/* ==========================================================================
   Phybermartfinancial — core stylesheet
   Palette: navy ground, amber-orange accent. Montserrat / Open Sans.
   ========================================================================== */

/* --- Tokens -------------------------------------------------------------- */
:root {
  /* Reference palette: deep navy ground, amber-orange accent */
  --ink:        #0f2133;   /* dark navy — section backgrounds */
  --ink-deep:   #0a1726;   /* darker navy — footer */
  --ink-soft:   #495767;   /* body text on light */
  --ink-faint:  #8b959f;
  --paper:      #eaf1f9;
  --paper-alt:  #eef5fc;   /* blue-tinted light */
  --accent:     #ef9722;   /* amber-orange */
  --accent-dk:  #d47f10;
  --accent-tint:#fdf0dd;
  --accent-text:#a35f00;  /* AA-compliant on white (5.01:1) */
  --on-dark:    #e8edf2;   /* text on navy */
  --on-dark-mut:#9dabb8;
  --rule:       #d9e4ef;
  --blue:       #1f6fb2;   /* brand blue */
  --blue-dk:    #17548a;
  --blue-text:  #175990;   /* AA on white */
  --blue-pale:  #f2f8fd;
  --blue-soft:  #e4eff9;
  --blue-edge:  #cfe1f2;

  /* Accent family — bright for fills/borders, -text passes AA on white */
  --c-amber:      #ef9722;
  --c-amber-text: #a9660c;
  --c-amber-tint: #fbf4eb;
  --c-teal:      #1f8fa3;
  --c-teal-text: #1c8092;
  --c-teal-tint: #e7f5f7;
  --c-blue:      #3579c4;
  --c-blue-text: #3477c0;
  --c-blue-tint: #ecf2f8;
  --c-green:      #2fa06f;
  --c-green-text: #27845c;
  --c-green-tint: #eaf6f1;
  --c-rose:      #c85f7d;
  --c-rose-text: #c14c6e;
  --c-rose-tint: #f8f0f3;
  --c-violet:      #7a67bd;
  --c-violet-text: #7a67bd;
  --c-violet-tint: #f2f1f7;


  --font-display: "Montserrat", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-body:    "Open Sans", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-mono:    "Roboto Mono", ui-monospace, Menlo, monospace;

  --shell:  1180px;
  --gut:    clamp(1.25rem, 4vw, 2.5rem);
  --band:   clamp(4rem, 9vw, 7rem);
  --radius: 6px;
}

/* --- Reset --------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--blue-text); text-decoration-thickness: 1px; text-underline-offset: 3px; }
ul { margin: 0; padding: 0; list-style: none; }

:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 3px;
  border-radius: 2px;
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
}

/* --- Type ---------------------------------------------------------------- */
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.18;
  letter-spacing: -0.01em;
  margin: 0;
  text-wrap: balance;
}
h1 { font-size: clamp(2.4rem, 5.6vw, 4.1rem); }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.85rem); }
h3 { font-size: 1.3rem; letter-spacing: -0.005em; }
p  { margin: 0 0 1.1em; }
p:last-child { margin-bottom: 0; }

.eyebrow {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent-text);
  margin: 0 0 1rem;
}
.lede { font-size: 1.15rem; color: var(--ink-soft); max-width: 58ch; }
.muted { color: var(--ink-soft); }

/* The signature device: accounting rules. Single = subtotal, double = total. */
.rule-double {
  border: 0;
  background: var(--accent);
  height: 4px;
  width: 70px;
  border-radius: 2px;
  margin: 1.5rem 0;
}
.rule-single {
  border: 0;
  border-top: 1px solid var(--rule);
  margin: 0;
}

/* --- Layout -------------------------------------------------------------- */
.shell {
  width: 100%;
  max-width: var(--shell);
  margin-inline: auto;
  padding-inline: var(--gut);
}
.band {
  padding-block: var(--band);
  background: linear-gradient(180deg, #f4f8fc 0%, #e3edf7 100%);
}
.band-alt {
  background: linear-gradient(180deg, #dceaf7 0%, #c9dff2 100%);
}
.band-blue {
  background: linear-gradient(160deg, #d3e6f6 0%, #b9d6ee 100%);
  border-block: 1px solid #a8cbe8;
}
.band-ink {
  background: var(--ink);
  background-image:
    radial-gradient(ellipse 75% 65% at 12% 0%, rgba(47,124,196,0.34), transparent 62%),
    radial-gradient(ellipse 65% 60% at 88% 100%, rgba(31,143,163,0.24), transparent 62%),
    radial-gradient(ellipse 50% 40% at 50% 50%, rgba(239,151,34,0.10), transparent 70%);
  color: var(--on-dark);
}
.band-ink h2, .band-ink h3 { color: var(--paper); }
.band-ink .eyebrow { color: var(--accent); }
.band-ink .lede { color: var(--on-dark-mut); }

.section-head { max-width: 62ch; margin-bottom: 3rem; }

/* --- Buttons ------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  padding: 0.85rem 1.6rem;
  border-radius: var(--radius);
  border: 1px solid transparent;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.18s ease, color 0.18s ease, border-color 0.18s ease, transform 0.18s ease;
}
.btn-primary { background: var(--accent); color: #12212f; font-weight: 700; }
.btn-primary:hover { background: var(--accent-dk); color: #fff; transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--ink); border-color: var(--rule); }
.btn-ghost:hover { border-color: var(--ink); background: rgba(0,0,0,0.03); }
.band-ink .btn-ghost { color: var(--paper); border-color: rgba(255,255,255,0.32); }
.band-ink .btn-ghost:hover { background: rgba(255,255,255,0.08); border-color: var(--paper); }
.btn-row { display: flex; flex-wrap: wrap; gap: 0.85rem; margin-top: 2rem; }

/* --- Header -------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--blue-edge);
  box-shadow: 0 1px 12px rgba(23,90,146,0.06);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  min-height: 74px;
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
  color: var(--ink);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.16rem;
  letter-spacing: -0.02em;
  white-space: nowrap;
}
.brand-mark { width: 30px; height: 30px; flex: none; }

.nav-toggle {
  display: none;
  background: none;
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  padding: 0.5rem 0.7rem;
  cursor: pointer;
  color: var(--ink);
  font-size: 1.05rem;
  line-height: 1;
}

.nav { display: flex; align-items: center; gap: 1.75rem; }
.nav a {
  color: var(--ink-soft);
  text-decoration: none;
  font-size: 0.94rem;
  font-weight: 500;
  padding-block: 0.35rem;
  border-bottom: 2px solid transparent;
  transition: color 0.16s ease, border-color 0.16s ease;
}
.nav a:hover { color: var(--blue-text); }
.nav a[aria-current="page"] { color: var(--ink); border-bottom-color: var(--accent); }
.nav .btn { padding: 0.6rem 1.15rem; border-bottom: 0; color: #12212f; }
.nav .btn:hover { color: #fff; }

@media (max-width: 900px) {
  .nav-toggle { display: block; }
  .nav {
    position: absolute;
    inset: 100% 0 auto 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--rule);
    padding: 0.5rem var(--gut) 1.4rem;
    display: none;
  }
  .nav.is-open { display: flex; }
  .nav a { padding-block: 0.85rem; border-bottom: 1px solid var(--rule); }
  .nav a[aria-current="page"] { border-bottom-color: var(--rule); }
  .nav .btn { justify-content: center; margin-top: 1rem; border: 1px solid var(--accent); }
}

/* --- Hero ---------------------------------------------------------------- */
.hero { padding-block: clamp(4rem, 10vw, 7.5rem); }
.hero-centred {
  text-align: center;
  max-width: 900px;
}
.hero-centred h1 { margin-inline: auto; }
.hero-centred .lede { margin-inline: auto; }
.hero-centred .rule-double { margin-inline: auto; }
.hero-centred .btn-row { justify-content: center; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(2.5rem, 6vw, 5rem);
  align-items: center;
}
@media (max-width: 940px) { .hero-grid { grid-template-columns: 1fr; } }

/* --- Trust strip --------------------------------------------------------- */
.strip {
  border-block: 1px solid var(--blue-edge);
  background: linear-gradient(90deg, #17548a 0%, #1f6fb2 50%, #17798a 100%);
  padding-block: 1.5rem;
}
.strip-inner {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 2.5rem;
  align-items: center;
  justify-content: space-between;
  font-family: var(--font-mono);
  font-size: 0.74rem;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: #ffffff;
}

/* --- Cards --------------------------------------------------------------- */
.grid { display: grid; gap: 1.5rem; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 900px) { .grid-3 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px)  { .grid-3, .grid-2 { grid-template-columns: 1fr; } }

.card {
  position: relative;
  overflow: hidden;
  background: #ffffff;
  border: 1px solid #cfe0ef;
  border-radius: var(--radius);
  padding: 1.9rem 1.6rem;
  display: flex;
  flex-direction: column;
  transition: border-color 0.18s ease, box-shadow 0.18s ease, transform 0.18s ease;
}
.card:hover {
  border-color: var(--accent);
  box-shadow: 0 16px 34px -12px rgba(16,63,105,0.34);
  transform: translateY(-2px);
}
/* Account-code refs: a real chart-of-accounts convention, not decoration. */
.card .ref {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.13em;
  color: var(--ink-faint);
  margin-bottom: 1.1rem;
  padding-bottom: 0.9rem;
  border-bottom: 1px solid var(--rule);
}
.card h3 { margin-bottom: 0.7rem; }
.card p { color: var(--ink-soft); font-size: 0.97rem; }
.card .card-link {
  margin-top: 1.3rem;
  font-size: 0.9rem;
  font-weight: 600;
  text-decoration: none;
}
.card .card-link:hover { text-decoration: underline; }
.prose a:hover, .detail-list a:hover { color: var(--blue-dk); }


/* --- Card colour coding ---------------------------------------------------
   Each service card carries its own hue on the top edge and its account
   code. Aids scanning across a six-card grid; the body stays neutral so
   the page does not turn into a paint chart.
   -------------------------------------------------------------------------- */
.grid .card::before,
.split .card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 4px;
  background: var(--card-hue, var(--accent));
  transition: height 0.22s ease;
}
.grid .card:hover::before,
.split .card:hover::before { height: 7px; }
.grid .card .ref,
.split .card .ref { color: var(--card-hue-text, var(--accent-text)); }
.grid .card:hover,
.split .card:hover {
  border-color: var(--card-hue, var(--accent));
  background: linear-gradient(180deg, #ffffff 55%, var(--card-tint, var(--blue-pale)) 100%);
}

.grid .card:nth-child(6n+1) { --card-hue: var(--c-amber);  --card-hue-text: var(--c-amber-text);  --card-tint: var(--c-amber-tint); }
.grid .card:nth-child(6n+2) { --card-hue: var(--c-teal);   --card-hue-text: var(--c-teal-text);   --card-tint: var(--c-teal-tint); }
.grid .card:nth-child(6n+3) { --card-hue: var(--c-blue);   --card-hue-text: var(--c-blue-text);   --card-tint: var(--c-blue-tint); }
.grid .card:nth-child(6n+4) { --card-hue: var(--c-green);  --card-hue-text: var(--c-green-text);  --card-tint: var(--c-green-tint); }
.grid .card:nth-child(6n+5) { --card-hue: var(--c-rose);   --card-hue-text: var(--c-rose-text);   --card-tint: var(--c-rose-tint); }
.grid .card:nth-child(6n+6) { --card-hue: var(--c-violet); --card-hue-text: var(--c-violet-text); --card-tint: var(--c-violet-tint); }

/* Pricing tiers keep the brand accent — colour there would imply a
   difference in kind between tiers that does not exist. */
.grid .price-card::before { background: var(--accent); }
.grid .price-card .ref { color: var(--accent-text); }
.grid .price-card:hover { border-color: var(--accent); }
.grid .price-card.is-featured::before { transform: scaleX(1); height: 4px; }

/* Services page: one hue per section, matching the home-page card order. */
#bookkeeping .card { --card-hue: var(--c-amber);  --card-hue-text: var(--c-amber-text);  --card-tint: var(--c-amber-tint); }
#tax .card         { --card-hue: var(--c-teal);   --card-hue-text: var(--c-teal-text);   --card-tint: var(--c-teal-tint); }
#cfo .card         { --card-hue: var(--c-blue);   --card-hue-text: var(--c-blue-text);   --card-tint: var(--c-blue-tint); }
#loans .card       { --card-hue: var(--c-green);  --card-hue-text: var(--c-green-text);  --card-tint: var(--c-green-tint); }
#cleanup .card     { --card-hue: var(--c-rose);   --card-hue-text: var(--c-rose-text);   --card-tint: var(--c-rose-tint); }
#systems .card     { --card-hue: var(--c-violet); --card-hue-text: var(--c-violet-text); --card-tint: var(--c-violet-tint); }
/* Match each section's accent bar to its card. */
#bookkeeping .rule-double { background: var(--c-amber); }
#tax .rule-double         { background: var(--c-teal); }
#cfo .rule-double         { background: var(--c-blue); }
#loans .rule-double       { background: var(--c-green); }
#cleanup .rule-double     { background: var(--c-rose); }
#systems .rule-double     { background: var(--c-violet); }
#bookkeeping .eyebrow { color: var(--c-amber-text); }
#tax .eyebrow         { color: var(--c-teal-text); }
#cfo .eyebrow         { color: var(--c-blue-text); }
#loans .eyebrow       { color: var(--c-green-text); }
#cleanup .eyebrow     { color: var(--c-rose-text); }
#systems .eyebrow     { color: var(--c-violet-text); }

/* --- Split section ------------------------------------------------------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(2.5rem, 6vw, 5rem);
  align-items: center;
}
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }

.stat-list {
  display: grid;
  gap: 0;
  background: #fff;
  border: 1px solid #cfe0ef;
  border-radius: var(--radius);
  padding: 0.25rem 1.4rem 0.6rem;
  box-shadow: 0 10px 26px -16px rgba(16,63,105,0.3);
}
.stat-list li {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 1rem;
  padding-block: 1.1rem;
  border-bottom: 1px solid var(--rule);
}
.stat-list li:first-child { border-top: 2px solid var(--ink); }
.stat-list .k { color: var(--ink-soft); font-size: 0.95rem; }
.stat-list li:nth-child(1) .v { color: var(--c-amber-text); }
.stat-list li:nth-child(2) .v { color: var(--c-teal-text); }
.stat-list li:nth-child(3) .v { color: var(--c-blue-text); }
.stat-list li:nth-child(4) .v { color: var(--c-green-text); }
.stat-list li:nth-child(5) .v { color: var(--c-rose-text); }
.stat-list li:nth-child(6) .v { color: var(--c-violet-text); }
.stat-list .v {
  font-family: var(--font-mono);
  font-weight: 500;
  font-size: 1.02rem;
  color: var(--accent-text);
  font-variant-numeric: tabular-nums;
}

/* --- Checklist ----------------------------------------------------------- */
.checks { display: grid; gap: 0.75rem; margin-top: 1.5rem; }
.checks li {
  position: relative;
  padding-left: 1.7rem;
  color: var(--ink-soft);
  font-size: 0.98rem;
}
.checks li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.62em;
  width: 10px;
  height: 6px;
  border-left: 2px solid var(--card-hue-text, var(--accent-text));
  border-bottom: 2px solid var(--card-hue-text, var(--accent-text));
  transform: rotate(-45deg);
}

/* --- Pricing ------------------------------------------------------------- */
.price-card { position: relative; }
.price-card.is-featured {
  border-color: var(--accent);
  background: linear-gradient(180deg, #fffdf9 0%, #ffffff 42%);
  box-shadow: 0 18px 44px -24px rgba(239,151,34,0.45);
}
.price-tag {
  position: absolute;
  top: -0.75rem;
  left: 1.6rem;
  background: var(--accent);
  color: #12212f;
  font-family: var(--font-mono);
  font-size: 0.66rem;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  padding: 0.3rem 0.7rem;
  border-radius: 2px;
}
.price {
  font-family: var(--font-mono);
  font-size: 1.55rem;
  font-weight: 500;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
  margin: 0.4rem 0 0.2rem;
  letter-spacing: -0.02em;
}
.price-unit { font-size: 0.85rem; color: var(--ink-faint); }
.price-card .checks { margin-top: 1.4rem; padding-top: 1.4rem; border-top: 1px solid var(--rule); }
.price-card .btn { margin-top: auto; justify-content: center; }
.price-card .checks + .btn { margin-top: 1.8rem; }

/* --- Table --------------------------------------------------------------- */
.table-wrap {
  overflow-x: auto;
  border: 1px solid var(--blue-edge);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 10px 26px -20px rgba(23,90,146,0.35);
}
tbody tr:nth-child(even) { background: #f1f7fc; }
table { width: 100%; border-collapse: collapse; min-width: 560px; }
th, td { padding: 1rem 1.25rem; text-align: left; border-bottom: 1px solid var(--rule); font-size: 0.95rem; }
th {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-faint);
  font-weight: 500;
  border-bottom: 2px solid var(--accent);
}
td.num { font-family: var(--font-mono); font-variant-numeric: tabular-nums; color: var(--accent-text); white-space: nowrap; }
tbody tr:last-child td { border-bottom: 0; }

/* --- FAQ ----------------------------------------------------------------- */
.faq {
  border-top: 3px solid var(--blue);
  background: #fff;
  border-radius: var(--radius);
  padding: 0 1.5rem;
  box-shadow: 0 10px 26px -16px rgba(16,63,105,0.3);
}
.faq details { border-bottom: 1px solid var(--rule); }
.faq summary {
  cursor: pointer;
  padding: 1.35rem 2.5rem 1.35rem 0;
  font-weight: 600;
  font-size: 1.03rem;
  position: relative;
  list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  position: absolute;
  right: 0.25rem;
  top: 50%;
  transform: translateY(-50%);
  font-family: var(--font-mono);
  font-size: 1.3rem;
  color: var(--accent-text);
  transition: transform 0.2s ease;
}
.faq details[open] summary::after { content: "\2013"; }
.faq details p { color: var(--ink-soft); padding-bottom: 1.4rem; max-width: 72ch; }

/* --- Forms --------------------------------------------------------------- */
.form-grid {
  display: grid;
  gap: 1.15rem;
  background: #fff;
  border: 1px solid #cfe0ef;
  border-radius: var(--radius);
  padding: 1.8rem;
  box-shadow: 0 12px 30px -16px rgba(16,63,105,0.32);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.15rem; }
@media (max-width: 640px) { .field-row { grid-template-columns: 1fr; } }
label {
  display: block;
  font-family: var(--font-mono);
  font-size: 0.71rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-soft);
  margin-bottom: 0.45rem;
}
input, select, textarea {
  width: 100%;
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--rule);
  border-radius: var(--radius);
  padding: 0.8rem 0.9rem;
  transition: border-color 0.16s ease, box-shadow 0.16s ease;
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(31,111,178,0.16);
}
textarea { min-height: 140px; resize: vertical; }
.form-note { font-size: 0.85rem; color: var(--ink-faint); }
.form-status {
  margin-top: 1rem;
  font-size: 0.92rem;
  padding: 0.85rem 1rem;
  border-radius: var(--radius);
  border: 1px solid var(--rule);
  background: var(--accent-tint);
  color: #7a4700;
  display: none;
}
.form-status.is-visible { display: block; }

/* --- Contact detail list ------------------------------------------------- */
.detail-list {
  background: #fff;
  border: 1px solid #cfe0ef;
  border-radius: var(--radius);
  padding: 0.25rem 1.4rem 0.6rem;
  box-shadow: 0 10px 26px -16px rgba(16,63,105,0.3);
}
.detail-list li {
  padding-block: 1.15rem;
  border-bottom: 1px solid var(--rule);
}
.detail-list li:first-child { border-top: 2px solid var(--ink); }
.detail-list .k {
  display: block;
  font-family: var(--font-mono);
  font-size: 0.71rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-faint);
  margin-bottom: 0.3rem;
}
.detail-list .v { font-size: 1.02rem; }
.detail-list a { text-decoration: none; }
.detail-list a:hover { text-decoration: underline; }

/* --- Page header (interior pages) --------------------------------------- */
.page-head {
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--blue-edge);
  padding-block: clamp(3rem, 7vw, 5rem) clamp(2.5rem, 5vw, 3.5rem);
  background:
    radial-gradient(ellipse 60% 110% at 88% 0%, rgba(31,111,178,0.30), transparent 64%),
    linear-gradient(155deg, #dbe9f7 0%, #b3d1ea 100%);
}
/* Soft blue arc, bottom-right of every interior header. */
.page-head::after {
  content: "";
  position: absolute;
  right: -90px;
  bottom: -140px;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(31,111,178,0.26), transparent 68%);
  pointer-events: none;
}
.page-head .shell { position: relative; z-index: 1; }

/* --- Legal / prose ------------------------------------------------------- */
.prose {
  max-width: 74ch;
  background: #fff;
  border: 1px solid #cfe0ef;
  border-radius: var(--radius);
  padding: clamp(1.6rem, 4vw, 2.8rem);
  box-shadow: 0 12px 30px -16px rgba(16,63,105,0.3);
}
.prose .updated { background: var(--paper-alt); padding: 0.7rem 1rem; border-radius: var(--radius); }
.prose h2 { font-size: 1.55rem; margin-top: 2.8rem; margin-bottom: 0.9rem; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.12rem; margin-top: 1.8rem; margin-bottom: 0.6rem; }
.prose p, .prose li { color: var(--ink-soft); }
.prose ul { list-style: disc; padding-left: 1.3rem; margin: 0 0 1.1em; }
.prose li { margin-bottom: 0.5rem; }
.prose .updated {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--ink-faint);
  letter-spacing: 0.06em;
  padding-bottom: 1.5rem;
  border-bottom: 1px solid var(--rule);
  margin-bottom: 2.2rem;
}

/* --- CTA band ------------------------------------------------------------ */
.cta-band { text-align: center; }
.cta-band .lede { margin-inline: auto; }
.cta-band .btn-row { justify-content: center; }
.cta-band .rule-double { margin-inline: auto; border-color: var(--paper); }

/* --- Footer -------------------------------------------------------------- */
.site-footer {
  background: linear-gradient(170deg, #12293f 0%, #0a1726 65%);
  color: var(--on-dark-mut);
  padding-block: clamp(3rem, 6vw, 4.5rem) 2rem;
  font-size: 0.93rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1.3fr;
  gap: 2.5rem;
}
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }

.site-footer .brand { color: var(--paper); margin-bottom: 1rem; }
.site-footer h4 {
  font-family: var(--font-mono);
  font-size: 0.71rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  font-weight: 700;
  margin: 0 0 1.1rem;
}
.site-footer a { color: var(--on-dark-mut); text-decoration: none; }
.site-footer a:hover { color: var(--accent); text-decoration: underline; }
.site-footer li { margin-bottom: 0.6rem; }
.pay-label {
  font-family: var(--font-mono);
  font-size: 0.68rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--on-dark-mut);
  margin: 1.6rem 0 0.7rem;
}
.pay-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.55rem;
  margin: 0;
}
/* Card-shaped badges in each network's own brand colour. */
.pay-row li {
  margin: 0;
  width: 54px;
  height: 35px;
  border-radius: 6px;
  display: grid;
  place-items: center;
  box-shadow: 0 2px 5px rgba(0,0,0,0.32);
  transition: transform 0.18s ease, box-shadow 0.18s ease;
}
.pay-row li:hover {
  transform: translateY(-2px);
  box-shadow: 0 5px 12px rgba(0,0,0,0.4);
}
.pay-row i { font-size: 1.6rem; line-height: 1; }

.pay-visa { background: #1a1f71; }
.pay-visa i { color: #ffffff; }

.pay-mc { background: #16181c; }
.pay-mc i { color: #ff5f00; }

.pay-amex { background: #006fcf; }
.pay-amex i { color: #ffffff; }

.pay-disc {
  background: #ffffff;
  border: 1px solid #e2e6ea;   /* defines the white card against the navy footer */
}
.pay-disc i { color: #ff6000; }

.pay-ach { background: #14293d; }
.pay-ach i { color: #7fb2e5; font-size: 1.25rem; }

/* Visually hidden, still read by screen readers. */
.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;
}

.footer-base {
  background: linear-gradient(180deg, transparent, var(--ink-deep));
  margin-top: 3rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.13);
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem 1.5rem;
  justify-content: space-between;
  font-size: 0.83rem;
  color: #6c7883;
}

/* --- Utilities ----------------------------------------------------------- */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--accent);
  color: #fff;
  padding: 0.75rem 1.2rem;
  z-index: 100;
  border-radius: 0 0 var(--radius) 0;
}
.skip-link:focus { left: 0; }
.center { text-align: center; }

/* --- Honeypot ------------------------------------------------------------
   Positioned off-screen rather than display:none — better bot capture rate,
   and kept out of the tab order and the accessibility tree.
   -------------------------------------------------------------------------- */
.hp {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
.form-status.is-error {
  background: #fbeceb;
  border-color: #e0b4b0;
  color: #8c2f26;
}