/* ==========================================================================
   Jumbo Credit & Thrift Co-operative Society Ltd. — Design System
   Palette: Midnight Navy · Royal Blue · Deep Teal · Champagne Gold · Ivory
   Type:    Manrope (headings) · Inter (body)
   No frameworks, no icon libraries — a single hand-written stylesheet.
   ========================================================================== */

/* ---------- 0. Self-hosted fonts (Inter & Manrope, SIL Open Font License 1.1) ----------
   Served from /assets/fonts — no third-party font requests. ---------- */
@font-face { font-family: 'Inter'; font-style: normal; font-weight: 400; font-display: swap; src: url(../fonts/inter-latin-ext-400-normal.woff2) format('woff2'); unicode-range: U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF; }
@font-face { font-family: 'Inter'; font-style: normal; font-weight: 400; font-display: swap; src: url(../fonts/inter-latin-400-normal.woff2) format('woff2'); unicode-range: U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }
@font-face { font-family: 'Inter'; font-style: normal; font-weight: 500; font-display: swap; src: url(../fonts/inter-latin-ext-500-normal.woff2) format('woff2'); unicode-range: U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF; }
@font-face { font-family: 'Inter'; font-style: normal; font-weight: 500; font-display: swap; src: url(../fonts/inter-latin-500-normal.woff2) format('woff2'); unicode-range: U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }
@font-face { font-family: 'Inter'; font-style: normal; font-weight: 600; font-display: swap; src: url(../fonts/inter-latin-ext-600-normal.woff2) format('woff2'); unicode-range: U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF; }
@font-face { font-family: 'Inter'; font-style: normal; font-weight: 600; font-display: swap; src: url(../fonts/inter-latin-600-normal.woff2) format('woff2'); unicode-range: U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }
@font-face { font-family: 'Manrope'; font-style: normal; font-weight: 600; font-display: swap; src: url(../fonts/manrope-latin-ext-600-normal.woff2) format('woff2'); unicode-range: U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF; }
@font-face { font-family: 'Manrope'; font-style: normal; font-weight: 600; font-display: swap; src: url(../fonts/manrope-latin-600-normal.woff2) format('woff2'); unicode-range: U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }
@font-face { font-family: 'Manrope'; font-style: normal; font-weight: 700; font-display: swap; src: url(../fonts/manrope-latin-ext-700-normal.woff2) format('woff2'); unicode-range: U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF; }
@font-face { font-family: 'Manrope'; font-style: normal; font-weight: 700; font-display: swap; src: url(../fonts/manrope-latin-700-normal.woff2) format('woff2'); unicode-range: U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }
@font-face { font-family: 'Manrope'; font-style: normal; font-weight: 800; font-display: swap; src: url(../fonts/manrope-latin-ext-800-normal.woff2) format('woff2'); unicode-range: U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF; }
@font-face { font-family: 'Manrope'; font-style: normal; font-weight: 800; font-display: swap; src: url(../fonts/manrope-latin-800-normal.woff2) format('woff2'); unicode-range: U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD; }

/* ---------- 1. Tokens ---------- */
:root {
  --navy-950: #050F26;
  --navy-900: #071633;
  --navy-800: #0B1F4B;
  --navy-700: #12306B;
  --navy-600: #1A3F85;
  --royal-600: #1E4FC2;
  --royal-500: #2A5FD9;
  --royal-400: #4F7EE8;
  --royal-100: #E3EAFB;
  --teal-600: #0F766E;
  --teal-500: #14958B;
  --teal-100: #DDF3F0;
  --gold-700: #856419;
  --gold-600: #C9A24D;
  --gold-500: #D4B265;
  --gold-300: #E8CE83;
  --gold-100: #F7EDD2;
  --ivory: #FAF7F0;
  --gray-50: #F6F8FB;
  --gray-100: #EEF1F6;
  --gray-200: #DFE4EC;
  --gray-300: #C5CDD9;
  --gray-400: #98A3B8;
  --gray-500: #64708A;
  --gray-600: #4A5670;
  --gray-700: #33405A;
  --ink: #0B1633;
  --white: #FFFFFF;
  --success: #15803D;
  --success-bg: #E8F6EC;
  --danger: #B91C1C;
  --warning: #B45309;
  --warning-bg: #FFF4E5;

  --font-head: 'Manrope', 'Segoe UI', system-ui, -apple-system, sans-serif;
  --font-body: 'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;

  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;

  --shadow-xs: 0 1px 2px rgba(7, 22, 51, .06);
  --shadow-sm: 0 2px 8px rgba(7, 22, 51, .08);
  --shadow: 0 10px 30px -8px rgba(7, 22, 51, .16);
  --shadow-lg: 0 24px 60px -16px rgba(7, 22, 51, .28);
  --shadow-gold: 0 10px 30px -10px rgba(201, 162, 77, .55);

  --container: 1240px;
  --gutter: 24px;
  --section: clamp(64px, 8vw, 112px);
  --ease: cubic-bezier(.2, .8, .2, 1);
  --header-h: 80px;
}

/* ---------- 2. Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--gray-700);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--royal-600); text-decoration: none; transition: color .2s var(--ease); }
a:hover { color: var(--navy-700); }
ul, ol { margin: 0; padding: 0; }
p { margin: 0 0 1em; }
p:last-child { margin-bottom: 0; }
address { font-style: normal; }
button { font: inherit; cursor: pointer; }
input, select, textarea { font: inherit; color: inherit; }
h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--navy-900);
  line-height: 1.15;
  letter-spacing: -.015em;
  margin: 0 0 .5em;
  font-weight: 800;
}
h1 { font-size: clamp(2.1rem, 4.6vw, 3.6rem); }
h2 { font-size: clamp(1.7rem, 3.2vw, 2.5rem); }
h3 { font-size: 1.25rem; font-weight: 700; }
h4 { font-size: 1.05rem; font-weight: 700; }
.icon { width: 1.2em; height: 1.2em; flex-shrink: 0; }
:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 3px; border-radius: 4px; }
::selection { background: var(--gold-300); color: var(--navy-900); }

.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

.skip-link {
  position: absolute; left: 16px; top: -60px; z-index: 1000;
  background: var(--navy-900); color: #fff; padding: 10px 16px; border-radius: var(--radius-sm);
  font-weight: 600; transition: top .2s;
}
.skip-link:focus { top: 12px; color: #fff; }

/* ---------- 3. Layout utilities ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 var(--gutter); }
.container-wide { max-width: 1400px; }
.section { padding: var(--section) 0; position: relative; }
.section-tight { padding: calc(var(--section) * .7) 0; }
.bg-ivory { background: var(--ivory); }
.bg-gray { background: var(--gray-50); }
.bg-navy { background: var(--navy-900); color: rgba(255,255,255,.82); }
.bg-navy h2, .bg-navy h3 { color: #fff; }
.grid { display: grid; gap: 28px; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.text-center { text-align: center; }
.mt-2 { margin-top: 16px; } .mt-4 { margin-top: 32px; } .mt-6 { margin-top: 48px; }
.mb-4 { margin-bottom: 32px; }

.overline {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-head); font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase;
  color: var(--gold-700); margin-bottom: 14px;
}
.overline::before { content: ""; width: 26px; height: 2px; background: var(--gold-600); border-radius: 2px; }
.overline-light { color: var(--gold-300); }
.overline-light::before { background: var(--gold-300); }
.section-head { max-width: 760px; margin-bottom: 44px; }
.section-head.is-center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.is-center .overline::before { display: none; }
.section-head h2 { margin-bottom: 14px; }
.lead { font-size: 1.12rem; color: var(--gray-600); }

/* ---------- 4. Buttons, pills, links ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 26px; border-radius: 999px; border: 1.5px solid transparent;
  font-family: var(--font-head); font-weight: 700; font-size: .95rem; line-height: 1;
  white-space: nowrap; transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s, color .25s, border-color .25s;
}
.btn .icon { width: 18px; height: 18px; }
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-sm { padding: 11px 20px; font-size: .88rem; }
.btn-primary { background: linear-gradient(135deg, var(--navy-700), var(--navy-900)); color: #fff; box-shadow: var(--shadow-sm); }
.btn-primary:hover { color: #fff; box-shadow: var(--shadow); background: linear-gradient(135deg, var(--royal-600), var(--navy-800)); }
.btn-gold { background: linear-gradient(135deg, var(--gold-300), var(--gold-600)); color: var(--navy-900); box-shadow: var(--shadow-gold); }
.btn-gold:hover { color: var(--navy-900); box-shadow: 0 14px 34px -10px rgba(201,162,77,.7); }
.btn-light { background: #fff; color: var(--navy-900); }
.btn-light:hover { color: var(--royal-600); box-shadow: var(--shadow); }
.btn-outline { background: transparent; color: var(--navy-800); border-color: var(--gray-300); }
.btn-outline:hover { border-color: var(--navy-800); color: var(--navy-900); background: var(--gray-50); }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.4); }
.btn-outline-light:hover { color: #fff; border-color: #fff; background: rgba(255,255,255,.08); }
.btn[disabled], .btn.is-disabled { opacity: .55; cursor: not-allowed; transform: none !important; box-shadow: none !important; }

.pill {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 5px 12px; border-radius: 999px; font-size: .74rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
  font-family: var(--font-head); line-height: 1.2;
}
.pill-gold { background: var(--gold-100); color: var(--gold-700); }
.pill-navy { background: var(--royal-100); color: var(--navy-700); }
.pill-teal { background: var(--teal-100); color: var(--teal-600); }
.pill-light { background: rgba(255,255,255,.12); color: #fff; }
.pill-lg { font-size: .82rem; padding: 8px 16px; }

.link-arrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font-head); font-weight: 700; color: var(--royal-600);
}
.link-arrow .icon { width: 18px; height: 18px; transition: transform .25s var(--ease); }
.link-arrow:hover .icon { transform: translateX(4px); }

/* ---------- 5. Cards ---------- */
.card {
  background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius-lg);
  padding: 30px; position: relative;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.card h3 { margin: 14px 0 8px; }
.card p { color: var(--gray-600); font-size: .96rem; }
.card-icon {
  width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--navy-800), var(--royal-600)); color: var(--gold-300);
  box-shadow: inset 0 0 0 1px rgba(255,255,255,.08), var(--shadow-sm);
}
.card-icon .icon { width: 26px; height: 26px; }
.card-icon-lg { width: 64px; height: 64px; border-radius: 18px; }
.card-icon-lg .icon { width: 30px; height: 30px; }
.card .pill { position: absolute; top: 26px; right: 26px; }
.mini-facts { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 18px 0 20px; padding-top: 18px; border-top: 1px dashed var(--gray-200); }
.mini-facts dt { font-size: .72rem; text-transform: uppercase; letter-spacing: .08em; color: var(--gray-500); font-weight: 600; margin-bottom: 4px; }
.mini-facts dd { margin: 0; font-size: .88rem; color: var(--navy-900); font-weight: 600; line-height: 1.4; }

/* ---------- 6. Scroll reveal & motion ---------- */
.reveal { opacity: 0; transform: translateY(26px); transition: opacity .8s var(--ease), transform .8s var(--ease); transition-delay: calc(var(--d, 0) * 90ms); }
.reveal.is-visible { opacity: 1; transform: none; }
@keyframes floatY { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
@keyframes drift { 0% { transform: translate(0, 0) scale(1); } 50% { transform: translate(4%, -6%) scale(1.08); } 100% { transform: translate(0, 0) scale(1); } }
@keyframes shimmer { 0% { transform: translateX(-120%); } 100% { transform: translateX(220%); } }
@keyframes pulseDot { 0%, 100% { box-shadow: 0 0 0 0 rgba(232,206,131,.55); } 70% { box-shadow: 0 0 0 10px rgba(232,206,131,0); } }

/* ---------- 7. Top bar ---------- */
.topbar { background: var(--navy-950); color: rgba(255,255,255,.78); font-size: .8rem; border-bottom: 1px solid rgba(255,255,255,.06); }
.topbar-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 40px; }
.topbar-group { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; }
.topbar-item { display: inline-flex; align-items: center; gap: 7px; color: inherit; }
.topbar-item .icon { width: 14px; height: 14px; color: var(--gold-500); }
a.topbar-item:hover { color: #fff; }
.topbar-notice span { color: rgba(255,255,255,.62); white-space: nowrap; }
.topbar-social { display: inline-flex; gap: 6px; }
.topbar-social a { display: grid; place-items: center; width: 26px; height: 26px; border-radius: 8px; color: rgba(255,255,255,.75); }
.topbar-social a:hover { background: rgba(255,255,255,.08); color: #fff; }
.topbar-social .icon { width: 15px; height: 15px; }

/* ---------- 8. Header & navigation ---------- */
.site-header {
  position: sticky; top: 0; z-index: 900;
  background: rgba(255,255,255,.86); backdrop-filter: saturate(160%) blur(14px); -webkit-backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid rgba(7,22,51,.08);
  transition: box-shadow .3s var(--ease), background .3s;
}
.site-header.is-scrolled { box-shadow: 0 8px 30px -14px rgba(7,22,51,.28); background: rgba(255,255,255,.94); }
.header-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: var(--header-h); }
.brand { display: inline-flex; align-items: center; gap: 12px; color: var(--navy-900); flex-shrink: 0; white-space: nowrap; }
.brand-logo { height: 44px; width: auto; flex-shrink: 0; }
.brand-text { padding-left: 14px; border-left: 1px solid var(--gray-200); }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-head); font-weight: 800; font-size: 1.02rem; letter-spacing: -.01em; color: var(--navy-900); }
.brand-sub { font-size: .66rem; font-weight: 600; letter-spacing: .07em; text-transform: uppercase; color: var(--gold-700); margin-top: 3px; }
.brand-light .brand-name { color: #fff; }
.brand-light .brand-sub { color: var(--gold-300); }
.brand-light .brand-logo { height: 54px; padding: 8px 12px; background: #fff; border-radius: 12px; box-shadow: 0 6px 20px -8px rgba(0,0,0,.5); }
.brand-light .brand-text { border-left-color: rgba(255,255,255,.18); }
.primary-nav ul { display: flex; list-style: none; gap: 0; }
.primary-nav a {
  display: inline-block; padding: 10px 8px; border-radius: 10px;
  font-family: var(--font-head); font-weight: 700; font-size: .8rem; color: var(--gray-700); position: relative; white-space: nowrap;
  transition: color .2s, background .2s;
}
.primary-nav a::after { content: ""; position: absolute; left: 8px; right: 8px; bottom: 5px; height: 2px; border-radius: 2px; background: var(--gold-600); transform: scaleX(0); transform-origin: left; transition: transform .3s var(--ease); }
.primary-nav a:hover, .primary-nav a.is-active { color: var(--navy-900); }
.primary-nav a:hover::after, .primary-nav a.is-active::after { transform: scaleX(1); }
.header-actions { display: flex; align-items: center; gap: 10px; }
.nav-toggle { display: none; width: 46px; height: 46px; border-radius: 12px; border: 1px solid var(--gray-200); background: #fff; place-items: center; }
.nav-toggle-bars { display: flex; flex-direction: column; gap: 5px; width: 20px; }
.nav-toggle-bars span { display: block; height: 2px; background: var(--navy-900); border-radius: 2px; transition: transform .3s var(--ease), opacity .2s; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bars span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.site-header.nav-collapsed .primary-nav { display: none; }
.site-header.nav-collapsed .nav-toggle { display: grid; }
.site-header.nav-collapsed .mobile-nav { display: block; }
.mobile-nav { display: none; border-top: 1px solid var(--gray-200); background: #fff; max-height: calc(100vh - var(--header-h) - 40px); overflow-y: auto; box-shadow: var(--shadow-lg); }
.mobile-nav[hidden] { display: none !important; }
.mobile-nav ul { list-style: none; padding: 10px var(--gutter); }
.mobile-nav li + li { border-top: 1px solid var(--gray-100); }
.mobile-nav a { display: flex; justify-content: space-between; align-items: center; padding: 14px 4px; font-family: var(--font-head); font-weight: 700; color: var(--navy-900); font-size: 1rem; }
.mobile-nav a.is-active { color: var(--royal-600); }
.mobile-nav a .icon { color: var(--gray-400); width: 18px; height: 18px; }
.mobile-nav-contact { padding: 18px var(--gutter) 26px; background: var(--ivory); }
.mobile-nav-contact .btn { width: 100%; }
.mobile-nav-contact p { margin-top: 12px; font-size: .86rem; color: var(--gray-600); text-align: center; }

/* ---------- 9. Home hero ---------- */
.hero {
  position: relative; overflow: hidden; color: #fff;
  background: radial-gradient(1200px 600px at 80% -10%, rgba(42,95,217,.55), transparent 60%),
              radial-gradient(900px 500px at 0% 100%, rgba(201,162,77,.18), transparent 55%),
              linear-gradient(160deg, var(--navy-800) 0%, var(--navy-900) 55%, var(--navy-950) 100%);
}
.hero-orb { position: absolute; border-radius: 50%; filter: blur(70px); opacity: .55; pointer-events: none; animation: drift 18s ease-in-out infinite; }
.hero-orb-1 { width: 520px; height: 520px; right: -120px; top: -160px; background: radial-gradient(circle, rgba(79,126,232,.8), transparent 65%); }
.hero-orb-2 { width: 420px; height: 420px; left: -140px; bottom: -200px; background: radial-gradient(circle, rgba(212,178,101,.55), transparent 65%); animation-duration: 24s; animation-direction: reverse; }
.hero-grid {
  position: absolute; inset: 0; pointer-events: none; opacity: .35;
  background-image: linear-gradient(rgba(255,255,255,.07) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.07) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(ellipse at 50% 30%, #000 20%, transparent 75%);
  -webkit-mask-image: radial-gradient(ellipse at 50% 30%, #000 20%, transparent 75%);
}
.hero-inner { position: relative; display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; padding: clamp(64px, 8vw, 120px) 0 clamp(72px, 9vw, 130px); }
.hero-badge {
  display: inline-flex; align-items: center; gap: 10px; padding: 8px 16px 8px 10px; border-radius: 999px;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14); font-size: .82rem; font-weight: 600; color: rgba(255,255,255,.9);
  backdrop-filter: blur(6px); margin-bottom: 26px;
}
.hero-badge .dot { width: 9px; height: 9px; border-radius: 50%; background: var(--gold-300); animation: pulseDot 2.4s infinite; }
.hero h1 { color: #fff; margin-bottom: 20px; font-size: clamp(2.2rem, 3.7vw, 3.35rem); }
.hero h1 .accent { background: linear-gradient(120deg, var(--gold-300), var(--gold-500) 60%, #fff); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero-lead { font-size: 1.12rem; color: rgba(255,255,255,.78); max-width: 560px; margin-bottom: 34px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 40px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 10px 26px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,.12); }
.hero-trust li { list-style: none; display: inline-flex; align-items: center; gap: 8px; font-size: .86rem; color: rgba(255,255,255,.8); }
.hero-trust .icon { width: 18px; height: 18px; color: var(--gold-300); }

/* Dashboard-style visual */
.hero-visual { position: relative; padding: 46px 0 64px; }
.dash-card {
  position: relative; border-radius: var(--radius-lg); padding: 26px;
  background: linear-gradient(160deg, rgba(255,255,255,.14), rgba(255,255,255,.05));
  border: 1px solid rgba(255,255,255,.18); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 30px 80px -30px rgba(0,0,0,.6);
  overflow: hidden;
}
.dash-card::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 1px; background: linear-gradient(90deg, transparent, rgba(232,206,131,.7), transparent); }
.dash-main { animation: none; }
.dash-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 22px; }
.dash-head .dash-title { font-family: var(--font-head); font-weight: 700; font-size: .95rem; color: #fff; }
.dash-head .dash-title small { display: block; font-family: var(--font-body); font-weight: 500; font-size: .74rem; color: rgba(255,255,255,.65); margin-top: 3px; }
.dash-live { display: inline-flex; align-items: center; gap: 6px; font-size: .72rem; font-weight: 600; color: var(--gold-300); letter-spacing: .06em; text-transform: uppercase; }
.dash-live .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--gold-300); animation: pulseDot 2.4s infinite; }
.dash-metrics { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.dash-metric { padding: 18px; border-radius: 16px; background: rgba(7,22,51,.35); border: 1px solid rgba(255,255,255,.08); }
.dash-metric .v { font-family: var(--font-head); font-weight: 800; font-size: 1.7rem; color: #fff; letter-spacing: -.02em; line-height: 1; }
.dash-metric .l { display: block; margin-top: 8px; font-size: .78rem; color: rgba(255,255,255,.62); }
.dash-metric.is-gold .v { color: var(--gold-300); }
.dash-districts { margin-top: 22px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.1); }
.dash-districts-label { display: block; font-size: .7rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.62); margin-bottom: 10px; }
.dash-districts ul { list-style: none; display: flex; flex-wrap: wrap; gap: 7px; }
.dash-districts li { padding: 6px 11px; border-radius: 999px; font-size: .76rem; font-weight: 600; color: #fff; background: rgba(255,255,255,.08); border: 1px solid rgba(232,206,131,.35); animation: chipIn .6s var(--ease) both; animation-delay: calc(var(--d, 0) * 80ms + .3s); }
@keyframes chipIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }
.dash-caption { margin-top: 12px; font-size: .72rem; color: rgba(255,255,255,.62); }
.dash-side { position: absolute; padding: 16px 18px; display: flex; align-items: center; gap: 12px; animation: floatY 9s ease-in-out infinite; }
.dash-side .icon { width: 22px; height: 22px; color: var(--gold-300); }
.dash-side strong { display: block; font-family: var(--font-head); font-size: .86rem; color: #fff; }
.dash-side span { font-size: .72rem; color: rgba(255,255,255,.6); }
.dash-side-1 { left: -18px; bottom: -6px; animation-delay: -3s; }
.dash-side-2 { right: -18px; top: 0; animation-delay: -5s; }
.dash-side .side-icon { width: 40px; height: 40px; border-radius: 12px; display: grid; place-items: center; background: rgba(232,206,131,.14); border: 1px solid rgba(232,206,131,.3); flex-shrink: 0; }

/* ---------- 10. Stats bar ---------- */
.stats-bar { position: relative; z-index: 2; margin-top: -44px; }
.stats-grid {
  list-style: none; display: grid; grid-template-columns: repeat(5, 1fr);
  background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); border: 1px solid var(--gray-200); overflow: hidden;
}
.stat { padding: 30px 22px; text-align: center; position: relative; }
.stat + .stat::before { content: ""; position: absolute; left: 0; top: 24px; bottom: 24px; width: 1px; background: var(--gray-200); }
.stat-value { display: block; font-family: var(--font-head); font-weight: 800; font-size: clamp(1.45rem, 2.1vw, 2rem); color: var(--navy-900); letter-spacing: -.02em; line-height: 1.05; white-space: nowrap; }
.stat-value-text { font-size: 1.25rem; color: var(--gold-700); }
.stat-label { display: block; margin-top: 8px; font-size: .86rem; font-weight: 600; color: var(--gray-700); }
.stat-note { display: block; margin-top: 5px; font-size: .72rem; color: var(--gray-500); }

/* ---------- 11. Inner page hero ---------- */
.page-hero {
  position: relative; overflow: hidden; color: #fff; padding: clamp(48px, 6vw, 84px) 0;
  background: radial-gradient(900px 400px at 90% 0%, rgba(42,95,217,.5), transparent 60%), linear-gradient(160deg, var(--navy-800), var(--navy-950));
}
.page-hero-pattern { position: absolute; inset: 0; opacity: .3; background-image: linear-gradient(rgba(255,255,255,.06) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.06) 1px, transparent 1px); background-size: 56px 56px; mask-image: linear-gradient(90deg, transparent, #000 40%, #000 60%, transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 40%, #000 60%, transparent); }
.page-hero .container { position: relative; }
.page-hero h1 { color: #fff; margin-bottom: 14px; }
.page-hero-lead { font-size: 1.1rem; color: rgba(255,255,255,.75); max-width: 720px; }
.breadcrumbs { margin-bottom: 22px; font-size: .82rem; }
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; align-items: center; }
.breadcrumbs li { display: inline-flex; align-items: center; gap: 6px; color: rgba(255,255,255,.7); }
.breadcrumbs li + li::before { content: "/"; color: rgba(255,255,255,.3); }
.breadcrumbs a { color: rgba(255,255,255,.82); }
.breadcrumbs a:hover { color: var(--gold-300); }
.breadcrumbs li[aria-current] { color: var(--gold-300); font-weight: 600; }

/* ---------- 12. About / feature blocks ---------- */
.about-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 64px; align-items: center; }
.about-visual { position: relative; }
.about-panel {
  border-radius: var(--radius-xl); padding: 40px 40px 68px; color: #fff;
  background: radial-gradient(600px 300px at 100% 0%, rgba(79,126,232,.45), transparent 60%), linear-gradient(160deg, var(--navy-700), var(--navy-950));
  box-shadow: var(--shadow-lg);
}
.about-panel h3 { color: #fff; font-size: 1.35rem; margin-bottom: 20px; }
.about-panel ul { list-style: none; display: grid; gap: 14px; }
.about-panel li { display: flex; gap: 12px; align-items: flex-start; font-size: .94rem; color: rgba(255,255,255,.82); }
.about-panel li .icon { width: 20px; height: 20px; color: var(--gold-300); margin-top: 3px; }
.about-panel li strong { color: #fff; display: block; }
.about-badge { position: absolute; right: -18px; bottom: -24px; background: #fff; border-radius: var(--radius); padding: 16px 20px; box-shadow: var(--shadow-lg); display: flex; align-items: center; gap: 12px; border: 1px solid var(--gray-200); }
.about-badge .icon { width: 28px; height: 28px; color: var(--gold-700); }
.about-badge strong { display: block; font-family: var(--font-head); color: var(--navy-900); }
.about-badge span { font-size: .78rem; color: var(--gray-500); }
.feature-list { list-style: none; display: grid; gap: 18px; margin: 28px 0; }
.feature-list li { display: flex; gap: 16px; align-items: flex-start; }
.feature-list .feature-icon { width: 44px; height: 44px; border-radius: 12px; flex-shrink: 0; display: grid; place-items: center; background: var(--gold-100); color: var(--gold-700); }
.feature-list .feature-icon .icon { width: 22px; height: 22px; }
.feature-list strong { display: block; color: var(--navy-900); font-family: var(--font-head); margin-bottom: 2px; }
.feature-list p { font-size: .94rem; }
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.pillar { padding: 34px 28px; border-radius: var(--radius-lg); background: #fff; border: 1px solid var(--gray-200); position: relative; overflow: hidden; transition: transform .35s var(--ease), box-shadow .35s var(--ease); }
.pillar::after { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 4px; background: linear-gradient(90deg, var(--gold-300), var(--gold-600)); transform: scaleX(0); transform-origin: left; transition: transform .4s var(--ease); }
.pillar:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.pillar:hover::after { transform: scaleX(1); }
.pillar .num { font-family: var(--font-head); font-weight: 800; font-size: 2.4rem; color: var(--gray-200); line-height: 1; margin-bottom: 14px; }
.pillar h3 { font-size: 1.15rem; }
.pillar p { font-size: .94rem; color: var(--gray-600); }
.pillar .ref { display: inline-block; margin-top: 12px; font-size: .72rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--gold-700); }

/* ---------- 13. Detail blocks (schemes / loans) ---------- */
.scheme-detail { background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius-lg); padding: 36px; scroll-margin-top: 110px; }
.scheme-detail + .scheme-detail { margin-top: 28px; }
.scheme-detail-head { display: grid; grid-template-columns: auto 1fr auto; gap: 22px; align-items: start; margin-bottom: 26px; }
.scheme-detail-head h3 { font-size: 1.45rem; margin: 4px 0 8px; }
.scheme-detail-head p { color: var(--gray-600); }
.scheme-detail-head .overline { margin-bottom: 0; }
.fact-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; margin: 0; }
.fact { padding: 16px 18px; border-radius: var(--radius-sm); background: var(--gray-50); border: 1px solid var(--gray-100); }
.fact dt { font-size: .72rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--gold-700); margin-bottom: 6px; }
.fact dd { margin: 0; font-size: .94rem; color: var(--navy-900); line-height: 1.55; }
.fact.is-muted dd { color: var(--gray-500); font-style: italic; }
.scheme-conditions { margin-top: 24px; }
.scheme-conditions h4 { margin-bottom: 12px; }
.check-list { list-style: none; display: grid; gap: 10px; }
.check-list li { display: flex; gap: 10px; align-items: flex-start; font-size: .94rem; color: var(--gray-700); }
.check-list .icon { width: 18px; height: 18px; color: var(--teal-600); margin-top: 4px; background: var(--teal-100); border-radius: 50%; padding: 3px; }
.scheme-detail-foot { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; margin-top: 26px; padding-top: 20px; border-top: 1px solid var(--gray-200); }
.source-note { display: inline-flex; align-items: center; gap: 8px; font-size: .8rem; color: var(--gray-500); }
.source-note .icon { width: 16px; height: 16px; }

.table-wrap { overflow-x: auto; margin-top: 22px; border: 1px solid var(--gray-200); border-radius: var(--radius-sm); }
.data-table { width: 100%; border-collapse: collapse; font-size: .9rem; min-width: 560px; }
.data-table th, .data-table td { padding: 12px 14px; text-align: left; border-bottom: 1px solid var(--gray-200); vertical-align: top; }
.data-table thead th { background: var(--navy-900); color: #fff; font-family: var(--font-head); font-weight: 700; font-size: .78rem; letter-spacing: .06em; text-transform: uppercase; }
.data-table tbody th { font-weight: 700; color: var(--navy-900); background: var(--gray-50); }
.data-table tbody tr:last-child td, .data-table tbody tr:last-child th { border-bottom: 0; }
.data-table tbody tr:hover td { background: var(--ivory); }
.data-table-compact { min-width: 0; }

/* Scheme category nav */
.scheme-nav { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 36px; }
.scheme-nav a { padding: 9px 16px; border-radius: 999px; border: 1px solid var(--gray-200); background: #fff; font-size: .84rem; font-weight: 600; color: var(--gray-700); }
.scheme-nav a:hover { border-color: var(--navy-800); color: var(--navy-900); }

/* ---------- 14. Membership ---------- */
.steps { list-style: none; counter-reset: step; display: grid; gap: 0; position: relative; }
.step { display: grid; grid-template-columns: 64px 1fr; gap: 20px; padding: 22px 0; position: relative; }
.step + .step { border-top: 1px dashed var(--gray-200); }
.step-num { width: 52px; height: 52px; border-radius: 16px; display: grid; place-items: center; font-family: var(--font-head); font-weight: 800; color: #fff; background: linear-gradient(135deg, var(--navy-700), var(--royal-600)); box-shadow: var(--shadow-sm); }
.step h3 { font-size: 1.08rem; margin: 6px 0 6px; }
.step p { font-size: .94rem; color: var(--gray-600); }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.rights-list { list-style: none; display: grid; gap: 12px; }
.rights-list li { display: flex; gap: 12px; align-items: flex-start; padding: 14px 16px; border-radius: var(--radius-sm); background: #fff; border: 1px solid var(--gray-200); font-size: .93rem; }
.rights-list .icon { width: 20px; height: 20px; color: var(--gold-700); margin-top: 2px; }
.rights-list .ref { display: block; font-size: .72rem; color: var(--gray-500); margin-top: 4px; font-weight: 600; letter-spacing: .04em; }
.benefit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.benefit { padding: 26px; border-radius: var(--radius); background: #fff; border: 1px solid var(--gray-200); display: flex; gap: 16px; align-items: flex-start; transition: transform .3s var(--ease), box-shadow .3s var(--ease); }
.benefit:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.benefit .card-icon { width: 48px; height: 48px; border-radius: 14px; }
.benefit .card-icon .icon { width: 22px; height: 22px; }
.benefit h3 { font-size: 1rem; margin: 2px 0 6px; }
.benefit p { font-size: .9rem; color: var(--gray-600); }

/* ---------- 15. Governance ---------- */
.director-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.director-card { text-align: center; padding: 30px 22px 26px; }
.director-card .pill { position: static; margin: 0 auto; }
.director-card h3 { font-size: 1.05rem; margin: 16px 0 10px; }
.director-card.is-officer { border-color: rgba(201,162,77,.45); background: linear-gradient(180deg, #fff, var(--ivory)); }
.avatar { width: 92px; height: 92px; border-radius: 50%; margin: 0 auto; object-fit: cover; }
.avatar-initials { display: grid; place-items: center; font-family: var(--font-head); font-weight: 800; font-size: 1.6rem; color: #fff; background: linear-gradient(135deg, var(--navy-700), var(--royal-600)); box-shadow: 0 0 0 4px #fff, 0 0 0 5px var(--gold-500); }
.is-officer .avatar-initials { background: linear-gradient(135deg, var(--gold-600), var(--gold-700)); color: var(--navy-900); }
.director-role { font-size: .8rem; color: var(--gray-500); margin: 10px 0 0; }
.director-phone { display: inline-flex; align-items: center; gap: 6px; margin-top: 10px; font-size: .84rem; font-weight: 600; }
.director-phone .icon { width: 15px; height: 15px; }
.gov-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.gov-item { padding: 26px; border-radius: var(--radius); background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.1); }
.gov-item .icon { width: 28px; height: 28px; color: var(--gold-300); margin-bottom: 14px; }
.gov-item h3 { font-size: 1.05rem; margin-bottom: 8px; }
.gov-item p { font-size: .92rem; color: rgba(255,255,255,.72); }
.gov-item .ref { display: inline-block; margin-top: 12px; font-size: .7rem; letter-spacing: .08em; text-transform: uppercase; font-weight: 700; color: var(--gold-300); }
.management-card { display: grid; grid-template-columns: auto 1fr auto; gap: 28px; align-items: center; padding: 34px; border-radius: var(--radius-lg); background: linear-gradient(135deg, var(--navy-800), var(--navy-950)); color: #fff; box-shadow: var(--shadow-lg); }
.management-card .avatar-initials { width: 104px; height: 104px; font-size: 2rem; box-shadow: 0 0 0 4px var(--navy-900), 0 0 0 6px var(--gold-500); background: linear-gradient(135deg, var(--gold-300), var(--gold-600)); color: var(--navy-900); }
.management-card h3 { color: #fff; font-size: 1.5rem; margin: 6px 0 4px; }
.management-card p { color: rgba(255,255,255,.72); }
.management-card .contact-lines { list-style: none; display: grid; gap: 8px; margin-top: 14px; }
.management-card .contact-lines li { display: flex; gap: 10px; align-items: center; font-size: .92rem; }
.management-card .contact-lines .icon { width: 18px; height: 18px; color: var(--gold-300); }
.management-card .contact-lines a { color: #fff; font-weight: 600; }

/* ---------- 16. Documents & notices ---------- */
.doc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.doc-card-top { display: flex; justify-content: space-between; align-items: flex-start; }
.doc-card .pill { position: static; }
.doc-card h3 { font-size: 1.1rem; margin-top: 18px; }
.doc-meta { font-size: .78rem; color: var(--gray-500); margin-bottom: 10px !important; }
.doc-actions { display: flex; gap: 10px; margin-top: 18px; flex-wrap: wrap; }
.notice-list { display: grid; gap: 20px; }
.notice-card h3 { font-size: 1.15rem; margin-top: 12px; }
.notice-meta { display: flex; align-items: center; gap: 12px; }
.notice-meta .pill { position: static; }
.notice-meta time { font-size: .82rem; color: var(--gray-500); font-weight: 600; }
.notice-body { color: var(--gray-600); }
.notice-card.is-compact p { font-size: .92rem; }
.notices-layout { display: grid; grid-template-columns: 1.4fr .6fr; gap: 40px; align-items: start; }
.empty-state { padding: 40px; text-align: center; border: 1px dashed var(--gray-300); border-radius: var(--radius); color: var(--gray-500); }

/* ---------- 17. Transparency (dark) ---------- */
.transparency { position: relative; overflow: hidden; background: radial-gradient(800px 400px at 0% 0%, rgba(42,95,217,.35), transparent 60%), linear-gradient(160deg, var(--navy-900), var(--navy-950)); color: rgba(255,255,255,.8); }
.transparency .overline { color: var(--gold-300); }
.transparency .overline::before { background: var(--gold-300); }
.transparency h2 { color: #fff; }
.transparency .lead { color: rgba(255,255,255,.7); }
.section-footnote { font-size: .86rem; color: rgba(255,255,255,.7); max-width: 820px; }

/* ---------- 18. FAQ ---------- */
.faq-list { max-width: 860px; margin: 0 auto; display: grid; gap: 12px; }
.faq-item { background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius); overflow: hidden; transition: box-shadow .3s var(--ease), border-color .3s; }
.faq-item.is-open { border-color: rgba(201,162,77,.5); box-shadow: var(--shadow-sm); }
.faq-item h3 { margin: 0; font-size: 1rem; }
.faq-trigger { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 20px 24px; background: none; border: 0; text-align: left; font-family: var(--font-head); font-weight: 700; color: var(--navy-900); font-size: 1rem; }
.faq-trigger .icon { width: 20px; height: 20px; color: var(--gold-700); transition: transform .3s var(--ease); flex-shrink: 0; }
.faq-trigger[aria-expanded="true"] .icon { transform: rotate(180deg); }
.faq-panel { padding: 0 24px 22px; color: var(--gray-600); font-size: .96rem; }
.faq-panel[hidden] { display: none; }

/* ---------- 19. Support & CTA ---------- */
.support-card { display: grid; grid-template-columns: 1.3fr .7fr; gap: 40px; align-items: center; padding: 48px; border-radius: var(--radius-xl); color: #fff; background: radial-gradient(700px 300px at 100% 0%, rgba(79,126,232,.4), transparent 60%), linear-gradient(140deg, var(--navy-700), var(--navy-950)); box-shadow: var(--shadow-lg); }
.support-card .overline { color: var(--gold-300); }
.support-card .overline::before { background: var(--gold-300); }
.support-card h2 { color: #fff; }
.support-card p { color: rgba(255,255,255,.75); }
.support-facts { list-style: none; display: grid; gap: 14px; margin-top: 22px; }
.support-facts li { display: flex; gap: 12px; align-items: flex-start; font-size: .94rem; color: rgba(255,255,255,.8); }
.support-facts .icon { width: 20px; height: 20px; color: var(--gold-300); margin-top: 3px; }
.support-facts strong { color: #fff; }
.support-facts a { color: var(--gold-300); font-weight: 600; }
.support-actions { display: grid; gap: 12px; }
.support-actions .btn { width: 100%; }
.cta-band { padding: 0 0 var(--section); }
.cta-band-inner { display: flex; justify-content: space-between; align-items: center; gap: 30px; padding: 44px 48px; border-radius: var(--radius-xl); background: linear-gradient(120deg, var(--gold-100), #fff 60%, var(--royal-100)); border: 1px solid var(--gray-200); }
.cta-band h2 { font-size: 1.6rem; margin-bottom: 6px; }
.cta-band p { color: var(--gray-600); }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* ---------- 20. Forms ---------- */
.enquiry-form-wrap { background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow-sm); scroll-margin-top: 110px; }
.enquiry-form-wrap h2 { font-size: 1.5rem; }
.form-intro { color: var(--gray-600); margin-bottom: 22px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { display: flex; flex-direction: column; gap: 6px; }
.field-full { grid-column: 1 / -1; }
.field label { font-size: .84rem; font-weight: 600; color: var(--navy-900); }
.field .req { color: var(--danger); }
.field input, .field select, .field textarea { width: 100%; padding: 12px 14px; border: 1.5px solid var(--gray-200); border-radius: var(--radius-sm); background: var(--gray-50); transition: border-color .2s, box-shadow .2s, background .2s; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--royal-500); background: #fff; box-shadow: 0 0 0 4px rgba(42,95,217,.12); }
.field input[aria-invalid="true"], .field select[aria-invalid="true"] { border-color: var(--danger); }
.field-check { flex-direction: row; align-items: flex-start; gap: 10px; }
.field-check input { width: 18px; height: 18px; margin-top: 3px; flex-shrink: 0; }
.field-check label { font-weight: 500; color: var(--gray-600); font-size: .86rem; }
.form-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; margin-top: 22px; }
.form-status { font-size: .88rem; font-weight: 600; color: var(--gray-600); }
.form-status.is-error { color: var(--danger); }
.form-status.is-success { color: var(--success); }
.form-note { margin-top: 16px; font-size: .78rem; color: var(--gray-500); }
.notice-box { display: flex; gap: 12px; align-items: flex-start; padding: 16px 18px; border-radius: var(--radius-sm); margin-bottom: 22px; font-size: .92rem; border: 1px solid; }
.notice-box .icon { width: 20px; height: 20px; margin-top: 2px; flex-shrink: 0; }
.notice-info { background: var(--royal-100); border-color: rgba(42,95,217,.25); color: var(--navy-800); }
.notice-warning { background: var(--warning-bg); border-color: rgba(180,83,9,.3); color: #7C3A00; }
.notice-success { background: var(--success-bg); border-color: rgba(21,128,61,.3); color: #14532D; }
.notice-neutral { background: var(--gray-50); border-color: var(--gray-200); color: var(--gray-700); }

/* ---------- 21. Contact page ---------- */
.contact-grid { display: grid; grid-template-columns: .85fr 1.15fr; gap: 40px; align-items: start; }
.contact-panel { border-radius: var(--radius-lg); padding: 36px; color: #fff; background: radial-gradient(600px 300px at 100% 0%, rgba(79,126,232,.4), transparent 60%), linear-gradient(160deg, var(--navy-700), var(--navy-950)); box-shadow: var(--shadow-lg); position: sticky; top: 110px; }
.contact-panel h2 { color: #fff; font-size: 1.4rem; }
.contact-panel .contact-lines { list-style: none; display: grid; gap: 18px; margin-top: 24px; }
.contact-panel .contact-lines li { display: flex; gap: 14px; align-items: flex-start; }
.contact-panel .contact-lines .icon { width: 22px; height: 22px; color: var(--gold-300); margin-top: 2px; }
.contact-panel .contact-lines strong { display: block; color: #fff; font-family: var(--font-head); font-size: .9rem; }
.contact-panel .contact-lines span, .contact-panel .contact-lines a { color: rgba(255,255,255,.78); font-size: .94rem; }
.contact-panel .contact-lines a:hover { color: var(--gold-300); }
.contact-panel .btn { margin-top: 26px; width: 100%; }
.contact-panel .btn + .btn { margin-top: 10px; }
.contact-panel .fine { margin-top: 18px; font-size: .78rem; color: rgba(255,255,255,.66); }

/* ---------- 22. Member services (portal prototype) ---------- */
.portal-status { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; border-radius: 999px; background: var(--warning-bg); color: #7C3A00; font-weight: 700; font-size: .8rem; letter-spacing: .04em; text-transform: uppercase; font-family: var(--font-head); }
.portal-status .icon { width: 16px; height: 16px; }
.portal-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 36px; align-items: start; }
.portal-login { background: #fff; border: 1px solid var(--gray-200); border-radius: var(--radius-lg); padding: 36px; box-shadow: var(--shadow-sm); }
.portal-login h2 { font-size: 1.4rem; }
.portal-login .field + .field { margin-top: 16px; }
.portal-login fieldset { border: 0; padding: 0; margin: 0; }
.portal-login fieldset[disabled] { opacity: .65; }
.portal-tiles { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.portal-tile { padding: 22px; border-radius: var(--radius); background: #fff; border: 1px solid var(--gray-200); display: flex; gap: 14px; align-items: flex-start; transition: transform .3s var(--ease), box-shadow .3s var(--ease); }
.portal-tile:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.portal-tile .card-icon { width: 44px; height: 44px; border-radius: 12px; }
.portal-tile .card-icon .icon { width: 20px; height: 20px; }
.portal-tile h3 { font-size: .98rem; margin: 2px 0 4px; }
.portal-tile p { font-size: .84rem; color: var(--gray-600); margin: 0; }
.portal-tile .pill { position: static; margin-top: 8px; }
.api-list { list-style: none; display: grid; gap: 8px; font-family: ui-monospace, SFMono-Regular, Menlo, Consolas, monospace; font-size: .82rem; }
.api-list li { display: flex; gap: 12px; align-items: center; padding: 10px 14px; border-radius: var(--radius-xs); background: var(--gray-50); border: 1px solid var(--gray-200); color: var(--gray-700); }
.api-list .method { font-weight: 700; color: var(--teal-600); min-width: 44px; }

/* ---------- 23. Legal / prose pages ---------- */
.prose { max-width: 820px; }
.prose h2 { font-size: 1.45rem; margin-top: 2.2em; }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 1.1rem; margin-top: 1.6em; }
.prose p, .prose li { color: var(--gray-700); }
.prose ul, .prose ol { padding-left: 1.3em; margin: 0 0 1.2em; }
.prose li { margin-bottom: .5em; }
.prose .meta { font-size: .84rem; color: var(--gray-500); margin-bottom: 2em; }
.prose table { width: 100%; border-collapse: collapse; font-size: .92rem; margin-bottom: 1.5em; }
.prose th, .prose td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--gray-200); vertical-align: top; }
.prose th { color: var(--navy-900); font-family: var(--font-head); }
.legal-nav { position: sticky; top: 110px; }
.legal-nav ul { list-style: none; display: grid; gap: 4px; }
.legal-nav a { display: block; padding: 10px 14px; border-radius: var(--radius-xs); font-size: .9rem; font-weight: 600; color: var(--gray-600); }
.legal-nav a:hover, .legal-nav a.is-active { background: var(--ivory); color: var(--navy-900); }
.legal-layout { display: grid; grid-template-columns: 240px 1fr; gap: 48px; align-items: start; }

/* ---------- 24. Footer ---------- */
.site-footer { background: var(--navy-950); color: rgba(255,255,255,.72); padding-top: 72px; position: relative; }
.site-footer::before { content: ""; position: absolute; inset: 0 0 auto; height: 1px; background: linear-gradient(90deg, transparent, rgba(232,206,131,.6), transparent); }
.footer-top { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr 1.3fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-tagline { margin-top: 20px; font-family: var(--font-head); font-weight: 700; color: var(--gold-300); font-size: 1.05rem; }
.footer-desc { font-size: .9rem; max-width: 380px; }
.footer-social { margin-top: 22px; }
.footer-social-label { display: block; font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: rgba(255,255,255,.62); margin-bottom: 12px; }
.social-row { display: flex; gap: 10px; }
.social-row a, .social-row span { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 12px; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); color: #fff; transition: background .2s, transform .2s, border-color .2s; }
.social-row a:hover { background: var(--gold-600); border-color: var(--gold-600); color: var(--navy-900); transform: translateY(-2px); }
.social-row .icon { width: 18px; height: 18px; }
.social-row-muted span { opacity: .4; }
.footer-social-note { margin-top: 10px; font-size: .76rem; color: rgba(255,255,255,.6); }
.footer-col h3 { color: #fff; font-size: .9rem; letter-spacing: .08em; text-transform: uppercase; margin-bottom: 18px; }
.footer-col ul { list-style: none; display: grid; gap: 10px; }
.footer-col a { color: rgba(255,255,255,.72); font-size: .92rem; }
.footer-col a:hover { color: var(--gold-300); }
.footer-contact address p { display: flex; gap: 12px; align-items: flex-start; font-size: .9rem; margin-bottom: 14px; }
.footer-contact .icon { width: 18px; height: 18px; color: var(--gold-300); margin-top: 3px; }
.footer-contact strong { color: #fff; font-size: .82rem; letter-spacing: .04em; }
.footer-contact a { color: rgba(255,255,255,.85); }
.footer-disclosure { padding: 26px 0; border-bottom: 1px solid rgba(255,255,255,.08); font-size: .82rem; color: rgba(255,255,255,.66); line-height: 1.7; }
.footer-disclosure strong { color: rgba(255,255,255,.85); }
.footer-disclosure a { color: var(--gold-300); }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap; padding: 22px 0 30px; font-size: .82rem; color: rgba(255,255,255,.66); }
.footer-legal { list-style: none; display: flex; gap: 20px; }
.footer-legal a { color: rgba(255,255,255,.7); }
.footer-legal a:hover { color: var(--gold-300); }

.whatsapp-float { position: fixed; right: 18px; bottom: 18px; z-index: 800; width: 54px; height: 54px; border-radius: 50%; display: grid; place-items: center; background: linear-gradient(135deg, var(--gold-300), var(--gold-600)); color: var(--navy-900); box-shadow: var(--shadow-gold); transition: transform .3s var(--ease); }
.whatsapp-float:hover { transform: scale(1.06); color: var(--navy-900); }
.whatsapp-float .icon { width: 24px; height: 24px; }

/* ---------- 25. 404 ---------- */
.error-page { text-align: center; padding: var(--section) 0; }
.error-code { font-family: var(--font-head); font-weight: 800; font-size: clamp(5rem, 14vw, 9rem); line-height: 1; background: linear-gradient(120deg, var(--navy-700), var(--royal-500)); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* ---------- 26. Responsive ---------- */
@media (max-width: 1439px) and (min-width: 1261px) {
  .site-header .brand-text { display: none; }   /* logo alone keeps the full navigation on one line */
}
@media (max-width: 1320px) {
  .topbar-notice { display: none; }
}
@media (max-width: 1260px) {
  .primary-nav { display: none; }
  .nav-toggle { display: grid; }
  .mobile-nav { display: block; }
  .director-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 1024px) {
  .header-actions .btn span { display: none; }
  .header-actions .btn { padding: 12px 14px; }
  .hero-inner { grid-template-columns: 1fr; gap: 48px; }
  .hero-visual { max-width: 560px; margin: 0 auto; width: 100%; }
  .stats-grid { grid-template-columns: repeat(3, 1fr); }
  .stat:nth-child(4)::before, .stat:nth-child(5)::before { display: none; }
  .stat:nth-child(n+4) { border-top: 1px solid var(--gray-200); }
  .about-grid, .two-col, .contact-grid, .portal-grid, .legal-layout, .notices-layout { grid-template-columns: 1fr; }
  .notices-layout .contact-panel { position: static !important; }
  .contact-panel, .legal-nav { position: static; }
  .grid-3, .pillars, .benefit-grid, .doc-grid, .gov-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .support-card { grid-template-columns: 1fr; }
  .support-actions { grid-template-columns: repeat(3, 1fr); }
  .management-card { grid-template-columns: auto 1fr; }
  .management-card .btn { grid-column: 1 / -1; }
}
@media (max-width: 768px) {
  :root { --header-h: 68px; --gutter: 18px; }
  .topbar-right { display: none; }
  .topbar-group { gap: 14px; }
  .topbar-group .topbar-item:first-child { display: none; }
  .topbar-inner { justify-content: center; }
  .brand-logo { height: 38px; }
  .brand-text { padding-left: 10px; }
  .brand-name { font-size: .98rem; }
  .brand-sub { font-size: .64rem; }
  .hero-inner { padding: 56px 0 84px; }
  .hero-actions .btn { width: 100%; }
  .hero-visual { min-height: 0; }
  .dash-side { position: static; margin-top: 14px; animation: none; }
  .dash-metrics { gap: 10px; }
  .dash-metric .v { font-size: 1.45rem; }
  .stats-bar { margin-top: -36px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat { padding: 22px 14px; }
  .stat + .stat::before { display: none; }
  .stat:nth-child(n+3) { border-top: 1px solid var(--gray-200); }
  .stat:nth-child(5) { grid-column: 1 / -1; }
  .section-head { margin-bottom: 32px; }
  .grid-2, .grid-3, .grid-4, .pillars, .benefit-grid, .doc-grid, .gov-grid, .director-grid, .portal-tiles, .fact-grid, .form-grid { grid-template-columns: 1fr; }
  .card { padding: 24px; }
  .scheme-detail { padding: 24px; }
  .scheme-detail-head { grid-template-columns: auto 1fr; }
  .scheme-detail-head .pill { grid-column: 1 / -1; justify-self: start; }
  .scheme-detail-foot .btn { width: 100%; }
  .about-badge { position: static; margin-top: 16px; }
  .about-panel { padding: 28px; }
  .support-card { padding: 30px 24px; }
  .support-actions { grid-template-columns: 1fr; }
  .cta-band-inner { flex-direction: column; align-items: flex-start; padding: 30px 24px; }
  .cta-actions .btn { width: 100%; }
  .enquiry-form-wrap, .portal-login, .contact-panel { padding: 24px; }
  .management-card { grid-template-columns: 1fr; text-align: center; padding: 28px; }
  .management-card .contact-lines li { justify-content: center; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-contact { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .step { grid-template-columns: 48px 1fr; gap: 14px; }
  .step-num { width: 44px; height: 44px; border-radius: 13px; }
  .whatsapp-float { width: 50px; height: 50px; right: 14px; bottom: 14px; }
}
@media (max-width: 420px) {
  .hero h1 { font-size: 2.1rem; }
  .footer-top { grid-template-columns: 1fr; }
  .brand-text { display: flex; }
}

/* ---------- 27. Reduced motion & print ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  .reveal { opacity: 1; transform: none; }
}
@media print {
  .topbar, .site-header, .whatsapp-float, .cta-band, .support-section, .site-footer .footer-social, .hero-orb, .hero-grid { display: none !important; }
  body { color: #000; }
  .reveal { opacity: 1; transform: none; }
  a::after { content: none; }
}