/* ============================================================
   Panda Money — site design system (spec 2026-10-27, ch.3)
   Modern boutique finance: deep burgundy / pure white / pearl.
   Latest user direction: one geometric sans family throughout the site.
   Headings 500; body / navigation 400; local Plus Jakarta Sans variable.
   ============================================================ */

/* ---- 3.2 colour tokens ---- */
:root {
  --brand: #713E4B;
  --focus: #713E4B;
  --brand-deep: #45262F;
  --white: #FFFFFF;
  --pearl: #F7F7F9;
  --rose: #EEE7ED;
  --neutral: #EFEDF2;
  --text: #292526;
  --text-2: #71676A;
  --divider: #DCDBE1;
  --error: #B42332;
  --error-bg: #FBEFF1;
  --success: #2B6654;
  --success-bg: #EFF5F2;

  --serif: "Plus Jakarta Sans", "Segoe UI", sans-serif;
  --sans: "Plus Jakarta Sans", "Segoe UI", sans-serif;

  /* 3.4: >=1181px gutter = max(56,(vw-1280)/2)*0.3 */
  --gutter: max(16.8px, ((100vw - 1280px) / 2) * 0.3);
  --nav-h: 98px;
  --radius: 2px;
  --tap: 44px;
  --shadow-pop: 0 18px 40px rgba(41, 37, 38, 0.14);
}

@font-face { font-family: "Plus Jakarta Sans"; font-style: normal; font-weight: 200 800; font-display: swap; src: url("../fonts/plus-jakarta-sans-variable.ttf") format("truetype"); }
@font-face { font-family: "Plus Jakarta Sans"; font-style: italic; font-weight: 200 800; font-display: swap; src: url("../fonts/plus-jakarta-sans-italic-variable.ttf") format("truetype"); }

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
[id] { scroll-margin-top: calc(var(--nav-h) + 16px); }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.8;
  font-weight: 400;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
}

button, input, select, textarea { font-family: var(--sans); }
button, input, select, textarea { font-size: inherit; }

img, video { max-width: 100%; height: auto; display: block; }

[hidden] { display: none !important; }

/* ---- 3.3 type scale ---- */
h1, h2, h3, h4 { font-family: var(--sans); font-weight: 500; margin: 0 0 0.5em; color: var(--text); }
h1 { font-size: clamp(36px, 4.6vw, 62px); line-height: 1.18; letter-spacing: -0.025em; }
.page-h1 { font-size: clamp(36px, 4.4vw, 64px); line-height: 1.18; letter-spacing: -0.025em; }
h1 em, h2 em, h3 em { font-style: normal; }
h2 { font-size: clamp(30px, 3.2vw, 46px); line-height: 1.18; letter-spacing: -0.02em; }
h3 { font-size: clamp(23px, 2vw, 28px); line-height: 1.25; }
h4 { font-size: 19px; line-height: 1.4; font-family: var(--sans); font-weight: 500; }
em { font-style: italic; }
p { margin: 0 0 1.2em; }
a { color: var(--brand); text-decoration: none; }
a:hover { color: var(--brand-deep); text-decoration: underline; text-underline-offset: 3px; }

.eyebrow {
  font-family: var(--sans); font-size: 11px; font-weight: 500;
  letter-spacing: 0.14em; text-transform: uppercase; color: var(--text-2);
  margin: 0 0 14px;
}
.lead { font-size: 19px; line-height: 1.7; color: var(--text); }
.secondary { color: var(--text-2); }
.measure { max-width: 760px; }

/* ---- focus & skip link (3.5) ---- */
:focus-visible { outline: 2px solid var(--focus); outline-offset: 3px; border-radius: 1px; }
.on-dark :focus-visible, .band-dark :focus-visible { outline-color: #fff; }
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--white); color: var(--brand); padding: 10px 18px;
  border: 1px solid var(--brand);
}
.skip-link:focus { left: 12px; top: 12px; }

/* ---- buttons (3.2, min 44px, radius 2px) ---- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: var(--tap); padding: 10px 22px;
  font-family: var(--sans); font-size: 15px; font-weight: 500; line-height: 1.5;
  border-radius: var(--radius); border: 1px solid transparent;
  cursor: pointer; text-decoration: none; transition: background-color .15s, color .15s, border-color .15s;
}
.btn-primary { background: var(--brand); color: #fff; }
.btn-primary:hover { background: var(--brand-deep); color: #fff; text-decoration: none; }
.btn-secondary { background: transparent; color: var(--brand); border-color: var(--brand); }
.btn-secondary:hover { background: var(--brand); color: #fff; text-decoration: none; }
.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.6); }
.btn-ghost-light:hover { background: #fff; color: var(--brand-deep); text-decoration: none; }
.btn[disabled] { opacity: .6; cursor: default; }
.text-link { font-weight: 500; }
.text-link .arr { font-size: 0.9em; }

/* ============================================================
   LAYOUT: page shell + gutters (3.4)
   ============================================================ */
.wrap { width: 100%; margin-inline: auto; padding-inline: var(--gutter); }
@media (max-width: 1180px) { .wrap { --gutter: 36px; } }
@media (max-width: 900px)  { .wrap { --gutter: 24px; } }
@media (max-width: 620px)  { .wrap { --gutter: 20px; } }
.section { padding-block: clamp(48px, 7vw, 104px); }
.band-pearl { background: var(--pearl); }
.band-rose { background: var(--rose); }
.band-neutral { background: var(--neutral); }
.band-dark { background: var(--brand-deep); color: #fff; }
.band-dark h1, .band-dark h2, .band-dark h3 { color: #fff; }

/* ============================================================
   HEADER / NAVIGATION (4.1, 4.2)
   ============================================================ */
.site-header {
  position: fixed; inset: 0 0 auto 0; z-index: 90;
  height: var(--nav-h);
  background: rgba(255,255,255,0.92);
  -webkit-backdrop-filter: blur(8px); backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--divider);
}
@media (max-width: 1180px) { :root { --nav-h: 82px; } }
@media (max-width: 620px) { :root { --nav-h: 75px; } }
.header-inner { display: flex; align-items: center; gap: 26px; height: 100%; }
.brand-logo img { width: 117.6px; height: auto; }
@media (max-width: 1180px) { .brand-logo img { width: 100px; } }
@media (max-width: 620px)  { .brand-logo img { width: 91.2px; } }
.nav-divider { width: 1px; align-self: stretch; margin-block: 30px; background: var(--divider); }

.main-nav { display: flex; align-items: stretch; gap: 26px; margin-left: auto; height: 100%; }
.nav-item { position: relative; display: flex; align-items: center; }
.nav-cta { align-self: center; }
.nav-top {
  display: inline-flex; align-items: center; gap: 6px;
  font-family: var(--sans); font-size: 15px; font-weight: 400; line-height: 1.5;
  color: var(--text); background: none; border: 0; padding: 8px 2px; cursor: pointer;
  min-height: var(--tap);
}
.nav-top:hover, .nav-top[aria-expanded="true"] { color: var(--brand); text-decoration: none; }
.nav-top[aria-expanded="true"] { border-bottom: 2px solid var(--brand); }
.caret {
  display: inline-block; width: 6px; height: 6px; flex: 0 0 auto;
  border-right: 1.4px solid currentColor; border-bottom: 1.4px solid currentColor;
  transform: translateY(-2px) rotate(45deg);
  transition: transform .18s ease;
}
.nav-top:hover .caret { color: var(--brand); }
.nav-top[aria-expanded="true"] .caret { transform: translateY(1px) rotate(-135deg); }
.m-toggle[aria-expanded="true"] .caret { transform: translateY(-1px) rotate(-135deg); }
body.has-hero-video .site-header { border-bottom-color: transparent; }

.nav-cta { font-size: 14px; }

/* mega panel */
.nav-panel {
  position: absolute; top: 100%; left: 50%; transform: translateX(-50%);
  background: var(--white); border: 1px solid var(--divider);
  box-shadow: var(--shadow-pop);
  padding: 32px; display: none; z-index: 95;
  max-height: calc(100svh - var(--nav-h) - 24px); overflow: auto;
}
.nav-panel[data-open="true"] { display: block; }
.nav-panel.panel-3col[data-open="true"] { display: grid; }
.nav-panel a, .nav-panel .panel-link {
  display: block; font-size: 14px; line-height: 1.6; font-weight: 400;
  color: var(--text); padding: 5px 0;
}
.nav-panel a:hover, .nav-panel .panel-link:hover { color: var(--brand); text-decoration: none; }
.panel-group-title {
  font-size: 11px; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--text-2); margin-bottom: 10px;
}
.panel-product { font-weight: 500; }
.panel-note { font-size: 13px; font-weight: 400; color: var(--text-2); margin: 2px 0 12px; }

/* Borrowers mega panel: 1180px aligned to nav column */
.panel-mega { width: min(1180px, calc(100vw - 40px)); left: 50%; }
.mega-grid { display: grid; grid-template-columns: 1fr 1fr 1fr 1fr; gap: 28px; }
.mega-intro { background: var(--pearl); margin: -32px 24px -32px -32px; padding: 32px; }
.mega-intro h3 { font-size: 30px; line-height: 1.2; margin-bottom: 10px; }
.mega-intro p { font-size: 14px; color: var(--text-2); }
.mega-bar {
  grid-column: 1 / -1; display: flex; flex-wrap: wrap; gap: 28px;
  border-top: 1px solid var(--divider); padding-top: 18px; margin-top: 4px;
}
.mega-bar a { font-weight: 500; }
@media (max-width: 1180px) {
  .mega-intro { display: none; }
  .mega-grid { grid-template-columns: 1fr 1fr 1fr; }
}
@media (max-width: 900px) {
  .panel-mega { width: min(680px, calc(100vw - 32px)); }
  .mega-grid { grid-template-columns: 1fr 1fr; }
}

/* utility panels */
.panel-links { min-width: 260px; }
.panel-links .sub { display: block; font-size: 12px; color: var(--text-2); }
.panel-login { min-width: 260px; }
.panel-about { min-width: 260px; }
.panel-3col { grid-template-columns: 1fr 1fr 1fr; gap: 28px; min-width: 640px; }
@media (max-width: 900px) { .panel-3col { grid-template-columns: 1fr; min-width: 0; } }

/* search popover */
.nav-search-btn { display: inline-flex; align-items: center; padding: 8px; color: var(--text); background: none; border: 0; cursor: pointer; min-height: var(--tap); }
.nav-search-btn:hover { color: var(--brand); }
.search-panel { min-width: 320px; }
.search-panel form { display: flex; gap: 8px; }
.search-panel input[type="search"] { flex: 1; }

/* mobile menu */
.menu-button { display: none; margin-left: auto; }
@media (max-width: 900px) {
  .main-nav { display: none; }
  .menu-button {
    display: inline-flex; align-items: center; gap: 8px;
    font-size: 17px; font-weight: 400; color: var(--text);
    background: none; border: 0; cursor: pointer; min-height: var(--tap);
  }
  .menu-button[aria-expanded="true"] { color: var(--brand); }
  body.nav-open { overflow: hidden; }
  .mobile-nav {
    display: block; position: fixed; inset: var(--nav-h) 0 0 0; z-index: 89;
    background: var(--white); overflow: auto; padding: 8px 20px 40px;
  }
  .mobile-nav[hidden] { display: none; }
  .m-group { border-bottom: 1px solid var(--divider); }
  .m-toggle {
    width: 100%; display: flex; justify-content: space-between; align-items: center;
    font-size: 17px; font-weight: 400; color: var(--text); background: none; border: 0;
    padding: 16px 0; cursor: pointer; min-height: var(--tap);
  }
  
  .m-panel { display: none; padding: 0 0 14px 6px; }
  .m-panel[data-open="true"] { display: block; }
  .m-panel a, .m-panel .panel-link { display: block; font-size: 15px; padding: 7px 0; color: var(--text); }
  .m-panel .panel-product { font-weight: 500; }
  .m-panel .panel-note { font-size: 13px; margin-bottom: 6px; }
  .m-group-title { font-size: 11px; font-weight: 500; letter-spacing: .08em; text-transform: uppercase; color: var(--text-2); padding-top: 12px; }
  .m-actions { padding: 18px 0 0; display: grid; gap: 12px; }
  .m-actions .btn { width: 100%; }
}
@media (min-width: 901px) { .mobile-nav { display: none !important; } }
@media (min-width: 901px) { .menu-button { display: none !important; } }

/* ============================================================
   HERO (T-HOME, 3.4/3.5)
   ============================================================ */
.hero-video {
  position: relative; width: 100%; height: 100svh;
  background: #171013; overflow: hidden;
}
.hero-video video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.video-toggle {
  position: absolute; right: 18px; bottom: 18px; z-index: 5;
  width: 46px; height: 46px; border-radius: 50%;
  background: rgba(255,255,255,.85); color: var(--brand-deep);
  border: 0; cursor: pointer; font-size: 15px; line-height: 1;
  display: flex; align-items: center; justify-content: center;
}
.video-toggle:hover { background: #fff; }
.hero-cover { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }

.hero-title-band { background: var(--white); }
.hero-title-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 60px; align-items: end; }
@media (max-width: 900px) { .hero-title-grid { grid-template-columns: 1fr; gap: 26px; } }
.hero-title-grid h1 { font-size: clamp(40px, 6.1vw, 74px); line-height: 1.16; letter-spacing: -0.025em; margin-bottom: 0; }
.hero-title-grid h1 em { color: var(--brand); }
.hero-side { font-size: 16px; }
.hero-side .hero-sub { font-family: var(--serif); font-size: 21px; line-height: 1.5; margin-bottom: 10px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 18px; align-items: center; margin-top: 26px; }

.expertise-bar { border-block: 1px solid var(--divider); }
.expertise-inner { display: flex; flex-wrap: wrap; gap: 14px 30px; align-items: center; padding-block: 18px; font-size: 14px; letter-spacing: .04em; color: var(--text-2); }
.expertise-inner i { width: 5px; height: 5px; background: var(--brand); display: inline-block; transform: rotate(45deg); }

/* intro two-path cards */
.audience-row { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 44px; }
@media (max-width: 760px) { .audience-row { grid-template-columns: 1fr; } }
.audience-card { border: 1px solid var(--divider); padding: 30px; background: var(--white); color: inherit; display: block; }
.audience-card:hover { text-decoration: none; border-color: var(--brand); }
.audience-card h3 { margin: 6px 0 8px; }
.audience-card p { color: var(--text-2); margin: 0; }

/* lending tabs */
.tabs { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 30px; }
.tab {
  font-family: var(--sans); font-size: 15px; font-weight: 500;
  padding: 10px 20px; min-height: var(--tap); cursor: pointer;
  background: transparent; color: var(--text-2); border: 1px solid var(--divider); border-radius: var(--radius);
}
.tab[aria-selected="true"] { background: var(--brand); border-color: var(--brand); color: #fff; }
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
@media (max-width: 900px) { .card-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .card-grid { grid-template-columns: 1fr; } }
.lend-card { border: 1px solid var(--divider); padding: 28px; display: flex; flex-direction: column; gap: 8px; background: var(--white); }
.lend-card h3 { margin: 2px 0 4px; }
.lend-card p { color: var(--text-2); font-size: 15px; margin: 0 0 10px; }
.lend-card .card-link { margin-top: auto; font-weight: 500; }

/* process band */
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; counter-reset: step; }
@media (max-width: 900px) { .process-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 620px) { .process-grid { grid-template-columns: 1fr; } }
.process-step { border-top: 1px solid rgba(255,255,255,.35); padding-top: 18px; }
.process-step .step-no { font-family: var(--serif); font-size: 15px; letter-spacing: .08em; opacity: .8; }
.process-step h3 { font-size: 24px; margin: 8px 0 10px; }
.process-step p { font-size: 15px; opacity: .88; margin: 0; }

/* circumstances + accordion */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 54px; align-items: center; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; } }
.split figure figcaption { font-size: 12px; color: var(--text-2); margin-top: 10px; letter-spacing: .06em; }
.principle { display: flex; gap: 16px; margin-top: 22px; }
.principle .no { font-family: var(--serif); color: var(--brand); font-size: 15px; min-width: 26px; }
.principle h3 { font-family: var(--sans); font-size: 17px; font-weight: 500; margin-bottom: 4px; }
.principle p { color: var(--text-2); margin: 0; font-size: 15px; }

.accordion details { border: 1px solid var(--divider); background: var(--white); margin-bottom: 12px; }
.band-rose .accordion details { border-color: #DCD2DA; }
.accordion summary {
  display: flex; align-items: center; gap: 14px; cursor: pointer; list-style: none;
  padding: 18px 22px; font-size: 17px; font-weight: 500; min-height: var(--tap);
}
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary .sign { margin-left: auto; color: var(--brand); font-size: 18px; line-height: 1; display: inline-flex; }
.accordion summary .sign::before { content: "+"; }
.accordion details[open] summary .sign::before { content: "\2212"; }
.accordion .acc-body { padding: 0 22px 20px; color: var(--text); }
.accordion .acc-body p:last-child { margin-bottom: 0; }

/* FAQ */
.faq-layout { display: grid; grid-template-columns: 340px 1fr; gap: 54px; }
@media (max-width: 900px) { .faq-layout { grid-template-columns: 1fr; } }

/* dark contact band */
.contact-band .contact-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; margin-top: 40px; }
@media (max-width: 760px) { .contact-band .contact-grid { grid-template-columns: 1fr; } }
.contact-band .contact-grid > div { border-top: 1px solid rgba(255,255,255,.35); padding-top: 16px; }
.contact-band .c-label { font-size: 11px; letter-spacing: .12em; text-transform: uppercase; opacity: .75; }
.contact-band a, .contact-band p { color: #fff; }

/* ============================================================
   FOOTER (4.4)
   ============================================================ */
.site-footer { background: var(--pearl); border-top: 1px solid var(--divider); padding-block: 64px 30px; font-size: 15px; }
.footer-top { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr 1.2fr; gap: 34px; }
@media (max-width: 1180px) { .footer-top { grid-template-columns: 1fr 1fr 1fr; } }
@media (max-width: 760px) { .footer-top { grid-template-columns: 1fr 1fr; gap: 30px 24px; } }
@media (max-width: 560px) { .footer-top { grid-template-columns: 1fr; } }
.footer-brand img { width: 112px; margin-bottom: 14px; }
@media (max-width: 620px) { .footer-brand img { width: 100px; } }
.footer-col h2 { font-family: var(--sans); font-size: 12px; font-weight: 500; letter-spacing: .1em; text-transform: uppercase; color: var(--text-2); margin: 0 0 14px; }
.footer-col a { display: block; color: var(--text); padding: 4px 0; }
.footer-col a:hover { color: var(--brand); }
.footer-newsletter { margin-top: 18px; }
.footer-newsletter form { display: grid; gap: 8px; justify-items: start; }
.footer-newsletter input {
  width: 100%; min-height: var(--tap); padding: 9px 12px;
  font-family: var(--sans); font-size: 15px; color: var(--text);
  border: 1px solid var(--divider); border-radius: var(--radius); background: var(--white);
}
.footer-note { font-size: 12px; line-height: 1.7; color: var(--text-2); }
.footer-legal { border-top: 1px solid var(--divider); margin-top: 44px; padding-top: 22px; font-size: 12px; line-height: 1.7; color: var(--text-2); }
.footer-legal p { margin: 0 0 6px; }
.footer-bottom { display: flex; flex-wrap: wrap; gap: 12px 26px; justify-content: space-between; margin-top: 18px; font-size: 12px; color: var(--text-2); }

/* ============================================================
   SUBPAGE TEMPLATES (T-OVERVIEW / T-PRODUCT / T-RESOURCE / T-LEGAL)
   ============================================================ */
.page-top { padding-top: var(--nav-h); }
@media (max-width: 1180px) { .page-top { padding-top: 82px; } }
@media (max-width: 620px)  { .page-top { padding-top: 75px; } }
.breadcrumbs { font-size: 13px; color: var(--text-2); padding-block: 22px 0; }
.breadcrumbs a { color: var(--text-2); }
.breadcrumbs a:hover { color: var(--brand); }
.page-head { padding-block: 34px 46px; }
.page-head .intro { max-width: 720px; font-size: 19px; line-height: 1.7; color: var(--text-2); }
.page-body { max-width: 760px; }
.page-body h2 { margin-top: 1.6em; }
.page-body h3 { margin-top: 1.4em; }

.info-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-block: 26px 34px; }
@media (max-width: 700px) { .info-cards { grid-template-columns: 1fr; } }
.info-card { border: 1px solid var(--divider); padding: 24px; border-radius: var(--radius); }
.info-card h3 { font-family: var(--sans); font-size: 16px; font-weight: 500; margin-bottom: 6px; }
.info-card p { font-size: 15px; color: var(--text-2); margin: 0; }
.prepared-list { list-style: none; padding: 0; margin: 0 0 30px; }
.prepared-list li { padding: 10px 0 10px 26px; border-bottom: 1px solid var(--divider); position: relative; }
.prepared-list li::before { content: "\2014"; color: var(--brand); position: absolute; left: 0; }
.related-links { display: flex; flex-wrap: wrap; gap: 12px 22px; margin-block: 10px 20px; }
.pending-note { background: var(--pearl); color: var(--text); border-left: 3px solid var(--divider); font-size: 14px; padding: 14px 18px; margin-block: 20px 30px; }
.pending-note strong { font-weight: 600; }

/* resource library (T-RESOURCE) */
.filter-bar { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; background: var(--neutral); padding: 16px 18px; margin-block: 8px 30px; border-radius: var(--radius); }
.filter-bar .f-label { font-size: 13px; font-weight: 500; color: var(--text-2); margin-right: 6px; }
.chip { font-size: 14px; font-weight: 500; padding: 8px 16px; min-height: 38px; border: 1px solid var(--divider); background: var(--white); color: var(--text); border-radius: 999px; cursor: pointer; text-decoration: none; display: inline-flex; align-items: center; }
.chip:hover { border-color: var(--brand); color: var(--brand); text-decoration: none; }
.chip[aria-pressed="true"], .chip.active { background: var(--brand); border-color: var(--brand); color: #fff; }
.res-table { width: 100%; border-collapse: collapse; font-size: 15px; }
.res-table caption { text-align: left; font-size: 13px; color: var(--text-2); padding-bottom: 10px; }
.res-table th { text-align: left; font-size: 12px; font-weight: 500; letter-spacing: .06em; text-transform: uppercase; color: var(--text-2); border-bottom: 1px solid var(--divider); padding: 10px 12px 10px 0; }
.res-table td { border-bottom: 1px solid var(--divider); padding: 14px 12px 14px 0; vertical-align: top; }
.res-table .doc-title { font-weight: 500; }
.res-meta { font-size: 13px; color: var(--text-2); }
.status-badge { display: inline-block; font-size: 12px; font-weight: 500; padding: 2px 10px; border-radius: 999px; background: var(--neutral); color: var(--text-2); white-space: nowrap; }
.status-badge.unverified { background: var(--error-bg); color: var(--error); }
.empty-state { border: 1px dashed var(--divider); padding: 40px 28px; text-align: center; color: var(--text-2); }
@media (max-width: 700px) {
  .res-table thead { position: absolute; left: -9999px; }
  .res-table tr { display: block; border-bottom: 1px solid var(--divider); padding: 10px 0; }
  .res-table td { display: block; border: 0; padding: 3px 0; }
}

/* lender / discharge cards */
.org-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 18px; }
@media (max-width: 620px) { .org-grid { grid-template-columns: 1fr; } }
.org-card { border: 1px solid var(--divider); padding: 22px; display: flex; flex-direction: column; gap: 6px; }
.org-card h3 { font-family: var(--sans); font-size: 17px; font-weight: 500; margin: 0; }
.org-card .org-note { font-size: 13px; color: var(--text-2); margin: 0; flex: 1; }
.org-card .btn { margin-top: 12px; align-self: flex-start; }

/* careers */
.role-list { list-style: none; margin: 0; padding: 0; }
.role-list li { border-bottom: 1px solid var(--divider); }
.role-list a { display: flex; flex-wrap: wrap; gap: 6px 18px; align-items: baseline; padding: 20px 0; color: var(--text); }
.role-list a:hover { text-decoration: none; color: var(--brand); }
.role-list .role-title { font-family: var(--serif); font-size: 24px; }
.role-list .role-meta { font-size: 14px; color: var(--text-2); }

/* ============================================================
   FORMS (3.3, 8.x)
   ============================================================ */
.field { margin-bottom: 22px; }
.field label, .field .label { display: block; font-size: 14px; font-weight: 500; line-height: 1.5; margin-bottom: 8px; }
.field .hint { display: block; font-size: 14px; font-weight: 400; color: var(--text-2); margin: -4px 0 8px; }
.field input[type="text"], .field input[type="email"], .field input[type="tel"],
.field input[type="search"], .field input[type="date"], .field input[type="number"],
.field select, .field textarea {
  width: 100%; font-family: var(--sans); font-size: 16px; color: var(--text);
  background: var(--white); border: 1px solid var(--divider); border-radius: var(--radius);
  padding: 11px 14px; min-height: var(--tap);
}
.field textarea { min-height: 120px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--brand); }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: var(--error); }
.field-error { display: block; font-size: 14px; color: var(--error); margin-top: 6px; }
.field-error::before { content: "\26A0 "; }
.req::after { content: " *"; color: var(--error); }
.choice { display: flex; align-items: flex-start; gap: 10px; padding: 8px 0; font-size: 16px; }
.choice input { margin-top: 6px; width: 18px; height: 18px; accent-color: var(--brand); }
.radio-row { display: flex; flex-wrap: wrap; gap: 6px 26px; }
fieldset { border: 0; margin: 0 0 22px; padding: 0; }
legend { font-size: 14px; font-weight: 500; margin-bottom: 8px; padding: 0; }
.form-card { border: 1px solid var(--divider); padding: clamp(22px, 4vw, 40px); background: var(--white); max-width: 640px; }
.error-summary { background: var(--error-bg); border-left: 3px solid var(--error); padding: 14px 18px; margin-bottom: 22px; font-size: 15px; }
.error-summary:empty { display: none; }
.error-summary ul { margin: 6px 0 0; padding-left: 20px; }
.preview-banner { background: var(--neutral); border: 1px solid var(--divider); font-size: 14px; line-height: 1.65; color: var(--text); padding: 14px 18px; margin-bottom: 22px; }
.success-panel { background: var(--success-bg); border-left: 3px solid var(--success); padding: 20px 24px; }
.success-panel h1, .success-panel h2 { color: var(--text); }

/* ============================================================
   GET STARTED WIZARD DIALOG (8.1)
   ============================================================ */
/* ============================================================
   INLINE WIZARD (/get-started/) — same component, no modal
   ============================================================ */
.wiz-inline {
  display: flex; flex-direction: column;
  max-width: 860px; border: 1px solid var(--divider); background: var(--white);
}
.wiz-inline .wiz-head { border-radius: 0; }
.wiz-inline .wiz-head h2 { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.wiz-inline .wiz-body { max-height: none; }
.wiz-inline .wiz-foot { position: sticky; bottom: 0; background: var(--white); z-index: 2; }
@media (max-width: 620px) {
  .wiz-inline .wiz-preview-note { display: none; }
  .wiz-inline .wiz-foot { flex-wrap: wrap; }
}

dialog.enquiry-dialog { border: 0; padding: 0; max-width: 860px; width: calc(100vw - 32px); border-radius: var(--radius); box-shadow: var(--shadow-pop); color: var(--text); }
dialog.enquiry-dialog::backdrop { background: rgba(33, 25, 28, 0.6); }
dialog.enquiry-dialog[open] { display: flex; flex-direction: column; max-height: calc(100svh - 24px); }
.wiz-head { display: flex; align-items: center; gap: 16px; padding: 20px 26px; border-bottom: 1px solid var(--divider); flex: 0 0 auto; }
.wiz-head h2 { font-family: var(--sans); font-size: 17px; font-weight: 500; margin: 0; }
.wiz-step-label { font-size: 13px; color: var(--text-2); margin-left: auto; }
.wiz-close { font-size: 22px; line-height: 1; background: none; border: 0; cursor: pointer; color: var(--text-2); padding: 8px; min-height: 40px; min-width: 40px; }
.wiz-close:hover { color: var(--brand); }
.wiz-body { padding: 26px; overflow: auto; flex: 1 1 auto; }
.wiz-body h3 { font-size: 24px; margin-bottom: 4px; }
.wiz-body .step-intro { color: var(--text-2); font-size: 15px; }
.wiz-foot { display: flex; gap: 12px; align-items: center; padding: 18px 26px; border-top: 1px solid var(--divider); flex: 0 0 auto; }
.wiz-foot .spacer { flex: 1; }
.wiz-step[hidden] { display: none; }
.review-group { border: 1px solid var(--divider); padding: 16px 20px; margin-bottom: 14px; }
.review-group h4 { margin: 0 0 8px; display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.review-group dl { margin: 0; font-size: 15px; }
.review-group dt { color: var(--text-2); float: left; clear: left; width: 46%; padding: 3px 0; }
.review-group dd { margin: 0; padding: 3px 0 3px 48%; }
@media (max-width: 620px) {
  dialog.enquiry-dialog { width: 100vw; max-width: 100vw; max-height: 100svh; height: 100svh; margin: 0; }
}

/* ============================================================
   SYSTEM PAGES + MISC
   ============================================================ */
.system-wrap { max-width: 760px; margin-inline: auto; }
.search-form { display: flex; gap: 10px; margin-block: 8px 30px; }
.search-form input { flex: 1; min-width: 0; font-size: 16px; padding: 12px 14px; border: 1px solid var(--divider); border-radius: var(--radius); min-height: var(--tap); }
.search-hit { border-bottom: 1px solid var(--divider); padding: 20px 0; }
.search-hit .hit-cat { font-size: 12px; letter-spacing: .08em; text-transform: uppercase; color: var(--text-2); }
.search-hit h3 { margin: 4px 0 6px; font-size: 24px; }
.search-hit p { margin: 0; color: var(--text-2); font-size: 15px; }
mark { background: #F4E3E8; color: inherit; padding: 0 2px; }
.pagination { display: flex; gap: 10px; margin-top: 30px; }

.legal-layout { display: grid; grid-template-columns: 240px minmax(0, 700px); gap: 54px; }
@media (max-width: 900px) { .legal-layout { grid-template-columns: 1fr; } }
.toc { font-size: 14px; }
@media (min-width: 901px) { .toc { position: sticky; top: calc(var(--nav-h) + 20px); align-self: start; } }
.toc h2 { font-family: var(--sans); font-size: 12px; font-weight: 500; letter-spacing: .1em; text-transform: uppercase; color: var(--text-2); }
.toc ol { list-style: none; margin: 0; padding: 0; }
.toc li { padding: 4px 0; }
.legal-body { font-size: 16px; line-height: 1.8; }
.legal-body h2 { font-family: var(--sans); font-size: 19px; font-weight: 600; margin-top: 2em; }
.legal-body p, .legal-body li { font-size: 15px; line-height: 1.75; }

.split-side { display: grid; grid-template-columns: minmax(0, 1fr) 280px; gap: 48px; align-items: start; }
@media (max-width: 900px) { .split-side { grid-template-columns: minmax(0, 1fr); } }
.split-side > * { min-width: 0; overflow-wrap: anywhere; }
.aside-cta { border: 1px solid var(--divider); padding: 26px; background: var(--pearl); }
.aside-cta h3 { font-size: 22px; }
.aside-cta .btn { width: 100%; }

/* utility */
.u-stack > * + * { margin-top: 18px; }
.u-mt-0 { margin-top: 0; }
.u-center { text-align: center; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; margin: -1px; padding: 0; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.external::after { content: " \2197"; font-size: 0.85em; }

@media print {
  .site-header, .site-footer, .mobile-nav, .skip-link, .dialog-host, .no-print { display: none !important; }
  body { background: #fff; color: #000; }
  .page-top { padding-top: 0; }
}

/* Compact navigation retains the same header and menu origin. */
@media (min-width: 901px) and (max-width: 1180px) { .main-nav { gap: 14px; } .header-inner { gap: 18px; } }
.search-panel { width: min(440px, calc(100vw - 32px)); }
.search-panel input { min-width: 0; padding: 10px 12px; border: 1px solid var(--divider); }
.footer-newsletter { display: flex; flex-wrap: wrap; gap: 10px; }
.footer-newsletter .newsletter-consent { flex-basis: 100%; display: flex; align-items: flex-start; gap: 8px; font-size: 13px; line-height: 1.5; }
.footer-newsletter input[type=checkbox] { flex: 0 0 auto; width: 18px; height: 18px; margin: 2px 0 0; }
@media (max-width: 900px) { .mobile-nav { padding-top: 8px; } .m-panel a { min-height: var(--tap); } }

.legal-body a, .footer-col a { overflow-wrap: anywhere; }
.footer-col, .footer-brand { min-width: 0; }

/* A compact, illustrated entry to the enquiry journey. */
dialog.enquiry-dialog { max-width: 760px; border-radius: 8px; }
.wiz-head { padding: 15px 24px; }
.wiz-body { padding: 24px; }
.wiz-body h3 { font-size: 23px; line-height: 1.25; }
.wiz-body .step-intro { margin: 6px 0 20px; }
.wiz-contact-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px 18px; }
.wiz-contact-grid .field { margin: 0; }
#wiz-s0 > fieldset { margin: 18px 0 0; }
#wiz-s0 > fieldset:not(.wiz-purpose) .choice { display: inline-flex; margin: 8px 24px 0 0; }
.wiz-purpose-grid { display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 8px; margin-top: 9px; }
.wiz-purpose-card { display: block; cursor: pointer; position: relative; }
.wiz-purpose-card input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.wiz-purpose-content { min-height: 100px; height: 100%; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 8px; padding: 10px 6px; border: 1px solid #e3dce0; border-radius: 5px; color: #49363d; text-align: center; font-size: 12px; line-height: 1.3; transition: border-color .18s, background .18s; }
.wiz-purpose-content svg { width: 32px; height: 32px; color: var(--brand); }
.wiz-purpose-card:hover .wiz-purpose-content { border-color: var(--brand); background: #fbf7f8; }
.wiz-purpose-card input:checked + .wiz-purpose-content { border: 2px solid var(--brand); background: #f7eef1; color: var(--brand); }
.wiz-purpose-card input:focus-visible + .wiz-purpose-content { outline: 3px solid #b78492; outline-offset: 2px; }
.wiz-foot { padding: 14px 24px; }
@media (max-width: 620px) {
  dialog.enquiry-dialog { width: calc(100vw - 20px); max-width: none; height: auto; max-height: calc(100svh - 20px); margin: auto; }
  .wiz-body { padding: 20px; }
  .wiz-contact-grid { grid-template-columns: 1fr; gap: 10px; }
  .wiz-purpose-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .wiz-purpose-content { min-height: 76px; flex-direction: row; justify-content: flex-start; text-align: left; padding: 10px; }
  .wiz-purpose-content svg { flex: 0 0 28px; width: 28px; height: 28px; }
  .wiz-preview-note { display: none; }
}
.wiz-step-label[hidden] { display: none; }
.login-dialog { width: min(720px, calc(100vw - 32px)); max-height: calc(100svh - 24px); overflow: auto; border: 0; border-radius: 8px; padding: 30px; color: var(--text); box-shadow: var(--shadow-pop); }
.login-dialog::backdrop { background: rgba(33, 25, 28, .6); }
.login-dialog-head { display: flex; justify-content: space-between; gap: 16px; margin-bottom: 24px; }
.login-dialog-head h2 { font-size: 26px; margin: 4px 0; }
.login-dialog-head p { color: var(--text-2); margin: 0; }
.login-kicker { font-size: 11px; letter-spacing: .12em; color: var(--brand); }
.login-options { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.login-option { display: flex; flex-direction: column; align-items: flex-start; padding: 22px; border: 1px solid #e3dce0; border-radius: 5px; }
.login-icon { display: grid; place-items: center; color: var(--brand); background: #f7eef1; width: 48px; height: 48px; border-radius: 50%; }
.login-icon svg { width: 25px; height: 25px; }
.login-option h3 { font-size: 19px; margin: 16px 0 6px; }
.login-option p { color: var(--text-2); font-size: 14px; margin: 0 0 22px; flex: 1; }
@media (max-width: 620px) { .login-dialog { padding: 22px; } .login-options { grid-template-columns: 1fr; } .login-option { padding: 16px; } .login-option h3 { margin-top: 10px; } }
.login-option { align-items: center; text-align: center; }
.contact-teams .info-card { display: flex; flex-direction: column; gap: 10px; }
.contact-teams .info-card h3, .contact-teams .info-card p { margin: 0; }
.contact-teams .info-card p { flex: 1; }
.contact-teams .info-card a { overflow-wrap: anywhere; font-size: 14px; color: var(--brand); }
.contact-teams .info-card a { font-size: 16px; font-weight: 700; }
.main-nav .nav-top { font-size: 14px; }
.main-nav .nav-cta { font-size: 14px; }
.overview-head-action { margin-top: 24px; }
.footer-social { display: flex; flex-wrap: wrap; gap: 16px; }
.footer-social a { display: inline-flex; align-items: center; gap: 7px; }
.footer-social svg { width: 18px; height: 18px; flex: none; }
.main-nav a[href="/brokers/accreditation/"], .mobile-nav a[href="/brokers/accreditation/"] { color: var(--brand); font-weight: 700; }
.accreditation-dialog { width: min(640px, calc(100vw - 32px)); max-height: calc(100svh - 24px); overflow: auto; border: 0; border-radius: 8px; padding: 28px; color: var(--text); box-shadow: var(--shadow-pop); }
.accreditation-dialog::backdrop { background: rgba(33, 25, 28, .6); }
.accreditation-head { display: flex; justify-content: space-between; align-items: start; border-bottom: 1px solid var(--divider); margin-bottom: 20px; padding-bottom: 14px; }
.accreditation-head h2 { color: var(--brand); font-size: 24px; margin: 0; }
.accreditation-head .eyebrow { margin: 0 0 6px; }
.accreditation-dialog form h3 { margin-top: 0; }
@media (max-width: 620px) { .accreditation-dialog { padding: 20px; } }
.contact-hub { background: var(--pearl); padding: 62px 0 76px; }
.contact-hub-heading { text-align: center; margin-bottom: 50px; }
.contact-hub-heading h2 { color: var(--brand); font-size: 30px; margin: 0 0 12px; }
.contact-person { display: inline-grid; place-items: center; width: 76px; height: 76px; color: var(--brand); }
.contact-person svg { width: 76px; height: 76px; }
.contact-hub-grid { max-width: 1120px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.contact-team-list { display: grid; gap: 25px; }
.contact-team { display: flex; align-items: center; gap: 20px; }
.contact-team-icon { flex: 0 0 48px; width: 48px; height: 48px; display: grid; place-items: center; color: var(--brand); }
.contact-team-icon svg { width: 42px; height: 42px; }
.contact-team h3 { font-size: 17px; font-weight: 700; margin: 0 0 4px; }
.contact-team a { font-size: 16px; font-weight: 700; color: var(--brand); overflow-wrap: anywhere; }
.contact-hub-action { max-width: 420px; text-align: center; justify-self: center; }
.contact-hub-action h2 { font-size: 32px; color: var(--brand); margin: 8px 0 12px; }
.contact-hub-action p { color: var(--text-2); }
.contact-hub-action .btn { margin-top: 16px; min-width: 190px; }
.contact-hub-action .contact-call { margin-top: 20px; font-size: 14px; }
.contact-details { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.contact-details h2:not(:first-child) { margin-top: 1.5em; }
@media (max-width: 700px) { .contact-hub { padding: 42px 0 52px; } .contact-hub-heading { margin-bottom: 36px; } .contact-hub-grid, .contact-details { grid-template-columns: 1fr; gap: 42px; } .contact-hub-action { text-align: left; justify-self: start; } }
.accreditation-dialog { position: relative; }
.accreditation-progress { position: absolute; top: 40px; right: 88px; margin: 0; font-size: 13px; color: var(--text-2); }
.accreditation-dialog .accreditation-step-heading { display: flex; align-items: center; gap: 12px; margin: 20px 0 18px; font-size: 21px; }
.accreditation-step-icon { display: inline-grid; place-items: center; width: 42px; height: 42px; flex: none; border-radius: 50%; color: var(--brand); background: #f7eef1; }
.accreditation-step-icon svg { width: 23px; height: 23px; }
@media (max-width: 620px) { .accreditation-progress { top: 32px; right: 76px; } }
@media (max-width: 620px) { .accreditation-progress { top: 14px; } }
.language-field { margin: 0 0 22px; }
.language-field legend { font-size: 14px; font-weight: 500; }
.language-hint { font-size: 13px; color: var(--text-2); margin: 4px 0 10px; }
.language-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; }
.language-choice { position: relative; display: flex; align-items: center; gap: 9px; padding: 9px 11px; border: 1px solid var(--divider); border-radius: 4px; cursor: pointer; font-size: 14px; }
.language-choice:has(input:checked) { background: #f7eef1; border-color: var(--brand); }
.language-choice input { accent-color: var(--brand); width: 16px; height: 16px; flex: none; }
.language-other { display: block; font-size: 14px; font-weight: 500; margin: 14px 0 8px; }
.language-field input[type=text] { width: 100%; font: inherit; font-size: 16px; padding: 11px 14px; border: 1px solid var(--divider); border-radius: var(--radius); min-height: var(--tap); }
.accreditation-submit-note { margin: 18px 0; font-size: 12px; line-height: 1.6; color: var(--text-2); }
.accreditation-submit-note [data-declaration-notice] { font-weight: 500; margin-bottom: 4px; }
.enquiry-submit-note { font-size: 12px; line-height: 1.6; color: var(--text-2); margin-top: 20px; }
.turnstile-slot { margin: 18px 0; min-width: 0; }