/* ==========================================================================
   Aglet Funding — shared stylesheet (all 10 pages)
   Design language: Classic Trustworthy Finance — navy / white / gold,
   Playfair Display + Source Sans 3, portico mark, engraved double rules,
   Roman-numeral medallions.
   Visual source of truth: website/mockups/02-classic-finance.html
   --------------------------------------------------------------------------
   CONTENTS
     1.  Design tokens
     2.  Reset & base
     3.  Utilities
     4.  Typography helpers (eyebrow, section heads, engraved rules)
     5.  Buttons
     6.  Header / nav (sticky, CSS-only mobile menu, Programs dropdown)
     7.  Hero (home)
     8.  Page hero (compact, subpages) + breadcrumbs
     9.  Trust strip
    10.  Section bands (white / warm / navy)
    11.  Steps & Roman-numeral medallions
    12.  Program cards / why grid / link-more
    13.  Honest-flaw block
    14.  FAQ accordion
    15.  Forms (fields, consent block, validation, success)
    16.  Apply stepper (3 visual steps; degrades to one long form)
    17.  Layout helpers (with-aside, aside cards)
    18.  Prose (long-form program/article pages) + legal pages
    19.  CTA band
    20.  Footer
   ========================================================================== */

/* ============ 1. Design tokens ============ */
:root {
  /* Palette */
  --navy:           #0f2440;
  --navy-deep:      #0a1a30;
  --navy-soft:      #16304f;
  --ink:            #22303f;
  --muted:          #4d5a68;
  --paper:          #ffffff;
  --warm:           #f6f4ef;
  --warm-deep:      #eeeae1;
  --gold:           #a8853a;
  --gold-deep:      #755b25;
  --gold-soft:      #c9a961;
  --gold-border:    #93732c;
  --rule:           #e2ddd2;
  --rule-navy:      rgba(255,255,255,.14);
  --on-navy:        #c6cfdc;
  --on-navy-strong: #f4f1e9;
  --on-navy-soft:   #a9b6c8;

  /* Supporting colors (extracted from mockup literals) */
  --label:          #3c4a5c;
  --note:           #6b7684;
  --nav-link:       #33415a;
  --input-bg:       #fdfcfa;
  --input-border:   #cfc9bc;
  --err:            #a33c2e;
  --err-deep:       #8f2f22;
  --err-bg:         #fdf6f4;
  --footer-text:    #a9b4c4;
  --footer-muted:   #97a3b4;
  --footer-link:    #b6c0ce;
  --hero-ink:       #fdfcf8;

  /* Type */
  --serif: "Playfair Display", Georgia, "Times New Roman", Times, serif;
  --sans:  "Source Sans 3", -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  /* Type scale */
  --fs-body:       1.0625rem;
  --fs-display:    clamp(2.35rem, 5.4vw, 3.7rem);   /* home hero h1 */
  --fs-page-title: clamp(2rem, 4vw, 2.9rem);         /* subpage h1 */
  --fs-title:      clamp(1.9rem, 3.4vw, 2.6rem);     /* section h2 */
  --fs-quote:      clamp(1.4rem, 2.6vw, 1.9rem);
  --fs-card-h:     1.4rem;
  --fs-h3:         1.28rem;

  /* Spacing scale */
  --space-xs:  8px;
  --space-sm:  14px;
  --space-md:  22px;
  --space-lg:  40px;
  --space-xl:  60px;
  --space-2xl: 96px;

  /* Layout */
  --container-w:   1140px;
  --container-pad: 28px;
  --header-h:      72px;
  --radius:        2px;

  /* Effects */
  --shadow-card:  0 16px 34px rgba(15,36,64,.1);
  --shadow-form:  0 26px 60px rgba(6,15,30,.4);
  --shadow-menu:  0 18px 34px rgba(10,26,48,.12);
  --grad-navy: radial-gradient(115% 90% at 50% 0%, var(--navy-soft) 0%, var(--navy) 55%, var(--navy-deep) 100%);
}

/* ============ 2. Reset & base ============ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}

body {
  font-family: var(--sans);
  font-size: var(--fs-body);
  line-height: 1.7;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; display: block; }
fieldset { border: 0; min-width: 0; }
legend { padding: 0; display: block; width: 100%; }

.container { max-width: var(--container-w); margin: 0 auto; padding: 0 var(--container-pad); }
@media (max-width: 560px) { .container { padding: 0 20px; } }

/* ============ 3. Utilities ============ */
[hidden] { display: none !important; }
.is-hidden { visibility: hidden; }
.text-center { text-align: center; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 400;
  background: var(--navy); color: #fff;
  font: 600 .85rem/1 var(--sans);
  padding: 13px 20px;
  border-radius: var(--radius);
  text-decoration: none;
}
.skip-link:focus { left: 12px; top: 12px; outline: 2px solid var(--gold-soft); outline-offset: 2px; }

/* ============ 4. Typography helpers ============ */
.eyebrow {
  font: 600 .76rem/1.4 var(--sans);
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--gold-deep);
}
.on-dark .eyebrow { color: var(--gold-soft); }

.sec-head { text-align: center; max-width: 660px; margin: 0 auto var(--space-xl); }
.sec-title {
  font: 500 var(--fs-title)/1.2 var(--serif);
  color: var(--navy);
  margin-top: 14px;
  letter-spacing: .01em;
}
.on-dark .sec-title { color: var(--on-navy-strong); }
.sec-sub { margin-top: 18px; color: var(--muted); font-size: 1.05rem; }
.on-dark .sec-sub { color: var(--on-navy); }
.dark .sec-head { margin-bottom: 46px; }

/* Engraved double-rule divider — the signature ornament */
.sec-rule, .honest-rule, .rule-engraved {
  width: 64px; height: 5px;
  border: none;
  border-top: 1px solid var(--gold);
  border-bottom: 1px solid var(--gold);
  margin: 22px auto 0;
}
.honest-rule { margin: 30px auto 0; border-top-color: var(--gold-soft); border-bottom-color: var(--gold-soft); }
.on-dark .rule-engraved { border-top-color: var(--gold-soft); border-bottom-color: var(--gold-soft); }

/* ============ 5. Buttons ============ */
.btn {
  display: inline-block;
  padding: 15px 34px;
  border: 1px solid transparent;
  border-radius: var(--radius);
  font: 600 .8rem/1 var(--sans);
  letter-spacing: .13em;
  text-transform: uppercase;
  text-decoration: none;
  cursor: pointer;
  transition: background-color .18s ease, border-color .18s ease, color .18s ease;
}
.btn:focus-visible { outline: 2px solid var(--gold-soft); outline-offset: 3px; }

.btn-gold { background: var(--gold); border-color: var(--gold-border); color: #10233d; }
.btn-gold:hover { background: var(--gold-border); color: #fff; }

.btn-navy { background: var(--navy); border-color: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-soft); border-color: var(--navy-soft); }
.btn-navy:focus-visible { outline-color: var(--navy); }

.btn-ghost { background: transparent; border-color: rgba(255,255,255,.45); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.09); border-color: rgba(255,255,255,.75); }

/* Navy outline on light backgrounds (stepper Back button etc.) */
.btn-outline { background: transparent; border-color: var(--navy); color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-outline:focus-visible { outline-color: var(--navy); }

/* ============ 6. Header / nav ============ */
.site-header {
  position: sticky; top: 0; z-index: 200;
  background: var(--paper);
  border-bottom: 1px solid var(--rule);
}
.nav-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: var(--header-h); position: relative;
}
.brand {
  display: flex; align-items: center; gap: 12px;
  text-decoration: none; color: var(--navy);
}
.brand:focus-visible { outline: 2px solid var(--navy); outline-offset: 4px; }
.brand svg { flex: 0 0 auto; }
.brand-name {
  font: 600 1.22rem/1 var(--serif);
  letter-spacing: .06em;
  color: var(--navy);
}
.brand-name small {
  display: block;
  font: 600 .58rem/1 var(--sans);
  letter-spacing: .3em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-top: 4px;
}

.nav-links { display: flex; align-items: center; gap: 34px; }
.nav-links a:not(.btn) {
  font: 600 .93rem/1 var(--sans);
  color: var(--nav-link);
  text-decoration: none;
  padding: 6px 2px;
  border-bottom: 2px solid transparent;
  transition: color .15s ease, border-color .15s ease;
}
.nav-links a:not(.btn):hover { color: var(--navy); border-bottom-color: var(--gold); }
.nav-links a:not(.btn):focus-visible { outline: 2px solid var(--navy); outline-offset: 4px; }
.nav-links .btn { padding: 12px 22px; }

/* Programs dropdown — CSS-only (hover + :focus-within), no JS required */
.nav-drop { position: relative; display: flex; align-items: center; height: var(--header-h); }
.nav-drop-label { display: inline-flex; align-items: center; gap: 7px; }
.nav-caret { flex: 0 0 auto; color: var(--gold); transition: transform .15s ease; }
.nav-drop:hover .nav-caret,
.nav-drop:focus-within .nav-caret { transform: rotate(180deg); }
.nav-drop-menu {
  position: absolute; top: 100%; left: 50%;
  transform: translate(-50%, 6px);
  min-width: 244px;
  background: var(--paper);
  border: 1px solid var(--rule);
  border-top: 2px solid var(--gold);
  border-radius: var(--radius);
  box-shadow: var(--shadow-menu);
  padding: 8px 0;
  opacity: 0; pointer-events: none;
  transition: opacity .15s ease, transform .15s ease;
  z-index: 210;
}
.nav-drop:hover .nav-drop-menu,
.nav-drop:focus-within .nav-drop-menu {
  opacity: 1; pointer-events: auto;
  transform: translate(-50%, 0);
}
.nav-links .nav-drop-menu a {
  display: block;
  padding: 11px 20px;
  font-size: .92rem;
  border-bottom: none;
}
.nav-links .nav-drop-menu a:hover { background: var(--warm); color: var(--navy); }

/* Mobile nav: CSS-only checkbox toggle (works without JS) */
.nav-toggle {
  position: absolute; right: 20px; top: 50%;
  width: 44px; height: 44px; transform: translateY(-50%);
  opacity: 0; cursor: pointer; display: none; z-index: 2;
}
.nav-burger {
  display: none;
  position: absolute; right: 20px; top: 50%;
  width: 44px; height: 44px; transform: translateY(-50%);
  border: 1px solid var(--rule); border-radius: var(--radius);
  cursor: pointer;
}
.nav-burger span, .nav-burger span::before, .nav-burger span::after {
  content: ""; position: absolute; left: 11px; right: 11px; height: 2px;
  background: var(--navy); transition: transform .18s ease, opacity .18s ease;
}
.nav-burger span { top: 21px; }
.nav-burger span::before { left: 0; right: 0; top: -7px; }
.nav-burger span::after  { left: 0; right: 0; top: 7px; }
.nav-toggle:focus-visible ~ .nav-burger { outline: 2px solid var(--navy); outline-offset: 3px; }
.nav-toggle:checked ~ .nav-burger span { background: transparent; }
.nav-toggle:checked ~ .nav-burger span::before { transform: translateY(7px) rotate(45deg); }
.nav-toggle:checked ~ .nav-burger span::after  { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 860px) {
  .nav-toggle, .nav-burger { display: block; }
  .nav-links {
    display: none;
    position: absolute; left: 0; right: 0; top: var(--header-h);
    flex-direction: column; align-items: stretch; gap: 0;
    background: var(--paper);
    border-bottom: 1px solid var(--rule);
    box-shadow: 0 14px 24px rgba(10,26,48,.08);
    padding: 8px 20px 20px;
  }
  .nav-toggle:checked ~ .nav-links { display: flex; }
  .nav-links a:not(.btn) {
    padding: 15px 4px;
    border-bottom: 1px solid var(--rule);
    font-size: 1rem;
  }
  .nav-links a:not(.btn):hover { border-bottom-color: var(--gold); }
  .nav-links .btn { margin-top: 16px; text-align: center; }

  /* Dropdown flattens into grouped, indented links */
  .nav-drop { display: block; position: static; height: auto; }
  .nav-drop-label { display: flex; width: 100%; justify-content: space-between; }
  .nav-caret { align-self: center; }
  .nav-drop-menu {
    position: static;
    transform: none;
    opacity: 1; pointer-events: auto;
    min-width: 0;
    background: transparent;
    border: none; border-radius: 0;
    box-shadow: none;
    padding: 0 0 0 18px;
  }
  .nav-links .nav-drop-menu a {
    padding: 13px 4px;
    font-size: .95rem;
    border-bottom: 1px solid var(--rule);
  }
  .nav-links .nav-drop-menu a:hover { background: transparent; border-bottom-color: var(--gold); }
}

/* ============ 7. Hero (home) ============ */
.hero {
  background: var(--grad-navy);
  color: var(--on-navy);
  text-align: center;
  padding: 104px 0 96px;
  border-bottom: 3px solid var(--gold);
}
.hero-ornament { margin: 0 auto 30px; width: 68px; color: var(--gold-soft); }
.hero h1 {
  font: 500 var(--fs-display)/1.14 var(--serif);
  color: var(--hero-ink);
  max-width: 17ch;
  margin: 0 auto;
  letter-spacing: .005em;
}
.hero-sub {
  max-width: 620px;
  margin: 26px auto 0;
  font-size: 1.13rem;
  color: var(--on-navy);
}
.hero-ctas { margin-top: var(--space-lg); display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.hero-micro {
  margin-top: 26px;
  font: 600 .8rem/1.6 var(--sans);
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--on-navy-soft);
}
.hero-micro b { color: var(--gold-soft); font-weight: 600; padding: 0 10px; }
@media (max-width: 560px) {
  .hero { padding: 72px 0 66px; }
  .hero-ctas .btn { width: 100%; text-align: center; }
}

/* ============ 8. Page hero (compact, subpages) + breadcrumbs ============ */
.page-hero {
  background: var(--grad-navy);
  color: var(--on-navy);
  text-align: center;
  padding: 64px 0 58px;
  border-bottom: 3px solid var(--gold);
}
.page-hero .eyebrow { margin-bottom: 14px; }
.page-hero h1 {
  font: 500 var(--fs-page-title)/1.16 var(--serif);
  color: var(--hero-ink);
  max-width: 24ch;
  margin: 0 auto;
  letter-spacing: .005em;
}
.page-hero-sub {
  max-width: 640px;
  margin: 18px auto 0;
  font-size: 1.1rem;
  color: var(--on-navy);
}
.page-hero .breadcrumbs { margin-bottom: var(--space-md); }
@media (max-width: 560px) { .page-hero { padding: 46px 0 42px; } }

.breadcrumbs {
  font: 600 .72rem/1.5 var(--sans);
  letter-spacing: .16em;
  text-transform: uppercase;
}
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; justify-content: center; }
.breadcrumbs li { display: flex; align-items: center; }
.breadcrumbs li + li::before {
  content: "\203A";
  font: 400 1rem/1 var(--serif);
  margin: 0 10px;
  color: var(--gold);
}
.breadcrumbs a {
  color: var(--muted);
  text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: color .15s ease, border-color .15s ease;
}
.breadcrumbs a:hover { color: var(--navy); border-bottom-color: var(--gold); }
.breadcrumbs a:focus-visible { outline: 2px solid var(--navy); outline-offset: 3px; }
.breadcrumbs [aria-current="page"] { color: var(--navy); }
.on-dark .breadcrumbs a { color: var(--on-navy-soft); }
.on-dark .breadcrumbs a:hover { color: #fff; border-bottom-color: var(--gold-soft); }
.on-dark .breadcrumbs a:focus-visible { outline-color: var(--gold-soft); }
.on-dark .breadcrumbs li + li::before { color: var(--gold-soft); }
.on-dark .breadcrumbs [aria-current="page"] { color: var(--gold-soft); }

/* ============ 9. Trust strip ============ */
.trust { background: var(--paper); border-bottom: 1px solid var(--rule); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-item {
  padding: 34px 26px;
  text-align: center;
  border-left: 1px solid var(--rule);
}
.trust-item:first-child { border-left: none; }
.trust-item .t-rule { display: block; width: 26px; height: 1px; background: var(--gold); margin: 0 auto 14px; }
.trust-item p {
  font: 500 1.02rem/1.5 var(--serif);
  color: var(--navy);
  max-width: 24ch; margin: 0 auto;
}
@media (max-width: 900px) {
  .trust-grid { grid-template-columns: 1fr 1fr; }
  .trust-item { border-left: none; border-top: 1px solid var(--rule); }
  .trust-item:nth-child(-n+2) { border-top: none; }
  .trust-item:nth-child(even) { border-left: 1px solid var(--rule); }
}
@media (max-width: 560px) {
  .trust-grid { grid-template-columns: 1fr; }
  .trust-item { border-left: none !important; border-top: 1px solid var(--rule); padding: 24px 20px; }
  .trust-item:first-child { border-top: none; }
}

/* ============ 10. Section bands ============ */
.section { padding: var(--space-2xl) 0; }
.section.alt { background: var(--warm); }
.section.dark { background: var(--navy); }
@media (max-width: 700px) { .section { padding: 68px 0; } }

/* ============ 11. Steps & Roman-numeral medallions ============ */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 44px; }
.step { text-align: center; padding: 0 8px; }
.step-num, .medallion {
  width: 64px; height: 64px; margin: 0 auto 22px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font: 500 1.45rem/1 var(--serif);
  color: var(--gold-deep);
  background: var(--paper);
  box-shadow: 0 0 0 5px var(--warm), 0 0 0 6px var(--rule);
}
/* On white sections the halo ring matches the paper background instead */
.medallion-on-white { box-shadow: 0 0 0 5px var(--paper), 0 0 0 6px var(--rule); }
.step h3 { font: 600 var(--fs-h3)/1.35 var(--serif); color: var(--navy); margin-bottom: 12px; }
.step p { color: var(--muted); font-size: 1rem; max-width: 34ch; margin: 0 auto; }
@media (max-width: 860px) {
  .steps { grid-template-columns: 1fr; gap: 40px; max-width: 440px; margin: 0 auto; }
}

/* ============ 12. Program cards / why grid / link-more ============ */
.programs-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; }
.program-card {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 40px 38px 36px;
  transition: box-shadow .2s ease, transform .2s ease;
}
.program-card:hover {
  box-shadow: var(--shadow-card);
  transform: translateY(-3px);
}
a.program-card { display: block; text-decoration: none; color: inherit; }
a.program-card:focus-visible { outline: 2px solid var(--navy); outline-offset: 3px; }
.program-card svg { color: var(--gold); margin-bottom: 20px; }
.program-card h3 { font: 600 var(--fs-card-h)/1.3 var(--serif); color: var(--navy); margin-bottom: 10px; }
.program-card p { color: var(--muted); font-size: 1rem; max-width: 52ch; }
.card-more {
  display: inline-block;
  margin-top: 18px;
  font: 600 .76rem/1 var(--sans);
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--gold-deep);
  border-bottom: 1px solid var(--gold);
  padding-bottom: 4px;
  transition: color .15s ease, border-color .15s ease;
}
.card-more::after { content: "\2192"; margin-left: 8px; }
.program-card:hover .card-more { color: var(--navy); border-bottom-color: var(--navy); }
@media (max-width: 760px) {
  .programs-grid { grid-template-columns: 1fr; }
  .program-card { padding: 32px 26px 30px; }
}

.why-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 0;
  border: 1px solid var(--rule);
  background: var(--paper);
}
.why-item { padding: 42px 44px; border-left: 1px solid var(--rule); border-top: 1px solid var(--rule); }
.why-item:nth-child(-n+2) { border-top: none; }
.why-item:nth-child(odd) { border-left: none; }
.why-item svg { color: var(--gold); margin-bottom: 16px; }
.why-item h3 { font: 600 1.22rem/1.35 var(--serif); color: var(--navy); margin-bottom: 8px; }
.why-item p { color: var(--muted); font-size: 1rem; }
@media (max-width: 760px) {
  .why-grid { grid-template-columns: 1fr; }
  .why-item { border-left: none !important; border-top: 1px solid var(--rule) !important; padding: 30px 26px; }
  .why-item:first-child { border-top: none !important; }
}

/* Standalone "see more" text link (e.g. FAQ section -> faq.html) */
.link-more {
  display: inline-block;
  font: 600 .8rem/1 var(--sans);
  letter-spacing: .13em;
  text-transform: uppercase;
  color: var(--gold-deep);
  text-decoration: none;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 5px;
  transition: color .15s ease, border-color .15s ease;
}
.link-more::after { content: "\2192"; margin-left: 8px; }
.link-more:hover { color: var(--navy); border-bottom-color: var(--navy); }
.link-more:focus-visible { outline: 2px solid var(--navy); outline-offset: 4px; }
.on-dark .link-more { color: var(--gold-soft); border-bottom-color: var(--gold-soft); }
.on-dark .link-more:hover { color: #fff; border-bottom-color: #fff; }
.faq-cta { text-align: center; margin-top: 34px; }

/* ============ 13. Honest-flaw block ============ */
.honest { text-align: center; color: var(--on-navy); }
.honest .container { max-width: 880px; }
.honest-quote-mark { width: 44px; margin: 26px auto 18px; color: var(--gold-soft); }
.honest blockquote {
  font: 500 var(--fs-quote)/1.5 var(--serif);
  color: var(--on-navy-strong);
  letter-spacing: .005em;
}
.honest blockquote em { font-style: italic; color: var(--gold-soft); }

/* ============ 14. FAQ accordion ============ */
.faq-list { max-width: 780px; margin: 0 auto; border-top: 1px solid var(--rule); }
.faq-list details { border-bottom: 1px solid var(--rule); }
.faq-list summary {
  list-style: none;
  display: flex; align-items: baseline; justify-content: space-between; gap: 20px;
  padding: 24px 4px;
  cursor: pointer;
  font: 600 1.18rem/1.4 var(--serif);
  color: var(--navy);
  transition: color .15s ease;
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary:hover { color: var(--gold-deep); }
.faq-list summary:focus-visible { outline: 2px solid var(--navy); outline-offset: 3px; }
.faq-list summary .faq-mark {
  flex: 0 0 auto;
  font: 400 1.5rem/1 var(--serif);
  color: var(--gold);
  transition: transform .18s ease;
}
.faq-list details[open] summary .faq-mark { transform: rotate(45deg); }
.faq-answer { padding: 0 44px 26px 4px; color: var(--muted); max-width: 68ch; }
.faq-answer p + p { margin-top: .9em; }

/* Grouped FAQ hub (faq.html): a titled group of accordions */
.faq-group { max-width: 780px; margin: 0 auto 56px; }
.faq-group:last-child { margin-bottom: 0; }
.faq-group h2 {
  font: 600 1.5rem/1.3 var(--serif);
  color: var(--navy);
  margin-bottom: 18px;
  text-align: left;
}
.faq-group .faq-list { margin: 0; }

/* ============ 15. Forms ============ */
.form-section { border-top: 3px solid var(--gold); }
.form-card {
  background: var(--paper);
  border-radius: 3px;
  border-top: 4px solid var(--gold);
  box-shadow: var(--shadow-form);
  max-width: 860px;
  margin: 0 auto;
  padding: 52px 54px 46px;
}
@media (max-width: 700px) { .form-card { padding: 34px 24px 30px; } }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 22px 22px; }
.field.wide { grid-column: 1 / -1; }
@media (max-width: 640px) { .form-grid { grid-template-columns: 1fr; } .field.wide { grid-column: auto; } }

.field label {
  display: block;
  font: 600 .76rem/1.3 var(--sans);
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--label);
  margin-bottom: 8px;
}
.field label .opt { text-transform: none; letter-spacing: .02em; color: var(--note); font-weight: 400; }
.field input, .field select, .field textarea {
  width: 100%;
  font: 400 1rem/1.4 var(--sans);
  color: var(--ink);
  background: var(--input-bg);
  border: 1px solid var(--input-border);
  border-radius: var(--radius);
  padding: 13px 14px;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.field textarea { min-height: 104px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(168,133,58,.22);
}
.field input[aria-invalid="true"], .field select[aria-invalid="true"] {
  border-color: var(--err);
  background: var(--err-bg);
}
.field-err {
  display: none;
  font: 600 .82rem/1.4 var(--sans);
  color: var(--err-deep);
  margin-top: 6px;
}
.field.invalid .field-err { display: block; }

/* SMS consent — its own gold-edged block; standalone, optional, never pre-ticked */
.consent-block {
  grid-column: 1 / -1;
  background: var(--warm);
  border: 1px solid var(--rule);
  border-left: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 20px 22px;
  margin-top: 4px;
}
.consent-head {
  font: 600 .76rem/1.3 var(--sans);
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--label);
  margin-bottom: 10px;
}
.consent-head .opt { text-transform: none; letter-spacing: .02em; color: var(--note); font-weight: 400; }
.consent-label { display: flex; gap: 12px; align-items: flex-start; cursor: pointer; }
.consent-label input[type="checkbox"] {
  flex: 0 0 auto;
  width: 19px; height: 19px;
  margin-top: 3px;
  accent-color: var(--navy);
  cursor: pointer;
}
.consent-label input[type="checkbox"]:focus-visible { outline: 2px solid var(--navy); outline-offset: 2px; }
.consent-label span { font-size: .95rem; line-height: 1.6; color: #44505e; }

/* "We never ask for sensitive information at this stage" line (apply.html) */
.form-secure {
  grid-column: 1 / -1;
  text-align: center;
  font-size: .92rem;
  color: var(--note);
  border-top: 1px solid var(--rule);
  padding-top: 18px;
  margin-top: 6px;
}

.form-actions { grid-column: 1 / -1; text-align: center; margin-top: 10px; }
.form-actions .btn { width: 100%; max-width: 340px; padding: 17px 34px; }
.form-note { margin-top: 14px; font-size: .9rem; color: var(--note); }

.form-success { text-align: center; padding: 46px 10px; }
.form-success svg { margin: 0 auto 22px; color: var(--gold); }
.form-success h3 { font: 500 1.7rem/1.3 var(--serif); color: var(--navy); margin-bottom: 12px; }
.form-success p { color: var(--muted); max-width: 46ch; margin: 0 auto; }
.form-success:focus { outline: none; }

/* ============ 16. Apply stepper ============ */
/* Markup: <form data-validate data-stepper> containing
     <ol class="stepper-progress" hidden> ... </ol>
     <fieldset class="form-step"><legend>...</legend><div class="form-grid">...</div></fieldset> x3
     <div class="stepper-controls" hidden> [data-step-back] [data-step-next] </div>
     <div class="form-actions">submit</div>
   Without JS: all fieldsets render as one long form (progress/controls stay hidden).
   JS adds .stepper-enhanced and drives .active / [hidden]. */

.form-step legend {
  font: 600 1.3rem/1.3 var(--serif);
  color: var(--navy);
  margin-bottom: 20px;
}
.form-step legend:focus { outline: none; }
.form-step .step-count {
  display: block;
  font: 600 .72rem/1.4 var(--sans);
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 6px;
}
.form-step + .form-step {
  margin-top: 40px;
  padding-top: 34px;
  border-top: 1px solid var(--rule);
}
.stepper-enhanced .form-step { display: none; }
.stepper-enhanced .form-step.active { display: block; }
.stepper-enhanced .form-step + .form-step { margin-top: 0; padding-top: 0; border-top: none; }

.stepper-progress {
  display: flex;
  justify-content: center;
  align-items: center;
  list-style: none;
  margin: 0 0 36px;
}
.stepper-progress li { display: flex; align-items: center; }
.stepper-progress li + li::before {
  content: "";
  width: 42px; height: 1px;
  background: var(--rule);
  margin: 0 14px;
}
.stepper-progress li.done + li::before,
.stepper-progress li.active::before { background: var(--gold); }
.stepper-dot {
  width: 40px; height: 40px;
  border: 1px solid var(--rule);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font: 500 1rem/1 var(--serif);
  color: var(--muted);
  background: var(--paper);
  transition: background-color .18s ease, border-color .18s ease, color .18s ease;
}
.stepper-progress li.active .stepper-dot {
  border-color: var(--gold);
  color: var(--gold-deep);
  box-shadow: 0 0 0 4px rgba(168,133,58,.18);
}
.stepper-progress li.done .stepper-dot {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--gold-soft);
}
.stepper-label {
  font: 600 .72rem/1.3 var(--sans);
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--muted);
  margin-left: 10px;
}
.stepper-progress li.active .stepper-label { color: var(--navy); }
@media (max-width: 640px) {
  .stepper-label { display: none; }
  .stepper-progress li + li::before { width: 26px; margin: 0 10px; }
}

.stepper-controls {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  margin-top: 34px;
}
.stepper-controls .btn { min-width: 130px; }
@media (max-width: 480px) {
  .stepper-controls { flex-direction: column-reverse; }
  .stepper-controls .btn { width: 100%; }
}

/* ============ 17. Layout helpers ============ */
.with-aside {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 330px;
  gap: 34px;
  align-items: start;
}
@media (max-width: 940px) { .with-aside { grid-template-columns: 1fr; } }

.aside-card {
  background: var(--paper);
  border: 1px solid var(--rule);
  border-top: 3px solid var(--gold);
  border-radius: var(--radius);
  padding: 30px 28px;
}
.aside-card + .aside-card { margin-top: var(--space-md); }
.aside-card h3 { font: 600 1.15rem/1.35 var(--serif); color: var(--navy); margin-bottom: 14px; }
.aside-card p { color: var(--muted); font-size: .97rem; }
.aside-card p + p { margin-top: .8em; }
.aside-list { list-style: none; }
.aside-list li {
  position: relative;
  padding-left: 22px;
  margin-bottom: 12px;
  color: var(--muted);
  font-size: .97rem;
}
.aside-list li:last-child { margin-bottom: 0; }
.aside-list li::before {
  content: "";
  position: absolute; left: 2px; top: .52em;
  width: 7px; height: 7px;
  border: 1px solid var(--gold);
  transform: rotate(45deg);
}

/* ============ 18. Prose (long-form pages) + legal ============ */
.prose { max-width: 70ch; margin: 0 auto; }
.prose .lead { font-size: 1.16rem; color: var(--muted); margin-bottom: 1.4em; }
.prose p { margin-bottom: 1.25em; }
.prose h2 {
  font: 600 1.7rem/1.3 var(--serif);
  color: var(--navy);
  margin: 2.1em 0 .7em;
}
.prose h2::after {
  content: "";
  display: block;
  width: 44px; height: 4px;
  margin-top: 12px;
  border-top: 1px solid var(--gold);
  border-bottom: 1px solid var(--gold);
}
.prose h3 {
  font: 600 var(--fs-h3)/1.35 var(--serif);
  color: var(--navy);
  margin: 1.8em 0 .6em;
}
.prose > :first-child { margin-top: 0; }
.prose ul, .prose ol { margin: 0 0 1.25em; padding-left: 1.4em; }
.prose li { margin-bottom: .5em; }
.prose li::marker { color: var(--gold); }
.prose a {
  color: var(--gold-deep);
  text-decoration: underline;
  text-decoration-color: var(--gold);
  text-underline-offset: 3px;
}
.prose a:hover { color: var(--navy); }
.prose a:focus-visible { outline: 2px solid var(--navy); outline-offset: 3px; }
.prose strong { color: var(--navy); }
.prose blockquote {
  border-left: 3px solid var(--gold);
  padding: 6px 0 6px 22px;
  margin: 1.6em 0;
  font: 500 1.15rem/1.6 var(--serif);
  color: var(--navy);
}
.prose hr {
  border: none;
  width: 64px; height: 5px;
  border-top: 1px solid var(--gold);
  border-bottom: 1px solid var(--gold);
  margin: 2.5em auto;
}
.prose .faq-list { margin-top: 1.5em; }

/* Legal pages (privacy.html, terms.html) — quieter, denser prose */
.legal-meta {
  font: 600 .76rem/1.4 var(--sans);
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--gold-deep);
  margin-bottom: 28px;
}
.prose-legal { font-size: 1rem; }
.prose-legal h2 { font-size: 1.35rem; margin: 2em 0 .6em; }
.prose-legal h2::after { display: none; }
.prose-legal h3 { font-size: 1.1rem; }

/* ============ 19. CTA band ============ */
.cta-band {
  background: var(--grad-navy);
  color: var(--on-navy);
  text-align: center;
  padding: 84px 0;
  border-top: 3px solid var(--gold);
}
.cta-band h2 {
  font: 500 clamp(1.8rem, 3.2vw, 2.5rem)/1.25 var(--serif);
  color: var(--on-navy-strong);
  max-width: 26ch;
  margin: 14px auto 0;
  letter-spacing: .005em;
}
.cta-band p:not(.eyebrow):not(.hero-micro) {
  margin: 16px auto 0;
  max-width: 56ch;
  color: var(--on-navy);
}
.cta-band .btn { margin-top: 34px; }
.cta-band .hero-micro { margin-top: 22px; }
@media (max-width: 560px) { .cta-band { padding: 62px 0; } }

/* ============ 20. Footer ============ */
.site-footer { background: var(--navy-deep); color: var(--footer-text); font-size: .95rem; }
.footer-main {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding: 64px 0 52px;
}
.footer-brand .brand-name { color: var(--on-navy-strong); }
.footer-brand .brand-name small { color: var(--gold-soft); }
.footer-brand p { margin-top: 18px; max-width: 40ch; color: var(--footer-muted); }
.footer-brand .brand:focus-visible { outline-color: var(--gold-soft); }
.footer-col h4 {
  font: 600 .74rem/1.3 var(--sans);
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--gold-soft);
  margin-bottom: 18px;
}
.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a {
  color: var(--footer-link); text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: color .15s ease, border-color .15s ease;
}
.footer-col a:hover { color: #fff; border-bottom-color: var(--gold-soft); }
.footer-col a:focus-visible { outline: 2px solid var(--gold-soft); outline-offset: 3px; }
.footer-legal {
  border-top: 1px solid var(--rule-navy);
  padding: 24px 0 28px;
  display: flex; justify-content: space-between; align-items: center; gap: 18px; flex-wrap: wrap;
}
.footer-legal p { color: var(--footer-muted); font-size: .9rem; }
@media (max-width: 980px) {
  .footer-main { grid-template-columns: 1fr 1fr; gap: 40px; padding: 56px 0 44px; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 560px) {
  .footer-main { grid-template-columns: 1fr; gap: 36px; padding: 52px 0 40px; }
  .footer-legal { flex-direction: column; text-align: center; }
}