/*
Theme Name: Mesra Modal Network
Theme URI: https://mesramodalnetwork.com
Author: Mesra Modal Network Sdn. Bhd.
Description: Custom theme for Mesra Modal Network - structured financing & payroll collection advisory.
Version: 1.1.0
Text Domain: mmn
*/

/* ==========================================================================
   1. Design tokens
   ========================================================================== */
:root {
  --c-primary: #0A0A0A;      /* headings / near-black text */
  --c-secondary: #111111;    /* black, overlays, dark sections */
  --c-secondary-2: #000000;
  --c-text: #3A3630;         /* body copy - dark warm gray for strong contrast on cream */
  --c-accent: #C9A227;       /* gold */
  --c-accent-dark: #8A6D14;  /* deep bronze-gold, for text-on-light contexts */
  --c-accent-light: #E9C767; /* light gold, for accents on dark backgrounds */
  --c-on-gold: #0A0A0A;      /* text colour used on gold surfaces - black for max contrast */
  --c-bg-grad-start: #FFFFFF;
  --c-bg-grad-end: #FBF3DE;
  --c-surface: #FFFFFF;
  --c-surface-alt: #FBF6E9;
  --c-border: #EDE0BE;
  --font-family: "Figtree", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --container: 1140px;
  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 28px;
  --shadow-sm: 0 4px 20px rgba(0, 0, 0, 0.10);
  --shadow-md: 0 12px 40px rgba(0, 0, 0, 0.18);
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
}

/* ==========================================================================
   2. Reset & base
   ========================================================================== */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-family);
  font-size: 17px;
  font-weight: 400;
  line-height: 1.65;
  color: var(--c-text);
  background: linear-gradient(90deg, var(--c-bg-grad-start) 0%, var(--c-bg-grad-end) 100%);
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: var(--c-primary); text-decoration: none; }
h1, h2, h3, h4, h5 { color: var(--c-primary); font-weight: 700; margin: 0 0 16px; line-height: 1.2; }
h1 { font-size: 48px; }
h2 { font-size: 36px; }
h3 { font-size: 22px; }
p { margin: 0 0 16px; }
ul { padding: 0; margin: 0; list-style: none; }
button { font-family: inherit; cursor: pointer; }
.container { max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 96px 0; position: relative; }
.section--tight { padding: 64px 0; }
.section--alt { background: var(--c-surface-alt); }
.section--after-band { padding-top: 190px; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: 13px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--c-accent-dark); background: rgba(201,162,39,0.14);
  padding: 8px 18px; border-radius: 999px; margin-bottom: 18px;
}
.eyebrow .dot { width: 6px; height: 6px; border-radius: 50%; background: currentColor; display: inline-block; }
.section-head { max-width: 640px; margin: 0 0 56px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.text-lg { font-size: 19px; }
.muted { color: var(--c-text); }

/* ==========================================================================
   3. Buttons
   ========================================================================== */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 16px 34px; border-radius: 999px; font-weight: 600; font-size: 16px;
  border: none; transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease), background 0.35s var(--ease);
  white-space: nowrap;
}
.btn--primary {
  background: linear-gradient(135deg, var(--c-accent-light) 0%, var(--c-accent) 100%);
  color: var(--c-on-gold);
  box-shadow: var(--shadow-sm);
}
.btn--primary:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.btn--outline {
  background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,0.55);
}
.btn--outline:hover { background: rgba(255,255,255,0.12); border-color: #fff; }
.btn--ghost { background: rgba(201,162,39,0.1); color: var(--c-accent-dark); }
.btn--ghost:hover { background: rgba(201,162,39,0.18); }

/* ==========================================================================
   4. Header
   ========================================================================== */
.site-header {
  position: fixed; top: 20px; left: 24px; right: 24px; z-index: 999;
  max-width: calc(var(--container) + 48px); margin: 0 auto;
  background: rgba(255,255,255,0.92); backdrop-filter: blur(14px);
  border-radius: 999px; box-shadow: var(--shadow-sm);
  display: flex; align-items: center; justify-content: space-between;
  padding: 10px 14px 10px 26px;
  transition: box-shadow 0.3s var(--ease), background 0.3s var(--ease);
}
.site-header.is-scrolled { box-shadow: var(--shadow-md); }
.site-branding { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 20px; color: var(--c-primary); }
.site-branding img { height: 38px; width: auto; }
.site-branding .brand-logo-full { height: 40px; width: auto; display: block; }
.main-nav ul { display: flex; align-items: center; gap: 6px; }
.main-nav a {
  display: block; padding: 10px 18px; border-radius: 999px; font-weight: 600; font-size: 15px;
  color: var(--c-primary); transition: background 0.25s var(--ease), color 0.25s var(--ease);
  position: relative;
}
.main-nav > ul > li > a { border-bottom: 2px solid transparent; border-radius: 0; padding: 10px 16px; }
.main-nav > ul > li > a:hover, .main-nav > ul > li.current-menu-item > a { background: transparent; color: var(--c-accent-dark); border-bottom-color: var(--c-accent); }
.main-nav ul ul a:hover { background: rgba(201,162,39,0.12); color: var(--c-accent-dark); }
.header-cta { display: flex; align-items: center; gap: 10px; }
.nav-toggle { display: none; background: none; border: none; padding: 10px; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--c-primary); margin: 5px 0; transition: transform 0.3s var(--ease), opacity 0.3s var(--ease); }

/* Sub-menu (Services dropdown) */
.main-nav li { position: relative; }
.main-nav ul ul {
  position: absolute; top: calc(100% + 14px); left: 0; min-width: 260px;
  background: #fff; border-radius: var(--radius-md); box-shadow: var(--shadow-md);
  padding: 10px; opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: opacity 0.3s var(--ease), transform 0.3s var(--ease), visibility 0.3s;
  flex-direction: column; align-items: stretch; display: flex;
}
.main-nav li:hover > ul { opacity: 1; visibility: visible; transform: translateY(0); }
.main-nav ul ul a { padding: 12px 16px; border-radius: var(--radius-sm); text-align: left; }
.menu-item-has-children > a::after {
  content: ""; display: inline-block; width: 7px; height: 7px; margin-left: 6px;
  border-right: 2px solid currentColor; border-bottom: 2px solid currentColor;
  transform: rotate(45deg); vertical-align: 2px;
}

/* ==========================================================================
   5. Hero
   ========================================================================== */
.hero {
  position: relative; min-height: 92vh; display: flex; align-items: flex-end;
  padding: 180px 0 100px; color: #fff;
  background-size: cover; background-position: center;
}
.hero::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(0,0,0,0.55) 0%, rgba(0,0,0,0.88) 100%);
  z-index: 0;
}
.hero .container { position: relative; z-index: 1; }
.hero-content { max-width: 760px; }
.hero h1 { color: #fff; font-size: clamp(34px, 5vw, 56px); margin-bottom: 22px; }
.hero p { color: rgba(255,255,255,0.88); max-width: 600px; }
.hero-actions { display: flex; align-items: center; gap: 28px; margin-top: 34px; flex-wrap: wrap; position: relative; z-index: 1; }
.hero-contact { display: flex; align-items: center; gap: 12px; color: #fff; font-weight: 700; font-size: 17px; }
.hero-contact .icon-circle { width: 20px; height: 20px; display: flex; align-items: center; justify-content: center; color: #fff; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 10px; padding: 10px 20px 10px 12px;
  border: 1px solid rgba(255,255,255,0.35); border-radius: 999px; margin-bottom: 26px; font-size: 14px;
  position: relative; z-index: 1;
}
.hero-badge .dot { width: 6px; height: 6px; border-radius: 50%; background: var(--c-accent-light); }

/* Floating card that straddles a section boundary - recurring motif */
.float-card {
  position: absolute; z-index: 2;
  background: var(--c-surface-alt); color: var(--c-primary); border-radius: var(--radius-lg);
  padding: 26px 30px; box-shadow: var(--shadow-md); max-width: 300px;
}
.float-card--hero { right: 24px; bottom: -70px; display: none; }
@media (min-width: 992px) { .float-card--hero { display: flex; gap: 16px; align-items: flex-start; } }
.float-card .fc-icon {
  width: 46px; height: 46px; border-radius: 50%; background: #fff; flex: none;
  display: flex; align-items: center; justify-content: center; color: var(--c-accent-dark); font-size: 18px;
}

/* Inline SVG icons (replaces emoji) inside any circular/flex icon container */
.icon-circle-lg svg, .icon-badge svg, .fc-icon svg, .tick svg, .icon-circle svg {
  width: 52%; height: 52%; fill: none; stroke: currentColor; stroke-width: 1.8;
  stroke-linecap: round; stroke-linejoin: round; flex: none;
}
.icon-badge svg { width: 46%; height: 46%; }
.float-card h4 { font-size: 15px; margin-bottom: 10px; }
.float-card ul li { display: grid; grid-template-columns: auto 1fr; text-align: left; gap: 16px; padding: 4px 0; font-size: 13px; color: var(--c-text); }

/* Simple hero (service pages) */
.hero--simple { min-height: 62vh; padding: 170px 0 90px; align-items: center; }
.hero--tiny { min-height: 34vh; padding: 150px 0 56px; }
.hero { z-index: 0; }

/* ==========================================================================
   6. Service cards
   ========================================================================== */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; padding-top: 44px; }
.service-card {
  background: linear-gradient(160deg, #1a1a1a 0%, #000000 100%);
  border-radius: var(--radius-md); padding: 56px 34px 40px; position: relative;
  box-shadow: var(--shadow-sm); transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease);
  color: #fff; border: 1px solid rgba(201,162,39,0.25);
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); border-color: var(--c-accent); }
.service-card .icon-badge {
  width: 64px; height: 64px; border-radius: 50%; margin-bottom: 20px;
  position: absolute; top: -32px; left: 34px;
  background: linear-gradient(135deg, var(--c-accent-light), var(--c-accent));
  border: 4px solid var(--c-surface-alt);
  display: flex; align-items: center; justify-content: center; font-size: 26px;
}
.service-card h3 { margin-bottom: 12px; color: #fff; }
.service-card p { color: rgba(255,255,255,0.75); }
.service-card a.card-link { font-weight: 700; color: var(--c-accent-light); display: inline-flex; align-items: center; gap: 6px; margin-top: 12px; }
.service-card a.card-link::after { content: "\2192"; transition: transform 0.3s var(--ease); }
.service-card a.card-link:hover::after { transform: translateX(4px); }

/* ==========================================================================
   7. Approach section: image + numbered accordion + image
   ========================================================================== */
.approach-grid { display: grid; grid-template-columns: 0.85fr 1.15fr 0.7fr; gap: 32px; align-items: center; }
.approach-media { position: relative; border-radius: var(--radius-lg); overflow: visible; }
.approach-media img { border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); width: 100%; aspect-ratio: 3/4; object-fit: cover; }
.approach-media-2 img { border-radius: var(--radius-lg); box-shadow: var(--shadow-sm); width: 100%; aspect-ratio: 3/4; object-fit: cover; }
.float-card--approach {
  position: absolute; left: 16px; right: 16px; bottom: -24px;
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  background: #fff;
}
.float-card--approach h4 { font-size: 17px; margin-bottom: 4px; text-transform: none; letter-spacing: 0; color: var(--c-primary); }
.float-card--approach p { font-size: 13px; margin: 0; color: var(--c-text); }
.float-card--approach .fc-arrow {
  width: 48px; height: 48px; border-radius: 50%; flex: none;
  background: linear-gradient(135deg, var(--c-accent-light), var(--c-accent)); color: var(--c-on-gold);
  display: flex; align-items: center; justify-content: center; font-size: 18px;
  transition: transform 0.3s var(--ease);
}
.float-card--approach:hover .fc-arrow { transform: translateX(4px); }

.numbered-list { display: flex; flex-direction: column; }
.numbered-item {
  display: flex; flex-direction: column; gap: 0; padding: 22px 0; border-bottom: 1px solid var(--c-border);
  cursor: pointer;
}
.numbered-item:first-child { padding-top: 0; }
.numbered-item-head { display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.numbered-item-head .label { display: flex; align-items: baseline; gap: 14px; font-size: 18px; font-weight: 700; color: var(--c-primary); }
.numbered-item .num { font-size: 15px; font-weight: 800; color: var(--c-accent-dark); }
.numbered-item .chev {
  width: 34px; height: 34px; border-radius: 50%; flex: none; background: var(--c-surface-alt);
  display: flex; align-items: center; justify-content: center; color: var(--c-accent-dark);
  transition: transform 0.35s var(--ease), background 0.35s var(--ease), color 0.35s var(--ease);
}
.numbered-item.is-active .chev { background: var(--c-accent); color: var(--c-on-gold); transform: rotate(135deg); }
.numbered-item .num-body { max-height: 0; overflow: hidden; transition: max-height 0.4s var(--ease); }
.numbered-item.is-active .num-body { max-height: 200px; }
.numbered-item .num-body p {
  margin: 16px 0 0; padding: 18px 20px; background: var(--c-surface-alt); border-radius: var(--radius-md);
  font-size: 15px;
}

/* ==========================================================================
   8. Stats band (full-width photo) + floating strength card
   ========================================================================== */
.stat-band {
  position: relative; padding: 110px 0 150px; color: #fff; background-size: cover; background-position: center;
  overflow: visible;
}
.stat-band::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(120deg, rgba(0,0,0,0.85) 0%, rgba(0,0,0,0.55) 100%);
}
.stat-band .container { position: relative; z-index: 1; }
.stats-strip { display: grid; grid-template-columns: repeat(2, 1fr); gap: 48px 40px; max-width: 640px; }
.stat-card .stat-number { font-size: 44px; font-weight: 800; display: flex; align-items: baseline; gap: 4px; color: var(--c-accent-light); }
.stat-card p { color: #fff; margin-top: 8px; margin-bottom: 0; max-width: 280px; }

.strength-card {
  position: absolute; right: 24px; bottom: -90px; z-index: 2; width: 380px; max-width: calc(100% - 48px);
  background: linear-gradient(160deg, #1a1a1a 0%, #000000 100%);
  color: #fff; border-radius: var(--radius-lg); padding: 40px; box-shadow: var(--shadow-md);
  border: 1px solid rgba(201,162,39,0.35);
  display: none;
}
@media (min-width: 992px) { .strength-card { display: block; } }
.strength-card h3 { color: var(--c-accent-light); }
.strength-card > p { color: rgba(255,255,255,0.8); }
.strength-card hr { border: none; border-top: 1px dashed rgba(201,162,39,0.35); margin: 20px 0; }
.strength-bars { display: flex; flex-direction: column; gap: 20px; }
.bar-item .bar-label { display: flex; justify-content: space-between; gap: 12px; font-weight: 600; color: #fff; margin-bottom: 8px; font-size: 14px; }
.bar-track { height: 6px; border-radius: 999px; background: rgba(255,255,255,0.15); overflow: hidden; }
.bar-fill { height: 100%; border-radius: 999px; background: linear-gradient(90deg, var(--c-accent-light), var(--c-accent)); width: 0; transition: width 1.4s var(--ease); }

/* Mobile fallback: strength card becomes a normal in-flow block */
.strength-card--mobile { display: block; margin-top: 40px; position: static; width: auto; max-width: none; }
@media (min-width: 992px) { .strength-card--mobile { display: none; } }

/* ==========================================================================
   9. Feature grid (service pages "why choose")
   ========================================================================== */
.feature-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 40px 48px; }
.feature-item .icon-circle-lg {
  width: 56px; height: 56px; border-radius: 50%; margin-bottom: 18px;
  background: var(--c-surface-alt); border: 1px solid var(--c-border);
  display: flex; align-items: center; justify-content: center; color: var(--c-accent-dark);
}
.split { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 64px; align-items: center; }
.split img { border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }
.split-reverse { grid-template-columns: 1.1fr 0.9fr; }
.split-reverse .split-media { order: 2; }
/* Feature split: tall image (rounded top only) + heading/paragraph/icon-grid */
.split-feature { grid-template-columns: 0.8fr 1.2fr; align-items: stretch; gap: 56px; }
.split-feature .split-media { border-radius: var(--radius-lg) var(--radius-lg) 0 0; overflow: hidden; box-shadow: var(--shadow-md); }
.split-feature .split-media img { width: 100%; height: 100%; min-height: 380px; object-fit: cover; border-radius: var(--radius-lg) var(--radius-lg) 0 0; box-shadow: none; }
.split-feature .feature-grid { margin-top: 36px; }

.apply-grid { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 32px; align-items: stretch; }
.apply-info .checklist { margin-top: 16px; }
.progress-list { margin-top: 30px; display: flex; flex-direction: column; gap: 20px; }
.progress-list .bar-item .bar-label { color: var(--c-primary); }
.progress-list .bar-track { background: rgba(10,10,10,0.08); }

.apply-visual { display: grid; grid-template-columns: 1fr 1.15fr; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); align-items: stretch; }
.apply-visual-media { background-size: cover; background-position: center; min-height: 340px; }
.apply-visual .form-panel--dark { border-radius: 0; border: none; box-shadow: none; height: 100%; }

.eligibility-card { display: grid; grid-template-columns: 1fr 1fr; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); }
.eligibility-panel { padding: 48px 44px; }
.eligibility-panel--gold { background: linear-gradient(135deg, var(--c-accent) 0%, var(--c-accent-dark) 100%); color: #fff; }
.eligibility-panel--gold h3 { color: #fff; }
.eligibility-panel--gold p { color: rgba(255,255,255,0.9); }
.eligibility-panel--light { background: #fff; }
.eligibility-panel--light h3 { color: var(--c-accent-dark); }
.eligibility-panel--light .eligibility-list li { color: var(--c-accent-dark); }
.eyebrow-outline { display: inline-flex; align-items: center; gap: 8px; font-size: 13px; font-weight: 700; padding: 8px 18px; border-radius: 999px; margin-bottom: 18px; border: 1.5px solid; background: transparent; }
.eyebrow-outline .dot { width: 6px; height: 6px; border-radius: 50%; background: currentColor; display: inline-block; }
.eligibility-panel--gold .eyebrow-outline { border-color: rgba(255,255,255,0.55); color: #fff; }
.eligibility-panel--light .eyebrow-outline { border-color: var(--c-accent); color: var(--c-accent-dark); }
.eligibility-list { list-style: disc; margin: 8px 0 0 20px; }
.eligibility-list li { display: list-item; padding: 6px 0; }

.form-panel.form-panel--dark { background: linear-gradient(160deg, #1a1a1a 0%, #000000 100%); border: 1px solid rgba(201,162,39,0.3); }
.form-panel--dark h3 { color: #fff; }
.form-panel--dark .muted { color: rgba(255,255,255,0.65); }
.form-panel--dark .form-field label { color: rgba(255,255,255,0.85); }
.form-panel--dark .form-field input, .form-panel--dark .form-field textarea { background: rgba(255,255,255,0.07); border-color: rgba(255,255,255,0.18); color: #fff; }
.form-panel--dark .form-field input::placeholder, .form-panel--dark .form-field textarea::placeholder { color: rgba(255,255,255,0.45); }
.form-panel--dark .form-field input:focus, .form-panel--dark .form-field textarea:focus { background: rgba(255,255,255,0.12); border-color: var(--c-accent); }
.form-panel--dark .form-note { color: rgba(255,255,255,0.55); }

.vision-band { position: relative; background-size: cover; background-position: center; color: rgba(255,255,255,0.85); padding: 90px 0; }
.vision-band::after { content: ""; position: absolute; inset: 0; background: linear-gradient(120deg, rgba(0,0,0,0.92) 0%, rgba(0,0,0,0.74) 100%); }
.vision-band .container { position: relative; z-index: 1; }
.vision-band .eyebrow { background: rgba(255,255,255,0.12); color: #fff; }
.vision-band h2 { color: #fff; }
.vision-grid { display: grid; grid-template-columns: 1.6fr 1fr; gap: 56px; align-items: start; }
.vision-pair { margin: 18px 0 6px; }
.vision-pair h4 { color: var(--c-accent-light); font-size: 14px; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 6px; }
.vision-pair p:last-child { margin-bottom: 22px; }
.quote-callout { background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-md); padding: 26px 30px; display: flex; align-items: center; justify-content: space-between; gap: 24px; margin: 30px 0; flex-wrap: wrap; }
.quote-callout blockquote { margin: 0; font-style: italic; font-size: 18px; font-weight: 600; color: var(--c-primary); flex: 1; min-width: 260px; border-left: 4px solid var(--c-accent); padding-left: 20px; }
.callout-widget { display: flex; align-items: center; gap: 14px; flex: none; }
.callout-widget .fc-icon { width: 52px; height: 52px; border-radius: 50%; background: var(--c-surface-alt); display: flex; align-items: center; justify-content: center; font-size: 20px; color: var(--c-accent-dark); flex: none; }
.callout-widget strong { display: block; font-size: 13px; color: var(--c-text); font-weight: 600; }
.callout-widget a { font-weight: 800; font-size: 17px; color: var(--c-primary); }
.strength-card--static { display: block; position: static; width: auto; max-width: none; }

/* ==========================================================================
   9b. CTA banner (photo | colour panel)
   ========================================================================== */
.cta-banner { display: grid; grid-template-columns: 1fr 1fr; align-items: stretch; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-md); }
.cta-banner-media { background-size: cover; background-position: center; min-height: 320px; }
.cta-banner-panel {
  background: linear-gradient(160deg, #1a1a1a 0%, #000000 100%);
  color: #fff; padding: 56px; display: flex; flex-direction: column; justify-content: center;
}
.cta-banner-panel h2 { color: #fff; }
.cta-banner-panel p { color: rgba(255,255,255,0.8); }
.btn--light { background: linear-gradient(135deg, var(--c-accent-light) 0%, var(--c-accent) 100%); color: var(--c-on-gold); }
.btn--light:hover { box-shadow: var(--shadow-md); }

/* ==========================================================================
   10. FAQ section - dark band, stacked photos + pill accordion
   ========================================================================== */
.section--dark {
  background: linear-gradient(150deg, #000000 0%, #1a1a1a 100%);
  color: rgba(255,255,255,0.82);
}
.section--dark .eyebrow { background: rgba(255,255,255,0.12); color: #fff; }
.section--dark h2 { color: #fff; }
.section--dark .muted { color: rgba(255,255,255,0.75); }

.faq-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 64px; align-items: center; }
.faq-photo-stack { position: relative; padding-bottom: 20%; }
.faq-photo-stack img { border-radius: var(--radius-lg); box-shadow: var(--shadow-md); }
.faq-photo-stack .photo-main { width: 82%; aspect-ratio: 4/5; object-fit: cover; }
.faq-photo-stack .photo-sub { position: absolute; right: 0; bottom: 0; width: 58%; aspect-ratio: 4/3; object-fit: cover; border: 6px solid var(--c-secondary-2); }
.faq-photo-stack .float-card--faq {
  position: absolute; left: 0; bottom: 6%; background: #fff; max-width: 240px;
}

.faq-list { max-width: 640px; }
.faq-item { border-radius: 999px; margin-bottom: 14px; overflow: hidden; background: rgba(255,255,255,0.08); border: 1px solid rgba(201,162,39,0.2); transition: background 0.3s var(--ease); }
.faq-item.is-open { background: linear-gradient(120deg, var(--c-accent-light) 0%, var(--c-accent) 100%); border-color: transparent; }
.faq-question {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
  background: none; border: none; text-align: left; padding: 20px 26px; font-size: 16px; font-weight: 700; color: #fff;
}
.faq-item.is-open .faq-question { color: var(--c-on-gold); }
.faq-question .plus { width: 30px; height: 30px; border-radius: 50%; background: rgba(255,255,255,0.18); position: relative; flex: none; }
.faq-item.is-open .plus { background: rgba(0,0,0,0.15); }
.faq-question .plus::before, .faq-question .plus::after { content: ""; position: absolute; background: #fff; top: 50%; left: 50%; transform: translate(-50%,-50%); }
.faq-item.is-open .plus::before, .faq-item.is-open .plus::after { background: var(--c-on-gold); }
.faq-question .plus::before { width: 12px; height: 2px; }
.faq-question .plus::after { width: 2px; height: 12px; transition: transform 0.3s var(--ease); }
.faq-item.is-open .plus::after { transform: translate(-50%,-50%) rotate(90deg) scale(0); }
.faq-item.is-open .plus { transform: rotate(-90deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.45s var(--ease); }
.faq-answer p { padding: 0 26px 22px; margin: 0; color: rgba(255,255,255,0.92); font-size: 15px; }
.faq-item.is-open .faq-answer p { color: rgba(10,10,10,0.85); }

/* ==========================================================================
   11. Application form
   ========================================================================== */
.form-panel {
  background: var(--c-surface); border-radius: var(--radius-lg); box-shadow: var(--shadow-md);
  padding: 48px; border: 1px solid var(--c-border);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-field { margin-bottom: 20px; }
.form-field label { display: block; font-weight: 600; font-size: 14px; color: var(--c-primary); margin-bottom: 8px; }
.form-field input, .form-field textarea {
  width: 100%; padding: 14px 18px; border-radius: var(--radius-sm); border: 1.5px solid var(--c-border);
  font-family: var(--font-family); font-size: 15px; color: var(--c-primary); background: var(--c-surface-alt);
  transition: border-color 0.25s var(--ease), background 0.25s var(--ease);
}
.form-field input:focus, .form-field textarea:focus { outline: none; border-color: var(--c-accent); background: #fff; }
.form-field textarea { resize: vertical; min-height: 120px; }
.form-submit { width: 100%; justify-content: center; }
.form-note { font-size: 13px; color: var(--c-text); margin-top: 14px; text-align: center; }
.form-status { margin-top: 16px; padding: 14px 18px; border-radius: var(--radius-sm); font-size: 14px; display: none; }
.form-status.is-success { display: block; background: rgba(201,162,39,0.14); color: var(--c-accent-dark); }
.form-status.is-error { display: block; background: rgba(237,32,34,0.1); color: #C4231F; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; padding: 10px 0; color: #fff; }
.checklist .tick { width: 22px; height: 22px; border-radius: 50%; background: rgba(255,255,255,0.18); flex: none; display: flex; align-items: center; justify-content: center; font-size: 12px; }

/* ==========================================================================
   12. Footer
   ========================================================================== */
.site-footer { background: var(--c-secondary-2); color: rgba(255,255,255,0.78); padding: 80px 0 0; }
.footer-grid { display: grid; grid-template-columns: 1.3fr 0.8fr 1fr 1fr; gap: 40px; padding-bottom: 60px; border-bottom: 1px solid rgba(255,255,255,0.12); }
.footer-brand { color: #fff; font-weight: 800; font-size: 20px; margin-bottom: 16px; display: flex; align-items: center; gap: 10px; }
.footer-col h5 { color: #fff; font-size: 15px; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 22px; }
.footer-col ul li { margin-bottom: 12px; }
.footer-col a { color: rgba(255,255,255,0.72); transition: color 0.25s var(--ease); }
.footer-col a:hover { color: var(--c-accent-light); }
.footer-contact li { display: flex; gap: 12px; margin-bottom: 16px; color: rgba(255,255,255,0.8); }
.footer-contact .footer-icon { flex: none; width: 18px; height: 18px; margin-top: 2px; color: var(--c-accent-light); }
.footer-contact .footer-icon svg { width: 100%; height: 100%; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.subscribe-form { display: flex; gap: 10px; margin-top: 16px; }
.subscribe-form input {
  flex: 1; padding: 13px 16px; border-radius: 999px; border: 1px solid rgba(255,255,255,0.2);
  background: rgba(255,255,255,0.06); color: #fff; font-family: var(--font-family);
}
.subscribe-form input::placeholder { color: rgba(255,255,255,0.5); }
.subscribe-form button { border-radius: 999px; padding: 13px 24px; background: linear-gradient(135deg, var(--c-accent-light), var(--c-accent)); color: var(--c-on-gold); border: none; font-weight: 700; }
.social-row { display: flex; gap: 12px; margin-top: 22px; }
.social-row a {
  width: 40px; height: 40px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.2);
  display: flex; align-items: center; justify-content: center; color: #fff;
  transition: background 0.25s var(--ease), transform 0.3s var(--ease), color 0.25s var(--ease);
}
.social-row a:hover { background: var(--c-accent); color: var(--c-on-gold); transform: translateY(-3px); }
.footer-bottom { display: flex; justify-content: space-between; padding: 26px 0; font-size: 13px; flex-wrap: wrap; gap: 10px; }

/* ==========================================================================
   13. Scroll-reveal animation utility
   ========================================================================== */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.8s var(--ease), transform 0.8s var(--ease); }
.reveal.is-visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
@keyframes float { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-14px); } }
.float { animation: float 5s ease-in-out infinite; }

/* ==========================================================================
   14. Responsive
   ========================================================================== */
@media (max-width: 991px) {
  .card-grid { grid-template-columns: 1fr; }
  .stats-strip { grid-template-columns: 1fr 1fr; max-width: none; }
  .feature-grid { grid-template-columns: 1fr; }
  .split, .split-reverse { grid-template-columns: 1fr; }
  .split-reverse .split-media { order: 0; }
  .approach-grid { grid-template-columns: 1fr; }
  .approach-media, .approach-media-2 { max-width: 420px; margin: 0 auto; }
  .float-card--approach { position: static; margin-top: 20px; }
  .cta-banner { grid-template-columns: 1fr; }
  .cta-banner-media { min-height: 220px; }
  .faq-grid { grid-template-columns: 1fr; }
  .faq-photo-stack { max-width: 420px; margin: 0 auto 40px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .form-row { grid-template-columns: 1fr; }
  .split-feature { grid-template-columns: 1fr; }
  .split-feature .split-media img { min-height: 280px; }
  .apply-grid { grid-template-columns: 1fr; }
  .apply-visual { grid-template-columns: 1fr; }
  .apply-visual-media { min-height: 220px; }
  .vision-grid { grid-template-columns: 1fr; }
  .quote-callout { flex-direction: column; align-items: flex-start; }
  .eligibility-card { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .stats-strip, .footer-grid { grid-template-columns: 1fr; }
}
@media (max-width: 991px) {
  .section--after-band { padding-top: 64px; }
}
@media (max-width: 900px) {
  .main-nav, .header-cta .btn { display: none; }
  .nav-toggle { display: block; }
  .site-header { padding: 8px 8px 8px 14px; }
  .site-branding { gap: 6px; }
  .site-branding .brand-logo-full { height: 32px; }
  .site-header.is-open .main-nav {
    display: flex; position: absolute; top: calc(100% + 12px); left: 0; right: 0;
    background: #fff; border-radius: var(--radius-md); box-shadow: var(--shadow-md); padding: 16px;
  }
  .site-header.is-open .main-nav ul { flex-direction: column; align-items: stretch; }
  .site-header.is-open .main-nav ul ul { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; display: none; }
  .site-header.is-open .main-nav li.is-open > ul { display: flex; }
}
@media (max-width: 640px) {
  .hero { padding-top: 150px; }
  h1 { font-size: 34px; }
  h2 { font-size: 27px; }
  .section { padding: 64px 0; }
  .form-panel { padding: 28px; }
}
@media (max-width: 380px) {
  .site-branding .brand-logo-full { height: 26px; }
}