@import url('https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600;700;800&display=swap');

/*
=========================================================
WISECHOICE FINANCIALS
Main Website Stylesheet
=========================================================
*/

/* 1. GLOBAL VARIABLES */

:root {
    --navy: #10243B;
    --navy-light: #1B3858;
    --gold: #C6A45A;
    --gold-light: #D9BD7D;
    --white: #FFFFFF;
    --light-grey: #F3F5F8;
    --medium-grey: #E2E6EC;
    --text-grey: #647184;
    --dark-text: #243247;
    --red: #B72D32;
    --font-primary: 'Montserrat', Arial, Helvetica, sans-serif;

    --container-width: 1200px;
    --header-height: 88px;

    --shadow: 0 8px 30px rgba(16, 36, 59, 0.09);
    --transition: all 0.25s ease;
}

/* 2. RESET */

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

html {
    scroll-behavior: smooth;
    scroll-padding-top: 110px;
}

body {
    font-family: var(--font-primary);
    font-size: 16px;
    line-height: 1.7;
    color: var(--dark-text);
    background: var(--white);
    overflow-x: hidden;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    color: inherit;
    text-decoration: none;
    transition: var(--transition);
}

button,
input,
select,
textarea {
    font: inherit;
}

button {
    cursor: pointer;
}

ul,
ol {
    list-style: none;
}

p {
    margin-bottom: 16px;
}

h1,
h2,
h3,
h4,
h5 {
    color: var(--navy);
    line-height: 1.25;
    font-weight: 700;
    margin-bottom: 18px;
}

h1 {
    font-size: clamp(36px, 5vw, 58px);
}

h2 {
    font-size: clamp(28px, 3.5vw, 40px);
}

h3 {
    font-size: 23px;
}

h4 {
    font-size: 19px;
}

/* 3. ACCESSIBILITY */

.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;
}

:focus-visible {
    outline: 3px solid var(--gold);
    outline-offset: 3px;
}

.skip-link {
    position: absolute;
    top: -100px;
    left: 15px;
    z-index: 9999;
    padding: 12px 18px;
    background: var(--navy);
    color: var(--white);
}

.skip-link:focus {
    top: 15px;
}

/* 4. LAYOUT */

.container {
    width: min(100% - 40px, var(--container-width));
    margin-left: auto;
    margin-right: auto;
}

.section {
    padding: 85px 0;
}

.section-light {
    background: var(--light-grey);
}

.section-dark {
    background: var(--navy);
    color: var(--white);
}

.section-dark h1,
.section-dark h2,
.section-dark h3,
.section-dark h4 {
    color: var(--white);
}

.section-heading {
    max-width: 760px;
    margin: 0 auto 45px;
    text-align: center;
}

.section-heading p {
    color: var(--text-grey);
    font-size: 17px;
}

.text-center {
    text-align: center;
}

.text-gold {
    color: var(--gold);
}

.text-navy {
    color: var(--navy);
}

.text-muted {
    color: var(--text-grey);
}

/* 5. TOP BAR */

.site-topbar {
    background: var(--navy);
    color: var(--white);
    font-size: 13px;
}

.topbar-inner {
    min-height: 39px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}

.topbar-contact {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 12px;
}

.topbar-contact a:hover {
    color: var(--gold-light);
}

.topbar-divider {
    opacity: 0.45;
}

.topbar-language select {
    background: transparent;
    border: 0;
    color: var(--white);
    padding: 5px;
    cursor: pointer;
    font-size: 13px;
}

.topbar-language select option {
    color: var(--navy);
    background: var(--white);
}

/* 6. HEADER */

.site-header {
    background: var(--white);
    box-shadow: 0 3px 15px rgba(16, 36, 59, 0.06);
    position: relative;
    z-index: 1000;
}

.header-inner {
    min-height: var(--header-height);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
}

.site-logo {
    flex-shrink: 0;
    display: inline-flex;
    align-items: center;
}

.site-logo img {
    width: 210px;
    max-height: 70px;
    object-fit: contain;
}

/* 7. MAIN NAVIGATION */

.main-navigation {
    display: flex;
    align-items: center;
    gap: 22px;
}

.nav-list {
    display: flex;
    align-items: center;
    gap: 21px;
}

.nav-list > li {
    position: relative;
}

.nav-list > li > a {
    display: flex;
    align-items: center;
    gap: 5px;
    padding: 30px 0;
    color: var(--navy);
    font-size: 13px;
    font-weight: 700;
    white-space: nowrap;
}

.nav-list > li > a:hover,
.nav-list > li:hover > a {
    color: var(--gold);
}

.dropdown-arrow {
    font-size: 17px;
    line-height: 1;
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 245px;
    padding: 12px 0;
    background: var(--white);
    box-shadow: var(--shadow);
    border-top: 3px solid var(--gold);
    border-radius: 0 0 5px 5px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: var(--transition);
    z-index: 1100;
}

.has-dropdown:hover .dropdown-menu,
.has-dropdown:focus-within .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-menu li a {
    display: block;
    padding: 9px 19px;
    color: var(--dark-text);
    font-size: 13px;
}

.dropdown-menu li a:hover {
    background: var(--light-grey);
    color: var(--gold);
    padding-left: 24px;
}

.header-apply-button {
    display: inline-flex;
    justify-content: center;
    align-items: center;
    padding: 12px 19px;
    background: var(--gold);
    color: var(--navy);
    border-radius: 4px;
    font-size: 13px;
    font-weight: 700;
    white-space: nowrap;
}

.header-apply-button:hover {
    background: var(--navy);
    color: var(--white);
}

.mobile-menu-toggle {
    display: none;
    width: 44px;
    height: 42px;
    border: 1px solid var(--medium-grey);
    background: var(--white);
    border-radius: 4px;
    padding: 9px;
}

.mobile-menu-toggle span {
    display: block;
    width: 100%;
    height: 2px;
    margin: 5px 0;
    background: var(--navy);
}

/* 8. BUTTONS */

.btn {
    display: inline-flex;
    justify-content: center;
    align-items: center;
    gap: 8px;
    padding: 14px 25px;
    border: 1px solid transparent;
    border-radius: 4px;
    font-size: 14px;
    font-weight: 700;
    text-align: center;
    transition: var(--transition);
}

.btn-primary {
    background: var(--gold);
    color: var(--navy);
}

.btn-primary:hover {
    background: var(--navy);
    color: var(--white);
}

.btn-secondary {
    background: var(--navy);
    color: var(--white);
}

.btn-secondary:hover {
    background: var(--gold);
    color: var(--navy);
}

.btn-outline {
    background: transparent;
    border-color: var(--gold);
    color: var(--navy);
}

.btn-outline:hover {
    background: var(--gold);
    color: var(--navy);
}

.btn-white {
    background: var(--white);
    color: var(--navy);
}

.btn-white:hover {
    background: var(--gold);
}

.btn-block {
    width: 100%;
}

/* 9. HERO SECTIONS */

.hero {
    position: relative;
    min-height: 590px;
    display: flex;
    align-items: center;
    background: var(--navy);
    color: var(--white);
    overflow: hidden;
}

.hero-background {
    position: absolute;
    inset: 0;
    background-position: center;
    background-size: cover;
    opacity: 0.45;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        90deg,
        rgba(16, 36, 59, 0.96) 0%,
        rgba(16, 36, 59, 0.82) 52%,
        rgba(16, 36, 59, 0.25) 100%
    );
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 760px;
    padding: 90px 0;
}

.hero h1 {
    color: var(--white);
    margin-bottom: 24px;
}

.hero p {
    max-width: 650px;
    color: rgba(255, 255, 255, 0.88);
    font-size: 18px;
    line-height: 1.8;
    margin-bottom: 30px;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
}

.hero-label {
    display: inline-block;
    color: var(--gold-light);
    font-size: 13px;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    margin-bottom: 18px;
}

/* 10. PAGE BANNER */

.page-banner {
    padding: 85px 0;
    background: linear-gradient(120deg, var(--navy), var(--navy-light));
    color: var(--white);
}

.page-banner h1 {
    color: var(--white);
    font-size: clamp(34px, 4vw, 48px);
}

.page-banner p {
    max-width: 750px;
    color: rgba(255, 255, 255, 0.85);
    font-size: 17px;
}

.breadcrumb {
    display: flex;
    flex-wrap: wrap;
    gap: 9px;
    margin-bottom: 20px;
    font-size: 13px;
    color: var(--gold-light);
}

.breadcrumb a:hover {
    color: var(--white);
}

.breadcrumb span {
    color: rgba(255, 255, 255, 0.65);
}

/* 11. CONTENT GRIDS */

.grid {
    display: grid;
    gap: 28px;
}

.grid-2 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.grid-3 {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.grid-4 {
    grid-template-columns: repeat(4, minmax(0, 1fr));
}

.content-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    align-items: center;
    gap: 55px;
}

.content-image img {
    width: 100%;
    border-radius: 7px;
    box-shadow: var(--shadow);
}

.content-copy p {
    color: var(--text-grey);
}

.content-copy ul {
    margin: 20px 0;
}

.content-copy li {
    position: relative;
    padding-left: 27px;
    margin-bottom: 12px;
}

.content-copy li::before {
    content: "✓";
    position: absolute;
    left: 0;
    top: 0;
    color: var(--gold);
    font-weight: 700;
}

/* 12. CARDS */

.card {
    height: 100%;
    padding: 30px;
    background: var(--white);
    border: 1px solid var(--medium-grey);
    border-radius: 6px;
    transition: var(--transition);
}

.card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow);
    border-color: var(--gold);
}

.card-icon {
    width: 58px;
    height: 58px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 22px;
    border-radius: 50%;
    background: rgba(198, 164, 90, 0.14);
    color: var(--navy);
    font-size: 25px;
}

.card h3 {
    font-size: 20px;
}

.card p {
    color: var(--text-grey);
    font-size: 15px;
}

.card-link {
    display: inline-block;
    margin-top: 10px;
    color: var(--navy);
    font-weight: 700;
    font-size: 14px;
}

.card-link:hover {
    color: var(--gold);
}

/* 13. FEATURE LISTS */

.feature-list {
    display: grid;
    gap: 20px;
}

.feature-item {
    display: flex;
    align-items: flex-start;
    gap: 15px;
}

.feature-check {
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--gold);
    color: var(--navy);
    border-radius: 50%;
    font-weight: 700;
}

.feature-item h3 {
    margin-bottom: 7px;
    font-size: 18px;
}

.feature-item p {
    margin-bottom: 0;
    color: var(--text-grey);
}

/* 14. STATISTICS */

.stats-section {
    padding: 55px 0;
    background: var(--navy);
    color: var(--white);
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 25px;
    text-align: center;
}

.stat-item strong {
    display: block;
    color: var(--gold);
    font-size: 34px;
    line-height: 1.2;
    margin-bottom: 8px;
}

.stat-item span {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.85);
}

/* 15. CALLOUT SECTION */

.cta-section {
    padding: 65px 0;
    background: var(--gold);
}

.cta-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 30px;
}

.cta-inner h2 {
    margin-bottom: 10px;
    color: var(--navy);
}

.cta-inner p {
    margin-bottom: 0;
    color: var(--navy);
}

/* 16. FORMS */

.form-container {
    max-width: 850px;
    margin: 0 auto;
    padding: 40px;
    background: var(--white);
    border: 1px solid var(--medium-grey);
    border-radius: 7px;
    box-shadow: var(--shadow);
}

.form-grid {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 22px;
}

.form-group {
    margin-bottom: 20px;
}

.form-group.full-width {
    grid-column: 1 / -1;
}

.form-group label {
    display: block;
    margin-bottom: 8px;
    color: var(--navy);
    font-size: 14px;
    font-weight: 700;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    min-height: 49px;
    padding: 12px 14px;
    background: var(--white);
    color: var(--dark-text);
    border: 1px solid #D5DBE3;
    border-radius: 4px;
    outline: none;
    transition: var(--transition);
}

.form-group textarea {
    min-height: 130px;
    resize: vertical;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 3px rgba(198, 164, 90, 0.13);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: #98A2B1;
}

.form-help {
    display: block;
    margin-top: 6px;
    color: var(--text-grey);
    font-size: 12px;
}

.form-consent {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin: 20px 0;
    font-size: 13px;
    color: var(--text-grey);
}

.form-consent input {
    margin-top: 5px;
}

.form-consent a {
    color: var(--navy);
    text-decoration: underline;
}

.form-message {
    padding: 14px 18px;
    margin-bottom: 22px;
    border-radius: 4px;
    font-size: 14px;
}

.form-message.success {
    background: #E9F6EE;
    color: #176B37;
}

.form-message.error {
    background: #FCEDEE;
    color: #9D252B;
}

/* 17. CALCULATOR */

.calculator-box {
    max-width: 850px;
    margin: 0 auto;
    padding: 35px;
    background: var(--white);
    border: 1px solid var(--medium-grey);
    border-radius: 7px;
    box-shadow: var(--shadow);
}

.calculator-result {
    padding: 25px;
    margin-top: 25px;
    background: var(--navy);
    border-radius: 5px;
    color: var(--white);
}

.calculator-result h3 {
    color: var(--gold);
}

.calculator-result strong {
    display: block;
    font-size: 32px;
    color: var(--white);
}

/* 18. FAQ ACCORDION */

.faq-list {
    max-width: 900px;
    margin: 0 auto;
}

.faq-item {
    margin-bottom: 13px;
    border: 1px solid var(--medium-grey);
    border-radius: 5px;
    background: var(--white);
}

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    padding: 20px;
    background: transparent;
    border: 0;
    text-align: left;
    color: var(--navy);
    font-weight: 700;
}

.faq-question:hover {
    color: var(--gold);
}

.faq-answer {
    padding: 0 20px 20px;
    color: var(--text-grey);
}

.faq-answer p:last-child {
    margin-bottom: 0;
}

/* 19. PROCESS STEPS */

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 25px;
}

.process-step {
    text-align: center;
    padding: 25px 15px;
}

.process-number {
    width: 55px;
    height: 55px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    background: var(--gold);
    color: var(--navy);
    border-radius: 50%;
    font-size: 21px;
    font-weight: 700;
}

.process-step p {
    color: var(--text-grey);
    font-size: 14px;
}

/* 20. NOTICE AND DISCLAIMER */

.notice {
    padding: 22px;
    background: #FFF9E9;
    border-left: 4px solid var(--gold);
    border-radius: 4px;
    color: var(--dark-text);
}

.notice p:last-child {
    margin-bottom: 0;
}

.disclaimer {
    color: var(--text-grey);
    font-size: 13px;
    line-height: 1.7;
}

/* 21. FOOTER */

.site-footer {
    background: #0B1B2D;
    color: rgba(255, 255, 255, 0.78);
}

.footer-main {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr 1.2fr;
    gap: 30px;
    padding-top: 70px;
    padding-bottom: 55px;
}

.footer-logo {
    display: inline-block;
    margin-bottom: 22px;
}

.footer-logo img {
    width: 200px;
    max-height: 65px;
    object-fit: contain;
}

.footer-column h3 {
    margin-bottom: 22px;
    color: var(--white);
    font-size: 16px;
}

.footer-column p,
.footer-column li {
    color: rgba(255, 255, 255, 0.72);
    font-size: 13px;
    line-height: 1.8;
}

.footer-column ul li {
    margin-bottom: 9px;
}

.footer-column a:hover {
    color: var(--gold-light);
}

.footer-legal-name {
    color: var(--gold-light) !important;
    font-weight: 700;
}

.footer-contact-button {
    display: inline-block;
    margin-top: 15px;
    padding: 10px 16px;
    border: 1px solid var(--gold);
    color: var(--gold-light);
    border-radius: 3px;
}

.footer-contact-button:hover {
    background: var(--gold);
    color: var(--navy);
}

.footer-disclaimer {
    padding: 35px 0;
    background: rgba(0, 0, 0, 0.15);
    border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-disclaimer h3 {
    color: var(--gold-light);
    font-size: 15px;
}

.footer-disclaimer p {
    margin-bottom: 12px;
    font-size: 12px;
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.67);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    padding: 22px 0;
}

.footer-bottom-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
}

.footer-bottom p {
    margin: 0;
    font-size: 12px;
}

.footer-legal-links {
    display: flex;
    flex-wrap: wrap;
    gap: 17px;
}

.footer-legal-links a {
    font-size: 12px;
}

.footer-legal-links a:hover {
    color: var(--gold-light);
}

/* 22. ALERTS */

.alert {
    padding: 16px 20px;
    margin-bottom: 20px;
    border-radius: 4px;
    font-size: 14px;
}

.alert-success {
    background: #E9F6EE;
    color: #176B37;
}

.alert-error {
    background: #FCEDEE;
    color: #9D252B;
}

.alert-info {
    background: #EDF4FB;
    color: #214E79;
}

/* 23. RESPONSIVE TABLES */

.table-wrapper {
    width: 100%;
    overflow-x: auto;
    margin: 25px 0;
}

table {
    width: 100%;
    border-collapse: collapse;
    background: var(--white);
}

th,
td {
    padding: 14px 16px;
    border: 1px solid var(--medium-grey);
    text-align: left;
    font-size: 14px;
}

th {
    background: var(--navy);
    color: var(--white);
}

/* 24. RESPONSIVE DESIGN */

@media (max-width: 1150px) {
    .nav-list {
        gap: 13px;
    }

    .nav-list > li > a {
        font-size: 12px;
    }

    .main-navigation {
        gap: 14px;
    }

    .header-apply-button {
        padding: 11px 13px;
    }

    .footer-main {
        grid-template-columns: repeat(3, 1fr);
    }
}

@media (max-width: 980px) {
    .mobile-menu-toggle {
        display: block;
        margin-left: auto;
    }

    .header-inner {
        min-height: 76px;
    }

    .main-navigation {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        padding: 15px 20px 25px;
        background: var(--white);
        box-shadow: var(--shadow);
        align-items: stretch;
        flex-direction: column;
        gap: 12px;
        max-height: calc(100vh - 110px);
        overflow-y: auto;
    }

    .main-navigation.is-open {
        display: flex;
    }

    .nav-list {
        display: block;
    }

    .nav-list > li {
        border-bottom: 1px solid var(--medium-grey);
    }

    .nav-list > li > a {
        padding: 13px 5px;
        justify-content: space-between;
        font-size: 14px;
    }

    .dropdown-menu {
        display: none;
        position: static;
        min-width: 0;
        padding: 0 0 10px 15px;
        box-shadow: none;
        border-top: 0;
        opacity: 1;
        visibility: visible;
        transform: none;
    }

    .has-dropdown:hover .dropdown-menu {
        display: none;
    }

    .has-dropdown.submenu-open .dropdown-menu {
        display: block;
    }

    .dropdown-menu li a {
        padding: 9px 12px;
    }

    .header-apply-button {
        width: 100%;
        padding: 13px;
    }

    .content-grid {
        grid-template-columns: 1fr 1fr;
        gap: 30px;
    }

    .grid-4 {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .process-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}

@media (max-width: 700px) {
    .container {
        width: min(100% - 30px, var(--container-width));
    }

    .section {
        padding: 60px 0;
    }

    .topbar-inner {
        padding-top: 8px;
        padding-bottom: 8px;
        flex-direction: column;
        align-items: flex-start;
        gap: 5px;
    }

    .topbar-contact {
        gap: 7px;
    }

    .topbar-divider {
        display: none;
    }

    .site-logo img {
        width: 175px;
    }

    .hero {
        min-height: 510px;
    }

    .hero-content {
        padding: 70px 0;
    }

    .hero p {
        font-size: 16px;
    }

    .page-banner {
        padding: 65px 0;
    }

    .content-grid {
        grid-template-columns: 1fr;
    }

    .grid-2,
    .grid-3,
    .grid-4 {
        grid-template-columns: 1fr;
    }

    .stats-grid {
        grid-template-columns: 1fr;
        gap: 30px;
    }

    .cta-inner {
        flex-direction: column;
        align-items: flex-start;
    }

    .form-container,
    .calculator-box {
        padding: 24px 18px;
    }

    .form-grid {
        grid-template-columns: 1fr;
        gap: 0;
    }

    .form-group.full-width {
        grid-column: auto;
    }

    .footer-main {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 35px 22px;
        padding-top: 50px;
    }

    .footer-about,
    .footer-contact {
        grid-column: 1 / -1;
    }

    .footer-bottom-inner {
        flex-direction: column;
        align-items: flex-start;
    }

    .footer-legal-links {
        gap: 12px;
    }
}

@media (max-width: 420px) {
    .hero-actions {
        flex-direction: column;
        align-items: stretch;
    }

    .hero-actions .btn {
        width: 100%;
    }

    .process-grid {
        grid-template-columns: 1fr;
    }

    .footer-main {
        grid-template-columns: 1fr;
    }

    .footer-about,
    .footer-contact {
        grid-column: auto;
    }
}

/* 25. REDUCED MOTION */

@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        scroll-behavior: auto !important;
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
}

/* =========================================================
   26. GLOBAL TYPOGRAPHY & JUSTIFIED BODY COPY
   Preserves navigation, buttons, headings and layout.
   ========================================================= */

body, button, input, select, textarea {
    font-family: var(--font-primary);
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-primary);
    letter-spacing: -0.025em;
    text-align: left;
}

/* Justify reading text, not navigation or interactive controls. */
p, .content-copy li, .faq-answer li, .notice li,
.disclaimer, .footer-disclaimer p {
    text-align: justify;
    text-justify: inter-word;
    hyphens: auto;
    overflow-wrap: break-word;
}

/* Preserve explicitly centered design sections. */
.text-center, .text-center p,
.section-heading, .section-heading p,
.process-step, .process-step p,
.stats-grid, .stat-item,
.card-icon, .btn, .hero-actions,
.footer-legal-links, .breadcrumb,
.faq-question, .form-group label,
.form-help, .form-consent,
.site-topbar, .topbar-inner,
.nav-list, .dropdown-menu,
.header-apply-button {
    text-align: inherit;
}

.text-center, .text-center p,
.section-heading, .section-heading p,
.process-step, .process-step p,
.stats-grid, .stat-item {
    text-align: center;
}

.btn, button, nav, nav a, .nav-list a,
.dropdown-menu a, .header-apply-button,
.breadcrumb, .footer-legal-links a,
.form-group label, .form-help,
input, select, textarea, th, td {
    text-align: left;
    hyphens: manual;
}

.btn, .header-apply-button, .faq-question {
    text-align: center;
}

/* Avoid awkward spacing on small screens. */
@media (max-width: 480px) {
    p, .content-copy li, .faq-answer li, .notice li,
    .disclaimer, .footer-disclaimer p {
        hyphens: auto;
        overflow-wrap: anywhere;
    }
}

/* =========================================================
   27. SITE-WIDE EDITORIAL SPACING — 2026
   Spacious corporate-finance presentation; maintains
   existing responsive navigation, grids and form usability.
   ========================================================= */

:root {
    --reading-line-height: 1.85;
    --reading-paragraph-gap: 22px;
    --editorial-section-space: 105px;
    --editorial-column-gap: 65px;
}

body {
    line-height: var(--reading-line-height);
}

/* Reading text: justify longer passages, not short controls. */
main p, article p, .section p, .page-banner p,
.hero p, .card p, .feature-item p, .faq-answer p,
.notice p, .disclaimer p, .footer-column p,
.footer-disclaimer p, .form-consent,
.content-copy li, article li, .faq-answer li {
    line-height: var(--reading-line-height);
    text-align: justify;
    text-justify: inter-word;
    hyphens: auto;
    overflow-wrap: break-word;
}

main p, article p, .section p, .page-banner p,
.hero p, .card p, .faq-answer p, .notice p,
.footer-column p, .footer-disclaimer p {
    margin-bottom: var(--reading-paragraph-gap);
}

/* Retain centered design elements and compact interface copy. */
.section-heading p, .text-center p, .process-step p,
.stats-grid p, .stat-item p, .cta-inner p {
    text-align: center;
}

.topbar-inner p, .breadcrumb, .nav-list, .dropdown-menu,
.btn, .header-apply-button, .footer-legal-links,
.form-group label, .form-help, .form-message,
.faq-question, .calculator-result strong {
    text-align: initial;
    hyphens: manual;
}

.section {
    padding-top: var(--editorial-section-space);
    padding-bottom: var(--editorial-section-space);
}

.section-heading {
    margin-bottom: 55px;
}

.section-heading h2, .section-heading h3 {
    margin-bottom: 25px;
}

h1, h2, h3, h4, h5, h6 {
    margin-bottom: 24px;
}

.content-grid {
    gap: var(--editorial-column-gap);
}

.grid {
    gap: 32px;
}

.card {
    padding: 35px;
}

.card h3, .feature-item h3 {
    margin-bottom: 16px;
}

.card p:last-child, .feature-item p:last-child,
.content-copy p:last-child, .faq-answer p:last-child,
.notice p:last-child, .footer-column p:last-child {
    margin-bottom: 0;
}

.content-copy ul, .content-copy ol {
    margin-top: 25px;
    margin-bottom: 30px;
}

.content-copy li {
    margin-bottom: 16px;
}

.hero-content {
    padding-top: 105px;
    padding-bottom: 105px;
}

.hero h1 {
    margin-bottom: 30px;
}

.hero p {
    margin-bottom: 32px;
}

.page-banner {
    padding-top: 95px;
    padding-bottom: 95px;
}

.page-banner h1 {
    margin-bottom: 26px;
}

.cta-section {
    padding-top: 75px;
    padding-bottom: 75px;
}

.cta-inner p {
    margin-bottom: 0;
}

/* Keep forms legible without introducing excessive gaps. */
.form-container {
    padding: 45px;
}

.form-grid {
    gap: 24px;
}

.form-group {
    margin-bottom: 22px;
}

.form-consent {
    line-height: 1.7;
}

/* Footer retains its column layout and navigation density. */
.footer-main {
    padding-top: 80px;
    padding-bottom: 65px;
}

.footer-column h3 {
    margin-bottom: 24px;
}

.footer-column li {
    line-height: 1.8;
}

.footer-disclaimer {
    padding-top: 40px;
    padding-bottom: 40px;
}

@media (max-width: 980px) {
    :root {
        --editorial-section-space: 75px;
        --editorial-column-gap: 35px;
        --reading-paragraph-gap: 19px;
    }

    .section-heading {
        margin-bottom: 42px;
    }

    .card {
        padding: 28px;
    }
}

@media (max-width: 700px) {
    :root {
        --editorial-section-space: 55px;
        --editorial-column-gap: 28px;
        --reading-paragraph-gap: 18px;
        --reading-line-height: 1.75;
    }

    .hero-content {
        padding-top: 70px;
        padding-bottom: 70px;
    }

    .page-banner {
        padding-top: 65px;
        padding-bottom: 65px;
    }

    .section-heading {
        margin-bottom: 35px;
    }

    .card {
        padding: 25px;
    }

    .form-container {
        padding: 24px 18px;
    }

    .form-grid {
        gap: 0;
    }

    .cta-section {
        padding-top: 55px;
        padding-bottom: 55px;
    }

    .footer-main {
        padding-top: 50px;
        padding-bottom: 45px;
    }

    /* Justification on narrow screens can create large word gaps. */
    main p, article p, .section p, .page-banner p,
    .hero p, .card p, .faq-answer p, .footer-column p {
        hyphens: auto;
        overflow-wrap: anywhere;
    }
}