/* ============================================
   FTO-Union - Stripe-inspired design system
   ============================================ */

:root {
  --navy: #1a2b4b;
  --navy-dark: #0f1a2e;
  --navy-light: #2d4a7c;
  --gold: #c5a059;
  --gold-light: #d4b87a;
  --gold-dark: #a8863f;
  --white: #ffffff;
  --gray-50: #f6f9fc;
  --gray-100: #e3e8ee;
  --gray-200: #c1c9d2;
  --gray-400: #697386;
  --gray-600: #425466;
  --gray-900: #0a2540;
  --shadow-sm: 0 2px 5px rgba(0, 0, 0, 0.04), 0 1px 2px rgba(0, 0, 0, 0.06);
  --shadow-md: 0 4px 12px rgba(0, 0, 0, 0.06), 0 2px 4px rgba(0, 0, 0, 0.04);
  --shadow-lg: 0 13px 27px -5px rgba(50, 50, 93, 0.15), 0 8px 16px -8px rgba(0, 0, 0, 0.2);
  --shadow-xl: 0 30px 60px -12px rgba(50, 50, 93, 0.2), 0 18px 36px -18px rgba(0, 0, 0, 0.22);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-full: 9999px;
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-serif: "Playfair Display", Georgia, serif;
  --transition: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  --max-width: 1200px;
  --header-height: 72px;
  --audit-green: #059669;
  --audit-amber: #d97706;
  --audit-red: #dc2626;
}

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-600);
  background: var(--white);
  overflow-x: hidden;
}

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

a {
  color: inherit;
  text-decoration: none;
  transition: color var(--transition);
}

ul {
  list-style: none;
}

/* ---- Typography ---- */

h1, h2, h3, h4 {
  color: var(--gray-900);
  line-height: 1.2;
  font-weight: 600;
}

h1 {
  font-family: var(--font-serif);
  font-size: clamp(2.5rem, 5vw, 3.75rem);
  font-weight: 700;
  letter-spacing: -0.02em;
}

h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.75rem, 3.5vw, 2.5rem);
  letter-spacing: -0.01em;
}

h3 {
  font-size: 1.25rem;
  font-weight: 600;
}

p {
  max-width: 65ch;
}

.text-gradient {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 50%, var(--gold) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.eyebrow {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1rem;
}

.section-subtitle {
  font-size: 1.125rem;
  color: var(--gray-400);
  margin-top: 1rem;
  max-width: 560px;
}

.section-subtitle--center {
  margin-left: auto;
  margin-right: auto;
}

/* ---- Layout ---- */

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section {
  padding: 6rem 0;
}

.section--gray {
  background: var(--gray-50);
}

.section-header {
  text-align: center;
  margin-bottom: 4rem;
}

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

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.5rem;
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  font-weight: 500;
  border-radius: var(--radius-full);
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
}

.btn--primary {
  background: var(--navy);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}

.btn--primary:hover {
  background: var(--navy-dark);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn--gold {
  background: var(--gold);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}

.btn--gold:hover {
  background: var(--gold-dark);
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn--outline {
  background: transparent;
  color: var(--navy);
  border: 1.5px solid var(--gray-100);
}

.btn--outline:hover {
  border-color: var(--navy);
  background: var(--gray-50);
}

.btn--outline-light {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255, 255, 255, 0.3);
}

.btn--outline-light:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.5);
}

.btn--lg {
  padding: 0.875rem 2rem;
  font-size: 1rem;
}

.btn-group {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}

/* ---- Header / Navigation ---- */

.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--header-height);
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: border-color var(--transition), box-shadow var(--transition);
}

.header--scrolled {
  border-bottom-color: var(--gray-100);
  box-shadow: var(--shadow-sm);
}

.header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: 1.25rem;
  min-width: 0;
}

.header__logo {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  flex-shrink: 0;
  min-width: 0;
}

.header__logo img {
  height: 44px;
  width: auto;
  flex-shrink: 0;
}

.header__logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
  min-width: 0;
}

.header__logo-name {
  font-family: var(--font-serif);
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--navy);
  white-space: nowrap;
}

.header__logo-tagline {
  font-size: 0.625rem;
  color: var(--gray-400);
  letter-spacing: 0.02em;
  white-space: nowrap;
}

.nav {
  display: flex;
  align-items: center;
  gap: 0.125rem;
  flex: 1;
  justify-content: center;
  min-width: 0;
}

.nav__link {
  padding: 0.4375rem 0.625rem;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--gray-600);
  border-radius: var(--radius-sm);
  transition: color var(--transition), background var(--transition);
  white-space: nowrap;
  line-height: 1.2;
}

.nav__link:hover,
.nav__link--active {
  color: var(--navy);
  background: var(--gray-50);
}

.header__actions {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  flex-shrink: 0;
}

.header__actions .btn {
  white-space: nowrap;
  padding: 0.5625rem 1rem;
  font-size: 0.8125rem;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  border-radius: var(--radius-sm);
}

.nav-toggle span {
  display: block;
  width: 100%;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all var(--transition);
}

.nav-toggle--open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle--open span:nth-child(2) {
  opacity: 0;
}

.nav-toggle--open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

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

.hero {
  position: relative;
  padding: calc(var(--header-height) + 5rem) 0 6rem;
  overflow: hidden;
}

.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
  background:
    radial-gradient(ellipse 80% 60% at 50% -20%, rgba(26, 43, 75, 0.08) 0%, transparent 70%),
    radial-gradient(ellipse 60% 50% at 90% 50%, rgba(197, 160, 89, 0.06) 0%, transparent 60%),
    radial-gradient(ellipse 50% 40% at 10% 80%, rgba(26, 43, 75, 0.05) 0%, transparent 50%),
    var(--white);
}

.hero__grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.hero__content {
  max-width: 560px;
}

.hero__title {
  margin-bottom: 1.5rem;
}

.hero__description {
  font-size: 1.1875rem;
  line-height: 1.7;
  color: var(--gray-400);
  margin-bottom: 2rem;
}

.hero__actions {
  margin-bottom: 3rem;
}

.hero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
  padding-top: 2rem;
  border-top: 1px solid var(--gray-100);
}

.hero__trust-item {
  display: flex;
  flex-direction: column;
}

.hero__trust-value {
  font-family: var(--font-serif);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--navy);
}

.hero__trust-label {
  font-size: 0.8125rem;
  color: var(--gray-400);
}

.hero__visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
}

.hero__card {
  position: relative;
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-xl);
  padding: 2rem;
  border: 1px solid var(--gray-100);
  width: 100%;
  max-width: 440px;
}

.hero__card-header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1.5rem;
  padding-bottom: 1rem;
  border-bottom: 1px solid var(--gray-100);
}

.hero__card-icon {
  width: 40px;
  height: 40px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
}

.hero__card-title {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--gray-900);
}

.hero__card-subtitle {
  font-size: 0.75rem;
  color: var(--gray-400);
}

.hero__card-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--gray-50);
}

.hero__card-row:last-child {
  border-bottom: none;
}

.hero__card-label {
  font-size: 0.8125rem;
  color: var(--gray-400);
}

.hero__card-value {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--gray-900);
}

.hero__card-value--success {
  color: #059669;
}

.hero__card-value--warning {
  color: #d97706;
}

.hero__badge {
  position: absolute;
  top: -12px;
  right: -12px;
  background: var(--gold);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 0.375rem 0.875rem;
  border-radius: var(--radius-full);
  box-shadow: var(--shadow-md);
}

.hero__logo-float {
  position: absolute;
  bottom: -2rem;
  left: -2rem;
  width: 120px;
  opacity: 0.15;
  pointer-events: none;
}

/* ---- Features Grid ---- */

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

.feature-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 2rem;
  transition: all var(--transition);
}

.feature-card:hover {
  border-color: transparent;
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.feature-card__icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, rgba(26, 43, 75, 0.08), rgba(197, 160, 89, 0.12));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  color: var(--navy);
}

.feature-card__title {
  margin-bottom: 0.75rem;
}

.feature-card__text {
  font-size: 0.9375rem;
  color: var(--gray-400);
  line-height: 1.65;
}

.feature-card__link {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  margin-top: 1.25rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
}

.feature-card__link:hover {
  color: var(--gold);
}

.feature-card__link svg {
  transition: transform var(--transition);
}

.feature-card__link:hover svg {
  transform: translateX(3px);
}

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

.process-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  counter-reset: step;
}

.process-step {
  position: relative;
  text-align: center;
  padding: 0 1rem;
}

.process-step::before {
  counter-increment: step;
  content: counter(step);
  display: flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  margin: 0 auto 1.25rem;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-serif);
  font-size: 1.25rem;
  font-weight: 700;
  border-radius: 50%;
}

.process-step__title {
  margin-bottom: 0.5rem;
}

.process-step__text {
  font-size: 0.875rem;
  color: var(--gray-400);
}

/* ---- Split Section ---- */

.split-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.split-section__content h2 {
  margin-bottom: 1rem;
}

.split-section__content p {
  margin-bottom: 1.5rem;
  color: var(--gray-400);
}

.check-list {
  display: flex;
  flex-direction: column;
  gap: 0.875rem;
  margin-bottom: 2rem;
}

.check-list__item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.9375rem;
  color: var(--gray-600);
}

.check-list__icon {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  background: rgba(5, 150, 105, 0.1);
  color: #059669;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 2px;
}

.split-section__visual {
  position: relative;
}

.glass-card {
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.8);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  padding: 2.5rem;
}

.glass-card__stat {
  display: flex;
  align-items: baseline;
  gap: 0.5rem;
  margin-bottom: 0.5rem;
}

.glass-card__number {
  font-family: var(--font-serif);
  font-size: 3rem;
  font-weight: 700;
  color: var(--navy);
}

.glass-card__unit {
  font-size: 1.25rem;
  color: var(--gold);
  font-weight: 600;
}

.glass-card__label {
  font-size: 0.9375rem;
  color: var(--gray-400);
  margin-bottom: 2rem;
}

.glass-card__bar {
  height: 8px;
  background: var(--gray-100);
  border-radius: var(--radius-full);
  overflow: hidden;
  margin-bottom: 0.5rem;
}

.glass-card__bar-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  border-radius: var(--radius-full);
  transition: width 1.5s ease-out;
}

.glass-card__bar-label {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--gray-400);
}

/* ---- Testimonials / Trust ---- */

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

.trust-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 2rem;
}

.trust-card__icon {
  width: 40px;
  height: 40px;
  color: var(--gold);
  margin-bottom: 1rem;
}

.trust-card__quote {
  font-size: 0.9375rem;
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 1.5rem;
  font-style: italic;
}

.trust-card__author {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--gray-900);
}

.trust-card__role {
  font-size: 0.75rem;
  color: var(--gray-400);
}

/* ---- CTA Banner ---- */

.cta-banner {
  position: relative;
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 50%, var(--navy-light) 100%);
  border-radius: var(--radius-lg);
  padding: 4rem;
  overflow: hidden;
  text-align: center;
}

.cta-banner__bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 20% 50%, rgba(197, 160, 89, 0.15) 0%, transparent 50%),
    radial-gradient(circle at 80% 50%, rgba(255, 255, 255, 0.05) 0%, transparent 40%);
  pointer-events: none;
}

.cta-banner__content {
  position: relative;
  z-index: 1;
}

.cta-banner h2 {
  color: var(--white);
  margin-bottom: 1rem;
}

.cta-banner p {
  color: rgba(255, 255, 255, 0.7);
  margin: 0 auto 2rem;
  max-width: 520px;
}

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

.footer {
  background: var(--navy-dark);
  color: rgba(255, 255, 255, 0.7);
  padding: 4rem 0 2rem;
}

.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem;
  margin-bottom: 3rem;
}

.footer__brand img {
  display: block;
  height: 110px;
  width: auto;
  margin-bottom: 1.25rem;
}

.footer__brand p {
  font-size: 0.875rem;
  line-height: 1.7;
  max-width: 320px;
}

.footer__heading {
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.25rem;
}

.footer__links {
  display: flex;
  flex-direction: column;
  gap: 0.625rem;
}

.footer__link {
  font-size: 0.875rem;
  transition: color var(--transition);
}

.footer__link:hover {
  color: var(--white);
}

.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 2rem;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.8125rem;
}

.footer__legal {
  display: flex;
  gap: 1.5rem;
}

.footer__legal a:hover {
  color: var(--white);
}

/* ---- Animations ---- */

/* Visible by default; JS adds html.js to enable scroll-reveal */
.fade-in {
  opacity: 1;
  transform: none;
}

html.js .fade-in:not(.fade-in--visible) {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.fade-in--visible {
  opacity: 1;
  transform: translateY(0);
}

/* Legal pages must always show full policy text */
.page-hero--legal .fade-in,
.legal-content.fade-in {
  opacity: 1;
  transform: none;
}

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

@media (max-width: 1280px) {
  .header__logo-tagline {
    display: none;
  }

  .header__actions .btn--outline {
    display: none;
  }
}

@media (max-width: 1024px) {
  .features-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

  .trust-grid {
    grid-template-columns: 1fr;
  }

  .footer__grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 1100px) {
  .nav {
    display: none;
    position: fixed;
    top: var(--header-height);
    left: 0;
    right: 0;
    bottom: 0;
    flex: none;
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    padding: 1.5rem;
    background: var(--white);
    border-top: 1px solid var(--gray-100);
    overflow-y: auto;
    gap: 0.25rem;
  }

  .nav--open {
    display: flex;
  }

  .nav__link {
    padding: 0.875rem 1rem;
    font-size: 1rem;
    white-space: normal;
  }

  .nav-toggle {
    display: flex;
  }
}

@media (max-width: 768px) {
  .section {
    padding: 4rem 0;
  }

  .hero__grid,
  .split-section {
    grid-template-columns: 1fr;
    gap: 3rem;
  }

  .hero__visual {
    order: -1;
  }

  .hero__card {
    max-width: 100%;
  }

  .features-grid {
    grid-template-columns: 1fr;
  }

  .process-grid {
    grid-template-columns: 1fr;
  }

  .footer__grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .footer__bottom {
    flex-direction: column;
    gap: 1rem;
    text-align: center;
  }

  .cta-banner {
    padding: 2.5rem 1.5rem;
  }
}

@media (max-width: 480px) {
  .header__logo-text {
    display: none;
  }

  .hero__trust {
    gap: 1.5rem;
  }

  .btn-group {
    flex-direction: column;
    align-items: stretch;
  }

  .btn-group .btn {
    width: 100%;
  }
}

/* ============================================
   Page Hero (inner pages)
   ============================================ */

.page-hero {
  position: relative;
  padding: calc(var(--header-height) + 4rem) 0 4rem;
  overflow: hidden;
}

.page-hero__bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 60% at 50% -10%, rgba(26, 43, 75, 0.07) 0%, transparent 65%),
    var(--white);
}

.page-hero__content {
  position: relative;
  z-index: 1;
  max-width: 720px;
}

.page-hero h1 {
  margin-bottom: 1rem;
}

.page-hero__description {
  font-size: 1.125rem;
  color: var(--gray-400);
  line-height: 1.7;
}

/* ============================================
   Regulations Listing
   ============================================ */

.regulations-section {
  padding-top: 3rem;
}

.regulations-toolbar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1.5rem;
}

.regulations-search-wrap {
  position: relative;
  flex: 1;
  min-width: 260px;
  max-width: 480px;
}

.regulations-search-icon {
  position: absolute;
  left: 1rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gray-400);
  pointer-events: none;
}

.regulations-search {
  width: 100%;
  padding: 0.75rem 1rem 0.75rem 2.75rem;
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-full);
  background: var(--white);
  color: var(--gray-900);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.regulations-search:focus {
  outline: none;
  border-color: var(--navy-light);
  box-shadow: 0 0 0 3px rgba(26, 43, 75, 0.08);
}

.regulations-count {
  font-size: 0.875rem;
  color: var(--gray-400);
  font-weight: 500;
}

.regulation-filters {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 2rem;
}

.filter-btn {
  padding: 0.5rem 1rem;
  font-family: var(--font-sans);
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--gray-600);
  background: var(--white);
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: all var(--transition);
}

.filter-btn:hover {
  border-color: var(--navy-light);
  color: var(--navy);
}

.filter-btn--active {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}

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

.regulation-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  transition: all var(--transition);
  text-decoration: none;
}

.regulation-card:hover {
  border-color: transparent;
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.regulation-card__header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.regulation-card__flag {
  width: 40px;
  height: 30px;
  object-fit: cover;
  border-radius: 3px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-100);
}

.regulation-card__country {
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--gray-400);
}

.regulation-card__title {
  font-family: var(--font-serif);
  font-size: 1.375rem;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.regulation-card__full-name {
  font-size: 0.8125rem;
  color: var(--gold-dark);
  font-weight: 500;
  margin-bottom: 0.75rem;
}

.regulation-card__text {
  font-size: 0.9375rem;
  color: var(--gray-400);
  line-height: 1.65;
  flex: 1;
}

.regulation-card__region {
  display: inline-block;
  margin-top: 1rem;
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gray-400);
  background: var(--gray-50);
  padding: 0.25rem 0.625rem;
  border-radius: var(--radius-full);
}

.regulation-card__link {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  margin-top: 1.25rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
}

.regulation-card:hover .regulation-card__link {
  color: var(--gold);
}

.regulation-card__link svg {
  transition: transform var(--transition);
}

.regulation-card:hover .regulation-card__link svg {
  transform: translateX(3px);
}

.regulations-loading,
.regulations-empty {
  grid-column: 1 / -1;
  text-align: center;
  padding: 3rem;
  color: var(--gray-400);
  font-size: 1rem;
}

/* ============================================
   Regulation Detail Page
   ============================================ */

.regulation-detail-section {
  padding-top: calc(var(--header-height) + 2rem);
}

.breadcrumb {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.875rem;
  color: var(--gray-400);
  margin-bottom: 2rem;
}

.breadcrumb a {
  color: var(--navy);
  font-weight: 500;
}

.breadcrumb a:hover {
  color: var(--gold);
}

.regulation-detail__header {
  display: flex;
  align-items: flex-start;
  gap: 1.5rem;
  margin-bottom: 3rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--gray-100);
}

.regulation-detail__flag {
  width: 56px;
  height: 42px;
  object-fit: cover;
  border-radius: 4px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-100);
  flex-shrink: 0;
}

.regulation-detail__title {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 2.75rem);
  color: var(--navy);
  margin-bottom: 0.375rem;
}

.regulation-detail__subtitle {
  font-size: 1.0625rem;
  color: var(--gray-400);
}

.regulation-detail__grid {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 3rem;
  align-items: start;
}

.regulation-block {
  margin-bottom: 2.5rem;
}

.regulation-block h2 {
  font-family: var(--font-serif);
  font-size: 1.375rem;
  margin-bottom: 1rem;
  color: var(--navy);
}

.regulation-block p {
  color: var(--gray-600);
  line-height: 1.75;
}

.regulation-detail__sidebar {
  position: sticky;
  top: calc(var(--header-height) + 1.5rem);
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.regulation-sidebar-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.5rem;
}

.regulation-sidebar-card h3 {
  font-size: 1rem;
  margin-bottom: 0.625rem;
  color: var(--gray-900);
}

.regulation-sidebar-card p {
  font-size: 0.875rem;
  color: var(--gray-400);
  margin-bottom: 1rem;
  line-height: 1.6;
}

.regulation-sidebar-card .btn {
  width: 100%;
}

.regulation-sidebar-card--muted {
  background: var(--white);
}

.regulation-sidebar-link {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
  padding: 0.375rem 0;
  transition: color var(--transition);
}

.regulation-sidebar-link:hover {
  color: var(--gold);
}

.regulation-not-found {
  text-align: center;
  padding: 4rem 0;
}

.regulation-not-found h1 {
  margin-bottom: 1rem;
}

.regulation-not-found p {
  color: var(--gray-400);
  margin: 0 auto 2rem;
}

@media (max-width: 1024px) {
  .regulations-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .regulation-detail__grid {
    grid-template-columns: 1fr;
  }

  .regulation-detail__sidebar {
    position: static;
  }
}

@media (max-width: 768px) {
  .regulations-grid {
    grid-template-columns: 1fr;
  }

  .regulation-detail__header {
    flex-direction: column;
  }
}

/* ============================================
   Complaints Form
   ============================================ */

.complaints-section {
  padding-top: 2rem;
}

.complaints-layout {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 2.5rem;
  align-items: start;
}

.complaints-sidebar {
  position: sticky;
  top: calc(var(--header-height) + 1.5rem);
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.complaints-trust-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.5rem;
}

.complaints-trust-card--muted {
  background: var(--gray-50);
}

.complaints-trust-card__icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, rgba(26, 43, 75, 0.08), rgba(197, 160, 89, 0.12));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  margin-bottom: 1rem;
}

.complaints-trust-card h3 {
  font-size: 1rem;
  margin-bottom: 0.5rem;
  color: var(--gray-900);
}

.complaints-trust-card p {
  font-size: 0.875rem;
  color: var(--gray-400);
  line-height: 1.65;
  margin-bottom: 0;
}

.complaints-trust-card .btn {
  width: 100%;
  margin-top: 1rem;
}

.complaints-tips {
  list-style: none;
  margin-top: 0.75rem;
}

.complaints-tips li {
  position: relative;
  padding-left: 1.125rem;
  font-size: 0.8125rem;
  color: var(--gray-600);
  margin-bottom: 0.5rem;
  line-height: 1.5;
}

.complaints-tips li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.5em;
  width: 5px;
  height: 5px;
  background: var(--gold);
  border-radius: 50%;
}

.complaint-form {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
}

.form-section {
  border: none;
  margin: 0 0 2.5rem;
  padding: 0 0 2.5rem;
  border-bottom: 1px solid var(--gray-100);
}

.form-section--last {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}

.form-section__title {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--navy);
  margin-bottom: 1.25rem;
  padding: 0;
  width: 100%;
}

.form-section__hint {
  font-size: 0.875rem;
  color: var(--gray-400);
  margin: -0.75rem 0 1.25rem;
}

.form-row {
  display: grid;
  gap: 1.25rem;
  margin-bottom: 1.25rem;
}

.form-row--2 {
  grid-template-columns: 1fr 1fr;
}

.form-row--3 {
  grid-template-columns: 1fr 1fr 1fr;
}

.form-row:last-child {
  margin-bottom: 0;
}

.form-field {
  display: flex;
  flex-direction: column;
  gap: 0.375rem;
}

.form-field label {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--gray-900);
}

.required {
  color: #dc2626;
}

.form-field input,
.form-field select,
.form-field textarea {
  font-family: var(--font-sans);
  font-size: 0.9375rem;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-sm);
  background: var(--white);
  color: var(--gray-900);
  transition: border-color var(--transition), box-shadow var(--transition);
  width: 100%;
}

.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--navy-light);
  box-shadow: 0 0 0 3px rgba(26, 43, 75, 0.08);
}

.form-field input::placeholder,
.form-field textarea::placeholder {
  color: var(--gray-200);
}

.form-field textarea {
  resize: vertical;
  min-height: 140px;
  line-height: 1.6;
}

.form-error {
  font-size: 0.8125rem;
  color: #dc2626;
  min-height: 0;
}

.form-error--visible {
  min-height: 1.25rem;
}

.form-checkbox {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  margin-bottom: 1rem;
}

.form-checkbox input[type="checkbox"] {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 3px;
  accent-color: var(--navy);
  cursor: pointer;
}

.form-checkbox label {
  font-size: 0.875rem;
  color: var(--gray-600);
  line-height: 1.6;
  cursor: pointer;
}

.form-actions {
  margin-top: 2rem;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 0.75rem;
}

.form-actions__note {
  display: flex;
  align-items: center;
  gap: 0.375rem;
  font-size: 0.8125rem;
  color: var(--gray-400);
}

.submit-btn__loading {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.spinner {
  animation: spin 1s linear infinite;
}

@keyframes spin {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}

/* Upload zones */

.upload-zone {
  margin-bottom: 1.25rem;
}

.upload-zone__drop {
  border: 2px dashed var(--gray-100);
  border-radius: var(--radius-md);
  padding: 2rem 1.5rem;
  text-align: center;
  cursor: pointer;
  transition: all var(--transition);
  background: var(--gray-50);
}

.upload-zone__drop:hover,
.upload-zone__drop:focus {
  border-color: var(--gold);
  background: rgba(197, 160, 89, 0.04);
  outline: none;
}

.upload-zone__drop--active {
  border-color: var(--navy);
  background: rgba(26, 43, 75, 0.04);
  transform: scale(1.01);
}

.upload-zone__icon {
  color: var(--gray-400);
  margin-bottom: 0.75rem;
}

.upload-zone__drop:hover .upload-zone__icon,
.upload-zone__drop--active .upload-zone__icon {
  color: var(--gold);
}

.upload-zone__title {
  font-weight: 600;
  font-size: 0.9375rem;
  color: var(--gray-900);
  margin-bottom: 0.25rem;
}

.upload-zone__text {
  font-size: 0.875rem;
  color: var(--gray-400);
  margin-bottom: 0.25rem;
}

.upload-zone__browse {
  color: var(--navy);
  font-weight: 500;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.upload-zone__hint {
  font-size: 0.75rem;
  color: var(--gray-200);
}

.upload-zone__files {
  list-style: none;
  margin-top: 0.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.upload-file {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.625rem 0.875rem;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-sm);
}

.upload-file__thumb {
  width: 40px;
  height: 40px;
  object-fit: cover;
  border-radius: 4px;
  border: 1px solid var(--gray-100);
  flex-shrink: 0;
}

.upload-file__icon {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gray-50);
  border-radius: 4px;
  color: var(--navy);
  flex-shrink: 0;
}

.upload-file__info {
  flex: 1;
  min-width: 0;
}

.upload-file__name {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--gray-900);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.upload-file__size {
  font-size: 0.75rem;
  color: var(--gray-400);
}

.upload-file__remove {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: none;
  border: none;
  border-radius: var(--radius-sm);
  color: var(--gray-400);
  cursor: pointer;
  transition: all var(--transition);
}

.upload-file__remove:hover {
  background: #fef2f2;
  color: #dc2626;
}

.upload-summary {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
  margin-top: 0.5rem;
}

/* Success state */

.complaint-success {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 3rem 2.5rem;
  text-align: center;
  box-shadow: var(--shadow-md);
}

.complaint-success__icon {
  width: 72px;
  height: 72px;
  margin: 0 auto 1.5rem;
  background: rgba(5, 150, 105, 0.1);
  color: #059669;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.complaint-success h2 {
  font-family: var(--font-serif);
  margin-bottom: 0.75rem;
}

.complaint-success > p {
  color: var(--gray-400);
  margin: 0 auto 1.5rem;
  max-width: 480px;
}

.complaint-success__ref {
  display: inline-flex;
  flex-direction: column;
  gap: 0.25rem;
  background: var(--gray-50);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1rem 2rem;
  margin-bottom: 1rem;
}

.complaint-success__ref-label {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gray-400);
}

.complaint-success__ref strong {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--navy);
}

.complaint-success__note {
  font-size: 0.8125rem !important;
  margin-bottom: 2rem !important;
}

.complaint-success .btn-group {
  justify-content: center;
}

@media (max-width: 1024px) {
  .complaints-layout {
    grid-template-columns: 1fr;
  }

  .complaints-sidebar {
    position: static;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1rem;
  }
}

@media (max-width: 768px) {
  .complaint-form {
    padding: 1.5rem;
  }

  .form-row--2,
  .form-row--3 {
    grid-template-columns: 1fr;
  }

  .complaints-sidebar {
    grid-template-columns: 1fr;
  }
}

/* ============================================
   About Us Page
   ============================================ */

.page-hero--about {
  padding-bottom: 3rem;
}

.about-logo-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
  text-align: center;
}

.about-logo-card__img {
  width: 140px;
  margin: 0 auto 1.5rem;
  border-radius: var(--radius-sm);
}

.about-logo-card__quote {
  font-family: var(--font-serif);
  font-size: 1.0625rem;
  font-style: italic;
  color: var(--gray-600);
  line-height: 1.75;
  margin-bottom: 1rem;
}

.about-logo-card__cite {
  font-size: 0.8125rem;
  color: var(--gold-dark);
  font-weight: 500;
  font-style: normal;
}

.expertise-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  align-items: stretch;
}

.expertise-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  transition: all var(--transition);
}

.expertise-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.expertise-card--featured {
  border-color: var(--gold);
  box-shadow: var(--shadow-md);
  position: relative;
}

.expertise-card--featured::before {
  content: "Core Strength";
  position: absolute;
  top: -12px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--gold);
  color: var(--white);
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 0.25rem 0.875rem;
  border-radius: var(--radius-full);
  white-space: nowrap;
}

.expertise-card__icon {
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, rgba(26, 43, 75, 0.08), rgba(197, 160, 89, 0.12));
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  margin-bottom: 1.25rem;
}

.expertise-card__label {
  display: block;
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.5rem;
}

.expertise-card__title {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--navy);
  margin-bottom: 0.875rem;
  line-height: 1.35;
}

.expertise-card__text {
  font-size: 0.9375rem;
  color: var(--gray-400);
  line-height: 1.7;
  margin-bottom: 1.25rem;
}

.expertise-card__list {
  list-style: none;
  margin-top: auto;
  padding-top: 1.25rem;
  border-top: 1px solid var(--gray-100);
}

.expertise-card__list li {
  position: relative;
  padding-left: 1.125rem;
  font-size: 0.8125rem;
  color: var(--gray-600);
  margin-bottom: 0.5rem;
  line-height: 1.5;
}

.expertise-card__list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 5px;
  height: 5px;
  background: var(--navy);
  border-radius: 50%;
}

.collab-flow {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  position: relative;
}

.collab-flow::before {
  content: "";
  position: absolute;
  top: 28px;
  left: calc(16.67% + 1rem);
  right: calc(16.67% + 1rem);
  height: 2px;
  background: linear-gradient(90deg, var(--navy), var(--gold), var(--navy));
  opacity: 0.15;
}

.collab-step {
  text-align: center;
  padding: 0 1rem;
}

.collab-step__num {
  width: 56px;
  height: 56px;
  margin: 0 auto 1.25rem;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-serif);
  font-size: 1.375rem;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  z-index: 1;
  box-shadow: var(--shadow-md);
}

.collab-step h3 {
  font-size: 1.0625rem;
  margin-bottom: 0.625rem;
  color: var(--gray-900);
}

.collab-step p {
  font-size: 0.875rem;
  color: var(--gray-400);
  line-height: 1.65;
  max-width: none;
}

.about-stats-card {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-lg);
}

.about-stats-card__item {
  text-align: center;
  padding: 1.25rem 0.75rem;
  background: var(--gray-50);
  border-radius: var(--radius-sm);
}

.about-stats-card__value {
  display: block;
  font-family: var(--font-serif);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.about-stats-card__label {
  font-size: 0.75rem;
  color: var(--gray-400);
  line-height: 1.4;
}

@media (max-width: 1024px) {
  .expertise-grid,
  .collab-flow {
    grid-template-columns: 1fr;
  }

  .collab-flow::before {
    display: none;
  }
}

@media (max-width: 768px) {
  .about-stats-card {
    grid-template-columns: 1fr 1fr;
  }
}

/* ============================================
   Services Page
   ============================================ */

.services-nav-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}

.service-nav-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  text-decoration: none;
  transition: all var(--transition);
}

.service-nav-card:hover {
  border-color: transparent;
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}

.service-nav-card--wide {
  grid-column: span 3;
  flex-direction: row;
  align-items: center;
  gap: 1.5rem;
}

.service-nav-card--wide h3 {
  margin-bottom: 0.25rem;
}

.service-nav-card--wide p {
  margin: 0;
}

.service-nav-card__tag {
  display: inline-block;
  font-size: 0.625rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 0.2rem 0.5rem;
  border-radius: var(--radius-full);
  margin-bottom: 0.75rem;
  width: fit-content;
}

.service-nav-card__tag--legal {
  background: rgba(26, 43, 75, 0.1);
  color: var(--navy);
}

.service-nav-card__tag--regulatory {
  background: rgba(197, 160, 89, 0.15);
  color: var(--gold-dark);
}

.service-nav-card__tag--cyber {
  background: rgba(45, 74, 124, 0.12);
  color: var(--navy-light);
}

.service-nav-card__tag--all {
  background: var(--gray-100);
  color: var(--gray-600);
}

.service-nav-card h3 {
  font-family: var(--font-serif);
  font-size: 1.125rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.service-nav-card p {
  font-size: 0.875rem;
  color: var(--gray-400);
  line-height: 1.55;
  margin: 0;
}

.services-detail-section {
  padding-top: 2rem;
}

.service-detail {
  display: grid;
  grid-template-columns: 1fr 340px;
  gap: 3rem;
  align-items: start;
  padding: 3.5rem 0;
  border-bottom: 1px solid var(--gray-100);
  scroll-margin-top: calc(var(--header-height) + 1.5rem);
}

.service-detail:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.service-detail--reverse .service-detail__content {
  order: 2;
}

.service-detail--reverse .service-detail__visual {
  order: 1;
}

.service-detail__content h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--navy);
  margin: 0.75rem 0 1rem;
}

.service-detail__lead {
  font-size: 1.0625rem;
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 1rem;
  font-weight: 500;
}

.service-detail__content > p {
  color: var(--gray-400);
  margin-bottom: 1.5rem;
  line-height: 1.75;
}

.service-detail__content .check-list {
  margin-bottom: 1.75rem;
}

.service-detail__visual {
  position: sticky;
  top: calc(var(--header-height) + 1.5rem);
}

.service-detail-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.75rem;
}

.service-detail-card h4 {
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 1rem;
}

.service-detail-card ul {
  list-style: none;
}

.service-detail-card li {
  position: relative;
  padding-left: 1rem;
  font-size: 0.875rem;
  color: var(--gray-600);
  margin-bottom: 0.625rem;
  line-height: 1.5;
}

.service-detail-card li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55em;
  width: 4px;
  height: 4px;
  background: var(--gold);
  border-radius: 50%;
}

.service-detail-card--stat {
  text-align: center;
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  border: none;
  color: var(--white);
}

.service-detail-card--stat p {
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 1.25rem;
  line-height: 1.6;
}

.service-detail-card__stat {
  display: block;
  font-family: var(--font-serif);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--gold);
  margin-bottom: 0.5rem;
}

.service-detail-card__bar {
  height: 6px;
  background: rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-full);
  overflow: hidden;
  margin-bottom: 0.5rem;
}

.service-detail-card__stat-label {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.5);
}

.service-detail-card--quote blockquote {
  font-family: var(--font-serif);
  font-size: 1rem;
  font-style: italic;
  color: var(--gray-600);
  line-height: 1.75;
  margin-bottom: 1rem;
}

.service-detail-card--quote cite {
  font-size: 0.8125rem;
  color: var(--gray-400);
  font-style: normal;
}

.serve-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.serve-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  transition: all var(--transition);
}

.serve-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.serve-card h3 {
  font-size: 1rem;
  color: var(--navy);
  margin-bottom: 0.625rem;
}

.serve-card p {
  font-size: 0.875rem;
  color: var(--gray-400);
  line-height: 1.65;
  max-width: none;
}

.engagement-steps {
  display: flex;
  flex-direction: column;
  gap: 0;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}

.engagement-step {
  display: flex;
  gap: 1rem;
  padding: 1.25rem 1.5rem;
  border-bottom: 1px solid var(--gray-100);
  align-items: flex-start;
}

.engagement-step:last-child {
  border-bottom: none;
}

.engagement-step__num {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  background: var(--navy);
  color: var(--gold);
  font-family: var(--font-serif);
  font-size: 0.9375rem;
  font-weight: 700;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.engagement-step strong {
  display: block;
  font-size: 0.9375rem;
  color: var(--gray-900);
  margin-bottom: 0.25rem;
}

.engagement-step p {
  font-size: 0.8125rem;
  color: var(--gray-400);
  margin: 0;
  line-height: 1.5;
  max-width: none;
}

@media (max-width: 1024px) {
  .services-nav-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .service-nav-card--wide {
    grid-column: span 2;
    flex-direction: column;
    align-items: flex-start;
  }

  .service-detail,
  .service-detail--reverse {
    grid-template-columns: 1fr;
  }

  .service-detail--reverse .service-detail__content,
  .service-detail--reverse .service-detail__visual {
    order: unset;
  }

  .service-detail__visual {
    position: static;
  }

  .serve-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .services-nav-grid {
    grid-template-columns: 1fr;
  }

  .service-nav-card--wide {
    grid-column: span 1;
  }

  .serve-grid {
    grid-template-columns: 1fr;
  }
}

/* ============================================
   Audits Page
   ============================================ */

.audits-section {
  padding-top: 2rem;
}

.audit-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-bottom: 2rem;
}

.audit-stat {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  text-align: center;
}

.audit-stat__value {
  display: block;
  font-family: var(--font-serif);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.audit-stat__label {
  font-size: 0.75rem;
  color: var(--gray-400);
  font-weight: 500;
}

.audit-stat--compliant .audit-stat__value {
  color: var(--audit-green);
}

.audit-stat--warning .audit-stat__value {
  color: var(--audit-amber);
}

.audit-stat--danger {
  border-color: #fecaca;
  background: #fffafa;
}

.audit-stat--danger .audit-stat__value {
  color: var(--audit-red);
}

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

.audit-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  text-decoration: none;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}

.audit-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}

.audit-card--compliant:hover {
  border-color: rgba(5, 150, 105, 0.3);
}

.audit-card--non-compliant:hover {
  border-color: rgba(217, 119, 6, 0.3);
}

.audit-card--unregulated {
  border-color: #fecaca;
  background: #fffafa;
}

.audit-card--unregulated:hover {
  border-color: var(--audit-red);
  box-shadow: 0 8px 24px rgba(220, 38, 38, 0.12);
}

.audit-card__alert-banner {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  background: var(--audit-red);
  color: var(--white);
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  text-align: center;
  padding: 0.375rem;
}

.audit-card--unregulated {
  padding-top: 2.5rem;
}

.audit-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1rem;
}

.audit-card__flag {
  width: 40px;
  height: 30px;
  object-fit: cover;
  border-radius: 3px;
  border: 1px solid var(--gray-100);
}

.audit-card__flag--warn {
  width: 40px;
  height: 30px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: #fef2f2;
  color: var(--audit-red);
  border-radius: 3px;
  border: 1px solid #fecaca;
}

.audit-badge {
  display: inline-block;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 0.3rem 0.625rem;
  border-radius: var(--radius-full);
}

.audit-badge--compliant {
  background: #ecfdf5;
  color: var(--audit-green);
}

.audit-badge--non-compliant {
  background: #fffbeb;
  color: var(--audit-amber);
}

.audit-badge--unregulated {
  background: #fef2f2;
  color: var(--audit-red);
}

.audit-card__name {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.audit-card__website {
  font-size: 0.8125rem;
  color: var(--gray-400);
  margin-bottom: 0.75rem;
}

.audit-card__regs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.375rem;
  margin-bottom: 0.875rem;
}

.audit-reg-tag {
  font-size: 0.6875rem;
  font-weight: 600;
  padding: 0.2rem 0.5rem;
  background: rgba(26, 43, 75, 0.08);
  color: var(--navy);
  border-radius: var(--radius-full);
  text-decoration: none;
  transition: background var(--transition);
}

.audit-reg-tag:hover {
  background: rgba(26, 43, 75, 0.15);
}

.audit-reg-none {
  font-size: 0.6875rem;
  font-weight: 600;
  color: var(--audit-red);
}

.audit-card__summary {
  font-size: 0.875rem;
  color: var(--gray-400);
  line-height: 1.6;
  flex: 1;
  margin-bottom: 1rem;
}

.audit-score {
  margin-bottom: 1rem;
}

.audit-score__header {
  display: flex;
  justify-content: space-between;
  font-size: 0.75rem;
  color: var(--gray-400);
  margin-bottom: 0.375rem;
}

.audit-score__header strong {
  color: var(--navy);
}

.audit-score__bar {
  height: 6px;
  background: var(--gray-100);
  border-radius: var(--radius-full);
  overflow: hidden;
}

.audit-score__fill {
  height: 100%;
  border-radius: var(--radius-full);
  transition: width 0.8s ease;
}

.audit-card__meta {
  display: flex;
  justify-content: space-between;
  font-size: 0.6875rem;
  color: var(--gray-200);
  margin-bottom: 1rem;
  padding-top: 0.75rem;
  border-top: 1px solid var(--gray-100);
}

.audit-card__link {
  display: inline-flex;
  align-items: center;
  gap: 0.375rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--navy);
  margin-top: auto;
}

.audit-card:hover .audit-card__link {
  color: var(--gold);
}

/* Audit detail page */

.audit-detail-alert {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  background: #fef2f2;
  border: 1px solid #fecaca;
  border-left: 4px solid var(--audit-red);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  margin-bottom: 2rem;
  color: var(--audit-red);
}

.audit-detail-alert strong {
  display: block;
  font-size: 1rem;
  margin-bottom: 0.375rem;
  color: #991b1b;
}

.audit-detail-alert p {
  font-size: 0.875rem;
  color: #b91c1c;
  margin: 0;
  line-height: 1.6;
}

.audit-detail__header {
  display: flex;
  align-items: flex-start;
  gap: 1.5rem;
  margin-bottom: 2.5rem;
  padding-bottom: 2rem;
  border-bottom: 1px solid var(--gray-100);
  flex-wrap: wrap;
}

.audit-detail__header-text {
  flex: 1;
  min-width: 200px;
}

.audit-detail__meta {
  font-size: 0.8125rem;
  color: var(--gray-400);
  margin-top: 0.5rem;
}

.audit-detail-score {
  text-align: center;
  padding: 1.25rem 1.75rem;
  border-radius: var(--radius-md);
  min-width: 120px;
}

.audit-detail-score--compliant {
  background: #ecfdf5;
  border: 1px solid #a7f3d0;
}

.audit-detail-score--non-compliant {
  background: #fffbeb;
  border: 1px solid #fde68a;
}

.audit-detail-score__value {
  display: block;
  font-family: var(--font-serif);
  font-size: 2rem;
  font-weight: 700;
  color: var(--navy);
}

.audit-detail-score--compliant .audit-detail-score__value {
  color: var(--audit-green);
}

.audit-detail-score--non-compliant .audit-detail-score__value {
  color: var(--audit-amber);
}

.audit-detail-score__label {
  font-size: 0.75rem;
  color: var(--gray-400);
}

.audit-regulator-list {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.audit-regulator-item {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 0.25rem 1rem;
  padding: 1rem 1.25rem;
  background: var(--gray-50);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-sm);
  text-decoration: none;
  transition: all var(--transition);
}

.audit-regulator-item:hover {
  border-color: var(--navy-light);
  background: var(--white);
}

.audit-regulator-item strong {
  color: var(--navy);
  font-size: 0.9375rem;
}

.audit-regulator-item span {
  font-size: 0.8125rem;
  color: var(--gray-400);
  grid-column: 1;
}

.audit-regulator-item__verified {
  grid-column: 2;
  grid-row: 1 / 3;
  align-self: center;
  font-size: 0.6875rem !important;
  font-weight: 700;
  text-transform: uppercase;
  color: var(--audit-green) !important;
  background: #ecfdf5;
  padding: 0.25rem 0.5rem;
  border-radius: var(--radius-full);
}

.audit-no-license {
  padding: 1rem 1.25rem;
  background: #fef2f2;
  border: 1px solid #fecaca;
  border-radius: var(--radius-sm);
  color: #b91c1c;
  font-size: 0.9375rem;
}

.audit-check-list {
  list-style: none;
}

.audit-check {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--gray-50);
  font-size: 0.9375rem;
  color: var(--gray-600);
}

.audit-check:last-child {
  border-bottom: none;
}

.audit-check__icon {
  width: 24px;
  height: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  font-size: 0.75rem;
  font-weight: 700;
  flex-shrink: 0;
}

.audit-check--pass .audit-check__icon {
  background: #ecfdf5;
  color: var(--audit-green);
}

.audit-check--fail .audit-check__icon {
  background: #fef2f2;
  color: var(--audit-red);
}

.audit-recommendation {
  padding: 1.25rem;
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  line-height: 1.7;
}

.audit-recommendation--compliant {
  background: #ecfdf5;
  border: 1px solid #a7f3d0;
  color: #065f46;
}

.audit-recommendation--non-compliant {
  background: #fffbeb;
  border: 1px solid #fde68a;
  color: #92400e;
}

.audit-recommendation--unregulated {
  background: #fef2f2;
  border: 1px solid #fecaca;
  color: #991b1b;
  font-weight: 500;
}

.regulation-sidebar-card--danger {
  background: #fef2f2;
  border-color: #fecaca;
}

.regulation-sidebar-card--danger h3 {
  color: #991b1b;
}

.regulation-sidebar-card--danger p {
  color: #b91c1c;
}

@media (max-width: 1024px) {
  .audits-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .audit-stats {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .audits-grid {
    grid-template-columns: 1fr;
  }

  .audit-detail__header {
    flex-direction: column;
  }
}

/* ============================================
   News Page
   ============================================ */

.news-hero-meta {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1.5rem;
  margin-top: 1.5rem;
  font-size: 0.875rem;
  color: var(--gray-400);
}

.news-section {
  padding-top: 2rem;
}

.news-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  margin-bottom: 2rem;
}

.news-stat {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  text-align: center;
}

.news-stat__value {
  display: block;
  font-family: var(--font-serif);
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.news-stat__label {
  font-size: 0.75rem;
  color: var(--gray-400);
  font-weight: 500;
}

.news-stat--enforcement .news-stat__value {
  color: var(--audit-amber);
}

.news-stat--warning .news-stat__value {
  color: var(--audit-red);
}

.news-stat--policy .news-stat__value {
  color: var(--navy-light);
}

.news-toolbar {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1rem;
  margin-bottom: 1rem;
}

.news-toolbar .regulations-search-wrap {
  flex: 1;
  min-width: 220px;
}

.news-select {
  font-family: var(--font-sans);
  font-size: 0.875rem;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--gray-100);
  border-radius: var(--radius-full);
  background: var(--white);
  color: var(--gray-900);
  min-width: 160px;
  cursor: pointer;
}

.news-select:focus {
  outline: none;
  border-color: var(--navy-light);
}

.regulation-filters--secondary {
  margin-bottom: 1.5rem;
}

.filter-btn--sm {
  font-size: 0.75rem;
  padding: 0.375rem 0.75rem;
}

.news-list {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.news-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.5rem 1.75rem;
  transition: all var(--transition);
}

.news-card:hover {
  box-shadow: var(--shadow-md);
}

.news-card--highlight {
  border-left: 4px solid var(--audit-amber);
}

.news-card--warning.news-card--highlight {
  border-left-color: var(--audit-red);
  background: #fffafa;
}

.news-card--enforcement.news-card--highlight {
  border-left-color: var(--audit-amber);
}

.news-card__header {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  margin-bottom: 0.875rem;
}

.news-card__regulator {
  display: flex;
  align-items: center;
  gap: 0.625rem;
}

.news-card__flag {
  width: 32px;
  height: 24px;
  object-fit: cover;
  border-radius: 2px;
  border: 1px solid var(--gray-100);
}

.news-card__reg-name {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--navy);
  text-decoration: none;
}

.news-card__reg-name:hover {
  color: var(--gold);
}

.news-card__badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.375rem;
}

.news-cat-badge {
  font-size: 0.625rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 0.25rem 0.5rem;
  border-radius: var(--radius-full);
}

.news-cat-badge--enforcement {
  background: #fffbeb;
  color: var(--audit-amber);
}

.news-cat-badge--warning {
  background: #fef2f2;
  color: var(--audit-red);
}

.news-cat-badge--policy {
  background: rgba(26, 43, 75, 0.08);
  color: var(--navy);
}

.news-cat-badge--general {
  background: var(--gray-50);
  color: var(--gray-400);
}

.news-card__title {
  font-family: var(--font-serif);
  font-size: 1.125rem;
  line-height: 1.4;
  margin-bottom: 0.625rem;
}

.news-card__title a {
  color: var(--gray-900);
  text-decoration: none;
  transition: color var(--transition);
}

.news-card__title a:hover {
  color: var(--navy);
}

.news-card__summary {
  font-size: 0.9375rem;
  color: var(--gray-400);
  line-height: 1.65;
  margin-bottom: 1rem;
}

.news-card__footer {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 1rem;
  padding-top: 0.875rem;
  border-top: 1px solid var(--gray-100);
  font-size: 0.8125rem;
  color: var(--gray-400);
}

.news-card__region {
  background: var(--gray-50);
  padding: 0.2rem 0.5rem;
  border-radius: var(--radius-full);
  font-size: 0.6875rem;
  font-weight: 500;
}

.news-card__link {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  margin-left: auto;
  font-weight: 500;
  color: var(--navy);
  text-decoration: none;
  transition: color var(--transition);
}

.news-card__link:hover {
  color: var(--gold);
}

.news-disclaimer {
  margin-top: 2rem;
  font-size: 0.8125rem;
  color: var(--gray-400);
  text-align: center;
  line-height: 1.6;
}

.news-disclaimer code {
  font-size: 0.75rem;
  background: var(--gray-100);
  padding: 0.125rem 0.375rem;
  border-radius: 4px;
}

@media (max-width: 1024px) {
  .news-stats {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .news-toolbar {
    flex-direction: column;
    align-items: stretch;
  }

  .news-select {
    width: 100%;
  }

  .news-card__footer {
    flex-direction: column;
    align-items: flex-start;
  }

  .news-card__link {
    margin-left: 0;
  }
}

/* ============================================
   Contact Page
   ============================================ */

.contact-info-list {
  list-style: none;
}

.contact-info-list li {
  margin-bottom: 1rem;
}

.contact-info-list li:last-child {
  margin-bottom: 0;
}

.contact-info-list__label {
  display: block;
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 0.25rem;
}

.contact-info-list a {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--navy);
  text-decoration: none;
  transition: color var(--transition);
}

.contact-info-list a:hover {
  color: var(--gold);
}

.contact-info-list--offices li {
  margin-bottom: 1.25rem;
}

.contact-info-list--offices strong {
  display: block;
  font-size: 0.9375rem;
  color: var(--gray-900);
  margin-bottom: 0.25rem;
}

.contact-info-list--offices span {
  font-size: 0.8125rem;
  color: var(--gray-400);
  line-height: 1.5;
}

.contact-faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
}

.contact-faq,
.contact-hours {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 2rem;
}

.contact-faq h3,
.contact-hours h3 {
  font-family: var(--font-serif);
  font-size: 1.25rem;
  color: var(--navy);
  margin-bottom: 1.25rem;
}

.contact-faq dl {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.contact-faq dt {
  font-size: 0.9375rem;
  font-weight: 600;
  color: var(--gray-900);
  margin-bottom: 0.375rem;
}

.contact-faq dd {
  font-size: 0.875rem;
  color: var(--gray-400);
  line-height: 1.65;
  margin: 0;
}

.contact-hours-list {
  list-style: none;
  margin-bottom: 1rem;
}

.contact-hours-list li {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 0.625rem 0;
  border-bottom: 1px solid var(--gray-100);
  font-size: 0.875rem;
  color: var(--gray-600);
}

.contact-hours-list li:last-child {
  border-bottom: none;
}

.contact-hours-list strong {
  color: var(--navy);
}

.contact-hours-note {
  font-size: 0.8125rem;
  color: var(--gray-400);
  line-height: 1.6;
  margin: 0;
}

@media (max-width: 768px) {
  .contact-faq-grid {
    grid-template-columns: 1fr;
  }
}

/* ============================================
   Brokers Lookup Page
   ============================================ */

.page-hero--brokers {
  padding-bottom: 3rem;
}

.broker-search-form {
  display: flex;
  gap: 0.75rem;
  max-width: 640px;
  margin: 2rem auto 0;
}

.broker-search-form__field {
  position: relative;
  flex: 1;
}

.broker-search-form__icon {
  position: absolute;
  left: 1rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gray-400);
  pointer-events: none;
}

.broker-search-form__input {
  width: 100%;
  padding: 1rem 1rem 1rem 3rem;
  font-size: 1rem;
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  background: var(--white);
  box-shadow: var(--shadow-sm);
  transition: border-color var(--transition), box-shadow var(--transition);
}

.broker-search-form__input:focus {
  outline: none;
  border-color: var(--navy-light);
  box-shadow: 0 0 0 3px rgba(26, 43, 75, 0.1);
}

.broker-search-hints {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  margin-top: 1rem;
  font-size: 0.875rem;
  color: var(--gray-400);
}

.broker-search-hint {
  padding: 0.25rem 0.75rem;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--navy);
  background: var(--gray-50);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: background var(--transition), border-color var(--transition);
}

.broker-search-hint:hover {
  background: var(--white);
  border-color: var(--gold);
}

.brokers-section {
  padding-top: 2rem;
  min-height: 280px;
}

.broker-legend {
  max-width: 900px;
  margin: 0 auto;
}

.broker-legend__title {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  text-align: center;
  margin-bottom: 2rem;
  color: var(--navy);
}

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

.broker-legend__item {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  text-align: center;
}

.broker-legend__item p {
  font-size: 0.875rem;
  color: var(--gray-600);
  line-height: 1.65;
  margin-top: 1rem;
}

.broker-verdict {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.375rem 1rem;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border-radius: var(--radius-full);
}

.broker-verdict--lg {
  padding: 0.625rem 1.5rem;
  font-size: 1rem;
}

.broker-verdict--safe {
  color: var(--audit-green);
  background: #ecfdf5;
  border: 2px solid var(--audit-green);
}

.broker-verdict--watchout {
  color: var(--audit-amber);
  background: #fffbeb;
  border: 2px solid var(--audit-amber);
}

.broker-verdict--danger {
  color: var(--audit-red);
  background: #fef2f2;
  border: 2px solid var(--audit-red);
}

.broker-results__list {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  max-width: 800px;
  margin: 0 auto;
}

.broker-result {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-md);
}

.broker-result--safe {
  border-left: 4px solid var(--audit-green);
}

.broker-result--watchout {
  border-left: 4px solid var(--audit-amber);
}

.broker-result--danger {
  border-left: 4px solid var(--audit-red);
}

.broker-result__header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1.5rem;
  margin-bottom: 1rem;
}

.broker-result__identity {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.broker-result__flag {
  border-radius: 2px;
  box-shadow: var(--shadow-sm);
}

.broker-result__name {
  font-family: var(--font-serif);
  font-size: 1.375rem;
  color: var(--navy);
  margin-bottom: 0.25rem;
}

.broker-result__website {
  font-size: 0.875rem;
  color: var(--gray-400);
}

.broker-result__verdict-text {
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--gray-600);
  margin-bottom: 0.75rem;
}

.broker-result__summary {
  font-size: 0.9375rem;
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 1rem;
}

.broker-result__notice {
  padding: 1rem 1.25rem;
  background: #fffbeb;
  border: 1px solid #fde68a;
  border-radius: var(--radius-md);
  margin-bottom: 1rem;
}

.broker-result__notice p {
  font-size: 0.9375rem;
  color: var(--gray-600);
  line-height: 1.7;
  margin: 0;
}

.broker-result__notice strong {
  color: var(--navy);
}

.broker-result--unaudited .broker-result__footer .btn {
  flex-shrink: 0;
}

.broker-result__regs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1rem;
}

.broker-result__reg {
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--navy);
  background: var(--gray-50);
  padding: 0.25rem 0.625rem;
  border-radius: var(--radius-sm);
}

.broker-result__no-license {
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--audit-red);
}

.broker-result__score {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.75rem 1rem;
  background: var(--gray-50);
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  color: var(--gray-600);
  margin-bottom: 1.25rem;
}

.broker-result__score strong {
  font-size: 1.125rem;
  color: var(--navy);
}

.broker-result__footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  padding-top: 1.25rem;
  border-top: 1px solid var(--gray-100);
}

.broker-result__meta {
  font-size: 0.8125rem;
  color: var(--gray-400);
}

.broker-no-match__card {
  max-width: 560px;
  margin: 0 auto;
  text-align: center;
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
}

.broker-no-match__card h2 {
  font-family: var(--font-serif);
  font-size: 1.5rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.broker-no-match__card p {
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 0.75rem;
}

.broker-no-match__card .btn-group {
  justify-content: center;
  margin-top: 1.5rem;
}

@media (max-width: 768px) {
  .broker-search-form {
    flex-direction: column;
  }

  .broker-legend__grid {
    grid-template-columns: 1fr;
  }

  .broker-result__header {
    flex-direction: column;
    align-items: stretch;
  }

  .broker-result__footer {
    flex-direction: column;
    align-items: stretch;
  }

  .broker-result__footer .btn {
    width: 100%;
    justify-content: center;
  }
}

/* ============================================
   SEO Guide Pages
   ============================================ */

.seo-guide {
  max-width: 760px;
  margin: 0 auto;
}

.seo-guide-block {
  margin-bottom: 2.5rem;
}

.seo-guide-block h2 {
  font-family: var(--font-serif);
  font-size: 1.375rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.seo-guide-block p {
  color: var(--gray-600);
  line-height: 1.75;
}

.seo-faq {
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid var(--gray-100);
}

.seo-faq h2 {
  font-family: var(--font-serif);
  font-size: 1.375rem;
  color: var(--navy);
  margin-bottom: 1.25rem;
}

.seo-faq__item {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 1rem 1.25rem;
  margin-bottom: 0.75rem;
}

.seo-faq__item summary {
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
}

.seo-faq__item summary::-webkit-details-marker {
  display: none;
}

.seo-faq__item p {
  margin-top: 0.75rem;
  color: var(--gray-600);
  line-height: 1.7;
}

.seo-related {
  margin-top: 2.5rem;
}

.seo-related h2 {
  font-family: var(--font-serif);
  font-size: 1.125rem;
  color: var(--navy);
  margin-bottom: 1rem;
}

.seo-related__list {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.5rem;
  list-style: none;
  padding: 0;
  margin: 0;
}

.seo-related__list a {
  color: var(--navy-light);
  font-weight: 500;
  text-decoration: underline;
  text-underline-offset: 3px;
}

.seo-related__list a:hover {
  color: var(--gold-dark);
}

.page-hero--legal {
  padding-bottom: 2rem;
}

.legal-content {
  max-width: 780px;
  margin: 0 auto;
}

.legal-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.5rem;
  padding: 1rem 1.25rem;
  margin-bottom: 2rem;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  font-size: 0.875rem;
  color: var(--gray-600);
}

.legal-meta strong {
  color: var(--navy);
}

.legal-toc {
  padding: 1.25rem 1.5rem;
  margin-bottom: 2.5rem;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
}

.legal-toc h2 {
  font-size: 0.8125rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.legal-toc ol {
  margin: 0;
  padding-left: 1.25rem;
  columns: 1;
  list-style: decimal;
}

@media (min-width: 640px) {
  .legal-toc ol {
    columns: 2;
    column-gap: 2rem;
  }
}

.legal-toc li {
  margin-bottom: 0.35rem;
  break-inside: avoid;
}

.legal-toc a {
  color: var(--gray-600);
  font-size: 0.9375rem;
  text-decoration: none;
}

.legal-toc a:hover {
  color: var(--gold);
}

.legal-content h2 {
  font-family: var(--font-display);
  font-size: 1.375rem;
  color: var(--navy);
  margin: 2.5rem 0 1rem;
  padding-top: 0.5rem;
  scroll-margin-top: 6rem;
}

.legal-content h2:first-of-type {
  margin-top: 0;
}

.legal-content h3 {
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--navy);
  margin: 1.5rem 0 0.75rem;
}

.legal-content p {
  color: var(--gray-600);
  line-height: 1.75;
  margin-bottom: 1rem;
}

.legal-content ul,
.legal-content ol {
  color: var(--gray-600);
  line-height: 1.75;
  margin: 0 0 1rem;
  padding-left: 1.5rem;
  list-style: revert;
}

.legal-content li {
  margin-bottom: 0.4rem;
}

.legal-content li ul,
.legal-content li ol {
  margin-top: 0.4rem;
  margin-bottom: 0.4rem;
}

.legal-content a {
  color: var(--gold-dark, #a8864a);
  text-decoration: underline;
  text-underline-offset: 2px;
}

.legal-content a:hover {
  color: var(--navy);
}

.legal-content table {
  width: 100%;
  border-collapse: collapse;
  margin: 1rem 0 1.5rem;
  font-size: 0.875rem;
}

.legal-content th,
.legal-content td {
  padding: 0.65rem 0.75rem;
  text-align: left;
  border: 1px solid var(--gray-200);
  vertical-align: top;
}

.legal-content th {
  background: var(--gray-50);
  color: var(--navy);
  font-weight: 600;
}

.legal-content td {
  color: var(--gray-600);
}

.legal-content .legal-note {
  padding: 1rem 1.25rem;
  margin: 1.5rem 0;
  background: rgba(197, 160, 89, 0.08);
  border-left: 3px solid var(--gold);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  font-size: 0.9375rem;
}

.legal-content .legal-related {
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--gray-200);
}