/* ==========================================================================
   Pinnacle Benefits Group — Careers
   Design system: deep navy + warm gold, premium editorial
   ========================================================================== */

/* ---------- 1. Tokens ---------- */
:root{
  /* Brand — change these five and the whole site re-skins */
  --navy-900:#050D1A;
  --navy-800:#0A182C;
  --navy-700:#0F2440;
  --navy-600:#16324F;
  --gold-500:#C9A227;
  --gold-400:#DCBB4E;
  --gold-300:#EBD489;

  --paper:#FBFAF7;
  --paper-2:#F2EFE8;
  --line:#E2DED4;

  --ink-900:#0B1220;
  --ink-700:#2C3648;
  --ink-500:#5A6478;
  --ink-300:#8A93A5;

  --on-navy:#EFEFEA;
  --on-navy-dim:#A9B4C6;

  /* Type */
  --font-display:'Fraunces',ui-serif,Georgia,'Times New Roman',serif;
  --font-sans:'Inter','Inter var',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;

  /* Rhythm */
  --container:1180px;
  --gutter:clamp(20px,5vw,48px);
  --section-y:clamp(64px,9vw,124px);
  --radius:14px;
  --radius-lg:22px;

  --shadow-sm:0 1px 2px rgba(11,18,32,.05),0 4px 12px rgba(11,18,32,.05);
  --shadow-md:0 2px 4px rgba(11,18,32,.06),0 14px 38px rgba(11,18,32,.10);
  --shadow-lg:0 30px 70px rgba(5,13,26,.28);

  --ease:cubic-bezier(.22,.61,.36,1);
}

/* ---------- 2. Reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:90px}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink-900);
  font-family:var(--font-sans);
  font-size:17px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img,svg,video{display:block;max-width:100%;height:auto}
a{color:inherit}
button{font:inherit;color:inherit}
h1,h2,h3,h4{margin:0;font-family:var(--font-display);font-weight:600;line-height:1.08;letter-spacing:-.02em;
  font-variation-settings:'SOFT' 0,'WONK' 0,'opsz' 40}
p{margin:0}
ul{margin:0;padding:0;list-style:none}
:focus-visible{outline:2px solid var(--gold-500);outline-offset:3px;border-radius:4px}

/* ---------- 3. Layout primitives ---------- */
.wrap{width:100%;max-width:var(--container);margin-inline:auto;padding-inline:var(--gutter)}
.wrap--narrow{max-width:820px}
.section{padding-block:var(--section-y)}
.section--tight{padding-block:clamp(48px,6vw,84px)}
.section--navy{background:var(--navy-800);color:var(--on-navy)}
.section--navy h1,.section--navy h2,.section--navy h3{color:#fff}
.section--paper2{background:var(--paper-2)}

.grid{display:grid;gap:clamp(20px,3vw,32px)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.grid-2,.grid-3,.grid-4{grid-template-columns:1fr}}

/* ---------- 4. Type scale ---------- */
.display{font-size:clamp(2.6rem,6.4vw,4.6rem);line-height:1.02;letter-spacing:-.035em}
.h1{font-size:clamp(2.2rem,5vw,3.5rem)}
.h2{font-size:clamp(1.9rem,3.6vw,2.9rem)}
.h3{font-size:clamp(1.25rem,2vw,1.6rem);letter-spacing:-.015em}
.h4{font-size:1.08rem;font-family:var(--font-sans);font-weight:650;letter-spacing:-.01em;line-height:1.35}

.eyebrow{
  display:inline-flex;align-items:center;gap:.6em;
  font-family:var(--font-sans);font-size:.74rem;font-weight:650;
  letter-spacing:.16em;text-transform:uppercase;color:var(--gold-500);margin-bottom:1.1rem;
}
.eyebrow::before{content:"";width:26px;height:1px;background:currentColor;opacity:.7}
.section--navy .eyebrow{color:var(--gold-400)}

.lede{font-size:clamp(1.06rem,1.5vw,1.22rem);color:var(--ink-500);line-height:1.62;max-width:62ch}
.section--navy .lede{color:var(--on-navy-dim)}
.muted{color:var(--ink-500)}
.section--navy .muted{color:var(--on-navy-dim)}
.gold{color:var(--gold-500)}
.stack>*+*{margin-top:1.1rem}
.stack-sm>*+*{margin-top:.55rem}

/* ---------- 5. Buttons ---------- */
.btn{
  --btn-bg:var(--gold-500);--btn-fg:var(--navy-900);--btn-bd:var(--gold-500);
  display:inline-flex;align-items:center;justify-content:center;gap:.6em;
  padding:.92em 1.6em;border:1px solid var(--btn-bd);border-radius:999px;
  background:var(--btn-bg);color:var(--btn-fg);
  font-size:.94rem;font-weight:650;letter-spacing:-.005em;text-decoration:none;cursor:pointer;
  transition:transform .22s var(--ease),box-shadow .22s var(--ease),background .22s var(--ease),color .22s var(--ease);
  will-change:transform;
}
.btn:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(201,162,39,.32)}
.btn:active{transform:translateY(0)}
.btn--ghost{--btn-bg:transparent;--btn-fg:var(--ink-900);--btn-bd:var(--line)}
.btn--ghost:hover{--btn-bd:var(--ink-900);box-shadow:none}
.section--navy .btn--ghost,.hero .btn--ghost,.page-hero .btn--ghost,.cta-band .btn--ghost{--btn-fg:#fff;--btn-bd:rgba(255,255,255,.30)}
.section--navy .btn--ghost:hover,.hero .btn--ghost:hover,.page-hero .btn--ghost:hover,.cta-band .btn--ghost:hover{--btn-bd:rgba(255,255,255,.75);background:rgba(255,255,255,.06)}
.btn--navy{--btn-bg:var(--navy-800);--btn-fg:#fff;--btn-bd:var(--navy-800)}
.btn--navy:hover{box-shadow:0 10px 26px rgba(10,24,44,.28)}
.btn--lg{padding:1.05em 2em;font-size:1rem}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;align-items:center}

.arrow{transition:transform .22s var(--ease)}
.btn:hover .arrow{transform:translateX(3px)}

/* ---------- 6. Header ---------- */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(251,250,247,.82);
  backdrop-filter:saturate(150%) blur(14px);
  -webkit-backdrop-filter:saturate(150%) blur(14px);
  border-bottom:1px solid transparent;
  transition:border-color .3s var(--ease),background .3s var(--ease);
}
.site-header.is-stuck{border-bottom-color:var(--line);background:rgba(251,250,247,.94)}
.nav{display:flex;align-items:center;gap:26px;height:74px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;margin-right:auto;flex-shrink:0}
.brand__mark{width:36px;height:36px;flex-shrink:0}
.brand__text{display:flex;flex-direction:column;line-height:1.1}
.brand__name{font-family:var(--font-display);font-weight:600;font-size:1.02rem;letter-spacing:-.02em}
.brand__sub{font-size:.62rem;letter-spacing:.2em;text-transform:uppercase;color:var(--ink-300);font-weight:600}

.nav__links{display:flex;align-items:center;gap:4px}
.nav__link{
  padding:.5em .85em;border-radius:8px;text-decoration:none;
  font-size:.93rem;font-weight:520;color:var(--ink-700);
  transition:color .18s var(--ease),background .18s var(--ease);
}
.nav__link:hover{color:var(--ink-900);background:rgba(11,18,32,.045)}
.nav__link[aria-current="page"]{color:var(--ink-900);font-weight:650}
.nav__cta{margin-left:10px}

.nav__toggle{
  display:none;width:42px;height:42px;align-items:center;justify-content:center;
  background:none;border:1px solid var(--line);border-radius:10px;cursor:pointer;
}
.nav__toggle span{display:block;width:17px;height:1.5px;background:var(--ink-900);position:relative;transition:.25s var(--ease)}
.nav__toggle span::before,.nav__toggle span::after{content:"";position:absolute;left:0;width:17px;height:1.5px;background:var(--ink-900);transition:.25s var(--ease)}
.nav__toggle span::before{top:-5.5px}
.nav__toggle span::after{top:5.5px}
.nav__toggle[aria-expanded="true"] span{background:transparent}
.nav__toggle[aria-expanded="true"] span::before{top:0;transform:rotate(45deg)}
.nav__toggle[aria-expanded="true"] span::after{top:0;transform:rotate(-45deg)}

@media(max-width:900px){
  .nav__toggle{display:flex}
  .nav__links{
    position:absolute;top:100%;left:0;right:0;
    flex-direction:column;align-items:stretch;gap:2px;
    background:var(--paper);border-bottom:1px solid var(--line);
    padding:14px var(--gutter) 22px;
    box-shadow:var(--shadow-md);
    opacity:0;visibility:hidden;transform:translateY(-8px);
    transition:.24s var(--ease);
  }
  .nav__links.is-open{opacity:1;visibility:visible;transform:none}
  .nav__link{padding:.75em .4em;font-size:1.02rem}
  .nav__cta{margin:10px 0 0}
}

/* ---------- 7. Hero ---------- */
.hero{position:relative;background:var(--navy-900);color:var(--on-navy);overflow:hidden}
.hero__bg{position:absolute;inset:0;pointer-events:none}
.hero__bg::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(900px 520px at 78% 8%,rgba(201,162,39,.20),transparent 62%),
    radial-gradient(760px 620px at 8% 92%,rgba(22,50,79,.85),transparent 66%),
    linear-gradient(168deg,var(--navy-900) 0%,var(--navy-700) 58%,var(--navy-800) 100%);
}
.hero__grid-lines{
  position:absolute;inset:0;opacity:.16;
  background-image:linear-gradient(rgba(255,255,255,.07) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.07) 1px,transparent 1px);
  background-size:74px 74px;
  mask-image:radial-gradient(circle at 50% 30%,#000 10%,transparent 78%);
  -webkit-mask-image:radial-gradient(circle at 50% 30%,#000 10%,transparent 78%);
}
.hero__inner{position:relative;padding-block:clamp(66px,10vw,120px) clamp(56px,8vw,104px)}
.hero__layout{display:grid;grid-template-columns:1.03fr .97fr;gap:clamp(34px,5vw,64px);align-items:center}
@media(max-width:960px){.hero__layout{grid-template-columns:1fr}}

.hero .display{color:#fff}
.hero .display em{font-style:normal;color:var(--gold-400);position:relative;white-space:nowrap}
.hero .display em::after{
  content:"";position:absolute;left:0;right:0;bottom:.06em;height:.055em;
  background:linear-gradient(90deg,var(--gold-500),transparent);border-radius:2px;
}
.hero__lede{color:var(--on-navy-dim);font-size:clamp(1.06rem,1.6vw,1.24rem);max-width:52ch;margin-top:1.4rem}

.pill{
  display:inline-flex;align-items:center;gap:.55em;
  padding:.45em 1em;border-radius:999px;
  border:1px solid rgba(201,162,39,.4);background:rgba(201,162,39,.10);
  color:var(--gold-300);font-size:.76rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;
}
.pill__dot{width:7px;height:7px;border-radius:50%;background:var(--gold-400);box-shadow:0 0 0 4px rgba(220,187,78,.18)}

/* Two-step cards */
.steps{display:grid;gap:14px;margin-top:2.4rem}
.step{
  display:flex;gap:16px;align-items:flex-start;
  padding:18px 20px;border-radius:var(--radius);
  background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.09);
  transition:border-color .25s var(--ease),background .25s var(--ease),transform .25s var(--ease);
}
.step:hover{background:rgba(255,255,255,.075);border-color:rgba(201,162,39,.42);transform:translateX(3px)}
.step__num{
  flex-shrink:0;width:34px;height:34px;border-radius:50%;
  display:grid;place-items:center;
  background:var(--gold-500);color:var(--navy-900);
  font-family:var(--font-display);font-weight:600;font-size:.98rem;
}
.step__body h4{color:#fff;margin-bottom:.2rem}
.step__body p{color:var(--on-navy-dim);font-size:.93rem;line-height:1.55}

/* Video frame */
.video-frame{
  position:relative;border-radius:var(--radius-lg);overflow:hidden;
  background:var(--navy-700);border:1px solid rgba(255,255,255,.12);
  box-shadow:var(--shadow-lg);
  aspect-ratio:16/10;
}
.video-frame iframe,.video-frame video{position:absolute;inset:0;width:100%;height:100%;border:0;object-fit:cover}
.video-frame__placeholder{
  position:absolute;inset:0;display:grid;place-items:center;text-align:center;padding:26px;
  background:linear-gradient(145deg,var(--navy-700),var(--navy-900));
}
.video-frame__play{
  width:66px;height:66px;border-radius:50%;background:var(--gold-500);
  display:grid;place-items:center;margin:0 auto 16px;
  box-shadow:0 0 0 0 rgba(201,162,39,.5);animation:pulse 2.6s infinite;
}
@keyframes pulse{70%{box-shadow:0 0 0 22px rgba(201,162,39,0)}100%{box-shadow:0 0 0 0 rgba(201,162,39,0)}}
.video-frame__play svg{margin-left:4px}
.video-caption{margin-top:12px;font-size:.82rem;color:var(--on-navy-dim);text-align:center}

/* ---------- 8. Stat bar ---------- */
.statbar{border-top:1px solid rgba(255,255,255,.10);position:relative}
.statbar__grid{display:grid;grid-template-columns:repeat(4,1fr)}
@media(max-width:760px){.statbar__grid{grid-template-columns:repeat(2,1fr)}}
.stat{padding:30px 22px;border-right:1px solid rgba(255,255,255,.10);text-align:center}
.stat:last-child{border-right:0}
@media(max-width:760px){
  .stat{border-bottom:1px solid rgba(255,255,255,.10)}
  .stat:nth-child(2n){border-right:0}
  .stat:nth-last-child(-n+2){border-bottom:0}
}
.stat__num{font-family:var(--font-display);font-size:clamp(1.9rem,3.4vw,2.7rem);font-weight:600;color:var(--gold-400);line-height:1;letter-spacing:-.03em}
.stat__label{margin-top:.55rem;font-size:.78rem;letter-spacing:.11em;text-transform:uppercase;color:var(--on-navy-dim);font-weight:600}

/* ---------- 9. Section head ---------- */
.section-head{max-width:66ch;margin-bottom:clamp(34px,4.5vw,58px)}
.section-head--center{margin-inline:auto;text-align:center}
.section-head--center .eyebrow{justify-content:center}
.section-head p{margin-top:1.05rem}

/* ---------- 10. Cards ---------- */
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:clamp(24px,2.6vw,32px);
  transition:transform .28s var(--ease),box-shadow .28s var(--ease),border-color .28s var(--ease);
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:#D6D0C2}
.card__icon{
  width:46px;height:46px;border-radius:12px;display:grid;place-items:center;margin-bottom:18px;
  background:linear-gradient(140deg,var(--navy-700),var(--navy-800));color:var(--gold-400);
}
.card h3,.card .h4{margin-bottom:.5rem}
.card p{color:var(--ink-500);font-size:.96rem;line-height:1.6}

.card--navy{background:rgba(255,255,255,.045);border-color:rgba(255,255,255,.10)}
.card--navy:hover{border-color:rgba(201,162,39,.4);box-shadow:none}
.card--navy p{color:var(--on-navy-dim)}
.card--navy .card__icon{background:rgba(201,162,39,.14);color:var(--gold-400)}

/* Numbered feature list */
.numlist{counter-reset:n}
.numlist li{
  counter-increment:n;position:relative;padding-left:3.4rem;padding-block:1.05rem;
  border-bottom:1px solid var(--line);
}
.numlist li:last-child{border-bottom:0}
.numlist li::before{
  content:"0" counter(n);position:absolute;left:0;top:1.05rem;
  font-family:var(--font-display);font-size:.98rem;font-weight:600;color:var(--gold-500);
  letter-spacing:.02em;
}
.numlist h4{margin-bottom:.2rem}
.numlist p{color:var(--ink-500);font-size:.95rem}
.section--navy .numlist li{border-color:rgba(255,255,255,.10)}

/* Checklist */
.checklist li{position:relative;padding-left:2rem;margin-bottom:.85rem;color:var(--ink-700);font-size:.98rem;line-height:1.55}
.checklist li:last-child{margin-bottom:0}
.checklist li::before{
  content:"";position:absolute;left:0;top:.34em;width:19px;height:19px;border-radius:50%;
  background:var(--gold-500) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M20 6.5L9.4 17.1 4 11.7' fill='none' stroke='%230A182C' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/12px no-repeat;
}
.section--navy .checklist li{color:var(--on-navy-dim)}

/* ---------- 11. Split media ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(30px,5vw,68px);align-items:center}
@media(max-width:880px){.split{grid-template-columns:1fr}.split--flip .split__media{order:-1}}
.split__media{position:relative}
.media-frame{
  border-radius:var(--radius-lg);overflow:hidden;border:1px solid var(--line);
  background:var(--paper-2);box-shadow:var(--shadow-md);aspect-ratio:4/3;position:relative;
}
.media-frame img{width:100%;height:100%;object-fit:cover}
.media-frame--tall{aspect-ratio:3/4}
.media-badge{
  position:absolute;bottom:-18px;right:-12px;
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:16px 20px;box-shadow:var(--shadow-md);max-width:230px;
}
@media(max-width:880px){.media-badge{right:12px}}
.media-badge__num{font-family:var(--font-display);font-size:1.7rem;font-weight:600;color:var(--navy-800);line-height:1}
.media-badge__label{font-size:.76rem;color:var(--ink-500);margin-top:.25rem;line-height:1.35}

/* ---------- 12. Role badges ---------- */
.badges{display:flex;flex-wrap:wrap;gap:10px}
.badge{
  display:inline-flex;align-items:center;gap:.5em;
  padding:.55em 1.05em;border-radius:999px;
  background:var(--paper-2);border:1px solid var(--line);
  font-size:.85rem;font-weight:600;color:var(--ink-700);
}
.section--navy .badge{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.13);color:var(--on-navy)}
.badge svg{color:var(--gold-500)}

/* Role headline card */
.role-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  overflow:hidden;box-shadow:var(--shadow-md);
}
.role-card__top{
  background:linear-gradient(140deg,var(--navy-800),var(--navy-700));
  color:#fff;padding:clamp(28px,3.4vw,40px);
}
.role-card__top h2{color:#fff}
.role-card__body{padding:clamp(26px,3.2vw,40px);display:grid;grid-template-columns:1fr 1fr;gap:clamp(26px,3.6vw,48px)}
@media(max-width:760px){.role-card__body{grid-template-columns:1fr}}
.role-card__col h4{margin-bottom:1rem;padding-bottom:.7rem;border-bottom:1px solid var(--line)}

.spec-row{display:flex;flex-wrap:wrap;gap:0;margin-top:1.8rem;border-top:1px solid rgba(255,255,255,.14);padding-top:1.4rem}
.spec{padding-right:34px;margin-right:34px;border-right:1px solid rgba(255,255,255,.14)}
.spec:last-child{border-right:0;margin-right:0;padding-right:0}
@media(max-width:620px){.spec{border-right:0;padding-right:0;margin-right:0;width:100%;margin-bottom:14px}}
.spec__k{font-size:.72rem;letter-spacing:.13em;text-transform:uppercase;color:var(--on-navy-dim);font-weight:600}
.spec__v{font-family:var(--font-display);font-size:1.4rem;font-weight:600;color:var(--gold-400);margin-top:.2rem;line-height:1.15}

/* ---------- 13. Team ---------- */
.person{text-align:left}
.person__photo{
  position:relative;border-radius:var(--radius);overflow:hidden;
  aspect-ratio:4/5;background:var(--paper-2);border:1px solid var(--line);
  transition:transform .35s var(--ease),box-shadow .35s var(--ease);
}
.person:hover .person__photo{transform:translateY(-5px);box-shadow:var(--shadow-md)}
.person__photo img{width:100%;height:100%;object-fit:cover;filter:saturate(.96)}
.person__name{margin-top:1rem;font-family:var(--font-display);font-size:1.16rem;font-weight:600;letter-spacing:-.02em}
.person__role{font-size:.83rem;letter-spacing:.09em;text-transform:uppercase;color:var(--gold-500);font-weight:650;margin-top:.25rem}
.person__bio{margin-top:.6rem;font-size:.93rem;color:var(--ink-500);line-height:1.58}
.section--navy .person__name{color:#fff}
.section--navy .person__bio{color:var(--on-navy-dim)}
.section--navy .person__photo{background:var(--navy-700);border-color:rgba(255,255,255,.12)}

/* ---------- 14. Testimonials ---------- */
.quote{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:clamp(24px,2.8vw,34px);position:relative;
  display:flex;flex-direction:column;
}
.quote__mark{font-family:var(--font-display);font-size:3.4rem;line-height:.7;color:var(--gold-300);margin-bottom:.4rem}
.quote__text{font-size:1.02rem;line-height:1.62;color:var(--ink-700);flex:1}
.quote__who{display:flex;align-items:center;gap:12px;margin-top:1.6rem;padding-top:1.2rem;border-top:1px solid var(--line)}
.quote__avatar{width:44px;height:44px;border-radius:50%;object-fit:cover;background:var(--paper-2);flex-shrink:0;border:1px solid var(--line)}
.quote__name{display:block;font-weight:650;font-size:.94rem}
.quote__meta{display:block;font-size:.82rem;color:var(--ink-300)}

/* ---------- 15. Video cards ---------- */
.vidcard{
  position:relative;border-radius:var(--radius);overflow:hidden;
  aspect-ratio:9/13;background:var(--navy-700);border:1px solid var(--line);
  transition:transform .3s var(--ease),box-shadow .3s var(--ease);
  display:block;text-decoration:none;
}
.vidcard:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.vidcard img,.vidcard video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.vidcard__scrim{position:absolute;inset:0;background:linear-gradient(to top,rgba(5,13,26,.86) 0%,rgba(5,13,26,.12) 55%,transparent 100%)}
.vidcard__play{
  position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);
  width:52px;height:52px;border-radius:50%;
  background:rgba(255,255,255,.16);backdrop-filter:blur(6px);
  border:1px solid rgba(255,255,255,.4);display:grid;place-items:center;
  transition:background .25s var(--ease),transform .25s var(--ease);
}
.vidcard:hover .vidcard__play{background:var(--gold-500);border-color:var(--gold-500);transform:translate(-50%,-50%) scale(1.08)}
.vidcard__meta{position:absolute;left:18px;right:18px;bottom:16px;color:#fff}
.vidcard__name{display:block;font-family:var(--font-display);font-size:1.05rem;font-weight:600}
.vidcard__role{display:block;font-size:.78rem;color:rgba(255,255,255,.72);margin-top:.15rem}

/* ---------- 16. Process timeline ---------- */
.timeline{display:grid;grid-template-columns:repeat(3,1fr);gap:0;position:relative}
@media(max-width:820px){.timeline{grid-template-columns:1fr;gap:8px}}
.tl-step{position:relative;padding:0 26px}
.tl-step:first-child{padding-left:0}
.tl-step:last-child{padding-right:0}
@media(max-width:820px){.tl-step{padding:0 0 0 46px}}
.tl-step__dot{
  width:44px;height:44px;border-radius:50%;display:grid;place-items:center;
  background:var(--gold-500);color:var(--navy-900);
  font-family:var(--font-display);font-weight:600;font-size:1.05rem;
  position:relative;z-index:2;margin-bottom:20px;
}
@media(max-width:820px){.tl-step__dot{position:absolute;left:0;top:0;width:34px;height:34px;font-size:.9rem;margin:0}}
.tl-step__line{
  position:absolute;top:22px;left:44px;right:-4px;height:1px;
  background:linear-gradient(90deg,var(--gold-500),rgba(201,162,39,.18));
}
.tl-step:first-child .tl-step__line{left:44px}
.tl-step:last-child .tl-step__line{display:none}
@media(max-width:820px){
  .tl-step__line{top:34px;left:17px;right:auto;bottom:-8px;width:1px;height:auto;
    background:linear-gradient(180deg,var(--gold-500),rgba(201,162,39,.18))}
  .tl-step{padding-bottom:26px}
  .tl-step:last-child{padding-bottom:0}
}
.tl-step h4{margin-bottom:.4rem}
.tl-step p{color:var(--ink-500);font-size:.95rem;line-height:1.58}
.section--navy .tl-step p{color:var(--on-navy-dim)}

/* ---------- 17. FAQ ---------- */
.faq{border-top:1px solid var(--line)}
.section--navy .faq{border-color:rgba(255,255,255,.12)}
.faq__item{border-bottom:1px solid var(--line)}
.section--navy .faq__item{border-color:rgba(255,255,255,.12)}
.faq__q{
  width:100%;display:flex;align-items:flex-start;justify-content:space-between;gap:24px;
  padding:1.35rem 0;background:none;border:0;cursor:pointer;text-align:left;
  font-family:var(--font-sans);font-size:1.05rem;font-weight:600;letter-spacing:-.012em;color:inherit;
  transition:color .2s var(--ease);
}
.faq__q:hover{color:var(--gold-500)}
.faq__icon{flex-shrink:0;width:22px;height:22px;position:relative;margin-top:.28em}
.faq__icon::before,.faq__icon::after{
  content:"";position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);
  background:var(--gold-500);border-radius:2px;transition:.28s var(--ease);
}
.faq__icon::before{width:14px;height:1.8px}
.faq__icon::after{width:1.8px;height:14px}
.faq__q[aria-expanded="true"] .faq__icon::after{transform:translate(-50%,-50%) rotate(90deg);opacity:0}
.faq__a{overflow:hidden;height:0;transition:height .32s var(--ease)}
.faq__a-inner{padding-bottom:1.5rem;color:var(--ink-500);font-size:1rem;line-height:1.66;max-width:72ch}
.section--navy .faq__a-inner{color:var(--on-navy-dim)}

/* ---------- 18. CTA band ---------- */
.cta-band{position:relative;overflow:hidden;background:var(--navy-900);color:#fff;text-align:center}
.cta-band::before{
  content:"";position:absolute;inset:0;
  background:radial-gradient(700px 400px at 50% 0%,rgba(201,162,39,.22),transparent 65%);
}
.cta-band__inner{position:relative;padding-block:clamp(58px,8vw,104px)}
.cta-band h2{color:#fff}
.cta-band .lede{margin:1.2rem auto 2rem;color:var(--on-navy-dim);text-align:center}
.cta-band .btn-row{justify-content:center}

/* ---------- 19. Page hero (inner pages) ---------- */
.page-hero{position:relative;background:var(--navy-900);color:var(--on-navy);overflow:hidden}
.page-hero::before{
  content:"";position:absolute;inset:0;
  background:
    radial-gradient(760px 420px at 82% 0%,rgba(201,162,39,.17),transparent 62%),
    linear-gradient(160deg,var(--navy-900),var(--navy-700) 75%,var(--navy-800));
}
.page-hero__inner{position:relative;padding-block:clamp(56px,7.5vw,96px)}
.page-hero h1{color:#fff;max-width:18ch}
.page-hero .lede{color:var(--on-navy-dim);margin-top:1.3rem}
.crumbs{font-size:.8rem;color:var(--on-navy-dim);margin-bottom:1.1rem;letter-spacing:.02em}
.crumbs a{text-decoration:none;color:var(--on-navy-dim);transition:color .2s}
.crumbs a:hover{color:var(--gold-400)}
.crumbs span{opacity:.5;margin-inline:.5em}

/* ---------- 20. Footer ---------- */
.site-footer{background:var(--navy-900);color:var(--on-navy-dim);padding-block:clamp(48px,6vw,72px) 30px;font-size:.93rem}
.footer__top{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:clamp(26px,4vw,48px);padding-bottom:38px;border-bottom:1px solid rgba(255,255,255,.11)}
@media(max-width:860px){.footer__top{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.footer__top{grid-template-columns:1fr}}
.site-footer .brand__name{color:#fff}
.site-footer .brand__sub{color:var(--ink-300)}
.footer__blurb{margin-top:1rem;max-width:36ch;line-height:1.6;font-size:.9rem}
.footer__h{color:#fff;font-size:.76rem;letter-spacing:.14em;text-transform:uppercase;font-weight:650;margin-bottom:1rem}
.footer__links li{margin-bottom:.6rem}
.footer__links a{text-decoration:none;transition:color .2s var(--ease)}
.footer__links a:hover{color:var(--gold-400)}
.socials{display:flex;gap:10px;margin-top:1.2rem}
.socials a{
  width:36px;height:36px;border-radius:9px;display:grid;place-items:center;
  border:1px solid rgba(255,255,255,.15);color:var(--on-navy-dim);
  transition:.22s var(--ease);
}
.socials a:hover{border-color:var(--gold-500);color:var(--gold-400);transform:translateY(-2px)}
.footer__bottom{display:flex;flex-wrap:wrap;gap:14px;justify-content:space-between;align-items:center;padding-top:24px;font-size:.82rem;color:var(--ink-300)}
.footer__bottom a{text-decoration:none}
.footer__bottom a:hover{color:var(--gold-400)}
.footer__legal{max-width:78ch;margin-top:18px;font-size:.76rem;line-height:1.6;color:#5B6779}

/* ---------- 21. Reveal on scroll ---------- */
.js .reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.js .reveal.is-in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;transition-duration:.001ms!important}
  .js .reveal{opacity:1;transform:none}
  html{scroll-behavior:auto}
}

/* ---------- 22. Utility ---------- */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip-link{position:absolute;left:-9999px;top:0;z-index:200;background:var(--navy-900);color:#fff;padding:12px 20px;border-radius:0 0 10px 0}
.skip-link:focus{left:0}
.center{text-align:center}
.mt-lg{margin-top:clamp(34px,4.5vw,56px)}
.divider{height:1px;background:var(--line);border:0;margin:0}