/* ANZ Holdings – Payment Portal */
:root {
  --navy: #102A43;
  --navy-2: #0B1F33;
  --blue: #1769AA;
  --blue-soft: #E8F1F9;
  --gold: #D9A441;
  --gold-2: #C48E2C;
  --gold-soft: #FBF4E6;
  --ink: #102A43;
  --text: #3E5468;
  --muted: #6B7F92;
  --line: #E3E9EF;
  --bg: #FFFFFF;
  --bg-alt: #F5F7FA;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow-sm: 0 1px 2px rgba(16,42,67,.06), 0 1px 3px rgba(16,42,67,.06);
  --shadow: 0 4px 12px rgba(16,42,67,.06), 0 12px 32px rgba(16,42,67,.08);
  --header-h: 68px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; } }
body {
  margin: 0; background: var(--bg); color: var(--text);
  font-family: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  font-size: 16px; line-height: 1.6; overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3 { color: var(--ink); line-height: 1.2; margin: 0; letter-spacing: -0.015em; }
p { margin: 0; }
a { color: var(--blue); }
img { max-width: 100%; display: block; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; border-radius: 4px; }

.container { width: 100%; max-width: 1160px; margin: 0 auto; padding: 0 16px; }
.container.narrow { max-width: 820px; }
@media (min-width: 768px) { .container { padding: 0 32px; } }

.skip-link { position: absolute; left: -999px; top: 8px; background: var(--gold); color: var(--navy); padding: 8px 14px; border-radius: 8px; z-index: 100; font-weight: 600; }
.skip-link:focus { left: 8px; }

/* Icons */
.i { width: 20px; height: 20px; flex: none; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.i-sm { width: 16px; height: 16px; }
.i-xs { width: 12px; height: 12px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  min-height: 50px; padding: 12px 24px; border-radius: 12px;
  font-family: inherit; font-weight: 600; font-size: 16px; line-height: 1.2; text-decoration: none; cursor: pointer;
  border: 2px solid transparent; transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn-gold { background: var(--gold); color: var(--navy); box-shadow: 0 6px 18px rgba(217,164,65,.35); }
.btn-gold:hover { background: #E2B256; transform: translateY(-1px); }
.btn-ghost { border-color: rgba(255,255,255,.35); color: #fff; }
.btn-ghost:hover { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.6); }
.btn-lg { min-height: 58px; font-size: 17px; }
.btn-block { width: 100%; }

.eyebrow { font-size: 13px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--blue); margin-bottom: 10px; }
.eyebrow-light { color: var(--gold); }

/* ===== Header ===== */
.site-header {
  position: sticky; top: 0; z-index: 50; height: var(--header-h);
  background: rgba(255,255,255,.92); backdrop-filter: saturate(160%) blur(10px); -webkit-backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner { height: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; min-width: 0; }
.brand-mark {
  width: 42px; height: 42px; border-radius: 11px; flex: none; display: grid; place-items: center;
  background: linear-gradient(140deg, var(--navy), var(--blue)); color: var(--gold);
  font-weight: 800; font-size: 13px; letter-spacing: .04em; box-shadow: inset 0 0 0 2px rgba(217,164,65,.45); overflow: hidden;
}
.brand-mark img { width: 100%; height: 100%; object-fit: contain; background: #fff; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name { font-weight: 800; color: var(--navy); font-size: 17px; }
.brand-sub { font-size: 12px; color: var(--muted); font-weight: 500; }

.site-nav ul { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 4px; }
.site-nav a { display: inline-flex; align-items: center; gap: 6px; padding: 10px 14px; border-radius: 10px; color: var(--navy); font-weight: 500; font-size: 15px; text-decoration: none; }
.site-nav a:hover { background: var(--bg-alt); }
.site-nav .nav-cta { background: var(--navy); color: #fff; margin-left: 8px; }
.site-nav .nav-cta:hover { background: var(--blue); }

.nav-toggle { display: none; width: 46px; height: 46px; border: 1px solid var(--line); border-radius: 12px; background: #fff; cursor: pointer; padding: 0; flex-direction: column; align-items: center; justify-content: center; gap: 5px; }
.nav-toggle span { width: 20px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform .2s, opacity .2s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

@media (max-width: 900px) {
  .nav-toggle { display: inline-flex; }
  .site-nav {
    position: fixed; top: var(--header-h); left: 0; right: 0; background: #fff;
    border-bottom: 1px solid var(--line); box-shadow: var(--shadow);
    padding: 8px 16px 16px; display: none;
  }
  .site-nav.open { display: block; }
  .site-nav ul { flex-direction: column; align-items: stretch; gap: 2px; }
  .site-nav a { padding: 14px 12px; font-size: 16px; min-height: 48px; }
  .site-nav .nav-cta { margin: 8px 0 0; justify-content: center; }
}

/* ===== Hero ===== */
.hero {
  position: relative; overflow: hidden; color: #DCE6F0;
  background:
    radial-gradient(900px 400px at 85% -10%, rgba(23,105,170,.55), transparent 60%),
    radial-gradient(600px 300px at -10% 110%, rgba(217,164,65,.14), transparent 60%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
}
.hero::after { content: ""; position: absolute; inset: 0; 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: 44px 44px; mask-image: linear-gradient(180deg, #000, transparent 85%); pointer-events: none; }
.hero-inner { position: relative; z-index: 1; display: grid; gap: 48px; padding-top: 56px; padding-bottom: 64px; align-items: center; }
.hero .eyebrow { color: var(--gold); }
.hero h1 { color: #fff; font-size: clamp(32px, 8vw, 54px); font-weight: 800; letter-spacing: -0.03em; }
.hero h1 span { display: block; color: var(--gold); }
.hero .lead { margin-top: 20px; font-size: 17px; max-width: 560px; color: #C3D2E0; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.hero-trust { margin-top: 26px; display: flex; gap: 10px; align-items: flex-start; font-size: 14px; color: #A9BCCE; max-width: 520px; }
.hero-trust .i { color: var(--gold); margin-top: 1px; }
@media (max-width: 479px) { .hero-actions .btn { width: 100%; } }

.hero-card { display: none; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 20px; backdrop-filter: blur(6px); box-shadow: 0 30px 60px rgba(0,0,0,.25); overflow: hidden; }
.hc-head { display: flex; align-items: center; gap: 6px; padding: 14px 16px; border-bottom: 1px solid rgba(255,255,255,.1); }
.hc-dot { width: 9px; height: 9px; border-radius: 50%; background: rgba(255,255,255,.25); }
.hc-url { margin-left: 10px; flex: 1; display: flex; align-items: center; gap: 6px; font-size: 12px; color: #9FB3C8; background: rgba(0,0,0,.2); border-radius: 8px; padding: 6px 10px; }
.hc-url .i { color: #6FD39B; }
.hc-body { padding: 24px; display: grid; gap: 12px; }
.hc-line { height: 12px; border-radius: 6px; background: rgba(255,255,255,.14); }
.hc-line.w60 { width: 60%; height: 16px; background: rgba(255,255,255,.22); }
.hc-line.w40 { width: 40%; }
.hc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 8px; }
.hc-grid span { border: 1px solid rgba(255,255,255,.14); border-radius: 12px; padding: 18px 8px; text-align: center; font-size: 13px; font-weight: 600; color: #D7E2EC; background: rgba(255,255,255,.04); }
.hc-grid span:first-child { border-color: var(--gold); background: rgba(217,164,65,.12); color: #fff; }
.hc-steps { display: grid; grid-template-columns: repeat(2, 1fr); gap: 8px; margin-top: 6px; }
.hc-steps span { font-size: 12px; color: #A9BCCE; display: flex; align-items: center; gap: 8px; }
.hc-steps b { width: 22px; height: 22px; border-radius: 50%; background: rgba(217,164,65,.2); color: var(--gold); display: grid; place-items: center; font-size: 11px; }

@media (min-width: 960px) {
  .hero-inner { grid-template-columns: 1.15fr .85fr; padding-top: 96px; padding-bottom: 104px; }
  .hero-card { display: block; }
}

/* ===== Purchase button (hero top) ===== */
.visually-hidden { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.shop-btn {
  position: relative; overflow: hidden; isolation: isolate;
  display: inline-flex; align-items: center; gap: 12px;
  min-height: 52px; padding: 6px 8px 6px 6px; margin-bottom: 26px; max-width: 100%;
  border-radius: 999px; text-decoration: none; color: #fff;
  background: linear-gradient(135deg, rgba(255,255,255,.10), rgba(255,255,255,.03));
  border: 1px solid rgba(217,164,65,.55);
  box-shadow: 0 0 0 4px rgba(217,164,65,.08), 0 10px 30px rgba(0,0,0,.25);
  transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease;
}
.shop-btn::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background: linear-gradient(110deg, transparent 30%, rgba(217,164,65,.28) 50%, transparent 70%);
  background-size: 250% 100%; animation: shop-shine 4.5s ease-in-out infinite;
}
@keyframes shop-shine { 0%, 55% { background-position: 150% 0; } 100% { background-position: -100% 0; } }
.shop-icon {
  width: 40px; height: 40px; flex: none; border-radius: 50%; display: grid; place-items: center;
  background: linear-gradient(140deg, #E8BA5E, var(--gold-2)); color: var(--navy);
  box-shadow: 0 4px 12px rgba(217,164,65,.45);
}
.shop-text { font-weight: 700; font-size: 15.5px; letter-spacing: .01em; line-height: 1.25; }
.shop-arrow {
  width: 32px; height: 32px; flex: none; border-radius: 50%; display: grid; place-items: center;
  background: rgba(255,255,255,.10); color: var(--gold); transition: transform .2s ease, background .2s ease;
}
.shop-btn:hover { transform: translateY(-2px); border-color: var(--gold); box-shadow: 0 0 0 5px rgba(217,164,65,.16), 0 14px 34px rgba(0,0,0,.3); }
.shop-btn:hover .shop-arrow { transform: translate(2px, -2px); background: var(--gold); color: var(--navy); }
@media (max-width: 479px) { .shop-btn { display: flex; } .shop-text { flex: 1; font-size: 15px; } }
@media (prefers-reduced-motion: reduce) { .shop-btn::before { animation: none; } }

/* ===== Our merchants ===== */
.merchants-band { position: relative; z-index: 2; margin-top: -32px; }
.merchants-band[hidden] { display: none; }
.om-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); padding: 20px; display: grid; gap: 14px; }
.om-title { font-size: 13px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--blue); }
.om-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }
.om-list li { display: flex; align-items: center; justify-content: center; text-align: center; min-height: 56px; padding: 10px 12px; border: 1px solid var(--line); border-radius: 12px; background: var(--bg-alt); color: var(--navy); font-weight: 700; font-size: 15px; line-height: 1.25; }
@media (min-width: 768px) {
  .om-card { grid-template-columns: auto 1fr; align-items: center; gap: 24px; padding: 22px 28px; }
  .om-list { grid-template-columns: repeat(4, 1fr); }
  .om-list li { font-size: 16px; }
}
.merchants-band + .section { padding-top: 56px; }
@media (min-width: 768px) { .merchants-band + .section { padding-top: 80px; } }

/* ===== Sections ===== */
.section { padding: 64px 0; }
.section-alt { background: var(--bg-alt); }
@media (min-width: 768px) { .section { padding: 96px 0; } }
.section-head { max-width: 680px; margin: 0 auto 40px; text-align: center; }
.section-head h2 { font-size: clamp(26px, 5vw, 38px); font-weight: 800; }
.section-head p:not(.eyebrow) { margin-top: 14px; font-size: 16.5px; }

/* ===== Payment methods ===== */
.pm-groups { display: grid; gap: 20px; }
@media (min-width: 1000px) { .pm-groups { grid-template-columns: repeat(3, 1fr); } }
.pm-group { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; box-shadow: var(--shadow-sm); }
.pm-group h3 { display: flex; align-items: center; gap: 12px; font-size: 17px; font-weight: 700; margin-bottom: 18px; }
.pm-icon { width: 40px; height: 40px; border-radius: 10px; background: var(--blue-soft); color: var(--blue); display: grid; place-items: center; }
.pm-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; }
@media (min-width: 560px) and (max-width: 999px) { .pm-list { grid-template-columns: repeat(3, 1fr); } }
.pm-tile {
  height: 76px; border: 1px solid var(--line); border-radius: 12px; background: #fff;
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 4px;
  padding: 10px; text-align: center; transition: border-color .15s, box-shadow .15s, transform .15s;
}
.pm-tile:hover { border-color: #C9D6E3; box-shadow: var(--shadow); transform: translateY(-2px); }
.pm-tile img { max-height: 34px; max-width: 86%; width: auto; object-fit: contain; }
.pm-label { font-size: 13.5px; font-weight: 600; color: var(--navy); line-height: 1.25; }
.pm-tile.is-placeholder { background: linear-gradient(180deg, #fff, #FAFBFC); border-style: dashed; }
.pm-tag { font-size: 10.5px; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: var(--muted); }
.pm-tag.warn { color: var(--gold-2); }

.note { display: flex; align-items: flex-start; justify-content: center; gap: 10px; margin-top: 28px; font-size: 14px; color: var(--muted); text-align: left; }
.note .i { color: var(--blue); margin-top: 1px; }

/* ===== Pay panel ===== */
.pay-panel { background: #fff; border: 1px solid var(--line); border-radius: 20px; box-shadow: var(--shadow); padding: 22px; position: relative; overflow: hidden; }
.pay-panel::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 4px; background: linear-gradient(90deg, var(--navy), var(--blue), var(--gold)); }
@media (min-width: 640px) { .pay-panel { padding: 36px; } }

.merchant-select { margin-bottom: 22px; }
.merchant-select label { display: block; font-size: 14px; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.select-wrap { position: relative; }
.select-wrap::after { content: ""; position: absolute; right: 18px; top: 50%; width: 8px; height: 8px; border-right: 2px solid var(--navy); border-bottom: 2px solid var(--navy); transform: translateY(-70%) rotate(45deg); pointer-events: none; }
.merchant-select select { width: 100%; min-height: 52px; appearance: none; -webkit-appearance: none; border: 1px solid #CBD6E1; border-radius: 12px; padding: 12px 44px 12px 14px; font-family: inherit; font-weight: 500; font-size: 16px; line-height: 1.3; color: var(--navy); background: #fff; }
.merchant-select select:focus { border-color: var(--blue); outline: 3px solid rgba(23,105,170,.2); }

.pay-details { margin: 0; display: grid; gap: 0; border: 1px solid var(--line); border-radius: 14px; overflow: hidden; }
.pay-details > div { display: grid; gap: 4px; padding: 14px 16px; border-bottom: 1px solid var(--line); }
.pay-details > div:last-child { border-bottom: 0; }
@media (min-width: 640px) { .pay-details > div { grid-template-columns: 220px 1fr; align-items: center; padding: 16px 20px; } }
.pay-details dt { font-size: 13.5px; color: var(--muted); font-weight: 500; }
.pay-details dd { margin: 0; color: var(--navy); font-weight: 600; word-break: break-word; }
.pay-details dd.empty { color: #8A9BAC; font-weight: 400; font-style: italic; }
.amount-row { background: var(--gold-soft); }
.amount-row dd { font-size: 20px; font-weight: 800; }
.amount-row dd.empty { font-size: 15px; }

.pay-action { margin-top: 24px; }
.pay-host { margin-top: 10px; text-align: center; font-size: 13px; color: var(--muted); display: flex; justify-content: center; align-items: center; gap: 6px; }
.pay-host .i { color: #2E9E5B; }
.pay-unavailable { display: flex; gap: 12px; align-items: flex-start; background: var(--bg-alt); border: 1px dashed #C4D0DC; border-radius: 12px; padding: 16px; }
.pay-unavailable[hidden], .pay-host[hidden], #pay-btn[hidden], .merchant-select[hidden], .contact-fallback[hidden] { display: none; }
.pay-unavailable .i { color: var(--muted); margin-top: 2px; }
.pay-unavailable strong { display: block; color: var(--navy); }
.pay-unavailable span { font-size: 14.5px; }
.pay-foot { margin-top: 18px; font-size: 13.5px; color: var(--muted); text-align: center; }

/* ===== Steps ===== */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 16px; counter-reset: s; }
@media (min-width: 640px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .steps { grid-template-columns: repeat(4, 1fr); gap: 20px; } }
.step { position: relative; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow-sm); }
.step-num { position: absolute; top: 20px; right: 22px; font-size: 28px; font-weight: 800; color: #EEF2F6; letter-spacing: -0.02em; }
.step-icon { width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: var(--navy); color: var(--gold); margin-bottom: 18px; }
.step-icon .i { width: 22px; height: 22px; }
.step h3 { font-size: 17px; font-weight: 700; margin-bottom: 8px; }
.step p { font-size: 15px; }

.warning { margin-top: 28px; display: flex; gap: 12px; align-items: flex-start; background: var(--gold-soft); border: 1px solid #F0DDB5; color: #6B4E12; border-radius: 12px; padding: 16px 18px; font-weight: 600; font-size: 15px; }
.warning .i { color: var(--gold-2); margin-top: 1px; }

/* ===== Support ===== */
.support { background: linear-gradient(160deg, var(--navy) 0%, #12385A 100%); color: #C9D6E2; }
.support-grid { display: grid; gap: 32px; align-items: start; }
@media (min-width: 960px) { .support-grid { grid-template-columns: 1.2fr .8fr; gap: 56px; } }
.support h2 { color: #fff; font-size: clamp(26px, 5vw, 38px); font-weight: 800; margin-bottom: 20px; }
.support-lead { font-size: 18px; color: #fff; font-weight: 500; line-height: 1.55; border-left: 4px solid var(--gold); padding-left: 16px; margin-bottom: 18px; }
.support-copy p + p { margin-top: 14px; }
.support-tip { display: flex; gap: 12px; align-items: flex-start; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: 12px; padding: 14px 16px; font-size: 15px; }
.support-tip .i { color: var(--gold); margin-top: 2px; }

.contact-card { background: #fff; border-radius: 20px; padding: 26px; color: var(--text); box-shadow: 0 24px 48px rgba(0,0,0,.2); }
.contact-card h3 { font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: var(--blue); font-weight: 700; }
.contact-merchant { font-size: 20px; font-weight: 800; color: var(--navy); margin: 6px 0 16px; }
.contact-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.contact-list a { display: flex; align-items: center; gap: 12px; min-height: 52px; padding: 10px 14px; border: 1px solid var(--line); border-radius: 12px; text-decoration: none; color: var(--navy); font-weight: 600; word-break: break-word; transition: border-color .15s, background .15s; }
.contact-list a:hover { border-color: var(--blue); background: var(--blue-soft); }
.contact-list .ci { width: 36px; height: 36px; border-radius: 10px; flex: none; display: grid; place-items: center; background: var(--blue-soft); color: var(--blue); }
.contact-list small { display: block; font-size: 12px; color: var(--muted); font-weight: 500; }
.contact-fallback { margin-top: 14px; font-size: 15px; background: var(--gold-soft); border: 1px solid #F0DDB5; border-radius: 12px; padding: 14px; color: #5C4413; }
.contact-fallback strong { font-weight: 600; }

/* ===== Notices ===== */
.notices { display: grid; gap: 16px; }
@media (min-width: 700px) { .notices { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1000px) { .notices { grid-template-columns: repeat(6, 1fr); } .notice { grid-column: span 2; } .notice:nth-child(4), .notice:nth-child(5) { grid-column: span 3; } }
.notice { border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 22px 22px 24px; background: #fff; position: relative; }
.notice::before { content: ""; position: absolute; left: 0; top: 22px; bottom: 22px; width: 3px; border-radius: 3px; background: var(--blue); }
.notice h3 { font-size: 16.5px; font-weight: 700; margin-bottom: 8px; }
.notice p { font-size: 15px; }
.notice-alert { background: #FFF8F6; border-color: #F3D9D2; }
.notice-alert::before { background: #C2462E; }

/* ===== FAQ ===== */
.faq { display: grid; gap: 10px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 14px; overflow: hidden; transition: box-shadow .15s; }
.faq details[open] { box-shadow: var(--shadow); border-color: #D3DEE8; }
.faq summary { list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 18px 20px; min-height: 56px; font-weight: 600; color: var(--navy); font-size: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; flex: none; width: 28px; height: 28px; border-radius: 50%; background: var(--bg-alt) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23102A43' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M12 6v12M6 12h12'/%3E%3C/svg%3E") center/14px no-repeat; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); background-color: var(--gold-soft); }
.faq details p { padding: 0 20px 20px; font-size: 15.5px; }

/* ===== Footer ===== */
.site-footer { background: var(--navy-2); color: #93A8BC; padding-top: 56px; font-size: 15px; }
.footer-grid { display: grid; gap: 32px; padding-bottom: 40px; }
@media (min-width: 768px) { .footer-grid { grid-template-columns: 1.6fr 1fr 1fr; } }
.f-name { font-size: 20px; font-weight: 800; color: #fff; }
.f-sub { color: var(--gold); font-weight: 600; font-size: 14px; }
.f-tag { margin-top: 10px; }
.f-site { display: inline-flex; align-items: center; gap: 6px; margin-top: 14px; color: #fff; font-weight: 600; text-decoration: none; border-bottom: 1px solid rgba(217,164,65,.6); padding-bottom: 2px; }
.f-head { color: #fff; font-weight: 700; font-size: 13px; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 12px; }
.footer-links ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 4px; }
.footer-links a { color: #B5C4D3; text-decoration: none; display: inline-block; padding: 6px 0; }
.footer-links a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.08); padding-top: 22px; padding-bottom: 28px; display: grid; gap: 6px; font-size: 13.5px; }
@media (min-width: 768px) { .footer-bottom { grid-template-columns: auto 1fr; gap: 24px; } .footer-bottom p:last-child { text-align: right; } }