/* ============================================================
   UCLS — Universal Component Lender Services
   Navy & Gold institutional design system
   ============================================================ */

:root {
  --navy-deep: #0e1637;
  --navy: #1b2564;
  --navy-mid: #26327e;
  --gold: #c39b4a;
  --gold-light: #d8b876;
  --gold-dark: #a37f35;
  --cream: #f7f5f0;
  --white: #ffffff;
  --ink: #23283b;
  --ink-soft: #565d75;
  --line: #e4e1d8;
  --serif: 'Cormorant Garamond', Georgia, serif;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  /* Shared type scale — every content card uses these so titles and body
     copy stay consistent across sections. */
  --card-title: 22px;
  --card-body: 14.5px;
  --shadow: 0 10px 40px rgba(14, 22, 55, 0.10);
  --shadow-lg: 0 20px 60px rgba(14, 22, 55, 0.16);
}

* { margin: 0; padding: 0; box-sizing: border-box; }

/* Form controls don't inherit type by default — keep them on the site font. */
button, input, select, textarea { font-family: inherit; }

html { scroll-behavior: smooth; scroll-padding-top: 96px; }

body {
  font-family: var(--sans);
  color: var(--ink);
  background: var(--white);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
}

.container { max-width: 1180px; margin: 0 auto; padding: 0 28px; }

h1, h2, h3 { font-family: var(--serif); color: var(--navy); font-weight: 600; line-height: 1.15; }
h1 em, h2 em { font-style: italic; color: var(--gold-dark); }

a { color: inherit; text-decoration: none; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-block;
  padding: 15px 32px;
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  border-radius: 2px;
  transition: all 0.25s ease;
  cursor: pointer;
  border: 1px solid transparent;
}
.btn-gold { background: var(--gold); color: var(--navy-deep); }
.btn-gold:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(195, 155, 74, 0.35); }
.btn-outline { border-color: rgba(255, 255, 255, 0.45); color: var(--white); }
.btn-outline:hover { border-color: var(--gold); color: var(--gold-light); }
.btn-outline-gold { border-color: var(--gold); color: var(--gold-light); }
.btn-outline-gold:hover { background: var(--gold); color: var(--navy-deep); }
.btn-full { width: 100%; }

/* ---------- Eyebrows ---------- */
.eyebrow {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 16px;
}
.eyebrow-gold { color: var(--gold-light); }

/* ---------- Nav ---------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--white);
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.3s ease;
}
.nav.scrolled { box-shadow: var(--shadow); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 84px; }
.nav-logo img { height: 42px; width: auto; display: block; }
.nav-links { display: flex; align-items: center; gap: 28px; }
.nav-links a {
  font-size: 13.5px;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: 0.02em;
  position: relative;
  padding: 6px 0;
}
.nav-links a:not(.nav-cta)::after {
  content: '';
  position: absolute;
  left: 0; bottom: 0;
  width: 0; height: 2px;
  background: var(--gold);
  transition: width 0.25s ease;
}
.nav-links a:not(.nav-cta):hover::after { width: 100%; }
.nav-cta {
  background: var(--navy);
  color: var(--white) !important;
  padding: 11px 22px !important;
  border-radius: 2px;
  font-weight: 600 !important;
  transition: background 0.25s ease;
}
.nav-cta:hover { background: var(--navy-mid); }
.nav-toggle { display: none; background: none; border: none; flex-direction: column; gap: 5px; padding: 8px; cursor: pointer; }
.nav-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); transition: 0.3s; }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background: linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 55%, var(--navy-mid) 100%);
  color: var(--white);
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  background-image:
    radial-gradient(ellipse 800px 500px at 85% 15%, rgba(195, 155, 74, 0.13), transparent 60%),
    radial-gradient(ellipse 600px 400px at 10% 90%, rgba(195, 155, 74, 0.07), transparent 60%),
    repeating-linear-gradient(115deg, transparent 0px, transparent 79px, rgba(255,255,255,0.025) 79px, rgba(255,255,255,0.025) 80px);
}
.hero-inner { position: relative; padding: 110px 28px 90px; max-width: 900px; }
.hero h1 {
  color: var(--white);
  font-size: clamp(40px, 6vw, 68px);
  font-weight: 600;
  margin-bottom: 26px;
}
.hero h1 em { color: var(--gold-light); }
.hero-sub {
  font-size: 18.5px;
  font-weight: 300;
  color: rgba(255, 255, 255, 0.82);
  max-width: 680px;
  margin-bottom: 38px;
  line-height: 1.75;
}
.hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 46px; }
.hero-chips { display: flex; gap: 12px; flex-wrap: wrap; }
.hero-chips span {
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.7);
  border: 1px solid rgba(255, 255, 255, 0.18);
  padding: 8px 16px;
  border-radius: 100px;
}

/* ---------- Stats ---------- */
.stats { background: var(--navy-deep); border-top: 1px solid rgba(255, 255, 255, 0.08); }
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  padding-top: 48px;
  padding-bottom: 48px;
}
.stat { text-align: center; }
.stat-num {
  font-family: var(--serif);
  font-size: 52px;
  font-weight: 600;
  color: var(--gold-light);
  line-height: 1;
  margin-bottom: 10px;
}
.stat-label {
  font-size: 12.5px;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.65);
  max-width: 220px;
  margin: 0 auto;
}

/* ---------- Sections ---------- */
.section { padding: 100px 0; }
.section-alt { background: var(--cream); }
.section-dark { background: linear-gradient(165deg, var(--navy-deep) 0%, var(--navy) 100%); }
.section-head { max-width: 760px; margin-bottom: 56px; }
.section-head h2 { font-size: clamp(32px, 4.2vw, 46px); margin-bottom: 18px; }
.section-head h2.light, h2.light { color: var(--white); }
.section-sub { font-size: 17px; color: var(--ink-soft); }
.section-sub.light { color: rgba(255, 255, 255, 0.72); }
.lead { font-size: 18px; line-height: 1.75; color: var(--ink); }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 64px; align-items: start; }
.about-copy p { margin-bottom: 20px; color: var(--ink-soft); font-size: 18px; line-height: 1.75; }
.about-copy p.lead { color: var(--ink); }
.about-pillars { display: flex; flex-direction: column; gap: 20px; }
.pillar {
  background: var(--cream);
  border-left: 3px solid var(--gold);
  padding: 26px 30px;
}
.pillar h3 { font-size: var(--card-title); margin-bottom: 8px; }
.pillar p { font-size: var(--card-body); color: var(--ink-soft); }

/* ---------- Clients ---------- */
.clients-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 22px; }
.client-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-top: 3px solid var(--navy);
  padding: 34px 30px;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}
.client-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-top-color: var(--gold); }
.client-card h3 { font-size: var(--card-title); margin-bottom: 10px; }
.client-card p { font-size: var(--card-body); color: var(--ink-soft); }

/* ---------- Services ---------- */
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(270px, 1fr)); gap: 22px; }
.service-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 34px 30px 30px;
  position: relative;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.35s ease;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.service-card:hover::before { transform: scaleX(1); }
.service-num {
  font-family: var(--serif);
  font-size: 15px;
  font-weight: 600;
  color: var(--gold-dark);
  letter-spacing: 0.1em;
  margin-bottom: 14px;
}
.service-card h3 { font-size: var(--card-title); margin-bottom: 10px; }
.service-card p { font-size: var(--card-body); color: var(--ink-soft); }

.specialty-strip {
  margin-top: 56px;
  background: var(--navy);
  padding: 44px 46px;
  border-radius: 2px;
}
.specialty-head {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 28px;
}
.specialty-items { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 32px; }
.specialty h4 { font-family: var(--serif); font-size: var(--card-title); color: var(--white); font-weight: 600; margin-bottom: 8px; }
.specialty p { font-size: var(--card-body); color: rgba(255, 255, 255, 0.68); }

/* ---------- Oversight ---------- */
.oversight-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 22px; margin-bottom: 56px; }
.oversight-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.12);
  padding: 30px 28px;
  transition: background 0.3s ease, border-color 0.3s ease;
}
.oversight-card:hover { background: rgba(255, 255, 255, 0.09); border-color: rgba(195, 155, 74, 0.5); }
.oversight-card h3 { color: var(--gold-light); font-size: var(--card-title); margin-bottom: 10px; }
.oversight-card p { font-size: var(--card-body); color: rgba(255, 255, 255, 0.72); }
.oversight-process { display: grid; grid-template-columns: repeat(3, 1fr); gap: 36px; }
.op-step { display: flex; gap: 18px; align-items: flex-start; }
.op-num {
  flex-shrink: 0;
  width: 44px; height: 44px;
  border: 1px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-size: 20px;
  color: var(--gold-light);
}
.op-step strong { display: block; color: var(--white); font-size: 15.5px; margin-bottom: 6px; }
.op-step span { font-size: var(--card-body); color: rgba(255, 255, 255, 0.65); line-height: 1.6; }

/* ---------- Process ---------- */
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; margin-bottom: 72px; }
.process-step {
  background: var(--cream);
  padding: 36px 28px;
  position: relative;
  border-bottom: 3px solid var(--navy);
  transition: border-color 0.3s ease, transform 0.3s ease;
}
.process-step:hover { border-bottom-color: var(--gold); transform: translateY(-4px); }
.process-marker {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--white);
  background: var(--navy);
  padding: 6px 14px;
  border-radius: 2px;
  margin-bottom: 20px;
}
.process-step h3 { font-size: var(--card-title); margin-bottom: 10px; }
.process-step p { font-size: var(--card-body); color: var(--ink-soft); }

.engage-block { background: var(--white); border: 1px solid var(--line); padding: 56px 52px; box-shadow: var(--shadow); }
.engage-title { font-size: 32px; margin-bottom: 10px; }
.engage-sub { color: var(--ink-soft); max-width: 640px; margin-bottom: 36px; }
.engage-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.engage-card { border-top: 2px solid var(--gold); padding-top: 20px; }
.engage-card h4 { font-family: var(--serif); font-size: var(--card-title); color: var(--navy); font-weight: 600; margin-bottom: 8px; }
.engage-card p { font-size: var(--card-body); color: var(--ink-soft); }

/* ---------- Technology ---------- */
.tech-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 22px; }
.tech-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 36px 30px;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.tech-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.tech-card h3 { font-size: var(--card-title); margin-bottom: 4px; }
.tech-tag {
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 14px;
}
.tech-card p:not(.tech-tag) { font-size: var(--card-body); color: var(--ink-soft); }

/* ---------- Compliance ---------- */
.compliance-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 64px; align-items: start; }
.compliance-copy h2 { font-size: clamp(32px, 4vw, 44px); margin-bottom: 20px; }
.compliance-copy > p { color: var(--ink-soft); margin-bottom: 26px; }
.compliance-list { list-style: none; }
.compliance-list li {
  position: relative;
  padding-left: 30px;
  margin-bottom: 14px;
  font-size: 15px;
  color: var(--ink);
}
.compliance-list li::before {
  content: '';
  position: absolute;
  left: 0; top: 8px;
  width: 14px; height: 2px;
  background: var(--gold);
}
.compliance-licenses-link { margin-top: 24px; }
.compliance-licenses-link a {
  font-size: 14px;
  font-weight: 600;
  color: var(--gold-dark);
  letter-spacing: 0.03em;
  border-bottom: 1px solid var(--gold);
  padding-bottom: 2px;
  transition: color 0.2s ease;
}
.compliance-licenses-link a:hover { color: var(--navy); }
/* Drop the badge panel below the section title in the 2-column layout.
   Only applies above 1024px, where the grid is side-by-side. */
@media (min-width: 1025px) {
  .compliance-badges { margin-top: 116px; }
}
.badge-panel {
  background: var(--navy-deep);
  padding: 40px 38px;
  border-radius: 2px;
}
.badge-panel h4 {
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 14px;
}
.badge-panel h4:not(:first-child) { margin-top: 28px; }
.badges { display: flex; flex-wrap: wrap; gap: 8px; }
.badges span {
  font-size: 12.5px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.85);
  border: 1px solid rgba(255, 255, 255, 0.22);
  padding: 7px 14px;
  border-radius: 100px;
}

/* ---------- Team ---------- */
.team-group { margin-bottom: 56px; }
.team-group:last-of-type { margin-bottom: 0; }
.team-group-label {
  display: flex;
  align-items: center;
  gap: 18px;
  font-size: 26px;
  margin-bottom: 28px;
}
.team-group-label::after {
  content: '';
  flex: 1;
  height: 1px;
  background: linear-gradient(90deg, var(--gold), transparent);
}
.team-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 26px; }
.team-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 36px 28px;
  text-align: center;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.team-photo {
  width: 120px; height: 120px;
  border-radius: 50%;
  margin: 0 auto 20px;
  overflow: hidden;
  border: 3px solid var(--gold);
}
.team-photo img { width: 100%; height: 100%; object-fit: cover; }
.team-initials {
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--navy);
  font-family: var(--serif);
  font-size: 36px;
  font-weight: 600;
  color: var(--gold-light);
}
.team-card h3 { font-size: var(--card-title); margin-bottom: 2px; }
.team-role {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 14px;
}
.team-card > p:last-child { font-size: var(--card-body); color: var(--ink-soft); text-align: left; }
.team-note {
  margin-top: 40px;
  text-align: center;
  font-size: var(--card-body);
  color: var(--ink-soft);
  font-style: italic;
}

/* ---------- Teaser band ---------- */
.resolutions-band {
  background: linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 70%, var(--navy-mid) 100%);
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.resolutions-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 700px 350px at 50% 120%, rgba(195, 155, 74, 0.14), transparent 65%);
}
.resolutions-inner {
  position: relative;
  max-width: 700px;
  text-align: center;
  padding-top: 84px;
  padding-bottom: 84px;
}
.resolutions-inner h2 { font-size: clamp(30px, 4vw, 42px); margin-bottom: 18px; }
.resolutions-inner p:not(.eyebrow) { color: rgba(255, 255, 255, 0.75); font-size: 16px; line-height: 1.8; }
.resolutions-inner strong { color: var(--gold-light); font-family: var(--serif); font-size: 18px; letter-spacing: 0.04em; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.15fr; gap: 64px; align-items: start; }
.contact-copy h2 { font-size: clamp(32px, 4vw, 44px); margin-bottom: 20px; }
.contact-copy .lead { margin-bottom: 36px; color: var(--ink-soft); }
.contact-details { display: flex; flex-direction: column; gap: 28px; }
.contact-item { display: flex; flex-direction: column; gap: 4px; }
.contact-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-dark);
  margin-bottom: 4px;
}
.contact-item a { font-size: 16.5px; color: var(--navy); font-weight: 500; }
.contact-item a:hover { color: var(--gold-dark); }
.contact-item span:not(.contact-label) { font-size: 15px; color: var(--ink-soft); }

.contact-form {
  background: var(--cream);
  padding: 44px 40px;
  border: 1px solid var(--line);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-field { margin-bottom: 18px; display: flex; flex-direction: column; }
.form-field label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 7px;
}
.form-field input,
.form-field select,
.form-field textarea {
  font-family: var(--sans);
  font-size: 15px;
  padding: 13px 15px;
  border: 1px solid var(--line);
  background: var(--white);
  color: var(--ink);
  border-radius: 2px;
  transition: border-color 0.25s ease;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus { outline: none; border-color: var(--gold); }

/* ---------- Footer ---------- */
.footer { background: var(--navy-deep); color: rgba(255, 255, 255, 0.7); }
.footer-inner {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 48px;
  padding-top: 70px;
  padding-bottom: 50px;
}
.footer-logo {
  height: 48px;
  width: auto;
  background: var(--white);
  padding: 9px 14px;
  border-radius: 3px;
  margin-bottom: 18px;
}
.footer-brand p { font-size: 13.5px; line-height: 1.7; max-width: 320px; }
.footer-col h4 {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 18px;
}
.footer-col a { display: block; font-size: 14px; margin-bottom: 11px; color: rgba(255, 255, 255, 0.7); transition: color 0.2s ease; }
.footer-col a:hover { color: var(--gold-light); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 26px;
  padding-bottom: 30px;
  font-size: 12.5px;
  color: rgba(255, 255, 255, 0.45);
}

/* ---------- FAQ ---------- */
.faq-head { text-align: center; }
.faq-head .eyebrow { margin-bottom: 8px; }
.faq-head h2 { margin-bottom: 48px; }
.faq-list {
  max-width: 780px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.faq-item {
  background: var(--white);
  border: 1px solid var(--line);
  overflow: hidden;
}
.faq-item summary {
  padding: 22px 28px;
  font-family: var(--sans);
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  transition: color 0.2s ease;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { color: var(--gold-dark); }
.faq-toggle {
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--cream);
  border: 1px solid var(--line);
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  line-height: 1;
  color: var(--gold-dark);
  font-weight: 400;
  transition: transform 0.25s ease;
}
.faq-item[open] .faq-toggle { transform: rotate(45deg); }
.faq-answer {
  padding: 0 28px 22px;
  font-size: var(--card-body);
  color: var(--ink-soft);
}

/* ---------- Licenses page ---------- */
.page-hero {
  background: linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 65%, var(--navy-mid) 100%);
  color: var(--white);
  padding: 72px 0 64px;
}
.page-hero h1 { color: var(--white); font-size: clamp(36px, 5vw, 54px); margin-bottom: 16px; }
.page-hero h1 em { color: var(--gold-light); }
.page-hero-sub { color: rgba(255, 255, 255, 0.78); font-size: 17px; max-width: 560px; margin-bottom: 24px; }
.nmls-chip {
  display: inline-block;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-light);
  border: 1px solid var(--gold);
  padding: 9px 20px;
  border-radius: 100px;
}
.license-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-bottom: 48px;
}
.license-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-left: 3px solid var(--gold);
  padding: 22px 24px;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.license-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.license-card h3 { font-size: var(--card-title); margin-bottom: 2px; }
.license-card p { font-size: var(--card-body); color: var(--ink-soft); margin-bottom: 6px; }
.license-card span { font-size: 13px; font-weight: 600; color: var(--gold-dark); letter-spacing: 0.04em; }
.license-disclaimer {
  background: var(--cream);
  border: 1px solid var(--line);
  padding: 28px 32px;
  font-size: 13px;
  color: var(--ink-soft);
  line-height: 1.7;
}
.license-disclaimer p { margin-bottom: 12px; }
.license-disclaimer p:last-child { margin-bottom: 0; }
.license-disclaimer a { color: var(--navy); font-weight: 600; text-decoration: underline; }
@media (max-width: 1024px) { .license-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .license-grid { grid-template-columns: 1fr; } }

/* ---------- Reveal animations (progressive enhancement: only hidden when JS is active) ---------- */
html.js .reveal {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
html.js .reveal.visible { opacity: 1; transform: translateY(0); }
@media (prefers-reduced-motion: reduce) {
  html.js .reveal { opacity: 1; transform: none; transition: none; }
  html { scroll-behavior: auto; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .about-grid, .compliance-grid, .contact-grid { grid-template-columns: 1fr; gap: 44px; }
  .process-grid, .engage-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 36px; }
  .oversight-process { grid-template-columns: 1fr; gap: 24px; }
  .resolutions-inner { grid-template-columns: 1fr; gap: 40px; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 980px) {
  .nav-toggle { display: flex; }
  .nav-links {
    position: absolute;
    top: 84px;
    left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 12px 28px 24px;
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow);
    display: none;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 13px 0; border-bottom: 1px solid var(--line); }
  .nav-links a:not(.nav-cta)::after { display: none; }
  .nav-links a:last-child { border-bottom: none; margin-top: 12px; text-align: center; }
}

@media (max-width: 760px) {
  .hero-inner { padding: 70px 28px 60px; }
  .section { padding: 64px 0; }
  .process-grid, .engage-grid { grid-template-columns: 1fr; }
  .engage-block { padding: 36px 28px; }
  .specialty-strip { padding: 32px 28px; }
  .form-row { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
}