/* BIG2 website, styled after thefm.com.ng: navy, royal blue, green and yellow on paper-white, set in DM Sans */
:root{
  --navy:#08195A; --navy-2:#0C2670; --navy-3:#04123F;
  --royal:#0B57D8; --sky:#8FB6FF; --mint:#6EE7A6; --green:#128C3E; --yellow:#FFD21F;
  --magenta:#B02A9C;
  --ink:#0B1B3F; --muted:#4B5B7C; --paper:#F5F9FF; --line:#DCE6F7; --white:#fff;
  --font:"DM Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --header-h:72px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 12px);-webkit-text-size-adjust:100%;overflow-x:clip}
html.menu-open{overflow:hidden}
body{margin:0;font-family:var(--font);font-size:1.0625rem;line-height:1.65;color:var(--ink);background:var(--white);overflow-x:clip;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
img{display:block}
a{color:inherit}
h1,h2,h3,h4{font-family:var(--font);margin:0;font-weight:600;letter-spacing:-.03em;line-height:1.12}
p{margin:0}
ul,ol,dl,dd{margin:0;padding:0;list-style:none}
:focus-visible{outline:3px solid var(--sky);outline-offset:3px;border-radius:6px}
.skip{position:absolute;left:12px;top:-60px;background:var(--white);color:var(--navy);padding:10px 16px;border-radius:10px;font-weight:700;z-index:300}
.skip:focus{top:12px}
.wrap{width:min(1180px,100% - 40px);margin-inline:auto}
.section{padding:clamp(56px,8vw,100px) 0}
.section--paper{background:var(--paper)}
.section--navy{background:var(--navy);color:var(--white)}
.ic{width:24px;height:24px;flex:none;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.ic--fill{fill:currentColor;stroke:none}

/* Headings and text */
.eyebrow{font-size:.95rem;font-weight:700;color:var(--royal);margin-bottom:12px}
h2{font-size:clamp(1.9rem,4.4vw,3rem)}
h3{font-size:1.2rem;letter-spacing:-.02em}
.sec-head{display:grid;gap:16px;margin-bottom:clamp(28px,5vw,48px)}
.sec-head p{color:var(--muted);max-width:58ch}
.section--navy .sec-head p{color:#C0D0F6}
@media (min-width:900px){.sec-head{grid-template-columns:1fr 1fr;align-items:end;gap:56px}}
.split{display:grid;gap:24px;align-items:start}
@media (min-width:900px){.split{grid-template-columns:5fr 7fr;gap:64px}}
.prose{display:grid;gap:16px;color:var(--muted);max-width:62ch}
.prose a{color:var(--royal);font-weight:600}
.pull{margin:clamp(32px,5vw,56px) 0 0;padding:clamp(24px,4vw,40px);border-left:6px solid var(--yellow);background:var(--paper);border-radius:0 20px 20px 0;font-size:clamp(1.35rem,3vw,2.1rem);font-weight:600;letter-spacing:-.025em;line-height:1.25;color:var(--navy)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:13px 24px;border-radius:14px;border:2px solid transparent;font:700 1rem/1.2 var(--font);text-decoration:none;cursor:pointer;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-2px)}
.btn .ic{width:20px;height:20px}
.btn--primary{background:var(--royal);color:var(--white)}
.btn--primary:hover{background:#0847B5}
.btn--white{background:var(--white);color:var(--navy)}
.btn--white:hover{background:var(--paper)}
.btn--yellow{background:var(--yellow);color:var(--navy)}
.btn--yellow:hover{background:#FFDD55}
.btn--ghost{border-color:rgba(255,255,255,.55);color:var(--white);background:transparent}
.btn--ghost:hover{background:rgba(255,255,255,.12)}
.more{margin-top:clamp(28px,4vw,40px)}

/* Header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:var(--header-h);gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{width:46px;height:46px;object-fit:contain}
.brand-text{display:grid;line-height:1.1}
.brand-text strong{font-size:1.35rem;letter-spacing:-.03em;color:var(--navy)}
.brand-text span{font-size:.78rem;color:var(--muted);font-weight:500}
.menu-btn{display:grid;place-items:center;width:48px;height:48px;border:1px solid var(--line);border-radius:12px;background:var(--white);color:var(--navy);cursor:pointer}
.menu-btn .ic-close{display:none}
html.menu-open .menu-btn .ic-open{display:none}
html.menu-open .menu-btn .ic-close{display:block}
.nav{display:none}
html.menu-open .nav{display:flex;flex-direction:column;position:fixed;inset:var(--header-h) 0 0 0;background:var(--white);padding:16px 20px 40px;overflow:auto;gap:2px}
.nav a{padding:15px 12px;border-radius:12px;text-decoration:none;font-weight:600;color:var(--ink);border-bottom:1px solid var(--line)}
.nav a[aria-current="page"]{color:var(--royal);background:var(--paper)}
@media (min-width:1060px){
  .menu-btn{display:none}
  .nav,html.menu-open .nav{display:flex;flex-direction:row;position:static;padding:0;gap:2px;overflow:visible;background:none}
  .nav a{padding:10px 12px;border-bottom:0;font-size:.96rem}
  .nav a:hover{background:var(--paper)}
}

/* Hero */
.hero{background:radial-gradient(1200px 600px at 85% 20%,#12358F 0%,transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-3) 100%);color:var(--white);padding:clamp(48px,7vw,96px) 0 clamp(56px,8vw,104px);overflow:hidden}
.hero-grid{display:grid;gap:40px;align-items:center}
@media (min-width:900px){.hero-grid{grid-template-columns:1.25fr .9fr;gap:56px}}
.kicker{font-weight:700;color:var(--mint);margin-bottom:16px}
.hero h1{font-size:clamp(2.4rem,6.2vw,4.5rem);font-weight:700;letter-spacing:-.04em;max-width:15ch}
.lead{margin-top:20px;font-size:clamp(1.1rem,2vw,1.3rem);color:#C9D7F8;max-width:50ch}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.hero-mark{display:grid;place-items:center}
.mark{width:min(420px,76vw);aspect-ratio:1;border-radius:50%;padding:10px;background:conic-gradient(from 210deg,#1E8BE0,#C23FB0,#4CC02A,#1E8BE0);box-shadow:0 30px 80px rgba(0,0,0,.35)}
.mark-in{width:100%;height:100%;border-radius:50%;background:#fff;display:grid;place-items:center;overflow:hidden}
.mark-in img{width:82%;height:auto}

/* Facts strip */
.facts{background:var(--white);border-bottom:1px solid var(--line)}
.facts-row{display:grid;gap:0}
.facts-row>div{display:flex;align-items:center;gap:14px;padding:20px 0;border-bottom:1px solid var(--line);color:var(--royal)}
.facts-row>div:last-child{border-bottom:0}
.facts-row span{display:grid;line-height:1.35;color:var(--muted);font-size:.95rem}
.facts-row strong{color:var(--navy);font-size:1.02rem}
@media (min-width:820px){.facts-row{grid-template-columns:repeat(3,1fr)}.facts-row>div{border-bottom:0;padding:26px 0}}

/* Grids and cards */
.grid{display:grid;gap:20px}
.grid--2{grid-template-columns:1fr}
.grid--3,.grid--4{grid-template-columns:1fr}
@media (min-width:700px){.grid--3,.grid--4{grid-template-columns:repeat(2,1fr)}}
@media (min-width:900px){.grid--2{grid-template-columns:repeat(2,1fr)}.grid--3{grid-template-columns:repeat(3,1fr)}.grid--4{grid-template-columns:repeat(4,1fr)}}
.card{background:var(--white);border:1px solid var(--line);border-radius:22px;padding:28px;display:flex;flex-direction:column;gap:12px}
.section--paper .card{border-color:#D3E0F5}
.card p{color:var(--muted)}
.gap h3{font-size:1.1rem}
.pic{display:inline-grid;place-items:center;width:52px;height:52px;border-radius:16px;color:var(--white);background:var(--royal);flex:none}
.pic--blue{background:var(--royal)}
.pic--green{background:var(--green)}
.pic--magenta{background:var(--magenta)}
.pic--navy{background:var(--navy)}
.pic--yellow{background:var(--yellow);color:var(--navy)}
.card-link{margin-top:auto;display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--royal);text-decoration:none;padding-top:6px}
.card-link .ic{width:18px;height:18px;transition:transform .15s}
.card-link:hover .ic{transform:translateX(4px)}
.pcard{transition:box-shadow .2s,transform .2s}
.pcard:hover{transform:translateY(-3px);box-shadow:0 18px 40px rgba(8,25,90,.10)}

/* Core system cards */
.core{border-radius:28px;padding:clamp(28px,4vw,44px);display:flex;flex-direction:column;align-items:flex-start;gap:14px;color:var(--white)}
.core--man{background:linear-gradient(150deg,var(--royal),var(--navy))}
.core--wepp{background:linear-gradient(150deg,var(--green),#0A5A29)}
.core-ic{display:grid;place-items:center;width:56px;height:56px;border-radius:18px;background:rgba(255,255,255,.16)}
.core h3{font-size:clamp(1.5rem,3vw,2rem);letter-spacing:-.03em}
.core h3 span{font-weight:500;opacity:.85}
.core-tag{font-weight:700;font-size:1.1rem}
.core p{color:rgba(255,255,255,.88)}
.core .btn{margin-top:auto}.core p:last-of-type{margin-bottom:12px}

/* Lists */
.ticks{display:grid;gap:10px}
.ticks li{display:flex;gap:12px;align-items:flex-start}
.ticks .ic{width:22px;height:22px;margin-top:2px;color:var(--green);stroke-width:2.4}
.ticks--light .ic{color:var(--mint)}
.section--navy .ticks{margin-top:22px}
.plain{display:grid;gap:14px}
.plain li{color:var(--muted)}
.plain strong{color:var(--navy)}
.plain--big{margin-top:16px}
.mv h2{margin-bottom:16px}
.mv p{color:#C9D7F8;max-width:52ch}

/* Steps (these are real sequences) */
.steps{counter-reset:s;display:grid;gap:14px}
.steps li{counter-increment:s;position:relative;display:grid;gap:4px;padding:20px 20px 20px 72px;border-radius:20px;background:var(--white);border:1px solid var(--line)}
.steps li::before{content:counter(s);position:absolute;left:20px;top:20px;width:36px;height:36px;border-radius:12px;display:grid;place-items:center;background:var(--royal);color:var(--white);font-weight:700}
.steps strong{font-size:1.1rem;color:var(--navy)}
.steps span{color:var(--muted)}
.section--navy .steps li{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.18)}
.section--navy .steps strong{color:var(--white)}
.section--navy .steps span{color:#C0D0F6}
.section--navy .steps li::before{background:var(--yellow);color:var(--navy)}
@media (min-width:700px){.steps--card{grid-template-columns:repeat(2,1fr)}.steps--stack{grid-template-columns:1fr}}
@media (min-width:1000px){.steps--card:not(.steps--stack){grid-template-columns:repeat(4,1fr)}.steps--row{grid-template-columns:repeat(3,1fr)}}
@media (min-width:1100px){.steps--row{grid-template-columns:repeat(6,1fr)}.steps--row li{padding:68px 18px 20px}.steps--row li::before{left:18px;top:18px}}
.steps--stack li{background:var(--white)}

/* Page hero */
.page-hero{background:linear-gradient(160deg,var(--navy),var(--navy-3));color:var(--white);padding:clamp(40px,6vw,76px) 0 clamp(44px,6vw,80px)}
.page-hero h1{font-size:clamp(2.1rem,5.2vw,3.6rem);max-width:20ch}
.hero-short{font-weight:500;opacity:.8}
.crumb{font-size:.92rem;color:#A9BDEB;margin-bottom:16px}
.crumb a{text-decoration:none}
.crumb a:hover{text-decoration:underline}

/* Projects page */
.prows{display:grid;gap:20px}
.prow{border:1px solid var(--line);border-radius:26px;padding:clamp(22px,3.5vw,36px);display:grid;gap:22px;background:var(--white)}
.prow:nth-child(even){background:var(--paper)}
.prow-head{display:flex;align-items:center;gap:16px}
.prow-head h2{font-size:clamp(1.4rem,3vw,2rem)}
.prow-body{display:grid;gap:20px}
.prow dl{display:grid;gap:16px}
.prow dt{font-weight:700;color:var(--navy);margin-bottom:2px}
.prow dd{color:var(--muted)}
.prow-action{display:flex;align-items:flex-end}
@media (min-width:900px){.prow-body{grid-template-columns:1fr auto;align-items:end;gap:36px}.prow dl{grid-template-columns:repeat(3,1fr);gap:28px}}

/* Notes, offer, details */
.note{display:flex;gap:20px;align-items:flex-start;padding:clamp(24px,4vw,36px);border-radius:24px;background:var(--white);border:1px solid var(--line)}
.note .pic{width:56px;height:56px}
.note--blue .pic{background:var(--royal)}
.note--green .pic{background:var(--green)}
.note h3{font-size:1.4rem;margin-bottom:8px}
.note p{color:var(--muted);max-width:62ch}
.offer-main{background:linear-gradient(150deg,var(--royal),var(--navy));color:var(--white);border-radius:28px;padding:clamp(26px,4vw,40px)}
.offer-label{font-weight:700;color:var(--mint)}
.offer-price{font-size:clamp(2.8rem,7vw,4.2rem);font-weight:700;letter-spacing:-.04em;line-height:1.1;margin:6px 0 10px}
.offer-main p{color:#DCE6FF}
.offer-main strong{color:var(--white)}
.offer h2{margin-bottom:6px}
.details{display:grid;gap:0;border:1px solid var(--line);border-radius:20px;overflow:hidden}
.details>div{display:grid;gap:2px;padding:16px 22px;border-bottom:1px solid var(--line);background:var(--white)}
.details>div:last-child{border-bottom:0}
.details dt{font-weight:700;color:var(--navy);font-size:.95rem}
.details dd{color:var(--muted)}
@media (min-width:640px){.details>div{grid-template-columns:160px 1fr;gap:20px}}

/* CTA band */
.cta-band{padding:clamp(48px,7vw,80px) 0}
.cta-inner{display:grid;gap:26px;align-items:center}
.cta-inner h2{font-size:clamp(1.8rem,4vw,2.6rem);max-width:20ch}
.cta-inner p{margin-top:12px;color:#C0D0F6;max-width:50ch}
.cta-actions{display:flex;flex-wrap:wrap;gap:12px}
@media (min-width:900px){.cta-inner{grid-template-columns:1fr auto;gap:56px}}

/* Contact */
.contact-cards{display:grid;gap:16px;align-content:start}
.ccard{flex-direction:row;align-items:center;gap:18px;text-decoration:none}
.ccard h3{margin-bottom:2px}
.form{gap:14px}
.form h2{font-size:1.8rem}
.form-note{font-size:.95rem}
.form label{display:grid;gap:6px;font-weight:600;color:var(--navy);font-size:.95rem}
.form input,.form select,.form textarea{font:400 1rem/1.4 var(--font);color:var(--ink);padding:14px;border:1.5px solid #C5D4EE;border-radius:12px;background:var(--white);width:100%}
.form input:focus,.form select:focus,.form textarea:focus{outline:3px solid var(--sky);outline-offset:1px;border-color:var(--royal)}
.form-error{color:#B3261E;font-weight:600}

/* Footer */
.site-footer{background:var(--navy-3);color:#C0D0F6;padding-top:clamp(44px,6vw,72px)}
.foot-grid{display:grid;gap:32px;padding-bottom:40px}
@media (min-width:860px){.foot-grid{grid-template-columns:1.4fr 1fr 1.2fr;gap:56px}}
.foot-brand{display:flex;align-items:center;gap:14px;margin-bottom:14px}
.foot-brand img{width:52px;height:52px;background:#fff;border-radius:50%;padding:4px;object-fit:contain}
.foot-brand strong{display:block;color:var(--white);font-size:1.4rem;letter-spacing:-.03em;line-height:1.1}
.foot-brand span{font-size:.85rem}
.site-footer h3{color:var(--white);font-size:1.05rem;margin-bottom:14px}
.site-footer ul{display:grid;gap:10px}
.site-footer a{text-decoration:none}
.site-footer a:hover{text-decoration:underline;color:var(--white)}
.foot-contact li{display:flex;gap:12px;align-items:flex-start}
.foot-contact .ic{width:20px;height:20px;margin-top:3px;color:var(--mint)}
.foot-base{display:grid;gap:6px;border-top:1px solid rgba(255,255,255,.14);padding:20px 0 96px;font-size:.88rem}
@media (min-width:860px){.foot-base{grid-template-columns:1fr auto;padding-bottom:28px}}

/* Floating WhatsApp */
.float-wa{position:fixed;right:16px;bottom:16px;z-index:90;display:inline-flex;align-items:center;gap:10px;min-height:56px;padding:0 20px 0 16px;border-radius:999px;background:#128C3E;color:#fff;font-weight:700;text-decoration:none;box-shadow:0 10px 28px rgba(4,18,63,.35)}
.float-wa .ic{width:28px;height:28px}
.float-wa:hover{background:#0E7A35}
@media (max-width:520px){.float-wa span{display:none}.float-wa{padding:0 14px}}

@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto !important;transition:none !important}}

/* ===== v2 additions ===== */
/* Header: no backdrop-filter, so the mobile menu (position:fixed) can fill the screen */
.site-header{backdrop-filter:none;-webkit-backdrop-filter:none;background:#fff}
.nav-dd{position:relative;display:flex;align-items:center;flex-wrap:wrap}
.nav-dd .dd-link{flex:1}
.dd-btn{display:inline-grid;place-items:center;width:44px;height:44px;border:0;background:none;color:var(--navy);cursor:pointer;border-radius:10px}
.dd-btn .ic{width:20px;height:20px;transition:transform .15s}
.nav-dd.open .dd-btn .ic{transform:rotate(180deg)}
.dd-panel{display:none;width:100%;padding:4px 0 8px 14px}
.dd-panel a{display:block;padding:12px;border-radius:10px;text-decoration:none;font-weight:500;color:var(--ink);border-bottom:0}
.dd-panel a:hover,.dd-panel a[aria-current="page"]{background:var(--paper);color:var(--royal)}
html.menu-open .nav-dd .dd-panel{display:grid}
.nav-cta{margin-top:12px;min-height:50px}
@media (min-width:1060px){
  .nav-dd{flex-wrap:nowrap}
  .nav-dd .dd-link{padding:10px 2px 10px 12px;flex:none}
  .dd-btn{width:28px;height:36px;margin-right:4px}
  .dd-panel,html.menu-open .nav-dd .dd-panel{display:none;position:absolute;top:100%;left:0;min-width:300px;padding:8px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 20px 50px rgba(8,25,90,.14);z-index:120;grid-template-columns:1fr}
  .nav-dd:hover .dd-panel,.nav-dd.open .dd-panel,.nav-dd:focus-within .dd-panel{display:grid}
  .nav-cta{margin:0 0 0 8px;min-height:44px;padding:10px 18px;font-size:.95rem}
  .nav a[aria-current="page"]{background:var(--paper)}
}

/* Open now badge */
.badge{display:inline-flex;align-items:center;gap:8px;padding:6px 14px;border-radius:999px;background:rgba(110,231,166,.16);color:var(--mint);font-weight:700;font-size:.92rem;margin-bottom:16px}
.badge::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--mint)}

/* Featured cards on home */
.feat{display:grid;gap:20px}
@media (min-width:900px){.feat{grid-template-columns:1fr 1fr}}
.feat-card{border-radius:28px;padding:clamp(26px,4vw,40px);display:flex;flex-direction:column;align-items:flex-start;gap:14px}
.feat-card h3{font-size:clamp(1.6rem,3.2vw,2.2rem)}
.feat-card--sts{background:linear-gradient(150deg,var(--royal),var(--navy));color:#fff}
.feat-card--edu{background:#fff;border:1px solid var(--line)}
.feat-card p{color:inherit;opacity:.9}
.feat-price{font-size:2.4rem;font-weight:700;letter-spacing:-.04em;line-height:1}
.feat-card .btn{margin-top:auto}

/* Gallery */
.gallery{display:grid;gap:14px;grid-template-columns:repeat(2,1fr)}
@media (min-width:800px){.gallery{grid-template-columns:repeat(3,1fr)}}
.gallery button{padding:0;border:0;background:none;cursor:zoom-in;border-radius:18px;overflow:hidden;display:block;position:relative}
.gallery img{width:100%;aspect-ratio:4/3;object-fit:cover;transition:transform .3s}
.gallery button:hover img{transform:scale(1.04)}
.gallery .cap{position:absolute;inset:auto 0 0 0;padding:28px 12px 10px;background:linear-gradient(transparent,rgba(4,18,63,.75));color:#fff;font-size:.88rem;text-align:left}
.lightbox{border:0;padding:0;background:transparent;max-width:min(94vw,900px);max-height:92vh;overflow:visible}
.lightbox::backdrop{background:rgba(4,18,63,.85)}
.lightbox img{width:100%;max-height:78vh;object-fit:contain;border-radius:16px;background:#000}
.lightbox p{color:#fff;text-align:center;margin-top:10px}
.lb-close{position:absolute;right:6px;top:-52px;width:44px;height:44px;border-radius:50%;border:0;background:#fff;color:var(--navy);display:grid;place-items:center;cursor:pointer}

/* Portal buttons and helpers */
.btn--block{display:flex;width:100%}
.btn--sm{min-height:42px;padding:9px 16px;font-size:.92rem}
.btn--wa{background:#128C3E;color:#fff}
.btn--wa:hover{background:#0E7A35}
.btn--ghost-light{border-color:rgba(255,255,255,.6);color:#fff;background:transparent}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}
.eyebrow--mint{color:var(--mint)}
.p-body{background:var(--paper);min-height:100vh}
.brand2{display:flex;align-items:center;gap:10px;font-weight:700;color:var(--navy);text-decoration:none}
.brand2 img{width:38px;height:38px;object-fit:contain;background:#fff;border-radius:50%}
.p-top .brand2{color:#fff}
.who{display:flex;gap:12px;align-items:center;font-size:.92rem;color:var(--muted)}
.reg-wrap{max-width:860px}
.note-line{text-align:center;color:var(--muted)}
.note-line a{color:var(--royal);font-weight:700}

/* In-page chips */
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.chips a{padding:10px 16px;border-radius:999px;border:1.5px solid rgba(255,255,255,.4);color:#fff;text-decoration:none;font-weight:600;font-size:.95rem}
.chips a:hover{background:rgba(255,255,255,.14)}
.chips-bar{position:sticky;top:var(--header-h);z-index:60;background:#fff;border-bottom:1px solid var(--line);overflow-x:auto;white-space:nowrap}
.chips-bar .wrap{display:flex;gap:6px;padding:8px 0}
.chips-bar a{padding:10px 14px;border-radius:999px;text-decoration:none;font-weight:600;font-size:.95rem;color:var(--ink)}
.chips-bar a:hover{background:var(--paper);color:var(--royal)}

/* Project hero with logo */
.hero-logo{display:inline-block;background:#fff;border-radius:18px;padding:12px 18px;margin-bottom:22px}
.hero-logo img{height:64px;width:auto}
.callout{padding:22px 24px;border-radius:20px;background:var(--paper);border-left:6px solid var(--yellow);color:var(--navy);font-weight:600}
.callout p+p{margin-top:8px;font-weight:400;color:var(--muted)}
.section--navy .callout{background:rgba(255,255,255,.08);color:#fff}
.section--navy .callout p+p{color:#C0D0F6}
.two-col{display:grid;gap:20px}
@media (min-width:800px){.two-col{grid-template-columns:1fr 1fr}}
.listcard{background:#fff;border:1px solid var(--line);border-radius:22px;padding:26px}
.listcard h3{margin-bottom:12px}
.fine{font-size:.92rem;color:var(--muted);margin-top:18px}
.section--navy .fine{color:#B4C6F2}
.quote-card{border-radius:24px;background:#fff;border:1px solid var(--line);padding:clamp(24px,4vw,36px)}
.quote-card blockquote{margin:0 0 14px;font-size:1.3rem;font-weight:600;letter-spacing:-.02em;color:var(--navy)}
.partner{display:grid;gap:4px}
.partner .tag{display:inline-block;width:fit-content;font-size:.82rem;font-weight:700;color:var(--royal);background:#E8F0FF;border-radius:999px;padding:3px 10px;margin-top:6px}
.partner h3{font-size:1.15rem}

/* FAQ */
.faq{display:grid;gap:12px;max-width:820px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:18px;padding:0 22px}
.faq summary{cursor:pointer;list-style:none;font-weight:700;color:var(--navy);padding:20px 0;display:flex;justify-content:space-between;gap:12px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--royal);line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq details p{padding:0 0 20px;color:var(--muted)}

/* Fee table */
.fees{display:grid;border:1px solid var(--line);border-radius:20px;overflow:hidden;background:#fff}
.fees>div{display:grid;gap:2px;padding:16px 22px;border-bottom:1px solid var(--line)}
.fees>div:last-child{border-bottom:0}
.fees dt{font-weight:700;color:var(--navy)}
.fees dd{color:var(--muted)}
.fees .amt{font-weight:700;color:var(--royal);font-size:1.15rem}
@media (min-width:700px){.fees>div{grid-template-columns:1fr 200px 2fr;align-items:center;gap:20px}}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.pills span{padding:7px 14px;border-radius:999px;background:var(--paper);border:1px solid var(--line);font-size:.92rem;font-weight:500;color:var(--navy)}
.hero-photo{border-radius:24px;overflow:hidden;box-shadow:0 20px 50px rgba(8,25,90,.18)}
.hero-photo img{width:100%;height:auto}

/* ===== v3: member portal ===== */
.b-grid{display:grid;gap:14px;grid-template-columns:1fr}
@media (min-width:700px){.b-grid{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.b-grid{grid-template-columns:repeat(3,1fr)}}
.bcard{background:#fff;border:1px solid var(--line);border-radius:20px;padding:22px;display:flex;flex-direction:column;align-items:flex-start;gap:10px}
.bcard h3{font-size:1.1rem}
.bcard p{color:var(--muted);font-size:.97rem}
.bcard .btn{margin-top:auto}
.bstat{display:inline-block;padding:3px 12px;border-radius:999px;font-size:.82rem;font-weight:700;background:#EEF3FF;color:var(--royal)}
.bstat--active{background:#E3F6EA;color:#0C6B2F}
.bstat--pending{background:#FFF4CC;color:#7A5B00}
.bstat--declined{background:#FDE7E5;color:#A3281F}
.p-panel+.p-panel,.p-pay+.p-panel,.p-panel+.p-pay{margin-top:18px}
.login-grid{display:grid;gap:34px;max-width:1100px;margin:0 auto;padding:clamp(28px,5vw,56px) 0}
@media (min-width:960px){.login-grid{grid-template-columns:420px 1fr;align-items:start;gap:56px}}
.brandpick h2{font-size:clamp(1.5rem,3vw,2rem);margin-bottom:8px}
.brandpick>p{color:var(--muted);margin-bottom:18px}
.astat{display:grid;gap:2px;padding:14px 16px;border-radius:16px;background:#fff;border:1px solid var(--line);font-size:.9rem;color:var(--muted)}
.astat b{color:var(--navy);font-size:1rem}
.astats{display:grid;gap:10px;grid-template-columns:repeat(2,1fr)}
@media (min-width:900px){.astats{grid-template-columns:repeat(4,1fr)}}
.atabs{display:flex;gap:8px;margin:22px 0 14px}
.atabs button{padding:11px 20px;border-radius:12px;border:1.5px solid var(--line);background:#fff;font:700 .98rem var(--font);color:var(--navy);cursor:pointer}
.atabs button[aria-selected=true]{background:var(--royal);border-color:var(--royal);color:#fff}
.afilters{display:grid;gap:10px;grid-template-columns:1fr}
@media (min-width:700px){.afilters{grid-template-columns:2fr 1fr 1fr}}
.mcard{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 20px;margin-top:12px}
.mhead{display:flex;justify-content:space-between;gap:12px;align-items:flex-start}
.mhead h3{font-size:1.1rem}
.mhead p,.mmore p{color:var(--muted);font-size:.94rem;overflow-wrap:anywhere}
.mmore{margin-top:10px;padding-top:10px;border-top:1px dashed var(--line);display:grid;gap:4px}
.msig{max-width:200px;margin-top:8px;background:#fff;border:1px solid var(--line);border-radius:8px}
.mrow{display:flex;flex-wrap:wrap;gap:8px 12px;align-items:center;padding:12px 0;border-top:1px solid var(--line);margin-top:12px}
.mname{font-weight:700;color:var(--navy);flex:1 1 180px}
.macts{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.cno{font-weight:700;color:#0C6B2F;font-size:.9rem}
.vrow{display:flex;justify-content:space-between;gap:12px;align-items:center;padding:12px 0;border-bottom:1px solid var(--line)}
.vrow small{display:block;color:var(--muted)}
.vform{display:grid;gap:10px;grid-template-columns:1fr}
@media (min-width:900px){.vform{grid-template-columns:1.2fr 1fr 1.6fr 1.6fr 90px auto;align-items:end}}
.vform label{display:grid;gap:4px;font-weight:600;font-size:.9rem;color:var(--navy)}
.verify-card{max-width:560px;margin:0 auto}
.vres{margin-top:16px;padding:18px;border-radius:16px;background:#E3F6EA;color:#0C4F24}
.vres.bad{background:#FDE7E5;color:#8A1F17}

.btn--ghost-dark{border-color:var(--royal);color:var(--royal);background:transparent}.btn--ghost-dark:hover{background:var(--paper)}