/* ROI Compliance — shared styles. Navy and gold, high-contrast, mobile-first. */
:root {
  --navy: #13294b;
  --navy-2: #1e3a66;
  --gold: #d4a12a;
  --gold-soft: #f6ecd2;
  --ink: #1b2430;
  --muted: #4a5566;
  --line: #dde2ea;
  --bg: #ffffff;
  --bg-alt: #f5f7fa;
  --radius: 10px;
  --max: 1120px;
  font-size: 17px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
}
img { max-width: 100%; height: auto; }
a { color: var(--navy-2); text-underline-offset: 2px; }
a:hover { color: var(--navy); }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -999px; top: 0; background: var(--gold); color: var(--navy); padding: 8px 12px; z-index: 10; }
.skip:focus { left: 8px; }

/* Header */
.site-header { background: var(--navy); color: #fff; }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 68px; flex-wrap: wrap; }
.brand { display: flex; align-items: center; gap: 10px; color: #fff; text-decoration: none; font-weight: 700; font-size: 1.15rem; letter-spacing: .2px; }
.brand svg { flex: none; }
.brand span small { display: block; font-weight: 400; font-size: .72rem; opacity: .8; letter-spacing: .3px; }
.nav { display: flex; gap: 4px 18px; flex-wrap: wrap; align-items: center; }
.nav a { color: #fff; text-decoration: none; font-size: .92rem; padding: 6px 0; }
.nav a:hover, .nav a[aria-current="page"] { color: var(--gold); }
.nav .btn { padding: 8px 14px; }

/* Buttons */
.btn { display: inline-block; background: var(--gold); color: var(--navy); font-weight: 700; text-decoration: none; padding: 12px 20px; border-radius: 8px; border: 2px solid var(--gold); }
.btn:hover { background: #e3b544; color: var(--navy); }
.btn.ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.7); }
.btn.ghost:hover { background: rgba(255,255,255,.1); color: #fff; }
.btn.outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn.outline:hover { background: var(--navy); color: #fff; }

/* Hero */
.hero { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%); color: #fff; padding: 64px 0 72px; }
.hero .eyebrow { color: var(--gold); font-weight: 700; text-transform: uppercase; letter-spacing: 1.2px; font-size: .8rem; margin: 0 0 12px; }
.hero h1 { font-size: clamp(1.9rem, 4.2vw, 2.9rem); line-height: 1.15; margin: 0 0 18px; max-width: 820px; }
.hero p.lead { font-size: 1.12rem; max-width: 720px; opacity: .95; margin: 0 0 28px; }
.hero .actions { display: flex; gap: 12px; flex-wrap: wrap; }
.hero .proof { margin-top: 28px; font-size: .9rem; opacity: .85; }

/* Sections */
section { padding: 64px 0; }
section.alt { background: var(--bg-alt); }
h2 { font-size: clamp(1.45rem, 3vw, 2rem); line-height: 1.2; color: var(--navy); margin: 0 0 14px; }
h3 { font-size: 1.15rem; color: var(--navy); margin: 0 0 8px; }
.section-intro { color: var(--muted); max-width: 760px; margin: 0 0 32px; font-size: 1.05rem; }

/* Cards */
.grid { display: grid; gap: 20px; }
.grid.three { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.grid.two { grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; display: flex; flex-direction: column; }
.card .tag { display: inline-block; align-self: flex-start; background: var(--gold-soft); color: #6b4e0b; font-size: .78rem; font-weight: 700; padding: 3px 10px; border-radius: 99px; margin-bottom: 12px; text-transform: uppercase; letter-spacing: .6px; }
.card .tag.ref { text-transform: none; letter-spacing: .2px; }
.card.featured { border: 2px solid var(--gold); box-shadow: 0 6px 20px rgba(19,41,75,.08); }
.card p { color: var(--muted); margin: 0 0 14px; }
.card ul { margin: 0 0 18px; padding-left: 20px; color: var(--ink); }
.card ul li { margin-bottom: 6px; }
.card .more { margin-top: auto; font-weight: 700; }

/* Steps */
.steps { counter-reset: step; list-style: none; padding: 0; margin: 0; display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }
.steps li { counter-increment: step; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 22px 20px 64px; position: relative; }
.steps li::before { content: counter(step); position: absolute; left: 18px; top: 20px; width: 32px; height: 32px; border-radius: 50%; background: var(--navy); color: var(--gold); font-weight: 700; display: grid; place-items: center; }
.steps li strong { display: block; color: var(--navy); margin-bottom: 4px; }
.steps li span { color: var(--muted); font-size: .95rem; }

/* Lists */
.checks { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px 28px; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.checks li { padding-left: 30px; position: relative; }
.checks li::before { content: ""; position: absolute; left: 0; top: .35em; width: 18px; height: 18px; border-radius: 4px; background: var(--gold-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%2313294b' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat; }

/* Split / about */
.split { display: grid; gap: 32px; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); align-items: start; }
.callout { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 28px; }
.callout h3 { color: var(--gold); }
.callout p { margin: 0 0 12px; opacity: .95; }

/* FAQ */
.faq details { border-bottom: 1px solid var(--line); padding: 16px 0; }
.faq summary { cursor: pointer; font-weight: 700; color: var(--navy); font-size: 1.05rem; list-style: none; position: relative; padding-right: 30px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 4px; top: -2px; font-size: 1.4rem; color: var(--gold); }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin: 10px 0 0; color: var(--muted); max-width: 820px; }

/* CTA band */
.cta-band { background: var(--gold-soft); border-top: 4px solid var(--gold); }
.cta-band .wrap { display: flex; flex-wrap: wrap; gap: 20px; align-items: center; justify-content: space-between; }
.cta-band h2 { margin: 0 0 6px; }
.cta-band p { margin: 0; color: var(--muted); max-width: 640px; }

/* Footer */
.site-footer { background: var(--navy); color: #c9d2e0; font-size: .9rem; padding: 44px 0 28px; }
.site-footer a { color: #fff; }
.site-footer .cols { display: grid; gap: 24px; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); margin-bottom: 28px; }
.site-footer h4 { color: var(--gold); margin: 0 0 10px; font-size: .95rem; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 6px; }
.site-footer .legal { border-top: 1px solid rgba(255,255,255,.15); padding-top: 18px; font-size: .82rem; line-height: 1.55; }

@media (max-width: 720px) {
  .site-header .wrap { padding-top: 10px; padding-bottom: 10px; }
  .nav { width: 100%; gap: 4px 14px; }
  section { padding: 48px 0; }
  .hero { padding: 48px 0 56px; }
}

/* Forms */
.form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; display: grid; gap: 16px; }
.form label { display: grid; gap: 6px; font-weight: 600; color: var(--navy); font-size: .95rem; }
.form label span.opt { font-weight: 400; color: var(--muted); }
.form input, .form select, .form textarea { font: inherit; padding: 11px 12px; border: 1px solid #b9c2cf; border-radius: 8px; background: #fff; color: var(--ink); width: 100%; }
.form textarea { min-height: 120px; resize: vertical; }
.form input:focus, .form select:focus, .form textarea:focus { outline: 3px solid var(--gold); outline-offset: 1px; border-color: var(--navy); }
.form .row { display: grid; gap: 16px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.form .hp { position: absolute; left: -5000px; width: 1px; height: 1px; overflow: hidden; }
.form button { font: inherit; font-weight: 700; cursor: pointer; justify-self: start; }
.form label span.opt { margin-top: -6px; font-size: .85rem; }
.form .note { font-size: .85rem; color: var(--muted); margin: 0; }
.form-status { margin: 0; font-weight: 600; }
.form-status.error { color: #a61b1b; }