/* ==========================================================================
   VaultEdge Financial - High-Conversion Institutional Lending Landing Page
   Design Specification: Obsidian Navy & Champagne Gold Theme
   Self-contained & fully isolated. Zero external CSS dependencies.
   ========================================================================== */

:root {
  /* Color Palette: Obsidian Black, Midnight Navy & Champagne Gold */
  --bg-primary: #0a0e17;
  --bg-secondary: #0f172a;
  --bg-tertiary: #1e293b;
  --bg-card: rgba(18, 26, 43, 0.78);
  --bg-card-hover: rgba(28, 39, 65, 0.9);
  --bg-glass: rgba(255, 255, 255, 0.04);

  /* Brand Accents */
  --gold-primary: #f5ba15;
  --gold-light: #fbe07a;
  --gold-gradient: linear-gradient(135deg, #fbe07a 0%, #f5ba15 50%, #c89209 100%);
  --gold-gradient-hover: linear-gradient(135deg, #fced9e 0%, #f7c73a 50%, #d89f10 100%);
  --gold-glow: rgba(245, 186, 21, 0.28);
  --cyan-accent: #38bdf8;
  --emerald-accent: #10b981;
  --emerald-glow: rgba(16, 185, 129, 0.2);

  /* Typography Colors */
  --text-main: #f8fafc;
  --text-muted: #94a3b8;
  --text-dim: #64748b;
  --text-gold: #fbe07a;

  /* Borders & Shadows */
  --border-subtle: rgba(255, 255, 255, 0.08);
  --border-gold: rgba(245, 186, 21, 0.35);
  --border-card: rgba(255, 255, 255, 0.12);
  --shadow-card: 0 20px 45px -15px rgba(0, 0, 0, 0.65);
  --shadow-gold: 0 10px 30px -5px rgba(245, 186, 21, 0.35);

  /* Sizing & Radii */
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-full: 9999px;
  --container-max: 1200px;
}

/* CSS Reset & Defaults */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  background-color: var(--bg-primary);
  color: var(--text-main);
  line-height: 1.6;
  overflow-x: hidden;
  position: relative;
  min-height: 100vh;
}

/* Atmospheric Ambient Glows */
body::before {
  content: "";
  position: fixed;
  top: -20%;
  left: 20%;
  width: 60vw;
  height: 60vw;
  background: radial-gradient(circle, rgba(245, 186, 21, 0.08) 0%, rgba(15, 23, 42, 0) 70%);
  filter: blur(100px);
  z-index: -2;
  pointer-events: none;
}

body::after {
  content: "";
  position: fixed;
  bottom: 0%;
  right: 10%;
  width: 50vw;
  height: 50vw;
  background: radial-gradient(circle, rgba(56, 189, 248, 0.06) 0%, rgba(10, 14, 23, 0) 70%);
  filter: blur(120px);
  z-index: -2;
  pointer-events: none;
}

.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 24px;
}

/* ==========================================================================
   Header & Navigation
   ========================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(10, 14, 23, 0.88);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border-subtle);
  transition: all 0.3s ease;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 74px;
}

.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
  color: var(--text-main);
}

.brand-logo-icon {
  width: 38px;
  height: 38px;
  background: var(--gold-gradient);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.25rem;
  color: #0a0e17;
  box-shadow: var(--shadow-gold);
}

.brand-name {
  font-size: 1.3rem;
  font-weight: 700;
  letter-spacing: -0.02em;
  color: #ffffff;
}

.brand-name strong {
  color: var(--gold-primary);
}

.brand-tag {
  font-size: 0.68rem;
  font-weight: 600;
  color: var(--gold-primary);
  background: rgba(245, 186, 21, 0.12);
  border: 1px solid rgba(245, 186, 21, 0.3);
  padding: 2px 8px;
  border-radius: var(--radius-full);
  margin-left: 8px;
  vertical-align: middle;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.site-nav {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-link {
  color: var(--text-muted);
  text-decoration: none;
  font-size: 0.95rem;
  font-weight: 500;
  transition: color 0.2s ease;
}

.nav-link:hover {
  color: var(--gold-light);
}

.header-action {
  display: flex;
  align-items: center;
  gap: 16px;
}

.btn-header-link {
  color: var(--text-muted);
  text-decoration: none;
  font-size: 0.9rem;
  font-weight: 600;
  transition: color 0.2s ease;
}

.btn-header-link:hover {
  color: #ffffff;
}

.btn-header-cta {
  background: var(--gold-gradient);
  color: #0a0e17;
  font-weight: 700;
  font-size: 0.9rem;
  padding: 10px 22px;
  border-radius: var(--radius-full);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  box-shadow: 0 4px 18px rgba(245, 186, 21, 0.28);
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  border: none;
  cursor: pointer;
}

.btn-header-cta:hover {
  background: var(--gold-gradient-hover);
  transform: translateY(-2px);
  box-shadow: 0 8px 26px rgba(245, 186, 21, 0.45);
}

/* ==========================================================================
   Live Marquee Ticker
   ========================================================================== */
.ticker-banner {
  background: linear-gradient(90deg, rgba(245, 186, 21, 0.08) 0%, rgba(56, 189, 248, 0.08) 100%);
  border-bottom: 1px solid var(--border-subtle);
  padding: 8px 0;
  font-size: 0.825rem;
  color: var(--text-muted);
}

.ticker-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
}

.ticker-badge {
  background: rgba(16, 185, 129, 0.15);
  color: var(--emerald-accent);
  padding: 2px 8px;
  border-radius: var(--radius-full);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  display: flex;
  align-items: center;
  gap: 6px;
  text-transform: uppercase;
}

.ticker-badge::before {
  content: "";
  width: 6px;
  height: 6px;
  background-color: var(--emerald-accent);
  border-radius: 50%;
  animation: pulse-dot 1.5s infinite;
}

@keyframes pulse-dot {

  0%,
  100% {
    opacity: 1;
    transform: scale(1.2);
  }

  50% {
    opacity: 0.4;
    transform: scale(0.8);
  }
}

/* ==========================================================================
   Hero Section
   ========================================================================== */
.hero-section {
  padding: 70px 0 90px;
  position: relative;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.95fr;
  gap: 50px;
  align-items: center;
}

.hero-content {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.hero-pill {
  align-self: flex-start;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 16px;
  background: rgba(245, 186, 21, 0.1);
  border: 1px solid #f5ba154d;
  border-radius: var(--radius-full);
  font-size: 0.70rem;
  color: var(--gold-light);
  font-weight: 600;
  letter-spacing: 0.02em;
  transform: scale(1.16);
  align-self: center;
}

.hero-subtext {
  color: #ffffff;
  font-size: 1.25rem;
  font-weight: normal;
}


.hero-container .hero-title {
  font-size: 3.3rem;
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.03em;
  color: #ffffff;
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  /* 每一组宣传语之间的上下间距 */
}

.hero-title .text-highlight {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline-block;
  transform: scale(0.9)
}

.hero-subtitle {
  font-size: 1rem;
  color: var(--text-muted);
  line-height: 1.6;
  max-width: 550px;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}

.btn-primary-action {
  background: var(--gold-gradient);
  color: #0a0e17;
  font-size: 1rem;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: var(--radius-full);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  box-shadow: var(--shadow-gold);
  transition: all 0.3s ease;
  border: none;
  cursor: pointer;
}

.btn-primary-action:hover {
  background: var(--gold-gradient-hover);
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(245, 186, 21, 0.45);
}

.btn-secondary-action {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid var(--border-subtle);
  color: var(--text-main);
  font-size: 1rem;
  font-weight: 600;
  padding: 14px 24px;
  border-radius: var(--radius-full);
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all 0.2s ease;
}

.btn-secondary-action:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.2);
  color: #ffffff;
}

/* Hero Quick Stats */
.hero-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  padding: 22px 0;
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
}

.stat-item {
  display: flex;
  flex-direction: column;
}

.stat-value {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--text-main);
  letter-spacing: -0.02em;
}

.stat-label {
  font-size: 0.8rem;
  color: var(--text-dim);
  margin-top: 4px;
}

/* Trust Row */
.hero-trust-row {
  display: flex;
  align-items: center;
  gap: 22px;
  flex-wrap: wrap;
  font-size: 0.85rem;
  color: var(--text-muted);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
}

.trust-item svg {
  width: 16px;
  height: 16px;
  fill: var(--emerald-accent);
}

/* ==========================================================================
   Hero Institutional Compliance & Security Credential Card
   ========================================================================== */
.compliance-credential-card {
  background: var(--bg-card);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border: 1px solid var(--border-card);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: var(--shadow-card);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.compliance-credential-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--gold-gradient);
}

.cred-card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border-subtle);
  flex-wrap: wrap;
  gap: 12px;
}

.cred-card-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: #fff;
  display: flex;
  align-items: center;
  gap: 10px;
}

.cred-status-badge {
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--emerald-accent);
  background: rgba(16, 185, 129, 0.12);
  border: 1px solid rgba(16, 185, 129, 0.3);
  padding: 4px 10px;
  border-radius: var(--radius-full);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.cred-status-badge::before {
  content: "";
  width: 6px;
  height: 6px;
  background-color: var(--emerald-accent);
  border-radius: 50%;
  box-shadow: 0 0 8px var(--emerald-accent);
}

.cred-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 26px;
}

.cred-item {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 12px 14px;
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.06);
  border-radius: var(--radius-md);
  transition: all 0.25s ease;
}

.cred-item:hover {
  background: rgba(255, 255, 255, 0.05);
  border-color: rgba(245, 186, 21, 0.25);
  transform: translateX(3px);
}

.cred-icon-wrap {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  background: rgba(245, 186, 21, 0.1);
  border: 1px solid rgba(245, 186, 21, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.cred-icon-wrap svg {
  width: 20px;
  height: 20px;
  fill: var(--gold-light);
}

.cred-content {
  flex-grow: 1;
}

.cred-title {
  font-size: 0.95rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 3px;
}

.cred-desc {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.5;
}

.cred-cta-btn {
  width: 100%;
  padding: 16px;
  background: var(--gold-gradient);
  border: none;
  border-radius: var(--radius-md);
  font-size: 1.05rem;
  font-weight: 700;
  color: #0a0e17;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  box-shadow: 0 8px 24px rgba(245, 186, 21, 0.35);
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
  text-decoration: none;
}

.cred-cta-btn:hover {
  background: var(--gold-gradient-hover);
  transform: translateY(-2px);
  box-shadow: 0 12px 32px rgba(245, 186, 21, 0.5);
  color: #0a0e17;
}

.cred-footer-note {
  text-align: center;
  font-size: 0.75rem;
  color: var(--text-dim);
  margin-top: 14px;
}

/* ==========================================================================
   Institutional Trust Bar & Partners
   ========================================================================== */
.compliance-section {
  padding: 38px 0;
  background: rgba(15, 23, 42, 0.55);
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
}

.compliance-header {
  text-align: center;
  font-size: 0.85rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 22px;
}

.partner-badges {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 36px;
}

.partner-badge {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text-dim);
  font-size: 0.9rem;
  font-weight: 600;
  transition: color 0.2s ease;
}

.partner-badge:hover {
  color: var(--text-main);
}

.partner-badge svg {
  width: 24px;
  height: 24px;
  fill: currentColor;
  opacity: 0.8;
}

/* ==========================================================================
   Core Loan Products Matrix (3 Key Pillars)
   ========================================================================== */
.products-section {
  padding: 100px 0;
}

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 60px;
}

.section-tag {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--gold-primary);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: 12px;
}

.section-title {
  font-size: 2.35rem;
  font-weight: 700;
  color: #fff;
  letter-spacing: -0.02em;
  margin-bottom: 16px;
}

.section-title span {
  color: var(--gold-primary);
}

.section-desc {
  font-size: 1.05rem;
  color: var(--text-muted);
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.product-card {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 36px 30px;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
  position: relative;
}

.product-card:hover {
  transform: translateY(-8px);
  border-color: rgba(245, 186, 21, 0.45);
  box-shadow: 0 20px 40px -10px rgba(0, 0, 0, 0.6), 0 0 24px rgba(245, 186, 21, 0.12);
}

.product-card-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 22px;
}

.product-icon-wrapper {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-sm);
  background: rgba(245, 186, 21, 0.1);
  border: 1px solid rgba(245, 186, 21, 0.25);
  display: flex;
  align-items: center;
  justify-content: center;
}

.product-icon-wrapper svg {
  width: 26px;
  height: 26px;
  fill: var(--gold-light);
}

.product-apr-tag {
  text-align: right;
}

.product-apr-tag small {
  display: block;
  font-size: 0.72rem;
  color: var(--text-dim);
  text-transform: uppercase;
}

.product-apr-tag strong {
  font-size: 1rem;
  color: var(--gold-light);
}

.product-title {
  font-size: 1.35rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 12px;
}

.product-text {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.6;
  margin-bottom: 24px;
  flex-grow: 1;
}

.product-specs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  padding: 16px 0;
  border-top: 1px solid var(--border-subtle);
  border-bottom: 1px solid var(--border-subtle);
  margin-bottom: 22px;
}

.spec-item span {
  display: block;
  font-size: 0.75rem;
  color: var(--text-dim);
}

.spec-item strong {
  font-size: 0.92rem;
  color: var(--text-main);
}

.product-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold-light);
  font-size: 0.92rem;
  font-weight: 600;
  text-decoration: none;
  transition: gap 0.2s ease;
}

.product-link:hover {
  gap: 12px;
}

/* ==========================================================================
   Streamlined 3-Stage Underwriting (How it Works)
   ========================================================================== */
.steps-section {
  padding: 90px 0 110px;
  background: linear-gradient(180deg, transparent 0%, rgba(15, 23, 42, 0.45) 100%);
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
  position: relative;
}

.step-card {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-lg);
  padding: 38px 30px;
  position: relative;
  transition: transform 0.3s ease;
}

.step-card:hover {
  transform: translateY(-6px);
  border-color: rgba(245, 186, 21, 0.35);
}

.step-number {
  position: absolute;
  top: 24px;
  right: 28px;
  font-size: 3.2rem;
  font-weight: 800;
  color: rgba(255, 255, 255, 0.05);
  line-height: 1;
}

.step-pill {
  display: inline-block;
  padding: 4px 12px;
  background: rgba(56, 189, 248, 0.12);
  border: 1px solid rgba(56, 189, 248, 0.25);
  color: var(--cyan-accent);
  font-size: 0.75rem;
  font-weight: 700;
  border-radius: var(--radius-full);
  margin-bottom: 18px;
  letter-spacing: 0.03em;
  text-transform: uppercase;
}

.step-title {
  font-size: 1.3rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 12px;
}

.step-desc {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ==========================================================================
   Social Proof & Borrower Testimonials
   ========================================================================== */
.testimonials-section {
  padding: 90px 0;
  border-top: 1px solid var(--border-subtle);
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 26px;
}

.testi-card {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  padding: 30px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.testi-stars {
  color: var(--gold-primary);
  font-size: 1.1rem;
  margin-bottom: 14px;
  letter-spacing: 2px;
}

.testi-quote {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin-bottom: 20px;
  font-style: italic;
}

.testi-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testi-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--bg-tertiary);
  border: 2px solid var(--gold-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--gold-light);
  font-size: 0.9rem;
}

.testi-meta strong {
  display: block;
  font-size: 0.95rem;
  color: #fff;
}

.testi-meta span {
  font-size: 0.78rem;
  color: var(--text-dim);
}

/* ==========================================================================
   Frequently Asked Questions (FAQ) Accordion
   ========================================================================== */
.faq-section {
  padding: 80px 0 110px;
}

.faq-container {
  max-width: 820px;
  margin: 0 auto;
}

.faq-item {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  margin-bottom: 16px;
  overflow: hidden;
  transition: border-color 0.2s ease;
}

.faq-item.active {
  border-color: rgba(245, 186, 21, 0.35);
}

.faq-question {
  padding: 22px 28px;
  font-size: 1.05rem;
  font-weight: 600;
  color: #fff;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  user-select: none;
}

.faq-question svg {
  width: 20px;
  height: 20px;
  fill: var(--text-muted);
  transition: transform 0.3s ease, fill 0.3s ease;
  flex-shrink: 0;
}

.faq-item.active .faq-question svg {
  transform: rotate(180deg);
  fill: var(--gold-light);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  padding: 0 28px;
  color: var(--text-muted);
  font-size: 0.925rem;
  line-height: 1.7;
}

.faq-item.active .faq-answer {
  max-height: 300px;
  padding: 0 28px 24px;
}

/* ==========================================================================
   Footer & Disclaimers
   ========================================================================== */
.site-footer {
  background: #060910;
  border-top: 1px solid var(--border-subtle);
  padding: 60px 0 40px;
  font-size: 0.85rem;
  color: var(--text-dim);
}

.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  margin-bottom: 30px;
  flex-wrap: wrap;
  gap: 30px;
}

.footer-brand {
  max-width: 380px;
}

.footer-desc {
  margin-top: 14px;
  font-size: 0.875rem;
  line-height: 1.6;
}

.footer-links {
  display: flex;
  gap: 60px;
}

.footer-column-title {
  color: #fff;
  font-size: 0.95rem;
  font-weight: 600;
  margin-bottom: 16px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.footer-column ul {
  list-style: none;
}

.footer-column li {
  margin-bottom: 10px;
}

.footer-column a {
  color: var(--text-muted);
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer-column a:hover {
  color: var(--gold-light);
}

.footer-compliance-box {
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(255, 255, 255, 0.05);
  border-radius: var(--radius-sm);
  padding: 22px;
  margin-bottom: 24px;
  font-size: 0.8rem;
  line-height: 1.7;
  color: var(--text-dim);
}

.footer-compliance-box strong {
  color: var(--text-muted);
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.78rem;
  color: var(--text-dim);
  flex-wrap: wrap;
  gap: 16px;
}

/* ==========================================================================
   Mobile Sticky Bottom CTA (Clean Brand Diversion)
   ========================================================================== */
.mobile-sticky-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: rgba(10, 14, 23, 0.95);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-top: 1px solid var(--border-gold);
  padding: 12px 20px calc(12px + env(safe-area-inset-bottom));
  z-index: 999;
  box-shadow: 0 -8px 24px rgba(0, 0, 0, 0.6);
}

.mobile-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 100%;
}

.btn-mobile-apply {
  background: var(--gold-gradient);
  color: #0a0e17;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 13px 24px;
  border-radius: var(--radius-full);
  border: none;
  cursor: pointer;
  text-decoration: none;
  box-shadow: 0 4px 16px rgba(245, 186, 21, 0.35);
  width: 100%;
  text-align: center;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: all 0.25s ease;
}

.btn-mobile-apply:hover {
  background: var(--gold-gradient-hover);
  transform: translateY(-1px);
}

/* ==========================================================================
   Responsive Breakpoints
   ========================================================================== */
@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .products-grid,
  .steps-grid,
  .testimonials-grid {
    grid-template-columns: 1fr;
  }

  .hero-stats {
    grid-template-columns: repeat(2, 1fr);
    gap: 20px;
  }
}

@media (max-width: 768px) {
  .site-nav {
    display: none;
  }

  .hero-title {
    font-size: 2.35rem;
  }

  .compliance-credential-card {
    padding: 26px 20px;
  }

  .footer-links {
    flex-direction: column;
    gap: 30px;
  }

  .mobile-sticky-bar {
    display: block;
  }

  body {
    padding-bottom: 76px;
  }
}

@media (max-width: 480px) {
  .brand-tag {
    display: none;
  }

  .btn-header-cta {
    padding: 8px 14px;
    font-size: 0.82rem;
  }

  .hero-title {
    font-size: 1.95rem;
  }

  .hero-actions {
    flex-direction: column;
    width: 100%;
  }

  .btn-primary-action,
  .btn-secondary-action {
    width: 100%;
    justify-content: center;
    text-align: center;
  }

  .hero-stats {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .compliance-credential-card {
    padding: 22px 16px;
  }

  .cred-card-title {
    font-size: 1.05rem;
  }
}