/* =========================================================================
   6figurefunding.com  |  Landing page styles
   Static site, mobile-first, Cloudflare Pages.
   Design owner: Art Director (CD-01). Build: Web Developer (WEB-01).
   Neutral fintech lead-gen brand. NOT Project Baseline. No PB red, no PB marks.
   No em dashes anywhere in this file.
   ========================================================================= */

/* -------------------------------------------------------------------------
   1. Design tokens (pasted from the design system :root spec)
   ------------------------------------------------------------------------- */
:root {
  /* ---- Color: Primary (Trust Blue) ---- */
  --navy-900: #0A2540;
  --navy-700: #123A63;
  --blue-600: #2563EB;
  --blue-100: #E4EDFC;
  --blue-50:  #F2F6FD;

  /* ---- Color: Action (Approved Green) - CTA + success only ---- */
  --green-600: #0E7C3A;   /* CTA default, white text = 5.30:1 AA */
  --green-700: #0B6A31;   /* CTA hover */
  --green-800: #095829;   /* CTA active */
  --green-500: #18A957;   /* accent check icons on dark */
  --green-50:  #E7F6EC;   /* success wash */

  /* ---- Color: Semantic ---- */
  --success:    #0E7C3A;
  --success-bg: #E7F6EC;
  --danger:     #D92D20;
  --danger-bg:  #FDECEA;

  /* ---- Color: Neutrals / surface / text ---- */
  --bg:             #FFFFFF;
  --surface:        #F7F9FC;
  --border:         #E2E8F0;
  --neutral-300:    #CBD5E1;
  --text-muted:     #64748B;
  --text-secondary: #334155;
  --text:           #1A2433;
  --text-on-dark:   #FFFFFF;
  --text-on-dark-muted: #9FB2CC;

  /* ---- Typography ---- */
  --font-display: "Plus Jakarta Sans", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-body:    "Inter", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  --h1: 3rem;        /* 48px desktop */
  --h2: 2.125rem;    /* 34px */
  --h3: 1.375rem;    /* 22px */
  --lede: 1.1875rem; /* 19px */
  --body: 1.0625rem; /* 17px */
  --small: 0.875rem; /* 14px */
  --eyebrow: 0.8125rem; /* 13px */

  --fw-body: 400;
  --fw-medium: 500;
  --fw-semibold: 600;
  --fw-bold: 700;
  --fw-black: 800;

  /* ---- Spacing (4px base) ---- */
  --space-1: 4px;   --space-2: 8px;   --space-3: 12px;  --space-4: 16px;
  --space-5: 20px;  --space-6: 24px;  --space-8: 32px;  --space-10: 40px;
  --space-12: 48px; --space-16: 64px; --space-20: 80px; --space-24: 96px;
  --space-28: 112px;

  /* ---- Layout ---- */
  --container: 1120px;
  --measure: 640px;     /* readable text column */
  --quiz-max: 560px;
  --gutter: 20px;       /* 24px tablet / 32px desktop via media query */

  /* ---- Radius ---- */
  --r-btn: 10px;
  --r-input: 10px;
  --r-card: 14px;
  --r-panel: 20px;
  --r-pill: 999px;

  /* ---- Shadow ---- */
  --shadow-sm:  0 1px 3px rgba(10,37,64,.06);
  --shadow-card: 0 4px 24px rgba(10,37,64,.08);
  --shadow-cta:  0 2px 8px rgba(14,124,58,.25);
  --shadow-cta-hover: 0 4px 14px rgba(14,124,58,.30);

  /* ---- Focus ring ---- */
  --ring-blue:  0 0 0 3px rgba(37,99,235,.45);
  --ring-input: 0 0 0 3px rgba(37,99,235,.18);

  /* ---- Motion ---- */
  --t-fast: 140ms ease;
  --t-step: 180ms ease;
}

@media (min-width: 768px) {
  :root { --gutter: 32px; }
}

/* -------------------------------------------------------------------------
   2. Reset / base
   ------------------------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
  /* overflow-x clip (not hidden) so position:sticky keeps working */
  overflow-x: clip;
}

body {
  margin: 0;
  font: var(--fw-body) 1rem/1.6 var(--font-body);
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
}

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

a { color: var(--blue-600); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, p { margin: 0; }

button { font-family: inherit; cursor: pointer; }

/* Respect users who prefer reduced motion */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}

/* Visually hidden but available to screen readers and native form semantics */
.visually-hidden {
  position: absolute !important;
  width: 1px; height: 1px;
  padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0);
  white-space: nowrap; border: 0;
}

/* Skip link */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--navy-900);
  color: #fff;
  padding: 12px 16px;
  z-index: 200;
  border-radius: 0 0 var(--r-btn) 0;
}
.skip-link:focus { left: 0; }

/* -------------------------------------------------------------------------
   3. Typography scale
   ------------------------------------------------------------------------- */
h1 { font: var(--fw-black) 2rem/1.15 var(--font-display); letter-spacing: -.02em; color: var(--text); }
h2 { font: var(--fw-bold) 1.625rem/1.2 var(--font-display); letter-spacing: -.01em; color: var(--text); }
h3 { font: var(--fw-bold) 1.25rem/1.3 var(--font-display); color: var(--text); }

@media (min-width: 768px) {
  h1 { font-size: var(--h1); line-height: 1.1; }
  h2 { font-size: var(--h2); }
  h3 { font-size: var(--h3); }
  body { font-size: var(--body); }
}

.eyebrow {
  font: var(--fw-semibold) var(--eyebrow)/1.2 var(--font-body);
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--blue-600);
  margin: 0 0 var(--space-3);
}
.section--dark .eyebrow { color: var(--green-500); }

.lede {
  font: var(--fw-body) var(--lede)/1.6 var(--font-body);
  color: var(--text-secondary);
}
.section--dark .lede { color: var(--text-on-dark-muted); }

.muted { color: var(--text-muted); }

/* -------------------------------------------------------------------------
   4. Layout primitives
   ------------------------------------------------------------------------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.section {
  padding-block: var(--space-16);
}
@media (min-width: 768px) {
  .section { padding-block: var(--space-24); }
}

.section--surface { background: var(--surface); }
.section--wash    { background: var(--blue-50); }
.section--dark {
  background: linear-gradient(160deg, var(--navy-900) 0%, var(--navy-700) 100%);
  color: var(--text-on-dark);
}
.section--dark h1, .section--dark h2, .section--dark h3 { color: var(--text-on-dark); }

.measure { max-width: var(--measure); }
.center  { text-align: center; }
.mx-auto { margin-inline: auto; }

.section-head { max-width: var(--measure); margin-bottom: var(--space-10); }
.section-head.center { margin-inline: auto; }

/* -------------------------------------------------------------------------
   5. Buttons
   ------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  font: var(--fw-semibold) 17px/1 var(--font-body);
  letter-spacing: .01em;
  border: none;
  border-radius: var(--r-btn);
  padding: 0 28px;
  height: 56px;
  text-decoration: none;
  transition: all var(--t-fast);
  white-space: nowrap;
}
.btn:hover { text-decoration: none; }
@media (min-width: 768px) {
  .btn { font-size: 18px; height: 54px; }
}

.btn-primary {
  background: var(--green-600);
  color: #fff;
  box-shadow: var(--shadow-cta);
}
.btn-primary:hover {
  background: var(--green-700);
  box-shadow: var(--shadow-cta-hover);
  transform: translateY(-1px);
}
.btn-primary:active {
  background: var(--green-800);
  transform: translateY(0);
  box-shadow: var(--shadow-cta);
}
.btn-primary:focus-visible {
  outline: none;
  box-shadow: var(--ring-blue);
}
.btn-primary:disabled,
.btn-primary[aria-disabled="true"] {
  background: #A7C9B4;
  box-shadow: none;
  transform: none;
  cursor: not-allowed;
}

.btn-secondary {
  background: transparent;
  color: var(--blue-600);
  border: 1.5px solid var(--blue-600);
}
.btn-secondary:hover { background: var(--blue-50); }
.btn-secondary:focus-visible { outline: none; box-shadow: var(--ring-blue); }

.btn-ghost {
  background: transparent;
  color: var(--blue-600);
  height: auto;
  padding: 8px 4px;
  box-shadow: none;
}
.btn-ghost:hover { text-decoration: underline; background: transparent; }
.btn-ghost:focus-visible { outline: none; box-shadow: var(--ring-blue); border-radius: 6px; }

.btn-block { display: flex; width: 100%; }

@media (min-width: 768px) {
  .btn-auto-desktop { width: auto; align-self: flex-start; }
}

/* -------------------------------------------------------------------------
   6. Top bar
   ------------------------------------------------------------------------- */
.topbar {
  position: sticky;
  top: 0;
  z-index: 100;
  height: 60px;
  background: #fff;
  border-bottom: 1px solid var(--border);
}
.topbar .container {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.wordmark {
  font: var(--fw-black) 20px/1 var(--font-display);
  letter-spacing: -.02em;
  color: var(--navy-900);
  text-decoration: none;
}
.wordmark:hover { text-decoration: none; }
.wordmark .accent { color: var(--green-600); }   /* the single brand accent: the 6 */
.wordmark .light  { font-weight: var(--fw-bold); }
.topbar-link {
  font: var(--fw-semibold) 15px/1 var(--font-body);
  color: var(--navy-900);
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
}

/* -------------------------------------------------------------------------
   7. Hero
   ------------------------------------------------------------------------- */
.hero {
  /* CSS background fallback color so the page reads correctly if hero.jpg is
     momentarily missing. The <img> sits above this and covers it once loaded. */
  background: linear-gradient(160deg, var(--navy-900) 0%, var(--navy-700) 100%);
  color: var(--text-on-dark);
  padding-block: var(--space-16);
}
@media (min-width: 768px) {
  .hero { padding-block: var(--space-28); }
}
.hero .container {
  display: grid;
  gap: var(--space-10);
  align-items: center;
}
@media (min-width: 900px) {
  .hero .container {
    grid-template-columns: 55fr 45fr;
    gap: var(--space-16);
  }
}
.hero h1 { color: #fff; margin-bottom: var(--space-5); }
.hero .lede { color: var(--text-on-dark-muted); margin-bottom: var(--space-8); max-width: 34rem; }
.hero-cta-wrap { display: flex; flex-direction: column; gap: var(--space-4); align-items: stretch; }
@media (min-width: 768px) {
  .hero-cta-wrap { align-items: flex-start; }
}
.hero-microtrust {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--small);
  color: var(--text-on-dark-muted);
  max-width: 30rem;
}
.hero-microtrust svg { flex: 0 0 auto; color: var(--green-500); }

/* Hero image frame with background fallback color */
.hero-media {
  position: relative;
  border-radius: var(--r-panel);
  overflow: hidden;
  background: var(--navy-700);           /* fallback if image missing */
  aspect-ratio: 3 / 2;
  box-shadow: var(--shadow-card);
}
.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* -------------------------------------------------------------------------
   8. Trust bar (assurance chips, no fabricated stats)
   ------------------------------------------------------------------------- */
.trust-bar {
  background: var(--surface);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding-block: var(--space-6);
}
.trust-bar-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--space-4);
}
@media (min-width: 768px) {
  .trust-bar-grid { grid-template-columns: repeat(4, 1fr); gap: var(--space-6); }
}
.trust-chip {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font: var(--fw-semibold) 14px/1.3 var(--font-body);
  color: var(--text-secondary);
}
.trust-chip svg { flex: 0 0 auto; color: var(--blue-600); }

/* -------------------------------------------------------------------------
   9. Generic card grids (value, how-it-works, trust/credibility)
   ------------------------------------------------------------------------- */
.grid-3 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}
@media (min-width: 768px) {
  .grid-3 { grid-template-columns: repeat(3, 1fr); }
}

.grid-2 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--space-6);
}
@media (min-width: 768px) {
  .grid-2 { grid-template-columns: repeat(2, 1fr); }
}

.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-card);
  padding: var(--space-6);
}
.section--surface .card { background: #fff; }

.card-icon {
  width: 44px; height: 44px;
  border-radius: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--blue-50);
  color: var(--blue-600);
  margin-bottom: var(--space-4);
}
.card h3 { margin-bottom: var(--space-2); }
.card p { color: var(--text-secondary); font-size: var(--body); }

/* Value / offer benefit rows (icon + bold micro-head + one line) */
.benefit {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: var(--space-4);
  align-items: start;
}
.benefit .card-icon { margin-bottom: 0; }
.benefit h3 { font-size: 1.125rem; margin-bottom: var(--space-1); }
.benefit p { color: var(--text-secondary); }

.uses-line {
  margin-top: var(--space-8);
  padding: var(--space-5) var(--space-6);
  background: var(--blue-50);
  border-radius: var(--r-card);
  color: var(--text-secondary);
  font-size: var(--body);
}
.uses-line strong { color: var(--text); }

/* Supporting growth visual (abstract motif) */
.value-visual {
  margin: var(--space-12) 0 0;
  border-radius: var(--r-panel);
  overflow: hidden;
  background: var(--blue-50);            /* fallback if growth.png missing */
  aspect-ratio: 16 / 9;
  box-shadow: var(--shadow-sm);
}
.value-visual img { width: 100%; height: 100%; object-fit: cover; }

/* How-it-works numbered step cards */
.step-card { text-align: left; }
.step-num {
  width: 48px; height: 48px;
  border-radius: var(--r-pill);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--blue-50);
  color: var(--blue-600);
  font: var(--fw-black) 22px/1 var(--font-display);
  margin-bottom: var(--space-4);
}
.step-card h3 { margin-bottom: var(--space-2); }
.step-card p { color: var(--text-secondary); }

.section-cta { margin-top: var(--space-12); display: flex; justify-content: center; }

/* -------------------------------------------------------------------------
   10. Multi-step quiz
   ------------------------------------------------------------------------- */
.quiz-section { background: var(--blue-50); }

.quiz {
  max-width: var(--quiz-max);
  margin-inline: auto;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-card);
  box-shadow: var(--shadow-card);
  padding: var(--space-6);
}
@media (min-width: 768px) {
  .quiz { padding: var(--space-8); }
}

/* Progress */
.quiz-progress { margin-bottom: var(--space-6); }
.quiz-progress-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: var(--space-2);
}
.quiz-progress-label { font-size: 13px; color: var(--text-muted); font-weight: var(--fw-semibold); }
.quiz-progress-pct   { font-size: 13px; color: var(--blue-600); font-weight: var(--fw-semibold); }
.quiz-progress-track {
  height: 6px;
  background: var(--border);
  border-radius: var(--r-pill);
  overflow: hidden;
}
.quiz-progress-fill {
  height: 100%;
  width: 16.66%;
  background: var(--blue-600);
  border-radius: var(--r-pill);
  transition: width var(--t-step);
}

/* Back link */
.quiz-back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: none;
  border: none;
  color: var(--blue-600);
  font: var(--fw-semibold) 14px/1 var(--font-body);
  padding: 6px 4px;
  margin-bottom: var(--space-3);
  visibility: hidden;   /* hidden on step 1 */
}
.quiz-back:hover { text-decoration: underline; }
.quiz-back:focus-visible { outline: none; box-shadow: var(--ring-blue); border-radius: 6px; }
.quiz-back.is-visible { visibility: visible; }

/* Steps */
.quiz-step { display: none; }
.quiz-step.is-active { display: block; animation: stepIn var(--t-step); }
@keyframes stepIn {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0); }
}

.quiz-question { margin-bottom: var(--space-2); }
.quiz-helper { color: var(--text-muted); font-size: var(--small); margin-bottom: var(--space-5); }
.quiz-options { display: flex; flex-direction: column; gap: var(--space-3); margin-top: var(--space-5); }

/* Option card: whole row is the tap target, native input visually hidden */
.quiz-option {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-3);
  min-height: 56px;
  padding: 0 var(--space-4);
  background: #fff;
  border: 1.5px solid var(--neutral-300);
  border-radius: var(--r-btn);
  cursor: pointer;
  transition: border-color var(--t-fast), background var(--t-fast);
  font-size: 16px;
  font-weight: var(--fw-medium);
  color: var(--text);
}
.quiz-option:hover { border-color: var(--blue-600); background: var(--blue-50); }
.quiz-option input { position: absolute; opacity: 0; width: 0; height: 0; }

/* radio dot */
.quiz-option .dot {
  flex: 0 0 auto;
  width: 22px; height: 22px;
  border-radius: 50%;
  border: 2px solid var(--neutral-300);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: border-color var(--t-fast), background var(--t-fast);
}
.quiz-option .dot::after {
  content: "";
  width: 10px; height: 10px;
  border-radius: 50%;
  background: #fff;
  transform: scale(0);
  transition: transform var(--t-fast);
}
/* selected + keyboard focus states */
.quiz-option:has(input:checked) {
  border: 2px solid var(--blue-600);
  background: var(--blue-100);
}
.quiz-option:has(input:checked) .dot { border-color: var(--blue-600); background: var(--blue-600); }
.quiz-option:has(input:checked) .dot::after { transform: scale(1); }
.quiz-option:has(input:focus-visible) { box-shadow: var(--ring-input); border-color: var(--blue-600); }

/* Fallback for browsers without :has() - JS mirrors state onto .is-selected */
.quiz-option.is-selected {
  border: 2px solid var(--blue-600);
  background: var(--blue-100);
}
.quiz-option.is-selected .dot { border-color: var(--blue-600); background: var(--blue-600); }
.quiz-option.is-selected .dot::after { transform: scale(1); }

/* -------------------------------------------------------------------------
   11. Form fields (contact step)
   ------------------------------------------------------------------------- */
.field { margin-bottom: var(--space-5); }
.field-label {
  display: block;
  font: var(--fw-semibold) 15px/1.3 var(--font-body);
  color: var(--text);
  margin-bottom: var(--space-2);
}
.field-input {
  width: 100%;
  height: 56px;
  padding: 0 16px;
  font: var(--fw-body) 16px/1.4 var(--font-body);
  color: var(--text);
  background: #fff;
  border: 1.5px solid var(--neutral-300);
  border-radius: var(--r-input);
  transition: border-color var(--t-fast), box-shadow var(--t-fast);
}
.field-input::placeholder { color: var(--text-muted); }
.field-input:focus {
  outline: none;
  border-color: var(--blue-600);
  box-shadow: var(--ring-input);
}
.field-input[aria-invalid="true"] { border-color: var(--danger); }
.field-error {
  display: none;
  margin-top: 6px;
  font-size: 13px;
  color: var(--danger);
}
.field-error.is-visible { display: block; }

/* Consent checkbox row (large tap target) */
.consent {
  display: flex;
  gap: var(--space-3);
  align-items: flex-start;
  padding: var(--space-2) 0;
  margin-bottom: var(--space-5);
  min-height: 44px;
}
.consent input {
  flex: 0 0 auto;
  width: 24px; height: 24px;
  margin-top: 2px;
  accent-color: var(--green-600);
  cursor: pointer;
}
.consent label {
  font-size: 13px;
  line-height: 1.5;
  color: var(--text-muted);
  cursor: pointer;
}
.consent a { color: var(--blue-600); text-decoration: underline; }
.consent.is-invalid label { color: var(--danger); }

/* Reassurance line above/near submit */
.quiz-reassure {
  display: flex;
  gap: var(--space-2);
  align-items: flex-start;
  font-size: var(--small);
  color: var(--text-muted);
  margin-bottom: var(--space-5);
}
.quiz-reassure svg { flex: 0 0 auto; color: var(--green-600); margin-top: 2px; }

/* Honeypot: hidden from humans, present for bots. Do not use display:none only;
   keep it off-screen and untabbable. */
.hp-field {
  position: absolute !important;
  left: -9999px !important;
  top: -9999px !important;
  width: 1px; height: 1px;
  overflow: hidden;
  opacity: 0;
}

/* Submit error banner */
.form-banner {
  display: none;
  padding: var(--space-4);
  border-radius: var(--r-btn);
  margin-bottom: var(--space-5);
  font-size: var(--small);
}
.form-banner.is-visible { display: block; }
.form-banner--error { background: var(--danger-bg); color: var(--danger); }

/* Submit spinner state */
.btn-primary.is-loading { position: relative; color: transparent; pointer-events: none; }
.btn-primary.is-loading::after {
  content: "";
  position: absolute;
  width: 20px; height: 20px;
  border: 2.5px solid rgba(255,255,255,.5);
  border-top-color: #fff;
  border-radius: 50%;
  animation: spin 0.7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* -------------------------------------------------------------------------
   12. Quiz success state
   ------------------------------------------------------------------------- */
.quiz-success { display: none; text-align: center; padding: var(--space-4) 0; }
.quiz-success.is-visible { display: block; animation: stepIn var(--t-step); }
.success-badge {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: var(--success-bg);
  color: var(--success);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-5);
}
.quiz-success h3 { margin-bottom: var(--space-3); }
.quiz-success p { color: var(--text-secondary); max-width: 26rem; margin-inline: auto; }
.success-next {
  text-align: left;
  max-width: 26rem;
  margin: var(--space-6) auto 0;
  padding: var(--space-5);
  background: var(--surface);
  border-radius: var(--r-card);
}
.success-next ol { margin: 0; padding-left: 1.2em; color: var(--text-secondary); }
.success-next li { margin-bottom: var(--space-2); }

/* -------------------------------------------------------------------------
   13. FAQ accordion
   ------------------------------------------------------------------------- */
.faq { max-width: var(--measure); margin-inline: auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  min-height: 56px;
  padding: var(--space-4) 0;
  background: none;
  border: none;
  text-align: left;
  font: var(--fw-bold) 17px/1.4 var(--font-display);
  color: var(--text);
}
.faq-q:focus-visible { outline: none; box-shadow: var(--ring-blue); border-radius: 8px; }
.faq-q .chev {
  flex: 0 0 auto;
  color: var(--blue-600);
  transition: transform var(--t-step);
}
.faq-q[aria-expanded="true"] .chev { transform: rotate(180deg); }
.faq-a {
  overflow: hidden;
  max-height: 0;
  transition: max-height var(--t-step);
}
.faq-a-inner {
  padding: 0 0 var(--space-5);
  color: var(--text-secondary);
  font-size: var(--body);
  max-width: 60ch;
}

/* -------------------------------------------------------------------------
   14. Final CTA + footer
   ------------------------------------------------------------------------- */
.final-cta { text-align: center; }
.final-cta h2 { color: #fff; margin-bottom: var(--space-4); }
.final-cta .lede { color: var(--text-on-dark-muted); max-width: 40rem; margin: 0 auto var(--space-8); }
.final-cta .hero-microtrust { justify-content: center; margin: var(--space-5) auto 0; color: var(--text-on-dark-muted); }

.footer {
  background: var(--navy-900);
  color: var(--text-on-dark-muted);
  padding-block: var(--space-16);
  font-size: 13px;
  line-height: 1.6;
}
.footer .container { max-width: 900px; }
.footer p { margin-bottom: var(--space-4); color: var(--text-on-dark-muted); }
.footer strong { color: #fff; }
.footer-brand {
  font: var(--fw-black) 20px/1 var(--font-display);
  color: #fff;
  margin-bottom: var(--space-5);
}
.footer-brand .accent { color: var(--green-500); }
.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3) var(--space-5);
  margin-top: var(--space-6);
  padding-top: var(--space-6);
  border-top: 1px solid rgba(255,255,255,.12);
}
.footer-links a { color: var(--text-on-dark-muted); }
.footer-links a:hover { color: #fff; text-decoration: underline; }
.footer-copy { margin-top: var(--space-5); }

/* -------------------------------------------------------------------------
   15. Sticky mobile CTA (thumb zone)
   ------------------------------------------------------------------------- */
.cta-sticky {
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 90;
  background: #fff;
  border-top: 1px solid var(--border);
  padding: 12px 16px calc(12px + env(safe-area-inset-bottom));
  box-shadow: 0 -4px 20px rgba(10,37,64,.10);
  transform: translateY(120%);
  transition: transform var(--t-step);
}
.cta-sticky.is-visible { transform: translateY(0); }
.cta-sticky .btn { width: 100%; }
@media (min-width: 768px) {
  .cta-sticky { display: none; }   /* mobile only */
}