/* FinEx Tax Advisor — design system */
:root{
  --navy:#0b1f3a;--navy-2:#102a4c;--navy-3:#1a3a66;--ink:#16202e;--muted:#5a6577;--line:#e3e6ec;--soft:#f5f6f8;--cream:#fbf8f1;
  --gold:#d99a0b;--gold-2:#f2c14e;--gold-ink:#8a6206;--ok:#13795b;--warn:#b54708;--err:#b42318;
  --r:14px;--r-lg:22px;--max:1200px;--shadow:0 18px 50px rgba(11,31,58,.10);--shadow-sm:0 4px 14px rgba(11,31,58,.06);
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;
  --sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font:400 17px/1.7 var(--sans);color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg,video,iframe{max-width:100%;display:block}
a{color:var(--navy-3)}
h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);line-height:1.15;margin:0 0 .55em;letter-spacing:-.01em;font-weight:700}
h1{font-size:clamp(2.2rem,5.2vw,4.2rem)}
h2{font-size:clamp(1.75rem,3.4vw,2.75rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
.narrow{max-width:820px}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:8px 14px;z-index:999}
.skip:focus{left:10px}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font:700 .76rem/1 var(--sans);letter-spacing:.18em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:18px}
.eyebrow::before{content:"";width:28px;height:2px;background:var(--gold)}
.on-dark .eyebrow{color:var(--gold-2)}
.gold{color:var(--gold)}
.muted{color:var(--muted)}
.center{text-align:center}
.hidden{display:none!important}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 26px;border-radius:999px;font:600 1rem/1 var(--sans);text-decoration:none;border:2px solid transparent;cursor:pointer;transition:background .18s,transform .18s,box-shadow .18s;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-2);box-shadow:0 8px 24px rgba(217,154,11,.35)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-3)}
.btn-line{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-line:hover{background:var(--navy);color:#fff}
.btn-ghost{border-color:rgba(255,255,255,.45);color:#fff;background:transparent}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-sm{padding:9px 16px;font-size:.9rem}
.btn[disabled]{opacity:.6;cursor:not-allowed}
.link{font-weight:600;color:var(--navy);text-decoration:none;display:inline-flex;align-items:center;gap:6px}
.link:hover{color:var(--gold-ink)}
.link svg{width:18px;height:18px;transition:transform .2s}
.link:hover svg{transform:translateX(3px)}

/* top bar + header */
.topbar{background:var(--navy);color:#c8d2e2;font-size:.84rem}
.topbar .container{display:flex;justify-content:space-between;gap:16px;height:38px;align-items:center}
.topbar a{color:#e8edf5;text-decoration:none}
.topbar .tb-right{display:flex;gap:20px}
.site-header{position:sticky;top:0;z-index:80;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.5) blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:80px;gap:20px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex:none}
.brand img{width:54px;height:54px}
.brand-text{font-family:var(--serif);font-weight:700;font-size:1.32rem;color:var(--navy);line-height:1}
.brand-text small{display:block;font:600 .6rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-top:6px}
.menu{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
.menu>li>a,.menu>li>button{white-space:nowrap;display:flex;align-items:center;gap:6px;padding:10px 14px;border-radius:10px;font:500 .98rem/1 var(--sans);color:var(--ink);text-decoration:none;background:none;border:0;cursor:pointer}
.menu>li>a:hover,.menu>li>button:hover,.menu>li>a[aria-current=page]{background:var(--soft);color:var(--navy)}
.caret{width:10px;height:10px;transition:transform .2s}
.mega{position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);box-shadow:0 30px 60px rgba(11,31,58,.12);opacity:0;visibility:hidden;transform:translateY(8px);transition:.2s}
.has-mega:hover .mega,.has-mega:focus-within .mega,.has-mega.open .mega{opacity:1;visibility:visible;transform:none}
.has-mega:hover .caret{transform:rotate(180deg)}
.mega-inner{display:grid;grid-template-columns:1.1fr 2fr;gap:40px;padding:36px 24px 40px}
.mega-feature{background:linear-gradient(150deg,var(--navy),var(--navy-3));color:#d8e0ec;border-radius:var(--r-lg);padding:28px}
.mega-feature h3{color:#fff;font-size:1.35rem}
.mega-cols{display:grid;grid-template-columns:1fr 1fr;gap:6px 28px;align-content:start}
.mega-cols h4{grid-column:1/-1;font:700 .74rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin:6px 0 8px}
.mega-cols a{display:flex;gap:12px;padding:10px;border-radius:10px;text-decoration:none;color:var(--ink)}
.mega-cols a:hover{background:var(--soft)}
.mega-cols a b{display:block;font-weight:600;color:var(--navy);font-size:.96rem}
.mega-cols a span{font-size:.84rem;color:var(--muted);line-height:1.45}
.mi{flex:none;width:36px;height:36px;border-radius:10px;background:#fff4da;color:var(--gold-ink);display:grid;place-items:center}
.mi svg{width:20px;height:20px}
.nav-cta{display:flex;align-items:center;gap:10px}
.acct-link{white-space:nowrap;font-weight:600;color:var(--navy);text-decoration:none;padding:10px 12px;border-radius:10px}
.acct-link:hover{background:var(--soft)}
.burger{display:none;background:none;border:0;width:46px;height:46px;cursor:pointer;color:var(--navy);border-radius:10px}

/* hero */
.hero{position:relative;color:#d6deea;background:var(--navy);overflow:hidden;isolation:isolate}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(900px 520px at 88% 8%,rgba(242,193,78,.22),transparent 60%),radial-gradient(700px 500px at 0% 100%,rgba(26,58,102,.9),transparent 70%);z-index:-1}
.hero-lines{position:absolute;inset:0;z-index:-1;opacity:.5;background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:56px 56px;mask-image:radial-gradient(ellipse at 70% 30%,#000 20%,transparent 75%)}
.hero h1{color:#fff;max-width:15ch}
.hero .lead{font-size:1.18rem;color:#c3cede;max-width:58ch}
.hero-grid{display:grid;grid-template-columns:1.25fr .85fr;gap:56px;align-items:center;padding:110px 0 120px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px}
.seal-wrap{position:relative;justify-self:center;width:min(380px,90%)}
.seal-wrap img{width:100%;filter:drop-shadow(0 30px 60px rgba(0,0,0,.45));animation:float 9s ease-in-out infinite}
.seal-ring{position:absolute;inset:-18px;border:1px dashed rgba(242,193,78,.35);border-radius:50%;animation:spin 60s linear infinite}
@keyframes float{50%{transform:translateY(-10px)}}
@keyframes spin{to{transform:rotate(360deg)}}
.trustbar{border-top:1px solid rgba(255,255,255,.1)}
.trustbar .container{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:28px 24px}
.trustbar b{display:block;font-family:var(--serif);font-size:1.7rem;color:var(--gold-2);line-height:1.1}
.trustbar span{font-size:.9rem;color:#aebbd0}
.page-hero .hero-grid{grid-template-columns:1fr;padding:84px 0 88px}
.page-hero h1{max-width:22ch;font-size:clamp(2rem,4.4vw,3.4rem)}
.crumbs{font-size:.86rem;color:#9fb0c8;margin-bottom:18px}
.crumbs a{color:#dbe3ee;text-decoration:none}
.crumbs a:hover{color:var(--gold-2)}

/* sections */
section{padding:104px 0}
.sec-soft{background:var(--soft)}
.sec-cream{background:var(--cream)}
.sec-navy{background:var(--navy);color:#cdd6e4}
.sec-navy h2,.sec-navy h3{color:#fff}
.sec-head{max-width:760px;margin-bottom:56px}
.sec-head.center{margin-left:auto;margin-right:auto}
.sec-head p{font-size:1.08rem;color:var(--muted)}
.sec-navy .sec-head p{color:#aebbd0}
.grid{display:grid;gap:26px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
.split.top{align-items:start}
.card{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:32px;display:flex;flex-direction:column;transition:transform .25s,box-shadow .25s,border-color .25s;text-decoration:none;color:var(--ink)}
a.card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:#d3d9e2}
.card p{color:var(--muted);flex:1}
.card .ic{width:56px;height:56px;border-radius:14px;background:#fff4da;color:var(--gold-ink);display:grid;place-items:center;margin-bottom:22px}
.card .ic svg{width:28px;height:28px}
.card-feature{background:linear-gradient(160deg,var(--navy),var(--navy-3));color:#cfd8e6;border:0}
.card-feature h3{color:#fff}.card-feature p{color:#b9c6d9}.card-feature .ic{background:rgba(242,193,78,.14);color:var(--gold-2)}.card-feature .link{color:var(--gold-2)}
.tag{display:inline-block;font:700 .7rem/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;padding:6px 10px;border-radius:999px;background:#fff4da;color:var(--gold-ink);margin-bottom:14px;align-self:flex-start}
.card-feature .tag{background:rgba(242,193,78,.16);color:var(--gold-2)}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.checks li{display:flex;gap:14px;align-items:flex-start}
.checks li::before{content:"";flex:none;width:22px;height:22px;margin-top:4px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230b1f3a' stroke-width='3'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/13px no-repeat}
.quote{font-family:var(--serif);font-size:clamp(1.5rem,2.8vw,2.2rem);line-height:1.35;color:var(--navy);border-left:3px solid var(--gold);padding-left:28px;margin:0}
.sec-navy .quote{color:#fff}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.step{position:relative;padding-top:58px}
.step::before{counter-increment:s;content:"0" counter(s);position:absolute;top:0;font:700 2.4rem/1 var(--serif);color:var(--gold)}
.step::after{content:"";position:absolute;top:22px;left:70px;right:-12px;height:1px;background:linear-gradient(90deg,var(--gold),transparent)}
.step:last-child::after{display:none}
.pillar{border-top:2px solid var(--gold);padding-top:22px}
.pillar h3{font-size:1.4rem}
.media-panel{border-radius:var(--r-lg);background:linear-gradient(150deg,var(--navy) 0%,var(--navy-3) 100%);padding:44px;color:#cfd8e6;position:relative;overflow:hidden}
.media-panel::after{content:"";position:absolute;right:-80px;bottom:-80px;width:280px;height:280px;border-radius:50%;border:40px solid rgba(242,193,78,.08)}
.media-panel h3{color:#fff}
.stat-row{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:28px}
.stat-row div{background:rgba(255,255,255,.06);border-radius:14px;padding:18px}
.stat-row b{display:block;font:700 1.8rem/1 var(--serif);color:var(--gold-2);margin-bottom:6px}
.stat-row span{font-size:.84rem;color:#aebbd0}
.cta-band{border-radius:28px;background:radial-gradient(600px 300px at 90% 0%,rgba(242,193,78,.25),transparent 60%),linear-gradient(130deg,var(--navy),var(--navy-3));padding:64px;color:#cfd8e6;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:.3em}
.svc-section{padding:40px 0;border-top:1px solid var(--line);display:grid;grid-template-columns:.9fr 1.6fr;gap:40px}
.svc-section:first-child{border-top:0}
.svc-section h3{font-size:1.5rem}
.toc{position:sticky;top:110px;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;background:#fff}
.toc ol{margin:0;padding-left:20px;display:grid;gap:8px;font-size:.95rem}
.toc a{text-decoration:none;color:var(--ink)}
.toc a:hover{color:var(--gold-ink)}
.layout-side{display:grid;grid-template-columns:1fr 340px;gap:56px;align-items:start}
.note{font-size:.88rem;color:var(--muted);border:1px dashed var(--line);border-radius:12px;padding:14px 16px;background:var(--soft)}

/* forms */
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{margin-bottom:16px}
label{display:block;font-weight:600;font-size:.9rem;margin-bottom:7px;color:var(--navy)}
input,textarea,select{width:100%;padding:13px 15px;border:1px solid #cdd3dd;border-radius:12px;font:inherit;font-size:1rem;background:#fff;color:var(--ink);transition:border-color .15s,box-shadow .15s}
textarea{min-height:140px;resize:vertical}
input:focus,textarea:focus,select:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 4px rgba(217,154,11,.18)}
.hp{position:absolute!important;left:-10000px!important}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--muted);font-weight:400}
.check input{width:auto;margin-top:5px}
.msg{margin-top:14px;font-size:.94rem;min-height:1.4em}
.msg.ok{color:var(--ok)}.msg.err{color:var(--err)}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:36px;box-shadow:var(--shadow-sm)}

/* community / academy / admin */
.tabs{display:flex;gap:6px;flex-wrap:wrap;border-bottom:1px solid var(--line);margin-bottom:32px}
.tabs button{background:none;border:0;padding:14px 18px;font:600 .98rem var(--sans);color:var(--muted);cursor:pointer;border-bottom:3px solid transparent;margin-bottom:-1px}
.tabs button[aria-selected=true]{color:var(--navy);border-bottom-color:var(--gold)}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:28px}
.chip{border:1px solid var(--line);background:#fff;border-radius:999px;padding:8px 14px;font:500 .88rem var(--sans);cursor:pointer;color:var(--ink)}
.chip[aria-pressed=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
.post-card h3{font-size:1.25rem;margin-bottom:.4em}
.post-card h3 a{text-decoration:none;color:var(--navy)}
.meta{font-size:.84rem;color:var(--muted);display:flex;gap:10px;flex-wrap:wrap;align-items:center}
.badge{display:inline-block;font:700 .68rem/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;padding:5px 9px;border-radius:999px;background:var(--soft);color:var(--navy)}
.badge.gold{background:#fff4da;color:var(--gold-ink)}
.badge.ok{background:#e3f6ee;color:var(--ok)}
.badge.warn{background:#fff1e6;color:var(--warn)}
.stars{color:var(--gold);letter-spacing:2px}
.empty{padding:48px;text-align:center;color:var(--muted);border:1px dashed var(--line);border-radius:var(--r-lg)}
.article{font-size:1.08rem}
.article h2{font-size:1.7rem;margin-top:1.6em}
.article h3{margin-top:1.4em}
.article ul,.article ol{padding-left:1.3em}
.article li{margin-bottom:.4em}
.article blockquote{border-left:3px solid var(--gold);margin:1.5em 0;padding:4px 0 4px 20px;color:var(--navy);font-family:var(--serif);font-size:1.2rem}
.qa-item{border:1px solid var(--line);border-radius:var(--r);padding:22px;background:#fff;margin-bottom:14px}
.answer{border-left:3px solid var(--line);padding:10px 0 10px 16px;margin-top:14px}
.answer.official{border-left-color:var(--gold);background:#fffaf0}
.course-card{padding:0;overflow:hidden}
.course-card .thumb{aspect-ratio:16/9;background:linear-gradient(135deg,var(--navy),var(--navy-3));display:grid;place-items:center;color:var(--gold-2);font:700 1.3rem var(--serif);text-align:center;padding:20px;position:relative}
.course-card .thumb img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.course-card .body{padding:24px;display:flex;flex-direction:column;flex:1}
.price{display:flex;align-items:baseline;gap:10px;flex-wrap:wrap}
.price b{font:700 1.5rem var(--serif);color:var(--navy)}
.price s{color:var(--muted)}
.price .off{font-size:.82rem;font-weight:700;color:var(--ok)}
.timer{display:flex;align-items:center;gap:10px;background:#fff6e6;border:1px solid #f6d79a;color:#7a4b00;border-radius:12px;padding:12px 14px;font-weight:600;font-size:.94rem}
.timer b{font-variant-numeric:tabular-nums;font-family:var(--sans)}
.lesson{display:flex;justify-content:space-between;gap:12px;padding:14px 16px;border:1px solid var(--line);border-radius:12px;margin-bottom:8px;background:#fff;align-items:center}
.lesson button{all:unset;cursor:pointer;font-weight:600;color:var(--navy)}
.lesson.locked{opacity:.65}
.player{aspect-ratio:16/9;background:#000;border-radius:var(--r);overflow:hidden;margin-bottom:20px}
.player iframe{width:100%;height:100%;border:0}
table.data{width:100%;border-collapse:collapse;font-size:.92rem;background:#fff}
table.data th,table.data td{text-align:left;padding:12px;border-bottom:1px solid var(--line);vertical-align:top}
table.data th{font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r)}
.admin-grid{display:grid;grid-template-columns:240px 1fr;gap:32px;align-items:start}
.admin-nav{display:grid;gap:4px;position:sticky;top:110px}
.admin-nav button{all:unset;cursor:pointer;padding:12px 14px;border-radius:10px;font-weight:600;color:var(--ink)}
.admin-nav button[aria-current=true]{background:var(--navy);color:#fff}
.mod-item{border:1px solid var(--line);border-radius:var(--r);padding:18px;margin-bottom:12px;background:#fff}
.mod-actions{display:flex;gap:8px;margin-top:12px;flex-wrap:wrap}
.btn-ok{background:var(--ok);color:#fff}.btn-err{background:#fff;color:var(--err);border-color:#f3c5c0}

/* footer */
.site-footer{background:#07152a;color:#9eadc4;padding:84px 0 30px;font-size:.95rem}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr 1.3fr;gap:36px}
.site-footer h4{font:700 .76rem/1 var(--sans);letter-spacing:.16em;text-transform:uppercase;color:#fff;margin:0 0 18px}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.site-footer a{color:#c4cfdf;text-decoration:none}
.site-footer a:hover{color:var(--gold-2)}
.site-footer .brand-text{color:#fff}
.site-footer .brand-text small{color:#8293ad}
.foot-legal{margin-top:56px;padding-top:24px;border-top:1px solid rgba(255,255,255,.08);display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.84rem}
.disclaimer{font-size:.8rem;color:#7f8ea6;margin-top:18px;max-width:900px}
.wa-float{position:fixed;right:22px;bottom:22px;z-index:70;width:58px;height:58px;border-radius:50%;background:#25d366;color:#fff;display:grid;place-items:center;box-shadow:0 10px 28px rgba(0,0,0,.25);transition:transform .2s}
.wa-float:hover{transform:scale(1.06)}
.wa-float svg{width:30px;height:30px}
.cookie{position:fixed;left:20px;bottom:20px;z-index:90;max-width:420px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:20px;font-size:.9rem}
.cookie p{margin-bottom:12px;color:var(--muted)}

.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}html{scroll-behavior:auto}}

@media (max-width:1200px){
  .menu{position:fixed;inset:118px 0 auto 0;max-height:calc(100vh - 118px);overflow:auto;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 24px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);display:none}
  .menu.open{display:flex}
  .menu>li>a,.menu>li>button{padding:14px 10px;font-size:1.05rem;width:100%;justify-content:space-between}
  .mega{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;display:none}
  .has-mega.open .mega{display:block}
  .mega-inner{grid-template-columns:1fr;padding:0 0 10px}
  .mega-feature{display:none}
  .mega-cols{grid-template-columns:1fr}
  .burger{display:grid;place-items:center}
  .nav-cta .btn{display:none}
  .hero-grid,.split,.layout-side,.admin-grid,.svc-section{grid-template-columns:1fr}
  .seal-wrap{width:min(240px,60%)}
  .g4,.steps{grid-template-columns:1fr 1fr}
  .g3{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .toc,.admin-nav{position:static}
  .admin-nav{grid-auto-flow:column;overflow-x:auto}
  .step::after{display:none}
}
@media (max-width:640px){
  body{font-size:16px}
  .container{padding:0 16px}
  section{padding:72px 0}
  .topbar .tb-left{display:none}
  .nav{height:70px}
  .brand img{width:44px;height:44px}
  .brand-text{font-size:1.05rem}
  .brand-text small{display:none}
  .acct-link{padding:8px 6px;font-size:.92rem}
  .nav{gap:8px}
  .topbar .tb-right{gap:12px;font-size:.78rem}
  .menu{inset:108px 0 auto 0}
  .g2,.g3,.g4,.steps,.form .row,.foot-grid,.stat-row,.trustbar .container{grid-template-columns:1fr}
  .trustbar .container{grid-template-columns:1fr 1fr}
  .hero-grid{padding:56px 0 72px}
  .cta-band{padding:40px 24px}
  .card,.form-card{padding:24px}
  .media-panel{padding:28px}
  .cookie{left:12px;right:12px;bottom:12px;max-width:none}
}