/* ============================================================
   EFTC — Electronic Funds Transfer Center
   Original UI system. Inspired by modern public-portal patterns
   (layout hierarchy, step wizards, card grids) — not a copy.
   Brand: EFTC / eftc.online only.
   ============================================================ */

:root {
  --ink: #15202b;
  --ink-soft: #3d4f5f;
  --muted: #5e7280;
  --line: #c9d6e0;
  --line-soft: #e4ecf2;
  --paper: #ffffff;
  --canvas: #eef3f7;
  --canvas-2: #e2ebf2;
  --brand-900: #062a3d;
  --brand-800: #0a3d58;
  --brand-700: #0d4f72;
  --brand-600: #126b96;
  --brand-500: #1a86b8;
  --brand-100: #e6f4fb;
  --brand-50: #f3f9fc;
  --accent: #c62828;
  --accent-hover: #a31f1f;
  --ok: #1b7a3d;
  --ok-bg: #e8f6ee;
  --warn-bg: #fff8e8;
  --warn-ink: #6b5420;
  --warn-line: #edd9a0;
  --shadow-sm: 0 1px 2px rgba(6, 42, 61, 0.06);
  --shadow-md: 0 8px 24px rgba(6, 42, 61, 0.10);
  --shadow-lg: 0 16px 40px rgba(6, 42, 61, 0.14);
  --radius: 14px;
  --radius-sm: 8px;
  --max: 1140px;
  --font: "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, Roboto, "Helvetica Neue", Arial, sans-serif;
  --display: "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --portal-blue: #005ea2;
  --portal-blue-dark: #1a4480;
  --portal-bar-bg: #f0f0f0;
  --portal-bar-ink: #1b1b1b;
}

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

html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  color: var(--ink);
  background: linear-gradient(180deg, var(--canvas) 0%, var(--canvas-2) 100%);
  min-height: 100vh;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

img, svg { display: block; max-width: 100%; }
a { color: var(--brand-600); text-decoration: none; transition: color 0.15s var(--ease); }
a:hover { color: var(--brand-800); text-decoration: underline; }
button, input, select, textarea { font: inherit; }

/* ---------- Top utility bar (same layout language as your reference) ---------- */
.portal-bar {
  background: #f0f0f0;
  border-bottom: 1px solid #dfe1e2;
  font-size: 0.93rem;
  color: #1b1b1b;
  line-height: 1.35;
  width: 100%;
}
.portal-bar-inner {
  max-width: 100%;
  margin: 0;
  display: flex;
  align-items: stretch;
  justify-content: space-between;
  min-height: 2rem;
  flex-wrap: nowrap;
}
.portal-bar-left {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.4rem 1rem;
  flex: 1 1 auto;
  min-width: 0;
}
.portal-flag {
  width: 16px;
  height: 11px;
  flex-shrink: 0;
  border-radius: 1px;
  background: linear-gradient(180deg, #0a3d58 0%, #0a3d58 40%, #fff 40%, #fff 60%, #c62828 60%, #c62828 100%);
  border: 1px solid #adadad;
}
.portal-bar-text {
  font-size: 0.93rem;
  color: #1b1b1b;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
.portal-bar-text .know-link {
  color: #005ea2;
  font-weight: 400;
  text-decoration: underline;
  text-underline-offset: 2px;
  margin-left: 0.35rem;
  background: none;
  border: none;
  cursor: pointer;
  font: inherit;
  padding: 0;
  display: inline;
}
.portal-bar-text .know-link:hover { color: #1a4480; }
.portal-bar-text .know-link::after {
  content: "";
  display: inline-block;
  width: 0;
  height: 0;
  margin-left: 0.35rem;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid #005ea2;
  vertical-align: middle;
}
.portal-know {
  display: none;
  width: 100%;
  background: #fff;
  border-top: 1px solid #dfe1e2;
  padding: 0.85rem 1rem 1rem;
  font-size: 0.9rem;
  color: #3d4551;
  line-height: 1.5;
}
.portal-know.open { display: block; }
.portal-know strong { color: #1b1b1b; }
.portal-know a { color: #005ea2; }

.portal-bar-actions {
  display: flex;
  align-items: stretch;
  flex-shrink: 0;
  margin-left: auto;
}
.portal-bar-actions .lang-link {
  display: flex;
  align-items: center;
  padding: 0 1rem;
  color: #005ea2;
  font-weight: 400;
  text-decoration: none;
  font-size: 0.93rem;
  background: #f0f0f0;
}
.portal-bar-actions .lang-link:hover {
  text-decoration: underline;
  color: #1a4480;
}
.portal-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.55rem 1.15rem;
  background: #005ea2;
  color: #fff !important;
  font-size: 0.93rem;
  font-weight: 700;
  text-decoration: none !important;
  border: 0;
  border-left: 1px solid #1a4480;
  white-space: nowrap;
  line-height: 1.2;
  transition: background 0.12s;
}
.portal-btn:hover {
  background: #1a4480;
  color: #fff !important;
}
.portal-bar-actions .portal-btn:first-of-type {
  border-left: 0;
}

/* ---------- Main brand header (second row) ---------- */
.site-header {
  background: #fff;
  color: var(--ink);
  border-bottom: 1px solid #dfe1e2;
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.06);
  position: sticky;
  top: 0;
  z-index: 50;
}
.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 14px 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
  flex-wrap: wrap;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--ink);
  text-decoration: none;
}
.brand:hover { text-decoration: none; color: var(--ink); }
.logo {
  width: 52px;
  height: 52px;
  flex-shrink: 0;
  border-radius: 50%;
  background: var(--brand-800);
  border: 2px solid var(--brand-600);
  display: grid;
  place-items: center;
}
.logo svg { width: 28px; height: 28px; }
.brand-copy h1 {
  font-family: var(--display);
  font-size: 0.95rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  line-height: 1.2;
  color: var(--brand-900);
  text-transform: uppercase;
}
.brand-copy p {
  font-size: 0.72rem;
  color: var(--muted);
  margin-top: 3px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
/* Main nav — horizontal links + chevrons + search (portal style) */
.nav {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 0.15rem 0.35rem;
  margin-left: auto;
}
.nav-item {
  position: relative;
}
.nav-item > a,
.nav-item > button.nav-link {
  display: inline-flex;
  align-items: center;
  gap: 0.35rem;
  color: #005ea2;
  text-decoration: none;
  font-size: 1rem;
  font-weight: 500;
  padding: 0.55rem 0.65rem;
  background: none;
  border: none;
  cursor: pointer;
  font-family: inherit;
  line-height: 1.2;
  border-radius: 2px;
  white-space: nowrap;
}
.nav-item > a:hover,
.nav-item > button.nav-link:hover,
.nav-item > a:focus-visible,
.nav-item > button.nav-link:focus-visible {
  color: #1a4480;
  text-decoration: underline;
  text-underline-offset: 3px;
  background: transparent;
}
.nav-item > a[aria-current="page"] {
  color: #1a4480;
  font-weight: 600;
  text-decoration: none;
}
.nav-chevron {
  display: inline-block;
  width: 0;
  height: 0;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid currentColor;
  opacity: 0.85;
  margin-top: 2px;
}
.nav-item.open > .nav-link .nav-chevron {
  transform: rotate(180deg);
}
.nav-dropdown {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 200px;
  background: #fff;
  border: 1px solid #dfe1e2;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.12);
  z-index: 80;
  padding: 0.35rem 0;
  list-style: none;
  margin: 0;
}
.nav-item.open > .nav-dropdown {
  display: block;
}
.nav-dropdown a {
  display: block;
  padding: 0.55rem 1rem;
  color: #005ea2;
  font-size: 0.95rem;
  font-weight: 500;
  text-decoration: none;
  white-space: nowrap;
}
.nav-dropdown a:hover {
  background: #e7f2f8;
  color: #1a4480;
  text-decoration: underline;
}
.nav-search {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 2.25rem;
  height: 2.25rem;
  margin-left: 0.25rem;
  color: #005ea2;
  border-radius: 2px;
  text-decoration: none;
  border: none;
  background: none;
  cursor: pointer;
}
.nav-search:hover {
  color: #1a4480;
  background: #e7f2f8;
}
.nav-search svg {
  width: 1.15rem;
  height: 1.15rem;
}
@media (max-width: 900px) {
  .nav {
    width: 100%;
    justify-content: flex-start;
  }
  .nav-item > a,
  .nav-item > button.nav-link {
    font-size: 0.9rem;
    padding: 0.45rem 0.4rem;
  }
}

/* optional notice — hidden by default (disclaimer page covers legal) */
.site-notice { display: none; }

@media (max-width: 900px) {
  .portal-bar-inner { flex-wrap: wrap; }
  .portal-bar-actions { width: 100%; }
  .portal-btn { flex: 1 1 0; padding: 0.55rem 0.5rem; font-size: 0.8rem; }
  .portal-bar-text { white-space: normal; }
}

/* ---------- Feature hero (scam awareness — EFTC original) ---------- */
.feature-hero {
  position: relative;
  overflow: hidden;
  background: linear-gradient(105deg, #0b2744 0%, #163a5f 45%, #1e4d73 100%);
  color: #fff;
  min-height: 420px;
}
.feature-hero-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 56px 24px 64px;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 32px;
  align-items: center;
  position: relative;
  z-index: 1;
}
@media (max-width: 860px) {
  .feature-hero-inner { grid-template-columns: 1fr; padding: 40px 20px 48px; }
  .feature-hero-visual { max-width: 280px; margin: 0 auto; }
}
.feature-hero-copy h2 {
  font-family: Georgia, "Times New Roman", Times, serif;
  font-size: clamp(2rem, 4vw, 2.85rem);
  font-weight: 400;
  line-height: 1.15;
  letter-spacing: -0.01em;
  margin-bottom: 18px;
  max-width: 16ch;
}
.feature-hero-copy p {
  font-size: 1.05rem;
  line-height: 1.55;
  opacity: 0.95;
  max-width: 36rem;
  margin-bottom: 28px;
}
.feature-hero .btn-learn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 28px;
  background: #005ea2;
  color: #fff !important;
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none !important;
  border: none;
  min-width: 140px;
  transition: background 0.15s;
}
.feature-hero .btn-learn:hover { background: #1a4480; color: #fff !important; }

/* Original phone mock (CSS only — no stock photo) */
.feature-hero-visual {
  position: relative;
  justify-self: end;
}
.phone-mock {
  width: 220px;
  height: 400px;
  background: linear-gradient(160deg, #2a2a2e 0%, #1a1a1c 100%);
  border-radius: 28px;
  padding: 12px;
  box-shadow: 0 24px 48px rgba(0,0,0,0.35);
  position: relative;
  transform: rotate(-6deg);
}
.phone-mock::before {
  content: "";
  position: absolute;
  top: 8px; left: 50%;
  transform: translateX(-50%);
  width: 60px; height: 6px;
  background: #0d0d0d;
  border-radius: 4px;
}
.phone-screen {
  height: 100%;
  background: #f4f6f8;
  border-radius: 20px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  position: relative;
}
.phone-status {
  height: 28px;
  background: #e8eef3;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 12px;
  font-size: 10px;
  color: #333;
  font-weight: 600;
}
.phone-msg {
  padding: 16px 12px;
  flex: 1;
}
.phone-avatar {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: #c5d4e0;
  margin: 0 auto 10px;
}
.phone-bubble {
  background: #fff;
  border: 1px solid #d0d7de;
  border-radius: 10px;
  padding: 10px;
  font-size: 11px;
  color: #333;
  line-height: 1.35;
  margin-bottom: 8px;
}
.phone-bubble.alert { border-color: #e0a0a0; background: #fff5f5; }
.fake-stamp {
  position: absolute;
  bottom: 48px;
  right: -8px;
  transform: rotate(-18deg);
  border: 3px solid #c62828;
  color: #c62828;
  font-weight: 800;
  font-size: 1.35rem;
  letter-spacing: 0.08em;
  padding: 6px 14px;
  background: rgba(255,255,255,0.9);
  border-radius: 4px;
  box-shadow: 0 4px 12px rgba(0,0,0,0.15);
}

/* ---------- Take Action + side callout ---------- */
.take-action-wrap {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px 56px;
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 0 28px;
  align-items: start;
  margin-top: -28px;
  position: relative;
  z-index: 2;
}
@media (max-width: 900px) {
  .take-action-wrap {
    grid-template-columns: 1fr;
    margin-top: 0;
    padding-top: 32px;
  }
  .action-side { order: -1; }
}
.take-action-panel {
  background: #fff;
  border: 1px solid #dfe1e2;
  box-shadow: 0 4px 20px rgba(0,0,0,0.06);
  padding: 36px 32px 40px;
}
.take-action-panel h2 {
  font-family: Georgia, "Times New Roman", Times, serif;
  font-size: 1.85rem;
  font-weight: 400;
  color: #1b1b1b;
  margin-bottom: 8px;
}
.take-action-rule {
  height: 1px;
  background: #dfe1e2;
  margin: 12px 0 24px;
  max-width: 100%;
}
.action-grid {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 0;
}
@media (max-width: 700px) {
  .action-grid { grid-template-columns: 1fr; }
  .take-action-panel { padding: 24px 18px; }
}
.action-link {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 18px 14px;
  border-bottom: 1px solid #e6e6e6;
  border-right: 1px solid #e6e6e6;
  color: #005ea2;
  text-decoration: none;
  font-size: 1rem;
  font-weight: 600;
  line-height: 1.3;
  min-height: 72px;
  transition: background 0.12s;
}
.action-grid .action-link:nth-child(3n) { border-right: none; }
.action-grid .action-link:nth-child(n+4) { border-bottom: none; }
@media (max-width: 700px) {
  .action-link { border-right: none !important; border-bottom: 1px solid #e6e6e6 !important; }
  .action-grid .action-link:last-child { border-bottom: none !important; }
}
.action-link:hover {
  background: #f0f7fc;
  text-decoration: underline;
  color: #1a4480;
}
.action-ico {
  flex-shrink: 0;
  width: 22px;
  height: 22px;
  margin-top: 1px;
  color: #005ea2;
}
.action-ico svg { width: 22px; height: 22px; }

.action-side {
  background: #005ea2;
  color: #fff;
  padding: 32px 26px 36px;
  min-height: 280px;
  display: flex;
  flex-direction: column;
  box-shadow: 0 8px 28px rgba(0, 94, 162, 0.25);
}
.action-side h3 {
  font-family: Georgia, "Times New Roman", Times, serif;
  font-size: 1.05rem;
  font-weight: 400;
  margin-bottom: 16px;
  opacity: 0.95;
}
.action-side p {
  font-family: Georgia, "Times New Roman", Times, serif;
  font-size: 1.35rem;
  line-height: 1.4;
  font-weight: 400;
  margin-bottom: 28px;
  flex: 1;
}
.action-side .btn-dark {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  align-self: flex-start;
  padding: 12px 22px;
  background: #1b1b1b;
  color: #fff !important;
  font-weight: 700;
  font-size: 0.95rem;
  text-decoration: none !important;
  border: none;
  transition: background 0.15s;
}
.action-side .btn-dark:hover { background: #000; color: #fff !important; }

/* legacy hero class kept for other pages if any */
.hero { display: none; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 10px;
  font-size: 1rem;
  font-weight: 650;
  border: none;
  cursor: pointer;
  text-decoration: none;
  transition: transform 0.15s var(--ease), background 0.15s var(--ease), box-shadow 0.15s var(--ease);
  font-family: inherit;
  line-height: 1.2;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn-primary {
  background: var(--accent);
  color: #fff;
  box-shadow: 0 6px 16px rgba(198, 40, 40, 0.28);
}
.btn-primary:hover { background: var(--accent-hover); color: #fff; }
.btn-secondary {
  background: #4d5d68;
  color: #fff;
}
.btn-secondary:hover { background: #3d4a53; color: #fff; }
.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);
  color: #fff;
  border-color: #fff;
}
.btn-block { width: 100%; }

/* ---------- Sections ---------- */
.section { padding: 64px 20px; }
.section-muted { background: rgba(255,255,255,0.45); }
.section-head {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 36px;
}
.section-title {
  font-family: var(--display);
  font-size: clamp(1.5rem, 2.5vw, 1.9rem);
  font-weight: 750;
  color: var(--brand-800);
  letter-spacing: -0.02em;
  margin-bottom: 10px;
}
.section-sub {
  color: var(--muted);
  font-size: 1.02rem;
}
.wrap {
  max-width: var(--max);
  margin: 0 auto;
}

/* Cards / grids */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}
@media (max-width: 900px) {
  .grid-3 { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
}

.card {
  background: linear-gradient(165deg, #ffffff 0%, #f6fafc 100%);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 26px 22px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.22s var(--ease), box-shadow 0.22s var(--ease), border-color 0.22s var(--ease);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: #a8c4d6;
}
.card-num {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--brand-100);
  color: var(--brand-700);
  font-weight: 750;
  display: grid;
  place-items: center;
  margin-bottom: 14px;
  font-size: 0.95rem;
}
.card h3 {
  color: var(--brand-800);
  font-size: 1.08rem;
  font-weight: 700;
  margin-bottom: 8px;
  letter-spacing: -0.01em;
}
.card p { color: var(--muted); font-size: 0.95rem; }

.tile {
  display: block;
  text-align: left;
  background: linear-gradient(165deg, #fff 0%, #f5f9fc 100%);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 22px 20px;
  cursor: pointer;
  color: inherit;
  text-decoration: none;
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease), border-color 0.2s var(--ease), background 0.2s var(--ease);
  width: 100%;
  font: inherit;
}
.tile:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--brand-600);
  background: linear-gradient(165deg, #fff 0%, var(--brand-50) 100%);
  text-decoration: none;
  color: inherit;
}
.tile h3 {
  color: var(--brand-800);
  font-size: 1rem;
  margin-bottom: 6px;
  font-weight: 700;
}
.tile p { color: var(--muted); font-size: 0.88rem; margin: 0; }
.tile-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--brand-100);
  color: var(--brand-700);
  display: grid;
  place-items: center;
  margin-bottom: 12px;
}
.tile-icon svg { width: 20px; height: 20px; }

/* CTA band */
.cta-band {
  background: var(--brand-100);
  border-top: 1px solid #c5e0ef;
  border-bottom: 1px solid #c5e0ef;
  padding: 48px 20px;
  text-align: center;
}
.cta-band h2 {
  color: var(--brand-800);
  font-size: 1.45rem;
  margin-bottom: 8px;
  letter-spacing: -0.02em;
}
.cta-band p {
  color: var(--ink-soft);
  margin-bottom: 20px;
  max-width: 520px;
  margin-left: auto;
  margin-right: auto;
}

/* ---------- Story cards (3-up with image) ---------- */
.story-section {
  background: #f4f8fb;
  padding: 48px 20px 56px;
}
.story-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
@media (max-width: 800px) {
  .story-grid { grid-template-columns: 1fr; max-width: 420px; }
}
.story-card {
  background: #fff;
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  border: 1px solid #e8eef3;
}
.story-card-img {
  height: 180px;
  background-size: cover;
  background-position: center;
}
.story-card-img.s1 {
  background: linear-gradient(135deg, #d6e8f5 0%, #8eb8d9 40%, #1a5f8a 100%);
  position: relative;
}
.story-card-img.s1::after {
  content: "STATEMENT";
  position: absolute;
  left: 16px; bottom: 16px;
  font-size: 11px; font-weight: 800; letter-spacing: 0.12em;
  color: #fff; background: #005ea2; padding: 4px 8px;
}
.story-card-img.s2 {
  background: linear-gradient(160deg, #3d5a73 0%, #1e3a52 50%, #0d2133 100%);
  position: relative;
}
.story-card-img.s2::after {
  content: "⚠ ALERT";
  position: absolute;
  left: 16px; bottom: 16px;
  font-size: 12px; font-weight: 700;
  color: #fff; background: rgba(198,40,40,0.9); padding: 4px 10px;
}
.story-card-img.s3 {
  background: linear-gradient(120deg, #e8f0e8 0%, #a8c4a8 35%, #2d6a4f 100%);
  position: relative;
}
.story-card-img.s3::after {
  content: "PROCESS";
  position: absolute;
  left: 16px; bottom: 16px;
  font-size: 11px; font-weight: 800; letter-spacing: 0.1em;
  color: #fff; background: #1b4332; padding: 4px 8px;
}
.story-card-body { padding: 22px 22px 28px; }
.story-card-body h3 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.25rem;
  font-weight: 400;
  margin-bottom: 12px;
}
.story-card-body h3 a {
  color: #1a4480;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.story-card-body h3 a:hover { color: #005ea2; }
.story-card-body p {
  color: #3d4551;
  font-size: 0.98rem;
  line-height: 1.5;
}

/* ---------- Email signup strip ---------- */
.signup-strip {
  background: linear-gradient(90deg, #0d3a66 0%, #1a5a96 50%, #0d3a66 100%);
  color: #fff;
  padding: 36px 20px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.signup-strip::before {
  content: "";
  position: absolute;
  inset: 0;
  opacity: 0.15;
  background: radial-gradient(ellipse at 50% 0%, #fff 0%, transparent 60%);
}
.signup-inner {
  position: relative;
  max-width: 900px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 16px 24px;
}
.signup-strip h2 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.5rem;
  font-weight: 400;
  margin: 0;
}
.signup-strip .btn-stay {
  background: #1b1b1b;
  color: #fff !important;
  padding: 12px 22px;
  font-weight: 700;
  text-decoration: none !important;
  border: none;
  display: inline-block;
}
.signup-strip .btn-stay:hover { background: #000; }
.signup-social {
  display: flex;
  gap: 12px;
  align-items: center;
  padding-left: 16px;
  border-left: 1px solid rgba(255,255,255,0.35);
  margin-left: 8px;
}
.signup-social a {
  color: #fff;
  width: 28px; height: 28px;
  display: grid; place-items: center;
  opacity: 0.9;
  text-decoration: none;
  font-size: 0.85rem;
  font-weight: 700;
  border: 1px solid rgba(255,255,255,0.5);
  border-radius: 2px;
}
.signup-social a:hover { opacity: 1; background: rgba(255,255,255,0.12); }
@media (max-width: 600px) {
  .signup-social { border-left: none; padding-left: 0; margin-left: 0; }
}

/* ---------- News and Updates ---------- */
.news-section {
  background: #fff;
  padding: 48px 20px 64px;
}
.news-inner {
  max-width: 1200px;
  margin: 0 auto;
}
.news-section > .news-inner > h2,
.news-title {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.85rem;
  font-weight: 400;
  color: #1b1b1b;
  margin-bottom: 8px;
}
.news-rule {
  height: 1px;
  background: #a9aeb1;
  margin-bottom: 28px;
}
.news-cols {
  display: grid;
  grid-template-columns: 1.1fr 1.1fr 0.9fr;
  gap: 0 28px;
}
@media (max-width: 900px) {
  .news-cols { grid-template-columns: 1fr; gap: 32px; }
}
.news-col {
  padding-right: 20px;
  border-right: 1px solid #dfe1e2;
}
.news-cols .news-col:last-child {
  border-right: none;
  padding-right: 0;
}
@media (max-width: 900px) {
  .news-col { border-right: none; padding-right: 0; border-bottom: 1px solid #dfe1e2; padding-bottom: 24px; }
  .news-cols .news-col:last-child { border-bottom: none; }
}
.news-tag {
  display: inline-block;
  background: #e7f2f8;
  color: #1a4480;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 3px 8px;
  margin-bottom: 10px;
}
.news-item h3 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.2rem;
  font-weight: 400;
  line-height: 1.3;
  margin-bottom: 10px;
}
.news-item h3 a {
  color: #1a4480;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.news-item h3 a:hover { color: #005ea2; }
.news-meta {
  font-size: 0.85rem;
  color: #565c65;
  margin-bottom: 14px;
}
.news-item + .news-item { margin-top: 22px; padding-top: 18px; border-top: 1px solid #e6e6e6; }
.news-btn {
  display: inline-block;
  background: #005ea2;
  color: #fff !important;
  padding: 12px 20px;
  font-weight: 700;
  text-decoration: none !important;
  font-size: 0.95rem;
  margin-top: 8px;
}
.news-btn:hover { background: #1a4480; color: #fff !important; }
.news-side h3 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.35rem;
  font-weight: 400;
  margin-bottom: 12px;
  color: #1b1b1b;
}
.news-side p {
  color: #3d4551;
  font-size: 0.95rem;
  line-height: 1.5;
  margin-bottom: 16px;
}
.news-side-block {
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid #dfe1e2;
}
.news-side-block h4 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.2rem;
  font-weight: 400;
  margin-bottom: 10px;
}

/* ---------- Mega footer ---------- */
.footer-mega-top {
  background: #162e51;
  padding: 20px 16px;
}
.footer-mega-top-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.footer-brand-block {
  display: flex;
  align-items: center;
  gap: 12px;
  color: #fff;
  text-decoration: none;
}
.footer-brand-block:hover { color: #fff; text-decoration: none; }
.footer-brand-block .logo {
  width: 48px; height: 48px;
  border-color: rgba(255,255,255,0.4);
}
.footer-brand-block strong {
  display: block;
  font-size: 0.95rem;
  letter-spacing: 0.02em;
}
.footer-brand-block span {
  font-size: 0.75rem;
  opacity: 0.85;
}
.footer-mega-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
}
.footer-mega-links a {
  color: #fff;
  font-size: 0.95rem;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.footer-mega-links a:hover { color: #dfe1e2; }

.footer-mega {
  background: #f0f0f0;
  padding: 40px 16px 48px;
  border-top: 1px solid #dfe1e2;
}
.footer-mega-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 24px 20px;
}
@media (max-width: 900px) {
  .footer-mega-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 500px) {
  .footer-mega-grid { grid-template-columns: 1fr; }
}
.footer-mega-col h4 {
  color: #005ea2;
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 14px;
}
.footer-mega-col ul { list-style: none; }
.footer-mega-col li { margin-bottom: 8px; }
.footer-mega-col a {
  color: #1b1b1b;
  font-size: 0.9rem;
  text-decoration: underline;
  text-underline-offset: 2px;
  line-height: 1.35;
}
.footer-mega-col a:hover { color: #005ea2; }

.footer-legal-bar {
  background: #1b1b1b;
  color: #a9aeb1;
  padding: 16px;
  font-size: 0.85rem;
}
.footer-legal-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 12px;
}
.footer-legal-bar a { color: #a9aeb1; margin-right: 12px; }
.footer-legal-bar a:hover { color: #fff; }

/* Footer — multi-column portal style */
.footer {
  background: #1b1b1b;
  color: #f0f0f0;
  padding: 0;
  margin-top: auto;
}
.footer-primary {
  background: #162e51;
  padding: 40px 16px 36px;
}
.footer-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1.1fr;
  gap: 28px 32px;
}
@media (max-width: 800px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
}
.footer h4 {
  font-size: 0.95rem;
  margin-bottom: 14px;
  color: #fff;
  font-weight: 700;
  letter-spacing: 0.01em;
}
.footer ul { list-style: none; }
.footer li { margin-bottom: 10px; }
.footer a {
  color: #dfe1e2;
  font-size: 0.92rem;
  text-decoration: none;
}
.footer a:hover { color: #fff; text-decoration: underline; }
.footer p { font-size: 0.9rem; line-height: 1.55; color: #c9c9c9; }
.footer-secondary {
  background: #1b1b1b;
  border-top: 1px solid #3d4551;
  padding: 16px;
}
.footer-secondary-inner {
  max-width: 1200px;
  margin: 0 auto;
  display: flex;
  flex-wrap: wrap;
  gap: 12px 24px;
  justify-content: space-between;
  align-items: center;
  font-size: 0.85rem;
  color: #a9aeb1;
}
.footer-secondary a {
  color: #a9aeb1;
  margin-right: 14px;
  font-size: 0.85rem;
}
.footer-secondary a:hover { color: #fff; }
.footer-bottom {
  max-width: 1200px;
  margin: 0 auto;
  padding: 12px 16px 20px;
  text-align: left;
  font-size: 0.8rem;
  color: #71767a;
}

@media (max-width: 700px) {
  .portal-bar-actions {
    width: 100%;
  }
  .portal-btn {
    flex: 1 1 auto;
    min-height: 40px;
    font-size: 12px;
    padding: 0 10px;
  }
  .portal-bar-actions .lang-link {
    display: none;
  }
}

/* ---------- Form / wizard ---------- */
.page {
  max-width: 900px;
  margin: 36px auto 72px;
  padding: 0 20px;
}
.page-intro {
  margin-bottom: 22px;
}
.page-intro h2 {
  color: var(--brand-800);
  font-size: 1.55rem;
  letter-spacing: -0.02em;
  margin-bottom: 6px;
}
.page-intro p { color: var(--muted); }

.progress {
  display: flex;
  justify-content: space-between;
  gap: 6px;
  margin-bottom: 28px;
  position: relative;
}
.progress::before {
  content: "";
  position: absolute;
  top: 18px;
  left: 10%;
  right: 10%;
  height: 3px;
  background: var(--line);
  z-index: 0;
  border-radius: 2px;
}
.progress-step {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  position: relative;
  z-index: 1;
  text-align: center;
}
.progress-num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #d9e3ea;
  color: var(--muted);
  display: grid;
  place-items: center;
  font-weight: 750;
  font-size: 0.9rem;
  margin-bottom: 8px;
  transition: background 0.2s, color 0.2s, box-shadow 0.2s;
  border: 2px solid transparent;
}
.progress-step.active .progress-num {
  background: var(--brand-700);
  color: #fff;
  box-shadow: 0 0 0 4px rgba(18, 107, 150, 0.2);
}
.progress-step.done .progress-num {
  background: var(--ok);
  color: #fff;
}
.progress-label {
  font-size: 12px;
  color: var(--muted);
  max-width: 88px;
  line-height: 1.25;
}
.progress-step.active .progress-label {
  color: var(--brand-800);
  font-weight: 650;
}

.panel {
  background: linear-gradient(180deg, #fff 0%, #f7fafc 100%);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow-md);
}
.panel h2 {
  color: var(--brand-800);
  font-size: 1.45rem;
  letter-spacing: -0.02em;
  margin-bottom: 6px;
}
.panel .lede {
  color: var(--muted);
  margin-bottom: 24px;
  font-size: 0.98rem;
}
.form-step { display: none; animation: fadeIn 0.28s var(--ease); }
.form-step.active { display: block; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: none; }
}

.field { margin-bottom: 18px; }
.field label {
  display: block;
  font-weight: 650;
  margin-bottom: 7px;
  font-size: 0.95rem;
  color: var(--ink);
}
.field .req { color: var(--accent); }
.field input,
.field select,
.field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: #fff;
  font-size: 1rem;
  color: var(--ink);
  transition: border-color 0.15s, box-shadow 0.15s;
}
.field input:focus,
.field select:focus,
.field textarea:focus {
  outline: none;
  border-color: var(--brand-500);
  box-shadow: 0 0 0 3px rgba(26, 134, 184, 0.18);
}
.field textarea { min-height: 120px; resize: vertical; }
.field .hint { font-size: 12px; color: var(--muted); margin-top: 5px; }
.field-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
@media (max-width: 560px) {
  .field-row { grid-template-columns: 1fr; }
  .panel { padding: 22px 16px; }
}

.chip-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px;
}
@media (max-width: 640px) {
  .chip-grid { grid-template-columns: 1fr 1fr; }
}
.chip {
  border: 1.5px solid var(--line);
  background: #fff;
  border-radius: 10px;
  padding: 14px 12px;
  text-align: center;
  cursor: pointer;
  transition: all 0.15s var(--ease);
  font-size: 0.9rem;
}
.chip:hover {
  border-color: var(--brand-500);
  background: var(--brand-50);
}
.chip.selected {
  border-color: var(--brand-700);
  background: var(--brand-100);
  box-shadow: 0 0 0 3px rgba(13, 79, 114, 0.12);
  font-weight: 650;
}
.chip strong {
  display: block;
  color: var(--brand-800);
  margin-bottom: 3px;
  font-size: 0.92rem;
}
.chip span { color: var(--muted); font-size: 0.78rem; }

.form-actions {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  margin-top: 26px;
  flex-wrap: wrap;
}

.review {
  background: var(--brand-50);
  border: 1px solid #c8e0ef;
  border-radius: 10px;
  padding: 16px 18px;
}
.review dt {
  font-weight: 700;
  color: var(--brand-800);
  margin-top: 12px;
  font-size: 0.88rem;
}
.review dt:first-child { margin-top: 0; }
.review dd {
  color: var(--ink-soft);
  margin: 2px 0 0;
  font-size: 0.95rem;
}

.check-row {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-top: 18px;
  font-size: 0.92rem;
  color: var(--ink-soft);
}
.check-row input { width: auto; margin-top: 3px; accent-color: var(--brand-700); }

/* Confirmation */
.confirm-wrap {
  max-width: 640px;
  margin: 48px auto 72px;
  padding: 0 20px;
  text-align: center;
}
.confirm-wrap .panel { padding: 40px 28px; }
.ok-burst {
  width: 68px;
  height: 68px;
  margin: 0 auto 16px;
  border-radius: 50%;
  background: var(--ok-bg);
  color: var(--ok);
  display: grid;
  place-items: center;
  font-size: 28px;
  font-weight: 800;
  animation: pop 0.4s var(--ease);
}
@keyframes pop {
  from { transform: scale(0.7); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}
.case-id {
  font-size: 1.4rem;
  font-weight: 750;
  color: var(--brand-800);
  letter-spacing: 0.04em;
  background: var(--brand-100);
  border: 1px solid #c8e0ef;
  padding: 14px 16px;
  border-radius: 10px;
  margin: 18px 0;
  word-break: break-all;
}
.next-list {
  text-align: left;
  margin: 20px 0 0;
  padding: 0 0 0 1.1em;
  color: var(--ink-soft);
  font-size: 0.95rem;
}
.next-list li { margin-bottom: 8px; }

/* Track result */
.track-result {
  display: none;
  margin-top: 20px;
  padding: 18px;
  border-radius: 10px;
  background: var(--brand-50);
  border: 1px solid #c8e0ef;
  text-align: left;
}
.track-result.show { display: block; animation: fadeIn 0.25s var(--ease); }
.track-result.err {
  background: #fdecea;
  border-color: #f0c0ba;
  color: #8a1c1c;
}
.track-result p { margin-bottom: 6px; font-size: 0.95rem; }

/* FAQ */
.faq details {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 14px 18px;
  margin-bottom: 10px;
  box-shadow: var(--shadow-sm);
}
.faq summary {
  cursor: pointer;
  font-weight: 650;
  color: var(--brand-800);
  list-style: none;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+";
  float: right;
  color: var(--brand-500);
  font-weight: 700;
}
.faq details[open] summary::after { content: "–"; }
.faq details p {
  margin-top: 10px;
  color: var(--muted);
  font-size: 0.95rem;
}

/* Mobile nav collapse helper */
@media (max-width: 700px) {
  .hero { padding: 52px 16px 60px; }
  .brand-copy h1 { font-size: 1.05rem; }
  .progress-label { font-size: 11px; }
}