/* ============================================================
   4ONE4 CAPITAL — Design System
   Palette derived from the BCM Motorsport race livery:
   Avery Matte Metallic Night Blue + gold cut graphics + white.
   ============================================================ */

/* ---------- Tokens ---------- */
:root {
  --night:        #1E2F63;   /* metallic night blue (brand base) */
  --night-deep:   #16224A;   /* deeper panel blue */
  --night-ink:    #0C1329;   /* near-black navy, footers */
  --night-tint:   #2B3F7D;   /* lifted blue for hovers */

  --gold:         #C8A245;   /* livery gold */
  --gold-light:   #E3C777;
  --gold-deep:    #A2803090;
  --gold-solid:   #A28030;

  --white:        #FFFFFF;
  --stone:        #F7F5F1;   /* warm off-white */
  --stone-deep:   #EDE9E1;
  --ink:          #14192B;
  --slate:        #59627A;
  --slate-light:  #C3CADB;
  --border:       #E2E0D9;
  --border-dark:  rgba(255,255,255,0.14);

  --maxw: 1200px;
  --radius: 4px;
  --shadow-sm: 0 2px 8px rgba(12,19,41,0.06);
  --shadow-md: 0 12px 32px rgba(12,19,41,0.10);
  --shadow-lg: 0 24px 60px rgba(12,19,41,0.16);
  --ease: cubic-bezier(.22,.61,.36,1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }

h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  line-height: 1.12;
  letter-spacing: -0.015em;
  margin: 0 0 14px;
  color: var(--ink);
}
h1 { font-size: clamp(2.4rem, 5.2vw, 4.1rem); }
h2 { font-size: clamp(1.8rem, 3.4vw, 2.7rem); }
h3 { font-size: 1.22rem; }
h4 { font-size: 1rem; font-family: 'Inter', sans-serif; font-weight: 700; }
p  { margin: 0 0 16px; }
em { font-style: italic; color: var(--gold-solid); }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 26px; }

/* ---------- Utility ---------- */
.center { text-align: center; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 12px;
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.2em;
  text-transform: uppercase; color: var(--gold-solid);
  margin-bottom: 16px;
}
.eyebrow::before, .eyebrow::after {
  content: ""; width: 26px; height: 1px; background: var(--gold);
}
.eyebrow.on-dark { color: var(--gold-light); }
.eyebrow.on-dark::before, .eyebrow.on-dark::after { background: var(--gold); }
.eyebrow.solo::before { display: none; }

.lead { font-size: 1.1rem; color: var(--slate); }
.muted { color: var(--slate); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 30px; border: 1px solid transparent; border-radius: var(--radius);
  font-family: 'Inter', sans-serif; font-size: 0.9rem; font-weight: 600;
  letter-spacing: 0.02em; text-decoration: none; cursor: pointer;
  transition: all .25s var(--ease); white-space: nowrap;
}
.btn-primary { background: var(--gold); color: var(--night-ink); border-color: var(--gold); }
.btn-primary:hover { background: var(--gold-light); border-color: var(--gold-light); transform: translateY(-2px); box-shadow: 0 10px 24px rgba(200,162,69,.32); }
.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,.4); }
.btn-outline:hover { background: rgba(255,255,255,.1); border-color: var(--white); transform: translateY(-2px); }
.btn-dark { background: var(--night); color: var(--white); border-color: var(--night); }
.btn-dark:hover { background: var(--night-tint); border-color: var(--night-tint); transform: translateY(-2px); }
.btn-ghost { background: transparent; color: var(--night); border-color: var(--border); }
.btn-ghost:hover { border-color: var(--night); background: var(--stone); }
.btn-block { width: 100%; }
.btn-sm { padding: 10px 20px; font-size: 0.82rem; }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--night-ink); color: var(--slate-light);
  font-size: 0.78rem; padding: 9px 0; border-bottom: 1px solid rgba(255,255,255,.07);
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap; }
.topbar-links { display: flex; gap: 22px; align-items: center; flex-wrap: wrap; }
.topbar a { color: var(--slate-light); text-decoration: none; transition: color .2s; }
.topbar a:hover { color: var(--gold-light); }
.topbar .entity { opacity: .75; letter-spacing: .03em; }

/* ---------- Header / nav ---------- */
.site-header {
  background: var(--night); position: sticky; top: 0; z-index: 100;
  border-bottom: 1px solid rgba(255,255,255,.09);
}
.site-header::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 2px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold) 22%, transparent 22%, transparent 100%);
}
.nav-wrap {
  max-width: var(--maxw); margin: 0 auto; padding: 0 26px;
  display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 78px;
}
.logo { display: flex; align-items: center; text-decoration: none; flex-shrink: 0; }
.logo img { height: 52px; width: auto; }
nav.main-nav { display: flex; gap: 34px; margin-left: auto; }
nav.main-nav a {
  position: relative; color: var(--slate-light); text-decoration: none;
  font-size: 0.87rem; font-weight: 500; letter-spacing: .02em; padding: 6px 0;
  transition: color .2s;
}
nav.main-nav a::after {
  content: ""; position: absolute; left: 0; bottom: 0; height: 2px; width: 0;
  background: var(--gold); transition: width .25s var(--ease);
}
nav.main-nav a:hover { color: var(--white); }
nav.main-nav a:hover::after, nav.main-nav a.active::after { width: 100%; }
nav.main-nav a.active { color: var(--gold-light); }
.nav-actions { display: flex; align-items: center; gap: 16px; }
.nav-phone { color: var(--white); font-size: 0.87rem; font-weight: 600; white-space: nowrap; }
.menu-toggle {
  display: none; flex-direction: column; gap: 5px; background: none;
  border: none; cursor: pointer; padding: 6px;
}
.menu-toggle span { width: 24px; height: 2px; background: var(--white); transition: .2s; }

/* ---------- Sections ---------- */
section { padding: 92px 0; }
section.tight { padding: 62px 0; }
section.stone { background: var(--stone); }
section.on-navy { background: var(--night); color: var(--white); position: relative; overflow: hidden; }
section.on-navy h1, section.on-navy h2, section.on-navy h3 { color: var(--white); }
section.on-navy p { color: var(--slate-light); }
section.ink { background: var(--night-ink); color: var(--white); }
section.ink h2, section.ink h3 { color: var(--white); }
section.ink p { color: var(--slate-light); }

.section-head { margin-bottom: 52px; max-width: 720px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head p { color: var(--slate); font-size: 1.05rem; margin-bottom: 0; }
section.on-navy .section-head p, section.ink .section-head p { color: var(--slate-light); }

/* Angular gold shard motif (from the livery) */
.shard {
  position: absolute; pointer-events: none; background: var(--gold); opacity: .16;
}
.shard-a { top: -40px; right: 6%; width: 260px; height: 520px; clip-path: polygon(38% 0, 100% 0, 62% 100%, 0 100%); }
.shard-b { bottom: -60px; left: -40px; width: 200px; height: 380px; clip-path: polygon(38% 0, 100% 0, 62% 100%, 0 100%); opacity: .1; }

/* ---------- Hero ---------- */
.hero {
  position: relative; min-height: 640px; display: flex; align-items: center;
  color: var(--white); overflow: hidden; padding: 96px 0;
}
.hero-bg { position: absolute; inset: 0; z-index: 0; }
.hero-bg img { width: 100%; height: 100%; object-fit: cover; }
.hero-bg::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(100deg, rgba(12,19,41,.95) 0%, rgba(22,34,74,.9) 42%, rgba(30,47,99,.62) 72%, rgba(30,47,99,.35) 100%);
}
.hero-chevron {
  position: absolute; top: 0; bottom: 0; left: 46%; width: 300px; z-index: 1;
  background: var(--gold); opacity: .13;
  clip-path: polygon(42% 0, 100% 0, 58% 100%, 0 100%);
}
.hero .container { position: relative; z-index: 2; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 60px; align-items: center; }
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero .lead { color: rgba(255,255,255,.86); font-size: 1.13rem; max-width: 560px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin: 30px 0 34px; }

.value-chips { display: flex; flex-wrap: wrap; gap: 12px 26px; }
.chip { display: flex; align-items: center; gap: 9px; font-size: 0.85rem; color: rgba(255,255,255,.86); font-weight: 500; }
.chip .tick { color: var(--gold-light); font-weight: 700; }

.hero-card {
  background: rgba(12,19,41,.72); backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,.14); border-radius: var(--radius);
  padding: 36px; position: relative; overflow: hidden;
}
.hero-card::before {
  content: ""; position: absolute; top: 0; left: 0; width: 100%; height: 3px;
  background: linear-gradient(90deg, var(--gold), transparent);
}
.hero-card h3 { color: var(--white); font-size: 1.5rem; margin-bottom: 12px; }
.hero-card p { color: var(--slate-light); font-size: 0.95rem; }
.badge {
  display: inline-block; background: rgba(200,162,69,.16); border: 1px solid rgba(200,162,69,.4);
  color: var(--gold-light); font-size: 0.7rem; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; padding: 6px 13px; border-radius: 100px; margin-bottom: 16px;
}

/* ---------- Trust band ---------- */
.trust-band { background: var(--night-ink); padding: 26px 0; border-top: 1px solid rgba(255,255,255,.07); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; text-align: center; }
.trust-item .num {
  font-family: 'Playfair Display', serif; font-size: 1.85rem; font-weight: 700;
  color: var(--gold-light); line-height: 1; margin-bottom: 6px;
}
.trust-item .lbl { font-size: 0.76rem; color: var(--slate-light); letter-spacing: .06em; text-transform: uppercase; }

/* ---------- Cards ---------- */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 44px; align-items: center; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

.card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 32px 28px; transition: all .3s var(--ease); position: relative; overflow: hidden;
}
.card::before {
  content: ""; position: absolute; top: 0; left: 0; height: 3px; width: 0;
  background: var(--gold); transition: width .35s var(--ease);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--stone-deep); }
.card:hover::before { width: 100%; }
.card h3 { margin-bottom: 10px; }
.card p { color: var(--slate); font-size: 0.94rem; margin-bottom: 0; }
.card .icon {
  width: 46px; height: 46px; display: flex; align-items: center; justify-content: center;
  background: var(--night); color: var(--gold-light); border-radius: var(--radius);
  font-size: 1.1rem; font-weight: 700; margin-bottom: 18px;
}
.card.on-dark { background: rgba(255,255,255,.05); border-color: var(--border-dark); }
.card.on-dark h3 { color: var(--white); }
.card.on-dark p { color: var(--slate-light); }

/* Loan cards with imagery */
.loan-card {
  background: var(--white); border: 1px solid var(--border); border-radius: var(--radius);
  overflow: hidden; display: flex; flex-direction: column; transition: all .3s var(--ease);
}
.loan-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.loan-card .thumb { position: relative; aspect-ratio: 16/10; overflow: hidden; background: var(--stone-deep); }
.loan-card .thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s var(--ease); }
.loan-card:hover .thumb img { transform: scale(1.06); }
.loan-card .thumb::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(12,19,41,.55), transparent 55%);
}
.loan-card .tag {
  position: absolute; top: 14px; left: 14px; z-index: 2;
  background: var(--gold); color: var(--night-ink); font-size: 0.66rem; font-weight: 700;
  letter-spacing: .1em; text-transform: uppercase; padding: 5px 11px; border-radius: 3px;
}
.loan-card .body { padding: 26px 26px 28px; flex: 1; display: flex; flex-direction: column; }
.loan-card h3 { margin-bottom: 10px; }
.loan-card p { color: var(--slate); font-size: 0.93rem; }
.loan-card ul { margin: 0 0 18px; padding-left: 18px; color: var(--slate); font-size: 0.89rem; line-height: 1.8; }
.loan-card .link {
  margin-top: auto; color: var(--gold-solid); font-weight: 600; font-size: 0.87rem;
  text-decoration: none; display: inline-flex; align-items: center; gap: 6px;
}
.loan-card .link:hover { gap: 11px; }

/* ---------- Split feature ---------- */
.split-img { position: relative; }
.split-img img { width: 100%; aspect-ratio: 4/3; object-fit: cover; border-radius: var(--radius); }
.split-img::before {
  content: ""; position: absolute; top: -18px; left: -18px; width: 120px; height: 120px;
  border-top: 3px solid var(--gold); border-left: 3px solid var(--gold); z-index: -1;
}
.split-img.right::before { left: auto; right: -18px; border-left: none; border-right: 3px solid var(--gold); }

/* ---------- Feature list ---------- */
.feature-list { list-style: none; margin: 0; padding: 0; }
.feature-list li {
  display: flex; gap: 14px; padding: 15px 0; border-bottom: 1px solid var(--border);
  font-size: 0.95rem; color: var(--slate);
}
.feature-list li:last-child { border-bottom: none; }
.feature-list .mark { color: var(--gold-solid); font-weight: 700; flex-shrink: 0; }
.feature-list strong { color: var(--ink); display: block; margin-bottom: 2px; }
section.on-navy .feature-list li, section.ink .feature-list li { border-color: var(--border-dark); color: var(--slate-light); }
section.on-navy .feature-list strong, section.ink .feature-list strong { color: var(--white); }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 26px; counter-reset: step; }
.step { position: relative; padding-top: 26px; }
.step::before {
  counter-increment: step; content: "0" counter(step);
  font-family: 'Playfair Display', serif; font-size: 2.1rem; font-weight: 700;
  color: var(--gold); opacity: .5; position: absolute; top: -12px; left: 0;
}
.step h3 { font-size: 1.05rem; margin-bottom: 8px; padding-top: 20px; }
.step p { font-size: 0.9rem; color: var(--slate); margin: 0; }
section.on-navy .step p, section.ink .step p { color: var(--slate-light); }

/* ---------- Quote / band ---------- */
.cta-band {
  background: var(--night); border-radius: var(--radius); padding: 52px 56px;
  display: flex; align-items: center; justify-content: space-between; gap: 36px;
  flex-wrap: wrap; position: relative; overflow: hidden;
}
.cta-band::before {
  content: ""; position: absolute; top: 0; right: 8%; width: 190px; height: 100%;
  background: var(--gold); opacity: .14; clip-path: polygon(42% 0, 100% 0, 58% 100%, 0 100%);
}
.cta-band > * { position: relative; z-index: 1; }
.cta-band h2 { color: var(--white); margin-bottom: 6px; }
.cta-band p { color: var(--slate-light); margin: 0; }

/* ---------- Page header ---------- */
.page-header {
  background: var(--night); color: var(--white); padding: 72px 0 66px;
  position: relative; overflow: hidden;
}
.page-header::before {
  content: ""; position: absolute; top: 0; right: 4%; width: 240px; height: 100%;
  background: var(--gold); opacity: .13; clip-path: polygon(42% 0, 100% 0, 58% 100%, 0 100%);
}
.page-header .container { position: relative; z-index: 1; }
.page-header h1 { color: var(--white); font-size: clamp(2.1rem, 4.2vw, 3.2rem); margin-bottom: 12px; }
.page-header p { color: var(--slate-light); font-size: 1.05rem; max-width: 640px; margin: 0; }
.breadcrumb { font-size: 0.78rem; color: var(--slate-light); margin-bottom: 16px; letter-spacing: .04em; }
.breadcrumb a { color: var(--gold-light); text-decoration: none; }

/* ---------- FAQ ---------- */
.faq-item { border-bottom: 1px solid var(--border-dark); }
.faq-q {
  display: flex; justify-content: space-between; align-items: center; gap: 20px;
  padding: 20px 0; cursor: pointer; font-weight: 600; font-size: 1rem; color: var(--white);
}
.faq-q .icon { color: var(--gold); font-size: 1.3rem; transition: transform .25s; flex-shrink: 0; }
.faq-item.open .faq-q .icon { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .35s var(--ease); }
.faq-item.open .faq-a { max-height: 420px; }
.faq-a p { color: var(--slate-light); font-size: 0.94rem; padding-bottom: 20px; margin: 0; }

/* light FAQ variant */
.faq-light .faq-item { border-color: var(--border); }
.faq-light .faq-q { color: var(--ink); }
.faq-light .faq-a p { color: var(--slate); }

/* ---------- Forms ---------- */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-bottom: 22px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label {
  display: block; font-size: 0.8rem; font-weight: 600; color: var(--ink);
  margin-bottom: 7px; letter-spacing: .02em;
}
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 13px 15px; border: 1px solid var(--border); border-radius: var(--radius);
  font-family: inherit; font-size: 0.94rem; color: var(--ink); background: var(--white);
  transition: border-color .2s, box-shadow .2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(200,162,69,.15);
}
.form-group textarea { min-height: 128px; resize: vertical; }
.form-note { font-size: 0.78rem; color: var(--slate); margin: 14px 0 0; line-height: 1.6; }

.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 48px; align-items: start; }
.contact-info-card {
  background: var(--night); color: var(--white); border-radius: var(--radius);
  padding: 38px 34px; position: relative; overflow: hidden;
}
.contact-info-card::before {
  content: ""; position: absolute; top: 0; right: -30px; width: 150px; height: 100%;
  background: var(--gold); opacity: .12; clip-path: polygon(42% 0, 100% 0, 58% 100%, 0 100%);
}
.contact-info-card > * { position: relative; z-index: 1; }
.contact-info-card h3 { color: var(--white); margin-bottom: 26px; }
.contact-row { display: flex; gap: 15px; padding: 15px 0; border-bottom: 1px solid var(--border-dark); }
.contact-row:last-of-type { border-bottom: none; }
.contact-row .icon { color: var(--gold-light); font-size: 1rem; flex-shrink: 0; width: 22px; }
.contact-row h4 { color: var(--white); font-size: 0.82rem; text-transform: uppercase; letter-spacing: .1em; margin-bottom: 4px; }
.contact-row p, .contact-row a { color: var(--slate-light); font-size: 0.93rem; margin: 0; text-decoration: none; }
.contact-row a:hover { color: var(--gold-light); }
.map-block { margin-top: 26px; border-radius: var(--radius); overflow: hidden; }
.map-block iframe { width: 100%; height: 220px; border: 0; display: block; }

/* ---------- Calculator ---------- */
.calc-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 44px; align-items: start; }
.calc-panel { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius); padding: 34px; }
.calc-field { margin-bottom: 26px; }
.calc-field label { display: flex; justify-content: space-between; align-items: baseline; font-size: 0.84rem; font-weight: 600; margin-bottom: 10px; }
.calc-field label span:last-child { color: var(--gold-solid); font-weight: 700; font-size: 0.95rem; }
input[type=range] {
  width: 100%; height: 4px; -webkit-appearance: none; appearance: none;
  background: var(--stone-deep); border-radius: 4px; outline: none;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%;
  background: var(--gold); border: 3px solid var(--white); box-shadow: var(--shadow-sm); cursor: pointer;
}
input[type=range]::-moz-range-thumb {
  width: 20px; height: 20px; border-radius: 50%; background: var(--gold);
  border: 3px solid var(--white); cursor: pointer;
}
.calc-result {
  background: var(--night); color: var(--white); border-radius: var(--radius);
  padding: 38px 34px; position: relative; overflow: hidden;
}
.calc-result::before {
  content: ""; position: absolute; top: 0; right: -40px; width: 170px; height: 100%;
  background: var(--gold); opacity: .12; clip-path: polygon(42% 0, 100% 0, 58% 100%, 0 100%);
}
.calc-result > * { position: relative; z-index: 1; }
.calc-result .headline { font-size: 0.78rem; letter-spacing: .14em; text-transform: uppercase; color: var(--slate-light); }
.calc-result .big {
  font-family: 'Playfair Display', serif; font-size: 3rem; font-weight: 700;
  color: var(--gold-light); line-height: 1.05; margin: 8px 0 4px;
}
.calc-result .per { color: var(--slate-light); font-size: 0.86rem; margin-bottom: 26px; }
.calc-line { display: flex; justify-content: space-between; padding: 12px 0; border-bottom: 1px solid var(--border-dark); font-size: 0.9rem; }
.calc-line:last-child { border-bottom: none; }
.calc-line span:first-child { color: var(--slate-light); }
.calc-line span:last-child { color: var(--white); font-weight: 600; }

/* ---------- Footer ---------- */
.site-footer { background: var(--night-ink); color: var(--slate-light); padding: 70px 0 34px; }
.footer-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr 1fr; gap: 42px; margin-bottom: 44px; }
.footer-logo img { height: 54px; width: auto; margin-bottom: 18px; }
.site-footer p { font-size: 0.88rem; line-height: 1.75; color: var(--slate-light); }
.footer-col h4 {
  color: var(--white); font-size: 0.78rem; text-transform: uppercase;
  letter-spacing: .14em; margin-bottom: 18px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: 10px; font-size: 0.88rem; }
.footer-col a { color: var(--slate-light); text-decoration: none; transition: color .2s; }
.footer-col a:hover { color: var(--gold-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.09); padding-top: 24px;
  display: flex; justify-content: space-between; gap: 18px; flex-wrap: wrap;
  font-size: 0.82rem;
}
.footer-legal {
  font-size: 0.74rem; line-height: 1.75; color: rgba(195,202,219,.62);
  margin: 22px 0 0; padding-top: 20px; border-top: 1px solid rgba(255,255,255,.07);
}
.footer-legal a { color: var(--gold-light); text-decoration: underline; }

/* ---------- Notice box ---------- */
.notice {
  background: var(--stone); border: 1px solid var(--border);
  border-left: 3px solid var(--gold); border-radius: var(--radius); padding: 22px 26px;
}
.notice p { font-size: 0.85rem; color: var(--slate); margin: 0; }

/* ---------- Legal page typography ---------- */
.legal-body { max-width: 860px; }
.legal-body h2 { font-size: 1.35rem; margin: 40px 0 14px; }
.legal-body h2:first-of-type { margin-top: 0; }
.legal-body p, .legal-body li { color: var(--slate); font-size: 0.96rem; }
.legal-body ul { margin: 0 0 22px; padding-left: 22px; line-height: 1.85; }
.legal-body a { color: var(--gold-solid); font-weight: 600; }
.legal-meta { font-size: 0.85rem; color: var(--slate); font-style: italic; margin-bottom: 34px; }

/* ---------- Reveal on scroll ---------- */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .hero-grid, .grid-2, .calc-grid, .contact-grid { grid-template-columns: 1fr; }
  .grid-4, .steps, .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-chevron { display: none; }
  .shard { display: none; }
  .split-img::before { display: none; }
  nav.main-nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: var(--night-deep); flex-direction: column; gap: 0;
    padding: 12px 26px 20px; border-bottom: 1px solid rgba(255,255,255,.1);
  }
  nav.main-nav.mobile-open { display: flex; }
  nav.main-nav a { padding: 13px 0; border-bottom: 1px solid rgba(255,255,255,.07); }
  .menu-toggle { display: flex; }
  .nav-phone { display: none; }
  .topbar .entity { display: none; }
}
@media (max-width: 620px) {
  section { padding: 62px 0; }
  .grid-3, .grid-4, .steps, .form-grid, .footer-grid { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: repeat(2, 1fr); gap: 22px; }
  .hero { min-height: 0; padding: 68px 0; }
  .cta-band { padding: 36px 28px; }
  .calc-panel, .calc-result, .contact-info-card, .hero-card { padding: 26px 22px; }
  .nav-wrap { min-height: 66px; }
  .logo img { height: 42px; }
  .topbar { font-size: 0.72rem; }
  .topbar-links { gap: 14px; }
}