/* ==========================================================================
   NexGen Finance — Global Stylesheet
   ========================================================================== */

/* --- Google Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Roboto:wght@300;400;500;600;700&family=Roboto+Condensed:wght@600;700&display=swap');

/* --- CSS Custom Properties --- */
:root {
  --navy:       #23395E;
  --navy-dark:  #162540;
  --navy-mid:   #2d4a77;
  --blue:       #1b5fb5;
  --blue-light: #2d7dd2;
  --gold:       #c8a84b;
  --slate:      #475569;
  --slate-light:#64748b;
  --gray-100:   #f1f5f9;
  --gray-200:   #e2e8f0;
  --gray-300:   #cbd5e1;
  --text:       #1e293b;
  --text-muted: #475569;
  --white:      #ffffff;
  --border:     #dde4ef;
  --shadow-sm:  0 1px 3px rgba(35,57,94,0.08);
  --shadow:     0 4px 16px rgba(35,57,94,0.12);
  --shadow-lg:  0 8px 32px rgba(35,57,94,0.16);
  --radius:     6px;
  --radius-lg:  12px;
  --transition: 0.22s ease;
  --max-w:      1180px;
  --font:       'Roboto', sans-serif;
}

/* --- Reset & Base --- */
*, *::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);
  color: var(--text);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a  { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--navy); }
ul { list-style: none; }

h1, h2, h3, h4 {
  font-family: var(--font);
  font-weight: 700;
  line-height: 1.25;
  color: var(--navy-dark);
}

h1 { font-size: clamp(1.9rem, 4vw, 2.8rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.4rem); }
h4 { font-size: 1.1rem; }

p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

/* --- Layout Helpers --- */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 1.25rem;
}

.section { padding: 80px 0; }
.section--sm { padding: 56px 0; }
.section--lg { padding: 100px 0; }
.section--alt { background: var(--gray-100); }
.section--dark { background: var(--navy-dark); color: var(--white); }
.section--dark h2, .section--dark h3, .section--dark h4 { color: var(--white); }
.section--navy { background: var(--navy); color: var(--white); }
.section--navy h2, .section--navy h3, .section--navy h4 { color: var(--white); }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }

@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .section { padding: 56px 0; }
}

.text-center { text-align: center; }
.text-white  { color: var(--white) !important; }
.mb-8  { margin-bottom: 0.5rem; }
.mb-16 { margin-bottom: 1rem; }
.mb-24 { margin-bottom: 1.5rem; }
.mb-32 { margin-bottom: 2rem; }
.mb-48 { margin-bottom: 3rem; }

.section-intro {
  max-width: 680px;
  margin: 0 auto 3rem;
  text-align: center;
}
.section-intro p { color: var(--text-muted); font-size: 1.05rem; }

/* --- Buttons --- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.78rem 1.75rem;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 0.95rem;
  font-family: var(--font);
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--transition);
  white-space: nowrap;
  text-decoration: none;
  line-height: 1.3;
}

.btn-primary {
  background: var(--blue);
  color: var(--white);
  border-color: var(--blue);
}
.btn-primary:hover {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: var(--shadow);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.6);
}
.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}

.btn-outline-navy {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white);
}

.btn-gold {
  background: var(--gold);
  color: var(--white);
  border-color: var(--gold);
}
.btn-gold:hover {
  background: #b8922a;
  border-color: #b8922a;
  color: var(--white);
}

.btn-sm { padding: 0.55rem 1.2rem; font-size: 0.875rem; }
.btn-lg { padding: 1rem 2.25rem; font-size: 1.05rem; }

.cta-group {
  display: flex;
  flex-wrap: wrap;
  gap: 0.875rem;
  margin-top: 2rem;
}

/* --- Header / Navigation --- */
.site-header {
  background: var(--navy-dark);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 12px rgba(0,0,0,0.25);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
  gap: 1.5rem;
}

.site-logo {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  gap: 0.75rem;
  text-decoration: none;
}
.site-logo img {
  height: 44px;
  width: auto;
}
.site-logo-text {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.02em;
  line-height: 1.2;
}
.site-logo-text span {
  display: block;
  font-size: 0.65rem;
  font-weight: 400;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 0.05rem;
  flex: 1;
  justify-content: center;
}

.site-nav a {
  color: rgba(255,255,255,0.82);
  font-size: 0.8rem;
  font-weight: 500;
  padding: 0.4rem 0.55rem;
  border-radius: 4px;
  transition: all var(--transition);
  white-space: nowrap;
  letter-spacing: 0.01em;
}
.site-nav a:hover,
.site-nav a.active {
  color: var(--white);
  background: rgba(255,255,255,0.1);
}
.nav-cta-mobile { display: none; }

.header-cta {
  flex-shrink: 0;
}
.header-cta .btn {
  font-size: 0.875rem;
  padding: 0.55rem 1.1rem;
  background: var(--blue);
  border-color: var(--blue);
  color: var(--white);
  border-radius: 4px;
}
.header-cta .btn:hover {
  background: var(--blue-light);
  border-color: var(--blue-light);
  transform: none;
  box-shadow: none;
}

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  margin-left: auto;
}
.nav-toggle span {
  display: block;
  width: 26px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 1200px) {
  .site-nav { display: none; gap: 0; }
  .nav-toggle { display: flex; }
  .header-cta { display: none; }

  .site-nav.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    bottom: 0;
    background: var(--navy-dark);
    padding: 1.5rem 1.25rem;
    overflow-y: auto;
    z-index: 999;
    align-items: flex-start;
    justify-content: flex-start;
    gap: 0.25rem;
  }
  .site-nav.open a {
    font-size: 1.05rem;
    padding: 0.75rem 0.5rem;
    width: 100%;
    border-bottom: 1px solid rgba(255,255,255,0.07);
    border-radius: 0;
  }
  .site-nav.open .nav-cta-mobile {
    display: block;
    margin-top: 1.5rem;
    width: 100%;
    text-align: center;
    background: var(--blue);
    color: var(--white);
    padding: 0.9rem;
    border-radius: var(--radius);
    font-weight: 700;
    font-size: 1.05rem;
  }
}

/* --- Topbar --- */
.topbar {
  background: var(--navy);
  padding: 0.45rem 0;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.75);
}
.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 0.5rem;
}
.topbar a { color: rgba(255,255,255,0.85); }
.topbar a:hover { color: var(--white); }
.topbar-links { display: flex; gap: 1.5rem; }

@media (max-width: 640px) {
  .topbar { display: none; }
}

/* --- Hero --- */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 55%, var(--navy-mid) 100%);
  color: var(--white);
  padding: 96px 0 88px;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}
.hero-inner {
  position: relative;
  z-index: 1;
  max-width: 820px;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.9);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 0.35rem 0.9rem;
  border-radius: 999px;
  margin-bottom: 1.5rem;
}
.hero h1 { color: var(--white); margin-bottom: 1.25rem; font-size: clamp(2rem, 4.5vw, 3.2rem); }
.hero p { font-size: 1.12rem; color: rgba(255,255,255,0.82); max-width: 640px; margin-bottom: 0; }

.hero-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 2.5rem;
  padding-top: 2.5rem;
  border-top: 1px solid rgba(255,255,255,0.15);
}
.hero-badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.8);
  font-weight: 500;
}
.hero-badge::before {
  content: '✓';
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  background: var(--blue);
  border-radius: 50%;
  font-size: 0.7rem;
  color: var(--white);
  flex-shrink: 0;
}

/* --- Section Headings --- */
.section-label {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 0.75rem;
}
.section-label--white { color: rgba(255,255,255,0.65); }

/* --- Cards --- */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: all var(--transition);
  height: 100%;
  display: flex;
  flex-direction: column;
}
.card:hover {
  box-shadow: var(--shadow);
  border-color: var(--blue-light);
  transform: translateY(-2px);
}

.card-icon {
  width: 52px;
  height: 52px;
  background: linear-gradient(135deg, #e8f0fb, #d0e2f8);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.4rem;
  flex-shrink: 0;
}

.card h3 { margin-bottom: 0.6rem; font-size: 1.15rem; }
.card p  { color: var(--text-muted); font-size: 0.925rem; flex: 1; }

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  color: var(--blue);
  font-size: 0.875rem;
  font-weight: 600;
  margin-top: 1.25rem;
  transition: gap var(--transition);
}
.card-link:hover { gap: 0.6rem; color: var(--navy); }

/* Service cards */
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.service-card:hover {
  border-color: var(--blue);
  box-shadow: var(--shadow);
  transform: translateY(-3px);
}
.service-card .card-icon { margin-bottom: 1rem; }
.service-card h3 { margin-bottom: 0.5rem; font-size: 1.05rem; }
.service-card p  { color: var(--text-muted); font-size: 0.9rem; flex: 1; margin-bottom: 1rem; }
.service-card .who { font-size: 0.82rem; color: var(--slate-light); margin-bottom: 1rem; }
.service-card .who strong { color: var(--navy); }

/* --- Trust Section --- */
.trust-section { background: var(--gray-100); }
.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
  justify-content: center;
  margin-top: 2.5rem;
}
.trust-badge {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.25rem 1.5rem;
  text-align: center;
  min-width: 200px;
  flex: 1;
  max-width: 260px;
}
.trust-badge-icon { font-size: 1.75rem; margin-bottom: 0.5rem; }
.trust-badge h4 { font-size: 0.9rem; margin-bottom: 0.25rem; color: var(--navy); }
.trust-badge p  { font-size: 0.82rem; color: var(--text-muted); }

/* Trustindex widget slot — never collapse or hide it */
.trustindex-wrapper {
  margin: 2rem 0 0;
  min-height: 0;
  overflow: visible;
}
.trustindex-wrapper > * { display: block !important; visibility: visible !important; opacity: 1 !important; }
.trustindex-wrapper iframe { display: block !important; min-height: 300px; width: 100%; border: none; }

/* Review fallback cards (always visible) */
.review-fallback {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.25rem;
  margin-top: 2rem;
}
.review-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
}
.review-stars { color: #f4b400; font-size: 1rem; margin-bottom: 0.5rem; letter-spacing: 0.05em; }
.review-text  { font-size: 0.9rem; color: var(--text-muted); font-style: italic; margin-bottom: 0.75rem; line-height: 1.6; }
.review-author { font-size: 0.82rem; font-weight: 600; color: var(--navy); }

/* --- Spotlight Section --- */
.spotlight {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.spotlight--reverse { direction: rtl; }
.spotlight--reverse > * { direction: ltr; }

@media (max-width: 768px) {
  .spotlight, .spotlight--reverse { grid-template-columns: 1fr; direction: ltr; }
}

.spotlight-content h2 { margin-bottom: 1rem; }
.spotlight-content p  { color: var(--text-muted); margin-bottom: 1.25rem; }

.spotlight-list { margin: 1.25rem 0; }
.spotlight-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.6rem 0;
  border-bottom: 1px solid var(--gray-200);
  font-size: 0.925rem;
  color: var(--text);
}
.spotlight-list li:last-child { border-bottom: none; }
.spotlight-list li::before {
  content: '→';
  color: var(--blue);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: 0.05rem;
}

.spotlight-box {
  background: var(--navy-dark);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  color: var(--white);
}
.spotlight-box h3 { color: var(--white); margin-bottom: 1rem; }
.spotlight-box p  { color: rgba(255,255,255,0.78); font-size: 0.925rem; }

/* --- Compliance Box --- */
.compliance-box {
  background: var(--gray-100);
  border: 1px solid var(--border);
  border-left: 4px solid var(--navy);
  border-radius: var(--radius);
  padding: 1.75rem 2rem;
  font-size: 0.9rem;
  color: var(--text-muted);
  margin: 2rem 0;
}
.compliance-box strong { color: var(--navy); }
.compliance-box p { margin-bottom: 0.5rem; }

/* --- CTA Strip --- */
.cta-strip {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  padding: 72px 0;
  text-align: center;
  color: var(--white);
}
.cta-strip h2 { color: var(--white); margin-bottom: 1rem; }
.cta-strip p  { color: rgba(255,255,255,0.78); max-width: 560px; margin: 0 auto 2rem; font-size: 1.05rem; }

/* Contact cards */
.contact-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 1.5rem; }
.contact-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  text-align: center;
  transition: all var(--transition);
}
.contact-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.contact-card-icon { font-size: 2rem; margin-bottom: 0.75rem; }
.contact-card h3 { font-size: 1rem; margin-bottom: 0.5rem; color: var(--navy); }
.contact-card a { font-size: 1.05rem; font-weight: 700; color: var(--blue); }
.contact-card a:hover { color: var(--navy); }
.contact-card p { font-size: 0.85rem; color: var(--text-muted); margin-top: 0.25rem; }

/* --- YouTube Section --- */
.youtube-section { background: var(--gray-100); }
.youtube-card {
  display: flex;
  align-items: center;
  gap: 3rem;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  margin-top: 2rem;
}
.youtube-icon {
  flex-shrink: 0;
  width: 80px;
  height: 80px;
  background: #ff0000;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  color: var(--white);
}
.youtube-card h3 { margin-bottom: 0.5rem; }
.youtube-card p  { color: var(--text-muted); margin-bottom: 1rem; font-size: 0.925rem; }

@media (max-width: 640px) {
  .youtube-card { flex-direction: column; text-align: center; }
}

/* --- Info Boxes (for content pages) --- */
.info-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; margin: 2rem 0; }
.info-box {
  background: var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  border: 1px solid var(--border);
}
.info-box h4 { margin-bottom: 0.5rem; color: var(--navy); }
.info-box p  { font-size: 0.9rem; color: var(--text-muted); margin: 0; }

/* --- Checklist --- */
.checklist { margin: 1.5rem 0; }
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.55rem 0;
  font-size: 0.935rem;
  color: var(--text);
  border-bottom: 1px solid var(--gray-200);
}
.checklist li:last-child { border-bottom: none; }
.checklist li .check {
  width: 22px;
  height: 22px;
  background: var(--blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.7rem;
  color: var(--white);
  margin-top: 0.05rem;
}

/* Checklist inside dark/navy panels — ensure readability */
.spotlight-box .checklist li,
.section--dark .checklist li,
.section--navy .checklist li,
.dark-panel .checklist li,
.cta-strip .checklist li {
  color: rgba(255,255,255,0.9);
  border-bottom-color: rgba(255,255,255,0.12);
}
.spotlight-box .checklist li:last-child,
.section--dark .checklist li:last-child,
.section--navy .checklist li:last-child {
  border-bottom: none;
}
.spotlight-box .spotlight-list li,
.section--dark .spotlight-list li,
.section--navy .spotlight-list li {
  color: rgba(255,255,255,0.88);
}

/* --- Breadcrumb --- */
.breadcrumb {
  background: var(--gray-100);
  border-bottom: 1px solid var(--border);
  padding: 0.6rem 0;
  font-size: 0.82rem;
  color: var(--text-muted);
}
.breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem;
  align-items: center;
  list-style: none;
  margin: 0;
  padding: 0;
}
.breadcrumb li { list-style: none; }
.breadcrumb li + li::before { content: '›'; margin-right: 0.35rem; color: var(--gray-300); }
.breadcrumb a { color: var(--blue); }
.breadcrumb li:last-child { color: var(--text-muted); }

/* --- Page Hero (inner pages) --- */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  color: var(--white);
  padding: 72px 0 60px;
}
.page-hero h1 { color: var(--white); margin-bottom: 0.75rem; }
.page-hero p  { color: rgba(255,255,255,0.78); font-size: 1.05rem; max-width: 640px; }

/* --- Content Page Prose --- */
.prose h2 { margin: 2.5rem 0 1rem; padding-top: 0.5rem; }
.prose h3 { margin: 2rem 0 0.75rem; color: var(--navy); }
.prose p  { color: var(--text-muted); }
.prose ul { margin: 1rem 0 1.25rem 1.5rem; }
.prose ul li { list-style: disc; margin-bottom: 0.4rem; color: var(--text-muted); font-size: 0.935rem; }

/* --- Page Layout: sidebar --- */
.page-layout { display: grid; grid-template-columns: 1fr 320px; gap: 3rem; align-items: start; }
@media (max-width: 960px) { .page-layout { grid-template-columns: 1fr; } }

.sidebar-card {
  background: var(--navy-dark);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 2rem;
  position: sticky;
  top: 90px;
}
.sidebar-card h3 { color: var(--white); margin-bottom: 0.5rem; font-size: 1.15rem; }
.sidebar-card p  { color: rgba(255,255,255,0.75); font-size: 0.9rem; margin-bottom: 1.25rem; }
.sidebar-contact-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--white);
  font-weight: 600;
  font-size: 1rem;
  margin-bottom: 0.75rem;
}
.sidebar-links { margin-top: 1.5rem; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,0.15); }
.sidebar-links h4 { color: rgba(255,255,255,0.6); font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 0.75rem; }
.sidebar-links a {
  display: block;
  color: rgba(255,255,255,0.78);
  font-size: 0.9rem;
  padding: 0.4rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.08);
  transition: color var(--transition);
}
.sidebar-links a:hover { color: var(--white); }

/* --- Guides/Cards page specific --- */
.guide-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  transition: all var(--transition);
  cursor: default;
}
.guide-card:hover { box-shadow: var(--shadow-sm); border-color: var(--gray-300); }
.guide-num {
  display: inline-block;
  background: var(--navy-dark);
  color: var(--white);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 0.2rem 0.55rem;
  border-radius: 4px;
  margin-bottom: 0.75rem;
}
.guide-card h3 { font-size: 1rem; margin-bottom: 0.4rem; }
.guide-card p { font-size: 0.875rem; color: var(--text-muted); margin: 0; }
.guide-tag {
  display: inline-block;
  background: var(--gray-100);
  color: var(--navy);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.2rem 0.6rem;
  border-radius: 4px;
  margin-top: 0.75rem;
}

/* --- Calculators/Checklist --- */
.checklist-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: 2rem;
}
.checklist-card-header {
  background: var(--navy-dark);
  color: var(--white);
  padding: 1.25rem 1.75rem;
}
.checklist-card-header h3 { color: var(--white); font-size: 1.1rem; margin: 0; }
.checklist-card-body { padding: 1.5rem 1.75rem; }
.checklist-card-body li {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  padding: 0.65rem 0;
  font-size: 0.9rem;
  color: var(--text);
  border-bottom: 1px solid var(--gray-200);
}
.checklist-card-body li:last-child { border-bottom: none; }
.checklist-card-body li::before {
  content: '';
  width: 18px;
  height: 18px;
  border: 2px solid var(--blue);
  border-radius: 4px;
  flex-shrink: 0;
  margin-top: 0.15rem;
}

/* --- Footer --- */
.site-footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.72);
  padding: 64px 0 0;
  font-size: 0.9rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}
@media (max-width: 900px)  { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 540px)  { .footer-grid { grid-template-columns: 1fr; } }

.footer-brand .site-logo { margin-bottom: 1rem; }
.footer-brand p { font-size: 0.875rem; color: rgba(255,255,255,0.6); line-height: 1.7; }

.footer-col h4 {
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 1.1rem;
}
.footer-col ul li { margin-bottom: 0.5rem; }
.footer-col a { color: rgba(255,255,255,0.65); font-size: 0.875rem; transition: color var(--transition); }
.footer-col a:hover { color: var(--white); }
.footer-col address { font-style: normal; color: rgba(255,255,255,0.6); font-size: 0.875rem; line-height: 1.8; }
.footer-col address a { color: rgba(255,255,255,0.65); display: block; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1.25rem 0;
  margin-top: 0;
}
.footer-bottom-inner {
  display: flex;
  align-items: flex-start;
  gap: 1.5rem;
  flex-wrap: wrap;
  justify-content: space-between;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
}
.footer-bottom p { margin: 0; line-height: 1.6; }
.footer-bottom a { color: rgba(255,255,255,0.5); }

/* --- Utilities --- */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }
.divider { border: none; border-top: 1px solid var(--border); margin: 2rem 0; }

/* --- Map embed --- */
.map-wrap {
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
  margin-top: 2rem;
}
.map-wrap iframe { display: block; width: 100%; }

/* --- Stats row --- */
.stats-row {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 2rem;
  padding: 3rem 0;
}
.stat-item { text-align: center; }
.stat-num  { font-size: 2.25rem; font-weight: 800; color: var(--white); line-height: 1; margin-bottom: 0.35rem; }
.stat-label { font-size: 0.875rem; color: rgba(255,255,255,0.65); }

/* --- Animations --- */
@media (prefers-reduced-motion: no-preference) {
  .fade-up { opacity: 0; transform: translateY(18px); transition: opacity 0.5s ease, transform 0.5s ease; }
  .fade-up.visible { opacity: 1; transform: none; }
}

/* --- Enquiry Form --- */
.enquiry-form .form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
  margin-bottom: 1.25rem;
}
@media (max-width: 640px) {
  .enquiry-form .form-row { grid-template-columns: 1fr; }
}
.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  margin-bottom: 1.25rem;
}
.enquiry-form .form-row .form-group { margin-bottom: 0; }
.form-group label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--navy-dark);
}
.form-group input,
.form-group select,
.form-group textarea {
  padding: 0.7rem 0.9rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--font);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
  width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(27,95,181,0.12);
}
.form-group textarea { resize: vertical; min-height: 120px; }

/* --- FAQ --- */
.faq-list { display: flex; flex-direction: column; gap: 0.75rem; }
.faq-item {
  border: 1.5px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.faq-item summary {
  padding: 1.1rem 1.4rem;
  font-weight: 600;
  color: var(--navy-dark);
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 1rem;
  user-select: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--blue);
  flex-shrink: 0;
  margin-left: 1rem;
}
.faq-item[open] summary::after { content: '−'; }
.faq-item[open] summary { border-bottom: 1px solid var(--border); }
.faq-item > p {
  padding: 1rem 1.4rem;
  margin: 0;
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.7;
}