/* =====================================================================
   IFP — shared component styles. Tokens live in tokens.css.
   ===================================================================== */

* { box-sizing: border-box; }
html, body { background: var(--ifp-paper); }
body { color: var(--fg-1); scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { body { scroll-behavior: auto; } }

/* ============ Layout ============ */
.wrap { max-width: 1240px; margin: 0 auto; padding-inline: 56px; }
.site { background: var(--ifp-white); min-height: 100vh; display: flex; flex-direction: column; }
.site > main { flex: 1; }

/* ============ Header ============ */
.site-header {
  position: sticky; top: 0; z-index: 30;
  background: rgba(255,255,255,.92);
  border-bottom: 1px solid var(--border-1);
  backdrop-filter: saturate(140%) blur(6px);
  transition: box-shadow var(--t-base) var(--ease-out);
}
.site-header.is-scrolled { box-shadow: var(--shadow-1); }
.site-header .bar {
  display: flex; align-items: center; justify-content: space-between;
  padding-block: 18px; gap: 24px;
}
.lockup { display: inline-flex; align-items: center; gap: 14px; text-decoration: none; }
.lockup .mark { width: 34px; height: 34px; display: block; }
.lockup .stack { display: flex; flex-direction: column; line-height: 1; }
.lockup .word { font-family: var(--ifp-display); font-weight: 600; font-size: 22px;
                color: var(--ifp-navy-900); letter-spacing: -.04em; }
.lockup .sub  { display: block; font-family: var(--ifp-mono); font-weight: 400;
                font-size: 9.5px; letter-spacing: .22em; text-transform: uppercase;
                color: var(--ifp-slate); margin-top: 7px; }

/* Anchor nav (desktop) */
.nav { display: flex; gap: 28px; align-items: center; }
.nav a {
  font-family: var(--ifp-body); font-size: 14px; font-weight: 500;
  color: var(--ifp-graphite); text-decoration: none;
  transition: color var(--t-fast) var(--ease-out);
}
.nav a:hover, .nav a.active { color: var(--ifp-navy-900); }

/* Burger (mobile) */
.burger {
  display: none; background: transparent; border: 0; cursor: pointer; padding: 8px;
  color: var(--ifp-navy-900);
}
.burger svg { width: 22px; height: 22px; display: block; }

.mobile-nav {
  display: none; position: fixed; inset: 64px 0 0 0; z-index: 40;
  background: rgba(255,255,255,.98);
  flex-direction: column; gap: 4px;
  padding: 24px 28px; border-top: 1px solid var(--border-1);
  backdrop-filter: saturate(140%) blur(6px);
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  font-family: var(--ifp-display); font-size: 22px; font-weight: 500;
  color: var(--ifp-navy-900); text-decoration: none; padding: 14px 0;
  border-bottom: 1px solid var(--border-1);
}
.mobile-nav .btn { margin-top: 16px; align-self: flex-start; }

/* ============ Buttons ============ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-family: var(--ifp-body); font-weight: 600; font-size: 14px; line-height: 1;
  padding: 12px 20px; border-radius: var(--r-pill); border: 1px solid transparent;
  cursor: pointer; text-decoration: none; letter-spacing: -.005em;
  transition: background var(--t-base) var(--ease-out),
              color var(--t-base) var(--ease-out),
              border-color var(--t-base) var(--ease-out),
              transform var(--t-fast) var(--ease-out);
}
.btn:active { transform: translateY(1px); }
.btn:focus-visible { outline: none; box-shadow: var(--focus-ring); border-color: var(--ifp-blue-500); }
.btn-primary { background: var(--ifp-navy-900); color: var(--ifp-white); }
.btn-primary:hover { background: var(--ifp-navy-800); color: var(--ifp-white); }
.btn-accent  { background: var(--ifp-blue-500); color: var(--ifp-white); }
.btn-accent:hover  { background: var(--ifp-blue-600); color: var(--ifp-white); }
.btn-secondary { background: var(--ifp-white); color: var(--ifp-navy-900); border-color: var(--border-1); }
.btn-secondary:hover { border-color: var(--ifp-navy-900); color: var(--ifp-navy-900); }
.btn-ghost { background: transparent; color: var(--ifp-navy-900); padding-inline: 12px; }
.btn-ghost:hover { background: var(--ifp-blue-50); color: var(--ifp-navy-900); }
.btn-lg { padding: 16px 28px; font-size: 15px; }
.btn-block { width: 100%; }
.arrow { width: 14px; height: 14px; flex-shrink: 0; }

/* ============ Eyebrow (shared) ============ */
.eyebrow {
  font-family: var(--ifp-mono); font-size: var(--fs-eyebrow);
  letter-spacing: .16em; text-transform: uppercase; color: var(--ifp-blue-600);
  display: inline-flex; align-items: center; gap: 12px;
}
.eyebrow::before {
  content: ""; width: 28px; height: 1px; background: currentColor; display: inline-block;
}
.eyebrow .pulse {
  display: inline-block; width: 7px; height: 7px; border-radius: 999px;
  background: var(--ifp-blue-500);
  box-shadow: 0 0 0 0 rgba(59,123,196,.45);
  animation: pulse 2.2s var(--ease-out) infinite;
}
@keyframes pulse {
  0%   { box-shadow: 0 0 0 0 rgba(59,123,196,.45); }
  70%  { box-shadow: 0 0 0 10px rgba(59,123,196,0); }
  100% { box-shadow: 0 0 0 0 rgba(59,123,196,0); }
}

/* ============ Section helpers ============ */
.section { padding-block: 96px; border-top: 1px solid var(--border-1); }
.section.tint { background: var(--ifp-paper); }
.section.deep { background: var(--ifp-navy-900); color: var(--ifp-white); }
.section.deep h2, .section.deep h3 { color: var(--ifp-white); }
.section.deep p { color: var(--ifp-blue-200); }
.section-head {
  max-width: 760px; margin-bottom: 56px;
}
.section-head h2 {
  font-family: var(--ifp-display); font-weight: 500;
  font-size: clamp(36px, 4vw, 52px); line-height: 1.05;
  letter-spacing: -.03em; color: var(--ifp-navy-900);
  margin: 16px 0 0; text-wrap: balance;
}
.section-head .subline {
  font-size: 18px; line-height: 1.5; color: var(--ifp-graphite); margin-top: 18px;
  max-width: 60ch;
}
.section-cta { margin-top: 48px; }

/* Headline w/ blue accent (second part) */
h1 em, h2 em, h3 em { font-style: normal; color: var(--ifp-blue-600); }

/* ============ Hero ============ */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(80% 60% at 90% 0%, rgba(59,123,196,.10), transparent 60%),
    linear-gradient(180deg, var(--ifp-white) 0%, var(--ifp-blue-50) 100%);
  border-bottom: 1px solid var(--border-1);
}
.hero .wrap {
  display: grid; grid-template-columns: 1.25fr 1fr; gap: 64px;
  align-items: center;
  padding-block: 96px 112px;
}
.hero h1 {
  font-family: var(--ifp-display); font-weight: 600;
  font-size: clamp(44px, 5.6vw, 68px); line-height: 1.02; letter-spacing: -.035em;
  color: var(--ifp-navy-900); margin: 18px 0 0;
}
.hero .lead {
  font-size: 18px; max-width: 52ch; color: var(--ifp-graphite); margin-top: 22px;
}
.hero .cta-row { display: flex; gap: 12px; margin-top: 36px; flex-wrap: wrap; }

.hero-art {
  position: relative; aspect-ratio: 4/5; max-width: 440px; width: 100%; justify-self: end;
  border-radius: var(--r-xl); overflow: hidden;
  box-shadow: var(--shadow-3);
  background:
    radial-gradient(80% 60% at 80% 0%, rgba(255,255,255,.18), transparent 60%),
    linear-gradient(180deg, var(--ifp-navy-800), var(--ifp-navy-950));
}
.hero-art .hero-mark { width: 62%; height: 62%; position: absolute; left: 50%; top: 50%;
                       transform: translate(-50%, -50%); object-fit: contain;
                       filter: drop-shadow(0 12px 32px rgba(0,0,0,.25)); }

/* Trust strip below hero */
.trust {
  background: var(--ifp-navy-900); color: var(--ifp-blue-200);
}
.trust .wrap {
  display: flex; gap: 32px; align-items: center; justify-content: center;
  padding-block: 18px; flex-wrap: wrap;
  font-family: var(--ifp-mono); font-size: 10.5px; letter-spacing: .16em;
  text-transform: uppercase;
}
.trust strong { color: var(--ifp-white); font-weight: 500; }
.trust .sep { width: 3px; height: 3px; border-radius: 999px; background: var(--ifp-blue-300); }

/* ============ Cards / Pricing ============ */
.cards-3 {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.card {
  background: var(--ifp-white); border: 1px solid var(--border-1);
  border-radius: var(--r-lg); padding: 32px;
  box-shadow: var(--shadow-1);
  display: flex; flex-direction: column; gap: 12px;
  transition: border-color var(--t-base) var(--ease-out),
              transform var(--t-base) var(--ease-out),
              box-shadow var(--t-base) var(--ease-out);
}
.card:hover { border-color: var(--ifp-blue-300); transform: translateY(-2px); box-shadow: var(--shadow-2); }
.card .k {
  font-family: var(--ifp-mono); font-size: 10px; letter-spacing: .18em;
  text-transform: uppercase; color: var(--ifp-blue-600);
}
.card h3 {
  font-family: var(--ifp-display); font-weight: 500; font-size: 22px;
  color: var(--ifp-navy-900); letter-spacing: -.015em; margin-top: 4px;
}
.card .price {
  font-family: var(--ifp-display); font-weight: 600; font-size: 28px;
  color: var(--ifp-navy-900); letter-spacing: -.02em; margin-top: 8px;
}
.card .price .unit {
  font-family: var(--ifp-mono); font-size: 11px; font-weight: 400;
  letter-spacing: .12em; text-transform: uppercase; color: var(--ifp-slate);
  margin-left: 4px;
}
.card p { color: var(--ifp-graphite); font-size: 15px; line-height: 1.55; }
.card .card-cta { margin-top: auto; padding-top: 18px; }
.card .card-cta a {
  font-family: var(--ifp-body); font-size: 14px; font-weight: 600;
  color: var(--ifp-blue-600); text-decoration: none;
  display: inline-flex; align-items: center; gap: 6px;
}
.card .card-cta a:hover { color: var(--ifp-navy-900); }
.card .card-cta a .arrow { width: 12px; height: 12px; }

/* Benefit tiles (Why APPN) */
.benefits {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px;
}
.benefit {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.10);
  border-radius: var(--r-md);
  padding: 24px;
  display: flex; flex-direction: column; gap: 10px;
}
.benefit .badge {
  font-family: var(--ifp-mono); font-size: 11px; letter-spacing: .16em;
  text-transform: uppercase; color: var(--ifp-blue-300);
  display: inline-flex; align-items: center; gap: 8px;
}
.benefit .badge::before {
  content: ""; width: 18px; height: 1px; background: currentColor; display: inline-block;
}
.benefit h4 {
  font-family: var(--ifp-display); font-weight: 500; font-size: 18px;
  color: var(--ifp-white); letter-spacing: -.01em; line-height: 1.25;
}
.benefit p { font-size: 14px; line-height: 1.5; color: var(--ifp-blue-200); }

.underwriters {
  margin-top: 56px; padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,.10);
  display: flex; gap: 36px; align-items: center; justify-content: center; flex-wrap: wrap;
  font-family: var(--ifp-mono); font-size: 11px; letter-spacing: .18em;
  text-transform: uppercase; color: var(--ifp-blue-300);
}
.underwriters .label { color: var(--ifp-blue-200); }
.underwriters .name { color: var(--ifp-white); font-weight: 500; letter-spacing: .14em; }

/* ============ Coverage blocks (What's covered) ============ */
.coverage {
  display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 24px;
  margin-bottom: 48px;
}
.coverage .block {
  background: var(--ifp-white); border: 1px solid var(--border-1);
  border-radius: var(--r-lg); padding: 32px;
  display: flex; flex-direction: column; gap: 14px;
}
.coverage .block .k {
  font-family: var(--ifp-mono); font-size: 10px; letter-spacing: .18em;
  text-transform: uppercase; color: var(--ifp-blue-600);
}
.coverage .block h3 {
  font-family: var(--ifp-display); font-weight: 500; font-size: 20px;
  color: var(--ifp-navy-900);
}
.coverage .block ul { margin: 0; padding-left: 18px; }
.coverage .block li { font-size: 14px; color: var(--ifp-graphite); line-height: 1.55; margin-block: 4px; }

.example-table {
  background: var(--ifp-white); border: 1px solid var(--border-1);
  border-radius: var(--r-lg); padding: 32px; box-shadow: var(--shadow-1);
}
.example-table h3 {
  font-family: var(--ifp-display); font-weight: 500; font-size: 20px;
  color: var(--ifp-navy-900); margin-bottom: 18px;
}
.example-table table { width: 100%; border-collapse: collapse; }
.example-table th, .example-table td {
  text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--border-1);
  font-size: 14px;
}
.example-table th {
  font-family: var(--ifp-mono); font-size: 10px; letter-spacing: .16em;
  text-transform: uppercase; color: var(--ifp-slate); font-weight: 500;
}
.example-table td:first-child { font-family: var(--ifp-body); color: var(--ifp-graphite); }
.example-table td:not(:first-child) { font-variant-numeric: tabular-nums; color: var(--ifp-navy-900); font-weight: 500; }
.example-table tr.total td { background: var(--ifp-blue-50); font-weight: 600; }
.example-table tr.total td:first-child { color: var(--ifp-navy-900); }
.example-table .note {
  font-size: 13px; color: var(--ifp-slate); margin-top: 16px; line-height: 1.55;
}

/* ============ How to apply (steps) ============ */
.steps {
  display: grid; grid-template-columns: repeat(7, 1fr); gap: 12px;
  margin-bottom: 64px;
}
.step {
  background: var(--ifp-white); border: 1px solid var(--border-1);
  border-radius: var(--r-md); padding: 20px;
  display: flex; flex-direction: column; gap: 10px;
}
.step .num {
  font-family: var(--ifp-mono); font-size: 12px; font-weight: 500;
  color: var(--ifp-blue-600); letter-spacing: .08em;
}
.step h4 {
  font-family: var(--ifp-display); font-weight: 500; font-size: 16px;
  color: var(--ifp-navy-900); line-height: 1.2;
}
.step p { font-size: 13px; color: var(--ifp-graphite); line-height: 1.5; }

.requirements {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px;
}
.requirement {
  background: var(--ifp-white); border: 1px solid var(--border-1);
  border-radius: var(--r-md); padding: 22px;
}
.requirement .k {
  font-family: var(--ifp-mono); font-size: 10px; letter-spacing: .18em;
  text-transform: uppercase; color: var(--ifp-blue-600);
}
.requirement h4 {
  font-family: var(--ifp-display); font-weight: 500; font-size: 17px;
  color: var(--ifp-navy-900); margin-top: 6px;
}
.requirement p { font-size: 13px; color: var(--ifp-graphite); line-height: 1.5; margin-top: 6px; }

/* ============ Contact / Application form section ============ */
.contact { background: var(--ifp-paper); border-top: 1px solid var(--border-1); }
.contact .wrap {
  display: grid; grid-template-columns: 1fr 1.15fr; gap: 64px;
  padding-block: 96px;
  align-items: start;
}
.contact .intro h2 {
  font-family: var(--ifp-display); font-weight: 500;
  font-size: clamp(36px, 4vw, 48px); line-height: 1.05;
  letter-spacing: -.03em; color: var(--ifp-navy-900);
  margin: 16px 0 0; text-wrap: balance;
}
.contact .intro .subline {
  font-family: var(--ifp-display); font-weight: 400;
  font-size: 22px; line-height: 1.3; color: var(--ifp-blue-600);
  margin-top: 10px; letter-spacing: -.015em;
}
.contact .intro p {
  color: var(--ifp-graphite); font-size: 16px; line-height: 1.6;
  max-width: 44ch; margin-top: 24px;
}

.form-card {
  background: var(--ifp-white);
  border: 1px solid var(--border-1);
  border-radius: var(--r-lg);
  padding: 36px;
  box-shadow: var(--shadow-1);
  position: relative;
}
.form-card .form-head {
  display: flex; justify-content: space-between; align-items: baseline;
  padding-bottom: 22px; margin-bottom: 28px;
  border-bottom: 1px solid var(--border-1);
}
.form-card .form-head h3 {
  font-family: var(--ifp-display); font-weight: 500; font-size: 22px;
  color: var(--ifp-navy-900); letter-spacing: -.02em;
}
.form-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 18px 20px;
}
.field { display: flex; flex-direction: column; gap: 8px; }
.field.full { grid-column: 1 / -1; }
.field label {
  font-family: var(--ifp-body); font-size: 12px; font-weight: 600;
  color: var(--ifp-graphite); text-transform: uppercase; letter-spacing: .08em;
  display: flex; align-items: center; gap: 6px;
}
.field label .req { color: var(--ifp-blue-500); font-weight: 500; }
.input {
  width: 100%; font-family: var(--ifp-body); font-size: 15px;
  padding: 13px 14px; border: 1px solid var(--border-1);
  background: var(--ifp-white); border-radius: var(--r-md);
  color: var(--ifp-ink); outline: none;
  transition: border-color var(--t-fast) var(--ease-out),
              box-shadow var(--t-fast) var(--ease-out);
}
.input:hover { border-color: var(--ifp-mist); }
.input:focus { border-color: var(--ifp-blue-500); box-shadow: var(--focus-ring); }
.input::placeholder { color: var(--ifp-mist); }
textarea.input { resize: vertical; min-height: 140px; line-height: 1.5; }

.consent {
  display: flex; gap: 12px; align-items: flex-start; margin-top: 22px;
  font-size: 13px; color: var(--ifp-slate); line-height: 1.5;
}
.consent input { appearance: none; -webkit-appearance: none;
  flex-shrink: 0; width: 18px; height: 18px; border: 1px solid var(--ifp-mist);
  border-radius: var(--r-sm); background: var(--ifp-white);
  display: grid; place-items: center; cursor: pointer;
  transition: all var(--t-fast) var(--ease-out);
}
.consent input:hover { border-color: var(--ifp-navy-700); }
.consent input:checked { background: var(--ifp-navy-900); border-color: var(--ifp-navy-900); }
.consent input:checked::after { content: ""; width: 8px; height: 4px;
  border: 2px solid var(--ifp-white); border-top: 0; border-right: 0;
  transform: translateY(-2px) rotate(-45deg); }
.consent input:focus-visible { outline: none; box-shadow: var(--focus-ring); }
.consent a { color: var(--ifp-navy-900); border-bottom: 1px solid var(--ifp-fog); }
.consent a:hover { color: var(--ifp-blue-600); }

.form-actions {
  display: flex; flex-direction: column; gap: 18px; margin-top: 28px;
}
.form-actions .row1 {
  display: flex; gap: 12px; align-items: center; flex-wrap: wrap;
}
.form-actions .response {
  font-family: var(--ifp-mono); font-size: 10px; letter-spacing: .14em;
  text-transform: uppercase; color: var(--ifp-slate);
  display: inline-flex; align-items: center; gap: 8px;
}
.form-actions .response .dot { width: 6px; height: 6px; border-radius: 999px; background: var(--ifp-success); }

.express {
  margin-top: 8px; padding-top: 22px; border-top: 1px dashed var(--border-1);
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  flex-wrap: wrap;
}
.express .ex-copy { font-size: 13px; color: var(--ifp-slate); }
.express .ex-copy strong { color: var(--ifp-navy-900); font-weight: 600; }

/* Toast */
.toast {
  position: fixed; left: 50%; bottom: 80px; transform: translateX(-50%) translateY(20px);
  background: var(--ifp-navy-900); color: var(--ifp-white);
  padding: 14px 20px; border-radius: var(--r-pill);
  font-size: 14px; font-weight: 500; box-shadow: var(--shadow-3);
  opacity: 0; pointer-events: none;
  transition: opacity var(--t-base) var(--ease-out), transform var(--t-base) var(--ease-out);
  display: inline-flex; align-items: center; gap: 10px;
  z-index: 100;
}
.toast.show { opacity: 1; transform: translateX(-50%) translateY(0); pointer-events: auto; }
.toast .tick { width: 16px; height: 16px; border-radius: 999px; background: var(--ifp-success);
  display: grid; place-items: center; }
.toast .tick::after { content: ""; width: 6px; height: 3px;
  border: 2px solid var(--ifp-white); border-top: 0; border-right: 0;
  transform: translateY(-1px) rotate(-45deg); }

/* ============ FAQ (accordion) ============ */
.faq {
  display: flex; flex-direction: column; gap: 12px;
  max-width: 880px;
}
.faq details {
  background: var(--ifp-white); border: 1px solid var(--border-1);
  border-radius: var(--r-md); overflow: hidden;
  transition: border-color var(--t-fast) var(--ease-out);
}
.faq details:hover { border-color: var(--ifp-blue-300); }
.faq details[open] { border-color: var(--ifp-blue-300); box-shadow: var(--shadow-1); }
.faq summary {
  list-style: none; cursor: pointer; padding: 22px 28px;
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  font-family: var(--ifp-display); font-size: 17px; font-weight: 500;
  color: var(--ifp-navy-900); letter-spacing: -.01em;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; flex-shrink: 0; width: 12px; height: 12px;
  border-right: 1.5px solid var(--ifp-navy-900);
  border-bottom: 1.5px solid var(--ifp-navy-900);
  transform: rotate(45deg); transition: transform var(--t-base) var(--ease-out);
  margin-top: -4px;
}
.faq details[open] summary::after { transform: rotate(-135deg); margin-top: 4px; }
.faq .answer {
  padding: 0 28px 24px; color: var(--ifp-graphite); font-size: 15px; line-height: 1.6;
}

/* ============ Downloads grid ============ */
.downloads {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px;
}
.dl-card {
  background: var(--ifp-white); border: 1px solid var(--border-1);
  border-radius: var(--r-md); padding: 22px;
  display: flex; flex-direction: column; gap: 8px;
  text-decoration: none; color: inherit;
  transition: border-color var(--t-base) var(--ease-out),
              transform var(--t-base) var(--ease-out);
}
.dl-card:hover { border-color: var(--ifp-blue-300); transform: translateY(-2px); }
.dl-card .num {
  font-family: var(--ifp-mono); font-size: 11px; letter-spacing: .18em;
  text-transform: uppercase; color: var(--ifp-blue-600);
}
.dl-card h4 {
  font-family: var(--ifp-display); font-weight: 500; font-size: 17px;
  color: var(--ifp-navy-900); margin-top: 4px;
}
.dl-card p { font-size: 13px; color: var(--ifp-graphite); line-height: 1.5; }
.dl-card .meta {
  margin-top: 14px; padding-top: 14px; border-top: 1px dashed var(--border-1);
  font-family: var(--ifp-mono); font-size: 10px; letter-spacing: .14em;
  text-transform: uppercase; color: var(--ifp-blue-600);
  display: flex; align-items: center; gap: 8px;
}

/* ============ Footer ============ */
.site-footer { background: var(--ifp-navy-950); color: var(--ifp-blue-200); }
.site-footer .wrap { padding-block: 64px 36px; }
.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 56px; align-items: start;
}
.footer-brand .lockup .word { color: var(--ifp-white); }
.footer-brand .lockup .sub  { color: var(--ifp-blue-300); }
.footer-brand p { color: var(--ifp-blue-200); font-size: 13px; line-height: 1.6;
  margin-top: 20px; max-width: 38ch; }
.footer-col h5 {
  font-family: var(--ifp-mono); font-size: 10px; letter-spacing: .16em;
  text-transform: uppercase; color: var(--ifp-white); font-weight: 500;
  margin: 4px 0 18px;
}
.footer-col a {
  display: block; color: var(--ifp-blue-200); font-size: 14px;
  padding: 5px 0; transition: color var(--t-fast) var(--ease-out);
  text-decoration: none;
}
.footer-col a:hover { color: var(--ifp-white); }
.footer-col .addr { color: var(--ifp-blue-200); font-size: 13px; line-height: 1.7; font-style: normal; }
.footer-col .addr strong { color: var(--ifp-white); font-weight: 600; display: block; margin-bottom: 6px;
  font-family: var(--ifp-body); font-size: 13px; letter-spacing: 0; text-transform: none; }
.footer-bottom {
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  margin-top: 56px; padding-top: 24px; border-top: 1px solid var(--ifp-navy-800);
  font-family: var(--ifp-mono); font-size: 10px; letter-spacing: .14em;
  text-transform: uppercase; color: var(--ifp-blue-300);
}
.footer-bottom .legal { display: flex; gap: 24px; flex-wrap: wrap; }
.footer-bottom .legal a { color: var(--ifp-blue-300); }
.footer-bottom .legal a:hover { color: var(--ifp-white); }

/* ============ Mobile sticky CTA ============ */
.mobile-cta {
  display: none;
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 35;
  padding: 12px 16px calc(12px + env(safe-area-inset-bottom));
  background: rgba(255,255,255,.96);
  border-top: 1px solid var(--border-1);
  backdrop-filter: saturate(140%) blur(6px);
}
.mobile-cta .btn { width: 100%; padding-block: 14px; }

/* ============ Legal page (article) ============ */
.legal-page { padding-block: 64px 96px; }
.legal-page .wrap { max-width: 820px; }
.legal-page h1 {
  font-family: var(--ifp-display); font-weight: 600;
  font-size: clamp(36px, 4vw, 52px); line-height: 1.05; letter-spacing: -.03em;
  color: var(--ifp-navy-900); margin: 24px 0 0;
}
.legal-page h2 {
  font-family: var(--ifp-display); font-weight: 500; font-size: 22px;
  color: var(--ifp-navy-900); margin: 40px 0 12px;
}
.legal-page p, .legal-page li {
  font-size: 15px; line-height: 1.7; color: var(--ifp-graphite); margin: 12px 0;
}
.legal-page strong { color: var(--ifp-navy-900); }
.legal-page a { color: var(--ifp-blue-600); }
.legal-page a:hover { color: var(--ifp-navy-900); }
.legal-page address {
  font-style: normal; padding: 20px 24px; background: var(--ifp-paper);
  border-left: 3px solid var(--ifp-blue-500); border-radius: var(--r-sm);
  margin: 16px 0;
}

/* ============ Responsive ============ */
@media (max-width: 1100px) {
  .cards-3 { grid-template-columns: repeat(2, 1fr); }
  .benefits { grid-template-columns: repeat(2, 1fr); }
  .coverage { grid-template-columns: 1fr; }
  .steps { grid-template-columns: repeat(4, 1fr); }
  .requirements { grid-template-columns: repeat(2, 1fr); }
  .downloads { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 960px) {
  .wrap { padding-inline: 28px; }
  .nav { display: none; }
  .burger { display: inline-flex; }
  .hero .wrap { grid-template-columns: 1fr; gap: 48px; padding-block: 48px 64px; }
  .hero-art { justify-self: start; max-width: 360px; }
  .trust .wrap { padding-block: 14px; gap: 14px; font-size: 9.5px; }
  .contact .wrap { grid-template-columns: 1fr; gap: 48px; padding-block: 64px; }
  .form-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 40px; }
  .section { padding-block: 64px; }
  .section-head { margin-bottom: 36px; }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .mobile-cta { display: block; }
  body { padding-bottom: 76px; }
  .toast { bottom: 96px; }
}
@media (max-width: 600px) {
  .cards-3 { grid-template-columns: 1fr; }
  .benefits { grid-template-columns: 1fr; }
  .requirements { grid-template-columns: 1fr; }
  .downloads { grid-template-columns: 1fr; }
  .site-header .bar { padding-block: 14px; }
  .lockup .word { font-size: 19px; }
  .form-card { padding: 24px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .example-table { padding: 22px; }
  .example-table th, .example-table td { padding: 10px 8px; font-size: 12.5px; }
}