/* ============================================================
   CLYDE HOMEBUYERS — Main Stylesheet
   Brand palette per Colour_Scheme.txt
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,500;9..144,600;9..144,700&family=Inter:wght@400;500;600;700&display=swap');

:root {
  /* Primary brand */
  --ch-navy: #0B1F3B;
  --ch-navy-80: #2c3f59;
  --ch-navy-60: #4d5f78;
  --ch-gold: #C8A24A;
  --ch-gold-dark: #a8862f;
  --ch-gold-light: #d6b56b;
  --ch-gold-tint: #FBF4E1;

  /* Secondary */
  --ch-offwhite: #F7F9FC;
  --ch-slate: #A7B0BD;
  --ch-slate-light: #cdd4dc;
  --ch-slate-lighter: #e3e7ed;
  --ch-charcoal: #2B2F36;
  --ch-white: #ffffff;

  /* Accents */
  --ch-success: #2FBF71;
  --ch-coral: #FF6B5A;

  /* Typography */
  --ch-font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --ch-font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

  /* Layout */
  --ch-max: 1200px;
  --ch-max-narrow: 800px;
  --ch-radius: 8px;
  --ch-radius-lg: 14px;

  /* Shadows */
  --ch-shadow-sm: 0 1px 2px rgba(11, 31, 59, 0.06);
  --ch-shadow: 0 4px 12px rgba(11, 31, 59, 0.08);
  --ch-shadow-lg: 0 12px 32px rgba(11, 31, 59, 0.14);
  --ch-shadow-gold: 0 8px 24px rgba(200, 162, 74, 0.35);

  --ch-ease: cubic-bezier(0.4, 0, 0.2, 1);
}

*, *::before, *::after { box-sizing: border-box; }

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

body {
  margin: 0;
  font-family: var(--ch-font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ch-charcoal);
  background: var(--ch-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

a {
  color: var(--ch-navy);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-thickness: 1px;
  transition: color .2s var(--ch-ease);
}
a:hover { color: var(--ch-gold-dark); }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--ch-font-display);
  color: var(--ch-navy);
  font-weight: 600;
  letter-spacing: -0.02em;
  line-height: 1.15;
  margin: 0 0 1rem;
}
h1 { font-size: clamp(2rem, 5vw, 3.25rem); line-height: 1.08; }
h2 { font-size: clamp(1.65rem, 4vw, 2.4rem); }
h3 { font-size: clamp(1.15rem, 2.2vw, 1.45rem); }
h4 { font-size: 1.1rem; }

p { margin: 0 0 1rem; }
strong, b { font-weight: 600; color: var(--ch-navy); }
em { font-style: italic; }

.eyebrow {
  display: inline-block;
  font-family: var(--ch-font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ch-gold-dark);
  margin-bottom: 0.65rem;
}

.container { width: 100%; max-width: var(--ch-max); margin-inline: auto; padding-inline: 1.25rem; }
.container-narrow { width: 100%; max-width: var(--ch-max-narrow); margin-inline: auto; padding-inline: 1.25rem; }

.section { padding: 3.5rem 0; }
@media (min-width: 768px) { .section { padding: 5rem 0; } }
.section-alt { background: var(--ch-offwhite); }
.section-dark { background: var(--ch-navy); color: var(--ch-white); }
.section-dark h1, .section-dark h2, .section-dark h3, .section-dark h4 { color: var(--ch-white); }
.section-dark .eyebrow { color: var(--ch-gold-light); }
.section-dark p { color: rgba(255,255,255,0.88); }
.section-dark a { color: var(--ch-gold-light); }

.text-center { text-align: center; }
.muted { color: var(--ch-navy-60); }
.small { font-size: 0.875rem; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: var(--ch-font-body);
  font-weight: 600;
  font-size: 1rem;
  padding: 0.95rem 1.6rem;
  border-radius: var(--ch-radius);
  border: 2px solid transparent;
  text-decoration: none;
  cursor: pointer;
  min-height: 48px;
  transition: all .2s var(--ch-ease);
  white-space: nowrap;
  line-height: 1;
}
.btn-primary { background: var(--ch-gold); color: var(--ch-navy); border-color: var(--ch-gold); }
.btn-primary:hover { background: var(--ch-gold-light); border-color: var(--ch-gold-light); color: var(--ch-navy); transform: translateY(-1px); box-shadow: var(--ch-shadow-gold); }
/* Dark-section primary CTA: bolder text + drop shadow to counter simultaneous-contrast washout */
.section-dark .btn-primary, .hero .btn-primary { color: #000; font-weight: 700; box-shadow: 0 4px 16px rgba(0, 0, 0, 0.25); }
.section-dark .btn-primary:hover, .hero .btn-primary:hover { color: #000; box-shadow: 0 6px 20px rgba(200, 162, 74, 0.45); }
.btn-secondary { background: var(--ch-navy); color: var(--ch-white); border-color: var(--ch-navy); }
.btn-secondary:hover { background: var(--ch-navy-80); color: var(--ch-white); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--ch-navy); border-color: var(--ch-navy); }
.btn-ghost:hover { background: var(--ch-navy); color: var(--ch-white); }
.btn-ghost-on-dark { background: transparent; color: var(--ch-white); border-color: rgba(255,255,255,0.5); }
.btn-ghost-on-dark:hover { background: var(--ch-white); color: var(--ch-navy); border-color: var(--ch-white); }
.btn-success { background: var(--ch-success); color: var(--ch-white); border-color: var(--ch-success); }
.btn-success:hover { background: #25a25e; border-color: #25a25e; color: var(--ch-white); }
.btn-lg { font-size: 1.05rem; padding: 1.05rem 2rem; }
.btn-block { width: 100%; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 100; background: var(--ch-white); border-bottom: 1px solid var(--ch-slate-lighter); }
.site-header-inner { display: flex; align-items: center; justify-content: space-between; padding: 0.6rem 1.25rem; max-width: var(--ch-max); margin: 0 auto; gap: 1rem; }
.site-logo { display: flex; align-items: center; text-decoration: none; flex-shrink: 0; }
.site-logo img { height: 44px; width: auto; }
@media (min-width: 768px) { .site-logo img { height: 52px; } }
.site-logo:hover { color: var(--ch-navy); }

.site-nav { display: none; gap: 1.75rem; align-items: center; }
.site-nav a { color: var(--ch-charcoal); text-decoration: none; font-weight: 500; font-size: 0.97rem; }
.site-nav a:hover { color: var(--ch-gold-dark); }
.site-nav .has-dropdown { position: relative; }
.site-nav .dropdown {
  position: absolute; top: calc(100% + 0.5rem); left: 0;
  background: var(--ch-white); border: 1px solid var(--ch-slate-lighter);
  border-radius: var(--ch-radius); box-shadow: var(--ch-shadow-lg);
  padding: 0.5rem 0; min-width: 260px;
  opacity: 0; visibility: hidden; transform: translateY(-4px);
  transition: all .2s var(--ch-ease);
}
.site-nav .has-dropdown:hover .dropdown,
.site-nav .has-dropdown:focus-within .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.site-nav .dropdown a { display: block; padding: 0.55rem 1rem; font-size: 0.92rem; }
.site-nav .dropdown a.dropdown-all {
  color: var(--ch-gold-dark);
  font-weight: 600;
  border-bottom: 1px solid var(--ch-slate-lighter);
  margin-bottom: 0.35rem;
  padding-bottom: 0.6rem;
}
.site-nav .dropdown a.dropdown-all:hover { background: var(--ch-gold-tint); color: var(--ch-navy); }
.site-nav .dropdown a:hover { background: var(--ch-offwhite); }

.header-cta { display: flex; align-items: center; gap: 0.75rem; }
.header-phone { display: none; color: var(--ch-navy); font-weight: 600; text-decoration: none; font-size: 0.95rem; align-items: center; gap: 0.4rem; }
.header-phone:hover { color: var(--ch-gold-dark); }
.header-btn { display: none; }
.nav-toggle { display: flex; flex-direction: column; gap: 4px; width: 40px; height: 40px; align-items: center; justify-content: center; background: transparent; border: 1px solid var(--ch-slate-light); border-radius: 6px; cursor: pointer; }
.nav-toggle span { width: 22px; height: 2px; background: var(--ch-navy); border-radius: 2px; transition: all .2s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

.mobile-nav {
  display: none;
  position: fixed;
  top: 64px;                   /* sits just below the mobile header bar */
  left: 0;
  right: 0;
  bottom: 0;                   /* fills all available vertical space */
  height: calc(100vh - 64px);  /* fallback for older browsers without inset-positioning */
  height: calc(100dvh - 64px); /* prefer dynamic viewport unit on modern mobile */
  background: var(--ch-white);
  border-top: 1px solid var(--ch-slate-lighter);
  padding: 1rem 1.25rem 1.5rem;
  padding-bottom: calc(1.5rem + env(safe-area-inset-bottom, 0px));
  overflow-y: auto;            /* scrolls when content exceeds the box */
  -webkit-overflow-scrolling: touch;
  overscroll-behavior: contain;
  touch-action: pan-y;         /* allow vertical scroll INSIDE the menu, block other gestures */
  z-index: 99;                 /* under the header (z-100) but above page content */
}
.mobile-nav.open { display: block; }
/* When mobile menu is open, lock the body so background can't scroll */
body.mobile-nav-open { overflow: hidden; touch-action: none; position: relative; }
.mobile-nav a { display: block; padding: 0.65rem 0; color: var(--ch-charcoal); text-decoration: none; font-weight: 500; border-bottom: 1px solid var(--ch-slate-lighter); }
.mobile-nav a:last-of-type { border-bottom: none; }
.mobile-nav .mobile-section-label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--ch-navy-60); font-weight: 600; margin-top: 1rem; padding-bottom: 0.25rem; }
.mobile-nav a.mobile-all { color: var(--ch-gold-dark); font-weight: 600; }
.mobile-nav .btn { width: 100%; margin-top: 1rem; }

@media (min-width: 992px) {
  .site-nav { display: flex; }
  .header-phone { display: inline-flex; }
  .header-btn { display: inline-flex; }
  .nav-toggle { display: none; }
}

/* Hero */
.hero {
  background:
    radial-gradient(ellipse at top right, rgba(200, 162, 74, 0.12), transparent 60%),
    linear-gradient(135deg, var(--ch-navy) 0%, #102a4d 100%);
  color: var(--ch-white);
  padding: 3.5rem 0 4rem;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background-image:
    radial-gradient(circle at 1px 1px, rgba(255,255,255,0.04) 1px, transparent 0);
  background-size: 24px 24px;
  opacity: 0.5; pointer-events: none;
}
.hero-inner { position: relative; z-index: 1; }
.hero h1 { color: var(--ch-white); max-width: 820px; }
.hero .hero-subhead { font-size: 1.1rem; color: rgba(255,255,255,0.92); max-width: 720px; margin-bottom: 1.75rem; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 0.75rem; margin-bottom: 2rem; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 0.6rem 1.25rem; font-size: 0.88rem; color: rgba(255,255,255,0.78); margin-top: 1.5rem; }
.hero-trust span { display: inline-flex; align-items: center; gap: 0.4rem; }
.trust-tick { display: inline-flex; align-items: center; justify-content: center; color: var(--ch-gold); font-size: 0.9rem; font-weight: 700; line-height: 1; }

/* Pathway cards (homepage) */
.pathway-grid { display: grid; grid-template-columns: 1fr; gap: 1rem; margin-top: 2rem; }
@media (min-width: 768px) { .pathway-grid { grid-template-columns: repeat(3, 1fr); } }
.pathway-card {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.16);
  backdrop-filter: blur(8px);
  border-radius: var(--ch-radius-lg);
  padding: 1.75rem 1.5rem;
  text-decoration: none;
  color: var(--ch-white);
  display: flex; flex-direction: column;
  transition: all .25s var(--ch-ease);
}
.pathway-card:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--ch-gold);
  transform: translateY(-4px);
  color: var(--ch-white);
}
.pathway-card .icon-circle { width: 44px; height: 44px; border-radius: 50%; background: var(--ch-gold); color: var(--ch-navy); display: inline-flex; align-items: center; justify-content: center; margin-bottom: 1rem; flex-shrink: 0; }
.pathway-card .icon-circle svg { width: 22px; height: 22px; }
.pathway-card h3 { color: var(--ch-white); margin-bottom: 0.5rem; }
.pathway-card p { color: rgba(255,255,255,0.85); margin-bottom: 1.25rem; flex-grow: 1; }
.pathway-card .arrow { color: var(--ch-gold); font-weight: 600; }
.pathway-card:hover .arrow { color: var(--ch-gold-light); }

/* Trust bar */
.trust-bar { background: var(--ch-offwhite); padding: 1rem 1.25rem; border-bottom: 1px solid var(--ch-slate-lighter); }
.trust-bar-inner { max-width: var(--ch-max); margin: 0 auto; display: flex; flex-wrap: wrap; justify-content: center; gap: 0.5rem 1.5rem; font-size: 0.88rem; color: var(--ch-navy-60); text-align: center; }
.trust-bar-inner span { display: inline-flex; align-items: center; gap: 0.4rem; }

/* Two-column layout */
.two-col { display: grid; grid-template-columns: 1fr; gap: 2.5rem; align-items: start; }
@media (min-width: 1024px) { .two-col { grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; } }

/* Comparison table */
.compare-table { width: 100%; border-collapse: collapse; background: var(--ch-white); border-radius: var(--ch-radius); overflow: hidden; box-shadow: var(--ch-shadow-sm); }
.compare-table th, .compare-table td { padding: 0.85rem 1rem; text-align: left; border-bottom: 1px solid var(--ch-slate-lighter); font-size: 0.95rem; }
.compare-table th { background: var(--ch-navy); color: var(--ch-white); font-weight: 600; }
.compare-table tr:last-child td { border-bottom: none; }
.tick { color: var(--ch-success); font-weight: 700; }
.cross { color: var(--ch-slate); }

/* Solution grid */
.grid-3 { display: grid; grid-template-columns: 1fr; gap: 1.25rem; }
@media (min-width: 640px) { .grid-3 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .grid-3 { grid-template-columns: 1fr 1fr 1fr; } }

.grid-2 { display: grid; grid-template-columns: 1fr; gap: 1.25rem; }
@media (min-width: 768px) { .grid-2 { grid-template-columns: 1fr 1fr; } }

.grid-4 { display: grid; grid-template-columns: 1fr; gap: 1rem; }
@media (min-width: 640px) { .grid-4 { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .grid-4 { grid-template-columns: repeat(4, 1fr); } }

.solution-card {
  background: var(--ch-white);
  border: 1px solid var(--ch-slate-lighter);
  border-top: 4px solid var(--ch-gold);
  border-radius: var(--ch-radius);
  padding: 1.5rem;
  transition: all .25s var(--ch-ease);
}
.solution-card:hover { box-shadow: var(--ch-shadow); transform: translateY(-2px); }
.solution-card h3 { margin-bottom: 0.5rem; }
.solution-card p { color: var(--ch-navy-60); font-size: 0.95rem; margin-bottom: 1rem; }
.solution-card a.solution-link { color: var(--ch-navy); font-weight: 600; text-decoration: none; }
.solution-card a.solution-link:hover { color: var(--ch-gold-dark); }
.solution-card a.solution-link::after { content: ' →'; transition: margin-left .2s; }
.solution-card a.solution-link:hover::after { margin-left: 4px; }

/* Step cards */
.step-grid { display: grid; grid-template-columns: 1fr; gap: 1.25rem; counter-reset: step; }
@media (min-width: 768px) { .step-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .step-grid { grid-template-columns: repeat(4, 1fr); } }
.step-card {
  background: var(--ch-white);
  border: 1px solid var(--ch-slate-lighter);
  border-radius: var(--ch-radius);
  padding: 1.5rem;
  counter-increment: step;
  position: relative;
}
.step-card::before {
  content: counter(step);
  display: inline-flex;
  width: 40px; height: 40px;
  background: var(--ch-navy);
  color: var(--ch-gold);
  border-radius: 50%;
  align-items: center; justify-content: center;
  font-family: var(--ch-font-display);
  font-weight: 700; font-size: 1.15rem;
  margin-bottom: 0.85rem;
}
.step-card h3 { font-size: 1.1rem; margin-bottom: 0.4rem; }
.step-card p { font-size: 0.95rem; color: var(--ch-navy-60); margin: 0; }

/* Case study cards */
.case-card { background: var(--ch-white); border: 1px solid var(--ch-slate-lighter); border-radius: var(--ch-radius); overflow: hidden; transition: box-shadow .2s; }
.case-card:hover { box-shadow: var(--ch-shadow); }
.case-card-header { background: var(--ch-offwhite); padding: 0.9rem 1.25rem; border-bottom: 1px solid var(--ch-slate-lighter); }
.case-card-header strong { font-family: var(--ch-font-display); font-size: 1.1rem; color: var(--ch-navy); }
.case-card-body { padding: 1.25rem; }
.case-card-body p { font-size: 0.95rem; margin-bottom: 0.5rem; }
.strategy-badge { display: inline-block; background: var(--ch-gold-tint); color: var(--ch-navy); border: 1px solid var(--ch-gold); border-radius: 4px; padding: 0.25rem 0.7rem; font-size: 0.8rem; font-weight: 600; margin: 0.5rem 0; }
.case-result { color: var(--ch-success); font-weight: 600; font-size: 0.97rem; margin: 0.75rem 0 0.5rem; }
.case-date { font-size: 0.82rem; color: var(--ch-navy-60); margin: 0; }

/* Pillar card with hashed border (used for "what we handle") */
.pill-card { background: var(--ch-white); border: 1px solid var(--ch-slate-lighter); border-radius: var(--ch-radius); padding: 1.25rem; }
.pill-card h3 { font-size: 1rem; margin-bottom: 0.35rem; }
.pill-card p { font-size: 0.9rem; color: var(--ch-navy-60); margin: 0; }

/* Feature row (icon + text) */
.feature-row { display: flex; gap: 1rem; align-items: flex-start; background: var(--ch-white); border-radius: var(--ch-radius); padding: 1.25rem; border: 1px solid var(--ch-slate-lighter); }
.feature-row-circle { flex-shrink: 0; width: 42px; height: 42px; border-radius: 50%; background: var(--ch-gold); color: var(--ch-navy); display: inline-flex; align-items: center; justify-content: center; font-family: var(--ch-font-display); font-weight: 700; }
.feature-row h3 { font-size: 1.05rem; margin-bottom: 0.3rem; }
.feature-row p { font-size: 0.95rem; color: var(--ch-navy-60); margin: 0; }

/* FAQ */
.faq details {
  border: 1px solid var(--ch-slate-lighter);
  border-radius: var(--ch-radius);
  padding: 1rem 1.25rem;
  background: var(--ch-white);
  margin-bottom: 0.75rem;
  transition: border-color .2s;
}
.faq details[open] { border-color: var(--ch-gold); }
.faq summary {
  font-weight: 600;
  color: var(--ch-navy);
  cursor: pointer;
  list-style: none;
  display: flex; justify-content: space-between; align-items: center; gap: 1rem;
  font-size: 1.02rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: '+'; font-size: 1.6rem; color: var(--ch-gold-dark); font-weight: 400; transition: transform .2s; flex-shrink: 0; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { margin: 0.85rem 0 0; color: var(--ch-charcoal); font-size: 0.97rem; line-height: 1.65; }

/* Callout boxes */
.callout { padding: 1rem 1.25rem; border-radius: var(--ch-radius); margin: 1.25rem 0; }
.callout-gold { background: var(--ch-gold-tint); border: 1px solid var(--ch-gold); }
.callout-warning { background: #FEF7E6; border-left: 4px solid var(--ch-gold); }
.callout-success { background: #E8F7EE; border-left: 4px solid var(--ch-success); }
.callout-coral { background: #FFEDEA; border-left: 4px solid var(--ch-coral); }
.callout-quote { background: var(--ch-offwhite); border-left: 4px solid var(--ch-coral); font-style: italic; color: var(--ch-navy-60); }

/* Pros / cons cards */
.pro-card { background: var(--ch-white); border-top: 4px solid var(--ch-success); border-radius: var(--ch-radius); padding: 1.5rem; border: 1px solid var(--ch-slate-lighter); border-top-width: 4px; }
.pro-card h3 { color: var(--ch-success); }
.con-card { background: var(--ch-white); border-top: 4px solid var(--ch-coral); border-radius: var(--ch-radius); padding: 1.5rem; border: 1px solid var(--ch-slate-lighter); border-top-width: 4px; }
.con-card h3 { color: var(--ch-coral); }
.pro-card ul, .con-card ul { padding-left: 1.2rem; }
.pro-card li, .con-card li { margin-bottom: 0.5rem; }

/* Worked example box */
.example-box { background: var(--ch-gold-tint); border: 2px solid var(--ch-gold); border-radius: var(--ch-radius-lg); padding: 1.5rem 1.75rem; }
.example-box table { width: 100%; border-collapse: collapse; }
.example-box td { padding: 0.6rem 0; border-bottom: 1px solid rgba(200, 162, 74, 0.4); }
.example-box td:last-child { text-align: right; font-weight: 600; }
.example-box tr:last-child td { border-bottom: none; padding-top: 1rem; font-size: 1.1rem; }

.compare-box { background: var(--ch-offwhite); border-radius: var(--ch-radius); padding: 1.5rem; border: 1px solid var(--ch-slate-lighter); }
.compare-box table { width: 100%; border-collapse: collapse; }
.compare-box td { padding: 0.55rem 0; border-bottom: 1px solid var(--ch-slate-lighter); }
.compare-box td:last-child { text-align: right; font-weight: 600; }
.compare-box tr:last-child td { border-bottom: none; }

/* Lead form (multi-step) */
.form-card { background: var(--ch-white); border: 1px solid var(--ch-slate-lighter); border-radius: var(--ch-radius-lg); padding: 2rem; box-shadow: var(--ch-shadow); }
.form-progress { display: flex; gap: 0.4rem; margin-bottom: 1.5rem; }
.form-progress span { flex: 1; height: 4px; background: var(--ch-slate-lighter); border-radius: 2px; transition: background .2s; }
.form-progress span.active, .form-progress span.done { background: var(--ch-gold); }
.form-step { display: none; }
.form-step.active { display: block; animation: fadeIn .25s var(--ch-ease); }
@keyframes fadeIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }
.form-step h2 { font-size: 1.5rem; margin-bottom: 0.5rem; }
.form-step .form-help { color: var(--ch-navy-60); margin-bottom: 1.5rem; }

.form-label { display: block; font-weight: 600; font-size: 0.95rem; color: var(--ch-navy); margin-bottom: 0.4rem; }
.form-input, .form-select, .form-textarea {
  width: 100%; padding: 0.85rem 1rem;
  font-family: var(--ch-font-body);
  font-size: 1rem;
  border: 1px solid var(--ch-slate-light);
  border-radius: var(--ch-radius);
  background: var(--ch-white);
  color: var(--ch-charcoal);
  transition: border-color .2s, box-shadow .2s;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  outline: none;
  border-color: var(--ch-navy);
  box-shadow: 0 0 0 3px rgba(11, 31, 59, 0.12);
}
.form-textarea { min-height: 110px; resize: vertical; }
.form-radio-group, .form-check-group { display: grid; grid-template-columns: 1fr; gap: 0.6rem; }
@media (min-width: 540px) { .form-radio-group, .form-check-group { grid-template-columns: 1fr 1fr; } }
.form-option {
  display: flex; align-items: center; gap: 0.65rem;
  padding: 0.85rem 1rem;
  border: 1px solid var(--ch-slate-light);
  border-radius: var(--ch-radius);
  cursor: pointer;
  background: var(--ch-white);
  transition: all .15s;
  font-size: 0.97rem;
}
.form-option:hover { border-color: var(--ch-navy-60); background: var(--ch-offwhite); }
.form-option input { accent-color: var(--ch-navy); margin: 0; }
.form-option input:checked + span { font-weight: 600; color: var(--ch-navy); }
.form-option:has(input:checked) { border-color: var(--ch-gold); background: var(--ch-gold-tint); }
.form-actions { display: flex; gap: 0.75rem; margin-top: 1.5rem; flex-wrap: wrap; }
.form-actions .btn { flex: 1; min-width: 140px; }
.form-error { color: var(--ch-coral); font-size: 0.88rem; margin-top: 0.5rem; }
.form-success { background: #E8F7EE; border: 1px solid var(--ch-success); border-radius: var(--ch-radius); padding: 1.5rem; text-align: center; }
.form-success h2 { color: var(--ch-success); }

/* Footer */
.site-footer { background: var(--ch-navy); color: rgba(255,255,255,0.78); padding: 3rem 0 1.5rem; }
.site-footer h4 { color: var(--ch-white); font-family: var(--ch-font-body); font-size: 0.85rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; margin-bottom: 1rem; }
.footer-grid { display: grid; grid-template-columns: 1fr; gap: 2rem; margin-bottom: 2rem; }
@media (min-width: 768px) { .footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; gap: 3rem; } }
.footer-brand img { height: 56px; width: auto; margin-bottom: 1rem; background: var(--ch-white); padding: 8px 14px; border-radius: 8px; }
.footer-brand p { font-size: 0.92rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 0.5rem; }
.site-footer a { color: rgba(255,255,255,0.78); text-decoration: none; font-size: 0.94rem; }
.site-footer a:hover { color: var(--ch-gold-light); }
.site-footer hr { border: none; border-top: 1px solid rgba(255,255,255,0.12); margin: 1.5rem 0; }
.footer-bottom { display: flex; flex-wrap: wrap; gap: 0.5rem 1.5rem; justify-content: space-between; font-size: 0.82rem; color: rgba(255,255,255,0.55); }
.footer-bottom a { font-size: 0.82rem; }
.footer-regulators { margin-top: 0.75rem; padding-top: 0.75rem; }
.footer-reg-badges { display: flex; flex-wrap: wrap; gap: 0.4rem 1.25rem; margin-bottom: 0.4rem; }
.footer-reg { display: inline-flex; align-items: center; gap: 0.4rem; font-size: 0.85rem; color: rgba(255,255,255,0.8); font-weight: 500; white-space: nowrap; }
.footer-reg-refs { font-size: 0.78rem; color: rgba(255,255,255,0.45); display: flex; flex-wrap: wrap; gap: 0.25rem 0.85rem; }
.footer-reg-refs > span { white-space: nowrap; }

/* Mobile sticky CTA */
.mobile-cta {
  display: flex; position: fixed; bottom: 0; left: 0; right: 0;
  background: var(--ch-white); border-top: 1px solid var(--ch-slate-lighter);
  padding: 0.6rem; gap: 0.5rem; z-index: 90;
  box-shadow: 0 -4px 14px rgba(0,0,0,0.08);
}
.mobile-cta a { flex: 1; padding: 0.85rem 0.5rem; border-radius: var(--ch-radius); text-decoration: none; font-weight: 600; text-align: center; font-size: 0.92rem; display: inline-flex; align-items: center; justify-content: center; gap: 0.4rem; }
.mobile-cta a.call { background: var(--ch-navy); color: var(--ch-white); }
.mobile-cta a.cta { background: var(--ch-gold); color: var(--ch-navy); }
body { padding-bottom: 70px; }
@media (min-width: 992px) {
  .mobile-cta { display: none; }
  body { padding-bottom: 0; }
}

/* Skip link & accessibility */
.skip-link {
  position: absolute; top: -100px; left: 8px;
  background: var(--ch-navy); color: var(--ch-white);
  padding: 0.6rem 1rem; z-index: 1000; text-decoration: none;
  border-radius: var(--ch-radius);
}
.skip-link:focus { top: 8px; }
*:focus-visible { outline: 3px solid var(--ch-gold); outline-offset: 2px; border-radius: 4px; }

/* Breadcrumbs */
.breadcrumbs { font-size: 0.85rem; color: var(--ch-navy-60); padding: 0.85rem 0; border-bottom: 1px solid var(--ch-slate-lighter); }
.breadcrumbs a { color: var(--ch-navy-60); text-decoration: none; }
.breadcrumbs a:hover { color: var(--ch-gold-dark); }
.breadcrumbs span[aria-current] { color: var(--ch-navy); font-weight: 500; }

/* Utility */
.mt-0 { margin-top: 0 !important; }
.mb-0 { margin-bottom: 0 !important; }
.mt-2 { margin-top: 1rem; }
.mb-2 { margin-bottom: 1rem; }
.mt-4 { margin-top: 2rem; }
.mb-4 { margin-bottom: 2rem; }

/* Prose (long-form content sections) */
.prose h2 { margin-top: 2.5rem; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.75rem; }
.prose ul, .prose ol { padding-left: 1.4rem; margin-bottom: 1.25rem; }
.prose li { margin-bottom: 0.4rem; }