17, 59, 110, 0.08));
}

@keyframes floatPureBubble {
  0% { transform: translateY(0px); }
  100% { transform: translateY(-5px); }
}

/* Full Superhero Character Avatar */
.moovon-full-avatar-link {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: flex-end;
  text-decoration: none;
  cursor: pointer;
  position: relative;
  animation: floatFullSuperhero 3.2s ease-in-out infinite alternate;
  transform-origin: bottom center;
}

.moovon-full-avatar-img {
  height: 145px;
  width: auto;
  max-width: 130px;
  object-fit: contain;
  filter: drop-shadow(0 12px 24px rgba(17, 59, 110, 0.4));
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), filter 0.3s ease;
  pointer-events: auto;
}

.moovon-avatar-ground-shadow {
  width: 55px;
  height: 9px;
  background: radial-gradient(ellipse at center, rgba(17, 59, 110, 0.4) 0%, rgba(17, 59, 110, 0) 70%);
  border-radius: 50%;
  margin-top: -4px;
  animation: fullShadowScale 3.2s ease-in-out infinite alternate;
}

@keyframes floatFullSuperhero {
  0% { transform: translateY(0px) rotate(0deg); }
  50% { transform: translateY(-7px) rotate(1deg); }
  100% { transform: translateY(-13px) rotate(-1deg); }
}

@keyframes fullShadowScale {
  0% { transform: scale(1); opacity: 0.65; }
  100% { transform: scale(0.6); opacity: 0.25; }
}

/* Widget hover interaction */
.moovon-pure-avatar-widget:hover .moovon-full-avatar-img {
  transform: translateY(-8px) scale(1.07);
  filter: drop-shadow(0 16px 30px rgba(37, 211, 102, 0.6));
}

.hero-live-pulse {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--accent-red);
  box-shadow: 0 0 0 0 rgba(204, 30, 65, 0.7);
  animation: livePulse 1.8s infinite;
  display: inline-block;
  flex-shrink: 0;
}

@keyframes livePulse {
  0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(34, 197, 94, 0.7); }
  70% { transform: scale(1); box-shadow: 0 0 0 6px rgba(34, 197, 94, 0); }
  100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(34, 197, 94, 0); }
}

/* ==========================================================================
   Partner Finder Modal
   ========================================================================== */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(7, 21, 63, 0.7);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  opacity: 0;
  visibility: hidden;
  /* visibility must not be interpolated: while it transitions it stays
     'hidden' at progress 0, and a hidden dialog cannot take keyboard focus.
     Fade opacity, but flip visibility instantly on open (and only after the
     fade-out completes on close). */
  transition: opacity 0.25s ease, visibility 0s linear 0.25s;
}

.modal-overlay.active {
  opacity: 1;
  visibility: visible;
  transition: opacity 0.25s ease, visibility 0s linear 0s;
}

.modal-card {
  background: #FFFFFF;
  border-radius: var(--radius-xl);
  width: 100%;
  max-width: 620px;
  max-height: 85vh;
  display: flex;
  flex-direction: column;
  padding: 32px;
  box-shadow: var(--shadow-xl);
  position: relative;
  transform: scale(0.95);
  /* Only the transform animates. Using `all` here also animated the
     *inherited* visibility, which left the card (and its search field)
     unfocusable at the moment the dialog opened. */
  transition: transform 0.4s cubic-bezier(0.34, 1.56, 0.64, 1);
}

.modal-overlay.active .modal-card {
  transform: scale(1);
}

.modal-close {
  position: absolute;
  top: 20px;
  right: 20px;
  background: var(--bg-page);
  border: none;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  font-size: 20px;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  transition: var(--transition-smooth);
}

.modal-close:hover {
  background: var(--accent-red);
  color: #FFFFFF;
}

.modal-title {
  font-family: var(--font-heading);
  font-size: 22px;
  font-weight: 900;
  color: var(--primary-navy);
  margin-bottom: 6px;
}

.modal-sub {
  font-size: 13.5px;
  color: var(--text-muted);
  margin-bottom: 18px;
}

.modal-search-input {
  width: 100%;
  padding: 12px 18px;
  border: 1.5px solid var(--border-subtle);
  border-radius: var(--radius-md);
  font-size: 14px;
  margin-bottom: 18px;
  outline: none;
  background: var(--bg-page);
}

.modal-search-input:focus {
  border-color: var(--primary-navy);
  background: #FFFFFF;
}

.modal-partners-list {
  overflow-y: auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding-right: 6px;
}

.partner-modal-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 16px;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  background: var(--bg-page);
  transition: var(--transition-smooth);
}

.partner-modal-item:hover {
  background: #FFFFFF;
  border-color: var(--primary-navy);
  box-shadow: var(--shadow-sm);
}

.partner-modal-item img {
  width: 44px;
  height: 44px;
  object-fit: contain;
  margin-right: 14px;
}

.partner-modal-item h5 {
  font-family: var(--font-heading);
  font-size: 14.5px;
  font-weight: 800;
  color: var(--primary-navy);
}

.partner-modal-item p {
  font-size: 11.5px;
  color: var(--text-muted);
}

.partner-modal-item > div {
  flex: 1 1 auto;
  min-width: 0;
}

.partner-modal-item .btn {
  flex-shrink: 0;
}

.partner-modal-empty {
  text-align: center;
  padding: 22px 16px;
  border: 1px dashed var(--border-medium);
  border-radius: var(--radius-md);
}

.partner-modal-empty p {
  font-size: 13.5px;
  color: var(--text-muted);
  margin-bottom: 12px;
}

.partner-dir-empty {
  grid-column: 1 / -1;
  text-align: center;
  padding: 36px 20px;
  border: 1px dashed var(--border-medium);
  border-radius: var(--radius-lg);
  background: var(--bg-surface);
}

.partner-dir-empty h4 {
  font-family: var(--font-heading);
  font-size: 16px;
  color: var(--primary-navy);
  margin-bottom: 6px;
}

.partner-dir-empty p {
  font-size: 13.5px;
  color: var(--text-muted);
  margin-bottom: 14px;
}

.partner-result-count {
  font-size: 13px;
  color: var(--text-muted);
  margin-top: 12px;
  font-weight: 500;
}

/* Modal rows stack on phones so the CTA can't overlap the insurer name. */
@media (max-width: 600px) {
  .partner-modal-item {
    flex-wrap: wrap;
    gap: 10px;
  }

  .partner-modal-item .btn {
    width: 100%;
    justify-content: center;
  }
}

/* ==========================================================================
   Keyframe Animations
   ========================================================================== */
@keyframes float {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-6px); }
}

@keyframes pulseGlow {
  0% { box-shadow: 0 10px 30px rgba(17, 59, 110, 0.2); }
  100% { box-shadow: 0 16px 40px rgba(204, 30, 65, 0.35); }
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(4px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ==========================================================================
   Mobile Navigation Drawer
   ========================================================================== */
.mobile-drawer {
  position: fixed;
  inset: 0;
  z-index: 9999;
  visibility: hidden;
  opacity: 0;
  transition: opacity 0.3s ease, visibility 0.3s ease;
  pointer-events: none;
}

.mobile-drawer.active {
  visibility: visible;
  opacity: 1;
  pointer-events: auto;
}

.mobile-drawer-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(4, 12, 36, 0.65);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
}

.mobile-drawer-panel {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  width: 320px;
  max-width: 86vw;
  background: #FFFFFF;
  display: flex;
  flex-direction: column;
  box-shadow: -10px 0 40px rgba(0, 0, 0, 0.25);
  transform: translateX(100%);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  z-index: 2;
}

.mobile-drawer.active .mobile-drawer-panel {
  transform: translateX(0);
}

.mobile-drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 20px;
  border-bottom: 1px solid var(--border-subtle);
  background: #FFFFFF;
}

.mobile-drawer-close {
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition-smooth);
}

.mobile-drawer-close:hover {
  background: var(--bg-page);
}

.mobile-drawer-nav {
  flex: 1;
  overflow-y: auto;
  padding: 16px 14px;
}

.mobile-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.mobile-nav-link {
  display: block;
  padding: 12px 16px;
  font-size: 15px;
  font-weight: 700;
  color: var(--primary-navy);
  text-decoration: none;
  border-radius: var(--radius-md);
  transition: var(--transition-smooth);
}

.mobile-nav-link:hover, .mobile-nav-link.active {
  background: var(--accent-red-soft);
  color: var(--accent-red);
}

.mobile-nav-item-dropdown {
  display: flex;
  flex-direction: column;
}

.mobile-dropdown-toggle {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 16px;
  font-size: 15px;
  font-weight: 700;
  color: var(--primary-navy);
  background: none;
  border: none;
  border-radius: var(--radius-md);
  cursor: pointer;
  text-align: left;
  transition: var(--transition-smooth);
}

.mobile-dropdown-toggle:hover {
  background: var(--bg-page);
}

.mobile-dropdown-arrow {
  transition: transform 0.25s ease;
  color: var(--text-muted);
}

.mobile-nav-item-dropdown.active .mobile-dropdown-arrow {
  transform: rotate(180deg);
  color: var(--accent-red);
}

.mobile-submenu {
  display: none;
  flex-direction: column;
  gap: 6px;
  padding: 6px 8px 10px 14px;
}

.mobile-nav-item-dropdown.active .mobile-submenu {
  display: flex;
  animation: fadeIn 0.25s ease;
}

.mobile-sublink {
  display: flex;
  flex-direction: column;
  padding: 8px 12px;
  background: var(--bg-page);
  border-radius: var(--radius-sm);
  text-decoration: none;
  border: 1px solid var(--border-subtle);
  transition: var(--transition-smooth);
}

.mobile-sublink:hover {
  border-color: var(--primary-navy);
  background: #FFFFFF;
}

.mobile-sublink strong {
  font-size: 13px;
  font-weight: 700;
  color: var(--primary-navy);
}

.mobile-sublink span {
  font-size: 11px;
  color: var(--text-muted);
  margin-top: 2px;
}

.mobile-drawer-footer {
  padding: 18px 20px;
  border-top: 1px solid var(--border-subtle);
  background: var(--bg-page);
}

.mobile-drawer-wa {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 10px;
  font-size: 13px;
  font-weight: 600;
  color: var(--primary-navy);
  text-decoration: none;
  border-radius: var(--radius-md);
  background: rgba(37, 211, 102, 0.12);
  border: 1px solid rgba(37, 211, 102, 0.3);
  transition: var(--transition-smooth);
}

.mobile-drawer-wa:hover {
  background: rgba(37, 211, 102, 0.2);
}

body.mobile-drawer-open {
  overflow: hidden !important;
}

/* ==========================================================================
   Responsive Breakpoints Engine
   ========================================================================== */
/* Was 1024px, which left the full nav (larger logo + two action buttons) with
   under 40px of slack -- enough that a slightly wider font render pushed the
   "Find a Partner" button off the right edge. */
@media (max-width: 1100px) {
  .nav-menu, .nav-actions {
    display: none;
  }

  .mobile-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    border-radius: var(--radius-sm);
  }

  .products-grid-3, .partners-directory-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }

  /* .hiw-grid intentionally omitted - auto-fit governs it at every width. */

  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 36px;
  }

  .footer-brand-col {
    grid-column: 1 / -1;
  }

  .faq-categories-grid, .ops-guide-grid, .contact-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}

@media (max-width: 820px) {
  .site-header {
    padding: 0;
  }

  .nav-container {
    height: 60px; /* Balanced, compact mobile header */
  }

  .brand-logo-svg {
    height: 36px; /* Perfectly proportioned & crisp on mobile */
    width: auto;
  }

  .brand-logo-img {
    height: 42px;
  }

  .brand-logo-footer .brand-logo-img {
    height: 42px;
  }

  .page-hero {
    padding: 44px 0 32px;
  }

  .page-hero-title {
    font-size: clamp(38px, 10.5vw, 56px);
    line-height: 1.08;
    letter-spacing: -0.8px;
  }

  .page-hero-subtitle {
    font-size: 15px;
  }

  .hero-container, .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 36px;
  }

  .hero-title {
    font-size: clamp(40px, 11vw, 58px);
    line-height: 1.06;
    letter-spacing: -0.8px;
  }

  .hero-subtitle {
    font-size: 15px;
    margin: 0 auto 24px;
  }

  .hero-cta-group {
    justify-content: center;
    flex-wrap: wrap;
  }

  .hero-graphic-wrap {
    max-width: 480px;
    margin: 0 auto;
  }

  .calc-card-wrapper {
    grid-template-columns: 1fr;
    padding: 24px 18px;
    gap: 24px;
  }

  .calc-presets-row {
    flex-wrap: wrap;
  }

  .calc-preset-btn {
    flex: 1 1 calc(33.333% - 8px);
    text-align: center;
  }

  .products-grid-3, .partners-directory-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .partner-categories-bar {
    overflow-x: auto;
    padding-bottom: 8px;
    flex-wrap: nowrap;
    -webkit-overflow-scrolling: touch;
  }

  .partner-cat-tab {
    white-space: nowrap;
    flex-shrink: 0;
  }

  .faq-cat-nav {
    flex-direction: row;
    overflow-x: auto;
    padding-bottom: 8px;
    flex-wrap: nowrap;
    -webkit-overflow-scrolling: touch;
    gap: 8px;
  }

  .faq-cat-link {
    white-space: nowrap;
    flex-shrink: 0;
    width: auto;
  }

  .cta-banner-content {
    flex-direction: column;
    text-align: center;
    gap: 20px;
  }

  .cta-buttons-group {
    flex-direction: column;
    width: 100%;
  }

  .cta-buttons-group .btn {
    width: 100%;
    justify-content: center;
  }

}

@media (max-width: 600px) {
  .hero-cta-group {
    flex-direction: column;
    width: 100%;
  }

  .hero-cta-group .btn {
    width: 100%;
    justify-content: center;
    text-align: center;
  }

  .moovon-pure-avatar-widget {
    bottom: 18px;
    right: 14px;
    gap: 3px;
  }

  .moovon-pure-speech-bubble {
    padding: 5px 6px 5px 10px;
    margin-bottom: 54px;
    gap: 6px;
  }

  .moovon-speech-text {
    font-size: 12px;
  }

  .moovon-speech-wa-badge {
    width: 18px;
    height: 18px;
  }

  .moovon-speech-wa-badge svg {
    width: 11px;
    height: 11px;
  }

  .moovon-full-avatar-img {
    height: 110px;
    max-width: 95px;
  }

  .moovon-avatar-ground-shadow {
    width: 42px;
    height: 7px;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .footer-brand-col {
    grid-column: 1;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }

  .footer-bottom-meta {
    margin-right: 0;
  }

  .contact-info-card, .contact-form-card {
    padding: 24px 18px;
  }
}

/* ==========================================================================
   Customer Journey Stepper (homepage "How It Works", per the flyer)
   ========================================================================== */
/* ==========================================================================
   "Already have an insurer?" reassurance band (per the flyer)
   ========================================================================== */
/* Full-bleed band. The handset deliberately breaks the lower edge, so the
   section keeps bottom room for it to land in and nothing here clips. */
.eligibility-section {
  padding: 0 0 96px;
  background: #FFFFFF;
}

.eligibility-band {
  position: relative;
  width: 100%;
  background: linear-gradient(180deg, #FFFFFF 0%, var(--primary-navy-soft) 100%);
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
}

.eligibility-inner {
  max-width: 1560px;
  margin: 0 auto;
  padding: 46px 48px;
  display: grid;
  grid-template-columns: 1.15fr 1.05fr 0.95fr 0.78fr;
  align-items: center;
  gap: 44px;
}

/* --- intro --- */
.elig-intro {
  display: flex;
  align-items: center;
  gap: 20px;
}

.elig-handshake {
  position: relative;
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 78px;
  height: 78px;
  border-radius: 50%;
  border: 1px solid var(--border-subtle);
  background: var(--bg-page);
  color: var(--primary-navy);
}

.elig-handshake > svg {
  width: 40px;
  height: 40px;
}

.elig-check {
  position: absolute;
  right: -2px;
  bottom: -2px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 27px;
  height: 27px;
  border-radius: 50%;
  background: var(--accent-red);
  color: #FFFFFF;
  border: 2.5px solid var(--bg-surface);
}

.elig-check svg {
  width: 13px;
  height: 13px;
}

.elig-title {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 800;
  line-height: 1.28;
  letter-spacing: -0.3px;
  color: var(--primary-navy-dark);
  margin-bottom: 8px;
}

.elig-lead {
  font-size: 15.5px;
  line-height: 1.5;
  font-weight: 600;
  color: var(--primary-navy);
}

/* --- entity trio --- */
.elig-entities {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  margin: 0;
  padding: 0;
  border-left: 1px solid var(--border-subtle);
}

.elig-entities li {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  text-align: center;
  padding: 4px 10px;
  font-family: var(--font-heading);
  font-size: 13.5px;
  font-weight: 700;
  line-height: 1.35;
  color: var(--primary-navy-dark);
}

.elig-entities li + li {
  border-left: 1px solid var(--border-subtle);
}

.elig-entities svg {
  width: 38px;
  height: 38px;
  color: var(--primary-navy);
}

/* --- eligible policies --- */
.elig-policies {
  border-left: 1px solid var(--border-subtle);
  padding-left: 30px;
}

.elig-policies-title {
  font-size: 13.5px;
  font-weight: 600;
  line-height: 1.45;
  color: var(--text-muted);
  margin-bottom: 14px;
  max-width: 22ch;
}

.elig-policy-list {
  list-style: none;
  display: grid;
  gap: 11px;
  margin: 0;
  padding: 0;
}

.elig-policy-list li {
  display: flex;
  align-items: center;
  gap: 11px;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--primary-navy-dark);
}

.elig-policy-list svg {
  width: 19px;
  height: 19px;
  flex-shrink: 0;
  color: var(--primary-navy);
}

.elig-more {
  margin-top: 14px;
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 800;
  color: var(--primary-navy);
}

/* --- app preview, bleeding off the card edge as on the flyer --- */
/* The handset sits proud of the band rather than being cropped into it:
   given its own column width, it overhangs the lower edge and casts a
   shadow onto the section below. */
.elig-app {
  position: relative;
  align-self: stretch;
  min-width: 0;
  display: flex;
  justify-content: center;
}

/* Bottom sits flush with the band's lower border so the source image's own
   crop is hidden behind it, while the top of the device rises clear of the
   band. -46px cancels .eligibility-inner's padding. */
.elig-app img {
  position: absolute;
  bottom: -46px;
  width: auto;
  height: 382px;
  max-width: none;
  filter: drop-shadow(0 18px 34px rgba(17, 59, 110, 0.24));
}

/* Soft halo so the handset reads as lifted off the band. */
.elig-app::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 300px;
  height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(27, 91, 170, 0.10) 0%, rgba(27, 91, 170, 0) 68%);
  pointer-events: none;
}

@media (max-width: 1180px) {
  .eligibility-inner {
    grid-template-columns: 1fr 1fr;
    gap: 34px 40px;
    padding: 42px 32px;
  }

  .elig-entities,
  .elig-policies {
    border-left: none;
  }

  .elig-policies {
    padding-left: 0;
  }

  /* Handset moves to its own full-width row, still rising out of the band. */
  .elig-app {
    grid-column: 1 / -1;
    min-height: 250px;
  }

  .elig-app img {
    bottom: -42px;
    height: 340px;
  }
}

@media (max-width: 760px) {
  .eligibility-section {
    padding-bottom: 80px;
  }

  .eligibility-inner {
    grid-template-columns: 1fr;
    gap: 30px;
    padding: 34px 22px;
    text-align: center;
  }

  .elig-app {
    min-height: 214px;
  }

  .elig-app img {
    bottom: -34px;
    height: 282px;
  }

  .elig-app::before {
    width: 220px;
    height: 220px;
  }

  .elig-intro {
    flex-direction: column;
    gap: 16px;
  }

  .elig-title {
    font-size: 18.5px;
  }

  .elig-entities {
    gap: 8px;
  }

  .elig-entities li {
    padding: 4px 2px;
    font-size: 12.5px;
  }

  .elig-policies-title {
    max-width: none;
  }

  .elig-policy-list li {
    justify-content: center;
  }
}

/* On how-it-works.html the journey leads and the operational grid follows,
   so the two read as distinct chapters rather than one long white run. */
.hiw-journey-section {
  background: var(--bg-page);
  border-bottom: 1px solid var(--border-subtle);
}

.hiw-flow-heading {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 18px;
  margin-bottom: 46px;
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 800;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  color: var(--primary-navy-dark);
}

/* The short red rules either side of the title on the flyer. */
.hiw-flow-heading::before,
.hiw-flow-heading::after {
  content: '';
  width: 46px;
  height: 2px;
  background: var(--accent-red);
  flex-shrink: 0;
}

.hiw-flow {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.hiw-step {
  position: relative;
  text-align: center;
}

/* Dotted run with an arrowhead, sitting between one icon and the next.
   56px clears the icon radius; 88px is that clearance at both ends. */
.hiw-step:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 45px;
  left: calc(50% + 56px);
  width: calc(100% - 88px);
  height: 8px;
  background-image:
    radial-gradient(circle, var(--border-medium) 1.1px, transparent 1.2px),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='7' height='8' viewBox='0 0 7 8'%3E%3Cpath d='M0 0l7 4-7 4z' fill='%23CBD5E1'/%3E%3C/svg%3E");
  background-position: left center, right center;
  background-repeat: repeat-x, no-repeat;
  background-size: 8px 8px, 7px 8px;
}

.hiw-step-mark {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
}

.hiw-step-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 90px;
  height: 90px;
  border-radius: 50%;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  color: var(--primary-navy);
  box-shadow: var(--shadow-xs);
}

.hiw-step-icon svg {
  width: 46px;
  height: 46px;
}

/* Numbered token, overlapping the icon's leading edge as on the flyer. */
.hiw-step-num {
  position: absolute;
  top: 50%;
  left: -18px;
  transform: translateY(-50%);
  z-index: 2;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--primary-navy);
  color: #FFFFFF;
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 800;
  box-shadow: 0 2px 8px rgba(17, 59, 110, 0.28);
}

.hiw-step-title {
  font-family: var(--font-heading);
  font-size: 16.5px;
  font-weight: 800;
  color: var(--primary-navy-dark);
  margin-bottom: 10px;
  letter-spacing: -0.2px;
}

.hiw-step-desc {
  font-size: 14px;
  line-height: 1.65;
  color: var(--text-muted);
  max-width: 25ch;
  margin: 0 auto;
}

.hiw-flow-cta {
  text-align: center;
  margin-top: 46px;
}

.hiw-flow-link {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-weight: 600;
  font-size: 14.5px;
  color: var(--primary-navy);
  border-bottom: 1px solid transparent;
  transition: var(--transition-smooth);
}

.hiw-flow-link svg {
  width: 17px;
  height: 17px;
  transition: transform 0.25s ease;
}

.hiw-flow-link:hover {
  color: var(--accent-red);
  border-bottom-color: currentColor;
}

.hiw-flow-link:hover svg {
  transform: translateX(3px);
}

/* Two-up at tablet: the connector only runs between columns in a row. */
@media (max-width: 1024px) {
  .hiw-flow {
    grid-template-columns: repeat(2, 1fr);
    gap: 40px 24px;
  }

  .hiw-step:nth-child(2n)::after {
    display: none;
  }
}

/* Stacked: the run turns vertical, joining each step to the next. */
@media (max-width: 700px) {
  .hiw-flow {
    grid-template-columns: 1fr;
    gap: 34px;
    max-width: 340px;
    margin: 0 auto;
  }

  .hiw-flow-heading {
    font-size: 17px;
    gap: 12px;
    margin-bottom: 34px;
  }

  .hiw-flow-heading::before,
  .hiw-flow-heading::after {
    width: 28px;
  }

  .hiw-step:not(:last-child)::after,
  .hiw-step:nth-child(2n)::after {
    display: block;
    top: auto;
    bottom: -30px;
    left: 50%;
    width: 8px;
    height: 22px;
    background-image:
      radial-gradient(circle, var(--border-medium) 1.1px, transparent 1.2px),
      url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='8' height='7' viewBox='0 0 8 7'%3E%3Cpath d='M0 0l4 7 4-7z' fill='%23CBD5E1'/%3E%3C/svg%3E");
    background-position: top center, bottom center;
    background-repeat: repeat-y, no-repeat;
    background-size: 8px 8px, 8px 7px;
  }
}

/* ==========================================================================
   Legal Documents (terms.html, privacy.html)
   ========================================================================== */
.legal-section {
  padding: 64px 0 80px;
}

.legal-container {
  max-width: 800px;
}

.legal-updated {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-sub);
  margin-bottom: 18px;
}

.legal-notice {
  margin-bottom: 40px;
  line-height: 1.65;
}

.legal-h2 {
  font-family: var(--font-heading);
  font-size: 21px;
  font-weight: 800;
  color: var(--primary-navy);
  letter-spacing: -0.3px;
  margin: 40px 0 12px;
  padding-top: 24px;
  border-top: 1px solid var(--border-subtle);
}

.legal-section p {
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 14px;
}

.legal-section strong {
  color: var(--text-main);
  font-weight: 600;
}

.legal-list {
  list-style: none;
  margin: 0 0 18px;
  padding: 0;
}

.legal-list li {
  position: relative;
  padding-left: 26px;
  margin-bottom: 10px;
  color: var(--text-muted);
  line-height: 1.7;
}

.legal-list li::before {
  content: '';
  position: absolute;
  left: 6px;
  top: 11px;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent-red);
}

.legal-contact-box {
  margin-top: 48px;
  padding: 28px 26px;
  background: var(--primary-navy-soft);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
}

.legal-contact-box h3 {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 6px;
}

.legal-contact-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 18px;
}

@media (max-width: 600px) {
  .legal-contact-actions .btn {
    width: 100%;
    justify-content: center;
  }
}

/* ==========================================================================
   Accessibility Foundations
   ========================================================================== */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  top: -100px;
  left: 16px;
  z-index: 2000;
  background: var(--primary-navy);
  color: #FFFFFF;
  padding: 12px 20px;
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  font-weight: 600;
  font-size: 14px;
  transition: top 0.2s ease;
}

.skip-link:focus {
  top: 0;
}

:focus-visible {
  outline: 3px solid rgba(17, 59, 110, 0.55);
  outline-offset: 2px;
}

.site-footer :focus-visible,
.cta-banner-section :focus-visible,
.page-hero :focus-visible,
.contact-info-card :focus-visible,
.floating-whatsapp-widget:focus-visible {
  outline-color: rgba(255, 255, 255, 0.9);
}

/* Keyboard access to the header menus, which were hover-only. The ::before
   bridge keeps the 12px gap between trigger and panel hoverable. */
.nav-item-has-dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.dropdown-menu::before {
  content: '';
  position: absolute;
  top: -12px;
  left: 0;
  right: 0;
  height: 12px;
}

/* Sticky-header offset so in-page anchors don't land under the glass bar. */
[id] {
  scroll-margin-top: 104px;
}

/* Contrast: --text-light (#94A3B8) sits at ~2.6:1 on white, below AA for
   small informative text. These two uses carry meaning, so they step up. */
.calc-stat-item small,
.partner-dir-sub {
  color: var(--text-sub);
}

.section-tag {
  color: var(--accent-red-hover);
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

/* Site-wide regulatory strip required by the brand rules. */
.footer-regulatory {
  font-size: 12px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.66);
  max-width: 96ch;
  margin-top: 6px;
}

.for-partners-portal-signin {
  align-self: flex-start;
  gap: 9px;
  margin: 4px 0 4px;
}

/* ==== PAGE FRAGMENTS (generated - do not hand-edit above this line) ==== */

/* ---------- index ---------- */
/* ==========================================================================
   HOME (index.html) — page fragment
   Appended after styles.css. Every new class is prefixed .index- so this
   fragment cannot collide with another page's fragment.
   Palette: navy / red / white only (R8). Tokens only — no hard-coded brand hexes.
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Participating Insurance Partners
   The logo marquee (.hero-partners-ribbon) now lives inside this section
   rather than the hero, so the heading introduces the logos it labels.
   -------------------------------------------------------------------------- */
.index-partners {
  padding: 72px 0 68px;
  background: var(--bg-surface);
}

.index-partners .section-header {
  margin-bottom: 32px;
}

.index-partners .hero-partners-ribbon {
  border-top: 1px solid var(--border-subtle);
  margin-bottom: 28px;
}

/* The ribbon logos are not links, so they should not advertise a click. */
.index-partners .ribbon-logos-slide img {
  cursor: default;
}

.index-partners-note {
  max-width: 760px;
  margin: 0 auto;
  text-align: center;
  font-size: 15px;
  line-height: 1.7;
  color: var(--text-muted);
}

.index-partners-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  margin-top: 26px;
}

/* --------------------------------------------------------------------------
   2. Simple Customer Journey — six canonical steps
   Reuses the .hiw-flow stepper. Only the desktop column count and the
   connector run between columns change, so the shared stepper stays intact.
   -------------------------------------------------------------------------- */
.index-journey .hiw-step-icon svg {
  width: 34px;
  height: 34px;
}

.index-journey .hiw-step-desc {
  max-width: 30ch;
}

/* Three across, two rows. Scoped to the desktop range so the 1024px (2-up)
   and 700px (stacked) rules in styles.css still take effect below it. */
@media (min-width: 1025px) {
  .index-journey .hiw-flow {
    grid-template-columns: repeat(3, 1fr);
    gap: 48px 24px;
  }

  /* No connector off the end of a row. */
  .index-journey .hiw-step:nth-child(3n)::after {
    display: none;
  }
}

/* --------------------------------------------------------------------------
   3. Core Benefits
   -------------------------------------------------------------------------- */
.index-benefits {
  padding: 84px 0;
  background: var(--bg-page);
}

.index-benefits-grid {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 22px;
}

.index-benefits-grid > li {
  min-width: 0;
}

.index-benefit {
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xs);
  padding: 28px 24px 26px;
  transition: var(--transition-smooth);
}

.index-benefit:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--primary-navy);
}

.index-benefit-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  background: var(--primary-navy-soft);
  color: var(--primary-navy);
  margin-bottom: 18px;
}

.index-benefit-icon svg {
  width: 26px;
  height: 26px;
}

.index-benefit-title {
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 800;
  line-height: 1.3;
  letter-spacing: -0.2px;
  color: var(--primary-navy-dark);
  margin-bottom: 9px;
}

.index-benefit-desc {
  font-size: 14.5px;
  line-height: 1.7;
  color: var(--text-muted);
}

.index-benefits-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  margin-top: 38px;
}

/* --------------------------------------------------------------------------
   4. Flexible Ways to Pay — tier names and premium bands only.
   No deposit percentages, setup or facility fees, or penalty amounts (R5/R6).
   -------------------------------------------------------------------------- */
.index-ways {
  padding: 84px 0;
  background: var(--bg-surface);
}

.index-ways-grid {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.index-ways-grid > li {
  min-width: 0;
}

.index-way {
  position: relative;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xs);
  padding: 30px 26px;
  overflow: hidden;
  transition: var(--transition-smooth);
}

/* Red keyline along the top edge, echoing the brand rule on the flyer. */
.index-way::before {
  content: '';
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: var(--accent-red);
}

.index-way:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
}

.index-way-name {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 900;
  letter-spacing: -0.3px;
  color: var(--primary-navy);
  margin-bottom: 10px;
}

.index-way-band {
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 800;
  color: var(--primary-navy-dark);
  background: var(--primary-navy-soft);
  border-radius: var(--radius-full);
  padding: 6px 14px;
  display: inline-block;
  margin-bottom: 14px;
}

.index-way-note {
  font-size: 14.5px;
  line-height: 1.7;
  color: var(--text-muted);
}

.index-ways-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  margin-top: 34px;
}

/* Regulatory positioning: R1 (underwriting), R2 (claims), R3 (financing
   partners), R4 (customer chooses). Kept on-page, not only in the footer. */
.index-compliance {
  max-width: 900px;
  margin: 40px auto 0;
  padding: 20px 24px;
  border: 1px solid var(--border-subtle);
  border-left: 3px solid var(--primary-navy);
  border-radius: var(--radius-md);
  background: var(--bg-page);
  font-size: 13.5px;
  line-height: 1.75;
  color: var(--text-muted);
  text-align: left;
}

/* --------------------------------------------------------------------------
   5. Follow Mr. Moovon (compact social band, R10)
   Dark band so the shared .footer-social pills apply unchanged.
   -------------------------------------------------------------------------- */
.index-follow {
  padding: 46px 0;
  background: linear-gradient(120deg, var(--bg-surface-dark) 0%, var(--primary-navy-dark) 100%);
  color: #FFFFFF;
}

.index-follow-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  flex-wrap: wrap;
}

.index-follow-copy {
  min-width: 0;
  flex: 1 1 320px;
}

.index-follow-title {
  font-family: var(--font-heading);
  font-size: 27px;
  font-weight: 900;
  letter-spacing: -0.4px;
  margin-bottom: 8px;
}

.index-follow-sub {
  font-size: 15px;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.86);
  max-width: 52ch;
}

.index-follow .footer-social {
  margin-top: 18px;
  flex-wrap: wrap;
}

.index-follow-art {
  flex: 0 0 auto;
  padding: 8px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius-lg);
}

.index-follow-art img {
  width: 162px;
  height: auto;
  border-radius: var(--radius-md);
}

/* White focus ring on the dark band, matching the treatment styles.css
   already gives .cta-banner-section and .site-footer. */
.index-follow :focus-visible {
  outline-color: rgba(255, 255, 255, 0.9);
}

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1100px) {
  .index-benefits-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 900px) {
  .index-ways-grid {
    grid-template-columns: 1fr;
    max-width: 520px;
    margin: 0 auto;
  }
}

@media (max-width: 820px) {
  .index-partners {
    padding: 56px 0 52px;
  }

  .index-benefits,
  .index-ways {
    padding: 62px 0;
  }

  .index-follow-inner {
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
  }

  .index-follow-art {
    align-self: center;
  }
}

@media (max-width: 600px) {
  .index-benefits-grid {
    grid-template-columns: 1fr;
    max-width: 460px;
    margin: 0 auto;
  }

  .index-partners-actions .btn,
  .index-benefits-actions .btn,
  .index-ways-actions .btn {
    width: 100%;
    justify-content: center;
    white-space: normal;
  }

  .index-follow-title {
    font-size: 23px;
  }

  .index-compliance {
    padding: 18px 16px;
    font-size: 13px;
  }

  /* .section-title is a fixed 36px in styles.css; scale it down for this
     page's sections only so long titles stay comfortable on a phone. */
  .index-partners .section-title,
  .index-journey .section-title,
  .index-benefits .section-title,
  .index-ways .section-title {
    font-size: 27px;
  }
}

/* 320–390px: nothing may push the page sideways. */
@media (max-width: 400px) {
  .index-benefit,
  .index-way {
    padding: 24px 18px;
  }

  /* The band can wrap to two lines at this width; a pill radius would read
     as a mistake, so it becomes a block chip instead. */
  .index-way-band {
    display: block;
    font-size: 13px;
    padding: 8px 12px;
    border-radius: var(--radius-md);
  }

  .index-follow-art img {
    width: 140px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .index-benefit,
  .index-way {
    transition: none;
  }

  .index-benefit:hover,
  .index-way:hover {
    transform: none;
  }
}

/* ---------- how-it-works ---------- */
/* ==========================================================================
   HOW SPREADPAY WORKS — page CSS fragment (slug: how-it-works)
   --------------------------------------------------------------------------
   Append after styles.css. Everything here is new; nothing in styles.css is
   redefined. All new classes carry the `hiw-` prefix — the established page
   prefix for how-it-works.html already used throughout styles.css
   (.hiw-section, .hiw-flow, .hiw-step…) — so this fragment cannot collide
   with other page fragments.

   Reused from the design system (no new CSS written for them):
     .container .page-hero/.page-hero-badge/-title/-subtitle
     .section-header .section-tag .section-title .section-subtitle
     .btn .btn-primary .btn-outline
     .hiw-section .hiw-journey-section .hiw-flow (+ .hiw-step*, heading, cta, link)
     .faq-accordion-group .faq-item .faq-question .faq-toggle-icon .faq-answer
     .alert-box-info .footer-social .cta-banner-section
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Hero action row (sits under .page-hero-subtitle)
   -------------------------------------------------------------------------- */
.hiw-hero-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  margin-top: 28px;
  position: relative;
  z-index: 1;
}

/* --------------------------------------------------------------------------
   2. Key line band — "Your annual premium is paid. Your payments are spread."
   Lifted so the card overlaps the foot of the navy hero.
   -------------------------------------------------------------------------- */
.hiw-keyline-section {
  position: relative;
  z-index: 2;
  margin-top: 36px;
  margin-bottom: 24px;
}

.hiw-keyline {
  display: flex;
  align-items: flex-start;
  gap: 22px;
  padding: 28px 32px;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-top: 3px solid var(--accent-red);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

.hiw-keyline-mark {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--primary-navy-soft);
  color: var(--primary-navy);
}

.hiw-keyline-mark svg {
  width: 28px;
  height: 28px;
}

.hiw-keyline-body {
  min-width: 0;
}

.hiw-keyline-line {
  font-family: var(--font-heading);
  font-size: clamp(19px, 2.6vw, 29px);
  font-weight: 900;
  line-height: 1.22;
  letter-spacing: -0.5px;
  color: var(--primary-navy-dark);
  margin-bottom: 10px;
}

.hiw-keyline-line span {
  color: var(--accent-red);
}

.hiw-keyline-note {
  font-size: 13.5px;
  line-height: 1.65;
  color: var(--text-muted);
  max-width: 84ch;
}

@media (max-width: 860px) {
  .hiw-keyline-section {
    margin-top: 32px;
    margin-bottom: 20px;
  }
}

@media (max-width: 760px) {
  .hiw-keyline {
    flex-direction: column;
    gap: 16px;
    padding: 24px 20px;
  }
}

@media (max-width: 420px) {
  .hiw-keyline {
    padding: 20px 16px;
  }
}

/* --------------------------------------------------------------------------
   3. Six-step journey — illustrated cards matching the flyer
   -------------------------------------------------------------------------- */
.hiw-flow.hiw-flow-six {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 18px;
  list-style: none;
  padding: 0;
  margin: 0;
}

.hiw-step--illustrated {
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 22px 14px 18px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  position: relative;
  transition: var(--transition-spring);
  box-shadow: 0 4px 16px rgba(11, 34, 101, 0.04);
}

.hiw-step--illustrated:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 28px rgba(11, 34, 101, 0.12);
  border-color: rgba(11, 34, 101, 0.22);
}

.hiw-step-header {
  position: relative;
  width: 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
  margin-bottom: 14px;
}

.hiw-step--illustrated .hiw-step-num {
  position: absolute;
  top: -10px;
  left: -2px;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--primary-navy);
  color: #FFFFFF;
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 900;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 2px 8px rgba(11, 34, 101, 0.25);
  z-index: 2;
}

.hiw-step-img-wrap {
  width: 110px;
  height: 110px;
  border-radius: var(--radius-md);
  background: linear-gradient(180deg, #F8FAFC 0%, #EEF2F8 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 4px;
  overflow: hidden;
  border: 1px solid var(--border-subtle);
}

.hiw-step-img-wrap img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius-sm);
  display: block;
}

.hiw-step--illustrated .hiw-step-title {
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 800;
  line-height: 1.3;
  color: var(--primary-navy-dark);
  margin-bottom: 8px;
}

.hiw-step--illustrated .hiw-step-desc {
  font-size: 12px;
  line-height: 1.5;
  color: var(--text-muted);
  margin: 0;
}

@media (max-width: 1200px) {
  .hiw-flow.hiw-flow-six {
    grid-template-columns: repeat(3, 1fr);
    gap: 22px;
  }
}

@media (max-width: 768px) {
  .hiw-flow.hiw-flow-six {
    grid-template-columns: repeat(2, 1fr);
    gap: 18px;
  }
}

@media (max-width: 500px) {
  .hiw-flow.hiw-flow-six {
    grid-template-columns: 1fr;
    gap: 18px;
    max-width: 320px;
    margin: 0 auto;
  }
}

/* --------------------------------------------------------------------------
   4. Who Does What? — the three-party split
   -------------------------------------------------------------------------- */
.hiw-roles {
  display: grid;
  /* min() keeps the track from setting a floor wider than a 320px viewport. */
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 272px), 1fr));
  gap: 24px;
  align-items: stretch;
}

.hiw-roles > * {
  min-width: 0;
}

.hiw-role {
  display: flex;
  flex-direction: column;
  padding: 30px 26px;
  background: var(--bg-page);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  transition: var(--transition-spring);
}

.hiw-role:hover {
  background: var(--bg-surface);
  border-color: rgba(17, 59, 110, 0.2);
  box-shadow: var(--shadow-lg);
  transform: translateY(-6px);
}

.hiw-role-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  margin-bottom: 18px;
  border-radius: var(--radius-md);
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  color: var(--primary-navy);
  box-shadow: var(--shadow-xs);
}

.hiw-role-icon svg {
  width: 26px;
  height: 26px;
}

.hiw-role-name {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 900;
  line-height: 1.25;
  letter-spacing: -0.2px;
  color: var(--primary-navy);
  margin-bottom: 8px;
}

.hiw-role-lead {
  font-size: 14px;
  line-height: 1.6;
  color: var(--text-muted);
  margin-bottom: 18px;
}

.hiw-role-list {
  list-style: none;
  display: grid;
  gap: 10px;
  margin: 0;
  padding: 16px 0 0;
  border-top: 1px solid var(--border-subtle);
}

.hiw-role-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  min-width: 0;
  font-size: 13.5px;
  line-height: 1.5;
  color: var(--text-main);
}

.hiw-role-list svg {
  width: 16px;
  height: 16px;
  flex-shrink: 0;
  margin-top: 2px;
  color: var(--accent-red);
}

.hiw-role-note {
  margin-top: auto;
  padding-top: 16px;
  font-size: 12.5px;
  line-height: 1.55;
  color: var(--text-sub);
}

/* Moovon's own column, called out in navy */
.hiw-role-feature,
.hiw-role-feature:hover {
  background: linear-gradient(150deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
  border-color: var(--primary-navy);
  box-shadow: var(--shadow-glow-blue);
}

.hiw-role-feature .hiw-role-icon {
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(255, 255, 255, 0.28);
  color: #FFFFFF;
  box-shadow: none;
}

.hiw-role-feature .hiw-role-name {
  color: #FFFFFF;
}

.hiw-role-feature .hiw-role-lead {
  color: rgba(255, 255, 255, 0.86);
}

.hiw-role-feature .hiw-role-list {
  border-top-color: rgba(255, 255, 255, 0.22);
}

.hiw-role-feature .hiw-role-list li {
  color: rgba(255, 255, 255, 0.92);
}

.hiw-role-feature .hiw-role-list svg {
  color: #FFFFFF;
}

.hiw-role-feature .hiw-role-note {
  color: rgba(255, 255, 255, 0.78);
}

.hiw-choice-note {
  max-width: 900px;
  margin: 36px auto 0;
}

.hiw-choice-note .alert-box-info {
  margin: 0;
  font-size: 14px;
  line-height: 1.6;
}

/* --------------------------------------------------------------------------
   5. Before You Agree — accordion + "who should I talk to?" card
   -------------------------------------------------------------------------- */
.hiw-know-section {
  background: var(--bg-page);
}

.hiw-know-grid {
  display: grid;
  grid-template-columns: 1.45fr 1fr;
  gap: 28px;
  align-items: start;
}

.hiw-know-grid > * {
  min-width: 0;
}

.hiw-faq-more {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin-top: 20px;
  font-size: 14.5px;
  font-weight: 600;
  color: var(--primary-navy);
  border-bottom: 1px solid transparent;
  transition: var(--transition-smooth);
}

.hiw-faq-more svg {
  width: 17px;
  height: 17px;
  transition: transform 0.25s ease;
}

.hiw-faq-more:hover {
  color: var(--accent-red);
  border-bottom-color: currentColor;
}

.hiw-faq-more:hover svg {
  transform: translateX(3px);
}

.hiw-help-card {
  padding: 26px;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

.hiw-help-figure {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 20px;
}

.hiw-help-figure > div {
  min-width: 0;
}

.hiw-help-figure img {
  width: 74px;
  height: 74px;
  flex-shrink: 0;
  object-fit: cover;
  border-radius: var(--radius-md);
  border: 1px solid var(--border-subtle);
  background: var(--primary-navy-soft);
}

.hiw-help-title {
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 900;
  line-height: 1.3;
  color: var(--primary-navy);
}

.hiw-help-sub {
  margin-top: 4px;
  font-size: 12.5px;
  line-height: 1.5;
  color: var(--text-muted);
}

.hiw-help-block + .hiw-help-block {
  margin-top: 18px;
}

.hiw-help-block-label {
  font-family: var(--font-heading);
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--accent-red);
  margin-bottom: 9px;
}

.hiw-help-block-alt .hiw-help-block-label {
  color: var(--primary-navy);
}

.hiw-help-list {
  list-style: none;
  display: grid;
  gap: 8px;
  margin: 0;
  padding: 0;
}

.hiw-help-list li {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  min-width: 0;
  font-size: 13.5px;
  line-height: 1.5;
  color: var(--text-muted);
}

.hiw-help-list svg {
  width: 15px;
  height: 15px;
  flex-shrink: 0;
  margin-top: 3px;
  color: var(--primary-navy);
}

.hiw-help-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 22px;
  padding-top: 18px;
  border-top: 1px solid var(--border-subtle);
}

.hiw-help-actions .btn {
  flex: 1 1 auto;
  justify-content: center;
}

@media (max-width: 960px) {
  .hiw-know-grid {
    grid-template-columns: 1fr;
  }
}

/* --------------------------------------------------------------------------
   6. Follow Mr. Moovon — compact social strip (R10)
   Sits on the same page-tinted run as the section above it, whose bottom
   padding supplies the gap.
   -------------------------------------------------------------------------- */
.hiw-follow-section {
  padding: 0 0 84px;
  background: var(--bg-page);
}

.hiw-follow {
  display: flex;
  align-items: center;
  gap: 28px;
  padding: 24px 32px;
  background: linear-gradient(135deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  color: #FFFFFF;
}

.hiw-follow-figure {
  flex-shrink: 0;
  width: 124px;
  height: 98px;
  overflow: hidden;
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.28);
  background: rgba(255, 255, 255, 0.1);
}

.hiw-follow-figure img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.hiw-follow-body {
  flex: 1 1 auto;
  min-width: 0;
}

.hiw-follow-title {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 900;
  letter-spacing: -0.3px;
  line-height: 1.25;
  margin-bottom: 6px;
}

.hiw-follow-text {
  font-size: 14px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.84);
  max-width: 56ch;
}

/* The shared social row is already built for a dark surface. */
.hiw-follow .footer-social {
  flex-shrink: 0;
  margin: 0;
}

/* Same treatment styles.css gives focus rings on the other navy surfaces. */
.hiw-follow :focus-visible,
.hiw-role-feature :focus-visible {
  outline-color: rgba(255, 255, 255, 0.9);
}

@media (max-width: 820px) {
  .hiw-follow {
    flex-direction: column;
    text-align: center;
    gap: 18px;
    padding: 24px 20px;
  }

  .hiw-follow-text {
    max-width: none;
  }

  .hiw-follow .footer-social {
    flex-wrap: wrap;
    justify-content: center;
  }
}

/* --------------------------------------------------------------------------
   7. Small screens & reduced motion
   -------------------------------------------------------------------------- */
@media (max-width: 560px) {
  .hiw-hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .hiw-hero-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .hiw-role {
    padding: 26px 20px;
  }

  .hiw-role-name {
    font-size: 17px;
  }

  .hiw-help-card {
    padding: 22px 18px;
  }

  .hiw-follow-section {
    padding-bottom: 64px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .hiw-role,
  .hiw-faq-more,
  .hiw-faq-more svg {
    transition: none;
  }

  .hiw-role:hover {
    transform: none;
  }

  .hiw-faq-more:hover svg {
    transform: none;
  }
}

/* ---------- products ---------- */
/* ==========================================================================
   MOOVON SpreadPay™ — page fragment: /products  (04 — For Customers)
   Every selector below is prefixed `.products-` so this fragment cannot
   collide with another page's fragment. Existing design-system classes
   (.ops-card, .elig-policy-list, .hiw-grid, .product-tier-card, .footer-social,
   .cta-buttons-group, .alert-box-*) carry the base look; the rules here only
   add the page-specific composition.
   ========================================================================== */

/* --------------------------------------------------------------------------
   Hero — "Keep Moving."
   -------------------------------------------------------------------------- */
.products-hero-lead {
  font-family: var(--font-heading);
  font-size: clamp(18px, 2.4vw, 24px);
  font-weight: 800;
  line-height: 1.35;
  letter-spacing: -0.2px;
  color: #FFFFFF;
  max-width: 620px;
  margin: 0 auto 12px;
}

.page-hero-title .hero-highlight-red {
  color: var(--accent-red);
}

/* Inherits .cta-buttons-group (flex row; stacks full-width under 820px). */
.products-hero-actions {
  justify-content: center;
  flex-wrap: wrap;
  flex-shrink: 1;
  margin-top: 28px;
}

/* --------------------------------------------------------------------------
   "One annual premium. Flexible ways to pay." + Why it matters
   -------------------------------------------------------------------------- */
.products-promise-section {
  padding: 66px 0 10px;
  background: var(--bg-page);
}

.products-promise-grid {
  display: grid;
  grid-template-columns: 1.25fr 1fr;
  gap: 28px;
  align-items: stretch;
}

/* Grid children default to min-width:auto, which lets long words inflate the
   track past the viewport; body{overflow-x:hidden} then clips instead of
   scrolling. min-width:0 lets the tracks shrink normally. */
.products-promise-grid > *,
.products-pay-grid > *,
.products-support-grid > *,
.products-choice-grid > * {
  min-width: 0;
  margin-bottom: 0;
}

.products-promise {
  background: linear-gradient(140deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
  border-color: transparent;
  color: #FFFFFF;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.products-promise-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 58px;
  height: 58px;
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.22);
  color: #FFFFFF;
  margin-bottom: 20px;
}

.products-promise-title {
  font-family: var(--font-heading);
  font-size: clamp(22px, 2.6vw, 28px);
  font-weight: 900;
  line-height: 1.25;
  letter-spacing: -0.5px;
  color: #FFFFFF;
  margin-bottom: 14px;
  max-width: 18ch;
}

.products-promise-text {
  font-size: 15px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.9);
}

.products-promise-note {
  margin-top: 20px;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  font-size: 13px;
  line-height: 1.6;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.78);
}

.products-why {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.products-why-list {
  gap: 15px;
}

.products-why-list li {
  align-items: flex-start;
}

.products-why-list svg {
  margin-top: 2px;
}

/* --------------------------------------------------------------------------
   The 6-step journey (reuses .hiw-grid / .hiw-card)
   -------------------------------------------------------------------------- */
.products-journey {
  grid-template-columns: repeat(auto-fit, minmax(212px, 1fr));
}

.products-journey-foot {
  text-align: center;
  margin-top: 40px;
}

/* --------------------------------------------------------------------------
   Flexible ways to pay — the three SpreadPay options
   -------------------------------------------------------------------------- */
.products-tiers-section .tier-specs-list {
  margin-bottom: 20px;
}

/* Long band values ("GH₵1,501 – GH₵15,000") must be able to wrap rather than
   push the row wider than the card. */
.products-tiers-section .tier-spec-item {
  gap: 12px;
  align-items: flex-start;
}

.products-tiers-section .tier-spec-label,
.products-tiers-section .tier-spec-value {
  min-width: 0;
}

.products-tier-note {
  margin-top: 4px;
  padding-top: 16px;
  border-top: 1px solid var(--border-subtle);
  font-size: 12.5px;
  line-height: 1.6;
  color: var(--text-sub);
}

.products-tiers-note {
  margin-top: 34px;
  line-height: 1.65;
}

.products-tiers-note strong {
  display: block;
  margin-bottom: 4px;
}

/* --------------------------------------------------------------------------
   Responsible payment
   -------------------------------------------------------------------------- */
.products-pay-section {
  padding: 80px 0;
  background: #FFFFFF;
}

.products-pay-grid {
  display: grid;
  /* min() so the track can fall below 300px on a 320px screen instead of
     forcing the row wider than the container. */
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr));
  gap: 28px;
  align-items: start;
}

.products-card-lead {
  font-size: 14.5px;
  line-height: 1.7;
  color: var(--text-muted);
}

/* Plain-text flow diagram: pills joined by arrow glyphs. No SVG, so it still
   reads correctly if this fragment has not loaded. */
.products-steps {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin: 22px 0 0;
}

.products-step {
  display: inline-flex;
  align-items: center;
  padding: 9px 15px;
  border-radius: var(--radius-full);
  background: var(--primary-navy-soft);
  border: 1px solid rgba(27, 91, 170, 0.18);
  font-family: var(--font-heading);
  font-size: 12.5px;
  font-weight: 800;
  line-height: 1.3;
  color: var(--primary-navy-dark);
}

.products-step-strong {
  background: var(--accent-red-soft);
  border-color: rgba(204, 30, 65, 0.22);
  color: var(--accent-red-hover);
}

.products-step-arrow {
  font-size: 17px;
  font-weight: 700;
  line-height: 1;
  color: var(--border-medium);
}

.products-tip {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-top: 24px;
  padding: 16px 18px;
  border-radius: var(--radius-lg);
  background: var(--primary-navy-soft);
  border: 1px solid rgba(27, 91, 170, 0.14);
}

.products-tip-img {
  width: 78px;
  height: auto;
  flex-shrink: 0;
}

.products-tip-body {
  min-width: 0;
}

.products-tip-title {
  font-family: var(--font-heading);
  font-size: 11.5px;
  font-weight: 800;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--accent-red-hover);
  margin-bottom: 5px;
}

.products-tip-body p {
  font-size: 13.5px;
  font-weight: 600;
  line-height: 1.6;
  color: var(--primary-navy-dark);
}

/* --------------------------------------------------------------------------
   Know before you agree · Help · Your SpreadPay account
   -------------------------------------------------------------------------- */
.products-support-section {
  padding: 80px 0;
  background: var(--bg-page);
}

.products-support-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 276px), 1fr));
  gap: 28px;
  align-items: stretch;
}

.products-support-card {
  display: flex;
  flex-direction: column;
}

.products-check-list {
  margin-top: 6px;
}

.products-support-btn {
  align-self: flex-start;
  margin-top: 20px;
  max-width: 100%;
  white-space: normal;
  text-align: left;
}

.products-support-btn svg {
  flex-shrink: 0;
}

.products-card-foot {
  margin-top: auto;
  padding-top: 18px;
  font-size: 13.5px;
  font-weight: 700;
  color: var(--primary-navy);
}

/* My SpreadPay Phone Showcase inside support section */
.products-myspreadpay-card {
  display: flex;
  flex-direction: row;
  align-items: center;
  gap: 22px;
}

.products-myspreadpay-phone {
  width: 110px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
}

.products-myspreadpay-phone img {
  width: 100%;
  max-width: 110px;
  height: auto;
  object-fit: contain;
  filter: drop-shadow(0 8px 18px rgba(11, 34, 101, 0.16));
}

.products-myspreadpay-info {
  flex: 1;
  min-width: 0;
}

@media (max-width: 680px) {
  .products-myspreadpay-card {
    flex-direction: column;
    text-align: center;
  }
  .products-myspreadpay-phone {
    width: 130px;
    margin: 0 auto 14px;
  }
  .products-myspreadpay-info .products-check-list {
    text-align: left;
  }
}

/* --------------------------------------------------------------------------
   Your insurer. Your policy. Your choice.
   -------------------------------------------------------------------------- */
.products-choice-section {
  padding: 80px 0 88px;
  background: #FFFFFF;
}

.products-choice-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(268px, 1fr));
  gap: 24px;
  align-items: stretch;
}

.products-choice-card {
  padding: 30px 26px;
  transition: var(--transition-spring);
}

.products-choice-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.products-choice-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: var(--accent-red-soft);
  color: var(--accent-red-hover);
  margin-bottom: 16px;
}

.products-choice-cta {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  margin-top: 38px;
}

/* --------------------------------------------------------------------------
   Compact "Follow Mr. Moovon" strip (R10), inside the navy pre-footer band so
   the shared .footer-social treatment reads correctly on a dark surface.
   -------------------------------------------------------------------------- */
.products-follow {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  margin-top: 40px;
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
}

.products-follow-copy {
  min-width: 0;
}

.products-follow-title {
  font-family: var(--font-heading);
  font-size: 19px;
  font-weight: 800;
  letter-spacing: -0.2px;
  color: #FFFFFF;
}

.products-follow-sub {
  margin-top: 4px;
  font-size: 14px;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.82);
}

.products-follow-social {
  margin: 0;
}

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1000px) {
  .products-promise-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .products-promise-title {
    max-width: none;
  }
}

@media (max-width: 820px) {
  .products-promise-section {
    padding-top: 52px;
  }

  .products-pay-section,
  .products-support-section,
  .products-choice-section {
    padding: 60px 0;
  }

  .products-hero-actions {
    margin-top: 24px;
  }

  .products-follow {
    margin-top: 30px;
  }
}

@media (max-width: 560px) {
  /* .ops-card ships 36px of padding, which leaves ~200px of content at 320px. */
  .products-promise,
  .products-why,
  .products-pay-card,
  .products-support-card,
  .products-choice-card {
    padding: 24px 20px;
  }

  .products-tiers-section .product-tier-card {
    padding: 28px 20px;
  }

  /* Flow diagram turns vertical; the arrow glyph turns with it. */
  .products-steps {
    flex-direction: column;
    align-items: stretch;
    gap: 8px;
  }

  .products-step {
    justify-content: center;
    text-align: center;
  }

  .products-step-arrow {
    text-align: center;
    transform: rotate(90deg);
  }

  .products-tip {
    flex-direction: column;
    text-align: center;
    gap: 12px;
  }

  .products-support-btn {
    align-self: stretch;
    justify-content: center;
    text-align: center;
  }

  .products-choice-cta .btn {
    width: 100%;
    justify-content: center;
  }

  .products-follow {
    justify-content: center;
    text-align: center;
  }

  .products-follow-social {
    justify-content: center;
    width: 100%;
  }
}

@media (prefers-reduced-motion: reduce) {
  .products-choice-card {
    transition: none;
  }

  .products-choice-card:hover {
    transform: none;
  }
}

/* ---------- partners ---------- */
/* ==========================================================================
   Find a Participating Insurance Partner (partners.html)
   Page-scoped fragment. Every new class is prefixed `.partners-` so it cannot
   collide with another page fragment. Existing design-system classes
   (.page-hero, .section-header, .partner-filters-bar, .partner-dir-card,
   .policy-badge-pill, .partner-result-count, .partner-dir-empty,
   .cta-banner-section, .btn*) are reused as-is and are NOT redefined here.
   Palette: navy / red / white only (R8).
   ========================================================================== */

/* --------------------------------------------------------------------------
   Hero add-ons — partner types + growing-network note
   -------------------------------------------------------------------------- */
.partners-hero-types {
  list-style: none;
  margin: 26px auto 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  max-width: 680px;
}

.partners-hero-type {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  min-width: 0;
  padding: 8px 16px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.22);
  color: #FFFFFF;
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.1px;
}

.partners-hero-type svg {
  flex-shrink: 0;
  opacity: 0.9;
}

.partners-hero-note {
  max-width: 620px;
  margin: 20px auto 0;
  font-size: 14px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.78);
}

/* --------------------------------------------------------------------------
   Directory section
   -------------------------------------------------------------------------- */
.partners-dir-section {
  padding: 72px 0 64px;
  background: var(--bg-page);
}

/* Tighter than the shared 40px so the result line reads as part of the bar. */
.partners-filters {
  margin-bottom: 18px;
}

.partners-search-wrap {
  position: relative;
  display: flex;
  align-items: center;
  flex: 1 1 280px;
  min-width: 0;
}

.partners-search-wrap > svg {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-light);
  pointer-events: none;
}

.partners-search-wrap .partner-search-field {
  width: 100%;
  min-width: 0;
  padding-left: 44px;
}

.partners-dir-status {
  display: flex;
  flex-wrap: wrap;
  align-items: baseline;
  justify-content: space-between;
  gap: 8px 18px;
  margin-bottom: 24px;
}

.partners-dir-status > * {
  min-width: 0;
}

.partners-dir-status .partner-result-count {
  margin-top: 0;
}

.partners-dir-order {
  font-size: 12.5px;
  font-weight: 600;
  color: var(--text-light);
}

/* --------------------------------------------------------------------------
   Directory card add-ons (the card shell itself is .partner-dir-card)
   -------------------------------------------------------------------------- */
.partners-card-id {
  min-width: 0;
}

.partners-card-note {
  font-size: 12.5px;
  line-height: 1.5;
  color: var(--text-muted);
  margin-bottom: 18px;
}

.partners-card-cta {
  width: 100%;
  padding: 10px 16px;
  font-size: 13.5px;
  white-space: normal;
  text-align: center;
}

.partners-card-cta svg {
  flex-shrink: 0;
}

/* The shared empty-state block styles an h4; this page uses an h3 so the
   heading order under the section h2 stays valid. */
.partners-dir-empty[hidden] {
  display: none;
}

.partners-dir-empty h3 {
  font-family: var(--font-heading);
  font-size: 16px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 6px;
}

.partners-dir-note {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-top: 28px;
  padding: 16px 20px;
  border: 1px solid var(--border-subtle);
  border-left: 3px solid var(--primary-navy);
  border-radius: var(--radius-md);
  background: var(--bg-surface);
  font-size: 13px;
  line-height: 1.6;
  color: var(--text-muted);
}

.partners-dir-note > svg {
  flex-shrink: 0;
  margin-top: 1px;
  color: var(--primary-navy);
}

.partners-dir-note > span {
  min-width: 0;
}

/* --------------------------------------------------------------------------
   Growing network / HelpDesk band
   -------------------------------------------------------------------------- */
.partners-helpdesk-section {
  padding: 0 0 72px;
  background: var(--bg-page);
}

.partners-helpdesk-card {
  position: relative;
  overflow: hidden;
  display: grid;
  grid-template-columns: 210px minmax(0, 1fr);
  align-items: end;
  gap: 28px;
  padding: 32px 40px 0;
  border-radius: var(--radius-xl);
  background: linear-gradient(135deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
  color: #FFFFFF;
  box-shadow: var(--shadow-lg);
}

.partners-helpdesk-card > * {
  min-width: 0;
}

.partners-helpdesk-art {
  align-self: end;
  line-height: 0;
}

.partners-helpdesk-art img {
  display: block;
  width: 100%;
  height: auto;
  max-width: 210px;
  filter: drop-shadow(0 18px 26px rgba(5, 26, 51, 0.4));
}

.partners-helpdesk-body {
  padding: 8px 0 40px;
}

.partners-helpdesk-tag {
  display: inline-block;
  margin-bottom: 12px;
  padding: 5px 14px;
  border-radius: var(--radius-full);
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.24);
  font-family: var(--font-heading);
  font-size: 11.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.partners-helpdesk-title {
  font-family: var(--font-heading);
  font-size: 28px;
  font-weight: 900;
  letter-spacing: -0.5px;
  line-height: 1.2;
  margin-bottom: 10px;
}

.partners-helpdesk-text {
  font-size: 15px;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.86);
  max-width: 620px;
  margin-bottom: 22px;
}

.partners-helpdesk-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

/* --------------------------------------------------------------------------
   Who does what — role clarity
   -------------------------------------------------------------------------- */
.partners-roles-section {
  padding: 0 0 76px;
  background: var(--bg-page);
}

.partners-roles-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}

.partners-roles-grid > * {
  min-width: 0;
}

.partners-role-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.partners-role-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border-radius: var(--radius-md);
  background: var(--primary-navy-soft);
  color: var(--primary-navy);
  margin-bottom: 16px;
}

.partners-role-title {
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 800;
  color: var(--primary-navy);
  line-height: 1.3;
  margin-bottom: 8px;
}

.partners-role-text {
  font-size: 14px;
  line-height: 1.65;
  color: var(--text-muted);
}

.partners-roles-note {
  margin-top: 24px;
  padding: 16px 20px;
  border-radius: var(--radius-md);
  background: var(--accent-red-soft);
  border: 1px solid rgba(204, 30, 65, 0.18);
  font-size: 13px;
  line-height: 1.6;
  color: var(--text-muted);
  text-align: center;
}

/* --------------------------------------------------------------------------
   Compact "Follow Mr. Moovon" strip (R10)
   -------------------------------------------------------------------------- */
.partners-follow-section {
  padding: 0 0 76px;
  background: var(--bg-page);
}

.partners-follow-card {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 20px 28px;
  padding: 24px 28px;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  background: var(--bg-surface);
  box-shadow: var(--shadow-sm);
}

.partners-follow-card > * {
  min-width: 0;
}

.partners-follow-title {
  font-family: var(--font-heading);
  font-size: 19px;
  font-weight: 900;
  color: var(--primary-navy);
  margin-bottom: 4px;
}

.partners-follow-text {
  font-size: 13.5px;
  line-height: 1.55;
  color: var(--text-muted);
}

.partners-follow-links {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin: 0;
  padding: 0;
}

.partners-follow-links a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: var(--radius-md);
  background: var(--primary-navy-soft);
  border: 1px solid var(--border-subtle);
  color: var(--primary-navy);
  transition: var(--transition-smooth);
}

.partners-follow-links a:hover,
.partners-follow-links a:focus-visible {
  background: var(--accent-red);
  border-color: var(--accent-red);
  color: #FFFFFF;
  transform: translateY(-2px);
}

.partners-follow-links svg {
  width: 19px;
  height: 19px;
}

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1100px) {
  .partners-roles-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 820px) {
  .partners-dir-section {
    padding: 52px 0 48px;
  }

  .partners-helpdesk-section,
  .partners-roles-section,
  .partners-follow-section {
    padding-bottom: 52px;
  }

  .partners-helpdesk-card {
    grid-template-columns: 1fr;
    justify-items: center;
    text-align: center;
    padding: 28px 24px 0;
    gap: 4px;
  }

  /* Character drops below the copy on narrow screens so the message leads. */
  .partners-helpdesk-art {
    order: 2;
  }

  .partners-helpdesk-art img {
    max-width: 168px;
  }

  .partners-helpdesk-body {
    order: 1;
    padding: 4px 0 8px;
  }

  .partners-helpdesk-text {
    margin-left: auto;
    margin-right: auto;
  }

  .partners-helpdesk-actions {
    justify-content: center;
  }

  .partners-helpdesk-title {
    font-size: 24px;
  }

  .partners-roles-grid {
    grid-template-columns: 1fr;
    gap: 18px;
  }

  .partners-follow-card {
    flex-direction: column;
    text-align: center;
  }

  .partners-follow-links {
    justify-content: center;
  }
}

@media (max-width: 600px) {
  .partners-hero-types {
    gap: 8px;
  }

  .partners-hero-type {
    font-size: 12px;
    padding: 7px 13px;
  }

  .partners-filters {
    padding: 16px;
  }

  .partners-dir-status {
    margin-bottom: 18px;
  }

  .partners-helpdesk-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .partners-dir-note {
    padding: 14px 16px;
    font-size: 12.5px;
  }

  .partners-role-card {
    padding: 22px;
  }
}

@media (max-width: 380px) {
  .partners-hero-type {
    width: 100%;
    justify-content: center;
  }

  .partners-helpdesk-card {
    padding: 24px 16px 0;
  }

  .partners-follow-card {
    padding: 20px 16px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .partners-follow-links a:hover,
  .partners-follow-links a:focus-visible {
    transform: none;
  }
}

/* ---------- for-partners ---------- */
/* ==========================================================================
   MOOVON SpreadPay™ — Partner with Moovon (for-partners.html)
   Page CSS fragment. Every selector is prefixed .for-partners-* so this file
   cannot collide with another page fragment. Layout, cards, steppers, tables
   and buttons all come from styles.css wherever an existing class fits.
   Tokens only — no hard-coded brand hexes. Navy / red / white (R8).
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Hero — "Let's Move Insurance Forward."
   Extends .page-hero: left-aligned executive layout with Mr. Moovon at right.
   -------------------------------------------------------------------------- */
.for-partners-hero {
  text-align: left;
  padding: 56px 0 52px;
}

/* Sits above the .page-hero ::before glow and ::after dot grid, both of which
   are positioned pseudo-elements and would otherwise paint over static text. */
.for-partners-hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(0, 0.88fr);
  gap: 40px;
  align-items: center;
}

.for-partners-hero-grid > * {
  min-width: 0;
}

.for-partners-hero-copy .page-hero-subtitle {
  margin: 0;
  max-width: 560px;
}

.for-partners-hero-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 26px;
}

/* White-outline action for dark bands (hero + pre-footer CTA). */
.for-partners-btn-ghost {
  background: rgba(255, 255, 255, 0.10);
  color: #FFFFFF;
  border: 1.5px solid rgba(255, 255, 255, 0.42);
  box-shadow: none;
}

.for-partners-btn-ghost:hover,
.for-partners-btn-ghost:focus-visible {
  background: #FFFFFF;
  border-color: #FFFFFF;
  color: var(--primary-navy-dark);
  transform: translateY(-2px);
}

.for-partners-hero-note {
  margin-top: 26px;
  max-width: 620px;
  padding-left: 14px;
  border-left: 2px solid rgba(255, 255, 255, 0.28);
  font-size: 12.5px;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.74);
}

.for-partners-hero-art {
  display: flex;
  justify-content: center;
}

.for-partners-hero-art img {
  width: 100%;
  max-width: 320px;
  height: auto;
  filter: drop-shadow(0 24px 38px rgba(4, 12, 36, 0.45));
}

/* --------------------------------------------------------------------------
   2. Alternating modern subtle backgrounds for For-Partners sections
   -------------------------------------------------------------------------- */
.for-partners-section {
  padding: 84px 0;
  position: relative;
}

/* 1. The Proposition: Clean white with subtle highlight */
.for-partners-proposition-section {
  background: #FFFFFF;
  border-bottom: 1px solid var(--border-subtle);
}

/* 2. Who We Work With: Modern soft blue-slate tint with subtle micro-dots */
.for-partners-types-section {
  background: linear-gradient(180deg, #F3F7FD 0%, #EBF2FA 100%);
  background-image: 
    radial-gradient(circle at 15% 20%, rgba(27, 91, 170, 0.05) 0%, transparent 40%),
    radial-gradient(circle at 85% 80%, rgba(204, 30, 65, 0.03) 0%, transparent 40%),
    radial-gradient(rgba(27, 91, 170, 0.12) 1px, transparent 1px);
  background-size: 100% 100%, 100% 100%, 28px 28px;
  border-bottom: 1px solid var(--border-subtle);
}

.for-partners-types-section .for-partners-card {
  background: #FFFFFF;
  box-shadow: 0 4px 20px rgba(11, 34, 101, 0.06);
  border-color: rgba(27, 91, 170, 0.14);
}

.for-partners-types-section .for-partners-eco {
  background: #FFFFFF;
  box-shadow: 0 6px 24px rgba(11, 34, 101, 0.08);
  border-color: rgba(27, 91, 170, 0.14);
}

/* 3. Partner Benefits: Crisp white with glowing top radial glow */
.for-partners-benefits-section {
  background: #FFFFFF;
  background-image: radial-gradient(ellipse at 50% 0%, rgba(27, 91, 170, 0.04) 0%, transparent 60%);
  border-bottom: 1px solid var(--border-subtle);
}

.for-partners-benefits-section .for-partners-card {
  background: #F8FAFD;
  border: 1px solid rgba(27, 91, 170, 0.1);
}

.for-partners-benefits-section .for-partners-card:hover {
  background: #FFFFFF;
  box-shadow: 0 10px 26px rgba(11, 34, 101, 0.10);
  border-color: rgba(27, 91, 170, 0.3);
}

/* 4. How the Partnership Works: Soft cool tint */
.for-partners-steps-section {
  background: linear-gradient(180deg, #F8FAFD 0%, #F1F5FA 100%);
  border-bottom: 1px solid var(--border-subtle);
}

/* --------------------------------------------------------------------------
   3. Shared card rows (proposition, who we work with, benefits)
   -------------------------------------------------------------------------- */
.for-partners-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.for-partners-grid-3 > * {
  min-width: 0;
}

/* Modernized "Who We Work With" Partner Type Cards */
.partner-types-grid {
  gap: 24px;
}

.partner-type-card {
  position: relative;
  background: #FFFFFF;
  border-radius: 20px;
  padding: 34px 28px;
  border: 1px solid rgba(27, 91, 170, 0.12);
  box-shadow: 0 8px 30px rgba(11, 34, 101, 0.05);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
  overflow: hidden;
}

.partner-type-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--primary-navy);
  opacity: 0;
  transition: opacity 0.3s ease;
}

.partner-type-card--navy::before {
  background: linear-gradient(90deg, #0B2265 0%, #1B5BAA 100%);
}

.partner-type-card--red::before {
  background: linear-gradient(90deg, #CC1E41 0%, #E8335A 100%);
}

.partner-type-card--blue::before {
  background: linear-gradient(90deg, #1B5BAA 0%, #3B82F6 100%);
}

.partner-type-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 42px rgba(11, 34, 101, 0.11);
  border-color: rgba(27, 91, 170, 0.28);
}

.partner-type-card:hover::before {
  opacity: 1;
}

.partner-type-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 22px;
}

.partner-type-badge {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 58px;
  height: 58px;
  border-radius: 16px;
  color: #FFFFFF;
  box-shadow: 0 6px 16px rgba(11, 34, 101, 0.18);
  transition: transform 0.3s ease;
}

.partner-type-card:hover .partner-type-badge {
  transform: scale(1.06);
}

.partner-type-badge svg {
  width: 28px;
  height: 28px;
}

.partner-type-badge--navy {
  background: linear-gradient(135deg, #0B2265 0%, #1B5BAA 100%);
}

.partner-type-badge--red {
  background: linear-gradient(135deg, #CC1E41 0%, #F04468 100%);
  box-shadow: 0 6px 16px rgba(204, 30, 65, 0.25);
}

.partner-type-badge--blue {
  background: linear-gradient(135deg, #1B5BAA 0%, #2563EB 100%);
}

.partner-type-pill {
  font-family: var(--font-heading);
  font-size: 11.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  padding: 5px 12px;
  border-radius: 100px;
  background: rgba(11, 34, 101, 0.05);
  color: var(--primary-navy);
}

.partner-type-card--red .partner-type-pill {
  background: rgba(204, 30, 65, 0.08);
  color: var(--accent-red);
}

.partner-type-title {
  font-family: var(--font-heading);
  font-size: 18.5px;
  font-weight: 800;
  line-height: 1.35;
  color: var(--primary-navy);
  margin-bottom: 12px;
}

.partner-type-desc {
  font-size: 14px;
  line-height: 1.65;
  color: var(--text-muted);
  margin: 0;
}

.for-partners-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 26px 24px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition-smooth);
}

.for-partners-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: rgba(27, 91, 170, 0.28);
}

.for-partners-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: var(--primary-navy-soft);
  color: var(--primary-navy);
  margin-bottom: 16px;
}

.for-partners-icon svg {
  width: 24px;
  height: 24px;
}

.for-partners-icon-red {
  background: var(--accent-red-soft);
  color: var(--accent-red);
}

.for-partners-card-title {
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 800;
  line-height: 1.3;
  color: var(--primary-navy);
  margin-bottom: 8px;
}

.for-partners-card-text {
  font-size: 14px;
  line-height: 1.65;
  color: var(--text-muted);
}

/* Regulatory statements read as notes, not as body copy. */
.for-partners-compliance {
  margin-top: 28px;
  line-height: 1.7;
}

/* --------------------------------------------------------------------------
   3. Four-party ecosystem strip
   -------------------------------------------------------------------------- */
.for-partners-eco {
  margin-top: 32px;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
  padding: 30px 26px 26px;
}

.for-partners-eco-title {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  color: var(--primary-navy);
  text-align: center;
  margin-bottom: 26px;
}

.for-partners-eco-row {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.for-partners-eco-node {
  position: relative;
  text-align: center;
  min-width: 0;
}

/* Dotted run between nodes; 34px clears the icon radius at both ends. */
.for-partners-eco-node:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 27px;
  left: calc(50% + 38px);
  width: calc(100% - 76px);
  border-top: 2px dotted var(--border-medium);
}

.for-partners-eco-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--primary-navy-soft);
  color: var(--primary-navy);
  margin-bottom: 14px;
}

.for-partners-eco-icon svg {
  width: 26px;
  height: 26px;
}

.for-partners-eco-icon-red {
  background: var(--accent-red-soft);
  color: var(--accent-red);
}

.for-partners-eco-name {
  font-family: var(--font-heading);
  font-size: 14.5px;
  font-weight: 800;
  color: var(--primary-navy-dark);
  margin-bottom: 6px;
  line-height: 1.35;
}

.for-partners-eco-text {
  font-size: 13px;
  line-height: 1.6;
  color: var(--text-muted);
}

.for-partners-eco-note {
  margin-top: 24px;
  padding-top: 18px;
  border-top: 1px solid var(--border-subtle);
  font-size: 13.5px;
  line-height: 1.65;
  color: var(--text-muted);
  text-align: center;
}

.for-partners-steps .hiw-flow {
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 16px;
}

@media (max-width: 1024px) {
  .for-partners-steps .hiw-flow {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 24px;
  }
}

@media (max-width: 640px) {
  .for-partners-steps .hiw-flow {
    grid-template-columns: 1fr;
    gap: 28px;
  }
}

.for-partners-steps .hiw-step-icon svg {
  width: 38px;
  height: 38px;
}

.for-partners-steps .hiw-step-desc {
  max-width: 28ch;
}

/* Product capability (tier names only — no rates, fees or parameters, R5/R6) */
.for-partners-capability {
  margin-top: 44px;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-sm);
  padding: 28px 26px;
}

.for-partners-capability-title {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 8px;
}

.for-partners-capability-lead {
  font-size: 14px;
  line-height: 1.65;
  color: var(--text-muted);
  margin-bottom: 20px;
  max-width: 70ch;
}

.for-partners-tiers {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.for-partners-tier {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  min-width: 0;
  background: var(--bg-page);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 16px;
}

.for-partners-tier-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: var(--radius-sm);
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  color: var(--accent-red);
  flex-shrink: 0;
}

.for-partners-tier-mark svg {
  width: 19px;
  height: 19px;
}

.for-partners-tier-copy {
  min-width: 0;
}

.for-partners-tier-copy strong {
  display: block;
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 3px;
}

.for-partners-tier-copy span {
  display: block;
  font-size: 13px;
  line-height: 1.55;
  color: var(--text-muted);
}

/* --------------------------------------------------------------------------
   5. Partner Portal panel + request-access form
   -------------------------------------------------------------------------- */
.for-partners-portal-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: 28px;
  align-items: start;
}

.for-partners-portal-grid > * {
  min-width: 0;
}

.for-partners-portal-card {
  background: linear-gradient(150deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
  color: #FFFFFF;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  padding: 34px 30px;
}

.for-partners-portal-title {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 900;
  margin-bottom: 10px;
}

.for-partners-portal-lead {
  font-size: 14px;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.86);
}

.for-partners-portal-list {
  list-style: none;
  margin: 20px 0 0;
  padding: 0;
  display: grid;
  gap: 12px;
}

.for-partners-portal-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  min-width: 0;
  font-size: 14px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.9);
}

.for-partners-portal-list svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  margin-top: 2px;
}

.for-partners-portal-note {
  margin-top: 22px;
  padding: 14px 16px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius-md);
  font-size: 13px;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.82);
}

.for-partners-portal-contact {
  list-style: none;
  margin: 20px 0 0;
  padding: 0;
  display: grid;
  gap: 12px;
}

.for-partners-portal-contact li {
  display: flex;
  align-items: center;
  gap: 10px;
  min-width: 0;
  font-size: 13.5px;
  color: rgba(255, 255, 255, 0.9);
}

.for-partners-portal-contact svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.for-partners-portal-contact a {
  color: #FFFFFF;
  border-bottom: 1px solid rgba(255, 255, 255, 0.35);
  overflow-wrap: anywhere;
  transition: var(--transition-smooth);
}

.for-partners-portal-contact a:hover {
  border-bottom-color: #FFFFFF;
}

.for-partners-form-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  padding: 32px 28px;
}

.for-partners-form-title {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 900;
  color: var(--primary-navy);
  margin-bottom: 8px;
}

.for-partners-form-lead {
  font-size: 13.5px;
  line-height: 1.65;
  color: var(--text-muted);
  margin-bottom: 22px;
}

.for-partners-form-submit {
  width: 100%;
  border-radius: var(--radius-sm);
  white-space: normal;
}

.for-partners-form-status {
  font-size: 13px;
  line-height: 1.6;
  color: var(--text-muted);
  margin-top: 12px;
}

/* --------------------------------------------------------------------------
   6. Compact "Follow Mr. Moovon" strip (R10)
   -------------------------------------------------------------------------- */
.for-partners-follow {
  padding: 34px 0;
  background: var(--primary-navy-soft);
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
}

.for-partners-follow-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 18px 26px;
  text-align: center;
}

.for-partners-follow-title {
  font-family: var(--font-heading);
  font-size: 19px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 4px;
}

.for-partners-follow-text {
  font-size: 13.5px;
  line-height: 1.6;
  color: var(--text-muted);
}

.for-partners-social {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 10px;
  margin: 0;
  padding: 0;
}

.for-partners-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  color: var(--primary-navy);
  box-shadow: var(--shadow-xs);
  transition: var(--transition-smooth);
}

.for-partners-social a:hover,
.for-partners-social a:focus-visible {
  background: var(--accent-red);
  border-color: var(--accent-red);
  color: #FFFFFF;
  transform: translateY(-2px);
}

.for-partners-social svg {
  width: 19px;
  height: 19px;
}

/* --------------------------------------------------------------------------
   7. Pre-footer CTA — long partnership label must be allowed to wrap
   -------------------------------------------------------------------------- */
.for-partners-cta .cta-buttons-group .btn {
  white-space: normal;
  text-align: center;
}

/* --------------------------------------------------------------------------
   8. Responsive — nothing may scroll sideways at 390px or 320px
   -------------------------------------------------------------------------- */
@media (max-width: 1024px) {
  .for-partners-hero-grid {
    grid-template-columns: 1fr;
    gap: 28px;
    text-align: center;
  }

  .for-partners-hero {
    text-align: center;
  }

  .for-partners-hero-copy .page-hero-subtitle {
    margin: 0 auto;
  }

  .for-partners-hero-cta {
    justify-content: center;
  }

  .for-partners-hero-note {
    margin-left: auto;
    margin-right: auto;
    text-align: left;
  }

  /* Copy stays first at every width so the headline leads the fold. */
  .for-partners-hero-art img {
    max-width: 210px;
  }

  .for-partners-eco-row {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 26px 20px;
  }

  .for-partners-eco-node:nth-child(2n)::after {
    display: none;
  }
}

@media (max-width: 940px) {
  .for-partners-grid-3,
  .for-partners-tiers {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .for-partners-portal-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 700px) {
  .for-partners-hero {
    padding: 40px 0 36px;
  }

  .for-partners-hero-cta .btn {
    flex: 1 1 100%;
    justify-content: center;
  }

  .for-partners-grid-3,
  .for-partners-tiers,
  .for-partners-eco-row {
    grid-template-columns: 1fr;
  }

  /* Stacked: the dotted run turns vertical between one node and the next. */
  .for-partners-eco-node:not(:last-child)::after,
  .for-partners-eco-node:nth-child(2n)::after {
    display: block;
    top: auto;
    bottom: -18px;
    left: 50%;
    width: 0;
    height: 12px;
    border-top: 0;
    border-left: 2px dotted var(--border-medium);
  }

  .for-partners-eco {
    padding: 24px 18px;
  }

  .for-partners-eco-row {
    gap: 34px;
  }

  .for-partners-card,
  .for-partners-capability,
  .for-partners-portal-card,
  .for-partners-form-card {
    padding: 22px 18px;
  }

  .for-partners-follow-inner {
    flex-direction: column;
    gap: 16px;
  }
}

@media (max-width: 380px) {
  .for-partners-hero-art img {
    max-width: 170px;
  }

  .for-partners-tier {
    flex-direction: column;
    gap: 10px;
  }

  .for-partners-social a {
    width: 40px;
    height: 40px;
  }
}

/* --------------------------------------------------------------------------
   9. Reduced motion
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  .for-partners-card,
  .for-partners-social a,
  .for-partners-btn-ghost,
  .for-partners-portal-contact a {
    transition: none;
  }

  .for-partners-card:hover,
  .for-partners-social a:hover,
  .for-partners-social a:focus-visible,
  .for-partners-btn-ghost:hover,
  .for-partners-btn-ghost:focus-visible {
    transform: none;
  }
}

/* ---------- faqs ---------- */
/* ==========================================================================
   MOOVON SpreadPay™ — FAQs page fragment (faqs.html)
   Every new class is prefixed .faqs-*. Everything else on the page reuses
   existing system classes (.page-hero, .section-header, .faq-item,
   .faq-question, .faq-answer, .faq-cat-link, .faq-tag-btn, .btn*,
   .cta-banner-section, .form-control, .container).
   Palette: navy / red / white only (R8).
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. Assurance strip — white card lifted over the foot of the hero.
   Carries the R1 / R3 / R4 statements plus the HelpDesk route.
   -------------------------------------------------------------------------- */
.faq-hero-search-box {
  position: relative;
  max-width: 440px;
  margin-top: 24px;
}

.faq-hero-search-box .faqs-search-icon {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  width: 18px;
  height: 18px;
  color: var(--primary-navy);
  pointer-events: none;
}

.faq-hero-search-box .faq-hero-input {
  width: 100%;
  padding-left: 46px;
  padding-right: 18px;
  height: 50px;
  border-radius: 14px;
  border: 1.5px solid var(--border-medium);
  background: #FFFFFF;
  font-size: 15px;
  box-shadow: 0 4px 16px rgba(11, 34, 101, 0.06);
  transition: all 0.25s ease;
}

.faq-hero-search-box .faq-hero-input:focus {
  border-color: var(--primary-navy);
  box-shadow: 0 0 0 3px rgba(27, 91, 170, 0.18);
  outline: none;
}

.faqs-assure-section {
  position: relative;
  z-index: 2;
}

.faqs-assure {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 22px 26px;
  margin-top: -34px;
  padding: 26px 28px;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
}

.faqs-assure > * {
  min-width: 0;
}

.faqs-assure-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  min-width: 0;
}

.faqs-assure-icon {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: var(--radius-md);
  background: var(--primary-navy-soft);
  color: var(--primary-navy);
}

.faqs-assure-icon svg {
  width: 20px;
  height: 20px;
}

.faqs-assure-icon.faqs-icon-red {
  background: var(--accent-red-soft);
  color: var(--accent-red-hover);
}

.faqs-assure-copy {
  min-width: 0;
}

.faqs-assure-title {
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 3px;
}

.faqs-assure-text {
  font-size: 12.5px;
  line-height: 1.55;
  color: var(--text-muted);
  overflow-wrap: anywhere;
}

/* --------------------------------------------------------------------------
   2. Sidebar column — topic filter heading + HelpDesk card
   -------------------------------------------------------------------------- */
.faqs-cat-col {
  position: sticky;
  top: 100px;
}

.faqs-cat-heading {
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--text-sub);
  margin-bottom: 12px;
}

.faqs-side-card {
  margin-top: 20px;
  padding: 22px;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xs);
}

.faqs-side-title {
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 6px;
}

.faqs-side-text {
  font-size: 13px;
  line-height: 1.55;
  color: var(--text-muted);
  margin-bottom: 16px;
}

.faqs-side-card .btn {
  width: 100%;
  justify-content: center;
  font-size: 13.5px;
}

/* .btn is white-space:nowrap by default; these two sit in narrow containers
   at 320px, so let their labels wrap rather than push the layout wide. */
.faqs-side-card .btn,
.faqs-empty .btn {
  white-space: normal;
  text-align: center;
}

/* --------------------------------------------------------------------------
   3. Search + keyword pills + empty state
   -------------------------------------------------------------------------- */
.faqs-search {
  position: relative;
  min-width: 0;
}

.faqs-search .form-control {
  height: 50px;
  padding-left: 46px;
  min-width: 0;
}

.faqs-search-icon {
  position: absolute;
  left: 16px;
  top: 50%;
  width: 18px;
  height: 18px;
  transform: translateY(-50%);
  color: var(--text-sub);
  pointer-events: none;
}

.faqs-tag-row {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin: 14px 0 20px;
}

/* NOTE: no `display` property here — script.js drives #faqEmptyState via
   element.style.display, and the [hidden] attribute holds the initial state. */
.faqs-empty {
  padding: 46px 24px;
  text-align: center;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
}

.faqs-empty-icon {
  width: 44px;
  height: 44px;
  margin: 0 auto 14px;
  color: var(--accent-red);
}

.faqs-empty-title {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 6px;
}

.faqs-empty-text {
  font-size: 13.5px;
  color: var(--text-muted);
  margin-bottom: 18px;
}

/* --------------------------------------------------------------------------
   4. Accordion content — the h3 wrapper keeps the button as .faq-question
   -------------------------------------------------------------------------- */
.faqs-q {
  margin: 0;
  font: inherit;
}

.faqs-q-text {
  overflow-wrap: anywhere;
  padding-right: 14px;
}

.faqs-answer {
  overflow-wrap: anywhere;
}

.faqs-answer p + p,
.faqs-answer ul + p,
.faqs-answer p + ul {
  margin-top: 10px;
}

.faqs-answer ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.faqs-answer li {
  position: relative;
  padding-left: 20px;
}

.faqs-answer li::before {
  content: '';
  position: absolute;
  left: 2px;
  top: 8px;
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--accent-red);
}

.faqs-answer strong {
  color: var(--primary-navy-dark);
}

.faqs-answer a {
  color: var(--accent-red-hover);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.faqs-answer a:hover {
  color: var(--primary-navy);
}

.faqs-answer-note {
  margin-top: 12px;
  padding: 12px 16px;
  background: var(--primary-navy-soft);
  border-left: 3px solid var(--primary-navy);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 13px;
  color: var(--primary-navy-dark);
}

/* --------------------------------------------------------------------------
   5. "Who does what?" role-clarity band (R1 / R2 / R3)
   -------------------------------------------------------------------------- */
.faqs-roles-section {
  padding: 72px 0;
  background: var(--primary-navy-soft);
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
}

.faqs-roles-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 22px;
}

.faqs-roles-grid > * {
  min-width: 0;
}

.faqs-role-card {
  padding: 28px 26px;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  min-width: 0;
}

.faqs-role-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  margin-bottom: 14px;
  border-radius: var(--radius-md);
  background: var(--primary-navy);
  color: #FFFFFF;
}

.faqs-role-icon svg {
  width: 21px;
  height: 21px;
}

.faqs-role-icon.faqs-icon-red {
  background: var(--accent-red);
}

.faqs-role-title {
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 8px;
  overflow-wrap: anywhere;
}

.faqs-role-text {
  font-size: 14px;
  line-height: 1.6;
  color: var(--text-muted);
}

.faqs-role-note {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-top: 24px;
  padding: 22px 26px;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-left: 4px solid var(--accent-red);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xs);
}

.faqs-role-note svg {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  margin-top: 2px;
  color: var(--accent-red);
}

.faqs-role-note p {
  font-size: 14px;
  line-height: 1.6;
  color: var(--text-main);
  min-width: 0;
}

.faqs-role-note a {
  color: var(--accent-red-hover);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}

/* --------------------------------------------------------------------------
   6. "Still need help?" band — sits inside .cta-banner-section
   -------------------------------------------------------------------------- */
.faqs-help-band {
  display: grid;
  grid-template-columns: 200px minmax(0, 1fr);
  gap: 36px;
  align-items: center;
}

.faqs-help-band > * {
  min-width: 0;
}

.faqs-help-figure {
  margin: 0;
}

.faqs-help-figure img {
  width: 100%;
  max-width: 200px;
  height: auto;
  margin: 0 auto;
}

.faqs-help-title {
  font-family: var(--font-heading);
  font-size: 30px;
  font-weight: 900;
  letter-spacing: -0.5px;
  line-height: 1.2;
  margin-bottom: 8px;
}

.faqs-help-sub {
  font-size: 15px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.85);
  max-width: 620px;
}

.faqs-help-routes {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin-top: 24px;
}

.faqs-help-route {
  display: block;
  width: 100%;
  min-width: 0;
  padding: 18px 20px;
  font: inherit;
  text-align: left;
  color: #FFFFFF;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-lg);
  cursor: pointer;
  transition: var(--transition-smooth);
}

.faqs-help-route:hover {
  background: rgba(255, 255, 255, 0.16);
  border-color: rgba(255, 255, 255, 0.4);
  transform: translateY(-2px);
}

.faqs-help-route svg {
  width: 20px;
  height: 20px;
  margin-bottom: 10px;
  color: #FFFFFF;
}

.faqs-help-route-title {
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 800;
  margin-bottom: 3px;
  overflow-wrap: anywhere;
}

.faqs-help-route-text {
  font-size: 12.5px;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.78);
}

/* --------------------------------------------------------------------------
   7. Compact "Follow Mr. Moovon" strip (R10)
   -------------------------------------------------------------------------- */
.faqs-follow-section {
  padding: 44px 0;
  background: var(--bg-page);
}

.faqs-follow {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 20px 28px;
  padding: 24px 28px;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xs);
}

.faqs-follow-copy {
  min-width: 0;
}

.faqs-follow-title {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 4px;
}

.faqs-follow-text {
  font-size: 13.5px;
  line-height: 1.55;
  color: var(--text-muted);
  max-width: 520px;
}

.faqs-follow-links {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin: 0;
  padding: 0;
}

.faqs-follow-links a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: var(--primary-navy-soft);
  border: 1px solid var(--border-subtle);
  color: var(--primary-navy);
  transition: var(--transition-smooth);
}

.faqs-follow-links a:hover {
  background: var(--accent-red);
  border-color: var(--accent-red);
  color: #FFFFFF;
  transform: translateY(-2px);
}

.faqs-follow-links svg {
  width: 19px;
  height: 19px;
}

/* --------------------------------------------------------------------------
   8. Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1100px) {
  .faqs-cat-col {
    position: static;
    top: auto;
  }

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

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

  .faqs-help-band {
    grid-template-columns: 1fr;
    gap: 24px;
    text-align: center;
  }

  .faqs-help-figure img {
    max-width: 168px;
  }

  .faqs-help-sub {
    margin: 0 auto;
  }

  .faqs-help-routes {
    grid-template-columns: 1fr;
    text-align: left;
  }
}

@media (max-width: 820px) {
  .faqs-side-card {
    margin-top: 18px;
  }

  .faqs-help-title {
    font-size: 25px;
  }

  .faqs-roles-section {
    padding: 56px 0;
  }
}

@media (max-width: 640px) {
  .faqs-assure {
    grid-template-columns: 1fr;
    gap: 18px;
    margin-top: -24px;
    padding: 22px 20px;
  }

  .faqs-follow {
    flex-direction: column;
    align-items: flex-start;
    padding: 22px 20px;
  }

  .faqs-role-card {
    padding: 24px 20px;
  }

  .faqs-role-note {
    padding: 20px;
  }
}

@media (max-width: 400px) {
  .faqs-assure-item {
    gap: 12px;
  }

  .faqs-follow-links a {
    width: 40px;
    height: 40px;
  }

  .faqs-help-route {
    padding: 16px;
  }
}

/* --------------------------------------------------------------------------
   9. Reduced motion — kill the lift transforms as well as the durations
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  .faqs-help-route:hover,
  .faqs-follow-links a:hover {
    transform: none;
  }
}

/* ---------- contact ---------- */
/* ==========================================================================
   MOOVON SpreadPay™ — Contact / Mr. Moovon's HelpDesk (contact.html)
   Fragment: appended to styles.css. Every new class is prefixed .contact-*
   Palette: navy / red / white only (R8). The single green mark is the
   third-party WhatsApp glyph (.contact-wa-glyph).
   ========================================================================== */

/* --------------------------------------------------------------------------
   Section rhythm
   -------------------------------------------------------------------------- */
.contact-section {
  padding: 76px 0;
}

.contact-section-alt {
  background: #FFFFFF;
}

/* --------------------------------------------------------------------------
   Hero action row (inside .page-hero)
   -------------------------------------------------------------------------- */
.contact-hero-actions {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 14px;
  margin-top: 28px;
  position: relative;
  z-index: 1;
}

/* --------------------------------------------------------------------------
   Four contact routes
   -------------------------------------------------------------------------- */
.contact-routes {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 22px;
}

.contact-routes > * {
  min-width: 0;
}

.contact-route-card {
  display: flex;
  flex-direction: column;
  gap: 10px;
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition-smooth);
}

.contact-route-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(27, 91, 170, 0.28);
}

.contact-route-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border-radius: var(--radius-md);
  background: var(--primary-navy-soft);
  color: var(--primary-navy);
  flex-shrink: 0;
}

.contact-route-card:nth-child(4) .contact-route-icon {
  background: var(--accent-red-soft);
  color: var(--accent-red);
}

.contact-route-title {
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 800;
  color: var(--primary-navy);
  line-height: 1.3;
}

.contact-route-desc {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.6;
}

.contact-route-dest {
  font-size: 13px;
  font-weight: 700;
  color: var(--primary-navy-dark);
  margin-top: auto;
  padding-top: 10px;
  border-top: 1px dashed var(--border-subtle);
  overflow-wrap: anywhere;
}

.contact-route-dest-label {
  display: block;
  font-family: var(--font-heading);
  font-size: 10.5px;
  font-weight: 800;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--text-light);
  margin-bottom: 2px;
}

.contact-route-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-size: 13.5px;
  font-weight: 800;
  color: var(--accent-red);
  transition: var(--transition-smooth);
}

.contact-route-link svg {
  transition: var(--transition-smooth);
}

.contact-route-link:hover {
  color: var(--accent-red-hover);
}

.contact-route-link:hover svg {
  transform: translateX(4px);
}

/* --------------------------------------------------------------------------
   Mr. Moovon's HelpDesk panel (WhatsApp-first)
   -------------------------------------------------------------------------- */
.contact-helpdesk {
  position: relative;
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(0, 0.65fr);
  gap: 28px;
  align-items: end;
  background: linear-gradient(135deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
  color: #FFFFFF;
  border-radius: var(--radius-xl);
  padding: 44px;
  box-shadow: var(--shadow-xl);
  overflow: hidden;
}

.contact-helpdesk::before {
  content: '';
  position: absolute;
  top: -120px;
  right: -80px;
  width: 320px;
  height: 320px;
  border-radius: var(--radius-full);
  background: radial-gradient(circle, rgba(204, 30, 65, 0.30) 0%, rgba(204, 30, 65, 0) 70%);
  pointer-events: none;
}

.contact-helpdesk > * {
  min-width: 0;
  position: relative;
  z-index: 1;
}

.contact-helpdesk-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: var(--radius-full);
  padding: 6px 14px;
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.4px;
  margin-bottom: 16px;
}

/* Third-party brand mark — the only green permitted on the page (R8). */
.contact-wa-glyph {
  color: var(--whatsapp-green);
  flex-shrink: 0;
}

.contact-helpdesk-title {
  font-family: var(--font-heading);
  font-size: 30px;
  font-weight: 900;
  letter-spacing: -0.6px;
  line-height: 1.2;
  margin-bottom: 10px;
}

.contact-helpdesk-text {
  font-size: 15.5px;
  color: rgba(255, 255, 255, 0.88);
  line-height: 1.65;
  max-width: 56ch;
}

.contact-helpdesk-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

.contact-helpdesk-note {
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.7);
  margin-top: 12px;
  max-width: 56ch;
}

.contact-quicklinks-title {
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  color: rgba(255, 255, 255, 0.75);
  margin: 30px 0 12px;
}

.contact-quicklinks {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  gap: 10px;
  padding: 0;
  margin: 0;
}

.contact-quicklinks > li {
  min-width: 0;
}

.contact-quicklink {
  display: flex;
  align-items: center;
  gap: 10px;
  width: 100%;
  min-height: 48px;
  padding: 12px 14px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-md);
  color: #FFFFFF;
  font-family: var(--font-heading);
  font-size: 13.5px;
  font-weight: 700;
  text-align: left;
  cursor: pointer;
  transition: var(--transition-smooth);
}

.contact-quicklink svg {
  flex-shrink: 0;
}

.contact-quicklink:hover {
  background: rgba(255, 255, 255, 0.2);
  border-color: rgba(255, 255, 255, 0.42);
  transform: translateY(-2px);
}

.contact-helpdesk-figure {
  display: flex;
  justify-content: center;
  align-items: flex-end;
  align-self: end;
  margin-bottom: -44px;
}

.contact-helpdesk-figure img {
  width: 100%;
  max-width: 250px;
  height: auto;
  filter: drop-shadow(0 18px 30px rgba(5, 26, 51, 0.45));
}

/* --------------------------------------------------------------------------
   Contact details card additions (inside the existing .contact-info-card)
   -------------------------------------------------------------------------- */
.contact-info-lead {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.85);
  line-height: 1.6;
}

.contact-detail-body {
  flex: 1;
  min-width: 0;
}

.contact-detail-text {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.82);
  line-height: 1.55;
  margin-top: 2px;
}

.contact-detail-link {
  display: inline-block;
  font-size: 14px;
  font-weight: 600;
  color: #FFFFFF;
  margin-top: 3px;
  text-decoration: underline;
  text-decoration-color: rgba(255, 255, 255, 0.45);
  text-underline-offset: 3px;
  overflow-wrap: anywhere;
  transition: var(--transition-smooth);
}

.contact-detail-link:hover {
  text-decoration-color: #FFFFFF;
}

.contact-detail-hint {
  font-size: 11.5px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.65);
  white-space: nowrap;
}

.contact-info-foot {
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.78);
  line-height: 1.6;
  border-top: 1px solid rgba(255, 255, 255, 0.18);
  padding-top: 16px;
}

/* --------------------------------------------------------------------------
   Enquiry form card additions
   -------------------------------------------------------------------------- */
.contact-form-title {
  font-family: var(--font-heading);
  font-size: 22px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 8px;
}

.contact-form-intro {
  font-size: 13.5px;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 24px;
}

.contact-form-submit {
  width: 100%;
  border-radius: var(--radius-md);
  padding: 13px 22px;
}

.contact-form-note {
  font-size: 12px;
  color: var(--text-sub);
  line-height: 1.55;
  margin-top: 14px;
}

/* --------------------------------------------------------------------------
   Follow Mr. Moovon (compact, R10)
   -------------------------------------------------------------------------- */
.contact-follow {
  background: var(--primary-navy-dark);
  color: #FFFFFF;
  padding: 34px 0;
}

.contact-follow-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
}

.contact-follow-copy {
  min-width: 0;
}

.contact-follow-title {
  font-family: var(--font-heading);
  font-size: 21px;
  font-weight: 900;
  letter-spacing: -0.3px;
  margin-bottom: 4px;
}

.contact-follow-text {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.82);
  line-height: 1.55;
}

.contact-follow .contact-follow-social {
  margin: 0;
  flex-wrap: wrap;
}

/* Keep the closing CTA copy shrinkable next to its button group. */
.contact-cta-copy {
  min-width: 0;
}

.contact-follow :focus-visible,
.contact-helpdesk :focus-visible {
  outline: 3px solid rgba(255, 255, 255, 0.9);
  outline-offset: 2px;
}

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 900px) {
  .contact-helpdesk {
    grid-template-columns: 1fr;
    gap: 8px;
    padding: 34px 28px;
    align-items: start;
  }

  .contact-helpdesk-figure {
    justify-content: flex-start;
    margin-bottom: -34px;
  }

  .contact-helpdesk-figure img {
    max-width: 190px;
  }
}

@media (max-width: 600px) {
  .contact-section {
    padding: 52px 0;
  }

  .contact-hero-actions .btn,
  .contact-helpdesk-actions .btn {
    width: 100%;
  }

  .contact-route-card {
    padding: 24px 20px;
  }

  .contact-helpdesk {
    padding: 28px 20px;
  }

  .contact-helpdesk-title {
    font-size: 24px;
  }

  .contact-helpdesk-figure {
    align-self: center;
    justify-content: center;
    margin-bottom: -28px;
  }

  .contact-helpdesk-figure img {
    max-width: 160px;
  }

  .contact-follow-inner {
    justify-content: flex-start;
  }
}

@media (max-width: 380px) {
  .contact-quicklinks {
    grid-template-columns: 1fr;
  }

  .contact-detail-hint {
    white-space: normal;
  }
}

@media (prefers-reduced-motion: reduce) {
  .contact-route-card,
  .contact-route-card:hover,
  .contact-route-link svg,
  .contact-route-link:hover svg,
  .contact-quicklink,
  .contact-quicklink:hover {
    transform: none;
    transition: none;
  }
}

/* ---------- about ---------- */
/* ==========================================================================
   About Moovon (about.html)
   Page-scoped fragment. Every selector is prefixed .about- so it cannot
   collide with another page fragment. Tokens only — no raw brand hexes.
   ========================================================================== */

/* The light-red accent already used by .page-hero-title span, reused on the
   two navy grounds of this page so red-on-navy stays legible. */
.about-hero,
.about-growth,
.about-cta {
  --about-accent-on-dark: #FF6B89;
}

/* ==========================================================================
   Hero — Moving Ghana Forward
   ========================================================================== */
.page-hero.about-hero {
  text-align: left;
  padding: 62px 0 0;
}

.about-hero-grid {
  position: relative;
  z-index: 1; /* clears the .page-hero::after dot overlay */
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(0, 0.88fr);
  gap: 32px;
  align-items: end;
}

.about-hero-grid > * {
  min-width: 0;
}

.about-hero-copy {
  padding-bottom: 62px;
}

.about-hero .page-hero-badge {
  margin-bottom: 18px;
}

.about-hero .page-hero-title {
  font-size: clamp(34px, 5.2vw, 52px);
  margin-bottom: 12px;
}

.about-hero-lead {
  font-family: var(--font-heading);
  font-size: clamp(18px, 2.2vw, 22px);
  font-weight: 800;
  letter-spacing: -0.2px;
  line-height: 1.35;
  margin-bottom: 16px;
}

.about-hero-lead em {
  font-style: normal;
  color: var(--about-accent-on-dark);
}

.about-hero .about-hero-subtitle {
  max-width: 54ch;
  margin: 0 0 22px;
}

.about-hero-kicker {
  position: relative;
  padding-top: 18px;
  font-family: var(--font-heading);
  font-size: 14.5px;
  font-weight: 800;
  letter-spacing: 0.3px;
  color: #FFFFFF;
}

.about-hero-kicker::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 56px;
  height: 3px;
  border-radius: var(--radius-full);
  background: var(--accent-red);
}

.about-hero-figure img {
  width: 100%;
  max-width: 400px;
  height: auto;
  margin: 0 0 0 auto;
  filter: drop-shadow(0 22px 38px rgba(4, 12, 36, 0.45));
}

/* ==========================================================================
   Shared section shells
   ========================================================================== */
.about-section {
  padding: 76px 0;
}

.about-section--plain {
  background: var(--bg-surface);
}

.about-section--tint {
  background: var(--bg-page);
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
}

.about-body {
  font-size: 16px;
  line-height: 1.75;
  color: var(--text-muted);
  margin-bottom: 14px;
  max-width: 68ch;
}

/* ==========================================================================
   Why We Exist
   ========================================================================== */
.about-why-grid {
  display: grid;
  grid-template-columns: 148px minmax(0, 1fr);
  gap: 44px;
  align-items: start;
}

.about-why-mark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 148px;
  height: 148px;
  border-radius: 50%;
  background: var(--primary-navy-soft);
  border: 1px solid var(--border-subtle);
  color: var(--accent-red);
}

.about-why-mark svg {
  width: 64px;
  height: 64px;
}

.about-why-copy {
  min-width: 0;
}

.about-why-copy .section-title {
  max-width: 20ch;
}

.about-pull {
  margin-top: 24px;
  padding: 12px 0 12px 18px;
  border-left: 3px solid var(--accent-red);
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 800;
  line-height: 1.45;
  color: var(--primary-navy-dark);
}

/* ==========================================================================
   What Moovon Does — four roles
   ========================================================================== */
.about-role-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(232px, 100%), 1fr));
  gap: 20px;
}

.about-role-grid > * {
  min-width: 0;
}

.about-role-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 26px 22px;
  box-shadow: var(--shadow-xs);
  transition: var(--transition-smooth);
}

.about-role-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--border-medium);
}

.about-role-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 54px;
  height: 54px;
  margin-bottom: 16px;
  border-radius: var(--radius-md);
  background: var(--primary-navy-soft);
  color: var(--primary-navy);
}

.about-role-icon svg {
  width: 26px;
  height: 26px;
}

.about-role-card--accent .about-role-icon {
  background: var(--accent-red-soft);
  color: var(--accent-red-hover);
}

.about-role-title {
  font-family: var(--font-heading);
  font-size: 16.5px;
  font-weight: 800;
  line-height: 1.3;
  color: var(--primary-navy-dark);
  margin-bottom: 8px;
}

.about-role-desc {
  font-size: 14px;
  line-height: 1.65;
  color: var(--text-muted);
}

/* Regulatory footnote strip */
.about-note {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-top: 26px;
  padding: 18px 20px;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-left: 4px solid var(--accent-red);
  border-radius: var(--radius-md);
  font-size: 13.5px;
  line-height: 1.7;
  color: var(--text-muted);
}

.about-note svg {
  width: 20px;
  height: 20px;
  margin-top: 3px;
  flex-shrink: 0;
  color: var(--accent-red);
}

.about-note span {
  min-width: 0;
}

/* ==========================================================================
   Mission & Vision
   ========================================================================== */
.about-mv-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(280px, 100%), 1fr));
  gap: 24px;
}

.about-mv-grid > * {
  min-width: 0;
}

.about-mv-card {
  background: linear-gradient(160deg, var(--primary-navy-soft) 0%, var(--bg-surface) 62%);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  padding: 34px 30px;
  box-shadow: var(--shadow-sm);
}

.about-mv-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 60px;
  height: 60px;
  margin-bottom: 18px;
  border-radius: 50%;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  color: var(--primary-navy);
  box-shadow: var(--shadow-xs);
}

.about-mv-icon svg {
  width: 28px;
  height: 28px;
}

.about-mv-title {
  font-family: var(--font-heading);
  font-size: 20px;
  font-weight: 900;
  letter-spacing: -0.3px;
  color: var(--primary-navy);
  margin-bottom: 10px;
}

.about-mv-text {
  font-size: 15.5px;
  line-height: 1.72;
  color: var(--text-muted);
}

/* ==========================================================================
   Growth — Ghana today, West Africa next, Africa ahead
   ========================================================================== */
.about-growth {
  position: relative;
  overflow: hidden;
  padding: 78px 0;
  background: linear-gradient(135deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
  color: #FFFFFF;
}

.about-growth::after {
  content: '';
  position: absolute;
  inset: 0;
  pointer-events: none;
  background-image: radial-gradient(rgba(255, 255, 255, 0.07) 1px, transparent 1px);
  background-size: 26px 26px;
}

.about-growth-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr);
  gap: 52px;
  align-items: center;
}

.about-growth-grid > * {
  min-width: 0;
}

.about-growth-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: #FFFFFF;
  background: rgba(255, 255, 255, 0.14);
  border: 1px solid rgba(255, 255, 255, 0.24);
  padding: 5px 14px;
  border-radius: var(--radius-full);
  margin-bottom: 14px;
}

.about-growth-title {
  font-family: var(--font-heading);
  font-size: clamp(26px, 3.4vw, 36px);
  font-weight: 900;
  letter-spacing: -0.6px;
  line-height: 1.18;
  margin-bottom: 12px;
}

.about-growth-title em {
  font-style: normal;
  color: var(--about-accent-on-dark);
}

.about-growth-lead {
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 700;
  margin-bottom: 12px;
}

.about-growth-text {
  font-size: 15px;
  line-height: 1.75;
  color: rgba(255, 255, 255, 0.82);
  max-width: 60ch;
}

.about-stage-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.about-stage {
  position: relative;
  display: flex;
  gap: 18px;
  padding-bottom: 26px;
}

.about-stage:last-child {
  padding-bottom: 0;
}

/* Vertical run joining one stage marker to the next. */
.about-stage:not(:last-child)::before {
  content: '';
  position: absolute;
  left: 8px;
  top: 26px;
  bottom: -8px; /* runs under the next marker so the chain reads unbroken */
  width: 2px;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.32) 0%, rgba(255, 255, 255, 0.06) 100%);
}

.about-stage-dot {
  position: relative;
  z-index: 1;
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 5px;
  border-radius: 50%;
  background: var(--accent-red);
  border: 3px solid rgba(255, 255, 255, 0.92);
}

.about-stage-body {
  min-width: 0;
}

.about-stage-name {
  font-family: var(--font-heading);
  font-size: 17px;
  font-weight: 800;
  letter-spacing: -0.2px;
  margin-bottom: 4px;
}

.about-stage-sub {
  font-size: 14px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.78);
}

/* ==========================================================================
   Ecosystem diagram
   ========================================================================== */
.about-eco-figure {
  margin: 0;
}

.about-eco-flow {
  display: flex;
  flex-wrap: wrap;
  align-items: stretch;
  justify-content: center;
  gap: 12px;
}

.about-eco-node {
  flex: 1 1 200px;
  min-width: 0;
  max-width: 290px;
  text-align: center;
  padding: 26px 18px;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xs);
}

.about-eco-node--core {
  border-color: var(--accent-red);
  box-shadow: var(--shadow-md);
}

.about-eco-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 58px;
  height: 58px;
  margin: 0 auto 14px;
  border-radius: 50%;
  background: var(--primary-navy-soft);
  color: var(--primary-navy);
}

.about-eco-node--core .about-eco-icon {
  background: var(--accent-red-soft);
  color: var(--accent-red-hover);
}

.about-eco-icon svg {
  width: 28px;
  height: 28px;
}

.about-eco-name {
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 800;
  line-height: 1.35;
  color: var(--primary-navy-dark);
  margin-bottom: 6px;
}

.about-eco-role {
  font-size: 13px;
  line-height: 1.6;
  color: var(--text-muted);
}

.about-eco-arrow {
  flex: 0 0 auto;
  align-self: center;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--border-medium);
}

.about-eco-arrow svg {
  width: 24px;
  height: 24px;
}

.about-eco-caption {
  margin-top: 26px;
  text-align: center;
  font-family: var(--font-heading);
  font-size: 14.5px;
  font-weight: 700;
  color: var(--primary-navy);
}

/* ==========================================================================
   Values
   ========================================================================== */
.about-values-grid {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(170px, 100%), 1fr));
  gap: 24px 20px;
}

.about-values-grid > * {
  min-width: 0;
}

.about-value {
  text-align: center;
}

.about-value-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 66px;
  height: 66px;
  margin: 0 auto 14px;
  border-radius: 50%;
  background: var(--bg-surface);
  border: 1px solid var(--border-subtle);
  color: var(--primary-navy);
  box-shadow: var(--shadow-xs);
}

.about-value-icon svg {
  width: 28px;
  height: 28px;
}

.about-value-title {
  font-family: var(--font-heading);
  font-size: 15.5px;
  font-weight: 800;
  color: var(--primary-navy-dark);
  margin-bottom: 6px;
}

.about-value-desc {
  font-size: 13px;
  line-height: 1.6;
  color: var(--text-muted);
  max-width: 25ch;
  margin: 0 auto;
}

/* ==========================================================================
   Move with Moovon — dual CTA + compact Follow Mr. Moovon strip
   ========================================================================== */
.about-cta {
  position: relative;
  overflow: hidden;
  padding: 70px 0;
  background: linear-gradient(135deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
  color: #FFFFFF;
}

.about-cta::before {
  content: '';
  position: absolute;
  top: -180px;
  right: -120px;
  width: 520px;
  height: 520px;
  pointer-events: none;
  opacity: 0.22;
  background: radial-gradient(circle, var(--accent-red) 0%, transparent 70%);
}

.about-cta-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 230px);
  gap: 44px;
  align-items: center;
}

.about-cta-grid > * {
  min-width: 0;
}

.about-cta-title {
  font-family: var(--font-heading);
  font-size: clamp(26px, 3.4vw, 34px);
  font-weight: 900;
  letter-spacing: -0.5px;
  margin-bottom: 6px;
}

.about-cta-sub {
  font-size: 15px;
  color: rgba(255, 255, 255, 0.82);
  margin-bottom: 26px;
}

.about-cta-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(238px, 100%), 1fr));
  gap: 18px;
}

.about-cta-cards > * {
  min-width: 0;
}

.about-cta-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
  padding: 22px 20px;
  background: rgba(255, 255, 255, 0.07);
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius-lg);
}

.about-cta-eyebrow {
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255, 255, 255, 0.78);
}

.about-cta-text {
  flex: 1;
  font-size: 14px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.9);
}

.about-cta-protected {
  margin-top: 28px;
  font-family: var(--font-heading);
  font-size: clamp(20px, 2.6vw, 26px);
  font-weight: 900;
  letter-spacing: -0.4px;
}

.about-cta-protected em {
  font-style: normal;
  color: var(--about-accent-on-dark);
}

.about-cta-figure img {
  width: 100%;
  max-width: 200px;
  height: auto;
  margin: 0 auto;
  background: #FFFFFF;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

.about-follow {
  position: relative;
  z-index: 1;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px 24px;
  margin-top: 46px;
  padding-top: 26px;
  border-top: 1px solid rgba(255, 255, 255, 0.14);
}

.about-follow-copy {
  min-width: 0;
}

.about-follow-title {
  font-family: var(--font-heading);
  font-size: 18px;
  font-weight: 800;
  letter-spacing: -0.2px;
  margin-bottom: 4px;
}

.about-follow-sub {
  font-size: 13.5px;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.75);
}

/* Reuses the .footer-social chip styling, which is already tuned for a dark
   ground; only the footer-specific top margin needs resetting. */
.about-follow .about-follow-links {
  margin: 0;
  flex-wrap: wrap;
}

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1024px) {
  .about-hero-grid {
    gap: 22px;
  }

  .about-why-grid {
    grid-template-columns: 112px minmax(0, 1fr);
    gap: 30px;
  }

  .about-why-mark {
    width: 112px;
    height: 112px;
  }

  .about-why-mark svg {
    width: 50px;
    height: 50px;
  }

  .about-growth-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }

  .about-cta-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .about-cta-figure img {
    max-width: 170px;
  }

  /* Below ~1024px a 4-node row wraps mid-flow and strands an arrow at the
     head of the second line, so the whole run turns vertical instead. */
  .about-eco-flow {
    flex-direction: column;
    align-items: center;
  }

  .about-eco-node {
    flex: 0 0 auto;
    width: 100%;
    max-width: 440px;
  }

  .about-eco-arrow {
    transform: rotate(90deg);
  }
}

@media (max-width: 900px) {
  .page-hero.about-hero {
    padding: 48px 0 0;
    text-align: center;
  }

  .about-hero-grid {
    grid-template-columns: 1fr;
    gap: 10px;
  }

  .about-hero-copy {
    padding-bottom: 6px;
  }

  .about-hero .about-hero-subtitle {
    margin-left: auto;
    margin-right: auto;
  }

  .about-hero-kicker::before {
    left: 50%;
    transform: translateX(-50%);
  }

  .about-hero-figure img {
    max-width: 250px;
    margin: 0 auto;
  }
}

@media (max-width: 760px) {
  .about-section {
    padding: 56px 0;
  }

  .about-why-grid {
    grid-template-columns: 1fr;
    gap: 22px;
  }

  .about-why-mark {
    width: 92px;
    height: 92px;
  }

  .about-why-mark svg {
    width: 42px;
    height: 42px;
  }

  .about-why-copy .section-title {
    max-width: none;
  }

  .about-mv-card {
    padding: 28px 22px;
  }

  .about-growth {
    padding: 58px 0;
  }

  .about-cta {
    padding: 56px 0;
  }

  .about-follow {
    justify-content: flex-start;
  }
}

@media (max-width: 520px) {
  .about-hero .page-hero-title {
    font-size: 32px;
  }

  .about-body,
  .about-role-desc,
  .about-mv-text {
    font-size: 14.5px;
  }

  .about-value-desc {
    max-width: none;
  }

  .about-cta-card .btn {
    width: 100%;
    justify-content: center;
  }

  .about-note {
    padding: 16px;
  }
}

/* The global reduced-motion rule zeroes durations; these also drop the
   transform so nothing shifts under the pointer. */
@media (prefers-reduced-motion: reduce) {
  .about-role-card,
  .about-role-card:hover {
    transition: none;
    transform: none;
  }
}

/* ---------- news ---------- */
/* ==========================================================================
   MOOVON SpreadPay™ — What's Mooving? (news.html)
   Page-scoped fragment. Every class is prefixed .news-* so it cannot collide
   with other page fragments. Palette: navy / red / white only (R8).
   ========================================================================== */

/* --------------------------------------------------------------------------
   Hero — extends .page-hero. Split layout: copy left, Mr. Moovon right.
   Deliberately clean: no floating logos, no news cards.
   -------------------------------------------------------------------------- */
/* Qualified with .page-hero so the override wins regardless of where this
   fragment lands relative to the shared hero rules. */
.page-hero.news-hero {
  text-align: left;
  padding: 56px 0 0;
}

.news-hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
  gap: 24px;
  align-items: end;
}

.news-hero-copy {
  min-width: 0;
  padding-bottom: 58px;
}

.news-hero .page-hero-subtitle {
  margin: 0;
  max-width: 30ch;
}

.news-hero-strapline {
  margin-top: 18px;
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 700;
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.78);
  max-width: 34ch;
}

.news-hero-figure {
  position: relative;
  min-width: 0;
  display: flex;
  justify-content: center;
  align-items: flex-end;
}

/* Soft navy/red halo so the cut-out reads as intentional against the gradient */
.news-hero-figure::before {
  content: '';
  position: absolute;
  bottom: -10%;
  left: 50%;
  width: 110%;
  aspect-ratio: 1 / 1;
  transform: translateX(-50%);
  background: radial-gradient(circle, rgba(204, 30, 65, 0.22) 0%, rgba(27, 91, 170, 0) 68%);
  pointer-events: none;
}

.news-hero-img {
  position: relative;
  width: auto;
  height: auto;
  max-width: 340px;
  max-height: 420px;
  margin-bottom: -2px;
  filter: drop-shadow(0 18px 34px rgba(4, 12, 36, 0.42));
}

@media (max-width: 900px) {
  .page-hero.news-hero {
    padding: 44px 0 0;
  }

  .news-hero-inner {
    grid-template-columns: 1fr;
    justify-items: center;
    text-align: center;
    gap: 8px;
  }

  .news-hero-copy {
    padding-bottom: 8px;
  }

  .news-hero .page-hero-subtitle,
  .news-hero-strapline {
    margin-left: auto;
    margin-right: auto;
    max-width: 46ch;
  }

  .news-hero-img {
    max-width: 240px;
    max-height: 300px;
  }
}

@media (max-width: 480px) {
  .page-hero.news-hero {
    padding-top: 36px;
  }

  .news-hero-img {
    max-width: 190px;
    max-height: 240px;
  }
}

/* --------------------------------------------------------------------------
   Section rhythm
   -------------------------------------------------------------------------- */
.news-section {
  padding: 72px 0;
}

.news-featured-section,
.news-industry-section {
  background: #FFFFFF;
}

.news-latest-section,
.news-video-section {
  background: var(--bg-page);
}

.news-section-header {
  margin-bottom: 34px;
}

@media (max-width: 600px) {
  .news-section {
    padding: 52px 0;
  }
}

/* Placeholder disclosure — this page ships as a content template */
.news-template-note {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  max-width: 760px;
  margin: 0 auto 30px;
  padding: 11px 16px;
  border: 1px dashed var(--border-medium);
  border-radius: var(--radius-md);
  background: var(--primary-navy-soft);
  font-size: 13px;
  line-height: 1.5;
  color: var(--text-muted);
}

.news-template-note svg {
  flex: 0 0 auto;
  margin-top: 2px;
  color: var(--primary-navy);
}

/* --------------------------------------------------------------------------
   Featured story
   -------------------------------------------------------------------------- */
.news-featured {
  display: grid;
  grid-template-columns: minmax(0, 0.95fr) minmax(0, 1.05fr);
  gap: 0;
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.news-featured-media {
  position: relative;
  min-width: 0;
  min-height: 240px;
  display: flex;
  align-items: center;
  justify-content: center;
  background:
    radial-gradient(circle at 78% 18%, rgba(204, 30, 65, 0.36) 0%, rgba(204, 30, 65, 0) 58%),
    linear-gradient(140deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
  color: rgba(255, 255, 255, 0.9);
}

.news-featured-media::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.1) 1px, transparent 1px);
  background-size: 22px 22px;
  pointer-events: none;
}

.news-media-glyph {
  width: 84px;
  height: 84px;
  opacity: 0.92;
}

/* Real editorial artwork fills the media block; the navy gradient behind it
   only shows while the image loads. */
.news-media-img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.news-featured-media,
.news-card-media {
  overflow: hidden;
}

/* The badge and the top scrim must sit above the artwork. */
.news-featured-media .news-badge,
.news-card-media .news-badge,
.news-featured-media::after,
.news-card-media::after {
  z-index: 2;
}

.news-featured-body {
  min-width: 0;
  padding: 34px 36px;
}

.news-eyebrow {
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--accent-red-hover);
  margin-bottom: 10px;
}

.news-featured-title {
  font-family: var(--font-heading);
  font-size: 28px;
  font-weight: 900;
  line-height: 1.22;
  letter-spacing: -0.5px;
  color: var(--primary-navy);
  margin-bottom: 12px;
  overflow-wrap: break-word;
}

.news-featured-dek {
  font-size: 15px;
  line-height: 1.65;
  color: var(--text-muted);
  overflow-wrap: break-word;
}

.news-meta {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 10px;
  margin: 16px 0 22px;
  padding: 0;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--text-sub);
}

.news-meta li + li::before {
  content: '\00B7';
  margin-right: 10px;
  color: var(--border-medium);
}

.news-featured-cta svg {
  transition: var(--transition-smooth);
}

.news-featured-cta:hover svg {
  transform: translateX(3px);
}

@media (max-width: 860px) {
  .news-featured {
    grid-template-columns: 1fr;
  }

  .news-featured-media {
    min-height: 170px;
  }

  .news-media-glyph {
    width: 62px;
    height: 62px;
  }

  .news-featured-body {
    padding: 26px 22px;
  }

  .news-featured-title {
    font-size: 23px;
  }
}

@media (max-width: 380px) {
  .news-featured-body {
    padding: 22px 18px;
  }

  .news-featured-cta {
    width: 100%;
  }
}

/* --------------------------------------------------------------------------
   Category badges
   -------------------------------------------------------------------------- */
.news-badge {
  position: absolute;
  top: 14px;
  left: 14px;
  z-index: 1;
  max-width: calc(100% - 28px);
  font-family: var(--font-heading);
  font-size: 10.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.7px;
  padding: 5px 11px;
  border-radius: var(--radius-full);
  color: #FFFFFF;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.news-badge-red {
  background: var(--accent-red);
  box-shadow: 0 4px 12px rgba(204, 30, 65, 0.35);
}

/* Solid, not translucent: over light artwork a white-on-glass badge lost all
   contrast. */
.news-badge-navy {
  background: var(--primary-navy-dark);
  border: 1px solid rgba(255, 255, 255, 0.22);
  box-shadow: 0 4px 12px rgba(17, 59, 110, 0.4);
}

/* --------------------------------------------------------------------------
   Latest from Moovon & Our Partners — CSS-only category filter
   The radios live next to the chips and the grid so plain sibling selectors
   can do the filtering; the page needs no extra JavaScript.
   -------------------------------------------------------------------------- */
.news-stream {
  border: 0;
  margin: 0;
  padding: 0;
  min-width: 0;   /* fieldsets default to min-content and would force overflow */
}

.news-cat-input {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: 0;
  opacity: 0;
  pointer-events: none;
}

.news-chips {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px;
  margin-bottom: 30px;
}

.news-chip {
  display: inline-flex;
  align-items: center;
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-full);
  padding: 8px 16px;
  font-family: var(--font-heading);
  font-size: 12.5px;
  font-weight: 700;
  color: var(--text-muted);
  cursor: pointer;
  transition: var(--transition-smooth);
  user-select: none;
}

.news-chip:hover {
  border-color: var(--primary-navy);
  color: var(--primary-navy);
  background: var(--primary-navy-soft);
}

/* Selected chip */
#news-cat-all:checked ~ .news-chips [for="news-cat-all"],
#news-cat-moovon:checked ~ .news-chips [for="news-cat-moovon"],
#news-cat-partner:checked ~ .news-chips [for="news-cat-partner"],
#news-cat-industry:checked ~ .news-chips [for="news-cat-industry"],
#news-cat-motoring:checked ~ .news-chips [for="news-cat-motoring"] {
  background: var(--primary-navy);
  border-color: var(--primary-navy);
  color: #FFFFFF;
}

/* Keyboard focus lands on the visually hidden radio, so paint its chip */
#news-cat-all:focus-visible ~ .news-chips [for="news-cat-all"],
#news-cat-moovon:focus-visible ~ .news-chips [for="news-cat-moovon"],
#news-cat-partner:focus-visible ~ .news-chips [for="news-cat-partner"],
#news-cat-industry:focus-visible ~ .news-chips [for="news-cat-industry"],
#news-cat-motoring:focus-visible ~ .news-chips [for="news-cat-motoring"] {
  outline: 3px solid rgba(17, 59, 110, 0.55);
  outline-offset: 2px;
}

/* The filter itself */
#news-cat-moovon:checked ~ .news-grid > .news-card:not([data-cat="moovon"]),
#news-cat-partner:checked ~ .news-grid > .news-card:not([data-cat="partner"]),
#news-cat-industry:checked ~ .news-grid > .news-card:not([data-cat="industry"]),
#news-cat-motoring:checked ~ .news-grid > .news-card:not([data-cat="motoring"]) {
  display: none;
}

.news-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(100%, 262px), 1fr));
  gap: 22px;
}

.news-card {
  display: flex;
  flex-direction: column;
  min-width: 0;
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-xs);
  transition: var(--transition-spring);
}

.news-card:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(17, 59, 110, 0.2);
}

.news-card-media {
  position: relative;
  aspect-ratio: 16 / 10;
  display: flex;
  align-items: center;
  justify-content: center;
  background:
    radial-gradient(circle at 80% 20%, rgba(204, 30, 65, 0.3) 0%, rgba(204, 30, 65, 0) 60%),
    linear-gradient(145deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
  color: rgba(255, 255, 255, 0.9);
}

.news-card-media::after {
  content: '';
  position: absolute;
  inset: 0;
  background-image: radial-gradient(rgba(255, 255, 255, 0.1) 1px, transparent 1px);
  background-size: 20px 20px;
  pointer-events: none;
}

.news-card-media .news-media-glyph {
  width: 48px;
  height: 48px;
}

.news-card-body {
  display: flex;
  flex-direction: column;
  flex: 1;
  min-width: 0;
  padding: 18px 20px 20px;
}

.news-card-date {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.3px;
  color: var(--text-sub);
  margin-bottom: 8px;
}

.news-card-title {
  font-family: var(--font-heading);
  font-size: 16.5px;
  font-weight: 800;
  line-height: 1.32;
  color: var(--primary-navy);
  margin-bottom: 8px;
  overflow-wrap: break-word;
}

.news-card-excerpt {
  font-size: 13.5px;
  line-height: 1.6;
  color: var(--text-muted);
  margin-bottom: 16px;
}

.news-card-link {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  margin-top: auto;
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 800;
  color: var(--accent-red-hover);
  transition: var(--transition-smooth);
}

.news-card-link svg {
  transition: var(--transition-smooth);
}

.news-card:hover .news-card-link svg,
.news-card-link:hover svg {
  transform: translateX(3px);
}

/* --------------------------------------------------------------------------
   Around the Industry — source + date, links out to the publisher
   -------------------------------------------------------------------------- */
.news-industry-list {
  list-style: none;
  display: grid;
  gap: 12px;
  margin: 0;
  padding: 0;
}

.news-industry-item {
  min-width: 0;
}

.news-industry-link {
  display: flex;
  align-items: center;
  gap: 16px;
  min-width: 0;
  padding: 16px 20px;
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xs);
  transition: var(--transition-smooth);
}

.news-industry-link:hover {
  border-color: var(--primary-navy);
  background: var(--primary-navy-soft);
  transform: translateX(3px);
}

.news-industry-icon {
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: var(--radius-md);
  background: var(--primary-navy-soft);
  border: 1px solid rgba(27, 91, 170, 0.16);
  color: var(--primary-navy);
}

.news-industry-icon svg {
  width: 20px;
  height: 20px;
}

.news-industry-body {
  display: flex;
  flex-direction: column;
  gap: 4px;
  flex: 1;
  min-width: 0;
}

.news-industry-meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  font-weight: 600;
  color: var(--text-sub);
}

.news-industry-source {
  font-family: var(--font-heading);
  font-weight: 800;
  color: var(--accent-red-hover);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  font-size: 11px;
}

.news-industry-title {
  font-family: var(--font-heading);
  font-size: 15.5px;
  font-weight: 700;
  line-height: 1.4;
  color: var(--primary-navy);
  overflow-wrap: break-word;
}

.news-industry-ext {
  flex: 0 0 auto;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--text-sub);
  transition: var(--transition-smooth);
}

.news-industry-ext svg {
  width: 17px;
  height: 17px;
}

.news-industry-link:hover .news-industry-ext {
  color: var(--primary-navy);
}

.news-industry-disclaimer {
  margin-top: 20px;
  font-size: 12.5px;
  line-height: 1.6;
  color: var(--text-sub);
  text-align: center;
}

@media (max-width: 560px) {
  .news-industry-link {
    align-items: flex-start;
    gap: 12px;
    padding: 14px 16px;
  }

  .news-industry-icon {
    width: 36px;
    height: 36px;
  }

  .news-industry-title {
    font-size: 14.5px;
  }
}

/* --------------------------------------------------------------------------
   Latest from Mr. Moovon — short video cards
   -------------------------------------------------------------------------- */
.news-video-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(min(100%, 230px), 1fr));
  gap: 20px;
}

.news-video-card {
  min-width: 0;
}

.news-video-link {
  display: flex;
  flex-direction: column;
  height: 100%;
  min-width: 0;
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-xs);
  transition: var(--transition-spring);
}

.news-video-link:hover {
  transform: translateY(-5px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(17, 59, 110, 0.2);
}

.news-video-thumb {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  aspect-ratio: 16 / 9;
  background:
    radial-gradient(circle at 50% 45%, rgba(255, 255, 255, 0.12) 0%, rgba(255, 255, 255, 0) 60%),
    linear-gradient(150deg, var(--primary-navy-dark) 0%, var(--primary-navy) 100%);
}

.news-video-play {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border-radius: var(--radius-full);
  background: var(--accent-red);
  color: #FFFFFF;
  box-shadow: 0 6px 18px rgba(204, 30, 65, 0.4);
  transition: var(--transition-spring);
}

.news-video-play svg {
  width: 20px;
  height: 20px;
  margin-left: 2px;
}

.news-video-link:hover .news-video-play {
  transform: scale(1.08);
}

.news-video-duration {
  position: absolute;
  right: 10px;
  bottom: 10px;
  padding: 3px 8px;
  border-radius: var(--radius-sm);
  background: rgba(4, 12, 36, 0.72);
  color: #FFFFFF;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.3px;
}

.news-video-body {
  display: flex;
  flex-direction: column;
  gap: 6px;
  min-width: 0;
  padding: 16px 18px 18px;
}

.news-video-title {
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 800;
  line-height: 1.35;
  color: var(--primary-navy);
  overflow-wrap: break-word;
}

.news-video-desc {
  font-size: 13px;
  line-height: 1.55;
  color: var(--text-muted);
}

.news-video-more {
  margin-top: 26px;
  text-align: center;
}

.news-inline-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-heading);
  font-size: 14px;
  font-weight: 800;
  color: var(--primary-navy);
  transition: var(--transition-smooth);
}

.news-inline-link:hover {
  color: var(--accent-red-hover);
}

.news-inline-link svg {
  transition: var(--transition-smooth);
}

.news-inline-link:hover svg {
  transform: translateX(3px);
}

/* --------------------------------------------------------------------------
   Flyer 08 - What's Mooving News Styles
   -------------------------------------------------------------------------- */
.news-featured-card-wrapper {
  margin-bottom: 10px;
}

.news-featured-3col {
  display: grid;
  grid-template-columns: 340px minmax(0, 1fr) 220px;
  gap: 0;
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-xl);
  box-shadow: 0 4px 20px rgba(11, 34, 101, 0.06);
  overflow: hidden;
  align-items: center;
}

.news-featured-media-col {
  position: relative;
  height: 100%;
  min-height: 240px;
  overflow: hidden;
}

.news-featured-media-col img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.news-featured-content-col {
  padding: 32px 36px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.news-tag-partner {
  font-family: var(--font-heading);
  font-size: 11.5px;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--primary-navy);
  margin-bottom: 8px;
}

.news-featured-title-main {
  font-family: var(--font-heading);
  font-size: 25px;
  font-weight: 900;
  color: var(--primary-navy);
  line-height: 1.25;
  margin-bottom: 12px;
}

.news-featured-desc {
  font-size: 14px;
  line-height: 1.6;
  color: var(--text-muted);
  margin-bottom: 22px;
}

.news-featured-btn {
  align-self: flex-start;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 22px;
  background: var(--primary-navy);
  color: #FFFFFF;
  font-family: var(--font-heading);
  font-size: 13.5px;
  font-weight: 800;
  border-radius: var(--radius-full);
  text-decoration: none;
  transition: var(--transition-spring);
}

.news-featured-btn:hover {
  background: var(--accent-red);
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(204, 30, 65, 0.3);
}

.news-featured-btn svg {
  transition: transform 0.2s ease;
}

.news-featured-btn:hover svg {
  transform: translateX(4px);
}

.news-featured-partner-col {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  height: 100%;
  background: #FFFFFF;
}

.news-featured-partner-logo {
  max-width: 170px;
  max-height: 130px;
  object-fit: contain;
}

.news-carousel-dots {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 8px;
  margin-top: 16px;
}

.news-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #D1D5DB;
  transition: var(--transition-smooth);
}

.news-dot.active {
  width: 10px;
  height: 10px;
  background: var(--accent-red);
}

@media (max-width: 960px) {
  .news-featured-3col {
    grid-template-columns: 1fr;
  }
  .news-featured-partner-col {
    padding: 0 36px 32px;
    justify-content: flex-start;
  }
  .news-featured-content-col {
    padding: 24px 24px 16px;
  }
}

/* --------------------------------------------------------------------------
   5-Card Row for Latest from Moovon & Our Partners
   -------------------------------------------------------------------------- */
.news-grid-5 {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}

@media (max-width: 1200px) {
  .news-grid-5 {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 768px) {
  .news-grid-5 {
    grid-template-columns: 1fr;
  }
}

/* --------------------------------------------------------------------------
   Header with Right Action Link
   -------------------------------------------------------------------------- */
.news-header-with-action {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 24px;
}

.news-header-action-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-heading);
  font-size: 13.5px;
  font-weight: 800;
  color: var(--primary-navy);
  text-decoration: none;
  white-space: nowrap;
  transition: var(--transition-smooth);
}

.news-header-action-link:hover {
  color: var(--accent-red);
}

.news-header-action-link svg {
  transition: transform 0.2s ease;
}

.news-header-action-link:hover svg {
  transform: translateX(4px);
}

/* --------------------------------------------------------------------------
   Around the Industry — 5 Publication Cards Grid
   -------------------------------------------------------------------------- */
.news-industry-cards-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}

.news-industry-card {
  display: flex;
  flex-direction: column;
  background: #FFFFFF;
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 18px 16px;
  box-shadow: var(--shadow-xs);
  transition: var(--transition-spring);
  text-decoration: none;
}

.news-industry-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(11, 34, 101, 0.08);
  border-color: rgba(11, 34, 101, 0.25);
}

.news-industry-card-head {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 14px;
}

.news-pub-avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #FFFFFF;
  flex-shrink: 0;
}

.news-pub-avatar svg {
  width: 16px;
  height: 16px;
}

.news-pub-meta {
  display: flex;
  flex-direction: column;
}

.news-pub-name {
  font-family: var(--font-heading);
  font-size: 11px;
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.2;
}

.news-pub-date {
  font-size: 10px;
  color: var(--text-sub);
}

.news-industry-card-title {
  font-family: var(--font-heading);
  font-size: 13.5px;
  font-weight: 800;
  color: var(--primary-navy);
  line-height: 1.38;
  margin-bottom: 16px;
  flex: 1;
}

.news-industry-card-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 800;
  color: var(--primary-navy);
}

.news-industry-card-link svg {
  width: 13px;
  height: 13px;
  transition: transform 0.2s ease;
}

.news-industry-card:hover .news-industry-card-link {
  color: var(--accent-red);
}

.news-industry-card:hover .news-industry-card-link svg {
  transform: translate(2px, -2px);
}

@media (max-width: 1200px) {
  .news-industry-cards-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 768px) {
  .news-industry-cards-grid {
    grid-template-columns: 1fr;
  }
}

/* --------------------------------------------------------------------------
   The Latest from Mr. Moovon — 5 Video Cards Grid
   -------------------------------------------------------------------------- */
.news-video-grid-5 {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 16px;
}

.news-video-card-thumb-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

@media (max-width: 1200px) {
  .news-video-grid-5 {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 768px) {
  .news-video-grid-5 {
    grid-template-columns: 1fr;
  }
}

/* --------------------------------------------------------------------------
   Pre-footer CTA tweak (shared .cta-banner-section)
   -------------------------------------------------------------------------- */
.news-cta-secondary {
  color: #FFFFFF;
  border-color: rgba(255, 255, 255, 0.3);
  background: rgba(255, 255, 255, 0.08);
}

.news-cta-secondary:hover {
  color: var(--primary-navy);
  background: #FFFFFF;
  border-color: #FFFFFF;
}

/* --------------------------------------------------------------------------
   Reduced motion
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  .news-card:hover,
  .news-video-link:hover,
  .news-industry-link:hover {
    transform: none;
  }

  .news-card:hover .news-card-link svg,
  .news-card-link:hover svg,
  .news-featured-cta:hover svg,
  .news-inline-link:hover svg,
  .news-video-link:hover .news-video-play {
    transform: none;
  }
}

/* ---------- developers ---------- */
/* ==========================================================================
   Developers & Integrations (developers.html) — page fragment
   Every new class is prefixed .dev- so this fragment cannot collide with
   another page's fragment. Everything else on the page reuses the existing
   design system (.page-hero, .section-header, .btn, .alert-box-info,
   .hiw-flow stepper, .cta-banner-section).
   Palette: navy / red / white only.
   ========================================================================== */

/* --------------------------------------------------------------------------
   Hero — left-aligned two-column variant of .page-hero
   -------------------------------------------------------------------------- */
.page-hero.dev-hero {
  text-align: left;
  padding: 64px 0 60px;
}

/* .page-hero::after paints a dot overlay above static children; z-index lifts
   the hero content back on top of it. */
.dev-hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
  gap: 40px;
  align-items: center;
}

.dev-hero-grid > * {
  min-width: 0;
}

.dev-hero .page-hero-subtitle {
  margin: 0;
  max-width: 58ch;
}

.dev-hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 26px;
}

.dev-hero-note {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  max-width: 54ch;
  margin-top: 22px;
  font-size: 13.5px;
  line-height: 1.55;
  color: #4A5568;
}

.dev-hero-note svg {
  flex-shrink: 0;
  margin-top: 2px;
  color: var(--primary-navy);
}

.dev-hero-art {
  display: flex;
  justify-content: center;
}

.dev-hero-art img {
  width: 100%;
  max-width: 320px;
  height: auto;
  filter: drop-shadow(0 24px 40px rgba(5, 26, 51, 0.45));
}

/* --------------------------------------------------------------------------
   Section shells
   -------------------------------------------------------------------------- */
.dev-section {
  padding: 78px 0;
  background: var(--bg-surface);
}

.dev-section-alt {
  background: var(--bg-page);
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
}

/* --------------------------------------------------------------------------
   "What you can build with" — capability grid (6 items matching flyer)
   -------------------------------------------------------------------------- */
.dev-title-accent {
  width: 44px;
  height: 3px;
  background: var(--accent-red);
  margin: 10px auto 0;
  border-radius: 2px;
}

.dev-capabilities-section {
  background: #FFFFFF;
  padding: 80px 0 60px;
}

.dev-cap-grid-6 {
  display: grid;
  grid-template-columns: repeat(6, minmax(0, 1fr));
  gap: 16px;
  margin-top: 36px;
}

.dev-cap-grid-6 .dev-cap-card {
  background: #FFFFFF;
  border: 1px solid rgba(27, 91, 170, 0.12);
  border-radius: 16px;
  padding: 24px 16px;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  box-shadow: 0 4px 16px rgba(11, 34, 101, 0.04);
  transition: all 0.3s ease;
}

.dev-cap-grid-6 .dev-cap-card:hover {
  transform: translateY(-4px);
  border-color: rgba(27, 91, 170, 0.3);
  box-shadow: 0 12px 28px rgba(11, 34, 101, 0.08);
}

.dev-cap-grid-6 .dev-cap-icon {
  width: 54px;
  height: 54px;
  border-radius: 50%;
  background: #F0F4FA;
  color: var(--primary-navy);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  transition: all 0.3s ease;
}

.dev-cap-grid-6 .dev-cap-card:hover .dev-cap-icon {
  background: var(--primary-navy);
  color: #FFFFFF;
  transform: scale(1.08);
}

.dev-cap-grid-6 .dev-cap-icon svg {
  width: 26px;
  height: 26px;
}

.dev-cap-grid-6 .dev-cap-title {
  font-family: var(--font-heading);
  font-size: 15px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 8px;
  line-height: 1.3;
}

.dev-cap-grid-6 .dev-cap-desc {
  font-size: 12.5px;
  line-height: 1.5;
  color: var(--text-muted);
  margin: 0;
}

/* --------------------------------------------------------------------------
   Triad 3-Column Section (Secure / Who Can Integrate / How It Works)
   -------------------------------------------------------------------------- */
.dev-triad-section {
  background: linear-gradient(180deg, #F5F8FD 0%, #EDF3FB 100%);
  padding: 64px 0 84px;
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
}

.dev-triad-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
  align-items: stretch;
}

.dev-triad-card {
  border-radius: 20px;
  padding: 34px 28px;
  display: flex;
  flex-direction: column;
}

.dev-triad-card--light {
  background: #FFFFFF;
  border: 1px solid rgba(27, 91, 170, 0.12);
  box-shadow: 0 6px 24px rgba(11, 34, 101, 0.05);
}

.dev-triad-card--navy {
  background: linear-gradient(150deg, #0B2265 0%, #071745 100%);
  color: #FFFFFF;
  box-shadow: 0 10px 32px rgba(11, 34, 101, 0.22);
}

.dev-triad-title {
  font-family: var(--font-heading);
  font-size: 19px;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 24px;
  line-height: 1.3;
}

.dev-triad-title--white {
  color: #FFFFFF;
}

.dev-feature-checklist {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 16px;
}

.dev-feature-checklist li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 13.5px;
  line-height: 1.5;
  color: var(--text-muted);
}

.dev-check-badge {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: rgba(27, 91, 170, 0.1);
  color: var(--primary-navy);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}

.dev-check-badge svg {
  width: 13px;
  height: 13px;
}

.dev-integrate-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 18px;
}

.dev-integrate-list li {
  display: flex;
  align-items: center;
  gap: 14px;
}

.dev-integrate-icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: #F0F4FA;
  color: var(--primary-navy);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.dev-integrate-icon svg {
  width: 22px;
  height: 22px;
}

.dev-integrate-name {
  font-family: var(--font-heading);
  font-size: 14.5px;
  font-weight: 700;
  color: var(--primary-navy);
}

.dev-how-steps {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 20px;
}

.dev-how-steps li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.dev-how-num {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #FFFFFF;
  color: var(--primary-navy);
  font-family: var(--font-heading);
  font-size: 13px;
  font-weight: 800;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.2);
}

.dev-how-text {
  font-size: 14px;
  line-height: 1.5;
  color: rgba(255, 255, 255, 0.9);
  padding-top: 3px;
}

/* --------------------------------------------------------------------------
   Pre-footer CTA banner
   -------------------------------------------------------------------------- */
.dev-footer-cta {
  background: #0B2265;
  padding: 44px 0;
}

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

.dev-cta-left {
  display: flex;
  align-items: center;
  gap: 20px;
}

.dev-cta-shield-icon {
  width: 60px;
  height: 60px;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.1);
  border: 1.5px solid rgba(255, 255, 255, 0.25);
  color: #FFFFFF;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.dev-cta-shield-icon svg {
  width: 32px;
  height: 32px;
}

.dev-cta-title {
  font-family: var(--font-heading);
  font-size: 24px;
  font-weight: 900;
  color: #FFFFFF;
  margin-bottom: 4px;
}

.dev-cta-sub {
  font-size: 14.5px;
  color: rgba(255, 255, 255, 0.85);
  margin: 0;
}

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

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1024px) {
  .dev-hero-grid {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .dev-hero-art img {
    max-width: 240px;
  }

  .dev-secure-grid {
    grid-template-columns: 1fr;
    gap: 26px;
  }
}

@media (max-width: 700px) {
  .page-hero.dev-hero {
    padding: 46px 0 44px;
  }

  .dev-section {
    padding: 58px 0;
  }

  .dev-hero-art img {
    max-width: 190px;
  }

  .dev-cap-card {
    padding: 22px 18px;
  }

  .dev-locked-card {
    padding: 26px 22px;
  }

  .dev-note-wrap {
    margin-top: 26px;
  }
}

@media (max-width: 480px) {
  .dev-hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .dev-hero-actions .btn {
    width: 100%;
    justify-content: center;
  }

  .dev-who-card {
    flex-direction: column;
    gap: 12px;
  }

  .dev-check-item,
  .dev-cap-desc,
  .dev-who-desc {
    font-size: 13.5px;
  }
}

/* --------------------------------------------------------------------------
   Reduced motion — scoped to this page so no other page is affected
   -------------------------------------------------------------------------- */
@media (prefers-reduced-motion: reduce) {
  .dev-hero .page-hero-badge {
    animation: none;
  }

  .dev-cap-card,
  .dev-cap-icon,
  .dev-locked-link,
  .dev-locked-link svg {
    transition: none;
  }

  .dev-cap-card:hover {
    transform: none;
  }

  .dev-locked-link:hover svg {
    transform: none;
  }
}

/* ==== END PAGE FRAGMENTS ==== */

/* ==========================================================================
   Scene Hero — light hero with the page's own upscaled illustration bleeding
   in from the right and live HTML copy on the left (the homepage treatment,
   applied per page).
   ========================================================================== */
.page-hero.scene-hero {
  background: linear-gradient(180deg, #FFFFFF 0%, var(--primary-navy-soft) 100%);
  color: var(--primary-navy-dark);
  text-align: left;
  padding: 0;
  overflow: hidden;
}

.page-hero.scene-hero::before { display: none; }

.page-hero.scene-hero .container {
  position: relative;
  z-index: 2;
  min-height: 468px;
  display: flex;
  align-items: center;
}

.scene-hero-copy {
  max-width: 560px;
  padding: 50px 0;
}

/* The artwork is anchored to the section (not the container) so it bleeds to
   the viewport's right edge. Its own left edge is feathered to transparent. */
.scene-hero-figure {
  position: absolute;
  top: 0;
  right: 0;
  bottom: 0;
  width: min(64%, 1040px);
  z-index: 1;
  pointer-events: none;
}

.scene-hero-figure img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: left 18%;
  display: block;
}

.page-hero.scene-hero .page-hero-title {
  color: var(--primary-navy-dark);
}

.page-hero.scene-hero .page-hero-title span {
  color: var(--accent-red);
}

.page-hero.scene-hero .page-hero-subtitle {
  color: var(--text-muted);
}

/* Any per-page lead line that was white for the dark hero. */
.page-hero.scene-hero .products-hero-lead,
.page-hero.scene-hero .about-hero-lead,
.page-hero.scene-hero .hiw-hero-lead {
  color: var(--primary-navy);
  font-weight: 600;
}

.page-hero.scene-hero .page-hero-badge {
  background: var(--primary-navy-soft);
  border: 1px solid var(--border-subtle);
  color: var(--primary-navy);
  animation: none;
}

@media (max-width: 900px) {
  .page-hero.scene-hero .container {
    flex-direction: column-reverse;
    align-items: stretch;
    min-height: 0;
  }

  /* On narrow screens the artwork becomes a banner above the copy. */
  .scene-hero-figure {
    position: relative;
    width: 100%;
    margin: 0;
    height: 210px;
    border-radius: var(--radius-md);
    overflow: hidden;
  }

  .scene-hero-figure img {
    object-position: center right;
  }

  .scene-hero-copy {
    max-width: none;
    padding: 26px 0 36px;
  }
}

@media (max-width: 600px) {
  .scene-hero-figure {
    height: 168px;
  }
}

/* Per-page hero copy that was white for the old dark hero must darken on the
   light scene hero. */
.page-hero.scene-hero .partners-hero-note,
.page-hero.scene-hero .for-partners-hero-note,
.page-hero.scene-hero .news-hero-strapline,
.page-hero.scene-hero .contact-hero-note {
  color: var(--text-muted);
}

.page-hero.scene-hero .about-hero-kicker {
  color: var(--primary-navy);
  font-weight: 600;
}

.page-hero.scene-hero .partners-hero-type {
  background: var(--primary-navy-soft);
  border: 1px solid var(--border-subtle);
  color: var(--primary-navy);
}

/* Cutout scene hero: the subject is matted onto the clean brand ground,
   contained (not cropped) and anchored to the bottom-right. */
.scene-hero.scene-hero--cutout .scene-hero-figure {
  width: min(52%, 780px);
}

.scene-hero.scene-hero--cutout .scene-hero-figure img {
  object-fit: contain;
  object-position: right bottom;
  filter: drop-shadow(0 20px 34px rgba(17, 59, 110, 0.16));
}

.scene-hero.scene-hero--cutout {
  background-image: url('assets/graphics/hero-bg.svg');
  background-size: cover;
  background-position: center right;
  background-repeat: no-repeat;
  background-color: #FFFFFF;
}
.scene-hero.scene-hero--cutout::after { content: none; }

@media (max-width: 900px) {
  .scene-hero.scene-hero--cutout .scene-hero-figure {
    width: 100%;
    height: 240px;
    background: var(--primary-navy-soft);
  }

  .scene-hero.scene-hero--cutout .scene-hero-figure img {
    object-position: center bottom;
  }
}