/* ============================================================
   ABRIA CAPITAL & ADVISORY — Main Stylesheet
   Colors derived from logo: navy #0f1c3f, blue #3a7bd5
   GitHub Pages static site — no build tools required
   ============================================================ */

:root {
  --navy:         #0f1c3f;
  --navy-mid:     #162245;
  --navy-deep:    #080f1f;
  --blue:         #3a7bd5;
  --blue-light:   #5a93e0;
  --blue-pale:    #e8f0fb;
  --blue-border:  #c8d9f5;
  --off-white:    #f7f9fc;
  --white:        #ffffff;
  --text-dark:    #0f1c3f;
  --text-body:    #374151;
  --text-muted:   #6b7280;
  --border:       #e2e8f0;
  --border-dark:  rgba(255,255,255,0.08);
  --shadow-sm:    0 1px 3px rgba(15,28,63,0.08);
  --shadow-md:    0 4px 16px rgba(15,28,63,0.10);
  --radius:       6px;
  --radius-lg:    10px;
}

/* ---- RESET & BASE ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; overflow-x: hidden; }
body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  font-size: 16px;
  color: var(--text-body);
  background: var(--white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
ul { list-style: none; }

/* ---- TYPOGRAPHY ---- */
h1, h2, h3, h4, h5 {
  font-family: 'Montserrat', system-ui, sans-serif;
  color: var(--navy);
  line-height: 1.15;
  font-weight: 700;
  letter-spacing: -0.02em;
}
h1 { font-size: clamp(2rem, 5vw, 3rem); font-weight: 800; letter-spacing: -0.03em; }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.1rem); letter-spacing: -0.02em; }
h3 { font-size: 1.1rem; letter-spacing: -0.01em; }
h4 { font-size: 1rem; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

.eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--blue);
  display: block;
  margin-bottom: 0.5rem;
}
.eyebrow-light { color: var(--blue-light); }

/* ---- LAYOUT ---- */
.container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }
.section { padding: 72px 0; }
.section-alt { padding: 72px 0; background: var(--off-white); }
.section-dark { padding: 72px 0; background: var(--navy); }
.section-blue { padding: 72px 0; background: var(--blue-pale); }

.section-header { margin-bottom: 48px; }
.section-header.center { text-align: center; }
.section-header.center .section-intro { margin-left: auto; margin-right: auto; }
.section-intro { max-width: 600px; color: var(--text-muted); font-size: 1.05rem; margin-top: 0.75rem; }
.section-intro-light { max-width: 600px; color: rgba(255,255,255,0.6); font-size: 1.05rem; margin-top: 0.75rem; }
.h2-light { color: #fff; }

/* ---- TOP UTILITY BAR ---- */
#utility-bar {
  background: var(--navy-deep);
  padding: 7px 0;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.9);
}
#utility-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}
#utility-bar a { color: rgba(255,255,255,0.85); }
#utility-bar a:hover { color: var(--blue-light); text-decoration: none; }
.util-phone { color: #fff; font-weight: 500; }
.util-phone span { color: var(--blue-light); font-weight: 700; }
.util-advisory {
  border: 1px solid rgba(255,255,255,0.4);
  padding: 3px 12px;
  border-radius: 3px;
  font-size: 0.7rem;
  letter-spacing: 0.05em;
  color: #fff;
}

/* ---- HEADER BAR — logo left, Apply Today right ---- */
#site-header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.nav-logo img {
  height: 44px;
  width: auto;
  display: block;
}

/* ---- NAV BAR — dark strip below header, links centred ---- */
#site-nav {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(15,28,63,0.25);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  height: 52px;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 0;
}
.nav-links a {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.67rem;
  font-weight: 600;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.92);
  padding: 8px 16px;
  border-radius: 0;
  transition: background 0.15s, color 0.15s;
  white-space: nowrap;
}
.nav-links a:hover { background: rgba(255,255,255,0.12); color: #fff; text-decoration: none; }
.nav-links a.active { color: #fff; border-bottom: 2px solid var(--blue-light); }
.btn-nav-apply { display: none; }

/* hamburger */
.nav-toggle { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 4px; background: none; border: none; position: absolute; right: 24px; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: #fff; border-radius: 2px; transition: 0.2s; }

/* ---- HERO ---- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1a2d5a 65%, #1e3570 100%);
  padding: 80px 0 72px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 500px; height: 500px;
  border-radius: 50%;
  border: 1px solid rgba(58,123,213,0.12);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.hero-eyebrow {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--blue-light);
  margin-bottom: 16px;
}
.hero h1 {
  color: #fff;
  font-size: clamp(2rem, 4.5vw, 2.8rem);
  font-weight: 800;
  margin-bottom: 16px;
  letter-spacing: -0.01em;
}
.hero h1 span { color: var(--blue-light); }
.hero-sub {
  color: rgba(255,255,255,0.65);
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 32px;
  font-weight: 300;
}
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }
.btn-primary {
  display: inline-block;
  background: var(--blue);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 14px 28px;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: background 0.15s, transform 0.1s;
}
.btn-primary:hover { background: #2a6bc5; text-decoration: none; color: #fff; transform: translateY(-1px); }
.btn-ghost {
  display: inline-block;
  background: transparent;
  color: rgba(255,255,255,0.75);
  font-family: 'Montserrat', sans-serif;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 14px 24px;
  border-radius: var(--radius);
  border: 1px solid rgba(255,255,255,0.25);
  cursor: pointer;
  transition: border-color 0.15s, color 0.15s;
}
.btn-ghost:hover { border-color: rgba(255,255,255,0.5); color: #fff; text-decoration: none; }
.btn-secondary {
  display: inline-block;
  background: var(--navy);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 13px 26px;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: background 0.15s;
}
.btn-secondary:hover { background: var(--navy-mid); text-decoration: none; color: #fff; }
.btn-outline {
  display: inline-block;
  background: transparent;
  color: var(--blue);
  font-family: 'Montserrat', sans-serif;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 11px 22px;
  border-radius: var(--radius);
  border: 1.5px solid var(--blue);
  cursor: pointer;
  transition: background 0.15s, color 0.15s;
}
.btn-outline:hover { background: var(--blue); color: #fff; text-decoration: none; }

/* ---- HERO STAT CARDS ---- */
.hero-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.stat-card {
  background: rgba(255,255,255,0.10);
  border: 1px solid rgba(255,255,255,0.22);
  border-radius: var(--radius-lg);
  padding: 22px 20px;
}
.stat-icon {
  width: 36px; height: 36px;
  background: rgba(90,147,224,0.30);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 12px;
}
.stat-icon svg { width: 18px; height: 18px; fill: #fff; }
.stat-val {
  font-family: 'Montserrat', sans-serif;
  font-size: 1.6rem;
  font-weight: 800;
  color: #fff;
  line-height: 1;
  margin-bottom: 4px;
}
.stat-label { font-size: 0.78rem; color: rgba(255,255,255,0.75); line-height: 1.4; }

/* ---- TRUST BAND ---- */
.trust-band {
  background: var(--blue-pale);
  border-top: 1px solid var(--blue-border);
  border-bottom: 1px solid var(--blue-border);
  padding: 20px 0;
}
.trust-band-inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  divide-x: 1px solid var(--blue-border);
}
.trust-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 0 24px;
  border-right: 1px solid var(--blue-border);
  font-size: 0.82rem;
  color: var(--text-dark);
  line-height: 1.4;
}
.trust-item:first-child { padding-left: 0; }
.trust-item:last-child { border-right: none; }
.trust-check {
  width: 20px; height: 20px;
  background: var(--blue);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 1px;
  display: flex; align-items: center; justify-content: center;
  font-size: 10px;
  color: #fff;
}

/* ---- STEPS ---- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.step-block {
  padding: 32px 28px;
  border-right: 1px solid var(--border);
  position: relative;
}
.step-block:last-child { border-right: none; }
.step-num {
  width: 40px; height: 40px;
  background: var(--blue);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Montserrat', sans-serif;
  font-size: 1rem;
  font-weight: 800;
  color: #fff;
  margin-bottom: 16px;
}
.step-block h3 { font-size: 1rem; margin-bottom: 10px; }
.step-block p { font-size: 0.88rem; color: var(--text-muted); margin: 0; }
.step-arrow {
  position: absolute;
  top: 36px; right: -12px;
  width: 24px; height: 24px;
  background: var(--blue);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: #fff;
  font-size: 12px;
  z-index: 1;
}
.step-block:last-child .step-arrow { display: none; }

/* ---- PRODUCT CARDS ---- */
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.product-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-top: 3px solid var(--blue);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  transition: box-shadow 0.2s, transform 0.2s;
}
.product-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.product-icon {
  width: 44px; height: 44px;
  background: var(--blue-pale);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
  font-size: 20px;
}
.product-card h3 { font-size: 1rem; margin-bottom: 8px; }
.product-card p { font-size: 0.86rem; color: var(--text-muted); margin: 0 0 14px; }
.product-link {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  color: var(--blue);
}

/* ---- QUALIFY ---- */
.qualify-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.qualify-list { }
.qualify-list li {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.95rem;
}
.qualify-list li:last-child { border-bottom: none; }
.q-check {
  width: 24px; height: 24px;
  background: var(--blue);
  border-radius: 50%;
  flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 11px;
  color: #fff;
}
.qualify-note {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 32px;
}
.qualify-note h3 { color: #fff; margin-bottom: 14px; }
.qualify-note p { color: rgba(255,255,255,0.6); font-size: 0.9rem; margin-bottom: 20px; }

/* ---- SCENARIO CARDS ---- */
.scenarios-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.scenario-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow 0.2s;
}
.scenario-card:hover { box-shadow: var(--shadow-md); }
.scenario-banner {
  height: 120px;
  display: flex; align-items: center; justify-content: center;
  font-size: 3rem;
}
.banner-1 { background: linear-gradient(135deg, #1a2d5a, #3a7bd5); }
.banner-2 { background: linear-gradient(135deg, #0f1c3f, #1a2d5a); }
.banner-3 { background: linear-gradient(135deg, #2a4a8a, #4a8be0); }
.scenario-body { padding: 22px; }
.scenario-tag {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 6px;
}
.scenario-card h3 { font-size: 0.95rem; margin-bottom: 8px; }
.scenario-card p { font-size: 0.84rem; color: var(--text-muted); margin-bottom: 14px; }

/* ---- DIFFERENTIATOR ---- */
.diff-box {
  background: var(--blue-pale);
  border: 1px solid var(--blue-border);
  border-radius: var(--radius-lg);
  padding: 40px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  align-items: start;
}
.diff-box h2 { font-size: 1.7rem; margin-bottom: 16px; }
.diff-box p { font-size: 0.9rem; color: var(--text-body); }
.diff-points { }
.diff-points li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid var(--blue-border);
  font-size: 0.9rem;
}
.diff-points li:last-child { border-bottom: none; }
.diff-dot {
  width: 20px; height: 20px;
  background: var(--blue);
  border-radius: 50%;
  flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 10px;
  color: #fff;
  margin-top: 2px;
}

/* ---- INDUSTRIES ---- */
.industries-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 12px;
}
.industry-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 18px 16px;
  display: flex;
  align-items: center;
  gap: 12px;
  transition: border-color 0.15s, box-shadow 0.15s;
}
.industry-card:hover { border-color: var(--blue); box-shadow: var(--shadow-sm); }
.ind-icon { font-size: 1.5rem; flex-shrink: 0; }
.ind-name { font-family: 'Montserrat', sans-serif; font-size: 0.78rem; font-weight: 600; color: var(--navy); line-height: 1.3; }

/* ---- APPLY / FORM SECTION ---- */
.apply-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: start;
}
.apply-left h2 { color: #fff; margin-bottom: 16px; }
.apply-left p { color: rgba(255,255,255,0.6); font-size: 0.9rem; margin-bottom: 24px; }
.apply-checklist { }
.apply-checklist li {
  display: flex; align-items: center; gap: 10px;
  color: rgba(255,255,255,0.7);
  font-size: 0.88rem;
  padding: 6px 0;
}
.apply-checklist li::before {
  content: '✓';
  width: 20px; height: 20px;
  background: var(--blue);
  border-radius: 50%;
  flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-size: 10px;
  color: #fff;
}

/* ---- CONTACT FORM CARD ---- */
.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
}
.form-card h3 { font-size: 1.15rem; margin-bottom: 6px; }
.form-sub { font-size: 0.82rem; color: var(--text-muted); margin-bottom: 24px; }
.form-row { margin-bottom: 16px; }
.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 16px; }
label {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  color: var(--navy);
  margin-bottom: 5px;
  text-transform: uppercase;
}
input[type="text"],
input[type="email"],
input[type="tel"],
select,
textarea {
  width: 100%;
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 11px 14px;
  font-size: 0.9rem;
  color: var(--text-dark);
  font-family: 'Open Sans', sans-serif;
  transition: border-color 0.15s, box-shadow 0.15s;
  -webkit-appearance: none;
}
input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(58,123,213,0.12);
}
textarea { resize: vertical; min-height: 100px; }
.form-consent {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin-bottom: 18px;
}
.form-consent input[type="checkbox"] { width: auto; margin-top: 2px; flex-shrink: 0; }
.btn-submit {
  width: 100%;
  background: var(--blue);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 15px;
  border: none;
  border-radius: var(--radius);
  cursor: pointer;
  transition: background 0.15s;
}
.btn-submit:hover { background: var(--navy); }
.form-success {
  display: none;
  text-align: center;
  padding: 32px;
  color: var(--navy);
}
.form-success h3 { margin-bottom: 8px; }
.form-success p { color: var(--text-muted); }

/* ---- BREADCRUMB ---- */
.breadcrumb {
  background: var(--off-white);
  border-bottom: 1px solid var(--border);
  padding: 12px 0;
  font-size: 0.78rem;
  color: var(--text-muted);
}
.breadcrumb a { color: var(--blue); }
.breadcrumb span { margin: 0 6px; }

/* ---- PAGE HERO (interior) ---- */
.page-hero {
  background: linear-gradient(135deg, var(--navy), #1a2d5a);
  padding: 56px 0 52px;
  text-align: center;
}
.page-hero h1 { color: #fff; margin-bottom: 14px; }
.page-hero p { color: rgba(255,255,255,0.65); max-width: 600px; margin: 0 auto; font-size: 1.05rem; }

/* ---- BLOG ---- */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.blog-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow 0.2s, transform 0.2s;
}
.blog-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); text-decoration: none; }
.blog-card-body { padding: 22px; }
.blog-tag {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 8px;
  display: block;
}
.blog-card h3 { font-size: 0.98rem; margin-bottom: 8px; line-height: 1.35; }
.blog-card p { font-size: 0.84rem; color: var(--text-muted); margin-bottom: 14px; }
.blog-meta { font-size: 0.75rem; color: var(--text-muted); }
.blog-banner {
  height: 140px;
  background: linear-gradient(135deg, var(--navy), var(--blue));
  display: flex; align-items: center; justify-content: center;
  font-size: 2.5rem;
}

/* ---- INTERIOR ARTICLE ---- */
.article-layout { display: grid; grid-template-columns: 1fr 300px; gap: 48px; align-items: start; }
.article-body h2 { font-size: 1.3rem; margin: 2rem 0 0.75rem; }
.article-body h3 { font-size: 1.05rem; margin: 1.5rem 0 0.5rem; }
.article-body p { margin-bottom: 1rem; font-size: 0.95rem; line-height: 1.75; }
.article-body ul, .article-body ol { padding-left: 1.5rem; margin-bottom: 1rem; }
.article-body li { font-size: 0.95rem; margin-bottom: 0.4rem; }
.article-sidebar { position: sticky; top: 90px; }
.sidebar-card {
  background: var(--off-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 24px;
  margin-bottom: 20px;
}
.sidebar-card h4 { margin-bottom: 12px; font-size: 0.9rem; }
.sidebar-card p { font-size: 0.84rem; color: var(--text-muted); margin-bottom: 14px; }

/* ---- CTA STRIP ---- */
.cta-strip {
  background: var(--blue);
  padding: 40px 0;
  text-align: center;
}
.cta-strip h2 { color: #fff; margin-bottom: 10px; font-size: 1.6rem; }
.cta-strip p { color: rgba(255,255,255,0.75); margin-bottom: 24px; }

/* ---- FAQ ---- */
.faq-list { }
.faq-item {
  border-bottom: 1px solid var(--border);
  padding: 20px 0;
}
.faq-q {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-q::after { content: '+'; font-size: 1.2rem; color: var(--blue); }
.faq-q.open::after { content: '−'; }
.faq-a {
  font-size: 0.9rem;
  color: var(--text-body);
  line-height: 1.7;
  display: none;
}
.faq-a.open { display: block; }

/* ---- FOOTER ---- */
#site-footer {
  background: var(--navy-deep);
  padding: 56px 0 0;
  color: rgba(255,255,255,0.45);
  font-size: 0.82rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
  margin-bottom: 24px;
}
.footer-brand img { height: 36px; margin-bottom: 16px; opacity: 0.9; }
.footer-brand p { font-size: 0.82rem; line-height: 1.65; max-width: 280px; }
.footer-col h5 {
  font-family: 'Montserrat', sans-serif;
  font-size: 0.65rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 14px;
}
.footer-col ul li { padding: 4px 0; }
.footer-col ul a { color: rgba(255,255,255,0.5); font-size: 0.84rem; transition: color 0.15s; }
.footer-col ul a:hover { color: var(--blue-light); text-decoration: none; }
.footer-bottom {
  padding: 16px 0;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 20px;
  font-size: 0.74rem;
  color: rgba(255,255,255,0.2);
  flex-wrap: wrap;
}
.footer-disc { max-width: 520px; line-height: 1.55; }

/* ---- UTILITIES ---- */
.text-center { text-align: center; }
.text-blue { color: var(--blue); }
.mt-1 { margin-top: 8px; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mt-4 { margin-top: 32px; }
.mb-1 { margin-bottom: 8px; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 24px; }
.mb-4 { margin-bottom: 32px; }
.flex-center { display: flex; align-items: center; justify-content: center; gap: 14px; flex-wrap: wrap; }

/* ---- RESPONSIVE ---- */

/* === TABLET: 960px and below === */
@media (max-width: 960px) {
  .container { padding: 0 20px; }
  .section { padding: 56px 0; }
  .section-alt { padding: 56px 0; }
  .section-dark { padding: 56px 0; }
  .section-blue { padding: 56px 0; }

  /* Hero */
  .hero { padding: 56px 0 48px; }
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero-stats { grid-template-columns: repeat(2, 1fr); }

  /* Trust band */
  .trust-band-inner { grid-template-columns: 1fr 1fr; gap: 12px; }
  .trust-item { border-right: none; padding: 8px 0; }

  /* Steps */
  .steps-grid { grid-template-columns: 1fr; }
  .step-block { border-right: none; border-bottom: 1px solid var(--border); }
  .step-block:last-child { border-bottom: none; }
  .step-arrow { display: none !important; }

  /* Products */
  .products-grid { grid-template-columns: 1fr 1fr; }

  /* Qualify */
  .qualify-grid { grid-template-columns: 1fr; }

  /* Diff box */
  .diff-box { grid-template-columns: 1fr; gap: 24px; }

  /* Scenarios */
  .scenarios-grid { grid-template-columns: 1fr 1fr; }

  /* Industries */
  .industries-grid { grid-template-columns: repeat(2, 1fr); }

  /* Apply/form */
  .apply-grid { grid-template-columns: 1fr; gap: 32px; }

  /* Blog */
  .blog-grid { grid-template-columns: 1fr 1fr; }
  .article-layout { grid-template-columns: 1fr; }
  .article-sidebar { position: static; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }

  /* Nav */
  .nav-links a { padding: 8px 10px; font-size: 0.62rem; letter-spacing: 0.06em; }
}

/* === MOBILE: 700px and below === */
@media (max-width: 700px) {
  /* Global */
  .container { padding: 0 16px; }
  .section { padding: 48px 0; }
  .section-alt { padding: 48px 0; }
  .section-dark { padding: 48px 0; }
  .section-blue { padding: 48px 0; }
  html, body { overflow-x: hidden; max-width: 100%; }

  /* Header */
  #site-header { overflow: hidden; }
  .header-inner { height: 60px; }
  .nav-logo img { height: 36px; }
  .header-inner .btn-primary {
    font-size: 0.6rem;
    padding: 7px 12px;
    letter-spacing: 0.06em;
    white-space: nowrap;
  }

  /* Utility bar */
  #utility-bar .container { flex-direction: column; gap: 4px; text-align: center; }
  #utility-bar { padding: 6px 0; font-size: 0.68rem; }

  /* Nav */
  .nav-links { 
    display: none; 
    flex-direction: column; 
    position: absolute; 
    top: 46px; left: 0; right: 0; 
    background: var(--navy); 
    padding: 12px 20px 20px; 
    gap: 0; 
    box-shadow: 0 4px 16px rgba(0,0,0,0.4); 
    z-index: 200; 
    width: 100%;
    box-sizing: border-box;
  }
  .nav-links.open { display: flex; }
  .nav-links a { 
    padding: 11px 0; 
    border-bottom: 1px solid rgba(255,255,255,0.08); 
    font-size: 0.75rem;
    width: 100%;
  }
  .nav-links a:last-child { border-bottom: none; }
  .nav-toggle { display: flex; margin-top: 4px; }
  #site-nav .container { position: relative; }

  /* Hero */
  .hero { padding: 40px 0 36px; }
  .hero h1 { font-size: 2rem; }
  .hero-sub { font-size: 0.95rem; }
  .hero-ctas { flex-direction: column; gap: 10px; }
  .hero-ctas .btn-primary,
  .hero-ctas .btn-ghost { width: 100%; text-align: center; padding: 14px; }
  .hero-stats { grid-template-columns: 1fr 1fr; gap: 10px; }
  .stat-card { padding: 16px 14px; }
  .stat-val { font-size: 1.3rem; }

  /* Trust band */
  .trust-band { padding: 16px 0; }
  .trust-band-inner { grid-template-columns: 1fr; gap: 10px; }

  /* Steps */
  .steps-grid { border: none; gap: 12px; }
  .step-block { 
    border: 1px solid var(--border); 
    border-radius: var(--radius); 
    padding: 20px; 
    border-bottom: 1px solid var(--border) !important;
  }

  /* Products */
  .products-grid { grid-template-columns: 1fr; gap: 12px; }

  /* Qualify */
  .qualify-grid { grid-template-columns: 1fr; gap: 24px; }

  /* Diff box */
  .diff-box { padding: 24px 20px; }

  /* Scenarios */
  .scenarios-grid { grid-template-columns: 1fr; gap: 14px; }

  /* Industries */
  .industries-grid { grid-template-columns: 1fr 1fr; gap: 8px; }
  .industry-card { padding: 12px 10px; gap: 8px; }
  .ind-icon { font-size: 1.2rem; }
  .ind-name { font-size: 0.72rem; }

  /* Apply / form section */
  .apply-grid { grid-template-columns: 1fr; gap: 24px; }
  .apply-left h2 { font-size: 1.6rem; }
  .form-card { padding: 24px 18px; }
  .form-row-2 { grid-template-columns: 1fr; gap: 0; }

  /* Blog */
  .blog-grid { grid-template-columns: 1fr; gap: 16px; }
  .article-layout { grid-template-columns: 1fr; }
  .article-sidebar { position: static; margin-top: 32px; }

  /* Section headers */
  h2 { font-size: 1.6rem; }
  .section-header { margin-bottom: 32px; }

  /* CTA strip */
  .cta-strip h2 { font-size: 1.4rem; }
  .cta-strip { padding: 32px 0; }
  .flex-center { flex-direction: column; gap: 10px; }
  .flex-center .btn-primary,
  .flex-center .btn-outline,
  .flex-center .btn-secondary { width: 100%; text-align: center; }

  /* Footer */
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .footer-bottom { flex-direction: column; gap: 10px; }
  .footer-brand img { height: 30px; }
  #site-footer { padding: 40px 0 0; }

  /* Page hero */
  .page-hero { padding: 40px 0 36px; }
  .page-hero h1 { font-size: 1.8rem; }

  /* Breadcrumb */
  .breadcrumb { font-size: 0.72rem; }

  /* FAQ */
  .faq-q { font-size: 0.88rem; }
}


  /* Contact page — form first on mobile */
  .contact-form-col { order: -1; }
  .contact-info-col { order: 1; }

  /* About page grid */
  .about-grid { grid-template-columns: 1fr !important; gap: 24px !important; }

  /* Credibility strip */
  .cred-strip-inner { flex-direction: column; gap: 12px; }
  .cred-strip-inner > div { border-right: none !important; border-bottom: 1px solid var(--border); padding: 10px 16px !important; }
  .cred-strip-inner > div:last-child { border-bottom: none; }

/* === SMALL MOBILE: 400px and below === */
@media (max-width: 400px) {
  .hero h1 { font-size: 1.75rem; }
  .hero-stats { grid-template-columns: 1fr; }
  .industries-grid { grid-template-columns: 1fr; }
  .nav-logo img { height: 30px; }
  .header-inner { height: 54px; }
}

/* Always hide toggle on desktop */
@media (min-width: 701px) {
  .nav-toggle { display: none !important; }
  .nav-links { display: flex !important; }
}