/*
Theme Name: Retirement Mandate V2
Theme URI: https://retirementmandate.com
Author: Kandelaki Solutions
Author URI: https://www.kandelakisolutions.com
Description: RetirementMandate.com — Premium redesign v2. Playfair Display + DM Sans, dark navy/amber palette.
Version: 2.0
License: Private
Text Domain: retirement-mandate-v2
*/

/* ============================================================
   CSS CUSTOM PROPERTIES
   ============================================================ */
:root {
  --navy:             #0f1d36;
  --navy-mid:         #172540;
  --navy-light:       #1e3258;
  --amber:            #e8a020;
  --amber-dark:       #c8840a;
  --amber-light:      #fdf3df;
  --cream:            #f9f6f0;
  --white:            #ffffff;
  --red-warn:         #c0392b;
  --text-on-dark:     #e8e4dc;
  --text-muted-dark:  #8fa0bb;
  --border-dark:      rgba(255,255,255,0.08);
  --border-light:     rgba(15,29,54,0.12);
  --footer-bg:        #08111f;

  --container-max:    1160px;
  --section-py:       80px;
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  font-size: 15px;
  line-height: 1.6;
  color: var(--navy);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
a:hover { text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }
[x-cloak] { display: none !important; }

/* ============================================================
   LAYOUT HELPERS
   ============================================================ */
.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 24px;
}

.section-py { padding-top: var(--section-py); padding-bottom: var(--section-py); }

/* ============================================================
   TYPOGRAPHY UTILITIES
   ============================================================ */
.font-playfair { font-family: 'Playfair Display', serif; }
.font-dm       { font-family: 'DM Sans', sans-serif; }

.section-label {
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  display: block;
  margin-bottom: 12px;
}
.section-label--amber-dark { color: var(--amber-dark); }
.section-label--amber      { color: var(--amber); }

.section-title {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: clamp(1.5rem, 3vw, 2.2rem);
  line-height: 1.2;
}
.section-title--white  { color: var(--white); }
.section-title--navy   { color: var(--navy); }

.section-subtitle {
  font-family: 'DM Sans', sans-serif;
  font-size: 16px;
  margin-top: 12px;
  line-height: 1.65;
}
.section-subtitle--muted-dark { color: var(--text-muted-dark); }
.section-subtitle--gray       { color: #666; }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-block;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  border-radius: 5px;
  cursor: pointer;
  transition: all 0.2s ease;
  text-align: center;
  white-space: nowrap;
}

/* Primary amber */
.btn-primary {
  background: #e8a020;
  color: #0f1d36;
  border: 2px solid #e8a020;
  padding: 14px 28px;
  font-size: 15px;
}
.btn-primary:hover { background: var(--amber-dark); border-color: var(--amber-dark); }

/* Ghost (on dark) */
.btn-ghost {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255,255,255,0.25);
  padding: 14px 28px;
  font-size: 15px;
}
.btn-ghost:hover { border-color: rgba(255,255,255,0.6); }

/* Dark (on amber bg) */
.btn-dark {
  background: #0f1d36;
  color: var(--white);
  border: none;
  padding: 15px 36px;
  font-size: 16px;
  border-radius: 5px;
}
.btn-dark:hover { background: #172540; }

/* Nav CTA */
.btn-nav-cta {
  background: #e8a020;
  color: #0f1d36;
  border-radius: 4px;
  padding: 7px 16px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 13px;
}
.btn-nav-cta:hover { background: var(--amber-dark); }

/* Form submit */
.btn-form-submit {
  width: 100%;
  background: #0f1d36;
  color: var(--white);
  border: none;
  border-radius: 6px;
  padding: 14px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 15px;
  cursor: pointer;
  transition: background 0.2s ease;
}
.btn-form-submit:hover { background: var(--navy-mid); }
.btn-form-submit--amber {
  background: var(--amber);
  color: var(--navy);
}
.btn-form-submit--amber:hover { background: var(--amber-dark); }

/* ============================================================
   CARD STYLES
   ============================================================ */
.card-light {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: 12px;
  box-shadow: 0 4px 24px rgba(15,29,54,0.07);
}

.card-dark {
  background: var(--navy-light);
  border: 1px solid var(--border-dark);
  border-radius: 12px;
}

.card-dark-featured {
  background: var(--navy-mid);
  border: 1.5px solid rgba(232,160,32,0.5);
  border-radius: 12px;
}

.card-testimonial {
  background: var(--navy-light);
  border: 1px solid var(--border-dark);
  border-radius: 10px;
}

.card-state {
  background: var(--navy-light);
  border: 1px solid var(--border-dark);
  border-radius: 8px;
  cursor: pointer;
  transition: border-color 0.2s ease;
}
.card-state:hover { border-color: rgba(232,160,32,0.4); }
.card-state.is-expanded { border-color: rgba(232,160,32,0.6); }

/* ============================================================
   DISCLAIMER BAR
   ============================================================ */
.disclaimer-bar {
  background: rgba(232,160,32,0.1);
  border-bottom: 1px solid rgba(232,160,32,0.25);
  padding: 8px 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  font-family: 'DM Sans', sans-serif;
  font-size: 12px;
  color: #5a4a2a;
  position: relative;
  z-index: 100;
}
.disclaimer-bar__text { text-align: center; flex: 1; }
.disclaimer-bar__phone {
  color: var(--amber-dark);
  font-weight: 700;
  white-space: nowrap;
  flex-shrink: 0;
}
.disclaimer-bar__phone:hover { text-decoration: underline; }

/* ============================================================
   STICKY NAV
   ============================================================ */
.site-nav {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 999;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.site-nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
  padding: 0 24px;
  max-width: var(--container-max);
  margin: 0 auto;
}

.site-nav__logo {
  font-family: 'Playfair Display', serif;
  font-weight: 900;
  font-size: 1.25rem;
  color: var(--white);
  letter-spacing: -0.01em;
}
.site-nav__logo span { color: var(--amber); }

.site-nav__links {
  display: flex;
  align-items: center;
  gap: 28px;
}

.site-nav__link {
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted-dark);
  transition: color 0.2s ease;
}
.site-nav__link:hover { color: var(--white); }

.site-nav__right {
  display: flex;
  align-items: center;
  gap: 20px;
}

/* Hamburger */
.site-nav__hamburger {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  color: var(--text-muted-dark);
}
.site-nav__hamburger:hover { color: var(--white); }
.hamburger-icon { width: 22px; height: 22px; }

/* Mobile menu */
.site-nav__mobile-menu {
  background: var(--navy-mid);
  border-top: 1px solid var(--border-dark);
  padding: 16px 24px 20px;
}
.site-nav__mobile-menu a {
  display: block;
  padding: 10px 0;
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
  font-size: 14px;
  color: var(--text-muted-dark);
  border-bottom: 1px solid var(--border-dark);
}
.site-nav__mobile-menu a:last-child { border-bottom: none; }
.site-nav__mobile-menu a:hover { color: var(--white); }
.site-nav__mobile-cta {
  display: block;
  margin-top: 12px;
  text-align: center;
  background: var(--amber);
  color: var(--navy) !important;
  border-radius: 5px;
  padding: 10px 16px;
  font-weight: 700 !important;
  border-bottom: none !important;
}

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  background: var(--navy);
  padding: 80px 0 90px;
  position: relative;
  overflow: hidden;
  text-align: center;
}

/* Decorative arcs */
.hero::before,
.hero::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  background: var(--navy-light);
  opacity: 0.35;
}
.hero::before {
  width: 600px; height: 600px;
  top: -200px; right: -150px;
}
.hero::after {
  width: 400px; height: 400px;
  bottom: -150px; left: -100px;
}

.hero__inner {
  position: relative;
  z-index: 2;
  max-width: 780px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Badge */
.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(232,160,32,0.1);
  border: 1px solid rgba(232,160,32,0.4);
  color: var(--amber);
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 28px;
}
.hero__badge-dot {
  width: 8px; height: 8px;
  background: var(--amber);
  border-radius: 50%;
  animation: pulse-dot 2s infinite;
  flex-shrink: 0;
}
@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.4; transform: scale(0.7); }
}

/* H1 */
.hero__h1 {
  font-family: 'Playfair Display', serif;
  font-weight: 900;
  font-size: clamp(2rem, 5vw, 3.4rem);
  line-height: 1.12;
  color: var(--white);
  margin-bottom: 24px;
}
.hero__h1-line2 {
  display: block;
  color: var(--amber);
  font-style: italic;
}

.hero__subtext {
  font-family: 'DM Sans', sans-serif;
  font-size: 17px;
  font-weight: 400;
  color: var(--text-muted-dark);
  line-height: 1.65;
  max-width: 560px;
  margin: 0 auto 40px;
}

/* Stats bar */
.hero__stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: var(--navy-light);
  border: 1px solid var(--border-dark);
  border-radius: 10px;
  margin-bottom: 36px;
  overflow: hidden;
}
.hero__stat {
  padding: 20px 16px;
  text-align: center;
  border-right: 1px solid rgba(232,160,32,0.2);
}
.hero__stat:last-child { border-right: none; }
.hero__stat-number {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.6rem;
  color: var(--amber);
  line-height: 1;
  margin-bottom: 4px;
}
.hero__stat-label {
  font-family: 'DM Sans', sans-serif;
  font-size: 12px;
  color: var(--text-muted-dark);
  line-height: 1.3;
}

/* CTAs */
.hero__ctas {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 18px;
}

.hero__fine-print {
  font-size: 11px;
  color: var(--text-muted-dark);
  opacity: 0.7;
}

/* ============================================================
   CALCULATOR SECTION
   ============================================================ */
.calculator-section {
  background: var(--cream);
  padding: var(--section-py) 0;
  text-align: center;
}
.calculator-section .section-header {
  margin-bottom: 36px;
}

.calculator-card {
  max-width: 520px;
  margin: 0 auto;
  padding: 36px 32px;
  text-align: left;
}

.calculator-card__title {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 24px;
}

.form-field { margin-bottom: 18px; }
.form-label {
  display: block;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: #555;
  margin-bottom: 8px;
}
.form-input,
.form-select,
.form-textarea {
  width: 100%;
  border: 1.5px solid var(--border-light);
  border-radius: 6px;
  padding: 11px 14px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  color: var(--navy);
  background: var(--white);
  transition: border-color 0.2s ease;
  outline: none;
}
.form-input:focus,
.form-select:focus,
.form-textarea:focus { border-color: var(--amber); }
.form-textarea { resize: vertical; min-height: 80px; }

/* Calculator results */
.calc-result {
  margin-top: 24px;
  padding-top: 24px;
  border-top: 1px solid var(--border-light);
}
.calc-result__warning {
  background: #fdf0ef;
  border: 1.5px solid #e9b0ab;
  border-radius: 8px;
  padding: 20px;
  margin-bottom: 16px;
}
.calc-result__label {
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--red-warn);
  margin-bottom: 6px;
}
.calc-result__amount {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 2.4rem;
  color: var(--red-warn);
  line-height: 1;
  margin-bottom: 4px;
}
.calc-result__sub {
  font-size: 12px;
  color: #a04040;
}
.calc-result__coming {
  background: #fffbea;
  border: 1.5px solid #f0c040;
  border-radius: 8px;
  padding: 20px;
  margin-bottom: 16px;
}
.calc-result__coming-label {
  font-weight: 700;
  font-size: 11px;
  text-transform: uppercase;
  color: #a07820;
  margin-bottom: 6px;
}
.calc-result__coming-text { font-size: 13px; color: #7a5c10; }
.calc-result__note {
  font-size: 12px;
  color: #666;
  line-height: 1.5;
  margin-bottom: 16px;
}
.calc-result__cta {
  display: block;
  text-align: center;
  background: var(--navy);
  color: var(--white);
  padding: 13px;
  border-radius: 6px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 14px;
  transition: background 0.2s ease;
}
.calc-result__cta:hover { background: var(--navy-mid); }

/* ============================================================
   COMPARISON SECTION
   ============================================================ */
.comparison-section {
  background: var(--navy);
  padding: var(--section-py) 0;
}
.comparison-section .section-header { text-align: center; margin-bottom: 48px; }

.comparison-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: stretch;
}

.comparison-card { padding: 32px; }
.comparison-card__badge {
  display: inline-block;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  padding: 4px 12px;
  border-radius: 100px;
  margin-bottom: 20px;
}
.badge-red   { background: rgba(192,57,43,0.15); color: #e74c3c; }
.badge-amber { background: rgba(232,160,32,0.15); color: var(--amber); }

.comparison-card__title {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.2rem;
  margin-bottom: 20px;
}
.comparison-card__title--white { color: var(--white); }
.comparison-card__title--muted { color: var(--text-muted-dark); }

.comparison-list { display: flex; flex-direction: column; gap: 14px; }
.comparison-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
}
.comparison-icon {
  flex-shrink: 0;
  width: 20px; height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 2px;
  font-size: 12px;
  font-weight: 700;
}
.icon-red   { background: rgba(192,57,43,0.15); color: #e74c3c; }
.icon-amber { background: rgba(232,160,32,0.15); color: var(--amber); }

.comparison-item__text {
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  line-height: 1.5;
}
.text-on-dark  { color: var(--text-on-dark); }
.text-muted-on-dark { color: var(--text-muted-dark); }

.comparison-card__cta { margin-top: 28px; }
.comparison-card__fine-print {
  font-size: 11px;
  color: var(--text-muted-dark);
  text-align: center;
  margin-top: 10px;
}

.btn-amber-full {
  display: block;
  width: 100%;
  background: var(--amber);
  color: var(--navy);
  text-align: center;
  padding: 14px;
  border-radius: 6px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 15px;
  transition: background 0.2s ease;
}
.btn-amber-full:hover { background: var(--amber-dark); }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how-it-works {
  background: var(--cream);
  padding: var(--section-py) 0;
}
.how-it-works .section-header { text-align: center; margin-bottom: 48px; }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.step-card { padding: 32px 28px; position: relative; }

.step-number {
  font-family: 'Playfair Display', serif;
  font-weight: 900;
  font-size: 3rem;
  color: rgba(232,160,32,0.7);
  line-height: 1;
  margin-bottom: 16px;
}

.step-icon {
  width: 48px; height: 48px;
  background: rgba(232,160,32,0.12);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.step-icon svg { width: 24px; height: 24px; color: var(--amber); stroke: var(--amber); }

.step-title {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--navy);
  margin-bottom: 10px;
}

.step-body {
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  color: #555;
  line-height: 1.65;
}

/* ============================================================
   STATE DIRECTORY
   ============================================================ */
.state-directory {
  background: var(--navy-mid);
  padding: var(--section-py) 0;
}
.state-directory .section-header { text-align: center; margin-bottom: 40px; }

.state-filters {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-bottom: 36px;
  flex-wrap: wrap;
}
.state-filter-btn {
  padding: 9px 22px;
  border-radius: 100px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 13px;
  border: 1.5px solid var(--border-dark);
  background: transparent;
  color: var(--text-muted-dark);
  cursor: pointer;
  transition: all 0.2s ease;
}
.state-filter-btn:hover,
.state-filter-btn.is-active {
  background: var(--amber);
  color: var(--navy);
  border-color: var(--amber);
}

.states-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.state-card { padding: 20px; }
.state-card__header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 12px;
  gap: 8px;
}
.state-card__name {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--white);
  line-height: 1.2;
}
.state-card__program {
  font-size: 12px;
  color: var(--text-muted-dark);
  margin-top: 2px;
}
.state-card__status {
  flex-shrink: 0;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 11px;
  padding: 3px 9px;
  border-radius: 100px;
}
.status-active  { background: rgba(192,57,43,0.2); color: #e74c3c; }
.status-coming  { background: rgba(240,180,40,0.15); color: #d4a017; }

.state-card__penalty {
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 13px;
}
.penalty-active  { color: #e74c3c; }
.penalty-coming  { color: var(--text-muted-dark); }

.state-card__expand-icon {
  float: right;
  color: var(--text-muted-dark);
  transition: transform 0.2s ease;
  font-size: 12px;
}

.state-card__details {
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid var(--border-dark);
}
.state-card__detail-row {
  display: flex;
  justify-content: space-between;
  margin-bottom: 8px;
  font-size: 12px;
}
.state-card__detail-key   { color: var(--text-muted-dark); }
.state-card__detail-value { color: var(--white); font-weight: 600; }

.state-card__actions {
  display: flex;
  gap: 8px;
  margin-top: 14px;
}
.state-card__actions a {
  flex: 1;
  text-align: center;
  padding: 7px 8px;
  border-radius: 5px;
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 12px;
  transition: all 0.2s ease;
}
.btn-state-official {
  border: 1px solid var(--border-dark);
  color: var(--text-muted-dark);
}
.btn-state-official:hover { border-color: var(--amber); color: var(--amber); }
.btn-state-compliant {
  background: var(--amber);
  color: var(--navy);
}
.btn-state-compliant:hover { background: var(--amber-dark); }

/* ============================================================
   SECURE 2.0 SECTION
   ============================================================ */
.secure20-section {
  background: var(--cream);
  padding: var(--section-py) 0;
}
.secure20-section .section-header { text-align: center; margin-bottom: 40px; }

.secure20-body {
  max-width: 640px;
  margin: 0 auto;
  text-align: center;
  margin-bottom: 36px;
}
.secure20-body p {
  font-size: 15px;
  color: #555;
  line-height: 1.7;
  margin-bottom: 12px;
}
.secure20-disclaimer {
  font-size: 12px;
  color: #888;
  font-style: italic;
  border-left: 3px solid var(--border-light);
  padding-left: 12px;
  text-align: left;
  margin-bottom: 0;
}

.secure20-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  max-width: 800px;
  margin: 0 auto 36px;
}
.secure20-stat-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: 10px;
  padding: 24px 18px;
  text-align: center;
  box-shadow: 0 2px 12px rgba(15,29,54,0.05);
}
.secure20-stat-value {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.6rem;
  color: var(--amber-dark);
  line-height: 1;
  margin-bottom: 6px;
}
.secure20-stat-label {
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--navy);
  line-height: 1.3;
}

.secure20-cta { text-align: center; }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials-section {
  background: var(--navy-mid);
  padding: var(--section-py) 0;
}
.testimonials-section .section-header { text-align: center; margin-bottom: 40px; }

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 20px;
}

.testimonial-card { padding: 28px; }
.testimonial-stars { display: flex; gap: 4px; margin-bottom: 16px; }
.testimonial-stars svg { width: 16px; height: 16px; fill: var(--amber); }

.testimonial-quote {
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  font-style: italic;
  color: var(--text-on-dark);
  line-height: 1.65;
  margin-bottom: 20px;
}
.testimonial-author {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--white);
  margin-bottom: 3px;
}
.testimonial-title {
  font-family: 'DM Sans', sans-serif;
  font-size: 12px;
  color: var(--text-muted-dark);
}

.testimonials-disclaimer {
  text-align: center;
  font-size: 11px;
  color: var(--text-muted-dark);
  opacity: 0.65;
  margin-top: 8px;
}

/* ============================================================
   CONTACT SECTION
   ============================================================ */
.contact-section {
  background: var(--cream);
  padding: var(--section-py) 0;
}
.contact-section .section-header { text-align: center; margin-bottom: 12px; }

.contact-phone {
  text-align: center;
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--amber);
  margin-bottom: 36px;
}
.contact-phone a { color: inherit; }
.contact-phone a:hover { text-decoration: underline; }

.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.contact-card { padding: 28px; }
.contact-card__title {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 8px;
}
.contact-card__subtitle {
  font-size: 13px;
  color: #666;
  margin-bottom: 20px;
  line-height: 1.5;
}

.contact-form .form-input,
.contact-form .form-textarea {
  margin-bottom: 12px;
}

.form-success {
  display: none;
  text-align: center;
  color: #2e7d32;
  font-weight: 700;
  font-size: 14px;
  padding: 12px;
  background: #e8f5e9;
  border-radius: 6px;
  margin-top: 8px;
}

.contact-card--featured {
  border-color: rgba(232,160,32,0.5) !important;
  position: relative;
}
.contact-card--featured::before {
  content: '⭐ Most Popular';
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--amber);
  color: var(--navy);
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 11px;
  padding: 4px 14px;
  border-radius: 100px;
  white-space: nowrap;
}

/* ============================================================
   FINAL CTA BANNER
   ============================================================ */
.cta-banner {
  background: var(--amber);
  padding: 80px 24px;
  text-align: center;
}
.cta-banner__title {
  font-family: 'Playfair Display', serif;
  font-weight: 900;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  color: var(--navy);
  line-height: 1.15;
  margin-bottom: 14px;
}
.cta-banner__subtitle {
  font-family: 'DM Sans', sans-serif;
  font-size: 17px;
  color: var(--navy-mid);
  margin-bottom: 30px;
}

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--footer-bg);
  padding: 64px 0 32px;
}

.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr;
  gap: 48px;
  margin-bottom: 40px;
}

.footer-logo {
  font-family: 'Playfair Display', serif;
  font-weight: 900;
  font-size: 1.2rem;
  color: var(--white);
  display: inline-block;
  margin-bottom: 14px;
}
.footer-logo span { color: var(--amber); }

.footer-tagline {
  font-size: 13px;
  color: var(--text-muted-dark);
  line-height: 1.65;
  max-width: 420px;
  margin-bottom: 16px;
}

.footer-contacts {
  font-size: 13px;
  color: var(--text-muted-dark);
}
.footer-contacts a { color: var(--text-muted-dark); }
.footer-contacts a:hover { color: var(--white); }

.footer-nav h4 {
  font-family: 'DM Sans', sans-serif;
  font-weight: 700;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--white);
  margin-bottom: 16px;
}
.footer-nav ul { display: flex; flex-direction: column; gap: 10px; }
.footer-nav a {
  font-size: 13px;
  color: var(--text-muted-dark);
  transition: color 0.2s;
}
.footer-nav a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid var(--border-dark);
  padding-top: 24px;
}
.footer-finra {
  font-size: 11px;
  color: var(--text-muted-dark);
  line-height: 1.65;
  max-width: 860px;
  margin-bottom: 14px;
}
.footer-copyright {
  font-size: 11px;
  color: rgba(143,160,187,0.5);
}

/* ============================================================
   SECTION HEADER HELPER
   ============================================================ */
.section-header { margin-bottom: 48px; }
.section-header.centered { text-align: center; }

/* ============================================================
   RESPONSIVE — 680px
   ============================================================ */
@media (max-width: 680px) {

  :root { --section-py: 56px; }

  /* Nav */
  .site-nav__links,
  .site-nav__link,
  .site-nav__right .btn-nav-cta { display: none; }
  .site-nav__hamburger { display: block; }

  /* Hero */
  .hero { padding: 60px 0 64px; }
  .hero__stats {
    grid-template-columns: repeat(2, 1fr);
  }
  .hero__stat:nth-child(2) { border-right: none; }
  .hero__stat:nth-child(3) { border-top: 1px solid rgba(232,160,32,0.2); }
  .hero__stat:nth-child(4) { border-top: 1px solid rgba(232,160,32,0.2); border-right: none; }
  .hero__ctas {
    flex-direction: column;
    align-items: stretch;
  }
  .hero__ctas .btn { width: 100%; text-align: center; }

  /* Comparison */
  .comparison-grid { grid-template-columns: 1fr; }

  /* Steps */
  .steps-grid { grid-template-columns: 1fr; }

  /* States */
  .states-grid { grid-template-columns: 1fr 1fr; }

  /* SECURE 2.0 */
  .secure20-stats { grid-template-columns: repeat(2, 1fr); }

  /* Testimonials */
  .testimonials-grid { grid-template-columns: 1fr; }

  /* Contact */
  .contact-grid { grid-template-columns: 1fr; }

  /* Footer */
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }

  /* Calculator card */
  .calculator-card { padding: 24px 20px; }
}

/* ═══════════════════════════════════════════
   PAGE-HOME.PHP COMPONENT STYLES
═══════════════════════════════════════════ */

/* Hero arcs */
.hero { position:relative; overflow:hidden; padding:80px 2rem 60px; text-align:center; background:var(--navy); }
.hero-arc { position:absolute; border-radius:50%; background:var(--navy-light); opacity:0.35; pointer-events:none; }
.hero-arc--tl { width:500px; height:500px; top:-200px; left:-150px; }
.hero-arc--br { width:400px; height:400px; bottom:-180px; right:-120px; }

/* Hero badge */
.hero-badge { display:inline-flex; align-items:center; gap:8px; border:1px solid rgba(232,160,32,0.5); background:rgba(232,160,32,0.08); color:var(--amber); font-family:'DM Sans',sans-serif; font-size:11px; font-weight:700; letter-spacing:0.14em; text-transform:uppercase; padding:8px 20px; border-radius:24px; margin-bottom:28px; }
.hero-badge__dot { width:7px; height:7px; border-radius:50%; background:var(--amber); animation:pulse 1.8s infinite; flex-shrink:0; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)} 50%{opacity:0.5;transform:scale(1.4)} }

/* Hero H1 */
.hero-h1 { font-family:'Playfair Display',serif; font-size:clamp(2rem,5vw,3.4rem); font-weight:900; color:#fff; line-height:1.15; margin-bottom:20px; }
.hero-h1 em { color:var(--amber); font-style:italic; }

/* Hero sub */
.hero-sub { font-family:'DM Sans',sans-serif; font-size:17px; font-weight:400; color:var(--text-muted-dark); line-height:1.65; max-width:560px; margin:0 auto 36px; }

/* Stats bar */
.hero-stats { display:grid; grid-template-columns:repeat(4,1fr); background:var(--navy-light); border:1px solid var(--border-dark); border-radius:12px; margin:0 auto 36px; max-width:700px; }
.hero-stat { padding:22px 16px; text-align:center; border-right:1px solid var(--border-dark); }
.hero-stat:last-child { border-right:none; }
.hero-stat__num { display:block; font-family:'Playfair Display',serif; font-size:1.6rem; font-weight:700; color:var(--amber); }
.hero-stat__num sup { font-size:0.6em; vertical-align:super; }
.hero-stat__label { display:block; font-family:'DM Sans',sans-serif; font-size:12px; color:var(--text-muted-dark); margin-top:4px; }

/* Hero CTAs */
.hero-ctas { display:flex; flex-wrap:wrap; gap:12px; justify-content:center; margin-bottom:16px; }
.hero-fine-print { font-family:'DM Sans',sans-serif; font-size:11px; color:var(--text-muted-dark); opacity:0.7; }

/* Buttons */
.btn { display:inline-block; font-family:'DM Sans',sans-serif; font-weight:700; border-radius:5px; cursor:pointer; text-decoration:none; transition:all 0.2s; border:none; text-align:center; }
.btn-amber { background:var(--amber); color:var(--navy); border:2px solid var(--amber); padding:14px 28px; font-size:15px; }
.btn-amber:hover { background:var(--amber-dark); border-color:var(--amber-dark); }
.btn-ghost { background:transparent; color:#fff; border:1.5px solid rgba(255,255,255,0.25); padding:14px 28px; font-size:15px; }
.btn-ghost:hover { border-color:rgba(255,255,255,0.6); background:rgba(255,255,255,0.06); }
.btn-dark { background:var(--navy); color:#fff; padding:14px 28px; font-size:15px; }
.btn-dark:hover { background:var(--navy-mid); }
.btn--full { width:100%; display:block; padding:14px; }
.btn--lg { padding:15px 40px; font-size:17px; }
.btn-nav-cta { background:var(--amber); color:var(--navy); border-radius:4px; padding:7px 16px; font-size:13px; font-family:'DM Sans',sans-serif; font-weight:700; text-decoration:none; }
.btn-ghost-sm { background:transparent; color:var(--text-on-dark); border:1px solid var(--border-dark); padding:8px 14px; font-size:12px; border-radius:5px; font-family:'DM Sans',sans-serif; font-weight:600; text-decoration:none; }
.btn-amber-sm { background:var(--amber); color:var(--navy); padding:8px 14px; font-size:12px; border-radius:5px; font-family:'DM Sans',sans-serif; font-weight:700; text-decoration:none; }

/* Section utilities */
.section { padding:70px 2rem; }
.section--navy     { background:var(--navy); }
.section--navy-mid { background:var(--navy-mid); }
.section--cream    { background:var(--cream); }
.section--amber    { background:var(--amber); }
.container { max-width:1140px; margin:0 auto; }
.container--narrow { max-width:720px; margin:0 auto; text-align:center; }
.section-label { font-family:'DM Sans',sans-serif; font-size:12px; font-weight:700; letter-spacing:0.15em; text-transform:uppercase; margin-bottom:10px; color:var(--amber-dark); }
.section-label--light { color:var(--amber); }
.section-title { font-family:'Playfair Display',serif; font-size:clamp(1.5rem,3vw,2.2rem); font-weight:700; color:var(--navy); margin-bottom:12px; }
.section-title--light { color:#fff; }
.section-sub { font-family:'DM Sans',sans-serif; font-size:16px; color:#4a5568; line-height:1.6; margin-bottom:36px; }
.section-sub--light { color:var(--text-muted-dark); }
.section-cta { text-align:center; margin-top:36px; }
.fine-print { font-family:'DM Sans',sans-serif; font-size:11px; color:#718096; margin-top:12px; }
.fine-print--light { color:var(--text-muted-dark); text-align:center; margin-top:20px; }
.disclaimer-block { background:var(--amber-light); border:1px solid rgba(232,160,32,0.3); border-radius:8px; padding:14px 20px; font-size:13px; font-family:'DM Sans',sans-serif; color:var(--amber-dark); margin:24px auto; max-width:560px; }

/* Cards */
.card { border-radius:12px; }
.card--light { background:var(--white); border:1px solid var(--border-light); box-shadow:0 4px 24px rgba(15,29,54,0.07); padding:32px; }
.card--dark { background:var(--navy-light); border:1px solid var(--border-dark); padding:32px; }
.card--featured { background:var(--navy-mid); border:1.5px solid rgba(232,160,32,0.5); padding:32px; }
.card--testimonial { background:var(--navy-light); border:1px solid var(--border-dark); border-radius:10px; padding:28px; }
.card--state { background:var(--navy-light); border:1px solid var(--border-dark); border-radius:8px; padding:20px; cursor:pointer; transition:border-color 0.2s; }
.card--state-active { border-color:var(--amber) !important; }
.card--state:hover { border-color:rgba(232,160,32,0.4); }
.card--metric { background:var(--white); border:1px solid var(--border-light); border-radius:10px; padding:24px; text-align:center; }
.card--featured-contact { border:1.5px solid var(--amber) !important; position:relative; }

/* Calc card */
.calc-card { max-width:520px; margin:0 auto; text-align:left; }
.calc-card__title { font-family:'Playfair Display',serif; font-size:1.25rem; font-weight:700; color:var(--navy); margin-bottom:24px; }
.form-group { margin-bottom:16px; }
.form-label { display:block; font-family:'DM Sans',sans-serif; font-size:12px; font-weight:600; color:#718096; text-transform:uppercase; letter-spacing:0.04em; margin-bottom:6px; }
.form-input { width:100%; border:1px solid #d0d5dd; border-radius:6px; padding:11px 14px; font-family:'DM Sans',sans-serif; font-size:14px; color:var(--navy); background:#fff; box-sizing:border-box; transition:border-color 0.2s; }
.form-input:focus { outline:none; border-color:var(--amber); }
.form-select { appearance:none; background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='%23718096' d='M0 0l6 8 6-8z'/%3E%3C/svg%3E"); background-repeat:no-repeat; background-position:right 14px center; padding-right:36px; }
.form-textarea { resize:vertical; min-height:80px; }
.calc-results { margin-top:20px; padding-top:20px; border-top:1px solid var(--border-light); }
.calc-results__header { display:flex; justify-content:space-between; align-items:center; margin-bottom:14px; flex-wrap:wrap; gap:8px; }
.calc-results__state { font-family:'DM Sans',sans-serif; font-size:12px; font-weight:700; color:#718096; text-transform:uppercase; letter-spacing:0.04em; }
.calc-results__amount { background:#fef2f2; border:1px solid #fecaca; border-radius:10px; padding:18px; margin-bottom:14px; }
.calc-results__label { font-family:'DM Sans',sans-serif; font-size:12px; font-weight:600; color:var(--red-warn); text-transform:uppercase; letter-spacing:0.04em; margin-bottom:4px; }
.calc-results__number { font-family:'Playfair Display',serif; font-size:2rem; font-weight:700; color:var(--red-warn); }
.calc-results__basis { font-family:'DM Sans',sans-serif; font-size:12px; color:#ef4444; margin-top:2px; }
.calc-results__pending { background:#fffbeb; border:1px solid #fcd34d; border-radius:10px; padding:16px; margin-bottom:14px; }
.calc-results__pending-title { font-family:'DM Sans',sans-serif; font-size:12px; font-weight:700; color:#92400e; text-transform:uppercase; margin-bottom:6px; }
.calc-results__deadline { font-size:12px; color:#b45309; margin-top:6px; font-weight:600; }
.calc-results__disclaimer { font-family:'DM Sans',sans-serif; font-size:12px; color:#718096; line-height:1.5; margin-bottom:14px; }

/* Badges */
.badge { display:inline-block; font-family:'DM Sans',sans-serif; font-size:11px; font-weight:700; padding:4px 10px; border-radius:4px; }
.badge--red { background:rgba(192,57,43,0.15); color:#e74c3c; border:1px solid rgba(192,57,43,0.3); }
.badge--yellow { background:rgba(245,158,11,0.15); color:#d97706; border:1px solid rgba(245,158,11,0.3); }

/* Comparison */
.compare-grid { display:grid; grid-template-columns:1fr 1fr; gap:20px; margin-top:40px; }
.compare-badge { display:inline-block; font-family:'DM Sans',sans-serif; font-size:11px; font-weight:700; letter-spacing:0.1em; text-transform:uppercase; padding:5px 12px; border-radius:4px; margin-bottom:14px; }
.compare-badge--red { background:rgba(192,57,43,0.15); color:#ef4444; border:1px solid rgba(192,57,43,0.35); }
.compare-badge--amber { background:rgba(232,160,32,0.15); color:var(--amber); border:1px solid rgba(232,160,32,0.4); }
.compare-card-title { font-family:'Playfair Display',serif; font-size:1.2rem; font-weight:700; color:var(--text-on-dark); margin-bottom:20px; }
.compare-list { list-style:none; padding:0; margin:0; }
.compare-list__item { display:flex; align-items:flex-start; gap:10px; padding:8px 0; border-bottom:1px solid var(--border-dark); font-family:'DM Sans',sans-serif; font-size:14px; line-height:1.5; }
.compare-list__item:last-child { border-bottom:none; }
.compare-list__item--bad { color:var(--text-muted-dark); }
.compare-list__item--good { color:var(--text-on-dark); }
.compare-icon { flex-shrink:0; width:20px; height:20px; border-radius:50%; display:inline-flex; align-items:center; justify-content:center; font-size:11px; font-weight:900; }
.compare-icon--bad { background:rgba(192,57,43,0.2); color:#ef4444; }
.compare-icon--good { background:rgba(232,160,32,0.2); color:var(--amber); }

/* Steps */
.steps-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.step-card { position:relative; overflow:hidden; }
.step-number { font-family:'Playfair Display',serif; font-size:3rem; font-weight:900; color:var(--amber); opacity:0.18; line-height:1; display:block; margin-bottom:12px; }
.step-icon { width:44px; height:44px; background:var(--amber-light); border-radius:10px; display:flex; align-items:center; justify-content:center; margin-bottom:14px; color:var(--amber-dark); }
.step-card__title { font-family:'Playfair Display',serif; font-size:1.1rem; font-weight:700; color:var(--navy); margin-bottom:10px; }
.step-card__body { font-family:'DM Sans',sans-serif; font-size:14px; color:#4a5568; line-height:1.6; }

/* States grid */
.state-filters { display:flex; gap:8px; flex-wrap:wrap; justify-content:center; margin-bottom:28px; }
.state-filter { font-family:'DM Sans',sans-serif; font-size:13px; font-weight:600; background:rgba(255,255,255,0.07); border:1px solid var(--border-dark); color:var(--text-muted-dark); padding:8px 18px; border-radius:6px; cursor:pointer; transition:all 0.2s; }
.state-filter--active { background:var(--amber); color:var(--navy); border-color:var(--amber); }
.state-filter--red { background:#c0392b !important; color:#fff !important; border-color:#c0392b !important; }
.state-filter--yellow { background:#f59e0b !important; color:#1f2937 !important; border-color:#f59e0b !important; }
.states-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:12px; }
.state-card__top { display:flex; justify-content:space-between; align-items:flex-start; margin-bottom:8px; }
.state-card__right { display:flex; flex-direction:column; align-items:flex-end; gap:6px; }
.state-card__name { font-family:'Playfair Display',serif; font-size:1rem; font-weight:700; color:#fff; }
.state-card__program { font-family:'DM Sans',sans-serif; font-size:12px; color:var(--text-muted-dark); }
.state-card__penalty { font-family:'DM Sans',sans-serif; font-size:13px; font-weight:700; }
.state-card__penalty--red { color:#ef4444; }
.state-card__penalty--muted { color:var(--text-muted-dark); }
.state-card__detail { margin-top:14px; padding-top:14px; border-top:1px solid var(--border-dark); }
.state-card__detail-row { display:flex; justify-content:space-between; margin-bottom:8px; font-family:'DM Sans',sans-serif; font-size:12px; }
.state-card__detail-label { color:var(--text-muted-dark); }
.state-card__detail-val { color:var(--text-on-dark); font-weight:600; }
.state-card__detail-btns { display:flex; gap:8px; margin-top:12px; }
.state-card__detail-btns a { flex:1; text-align:center; }
.chevron { transition:transform 0.2s; }
.chevron--open { transform:rotate(180deg); }

/* SECURE 2.0 metrics */
.metrics-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:16px; margin:28px 0; }
.metric-val { display:block; font-family:'Playfair Display',serif; font-size:1.6rem; font-weight:700; color:var(--amber-dark); margin-bottom:4px; }
.metric-label { display:block; font-family:'DM Sans',sans-serif; font-size:12px; font-weight:700; color:var(--navy); text-transform:uppercase; letter-spacing:0.04em; }
.metric-sub { display:block; font-family:'DM Sans',sans-serif; font-size:11px; color:#718096; margin-top:3px; }

/* Testimonials */
.testimonials-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:20px; margin-top:36px; }
.testimonial-stars { color:var(--amber); font-size:1rem; letter-spacing:2px; margin-bottom:12px; }
.testimonial-quote { font-family:'DM Sans',sans-serif; font-size:14px; color:var(--text-on-dark); line-height:1.65; font-style:italic; margin-bottom:18px; }
.testimonial-author { margin-top:auto; }
.testimonial-name { font-family:'Playfair Display',serif; font-size:1rem; font-weight:700; color:#fff; }
.testimonial-title { font-family:'DM Sans',sans-serif; font-size:12px; color:var(--text-muted-dark); margin-top:2px; }

/* Contact */
.contact-phone { display:block; text-align:center; font-family:'Playfair Display',serif; font-size:1.4rem; font-weight:700; color:var(--amber-dark); text-decoration:none; margin:6px 0 36px; }
.contact-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.contact-card-icon { width:44px; height:44px; border-radius:10px; display:flex; align-items:center; justify-content:center; margin-bottom:14px; }
.contact-card-icon--gray { background:#f3f4f6; color:#6b7280; }
.contact-card-icon--amber { background:var(--amber-light); color:var(--amber-dark); }
.contact-card-title { font-family:'Playfair Display',serif; font-size:1.05rem; font-weight:700; color:var(--navy); margin-bottom:6px; }
.contact-card-sub { font-family:'DM Sans',sans-serif; font-size:13px; color:#6b7280; margin-bottom:16px; line-height:1.5; }
.contact-form { display:flex; flex-direction:column; gap:10px; }
.contact-card-featured-badge { position:absolute; top:-14px; left:50%; transform:translateX(-50%); background:var(--amber); color:var(--navy); font-family:'DM Sans',sans-serif; font-size:11px; font-weight:700; padding:5px 14px; border-radius:20px; white-space:nowrap; }
.form-success { color:#059669; font-family:'DM Sans',sans-serif; font-size:13px; font-weight:600; text-align:center; padding:10px; }

/* Final CTA */
.final-cta { text-align:center; }
.final-cta__title { font-family:'Playfair Display',serif; font-size:clamp(1.5rem,4vw,2.4rem); font-weight:900; color:var(--navy); margin-bottom:12px; }
.final-cta__sub { font-family:'DM Sans',sans-serif; font-size:16px; color:var(--navy-mid); margin-bottom:28px; }

/* ═══ MOBILE (≤680px) ═══ */
@media (max-width: 680px) {
  .hero-stats { grid-template-columns:1fr 1fr; }
  .hero-stat { border-right:none; border-bottom:1px solid var(--border-dark); }
  .hero-stat:nth-child(2n) { border-left:1px solid var(--border-dark); }
  .hero-stat:nth-last-child(-n+2) { border-bottom:none; }
  .hero-ctas { flex-direction:column; }
  .hero-ctas .btn { width:100%; text-align:center; }
  .compare-grid { grid-template-columns:1fr; }
  .steps-grid { grid-template-columns:1fr; }
  .states-grid { grid-template-columns:1fr 1fr; }
  .metrics-grid { grid-template-columns:1fr 1fr; }
  .testimonials-grid { grid-template-columns:1fr; }
  .contact-grid { grid-template-columns:1fr; }
}

/* === FAQ === */
.faq-item { border-bottom: 1px solid var(--border-light); }
.faq-q {
  display: flex;
  justify-content: space-between;
  align-items: center;
  width: 100%;
  padding: 18px 0;
  cursor: pointer;
  font-family: 'DM Sans', sans-serif;
  font-weight: 600;
  font-size: 15px;
  color: var(--navy);
  background: transparent;
  border: none;
  text-align: left;
  gap: 16px;
  line-height: 1.4;
}
.faq-q:hover { color: var(--amber); }
.faq-a {
  padding: 0 0 18px;
  font-family: 'DM Sans', sans-serif;
  font-size: 14px;
  line-height: 1.75;
  color: #4a5568;
}
.faq-chevron { flex-shrink: 0; transition: transform 0.2s; }
.faq-chevron--open { transform: rotate(180deg); }