/**
 * Capitap Shared Theme & Component System
 * Centralized Design Tokens, Standardized Buttons (matching nav.html),
 * Typography, Section Spacing, and Component Utilities.
 */

html {
  scroll-behavior: smooth;
}

:root {
  /* ── Brand Colors (Preserving existing color identity) ── */
  --brand-navy: #0d1b4b;
  --brand-navy-hover: #1a2d6b;
  --brand-navy-deep: #0a0f2c;
  --brand-navy-surface: #131a3e;

  --brand-gold: #a87c3a;
  --brand-gold-hover: #936b30;
  --brand-gold-bright: #f5a623;
  --brand-gold-dim: rgba(168, 124, 58, 0.1);
  --brand-gold-border: rgba(168, 124, 58, 0.25);

  --brand-brown: #6b4423;
  --brand-brown-hover: #57371c;

  /* ── Background & Surfaces ── */
  --bg-cream-light: #f8f4ec;
  --bg-cream-warm: #f0e9d8;
  --bg-cream-soft: #f0ead8;
  --bg-white: #ffffff;
  --bg-surface-gray: #f3f4f6;

  /* ── Borders & Dividers ── */
  --border-warm: #e5ddd0;
  --border-subtle: #f0e9d8;
  --border-gray: #e2e8f0;
  --border-gray-light: #e5e7eb;

  /* ── Typography Colors ── */
  --text-dark: #0d1b4b;
  --text-body: #374151;
  --text-muted: #64748b;
  --text-subtle: #8e8e9e;
  --text-white: #ffffff;

  /* ── Typography Fonts ── */
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, sans-serif;
  --font-display: "Poppins", -apple-system, BlinkMacSystemFont, sans-serif;
  --font-serif: "Cormorant Garant", Georgia, serif;
  --font-btn: "Outfit", "Poppins", sans-serif;

  /* ── Radii & Elevation ── */
  --radius-btn: 8px;
  --radius-card: 14px;
  --radius-pill: 999px;

  --shadow-sm: 0 1px 3px rgba(13, 27, 75, 0.05);
  --shadow-btn: 0 2px 8px rgba(13, 27, 75, 0.18);
  --shadow-btn-hover: 0 4px 14px rgba(13, 27, 75, 0.28);
  --shadow-card: 0 4px 20px rgba(13, 27, 75, 0.06);
  --shadow-card-hover: 0 8px 30px rgba(13, 27, 75, 0.12);
}

/* ==========================================================================
   1. BUTTON SYSTEM (Referencing src/web/templates/partials/nav.html)
   ========================================================================== */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-btn);
  font-size: 13.5px;
  font-weight: 600;
  line-height: 1.25;
  border-radius: var(--radius-btn);
  padding: 9px 20px;
  text-decoration: none;
  cursor: pointer;
  white-space: nowrap;
  border: 1.5px solid transparent;
  transition:
    background 0.15s ease,
    border-color 0.15s ease,
    color 0.15s ease,
    box-shadow 0.15s ease,
    transform 0.12s ease;
}

.btn:hover {
  transform: translateY(-1px);
}

.btn:active {
  transform: translateY(0);
}

/* Primary Button (Matches .sn-btn-primary) */
.btn-primary,
.sn-btn-primary {
  background: var(--brand-navy);
  color: #ffffff !important;
  border-color: var(--brand-navy);
  box-shadow: var(--shadow-btn);
}

.btn-primary:hover,
.sn-btn-primary:hover {
  background: var(--brand-navy-hover);
  border-color: var(--brand-navy-hover);
  box-shadow: var(--shadow-btn-hover);
}

/* Ghost / Outline Button (Matches .sn-btn-ghost) */
.btn-ghost,
.sn-btn-ghost {
  background: transparent;
  color: var(--text-dark) !important;
  border-color: var(--border-warm);
}

.btn-ghost:hover,
.sn-btn-ghost:hover {
  border-color: var(--brand-gold);
  color: var(--brand-gold) !important;
  background: rgba(168, 124, 58, 0.06);
}

/* Gold Accent Button */
.btn-gold {
  background: var(--brand-gold);
  color: #ffffff !important;
  border-color: var(--brand-gold);
  box-shadow: 0 2px 8px rgba(168, 124, 58, 0.22);
}

.btn-gold:hover {
  background: var(--brand-gold-hover);
  border-color: var(--brand-gold-hover);
  box-shadow: 0 4px 14px rgba(168, 124, 58, 0.32);
}

/* Brown Accent Button (Matches .sn-btn-brown) */
.btn-brown,
.sn-btn-brown {
  background: var(--brand-brown);
  color: #ffffff !important;
  border-color: var(--brand-brown);
}

.btn-brown:hover,
.sn-btn-brown:hover {
  background: var(--brand-brown-hover);
  border-color: var(--brand-brown-hover);
}

/* Ghost Light (Used on dark navy backgrounds) */
.btn-ghost-light {
  background: transparent;
  color: #ffffff !important;
  border-color: rgba(255, 255, 255, 0.25);
}

.btn-ghost-light:hover {
  border-color: #ffffff;
  background: rgba(255, 255, 255, 0.08);
}

/* Button Sizes */
.btn-sm {
  padding: 6px 14px;
  font-size: 12.5px;
  border-radius: 6px;
}

.btn-lg {
  padding: 12px 26px;
  font-size: 14.5px;
  border-radius: 8px;
}

/* ── Seamless Backwards Compatibility Mappings for Legacy .lt-btn-* ── */
.lt-btn-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--brand-navy) !important;
  color: #ffffff !important;
  font-family: var(--font-btn) !important;
  font-size: 14px !important;
  font-weight: 600 !important;
  padding: 11px 24px !important;
  border-radius: var(--radius-btn) !important;
  border: 1.5px solid var(--brand-navy) !important;
  box-shadow: var(--shadow-btn) !important;
  text-decoration: none !important;
  transition:
    background 0.15s ease,
    box-shadow 0.15s ease,
    transform 0.12s ease !important;
}
.lt-btn-primary:hover {
  background: var(--brand-navy-hover) !important;
  box-shadow: var(--shadow-btn-hover) !important;
  transform: translateY(-1px);
}

.lt-btn-ghost {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: transparent !important;
  color: var(--text-dark) !important;
  font-family: var(--font-btn) !important;
  font-size: 14px !important;
  font-weight: 600 !important;
  padding: 11px 22px !important;
  border-radius: var(--radius-btn) !important;
  border: 1.5px solid var(--border-warm) !important;
  text-decoration: none !important;
  transition:
    border-color 0.15s ease,
    color 0.15s ease,
    background 0.15s ease,
    transform 0.12s ease !important;
}
.lt-btn-ghost:hover {
  border-color: var(--brand-gold) !important;
  color: var(--brand-gold) !important;
  background: rgba(168, 124, 58, 0.05) !important;
  transform: translateY(-1px);
}

.lt-btn-gold {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--brand-gold) !important;
  color: #ffffff !important;
  font-family: var(--font-btn) !important;
  font-size: 14px !important;
  font-weight: 600 !important;
  padding: 11px 24px !important;
  border-radius: var(--radius-btn) !important;
  border: 1.5px solid var(--brand-gold) !important;
  box-shadow: 0 2px 8px rgba(168, 124, 58, 0.22) !important;
  text-decoration: none !important;
  transition:
    background 0.15s ease,
    box-shadow 0.15s ease,
    transform 0.12s ease !important;
}
.lt-btn-gold:hover {
  background: var(--brand-gold-hover) !important;
  box-shadow: 0 4px 14px rgba(168, 124, 58, 0.32) !important;
  transform: translateY(-1px);
}

.lt-btn-explore {
  display: inline-flex;
  align-items: center;
  font-family: var(--font-btn) !important;
  font-size: 13.5px !important;
  font-weight: 600 !important;
  color: var(--text-dark) !important;
  text-decoration: none !important;
  border: 1.5px solid var(--border-warm) !important;
  padding: 9px 20px !important;
  border-radius: var(--radius-btn) !important;
  transition:
    border-color 0.15s ease,
    color 0.15s ease,
    transform 0.12s ease !important;
}
.lt-btn-explore:hover {
  border-color: var(--brand-gold) !important;
  color: var(--brand-gold) !important;
  transform: translateY(-1px);
}

.lt-btn-ghost-white {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.08) !important;
  color: #ffffff !important;
  font-family: var(--font-btn) !important;
  font-size: 14px !important;
  font-weight: 600 !important;
  padding: 11px 24px !important;
  border-radius: var(--radius-btn) !important;
  border: 1px solid rgba(255, 255, 255, 0.22) !important;
  text-decoration: none !important;
  transition:
    background 0.15s ease,
    border-color 0.15s ease,
    transform 0.12s ease !important;
}
.lt-btn-ghost-white:hover {
  background: rgba(255, 255, 255, 0.14) !important;
  border-color: rgba(255, 255, 255, 0.4) !important;
  transform: translateY(-1px);
}

/* ── Profile Glass Buttons (Company & Lender views) ── */
.btn-glass {
  padding: 9px 18px;
  border-radius: var(--radius-btn) !important;
  border: 1.5px solid var(--border-gray) !important;
  background: #ffffff !important;
  color: var(--text-dark) !important;
  font-weight: 600 !important;
  text-decoration: none !important;
  font-size: 13.5px !important;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all 0.15s ease;
  cursor: pointer;
  font-family: var(--font-btn) !important;
}
.btn-glass:hover {
  border-color: var(--brand-gold) !important;
  color: var(--brand-gold) !important;
  background: var(--bg-cream-light) !important;
  transform: translateY(-1px);
}
.btn-glass.primary {
  background: var(--brand-navy) !important;
  border-color: var(--brand-navy) !important;
  color: #ffffff !important;
  box-shadow: var(--shadow-btn) !important;
}
.btn-glass.primary:hover {
  background: var(--brand-navy-hover) !important;
  border-color: var(--brand-navy-hover) !important;
  box-shadow: var(--shadow-btn-hover) !important;
}

/* ==========================================================================
   2. TYPOGRAPHY SYSTEM
   ========================================================================== */

.serif {
  font-family: var(--font-serif);
}

.serif-h1 {
  font-family: var(--font-serif);
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.14;
  letter-spacing: -0.5px;
  margin-bottom: 16px;
}
.serif-h1 em {
  color: var(--brand-gold, #a87c3a);
  font-style: italic;
}

.serif-h2 {
  font-family: var(--font-serif);
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.2;
  letter-spacing: -0.4px;
  margin-bottom: 12px;
}

.lead-subtitle {
  font-size: 15.5px;
  color: var(--text-muted);
  line-height: 1.68;
  max-width: 620px;
  margin-bottom: 24px;
}

/* Hero Badge Pill */
.hero-badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--brand-gold-dim);
  border: 1px solid var(--brand-gold-border);
  border-radius: var(--radius-pill);
  padding: 5px 15px;
  font-size: 12.5px;
  font-weight: 700;
  color: var(--brand-gold);
  letter-spacing: 0.8px;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.hero-badge-pill .pill-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--brand-navy);
  display: inline-block;
}

.hero-badge-pill .pill-line {
  width: 20px;
  height: 1px;
  background: var(--brand-gold);
  display: inline-block;
}

/* ==========================================================================
   3. SECTIONS, CONTAINERS & TIGHTENED WHITESPACE
   ========================================================================== */

.section-hero {
  background: linear-gradient(
    160deg,
    var(--bg-cream-light) 0%,
    var(--bg-cream-warm) 100%
  );
  padding: 72px 5% 56px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

/* Home Hero Polish */
.lt-hero {
  padding: 64px 5% 56px !important;
  min-height: auto !important;
}
.lt-hero-inner {
  display: flex !important;
  flex-direction: column !important;
  gap: 0 !important;
  max-width: 1240px !important;
  margin: 0 auto !important;
}
.lt-hero-badge {
  margin-bottom: 18px !important;
}
.lt-hero-h1 {
  margin-bottom: 16px !important;
}
.lt-hero-subtitle {
  margin-bottom: 24px !important;
}
.lt-hero-ctas {
  margin-bottom: 0 !important;
}

/* ── Modern Hero Bento Metrics Dock ── */
.hero-bento-dock {
  display: grid !important;
  grid-template-columns: repeat(4, minmax(0, 1fr)) !important;
  gap: 20px !important;
  margin-top: 28px !important;
  width: 100% !important;
}

.bento-stat-card {
  position: relative !important;
  background: rgba(255, 255, 255, 0.92) !important;
  backdrop-filter: blur(14px) !important;
  -webkit-backdrop-filter: blur(14px) !important;
  border: 1px solid rgba(168, 124, 58, 0.22) !important;
  border-radius: 18px !important;
  padding: 24px 22px 22px !important;
  box-shadow:
    0 16px 36px -10px rgba(13, 27, 75, 0.08),
    0 2px 6px rgba(13, 27, 75, 0.03) !important;
  display: flex !important;
  flex-direction: column !important;
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1) !important;
  overflow: hidden !important;
}

.bento-stat-card::before {
  content: "" !important;
  position: absolute !important;
  top: 0 !important;
  left: 0 !important;
  right: 0 !important;
  height: 3px !important;
  background: linear-gradient(90deg, #a87c3a 0%, #0d1b4b 100%) !important;
  opacity: 0 !important;
  transition: opacity 0.25s ease !important;
}

.bento-stat-card:hover {
  transform: translateY(-4px) !important;
  box-shadow:
    0 24px 50px -10px rgba(13, 27, 75, 0.14),
    0 4px 14px rgba(168, 124, 58, 0.12) !important;
  border-color: rgba(168, 124, 58, 0.5) !important;
  background: #ffffff !important;
}

.bento-stat-card:hover::before {
  opacity: 1 !important;
}

.bento-card-top {
  display: flex !important;
  align-items: center !important;
  justify-content: space-between !important;
  margin-bottom: 14px !important;
}

.bento-icon-badge {
  width: 36px !important;
  height: 36px !important;
  border-radius: 10px !important;
  background: rgba(13, 27, 75, 0.05) !important;
  border: 1px solid rgba(168, 124, 58, 0.2) !important;
  color: #a87c3a !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  font-size: 15px !important;
  flex-shrink: 0 !important;
}

.bento-icon-badge.live-badge {
  position: relative !important;
  background: rgba(34, 197, 94, 0.08) !important;
  border-color: rgba(34, 197, 94, 0.3) !important;
  color: #16a34a !important;
}

.live-pulse-dot {
  position: absolute !important;
  top: -2px !important;
  right: -2px !important;
  width: 8px !important;
  height: 8px !important;
  border-radius: 50% !important;
  background: #22c55e !important;
  box-shadow: 0 0 8px #22c55e !important;
  animation: bentoPulse 2s infinite !important;
}

@keyframes bentoPulse {
  0% {
    transform: scale(0.95);
    box-shadow: 0 0 0 0 rgba(34, 197, 94, 0.7);
  }
  70% {
    transform: scale(1);
    box-shadow: 0 0 0 6px rgba(34, 197, 94, 0);
  }
  100% {
    transform: scale(0.95);
    box-shadow: 0 0 0 0 rgba(34, 197, 94, 0);
  }
}

.bento-tag {
  font-family: var(--font-btn, "Outfit", sans-serif) !important;
  font-size: 10px !important;
  font-weight: 700 !important;
  letter-spacing: 1.2px !important;
  text-transform: uppercase !important;
  color: #5a6478 !important;
  background: rgba(13, 27, 75, 0.04) !important;
  padding: 3px 8px !important;
  border-radius: 6px !important;
}

.bento-tag.bento-tag-live {
  color: #15803d !important;
  background: rgba(34, 197, 94, 0.1) !important;
  font-weight: 700 !important;
}

.bento-metric-val {
  font-family: "Cormorant Garant", Georgia, serif !important;
  font-size: clamp(2rem, 2.5vw, 2.6rem) !important;
  font-weight: 800 !important;
  color: #0d1b4b !important;
  line-height: 1.1 !important;
  letter-spacing: -0.8px !important;
  margin-bottom: 6px !important;
  white-space: nowrap !important;
}

.bento-metric-label {
  font-family: var(--font-btn, "Outfit", sans-serif) !important;
  font-size: 13px !important;
  font-weight: 700 !important;
  color: #0d1b4b !important;
  line-height: 1.35 !important;
  margin-bottom: 4px !important;
}

.bento-metric-sub {
  font-size: 12px !important;
  color: #64748b !important;
  line-height: 1.4 !important;
}

@media (max-width: 1024px) {
  .hero-bento-dock {
    grid-template-columns: repeat(2, minmax(0, 1fr)) !important;
    gap: 16px !important;
  }
}

@media (max-width: 580px) {
  .hero-bento-dock {
    grid-template-columns: 1fr !important;
    gap: 12px !important;
    margin-top: 32px !important;
  }
}

@media (max-width: 480px) {
  .lt-hero-stat {
    padding: 0 12px !important;
  }
  .lt-hero-stat-num {
    font-size: 1.7rem !important;
  }
}

.section-hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(168, 124, 58, 0.045) 1px, transparent 1px),
    linear-gradient(90deg, rgba(168, 124, 58, 0.045) 1px, transparent 1px);
  background-size: 72px 72px;
  pointer-events: none;
}

.section-pad {
  padding: 60px 5%;
}

.section-pad-sm {
  padding: 40px 5%;
}

.section-cream {
  background: var(--bg-cream-soft);
}

.section-white {
  background: var(--bg-white);
}

.section-navy {
  background: var(--brand-navy);
  color: #ffffff;
}

.container-wide {
  max-width: 1240px;
  margin: 0 auto;
}

.container-md {
  max-width: 1080px;
  margin: 0 auto;
}

.container-narrow {
  max-width: 760px;
  margin: 0 auto;
}

/* ==========================================================================
   4. COMMON CARD & UI COMPONENTS
   ========================================================================== */

.card-surface {
  background: var(--bg-white);
  border: 1px solid var(--border-warm);
  border-radius: var(--radius-card);
  padding: 32px;
  box-shadow: var(--shadow-sm);
  transition:
    transform 0.2s ease,
    box-shadow 0.2s ease;
}

.card-surface:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-card-hover);
}

.data-box {
  background: var(--bg-cream-light);
  border: 1px solid var(--border-warm);
  border-radius: 10px;
  padding: 16px;
}

.tag-pill {
  display: inline-block;
  background: #eef2ff;
  border: 1px solid #c7d2fe;
  color: var(--brand-navy);
  font-size: 11.5px;
  font-weight: 600;
  padding: 3px 10px;
  border-radius: var(--radius-pill);
}

/* Document & Legal wrap */
.doc-wrap {
  max-width: 840px;
  margin: 0 auto;
  padding: 48px 5% 80px;
}

.doc-card {
  background: var(--bg-white);
  border: 1px solid var(--border-warm);
  border-radius: 16px;
  padding: 48px 56px;
  box-shadow: var(--shadow-sm);
}

/* ==========================================================================
   4. HOW IT WORKS — TWO-COLUMN TIMELINE (NO CARDS)
   ========================================================================== */

.hiw-timeline-section {
  padding: 88px 5% 96px !important;
  background: var(--bg-cream-light, #f8f4ec) !important;
  position: relative;
}

.hiw-split-layout {
  display: grid !important;
  grid-template-columns: 1fr 1.35fr !important;
  gap: 64px !important;
  align-items: start !important;
  max-width: 1240px !important;
  margin: 0 auto !important;
}

/* Left Column: Header, Data & Tabs */
.hiw-sticky-col {
  position: relative;
}

.hiw-main-title {
  margin-bottom: 14px !important;
  line-height: 1.12 !important;
}

.hiw-main-sub {
  font-size: 15px !important;
  color: #5a6478 !important;
  line-height: 1.7 !important;
  margin-bottom: 28px !important;
  max-width: 440px !important;
}

/* Modern Tab Switcher */
.hiw-tab-group {
  display: inline-flex !important;
  background: #efe9dc !important;
  padding: 4px !important;
  border-radius: 12px !important;
  gap: 4px !important;
  margin-bottom: 34px !important;
  border: 1px solid rgba(168, 124, 58, 0.2) !important;
}

.hiw-tab-group .lt-hiw-tab {
  display: inline-flex !important;
  align-items: center !important;
  gap: 8px !important;
  padding: 10px 22px !important;
  border: none !important;
  background: transparent !important;
  border-radius: 9px !important;
  font-family: var(--font-btn, "Outfit", sans-serif) !important;
  font-size: 13.5px !important;
  font-weight: 600 !important;
  color: #5a6478 !important;
  cursor: pointer !important;
  transition: all 0.2s ease !important;
}

.hiw-tab-group .lt-hiw-tab i {
  font-size: 13px !important;
}

.hiw-tab-group .lt-hiw-tab:hover {
  color: #0d1b4b !important;
}

.hiw-tab-group .lt-hiw-tab.lt-active {
  background: #0d1b4b !important;
  color: #ffffff !important;
  box-shadow: 0 4px 12px rgba(13, 27, 75, 0.18) !important;
}

.hiw-context-perks {
  display: flex;
  flex-direction: column;
  gap: 18px;
  max-width: 420px;
  padding-top: 24px;
  border-top: 1px solid rgba(168, 124, 58, 0.2);
}

.hiw-perk {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.hiw-perk-ico {
  width: 34px;
  height: 34px;
  border-radius: 9px;
  background: rgba(168, 124, 58, 0.1);
  color: #a87c3a;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  flex-shrink: 0;
  margin-top: 2px;
}

.hiw-perk-title {
  font-size: 13.5px;
  font-weight: 700;
  color: #0d1b4b;
  margin-bottom: 3px;
}

.hiw-perk-desc {
  font-size: 12.5px;
  color: #5a6478;
  line-height: 1.55;
}

/* Right Column: Central Dotted Line Timeline */
.hiw-timeline-col {
  width: 100%;
}

.hiw-timeline-col .lt-hiw-panel {
  display: none !important;
}

.hiw-timeline-col .lt-hiw-panel.lt-active {
  display: block !important;
  animation: hiwFadeIn 0.35s ease forwards;
}

@keyframes hiwFadeIn {
  from {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.tl-track {
  position: relative;
  padding: 10px 0;
}

/* The Central Dotted Line */
.tl-track::before {
  content: "";
  position: absolute;
  top: 24px;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%);
  width: 0;
  border-left: 2px dashed rgba(168, 124, 58, 0.45);
  z-index: 1;
}

/* Timeline Rows */
.tl-row {
  display: flex;
  align-items: center;
  margin-bottom: 48px;
  position: relative;
  z-index: 2;
}
.tl-row:last-child {
  margin-bottom: 0;
}

/* Center Connected Node */
.tl-node {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: #ffffff;
  border: 2.5px solid #0d1b4b;
  color: #0d1b4b;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: "Poppins", sans-serif;
  font-size: 13px;
  font-weight: 700;
  box-shadow: 0 4px 14px rgba(13, 27, 75, 0.12);
  flex-shrink: 0;
  margin: 0 20px;
  z-index: 3;
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

.tl-row:hover .tl-node {
  transform: scale(1.12);
  background: #0d1b4b;
  color: #ffffff;
  border-color: #a87c3a !important;
  box-shadow:
    0 0 0 4px rgba(168, 124, 58, 0.25),
    0 6px 18px rgba(13, 27, 75, 0.2);
}

/* Spacer ensures the node stays at 50% */
.tl-spacer {
  flex: 1;
}

/* Text Body on Left or Right */
.tl-body {
  flex: 1;
  transition: transform 0.2s ease;
}

.tl-left-row .tl-body {
  text-align: right;
  padding-right: 4px;
}

.tl-right-row .tl-body {
  text-align: left;
  padding-left: 4px;
}

.tl-pill {
  font-family: var(--font-btn, "Outfit", sans-serif);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  margin-bottom: 6px;
}

.tl-heading {
  font-family: "Poppins", sans-serif;
  font-size: 18px;
  font-weight: 700;
  color: #0d1b4b;
  margin-bottom: 6px;
  line-height: 1.3;
  transition: color 0.2s ease;
}

.tl-row:hover .tl-heading {
  color: #a87c3a;
}

.tl-text {
  font-size: 13.5px;
  color: #5a6478;
  line-height: 1.65;
  margin: 0;
}

/* ── Responsive Behavior for How It Works Timeline ── */
@media (max-width: 960px) {
  .hiw-split-layout {
    grid-template-columns: 1fr !important;
    gap: 40px !important;
  }
  .hiw-sticky-col {
    position: static !important;
  }
  .hiw-main-sub {
    max-width: 100% !important;
  }

  /* Unified linear left-aligned timeline for tablet and mobile */
  .tl-track {
    position: relative !important;
    padding-left: 0 !important;
  }
  .tl-track::before {
    left: 20px !important;
    top: 20px !important;
    bottom: 20px !important;
    transform: none !important;
  }
  .tl-row {
    display: flex !important;
    flex-direction: row !important;
    align-items: flex-start !important;
    margin-bottom: 32px !important;
  }
  .tl-spacer {
    display: none !important;
  }
  .tl-node {
    order: 1 !important;
    width: 40px !important;
    height: 40px !important;
    min-width: 40px !important;
    margin: 0 18px 0 0 !important;
    font-size: 13px !important;
    flex-shrink: 0 !important;
    z-index: 3 !important;
  }
  .tl-body {
    order: 2 !important;
    flex: 1 !important;
    text-align: left !important;
    padding: 0 !important;
  }
  .tl-left-row .tl-body,
  .tl-right-row .tl-body {
    text-align: left !important;
    padding: 0 !important;
  }
  .tl-heading {
    font-size: 17px !important;
    margin-bottom: 4px !important;
  }
  .tl-text {
    font-size: 13.5px !important;
    line-height: 1.6 !important;
  }
}

@media (max-width: 540px) {
  .tl-track::before {
    left: 17px !important;
    top: 17px !important;
    bottom: 17px !important;
  }
  .tl-node {
    width: 34px !important;
    height: 34px !important;
    min-width: 34px !important;
    font-size: 12px !important;
    margin: 0 14px 0 0 !important;
  }
  .tl-heading {
    font-size: 16px !important;
  }
  .tl-text {
    font-size: 13px !important;
  }
}

@media (max-width: 640px) {
  .doc-card {
    padding: 28px 20px;
  }
  .section-hero {
    padding: 48px 5% 36px;
  }
  .section-pad {
    padding: 40px 5%;
  }
}

/* ==========================================================================
   5. MODERN FAQ CALLOUT BANNER
   ========================================================================== */

.lt-faq-banner-section {
  background: #ffffff !important;
  padding: 80px 5% !important;
  position: relative !important;
  overflow: hidden !important;
}

.lt-faq-banner-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image: radial-gradient(
    rgba(168, 124, 58, 0.06) 1px,
    transparent 1px
  );
  background-size: 32px 32px;
  pointer-events: none;
}

.faq-preview-card {
  max-width: 880px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
  background: linear-gradient(180deg, #fdfcf9 0%, #ffffff 100%);
  border: 1px solid rgba(168, 124, 58, 0.22);
  border-radius: 24px;
  padding: 56px 48px;
  text-align: center;
  box-shadow:
    0 20px 48px -12px rgba(13, 27, 75, 0.08),
    0 2px 8px rgba(13, 27, 75, 0.02);
  transition:
    transform 0.25s ease,
    box-shadow 0.25s ease;
  overflow: hidden;
}

.faq-preview-card:hover {
  transform: translateY(-3px);
  box-shadow:
    0 28px 60px -12px rgba(13, 27, 75, 0.12),
    0 4px 16px rgba(168, 124, 58, 0.08);
  border-color: rgba(168, 124, 58, 0.38);
}

.faq-preview-card::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(
    90deg,
    transparent,
    #a87c3a,
    #0d1b4b,
    transparent
  );
}

.faq-badge {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(168, 124, 58, 0.1);
  color: #a87c3a;
  font-family: var(--font-btn, "Outfit", sans-serif);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 1.4px;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 999px;
  margin-bottom: 20px;
}

.faq-badge i {
  font-size: 12px;
}

.faq-title {
  font-size: clamp(2rem, 3.4vw, 2.7rem) !important;
  font-weight: 800 !important;
  color: #0d1b4b !important;
  line-height: 1.2 !important;
  letter-spacing: -0.5px !important;
  margin-bottom: 14px !important;
  max-width: 680px !important;
  margin-left: auto !important;
  margin-right: auto !important;
}

.faq-sub {
  font-size: 15px !important;
  color: #5a6478 !important;
  line-height: 1.65 !important;
  max-width: 580px !important;
  margin: 0 auto 32px !important;
}

.faq-cta-btn {
  display: inline-flex !important;
  align-items: center !important;
  gap: 10px !important;
  background: #0d1b4b !important;
  color: #ffffff !important;
  font-family: var(--font-btn, "Outfit", sans-serif) !important;
  font-size: 14.5px !important;
  font-weight: 600 !important;
  padding: 14px 34px !important;
  border-radius: 12px !important;
  text-decoration: none !important;
  box-shadow: 0 4px 16px rgba(13, 27, 75, 0.22) !important;
  transition: all 0.2s ease !important;
}

.faq-cta-btn:hover {
  background: #152660 !important;
  transform: translateY(-1px) !important;
  box-shadow: 0 6px 22px rgba(13, 27, 75, 0.3) !important;
}

.faq-cta-btn i {
  font-size: 13px !important;
  transition: transform 0.2s ease !important;
}

.faq-cta-btn:hover i {
  transform: translateX(4px) !important;
}

@media (max-width: 640px) {
  .lt-faq-banner-section {
    padding: 60px 5% !important;
  }
  .faq-preview-card {
    padding: 38px 24px !important;
    border-radius: 18px !important;
  }
}

/* ==========================================================================
   6. COMPACT & BALANCED FINAL CTA SECTION
   ========================================================================== */

.lt-cta-section {
  background: var(--brand-navy, #0d1b4b) !important;
  padding: 68px 5% 76px !important;
  text-align: center !important;
  position: relative !important;
  overflow: hidden !important;
}

.lt-cta-glow {
  position: absolute !important;
  top: -80px !important;
  left: 50% !important;
  transform: translateX(-50%) !important;
  width: 900px !important;
  height: 480px !important;
  background: radial-gradient(
    ellipse,
    rgba(168, 124, 58, 0.12) 0%,
    rgba(13, 27, 75, 0) 70%
  ) !important;
  pointer-events: none !important;
}

.lt-cta-inner {
  position: relative !important;
  z-index: 1 !important;
  max-width: 860px !important;
  margin: 0 auto !important;
}

.lt-cta-rule {
  width: 36px !important;
  height: 2.5px !important;
  background: var(--brand-gold, #a87c3a) !important;
  margin: 0 auto 18px !important;
  border-radius: 2px !important;
}

.lt-cta-h2 {
  font-size: clamp(2.1rem, 4vw, 3.2rem) !important;
  font-weight: 700 !important;
  color: #ffffff !important;
  line-height: 1.15 !important;
  margin-bottom: 14px !important;
  letter-spacing: -0.5px !important;
}

.lt-cta-sub {
  font-size: 15px !important;
  color: rgba(255, 255, 255, 0.72) !important;
  line-height: 1.65 !important;
  margin-bottom: 30px !important;
  max-width: 620px !important;
  margin-left: auto !important;
  margin-right: auto !important;
}

.lt-cta-btns {
  display: flex !important;
  gap: 12px !important;
  justify-content: center !important;
  align-items: center !important;
  flex-wrap: wrap !important;
  max-width: 840px !important;
  margin: 0 auto !important;
}

.lt-cta-btns .lt-btn-gold {
  padding: 12px 24px !important;
  font-size: 14px !important;
  border-radius: 10px !important;
  box-shadow: 0 4px 14px rgba(168, 124, 58, 0.35) !important;
}

.lt-cta-btns .lt-btn-ghost-white {
  padding: 12px 22px !important;
  font-size: 14px !important;
  border-radius: 10px !important;
  background: rgba(255, 255, 255, 0.07) !important;
  border: 1px solid rgba(255, 255, 255, 0.18) !important;
  backdrop-filter: blur(8px) !important;
  -webkit-backdrop-filter: blur(8px) !important;
}

.lt-cta-btns .lt-btn-ghost-white:hover {
  background: rgba(255, 255, 255, 0.15) !important;
  border-color: rgba(255, 255, 255, 0.4) !important;
  color: #ffffff !important;
}

@media (max-width: 640px) {
  .lt-cta-section {
    padding: 52px 5% 60px !important;
  }
}