/* ============================================================
   SOMOS PILLARS ENTERPRISE INC. — GLOBAL STYLESHEET
   Theme: Bright Luxury (Crisp White · Rich Charcoal · Radiant Gold)
   ============================================================ */

/* ---------- CSS Variables ---------- */
:root {
  --charcoal-900: #0F1012;
  --charcoal-800: #17191D;
  --charcoal-700: #212429;
  --charcoal-600: #2C2F35;
  --white:         #FFFFFF;
  --surface-light: #F8F9FA;
  --surface-mid:   #F1F3F5;
  --surface-cards: #FFFFFF;
  --gold-500: #D4AF37;
  --gold-400: #E5C158;
  --gold-300: #F0D483;
  --gold-bg:  rgba(212, 175, 55, 0.08);
  --gold-border: rgba(212, 175, 55, 0.28);
  --text-main:      #2D3139;
  --text-secondary: #4B5563;
  --text-muted:     #6B7280;
  --text-light:     #F3F4F6;
  --text-xlight:    #9CA3AF;
  --border-light:   #E5E7EB;
  --border-mid:     #D1D5DB;
  --stripe-blue:    #635BFF;
  --stripe-bg:      rgba(99, 91, 255, 0.08);
  --stripe-border:  rgba(99, 91, 255, 0.22);
  --success:        #10B981;
  --success-bg:     rgba(16, 185, 129, 0.08);
  --shadow-xs: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-sm: 0 1px 6px rgba(0,0,0,0.06), 0 1px 3px rgba(0,0,0,0.04);
  --shadow-md: 0 4px 16px rgba(0,0,0,0.07), 0 2px 6px rgba(0,0,0,0.04);
  --shadow-lg: 0 16px 40px rgba(0,0,0,0.09), 0 4px 12px rgba(0,0,0,0.05);
  --shadow-gold: 0 0 0 3px rgba(212, 175, 55, 0.22);
  --radius-xs: 4px;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --max-w: 1200px;
  --transition: all 0.28s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;
  background-color: var(--white);
  color: var(--text-main);
  line-height: 1.68;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--gold-500); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--gold-400); }
ul { list-style: none; }

/* ---------- Typography ---------- */
h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  color: var(--charcoal-900);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.015em;
}
h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.7rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.45rem); }
h4 { font-size: 1.05rem; font-family: 'Inter', sans-serif; font-weight: 700; }

p { color: var(--text-secondary); font-size: 1rem; }

.text-gold    { color: var(--gold-500) !important; }
.text-muted   { color: var(--text-muted); font-size: 0.875rem; }
.text-white   { color: var(--white) !important; }
.text-center  { text-align: center; }

/* ---------- Section Backgrounds ---------- */
.bg-light { background-color: var(--surface-light); }
.bg-dark  { background-color: var(--charcoal-900); color: var(--white); }
.bg-dark h1, .bg-dark h2, .bg-dark h3, .bg-dark h4 { color: var(--white); }
.bg-dark p { color: var(--text-light); }

/* ---------- Layout ---------- */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 28px;
}
section { padding: 100px 0; }
.section-sm { padding: 64px 0; }

.section-label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-500);
  margin-bottom: 14px;
}
.section-title  { margin-bottom: 18px; }
.section-subtitle {
  font-size: 1.1rem;
  color: var(--text-secondary);
  max-width: 600px;
  margin-bottom: 56px;
}
.text-center .section-subtitle { margin-left: auto; margin-right: auto; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: var(--radius-sm);
  font-size: 0.93rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: var(--transition);
  white-space: nowrap;
  text-decoration: none;
  font-family: 'Inter', sans-serif;
  letter-spacing: 0.01em;
}

.btn-primary {
  background: var(--gold-500);
  color: var(--charcoal-900);
}
.btn-primary:hover {
  background: var(--gold-400);
  color: var(--charcoal-900);
  transform: translateY(-1px);
  box-shadow: 0 8px 20px rgba(212, 175, 55, 0.32);
}

.btn-outline {
  background: transparent;
  color: var(--gold-500);
  border: 1.5px solid var(--gold-500);
}
.btn-outline:hover {
  background: var(--gold-bg);
  color: var(--gold-400);
  border-color: var(--gold-400);
  transform: translateY(-1px);
}

.btn-ghost {
  background: transparent;
  color: var(--text-secondary);
  border: 1.5px solid var(--border-mid);
}
.btn-ghost:hover {
  background: var(--surface-mid);
  color: var(--text-main);
  border-color: var(--border-mid);
}

.btn-dark {
  background: var(--charcoal-900);
  color: var(--white);
}
.btn-dark:hover {
  background: var(--charcoal-700);
  color: var(--white);
  transform: translateY(-1px);
}

.btn-stripe {
  background: var(--stripe-blue);
  color: var(--white);
}
.btn-stripe:hover {
  background: #5851EA;
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(99, 91, 255, 0.38);
}

.btn-lg  { padding: 16px 34px; font-size: 1rem; }
.btn-sm  { padding: 9px 18px; font-size: 0.855rem; }
.w-full  { width: 100%; justify-content: center; }

/* ---------- Navigation ---------- */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border-light);
  transition: box-shadow 0.3s ease;
}

.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}

.navbar-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}

/* Navbar logo — prominently sized */
.logo-img {
  height: 62px;
  width: auto;
  display: block;
  object-fit: contain;
}

/* Footer logo — inverted white version */
.footer-brand .logo-img {
  height: 52px;
  width: auto;
  display: block;
  object-fit: contain;
  filter: brightness(0) invert(1);
  opacity: 0.92;
}

.navbar-links { display: flex; align-items: center; gap: 4px; }

.nav-link {
  padding: 8px 15px;
  color: var(--text-secondary);
  font-size: 0.88rem;
  font-weight: 500;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  font-family: 'Inter', sans-serif;
}
.nav-link:hover  { color: var(--charcoal-900); background: var(--surface-light); }
.nav-link.active { color: var(--charcoal-900); font-weight: 600; }

.navbar-cta { margin-left: 12px; }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  cursor: pointer; padding: 8px; background: none; border: none;
}
.hamburger span {
  display: block; width: 23px; height: 2px;
  background: var(--text-secondary); border-radius: 2px; transition: var(--transition);
}

.mobile-menu {
  display: none; background: var(--white);
  border-bottom: 1px solid var(--border-light);
  padding: 12px 20px 20px;
  flex-direction: column; gap: 2px;
  box-shadow: var(--shadow-md);
}
.mobile-menu .nav-link { display: block; padding: 11px 14px; font-size: 0.95rem; color: var(--text-main); }
.mobile-menu .btn { width: 100%; justify-content: center; margin-top: 12px; }

/* ---------- Image Frame ---------- */
.img-frame {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.img-frame img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform 0.4s ease;
  display: block;
}
.img-frame:hover img { transform: scale(1.03); }

/* ---------- Hero (Homepage) ---------- */
.hero {
  padding-top: 168px;
  padding-bottom: 110px;
  background: var(--surface-light);
  border-bottom: 1px solid var(--border-light);
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: var(--gold-bg);
  border: 1px solid var(--gold-border);
  border-radius: 100px;
  padding: 6px 16px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--charcoal-900);
  letter-spacing: 0.03em;
  margin-bottom: 22px;
}
.hero-badge-dot {
  width: 7px; height: 7px;
  background: var(--gold-500); border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.55; transform: scale(0.8); }
}

.hero h1 { margin-bottom: 22px; }

.hero-desc {
  font-size: 1.1rem;
  color: var(--text-secondary);
  margin-bottom: 38px;
  max-width: 520px;
  line-height: 1.75;
}

.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ---------- Trust Bar ---------- */
.trust-bar {
  background: var(--white);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
  padding: 18px 0;
}
.trust-bar-inner {
  display: flex; align-items: center; justify-content: center;
  gap: 40px; flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 9px;
  font-size: 0.83rem; color: var(--text-muted); font-weight: 500;
}
.trust-icon { color: var(--gold-500); font-size: 1rem; }

/* ---------- Cards ---------- */
.card {
  background: var(--surface-cards);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 36px;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
}
.card:hover {
  border-color: var(--gold-border);
  transform: translateY(-3px);
  box-shadow: var(--shadow-lg);
}

.card-featured {
  border-color: var(--gold-500);
  box-shadow: 0 0 0 1px var(--gold-500), var(--shadow-md);
  position: relative;
}
.card-featured::before {
  content: 'Most Popular';
  position: absolute; top: -13px; left: 50%; transform: translateX(-50%);
  background: var(--gold-500); color: var(--charcoal-900);
  font-size: 0.7rem; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
  padding: 4px 16px; border-radius: 100px; white-space: nowrap;
}

/* Compliance-card variant (same as .card, named for the user's theme) */
.compliance-card {
  background: var(--surface-cards);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 40px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.compliance-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--gold-500);
}

.service-card-icon {
  width: 52px; height: 52px;
  background: var(--gold-bg);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.45rem; margin-bottom: 20px;
}

.card h3 { color: var(--charcoal-900); margin-bottom: 11px; }
.card p  { font-size: 0.935rem; margin-bottom: 20px; color: var(--text-secondary); }

.price-block { margin: 22px 0; }
.price-amount {
  font-size: 2.2rem; font-weight: 800;
  color: var(--charcoal-900);
  font-family: 'Inter', sans-serif; line-height: 1;
}
.price-period { font-size: 0.875rem; color: var(--text-muted); margin-top: 5px; }

.feature-list { margin: 18px 0 26px; display: flex; flex-direction: column; gap: 9px; }
.feature-item { display: flex; align-items: flex-start; gap: 10px; font-size: 0.9rem; color: var(--text-secondary); }
.feature-check { color: var(--gold-500); font-size: 0.85rem; margin-top: 2px; flex-shrink: 0; font-weight: 700; }

/* ---------- Services Grid ---------- */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 26px;
}

/* ---------- Stats Row ---------- */
.stats-row {
  display: grid; grid-template-columns: repeat(4, 1fr);
  background: var(--border-light);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  overflow: hidden; gap: 1px;
}
.stat-item {
  background: var(--white); padding: 40px 24px; text-align: center;
}
.stat-number {
  font-size: 2.4rem; font-weight: 800; color: var(--gold-500);
  font-family: 'Inter', sans-serif; line-height: 1; margin-bottom: 8px;
}
.stat-label { font-size: 0.83rem; color: var(--text-muted); font-weight: 500; }

/* ---------- CTA Section ---------- */
.cta-section {
  background: var(--charcoal-900);
  position: relative; overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute; top: -60%; right: -10%;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(212, 175, 55, 0.1) 0%, transparent 70%);
  pointer-events: none;
}
.cta-inner {
  position: relative; z-index: 1;
  display: flex; align-items: center; justify-content: space-between;
  gap: 40px; flex-wrap: wrap;
}
.cta-text h2 { color: var(--white); margin-bottom: 10px; }
.cta-text p  { color: var(--text-light); }
.cta-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ---------- Payment / Secure Badges ---------- */
.payment-methods { display: flex; align-items: center; gap: 9px; flex-wrap: wrap; }

.payment-badge {
  display: flex; align-items: center; gap: 6px;
  background: var(--surface-light);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xs);
  padding: 7px 14px;
  font-size: 0.79rem; font-weight: 600; color: var(--text-secondary);
}

.payment-card-icon {
  background: var(--surface-light);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xs);
  padding: 4px 9px;
  font-size: 0.7rem; font-weight: 700; color: var(--text-secondary);
  letter-spacing: 0.03em;
}

.secure-badge {
  display: inline-flex; align-items: center; gap: 7px;
  background: var(--stripe-bg);
  border: 1px solid var(--stripe-border);
  border-radius: var(--radius-xs);
  padding: 7px 14px;
  font-size: 0.79rem; color: var(--stripe-blue); font-weight: 600;
}

/* ---------- Notice ---------- */
.notice {
  background: var(--gold-bg);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-sm);
  padding: 15px 20px;
  font-size: 0.875rem; color: var(--text-secondary);
  display: flex; gap: 12px; align-items: flex-start;
}
.notice-icon { color: var(--gold-500); flex-shrink: 0; font-size: 1rem; }
.notice a { color: var(--gold-500); font-weight: 600; }
.notice strong { color: var(--charcoal-900); }

/* ---------- Page Hero (inner pages) ---------- */
.page-hero {
  padding-top: 148px;
  padding-bottom: 68px;
  background: var(--surface-light);
  border-bottom: 1px solid var(--border-light);
}

.breadcrumb {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.8rem; color: var(--text-muted); margin-bottom: 18px;
}
.breadcrumb a { color: var(--gold-500); font-weight: 500; }
.breadcrumb a:hover { color: var(--gold-400); }
.breadcrumb-sep { color: var(--border-mid); }

.page-hero h1 { color: var(--charcoal-900); }
.page-hero p  { color: var(--text-secondary); }

/* ---------- Service Full Cards (services page) ---------- */
.service-full-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  overflow: hidden;
  margin-bottom: 40px;
  scroll-margin-top: 96px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.service-full-card:hover { box-shadow: var(--shadow-md); }

.service-full-card-header {
  background: var(--surface-light);
  border-bottom: 1px solid var(--border-light);
  padding: 40px;
  display: flex; align-items: flex-start; justify-content: space-between;
  gap: 32px; flex-wrap: wrap;
}
.service-full-card-header h2 { color: var(--charcoal-900); }

.service-full-card-body {
  padding: 40px;
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 48px; align-items: start;
}

.service-tag {
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--gold-bg); border: 1px solid var(--gold-border);
  border-radius: 100px; padding: 4px 12px;
  font-size: 0.74rem; font-weight: 600; color: var(--charcoal-900); letter-spacing: 0.06em;
}
.service-tag-pill {
  background: var(--surface-light); border: 1px solid var(--border-light);
  border-radius: var(--radius-xs); padding: 7px 13px;
  font-size: 0.8rem; color: var(--text-muted); font-weight: 500;
}

/* ---------- Checkout Box ---------- */
.checkout-box {
  background: var(--surface-light);
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 28px;
}
.checkout-box-header {
  display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px;
}
.checkout-box-title {
  font-size: 0.8rem; font-weight: 700; color: var(--text-muted);
  letter-spacing: 0.1em; text-transform: uppercase;
}
.stripe-lock {
  display: flex; align-items: center; gap: 5px;
  font-size: 0.74rem; color: var(--stripe-blue); font-weight: 600;
}
.checkout-summary {
  background: var(--white); border: 1px solid var(--border-light);
  border-radius: var(--radius-sm); padding: 15px 16px;
  margin-bottom: 14px;
  display: flex; justify-content: space-between; align-items: center;
  box-shadow: var(--shadow-xs);
}
.checkout-label { font-size: 0.875rem; color: var(--text-secondary); }
.checkout-price { font-size: 1.2rem; font-weight: 800; color: var(--charcoal-900); }
.checkout-methods {
  display: flex; align-items: center; gap: 7px; margin-top: 11px; flex-wrap: wrap;
}

/* ---------- FAQ ---------- */
.faq-item { border-bottom: 1px solid var(--border-light); padding: 19px 0; }
.faq-item:first-child { padding-top: 0; }
.faq-question {
  font-size: 0.95rem; font-weight: 600; color: var(--charcoal-900);
  cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px;
  font-family: 'Inter', sans-serif; background: none; border: none; width: 100%; text-align: left; padding: 0;
}
.faq-toggle { color: var(--gold-500); font-size: 1.2rem; flex-shrink: 0; transition: transform 0.25s; }
.faq-answer { font-size: 0.9rem; color: var(--text-secondary); margin-top: 11px; line-height: 1.78; display: none; }
.faq-item.open .faq-answer  { display: block; }
.faq-item.open .faq-toggle  { transform: rotate(45deg); }

/* ---------- Contact Form ---------- */
.contact-grid {
  display: grid; grid-template-columns: 1fr 1.45fr;
  gap: 60px; align-items: start;
}
.contact-info-card {
  background: var(--surface-light);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 34px;
}
.contact-info-card h2 { color: var(--charcoal-900); }

.contact-info-item {
  display: flex; gap: 15px; padding: 18px 0;
  border-bottom: 1px solid var(--border-light);
}
.contact-info-item:last-child { border-bottom: none; }

.contact-info-icon {
  width: 40px; height: 40px;
  background: var(--gold-bg); border: 1px solid var(--gold-border);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.05rem; flex-shrink: 0;
}
.contact-info-label {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.1em;
  text-transform: uppercase; color: var(--text-muted); margin-bottom: 4px;
}
.contact-info-value { font-size: 0.93rem; color: var(--text-main); }

.form-group { margin-bottom: 18px; }
.form-label  { display: block; font-size: 0.855rem; font-weight: 600; color: var(--text-main); margin-bottom: 7px; }

.form-control {
  width: 100%;
  background: var(--white);
  border: 1.5px solid var(--border-mid);
  border-radius: var(--radius-sm);
  padding: 12px 15px;
  color: var(--text-main);
  font-size: 0.93rem; font-family: 'Inter', sans-serif;
  outline: none; transition: var(--transition);
}
.form-control::placeholder { color: var(--text-xlight); }
.form-control:focus {
  border-color: var(--gold-500);
  box-shadow: var(--shadow-gold);
}
textarea.form-control { resize: vertical; min-height: 140px; }
select.form-control { cursor: pointer; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 15px; }

.form-success {
  display: none;
  background: var(--success-bg); border: 1px solid rgba(16,185,129,0.28);
  border-radius: var(--radius-md); padding: 32px; text-align: center;
}
.form-success.visible { display: block; }

/* ---------- Refund Summary (contact page) ---------- */
.refund-summary {
  background: var(--white); border: 1px solid var(--border-light);
  border-radius: var(--radius-md); padding: 32px;
  box-shadow: var(--shadow-sm);
}
.refund-row {
  display: flex; align-items: flex-start; gap: 15px;
  padding: 16px 0; border-bottom: 1px solid var(--border-light);
}
.refund-row:last-child { border-bottom: none; }
.refund-icon {
  width: 36px; height: 36px;
  background: var(--gold-bg); border: 1px solid var(--gold-border);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.95rem; flex-shrink: 0;
}
.refund-title { font-size: 0.875rem; font-weight: 600; color: var(--charcoal-900); margin-bottom: 3px; }
.refund-desc  { font-size: 0.81rem; color: var(--text-muted); line-height: 1.65; }

/* ---------- Policy Page ---------- */
.policy-layout {
  display: grid; grid-template-columns: 230px 1fr;
  gap: 60px; align-items: start;
}
.policy-nav {
  position: sticky; top: 92px;
  background: var(--surface-light); border: 1px solid var(--border-light);
  border-radius: var(--radius-md); padding: 22px;
}
.policy-nav h4 {
  font-size: 0.72rem; letter-spacing: 0.13em; text-transform: uppercase;
  color: var(--text-muted); margin-bottom: 14px; font-family: 'Inter', sans-serif; font-weight: 700;
}
.policy-nav-link {
  display: block; padding: 8px 11px;
  font-size: 0.855rem; color: var(--text-secondary);
  border-radius: var(--radius-sm); transition: var(--transition);
  font-family: 'Inter', sans-serif; margin-bottom: 2px;
}
.policy-nav-link:hover { color: var(--gold-500); background: var(--gold-bg); }

.policy-section {
  scroll-margin-top: 96px; padding-bottom: 48px; margin-bottom: 48px;
  border-bottom: 1px solid var(--border-light);
}
.policy-section:last-child { border-bottom: none; }

.policy-section h2 {
  font-size: 1.6rem; margin-bottom: 20px;
  padding-bottom: 16px; border-bottom: 2px solid var(--gold-border);
  color: var(--charcoal-900);
}
.policy-section h3 { font-size: 1.05rem; margin: 24px 0 9px; color: var(--gold-500); font-family: 'Inter', sans-serif; font-weight: 700; }
.policy-section p  { margin-bottom: 15px; font-size: 0.93rem; line-height: 1.82; color: var(--text-secondary); }

.policy-section ul  { margin: 8px 0 16px 4px; display: flex; flex-direction: column; gap: 7px; }
.policy-section ul li {
  font-size: 0.93rem; color: var(--text-secondary);
  padding-left: 20px; position: relative; line-height: 1.76;
}
.policy-section ul li::before { content: '–'; position: absolute; left: 0; color: var(--gold-500); }

.policy-highlight {
  background: var(--gold-bg); border: 1px solid var(--gold-border);
  border-left: 3px solid var(--gold-500);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 15px 20px; margin: 20px 0;
  font-size: 0.93rem; color: var(--text-secondary); line-height: 1.75;
}
.policy-highlight strong { color: var(--charcoal-900); }

/* ---------- Footer ---------- */
footer {
  background: var(--charcoal-900);
  border-top: 1px solid rgba(255,255,255,0.06);
  margin-top: auto; flex-shrink: 0;
}
.footer-main { padding: 72px 0 48px; }
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
}
.footer-brand .logo-img { filter: brightness(0) invert(1); opacity: 0.9; }
.footer-brand p { font-size: 0.875rem; color: var(--text-xlight); margin-top: 15px; max-width: 290px; line-height: 1.72; }

.footer-col h4 {
  font-size: 0.72rem; font-weight: 700; letter-spacing: 0.13em;
  text-transform: uppercase; color: rgba(255,255,255,0.5);
  margin-bottom: 18px; font-family: 'Inter', sans-serif;
}
.footer-links { display: flex; flex-direction: column; gap: 9px; }
.footer-link { font-size: 0.855rem; color: var(--text-xlight); transition: var(--transition); }
.footer-link:hover { color: var(--gold-400); }

.footer-contact-item {
  display: flex; align-items: flex-start; gap: 9px;
  font-size: 0.855rem; color: var(--text-xlight); margin-bottom: 11px; line-height: 1.55;
}
.footer-contact-icon { color: var(--gold-500); margin-top: 1px; flex-shrink: 0; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 22px 0;
}
.footer-bottom-inner {
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 14px;
}
.footer-legal { font-size: 0.78rem; color: var(--text-xlight); }
.footer-legal a { color: var(--text-xlight); }
.footer-legal a:hover { color: var(--gold-400); }
.footer-payment-row { display: flex; align-items: center; gap: 7px; flex-wrap: wrap; }
.footer-payment-row .payment-card-icon {
  background: rgba(255,255,255,0.07);
  border-color: rgba(255,255,255,0.12);
  color: rgba(255,255,255,0.55);
}

/* ---------- Utility ---------- */
.mt-8  { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-40 { margin-top: 40px; }
.mb-0  { margin-bottom: 0 !important; }
.divider { height: 1px; background: var(--border-light); }
.flex         { display: flex; }
.items-center { align-items: center; }
.gap-12 { gap: 12px; }
.gap-16 { gap: 16px; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .hero-inner           { grid-template-columns: 1fr; gap: 48px; }
  .hero .img-frame      { max-height: 380px; }
  .stats-row            { grid-template-columns: repeat(2, 1fr); }
  .footer-grid          { grid-template-columns: 1fr 1fr; gap: 40px; }
  .contact-grid         { grid-template-columns: 1fr; gap: 36px; }
  .policy-layout        { grid-template-columns: 1fr; }
  .policy-nav           { position: static; }
  .cta-inner            { flex-direction: column; align-items: flex-start; }
  .service-full-card-body { grid-template-columns: 1fr; }
  .service-full-card-header { flex-direction: column; }
}
@media (max-width: 768px) {
  section { padding: 72px 0; }
  .hero { padding-top: 120px; padding-bottom: 72px; }
  .navbar-links, .navbar-cta { display: none; }
  .hamburger { display: flex; }
  .mobile-menu.open { display: flex; }
  .services-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 30px; }
  .footer-bottom-inner { flex-direction: column; align-items: flex-start; }
  .stats-row { grid-template-columns: 1fr 1fr; }
  .form-row  { grid-template-columns: 1fr; }
  .trust-bar-inner { gap: 20px; justify-content: flex-start; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
}
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .card, .compliance-card { padding: 24px; }
  .stats-row { grid-template-columns: 1fr; }
}