/* ==========================================================================
   Refund Reward Eligibility Portal - public stylesheet
   Corporate / tax-practice aesthetic: white ground, dark navy structure,
   restrained gold accent, serif headings, system sans for body copy.
   ========================================================================== */

:root {
    --navy-900: #071527;
    --navy-800: #0b1f3a;
    --navy-700: #142e4f;
    --navy-600: #1d3c63;
    --gold-600: #9a7728;
    --gold-500: #b08d43;
    --gold-300: #e0cda1;
    --gold-050: #faf6ec;

    --ink: #16202e;
    --body: #39434f;
    --muted: #6b7684;
    --line: #e2e7ee;
    --line-strong: #c9d2dd;
    --surface: #ffffff;
    --surface-alt: #f6f8fa;
    --surface-navy-tint: #f2f5f9;

    --green-700: #17603c;
    --green-100: #e4f3ea;
    --red-700: #99251f;
    --red-100: #fbeae9;
    --amber-700: #8a6209;
    --amber-100: #fdf3dd;
    --blue-700: #1f4d7a;
    --blue-100: #eaf2fa;

    --radius: 4px;
    --radius-lg: 8px;
    --shadow-sm: 0 1px 2px rgba(11, 31, 58, .06), 0 1px 3px rgba(11, 31, 58, .04);
    --shadow-md: 0 8px 24px rgba(11, 31, 58, .08);
    --shadow-lg: 0 18px 48px rgba(11, 31, 58, .12);

    --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
    --serif: "Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, "Times New Roman", serif;

    --container: 1160px;
    --container-narrow: 760px;
}

/* --------------------------------------------------------------------- */
/* Base                                                                    */
/* --------------------------------------------------------------------- */

*, *::before, *::after { box-sizing: border-box; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }

body {
    margin: 0;
    background: var(--surface);
    color: var(--body);
    font-family: var(--sans);
    font-size: 17px;
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
    font-family: var(--serif);
    color: var(--navy-800);
    line-height: 1.2;
    margin: 0 0 .6em;
    font-weight: 600;
    letter-spacing: -.01em;
}

h1 { font-size: clamp(2rem, 4.4vw, 3.05rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.15rem); }
h3 { font-size: 1.2rem; }

p { margin: 0 0 1.1em; }
p:last-child { margin-bottom: 0; }

a { color: var(--navy-600); text-decoration: underline; text-underline-offset: 2px; }
a:hover { color: var(--gold-600); }

strong { color: var(--ink); font-weight: 650; }

img { max-width: 100%; height: auto; }

hr { border: 0; border-top: 1px solid var(--line); margin: 2.5rem 0; }

::selection { background: var(--gold-300); color: var(--navy-900); }

:focus-visible {
    outline: 3px solid var(--gold-500);
    outline-offset: 2px;
    border-radius: 2px;
}

.sr-only {
    position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
    overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

.skip-link {
    position: absolute; left: -9999px; top: 0; z-index: 100;
    background: var(--navy-800); color: #fff; padding: .75rem 1.25rem;
    text-decoration: none;
}
.skip-link:focus { left: 0; color: #fff; }

.nowrap { white-space: nowrap; }

.container {
    width: 100%;
    max-width: var(--container);
    margin: 0 auto;
    padding-inline: 24px;
}

.container-narrow { max-width: var(--container-narrow); }

/* --------------------------------------------------------------------- */
/* Top disclaimer bar + header                                             */
/* --------------------------------------------------------------------- */

.topbar {
    background: var(--navy-900);
    color: #c6d2e2;
    font-size: .8rem;
    letter-spacing: .01em;
}
.topbar-inner { padding-block: .55rem; text-align: center; }
.topbar-text { display: inline-block; }

.site-header {
    position: sticky;
    top: 0;
    z-index: 40;
    background: rgba(255, 255, 255, .96);
    backdrop-filter: saturate(180%) blur(8px);
    border-bottom: 1px solid var(--line);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1.5rem;
    padding-block: .9rem;
}

.brand {
    display: inline-flex;
    align-items: center;
    gap: .75rem;
    text-decoration: none;
    color: inherit;
}

.brand-mark {
    display: grid;
    place-items: center;
    width: 42px; height: 42px;
    background: var(--navy-800);
    color: var(--gold-300);
    font-family: var(--serif);
    font-size: 1.02rem;
    letter-spacing: .06em;
    border-radius: var(--radius);
    border: 1px solid var(--navy-700);
    flex: none;
}

.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name {
    font-family: var(--serif);
    font-size: 1.16rem;
    color: var(--navy-800);
    font-weight: 600;
}
.brand-sub {
    font-size: .68rem;
    text-transform: uppercase;
    letter-spacing: .14em;
    color: var(--muted);
}

.primary-nav { display: flex; align-items: center; gap: 1.75rem; }
.primary-nav ul {
    display: flex; align-items: center; gap: 1.6rem;
    list-style: none; margin: 0; padding: 0;
}
/* Scoped to the list: the CTA is a .btn and must keep its own colours.
   An unscoped `.primary-nav a` outranks `.btn-primary` and repaints the
   button's label dark-on-dark. */
.primary-nav ul a {
    text-decoration: none;
    color: var(--body);
    font-size: .93rem;
    font-weight: 550;
    padding-block: .35rem;
    border-bottom: 2px solid transparent;
}
.primary-nav ul a:hover,
.primary-nav ul a.is-active { color: var(--navy-800); border-bottom-color: var(--gold-500); }

.primary-nav .nav-cta,
.primary-nav .nav-cta:hover,
.primary-nav .nav-cta:focus { color: #fff; text-decoration: none; }

.nav-toggle {
    display: none;
    width: 44px; height: 40px;
    background: none;
    border: 1px solid var(--line-strong);
    border-radius: var(--radius);
    cursor: pointer;
    position: relative;
}
.nav-toggle-bar,
.nav-toggle-bar::before,
.nav-toggle-bar::after {
    position: absolute; left: 50%; transform: translateX(-50%);
    width: 20px; height: 2px; background: var(--navy-800); content: "";
}
.nav-toggle-bar { top: 50%; margin-top: -1px; }
.nav-toggle-bar::before { top: -6px; }
.nav-toggle-bar::after { top: 6px; }

/* --------------------------------------------------------------------- */
/* Buttons                                                                 */
/* --------------------------------------------------------------------- */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: .5rem;
    font: inherit;
    font-weight: 600;
    font-size: .95rem;
    line-height: 1;
    padding: .85rem 1.55rem;
    border-radius: var(--radius);
    border: 1px solid transparent;
    text-decoration: none;
    cursor: pointer;
    transition: background-color .15s ease, color .15s ease, border-color .15s ease, transform .05s ease;
}
.btn:active { transform: translateY(1px); }

.btn-primary {
    background: var(--navy-800);
    border-color: var(--navy-800);
    color: #fff;
}
.btn-primary:hover { background: var(--navy-700); border-color: var(--navy-700); color: #fff; }

.btn-ghost {
    background: transparent;
    border-color: var(--line-strong);
    color: var(--navy-800);
}
.btn-ghost:hover { border-color: var(--navy-800); color: var(--navy-800); background: var(--surface-navy-tint); }

.btn-gold {
    background: var(--gold-500);
    border-color: var(--gold-500);
    color: #fff;
}
.btn-gold:hover { background: var(--gold-600); border-color: var(--gold-600); color: #fff; }

.btn-text {
    background: none; border: 0; color: var(--muted); padding-inline: .5rem;
    text-decoration: underline;
}
.btn-text:hover { color: var(--navy-800); }

.btn-lg { padding: 1.05rem 2rem; font-size: 1rem; }
.btn-sm { padding: .6rem 1.1rem; font-size: .875rem; }
.btn-block { width: 100%; }

/* --------------------------------------------------------------------- */
/* Hero                                                                    */
/* --------------------------------------------------------------------- */

.hero {
    background:
        radial-gradient(1200px 400px at 85% -10%, rgba(176, 141, 67, .10), transparent 60%),
        linear-gradient(180deg, var(--surface-navy-tint), var(--surface) 78%);
    border-bottom: 1px solid var(--line);
}

.hero-inner {
    display: grid;
    grid-template-columns: 1.35fr .9fr;
    gap: 4rem;
    align-items: center;
    padding-block: clamp(3.5rem, 7vw, 6rem);
}

.eyebrow {
    font-size: .74rem;
    text-transform: uppercase;
    letter-spacing: .18em;
    color: var(--gold-600);
    font-weight: 700;
    margin-bottom: 1rem;
}

.hero h1 { margin-bottom: 1.1rem; }
.hero h1 .accent {
    color: var(--navy-600);
    font-style: italic;
}

.lede {
    font-size: 1.16rem;
    color: var(--body);
    max-width: 52ch;
    margin-bottom: 2rem;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 2.25rem; }

.hero-points {
    list-style: none; margin: 0; padding: 0;
    display: flex; flex-wrap: wrap; gap: 1.5rem;
    font-size: .9rem; color: var(--muted);
}
.hero-points li { display: flex; align-items: center; gap: .5rem; }
.hero-points li::before {
    content: "";
    width: 7px; height: 7px; border-radius: 50%;
    background: var(--gold-500);
    flex: none;
}

.hero-card {
    background: var(--surface);
    border: 1px solid var(--line);
    border-top: 3px solid var(--navy-800);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    padding: 2rem;
}
.hero-card-title {
    font-size: .78rem;
    text-transform: uppercase;
    letter-spacing: .14em;
    color: var(--muted);
    font-family: var(--sans);
    font-weight: 700;
    margin-bottom: 1.25rem;
}
.hero-card-list { margin: 0 0 1.25rem; }
.hero-card-list:last-child { margin-bottom: 0; }
.hero-card-list > div {
    display: flex; justify-content: space-between; gap: 1rem;
    padding: .7rem 0;
    border-bottom: 1px solid var(--line);
}
.hero-card-list > div:last-child { border-bottom: 0; }
.hero-card-list dt { color: var(--muted); font-size: .88rem; }
.hero-card-list dd {
    margin: 0; text-align: right; color: var(--ink);
    font-weight: 600; font-size: .92rem;
}
.hero-card-note {
    font-size: .78rem; color: var(--muted); line-height: 1.5;
    padding-top: 1rem; border-top: 1px solid var(--line);
}

/* --------------------------------------------------------------------- */
/* Trust strip                                                             */
/* --------------------------------------------------------------------- */

.strip { background: var(--navy-800); color: #dbe4f0; }
.strip-inner {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    padding-block: 2.25rem;
}
.strip-item { display: flex; flex-direction: column; gap: .35rem; }
.strip-value {
    font-family: var(--serif);
    font-size: 1.32rem;
    color: var(--gold-300);
}
.strip-label { font-size: .84rem; color: #a9bad0; line-height: 1.45; }

/* --------------------------------------------------------------------- */
/* Sections                                                                */
/* --------------------------------------------------------------------- */

.section { padding-block: clamp(3.5rem, 6.5vw, 5.5rem); }
.section-alt { background: var(--surface-alt); border-block: 1px solid var(--line); }

.section-head { max-width: 62ch; margin: 0 auto clamp(2.5rem, 4vw, 3.5rem); text-align: center; }
.section-head-left { margin-inline: 0; text-align: left; }
.section-lede { font-size: 1.06rem; color: var(--muted); margin-bottom: 0; }

.section-cta {
    margin-top: 3rem;
    text-align: center;
    padding-top: 2.5rem;
    border-top: 1px solid var(--line);
}
.section-cta-note { font-size: .86rem; color: var(--muted); margin-top: 1rem; }

/* Steps ---------------------------------------------------------------- */

.steps {
    list-style: none; margin: 0; padding: 0;
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem;
    counter-reset: step;
}
.step {
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 1.9rem 1.6rem;
    position: relative;
    box-shadow: var(--shadow-sm);
}
.step-number {
    display: inline-block;
    font-family: var(--serif);
    font-size: 1.05rem;
    color: var(--gold-600);
    letter-spacing: .06em;
    margin-bottom: .9rem;
    padding-bottom: .55rem;
    border-bottom: 2px solid var(--gold-300);
}
.step h3 { margin-bottom: .5rem; }
.step p { font-size: .94rem; color: var(--muted); margin: 0; }

/* Cards ---------------------------------------------------------------- */

.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.75rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }

.card {
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 1.9rem;
    box-shadow: var(--shadow-sm);
}
.card h2, .card h3 { margin-bottom: .85rem; }
.card p { font-size: .95rem; color: var(--muted); }
.card-muted { background: var(--surface-alt); box-shadow: none; }
.card-note {
    margin-top: 1.1rem; padding-top: 1.1rem;
    border-top: 1px solid var(--line);
    font-size: .85rem; color: var(--muted);
}

.check-list, .cross-list { list-style: none; margin: 0; padding: 0; }
.check-list li, .cross-list li {
    position: relative;
    padding-left: 1.9rem;
    margin-bottom: .8rem;
    font-size: .95rem;
    color: var(--body);
}
.check-list li:last-child, .cross-list li:last-child { margin-bottom: 0; }
.check-list li::before {
    content: "\2713";
    position: absolute; left: 0; top: -1px;
    color: var(--green-700);
    font-weight: 700;
}
.cross-list li::before {
    content: "\00d7";
    position: absolute; left: .2rem; top: -2px;
    color: var(--red-700);
    font-weight: 700;
    font-size: 1.15rem;
}

/* Notices -------------------------------------------------------------- */

.notice {
    border-radius: var(--radius-lg);
    padding: 1.5rem 1.7rem;
    margin-top: 2rem;
    border: 1px solid transparent;
}
.notice h3 { margin-bottom: .6rem; font-size: 1.05rem; }
.notice p { font-size: .93rem; margin-bottom: 0; }
.notice-warning { background: var(--amber-100); border-color: #f0dcae; color: #5c441a; }
.notice-warning h3 { color: #6b4e14; }
.notice-info { background: var(--blue-100); border-color: #c8ddf1; color: #23405c; }

/* FAQ ------------------------------------------------------------------ */

.faq {
    max-width: 860px;
    margin: 0 auto;
    border-top: 1px solid var(--line-strong);
}
.faq details {
    border-bottom: 1px solid var(--line-strong);
    background: var(--surface);
}
.faq summary {
    cursor: pointer;
    list-style: none;
    padding: 1.35rem 3rem 1.35rem 0;
    font-family: var(--serif);
    font-size: 1.1rem;
    color: var(--navy-800);
    position: relative;
    font-weight: 600;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
    content: "+";
    position: absolute; right: .6rem; top: 50%; transform: translateY(-50%);
    font-size: 1.5rem; color: var(--gold-600); font-family: var(--sans); line-height: 1;
}
.faq details[open] summary::after { content: "\2013"; }
.faq details > p {
    padding: 0 3rem 1.6rem 0;
    margin: 0;
    color: var(--muted);
    font-size: .97rem;
}

/* Contact panel -------------------------------------------------------- */

.contact-panel {
    display: grid;
    grid-template-columns: 1.3fr .8fr;
    gap: 3rem;
    align-items: start;
    background: var(--surface-alt);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: clamp(2rem, 4vw, 3.25rem);
}
.contact-list { margin: 1.75rem 0 0; }
.contact-list > div {
    display: grid;
    grid-template-columns: 180px 1fr;
    gap: 1rem;
    padding: .75rem 0;
    border-top: 1px solid var(--line);
}
.contact-list dt { color: var(--muted); font-size: .88rem; }
.contact-list dd { margin: 0; color: var(--ink); font-size: .94rem; }

.contact-cta {
    background: var(--surface);
    border: 1px solid var(--line);
    border-top: 3px solid var(--gold-500);
    border-radius: var(--radius-lg);
    padding: 2rem;
    box-shadow: var(--shadow-sm);
}
.contact-cta p { font-size: .94rem; color: var(--muted); }
.contact-cta-note { font-size: .8rem; margin-top: 1rem; margin-bottom: 0; text-align: center; }

/* --------------------------------------------------------------------- */
/* Forms                                                                   */
/* --------------------------------------------------------------------- */

.section-form { background: var(--surface-alt); }

.progress {
    display: flex;
    gap: .5rem;
    list-style: none;
    margin: 0 0 2.5rem;
    padding: 0;
    font-size: .82rem;
    color: var(--muted);
    flex-wrap: wrap;
}
.progress li {
    display: flex; align-items: center; gap: .5rem;
    padding: .4rem .9rem .4rem .4rem;
    border-radius: 999px;
    background: var(--surface);
    border: 1px solid var(--line);
}
.progress li span {
    display: grid; place-items: center;
    width: 22px; height: 22px;
    border-radius: 50%;
    background: var(--line);
    color: var(--muted);
    font-size: .72rem; font-weight: 700;
}
.progress li.is-current { color: var(--navy-800); border-color: var(--navy-800); font-weight: 600; }
.progress li.is-current span { background: var(--navy-800); color: #fff; }
.progress li.is-done span { background: var(--green-700); color: #fff; }

.form-card {
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    padding: clamp(1.75rem, 4vw, 2.75rem);
}

.field { margin-bottom: 1.6rem; }
.field label {
    display: block;
    font-weight: 600;
    color: var(--ink);
    font-size: .95rem;
    margin-bottom: .5rem;
}
.req {
    font-weight: 500;
    font-size: .72rem;
    text-transform: uppercase;
    letter-spacing: .1em;
    color: var(--gold-600);
    margin-left: .4rem;
}

input[type="text"],
input[type="email"],
input[type="password"],
input[type="search"],
textarea,
select {
    width: 100%;
    font: inherit;
    font-size: 1rem;
    color: var(--ink);
    background: var(--surface);
    border: 1px solid var(--line-strong);
    border-radius: var(--radius);
    padding: .8rem .9rem;
    transition: border-color .15s ease, box-shadow .15s ease;
}
input:focus, textarea:focus, select:focus {
    border-color: var(--navy-600);
    box-shadow: 0 0 0 3px rgba(29, 60, 99, .12);
    outline: none;
}
textarea { min-height: 130px; resize: vertical; line-height: 1.6; }

.help { font-size: .84rem; color: var(--muted); margin: .5rem 0 0; }

.file-drop {
    position: relative;
    border: 2px dashed var(--line-strong);
    border-radius: var(--radius-lg);
    background: var(--surface-alt);
    padding: 2rem 1.25rem;
    text-align: center;
    transition: border-color .15s ease, background-color .15s ease;
}
.file-drop.is-dragover { border-color: var(--navy-600); background: var(--surface-navy-tint); }
.file-drop.has-file { border-style: solid; border-color: var(--green-700); background: var(--green-100); }
.file-drop input[type="file"] {
    position: absolute; inset: 0;
    width: 100%; height: 100%;
    opacity: 0; cursor: pointer;
}
.file-drop-text { margin: 0; color: var(--muted); font-size: .95rem; }
.file-drop.has-file .file-drop-text { color: var(--green-700); font-weight: 600; }

.field-check { margin-bottom: 1.25rem; }
.check {
    display: flex;
    gap: .75rem;
    align-items: flex-start;
    font-weight: 400 !important;
    font-size: .92rem !important;
    color: var(--body) !important;
    cursor: pointer;
}
.check input[type="checkbox"] {
    width: 18px; height: 18px; margin-top: .2rem; flex: none;
    accent-color: var(--navy-800);
}

.choice-set { border: 0; margin: 0 0 1.5rem; padding: 0; display: grid; gap: 1rem; }
.choice {
    display: flex;
    gap: 1rem;
    align-items: flex-start;
    border: 1px solid var(--line-strong);
    border-radius: var(--radius-lg);
    padding: 1.25rem 1.4rem;
    cursor: pointer;
    background: var(--surface);
    transition: border-color .15s ease, background-color .15s ease;
}
.choice:hover { border-color: var(--navy-600); }
.choice input[type="radio"] {
    width: 20px; height: 20px; margin-top: .15rem; flex: none;
    accent-color: var(--navy-800);
}
.choice:has(input:checked) { border-color: var(--navy-800); background: var(--surface-navy-tint); }
.choice-body { display: flex; flex-direction: column; gap: .3rem; }
.choice-title { font-weight: 650; color: var(--ink); }
.choice-note { font-size: .88rem; color: var(--muted); }

.bank-fields {
    border: 1px solid var(--line);
    border-left: 3px solid var(--gold-500);
    border-radius: var(--radius-lg);
    background: var(--gold-050);
    padding: 1.75rem 1.6rem .5rem;
    margin-bottom: 1.75rem;
}
.bank-fields[hidden] { display: none; }
/* No-JavaScript fallback: reveal the panel whenever "another account" is
   selected. With JavaScript the hidden attribute is toggled directly. */
form:has(#deposit-other-bank:checked) .bank-fields[hidden] { display: block; }
.bank-fields .notice { margin-top: 1rem; margin-bottom: 1.5rem; }

.form-actions {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 1rem;
    margin-top: 2rem;
}

.form-footnote {
    margin-top: 1.5rem;
    padding-top: 1.25rem;
    border-top: 1px solid var(--line);
    font-size: .8rem;
    color: var(--muted);
}

.side-note {
    margin-top: 2rem;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 1.75rem;
}
.side-note h2 { font-size: 1.05rem; margin-bottom: 1rem; }

/* Alerts --------------------------------------------------------------- */

.alert {
    border-radius: var(--radius-lg);
    padding: 1.1rem 1.4rem;
    margin-bottom: 1.75rem;
    font-size: .94rem;
    border: 1px solid transparent;
}
.alert p { margin-bottom: .5rem; }
.alert ul { margin: 0; padding-left: 1.25rem; }
.alert li { margin-bottom: .3rem; }
.alert-error { background: var(--red-100); border-color: #f0c9c6; color: var(--red-700); }
.alert-success { background: var(--green-100); border-color: #bfe0cc; color: var(--green-700); }
.alert-info { background: var(--blue-100); border-color: #c8ddf1; color: var(--blue-700); }

/* Badges --------------------------------------------------------------- */

.badge {
    display: inline-block;
    font-size: .74rem;
    font-weight: 700;
    letter-spacing: .06em;
    text-transform: uppercase;
    padding: .3rem .7rem;
    border-radius: 999px;
    border: 1px solid transparent;
    white-space: nowrap;
}
.badge-pending { background: var(--amber-100); color: var(--amber-700); border-color: #f0dcae; }
.badge-eligible { background: var(--green-100); color: var(--green-700); border-color: #bfe0cc; }
.badge-not-eligible { background: var(--red-100); color: var(--red-700); border-color: #f0c9c6; }

/* Success -------------------------------------------------------------- */

.success-card {
    background: var(--surface);
    border: 1px solid var(--line);
    border-top: 3px solid var(--green-700);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    padding: clamp(1.75rem, 4vw, 3rem);
}
.success-icon {
    display: grid; place-items: center;
    width: 54px; height: 54px;
    border-radius: 50%;
    background: var(--green-100);
    color: var(--green-700);
    font-size: 1.6rem;
    margin-bottom: 1.5rem;
}
.success-lede { font-size: 1.05rem; color: var(--muted); }

.reference {
    background: var(--surface-navy-tint);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 1.6rem;
    margin: 1.75rem 0;
    text-align: center;
}
.reference-label {
    display: block;
    font-size: .74rem;
    text-transform: uppercase;
    letter-spacing: .16em;
    color: var(--muted);
    font-weight: 700;
    margin-bottom: .6rem;
}
.reference-value {
    display: block;
    font-family: ui-monospace, "SFMono-Regular", Menlo, Consolas, monospace;
    font-size: clamp(1.5rem, 4vw, 2rem);
    color: var(--navy-800);
    letter-spacing: .06em;
}
.reference-note { font-size: .82rem; color: var(--muted); margin: .9rem 0 0; }

.summary-list { margin: 0 0 2rem; }
.summary-list > div {
    display: grid;
    grid-template-columns: 220px 1fr;
    gap: 1rem;
    padding: .8rem 0;
    border-bottom: 1px solid var(--line);
}
.summary-list dt { color: var(--muted); font-size: .9rem; }
.summary-list dd { margin: 0; color: var(--ink); font-size: .95rem; }

.next-steps { margin: 0 0 1.5rem; padding-left: 1.3rem; color: var(--body); }
.next-steps li { margin-bottom: .6rem; font-size: .96rem; }

/* Legal pages ---------------------------------------------------------- */

.section-legal { background: var(--surface); }
.legal-body { font-size: 1rem; }
.legal-body h2 {
    font-size: 1.32rem;
    margin-top: 2.5rem;
    padding-top: 1.5rem;
    border-top: 1px solid var(--line);
}
.legal-body h2:first-of-type { border-top: 0; padding-top: 0; margin-top: 1.5rem; }
.legal-body ul { padding-left: 1.3rem; margin-bottom: 1.3rem; }
.legal-body li { margin-bottom: .55rem; }
.legal-body .grid-2 { margin-bottom: 1rem; }
.legal-body .contact-list > div { grid-template-columns: 150px 1fr; }

/* --------------------------------------------------------------------- */
/* Footer                                                                  */
/* --------------------------------------------------------------------- */

.site-footer {
    background: var(--navy-900);
    color: #a9bad0;
    font-size: .9rem;
    padding-block: 3.5rem 2rem;
    margin-top: 0;
}
.footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
    gap: 2.5rem;
    padding-bottom: 2.5rem;
    border-bottom: 1px solid rgba(255, 255, 255, .1);
}
.footer-col h3 {
    color: #fff;
    font-family: var(--sans);
    font-size: .76rem;
    text-transform: uppercase;
    letter-spacing: .14em;
    margin-bottom: 1.1rem;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: .6rem; }
.footer-col a { color: #c6d2e2; text-decoration: none; }
.footer-col a:hover { color: var(--gold-300); text-decoration: underline; }
.footer-brand .brand-mark { margin-bottom: 1rem; }
.footer-company { color: #fff; font-weight: 600; margin-bottom: .5rem; }
.footer-address { font-size: .86rem; line-height: 1.6; margin-bottom: .5rem; color: #93a6bf; }
.footer-note { font-size: .8rem; color: #93a6bf; margin-top: 1rem; line-height: 1.55; }

.footer-disclaimer {
    padding: 1.75rem 0;
    border-bottom: 1px solid rgba(255, 255, 255, .1);
    font-size: .84rem;
    color: #93a6bf;
    line-height: 1.6;
}
.footer-disclaimer strong { color: var(--gold-300); }

.footer-bottom {
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    gap: 1rem;
    padding-top: 1.75rem;
    font-size: .82rem;
    color: #7f93ad;
}
.footer-bottom p { margin: 0; }
.footer-bottom a { color: #7f93ad; }
.footer-bottom a:hover { color: var(--gold-300); }

/* --------------------------------------------------------------------- */
/* Reward estimator                                                        */
/* --------------------------------------------------------------------- */

.calc-shell {
    max-width: 720px;
    margin: 0 auto;
    background: var(--surface);
    border: 1px solid var(--line);
    border-top: 3px solid var(--gold-500);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    padding: clamp(1.75rem, 4vw, 2.5rem);
}

.calc-form { margin-bottom: 1.25rem; }

.input-money { position: relative; display: block; }
.input-money-symbol {
    position: absolute;
    left: .9rem; top: 50%;
    transform: translateY(-50%);
    color: var(--muted);
    font-size: 1.05rem;
    pointer-events: none;
}
.input-money input {
    padding-left: 2rem;
    font-size: 1.15rem;
    font-variant-numeric: tabular-nums;
}

.calc-error {
    margin: .75rem 0 0;
    font-size: .88rem;
    color: var(--red-700);
}

.calc-result {
    display: none;
    text-align: center;
    background: var(--surface-navy-tint);
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    padding: 1.5rem;
    margin-bottom: 1.5rem;
}
.calc-result.is-shown { display: block; }
.calc-result-label {
    display: block;
    font-size: .74rem;
    text-transform: uppercase;
    letter-spacing: .16em;
    font-weight: 700;
    color: var(--muted);
    margin-bottom: .5rem;
}
.calc-result-value {
    display: block;
    font-family: var(--serif);
    font-size: clamp(2rem, 6vw, 2.75rem);
    color: var(--navy-800);
    line-height: 1.1;
    font-variant-numeric: tabular-nums;
}
.calc-result-basis {
    display: block;
    margin-top: .5rem;
    font-size: .86rem;
    color: var(--muted);
}

.calc-disclaimer {
    border-top: 1px solid var(--line);
    padding-top: 1.25rem;
    font-size: .82rem;
    color: var(--muted);
    line-height: 1.6;
}
.calc-disclaimer p { margin-bottom: .7rem; }
.calc-disclaimer p:last-child { margin-bottom: 0; }
.calc-disclaimer strong { color: var(--ink); }

/* Confirmed reward, shown on the payout page ---------------------------- */

.reward-banner {
    background: var(--navy-800);
    color: #fff;
    border-radius: var(--radius-lg);
    padding: 1.6rem 1.75rem;
    margin-bottom: 1.75rem;
    text-align: center;
}
.reward-banner-label {
    display: block;
    font-size: .72rem;
    text-transform: uppercase;
    letter-spacing: .16em;
    font-weight: 700;
    color: var(--gold-300);
    margin-bottom: .4rem;
}
.reward-banner-value {
    display: block;
    font-family: var(--serif);
    font-size: clamp(1.9rem, 5vw, 2.5rem);
    line-height: 1.1;
    font-variant-numeric: tabular-nums;
}
.reward-banner-basis {
    display: block;
    margin-top: .5rem;
    font-size: .84rem;
    color: #a9bad0;
}

.card-lead { color: var(--ink) !important; font-weight: 550; }

/* --------------------------------------------------------------------- */
/* Responsive                                                              */
/* --------------------------------------------------------------------- */

@media (max-width: 1040px) {
    .steps { grid-template-columns: repeat(2, 1fr); }
    .grid-3 { grid-template-columns: repeat(2, 1fr); }
    .strip-inner { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
    .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
    .hero-inner { grid-template-columns: 1fr; gap: 2.5rem; }
    .contact-panel { grid-template-columns: 1fr; gap: 2rem; }
}

@media (max-width: 780px) {
    body { font-size: 16px; }

    .nav-toggle { display: block; }

    .primary-nav {
        display: none;
        position: absolute;
        left: 0; right: 0; top: 100%;
        flex-direction: column;
        align-items: stretch;
        gap: 0;
        background: var(--surface);
        border-bottom: 1px solid var(--line);
        box-shadow: var(--shadow-lg);
        padding: .5rem 24px 1.25rem;
    }
    .primary-nav.is-open { display: flex; }
    .primary-nav ul { flex-direction: column; align-items: stretch; gap: 0; }
    .primary-nav li { border-bottom: 1px solid var(--line); }
    .primary-nav ul a { display: block; padding: .95rem 0; border-bottom: 0; }
    .nav-cta { margin-top: 1rem; }

    .site-header { position: relative; }
    .header-inner { position: relative; }

    .grid-2, .grid-3, .steps { grid-template-columns: 1fr; }
    .contact-list > div,
    .summary-list > div,
    .legal-body .contact-list > div { grid-template-columns: 1fr; gap: .25rem; }
    .hero-card-list > div { flex-direction: column; gap: .15rem; }
    .hero-card-list dd { text-align: left; }

    .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
    .btn { width: 100%; }
    .btn-text, .nav-cta { width: auto; }
    .form-actions { flex-direction: column; align-items: stretch; }
    .faq summary { font-size: 1.02rem; padding-right: 2.25rem; }
    .faq details > p { padding-right: 0; }
}

@media (max-width: 480px) {
    .container { padding-inline: 18px; }
    .primary-nav { padding-inline: 18px; }
    .topbar-text { font-size: .75rem; }
}

@media print {
    .topbar, .site-header, .site-footer, .hero-actions, .form-actions, .progress { display: none !important; }
    body { font-size: 12pt; color: #000; }
    a { color: #000; text-decoration: none; }
}

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