/* ===== Kredova website styles ===== */

/* Fonts (self-hosted, SIL Open Font License) */
@font-face { font-family: "DM Sans"; src: url("/assets/fonts/dm-sans-latin-400-normal.woff2") format("woff2"); font-weight: 400; font-display: swap; }
@font-face { font-family: "DM Sans"; src: url("/assets/fonts/dm-sans-latin-500-normal.woff2") format("woff2"); font-weight: 500; font-display: swap; }
@font-face { font-family: "DM Sans"; src: url("/assets/fonts/dm-sans-latin-600-normal.woff2") format("woff2"); font-weight: 600; font-display: swap; }
@font-face { font-family: "Poppins"; src: url("/assets/fonts/poppins-latin-500-normal.woff2") format("woff2"); font-weight: 500; font-display: swap; }
@font-face { font-family: "Poppins"; src: url("/assets/fonts/poppins-latin-600-normal.woff2") format("woff2"); font-weight: 600; font-display: swap; }
@font-face { font-family: "Poppins"; src: url("/assets/fonts/poppins-latin-700-normal.woff2") format("woff2"); font-weight: 700; font-display: swap; }

/* Brand tokens */
:root {
  --navy: #052448;
  --navy-deep: #03182F;
  --teal: #0C9DA4;
  --teal-text: #08777C;
  --teal-bright: #4FD1D6;
  --gold: #CEA158;
  --gold-text: #8A6526;
  --gold-soft: #E5C68E;
  --ink: #0E1B2C;
  --body: #2E3A4B;
  --muted: #4A5668;
  --line: #E6EAF0;
  --soft: #F4F7FA;
  --white: #FFFFFF;
  --light-text: #C9D6E6;
  --radius: 20px;
  --shadow: 0 30px 60px -40px rgba(5, 36, 72, 0.35);
  --display: "Poppins", system-ui, sans-serif;
  --text: "DM Sans", system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--text); font-size: 17px; line-height: 1.6; color: var(--ink); background: var(--white); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--teal-text); }
a:hover { color: var(--navy); }
h1, h2, h3 { font-family: var(--display); font-weight: 600; color: var(--navy); margin: 0; letter-spacing: -0.01em; }
h2 { font-size: clamp(30px, 4vw, 42px); line-height: 1.15; }
h3 { font-size: 21px; line-height: 1.3; }
p { margin: 0; }
:focus-visible { outline: 3px solid var(--teal); outline-offset: 3px; border-radius: 6px; }
[hidden] { display: none !important; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--white); padding: 10px 16px; z-index: 100; }
.skip:focus { left: 8px; }

.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 860px; }
.section { padding: 104px 0; }
.section-soft { background: var(--soft); }
.section-dark { background: var(--navy); color: var(--white); }
.section-dark h2, .section-dark h3 { color: var(--white); }
.section-head { display: flex; flex-direction: column; gap: 12px; max-width: 720px; margin-bottom: 44px; }
.section-head.split { max-width: none; flex-direction: row; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 24px; }
.section-head.split > div { max-width: 660px; display: flex; flex-direction: column; gap: 12px; }
.section-head.split > p { max-width: 420px; }

.eyebrow { font-size: 13px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--teal-text); }
.eyebrow-light { color: var(--teal-bright); }
.eyebrow-gold { color: var(--gold-text); }
.muted { color: var(--muted); }
.muted-light { color: var(--light-text); }
.lead { font-size: 18px; color: var(--body); }
.lead-light { font-size: 19px; color: var(--light-text); max-width: 560px; }
.small { font-size: 14px; }
.gold { color: var(--gold-soft); }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; padding: 13px 26px; border-radius: 999px; font: 600 16px/1.2 var(--text); text-decoration: none; border: 1.5px solid transparent; cursor: pointer; transition: transform .15s ease, box-shadow .15s ease, background .15s ease; }
.btn:hover { transform: translateY(-1px); box-shadow: 0 10px 24px -12px rgba(5, 36, 72, .55); }
.btn-sm { min-height: 44px; padding: 10px 20px; font-size: 15px; }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { color: var(--white); background: #0A3463; }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { color: var(--navy); background: #D9B26F; }
.btn-outline-light { background: transparent; color: var(--white); border-color: rgba(255,255,255,.5); }
.btn-outline-light:hover { color: var(--white); border-color: var(--white); }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; padding-top: 6px; }
.link-strong { font-weight: 600; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: saturate(160%) blur(8px); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-top: 16px; padding-bottom: 16px; }
.brand img { height: 34px; width: auto; }
.site-nav { display: flex; align-items: center; gap: 28px; font-size: 15px; font-weight: 500; }
.site-nav a:not(.btn) { color: var(--ink); text-decoration: none; }
.site-nav a:not(.btn):hover { color: var(--teal-text); }
.nav-toggle { display: none; width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 12px; background: var(--white); cursor: pointer; flex-direction: column; align-items: center; justify-content: center; gap: 4px; }
.nav-toggle span { width: 18px; height: 2px; background: var(--navy); border-radius: 2px; }

/* Hero */
.hero { position: relative; overflow: hidden; background: var(--navy); color: var(--white); }
.hero-mark { position: absolute; right: -180px; top: -120px; width: 760px; height: 760px; fill: #FFFFFF; opacity: .07; pointer-events: none; }
.hero-inner { position: relative; display: flex; flex-wrap: wrap; align-items: center; gap: 64px; padding-top: 96px; padding-bottom: 112px; }
.hero-copy { flex: 1 1 500px; min-width: 0; display: flex; flex-direction: column; gap: 26px; }
.hero h1 { color: var(--white); font-size: clamp(36px, 5vw, 56px); line-height: 1.1; letter-spacing: -0.02em; }
.hero .accent { color: var(--teal-bright); }
.pill { align-self: flex-start; display: inline-flex; align-items: center; gap: 10px; padding: 7px 16px 7px 8px; border-radius: 999px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16); font-size: 14px; font-weight: 500; color: #DCE6F2; }
.pill-tag { background: var(--gold); color: var(--navy); font-weight: 700; font-size: 12px; padding: 3px 10px; border-radius: 999px; }
.hero-visual { flex: 1 1 420px; min-width: 0; }
.eco-card { background: var(--white); color: var(--ink); border-radius: 22px; padding: 28px; box-shadow: 0 40px 80px -30px rgba(0,0,0,.55); display: flex; flex-direction: column; gap: 14px; }
.eco-label { font-size: 13px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: #5B6778; }
.eco-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.eco-node { border: 1px solid var(--line); border-radius: 14px; padding: 14px 16px; display: flex; flex-direction: column; gap: 2px; }
.eco-node strong { font-family: var(--display); font-weight: 600; font-size: 16px; color: var(--navy); }
.eco-kind { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: .04em; }
.eco-kind.teal { color: var(--teal-text); }
.eco-kind.gold { color: var(--gold-text); }
.eco-arrow { display: flex; justify-content: center; }
.eco-arrow .ic { width: 24px; height: 28px; stroke-width: 2.2; }
.eco-arrow.teal .ic { stroke: var(--teal); }
.eco-arrow.gold .ic { stroke: var(--gold); }
.eco-core { background: var(--navy); color: var(--white); border-radius: 16px; padding: 18px 20px; display: flex; flex-direction: column; gap: 12px; }
.eco-core-head { display: flex; align-items: center; gap: 12px; font-family: var(--display); font-size: 18px; }
.eco-core-head img { border-radius: 7px; }
.eco-core-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 8px; }
.eco-core-grid span { background: rgba(255,255,255,.08); border-radius: 10px; padding: 10px 6px; font-size: 13px; text-align: center; }

/* Icons */
.ic { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }
.ic-check { width: 18px; height: 18px; stroke: var(--teal-text); stroke-width: 2.6; margin-top: 4px; }

/* Trust strip */
.trust { background: var(--soft); border-bottom: 1px solid var(--line); }
.trust-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 18px; padding-top: 26px; padding-bottom: 26px; font-size: 15px; color: var(--body); }
.trust-item { display: flex; align-items: center; gap: 12px; }
.trust-item .ic { color: var(--teal-text); }

/* Cards */
.card-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 22px; }
.card { border: 1px solid var(--line); border-radius: var(--radius); padding: 30px; display: flex; flex-direction: column; gap: 16px; background: var(--white); transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease; }
.card:hover { transform: translateY(-3px); box-shadow: 0 22px 44px -26px rgba(5,36,72,.45); border-color: #B9DCDE; }
.card p { font-size: 16px; color: var(--muted); }
.card-icon { width: 52px; height: 52px; border-radius: 14px; display: flex; align-items: center; justify-content: center; }
.card-icon .ic { width: 26px; height: 26px; }
.tone-teal { background: #E2F4F4; color: var(--teal-text); }
.tone-navy { background: #E7ECF4; color: var(--navy); }
.tone-gold { background: #F8EFDF; color: var(--gold-text); }
.card-label { font-size: 13px; font-weight: 600; }
.tone-text-teal { color: var(--teal-text); }
.tone-text-navy { color: var(--navy); }
.tone-text-gold { color: var(--gold-text); }
.tags { display: flex; flex-wrap: wrap; gap: 8px; margin-top: auto; }
.tag { font-size: 13px; padding: 4px 10px; border-radius: 999px; background: var(--soft); color: #3E4A5B; }
.tag-line { border: 1px solid var(--line); }

/* Chips */
.chip-row { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; }
.chip { display: inline-block; font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; padding: 5px 12px; border-radius: 999px; align-self: flex-start; }
.chip-teal { color: var(--navy); background: #E2F4F4; }
.chip-gold { color: #5C4316; background: #FBF4E6; border: 1px solid #EBD6AE; letter-spacing: 0; text-transform: none; font-size: 13px; }
.chip-gold-solid { color: var(--navy); background: var(--gold); letter-spacing: 0; text-transform: none; }

/* Platform */
.module-tabs { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 12px; margin-bottom: 20px; }
.module-tab { font: inherit; text-align: left; cursor: pointer; display: flex; flex-direction: column; gap: 6px; padding: 20px 22px; border-radius: 16px; background: rgba(255,255,255,.06); color: var(--white); border: 1.5px solid rgba(255,255,255,.18); transition: background .15s ease; }
.module-tab:hover { background: rgba(255,255,255,.12); }
.module-tab[aria-selected="true"] { background: var(--white); color: var(--navy); border-color: var(--white); }
.module-code { font-size: 13px; font-weight: 700; letter-spacing: .1em; color: var(--teal-bright); }
.module-tab[aria-selected="true"] .module-code { color: var(--teal-text); }
.module-name { font-family: var(--display); font-weight: 600; font-size: 18px; line-height: 1.3; }
.module-panel { background: var(--white); color: var(--ink); border-radius: 24px; padding: 40px; display: flex; flex-wrap: wrap; gap: 40px; box-shadow: 0 40px 80px -40px rgba(0,0,0,.6); }
.module-panel h3 { color: var(--navy); font-size: 28px; }
.module-main { flex: 1 1 380px; min-width: 0; display: flex; flex-direction: column; gap: 18px; }
.module-main > p { color: #3E4A5B; }
.check-grid { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 10px 20px; }
.check-grid li, .check-list li { display: flex; gap: 10px; align-items: flex-start; font-size: 16px; color: var(--body); }
.module-flow { flex: 1 1 320px; min-width: 0; background: var(--soft); border: 1px solid var(--line); border-radius: 18px; padding: 24px; display: flex; flex-direction: column; gap: 14px; }
.flow-label { font-size: 13px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: #5B6778; }
.flow { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 8px; }
.flow li { display: flex; align-items: center; gap: 14px; background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 12px 14px; font-weight: 600; color: var(--navy); font-size: 15px; }
.flow-n { width: 28px; height: 28px; border-radius: 999px; background: var(--navy); color: var(--white); font-size: 13px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.ways { margin-top: 40px; display: flex; flex-direction: column; gap: 18px; align-items: flex-start; }
.ways h3 { font-size: 24px; }
.ways-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 16px; width: 100%; }
.way { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: 18px; padding: 26px; display: flex; flex-direction: column; gap: 8px; }
.way-head { display: flex; align-items: center; justify-content: space-between; gap: 10px; font-family: var(--display); font-size: 19px; }
.way p { color: var(--light-text); font-size: 16px; }

/* Use cases */
.seg { display: inline-flex; flex-wrap: wrap; gap: 6px; padding: 6px; background: var(--white); border: 1px solid var(--line); border-radius: 999px; margin-bottom: 24px; }
.seg-btn { font: 600 15px/1.2 var(--text); padding: 12px 22px; min-height: 44px; border-radius: 999px; border: none; cursor: pointer; background: transparent; color: #3E4A5B; }
.seg-btn[aria-selected="true"] { background: var(--navy); color: var(--white); }
.notice { display: flex; gap: 12px; align-items: center; background: #FBF4E6; border: 1px solid #EBD6AE; border-radius: 14px; padding: 14px 18px; color: #5C4316; font-size: 15px; margin-bottom: 24px; }
.notice .ic { color: var(--gold-text); width: 20px; height: 20px; }
.cases { display: flex; flex-wrap: wrap; gap: 24px; align-items: stretch; }
.case-list { flex: 1 1 340px; min-width: 0; display: flex; flex-direction: column; gap: 10px; }
.case-btn { font: inherit; text-align: left; cursor: pointer; display: flex; flex-direction: column; gap: 4px; padding: 18px 20px; border-radius: 16px; width: 100%; background: transparent; border: 1.5px solid #DCE2EA; }
.case-btn:hover { background: #F1F6F8; }
.case-btn[aria-selected="true"] { background: var(--white); border-color: var(--teal); box-shadow: 0 16px 30px -22px rgba(5,36,72,.5); }
.case-tag { font-size: 12px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: #5B6778; }
.case-btn[aria-selected="true"] .case-tag { color: var(--teal-text); }
.case-title { font-family: var(--display); font-weight: 600; font-size: 17px; color: var(--navy); line-height: 1.35; }
.case-detail-wrap { flex: 2 1 520px; min-width: 0; display: flex; }
.case-detail { width: 100%; background: var(--white); border: 1px solid var(--line); border-radius: 22px; padding: 40px; display: flex; flex-direction: column; gap: 24px; box-shadow: var(--shadow); }
.case-detail h3 { font-size: 28px; line-height: 1.25; }
.case-cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 24px; }
.case-cols p { color: var(--body); }
.mini-head { display: flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 8px; }
.mini-head::before { content: ""; width: 18px; height: 3px; display: inline-block; }
.mini-head.gold { color: var(--gold-text); } .mini-head.gold::before { background: var(--gold); }
.mini-head.teal { color: var(--teal-text); } .mini-head.teal::before { background: var(--teal); }
.mini-head.light { color: var(--gold-soft); } .mini-head.light::before { background: var(--gold); }
.check-list { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 8px; }
.outcome { background: var(--navy); color: var(--white); border-radius: 16px; padding: 22px 24px; }
.outcome p { font-size: 18px; }
.case-foot { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 14px; }
.case-foot .tags { margin-top: 0; }

/* Journey */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 12px; margin-bottom: 20px; }
.step-btn { font: inherit; cursor: pointer; text-align: left; display: flex; flex-direction: column; gap: 10px; padding: 20px; border-radius: 16px; background: var(--white); color: var(--navy); border: 1.5px solid #DCE2EA; }
.step-btn:hover { border-color: var(--teal); }
.step-btn[aria-selected="true"] { background: var(--navy); color: var(--white); border-color: var(--navy); }
.step-n { font-size: 13px; font-weight: 700; letter-spacing: .08em; color: var(--teal-text); }
.step-btn[aria-selected="true"] .step-n { color: var(--gold-soft); }
.step-name { font-family: var(--display); font-weight: 600; font-size: 18px; }
.step-panel { display: flex; flex-wrap: wrap; gap: 32px; align-items: center; background: var(--soft); border-radius: 22px; padding: 36px 40px; }
.step-copy { flex: 2 1 420px; min-width: 0; display: flex; flex-direction: column; gap: 10px; }
.step-copy h3 { font-size: 26px; }
.step-copy p { color: #3E4A5B; }
.step-points { flex: 1 1 260px; min-width: 0; display: flex; flex-direction: column; gap: 10px; }
.point { display: flex; gap: 10px; align-items: center; background: var(--white); border: 1px solid var(--line); border-radius: 12px; padding: 12px 14px; font-size: 15px; color: var(--body); }
.dot { width: 8px; height: 8px; border-radius: 999px; background: var(--teal); flex-shrink: 0; }

/* Two-column sections */
.two-col { display: flex; flex-wrap: wrap; gap: 56px; align-items: flex-start; }
.two-col.center { align-items: center; }
.two-col > * { flex: 1 1 400px; min-width: 0; }
.two-col > div:first-child { display: flex; flex-direction: column; gap: 16px; }
.pillars { display: flex; flex-direction: column; gap: 14px; }
.pillar { display: flex; gap: 18px; align-items: flex-start; padding: 22px; border-radius: 18px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); }
.pillar strong { font-family: var(--display); font-weight: 600; font-size: 19px; }
.pillar p { color: var(--light-text); font-size: 16px; }
.pillar-dot { width: 14px; height: 14px; border-radius: 999px; flex-shrink: 0; margin-top: 7px; }
.dot-teal { background: var(--teal); } .dot-white { background: var(--white); } .dot-gold { background: var(--gold); }

/* Leadership */
.leader { display: flex; flex-wrap: wrap; gap: 48px; align-items: flex-start; }
.leader-card { flex: 1 1 340px; min-width: 0; background: var(--navy); color: var(--white); border-radius: 22px; padding: 36px; display: flex; flex-direction: column; gap: 22px; }
.leader-id { display: flex; align-items: center; gap: 18px; }
.leader-id h3 { color: var(--white); font-size: 24px; }
.avatar { width: 84px; height: 84px; border-radius: 999px; background: var(--white); color: var(--navy); display: flex; align-items: center; justify-content: center; font-family: var(--display); font-weight: 600; font-size: 28px; flex-shrink: 0; object-fit: cover; }
.leader-role { font-weight: 600; color: var(--teal-bright); }
.quote-mark { width: 36px; height: 28px; fill: var(--gold); }
.leader-card blockquote { margin: 0; font-family: var(--display); font-size: 20px; line-height: 1.5; font-weight: 500; }
.leader-link { margin-top: auto; align-self: flex-start; display: inline-flex; align-items: center; gap: 8px; font-weight: 600; font-size: 15px; text-decoration: none; color: var(--white); }
.leader-link:hover { color: var(--teal-bright); }
.leader-link .ic { width: 18px; height: 18px; }
.leader-body { flex: 2 1 520px; min-width: 0; display: flex; flex-direction: column; gap: 24px; }
.exp-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 14px; }
.exp { border: 1px solid var(--line); border-radius: 16px; padding: 18px 20px; display: flex; flex-direction: column; gap: 4px; }
.exp strong { font-family: var(--display); font-weight: 600; font-size: 17px; color: var(--navy); }
.exp-role { font-size: 14px; font-weight: 600; color: var(--teal-text); }
.exp-text { font-size: 15px; color: var(--muted); }

/* EMI */
.emi { background: var(--white); border: 1px solid var(--line); border-radius: 22px; padding: 34px; display: flex; flex-wrap: wrap; gap: 32px; box-shadow: var(--shadow); }
.emi-inputs { flex: 1 1 260px; min-width: 0; display: flex; flex-direction: column; gap: 22px; }
.slider { display: flex; flex-direction: column; gap: 8px; font-size: 14px; font-weight: 600; color: var(--body); }
.slider-top { display: flex; justify-content: space-between; gap: 12px; }
.slider output { color: var(--navy); }
.slider input { width: 100%; accent-color: var(--teal); min-height: 28px; }
.emi-result { flex: 1 1 200px; min-width: 0; background: var(--navy); color: var(--white); border-radius: 18px; padding: 26px; display: flex; flex-direction: column; gap: 18px; justify-content: center; }
.emi-k { font-size: 14px; color: var(--light-text); }
.emi-v { font-family: var(--display); font-weight: 600; font-size: 36px; line-height: 1.2; }
.emi-rows { display: flex; flex-direction: column; gap: 8px; border-top: 1px solid rgba(255,255,255,.15); padding-top: 16px; font-size: 15px; }
.emi-rows div { display: flex; justify-content: space-between; gap: 12px; }
.emi-rows span { color: var(--light-text); }

/* Protection */
.protect { border-top: 1px solid var(--line); }
.protect-inner { display: flex; flex-wrap: wrap; gap: 28px; align-items: center; padding-top: 56px; padding-bottom: 56px; }
.protect-icon { width: 56px; height: 56px; border-radius: 16px; background: #FBF4E6; color: var(--gold-text); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.protect-icon .ic { width: 28px; height: 28px; }
.protect-copy { flex: 1 1 520px; min-width: 0; display: flex; flex-direction: column; gap: 6px; }
.protect-copy h2 { font-size: 22px; }
.protect-copy p { color: var(--body); }
.protect-links { display: flex; flex-wrap: wrap; gap: 10px; }
.pill-link { font-size: 15px; font-weight: 600; text-decoration: none; padding: 10px 16px; border: 1px solid var(--line); border-radius: 999px; min-height: 44px; display: inline-flex; align-items: center; }

/* Contact & form */
.contact-list { list-style: none; margin: 8px 0 0; padding: 0; display: flex; flex-direction: column; gap: 14px; }
.contact-list li { display: flex; gap: 14px; align-items: center; color: var(--body); font-size: 16px; }
.contact-list a { color: var(--navy); font-weight: 600; text-decoration: none; }
.contact-ic { width: 42px; height: 42px; border-radius: 12px; background: var(--white); border: 1px solid var(--line); display: flex; align-items: center; justify-content: center; flex-shrink: 0; color: var(--teal-text); }
.contact-ic .ic { width: 20px; height: 20px; }
.form { background: var(--white); border: 1px solid var(--line); border-radius: 22px; padding: 34px; display: flex; flex-direction: column; gap: 16px; box-shadow: var(--shadow); }
.form-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 16px; }
.form label { display: flex; flex-direction: column; gap: 6px; font-size: 14px; font-weight: 600; color: var(--body); }
.form input[type="text"], .form input[type="email"], .form input[type="tel"], .form select, .form textarea { font: 400 16px/1.4 var(--text); padding: 12px 14px; border: 1px solid #B8C2D1; border-radius: 10px; background: var(--white); color: var(--ink); width: 100%; }
.form textarea { resize: vertical; }
.form input:focus, .form select:focus, .form textarea:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(12,157,164,.2); }
.form .consent { flex-direction: row; align-items: flex-start; gap: 10px; font-weight: 400; font-size: 14px; }
.form .consent input { margin-top: 3px; width: 18px; height: 18px; accent-color: var(--teal); flex-shrink: 0; }
.form button { align-self: flex-start; }
.form button[disabled] { opacity: .6; cursor: wait; }
.hp { position: absolute; left: -9999px; }
.form-status { font-size: 15px; font-weight: 600; min-height: 1em; }
.form-status.ok { color: var(--teal-text); }
.form-status.err { color: #B42318; }

/* Footer */
.site-footer { background: var(--navy-deep); color: #B9C6D8; font-size: 15px; }
.site-footer .container { padding-top: 72px; padding-bottom: 32px; display: flex; flex-direction: column; gap: 44px; }
.footer-top { display: flex; flex-wrap: wrap; gap: 48px; justify-content: space-between; }
.footer-brand { flex: 1 1 300px; display: flex; flex-direction: column; gap: 16px; font-size: 14px; }
.footer-brand img { height: 32px; width: auto; align-self: flex-start; }
.footer-tagline { color: var(--gold-soft); font-family: var(--display); font-weight: 500; letter-spacing: .06em; }
.footer-col { display: flex; flex-direction: column; gap: 10px; }
.footer-col a, .footer-legal a { color: #B9C6D8; text-decoration: none; }
.footer-col a:hover, .footer-legal a:hover { color: var(--white); }
.footer-heading { font-weight: 600; color: var(--white); }
.footer-legal { border-top: 1px solid #16304F; padding-top: 24px; display: flex; flex-direction: column; gap: 10px; font-size: 13px; color: #9FB0C6; }
.footer-legal a { text-decoration: underline; }

/* Legal pages */
.page-hero { background: var(--navy); color: var(--white); }
.page-hero .container { padding-top: 72px; padding-bottom: 72px; display: flex; flex-direction: column; gap: 14px; }
.page-hero h1 { color: var(--white); font-size: clamp(32px, 4vw, 44px); line-height: 1.15; }
.updated { font-size: 14px; color: #9FB0C6; }
.legal { padding-top: 64px; padding-bottom: 96px; display: flex; flex-direction: column; gap: 40px; }
.contact-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.contact-card { background: var(--soft); border: 1px solid var(--line); border-radius: 18px; padding: 24px; display: flex; flex-direction: column; gap: 6px; }
.prose { font-size: 17px; line-height: 1.75; color: var(--ink); }
.prose h2 { font-size: 24px; margin: 36px 0 10px; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 19px; margin: 24px 0 8px; }
.prose p, .prose ul, .prose ol { margin: 0 0 14px; }
.prose ul, .prose ol { padding-left: 22px; }
.prose li { margin-bottom: 6px; }
.prose blockquote { margin: 20px 0; background: #FBF4E6; border: 1px solid #EBD6AE; border-radius: 16px; padding: 18px 22px; color: #3E3114; }
.prose blockquote p:last-child { margin-bottom: 0; }
.note-box { background: var(--soft); border: 1px solid var(--line); border-radius: 18px; padding: 24px 26px; display: flex; flex-direction: column; gap: 6px; }
.note-box h2 { font-size: 22px; }

/* 404 */
.notfound { padding: 140px 0; text-align: center; display: flex; flex-direction: column; gap: 18px; align-items: center; }

/* Reveal-on-scroll (only when JS is running and motion is allowed) */
.js .reveal { opacity: 0; transform: translateY(14px); transition: opacity .5s ease, transform .5s ease; }
.js .reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .js .reveal { opacity: 1; transform: none; transition: none; }
  .btn, .card { transition: none; }
}

/* Mobile */
@media (max-width: 960px) {
  .nav-toggle { display: inline-flex; }
  .site-nav { display: none; position: absolute; top: 100%; left: 0; right: 0; background: var(--white); border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; gap: 0; padding: 8px 24px 20px; box-shadow: 0 20px 30px -20px rgba(5,36,72,.3); }
  .site-nav.open { display: flex; }
  .site-nav a:not(.btn) { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .site-nav .btn { margin-top: 14px; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .section { padding: 72px 0; }
  .hero-inner { padding-top: 64px; padding-bottom: 72px; gap: 40px; }
  .module-panel, .case-detail, .step-panel, .emi, .form, .leader-card { padding: 24px; }
  .case-detail h3, .module-panel h3 { font-size: 23px; }
  .seg { display: flex; border-radius: 18px; }
  .seg-btn { flex: 1 1 100%; border-radius: 12px; }
  .emi-v { font-size: 30px; }
}